Tune in as we explore the complexities of car valuations with insights from Burke Payne. Whether you’ve experienced a recent accident or are simply seeking to protect your vehicle investment, this episode clarifies the often-misunderstood process of negotiating with insurance companies. Learn how documenting your car’s condition can play a pivotal role in claims and discover strategies to ensure you’re not leaving money on the table. Perfect for any vehicle owner wanting to navigate insurance with confidence.
SPEAKER 01 :
Walter? Upstairs! Are you alright?
SPEAKER 04 :
In the floor behind the chair.
SPEAKER 07 :
This is America.
SPEAKER 01 :
Does everybody know what time it is? Fix It Radio!
SPEAKER 12 :
All right, good morning. Fix-It Radio, KLZ 560. Thanks for joining us as always. Charlie Grimes, of course, our engineer. Larry Unger answering phones today. Steve Horvath from Geno’s Auto Service with me today as well. Good morning, Steve. Good morning. Always a joy to have you and all of you listening. We appreciate it very much. We will not be here next weekend for the 4th of July weekend, of course, Independence Day weekend. If you’ve got questions, calls, things like that, by all means, let us know today through Fix-It Radio and then Drive Radio following up. Burke Payne joining us now, though, from BP Appraisals. Burke, where are you today? You’re at a nice event, are you not?
SPEAKER 04 :
We are. We’re down here in Pueblo at the State Fair at the Rocky Mountain Street Riders Association show. Right now, they’ve got about 1,600 cars in the gate. They’re expecting over 2,000 by noon.
SPEAKER 12 :
Wow, that is awesome. That’s awesome. Good for you. And for those listening, okay, so here’s a question, Burke. Is that all day today? Are they doing that again tomorrow? What’s the scoop there?
SPEAKER 04 :
All day today and then until 1 o’clock tomorrow. So plenty of time to get down here. It’s a beautiful day.
SPEAKER 12 :
Perfect. And people can stop by and see you directly. I know you’ve got a little booth down there. Talk about some of this damage and stuff, though, we’ve had of late, Burke. One of the reasons why I talked about you last week, but I wanted to have you on in person and talk about some of those things. Because if people went through some of the larger hailstorms we’ve had here yesterday, in the last couple of weeks and maybe they’re talking to their insurance company or they’ve waited or whatever the case may be reality is even if that’s a comp claim there’s still some diminished value on the vehicle right 100 you’re definitely going to have diminished value on the hail damage vehicle if they fix it if they total it we also have an issue there okay so what can you do in regards to helping folks if they find themselves in that predicament
SPEAKER 04 :
So how we can start is the best way we can help is we can do what we call a diminished value appraisal. And that’s where we take what a car, what your like-kindness quality car would sell if it didn’t have any damage opposed to what it sells for if it has damage or if it’s been in an accident or had a claim.
SPEAKER 12 :
Perfect.
SPEAKER 04 :
Yeah, same thing goes with a total loss. More than likely, the insurance company’s gonna offer you well under what it’s worth. We’ve done several recently that we’ve got over $5,000 extra for our clients. We’re working one right now on a 2014 Toyota that the insurance company offered just over $18,000 for. And we brought it in at nearly 25, and I’m still in negotiation with the independent appraiser. from the insurance company, but I think we’ll get her in right around 24, 25 in that area.
SPEAKER 12 :
Okay. So along those lines, Burke, tell me, you know, walk us through that process, how that works. I think there’s a lot of folks out there that are thinking, gosh, you know, I don’t want to upset the apple cart. I don’t want my insurance policy canceled. We can talk about that because that’s a separate issue. But, you know, I want to be, you know, quote unquote fair with the insurance company. And what they’re forgetting is they still need to be whole at the end of the day. And that’s what they’ve bought insurance for.
SPEAKER 04 :
Absolutely. You know, that’s that’s exactly it. That’s why we buy insurance. So that if something happens, God forbid, we are we can be made whole. And and I’ll be honest with you, the insurance companies, they say they’re they say they’re there to make the whole. But unless you’re unless you get someone to advocate for you or you’re an advocate for yourself, you’re not going to you’re not going to be made whole.
SPEAKER 12 :
Right, and that, I think, is the other thing I wanted you to clarify. This isn’t something whereby they’re having to get on the phone and talk to an adjuster and go through all of that process. This is something that you’re taking over for them, right?
SPEAKER 04 :
100%, and that’s the beauty of it. You call me, I start the process, you’re done with the insurance company other than cashing your check when it’s time to come.
SPEAKER 12 :
Okay.
SPEAKER 04 :
You know, we take care of the negotiation. We take care of everything that if they need documentation, I may contact you and say, hey, I need documentation on your upgrades that you’ve done in the last six months. You know, whether it’s just at the front end rebuilt or, you know, you put new tires on it. We need those kind of receipts so we can document it so that when I go with the independent appraiser, I can say, look, this is what they’ve done. This is what, you know, above and beyond what a normal, you know,
SPEAKER 12 :
car for sale and the lot is going to happen right right well and and we’ve talked about this before in the past burke but you know we have different people listening every single week in this particular case there might be some people even traveling through uh because of the independence day holiday coming up this next week and by the way for those of you listening that are traveling through burke do you have a limit on who you can help and where they are or is this something that if there’s somebody traveling through from another state you can still help them
SPEAKER 04 :
Absolutely. With diminished value and total losses, I can do those across the United States, across the world. We actually just did one in Canada recently. you know, absolutely we can handle that because it’s not something, if the car’s been totaled, it’s not something that we need to worry about too much about getting out and putting our hands on. Right.
SPEAKER 12 :
Right. Good point. Good point. Yeah. Cause you, you know, for all of you listening, Burke’s got the ability through, you know, multiple programs and so on to where you can go out and look at what those values are and get a pretty good idea. Now, one thing that I’m going to recommend Burke for people to do, and this is something that I don’t think any of us are as good at it as we should. And I need to do this as well. But those of you listening, put on your calendar once a quarter to go take a walk-around video of your car. Show if there’s any door dings, damage, how good’s the windshield, tires. It wouldn’t take Burke 15, 20 seconds to do a real quick walk-around video to show here’s the condition of my car. And if you did that on a quarterly basis… You now have more ammunition for somebody like you. Am I correct in saying that?
SPEAKER 04 :
Absolutely. The more documentation we have prior to the accident, the better. Especially when we talk about classic cars. If you’ve done, over the winter, you do $20,000 worth of upgrades, but you never document that, The insurance company doesn’t know about it, and they’re not going to cover it.
SPEAKER 12 :
That’s right. Good point. No, for those of you, especially on those builds, and we’ll get into some of that. Burke’s going to join us again at 11 during Drive Radio. We kind of get into some of those details then, Burke, as well. But to give you guys all a teaser on that, yes, there are things that… Really, it’s for everybody driving, Burke. I’m not trying to minimize any one vehicle over another. Some of the classics get a little more involved, although insurance companies are going to do everything they can. I’m not saying this to be mean or rude to insurance companies. It’s business, Burke. They’re trying to minimize claims and maximize the revenue coming in on premiums. It’s the job of the adjuster to try to keep that claim down as much as they possibly can. And while they may appear to be your friend, and you’ll understand this because of your background, Burke, it is the job of a police officer to do as much investigative work and even ask a lot of probing questions whereby you may not necessarily have to even answer those questions, but it’s the job of the officer to… to try to extract as much data as they can for whatever the case is they’re trying to build. Those adjusters, Burke, are doing kind of the same thing, whereby they’re doing everything they possibly can to seem really nice, but at the end of the day, minimize the claim. Am I right in both of those?
SPEAKER 04 :
You’re absolutely right. You know, and if you think about it, the number of accidents that happened in Colorado, just Colorado alone, over one year, If the insurance company adjuster can save $2,000 on each claim, we’re talking millions on millions of dollars by the end of the year across the United States.
SPEAKER 12 :
Yeah, great point. Well said. So again, for all of you listening, if you’ve had any kind of or… You find yourself in a predicament here even in the next several weeks or months where you need some help along these lines. Burke is your guy. We’re going to talk at 11 more about some of the classic car end of things, some of the evaluation things. Burke and I had something we were working on here recently. We’ll talk a little bit about that as well. So there’s lots of things Burke can help you guys with. We’ll get into more of that, of course, at 11. But, Burke, what is the best way for folks to get a hold of you?
SPEAKER 04 :
The best way to get a hold of me is to give me a phone call at 720-295-0108. Okay. I’ve got a loud truck going, but I hope you can hear me. No, you’re fine.
SPEAKER 12 :
We can hear you just fine. A lot of activity. And, yeah, for those of you also, remind everybody that you’re down at the State Fair. If there’s folks out there listening that, you know, want to come down, go to the Rocky Mountain Street Rod Association, or it’s the National Street Rod Association is what I should say, Burke. If they want to go down and see that. And how many cars, again, Burke, are there?
SPEAKER 04 :
Right now, they just told me they’re over 1,600 in the gate. They expect 2,000 by noon today.
SPEAKER 12 :
Wow, that’s amazing.
SPEAKER 04 :
Yeah. That’s awesome. I mean, we walked about a mile before I called in, and we didn’t see probably three-quarters of them, and they’re still rolling in. I’m watching a deuce roll in right now.
SPEAKER 12 :
Awesome.
SPEAKER 04 :
Just some beautiful cards.
SPEAKER 12 :
Very cool.
SPEAKER 1 :
Yeah.
SPEAKER 04 :
People can give me a call, and if I can help them out, I will. It’s no cost to give me a phone call. Five minutes out of your day, I can at least tell you whether or not I can help you. And, you know, no sense in leaving $4,000 or $5,000 on the table. That’s right.
SPEAKER 12 :
That’s right. Absolutely. Again, Burke Payne, 720-295-0108, BP Appraisals. And, Burke, I appreciate it again. We’ll talk to you again during Drive Radio 11, get more into the classic car end of things. But I really appreciate your time today, sir, very much. I know you’ve got other things going on that are a lot more fun than this, but I appreciate you taking time for us.
SPEAKER 04 :
No, no, no. It’s all about the car culture. And whether it’s hot rods or your daily driver, it’s all about the car culture, and that’s what we’re about at DC Appraisals.
SPEAKER 12 :
Nice. Burke, I appreciate you very much as always. Thank you, sir.
SPEAKER 04 :
All right, thank you. We’ll talk to you at 11.
SPEAKER 12 :
Appreciate you very much. And for those of you, again, listening, tune in or hopefully you’ll just keep listening all the way through to Drive Radio. But 11 o’clock, we’re going to get into some of the classic car end of things and what Bert can do to help some of you where you’re looking to either buy, sell, there’s been an accident, something along those lines. That’s a whole other realm that we’ll talk about as we get into that at 11. But really quick, Steve, I don’t think people really understand that when there has been – and being car guys, I know it’s Fix It Radio – This applies, by the way, to a lot of things in your life, not just the car. That’s right. But when there’s been some sort of an accident, damage, something along those lines, yeah, it’s nothing against the insurance companies. They serve a purpose. But especially in today’s world, you really need to have all of your ducks in a row or you’re going to find yourself out there shortchanged at the end of the day and not being made whole again.
SPEAKER 11 :
Yeah. Oh, yeah. And what I didn’t understand what he just explained about how to figure out how much the value of that car is because the NADA books or the Kelly Blue books, they’re just guides. That’s all they are. You know, and if our car was wrecked today, you know, to us it has a different value probably. You know, like mine has low mileage, you know, what will they add for that? And figuring out that value, that’s the hard part. That’s right.
SPEAKER 12 :
Yeah, because, you know, Steve just brought up a great point. Kelley Blue Book, NADA, all of these sites that you go to to see what a car is worth. And by the way, what a car is worth is not necessarily what another one is on sale for. In other words, somebody could be trying to fire sale a car, and that’s not a good value. Somebody could be trying to get way above what the car is worth. That’s not a good value. You need somebody that is in that world that knows, OK, based upon all of this data, all of these different sales, knowing the low mile cars and so on. And in some cases, there might not even be great comparisons. And that’s where that’s where Bert goes to bat for you and says, well, there really isn’t any to compare this to. But here is my. And he’s an authorized official certified appraiser, I should say. Nationally certified. That’s a nationally certified where he’s then going to go to the insurance company and say, this is my feeling on what this car actually is worth. And that holds water because he’s got some things, some credentials is what I’m trying to say. He’s got credentials on his side that honestly, even Steve and I, as long as I’ve done this on air, I’m a radio host. Steve’s a shop owner. It’s great, and yes, we have a lot of experience in this world and know a lot about it, but we don’t have those credentials that somebody like a Burke Payne has, meaning that I can help in a lot of ways. but i can’t do it in the same way that burke can yeah you know the worst question we get in the shop is like well what do you think my car is worth that’s the one i hate the most i have i know it’s not what i do it’s a loaded question no it isn’t what we do on a daily i’m not in that lane i can usually get fairly close but again i’m not i’m not burke i’m not studying this and and the other thing too is you know we may know on certain vehicles what the value may be i mean i kind of keep up on certain types of vehicles and so on i get usually pretty close on those but I can’t tell you what a 2015 Toyota Camry’s worth. No. Or a 2020. Yeah. Or a 2024.
SPEAKER 01 :
I don’t know, Steve.
SPEAKER 12 :
I don’t do that on a daily basis to know what that is. Now, again, really quick, and that tip I gave all of you on taking videos of the car, you ought to do the same thing with your home. In fact, when you’re doing that and you make that calendar, you know, quarterly calendar appointment where I’m going to take some videos, You know what? Walk through your home. Keep things updated there. A, for the theft side of the fence, for the total loss, if there was a fire, anything along those lines. If you do any kind of an upgrade, even outside, even though landscaping and such isn’t typically covered. Still, I would still take video of all of that. Number one, you now have documentation of what you’ve done for that purpose. Number two, here’s the other reason to do it. You know, those become memories on down the road. Yeah. Where, you know, as you’re taking that video or those pictures or whatever, and a lot of the programs now, I know Apple does this, they’ll even pop up a memory of, hey, remember on this day.
SPEAKER 11 :
Yeah, I remember that.
SPEAKER 12 :
You know, at this time, what you were doing and this sort of thing. And so in some ways, that kind of gets to be a fun deal as well. So I would put on my calendar quarterly, running around, taking some of those pictures, video, however you want to do it, however you want to document it. whatever that is. And those of you that have even more specialty vehicles, I think it’s even more important for those of you with specialty vehicles to really take the time to do that because, to his point, that is documentation that you’re just not going to get any other way.
SPEAKER 11 :
I’m sure there might be that one scratch or something that drops it or changes it. Correct. Valued tremendously. Correct. Especially on a classic car or something.
SPEAKER 12 :
Well, and that’s where folks listening, even when it comes to, hey, I did get – I’ve got a really nice car and I parked it someplace and somebody put a big old door gash and things in it. That’s another conversation even with Burke along those lines. Not that there’s diminished value there, but are you getting that handled effectively? fixed, done correctly, all of that, because that’s a whole other animal we could probably get into on a drive radio.
SPEAKER 11 :
Dealing with your insurance company is the easy part. Dealing with the other person’s is the hard part. That’s where you probably need it the most.
SPEAKER 12 :
That’s exactly right. Yeah, and that’s where we’ve got sponsors like Kevin Flesch, Flesch Law, that helps us in a lot of those areas as well. Let’s do this. We’ll take a quick break. We’ll come back. I’ve got one of our other sponsors at the bottom of the hour that’s doing things differently in the real estate world that we’ll talk to as well. But we’ll come back and talk about some other things around the house in the meantime. Text line is Lighten Up. I’ll get those answered and looked at here in a moment as we go to break as well. And don’t forget, you can always call in 303-477-5600. Text line 307-200-8222. Myself and Steve will be right back. Fix It Radio, KLZ 560.
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SPEAKER 12 :
All right, we are back. Fix It Radio, KLZ 560. Jeff in Montana, how are you, sir?
SPEAKER 03 :
Good. Is there any background noise for me right now?
SPEAKER 12 :
There is not. You are good.
SPEAKER 03 :
Okay, good. I have a neighbor who’s doing a, who’s trimming, so I just want to make sure. No, you’re fine.
SPEAKER 12 :
Can’t hear it at all. We’re good.
SPEAKER 03 :
Good, super. Yeah, all the stuff you were talking about, you know, taking pictures of your house and, you know, doing stuff with your cars periodically, it’s, It reminded me of, and maybe this is a result of coming of a certain age, but remembering all this stuff becomes, you know, a bit problematic. Okay, what do I have to do today? Well, I’m not really sure.
SPEAKER 12 :
You know, and so… Well, and so what I’ve done, and this is a tip I give most of my business owners. They don’t always listen. You know, I coach other businesses, Jeff, and I am one, and I’m unique, so all of you can… Take this tip or not. It’s totally up to you for years and years and years. Jeff being, you know, again, I’ve been self-employed since 1986. And for the longest time, I would write out, you know, my daily to do list and I need to get this done and get that done and so on. And I’ve and that’s OK. There’s nothing wrong with that. And I still do that occasionally. I’ll jot some things down. But what I’ve learned, Jeff, is when it comes to major things that I have to remember. This needs paid on this date. This picture needs to be taken on this date. I need to do this evaluation on this date. What I’ve done is outside of my normal calendaring things of I’ve got this call at this time and I need to do this and I’ve got these show guests coming on this day and blah, blah, blah. I have learned through the years, Jeff, that if there’s something that I need to do that’s majorly important, because I live and die by the calendar, it goes on my calendar. So I will actually put an entry for this needs done at X time on this day. And if it’s something that needs to happen every quarter, every year, I do a reoccurring appointment and it’s automatic and I’m done and I don’t have to have a to-do list for that particular item anymore.
SPEAKER 03 :
Yeah, I do that with a lot of things as well. But on my repetitive things, what I’ve gone to is in the Apple universe, iPhones and iPads have what’s called reminders. And you can make lists in reminders. And so like I have financial and medical and house. you know, stuff around the house. Once a month I have to clean out the dishwasher filter.
SPEAKER 12 :
Right.
SPEAKER 03 :
So it pops up on my reminders and, oh, yeah, that’s what I’ve got to do today. So that’s what I was going to just suggest is, you know, with the advent of smartphones and everything they do now, I’m not sure what the Android universe has its equivalent. I don’t either.
SPEAKER 12 :
That I don’t know. And it’s funny, Jeff, as big of an Apple guy as I am, and I admonish you for, Using the reminders because I’ve gotten so dedicated to the calendar, I live and die by it. I don’t use anything other than that. And the calendars have their own built in reminder. So I and I look at that thing so often, you know, because I because again, what I do not only here, but during the day with coaching and so on, I’m on my calendar pretty much. So it’s open all the time. It’s pretty much open on my phone, pretty much open on my computer at all time. I just don’t do any of the other reminders, although I like your idea. Again, I’ve gotten so used to living and dying by the calendar, I don’t do anything else.
SPEAKER 03 :
Yeah. I kind of divide things up. Like if I have a doctor’s appointment or a recurring doctor’s appointment, like at church I have to lecture every two weeks. So that goes in the calendar, and that’s not a reminder. That’s in the calendar because I can have a trip time in that calendar. But things like clean the dishwasher filter or the bank statements coming in today, those kinds of things, if I put all of those in the calendar, pretty soon the calendar, especially on a phone, becomes so big it’s hard to see. So it just kind of reduces calendar clutter but lets me still track things. That’s just my personal preference. As you so often say, there’s not a right way or a wrong way. It’s just find a way and use it.
SPEAKER 12 :
Yeah, and I appreciate you saying that. I mean, I gave out a tip of how I do things and what I encourage my business clients to do. But my point is have a system. And I know a lot of you are going to hate me for saying this, but other than jotting some things down on paper, Throw your dang paper Rolodex, you know, daytime or whatever those stupid things are away. The reality is we now live in a digital world. All of you, including those that are typically Jeff, even much, much older than I, have got some sort of a smartphone that has all of this digital capability. Why is anybody still buying a paper calendar?
SPEAKER 03 :
Yeah, well, you’ll have to talk to my wife about that.
SPEAKER 12 :
I don’t get it, Jeff. And that is one I cannot wrap my head around. Why in the world are you carrying a book with a calendar in it around when you’ve got this device that’s always on you? I’ve yet to understand that one. Somebody has to call in and tell me why that still works.
SPEAKER 03 :
And you can store it in, like, I store mine in iCloud. It’s all there. So it’s available across all the devices. So it doesn’t matter if I’m on my iPad, my computer, or my iPhone.
SPEAKER 11 :
Nope.
SPEAKER 03 :
It’s the same calendar and the same set of reminders.
SPEAKER 11 :
Now, to defend us, few that do it this way. At our work, we have a calendar that we physically look at. That’s different. And we write things, reminders, days off, that kind of stuff. That’s different. But we change that. monthly. I have to see that, though.
SPEAKER 12 :
What I used to do for the business, and I, again, encourage my business owners to even do this, Jeff, is I had a master Google calendar that anybody that wanted to subscribe to, because what I was putting on there wasn’t that important. When somebody had a day off, I didn’t care if I just made it a public calendar. Anybody could look at it, see it, whatever. It wasn’t a big deal. That’s what I’ve done on the business side so that everybody collectively could see that, and I didn’t have to have a calendar hanging up on the wall. But Yeah, but you’ve got to train people to look at it. That’s the key. And use it. Yeah, all of this, Jeff and Steve, and all of you listening, whatever system it is, that’s great. Just be consistent and use it. What I’ve learned through the years, Jeff, is most don’t.
SPEAKER 03 :
Yeah, and, you know, I think the phrase that I use the most that catches me is, oh, I’ll remember that. No, you won’t. No. And I don’t know.
SPEAKER 12 :
And here’s the thing. I don’t care how smart you are. I don’t care how how programmed you are along those lines. The reality is it doesn’t matter what age either, Jeff. No, you won’t. Sometimes you will. And some people have really sharp minds. They can pretty much remember everything. But other things come along and cloud your brain at times. And that one item. And I’m not a. I’m not a brain expert. I interview a lot of those folks on my Wednesday show, and I’m not a brain expert. What I do know, though, is the brain can be compartmentalized, and some of those things, Jeff, can get shoved off into an area that realistically you won’t remember it.
SPEAKER 03 :
Right, because just one thing, if stress comes in, all of a sudden some of the higher-order brain functions get suppressed.
SPEAKER 12 :
Take over.
SPEAKER 03 :
That’s right. Because, yeah, your amygdala has kicked in, and it’s kind of a threat now, so you’re more focused on threats. And you haven’t forgotten them. They’re in there, but your brain’s not going to let you focus on those because there’s something more important to work on right now. You’re right.
SPEAKER 12 :
example and you know there’s all sorts of things going on in your brain yeah and again I’m not you know I I’m electronic guy and everybody else is a little bit different and I’m not saying anything about any of that I’ve still wrapped try to wrap my head around the whole paper end of things at times but At the end of the day, here’s what I do tell people. Whatever the system is, just make sure you use it and you’re consistent. I think the biggest mistake, Jeff, people make along these lines is they’re inconsistent. They do an electronic thing, and then they’ll go do a paper thing, and then they’ll maybe switch over to a blended. They’re all over the map, and the problem is when you do that, you’re not remembering anything. You’re not doing it right.
SPEAKER 03 :
Yeah, you don’t have a system. You have a bunch of disconnected things that you’re trying to do at the same time, and you’ll forget to do one of those, too. So, yeah, exactly.
SPEAKER 12 :
Yep.
SPEAKER 03 :
And I just, as you were talking, it just struck me that, you know, I guess reinforce what you just said. Have a system, use it. And Justin, is it Steve who’s there with you?
SPEAKER 11 :
Yes, yes.
SPEAKER 03 :
Yeah, in his defense, the folks who change my oil on a regular basis have a paper calendar that they write down all the appointments on. Really? Wow. Yeah.
SPEAKER 12 :
Even as an owner, Jeff, I hadn’t done that. I sold out in 2012, and it was a decade prior to that that I used paper. Yeah. Wow.
SPEAKER 03 :
Good for them. Yeah. It’s what works for the person.
SPEAKER 11 :
Yeah, and if it works for them, so be it.
SPEAKER 12 :
Yeah, whatever.
SPEAKER 11 :
That’s what’s wonderful about the industry I love, is I love seeing how other shops do things, like how other people carve it up for themselves.
SPEAKER 12 :
If it works, that’s fine. Again, even on a personal level, as long as it works, what I find with a lot of people, Jeff, is they miss all sorts of things because it doesn’t work.
SPEAKER 03 :
Right. That’s exactly right. Yeah.
SPEAKER 12 :
So good point. No, you’re no good. Good, good tip on that, Jeff. Thank you. I appreciate that. And Mark’s got a comment on this as well, which I didn’t realize we were going to go. This, this is fun. This is a great topic, by the way, because this, this one is near and dear to me because I, as you guys all know, I wear a lot of hats and I have to be extremely organized. And I get this question a lot, even from people that text in as to, you know, how do I get everything done in a day’s time? I’m telling you now how I get it all done in a day’s time. So Mark and Wiggins go ahead.
SPEAKER 05 :
John, I have for years been trying to get my wife and my family on the same page with a joint digital calendar, and it just hasn’t happened. Why? Why? Yeah.
SPEAKER 04 :
I don’t have an answer.
SPEAKER 12 :
And I’m being very serious. I mean, do you guys, did you create, because in my case, even my boys can see this depending, I have multiple calendars. So really quick, I’ll give you guys all a rundown as how I do it. I have some things that are personal that nobody sees except me. I have a lot of things. In fact, the majority of my calendars are shared between either me and my wife, between me and my wife and the boys, between me and all the folks that are involved with this show. I mean, I’ve got a lot of shared calendars that can all be set up through, for the most part, Google. You can do some of this through Apple if you’ve got other Apple users. But for the most part, you can do it through the Google end of things. And so, Mark, the question I guess I have for you is do you have a – Google where it’s universal anybody can see it that wants to family calendar that shared among those individuals and
SPEAKER 05 :
No, and I guess I haven’t really figured out how to do that. Simple.
SPEAKER 12 :
It is hard.
SPEAKER 11 :
No, it’s not. For some of us.
SPEAKER 12 :
Let me tell you really quick how you do it. It’s really not. It can be confusing, but it’s not, and let me explain why it’s not. First thing to do is whatever your main Gmail account is is for everybody listening, and I would do it through Gmail. Yeah, there’s all sorts of other ways you can do it, but this – If you’re going to do it this way, where anybody that needs to see it, no matter what user they are, Android or Apple, doesn’t matter. Best thing to do, Mark, is figure out what is your main Gmail account. Now, in my case, I have a lot of Gmail accounts because another way I keep myself organized is I’ve got different Gmail accounts for different things I’m doing. For example, Drive Radio has one. Rush to Reason has one. I have one for my other company, Companies. I have another one personally. So I have several different Gmail accounts so I can keep even the documents that go, because they’ve got their own drive system that Google has where you can store spreadsheets and Word documents and all sorts of stuff in each one of those quote unquote accounts. So I sort of have file cabinets, if you would, based upon Gmail accounts. But most people aren’t going to do that. They don’t have as many things going on as I do. You’re going to have mainly one Gmail account. So what I would do, there’s two ways you can do this. Either one, you get your main Gmail account and then you figure out what the other family’s accounts are. And then all you have to do is once you know what the other Gmail address is for your wife, let’s say, you just go to the sharing section of that calendar. It’s really easy. Just do the little drop down, scroll down. It’ll say share calendar. You just put her email, her Gmail account into the sharing section. And you can even say she can edit, she can view only. You can say, on my radio show side, for example, I have certain things where other people can edit. Producer Ann, for example. But everybody else is a view only. I don’t want anybody else in there changing anything, Mark, except for me and Producer Ann. So everybody else that can see it, can see it. but they can’t make any changes too. So you can dictate how you want those other peoples to be able to access that calendar and view it. And you could even have your kids with a Gmail account. Now, that’s option one. Option two is create a family Gmail account. Give everybody a, come up with a decent password, but give everybody the password to the family Gmail account. And then it’s just standardized. You don’t have to share anything. You can do it one of two ways.
SPEAKER 05 :
I like those ideas. I got to be honest, partially. Okay. So we homeschool and I have for the longest time and probably will be for even longer, completely reluctant to get my kids devices, meaning smartphones. I absolutely refuse to allow them a smart device. Now,
SPEAKER 12 :
recently my wife decided to get them little smart pads or whatever they you know and again and in that case mark as long as those devices which i’m assuming they can you can put restrictions and stuff on all of those devices but as long as they’ve got the ability to you know let’s say access uh a calendar even have a calendar app on it that only is synced with your particular calendar which you guys could all set up they could be a part of this as well and learn how this works
SPEAKER 05 :
So your question earlier was why on earth do we still have paper calendars? Well, because they’re free. Most places that we get them, we don’t buy them.
SPEAKER 12 :
But so are all these other apps that I just mentioned.
SPEAKER 05 :
We’re right. But here’s the thing, John, is our kids are still kids. And they like to be able to run up to the refrigerator and be like, what’s going on today or what’s going on tomorrow? Sure. Rather than, you know, asking for mom and dad’s phone, because. Right. Again, I’m trying as an adult in 2025. Parenting is tough.
SPEAKER 12 :
It is.
SPEAKER 05 :
And although really quick. And what are their ages, Mark? Nine and 12.
SPEAKER 12 :
Okay. So in my opinion, they’re getting old enough to where it won’t be that much. I mean, I had a paper out at nine and was working in the dealership at age 12. So I feel your kids are old enough to where, honestly, you should be teaching them some of the things we’re even talking about right now, even on the electronic side as to how do I keep myself more organized? Because as they enter the business world, they will find a lot less paper there than what you’re doing at home, just being honest.
SPEAKER 05 :
Oh, absolutely, John. I mean, for the last month and a half, I’ve been trying to grill my whole family to get the kids online banking logins. And for whatever reason, the bank that we’re going through has been a complete nightmare. You know, they couldn’t get the emails right or they couldn’t get the logins right. Right. Well, we finally this week got one or actually both kids logged into their online account, but it was through the quick pin, not their username. So now we have to figure out why isn’t the username working? Well, one, it’s like a code. It’s a bunch of numbers, like eight numbers. And when we try to go in to change the username.
SPEAKER 12 :
we keep getting a blocked error from the bank and i’m like my head hurts yeah i can imagine well and again i think you know you guys are definitely in the right direction as far as that goes and like i said earlier i mean if somebody wants to use paper fine that you know it’s you know whatever teach his own i i will say though i think if you’re going to be if you’re going to grow in the business world and you’re going to keep up with everything going on especially on the technology front And again, nothing against people that use paper calendars and all of that. That’s great. The problem is, typically speaking, they’re not always with you. That’s the biggest complaint that I have with paper anything is unless I’m carrying that device, that booklet or whatever it happens to be with me at all times. And by the way, when you’re at your kids’ whatever, whatever, whatever, and you’re outside watching them play whatever sport it is they’re playing, you probably don’t have that with you. And yet you may need to put something into your calendar that you’ve been reminded of or you met somebody there that you now want to go have an appointment with, or, or, or, to me, having all of that stuff in the palm of your hand makes it so much easier. I just don’t know why you’d carry paper anymore.
SPEAKER 05 :
You know, and I’m definitely going to dig in to try to get the family on board this week with that calendar. My daughter, she’s an entrepreneur. You know, I tried mowing stuff. I was, you know, it was for I wanted something specific. She’s business minded. Nice. Unlike I ever was. Nice. Good for her. She’s 12 years old. She’s already written four books, and we just ordered 20 hard copies to get delivered to us.
SPEAKER 12 :
Nice. Good job, Mark.
SPEAKER 05 :
And she’s combining book one, two, and three of this series that she’s building. And she researched it. She designed all the hard work. Good for her. She copyrighted the thing. She’s trying to get an ISBN, and she’s 12. Good for her. That’s awesome, Mark. Good for her.
SPEAKER 12 :
Proud of her. That’s awesome. Yeah, you should be proud of her. Yeah, that’s awesome. Good for her.
SPEAKER 05 :
I’m very proud of her. Good for her. She’s an amazing girl. That’s awesome.
SPEAKER 12 :
Well, and you know how to get a hold of me, Mark. Anything you need on that, tips or whatever, you’re struggling with something, reach out. Let me know.
SPEAKER 04 :
Thanks. All right, man. Such a great fit.
SPEAKER 12 :
I appreciate it, Mark. Thank you very much. All right, Julia Swope joining us now and has a totally different way of doing real estate we’re going to talk about. Julia, welcome. How are you?
SPEAKER 13 :
I’m good. Thanks. How are you?
SPEAKER 12 :
I am very good. And sorry, today’s been an interesting day. We’ve kind of gotten off on a few things here, and I don’t know that it necessarily involves fixing things around the house and doing all of that. Some of what we’re talking about is maybe more on a family-slash-personal basis. But, hey, you know what? At the end of the day, it all helps. That’s all that matters. All right, so talk to us about your new business, Tailored Services Real Estate. We’ve got ads running where folks have heard your ads, but talk about what you’re doing differently in the real estate world given a lot of the changes that have happened here in the past year.
SPEAKER 13 :
Sure. So I started in real estate over 20 years ago and reopened my new office just recently after the changes with the DOJ. And I’ve just noticed that real estate agents aren’t wanting to lower their commissions. They’re not wanting to change their business models. And for me, being a real estate agent is all about helping the customer. And not that I’m doing it for free by any means, but I am certainly not charging the standard commission rate. I don’t think it’s right for real estate agents to be making the same kind of money as doctors and lawyers for doing… And quite frankly, a lot less difficult work. So that’s my whole premise is to make this more about the customer, less about the agent and really just making it more affordable for people to buy and sell their house.
SPEAKER 12 :
Yeah, and again, nothing against those that are out there. I’ve got several real estate agents that listen and appreciate each and every one of you. The difference here, Julia, that you’re doing is you’re making this, quote-unquote, more affordable for people at the end of the day. You’ve got the ability even to do some a la carte things. In other words, if there’s people that think there’s a certain amount of the – you know, quote-unquote transaction that they can even handle on their own. For example, they’ve got their own inspector. They know they can get all of that lined out and done and handled as long as they’re meeting the deadlines. Great. That’s one less thing that you as an agent have to worry about. Therefore, you can save them some money. That’s one example, right?
SPEAKER 13 :
Exactly. So my… The idea is that if someone is familiar with selling their home and they’ve done it several times, they want an agent but they don’t want to release total control, this is a great opportunity. I can help them with all of the things that they are unsure about, helping them keep track of contracts and deadlines and those things while they can do the things that they feel more comfortable with. So if they want to handle all the showings and scheduling, that’s great.
SPEAKER 06 :
Right.
SPEAKER 13 :
I can do the things that they need, like putting it in the MLS, helping them find the title company, submitting this, helping them review contracts, all of those things that they maybe are less familiar with.
SPEAKER 12 :
or if somebody listening that says, well, yeah, I want a full turnkey thing, and I’m willing to pay a little bit more money to do that. Great, Julia, you can do all of that as well. The difference is, again, as I said a moment ago, you have the ability to really offer somebody what other agents are not, because most agents aren’t willing to do anything on, it’s either full service or it’s nothing. They’re not willing to do anything less than that. I’m not sure really why, because to me as a business owner, you’d want to try to help, clients out any way shape or form that you can that’s me talking about it and I get it you still have ideal clients and so on and that’s a whole nother conversation probably for another day another show but Julie at the end of the day you’re giving people more options or tails why the name tailored services you’re able to tailor things to them that make that different than the average agent right correct and so I’ll do a consultation with someone and
SPEAKER 13 :
talk to them before we ever list or even before we start looking for a home and make sure that I know exactly what they’re looking for and then base my commission rate or flat fee in some cases, depending on what we decide is best for the person, to fit their needs so that I’m not charging them a full service commission rate if I’m not needing to give them full services. And if they want a full service, I still charge less.
SPEAKER 12 :
Nope, I lost you for a moment. You’re still charging less, I think is what you mean, than what somebody else would be on a comparable type of a deal. Yeah, yeah, yeah.
SPEAKER 13 :
Yeah, so my philosophy is just to try and help them the best that they can. So this is especially great for… Sellers who maybe don’t have a whole lot of equity or who are looking to get out of the home for whatever reason. Great point. And can’t pay what a traditional agent would charge. That’s where I can come in and help them.
SPEAKER 12 :
You brought up a great point. We’ll use round numbers here really quick. Let’s just say that, I don’t know, we’ll use… Let’s use $650,000. I mean, I know some folks out there listening have homes that are worth more than that, some have homes that are worth less than that. I don’t know what the average in Denver is. I think it’s actually ticking up above that. But let’s just say it’s $650,000, and that side of the sale is going to cost you 2.5%. That’s $16,000, Julia. If there’s the ability to knock that, let’s say, in half, that saves that particular person $8,000. That’s a chunk of money.
SPEAKER 13 :
Exactly. And that’s money that they can, especially if they have… Repairs that need to be done.
SPEAKER 12 :
Right.
SPEAKER 13 :
Or maybe they need to do something to get into their next home. Those are all things that can go back to the seller to help them with their next business.
SPEAKER 12 :
That’s right. So, again, for those of you listening, website is tailoredservicesrealestate.com. and be the place to go. And again, I want to make sure that I emphasize this as well, Julia. This includes even the BISAC. That’s the other thing that’s gotten really convoluted since the NAR settlement came out is there’s a lot of agents that will have a particular fee for a home or multiple homes or whatever the case may be. And one of the things I want you to talk about, Julia, is some of the sellers may have already baked in a percentage that they’re going to pay back to that particular real estate agent that brings them a client. So they’ve already got baked in that buyer’s commission. If you, though, on the other hand, have a better deal worked out that’s better than what that has been baked in already, you have the ability to either help that particular buyer, maybe lower the price of the home some. There’s all sorts of things that actually can help that buyer out that, quite frankly, other agents aren’t going to allow them to do.
SPEAKER 13 :
Exactly. So if they want the sellers to pay for something else instead, we can say, OK, you’re going to give this commission rate instead of giving this to me. Please give this much money towards the buyers, towards replacing carpet, towards the new appliance, towards whatever the buyers are going to need. And then that way. It goes back to the buyer, who is really the person that should be benefiting from this.
SPEAKER 12 :
They’re the ones, really, in this case, they’re the ones essentially writing the check for the whole nine yards. People don’t really realize this. They think, well, the seller is actually paying the agents. No, actually, it’s always the end customer, which in this case is the buyer, that’s actually paying all of that. Yeah, it’s coming out of the total proceeds of that sale. But keep in mind, the sale wouldn’t happen.
SPEAKER 13 :
Exactly. And so this just helps the buyers to negotiate some things that they would maybe want or need in the deal. and have the money to do that.
SPEAKER 12 :
Yep, great idea. I think it’s wonderful. And again, those of you listening, Julia Swope, one of our great sponsors, tailoredservicesrealestate.com, tailoredservicesrealestate.com. Julia, what’s a phone number folks can reach you at as well? I’ll write that in here in my show notes also.
SPEAKER 13 :
It’s 720-383- Oh, give me just a second.
SPEAKER 12 :
You’re fine. We don’t memorize these like we used to.
SPEAKER 13 :
No, I used to have all my phone numbers memorized that I needed.
SPEAKER 12 :
We don’t do that anymore. Sort of like paper calendars. We don’t have to anymore.
SPEAKER 13 :
Exactly. So 720-383-7592.
SPEAKER 1 :
7592.
SPEAKER 13 :
Perfect.
SPEAKER 12 :
All right. I’ll put that in my show notes as well. And for those of you listening, if you’re looking to save some money, whether it’s buying and or selling, and I do think you’re going to see a rate decrease in July, which is going to affect mortgage rates as well. So things are going to change here in the real estate world, I think, by the end of summer. So those of you that are thinking about doing anything at all, I would also tell you that it’s much, much a buyer’s market right now as we speak. How long will that last? I don’t have a crystal ball, Julia. I cannot say. But what I can say is for what you’re doing on especially the buyer’s side, if somebody out there is thinking about doing something, first-time buyer, whatever the case may be, you can help them save money at the end of the day.
SPEAKER 13 :
Absolutely.
SPEAKER 12 :
All right. TailoredServicesRealEstate.com, 720-383-7592. Julia, thank you very much. Have a good weekend.
SPEAKER 13 :
All right, thank you, you too.
SPEAKER 12 :
You’re very welcome. And again, yeah, very unique new way of doing real estate that frankly has not been, well, there’s a few that are doing something similar to this, although Julia doing things on an a la carte basis is unique. Most won’t even do that. And what I mean by that too, I’ll add this really quick, If you’ve got a house you’ve already found, you already know the seller, you want to get something put together, and you just need somebody to help you do all of the contract end of things, and you want to just kind of pay a flat fee. You don’t want to go hire a real estate attorney and do all of that, but you want it all done correctly to where everything’s legit. You’ve got a title company and all of that. Julia can help you with all of that as well. So if there’s anybody out there listening that has a similar situation where you’re just needing somebody to assist you in all of that, she can help you on an a la carte basis with that as well. All right, we’ll be right back. We’ve got lines open, by the way, 303-477-5600. We’ll be right back. Fix It Radio, KLZ 560.
SPEAKER 09 :
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SPEAKER 02 :
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SPEAKER 12 :
All right, we are back. Fix It Radio, KLZ 560. Joe in Jersey, what’s up?
SPEAKER 14 :
John, I don’t know if it’s hit Colorado yet, but here on the East Coast, New Jersey, Pennsylvania, realtors and middlemen are actually offering to pay you up front if you list with them.
SPEAKER 12 :
No, we haven’t seen that here yet. No, not at all.
SPEAKER 14 :
And the way it works is, first of all, and they’re realtors, you know, like Weikert and the big firms, are advertising on the radio, you know, give us your listing and we’ll pay you, you know, $2,000 to $5,000 up front if you give us your listing. Now, the way they make it back, by the way, I’ve got a brother-in-law who’s a realtor. He’s a real estate agent, works for one of the big firms. The best deals these days is that your broker, the seller’s broker, gets 3%, and you as the seller agree to pay the buyer’s broker fee, if any. So that’s kind of the best deal out there.
SPEAKER 06 :
Mm-hmm.
SPEAKER 14 :
3% to your broker, plus if there is a buyer’s broker, you pick up 100%. Now, these people are willing to say, okay, we’ll give you, say, 1% of the sale price. So on a $500,000 house, that would be $5,000. What they’re doing is that when you go to sign that contract that has that provision, instead of the 3% best deal, they’ll have a 4%, 4.5%, or 5% fee to them, plus you still pay the buyer’s broker fee, if any. And there are even companies out there, middlemen offering to shop. your listing to other realtors for a fee.
SPEAKER 12 :
Amazing. No, we do not have that here as of yet. And again, John, I’m not against realtors by any stretch of the imagination. That is not where I’m going with things on this. I do think that that settlement is changing things in the industry. You can see in your case in Jersey, it’s definitely changing things. That hasn’t happened here yet, but I’m telling you, there’s still bigger changes coming when it comes to real estate in general.
SPEAKER 14 :
Have you seen or do you know offhand what they’re, what the sellers, brokers demanding as far as the percentage of the sale?
SPEAKER 12 :
Right now in Colorado, you’re typically going to pay about 3% to 3.5% on the sales side, and you’re going to pay 2% to 2.5% on the buy side.
SPEAKER 14 :
Right, if there is a buy-side broker involved.
SPEAKER 12 :
And there most always is in Colorado. I just went through that with the sale of one of my folks’ homes, and even though I didn’t want to pay the buyer’s commission, I was forced to pay. I got it down to a point and a half, and that’s the best I could do, Joe. And my biggest complaint with that was it was an easy, quick sale. The agent wasn’t doing much, in my opinion, and I don’t care what the agent did prior to my house. That’s between her and those buyers. This was my deal, and she was the daughter-in-law of the buyer, so I really had no sympathy there whatsoever.
SPEAKER 14 :
Yep. But my brother-in-law tells me that a surprising number of people are opting for the upfront check. Now, they don’t realize, and then they see 4%. And they’re used to remembering that the standard commission was six. So they still think they’re getting a deal, even though what they’re getting in terms of that upfront payment might be less than the 1% additional premium they’re going to pay to the broker. So in other words, let’s say in a $500,000 house, the 1% is five grand. And they’re saying, hey, we’re going to give you $2,500 or $3,000 if you sign with us. And by the way, it’s typically a six-month non-cancellable contract. So they still think they’re getting the deal, and they say, yeah, I’ll take the $2,500, not realizing they’d be better off foregoing the quick upfront money.
SPEAKER 12 :
Right. Just negotiate your deal better.
SPEAKER 14 :
Yeah. Now, I don’t know how many people are desperate for that upfront payment. I don’t know. But it’s an enticing thing they’re doing.
SPEAKER 12 :
Yeah, it is. I can see that spreading, Joe. I don’t like that, by the way, because to your point, all that’s doing is locking in a higher price that you’re going to pay overall with that upfront incentive thinking that, hey, this is a great deal. Well, maybe not.
SPEAKER 14 :
Right, and there’s no more 60-day or 90-day contracts with your broker. There’s a six-month minimum, seven-month one a year. Wow. And also, the contract, they have to agree upon your minimum sell price. If you’re going to ask an outrageous price, they’re not going to pay you 1% of the sale price or half a percent of the sale price.
SPEAKER 12 :
Yeah, so if you’re somebody that wants a million bucks out of your home, but it’s really worth $900, that’s not going to fly.
SPEAKER 14 :
They’re not going to agree to that deal.
SPEAKER 12 :
Gotcha.
SPEAKER 14 :
And I was surprised to hear, John, and I continue to hear these ads every week. Wow. They’re, again, middlemen. They’re not realtors, but they’re middlemen.
SPEAKER 12 :
They’re out shopping it.
SPEAKER 14 :
They’re shopping your listing to other realtors.
SPEAKER 12 :
Amazing.
SPEAKER 14 :
And they’re going to take a piece of that.
SPEAKER 12 :
They’re like a, I’m going to go find your deal broker. I don’t know what they would call themselves. They’re not really a real estate broker. They’re a real estate deal broker.
SPEAKER 14 :
Deal broker, right. They’re a deal broker, and they’re looking for a piece of that payment.
SPEAKER 12 :
Amazing. No, Joe, thank you. I had not heard of that at all. I will definitely keep that in my memory banks because, as you know, things typically from East Coast, West Coast spread to the middle.
SPEAKER 14 :
Yep, and again, it’s not just one radio station, John. I listen to two or three different radio stations. Wow. Yeah, primarily talk stations.
SPEAKER 12 :
Sure, sure.
SPEAKER 14 :
And it’s on all.
SPEAKER 12 :
Oh, I’m sure. No, it hasn’t yet, but now that you said that, it will be.
SPEAKER 14 :
Well, John, there’s a business opportunity. Maybe you want to set up a business becoming a broker.
SPEAKER 12 :
I’ll be the broker-shopper.
SPEAKER 14 :
Broker-shopper. John, start your own business.
SPEAKER 12 :
There you go. You’re like, I need another thing to do. Why not? All right. John, thanks, man. I appreciate it very much. Great information. I was not aware of that. So for those of you listening, and it is true. It’s been true in the car world for eons. Whatever’s on the West Coast and East Coast will spread to the middle. Business-wise, similar situation. Styles, all of that, whatever’s East Coast, West Coast, it will eventually spread to the middle. So if that’s happening in Jersey, you bet you it’s going to be happening in Colorado in probably the not-too-distant future. All right, we’ve got our other program coming up here in a moment. Hang tight. If you want any information on any of our sponsors, including Julia, Burke Payne, those that have joined us today, go to fixitradio.com. Otherwise, myself and Steve, Charlie, and Larry signing off. You guys have a great rest of your day. This is Fix It Radio, KLZ 560.
SPEAKER 08 :
The views and opinions expressed on KLZ 560 are those of the speaker, commentators, hosts, their guests, and callers. They are not necessarily the views and opinions of Crawford Broadcasting or KLZ management, employees, associates, or advertisers. KLZ 560 is a Crawford Broadcasting God and country station.
