In this episode of Drive Radio, we dive into winter driving conditions and share essential tips to keep you safe on the roads. Our guests, Steve Horvath from Geno’s Auto Service and Pat Schneid from Alltech, discuss the challenges of navigating snowy roads and the importance of selecting the right tires for your vehicle. Learn about the best tires for snow and how vehicle compatibility plays a crucial role in performance and safety.
SPEAKER 14 :
It’s 106 miles to Chicago. We’ve got a full tank of gas. It’s dark, and we’re wearing sunglasses.
SPEAKER 15 :
Hit it. Our lady of blessed acceleration, don’t fail me now.
SPEAKER 10 :
It’s time for Drive Radio, presented by Colorado’s select auto care centers.
SPEAKER 16 :
Bop-a-da-bop!
SPEAKER 10 :
Whether you need help diagnosing a problem. I want to ask you a bunch of questions, and I want to have them answered immediately. Or just want to learn about all things automotive.
SPEAKER 09 :
Hey, how exactly does a positrack rear end on a Plymouth work?
SPEAKER 10 :
It just does. Then you’ve come to the right place. So start your engines, buckle up, and get ready to ride. Drive Radio starts now on KLZ 560 The Source.
SPEAKER 18 :
All right, and it is Drive Radio, KLZ 560. Thank you all for joining us today. We appreciate it very much. Steve Horvath again with us. He was with me over at Fix It Radio, so he’s agreed to hang around, of course, through Drive Radio. He is from, of course, Geno’s Auto Service over in Littleton. Pat Schneid joining us from Alltech up in Fort Collins as well. And Pat made the trek down.
SPEAKER 04 :
Hey, nice to see you guys. Thanks for having us today.
SPEAKER 18 :
Okay, so I’m sure a lot of people are thinking the same. How is the drive from up north down here?
SPEAKER 04 :
So the roads are good winter driving condition, a little bit of packed snow, and, of course, the plows are out. The only other typical thing is traffic’s moving about 60% to 70% of normal speed. Okay.
SPEAKER 18 :
So not too bad. Take your time if you have to get out and about. Now, what I would also say, and we say this all the time, if you’re like us, natives, whatever, you’re used to driving in this stuff, doesn’t bother you, you’ve got the right equipment, right tires, and so on, you know what? Be my guest. Go have fun. If, on the same token, you’re a transplant, and you struggle to drive in the snow, and you really don’t need to go anywhere today, don’t. Just hang out until they get some of this stuff plowed and handled and done, and you’ll be a lot better off, and so will the people around you.
SPEAKER 04 :
It’s a great day for a fire in the fireplace.
SPEAKER 18 :
There we go. There we go, Pat. Bill in Lakewood, go ahead, sir, starting us off. What’s up?
SPEAKER 07 :
Hey, here’s just a little help for people because I’m sure there’s a million people out there going, shoot, I should have bought tires yesterday.
SPEAKER 18 :
Yeah, they should have, exactly.
SPEAKER 07 :
But, you know, in my experience, you probably know, too, like the Wranglers Duratrax, I’m telling you, man, they’re hard to beat.
SPEAKER 18 :
They work good. No, they do. They work well. I’ve got a couple of trucks with those on them that, you know, came that way from the factory. No, that’s a great tire in the snow. They work very well.
SPEAKER 07 :
Right, because I got on my new truck, I got the Kevlar’s, and they ain’t quite as good. They’re okay, but they’re not as good as the Duratrax.
SPEAKER 18 :
I can’t say as I disagree with that. And also we’ll say this when it comes to tires because I’ve also learned this, Bill. A lot of it comes down to also the vehicle. I am one where I think there are certain vehicles where certain tires work better on that particular vehicle, and there’s a lot of other factors that come into play. And I’ve said this many, many times. No, it’s not a one-size-fits-all when it comes to tires. You really need a tire that fits what you’re going to be doing with that vehicle for those conditions.
SPEAKER 07 :
Right. Yeah, but the snow, I mean, especially with the all-seasons, some are better than others.
SPEAKER 18 :
Correct. You are correct in that. We’ll not doubt that.
SPEAKER 07 :
And the problem is, half the time, these manufacturers just put it, it’s the price that determines what the heck they’re putting on.
SPEAKER 18 :
Well, and you bring up a great point, too, Bill. There’s a difference in – and there’s a few exceptions to this, but not many. I mean, what I mean by that is there’s a few special modeled – there’s a few special vehicles. whereby you can go buy that same tire out in the open market, no problem. But typically, the OE tire is its own tire. They have gone to that manufacturer. They have requested a particular tire be built for them for that particular car. And in some cases, it’s really hard to even find that same tire again, not going back. And even then, sometimes they won’t have that same tire. Now, the Duratrac and some of what you’re talking about is kind of one of the exceptions to that rule. But for a lot of folks out there, if you’re listening, you may not find that same factory tire you got on that car originally. You may not find that again.
SPEAKER 07 :
But, you know, you’re right, because that did happen to me once a long time ago. I don’t remember which car it was even on. But the ones I was able to buy weren’t like the ones that came on the car.
SPEAKER 04 :
That’s right.
SPEAKER 18 :
Yep, you’re exactly right, Bill.
SPEAKER 16 :
How noisy is this tire? Because it looks pretty aggressive.
SPEAKER 18 :
Not bad, actually. I’ve had them on my ZR2. In fact, I’ve got those on… I’d have to go remember what vehicle they’re actually on now, but I’ve got them on another one of my vehicles. I think this Ram I’m driving right now is a test… car actually a test test drive i’m on right now i believe steve has those on it and they’re not bad they’re actually they’re because the way they cite the outer edges and such they’re really not that noisy they’re actually a very to bill’s point they work really well snow and ice and so on but they’re not super noisy
SPEAKER 04 :
Is this a Wrangler dirt track? Wrangler dirt track, yeah. I think I’ve got them on the Suburban that I’m driving to, and they’re pretty quiet. They’re very similar to, like, a BFGoodrich all-terrain, you know, not a mud train, but the all-terrain.
SPEAKER 07 :
I’ll take a little noise to not getting stuck. I mean, I’ve gotten stuck in the snow, you know. Agree. One time I was going from Greeley to Roosevelt, Utah, if you know where that is. Oh, yeah. And… I thought the car, this was about 40 years old, probably closer to 50 years ago. I thought the car had all seasons on it, and they were recaps. By the time I got between Colorado and Roosevelt, I spun off into a field. That’s too bad.
SPEAKER 18 :
Bill, you brought up some great points. Thank you for that. I appreciate that very much. Jerry and Greeley, go ahead, sir.
SPEAKER 03 :
Last week, a gentleman called. He had almost gotten a citation for idling his vehicle in his driveway. And he was able to persuade the officer, show him a printout of the statute that said he was okay. But that got me thinking about my situation here in Greeley. So I looked it up, and Greeley has a municipal ordinance that allows citation anyplace. It doesn’t matter whether it’s private property or a public roadway. that they can cite you for idling an unattended vehicle unless it’s got the remote starter set up.
SPEAKER 18 :
Well, and that’s kind of what I had always thought, and he last week said that that’s – and I haven’t had a chance to look up actual verbiage on said law, Jerry, and I need to do that. But his point was that it’s only on public property that they can do that, and maybe that’s – different in certain municipalities and so on. Jerry, this last week I was busy enough I did not go look any of that up. I was under the impression that they can write one anywhere.
SPEAKER 03 :
Well, I don’t know about any other jurisdictions, but in Greeley, yeah, it doesn’t matter whether it’s private or public. Okay. I also wanted to ask, last week you mentioned how you like to avoid rolling down your side glass if you can avoid it.
SPEAKER 18 :
Yeah, this time of year, absolutely, because I’m very – as you guys all know, I’m very particular. I don’t like scratches in my side windows, and when they get all – crudded up with all the stuff off the road right now no matter what you do that felt strip will still get embedded with some of the road debris and so on jerry so i do my very best to not roll a window down this time of the year i mean even if and i rarely ever go through a drive up anyways but if you were i would roll through and open the door or i would go in i would not roll my window down
SPEAKER 03 :
Well, I’ve got some pretty bad scratching on one of my side windows, and I’ve been doing a little research, and I found that it appears sometimes people can buff that out with cerium oxide.
SPEAKER 18 :
Rarely. Yeah, I mean, and we’ve had even our glass guys on from Novus talking about this, and there’s some product out there, and I’ve had some listeners claim, because I’ve not seen this with my own eyes, claim that you can… Okay. Okay. I don’t care what anybody says. I don’t care what any claim is because I’ve done it. And I’ve tried all of but maybe one product out on the market trying to get some of those scratches out of glass. And people forget that that glass is harder than what you’re trying to use to get it buffed out. And, again, personally speaking, and I know some folks claim you can do it, but I’ve never seen it done. Not with my own two eyes.
SPEAKER 03 :
Okay. Yeah. Maybe I’ll give the Novus folks a call and let them look at it and see if they think it might be feasible. I don’t know if they even offer that service for sure.
SPEAKER 18 :
Well, and I think what they’re going to tell you is, and here’s the reality, side windows aren’t super expensive. And what a lot of them are going to tell you is for the price of the window versus the labor and time and effort it takes to get the scratches out, just put a window in it.
SPEAKER 03 :
I see.
SPEAKER 18 :
And literally they’re going to tell you that because in a lot of cases, Jerry, a side window might be $150 or so is all. And if you look at the labor anymore and what it would take somebody, you know, an hour or two to actually try to buff that side glass out and do all of the work on it and so on, you put a window in it.
SPEAKER 03 :
Right, right.
SPEAKER 18 :
And I’m not exaggerating when I say that.
SPEAKER 04 :
No, that’s true. Mm-hmm.
SPEAKER 18 :
Okay. Makes sense. So, anyways, my rule of thumb, and I know my family at times even thinks I’m the weirdest guy on the planet, but just don’t roll them down when it’s dirty.
SPEAKER 03 :
Yep, sounds good to me.
SPEAKER 18 :
All right, Jerry, appreciate you. And yes, I am. I’m weird. I don’t like those fine scratches. And I also know that really no matter what you do to try to minimize that, about the only thing you can do is wipe that window off first and then roll it down. But if it’s dirty and you roll it down, chances of it getting scratched is very, very high. And it just happens.
SPEAKER 04 :
See, I agree with you totally. All my windows are scratched because as soon as it’s 25 degrees, if it’s sunny, my window’s coming down. I just need the fresh air.
SPEAKER 18 :
And that’s what happens. And, again, if you’re okay with that and you understand what’s going on, then, you know, have at it. More power to you. Just know that. And people think, well, it’s because the new windows are softer than the old ones. No. I mean, you can go look at an old truck. Go look at the side glass on an old truck even, and you’ll find the same thing. Or an old car. You’ll find the same thing that I’m talking about. No, it’s just the fact that those rocks and things get embedded down into the felt that’s on the outside. In fact, what I will tell you is I think it’s worse on newer cars than older cars because the felt is tighter now than it used to be on the old cars. So you’ve got more of a wearable item there than what we used to have. That’s my theory on why some of the new ones are worse than the old ones.
SPEAKER 16 :
We used to break the window regulator when it was frozen, too. Oh, yeah. Things would freeze up.
SPEAKER 18 :
Not as much of a deal, but the tape used to go bad, too, in the old ones. They’d break the tape. The tape would get old and brittle, and the window would be halfway frozen shut, and you’d go to roll it down. It’d break the tape. Yeah, that was very common back in the day. Pros and cons, new and old. All right, we’ve got lines open, guys. Give us a call, 303-477-5600. Question of the day, favorite snow story. Could be driving, could be not, but since it’s snowing out, I thought I’d throw that out there. So if you’ve got a nice story to share with us, let us know. Larry Unger is normally with us today. He is not today, and he said, hey, with the weather and my knee and so on, I said, Larry, it’s all good. If you’re listening, by the way, Larry, thank you so much. I appreciate you and all that you do, and our folks will miss you today. But, no, stay home, stay safe, stay inside. We’ll be right back, though. This is Drive Radio, KLZ 560.
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SPEAKER 18 :
All right, we are back. Steve Horvath with me today again from Geno’s Auto Service. Pat Schneid from Alltech Automotive up in Fort Collins as well. Soren, what is going on this morning, sir?
SPEAKER 08 :
Well, not much. It’s pretty snowy up here.
SPEAKER 18 :
Yeah, I think it’s pretty much everywhere right now. So I think if you’re in our listening audience, maybe some folks way, way east may not be getting quite as much. But this is a pretty big storm, Soren. I think most everybody’s getting something right now.
SPEAKER 08 :
Yeah, the most funny part about it is last night coming home, before everything was slick, the big major road right outside our house, Highway 14, was moving about 10 miles an hour. It’s insane how everybody wants to move really slow when the conditions are not horrible. But when they are, they are.
SPEAKER 18 :
Yeah, I know. Don’t get me started.
SPEAKER 08 :
Yeah, so I figured I’d call in and tell you about that renting a Cybertruck.
SPEAKER 18 :
No, tell us. I’ve never… I mean, I’ve looked at them in parking lots and kind of looked through them, the window. I’ve never been inside of one. I’ve never… That’s one of the few vehicles, Soren, that I’ve never driven. So, yeah, no, give us your feedback.
SPEAKER 08 :
Well, those things are kind of insane. Tesla has fixed their build quality over the years. I mean… It feels pretty good except for the door panels. The door panels feel a little bit junky, but everything else feels about pretty good. That thing was stinking fast. We took it down to Mexico for legal reasons, and it got up to 100 within about a quarter of a mile. Wow. Wow. Wow. Yeah, you hit the gas.
SPEAKER 18 :
That’s fast for as big a vehicle as it is as well. I mean, it’s not a small vehicle at all. It’s big, heavy.
SPEAKER 08 :
Not even a tri-motor. That was a dual motor. Wow.
SPEAKER 18 :
How does it feel driving it, Soren? Does it feel nimble? Does it feel heavy like a truck? I mean, that’s one thing I’ve always wondered. How does that part of it feel?
SPEAKER 08 :
From what I heard, it feels pretty good driving it fast. We rented it from Turo, so you aren’t allowed to drive unless you’re over 25. Okay. But it turns really good. The four-wheel steering really helps on that.
SPEAKER 18 :
Okay.
SPEAKER 08 :
Apparently, it drives a little bit more like a car.
SPEAKER 18 :
I wondered about that. I kind of figured that might be – which, by the way, is good. I’m fine. I mean, nothing worse than driving a truck that feels like a truck. And it’s one of the complaints I have with the older model Toyota Tacomas and 4Runners is literally they drive like a truck even though they’re not. And that’s always been one of my complaints with those vehicles.
SPEAKER 08 :
The most insane thing was autopilot. We used that coming up from Firestone where we rented it. Okay. You know, I-25’s in pretty big construction right now.
SPEAKER 18 :
Right, right.
SPEAKER 08 :
It handled the entire thing just like a normal diver. It caught people slowing down way before we were behind them. It handled it really good.
SPEAKER 18 :
Interesting. That is a testament to their artificial intelligence.
SPEAKER 04 :
Mm-hmm.
SPEAKER 18 :
Yeah, and they’re the lead, as you know, Soren and guys, they’re the leader. Musk is the leader in all of that. Even though he gets some bad raps at times on the autopilot thing, if you think about how many cars he’s got out running around using it and the rarity of somebody actually having a problem, and typically that’s user error at that point, honestly, he’s got that system pretty well dialed in.
SPEAKER 08 :
We had it on standard autopilot mode, and it still executed multiple lane changes to get into the fast lane.
SPEAKER 18 :
Okay.
SPEAKER 08 :
It wanted to get going.
SPEAKER 18 :
What’s the interior space and all of that feel like? I mean, the way the vehicle looks, you’d almost feel like you’re cramped inside, but is it that way, or does it just look that way from the outside?
SPEAKER 08 :
It’s really pretty comfortable in there.
SPEAKER 18 :
Okay. What’s the visibility like looking out of it?
SPEAKER 08 :
It’s insane. You got the world’s longest dash. Visibility, pretty good. But the best part about it is that your front end is just about where the dash ends, so now you know exactly where that is.
SPEAKER 18 :
Okay. All right. Good to know. the configuration where you know it can be an suv or a pickup and the sliding you know tonneau cover and all of that does all of that work well is it still quiet inside when things are closed up i mean given the fact that you can reconfigure it you always wonder you know like the old avalanches is it going to be noisy is it going to be quiet what was that part like it was insanely quiet um but
SPEAKER 08 :
You looked at it. I know you’ve said that EVs are hard on tires.
SPEAKER 18 :
They are.
SPEAKER 08 :
But EVs are hard on tires. This thing had 18,000 miles on it, and the front tires were completely bald.
SPEAKER 18 :
Yeah, they’re hard on tires. A, because of the power, the regenerative braking as well, and they’re heavy. So you kind of combine all that together, and yeah, tires are hard on tires.
SPEAKER 08 :
But also… We never lost traction once.
SPEAKER 18 :
Really?
SPEAKER 08 :
Yeah. On gravel, you hit the gas, it does not lose traction.
SPEAKER 18 :
Interesting. Okay.
SPEAKER 08 :
Good to know. But, yeah, it was an insane experience.
SPEAKER 18 :
charging was pretty fast we stopped at bucky’s um it was pretty easy you just pulled right up pulled out the charger hit the button on the charger okay okay oh so so last question is it worth uh i mean those things i think are down a little bit price wise now because there’s a plethora of inventory but it’s still you know 100k ish truck or so when it’s all said and done worth it or not
SPEAKER 08 :
You can get one right now for $74,000 brand new. Okay. Worth it or not? Okay.
SPEAKER 04 :
I think my new 2025 resolution is to go rent one and have this experience.
SPEAKER 18 :
Yeah. I think that’s one of those vehicles that I would highly suggest. If you think of wanting to buy it, I would do exactly, Soren, what you’ve done and go rent the thing, go enjoy it for two or three days and really see if it’s something that you like before you invest that money in buying it. The one that you drove, was it all stainless or was it wrapped or anything along those lines? No.
SPEAKER 08 :
No, I guess the guy who has it is kind of goofy because it was all stainless except for the front, which was wrapped black.
SPEAKER 18 :
Okay. That was the only weird. Okay. Okay. Interesting.
SPEAKER 08 :
That was a little bit weird. You see it and you’re like, well, okay. Okay. Yeah. Yeah. Okay. All right. Luckily, we did not plant a bomb in it. Yeah. Yeah. Good one. Yeah.
SPEAKER 18 :
Good idea. Not a good idea to do that at all.
SPEAKER 08 :
Also, I would like to get your opinion on what you think of this new Dodge Charger Daytona.
SPEAKER 18 :
Again, I haven’t really had any direct experience with it. I mean, I saw some of the early things they were going to do on the EV side, Challenger-wise and so on at SEMA, but I don’t have any experience with that one, one-on-one. The whole making it sound like a muscle car with the speaker thing and so on, to me, is just the dumbest thing ever. I’m sorry. I think that’s the dumbest thing ever. I mean, it’s an EV, and it’s an EV. If it’s not, it’s not. And trying to make it an EV that sounds like a regular petrol car, to me, is just the dumbest thing ever, Soren.
SPEAKER 04 :
Okay, but devil’s advocate here. This is America. This is capitalism. If there’s a market, if people will buy it.
SPEAKER 18 :
And there probably is, and there’s probably people out there that would enjoy that. To me, that just defeats… I mean, if you’re going to make it fast and quiet and all of that and fine, which I’m guessing it probably will be because EVs are super fast, Soren, just the whole concept to me just doesn’t fit. I’m sorry.
SPEAKER 08 :
Yeah, well, I don’t know. I think the Hyundai Ioniq inline is better. Because they try to make it more like it’s goofy on the inside and don’t project any sounds on the outside.
SPEAKER 18 :
Right. You’re right. Again, if you want an EV, buy an EV. Great. Fine. Have fun. Not against them by any means. If that’s what suits your fancy, more power to you. And I know there’s some great supercars out there that are either EV or a combination of. Great. Good job. Is this going to pan out well for… For Dodge, my prediction on this one, Soren, is this is going to be a flop, but I could be wrong.
SPEAKER 08 :
I have a prediction that there’s going to be an insane lease deal like on the Fiat 500.
SPEAKER 18 :
I think you are probably correct when it’s all said and done. I would not doubt that one at all, Soren.
SPEAKER 08 :
Because I bet there’s going to be thousands of them sitting on locks.
SPEAKER 18 :
I would venture to guess you are correct. Soren, I appreciate you. Thanks for the update, man. That was great. Appreciate that very much. Thank you very much. Kurt Rogers is going to join us in a minute. We’ll get an update on what’s going on in the mortgage world, which, yeah, can affect a lot of you when it comes to driving and different things. So we’ll get him, and he’ll just kind of be standing by here in the background in a few minutes as well. We’ll take a quick break and come back. Don’t forget, lines are open, 303-477-5600, Drive Radio, KLZ 560.
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SPEAKER 18 :
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SPEAKER 06 :
It’s probably pretty wise because those roads get pretty ugly pretty quick.
SPEAKER 18 :
They do. All right, so, Kurt, I know we talked on last Thursday, and this may be something for a lot of folks that are listening right now where these are, in a lot of cases, they’re car guys, and they’re looking at different things, and maybe some of them want to build a shop out back or whatever the case may be, do some remodeling or what have you. and or they may want to buy something brand new, build something brand new. You and I talked about that a little bit Thursday. Walk us through, if somebody’s wanting to build a home, build a shop and so on, what are the steps they have to do to make that happen?
SPEAKER 06 :
If you’re trying to build a home, we mentioned this on Thursday, the first thing to do is own the property. Because if you try to buy the property and the build on the home at the same time, the banks are going to limit your amount of money they’ll loan you is 80% of those two figures. But if you own the land the day before you start to build on the property, they’re going to give you 80% of future value. So the example I used on Thursday was $300,000 for the land, $700,000 for the build. Well, when you put those together, it’s going to appraise out and be taxed at $1.2 million. So now you get 80% of that versus 80% of a million.
SPEAKER 18 :
Okay.
SPEAKER 06 :
So that’s the first step.
SPEAKER 18 :
So first step is find your property, figure out a way to get that bought for, you know, get that all done and handled and, you know, have that in your back pocket if you would, and then start looking at the build side. That’s correct. Okay. That makes total sense. Okay. Okay. What about somebody thinking about, hey, I just want to go put a shop out back, and I know there’s lots of hoops that have to be jumped through when it comes to city approval, county approvals, and so on, but outside of all of that, which somebody has to do on their own, Kurt, how would they fund that? How would they make that happen?
SPEAKER 06 :
You can actually do, they’ve changed some of the financing because of the shortage in houses. They have ADUs, so they’ve got more financing and more accessibility to be able to build another quarters out there, like a garage with a with a bedroom attached or a kitchen attached to it to where if you wanted to rent it out or if you just wanted to build it. The loans are, there’s many more types of loans to be able to get for that. And the counties and their zoning codes are allowing it.
SPEAKER 18 :
Okay. So my suggestion would be, because of everything you just said, Kurt, would be figure out a way to where you could maybe combine the two together. So you end up with maybe some shop space where you can work on your hot rod or whatever you’ve got going on, but then put an ADU in it. as well uh by the way by the time it’s all said and done depending upon what you want to do there you could either use that for you know family that come in and out of town or you could rent that portion out you know there’s all sorts of things you could do after the fact and really make that that that thing even pay for itself if you want to yes what the lenders are doing now is they’re looking more at when you let’s say you want to build that garage so you can house your cars
SPEAKER 06 :
they’re going to look at what does that bring to the value of it. Because there’s more people putting ADUs and extra buildings on their property, there’s easier ways to get comps for that so that it will praise up so that the bank can finance it for you.
SPEAKER 18 :
Okay. So for those of you listening that have thought of doing some of those things, a few steps that I would go through. Number one, sit down and talk to Kurt. Say, okay, here’s where I’m at. Here’s what I’m thinking. Here’s where I live. And to your point, Kurt, even the state, there was a law passed last legislative session, not this one, but the one prior, making ADUs. really overriding in some cases local jurisdiction laws in regards to ADUs. The state’s kind of overriding those saying, yeah, we need more housing. And one of the ways to do that is to have more, you know, ADUs. So there’s been some changes, I guess I could say, Kurt, in that world making ADUs a lot more possible when you might have found three or four years ago it wasn’t. It may very well be today.
SPEAKER 06 :
You bring up a very important point. Almost all subdivisions anymore are now accepting ADUs, and people are looking at them as, well, I can have that extra garage, but I can get somebody to pay for it through an ADU. It’s working out very well because that might be the only way you can get finance for it instead of just building the garage. You put an ADU with it. And the ADU doesn’t need to be, you know, 500, 600 square feet. Yeah, exactly.
SPEAKER 18 :
It doesn’t have to be that large. That’s right, 500 to, you know, depending upon the size you’ve got, 500 to 1,000 feet, you know, one bedroom, one bathroom, you know, kitchenette kind of a thing, whatever. It just depends on how you want to get the thing built out. And some of you are thinking, well, how does that pay? Kurt, minimum rent, and I don’t think I’m exaggerating, minimum rent, probably $1,500 a month plus. Am I wrong in that?
SPEAKER 06 :
No, not at all. When somebody’s renting an ADU, they’re pretty nice units, and people will pay that kind of money, $1,200 to $1,500 a month is not a problem, which subsidizes. the cost of doing the ADU with the garage.
SPEAKER 18 :
Point being, you could very well get somebody else to pay for what you want to do with your quote-unquote shop space. And again, Kurt, as you know, there’s all sorts of folks out there that would help you with the design and the architectural end of things and so on. And yes, I know there’s hoops to jump through with cities and counties and so on. But for a lot of folks, the first thing they’ve got to get figured out is, okay, this is a grandiose idea. How do I pay for it?
SPEAKER 06 :
And that’s where the phone call to me. We can sit down. I kind of give you some ideas and show you some different type of financing. When you’re thinking of building like the garage, I think most men like myself, when I was wanting to put one on my house. I knew exactly what I wanted. The ADU part of it would be something else, but they have prefab ADUs that just come in, plant them, plug them in, and go.
SPEAKER 18 :
Okay.
SPEAKER 06 :
So it saves a lot. Okay, good to know. They’re much cheaper, too.
SPEAKER 18 :
For those of you listening, too, you can call Curt directly, 720-895-0500. Again, 720-895-0500. Now, going back to the car side, Curt, because this is something that we probably haven’t talked about of late, but let me make sure we give folks a reminder. There might be some of you listening. probably younger because you don’t know this and haven’t been through this one of the mistakes kurt that i see people making is they’ve got everything all dialed in they’re ready to get closed on their home but all of a sudden they’re about two weeks from closing and they think it’s a great idea to go buy a new car or a used car even um you shouldn’t do that right kurt
SPEAKER 06 :
Most definitely. You actually should go out and buy anything, even if it’s like a $3,000 refrigerator and put it on a credit card, because it affects too many things. Understand the lenders are going to rerun your credit. 24 hours before it closes. And if they see anything new, they’re going to stop the deal.
SPEAKER 18 :
So, and Kurt, it’s something that I know a lot of times realtors will inform a new buyer of some of these things and so on. But I think sometimes it just sort of falls on deaf ears and they think, oh, that’s okay. I can go buy that new Tahoe before we close on the house in a few days. And reality is, yeah, no, you can’t do that. I mean, you can, but it’s going to affect you buying that house, right?
SPEAKER 06 :
Yeah, I’ve had that actually happen. A guy went out and bought a $50,000 truck the day before it closed. The bank found out about it. We said, time out. We had to figure out a way to redo it, make it work.
SPEAKER 18 :
Because the other thing they do, too, that I think folks forget is they will come back in and check things even a week or two after you’ve closed. Am I correct in that, Kurt?
SPEAKER 06 :
Yeah, they’re going to do a check, yeah, because understand lenders are looking for fraud, and there’s a certain type of customer that’s applying. that they have a tendency to create more fraud. So they’re going to do checks on all the files, an employment check, they’re going to do a credit check, see if you were committed to that prior to. They’re going to do background checks on that just to protect their money.
SPEAKER 18 :
Yeah, point being, guys, believe me, you’re not going to skate by on some of these things. They’re going to be double-checking what’s going on, and if things aren’t quote-unquote kosher, Kurt, they’re going to find out, right?
SPEAKER 06 :
The biggest thing that lenders look for is if you say, I want to buy this property as my primary, and that house is, for example, less money than the home you own. that immediately sends up red flags to the lender that you’re buying it as an investment because most people won’t downsize. Now, if there’s a reason for it, that’s fine. Job move, family.
SPEAKER 18 :
Kids all moved out of the house. You don’t need that much house anymore, et cetera. But I’m guessing even on that, Kurt, they’re looking at your age. I mean, if you’re in your late 50s doing that versus your late 30s doing that, even that probably is an indicator as to what’s going on, or am I wrong?
SPEAKER 06 :
No, you’re dead on, John. Those are things that they look for. So when we ask questions, we’re asking for them for a reason, to make sure that the lender, when they do do the checks, find out that you’re legitimate and what you’re trying to do is what you’re trying to do. You’re not trying to create something.
SPEAKER 18 :
Got it. Makes sense. Kurt, as always, I appreciate it. Thanks for taking time out of your day. And for those of you listening that have any inclination of anything along these lines at all, or you’re just looking at mortgages in general, I will tell you straight up, Kurt’s the guy. Those of you listening that are self-employed, I know I said that Thursday as well, Kurt, but self-employment, guys, we all live in a little different world when you’re self-employed, especially when it comes to folks like you, Kurt, and there are Literally, there are mortgage brokers out there that you tell them you’re self-employed and you’re done. It’s a kiss of death. They’re not working with you.
SPEAKER 06 :
They won’t talk to you.
SPEAKER 18 :
Right. You will. And you’re an expert in it.
SPEAKER 06 :
You’ve done a lot for me. I’m self-employed. Yeah, I will.
SPEAKER 18 :
You’ve done a lot for me. So, Kurt, I appreciate it. Stay warm. And thanks for all you do for us, sir. I do appreciate it greatly.
SPEAKER 06 :
You bet. You do the same. All right, man.
SPEAKER 18 :
Appreciate you very much. Take care. We’ll take a break. We’ll come back. Lines are open. 303-477-5600. Drive Radio, KLZ 560.
SPEAKER 09 :
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SPEAKER 18 :
All right, we are back. Drive Radio, KLZ 560. Appreciate you all joining us. And if you’re out and about, be safe on this snowy day. If you’ve got any questions for us, we have lines open, 303-477-5600, 303-477-5600. Somebody was texting in saying, one of the only times I ever got a mortgage work request, three days before closing, had a mysterious direct deposit into my account. It was a performance bonus that this particular person received. Even though he was putting a lot of money down and so on, they scrutinized the crap out of that. So yeah, they will. So there you go. Even in that case, it wasn’t a purchase. It was a large deposit from his employer. But even that was enough of a red flag on the mortgage end of things to be scrutinizing it, proving our point as to what Kurt said a moment ago. So thank you for that message because it just solidifies everything Kurt said a moment ago. And a lot of you are thinking, okay, what does Kurt have to do with cars and all of that? Well, because it all runs together, folks.
SPEAKER 04 :
Yes, everybody’s looking.
SPEAKER 18 :
And what I said a moment ago about, you know, there’s a lot of folks that will go out and buy a brand-new house or do whatever. They’re going to refi whatever, and then all of a sudden they go out and, you know, decide to buy a car last minute. Yeah, don’t do that. Don’t do that. Don’t do that. You just have screwed everything else up. Now, the other reason why Kurt fits well into all of this, as some of you listening may find, that, hey, you’ve got, you know, you want to buy a classic car you want to do something along those lines or you want to maybe get to a point to where you’re semi-retired and you want to flip some cars but you need some capital to be able to do some of that you can do all of that kirk can show you ways to even use your own home and the equity therein to make some of that happen and that’s how he also fits into what we do here on drive radio because he can assist you with some of those things and for some of you listening he has you know who you are and he’s enabled you to be able to do those things so that’s another thing where where Kirk can help you out with all that. And last but not least, like begets like. There’s a lot of you listening that are self-employed that you know we go through different things in buying homes and getting mortgages than most do. When you’re a W-4 or W-2 employee, I should say, it’s a lot different than when you’re driven off of tax returns and business income and so on, and it changes things dramatically. Even if you’re salaried out of your own company because you’re the owner of, it’s still not the same as having somebody else writing that check that you work for. So yeah, for a lot of you listening, a great resource. Kurt would love to take care of you. 720-895-0500. Okay. Back to Drive Radio. All the things we have going on here, lines are open. If you have a question for us, please let us know. 303-477-5600. Now, as we maybe finish out this first hour, I’ve got somebody from Worldwide Auto coming on at 11 o’clock and talk about some of the cars that they’ve got in inventory and how some of that works and so on. So we’ll talk to them. But before we do that, cold weather driving. Now, we kind of started off the last hour. Bill called in and talked about, or first of this hour, I should say, Bill called in and talked about tires and so on. And I am one, and again, this maybe goes against traditional thinking, but me personally, I’m one of those where if this is the vehicle you need to go A to B, And it has to go A to B no matter what. You’ve got one of those types of jobs where on a day like today, you can’t take off. You have to be out in it. You have to go from A to B, kind of like me coming down here today. There’s just no options. I am one that believes as you head into winter, if your tires are below 50%, buy new tires. Because when you get to that 50% mark, That particular tire, even if it’s a snow type tire, that tire is not going to perform as well, especially on days like today, as a new tire will. So I’m one that says put new tires on it, save the old ones, run them in the summer. You can probably get another couple of summers out of a half worn tire if you’d like. And for the money to swap, it’s still worth doing because the last thing you want on a day like today is to not be able to go where you need to go. Or be stuck or have any other kind of a problem because your tires weren’t good enough. And I can tell you whether you’re driving all-wheel drive, full-wheel drive, front-wheel drive, tires make a huge difference in how that vehicle performs. And I’ve seen a really good, solid, you know, all-wheel drive type vehicle perform. be terrible in the snow because of a set of tires that were on it, versus a not-so-good car in the snow with really good tires on it, do as well as the four-wheel drive or the all-wheel drive that has bad tires. Does that make sense? Makes perfect sense, and I would have to agree with you 100%. Case in point. When we were kids, and I know I’m going back in time and dating myself, I still have my car from high school, 68 Buick Grand Sport, which as I was growing up, going through high school and so on, we ran, and I ran, I should say, studded snow tires on that during the winter months. It had a positive traction rear end, studded snow tires, rear wheel drive. That’s not a front-wheel drive car because those weren’t super popular back then. They were just kind of starting to, you know, in fact, in GM’s world, they didn’t start until 1980 with the, you know, Citations and Skylarks and all that. The X-Body cars were the first. Well, they had Rivieras prior to that, but that was really kind of their first run at a smaller front-wheel drive car was the X-Body cars. Yeah. So, you know, everybody back then, you pretty much drove a rear wheel drive car. So in my case, you know, my dad thought, OK, well, let’s just put some studded snows on it and you’ll be able to get around and do whatever you need to do. And I did. Day like today, would I have been out and about in my old Buick back then? Yeah, and I would have gone anywhere I wanted to, no problem, because the car had the right tires for the conditions and so on, and even though it was rear-wheel drive, you could still pretty much go anywhere you wanted to go in that car. I see people today struggling to go A to B, and I’m looking at their all-wheel drive wondering, why are you having so much problem? Well, the reality is because their tires are probably not adequate for what they’re doing, and I’m not exaggerating on any of that, guys. The tires will make the vehicle.
SPEAKER 04 :
Yep, I think that’s exactly right. It’ll keep you out of a tough spot. And I think, you know, you were asking earlier about the theme for today’s show, your favorite winter driving story, your favorite winter story. So much like you, when I was driving in high school, my mother’s car was a 1977, 1977 Monte Carlo. Very long hood. Coming up to a T in a road, I had to make a choice, left or right. I was going too fast, slid right into the snowbank, and terrified because as I backed out, the headlights weren’t working. I thought, sure enough, I busted out all the headlights. No, they were just packed full of snow. But that’s what you learn if you get out in the car, in the vehicle, in the conditions you’re going to be driving in and practice. And back to your point, then the tires will probably save you in an instant like that.
SPEAKER 18 :
Yeah, I saw, you know, even this morning, again, not trying to, you know, knock anybody driving and so on. Everybody’s kind of doing different speeds, some going super slow, some going… Actually, today, I didn’t see anybody driving super fast. I will give an attaboy to drivers this morning. I came down about 7.30, and the reality is everybody was clipping along at a speed they, you know, should have been driving at, didn’t see anybody driving aggressively or too fast or anything along those lines, even in the HOV lane. There were a couple folks in it, and actually, it was the worst lane to drive in because it had the most snow piled up in it, so… I’m not sure why you’re over there. But anyways, long story short, this morning, most everybody was driving very well. There were a few slow drivers. Now, to their credit, this morning, they were in the right lane. Very good. And they were driving very slow, which you could tell they were probably not used to being in our climate. I’m not trying to stereotype people, but you could just tell that these were people that probably weren’t used to being in our area. Yeah. But to their credit, we’re in the right lane, going very slow, being cautious, and so on. But what I can’t stress enough to folk, and if you’re new to our area especially, yes, tires matter. And it’s not even how much tread is on the tire, which is very important, like I just discussed a moment ago, but the type of tire that you’re running really does make a huge difference in how well that vehicle will perform on days like today.
SPEAKER 04 :
I think the type of tire that you’re running will have, I mean, it will affect the rubber compound, right, is a little bit different. Yes, absolutely. And the siping and the design of the tread and its ability to clear snow and ice from the tread so that you can stick to the road, to your point, those are all important factors.
SPEAKER 18 :
Got a text message in a moment ago. If you’re listening, thank you. Let me know that you hear this, and I won’t text back. Three-year-old Telluride, 30,000 miles on it, was thinking of flushing the transmission fluid and the coolant. Dealer recommends it at 60,000. Just wondering your thoughts on doing it at 30,000. If you want to do it, you can. I’m not going to tell you not to. I would say, though, you really don’t have to do it at 30. I think 60 might be a little high on both of those. I probably would be looking around the 50K mark. Both of these guys are agreeing. So if you’re listening, please let me know. But, yeah, I think you’re a little early at 30. Now, with that being said, are you ever going to hurt anything doing it? No. No. Can you over-maintenance something?
SPEAKER 16 :
Not really.
SPEAKER 18 :
Pretty hard.
SPEAKER 01 :
Pretty hard to do anymore.
SPEAKER 18 :
I mean, because even at 30,000, there’s a certain amount of wearability and things that have happened inside the transmission and so on that, yeah, you would be okay. Coolant-wise, though, I mean, honestly, no. Coolant at three years and 30,000, no, probably don’t need to do anything on that end of things. But, yeah, as far as the rest of it goes… I would be looking at that, and I don’t know how many, let’s see, if you’re doing three-year-old, 30, you’re doing 10 a year. You’re still a couple of years away from really having to probably worry about anything, 18 months to two years out as far as the amount of miles that you drive, unless that changes dramatically and you start driving a lot more, of course. But, no, I think you’re safe at that 50K mark. I’m surprised, actually. Kudos to the dealer. I’m surprised they’re even telling you 60. Most don’t say anything. Right. Most will tell you it’s lifetime. Yeah. Just drive it until it’s 100K and plus and don’t even worry about it. So kudos to the dealer. At least they’re giving you some awareness as to what’s going on. So, all right. We’ve got a lot more to cover. Two more hours left. Myself, Pat Schneidt. Again, Alltech Automotive up in Fort Collins. Steve Horvath, Geno’s Auto Service in Littleton. You can find both these guys, by the way, on our website, drive-radio.com. We’ll come right back, though. This is Drive Radio, KLZ 560.
SPEAKER 13 :
Still haven’t had enough? Go to drive-radio.com, email your questions and comments, download previous programs, and find lots of useful information, including your nearest Colorado Select Auto Care Center. That’s drive-radio.com. Thanks for listening to Drive Radio, sponsored by the member shops of Colorado Select Auto Care Centers. On KLZ 560.
