Thank y'all ripped up that news need advice, so you don't have you come
running. Just as fast as we can. Shoot's gonna help coming, man.
This is the Troubleshooter Show. No Tom Martino, Hi high, Hi
Tom Martino Here three oh three seven one three talk three o three seven one
three eight two five five. Wow, you had an extra day. Today's
Tuesday. We're starting off the show and there should be problems built up or
not. Here's what I want to tell you. If you have a problem
lingering, festering, growing, just starting, now's the time to call.
Don't let look, don't let things get too far. That's the biggest problem
in solving problems, and that's what we do here. We don't just bitch
and moan. We solve if we can. That is, you know,
sometimes quite frankly, it's impossible you've done something wrong, but it's good to
know what you did wrong and then have the right bullets, the right ammunition
going forward to minimize damage or to undo the damage. We've recovered on this
show hundreds of millions of dollars over the years and cash, merchandise exchanges,
refunds, and services. So welcome to the show. What's on your mind
today? Sus is on the phones, Kachina's off. Sus who usually does
loftier administrative duties, is in the trenches today, and sus, Hey,
Tommy, where's Mark home working on projects? Yeah? He's been busy this
springb yep, both business and personal projects, right, lots of both.
Yeah. So I noticed YouTube is not up yet, is it? Yeah,
he's going to get that going here for us. I just want to
let my morons know it's coming at three ozho three seven one three talk three
oh three, seven to one, three eight two five five, don't forget.
You can call three oh three Martino twenty four to seven three oh three
six two seven eight four sixty six. Joel is with me, Doctor Joel
chertact is with me. As you know, they're doing compounded weight loss drugs,
semaglutide, enterzepetide. You may not have heard of truezepetide as much as
semaglutide. It's actually better and works better and doesn't have quite as many side
effects. Even though semaglutide is relatively safe and they're looking they're finding all kinds
of benefits to both of these drugs. For kidney disease and addictions and all
kinds of other side benefits. And of course you're going to also see a
lot of people on the internet saying, don't take it. It's where it's
gonna you know, it's it's the worst thing that ever happened. As with
anything, there's always going to be discussions on the benefits and the disadvantages or
the risks, and uh, Joel's here from time to time to talk about
that. Plus he also has a clinic that does stem cell therapy. So
Joel on the let's just talk about the semiglutide, and there's a tzepetide.
There's controversy. Have you seen some of the the the videos from so called
the health experts saying don't ever take this stuff. He can paralyze your your
your intestinal system or whatever, your gastro intestinal system, your digestive system.
Yeah, and we're not seeing that happen to people, you know. The
most that we're seeing in terms of side effects are some mild gastro intestinal discomfort
some people have. They have two reactions. One is the jamming up the
constipation. The other one is too loose. Why is that, well,
because you're tinkering with the speed at which your body is digesting food and absorbing
sugar and carbs correct So it takes you a week or so, sometimes two
weeks for your body to adjust to the medication. And we always start people
off at a low dose and escalate it up in that first moment. Bottom
line, these drugs simply slow down absorption and make you satisfied longer. Isn't
that the most simplistic way of saying it. That would be the most simplistic
way of saying it. And as a result of doing that, you do
stay satisfied or satiated longer. You do, and you wind up not feeling
the craving of constant snacking or the or feeling that you're not full, which
is the problem that a lot of people have with trying to lose weight,
is that they continuously are not station Now, people who have gotten back to
me who started this say that they have completely and I'm not saying you do
it for this lost they're craving. I don't know if craving is a good
word, because they're not alcoholics, but they might have a drink of wine
here and there, they don't even want it anymore. What is the compulsion
why? But not everyone who wants a glass of wine or a drink now
and then margarite or whatever. They're not alcoholics necessarily, but they say they
don't even want that, not even occasionally. Well, you have to consider,
you know, when you're satiated, your body is triggering the rewards.
A lot of people say that alcohols are craving for sugar. So what it
is is that suppressing the reward the reward cascade in the brain that's associated with
that saciation. So it's gonna apply to food cravings as well as to other
types of cravings and drugs they sew. Some people say it's working to help
addiction. Other people are saying, you know, so anyway, listen.
They do this sema gluetide. That's their main one, because that's the one
most people know about, and compared to the twois, a little cheaper,
but there they have to. They're the lowest anywhere, two hundred and fifty
bucks a month, and they're they're going to be raising the price a little
till like two seventy five, but this week they'll honor the two fifty.
If you call to sign up or inquire, you don't have to sign up
right this week, but you got to get your name down. And yeah,
if they go for the doctor, even if they go online to our
website and fill out their intake paperwork, we'll hold that price for them for
another month. Okay, So you got to fill it out and inquire this
week. And that is UH Denver region dot com. By the way,
if you had to pick one to go on, which one would you do
trius epetide or semaglutide I It depends on how much weight my weight goal is.
I would do trus epetide. Based on what I'm reading. Yeah,
a turs eppetize seems to be a more powerful drug. It seems to have
less side effects, and it seems to work more effectively. It is a
little bit more expensive, but not much more. No, we're talking for
twenty five a month versus two seventy five a month. But there's not much
down side as far as supply. You don't have a problem right now.
No, we can get the drugs. It's starting to get a little bit
tighter, which is why we've had to raise the price. There are a
lot of compounding clinics showing up. There are but we stick with one particular
company that we know has a great product that we know gives good results.
I get offers all the time from other compounding pharmacies that want our business.
We won't go anywhere else because we know that what we supply is very effective
and very safe for people. Larry, what's going on in your life?
Larry? We're talking about a bounce check. What's happening. Yeah. I
just happened to out of the Blood get a check in the mail and it's
been I don't know it's day. So when you say this check, Larry,
is it made out to you? Yeah? Your name and address,
and and is it from a company you recognize? No? You know,
you bring up something really really, it's amazing you're bringing this up because I
was going to talk to Sus about this. I recently got a check and
in fact, I'm going to bring it up right now. This shows up
in the mail, Sus. Oh yeah, listen to this. The Junk
Luggers aka Lug Junk NJLLLC. This is on thirty one Maple Avenue in fair
Haven, New Jersey. They have a phone number here and I do want
to call it. A check shows up for twenty two thousand, five hundred
dollars made out to me. Oh my goodness, yeah, sus it's it's
made out. Actually, I think it's Troubleshoot or network. It might be
me, but there's no explanation whatsoever. Now many times these scams. The
way these scams work is you might get a job somewhere and the check shows
up like this, but it's not from the company you got a job with.
It's from the like this. Let's just say I took a job working
at home doing some scam thing and I don't know what's a scam, and
I get this check and they say this isn't payment for what you've just done.
So then you cash it and then they want you to send some money
back. They say they overpaid you. That's the usual scam. But I
suspect, sus if we call this company, they won't have any idea that
I received a check. What they do is is non hasmant interstate transportation.
And I got a check for twenty two grand. Of course I never cashed
it. But man, anyway, so tell me about your check. Well,
I just got down of the blue. Yeah, tell me, tell
me what it is. What does it say anything at all? No,
not a thing. It's just okay, it's just a check. And how
much is it for? One thousand, three hundred and ten dollars and fifty
eight cents one thousand dollars? Basically okay? And does who is it from?
What company? Arlington LLC, BO, miser, JAC Q, U
E T I MS. Now did you look this company up? No?
Okay, this is I'm wondering why this is happening. Have you been contacted
it all? After the check? When did you get it? It's day
to eleven seventeen of twenty twenty. Mike, Wait, wait of twenty twenty.
My basic question is I deposited in the bank, and then why would
you deposit it though I don't know I had my name on it? Okay,
all right, fine, okay, then what happened? So my question
is the bank never told me in any way, shape or form that it
bounds. I just took the money back out of my account. Can I
come back on the bank for that? No? No, okay, listen,
you you cashed it because your name was on it. Just know this.
If you cash unrecognized checks in the future, here's what happens when that
company gets a copy of that canceled check or the scammer, it will have
your bank account information on it. Now I'm going to tell you something.
Well, when did you actually deposit it? Oh, just a week from
after or last from after? I got it? Well, when was that
back in twenty twenty eleven seventeen of twenty twenty, So, oh my god,
you're just learning about this. Oh no, I've found out they bounced
it back a couple three months later. Okay, okay, so you were
just wondering about it today. I get it. I get it. Yeah.
I don't think you can go back on the bank for it. But
but you're lucky. So nothing weird has happened to your account since then,
right, because they have your account information correct, You're lucky. You're lucky
because the thing I'm telling you is there is a tendency once they have your
routing number and your account number to try to grab money from your account.
So it's good, it's good. It's good that you that you haven't had
an incident. Thanks for calling Larry three oh three seven one three talk seven
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think you're his only customer when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino here, Welcome to the show. Three O
three seven one three talk seven one three eight two five five. All right,
here's someone they here's someone, and they want to know what happens when
I put a car in for restoration and I can't get it back. The
shop is ghosting me, and I suspect they're not doing the work well.
First and foremost, here's the problem, okay, with a lot of these,
whether they're major repairs, restoration, body work, wherever you have to
drop your car off. One of the biggest problems a lot of even legit
Okay, not even, but let's take legit shops first. Legit shops might
have problems with parts, managing money. They're just not good at what they
do as far as the business end, but they have every intention of fixing
the car, and they get just in over their heads. Now I call
it legit in that they don't have an intent to rip you off, but
they pretty much suck because they don't know how to run the business. What
people don't understand is you can get ripped off as much with people that don't
know how to run the business as you can with people who want to rip
you off. That's the problem. Now, let's talk about this, don't
I don't know if I can help you. Now it's already there. We'll
call for you. I got the name here, but don't drop your car
off until you order and get the parts. Now, you have to pay
for the parts sometimes, and if you do, that's okay. If you
verify they're being ordered in your name and then have them shipped to the shop
is fine because if they're for your car, the chances are this guy's not
going to rob Peter to pay Paul with parts. Your parts are for you,
but don't drop it off until the parts are there. I actually had
this where I went to a legit shop locally. It used to be Murray
Body and now it's run by Sonic I believe, or they might just be
still Murray. I don't know. They're a great body shop, and I
went there and ordered the parts that they were very willing to do that,
and then they called me when the parts were there. Now, when they
take it apart or they need more parts, that's something different. But at
least you're ahead of the game. So that's one thing you can do.
Another thing is don't give a lot of money up front, because once that
money's exhausted, it's hard to motivate these people to keep working. Money upfront
is not a good idea ever. And people who say to me will tom
im I'm supposed to trust the consumer. Well, for God's sakes, there's
got to be a balance. I want to hear it from contractors about money
up front because I'm sick and tired of contractors taking money but not applying it
to the job. It's not for you, it's for the job. Linda,
what's going on with your rental deposit? What's happening, Linda Thomas in
regards to my daughter. They lived in an apartment they moved out of in
April twenty three and they never got the deposit demand letter sixty days later.
Is there a cut up? No? No, you said April and it's
only men. No April twenty twenty three. Oh my god. So they
moved out last year and never got their deposit right. And how they found
this out is they applied for a new place to move to and got denied
because this old apartment house reported that they owe money and never paid it.
But when they moved, they put in the they put in the when they
were moving, they had forwarding on their mail. They approove the mail was
being forwarded and they got nothing in the mail with this letter. And when
they contacted the apartment house because of this report a couple last week, the
apartment house forwarded them obviously of demand that was just generated less. Well,
do you know was it backdated the one that they supposedly generated? Yeah?
Are you? And they they claimed the apartment house claims they had mailed it
out. They claimed they mailed it to the apartment address that they moved from,
even though they had the forwarding address. And I get it, but
they say they sent it, yes, but it was never received by USPS
because they get pictures of all of the mail that they receive every day.
Yes, so do I that's good. That's good. Do they have records
of those of their their those emails? Oh, that's excellent. Okay,
Now how much is it? How much is the deposit? How much is
the deposit? It was seven hundred dollars, so trouble would be twenty one
hundred, right, And this is what I would do. Did they have
a copy of their lease? Now, by the way, the lease can
allow for sixty days if there's nothing in the lease, it's by law thirty
days. It was sixty in the lease. Okay, okay, okay.
Then she needs to go to small Claims court for twenty one hundred dollars.
I don't see how she loses well. And the other question I have though,
is this is this is keeping them from moving to a new place because
they're old place. Now, if you're if you're asking, are there a
additional damages? I doubt she's going to get those consequential or subsequential damages.
I don't think she will. But uh, well, they put a deposit
down. They put a deposit down for the new lease, for a new
apartment, and to a fee to hold debt until this came up last week
that they owed this money. So would that deposit be able to be added
to the small claims? Are they going to lose the deposit? Yes,
I would certainly try. Let's put it. Let's put it this way.
The worst that can happen is that the judge turn it down. But they
need to get Please don't just talk about it, do it. I mean,
these people have to do more than just show a demand. Your daughter
has good records of her postal service. And did they say they sent it
to the old apartment or to the new address? Where did they say they
sent it the old apartment? Aggress? Okay? And and your daughter had
all her mail forwarded from that old address. Yes, and she has proof
that she started receiving mail forwarded from that old address to the new one within
like ten days of when they moved out. Oh man, okay, okay,
I don't see. Like I said, you keep in touch with me
because I want to. I want to walk through this with her. Okay,
I want you tell her to go on site, get the small claims
thing downloaded, cite the law, cite her leaves, and then have them
served by an independent party. You got it knocked. Now the question I
have, Yeah, they can't get into the new apartment until this gets removed
off whatever. Well that's not necessarily so. That new apartment could. That
new apartment could do a few things. The new apartment could give him a
break and say, look, I that you have this legal issue. The
new apartment may not want to, but it's not going to be I don't
know what to do. You can't just keep If you're asking, can they
keep racking up damages? No, I don't think they can. No,
But I don't mean that. I'm not asking that. Where were they living?
Here's what I want to know. If they moved out April of last
year, where were they living in Aurora? Okay, but hold on the
place they're living now. They there was a place when they moved out of
there, they moved into a new place, right, yes, And did
they leave that place? No? They're trying to now, but they can't
because it's all okay. Well, then they have to keep living at that
place that they can't be homeless and claim it's that apartment's responsibility. But they're
not doing that. They put in a thirty day or they didn't renew their
lease because they were going to move to a new place. So now they
have to ask the current landlord if they can do a month by month until
this is resultd, which they are. But they can't get into the new
place because the new place won't give them a break and they're stuck at the
old place until they get this lawsuit resolved for these and I don't understand.
If they're in good standing with the current place, why would this place care.
Well, then they're trying to move from the current place to a new
place. I'm asking you, if they are in good standing with their current
landlord, why does the new place care about a previous one. I don't
know, but it is stop well, then then you know what, then
this new place is the problem too. Okay, so you need to include
that deposit. How much deposit did they put down? It was like three
hundred and fifty dollars to do a whole deposit and an application. Okay,
then she needs to include that in her small claims court. And I'm confident.
I'm confident she'll win. And then Mike, Mike, are you a
contractor? Can you for the last forty years? Can you hold on?
Sir? I really would love to talk to someone with your experience, but
I must take this break. So if you can hold on, I will
come right back to you. I'm Tom Martino. Three oh three seven one
three eight two five five. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
an insurance check up free, no obligation. In comparison, call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven seven to one help. You'll think you're his only customer. When
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino
here, Welcome to the show. Now Mike has a comment on money up
front. I have a whole post on this I did socially, getting quite
a reaction, and I just I don't mind paying some money as work begins,
as it goes along. This idea of being ahead of the game only
ends up whenever a consumer is pissed and ripped off, it's usually because they
left money on the table. Go ahead, Mike, what is your comment?
Well, it kind of depends if I have to special order something for
a customer that I can't return. Yeah, you got to pay me for
at least the cost of it. An Mike, I totally agree with you,
Okay, And the same thing. If I was a roofer, I'd
want the money in case those shingles ended up on top and then you decide
you didn't want to go any further. Then you have your shingles and I'm
not out anything, you know what I'm saying. There's nothing wrong with that.
But at the same time, I don't want any labor money ahead because
if I owe you money or time, I have to be nice to you
you want, you want walk away, you want walk away freedom. I
think we should all be kind of even at the end of the week.
If we can help, if we can work it out, well we're in
agreement. Mike. What kind of contracting do you do? I'm a handyman?
Okay, good, I was a contractor, but now I'm too old
and fat, so now I'm a handyman. So what kind of handyman work?
Do you do? Everything except getting on the dang roof? And I
don't do carpet. So how do you work? Mike? Somebody calls you
and you give them, You give them an estimate. Of course I always
go over and look at it. I never give an estimate over the phone.
And do you have a name of your company? Yeah, it's called
d Bear Construction. And that was only a stupid name because my accountant said
you shouldn't have your own name attached to your LLC. So I named it
after my dog. So, Mike, I know you for calling her.
Listen, man, of all the things on our referral list, we get
handyman requests all the time. You should consider it someday. Thanks Mike for
calling three zero three seven to one to three talks seven one, three,
eight, two five five. So Linda has another question or two. Her
daughter rented an apartment left in April of last year, never got a letter
of explanation on why they were keeping the security deposit. Not only are they
keeping it, but they want more money for damages. And of course the
daughter never responded because she says she never got the letter. As a result,
it's impeding her ability to get a new apartment, even though she has
been in an apartment since then. So I don't know how that happened.
So she's currently in an apartment, wants a new one. The new one
says no because the landlord before this one says you owe them money. Go
ahead. What is your additional question, Linda? What part is the credit
or background check? Is it pulling the information from it? There's no jump
judgment against her for this VCS. I have no clue. Oh oh oh,
hold on, There doesn't have to be a judgment. In order to
report negative on your credit bureau or credit report, they simply have to be
a member. So what does a member mean? Well, let's say they
regularly check credit through TransUnion. They become a member. That means that they
can pull credit, but they also are required to report credit. That's how
it works, so they can simply report it. In fact, in fact,
you bring up a good point, Linda. There doesn't have to be
a judgment to have a negative report, and many landlords use that as blackmail.
We've had cha. So this is only a negative report. That's on
the report that's catching the eye. Well, it should be a negative report
and not a judgment, because let me tell you both ways, many landlords
use a negative report as a wedge as blackmail. It's credit blackmail. They
say you ruin the carpet. You say I did not. They it was
like that before. They say, no, it wasn't, and so in
order to collect money from you, they put a mark on your credit.
And therefore, even though they didn't get a judgment, even though it wasn't
proven, it can keep you from renting in the future until you pay.
That's blackmail. The other way it works is this they sometimes claim like they
claim they sent her an explanation. They sometimes claim they served her. It's
called gutter service. It's where they say they served the person but really did
not. As a result, the landlord goes to court or the landlord's attorney
and says, your honor, they didn't show up. Then they get a
default judgment. So it could be a default judgment if it's really a scummy
landlord, but as a result of sewer service. Either way, it's on
our credit report. Most likely it's not gutter service and a default judgment,
because gutter service and a default judgment usually you gotta be really sleazy to do
that, and you have to have a sleazy attorney too. Okay, thank
you, that's I just wanted to get you. Just call me back when
you find if you need more information, Okay, I'll be happy to help
you. Three zho three seven one three talk three oh three seven one three
eight two five five. Now Dwayne needs advice on a roof replacement. Dwayne,
what is it? Yes, this is Dwayne. Yes, Dwayne,
what do you need? Well? I found out, Well, I knew
that I had an older roof, like I think fourteen years old, getting
to be in that twenty year range. So I've been thinking about needing and
we get hail and Colorado springs all of time, like the front range.
So I had a gentleman show up at my door Saturday, which I let
him do a inspection. I didn't sign anything good, just want him check.
And he said, yes, we have haill damage and it should be
covered by insurance. And then I had another company come out just today and
they said the same thing, and I didn't sign anything. What companies were
they? Hold on? I want to come back to you, let me,
let me take this break. This is You're at a very crucial point,
Dwayne. I want to make sure you make the right choices and I'll
save you trouble. I promise you coming right up. Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three all three nine two zero sixteen twenty two.
Yeah, Susan, are we up on YouTube yet? Anyway? I know,
I know, But if we're up on YouTube, we're streaming and you
see my shirt New York Yankees. Here's the deal. Okay, it looks
nice on your time. Huh said, it looks nice on you. Now.
The reason I use this here is because it brings back great memories.
Let me just tell you, growing up in New York as a kid,
it was so arrogant of us, but we didn't even realize it. This
is the question we would ask each other as we approached baseball season. God's
honest truth. Now listen to what we would ask, who will the Yankees
be playing in the World Series at the beginning of the baseball year? I
mean, how many years did we go to the World Series? My god?
But I remember that and all of those wonderful players and they were great
to the kids. And anyway, all right, let's go back. Dwain
needs advice on a roof replacement, Dwayne, go ahead, Sorry, go
ahead, yes, sir, Hi tom so heil damage. Here's what I
want to know. What when did they say the hell happened? The first
contractor was listing like last year, June twenty first, is what? Okay?
Where they came up with the storm? Do any of these want you
to sign anything? I haven't the first one wanted to be assigned something was
just what he assessed, went up with the roof and looked. I said,
I wouldn't sign it. I'd talk to he'd give me a call.
Okay, what's the name of that roofer, Premiere, and then tell me
about the second roofer. Second one just shook pame this morning. Who is
it? Ian? Christine? And okay, now there's only two roofers I
want you to call. And I'm telling you, Dwane, if you call
these two roofers, in my opinion, in my opinion, there's one hundred
percent chance you will love the experience and not experience any kind. Well,
I know you won't. You're not going to get ripped off, okay,
because they're solid. You call Petrolley Roofing or you call Excel Roofing. Okay,
I have appointments for PETROLLI to come out at nine o'clock tomorrow morning.
So that's and just sign the contract with him. You know what I'm telling
you. You can trust O'Malley in the gang. Just don't even think about
it, Okay, I'm serious. Now, whatever you can do, you
can do what they say. That's how confident I am of these people.
I'm Tom Martino three O three seven to one three talk seven one three eight
two five five. If you're on the phone, stand the phone, I
will get to you. We also have doctor Joel Chrudacht with us from Denver
Region dot com. So any of your questions give us a call. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Please time for an insurance check up free,
no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven to seven to one help. You'll
think you're his only customer when you choose Frank Durand the real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Ripped News need a vessel you don't have? Run a cam
shooter is gonna help? Come man, This is the Troubleshooter Show. No
Tom Martino, Hi, Tom Martino here three oh three seven three top three
oh three seven one three eight two five five. This hour brought to you
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the service now, like for example, a toilet they'll do a service,
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need more than the twenty eight bucks, meaning more than that one service,
if there is a problem, they credit you the twenty eight bucks, but
there's no obligation. Eight eight eight Heating dot com the risk free service fee
from a company we know and trust three all three seven seven zero two seven
seven six. So welcome to the show, folks. Let's go to the
phones and see what we can do for you. Okay, I have doctor
Joel Trudek with US two from Denver Regent dot com. If you're looking for
weight loss drugs that are compounded, no shortages and way lower prices. Okay,
Jennifer has a shout out. Let's go to that one. Jennifer,
what what are you doing? What are you doing? Jennifer? Hey,
I'm doing well. We just moved into new house. And am I the
only one who can can hardly hear her? Am I the only one guys.
I could hear her. Tom, okay, good, go ahead there,
yeah, go ahead right now, I can hear you there, go
ahead, okay. I use your referrals as often as I can. And
yeah, I had some great service from Steve the painter. He redid our
deck last year and the stain failed. We waited until the spring to have
it redone because he couldn't. He was real busy during the fall and we
had to get our house on the market and get pictures taken. Yeah,
by a couple of days ago, and he was so busy, but he
and his wife and his daughter out I think two days ago. I'm losing
track of time. Yeah, I did the whole thing in one day.
And it was just great just to have follow through on their work. Isn't
it nice to have a company this stands behind their work absolutely? You know.
I have a funny story about him. Thank you Jennifer for calling.
So I texted him, gave him hell about my front door. Say,
man, you just did this door and it's already showing somewhere and he says,
what, I never did your door, And I remember that now.
He came and did my stucco and he did garage doors but never did my
front door. But it was a funny story because I sent him a text
saying, what the heck's going on, Steve, and he says, wait
a minute, I never did your door. All right? Three oh three
seven one three talk. Larry wants to talk about a bounced check. He
got a check in the mail. I don't know why he's back. I
thought we finished it. But he got a check in the mail for a
thousand bucks from a company he did not recognize, and then he deposited it,
then it bounced, and he's upset about it. So I told him
there's nothing he can do about his bank. His bank didn't do anything wrong.
In fact, cashing a check you're not really sure of is kind of
weird. So anyway, what happened, Larry? Why are you calling back?
Sir? Well, I'm not really upset about it. My basic question
is how can the bank take money out of somebody who's account and simply not
inform them that they did so? Okay, technically or not technically, it
would be nice, obviously they should let you know. They should say,
by the way, this instrument failed and we and we took it out.
Okay, that's the way it used to be. Nowadays they don't do that
anymore, and I'll tell you why, because they figure you have online access
and you have statements that you check monthly or weekly or daily whatever, and
they don't do it anymore. They just don't. Everything is electronic and they
don't do it. Now. I want to give you the pure sense of
what you asked. How can they take money out of your account? The
real substance is you never really put money in your account. Nothing you deposit
is yours until they are verified funds. Otherwise you could make that argument for
anything. Any kind of check you deposit, your bank is not responsible for
that. If you deposit bad instruments, they give many times what's called provisional
credit, meaning after a few days they give you access to the money.
But it is provisional credit, and unless it goes through the tire ach process
or the automated clearinghouse process, it's not a permanent credit or debit. So
it you know, we may not like it, but there's nothing illegal about
it that I know of. Thank you, and I listen. I know
what you're saying, but really, Larry, and again I am not you
know, trying to call you out on this, but it was kind of
reckless to deposit a check you did not recognize it's It could almost be fraudulent.
Did you know that? Even though it's in your name? Now,
no one could ever get you on fraud ever. But what if you had
bogus companies writing you checks all the time to try to see how many get
through, or let's say you did it on that other companies. I'm not
saying you did Dwayne. I'm just excuse me, not Dwayne Larry. I'm
not saying you did it. I'm just saying that it's weird. It's a
weird practice. We never you know. That's why when I got this twenty
two thousand dollars check from this jug thing, I never even thought about cashing
it. Well maybe for a split second too, but when I thought about
cashing it, not to keep the money, but to think what will happen?
That's what I thought, you know, what will happen? And of
course I didn't do it. Three oh three, seven to one to three
Talk Steve has a super U issue. Hello Steve, what's going on with
your Good morning roue? Yeah, good morning Tom. Thanks. Thirty eight
years I've been listening, and I never thought i'd have to do. Man.
I really seriously, Steve, I truly appreciate that. I really do.
Go ahead, Man, go ahead. It was great. So I
don't know. I want to. I want to. I'm at a very
crucial point involving a brand new Subaru outback, and I want to make sure
I do the right thing. When did you get the super Ru? Yeah,
I'm not quite at the lemon law problem yet, but I will be.
When did you buy it from? I'm in Cold of Springs. I
purchased it on April twenty second of this year, okay four. Just about
three weeks after that, I developed an oil leak and I took it back
to Huburger. Unbelievable. They couldn't believe it either. Brand new. How
bad is the oil leak? Yeah? Bad? Two hundred and ninety two
miles and they're doing a major engine repair. They have to. They said
they had to drop the entire engine to get to this leak. They've not
seen it on anything on these newer models. Where is the leak coming from?
Let me, I don't totally understand. It's called the cam carrier top
of the cylinder, the housing around the drive shaft, there's a silicon seal
and it's leaking oil. So they got to remove the entire engine and then
put it back in. So they couldn't believe it either. And they even
recommended getting hold of Sugar Ru America, which I did called filed a report.
Of course, it was just starting into the holidays, so I didn't
hear anything bad. Yeah, but but what I'm asking is this, what
about it? I mean you you're they're doing exactly what they're supposed to do,
and that is repair it. Well, true, I don't want this
car back and why but why Well, they have to replace it. Now
they're saying they're going to put a different engine in it, a long block
instead of the one that was in it. And wait, wait a minute,
what was in it? A short block? I don't know, I
have no c Well, no, a long block simply means they're putting in
the whole engine, right, That's what I think they mean. That's what
they mean. I think when they say short and long, I think what
they mean is they're they're doing an entire replacement. Okay, so I'm not
at the point yet where they've offered anything to me. What I'm afraid of
Well they they wait wait, they just said, they said to you they're
putting in a new engine basically, right, Okay, go ahead. I'm
not sad. What would take it are with a different engine? I mean,
can I ask you something. It's not a different engine. It's a
manufacturer's engine. It's a super U engine. I don't understand it. And
listen, I know what you're saying. You're thinking, in a perfect world,
they shouldn't have to do it now. Warranties are made for imperfect worlds,
and we agree when we buy the car that it's warrantied now if they
refuse to do it properly. I like that they're doing the whole engine rather
than sealing it. I like that. Okay, gotcha. In other words,
I think, and I don't mean, this is not a put down.
I think Steve, this is more of a psychological thing. You thinking,
Wait a minute, I just bought a brand new car, and now
the entire engine has to be replaced. I know what you're thinking, but
there are probably there's probably a better chance at that engine built specifically as a
as an engine, or the long block is going to be probably better.
I don't know. In other words, you now have a record that you
had a bad engine. They put a new one in. I don't understand
why you think getting another car would be better, Tom, What happens in
five or seven years when I go to trade it in and that's that's on
the that's on the list showing nothing. So I didn't warranty work. It
wasn't a crash, it wasn't an accident, gotcha, no, lie I
had do you know? Do you know something? This is the truth.
I had the same exact thing happened years ago. I bought a subar ru
I think it was. It was some kind of wagon, maybe I'm thinking
Forrester. I don't remember what the name was. And it was turboed and
I don't know why. But the engine went out, literally went out,
and I had about six thousand miles on it, and they put a brand
new engine in it. I remember, it is yours turbot, it is,
yes, you know what. I wonder how often that happened? Seriously,
Anyway, mine did not have an oil leak. Mine just went out.
It just over redded one time and just I don't know, it just
didn't run. And then they had to take it in and replace the engine.
It happened after I went to a car wash. Maybe the kid in
the car wash over rebbed it. I don't know what happened, but they
covered it. Are you thinking you're going to have less of a car?
I don't understand the point you're making. And did you ask them for a
car? Did you say I'd rather have a new car. I'm at that
point with them. They finally call me today from Super America and I said,
that's an alternative that I'm looking at. Well, what did they?
They just said, we need to do some more inspections. He still hadn't
contacted the dealers. Well, who knows, who knows? They may they
may do it. I'm just saying that what makes you feel do you feel
like the luck of the draw that if you get a new one, it's
not going to have any problems? Right? Right? And chances are it
won't. But I think with it? Are you thinking with a new engine
now that you screwed with it all, it's going to somehow be different.
Yes, Okay, I get exactly how you feel. I would not feel
that way if it's an excellent shop, but it is. It is an
excellent shop. It's in color of spring Schuberger. You know I'm going to
tell you another thing. Sometimes, on an individual installation of an engine after
market, the you know, same manufacturer's engine, but done after it's sold,
after it's on the road, can actually be better than a factory installed.
But again that's up to you. Here's my here's the bottom line.
I don't think you can demand a new car. I don't think you have
the right under any laws I know to ask for a new engine, excuse
me, a new car that But let me know how it goes and see
what they say. Three oh three seven one three eight two five five.
Welcome to the show. Listen to this, folks, Listen to this.
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renew home Innovations dot com. So, uh, we have some questions,
Doctor chold that your Joel chert Ak's with Denverregen dot com. Let me open
up his mic hear and get on this wide shot. And we're talking about
somebody wants to know about the pills Semiglue tide. They don't like shots.
I think they're a little whoosy whisses. Well, uh, just a little
bit about the oral compounds. So the oral compounds, you have to take
them. They have to go through your digestive track, which which means that
your stomach acid's going to eat them up what we call the bioavailability or your
bodice. But you still get some glue tide. You still get somebody's far
less effective than the injectables, which is why we don't sell them. We
don't offer them to patients because they're really not efficacious. They don't get the
job done, and so patients are welcome to try them with other clinics.
It's just not something that we're willing to offer because it just doesn't do the
trick. Somebody also wants to know what's the difference between semiglutide and urs epetide,
because I talk about both of them. So turs eppetite is a little
bit more of a specific drugs and it's a bit stronger. Uh. The
best way to describe it is that it targets the satiation center, is a
little bit better than cemeglotide does. It has a little less side effects,
and it works more, It works more quickly. That being said, cemeglotide
works great for a lot of patients. Uh What happens sometimes with cemeglatide is
occasionally we'll have patients that plateau or patients that it doesn't work as effectively as
we would like it to, and then we'll recommend the urs epetide, and
almost invariably, the turs epetide gets the job done in terms of the patient's
goals for weight loss all right, and as far as the uh aailibility,
both are equally available right now. Yes, you know, as everybody knows,
there's a high to these drugs. So they're starting to see shortages on
the compounding side as well. But as of now, we can get them.
We're not not having any where do they come from? Where does where?
Do you know where they could Where these compounds come from? How do
they how do they make them? Well, the pharmacy that we work with,
the compounding pharmacy, is down in Texas and they get all of their
precursors from FDA. Approof what I mean is what is some of gluetite?
What is it? I mean, where does it come from? Humans?
From animals? Where does it? I mean, I'm just curious, do
you know it's it's a synthetic peptide. So what they do is all proteins
are made up of amino acids and amino acid strings a lot of that,
and these are proteins that do everything in their body. In your body,
their hormones basically. And so what this does, it's a short chain amino
acid. It mimics the hormone in your body. It's a hormone called glucagon.
So people have heard of g LP one, that's glucagon like protein.
That's the type of drugs that it is. Glucagon is the protein that your
body produces to tell yourself that you're satiated. So it just mimics the satiation
protein in your body, causing your body to feel like you're fault. Okay,
So the reason I asked where it's from, somebody, somebody on YouTube
was talking about what it was. So I forget what they said, but
they were they were talking about where they get it from. I'm talking about
the semigluetide itself, Like how do they make the drug? Like what do
they make it from? What is semaglutide? Like do they They obviously don't
harvest it from people, right, just like just like hormones are not taken
from people. You know, they're bioidentical hormones, either from plants or from
animals or something. Right, And the same with insulin and all of that.
So do you know how I mean, if you don't know, that's
fine. I just wondered because someone was talking about it. Anyway, do
you I can tell you what it is? So what it is is,
you know, if you're familiar with an amino a, what an amino acid
is. An amino acid is the basic building block of a protein. So
many many amino acids together create a protein. If you have just a short
chain of amino acids, it's called a peptide. And that's what this is.
It's a peptide. And these peptides are they exist in your body.
Your body produces them in their signals. They're like hormone signals, all right.
So when I get some of glutide or trzepetide or whatever I get through
the compounding pharmacy or through you or through anything, where is it coming from?
I mean, it's like, where is the sequence made? You know,
I'm not exactly why. I don't know either, And that's why I'm
curious. Because someone said it came from. I forget what they said.
I'm trying to find it right now as I'm typing here. But they were
trying to The argument they were making is it comes from I don't know,
animals or something. No, it's synthetically put together. Okay, So you
have the individual amino acids. I don't know exactly how the chemical process works
to string them together. Uh, but it's the same way that they make
insulin. Now, okay, here's what I just looked this up here.
It says glutamine, nocetol, which is an alcohol, sugar, glutamine,
and special enzymes and peptides are all put together to form semic glutide. Right,
So basically, they take the amino the individual amino acids, and they
put them into a string, a short trained string, which is a peptide.
And that's what this is. And by the way, if you guys
have any questions about this or any weight loss, give us a call three
oh three, seven to one to three talks seven one three, eight two
five five or problems, questions and complaints. Now, I have a lot
of important consumer updates as well coming up, and I want you to stay
tuned for that. Let me see We also have, of course, a
discussion on this is a big discussion coming up on intellectual property and AI because
this is causing unbelievable problems when it comes to likenesses. Now we're talking about
likenesses like what people look like. How much of that can be protected?
Like if you look the way you look, it's not patented, it's not
trademarked, it's it's even different than the name. So how can they stop
someone from doing that. We're gonna talk about that and more coming up on
The Troubleshooter Show three oh three seven one three Talks seven one three eight two
five five. Don't forget waterpros dot net the best water systems at the lowest
prices, bar none, drinking water all you can drink at the kitchen sing
fourteen hundred bucks fully installed water Pros three oh three eight sixty two five five
five four. Go with a sure thing Denver's best roofer Excel roofing dot com.
You don't pay a cent until you're content. Time for an insurance check
up free no obligation comparison call Compass insurance paying too much your coverage at dozens
of insurance companies. Find out now three oh three seven seven to one.
Help you'll think you're his only customer when you choose Frank durand the real estate
man dot Com to list your home with Remax Alliance three oh three nine two
zero sixteen twenty two. Tom Martino, you're troubleshooter three o three seven one
three Tom three oh three seven one three eight two five five. So we've
heard about actual inflation, but do we know really how it's affecting us now?
The top states, the top states for inflation when it comes to groceries,
where do you think? Hey, I don't understand. This is a
wide mixture of states, and I don't understand the the array. I just
don't understand. There's no rhyme or reason in this array. But Mississippi,
Hawaii, and Kansas, for example, pretty high rates of inflation for groceries,
followed by West Virginia, Kentucky, and Maine. Then Montana, Oregon,
New Mexico, Wyoming. I don't get it. I just don't get
it. Now. When it comes to actual inflation items, the number one
item affected by inflation. If you had to take a guess, sus,
when you're when have you grocery shop now? And then, and I don't
mean that as I just mean when you grocery shop, have you noticed any
one item that is affected most by inflation? I have a list here of
the things affected the most. It seems like eggs have gone out. Why,
that's exactly right? So why is that that there? Do you know
that they're up fifty percent? That's a lot? Holy crust? Do you
know that beef forty flour thirty six percent? Now sugar and substitutes which we
shouldn't be carrying so much right now? Now? Hold on, beef roast
forty percent, beef steaks thirty two percent, but sugar thirty four point nine,
so thirty five percent? Carbonated drinks which you don't drink at all?
You guys, really, we don't know and I don't either anymore? Right,
did you notice I don't drink it when I come to the station because
you guys have it there. But I have stopped completely any carbonated drinks.
I don't have any. And let's see fruit salads now, butter and margarine
up thirty percent. But I just can't believe how badly beef and eggs and
flour, wow, sugar? Yeah? Oh, anyway, in general,
it's all supermarkets items, all grocery items are up in general about twenty five
percent when you average everything out, that is one tremendous increase in what people
are spending. Holy crap. Three oh three seven to one three talk seven
one three eight two five five. Now, as far as the stock market,
you know, people are saying the stock market it's great. Other people
say it's all to other people say this, it's that. Well, you
know what, it has been great, no matter how you look at it.
But there is something called a risk sentiment gauge, whether people are willing
to take risk or not, and it's different than it's different than consumer confidence.
Consumer confidence is a really important gauge for regular people, meaning for all
of us, how do we feel about the economy? And consumer com evidence
is not that bad right now. But the risk sentiment gauge, they say,
really gives you more insight because it really surveys and looks at the habits
of investors, people who are actively investing, and if they're willing to take
a risk on things, it shows more positive outlook. And right now there's
two things they're willing to take a risk on, which says they don't believe
in the economy. Those two things. The ten year treasury bill, why
because they don't believe in the insecurity of a risk investment. So treasuries are
usually no risk, whether it's the tea bill, the note, or you
know, the notes or the bills. The first of all, you have
the shortest duration is the t bill, and then you have the note,
and then after that you have the bills or yeah, that's the way it
is, and then you have tips, which are the inflation protected bonds.
But to make a long story short, when people start flocking toward those instruments,
it tells you that they're feeling a little wary about the economy. Another
thing that tells you that they're going toward gold. So when people go toward
gold and government securities, it's telling you they don't feel good now, even
though you know the normal consumer may not see this. Right now, that's
where the investments are going. But as far as not taking risks, they're
not taking risks. Mostly if this makes sense, or the least risk is
being taken on oil. People have no clue what oil is going to do
next. Is the S and P five hundred believe it or not, They
don't want to take a lot of risks on that they're not taking flyers.
They're investing mostly in solid stocks. The Nasdaq is also off when it comes
to risk and the US dollar. So if you look into the investing habits
right now, it's looking like people are pessimistic, yet the stock market keeps
going up. So it's a very weird time right now. There are no
fundamentals that are responsible for what the market's doing. Nothing. It is all
consumer sentiment. But when it comes to investor sentiment, even though some of
them, many of them are flocking away from investing in stock, the stock
market still seems strong. And that could be because what some people call the
odd lot theory. That theory is when people don't know what to do,
a lot of unsophisticated investors will do the wrong thing. And that's what they're
saying. Could be the reason for the stock market going up so much is
that you have a lot of unsophisticated investors flooding the market, where the more
sophisticated ones are going more toward securities, no risk, low risk, and
commodities like gold. We have more coming up on the Troubleshooter Show, Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up free, no
obligation. In comparison, call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven seven to one. Help.
You'll think you're his only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three oh
three seven one three talk seven one three eight two five five. Welcome to
the show, and we're here to solve your problems, answer your questions,
and take your complaints of any kind. And after a long holiday, many
times we have a lot of complaints. Let me go to the uh,
let me go to this. Okay, what does it cost? Somebody wants
to know for tur Zeppetide fifty units. Well that's a hard thing. And
for those listening, fifty units is one injection. And if you take four
injections a month, okay, four injections a month, you get four or
the supply they give you, and each injection is fifty units, So I'm
gonna do this real quick, and you get four a month. So so
for their supply, you get twelve injections at what price? Hold on there?
You go go ahead basically to do the math, that would be anywhere
between ten to twelve weeks. I'm just saying so so I can do that.
Just so, how much is monthly? Is this Churs eppetite or kiss
me? How much every twelve weeks? Is four hundred and something? Or
how much is it a month or what? How does it work for woods
drunk, Churs eppetite or Churs appetite. It's four to twenty five a month,
So for twenty five and then another half of that for the for the
duration, right is that what? No? No, it's so for three
months. That's what it is for twenty five times three okay, so that's
what times three divided by twelve. Okay, we'll give you your weekly price,
okay, okay, so one hundred and six bucks a week, yes,
for per injection? Yeah? Okay? Yeah, all right, So
but I don't I don't understand why somebody wants a price it per injection.
Well, because some clinics do that and they ask their patients to come in
once a week for an injection. We don't do that. We give you
your own supply, and you're able to do that yourself. And we don't
charge by the week. We charge monthly for a three month supply. All
right, three oh three seven one three talks seven one three eight two five
five. Now on Consumer News again, we have a lot happening and there
are things you need to know about. Do you know? This is what
I find insane. They took everything we have, our keys, our cell
phones, everything we have on our body. What do you think came back
with the most dangerous bacteria? Give me a guess, Joel, give me
a guess, sus, What do you think? I would say, your
phone? No, I would think so too, because here's what I noticed.
One time I take my phone and put it down places, sometimes on
the on the sink in the restroom, when I'm washing my hands, when
i'm you know, you know whatever, and then you pick up your cell
phone. You don't realize it's being contaminating. That's true, it is.
It's very contaminating. TV remote will tell you. Tom Han, TV remote
oh, this is something you carry around in the public and then we'll talk
about it. I'm going to tell you money and it wha. Actually this
doesn't include money in this study. Hah, weird. We don't use money
anymore. What are you telling you? We don't know so much. I'm
going to tell you the number one thing with dangerous bacteria coming up. Go
with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up free, no
obligation. In comparison, call Compass Insurance paying too much your cover at dozens
of insurance companies find out now three all three seven seven one help. You'll
think you're his only customer when you choose Frank durand the Real estate Man dot
com to list your home with Remax Alliance three all three nine two zero sixteen
twenty two. Yeah. Rit News need advis so you don't have the come
running just as fast as we can. Shooter's gonna help. Come man.
This is the Troubleshooter Show. No Tom Martino time, Tom Martino here.
Welcome to the show. Three oh three seven one three talk is our number
or three all three Martino, and you can call that twenty four to seven,
leave a message, we'll get back to you, or you can come
right live on the studio when we're on the air three oh three Martino three
O three sixty two seven eight four sixty six. This hour brought to you
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Now, but here's the deal. If they do find something wrong,
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question about anything, ever, when it comes to any kind of loss leader
or deals for any company, no matter who it is, what you should
do is basically get a second opinion or ride or ride it for a while.
I mean, unless something is urgent and you don't have poison spewing into
your home, or when it comes to your water heater you don't have leaking,
and you don't have big problems, then take it one step at a
time, for all home services, for all mechanical issues, for all problems.
Anyway. That's that's my little two cents there now, Steve, welcome,
appreciate you calling, and anyone else who wants to call give us a
call right now. Three oh three seven one three talk seven one three eight
two five five he wants to talk about an HOA, Go ahead, Steve,
Well, thanks for taking our call. Sir. We have lived in
this home about the seven years and four and a half years ago, we
wrote a detailed letter to our HOA about their property that's adjacent to our backyard.
We gave them pictures, showed them plants that had died. It's just
gotten worse last eighteen months where a sizable portion of our backyard. We've lost
about ten plants. And if the erosion of their property are they just totally
not maintaining it all this time. It's been four and a half years.
They have not changed it at all. In four and a half years.
It's got quite a slope and it drained straight into our sideyard and then last
year during the heavy rainstorms, it contributed to helping flood our basement. Okay,
so it's really have you talked to the neighbors. Well, the Ahoa
is our neighbor in this case, they own the piece of property adjacent to
us. Wait a minute, Wait a minute, So it is not a
residence. I know it's hoa property, but when you say, ha property,
is it a swimming pool? Is it a clubhouse? Is it?
What? What is it? Common area? What is it? It's just
a piece of dirt, open space. So it's common uncommon area. Yeah,
it's uncommon You no one uses it? Really? Okay? So okay,
so it's the ho's property, which means part of your property. What's
going on again? Like, what like what are they doing about it anything?
I mean you would think they'd want to fix it, right? Well
you think so? Again, we tried a few years ago, and then
we just tried again about ninety days ago. We asked them to come out
and look at it, and it was getting so bad they brought out a
landscaping company. The landscaping company thought that, you know, during the discussion
it needed to be repaired. But when it went to the board meeting,
this last is your house the only one? Is your house the only one
affected by this it is? And what specifically did you have an expert look
at it? Like, is anyone telling you specifically what's wrong with it?
It's just poorly grated. We started, Is there grass? What's on it
right now? Is it dirt? What is it? You know? I
think at one time it was just weed and so forth, But because of
the size of the slope, it's just erode it into nothing but a large
swaths of dirt and so nothing's holding back to dirt from pouring onto our property.
Okay, did you know that you could go to the county about that?
You know, I did that actually, and the county came out and
sent several emails, and uh, once the HOA got involved, they said
it was their private property. But the county did believe that it needed to
be regraded and now several of years ago. Why why is the HUA just
resistant? Do you have an active board? Do you have a man management
company? We do have a management company, and I don't know if the
board is active and knowledgeable, but well, what do you do? They
have meetings? Does the HUA board have meetings? They do? I believe
it every other month. I went to a meeting four and a half years
ago, gave him my rule. That's not going to help you obviously,
have to go again. There's probably even different officers, and you're gonna have
to threaten legal action. I don't know what else to do, man,
I mean, we can call them for you. But has of all the
problems we handle, hoas are the worst because no one cares. If there's
no one person who is the HOA, so no one cares about any part
of it any There's not one HOA that I know of where people care.
They they say they care, but they don't. They all care about certain
things. No one cares that as a community. The management companies, especially
you don't care. Management companies simply want to keep the HA quiet and peaceful
so they can collect their fees. That no one no one and I mean,
no one wants to address HA issues, No one, they don't.
There's they that the officers want to avoid it, and the management company wants
to avoid it. It's the sheer nature of the operation. So what you
have to do is upset the status quote. You literally have to upset the
status quote. Now, one of the unfortunate things is that if you had
an attorney write a letter to the HA threatening legal action if they continue to
damage your property, you're going to have to show damages and all that,
of course, but then if they respond with an attorney, it comes out
of the HA. So you're going to be paying for part, paying for
fighting you. What they should do. What they should do is say,
instead of hiring attorney and fighting you, they should say, what can we
do to correct the situation? But again, they don't act. They react,
so honest to God, I'm not just pointing us out to you.
It's just the nature of the beast. No one cares. No one does.
And frankly, when the people are on the board who think they care,
they get discouraged too because they suddenly find out that no one cares.
And so they're thinking, well, I'm on the board and none of the
members care, so we don't care. I mean, they may have brought
it up with each other and they don't want to spend the money. It's
just the weirdest thing in the world. Some you know, here's the thing.
Who's your management company? What's the name of them? It's Canterbury Crossley
is the Homeowners' Association. The management company is a local company downtown Parker.
Have you ever gone in to visit the management company? Actually, I've talked
to the head of the management company and also he sent out a management person
about three months ago, and what did they say. You know, they
said they would take it to the board. They had the landscape company come
out here and meet them. And during those discussion, I was fairly encouraged
because the management or the landscape company, what happens. What happened basically on
Monday night, they met and they decided that they're not going to do anything.
Okay, that's what we got to man. Then then they aren't ignoring
you. You got your answer. They're not going to do anything. And
by the way, that is exactly what's supposed to happen. They're supposed to
talk to an expert. Then they're supposed to meet amongst themselves and make a
decision. And so they are handling this. They have decided it is not
an issue they hand unfortunately for us. But that's not what I heard during
the meeting with the landscape company. He could see all the damage being done.
Yeah, but they decided not to do anything right right, Well,
they have a choice. They can do that. I'm not saying it's right,
by the way. I hope you don't hear me saying that. But
what I'm saying is you live under their rules and they say, now there
is no problem. Now you disagree. But when you disagree and they don't
agree with your disagreement, that's why it's a disagreement. You have to take
it to an outside arbiter. And if either arbitration, if that's what you
assigned up for, or you sue them. There is no other answer.
They've already handled it. I thought they weren't handling it. We were going
to call and try to light a fire under and to look at it.
They've already looked at it. Now you can use in your lawsuit. You
can use the landscaper. What did the landscaper say it would take to fix
it? How much did you find out? He never gave us the price.
He just talked about how he would go about fixing the issue. Get
a price. You're gonna before you do anything. You need a damage And
your insurance company did they subrogate against the HOA when your flooding happened. You
know, we ended up doing most of the cleanup, and then all we
had to do was replace about a twelve x twelve piece of carpet for four
hundred bucks. Okay, well, then you're lucky. What you ought to
do right now is get a price on what it would take to correct that
drainage, a real solid price. Then your attorney presents to the HOA the
choice of paying that and getting it done or being sued. It's, unfortunately
what you have to do. And then you know and then and then you
can stay in touch with us each step of the way. But sometimes it
sounds like a pain in the Assteve. But it's something that once you start
might just they might just have enough common sense to say, let's fix it.
Like what if it's only going to take five thousand dollars to fix it?
I don't know. I would call the landscaper and see if they'll,
if he'll give you an idea of how much, all right? And then
when you always put here's the quickest way to a solution. You present a
problem and then a solution. And if you present just the problem and the
solution is wide open, they don't like it. So give me a call
back and let me know what happens. Three oh three seven one three talk
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Tom Martino here three h three seven to one to three talk three all three
seven to one three eight two five five. We have Compass Insurance Group with
us, and my goodness, we've had a lot of insurance calls. And
now I'm going to go some text messages about insurance. And somebody said,
Tom, you were going to talk about increases, but you didn't talk about
it yet. Why. Okay, I know what you're gonna say, losses,
But does that go for auto and home and everything and around the country,
Brian, we're talking about around the country. Okay, we're not just
talking Colorado. So let's talk about what's going on around the country. Why
why why insurance is going crazy? Well, I mean if obviously, if
we're talking about auto, yeah, let's okay, let's take one at a
time, whatever you want to do. A big reason for the increases in
auto is also the increased cost of the vehicles that we're driving. So I
mean, just look at what the cost of vehicles are. They're going up,
and the more and more they're becoming like computers, a small fender bender
is costing substantially more now today than Okay, I can buy that, So
that's going to have an effect on your insurance rates. It's going to go
up, you know. And I know we're talking across the country. Uh,
obviously in Colorado we have added elements to that that is causing our rates
to go up even more. Guys, there's one word for this, and
you both know what it is. Inflation. Bidenomics. Do you think so,
Mark? Really? I mean, what do you think Brian not been
getting but our current economic client. I don't know if that if that is
it, I don't know. I know it's not COVID anymore, is it?
What is it? Well, I I'm going off of with Colorado.
If you're there was actually an article and I wish I would have pulled it
up in Denver posts just uh maybe a month ago, a couple months ago,
talking about how Colorado rates have just gone nuts here, Okay, so
that's not bidenomics. Colorado. Colorado. Colorado has had more hail losses to
vehicles. They're number two in the entire country, right behind Texas. So
they've had more losses as a result of hail than any other state in the
country other than Texas. So you're going to see that that's going to have
an effect on your rate as well. So in Colorado it's higher than the
country. And how about the thirty five percent of people that aren't even covered
with auto insurance in the state of Colorado and the sixty percent plus that are
actually undercovered. How about, if we change right, are not covered at
all? Which, Mark, you're exactly right. Another piece to what you're
seeing your where you're seeing your rates go up is on the uninsured motorists.
Right, So far, so far in twenty twenty four, the number one,
New York has the highest rates. Florida is number two, Louisiana is
number three, Colorado's four. Wow, yeah, number four in the top
five. Oh my god. And that's because ours can be tied to hail
damage. That's pail damage is and fires. Let's not forget fire, but
not cars though, Mark, We're not talking to houses now, but cars.
Yeah. Yeah, And then okay, what about homes? What about
homes? Well, home insurance still are we number five? Are we?
I just saw the thing that said number four underneath auto insurance. I'm not
sure about home insurance. What where are rates compared to the entire nation.
But I guarantee you it's it's up there. It's up there, and costs
it's not going to be as much as Florida. Okay, we're gonna find
out in a second year. I'm asking Professor Bying. So really, Oklahoma,
Kansas, Nebraska, guess what Florida, Colorado, there there, there
we are And that's all because of weather. That's all hail and tornadoes.
And in Mark's right, there is fire, but fire is even though it
dominates the news a lot of times. And there are places that are hard
to get insurance period. What drives the said Colorado is one of those.
Yeah, what drives the rates in Colorado for home insurance too is hail.
Hail is what they say here in Colorado. Wildfires and hale are the two
biggest ones. Yep, wildfires and hal now in Florida. Hurricanes in Nebraska.
Hmm, it says similar to Kansas and Kansas is basically they don't give
a specific it must just be weathered. Well yeah, I mean you think
of tornadoes, tornadoes are isolated. I know that what tornadoes offense to me.
I don't understand tornadoes because they're isolated, although they do devastating damage right
hit and then Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're
all they're all right up there and and they're they're a close top five by
the way, So it's it's a tough business. How does this make your
your business difficult right now? Well, people are getting pissed off and you
got to find them a deal. But you can't find them a deal three
or three seven to one three talk. By the way, if you guys
have a problem question, complain or you have an insurance issue, go ahead.
Yeah. The biggest struggle we have right now is that there's a lot
of carriers that have really made it clear they don't want to grow in Colorado
right now. A lot of them have shut down business. They won't even
take new business. So we have customers that will call or we'll reach out
to them at renewal and say, listen, here's your rate. We couldn't
look at other options, but it might cause a higher deductible. We need
an insurance pool. At some point where they're talking about takes over. They're
talking about it but specifically for the fire risk areas, and they but it's
a very limited amount of coverage, and it's it's only covering fire, so
you still have to have insurance. Well you also have that for hail companies
start pulling out, you would have to. Yeah. I don't see Colorado
having some kind of pool together for hail damage. What I see. I
see hailproof roofs as being the only standard. Yeah. Yeah, like Mark,
you have that roof there wa right, it it hail and just absolutely
nothing happens to it. Your your roof can can take the impact? Yeah,
and I is that right roof can't take it. It's catastrophic, That's
what I mean. Yeah, yours, And I'm just wondering if more and
more people are going to go to that kind of roof. And mine's in
essence heals prop too when you talk tile stone. Yeah, Well, the
problem with the hail proof stuff is most people aren't going to come out of
pocket like my roof would have been, I don't know, seventy eighty thousand
for a normal class four. This stuff is double in more so, so,
I mean, most people aren't going to pay for that. It's a
problem. Brian, No, you're right, but if because it for that,
but if it gets to the point where you're paying for your own roof.
In the case of a loss, you're going to do things to Mark
where it's not going to happen as frequently. So, Mark, what is
the So the upgrade on that was basically double Yeah, it's a little more
than double. Wow. And now what do they say about premium? Did
you save? Did you could you calculate that? Well, the premium doesn't.
The reason the reason it changes is because you up the deductible. That's
why very high deductible they don't just because they do, though you get a
reward for it. But Mark, you're right, the bulk of your savings
is going to be the fact that you don't care if you take a twenty
thousand deductible anymore because your roof can hold up to this catastrophe. Specifically for
Hale. Is when I'm talking when in hail deductible, you can raise that
up because you're not worried about that loss. I say this to people that
have concrete tile roofs, I say, you know you have the investment already
in the roof. I would take advantage of that, get your premium lowered
because the chance of you having we do we see and that's because of the
the hail proofness if the that'st word of the roof. All right, let's
go to Bry or deductible by the way of the barrels? Are these both?
No? I want to go to Brian with the homeowners insurance question.
First, go ahead, Brian, how are you? Hey? What's happening?
Hey? So, what we're doing is we are going to be building
some modular homes. Now, what I'm wondering is when we get them built
and they're in transport, how are we going to ensure that? All right?
Hold on, I mean, that's a great question. We're gonna because
I I that's weird. That's weird. We'll we'll look it up. We'll
talk about it. Coming up three oh three, seven to one three talk
that. Brian's next, then Brian another, Brian is after that, and
then we have Brian Burns with us from Compass Insurance GRIPT Brian Day. Yeah,
I'm Tom Martine. Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay us until you're content. Time for an insurance
check up, free, no obligation. In comparison, call Compass insurance paying
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three seven seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here
three oh three seven one three talk three oh three seven one three eight two
five five. So back to Brian. He had a question. He's building
a home, manufactured home while it's being transported. I want to ask an
obvious question. Does the transport company have insurance? Well, and it's usually
who is owner the owner of the house. Usually they don't. You don't
take ownership until it rerives that you're I don't know, like your land.
Like Brian, explain that to us. You're gonna have a transported you bought
it from a company. Do they ensure it until it's set up? But
we will be the company and we will be shipping them. Now what do
you mean you will be Oh, wait, you are building, you're in
the business of building manufactured homes. Well, we're not quite yet, but
we're getting pretty close. And it's kind of really Now, hold on,
do you have a factory or starting Uh, essentially, yeah, we're we're
getting the numbers right now, so we're gonna we're gonna try to start start
building some manufactured home. How are you going to do it? Are you
going to do like two pieces? Four pieces? How are you going to
do it? Actually, these are gonna be two stories and they're gonna be
three pieces. Very cool man, that's what gave me the idea to do
this. Well, it's kind of weird because I talked to you about it
before when we were building sheds and we were we were training the sheds over
the houses, so it's sort of morphed into this. Okay, so do
you have your first design? I do, and I'm actually talking with I'm
getting some architecturals right now. We've got to get some structural details, but
other than that, we'll be ready to go. And we've found some properties
that are decently priced to where people can afford them. So we're the only
problem with the building. The only problem with building it in pieces like that
is you have to have you have to have actually more structured than you would
if you built it on site because some of the things you can keep in
common you can't do while transporting. But right, right, but let me
ask you this. Do you have a transport company? No, but we
will be will be supplying transport or no. I understand that, But have
you talked What I'm getting at is this. Have you talked to transport companies?
No, talking like APEX or someone we have not? Well, I
would do that first, so you're not redundant. Many of these transport companies
have already tackled this. But Brian's too. Yeah. One thing that we
have to do is we're going to be building the main structure on the actual
trailer. Why on what trailer? So on Goose Neck trailer will be But
why why would you do that? Let me ask you? And then how
do you get it off that trailer? When you get it to the house.
You crane it. Yeah, we're going to crane it. But why
build it on the I'm just curious. I'm not I don't know anything about
this, but why would you do it on there? Is it just easy?
Is it just one less step? Then? Is that what you're thinking?
Exactly? So you don't have to get a crane out there to lift
it onto the trailer. Okay, well that's pretty cool. If you got
the trailer sitting right next to it, you might as well build it on
it. No, I mean that's a very good idea. Yeah, yeah,
yeah. So well, as the builder, you're you're going to have
to have an insurance policy. Yeah, you'll have to get an insurance policy,
which we'll have the commercial general liability and property and all that. But
the transport is going to be a special animal. Well, but it's going
to be part of his because he's going to be regularly doing this. So
he's going to just make sure that he has the coverage to protect him up
to a certain dollar limit of whatever. Or he's protected up to the point
that it's hooked to that transport company and they might take over, no,
no doubt. If he can get the transport company to actually take on the
responsibility, great, If not, he just needs to make sure that his
policy will extend. Now. You know, I've often said this, Brian,
that building stuff under strict controls, if you have an environment of strict
controls, if you're not just stick building it anyway, you're just doing it
off site. I mean, but if you're doing it to certain standards and
jigs and all of that, you can actually turn out better quality than stick
built on site. Sure, well, we have to we have to abide
by the IRC rules you know anyway, So hurt for HUD or any of
that. So we're yeah, but you want to go beyond that. I'm
talking about going beyond that anyway. So are they going to be what price
like? Like? Are they going to be considered medium kind of homes?
Higher end homes, fancy homes? What basic homes? So they're not We're
going to, like I said, we're going to try to keep them as
affordable as we can so people here in Colorado can't actually buy them because it's
almost impossible. Now what price point? What price point do you have?
We're trying to stay within two fifty to two eighty two fifty to two seventy
five. So if you stay to two seventy five, would that include transport?
That's a three bedroom that's going to be complete? Is that okay?
That's on site? Yes, on their foundation, So we're not going to
be doing foundations. We're going to put these units on case on so that
we don't have all what if they have a foundation, will you put it
on their foundation. If they want to put a foundation in, Yeah,
we can absolutely put on so whatever they want to do. So, if
they're looking at two seventy five to the site and then you set it up
and they have a foundation, dirt work, and lot, then they're looking
at a complete package of five or six hundred probably we're going to try to
stay under that five or six hundred thousand? Is that what you're saying?
Well, here, okay, two seventy five for you, the foundation is
going to be a minimum of twenty five grand it's or more, yeah,
minim. Then then you have the lot, which is going to be two
to fifty if it's If it's a lot that's going to allow them to have
that right, No am I am I exaggerating? I don't think so.
No, that's but we're looking at properties that are more in the twelve thousand
dollars range. What fees that are are twenty five thousand. So you're you're
talking about like maybe half acre, quarter acres, Yeah, you know down
in Peblo, Colorado. Ste No, no, no, now I know
what you mean. Okay, so you could keep that package to three point
fifty oh yeah, easily huh, that would be high. Now would you
include the lot or will people call you with their own lot and their own
dirt work? Well, well, that's that's what we're doing. We're sort
of doing a spec to start. We're going to do it all ourselves,
figure out, you know, all of the everything incorporated into it for pricing,
and we're going to go from there. But we're going to try to
stay under two seventy five. What name are you giving the company? So
it's going to be called Cubic Hose. Yeah, okay, all right,
Hey, keep in touch with us. I'd like to know how it goes.
I love entrepreneurialism. I love it. Sure, I appreciate it,
all right, And so bottom line, as Brian said, there will be
general liability insurance and a certain amount up to a point. They may or
may not cover transport unless you include that, but you may not have to
if you call a transport company and they've already done this before and have the
insurance. We got more coming right up. Michael wants to talk about a
car accident. Brian wants to talk about the other Brian's social security and we'll
have that right after this. Go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage
at dozens of insurance companies find out now three all three seven seven one help.
You'll think you're his only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance three all three nine two
zero sixteen twenty two. Sir, Hi, Tom Martino, you're a troubleshooter.
Three oh three seven one three talk three oh three seven one three eight
two five five. Welcome to the show, and let's talk now to Mike
to Brian of our Social Security Brian, you have a question, Go ahead,
Brian, I'll go on, Tom good Man, what's happening? Okay.
I'm attempting to record a death with my mother in law, so I
called Social Security because I'm still getting medical federal benefits. She passed away in
December, and I've been trying to call Social Security, but all I get
is a recorded line saying you gotta wait on hold. He stead stay on
hold. For hour and a half and then finally it gets to a point
where you say to leave your name and number and we'll call you back because
of done forcine call volume. So you're trying to she's still getting Social Security?
Correct? Have you been keeping that money in an account? Yes?
Good? In a savings account account? Good. I just don't know.
I mean, do I take off a company because they're going to eventually when
they find out, they're going to claw it back anyway, So what should
you do? I would if I were you? First of about your mother
in law? So who's the legal representative of your wife? My wife?
Yeah, she needs to make an appointment with Social Security, probably because it's
hell on the phone, it really is. It just sucks, Okay,
I mean has she tried to do that and not? Well, she recently
had to make an appointment for GMV because that's the only way you can get
in there get a new license. So she'll have to. Yeah, I'll
have to set her up for that and see when exactly they can come see
her. Now, another thing on the same item, the healthcare facility that
she was at, the assistant care where she passed away at. We've been
trying to get an itemized statement of what the last month charges were, because
it's different than what she was typically paying. What do you mean how much
off is it? Well, it's about seven hundred dollars. She paid seven
hundred more than she was normally paying. That's what they're asking for. They're
asking for twenty three hundred, but she normally pays about fourteen to fifteen hundred
for What is this for a month or what one month? Correct? Well,
it's because of unless she died perfectly, she has notice required and they'll
charge you per diem. Okay, Although I'm trying to get a hold of
them. I've left multiple messages at the accounting department and we even got a
live person one and they said, oh yeah, well, we'll boss an
information very unlikely that she died perfectly on thirty days notice. Sometimes it's sixty
days notice. Hold on, though I have information on reporting at death as
well. We'll come back to you. And also Michael wants to know about
an auto accident. Hang on, I'm Tom Martine more coming up on the
Troubleshooter Show. Go with a Sure Thing, Denver's Best Rufer excel roofing dot
com. You don't pay a cent until you're content, Leave on time for
an insurance check up free, no obligation comparison call Compass Insurance. Pay too
much your coverage at dozens of insurance companies. Find out now three oh three
seven seven to one help. You'll think you're his only customer when you choose
Frank durand the real estate Man dot com to list your home with Remax Alliance
three oh three nine two zero sixteen twenty two. Ripped of news, need
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Shooter's gonna help. Come man, This is the Troubleshooter Show. Now Tom
Martino, Hi, Tom Martino Here three O three seven one three talks seven
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semiglue tide and tersepetide for weight loss. Let's talk to Esther. She has
a tiny homes advice or she wants advice on tiny homes. That's a new
trend of course in around the country, smaller homes, tiny homes that are
really really kind of cool. Anyway, go ahead, Esther, what did
you want to know about? I just don't know where to try. And
to be honest, I mean, we've got we went and checked out a
n r V, A r V what do you call it? A park
in mantras and mantras. I'm like, oh my gosh, I'm not from
Colorado. I grew up in the San Francisco Bay area. Mantres is funny.
I was like blown away by oh, oh, it's absolutely beautiful and
there tell your ride. It's just beautiful. Yeah. Right, So,
but I didn't like the park. You know, the park was like it
was like a place you'd go for a vacation. Now, are you talking
about these tiny homes that are in r V parks that look kind of like
long and narrow, and they're like they're pine or they're like they look like
little log cabins. Well, they could be there. There, there's several
there's several terms that are thrown out there for tiny I've done some research,
right, like there's what a park model is what we were looking at,
and it's it's like a like a menu factured. Yeah, that's yeah,
that's a little different than a tiny home. It's a manufactured home on a
frame and it's set up in a semi permanent basis in a park. And
is the exterior kind of like a wood it, Yeah, I think it
is. You're right, Yeah, they look kind of like little log cabins
exactly exactly. They can make they make them all in different They're beauty there,
they're they're kind of some of them are really beautiful. They have some
up in sues. You've seen some of those up in Breckinridge right where where
you we used to go and you go Tiger Run. Now, they were
always called chalets. I'm yeah, they call them different things. They call
them different things, yeah, right, exactly. And so we've got some
names of some you know, like manufacture. But I'm like you know,
the one that's that we were talking looking at is out of Goshen, Indiana,
And I'm like, what is it called? You know, I don't
know. It's called gosh, it's k n O p F. But is
c U pronounced quat k r O p s. But it's spelled ky n
No, no, k k N I mean yeah, yeah, k k
r O p S and peter F. Oh okay, yeah, now listen
here here's what I want to know though, and this is important. This
Park Model Home. I've seen them before. These are really kind of cute.
And are you thinking about buying one directly and putting it on your own
land? What we're thinking about is buying one and putting it on a friend
who said that we can put it onto land. Oh hold on, but
okay that I don't want to get into all that. That could be complicated,
course, because if you have a falling out, you've got to go
move it. So what is your question about the Craft Model? Yeah,
I'm just I just don't I have no I mean, everything you look on
the internet of course about them, they're gonna it's gonna be good. No,
no, no, they're they're good. No, they're definitely good quality.
They're good quality. Your problem isn't for what you're getting. How much
do they want for it? It's one hundred and thirty thousand, Yeah,
they're they're excellent quality. Okay, for for God's sakes, it's like a
luxurious motor home, and the motor homes would go for twice or three times
that or more. I don't think you have a problem with the actual manufacturer
of this home and the price. The reason there's so reasonably priced is it's
done under it's it's a manufacturer home, and it's done under controlled circumstances.
And they're very good quality. They have very they have very good ratings.
The problem isn't with the home. The problem, listen carefully, will be
with the transportation, the setup, and the land. Be very careful.
There are all kinds of restrictions you have to worry about when it comes to
when it comes to transporting them, when it comes to setting them up,
and who will allow them. They're beautiful homes. They're like a big motor
home without the motor home. Yeah, yeah, they are. And you're
right, I mean, that's that's really where where we're at now. Because
my now the friend that says you can set them up on. How good
of a friend is this? She's incredible, she's got such a giving heart,
and I know she's you know, now, does she live on this
land or is it going to be exclusively for you? But no, she
lives on the limbs. She's getting married this fall, so she's going to
be I don't really know. I think that when you sell property, I
guess, can't you put a contingency that so and so can so say on
the property? You know what I'm saying. Not really No, I mean
you can, but I mean you'd have to subdivide it. Of course you
could always do that, but I need to know this though. This is
where the danger signs come up for me. If first of all, what
size lot does she have that she says you can put the house on it.
Oh, it's it's over. It's like an acre and a half about
she's had an RV on her property before you're consuer. How would that work
on that? That's what I'm getting at, exactly, Yeah, you're right,
that's exactly what we need. Does she have Here's what we have to
ask. Does she have first of all a home on that property? Yes?
She does. Is it in a municipality, It is in a it's
county, it's unincorporated, it's what county? Yeah? What county? Okay.
Now you have to see a mobile home is sometimes allowed to be there
because if somebody lives there, they can have a mobile home there. She's
not a mobile home. A motor home there a whole. A manufactured house
is completely different. You never want to spend one hundred and thirty thousand dollars
and find out that this home is not allowed to be there. And that
is what my fear is. What you're really doing is you're doubling the occupancy
of that lot. Now does she have neighbors? She does. Well,
you have to see if covenance and zoning and building on all of those ordinances
will accept that home there on a permanent basis. Otherwise you could be screwed.
And the other thing is this, if she sells her house, you
don't necessarily get to write in there that someone else can stay on there and
still sell that house. And if she runs into that problem, she may
have to say to you, I can't sell my house. I thought I
could, but you're going to have to leave or you get a new owner
who's on there, and the next thing they do is try to get you
off of there. There's too many contingencies. I would rather you buy your
own lot to put this house on. You know. That's but even then,
when you buy your own lot, it must be a lot that allows
these kinds of homes. Not many lots allow these kinds of homes. That's
why they're called park models, because they're usually made for parks. Right right,
right now, I get what you're saying, and they're not made now.
There are some mining claims you can buy. There are some big acreage
lots you can buy where people don't care what you put on them, and
then you could buy it and put this up. But as Sue said,
you still have to worry about sewer and water and electricity. Yes, yes,
and all these things we've considered. That's what this is. What's like
sticking with my husband. He doesn't want to. She's kind of like on
the fence about it, because are those three things? You're absolutely right.
My friend said that, you know, her property is so secluded that,
I mean, you couldn't really see from the road. She said, why,
father asked telling their charney, I'm like, well, my god,
because ones they did it doesn't matter how secluded. Once they find out about
it. The last thing in the world you want is for someone to tell
you to move. Yes, yeah, I mean after you set it all
up. Also, do they have septic and water? What do they have?
Where would you hook up septic and water? She has a septic system,
But how much will it cost to dig over to it to tap in?
And is it big enough to accommodate both? And will the state allow
you to do it? There are state laws regarding septic systems as to how
many people can be on it. Oh really, I didn't. Yes,
yes, there are there health department rules, which means, listen, you
can't just go set up something because someone says you can. There are rules
and regulations and water. What about water, whether you have to dig a
well? No, No, I'm I forget what you told me about the
water now, I mean it sounds still it sounds still planned to me.
I don't mean to burst your bubble, I really ure. No, I'm
glad. I'm glad you're killing you because this is exactly you are framing,
exactly what my husband's thoughts were. He wasn't able to put it to you.
But you're right, these are a lot of things I need, we
need to consider. Otherwise, you're making a one hundred and thirty thousand dollars
investment and you got a problem because you have nowhere to put it. That's
why they're usually set up in mobile home parks and RV parks. Now,
you said you didn't like the park, but are there is there a park
you do like where you can put it? You know what? The part
that I looked at, I'm not sure they have any space, but I
could go back and ask. But yeah, no, you're right. Now
there might be you And even if you find your own land, don't put
money down on land or buy it until you know that they will accommodate these
homes because these are these are considered modular or mobile homes, and a lot
of people do not like them. They do not like them. Yeah,
yes, you're right. I think they're darling, but I think they deserve
a place. Now, keep another thing in mind, Ester, More and
more communities are opening up to the idea of more than one abode on a
lot. For example, all over the country, they're trying to cure homelessness
or make more affordable housing by allowing people to do this. But until those
laws go through, you can't assume you can do it. You must,
Okay, check all of the laws first before putting before investing in this.
Okay. You know. Another thing people you might want to consider is buying
a conventional lot in a subdivision. What is your budget, By the way,
it's below to two hundred thousand. It's going to be very difficult to
get a home for under two hundred with a lot. Do not buy a
house. Do not buy a house for one thirty And then think, on
the goodness of a friend's heart, you're going to be able to put it
there. Why not just ask that friend to sell her your to buy her
house? Yeah? She if she is her house paid for? Do you
know? Oh, you know, you're brilliant, you really are. She
may she may sell you. She may sell you that house for a deal
where you can put some money down and make payments to her. She may
even own her finance where she can have payments coming in. I'm just saying
I don't want to see you get into trouble. Oh my gosh, you
are so smart. I did, yeah, because she was trying to figure
out what to do with the house. She's marrying someone who's got who's very
wealthy, and they so rather than put a house on there, you got
a house already, the house is legal. You can buy that house,
or rent that or lease the house. You can lease it with the option
to buy. That would be way safer than buying a house and hoping you
can piggyback on the lot. That's what I would do. So, so
try it and if you need any any more information, let us know for
sure. Kevin's got a comment, Kevin, what is your comment? Sir?
What is your comment? Well? I worked at the s Word one
time selling insurance the State Farm, and we tried to ensure those kind of
people with those homes. If they couldn't get mailed delivered there, they couldn't
get insurance. Wow. Well, that's a good point. These are not
really considered homes. They're not like I don't think they're HUT approved. I
think they're literally like a stationary motor home almost they really are. But I
think that parks are set up for them. Parks are set up for them.
In fact, if I was going to go to a mobile home park,
I'd rather have one of these than a mobile home. They're different,
They're totally different, and they're better quality. We have more coming up on
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three oh three nine two zero sixteen twenty two. Hi Tom Martino here at
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have a text and but by the way, we have lines open at three
O three seven one three talks seven one three eight two five five. Uh,
Tom, last month, my aunt had two checks written and she's putting
her out going mailbox with the little red flag that goes up. You see,
that tells the male person that you have people, you have mail going
out, and she had checks there. Most people know when you put the
red flag up, you have checks. They took the checks. Somebody took
the checks out of the outgoing mail, wipe them clean and made them out
to themselves. Warn older people primarily not to put mail in their box for
the mail mean to pick up, especially checks. And that's true because people
are on the lookout for outgoing mail, knowing or thinking that it might be
bills you're paying. They can take those checks and reroute them to themselves.
It's easy to what's called wash a check and to put another person on there
or not even that. They can literally just take the check and sometimes cash
it. That's how little some of these banks pay attention. This is another
question tom It says, tom or Mark is Mark around SEUs. He's not
okay, because I'm sure he'd have something to say about this. Tom or
Mark, I have a question. Why do people blame Biden for inflation?
That's interesting, that's very interesting. Why and here's why presidents are blamed for
inflation when the president and Congress are not just you know, Senate, I
mean Senate and representatives both collectively known as Congress, but or their lawmakers and
the president. They're only I shouldn't say only, but they're responsible for fiscal
budgets and spending. And the monetary functions are the Fed and the Treasury.
But Biden and his teams, or what they call the administration, they're in
charge of the fiscal policies and that's budget and spending. Also, this loan
forgiveness and all of this is all part of of you know, the presidency,
right, the executive orders and stuff. So when a president, any
president, I'm not saying Biden, but any president, increases spending and they
increase these money supplied by forgiving debt or that kind of thing, it adds
to inflation. You can't just put you can't just put a lot of government
money into the system with government spending and not have an impact on inflation.
So what Biden and his people did and what a lot of presidents do.
Again, I'm not trying to make this a political thing, but you ask,
how can Biden be blamed? Let's just put it this way. How
can a president be blamed. Not just a president, but a president and
his supporters his administration can be blamed for inflation by their policies, their physical
policy. You know, they don't do the discount rates and the FED and
all that the money supplied directly, but when they increase spending and put more
money into circulation, you have more money in general, causing inflation. That
that's the way inflation is caused. Another way is by forgiving debt and doing
that kind of thing, so people, that's how inflation begins. And then
it's fueled further by the cost of money being cheaper than it should be,
and then that grows, and that's where the FED comes in and tries to
They try to quell the inflation by raising rates to try to slow it down.
So you had Biden on one end, listen, doing what he called
inflation reduction by actually increasing spending. He did just the opposite of what you
should do. Everyone knew the Inflation Reduction Act would not reduce inflation. They
just gave it a name. I mean, it's so stupid to call it
an inflation reduction Act and you actually increase spending is so contrary to logic.
But he was allowed to get away with it. But I'm not saying it's
because I don't like the guy, although you know, I have my own
thoughts on him. I think his policies are crazy comes to the economy.
Now, other people would argue that he's done great and that it was Trump's
policies in the beginning that led to this, But again everyone does that everyone.
If you're in office as a president and things are not going great,
you blame. You blame the previous administration. If things go great, you
take credit, and then the next president will do exactly the same. They
will never ever ever take blame. Have you ever once ever heard of president
ever take blame ever? I want to know if you have. I heard
one president come close to taking blame. Do you know who that was?
Well, he didn't actually even take it personally, but he did in a
way. He said, we all have to tighten our belts. And who
wasn't Carter? Jimmy That's exactly right. And you know what, Joel,
people didn't like Jimmy Carter for that. They didn't like him because they thought
he was pessimistic, he didn't lie to him. In fact, he was
one of the most honest presidents we ever had in our lives. Yeah,
and he didn't last because of it. Isn't that weird, It's very very
weird. He was a very good he's still alive, right, he's a
good man, just hanging on. He's barely hanging in person. The good
people. Just about how good people don't make good presidents. No, they
just don't. And and then of course, you know, then you had
president. A lot of people thought Reagan was honest, just a good,
honest man who knows, I mean, as honest as an actor from California
career. But but if you think about who we have had as presidents and
who've made good impacts, I mean, if you think about Clinton, Clinton
was not that super liberal when you think about it, he was not.
I mean, Bush was not that super conservative. I mean, you've had
some pretty you know, some pretty we had a variety of presidents over the
years. I think Biden is the most liberal president we've had in a way
more liberal than than Obama, way more and uh, as far as conservative,
I don't know. Uh, Trump wasn't that conservative. He was conservative?
Who was I think? I think I think changed, you know,
because once the Bush junior Bush w got in office, then all the uh
fear about overspending kind of went away in all both conservative and liberals. They
all started to spend. I know, I know. And then again there's
the thing called buying votes, and that's what people are doing. That's that's
what people do. They pander for votes. They know that there's certain numbers
of people that will vote in certain numbers that are not big enough to make
a difference. That's why everyone goes after billionaires. It's such a small class.
I mean, you know, not that they shouldn't go after I don't
know. I'm just saying that it's a small class. Whereas if you pay
off student loans for people, or forgive student loans and you and you go
for minimum wage, what you're going is for the masses, you're buying votes.
That's that's all there is to it. Okay, we got more coming
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sixteen twenty two. Hi Tom Martine here three h three seven one three talk
three oh three seven one three eight two five five. Welcome to the show,
folks, Doctor chrdeck of This is UH and we're talking about I have
a text now about stem cell because we said you did stem cells. Now
when stem cells and when PRP? When? When do you call that?
Uh? And that's a good one because PRP is a pretty damn good therapy.
And let's talk about that. PRP is platelet rich plasma. Yes,
it's your own blood's concentrated plasma or platelets, and then reinjected correct to the
sight of injury. Correct. What does it do? So uh, in
our experience, we'll recommend PRP therapy if somebody has up to a small muscle
tear, so a chronic spraint, chronic ligament injury, chronic tendon injury,
small muscle or tendon tear. It will repair those types of injuries. When
you're talking about a larger muscle tear like a rotator cuff, when you're talking
about a degenerative arthritic joint, it's just not powerful enough to regenerate the tissue
to a point where you have a lasting, long term solution. I know
there are some clinics that will inject up into a knee or a hip or
a shoulder, but those are really more for temporary relief or for minor inflammation.
If you've got a major injury or major degeneration, stem cell therapy is
the only thing that's going to really regenerate the tissue, all right. Someone
else said that if you use stem cells for hair regrowth. Have you monitored
patients and gone back to them? I know you because we talked about Denver
Regen doing some hair stuff. Yeah, some hair restoration. Have you gone
back and what are the results? We've been doing it now for about two
years. We get so, how is it? It takes about a full
year to get your full hair back in third so does it really come back
or is it just like like how you look of mine? Okay, I
have really thin hair right right, I mean, and I have it real
short now because you know what, when you have thin hair looks stupid when
it's like you look like Einstein or crazy Einstein. But in any case,
I don't mind the way my hair is. I mean, but does it
really fill in somebody like me? Does it really? For somebody like you?
It would because I'm not totally bald. Because you don't have a total
bald spot, you have thinning hair. So just the stem cell treatment to
regenerate hair growth, we're really thicking up all the thinning areas and regenerate hair.
Yes, yeah, and so but if you have a bald spot,
a bald area, what we recommend is a full hair transplant. Well yeah,
yeah, that's where that's where you actually do all the transplant, and
we add stem cells, which other clinics don't do. We add stem cells
to that procedure. So we have two procedures. One to regenerate thinning hair,
which is the stem cell procedure, and one to do a hair,
a full hair transplant with stem cell with your own stems. So if someone
wanted to have the thickening done like me or and I'm I'm asking for this
this texture, hint, hint, No, I really am, But what
seriously is it like a helmet of needles? I mean, I mean,
how do you do all of the areas that have to be injected? I
mean that sincerely, how do you do it? Do you just take and
start just going all over the head? Not quite like that. So okay,
what we'll do is we'll we'll use nerve blocking with a small insulin needle
around the scalp line. Yeah. Yeah, so that the top of the
crown of the head is numb. Yeah, and then we have different types
of needles. We have a multiport injector, so it is like a little
pad with a bunch of needles in. Yeah, that's one way we'd go
across the head that way, and then we take different needles of different lengths
so you get it to different depths of area within the scale. But it's
not that painful, no, because we know, like I said, we
numb up the scale. Now, how long does the procedure take. It
takes about three to four hours to do that. Wow, to do that,
you know, full hair transplant's a full day, a morning of doing.
But I'm talking about just the injection, just just the stem cell procedure
alone for regenerate thinning hair, it takes about three or four hours and you've
seen results. Literally, is there would there be a reason why it doesn't
work? Have you had it where it doesn't work or people are disappointed?
Not really, No, we haven't. As long as we're as long as
the objectives are clear. You know, we're not going to recommend somebody that
has a full balding balding area just the rejuvenation. We're going to say to
them, Look, if you really want the result you're looking for, you're
gonna need a hair transplant with the stem cell therapy. Now, we evaluate
each case on a case by case basis, so we have you send those
pictures of your scalp, and our team goes over that with you, comes
up with a plan, talks about what your goals will be, and where
do you get the stem cells? We get the stem cells from both bone
marrow from the hip and from adipose tissue from fat. Fat and bone marrow
mixed together, so you do both. Yes, So when I had my
stem cell on my lower back, where'd you get You got mine from the
bone r right. We just for lower back procedures only, we just used
the bone marrow based stem cells and we mixed that with umbilical cord cells that
we get from a supplier. Okay, and that's our back procedure. For
most other joint procedures, we use the patient's own fat with their own bamb
It was amazing what happened. It really was amazing. I like I told
you, man, I damn near just four went surgery completely. And my
doctor said, that's fine, you don't have symptoms, but your physical ailment
is so bad that it's going to resurface, you know, because because but
it was remarkable with that much physical damage, how stem cells could take away
pain. Well, I remember, we looked at your images and we decided,
well, let's just give it a try and hope that you get something.
It was amazing. I mean, like I said, if I didn't
have such bad physiology, I just didn't want to be faced with this bad
physiology in ten years. But I was amazed. But like I told you
before, one of the dis not disadvantage, one of the challenges you guys
have is it was so slow over a four month period, I had forgotten
why I got so better, Right, I'd forgotten it because it was so
and I kept getting better and better. And then I think Stephanie says,
Tom, that stuff really worked. Yep, And we've changed the protocol.
Since you've had it done, it's even better. Yeah. We have another
product that we had, what do you do? We have a product called
microvascular tissue, and what's that. It's used in heart surgeries and used in
vascular surgeries to repair heart and vascular titches. It's a regenerative product. But
once we've started adding this to our procedures, we see patients starting to feel
better within two to three weeks rather than a month or two. Well,
it doesn't matter if it's a month or two or three or three weeks.
If it really works and it really did so anyway, Denver Regen dot com.
More coming red up, go with a sure thing Denver's best roofer Excel
Roofing dot com. You don't pay a cent until you're content. Time for
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Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here
three O three seven one three talk seven one three eight two five five.
So it's weird. Some of the questions I get texted okay, one,
Here is my son ran his car sixty miles on low oil? What should
I do? Nothing? You can do an oil analysis if you want,
But here's the deal. Sixty miles on low oil is nothing you can as
long as it wasn't out completely. And even if it's out completely, I'm
now obviously you shouldn't drive it all. But believe it or not, there
are some cars even when you're out, if it was a good quality oil,
have enough viscosity to keep it from seizing. It would all have to
do with the temperatures and other indications. But on low oil sixty miles,
I wouldn't even give it a thought, that's for sure. Also, somebody
wants to know what is the difference between depreciation of houses and cars. Well,
okay, cars have a lifespan, a total lifespan. I mean,
think about it. Okay, we can say ten years, but okay,
let's even say ten years. Okay. Uh, if a car has a
lifespan of ten years and it's more like eight, but you would have more
depreciation because theoretically it's not worth much at the end of that whereas a house
can be around fifty and sixty years, so obviously would have less actual depreciation
of actual cash value. But then you have something called market. In cars,
the market goes down. In homes the market goes up, so you
have appreciation as well. By the way, I want to tell you Denverregen
dot com to get a hold of Joel for weight loss or stem cell therapy
or hair replacement. Denverregen dot com. I'm Tom Martino. Remember to call
three oh three Martino. You can call three oh three six two seven,
eight four sixty six twenty four seven for your help, information and referral.
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