WEBVTT 1 00:00:00.400 --> 00:00:13.240 Thank y'all ripped up that news need advice, so you don't have you come 2 00:00:13.400 --> 00:00:19.280 running. Just as fast as we can. Shoot's gonna help coming, man. 3 00:00:20.120 --> 00:00:25.719 This is the Troubleshooter Show. No Tom Martino, Hi high, Hi 4 00:00:25.839 --> 00:00:32.159 Tom Martino Here three oh three seven one three talk three o three seven one 5 00:00:32.240 --> 00:00:37.799 three eight two five five. Wow, you had an extra day. Today's 6 00:00:37.840 --> 00:00:43.079 Tuesday. We're starting off the show and there should be problems built up or 7 00:00:43.119 --> 00:00:48.600 not. Here's what I want to tell you. If you have a problem 8 00:00:48.679 --> 00:00:53.159 lingering, festering, growing, just starting, now's the time to call. 9 00:00:53.200 --> 00:00:57.759 Don't let look, don't let things get too far. That's the biggest problem 10 00:00:58.119 --> 00:01:00.719 in solving problems, and that's what we do here. We don't just bitch 11 00:01:00.759 --> 00:01:04.480 and moan. We solve if we can. That is, you know, 12 00:01:04.599 --> 00:01:11.439 sometimes quite frankly, it's impossible you've done something wrong, but it's good to 13 00:01:11.480 --> 00:01:18.159 know what you did wrong and then have the right bullets, the right ammunition 14 00:01:18.280 --> 00:01:23.519 going forward to minimize damage or to undo the damage. We've recovered on this 15 00:01:23.560 --> 00:01:29.239 show hundreds of millions of dollars over the years and cash, merchandise exchanges, 16 00:01:29.319 --> 00:01:32.959 refunds, and services. So welcome to the show. What's on your mind 17 00:01:32.959 --> 00:01:37.760 today? Sus is on the phones, Kachina's off. Sus who usually does 18 00:01:38.439 --> 00:01:45.359 loftier administrative duties, is in the trenches today, and sus, Hey, 19 00:01:45.439 --> 00:01:52.159 Tommy, where's Mark home working on projects? Yeah? He's been busy this 20 00:01:52.719 --> 00:01:57.200 springb yep, both business and personal projects, right, lots of both. 21 00:01:59.000 --> 00:02:02.480 Yeah. So I noticed YouTube is not up yet, is it? Yeah, 22 00:02:02.560 --> 00:02:06.159 he's going to get that going here for us. I just want to 23 00:02:06.200 --> 00:02:12.400 let my morons know it's coming at three ozho three seven one three talk three 24 00:02:12.400 --> 00:02:15.840 oh three, seven to one, three eight two five five, don't forget. 25 00:02:15.560 --> 00:02:21.000 You can call three oh three Martino twenty four to seven three oh three 26 00:02:21.159 --> 00:02:23.400 six two seven eight four sixty six. Joel is with me, Doctor Joel 27 00:02:23.479 --> 00:02:29.240 chertact is with me. As you know, they're doing compounded weight loss drugs, 28 00:02:29.840 --> 00:02:34.960 semaglutide, enterzepetide. You may not have heard of truezepetide as much as 29 00:02:35.039 --> 00:02:40.439 semaglutide. It's actually better and works better and doesn't have quite as many side 30 00:02:40.439 --> 00:02:46.719 effects. Even though semaglutide is relatively safe and they're looking they're finding all kinds 31 00:02:46.759 --> 00:02:52.759 of benefits to both of these drugs. For kidney disease and addictions and all 32 00:02:52.840 --> 00:02:55.879 kinds of other side benefits. And of course you're going to also see a 33 00:02:57.000 --> 00:03:00.560 lot of people on the internet saying, don't take it. It's where it's 34 00:03:00.560 --> 00:03:05.159 gonna you know, it's it's the worst thing that ever happened. As with 35 00:03:05.360 --> 00:03:10.319 anything, there's always going to be discussions on the benefits and the disadvantages or 36 00:03:10.360 --> 00:03:15.000 the risks, and uh, Joel's here from time to time to talk about 37 00:03:15.000 --> 00:03:20.240 that. Plus he also has a clinic that does stem cell therapy. So 38 00:03:20.400 --> 00:03:28.199 Joel on the let's just talk about the semiglutide, and there's a tzepetide. 39 00:03:29.360 --> 00:03:34.240 There's controversy. Have you seen some of the the the videos from so called 40 00:03:34.280 --> 00:03:39.319 the health experts saying don't ever take this stuff. He can paralyze your your 41 00:03:39.520 --> 00:03:45.319 your intestinal system or whatever, your gastro intestinal system, your digestive system. 42 00:03:45.719 --> 00:03:49.080 Yeah, and we're not seeing that happen to people, you know. The 43 00:03:49.080 --> 00:03:53.479 most that we're seeing in terms of side effects are some mild gastro intestinal discomfort 44 00:03:53.240 --> 00:03:58.840 some people have. They have two reactions. One is the jamming up the 45 00:03:59.080 --> 00:04:01.360 constipation. The other one is too loose. Why is that, well, 46 00:04:01.400 --> 00:04:06.000 because you're tinkering with the speed at which your body is digesting food and absorbing 47 00:04:06.560 --> 00:04:12.560 sugar and carbs correct So it takes you a week or so, sometimes two 48 00:04:12.560 --> 00:04:15.160 weeks for your body to adjust to the medication. And we always start people 49 00:04:15.160 --> 00:04:18.959 off at a low dose and escalate it up in that first moment. Bottom 50 00:04:19.000 --> 00:04:26.680 line, these drugs simply slow down absorption and make you satisfied longer. Isn't 51 00:04:26.680 --> 00:04:30.480 that the most simplistic way of saying it. That would be the most simplistic 52 00:04:30.519 --> 00:04:32.600 way of saying it. And as a result of doing that, you do 53 00:04:32.639 --> 00:04:38.680 stay satisfied or satiated longer. You do, and you wind up not feeling 54 00:04:38.759 --> 00:04:44.120 the craving of constant snacking or the or feeling that you're not full, which 55 00:04:44.160 --> 00:04:46.920 is the problem that a lot of people have with trying to lose weight, 56 00:04:46.000 --> 00:04:50.160 is that they continuously are not station Now, people who have gotten back to 57 00:04:50.199 --> 00:04:58.199 me who started this say that they have completely and I'm not saying you do 58 00:04:58.240 --> 00:05:03.000 it for this lost they're craving. I don't know if craving is a good 59 00:05:03.040 --> 00:05:08.360 word, because they're not alcoholics, but they might have a drink of wine 60 00:05:08.399 --> 00:05:11.720 here and there, they don't even want it anymore. What is the compulsion 61 00:05:11.839 --> 00:05:15.720 why? But not everyone who wants a glass of wine or a drink now 62 00:05:15.720 --> 00:05:19.000 and then margarite or whatever. They're not alcoholics necessarily, but they say they 63 00:05:19.000 --> 00:05:23.879 don't even want that, not even occasionally. Well, you have to consider, 64 00:05:23.959 --> 00:05:28.800 you know, when you're satiated, your body is triggering the rewards. 65 00:05:28.839 --> 00:05:30.959 A lot of people say that alcohols are craving for sugar. So what it 66 00:05:31.040 --> 00:05:38.160 is is that suppressing the reward the reward cascade in the brain that's associated with 67 00:05:38.199 --> 00:05:42.800 that saciation. So it's gonna apply to food cravings as well as to other 68 00:05:42.879 --> 00:05:46.560 types of cravings and drugs they sew. Some people say it's working to help 69 00:05:46.600 --> 00:05:49.399 addiction. Other people are saying, you know, so anyway, listen. 70 00:05:50.000 --> 00:05:54.920 They do this sema gluetide. That's their main one, because that's the one 71 00:05:54.959 --> 00:05:59.279 most people know about, and compared to the twois, a little cheaper, 72 00:06:00.079 --> 00:06:03.040 but there they have to. They're the lowest anywhere, two hundred and fifty 73 00:06:03.040 --> 00:06:08.000 bucks a month, and they're they're going to be raising the price a little 74 00:06:09.439 --> 00:06:12.600 till like two seventy five, but this week they'll honor the two fifty. 75 00:06:12.639 --> 00:06:15.079 If you call to sign up or inquire, you don't have to sign up 76 00:06:15.160 --> 00:06:17.879 right this week, but you got to get your name down. And yeah, 77 00:06:18.199 --> 00:06:20.720 if they go for the doctor, even if they go online to our 78 00:06:20.720 --> 00:06:25.199 website and fill out their intake paperwork, we'll hold that price for them for 79 00:06:25.279 --> 00:06:28.519 another month. Okay, So you got to fill it out and inquire this 80 00:06:28.639 --> 00:06:32.879 week. And that is UH Denver region dot com. By the way, 81 00:06:33.079 --> 00:06:35.120 if you had to pick one to go on, which one would you do 82 00:06:35.279 --> 00:06:43.040 trius epetide or semaglutide I It depends on how much weight my weight goal is. 83 00:06:43.079 --> 00:06:46.000 I would do trus epetide. Based on what I'm reading. Yeah, 84 00:06:46.079 --> 00:06:48.160 a turs eppetize seems to be a more powerful drug. It seems to have 85 00:06:48.240 --> 00:06:51.120 less side effects, and it seems to work more effectively. It is a 86 00:06:51.120 --> 00:06:55.399 little bit more expensive, but not much more. No, we're talking for 87 00:06:55.600 --> 00:06:58.959 twenty five a month versus two seventy five a month. But there's not much 88 00:06:59.720 --> 00:07:02.079 down side as far as supply. You don't have a problem right now. 89 00:07:02.240 --> 00:07:05.319 No, we can get the drugs. It's starting to get a little bit 90 00:07:05.360 --> 00:07:08.360 tighter, which is why we've had to raise the price. There are a 91 00:07:08.360 --> 00:07:15.720 lot of compounding clinics showing up. There are but we stick with one particular 92 00:07:15.000 --> 00:07:19.319 company that we know has a great product that we know gives good results. 93 00:07:19.720 --> 00:07:24.439 I get offers all the time from other compounding pharmacies that want our business. 94 00:07:24.439 --> 00:07:28.560 We won't go anywhere else because we know that what we supply is very effective 95 00:07:28.600 --> 00:07:31.040 and very safe for people. Larry, what's going on in your life? 96 00:07:31.120 --> 00:07:35.240 Larry? We're talking about a bounce check. What's happening. Yeah. I 97 00:07:35.360 --> 00:07:39.639 just happened to out of the Blood get a check in the mail and it's 98 00:07:39.720 --> 00:07:48.279 been I don't know it's day. So when you say this check, Larry, 99 00:07:48.399 --> 00:07:54.759 is it made out to you? Yeah? Your name and address, 100 00:07:55.800 --> 00:08:01.040 and and is it from a company you recognize? No? You know, 101 00:08:01.120 --> 00:08:05.920 you bring up something really really, it's amazing you're bringing this up because I 102 00:08:07.000 --> 00:08:13.759 was going to talk to Sus about this. I recently got a check and 103 00:08:15.839 --> 00:08:18.560 in fact, I'm going to bring it up right now. This shows up 104 00:08:18.560 --> 00:08:22.879 in the mail, Sus. Oh yeah, listen to this. The Junk 105 00:08:22.959 --> 00:08:35.919 Luggers aka Lug Junk NJLLLC. This is on thirty one Maple Avenue in fair 106 00:08:35.960 --> 00:08:39.919 Haven, New Jersey. They have a phone number here and I do want 107 00:08:39.919 --> 00:08:45.600 to call it. A check shows up for twenty two thousand, five hundred 108 00:08:45.639 --> 00:08:50.759 dollars made out to me. Oh my goodness, yeah, sus it's it's 109 00:08:50.799 --> 00:08:54.720 made out. Actually, I think it's Troubleshoot or network. It might be 110 00:08:54.799 --> 00:09:01.879 me, but there's no explanation whatsoever. Now many times these scams. The 111 00:09:01.919 --> 00:09:07.279 way these scams work is you might get a job somewhere and the check shows 112 00:09:07.360 --> 00:09:11.559 up like this, but it's not from the company you got a job with. 113 00:09:11.679 --> 00:09:15.000 It's from the like this. Let's just say I took a job working 114 00:09:15.039 --> 00:09:18.080 at home doing some scam thing and I don't know what's a scam, and 115 00:09:18.159 --> 00:09:22.279 I get this check and they say this isn't payment for what you've just done. 116 00:09:22.559 --> 00:09:26.480 So then you cash it and then they want you to send some money 117 00:09:26.519 --> 00:09:33.919 back. They say they overpaid you. That's the usual scam. But I 118 00:09:33.039 --> 00:09:39.799 suspect, sus if we call this company, they won't have any idea that 119 00:09:39.879 --> 00:09:46.279 I received a check. What they do is is non hasmant interstate transportation. 120 00:09:46.759 --> 00:09:50.840 And I got a check for twenty two grand. Of course I never cashed 121 00:09:50.879 --> 00:09:56.360 it. But man, anyway, so tell me about your check. Well, 122 00:09:56.399 --> 00:10:00.840 I just got down of the blue. Yeah, tell me, tell 123 00:10:00.840 --> 00:10:07.679 me what it is. What does it say anything at all? No, 124 00:10:07.759 --> 00:10:09.759 not a thing. It's just okay, it's just a check. And how 125 00:10:09.840 --> 00:10:16.159 much is it for? One thousand, three hundred and ten dollars and fifty 126 00:10:16.200 --> 00:10:24.080 eight cents one thousand dollars? Basically okay? And does who is it from? 127 00:10:24.200 --> 00:10:35.120 What company? Arlington LLC, BO, miser, JAC Q, U 128 00:10:35.279 --> 00:10:39.360 E T I MS. Now did you look this company up? No? 129 00:10:43.000 --> 00:10:48.000 Okay, this is I'm wondering why this is happening. Have you been contacted 130 00:10:48.080 --> 00:10:52.039 it all? After the check? When did you get it? It's day 131 00:10:52.080 --> 00:10:58.120 to eleven seventeen of twenty twenty. Mike, Wait, wait of twenty twenty. 132 00:11:00.600 --> 00:11:03.799 My basic question is I deposited in the bank, and then why would 133 00:11:03.840 --> 00:11:09.639 you deposit it though I don't know I had my name on it? Okay, 134 00:11:09.840 --> 00:11:15.200 all right, fine, okay, then what happened? So my question 135 00:11:15.440 --> 00:11:18.039 is the bank never told me in any way, shape or form that it 136 00:11:18.200 --> 00:11:22.919 bounds. I just took the money back out of my account. Can I 137 00:11:22.000 --> 00:11:30.759 come back on the bank for that? No? No, okay, listen, 138 00:11:31.480 --> 00:11:37.840 you you cashed it because your name was on it. Just know this. 139 00:11:37.799 --> 00:11:43.399 If you cash unrecognized checks in the future, here's what happens when that 140 00:11:43.600 --> 00:11:50.360 company gets a copy of that canceled check or the scammer, it will have 141 00:11:50.480 --> 00:11:54.240 your bank account information on it. Now I'm going to tell you something. 142 00:11:54.399 --> 00:12:00.720 Well, when did you actually deposit it? Oh, just a week from 143 00:12:01.320 --> 00:12:03.480 after or last from after? I got it? Well, when was that 144 00:12:03.960 --> 00:12:09.320 back in twenty twenty eleven seventeen of twenty twenty, So, oh my god, 145 00:12:09.799 --> 00:12:16.360 you're just learning about this. Oh no, I've found out they bounced 146 00:12:16.440 --> 00:12:22.919 it back a couple three months later. Okay, okay, so you were 147 00:12:24.039 --> 00:12:26.720 just wondering about it today. I get it. I get it. Yeah. 148 00:12:26.919 --> 00:12:30.440 I don't think you can go back on the bank for it. But 149 00:12:30.840 --> 00:12:33.679 but you're lucky. So nothing weird has happened to your account since then, 150 00:12:33.799 --> 00:12:41.200 right, because they have your account information correct, You're lucky. You're lucky 151 00:12:41.320 --> 00:12:46.799 because the thing I'm telling you is there is a tendency once they have your 152 00:12:46.879 --> 00:12:54.159 routing number and your account number to try to grab money from your account. 153 00:12:54.519 --> 00:12:58.399 So it's good, it's good. It's good that you that you haven't had 154 00:12:58.440 --> 00:13:03.480 an incident. Thanks for calling Larry three oh three seven one three talk seven 155 00:13:03.519 --> 00:13:09.159 one three eight two five five waterpros dot net the best water systems at the 156 00:13:09.279 --> 00:13:15.480 lowest prices waterpros Pauldwaterman dot com. 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Wait time for an insurance check up free, no obligation. 164 00:13:50.120 --> 00:13:54.519 In comparison, call Compass Insurance paying too much your coverage at dozens of 165 00:13:54.600 --> 00:13:58.519 insurance companies find out now three oh three seven seven to one help. You'll 166 00:13:58.559 --> 00:14:03.360 think you're his only customer when you choose Frank durand the real estate Man dot 167 00:14:03.480 --> 00:14:07.159 com to list your home with Remax Alliance three oh three nine two zero sixteen 168 00:14:07.240 --> 00:14:20.360 twenty two. Hi Tom Martino here, Welcome to the show. Three O 169 00:14:20.519 --> 00:14:26.000 three seven one three talk seven one three eight two five five. All right, 170 00:14:28.039 --> 00:14:37.440 here's someone they here's someone, and they want to know what happens when 171 00:14:37.519 --> 00:14:41.879 I put a car in for restoration and I can't get it back. The 172 00:14:41.000 --> 00:14:48.080 shop is ghosting me, and I suspect they're not doing the work well. 173 00:14:48.159 --> 00:14:52.879 First and foremost, here's the problem, okay, with a lot of these, 174 00:14:54.440 --> 00:14:58.600 whether they're major repairs, restoration, body work, wherever you have to 175 00:14:58.679 --> 00:15:03.879 drop your car off. One of the biggest problems a lot of even legit 176 00:15:05.159 --> 00:15:11.159 Okay, not even, but let's take legit shops first. Legit shops might 177 00:15:11.279 --> 00:15:16.960 have problems with parts, managing money. They're just not good at what they 178 00:15:18.120 --> 00:15:22.320 do as far as the business end, but they have every intention of fixing 179 00:15:22.399 --> 00:15:24.399 the car, and they get just in over their heads. Now I call 180 00:15:24.480 --> 00:15:28.759 it legit in that they don't have an intent to rip you off, but 181 00:15:28.879 --> 00:15:33.320 they pretty much suck because they don't know how to run the business. What 182 00:15:33.440 --> 00:15:39.159 people don't understand is you can get ripped off as much with people that don't 183 00:15:39.320 --> 00:15:46.000 know how to run the business as you can with people who want to rip 184 00:15:46.039 --> 00:15:50.960 you off. That's the problem. Now, let's talk about this, don't 185 00:15:52.440 --> 00:15:54.480 I don't know if I can help you. Now it's already there. We'll 186 00:15:54.559 --> 00:16:00.159 call for you. I got the name here, but don't drop your car 187 00:16:00.559 --> 00:16:07.039 off until you order and get the parts. Now, you have to pay 188 00:16:07.159 --> 00:16:10.840 for the parts sometimes, and if you do, that's okay. If you 189 00:16:11.120 --> 00:16:15.879 verify they're being ordered in your name and then have them shipped to the shop 190 00:16:15.039 --> 00:16:19.000 is fine because if they're for your car, the chances are this guy's not 191 00:16:19.120 --> 00:16:22.120 going to rob Peter to pay Paul with parts. Your parts are for you, 192 00:16:23.320 --> 00:16:27.320 but don't drop it off until the parts are there. I actually had 193 00:16:27.399 --> 00:16:33.039 this where I went to a legit shop locally. It used to be Murray 194 00:16:33.480 --> 00:16:37.759 Body and now it's run by Sonic I believe, or they might just be 195 00:16:37.879 --> 00:16:41.559 still Murray. I don't know. They're a great body shop, and I 196 00:16:41.799 --> 00:16:45.679 went there and ordered the parts that they were very willing to do that, 197 00:16:45.799 --> 00:16:48.960 and then they called me when the parts were there. Now, when they 198 00:16:48.080 --> 00:16:52.159 take it apart or they need more parts, that's something different. But at 199 00:16:52.240 --> 00:16:56.440 least you're ahead of the game. So that's one thing you can do. 200 00:16:56.600 --> 00:17:00.039 Another thing is don't give a lot of money up front, because once that 201 00:17:00.200 --> 00:17:06.279 money's exhausted, it's hard to motivate these people to keep working. Money upfront 202 00:17:06.519 --> 00:17:11.400 is not a good idea ever. And people who say to me will tom 203 00:17:11.480 --> 00:17:15.039 im I'm supposed to trust the consumer. Well, for God's sakes, there's 204 00:17:15.119 --> 00:17:21.160 got to be a balance. I want to hear it from contractors about money 205 00:17:21.200 --> 00:17:26.279 up front because I'm sick and tired of contractors taking money but not applying it 206 00:17:26.440 --> 00:17:33.839 to the job. It's not for you, it's for the job. Linda, 207 00:17:34.640 --> 00:17:40.519 what's going on with your rental deposit? What's happening, Linda Thomas in 208 00:17:40.559 --> 00:17:42.599 regards to my daughter. They lived in an apartment they moved out of in 209 00:17:42.680 --> 00:17:48.920 April twenty three and they never got the deposit demand letter sixty days later. 210 00:17:49.160 --> 00:17:52.519 Is there a cut up? No? No, you said April and it's 211 00:17:52.599 --> 00:17:57.960 only men. No April twenty twenty three. Oh my god. So they 212 00:17:59.079 --> 00:18:03.359 moved out last year and never got their deposit right. And how they found 213 00:18:03.400 --> 00:18:07.920 this out is they applied for a new place to move to and got denied 214 00:18:07.039 --> 00:18:11.680 because this old apartment house reported that they owe money and never paid it. 215 00:18:12.079 --> 00:18:15.640 But when they moved, they put in the they put in the when they 216 00:18:15.680 --> 00:18:19.440 were moving, they had forwarding on their mail. They approove the mail was 217 00:18:19.519 --> 00:18:23.759 being forwarded and they got nothing in the mail with this letter. And when 218 00:18:23.759 --> 00:18:30.880 they contacted the apartment house because of this report a couple last week, the 219 00:18:30.960 --> 00:18:36.519 apartment house forwarded them obviously of demand that was just generated less. Well, 220 00:18:36.839 --> 00:18:41.160 do you know was it backdated the one that they supposedly generated? Yeah? 221 00:18:42.759 --> 00:18:47.640 Are you? And they they claimed the apartment house claims they had mailed it 222 00:18:47.720 --> 00:18:52.839 out. They claimed they mailed it to the apartment address that they moved from, 223 00:18:52.960 --> 00:18:56.279 even though they had the forwarding address. And I get it, but 224 00:18:56.759 --> 00:19:03.720 they say they sent it, yes, but it was never received by USPS 225 00:19:03.799 --> 00:19:07.720 because they get pictures of all of the mail that they receive every day. 226 00:19:07.279 --> 00:19:11.160 Yes, so do I that's good. That's good. Do they have records 227 00:19:11.200 --> 00:19:15.039 of those of their their those emails? Oh, that's excellent. Okay, 228 00:19:15.680 --> 00:19:21.440 Now how much is it? How much is the deposit? How much is 229 00:19:21.480 --> 00:19:25.839 the deposit? It was seven hundred dollars, so trouble would be twenty one 230 00:19:25.960 --> 00:19:27.599 hundred, right, And this is what I would do. Did they have 231 00:19:27.920 --> 00:19:32.960 a copy of their lease? Now, by the way, the lease can 232 00:19:33.039 --> 00:19:37.599 allow for sixty days if there's nothing in the lease, it's by law thirty 233 00:19:37.720 --> 00:19:44.799 days. It was sixty in the lease. Okay, okay, okay. 234 00:19:45.200 --> 00:19:48.599 Then she needs to go to small Claims court for twenty one hundred dollars. 235 00:19:48.720 --> 00:19:52.759 I don't see how she loses well. And the other question I have though, 236 00:19:52.920 --> 00:19:56.359 is this is this is keeping them from moving to a new place because 237 00:19:56.359 --> 00:19:59.920 they're old place. Now, if you're if you're asking, are there a 238 00:20:00.000 --> 00:20:06.160 additional damages? I doubt she's going to get those consequential or subsequential damages. 239 00:20:06.240 --> 00:20:11.640 I don't think she will. But uh, well, they put a deposit 240 00:20:11.799 --> 00:20:15.039 down. They put a deposit down for the new lease, for a new 241 00:20:15.079 --> 00:20:18.880 apartment, and to a fee to hold debt until this came up last week 242 00:20:19.000 --> 00:20:22.759 that they owed this money. So would that deposit be able to be added 243 00:20:22.799 --> 00:20:29.039 to the small claims? Are they going to lose the deposit? Yes, 244 00:20:29.799 --> 00:20:32.839 I would certainly try. Let's put it. Let's put it this way. 245 00:20:33.319 --> 00:20:37.720 The worst that can happen is that the judge turn it down. But they 246 00:20:37.839 --> 00:20:42.559 need to get Please don't just talk about it, do it. I mean, 247 00:20:44.000 --> 00:20:47.680 these people have to do more than just show a demand. Your daughter 248 00:20:47.839 --> 00:20:52.759 has good records of her postal service. And did they say they sent it 249 00:20:52.880 --> 00:20:56.279 to the old apartment or to the new address? Where did they say they 250 00:20:56.400 --> 00:21:03.160 sent it the old apartment? Aggress? Okay? And and your daughter had 251 00:21:03.279 --> 00:21:07.880 all her mail forwarded from that old address. Yes, and she has proof 252 00:21:07.960 --> 00:21:12.319 that she started receiving mail forwarded from that old address to the new one within 253 00:21:12.480 --> 00:21:18.119 like ten days of when they moved out. Oh man, okay, okay, 254 00:21:19.119 --> 00:21:22.920 I don't see. Like I said, you keep in touch with me 255 00:21:22.039 --> 00:21:26.960 because I want to. I want to walk through this with her. Okay, 256 00:21:26.559 --> 00:21:30.759 I want you tell her to go on site, get the small claims 257 00:21:30.799 --> 00:21:37.680 thing downloaded, cite the law, cite her leaves, and then have them 258 00:21:37.839 --> 00:21:44.920 served by an independent party. You got it knocked. Now the question I 259 00:21:45.039 --> 00:21:49.720 have, Yeah, they can't get into the new apartment until this gets removed 260 00:21:49.720 --> 00:21:55.279 off whatever. Well that's not necessarily so. That new apartment could. That 261 00:21:55.519 --> 00:21:57.480 new apartment could do a few things. The new apartment could give him a 262 00:21:57.559 --> 00:22:02.000 break and say, look, I that you have this legal issue. The 263 00:22:02.079 --> 00:22:06.400 new apartment may not want to, but it's not going to be I don't 264 00:22:06.440 --> 00:22:08.839 know what to do. You can't just keep If you're asking, can they 265 00:22:08.920 --> 00:22:14.039 keep racking up damages? No, I don't think they can. No, 266 00:22:14.160 --> 00:22:15.680 But I don't mean that. I'm not asking that. Where were they living? 267 00:22:15.839 --> 00:22:18.839 Here's what I want to know. If they moved out April of last 268 00:22:18.920 --> 00:22:23.519 year, where were they living in Aurora? Okay, but hold on the 269 00:22:23.640 --> 00:22:29.200 place they're living now. They there was a place when they moved out of 270 00:22:29.279 --> 00:22:33.519 there, they moved into a new place, right, yes, And did 271 00:22:33.599 --> 00:22:38.000 they leave that place? No? They're trying to now, but they can't 272 00:22:38.039 --> 00:22:41.880 because it's all okay. Well, then they have to keep living at that 273 00:22:41.079 --> 00:22:48.279 place that they can't be homeless and claim it's that apartment's responsibility. But they're 274 00:22:48.319 --> 00:22:51.759 not doing that. They put in a thirty day or they didn't renew their 275 00:22:52.240 --> 00:22:53.880 lease because they were going to move to a new place. So now they 276 00:22:53.960 --> 00:22:59.039 have to ask the current landlord if they can do a month by month until 277 00:22:59.119 --> 00:23:03.119 this is resultd, which they are. But they can't get into the new 278 00:23:03.200 --> 00:23:07.119 place because the new place won't give them a break and they're stuck at the 279 00:23:07.200 --> 00:23:11.519 old place until they get this lawsuit resolved for these and I don't understand. 280 00:23:11.559 --> 00:23:15.519 If they're in good standing with the current place, why would this place care. 281 00:23:17.680 --> 00:23:19.880 Well, then they're trying to move from the current place to a new 282 00:23:21.000 --> 00:23:25.680 place. I'm asking you, if they are in good standing with their current 283 00:23:26.039 --> 00:23:32.279 landlord, why does the new place care about a previous one. I don't 284 00:23:32.319 --> 00:23:34.119 know, but it is stop well, then then you know what, then 285 00:23:34.200 --> 00:23:40.079 this new place is the problem too. Okay, so you need to include 286 00:23:40.240 --> 00:23:44.200 that deposit. How much deposit did they put down? It was like three 287 00:23:44.240 --> 00:23:49.480 hundred and fifty dollars to do a whole deposit and an application. Okay, 288 00:23:51.200 --> 00:23:55.720 then she needs to include that in her small claims court. And I'm confident. 289 00:23:56.079 --> 00:24:00.359 I'm confident she'll win. And then Mike, Mike, are you a 290 00:24:00.440 --> 00:24:06.480 contractor? Can you for the last forty years? Can you hold on? 291 00:24:06.839 --> 00:24:08.720 Sir? I really would love to talk to someone with your experience, but 292 00:24:08.839 --> 00:24:11.720 I must take this break. So if you can hold on, I will 293 00:24:11.759 --> 00:24:15.079 come right back to you. I'm Tom Martino. Three oh three seven one 294 00:24:15.200 --> 00:24:25.279 three eight two five five. Go with a sure thing Denver's best roofer Excel 295 00:24:25.400 --> 00:24:32.160 Roofing dot com. You don't pay a cent until you're content. Time for 296 00:24:32.200 --> 00:24:36.519 an insurance check up free, no obligation. In comparison, call Compass Insurance 297 00:24:36.720 --> 00:24:40.839 paying too much your coverage at dozens of insurance companies find out now three oh 298 00:24:40.920 --> 00:24:44.559 three seven seven to one help. You'll think you're his only customer. When 299 00:24:44.599 --> 00:24:48.279 you choose Frank durand the real estate Man dot com to list your home with 300 00:24:48.440 --> 00:24:57.640 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino 301 00:24:57.759 --> 00:25:02.680 here, Welcome to the show. Now Mike has a comment on money up 302 00:25:02.759 --> 00:25:06.720 front. I have a whole post on this I did socially, getting quite 303 00:25:06.759 --> 00:25:11.240 a reaction, and I just I don't mind paying some money as work begins, 304 00:25:11.319 --> 00:25:17.319 as it goes along. This idea of being ahead of the game only 305 00:25:17.480 --> 00:25:22.079 ends up whenever a consumer is pissed and ripped off, it's usually because they 306 00:25:22.160 --> 00:25:23.720 left money on the table. Go ahead, Mike, what is your comment? 307 00:25:25.880 --> 00:25:30.119 Well, it kind of depends if I have to special order something for 308 00:25:30.240 --> 00:25:33.640 a customer that I can't return. Yeah, you got to pay me for 309 00:25:33.720 --> 00:25:37.200 at least the cost of it. An Mike, I totally agree with you, 310 00:25:37.240 --> 00:25:41.119 Okay, And the same thing. If I was a roofer, I'd 311 00:25:41.160 --> 00:25:45.279 want the money in case those shingles ended up on top and then you decide 312 00:25:45.319 --> 00:25:48.519 you didn't want to go any further. Then you have your shingles and I'm 313 00:25:48.559 --> 00:25:52.799 not out anything, you know what I'm saying. There's nothing wrong with that. 314 00:25:53.519 --> 00:25:57.599 But at the same time, I don't want any labor money ahead because 315 00:25:57.880 --> 00:26:02.200 if I owe you money or time, I have to be nice to you 316 00:26:03.359 --> 00:26:08.720 you want, you want walk away, you want walk away freedom. I 317 00:26:08.880 --> 00:26:11.759 think we should all be kind of even at the end of the week. 318 00:26:11.880 --> 00:26:15.279 If we can help, if we can work it out, well we're in 319 00:26:15.359 --> 00:26:18.599 agreement. Mike. What kind of contracting do you do? I'm a handyman? 320 00:26:19.119 --> 00:26:22.720 Okay, good, I was a contractor, but now I'm too old 321 00:26:22.759 --> 00:26:26.000 and fat, so now I'm a handyman. So what kind of handyman work? 322 00:26:26.039 --> 00:26:30.960 Do you do? Everything except getting on the dang roof? And I 323 00:26:30.039 --> 00:26:33.079 don't do carpet. So how do you work? Mike? Somebody calls you 324 00:26:33.240 --> 00:26:37.400 and you give them, You give them an estimate. Of course I always 325 00:26:37.440 --> 00:26:41.039 go over and look at it. I never give an estimate over the phone. 326 00:26:41.519 --> 00:26:45.599 And do you have a name of your company? Yeah, it's called 327 00:26:45.680 --> 00:26:52.079 d Bear Construction. And that was only a stupid name because my accountant said 328 00:26:52.079 --> 00:26:56.480 you shouldn't have your own name attached to your LLC. So I named it 329 00:26:56.559 --> 00:27:02.640 after my dog. So, Mike, I know you for calling her. 330 00:27:02.720 --> 00:27:07.240 Listen, man, of all the things on our referral list, we get 331 00:27:07.359 --> 00:27:12.039 handyman requests all the time. You should consider it someday. Thanks Mike for 332 00:27:12.119 --> 00:27:15.319 calling three zero three seven to one to three talks seven one, three, 333 00:27:15.359 --> 00:27:18.880 eight, two five five. So Linda has another question or two. Her 334 00:27:19.240 --> 00:27:23.599 daughter rented an apartment left in April of last year, never got a letter 335 00:27:23.680 --> 00:27:30.480 of explanation on why they were keeping the security deposit. Not only are they 336 00:27:30.599 --> 00:27:33.839 keeping it, but they want more money for damages. And of course the 337 00:27:33.000 --> 00:27:37.960 daughter never responded because she says she never got the letter. As a result, 338 00:27:37.400 --> 00:27:42.200 it's impeding her ability to get a new apartment, even though she has 339 00:27:42.359 --> 00:27:47.119 been in an apartment since then. So I don't know how that happened. 340 00:27:47.480 --> 00:27:49.759 So she's currently in an apartment, wants a new one. The new one 341 00:27:49.839 --> 00:27:55.759 says no because the landlord before this one says you owe them money. Go 342 00:27:55.839 --> 00:28:00.440 ahead. What is your additional question, Linda? What part is the credit 343 00:28:00.519 --> 00:28:03.079 or background check? Is it pulling the information from it? There's no jump 344 00:28:03.319 --> 00:28:08.279 judgment against her for this VCS. I have no clue. Oh oh oh, 345 00:28:08.440 --> 00:28:12.000 hold on, There doesn't have to be a judgment. In order to 346 00:28:12.119 --> 00:28:18.079 report negative on your credit bureau or credit report, they simply have to be 347 00:28:18.200 --> 00:28:22.640 a member. So what does a member mean? Well, let's say they 348 00:28:22.839 --> 00:28:30.319 regularly check credit through TransUnion. They become a member. That means that they 349 00:28:30.519 --> 00:28:33.759 can pull credit, but they also are required to report credit. That's how 350 00:28:33.839 --> 00:28:38.480 it works, so they can simply report it. In fact, in fact, 351 00:28:38.880 --> 00:28:41.839 you bring up a good point, Linda. There doesn't have to be 352 00:28:41.960 --> 00:28:48.920 a judgment to have a negative report, and many landlords use that as blackmail. 353 00:28:49.960 --> 00:28:55.400 We've had cha. So this is only a negative report. That's on 354 00:28:55.519 --> 00:29:00.319 the report that's catching the eye. Well, it should be a negative report 355 00:29:00.480 --> 00:29:06.279 and not a judgment, because let me tell you both ways, many landlords 356 00:29:06.400 --> 00:29:11.920 use a negative report as a wedge as blackmail. It's credit blackmail. They 357 00:29:11.000 --> 00:29:15.400 say you ruin the carpet. You say I did not. They it was 358 00:29:15.559 --> 00:29:18.160 like that before. They say, no, it wasn't, and so in 359 00:29:18.319 --> 00:29:21.240 order to collect money from you, they put a mark on your credit. 360 00:29:21.640 --> 00:29:25.480 And therefore, even though they didn't get a judgment, even though it wasn't 361 00:29:25.599 --> 00:29:29.279 proven, it can keep you from renting in the future until you pay. 362 00:29:29.640 --> 00:29:34.200 That's blackmail. The other way it works is this they sometimes claim like they 363 00:29:34.279 --> 00:29:40.559 claim they sent her an explanation. They sometimes claim they served her. It's 364 00:29:40.640 --> 00:29:45.160 called gutter service. It's where they say they served the person but really did 365 00:29:45.279 --> 00:29:51.720 not. As a result, the landlord goes to court or the landlord's attorney 366 00:29:51.759 --> 00:29:56.319 and says, your honor, they didn't show up. Then they get a 367 00:29:56.400 --> 00:30:00.079 default judgment. So it could be a default judgment if it's really a scummy 368 00:30:00.200 --> 00:30:06.240 landlord, but as a result of sewer service. Either way, it's on 369 00:30:06.359 --> 00:30:11.759 our credit report. Most likely it's not gutter service and a default judgment, 370 00:30:11.079 --> 00:30:18.440 because gutter service and a default judgment usually you gotta be really sleazy to do 371 00:30:18.599 --> 00:30:22.440 that, and you have to have a sleazy attorney too. Okay, thank 372 00:30:22.480 --> 00:30:26.279 you, that's I just wanted to get you. Just call me back when 373 00:30:26.319 --> 00:30:29.559 you find if you need more information, Okay, I'll be happy to help 374 00:30:29.559 --> 00:30:33.160 you. Three zho three seven one three talk three oh three seven one three 375 00:30:33.240 --> 00:30:40.480 eight two five five. Now Dwayne needs advice on a roof replacement. Dwayne, 376 00:30:40.559 --> 00:30:44.359 what is it? Yes, this is Dwayne. Yes, Dwayne, 377 00:30:44.440 --> 00:30:48.960 what do you need? Well? I found out, Well, I knew 378 00:30:48.000 --> 00:30:52.200 that I had an older roof, like I think fourteen years old, getting 379 00:30:52.240 --> 00:30:56.920 to be in that twenty year range. So I've been thinking about needing and 380 00:30:57.000 --> 00:31:00.920 we get hail and Colorado springs all of time, like the front range. 381 00:31:02.680 --> 00:31:07.880 So I had a gentleman show up at my door Saturday, which I let 382 00:31:07.000 --> 00:31:11.880 him do a inspection. I didn't sign anything good, just want him check. 383 00:31:11.920 --> 00:31:15.440 And he said, yes, we have haill damage and it should be 384 00:31:15.519 --> 00:31:21.400 covered by insurance. And then I had another company come out just today and 385 00:31:21.519 --> 00:31:25.839 they said the same thing, and I didn't sign anything. What companies were 386 00:31:25.920 --> 00:31:26.680 they? Hold on? I want to come back to you, let me, 387 00:31:26.799 --> 00:31:30.920 let me take this break. This is You're at a very crucial point, 388 00:31:30.000 --> 00:31:33.839 Dwayne. I want to make sure you make the right choices and I'll 389 00:31:33.920 --> 00:31:41.680 save you trouble. I promise you coming right up. Go with a sure 390 00:31:41.799 --> 00:31:45.279 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 391 00:31:45.319 --> 00:31:52.480 you're content. Time for an insurance checkup free, no obligation. In comparison, 392 00:31:52.640 --> 00:31:57.519 call Compass Insurance paying too much your coverage at dozens of insurance companies find 393 00:31:57.559 --> 00:32:00.839 out now three oh three seven seven to one help. You'll think you're his 394 00:32:01.000 --> 00:32:05.960 only customer when you choose Frank durand the real estate Man dot com to list 395 00:32:06.039 --> 00:32:09.440 your home with Remax Alliance three all three nine two zero sixteen twenty two. 396 00:32:12.519 --> 00:32:19.039 Yeah, Susan, are we up on YouTube yet? Anyway? I know, 397 00:32:19.480 --> 00:32:22.880 I know, But if we're up on YouTube, we're streaming and you 398 00:32:22.960 --> 00:32:25.240 see my shirt New York Yankees. Here's the deal. Okay, it looks 399 00:32:25.319 --> 00:32:30.599 nice on your time. Huh said, it looks nice on you. Now. 400 00:32:30.640 --> 00:32:34.920 The reason I use this here is because it brings back great memories. 401 00:32:35.599 --> 00:32:37.440 Let me just tell you, growing up in New York as a kid, 402 00:32:39.240 --> 00:32:43.880 it was so arrogant of us, but we didn't even realize it. This 403 00:32:44.079 --> 00:32:49.200 is the question we would ask each other as we approached baseball season. God's 404 00:32:49.319 --> 00:32:53.519 honest truth. Now listen to what we would ask, who will the Yankees 405 00:32:53.599 --> 00:33:00.599 be playing in the World Series at the beginning of the baseball year? I 406 00:33:00.680 --> 00:33:02.279 mean, how many years did we go to the World Series? My god? 407 00:33:02.920 --> 00:33:09.440 But I remember that and all of those wonderful players and they were great 408 00:33:09.480 --> 00:33:14.559 to the kids. And anyway, all right, let's go back. Dwain 409 00:33:14.680 --> 00:33:16.640 needs advice on a roof replacement, Dwayne, go ahead, Sorry, go 410 00:33:16.680 --> 00:33:22.519 ahead, yes, sir, Hi tom so heil damage. Here's what I 411 00:33:22.599 --> 00:33:30.640 want to know. What when did they say the hell happened? The first 412 00:33:30.759 --> 00:33:37.240 contractor was listing like last year, June twenty first, is what? Okay? 413 00:33:37.720 --> 00:33:39.960 Where they came up with the storm? Do any of these want you 414 00:33:40.079 --> 00:33:47.079 to sign anything? I haven't the first one wanted to be assigned something was 415 00:33:47.240 --> 00:33:51.519 just what he assessed, went up with the roof and looked. I said, 416 00:33:51.559 --> 00:33:53.759 I wouldn't sign it. I'd talk to he'd give me a call. 417 00:33:54.279 --> 00:34:00.319 Okay, what's the name of that roofer, Premiere, and then tell me 418 00:34:00.400 --> 00:34:05.759 about the second roofer. Second one just shook pame this morning. Who is 419 00:34:05.839 --> 00:34:09.559 it? Ian? Christine? And okay, now there's only two roofers I 420 00:34:09.639 --> 00:34:13.079 want you to call. And I'm telling you, Dwane, if you call 421 00:34:13.199 --> 00:34:17.159 these two roofers, in my opinion, in my opinion, there's one hundred 422 00:34:17.159 --> 00:34:22.639 percent chance you will love the experience and not experience any kind. Well, 423 00:34:22.719 --> 00:34:25.119 I know you won't. You're not going to get ripped off, okay, 424 00:34:25.840 --> 00:34:32.440 because they're solid. You call Petrolley Roofing or you call Excel Roofing. Okay, 425 00:34:32.519 --> 00:34:37.599 I have appointments for PETROLLI to come out at nine o'clock tomorrow morning. 426 00:34:37.719 --> 00:34:42.000 So that's and just sign the contract with him. You know what I'm telling 427 00:34:42.079 --> 00:34:46.440 you. You can trust O'Malley in the gang. Just don't even think about 428 00:34:46.480 --> 00:34:50.639 it, Okay, I'm serious. Now, whatever you can do, you 429 00:34:50.760 --> 00:34:53.119 can do what they say. That's how confident I am of these people. 430 00:34:53.480 --> 00:34:58.199 I'm Tom Martino three O three seven to one three talk seven one three eight 431 00:34:58.239 --> 00:35:00.440 two five five. If you're on the phone, stand the phone, I 432 00:35:00.519 --> 00:35:04.519 will get to you. We also have doctor Joel Chrudacht with us from Denver 433 00:35:04.639 --> 00:35:13.960 Region dot com. So any of your questions give us a call. Go 434 00:35:14.159 --> 00:35:17.360 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 435 00:35:17.400 --> 00:35:24.000 a cent until you're content. Please time for an insurance check up free, 436 00:35:24.119 --> 00:35:30.719 no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance 437 00:35:30.760 --> 00:35:34.239 companies find out now three oh three seven to seven to one help. You'll 438 00:35:34.320 --> 00:35:37.039 think you're his only customer when you choose Frank Durand the real estate Man dot 439 00:35:37.159 --> 00:35:42.880 com to list your home with Remax Alliance three oh three nine two zero sixteen 440 00:35:42.920 --> 00:35:59.000 twenty two. Ripped News need a vessel you don't have? Run a cam 441 00:36:00.280 --> 00:36:06.599 shooter is gonna help? Come man, This is the Troubleshooter Show. No 442 00:36:07.159 --> 00:36:13.519 Tom Martino, Hi, Tom Martino here three oh three seven three top three 443 00:36:13.559 --> 00:36:16.119 oh three seven one three eight two five five. This hour brought to you 444 00:36:16.320 --> 00:36:21.480 by eight eight eight Heating dot com the risk free service fee. That means 445 00:36:22.039 --> 00:36:24.599 if you call them, you pay twenty eight bucks to get one item service, 446 00:36:24.639 --> 00:36:28.400 whether plumbing, heating, cooling, electric, or trains. They do 447 00:36:28.599 --> 00:36:30.840 the service now, like for example, a toilet they'll do a service, 448 00:36:30.960 --> 00:36:35.920 or a water heater they'll do a service or whatever. And then if you 449 00:36:36.119 --> 00:36:38.440 need more than the twenty eight bucks, meaning more than that one service, 450 00:36:38.519 --> 00:36:42.039 if there is a problem, they credit you the twenty eight bucks, but 451 00:36:42.119 --> 00:36:45.400 there's no obligation. Eight eight eight Heating dot com the risk free service fee 452 00:36:45.440 --> 00:36:51.079 from a company we know and trust three all three seven seven zero two seven 453 00:36:51.639 --> 00:36:54.320 seven six. So welcome to the show, folks. Let's go to the 454 00:36:54.360 --> 00:36:58.920 phones and see what we can do for you. Okay, I have doctor 455 00:36:58.960 --> 00:37:01.559 Joel Trudek with US two from Denver Regent dot com. If you're looking for 456 00:37:01.719 --> 00:37:09.320 weight loss drugs that are compounded, no shortages and way lower prices. Okay, 457 00:37:09.960 --> 00:37:13.320 Jennifer has a shout out. Let's go to that one. Jennifer, 458 00:37:13.400 --> 00:37:15.920 what what are you doing? What are you doing? Jennifer? Hey, 459 00:37:16.239 --> 00:37:20.719 I'm doing well. We just moved into new house. And am I the 460 00:37:20.760 --> 00:37:24.960 only one who can can hardly hear her? Am I the only one guys. 461 00:37:25.400 --> 00:37:29.480 I could hear her. Tom, okay, good, go ahead there, 462 00:37:29.920 --> 00:37:30.639 yeah, go ahead right now, I can hear you there, go 463 00:37:30.639 --> 00:37:35.719 ahead, okay. I use your referrals as often as I can. And 464 00:37:36.039 --> 00:37:39.039 yeah, I had some great service from Steve the painter. He redid our 465 00:37:39.159 --> 00:37:46.360 deck last year and the stain failed. We waited until the spring to have 466 00:37:46.440 --> 00:37:51.559 it redone because he couldn't. He was real busy during the fall and we 467 00:37:51.760 --> 00:37:53.960 had to get our house on the market and get pictures taken. Yeah, 468 00:37:54.360 --> 00:37:58.519 by a couple of days ago, and he was so busy, but he 469 00:37:58.679 --> 00:38:01.800 and his wife and his daughter out I think two days ago. I'm losing 470 00:38:01.840 --> 00:38:05.960 track of time. Yeah, I did the whole thing in one day. 471 00:38:06.880 --> 00:38:12.880 And it was just great just to have follow through on their work. Isn't 472 00:38:12.920 --> 00:38:17.440 it nice to have a company this stands behind their work absolutely? You know. 473 00:38:19.280 --> 00:38:22.119 I have a funny story about him. Thank you Jennifer for calling. 474 00:38:22.679 --> 00:38:25.239 So I texted him, gave him hell about my front door. Say, 475 00:38:25.320 --> 00:38:29.920 man, you just did this door and it's already showing somewhere and he says, 476 00:38:29.960 --> 00:38:34.000 what, I never did your door, And I remember that now. 477 00:38:34.119 --> 00:38:37.920 He came and did my stucco and he did garage doors but never did my 478 00:38:37.000 --> 00:38:40.719 front door. But it was a funny story because I sent him a text 479 00:38:40.760 --> 00:38:44.159 saying, what the heck's going on, Steve, and he says, wait 480 00:38:44.159 --> 00:38:46.039 a minute, I never did your door. All right? Three oh three 481 00:38:46.320 --> 00:38:51.920 seven one three talk. Larry wants to talk about a bounced check. He 482 00:38:52.000 --> 00:38:53.519 got a check in the mail. I don't know why he's back. I 483 00:38:53.679 --> 00:38:58.800 thought we finished it. But he got a check in the mail for a 484 00:38:58.880 --> 00:39:07.519 thousand bucks from a company he did not recognize, and then he deposited it, 485 00:39:07.639 --> 00:39:14.119 then it bounced, and he's upset about it. So I told him 486 00:39:14.119 --> 00:39:16.199 there's nothing he can do about his bank. His bank didn't do anything wrong. 487 00:39:16.719 --> 00:39:21.760 In fact, cashing a check you're not really sure of is kind of 488 00:39:21.840 --> 00:39:24.079 weird. So anyway, what happened, Larry? Why are you calling back? 489 00:39:24.199 --> 00:39:29.159 Sir? Well, I'm not really upset about it. My basic question 490 00:39:29.400 --> 00:39:32.320 is how can the bank take money out of somebody who's account and simply not 491 00:39:32.559 --> 00:39:37.360 inform them that they did so? Okay, technically or not technically, it 492 00:39:37.440 --> 00:39:42.039 would be nice, obviously they should let you know. They should say, 493 00:39:42.159 --> 00:39:45.000 by the way, this instrument failed and we and we took it out. 494 00:39:45.119 --> 00:39:51.960 Okay, that's the way it used to be. Nowadays they don't do that 495 00:39:52.079 --> 00:39:58.639 anymore, and I'll tell you why, because they figure you have online access 496 00:39:59.360 --> 00:40:05.199 and you have statements that you check monthly or weekly or daily whatever, and 497 00:40:05.519 --> 00:40:09.000 they don't do it anymore. They just don't. Everything is electronic and they 498 00:40:09.039 --> 00:40:13.079 don't do it. Now. I want to give you the pure sense of 499 00:40:13.159 --> 00:40:17.000 what you asked. How can they take money out of your account? The 500 00:40:17.199 --> 00:40:24.880 real substance is you never really put money in your account. Nothing you deposit 501 00:40:27.079 --> 00:40:35.039 is yours until they are verified funds. Otherwise you could make that argument for 502 00:40:35.159 --> 00:40:39.880 anything. Any kind of check you deposit, your bank is not responsible for 503 00:40:40.039 --> 00:40:49.079 that. If you deposit bad instruments, they give many times what's called provisional 504 00:40:49.239 --> 00:40:53.440 credit, meaning after a few days they give you access to the money. 505 00:40:53.800 --> 00:41:00.840 But it is provisional credit, and unless it goes through the tire ach process 506 00:41:01.039 --> 00:41:07.960 or the automated clearinghouse process, it's not a permanent credit or debit. So 507 00:41:08.000 --> 00:41:13.559 it you know, we may not like it, but there's nothing illegal about 508 00:41:13.599 --> 00:41:20.639 it that I know of. Thank you, and I listen. I know 509 00:41:20.800 --> 00:41:25.119 what you're saying, but really, Larry, and again I am not you 510 00:41:25.199 --> 00:41:30.000 know, trying to call you out on this, but it was kind of 511 00:41:30.159 --> 00:41:37.800 reckless to deposit a check you did not recognize it's It could almost be fraudulent. 512 00:41:38.000 --> 00:41:40.519 Did you know that? Even though it's in your name? Now, 513 00:41:40.639 --> 00:41:45.639 no one could ever get you on fraud ever. But what if you had 514 00:41:45.280 --> 00:41:50.480 bogus companies writing you checks all the time to try to see how many get 515 00:41:50.519 --> 00:41:54.079 through, or let's say you did it on that other companies. I'm not 516 00:41:54.199 --> 00:41:58.239 saying you did Dwayne. I'm just excuse me, not Dwayne Larry. I'm 517 00:41:58.280 --> 00:42:01.320 not saying you did it. I'm just saying that it's weird. It's a 518 00:42:01.400 --> 00:42:06.360 weird practice. We never you know. That's why when I got this twenty 519 00:42:06.400 --> 00:42:09.880 two thousand dollars check from this jug thing, I never even thought about cashing 520 00:42:09.960 --> 00:42:15.440 it. Well maybe for a split second too, but when I thought about 521 00:42:15.480 --> 00:42:19.280 cashing it, not to keep the money, but to think what will happen? 522 00:42:19.800 --> 00:42:22.760 That's what I thought, you know, what will happen? And of 523 00:42:22.840 --> 00:42:25.039 course I didn't do it. Three oh three, seven to one to three 524 00:42:25.119 --> 00:42:30.360 Talk Steve has a super U issue. Hello Steve, what's going on with 525 00:42:30.440 --> 00:42:34.480 your Good morning roue? Yeah, good morning Tom. Thanks. Thirty eight 526 00:42:34.599 --> 00:42:37.079 years I've been listening, and I never thought i'd have to do. Man. 527 00:42:37.280 --> 00:42:39.679 I really seriously, Steve, I truly appreciate that. I really do. 528 00:42:39.920 --> 00:42:43.639 Go ahead, Man, go ahead. It was great. So I 529 00:42:43.800 --> 00:42:45.360 don't know. I want to. I want to. I'm at a very 530 00:42:45.440 --> 00:42:51.199 crucial point involving a brand new Subaru outback, and I want to make sure 531 00:42:51.239 --> 00:42:54.199 I do the right thing. When did you get the super Ru? Yeah, 532 00:42:54.239 --> 00:42:58.280 I'm not quite at the lemon law problem yet, but I will be. 533 00:42:58.719 --> 00:43:00.599 When did you buy it from? I'm in Cold of Springs. I 534 00:43:00.679 --> 00:43:08.199 purchased it on April twenty second of this year, okay four. Just about 535 00:43:08.280 --> 00:43:13.280 three weeks after that, I developed an oil leak and I took it back 536 00:43:13.320 --> 00:43:19.079 to Huburger. Unbelievable. They couldn't believe it either. Brand new. How 537 00:43:19.119 --> 00:43:22.559 bad is the oil leak? Yeah? Bad? Two hundred and ninety two 538 00:43:22.639 --> 00:43:28.119 miles and they're doing a major engine repair. They have to. They said 539 00:43:28.159 --> 00:43:30.679 they had to drop the entire engine to get to this leak. They've not 540 00:43:30.840 --> 00:43:35.440 seen it on anything on these newer models. Where is the leak coming from? 541 00:43:37.400 --> 00:43:40.719 Let me, I don't totally understand. It's called the cam carrier top 542 00:43:40.800 --> 00:43:45.199 of the cylinder, the housing around the drive shaft, there's a silicon seal 543 00:43:45.800 --> 00:43:51.239 and it's leaking oil. So they got to remove the entire engine and then 544 00:43:51.639 --> 00:43:54.440 put it back in. So they couldn't believe it either. And they even 545 00:43:54.519 --> 00:44:00.960 recommended getting hold of Sugar Ru America, which I did called filed a report. 546 00:44:01.039 --> 00:44:04.679 Of course, it was just starting into the holidays, so I didn't 547 00:44:04.719 --> 00:44:07.639 hear anything bad. Yeah, but but what I'm asking is this, what 548 00:44:07.800 --> 00:44:12.119 about it? I mean you you're they're doing exactly what they're supposed to do, 549 00:44:12.280 --> 00:44:15.599 and that is repair it. Well, true, I don't want this 550 00:44:15.760 --> 00:44:21.920 car back and why but why Well, they have to replace it. Now 551 00:44:21.960 --> 00:44:24.239 they're saying they're going to put a different engine in it, a long block 552 00:44:24.320 --> 00:44:27.840 instead of the one that was in it. And wait, wait a minute, 553 00:44:27.960 --> 00:44:30.159 what was in it? A short block? I don't know, I 554 00:44:30.239 --> 00:44:34.079 have no c Well, no, a long block simply means they're putting in 555 00:44:34.280 --> 00:44:37.599 the whole engine, right, That's what I think they mean. That's what 556 00:44:37.719 --> 00:44:40.199 they mean. I think when they say short and long, I think what 557 00:44:40.360 --> 00:44:45.360 they mean is they're they're doing an entire replacement. Okay, so I'm not 558 00:44:45.480 --> 00:44:49.400 at the point yet where they've offered anything to me. What I'm afraid of 559 00:44:49.519 --> 00:44:52.519 Well they they wait wait, they just said, they said to you they're 560 00:44:52.559 --> 00:44:58.679 putting in a new engine basically, right, Okay, go ahead. I'm 561 00:44:58.719 --> 00:45:00.599 not sad. What would take it are with a different engine? I mean, 562 00:45:01.159 --> 00:45:05.440 can I ask you something. It's not a different engine. It's a 563 00:45:05.559 --> 00:45:10.880 manufacturer's engine. It's a super U engine. I don't understand it. And 564 00:45:12.000 --> 00:45:16.119 listen, I know what you're saying. You're thinking, in a perfect world, 565 00:45:16.679 --> 00:45:22.079 they shouldn't have to do it now. Warranties are made for imperfect worlds, 566 00:45:22.679 --> 00:45:28.360 and we agree when we buy the car that it's warrantied now if they 567 00:45:28.519 --> 00:45:31.320 refuse to do it properly. I like that they're doing the whole engine rather 568 00:45:31.440 --> 00:45:37.360 than sealing it. I like that. Okay, gotcha. In other words, 569 00:45:37.199 --> 00:45:39.920 I think, and I don't mean, this is not a put down. 570 00:45:40.400 --> 00:45:45.960 I think Steve, this is more of a psychological thing. You thinking, 571 00:45:45.039 --> 00:45:49.639 Wait a minute, I just bought a brand new car, and now 572 00:45:49.719 --> 00:45:54.079 the entire engine has to be replaced. I know what you're thinking, but 573 00:45:55.320 --> 00:46:02.480 there are probably there's probably a better chance at that engine built specifically as a 574 00:46:02.760 --> 00:46:08.039 as an engine, or the long block is going to be probably better. 575 00:46:09.039 --> 00:46:14.519 I don't know. In other words, you now have a record that you 576 00:46:14.599 --> 00:46:17.079 had a bad engine. They put a new one in. I don't understand 577 00:46:17.119 --> 00:46:23.840 why you think getting another car would be better, Tom, What happens in 578 00:46:24.159 --> 00:46:28.239 five or seven years when I go to trade it in and that's that's on 579 00:46:28.360 --> 00:46:32.880 the that's on the list showing nothing. So I didn't warranty work. It 580 00:46:34.000 --> 00:46:42.360 wasn't a crash, it wasn't an accident, gotcha, no, lie I 581 00:46:42.519 --> 00:46:45.159 had do you know? Do you know something? This is the truth. 582 00:46:45.840 --> 00:46:54.079 I had the same exact thing happened years ago. I bought a subar ru 583 00:46:55.079 --> 00:46:59.000 I think it was. It was some kind of wagon, maybe I'm thinking 584 00:46:59.119 --> 00:47:02.440 Forrester. I don't remember what the name was. And it was turboed and 585 00:47:02.599 --> 00:47:07.000 I don't know why. But the engine went out, literally went out, 586 00:47:07.559 --> 00:47:12.039 and I had about six thousand miles on it, and they put a brand 587 00:47:12.079 --> 00:47:17.960 new engine in it. I remember, it is yours turbot, it is, 588 00:47:19.119 --> 00:47:22.199 yes, you know what. I wonder how often that happened? Seriously, 589 00:47:24.199 --> 00:47:29.239 Anyway, mine did not have an oil leak. Mine just went out. 590 00:47:29.480 --> 00:47:32.320 It just over redded one time and just I don't know, it just 591 00:47:32.400 --> 00:47:37.719 didn't run. And then they had to take it in and replace the engine. 592 00:47:37.840 --> 00:47:40.920 It happened after I went to a car wash. Maybe the kid in 593 00:47:42.000 --> 00:47:45.039 the car wash over rebbed it. I don't know what happened, but they 594 00:47:45.159 --> 00:47:49.320 covered it. Are you thinking you're going to have less of a car? 595 00:47:50.199 --> 00:47:53.280 I don't understand the point you're making. And did you ask them for a 596 00:47:53.400 --> 00:47:58.639 car? Did you say I'd rather have a new car. I'm at that 597 00:47:58.760 --> 00:48:01.960 point with them. They finally call me today from Super America and I said, 598 00:48:02.000 --> 00:48:06.719 that's an alternative that I'm looking at. Well, what did they? 599 00:48:06.840 --> 00:48:10.800 They just said, we need to do some more inspections. He still hadn't 600 00:48:10.840 --> 00:48:15.559 contacted the dealers. Well, who knows, who knows? They may they 601 00:48:15.639 --> 00:48:22.440 may do it. I'm just saying that what makes you feel do you feel 602 00:48:22.519 --> 00:48:24.280 like the luck of the draw that if you get a new one, it's 603 00:48:24.320 --> 00:48:30.559 not going to have any problems? Right? Right? And chances are it 604 00:48:30.679 --> 00:48:35.360 won't. But I think with it? Are you thinking with a new engine 605 00:48:35.679 --> 00:48:39.199 now that you screwed with it all, it's going to somehow be different. 606 00:48:40.480 --> 00:48:46.719 Yes, Okay, I get exactly how you feel. I would not feel 607 00:48:46.760 --> 00:48:54.960 that way if it's an excellent shop, but it is. It is an 608 00:48:55.000 --> 00:48:59.199 excellent shop. It's in color of spring Schuberger. You know I'm going to 609 00:48:59.239 --> 00:49:07.280 tell you another thing. Sometimes, on an individual installation of an engine after 610 00:49:07.920 --> 00:49:12.440 market, the you know, same manufacturer's engine, but done after it's sold, 611 00:49:12.599 --> 00:49:15.360 after it's on the road, can actually be better than a factory installed. 612 00:49:15.400 --> 00:49:20.599 But again that's up to you. Here's my here's the bottom line. 613 00:49:20.840 --> 00:49:23.599 I don't think you can demand a new car. I don't think you have 614 00:49:24.360 --> 00:49:29.079 the right under any laws I know to ask for a new engine, excuse 615 00:49:29.119 --> 00:49:32.079 me, a new car that But let me know how it goes and see 616 00:49:32.119 --> 00:49:36.840 what they say. Three oh three seven one three eight two five five. 617 00:49:37.000 --> 00:49:39.599 Welcome to the show. Listen to this, folks, Listen to this. 618 00:49:39.760 --> 00:49:45.239 Probit Energy is a solar company doing sales installation service. They do it all 619 00:49:45.360 --> 00:49:52.400 probid energy dot com and addition to that, they also have grants available for 620 00:49:52.519 --> 00:49:57.519 commission commercial systems to pay for damn near all of it. Probid energy dot 621 00:49:57.639 --> 00:50:07.440 com. Go with a sure thing Denver's Best roofer Excel roofing dot com. 622 00:50:07.639 --> 00:50:15.400 You don't pay a cent until you're content. 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That's renew Home 631 00:50:58.199 --> 00:51:04.599 Innovations dot com three nine zero four two thousand. Just beautiful showers, no 632 00:51:04.800 --> 00:51:07.639 thresholds to walk or stumble over, no tubs anymore, Get rid of them 633 00:51:07.840 --> 00:51:13.440 renew home Innovations dot com. So, uh, we have some questions, 634 00:51:13.559 --> 00:51:20.639 Doctor chold that your Joel chert Ak's with Denverregen dot com. Let me open 635 00:51:20.760 --> 00:51:23.960 up his mic hear and get on this wide shot. And we're talking about 636 00:51:24.280 --> 00:51:29.760 somebody wants to know about the pills Semiglue tide. They don't like shots. 637 00:51:30.320 --> 00:51:35.840 I think they're a little whoosy whisses. Well, uh, just a little 638 00:51:35.840 --> 00:51:38.920 bit about the oral compounds. So the oral compounds, you have to take 639 00:51:38.960 --> 00:51:42.920 them. They have to go through your digestive track, which which means that 640 00:51:42.960 --> 00:51:45.880 your stomach acid's going to eat them up what we call the bioavailability or your 641 00:51:45.920 --> 00:51:51.239 bodice. But you still get some glue tide. You still get somebody's far 642 00:51:51.400 --> 00:51:53.400 less effective than the injectables, which is why we don't sell them. We 643 00:51:53.400 --> 00:51:58.480 don't offer them to patients because they're really not efficacious. They don't get the 644 00:51:58.559 --> 00:52:01.599 job done, and so patients are welcome to try them with other clinics. 645 00:52:01.639 --> 00:52:05.559 It's just not something that we're willing to offer because it just doesn't do the 646 00:52:05.639 --> 00:52:13.039 trick. Somebody also wants to know what's the difference between semiglutide and urs epetide, 647 00:52:13.039 --> 00:52:15.840 because I talk about both of them. So turs eppetite is a little 648 00:52:15.880 --> 00:52:20.760 bit more of a specific drugs and it's a bit stronger. Uh. The 649 00:52:20.880 --> 00:52:25.480 best way to describe it is that it targets the satiation center, is a 650 00:52:25.519 --> 00:52:30.320 little bit better than cemeglotide does. It has a little less side effects, 651 00:52:30.400 --> 00:52:36.280 and it works more, It works more quickly. That being said, cemeglotide 652 00:52:36.320 --> 00:52:39.280 works great for a lot of patients. Uh What happens sometimes with cemeglatide is 653 00:52:39.440 --> 00:52:45.079 occasionally we'll have patients that plateau or patients that it doesn't work as effectively as 654 00:52:45.119 --> 00:52:47.239 we would like it to, and then we'll recommend the urs epetide, and 655 00:52:47.360 --> 00:52:52.920 almost invariably, the turs epetide gets the job done in terms of the patient's 656 00:52:52.960 --> 00:53:00.599 goals for weight loss all right, and as far as the uh aailibility, 657 00:53:00.719 --> 00:53:05.920 both are equally available right now. Yes, you know, as everybody knows, 658 00:53:05.920 --> 00:53:08.960 there's a high to these drugs. So they're starting to see shortages on 659 00:53:09.039 --> 00:53:13.360 the compounding side as well. But as of now, we can get them. 660 00:53:13.440 --> 00:53:15.000 We're not not having any where do they come from? Where does where? 661 00:53:15.719 --> 00:53:19.159 Do you know where they could Where these compounds come from? How do 662 00:53:19.239 --> 00:53:22.480 they how do they make them? Well, the pharmacy that we work with, 663 00:53:22.639 --> 00:53:25.000 the compounding pharmacy, is down in Texas and they get all of their 664 00:53:25.079 --> 00:53:30.079 precursors from FDA. Approof what I mean is what is some of gluetite? 665 00:53:30.159 --> 00:53:31.199 What is it? I mean, where does it come from? Humans? 666 00:53:31.280 --> 00:53:34.360 From animals? Where does it? I mean, I'm just curious, do 667 00:53:34.400 --> 00:53:38.239 you know it's it's a synthetic peptide. So what they do is all proteins 668 00:53:38.239 --> 00:53:43.679 are made up of amino acids and amino acid strings a lot of that, 669 00:53:43.920 --> 00:53:45.480 and these are proteins that do everything in their body. In your body, 670 00:53:45.519 --> 00:53:50.480 their hormones basically. And so what this does, it's a short chain amino 671 00:53:50.559 --> 00:53:53.440 acid. It mimics the hormone in your body. It's a hormone called glucagon. 672 00:53:53.559 --> 00:53:58.400 So people have heard of g LP one, that's glucagon like protein. 673 00:53:58.440 --> 00:54:01.320 That's the type of drugs that it is. Glucagon is the protein that your 674 00:54:01.360 --> 00:54:07.719 body produces to tell yourself that you're satiated. So it just mimics the satiation 675 00:54:07.960 --> 00:54:13.119 protein in your body, causing your body to feel like you're fault. Okay, 676 00:54:14.559 --> 00:54:19.599 So the reason I asked where it's from, somebody, somebody on YouTube 677 00:54:19.719 --> 00:54:22.440 was talking about what it was. So I forget what they said, but 678 00:54:22.519 --> 00:54:27.480 they were they were talking about where they get it from. I'm talking about 679 00:54:28.119 --> 00:54:30.440 the semigluetide itself, Like how do they make the drug? Like what do 680 00:54:30.559 --> 00:54:36.320 they make it from? What is semaglutide? Like do they They obviously don't 681 00:54:36.400 --> 00:54:40.119 harvest it from people, right, just like just like hormones are not taken 682 00:54:40.199 --> 00:54:45.400 from people. You know, they're bioidentical hormones, either from plants or from 683 00:54:45.480 --> 00:54:49.519 animals or something. Right, And the same with insulin and all of that. 684 00:54:50.199 --> 00:54:52.280 So do you know how I mean, if you don't know, that's 685 00:54:52.320 --> 00:54:57.480 fine. I just wondered because someone was talking about it. Anyway, do 686 00:54:57.559 --> 00:55:00.320 you I can tell you what it is? So what it is is, 687 00:55:00.719 --> 00:55:02.360 you know, if you're familiar with an amino a, what an amino acid 688 00:55:02.480 --> 00:55:07.559 is. An amino acid is the basic building block of a protein. So 689 00:55:07.000 --> 00:55:12.719 many many amino acids together create a protein. If you have just a short 690 00:55:12.800 --> 00:55:15.519 chain of amino acids, it's called a peptide. And that's what this is. 691 00:55:15.639 --> 00:55:21.239 It's a peptide. And these peptides are they exist in your body. 692 00:55:21.320 --> 00:55:23.840 Your body produces them in their signals. They're like hormone signals, all right. 693 00:55:23.960 --> 00:55:30.079 So when I get some of glutide or trzepetide or whatever I get through 694 00:55:30.199 --> 00:55:35.519 the compounding pharmacy or through you or through anything, where is it coming from? 695 00:55:36.239 --> 00:55:39.880 I mean, it's like, where is the sequence made? You know, 696 00:55:39.960 --> 00:55:42.960 I'm not exactly why. I don't know either, And that's why I'm 697 00:55:43.000 --> 00:55:45.199 curious. Because someone said it came from. I forget what they said. 698 00:55:45.360 --> 00:55:50.239 I'm trying to find it right now as I'm typing here. But they were 699 00:55:50.320 --> 00:55:53.679 trying to The argument they were making is it comes from I don't know, 700 00:55:53.840 --> 00:55:58.599 animals or something. No, it's synthetically put together. Okay, So you 701 00:55:58.719 --> 00:56:02.000 have the individual amino acids. I don't know exactly how the chemical process works 702 00:56:02.079 --> 00:56:06.079 to string them together. Uh, but it's the same way that they make 703 00:56:06.119 --> 00:56:08.840 insulin. Now, okay, here's what I just looked this up here. 704 00:56:08.880 --> 00:56:14.960 It says glutamine, nocetol, which is an alcohol, sugar, glutamine, 705 00:56:15.440 --> 00:56:21.440 and special enzymes and peptides are all put together to form semic glutide. Right, 706 00:56:21.559 --> 00:56:23.760 So basically, they take the amino the individual amino acids, and they 707 00:56:23.960 --> 00:56:28.400 put them into a string, a short trained string, which is a peptide. 708 00:56:28.440 --> 00:56:30.760 And that's what this is. And by the way, if you guys 709 00:56:30.840 --> 00:56:32.519 have any questions about this or any weight loss, give us a call three 710 00:56:32.559 --> 00:56:36.159 oh three, seven to one to three talks seven one three, eight two 711 00:56:36.239 --> 00:56:39.239 five five or problems, questions and complaints. Now, I have a lot 712 00:56:39.320 --> 00:56:44.840 of important consumer updates as well coming up, and I want you to stay 713 00:56:44.920 --> 00:56:46.920 tuned for that. Let me see We also have, of course, a 714 00:56:47.039 --> 00:56:55.360 discussion on this is a big discussion coming up on intellectual property and AI because 715 00:56:55.400 --> 00:57:05.599 this is causing unbelievable problems when it comes to likenesses. Now we're talking about 716 00:57:06.039 --> 00:57:10.199 likenesses like what people look like. How much of that can be protected? 717 00:57:12.159 --> 00:57:15.760 Like if you look the way you look, it's not patented, it's not 718 00:57:15.039 --> 00:57:22.199 trademarked, it's it's even different than the name. So how can they stop 719 00:57:22.320 --> 00:57:25.320 someone from doing that. We're gonna talk about that and more coming up on 720 00:57:25.440 --> 00:57:30.519 The Troubleshooter Show three oh three seven one three Talks seven one three eight two 721 00:57:30.599 --> 00:57:35.159 five five. Don't forget waterpros dot net the best water systems at the lowest 722 00:57:35.199 --> 00:57:38.320 prices, bar none, drinking water all you can drink at the kitchen sing 723 00:57:38.400 --> 00:57:43.880 fourteen hundred bucks fully installed water Pros three oh three eight sixty two five five 724 00:57:43.920 --> 00:57:51.920 five four. Go with a sure thing Denver's best roofer Excel roofing dot com. 725 00:57:52.079 --> 00:57:58.679 You don't pay a cent until you're content. Time for an insurance check 726 00:57:58.760 --> 00:58:04.360 up free no obligation comparison call Compass insurance paying too much your coverage at dozens 727 00:58:04.400 --> 00:58:07.679 of insurance companies. Find out now three oh three seven seven to one. 728 00:58:07.800 --> 00:58:10.760 Help you'll think you're his only customer when you choose Frank durand the real estate 729 00:58:10.880 --> 00:58:15.280 man dot Com to list your home with Remax Alliance three oh three nine two 730 00:58:15.360 --> 00:58:24.039 zero sixteen twenty two. Tom Martino, you're troubleshooter three o three seven one 731 00:58:24.199 --> 00:58:30.079 three Tom three oh three seven one three eight two five five. So we've 732 00:58:30.159 --> 00:58:37.639 heard about actual inflation, but do we know really how it's affecting us now? 733 00:58:37.719 --> 00:58:49.440 The top states, the top states for inflation when it comes to groceries, 734 00:58:51.000 --> 00:58:54.239 where do you think? Hey, I don't understand. This is a 735 00:58:54.440 --> 00:59:00.599 wide mixture of states, and I don't understand the the array. I just 736 00:59:00.719 --> 00:59:07.519 don't understand. There's no rhyme or reason in this array. But Mississippi, 737 00:59:07.559 --> 00:59:12.719 Hawaii, and Kansas, for example, pretty high rates of inflation for groceries, 738 00:59:14.679 --> 00:59:17.440 followed by West Virginia, Kentucky, and Maine. Then Montana, Oregon, 739 00:59:17.480 --> 00:59:21.119 New Mexico, Wyoming. I don't get it. I just don't get 740 00:59:21.159 --> 00:59:25.760 it. Now. When it comes to actual inflation items, the number one 741 00:59:25.840 --> 00:59:30.119 item affected by inflation. If you had to take a guess, sus, 742 00:59:30.800 --> 00:59:36.199 when you're when have you grocery shop now? And then, and I don't 743 00:59:36.199 --> 00:59:38.880 mean that as I just mean when you grocery shop, have you noticed any 744 00:59:38.960 --> 00:59:44.920 one item that is affected most by inflation? I have a list here of 745 00:59:45.039 --> 00:59:47.960 the things affected the most. It seems like eggs have gone out. Why, 746 00:59:49.760 --> 00:59:53.079 that's exactly right? So why is that that there? Do you know 747 00:59:53.360 --> 01:00:00.719 that they're up fifty percent? That's a lot? Holy crust? Do you 748 01:00:00.880 --> 01:00:13.800 know that beef forty flour thirty six percent? Now sugar and substitutes which we 749 01:00:13.920 --> 01:00:16.920 shouldn't be carrying so much right now? Now? Hold on, beef roast 750 01:00:17.000 --> 01:00:22.559 forty percent, beef steaks thirty two percent, but sugar thirty four point nine, 751 01:00:22.599 --> 01:00:27.559 so thirty five percent? Carbonated drinks which you don't drink at all? 752 01:00:27.679 --> 01:00:31.159 You guys, really, we don't know and I don't either anymore? Right, 753 01:00:31.280 --> 01:00:35.559 did you notice I don't drink it when I come to the station because 754 01:00:35.599 --> 01:00:39.119 you guys have it there. But I have stopped completely any carbonated drinks. 755 01:00:39.159 --> 01:00:46.800 I don't have any. And let's see fruit salads now, butter and margarine 756 01:00:46.880 --> 01:00:52.679 up thirty percent. But I just can't believe how badly beef and eggs and 757 01:00:52.920 --> 01:00:57.920 flour, wow, sugar? Yeah? Oh, anyway, in general, 758 01:00:59.119 --> 01:01:07.199 it's all supermarkets items, all grocery items are up in general about twenty five 759 01:01:07.320 --> 01:01:14.079 percent when you average everything out, that is one tremendous increase in what people 760 01:01:14.119 --> 01:01:17.920 are spending. Holy crap. Three oh three seven to one three talk seven 761 01:01:17.960 --> 01:01:22.559 one three eight two five five. Now, as far as the stock market, 762 01:01:23.519 --> 01:01:27.000 you know, people are saying the stock market it's great. Other people 763 01:01:27.039 --> 01:01:29.559 say it's all to other people say this, it's that. Well, you 764 01:01:29.639 --> 01:01:31.000 know what, it has been great, no matter how you look at it. 765 01:01:32.039 --> 01:01:40.280 But there is something called a risk sentiment gauge, whether people are willing 766 01:01:40.840 --> 01:01:49.639 to take risk or not, and it's different than it's different than consumer confidence. 767 01:01:50.159 --> 01:01:55.119 Consumer confidence is a really important gauge for regular people, meaning for all 768 01:01:55.199 --> 01:02:00.440 of us, how do we feel about the economy? And consumer com evidence 769 01:02:00.760 --> 01:02:06.719 is not that bad right now. But the risk sentiment gauge, they say, 770 01:02:07.079 --> 01:02:15.280 really gives you more insight because it really surveys and looks at the habits 771 01:02:15.079 --> 01:02:22.559 of investors, people who are actively investing, and if they're willing to take 772 01:02:22.679 --> 01:02:30.039 a risk on things, it shows more positive outlook. And right now there's 773 01:02:30.239 --> 01:02:37.119 two things they're willing to take a risk on, which says they don't believe 774 01:02:37.119 --> 01:02:45.639 in the economy. Those two things. The ten year treasury bill, why 775 01:02:45.480 --> 01:02:55.400 because they don't believe in the insecurity of a risk investment. So treasuries are 776 01:02:55.519 --> 01:03:02.679 usually no risk, whether it's the tea bill, the note, or you 777 01:03:02.760 --> 01:03:06.800 know, the notes or the bills. The first of all, you have 778 01:03:07.039 --> 01:03:12.000 the shortest duration is the t bill, and then you have the note, 779 01:03:12.920 --> 01:03:15.760 and then after that you have the bills or yeah, that's the way it 780 01:03:15.880 --> 01:03:22.440 is, and then you have tips, which are the inflation protected bonds. 781 01:03:22.480 --> 01:03:27.360 But to make a long story short, when people start flocking toward those instruments, 782 01:03:27.440 --> 01:03:31.840 it tells you that they're feeling a little wary about the economy. Another 783 01:03:31.960 --> 01:03:37.599 thing that tells you that they're going toward gold. So when people go toward 784 01:03:37.760 --> 01:03:45.400 gold and government securities, it's telling you they don't feel good now, even 785 01:03:45.480 --> 01:03:49.760 though you know the normal consumer may not see this. Right now, that's 786 01:03:49.800 --> 01:03:55.840 where the investments are going. But as far as not taking risks, they're 787 01:03:55.920 --> 01:04:00.960 not taking risks. Mostly if this makes sense, or the least risk is 788 01:04:01.079 --> 01:04:06.440 being taken on oil. People have no clue what oil is going to do 789 01:04:06.760 --> 01:04:10.800 next. Is the S and P five hundred believe it or not, They 790 01:04:10.840 --> 01:04:14.519 don't want to take a lot of risks on that they're not taking flyers. 791 01:04:14.559 --> 01:04:20.159 They're investing mostly in solid stocks. The Nasdaq is also off when it comes 792 01:04:20.199 --> 01:04:27.880 to risk and the US dollar. So if you look into the investing habits 793 01:04:27.960 --> 01:04:34.159 right now, it's looking like people are pessimistic, yet the stock market keeps 794 01:04:34.239 --> 01:04:40.360 going up. So it's a very weird time right now. There are no 795 01:04:40.719 --> 01:04:48.039 fundamentals that are responsible for what the market's doing. Nothing. It is all 796 01:04:49.159 --> 01:04:54.840 consumer sentiment. But when it comes to investor sentiment, even though some of 797 01:04:54.880 --> 01:05:00.840 them, many of them are flocking away from investing in stock, the stock 798 01:05:00.960 --> 01:05:08.159 market still seems strong. And that could be because what some people call the 799 01:05:08.400 --> 01:05:15.320 odd lot theory. That theory is when people don't know what to do, 800 01:05:15.480 --> 01:05:19.599 a lot of unsophisticated investors will do the wrong thing. And that's what they're 801 01:05:19.639 --> 01:05:25.360 saying. Could be the reason for the stock market going up so much is 802 01:05:25.440 --> 01:05:30.119 that you have a lot of unsophisticated investors flooding the market, where the more 803 01:05:30.199 --> 01:05:36.000 sophisticated ones are going more toward securities, no risk, low risk, and 804 01:05:36.119 --> 01:05:46.440 commodities like gold. We have more coming up on the Troubleshooter Show, Go 805 01:05:46.599 --> 01:05:50.800 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 806 01:05:50.840 --> 01:05:58.639 a cent until you're content. Time for an insurance check up free, no 807 01:05:58.719 --> 01:06:02.639 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 808 01:06:02.639 --> 01:06:06.320 of insurance companies find out now three all three seven seven to one. Help. 809 01:06:06.480 --> 01:06:11.039 You'll think you're his only customer when you choose Frank durand the real estate 810 01:06:11.119 --> 01:06:15.559 Man dot com to list your home with Remax Alliance three all three nine two 811 01:06:15.639 --> 01:06:24.079 zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three oh 812 01:06:24.159 --> 01:06:30.639 three seven one three talk seven one three eight two five five. Welcome to 813 01:06:30.719 --> 01:06:34.880 the show, and we're here to solve your problems, answer your questions, 814 01:06:34.920 --> 01:06:39.719 and take your complaints of any kind. And after a long holiday, many 815 01:06:39.760 --> 01:06:42.239 times we have a lot of complaints. Let me go to the uh, 816 01:06:42.880 --> 01:06:45.880 let me go to this. Okay, what does it cost? Somebody wants 817 01:06:45.880 --> 01:06:49.519 to know for tur Zeppetide fifty units. Well that's a hard thing. And 818 01:06:49.639 --> 01:06:55.039 for those listening, fifty units is one injection. And if you take four 819 01:06:55.119 --> 01:07:00.119 injections a month, okay, four injections a month, you get four or 820 01:07:00.440 --> 01:07:03.559 the supply they give you, and each injection is fifty units, So I'm 821 01:07:03.559 --> 01:07:08.440 gonna do this real quick, and you get four a month. So so 822 01:07:08.719 --> 01:07:14.679 for their supply, you get twelve injections at what price? Hold on there? 823 01:07:14.719 --> 01:07:16.719 You go go ahead basically to do the math, that would be anywhere 824 01:07:16.800 --> 01:07:21.280 between ten to twelve weeks. I'm just saying so so I can do that. 825 01:07:21.519 --> 01:07:26.360 Just so, how much is monthly? Is this Churs eppetite or kiss 826 01:07:26.440 --> 01:07:29.519 me? How much every twelve weeks? Is four hundred and something? Or 827 01:07:29.559 --> 01:07:31.280 how much is it a month or what? How does it work for woods 828 01:07:31.360 --> 01:07:34.920 drunk, Churs eppetite or Churs appetite. It's four to twenty five a month, 829 01:07:35.119 --> 01:07:40.079 So for twenty five and then another half of that for the for the 830 01:07:40.199 --> 01:07:43.400 duration, right is that what? No? No, it's so for three 831 01:07:43.519 --> 01:07:46.880 months. That's what it is for twenty five times three okay, so that's 832 01:07:47.000 --> 01:07:51.559 what times three divided by twelve. Okay, we'll give you your weekly price, 833 01:07:51.920 --> 01:07:57.639 okay, okay, so one hundred and six bucks a week, yes, 834 01:07:57.840 --> 01:08:00.280 for per injection? Yeah? Okay? Yeah, all right, So 835 01:08:01.000 --> 01:08:04.719 but I don't I don't understand why somebody wants a price it per injection. 836 01:08:05.079 --> 01:08:09.320 Well, because some clinics do that and they ask their patients to come in 837 01:08:09.480 --> 01:08:11.760 once a week for an injection. We don't do that. We give you 838 01:08:11.800 --> 01:08:15.440 your own supply, and you're able to do that yourself. And we don't 839 01:08:15.519 --> 01:08:19.000 charge by the week. We charge monthly for a three month supply. All 840 01:08:19.079 --> 01:08:25.239 right, three oh three seven one three talks seven one three eight two five 841 01:08:25.439 --> 01:08:31.039 five. Now on Consumer News again, we have a lot happening and there 842 01:08:31.079 --> 01:08:34.760 are things you need to know about. Do you know? This is what 843 01:08:35.000 --> 01:08:43.640 I find insane. They took everything we have, our keys, our cell 844 01:08:43.720 --> 01:08:48.760 phones, everything we have on our body. What do you think came back 845 01:08:48.880 --> 01:08:53.520 with the most dangerous bacteria? Give me a guess, Joel, give me 846 01:08:53.600 --> 01:08:56.880 a guess, sus, What do you think? I would say, your 847 01:08:56.960 --> 01:09:00.199 phone? No, I would think so too, because here's what I noticed. 848 01:09:00.239 --> 01:09:04.079 One time I take my phone and put it down places, sometimes on 849 01:09:04.199 --> 01:09:08.840 the on the sink in the restroom, when I'm washing my hands, when 850 01:09:08.880 --> 01:09:12.119 i'm you know, you know whatever, and then you pick up your cell 851 01:09:12.119 --> 01:09:14.640 phone. You don't realize it's being contaminating. That's true, it is. 852 01:09:15.439 --> 01:09:19.000 It's very contaminating. TV remote will tell you. Tom Han, TV remote 853 01:09:19.880 --> 01:09:24.560 oh, this is something you carry around in the public and then we'll talk 854 01:09:24.600 --> 01:09:29.640 about it. I'm going to tell you money and it wha. Actually this 855 01:09:29.800 --> 01:09:33.000 doesn't include money in this study. Hah, weird. We don't use money 856 01:09:33.000 --> 01:09:35.359 anymore. What are you telling you? We don't know so much. I'm 857 01:09:35.359 --> 01:09:44.520 going to tell you the number one thing with dangerous bacteria coming up. Go 858 01:09:44.720 --> 01:09:47.920 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 859 01:09:47.960 --> 01:09:55.720 a cent until you're content. Time for an insurance check up free, no 860 01:09:55.840 --> 01:10:00.720 obligation. In comparison, call Compass Insurance paying too much your cover at dozens 861 01:10:00.760 --> 01:10:03.800 of insurance companies find out now three all three seven seven one help. You'll 862 01:10:03.880 --> 01:10:08.600 think you're his only customer when you choose Frank durand the Real estate Man dot 863 01:10:08.720 --> 01:10:13.439 com to list your home with Remax Alliance three all three nine two zero sixteen 864 01:10:13.479 --> 01:10:27.439 twenty two. Yeah. Rit News need advis so you don't have the come 865 01:10:27.600 --> 01:10:32.520 running just as fast as we can. Shooter's gonna help. Come man. 866 01:10:33.359 --> 01:10:41.159 This is the Troubleshooter Show. No Tom Martino time, Tom Martino here. 867 01:10:41.279 --> 01:10:45.359 Welcome to the show. Three oh three seven one three talk is our number 868 01:10:45.560 --> 01:10:47.880 or three all three Martino, and you can call that twenty four to seven, 869 01:10:47.960 --> 01:10:49.840 leave a message, we'll get back to you, or you can come 870 01:10:49.920 --> 01:10:54.279 right live on the studio when we're on the air three oh three Martino three 871 01:10:54.319 --> 01:10:57.600 O three sixty two seven eight four sixty six. This hour brought to you 872 01:10:57.720 --> 01:11:00.359 by Fixed at twenty four to seven. When I tell you they have the 873 01:11:00.479 --> 01:11:04.640 best cleaning system when it comes to air and heat and HVAC systems, they 874 01:11:04.920 --> 01:11:08.680 get the dirt out, the number one killer fix It twenty four to seven. 875 01:11:08.760 --> 01:11:13.520 Fix at home dot Com just thirty nine bucks, a practical refurbishment of 876 01:11:13.600 --> 01:11:15.840 the entire system. Now, somebody said, Tom, you know, don't 877 01:11:15.920 --> 01:11:18.600 these companies just want to get in your home and tell you something. Now, 878 01:11:18.600 --> 01:11:20.359 I'm going to tell you something. They do want to get in your 879 01:11:20.359 --> 01:11:24.039 home. They do want to become your company. But they don't want to 880 01:11:24.079 --> 01:11:26.159 fix something. They don't want to replace it if they don't have to. 881 01:11:26.279 --> 01:11:29.920 They want to leave you with a great impression of thirty nine bucks. Now, 882 01:11:30.000 --> 01:11:33.159 this is for most legit companies that have specials, but especially this one. 883 01:11:33.399 --> 01:11:36.000 Now, but here's the deal. If they do find something wrong, 884 01:11:36.199 --> 01:11:40.399 they want to tell you you have a choice but if you ever have a 885 01:11:40.520 --> 01:11:45.720 question about anything, ever, when it comes to any kind of loss leader 886 01:11:45.000 --> 01:11:49.800 or deals for any company, no matter who it is, what you should 887 01:11:49.840 --> 01:11:56.920 do is basically get a second opinion or ride or ride it for a while. 888 01:11:56.960 --> 01:12:00.479 I mean, unless something is urgent and you don't have poison spewing into 889 01:12:00.520 --> 01:12:03.800 your home, or when it comes to your water heater you don't have leaking, 890 01:12:04.039 --> 01:12:08.520 and you don't have big problems, then take it one step at a 891 01:12:08.600 --> 01:12:13.199 time, for all home services, for all mechanical issues, for all problems. 892 01:12:13.840 --> 01:12:18.560 Anyway. That's that's my little two cents there now, Steve, welcome, 893 01:12:19.039 --> 01:12:21.920 appreciate you calling, and anyone else who wants to call give us a 894 01:12:21.960 --> 01:12:25.920 call right now. Three oh three seven one three talk seven one three eight 895 01:12:25.920 --> 01:12:28.880 two five five he wants to talk about an HOA, Go ahead, Steve, 896 01:12:30.319 --> 01:12:32.319 Well, thanks for taking our call. Sir. We have lived in 897 01:12:32.359 --> 01:12:35.880 this home about the seven years and four and a half years ago, we 898 01:12:36.079 --> 01:12:42.119 wrote a detailed letter to our HOA about their property that's adjacent to our backyard. 899 01:12:43.159 --> 01:12:47.039 We gave them pictures, showed them plants that had died. It's just 900 01:12:47.119 --> 01:12:53.600 gotten worse last eighteen months where a sizable portion of our backyard. We've lost 901 01:12:53.640 --> 01:13:00.520 about ten plants. And if the erosion of their property are they just totally 902 01:13:00.640 --> 01:13:03.680 not maintaining it all this time. It's been four and a half years. 903 01:13:05.279 --> 01:13:09.159 They have not changed it at all. In four and a half years. 904 01:13:09.239 --> 01:13:14.079 It's got quite a slope and it drained straight into our sideyard and then last 905 01:13:14.159 --> 01:13:20.640 year during the heavy rainstorms, it contributed to helping flood our basement. Okay, 906 01:13:20.800 --> 01:13:28.319 so it's really have you talked to the neighbors. Well, the Ahoa 907 01:13:28.560 --> 01:13:30.680 is our neighbor in this case, they own the piece of property adjacent to 908 01:13:30.840 --> 01:13:34.239 us. Wait a minute, Wait a minute, So it is not a 909 01:13:34.399 --> 01:13:41.159 residence. I know it's hoa property, but when you say, ha property, 910 01:13:41.800 --> 01:13:44.880 is it a swimming pool? Is it a clubhouse? Is it? 911 01:13:45.039 --> 01:13:48.039 What? What is it? Common area? What is it? It's just 912 01:13:48.199 --> 01:13:59.000 a piece of dirt, open space. So it's common uncommon area. Yeah, 913 01:13:59.079 --> 01:14:05.439 it's uncommon You no one uses it? Really? Okay? So okay, 914 01:14:10.479 --> 01:14:14.840 so it's the ho's property, which means part of your property. What's 915 01:14:14.920 --> 01:14:19.520 going on again? Like, what like what are they doing about it anything? 916 01:14:19.560 --> 01:14:23.840 I mean you would think they'd want to fix it, right? Well 917 01:14:23.920 --> 01:14:27.840 you think so? Again, we tried a few years ago, and then 918 01:14:27.880 --> 01:14:30.960 we just tried again about ninety days ago. We asked them to come out 919 01:14:31.039 --> 01:14:34.680 and look at it, and it was getting so bad they brought out a 920 01:14:34.800 --> 01:14:41.600 landscaping company. The landscaping company thought that, you know, during the discussion 921 01:14:41.640 --> 01:14:45.279 it needed to be repaired. But when it went to the board meeting, 922 01:14:45.359 --> 01:14:47.279 this last is your house the only one? Is your house the only one 923 01:14:47.279 --> 01:14:56.640 affected by this it is? And what specifically did you have an expert look 924 01:14:56.680 --> 01:14:59.760 at it? Like, is anyone telling you specifically what's wrong with it? 925 01:15:00.800 --> 01:15:05.640 It's just poorly grated. We started, Is there grass? What's on it 926 01:15:05.720 --> 01:15:10.199 right now? Is it dirt? What is it? You know? I 927 01:15:10.279 --> 01:15:15.560 think at one time it was just weed and so forth, But because of 928 01:15:15.079 --> 01:15:20.640 the size of the slope, it's just erode it into nothing but a large 929 01:15:20.760 --> 01:15:27.880 swaths of dirt and so nothing's holding back to dirt from pouring onto our property. 930 01:15:29.520 --> 01:15:32.039 Okay, did you know that you could go to the county about that? 931 01:15:33.840 --> 01:15:38.279 You know, I did that actually, and the county came out and 932 01:15:38.479 --> 01:15:45.159 sent several emails, and uh, once the HOA got involved, they said 933 01:15:45.159 --> 01:15:50.520 it was their private property. But the county did believe that it needed to 934 01:15:50.560 --> 01:15:57.479 be regraded and now several of years ago. Why why is the HUA just 935 01:15:57.640 --> 01:16:00.399 resistant? Do you have an active board? Do you have a man management 936 01:16:00.479 --> 01:16:04.439 company? We do have a management company, and I don't know if the 937 01:16:04.560 --> 01:16:09.359 board is active and knowledgeable, but well, what do you do? They 938 01:16:09.439 --> 01:16:14.479 have meetings? Does the HUA board have meetings? They do? I believe 939 01:16:14.520 --> 01:16:16.560 it every other month. I went to a meeting four and a half years 940 01:16:16.560 --> 01:16:20.039 ago, gave him my rule. That's not going to help you obviously, 941 01:16:20.159 --> 01:16:25.000 have to go again. There's probably even different officers, and you're gonna have 942 01:16:25.039 --> 01:16:29.359 to threaten legal action. I don't know what else to do, man, 943 01:16:29.560 --> 01:16:36.359 I mean, we can call them for you. But has of all the 944 01:16:36.439 --> 01:16:43.520 problems we handle, hoas are the worst because no one cares. If there's 945 01:16:43.640 --> 01:16:48.359 no one person who is the HOA, so no one cares about any part 946 01:16:48.439 --> 01:16:53.640 of it any There's not one HOA that I know of where people care. 947 01:16:54.119 --> 01:16:57.279 They they say they care, but they don't. They all care about certain 948 01:16:57.399 --> 01:17:01.399 things. No one cares that as a community. The management companies, especially 949 01:17:01.439 --> 01:17:06.239 you don't care. Management companies simply want to keep the HA quiet and peaceful 950 01:17:06.319 --> 01:17:13.159 so they can collect their fees. That no one no one and I mean, 951 01:17:13.640 --> 01:17:16.880 no one wants to address HA issues, No one, they don't. 952 01:17:17.079 --> 01:17:21.439 There's they that the officers want to avoid it, and the management company wants 953 01:17:21.479 --> 01:17:27.439 to avoid it. It's the sheer nature of the operation. So what you 954 01:17:27.600 --> 01:17:31.960 have to do is upset the status quote. You literally have to upset the 955 01:17:32.039 --> 01:17:36.359 status quote. Now, one of the unfortunate things is that if you had 956 01:17:36.600 --> 01:17:42.800 an attorney write a letter to the HA threatening legal action if they continue to 957 01:17:42.960 --> 01:17:45.000 damage your property, you're going to have to show damages and all that, 958 01:17:45.199 --> 01:17:49.920 of course, but then if they respond with an attorney, it comes out 959 01:17:49.960 --> 01:17:54.079 of the HA. So you're going to be paying for part, paying for 960 01:17:54.399 --> 01:18:00.479 fighting you. What they should do. What they should do is say, 961 01:18:00.800 --> 01:18:03.359 instead of hiring attorney and fighting you, they should say, what can we 962 01:18:03.479 --> 01:18:10.199 do to correct the situation? But again, they don't act. They react, 963 01:18:10.840 --> 01:18:14.000 so honest to God, I'm not just pointing us out to you. 964 01:18:14.680 --> 01:18:18.399 It's just the nature of the beast. No one cares. No one does. 965 01:18:19.119 --> 01:18:24.439 And frankly, when the people are on the board who think they care, 966 01:18:25.199 --> 01:18:30.720 they get discouraged too because they suddenly find out that no one cares. 967 01:18:31.199 --> 01:18:34.239 And so they're thinking, well, I'm on the board and none of the 968 01:18:34.319 --> 01:18:38.960 members care, so we don't care. I mean, they may have brought 969 01:18:39.000 --> 01:18:43.720 it up with each other and they don't want to spend the money. It's 970 01:18:44.039 --> 01:18:49.159 just the weirdest thing in the world. Some you know, here's the thing. 971 01:18:50.000 --> 01:18:57.399 Who's your management company? What's the name of them? It's Canterbury Crossley 972 01:18:57.560 --> 01:19:02.079 is the Homeowners' Association. The management company is a local company downtown Parker. 973 01:19:04.079 --> 01:19:10.600 Have you ever gone in to visit the management company? Actually, I've talked 974 01:19:10.680 --> 01:19:16.760 to the head of the management company and also he sent out a management person 975 01:19:16.800 --> 01:19:23.239 about three months ago, and what did they say. You know, they 976 01:19:23.279 --> 01:19:28.000 said they would take it to the board. They had the landscape company come 977 01:19:28.039 --> 01:19:30.880 out here and meet them. And during those discussion, I was fairly encouraged 978 01:19:30.880 --> 01:19:38.439 because the management or the landscape company, what happens. What happened basically on 979 01:19:38.560 --> 01:19:41.560 Monday night, they met and they decided that they're not going to do anything. 980 01:19:42.359 --> 01:19:45.000 Okay, that's what we got to man. Then then they aren't ignoring 981 01:19:45.079 --> 01:19:48.600 you. You got your answer. They're not going to do anything. And 982 01:19:49.000 --> 01:19:54.640 by the way, that is exactly what's supposed to happen. They're supposed to 983 01:19:55.079 --> 01:20:00.399 talk to an expert. Then they're supposed to meet amongst themselves and make a 984 01:20:00.479 --> 01:20:04.720 decision. And so they are handling this. They have decided it is not 985 01:20:04.880 --> 01:20:13.840 an issue they hand unfortunately for us. But that's not what I heard during 986 01:20:13.960 --> 01:20:16.119 the meeting with the landscape company. He could see all the damage being done. 987 01:20:16.199 --> 01:20:20.960 Yeah, but they decided not to do anything right right, Well, 988 01:20:21.159 --> 01:20:25.079 they have a choice. They can do that. I'm not saying it's right, 989 01:20:25.159 --> 01:20:27.239 by the way. I hope you don't hear me saying that. But 990 01:20:27.439 --> 01:20:30.640 what I'm saying is you live under their rules and they say, now there 991 01:20:30.720 --> 01:20:36.439 is no problem. Now you disagree. But when you disagree and they don't 992 01:20:36.479 --> 01:20:42.399 agree with your disagreement, that's why it's a disagreement. You have to take 993 01:20:42.479 --> 01:20:47.840 it to an outside arbiter. And if either arbitration, if that's what you 994 01:20:48.000 --> 01:20:53.000 assigned up for, or you sue them. There is no other answer. 995 01:20:53.880 --> 01:20:56.840 They've already handled it. I thought they weren't handling it. We were going 996 01:20:56.920 --> 01:20:59.119 to call and try to light a fire under and to look at it. 997 01:20:59.199 --> 01:21:02.359 They've already looked at it. Now you can use in your lawsuit. You 998 01:21:02.560 --> 01:21:09.199 can use the landscaper. What did the landscaper say it would take to fix 999 01:21:09.279 --> 01:21:13.680 it? How much did you find out? He never gave us the price. 1000 01:21:13.800 --> 01:21:17.279 He just talked about how he would go about fixing the issue. Get 1001 01:21:17.319 --> 01:21:23.039 a price. You're gonna before you do anything. You need a damage And 1002 01:21:23.159 --> 01:21:30.720 your insurance company did they subrogate against the HOA when your flooding happened. You 1003 01:21:30.800 --> 01:21:33.439 know, we ended up doing most of the cleanup, and then all we 1004 01:21:33.520 --> 01:21:38.199 had to do was replace about a twelve x twelve piece of carpet for four 1005 01:21:38.279 --> 01:21:41.760 hundred bucks. Okay, well, then you're lucky. What you ought to 1006 01:21:41.840 --> 01:21:45.479 do right now is get a price on what it would take to correct that 1007 01:21:45.640 --> 01:21:53.039 drainage, a real solid price. Then your attorney presents to the HOA the 1008 01:21:53.199 --> 01:22:00.720 choice of paying that and getting it done or being sued. It's, unfortunately 1009 01:22:00.840 --> 01:22:04.880 what you have to do. And then you know and then and then you 1010 01:22:04.960 --> 01:22:10.800 can stay in touch with us each step of the way. But sometimes it 1011 01:22:10.920 --> 01:22:15.920 sounds like a pain in the Assteve. But it's something that once you start 1012 01:22:15.199 --> 01:22:20.159 might just they might just have enough common sense to say, let's fix it. 1013 01:22:21.079 --> 01:22:24.720 Like what if it's only going to take five thousand dollars to fix it? 1014 01:22:24.920 --> 01:22:27.680 I don't know. I would call the landscaper and see if they'll, 1015 01:22:27.840 --> 01:22:31.039 if he'll give you an idea of how much, all right? And then 1016 01:22:31.399 --> 01:22:35.439 when you always put here's the quickest way to a solution. You present a 1017 01:22:35.560 --> 01:22:44.039 problem and then a solution. And if you present just the problem and the 1018 01:22:44.119 --> 01:22:48.239 solution is wide open, they don't like it. So give me a call 1019 01:22:48.319 --> 01:22:51.520 back and let me know what happens. Three oh three seven one three talk 1020 01:22:53.159 --> 01:22:58.399 seven one three eight two five five eight eight eight heating dot com The risk 1021 01:22:58.520 --> 01:23:02.399 free service fee twenty eight bucks. Get any one item plumbing item, electrical 1022 01:23:02.479 --> 01:23:08.439 item, HVAC items serviced and checked twenty eight dollars. If you need any 1023 01:23:08.560 --> 01:23:12.520 serious stuff going on here, they'll credit you the twenty eight but it's risk 1024 01:23:12.560 --> 01:23:21.239 free. That's all you pay eight eight eight heating dot com. Go with 1025 01:23:21.359 --> 01:23:26.479 a sure thing Denver's best roofer Excel Roofing dot Com. You don't pay a 1026 01:23:26.600 --> 01:23:33.479 cent until you're content. Time for an insurance check up free no obligation comparison 1027 01:23:33.680 --> 01:23:39.720 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 1028 01:23:39.800 --> 01:23:42.840 now three all three seven to seven to one help. You'll think you're his 1029 01:23:43.039 --> 01:23:45.960 only customer when you choose Frank Durand the real estate man dot com to list 1030 01:23:46.039 --> 01:23:50.479 your home with Remax Alliance three all three nine two zero sixteen twenty two. 1031 01:23:59.560 --> 01:24:02.199 Tom Martino here three h three seven to one to three talk three all three 1032 01:24:02.920 --> 01:24:06.520 seven to one three eight two five five. We have Compass Insurance Group with 1033 01:24:06.640 --> 01:24:11.880 us, and my goodness, we've had a lot of insurance calls. And 1034 01:24:11.920 --> 01:24:16.199 now I'm going to go some text messages about insurance. And somebody said, 1035 01:24:16.199 --> 01:24:18.720 Tom, you were going to talk about increases, but you didn't talk about 1036 01:24:18.720 --> 01:24:24.279 it yet. Why. Okay, I know what you're gonna say, losses, 1037 01:24:24.359 --> 01:24:27.880 But does that go for auto and home and everything and around the country, 1038 01:24:28.000 --> 01:24:30.960 Brian, we're talking about around the country. Okay, we're not just 1039 01:24:30.079 --> 01:24:36.279 talking Colorado. So let's talk about what's going on around the country. Why 1040 01:24:36.680 --> 01:24:41.880 why why insurance is going crazy? Well, I mean if obviously, if 1041 01:24:41.920 --> 01:24:45.359 we're talking about auto, yeah, let's okay, let's take one at a 1042 01:24:45.439 --> 01:24:47.239 time, whatever you want to do. A big reason for the increases in 1043 01:24:47.319 --> 01:24:51.680 auto is also the increased cost of the vehicles that we're driving. So I 1044 01:24:51.760 --> 01:24:55.720 mean, just look at what the cost of vehicles are. They're going up, 1045 01:24:55.800 --> 01:24:59.840 and the more and more they're becoming like computers, a small fender bender 1046 01:25:00.199 --> 01:25:03.439 is costing substantially more now today than Okay, I can buy that, So 1047 01:25:03.880 --> 01:25:08.119 that's going to have an effect on your insurance rates. It's going to go 1048 01:25:08.359 --> 01:25:12.279 up, you know. And I know we're talking across the country. Uh, 1049 01:25:12.520 --> 01:25:16.159 obviously in Colorado we have added elements to that that is causing our rates 1050 01:25:16.239 --> 01:25:19.600 to go up even more. Guys, there's one word for this, and 1051 01:25:19.680 --> 01:25:25.880 you both know what it is. Inflation. Bidenomics. Do you think so, 1052 01:25:26.079 --> 01:25:28.680 Mark? Really? I mean, what do you think Brian not been 1053 01:25:28.720 --> 01:25:32.560 getting but our current economic client. I don't know if that if that is 1054 01:25:32.640 --> 01:25:35.279 it, I don't know. I know it's not COVID anymore, is it? 1055 01:25:35.359 --> 01:25:40.159 What is it? Well, I I'm going off of with Colorado. 1056 01:25:40.319 --> 01:25:42.960 If you're there was actually an article and I wish I would have pulled it 1057 01:25:43.079 --> 01:25:47.079 up in Denver posts just uh maybe a month ago, a couple months ago, 1058 01:25:47.239 --> 01:25:50.920 talking about how Colorado rates have just gone nuts here, Okay, so 1059 01:25:51.079 --> 01:25:57.439 that's not bidenomics. Colorado. Colorado. Colorado has had more hail losses to 1060 01:25:57.640 --> 01:26:00.880 vehicles. They're number two in the entire country, right behind Texas. So 1061 01:26:01.000 --> 01:26:06.039 they've had more losses as a result of hail than any other state in the 1062 01:26:06.079 --> 01:26:10.880 country other than Texas. So you're going to see that that's going to have 1063 01:26:10.960 --> 01:26:15.479 an effect on your rate as well. So in Colorado it's higher than the 1064 01:26:15.439 --> 01:26:18.800 country. And how about the thirty five percent of people that aren't even covered 1065 01:26:18.840 --> 01:26:24.920 with auto insurance in the state of Colorado and the sixty percent plus that are 1066 01:26:25.000 --> 01:26:28.520 actually undercovered. How about, if we change right, are not covered at 1067 01:26:28.520 --> 01:26:31.319 all? Which, Mark, you're exactly right. Another piece to what you're 1068 01:26:31.359 --> 01:26:34.840 seeing your where you're seeing your rates go up is on the uninsured motorists. 1069 01:26:35.000 --> 01:26:42.520 Right, So far, so far in twenty twenty four, the number one, 1070 01:26:43.560 --> 01:26:47.720 New York has the highest rates. Florida is number two, Louisiana is 1071 01:26:47.840 --> 01:26:53.680 number three, Colorado's four. Wow, yeah, number four in the top 1072 01:26:53.880 --> 01:26:59.039 five. Oh my god. And that's because ours can be tied to hail 1073 01:26:59.119 --> 01:27:02.199 damage. That's pail damage is and fires. Let's not forget fire, but 1074 01:27:02.359 --> 01:27:05.479 not cars though, Mark, We're not talking to houses now, but cars. 1075 01:27:05.800 --> 01:27:10.640 Yeah. Yeah, And then okay, what about homes? What about 1076 01:27:10.680 --> 01:27:15.000 homes? Well, home insurance still are we number five? Are we? 1077 01:27:15.039 --> 01:27:18.319 I just saw the thing that said number four underneath auto insurance. I'm not 1078 01:27:18.439 --> 01:27:21.680 sure about home insurance. What where are rates compared to the entire nation. 1079 01:27:21.760 --> 01:27:26.880 But I guarantee you it's it's up there. It's up there, and costs 1080 01:27:26.880 --> 01:27:29.319 it's not going to be as much as Florida. Okay, we're gonna find 1081 01:27:29.359 --> 01:27:34.399 out in a second year. I'm asking Professor Bying. So really, Oklahoma, 1082 01:27:34.680 --> 01:27:39.279 Kansas, Nebraska, guess what Florida, Colorado, there there, there 1083 01:27:39.319 --> 01:27:43.920 we are And that's all because of weather. That's all hail and tornadoes. 1084 01:27:43.960 --> 01:27:46.479 And in Mark's right, there is fire, but fire is even though it 1085 01:27:46.880 --> 01:27:51.039 dominates the news a lot of times. And there are places that are hard 1086 01:27:51.079 --> 01:27:56.680 to get insurance period. What drives the said Colorado is one of those. 1087 01:27:56.960 --> 01:28:00.119 Yeah, what drives the rates in Colorado for home insurance too is hail. 1088 01:28:00.279 --> 01:28:04.920 Hail is what they say here in Colorado. Wildfires and hale are the two 1089 01:28:05.000 --> 01:28:15.039 biggest ones. Yep, wildfires and hal now in Florida. Hurricanes in Nebraska. 1090 01:28:15.279 --> 01:28:21.560 Hmm, it says similar to Kansas and Kansas is basically they don't give 1091 01:28:21.600 --> 01:28:25.840 a specific it must just be weathered. Well yeah, I mean you think 1092 01:28:25.880 --> 01:28:30.119 of tornadoes, tornadoes are isolated. I know that what tornadoes offense to me. 1093 01:28:30.359 --> 01:28:35.199 I don't understand tornadoes because they're isolated, although they do devastating damage right 1094 01:28:35.439 --> 01:28:41.760 hit and then Oklahoma is the same, Oklahoma, Kansas, Nebraska, they're 1095 01:28:41.800 --> 01:28:45.640 all they're all right up there and and they're they're a close top five by 1096 01:28:45.680 --> 01:28:50.039 the way, So it's it's a tough business. How does this make your 1097 01:28:50.479 --> 01:28:54.760 your business difficult right now? Well, people are getting pissed off and you 1098 01:28:54.840 --> 01:28:57.239 got to find them a deal. But you can't find them a deal three 1099 01:28:57.359 --> 01:28:59.439 or three seven to one three talk. By the way, if you guys 1100 01:28:59.479 --> 01:29:01.479 have a problem question, complain or you have an insurance issue, go ahead. 1101 01:29:01.600 --> 01:29:04.880 Yeah. The biggest struggle we have right now is that there's a lot 1102 01:29:04.960 --> 01:29:10.840 of carriers that have really made it clear they don't want to grow in Colorado 1103 01:29:10.960 --> 01:29:14.399 right now. A lot of them have shut down business. They won't even 1104 01:29:14.479 --> 01:29:16.920 take new business. So we have customers that will call or we'll reach out 1105 01:29:16.960 --> 01:29:20.640 to them at renewal and say, listen, here's your rate. We couldn't 1106 01:29:20.680 --> 01:29:25.760 look at other options, but it might cause a higher deductible. We need 1107 01:29:25.800 --> 01:29:29.720 an insurance pool. At some point where they're talking about takes over. They're 1108 01:29:29.720 --> 01:29:33.000 talking about it but specifically for the fire risk areas, and they but it's 1109 01:29:33.039 --> 01:29:38.079 a very limited amount of coverage, and it's it's only covering fire, so 1110 01:29:38.159 --> 01:29:43.720 you still have to have insurance. Well you also have that for hail companies 1111 01:29:43.760 --> 01:29:46.000 start pulling out, you would have to. Yeah. I don't see Colorado 1112 01:29:46.159 --> 01:29:50.000 having some kind of pool together for hail damage. What I see. I 1113 01:29:50.119 --> 01:29:55.560 see hailproof roofs as being the only standard. Yeah. Yeah, like Mark, 1114 01:29:55.800 --> 01:30:01.079 you have that roof there wa right, it it hail and just absolutely 1115 01:30:01.159 --> 01:30:05.840 nothing happens to it. Your your roof can can take the impact? Yeah, 1116 01:30:05.880 --> 01:30:10.439 and I is that right roof can't take it. It's catastrophic, That's 1117 01:30:10.479 --> 01:30:13.520 what I mean. Yeah, yours, And I'm just wondering if more and 1118 01:30:13.600 --> 01:30:15.279 more people are going to go to that kind of roof. And mine's in 1119 01:30:15.439 --> 01:30:19.520 essence heals prop too when you talk tile stone. Yeah, Well, the 1120 01:30:20.159 --> 01:30:24.439 problem with the hail proof stuff is most people aren't going to come out of 1121 01:30:24.520 --> 01:30:29.520 pocket like my roof would have been, I don't know, seventy eighty thousand 1122 01:30:29.680 --> 01:30:32.800 for a normal class four. This stuff is double in more so, so, 1123 01:30:32.920 --> 01:30:35.359 I mean, most people aren't going to pay for that. It's a 1124 01:30:35.479 --> 01:30:40.880 problem. Brian, No, you're right, but if because it for that, 1125 01:30:41.560 --> 01:30:44.520 but if it gets to the point where you're paying for your own roof. 1126 01:30:44.640 --> 01:30:47.920 In the case of a loss, you're going to do things to Mark 1127 01:30:48.039 --> 01:30:50.960 where it's not going to happen as frequently. So, Mark, what is 1128 01:30:51.119 --> 01:30:58.279 the So the upgrade on that was basically double Yeah, it's a little more 1129 01:30:58.359 --> 01:31:04.039 than double. Wow. And now what do they say about premium? Did 1130 01:31:04.119 --> 01:31:10.399 you save? Did you could you calculate that? Well, the premium doesn't. 1131 01:31:10.640 --> 01:31:15.119 The reason the reason it changes is because you up the deductible. That's 1132 01:31:15.159 --> 01:31:20.800 why very high deductible they don't just because they do, though you get a 1133 01:31:20.880 --> 01:31:25.000 reward for it. But Mark, you're right, the bulk of your savings 1134 01:31:25.079 --> 01:31:28.000 is going to be the fact that you don't care if you take a twenty 1135 01:31:28.079 --> 01:31:32.439 thousand deductible anymore because your roof can hold up to this catastrophe. Specifically for 1136 01:31:32.560 --> 01:31:36.119 Hale. Is when I'm talking when in hail deductible, you can raise that 1137 01:31:36.399 --> 01:31:41.079 up because you're not worried about that loss. I say this to people that 1138 01:31:41.199 --> 01:31:45.039 have concrete tile roofs, I say, you know you have the investment already 1139 01:31:45.079 --> 01:31:49.319 in the roof. I would take advantage of that, get your premium lowered 1140 01:31:49.399 --> 01:31:57.680 because the chance of you having we do we see and that's because of the 1141 01:31:58.439 --> 01:32:01.680 the hail proofness if the that'st word of the roof. All right, let's 1142 01:32:01.680 --> 01:32:06.840 go to Bry or deductible by the way of the barrels? Are these both? 1143 01:32:08.039 --> 01:32:10.720 No? I want to go to Brian with the homeowners insurance question. 1144 01:32:10.880 --> 01:32:15.439 First, go ahead, Brian, how are you? Hey? What's happening? 1145 01:32:16.760 --> 01:32:19.880 Hey? So, what we're doing is we are going to be building 1146 01:32:20.960 --> 01:32:26.119 some modular homes. Now, what I'm wondering is when we get them built 1147 01:32:26.239 --> 01:32:30.600 and they're in transport, how are we going to ensure that? All right? 1148 01:32:30.640 --> 01:32:33.359 Hold on, I mean, that's a great question. We're gonna because 1149 01:32:33.479 --> 01:32:38.000 I I that's weird. That's weird. We'll we'll look it up. We'll 1150 01:32:38.039 --> 01:32:41.079 talk about it. Coming up three oh three, seven to one three talk 1151 01:32:41.159 --> 01:32:44.560 that. Brian's next, then Brian another, Brian is after that, and 1152 01:32:44.640 --> 01:32:47.840 then we have Brian Burns with us from Compass Insurance GRIPT Brian Day. Yeah, 1153 01:32:48.079 --> 01:32:58.640 I'm Tom Martine. Go with a sure thing Denver's Best roofer Excel Roofing 1154 01:32:58.760 --> 01:33:04.680 dot com. You don't pay us until you're content. Time for an insurance 1155 01:33:04.800 --> 01:33:09.880 check up, free, no obligation. In comparison, call Compass insurance paying 1156 01:33:09.960 --> 01:33:13.800 too much your coverage at dozens of insurance companies. Find out now three oh 1157 01:33:13.840 --> 01:33:16.560 three seven seven to one help. You'll think you're his only customer when you 1158 01:33:16.680 --> 01:33:20.800 choose Frank durand the real estate man dot com to list your home with Remax 1159 01:33:20.880 --> 01:33:29.079 Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here 1160 01:33:30.039 --> 01:33:34.520 three oh three seven one three talk three oh three seven one three eight two 1161 01:33:34.680 --> 01:33:39.479 five five. So back to Brian. He had a question. He's building 1162 01:33:39.520 --> 01:33:44.359 a home, manufactured home while it's being transported. I want to ask an 1163 01:33:44.359 --> 01:33:47.199 obvious question. Does the transport company have insurance? Well, and it's usually 1164 01:33:47.359 --> 01:33:53.239 who is owner the owner of the house. Usually they don't. You don't 1165 01:33:53.239 --> 01:33:56.319 take ownership until it rerives that you're I don't know, like your land. 1166 01:33:56.600 --> 01:34:00.079 Like Brian, explain that to us. You're gonna have a transported you bought 1167 01:34:00.079 --> 01:34:04.039 it from a company. Do they ensure it until it's set up? But 1168 01:34:04.199 --> 01:34:08.800 we will be the company and we will be shipping them. Now what do 1169 01:34:08.840 --> 01:34:12.199 you mean you will be Oh, wait, you are building, you're in 1170 01:34:12.359 --> 01:34:16.359 the business of building manufactured homes. Well, we're not quite yet, but 1171 01:34:16.479 --> 01:34:18.640 we're getting pretty close. And it's kind of really Now, hold on, 1172 01:34:18.720 --> 01:34:26.079 do you have a factory or starting Uh, essentially, yeah, we're we're 1173 01:34:26.119 --> 01:34:29.720 getting the numbers right now, so we're gonna we're gonna try to start start 1174 01:34:29.760 --> 01:34:31.399 building some manufactured home. How are you going to do it? Are you 1175 01:34:31.479 --> 01:34:34.079 going to do like two pieces? Four pieces? How are you going to 1176 01:34:34.159 --> 01:34:38.640 do it? Actually, these are gonna be two stories and they're gonna be 1177 01:34:38.720 --> 01:34:43.079 three pieces. Very cool man, that's what gave me the idea to do 1178 01:34:43.239 --> 01:34:46.720 this. Well, it's kind of weird because I talked to you about it 1179 01:34:46.840 --> 01:34:53.960 before when we were building sheds and we were we were training the sheds over 1180 01:34:54.079 --> 01:34:59.760 the houses, so it's sort of morphed into this. Okay, so do 1181 01:34:59.840 --> 01:35:04.560 you have your first design? I do, and I'm actually talking with I'm 1182 01:35:04.560 --> 01:35:09.199 getting some architecturals right now. We've got to get some structural details, but 1183 01:35:09.760 --> 01:35:13.359 other than that, we'll be ready to go. And we've found some properties 1184 01:35:13.439 --> 01:35:16.520 that are decently priced to where people can afford them. So we're the only 1185 01:35:16.640 --> 01:35:20.720 problem with the building. The only problem with building it in pieces like that 1186 01:35:20.960 --> 01:35:25.920 is you have to have you have to have actually more structured than you would 1187 01:35:26.079 --> 01:35:29.479 if you built it on site because some of the things you can keep in 1188 01:35:29.640 --> 01:35:34.119 common you can't do while transporting. But right, right, but let me 1189 01:35:34.159 --> 01:35:40.319 ask you this. Do you have a transport company? No, but we 1190 01:35:40.479 --> 01:35:45.920 will be will be supplying transport or no. I understand that, But have 1191 01:35:45.079 --> 01:35:48.880 you talked What I'm getting at is this. Have you talked to transport companies? 1192 01:35:49.800 --> 01:35:54.159 No, talking like APEX or someone we have not? Well, I 1193 01:35:54.239 --> 01:35:59.560 would do that first, so you're not redundant. Many of these transport companies 1194 01:35:59.680 --> 01:36:04.680 have already tackled this. But Brian's too. Yeah. One thing that we 1195 01:36:04.800 --> 01:36:10.239 have to do is we're going to be building the main structure on the actual 1196 01:36:10.399 --> 01:36:18.319 trailer. Why on what trailer? So on Goose Neck trailer will be But 1197 01:36:18.479 --> 01:36:21.119 why why would you do that? Let me ask you? And then how 1198 01:36:21.159 --> 01:36:24.359 do you get it off that trailer? When you get it to the house. 1199 01:36:24.399 --> 01:36:28.319 You crane it. Yeah, we're going to crane it. But why 1200 01:36:28.479 --> 01:36:30.640 build it on the I'm just curious. I'm not I don't know anything about 1201 01:36:30.640 --> 01:36:33.000 this, but why would you do it on there? Is it just easy? 1202 01:36:33.279 --> 01:36:35.880 Is it just one less step? Then? Is that what you're thinking? 1203 01:36:36.880 --> 01:36:40.600 Exactly? So you don't have to get a crane out there to lift 1204 01:36:40.640 --> 01:36:43.840 it onto the trailer. Okay, well that's pretty cool. If you got 1205 01:36:43.880 --> 01:36:45.960 the trailer sitting right next to it, you might as well build it on 1206 01:36:45.079 --> 01:36:47.800 it. No, I mean that's a very good idea. Yeah, yeah, 1207 01:36:47.880 --> 01:36:51.159 yeah. So well, as the builder, you're you're going to have 1208 01:36:51.239 --> 01:36:56.479 to have an insurance policy. Yeah, you'll have to get an insurance policy, 1209 01:36:56.520 --> 01:36:59.760 which we'll have the commercial general liability and property and all that. But 1210 01:36:59.840 --> 01:37:01.479 the transport is going to be a special animal. Well, but it's going 1211 01:37:01.560 --> 01:37:04.359 to be part of his because he's going to be regularly doing this. So 1212 01:37:04.520 --> 01:37:08.960 he's going to just make sure that he has the coverage to protect him up 1213 01:37:09.000 --> 01:37:13.039 to a certain dollar limit of whatever. Or he's protected up to the point 1214 01:37:13.119 --> 01:37:15.439 that it's hooked to that transport company and they might take over, no, 1215 01:37:15.560 --> 01:37:18.680 no doubt. If he can get the transport company to actually take on the 1216 01:37:19.039 --> 01:37:21.720 responsibility, great, If not, he just needs to make sure that his 1217 01:37:21.880 --> 01:37:26.439 policy will extend. Now. You know, I've often said this, Brian, 1218 01:37:26.640 --> 01:37:30.920 that building stuff under strict controls, if you have an environment of strict 1219 01:37:30.960 --> 01:37:32.880 controls, if you're not just stick building it anyway, you're just doing it 1220 01:37:32.920 --> 01:37:36.399 off site. I mean, but if you're doing it to certain standards and 1221 01:37:36.520 --> 01:37:40.760 jigs and all of that, you can actually turn out better quality than stick 1222 01:37:40.800 --> 01:37:45.439 built on site. Sure, well, we have to we have to abide 1223 01:37:45.439 --> 01:37:48.119 by the IRC rules you know anyway, So hurt for HUD or any of 1224 01:37:48.199 --> 01:37:50.319 that. So we're yeah, but you want to go beyond that. I'm 1225 01:37:50.319 --> 01:37:54.560 talking about going beyond that anyway. So are they going to be what price 1226 01:37:55.000 --> 01:37:59.520 like? Like? Are they going to be considered medium kind of homes? 1227 01:37:59.760 --> 01:38:03.600 Higher end homes, fancy homes? What basic homes? So they're not We're 1228 01:38:03.640 --> 01:38:06.119 going to, like I said, we're going to try to keep them as 1229 01:38:06.199 --> 01:38:11.039 affordable as we can so people here in Colorado can't actually buy them because it's 1230 01:38:11.039 --> 01:38:15.079 almost impossible. Now what price point? What price point do you have? 1231 01:38:15.199 --> 01:38:20.840 We're trying to stay within two fifty to two eighty two fifty to two seventy 1232 01:38:20.920 --> 01:38:26.880 five. So if you stay to two seventy five, would that include transport? 1233 01:38:27.000 --> 01:38:30.560 That's a three bedroom that's going to be complete? Is that okay? 1234 01:38:30.640 --> 01:38:36.960 That's on site? Yes, on their foundation, So we're not going to 1235 01:38:38.000 --> 01:38:41.600 be doing foundations. We're going to put these units on case on so that 1236 01:38:41.680 --> 01:38:45.000 we don't have all what if they have a foundation, will you put it 1237 01:38:45.079 --> 01:38:47.800 on their foundation. If they want to put a foundation in, Yeah, 1238 01:38:47.840 --> 01:38:50.359 we can absolutely put on so whatever they want to do. So, if 1239 01:38:50.399 --> 01:38:55.279 they're looking at two seventy five to the site and then you set it up 1240 01:38:55.720 --> 01:38:59.840 and they have a foundation, dirt work, and lot, then they're looking 1241 01:38:59.880 --> 01:39:05.119 at a complete package of five or six hundred probably we're going to try to 1242 01:39:05.199 --> 01:39:09.119 stay under that five or six hundred thousand? Is that what you're saying? 1243 01:39:09.279 --> 01:39:13.039 Well, here, okay, two seventy five for you, the foundation is 1244 01:39:13.119 --> 01:39:16.279 going to be a minimum of twenty five grand it's or more, yeah, 1245 01:39:16.520 --> 01:39:19.359 minim. Then then you have the lot, which is going to be two 1246 01:39:19.479 --> 01:39:24.039 to fifty if it's If it's a lot that's going to allow them to have 1247 01:39:24.199 --> 01:39:28.880 that right, No am I am I exaggerating? I don't think so. 1248 01:39:29.119 --> 01:39:31.640 No, that's but we're looking at properties that are more in the twelve thousand 1249 01:39:31.680 --> 01:39:38.039 dollars range. What fees that are are twenty five thousand. So you're you're 1250 01:39:38.079 --> 01:39:43.439 talking about like maybe half acre, quarter acres, Yeah, you know down 1251 01:39:43.479 --> 01:39:45.760 in Peblo, Colorado. Ste No, no, no, now I know 1252 01:39:45.800 --> 01:39:48.479 what you mean. Okay, so you could keep that package to three point 1253 01:39:48.479 --> 01:39:55.199 fifty oh yeah, easily huh, that would be high. Now would you 1254 01:39:55.399 --> 01:39:58.520 include the lot or will people call you with their own lot and their own 1255 01:39:58.960 --> 01:40:00.640 dirt work? Well, well, that's that's what we're doing. We're sort 1256 01:40:00.640 --> 01:40:03.920 of doing a spec to start. We're going to do it all ourselves, 1257 01:40:04.000 --> 01:40:10.399 figure out, you know, all of the everything incorporated into it for pricing, 1258 01:40:10.880 --> 01:40:12.640 and we're going to go from there. But we're going to try to 1259 01:40:12.680 --> 01:40:16.760 stay under two seventy five. What name are you giving the company? So 1260 01:40:16.920 --> 01:40:24.880 it's going to be called Cubic Hose. Yeah, okay, all right, 1261 01:40:25.560 --> 01:40:29.840 Hey, keep in touch with us. I'd like to know how it goes. 1262 01:40:30.319 --> 01:40:33.520 I love entrepreneurialism. I love it. Sure, I appreciate it, 1263 01:40:33.920 --> 01:40:39.239 all right, And so bottom line, as Brian said, there will be 1264 01:40:39.720 --> 01:40:43.760 general liability insurance and a certain amount up to a point. They may or 1265 01:40:43.800 --> 01:40:45.920 may not cover transport unless you include that, but you may not have to 1266 01:40:46.439 --> 01:40:49.720 if you call a transport company and they've already done this before and have the 1267 01:40:49.800 --> 01:40:54.039 insurance. We got more coming right up. Michael wants to talk about a 1268 01:40:54.119 --> 01:40:58.039 car accident. Brian wants to talk about the other Brian's social security and we'll 1269 01:40:58.079 --> 01:41:06.039 have that right after this. Go with a sure thing Denver's best roofer Excel 1270 01:41:06.159 --> 01:41:13.880 Roofing dot com. You don't pay a cent until you're content. Time for 1271 01:41:13.960 --> 01:41:18.920 an insurance checkup free no obligation comparison call Compass Insurance paying too much your coverage 1272 01:41:18.920 --> 01:41:24.119 at dozens of insurance companies find out now three all three seven seven one help. 1273 01:41:24.319 --> 01:41:27.840 You'll think you're his only customer when you choose Frank durand the real estate 1274 01:41:27.960 --> 01:41:31.359 Man dot com to list your home with Remax Alliance three all three nine two 1275 01:41:31.439 --> 01:41:45.279 zero sixteen twenty two. Sir, Hi, Tom Martino, you're a troubleshooter. 1276 01:41:45.399 --> 01:41:48.720 Three oh three seven one three talk three oh three seven one three eight 1277 01:41:48.800 --> 01:41:55.039 two five five. Welcome to the show, and let's talk now to Mike 1278 01:41:55.600 --> 01:41:59.520 to Brian of our Social Security Brian, you have a question, Go ahead, 1279 01:41:59.560 --> 01:42:04.159 Brian, I'll go on, Tom good Man, what's happening? Okay. 1280 01:42:05.199 --> 01:42:12.520 I'm attempting to record a death with my mother in law, so I 1281 01:42:12.600 --> 01:42:17.760 called Social Security because I'm still getting medical federal benefits. She passed away in 1282 01:42:17.800 --> 01:42:21.640 December, and I've been trying to call Social Security, but all I get 1283 01:42:21.920 --> 01:42:26.960 is a recorded line saying you gotta wait on hold. He stead stay on 1284 01:42:27.039 --> 01:42:30.159 hold. For hour and a half and then finally it gets to a point 1285 01:42:30.199 --> 01:42:32.840 where you say to leave your name and number and we'll call you back because 1286 01:42:32.840 --> 01:42:40.119 of done forcine call volume. So you're trying to she's still getting Social Security? 1287 01:42:41.399 --> 01:42:45.239 Correct? Have you been keeping that money in an account? Yes? 1288 01:42:45.800 --> 01:42:50.399 Good? In a savings account account? Good. I just don't know. 1289 01:42:50.600 --> 01:42:54.319 I mean, do I take off a company because they're going to eventually when 1290 01:42:54.359 --> 01:42:57.760 they find out, they're going to claw it back anyway, So what should 1291 01:42:57.800 --> 01:43:00.239 you do? I would if I were you? First of about your mother 1292 01:43:00.279 --> 01:43:04.640 in law? So who's the legal representative of your wife? My wife? 1293 01:43:04.720 --> 01:43:11.319 Yeah, she needs to make an appointment with Social Security, probably because it's 1294 01:43:11.439 --> 01:43:15.479 hell on the phone, it really is. It just sucks, Okay, 1295 01:43:15.800 --> 01:43:21.560 I mean has she tried to do that and not? Well, she recently 1296 01:43:21.640 --> 01:43:26.079 had to make an appointment for GMV because that's the only way you can get 1297 01:43:26.119 --> 01:43:29.279 in there get a new license. So she'll have to. Yeah, I'll 1298 01:43:29.279 --> 01:43:31.359 have to set her up for that and see when exactly they can come see 1299 01:43:31.359 --> 01:43:36.640 her. Now, another thing on the same item, the healthcare facility that 1300 01:43:36.720 --> 01:43:41.159 she was at, the assistant care where she passed away at. We've been 1301 01:43:41.199 --> 01:43:45.479 trying to get an itemized statement of what the last month charges were, because 1302 01:43:45.520 --> 01:43:49.640 it's different than what she was typically paying. What do you mean how much 1303 01:43:49.760 --> 01:43:56.399 off is it? Well, it's about seven hundred dollars. She paid seven 1304 01:43:56.520 --> 01:44:00.680 hundred more than she was normally paying. That's what they're asking for. They're 1305 01:44:00.720 --> 01:44:04.039 asking for twenty three hundred, but she normally pays about fourteen to fifteen hundred 1306 01:44:04.439 --> 01:44:10.039 for What is this for a month or what one month? Correct? Well, 1307 01:44:10.119 --> 01:44:15.840 it's because of unless she died perfectly, she has notice required and they'll 1308 01:44:15.920 --> 01:44:20.840 charge you per diem. Okay, Although I'm trying to get a hold of 1309 01:44:20.840 --> 01:44:27.479 them. I've left multiple messages at the accounting department and we even got a 1310 01:44:27.560 --> 01:44:30.800 live person one and they said, oh yeah, well, we'll boss an 1311 01:44:30.800 --> 01:44:36.720 information very unlikely that she died perfectly on thirty days notice. Sometimes it's sixty 1312 01:44:36.800 --> 01:44:41.920 days notice. Hold on, though I have information on reporting at death as 1313 01:44:41.960 --> 01:44:45.960 well. We'll come back to you. And also Michael wants to know about 1314 01:44:45.960 --> 01:44:49.319 an auto accident. Hang on, I'm Tom Martine more coming up on the 1315 01:44:49.439 --> 01:44:56.159 Troubleshooter Show. Go with a Sure Thing, Denver's Best Rufer excel roofing dot 1316 01:44:56.279 --> 01:45:01.319 com. You don't pay a cent until you're content, Leave on time for 1317 01:45:01.399 --> 01:45:06.279 an insurance check up free, no obligation comparison call Compass Insurance. Pay too 1318 01:45:06.359 --> 01:45:11.239 much your coverage at dozens of insurance companies. Find out now three oh three 1319 01:45:11.399 --> 01:45:15.159 seven seven to one help. You'll think you're his only customer when you choose 1320 01:45:15.199 --> 01:45:18.600 Frank durand the real estate Man dot com to list your home with Remax Alliance 1321 01:45:18.880 --> 01:45:31.439 three oh three nine two zero sixteen twenty two. Ripped of news, need 1322 01:45:31.520 --> 01:45:38.439 advice? Who you don't have? Run anxious as fast as you can. 1323 01:45:39.319 --> 01:45:45.800 Shooter's gonna help. Come man, This is the Troubleshooter Show. Now Tom 1324 01:45:45.880 --> 01:45:53.600 Martino, Hi, Tom Martino Here three O three seven one three talks seven 1325 01:45:53.640 --> 01:45:58.079 one three eight two five five. Welcome to the show. This hour brought 1326 01:45:58.119 --> 01:46:02.760 to you by Grossmanwellness dot Com. Grossman is where I go and every three 1327 01:46:02.800 --> 01:46:09.000 months get bloodwork, get my prescriptions, get my supplements, all under one 1328 01:46:09.359 --> 01:46:15.960 plan monthly wellness and blood work. All of it's included with a low monthly 1329 01:46:16.039 --> 01:46:18.560 fee. I say, lois a few hundred bucks a month, depending on 1330 01:46:18.640 --> 01:46:25.800 your plan. Three h three two three three forty two forty seven. Grossmanwellness 1331 01:46:25.840 --> 01:46:30.840 dot Com welcome to the show. Speaking of health, they also have doctor 1332 01:46:30.960 --> 01:46:34.399 Joel Cherdack with me at Denver Regen dot com, which is doing compound as 1333 01:46:34.399 --> 01:46:40.880 semiglue tide and tersepetide for weight loss. Let's talk to Esther. She has 1334 01:46:40.960 --> 01:46:45.359 a tiny homes advice or she wants advice on tiny homes. That's a new 1335 01:46:45.439 --> 01:46:51.319 trend of course in around the country, smaller homes, tiny homes that are 1336 01:46:51.520 --> 01:46:57.560 really really kind of cool. Anyway, go ahead, Esther, what did 1337 01:46:57.600 --> 01:47:00.760 you want to know about? I just don't know where to try. And 1338 01:47:00.800 --> 01:47:03.920 to be honest, I mean, we've got we went and checked out a 1339 01:47:05.079 --> 01:47:08.880 n r V, A r V what do you call it? A park 1340 01:47:10.119 --> 01:47:14.000 in mantras and mantras. I'm like, oh my gosh, I'm not from 1341 01:47:14.119 --> 01:47:17.000 Colorado. I grew up in the San Francisco Bay area. Mantres is funny. 1342 01:47:17.199 --> 01:47:20.920 I was like blown away by oh, oh, it's absolutely beautiful and 1343 01:47:21.159 --> 01:47:27.000 there tell your ride. It's just beautiful. Yeah. Right, So, 1344 01:47:27.600 --> 01:47:30.920 but I didn't like the park. You know, the park was like it 1345 01:47:30.039 --> 01:47:34.840 was like a place you'd go for a vacation. Now, are you talking 1346 01:47:34.880 --> 01:47:39.680 about these tiny homes that are in r V parks that look kind of like 1347 01:47:39.880 --> 01:47:43.560 long and narrow, and they're like they're pine or they're like they look like 1348 01:47:43.680 --> 01:47:47.920 little log cabins. Well, they could be there. There, there's several 1349 01:47:48.359 --> 01:47:53.119 there's several terms that are thrown out there for tiny I've done some research, 1350 01:47:53.600 --> 01:47:58.039 right, like there's what a park model is what we were looking at, 1351 01:47:58.119 --> 01:48:01.119 and it's it's like a like a menu factured. Yeah, that's yeah, 1352 01:48:01.199 --> 01:48:05.039 that's a little different than a tiny home. It's a manufactured home on a 1353 01:48:05.119 --> 01:48:11.439 frame and it's set up in a semi permanent basis in a park. And 1354 01:48:12.479 --> 01:48:16.640 is the exterior kind of like a wood it, Yeah, I think it 1355 01:48:16.800 --> 01:48:20.199 is. You're right, Yeah, they look kind of like little log cabins 1356 01:48:21.279 --> 01:48:26.560 exactly exactly. They can make they make them all in different They're beauty there, 1357 01:48:26.600 --> 01:48:29.159 they're they're kind of some of them are really beautiful. They have some 1358 01:48:29.399 --> 01:48:33.039 up in sues. You've seen some of those up in Breckinridge right where where 1359 01:48:33.119 --> 01:48:38.159 you we used to go and you go Tiger Run. Now, they were 1360 01:48:38.159 --> 01:48:43.239 always called chalets. I'm yeah, they call them different things. They call 1361 01:48:43.319 --> 01:48:47.359 them different things, yeah, right, exactly. And so we've got some 1362 01:48:47.520 --> 01:48:53.359 names of some you know, like manufacture. But I'm like you know, 1363 01:48:53.720 --> 01:48:58.239 the one that's that we were talking looking at is out of Goshen, Indiana, 1364 01:48:58.319 --> 01:49:00.960 And I'm like, what is it called? You know, I don't 1365 01:49:00.000 --> 01:49:06.119 know. It's called gosh, it's k n O p F. But is 1366 01:49:06.199 --> 01:49:14.760 c U pronounced quat k r O p s. But it's spelled ky n 1367 01:49:15.199 --> 01:49:19.479 No, no, k k N I mean yeah, yeah, k k 1368 01:49:21.479 --> 01:49:27.680 r O p S and peter F. Oh okay, yeah, now listen 1369 01:49:28.000 --> 01:49:31.439 here here's what I want to know though, and this is important. This 1370 01:49:31.760 --> 01:49:36.640 Park Model Home. I've seen them before. These are really kind of cute. 1371 01:49:36.800 --> 01:49:43.399 And are you thinking about buying one directly and putting it on your own 1372 01:49:43.600 --> 01:49:49.119 land? What we're thinking about is buying one and putting it on a friend 1373 01:49:49.159 --> 01:49:55.000 who said that we can put it onto land. Oh hold on, but 1374 01:49:55.680 --> 01:49:58.920 okay that I don't want to get into all that. That could be complicated, 1375 01:49:59.000 --> 01:50:00.399 course, because if you have a falling out, you've got to go 1376 01:50:00.520 --> 01:50:04.520 move it. So what is your question about the Craft Model? Yeah, 1377 01:50:04.640 --> 01:50:08.319 I'm just I just don't I have no I mean, everything you look on 1378 01:50:08.359 --> 01:50:12.520 the internet of course about them, they're gonna it's gonna be good. No, 1379 01:50:12.600 --> 01:50:15.600 no, no, they're they're good. No, they're definitely good quality. 1380 01:50:15.640 --> 01:50:20.279 They're good quality. Your problem isn't for what you're getting. How much 1381 01:50:20.840 --> 01:50:26.520 do they want for it? It's one hundred and thirty thousand, Yeah, 1382 01:50:26.720 --> 01:50:30.800 they're they're excellent quality. Okay, for for God's sakes, it's like a 1383 01:50:30.920 --> 01:50:35.920 luxurious motor home, and the motor homes would go for twice or three times 1384 01:50:36.000 --> 01:50:43.600 that or more. I don't think you have a problem with the actual manufacturer 1385 01:50:43.720 --> 01:50:46.840 of this home and the price. The reason there's so reasonably priced is it's 1386 01:50:46.960 --> 01:50:54.399 done under it's it's a manufacturer home, and it's done under controlled circumstances. 1387 01:50:54.800 --> 01:50:58.680 And they're very good quality. They have very they have very good ratings. 1388 01:50:59.199 --> 01:51:02.600 The problem isn't with the home. The problem, listen carefully, will be 1389 01:51:02.760 --> 01:51:08.920 with the transportation, the setup, and the land. Be very careful. 1390 01:51:09.279 --> 01:51:14.520 There are all kinds of restrictions you have to worry about when it comes to 1391 01:51:15.079 --> 01:51:18.000 when it comes to transporting them, when it comes to setting them up, 1392 01:51:18.359 --> 01:51:23.079 and who will allow them. They're beautiful homes. They're like a big motor 1393 01:51:23.159 --> 01:51:28.560 home without the motor home. Yeah, yeah, they are. And you're 1394 01:51:28.680 --> 01:51:31.000 right, I mean, that's that's really where where we're at now. Because 1395 01:51:31.039 --> 01:51:34.079 my now the friend that says you can set them up on. How good 1396 01:51:34.119 --> 01:51:39.520 of a friend is this? She's incredible, she's got such a giving heart, 1397 01:51:39.600 --> 01:51:42.600 and I know she's you know, now, does she live on this 1398 01:51:42.840 --> 01:51:45.720 land or is it going to be exclusively for you? But no, she 1399 01:51:46.279 --> 01:51:51.199 lives on the limbs. She's getting married this fall, so she's going to 1400 01:51:51.279 --> 01:51:56.039 be I don't really know. I think that when you sell property, I 1401 01:51:56.079 --> 01:51:59.319 guess, can't you put a contingency that so and so can so say on 1402 01:51:59.359 --> 01:52:01.680 the property? You know what I'm saying. Not really No, I mean 1403 01:52:01.800 --> 01:52:05.760 you can, but I mean you'd have to subdivide it. Of course you 1404 01:52:05.840 --> 01:52:09.800 could always do that, but I need to know this though. This is 1405 01:52:09.840 --> 01:52:13.319 where the danger signs come up for me. If first of all, what 1406 01:52:13.640 --> 01:52:16.520 size lot does she have that she says you can put the house on it. 1407 01:52:17.079 --> 01:52:21.600 Oh, it's it's over. It's like an acre and a half about 1408 01:52:23.000 --> 01:52:28.439 she's had an RV on her property before you're consuer. How would that work 1409 01:52:28.560 --> 01:52:30.520 on that? That's what I'm getting at, exactly, Yeah, you're right, 1410 01:52:30.640 --> 01:52:34.119 that's exactly what we need. Does she have Here's what we have to 1411 01:52:34.199 --> 01:52:39.760 ask. Does she have first of all a home on that property? Yes? 1412 01:52:39.880 --> 01:52:45.000 She does. Is it in a municipality, It is in a it's 1413 01:52:45.079 --> 01:52:53.039 county, it's unincorporated, it's what county? Yeah? What county? Okay. 1414 01:52:53.319 --> 01:53:00.479 Now you have to see a mobile home is sometimes allowed to be there 1415 01:53:00.880 --> 01:53:03.560 because if somebody lives there, they can have a mobile home there. She's 1416 01:53:03.680 --> 01:53:10.239 not a mobile home. A motor home there a whole. A manufactured house 1417 01:53:10.439 --> 01:53:15.840 is completely different. You never want to spend one hundred and thirty thousand dollars 1418 01:53:15.239 --> 01:53:20.239 and find out that this home is not allowed to be there. And that 1419 01:53:20.479 --> 01:53:26.880 is what my fear is. What you're really doing is you're doubling the occupancy 1420 01:53:27.119 --> 01:53:31.800 of that lot. Now does she have neighbors? She does. Well, 1421 01:53:32.000 --> 01:53:40.000 you have to see if covenance and zoning and building on all of those ordinances 1422 01:53:40.439 --> 01:53:45.319 will accept that home there on a permanent basis. Otherwise you could be screwed. 1423 01:53:45.920 --> 01:53:50.760 And the other thing is this, if she sells her house, you 1424 01:53:50.920 --> 01:53:56.600 don't necessarily get to write in there that someone else can stay on there and 1425 01:53:56.760 --> 01:54:00.560 still sell that house. And if she runs into that problem, she may 1426 01:54:00.720 --> 01:54:02.680 have to say to you, I can't sell my house. I thought I 1427 01:54:02.800 --> 01:54:06.840 could, but you're going to have to leave or you get a new owner 1428 01:54:06.920 --> 01:54:10.720 who's on there, and the next thing they do is try to get you 1429 01:54:10.920 --> 01:54:15.359 off of there. There's too many contingencies. I would rather you buy your 1430 01:54:15.479 --> 01:54:19.800 own lot to put this house on. You know. That's but even then, 1431 01:54:20.199 --> 01:54:26.680 when you buy your own lot, it must be a lot that allows 1432 01:54:26.840 --> 01:54:31.199 these kinds of homes. Not many lots allow these kinds of homes. That's 1433 01:54:31.279 --> 01:54:40.199 why they're called park models, because they're usually made for parks. Right right, 1434 01:54:40.680 --> 01:54:44.880 right now, I get what you're saying, and they're not made now. 1435 01:54:45.239 --> 01:54:47.640 There are some mining claims you can buy. There are some big acreage 1436 01:54:47.680 --> 01:54:51.119 lots you can buy where people don't care what you put on them, and 1437 01:54:51.239 --> 01:54:55.159 then you could buy it and put this up. But as Sue said, 1438 01:54:55.520 --> 01:55:01.640 you still have to worry about sewer and water and electricity. Yes, yes, 1439 01:55:02.319 --> 01:55:06.600 and all these things we've considered. That's what this is. What's like 1440 01:55:08.520 --> 01:55:11.119 sticking with my husband. He doesn't want to. She's kind of like on 1441 01:55:11.239 --> 01:55:13.760 the fence about it, because are those three things? You're absolutely right. 1442 01:55:14.680 --> 01:55:17.239 My friend said that, you know, her property is so secluded that, 1443 01:55:17.359 --> 01:55:21.000 I mean, you couldn't really see from the road. She said, why, 1444 01:55:21.159 --> 01:55:24.960 father asked telling their charney, I'm like, well, my god, 1445 01:55:25.079 --> 01:55:29.199 because ones they did it doesn't matter how secluded. Once they find out about 1446 01:55:29.239 --> 01:55:32.319 it. The last thing in the world you want is for someone to tell 1447 01:55:32.359 --> 01:55:38.119 you to move. Yes, yeah, I mean after you set it all 1448 01:55:38.199 --> 01:55:41.720 up. Also, do they have septic and water? What do they have? 1449 01:55:41.920 --> 01:55:45.079 Where would you hook up septic and water? She has a septic system, 1450 01:55:46.119 --> 01:55:49.199 But how much will it cost to dig over to it to tap in? 1451 01:55:49.399 --> 01:55:53.960 And is it big enough to accommodate both? And will the state allow 1452 01:55:54.039 --> 01:55:58.159 you to do it? There are state laws regarding septic systems as to how 1453 01:55:58.239 --> 01:56:01.159 many people can be on it. Oh really, I didn't. Yes, 1454 01:56:01.880 --> 01:56:06.880 yes, there are there health department rules, which means, listen, you 1455 01:56:08.079 --> 01:56:12.600 can't just go set up something because someone says you can. There are rules 1456 01:56:12.680 --> 01:56:15.520 and regulations and water. What about water, whether you have to dig a 1457 01:56:15.560 --> 01:56:21.439 well? No, No, I'm I forget what you told me about the 1458 01:56:21.479 --> 01:56:25.960 water now, I mean it sounds still it sounds still planned to me. 1459 01:56:26.119 --> 01:56:30.399 I don't mean to burst your bubble, I really ure. No, I'm 1460 01:56:30.439 --> 01:56:33.039 glad. I'm glad you're killing you because this is exactly you are framing, 1461 01:56:33.159 --> 01:56:36.279 exactly what my husband's thoughts were. He wasn't able to put it to you. 1462 01:56:36.359 --> 01:56:39.399 But you're right, these are a lot of things I need, we 1463 01:56:39.479 --> 01:56:43.720 need to consider. Otherwise, you're making a one hundred and thirty thousand dollars 1464 01:56:43.760 --> 01:56:46.720 investment and you got a problem because you have nowhere to put it. That's 1465 01:56:46.840 --> 01:56:51.720 why they're usually set up in mobile home parks and RV parks. Now, 1466 01:56:51.800 --> 01:56:56.720 you said you didn't like the park, but are there is there a park 1467 01:56:56.800 --> 01:57:00.039 you do like where you can put it? You know what? The part 1468 01:57:00.159 --> 01:57:04.600 that I looked at, I'm not sure they have any space, but I 1469 01:57:04.720 --> 01:57:08.279 could go back and ask. But yeah, no, you're right. Now 1470 01:57:08.479 --> 01:57:13.000 there might be you And even if you find your own land, don't put 1471 01:57:13.079 --> 01:57:18.640 money down on land or buy it until you know that they will accommodate these 1472 01:57:18.880 --> 01:57:25.720 homes because these are these are considered modular or mobile homes, and a lot 1473 01:57:25.800 --> 01:57:29.560 of people do not like them. They do not like them. Yeah, 1474 01:57:30.279 --> 01:57:33.119 yes, you're right. I think they're darling, but I think they deserve 1475 01:57:33.239 --> 01:57:36.760 a place. Now, keep another thing in mind, Ester, More and 1476 01:57:36.880 --> 01:57:44.199 more communities are opening up to the idea of more than one abode on a 1477 01:57:44.279 --> 01:57:48.399 lot. For example, all over the country, they're trying to cure homelessness 1478 01:57:48.560 --> 01:57:54.520 or make more affordable housing by allowing people to do this. But until those 1479 01:57:54.640 --> 01:57:58.159 laws go through, you can't assume you can do it. You must, 1480 01:57:58.399 --> 01:58:02.920 Okay, check all of the laws first before putting before investing in this. 1481 01:58:03.119 --> 01:58:10.359 Okay. You know. Another thing people you might want to consider is buying 1482 01:58:10.439 --> 01:58:14.840 a conventional lot in a subdivision. What is your budget, By the way, 1483 01:58:15.800 --> 01:58:20.399 it's below to two hundred thousand. It's going to be very difficult to 1484 01:58:20.399 --> 01:58:26.640 get a home for under two hundred with a lot. Do not buy a 1485 01:58:26.720 --> 01:58:30.840 house. Do not buy a house for one thirty And then think, on 1486 01:58:30.960 --> 01:58:33.640 the goodness of a friend's heart, you're going to be able to put it 1487 01:58:33.720 --> 01:58:39.399 there. Why not just ask that friend to sell her your to buy her 1488 01:58:39.479 --> 01:58:45.760 house? Yeah? She if she is her house paid for? Do you 1489 01:58:45.880 --> 01:58:49.680 know? Oh, you know, you're brilliant, you really are. She 1490 01:58:49.920 --> 01:58:55.600 may she may sell you. She may sell you that house for a deal 1491 01:58:55.960 --> 01:58:58.760 where you can put some money down and make payments to her. She may 1492 01:58:58.840 --> 01:59:01.560 even own her finance where she can have payments coming in. I'm just saying 1493 01:59:01.640 --> 01:59:06.319 I don't want to see you get into trouble. Oh my gosh, you 1494 01:59:06.439 --> 01:59:11.960 are so smart. I did, yeah, because she was trying to figure 1495 01:59:11.960 --> 01:59:15.079 out what to do with the house. She's marrying someone who's got who's very 1496 01:59:15.159 --> 01:59:17.359 wealthy, and they so rather than put a house on there, you got 1497 01:59:17.399 --> 01:59:20.800 a house already, the house is legal. You can buy that house, 1498 01:59:21.239 --> 01:59:26.399 or rent that or lease the house. You can lease it with the option 1499 01:59:26.640 --> 01:59:30.479 to buy. That would be way safer than buying a house and hoping you 1500 01:59:30.600 --> 01:59:34.279 can piggyback on the lot. That's what I would do. So, so 1501 01:59:34.560 --> 01:59:39.319 try it and if you need any any more information, let us know for 1502 01:59:39.439 --> 01:59:42.159 sure. Kevin's got a comment, Kevin, what is your comment? Sir? 1503 01:59:42.319 --> 01:59:45.479 What is your comment? Well? I worked at the s Word one 1504 01:59:45.560 --> 01:59:51.479 time selling insurance the State Farm, and we tried to ensure those kind of 1505 01:59:51.520 --> 01:59:56.760 people with those homes. If they couldn't get mailed delivered there, they couldn't 1506 01:59:56.760 --> 02:00:01.680 get insurance. Wow. Well, that's a good point. These are not 1507 02:00:01.920 --> 02:00:08.199 really considered homes. They're not like I don't think they're HUT approved. I 1508 02:00:08.359 --> 02:00:15.319 think they're literally like a stationary motor home almost they really are. But I 1509 02:00:15.520 --> 02:00:19.119 think that parks are set up for them. Parks are set up for them. 1510 02:00:19.239 --> 02:00:21.680 In fact, if I was going to go to a mobile home park, 1511 02:00:21.760 --> 02:00:26.079 I'd rather have one of these than a mobile home. They're different, 1512 02:00:26.159 --> 02:00:30.119 They're totally different, and they're better quality. We have more coming up on 1513 02:00:30.199 --> 02:00:41.000 the Troubleshooter show. Go with a sure thing Denver's best roofer Excel Roofing dot 1514 02:00:41.119 --> 02:00:46.760 com. You don't pay a cent until you're content. Time for an insurance 1515 02:00:46.880 --> 02:00:51.119 check up free, no obligation. In comparison, call Compass Insurance paying too 1516 02:00:51.199 --> 02:00:56.479 much your coverage at dozens of insurance companies find out now three O three seven 1517 02:00:56.560 --> 02:00:59.960 seven to one. Help. You'll think you're his only customer when you choose 1518 02:01:00.000 --> 02:01:03.439 Frank durand the Real estate Man dot com to list your home with Remax Alliance 1519 02:01:03.720 --> 02:01:11.479 three oh three nine two zero sixteen twenty two. Hi Tom Martino here at 1520 02:01:11.479 --> 02:01:14.960 three O three seven one three talks seven one three eight two five five. 1521 02:01:15.359 --> 02:01:21.439 Don't forget Genesis tootalexteriors dot com now for mold mitigation and detection without the fear. 1522 02:01:21.640 --> 02:01:28.439 Genesis Totalexteriors dot Com. You'll get straight information. Now let's see I 1523 02:01:28.560 --> 02:01:30.119 have a text and but by the way, we have lines open at three 1524 02:01:30.159 --> 02:01:34.079 O three seven one three talks seven one three eight two five five. Uh, 1525 02:01:34.239 --> 02:01:41.279 Tom, last month, my aunt had two checks written and she's putting 1526 02:01:41.319 --> 02:01:44.840 her out going mailbox with the little red flag that goes up. You see, 1527 02:01:44.920 --> 02:01:48.960 that tells the male person that you have people, you have mail going 1528 02:01:49.039 --> 02:01:53.039 out, and she had checks there. Most people know when you put the 1529 02:01:53.119 --> 02:01:57.720 red flag up, you have checks. They took the checks. Somebody took 1530 02:01:57.760 --> 02:02:02.159 the checks out of the outgoing mail, wipe them clean and made them out 1531 02:02:02.199 --> 02:02:10.399 to themselves. Warn older people primarily not to put mail in their box for 1532 02:02:10.479 --> 02:02:15.840 the mail mean to pick up, especially checks. And that's true because people 1533 02:02:15.920 --> 02:02:19.239 are on the lookout for outgoing mail, knowing or thinking that it might be 1534 02:02:19.399 --> 02:02:24.720 bills you're paying. They can take those checks and reroute them to themselves. 1535 02:02:25.439 --> 02:02:30.920 It's easy to what's called wash a check and to put another person on there 1536 02:02:30.600 --> 02:02:38.319 or not even that. They can literally just take the check and sometimes cash 1537 02:02:38.399 --> 02:02:43.239 it. That's how little some of these banks pay attention. This is another 1538 02:02:43.359 --> 02:02:49.319 question tom It says, tom or Mark is Mark around SEUs. He's not 1539 02:02:50.079 --> 02:02:55.119 okay, because I'm sure he'd have something to say about this. Tom or 1540 02:02:55.159 --> 02:02:59.439 Mark, I have a question. Why do people blame Biden for inflation? 1541 02:03:00.479 --> 02:03:09.720 That's interesting, that's very interesting. Why and here's why presidents are blamed for 1542 02:03:10.119 --> 02:03:17.359 inflation when the president and Congress are not just you know, Senate, I 1543 02:03:17.439 --> 02:03:23.680 mean Senate and representatives both collectively known as Congress, but or their lawmakers and 1544 02:03:23.800 --> 02:03:30.720 the president. They're only I shouldn't say only, but they're responsible for fiscal 1545 02:03:32.199 --> 02:03:43.840 budgets and spending. And the monetary functions are the Fed and the Treasury. 1546 02:03:43.960 --> 02:03:48.920 But Biden and his teams, or what they call the administration, they're in 1547 02:03:49.119 --> 02:03:57.359 charge of the fiscal policies and that's budget and spending. Also, this loan 1548 02:03:57.439 --> 02:04:02.159 forgiveness and all of this is all part of of you know, the presidency, 1549 02:04:02.319 --> 02:04:08.199 right, the executive orders and stuff. So when a president, any 1550 02:04:08.279 --> 02:04:13.800 president, I'm not saying Biden, but any president, increases spending and they 1551 02:04:13.920 --> 02:04:23.640 increase these money supplied by forgiving debt or that kind of thing, it adds 1552 02:04:23.880 --> 02:04:29.319 to inflation. You can't just put you can't just put a lot of government 1553 02:04:29.479 --> 02:04:35.199 money into the system with government spending and not have an impact on inflation. 1554 02:04:36.479 --> 02:04:41.479 So what Biden and his people did and what a lot of presidents do. 1555 02:04:41.800 --> 02:04:44.520 Again, I'm not trying to make this a political thing, but you ask, 1556 02:04:44.680 --> 02:04:46.319 how can Biden be blamed? Let's just put it this way. How 1557 02:04:46.399 --> 02:04:51.039 can a president be blamed. Not just a president, but a president and 1558 02:04:51.199 --> 02:04:58.760 his supporters his administration can be blamed for inflation by their policies, their physical 1559 02:04:59.560 --> 02:05:02.399 policy. You know, they don't do the discount rates and the FED and 1560 02:05:02.520 --> 02:05:10.640 all that the money supplied directly, but when they increase spending and put more 1561 02:05:10.760 --> 02:05:16.920 money into circulation, you have more money in general, causing inflation. That 1562 02:05:17.199 --> 02:05:27.319 that's the way inflation is caused. Another way is by forgiving debt and doing 1563 02:05:27.399 --> 02:05:33.399 that kind of thing, so people, that's how inflation begins. And then 1564 02:05:33.479 --> 02:05:42.159 it's fueled further by the cost of money being cheaper than it should be, 1565 02:05:42.319 --> 02:05:45.319 and then that grows, and that's where the FED comes in and tries to 1566 02:05:46.000 --> 02:05:54.159 They try to quell the inflation by raising rates to try to slow it down. 1567 02:05:54.640 --> 02:05:58.479 So you had Biden on one end, listen, doing what he called 1568 02:05:58.600 --> 02:06:03.720 inflation reduction by actually increasing spending. He did just the opposite of what you 1569 02:06:03.800 --> 02:06:11.439 should do. Everyone knew the Inflation Reduction Act would not reduce inflation. They 1570 02:06:11.560 --> 02:06:15.239 just gave it a name. I mean, it's so stupid to call it 1571 02:06:15.359 --> 02:06:21.399 an inflation reduction Act and you actually increase spending is so contrary to logic. 1572 02:06:23.279 --> 02:06:25.760 But he was allowed to get away with it. But I'm not saying it's 1573 02:06:25.840 --> 02:06:29.279 because I don't like the guy, although you know, I have my own 1574 02:06:29.319 --> 02:06:34.680 thoughts on him. I think his policies are crazy comes to the economy. 1575 02:06:35.079 --> 02:06:41.920 Now, other people would argue that he's done great and that it was Trump's 1576 02:06:42.000 --> 02:06:46.800 policies in the beginning that led to this, But again everyone does that everyone. 1577 02:06:47.319 --> 02:06:51.079 If you're in office as a president and things are not going great, 1578 02:06:51.119 --> 02:06:58.199 you blame. You blame the previous administration. If things go great, you 1579 02:06:58.399 --> 02:07:02.039 take credit, and then the next president will do exactly the same. They 1580 02:07:02.119 --> 02:07:09.119 will never ever ever take blame. Have you ever once ever heard of president 1581 02:07:09.439 --> 02:07:14.479 ever take blame ever? I want to know if you have. I heard 1582 02:07:14.640 --> 02:07:17.640 one president come close to taking blame. Do you know who that was? 1583 02:07:19.520 --> 02:07:23.439 Well, he didn't actually even take it personally, but he did in a 1584 02:07:23.479 --> 02:07:28.720 way. He said, we all have to tighten our belts. And who 1585 02:07:28.880 --> 02:07:32.880 wasn't Carter? Jimmy That's exactly right. And you know what, Joel, 1586 02:07:32.920 --> 02:07:35.920 people didn't like Jimmy Carter for that. They didn't like him because they thought 1587 02:07:35.960 --> 02:07:40.920 he was pessimistic, he didn't lie to him. In fact, he was 1588 02:07:41.720 --> 02:07:45.760 one of the most honest presidents we ever had in our lives. Yeah, 1589 02:07:46.279 --> 02:07:50.560 and he didn't last because of it. Isn't that weird, It's very very 1590 02:07:50.640 --> 02:07:54.640 weird. He was a very good he's still alive, right, he's a 1591 02:07:54.680 --> 02:07:59.039 good man, just hanging on. He's barely hanging in person. The good 1592 02:07:59.119 --> 02:08:03.399 people. Just about how good people don't make good presidents. No, they 1593 02:08:03.560 --> 02:08:07.119 just don't. And and then of course, you know, then you had 1594 02:08:07.159 --> 02:08:11.680 president. A lot of people thought Reagan was honest, just a good, 1595 02:08:11.760 --> 02:08:16.239 honest man who knows, I mean, as honest as an actor from California 1596 02:08:16.279 --> 02:08:20.920 career. But but if you think about who we have had as presidents and 1597 02:08:22.359 --> 02:08:26.560 who've made good impacts, I mean, if you think about Clinton, Clinton 1598 02:08:26.800 --> 02:08:30.520 was not that super liberal when you think about it, he was not. 1599 02:08:31.439 --> 02:08:35.039 I mean, Bush was not that super conservative. I mean, you've had 1600 02:08:35.119 --> 02:08:39.399 some pretty you know, some pretty we had a variety of presidents over the 1601 02:08:39.479 --> 02:08:45.399 years. I think Biden is the most liberal president we've had in a way 1602 02:08:45.479 --> 02:08:50.960 more liberal than than Obama, way more and uh, as far as conservative, 1603 02:08:50.640 --> 02:08:54.159 I don't know. Uh, Trump wasn't that conservative. He was conservative? 1604 02:08:54.880 --> 02:09:00.279 Who was I think? I think I think changed, you know, 1605 02:09:00.399 --> 02:09:05.920 because once the Bush junior Bush w got in office, then all the uh 1606 02:09:05.359 --> 02:09:09.239 fear about overspending kind of went away in all both conservative and liberals. They 1607 02:09:09.279 --> 02:09:13.319 all started to spend. I know, I know. And then again there's 1608 02:09:13.399 --> 02:09:18.119 the thing called buying votes, and that's what people are doing. That's that's 1609 02:09:18.119 --> 02:09:22.960 what people do. They pander for votes. They know that there's certain numbers 1610 02:09:22.000 --> 02:09:26.039 of people that will vote in certain numbers that are not big enough to make 1611 02:09:26.079 --> 02:09:30.159 a difference. That's why everyone goes after billionaires. It's such a small class. 1612 02:09:30.760 --> 02:09:33.479 I mean, you know, not that they shouldn't go after I don't 1613 02:09:33.520 --> 02:09:37.279 know. I'm just saying that it's a small class. Whereas if you pay 1614 02:09:37.359 --> 02:09:41.640 off student loans for people, or forgive student loans and you and you go 1615 02:09:41.880 --> 02:09:46.479 for minimum wage, what you're going is for the masses, you're buying votes. 1616 02:09:46.560 --> 02:09:50.079 That's that's all there is to it. Okay, we got more coming 1617 02:09:50.119 --> 02:09:52.840 up three oh three, seven to one to three talk seven one three h 1618 02:09:52.840 --> 02:09:56.760 two five five. Renew home innovations, the best showers, the lowest prices. 1619 02:09:56.640 --> 02:10:01.279 And I don't just mean low price here, need to say fair prices. 1620 02:10:01.359 --> 02:10:05.079 But what I love is this, They do beautiful custom showers and I 1621 02:10:05.239 --> 02:10:07.920 mean it. It changes your entire bathroom, getting rid of those old ugly 1622 02:10:09.039 --> 02:10:13.399 tub showers, never see them again? What would be too soon for me? 1623 02:10:13.800 --> 02:10:16.800 And here's what's I love about him? Seventy two months to pay with 1624 02:10:16.880 --> 02:10:26.399 no interest three oh three nine zero four to two thousand. Go with a 1625 02:10:26.479 --> 02:10:30.800 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1626 02:10:31.039 --> 02:10:37.800 until you're content than time for an insurance check up free, no obligation. 1627 02:10:37.880 --> 02:10:41.800 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1628 02:10:41.840 --> 02:10:45.920 companies find out now three oh three seven to seven to one. Help. 1629 02:10:46.079 --> 02:10:48.880 You'll think you're his only customer when you choose Frank durand the real estate Man 1630 02:10:48.960 --> 02:10:54.399 dot com to list your home with Remax Alliance three oh three nine two zero 1631 02:10:54.560 --> 02:11:11.840 sixteen twenty two. Hi Tom Martine here three h three seven one three talk 1632 02:11:11.920 --> 02:11:16.319 three oh three seven one three eight two five five. Welcome to the show, 1633 02:11:16.399 --> 02:11:20.840 folks, Doctor chrdeck of This is UH and we're talking about I have 1634 02:11:20.920 --> 02:11:24.560 a text now about stem cell because we said you did stem cells. Now 1635 02:11:26.560 --> 02:11:28.760 when stem cells and when PRP? When? When do you call that? 1636 02:11:30.479 --> 02:11:35.000 Uh? And that's a good one because PRP is a pretty damn good therapy. 1637 02:11:35.560 --> 02:11:41.000 And let's talk about that. PRP is platelet rich plasma. Yes, 1638 02:11:41.640 --> 02:11:48.000 it's your own blood's concentrated plasma or platelets, and then reinjected correct to the 1639 02:11:48.079 --> 02:11:52.199 sight of injury. Correct. What does it do? So uh, in 1640 02:11:52.319 --> 02:11:58.199 our experience, we'll recommend PRP therapy if somebody has up to a small muscle 1641 02:11:58.279 --> 02:12:03.520 tear, so a chronic spraint, chronic ligament injury, chronic tendon injury, 1642 02:12:03.720 --> 02:12:09.880 small muscle or tendon tear. It will repair those types of injuries. When 1643 02:12:09.920 --> 02:12:13.279 you're talking about a larger muscle tear like a rotator cuff, when you're talking 1644 02:12:13.279 --> 02:12:18.039 about a degenerative arthritic joint, it's just not powerful enough to regenerate the tissue 1645 02:12:18.079 --> 02:12:22.439 to a point where you have a lasting, long term solution. I know 1646 02:12:22.520 --> 02:12:26.600 there are some clinics that will inject up into a knee or a hip or 1647 02:12:26.640 --> 02:12:31.600 a shoulder, but those are really more for temporary relief or for minor inflammation. 1648 02:12:31.720 --> 02:12:35.760 If you've got a major injury or major degeneration, stem cell therapy is 1649 02:12:35.800 --> 02:12:39.640 the only thing that's going to really regenerate the tissue, all right. Someone 1650 02:12:39.720 --> 02:12:48.079 else said that if you use stem cells for hair regrowth. Have you monitored 1651 02:12:48.199 --> 02:12:52.880 patients and gone back to them? I know you because we talked about Denver 1652 02:12:52.000 --> 02:12:56.520 Regen doing some hair stuff. Yeah, some hair restoration. Have you gone 1653 02:12:56.560 --> 02:12:58.359 back and what are the results? We've been doing it now for about two 1654 02:12:58.439 --> 02:13:01.199 years. We get so, how is it? It takes about a full 1655 02:13:01.279 --> 02:13:07.279 year to get your full hair back in third so does it really come back 1656 02:13:07.399 --> 02:13:09.039 or is it just like like how you look of mine? Okay, I 1657 02:13:09.119 --> 02:13:11.720 have really thin hair right right, I mean, and I have it real 1658 02:13:11.800 --> 02:13:15.439 short now because you know what, when you have thin hair looks stupid when 1659 02:13:15.520 --> 02:13:18.319 it's like you look like Einstein or crazy Einstein. But in any case, 1660 02:13:18.359 --> 02:13:20.920 I don't mind the way my hair is. I mean, but does it 1661 02:13:22.119 --> 02:13:24.520 really fill in somebody like me? Does it really? For somebody like you? 1662 02:13:24.640 --> 02:13:28.680 It would because I'm not totally bald. Because you don't have a total 1663 02:13:28.800 --> 02:13:33.000 bald spot, you have thinning hair. So just the stem cell treatment to 1664 02:13:33.079 --> 02:13:37.960 regenerate hair growth, we're really thicking up all the thinning areas and regenerate hair. 1665 02:13:39.079 --> 02:13:41.640 Yes, yeah, and so but if you have a bald spot, 1666 02:13:41.760 --> 02:13:46.000 a bald area, what we recommend is a full hair transplant. Well yeah, 1667 02:13:46.079 --> 02:13:48.720 yeah, that's where that's where you actually do all the transplant, and 1668 02:13:48.880 --> 02:13:52.720 we add stem cells, which other clinics don't do. We add stem cells 1669 02:13:52.760 --> 02:13:56.800 to that procedure. So we have two procedures. One to regenerate thinning hair, 1670 02:13:56.840 --> 02:13:58.920 which is the stem cell procedure, and one to do a hair, 1671 02:14:00.119 --> 02:14:03.880 a full hair transplant with stem cell with your own stems. So if someone 1672 02:14:03.920 --> 02:14:09.199 wanted to have the thickening done like me or and I'm I'm asking for this 1673 02:14:09.600 --> 02:14:13.960 this texture, hint, hint, No, I really am, But what 1674 02:14:13.319 --> 02:14:16.319 seriously is it like a helmet of needles? I mean, I mean, 1675 02:14:16.399 --> 02:14:20.279 how do you do all of the areas that have to be injected? I 1676 02:14:20.439 --> 02:14:22.159 mean that sincerely, how do you do it? Do you just take and 1677 02:14:22.279 --> 02:14:26.479 start just going all over the head? Not quite like that. So okay, 1678 02:14:26.600 --> 02:14:31.239 what we'll do is we'll we'll use nerve blocking with a small insulin needle 1679 02:14:31.039 --> 02:14:35.880 around the scalp line. Yeah. Yeah, so that the top of the 1680 02:14:35.960 --> 02:14:39.000 crown of the head is numb. Yeah, and then we have different types 1681 02:14:39.039 --> 02:14:41.800 of needles. We have a multiport injector, so it is like a little 1682 02:14:41.840 --> 02:14:45.439 pad with a bunch of needles in. Yeah, that's one way we'd go 1683 02:14:45.560 --> 02:14:48.840 across the head that way, and then we take different needles of different lengths 1684 02:14:48.880 --> 02:14:52.720 so you get it to different depths of area within the scale. But it's 1685 02:14:52.800 --> 02:14:54.399 not that painful, no, because we know, like I said, we 1686 02:14:54.520 --> 02:15:01.600 numb up the scale. Now, how long does the procedure take. It 1687 02:15:01.680 --> 02:15:05.720 takes about three to four hours to do that. Wow, to do that, 1688 02:15:05.880 --> 02:15:07.840 you know, full hair transplant's a full day, a morning of doing. 1689 02:15:09.319 --> 02:15:11.359 But I'm talking about just the injection, just just the stem cell procedure 1690 02:15:11.399 --> 02:15:16.359 alone for regenerate thinning hair, it takes about three or four hours and you've 1691 02:15:16.439 --> 02:15:20.640 seen results. Literally, is there would there be a reason why it doesn't 1692 02:15:20.680 --> 02:15:26.760 work? Have you had it where it doesn't work or people are disappointed? 1693 02:15:28.720 --> 02:15:31.600 Not really, No, we haven't. As long as we're as long as 1694 02:15:31.800 --> 02:15:35.119 the objectives are clear. You know, we're not going to recommend somebody that 1695 02:15:35.279 --> 02:15:39.720 has a full balding balding area just the rejuvenation. We're going to say to 1696 02:15:39.840 --> 02:15:43.399 them, Look, if you really want the result you're looking for, you're 1697 02:15:43.439 --> 02:15:48.319 gonna need a hair transplant with the stem cell therapy. Now, we evaluate 1698 02:15:48.399 --> 02:15:50.079 each case on a case by case basis, so we have you send those 1699 02:15:50.119 --> 02:15:54.960 pictures of your scalp, and our team goes over that with you, comes 1700 02:15:54.079 --> 02:15:58.800 up with a plan, talks about what your goals will be, and where 1701 02:15:58.800 --> 02:16:01.760 do you get the stem cells? We get the stem cells from both bone 1702 02:16:01.800 --> 02:16:05.520 marrow from the hip and from adipose tissue from fat. Fat and bone marrow 1703 02:16:05.560 --> 02:16:09.199 mixed together, so you do both. Yes, So when I had my 1704 02:16:09.279 --> 02:16:13.640 stem cell on my lower back, where'd you get You got mine from the 1705 02:16:13.079 --> 02:16:16.760 bone r right. We just for lower back procedures only, we just used 1706 02:16:16.800 --> 02:16:22.199 the bone marrow based stem cells and we mixed that with umbilical cord cells that 1707 02:16:22.279 --> 02:16:26.279 we get from a supplier. Okay, and that's our back procedure. For 1708 02:16:26.439 --> 02:16:30.439 most other joint procedures, we use the patient's own fat with their own bamb 1709 02:16:30.680 --> 02:16:35.920 It was amazing what happened. It really was amazing. I like I told 1710 02:16:35.959 --> 02:16:41.520 you, man, I damn near just four went surgery completely. And my 1711 02:16:41.680 --> 02:16:45.840 doctor said, that's fine, you don't have symptoms, but your physical ailment 1712 02:16:46.239 --> 02:16:50.520 is so bad that it's going to resurface, you know, because because but 1713 02:16:50.760 --> 02:16:54.879 it was remarkable with that much physical damage, how stem cells could take away 1714 02:16:54.959 --> 02:16:58.719 pain. Well, I remember, we looked at your images and we decided, 1715 02:16:58.760 --> 02:17:01.159 well, let's just give it a try and hope that you get something. 1716 02:17:01.200 --> 02:17:05.159 It was amazing. I mean, like I said, if I didn't 1717 02:17:05.200 --> 02:17:11.040 have such bad physiology, I just didn't want to be faced with this bad 1718 02:17:11.120 --> 02:17:16.079 physiology in ten years. But I was amazed. But like I told you 1719 02:17:16.200 --> 02:17:20.239 before, one of the dis not disadvantage, one of the challenges you guys 1720 02:17:20.360 --> 02:17:24.520 have is it was so slow over a four month period, I had forgotten 1721 02:17:24.680 --> 02:17:30.520 why I got so better, Right, I'd forgotten it because it was so 1722 02:17:30.920 --> 02:17:35.639 and I kept getting better and better. And then I think Stephanie says, 1723 02:17:35.719 --> 02:17:39.120 Tom, that stuff really worked. Yep, And we've changed the protocol. 1724 02:17:39.200 --> 02:17:41.680 Since you've had it done, it's even better. Yeah. We have another 1725 02:17:41.719 --> 02:17:45.559 product that we had, what do you do? We have a product called 1726 02:17:46.200 --> 02:17:50.399 microvascular tissue, and what's that. It's used in heart surgeries and used in 1727 02:17:50.520 --> 02:17:54.200 vascular surgeries to repair heart and vascular titches. It's a regenerative product. But 1728 02:17:54.360 --> 02:17:58.319 once we've started adding this to our procedures, we see patients starting to feel 1729 02:17:58.360 --> 02:18:01.280 better within two to three weeks rather than a month or two. Well, 1730 02:18:01.280 --> 02:18:03.319 it doesn't matter if it's a month or two or three or three weeks. 1731 02:18:03.360 --> 02:18:07.520 If it really works and it really did so anyway, Denver Regen dot com. 1732 02:18:07.600 --> 02:18:11.600 More coming red up, go with a sure thing Denver's best roofer Excel 1733 02:18:11.719 --> 02:18:18.479 Roofing dot com. You don't pay a cent until you're content. Time for 1734 02:18:18.520 --> 02:18:22.840 an insurance check up free, no obligation. In comparison, call Compass Insurance 1735 02:18:22.040 --> 02:18:26.159 paying too much your coverage at dozens of insurance companies find out now three all 1736 02:18:26.239 --> 02:18:30.959 three seven seven to one help. You'll think you're his only customer when you 1737 02:18:31.040 --> 02:18:35.200 choose Frank durand the real estate Man dot com to list your home with Remax 1738 02:18:35.280 --> 02:18:43.000 Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino here 1739 02:18:43.120 --> 02:18:48.479 three O three seven one three talk seven one three eight two five five. 1740 02:18:50.239 --> 02:18:56.959 So it's weird. Some of the questions I get texted okay, one, 1741 02:18:56.040 --> 02:19:03.360 Here is my son ran his car sixty miles on low oil? What should 1742 02:19:03.360 --> 02:19:07.000 I do? Nothing? You can do an oil analysis if you want, 1743 02:19:07.120 --> 02:19:13.159 But here's the deal. Sixty miles on low oil is nothing you can as 1744 02:19:13.239 --> 02:19:16.920 long as it wasn't out completely. And even if it's out completely, I'm 1745 02:19:16.959 --> 02:19:20.760 now obviously you shouldn't drive it all. But believe it or not, there 1746 02:19:20.799 --> 02:19:22.760 are some cars even when you're out, if it was a good quality oil, 1747 02:19:22.879 --> 02:19:28.840 have enough viscosity to keep it from seizing. It would all have to 1748 02:19:28.959 --> 02:19:35.200 do with the temperatures and other indications. But on low oil sixty miles, 1749 02:19:35.639 --> 02:19:41.559 I wouldn't even give it a thought, that's for sure. Also, somebody 1750 02:19:41.639 --> 02:19:48.680 wants to know what is the difference between depreciation of houses and cars. Well, 1751 02:19:48.680 --> 02:19:54.239 okay, cars have a lifespan, a total lifespan. I mean, 1752 02:19:54.319 --> 02:19:58.000 think about it. Okay, we can say ten years, but okay, 1753 02:19:58.120 --> 02:20:01.360 let's even say ten years. Okay. Uh, if a car has a 1754 02:20:01.440 --> 02:20:07.040 lifespan of ten years and it's more like eight, but you would have more 1755 02:20:07.120 --> 02:20:11.079 depreciation because theoretically it's not worth much at the end of that whereas a house 1756 02:20:11.159 --> 02:20:18.000 can be around fifty and sixty years, so obviously would have less actual depreciation 1757 02:20:18.159 --> 02:20:22.799 of actual cash value. But then you have something called market. In cars, 1758 02:20:24.319 --> 02:20:30.479 the market goes down. In homes the market goes up, so you 1759 02:20:30.600 --> 02:20:35.000 have appreciation as well. By the way, I want to tell you Denverregen 1760 02:20:35.120 --> 02:20:37.079 dot com to get a hold of Joel for weight loss or stem cell therapy 1761 02:20:37.200 --> 02:20:43.680 or hair replacement. Denverregen dot com. I'm Tom Martino. Remember to call 1762 02:20:43.760 --> 02:20:46.159 three oh three Martino. You can call three oh three six two seven, 1763 02:20:46.200 --> 02:20:50.239 eight four sixty six twenty four seven for your help, information and referral. 1764 02:20:50.319 --> 02:20:52.040 Save all your problems for me