WEBVTT

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Yeah, rip tough news to need
advice, So you don't have the We'll

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come running just as fast as we
can. Show Shooter's gonna help come man,

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This is the Troubleshooter Show. No
Tom Martine. Hey, I'm Tom

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Martino. Welcome to the show,
the only show of it's kind anywhere in

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the universe. We are here to
help you solve your problems and make life

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just a little easier. So what
you need to do is simply give us

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a call at three oh three seven
one three talk three oh three seven one

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three eight two five five, and
we were going to go right to the

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phones. This hour brought to you
by waterpros dot net, the best water

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systems at the lowest prices bar none. If you want pure, wonderful drinking

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Three zho three eight six two five
five five four. Let's talk to

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Donna has an issue with a contractor
whatever your issue is. Here's the bottom

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line. Don't let those issues fester. Don't wait a long time. The

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longer you wait, the harder it
is to get them solved. Sometimes it's

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too late. But what's going on
with you, Donna? What's happening?

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Hey? Tom, goody? How
are you good? What's going on?

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So? I have a small side
yard that I advertised on the next door

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app, yes, or air right
for somebody to come and air right the

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yard. Yeah, you know Facebook, Marketplace and also next door and all

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of those. I mean, they
have their place, but I'm telling you

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more and more people get ripped off
on those sites because there's no oversight.

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Anyway, go ahead, what's going
on? Count me in on the ripped

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off thing? Anyway. I got
a call and this guy introduces himself,

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my wife and I would like to
come look at your yard, and you

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know, well, we'll tell you
what needs to be done. So they

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get over here. He says,
your card doesn't need to be air rated.

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Really, that's not going to help. He said, what we can

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do is get a rent a rototiller
or you know, a skid. How

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much did he quote you? Well
he didn't. That's Tom, I got

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to tell you a lot of this
is my mistake. Okay. So when

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you when he said well you need
this and this, did you say,

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okay, just go ahead or how
did that go on? I said,

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Well, tell me how that works. Do you do it in stages?

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Because I said, I also would
like to have a small fence built.

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We can do that. I said, So could you also lay some papers

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for a patio? Oh yeah,
we can do that. Well, everything

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I mentioned they could do. And
I said, okay, well you know,

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oh another thing. His wife was
supposed to draw out some plans to

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bring back the next day and show
me. Well I never did get that.

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I never got a drawing of any
sort at all. And I think

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it was the day after that day
they came back and I said, oh,

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did you do the drawings? Oh? I left him at home.

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Well, Tom, I can tell
you that that was on April eighteenth.

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Okay, is that when you first
hired him? April eighteenth? Yeah?

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Yeah? Now did he did he
do any of the work first? Yes?

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Did you pay any money up front
or did you pay as you go?

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I paid one thousand dollars for material
Okay? Did you at least get

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let's take one thing at a time. Did you at least get a thousand

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in materials? I might have,
but they didn't end up here. Oh

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my god? So what did you
get? Okay? He did rent a

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rot of tiller. He did use
the rotatiller the down payment of a thousand

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when I got an invoice, I
have a rental of the rototiller and fuel,

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which he says is two hundred and
seven dollars and seventy four cents.

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Okay. So without going through each
and every item, he rented a rototiller,

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did he do any rototilling? He
did, okay, So you got

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the you got that done? I
did, okay. He also, on

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a different invoice invoiced me for picking
it up, the labor and returning it.

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So I've got, like I said, the rental and the fuel,

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and then an hour to pick it
up, four hours of labor and an

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hour to return it. So the
whole thing, that part of the job

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costs how much according to him,
Oh gosh, ninety one eight events just

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all together, he's seventy a little
bit. Why as five hundred dollars okay,

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So by his calculation, you had
five hundred dollars coming. Did you

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get five hundred dollars worth of work? No? After that? What did

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he do? After that? What
did he do? So? Then he

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said, well, you know what, your yard's not level, so we

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need to rent a skid steer.
I said, oh, he said,

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yeah, the rotortail or you know
it can it can chop? So did

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he rent one? Did he do
anything else after that? What jobs did

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he accomplish after that? He did? He did run, he and his

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wife operate can operate a skid steer. So we had one delivered and he

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did do the skids steer work.
And then how okay on the skid steer

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at to level the yard? Then
what did he do? Then he put

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some string to indicate where the patio
is going to go, and it was

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about a twelve or twelve patio,
okay. So he also picked up rock

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from a local rock company and spread
it where my cars are going to be

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parked. So it sounds to me, Hold on, Donald, where do

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you complain? Because it does sound
to me like you hired a guy and

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he didn't take off with the money, but he attempted to do some work.

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Now, I'm not going to sit
here and say he did a great

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job or anything, but what exactly
is the complaint? Because you kind of

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got what you hired. You got
two people who did some work, and

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whether or not you agree on the
individual pricing, that's on you. But

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what is the problem right now?
I mean, at least you didn't get

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completely ripped off? Right? Not
completely? Well, where is the problem?

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Tell me what you're complaining about right
now? Okay? So on an

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invoice that I got from him.
Yeah, he has two by four's construction

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screws and roofing screws for two hundred
and fifty dollars and you never saw that

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part. No, and landscape fabric, patio fabric, drum none of that

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is that your place? No,
the landscape fabric is the drums and belt.

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I don't even know what that is. Why don't you just go through

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that invoice and pay him? You
paid a thousand bucks and it sounds to

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me, unfortunately like the roto tilling
and the skid steer probably and the rock.

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I mean you, the thousand dollars
has gone. Now the question is

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how much more or less do you
owe? Wow, that was the first

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invoice. How much? Let me
just cut to the chase. How much

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does he want right now? In
addition to the one thousand he doesn't want

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anymore, I've paid him, and
altogether, Tom, I've paid him thirty

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two hundred and eight. We Well, where wait a minute, you told

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me one thousand dollars. Where'd the
other money come from? That was on

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the first invoice. The second invoice
that he invoiced me for was the rototiller,

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pickup labor and return. Okay,
hold on, I don't want to

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go through each item. You paid
a total? Love you? Okay,

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you paid a total of thirty two
hundred dollars. But why did you do

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that? Well, that's my mistake. And when I asked him for a

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receipt, I haven't seen one receipt
from him. Well that's but okay,

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So now where where do you stand
right now? Like the work right there?

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If I went to your house and
looked at the work, how much

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of that work has to be redone? It's been its being redone as we

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speak by who to a friend of
mine? And did they say all the

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work he did was useless? Not
useless? No? Okay, then you

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need to figure out here. It's
very simple, and we don't mind calling

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the guy. But I doubt you're
going to get a dime from this guy.

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He probably is a church mouse and
doesn't have anything, and you hired

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him off the next door. You
didn't have a contract. The guy doesn't

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sound like a rip off. He
sounds maybe a little incompetent. So what

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you have is thirty two hundred dollars
paid. You have to go through that

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and figure out how much he overcharged. I don't mean, by opinion,

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overcharged. I mean for things you
absolutely did not get. If he overcharged

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for skid steer, that's on you. If he overcharged for what at rot

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or tilling, that's on you.
However, if he said you're going to

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get this, this, and this, and it absolutely isn't on the job,

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then you should subtract it, come
up with a total, and we'll

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go after him for it. I
mean, that's what you do. But

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at this point we need to put
the word out. Although I don't think

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that guy is a rip, he
obviously left a lot to be desired.

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What's the name of the company.
It's called the and it's th h E

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E. Life Outlets l LC,
the Lights Outlet. Okay, the Life,

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the Life Outlets, the Lights Okay, okay, okay, Well what

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do you want right now? What
were you hoping we'd say to you?

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This is just what we said,
because that's what you need to do.

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You need to figure out how much
upside down you are with this guy,

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Well, I can't until I see
receipts. Well, no, that's not

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true at all. That's not true
at all. You need someone to look

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at the work. Here. Here's
what you need to do. Okay,

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you got receipts for the first sum. You need to have whatever he said

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you got. You know you do
have some invoices. And then you need

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to have somebody look and say,
was this this done, this done,

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and whatever was done? Value it
on a reasonable value. And if it

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comes to twenty eight hundred dollars,
he owes you four hundred. If it

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comes to twenty five hundred, if
it comes to two thousand, he owes

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you twelve hundred. You need to
have that valued. Now, you need

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to have it not discount valued,
but valued. The quality of work,

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unfortunately won't come into it unless he
did damage. You just have to give

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us some idea. You. First
of all, he owes you no receipts.

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Okay, I know you think he
does, but he doesn't. All

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you need what he owes you is
a reasonable amount of work for thirty two

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hundred dollars. What did you get? What did you not get? Call

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us back. I'm going to mark
this down and I took copious notes,

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so call us back and we'll start
from here. I want you to go

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through and find out if what you
got was worth thirty two hundred or what

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was it worth got? And I
promise you we'll go through it one at

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a time. Three oh three seven
one three Talk three oh three seven one

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three eight two five five. Hi
Tom Martino, your troubleshooter. Three oh

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three seven one three talk three oh
three seven one three A two five five.

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We got uh Eli. Who wants
to talk about a mobile home?

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Whatever you guys want to talk about. Listen. What I love about this

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show is we talk about everything.
Now. When it comes to investing,

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I know you're going to hear all
things from all people, and I'm going

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to tell you something that you're never
going to hear anywhere else. There is

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no such thing as the perfect method. There are different areas in different times

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of your life, different seasons where
different investments make sense, and there are

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other seasons where they don't make sense. There is not one solution for everyone.

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Now. The reason I say that
is because so many people have ideas

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on how to invest money, and
it became a passion for me, like

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health became a passion to me to
investigate that, and I found that there's

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a little bit of truth in everything
and then also a little bit of exaggeration.

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So we're gonna be talking about that
coming up, and I want your

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input. And I'm also opening up
my Google line once again. It really

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worked out. And I'm serious about
this. Don't abuse it, okay,

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as they say, don't abuse it. But I'm going to open up my

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Google Voice number. It's my private
Google Voice number. So please, if

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you want to message me here on
the show today, you can do it.

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You can text me at this number
and here it is seven four seven

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nine nine, nine fifty to eighty. I think it's cool number. That's

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my Google number, and that number
you can text even you know, and

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so so I just want to leave
that open to you. And I did

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it for the first time this week
and it worked out pretty well. So,

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Eli, what's going on with this
mobile home? What's happening? Well,

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my I'm sorry, I'm a little
nervous, but anyway, I'm sorry,

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Eli, listened look at it as
a conversation between you and me and

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hundreds of thousands of people that will
hear it. Go ahead, okay,

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Okay, So Okay. So I
bought a mobile home approximately about four or

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five years ago. Was it newer
used? Eli? New were used?

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I'm used? Okay, go ahead? Uh huh? So I paid fifty

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five thousand for it, okay,
And I don't know what what happened that

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that we we got evicted, a
family of five? We got wait wait

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wait wait wait wait wait wait wait
wait wait. You bought the mobile home

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from a private owner, yes,
and it was set up in a park.

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Yes. And then when you say
you were evicted, well, there's

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a special eviction process for mobile homes. So did they did you have to

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move your mobile home? No?
They that that park you can't take any

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of the mobile homes out like you
can't. You can bring one in,

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but once it's in, there's nobody
can take it out. That that's that's

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not that's not true. Now they
told you that when were you evicted a

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week ago? Now I don't understand
this. Why were you evicted? Were

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you not paying the lot rent?
You know what? We Yes, we

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were. However, they said that
our that our that our graph needed to

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be maintained, and that the yard
was messy. However, there was nothing

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messy about it. So were you
were you paid up? Were you paid

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up on your mobile home? Rent? On your lot rent? You know

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what I was. However, they
did not accept any of the payments that

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because our yard was mess. When
did they stop? When did they stop

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taking payments? In May? So
May they didn't take the payment anymore?

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And when were you out when you
were just okay? So for May and

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June they would not take your payments? Correct? Correct? Now? Listen,

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this is we got to get right
on this. We got to get

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rid of this. There is a
special procedure for evicting mobile homes, and

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they're not. They can't tell you
you can't have your mobile home. They

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told you that they're taking your mobile
home. Not only that, but they

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didn't only evict us, but they
changed the locks on me. Oh no,

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wait did they go through court?
Wait? Did they go through court

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to do this? Yes? But
when we were wait, well hold on,

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hold on, I need to know
the process. Hold on, now,

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Eli, what was the process?
You actually went to court then,

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but they didn't. They didn't show
up. They said that the only reason

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why we went to court is so
that we that we knew that the whole

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family knew that we were going to
get evicted. Hold on, hold on,

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they had a court date. Yeah, how did they Did they change

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the locks after the court date?
Yes, they did on Monday. On

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Monday, I had the mobile home
for sale through a realtor, and the

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realtor went to go look on the
property and there was a big notice saying

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that we were evicted and that nobody
can go in there. What is the

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name? I don't know if they
did this legally or not. I mean

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maybe they did. I don't know. What's the name of the mobile home

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park. It's a front Range community
mobile home park. And where is it

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in. It's in Broomfield. It's
right off of like most Way Boulevard and

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zunif All right, hold on,
I got Deputy Bow, I have Deputy

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Dollar guys, which went Seriously,
we need to at least make sure they

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did it according to the law.
This doesn't sound right to me that they

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went to court and locked the doors. I mean, just this doesn't sound

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like a normal eviction. You're sure, Eli, you own the mobile home?

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Do you have a mortgage on it? Do you have a mortgage on

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the mobile cash? I paid cash
for it, but I have the documents.

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Oh my, so what I don't
understand is how they can. Yeah,

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not only evictors. Okay, we're
evicted, but how come they are

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taking They're already taking it apart.
They took everything apart. Now they're putting

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it on wheels so they can haul
it away. But it's my home.

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I don't understand this. Okay,
who's gonna take it? Kachina, tell

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me figure it out. We got
we really need to talk about this.

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This is unbelievable to me. I
mean, it really is. There's something

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00:19:26.519 --> 00:19:30.279
going on here, and we got
to Now. I know Brad O'Brien,

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didn't he say once he doesn't know
about mobile homes or laws. We got

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to figure out who does. Guys, let's get on this. Hold on,

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I'll be right. I'll be right
with you, or one of our

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00:19:41.079 --> 00:19:44.240
people will be right with you.
Okay, three ozho three seven to one

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three talk now, listen to this. Amber says she's being sued. I

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think it's a discover card. We'll
talk about that and more coming up on

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00:19:52.039 --> 00:19:55.880
the Troubleshooter Show. This is,
I can tell already turning out to be

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00:19:56.240 --> 00:20:00.319
a dreadful day for people, especially
when you get your mobile home lockdown by

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00:20:00.319 --> 00:20:03.240
the way eight eight eight heating dot
com. If you want honesty, integrity,

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00:20:03.559 --> 00:20:07.880
value, you want good people,
how about just putting it that way?

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00:20:07.200 --> 00:20:22.519
Great prices three O three seven seven
zero two seven seven six. Hi

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00:20:22.640 --> 00:20:29.160
Tom Martine, your troubleshooter three O
three seven one three talk three oh three

256
00:20:29.279 --> 00:20:33.839
seven one three eight two five five. I'm gonna go to a whych I

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hear? I'm also joined by bran
Ivans and now Ideal Home Loans talk a

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00:20:37.839 --> 00:20:42.799
little bit about loans. I also
said I wanted to talk about investments and

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00:20:42.920 --> 00:20:47.559
behind the scenes, what's happening with
mortgage rates. First, mortgage rates are

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used, or interest rates are used
to control inflation. Uh, the FED,

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they'll raise the rate a bit,
and that rate will be raised in

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order to slow down borrowing and slow
down the economy and the use of money.

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But that's one rate. And then
there's another rate that banks lend to

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each other. But the rate that
affects mortgages brent, is what rate that

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00:21:15.680 --> 00:21:19.839
the FED sets. Well, so
the FED sets are benchmark interest rate prime

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correct, and then they're okay,
funds rate, So federal funds rate,

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the bank's right right. So with
the federal funds rate, that's the rate

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00:21:29.839 --> 00:21:33.640
that banks pay the FED when they
borrow money overnight. That's exactly right.

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The discount rate is what banks charge
each other, and the prime is what

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00:21:37.200 --> 00:21:41.680
they charge their best customers. But
it's all based on federal funds. Yes,

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and then what ultimately drives mortgage rates
is the tenure Treasury, so we

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00:21:45.720 --> 00:21:52.279
will follow the tenure Treasury. So
a tenure Treasury bill is a benchmark for

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00:21:52.480 --> 00:21:57.920
thirty year loans. Yes, usually
they are a bit lower than thirty year

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00:21:57.960 --> 00:22:00.680
loans, right, Yeah, So
what you'll have happen like right now,

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00:22:02.400 --> 00:22:06.000
Historically, what you've been able to
do is you take the tenure Treasury add

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00:22:06.039 --> 00:22:08.920
one point five to one point eight
to it. So we call that basis

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00:22:08.920 --> 00:22:11.440
points in our business, right,
and that should be where the thirty year

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00:22:11.440 --> 00:22:15.799
fixed rate is. Right now,
what you're seeing is the tenure Treasury is

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00:22:15.839 --> 00:22:19.640
at four and a quarter roughly,
and you're running about a point and a

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00:22:19.759 --> 00:22:23.559
half ahead of that. So we're
running a little or two and a half

281
00:22:23.559 --> 00:22:26.960
points ahead of that. So we're
running at four right now. It's four

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00:22:26.960 --> 00:22:30.160
point four eight, you're right on. So, and that's the tenure t

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00:22:30.319 --> 00:22:33.839
bill, ye ten year t bill
so or or yeah. Yeah, So

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what's happening is we were discussing off
air before we got on, is that

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00:22:37.799 --> 00:22:42.079
you're seeing this spread run out ahead
of everything because there's all this unpredictability on

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00:22:42.119 --> 00:22:45.519
what the Fed's really going to do
and when they're going to do what they're

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00:22:45.559 --> 00:22:47.680
doing, right, are they going
to raise, are they going to cut?

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00:22:47.720 --> 00:22:51.319
Are they going to stay? But
okay, so normally on a four

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00:22:51.359 --> 00:22:56.000
and a half percent federal excuse me, a T bill on a on a

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00:22:56.640 --> 00:23:00.640
or T notte, it is for
ten years. So if it's a teen

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00:23:00.640 --> 00:23:04.319
not ten years at four and a
half, normally your mortgage would be what

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00:23:04.720 --> 00:23:08.279
would be six er six? Okay, but now this spreads wider, Yeah,

293
00:23:08.319 --> 00:23:11.680
the spreads wider. So today we're
at seven and a eighth on a

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00:23:11.680 --> 00:23:14.599
thirty year fix, So we're running
a full point in an eighth to a

295
00:23:14.640 --> 00:23:18.920
point in a quarter above what that
traditional historic spread has been. And what

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00:23:18.000 --> 00:23:23.160
my my goal here is to try
to educate as well sure and to people.

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00:23:23.279 --> 00:23:30.759
So here's the bottom line. What
you find when rates go up,

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00:23:30.799 --> 00:23:34.759
it's because it's let's put it this
way, they have to lure investors to

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00:23:34.839 --> 00:23:42.319
the mortgage market and pay them more
that means people have less faith in borrowers

300
00:23:42.480 --> 00:23:48.079
and less faith in the economy.
So it's not just the FED rate that

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00:23:48.160 --> 00:23:55.200
does that, but it's the rate
that people are attracted to. So if

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00:23:55.240 --> 00:24:00.319
people have no faith in the economy, they want won't go to mortgage and

303
00:24:00.359 --> 00:24:06.559
they won't buy mortgage bonds. So
they have to offer these investors more money

304
00:24:06.559 --> 00:24:10.920
for those mortgage bonds. And if
they pay the investors more, you're gonna

305
00:24:10.960 --> 00:24:15.640
pay more. And that's really a
reflection of the economy. So it's a

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00:24:15.640 --> 00:24:18.319
little bit of everything right now,
Yeah, it is. It is a

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00:24:18.359 --> 00:24:19.680
little bit of everything, for sure, you know. And look, part

308
00:24:19.680 --> 00:24:25.519
of what we're battling economically is during
COVID, we handed out thirteen trillion dollars

309
00:24:25.519 --> 00:24:27.400
in money. It takes a long
time for the work its way through the

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00:24:27.440 --> 00:24:33.160
economy and through the system. But
we are starting to see signs of inflation

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00:24:33.279 --> 00:24:37.359
weakening. We are starting to see
signs of unemployment, which, look,

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00:24:37.480 --> 00:24:38.839
the FED is not going to come
out and say this, but essentially what

313
00:24:38.880 --> 00:24:44.279
they're trying to do, they are
trying to create a job loss recession to

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00:24:44.359 --> 00:24:47.400
cool off inflishing because that's the tool
that they've had got it now, So

315
00:24:47.599 --> 00:24:51.720
that's where they're trying to that's friend
Ivanson ideal home loans. By the way,

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00:24:51.759 --> 00:24:53.799
Amber, go ahead, what's going
on now with Discover? What's happening?

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00:24:53.839 --> 00:25:02.079
Amber? Him? High? Amber? What's happening? So earlier this

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00:25:02.200 --> 00:25:07.960
week, I had a process server
come to my home and you know,

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00:25:07.079 --> 00:25:11.759
brought me to the paperwork that I'm
now, this is Discover a credit card?

320
00:25:11.839 --> 00:25:17.440
Right, yes, it is okay? And now why now? I

321
00:25:17.519 --> 00:25:22.480
actually don't have any issue with the
debt because it is my debt. I

322
00:25:22.599 --> 00:25:27.079
pay How much is it? It
is six thousand roughly okay? And why

323
00:25:27.119 --> 00:25:33.319
did they serve you? Did you
stop making payments? I actually couldn't make

324
00:25:33.359 --> 00:25:37.680
the payments because I lost my job. Okay. Now I have a job

325
00:25:37.839 --> 00:25:42.160
and I'm getting back on track,
and so I don't have any any issue

326
00:25:42.160 --> 00:25:45.400
with you know, it is a
debt. It is my debt, and

327
00:25:45.480 --> 00:25:48.119
I will pay it. How many
months does that represent? How many months

328
00:25:48.160 --> 00:25:56.119
did they wait before suing you?
It was approximately four months? Okay,

329
00:25:56.960 --> 00:26:03.079
So what is your question? So
my question is, so the process server

330
00:26:03.240 --> 00:26:08.000
came to my home, knocked on
my door. My children answered, you

331
00:26:08.039 --> 00:26:11.119
know, closed the door, came
and got me. So I come to

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00:26:11.160 --> 00:26:15.079
the door and I'm talking with her, and she, you know, tells

333
00:26:15.119 --> 00:26:18.559
me who she is, tell me
what she's doing. And it's like,

334
00:26:18.599 --> 00:26:22.000
okay, well I'm going to refuse
your service, Like I don't even that

335
00:26:22.039 --> 00:26:26.720
doesn't matter though, No, you're
just putting off the inevitable. I mean,

336
00:26:26.920 --> 00:26:32.680
refusing service doesn't help you. Okay, go ahead, And I understand

337
00:26:32.720 --> 00:26:34.880
that. But my issue is that, you know, I told her that,

338
00:26:36.079 --> 00:26:37.319
I figure, you know, you're
just going to leave it on my

339
00:26:37.400 --> 00:26:42.039
porch or something along those lines.
She reaches inside my door, passed my

340
00:26:42.200 --> 00:26:48.279
daughter and puts it on my couch
and you know, walks away, and

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00:26:48.319 --> 00:26:51.440
I'm like, hold on a second, can you do that? And I

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00:26:51.640 --> 00:26:55.440
yea she can hold on the trespassing
part, I don't think she can do.

343
00:26:55.720 --> 00:27:00.119
But you were served, though there's
two separates. Really, the real

344
00:27:00.200 --> 00:27:03.200
issue isn't whether you can be served
or not. I mean you're served.

345
00:27:03.240 --> 00:27:07.599
I mean you know you owe the
money, so so really what you should

346
00:27:07.640 --> 00:27:14.440
do is contact them and try to
avoid court. And I'll tell you why.

347
00:27:14.680 --> 00:27:17.920
You don't want a judgment against you. It's going to really hurt worse

348
00:27:18.000 --> 00:27:21.119
than if you had a payment plan. Both are going to hurt your credit,

349
00:27:21.160 --> 00:27:23.440
the missing payments and all that,
But a judgment is really going to

350
00:27:23.519 --> 00:27:30.480
hinder you. Okay, see,
here's what I'm doing. Here's what I

351
00:27:30.519 --> 00:27:36.559
want to say. In essence,
no matter what that processor did, right

352
00:27:36.640 --> 00:27:41.400
or wrong, it's not going to
prevent It doesn't address the core issue.

353
00:27:41.559 --> 00:27:45.759
But you're rights. She should have
not have done that. That is absolutely

354
00:27:45.799 --> 00:27:49.359
wrong. Absolutely, in fact,
it's trespassed. I don't think anybody will

355
00:27:49.400 --> 00:27:52.759
do anything about it, but they
should. She should have never done that.

356
00:27:55.039 --> 00:27:56.839
Can I have least I mean,
and you know, nothing may come

357
00:27:56.880 --> 00:28:02.680
of it, but can I at
least report that to some Oh? Absolutely,

358
00:28:02.680 --> 00:28:06.000
to the police. It's trespassed.
They were not supposed to come in

359
00:28:06.039 --> 00:28:08.440
your house and do that. It's
trespassing, especially if you told her not

360
00:28:08.559 --> 00:28:12.039
to and told her to leave,
or told her you're refusing. Now,

361
00:28:12.240 --> 00:28:15.920
what she should have done is just
throw it inside the door. I don't

362
00:28:15.920 --> 00:28:19.440
know why she walked in there and
put it on your table. Yeah,

363
00:28:21.400 --> 00:28:26.240
but listen, Amber, if you
call that collection attorney, most likely you

364
00:28:26.279 --> 00:28:29.119
know, if you tell them you
just got your job back and you start

365
00:28:29.160 --> 00:28:33.960
making payments, they'll withdraw this.
But don't whatever you do, show up

366
00:28:33.960 --> 00:28:42.640
at court unless you actually get a
dismissal. Okay, when is the court

367
00:28:42.759 --> 00:28:48.599
date set? July eighteenth? Well, I would contact them and see if

368
00:28:48.599 --> 00:28:53.160
they'll not dismiss it, but withdraw
it until because you're going to make payments

369
00:28:53.200 --> 00:28:56.680
and set up a payment plan.
That's the best thing. Now, if

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00:28:56.680 --> 00:29:00.079
you get a judgment, I mean
you, you can also get a judgment

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00:29:00.119 --> 00:29:03.240
if you don't care, and you'll
get a judgment and then they'll be entitled

372
00:29:03.680 --> 00:29:11.039
to collect payments and they'll garnish wages
and stuff like that. But try to

373
00:29:11.079 --> 00:29:14.960
avoid that if you can. But
you're right that process server is not allowed

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00:29:14.960 --> 00:29:17.839
to cross your threshold. Three all
three, seven to one three Talks seven

375
00:29:17.880 --> 00:29:27.920
to one three A two five five. Hi Tom Martino here, Welcome to

376
00:29:27.960 --> 00:29:38.119
the show. Denverregen dot com for
Semiglue Tide on a compounded basis monthly for

377
00:29:38.279 --> 00:29:42.200
just two hundred and fifty bucks a
month. Unbelievable price for the weight loss

378
00:29:42.279 --> 00:29:48.359
drug Denverregen dot com. Hey,
Nick wants to talk about a parking violation.

379
00:29:48.559 --> 00:29:52.000
Brent Ivnson is with me for ideal
home loans. We're also going to

380
00:29:52.079 --> 00:29:56.759
talk about mortgages and what's in store
for us, especially with an election year.

381
00:29:56.400 --> 00:30:00.839
You know, election years really play
havoc on the stock market and on

382
00:30:02.200 --> 00:30:06.079
loans. Hey, Nick, what's
going on? What's happened to Nick?

383
00:30:07.839 --> 00:30:11.119
Good morning, tom My name is
Nick. First time caller. I've been

384
00:30:11.160 --> 00:30:15.359
listening for quite some time. Thank
you myself. I do appreciate that.

385
00:30:15.480 --> 00:30:18.200
I hope I can help you.
All right. Well, I found myself

386
00:30:18.200 --> 00:30:21.960
in a parking situation. I've parked
at this lot. It's also it's by

387
00:30:22.039 --> 00:30:26.000
a McDonald's on like Pennsylvania and like
Cullfax, just north of full Fax,

388
00:30:26.640 --> 00:30:30.359
and I've worked there before, and
this time I parked here and they served

389
00:30:30.359 --> 00:30:36.440
me a parking violation. And now
what kind of a parking violation? It's

390
00:30:36.519 --> 00:30:41.240
it's good you weren't toad tell me
about the violation. So I parked,

391
00:30:41.400 --> 00:30:45.519
I paid, I left, and
then they send me something in the mail

392
00:30:45.720 --> 00:30:48.039
saying that like, hey, look, your ticket was expired, so we're

393
00:30:48.079 --> 00:30:56.200
servicing you parking violation. Was it
expired? I well, according to the

394
00:30:57.200 --> 00:31:00.519
picture I took of their so sign, it's three dollars per hour, nine

395
00:31:00.559 --> 00:31:03.920
dollars per day, or nine dollars
per night. I got theared of the

396
00:31:04.400 --> 00:31:11.000
according to their ticket at eleven oh
five pm the twenty fourth of February,

397
00:31:11.039 --> 00:31:15.279
and I left at one forty five
the twenty fifth, so from Saturday night

398
00:31:15.319 --> 00:31:18.400
to Sunday night, I believe it
was. And you know, are you

399
00:31:19.000 --> 00:31:22.519
let me just ask you this.
Are you basically saying because I wasn't keeping

400
00:31:22.559 --> 00:31:27.279
track of the days there? Are
you basically saying that what they're saying is

401
00:31:27.279 --> 00:31:34.759
is inaccurate? Yes? Okay,
you left and they claimed that they're violating

402
00:31:34.799 --> 00:31:42.279
you because you were still there.
Yes, okay, you know the plot

403
00:31:42.319 --> 00:31:45.839
thickens a little bit more because I'm
emailed them. I was like, hey,

404
00:31:45.920 --> 00:31:48.039
look guys, I paid you know, I was only there for like

405
00:31:48.160 --> 00:31:52.000
less than three hours. You said
it's three dollars per hour. I paid

406
00:31:52.079 --> 00:31:55.880
nine dollars, so that satisfies.
Okay, I know what you should do,

407
00:31:56.039 --> 00:31:57.319
nine dollars per night. I want
you to hang on. I know

408
00:31:57.359 --> 00:32:00.079
what you should do. And there's
something about these tickets. I want you

409
00:32:00.119 --> 00:32:04.640
to know that you may or may
not know. I'm Tom Martino. We'll

410
00:32:04.640 --> 00:32:07.640
talk about this coming up along with
everything else on The Troubleshooter Show three oh

411
00:32:07.680 --> 00:32:10.880
three seven one three eight, two
five five, or you can call three

412
00:32:10.880 --> 00:32:27.119
oh three Martino. Yeah, real
bad news to need, advice who you

413
00:32:27.200 --> 00:32:34.839
don't have the come running just as
fast as we can. Shooter's gonna help

414
00:32:35.119 --> 00:32:43.279
coming man. This is the Troubleshooter
Show. No Tom Martino, Hi Tom

415
00:32:43.319 --> 00:32:46.160
Martino here, Welcome to the show. Three O three seven one three talk

416
00:32:47.000 --> 00:32:52.519
three all three seven one three eight
two five five. We are here to

417
00:32:52.599 --> 00:32:55.200
help you in every stage of life. We try to help you with problems,

418
00:32:55.279 --> 00:32:59.319
questions, complaints, information that you
need to make your life a little

419
00:32:59.359 --> 00:33:02.839
easier. That's really what I've dedicated
myself to. Now. Brent Ivenson is

420
00:33:02.880 --> 00:33:06.359
with me for ideal home loans,
as I always say, for your next

421
00:33:06.400 --> 00:33:09.359
ideal home loan. But I'd like
to talk about rates. And a lot

422
00:33:09.359 --> 00:33:13.839
of people are waiting to buy because
they're waiting for rates to drop a little.

423
00:33:14.799 --> 00:33:17.400
I kind of think it's foolish,
and I'll tell you why. When

424
00:33:17.480 --> 00:33:22.839
rates drop, I perceive that real
estate prices go up. Brent, That's

425
00:33:22.839 --> 00:33:25.079
what I perceive. What do you
think? I think you're absolutely right.

426
00:33:25.119 --> 00:33:28.880
I think we're seeing a little bit
of a softening right now in real estate

427
00:33:28.920 --> 00:33:32.279
prices and listings and people cutting prices. But I think as soon as you

428
00:33:32.359 --> 00:33:36.920
see rates drop and again when we
see that first move from the Federal Reserve,

429
00:33:36.960 --> 00:33:40.240
which now the cut is scheduled to
be in September. Seventy percent probability

430
00:33:40.599 --> 00:33:45.880
they're going to move rates a point
in a quarter potentially at that point.

431
00:33:45.440 --> 00:33:49.680
And when they do, and if
they do, you are going to see

432
00:33:49.839 --> 00:33:52.720
a lot of buyers hit the market, and that is going to run up

433
00:33:52.720 --> 00:33:55.119
prices because look, our inventory levels
are still very very low. There's just

434
00:33:55.160 --> 00:33:58.759
not a lot of inventory out.
But as soon as rates go down,

435
00:33:58.839 --> 00:34:00.880
people are going to put houses on
the market. They're purposely not doing it

436
00:34:00.920 --> 00:34:05.279
now, and then you're going to
have more buyers hit and you're going to

437
00:34:05.319 --> 00:34:07.840
have more competition and rates and prices
are going to go up. Now.

438
00:34:07.840 --> 00:34:10.719
I'm not recommending you go out and
pay anything or buy a house, but

439
00:34:12.639 --> 00:34:15.480
even if you did buy a house
and you're paying even a full one or

440
00:34:15.519 --> 00:34:22.239
two or three percent more, what
you to get the deal now and then

441
00:34:22.320 --> 00:34:24.920
refi later. That's absolutely right.
I mean, look, we talk about

442
00:34:24.960 --> 00:34:30.239
this concept we have inside of Ideal
Homeowns is marry the home, date the

443
00:34:30.320 --> 00:34:32.199
rate, Okay, the rate.
We can move the rate down as the

444
00:34:32.280 --> 00:34:36.440
rates go down later on with our
interest rate. Get your house lock in

445
00:34:36.519 --> 00:34:38.800
the price now, because you're going
to get the best price by dealing with

446
00:34:39.039 --> 00:34:43.400
what's on the market now and buying
now, whereas later that price might be

447
00:34:43.480 --> 00:34:46.679
dramatically more expensive. And look,
it doesn't take much of an increase in

448
00:34:46.679 --> 00:34:52.519
that price to offset whatever goes on
the interest rate market, so you somewhat

449
00:34:52.559 --> 00:34:57.239
insure against that by buying now and
being able to refinance later. Okay,

450
00:34:57.320 --> 00:35:01.079
Now I ask people they can and
text me now. Not only at our

451
00:35:01.119 --> 00:35:05.920
five seven seven three nine, which
is the iHeart number. You can text,

452
00:35:05.920 --> 00:35:08.239
of course, put Tom in the
subject or Tom in the beginning.

453
00:35:08.280 --> 00:35:12.800
It'll come right to me five seven
seven three nine. You can also text

454
00:35:12.840 --> 00:35:15.840
me on my Google Voice number,
which is my private Google Voice number,

455
00:35:15.920 --> 00:35:20.920
so it comes right to me seven
four seven nine nine nine fifty two eighty

456
00:35:21.280 --> 00:35:24.320
Jr. From the Road says that
southbound two twenty five is a parking lot

457
00:35:25.079 --> 00:35:29.719
from I seventy southbound. I don't
know what's going on there. Somebody else

458
00:35:29.760 --> 00:35:32.719
wants to know what I think of
relief factor and Alpha Bran and these other

459
00:35:32.760 --> 00:35:37.039
pain relief things. I just want
to say this right up front, Okay,

460
00:35:37.519 --> 00:35:40.760
one thing you're going to get for
me all the time is complete transparency

461
00:35:42.360 --> 00:35:45.199
and honesty, because I don't care
anymore. As far as well, I

462
00:35:45.199 --> 00:35:49.840
shouldn't say I don't care. I
care a lot, but I don't have

463
00:35:49.920 --> 00:35:53.239
to behold to anyone, all right, I don't. I never really have,

464
00:35:54.239 --> 00:35:59.440
and I'm gonna. I always thought
this way. What good is it

465
00:35:59.519 --> 00:36:02.920
to be you and to have you
make a wrong decision and have you hate

466
00:36:02.920 --> 00:36:06.599
me the rest of your life?
Why would I ever do that to myself?

467
00:36:06.880 --> 00:36:10.280
And you don't last on the radio
for nearly fifty years on radio and

468
00:36:10.280 --> 00:36:16.039
TV by exaggerating and lying to people. So relief factor and all of those

469
00:36:16.280 --> 00:36:21.440
are very limited in help. There
is no cure in a cream. Ever,

470
00:36:21.960 --> 00:36:27.199
there's temporary relief and it's simply analgesic. That's all it is. Okay,

471
00:36:27.719 --> 00:36:30.400
aspirin tile and all relief factor.
I mean, these people will say

472
00:36:30.440 --> 00:36:32.679
I couldn't do this, and I
couldn't do that, My life has changed

473
00:36:32.719 --> 00:36:36.960
completely. It's just bull crap.
Okay, I'm just I'm sorry, it's

474
00:36:36.960 --> 00:36:39.000
bull crap. Does it give you
some relief? Yes, it does,

475
00:36:39.199 --> 00:36:45.079
Ben Gay gives you some relief,
Okay, because what it does it either

476
00:36:45.159 --> 00:36:50.679
stimulates blood flow in that area or
it simply numbs the area, or it

477
00:36:50.679 --> 00:36:57.400
gives you heat and it distracts your
neurons. Do you understand distraction sometimes is

478
00:36:57.440 --> 00:37:02.440
a way of pain relief, and
by creating that heat, it's a distraction

479
00:37:02.599 --> 00:37:07.280
from the pain many times. Or
it can deaden nerve impulses if you have

480
00:37:07.320 --> 00:37:13.960
a certain compound that can do some
numbing. But there's no there's no cure

481
00:37:14.000 --> 00:37:16.840
here, okay, And I'm not
picking on relief factor. I'm just telling

482
00:37:16.840 --> 00:37:22.199
you the God's honest truth. These
products work to a limited extent, okay,

483
00:37:22.639 --> 00:37:28.079
And there's plenty of over the counter
stuff that works, but they all

484
00:37:28.199 --> 00:37:35.280
work to a limited extent. The
real help for painful joints and muscles are

485
00:37:35.360 --> 00:37:40.360
supplements like magnesium, potassium, and
calcium for muscles. The three best minerals

486
00:37:40.360 --> 00:37:47.239
you can have for your muscles and
stretching which increases blood flow and then movement

487
00:37:47.679 --> 00:37:53.199
motion is lotion. I know it
sounds simple and honest, and sometimes simple

488
00:37:53.239 --> 00:37:58.000
and honest is the only thing that
works. Now, let's keep going,

489
00:37:59.320 --> 00:38:02.800
so Nick on the parking thing,
keep going. You said that they said

490
00:38:02.880 --> 00:38:09.239
you you expired when you said you
left earlier. What do they say to

491
00:38:09.280 --> 00:38:15.840
that? So it's you know,
as you may have noticed, this happened

492
00:38:15.880 --> 00:38:17.719
like four months ago. So we've
been emailing back and forth about this.

493
00:38:19.280 --> 00:38:21.800
The most interesting email I got and
I'm going to read it to you at

494
00:38:21.800 --> 00:38:25.519
the times on it is. It's
actually with an attorney now Daniel B.

495
00:38:25.679 --> 00:38:30.639
Kelly, attorney at law. I
guess is now the one that's his department

496
00:38:30.679 --> 00:38:34.559
has the ticket. So they I
said, hey, guys, can you

497
00:38:34.559 --> 00:38:37.039
always look into this. I you
know, it says this, I paid

498
00:38:37.039 --> 00:38:40.000
this and I still got a violation. I'd like to know why. Well,

499
00:38:40.039 --> 00:38:43.719
they sent me a thing and I
want you to list of the times.

500
00:38:43.760 --> 00:38:47.719
Here it says at the time the
notice was issued. The receipt displayed

501
00:38:47.719 --> 00:38:52.719
on the dash of the vehicle shows
an expiration date time of two twenty five,

502
00:38:52.800 --> 00:38:57.079
twenty twenty four, at eleven fifty
nine pm. The parking notice was

503
00:38:57.119 --> 00:39:01.840
issued on two twenty five, twenty
four. Now, I don't know if

504
00:39:01.840 --> 00:39:07.199
I'm crazy, but I think that
when they issued the notice, they're saying

505
00:39:07.239 --> 00:39:10.679
that the expiration time was at the
end of that day. Okay, here's

506
00:39:10.679 --> 00:39:15.159
the bottom line, Nick. You
know what that parking violation is, right,

507
00:39:15.199 --> 00:39:21.199
you know what it is. It's
a bill, It's a private bill,

508
00:39:21.519 --> 00:39:25.159
private, Okay, no authority whatsoever. Now, for example, if

509
00:39:25.199 --> 00:39:31.599
I told you you can sit in
my outdoor dining as long as you order

510
00:39:32.480 --> 00:39:37.719
every half hour, and your credit
card was on file, and you left

511
00:39:37.760 --> 00:39:42.440
and I ran up another drink saying
you stayed an extra half hour, it

512
00:39:42.480 --> 00:39:45.760
would be exactly like a parking violation. I am simply saying to you,

513
00:39:45.760 --> 00:39:49.760
you owe me the money you're saying
you don't. The fact that it goes

514
00:39:49.800 --> 00:39:53.840
to an attorney means nothing whatsoever.
Nothing. They can send it to their

515
00:39:53.840 --> 00:39:58.440
priest. I don't care who they
send it to. It is an accusation,

516
00:39:59.000 --> 00:40:01.679
it is a claim, it is
a bill. You are as right

517
00:40:01.760 --> 00:40:07.320
as they are until someone proves it
not you. Then so they have to

518
00:40:07.480 --> 00:40:13.639
prove that you stayed there beyond expiration. Okay. A lot of these parking

519
00:40:13.719 --> 00:40:15.280
violations, by the way, get
it wrong. You know these new little

520
00:40:15.360 --> 00:40:20.079
signs that you go park, you
know, park by phone or whatever,

521
00:40:20.159 --> 00:40:23.360
And I have it, and it
has the number and it says are you

522
00:40:23.480 --> 00:40:27.360
here? You know on that number
it's a three zero, three sixty six

523
00:40:27.440 --> 00:40:30.320
four nine or something. You say
yes, and then you pick your car

524
00:40:30.440 --> 00:40:31.679
number, your license. Pay.
Have you seen the pay by phone.

525
00:40:31.840 --> 00:40:37.960
Parking. Okay, you'll get notices
as your time is about to expire.

526
00:40:37.559 --> 00:40:42.639
Now, when you leave, you
still get those notices and it tells you.

527
00:40:43.519 --> 00:40:47.000
Now, technically you're supposed to say
you left, but if you don't,

528
00:40:47.199 --> 00:40:52.519
they don't bill you automatically. But
sometimes they get it wrong. It's

529
00:40:52.719 --> 00:40:55.239
up to them to prove it.
You have to prove nothing. You simply

530
00:40:55.280 --> 00:41:00.039
say I left, it's done.
That attorney you will have to take you

531
00:41:00.119 --> 00:41:06.920
to court, and in court will
have to prove there is no proof that

532
00:41:07.039 --> 00:41:12.159
I know of, unless they have
photographic evidence that is time stamped. Okay,

533
00:41:12.400 --> 00:41:15.119
So people lose too much sleep over
this. Here's what I say.

534
00:41:15.599 --> 00:41:20.960
Here's how I answer those violations.
I know when I left, and that

535
00:41:21.159 --> 00:41:23.800
is my stance. If you must
take me to court, that's the way

536
00:41:23.840 --> 00:41:29.559
I leave it. They have no
official capacity whatsoever. It's not like the

537
00:41:29.599 --> 00:41:31.840
parking. It's not like a police
officer gave it to you. If a

538
00:41:31.880 --> 00:41:36.719
police officer gave it to you,
there's a certain amount of credibility and a

539
00:41:36.760 --> 00:41:42.159
certain amount of objectivity that a judge
will take into consideration. For example,

540
00:41:42.320 --> 00:41:45.800
why does this police officer care?
Why would they give you a ticket?

541
00:41:45.800 --> 00:41:50.159
If you weren't really there. Blah
blah blah blah blah. So this is

542
00:41:50.239 --> 00:41:53.480
not what happens with private parking lots. And I've owned five of them,

543
00:41:53.679 --> 00:41:58.440
Okay, I can tell you,
and Republic Parking used to do my parking,

544
00:41:58.840 --> 00:42:00.920
and they would do the tickets and
all that. They were very honest

545
00:42:00.960 --> 00:42:04.519
and very good. I don't know
what company gave you this ticket, but

546
00:42:05.039 --> 00:42:12.599
I am telling you that it is
nothing more than a bill. So way,

547
00:42:13.360 --> 00:42:16.039
so, on the ticket, it
does show pictures of the time that

548
00:42:16.079 --> 00:42:21.400
I showed up with my license plate
at eleven oh five pm and of me

549
00:42:21.519 --> 00:42:23.480
leaving at eleven forty five PM.
And my argument is like, hey,

550
00:42:23.480 --> 00:42:28.320
look I paid, here's the nine
dollars that should satisfy the thing. So

551
00:42:28.840 --> 00:42:31.559
is that a good enough defense.
Well, if it was nine dollars for

552
00:42:31.639 --> 00:42:36.079
that time frame, yes, then
why are they saying you owe them more?

553
00:42:37.679 --> 00:42:38.880
I don't know. That's why.
I think it's just well, then

554
00:42:39.039 --> 00:42:45.480
then their own proof shows that you're
right. Okay, So I mean I

555
00:42:45.480 --> 00:42:53.079
don't unless they're saying that nine forty
five was the next day. I think

556
00:42:53.119 --> 00:42:57.840
that's what they're trying to say.
They want to say that my parking lasted

557
00:42:57.880 --> 00:43:01.159
from the twenty fourth at eleven five
till the twenty fourth at eleven fifty nine,

558
00:43:01.159 --> 00:43:05.159
which you know I paid nine dollars. It doesn't make sense that I

559
00:43:05.199 --> 00:43:07.960
only got a forty five minute window
when the sign says nine dollars per night.

560
00:43:09.159 --> 00:43:13.719
Well, here's the deal. If
you know you're right, you fight

561
00:43:13.760 --> 00:43:15.559
it in court. You just show
them that. I doubt they're gonna take

562
00:43:15.599 --> 00:43:20.440
you, but I would go and
make your argument. Or you pay how

563
00:43:20.480 --> 00:43:23.599
much do they want? They want
eighty two dollars. All right, that's

564
00:43:23.679 --> 00:43:27.719
up to you pay it. Until
I noticed this, well, then that's

565
00:43:27.800 --> 00:43:30.920
up to you. I wouldn't pay. If I thought I was right,

566
00:43:30.960 --> 00:43:34.760
I wouldn't pay. Three oh three
seven one three eight two five five clam,

567
00:43:34.800 --> 00:43:37.119
hang on, we'll give you some
Well, we'll hear your problem coming

568
00:43:37.199 --> 00:43:40.440
up and whatever you have. Give
us a call if you have a problem

569
00:43:40.559 --> 00:43:51.119
question complaint three all three seven one
three eight two five five. Hi Tom

570
00:43:51.159 --> 00:43:54.280
Martinez here, three oh three seven
one three talks seven one three eight two

571
00:43:54.320 --> 00:43:59.599
five five one clear choice garage doors
for your garage door needs. I love

572
00:43:59.639 --> 00:44:02.360
these guys, guy. They're prompt, they're quick, they're twenty four to

573
00:44:02.360 --> 00:44:07.159
seven and all of their prices are
on their website. One clear choice doores

574
00:44:07.199 --> 00:44:12.320
dot com. Seriously, there are
a lot of shlocks in this business with

575
00:44:12.400 --> 00:44:15.000
a pickup truck or an suv and
they know nothing. These guys are factory

576
00:44:15.039 --> 00:44:19.280
authorized for both doors. They can
do the doors, the openers, any

577
00:44:19.320 --> 00:44:24.159
part of them. Seven to zero
three seven zero thirty nine eighty seven one

578
00:44:24.280 --> 00:44:29.199
clear choice doors dot com. Don't
even think about it. Brent Evans and

579
00:44:29.239 --> 00:44:34.960
Ideal home loans real quick here on
mortgages, someone wants to know, do

580
00:44:35.079 --> 00:44:38.559
you do that loan that a lot
of people talk about. I used to

581
00:44:38.599 --> 00:44:45.239
advertise one of them where what is
it called? Jim? Who does it?

582
00:44:46.960 --> 00:44:52.559
CMG? You know the Actuay accelerator
accelerator where they can do you do

583
00:44:52.639 --> 00:44:55.239
those kinds of alone? Now we
have the ability to broke or that,

584
00:44:55.320 --> 00:44:59.159
but we don't do it very often. I think we've probably have done.

585
00:44:59.239 --> 00:45:01.480
Yeah, these are it's just where
you can how does it work? And

586
00:45:01.800 --> 00:45:07.159
even forget it now? Kurt Rogers
used to advertise it. But but this

587
00:45:07.400 --> 00:45:13.000
loan was supposedly you take out a
loan and it's really like a thirty year

588
00:45:13.000 --> 00:45:15.679
line of credit. You pay up
or down, up or down. It's

589
00:45:15.679 --> 00:45:19.800
basically the concept is it's a gigantic
heelock on your house, yet will sweep

590
00:45:19.840 --> 00:45:22.719
the cash that you have available applied
against the balance on the helock lower your

591
00:45:22.719 --> 00:45:27.039
effective interest. Yeah, yeah,
so and again, and I think it

592
00:45:27.119 --> 00:45:30.440
worked really well in very you know
market times. But I think now that

593
00:45:30.559 --> 00:45:32.920
helock rates are up as high as
they are, I don't think it's as

594
00:45:32.960 --> 00:45:36.679
effective as it used to be,
just because the rate is higher. Do

595
00:45:36.719 --> 00:45:39.039
you do reverse loans? You know? We also do reverse loans? Yeah,

596
00:45:39.239 --> 00:45:42.360
you really do. Yep, we
have the ability to do them.

597
00:45:42.519 --> 00:45:44.960
So I don't know if you want
them or not, but I know we've

598
00:45:44.960 --> 00:45:45.920
got a lot of inquiry. No, for sure, No, we do

599
00:45:46.000 --> 00:45:50.760
reverse mortgages. I mean, look, it's is we have an aging baby

600
00:45:50.760 --> 00:45:54.679
boomer population. It is becoming a
great, great way for people to access

601
00:45:54.679 --> 00:45:59.239
cash. And we're even having wealth
management professionals reach out to reach out to

602
00:45:59.280 --> 00:46:00.760
us and say, hey, look, I think it makes more sense for

603
00:46:00.800 --> 00:46:04.760
these people to get a reverse mortgage
on their home because their homes free and

604
00:46:04.800 --> 00:46:07.239
clear. It's a it's an ass
well, it's a certainly better than credit

605
00:46:07.280 --> 00:46:13.480
cards for God's So I have people
say why would you tap equity and let

606
00:46:13.559 --> 00:46:15.719
it eat up your equity. What
you don't understand is it doesn't have to

607
00:46:15.760 --> 00:46:20.280
eat up your equity. You can
make payments on it. You can actually

608
00:46:20.320 --> 00:46:22.639
make interest payments rather than a credit
card. But I mean, what all

609
00:46:22.679 --> 00:46:25.719
I'm saying is this is it's an
option. I'm not saying, as I

610
00:46:25.760 --> 00:46:30.639
said before, Brent, there is
no end all for all investments. And

611
00:46:30.679 --> 00:46:36.119
that's the one thing that I learned
a long time ago is that there's nothing

612
00:46:36.159 --> 00:46:39.320
that's completely right or completely wrong.
Well, and in the reality of it

613
00:46:39.360 --> 00:46:45.960
is this. Every single person who
calls our office, everybody, everyone's situation

614
00:46:45.119 --> 00:46:49.679
is totally different. It's unique to
them. And that's why we look at

615
00:46:49.679 --> 00:46:52.239
it and say, listen, we
have all the products available, we have

616
00:46:52.280 --> 00:46:54.960
every option available. You tell me
what it is you're trying to solve and

617
00:46:54.960 --> 00:46:58.920
where you're trying to go, and
we'll give you the vehicle mortgage why and

618
00:46:58.960 --> 00:47:00.880
get there. That's why I always
say, hey, ideal home loans for

619
00:47:00.880 --> 00:47:04.239
your next ideal home loan. I
invented that slogan. People, Hey,

620
00:47:04.280 --> 00:47:07.840
clem, let's talk about your problem. What's going on with you, Clem?

621
00:47:09.400 --> 00:47:14.440
Tom. I am having a lot
of trouble trying to find a lawyer

622
00:47:14.559 --> 00:47:19.199
to represent my sister in Oklahoma City. Okay, tell me what the situation

623
00:47:19.440 --> 00:47:25.599
is with your sister. Well,
she is the victim of I guess you

624
00:47:25.679 --> 00:47:31.320
might call it elder abuse, financial
exploitation by her daughter and son in law.

625
00:47:31.960 --> 00:47:36.000
Now, hold on, does she
know she's a victim? Or is

626
00:47:36.039 --> 00:47:43.679
this you recognizing it? She knows
she's a victim. I mean she back

627
00:47:43.719 --> 00:47:50.280
in twenty twenty when COVID was going
on, they courced her to go to

628
00:47:50.360 --> 00:47:55.400
their lawyer. And while she was
sitting in there talking with the lawyer,

629
00:47:55.599 --> 00:48:00.280
they were both sitting one on either
side of her, coaching or well,

630
00:48:00.280 --> 00:48:04.920
hold on, any good attorney might
recognize us. How old was she when

631
00:48:04.960 --> 00:48:12.559
they did this? She would have
been seventy nine. So here's what I

632
00:48:12.599 --> 00:48:17.400
want to know. She has one
daughter only or are there other siblings you

633
00:48:17.440 --> 00:48:22.960
can call as well? She has
one daughter and one son? And does

634
00:48:23.000 --> 00:48:30.320
the son know what the daughter's doing? He knows? Now, okay,

635
00:48:30.440 --> 00:48:34.719
so what's okay? Now I want
to know what are they doing. Let's

636
00:48:34.800 --> 00:48:38.719
let's start there. What are they
doing to her? Well, for starters,

637
00:48:38.760 --> 00:48:45.119
they got her to sign a power
of attorney to the daughter a will,

638
00:48:45.599 --> 00:48:51.280
make a will that had the daughter
and son in law and their kids

639
00:48:51.639 --> 00:48:54.519
as the only beneficiaries. Well,
hold on, hold on, hold on.

640
00:48:55.159 --> 00:49:00.920
What is wrong with the mom making
a will for her daughter and son.

641
00:49:02.320 --> 00:49:07.199
Well, the problem right now is
she wanted to move from Oklahoma City

642
00:49:07.280 --> 00:49:14.679
back to Billings, Montana, Okay. And in the meantime, along with

643
00:49:14.719 --> 00:49:22.079
this process of power of attorney and
a new will, they did a new

644
00:49:22.159 --> 00:49:29.960
deed. Or my sister transferred the
title in her home to not only just

645
00:49:30.079 --> 00:49:36.440
her but to her and her daughter. Wros Wait wait a minute, Wait

646
00:49:36.440 --> 00:49:39.320
a minute, wait a minute,
what does that mean? Though she transferred

647
00:49:39.320 --> 00:49:45.280
the will, I trust me,
she transferred the deed upon death. Is

648
00:49:45.320 --> 00:49:49.079
that what it is? Or what
kind of transfer? Or was it a

649
00:49:49.159 --> 00:49:52.639
quit clean immediate transfer? What kind
of transfer? I don't understand this.

650
00:49:52.760 --> 00:49:59.079
It was it was a quit claim
immediate transfer. And your sister says she

651
00:49:59.119 --> 00:50:05.239
didn't mean to do that, Well
she didn't mean. According to what's happened

652
00:50:05.280 --> 00:50:12.199
now her daughter owns half of the
house. Well, they just screwed themselves

653
00:50:12.199 --> 00:50:15.960
out of any tax benefits for a
But is the sister is your sister?

654
00:50:16.800 --> 00:50:24.880
What's her first name? Irene?
Is your sister Irene willing to take action

655
00:50:25.239 --> 00:50:31.000
against her daughter to say than being
victimized? Does the daughter and son in

656
00:50:31.079 --> 00:50:36.000
law do they live with her?
No, they have their own home.

657
00:50:36.880 --> 00:50:40.119
Do you think they'll be mean to
her? Oh? I know they have

658
00:50:40.239 --> 00:50:47.199
been. Do you think she's afraid
of them? Yes, to a certain

659
00:50:47.239 --> 00:50:52.880
extent, she is. She isn't
right now because she's moved to Billings,

660
00:50:52.960 --> 00:50:58.960
Montana. Wait and her home she
gave up? Well, her home is

661
00:50:59.000 --> 00:51:02.159
still setting in oaklea home a city. And yeah, but the daughter owns

662
00:51:02.159 --> 00:51:06.039
half of it, you said,
does Why didn't the daughter move in?

663
00:51:07.400 --> 00:51:13.760
Because they have a much better home
of their own. What are they trying

664
00:51:13.760 --> 00:51:15.679
to take? Is your sister rich? What are they trying? What is

665
00:51:15.719 --> 00:51:22.800
their endgame here? Just greed?
Just greed is the only answer I have

666
00:51:22.960 --> 00:51:25.800
to give you. Okay, Do
they say, hey, mom, we

667
00:51:25.880 --> 00:51:30.320
have your best interests at heart?
Or and what is the brother thing?

668
00:51:30.760 --> 00:51:34.800
Is he mad at his sister for
this? Or what? Oh? Definitely

669
00:51:34.880 --> 00:51:40.360
he's mad at her. Is he
doing anything about it? Well? I

670
00:51:40.360 --> 00:51:46.159
don't know. He's a truck driver
who is works a lot of hours.

671
00:51:47.679 --> 00:51:53.440
And you know this, this is
kind of out of totally out of his

672
00:51:53.559 --> 00:52:01.239
area of expertise. Okay, I've
been trying to help my sister. Is

673
00:52:01.280 --> 00:52:07.880
she willing to hire an attorney?
She is? Okay? Okay. And

674
00:52:08.079 --> 00:52:15.519
you think it's truly elderly abuse.
Oh, I've talked to Adult services in

675
00:52:15.559 --> 00:52:22.960
Oklahoma City there and he's interviewed me, my sister, her son, and

676
00:52:22.000 --> 00:52:28.559
he what did he call it?
It's an old brainer elder abuse. Okay,

677
00:52:28.599 --> 00:52:35.920
Now listen, I I want to
give you a couple of names here.

678
00:52:35.960 --> 00:52:40.400
Okay, Okay, There are there's
a law firm that's pretty famous there

679
00:52:40.440 --> 00:52:46.360
for looking into nursing home abuse and
neglect cases. Now that doesn't mean they

680
00:52:46.360 --> 00:52:50.639
handle what you do, but it
does mean they have a heart for older

681
00:52:50.679 --> 00:52:58.519
people. Right. That's Cain c
Ai n Law Office, Cain, the

682
00:52:58.599 --> 00:53:00.519
Caine Law Office. Now, I'm
not saying to hire them, I'm saying

683
00:53:00.559 --> 00:53:07.800
to interview them, Okay, because
usually nursing home types of people know the

684
00:53:07.920 --> 00:53:14.719
law for elder But there is another
firm that does elder abuse and victims of

685
00:53:15.559 --> 00:53:22.719
negligence, reckless behavior, and wrongdoing. Okay, but it's mostly again in

686
00:53:22.880 --> 00:53:27.320
nursing home stuff. So you have
to ask them straight up. Look,

687
00:53:27.719 --> 00:53:31.079
if you can't help, can you
please refers to someone. These are respected

688
00:53:31.159 --> 00:53:39.280
law firms. One is Dan Davis'
Law, ok. And then the other

689
00:53:39.320 --> 00:53:44.679
one again nursing home and stuff.
And the reason I give you those they've

690
00:53:44.719 --> 00:53:47.199
made quite a name for themselves in
the and like I said, when they

691
00:53:47.239 --> 00:53:52.119
handle that kind of stuff, you
pretty much they pretty much know what elder

692
00:53:52.159 --> 00:53:59.639
abuse is. Did the agency have
any recommendations at all? Yeah, you

693
00:54:00.039 --> 00:54:05.920
have tried the state bar. We'll
try these law firms and let's see.

694
00:54:05.960 --> 00:54:13.000
Okay, able, don't do that. Talk to the people that have actually

695
00:54:13.039 --> 00:54:21.559
fought for elderly Okay. And again
keep in mind that any attorneys that do

696
00:54:21.719 --> 00:54:28.119
this kind of law for nursing homes, it's it's usually on contingency, So

697
00:54:29.119 --> 00:54:31.360
you know, it doesn't mean they're
going to take this case, but they

698
00:54:31.440 --> 00:54:37.800
probably would be a good place to
start it. I can't stand when kids

699
00:54:37.840 --> 00:54:40.480
start doing this to their parents.
Does your sister have any money at all?

700
00:54:43.039 --> 00:54:46.400
Well, she's got some money,
but what would her entire state be

701
00:54:46.480 --> 00:54:52.000
worth, house and everything? What
would it be worth house and everything?

702
00:54:52.320 --> 00:54:58.199
Well, after spending a bunch of
more money on a law lawyer to fight

703
00:54:58.320 --> 00:55:06.760
off wait, she's already hired attorneys. Yes, we've hired attorneys for guardianshipcase

704
00:55:07.320 --> 00:55:10.280
that the daughter and son in law
brought against my sister. Wait, so

705
00:55:10.400 --> 00:55:15.159
the daughter and son in law wanted
to get guardianship over her. Oh yes,

706
00:55:16.320 --> 00:55:21.679
and they did not succeed. They
did not succeed the judgement. Okay.

707
00:55:21.840 --> 00:55:25.199
The other firm before I forget Abel
ab E l Able law firm.

708
00:55:25.599 --> 00:55:29.960
So you got Cain. Honest to
God, you have Cain and Abel.

709
00:55:30.159 --> 00:55:34.119
You have one Cane law firm.
The other one is Able law firm.

710
00:55:34.519 --> 00:55:37.119
I don't know if they're brothers,
but anyway, then you have Dan Davis

711
00:55:37.199 --> 00:55:42.280
Law. I swear to God there's
an Able law firm and a Caine law

712
00:55:42.320 --> 00:55:46.719
firm and they both specialize in older
stuff. So listen, here's the deal.

713
00:55:47.599 --> 00:55:52.760
I'm so happy she has someone looking
after her that there's nothing worse.

714
00:55:52.159 --> 00:55:58.840
We've had cases where homes were stolen, money was stolen, undue influence.

715
00:55:59.159 --> 00:56:05.519
We even have a case from some
scumbag that went to a guy's house to

716
00:56:05.599 --> 00:56:13.199
do home health care and bought a
car from a guy for sixteen hundred that

717
00:56:13.320 --> 00:56:17.760
was being sold for sixteen thousand,
and she just just robbed him blind.

718
00:56:19.079 --> 00:56:22.039
It's a terrible situation. But in
any case, the best to you.

719
00:56:22.159 --> 00:56:25.880
Let me know what you find.
You can always call us back too,

720
00:56:27.320 --> 00:56:30.960
and let us know. Please,
I'm going to mark this down and just

721
00:56:30.039 --> 00:56:35.400
go ahead, man, take care
of her and go after these scumbags.

722
00:56:36.480 --> 00:56:40.519
Well, I'm doing the best I
can. Problem I have right now is

723
00:56:40.559 --> 00:56:45.960
signing a law firm to try to
get her house back. I mean right

724
00:56:45.000 --> 00:56:50.960
now, the daughter doesn't want her
to sell her house. As matter of

725
00:56:51.000 --> 00:56:52.920
fact, what did the daughter?
Why is the daughter on the house?

726
00:56:52.960 --> 00:56:59.039
What excuse did she give to get
mom to sign over? It was part

727
00:56:59.079 --> 00:57:02.559
of the process. They were trying
to get all the mom's money. How

728
00:57:02.639 --> 00:57:06.920
much money? Just tell me what
does she have? A million dollars?

729
00:57:07.239 --> 00:57:13.559
No, it's more like six seven
hundred thousand if she s okay and is

730
00:57:13.639 --> 00:57:17.719
able to keep the proceeds of the
house if she sells it. The daughter

731
00:57:17.800 --> 00:57:22.239
wants half of it right now,
is what she says. And for what

732
00:57:22.440 --> 00:57:28.159
reason? Why would the daughter be
entitled to half? We have no other

733
00:57:28.239 --> 00:57:35.000
reason but greed. This sucks,
man, So listen, I wanted to

734
00:57:35.239 --> 00:57:40.320
ask one other issue, what is
that? How she was while my sister

735
00:57:40.480 --> 00:57:44.639
was in the nursing home. The
daughter put her in a nursing home.

736
00:57:45.840 --> 00:57:49.880
While she was in the nursing home, she went into the house and stole

737
00:57:49.920 --> 00:57:55.079
about thirty thousand dollars worth of jewelry
and won't give that back either. God

738
00:57:55.199 --> 00:58:01.280
Almighty, there's a special place in
hell for her. I'm telling you,

739
00:58:01.280 --> 00:58:05.599
you know, you know I have
said exactly the same thing, Tom,

740
00:58:05.719 --> 00:58:12.440
and it's just terrible. And I
mean, they put my sister on there

741
00:58:12.599 --> 00:58:19.320
so much stress from May thirty first
last year until the case well through court.

742
00:58:19.480 --> 00:58:23.599
I'm hoping. Okay, you're listen. I want you guy, when

743
00:58:23.679 --> 00:58:30.719
when if your son or excuse me, your nephew can call back, her

744
00:58:30.800 --> 00:58:34.599
son call me. We'd like to
talk to him too. We can help.

745
00:58:34.760 --> 00:58:37.400
He can, he can take matter. He has more of standing than

746
00:58:37.440 --> 00:58:43.119
anyone to refute that. I want
to talk to Hey, Kachina, do

747
00:58:43.199 --> 00:58:45.880
me a favor. Clem hang on, I gotta take it break. We

748
00:58:45.920 --> 00:58:50.239
have a power of you. Wait, you have power of attorney right now?

749
00:58:51.199 --> 00:58:54.760
Yes, for my sister. Okay, So is the daughter out of

750
00:58:54.800 --> 00:58:59.719
it right now? Out of everything? The daughter's out of it other than

751
00:58:59.760 --> 00:59:02.679
she's got a title on the okay, from the title of the right.

752
00:59:02.840 --> 00:59:09.320
I want to talk to Dan Mackenzie
or Kielan Park so Kachina. Keep Clem

753
00:59:09.400 --> 00:59:12.639
on and see if we can get
one of those on for a minute,

754
00:59:12.679 --> 00:59:15.159
because I know they must they must
have come across something like this. I

755
00:59:15.199 --> 00:59:19.039
got to take this break. I'm
Tom Martino. Three oh three seven one

756
00:59:19.079 --> 00:59:30.719
three a two five five. Hi
Tom Martino here three o three seven one

757
00:59:30.800 --> 00:59:36.039
three talk three oh three seven one
three eight two five five. Welcome to

758
00:59:36.079 --> 00:59:39.239
the show. Let's continue here and
help you any way we can. And

759
00:59:39.440 --> 00:59:43.559
I have ideal home loans with us
too. If you have any home loan

760
00:59:43.679 --> 00:59:50.599
questions at all. We are getting
someone on to answer for Clem about his

761
00:59:50.719 --> 00:59:57.519
sister. You know, this is
a very common problem people elder abuse or

762
00:59:57.599 --> 01:00:02.079
people being taken advantage of who are
older when it comes to home loans and

763
01:00:02.159 --> 01:00:08.880
getting the proceeds or even reverse loans
and getting the proceeds or getting people to

764
01:00:09.000 --> 01:00:15.519
quit blame their home to them or
anything like this. It's become very very

765
01:00:16.480 --> 01:00:22.960
insidious, and unfortunately with the older
people, it's usually someone who knows them,

766
01:00:23.239 --> 01:00:30.960
like their own kids taking advantage of
their parents. It's really sad.

767
01:00:31.360 --> 01:00:36.880
Three three seven one three a two
five five or three oh three Martino three

768
01:00:37.119 --> 01:00:38.639
three, six, two, seven, eight, four sixty six. I

769
01:00:38.679 --> 01:00:43.039
want to get on Kiel and Park
to talk about this if we can.

770
01:00:43.320 --> 01:00:49.960
And I also want to mention that
when it comes to wills and probate and

771
01:00:51.079 --> 01:00:55.599
stuff like that, there needs to
be a provision as to who takes over

772
01:00:57.239 --> 01:01:04.360
for incompetence. So all of you
listening, if you have older relatives or

773
01:01:04.360 --> 01:01:09.039
if you're older yourself, put a
provision in your retirement plan or excuse me,

774
01:01:09.079 --> 01:01:15.159
in your estate plan as to who
should take over and take care of

775
01:01:15.159 --> 01:01:22.239
your affairs. Brent Ivenson ideal home
loans. Are people doing arms anymore?

776
01:01:23.079 --> 01:01:27.440
You know, we're not seeing many
of them. The reason primarily that's adjustable

777
01:01:27.480 --> 01:01:30.559
rate mortgagees. For those listening,
they're priced very close to your thirty year

778
01:01:30.599 --> 01:01:34.719
fixed rates right now, so there's
not a huge advantage for arms. And

779
01:01:34.920 --> 01:01:37.079
part of the reason is that,
look, with this jump and higher rates,

780
01:01:37.159 --> 01:01:40.280
everybody's anticipating at some point in the
future, and we don't know when

781
01:01:40.280 --> 01:01:44.360
that will be, that rates are
going to go lower. So those ARM

782
01:01:44.440 --> 01:01:49.320
prices aren't priced nearly as well because
they know they're ultimately going to refinance off

783
01:01:49.360 --> 01:01:51.840
to a lower rate. So that's
part of what we have going on in

784
01:01:51.840 --> 01:01:53.840
the mortgage backed securities market. That's
part of what we're seeing with you know,

785
01:01:53.880 --> 01:01:58.960
the market as a whole, is
that things aren't priced as competitively as

786
01:01:59.000 --> 01:02:02.039
they normally would be because they know
that these things are going to go down

787
01:02:02.119 --> 01:02:07.760
later at some point in time.
Okay, So as far as people,

788
01:02:08.320 --> 01:02:12.840
we talk to a guy the other
day two point seventy five percent. I

789
01:02:12.880 --> 01:02:16.119
mean, that's really hard to get
out of, but he needed some extra

790
01:02:16.199 --> 01:02:21.840
cash. So let's talk about helocks. We we do them. It's a

791
01:02:21.840 --> 01:02:23.880
great option, it is, you
know, we'll look at the whole picture,

792
01:02:24.000 --> 01:02:28.320
and I will tell you in some
instances because look, you your helock

793
01:02:28.440 --> 01:02:30.920
rates are you know, can be
anywhere from nine and a half to eleven

794
01:02:30.000 --> 01:02:32.840
and a half percent, just depending
on you know, loan to value,

795
01:02:32.840 --> 01:02:36.159
how much you need, what your
credit score is, all those things.

796
01:02:36.519 --> 01:02:38.880
But ultimately we will look at every
aspect. If a helock makes sense,

797
01:02:39.320 --> 01:02:43.599
that's the route we're going to take. If it makes sense to give up

798
01:02:43.639 --> 01:02:46.119
that ultra low rate on your current
mortgage because we have so much debt we're

799
01:02:46.119 --> 01:02:50.119
paying off, and when we look
at a blended rate and how much we

800
01:02:50.199 --> 01:02:52.840
can save you and applying some of
that savings back towards the new loan is

801
01:02:52.880 --> 01:02:57.159
going to get you a lower effective
rate that maybe is somewhere in the fours.

802
01:02:57.559 --> 01:02:59.400
Then we'll tell you to do that. We're going to look at all

803
01:02:59.440 --> 01:03:01.039
the options. And again, the
great thing about what we do, the

804
01:03:01.079 --> 01:03:05.880
math tells the whole story. Either
it makes sense or it doesn't. There's

805
01:03:05.920 --> 01:03:07.679
no fudging the math. It either
saves you money or it doesn't save you

806
01:03:07.760 --> 01:03:10.519
money. And we'll look at every
option to make sure we're putting you in

807
01:03:10.519 --> 01:03:15.400
the best possible situation. And when
it comes to mortgages in general, you

808
01:03:15.400 --> 01:03:20.599
know, like when people we always
talk about levels of responsibility and I don't

809
01:03:20.639 --> 01:03:24.320
really I've never actually explored this legally. I know that there's a big thing.

810
01:03:24.360 --> 01:03:29.000
When it comes to investing. You
have a fiduciary responsibility to your client.

811
01:03:29.519 --> 01:03:34.719
Some people have what's called the best
interest responsibility. It's not quite as

812
01:03:34.800 --> 01:03:37.400
high as fiduciary, but you have
to look for their best interest. And

813
01:03:37.440 --> 01:03:42.840
then with mortgage people, there was
something called suitability. Do they enforce something

814
01:03:42.920 --> 01:03:45.679
like that and explain what that is? So what happened when licensing all changed

815
01:03:45.800 --> 01:03:51.000
several years ago after the mortgage meltdown. So we now have an obligation to

816
01:03:51.079 --> 01:03:53.880
make sure that we are putting somebody
in a mortgage that they can afford and

817
01:03:53.920 --> 01:03:58.000
they can pay. OK, we
got more coming right up. We'll talk

818
01:03:58.039 --> 01:04:05.079
about that and more. Hi,
Tom Martine, you are trumbleshooter three all

819
01:04:05.119 --> 01:04:10.639
three seven to one three talk three
old three eighth seven one three eight two

820
01:04:10.719 --> 01:04:15.760
five five. So on my Google
voice texting, which is private straight to

821
01:04:15.800 --> 01:04:19.559
me, you can also do five
seven seven three nine as well. That

822
01:04:19.599 --> 01:04:23.679
one is not. I mean,
that's what iHeart uses. And you put

823
01:04:23.719 --> 01:04:30.480
Tom there and it comes to me
like it says here, Tom Bs.

824
01:04:30.199 --> 01:04:34.679
Was that case you had of people
buying that car off of an old man

825
01:04:34.760 --> 01:04:40.840
for sixteen hundred? I hope you
got it sorted that out. You know,

826
01:04:41.039 --> 01:04:45.880
we're working on that that that's a
really bad situation. And I gotta

827
01:04:45.960 --> 01:04:50.360
tell you, man, it sucks
how that woman came in from this healthcare

828
01:04:50.400 --> 01:04:56.960
place and took advantage of that man. She he was selling it for sixteen

829
01:04:57.039 --> 01:05:00.559
grand. She called her dad.
Her dad came at sixteen hundred and counted

830
01:05:00.599 --> 01:05:05.400
it out to him and took the
car, had him sign it over,

831
01:05:06.079 --> 01:05:11.840
and then he called us and said
he was confused, but he clearly had

832
01:05:11.840 --> 01:05:17.719
it for sale for sixteen thousand or
something like that. But the bottom line

833
01:05:17.760 --> 01:05:24.199
was they just ripped him off.
They just ripped him off. There are

834
01:05:24.239 --> 01:05:29.159
so many cases we have like that
of old of elder abuse. Now my

835
01:05:29.320 --> 01:05:34.880
parents have a significant amount of gold
coins. I need to get them converted

836
01:05:34.880 --> 01:05:39.840
to spendable money without being ripped off. That's one of my texts. We're

837
01:05:39.840 --> 01:05:45.440
going to get someone on about that. Tom. Let's see we already talked

838
01:05:45.480 --> 01:05:50.039
about that one loan. Let's see
what else. I've been a longtime listener

839
01:05:50.079 --> 01:05:55.719
who recommend your show, Please recommend
a trusted source to talk over health insurance.

840
01:05:55.880 --> 01:05:58.119
We're going to talk about that coming
up too, because there are a

841
01:05:58.159 --> 01:06:00.599
lot of people asking about that now. Three o three seven one three eight

842
01:06:00.599 --> 01:06:04.079
two five five. Stick around for
any useful information you need. You can

843
01:06:04.119 --> 01:06:13.639
always call us as well. Three
oh three Martino, Yeah, ripped of

844
01:06:15.039 --> 01:06:21.000
mad news. You need advice so
you don't have the come running just as

845
01:06:21.119 --> 01:06:28.800
fast as we can show. Shooter's
gonna help come man, This is the

846
01:06:28.960 --> 01:06:34.079
Troubleshooter Show. No Tom Martino,
Hi, Tom Martino here, Welcome to

847
01:06:34.119 --> 01:06:38.920
the show. Three all three seven
one three talk seven one, three,

848
01:06:39.000 --> 01:06:44.760
eight, two five five Welcome,
How is life in your lane? What

849
01:06:44.800 --> 01:06:47.320
can we do to help you?
This hour brought to you by Waterpros dot

850
01:06:47.360 --> 01:06:49.679
net. As I said, the
best water and I got it right here

851
01:06:49.840 --> 01:06:54.639
if you're looking on YouTube. I
got the best water ever out of my

852
01:06:54.760 --> 01:07:00.400
kitchen sink with water Pros for just
fourteen hundred bucks fully installed three all three,

853
01:07:00.119 --> 01:07:03.440
eight six, two, five,
five five four. Now my guests,

854
01:07:03.440 --> 01:07:08.679
say Brent from the owner of Ideal
Home Loans. I've known for many,

855
01:07:08.679 --> 01:07:11.280
many years, and we were talking
loans, and we'll get back to

856
01:07:11.280 --> 01:07:13.519
that in a minute. I want
to take Michael though, and if you

857
01:07:13.599 --> 01:07:16.880
call people, give me calls.
I also have a bunch of questions on

858
01:07:17.000 --> 01:07:21.239
my Google Voice that I'm letting people
text me. It's not that I don't

859
01:07:21.360 --> 01:07:26.159
like the station's text. I mean
you can text me there and that's five

860
01:07:26.320 --> 01:07:29.159
seven, seven three nine put tom
in the in the code, or you

861
01:07:29.199 --> 01:07:31.440
can go to my Google Voice number, which comes directly to me all day.

862
01:07:31.960 --> 01:07:36.280
And the reason I say that is
truly I have no problem having access

863
01:07:36.320 --> 01:07:41.719
for people. Because people need help, they have questions, you can text

864
01:07:41.800 --> 01:07:44.159
me and I checked this throughout the
day and get you on the show if

865
01:07:44.199 --> 01:07:49.760
I need to. And the Google
voice number is seven four seven fifty two

866
01:07:49.800 --> 01:07:58.079
eighty seven four seven nine nine nine
fifty two eighty Okay. Now, by

867
01:07:58.119 --> 01:08:01.320
the way, I have a lot
of questions I want to get to there,

868
01:08:01.360 --> 01:08:04.599
but I need a couple of people
to answer these questions. I need

869
01:08:04.599 --> 01:08:12.800
Integer Insurance for one. I also
need Mark mcchowski at Budget A one and

870
01:08:12.920 --> 01:08:15.960
transmission repair and there's a reason for
that, so I want to get him

871
01:08:15.960 --> 01:08:21.119
on. Michael. What's going on
with you? Hello, Michael, Hi

872
01:08:21.199 --> 01:08:29.159
Tom? What's going on recently?
Well? I got a recent encounter with

873
01:08:29.800 --> 01:08:34.520
this Brink security company. What happened? Well, for years we've been using

874
01:08:34.640 --> 01:08:40.800
a DT and they've been all right, but we've got a phone call from

875
01:08:40.840 --> 01:08:45.960
someone. They I don't recall them
identifying themselves at the time as Brinks,

876
01:08:45.039 --> 01:08:48.680
but that's who they turned out to
be. And what did you use them

877
01:08:48.680 --> 01:08:55.560
for? What did you use them
for? It's a security some equipment and

878
01:08:55.680 --> 01:09:01.239
monitoring, Like give me the oh
oh ok for Brinks? So you recent

879
01:09:01.560 --> 01:09:06.720
so you got an alarm? Like
is it for home or business? It's

880
01:09:06.760 --> 01:09:13.920
for a home. So you got
a home security system from Brinks? Yeah?

881
01:09:14.000 --> 01:09:17.119
Okay, so what's the problem.
Well, we had some issues with

882
01:09:17.199 --> 01:09:23.640
it. It basically locked up if
the alarm would not turn off, so

883
01:09:23.720 --> 01:09:28.119
we had to disconnect the equipment.
And how long did it take to for

884
01:09:28.159 --> 01:09:31.680
a problem to show up? Oh? Probably? Well we got it in

885
01:09:31.720 --> 01:09:35.479
November, so that's what nine months
or so? Okay, Okay, so

886
01:09:35.520 --> 01:09:40.239
it's not a big deal. So
it malfunctioned and then what happened then,

887
01:09:41.439 --> 01:09:46.760
well we were waiting on to repair. They can't get somebody here to figure

888
01:09:46.760 --> 01:09:53.920
out what's wrong with it now until
July the night. Yeah, and I

889
01:09:53.960 --> 01:09:57.960
did contact them. They said they
they could probably give me some kind of

890
01:09:58.000 --> 01:10:01.079
credit once they get it repair because
I didn't have service at this point.

891
01:10:01.279 --> 01:10:09.840
Okay, However, all this has
decreased the confidence of my wife, particularly

892
01:10:09.960 --> 01:10:15.199
in the system, so she wants
to go back to ADP. Yeah,

893
01:10:16.600 --> 01:10:23.920
however, ad ADT is not great, but go ahead. Okay. Well

894
01:10:23.920 --> 01:10:26.800
we've been using them for years,
but I kind of agree with you.

895
01:10:27.399 --> 01:10:30.600
Okay, they keep raising prices and
set whatever. But anyway, I pulled

896
01:10:30.640 --> 01:10:36.600
the contract out and come to find
the help that we had signed a consumer

897
01:10:36.680 --> 01:10:45.399
note or twenty four hundred dollars to
this company called sun Nova. But let

898
01:10:45.399 --> 01:10:50.279
me ask you something. What's the
twenty four hundred for for the equipment?

899
01:10:50.479 --> 01:10:55.439
For the equipment and they're charging forty
dollars a month on the loan for five

900
01:10:55.560 --> 01:11:00.720
years. Okay, but hold on, hold on? What about the monitoring?

901
01:11:00.760 --> 01:11:05.359
What do you pay for that?
The monitoring is another forty five?

902
01:11:05.479 --> 01:11:10.479
I say, well, okay,
that's not terrible. So right now,

903
01:11:10.560 --> 01:11:15.720
though you're paying for the system itself, plus you're paying for the monitoring,

904
01:11:15.039 --> 01:11:19.880
what does the cancelation provision? Say? Well, that's a good question.

905
01:11:20.000 --> 01:11:24.159
Do you think that should be in
the contract somewhere? Of course it is,

906
01:11:24.960 --> 01:11:30.279
I guarantee it is. Okay,
so here's what I want to know.

907
01:11:30.960 --> 01:11:34.920
There's going to be a cancelation provision, but the equipment is may not

908
01:11:35.000 --> 01:11:40.720
be you. You see, it
depends on what equipment it is. If

909
01:11:40.760 --> 01:11:45.600
they use universal type equipment, then
anyone can take that over and be your

910
01:11:45.640 --> 01:11:49.600
monitoring service and your company. And
there's only one security company I really recommend

911
01:11:49.680 --> 01:11:57.159
in the Colorado area because the security
company suck. ADT absolutely sucks. I

912
01:11:57.159 --> 01:11:59.560
don't know about Brings, to be
honest with you, We've never had a

913
01:11:59.560 --> 01:12:02.680
lot of com pints about Brinks,
but home security systems. Most of these

914
01:12:02.760 --> 01:12:08.079
national companies suck. They're really not
said, it's not the kind of thing

915
01:12:08.119 --> 01:12:14.239
that should be done nationally. But
ADT absolutely sucks. Okay, they absolutely

916
01:12:14.319 --> 01:12:17.840
suck, and don't go back to
them now, Brinks, I'm not sure

917
01:12:17.840 --> 01:12:21.920
what's going on here, but I
wouldn't let one problem like this after nine

918
01:12:21.960 --> 01:12:26.960
months dissuade me from the entire company
for the rest of your lives. Okay,

919
01:12:27.079 --> 01:12:30.039
I think you're overreacting, but if
you want to get out of the

920
01:12:30.079 --> 01:12:32.920
contract, I'm for sure certain you're
gonna have to pay for the equipment,

921
01:12:33.039 --> 01:12:40.920
but I'm not sure what you committed
to monitoring. Yeah, well, what

922
01:12:41.000 --> 01:12:44.840
was your original inquiry about? Tell
me what were you wondering about. I'll

923
01:12:44.840 --> 01:12:47.800
answer to the best of my ability. Well, I guess as a worst

924
01:12:47.800 --> 01:12:51.600
case scenario. They I guess best
case would really be their shake to the

925
01:12:51.640 --> 01:12:57.960
equipment. But my wife still doesn't
like it for whatever reason, lack confidence

926
01:12:58.000 --> 01:13:00.840
in it. Well, lack of
confidence for what reason? You had a

927
01:13:00.920 --> 01:13:05.079
problem nine months later? Big freaking
deal. I mean, you know,

928
01:13:05.199 --> 01:13:09.039
it could be a power spike,
it could have nothing to do with them.

929
01:13:10.000 --> 01:13:14.640
I'm not trying to convince you to
keep them. I'm not trying to

930
01:13:14.640 --> 01:13:17.600
to. Yeah, all I'm saying
is this, if you really want to

931
01:13:17.600 --> 01:13:20.520
make that so you don't have any
problems like that. Again, get a

932
01:13:20.560 --> 01:13:25.000
power supply like you would for a
computer. That's really what you should have.

933
01:13:25.079 --> 01:13:28.439
With a battery back up, that's
what you should have. You won't

934
01:13:28.439 --> 01:13:30.800
have any more problems. In fact, have you tried rebooting the whole damn

935
01:13:30.840 --> 01:13:35.680
thing? Oh? Yeah, many
times, but it still comes right back

936
01:13:35.720 --> 01:13:42.039
to that alarm. When you when
you rebooted, did you disconnect the battery?

937
01:13:43.239 --> 01:13:46.880
Yeah? Okay, so you know
how to pull the wire off good,

938
01:13:47.239 --> 01:13:50.319
and then you turned it off,
and when you boot it back up,

939
01:13:50.319 --> 01:13:56.359
it gets another It has an error
code. It's not exactly an er

940
01:13:56.479 --> 01:13:59.840
code, but it brings the alarm
right back in and you know, brings

941
01:13:59.840 --> 01:14:03.960
the bell. Oh so you mean
it's going off like or going on like

942
01:14:04.039 --> 01:14:12.399
somebody is breaking in right right?
Okay, something something happened. But here's

943
01:14:12.439 --> 01:14:17.439
the thing, man, You're dictated
by a contract and one problem in nine

944
01:14:17.520 --> 01:14:21.920
months is not breach of contract.
So you're not going to get out of

945
01:14:21.960 --> 01:14:28.039
it unless you go by the termination
provisions of that contract. Okay, you're

946
01:14:28.079 --> 01:14:30.600
not going to make the argument that
they breach the contract, and you don't.

947
01:14:30.800 --> 01:14:34.199
I mean, well, actually I
should amend that if they take too

948
01:14:34.239 --> 01:14:38.399
long to fix this damn thing,
it will be a breach of contract.

949
01:14:39.079 --> 01:14:42.239
So you know, I don't you
know, I don't like the idea that

950
01:14:42.279 --> 01:14:45.000
it's taking them this long. Why
do they say it's going to take this

951
01:14:45.119 --> 01:14:50.880
long. Apparently it's an issue with
getting the dispatch out here, getting someone

952
01:14:50.920 --> 01:14:56.920
to hear here. Come, man, can't you know that kind of thing

953
01:14:56.960 --> 01:15:03.520
today? Do you want us to
give him a call for you? Well,

954
01:15:03.720 --> 01:15:05.800
if you would do that, I
know, it's kind of a minor

955
01:15:05.840 --> 01:15:10.399
issue. No, it's not other
things to handle. No, it's not.

956
01:15:10.479 --> 01:15:13.399
What neighborhood are you in? Give
me your exact I'm just kidding.

957
01:15:14.399 --> 01:15:15.960
I want to know where you're I
want to know where the alarm is broken.

958
01:15:16.479 --> 01:15:20.000
Anyway, I'm just kidding about that. But in general, what neighborhood

959
01:15:20.079 --> 01:15:27.760
is it? In general is a
local suburb to exact? You know what

960
01:15:27.800 --> 01:15:30.000
I mean is do you have a
lot of break ins in that area?

961
01:15:30.079 --> 01:15:34.720
Hmmm? I would say no.
Recently, we've had a lot of people

962
01:15:34.800 --> 01:15:40.119
knocking on the door selling roofs and
what have you said? Yeah, don't

963
01:15:40.119 --> 01:15:45.560
ever, Hey, don't buy a
roof at the door. Okay. The

964
01:15:45.600 --> 01:15:48.159
only thing you should buy at the
door of girl Scout cookies. Otherwise nothing,

965
01:15:48.880 --> 01:15:53.439
all right? Man? So hold
on, I want to give this

966
01:15:53.560 --> 01:15:58.560
who did we give the other one
to? Uh, let's see bo.

967
01:15:59.079 --> 01:16:02.920
Then let's give this a deputy dollars
there, right, hold on, Michael,

968
01:16:03.039 --> 01:16:06.199
and we'll have a deputy dollar.
Give a call over there, see

969
01:16:06.199 --> 01:16:09.960
what we can find out. Three
oh three seven to one three talks seven

970
01:16:10.039 --> 01:16:17.640
one three eight two five five.
Hi, Tom Martino, your troubleshooter three

971
01:16:17.640 --> 01:16:23.520
oh three seven one three talks seven
one three eight two five to five.

972
01:16:24.279 --> 01:16:29.199
By the way, let's get to
these phones. We have Anthony as a

973
01:16:29.279 --> 01:16:31.800
question on home security. We just
had a complain about brains. Now,

974
01:16:31.840 --> 01:16:34.800
we don't get a lot of complaints, but we do get complaints about home

975
01:16:34.840 --> 01:16:38.439
security in general. And I want
to give you some general tips on home

976
01:16:38.479 --> 01:16:43.239
security that are thinking are very important. But first I'm going to take your

977
01:16:43.319 --> 01:16:47.039
call and see what you want,
Anthony. Go ahead, Yeah, I

978
01:16:47.039 --> 01:16:50.840
want video security, but I don't
want to pay up a subscription. Do

979
01:16:50.920 --> 01:17:01.680
you have a a h troubleshooter?
Remember that does wiring camera install hard drive

980
01:17:01.920 --> 01:17:04.920
connected to the internet, the whole
kick cat and kaboodle. Yeah, so

981
01:17:04.960 --> 01:17:09.520
you want to do a closed circuit
TV system just for you that you can

982
01:17:09.600 --> 01:17:15.520
monitor online, and I don't want
to pay a monthly subscription. I get

983
01:17:15.520 --> 01:17:19.600
it, man, I get it. It's never really been easier to do.

984
01:17:20.039 --> 01:17:23.680
Now, do I have someone specific
in mind? No, not right

985
01:17:23.760 --> 01:17:27.800
this second. But it shouldn't be
difficult because what you're looking for is very

986
01:17:27.800 --> 01:17:30.479
easy. It's a low vultage.
In fact, what you really want to

987
01:17:30.520 --> 01:17:33.079
do? Okay, Anthony, what
it really amounts to? You don't need

988
01:17:33.079 --> 01:17:38.680
a server? Okay you don't.
Oh, hold on, yes you do

989
01:17:38.760 --> 01:17:42.279
if you don't want to pay monthly. But let me explain something. If

990
01:17:42.319 --> 01:17:46.880
you did some well placed rings or
r lows and they all fed to them,

991
01:17:47.399 --> 01:17:53.439
you can for one subscription price of
just like it's not much, you

992
01:17:53.479 --> 01:17:58.479
can monitor all of them from anywhere
at any time. But that to you,

993
01:17:58.479 --> 01:18:03.880
you'd rather buy a serve than do
that? Pretty much? Yeah,

994
01:18:03.960 --> 01:18:09.680
why is that? I'm just curious
the subscription right now? Go ahead,

995
01:18:10.800 --> 01:18:15.760
I avoid I read an article recently
that subscriptions are the best way to spend

996
01:18:15.760 --> 01:18:21.800
yourself into you know nothing, nus. I just try to avoid. Well,

997
01:18:21.840 --> 01:18:26.359
I know what you mean. Everybody
has a subscription. You're absolutely right.

998
01:18:26.439 --> 01:18:30.520
There are people paying. They don't. They forgot they're paying. Yeah,

999
01:18:30.600 --> 01:18:33.800
and they add up. I mean
they do. And I respect you

1000
01:18:33.920 --> 01:18:38.600
for that, bro, I do. However, you don't sound like the

1001
01:18:38.600 --> 01:18:42.119
type that's going to let that happen. Okay, let's talk about money.

1002
01:18:42.439 --> 01:18:45.079
If you get a server, your
server's got to be on your Wi Fi,

1003
01:18:45.279 --> 01:18:48.079
and then you have to be able
to get into that server. How

1004
01:18:48.119 --> 01:18:54.920
do you plan on doing that?
Well, that's why I'm calling. Okay.

1005
01:18:54.960 --> 01:18:58.000
Well, what I'm saying to you
is this, You're going to have

1006
01:18:58.079 --> 01:19:01.159
to maintain that serve. Do you
have broadband at your house? Yes?

1007
01:19:01.319 --> 01:19:06.600
Okay, so you're paying for your
broadband. Here's the danger of having an

1008
01:19:06.600 --> 01:19:12.359
IP that you tap into on your
server at home. It can be hacked.

1009
01:19:13.760 --> 01:19:19.039
It's a very terrible situation. There
is almost no home security that you

1010
01:19:19.159 --> 01:19:26.600
can do that can ward off attacks
unless you buy security software, which is

1011
01:19:26.640 --> 01:19:30.600
going to be a subscription. I
hate to give you bad news, but

1012
01:19:30.720 --> 01:19:34.439
Anthony, it sounds good and it
is good. You know, Mark and

1013
01:19:34.479 --> 01:19:38.439
I used to do this. We
used to have our own servers and our

1014
01:19:38.479 --> 01:19:43.119
own stuff that we would tap into. Okay, and he had his,

1015
01:19:43.239 --> 01:19:46.640
I had mine. And here's the
deal. It sounds good, right,

1016
01:19:46.880 --> 01:19:54.399
But you're constantly on the internet,
and nowadays there are about one hundred thousand

1017
01:19:54.640 --> 01:19:58.760
more attacks being done than there were
when we had it. And you have

1018
01:19:58.800 --> 01:20:02.800
to have such sophicial sticated software and
it has to be upgraded so much.

1019
01:20:03.119 --> 01:20:06.439
You're not going to buy this.
You're not going to get this software free.

1020
01:20:06.680 --> 01:20:12.159
So even though you have broadband right
now, and you may have a

1021
01:20:12.359 --> 01:20:18.000
server that you put online constantly,
you are going to be subject to attacks.

1022
01:20:18.319 --> 01:20:23.760
You see, my computers don't stay
online. My computers go online when

1023
01:20:23.760 --> 01:20:27.800
I get on my computer and go
online. Otherwise they're not online. I

1024
01:20:27.920 --> 01:20:31.600
have nothing that is online all the
time except my ring doorbell, which is

1025
01:20:31.600 --> 01:20:36.720
through Ring and these guys they make
it, you know, they pay for

1026
01:20:36.800 --> 01:20:41.159
all of that. I pay and
allows me nine bucks a month or whatever

1027
01:20:41.239 --> 01:20:45.039
the hell I pay, and I'm
done. Now. If you had one

1028
01:20:45.159 --> 01:20:47.640
ring or six rings, you're only
going to pay the one subscription fee and

1029
01:20:47.680 --> 01:20:53.239
then you get to tap into whichever
camera you want to look at. I

1030
01:20:53.479 --> 01:20:57.399
just it's not that I don't know
people are we can't find people to do

1031
01:20:57.479 --> 01:21:00.000
it, but I don't think you're
going to get what you're looking for.

1032
01:21:00.880 --> 01:21:05.000
And there's nothing wrong with a subscription
if it is of value, and you

1033
01:21:05.079 --> 01:21:10.560
don't just keep having them pile on
top of each other. You are correct,

1034
01:21:11.239 --> 01:21:15.920
people don't keep track of their subscriptions, and you're right they it is

1035
01:21:15.039 --> 01:21:18.800
terrible. I'll bet you people are
paying so much they don't even know about,

1036
01:21:18.840 --> 01:21:23.560
but you're not. So just have
a I have a sheet, a

1037
01:21:23.600 --> 01:21:28.600
Google sheet that I keep on my
Google Drive of everything that I'm paying for

1038
01:21:28.880 --> 01:21:32.560
monthly and what subscriptions I need or
don't need. But that's what you need

1039
01:21:32.600 --> 01:21:38.920
to do, and truly you will. You will not find a better system

1040
01:21:39.199 --> 01:21:43.880
than these on That's what they're made
for. And they're not being hacked into.

1041
01:21:44.199 --> 01:21:46.920
Okay they're not not. If you
go through the official companies, they

1042
01:21:46.960 --> 01:21:51.840
spend hundreds of thousands of dollars for
Internet security. Now I know there are

1043
01:21:51.840 --> 01:21:55.600
people saying, well, how do
you know the people right there aren't doing

1044
01:21:55.640 --> 01:21:59.000
it? You know, first of
all, they have millions of subscribers,

1045
01:21:59.199 --> 01:22:03.159
and I doubt they would bother doing
that. But what I recommend is you

1046
01:22:03.239 --> 01:22:09.039
find a good closed circuit. Excuse
me, a good Wi Fi cam that

1047
01:22:09.159 --> 01:22:14.520
you can put into your a good
Wi Fi cam that you can put into

1048
01:22:14.520 --> 01:22:18.119
your Wi Fi at home. Now, there are ways, by the way

1049
01:22:18.239 --> 01:22:23.600
to have Like rlow doesn't have any
subscriptions, you can make those into your

1050
01:22:23.640 --> 01:22:27.600
home and then tap into it.
But it's insecure once you do that.

1051
01:22:28.039 --> 01:22:31.720
If you go through a subscription service, they take care of all the security.

1052
01:22:31.960 --> 01:22:36.479
That's the only thing I'm saying,
how do you sell rlow A r

1053
01:22:36.960 --> 01:22:41.720
l O rlow? Now? There
are many more systems out there, but

1054
01:22:42.159 --> 01:22:45.760
Arlow's good and ring is good.
They're proven. But there are others,

1055
01:22:46.279 --> 01:22:51.119
and in fact, I believe Google
might have its own system. All of

1056
01:22:51.159 --> 01:22:58.039
these places have systems. What you
really want to worry about more than the

1057
01:22:58.119 --> 01:23:01.840
system is the interface. That's really
what you don't want is your own server.

1058
01:23:03.079 --> 01:23:06.359
I mean, right, I understand
it's just too much to keep up

1059
01:23:06.439 --> 01:23:13.399
my home to my home computer.
You want to hook it to your home

1060
01:23:13.439 --> 01:23:16.039
computer. No, no, you're
saying, do not use That's right.

1061
01:23:16.840 --> 01:23:20.960
You do not want your home computer
or even a server on the internet.

1062
01:23:21.000 --> 01:23:27.079
All the time, someone will get
into it. They will get into it.

1063
01:23:27.399 --> 01:23:30.560
And I'm telling you for the money
it takes for you to make your

1064
01:23:30.560 --> 01:23:38.720
home secure. It's easier that you
it's easier that you get a subscription and

1065
01:23:38.840 --> 01:23:42.680
cheaper because you have to keep up
on that all the time to keep it

1066
01:23:42.760 --> 01:23:46.640
secure. Being online twenty four to
seven nowadays is the most insecure thing you

1067
01:23:46.680 --> 01:23:51.159
can do. And the only thing
that we have that's on the air all

1068
01:23:51.199 --> 01:23:56.479
the time for most of us,
I hope, is our phone most of

1069
01:23:56.520 --> 01:24:00.319
the time. Our computers. We
go offline when we get offline and stay

1070
01:24:00.359 --> 01:24:02.880
off line. Now, you might
be at your home WiFi, but you're

1071
01:24:02.920 --> 01:24:10.800
not to the outside world. So
in any case, I'm sure there are

1072
01:24:10.840 --> 01:24:14.560
people that are going to have suggestions. My YouTube morons probably will, and

1073
01:24:14.600 --> 01:24:17.399
also other people. I'll pass them
on to you because people are now texting

1074
01:24:17.479 --> 01:24:23.399
me. But it's really important,
as I said, And by the way,

1075
01:24:26.000 --> 01:24:29.880
that is a pretty cool I log
into my cameras all the time and

1076
01:24:29.920 --> 01:24:33.760
it's they're really good systems. I
have both r Low and Ring at different

1077
01:24:33.800 --> 01:24:38.239
houses, so it's it's worth having
three h three. Oh, by the

1078
01:24:38.239 --> 01:24:40.840
way, Wayne's got a comment,
Wayne, quickly, what do you want

1079
01:24:40.880 --> 01:24:44.319
to say to Anthony? He's listening. What do you got Wayne? Hey?

1080
01:24:44.359 --> 01:24:45.039
Tom? How are you doing?
How are you doing, Anthony good

1081
01:24:45.039 --> 01:24:49.920
Man, what's happening? Hey?
Quick comment. I've been installing cameras for

1082
01:24:49.960 --> 01:24:54.399
about forty years. And the big
thing on cameras right now, especially in

1083
01:24:54.439 --> 01:24:58.560
residential properties, he is number one
is like you said, definitely do a

1084
01:24:58.560 --> 01:25:04.239
closed loop system. But also UH
cameras like Lorex and r Low and everybody

1085
01:25:04.279 --> 01:25:09.079
else that you can buy off the
shelf. Make sure that they are n

1086
01:25:09.159 --> 01:25:15.960
DA or THAA approved. That prevents
some hacking software that some companies are putting

1087
01:25:15.960 --> 01:25:18.840
in. UH China's putting in and
stuff like that. But we do them

1088
01:25:18.840 --> 01:25:23.359
for the government and the military,
and I do a lot for residentials.

1089
01:25:23.399 --> 01:25:27.279
And it's really important that way because
if we put we put in an MVR

1090
01:25:28.000 --> 01:25:32.159
instead of uh uh. It's a
network video recorder. And I just got

1091
01:25:32.159 --> 01:25:34.800
back from Tokyo and I live in
a ror and I was able to log

1092
01:25:34.840 --> 01:25:38.319
into my cameras and sit there and
view them and I don't have Okay,

1093
01:25:38.319 --> 01:25:42.359
hold on, Wayne, So you're
saying that without a subscription, you're doing

1094
01:25:42.399 --> 01:25:45.720
this from your home, right Yeah? Absolutely, Okay, So tell him

1095
01:25:45.760 --> 01:25:51.399
what you have. Basically, it's
an MVR with a network card in it

1096
01:25:53.079 --> 01:25:58.079
that is all password protected. You
plug it into your router, uh,

1097
01:25:58.199 --> 01:26:01.079
whatever your vendor is, you know, whether Comcast entering only Curtingman house.

1098
01:26:01.680 --> 01:26:06.680
And then when you log into it, you are actually logging in with your

1099
01:26:06.840 --> 01:26:12.479
past word and past code or administrative
word and pass code and connecting to it.

1100
01:26:12.760 --> 01:26:15.600
And then when you log out,
it takes it off of the network.

1101
01:26:15.680 --> 01:26:19.159
And it's pretty oh really, holy
crap. That's a good Wayne.

1102
01:26:19.399 --> 01:26:24.119
Do you mind giving now? Do
you have your own company? Yes?

1103
01:26:24.960 --> 01:26:28.760
Do you mind giving it out now? Be ready for calls? Yeah?

1104
01:26:28.800 --> 01:26:34.239
Absolutely. It is Elite security and
they can reach me at seven to two

1105
01:26:34.359 --> 01:26:42.199
zero three two five zero four eight
two. Yeah. And I always tell

1106
01:26:42.239 --> 01:26:48.359
people go ahead shirt people you know
we I'm sorry, no either one of

1107
01:26:48.399 --> 01:26:51.920
you were saying something. I'll give
the number again. Okay. And by

1108
01:26:51.920 --> 01:26:55.279
the way, Wayne, you ought
to talk to us about the referral list.

1109
01:26:55.319 --> 01:26:59.279
I'm serious. We look for good
people all the time. And yeah,

1110
01:27:00.119 --> 01:27:04.000
and I'm serious man, Yeah about
Burger alarm systems too, because those

1111
01:27:04.000 --> 01:27:08.760
have all changed. But yeah,
I mean the big thing we don't We're

1112
01:27:08.800 --> 01:27:13.039
not a cheap and I don't want
to say cheap, I want to say

1113
01:27:13.039 --> 01:27:16.600
inexpensive vendor. Our systems have a
ten year warranty on them. They're all

1114
01:27:16.600 --> 01:27:20.479
low light cameras our Burger systems.
Wayne, as long as you do a

1115
01:27:20.520 --> 01:27:25.920
good, honest service, cheap is
not a requirement of mine. Okay.

1116
01:27:26.560 --> 01:27:31.920
Honesty and honesty and integrity and good
quality. Now, people who charge money

1117
01:27:32.079 --> 01:27:35.640
just because they're proud of themselves,
that that crap. I don't want.

1118
01:27:35.960 --> 01:27:39.680
You know, there are people that
that, you know what I'm saying,

1119
01:27:40.119 --> 01:27:44.199
They just charge out the nose.
If you have good quality equipment and you

1120
01:27:44.279 --> 01:27:47.439
work on reasonable margins and integrity,
that's what counts. I'll give you that

1121
01:27:47.520 --> 01:27:53.000
number, Anthony. You ready for
it? Yes, Now, I want

1122
01:27:53.000 --> 01:27:56.159
everyone to know. I don't know
Wayne, but he called in. He

1123
01:27:56.239 --> 01:27:59.640
sounds pretty good. It's Elite Security. I gave you the disclaimer. I

1124
01:27:59.640 --> 01:28:02.279
don't know, but he sounds like
he knows what he's talking about. Elite

1125
01:28:02.359 --> 01:28:11.800
Security seven to zero three two five
zero four eight two. What I might

1126
01:28:11.880 --> 01:28:15.239
do is have Mark call you though. Wayne. I'm serious. We can

1127
01:28:15.319 --> 01:28:17.039
use good people and I'm not trying
to do a sales job on you.

1128
01:28:17.199 --> 01:28:23.039
It. It's the best value there
is in advertising anywhere. It's very it's

1129
01:28:23.159 --> 01:28:26.439
very inexpensive, Anthony. Thanks for
calling, Wayne, Thanks for calling I

1130
01:28:26.439 --> 01:28:29.439
got to take this break, and
then Joe's got a comment on home security

1131
01:28:29.479 --> 01:28:39.960
coming up. Hi Tom Martino here
three three seven one three talks seven one

1132
01:28:40.000 --> 01:28:45.439
three eight two five five. So
Brent Ivenson Ideal Home Loans is going to

1133
01:28:45.520 --> 01:28:47.119
skid out on in a minute here, And I wanted to mention you you

1134
01:28:47.159 --> 01:28:50.399
have a special affiliate program. You
wanted to let him know about it.

1135
01:28:50.479 --> 01:28:53.920
They call you, tell me about
that. Yeah. So what we've got

1136
01:28:53.960 --> 01:28:57.399
is we have a preferred network of
agents that we've worked with and accumulated over

1137
01:28:57.399 --> 01:29:00.319
the years. Being in the mortgage
side, they're in real estate side,

1138
01:29:00.319 --> 01:29:04.680
and what they're willing to do is
help out with lowering fees. Either when

1139
01:29:04.680 --> 01:29:09.119
you're selling your home and buying another, they'll reduce their listing fee on the

1140
01:29:09.119 --> 01:29:12.520
home that you're selling to get you
more cash out of that property to take

1141
01:29:12.560 --> 01:29:15.560
onto the next property. To buy
down the rate. Yeah, you can

1142
01:29:15.600 --> 01:29:17.479
buy down the rate. You can
use it towards closing costs or on the

1143
01:29:17.520 --> 01:29:21.039
buying side. If you're some let's
say you're a first time buyer, they're

1144
01:29:21.079 --> 01:29:26.079
willing to work with you and contribute
part of their commission towards buying down your

1145
01:29:26.119 --> 01:29:29.560
interest rate. On the buying side
of things, so that you can qualify

1146
01:29:29.640 --> 01:29:32.720
for more home for a lower monthly
payment and increase that buying power in the

1147
01:29:32.720 --> 01:29:38.079
marketplace. Ideal Home Loans dot Com
threeh three eight six seven seven thousand now

1148
01:29:38.199 --> 01:29:41.399
prent real quick. When you say
buy down a rate, can you give

1149
01:29:41.439 --> 01:29:44.560
me an example, like, what's
the what is the rate today? Today?

1150
01:29:44.600 --> 01:29:46.239
We're at seven and eighth on a
thirty year fixed rate. So seven

1151
01:29:46.239 --> 01:29:49.520
and an eighth on a thirty year
fixed rate. So what does it take

1152
01:29:49.560 --> 01:29:53.199
to buy that down? How much
would it if you if you wanted to

1153
01:29:53.199 --> 01:29:55.840
buy it down, Let's say a
quarter of a percenter, and this is

1154
01:29:55.840 --> 01:29:59.079
a permanent buydown, not a two
to one buy down, it would be

1155
01:29:59.199 --> 01:30:01.600
it would be a total of a
point would get you another quarter better in

1156
01:30:01.720 --> 01:30:06.840
interest rate. So if your house
is whatever, it's one percent of that.

1157
01:30:08.279 --> 01:30:10.840
Yeah. So whatever you're buying,
whatever the loan, whatever the loan

1158
01:30:10.920 --> 01:30:13.399
is, that's right. So yeah. So let's say you're borrowing five hundred

1159
01:30:13.399 --> 01:30:15.840
thousand dollars and you want to look
at hey, six point eight seven five

1160
01:30:15.840 --> 01:30:19.800
percent makes a material difference for me. Then you could put a point towards

1161
01:30:19.800 --> 01:30:23.600
that, which would be five thousand
dollars to buy that down to six point

1162
01:30:23.600 --> 01:30:27.000
eight seventy five percent. And you
may think, well, I'd rather make

1163
01:30:27.039 --> 01:30:29.920
it monthly. But here's the thing. It helps you qualify. That's the

1164
01:30:30.319 --> 01:30:32.840
point. Yeah, absolutely allows you
to qualify for more for less. Makes

1165
01:30:32.840 --> 01:30:36.119
you a little more competitive out there. Again, we're also doing two one

1166
01:30:36.119 --> 01:30:39.560
buydowns right now as well, and
we're looking at that as well for our

1167
01:30:39.560 --> 01:30:43.159
clients because what ends up happening.
Let's say that you don't stay in that

1168
01:30:43.199 --> 01:30:46.199
buydown for the full term of the
buydown, Well, when you refinance out

1169
01:30:46.199 --> 01:30:49.399
of that buydown, think of it
as that money goes into an ESCRO account

1170
01:30:49.399 --> 01:30:53.319
of sorts. Yeah, that's buying
that rate down and subsidizing it for you

1171
01:30:53.439 --> 01:30:56.039
every month. Let's say you don't
use the full two years of it.

1172
01:30:56.079 --> 01:31:00.279
When you refinance and pay that loan
off, the remainder of that buydown fund,

1173
01:31:00.399 --> 01:31:02.960
we'll go towards reducing the principal payoff
when you're refinanced. So now,

1174
01:31:03.000 --> 01:31:06.720
on a buydown, is the buydown
temporary or as long as you stay in

1175
01:31:06.720 --> 01:31:10.279
your house? It depends? It
depends. There's both options. Some of

1176
01:31:10.319 --> 01:31:13.159
them are temporary, like a two
to one buy down, is temporary in

1177
01:31:13.199 --> 01:31:15.239
a permanent buydown, which we can
look at too, is for the entire

1178
01:31:15.279 --> 01:31:19.560
life of your loan. Okay.
And by the way, I think rates

1179
01:31:19.560 --> 01:31:21.840
will be coming down anyway, you
won't have to worry about it. But

1180
01:31:23.960 --> 01:31:29.960
they do what's called a an interest
rate guarantee anyway, So that's really something

1181
01:31:30.000 --> 01:31:32.600
you want to keep in mind.
Thank you, Brent, appreciate it,

1182
01:31:32.640 --> 01:31:38.800
you bet. Okay, Now we
have some comments. I have Mark mcchosky,

1183
01:31:38.840 --> 01:31:41.239
I want to take in a minute
here, but I got to take

1184
01:31:41.279 --> 01:31:44.880
this guy. Was Joe's been waiting
on a home security Go ahead, Joe.

1185
01:31:45.640 --> 01:31:49.479
Yeah. Tom. There's a company
I went to and installed it myself,

1186
01:31:49.600 --> 01:31:55.600
and it's a pretty unique system.
It's a plug and play in VR

1187
01:31:56.119 --> 01:32:01.119
and they have their own security and
what have you. It's called CTV Security

1188
01:32:01.159 --> 01:32:08.760
Pros. And where'd you find it. I found them on doing some research

1189
01:32:08.800 --> 01:32:13.239
about four or five years ago.
They're out of New Jersey and these guys

1190
01:32:13.239 --> 01:32:19.319
are ex retired military security and there's
no there's no monthly subscription, that is

1191
01:32:19.439 --> 01:32:24.439
correct. They do their own security
updates. You buy the whole system in

1192
01:32:24.560 --> 01:32:28.960
VR and the cameras and they do
everything else. You can hook it up

1193
01:32:29.000 --> 01:32:32.720
to your phone. It's pretty neat. I can check my cameras anytime of

1194
01:32:32.760 --> 01:32:39.119
the day or night. They're very
good four K and up to eight megapixels.

1195
01:32:39.159 --> 01:32:42.760
You can get zoom, you can
get them to read license plates and

1196
01:32:43.359 --> 01:32:45.359
one time. If you buy it, you're done. You don't pay any

1197
01:32:45.399 --> 01:32:48.800
more fees to participate and they do
their up. Do you recall what a

1198
01:32:48.920 --> 01:32:54.600
costume? Do you recall what a
cost Yeah it did? It cost me

1199
01:32:54.640 --> 01:33:00.239
over two thousand and well three cameras
in an MVR give the name against her

1200
01:33:01.520 --> 01:33:08.880
dc TV, but they're called security
pros and I do have their phone number.

1201
01:33:09.359 --> 01:33:15.239
Go ahead eight eight eight six five
three two two eight eight and they'll

1202
01:33:15.239 --> 01:33:19.279
help you set it up. These
are a pretty complex system like UPS seventy

1203
01:33:19.279 --> 01:33:24.439
eleven. There's a lot of government
agencies that use the same thing, but

1204
01:33:24.520 --> 01:33:28.880
it's a plug and play unit and
they're very high tech. Uh, they

1205
01:33:28.920 --> 01:33:31.800
can't be hacked into or they can
jam. Some of these ones that you

1206
01:33:31.880 --> 01:33:34.920
go airless with. They can.
If they're going to rob an area,

1207
01:33:35.000 --> 01:33:39.319
they'll go through the neighborhood, jam
everything else, steal it leaves and then

1208
01:33:39.439 --> 01:33:43.239
your cameras will come back on.
Well, these are all hardwired and plug

1209
01:33:43.279 --> 01:33:45.000
and play. They don't do that. All right, thank you, Joe.

1210
01:33:45.079 --> 01:33:47.560
I got to take this break.
I'm Tom Martino more coming up.

1211
01:33:56.479 --> 01:33:59.760
Hi, Tom Martino here three zero
three seven to one to three talk seven

1212
01:33:59.800 --> 01:34:04.119
one three A two five five.
Don't forget ideal home loans dot com.

1213
01:34:04.399 --> 01:34:08.359
And how long does it take to
close, Brenton? We can get in

1214
01:34:08.399 --> 01:34:11.560
your loan clothing as little as two
weeks. And what's written in the guarantee.

1215
01:34:11.720 --> 01:34:14.680
So the way our interest rate guarantee
works is that or you're talking about

1216
01:34:14.680 --> 01:34:18.039
closing guarantee anything either. So our
closing guarantee, we will underwrite, preapprove

1217
01:34:18.079 --> 01:34:21.279
your loan upfront, will guarantee that
we close in two weeks. Jeez,

1218
01:34:21.439 --> 01:34:24.520
can't beat that. Yeah, it
helps when you're out making an offer on

1219
01:34:24.560 --> 01:34:27.960
a competitive environment. And then our
interest rate guarantee. If rates go down,

1220
01:34:28.159 --> 01:34:30.760
we'll refinance your loan to lower interest
rate with no lender fees. Yeah,

1221
01:34:30.760 --> 01:34:33.279
and that's a two year guarantee.
That's a long time. Three oh

1222
01:34:33.359 --> 01:34:35.560
three, eight six, seven,
seven thousand. By the way, Mark

1223
01:34:35.640 --> 01:34:39.279
mcchowski, Hey, Mark, I
haven't talked to you in a long time.

1224
01:34:39.319 --> 01:34:43.279
Brother. Hi, Hey, hello, Tom, how are you Are

1225
01:34:43.319 --> 01:34:45.399
you doing good where I'm at?
Do you know where I'm at? Where

1226
01:34:45.840 --> 01:34:50.880
my son was granted a scholarship to
GIA out here in California. Yeah,

1227
01:34:50.920 --> 01:34:56.520
and they had granted me a full
tour of this place. So I've been

1228
01:34:56.520 --> 01:34:59.279
holding on the radio because my son
is ang. Sorry, man eat his

1229
01:34:59.359 --> 01:35:02.600
whole tour. I'm so so yes
doing budget a one transmission auto repair.

1230
01:35:02.680 --> 01:35:05.920
But you also do gold and silver
right? And coins? I am a

1231
01:35:05.960 --> 01:35:11.840
professional new mismatist, Tom. I'm
also a professional coin and currency grater.

1232
01:35:12.399 --> 01:35:16.560
Okay, bullion everything, But can
you help people sell it? Sure?

1233
01:35:17.039 --> 01:35:23.159
Okay? Because I just got a
text and it's from someone who says their

1234
01:35:23.239 --> 01:35:29.560
parents have a lot of they have
a lot of gold coins or yeah,

1235
01:35:29.640 --> 01:35:32.640
I think they or they said coins
and they want someone honest, and I

1236
01:35:33.239 --> 01:35:36.560
didn't know if you were still doing
it, so I will give them your

1237
01:35:36.720 --> 01:35:42.000
information. Thank you, okay.
And I've been doing it for thirty five

1238
01:35:42.079 --> 01:35:45.439
years okay, And you know,
I really do appreciate you taking care of

1239
01:35:45.479 --> 01:35:50.680
people. So I want you to
remember when they call, he will be

1240
01:35:50.840 --> 01:35:56.319
calling you about his parents. And
I guess a lot of people have coin

1241
01:35:56.399 --> 01:36:00.960
collections as they get older, And
is it hard to get them converted.

1242
01:36:01.399 --> 01:36:04.079
No, not at all. You
know, there's two different ways we can

1243
01:36:04.079 --> 01:36:09.920
do that. I can either purchase
them outright or and if these are coins

1244
01:36:09.960 --> 01:36:14.840
that have a high numismatic value,
you know, sometimes and I've done many

1245
01:36:14.840 --> 01:36:17.159
of these through the years, has
done it on a consignment where the coupcain

1246
01:36:17.199 --> 01:36:20.359
gets more money, you know,
Thank you, Mark, I appreciate it,

1247
01:36:20.399 --> 01:36:23.720
by the way, Thank you very
much. And you can always reach

1248
01:36:23.800 --> 01:36:27.920
him in his place out it's the
three oh three seven eight to one ninety

1249
01:36:27.960 --> 01:36:30.199
eight fifty eight. Three oh three
seven eight one ninety eight fifty eight.

1250
01:36:30.680 --> 01:36:34.199
And don't forget Ideal Home Loans dot
Com three oh three eight six seven seven

1251
01:36:34.239 --> 01:36:42.159
thousand. Usha, what's going on
with your parking lot? Usha? You

1252
01:36:42.199 --> 01:36:45.680
had a car accident. No,
it's a very small thing, but I

1253
01:36:45.720 --> 01:36:49.039
want to know the principle of what
happens with your health. I turned into

1254
01:36:49.119 --> 01:36:53.239
my parking lot, which I normally
do spark in the same place as a

1255
01:36:53.319 --> 01:36:57.239
rule, because it takes a new
turn. The doctor who was standing right

1256
01:36:57.279 --> 01:37:00.359
there was waving at me saying hello. At the same time I was parking

1257
01:37:00.359 --> 01:37:04.920
maybe one mile an hour. That's
slow. She could have stopped my car

1258
01:37:05.119 --> 01:37:09.760
touched my car, or said anything, but nothing happened. I scratched a

1259
01:37:09.760 --> 01:37:13.159
little rubber off the car, just
a little rubber. Yes, but my

1260
01:37:13.800 --> 01:37:16.359
steak farm says, oh, you
hit a push But I said, I

1261
01:37:16.359 --> 01:37:20.640
didn't hit the Porsche. The owner
was standing right there. She didn't stop

1262
01:37:20.680 --> 01:37:24.640
me. Well, are they trying
to get a lot of money from you?

1263
01:37:25.039 --> 01:37:28.399
Yes, they're trying to get I
sent you the email right now,

1264
01:37:28.439 --> 01:37:30.239
he says. It's close to four
thousand because they want to open up the

1265
01:37:30.279 --> 01:37:34.479
whole thing to see how badly.
I want to see the email and we'll

1266
01:37:34.479 --> 01:37:38.399
call you right back, or you
can hang on now I know. Is

1267
01:37:38.479 --> 01:37:44.199
this doctor Usha Warma? Yes?
I know, but I didn't want to

1268
01:37:44.199 --> 01:37:46.359
give your last name unless you wanted
to. But doctor, I've known you

1269
01:37:46.439 --> 01:37:49.159
for years. Hold on, we'll
look at this. Uh, we'll look

1270
01:37:49.199 --> 01:37:53.520
at the email and we'll either call
you back or you can hold Thank you

1271
01:37:53.600 --> 01:37:56.760
very much. I'm Tom Martinez.
We have more coming up on the Troubleshooter

1272
01:37:56.840 --> 01:38:00.279
Show. Three O three seven one
three talks seven to one three eight,

1273
01:38:00.319 --> 01:38:03.520
two five five. Don't forget.
You can call three oh three Martino anytime,

1274
01:38:03.640 --> 01:38:05.840
day or night. If you're on
the line. Hang on, We'll

1275
01:38:05.880 --> 01:38:18.239
be right back. Yeah, ripped
up bad news. You need advice,

1276
01:38:18.279 --> 01:38:25.800
so you don't have come running.
Just as fast as we can. Show

1277
01:38:26.000 --> 01:38:32.159
Shooter's gonna help come man, This
is the Troubleshooter Show. Now, Tom

1278
01:38:32.199 --> 01:38:38.000
Martino, Hi, Tom Martino here, Welcome to the show. Three O

1279
01:38:38.159 --> 01:38:44.000
three seven one three talk three oh
three seven one three eight two five five.

1280
01:38:44.720 --> 01:38:47.840
Well, we are here to help
you, and all you have to

1281
01:38:47.840 --> 01:38:53.520
do is call us at three oh
three seven one three talk three oh three

1282
01:38:53.720 --> 01:38:59.000
seven one three eight two five five. Welcome to the show. Now.

1283
01:39:00.199 --> 01:39:02.399
Life is complicated, folks, and
things happen each and every day, so

1284
01:39:02.439 --> 01:39:05.439
I want to get right to you. One of the problems we have.

1285
01:39:08.720 --> 01:39:13.199
Usha called and had a parking lot
incident, and I feel for her,

1286
01:39:14.039 --> 01:39:15.359
She says, My god, Tom, I was going one mile an hour.

1287
01:39:15.399 --> 01:39:20.439
I pull into a parking lot.
I had a Porsche Cayenne or shot

1288
01:39:20.600 --> 01:39:25.800
Yeah, that's what I think they're
called. And it's an SUV. And

1289
01:39:26.279 --> 01:39:32.840
I looked at the repair estimate and
Usha first and foremost, I want to

1290
01:39:32.840 --> 01:39:40.680
tell you something. I had a
tiny scratch on my BMW, A tiny,

1291
01:39:40.800 --> 01:39:47.199
tiny, tiny scratch. Someone scuffed
me and left, so Unfortunately,

1292
01:39:47.279 --> 01:39:50.520
I had to do it myself,
and I thought, I'm not going to

1293
01:39:50.560 --> 01:39:54.359
put it through insurance, I'll just
direct pay. And I went to a

1294
01:39:54.359 --> 01:39:59.960
body shop and it was three thousand
dollars and I thought it was going to

1295
01:39:59.960 --> 01:40:05.720
be be five or six hundred dollars
and this is not. I just want

1296
01:40:05.800 --> 01:40:11.039
you to know something, Usha.
I'm not giving you my opinion right now.

1297
01:40:12.159 --> 01:40:17.479
I'm telling you what's going on in
the world of body shops. You

1298
01:40:17.520 --> 01:40:24.560
are going to pay every bit of
four thousand dollars for that Porsche Cayenne damage.

1299
01:40:25.159 --> 01:40:29.399
I know it does. She was
there though she distracted me. You

1300
01:40:29.439 --> 01:40:31.399
know, the fact remains. Okay. Now if you're saying, if you're

1301
01:40:31.439 --> 01:40:34.800
saying you're not at fault, that's
a whole different ballgame. Now, I

1302
01:40:34.920 --> 01:40:39.840
understand see that she was standing there. She didn't stop me, and I

1303
01:40:39.840 --> 01:40:43.000
have poked in that space a thousand
times. Now, when you did part

1304
01:40:43.039 --> 01:40:45.680
there and hit the car, what
did she say to you? Nothing?

1305
01:40:45.760 --> 01:40:48.960
She walked off, She didn't do
an exchange insurance information. I had to

1306
01:40:48.960 --> 01:40:53.399
call over within a couple of hours. Did she know you hit her car?

1307
01:40:53.760 --> 01:40:55.920
Oh? Yeah, she was standing
right there and she well, did

1308
01:40:56.000 --> 01:40:59.680
she say hey? Ushi, you
owe me money? Or you hit my

1309
01:40:59.800 --> 01:41:02.760
car? Or did she say nothing? She took a picture of her car

1310
01:41:02.880 --> 01:41:05.720
and walked out, and oh,
okay, my car in a different place.

1311
01:41:06.079 --> 01:41:10.079
Then I went there and I took
a picture of my own the same.

1312
01:41:10.159 --> 01:41:13.960
Now now, now, Busha,
Busha. Let let's just I just

1313
01:41:14.000 --> 01:41:19.680
want some scenarios, like let's say, let's say it was it was you

1314
01:41:19.680 --> 01:41:24.560
know, you did hit them,
and yes, Here's what I want to

1315
01:41:24.560 --> 01:41:29.600
know. Are you dispute You're not
disputing liability, you're disputing the cost.

1316
01:41:30.680 --> 01:41:33.319
Because what they're saying is it's like
I banged the car so bad that they

1317
01:41:33.359 --> 01:41:38.439
have to open the whole thing out
there. But she's the proof that I

1318
01:41:38.520 --> 01:41:41.760
did not do that. I didn't
bang the car. I just touched her

1319
01:41:41.800 --> 01:41:44.640
card. But what difference? Here's
what I want to know, though,

1320
01:41:44.920 --> 01:41:48.359
What difference does it make what you
did? If the damage is the damage?

1321
01:41:48.359 --> 01:41:53.760
That's what I don't understand, Like, for example, whether whether we

1322
01:41:53.920 --> 01:41:59.039
disagree on the amount, you do
agree you did the damage right and I

1323
01:41:59.079 --> 01:42:01.039
got distracted. I done it a
thousand times. Yeah, But what does

1324
01:42:01.079 --> 01:42:04.560
that mean? Usha? I'm trying
to figure out what that means. Does

1325
01:42:04.560 --> 01:42:09.920
it mean? Why stop? Why
does she not stop and touch my thought

1326
01:42:10.000 --> 01:42:15.359
and say stop? That's usha,
Usha, I'm not listen. We have

1327
01:42:15.479 --> 01:42:17.840
to take one thing at a time. Okay, First, let's take the

1328
01:42:18.000 --> 01:42:24.600
fault. Let's not talk about damage. Are you saying it's partly her fault?

1329
01:42:25.439 --> 01:42:30.439
Yes? Okay, that's different.
Now the cost of the matter,

1330
01:42:30.039 --> 01:42:35.279
unfortunately, is not going to be
debatable. Okay, it is what it

1331
01:42:35.359 --> 01:42:40.239
is. Now, what you're saying
is I shouldn't have to pay all of

1332
01:42:40.279 --> 01:42:44.319
it because it was partly her fault. Is that what you're saying? Okay?

1333
01:42:44.680 --> 01:42:51.319
Now I'm saying, does she agree
it was partly her fault? No?

1334
01:42:53.039 --> 01:42:55.880
I asked my steak farm to give
me what she said to them.

1335
01:42:56.159 --> 01:42:59.439
She's not said anything to me.
She's not talked to me nothing. We

1336
01:42:59.479 --> 01:43:03.840
didn't even exchange information on what is
your deductible? How much is your deductible?

1337
01:43:04.479 --> 01:43:10.000
Thousand? Which is that's fine.
The problem is seems to take ownership

1338
01:43:10.000 --> 01:43:13.760
of a little bit. What but
if you pay but no matter what,

1339
01:43:14.760 --> 01:43:19.840
whether your insurance pays half of it
or all of it, you only have

1340
01:43:19.880 --> 01:43:24.880
to pay one thousand dollars. That's
right, and I don't mind that.

1341
01:43:26.119 --> 01:43:30.880
So the part you're worried about is
that she's not taking responsibility. Yes,

1342
01:43:30.960 --> 01:43:34.239
okay, let me tell you,
and I'm going to clear this up for

1343
01:43:34.319 --> 01:43:39.199
you. When it comes to an
insurance claim. Since you already called your

1344
01:43:39.199 --> 01:43:44.520
insurance company, it's up to them
how they want to handle it. All

1345
01:43:44.600 --> 01:43:48.920
you have to do is submit the
claim, tell them what you think,

1346
01:43:49.439 --> 01:43:55.279
and pay your deductible. It's up
to them whether they want to pay the

1347
01:43:55.399 --> 01:43:59.880
three grand or if they're going to
fight her for what's called comparative negligent.

1348
01:44:00.640 --> 01:44:05.520
What you're describing is what is called
comparative negligence. Now, I want to

1349
01:44:05.560 --> 01:44:13.199
explain something to you. There usually
is not comparative negligence when one car is

1350
01:44:13.239 --> 01:44:18.159
standing still, usually not. You
have a very unusual situation where you're saying,

1351
01:44:18.760 --> 01:44:25.199
she saw me moving toward my car
and toward her car and did nothing

1352
01:44:25.279 --> 01:44:29.119
to stop me. Well, it
could be. It could be she didn't

1353
01:44:29.199 --> 01:44:32.520
realize you were going to scuff the
car. It was so close. Maybe

1354
01:44:32.560 --> 01:44:38.319
she didn't realize it. But but
why do you care if your insurance is

1355
01:44:38.359 --> 01:44:44.079
going to pay two or three What
do you care? Because the way she

1356
01:44:44.199 --> 01:44:48.079
acted towards me and the rudeness that
came afterwards, Okay, why don't you

1357
01:44:48.159 --> 01:44:54.199
come and tell the truth to your
company what really happened, rather than making

1358
01:44:54.199 --> 01:44:57.439
it look like I banged your car
so bad, which and they want to

1359
01:44:57.479 --> 01:45:01.000
remove all the stuff and the t
But by the way, her value of

1360
01:45:01.039 --> 01:45:04.479
a car will go down when she
makes them do that, because somebody who's

1361
01:45:04.520 --> 01:45:08.199
going to buy that car will go
to car Facts and say, oh,

1362
01:45:08.279 --> 01:45:11.960
this car has been in a big
problem. That's my not my problem.

1363
01:45:12.199 --> 01:45:15.159
But don't ever mention that to her. Okay, got it. I'm going

1364
01:45:15.239 --> 01:45:21.119
to tell you why, because there's
something called diminished value, and I don't

1365
01:45:21.159 --> 01:45:25.199
think, by the way, this
is going to have diminished value. But

1366
01:45:25.800 --> 01:45:29.279
here's what I would do, usha, I would leave it to my insurance

1367
01:45:29.319 --> 01:45:31.560
company. I truly would. Okay, I would leave it to them because

1368
01:45:31.600 --> 01:45:35.760
they're the ones that make a decision. It's out of your hands once you

1369
01:45:35.840 --> 01:45:40.560
put in the claim. Had you
not put in the claim, you could

1370
01:45:40.560 --> 01:45:44.159
have and you were paying it directly, you could have argued with her what

1371
01:45:44.199 --> 01:45:46.840
you're going to pay, and you
could have just given her half and said

1372
01:45:46.920 --> 01:45:50.079
sorry, I'm not paying the other
half and then fight it out. But

1373
01:45:50.479 --> 01:45:55.479
once you put it in with your
insurance, according to your policy. You

1374
01:45:55.640 --> 01:46:00.319
are the one required to do what
they decide. So if they decide pay

1375
01:46:00.359 --> 01:46:02.960
it all and you pay your deductible, you have no say about it.

1376
01:46:03.000 --> 01:46:08.600
That's that's just the way it is. So I understand now you weren't disputing

1377
01:46:08.640 --> 01:46:12.239
so much. What you were saying
is she should have taken responsibility. I

1378
01:46:12.279 --> 01:46:16.319
don't think technically she needed to,
though, because her car was standing still

1379
01:46:16.640 --> 01:46:20.720
and you were expecting her to see
what you were doing and stop you and

1380
01:46:20.920 --> 01:46:25.359
know that it was gonna hit.
I think that's too much to ask.

1381
01:46:25.800 --> 01:46:30.000
Three oh three seven one three talk
seven one three eight two five five Now

1382
01:46:30.000 --> 01:46:35.000
hold on, I want to talk
to uh. Who's next here? Israel

1383
01:46:35.359 --> 01:46:40.880
Israel? Go ahead, what's going
on? I've been in a collegecident.

1384
01:46:41.439 --> 01:46:50.159
I'm sorry, I'm Israel Israel.
I don't know what's going on. What's

1385
01:46:50.199 --> 01:46:55.479
going on? Both of all,
I want thank you forever. If you

1386
01:46:55.560 --> 01:46:59.039
do for the people, you know, you're really an angel. Well,

1387
01:46:59.079 --> 01:47:01.560
thank you. I free shit.
That is what's going on. I've been

1388
01:47:01.640 --> 01:47:04.119
following your show for a lot of
times. Last time you call it,

1389
01:47:04.920 --> 01:47:08.279
I wasn't going known. I still
think, first of all, I want

1390
01:47:08.319 --> 01:47:14.359
to compliment the Realtel Frank Ran the
really said, man, what a wonderful

1391
01:47:14.399 --> 01:47:18.000
man. Yes, huh, you
bought a house. Yeah, I bought

1392
01:47:18.039 --> 01:47:21.279
a house from him, and I'm
going to sell a house with him because

1393
01:47:21.279 --> 01:47:28.720
of you. Okay, that's one
thing. A second thing about I did

1394
01:47:28.760 --> 01:47:31.680
something that I shouldn't have done.
I may years old than be in July.

1395
01:47:32.560 --> 01:47:38.560
Uh huh. And I decided I'm
going to have classic surgery. So

1396
01:47:38.600 --> 01:47:43.680
I did classic surgery with that intelligent
and I almost died. I had the

1397
01:47:43.720 --> 01:47:48.439
physical before the plastic surgery, you
know, with my with my doctor,

1398
01:47:49.600 --> 01:47:55.720
and everything came good. But he
went in too deep. I asked him

1399
01:47:55.760 --> 01:47:59.600
not to go. What kind of
plastic surgery was in Israel? What kind

1400
01:47:59.640 --> 01:48:03.279
of class six surgery on my face
and my neck? And what was it

1401
01:48:03.399 --> 01:48:08.880
for? What was it that he
went Was it a face lift? Yeah,

1402
01:48:09.079 --> 01:48:12.880
facelifts? And okay, and you
said he went too deep? You

1403
01:48:13.720 --> 01:48:21.359
said he went too deep it did. What happened was he could end up

1404
01:48:21.399 --> 01:48:27.960
in intensive scale for about a week
and they called me names there, you

1405
01:48:28.039 --> 01:48:30.680
know, not the doctor, but
the staff called me a Jew and the

1406
01:48:30.760 --> 01:48:35.560
kite. What wait a minute,
wait a minute, they call they were

1407
01:48:35.600 --> 01:48:42.600
calling you ethnic names, Yes,
sir, are you sure that what what

1408
01:48:43.079 --> 01:48:47.760
I'm I'm not lying, I'm not
lying. I'm a hundred percent sure.

1409
01:48:47.880 --> 01:48:55.039
But what's helping me? What's helping
me? I almost died now, I

1410
01:48:55.199 --> 01:49:01.479
was bleeding, you know, pneumonia. I didn't stop walking. So are

1411
01:49:01.520 --> 01:49:11.960
you blaming this Israel? Are you
blaming the doctor for malpractice? I don't

1412
01:49:11.960 --> 01:49:15.880
know. I don't know what to
do with you and Assal, you know,

1413
01:49:15.079 --> 01:49:18.399
I don't know because the como,
the stuff, you know, I

1414
01:49:18.439 --> 01:49:24.800
got so sick and tired, and
I asked him to let me go home,

1415
01:49:25.520 --> 01:49:28.079
and they did you did you get
in it? Let me ask you

1416
01:49:28.079 --> 01:49:30.960
this Israel. Let's talk one thing
at a time. First, the plastic

1417
01:49:31.039 --> 01:49:38.399
surgery itself. Did the plastic surgery
go okay? Or are you claiming the

1418
01:49:38.439 --> 01:49:45.439
doctor did something wrong. I'm claiming
that the doct over did okay? Do

1419
01:49:45.560 --> 01:49:47.720
you go? Man? You should
have let me sit down and talk to

1420
01:49:47.760 --> 01:49:51.720
me a little bit more about it. So, you know, almost died.

1421
01:49:51.720 --> 01:49:58.720
And as I went to my my
dazel yesterday an appointment and they said,

1422
01:49:58.720 --> 01:50:00.840
you lucky, you're not dead.
Okay, hold on right now,

1423
01:50:00.880 --> 01:50:03.640
Israel, come Israel, hold on, and I'm going to come back to

1424
01:50:03.640 --> 01:50:06.159
you. Okay, hang on for
a second. I got to take this

1425
01:50:06.279 --> 01:50:23.039
break. Hi, Tom Martino here
three oh three seven one three talks seven

1426
01:50:23.079 --> 01:50:31.159
one three eight two five five.
Yeah, listen, Israel's talking about plastic

1427
01:50:31.239 --> 01:50:36.479
surgery, and I'm telling you it's
not the greatest thing in the world when

1428
01:50:36.520 --> 01:50:43.199
this is something like this happens Israel. I'm gonna I want to tell you

1429
01:50:43.239 --> 01:50:47.239
a few things, and I'm hoping
you understand. I know you'll understand malpractice.

1430
01:50:48.159 --> 01:50:56.079
Malpractice is a very very, very
long and grueling process to go through,

1431
01:50:57.399 --> 01:51:00.640
even when you're right, even when
you're one hunt undred percent right.

1432
01:51:01.640 --> 01:51:05.960
And here's the I want to tell
you something else. The older you are,

1433
01:51:06.720 --> 01:51:11.720
the more difficult it is, because
I'm going to tell you why,

1434
01:51:12.359 --> 01:51:16.960
Because they assume that you're not going
to heal and respond like a younger person.

1435
01:51:17.359 --> 01:51:21.399
Now, whether or not this doctor
should have turned it down or should

1436
01:51:21.399 --> 01:51:28.000
have done something differently, that's a
whole different story. You need, though,

1437
01:51:28.079 --> 01:51:33.159
to talk to someone to see.
But I'm telling you, unless how

1438
01:51:33.199 --> 01:51:35.520
are you doing right now? Let
me ask you that, how are you

1439
01:51:35.600 --> 01:51:44.079
doing that? But you don't have
any permanent injury. You don't have any

1440
01:51:44.119 --> 01:51:54.920
permanent injury right us now? How
does it look? Hello, blue dopad?

1441
01:51:55.000 --> 01:51:58.520
But it little better than a log. Yes. Now, the other

1442
01:51:58.600 --> 01:52:04.960
thing that it's a separate issue from
the hospital treatment. The hospital treatment concerns

1443
01:52:05.000 --> 01:52:10.439
me. But here's my own humble
opinion. It's not a legal opinion.

1444
01:52:10.920 --> 01:52:13.800
If you were my dad, if
you're my brother, I'm going to tell

1445
01:52:13.840 --> 01:52:17.800
you Israel, don't take the time
and energy at ninety two years old to

1446
01:52:17.880 --> 01:52:23.680
pursue a malpractice. Two, I'm
not ninety two. I'm d oh.

1447
01:52:23.720 --> 01:52:26.079
I thought you said no. I'm
sorry. I thought you said ninety two.

1448
01:52:26.119 --> 01:52:30.880
I'm sorry. No, I'm sorry. Okay. I would not at

1449
01:52:30.920 --> 01:52:34.279
eighty take the time and energy it
would take for a malpractice because you don't

1450
01:52:34.319 --> 01:52:39.159
have permanent injury, and I don't
think it'll be worth your time and money,

1451
01:52:39.159 --> 01:52:43.119
and it'll be too depressing. That's
what I'm saying. Okay, however,

1452
01:52:43.680 --> 01:52:47.359
unless you're permanently scarred and have permanent
damage. But listen to this.

1453
01:52:48.079 --> 01:52:53.800
I don't like what you're telling me
about the hospital. Are you really serious

1454
01:52:54.199 --> 01:53:00.039
that they were calling you names and
mean to you. It's a Martino I

1455
01:53:00.119 --> 01:53:03.479
made years old. I will not
lie to you. There's no way in

1456
01:53:03.600 --> 01:53:08.520
hell I will lie to you.
You know my doctor? They did they

1457
01:53:08.560 --> 01:53:11.640
come right out in the did they
come right out and call it to your

1458
01:53:11.760 --> 01:53:15.359
faith? I tell you, I
tell you exactly what happened, mister Martina.

1459
01:53:15.079 --> 01:53:19.560
I want that hospital, and I
couldn't help the abuse. Besides,

1460
01:53:20.239 --> 01:53:28.640
was very sick. My kidney fell
and I had pneumonia. I was intensive

1461
01:53:28.720 --> 01:53:33.159
care and I ran away. What
do you mean by I ran away?

1462
01:53:33.319 --> 01:53:38.039
I told me, cannot hold me
against my will? So fine. I

1463
01:53:38.119 --> 01:53:42.359
was bleeding all over the place.
Doctor was the fine. I cannot so

1464
01:53:42.399 --> 01:53:45.840
I said it made. They made
me sign something and then I signed it

1465
01:53:45.960 --> 01:53:48.800
and then they let me go.
I got somebody picking me up and I

1466
01:53:48.920 --> 01:53:54.760
left. Then my wife. I
was bleeding all over the place, so

1467
01:53:54.840 --> 01:53:58.239
my wife called nine one one.
They came from a house and it took

1468
01:53:58.239 --> 01:54:01.760
me back. That's what happened when
you went back? How did they treat

1469
01:54:01.760 --> 01:54:10.399
you? Not good? What does
that mean? Basically? It's about very

1470
01:54:10.800 --> 01:54:13.720
abusive. But they call me names, and she is I don't know.

1471
01:54:13.840 --> 01:54:19.439
You know, you know my religion, you know Israel? Israel? What

1472
01:54:20.479 --> 01:54:27.880
I mean, listen, I know
there are people that are insensitive, but

1473
01:54:28.039 --> 01:54:31.239
it's almost hard for me to believe
that you're in a hospital and they call

1474
01:54:31.359 --> 01:54:38.199
you names about being a jew.
So so I will not like you.

1475
01:54:38.279 --> 01:54:41.920
I'll respect your love. I will
not do that. What hospital did you?

1476
01:54:42.039 --> 01:54:45.479
What hospital was this? What hospital? I cannot talk about the guys

1477
01:54:45.520 --> 01:54:49.680
now, I cannot tell them because
it's a good hospital. It's a great

1478
01:54:49.680 --> 01:54:55.000
hospital. That's not going with the
hospital. I'm not talking about the hospital.

1479
01:54:55.000 --> 01:54:58.600
I'm talking about the SEF. I'm
not talking about the doctors and the

1480
01:54:58.720 --> 01:55:03.760
big shots. I'm talking about one
nose. Okay, there was so busy

1481
01:55:04.359 --> 01:55:10.199
that let me give you an example. There was so busy that they couldn't

1482
01:55:10.239 --> 01:55:13.600
handle it. When I came back, they tried to do all blood on

1483
01:55:13.720 --> 01:55:15.239
my hand, and there was so
busy. They got one of the girls

1484
01:55:15.239 --> 01:55:19.760
and the phone. She almost walked
the needle in my arms. She couldn't

1485
01:55:19.760 --> 01:55:25.920
get out. She was not the
noose. Okay, listen, lem it's

1486
01:55:25.960 --> 01:55:29.920
Christie. Do you do you want
to put a complaint in with the patient

1487
01:55:30.000 --> 01:55:39.119
advocate at that hospital? Every hospital
has a patient's advocate? Yes? Did

1488
01:55:39.159 --> 01:55:42.880
you ever call them? Doctor?
No? I did not. My doctor

1489
01:55:42.960 --> 01:55:45.960
told me I need to see them
for male parctice. But I don't know.

1490
01:55:45.239 --> 01:55:51.720
There's no mal forget about suing Israel. Seriously, the way to handle

1491
01:55:51.760 --> 01:55:56.159
this is to let us call them, or you call them and put in

1492
01:55:56.199 --> 01:56:02.479
a complaint. Really, the malpractice
is means you're permanently injured from some lack

1493
01:56:02.560 --> 01:56:08.000
of care. You know, these
people might have one or two people there,

1494
01:56:08.199 --> 01:56:10.600
as you say, might have been
a jerk to you. That's not

1495
01:56:10.760 --> 01:56:15.319
malpractice, exactly, exactly right,
that's not malpractice. And if you want,

1496
01:56:15.359 --> 01:56:21.359
did you get the names of the
jerks there? No, I cannot.

1497
01:56:21.119 --> 01:56:25.960
I don't want to. Well,
I I listen, you tell me

1498
01:56:26.079 --> 01:56:30.359
whatever you want. I'm gonna put
you on hold whatever you want. Did

1499
01:56:30.359 --> 01:56:36.960
he just hang on anyway, Israel? If you want us to call and

1500
01:56:38.039 --> 01:56:44.640
complain about these people, we will, all right, three oh three seven

1501
01:56:44.880 --> 01:56:49.479
one three talk three oh three seven
one three eight two five five all right.

1502
01:56:50.560 --> 01:56:54.399
I was giving out my number for
people to text me, and I

1503
01:56:54.399 --> 01:56:58.279
have a bunch of a bunch of
questions. I promise I'll try to get

1504
01:56:58.279 --> 01:57:00.119
to but right now, Frank,
I'm going to come to you right after

1505
01:57:00.159 --> 01:57:03.920
this about wheelbarings on a jeep Liberty, whatever you guys got. Remember,

1506
01:57:04.000 --> 01:57:06.840
by the way, tomorrow's car day
as well, And we're going to talk

1507
01:57:06.840 --> 01:57:10.960
a lot of car issues. Then
I'm Tom Martino three O three seven to

1508
01:57:11.000 --> 01:57:20.239
one three eight two five five.
Hi Tom Martine Here, John Jones Juniors

1509
01:57:20.279 --> 01:57:25.039
with Integra Insurance Group. They do
health insurance. John, would there be

1510
01:57:25.119 --> 01:57:30.920
a reason that you can think of
that I'm getting numerous texts right now about

1511
01:57:30.000 --> 01:57:35.680
health insurance premiums and people wanting to
switch. Open enrollment was over at the

1512
01:57:35.760 --> 01:57:40.319
end of the year. Why do
you think I'm getting caught And it can't

1513
01:57:40.399 --> 01:57:44.039
be. They don't know each other. I'm just getting some texts right now.

1514
01:57:44.119 --> 01:57:49.000
Why do you think that's a great
question. Premiums are set for the

1515
01:57:49.439 --> 01:57:56.079
for those under age sixty five,
right, Individual family health insurance premiums are

1516
01:57:56.159 --> 01:57:59.279
set for the year by the Division
of Insurance, and so those don't change

1517
01:57:59.359 --> 01:58:03.000
during the year. There could be
several factors. I mean, I guess

1518
01:58:03.079 --> 01:58:11.399
technically, you know, Medicaid redetermined
as far as income limits change on April

1519
01:58:11.439 --> 01:58:15.680
first, and maybe something something ah, maybe people are now shopping for Maybe

1520
01:58:15.760 --> 01:58:20.279
people go ahead and so somebody who
was getting a big tax credit because their

1521
01:58:20.319 --> 01:58:27.920
income is right at that border Medicaid
income or that that border increased, and

1522
01:58:27.960 --> 01:58:30.159
so now they technically and so maybe
they lost their tax credits and they're getting

1523
01:58:30.159 --> 01:58:33.239
a surgeon. Yeah, my premium, I just lost all my tax credits

1524
01:58:33.239 --> 01:58:36.479
I'm getting I'm being charged the full
premium amount. Now, I guess that

1525
01:58:36.520 --> 01:58:40.000
could be something. Hold on,
hold on, John, I may have

1526
01:58:40.039 --> 01:58:42.119
to get you back on tomorrow.
But I want to ask you this,

1527
01:58:43.000 --> 01:58:48.319
Are there any bargains out there?
I'm hearing from single individuals that say seven

1528
01:58:48.439 --> 01:58:54.680
hunts more? Is that possible?
It all depends on income. It all

1529
01:58:54.720 --> 01:58:58.199
depends if you qualify for that tashu
that sorry, not the tax credit.

1530
01:58:59.159 --> 01:59:03.520
And so it depends on income whether
or not you qualify for those tax credits.

1531
01:59:03.520 --> 01:59:05.800
And you can get pretty much your
health interns for as low as zero

1532
01:59:05.880 --> 01:59:11.880
dollars a month. Yeah, but
okay, what I guess we're going to

1533
01:59:11.920 --> 01:59:15.159
get you back because I want to
know what the new what the tax credits

1534
01:59:15.159 --> 01:59:19.159
are, and what the levels are, and maybe advice for people. Some

1535
01:59:19.199 --> 01:59:24.479
people are saying they were recommended that
they get catastrophic coverage. I want to

1536
01:59:24.520 --> 01:59:28.800
talk about that and more coming up
tomorrow. I'm Tom Martino. Stay tuned

1537
01:59:28.840 --> 01:59:31.319
for that. We'll try to get
him on tomorrow. Don't forget three oh

1538
01:59:31.359 --> 01:59:35.600
three Martino for help, information and
referrals. Three oh three Martino