WEBVTT 1 00:00:00.760 --> 00:00:13.759 Yeah, ripped up. You need advice, so you don't have come running. 2 00:00:14.000 --> 00:00:19.480 Just as fast as we can. Shoot is gonna help? Come man 3 00:00:20.160 --> 00:00:28.879 Dix is the Troubleshooter Show. No, Tom Martine, Hello Tom Martine here, 4 00:00:28.920 --> 00:00:32.200 welcome three all three seven one three talk seven one three eight two five 5 00:00:32.280 --> 00:00:35.560 five. By the way, uh, you'll stand in my wide shot here. 6 00:00:35.600 --> 00:00:37.719 I just turned. Oh well, no, I'm not up yet. 7 00:00:37.799 --> 00:00:42.200 We're streaming, but we are online and we're streaming our audio. And George 8 00:00:42.240 --> 00:00:45.359 is with me from fixed at twenty four to seven, A longtime friend. 9 00:00:45.679 --> 00:00:49.479 I think I knew him since he was four. Anyway, I joke about 10 00:00:49.479 --> 00:00:51.560 that. I don't even know how old you are anymore. You know that, 11 00:00:51.679 --> 00:00:54.560 George. But I know when I met you you were you were back 12 00:00:54.600 --> 00:00:58.600 then even an electrician. Were you a master electrician back then? Were you 13 00:00:59.119 --> 00:01:00.679 back in when you were really you were in your twenties right? Yeah? 14 00:01:00.719 --> 00:01:03.200 When I first met you, I wasn't a master yet, but I became 15 00:01:03.239 --> 00:01:06.719 a master as young as you can at twenty three. Yeah, yo, 16 00:01:06.920 --> 00:01:10.879 yeah, And then when I met you, and then you took that company 17 00:01:10.920 --> 00:01:15.840 to New Heights with your in laws, and then you also went with the 18 00:01:15.159 --> 00:01:19.239 the the private equity company that took it over, and then you learned the 19 00:01:19.280 --> 00:01:23.599 business from them, and you went into moved to California. You came back 20 00:01:23.680 --> 00:01:27.200 years ago here and just built a great company with fixes. So anyway, 21 00:01:27.840 --> 00:01:30.920 I want to talk to you about a couple of things today, not just 22 00:01:32.319 --> 00:01:38.319 getting getting before the rush. God, you know what I warned people like 23 00:01:38.439 --> 00:01:41.680 the other night, I warned people about moving companies because we're getting into the 24 00:01:41.760 --> 00:01:45.359 moving season. People will be ripped off every year we hear from them. 25 00:01:45.599 --> 00:01:49.719 I just put up a video on LinkedIn, Instagram and YouTube just warning people. 26 00:01:51.000 --> 00:01:53.439 And now I'm gonna warn people about AC. They're gonna wait right up 27 00:01:53.519 --> 00:01:57.200 until it gets ninety and then they're gonna call you and you're gonna be so 28 00:01:57.359 --> 00:02:04.200 slammed. And I tell people, do it now? Do Why do people 29 00:02:04.920 --> 00:02:09.039 wait? Well as human nature, but don't wait. You would save money. 30 00:02:09.479 --> 00:02:15.759 You don't have pressure if there is something wrong and if if you get 31 00:02:15.800 --> 00:02:19.639 it cleaned and check now. The thirty nine dollars special for new customers is 32 00:02:19.680 --> 00:02:28.520 unbelievable because what that is is almost an assured increase in efficiency and extending the 33 00:02:28.560 --> 00:02:30.520 life of your AC. Now you do it for your furnace, do it 34 00:02:30.520 --> 00:02:37.639 for your ac. You should do it now again, but don't wait. 35 00:02:37.960 --> 00:02:39.240 But they're not going to be able to go out for thirty nine bucks when 36 00:02:39.280 --> 00:02:45.000 they're slammed. So fix myhome dot Com seven two zero five two six thirty 37 00:02:45.080 --> 00:02:46.599 nine thirty nine? Did I leave anything out quickly? And then I'll go 38 00:02:46.599 --> 00:02:51.879 to the phones. When you say assured, we literally guarantee your system won't 39 00:02:51.919 --> 00:02:54.080 break down this season. Yeah, and you should do your AC and furnace 40 00:02:54.159 --> 00:02:58.080 right now after winter because you use your furnace for your aces. Sure you 41 00:02:58.120 --> 00:03:00.400 can do both. It's the best time of the year action. So would 42 00:03:00.400 --> 00:03:04.280 that be thirty nine bucks each? Then yep? Okay, And you don't 43 00:03:04.319 --> 00:03:07.159 understand what a deal this is. They spent two and a half hours at 44 00:03:07.199 --> 00:03:10.520 my house and it wasn't because it was my house. Honest to god, 45 00:03:10.560 --> 00:03:14.879 they did that and people call me and say, God, it's amazing anyway, 46 00:03:15.759 --> 00:03:17.280 So let's fix myhome dot Com. I want to mention something else, 47 00:03:19.159 --> 00:03:23.240 like the moving companies the scam. Just check out that video please on our 48 00:03:23.280 --> 00:03:27.159 YouTube channel. Troubleshooter Network is really worth it. And I'm going to go 49 00:03:27.240 --> 00:03:29.960 right to the phones now. The truck off your stuff and say, uh, 50 00:03:30.000 --> 00:03:32.479 you always more money. It's more than that. First the deposit that 51 00:03:32.560 --> 00:03:36.080 goes nowhere. Then the other guy comes to pick it up. He charged 52 00:03:36.080 --> 00:03:38.639 you more. Then they hold a hostage to deliver it, and they charge 53 00:03:38.639 --> 00:03:40.680 you more. So you pay three times. And honest to God, we 54 00:03:40.759 --> 00:03:46.599 hear it every single time. Now let's talk about let's talk to John. 55 00:03:46.360 --> 00:03:51.319 John has a problem. And I got to find your original call. John. 56 00:03:51.360 --> 00:03:57.639 What are you calling about? Yeah, John, what's happening? Yeah? 57 00:03:57.639 --> 00:03:59.759 I was. It was a follow up from that call I think I 58 00:03:59.840 --> 00:04:04.800 made two weeks ago regarding the uh, the dog that had died. Oh 59 00:04:04.919 --> 00:04:09.919 yeah, who handled that for Did we have somebody handle that for you? 60 00:04:09.919 --> 00:04:12.240 No? I basically talked to you and Mark on the phone, and then 61 00:04:12.280 --> 00:04:15.680 the doctor came on and he kind of reiterated basically at the barri en versus 62 00:04:15.759 --> 00:04:19.399 the you know, using the X ray. So, oh, I think 63 00:04:19.480 --> 00:04:25.040 Mark must have handled that call because I don't recall it, but maybe I 64 00:04:25.079 --> 00:04:29.120 did. But anyway, what happened you did? Well, it was the 65 00:04:29.160 --> 00:04:33.519 thing where my dog had an obstruction and it was diagnosed on this Oh, 66 00:04:33.639 --> 00:04:36.600 deputy, when you said the doc came out, not the vet but the 67 00:04:36.839 --> 00:04:41.519 deputy Doc mentioned that, yeah, when you okay, and there was an 68 00:04:41.560 --> 00:04:46.240 obstruction in the in the intestines, they did not pick up on right, 69 00:04:46.319 --> 00:04:48.160 and then I drove him back down the next day at half looked at it 70 00:04:48.160 --> 00:04:50.920 again and and he was dead when you got to the car to pick him 71 00:04:51.000 --> 00:04:56.439 up right. Yes, exactly. That was terrible. So you had recommended, 72 00:04:56.480 --> 00:04:59.360 like you asked all the people that you talked to, what do you 73 00:04:59.439 --> 00:05:02.279 want? And I said, well, I wanted to have some information passed 74 00:05:02.279 --> 00:05:05.759 out there that before you don't get in that position. Check out your vet. 75 00:05:05.800 --> 00:05:10.879 See if he's capable of treating that particular illness. I guess you might 76 00:05:10.920 --> 00:05:15.839 say or ailment. But wasn't this almost like an emergency? Oh well yeah, 77 00:05:15.920 --> 00:05:18.600 well, I mean that morning, that Tuesday morning, he was throwing 78 00:05:18.680 --> 00:05:24.839 up and they they gave him an X ray and they didn't use barium, 79 00:05:24.920 --> 00:05:29.879 which would stop at the bariam would have showed an obstruction, but they may 80 00:05:29.879 --> 00:05:32.839 not have suspected it. The other thing. I so, yeah, And 81 00:05:32.879 --> 00:05:36.319 Doc mentioned that what you wanted to know is that malpractice is not and what 82 00:05:36.439 --> 00:05:43.240 I said was this, no matter what, what you have to prove, 83 00:05:43.560 --> 00:05:46.360 even with a dog, malpractice is that it was beyond that, it was 84 00:05:46.399 --> 00:05:50.279 beneath the standard of care. But even if you prove that again, I'm 85 00:05:50.279 --> 00:05:54.439 going to ask the question. I always ask what are the damages? Now, 86 00:05:54.680 --> 00:05:58.720 this is a full terrier. I remember three years old, right right? 87 00:05:58.959 --> 00:06:02.040 Was this dog? Did this dog have stud potential? Oh? Yeah, 88 00:06:02.160 --> 00:06:06.040 yeah, he was a grand champion he was. Is that a Spuds 89 00:06:06.120 --> 00:06:11.399 Mackenzie dog Bull terriers? Exactly? Exactly? And in fact, I'll bet 90 00:06:11.480 --> 00:06:14.480 you when you're in public, because we did it the other day. You 91 00:06:14.519 --> 00:06:17.560 see the dog and the first thing people say is ah, Spuds Mackenzie. 92 00:06:18.040 --> 00:06:23.680 Yeah, Target, black sheep Squadron. Oh that's right, Target. I 93 00:06:23.720 --> 00:06:27.160 forgot about Target. Yeah, they had the white I had. This guy 94 00:06:27.360 --> 00:06:30.399 was a Brenda long White and just the sweetest. I talk to Challenge. 95 00:06:30.399 --> 00:06:34.279 She was very sweet. The thing is that I talked to my co owner 96 00:06:34.439 --> 00:06:40.439 and she said, John, take your lumps. Basically asked the doctor for 97 00:06:40.480 --> 00:06:43.480 the repayment. I think that's what you suggested to was just if you can 98 00:06:43.480 --> 00:06:46.360 get your money back on the treatment and on the cremation. So I sent 99 00:06:46.399 --> 00:06:51.360 a letter and I said, if you refund my my fees that I paid 100 00:06:51.360 --> 00:06:56.079 for that season. And Wednesday I said, I will consider the matter ended 101 00:06:56.120 --> 00:07:00.920 at this point, and she wrote me a nice letter back and he said, 102 00:07:00.079 --> 00:07:03.319 you can have your Yeah, we'll refund your your treatment. So the 103 00:07:03.360 --> 00:07:06.560 reason I called, I said, with six hundred eighty one dollars, and 104 00:07:06.600 --> 00:07:10.560 I said, you can add that to your tally because you know you're the 105 00:07:10.560 --> 00:07:14.040 one that reinforced that idea. That. Hey, John, that's very nice 106 00:07:14.040 --> 00:07:15.680 of him to do that. I mean, because I don't know. I 107 00:07:15.800 --> 00:07:23.800 still the jury still out as to whether that was misdiagnosis or not. I 108 00:07:23.800 --> 00:07:27.079 mean it was a misdiagnosis. I'm sorry, whether it was reckless or not. 109 00:07:28.279 --> 00:07:30.920 No. Yeah, I talked to my main that he was out and 110 00:07:31.000 --> 00:07:34.839 he was doing a judging it in Australia, and we talked about this whole 111 00:07:34.879 --> 00:07:40.800 system, this whole this whole thing that happened. And he also said, 112 00:07:40.879 --> 00:07:45.040 yeah, they should have done this, and he said there were better options 113 00:07:45.040 --> 00:07:46.439 out there, so he should have taked to an emergency. That they should 114 00:07:46.480 --> 00:07:51.120 have not treated him and mistreated him. So okay, well, you know 115 00:07:51.160 --> 00:07:55.040 what, it's easy to look back and say that I don't know enough to 116 00:07:55.079 --> 00:07:57.800 say it, but I'm really happy this happened for you. Thank you for 117 00:07:57.800 --> 00:08:00.839 calling three or three seven to one to three talk. Now, you don't 118 00:08:00.839 --> 00:08:05.759 hold the record for spending on vet bills. George does for everybody. Because 119 00:08:05.079 --> 00:08:09.000 George has bulldogs and I don't know if you guys remember I had him on 120 00:08:09.000 --> 00:08:13.680 his puppies and now he has three. He had two and little babies and 121 00:08:13.720 --> 00:08:16.639 they grew up, and then he got another one and now he's got three. 122 00:08:16.920 --> 00:08:22.399 Aren't they riddled with health problems as a breed? Yeah? Generally speaking, 123 00:08:22.480 --> 00:08:24.800 yeah, they are, aren't they? I mean as a breed, 124 00:08:24.920 --> 00:08:28.839 we've had five and we've only had one that had health issues. But oh 125 00:08:28.240 --> 00:08:33.840 ours actually was a misdiagnosis that ended up leading to his death. So no, 126 00:08:33.840 --> 00:08:37.279 no on a misdiagnosis. I mean, are there vets that specialize in 127 00:08:37.320 --> 00:08:41.440 certain dogs? I mean that are there dogs? Are there people known for 128 00:08:41.519 --> 00:08:46.840 bulldogs? Are there people I wonder I wouldn't say bulldogs specifically. I mean 129 00:08:46.000 --> 00:08:50.720 there's probably people that are better with them than others. This particular vet in 130 00:08:50.759 --> 00:08:54.720 California though I didn't we didn't do our diligence, but if you look at 131 00:08:54.799 --> 00:08:58.240 reviews, I mean, yeah, this guy's very intentional about what he does. 132 00:08:58.279 --> 00:09:01.600 It's not I mean it's reckless. Wow, definitely reckless. Yeah, 133 00:09:01.600 --> 00:09:03.120 it's it's it's a really So did you ever go after him? No? 134 00:09:03.279 --> 00:09:07.039 I didn't. I mean, trust me, my family wants me to just 135 00:09:07.080 --> 00:09:11.279 the emotion. How long ago was that that he actually died just over a 136 00:09:11.440 --> 00:09:13.919 year ago? Here a year and a half ago, and it was from 137 00:09:13.960 --> 00:09:18.200 what you feel a misdiagnosed. We actually have one hundred percent that. Wow. 138 00:09:18.799 --> 00:09:24.120 Anyway, people have real problems with their animals, and the problem, 139 00:09:24.519 --> 00:09:30.679 the real problem we always find is the limitation of damages. Now, there 140 00:09:30.759 --> 00:09:35.360 was an exception to that that we found. I usually used to tell people 141 00:09:37.120 --> 00:09:41.639 you don't get anything but the cost of the dog. Now, obviously the 142 00:09:41.679 --> 00:09:45.080 cost of the dog could be, you know, expensive, if it's a 143 00:09:45.120 --> 00:09:50.799 bulldog or some kind of standard poodle or a really a good breed, that's 144 00:09:50.840 --> 00:09:56.159 expensive, right, It could be a few grand, but you're never going 145 00:09:56.240 --> 00:10:00.720 to get what you think you should get. However, there there was a 146 00:10:00.840 --> 00:10:05.000 case where a woman had a mongrel basically I call him Heinz fifty seven, 147 00:10:05.440 --> 00:10:09.840 just a dog, nothing special under but it was a little dog like a 148 00:10:09.919 --> 00:10:13.320 Yorki or someone else. It was underneath her table when she came home, 149 00:10:13.360 --> 00:10:20.039 it was dead. The housekeepers let it out by mistake and it got hit 150 00:10:20.120 --> 00:10:26.240 by a car. It came struggling home and they placed it underneath the dining 151 00:10:26.320 --> 00:10:31.440 room table and it died there. Now we were shocked by this case, 152 00:10:31.919 --> 00:10:37.840 but the owner got pain and suffering against the cleaning company, not just the 153 00:10:37.879 --> 00:10:41.519 cost of that dog. It was an older dog, because of the suffering 154 00:10:41.519 --> 00:10:45.399 that went on and what this person had to go through, because they could 155 00:10:45.440 --> 00:10:48.679 have easily called the vet. Now it may not have saved the life, 156 00:10:48.080 --> 00:10:50.919 but for that dog to go under that table and suffer, and for the 157 00:10:50.960 --> 00:10:58.440 owner to contemplate that it was truly egregious. Angie has an issue where a 158 00:10:58.480 --> 00:11:01.679 refrigerator will go to right after the break and then Deputy Chopper wants to weigh 159 00:11:01.759 --> 00:11:05.799 in on a couple problems he's been handling. Whatever's on your mind. If 160 00:11:05.799 --> 00:11:09.360 you have any questions, you can text this as well on HVAC three oh 161 00:11:09.399 --> 00:11:13.840 three seven one three TOM three oh three seven one three eight two five five. 162 00:11:13.840 --> 00:11:16.559 By the way, waterpros dot net, you know how I feel about 163 00:11:16.559 --> 00:11:24.399 water at the kitchen sing fourteen hundred bucks fully installed triple filter reverse osmosis three 164 00:11:24.480 --> 00:11:31.840 oh three eight six two five, five five four Go with a sure thing 165 00:11:31.960 --> 00:11:37.360 Denver's Best Roofer Excel Roofing dot com. You don't pay a cent until you're 166 00:11:37.440 --> 00:11:43.720 content. Wait time for an insurance check up free, no obligation. In 167 00:11:43.799 --> 00:11:48.639 comparison, call Compass Insurance. Paying too much your coverage at dozens of insurance 168 00:11:48.679 --> 00:11:52.399 companies find out now three all three seven seven to one. Help You'll think 169 00:11:52.399 --> 00:11:56.440 you're his only customer when you choose Frank durand the real estate Man dot com 170 00:11:56.480 --> 00:12:01.159 to list your home with Remax Alliance three oh three nine two Zerol sixteen twenty 171 00:12:01.159 --> 00:12:09.759 two. Hi Tom Martino, your troubleshooter three oh three seven one three Talk 172 00:12:09.840 --> 00:12:16.919 three oh three seven one three eight two five five one. Clear Choice Garage 173 00:12:16.960 --> 00:12:20.639 Doors for all your garage door needs to remember that all of their prices are 174 00:12:20.679 --> 00:12:22.799 on the website for everything they do. That's how proud they are, That's 175 00:12:22.799 --> 00:12:28.000 how wonderful they are. Twenty four to seven. Service for Emergencies one clear 176 00:12:28.159 --> 00:12:35.559 Choice dot Com. Joe Caiano's with us. He's a certified financial planner. 177 00:12:35.360 --> 00:12:41.639 In fact, he trains financial planners. They have actually a school where they 178 00:12:41.720 --> 00:12:46.080 train people how to do things. And he also of course, is putting 179 00:12:46.120 --> 00:12:50.200 on a movie for us coming up in a few nights. It's on the 180 00:12:50.279 --> 00:12:56.399 ninth, and it'll be about the retirement dilemma. And what I want to 181 00:12:56.440 --> 00:13:01.000 talk about is, uh, Joe is not a big fan of the stock 182 00:13:01.039 --> 00:13:09.480 market. I should mention this for retirement because people always text me saying, 183 00:13:09.159 --> 00:13:15.480 how dare he? The S and P is doing great and over a forty 184 00:13:15.559 --> 00:13:20.200 year period it's outpaced inflation. Blah blah blah. Now listen, it's true 185 00:13:20.360 --> 00:13:26.519 that over the long term things can work out. But for us, the 186 00:13:26.679 --> 00:13:33.120 long term isn't the last one hundred years of the stock market or forty or 187 00:13:33.120 --> 00:13:37.759 fifty for us. Most of us have, most of us when it comes 188 00:13:37.799 --> 00:13:41.639 to retirement. That is because very seldom the people start at earth. But 189 00:13:41.720 --> 00:13:48.279 what they have is a horizon of maybe thirty years to forty forty on the 190 00:13:48.279 --> 00:13:52.039 outside, but thirty and what we're saying, and most people, Joe, 191 00:13:52.080 --> 00:13:58.120 you probably figured what they've only been planning for twenty Maybe here's the point. 192 00:13:58.720 --> 00:14:03.480 Here's the point. It's not that the stock market won't perform. It will, 193 00:14:03.559 --> 00:14:07.440 But you see, if you don't catch the window, if you picture 194 00:14:07.639 --> 00:14:11.440 the stock market up and down, and up and down and up and down, 195 00:14:11.559 --> 00:14:13.799 way way way down, way way way up, way way way down. 196 00:14:15.000 --> 00:14:18.879 You know when you picture all kinds of peaks and troughs, recessions, 197 00:14:20.519 --> 00:14:24.960 recoveries when you can, if you don't capture the right window, you would 198 00:14:26.000 --> 00:14:28.720 be on the downside and can't make it up before retirement. Now some people 199 00:14:28.759 --> 00:14:33.240 can, some people can't. So he likes taking the mystery out of it 200 00:14:33.879 --> 00:14:39.879 with these fixed annuities which just don't tie themselves to the stock market, and 201 00:14:39.519 --> 00:14:46.960 they basically guarantee income and guarantee certain results. But what this movie's gonna do, 202 00:14:46.120 --> 00:14:50.480 Joe, if you had to sum up the movie without getting into a 203 00:14:50.519 --> 00:14:52.679 lot of detail, because I want them to call to find out about it 204 00:14:52.919 --> 00:14:58.679 on the ninth What is it about? Does it show real case histories? 205 00:15:00.399 --> 00:15:03.120 Oh? Absolutely, Tom, You know that is the main theme of the 206 00:15:03.159 --> 00:15:09.919 movie. It's a real family that you was ready for retirement and they chose 207 00:15:11.120 --> 00:15:15.440 to basically give up their pension, which is a guaranteed income for life, 208 00:15:16.120 --> 00:15:18.759 and put the money into a four oh one k. So when they got 209 00:15:18.799 --> 00:15:24.200 ready to retire, the market was down and they could not retire. That 210 00:15:24.360 --> 00:15:28.200 is the theme of the movie. And you have government officials talken about this. 211 00:15:28.840 --> 00:15:33.159 It's a dilemma and the fact that the title of the movie is the 212 00:15:33.279 --> 00:15:39.759 baby boomer dilemma. We're all facing fear at this point as to whether or 213 00:15:39.840 --> 00:15:43.440 not we're going to have enough money to retire, or whether the money that 214 00:15:43.519 --> 00:15:48.399 we have saved for retirement is going to be there when we do retire or 215 00:15:48.480 --> 00:15:52.240 last as long as we will. That is a fear that most people have. 216 00:15:52.879 --> 00:15:56.000 So I if I had to summarize the movie Tom Who, would be 217 00:15:56.039 --> 00:16:06.039 two words guarantees, guarantees and security, And that's what people want to they 218 00:16:06.559 --> 00:16:08.360 I agree with you. The stock market has done well in the past, 219 00:16:08.759 --> 00:16:11.279 but it doesn't mean that it is going to continue to do us well in 220 00:16:11.320 --> 00:16:15.360 the future. Nobody has a crystal ball these ways. Well, even if 221 00:16:15.360 --> 00:16:21.120 it does, as I said there, it's never ever gone up and never 222 00:16:21.200 --> 00:16:25.919 down. So it's this window you have to catch, and that's a gamble. 223 00:16:26.279 --> 00:16:30.039 That's like catching the roulette wheel. I'm not saying it won't work. 224 00:16:30.080 --> 00:16:33.919 I'm saying that unless you have the horizon to absorb the losses and recover, 225 00:16:34.559 --> 00:16:38.279 you need something well. And there's nothing wrong with some private funds being in 226 00:16:38.279 --> 00:16:41.919 the stock market. And then you make that part of your portfolio, but 227 00:16:42.120 --> 00:16:47.360 certainly not for retirement. And anyway, anyway, we'll talk more about that. 228 00:16:47.399 --> 00:16:52.559 But I want to go to the phones because Bennett has some questions here 229 00:16:52.600 --> 00:17:00.879 real quick, Bennett, go ahead, Bennett, Yeah, Tom, I'll 230 00:17:00.879 --> 00:17:04.440 say, yeah, two questions, Go ahead, sir. I took my 231 00:17:04.519 --> 00:17:08.039 dog into the vet because he was kind of choking. We thought maybe he 232 00:17:08.079 --> 00:17:14.519 had something stuck in him. They did an X ray and they spent maybe 233 00:17:14.799 --> 00:17:19.160 a total of fifteen minutes with him, and our bill was nine hundred bucks. 234 00:17:19.519 --> 00:17:25.400 You know, this is the old dilemma. In fact, I'll venture 235 00:17:25.440 --> 00:17:29.480 to say this is a dilemma that people have all the time. I'll bet 236 00:17:29.559 --> 00:17:34.319 you that companies, home services companies like fix At twenty four to seven has 237 00:17:34.359 --> 00:17:40.599 this dilemma, and that is this, no matter what they do and what 238 00:17:40.720 --> 00:17:45.839 benefit a homeowners gets, they compare the price to the time spent. Isn't 239 00:17:45.839 --> 00:17:48.680 that true, George? Don't you find that true? One hundred percent time 240 00:17:48.759 --> 00:17:52.400 is value. Yeah, but it is true though. Also, and I'm 241 00:17:52.400 --> 00:17:56.160 not saying you do this because I mean I've not seen you rush through anything, 242 00:17:56.400 --> 00:17:59.559 but you guys, did my furnace. You didn't take a long time, 243 00:17:59.640 --> 00:18:03.160 and it is perfect and it's a new furnace. Right. So the 244 00:18:03.279 --> 00:18:10.000 point is it's not always fair. Time is not always an indicator of value, 245 00:18:10.039 --> 00:18:11.640 not always. Now, with cleaning the furnace, it is. No 246 00:18:11.720 --> 00:18:15.680 one can clean the furnace in fifteen minutes, no one. I don't care 247 00:18:15.680 --> 00:18:18.359 what you do, right, all right? So when is time value? 248 00:18:18.359 --> 00:18:22.079 When is it not? It's when it depends on what's accomplished, right, 249 00:18:22.920 --> 00:18:26.880 your perceptions, your reality. So if a guy was there x amount of 250 00:18:26.920 --> 00:18:32.480 time and even if you're not sure exactly what he did, and charges you 251 00:18:33.319 --> 00:18:37.759 eight hundred dollars, even if he's there, quick replace the part, fixed 252 00:18:37.759 --> 00:18:41.519 your system whatever, one thousand dollars. You know, you come home and 253 00:18:41.559 --> 00:18:44.119 you don't feel there, and you find out he was only there, right, 254 00:18:44.160 --> 00:18:45.920 you know, thirty minutes and one thousand dollars, even though you might 255 00:18:45.960 --> 00:18:51.279 not know you weren't there. But that's all you know that the part might 256 00:18:51.279 --> 00:18:55.640 have cost the company five hundred bucks. I know. So here's what I 257 00:18:55.640 --> 00:19:00.200 want to know, Bennett. What did they do for that time? They 258 00:19:00.200 --> 00:19:04.599 did? They drew blood and they also took an X ray. Okay, 259 00:19:06.200 --> 00:19:10.960 X rays and blood, but the entire time spent was how long? Fifteen? 260 00:19:11.039 --> 00:19:12.920 Tom, I would say maybe an hour and a half at tops. 261 00:19:14.319 --> 00:19:17.359 Oh I thought you I thought you said a few minutes in the beginning. 262 00:19:17.480 --> 00:19:21.319 No, no, no, like you said, they had the dog for 263 00:19:21.359 --> 00:19:23.880 like fifteen minutes of that hour and a half and we were holding him until 264 00:19:23.920 --> 00:19:27.920 they came home with the results. Oh okay, but what was the hour 265 00:19:27.960 --> 00:19:33.519 and a half that the diagnostics and everything right, just waiting, that's correct, 266 00:19:33.599 --> 00:19:37.240 Tom, okay, okay, But the actual dog was in their possession 267 00:19:37.279 --> 00:19:41.200 for fifteen minutes for the blood and the X rays approximately, that's right. 268 00:19:41.680 --> 00:19:45.440 And then they gave you a consultation. And what did you find out from 269 00:19:45.519 --> 00:19:48.880 the blood and the x ray? Well, they said the dog is healthy 270 00:19:48.920 --> 00:19:53.079 and they're not sure why he was choking, but he may have had something 271 00:19:53.119 --> 00:19:59.519 in his stomach and he regurgitated it on the way to the hospital. And 272 00:19:59.559 --> 00:20:03.519 what else? Anything else? No, that was it, tom? Okay. 273 00:20:03.559 --> 00:20:08.279 And the bill was a total of nine Yeah, it sounds steep to 274 00:20:08.319 --> 00:20:12.440 me. But x rays. You know, first you got the doctor, 275 00:20:12.640 --> 00:20:15.920 you got the x rays, you got the blood work. I mean, 276 00:20:17.759 --> 00:20:19.720 I know for people, blood work shouldn't be more than three hundred bucks. 277 00:20:19.759 --> 00:20:25.319 I mean, so for a normal blood work. Uh. And so let's 278 00:20:25.319 --> 00:20:29.319 say three hundred, and then X rays three or four hundred. So now 279 00:20:29.319 --> 00:20:34.119 we're up to let's say seven hundred. Now you're at seven hundred, and 280 00:20:36.720 --> 00:20:38.079 you know they're a couple hundred for the doctor. I mean, I don't 281 00:20:38.079 --> 00:20:42.759 know for the visit. I again, Bennett, it's something that really people 282 00:20:42.880 --> 00:20:48.599 always think about afterwards. But were you asking if you have any recourse? 283 00:20:48.680 --> 00:20:52.000 Because my answer would be no, no, no, Tom, I'm not. 284 00:20:52.079 --> 00:20:55.160 I just want to know if I got taken advantage of well, who 285 00:20:55.240 --> 00:20:57.279 knows? Who knows? Bennett? That I really don't. Honest to God, 286 00:20:57.319 --> 00:21:02.119 I don't know. Just like when people call me about HVAC companies or 287 00:21:02.160 --> 00:21:07.759 plumbers or electricians or auto mechanics, we don't know, based only on time. 288 00:21:08.519 --> 00:21:12.880 Again, it depends on I don't know. So anyway, what is 289 00:21:12.920 --> 00:21:18.400 your trust fund issue? The only question I have on that, Tom, 290 00:21:18.960 --> 00:21:22.480 I've got a trust that send my son and daughter in law's name. Now 291 00:21:22.559 --> 00:21:26.279 is it your trust? My trust? Uh? Huh? And you put 292 00:21:26.400 --> 00:21:30.839 money or homes or property in it for your kids? That is correct? 293 00:21:32.079 --> 00:21:36.319 Is it revocable or non revocable? Non revocable? Okay, so what's your 294 00:21:36.400 --> 00:21:41.599 question. My question is when I pass away, would he assume the same 295 00:21:41.920 --> 00:21:48.319 house payment I have now or not? Okay, the trust is a person. 296 00:21:48.160 --> 00:21:56.160 When you transferred the house to the trust and the mortgage they accepted it, 297 00:21:56.960 --> 00:22:02.920 your payments are due from the trust to the mortgage company when you die, 298 00:22:03.039 --> 00:22:07.240 and the trustees shall take it over. There's a due on death clause 299 00:22:07.640 --> 00:22:12.200 or due on sale clause in most mortgages. However, most of the time, 300 00:22:12.839 --> 00:22:19.599 if a trust inherits the house along with the loan, they will let 301 00:22:19.640 --> 00:22:25.640 it go. But they don't have to, just so you know. It 302 00:22:25.720 --> 00:22:33.079 depends on how your mortgage is written. Sometimes they can exercise a due on 303 00:22:33.200 --> 00:22:37.160 sale, and in fact, to get an absolute answer, you can listen. 304 00:22:37.240 --> 00:22:40.559 You don't have to hang. I'm going to ask one of our attorneys, 305 00:22:40.599 --> 00:22:47.720 either Kielan Park they're a state planning attorneys, or we'll talk to Dan 306 00:22:47.799 --> 00:22:52.000 McKenzie. So hold on, but on that. Normally the house is in 307 00:22:52.119 --> 00:22:56.759 the trust name and the bank will let it ride, but not probably for 308 00:22:56.839 --> 00:23:02.640 the entire duration of the loan, because I don't know how your trust is 309 00:23:02.640 --> 00:23:06.519 written, but usually the trust is written just to get past death. Then 310 00:23:06.559 --> 00:23:10.720 the trustee takes the home out of the trust and gives it to the intended 311 00:23:10.759 --> 00:23:15.279 heir. Is that what's going to happen? I believe so well, you 312 00:23:15.319 --> 00:23:19.440 should know, since it's your trust been and you should find out because the 313 00:23:19.519 --> 00:23:26.000 only time you leave stuff in a trust for after you die for the rest 314 00:23:26.039 --> 00:23:30.640 of your heirs lives. The only reason you do that is you don't trust 315 00:23:30.640 --> 00:23:36.559 your heirs, or they are special needs and or you don't trust them they're 316 00:23:36.599 --> 00:23:40.880 gambling or drug addiction, or they're just stupid. So what you do is 317 00:23:40.920 --> 00:23:44.759 the trust has terms and conditions they have to live by over the next twenty 318 00:23:44.799 --> 00:23:48.960 or thirty years. That's but almost never does that apply to a house. 319 00:23:49.559 --> 00:23:56.880 That usually just applies to cash and stocks and investments. So again, a 320 00:23:56.920 --> 00:23:59.960 lot has to do with the terms of the trust and the terms of your 321 00:24:00.119 --> 00:24:03.519 mortgage. But I can ask our attorney what generally goes on? Hang on 322 00:24:03.640 --> 00:24:07.640 three oh three, seven to one to three talks seven one, three, 323 00:24:07.759 --> 00:24:11.400 eight, two five five. Got a lot going on here. One of 324 00:24:11.440 --> 00:24:14.559 the things I want to tell you about is part of that is to get 325 00:24:14.559 --> 00:24:17.480 a market analysis. If you're home, if you are thinking about selling it, 326 00:24:17.799 --> 00:24:19.319 and you get that free of charge. Now it's not an appraisal. 327 00:24:19.359 --> 00:24:22.839 It's actually more important in my opinion, it's what your house will sell for. 328 00:24:23.400 --> 00:24:29.200 Frank puts us thirty years of knowledge to work to consider all the factors. 329 00:24:29.200 --> 00:24:32.880 Frank durand the real estate man dot com to give you figure, no 330 00:24:33.039 --> 00:24:41.720 obligation ever to list three oh three nine to zero sixteen twenty two. Go 331 00:24:41.880 --> 00:24:47.119 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 332 00:24:47.119 --> 00:24:52.920 a cent until you're content. Time for an insurance check up free, no 333 00:24:53.000 --> 00:24:57.920 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 334 00:24:57.920 --> 00:25:02.599 of insurance companies find out now three all three seven seven to one help. 335 00:25:02.759 --> 00:25:06.599 You'll think you're his only customer when you choose Frank durand the real estate Man 336 00:25:06.640 --> 00:25:11.079 dot com to list your home with Remax Alliance three all three nine two zero 337 00:25:11.240 --> 00:25:22.480 sixteen twenty two. Tom Martino Here, by the way, in the last 338 00:25:22.519 --> 00:25:30.359 Tesla update, they did a self driving a trial for everyone. What do 339 00:25:30.400 --> 00:25:33.079 they call it market it's but it's usually an add on. But during the 340 00:25:33.200 --> 00:25:37.200 update, like my son called me and said, Dad, I updated my 341 00:25:37.240 --> 00:25:40.559 car last night. Now I have full self driving mode. Did you buy 342 00:25:40.599 --> 00:25:41.640 that for me? I said, hell no, and I'm not going to 343 00:25:42.039 --> 00:25:45.839 And I said, you better make sure you didn't click it and buy it 344 00:25:45.319 --> 00:25:48.880 because it's like a fifteen thousand here's the deal man, in all honesty, 345 00:25:48.880 --> 00:25:52.160 if you buy it with the car. I don't know how much it is 346 00:25:52.200 --> 00:25:55.039 on the Model three, but the one I have it was it was like 347 00:25:55.079 --> 00:25:57.640 fifteen grand. But you can spend. And this is a good question. 348 00:25:59.119 --> 00:26:03.359 Would you pay a one hundred and ninety nine bucks a month for that service? 349 00:26:03.759 --> 00:26:07.119 I'm probably gonna do it. I'm going to go through my thirty days. 350 00:26:07.319 --> 00:26:11.559 But it's incredible. Man. Now, Vonnie says, it stops at 351 00:26:11.920 --> 00:26:18.640 traffic lights, makes turns, uses turn signals, passes cars. It navigates 352 00:26:18.960 --> 00:26:22.359 to wherever you're going to wherever you're going. Now, if you put in 353 00:26:22.400 --> 00:26:26.799 it something, it doesn't do mark like I said, stop signs. Does 354 00:26:26.839 --> 00:26:29.240 it stop at a stop sign? My god, yes, it doesn't. 355 00:26:29.319 --> 00:26:32.640 Even it doesn't mess around either. You know what's funny. When you're coming 356 00:26:32.640 --> 00:26:36.839 out, Let's say you're coming out onto like Parker Road from a side street, 357 00:26:36.920 --> 00:26:40.319 a busy road with lights and stuff. It actually comes to a full 358 00:26:40.359 --> 00:26:44.279 stop at a stop sign, and then it's almost like a human looking both 359 00:26:44.319 --> 00:26:48.160 ways. It creeps up a little and then creeps up a little more, 360 00:26:48.440 --> 00:26:52.640 and it's reading cars from what seems to be one hundred yards in every direction, 361 00:26:53.039 --> 00:26:56.759 and then makes the turn. It's it's okay, it's great. What 362 00:26:56.880 --> 00:27:00.960 about this. I'm wondering a four way stop up because I'm gonna tell you, 363 00:27:02.039 --> 00:27:04.440 it knows, it knows, it knows who went last, and it's 364 00:27:04.480 --> 00:27:07.440 turn in line. I don't think it. I know it does, but 365 00:27:07.640 --> 00:27:12.000 that's not the problem. Most other people don't know. And that's what pisses 366 00:27:12.039 --> 00:27:17.519 me off about four way stops. I can't tell you how many freaking times 367 00:27:17.920 --> 00:27:22.119 I go to a stop tressel as soon and that won't happen. Oh my 368 00:27:22.279 --> 00:27:26.319 god. I go up to a stop sign and it's pretty clear I was 369 00:27:26.359 --> 00:27:30.440 there first, pretty damn clear, and they just flash and beep and think 370 00:27:32.400 --> 00:27:34.480 I have a nicer car. I don't know what the hell they're thinking, 371 00:27:34.559 --> 00:27:38.319 but they go right through. It's probably in the other So the self driving, 372 00:27:38.359 --> 00:27:41.880 though real quick in a in a situation like that, or even pulling 373 00:27:41.920 --> 00:27:48.160 out onto a busy road, it's a little too safe that I don't want 374 00:27:48.200 --> 00:27:51.759 to Yeah, I know, I know, especially like you said, stopping 375 00:27:51.799 --> 00:27:53.839 to a full stop. Some people get pissed off when you do that. 376 00:27:55.240 --> 00:27:56.759 Yeah, but you won't get a ticket. I mean really, I know 377 00:27:56.799 --> 00:28:00.759 that. I know I'm saying. But those four way stops people, by 378 00:28:00.799 --> 00:28:06.200 the way, what happens. This is something no one knows and I know, 379 00:28:06.279 --> 00:28:08.400 but they don't know. When you come up exactly at the same time 380 00:28:08.519 --> 00:28:11.240 or so close, you can't tell who goes first. Do you know who 381 00:28:11.279 --> 00:28:15.359 goes first? No matter where you are, who goes first? If you 382 00:28:15.359 --> 00:28:18.759 come up at the same time, well, you should always go after the 383 00:28:18.799 --> 00:28:22.279 person on the left, right or on the person to the right has priority. 384 00:28:22.400 --> 00:28:26.880 Yeah. So if you pull up and someone opposite you come in the 385 00:28:26.880 --> 00:28:30.000 opposite direction pulls up, who's on the right side, that's the one, 386 00:28:30.319 --> 00:28:36.720 and it technically goes it goes counterclockwise almost time I forget there at the same 387 00:28:36.839 --> 00:28:38.839 time. I mean, that's a little crazy. And by the way, 388 00:28:38.880 --> 00:28:44.160 it wouldn't matter if you're not turning. But it's weird. It's so weird 389 00:28:44.599 --> 00:28:49.079 when when you come to four way stops. That's why I like those uh 390 00:28:49.359 --> 00:28:53.079 what do they call them? The round things? This is truly though it's 391 00:28:53.079 --> 00:28:56.880 a game change roundabouts. I've never seen anything like it. You know, 392 00:28:57.039 --> 00:29:00.079 people are sorry for the way in, Gee, what's going on with your 393 00:29:00.079 --> 00:29:06.920 refrigerator? Let me guess it's a Samsung. It's not a sam Sung at 394 00:29:07.000 --> 00:29:11.319 the Ken actually yeah, Ken Moore, Yeah, that's a dinosaur. How 395 00:29:11.359 --> 00:29:17.359 old is it? Well, it's only when it cropped out. It was 396 00:29:17.400 --> 00:29:25.400 sixteen months old. Oh my god, eighteen months old. Well on New 397 00:29:25.480 --> 00:29:30.200 Year's weekends? Okay, so what happened? So it just stopped keeping food 398 00:29:30.279 --> 00:29:37.559 cold on New Year's obviously it was a you know, a holiday weekend. 399 00:29:37.680 --> 00:29:41.039 So the day after New Year's, on the second, I submitted a claim 400 00:29:41.079 --> 00:29:45.440 because we purchased it in September of twenty two. I also it was under 401 00:29:45.559 --> 00:29:49.279 how many of year warranty is it? It was still under I purchased an 402 00:29:49.279 --> 00:29:55.559 extended warranty for it. So it stopped working. It stopped working in twenty 403 00:29:55.599 --> 00:30:00.359 three, but you had an extended warranty. Yeah, it stopped working twenty 404 00:30:00.359 --> 00:30:03.640 four. Oh in twenty four. Oh yeah, you just said that, 405 00:30:03.640 --> 00:30:06.759 that's right, just a few months ago. So what happened then? So 406 00:30:07.160 --> 00:30:14.519 I untacted the warranty company, who then opened up a claim. Evidently Ken 407 00:30:14.559 --> 00:30:19.759 Moore has been bought out a couple of different times by different because Sears is 408 00:30:19.799 --> 00:30:23.680 the you know, you know, yeah, they were I've learned a lot 409 00:30:23.720 --> 00:30:32.839 about refrigerators. So between the warranty company and the company that was contracted to 410 00:30:32.920 --> 00:30:37.400 come and do the actual repairs, evidently it's really hard to get parts for 411 00:30:37.599 --> 00:30:42.039 this refrigerator. Yeah. So the problem is the communication piece though, between 412 00:30:42.920 --> 00:30:47.720 all of the parts. So there's me, there's the warranty company, there's 413 00:30:47.759 --> 00:30:51.119 the right, there's the owners, the owners and they and the suppliers. 414 00:30:51.240 --> 00:30:55.000 I want to know something though, other than this problem you had, is 415 00:30:55.000 --> 00:31:00.319 it? Did you like the refrigerator? It's pretty nice if it would work 416 00:31:00.480 --> 00:31:06.279 properly? Is it laid out nice? Inside? It is? Okay? 417 00:31:06.519 --> 00:31:10.119 So where does it stand today? Did they ever fix it? No? 418 00:31:10.279 --> 00:31:18.240 So where it stands today is on last Friday? And how long has it 419 00:31:18.240 --> 00:31:21.279 been came out? How long has it been down? Total? Oh? 420 00:31:21.799 --> 00:31:26.400 Since since New Year's I have not had a working refrigerator at all. It 421 00:31:26.440 --> 00:31:27.839 was okay, so when you said this year, okay, so it was 422 00:31:27.880 --> 00:31:32.640 New Year's since. So here's what I want to know. What the hell 423 00:31:32.720 --> 00:31:34.680 is going on with food? What are you doing about it? Well, 424 00:31:34.680 --> 00:31:38.000 this is the problem. So we have a cooler outside which was working a 425 00:31:38.039 --> 00:31:41.119 little bit better in the winter months. Now that it's getting warmer, it's 426 00:31:41.240 --> 00:31:45.960 really twicky. It's hard to keep the food cold. It's hard to So 427 00:31:45.960 --> 00:31:48.400 why aren't they fixing it? Are they still claiming they have a problem with 428 00:31:49.119 --> 00:31:55.519 parts? Well they so they came out last Friday for the gagilion's time and 429 00:31:55.559 --> 00:31:59.240 said they don't know. They did replace the part that was hard to find 430 00:31:59.319 --> 00:32:02.000 and hard to get it. That's why you know it's been So is it 431 00:32:02.039 --> 00:32:06.880 fixed now? Is it fixed? No? Nope, it's why fix why? 432 00:32:07.000 --> 00:32:09.799 And they said that it's not They don't know why. But now it's 433 00:32:09.839 --> 00:32:14.759 to the point where they should be getting me some kind of reimbursement, but 434 00:32:14.839 --> 00:32:20.039 no one is communicating with me. So I can't get anybody on the phone 435 00:32:20.079 --> 00:32:24.839 from the warranty company. The repair company is what does the warranty say? 436 00:32:24.920 --> 00:32:30.720 What does the warranty say? Has that if it's not repairable then a replacement 437 00:32:31.559 --> 00:32:37.680 will be given. Either replacement or the cost of the refrigerator will be provided. 438 00:32:37.880 --> 00:32:40.559 It's time to sue them. Yeah, that's right, Yeah, you'll 439 00:32:40.559 --> 00:32:44.480 get a new one. Yeah, I'll get a new one, but then 440 00:32:44.480 --> 00:32:45.759 it's probably going to cost me more money. And no, no, we're 441 00:32:45.759 --> 00:32:51.720 talking about small claims court. How much did that cost you the refrigerator? 442 00:32:52.039 --> 00:32:55.880 Yeah, we spent like twelve hundred dollars. You know what, that's a 443 00:32:55.920 --> 00:33:00.880 small claim. Now it might be. I mean, I'm not saying we're 444 00:33:00.880 --> 00:33:04.400 not just gonna say go do that, but I would start the process, 445 00:33:05.039 --> 00:33:07.480 find the registered agent blah blah blah, and not the warranty company. I 446 00:33:07.480 --> 00:33:12.839 would sue the uh maker. But here's what I want to do, Okay, 447 00:33:13.000 --> 00:33:20.960 I want go with a sure thing Denver's Best roofer Excel Roofing dot com. 448 00:33:21.000 --> 00:33:27.839 You don't pay a cent until you're content. Time for an insurance checkup 449 00:33:27.880 --> 00:33:31.279 free, no obligation. In comparison, call Compass Insurance paying too much your 450 00:33:31.319 --> 00:33:36.400 coverage at dozens of insurance companies find out now three all three seven seven to 451 00:33:36.440 --> 00:33:39.200 one help. You'll think you're his only customer when you choose Frank durand the 452 00:33:39.240 --> 00:33:44.759 real estate Man dot com to list your home with Remax Alliance three all three 453 00:33:44.880 --> 00:33:49.359 nine two zero sixteen twenty two. Hi Tom Mars, you know here? 454 00:33:49.440 --> 00:33:52.200 Three oh three seven one three talks seven one three eight two five five. 455 00:33:53.599 --> 00:33:58.480 And she has a problem with a refrigerator. Let's give it to uh Deputy 456 00:33:58.680 --> 00:34:05.960 Dollar and let's figure out what we can do. We'll call over there and 457 00:34:06.079 --> 00:34:10.960 basically pressure him to do the replacement. So go to uh is did Mark 458 00:34:12.000 --> 00:34:15.079 hang up? Mark hung up? Okay, if he didn't, we'll take 459 00:34:15.159 --> 00:34:19.519 him next, Deputy Chopper. I'm sorry Ed didn't get to you. I 460 00:34:19.599 --> 00:34:23.119 will get to you right after the break here three O three seven one three 461 00:34:23.199 --> 00:34:28.840 talks seven one three eight two five five. We also have my Moneymway dot 462 00:34:28.880 --> 00:34:30.480 com in the house. We have a couple of questions for him and for 463 00:34:30.559 --> 00:34:34.760 fix at twenty four to seven, So stay tuned. I'm a troubleshooter show 464 00:34:39.199 --> 00:34:44.480 go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 465 00:34:44.519 --> 00:34:51.360 pay a cent until you're content. Time for an insurance check up free, 466 00:34:51.440 --> 00:34:55.079 no obligation. In comparison, call Compass Insurance paying too much your coverage at 467 00:34:55.119 --> 00:34:59.760 dozens of insurance companies find out now three all three seven seven to one. 468 00:34:59.840 --> 00:35:02.920 He you'll think you're his only customer when you choose Frank durand the Real estate 469 00:35:02.960 --> 00:35:07.400 Man dot com to list your home with Remax Alliance three all three nine two 470 00:35:07.480 --> 00:35:19.960 zero sixteen twenty two. Yeah, ripped up new need. That's so you 471 00:35:20.119 --> 00:35:27.719 don't have you come running just as fast as we can. Shooter's gonna help 472 00:35:28.000 --> 00:35:36.800 come. This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino 473 00:35:36.880 --> 00:35:39.360 here three all three seven one three talk seven one three eight two five five. 474 00:35:39.440 --> 00:35:45.760 Welcome to the show. Denver Region dot com. Somebody asked what I 475 00:35:45.840 --> 00:35:50.679 meant by the sugar diabetes, and here's what I mean, Regen. They 476 00:35:50.760 --> 00:35:54.239 have the same drug, the compounded form of semiglue tide that use for diabetes, 477 00:35:54.519 --> 00:35:58.480 but they use it for weight loss just like everyone's doing. Are a 478 00:35:58.559 --> 00:36:00.000 lot of people are doing. And they offer it for two to fifty a 479 00:36:00.119 --> 00:36:06.079 month. Here's what I want to tell you that too fifty a month being 480 00:36:06.199 --> 00:36:10.400 offered is can also be used for diabetes. So you can save money if 481 00:36:10.440 --> 00:36:15.320 you're a diabetic even and you're paying for that or cope or whatever, because 482 00:36:15.320 --> 00:36:19.119 the cope on twelve or fifteen hundred could be a lot of money. Denverregen 483 00:36:19.280 --> 00:36:24.559 dot com for weight loss or diabetes. Now I want to talk to Mark. 484 00:36:24.599 --> 00:36:28.960 He has a question on Tesla's Mark, welcome to the show. What's 485 00:36:29.000 --> 00:36:35.239 going on? Actually I have two questions not related at all of it. 486 00:36:36.280 --> 00:36:39.719 I wanted to ask about them. Tesla's how do they react to cones like 487 00:36:39.840 --> 00:36:43.880 traffic cones? We did it yesterday, man. In fact, I did 488 00:36:43.920 --> 00:36:47.039 a video I'm gonna post yesterday. So in castle Rock right now, if 489 00:36:47.079 --> 00:36:52.000 you head from Castle Rock to Franktown, the amount of the amount of cones 490 00:36:52.280 --> 00:36:55.440 is crazy. And the reason is they bill to McDonald's error at whatever that 491 00:36:55.599 --> 00:37:00.119 intersection found yes spotters in eighty six. Man, there's no road lines. 492 00:37:00.199 --> 00:37:04.840 It's all cones. It's like Vietnam. Man, it's crazy. It's crazy. 493 00:37:04.880 --> 00:37:07.480 It's like Thunderdomb. The car just went right through it. It sees 494 00:37:07.559 --> 00:37:12.360 all the cones, it sees the workers, it sees other cars. It's 495 00:37:12.440 --> 00:37:16.400 incredible. It doesn't automatically slow you down. Oh it'll slow you down. 496 00:37:16.519 --> 00:37:20.639 Hell yeah, it'll slow you down if it sees a deer. People that 497 00:37:20.719 --> 00:37:23.360 don't have a Tesla and or don't live out in the country. When we're 498 00:37:23.440 --> 00:37:28.599 going into our house, deer everywhere. It shows you deer, it shows 499 00:37:28.679 --> 00:37:31.400 you humans. It knows what it is. It knows if it's an animal 500 00:37:31.719 --> 00:37:37.159 or a person, or a truck or a semi It knows everything, what 501 00:37:37.360 --> 00:37:39.159 kind of cone it is, what kind of sign it is, like a 502 00:37:39.320 --> 00:37:44.159 yield or a merge or a stop sign. It's smarter than most people, 503 00:37:44.239 --> 00:37:47.000 to be quite honest. The reason I was asking is, I'm going to 504 00:37:47.039 --> 00:37:52.599 put a cone on the back of my trailer I'm a truck or and try 505 00:37:52.639 --> 00:37:55.480 to keep them from passing me because I wanted to hit the brake. So 506 00:37:55.639 --> 00:37:59.880 what they always do is run around me and then get in front of me 507 00:38:00.000 --> 00:38:02.039 and slow down. Yeah, that's jerky move. I get it. Man. 508 00:38:04.079 --> 00:38:06.519 Here's a good news, though, Bro, here's the good news. 509 00:38:06.679 --> 00:38:09.360 If someone like that's on autopilot, that car won't do it. Man, 510 00:38:09.639 --> 00:38:14.360 that car will respect the road. Like I said, more than most humans. 511 00:38:15.599 --> 00:38:17.760 Mark, that's amazing. Did you say you had another issue or was 512 00:38:17.800 --> 00:38:23.440 that it? I just wanted to know what what would you guys do with 513 00:38:23.559 --> 00:38:29.000 this billion dollar lottery? How would you take it cash or payoff? I 514 00:38:29.039 --> 00:38:32.199 would well, if you take it in cash, of course, no matter 515 00:38:32.239 --> 00:38:36.000 how you take it, you're gonna pay taxes. Cash is way better. 516 00:38:36.119 --> 00:38:40.639 Everybody is analyzis just with normal, decent, average investing, you'll make more 517 00:38:40.679 --> 00:38:45.639 off of roughly that fifty percent of that cash value. That's the right. 518 00:38:45.840 --> 00:38:49.159 If you take fifty percent. Now, if it is fifty it'll be a 519 00:38:49.199 --> 00:38:51.920 little work. But wait, wait, don't go away, my friend. 520 00:38:52.239 --> 00:38:54.719 Why do you ask? I mean a little less than fifty percent on taxes? 521 00:38:58.400 --> 00:39:01.199 Mark? I wonder if he won the line. I mean, there 522 00:39:01.320 --> 00:39:07.639 wasn't. But anyway you could you could conservatively invest that and never well you 523 00:39:07.679 --> 00:39:10.559 wouldn't even most people could just draw it down. I mean, I'm not 524 00:39:10.639 --> 00:39:15.639 even suggesting you do that, but you could and the but but you could 525 00:39:15.760 --> 00:39:20.719 easily have such an easy time making money on that when you have that amount 526 00:39:20.719 --> 00:39:25.039 of money. Okay, So speaking of money, Joe, somebody wants to 527 00:39:25.119 --> 00:39:30.840 know if they roll over alumsum from a qualified plan to an annuity, is 528 00:39:30.880 --> 00:39:37.280 there a taxable event. No. If it's coming from a qualified account into 529 00:39:37.400 --> 00:39:43.719 an annuity, the annuity has to become a qualified annuity. So that qualifies 530 00:39:43.800 --> 00:39:50.519 for a tax free rollover. It's called a ten thirty five tax free rollover. 531 00:39:51.199 --> 00:39:53.079 Once they do that. Once it's rolled over and they do that, 532 00:39:53.840 --> 00:39:57.840 of course it grows tax free. But they all grow tax free, whether 533 00:39:57.880 --> 00:40:01.719 they're qualified or not. But when they start taking the income out. It's 534 00:40:01.800 --> 00:40:06.519 always taxable, whether qualified or not. It is. It is a list 535 00:40:06.519 --> 00:40:10.199 of qualified account what's the wrath? It's right if I understand that, that's 536 00:40:10.199 --> 00:40:15.320 another good point. What it means another good Normally it will be a percentage 537 00:40:16.360 --> 00:40:21.599 of the growth of the annuity that would be taxable as an income stream. 538 00:40:22.800 --> 00:40:25.920 Okay, thank you very much, and that's my money, myway dot com. 539 00:40:27.519 --> 00:40:30.719 The movie is coming up on the ninth. There. There is limited 540 00:40:30.760 --> 00:40:36.400 seating. You have to get your reservation and will what's going on with you? 541 00:40:36.760 --> 00:40:42.800 Will? So I've been using Rock Heating and Air for about five years. 542 00:40:43.480 --> 00:40:47.000 Been happy with their service. We have to maintain our all of our 543 00:40:47.119 --> 00:40:52.559 HVA system of our home. They come twice a year. They look for 544 00:40:52.719 --> 00:40:54.840 things that might be broken. So you're part of their Like you're part of 545 00:40:54.920 --> 00:40:59.960 these consumer clubs that a lot of these companies do. Right. Yeah, 546 00:41:00.079 --> 00:41:04.880 it's like fifteen bucks a month. Yeah, yeah, I'm part of the 547 00:41:05.880 --> 00:41:09.320 seven plan. So and they come, they come several times for each system, 548 00:41:09.440 --> 00:41:13.079 they come once for each system. But anyway, tell me what's going 549 00:41:13.119 --> 00:41:16.920 on with Rock. So about a month ago, I was getting ready to 550 00:41:16.960 --> 00:41:22.800 go out of town on one evening, our sink backed up and sink and 551 00:41:23.280 --> 00:41:28.440 I took apart the pea trap, couldn't get it unclogged. My dream snake 552 00:41:28.559 --> 00:41:31.239 was in my shop about forty five minutes away. I'm getting on an airplane 553 00:41:31.239 --> 00:41:36.239 at five am. I said, wife, just call Rock Heating and Air. 554 00:41:36.360 --> 00:41:39.599 They'll come tomorrow morning. So do they do plumbing too? Then they 555 00:41:39.679 --> 00:41:44.960 do, Okay, go ahead. What happened? So they show up. 556 00:41:45.239 --> 00:41:49.079 They call me, Yeah, it's clogged. We're going to snak the drain. 557 00:41:49.360 --> 00:41:52.480 I said, fine, go ahead and snake it. My wife calls 558 00:41:52.559 --> 00:41:55.480 me an hour later, says, yeah, everything's working. They put the 559 00:41:55.519 --> 00:42:00.280 pea trap back together, sink straining, and they charged me six hundred dollars 560 00:42:00.360 --> 00:42:07.599 for that. Okay, and you now how clogged was it? How clogged 561 00:42:07.800 --> 00:42:14.239 was it? I mean it definitely wasn't draining. And I know that they 562 00:42:14.400 --> 00:42:19.559 manage it. You know your standard, because there are some companies that offer 563 00:42:19.639 --> 00:42:22.920 specials like Plumbline, for example, will say ninety three or free. They 564 00:42:22.159 --> 00:42:25.840 always say that meaning if they can't clear it, it's free, and then 565 00:42:25.840 --> 00:42:30.320 they give you a diagnosis. And most likely, if they can't clear it, 566 00:42:30.639 --> 00:42:34.320 it's something more expensive and they give you a bit on getting it fixed, 567 00:42:34.639 --> 00:42:36.960 George, how do you guys handle it that fixed at twenty four to 568 00:42:36.960 --> 00:42:39.519 seven? Because now you have your own drain division as well? Right hold 569 00:42:39.920 --> 00:42:44.119 there you go, Yeah we do. So what do you do with a 570 00:42:44.199 --> 00:42:46.400 clogged drain? I mean do you do you buy a service charge and an 571 00:42:46.519 --> 00:42:49.800 estimate? Or how do you do it? Yeah? Same way? I 572 00:42:49.880 --> 00:42:52.199 mean I don't know what was wrong there? I mean, did they tell 573 00:42:52.239 --> 00:42:55.719 you what the issue was? Was it just a standard clear? I mean 574 00:42:55.760 --> 00:43:00.719 that should have been six hundred bucks? Now what was it? It was? 575 00:43:01.079 --> 00:43:07.679 It was twenty two feet they estimated from the sink where they could access, 576 00:43:08.800 --> 00:43:13.760 so they ran a snake twenty two feet in unclogged, you know, 577 00:43:14.079 --> 00:43:16.000 pull the snake back up. How long? How long were they at the 578 00:43:16.039 --> 00:43:20.679 house? I'm curious, Well, Tom, that doesn't matter. Remember, 579 00:43:20.760 --> 00:43:22.760 it doesn't matter how long. No, I'm asking though, out of curiosity. 580 00:43:22.840 --> 00:43:28.599 How long were they there? I want to save forty five minutes? 581 00:43:29.679 --> 00:43:32.559 And what? And another thing? When they did they do a camera as 582 00:43:32.599 --> 00:43:39.159 well? No? No camera? Well, you know I'm telling you the 583 00:43:39.199 --> 00:43:44.000 truth here. Plumbline would have done that for ninety three bucks. So I 584 00:43:44.079 --> 00:43:45.440 mean, you you make up your mind. I don't know, but but 585 00:43:45.519 --> 00:43:49.679 I'm not saying ninety three you have. Here's what And let me just be 586 00:43:49.760 --> 00:43:52.239 honest about all this marketing. Why would plumbline want to do that? Because 587 00:43:52.320 --> 00:43:57.480 if your drain doesn't get clear, they say to you, by the way, 588 00:43:57.519 --> 00:44:00.760 it's free because we couldn't clear it. But that means you have a 589 00:44:00.840 --> 00:44:06.840 serious problem. So what are they hoping for? Obviously they are hoping to 590 00:44:06.920 --> 00:44:09.159 get drain replacements. I mean, you know there's no secret there. They're 591 00:44:09.199 --> 00:44:14.679 not making money on that clearing for ninety three bucks. So George, I 592 00:44:14.719 --> 00:44:16.840 don't know how you guys handled. Do you have any specials for clearing drains 593 00:44:16.920 --> 00:44:20.760 or camera work or anything. Yeah, I mean we do the same thing. 594 00:44:20.840 --> 00:44:22.960 We do it for eighty nine. Now with that said, I don't 595 00:44:23.000 --> 00:44:27.760 know the issues of it. You know, the same with plubline. If 596 00:44:27.840 --> 00:44:31.000 they if you can't clear it, it's not right there for ninety three or 597 00:44:31.119 --> 00:44:36.400 eighty nine, then you give them a choice, which I assume. Yeah, 598 00:44:36.440 --> 00:44:38.760 I'm gonna assume Rock said hey, like it's going to be six hundred 599 00:44:38.760 --> 00:44:43.360 dollars to clear it before they actually charged you six hundred bucks, or they 600 00:44:43.559 --> 00:44:45.400 do that afterward? Did they give you an estimate on that before they did 601 00:44:45.480 --> 00:44:50.800 it. I see, I don't know, because I'm assuming they did. 602 00:44:50.880 --> 00:44:52.760 I'm assuming they said, look, this is how much it's going to be. 603 00:44:54.199 --> 00:44:58.119 It just seemed excessive, and we spent it. Well, okay in 604 00:44:58.199 --> 00:45:01.800 my opinion based on the market, because there is no excess. Well there 605 00:45:01.920 --> 00:45:07.000 is, there is excessive. But what I'm saying is for that drain, 606 00:45:07.360 --> 00:45:12.119 it could be anywhere from like the specials for eighty nine all the way up 607 00:45:12.239 --> 00:45:15.280 to seven or eight hundred, nine hundred dollars like your thousand. I mean, 608 00:45:15.360 --> 00:45:20.280 it depends. Really, they really can charge what they want. I 609 00:45:20.400 --> 00:45:23.440 mean, it just tells you that you have to do your shopping. If 610 00:45:23.480 --> 00:45:28.159 we were part of Georgia's program and he came out and cleared a drain like 611 00:45:28.280 --> 00:45:31.480 that, now let me ask him about that. The Green Bubble Club. 612 00:45:31.920 --> 00:45:36.760 You don't automatically camera drains every year, right, that's not part of the 613 00:45:36.840 --> 00:45:38.960 regular service, right. No, But if they remember, we would have 614 00:45:39.079 --> 00:45:43.320 cameraed that. But here's the thing. If it was twenty two feet away, 615 00:45:43.360 --> 00:45:45.559 you can't clear it yourself. It takes expensive equipment to clear it. 616 00:45:45.639 --> 00:45:49.519 It does for any company. If you have an idea what it would cost 617 00:45:49.639 --> 00:45:51.760 if you went out and did that, it would probably be four to five 618 00:45:51.840 --> 00:45:52.840 hundred, so it probably wouldn't be six hundred. But you know, it's 619 00:45:52.920 --> 00:45:55.760 not that far off. And twenty two feet off. I mean, okay, 620 00:45:58.440 --> 00:46:01.599 I always wanted to know that if they were just way over? Would 621 00:46:01.760 --> 00:46:06.320 anybody else know? You know, listen, And here's another thing. And 622 00:46:06.440 --> 00:46:09.199 I do feel for George and for Bob Logan over at Plumbline and George, 623 00:46:09.199 --> 00:46:13.280 here it fix it, and for all these good companies. And I'll tell 624 00:46:13.280 --> 00:46:17.280 you why nothing is cheap anymore. For God's sakes, nothing is cheap what 625 00:46:17.440 --> 00:46:22.119 they have to pay just to keep labor and trucks on the road. You 626 00:46:22.239 --> 00:46:27.280 know that, man? I mean, But the point is this, whenever 627 00:46:27.360 --> 00:46:30.880 there's a special you take advantage of it. But like I said, this 628 00:46:31.119 --> 00:46:36.199 particular case, did you get ripped off? No? Did you get an 629 00:46:36.480 --> 00:46:40.960 extra good bargain? No? I mean you might want to investigate other kinds 630 00:46:42.000 --> 00:46:45.559 of loyalty clubs and stuff. Do you, for example, do they come 631 00:46:45.639 --> 00:46:49.559 out and do anything with your water heater, or with your electrical panel or 632 00:46:49.599 --> 00:46:54.440 with like do you get full service on each system? Now, they primarily 633 00:46:54.599 --> 00:47:00.800 focus on the furnace and the air conditioner. And to be fair, I 634 00:47:00.920 --> 00:47:06.719 own my own service company, but we do aquariums and I'm a pretty talented 635 00:47:06.800 --> 00:47:09.360 plumber, so I don't have them do You're right, but but it doesn't 636 00:47:09.360 --> 00:47:14.239 matter if you're paying every month, if you're paying every month to be part 637 00:47:14.280 --> 00:47:15.880 of a loyalty club, you should get the most you can get. Now, 638 00:47:15.920 --> 00:47:19.280 George, what were you gonna say? Well, I was gonna ask 639 00:47:19.320 --> 00:47:21.840 on the furnace and air conditioner? Do do you do you see them? 640 00:47:21.880 --> 00:47:24.599 Do they actually take it apart the blower motor out, actually clean it like 641 00:47:24.679 --> 00:47:28.559 it looks basically like once a year? Once a year, do they come 642 00:47:28.639 --> 00:47:31.599 and clean it? Oh? Yeah, they they spend a solid hour to 643 00:47:31.679 --> 00:47:37.119 try to find stuff to fix, right, that's yeah, that's what everybody. 644 00:47:37.159 --> 00:47:38.159 No, No, I'm not talking about that. That's what everybody does. 645 00:47:38.239 --> 00:47:45.039 Do they service it once a year? Yes? Well, most people 646 00:47:45.119 --> 00:47:46.760 want to find stuff to fix, not actually clean it. Now, what 647 00:47:46.960 --> 00:47:51.519 about and cleaning is important? By when we say cleaning, we're not just 648 00:47:51.559 --> 00:47:53.880 talking about a vacuum in the box. Okay, do they flush your water 649 00:47:53.960 --> 00:48:00.880 heater? No? Because I do that. So why are you parked? 650 00:48:00.960 --> 00:48:05.280 May I ask? Why you're bothering to be part of a loyalty club because 651 00:48:05.280 --> 00:48:10.360 you're not getting anything? Yeah, because I don't know anything about EACHDAC and 652 00:48:10.480 --> 00:48:16.159 I don't know. Yeah, but you can get Okay, then then it's 653 00:48:16.320 --> 00:48:21.079 cheaper for you to have a one time service, come out once a year, 654 00:48:21.360 --> 00:48:24.239 then pay every single month. I don't even get it. I don't 655 00:48:24.280 --> 00:48:28.559 get it. It's only fifteen bucks a month though, Okay, do the 656 00:48:28.639 --> 00:48:32.559 math, do the math, and and so so. Tell me what you're 657 00:48:32.599 --> 00:48:37.440 getting for fifteen bucks a month? What are you getting? Well, what 658 00:48:37.559 --> 00:48:42.239 are you actually getting for one hundred and eighty bucks? What are you getting? 659 00:48:42.840 --> 00:48:45.320 If we came out once a year and you weren't a member, we 660 00:48:45.360 --> 00:48:47.280 would charge you one thirty nine to do what we do. Our normal price 661 00:48:47.360 --> 00:48:51.159 is actually, if you're not a first time client like i'd be, if 662 00:48:51.280 --> 00:48:53.360 we'd do it for thirty nine the first time. But then even if you 663 00:48:53.440 --> 00:48:57.079 weren't a member, we would do it for one thirty nine a year, 664 00:48:58.159 --> 00:49:00.960 but we would actually clean it and guarantee your system wind break down this monell. 665 00:49:01.000 --> 00:49:04.360 What I'm saying is the summer. What I'm saying is is all they're 666 00:49:04.400 --> 00:49:07.199 doing is cleaning and checking your furnace once a year, and I doubt they're 667 00:49:07.199 --> 00:49:09.480 cleaning it. But if they do, you can get that for one hundred 668 00:49:09.480 --> 00:49:13.239 and thirty nine dollars. So much so you're paying a little more one hundred 669 00:49:13.239 --> 00:49:15.239 and eighty one hundred and eighty something. But what are you getting in addition 670 00:49:15.320 --> 00:49:19.760 to that? I just don't see the math. But it's okay. I 671 00:49:19.840 --> 00:49:22.960 mean, you called and we answered your question. Three o three seven to 672 00:49:22.960 --> 00:49:25.119 one three talks seven one three eight two five five more coming right up. 673 00:49:29.679 --> 00:49:32.960 Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 674 00:49:32.960 --> 00:49:39.760 pay a cent until you're content. Time for an insurance check up free, 675 00:49:39.880 --> 00:49:45.519 no obligation. In comparison, call Compass Insurance paying too much your coverage at 676 00:49:45.559 --> 00:49:49.239 dozens of insurance companies find out now three oh three seven to seven to one 677 00:49:49.400 --> 00:49:52.039 help. You'll think you're his only customer when you choose Frank durand the real 678 00:49:52.119 --> 00:49:57.679 estate Man dot com to list your home with Remax Alliance three oh three nine 679 00:49:57.719 --> 00:50:04.239 two zero sixteen twenty two. Hey, I'm Tom Martino. You're troubleshooter. 680 00:50:04.320 --> 00:50:07.119 Three oh three seven one three Talks seven one three eight two five to five. 681 00:50:07.800 --> 00:50:12.199 I got my moneymway dot com in the house Joe Piano. He's promoting 682 00:50:12.239 --> 00:50:15.400 the movie event on the ninth, which will be the baby Boomer Dilemma. 683 00:50:15.519 --> 00:50:20.760 It's a docudrama and by the way, it's all true and it's not a 684 00:50:20.840 --> 00:50:24.239 sales job. It'll teach you a lot about retirement. Find out more of 685 00:50:24.320 --> 00:50:28.360 my Money myway dot com. JR has a question for him now. In 686 00:50:28.480 --> 00:50:35.400 addition to fixed index annuities that guarantee income for life and guarantee certain returns during 687 00:50:35.440 --> 00:50:37.679 your life and all of that never to lose a dime, he also does 688 00:50:37.760 --> 00:50:44.719 this something called become the banker, where you overfund life insurance that takes minimal 689 00:50:44.840 --> 00:50:50.360 investment and can grow quickly tax free. It also can be used in retirement. 690 00:50:50.480 --> 00:50:53.440 If you borrow money from it, the life insurance proceeds pay it back, 691 00:50:53.559 --> 00:50:59.400 so in essence, it's tax free income. And JR has a question 692 00:50:59.599 --> 00:51:07.480 about that. JR. Okay, So I have altered to colitis which could 693 00:51:07.599 --> 00:51:10.599 lead the cancer. So I can't get life insurance because I'm a possible for 694 00:51:10.719 --> 00:51:15.679 cancer person. How would how would you work with that? Were you turned 695 00:51:15.760 --> 00:51:20.840 down for life insurance before JR? I have been turned down plenty of time. 696 00:51:21.000 --> 00:51:23.840 My wife also had an issue with cancer at one time, and she 697 00:51:24.320 --> 00:51:29.000 gets turned down. So Joe, what do you do if people want to 698 00:51:29.079 --> 00:51:32.880 do become the banker overfunding life insurance and they can't get life insurance? Well 699 00:51:32.960 --> 00:51:37.079 you Tom, you know in JR. I really feel for you, you 700 00:51:37.039 --> 00:51:40.800 know I have. I really have had a lot of clients that had cancer 701 00:51:42.039 --> 00:51:46.599 basically but there were cancer free for at least seven years and that and the 702 00:51:46.679 --> 00:51:52.480 life insurance company can actually uh ensure them. Well he's never had cancer, 703 00:51:52.679 --> 00:51:57.639 Jr. So you've never had never had cancer, right, But it's alcor 704 00:51:57.760 --> 00:52:00.760 of colitis which could lead the cancer. Right. Well, you know the 705 00:52:00.840 --> 00:52:06.000 only way that actually we can find out is by you making an application to 706 00:52:06.079 --> 00:52:10.360 the life insurance company. Let them underwrite you, look at your medical history, 707 00:52:12.039 --> 00:52:15.519 and they can offer you the policy, or they may decline you. 708 00:52:15.840 --> 00:52:20.199 Joe, You never know. Do they ever cut people off not just because 709 00:52:20.239 --> 00:52:23.400 of health but age? Could someone ninety years old get a life insurance policy 710 00:52:23.519 --> 00:52:27.960 or forget about it? No, Okay, that may be too old eighty 711 00:52:28.039 --> 00:52:31.559 found Jr. I mean, Joe, I have a question. Do they 712 00:52:31.679 --> 00:52:37.400 ever require physical they do most of the time they do require medical examinations, 713 00:52:37.880 --> 00:52:42.400 the company will pay for that. And is it from the waist up or 714 00:52:42.480 --> 00:52:45.519 is it just a cursory one or is it in depth? Is it's actually 715 00:52:45.239 --> 00:52:52.119 they ask a lot of medical questions about their their health and also their medicine 716 00:52:52.159 --> 00:52:54.840 that they may be taking. They'll they'll weigh them, they take the blood 717 00:52:54.880 --> 00:53:00.760 pressure, and they do your analysis and a blood warm. But you also 718 00:53:00.840 --> 00:53:02.679 agree to give the medical records. Right, well, yeah, you signed 719 00:53:02.719 --> 00:53:06.039 off hip hop for him, all right, jay R. Thank you. 720 00:53:07.000 --> 00:53:10.440 By the way, just a quick comment here. I once made the mistake 721 00:53:10.480 --> 00:53:14.239 of applying for disability insurance. I don't know why I did. It was 722 00:53:14.320 --> 00:53:17.199 many many years ago. In my opinion, disability insurance is a rip off. 723 00:53:17.320 --> 00:53:20.519 But I don't want to get into that. You mean something like aflack. 724 00:53:21.760 --> 00:53:23.639 No, it was full. It was disability. If you couldn't do 725 00:53:23.679 --> 00:53:25.679 your job, If you couldn't do your job, you got so much a 726 00:53:25.960 --> 00:53:30.440 month tax free period. It was. It's true disability. Joe probably knows 727 00:53:30.480 --> 00:53:34.960 about it. Anyway, A woman comes to my house to do this exam 728 00:53:35.159 --> 00:53:37.920 right, chest up or excuse me, waste up and questions, and I 729 00:53:38.039 --> 00:53:42.880 swear to God, this is a true story. We were there five or 730 00:53:42.920 --> 00:53:46.719 six minutes and she's asked me questions and I'm answering. Then she starts folding 731 00:53:46.800 --> 00:53:51.039 up and says, you know what, I'm not I'm not going to be 732 00:53:51.119 --> 00:53:57.719 treated like this. She walked down. No, if Donna wasn't there listening, 733 00:53:57.760 --> 00:53:59.960 I would have thought, you know what, maybe I did some wrong 734 00:54:00.559 --> 00:54:02.880 and I didn't. She was just like expecting me to like blow up like 735 00:54:02.960 --> 00:54:06.079 I do on the air. Maybe I have no idea. She was like 736 00:54:06.199 --> 00:54:08.239 shaking and I didn't. You know, that's just a funny story. Now, 737 00:54:08.280 --> 00:54:10.280 Tim, you have a comment on the show. What's your comment? 738 00:54:10.400 --> 00:54:16.559 Go ahead. My comment is, every day you kind of beat it into 739 00:54:16.639 --> 00:54:22.840 our heads who you guys use on your referral list. You praise a lot 740 00:54:22.920 --> 00:54:28.880 of people, and I would think, and I would do this if I 741 00:54:29.000 --> 00:54:36.840 lived in the Denver area, is to use the referral list for everything across 742 00:54:36.880 --> 00:54:39.079 the board. But you get so many people calling in wanting them to know 743 00:54:39.280 --> 00:54:45.280 you want you to jump on their side when Nick still and that's it. 744 00:54:45.000 --> 00:54:47.119 I know. No, No, listen, Tim, that happens all the 745 00:54:47.199 --> 00:54:50.519 time. And I'm going to tell you something about the show. You may 746 00:54:50.599 --> 00:54:54.239 or may not know. Of course, ninety five percent of my callers are 747 00:54:54.320 --> 00:55:00.280 not listeners. They become listeners, but they're not listeners. They find doubt 748 00:55:00.320 --> 00:55:02.880 from listeners, or from friends of listeners, or just because I've been here 749 00:55:02.920 --> 00:55:07.880 for forty five years, call Martino. You know, when I first came 750 00:55:07.920 --> 00:55:12.199 here, I remember my job interview at Channel four and Roger Ogden said, 751 00:55:13.639 --> 00:55:15.719 Hey, what is your goal? And I said, my goal is this 752 00:55:16.239 --> 00:55:21.360 that when somebody has a consumer problem, they think of me and they say, 753 00:55:21.400 --> 00:55:24.440 you know what, I'm gonna call Tom Martino and that's what they do. 754 00:55:25.079 --> 00:55:30.440 But they don't necessarily listen. Now the people I mean this sincerely, 755 00:55:30.760 --> 00:55:34.480 and I think my YouTube morons will even agree, even though they like joking 756 00:55:34.559 --> 00:55:37.960 with us. I'll bet you they don't get ripped off. I'll bet you 757 00:55:38.119 --> 00:55:44.440 they don't because they listen. They are My listeners are so fricking hipped to 758 00:55:44.679 --> 00:55:47.960 everything going on. I'll bet you they seldom get ripped off. So when 759 00:55:49.000 --> 00:55:52.880 you hear all these people calling your thinking, God, Martino, why aren't 760 00:55:52.920 --> 00:55:58.599 they listening? Because they're not listening, Chopper, just give me one of 761 00:55:58.639 --> 00:56:00.400 these problems. I'll take the next one. After the break of v lele 762 00:56:00.519 --> 00:56:07.039 Hoe Terraces apartments. Who was that consumer's first name? That's that's what I 763 00:56:07.159 --> 00:56:14.280 go by. Yeah, it's Tasha. It was the she was complaining about. 764 00:56:14.360 --> 00:56:17.039 Got it she lives in that apartment. She said, there's an infestation 765 00:56:17.119 --> 00:56:23.119 of bed bugs, cockroaches, and mice. That's correct, But she didn't 766 00:56:23.280 --> 00:56:28.679 tell us one simple thing, Tom, that she had been under a court 767 00:56:28.800 --> 00:56:32.079 order to leave, and that's what she was actually complaining about. I can't 768 00:56:32.159 --> 00:56:37.559 interfere with the court order. But wait, hey, so she already she 769 00:56:37.840 --> 00:56:44.639 already went through eviction, Yes, the process and was supposed to leave on 770 00:56:44.719 --> 00:56:50.880 March thirty first, Okay, that's that. Okay, So a little good 771 00:56:50.920 --> 00:56:53.800 would it do to help her with bedbugs? Went, So she's got to 772 00:56:53.840 --> 00:57:00.840 be out of there. Well, I don't know if she was telling us 773 00:57:00.880 --> 00:57:04.239 the truth. I reached out to my friends at the Sheriff's department. They 774 00:57:04.400 --> 00:57:09.000 have no order to go evictor, and I called the manager and the manager 775 00:57:09.599 --> 00:57:15.199 hid under almost like the hippolaw, wouldn't tell me anything. Okay, did 776 00:57:15.320 --> 00:57:20.559 she tell you that? Then? He said, setn't there? Yes, 777 00:57:21.679 --> 00:57:24.320 that the sheriff was going to come get her. And the manager was not 778 00:57:24.440 --> 00:57:29.000 a nice person. I don't know if it's already the point though, that's 779 00:57:29.079 --> 00:57:31.280 crazy. I mean, it's not like all this went down when she called 780 00:57:31.320 --> 00:57:35.239 bad day. If she's to the point where the sheriff's going to show up, 781 00:57:35.280 --> 00:57:37.400 it's been months, Yeah, but the sheriff says they don't have an 782 00:57:37.400 --> 00:57:42.199 eviction order, and the manager's basically who knows. But there's not much you 783 00:57:42.239 --> 00:57:44.679 can do about it. Let's talk to you coming back. We got more 784 00:57:44.719 --> 00:57:46.679 coming up three oh three seven on three talks seven on three eight two five 785 00:57:46.760 --> 00:57:51.599 five. Ideal home Loans Still doing home loans with the interest rate guarantee, 786 00:57:51.639 --> 00:57:53.039 the only ones that have it. So if the rates go down and you 787 00:57:53.039 --> 00:58:01.119 get refinanced free of charge three oh three eight sixty seven seven thousand, go 788 00:58:01.280 --> 00:58:06.519 with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay 789 00:58:06.519 --> 00:58:13.320 a cent until you're content. Time for an insurance check up free, no 790 00:58:13.400 --> 00:58:19.320 obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies 791 00:58:19.440 --> 00:58:22.840 find out now three oh three seven seven to one help. You'll think you're 792 00:58:22.920 --> 00:58:25.760 his only customer When you choose Frank durand the real estate man dot com to 793 00:58:25.880 --> 00:58:30.559 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 794 00:58:37.039 --> 00:58:40.360 Hi Tom Martino, your troubleshooter three O three seven one three talk seven 795 00:58:40.400 --> 00:58:45.800 one three eight two five five chopper? What about this auto warranty? Who 796 00:58:45.840 --> 00:58:50.159 are we working with on there? What was the person's name? The first 797 00:58:50.239 --> 00:58:53.559 name is Samantha some I don't remember that one. Okay, go ahead and 798 00:58:53.599 --> 00:58:58.719 tell me about it. Uh. First of all, I want to say, 799 00:58:59.039 --> 00:59:05.760 please listen, Tom and mark out of warranties and applying to warranties are 800 00:59:05.800 --> 00:59:09.360 worthless now? Yeah, on used cars, that's for sure. A used 801 00:59:09.400 --> 00:59:14.000 car warranty is worth us, that's right. And extended warranties on a new 802 00:59:14.079 --> 00:59:17.079 car, on a new car and used Because extended warranties on a new car 803 00:59:17.199 --> 00:59:22.440 can run concurrent with the factory warranty, you get nothing extra. You should 804 00:59:22.440 --> 00:59:24.320 add it on after With a used car, you should never get one. 805 00:59:24.559 --> 00:59:32.239 What happened with her? Okay? This one? It was a twenty fourteen 806 00:59:32.400 --> 00:59:39.199 cheap Wrangler, right, you got it one hundred and twenty nine thousand miles 807 00:59:42.280 --> 00:59:47.480 right, And they took it to Larry Miller. The problem is United Care. 808 00:59:47.880 --> 00:59:52.559 I read their warranty. They don't have to do anything about new parts 809 00:59:52.199 --> 00:59:58.079 or any parts. They can replace it with used parts. But my notes 810 00:59:58.159 --> 01:00:02.760 say they did cover the repair. They did not. When it got down 811 01:00:02.800 --> 01:00:07.719 to the very end and I tried to reach out, why would they wait? 812 01:00:07.760 --> 01:00:12.360 Wait? Wait? Why would they not pay anything? At Chopper? 813 01:00:14.800 --> 01:00:21.280 They wouldn't return my calls United car Care, so I couldn't get through to 814 01:00:21.400 --> 01:00:25.159 them. And I got to say this about Larry Miller. Gee. I 815 01:00:25.400 --> 01:00:30.480 called them five times, tom leaving voicemails because I thought they could give me 816 01:00:30.599 --> 01:00:37.119 some help on getting this taking care. Not once did they call back in 817 01:00:37.199 --> 01:00:42.840 the five times that I left voicemail. So she ended up paying nearly four 818 01:00:42.920 --> 01:00:47.559 grand on her own. It's worse than that. She ended up paying sixty 819 01:00:47.639 --> 01:00:58.119 seven hundred. What. Well, yeah, I don't understand. But let 820 01:00:58.199 --> 01:01:01.000 me ask you something. Let me ask you something. Okay, she got 821 01:01:01.039 --> 01:01:05.559 it fixed. Pay sixty seven hundred. Why did the warranty not cover the 822 01:01:05.679 --> 01:01:07.960 repair? You could never find that out because they didn't return a call. 823 01:01:09.880 --> 01:01:14.039 That's direct. I could not find that out and I could not get any 824 01:01:14.119 --> 01:01:16.519 help. Well, she needs to sue them in small claims court. Listen, 825 01:01:16.760 --> 01:01:22.800 if the warranty covers the transmission, she needs to sue them. I 826 01:01:22.880 --> 01:01:30.000 mean, did Larry Miller try to contact them for coverage? They have talked 827 01:01:30.039 --> 01:01:35.280 to Larry Miller, but all Larry Miller wanted was the sixty seven hundred so 828 01:01:35.440 --> 01:01:37.480 they could get their car out of there. No, I get that part, 829 01:01:37.599 --> 01:01:42.840 and Larry Miller did not. Larry Miller did nothing wrong. They repaired 830 01:01:42.880 --> 01:01:47.039 a car. No, Larry Miller would not, would they. Larry Miller 831 01:01:47.039 --> 01:01:50.639 would love to be paid by the warranty company. What I want to know 832 01:01:50.760 --> 01:01:53.199 from them is why weren't they paid by the warranty company? What the hell 833 01:01:53.280 --> 01:01:59.760 good is United a car care? I mean unless unless they don't cover transmissions. 834 01:01:59.760 --> 01:02:04.360 I mean, was that an exclusion? Not according to the policy. 835 01:02:04.440 --> 01:02:08.199 It just said they could give you a used one, but they didn't. 836 01:02:08.360 --> 01:02:13.760 Well, okay, and did she did let me ask you this? Then 837 01:02:14.159 --> 01:02:16.599 I might have we might have this mixed up. I'm trying to understand this. 838 01:02:17.480 --> 01:02:24.880 Did they possibly say say to Samantha, we'll cover this, but you're 839 01:02:24.960 --> 01:02:30.039 only going to get a used transmission, and then she decided to do more. 840 01:02:32.159 --> 01:02:37.039 No, as the car got there longer, they found more things and 841 01:02:38.320 --> 01:02:43.719 United Care didn't talk to her either. They were trying to use the dealership 842 01:02:43.840 --> 01:02:47.800 to be the goal between and so far you've not been able to talk to 843 01:02:47.960 --> 01:02:54.719 anyone at the dealer or anyone at the warranty company. And that is correct, 844 01:02:54.800 --> 01:02:59.880 Tom, Who did you call it? United? You have the number 845 01:03:00.079 --> 01:03:06.559 for United I think people need to call them. I mean really, I 846 01:03:06.639 --> 01:03:10.719 mean you know this this BS about not returning calls. I mean, come 847 01:03:10.800 --> 01:03:15.039 on, we're trying to help one of their customers. I'll have to get 848 01:03:15.719 --> 01:03:20.320 I have three numbers, but I don't. I'm afraid they're Samanthas. I'll 849 01:03:20.360 --> 01:03:23.519 get I'll test you or the number. Yeah, I'd like to because I'd 850 01:03:23.599 --> 01:03:28.119 like to put people on this. This is bull crap. I mean truly, 851 01:03:29.119 --> 01:03:32.519 sixty seven hundred much of that probably should have been covered by the warranty. 852 01:03:34.119 --> 01:03:36.920 She needs to sue them in small claims court. Would you tell her 853 01:03:37.000 --> 01:03:40.280 that please? Plus we'll still work on it. This is BS man we 854 01:03:40.400 --> 01:03:44.360 got I mean, you know, I know used car warranties are useless, 855 01:03:44.400 --> 01:03:50.480 but man, they should pay something. Three h three seven one three eight 856 01:03:50.559 --> 01:03:53.800 two five five. God. I get pissed off when people are so bad. 857 01:03:55.800 --> 01:04:04.280 By the way, Grossman Wellness Clinic Grossmanwellness dot com. It's a concierge 858 01:04:04.400 --> 01:04:09.480 medicine that means you have a doctor on call. You do, text them, 859 01:04:10.239 --> 01:04:15.639 call them. They provide most of your prescription drugs, your blood work 860 01:04:15.559 --> 01:04:20.360 and your consultation's blood work every three months, and your supplements. Yeah, 861 01:04:21.039 --> 01:04:25.079 for about a few hundred bucks a month, depending on your program. I'm 862 01:04:25.119 --> 01:04:28.960 part of it, I'll never change. And for two hundred and forty nine 863 01:04:29.000 --> 01:04:32.119 bucks you can at least get your blood work and consultation to see where you 864 01:04:32.199 --> 01:04:44.320 stand right now. They specialize in longevity and health Grossmanwellness dot com. Go 865 01:04:44.480 --> 01:04:47.719 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 866 01:04:47.719 --> 01:04:55.519 a cent until you're content. Time for an insurance check up free, no 867 01:04:55.599 --> 01:05:00.519 obligation. In comparison, call Compass Insurance paying too much your coverage had dozens 868 01:05:00.519 --> 01:05:03.199 of insurance companies find out now three all three seven seven to one help. 869 01:05:03.400 --> 01:05:08.159 You'll think you're his only customer when you choose Frank durand the Real estate Man 870 01:05:08.239 --> 01:05:12.679 dot com to list your home with Remax Alliance three all three nine two zero 871 01:05:12.840 --> 01:05:23.280 sixteen twenty two rz Hey I'm Tom Martinez, your troubleshooter three all three seven 872 01:05:23.320 --> 01:05:27.280 one three talks seven one three eight two five five. Okay, man, 873 01:05:27.360 --> 01:05:30.519 we're having a lot of good discussions right now. And you know, I 874 01:05:30.599 --> 01:05:33.360 haven't heard in a while about Kirby, But man, I'll tell you what 875 01:05:33.519 --> 01:05:39.199 Kirby vacuums. What a hell of a job they do with the sales end. 876 01:05:39.519 --> 01:05:42.719 Of course, the vacuum is no more than a vacuum, but they're 877 01:05:42.800 --> 01:05:46.159 amazing. Do you know why I did the math one time, and for 878 01:05:46.280 --> 01:05:53.400 what they sold this one woman with a Kirby, I calculated she could have 879 01:05:53.480 --> 01:06:00.159 bought a new vacuum every two years and and and brand new and every two 880 01:06:00.239 --> 01:06:02.800 years for like twelve so many years. Yeah, but what the vacuum have 881 01:06:02.960 --> 01:06:05.440 been is good. I mean really, that's what it comes down to, 882 01:06:05.639 --> 01:06:10.280 right, Okay, Okay, do you know what Kirby is used to sell 883 01:06:10.400 --> 01:06:12.280 for? Do you know what they used to sell for? Do you know 884 01:06:12.360 --> 01:06:14.760 what this woman paid years ago? Do you know what she paid for it, 885 01:06:15.159 --> 01:06:17.920 years and years ago? Four grand for a vacuum? Yeah? Yeah, 886 01:06:18.039 --> 01:06:21.239 Yeah, they come into your house and I don't know what the hell 887 01:06:21.280 --> 01:06:25.119 they better come with a call. I think they do some voodoo and a 888 01:06:25.280 --> 01:06:29.039 dance and a little hypnotism. Because people used to pay that much. I 889 01:06:29.039 --> 01:06:30.639 don't know what they're paying now, Vic, go ahead tell us your story, 890 01:06:30.760 --> 01:06:39.599 VIC comment listeners, Hey, Vic, what did you buy a Kirby? 891 01:06:39.719 --> 01:06:43.280 First? I want to know that, Yes I did. What did 892 01:06:43.320 --> 01:06:45.719 you do? When did you buy it? And what did you pay for 893 01:06:45.800 --> 01:06:49.079 it? I just want to start there. Okay, I buy it February 894 01:06:49.360 --> 01:06:56.880 first for sixteen twenty three, one tho six and twenty three. Okay, 895 01:06:57.199 --> 01:07:01.239 Now that is crazy in itself, but it's not four grand. So that's 896 01:07:01.280 --> 01:07:05.119 good. You bought a Kirby and what to Now? Tell your story? 897 01:07:05.599 --> 01:07:08.760 And you bought it? When did you say? You bought it in February? 898 01:07:09.719 --> 01:07:13.039 Yeah? I bought it February first, which was Friday night. That 899 01:07:13.320 --> 01:07:15.599 came a week prior. Okay, got it and I said, yeah, 900 01:07:15.719 --> 01:07:20.480 come in. They said we'll do a free carpet wash. And so anyway, 901 01:07:20.800 --> 01:07:29.519 does this Kirby? Does this Kirby do shampooing as well as vacuuming. 902 01:07:30.800 --> 01:07:34.599 Yes, we bought the whole We bought the whole system. Hey, when 903 01:07:34.599 --> 01:07:39.440 they know demo did did they clean like one room or the whole house or 904 01:07:39.519 --> 01:07:46.320 what in the demo they cleaned the stairs. Okay, did it look good? 905 01:07:47.760 --> 01:07:50.679 Yeah? I sure did. Okay, And by the way, let 906 01:07:50.719 --> 01:07:56.199 me just ask you this, are those Kirby still made of steel? Well? 907 01:07:56.280 --> 01:08:01.159 It looks like a titanium something really, you know, you know, 908 01:08:01.320 --> 01:08:09.760 newer materials from what they were describing to us, and and so you know 909 01:08:09.840 --> 01:08:13.559 we were impressed. So tell me what are you calling about? Bro? 910 01:08:14.599 --> 01:08:16.920 Well then you know, we talked about it, and the next day my 911 01:08:16.960 --> 01:08:20.600 wife tried it and she was like, well, you know, it kind 912 01:08:20.600 --> 01:08:24.600 of activated my art, right, I don't think I want it. What 913 01:08:24.680 --> 01:08:28.960 do you mean activated her art? Right? It's too heavy, Yeah, 914 01:08:29.119 --> 01:08:32.920 became too heavy. She when she used it, she used it without this 915 01:08:33.119 --> 01:08:38.720 attachment, and when we were using it, we didn't take that attachment off. 916 01:08:39.199 --> 01:08:41.920 And she says, well I can't. You know, it didn't seem 917 01:08:41.960 --> 01:08:46.479 like it was gonna do what she needed. And so it reminds me. 918 01:08:46.960 --> 01:08:50.880 It reminds me of when I go to these fairs and I see these people 919 01:08:51.000 --> 01:08:56.680 with these Ginzu knives and these blenders and these welders and and all of this 920 01:08:56.880 --> 01:08:59.840 crap, and I'm thinking, ah, man, I want to buy that, 921 01:09:00.119 --> 01:09:03.960 or they have these special things that cut tomatoes and make them like works 922 01:09:04.000 --> 01:09:08.720 of art. So I take this thing home, and my god, it's 923 01:09:08.840 --> 01:09:13.039 like, you can't do it. You can't do anything you just saw now. 924 01:09:13.239 --> 01:09:16.239 I don't know if that's like the Kirby he showed you how it cleaned 925 01:09:16.279 --> 01:09:19.199 and you couldn't do it. But let's figure it out. Hang on, 926 01:09:19.560 --> 01:09:23.319 hang on, and we'll come right back to you and figure out what we 927 01:09:23.399 --> 01:09:26.600 can do about this. Sixteen hundred bucks is a lot of money for a 928 01:09:26.720 --> 01:09:43.319 vacuum, that's for sure. I'm Tom Martine. Go with a sure thing 929 01:09:43.479 --> 01:09:46.880 Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're 930 01:09:46.960 --> 01:09:54.880 content. Time for an insurance check up free, no obligation. In comparison, 931 01:09:55.039 --> 01:09:59.560 call Compass Insurance paying too much your coverage at dozens of insurance companies. 932 01:09:59.640 --> 01:10:01.680 Find out out now three all three seven seven to one. Help. You'll 933 01:10:01.720 --> 01:10:05.479 think you're his only customer when you choose Frank durand the Real estate Man dot 934 01:10:05.600 --> 01:10:11.279 com to list your home with Remax Alliance three all three nine two zero sixteen 935 01:10:11.359 --> 01:10:21.600 twenty two. Yeah, rip mad News. You need advice so you don't 936 01:10:21.680 --> 01:10:31.239 have you come running as as a cam shooter's gonna help come man. This 937 01:10:31.920 --> 01:10:39.439 is the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, 938 01:10:39.600 --> 01:10:43.159 Welcome to the show. Three oh three seven month three talk seven three eight 939 01:10:43.199 --> 01:10:46.439 two five five. This hour brought to you by my moneymway dot com. 940 01:10:46.920 --> 01:10:54.479 A movie event coming up on the ninth of this month, and it will 941 01:10:54.560 --> 01:10:59.560 be about retirement and what to fear and what to do to prepare. It's 942 01:10:59.640 --> 01:11:02.199 not a job, I promise you, and we'll be talking about it. 943 01:11:03.159 --> 01:11:08.319 So what I'd like you to do is make a note of that seven o'clock 944 01:11:08.600 --> 01:11:15.119 April ninth amc Southlands, that's right off of four seventy and it's really a 945 01:11:15.199 --> 01:11:17.159 cool theater. How many people showed up last time we went out there at 946 01:11:17.359 --> 01:11:21.359 about one sixty five that's one seventy. This time the theater's smaller though, 947 01:11:21.399 --> 01:11:26.079 so you better sign up now. Yeah, we had a good time. 948 01:11:26.399 --> 01:11:33.319 So anyway, Joe anything, Joe, you wanted to make a observation of 949 01:11:33.439 --> 01:11:39.079 the S and P five hundred. That's a that is an index of the 950 01:11:39.199 --> 01:11:45.520 stock market using five hundred stocks, and then you compared it to what well 951 01:11:45.640 --> 01:11:51.319 do the fixed index annuity that we promote to all. And the chart that 952 01:11:51.439 --> 01:11:56.079 I sent you, how far does that chart go back? It goes from 953 01:11:56.399 --> 01:12:03.079 the year two thousand to twenty twenty three, okay, and that means what 954 01:12:03.239 --> 01:12:10.840 the chart will tell you is that the fixed index annuity did the same the 955 01:12:11.000 --> 01:12:15.239 same as the SMP five hundred. And people, consumers who had a fixed 956 01:12:15.319 --> 01:12:20.800 index annuity had nothing to worry about. They had no fear of losing money, 957 01:12:21.680 --> 01:12:26.520 and they didn't put up with the volatility of the stock market. And 958 01:12:26.600 --> 01:12:30.439 they have guarantees, guarantees that we've been talking about for years, a guaranteed 959 01:12:30.479 --> 01:12:35.199 income for life, long term care benefits. They have a bonus to begin 960 01:12:35.319 --> 01:12:41.920 with. It is a phenomenal products. They fixed index annuity. That's what 961 01:12:42.079 --> 01:12:45.439 we've been talking about. And I just got this chart yesterday and I'm going 962 01:12:45.479 --> 01:12:49.439 to send that to you, and just wow, it just amazed me look 963 01:12:49.520 --> 01:12:55.119 at it. I mean it's just from twenty two from the year two thousand 964 01:12:55.520 --> 01:13:01.239 to twenty twenty three, the fixed index annuity did did the same as d 965 01:13:01.359 --> 01:13:04.359 S and P five hundred. Now, how good is that? With no 966 01:13:04.479 --> 01:13:11.399 fear? This isn't actual this is actual data. It's actual data, all 967 01:13:11.479 --> 01:13:14.600 right, Now, thank you? And that's my money, myway dot com 968 01:13:14.680 --> 01:13:16.640 to find out about the movie. Yeah, and Vic wants to talk about 969 01:13:16.800 --> 01:13:19.960 and Tom, can I ask you one more thing real quickly before I leave. 970 01:13:20.640 --> 01:13:23.840 It's actually, you know, the movie is going to be at the 971 01:13:23.880 --> 01:13:29.439 South Lond Theater and there's plenty parking on the rear of the theater, so 972 01:13:29.560 --> 01:13:31.920 people have to go to the rear of the theater to park. There's plenty 973 01:13:32.039 --> 01:13:39.199 parking, and we suggest that people should get there by six forty five. 974 01:13:39.840 --> 01:13:44.319 The movie will be getting at seven o'clock sharp. Okay, thank you appreciate 975 01:13:44.359 --> 01:13:46.560 that, Joe. Vic. Let's go back to you about your Kirby. 976 01:13:48.039 --> 01:13:54.840 You bought the whole system. You bought the whole system February first. You 977 01:13:54.960 --> 01:13:59.520 paid sixteen hundred bucks. Your wife didn't like it so much because it was 978 01:13:59.560 --> 01:14:02.800 a little hard on her. Right, basically right, it worked, it 979 01:14:02.880 --> 01:14:10.520 worked as represented or not? Well, it worked as represented. It sure 980 01:14:10.560 --> 01:14:13.479 did. But you know, you know, the salesman said, you know, 981 01:14:13.560 --> 01:14:15.920 you have three days test it out. If you don't like it, 982 01:14:15.319 --> 01:14:18.520 let us know and you could return. Yeah. Well, the three days 983 01:14:18.680 --> 01:14:24.960 is called their three day right to rescind in an in home sale. Was 984 01:14:25.039 --> 01:14:30.359 that stated on the contract. Yes, sure was okay, did you contact 985 01:14:30.439 --> 01:14:34.640 them within the three days? I did. We contacted him that Saturday, 986 01:14:34.720 --> 01:14:41.079 which is February second, and we send an email letting them know with the 987 01:14:41.159 --> 01:14:45.279 model number and what good wanting to do? We let the voicemail and then 988 01:14:45.359 --> 01:14:51.039 we did get a hold of the sales manager Cody Yes, and told them 989 01:14:51.039 --> 01:14:55.079 we're going to return it. And he said, okay, let's uh. 990 01:14:55.279 --> 01:14:59.119 I can't do it today, but we could schedule it and I'll pick it 991 01:14:59.239 --> 01:15:02.119 up on February eight. And I said, okay, great, make sure 992 01:15:02.159 --> 01:15:06.800 you bring our vacuum. So on February eighth, with wait, wait, 993 01:15:06.920 --> 01:15:13.199 they took your vacuum. Yeah, we you know, they said, we 994 01:15:13.239 --> 01:15:17.079 will give you two hundred dollars for it off the cost of the vacuum. 995 01:15:17.239 --> 01:15:21.279 Yeah, that's all invisible. They don't have your vacuum probably no, no, 996 01:15:21.479 --> 01:15:26.560 they returned it. Oh the good. And when he came back on 997 01:15:26.680 --> 01:15:30.239 the eighth to pick up the vacuum because he was going to be in our 998 01:15:30.319 --> 01:15:36.239 area during that time, he brought back our vacuum and he took the vacuum 999 01:15:36.960 --> 01:15:41.720 and he signed, oh good. So so wait wait so they did okay, 1000 01:15:42.239 --> 01:15:44.760 so where's the story going. It sounds like they did what they were 1001 01:15:44.760 --> 01:15:49.079 supposed to do. Everything was going right, except he said it was gonna 1002 01:15:49.439 --> 01:15:53.760 it was going to take a few days for the return to our credit card 1003 01:15:53.840 --> 01:15:57.760 to come in. He said, by February twenty second, you should have 1004 01:15:57.840 --> 01:16:00.039 your money back into your account. Wait a minute, you don't have your 1005 01:16:00.119 --> 01:16:04.479 money yet. He never returned it. Tom. So, now you have 1006 01:16:04.680 --> 01:16:10.800 no vacuum man, no money, no vacuum and no money and uh and 1007 01:16:11.000 --> 01:16:14.560 no conversation with him. He doesn't return our call. Let's call this deadbeat? 1008 01:16:15.359 --> 01:16:18.600 Yeah, yeah, And so we got a hold of Kirby, the 1009 01:16:19.000 --> 01:16:24.920 parent company out of Ohio, and they've been trying to mediate him to pay 1010 01:16:25.000 --> 01:16:29.159 us back for a couple of weeks, two or three weeks now, and 1011 01:16:29.359 --> 01:16:32.600 he seems to come up with different excuses and doesn't hit the deadline and does 1012 01:16:32.640 --> 01:16:35.399 it' Hey, let's get this guy's phone number, Kelly. Let's give him 1013 01:16:35.399 --> 01:16:39.079 a call and see if he wants to come on and expand what is this 1014 01:16:39.199 --> 01:16:43.479 guy's name? This is crooked crap. What's his name? His name is 1015 01:16:43.560 --> 01:16:53.720 Cody? Cody? What I think it's Stingler? This is this sounds like 1016 01:16:53.800 --> 01:16:58.920 a sleeves brigade to me that Kirby's even trying to push this guy. It's 1017 01:16:59.000 --> 01:17:02.520 crazy. He's us keeping the whole deal. Man. How much commission do 1018 01:17:02.600 --> 01:17:06.439 you think he makes off of a sixteen hundred dollars vacuum? I have no 1019 01:17:06.600 --> 01:17:13.520 idea. Oh no, I don't think so. No. I think he 1020 01:17:13.640 --> 01:17:16.159 makes about four or five. You know, I hope this guy didn't go 1021 01:17:16.279 --> 01:17:21.359 buy a cheap shark and slap a Kirby sticker on it. I'm wondering why 1022 01:17:21.479 --> 01:17:27.159 he won't give your why he won't give this back. Well, he doesn't 1023 01:17:27.159 --> 01:17:32.840 want to give up to commission man. Okay, I'm writing this down. 1024 01:17:33.600 --> 01:17:38.880 We're gonna call him hold on three oh three seven one three talk seven one 1025 01:17:39.000 --> 01:17:42.159 three eight two five five. I want to call him right from the show 1026 01:17:42.399 --> 01:17:45.319 and ask him to come on and explain why he's not returning money. And 1027 01:17:45.399 --> 01:17:49.359 then I want to give out his number if he doesn't come on, And 1028 01:17:49.479 --> 01:17:54.239 I want to find out what the hell's going on with this company, if 1029 01:17:54.279 --> 01:17:58.800 anyone else has had a problem with this Cody at Kirby, Kobe Kurdy, 1030 01:17:59.199 --> 01:18:02.640 Cody Kirby, let me know, Cody Kirby, Cody Kirsea it three times 1031 01:18:02.640 --> 01:18:12.960 real quick, Okay, anyway, yeah, dick, Yeah, I was 1032 01:18:13.000 --> 01:18:17.119 gonna say in the contract it's his k r Z Systems and he's he's a 1033 01:18:17.239 --> 01:18:23.079 sales manager or the owner. Okay, yeah, that's his company. Probably 1034 01:18:23.199 --> 01:18:30.439 maybe not, but who knows kr Z Systems. Okay, yeah, k 1035 01:18:30.760 --> 01:18:35.800 r Z okay systems, all right, probably credit card. Uh that's what 1036 01:18:35.920 --> 01:18:41.600 the credit card investigator said. Wait a minute, you paid by credit card? 1037 01:18:42.560 --> 01:18:45.800 Yeah, we'll get your money back period. They got a contestant, 1038 01:18:45.840 --> 01:18:51.079 it's done done well, we did contest it. But they they they didn't. 1039 01:18:53.399 --> 01:18:59.640 They didn't. They didn't find any any I guess they closed the case. 1040 01:18:59.680 --> 01:19:02.840 Wait, wait a minute, what you have a credit card? You 1041 01:19:03.239 --> 01:19:09.199 rescinded the deal within three days, you return the product, they need to 1042 01:19:09.319 --> 01:19:15.680 reverse the charge. That's what we think. But under their investigation, they 1043 01:19:15.720 --> 01:19:23.600 said didn't have sufficient evidence or paperwork. Who is the issuer? Did you 1044 01:19:23.760 --> 01:19:26.840 give them? Did you submit information to them? Did they even ask? 1045 01:19:27.119 --> 01:19:30.279 I think they left you off. Who is this? Who's your credit card? 1046 01:19:30.359 --> 01:19:31.600 Person you've been doing? I mean, what credit card do you have? 1047 01:19:32.600 --> 01:19:42.840 I think it's a master card? Who's the issuer? Sam's Sam's Now, 1048 01:19:43.000 --> 01:19:45.800 come on, man, they got to reverse that charge. You got 1049 01:19:45.920 --> 01:19:50.079 to dispute it again. Tell them, did you tell them you returned it? 1050 01:19:51.840 --> 01:19:57.159 We did, yes, And that as a matter of fact, Tom 1051 01:19:57.840 --> 01:20:03.800 today earlier back around this morning, round ten, we did. We asked 1052 01:20:03.840 --> 01:20:06.880 them, why did you guys close the case? They told us, so 1053 01:20:08.000 --> 01:20:12.399 we reopened it and to rescind the paperwork again. Good good, And so 1054 01:20:12.840 --> 01:20:15.239 we're working at from all angles. And here's what i want you to tell 1055 01:20:15.279 --> 01:20:18.680 them. Listen carefully, I want Vick, here's what I want you to 1056 01:20:18.720 --> 01:20:24.720 tell him. If they do not remove the charge, because you did everything 1057 01:20:24.800 --> 01:20:28.159 you were supposed to do. You abided by the contract, you had a 1058 01:20:28.239 --> 01:20:31.439 three day right to rescind. They picked it up, they gave you back 1059 01:20:31.520 --> 01:20:39.159 yours. You need. You're going to file a complaint with a consumer finance 1060 01:20:39.239 --> 01:20:45.039 protection bureau. You tell them that you should file it anyhow and tell them 1061 01:20:45.119 --> 01:20:54.920 it now the consumer Yeah, a finance protection bureau I'm going to give I'm 1062 01:20:54.920 --> 01:20:58.680 going to find that for you. I'm telling you these people, man, 1063 01:20:59.199 --> 01:21:00.760 they need to it's it's I'm gonna shell you how to get to it. 1064 01:21:01.119 --> 01:21:08.960 It's consumer Finance dot Gov. Put a complaint in on the top right corner. 1065 01:21:09.039 --> 01:21:15.439 There's a link Consumer Finance dot gov. This sucks. I'm Tom Martinez 1066 01:21:15.520 --> 01:21:19.800 three all three seven one three talk. Don't forget now before the heat comes. 1067 01:21:19.880 --> 01:21:24.760 Fix at twenty four to seven. Go to this website arranged to have 1068 01:21:24.840 --> 01:21:30.039 them come out for thirty nine bucks for the extreme clean of your ac. 1069 01:21:30.720 --> 01:21:33.479 The only people that really do it, honest to god, when people say 1070 01:21:33.479 --> 01:21:38.399 they're gonna check your furnace, they shine a flashlight in it, look for 1071 01:21:38.520 --> 01:21:45.039 something wrong and leave. So if you want it really cleaned and increase efficiency 1072 01:21:45.840 --> 01:21:51.000 and guarantee no breakdown, that's fixmihome dot com for thirty nine bucks for new 1073 01:21:51.039 --> 01:21:57.479 customers only. Go ahead. We're actually get a new twenty one inur system 1074 01:21:57.479 --> 01:22:00.640 if they call today. Okay, so today today is twenty one dollars. 1075 01:22:01.079 --> 01:22:03.680 My god. That's it. That's and you can do both furnace and there're 1076 01:22:03.680 --> 01:22:05.319 gonna share. It's the best time of the year to do both. You 1077 01:22:05.359 --> 01:22:08.880 need your furnace when you do so for forty two bucks, you do both 1078 01:22:08.920 --> 01:22:18.960 and get it all done. Listen, man, fixmihome dot com. Go 1079 01:22:19.159 --> 01:22:24.359 with a sure thing Denver's best roofer Excel roofing dot com. You don't pay 1080 01:22:24.399 --> 01:22:30.000 a cent until you're content. Plea time for an insurance check up free, 1081 01:22:30.119 --> 01:22:35.239 no obligation. Comparison call Compass Insurance paying too much your coverage at dozens of 1082 01:22:35.319 --> 01:22:39.840 insurance companies. Find out now three oh three seven to seven to one help. 1083 01:22:40.039 --> 01:22:43.560 You'll think you're his only customer when you choose Frank Durand the real estate 1084 01:22:43.680 --> 01:22:47.079 Man dot com to list your home with Remax Alliance three oh three nine two 1085 01:22:47.159 --> 01:22:54.720 zero sixteen twenty two. Hello top, Tom Martine, I'm here at three 1086 01:22:54.760 --> 01:22:58.920 oh three seven one three dogs seven one three eight two five five. Welcome 1087 01:22:59.159 --> 01:23:01.239 to the show. Whe're here to help you solve your problems, to answer 1088 01:23:01.239 --> 01:23:10.960 your questions, take your complaints now. Randy said he has a he called 1089 01:23:11.000 --> 01:23:14.079 last week. I'm gonna go back to him on a Honda Ridge Line. 1090 01:23:14.520 --> 01:23:16.439 Randy, is there something new or did we leave it hanging? I got 1091 01:23:16.560 --> 01:23:19.800 to figure this out, Randy, Well, you know I about the hunter 1092 01:23:19.800 --> 01:23:25.079 A ridge line have AC problems. They were going to charge you six hundred 1093 01:23:25.079 --> 01:23:30.319 dollars to diagnose the problem. Yeah, that's right, that's a great call. 1094 01:23:30.439 --> 01:23:33.960 This guy said it was under warranty, but they were going to charge 1095 01:23:34.000 --> 01:23:36.760 for the diagnosis. Tom, But I think what we figured out. I 1096 01:23:36.920 --> 01:23:43.199 remember that yes, yes, yes, yeah, and uh and then we 1097 01:23:43.359 --> 01:23:45.479 said, well, what's gonna How crazy is that? But normally, the 1098 01:23:45.520 --> 01:23:49.800 way it works when a car is under warranty, they charge you for the 1099 01:23:49.960 --> 01:23:57.239 diagnosis if it turns out it was not a warranty item. If it was 1100 01:23:57.319 --> 01:24:02.079 a warranty item, they would go ahead and not charging. That's the only 1101 01:24:02.319 --> 01:24:06.159 dy it made sense unless the dealers just, in my opinion, a complete 1102 01:24:06.239 --> 01:24:12.000 ripoff. So what happened? Yeah, Well, I went to pick up 1103 01:24:12.079 --> 01:24:15.439 the vehicle and they you know, prior to picking it up, I told 1104 01:24:15.479 --> 01:24:18.359 them if they charged me that I was not going to be very happy about 1105 01:24:18.359 --> 01:24:24.640 it because I've only owned the vehicle less than ninety days. And I went 1106 01:24:24.720 --> 01:24:28.760 to pick it up and they took the charge off. Good. They called 1107 01:24:28.760 --> 01:24:32.119 it a courtesy as a current. Well, hold on, what did it 1108 01:24:32.199 --> 01:24:34.960 turn out? What did the problem turn out to be? Let's talk about 1109 01:24:35.000 --> 01:24:41.560 that part. There was a leak in my condenser? Was it covered by 1110 01:24:41.680 --> 01:24:48.000 warranty? Was it covered by warranty? Yes? They told me. Even 1111 01:24:48.039 --> 01:24:51.960 after that, they told me that it really wasn't covered by wanting because the 1112 01:24:53.880 --> 01:24:57.079 because they were going to have to refill it and fill it with free on 1113 01:24:57.560 --> 01:25:00.279 and that wouldn't be covered. You know, Honest to god, they sound 1114 01:25:00.319 --> 01:25:02.560 shady as well. Here's what I want to know. Only fixed it. 1115 01:25:03.239 --> 01:25:09.119 Bottom line, you weren't charged a dime, right, And I would have 1116 01:25:09.199 --> 01:25:13.800 been charged the dime had i'd not, you know, spoken to you guys 1117 01:25:14.079 --> 01:25:19.600 and went back to them and said that I was very unfair, and then 1118 01:25:19.720 --> 01:25:25.520 I'd be very unhappy if they trst me that. And yeah, now listen, 1119 01:25:26.079 --> 01:25:30.680 I do believe if they were Listen, I do believe in the in 1120 01:25:30.760 --> 01:25:35.880 the putting the charge out there for for warranty work until they confirm it's a 1121 01:25:35.920 --> 01:25:42.520 warranty problem. Agreed, once they find out it's once they find out it's 1122 01:25:42.560 --> 01:25:48.119 a warranty problem, then I think that's when they back They back out that 1123 01:25:48.279 --> 01:25:50.600 charge. They don't send it to you. I mean, they don't charge 1124 01:25:51.680 --> 01:25:56.119 I even brought that up. The said of the contract, if it was 1125 01:25:56.159 --> 01:26:00.239 a covered item, then the diagnostic charge did not apply. But they said 1126 01:26:00.520 --> 01:26:02.800 it did apply in this particular case. But they're doing me a favor. 1127 01:26:03.279 --> 01:26:05.479 Yeah, well they're wrong. I don't care, but at least you got 1128 01:26:05.520 --> 01:26:10.359 it back. No, I'm in charge. Here's what I don't like about 1129 01:26:10.399 --> 01:26:13.319 it. I'm glad it's done, but all they're trying to do is act 1130 01:26:13.439 --> 01:26:17.800 like there's something special. Oh here here, mister Randy. We decided not 1131 01:26:17.920 --> 01:26:21.199 to rip your face off with this bill, and you're trying to act like 1132 01:26:21.279 --> 01:26:27.399 the good guys, right, And they're wrong because they would have. They 1133 01:26:27.439 --> 01:26:30.840 shouldn't have charged it anyway if it was a warranty item. So but at 1134 01:26:30.960 --> 01:26:34.439 least you got what you wanted, and they wanted to maybe not give in 1135 01:26:34.560 --> 01:26:40.119 all the way the dealing was it By the way, it was auto Nation 1136 01:26:40.439 --> 01:26:44.159 on one hundred and fourth and tensil that they should just they should really just 1137 01:26:44.279 --> 01:26:47.239 do. It's crazy it played out that way, but thank god they ended 1138 01:26:47.319 --> 01:26:51.560 up doing the right thing right exactly. One other comment I want to make 1139 01:26:51.760 --> 01:26:56.760 is that I had called their service to the bar but four times and I 1140 01:26:56.920 --> 01:27:01.119 never got a return called back. And then I called again the sales connecting 1141 01:27:01.239 --> 01:27:05.600 with the finance manager who handles warrs to coverage. They never called me back 1142 01:27:05.680 --> 01:27:11.520 five calls, never wanted the current call, And I honestly believe the reason 1143 01:27:11.600 --> 01:27:15.600 that is is because I opted out of their extended warrantine and I really felt 1144 01:27:15.680 --> 01:27:19.800 like they treated me like a second class customer because I didn't buy their warranty, 1145 01:27:21.039 --> 01:27:25.720 you know, but you said it was but you did say it was 1146 01:27:25.840 --> 01:27:30.039 under warranty. What warranty was it under the HANSA certified trio from the hand 1147 01:27:30.319 --> 01:27:33.760 the manufacturer? Okay, got you? You know what you should have done? 1148 01:27:34.079 --> 01:27:40.520 You should have gone to another Honda dealer. H Yes, I possibly 1149 01:27:40.600 --> 01:27:43.760 should have, but this place was half a mile from my house. Yeah, 1150 01:27:43.800 --> 01:27:46.479 but I never you know, I always tell people don't pick something based 1151 01:27:46.520 --> 01:27:50.560 on convenience. If you have to drive a little extra for somebody who's really 1152 01:27:50.640 --> 01:27:54.560 good, That's what I would do. By the way, you know, 1153 01:27:55.520 --> 01:27:59.880 you just that I don't like that Honda dealer so much. I think that 1154 01:28:00.399 --> 01:28:04.680 Planet Honda's a good place. That's a personal uh. I just Susanna and 1155 01:28:04.760 --> 01:28:14.000 I just bought a Hondai from them. It Planet Hondai or actually it's pronounced 1156 01:28:14.359 --> 01:28:17.600 Planet high un day. Yeah, right, anyway, Randy, thanks for 1157 01:28:17.680 --> 01:28:20.880 calling three h three seven one three talks seven one three eight two five five 1158 01:28:23.359 --> 01:28:30.279 So fix it twenty four to seven is doing this special for twenty one dollars 1159 01:28:30.359 --> 01:28:38.760 today? The extreme clean of your AC Why does it increase efficiency. Dirt 1160 01:28:38.880 --> 01:28:41.880 is the number one killer is the furnace and air conditioners. So if you 1161 01:28:41.960 --> 01:28:45.039 don't clean the dirt out, dirt cakes up on a blower motor. For 1162 01:28:45.119 --> 01:28:48.359 example, all the air in your entire home runs runs through the furnace using 1163 01:28:48.399 --> 01:28:54.079 your ac or or furnace right it within two minutes, So all the dirt 1164 01:28:54.159 --> 01:28:58.159 dust. If you have pets, it's even even more so, and it 1165 01:28:58.520 --> 01:29:01.399 keep it traps the heat and makes it harder, hotter. Eventually seal breaks 1166 01:29:01.520 --> 01:29:05.119 because it was never cleaned, and now it's leaking oil and then that seases 1167 01:29:05.239 --> 01:29:09.039 up when the oil is gone, and it causes as much of other problems. 1168 01:29:09.119 --> 01:29:13.239 So dirt as it cakes up in a system makes it not work, 1169 01:29:13.960 --> 01:29:15.800 and we clean the dirt out, and therefore, once we do, we 1170 01:29:15.880 --> 01:29:20.600 can guarantee it's not going to break down this season. Cool anyway, that's 1171 01:29:20.720 --> 01:29:25.840 uh, fix it twenty four to seven. Here's the website fixmihome dot com 1172 01:29:27.560 --> 01:29:32.560 seven two zero five two six thirty nine thirty nine. Now Mark was talking 1173 01:29:32.560 --> 01:29:39.119 about something that piqued my interest off the air. Non meat meat? Is 1174 01:29:39.199 --> 01:29:43.560 it? It's crazy? S Mark? Is it synthetic meat? No? 1175 01:29:43.960 --> 01:29:48.279 So they took stem cells or I'm sorry, cells or not stem cells from 1176 01:29:48.479 --> 01:29:54.239 actual chickens, I believe was the one I was reading about. And then, 1177 01:29:54.439 --> 01:29:57.800 along with other things which I don't know what the secret sauce is, 1178 01:29:58.319 --> 01:30:04.920 they created a own chicken and picture like a plate of uncut brownie's coming out. 1179 01:30:05.279 --> 01:30:10.720 Then they shape it into chicken PADI's or chicken breasts. The problem is 1180 01:30:10.840 --> 01:30:15.159 it's very mad. They're made from cultivated cells. I'm reading. Yeah, 1181 01:30:15.279 --> 01:30:18.359 it's pretty cool. It's the lab grown chicken. Yeah, I wonder though 1182 01:30:18.520 --> 01:30:23.479 right now. I know it's very expensive, so it's not mainstream. But 1183 01:30:23.600 --> 01:30:30.399 the FDA approved two companies late last year in California to continue to do this 1184 01:30:30.680 --> 01:30:32.840 or to get better at it or whatever. Saying is the whole and the 1185 01:30:32.880 --> 01:30:39.079 whole reason behind this. They're doing this whether we like it or not, 1186 01:30:39.399 --> 01:30:44.439 it doesn't matter what whatever we believe. If they're doing it for climate change. 1187 01:30:44.880 --> 01:30:48.640 They're saying that the growing of meat and the raising of meat, beef 1188 01:30:48.760 --> 01:30:53.279 and chickens and all that is bad for the environment. And they fart a 1189 01:30:53.359 --> 01:30:59.359 lot, and that's methane gas so and their waste. So what they're trying 1190 01:30:59.399 --> 01:31:02.239 to do is reduce pollution, not a bad idea no matter what, whether 1191 01:31:02.520 --> 01:31:05.800 you're a part of the Church of Climate change or not, it's a good 1192 01:31:05.840 --> 01:31:12.720 idea to reduce pollution. And then they grow this, But is it ever 1193 01:31:13.000 --> 01:31:15.960 a chicken? This is what I don't understand. It says that lab grown 1194 01:31:16.039 --> 01:31:23.199 meat, cultivated meat. It is not artificial. It's using true animal cells 1195 01:31:23.920 --> 01:31:30.399 and are fed nutrients like amino acids, and they grow. But I don't 1196 01:31:30.520 --> 01:31:33.239 understand how they grow. I don't get that part of it, Like, 1197 01:31:33.439 --> 01:31:38.359 how does the meat grow well? Even if it is even if it is 1198 01:31:38.520 --> 01:31:43.399 growing. I think from a vegetarian standpoint or someone that doesn't eat meat, 1199 01:31:43.479 --> 01:31:47.000 I guess it's never alive though. I mean, a plant grows and people 1200 01:31:47.079 --> 01:31:49.560 don't say, oh, I'm not going to eat that plant based food because 1201 01:31:49.600 --> 01:31:53.479 it was alive. But if it never has thoughts, I mean, I 1202 01:31:53.560 --> 01:31:57.960 think really that's the difference. Right. Well, not all vegetarians do it 1203 01:31:58.399 --> 01:32:01.279 for humanitarian reasons, No, not a lot of a lot of them do. 1204 01:32:02.000 --> 01:32:05.279 They have compassion and all of that, and they reject the industry. 1205 01:32:05.800 --> 01:32:10.560 But some vegetarians do it just because they don't think meat is good for them. 1206 01:32:10.600 --> 01:32:13.079 So I don't think synthetic meat would make a difference, or they do 1207 01:32:13.159 --> 01:32:15.399 it for both reasons. They do it for health reasons. But I would 1208 01:32:15.520 --> 01:32:18.880 argue that some of these burgers, these fake burgers, are worse for you 1209 01:32:19.039 --> 01:32:23.159 than the thing for your Hell, of course they are, they are, 1210 01:32:23.359 --> 01:32:28.159 of course they are. But vegetarians don't vegetarians, many of them, even 1211 01:32:28.199 --> 01:32:33.000 though they like to believe it's science, if you truly, truly, truly, 1212 01:32:33.359 --> 01:32:36.680 Now, obviously, if you eat crap, whether meat or not meat 1213 01:32:36.800 --> 01:32:41.560 or vegetarian or whatever you are, if you eat crap, crap as crap 1214 01:32:41.600 --> 01:32:45.560 as crap, sugar is sugar is sugar. But if you ate the same 1215 01:32:45.039 --> 01:32:48.439 or try to eat the same amount of nutrients as the veggie as you do 1216 01:32:48.520 --> 01:32:54.399 as a as a meat eater, you would you're not as healthy as a 1217 01:32:54.479 --> 01:32:57.159 vegetarian. I don't care what anyone says. That's what blood work shows, 1218 01:32:57.199 --> 01:33:00.199 That's what everything shows. Now, once in a while you'll have some one 1219 01:33:00.239 --> 01:33:05.159 who is healthier. But as in genetics, yeah, in general, as 1220 01:33:05.359 --> 01:33:13.119 populations go, and according to studies done year after year after year, vegetarians 1221 01:33:13.199 --> 01:33:16.079 do not show improved health at all. In fact many in fact, it's 1222 01:33:16.159 --> 01:33:19.960 just the opposite. Now, that doesn't mean all meat you eat is good 1223 01:33:20.039 --> 01:33:25.840 for you either. There's a lot of crap out there, antibiotics and you 1224 01:33:25.920 --> 01:33:30.159 know, GMOs and all of that, But we're talking about if you eat 1225 01:33:30.239 --> 01:33:33.239 clean. On either end, it's better to eat, it's better not to 1226 01:33:33.319 --> 01:33:38.520 be a vegetarian. If health is your goal. If compassion is your goal, 1227 01:33:38.600 --> 01:33:41.640 that's a different story. I can't argue with you. But if health 1228 01:33:41.760 --> 01:33:45.199 is your goal, you're not going to get what you need. Truly, 1229 01:33:45.560 --> 01:33:48.760 the quit is healthy. But the question does come back to, you know, 1230 01:33:48.920 --> 01:33:53.079 they're growing this meat, if it actually is chicken, that seems like 1231 01:33:53.199 --> 01:33:57.960 it would be a great alternative to people that do do it for humanitarian reasons, 1232 01:33:58.079 --> 01:34:01.359 right, Actually, it wouldn't be humanitarian. That would be humans. 1233 01:34:02.359 --> 01:34:05.840 Well, I guess, well if they if they're doing it not to kill 1234 01:34:05.840 --> 01:34:11.800 animals, what would you call it humane? Yeah? Humane? Yeah, 1235 01:34:11.880 --> 01:34:15.640 yeah, so it would be kind of humanitarian. I think they could. 1236 01:34:15.840 --> 01:34:19.319 I wondered the same thing they did with chicken if they could do with veal. 1237 01:34:21.800 --> 01:34:25.439 I imagine they can do it with everything. If they can harvest the 1238 01:34:25.520 --> 01:34:28.239 cells, they can make the meat. But I mean, but but then, 1239 01:34:29.720 --> 01:34:32.159 but then all all the veal is is young beef. So I don't 1240 01:34:32.159 --> 01:34:35.399 know they would have to cultivate it and get it earlier. I am so 1241 01:34:35.640 --> 01:34:39.800 in the dark. I would love to talk to an expert on this. 1242 01:34:39.960 --> 01:34:44.039 By the way, if ever we can book an expert seriously on this kind 1243 01:34:44.039 --> 01:34:51.119 of food, I would love to more. Coming right up, go with 1244 01:34:51.239 --> 01:34:56.359 a sure thing Denver's best roofer Excel roofing dot com. You don't pay a 1245 01:34:56.479 --> 01:35:02.680 cent until you're content. Time for an insurance check up free, no obligation. 1246 01:35:02.760 --> 01:35:08.159 In comparison, call Compass Insurance paying too much your coverage at dozens of 1247 01:35:08.239 --> 01:35:12.199 insurance companies find out now three all three seven seven to one help. You'll 1248 01:35:12.239 --> 01:35:15.000 think you're his only customer when you choose Frank durand the real estate Man dot 1249 01:35:15.079 --> 01:35:19.800 com to list your home with Remax Alliance three all three nine two zero sixteen 1250 01:35:19.880 --> 01:35:32.199 twenty two. Hi tom Archino here at three oh three seven one three talk 1251 01:35:32.279 --> 01:35:36.560 three oh three seven one three eight two five five. Ryan's got a comment 1252 01:35:36.640 --> 01:35:40.960 on fake meat. It is lab grown and by the way, I found 1253 01:35:41.000 --> 01:35:45.680 out what they do. They literally grow these cells, and these cells are 1254 01:35:46.479 --> 01:35:51.079 on dishes and they're fed food or in an environment of liquid, and then 1255 01:35:53.079 --> 01:35:57.520 they become meat. They grow and grow and grow and grow, and then 1256 01:35:57.880 --> 01:36:02.239 it's it's uh, it's harvested, it's cut off and and used. I 1257 01:36:02.319 --> 01:36:06.439 mean, it's crazy. And I don't know. I didn't get it into 1258 01:36:06.560 --> 01:36:10.920 deep during my reading here. I don't know how they get light from dark 1259 01:36:11.000 --> 01:36:15.199 meat or any of that. But Ryan, what is your content? I 1260 01:36:15.399 --> 01:36:17.479 just had a funny comment, you know, for the Bill Gates and the 1261 01:36:17.560 --> 01:36:21.880 alarmists of the cow farts and all that. Yeah, well they're they're the 1262 01:36:23.039 --> 01:36:27.600 church of It's a church man. It has every marking of a religion. 1263 01:36:27.720 --> 01:36:31.039 Go ahead, right, And so my comment is I've been around cows my 1264 01:36:31.079 --> 01:36:34.920 whole life. I would sit in a garage full of four cows all night, 1265 01:36:35.439 --> 01:36:39.720 and Bill Gates can sit in the car with it running all night and 1266 01:36:39.760 --> 01:36:45.000 see who comes out tomorrow. Okay, so you're saying you can breathe, 1267 01:36:45.119 --> 01:36:47.199 you can breed the farce, but you can't breed the car's gas, right 1268 01:36:47.760 --> 01:36:50.560 Yeah. So I mean and then all the airplanes. I mean, there's 1269 01:36:50.560 --> 01:36:54.800 a lot more pollutants. And I agree with you. I'm pretty much down 1270 01:36:54.800 --> 01:36:58.039 the middle. We should all be well, yeah, we have to be 1271 01:36:58.119 --> 01:37:00.600 good stewards of the earth. I don't think anyone thinks we should destroy our 1272 01:37:00.640 --> 01:37:03.520 earth, I mean, and our air and our water or any of that. 1273 01:37:03.880 --> 01:37:08.720 I'm all for that I'm not talking about when I talk about climate change. 1274 01:37:09.000 --> 01:37:13.840 It is way beyond, way beyond that. I mean truly, way 1275 01:37:13.920 --> 01:37:17.359 beyond that. These people that are truly into it, if you really talk 1276 01:37:17.439 --> 01:37:20.520 to them, they want to do a way with industry. They want to 1277 01:37:20.840 --> 01:37:26.199 literally go back in time. Literally. They won't tell you that upfront, 1278 01:37:26.640 --> 01:37:29.560 just like some of these religions won't tell you, Oh, well, this 1279 01:37:29.760 --> 01:37:32.920 is what really we believe. You know, we're going to become aliens on 1280 01:37:33.039 --> 01:37:36.359 another planet and have our own planet and you know whatever, and we're going 1281 01:37:36.439 --> 01:37:41.079 to grow little children in gardens. I mean, there are certain things you're 1282 01:37:41.079 --> 01:37:44.479 not going to be told about anything until you get deep into it. But 1283 01:37:45.319 --> 01:37:50.199 anyway, the cultivated go ahead. Oh just another small fact. The family 1284 01:37:50.319 --> 01:37:57.840 farm has shrunked greatly from the forties through today. We're producing, you know, 1285 01:37:58.000 --> 01:38:01.359 all our food on two percent of ownership of farmers and ranchers. Isn't 1286 01:38:01.399 --> 01:38:06.119 that amazing that we're able to produce and do all this food for everybody that's 1287 01:38:06.159 --> 01:38:11.039 complaining about how bad agriculture is. By the way, here's the thing. 1288 01:38:12.039 --> 01:38:15.079 Once I'm telling you, if they had their way, we would also be 1289 01:38:15.199 --> 01:38:20.479 eating bugs. You will not believe the plans that the Church of Climate Change 1290 01:38:20.520 --> 01:38:24.079 has. Now there are a lot of people say, well, we got 1291 01:38:24.159 --> 01:38:28.520 to do something for climate change. And again, I'm not taking a stand 1292 01:38:28.560 --> 01:38:31.319 on climate change right now, I'm talking about the Church of Climate Change and 1293 01:38:32.399 --> 01:38:38.000 yeah, just like you know, it's just like any other church. It's 1294 01:38:38.079 --> 01:38:41.840 just like any other faith. They have their demons, they have, you 1295 01:38:41.920 --> 01:38:45.840 know, the god of technology, or of cutting back and going back in 1296 01:38:45.920 --> 01:38:49.439 time. It really is hard. I'm not going to criticize people's beliefs ever, 1297 01:38:49.760 --> 01:38:55.800 but what I'm saying is there's got to be stuff we can do without 1298 01:38:55.880 --> 01:38:58.720 being crazy. Right, So what do you think about the meat? I 1299 01:38:58.800 --> 01:39:02.199 mean, would you I was going to get when they came out with the 1300 01:39:02.279 --> 01:39:05.760 Impossible Burger. I tried it. It wasn't the same. Yes, it 1301 01:39:05.880 --> 01:39:09.520 was similar, but you know, they put all the sauces on stuff like 1302 01:39:09.600 --> 01:39:13.159 that you can't even really tell, which is fine whatever, But I'm a 1303 01:39:13.239 --> 01:39:15.720 meat person. I'd rather eat the natural beef. When you put all those 1304 01:39:15.800 --> 01:39:18.680 together and they grow the meat and the petri dish, you still have to 1305 01:39:18.720 --> 01:39:23.840 add fillers and you know, all the preservatives and all the stuff that's bad 1306 01:39:23.880 --> 01:39:26.800 for you anyway, all the red dye forties and the yellow forties. You 1307 01:39:26.840 --> 01:39:30.479 know, all that goes into the science is making the meat. So when 1308 01:39:30.520 --> 01:39:33.079 they go into all this impossible burger is going to be better for you. 1309 01:39:33.199 --> 01:39:38.920 Well not really when you look at the science of everything and all the dyes 1310 01:39:38.960 --> 01:39:41.439 and the preservers they have to put it in there to make it look like 1311 01:39:41.560 --> 01:39:44.960 a real piece of beef. Yeah, but here a lot of people are 1312 01:39:45.000 --> 01:39:47.119 eating that stuff because they don't want to see any animals killed. So I 1313 01:39:47.199 --> 01:39:50.239 mean, it's just a whole different argument. It's a whole different argument. 1314 01:39:50.279 --> 01:39:55.159 But by the way, I just want to say something about what's funny about 1315 01:39:55.239 --> 01:40:00.439 vegetarians is that they bend over backwards trying to make stuff like meat. So 1316 01:40:01.039 --> 01:40:08.800 what's amazing is is they come out with stuff for vegetarians to mimic meat. 1317 01:40:09.319 --> 01:40:12.920 Now, if they truly, you know, it's weird. So so it's 1318 01:40:13.000 --> 01:40:16.600 like, I mean, how crazy is that? You know, you know, 1319 01:40:16.960 --> 01:40:20.399 we know pedophilia is bad, but here's a doll. I mean, 1320 01:40:20.680 --> 01:40:27.720 it's like it's like a substitute for some It's a long what I'm saying is 1321 01:40:27.960 --> 01:40:31.279 if you hate the idea of meat, why do you want the taste? 1322 01:40:31.319 --> 01:40:34.760 Why do you want the texture? Why do you want everything? Meat offers 1323 01:40:35.039 --> 01:40:39.840 the protein, but yet you don't want the meat. It just seems like 1324 01:40:39.960 --> 01:40:44.800 you said for compassionate reasons. Maybe that's why. So those who those who 1325 01:40:44.880 --> 01:40:48.960 avoid meat for compassionate reasons, they might say, Okay, you know I 1326 01:40:49.119 --> 01:40:53.840 want I love meat, I just won't eat it, just like people love 1327 01:40:53.960 --> 01:40:56.640 ice cream, but they can't eat it because it'll make them fat. So 1328 01:40:56.720 --> 01:41:11.079 anyway, we have more coming up on the Troubleshe show a night, Tom 1329 01:41:11.119 --> 01:41:15.439 Martino, You're real three seven one three talk seven one three eight two five 1330 01:41:15.600 --> 01:41:20.279 five. Hey Jay, what's happening? What's going on? Tom? I 1331 01:41:20.359 --> 01:41:24.880 have an idea for a business, and I'll tell you why, because I 1332 01:41:24.960 --> 01:41:30.439 think there's one part of the automotive industry that people get screwed a lot. 1333 01:41:30.560 --> 01:41:33.880 They get ripped off, and even good shops charge way more than they should 1334 01:41:34.079 --> 01:41:39.680 because they can. Yeah, like you can go get your brakes done at 1335 01:41:39.760 --> 01:41:45.960 only a break place. I think air conditioning needs someone to do air conditioning 1336 01:41:45.239 --> 01:41:53.159 only because that is a spot where you get charged so much for something so 1337 01:41:53.479 --> 01:41:58.439 simple. But you get your head knocked off every darn time, and you 1338 01:41:58.600 --> 01:42:03.920 think that's because wait, you think that's because the shop doesn't specialize. I 1339 01:42:04.000 --> 01:42:10.760 think if somebody specialized in it, they could. They could have franchises everywhere 1340 01:42:11.000 --> 01:42:15.600 just doing air conditioning, because it's it's huge, I mean everybody. But 1341 01:42:15.760 --> 01:42:18.239 why would that But I understand what you're saying. Why would that make it 1342 01:42:18.880 --> 01:42:24.840 cheaper or less expensive. You still have the materials, and you still have 1343 01:42:24.960 --> 01:42:28.640 the labor, you still have the plant, So what would be cheaper. 1344 01:42:30.640 --> 01:42:35.520 Here's the thing. People charge exorbitant amounts to work on air conditioning. It 1345 01:42:35.640 --> 01:42:39.239 doesn't have to be that way. Well, don't you think it's their normal 1346 01:42:39.319 --> 01:42:43.960 shop rate? I don't understand. I don't think they up the charge r 1347 01:42:44.239 --> 01:42:46.359 No, no, no, no, no, it's not by the hour 1348 01:42:46.880 --> 01:42:49.560 generally. Okay, I want to get I want to get one of our 1349 01:42:49.600 --> 01:42:55.479 shops on to talk. I mean I'd like to know that, George, 1350 01:42:55.960 --> 01:42:59.880 go ahead, Sorry, I don't think it costs any less. Look, 1351 01:43:00.039 --> 01:43:02.159 if this place special it, actually it would actually cost more. And the 1352 01:43:02.239 --> 01:43:08.680 reason why is because they would only do that so their clients would only be 1353 01:43:08.800 --> 01:43:11.640 paying for that service. They would still have to cover all their overhead, 1354 01:43:11.640 --> 01:43:15.880 their building in place where they know and so that's what that's what's being missed 1355 01:43:15.920 --> 01:43:19.960 here. And so if you he likened it to transmissions, which are much 1356 01:43:20.119 --> 01:43:26.560 more widespread and have moork, you see with acs, I don't think there's 1357 01:43:26.760 --> 01:43:30.680 enough work for a special office. That's what I was going to say. 1358 01:43:30.760 --> 01:43:33.039 So there's not enough demand and therefore you don't actually have to charge more to 1359 01:43:33.079 --> 01:43:35.560 cover your overhead. I mean, who knows. We might be wrong, 1360 01:43:35.640 --> 01:43:40.159 but I mean I'm just thinking, I just can't know. There was Hey, 1361 01:43:40.239 --> 01:43:43.119 guys, and George will remember this, and I know Tom will. 1362 01:43:43.479 --> 01:43:46.279 There was a model someone tried to start, probably about spent five or ten 1363 01:43:46.359 --> 01:43:50.640 years. But basically you would buy your AC unit for you know, is 1364 01:43:50.760 --> 01:43:56.199 cheap as cheap guests, almost a wholesale price, and you would buy it 1365 01:43:56.399 --> 01:44:00.279 on the internet and basically it would be deliberty and they would send someone out. 1366 01:44:00.720 --> 01:44:03.840 Oh yeah, that you you're talking about homemac now, right, think 1367 01:44:03.920 --> 01:44:08.560 let's call Kevin Coking on by the way, let's get shared. My point 1368 01:44:08.720 --> 01:44:12.880 is, go with a sure thing Denver's best roofer, excel roofing dot com. 1369 01:44:13.039 --> 01:44:18.840 You don't pay a cent until you're content time for an insurance check up 1370 01:44:18.920 --> 01:44:25.319 free, no obligation comparison call Compass Insurance paying too much your coverage at dozens 1371 01:44:25.319 --> 01:44:29.399 of insurance companies find out now three oh three seven seven one help. You'll 1372 01:44:29.439 --> 01:44:32.199 think you're his only customer when you choose Frank durand the real estate Man dot 1373 01:44:32.319 --> 01:44:38.000 com to list your home with Remax Alliance three oh three nine two zero sixteen 1374 01:44:38.079 --> 01:44:57.279 twenty two ripped So you don't have as we can. Shoot's gonna help come. 1375 01:44:58.880 --> 01:45:04.000 This is the Trouble Shooter Show. No Tom Martino, Hi, Tom 1376 01:45:04.079 --> 01:45:09.520 Martino here, Welcome to the show. Three oh three seven one three talk 1377 01:45:09.600 --> 01:45:13.640 seven one three eight two five five. What's on your mind today? We 1378 01:45:13.840 --> 01:45:19.399 have my moneymway dot com. Now we have Jordan with us, and Jordan 1379 01:45:19.560 --> 01:45:25.039 is with Joe Kiano. I love how they're actually father sons, of course, 1380 01:45:25.159 --> 01:45:27.439 Yeah, I do, man, I honestly, God do we have 1381 01:45:27.520 --> 01:45:30.680 a lot of businesses on our referral list like that Excel roofing. Yeah. 1382 01:45:31.239 --> 01:45:35.359 So anyway, Joe Jordan is here, and then Jordan is going to be 1383 01:45:35.439 --> 01:45:43.279 at the movie as well, and we're talking about the retirement dilemma. And 1384 01:45:43.359 --> 01:45:45.920 I want to make sure people know that this is a These are real case 1385 01:45:45.960 --> 01:45:50.000 studies, by the way, in case histories of what happens with people and 1386 01:45:50.079 --> 01:45:57.680 what can happen to you. Now again, it's April ninth amc Southlands. 1387 01:45:57.960 --> 01:46:00.119 There's no charge, it's complimentary, but we that you reserve a seat, 1388 01:46:00.600 --> 01:46:04.840 so you get one. My moneymyway dot com three oh three seven seventy nine 1389 01:46:06.000 --> 01:46:12.640 sixty six hundred and uh. I'm gonna give some opening remarks and we're going 1390 01:46:12.680 --> 01:46:17.720 to watch a movie Jordan. As far as annuities, right now, I 1391 01:46:17.960 --> 01:46:23.439 was told fixed index annuities, and by the way, that's not the only 1392 01:46:23.479 --> 01:46:26.359 thing in the world people do. Okay, I'm not gonna lie to people. 1393 01:46:26.399 --> 01:46:28.920 They shouldn't have all their money on annuity. They should have all their 1394 01:46:28.960 --> 01:46:32.840 money and stocks. They shouldn't have all their money in anything, but they 1395 01:46:32.880 --> 01:46:38.720 should certainly. I believe in everybody's portfolio there's room for an annuity, truly, 1396 01:46:39.199 --> 01:46:42.319 and I'm following my own advice. But now here's what I here's what 1397 01:46:42.359 --> 01:46:45.319 I want to know though lately because of interest rates, and this is what 1398 01:46:45.399 --> 01:46:49.119 I don't fully understand. I'm told it's one of the best times in the 1399 01:46:49.159 --> 01:46:51.840 world to buy an annuity and I did, by the way, So you 1400 01:46:53.000 --> 01:46:59.279 get a big bonus going in and then you get really good returns and they're 1401 01:46:59.399 --> 01:47:03.239 locked in. So why do annuity companies lock in things that they know are 1402 01:47:03.319 --> 01:47:06.079 not permanent? In other words, they say, yeah, buy now while 1403 01:47:06.079 --> 01:47:09.840 the rates are up, And you think, why is that? Why? 1404 01:47:10.279 --> 01:47:17.239 Why do whys insurance companies that sell annuities? Why do they bank on the 1405 01:47:17.359 --> 01:47:20.760 present? It's a great question, you know, yeah, why do they 1406 01:47:20.800 --> 01:47:26.479 do it? You got to think annuity companies their life insurance companies. Basically, 1407 01:47:26.560 --> 01:47:29.279 you know, they're born to make money. But the key thing is 1408 01:47:29.520 --> 01:47:32.960 is about three you know, third to two thirds of the money that's invested 1409 01:47:33.039 --> 01:47:36.000 in bonds. You know, this is how they can guarantee interest rates at 1410 01:47:36.000 --> 01:47:40.079 a certain rate. And then the other third to two thirds, if you 1411 01:47:40.199 --> 01:47:44.000 depend on which company is going to be more in those you know your buying 1412 01:47:44.079 --> 01:47:47.079 puts in stocks. So to your question, when interest rates are high on 1413 01:47:47.159 --> 01:47:49.199 these bonds, when they're in a good place, this is why people are 1414 01:47:49.199 --> 01:47:54.239 saying buy now, because you can lock those rates in and they won't change 1415 01:47:54.560 --> 01:47:58.279 if based on certain annuities. So they're great to have the high interest rate 1416 01:47:58.359 --> 01:48:01.000 locked in like a cyd almost but you still get that growth in the s 1417 01:48:01.079 --> 01:48:04.199 and P five hundred the market, and you can get higher and higher as 1418 01:48:04.239 --> 01:48:09.279 you go forward. But the guarante because it's indexed on those correct And the 1419 01:48:09.359 --> 01:48:12.840 point I want to make is when you make a gain, it can't go 1420 01:48:13.039 --> 01:48:15.239 backwards ever, right, I mean once it locks in. You're absolutely right, 1421 01:48:15.239 --> 01:48:18.399 it's like a stairway up sideways, up sideways. You'll never see it 1422 01:48:18.479 --> 01:48:23.159 go backwards like a four to one k. And you're I want to make 1423 01:48:23.199 --> 01:48:27.399 one comment to your your the beginning statement, You're absolutely right. Not everybody 1424 01:48:27.439 --> 01:48:30.039 should have all their ages in one basket, you know. And you've got 1425 01:48:30.159 --> 01:48:33.239 to have a foundation. And that's what we believe. This is a guaranteed 1426 01:48:33.279 --> 01:48:38.560 foundation so that you can count on some money and retirement in addition to social 1427 01:48:38.560 --> 01:48:41.880 security, and then have some money in the four to one k's the market 1428 01:48:41.960 --> 01:48:45.119 maybe to get some chances to make it a lot more. Now I'm going 1429 01:48:45.199 --> 01:48:49.560 to tell you something that sounds crazy, but honest to god it I was 1430 01:48:49.600 --> 01:48:56.560 talking to this woman and I said, your home has gone so much in 1431 01:48:56.720 --> 01:49:00.600 value you paid it down next to nothing. Now I'm not giving this advice. 1432 01:49:00.680 --> 01:49:05.439 I don't want people listening to run out news. But we put some 1433 01:49:05.560 --> 01:49:09.760 paper to it and pencil and it was weird how good it came out. 1434 01:49:11.640 --> 01:49:17.399 She could get a million dollars on a reverse mortgage. Now before people say, 1435 01:49:17.439 --> 01:49:24.600 oh my god, well, now listen, that loan is accruing at 1436 01:49:24.600 --> 01:49:29.920 a very low I mean, when you okay, you take that million. 1437 01:49:29.920 --> 01:49:33.319 You can take that million dollars and put it in an annuity. It will 1438 01:49:33.439 --> 01:49:40.680 outpace the reverse loan. But she doesn't want to. I told her, 1439 01:49:40.800 --> 01:49:43.359 you don't do this if you want to keep your house forever or pass it 1440 01:49:43.439 --> 01:49:49.800 on to your kids when you are ready to retire to somewhere smaller or even 1441 01:49:49.840 --> 01:49:56.960 assisted living or whatever. This annuity has long term care built into it, 1442 01:49:57.399 --> 01:50:00.479 plus income plus income, right right, Jordan, that is correct, And 1443 01:50:00.720 --> 01:50:06.560 now listen to this benefit. She can go and move her house will never 1444 01:50:06.680 --> 01:50:11.720 be negative. If it is, she gives it back to the lender. 1445 01:50:12.479 --> 01:50:15.960 It's you know, that's what reversed. But if it's more, she gets 1446 01:50:15.039 --> 01:50:19.680 that money, pays off the reverse or leaves the house either way, and 1447 01:50:19.920 --> 01:50:27.439 then has guaranteed income for life of I think it turned out to be like 1448 01:50:27.520 --> 01:50:30.960 one hundred and twenty five thousand dollars a year on top of social Security what 1449 01:50:31.359 --> 01:50:35.880 he mentioned the death benefit. So you get in Tom's example, they're getting 1450 01:50:35.920 --> 01:50:40.359 the social Security, they're getting this you know, paycheck or guaranteed payment for 1451 01:50:40.439 --> 01:50:44.640 life. What is a death benefit? Does that equal the initial investment or 1452 01:50:44.680 --> 01:50:46.600 how does that work? That grows with the with the product. So as 1453 01:50:46.680 --> 01:50:49.720 it gets higher, let's say it starts out at a million in this example 1454 01:50:49.800 --> 01:50:54.079 and continues to go to one point five, one point seven to two if 1455 01:50:54.119 --> 01:50:56.760 she passed it in those points, as it gets bigger or in the beginning, 1456 01:50:56.960 --> 01:51:00.279 so the owners still end up getting a big chunk. Cops. Oh 1457 01:51:00.359 --> 01:51:04.359 and I forgot to mention going in that one million turns into one point three 1458 01:51:04.479 --> 01:51:11.199 or something yep, or one point twenty five incredible automatically. Yeah. And 1459 01:51:11.600 --> 01:51:15.119 so here's what I want to know is that death men when we tell people 1460 01:51:15.199 --> 01:51:16.760 because she said, what happens if I die and I still have money in 1461 01:51:16.840 --> 01:51:21.399 my account? And I was always told whatever's left on the table goes to 1462 01:51:21.439 --> 01:51:25.279 your errors. Is that right? That is correct? Yes, there is 1463 01:51:25.359 --> 01:51:29.439 that hold on, but this is an important question. Is that in addition 1464 01:51:30.239 --> 01:51:35.199 to the death benefit or is that what the death benefit is? Uh? 1465 01:51:35.319 --> 01:51:39.239 I think I understand what you say. It would just be whatever the account 1466 01:51:39.359 --> 01:51:43.479 value is. So whatever's in the account is death benefit, you know. 1467 01:51:43.600 --> 01:51:46.119 So okay, got it. So it's not a death benefit plus the account 1468 01:51:46.239 --> 01:51:49.359 balance, it's okay. Yeah, And it's important at this point too. 1469 01:51:49.600 --> 01:51:54.720 As they're taking money, that death benefit goes down as the income is coming 1470 01:51:54.800 --> 01:51:58.079 out, and so that's It's not like life insurance death benefit, right, 1471 01:51:58.239 --> 01:52:02.279 it's not. Yep, And people still have life insurance along with correct an 1472 01:52:02.279 --> 01:52:05.399 annuity. But as I said, again, I'm not telling people to go 1473 01:52:05.439 --> 01:52:09.439 out and get a reverse loan and put on and do that. But I'm 1474 01:52:09.479 --> 01:52:14.439 saying that there are ways you can do stuff like this that are that It's 1475 01:52:14.600 --> 01:52:18.079 just incredible that Tom, you mentioned the health benefit. I mean, how 1476 01:52:18.119 --> 01:52:23.159 does that work. If you're getting let's say, let's say whatever you do 1477 01:52:23.239 --> 01:52:26.560 an annuity, and you decide to do that paycheck for life instead of a 1478 01:52:26.640 --> 01:52:30.399 cash out on it. When you finally pull that trigger, and you don't 1479 01:52:30.479 --> 01:52:33.399 get free. If you're getting three thousand a month, yep, and then 1480 01:52:33.399 --> 01:52:36.279 all of a sudden you get sick, what happens you get double. So 1481 01:52:36.560 --> 01:52:40.600 it can be in your house or it can be at a facility, they 1482 01:52:40.640 --> 01:52:43.920 will pay two times whatever that income is. And then but how do you 1483 01:52:44.039 --> 01:52:46.079 qualify for that? You've got to have like cancer and you're dying or what, 1484 01:52:46.479 --> 01:52:49.560 just the same qualifications. Just like any other life, there's certain it's 1485 01:52:49.680 --> 01:52:55.319 activities you can't do on a daily basis, like eating, bathing, dressing. 1486 01:52:55.359 --> 01:52:58.960 There's six daily activities living just like any of that you can't That is 1487 01:52:59.039 --> 01:53:00.600 not that you can't do them, you can't do them without assistance. Correct. 1488 01:53:00.720 --> 01:53:03.520 And here's the other thing though, I want to make this clear again, 1489 01:53:03.600 --> 01:53:08.520 Jordan, when we talk about the So this woman or this if she's 1490 01:53:08.560 --> 01:53:11.439 going to have like one hundred and twenty thousand a year coming in, you're 1491 01:53:11.520 --> 01:53:15.279 not telling me you can get a long term care a rider that would pay 1492 01:53:15.600 --> 01:53:18.640 two hundred forty. It doesn't double, It doesn't have a limit. No, 1493 01:53:19.359 --> 01:53:24.600 it doubles truly to the payout of whatever she takes out. So if 1494 01:53:24.720 --> 01:53:28.039 you go so, if she's getting ten grand a month, twenty grand is 1495 01:53:28.119 --> 01:53:30.319 literally too. She'll get twenty grand a month. You got it, yep. 1496 01:53:30.439 --> 01:53:33.600 And that's why it's important to say that exact number that would probably be 1497 01:53:34.000 --> 01:53:38.199 enough to cover longer care in her case, absolutely. People don't understand that 1498 01:53:38.319 --> 01:53:42.319 though they, honest to God, don't understand the power of an annuity. 1499 01:53:42.680 --> 01:53:45.560 But then a lot of people don't have a million bucks either put in it, 1500 01:53:45.880 --> 01:53:47.479 but you have. It doesn't have to be a million. It can 1501 01:53:47.560 --> 01:53:51.000 be one, one hundred thousand, it can be fifty, it can be 1502 01:53:51.079 --> 01:53:55.840 whatever. The longer it festers, the better. And whatever you put in 1503 01:53:56.279 --> 01:53:59.920 right now, depending on the plan, is getting anything from a fifteen percent 1504 01:54:00.159 --> 01:54:03.119 bump up front to a twenty five to some of them had a thirty percent 1505 01:54:03.239 --> 01:54:08.760 bump up front. So man, you're I mean, you're you're right on 1506 01:54:08.880 --> 01:54:11.119 tom And I just want to make one last comment to your to your house 1507 01:54:11.199 --> 01:54:15.880 point. This is so powerful because why would you. I'm a big believer 1508 01:54:15.960 --> 01:54:18.760 nowadays my mentality shift. Why pay off a house now? I mean honestly, 1509 01:54:18.920 --> 01:54:21.479 that is your groceries, that is your gas, that is your money 1510 01:54:21.520 --> 01:54:25.640 inside the walls, And so you hit it right on the head. Need 1511 01:54:25.720 --> 01:54:29.439 that access to equity if you're not gonna leave it, You're right. If 1512 01:54:29.520 --> 01:54:31.640 this is not part of your estate, you're leaving to someone. There's no 1513 01:54:31.880 --> 01:54:34.800 reason to have equity when you die, right, And why pay you? 1514 01:54:34.960 --> 01:54:38.079 Why get off the bank's ledger. You know, if you have a good 1515 01:54:38.119 --> 01:54:42.439 interest rate, it doesn't matter because the equity go up or down whether you 1516 01:54:42.560 --> 01:54:45.199 owe or not. So we're taking your calls, by the way on anything 1517 01:54:45.319 --> 01:54:49.039 three oh three seven one three talks seven one three eight two five five. 1518 01:54:49.039 --> 01:54:53.520 I got to remind you keep calling three oh three Martino as well, and 1519 01:54:53.640 --> 01:54:56.760 you can always leave a number on that number twenty four to seven and then 1520 01:54:56.800 --> 01:55:00.159 we'll get back to you on it. Now, George, when we're talking 1521 01:55:00.199 --> 01:55:06.640 about HVAC by the way and the heating season coming, what I want to 1522 01:55:06.680 --> 01:55:14.399 know is does it really does it really get to a point where you do 1523 01:55:14.560 --> 01:55:19.840 people really wait that long? And and they only call when it's understrain of 1524 01:55:19.960 --> 01:55:25.079 ninety degrees raating? I mean it just happens all the time. How many 1525 01:55:25.159 --> 01:55:28.640 years you've been doing this? Why don't people learn to call when they don't 1526 01:55:28.760 --> 01:55:32.000 have extreme heat or extreme cold? Well, it's not that they wait tom 1527 01:55:32.239 --> 01:55:35.319 most of them, I mean some are, but most don't plan to actually 1528 01:55:35.359 --> 01:55:38.640 do anything about it. And the reason why is because they've had it done 1529 01:55:38.680 --> 01:55:42.760 before, not not us, not cleaning, and they don't they feel like 1530 01:55:42.800 --> 01:55:44.840 someone's just going to come try to sell them, which is true with our 1531 01:55:44.880 --> 01:55:47.000 competitor. It's not true with us that they're just looking for something to sell. 1532 01:55:47.520 --> 01:55:51.640 They're not. They don't understand the cleaning. We really actually clean it 1533 01:55:51.760 --> 01:55:58.159 and aren't looking for something to sell. So if if you have a system, 1534 01:55:59.479 --> 01:56:01.680 does the extreme and I know this sounds silly, but if you have 1535 01:56:01.800 --> 01:56:08.039 an AC and you turn it on and it's ninety degrees or it's eighty degrees 1536 01:56:08.680 --> 01:56:11.479 or it's seventy six degrees, you want to make it cooler? Whatever? 1537 01:56:12.319 --> 01:56:15.039 Does that put more of a strain on a system? Do you do problems 1538 01:56:15.119 --> 01:56:19.079 come out the more they work? Yeah, it's all operating hours, absolutely 1539 01:56:19.239 --> 01:56:23.600 and looking I mean, but it's temperature a factor. In other words, 1540 01:56:23.960 --> 01:56:28.840 I think that they're all running right. So does it really work that much 1541 01:56:29.119 --> 01:56:32.560 harder or does it just work longer? So today, if your AC turns 1542 01:56:32.600 --> 01:56:36.399 on, I I mean, let's assume it does. Today. Today's actually 1543 01:56:36.439 --> 01:56:40.279 the war mist day so far of this. But it won't promise seventy But 1544 01:56:40.560 --> 01:56:44.600 if you turn it on and it's working, it'll feel like it's working right, 1545 01:56:44.800 --> 01:56:47.119 but today versus ninety degree, if it's not working at its max, 1546 01:56:47.359 --> 01:56:49.880 if it's okay, it will feel very different. H okay, all right, 1547 01:56:50.000 --> 01:56:53.319 so that that's what the point is. It's not going to be cooling 1548 01:56:53.359 --> 01:56:56.960 as well. But anyway, we got all now Jay. I know, 1549 01:56:57.079 --> 01:57:00.359 Jay wanted to talk about his business idea and we were trying to run some 1550 01:57:00.840 --> 01:57:04.840 numbers behind the scenes. The one thing about specialty businesses is they do get 1551 01:57:04.880 --> 01:57:09.439 the market if they're good, but they have to have the volume to sustain 1552 01:57:09.560 --> 01:57:14.319 it and the spread. And I don't know, Jay said, I want 1553 01:57:14.399 --> 01:57:20.720 I think shops should specialize in AC AUTOAC is talking about automobile AC because it's 1554 01:57:20.760 --> 01:57:25.600 such a specialty and other shops charge so much about it. We're going to 1555 01:57:25.640 --> 01:57:30.000 talk to Kevin Culkin about it. I wanted to see it because because Jay 1556 01:57:30.079 --> 01:57:34.960 claimed that mechanics charge extra for AC work. It's always more expensive than regular 1557 01:57:35.039 --> 01:57:39.880 work. I want to talk about that and the viability of that business. 1558 01:57:39.880 --> 01:57:43.119 Plus, take any of your calls at three O three seven, one three 1559 01:57:43.159 --> 01:57:54.279 A two five five or three oh three Martino, go with a sure thing 1560 01:57:54.399 --> 01:57:58.840 Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're 1561 01:57:58.880 --> 01:58:04.840 content. Leave time for an insurance check up free, no obligation in comparison 1562 01:58:05.000 --> 01:58:11.039 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 1563 01:58:11.119 --> 01:58:14.159 now three all three seven seven to one. Help. You'll think you're his 1564 01:58:14.359 --> 01:58:17.279 only customer when you choose Frank durand the real estate man dot com to list 1565 01:58:17.359 --> 01:58:21.800 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1566 01:58:30.479 --> 01:58:34.960 Hi Tom Marshino here three oh three seven one three talk seven one three eight 1567 01:58:35.039 --> 01:58:42.039 two five five All right now, Kevin Colkin is with Sheridan Auto Tech. 1568 01:58:43.439 --> 01:58:48.159 Put a dot com on that, and anyway Shardan Auto Tech, Kevin Jay 1569 01:58:49.159 --> 01:58:51.840 and I don't know enough to disagree with Jay, by the way, I 1570 01:58:51.960 --> 01:58:56.680 know about basic business. But Jay was thinking, you know, Tom, 1571 01:58:57.119 --> 01:59:00.960 I think it would be a great business idea to have shops that specialize just 1572 01:59:01.079 --> 01:59:05.760 in air conditioning, and maybe we should extend that to the to the ventilation 1573 01:59:05.960 --> 01:59:10.640 system, maybe where they clean out the filters and the air and all that. 1574 01:59:11.079 --> 01:59:15.840 But in any case, his reasoning was getting air conditioning work done. 1575 01:59:15.680 --> 01:59:19.159 Jay, why don't you finish it? What was your reasoning for this? 1576 01:59:20.600 --> 01:59:25.319 Well, basically, there's so much of it, and it is one thing 1577 01:59:25.399 --> 01:59:29.920 where I notice because I used to be an automotive. People always ask me 1578 01:59:30.039 --> 01:59:33.640 for help that the quotes they did are crazy high. It's not like, 1579 01:59:33.800 --> 01:59:36.600 yeah, well you know, it's by the hour, it's not. They 1580 01:59:36.720 --> 01:59:42.000 charge a certain amount to empior system, a certain amount to put dye in 1581 01:59:42.119 --> 01:59:45.479 a certain amount, you know, and by the time you're done. It's 1582 01:59:45.520 --> 01:59:49.800 a really expensive thing that a specialist could do over and over and over and 1583 01:59:49.880 --> 01:59:54.159 make a great living doing. So are you saying it's more expensive because they 1584 01:59:54.199 --> 01:59:58.479 don't do enough of them where a specialist would have the efficiency of volume? 1585 01:59:59.680 --> 02:00:01.880 Oh? Absolutely, What do you do the other nine months out of the 1586 02:00:01.960 --> 02:00:04.279 year. Well, that's what I was going to want to do that in 1587 02:00:04.319 --> 02:00:10.600 Arizona. Maybe no, no, no, no, in Arizona. I 1588 02:00:10.760 --> 02:00:14.479 see there's not enough. There really isn't a lot of air conditioning work like 1589 02:00:14.560 --> 02:00:17.319 you think there is. Jac, Well, there is, because I'm actually 1590 02:00:17.359 --> 02:00:21.399 involved in this stuff. But part of part of your heating system on the 1591 02:00:21.479 --> 02:00:27.279 modern car, it's all. Well, the chats lying because of all the 1592 02:00:27.800 --> 02:00:34.279 all the automotive service air conditioning was less than five percent. Five percent the 1593 02:00:34.319 --> 02:00:41.079 automotive industry is less than five percent. Do you understand? But but could 1594 02:00:41.119 --> 02:00:45.079 you run a business on that and now because you're assuming you're going to get 1595 02:00:45.079 --> 02:00:46.800 all of it, you're not going to get all of it, you know, 1596 02:00:47.640 --> 02:00:53.159 whereas transmission work is more like forty or forty to fifty percent of all 1597 02:00:53.319 --> 02:00:57.119 automotive and engines. I mean, I don't know. You weigh in on 1598 02:00:57.199 --> 02:00:59.960 it, Kevin. Do you charge more because you don't do it that all 1599 02:01:00.000 --> 02:01:01.479 often? Or is it your shop rate? How do you do it? 1600 02:01:02.239 --> 02:01:05.680 We have a set feet it's you know, depending on the price of free 1601 02:01:05.720 --> 02:01:10.199 on. It costs this much to charge the one thirty four eight cars, 1602 02:01:10.279 --> 02:01:14.439 it charges this much for the twelve thirty four cars. It's a flat you 1603 02:01:14.479 --> 02:01:17.560 know, labor plus free on. There's no variables to it. Well, 1604 02:01:17.760 --> 02:01:21.119 do you think it could be done cheaper? If you, Kevin, you're 1605 02:01:21.159 --> 02:01:26.800 in business, you're smart, if you specialized in ac could you bring those 1606 02:01:26.880 --> 02:01:31.800 prices down? No? No, Why if we're working on one today that 1607 02:01:32.000 --> 02:01:34.720 we looked at in October? So she decides said, the heck with, 1608 02:01:34.760 --> 02:01:39.960 I'm not going to fix it until summer, you know. So the car's 1609 02:01:40.000 --> 02:01:43.880 in here today from seven months ago that we first looked at it. And 1610 02:01:44.399 --> 02:01:46.680 what would you do the rest of the time of the year. Nothing? 1611 02:01:46.760 --> 02:01:49.760 I mean, there's nothing to do. Really, people don't fix their air 1612 02:01:49.840 --> 02:01:57.079 conditioning in the summer. They just don't. That's that's partially true. But 1613 02:01:57.199 --> 02:02:02.000 also the heating and cooling are are combined nowadays. Well no, that's why 1614 02:02:02.079 --> 02:02:05.359 I said, if you made it a ventilation heating, it like an HVAC, 1615 02:02:05.640 --> 02:02:11.560 basically business for cars. But I'm not. I don't see the volume 1616 02:02:11.640 --> 02:02:14.920 and I don't see the carge. And George made a good point. What 1617 02:02:15.600 --> 02:02:18.760 Kevin, You would still have your employees, you would still have workmen's comp 1618 02:02:18.840 --> 02:02:23.520 you would still have the building, you would still have all these other costs, 1619 02:02:23.840 --> 02:02:28.039 but only one stream of revenue compared to ten. Look what I found 1620 02:02:28.079 --> 02:02:31.279 with specialty in anything, medical or anything. You actually end up paying more 1621 02:02:31.279 --> 02:02:34.159 if you go to a specialist for anything. Is that true? Yeah? 1622 02:02:34.680 --> 02:02:39.119 I know, I know, I'm trying to get his reasoning why it would 1623 02:02:39.159 --> 02:02:44.399 be cheaper. Yeah, but there's so much the car. You know, 1624 02:02:44.520 --> 02:02:46.680 you have a heating system that's tied to the thermostat that's tied to the engine, 1625 02:02:46.680 --> 02:02:50.119 that's tied to you know, the electronics that go through the body control 1626 02:02:50.199 --> 02:02:55.800 module and everything else. So it's not a completely separate individual system. It's 1627 02:02:55.840 --> 02:03:00.199 integrated with other systems in the car, So it's not something you really special 1628 02:03:00.279 --> 02:03:03.920 argument, I don't think, Well you could have you added those other elements, 1629 02:03:03.960 --> 02:03:06.720 but then what the hell? Then then you add you may as well 1630 02:03:06.840 --> 02:03:12.600 just do auto auto maintenance and anyway, Yeah, I mean, I'm looking. 1631 02:03:12.680 --> 02:03:15.399 I don't mean to shoot down your ideas. Jay, I just don't 1632 02:03:15.520 --> 02:03:19.560 see the first of all, I can't even can I never had an air 1633 02:03:19.600 --> 02:03:24.439 conditioner worked on ever. I mean, and I've owned a lot of cars. 1634 02:03:24.479 --> 02:03:27.199 Now, I just don't know. I got to call bs on that 1635 02:03:27.800 --> 02:03:31.439 you dropped about ten grand on AC on that damn G wagon. No, 1636 02:03:31.600 --> 02:03:36.199 I didn't, Mark, it was you're talking about that time that, Yeah, 1637 02:03:36.279 --> 02:03:40.079 but that was something else. It was. Yes, AC was part 1638 02:03:40.119 --> 02:03:42.720 of the problem, but it wasn't just the AC, as Kevin said, 1639 02:03:43.159 --> 02:03:45.840 But I'm talking about air conditioning in itself. Have you ever had an air 1640 02:03:45.880 --> 02:03:49.239 conditioning problem? Mark? Yeah, but I owned shops. I have not 1641 02:03:49.760 --> 02:03:53.359 since I haven't owned shops, and you know, no, no, but 1642 02:03:53.560 --> 02:03:56.880 okay, when you own shops, how much was air conditioning work? Oh 1643 02:03:56.960 --> 02:04:01.560 my god? We would do what they called a evacuate and recharge. Was 1644 02:04:01.920 --> 02:04:04.439 this is like two things I'm asking No, No, I'm not asking how 1645 02:04:04.520 --> 02:04:09.319 much money, I'm asking the volume. Was there a lot percentage wise of 1646 02:04:09.399 --> 02:04:11.800 your work? Yeah, for like two months out of the year, we 1647 02:04:12.000 --> 02:04:17.760 might do I don't know, fifteen to twenty percent ac only for those months. 1648 02:04:17.800 --> 02:04:25.399 So okay, yep, which well, and but really and that's before 1649 02:04:25.479 --> 02:04:29.239 it did cost a fortune. Honestly, our average service back there that would 1650 02:04:29.319 --> 02:04:32.520 include die so we would make sure it didn't have leaks was like seventy nine 1651 02:04:32.560 --> 02:04:36.560 bucks man. But to Jay's point, Now, to Jay's point on pricing, 1652 02:04:38.159 --> 02:04:44.760 tire shops they have they specialize and make it and of course those wear 1653 02:04:44.800 --> 02:04:48.119 out all the time. But tire shops do it cheaper than regular shops, 1654 02:04:48.199 --> 02:04:51.239 Kevin, I mean, you can't compete with these tire shops. No. 1655 02:04:51.359 --> 02:04:55.840 I could sell tires way cheaper than Kevin could. There is no doubt about 1656 02:04:55.920 --> 02:05:00.640 that alone there. So that's where Jay's getting the idea of volume. Excuse 1657 02:05:00.720 --> 02:05:05.640 me of specialties being cheap or cheaper like, but what about breakshop to three 1658 02:05:05.720 --> 02:05:11.479 months a year? Man, Kevin, are there shops that just specialize in 1659 02:05:11.560 --> 02:05:15.359 breaks? Well, you know, the minas isn't just breaks. They don't 1660 02:05:15.520 --> 02:05:19.840 specialize, but they primarily do breaks and suspension. They don't do any any 1661 02:05:20.079 --> 02:05:26.039 and can they do it cheaper? Not necessarily No, okay, But but 1662 02:05:26.279 --> 02:05:30.159 tires would be one example. I don't think AC would reach that. Yeah, 1663 02:05:30.199 --> 02:05:32.000 but tires. Tires are a whole different deal man. I had to 1664 02:05:32.079 --> 02:05:36.239 spend in excess of a million bucks a year in tires just to get what 1665 02:05:36.359 --> 02:05:41.279 I call my waterfall money. If I didn't buy a million tires, most 1666 02:05:41.399 --> 02:05:45.439 years I could lose money on tires. I made all my profit coming back 1667 02:05:45.479 --> 02:05:49.399 from buying the tires. And Kevin unless if all you do, like discount 1668 02:05:49.479 --> 02:05:54.760 tire is really sell tires and tires only, it's hard to make money in 1669 02:05:54.840 --> 02:05:59.880 the tire business unless you got the volume absolutely and one shop. One shop 1670 02:06:00.039 --> 02:06:03.199 could never know Kevin would never buy a million dollars entires. I had five 1671 02:06:03.319 --> 02:06:08.119 shops. Yep. Now you end up buying tires at the end of the 1672 02:06:08.239 --> 02:06:12.319 year, you don't need to get your rebate. Oh I see, I 1673 02:06:12.439 --> 02:06:14.359 see, Okay, we got more coming up. I got to take a 1674 02:06:14.399 --> 02:06:15.479 break. Three oh three seven to one three talk. We have time for 1675 02:06:15.560 --> 02:06:18.560 plenty of calls. Three oh three seven, one three eight, two five 1676 02:06:18.680 --> 02:06:25.600 five or three oh three Martino go with a sure thing Denver's best roofer Excel 1677 02:06:25.720 --> 02:06:31.479 Roofing dot com. You don't pay a cent until you're content. Time for 1678 02:06:31.560 --> 02:06:35.880 an insurance check up free, no obligation. In comparison, call Compass Insurance 1679 02:06:36.039 --> 02:06:41.159 paying too much your coverage at dozens of insurance companies find out now three oh 1680 02:06:41.239 --> 02:06:44.880 three seven to seven to one help. You'll think you're his only customer when 1681 02:06:44.920 --> 02:06:47.640 you choose Frank durand the real estate Man dot com to list your home with 1682 02:06:47.800 --> 02:07:05.119 Remax Alliance three oh three nine two zero sixteen twenty two. Him Martino here 1683 02:07:05.199 --> 02:07:09.800 three h three seven one three Talks three oh three seven one three eight two 1684 02:07:09.880 --> 02:07:14.359 five five. Hey, speaking of midas and shops like that which Kevin was 1685 02:07:14.399 --> 02:07:16.000 talking about, how they try to specialize. We have Craig who has a 1686 02:07:16.079 --> 02:07:21.199 problem. Craig, what is your problem? Hey? Tom? Are you 1687 02:07:21.359 --> 02:07:26.000 yes? Sir? I am sir. What's happening? Well? I have 1688 02:07:26.159 --> 02:07:30.439 an older Honda that I had a crack and the flex pipe what year Honda? 1689 02:07:30.560 --> 02:07:35.199 Is it? A ninety seven Honda cord really nice shape? No rust? 1690 02:07:38.760 --> 02:07:43.920 Okay. One of those was the the flex pipe, which is downwards 1691 02:07:44.319 --> 02:07:48.479 of the catalytic converted of the muffler. Yeah, okay, I went. 1692 02:07:48.960 --> 02:07:54.319 I went to a Midas Nervada. They replaced that. The day I drove 1693 02:07:54.399 --> 02:07:58.960 it home. It rattled like a bucket of bolts, like a bucket of 1694 02:07:59.039 --> 02:08:03.479 bolts, like like did your cat go out or something? No, no, 1695 02:08:03.039 --> 02:08:09.479 there, something was wrong with their installation. I mean it vibration. 1696 02:08:09.960 --> 02:08:13.079 The vibration rattling is insane. So I took it, turned right around, 1697 02:08:13.520 --> 02:08:18.159 went back. The manager had already left the day. They said, leave 1698 02:08:18.199 --> 02:08:20.720 it with us overnight, we'll fix it. So I left, left overnight, 1699 02:08:20.840 --> 02:08:26.159 picked it up. The next day. They said, yeah, are 1700 02:08:26.199 --> 02:08:30.720 you still there, Craig, he was driving in that bucket of vaults. 1701 02:08:31.399 --> 02:08:35.800 Well, I think did we lose the call? Dog gone? Craig I 1702 02:08:35.880 --> 02:08:39.159 wanted, was going, man, okay, let's try to get him back. 1703 02:08:39.560 --> 02:08:43.800 And then whatever happened with the Kirby guy? Did we call that? 1704 02:08:45.079 --> 02:08:50.279 Cody Stingler from KRZ Systems, the salesperson, and he did not get his 1705 02:08:50.399 --> 02:08:56.880 refund for his Kirby he brought back during the right to rescind. So he's 1706 02:08:56.359 --> 02:09:01.039 going to call his bank again one last time to see if they will reverse 1707 02:09:01.159 --> 02:09:03.319 the charge, and then he's going to call us back and email us the 1708 02:09:03.439 --> 02:09:07.880 information of the seller or the guy who sold it to him. Okay, 1709 02:09:09.000 --> 02:09:13.439 thank you, that's good now, Craig just he got disconnected, right, 1710 02:09:15.279 --> 02:09:18.159 I'm not sure what happened. I'm trying to get him back though. Now 1711 02:09:18.760 --> 02:09:26.079 I want to talk to Jordan again about the movie coming up, And Jordan, 1712 02:09:26.399 --> 02:09:33.399 does this movie talk about social security? Yeah, it's it's just as 1713 02:09:33.439 --> 02:09:39.560 important topics that just talks about why we're in this social dilemma or find retirement 1714 02:09:39.600 --> 02:09:43.000 dilemma. So it does get a brief topic of that, but it's more 1715 02:09:43.079 --> 02:09:46.239 so just I would say, like a documentary almost you know, it's very 1716 02:09:46.760 --> 02:09:50.920 informative, it's very great information that every time that we've had this last what 1717 02:09:52.079 --> 02:09:54.319 was there as about six months ago? Three from what was it four months 1718 02:09:54.359 --> 02:09:56.920 ago? Everybody walked out of there. I truly was asking them because it 1719 02:09:58.000 --> 02:10:01.199 was new for us. They loved just have information that was digestible. They 1720 02:10:01.279 --> 02:10:05.079 understood what was going on financially. So it does top on all those topics. 1721 02:10:05.079 --> 02:10:07.760 Side. Was there any one item that you took away from it that 1722 02:10:07.840 --> 02:10:11.920 you liked? I'd say for me, uh, it was more just the 1723 02:10:13.199 --> 02:10:16.479 the annuities and talking about you know, how people can can use them. 1724 02:10:16.520 --> 02:10:20.399 And it talks about a family in particular. I don't know if you uh 1725 02:10:20.720 --> 02:10:22.079 guy stage with it, but it gives a real life example of a husband 1726 02:10:22.079 --> 02:10:24.199 and a wife. Now, yeah, I would say the wife was a 1727 02:10:24.239 --> 02:10:28.159 little everybody said she was a little harsh on him in the movie, but 1728 02:10:28.560 --> 02:10:33.079 it showed truly what would happen if they don't have this money when somebody passes 1729 02:10:33.119 --> 02:10:35.479 away. What would happen if they're relying just on Social Security? And that's 1730 02:10:35.520 --> 02:10:41.920 like to your point, social Security is just not enough for anybody to retire 1731 02:10:41.960 --> 02:10:46.359 on. Of course. Is the dilemma is people are only losing so security 1732 02:10:46.439 --> 02:10:48.680 nowadays and it's never been meant for time. It's a supplement, is it? 1733 02:10:48.880 --> 02:10:52.000 Like? I don't know how to put this besides putting it this way. 1734 02:10:52.119 --> 02:10:56.319 Is it a real movie or some guys standing on the screen? I 1735 02:10:56.359 --> 02:10:58.680 mean, is a production? Yeah, it is really good. No, 1736 02:10:58.760 --> 02:11:03.720 it is Hollywood type movie. It's a docudrama. There you go, that's 1737 02:11:03.760 --> 02:11:07.600 perfect term. It's a docu Jones because it's real facts, real information. 1738 02:11:07.800 --> 02:11:09.760 But it's it's not like a I would say, and I got I got 1739 02:11:09.840 --> 02:11:13.239 three emails last time you guys talked saying you didn't give the website out. 1740 02:11:13.279 --> 02:11:16.359 I thought you did for this now my money my way dot com, My 1741 02:11:16.600 --> 02:11:22.840 Moneymway dot com. And they see the trailer right there too. You know, 1742 02:11:22.319 --> 02:11:26.119 I think they can. I think you can sure my money my way 1743 02:11:26.199 --> 02:11:30.680 dot com. You know threel three seven seven nine sixty six hundred, Craig 1744 02:11:31.680 --> 02:11:35.199 listen, man, the Midas issue here, what did it turn out to 1745 02:11:35.319 --> 02:11:41.159 be? You had you had your uh, the the pipe repaired and or 1746 02:11:41.279 --> 02:11:48.399 replaced? Right? Replace correct? Okay, So at Midas and what did 1747 02:11:48.479 --> 02:11:52.880 it turn out to be did you find out? Well, the shop that 1748 02:11:52.960 --> 02:11:54.800 I have it in today, I had them look at I'm having to radiator 1749 02:11:54.880 --> 02:12:00.720 replace it at a shop in my neighborhood. I had them give me a 1750 02:12:00.800 --> 02:12:03.840 second opinion on that. They say, the baffling material in the resonator is 1751 02:12:05.000 --> 02:12:09.600 broken. So it's just it's you know, where is that Where is that 1752 02:12:09.840 --> 02:12:16.039 resonator in regards to in connection to the flex pipe they put on? Well, 1753 02:12:16.079 --> 02:12:20.119 the resonator is just forward. It's a part of the unit that they 1754 02:12:20.199 --> 02:12:24.119 replace. Okay, it's downward of the catalytic and murder and forward. Wait 1755 02:12:24.159 --> 02:12:26.800 a minute, so they replaced that. What you're calling that and and that. 1756 02:12:28.680 --> 02:12:33.920 So did they put a bad part in? Evidently? Evidently because it 1757 02:12:33.000 --> 02:12:35.239 did that from the word goes. So when I took it back, they 1758 02:12:35.279 --> 02:12:39.720 said, oh, that's just your heat shielding rattling on the pipe, on 1759 02:12:39.880 --> 02:12:43.640 the pipe that we replaced. Well, I took it back to them. 1760 02:12:43.239 --> 02:12:48.640 They claimed they got it fixed and never got fixed. So I've been living 1761 02:12:48.720 --> 02:12:50.840 with that rattling as I drive it around. Figured out what did the other 1762 02:12:52.000 --> 02:12:58.399 shops say has to be done to fix it? Replaced the entire part that 1763 02:12:58.560 --> 02:13:01.560 might have put in. Yeah, well that's where did they actually replace a 1764 02:13:01.600 --> 02:13:09.319 resonator? Yes, the resonator and the for all one unit got I see, 1765 02:13:09.399 --> 02:13:11.640 I didn't know that. That's that's logical. It's between the cat and 1766 02:13:11.720 --> 02:13:16.479 the muffler generally. So when you when you went back and told them that, 1767 02:13:16.960 --> 02:13:20.039 what do they what do they say? If you have a mechanic telling 1768 02:13:20.119 --> 02:13:24.079 you that, well, I'm going back there tomorrow, this will be like 1769 02:13:24.159 --> 02:13:28.159 a third champ. How much how much was the part? Bro? How 1770 02:13:28.239 --> 02:13:33.439 much it's like a four hundred dollars part plus labor? Well, how much 1771 02:13:33.600 --> 02:13:37.680 was it all together? I don't recall. It was like eight hundred dollars, 1772 02:13:39.000 --> 02:13:41.479 So you should get what you're saying is you should get an eight hundred 1773 02:13:41.479 --> 02:13:46.640 dollars refund. Don't you think, Well, I'm going to go through Midas 1774 02:13:46.720 --> 02:13:50.960 claims because I have no fan and I know you say, I'm asking you 1775 02:13:50.319 --> 02:13:54.199 you got zero value. Don't you agree you should get the whole eight hundred 1776 02:13:54.279 --> 02:13:58.880 back or they should make it right? Correct, you could go They're not 1777 02:14:00.359 --> 02:14:03.079 let you go through their claims. I highly doubt it. You have to 1778 02:14:03.159 --> 02:14:07.720 be outside X amount of miles in order for them to do something like that. 1779 02:14:07.920 --> 02:14:11.520 Man, you're better off just you know, literally complaining to that shop 1780 02:14:11.640 --> 02:14:18.479 or going after that shop. So I don't understand this, Greig, Why 1781 02:14:18.600 --> 02:14:24.239 won't they replace it? Well, at this point, if they can't recognize 1782 02:14:24.279 --> 02:14:26.760 the fact that they put in a part that the bathling material was broken, 1783 02:14:28.199 --> 02:14:31.399 the rattling was due to that part being defective from the start. They claim 1784 02:14:31.479 --> 02:14:35.760 it was heat shielding. Obviously they're incompetent and don't know what they're doing, 1785 02:14:35.840 --> 02:14:37.239 So I don't really have a lot of face taking it back to them. 1786 02:14:39.359 --> 02:14:41.000 Well, I don't no, no, no, no, no, no, 1787 02:14:41.119 --> 02:14:46.039 no no no. If they offer to replace it, you need to 1788 02:14:46.119 --> 02:14:48.800 let them. Well, I know you say that you always say that you 1789 02:14:48.800 --> 02:14:52.159 don't let the shop try to replace, But how many attempts do I go 1790 02:14:52.359 --> 02:14:58.399 through this with the inconvenience and it still isn't right. Well, here's okay, 1791 02:14:58.560 --> 02:15:03.920 there's no statute on that, but there is there is precedent and usually 1792 02:15:05.279 --> 02:15:07.000 and with the law, with many of the laws, and the spirit of 1793 02:15:07.039 --> 02:15:13.640 the laws, it's about three times. Yeah, they like the lemon law 1794 02:15:13.800 --> 02:15:18.800 with so long well, but there is no actual law. But I think 1795 02:15:18.920 --> 02:15:24.800 that you would then you would then probably be in a really strong position for 1796 02:15:24.880 --> 02:15:30.279 a complete refund. And here's the thing, man on the on this redo, 1797 02:15:31.079 --> 02:15:33.079 Uh, you know that resonator could have been broken out of the box. 1798 02:15:33.159 --> 02:15:37.720 Who knows, you know, the baffling. I think you got to 1799 02:15:37.760 --> 02:15:41.840 give them at least another chance. Unless they did harm, you need to 1800 02:15:41.880 --> 02:15:45.479 give them another chance. I mean, that's what I would do. Just 1801 02:15:46.000 --> 02:15:50.479 just let us know if you're going back tomorrow, let us know tomorrow is 1802 02:15:50.640 --> 02:15:54.319 car day. I'd love to hear back from you. Three zero three seven 1803 02:15:54.319 --> 02:15:58.399 to one three eight two five five go with a sure thing Denver's best Ruffer 1804 02:15:58.560 --> 02:16:05.680 excel roofing dot com. You don't pay a cent until you're content. Time 1805 02:16:05.760 --> 02:16:11.159 for an insurance checkup free, no obligation. In comparison, call Compass Insurance 1806 02:16:11.359 --> 02:16:15.479 paying too much your coverage at dozens of insurance companies find out Now three oh 1807 02:16:15.560 --> 02:16:18.199 three seven to seven to one help. You'll think you're his only customer when 1808 02:16:18.239 --> 02:16:22.920 you choose Frank durand the real estate Man dot com to list your home with 1809 02:16:22.119 --> 02:16:31.120 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martinez, 1810 02:16:31.120 --> 02:16:33.840 your troil shooter. Okay, we can't say it enough. Twenty one 1811 02:16:33.959 --> 02:16:39.840 dollars. You'll never see service like this for twenty one dollars ever, fix 1812 02:16:39.920 --> 02:16:41.760 At twenty four to seven will come to your house and do an extreme clean. 1813 02:16:41.840 --> 02:16:46.520 You will be so impressed. I mean, you take it apart. 1814 02:16:46.719 --> 02:16:48.360 George. You know that video you just did and I narrated for you for 1815 02:16:48.440 --> 02:16:52.639 the Internet. I that video, that's an excellent video. That's what we 1816 02:16:52.719 --> 02:16:56.159 do. Is that on your site? I want them to see it. 1817 02:16:56.719 --> 02:17:01.120 Okay, fix myhme dot com. We just did this video and it showed, 1818 02:17:01.200 --> 02:17:03.200 oh my god, they're taking out stuff and just laying it out and 1819 02:17:03.280 --> 02:17:07.399 cleaning it. And would you pay twenty one dollars just to guarantee your system 1820 02:17:07.399 --> 02:17:11.959 won't break down. Yeah, so this is it. It's seventwo zero five 1821 02:17:13.000 --> 02:17:15.719 two six thirty nine thirty nine. Or just fix my home dot com now, 1822 02:17:15.799 --> 02:17:20.680 don't forget my moneymway dot com. My money, myway dot com for 1823 02:17:20.040 --> 02:17:24.719 April ninth, seven o'clock Amcsouthlands for the movie will be there. So we 1824 02:17:24.840 --> 02:17:30.079 got a lot going on on the Troubleshooter Network. Remember save all your problems 1825 02:17:30.159 --> 02:17:30.360 for me.