WEBVTT 1 00:00:00.520 --> 00:00:13.880 Yea ripped up new need advice. Who you don't have? Come running just 2 00:00:13.919 --> 00:00:20.760 as fast as we can. Shooter's gonna help. Come man, this is 3 00:00:20.800 --> 00:00:27.440 the Troubleshooter Show. No Tom Martino, Hey, Tom Martino here, Welcome 4 00:00:27.480 --> 00:00:33.799 to the show. Three oh three seven one three talk. Three oh three 5 00:00:34.359 --> 00:00:38.600 seven one three eight two five five is the number. And I gotta stress 6 00:00:38.640 --> 00:00:43.679 you can call three oh three Martino at any time because what we like to 7 00:00:43.759 --> 00:00:48.119 do is get your calls, and even after hours. And if you call 8 00:00:48.159 --> 00:00:52.240 three oh three six two seven eight four sixty six, which is three oh 9 00:00:52.240 --> 00:00:55.920 three Martino, Uh, it goes to our voicemail if we're not around, 10 00:00:55.960 --> 00:00:59.560 but we will call back each and every person, and you don't have to 11 00:00:59.600 --> 00:01:03.799 stay on hold. And we are here as always to solve problems, answer 12 00:01:03.920 --> 00:01:07.599 questions, take complaints, and make your life a little easier, as we've 13 00:01:07.599 --> 00:01:11.799 been doing for forty five years, recovering hundreds of millions of dollars. Now, 14 00:01:11.840 --> 00:01:15.560 listen, I want to go to the calls. Of course, calls 15 00:01:15.599 --> 00:01:18.760 always get priority. We have a follow up with Kelly. But I also 16 00:01:18.760 --> 00:01:23.560 want to say I did something that I don't think truly anyone in the media 17 00:01:23.719 --> 00:01:27.840 or in politics has actually done. I know Biden hasn't, and I know 18 00:01:29.280 --> 00:01:34.280 not one person on CNN or Fox did it. I did something very unusual. 19 00:01:34.319 --> 00:01:38.200 I actually read something before commenting on it. I read it from cover 20 00:01:38.280 --> 00:01:48.239 to cover. I read every single page, and I have some interesting thoughts 21 00:01:48.319 --> 00:01:49.480 on it. I think now again, I'm not giving up. I'm not 22 00:01:49.480 --> 00:01:53.159 going to give my opinions on this because I've always thought this, and I 23 00:01:53.239 --> 00:01:56.159 mean that. I mean, I might give an opinion, but what I 24 00:01:56.159 --> 00:01:59.120 mean is I'm not going to try to sway opinions. I've always thought this 25 00:01:59.200 --> 00:02:01.359 before. I think people in the media think they have too much, and 26 00:02:01.439 --> 00:02:05.480 in celebrity, you know, the celebrity world, they all think they you 27 00:02:05.480 --> 00:02:07.280 know, people give it damn what they think. People don't. You're not 28 00:02:07.319 --> 00:02:10.719 going to change minds. Okay, really, I don't care what Robert de 29 00:02:10.800 --> 00:02:14.960 Niro thinks. I don't care what anyone thinks. I all I care about 30 00:02:15.400 --> 00:02:17.360 it are the facts, and I want to make up my own mind. 31 00:02:17.439 --> 00:02:22.879 I want to think for myself. I am so tired of the elitism of 32 00:02:23.000 --> 00:02:27.719 people believing that they know better and can make your decisions and you should follow 33 00:02:27.800 --> 00:02:31.439 them. So I don't try to do that crap. But I did read 34 00:02:32.479 --> 00:02:39.879 Project twenty twenty five cover to cover every single word. I want to know 35 00:02:39.919 --> 00:02:44.360 how many people have every single word? All I did was downloaded it. 36 00:02:44.360 --> 00:02:46.840 It's not a big not a big secret, and I read it cover to 37 00:02:46.919 --> 00:02:53.680 cover. Has anyone raised your hand? Anyone do it? I know a 38 00:02:53.680 --> 00:02:55.439 lot of people are commenting on it. Now, here's what I'm going to 39 00:02:55.479 --> 00:03:00.520 do for you. If you wonder what project or it's a mandate for leadership, 40 00:03:00.560 --> 00:03:06.800 It's called Project twenty twenty five Mandate for Leadership, the Conservative Promise, 41 00:03:07.759 --> 00:03:12.240 And as you imagine, there are a lot of conservative promises. And I'm 42 00:03:12.280 --> 00:03:15.479 not going to go, you know, page by page. But what I 43 00:03:15.520 --> 00:03:19.719 am going to do is answer questions if you have them. Since I have 44 00:03:19.800 --> 00:03:23.000 it here and I have it in a document we can search, you can 45 00:03:23.000 --> 00:03:27.879 give me a keyword and I'll tell you what it says. Racist. There's 46 00:03:27.919 --> 00:03:30.280 your keyword? Racist? Is that in there? Okay? Because that's what 47 00:03:30.319 --> 00:03:37.599 all the pundits are saying, it's extremely racist, Okay. Bureau The first 48 00:03:37.599 --> 00:03:43.400 word that comes up. It says, bureaucrats of the Department of Education inject 49 00:03:44.319 --> 00:03:53.120 racist, anti American, anti historical propaganda into American classrooms. That's one thing. 50 00:03:53.120 --> 00:03:59.000 It's I agree with that. It says the former, and then it 51 00:03:59.000 --> 00:04:10.479 says it says also systematic racism. It talks about systematic racism is not a 52 00:04:10.520 --> 00:04:15.639 thing, okay, basically that it's not built into the system. However, 53 00:04:15.720 --> 00:04:25.680 improvements can be made, and that critical race theory gives people excuses. Basically, 54 00:04:26.079 --> 00:04:34.199 I'm summarizing, and critical race theory is not something to inculcate into the 55 00:04:34.240 --> 00:04:42.240 minds of the very young because they can come up and not think automatically they're 56 00:04:42.279 --> 00:04:46.759 going to be set back, and that gives them a better outlook without looking 57 00:04:46.879 --> 00:04:56.120 at everyone as racist. And it says that critical race theory basically starts out 58 00:04:56.120 --> 00:05:00.199 that everyone is a racist and then you have to prove you're not. So 59 00:05:00.439 --> 00:05:09.040 the Secretary of Education should insist that the department serve parents and American ideals and 60 00:05:09.160 --> 00:05:17.959 not advocates whose message is that children can choose their own sex, that America 61 00:05:18.040 --> 00:05:25.199 is systematically racist and that math is racist, or that anything in and of 62 00:05:25.240 --> 00:05:29.639 itself can be racist. I mean, it just basically says a lot of 63 00:05:30.040 --> 00:05:33.839 I'm giving you just a highlight. It says it's basically against indoctrination like I 64 00:05:33.879 --> 00:05:40.120 talked about yesterday. And then it says America. It says we must defend 65 00:05:40.160 --> 00:05:47.120 the false idea that America is systematically racist. The theory is disrupting the values 66 00:05:47.560 --> 00:05:54.160 and actually dividing people instead of uniting them. And again, there might be 67 00:05:54.199 --> 00:05:57.040 black people. I can't speak to this. I mean, I can't speak 68 00:05:57.079 --> 00:05:59.839 to it. But there are blacks listening to me every day. I mean, 69 00:06:00.120 --> 00:06:02.120 they call the show and we have a great time discussing everything. So 70 00:06:02.360 --> 00:06:05.959 here's the deal. You know, people say, Tom, do you see 71 00:06:06.000 --> 00:06:09.800 color? I say absolutely, I do. And I love every color I 72 00:06:09.879 --> 00:06:13.519 see color. I notice differences. I love the differences. I love that 73 00:06:13.639 --> 00:06:16.040 people have different cultures. I love kids who grew up in Italian households, 74 00:06:16.120 --> 00:06:19.480 kid who grew up in Irish households, people who grew up in all kinds 75 00:06:19.519 --> 00:06:23.279 of hell. I love it. I love the cultures, the Jewish culture, 76 00:06:23.319 --> 00:06:26.399 I love it at all. And what I'm saying is this is their 77 00:06:26.439 --> 00:06:29.120 hate. There, No, you can see it without hating it. But 78 00:06:29.240 --> 00:06:32.639 what is this I'm not black. I can't say that right now. Well 79 00:06:32.680 --> 00:06:38.800 I can. In my perspective. I don't see large scale racism, But 80 00:06:39.079 --> 00:06:42.680 is there. I mean, right now, is there if you're black, 81 00:06:42.800 --> 00:06:49.839 do you feel that we still have a system that is systematically racist? But 82 00:06:49.920 --> 00:06:53.839 you know what, Tom, you know, when we'll get over that when 83 00:06:53.959 --> 00:06:56.800 you're not black, I'm asking her. I know, when you get to 84 00:06:56.800 --> 00:07:00.120 the point where people don't say he or she is a first like this or 85 00:07:00.160 --> 00:07:03.800 the first black that that really gets on the mycet. Well. Anyway, 86 00:07:04.000 --> 00:07:06.519 so, Mark, you asked about that the word, and we're going on, 87 00:07:06.600 --> 00:07:10.079 I got you, Doc, I heard you. Now the other way 88 00:07:10.600 --> 00:07:15.759 rehearsal of racist equity. They feel that it's going too far the other way 89 00:07:15.839 --> 00:07:23.240 and it actually becomes racist against others. And the casual acceptance and the rapid 90 00:07:23.439 --> 00:07:32.319 spread of racist policy making, which believes the federal government must correct the racist 91 00:07:33.079 --> 00:07:39.120 policies of America. Another one, and again I'm just I'm just keyword searching. 92 00:07:39.920 --> 00:07:46.839 It says the the the American the Biden administration and the government believes that 93 00:07:46.000 --> 00:07:53.720 America is racist and uses it to divide people instead of uniting people. And 94 00:07:53.759 --> 00:08:00.319 they keep promoting this theory. And anyway, so so you asked about that 95 00:08:00.360 --> 00:08:03.480 word, Yeah, the word is in there. That's very interesting that you 96 00:08:03.600 --> 00:08:07.160 picked that word, Mark, But is this policy racist? I don't from 97 00:08:07.199 --> 00:08:13.759 anyone that I've heard people I've heard from that are against it, and I 98 00:08:13.800 --> 00:08:16.519 haven't read it like you, So honestly, I know nothing about it. 99 00:08:16.680 --> 00:08:20.879 This is a first i've heard anything about it besides Trump is for it, 100 00:08:20.920 --> 00:08:24.519 which is bad and it's going to bring our country back to the eighteen hundreds. 101 00:08:24.560 --> 00:08:28.480 And I don't know where that comes from reading and doctor Okay, well 102 00:08:28.519 --> 00:08:31.279 here from reading the document, what I can tell you is this. It 103 00:08:31.360 --> 00:08:37.360 is far more extreme than any Republican i've heard talk. When I say extreme, 104 00:08:37.399 --> 00:08:39.039 I'm not talking bad or good. I'm not giving you my opinion on 105 00:08:39.080 --> 00:08:43.000 how I feel about this. Some of these give me an idea of something 106 00:08:43.000 --> 00:08:46.320 you would call extreme. What's something extreme? Some of these things I like 107 00:08:46.399 --> 00:08:48.879 and some of these things I don't like. Okay. They do believe that 108 00:08:48.919 --> 00:08:54.679 the federal policy nationwise should be against abortion. Okay. Now, when I 109 00:08:54.720 --> 00:08:58.759 say extreme, I again, I'm not giving you more radical. No, 110 00:08:58.759 --> 00:09:01.600 no, no, that's radical as hell I believe. I'm not saying now 111 00:09:01.679 --> 00:09:05.639 because of that this is bad, we shouldn't do it. Nor am I 112 00:09:05.679 --> 00:09:09.200 saying we shouldn't have a policy of life first. What I'm saying, is 113 00:09:09.759 --> 00:09:16.320 this document it looks like from I'm reading, would go for policies, would 114 00:09:16.639 --> 00:09:20.200 go for policies that would ban abortion. And I have to be honest about 115 00:09:20.240 --> 00:09:24.360 that. There are many parts of it, and I'm not saying that's good 116 00:09:24.399 --> 00:09:28.120 or bad. I'm saying it does this document if you read it and don't 117 00:09:28.159 --> 00:09:35.320 have any outside influence or opinions and actually read it it, probably you would 118 00:09:35.399 --> 00:09:39.879 come You would come away with the idea that they would encourage their leaders to 119 00:09:41.000 --> 00:09:46.399 ban abortion nationally, which which honestly I think is anti Republican. And I'll 120 00:09:46.440 --> 00:09:48.799 tell you why, because I believe it's right where it's supposed to be now 121 00:09:50.159 --> 00:09:54.039 in the States rights, which is us the people's rights, and that's where 122 00:09:54.039 --> 00:09:56.159 it should stay. Now if you live in a state and everybody votes, 123 00:09:56.240 --> 00:10:01.919 that's the way it goes. It does not call for a nationwide ban of 124 00:10:01.960 --> 00:10:09.120 abortions. It says to support leaders and to promote a life agenda where you 125 00:10:09.159 --> 00:10:13.799 know, and it just has other wording. But you could make the conclusion 126 00:10:13.600 --> 00:10:18.159 that they want the federal government to take a stance against it. Especially now 127 00:10:18.200 --> 00:10:22.720 I'm a little upset that now I found you a little misleading. You made 128 00:10:22.799 --> 00:10:26.200 it sound like they wanted to ban it. No, if they just want 129 00:10:26.279 --> 00:10:28.720 agenda that promotes life, what I said was, no, it's a little 130 00:10:28.759 --> 00:10:33.279 more than that. And they do you they do say they're against abortion, 131 00:10:35.200 --> 00:10:39.480 but they don't come right out and say that they support a nationwide ban or 132 00:10:39.519 --> 00:10:41.440 a law against it. I am saying, if you read it, you 133 00:10:41.600 --> 00:10:46.000 get the impression that that's not far away that they could What else? What 134 00:10:46.200 --> 00:10:54.759 else did you read that people might consider extreme on the left? Okay, 135 00:10:54.919 --> 00:10:58.320 Tom Whyle, Look, can I ask the question, Yeah, who produced 136 00:10:58.320 --> 00:11:03.720 this document? I never Project twenty twenty five? Yeah, but who? 137 00:11:03.759 --> 00:11:07.000 Oh, oh my god. It's a number of conservative organizations. Heritage found 138 00:11:07.159 --> 00:11:11.159 that was the primary. But then there are there are like one hundred authors, 139 00:11:11.200 --> 00:11:16.080 I mean or contributors. And you know what, Trump's actually separated himself 140 00:11:16.080 --> 00:11:18.360 from this. And when it comes to Trump and the abortion rights, he's 141 00:11:18.440 --> 00:11:22.559 changed his stance. Remember at one point, this guy before you as president, 142 00:11:22.639 --> 00:11:26.399 back in the day, he was all about women's rights and he became 143 00:11:26.440 --> 00:11:30.960 a Republican and changed it. And I think a lot of people could say 144 00:11:31.039 --> 00:11:35.639 he changed his vision because of what party he was running for. But now 145 00:11:35.679 --> 00:11:39.120 he's back to like pretty much what I would consider middle of the road thinking 146 00:11:39.159 --> 00:11:41.559 on it. Okay, I want to talk to Don, Don, go 147 00:11:41.639 --> 00:11:45.840 ahead, what's going on? Don? Hi? Tom? I was just 148 00:11:45.879 --> 00:11:48.639 going to speak to the same thing that everybody else is speaking to. This 149 00:11:48.720 --> 00:11:54.799 Project twenty twenty five is not Trump's it's right, that's right, a false 150 00:11:54.879 --> 00:12:00.240 plot. It's a false positive To put this out on the radio and go 151 00:12:00.360 --> 00:12:05.480 through Project twenty twenty five and talk about Trump because the average listener is not 152 00:12:05.519 --> 00:12:09.639 going to know that, and they're going to associate Project twenty twenty five with 153 00:12:09.759 --> 00:12:13.000 Trump. That would be like that. And I just said that. I 154 00:12:13.200 --> 00:12:16.759 literally just said that. I know, I said, I was just going 155 00:12:16.840 --> 00:12:20.919 to say what you guys were just talking about, And it would be like 156 00:12:20.000 --> 00:12:24.000 me putting something on about the Tom Martino Show that has nothing to do with 157 00:12:24.039 --> 00:12:28.879 Tom Martino's opinions. There may be some got parallels to it. Tom, 158 00:12:28.960 --> 00:12:31.080 you wouldn't like that. You would be saying, this is no no. 159 00:12:31.120 --> 00:12:33.759 I understand that, but I didn't think it was my place when I said 160 00:12:33.759 --> 00:12:37.320 I read it. I'm not I guess I am giving an opinion when I 161 00:12:37.440 --> 00:12:41.600 call that extreme, So that is an opinion, right, But but like 162 00:12:41.759 --> 00:12:46.919 like there there are things here. When it comes to let's put a different 163 00:12:46.960 --> 00:12:50.799 way, you're also talking about it in front of thousands, tens of thousands 164 00:12:50.799 --> 00:12:54.799 of people in an election year, and it's associating it, yeah, with 165 00:12:54.919 --> 00:12:58.799 a candidate that has no association with no. No, And it doesn't say 166 00:12:58.799 --> 00:13:03.399 that, it says we must call on leaders, we must call on leaders 167 00:13:03.519 --> 00:13:07.840 to do this and do that support at all costs a pro life agenda. 168 00:13:07.120 --> 00:13:11.159 And then it also says, okay, let me just summarize one thing. 169 00:13:11.200 --> 00:13:18.799 Okay, when it comes to climate change, they absolutely positively believe there should 170 00:13:18.879 --> 00:13:24.759 be not one penny spent nor one effort made for climate change, and that 171 00:13:24.840 --> 00:13:30.080 we do not have an appreciable effect on it. But to Tom, if 172 00:13:30.159 --> 00:13:35.360 I came up with Don McDonald's project twenty twenty six, and I had all 173 00:13:35.480 --> 00:13:39.080 kinds of things in there, and I started talking about Tom Machino and talking 174 00:13:39.120 --> 00:13:45.000 about my project twenty twenty six, there's no parallel. It's a false Don, 175 00:13:45.159 --> 00:13:48.559 I'm not making a parallel done, I'm not. I'll tell you why 176 00:13:48.559 --> 00:13:52.120 a parallels made, and it shouldn't. It shouldn't be foreign to us. 177 00:13:52.240 --> 00:13:56.080 Here's why the parallel is made. They call this a conservative promise, and 178 00:13:56.120 --> 00:14:01.960 then other people call themselves conservatives. Soople say to themselves, Okay, if 179 00:14:01.960 --> 00:14:05.759 that person is conservative and if this is a conservative promise, they must be 180 00:14:05.840 --> 00:14:11.679 related, just like we do when it comes to progressive stuff. If someone 181 00:14:11.720 --> 00:14:16.440 calls themselves progressive and we read what's so called progressive agenda, is we make 182 00:14:16.519 --> 00:14:20.279 the connection. I'm not saying there is a connection. I'm not saying some 183 00:14:20.320 --> 00:14:24.480 people believe it. I'm not saying some people don't believe it. I am 184 00:14:24.519 --> 00:14:28.080 saying that's why the connection is made. Whether it's accurate the connection, I 185 00:14:28.840 --> 00:14:35.080 disagree. I think to connections made because every lefty station out there, every 186 00:14:35.159 --> 00:14:39.159 lefty station out there, is the one that's trying to tie Trump to it. 187 00:14:39.159 --> 00:14:43.679 It's got nothing to do with being conservative. It's MSNBC, it's CNN. 188 00:14:43.960 --> 00:14:48.159 May directly say all those are his past people, but he asks why 189 00:14:48.200 --> 00:14:54.600 there are parallels made or and I'm saying the reason is because they identify themselves 190 00:14:54.799 --> 00:15:00.000 as strictly conservative and anti progressive, and that is what a lot of Republicans. 191 00:15:00.559 --> 00:15:05.360 I am not saying that Trump is related to this, but you can't 192 00:15:05.600 --> 00:15:13.759 entirely say it's illogical to make a connection. Just like conservatives make a connection 193 00:15:15.159 --> 00:15:20.039 to all progressive ideas. That's all I'm saying. Whether it's accurate or not 194 00:15:20.480 --> 00:15:24.639 leads. I imagine there are many Republicans who think this is bunk, and 195 00:15:24.679 --> 00:15:28.120 there are many who think it's wonderful, and there are many who think some 196 00:15:28.159 --> 00:15:33.080 of it's good and some of it's not. I am simply speaking in reality, 197 00:15:33.720 --> 00:15:37.799 and I understand you're doing that, but I agree with don go with 198 00:15:37.879 --> 00:15:43.080 a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a 199 00:15:43.120 --> 00:15:50.320 cent until you're content. Time for an insurance checkup free, no obligation. 200 00:15:50.399 --> 00:15:54.320 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 201 00:15:54.320 --> 00:15:58.279 companies find out Now three O three seven seven one help. You'll think you're 202 00:15:58.320 --> 00:16:03.200 his only customer when you choose Frank durand the real estate Man dot com to 203 00:16:03.320 --> 00:16:10.559 list your home with Remax Alliance three oh three nine two zero sixteen twenty two. 204 00:16:10.960 --> 00:16:15.200 Hi Tom Martino, you're a troubleshooter Trio three seven one three talks seven 205 00:16:15.279 --> 00:16:18.200 one three eight two five five. I'm gonna go back to this in a 206 00:16:18.240 --> 00:16:22.720 minute, but we're I'm going to take my calls Kelly. She has a 207 00:16:22.759 --> 00:16:25.879 happy ending for a we have a follow up now. Kelly called the show 208 00:16:26.639 --> 00:16:32.080 and she called back and Hew, are you laughing? Kelly? He is? 209 00:16:32.120 --> 00:16:33.320 He? Tom Oh? He I'm sorry. I'm sorry. I'm sorry, 210 00:16:33.399 --> 00:16:37.559 Kelly. Okay, So, anyway, I didn't know your damn pronoun. 211 00:16:37.559 --> 00:16:41.000 I'm gonna call you your highness anyway, Kelly, here's him. Here's 212 00:16:41.039 --> 00:16:45.080 the deal. You bought a twenty eighteen toyot a four runner, and uh, 213 00:16:45.440 --> 00:16:51.480 whether you bought a five year, one hundred thousand mile extended warranty for 214 00:16:51.639 --> 00:16:55.720 a three grand? And then, as I recall, were you getting rid 215 00:16:55.799 --> 00:16:57.840 of this pretty soon? This? Did you get rid of this or something 216 00:16:57.960 --> 00:17:03.039 be way before? For your warranty was up? Yeah, I traded it 217 00:17:03.080 --> 00:17:06.960 in because I was trying to get a truck and I through just some really 218 00:17:07.000 --> 00:17:11.440 bad misfortunate that dealership. The truck they gave me was a Lemon, so 219 00:17:11.440 --> 00:17:15.160 I ended up with the fore Runner, so okay. Traded the fore Runner 220 00:17:15.200 --> 00:17:18.559 in within about a month of getting it. Okay, So then what happened 221 00:17:19.960 --> 00:17:27.839 they we submitted a return refund for the extended warranty and it kept giving me 222 00:17:27.880 --> 00:17:33.240 the run around. So now did they say it was non refundable, because 223 00:17:33.279 --> 00:17:37.559 I told you it was refundable and pro radable. What did they tell you? 224 00:17:40.079 --> 00:17:42.359 They told me that they had to submit the paperwork. And it started 225 00:17:42.359 --> 00:17:47.920 off as a six to eight week return. Yeah, and at eight weeks 226 00:17:47.920 --> 00:17:52.839 it became ten eight to ten weeks, and then that about ten and a 227 00:17:52.880 --> 00:17:56.240 half weeks is when I called you guys, And so what happened then? 228 00:17:56.400 --> 00:18:00.240 I know Deputy Dot called over there a few times. He never actually got 229 00:18:00.319 --> 00:18:03.359 to talk to anybody, but they knew why he was calling. What happened, 230 00:18:04.119 --> 00:18:06.920 Well, it was funny. They called me. I talked to you 231 00:18:07.000 --> 00:18:11.839 guys Thursday, and by Friday I had a phone call and they said they 232 00:18:11.839 --> 00:18:14.839 were going to overnight me the check on Monday. Did you get it? 233 00:18:15.400 --> 00:18:18.400 I did? I got Shannon overnighted he got the check. What do you 234 00:18:18.440 --> 00:18:21.559 want? What do you need to do? Bro, I'm in the studio 235 00:18:21.599 --> 00:18:25.000 today, not in my home studio. You got to do my dinger and 236 00:18:25.119 --> 00:18:30.720 uh, come on, Shannon, come on now, boy, there you 237 00:18:30.759 --> 00:18:33.759 are, Kelly. But by the way, I really appreciate you calling and 238 00:18:34.480 --> 00:18:37.759 thank you. Uh, we appreciate, appreciate you guys. You do awesome 239 00:18:37.759 --> 00:18:41.400 work. So Okay, man, it's so nice to hear that. Okay. 240 00:18:41.440 --> 00:18:44.079 So three oh three seven one three talk seven one three eight two five 241 00:18:44.240 --> 00:18:48.039 five. Uh, Jamie, now this this Jamie, I want to take 242 00:18:48.039 --> 00:18:51.079 a quick break. Come back to Jamie. I'll tell you why. This 243 00:18:51.559 --> 00:18:56.279 highlights what I believe is a new level of crime. Now, people might 244 00:18:56.319 --> 00:19:00.839 say, Tom, vandals have been with us forever. Yeah, that's true. 245 00:19:00.039 --> 00:19:08.000 But if you notice nowadays, there are crimes that are committed and I 246 00:19:08.000 --> 00:19:12.839 guess we can call all crimes committed to be hateful, right, and to 247 00:19:12.920 --> 00:19:19.240 be mean, But some of them have no other motivation. There's no profit, 248 00:19:21.079 --> 00:19:23.160 there's no money. It's not like, Okay, looting a store is 249 00:19:23.240 --> 00:19:26.400 mean, it's terrible. They break the windows, they steal stuff, but 250 00:19:26.440 --> 00:19:33.519 why do they steal stuff to resell it? But there are some crimes that 251 00:19:33.599 --> 00:19:40.920 are done with no apparent motivation other than to be mean. And that's one 252 00:19:40.920 --> 00:19:44.440 of the things like key in a random person's cars, yeah yeah, or 253 00:19:44.440 --> 00:19:48.119 else exactly to put a video on TikTok. Now, I'm going to tell 254 00:19:48.119 --> 00:19:51.839 you something that came out in the news too, and people say, you 255 00:19:51.880 --> 00:19:56.759 know, what what is this all about? You know, I know people 256 00:19:56.799 --> 00:20:00.759 love seeing conspiracies under every under every rock. And I'm not talking conspiracy, 257 00:20:00.799 --> 00:20:07.079 I'm talking facts. There are two things that are very weird right now that 258 00:20:07.359 --> 00:20:11.000 I find. First of all, all of these videos and people coming out 259 00:20:11.119 --> 00:20:18.359 saying they saw a guy crawling around on a roof at the Trump rally and 260 00:20:18.440 --> 00:20:22.400 he was the shooter. And in fact, the police officer who came eye 261 00:20:22.480 --> 00:20:27.799 to eye with him saw him and then fell off the he was holding onto 262 00:20:27.880 --> 00:20:33.079 the roof and peeking over the roof, and he didn't immediately warn anyone. 263 00:20:33.200 --> 00:20:37.240 And then you have all of these people who say, we were telling police 264 00:20:37.680 --> 00:20:42.079 there's a guy on the roof. One person even said there's a guy crawling 265 00:20:42.119 --> 00:20:47.079 around on the roof with a gun. Now, well, and a lot 266 00:20:47.160 --> 00:20:49.079 of it's on video, Tom, It's not like they're just saying it. 267 00:20:49.400 --> 00:20:53.799 The video backs up it. Then you said, and I looked it up. 268 00:20:53.839 --> 00:21:00.720 Mark the headlines. Now the pants is incredible. Ahead, Mark what 269 00:21:00.799 --> 00:21:03.680 happened? The parents call? Well, the parents we right before the show 270 00:21:03.720 --> 00:21:10.359 started, we find out the parents of the sniper, the attempted assassination. 271 00:21:11.119 --> 00:21:15.839 This is unbelievable. You ready for this? They called the cops hours before, 272 00:21:17.359 --> 00:21:21.119 thinking their kid might make an attempt on the president's life? Can you 273 00:21:21.200 --> 00:21:23.599 believe it? So all of this goes down, and I keep saying this. 274 00:21:25.000 --> 00:21:29.039 At one point do people go, oh, that's a conspiracy. Where 275 00:21:29.039 --> 00:21:33.720 does where does it cross the line of these guys did nothing? They didn't, 276 00:21:33.799 --> 00:21:37.799 they did nothing. They were worn two hours before from the parents. 277 00:21:37.039 --> 00:21:41.839 Cops knew about it, everybody knew about it. Then we find out I 278 00:21:41.960 --> 00:21:47.279 ran wanted to kill this guy. It's just so infuriating. At what point 279 00:21:47.400 --> 00:21:52.759 is it no longer a conspiracy that the Biden administration could care less as someone 280 00:21:52.880 --> 00:21:56.799 shock it the former president As far as caring, I don't think they had 281 00:21:56.839 --> 00:22:00.799 anything to do with it, but I think there's something. Are you kidding? 282 00:22:00.839 --> 00:22:03.119 He's the one that hired the lady in charge, Tom, He hired 283 00:22:03.160 --> 00:22:07.359 the lady that used to work for PEPSI to run the secret Service, and 284 00:22:07.400 --> 00:22:11.200 it's gone to hell. Yeah. More coming up on The Troubleshooter Show, 285 00:22:15.240 --> 00:22:19.480 Go with a Sure Thing Denver's Best rufer excel roofing dot com. You don't 286 00:22:19.519 --> 00:22:26.480 pay a cent until you're content. Time for an insurance checkup free, no 287 00:22:26.559 --> 00:22:32.440 obligation. In comparison, call Compass insurance paying too much your coverage at dozens 288 00:22:32.480 --> 00:22:34.799 of insurance companies. Find out Now three oh three seven seven to one. 289 00:22:34.920 --> 00:22:38.599 Help. You'll think you're his only customer when you choose Frank durand the real 290 00:22:38.680 --> 00:22:44.200 estate man dot com to list your home with Remax Alliance three oh three nine 291 00:22:44.279 --> 00:22:49.519 two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three 292 00:22:49.519 --> 00:22:55.680 oh three seven one three talk three oh three seven one three eight two five 293 00:22:55.839 --> 00:23:00.680 five. Okay, So, Jamie, I heard about this and said I 294 00:23:00.720 --> 00:23:06.279 can't believe it, and I think it goes into a category of just plain 295 00:23:06.440 --> 00:23:15.240 mean. Can you explain what's going on? So we have a family owned 296 00:23:15.279 --> 00:23:18.960 and run company. My brother in law, my husband, and our family 297 00:23:21.279 --> 00:23:25.599 run a tree spade business. Now it's a tree it's like a tree farm. 298 00:23:26.079 --> 00:23:32.359 Yes, yeah, okay. So we have a tree farm out in 299 00:23:32.400 --> 00:23:37.000 Albert, Colorado, and we've been working hard trying to invest in our future 300 00:23:37.160 --> 00:23:41.920 and possibly the futures of our children, just depending on what avenue news they 301 00:23:41.000 --> 00:23:45.039 take. How long have you been in business, Jamie. We've been in 302 00:23:45.119 --> 00:23:55.880 business as landscaping and more recently and completely now tree moving and sales since nineteen 303 00:23:55.960 --> 00:24:00.960 ninety nine. Okay, So you've been doing it a while, yes, 304 00:24:00.359 --> 00:24:10.359 okay? And what happened? So somewhere around about the thirteenth to the fifteenth 305 00:24:10.400 --> 00:24:18.680 of June, somebody cut our fence, went into our tree farm and took 306 00:24:18.720 --> 00:24:23.240 a chainsaw to both irrigation system and over two hundred and seventy seven trees. 307 00:24:25.039 --> 00:24:29.519 What stage of development were those trees? In? A lot of them were 308 00:24:29.519 --> 00:24:34.240 completely ready for retail sale. They just went into disband They didn't steal the 309 00:24:34.319 --> 00:24:38.720 trees, they didn't do anything. No, no common sense would tell me 310 00:24:38.839 --> 00:24:45.039 competition. God, do you really believe that? I believe who else would 311 00:24:45.079 --> 00:24:48.519 do it? What maniac's going to go in the middle of Elbert County with 312 00:24:48.599 --> 00:24:55.799 a chainsaw? Yeah. So we're trying to find the people that did this. 313 00:24:55.839 --> 00:25:00.839 We want to hold them accountable, We want we want justice because what 314 00:25:00.880 --> 00:25:03.920 they did was try to put us out of business. And that's very personal. 315 00:25:03.440 --> 00:25:07.319 That's not something that we've ever warranted through the way that we conduct ourselves, 316 00:25:07.359 --> 00:25:11.799 the way that we do business, the people that we are, and 317 00:25:11.079 --> 00:25:15.599 this is very personal. Does insurance cose either a pissed off customer or a 318 00:25:15.640 --> 00:25:19.880 competition man there or an ex employee? I agree, this is a very 319 00:25:19.960 --> 00:25:25.759 personal act. You think so marked like they were targeted, right, I 320 00:25:25.960 --> 00:25:30.480 definitely, yeah, we are definitely targeted. It's just a matter of now 321 00:25:30.519 --> 00:25:37.599 finding out who. So we've hired a PI. We are using every bit 322 00:25:37.680 --> 00:25:41.359 of technology available to us. Anything that we find out, we're actively pursuing. 323 00:25:42.720 --> 00:25:47.759 We want these people held responsible. Wow, I wonder where you even 324 00:25:47.920 --> 00:25:52.880 start with an investigation like that. You know, we're kind of deferring to 325 00:25:53.119 --> 00:26:00.640 the professionals on this because this is something that we can even fathom or comprehensive. 326 00:26:00.640 --> 00:26:03.160 Now, now let me ask you this. Now, Now you say 327 00:26:03.160 --> 00:26:06.319 a chainsaw, how do you know that? I mean, it's obvious because 328 00:26:06.359 --> 00:26:10.279 they were so they left them right, They left the trees right there. 329 00:26:11.720 --> 00:26:17.079 Yes, they did not physically remove anything from the property. They just wanted 330 00:26:17.119 --> 00:26:21.079 to destroy everything. That is so sick, Tom, You couldn't cut that 331 00:26:21.400 --> 00:26:23.680 down that many trees. And that's true, that's true. So do you 332 00:26:23.880 --> 00:26:29.000 think, I mean, do you do you think it could be someone one 333 00:26:29.000 --> 00:26:32.920 of your neighbors that was there anyone that ever objected to you for some reason 334 00:26:33.000 --> 00:26:36.839 having a tree farm. I could think of no better neighbor than having trees. 335 00:26:37.319 --> 00:26:44.079 But I don't know our neighbors are great. We are on really good 336 00:26:44.160 --> 00:26:48.759 terms with everybody that we've met. We don't have like an ongoing it's not 337 00:26:48.799 --> 00:26:52.640 like Hatfield and McCloy's. It's it's nothing like that. We don't we don't 338 00:26:52.680 --> 00:26:56.799 do things like that. And our neighbors seem like they're perfectly fine having trees 339 00:26:56.839 --> 00:27:02.400 instead of rambunctious teenage or something for neighbors, you know, they're fine with 340 00:27:02.440 --> 00:27:06.440 the tree farm. We've never had a complaint. The property that we purchased 341 00:27:06.559 --> 00:27:11.759 was already a tree farm. We've just worked hard to improve it and try 342 00:27:11.799 --> 00:27:15.960 to optimize what's going on. So we weren't establishing something that wasn't already there. 343 00:27:15.039 --> 00:27:18.079 Now, why do you not know exactly when do you not go out 344 00:27:18.119 --> 00:27:23.359 and check them off? And you said sometime between well and such. So 345 00:27:23.680 --> 00:27:30.599 we work on other properties during the week. We're moving trees things like that. 346 00:27:32.440 --> 00:27:36.720 We have other locations that we do pull trees from. So we were 347 00:27:36.759 --> 00:27:40.319 not on that property. On our tree farm, we check it on the 348 00:27:40.319 --> 00:27:45.880 weekend, but we were not out there that weekend. So we were out 349 00:27:45.920 --> 00:27:48.440 there Wednesday, and then we were out there the following Tuesday, and that's 350 00:27:48.440 --> 00:27:52.880 when we found all the damage. What do you know about the prior people? 351 00:27:52.119 --> 00:27:56.519 Did they happen to get foreclosed on? Was it at auction? I 352 00:27:56.519 --> 00:27:59.920 mean there's got to be someone out there, the PI or or you and 353 00:28:00.039 --> 00:28:06.720 your husband are looking at we are looking at everybody right now. I want 354 00:28:06.759 --> 00:28:08.880 to ask you something. I once saw this on a TV show. Please 355 00:28:08.920 --> 00:28:11.960 don't laugh at me, but it was. It was on a cop show. 356 00:28:12.480 --> 00:28:18.319 And what did the cops say? The cops said, you somebody A 357 00:28:18.359 --> 00:28:22.319 few people came to your mind when you saw it. And now I don't 358 00:28:22.359 --> 00:28:25.599 know if that's true. It was a cop show, but I figure they 359 00:28:25.640 --> 00:28:30.559 have cop consultants. Did that happen? Right? Did anyone pop into your 360 00:28:30.559 --> 00:28:33.440 mind? One or two, three people? I'm not asking for you to 361 00:28:33.480 --> 00:28:37.519 name them on the air, but did did anyone pop into your mind? 362 00:28:37.720 --> 00:28:41.160 We definitely have our suspicion. See I thought so. But let me ask 363 00:28:41.200 --> 00:28:45.279 you this, Why did they pop into your mind when they did? I'm 364 00:28:45.279 --> 00:28:47.839 not asking for who they are? Why did they pop into your mind? 365 00:28:49.559 --> 00:28:55.279 Because who else would do it? You know? It's just she doesn't want 366 00:28:55.319 --> 00:29:00.200 to give it away. Oh yeah, I'll tell you who you can Who 367 00:29:00.279 --> 00:29:03.799 can you limit? Trump? No? Joyce Kilma Trump was at the convention. 368 00:29:06.000 --> 00:29:10.400 Jamie, what is the value of these trees that were destroyed? Yeah, 369 00:29:10.440 --> 00:29:14.720 what's the value? The retail value by the time we would have enabled 370 00:29:14.720 --> 00:29:18.240 to sell damage is over three hundred and twenty fives. Now three twenty five 371 00:29:18.440 --> 00:29:22.880 was the gross amount? What would your profit have been? That's with our 372 00:29:22.920 --> 00:29:29.279 profit. That would have been your profits that were destroyed. Oh ok, 373 00:29:29.400 --> 00:29:33.079 yeah, so let's figure one thousand bucks plus. Situation. Man, that 374 00:29:33.279 --> 00:29:40.079 is unbelievable really, So so do you have any kind of business insurance? 375 00:29:41.839 --> 00:29:45.480 We have every kind of business insurance except cross insurance. Because of all the 376 00:29:45.519 --> 00:29:51.960 things that we felt like we had to protect. Trees growing on a random 377 00:29:52.000 --> 00:29:56.200 piece of property somewhere was not even in our wheelhouse of being a necessity. 378 00:29:56.319 --> 00:29:59.920 So as far as being made whole by insurance, that's not happening here. 379 00:30:00.480 --> 00:30:03.319 It sounds like it's someone I bet. I bet someone in the business would 380 00:30:03.319 --> 00:30:07.279 know that too. Someone in that same business would know you didn't have that 381 00:30:07.359 --> 00:30:12.559 insurance. I go back to an ex employee or a competition. Why, 382 00:30:12.599 --> 00:30:17.880 Mark, I mean a competition. Now, First of all, you're talking 383 00:30:17.880 --> 00:30:22.079 about, you know how hard, even even with an electric chainsaw, to 384 00:30:22.279 --> 00:30:27.319 cut down two hundred and plus trees is insane. No one would do this 385 00:30:27.799 --> 00:30:33.359 just to do it. No, And we had a bunch of smaller nursery 386 00:30:33.400 --> 00:30:38.359 stocks that we had just bought this spring over this probably over two three hundred 387 00:30:38.359 --> 00:30:42.240 trees out there that are younger. They were, you know, we were 388 00:30:42.400 --> 00:30:45.480 getting implanted so that we could grow them up to sell them as adult trees 389 00:30:45.519 --> 00:30:49.279 instead of you know, younger trees. And they cut all the leaders out 390 00:30:49.319 --> 00:30:55.039 of every single one of them, so they knew, they knew college of 391 00:30:55.160 --> 00:30:59.640 what to do. Yes, plus your irrigation system, and I'm sure they 392 00:30:59.720 --> 00:31:03.599 knew that there was no insurance to kick in. It was hate for sure. 393 00:31:03.839 --> 00:31:07.240 Jimmy, I am how long do you think how long do you think 394 00:31:07.279 --> 00:31:11.559 it would take? I mean, you know how long it takes to chainsaw 395 00:31:11.640 --> 00:31:15.200 stuff better than I do. How long do you think these vandals or these 396 00:31:15.359 --> 00:31:21.839 these asses were there. They would have been on property for hours. It's 397 00:31:21.880 --> 00:31:26.440 not just when. So it's somebody who knew they someone who knew your schedule. 398 00:31:26.480 --> 00:31:30.400 Even well, we to the best of our knowledge, because we do 399 00:31:30.559 --> 00:31:34.000 have a couple of neighbors in particular that really do look out for us. 400 00:31:36.119 --> 00:31:38.279 We think this happened overnight, so they were out there in the middle of 401 00:31:38.319 --> 00:31:47.440 the night doing this. Just it's mind boggling. And the more I talk 402 00:31:47.440 --> 00:31:49.680 about it, the angrier I get about it again, because this is we 403 00:31:49.759 --> 00:31:55.319 don't conduct ourselves in a way that this retaliation would have been justified in any 404 00:31:55.359 --> 00:31:57.200 way, shape or form. I'm not saying that retaliation like this ever would 405 00:31:57.240 --> 00:32:01.279 be, but not in your eyes. But in their eyes they thought that 406 00:32:02.839 --> 00:32:07.480 obviously they Yeah, I don't know who they are. I can't understand the 407 00:32:07.519 --> 00:32:10.240 way they think. Because there are lines you don't cross, and this is 408 00:32:10.279 --> 00:32:15.359 the way. What can we do to help you? It's nuts just getting 409 00:32:15.359 --> 00:32:20.039 the word out there? All right, let's talk about how about putting a 410 00:32:20.119 --> 00:32:24.720 reward out? How about putting a reward out over the air. We have 411 00:32:24.920 --> 00:32:30.319 a ten thousand dollars reward. Okay, now tell us how do they narrow 412 00:32:30.359 --> 00:32:35.279 it down? It's in Elbert County, right, yes, where I mean, 413 00:32:35.319 --> 00:32:38.160 can you get I mean, is it something you don't mind giving out? 414 00:32:39.000 --> 00:32:42.640 It's off of Mall Road in one o two, so it is. 415 00:32:42.720 --> 00:32:47.960 It is way out there. Someone knows, someone listening knows who did this. 416 00:32:49.160 --> 00:32:53.039 Someone knows. It's too random. You don't just go driving around and 417 00:32:53.079 --> 00:32:57.839 say, let's stop here and cut down trees. Did you say Maul Road 418 00:32:58.039 --> 00:33:07.559 like mull m a U l Omall Road and yes? And what? Okay? 419 00:33:07.519 --> 00:33:10.799 Okay, hold on, we want to uh, we want to talk 420 00:33:10.839 --> 00:33:14.799 about this and figure out what we can do for you. Okay, So 421 00:33:14.920 --> 00:33:23.440 hold on, I'm Tom Martino. Go with a sure thing Denver's best roofer 422 00:33:23.559 --> 00:33:30.720 Excel Roofing dot com. You don't pay a cent until you're content. Time 423 00:33:30.759 --> 00:33:37.039 for an insurance checkup free, no obligation comparison call Compass Insurance paying too much 424 00:33:37.160 --> 00:33:40.440 your coverage at dozens of insurance companies find out now three oh three seven seven 425 00:33:40.440 --> 00:33:45.240 to one help. You'll think you're his only customer when you choose Frank Durand 426 00:33:45.240 --> 00:33:49.680 the real estate Man dot com to list your home with Remax Alliance three oh 427 00:33:49.720 --> 00:33:54.759 three nine two zero sixteen twenty two. Hi Tom Martino here three oh three 428 00:33:55.039 --> 00:34:00.119 seven one three talk threer three seven one three A two five five. So 429 00:34:00.720 --> 00:34:06.440 we want to figure out what to do the road. If you have any 430 00:34:06.480 --> 00:34:10.239 information, what number should they call Albert County Sheriff's Department or what I mean? 431 00:34:12.119 --> 00:34:15.000 If they saw anything hurt anything that's so far out there, but they 432 00:34:15.079 --> 00:34:19.639 might have ideas. They hired a private detective. And in case you just 433 00:34:19.679 --> 00:34:23.199 tuned in this Jamie and her husband they run a tree farm. They had 434 00:34:23.199 --> 00:34:29.920 two hundred and seventy trees vandalized. People cut down their fence, went in 435 00:34:30.039 --> 00:34:35.400 and just saw down with the chainsaw, two hundred and seventy trees plus destroyed 436 00:34:35.960 --> 00:34:40.519 the irrigation system. Just plain mean, destructive, hateful, you know, 437 00:34:40.559 --> 00:34:45.280 that's what There's so much of that going on nowadays, so much of that. 438 00:34:45.599 --> 00:34:49.599 And it's not like they stole it. They didn't have money as a 439 00:34:49.639 --> 00:34:52.280 motive. It was pure disgust and hate. What else do you call it? 440 00:34:53.000 --> 00:34:59.480 Anyway, it was out near Mall Road, m aul Mall Road and 441 00:35:00.199 --> 00:35:07.400 Road one oh two in Elbert County. And anybody have any ideas, give 442 00:35:07.480 --> 00:35:13.119 us the call or give this Elbert County Sheriff's Department a call. And we 443 00:35:13.239 --> 00:35:15.639 have more coming up on the Troubleshooter Show. We've been talking about a whole 444 00:35:15.639 --> 00:35:20.440 bunch of stuff. But if you have problems, questions and complaints, they 445 00:35:20.440 --> 00:35:22.880 get priority. Monty, I promise you you're first out of the gate. 446 00:35:22.920 --> 00:35:31.199 Will talk about Markly Motors coming up go with a sure thing Denver's best roofer 447 00:35:31.320 --> 00:35:38.599 Excel Roofing dot com. You don't pay a cent until you're contenth time for 448 00:35:38.639 --> 00:35:44.800 an insurance check up free, no obligation comparison call Compass Insurance paying too much 449 00:35:44.920 --> 00:35:47.920 your coverage at dozens of insurance companies find out now three O three seven to 450 00:35:49.000 --> 00:35:52.639 seven to one help. You'll think you're his only customer when you choose Frank 451 00:35:52.679 --> 00:35:57.440 durand the real estate Man dot com to list your home with Remax Alliance threeh 452 00:35:57.480 --> 00:36:09.719 three nine two zero sixteen twenty two Ripped news. So you don't have the 453 00:36:12.760 --> 00:36:17.360 cam un in. Just susass as we can. Shooter's gonna help. Come 454 00:36:17.960 --> 00:36:24.719 man, This is the Troubleshooter Show. No Tom Martino, Hi Tom Martino, 455 00:36:24.760 --> 00:36:30.079 Your Troubleshooter three oh three seven one three talk three oh three seven one 456 00:36:30.119 --> 00:36:32.360 three eight two five five. This hour brought to you by waterpros dot net. 457 00:36:32.800 --> 00:36:37.320 I think water is one of the most primary things we can do for 458 00:36:37.360 --> 00:36:42.159 ourselves fresh drinking water, along with of course supplements and and here's the deal 459 00:36:42.199 --> 00:36:45.840 and good food. Of course, waterpros dot net one of the few people 460 00:36:45.360 --> 00:36:51.280 that have dedicated themselves to quality water for your home at affordable prices. And 461 00:36:51.320 --> 00:36:54.480 when I say this, I mean it. You will never find better at 462 00:36:54.519 --> 00:37:00.360 better systems at lower prices, nor more dedication than Paul the water Waterman, 463 00:37:00.800 --> 00:37:04.960 Waterpros Dot need Now water Pros. When I tell you that, I mean 464 00:37:05.000 --> 00:37:09.000 that three oh three eight six two five five five four whole systems for the 465 00:37:09.159 --> 00:37:13.480 entire house, just thirty four or thirty five hundred at the kitchen sink, 466 00:37:13.519 --> 00:37:16.440 all the drinking water you want, fourteen hundred bucks whatever, It's just wonderful. 467 00:37:16.519 --> 00:37:21.280 Three oh three eight six two five five five four. Let's talk about 468 00:37:21.360 --> 00:37:24.480 Marklely Motors to Monty. And by the way, I appreciate you all being 469 00:37:24.480 --> 00:37:28.800 here. We were talking about Project twenty twenty five. Now listen when I 470 00:37:28.840 --> 00:37:32.400 say this. Some people texted me and said, Tom, why bother reading 471 00:37:32.440 --> 00:37:38.400 it if no candidates are claiming it. Well, I'm reading it because it's 472 00:37:38.440 --> 00:37:43.280 been in the news, and I read the entire thing from cover to cover. 473 00:37:43.519 --> 00:37:45.679 Now, I can't tell you I'm an expert at it at all, 474 00:37:45.239 --> 00:37:50.360 but I read it, and what I said was I could see where some 475 00:37:50.440 --> 00:37:55.039 people would call it extreme and some from their viewpoint. And I can also 476 00:37:55.119 --> 00:38:00.840 see where some people would fully embrace it from their viewpoint, because it really 477 00:38:00.920 --> 00:38:06.119 takes some very strong opinions. And if I had to sum it up, 478 00:38:07.960 --> 00:38:13.639 they the authors of twenty twenty five, do not believe we should do anything 479 00:38:13.679 --> 00:38:19.280 special for gender dysphoria, especially when it comes to public funding. Not that 480 00:38:19.360 --> 00:38:22.760 they should be discriminated against, but nothing should be done in the military, 481 00:38:23.119 --> 00:38:30.119 or in education, or in funding of anything health related to so called gender 482 00:38:30.360 --> 00:38:35.039 dysphoria. That's really a pretty good summary. And they believe we devote too 483 00:38:35.119 --> 00:38:42.400 much time, energy and money to these transgender issues, including the sports title 484 00:38:42.480 --> 00:38:45.519 nine and all of that nothing should be altered for them, and that they 485 00:38:45.559 --> 00:38:51.960 believe gender is sex and that gender is not a list of forty other things 486 00:38:52.000 --> 00:38:54.760 outside of sex. So that's a good and I can see where that angers 487 00:38:54.760 --> 00:39:00.960 a lot of people. Right. Then they think abortion is wrong, done 488 00:39:00.119 --> 00:39:05.880 over, should never be done, and that they should only support candidates and 489 00:39:06.280 --> 00:39:10.400 lawmakers and people who are against it and have a pro life stance. Okay, 490 00:39:10.519 --> 00:39:13.920 they don't say they should outlaw it, they never go that far. 491 00:39:14.320 --> 00:39:19.760 And then they talk about climate change, that climate change is something that's inevitable 492 00:39:19.960 --> 00:39:23.039 and history and that man, you know, no matter what we do as 493 00:39:23.079 --> 00:39:29.840 America and spending the trillions of dollars we do, we cannot affect enough change 494 00:39:29.840 --> 00:39:34.360 to make a difference. Unless the world was united in one effort, even 495 00:39:34.480 --> 00:39:38.639 that would not bring about enough change. So they're saying that we're devoting too 496 00:39:38.719 --> 00:39:43.880 much time and attention. In essence, they're saying we're devoting too much time 497 00:39:43.920 --> 00:39:52.000 and attention to climate change, gender identity and the other, abortion, all 498 00:39:52.039 --> 00:39:58.599 those things, and racism. They believe that we devote too much time to 499 00:39:58.639 --> 00:40:02.639 that stuff and we are actually creating divisions among people. Now, I'm one 500 00:40:02.719 --> 00:40:06.599 of the few in the media that actually read the damn thing. Now, 501 00:40:06.679 --> 00:40:09.639 I don't see anything extreme as far as calling for nationwide bands or laws or 502 00:40:09.679 --> 00:40:15.719 anything like that. But they say if we spent money to just help people 503 00:40:15.119 --> 00:40:21.199 Americans and the country, and to keep us safe and to keep us secure, 504 00:40:21.480 --> 00:40:24.719 we'd be far better off and pay less taxes overall. Now, when 505 00:40:24.760 --> 00:40:29.400 you read it, you know, I can see where a lot of people 506 00:40:29.400 --> 00:40:30.840 would say, oh my god, you know, it's going to be bringing 507 00:40:30.920 --> 00:40:36.679 us back to the eighteen hundreds. In a way, it does regress some 508 00:40:36.760 --> 00:40:42.239 of the policies that we've had. In other ways, it's refreshing, but 509 00:40:42.360 --> 00:40:45.039 it depends on what sections you read. That's my take on it. But 510 00:40:45.199 --> 00:40:50.360 I urge people to read it. In fact, I should make I mean 511 00:40:50.679 --> 00:40:52.079 should I don't have to do it. You can do it just if you 512 00:40:52.159 --> 00:40:57.599 google it. It's in a PDF. You just say what it is. 513 00:40:57.679 --> 00:41:00.159 You don't see anything wrong in it. I didn't say that. I said 514 00:41:00.199 --> 00:41:04.159 I don't see anything either way. I mean, I think there's a lot 515 00:41:04.159 --> 00:41:07.760 of good stuff in it, and I think there's some stuff in it that 516 00:41:07.880 --> 00:41:10.920 some people would find offensive. I personally don't find anything offensive about it. 517 00:41:10.960 --> 00:41:15.119 Okay, if that's what you want me to say, you don't. I 518 00:41:15.159 --> 00:41:19.679 don't personally find anything offensive about it or dangerous. I can see, however, 519 00:41:19.760 --> 00:41:25.320 where people could use it to advance ideologies that could suppress people. I 520 00:41:25.320 --> 00:41:29.440 am. Those people I doubt have read it. Those people are the people 521 00:41:29.480 --> 00:41:32.280 you're talking about. They haven't even read it. And there are a lot 522 00:41:32.320 --> 00:41:37.159 of things that we all believe in ourselves, right, But yeah, good 523 00:41:37.519 --> 00:41:42.400 information is never bad, right. You will present the information about something that 524 00:41:42.440 --> 00:41:45.719 most people don't know what it is. And I don't know how anybody can 525 00:41:45.760 --> 00:41:50.559 get upset about the fact that it's as long as what you're saying is truthful, 526 00:41:50.840 --> 00:41:53.519 and I know it is. It's just you're bringing up I'm trying to 527 00:41:53.519 --> 00:41:59.320 be rather neutral about it, but I'm saying that I just don't. I 528 00:41:59.320 --> 00:42:04.159 don't think it'sangerous at all. There's nothing dangerous. But listen, if you're 529 00:42:04.280 --> 00:42:09.000 into and by the way, one day, let's not forget neither candidate has 530 00:42:09.039 --> 00:42:15.360 anything to do with them. Less than one percent of the people suffer from 531 00:42:15.000 --> 00:42:19.880 gender dysphor you. It seems to me. Now, I'm not saying that 532 00:42:20.000 --> 00:42:24.119 people should be left behind just because they're a small minority. Okay, we're 533 00:42:24.159 --> 00:42:29.559 not that kind of country. But I think we devote far too much attention 534 00:42:29.760 --> 00:42:34.679 to those issues, far too much attention. I mean, I don't get 535 00:42:34.719 --> 00:42:37.239 it. I just personally don't get it. But then I'm not affected by 536 00:42:37.280 --> 00:42:43.400 it. But we've allowed the progressive left to redefine our culture to some degree. 537 00:42:43.559 --> 00:42:50.320 We're bending over backwards to satisfy the demands of a very small percentage of 538 00:42:50.360 --> 00:42:53.239 a population. Now and again, when we say left, we don't have 539 00:42:53.400 --> 00:42:57.000 extreme left all the time. Just like when we say right, we don't 540 00:42:57.039 --> 00:43:00.480 have extreme right. That's the problem to we all use a word and then 541 00:43:00.639 --> 00:43:05.920 immediately we have our own definition of what that word means, and many of 542 00:43:06.000 --> 00:43:09.119 us have chosen to mean a left is extreme and right is extreme, and 543 00:43:09.119 --> 00:43:13.280 there's no in between. But there is in between. In fact, I 544 00:43:13.320 --> 00:43:17.480 think most people don't feel fully about one or I don't think they fully feel 545 00:43:17.559 --> 00:43:21.280 right or left. I don't think they do. I might be wrong. 546 00:43:21.519 --> 00:43:25.679 Anyway, Monty, let's talk about this problem with Marklee Motors. Where is 547 00:43:25.719 --> 00:43:30.840 Markelee Motors located? I fear it's going It's in Wells County, isn't it? 548 00:43:30.880 --> 00:43:35.599 Is it Larimer County? I believe? Okay, I'm okay. So 549 00:43:35.639 --> 00:43:39.360 anyway, Monty, what happened? Yeah, what happened. It's not a 550 00:43:39.360 --> 00:43:43.599 whole lot of money, and they might be legit, but I took it 551 00:43:43.639 --> 00:43:45.320 in for an air conditioning. Now, by the way, this is not 552 00:43:45.400 --> 00:43:50.880 a car you bought there? Correct? Okay? What car do you take 553 00:43:50.920 --> 00:43:55.679 in? It's a two thousands Okay, a two thousand buick Le Saber. 554 00:43:55.760 --> 00:44:01.920 Go ahead. So I took it and for air conditioning recharge. The guy 555 00:44:01.960 --> 00:44:07.519 told me it'd be one hundred and seventy bucks and then he would do as 556 00:44:07.599 --> 00:44:09.920 much as he could for that amount, and if something was wrong past that, 557 00:44:10.000 --> 00:44:15.199 he'd give me a call that. So this was for to install an 558 00:44:15.199 --> 00:44:19.360 AC or service it. Service it. It was just blowing hot air. 559 00:44:19.440 --> 00:44:22.079 Oh my god. One of the I just thought it was a free on 560 00:44:22.400 --> 00:44:25.320 recharge or whatever they do. So he said one hundred and seventy bucks. 561 00:44:25.320 --> 00:44:30.320 He'd work on the air conditioner and then call me that needed more stuff. 562 00:44:30.000 --> 00:44:36.360 Well, they called me and said the thing was leak and they have a 563 00:44:36.400 --> 00:44:39.360 whole thing. They went through leak inspection showed leaking out of the air conditioner, 564 00:44:39.480 --> 00:44:43.679 blah blah, hoses needed. It was going to be one thousand dollars. 565 00:44:45.079 --> 00:44:46.440 I said, well I don't want to do that, so I'll just 566 00:44:46.440 --> 00:44:50.559 come pick it up. So I'd come in to pick it up and they 567 00:44:50.599 --> 00:44:53.440 say they didn't do any work on it. Then they just had the diagnosis 568 00:44:53.480 --> 00:44:55.960 on it. And then I'd go to pick it up and they say it's 569 00:44:55.960 --> 00:44:59.719 one hundred and fifty seven dollars. Well, of course it is. They 570 00:44:59.760 --> 00:45:02.960 did they did a diagnostic. Okay, So that's what I said. I 571 00:45:04.440 --> 00:45:07.760 I mean, why should it be free? I mean, why should it 572 00:45:07.760 --> 00:45:12.039 be free? They? I mean, I mean, okay, I get 573 00:45:12.039 --> 00:45:15.400 what you're saying. You're saying they would service it for one seventy, Well, 574 00:45:15.440 --> 00:45:19.440 they did kind of service it. I mean servicing includes die. I 575 00:45:19.440 --> 00:45:23.079 don't listen. That's my perspective, Mark, What is your perspective on that. 576 00:45:23.840 --> 00:45:27.719 Well, I don't know what they did, but most likely if it 577 00:45:27.840 --> 00:45:31.440 was a very small hole. When they actually hooked up the machine to recover 578 00:45:31.519 --> 00:45:36.119 the free on, they put another they put more free on in with a 579 00:45:36.239 --> 00:45:38.440 die. Then they saw the die coming out and then call them up and 580 00:45:38.559 --> 00:45:42.719 tried to sell you'll rip the additional work. Would you feel ripped off? 581 00:45:42.760 --> 00:45:45.360 Mark? If they said it's one hundred and seventy for service. Oh, 582 00:45:45.440 --> 00:45:49.920 by the way, we can't really service it. We found a leak one 583 00:45:49.960 --> 00:45:52.199 of those I have it once again. I think they had to hook it 584 00:45:52.280 --> 00:45:55.679 up to the machine and start the EVAC and recharge on it. So they 585 00:45:57.039 --> 00:46:00.559 literally had to do the service. They just found out it had a hole. 586 00:46:00.119 --> 00:46:04.360 Monty. Did you feel what did you feel they should charge you? 587 00:46:04.440 --> 00:46:07.280 Let's put it that way. Well, that's I mean, that's why, 588 00:46:07.840 --> 00:46:10.800 you know, sort of precist that was saying it could be totally legit. 589 00:46:10.960 --> 00:46:15.280 You know, just what did you feel? What was your first initial reaction? 590 00:46:17.920 --> 00:46:22.920 That they maybe could have put in like one of the hoses on it 591 00:46:23.039 --> 00:46:29.119 or instead or something just for the one seventy did some kind of work on 592 00:46:29.199 --> 00:46:32.800 it. You know, I think they did. I think they did. 593 00:46:32.880 --> 00:46:37.639 I mean really, I honestly think they did. But okay, well, 594 00:46:37.880 --> 00:46:42.000 I really appreciate you your and especially especially because I know you guys know. 595 00:46:42.360 --> 00:46:45.480 Yeah, we we don't know everything, but we have good feelings. Let's 596 00:46:45.480 --> 00:46:49.320 put it this way. We have a good barometer based on all of the 597 00:46:49.320 --> 00:46:52.800 calls we take. Now, if you said agree, if you said, 598 00:46:52.800 --> 00:46:57.599 hey, well beyond that I have I have probably performed and sold ten thousand 599 00:46:57.679 --> 00:47:00.000 of those over my lifetime. You have to hook the machine up. I 600 00:47:00.039 --> 00:47:04.599 mean, unless if they were a complete ripoff place. I mean, you 601 00:47:04.760 --> 00:47:07.880 have to hook the machine up. Okay, Now, by the way, 602 00:47:07.159 --> 00:47:10.920 thank you for calling Monty. Now, what do you guys think of what 603 00:47:12.000 --> 00:47:16.599 happened to Terrell Davis? Okay? Do you think if he was I want 604 00:47:16.599 --> 00:47:21.159 to ask it because everyone's asking it. If he was a white man, 605 00:47:21.199 --> 00:47:24.400 it would have happened. Listen, what do you think do you think it 606 00:47:24.440 --> 00:47:28.960 was because he was I don't know how. I don't know how the tap 607 00:47:29.000 --> 00:47:32.599 went down and I don't know what. I don't know what mood the stewardess 608 00:47:32.719 --> 00:47:37.000 was in or the flight attendant. So I don't know, man, but 609 00:47:37.119 --> 00:47:40.519 it's a crazy story, clear picture. Was this a female flight attendant? 610 00:47:40.840 --> 00:47:45.880 Do we know that? I couldn't even tell you. I don't know. 611 00:47:45.320 --> 00:47:51.320 I think it was because I think it said she was taken off of active 612 00:47:51.360 --> 00:47:53.960 duty or something. But in any case, I'm just curious what people think 613 00:47:53.960 --> 00:47:58.679 about it. Really, I am, Well, you better explain what we're 614 00:47:58.679 --> 00:48:00.719 talking about, because a lot of people don't know. Ozay, go ahead, 615 00:48:00.719 --> 00:48:07.119 Mark Well as my best recollection. I didn't know you were bringing it 616 00:48:07.199 --> 00:48:09.039 up, but Suzanne kind of filled me in on it. Yesterday. He's 617 00:48:09.079 --> 00:48:13.880 on an airplane with his kid. His kid asked for a glass of water 618 00:48:14.079 --> 00:48:17.079 or a cup of water or a drink or something along those terms, and 619 00:48:17.360 --> 00:48:23.039 she just either didn't respond at all or said she was going to do it, 620 00:48:23.119 --> 00:48:27.840 but basically, like, I don't think she responded or he responded for 621 00:48:27.880 --> 00:48:30.960 that matter, So Terrell tapped him like, hey, did you hear him? 622 00:48:31.320 --> 00:48:35.280 And then all of a sudden, he basically gets asked to get off 623 00:48:35.360 --> 00:48:37.519 the plane. Okay, And the way it happened actually which was weirder in 624 00:48:37.559 --> 00:48:42.679 my opinion, was he tapped her, and you know when it's when when 625 00:48:42.679 --> 00:48:45.960 the when the I guess they were flying at the time, okay, they 626 00:48:46.199 --> 00:48:49.679 I think, or they I don't think they were on the ground. I 627 00:48:49.719 --> 00:48:52.400 don't know. But when he tapped her, you know, you know, 628 00:48:52.480 --> 00:48:55.519 in a plane, you know everything, you might have to speak up loud 629 00:48:55.599 --> 00:48:59.800 or sudden. Maybe he tapped her and as you said, he didn't realize 630 00:48:59.800 --> 00:49:01.440 how hard. Who knows, but he said he tapped her to get her 631 00:49:01.480 --> 00:49:06.320 attention, and then she says, don't you hit me? But then that 632 00:49:06.559 --> 00:49:09.119 was it. Apparently it was a male by the way. And then after 633 00:49:09.480 --> 00:49:14.039 the flight is when he was detained. To see, people don't understand that 634 00:49:14.800 --> 00:49:19.599 everything went normal from that point on. They didn't talk to each other, 635 00:49:19.960 --> 00:49:23.079 and at the end of the flight when they landed, there were FBI agents 636 00:49:23.079 --> 00:49:28.880 there to detain him. But then he was exonerated one hundred percent. They 637 00:49:28.920 --> 00:49:31.440 said he didn't do anything wrong. That's right. But to go back to 638 00:49:31.480 --> 00:49:36.440 your question, I don't think. I don't know if there was any relevance 639 00:49:36.800 --> 00:49:38.559 if it was a black guy or not. I just I don't even know 640 00:49:38.599 --> 00:49:44.599 how I'd make that determination without being there and not knowing that that that dude's 641 00:49:44.639 --> 00:49:49.639 background, that background could be a racist bigot for all I know, or 642 00:49:49.679 --> 00:49:52.559 he could be married to a black woman. I have no idea. Hey, 643 00:49:52.599 --> 00:49:55.360 guys, can I pop in here some info? So, first of 644 00:49:55.400 --> 00:49:59.719 all, it was a male flight descendant, okay, thank you. Okay, 645 00:50:00.280 --> 00:50:04.360 of all, his son, Terrell Davis's son politely asked for a cup 646 00:50:04.400 --> 00:50:09.880 of ice, okay, and the flight attendant pushed the cart through somewhat ignoring 647 00:50:09.960 --> 00:50:17.239 him. So Terrell actually like turned around still in his seat and tapped him 648 00:50:17.280 --> 00:50:23.159 on the shoulder, and basically, in his own words, he says, 649 00:50:23.320 --> 00:50:29.159 the flight attendant either didn't hear or ignored his requests and continued pat to pass 650 00:50:29.280 --> 00:50:34.480 a row. I calmly reached behind me and lightly tapped his arm to get 651 00:50:34.519 --> 00:50:39.679 his attention to again ask for ice for my son. His response, and 652 00:50:39.760 --> 00:50:45.719 the event was he shouted, don't hit me and left the cart to hurriedly 653 00:50:45.800 --> 00:50:49.039 approach the front of the plane. Okay, So, by the way, 654 00:50:49.239 --> 00:50:52.480 and then that's why nothing was done. Then they were in flight when that 655 00:50:52.639 --> 00:50:55.599 happened. Then nothing happened throughout the flight. But at the end of the 656 00:50:55.679 --> 00:51:00.320 flight is when they entered, so they might to call thehead and said, 657 00:51:00.639 --> 00:51:05.239 I have a guy that was disruptive and I want because that's what they do. 658 00:51:05.320 --> 00:51:07.639 And then at the end of the flight, when you land, there 659 00:51:07.639 --> 00:51:10.400 are people there to meet you. So my gut is the guy this this 660 00:51:10.599 --> 00:51:16.199 uh stewardess or excuse me, flight attendant is a complete jackass. Yeah, 661 00:51:16.239 --> 00:51:20.920 who knows what motivated him. You know, that's weird. But anyway, 662 00:51:21.280 --> 00:51:24.599 Terrell Davis was very upset about it, posted on social media and then have 663 00:51:24.639 --> 00:51:30.400 been he has been interviewed by others and I just wondered what people thought about 664 00:51:30.400 --> 00:51:37.119 that, because it did You know, the airlines are very very very sensitive 665 00:51:37.199 --> 00:51:39.159 right now to I mean not now, but over the last few years, 666 00:51:39.519 --> 00:51:46.920 especially just round COVID, they started getting really really sensitive about anyone who disobeys 667 00:51:46.960 --> 00:51:52.400 them in any way or acts up in any way. Yeah, well you 668 00:51:52.440 --> 00:52:00.000 give you give go with a sure thing Denver's Best roofer Excel roofing dot com. 669 00:52:00.079 --> 00:52:06.360 You don't pay a cent until you're content, wait time for an insurance 670 00:52:06.440 --> 00:52:10.000 checkup free, no obligation. In comparison, call Compass insurance paying too much 671 00:52:10.119 --> 00:52:15.119 your coverage at dozens of insurance companies find out now three oh three seven to 672 00:52:15.159 --> 00:52:17.800 seven to one help. You'll think you're his only customer when you choose Frank 673 00:52:17.880 --> 00:52:22.480 durand the real estate man dot com to list your home with Remax Alliance three 674 00:52:22.480 --> 00:52:31.000 oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter. 675 00:52:31.079 --> 00:52:34.960 Three oh three seven one three talks seven one three eight two five five. 676 00:52:35.000 --> 00:52:38.079 Compass Insurance Group free insurance checkups. Make sure you're not under insured or 677 00:52:38.119 --> 00:52:43.800 paying too much. Three oh three nine nine six nine thousand. Kate has 678 00:52:43.800 --> 00:52:46.199 a comment on Project twenty twenty five. Go ahead, Kate, what is 679 00:52:46.239 --> 00:52:52.199 your comment? Hi? Tom, I have read it and I would just 680 00:52:52.280 --> 00:52:55.800 ask you to do to dive a little deeper. On the same page where 681 00:52:55.800 --> 00:53:00.599 you found the twenty twenty uh twenty twenty five, there are position papers. 682 00:53:01.000 --> 00:53:07.039 When you read those, then they're written by board members of the Project twenty 683 00:53:07.119 --> 00:53:13.880 twenty five about the restructuring that they would like to see within the government. 684 00:53:14.119 --> 00:53:22.679 It includes replacing current people and putting them through indoctrinations. Okay, I'm using 685 00:53:22.679 --> 00:53:28.360 that word. Training program would be the where they use extemely training program. 686 00:53:28.440 --> 00:53:32.559 How to you know, be an administrator? No, you're right, you're 687 00:53:32.599 --> 00:53:37.039 right, they're talking You're talking about administrators. Now, what they're saying is 688 00:53:37.320 --> 00:53:43.360 they define each position and the purpose of the position, and what qualities the 689 00:53:43.360 --> 00:53:47.159 person should have and what should be their priorities based on their agency. Like 690 00:53:47.360 --> 00:53:52.880 le, yeah, you're the same thing every employer in the world does when 691 00:53:52.920 --> 00:53:57.280 they interview you. But but what did you not Was there something that troubled 692 00:53:57.280 --> 00:53:59.440 you about a Kate, I want to look it up. What section are 693 00:53:59.440 --> 00:54:06.039 you talking about out, well, I'm talking about those the recommendations for staff, 694 00:54:06.159 --> 00:54:08.519 right, Okay, go ahead, So what did you find what did 695 00:54:08.599 --> 00:54:17.440 you find troubling, if anything, that they would they believe in replacing current 696 00:54:19.000 --> 00:54:23.760 people who may or may not have any political affiliation. You can't assume that 697 00:54:23.880 --> 00:54:29.719 everyone who works for the government is a particular affiliation, right. So the 698 00:54:29.760 --> 00:54:31.639 way they did that, and I'll let what she's talking about is this, 699 00:54:32.239 --> 00:54:38.079 they took it an office position or an administrative physician, and they highlight it 700 00:54:38.119 --> 00:54:43.559 with a topic, and then they go down and say this position is critically 701 00:54:43.599 --> 00:54:47.000 important. This is why, and then they explain the office and then they 702 00:54:47.039 --> 00:54:52.400 say what that person should be doing and what they shouldn't be doing. Yes, 703 00:54:53.519 --> 00:54:58.239 okay, and you know, that's fine. They certainly can have their 704 00:54:58.760 --> 00:55:01.519 voice along that. This is a twenty Remember this is not supposed to be 705 00:55:01.559 --> 00:55:07.000 completed until twenty fifty. It's a long term. Wait. Wait, just 706 00:55:07.039 --> 00:55:12.000 stick to what you called about. Stick to exactly what Tom just asked you. 707 00:55:12.280 --> 00:55:16.159 What do you find wrong with the employer wanting people to understand what their 708 00:55:16.280 --> 00:55:21.679 job responsi abilities are and whether they can do them or not. What's wrong 709 00:55:21.719 --> 00:55:25.400 with that? There's nothing wrong with that. You're assuming that that isn't already 710 00:55:25.440 --> 00:55:30.559 happening. And I guess, okay, I see what Kate is saying. 711 00:55:30.639 --> 00:55:35.159 Is this Kate is saying, how can you say, for example, that 712 00:55:35.280 --> 00:55:40.880 one position should not cater to because it talks about not catering to gender issues, 713 00:55:40.920 --> 00:55:45.239 for example, or not catering to climate change because their office is not 714 00:55:45.400 --> 00:55:50.519 meant to do that. She is saying, how do you assume that everyone 715 00:55:50.679 --> 00:55:55.199 in the administrative government is doing the wrong thing to begin with? Well, 716 00:55:55.280 --> 00:56:00.400 I don't think that assumption's being made. Are you saying that they want a 717 00:56:00.440 --> 00:56:04.400 wide sweep firing of everybody in government? No, they want to review of 718 00:56:04.480 --> 00:56:07.719 everyone, though they do they do. What's wrong with that? If I 719 00:56:07.800 --> 00:56:10.199 bought when I bought. When I bought four good years, guess the first 720 00:56:10.199 --> 00:56:15.519 thing I did was go buy and interview every single employee in person, down 721 00:56:15.559 --> 00:56:17.960 to the tire changes to make a decision if they were going to be with 722 00:56:19.000 --> 00:56:24.000 me or not. Do you think that everyone everyone in a government, in 723 00:56:25.159 --> 00:56:32.960 our government should be believing exactly what you know, what Trump wants? No, 724 00:56:34.079 --> 00:56:36.719 it's well, why did you just say Trump? Trump's not now we're 725 00:56:36.800 --> 00:56:40.719 associated Trump? Put this again. It didn't talk about Trump. Okay, 726 00:56:40.719 --> 00:56:45.760 go ahead. They need a Republican administration, they said, so after our 727 00:56:45.840 --> 00:56:53.360 next Republican president is elected, whether that be Trump or someone else. They 728 00:56:53.639 --> 00:56:59.920 you're missing it. The Trump disassociated himself from this group. But it does 729 00:57:00.079 --> 00:57:02.440 no matter what she is saying. What she is saying is this, if 730 00:57:02.480 --> 00:57:08.599 Trump becomes president or whoever is president, according to this agenda. By the 731 00:57:08.639 --> 00:57:14.840 way, this agenda does not have just the president dictating this. What it 732 00:57:14.960 --> 00:57:21.800 is. It's a list of duties for the state, for the administrative state, 733 00:57:22.079 --> 00:57:25.159 the regulatory state. It's a list of duties, and it's a list 734 00:57:25.239 --> 00:57:30.960 of do nots and stuff they're not supposed to get involved in. All it 735 00:57:30.079 --> 00:57:37.639 is is policy. What's wrong with that? Because they are not the experts 736 00:57:37.679 --> 00:57:40.840 in that they are a lot of them come out of his previous administration, 737 00:57:42.239 --> 00:57:45.519 a lot of the board people. But well, you keep talking about Trump. 738 00:57:45.760 --> 00:57:49.360 So if Biden did it, it would be fine with you. No, 739 00:57:49.360 --> 00:57:53.440 No, I don't want either side to take over quote unquote, Well 740 00:57:53.480 --> 00:57:58.199 then who does see I'm not trying to argue with you, but who does 741 00:57:58.639 --> 00:58:06.599 Kate. Someone's got lay down how they're administrative staff and regulators regulate. Who 742 00:58:06.599 --> 00:58:09.639 else should do that other than the leadership. That's why, that's why they're 743 00:58:09.679 --> 00:58:15.000 the leadership. I mean, they set forth policy for their staff. I 744 00:58:15.039 --> 00:58:20.639 see here. I happen to believe that the regulative state right now, the 745 00:58:20.760 --> 00:58:27.559 administrative state, they're they're overrun with power. That they they're drunk with power, 746 00:58:27.840 --> 00:58:30.800 and they have all kinds of power. It's amazing what they can do 747 00:58:30.880 --> 00:58:35.960 with the swipe of a pen. Tom. If you I've been watching some 748 00:58:36.119 --> 00:58:40.880 of the appropriations committees and other things on YouTube, the level of incompetence, 749 00:58:42.320 --> 00:58:47.800 ignorance, and I know anology in these agencies, Okay is overwhelmed. Now 750 00:58:47.800 --> 00:58:51.960 what Kate's saying is this, I know what she's saying. I hope Kate 751 00:58:52.320 --> 00:58:55.400 listen she's saying, some of these people, for example, in an in 752 00:58:55.440 --> 00:59:00.760 an economics office or in a budgetaria, they might be trained in in an 753 00:59:00.800 --> 00:59:04.639 accounting or a certain skills. They may have a lot of skills that an 754 00:59:04.639 --> 00:59:08.039 elected officer would not. And just the mere fact that you have elected people 755 00:59:08.039 --> 00:59:12.320 saying here's how we want you to do your job. But that's not what 756 00:59:12.360 --> 00:59:17.320 they're doing. It's not These are policies that are laid down. They're not 757 00:59:17.559 --> 00:59:23.599 just picked by whoever is a senator, a congressman, or president. That's 758 00:59:23.639 --> 00:59:30.880 why they laid out this agenda because they want them to follow certain guidelines that 759 00:59:30.079 --> 00:59:35.960 so they can't, for example, make them do things outside of the guidelines. 760 00:59:36.039 --> 00:59:40.039 They're trying to lay down guidelines for their administrative staff. And I call 761 00:59:40.079 --> 00:59:45.480 it administrator. It's way more than that. It's regulatory administrative. It's basically 762 00:59:45.480 --> 00:59:49.280 what people call do they call it the deep state or whatever? The unelected 763 00:59:49.320 --> 00:59:54.760 officials. They're trying to lay down a policy for all unelected officials, saying 764 00:59:55.000 --> 00:59:59.599 you're not elected, you don't have a right to just run your office the 765 00:59:59.639 --> 01:00:02.320 way you want. Here's how you do it. Do you think there's anything 766 01:00:02.400 --> 01:00:07.559 really wrong with that? According to them. Here's how you do it. 767 01:00:07.559 --> 01:00:09.440 It's their agenda. I mean, you don't see their pushing. Oh my 768 01:00:09.480 --> 01:00:15.280 god, that would be their administration. But that's no. But but Kate, 769 01:00:15.400 --> 01:00:16.480 they're saying, you're right, you're right, Kat, You're right, 770 01:00:16.559 --> 01:00:20.400 Kate, it is according to their view. That's right, you're right. 771 01:00:20.760 --> 01:00:25.000 Yeah, okay, But if there's other views, I just think that it's 772 01:00:25.039 --> 01:00:29.880 a one you either fit in the way that we have it. It's called 773 01:00:30.320 --> 01:00:36.280 I'm sorry to draw the analogy, but you know there it is rather Hitler 774 01:00:36.480 --> 01:00:38.800 esque. Kate. Kate, Wait, just wait, wait, Mark, 775 01:00:38.880 --> 01:00:42.679 wait, I really want to say something, Kate. I swear to got 776 01:00:42.679 --> 01:00:46.039 a liberal cam three minutes Mark without saying Hitler. Mark, Hold on a 777 01:00:46.079 --> 01:00:51.400 second, Kate. You see, here's the point. Here's the point is 778 01:00:51.440 --> 01:00:58.519 that this is their agenda. You're absolutely right. But for you to pretend 779 01:00:59.320 --> 01:01:05.840 that the progressive movement doesn't have its own agenda. So what they're saying, 780 01:01:06.079 --> 01:01:09.440 here's what they're saying, this is our conservative agenda. They call it the 781 01:01:09.519 --> 01:01:14.199 conservative promise. They're not hiding from it. Now. I'm not talking about 782 01:01:14.199 --> 01:01:16.679 candidates. I'm talking about the group that put this together. Okay, So 783 01:01:17.159 --> 01:01:21.920 yes, it is their agenda, It absolutely is. But to think if 784 01:01:21.960 --> 01:01:27.519 you didn't have this, you wouldn't have an agenda is absolutely wrong because right 785 01:01:27.559 --> 01:01:34.599 now we have a woke progressive agenda just the opposite of this. So it 786 01:01:34.639 --> 01:01:38.360 doesn't so what people want is what they'll vote for. Kate, You're absolutely 787 01:01:38.440 --> 01:01:44.280 right. These people have their own agenda, just like the progressives have their 788 01:01:44.320 --> 01:01:50.039 own agenda, and right now we're under that agenda. We're under an agenda 789 01:01:50.119 --> 01:01:52.599 right now. It may not be this one, but we're under another agenda. 790 01:01:52.639 --> 01:01:57.000 Can't you agree to that? I do agree, Okay, So we're 791 01:01:57.079 --> 01:02:00.719 under whatever agenda people elect. We're under what i'd like to see, and 792 01:02:00.880 --> 01:02:06.519 maybe this is what you're saying. What i'd like to see is that no 793 01:02:06.719 --> 01:02:13.280 one has that. We we take the good and bad from different agendas and 794 01:02:13.360 --> 01:02:16.000 kind of meld them together. I mean, but I don't see anyone ever 795 01:02:16.079 --> 01:02:20.320 doing that. I don't know where the line was drawn, but it was. 796 01:02:20.679 --> 01:02:22.920 We're never gonna have people in the middle saying, you know, it's 797 01:02:23.000 --> 01:02:25.960 okay to do this, and let's do this, but not this, and 798 01:02:27.039 --> 01:02:34.920 not that. They're never gonna meld the agendas. Go with a sure thing. 799 01:02:35.039 --> 01:02:38.239 Denver's best roofer Excel Roofing dot com. You don't pay a cent until 800 01:02:38.280 --> 01:02:45.800 you're content. Time for an insurance check up free, no obligation. In 801 01:02:45.840 --> 01:02:51.159 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 802 01:02:51.239 --> 01:02:53.679 find out now three o three seven seven to one help. You'll think you're 803 01:02:53.719 --> 01:02:58.599 his only customer when you choose Frank Durand The real estate Man dot com to 804 01:02:58.679 --> 01:03:02.199 list your home with re Max Alliance three oh three nine two zero sixteen twenty 805 01:03:02.239 --> 01:03:16.880 two. Hi Tom Martine here three oh three seven one three talk three oh 806 01:03:16.920 --> 01:03:22.800 three seven one three eight two five five Frank Ran the real estate man for 807 01:03:22.840 --> 01:03:25.199 market valuations of your home. I mean that if you look into sell a 808 01:03:25.199 --> 01:03:29.480 house, so many people have questions. First ask your questions. No obligation. 809 01:03:29.880 --> 01:03:31.039 You never have to listen with him, but he'll tell you what he 810 01:03:31.039 --> 01:03:36.039 thinks it will sell for and why, and all of the market factors affecting 811 01:03:36.039 --> 01:03:37.800 your home. He'll even tell you how to stage it if you don't want 812 01:03:37.800 --> 01:03:40.440 to use him. He's a great man. Three oh three nine two zero 813 01:03:42.199 --> 01:03:45.559 sixteen twenty two. Franc Durin The real Estate Man dot com. Okay, 814 01:03:45.599 --> 01:03:54.000 so, Kevin Uh, go ahead. Now you had an issue with Gilbert's 815 01:03:54.320 --> 01:04:00.800 tree service. You were working with Deputy Doc. What is going on, 816 01:04:01.199 --> 01:04:08.400 sir, Well, when he delivered the firewood back in February. Uh, 817 01:04:08.440 --> 01:04:12.079 he was driving a truck pulling a trailer and the four wheel drive wasn't working, 818 01:04:12.440 --> 01:04:15.239 that's right, and he got and he got stuck on he got stuck 819 01:04:15.280 --> 01:04:19.079 on the ice, and then maybe eventually he slid sideways and he finally got 820 01:04:19.119 --> 01:04:24.920 the truck and trailer out. And you said that the truck did a lot 821 01:04:24.960 --> 01:04:29.159 of damage to your landscaping, right, Well, not the landscaping, the 822 01:04:30.679 --> 01:04:33.079 four x four posts, the two of them plus the gate. Oh okay, 823 01:04:33.119 --> 01:04:35.519 yeah, yeah, okay, he closed off so we can keep our 824 01:04:35.559 --> 01:04:41.280 horses in okay, And so we meet the gate. Well, they invent 825 01:04:41.400 --> 01:04:44.360 the gate up, so we need the gate replace. He took out two 826 01:04:44.400 --> 01:04:46.480 four by four posts, so we need them replaced. I'm sorry you were 827 01:04:46.599 --> 01:04:51.199 working with Deputy Dollar on this. I thought I put down here you were 828 01:04:51.199 --> 01:04:55.119 working on this. I was Deputy Doc. Oh Doc, I'm sorry, 829 01:04:55.159 --> 01:04:59.519 doctor. What did you do? Doctor? Call him? I tried to 830 01:04:59.519 --> 01:05:02.079 get in touch to them, and they never got back to me. God, 831 01:05:02.280 --> 01:05:10.199 that's the same thing. They completely ignore me. Oh man, So 832 01:05:10.639 --> 01:05:14.840 we haven't heard anything from them. I will try I've tried them a couple 833 01:05:14.880 --> 01:05:19.679 of times. I'll try them again this afternoon, Kevin. Otherwise, you 834 01:05:19.719 --> 01:05:24.840 know, maybe small claims. Quot is how damage? How much did it 835 01:05:24.920 --> 01:05:28.360 cost you fix this? Well, we haven't been able to fit it yet. 836 01:05:28.400 --> 01:05:30.000 I would have to. I would have the price the four by four 837 01:05:30.079 --> 01:05:33.159 poles? Okay? Is the gate? Is the gate one of these big 838 01:05:33.639 --> 01:05:38.480 like you know metal uh uh, it's a bit. It's one of those 839 01:05:38.519 --> 01:05:43.639 green tree furt uh pel cattle cow panels. Yeah, it's a panel with 840 01:05:43.760 --> 01:05:45.199 that. It's a panel that you put the hinge on the end of it, 841 01:05:45.280 --> 01:05:50.480 right, and and and it hangs on the hinge. Yeah, well 842 01:05:50.599 --> 01:05:55.079 on the on the post and there's yeah, there's two hinges right right, 843 01:05:55.119 --> 01:05:59.480 and then you have the chain on the other end right. Well uh yeah, 844 01:05:59.559 --> 01:06:03.119 because there's two gates that close h yeah. Yeah, and so only 845 01:06:03.159 --> 01:06:08.679 one so you have two panels and one of them was destroyed, right right? 846 01:06:10.199 --> 01:06:15.920 Okay? Meanwhile, people, where is Gilbert's tree service located somewhere on 847 01:06:15.039 --> 01:06:19.639 Payton I believe? Do you have a phone number for him? I can 848 01:06:19.679 --> 01:06:23.519 get it. I have it right here. Give me the phone number, 849 01:06:23.559 --> 01:06:28.039 doc, because I have an idea. Go ahead with seven one nine six 850 01:06:28.239 --> 01:06:32.239 eight three six' eight three three four three seven three four three seven. 851 01:06:32.320 --> 01:06:36.000 Look, we've given them time to call. Here's what I want people to 852 01:06:36.079 --> 01:06:40.159 do. You know what. And if people say to me, why do 853 01:06:40.199 --> 01:06:43.800 you do that? That's harassment, No it's not. It's no more harassing 854 01:06:44.280 --> 01:06:48.159 than a review, and in my opinion, doing a service to the company. 855 01:06:49.079 --> 01:06:53.480 So here's what I'm gonna do. I'm going to tell people to call 856 01:06:53.519 --> 01:06:57.000 Gilbert's and say I heard about you on the Tom Martino Show, and you 857 01:06:57.079 --> 01:07:00.000 need to call them about Kevin. Uh. If you're going to be in 858 01:07:00.079 --> 01:07:03.920 business, you need to be responsive for damage as you do. Their number, 859 01:07:04.000 --> 01:07:08.280 Gilbert shure another, don't be vulgar or me. Just tell him you 860 01:07:08.360 --> 01:07:11.800 heard about him and they need to call us back. Give him the three 861 01:07:11.920 --> 01:07:15.960 h three Martino number. Their number is seven one nine six eight three thirty 862 01:07:16.000 --> 01:07:24.559 four thirty seven seven to one nine six eight three thirty four thirty seven. 863 01:07:25.039 --> 01:07:29.440 I don't blame you for being upset. And let's see that's seven one nine 864 01:07:29.800 --> 01:07:34.320 six eight three thirty four thirty seven. Now, Anthony, what's going on? 865 01:07:34.360 --> 01:07:41.400 With you. Hi, Tom, what's happening? Uh? Well, 866 01:07:41.639 --> 01:07:45.679 my mother passed away. It was the other day. Uh oh, he 867 01:07:45.840 --> 01:07:51.880 left the whill. She left a will, and I'm wondering if she could 868 01:07:51.960 --> 01:07:57.239 help me with a lawyer maybe or yeah, we can help you for sure. 869 01:07:57.320 --> 01:07:59.440 Yeah, hold on, I'll help you. Hang on, Anthony, 870 01:07:59.480 --> 01:08:05.840 We'll answer all your questions. We do it all the time. Go with 871 01:08:05.920 --> 01:08:11.119 a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a 872 01:08:11.199 --> 01:08:17.399 cent until you're contenth time for an insurance check up free, no obligation. 873 01:08:17.439 --> 01:08:23.399 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 874 01:08:23.399 --> 01:08:27.119 companies find out now three all three seven seven to one help. You'll think 875 01:08:27.159 --> 01:08:30.159 you're his only customer when you choose Frank durand the real estate Man dot com 876 01:08:30.199 --> 01:08:34.880 to list your home with Remax Alliance three all three nine two zero sixteen twenty 877 01:08:34.920 --> 01:08:45.119 two. Kay hew, Hi Tom Martino, you're a troubleshooter. Three all 878 01:08:45.159 --> 01:08:48.199 three seven one three talks seven one three eight two five five Anthony, I'm 879 01:08:48.239 --> 01:08:54.560 so sorry that your mom died just the other day. So now, did 880 01:08:54.640 --> 01:09:02.680 she have a will? Are you there Anthony, huh am I doing anything 881 01:09:02.720 --> 01:09:09.159 wrong here? Bro no sarh okay, can you see if he's there? 882 01:09:09.399 --> 01:09:15.319 A guys, he had a question about a will someone died. Now you'd 883 01:09:15.319 --> 01:09:18.760 be surprised how many calls I'm getting for people where there was no will. 884 01:09:19.600 --> 01:09:26.079 Where if you do not have a will, if the deceased does not have 885 01:09:26.119 --> 01:09:31.239 a will, then the law tells who gets what. But here's what you 886 01:09:31.279 --> 01:09:39.920 can do. If you're in the line of inheritance and you're senior in the 887 01:09:39.960 --> 01:09:45.800 line of inheritance, you can change it. For example, if you're the 888 01:09:45.800 --> 01:09:49.760 first in the line of inheritance and you get it, you can decide to 889 01:09:49.800 --> 01:09:55.760 divide it up. We're not, but no one else can without a will. 890 01:09:56.439 --> 01:09:59.600 That's why wills are important, even if they are very simple documents. 891 01:10:00.079 --> 01:10:02.840 But we have more coming up on the Troubleshooter Show. Three oh three seven 892 01:10:02.880 --> 01:10:08.199 one three talk seven one three eight two five five. I'll take Anthony. 893 01:10:08.279 --> 01:10:15.560 Right after the break we re establish go with a sure thing Denvers best Roofer 894 01:10:15.680 --> 01:10:20.119 excel roofing dot com. You don't pay a cent until you're content, leave 895 01:10:21.600 --> 01:10:26.159 time for an insurance check up free, no obligation. In comparison, call 896 01:10:26.279 --> 01:10:30.840 Compass Insurance, pay too much your coverage at dozens of insurance companies. Find 897 01:10:30.840 --> 01:10:33.159 out now three oh three seven seven to one help. You'll think you're his 898 01:10:33.319 --> 01:10:38.279 only customer when you choose Frank durand the real estate Man dot com to list 899 01:10:38.319 --> 01:10:47.520 your home with Remax Alliance three oh three nine two zero sixteen twenty two d 900 01:10:49.600 --> 01:10:59.800 News deleted. You don't have come runingxious as fast as we can shoot. 901 01:11:00.000 --> 01:11:05.720 What's gonna help? Come man? This is the Troubleshooter Show. No Tom 902 01:11:05.760 --> 01:11:13.439 Martino, Hi Tom Martina, Your troubleshooter three all three seven one three talk 903 01:11:13.520 --> 01:11:15.680 three all three seven one three eight two five five. This hour brought to 904 01:11:15.720 --> 01:11:19.520 you by eight eight eight Heating dot Com. If you need a second opinion, 905 01:11:19.520 --> 01:11:23.680 if you need anything, we do with an AC. They're out in 906 01:11:23.880 --> 01:11:28.960 force helping people through this heat, honestly and accurately. That's what's important. 907 01:11:29.279 --> 01:11:34.159 Three all three seven seven zero two seven seven six eight eight eight Heating dot 908 01:11:34.159 --> 01:11:40.920 Com. All right, So we started out the show earlier today and we 909 01:11:40.920 --> 01:11:44.920 we were talking about Project twenty twenty five. We'll have some comments on that, 910 01:11:45.239 --> 01:11:46.199 so hang on, Mark, But I want to go to Anthony, 911 01:11:46.479 --> 01:11:51.520 who has an issue with a will and Anthony, he said his mom died 912 01:11:51.560 --> 01:11:56.439 recently. Sorry about that, Anthony. What are your questions? Basically? 913 01:11:56.920 --> 01:12:00.199 Uh? What did she did? She die with a will? Yes, 914 01:12:00.479 --> 01:12:03.920 she gave me a copy of the will before she died. Do you have 915 01:12:04.000 --> 01:12:10.800 an original? No? I don't. This is a copy that she gave 916 01:12:10.880 --> 01:12:15.439 me. Do you know where the original might be? I could call and 917 01:12:15.520 --> 01:12:19.520 ask my sister. Who's the power of attorney? Okay? I want to 918 01:12:19.560 --> 01:12:25.359 ask you a couple other questions. And uh, how uh? How old 919 01:12:25.479 --> 01:12:31.439 is the will? Oh boy? Oh well, I could take a look 920 01:12:31.520 --> 01:12:36.119 real quick. The date on it? Let me stay here. Yeah, 921 01:12:38.119 --> 01:12:50.880 uh should be right on the top or where she signed it. Yeah. 922 01:12:50.960 --> 01:13:01.239 How many pages is Oh boy, it's about five pages? Okay, Well 923 01:13:01.279 --> 01:13:03.800 what does it say? The date at the end where she signed it? 924 01:13:08.399 --> 01:13:12.840 Signed it in several fus. But did she put a date anywhere? Without 925 01:13:12.840 --> 01:13:18.800 a date, it's not valid? Oh boy, I don't date. Well, 926 01:13:18.880 --> 01:13:21.560 there's no date on that will. It's as good it's not good. 927 01:13:23.600 --> 01:13:30.239 Oh, it's a durable that's not a will. A durable power of attorney's 928 01:13:30.319 --> 01:13:38.800 not a will. Okay. It says gifts two family members. I give 929 01:13:39.800 --> 01:13:44.640 Anthony before you read that, let me ask a few other questions. How 930 01:13:44.720 --> 01:13:49.840 much is her estate worth? I'm not sure. Maybe a quarter of a 931 01:13:49.920 --> 01:13:55.800 million? Okay, So she did she have a home? Yes? And 932 01:13:55.960 --> 01:14:01.159 was it paid off? Yes? Okay? What's that that worth? H 933 01:14:01.760 --> 01:14:08.800 I think she paid three hundred thousand or three maybe, well that's more. 934 01:14:08.960 --> 01:14:15.039 That's more than a quarter of a million. Uh yeah. What else did 935 01:14:15.079 --> 01:14:18.479 you have? Did you have cash in the bank? I'm pretty sure she 936 01:14:18.600 --> 01:14:25.600 did. Did you have investments? No? No, I know. How 937 01:14:25.600 --> 01:14:30.720 about vehicles? She had one vehicle with your new vehicle? Okay? Now 938 01:14:30.960 --> 01:14:41.479 how many airs all together? Seven? Seven kids? Well, grandson shed 939 01:14:41.840 --> 01:14:45.319 some too, No, no, I'm talking about immediate immediate family. How 940 01:14:45.359 --> 01:14:54.039 many kids did you have on? Well? Two there's me and my sister 941 01:14:54.319 --> 01:14:58.840 and then the granddaughter. Yeah okay, I get you and your sister. 942 01:14:58.960 --> 01:15:04.840 But does the will? Does the will name individually other heirs or all that? 943 01:15:05.039 --> 01:15:10.279 You said the will name seven heirs? Is that right? Yes? 944 01:15:10.439 --> 01:15:14.840 That's correct? Okay? And what is your question? How can we help 945 01:15:14.880 --> 01:15:18.279 you? How do I collapt on you? I mean, well, who 946 01:15:18.399 --> 01:15:27.960 is the who who filed the probate? That's a good question, that's something 947 01:15:28.800 --> 01:15:31.479 who's the personal reputation. Well, Anthony, so far you haven't answered one 948 01:15:31.560 --> 01:15:35.359 question except five pages. So here's what I need to know. I need 949 01:15:35.359 --> 01:15:45.079 to know something was a probate filed, Jed, I don't know? Okay? 950 01:15:45.119 --> 01:15:47.600 Where did your mom live? Did you know that where she live? 951 01:15:49.079 --> 01:15:54.880 She lived in the Windsor Garden Den? Okay? And your sister is she 952 01:15:55.119 --> 01:16:01.279 taking control of this? She's supposed to power of attorney. That okay, 953 01:16:01.279 --> 01:16:05.399 But that doesn't mean she's the personal representative. Okay, that doesn't mean that. 954 01:16:05.600 --> 01:16:11.560 But the will names the personal representative. So when you read those five 955 01:16:11.720 --> 01:16:16.560 pages in the very beginning, it should name her personal representative. Who did 956 01:16:16.600 --> 01:16:26.119 it name? Oh? Boy, Anthony, do you do know how to 957 01:16:26.119 --> 01:16:30.680 read? Right? Yeah? Okay? So when you read it, does 958 01:16:30.720 --> 01:16:39.840 it say anything at all about a personal representative? No? Then you have 959 01:16:39.960 --> 01:16:45.359 an invalid will. That will has no date, there's no original, and 960 01:16:45.399 --> 01:16:48.880 there's no personal representative. So how do you even know it's Does it have 961 01:16:48.960 --> 01:16:56.439 a signature? Even yes, she signed it in several spots not, but 962 01:16:56.560 --> 01:17:02.159 she did not date it. Boy, there's got to be a date on 963 01:17:02.279 --> 01:17:05.159 you. Okay. What I'm going to give you some homework to do. 964 01:17:05.319 --> 01:17:09.279 Look for a date. Okay, you don't have to do it under the 965 01:17:09.279 --> 01:17:12.920 pressure of a phone call. Look for a date. Your question is how 966 01:17:12.920 --> 01:17:16.239 do you collect on it? Well, okay, do you talk to your 967 01:17:16.279 --> 01:17:24.039 sister? Yes? Did you ask her? Did you ask her if she 968 01:17:24.199 --> 01:17:29.479 opened a probate? No? I haven't. Okay, let's hear what it 969 01:17:29.520 --> 01:17:32.880 was just yesterday? Okay, I get it. I get it. So 970 01:17:32.920 --> 01:17:40.800 how long ago do your mom die? Anthony? That's two about two weeks 971 01:17:40.800 --> 01:17:43.840 ago? Maybe? Okay, I'm going to give you a list. Can 972 01:17:43.880 --> 01:17:46.920 you write a list down of what you need to do? Yes? Okay? 973 01:17:46.920 --> 01:17:56.000 Good. Number one. Number one is find out from your sister if 974 01:17:56.039 --> 01:18:02.760 she has the original will. Okay. If there is no original will, 975 01:18:03.520 --> 01:18:12.439 it's going to be very, very difficult unless all the heirs agree to abide 976 01:18:13.319 --> 01:18:18.159 by that one. But if that one does not have a date, that 977 01:18:18.239 --> 01:18:25.760 will even be difficult. Okay, So you need to first ask your sister 978 01:18:27.039 --> 01:18:33.119 do you have an original will? And also did you file probate? Once 979 01:18:33.159 --> 01:18:40.079 they file probate, here's what happens. The personal representative. A lot of 980 01:18:40.119 --> 01:18:45.079 people call them executors, but they're not really called that anymore. The personal 981 01:18:45.239 --> 01:18:53.000 representative goes through the estate and pays the bills with the funds available. With 982 01:18:53.199 --> 01:19:00.600 everything left over, they dole out the assets according to the will. Okay, 983 01:19:01.359 --> 01:19:08.199 that's it. However, the will can be challenged if there is no 984 01:19:08.319 --> 01:19:15.000 original and if there is no date. How did you happen to come across 985 01:19:15.079 --> 01:19:20.319 a copy and my mother gave it to me in the hospital? How long 986 01:19:20.359 --> 01:19:27.720 ago? Oh? About two weeks ago? Okay, okay, that's really 987 01:19:27.760 --> 01:19:35.720 good. Was there any were there any witnesses there? No? Okay. 988 01:19:36.560 --> 01:19:42.239 Do you think your sister is going to be fair and honest about this? 989 01:19:45.520 --> 01:19:50.880 That's something? Yeah? Okay, good. Yeah, So there's seven heirs, 990 01:19:53.439 --> 01:19:59.039 there's got to be a probate, So call and call us back. 991 01:19:59.479 --> 01:20:04.640 But you must at least get started. Three three seven one three talk seven 992 01:20:04.680 --> 01:20:08.760 one three eight two five five. Mark. I don't know if you have 993 01:20:08.920 --> 01:20:11.680 if you have a quick comment or not on Project twenty twenty five. But 994 01:20:11.760 --> 01:20:15.039 I started the show saying I was one of the few probably people in the 995 01:20:15.079 --> 01:20:20.359 media that actually read every single word, every single page and had opinions not 996 01:20:20.439 --> 01:20:25.039 on whether people should be four or against it, but but why people are 997 01:20:25.039 --> 01:20:27.680 saying what they're saying about it? So what do you have to say? 998 01:20:27.680 --> 01:20:30.880 About it, Mark, Well, it sounds I haven't read it. But 999 01:20:31.359 --> 01:20:35.159 with listening to your conversation and then listen to what Kate had to say, 1000 01:20:35.199 --> 01:20:42.199 I think that this is trying to address things how they're doing it now because 1001 01:20:42.199 --> 01:20:46.239 they're just checking boxes. Now, say the Press secretary, there's a black, 1002 01:20:47.359 --> 01:20:53.560 lesbian immigrant woman, so they get to check four boxes. They're not 1003 01:20:54.039 --> 01:21:00.600 hiring people for their abilities. They're hiring because who they are. Shame as 1004 01:21:00.640 --> 01:21:05.319 they did with the Supreme Court justice. They they went to hire a black 1005 01:21:05.479 --> 01:21:11.640 woman, nobody else got a chance at the job because unless they were a 1006 01:21:11.680 --> 01:21:14.760 black By the way, you know, I know what you're saying, and 1007 01:21:14.800 --> 01:21:17.039 to a certain extent, some of that might be true. Here's what I 1008 01:21:17.119 --> 01:21:21.520 have. I have. I looked up what she was talking about, and 1009 01:21:21.600 --> 01:21:26.159 I do have some observations about that. I'm going to ask you to hold 1010 01:21:26.520 --> 01:21:29.279 and I'll take you, I promise, right after the break, because what 1011 01:21:29.319 --> 01:21:39.039 you're saying has some validity. Go with a sure thing Denver's Best roofer Excel 1012 01:21:39.159 --> 01:21:45.920 roofing dot com. You don't pay a cent until you're content. Time for 1013 01:21:45.960 --> 01:21:49.720 an insurance checkup free, no obligation. In comparison, call Compass insurance paying 1014 01:21:49.760 --> 01:21:54.520 too much your coverage at dozens of insurance companies. Find out now three O 1015 01:21:54.640 --> 01:21:58.399 three seven seven to one help. You'll think you're his only customer when you 1016 01:21:58.479 --> 01:22:01.640 choose Frank durand the real estate man dot com to list your home with Remax 1017 01:22:01.680 --> 01:22:11.399 Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino, 1018 01:22:11.439 --> 01:22:15.520 you're troubleshooter three all three seven one three talk seven one three eight two five 1019 01:22:15.760 --> 01:22:20.560 five So uh, Mark, go ahead your turn. We had made some 1020 01:22:20.600 --> 01:22:27.199 comments on Project twenty twenty five Finish Upsir. I just wanted to make that 1021 01:22:27.239 --> 01:22:31.079 point that I don't think people should be put into a position because of who 1022 01:22:31.119 --> 01:22:36.239 they are, black, lesbian, YadA YadA. You go ahead and make 1023 01:22:36.319 --> 01:22:41.279 up your own, but I mean, if they're not, I want the 1024 01:22:41.279 --> 01:22:46.439 best person for the job, okay. And what this is, what this 1025 01:22:46.640 --> 01:22:51.840 is really? If I had to sum up twenty twenty five and what people 1026 01:22:51.880 --> 01:22:59.319 are talking about, really, what twenty twenty five says, what they're addressing, 1027 01:22:59.399 --> 01:23:02.840 it's weird, it's kind of weird. It's really control through no control. 1028 01:23:03.720 --> 01:23:09.439 And here's what I mean. They don't What they're saying is that our 1029 01:23:09.520 --> 01:23:16.560 government right now the positions in our government. There are mandates on how people 1030 01:23:16.760 --> 01:23:29.760 do their job, and those mandates are everything they do must include DEI diversity 1031 01:23:30.439 --> 01:23:36.039 and equity and inclusion and must be and hold on, must addressed all gender 1032 01:23:36.079 --> 01:23:45.920 identities, and must address climate change. What twenty twenty five basically says is 1033 01:23:45.000 --> 01:23:51.199 this, none of those things are your concern. You do your job. 1034 01:23:51.319 --> 01:23:58.720 So it's actually it's really the progressive and I'm saying, this is clearly a 1035 01:23:58.760 --> 01:24:03.840 conservative agenda, and there's clearly a progressive one. The progressive agenda actually came 1036 01:24:03.920 --> 01:24:11.920 in and added more control and definitions than anyone. When they talk about how 1037 01:24:11.960 --> 01:24:16.359 can the conservative agenda wants to control everything, it's kind of just the opposite. 1038 01:24:16.439 --> 01:24:24.039 They want to take out the controls and the artificial mandates that they consider 1039 01:24:24.199 --> 01:24:30.479 artificial away from what's happening now. They said that our government is littered, 1040 01:24:31.199 --> 01:24:40.079 littered with all kinds of inclusion of extra stuff that was never there. In 1041 01:24:40.119 --> 01:24:44.680 other words, when you talk about the rights of everyone and the constitution, 1042 01:24:44.960 --> 01:24:51.279 it covers everyone. You don't have to make extra extra things in the government 1043 01:24:51.399 --> 01:24:57.279 administration to address all these things. When you're reading with saying, okay, 1044 01:24:57.319 --> 01:25:00.840 well that's what I'm reading from twenty twenty five. So it really isn't the 1045 01:25:00.880 --> 01:25:05.880 inclusion of a lot of requirements. What it really is is getting rid of 1046 01:25:06.399 --> 01:25:12.600 all of the crap that has infiltrated. Do you know that we went through 1047 01:25:13.079 --> 01:25:17.279 that that we as a country went through everything, the entire military, the 1048 01:25:17.479 --> 01:25:24.600 entire budgets, the entire laws, and they take out references to genders, 1049 01:25:24.640 --> 01:25:30.079 and they they have made everything politically correct cohesive in their mind, and they 1050 01:25:30.119 --> 01:25:39.479 have included climate change. In areas about education, they've included they have included 1051 01:25:40.199 --> 01:25:46.039 the issues of gender everywhere where it was just noted as as equality of the 1052 01:25:46.119 --> 01:25:54.479 sexes, now now they include dozens of definitions of different genders. So what 1053 01:25:54.600 --> 01:25:58.439 this twenty twenty five is saying, when I should have said this to the 1054 01:25:58.479 --> 01:26:00.199 other woman who called, who said, well, they're putting in all kinds 1055 01:26:00.199 --> 01:26:06.079 of controls. What they're actually doing is saying that we've had too many controls 1056 01:26:06.479 --> 01:26:13.960 and they're controlling our administrators and regulators now to a point where the woke agenda 1057 01:26:14.119 --> 01:26:16.760 is trying to tell people how to think. I swear to God that's what 1058 01:26:16.800 --> 01:26:23.199 they're doing. They're trying and so what twenty twenty five is saying is don't 1059 01:26:23.840 --> 01:26:29.159 tell people how to think, just give them our goals, and our goal 1060 01:26:29.279 --> 01:26:34.119 should be the protection of the country and of all Americans. And they're saying, 1061 01:26:34.359 --> 01:26:40.439 you don't need to make divisions among us. So, if I had 1062 01:26:40.439 --> 01:26:44.119 to sum it up, that's what it is. And I would just like 1063 01:26:44.199 --> 01:26:49.239 to say what worries me the most about it is so many people just accept 1064 01:26:49.279 --> 01:26:56.680 it as being you know, right, or you know, well, what 1065 01:26:56.840 --> 01:27:00.840 you're saying about it being crazy. They're vilifying iting it for exactly what Tom 1066 01:27:01.279 --> 01:27:05.239 said. I mean, basically, they want to take away the controls and 1067 01:27:05.399 --> 01:27:11.560 they wanted something wrong with all of those special definitions, all of those special 1068 01:27:11.680 --> 01:27:16.199 definitions, all of those special requirements, and all of the wokeism that has 1069 01:27:16.239 --> 01:27:18.920 been built in. They want to take back out again and make it the 1070 01:27:18.920 --> 01:27:23.880 way it was. They believe addressing men and women, male and female, 1071 01:27:24.079 --> 01:27:29.359 they believe addressing all Americans and security. My point is that's why the left 1072 01:27:29.439 --> 01:27:32.680 is vilifying Project twenty twenty five, because that's the last thing they want to 1073 01:27:32.680 --> 01:27:38.479 see. They thought they were changing us into a global society of some sort, 1074 01:27:38.600 --> 01:27:42.560 and they're not. By the way, By the way, our budget 1075 01:27:42.600 --> 01:27:46.079 items were thank you like, thank you for calling. And again, I'm 1076 01:27:46.119 --> 01:27:50.800 not sticking up for this over anything else because I read it and I just 1077 01:27:50.840 --> 01:27:55.399 wanted to know what it's saying. And it really is saying, get rid 1078 01:27:55.479 --> 01:27:59.079 of all this crap and just get back. And why won't you say you 1079 01:27:59.239 --> 01:28:02.880 endorse it Because it's not because nobody gives a damn. Because I don't think 1080 01:28:02.880 --> 01:28:06.760 that much of myself. That's why, Mark, Because I discuss ideas, 1081 01:28:08.880 --> 01:28:14.880 because because it doesn't really matter. Everything you read is so in alignment with 1082 01:28:15.039 --> 01:28:17.399 everything you generally say. Is my point. If you're asking me, do 1083 01:28:17.479 --> 01:28:23.479 I like a lot of what I read? There are some things I believe 1084 01:28:23.920 --> 01:28:27.479 that will cause severe division. Let me give you an example. It doesn't 1085 01:28:27.479 --> 01:28:30.399 mean I don't like it. I'm telling you it will cause division. When 1086 01:28:30.399 --> 01:28:35.960 they talk about protecting the rights of all Americans. That's all they have though 1087 01:28:36.079 --> 01:28:40.079 time on the left side right now, the Democrats side, all they have 1088 01:28:40.239 --> 01:28:43.039 is division. They have nothing to run on, but they got a guy 1089 01:28:43.079 --> 01:28:46.600 in office. You can't even look straight Mark. Where the Project twenty twenty 1090 01:28:46.600 --> 01:28:54.359 five talks about protection of all Americans. They believe in the unborn are full 1091 01:28:54.399 --> 01:28:59.680 fledged Americans that should be protected. Now, many believe that, but that 1092 01:28:59.760 --> 01:29:05.000 you must admit will cause severe division among an aggressive stance in my opinion ed 1093 01:29:05.760 --> 01:29:09.560 Yes, Okay. All I'm saying is so when you asked, do I 1094 01:29:09.680 --> 01:29:14.760 like I I what people? I don't think, Honest to God, I 1095 01:29:14.760 --> 01:29:18.239 don't think people listen to this show to for political advice for me or what 1096 01:29:18.359 --> 01:29:23.399 I think should happen. What they listen for is how to protect themselves and 1097 01:29:23.439 --> 01:29:26.439 not get ripped off and all that. But the reason I took on this 1098 01:29:26.520 --> 01:29:30.920 twenty twenty five is I was so damn curious. Just like when people used 1099 01:29:30.920 --> 01:29:35.560 to quote from all kinds of holy books, I decided, I'm going to 1100 01:29:35.600 --> 01:29:40.079 read the Korra. I'm not gonna I'm not going to uh, I'm not 1101 01:29:40.079 --> 01:29:43.720 going to let people tell me what it says. I'm going to read from 1102 01:29:44.000 --> 01:29:47.960 every holy book I can find the Kuran, and I wanted to know what 1103 01:29:48.079 --> 01:29:51.720 it said, okay, and and I just didn't want to hear it. 1104 01:29:53.039 --> 01:29:57.079 And what's amazing to me is why more people in the media don't do that. 1105 01:29:57.600 --> 01:30:00.680 It's there for you. It's eight hundred and eighty eight pay but many 1106 01:30:00.680 --> 01:30:04.199 of the pages are title pages or glossary and things. But if you get 1107 01:30:04.279 --> 01:30:08.359 right down to it, there might be a real substance if you can doense 1108 01:30:08.399 --> 01:30:13.439 it all maybe six hundred pages in this mandate for leadership, the Conservative Promise 1109 01:30:13.720 --> 01:30:17.279 Project twenty twenty five. And I urge people to download it, and I 1110 01:30:17.319 --> 01:30:21.119 think they would have a good thing. Oh, by the way, a 1111 01:30:21.159 --> 01:30:25.119 Belle, you got a question on wills, a general question. What is 1112 01:30:25.159 --> 01:30:28.840 it? Bill? Well, I'm just wondering if I even need a will. 1113 01:30:29.479 --> 01:30:32.960 My wife's on the titles for the house, and my wife is the 1114 01:30:33.039 --> 01:30:42.239 beneficiary of my IRA account. If listen, if you have everything payable on 1115 01:30:42.399 --> 01:30:45.119 death, whether it be a will, a deed, excuse me, whether 1116 01:30:45.159 --> 01:30:49.159 it be a bank account, a deed, artwork or whatever. If that's 1117 01:30:49.199 --> 01:30:53.760 all transferable on death, you don't need a will. However, it's not 1118 01:30:53.960 --> 01:30:58.119 bad to have a will to dispel anyone who might and in your case it 1119 01:30:58.159 --> 01:31:00.800 may not happen. It may not be a bad idea to have a will 1120 01:31:00.840 --> 01:31:08.039 that says everything has been accounted for and anything that's not goes to my wife, 1121 01:31:08.920 --> 01:31:11.600 right and then my kids. That's well, yeah, well, okay, 1122 01:31:11.600 --> 01:31:14.680 then you need a will because with that payable on desk stuff, it 1123 01:31:14.720 --> 01:31:17.439 doesn't address how your kids get it, well, not only if she dies, 1124 01:31:17.840 --> 01:31:20.119 but but what if you both die at the same time, or what 1125 01:31:20.199 --> 01:31:24.640 if she dies first? Well, then the kids get it, right? 1126 01:31:24.880 --> 01:31:29.239 Well no, not well okay, See Bill, that's the wrong way. 1127 01:31:29.640 --> 01:31:32.399 The wrong way is to allow the state to dictate, because when you say 1128 01:31:32.439 --> 01:31:39.600 the kids get it, okay, what percentage do the kids get? Well, 1129 01:31:39.600 --> 01:31:43.359 okay, are they happy with that? Well, they never talked about 1130 01:31:43.359 --> 01:31:46.479 it. Well, that's what I'm saying. A will dispels every single question. 1131 01:31:46.800 --> 01:31:49.520 And it's not going to cost that much to put it together, not 1132 01:31:49.680 --> 01:31:55.000 at all, not for a small estate like yours. Right, Okay, 1133 01:31:55.039 --> 01:31:59.399 I'm just wondering. Yeah, I think everyone the question. Everyone needs a 1134 01:31:59.439 --> 01:32:04.560 will. Everyone everyone needs a will, even a simple will. Miles, 1135 01:32:04.640 --> 01:32:10.279 what is your question about Miles? Well he actually it's more of a comment, 1136 01:32:10.479 --> 01:32:14.399 yes, sir, since they're talking about gender identity and ye kind of 1137 01:32:14.399 --> 01:32:18.079 thing. A friend of mine orders some shoes online and he wears a man's 1138 01:32:18.159 --> 01:32:24.039 size tent okay, and they shipped into him and they were way too small. 1139 01:32:24.439 --> 01:32:27.720 So he called them up and he goes, why are these too small? 1140 01:32:28.199 --> 01:32:32.560 And they said, oh, we have gender or gender neutral sizing. 1141 01:32:32.680 --> 01:32:38.720 Now, So if you want to size men ted he had to order a 1142 01:32:38.840 --> 01:32:42.560 size Twell, are you kidding? Come on, I've never heard of that. 1143 01:32:42.920 --> 01:32:45.039 I'm not, I am not, I'm not kidding. I'm just saying 1144 01:32:45.079 --> 01:32:49.680 it's getting way out of control. I don't care about anybody's gender or what 1145 01:32:49.720 --> 01:32:55.079 they identify as. But come on, well, you know, look, 1146 01:32:55.119 --> 01:33:00.520 look as far as as as Project twenty twenty five and other poly season all 1147 01:33:00.560 --> 01:33:03.439 of this, I don't think we need to be spending billions and billions of 1148 01:33:03.479 --> 01:33:10.920 dollars. And we are on gender inclusion and gender education around the world, 1149 01:33:11.000 --> 01:33:14.920 and that's what we're doing and in our country. However, however, I 1150 01:33:15.039 --> 01:33:18.800 do believe that people have a right. No, I am not against. 1151 01:33:19.199 --> 01:33:25.560 If people want to want to change their sex, let them do it. 1152 01:33:25.840 --> 01:33:30.840 I don't think we should prevent them. And if insurance wants to pay for 1153 01:33:30.880 --> 01:33:33.720 it, and people are paying for insurance, let it happen. The question 1154 01:33:33.920 --> 01:33:39.359 is should government pay for that in the military, should government pay for that? 1155 01:33:39.680 --> 01:33:44.000 Or should we educate children at an early age? Oh by the way, 1156 01:33:44.119 --> 01:33:45.880 kids, if you want, you can switch what you are. I 1157 01:33:45.920 --> 01:33:49.479 mean, all I'm saying is I'm not so sure that's the greatest thing in 1158 01:33:49.520 --> 01:33:54.880 the world. But I do believe everyone has the right freedom and should be 1159 01:33:54.960 --> 01:33:58.640 happy with whatever they want to be. I don't care if someone wants to 1160 01:33:58.680 --> 01:34:02.600 be a hamster. If they're not hurting people, let them be hamsters. 1161 01:34:02.920 --> 01:34:06.720 I don't care about furries, Honest to God, I don't. I don't 1162 01:34:06.720 --> 01:34:11.920 really care about it. And I don't avoid those people. I don't avoid 1163 01:34:12.000 --> 01:34:16.239 anyone. I think everyone has a right to be happy and secure and live 1164 01:34:16.319 --> 01:34:19.399 the life they want. I don't want to control them, but I don't 1165 01:34:19.399 --> 01:34:25.039 want them controlling me either. But Tom, that's where it lies the people. 1166 01:34:25.399 --> 01:34:29.319 I agree with you. But when it comes to infringing on others' rights, 1167 01:34:29.600 --> 01:34:33.079 and they talk about like girls' locker rooms, girls' restrooms, then that's 1168 01:34:33.079 --> 01:34:36.800 where we have the problem. And I also have a problem when it comes 1169 01:34:36.840 --> 01:34:43.199 to bottom line sports. Okay, you have girls who are always going to 1170 01:34:43.239 --> 01:34:49.279 be weaker than transgender girls men who became here. They're always going to be 1171 01:34:49.279 --> 01:34:54.960 weaker. It's just not fair. It's not because I hate them. I 1172 01:34:55.039 --> 01:34:59.119 don't hate them at all. I just don't think. Maybe we should take 1173 01:34:59.319 --> 01:35:01.840 all sex away from all of them, and then people will get what they 1174 01:35:01.880 --> 01:35:05.800 want. Take everything away. Everyone can peace on an open field, and 1175 01:35:05.840 --> 01:35:10.439 you know what, then what would happen? Reality would set in and they 1176 01:35:10.520 --> 01:35:14.479 start saying, wait a minute, that's not fair. Girls will never win 1177 01:35:14.600 --> 01:35:19.840 anything. We'll get the point. And how dare a judge asks someone before 1178 01:35:19.880 --> 01:35:24.399 sensing them? Where do you want to go? This guy has been sporting 1179 01:35:24.399 --> 01:35:28.359 a penis his whole life and then decides he wants to go to a woman's 1180 01:35:28.399 --> 01:35:31.479 prison and rape women. And all he has to say he has to show, 1181 01:35:31.680 --> 01:35:36.119 no medical nothing. All he has to say is I am a woman 1182 01:35:36.560 --> 01:35:45.680 and he goes to a woman's prison. That's freaking stupid. Go with a 1183 01:35:45.720 --> 01:35:50.079 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1184 01:35:50.279 --> 01:35:58.079 until you're content. Time for an insurance check up free, no obligation. 1185 01:35:58.119 --> 01:36:02.039 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 1186 01:36:02.079 --> 01:36:05.800 companies find out now three all three seven seven to one help. You'll think 1187 01:36:05.840 --> 01:36:10.840 you're his only customer when you choose Frank durand the Real estate Man dot com 1188 01:36:10.880 --> 01:36:15.560 to list your home with Remax Alliance three all three nine two zero sixteen twenty 1189 01:36:15.560 --> 01:36:26.840 two. Hi Tom Martinez, your troubleshooter. I ran across a survey done 1190 01:36:26.920 --> 01:36:30.720 by it's called Life Rankings, And you know, you can get into the 1191 01:36:30.760 --> 01:36:33.600 methodology if you want. I've always found some of these survey companies to be 1192 01:36:33.680 --> 01:36:40.760 very accurate in that they take matrixes that they survey and don't really put opinion 1193 01:36:40.840 --> 01:36:44.640 in there. Let me give you an example. Let me give you an 1194 01:36:44.680 --> 01:36:49.840 example. This one list of surveys it's called City Rankings. And what they 1195 01:36:49.880 --> 01:36:54.800 do is they have a category that you can rank a city by any category 1196 01:36:54.840 --> 01:36:59.319 you want of their matrixes. Uh, and what do they have, Well, 1197 01:36:59.359 --> 01:37:03.279 they have for of all the overall rank then they have they have the 1198 01:37:03.439 --> 01:37:10.960 environmental rank aaron, water quality, housing, healthcare of physical health of people, 1199 01:37:11.119 --> 01:37:17.600 mental health of people, economic stability, employment, housing affordability, safety, 1200 01:37:18.239 --> 01:37:25.199 education, leisure time, recreational facilities, and on and on and on. 1201 01:37:25.560 --> 01:37:29.479 So you can actually range cities by individual items that are important to you. 1202 01:37:29.800 --> 01:37:33.039 Is song, Yes, now here's what I like. So then they 1203 01:37:33.079 --> 01:37:40.079 do an overall ranking of the best quality of life. Now this is kind 1204 01:37:40.079 --> 01:37:44.760 of strange. So then they get so they take all those matrixes I told 1205 01:37:44.840 --> 01:37:49.920 you about, like twenty four different categories and they take all those categories and 1206 01:37:50.039 --> 01:37:55.680 then and then give an overall rank. And they say that I had never 1207 01:37:55.680 --> 01:37:58.840 heard the city, But Mark, you're not far from it, Redmond, 1208 01:37:59.000 --> 01:38:03.000 Washington. Were you anywhere near Redmond, Washington. You went up to the 1209 01:38:03.039 --> 01:38:10.359 northwest anyway near Oregon. So Redmond, Washington has the number one quality of 1210 01:38:10.399 --> 01:38:15.840 life according to all these matrixes. New were Microsoft's out of Oh really, 1211 01:38:15.920 --> 01:38:21.920 okay, Newton, Massachusetts is number two. Now Newton is a small town 1212 01:38:23.399 --> 01:38:27.479 up in near Boston, outlire in Boston. It's right, it's I believe 1213 01:38:27.479 --> 01:38:32.560 it's where Boston College is out there. So Newton number two in the entire 1214 01:38:32.720 --> 01:38:39.840 country Woodbury, Minnesota. And then another one is Bellevue, Washington. Again, 1215 01:38:39.880 --> 01:38:42.760 I'm not going to go through each and everyone, but where is any 1216 01:38:42.800 --> 01:38:46.479 city in Colorado? Number ten? It was the first time Colorado showed up, 1217 01:38:46.600 --> 01:38:50.439 by the way, just you know, in the top in the top 1218 01:38:50.520 --> 01:38:58.000 ten, there were two from Washington state, two from Minnesota, and three 1219 01:38:58.039 --> 01:39:02.520 from California. And then you had two with only one in there. You 1220 01:39:02.520 --> 01:39:10.760 had Indiana has Carmel, and then Colorado the number one city in Colorado according 1221 01:39:10.800 --> 01:39:13.960 to this, And then the top ten in the country is castle Rock. 1222 01:39:15.279 --> 01:39:18.920 Huh, castle Rock. That's odd. So then a number of other California 1223 01:39:18.960 --> 01:39:24.159 cities again, you know, you might, I can't believe with the economic 1224 01:39:24.199 --> 01:39:29.119 stability, but maybe because the income is so high they don't care about that, 1225 01:39:29.159 --> 01:39:31.800 the tax burden and all that. Again, I'm trying to find another 1226 01:39:31.880 --> 01:39:35.199 Colorado city down here, and I'm looking at the top. I mean it 1227 01:39:35.239 --> 01:39:41.960 goes down to okay, Broomfield. Excuse me, Centennial Colorado shows up at 1228 01:39:42.000 --> 01:39:45.000 number forty. So you had castle Rock at number ten, and then you 1229 01:39:45.039 --> 01:39:49.680 don't get another ranking until forty, which is Centennial, and then it goes 1230 01:39:49.760 --> 01:39:56.840 back down to Broomfield. Colorado is forty four. Believe it or not. 1231 01:39:57.000 --> 01:40:00.640 Boulder is down at forty eight. You would think Boulder would have been maybe 1232 01:40:00.640 --> 01:40:03.199 a little highly impressed by castle Rock coming in at ten. Man, I 1233 01:40:03.439 --> 01:40:06.239 cool, no, I know it now Again, for a year, I 1234 01:40:06.439 --> 01:40:14.720 did not examine the total methodology. It looks like surveys and actual data as 1235 01:40:14.760 --> 01:40:18.560 far as healthcare and all that hospitalization's death rates, all of that. Again, 1236 01:40:18.720 --> 01:40:24.439 Colorado doesn't show up again. Oh wait, Denver is one hundred, 1237 01:40:25.119 --> 01:40:29.000 one hundred, which is you know, not terrible because they they rank all 1238 01:40:29.039 --> 01:40:32.159 the way down to Oh my god, I think five hundred. So it's 1239 01:40:32.239 --> 01:40:39.319 really a very interesting matrix here. By the way, Dragon is foolish to 1240 01:40:39.359 --> 01:40:42.239 me to think I'm caught up on breaks, isn't it? Is it foolish? 1241 01:40:42.399 --> 01:40:46.479 Or am I I need to write then? Okay, because I want 1242 01:40:46.479 --> 01:40:50.399 to tell you about some of the sub categories here and how we rank. 1243 01:40:50.479 --> 01:40:54.079 But in any case, get your calls in. We have another hour to 1244 01:40:54.079 --> 01:40:57.000 go after this one, of course. Three O three seven to one three 1245 01:40:57.039 --> 01:41:05.760 talks seven one three eight two five five Go with a sure thing Denver's best 1246 01:41:05.840 --> 01:41:14.479 roofer Excel Roofing dot com. You don't pay a cent until you're contenth time 1247 01:41:14.520 --> 01:41:18.800 for an insurance check up free no obligation comparison call Compass Insurance paying too much 1248 01:41:18.920 --> 01:41:24.199 your coverage at dozens of insurance companies find out now three oh three seven seven 1249 01:41:24.199 --> 01:41:28.000 to one help. You'll think you're his only customer when you choose Frank durand 1250 01:41:28.000 --> 01:41:31.439 the real estate Man dot com to list your home with Remax Alliance three oh 1251 01:41:31.439 --> 01:41:46.840 three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three 1252 01:41:46.880 --> 01:41:51.239 O three seven to one three talk three O three seven one three, eight, 1253 01:41:51.279 --> 01:41:56.680 two, five five if you want to call, we got only a 1254 01:41:56.680 --> 01:41:59.800 few minutes this hour, but we have another hour to go. And some 1255 01:41:59.840 --> 01:42:01.640 of the notable call say it's a let me let me go to some texts 1256 01:42:01.640 --> 01:42:10.520 here. Anyway, someone says that it's wrong to talk about Project twenty twenty 1257 01:42:10.560 --> 01:42:17.119 five because it it. I don't know what they mean by this, because 1258 01:42:17.159 --> 01:42:21.039 it's an election year with Trump, and they said, like r of K 1259 01:42:23.359 --> 01:42:28.800 has a long established history of being a proponent of the environment, so it 1260 01:42:28.800 --> 01:42:34.640 would be like discussing RFK Junior while reading the Unibomber's manifesto. See, I 1261 01:42:34.640 --> 01:42:41.359 don't get that what he's talking about. Are you saying by reading from Project 1262 01:42:41.359 --> 01:42:45.920 twenty twenty five, I'm somehow inferring that Trump is part of it? I'm 1263 01:42:45.960 --> 01:42:51.760 not. He said some promotents of the environment. Wait, yeah, he's 1264 01:42:51.840 --> 01:42:57.840 making no sense to me. So and anyway, Hey, Susanna and I 1265 01:42:58.000 --> 01:43:00.680 just a side note. You said, unibomber, we were in Lincoln, 1266 01:43:01.439 --> 01:43:05.840 and uh, that's where he was from, man Ted Kazinski's little house. 1267 01:43:05.880 --> 01:43:10.359 That whole thing was right in that town. What did they memorialize it somehow? 1268 01:43:10.479 --> 01:43:14.079 Is it like a landmark of some kind? No, seriously, we 1269 01:43:14.760 --> 01:43:17.640 seriously, we didn't even know it was till we got to our next destination, 1270 01:43:17.880 --> 01:43:23.199 Polsom Lake, and a listener took us out on his pontoon boat and 1271 01:43:23.359 --> 01:43:27.760 asked us the last place we went to, and we said it was Lincoln 1272 01:43:28.239 --> 01:43:30.479 and he goes, oh, that's where the unibomber's from, is shack and 1273 01:43:30.520 --> 01:43:35.079 everything. So did you actually see a shack? No, when we were 1274 01:43:35.079 --> 01:43:38.640 there, we didn't know, nor would I go out of my way to 1275 01:43:38.680 --> 01:43:43.520 see Ted Kazinski's shack. All right, Well, anyway, we got more 1276 01:43:43.560 --> 01:43:46.479 coming up on the Troubleshooter Show. Three O three seven one three eight two 1277 01:43:46.520 --> 01:43:49.119 five five Get your calls in, or of course you can call three ZHO 1278 01:43:49.199 --> 01:43:59.159 three Martino. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1279 01:43:59.199 --> 01:44:04.520 You don't pay us secon until you're content. Leave time for an insurance 1280 01:44:04.600 --> 01:44:09.840 check up free, no obligation. In comparison, call Compass Insurance paying too 1281 01:44:09.920 --> 01:44:14.199 much your coverage at dozens of insurance companies find out now three oh three seven 1282 01:44:14.319 --> 01:44:16.960 seven to one help. You'll think you're his only customer when you choose Frank 1283 01:44:17.039 --> 01:44:21.640 durand the real estate man dot com to list your home with Remax Alliance three 1284 01:44:21.640 --> 01:44:33.960 oh three nine two zero sixteen twenty two. Ripped up News need advice so 1285 01:44:34.159 --> 01:44:45.039 you don't have come runs as the can Shooter's gonna help come Dix is the 1286 01:44:45.239 --> 01:44:53.319 Troubleshooter Show. No Tom Martino, Hi Tom Martino here three all three seven 1287 01:44:53.880 --> 01:44:57.760 one three talk is our number seven one three eight two five five. This 1288 01:44:57.880 --> 01:45:01.920 hour brought to you by renew home Innovations dot com. For beautiful, beautiful 1289 01:45:01.920 --> 01:45:06.199 showers. They take out that old, ugly rectangle shove I call it the 1290 01:45:06.279 --> 01:45:12.760 tower the shower tubcombo, and they put in a beautiful custom shower. That's 1291 01:45:12.840 --> 01:45:16.399 the trend nowadays. They can make them with stone walls with resin, no 1292 01:45:18.119 --> 01:45:25.680 maintenances, the thick glass panels in the front, no doors needed, and 1293 01:45:25.720 --> 01:45:30.840 then no thresholds, just stumble over. They're wonderful renew home Innovations dot com. 1294 01:45:30.880 --> 01:45:32.439 They do it in two or three days with seventy two months to pay 1295 01:45:32.479 --> 01:45:41.600 no interest three three nine zero four two thousand. So. One of the 1296 01:45:41.640 --> 01:45:49.920 things that I find really strange is during during COVID, you couldn't buy certain 1297 01:45:49.920 --> 01:45:55.520 things and you couldn't read about certain things because it was going against the narrative 1298 01:45:55.560 --> 01:45:59.640 of and by the way they thought they were doing good. Possibly it went 1299 01:45:59.680 --> 01:46:05.760 again the narrative of the vaccine, especially so if the vaccine was attacked in 1300 01:46:05.800 --> 01:46:09.479 any way, shape or form, it was taken off of social media, 1301 01:46:10.199 --> 01:46:14.279 and then also anything that was considered dangerous and they would say it was due 1302 01:46:14.279 --> 01:46:23.600 to danger consumer safety. Yet there is a trend now people are buying on 1303 01:46:23.880 --> 01:46:30.399 Amazon all day long something called sodium nitrate, which is what what basically is 1304 01:46:30.439 --> 01:46:35.920 that sodium nitrate? Is it powder? Well? Guess what it's. Sodium 1305 01:46:36.000 --> 01:46:44.119 nitrate is a compound I'm reading here that is used in food preservation, automotive 1306 01:46:44.199 --> 01:46:51.079 maintenance, whatever the hell, and animal control now potentially fatal when digested because 1307 01:46:51.119 --> 01:46:59.079 it interferes with the red blood cells to transport oxygen. Basically, if you 1308 01:46:59.159 --> 01:47:05.399 have too much of it, you don't get enough oxygen and you fall asleep. 1309 01:47:06.319 --> 01:47:11.039 I guess when you're deprived of oxygen, you don't always choke and gasp, 1310 01:47:11.119 --> 01:47:15.880 do you, Okay, So they're using it for guess what. Teens 1311 01:47:15.720 --> 01:47:25.880 in record numbers are ordering it for suicide. Really, there have been several 1312 01:47:25.920 --> 01:47:33.239 cases of suicide where the sodium nitrates have been traced to a purchase on Amazon. 1313 01:47:35.239 --> 01:47:42.079 Now, some people have tried sewing Amazon because of this, and they'd 1314 01:47:42.079 --> 01:47:45.680 not be helped, They've not been held in. That's absurd. It's absolutely 1315 01:47:45.680 --> 01:47:48.920 absurd that they would go after Amazon. Yeah, well, and so nitrate 1316 01:47:49.039 --> 01:47:51.920 is a chemical you might as well know. I know, I get it, 1317 01:47:53.000 --> 01:47:55.439 I get it. You're right. No, I don't think Amazon. 1318 01:47:55.600 --> 01:48:00.560 But it's amazing to me though, that you couldn't buy what was it there? 1319 01:48:00.640 --> 01:48:03.199 There were certain things you couldn't buy during COVID because they were afraid people 1320 01:48:03.239 --> 01:48:10.479 were over using it. But you could you can buy Oh, it was 1321 01:48:10.520 --> 01:48:15.920 some horse stuff, but it was for the horse, so it didn't need 1322 01:48:15.960 --> 01:48:20.199 a prescription. And anyway, they weren't selling They wouldn't they wouldn't be allowed 1323 01:48:20.199 --> 01:48:25.920 to sell it. But they will allow you to kill yourself with sodium nitrates. 1324 01:48:26.239 --> 01:48:30.640 But this thing is a big deal right now. Also, new trends 1325 01:48:30.680 --> 01:48:35.319 in construction. There are stats showing that new homes. You remember now, 1326 01:48:35.479 --> 01:48:39.239 you remember it was if you had a big, giant home, it was 1327 01:48:39.279 --> 01:48:44.960 a symbol of being rich, being symbol of being success. Yeah, and 1328 01:48:45.000 --> 01:48:46.159 there were a lot of them. There are a lot of them. Look 1329 01:48:46.199 --> 01:48:49.159 all over Greenwood Village, Cherry Hills. Look at all over the big what 1330 01:48:49.239 --> 01:48:55.680 I call the big house subdivisions, and then you have the smaller, more 1331 01:48:55.800 --> 01:48:59.760 luxurious homes when you get closer to Denver in tight neighborhoods where they were small 1332 01:48:59.800 --> 01:49:02.680 and they redo them. And then some of them do infill projects where they 1333 01:49:02.680 --> 01:49:08.119 tear down a house and put up a new mansion. But that was big 1334 01:49:08.159 --> 01:49:12.520 in Hilltop tearing down Hilltop and building a new home. Oh yeah, but 1335 01:49:12.720 --> 01:49:16.319 right now, and that is in Hilltop what they call pill Hill. I 1336 01:49:16.359 --> 01:49:19.319 don't know, you know what that meant? Right? All the doctors lived 1337 01:49:19.399 --> 01:49:25.640 up there anyway, I know a lot of them that do. Construction spending 1338 01:49:26.520 --> 01:49:31.319 is starting to increase. I don't know why with the interest rates, but 1339 01:49:31.439 --> 01:49:39.359 right now the building permits are not lagging that much, but the houses being 1340 01:49:39.399 --> 01:49:47.000 built are smaller in general, and people buying homes. According to the US 1341 01:49:47.000 --> 01:49:55.000 Census Bureau, people are seeking lower square footage now rather than higher square footage 1342 01:49:55.560 --> 01:50:00.600 now. There are many reasons given for it. One is cost of maintenance, 1343 01:50:00.640 --> 01:50:04.479 of heating, of air of all of that. That's the number one. 1344 01:50:04.960 --> 01:50:10.079 Well, when I say maintenance, it's not not just maintenance to repair 1345 01:50:10.119 --> 01:50:14.760 it, but also just to maintain the lifestyle in a large home. So 1346 01:50:15.000 --> 01:50:18.840 large homes are become, are trending out. It's got to be also. 1347 01:50:18.880 --> 01:50:24.279 The interest rate has to have something to do with it. Tom, I 1348 01:50:24.279 --> 01:50:26.880 don't know if it does, but it might, but it's been happening. 1349 01:50:27.960 --> 01:50:31.479 It's been happening gradually. I think utilities are in my opinion, I think 1350 01:50:31.560 --> 01:50:35.560 interest rate. It's of course the cost. But you see they're not necessarily 1351 01:50:36.039 --> 01:50:42.640 cutting back in cost, they're cutting back in size. Now, obviously cost 1352 01:50:42.680 --> 01:50:45.479 has something to what I mean by that, Doc, let me clarify that 1353 01:50:45.720 --> 01:50:48.399 per square foot it is a cheaper home obviously when it's smaller, but the 1354 01:50:48.600 --> 01:50:54.600 quality. They still seem to be going for the quality, but not necessarily 1355 01:50:54.920 --> 01:50:59.439 the size. And I think I think they don't cite why, but they 1356 01:50:59.439 --> 01:51:02.520 say there's an number of factors. I think one of the big reasons would 1357 01:51:02.600 --> 01:51:09.359 be the cost of heating and air, I mean utilities, electricity itself, 1358 01:51:09.439 --> 01:51:15.479 right, and obviously they say a more attainable price point. But another thing, 1359 01:51:16.039 --> 01:51:24.720 people want to be environmentally conscious conscious and they are looking to lessen their 1360 01:51:24.760 --> 01:51:30.600 carbon footprint. Now, honest to god, I don't know about carbon footprint. 1361 01:51:30.640 --> 01:51:33.199 I really don't. I don't know what my carbon footprint is. I 1362 01:51:33.239 --> 01:51:39.560 don't know what yours is. Do people actually keep track of their carbon footprint? 1363 01:51:40.239 --> 01:51:43.359 I mean I don't. I truly don't know how to calculate it. 1364 01:51:43.680 --> 01:51:46.720 Nobody I know does, Tom, But I mean I imagine there are people 1365 01:51:46.760 --> 01:51:49.960 who care, so I would like to know. I'm going to ask. 1366 01:51:50.760 --> 01:51:57.560 I'm going to ask artificial intelligence here, how do I calculate my carbon footprint? 1367 01:51:57.720 --> 01:52:00.439 Have you ever calculated yours mark in that big motor home that eats up 1368 01:52:00.680 --> 01:52:04.880 diesel fuel all over the country? How do I calculate only when I'm pouring 1369 01:52:04.960 --> 01:52:12.520 oil directly outside and running over trees? How do I calculate my Okay, 1370 01:52:12.520 --> 01:52:15.279 I'm asking this now. I'm asking how do I how do I calculate my 1371 01:52:15.399 --> 01:52:20.199 carbon footprint? And I'm going to find out. Okay, there is there 1372 01:52:20.319 --> 01:52:29.199 is a footprint calculator, There's a carbon footprint calculator, and I'm going to 1373 01:52:29.239 --> 01:52:36.479 look it up. There's also my climate footprint calculator and carbonfootprint dot Com, 1374 01:52:38.039 --> 01:52:42.279 all places you can get an idea. Deputy Chopper, what's going on with 1375 01:52:42.399 --> 01:52:46.039 you? Sir? Well? Tom, this is a personal problem. So 1376 01:52:46.479 --> 01:52:50.319 yeah, Well you can call just like anyone, and you you actually earned 1377 01:52:50.319 --> 01:52:55.960 the right to do that. What's going on? Well, over the last 1378 01:52:56.199 --> 01:53:00.359 three four years, we have been hit really hard with hail and we've made 1379 01:53:00.399 --> 01:53:06.439 two claims the safe coal. Well, yesterday I got the infamous letter we're 1380 01:53:06.680 --> 01:53:12.119 dropping you. Oh wait, you're from your homeowners? Yes, from my 1381 01:53:12.199 --> 01:53:15.600 home owned. What were the two claims? Yes, two claims. What 1382 01:53:15.680 --> 01:53:21.640 were they? Uh? It was roofs, siding, everything, paint. 1383 01:53:23.079 --> 01:53:26.119 Yetesis took care of us. That was for Hal. What was the other 1384 01:53:26.199 --> 01:53:30.720 claim it with Hal? Both of them were hal within how long? Probably 1385 01:53:30.760 --> 01:53:36.399 within I think three years. We have two roofs within three years. Oh 1386 01:53:36.439 --> 01:53:40.119 my god. Yep, you're You're a hotspot. They're getting read of you. 1387 01:53:41.279 --> 01:53:44.039 So I was wondering, is this kind of like, uh, you 1388 01:53:44.079 --> 01:53:46.920 know, when an old girlfriend drops you, you're done? Or is there 1389 01:53:46.960 --> 01:53:50.439 any record you mean, like will other girls be attracted to you? Or 1390 01:53:50.720 --> 01:53:54.600 or you mean, can you can you force them to renew you? No, 1391 01:53:54.760 --> 01:53:58.279 you can't, And that's what I was wondering. No, there is 1392 01:53:58.319 --> 01:54:01.079 no force renewal that you can't or it's a company to keep you. But 1393 01:54:01.760 --> 01:54:06.359 I think now I don't like a lot of government regulation. But I will 1394 01:54:06.359 --> 01:54:12.159 tell you this the only industry in the world that I believe should be regulated 1395 01:54:12.479 --> 01:54:15.199 more than any other industry. If I had to pick one, if I 1396 01:54:15.239 --> 01:54:18.640 had to pick, like, who should be regulated, it's insurance. Insurance 1397 01:54:18.800 --> 01:54:25.119 is a nasty, dirty, disgusting business, and it's it's just not a 1398 01:54:25.159 --> 01:54:30.840 good thing. It's become mandatory because we can't sustain some of these losses on 1399 01:54:30.880 --> 01:54:34.800 our own. But in my opinion, it is an immoral industry. It 1400 01:54:34.920 --> 01:54:44.600 is predicated on not paying justifiably for losses. It is predicated on trying to 1401 01:54:44.720 --> 01:54:48.399 keep as much and make as much profit and screw the owners. And I 1402 01:54:48.520 --> 01:54:53.159 hate it. But well, Tom, they didn't have any problem taking my 1403 01:54:53.279 --> 01:54:56.239 money for twenty three years. That's what I'm getting at. I think, 1404 01:54:56.720 --> 01:55:02.319 I think personally that there should be some kind of legislation and requirements that if 1405 01:55:02.359 --> 01:55:06.800 they take your money for a certain number of years, they have to take 1406 01:55:06.840 --> 01:55:13.720 it after that for the same number of years after what would be a cancelable 1407 01:55:13.760 --> 01:55:16.439 event. So if oh my god, I'm turning over in my soon, 1408 01:55:16.560 --> 01:55:19.720 don't care. I don't care, I don't care what you're doing. I'm 1409 01:55:19.760 --> 01:55:25.279 saying that I would invest in any companies that do that, and I'm glad 1410 01:55:25.279 --> 01:55:28.600 you wouldn't, because, first of all, I don't believe insurance companies should 1411 01:55:28.640 --> 01:55:33.079 be publicly traded because I think that is another incentive to screw the policy holder. 1412 01:55:33.279 --> 01:55:36.199 But they are, yeah, but not all of them, but you're 1413 01:55:36.279 --> 01:55:41.840 right, they are many of them. And I think that insurance companies I'm 1414 01:55:41.880 --> 01:55:46.039 not saying it's going to happen, but I believe insurance companies of any industry 1415 01:55:46.079 --> 01:55:53.880 should be one that is nonprofit because the profit incentive for insurance, not for 1416 01:55:54.000 --> 01:56:02.680 other companies. For insurance is an automatic incentive not to pay just claims automatically, 1417 01:56:02.840 --> 01:56:06.720 and it shouldn't be not in health, not in casualty. We are 1418 01:56:06.760 --> 01:56:12.119 pulling our money together, We're pulling it, and what we should do with 1419 01:56:12.239 --> 01:56:16.880 that pulled money is use it to pay claims and to invest wisely. What 1420 01:56:16.960 --> 01:56:20.920 they have been doing, though, in the insurance industry, is more than 1421 01:56:20.920 --> 01:56:27.840 that. They're pulling other people's money together to make gross profits for themselves and 1422 01:56:27.920 --> 01:56:33.079 to increase their prompt their stock values, and not to serve the people who 1423 01:56:33.159 --> 01:56:38.319 pay the premiums. Now, no other companies do that. They couldn't stay 1424 01:56:38.319 --> 01:56:43.520 in business doing it. But because insurance has become mandatory, we have fallen 1425 01:56:43.640 --> 01:56:47.399 for this faulted model. We would never do that with a car, We 1426 01:56:47.520 --> 01:56:53.359 would never do that with any other product that we buy. If their incentive 1427 01:56:53.560 --> 01:56:58.479 is to not give you everything you paid for, that is exactly opposite of 1428 01:56:58.600 --> 01:57:01.640 let's say, the auto industry. They try to over deliver value for you. 1429 01:57:01.800 --> 01:57:05.439 They don't try to underdeliver. Every year they look to improve. The 1430 01:57:05.479 --> 01:57:11.479 insurance industry is the only industry that every year they look to diminish coverage. 1431 01:57:11.680 --> 01:57:15.239 It's the only industry that looks to do less and make more, the only 1432 01:57:15.279 --> 01:57:18.640 one. Now there's nothing and now auto and everyone else they do want to 1433 01:57:18.680 --> 01:57:23.199 make more. Nothing wrong with it, but they deliver more for it. 1434 01:57:23.680 --> 01:57:30.159 The insurance industry. The insurance industry wants to deliver less and get more, 1435 01:57:30.319 --> 01:57:34.960 the only industry that does that. Go ahead, dude, I don't want 1436 01:57:35.039 --> 01:57:40.359 market roll over and is great. But pail damage I thought was always considered 1437 01:57:40.479 --> 01:57:44.800 that's not your fault. Well that's true too. They're saying, they're saying 1438 01:57:44.840 --> 01:57:47.079 you're in a high risk area. They're not blaming you for it. But 1439 01:57:47.079 --> 01:57:53.600 but and really, look, there is something to be said about high risk 1440 01:57:53.680 --> 01:57:57.560 versus low risk and all that. But when you aggregate losses, okay, 1441 01:57:57.880 --> 01:58:00.319 and you have two losses, Let's say you've had two losses and how many 1442 01:58:00.399 --> 01:58:03.680 years you've been with them? How many years, and then you're canceled. 1443 01:58:04.239 --> 01:58:09.680 Now, to me, that's not that's not proper. That's my opinion. 1444 01:58:09.720 --> 01:58:14.800 It's not proper. Again, insurance is the Ore's a lot of companies that 1445 01:58:14.880 --> 01:58:17.920 have decided not to write anything in California. We just won't do it. 1446 01:58:18.159 --> 01:58:23.079 I just don't have a problem with that. If they're losing money in California, 1447 01:58:23.119 --> 01:58:26.800 they shouldn't be forced to write a policy in California. Okay, I 1448 01:58:26.800 --> 01:58:30.439 think the company needs to make that decision. Okay, that's right. The 1449 01:58:30.439 --> 01:58:32.520 way they're structured now, they have to make a decision. But when you 1450 01:58:32.560 --> 01:58:38.119 say losing money, they're not losing money. They're losing value. They're not 1451 01:58:38.960 --> 01:58:44.680 they're not net subtracting money. They're not literally going into the red. They 1452 01:58:44.720 --> 01:58:47.840 are in that location, arguably, I don't know they're losing. What they're 1453 01:58:47.960 --> 01:58:54.439 losing is value and investment and profit. That's what the yeah, they did 1454 01:58:54.479 --> 01:58:58.319 lose compared to the year previously. They're not going into the red They're not 1455 01:58:58.560 --> 01:59:01.640 literally going into the red. What I'm saying is the whole idea of insurance 1456 01:59:02.039 --> 01:59:06.520 is to be aggregated, so the people the place is having losses, the 1457 01:59:06.640 --> 01:59:12.439 places not having losses make up for it. Again, you're right the way 1458 01:59:12.520 --> 01:59:15.039 it's structured. Now, every company has a right to say I can do 1459 01:59:15.119 --> 01:59:21.199 business or not. What I'm saying is the entire function of the industry is 1460 01:59:21.239 --> 01:59:27.720 too important not to be heavily regulated. Too important it is. It's just 1461 01:59:27.920 --> 01:59:32.279 it's it's too ubiquitous, and it's become mandatory. It's it's just a ridiculous 1462 01:59:32.319 --> 01:59:36.720 notion. Do we need something like don't you know? No, but I 1463 01:59:36.760 --> 01:59:42.800 think there needs to We don't need more government in any i'm talking about. 1464 01:59:42.880 --> 01:59:47.920 No, I'm talking about a nonprofit structured company that simply does exactly the same 1465 01:59:48.000 --> 01:59:54.319 thing except make profit. That the profit incentive when when you look at a 1466 01:59:54.399 --> 01:59:57.920 claim, you don't say to yourself, no, we're not going to play 1467 01:59:57.920 --> 02:00:00.079 one hundred every claim they look at. They they never want to play. 1468 02:00:00.560 --> 02:00:04.640 That's why they have things called adjusters. Now, I'm not saying when they 1469 02:00:04.680 --> 02:00:10.880 become nonprofit they should play every cockamami claim or fraudulent claims again, don't go 1470 02:00:11.039 --> 02:00:15.199 there. I am saying legitimate claims every single day are turned down by insurance 1471 02:00:15.520 --> 02:00:23.760 or underestimated by insurance for the mere purpose of more profit. You never have 1472 02:00:23.880 --> 02:00:28.760 to feel sorry for insurance. They are immoral and corrupt. They have inserted 1473 02:00:28.800 --> 02:00:33.680 themselves into our economy and have absolutely made money off the misery of others. 1474 02:00:39.920 --> 02:00:44.399 Go with a sure thing Denver's Best roofer Excelroofing dot com. You don't pay 1475 02:00:44.399 --> 02:00:50.800 a cent until you're content. Time for an insurance checkup free, no obligation. 1476 02:00:50.840 --> 02:00:56.279 In comparison, call Compass Insurance paying too much your coverage at dozens of 1477 02:00:56.319 --> 02:01:00.279 insurance companies find out now three oh three seven seven to one help. You'll 1478 02:01:00.319 --> 02:01:03.159 think you're his only customer when you choose Frank durand the real estate Man dot 1479 02:01:03.159 --> 02:01:08.880 com to list your home with Remax Alliance three oh three nine two zero sixteen 1480 02:01:08.960 --> 02:01:15.840 twenty two. Hi Tom Martine, you're a troubleshooter at three all three seven 1481 02:01:15.920 --> 02:01:20.159 one three talk three all three seven one three eight two five five. Do 1482 02:01:20.239 --> 02:01:26.760 you want to calculate your carbon footprint? You can, It's free. All 1483 02:01:26.760 --> 02:01:29.680 you have to do is put in your stuff. You tell them where you 1484 02:01:29.760 --> 02:01:33.479 live I got one right here, and you can calculate your footprint. Then 1485 02:01:33.920 --> 02:01:39.720 if that's not good enough, you can also offset that footprint by buying what 1486 02:01:39.760 --> 02:01:46.239 I call guilt credits, So you can buy credits after calculating what you have 1487 02:01:46.439 --> 02:01:51.399 done to the environment to offset it. So that's why people can have a 1488 02:01:51.520 --> 02:01:59.840 jet because all of the pollution that they contribute to the environment they can all 1489 02:02:00.199 --> 02:02:05.479 set by buying. So what is a carbon offset. You can buy money 1490 02:02:05.520 --> 02:02:13.199 that goes toward planting trees, or you can you can do something else that 1491 02:02:13.279 --> 02:02:20.640 would be considered net positive. So for your net negative, you add a 1492 02:02:20.680 --> 02:02:26.039 net positive. So I'm going to do a carbon footprint for me right here, 1493 02:02:26.239 --> 02:02:29.560 right now, right now. I'm doing it right now, putting in 1494 02:02:29.600 --> 02:02:32.000 my information as I do. It wants to know first of all, your 1495 02:02:32.039 --> 02:02:35.199 name, your zip code, how many people in the household, and then 1496 02:02:35.239 --> 02:02:41.439 you hit that. Then it starts asking all about your home, your energy, 1497 02:02:41.960 --> 02:02:44.319 what kind of gat you know, what kind you have, and how 1498 02:02:44.359 --> 02:02:47.000 much you pay. And I can't do that while I'm talking to you. 1499 02:02:47.039 --> 02:02:54.760 But then then after that you you put down, oh, what temperatures you 1500 02:02:54.880 --> 02:02:59.239 use, and then what kind of lighting you have? And then do you 1501 02:02:59.359 --> 02:03:02.399 have soul or what else you have? Then when do you do your wash? 1502 02:03:02.520 --> 02:03:06.079 How many times a day do you use cold water or hot water? 1503 02:03:06.520 --> 02:03:12.960 What energy star products do you have? Then it continues transportation. It wants 1504 02:03:13.000 --> 02:03:17.079 to know how many vehicles and how much you spend on maintenance, how much 1505 02:03:17.159 --> 02:03:21.359 gas you use, how many miles you drive, if you have an ev 1506 02:03:23.159 --> 02:03:26.000 blah blah blah. Again, I can't do this while I'm talking to you, 1507 02:03:26.279 --> 02:03:29.840 but it tells you what the averages are. And then you continue to 1508 02:03:29.960 --> 02:03:33.399 waste. What kind of waste do you have? Do you recycle and how 1509 02:03:33.479 --> 02:03:40.119 much do you recycle? And then it talks about that's it. Then you 1510 02:03:40.199 --> 02:03:44.800 can calculate, and when you calculate, it comes up with a number, 1511 02:03:45.359 --> 02:03:48.880 and then if you wish to offset it, you can offset it to make 1512 02:03:48.960 --> 02:03:55.960 you feel less skilty. And to offset it, you pay a certain amount 1513 02:03:55.960 --> 02:04:00.039 of money to buy these net positive, positive things for the environment. Now 1514 02:04:00.159 --> 02:04:03.760 here's what I want to say. I really mean this. I truly believe 1515 02:04:04.159 --> 02:04:06.920 that we should take really good care of our environment. Trust me, I 1516 02:04:08.000 --> 02:04:15.079 mean I really believe that. And but see, the carbon emissions versus our 1517 02:04:15.279 --> 02:04:21.199 environment are not directly connected, but we really should try to clean up air 1518 02:04:21.239 --> 02:04:24.600 and water as much as we can. There's nothing wrong with that. That's 1519 02:04:24.640 --> 02:04:27.640 a wonderful thing. We should be good stewards of the environment, right, 1520 02:04:27.840 --> 02:04:31.319 So what I'd like to know is do you personally make decisions based on that? 1521 02:04:33.520 --> 02:04:38.840 Now? Three oh three seven one three talk three oh three seven one 1522 02:04:38.880 --> 02:04:43.399 three eight two five five some other stuff I want to talk about. I 1523 02:04:43.439 --> 02:04:49.640 have some texts here. Somebody said that on a will that you don't have 1524 02:04:49.720 --> 02:04:54.960 to have it dated. When I said you do, and I think you 1525 02:04:55.039 --> 02:05:00.840 do now I'm actually though, I can't tell you that I got that from 1526 02:05:00.840 --> 02:05:04.720 our attorney. So could we get one of our estate attorneys on very quickly 1527 02:05:05.000 --> 02:05:10.279 about dating because this person who texted me doubted you had to have the original 1528 02:05:10.319 --> 02:05:13.399 copy and that you had to have a date. Well, Tom, look 1529 02:05:13.399 --> 02:05:15.600 at this way. If you and I, if you and I both have 1530 02:05:15.720 --> 02:05:18.079 copies of the will, and you say, well, your supersed's mine, 1531 02:05:18.439 --> 02:05:21.520 I say no, no, Tom, mind superseded yours? How would you 1532 02:05:21.560 --> 02:05:28.239 settle that without dates on the document? That's true, I mean, I 1533 02:05:28.439 --> 02:05:31.920 mean that's I can't imagine dates not being pertinent, I would think. So, 1534 02:05:32.079 --> 02:05:36.720 now let's talk about a matrix. We talked. I talked about this 1535 02:05:36.720 --> 02:05:46.479 this super matrix on ranking cities the most affordable housing in the entire country if 1536 02:05:46.520 --> 02:05:55.520 you want to move there right now. Jonesborough, Arkansas the most affordable housing 1537 02:05:55.640 --> 02:06:03.439 anywhere. Also next to that Bizmarck, North Dakota, and then Cedar Rapids, 1538 02:06:03.960 --> 02:06:11.039 Iowa, Sandy Springs, Georgia. So there are a lot of affordable 1539 02:06:11.079 --> 02:06:15.720 places to live where homes can still be purchased for one hundred grand or less? 1540 02:06:17.239 --> 02:06:20.399 Can you believe that? Now? Brian Burns is with us from Compass 1541 02:06:20.439 --> 02:06:25.439 Insurance Group. Brian, we were talking about insurance in general. I wanted 1542 02:06:25.439 --> 02:06:30.840 to ask a couple of questions when it came to companies. Are there any 1543 02:06:30.920 --> 02:06:34.560 mutual insurance companies still around where the Yeah? Okay, sure, And that's 1544 02:06:34.600 --> 02:06:41.000 where the policy owners they own the company. Is that right? That's right? 1545 02:06:41.119 --> 02:06:44.399 Yep, yep, that's not that's not on the stock exchange. It 1546 02:06:44.439 --> 02:06:46.479 can't. It doesn't have investors from the outside. Okay. So with a 1547 02:06:46.560 --> 02:06:53.479 mutual company, when you own it and you're a policy holder who makes like, 1548 02:06:53.479 --> 02:06:57.439 like what happens to profits? Are they put back into the company then 1549 02:06:57.920 --> 02:07:02.239 to make the insurance more of affordable? Yeah? I mean that's the thought 1550 02:07:02.319 --> 02:07:08.319 process behind it. I mean, is there any because there's no one person 1551 02:07:08.359 --> 02:07:13.880 that profits from the profit if it's mutual. If it's mutual, it's owned 1552 02:07:14.279 --> 02:07:17.399 by the policyholders, right right, Yeah, And a lot of it can 1553 02:07:17.439 --> 02:07:20.239 go back into reserves as well, obviously, because you have a certain amount 1554 02:07:20.239 --> 02:07:24.079 of money you have to ers, and the more you have, the higher 1555 02:07:24.119 --> 02:07:27.479 the rated carrier. That kind of thing. So, now, do mutual 1556 02:07:27.560 --> 02:07:34.800 companies act the same way as other stock publicly traded profit hungry companies like, 1557 02:07:34.920 --> 02:07:39.159 for example, And I'm not saying they're not all profit hungry, and I 1558 02:07:39.199 --> 02:07:42.920 don't want to talk about profit like it's evil except in insurance I think it 1559 02:07:43.039 --> 02:07:48.479 is. But when it comes to mutual versus regular insurance companies, I don't 1560 02:07:48.520 --> 02:07:51.600 know if you even know this or if it can be known. But do 1561 02:07:51.680 --> 02:08:00.000 they cancel? Do publicly traded companies have maybe lower thresholds before they cancel people. 1562 02:08:01.000 --> 02:08:03.039 I have not seen any evidence of that. I see it. I 1563 02:08:03.079 --> 02:08:07.199 mean, I have mutual companies that we write for, and I have, 1564 02:08:07.720 --> 02:08:11.079 you know, stock driven companies that we write for. I don't see any 1565 02:08:11.119 --> 02:08:13.439 difference. As a matter of fact, one of the mutual companies you write 1566 02:08:13.479 --> 02:08:18.960 for has been the most severe as far as shutting down writing business over really 1567 02:08:18.960 --> 02:08:22.720 a couple of years. Yeah, I mean like they were the first to 1568 02:08:22.720 --> 02:08:26.960 pull the plug and they have just not written anything. You know, the 1569 02:08:28.079 --> 02:08:33.279 mutual do the mutual holders get a say in all of that since they are 1570 02:08:33.439 --> 02:08:37.600 a voter? Well, I like, whenever you're writing up the policy, 1571 02:08:37.800 --> 02:08:41.680 you do have an option to opt in or opt out for the voting rights, 1572 02:08:41.720 --> 02:08:43.119 and I usually opt to everybody in just so they do it. But 1573 02:08:43.159 --> 02:08:46.800 I doubt many people take the time out. Okay, so basically it's going 1574 02:08:46.840 --> 02:08:52.079 to the proxied voters. That's right. Yep, that's very interesting. Give 1575 02:08:52.119 --> 02:08:56.039 me the eggs. I want to ask you some examples. I have to 1576 02:08:56.039 --> 02:08:58.279 take a break, but this is a fascinating topic because I also want to 1577 02:08:58.279 --> 02:09:03.760 ask you about being canceled and being you know, your your policies canceled for 1578 02:09:03.800 --> 02:09:09.760 a couple claims. What's the usual criteria and can you fight that actually and 1579 02:09:09.800 --> 02:09:15.359 get reinstated? Go with a sure thing Denver's best roofer excel roofing dot com. 1580 02:09:15.399 --> 02:09:20.720 You don't pay a cent until you're content. Three time for an insurance 1581 02:09:20.840 --> 02:09:26.119 checkup free, no obligation in comparison call Compass Insurance paying too much your coverage 1582 02:09:26.159 --> 02:09:30.960 at dozens of insurance companies find out now three oh three seven seven to one 1583 02:09:31.119 --> 02:09:33.800 help. You'll think you're his only customer when you choose Frank durand the real 1584 02:09:33.880 --> 02:09:39.399 estate Man dot com to list your home with Remax Alliance three oh three nine 1585 02:09:39.479 --> 02:09:48.239 two zero sixteen twenty two. Hi Tom Martino, You're troubleshooter three oh three 1586 02:09:48.279 --> 02:09:56.000 seven one three talk three oh three seven one three eight two five five genesistotalexteriors 1587 02:09:56.039 --> 02:10:03.239 dot com. Remember these people for your needs when it comes to outdoor exteriors 1588 02:10:03.279 --> 02:10:09.760 of your home for all of your storm damage genesistotalexteriors dot com. And speaking 1589 02:10:09.800 --> 02:10:13.640 of that, we have an insurance guy on Brian Burns from Compass Insurance Group 1590 02:10:13.000 --> 02:10:20.119 and Brian, it's really important to talk about this, and this is UH 1591 02:10:20.039 --> 02:10:24.800 cancelations because people are getting canceled all over And I had a whole discussion on 1592 02:10:26.279 --> 02:10:28.359 insurance. I'm not going to repeat right now, but I have my own 1593 02:10:28.399 --> 02:10:33.680 thoughts on the industry. But what when usually can you almost count on being 1594 02:10:33.720 --> 02:10:41.960 canceled? We had deputy chopper who works with us say that he had two 1595 02:10:41.039 --> 02:10:46.479 roofs. Did he say in three years? Yeah, two roofs. He 1596 02:10:46.600 --> 02:10:52.880 was canceled because of held him. What do you think, Yeah, I 1597 02:10:52.920 --> 02:10:58.920 mean, I definitely see. Here's the problem. There's not a stets stetsas. 1598 02:11:00.600 --> 02:11:03.680 So people will call me and say, hey, you know, I 1599 02:11:03.279 --> 02:11:07.520 might have some hail damage, and I especially whenever I see they've had a 1600 02:11:07.560 --> 02:11:11.720 claim in the last couple of years, I'll tell them, let's be cautious, 1601 02:11:11.840 --> 02:11:15.319 let's make sure it's worth filing the claim before you do it, because 1602 02:11:15.880 --> 02:11:18.199 they could be non renewed. But I've had plenty of people that have had 1603 02:11:18.279 --> 02:11:24.159 two losses to two hale losses in the last it's a five year window. 1604 02:11:24.199 --> 02:11:28.680 By the way, I know that you said three and three is a factor 1605 02:11:28.720 --> 02:11:33.039 in auto policies a lot of time, but in homes that I don't know 1606 02:11:33.079 --> 02:11:35.439 a carrier that doesn't look at a five year loss history. So in the 1607 02:11:35.520 --> 02:11:39.319 last five years, if you've had two losses, if you were to come 1608 02:11:39.359 --> 02:11:43.000 to me for new business, it'd be difficult to find a preferred carrier that 1609 02:11:43.039 --> 02:11:48.000 would take you. But if you've had three, I think you're you're pretty 1610 02:11:48.039 --> 02:11:52.560 confident three losses in five years you should be pretty confident you'd probably be non 1611 02:11:52.600 --> 02:11:56.920 renewed. But even that's not a steadfast rule, so it depends on the 1612 02:11:58.000 --> 02:12:03.720 company. Yeah and yeah, what how have they been you know what they've 1613 02:12:03.760 --> 02:12:09.119 filed with the Department of Insurance for that state. Uh and uh, and 1614 02:12:09.119 --> 02:12:11.960 and then it's up to sometimes things slipped through. In all honesty, I 1615 02:12:13.000 --> 02:12:15.800 had someone, I had someone that they were going to non renew because they 1616 02:12:15.800 --> 02:12:20.800 had multiple lots. They had three losses and two of them were water losses, 1617 02:12:20.800 --> 02:12:24.520 which were even considered insurance terms, even worse than hail losses of course. 1618 02:12:26.159 --> 02:12:30.640 And uh, they were set to non renew and forgot to actually get 1619 02:12:30.680 --> 02:12:33.279 the non renewal sent out to the customers, so they had to renew. 1620 02:12:33.399 --> 02:12:37.800 So at this point, yeah, but when they have to renew, do 1621 02:12:37.920 --> 02:12:41.239 they have to renew at the same premium? Well, they've already sent out 1622 02:12:41.239 --> 02:12:45.680 the renewal, so whatever the renewal was. Oh yeah, the renewal was 1623 02:12:45.720 --> 02:12:50.239 already done. So they're stuck for a year. So what go Okay, 1624 02:12:50.600 --> 02:12:54.079 so if you're canceled, let's say Jeopardy Chopper, he had two roofs in 1625 02:12:54.159 --> 02:12:58.039 three years. That's just the way it is. He had two roofs. 1626 02:12:58.159 --> 02:13:01.039 Yeah, okay, so he had two roofs, I guess in five years 1627 02:13:01.079 --> 02:13:05.319 as you put it. But so right, and he's canceled now, so 1628 02:13:05.520 --> 02:13:09.119 can I Is there an appeal process? And have you ever heard of people 1629 02:13:09.199 --> 02:13:15.840 being reinstated not for that kind of reason? I mean, the appeal process 1630 02:13:15.840 --> 02:13:20.880 of come into play if let's say they're canceling because of a reason that you 1631 02:13:20.000 --> 02:13:26.319 can prove has been fixed. In other words, they're saying that that there's 1632 02:13:26.640 --> 02:13:30.279 damage to your sighting and you didn't get it fixed, and you can prove 1633 02:13:30.520 --> 02:13:31.800 you can go back and appeal the non renewal and say no, no, 1634 02:13:31.960 --> 02:13:35.239 we did get it fixed. Here's pictures, that kind of thing that that 1635 02:13:35.479 --> 02:13:41.800 underwriting experience. No, you're not gonna have an there's not an appeal. 1636 02:13:41.159 --> 02:13:45.600 So let's put it this way. If an insurance company, let's put it 1637 02:13:45.640 --> 02:13:50.000 this way. Then if insurance companies wanted to ensure you and take premiums from 1638 02:13:50.079 --> 02:13:54.600 you for twenty years, yep, and then they decided on their own that 1639 02:13:54.640 --> 02:13:58.399 if you have one claim, they're canceling you, would they be allowed to 1640 02:13:58.399 --> 02:14:01.439 do that? Of course they would, is what you're saying. Yeah, 1641 02:14:01.520 --> 02:14:05.600 you know, you can make a non renewal. Do they have the right 1642 02:14:05.680 --> 02:14:09.840 to non renew They can't cancel mid term? Of course no. But it 1643 02:14:09.960 --> 02:14:13.479 seems to me a bit. It's that's where the immoral thing comes in. 1644 02:14:13.720 --> 02:14:18.359 It seems to me crazy that a company could literally collect from you for twenty 1645 02:14:18.439 --> 02:14:22.479 years and cancel you with one loss if they wanted to. And and again, 1646 02:14:22.960 --> 02:14:26.399 I mean, I haven't seen anything, no, of course not. 1647 02:14:26.880 --> 02:14:31.000 You've seen two losses. Yeah, I have seen two loss two losses. 1648 02:14:31.119 --> 02:14:35.399 Okay, so you know you're sure it for twenty years. You get two 1649 02:14:35.439 --> 02:14:37.840 losses and you're gone. Now if you do the man here, let me 1650 02:14:39.399 --> 02:14:41.279 let me do the flip side of that though, Tom, I have dealt 1651 02:14:41.319 --> 02:14:48.760 with people that have their losses that were seven years ago and they're they've got 1652 02:14:48.760 --> 02:14:52.079 the best rate they could possibly get out there. They're they're getting charged like 1653 02:14:52.159 --> 02:14:56.600 someone that hadn't had losses year. So because it's only a five year loss 1654 02:14:56.600 --> 02:15:01.560 experience, that's that's that's where they're looking at. So whenever people say I've 1655 02:15:01.560 --> 02:15:03.319 been I haven't had a loss in twenty years. I just had these two 1656 02:15:03.359 --> 02:15:07.159 in the last five I get it. But you could have had five ten 1657 02:15:07.279 --> 02:15:11.199 years ago and you're not being charged for Okay, So it goes both ways. 1658 02:15:11.439 --> 02:15:16.039 It is a five year you know, lost period that they're looking at. 1659 02:15:16.239 --> 02:15:20.520 Is that five laws? Is that five laws? Five year statutory? 1660 02:15:20.880 --> 02:15:24.880 That's what everybody uses. I don't know about status story. I don't know 1661 02:15:24.920 --> 02:15:28.800 the So we talked about mutual companies. Who are the big mutual companies that 1662 02:15:28.880 --> 02:15:35.000 you represent? So nationwide Safego is owned by Liberty, Mutual Acuity is a 1663 02:15:35.119 --> 02:15:41.479 mutual I'm trying to think through who else is a mutual company here? You 1664 02:15:41.520 --> 02:15:46.560 know, back to that que that conversation. Sometimes you can see mutual companies 1665 02:15:46.039 --> 02:15:52.079 honestly having higher rates at times just because they're they're so basis of income is 1666 02:15:52.119 --> 02:15:58.119 from the policyholders. They can't raise capital through you know, putting it out 1667 02:15:58.119 --> 02:16:03.359 to a market. There's no there's no Well, they probably could issue bonds, 1668 02:16:03.439 --> 02:16:07.760 just not equity stocks, right yeah, I don't know about the bonds. 1669 02:16:07.960 --> 02:16:11.000 You might be right, but I know they can't do equity stock obviously, 1670 02:16:11.199 --> 02:16:16.439 sir. I think sometimes they can be. It's a more conservative approach, 1671 02:16:16.479 --> 02:16:18.359 which isn't bad. I'm just telling you it can go both ways where 1672 02:16:18.399 --> 02:16:24.159 you can also right, so well, so mutual companies don't necessarily equate to 1673 02:16:24.239 --> 02:16:28.079 better companies for coverage or for rates, is what you're saying. And that's 1674 02:16:28.159 --> 02:16:31.840 just it's odd to me, but that's the way it is, right, 1675 02:16:31.880 --> 02:16:35.040 It's just very odd to me that that's the way it is. So I 1676 02:16:35.079 --> 02:16:39.200 don't know what we do, Brian. I've always said it's a terrible place 1677 02:16:39.239 --> 02:16:43.360 we're in right now, and you've said, hold on one second, I'll 1678 02:16:43.360 --> 02:16:48.600 finish up. You know, insurance is one of the biggest things we spend 1679 02:16:48.680 --> 02:16:50.360 money on, folks,