WEBVTT

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Y'all ripped up news need advice,
so you don't have the come run into

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Just as fast as we can.
Shooter's gonna help coming Man Dix. He

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is the Troubleshooter Show. No Tom
Martino, Hi, Tom Martino here.

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Welcome to the show, and welcome
to summer, and welcome to sun,

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and welcome to heat, and welcome
to life. We are here to help

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you solve problems, answer questions,
take complaints, make your life a little

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easier. Welcome three oh three seven
to one three talk for those streaming you

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see in my wife shot. I
got to my right here, Brian Burns

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from Compass Insurance Group. We love
talking insurance as well. I had one

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little inquiry on my on my texting. Now you can text the show as

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well as call. First you call
as I said, three oh three seven

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to one to three talk, or
you can call twenty four to seven three

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h three Martino three oh three six
two seven eight four sixty six and we'll

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get that no matter when you call, and you can leave a message and

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we'll get right back to you on
it. Okay. In fact, we

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have someone there who called and then
I did get though. I want you

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to look into this. I did
get one to see one guys that he

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called for an insurance check up June
thirteenth, provided all the necessary documentation.

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The same day, some guy there, I'll give you the name off there

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says he's been working on it and
would send him results and he never got

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any so far. He said,
he said, could you ask him what

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happened? You know, basically,
we don't get a lot of these complaints.

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But do you get like waves of
uh, probably when people get their

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bills. I mean, do you
get waves of insurance checkups? Right?

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Yeah, you do, and for
the most part you can. You can

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turn them around in a decent time. That's not acceptable. Obviously, I'll

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look into the and figure out.
But there are times where it's really complicated.

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It's much more complicated, and in
this market there's just so many companies

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not wanting business that you you really
have to work it and talk to underwriters

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and it gets suspended into underwriter desks
and it could take a couple three days

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to hear back from them whether they'll
prove it, and they ask you questions.

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So it is a process depending on
the circumstance. But yeah, June

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thirteenth is way too long. Okay, I'm saying that he is looking into

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it. So and that number of
you guys want to text it now,

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you can go as I said,
five seven seven three nine, or you

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can text my Google number. I've
been giving that out. It's been working.

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A lot of people are Google are
texting me. Yes, it's kind

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of cool. Number seven four seven
nine nine, fifty two eighty. And

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the reason for that, as I
said, it was, you know,

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seven four seven I love airplanes,
and nine nine nine was four as close

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to ten as I could get,
you know, and then fifty two eighty

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for the mile high. So seven
four seven nine eighty, let's talk to

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Robin. Hey, Robin, what's
going on with you? What's happening Robin?

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So, I have a problem that
with the United baggage? Oh man,

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hold on, I just can't believe
this. I've gotten hold on just

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recently. I've gotten about five or
six of these complaints just recently in my

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email and stuff. And the one
I just got I was just reading a

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minute ago before the show started.
I'll I just want to tell people what

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it is. What just for the
heck of it, if yours is like

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this, so he said, he
traveled, blah blah blah. Right he

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got back, they lost two bags. No one told him anything. There's

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no one to talk to. You're
just left out in the open. He

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finally he said, you know,
long story short, a guy did find

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bags three days later, and then
they come and they just deliver them.

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They drop them on the doorstep and
they were all cracked and destroyed. Sonnyway,

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what's your problem? So MINEU is? I can top that. So

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I went on a vacation May twenty
fifth. I returned home near to Colorado.

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I didn't get one of my bags. It was checked onto the carousel.

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Looked on the camera literally seeing the
man steal my bag from the carousel.

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What yes, yep, walked up
took it. So needless to say,

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I lived three hours away from the
airport, went back up there.

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Made wait wait, wait, when
you saw him do that, what did

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you do? Well? I didn't
know it was my bag because I didn't

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I don't really travel, so I
didn't have anything distinctive on it. But

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my sister and I we thought to
ourselves, gee, that looks like our

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bag. But it was a black
bag. So we're waiting for the other

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bag to come around. Because there
should have been another one. As that

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happened, the United assistant says,
if you don't find your bag, I

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set some over here. Well,
of course they see the other because it's

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a teel turquoise color. I'm like, oh, there they are, walk

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over there. There's only one.
At that point I realized that probably was

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my bag. So I went through
the steps, made the report. I

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told him I seen a man take
my bag. I'm certain that. I

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mean that, you know, give
him a description. I'm certain that that

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man probably Well what were they supposed
to do at that point though? Nothing?

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Yeah, I understand that, because
they said it may be it'll come

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back, so mind. In fact, I would say that that kind of

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puts them off the hook. They
delivered the bag, somebody stole it.

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That's a that's theft. However,
they took me. Here's where their responsibility

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life. Tom Okay, don't make
they I d me, they make sure

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before they take my bag into and
check it that I proved that this is

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my ID and this is my bag. And anybody can walk down to a

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carousel and take anybody's bag. There
is no nobody ID you, nobody's right,

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your numbers, nobody checks you at
the door, so anybody can take

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it. But they left to say
it didn't come back within a few days.

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I called the security up there,
drove back up, made a police

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report. They went to the cameras
because I had IDs this person that I

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had taken my back and what did
they see? Lawrence? He has some

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warrants. He's kind of not a
real good guy. How did they know

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who he was? How did they
know from the cameras? And then they

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but how did they know his name? Well? Through a picture. They

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just send it in and they can
say, yeah, that's so and so.

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Okay, so they do have a
suspect. Yes, so it was

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in your bag. By the way, what was in your bag? All

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my souvenirs from my trip? I'm
not I'm not sure. Listen, I'm

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not really sure. I'm trying to
noodle this right now. Okay, are

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you thinking United it's responsible? I
mean it's a thief, right, so,

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yes, But United is responsible because
why because United took my bag and

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they are responsible for my bag until
it gets back to me. No,

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that's not actually, that's not actually
true. That bag was put on the

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carousel and somebody came and stole it
before. I mean they got your Wait,

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they got your bag to the location. It's you that didn't pick it

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up. You even saw someone pick
it up and walk away. I listen,

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I'm not trying to argue with you, but this is completely different than

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the other complaints. They did get
your bag to its location, they put

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it on the carousel. I mean, how can they be responsible because a

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thief went in and took it.
What you're saying is in general, Hold

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on, you're saying in general.
I get it that airline should have a

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better system or the airport should have
a better system for people retrieving bags.

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But I'm gonna tell you something that's
not negligence on United's part. That is

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the system. They're operating within the
system. They've done nothing unusual. Do

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you see what I'm saying? Under
the current system, they did nothing unusual.

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That's correct, and the system sucks. I agree with you. I

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totally agree with you, and I
would be just as pissed as you are.

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The system sucks, but United.
I'm not trying to stick up for

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United, but they did not do
anything wrong. So how do we change

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the system? Well, how's that
going to help you? Right now?

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I mean this is sucky. Can
they find this idiot? It's been a

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month, you tell me. Obviously
not. And then it happened in Denver

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two. It came on the local
news about oh, I don't know,

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maybe a week or so after that, they actually arrested a guy for stealing

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luggage out of it out of Deia
right around the same days. I don't

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think it's the same person. I
contacted the police officer that was. You

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know what, what I don't understand
is what so you had no way of

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identifying your bag from sight? You
just thought it looked like yours, correct,

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because it was just a black bag. I mean, I knew what

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brand of bag I had because I'm
not much of a traveler. So well,

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do you have a tag on your
bag with your name? Was there

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a tag on it? It does
sort have a tag on it. But

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he so confidently just walked up to
the carousel, stood there, took that

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bag and walked away. You assume, I assumed it had something on there

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that was recognizable to him to know
that that one was his bag. And

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so then tell me what you think
should be done right now? I'm curious,

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No, I'm its policy. They
are responsible, Well, I've been

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talking to United. Okay, so
you hold on. United admitted they're responsible.

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Correct? Why correct? Just tell
me why? Because they took my

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bag from me and they didn't get
my bag back to me. They don't

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guarantee hand to hand handoffs. I'm
sorry. I'm sorry, Robin, we

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can't agree. I'm sorry. I'm
so so sorry. Three oh three seven

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won three dogs. I'm sorry.
Listen. If they agreed they're responsible,

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then sue them in small claims court
and collect your money. Okay, because

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they're gonna come and they're gonna say, Robin is right, we're responsible.

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They did nothing wrong. Does anyone
agree with me? I mean, I

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mean, come on, did they
do anything wrong? I want to know

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about homeowner's insurance? Brian, it's
an obvious question. What about homeowners insurance

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in a case like this. I
want to know about that. Yeah,

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your personal property is covering into your
owner's insurance. But most people have a

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deductible that's going to be greater than
what the value of the stuff in their

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and their suit. Well, what
if she bought stuff there that's not part

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of her It's still hers at the
time that she purchases, it's her personal

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property. So it would fall underneath
personal property. But I mean, you

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know, if you think through,
let's say she has at the minimum one

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thousand dollars deductible, and let's say
she has three thousand dollars even worse of

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a personal property. If she called
me, I'd tell you, don't make

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a claim for two thousand a net
two thousand dollars just because you get penalized

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so much from insurance companies for making
that claim. I would save a homeowner's

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claim for a much greater, you
know loss. Somebody just said on YouTube,

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get the Apple air tags. Yeah, you know, wasn't Wasn't there

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a story that just came out where
this happened where someone's luggage was stolen.

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They had an air tag in it, and it ended up they tracked it

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to an airport employee's house. I
think it was in Florida, and they

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had a whole operation going where they
were stealing luggage bringing it back to their

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house and she had computers and everything
in there, and they busted the guy.

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You went to jail. Well,
you know, Tom, the only

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way to prevent this would be to
have somebody check your baggage against the you

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a coupon that they give you.
And can you imagine, well, some

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airports do that, you know,
well, can you imagine the uh,

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the backlog that would It's not as
bad as you think. I've been to

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airports where they have a corral and
when you leave, you show the guy

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your tag. Can I can imagine
how many people would lose their tag in

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between when they left. I mean
it would. I agree with you.

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I think you would have a huge
back horrendous well anyway, but that's the

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only way to do it, Tom, Yeah, okay, Doc, thanks

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for being there. By the way, I don't I don't feel comfortable calling

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this their fault. And by the
way, we got a lot to talk

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about, a lot of consumer news
plus your calls. Please hang on,

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I'll get right to you. Three
oh three seven one three talk seven one

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three eight two five five. And
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paying too much your coverage at dozens
of insurance companies find out now three oh

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three seven seven to one help.
You'll think you're his only customer when you

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choose Frank durand the real estate Man
dot com to list your home with Remax

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Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martinez here

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three oh three seven one three talks
seven one three eight two five five.

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I'm gonna go back to the phones
and help you any way I can,

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because that's what we do here.
And another thing you can get help with

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00:14:09.360 --> 00:14:15.000
is Frank Duran does real estate analysis. I can't stress this enough. So

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many people are thinking about selling their
house, but they don't know what it's

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gonna sell for, so they call
people and they usually end up going with

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the person who says, oh,
yeah, your house can sell for this.

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The worst way you can pick listing
is by what someone says they can

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sell your house for. They have
to show you and don't be surprised with

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Frank Duran when he shows you if
he said that's what your house will sell

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for. But we're gonna ask less, and you're gonna say why why don't

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you ask more and ask come down. Frank's got this pricing strategy that's proprietary

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that it's an amazing phenomenon because he
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and then it goes up because they
do a bidding war. Look at the

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man is genius. But you can
get an analysis without any kind of obligation.

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Three h three nine two zero sixteen
twenty two Frank around the real Estate

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Man dot Com. Okay, so
Sharon, no, no, I'm gonna

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go to Elaine real quick. Elaine, because she called in, we're calling

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her back. She needs advice on
an HA. Go ahead, Sharon,

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what's happening? Com? Can you
hear me? I can Sharon welcome?

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What's going on? Oh? This
is actually Elaine? I'm known with the

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HOA question? Okay, I'm sorry, Elaine, you're right, Okay,

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go ahead, Elaine. You can
call me Joe Biden if you want.

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00:15:30.840 --> 00:15:35.879
Go ahead. No, not your
clothes, okay. So I live in

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Massa County in northwestern Colorado, and
I am out in County and we are

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trying to put together in HOA for
our small community. Our issue is we

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have people that are trying to subdivide
their acreage and we just want to have

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some say in what kind of dwelling
they put on the property. Well,

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I've done fourteen hoas, so yeah, I can help you, but I

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00:16:02.919 --> 00:16:06.440
caution you just from what you've already
told me. There's some things you need

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to know first and foremost, you
can't just go out and take a group

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of homes, call it a community
and form an HOA and then make it

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retroactive, for example, on rules
and regulations, because people moved in there

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with none of those rules or regulations. But it's easier to modify what's already

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there. So I need to ask
some questions. This so called community.

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Is it a subdivision? It's part
of what they call the Johnson View estates,

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But we're trying to do it just
for okay, I'm asking. So

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Johnson View of States was a planned
unit development at one time. That's correct,

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and then you just have a sub
section of that you want to do.

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That's correct. What makes that sub
section? It's divided by your roads.

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So our private road is John and
View Court. But is it okay?

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So do you only want to do
people who live on that private road?

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00:17:06.400 --> 00:17:11.240
Correct? Who maintains that private road? We do? And how do?

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What does we constitute? How many
homes? We constitute? Seven homes

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each has an acreage of thirty five
Okay, Now these thirty five acres on

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this street? Do you have a
joint maintenance agreement for the road? We

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don't. Then how do you know
who pays for what? We just have

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always split it up equally between the
homeowners. Pretty dangerous. So this community

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is simply loosely this many people on
a private road. Yes, okay,

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it's going to be near and possible
to do an ha without one participation.

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Do you think you'll get it right? We would get six to seven might

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be a hard cell. Well out
of total? How many will you get

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out of total? Give me numbers
again, I'm sorry about how many?

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Seven there's seven residents. How many
will you get? The six are for

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00:18:11.440 --> 00:18:15.599
sure? The seven we're not about. Okay. Now, if there's no

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original agreement whatsoever, you got to
look if it was a planned unit.

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If it's not, you can't simply
ban together six homes. Grab a guy

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and call them number seven and then
tell them what to do. Right,

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Okay, if you can get together
with an agreed amount of rules and then

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you want to change those rules once
it is in place, you can do

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that with you can change retroactively with
seventy five percent of the membership. But

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00:18:53.839 --> 00:19:00.279
if it's not there to begin with, you can't create a membership. Beitryly

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throw that guy into it votes seventy
five percent to change what he can do

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when he never had those conditions to
begin with. Does that make sense?

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It does. The thought was that
what is it? What is an existence?

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00:19:14.960 --> 00:19:17.759
You would kind of be I guess
grandfathered in for lack of a better

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00:19:17.839 --> 00:19:23.400
term, It would be for quote
new build type thing only. Yeah,

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00:19:23.480 --> 00:19:27.240
yeah, I understand that. But
that is retroactive because he had thirty five

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acres and you want to you want
to tell him he can't have seven lots.

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00:19:33.240 --> 00:19:38.119
Great, okay, that's retroactive because
he he he, you're going back,

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00:19:38.559 --> 00:19:44.680
he bought thirty five acres. Maybe
with the intent of subdividing, you

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could do this. You could get
the six homes together that agree to this

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00:19:48.000 --> 00:19:52.960
and just make the rules so it
can't keep happening. The other thing.

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00:19:52.160 --> 00:19:57.079
The other thing you could do,
and and is the county is the one

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that rules whether someone can subdivide.
In order to subdivide thirty five acres,

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someone has to go and do public
hearings and get approvals. So do you

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00:20:10.680 --> 00:20:15.039
think it's going to be easy.
Wait, we went through that process once

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already. Who's we who on your
street? On your road? Yes,

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everybody that touches his property. We
were all notified by the county. There

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was a hearing beginning of June.
Was he approved? He was not approved.

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00:20:29.519 --> 00:20:32.960
He had safety violations that were against
building. Okay, So do you

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00:20:32.960 --> 00:20:36.920
think he's going to take another shot
at it? He has been taking shots

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00:20:36.960 --> 00:20:41.119
at it every week. They've told
him that he cannot proceed with the subdivision

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00:20:41.200 --> 00:20:47.279
until he makes right. Okay,
he's wrong with the violations. But in

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addition to violations, they could rule
against him simply because it's not conducive.

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00:20:52.079 --> 00:20:56.240
It's they don't have the services,
they don't have the you know, that's

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00:20:56.319 --> 00:21:00.799
what the public hearings and the up
planning commission is all about. And then

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00:21:00.839 --> 00:21:07.160
they make a recommendation to the county
commission. So does the county commission in

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00:21:07.279 --> 00:21:15.319
general want to see more development that
I'm not sure they had expressed in the

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00:21:15.359 --> 00:21:18.200
meeting in June that ultimately, you
live in the county for a reason,

279
00:21:18.200 --> 00:21:22.559
it's your property. You do what
you see fit. But since he was

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00:21:22.599 --> 00:21:27.240
in violation of building code and some
other easement issues that they were going to

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00:21:27.279 --> 00:21:32.319
deny at that time. Okay,
listen, here's the thing. You're going

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to have a tough time doing what
you want to do. Okay, you

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00:21:36.839 --> 00:21:40.400
can do a homeowners association, and
you can even do it with him,

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but it's only going to be upon
agreement, and the agreement's going to be

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based on your bylaws and your covenants
and all of that. What you can

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00:21:48.160 --> 00:21:55.160
try. Do you think he's going
to say no? I think in the

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00:21:55.200 --> 00:21:59.640
last meeting the commissioners advised him to
work with his neighbors since there were so

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00:21:59.680 --> 00:22:06.960
many of us they're represented the area
saying we are against this and the reasons

289
00:22:07.000 --> 00:22:10.400
why. So they advised him would
probably a good idea to work with his

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00:22:10.480 --> 00:22:15.359
neighbors. So I'm hoping that will
bring through, Okay, because that's your

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00:22:15.400 --> 00:22:18.200
only hope. I mean, you
can't make the guy do any You can't

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00:22:18.279 --> 00:22:22.640
just go in group some houses together
and then start dictating terms to somebody.

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00:22:22.839 --> 00:22:27.240
But that doesn't mean he just gets
to subdivide. The county will make sure

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it's conducive and they take into consideration
adjacency, meaning if the land around it

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00:22:34.119 --> 00:22:37.799
is not like that and they're all
opposed to it, there's a very little

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00:22:37.920 --> 00:22:45.200
chance that this guy will succeed.
Okay, Well, the concern is he

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00:22:45.720 --> 00:22:51.359
in the plan to split it up. My property is directly across and the

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00:22:51.400 --> 00:22:56.960
way he had it set up,
there would now be three homes directly across

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00:22:56.000 --> 00:23:00.480
from my home. Yeah, but
that's the only thing. The county is

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00:23:00.480 --> 00:23:07.039
concerned with, police protection, fire
protection, roads. I mean, what

301
00:23:07.160 --> 00:23:10.759
is he going to do about roads? Is he going to dedicate him to

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00:23:10.799 --> 00:23:12.319
the county and bring him up to
county standards. What's he going to do

303
00:23:12.359 --> 00:23:17.519
for access? Right? Yeah,
if it's a private road, do you

304
00:23:17.599 --> 00:23:22.279
understand if it's a private road,
you guys can and all of you are

305
00:23:22.359 --> 00:23:26.559
maintaining it, you can tell him
you're not going to allow him to do

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00:23:26.640 --> 00:23:30.519
it because use your road. You
have to put in another road. Now

307
00:23:30.559 --> 00:23:33.319
that that's something you guys can do. If you all own part of that

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00:23:33.440 --> 00:23:37.599
road, you can vote to keep
him off that road because you don't want

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00:23:37.960 --> 00:23:42.640
ten times the traffic, okay,
And how would I go about that?

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00:23:42.680 --> 00:23:47.279
Because I well, okay, well
the way you go about is to see

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00:23:47.279 --> 00:23:49.160
an attorney. That's what you do. Okay, But let me just because

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00:23:49.200 --> 00:23:52.960
you're going to do it all wrong
if you don't. But the bottom line

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00:23:52.000 --> 00:23:56.200
is this, and this is really
important. You have a joint road agreement,

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00:23:56.240 --> 00:23:59.720
whether or not it's in writing,
because you all chip in for that

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00:23:59.799 --> 00:24:03.680
road. Now, logic will tell
you that if this man wants to turn

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00:24:03.720 --> 00:24:07.240
one lot into seven lots, or
one lot into whatever how many lots,

317
00:24:07.720 --> 00:24:15.279
it should not. It's not going
to work. So so what you do

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00:24:15.759 --> 00:24:18.759
is is he willing when he let's
just say, instead of one house there,

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00:24:18.799 --> 00:24:22.119
now you have six? Is he
willing to pay for most of the

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00:24:22.200 --> 00:24:26.759
road maintenance? Has he ever talked
about that? That's what you go to

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00:24:26.799 --> 00:24:30.880
the county about, not about just
you don't like three houses next to you.

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00:24:30.400 --> 00:24:37.680
None of that matters. You talk
about services and maintenance and fairness.

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00:24:37.960 --> 00:24:45.160
And I think you guys can form
a group a joint road agreement and if

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00:24:45.160 --> 00:24:47.759
he won't sign it, fine,
then he doesn't get to use it.

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00:24:47.839 --> 00:24:51.880
You can vote him. You know, you have some power there because you

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00:24:52.119 --> 00:24:55.720
all share a road that you but
you have to look at a survey what

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00:24:55.799 --> 00:24:59.240
parts of the roads you guys own. Do you all own all of it

328
00:24:59.359 --> 00:25:02.279
or do you each one own part
of it. You've got to get a

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00:25:02.319 --> 00:25:04.680
real estate attorney. Brad O'Brien is
one of our real estate attorneys if you

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00:25:04.680 --> 00:25:08.200
want to call him and he may
not be able to handle it up there.

331
00:25:08.400 --> 00:25:11.160
You know, Brad is very specific
in what he will handle and what

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00:25:11.200 --> 00:25:15.079
he won't handle, which is fine. I'd rather do that than mislead people.

333
00:25:15.079 --> 00:25:18.839
But start with him. Let me
give you his number. It's Brad

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00:25:18.880 --> 00:25:27.039
O'Brien, O'Brien Legal Services seven to
zero three seven zero three seven zero seventy

335
00:25:27.079 --> 00:25:30.680
three eighty eight seventy three eighty eight. Perfect, Tom. I just want

336
00:25:30.720 --> 00:25:36.079
to say thank you so much,
but going online has been so confusing and

337
00:25:37.359 --> 00:25:40.359
quite frankly er. Yeah, just
call me if you have any questions.

338
00:25:40.400 --> 00:25:42.559
I've been through this a lot three
oh three seven on three talk. By

339
00:25:42.559 --> 00:25:47.160
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340
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341
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342
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347
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dot com to list your home with
Remax Alliance three three nine two zero sixteen

349
00:26:32.880 --> 00:26:42.759
twenty two. Hi Tom Martino,
you're troubleshooter. Welcome to the show.

350
00:26:42.799 --> 00:26:48.079
I want to get to the phones. It's it's really important that I take

351
00:26:48.160 --> 00:26:49.799
a priority for calls. But we
have a lot to talk about today.

352
00:26:51.240 --> 00:26:57.440
Sharon. Hi, what's happening Sharon? Well, in May I went to

353
00:26:59.039 --> 00:27:06.160
a guy of Betty meeting here in
Lakewood. And anyway, what is a

354
00:27:06.200 --> 00:27:11.440
diabetic meeting? Is it of fellow
patients and people with diabetics diabetes? Yes,

355
00:27:11.759 --> 00:27:17.519
it's just a meeting. Yeah,
okay, And what was it about?

356
00:27:18.240 --> 00:27:25.640
Well, it's about helping you get
better basically, you know, getting

357
00:27:25.720 --> 00:27:32.720
well from your issues. It was
just not for diabetes. It was for

358
00:27:32.960 --> 00:27:40.000
you know, other things people were
having, Okay, medical issues anyway.

359
00:27:40.200 --> 00:27:45.920
Okay, So my daughter and I
thought, okay, this this program sounds

360
00:27:45.960 --> 00:27:52.319
pretty good. So what happened is
she was going to go in with me

361
00:27:52.640 --> 00:27:57.279
and now put on this This is
the sixty four question. Who put on

362
00:27:57.319 --> 00:28:07.240
this meeting Older Chiropractic in Boulder Shitty, Nevada. Okay, so we're talking

363
00:28:07.240 --> 00:28:12.400
about Boulder City, Nevada, not
Boulder, Colorado, right, Okay,

364
00:28:12.920 --> 00:28:22.039
So it was sponsored by the meeting
was sponsored by or put on by Boulder

365
00:28:22.079 --> 00:28:27.440
City Chiropractic. Well, actually it
was Boulder Chiropractic. That's the name of

366
00:28:27.480 --> 00:28:32.200
the company. Got it And it
was put on by a doctor, Tanny,

367
00:28:33.000 --> 00:28:34.920
and he was so impressive, and
my daughter and I were going to

368
00:28:36.000 --> 00:28:38.920
go into the program, and so
and what was what what tell me this

369
00:28:40.039 --> 00:28:45.480
program? There's nothing wrong with doctors, both chiropractors, mds and osteopaths.

370
00:28:45.559 --> 00:28:53.279
There's nothing wrong with doctors having concierge
or progressive medicine or proactive health programs.

371
00:28:53.319 --> 00:29:00.759
But what was involved in the program, Well, what was involved is the

372
00:29:00.880 --> 00:29:07.480
signing a what it is? Here
is the program card and you sign that

373
00:29:08.359 --> 00:29:12.279
and the next day, well,
what does that mean? What does that

374
00:29:12.319 --> 00:29:19.079
mean? Were you obligating yourself for
some long term program? Yes? Okay,

375
00:29:19.279 --> 00:29:25.720
now that's your first sign In my
opinion of a charlatan, I know

376
00:29:25.799 --> 00:29:33.279
of no decent, no decent proactive
concierge clinic for health will make you obligate

377
00:29:33.319 --> 00:29:40.240
yourself. So how long are you
obligating yourself? Oh, for about three

378
00:29:40.319 --> 00:29:48.359
years? Okay? And how much? How much? Well if six thousand

379
00:29:48.400 --> 00:29:52.839
dollars for about three to four years
to pay it off? Hold on,

380
00:29:52.799 --> 00:29:56.440
no, no, no, I'm
asking the total cost of this program.

381
00:29:56.480 --> 00:29:59.880
If you had cash that day,
what would it be for a three year

382
00:30:00.039 --> 00:30:06.200
program? Six thousand total? Okay? Now I'm going to tell you something.

383
00:30:06.319 --> 00:30:08.000
I don't know what it what it
includes, I don't know. What

384
00:30:08.079 --> 00:30:12.480
I don't like is that you're obligating
yourself upfront and you can't cancel. You're

385
00:30:12.480 --> 00:30:17.400
telling me that's right. I don't
like that at all. That to me,

386
00:30:17.599 --> 00:30:21.640
to me, that that's a sham. However, the price in and

387
00:30:21.680 --> 00:30:30.039
of itself is not unusually high.
There are many many doctors I'm part of

388
00:30:30.079 --> 00:30:36.200
a concierge program with an MD,
and I do a I do a monthly

389
00:30:36.279 --> 00:30:40.119
payment. I think it's like three
hundred or some but but what I do

390
00:30:40.200 --> 00:30:47.440
is includes supplements and prescriptions, and
it includes consultations and blood work every three

391
00:30:47.480 --> 00:30:53.000
months. And I can call or
text anytime. It it but it's I

392
00:30:53.039 --> 00:30:57.519
can cancel anytime too, or I
can downgrade or upgrade the program, depending

393
00:30:57.559 --> 00:31:03.079
on what I want. What I
don't like is that the idea that you

394
00:31:03.160 --> 00:31:06.920
pay six grand and if you don't
like it, or if you run into

395
00:31:06.960 --> 00:31:11.000
financial troubles, that's just tough crap, is what you're telling me. Well,

396
00:31:11.119 --> 00:31:15.440
right, but the next because this
is this is as a program.

397
00:31:15.480 --> 00:31:18.160
It's one hundred and sixty six bucks
a month. That's not terrible. What

398
00:31:18.240 --> 00:31:22.640
I don't like is they don't let
you cancel because okay, but tell me

399
00:31:22.759 --> 00:31:25.119
keep going with your problem. By
the way, I just wanted to make

400
00:31:25.160 --> 00:31:30.160
that distinction for people. Go ahead, Okay. Well, my daughter and

401
00:31:30.200 --> 00:31:40.680
I met with him and I signed
a program card. The doctor filled it

402
00:31:40.720 --> 00:31:44.279
out because he put on the note
he was in a rush to get to

403
00:31:44.359 --> 00:31:49.039
the airport, so she initialed everything. Well, I did not initial everything.

404
00:31:49.119 --> 00:31:56.039
He signed me up for a VIP
membership. The next day two thousand

405
00:31:56.079 --> 00:32:02.519
dollars was taking out out on my
card credit card. But anyway, he

406
00:32:02.680 --> 00:32:12.839
gave me this new clinical nutriceutical shake, and my daughter decided she didn't like

407
00:32:12.920 --> 00:32:17.480
it, and so I compared it
to a shake powdered shake I had got

408
00:32:17.519 --> 00:32:27.039
at Costco, and my powdered shake
at Costco has twice the minerals probably yeahs

409
00:32:28.240 --> 00:32:30.319
twice. Anyway, did you decide
let's get right to this. Did you

410
00:32:30.359 --> 00:32:35.000
decide you don't want to be part
of it? Yep? Well did he

411
00:32:35.119 --> 00:32:38.119
let them know that? What did
they say? Well, I can't get

412
00:32:38.160 --> 00:32:44.000
out of it, and I've also
sent over an email to them and the

413
00:32:44.039 --> 00:32:47.480
reason why I wanted to get out
of it and what they did for me.

414
00:32:47.680 --> 00:32:51.440
Hold On, this is a bunch
of crap, Deputy Doc, you

415
00:32:51.440 --> 00:32:52.960
know where I'm going with this.
We need to call this clinic. We

416
00:32:52.960 --> 00:32:57.480
need to get some of your permission
or do a conference call. This is

417
00:32:57.519 --> 00:33:00.400
a lot of crap. We got
more coming. Hold on, we got

418
00:33:00.480 --> 00:33:02.000
just wait wait, wait, wait
wait, I'll talk to you. Coming

419
00:33:02.079 --> 00:33:08.759
up. Go with a sure thing
Denver's Best roofer excel roofing dot Com you

420
00:33:08.759 --> 00:33:15.440
don't pay a cent until you're content, wait time for an insurance check up

421
00:33:15.559 --> 00:33:20.960
free, no obligation. In comparison, call Compass Insurance paying too much your

422
00:33:20.960 --> 00:33:24.079
coverage at dozens of insurance companies find
out now three oh three seven seven to

423
00:33:24.119 --> 00:33:28.839
one help. You'll think you're his
only customer when you choose Frank durand the

424
00:33:28.920 --> 00:33:32.480
real estate man dot com to list
your home with Remax Alliance three oh three

425
00:33:32.559 --> 00:33:42.440
nine two zero sixteen twenty two.
Hi Tom Martine, you're a troubleshooter.

426
00:33:42.480 --> 00:33:45.880
Three oh three seven one three talk
three oh three seven one three eight two

427
00:33:45.920 --> 00:33:51.559
five five. Welcome to the show, folks. Now, what are we

428
00:33:51.599 --> 00:33:53.000
gonna do? We're gonna have deputy
Doc? What were you gonna say?

429
00:33:53.039 --> 00:33:57.680
Doc? I think we should call
these people. And what I was saying

430
00:33:57.839 --> 00:34:04.799
was, how the heck is a
chimeractor dealing with or treating diabetes? It's

431
00:34:04.839 --> 00:34:08.400
absurd. Well, here's what they
deal with. I listen, I've heard

432
00:34:08.400 --> 00:34:13.719
of them all. They deal with
wellness. I don't mind that they can

433
00:34:13.760 --> 00:34:15.599
do supplements. They can do all
kinds of stuff. Now, a good

434
00:34:15.639 --> 00:34:21.960
chiropractor, there's a difference between giving
you supplements and saying that the supplements are

435
00:34:21.960 --> 00:34:23.639
going to treat diabetes. Well,
I don't know what they say because I

436
00:34:23.639 --> 00:34:25.920
haven't been there. Okay, Doc, I'm not that. I don't want

437
00:34:25.920 --> 00:34:28.880
to get hung up on that.
Here's what I want to get hung up

438
00:34:28.880 --> 00:34:31.199
on. Okay, you're right about
it, though, you're right. But

439
00:34:31.400 --> 00:34:35.599
she said she had diabetes. Maybe
that's why she went there. I don't

440
00:34:35.639 --> 00:34:37.280
know if he made claims about diabetes. I don't care. I don't want

441
00:34:37.280 --> 00:34:40.840
to get sidetracked. I want to
go on one thing. Why is it

442
00:34:40.920 --> 00:34:45.599
non refundable? Why if he's not
going to render the services, it's a

443
00:34:45.639 --> 00:34:47.320
bunch of crap. What did he
go out and buy a bunch of equipment

444
00:34:47.320 --> 00:34:51.920
for her? You know that's a
bunch of crap. And listen to meet

445
00:34:51.920 --> 00:34:54.840
people. I'm going to tell you
something about chiropractic, and I don't give

446
00:34:54.880 --> 00:35:00.079
a good damn if people don't like
it. If chiropractors don't like the sure

447
00:35:00.199 --> 00:35:06.239
sign of a bad chiropractor is someone
who becomes a chiropractor and works every day

448
00:35:06.239 --> 00:35:08.599
of their damn lives trying to get
out of adjusting people. And they do

449
00:35:08.800 --> 00:35:15.000
everything else from magnetic therapy to light
therapy to nutritional therapy. To red light

450
00:35:15.119 --> 00:35:21.039
to There are so many scams and
ripoffs, and they call themselves doctors.

451
00:35:21.320 --> 00:35:25.800
They're chiropractors. They're not medical doctors. Okay, but medical doctors aren't chiropractors.

452
00:35:27.000 --> 00:35:30.679
Stay in your frickin' lane if you
want to do proactive health. Give

453
00:35:30.719 --> 00:35:32.840
people an out in case they want
to get out. We're gonna call these

454
00:35:32.880 --> 00:35:38.639
people. It sucks. Go with
a sure thing Denver's best roofer Excel Roofing

455
00:35:38.760 --> 00:35:45.239
dot com. You don't pay a
cent until you're content. Time for an

456
00:35:45.239 --> 00:35:51.039
insurance checkup free, no obligation.
In comparison, call Compass Insurance paying too

457
00:35:51.119 --> 00:35:54.360
much your coverage at dozens of insurance
companies find out now three O three seven

458
00:35:54.480 --> 00:35:59.119
seven to one help. You'll think
you're his only customer when you choose Frank

459
00:35:59.199 --> 00:36:02.800
durand the real estate Man dot com
to list your home with Remax Alliance three

460
00:36:02.800 --> 00:36:15.079
oh three nine two zero sixteen twenty
two. Yeah, ripped news. You

461
00:36:15.280 --> 00:36:21.440
need advice who you don't have?
Come running sus fast as you can.

462
00:36:22.280 --> 00:36:29.880
Shooter's gonna help. Come man,
this is the Troubleshooter Show. No Tom

463
00:36:29.920 --> 00:36:32.400
Martine, Hi, I'm Tom Martino. Welcome to the show. Three oh

464
00:36:32.400 --> 00:36:37.280
three seven one three talk seven one
three eight two five five. Hey,

465
00:36:37.760 --> 00:36:44.360
don't forget that Denver Regen dot com
for your semiglute Tide compounded two hundred and

466
00:36:44.360 --> 00:36:50.320
seventy five bucks a month for the
weight loss drug that is making headlines and

467
00:36:50.400 --> 00:36:54.639
it's pennies on the dollar, Denver
Regen dot com. Now you know,

468
00:36:54.800 --> 00:37:00.400
Ryan called in while Mark did the
show a few weeks ago or more so

469
00:37:00.519 --> 00:37:02.360
go No, it was actually,
yeah, just the last month. And

470
00:37:02.440 --> 00:37:05.840
anyway, he called in, and
I'm going to sum it up real quick.

471
00:37:07.079 --> 00:37:10.199
He bought a brand new truck twenty
three Dodge Ram thirty five hundred,

472
00:37:12.400 --> 00:37:15.880
and he had an oil change of
Big O'd tires and he heard an engine

473
00:37:15.960 --> 00:37:20.440
knock after that about eight thousand miles
later. Then he took it to the

474
00:37:20.480 --> 00:37:25.039
dealer, Castle Rock Chrysler Dodge Jeep. They said it was the fault of

475
00:37:25.119 --> 00:37:30.840
Big O'. It was low on
oil. Not only was his engine ruined,

476
00:37:30.000 --> 00:37:34.119
it would cost him more than forty
thousand to get it repaired, but

477
00:37:34.280 --> 00:37:38.039
it would not be done under warranty. And in fact, they voided his

478
00:37:38.079 --> 00:37:43.519
warranty so he could go nowhere else. Ryan, Do I have that pretty

479
00:37:43.519 --> 00:37:50.559
well summed up? I'll be as
surd and you didn't know what to do.

480
00:37:50.639 --> 00:37:54.599
You were pissed off. Mark was
pissed off. He for some reason

481
00:37:54.760 --> 00:38:00.360
just believed you and took it from
there. Mark. It was when I

482
00:38:00.440 --> 00:38:02.000
found out the end of the story
and I, you know, we talked

483
00:38:02.000 --> 00:38:06.719
a little bit about it Friday,
but I wanted Ryan to come on and

484
00:38:06.840 --> 00:38:12.159
just verify everything I was saying actually
happened to him because it's so unbelievable.

485
00:38:12.360 --> 00:38:17.559
Plus we wanted to get the managing
partner, Funky Joe Medina on from Castle

486
00:38:17.679 --> 00:38:21.119
Rod, Jeep Dodge, whatever the
hell is doing, well, tell us

487
00:38:21.159 --> 00:38:23.039
what happened? What did you do
first? Mark? What did you have

488
00:38:23.159 --> 00:38:28.960
Ryan do well? I told Ryan
more than anything, what I needed was

489
00:38:29.039 --> 00:38:31.519
get me the information who he was
dealing with down there, and he got

490
00:38:31.559 --> 00:38:36.079
me. Joe Medeene, I believe
his first name is Joe, the managing

491
00:38:36.119 --> 00:38:38.320
partner. So I talked to him
and I kept telling Ryan, I kept

492
00:38:38.320 --> 00:38:42.440
pushing them. I said, you
got to have these guys put something in

493
00:38:42.519 --> 00:38:46.440
writing what happened and why it's not
under warranty. Put in writing that there's

494
00:38:46.519 --> 00:38:51.559
only three courts instead of just telling
you, put something in writing. So

495
00:38:51.840 --> 00:38:54.119
we can talk to an attorney and
figure out what the hell to do next.

496
00:38:54.320 --> 00:38:59.079
And he kept bugging them and bugging
them and got it escalated up to

497
00:38:59.199 --> 00:39:02.360
somebody that worked a Doves. Bottom
line, the guy that works that Dodge

498
00:39:02.400 --> 00:39:07.679
said, we're going to go ahead
and tear into the engine and make sure

499
00:39:07.719 --> 00:39:10.440
it wasn't a consumption problem, and
we'll go ahead and pay for that,

500
00:39:10.599 --> 00:39:15.000
but you're probably still not going to
get a warranty on the engine. So

501
00:39:15.639 --> 00:39:21.239
this guy brings it to a different
dealership, a Rappa ho who did a

502
00:39:21.239 --> 00:39:24.079
bang up job. And guess what, Tom, this is unbelievable. Not

503
00:39:24.159 --> 00:39:28.960
only did they lie about only three
quarts of oil in it, it was

504
00:39:29.079 --> 00:39:31.920
full of oil, but on top
being full of oil, the engine was

505
00:39:31.960 --> 00:39:37.400
in perfect shape. These guys lied
about the entire deal and tried to get

506
00:39:37.440 --> 00:39:43.800
them to buy a forty one thousand
dollars engine. Wait a minute, so

507
00:39:44.280 --> 00:39:47.960
are you saying it's now fixed?
And what was wrong it was? What

508
00:39:49.159 --> 00:39:51.320
was it? Not? The clutch
plate? What do they call it?

509
00:39:51.440 --> 00:39:54.559
Ryan? Yeah? It was the
flex plate? You're right, flexplate?

510
00:39:57.320 --> 00:40:00.039
Wow? So you believe it?
They had it fixed in a couple of

511
00:40:00.119 --> 00:40:05.679
days. I can't believe what ripoff. These people are Now I started thinking,

512
00:40:05.679 --> 00:40:08.000
Okay, anybody could make a mistake, But how do you tell the

513
00:40:08.039 --> 00:40:14.440
guy that there was only three course
of oil then void his warranty in the

514
00:40:14.519 --> 00:40:17.199
Dodge system And I got a screenshot
of it. They literally did it.

515
00:40:17.280 --> 00:40:22.920
I saw it firsthand. They avoided
the engine warranty on that vehicle right there

516
00:40:22.920 --> 00:40:25.840
in the dealership. How do you
do those two things? Try to sell

517
00:40:25.880 --> 00:40:30.360
them a forty one thousand dollars engine
on accident. Do you see anyway that's

518
00:40:30.400 --> 00:40:34.280
possible? Well, yeah, if
you want to be a liar and a

519
00:40:34.360 --> 00:40:37.239
cheater, I see where it's possible. I mean, could they be that

520
00:40:37.519 --> 00:40:40.880
stupid that it was a mistake?
Ryan? You either way, let's put

521
00:40:40.880 --> 00:40:45.880
it this way. Let's put it
this way. Either way, whether it

522
00:40:45.960 --> 00:40:52.199
was intentional or unintentional, why would
anyone in their right mind ever go to

523
00:40:52.400 --> 00:40:58.920
Castle Rock Chrysler Jeep whatever the hell
they're called, Chrysler Dodge Jeep. Listen,

524
00:40:59.159 --> 00:41:07.320
here's the deal. This is the
idiot funky Joe Medina in Castle Rock?

525
00:41:07.440 --> 00:41:10.239
Is that his name? He's the
general manager? Is it Joe Ryan

526
00:41:12.960 --> 00:41:20.159
Joe Jose? I think, oh
Jose, Well that's Joe Monkey Jose Medina,

527
00:41:20.719 --> 00:41:23.480
pull some accent, come to us
that I can, and we'll spend

528
00:41:23.519 --> 00:41:28.239
your money. I really like to
hear what you think about the whole thing.

529
00:41:28.239 --> 00:41:30.039
You're the one that dealt with all
these clowns. Yeah, Ryan,

530
00:41:30.320 --> 00:41:37.320
I'm looking. What's Yeah? I
just I think we brought the truck in

531
00:41:36.920 --> 00:41:42.880
the becher and knocking the engine basically
a doom. There was no oil in

532
00:41:42.960 --> 00:41:46.679
it. And threw his hands up
at that point. You know, if

533
00:41:46.719 --> 00:41:52.800
they would have spent the time actually
digging into the engine that they putting together

534
00:41:52.000 --> 00:41:59.599
to repair the actual truck, Funky
Jose Medina, you know it's pretty parent.

535
00:41:59.760 --> 00:42:01.400
You know, I was told that
engine pan was dropped and there was

536
00:42:01.440 --> 00:42:07.039
three courts of oil that never happened. In my opinion, I did that

537
00:42:07.239 --> 00:42:12.199
guy. He actually told him they
dropped the pan. A little media,

538
00:42:12.280 --> 00:42:16.840
you know what I'm telling you,
they better do something? Is foundation the

539
00:42:16.880 --> 00:42:21.280
owner of this place. A couple
of SIPs of this love. I'm not

540
00:42:21.559 --> 00:42:25.360
positive, man, I just don't
know for sure. We gotta get go

541
00:42:25.519 --> 00:42:30.280
above Funky Jose Medina's head. The
GM said he won't come on the air

542
00:42:30.360 --> 00:42:35.159
and address this. Why would he? He got caught red handed either,

543
00:42:35.519 --> 00:42:40.000
either they're stupid or they're cheaters.
Which one is it? Don't know what?

544
00:42:42.760 --> 00:42:47.800
Okay, well, funky Joe Medina
or Jose Medina. Oh, Ryan,

545
00:42:47.920 --> 00:42:51.840
I do want to say that a
rapa ho Dodge. Thank guys,

546
00:42:51.880 --> 00:42:54.960
these guys were honest and found the
right problem. Man, I can't believe

547
00:42:54.960 --> 00:43:00.039
it. Those tricksterres voided your warranty. Now, Ryan showed the photo.

548
00:43:00.119 --> 00:43:05.800
But they did, Man, they
killed your warranty on that engine nationwide.

549
00:43:05.920 --> 00:43:10.280
It's backed, by the way.
Now Ryan has his truck and it's completely

550
00:43:10.320 --> 00:43:15.440
fixed. Ryan, all right,
not only Hey, and poor Ryan walched

551
00:43:15.480 --> 00:43:20.239
his wife this year. Man's only
thing to do with it. But that's

552
00:43:20.360 --> 00:43:25.559
just you know, he's a single
Bye God everything you must all right now

553
00:43:25.599 --> 00:43:30.760
listen, I gotta drop off,
guys. I'm coming all right, Manner.

554
00:43:30.840 --> 00:43:35.320
Thank you Mark for chee, thank
you for working on and we definitely

555
00:43:35.400 --> 00:43:38.639
deserve this. The dinger goes to
Ryan today. Hey, Ryan, Mark

556
00:43:38.679 --> 00:43:42.599
too, So Ryan the man,
stay in touch with us. You got

557
00:43:42.639 --> 00:43:46.719
your truck, it's fixed. We
know better not to go to Castle Rock,

558
00:43:46.880 --> 00:43:53.599
whatever the hell it is Castle Rock. Chrysler Dodge Jeep at seven to

559
00:43:53.840 --> 00:44:01.320
zero seven three three seven zero zero
three don't. I mean, what excuse

560
00:44:01.360 --> 00:44:07.239
do they have? Either stupid or
they're lyars and sheeters? Which one is

561
00:44:07.280 --> 00:44:14.159
it? Which one? How do
you not fix that truck when the other

562
00:44:14.239 --> 00:44:19.719
dealer did and you wanted to spend
forty grand for this guy? Think about

563
00:44:19.760 --> 00:44:23.159
that? So we can I think
we can add that to our total that

564
00:44:23.199 --> 00:44:29.079
we have helped people with now on
cash, merchandise, exchanges, refunds,

565
00:44:29.119 --> 00:44:32.599
and services. So it does pay
to call the troubleshooter. It does pay.

566
00:44:34.760 --> 00:44:37.599
Three zero three seven one three talks
seven one three eight two five five.

567
00:44:38.079 --> 00:44:42.360
I love doing what I do.
Hey, renew Home Innovations loves it

568
00:44:42.400 --> 00:44:45.880
too. They love doing beautiful showers, beautiful shower conversions on that old ugly

569
00:44:46.000 --> 00:44:49.599
shub. You know what a shob
is. It's a town. It's a

570
00:44:49.639 --> 00:44:52.639
shower and a tub put together.
They're ugly, those old tubs. He

571
00:44:52.679 --> 00:44:55.480
takes them out, puts in a
beautiful new shower, stone walls, glass

572
00:44:55.519 --> 00:45:00.960
panels, no thresholds to stumble over, beautiful laid out exactly the way you

573
00:45:01.000 --> 00:45:05.280
want, perimeter drains, And here's
the deal. Two or three days and

574
00:45:05.360 --> 00:45:07.840
you have, guess what, seventy
two months to pay with no interests three

575
00:45:07.840 --> 00:45:16.239
oh three nine zero four to two
thousand. Go with a sure thing Denver's

576
00:45:16.280 --> 00:45:21.599
Best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

577
00:45:24.000 --> 00:45:28.159
Time for an insurance check up free, no obligation. In comparison,

578
00:45:28.320 --> 00:45:32.400
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

579
00:45:32.440 --> 00:45:36.519
now three oh three seven to seven
to one help. You'll think you're his

580
00:45:36.679 --> 00:45:39.639
only customer when you choose Frank durand
the real estate Man dot com to list

581
00:45:39.719 --> 00:45:49.119
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

582
00:45:52.280 --> 00:45:54.639
Hi Tom Arsino here three oh three
seven to one three talks seven one three

583
00:45:54.679 --> 00:45:58.920
eight two five five. Let's talk
to B. And then I want to

584
00:45:58.920 --> 00:46:01.599
go back to insurance because I do
have some questions that were texted into my

585
00:46:02.159 --> 00:46:07.760
Google number. Okay, ah,
B, what's going on? Okay?

586
00:46:07.840 --> 00:46:16.719
So I had to stay at an
r V UH trailer UH spots and they

587
00:46:17.239 --> 00:46:23.519
people live in their trailers. There's
trailers and RV's out there, and we

588
00:46:23.880 --> 00:46:27.280
I stayed there for a few months. Now, what do you mean you

589
00:46:27.320 --> 00:46:30.199
stayed there? Do you have do
you have an RVB? Yes, okay,

590
00:46:30.679 --> 00:46:34.719
okay, in a camper. So
what's the name of the place you

591
00:46:34.800 --> 00:46:39.719
stayed? Oh, gosh, Mountain
View at States in Colorado Springs, Mountain

592
00:46:39.760 --> 00:46:49.800
View Estates r V Park, Yes, okay, And what happened? So

593
00:46:51.000 --> 00:46:53.880
I never got a lease from them. The lady would never answer a phone.

594
00:46:54.039 --> 00:46:57.880
In no, no way. So
this wasn't like overnight. You're talking

595
00:46:57.920 --> 00:47:04.760
about a long term. Yeah,
from January, from April of last year

596
00:47:04.840 --> 00:47:08.400
to January of this year. And
it was that originally what you had planned

597
00:47:08.400 --> 00:47:14.400
to do. Yeah, okay,
it was a month to month, but

598
00:47:15.280 --> 00:47:19.119
I knew it was going to be
six months to a year. Okay,

599
00:47:19.280 --> 00:47:22.400
So anyway, what happened? So
you went from April to January twenty twenty

600
00:47:22.400 --> 00:47:30.000
four? What happened? I kept
asking her for lease, and like they

601
00:47:30.039 --> 00:47:34.119
would never answer their phone. They
always had a sign on the office.

602
00:47:35.400 --> 00:47:38.199
It was just a shady you know, it wasn't round properly. But anyway,

603
00:47:38.639 --> 00:47:43.840
they ended up getting a new person
in there because they said that she

604
00:47:43.920 --> 00:47:51.280
was still she was stealing from the
trailer park. And anyway, it took

605
00:47:51.440 --> 00:47:57.880
him. I gave my notice on
January third, and he goes, I'll

606
00:47:57.880 --> 00:48:01.719
give you the deposit after I get
the last billing from the utility company,

607
00:48:02.559 --> 00:48:08.320
and it took two months to get
that. But well, according to the

608
00:48:08.400 --> 00:48:14.199
check that he wrote, it took
two months, but we actually didn't get

609
00:48:14.280 --> 00:48:22.800
the deposit until three months later.
Did you get your full deposit? They

610
00:48:22.920 --> 00:48:25.280
kept a little bit because of the
YouTube. So what are you call it?

611
00:48:25.360 --> 00:48:28.320
Okay? So what are you calling
about? If you got most of

612
00:48:28.360 --> 00:48:30.639
your deposit back three months later?
What can we do for you? Yep?

613
00:48:32.239 --> 00:48:36.079
Because I want to know if that
was done in a timely manner.

614
00:48:36.559 --> 00:48:38.760
No, it wasn't. Probably,
But but you don't have anything. You

615
00:48:38.800 --> 00:48:45.039
don't have anything to Here's the way
the law reads. Okay, it has

616
00:48:45.079 --> 00:48:49.119
to be done in thirty days unless
you have a written lease extending it to

617
00:48:49.239 --> 00:48:53.840
sixty days. Okay. And it
wasn't done, okay, okay. So

618
00:48:54.320 --> 00:48:59.639
the fact that it wasn't done means
you have to write a demand letter and

619
00:48:59.679 --> 00:49:01.559
then if they don't do it,
then you can sue for treble damages.

620
00:49:01.880 --> 00:49:07.360
But you didn't do any of that. You just waited. Now, I

621
00:49:07.360 --> 00:49:10.679
don't know. I don't know the
answer to this, really, b I

622
00:49:10.719 --> 00:49:15.760
don't know. If you didn't take
action and they sent it late, do

623
00:49:15.840 --> 00:49:22.280
you still have damages. I don't
really know. I think you need to

624
00:49:22.320 --> 00:49:28.159
give them notice. Then they refuse
that notice, or they ignore that notice,

625
00:49:28.400 --> 00:49:30.239
then you see them. I don't
know though, I really don't know

626
00:49:30.320 --> 00:49:36.199
the exact and I don't know that
either because we never got the lease,

627
00:49:36.360 --> 00:49:38.559
or we can try to find out, you know what, as I said,

628
00:49:39.199 --> 00:49:45.440
Brad O'Brien might know that. What's
far Well, it doesn't matter if

629
00:49:45.440 --> 00:49:51.960
they're statutory damages. For example,
doc, if a landlord does not return

630
00:49:52.000 --> 00:49:58.440
your deposit within the statutory timeframe,
which is thirty days or sixty days,

631
00:49:59.079 --> 00:50:05.840
depending on the lease, then they
can be sued for trouble damages. And

632
00:50:06.039 --> 00:50:09.360
I don't you don't have to really
show damages. But in this case,

633
00:50:10.000 --> 00:50:15.840
she never made a demand. Now
they sent it late, but she never

634
00:50:15.880 --> 00:50:21.639
made a demand a demand in writing? In writing, did you make it?

635
00:50:21.679 --> 00:50:23.840
Okay? So they're going to say
you didn't make a demand. Okay,

636
00:50:23.880 --> 00:50:28.239
they're going to say they simply sent
it to you. And can you

637
00:50:28.280 --> 00:50:34.679
even prove when you got it?
No, because that's the thing I've got.

638
00:50:34.840 --> 00:50:38.599
Well, I do have the stamp
envelope, but they wrote the check

639
00:50:38.880 --> 00:50:45.199
in uh, the letter saying we
took blah blah blah for the uh and

640
00:50:45.239 --> 00:50:51.400
what is that letter dated? What
is that it was on March the third.

641
00:50:51.960 --> 00:50:54.480
That doesn't tell me what was the
letter dated? Within sixty or thirty

642
00:50:54.559 --> 00:51:06.000
days? Well, yes, for
them, but the envelope is stamped after

643
00:51:06.239 --> 00:51:10.239
sixty days. Okay, okay,
okay, then it's all going to be

644
00:51:10.280 --> 00:51:15.519
a matter of proof. Be and
you never asked, you never made demand

645
00:51:15.000 --> 00:51:20.239
the losses you have to make demand, And so I don't know what happens.

646
00:51:20.519 --> 00:51:22.280
Try soon, I'm a small claims
court. What the hell I mean,

647
00:51:22.280 --> 00:51:25.880
it's fifty bucks and tell them you
on treble damages because they kept your

648
00:51:25.880 --> 00:51:30.920
deposit too long. See what the
court says. I mean, I think,

649
00:51:31.639 --> 00:51:35.440
And I don't mind getting Brad O'Brien
on if he was willing to come

650
00:51:35.480 --> 00:51:37.360
on for this find out Kelly.
If he wants to come on and answer

651
00:51:37.360 --> 00:51:42.039
that, she can just listen and
find out. If they technically sent it

652
00:51:42.119 --> 00:51:46.440
late and she had never made action
or took action, can she go back

653
00:51:46.480 --> 00:51:50.199
and get treble damages just for the
hell of it. I don't know.

654
00:51:50.320 --> 00:51:52.719
The answer might be yes. We'll
try to get him on to answer that.

655
00:51:53.400 --> 00:51:57.559
So, yeah, but they were
supposed to do it in a timely

656
00:51:57.639 --> 00:52:01.800
fashion. Three h three seven one
three talk three oh three seven to one

657
00:52:01.920 --> 00:52:08.639
three eight two five five. Now
we're going talking to Brian Burns's Compans's insurance.

658
00:52:08.719 --> 00:52:12.960
In addition to having them here today, we like to do insurance checkups.

659
00:52:13.480 --> 00:52:16.920
Now. An insurance checkup is where
you call in and tell them what

660
00:52:16.960 --> 00:52:22.159
you have for coverage, and then
they quote several different companies to see if

661
00:52:22.199 --> 00:52:25.840
you can get better coverage for low
money or the same coverage for lower money.

662
00:52:27.679 --> 00:52:30.280
Now, there's a few things I
want to talk about when it comes

663
00:52:30.320 --> 00:52:36.960
to insurance, and one of those
is do you know that according to a

664
00:52:37.039 --> 00:52:44.599
re survey, there are twelve percent
of people who own homes have dropped their

665
00:52:44.639 --> 00:52:50.000
insurance totally. It's a trend around
the country. Now, I thought if

666
00:52:50.039 --> 00:52:52.440
you had a mortgage, Yeah,
you couldn't do it if you have a

667
00:52:52.480 --> 00:52:54.280
mortgage. So you're talking about people
that own it, says here. According

668
00:52:54.320 --> 00:53:00.039
to a recent study from the Insurance
Information Institute, twelve percent of Americans have

669
00:53:00.320 --> 00:53:08.360
zero insurance on their homes. It's
the highest level of uninsured homeowners in recent

670
00:53:08.480 --> 00:53:14.880
history. Again, I still would
say that it would have to equate to

671
00:53:14.880 --> 00:53:21.760
people that higher premiums, higher deductibles, lower coverages, that insurance premiums have

672
00:53:21.880 --> 00:53:27.519
doubled or tripled over the last three
to five years, and people, and

673
00:53:27.599 --> 00:53:34.000
it says, oh, forty percent
of Americans own their homes outright, and

674
00:53:34.159 --> 00:53:37.519
so I don't know if it's twelve
percent of those or twelve percent of all

675
00:53:37.559 --> 00:53:40.840
overall. I don't know, but
it just says so obviously, when you

676
00:53:42.000 --> 00:53:45.559
own your home outright, there's no
one that tells you you must have insurance.

677
00:53:45.639 --> 00:53:49.119
Absolutely, Yeah, it's your choice
at that point if you're just taking

678
00:53:49.159 --> 00:53:52.400
on the risk. Yeah, but
you have that right to not ensure.

679
00:53:53.000 --> 00:53:58.800
It's not like auto insurance where you
are forced to carry liability because you're covering

680
00:53:58.880 --> 00:54:02.440
other people liability. Can you if
I wanted to ensure my home just for

681
00:54:02.519 --> 00:54:08.760
liability, can I do that?
You could get maybe like a renter's insurance

682
00:54:08.800 --> 00:54:15.119
policy, something really doesn't cover your
actual structure and it includes liability, you

683
00:54:15.159 --> 00:54:20.079
know, like an umbrella. They
require you to have underlying limits, underlying

684
00:54:20.119 --> 00:54:22.760
liability limits, So you would have
to have some kind of underlying limit for

685
00:54:22.960 --> 00:54:30.480
liability for your umbrella to extend.
But as far as a home, if

686
00:54:30.519 --> 00:54:35.159
it gets ridiculous, let's say you
don't want to ensure for full value.

687
00:54:35.199 --> 00:54:39.639
Is that even an option? No, because insurance well preferred carriers. There's

688
00:54:39.719 --> 00:54:43.480
companies out there that would do it. But if you want like a preferred

689
00:54:43.559 --> 00:54:47.079
carrier, they're going to at least
require you to ensure it for what replacement

690
00:54:47.159 --> 00:54:52.719
cost is. But what you can
do is carry really high deductibles and that

691
00:54:52.800 --> 00:54:55.360
does bring the rate down a lot. I mean, if you're if you're

692
00:54:55.360 --> 00:55:00.599
getting to the point where you're carrying
a five percent win in hit deductible,

693
00:55:00.639 --> 00:55:04.360
you're basically saying, if it's a
wind or hail claim, I won't make

694
00:55:04.400 --> 00:55:08.480
a claim like on this house.
We're the home studios. There's no I

695
00:55:08.519 --> 00:55:14.639
can't think of any peril right now
except total loss from a fire. Water

696
00:55:15.360 --> 00:55:16.719
where but okay, we have a
creak in the back here. No,

697
00:55:16.880 --> 00:55:22.000
no, I'm saying a broken pipe. Oh, that's definitely a very common

698
00:55:22.039 --> 00:55:27.519
claim. Okay, yep, so
water and fire, obviously, the most

699
00:55:27.559 --> 00:55:30.079
common is going to be wind or
hail. That's that's the biggest losses here

700
00:55:30.079 --> 00:55:34.599
in Colorado. Is so is my
I don't know, is my roof considered

701
00:55:34.599 --> 00:55:36.760
a hailproof? Do I get a
discount? Because yeah, you get a

702
00:55:36.760 --> 00:55:39.039
discount, and you can carry a
much higher deductible because of that. And

703
00:55:39.119 --> 00:55:45.480
I would tell people if you have
a roof that is able to withstand wind

704
00:55:45.519 --> 00:55:50.039
or hill, concrete tile, whatever
that might be, then it behooves you

705
00:55:50.079 --> 00:55:52.440
to carry a much higher deductible because
you're not going to make a claim in

706
00:55:53.000 --> 00:55:57.000
most No, I mean I'm going
to make a climb. I'm not even

707
00:55:57.480 --> 00:56:00.079
yeah, I mean for it to
ruin a roof like this one, there's

708
00:56:00.159 --> 00:56:05.800
big giant tile it would have.
It has to be humongous hails, humongous

709
00:56:05.840 --> 00:56:07.480
hale at that point, yep.
And even then with tile, a lot

710
00:56:07.519 --> 00:56:12.079
of times you would replace individual tiles
that are damaged. If it destroyed the

711
00:56:12.079 --> 00:56:15.400
whole roof, yeah, then you're
talking about an enormous amount of money that

712
00:56:15.440 --> 00:56:19.639
you're going to pay, and all
of a sudden, the one percent deductible

713
00:56:19.719 --> 00:56:23.599
or whatever you have is no longer
as you know. It at least makes

714
00:56:23.639 --> 00:56:27.280
sense. You're like, Okay,
I anticipating in it. But but I

715
00:56:27.320 --> 00:56:30.239
mean people are making sure. I
find it impossible to believe. But people

716
00:56:30.280 --> 00:56:32.239
are saying, I'm not going to
buy insurance, the hell with you?

717
00:56:32.320 --> 00:56:37.039
All? Yeah? Yeah, well
again, yeah, but if you have

718
00:56:37.320 --> 00:56:42.159
a mortgage, then they're going to
put force Place insurance, which is substantially

719
00:56:42.199 --> 00:56:46.840
more expensive and has less coverage.
And Force Place insurance people, is only

720
00:56:46.880 --> 00:56:51.000
to cover the mortgage. That's right. It's none of your personal belong there,

721
00:56:51.239 --> 00:56:54.960
and it really is just to help
them if something happens. Yeah,

722
00:56:55.079 --> 00:57:00.760
so we have open lines for the
first time this morning. Three oh three

723
00:57:00.800 --> 00:57:05.280
seven one three talk three all three
seven one three a two five five.

724
00:57:08.480 --> 00:57:13.760
Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't

725
00:57:13.800 --> 00:57:20.599
pay a cent until you're content,
wait time for an insurance check up free,

726
00:57:20.679 --> 00:57:24.199
no obligation. In comparison, call
Compass Insurance paying too much your coverage

727
00:57:24.239 --> 00:57:29.440
at dozens of insurance companies find out
now three all three seven seven one help.

728
00:57:29.599 --> 00:57:32.199
You'll think you're his only customer when
you choose Frank durand the real estate

729
00:57:32.239 --> 00:57:37.639
Man dot com to list your home
with Remax Alliance three all three nine two

730
00:57:37.719 --> 00:57:46.519
zero sixteen twenty two. Hi,
tell Martino you're troubleshooter. Three oh three

731
00:57:46.599 --> 00:57:52.440
seven one three talk three oh three
seven one three eight two five five.

732
00:57:52.239 --> 00:57:59.159
Okay, uh, let's go back
to the phones here and oh well,

733
00:57:59.239 --> 00:58:02.280
we don't have uh, we don't
have our expert. He's in court,

734
00:58:02.320 --> 00:58:06.480
so we're not going to be able
to get someone on for b But it

735
00:58:06.480 --> 00:58:12.119
brings up a good question. If
you don't bring action or they mail your

736
00:58:12.159 --> 00:58:15.559
deposit before you bring action, you
have your deposit, what are you going

737
00:58:15.599 --> 00:58:17.639
to sue for? And we're going
to talk about that now. When it

738
00:58:17.679 --> 00:58:22.559
comes to insurance and dropping insurance,
there is no law that requires people to

739
00:58:22.559 --> 00:58:25.440
have insurance, not even liability right, not like in a car. So

740
00:58:27.280 --> 00:58:30.480
if they have a home, they
it's possible, and if they own it,

741
00:58:30.559 --> 00:58:34.320
they don't have to they don't have
to have any insurance. Yeah,

742
00:58:34.440 --> 00:58:37.199
yep, nope, they can.
I mean we'd call that self insurance.

743
00:58:37.320 --> 00:58:39.920
You're you're just taking on the risk
yourself. Now, if they have a

744
00:58:40.039 --> 00:58:44.800
roof damage or something that's thousands of
dollars, they're obviously not going to be

745
00:58:44.800 --> 00:58:47.800
able to afford it, right Well, or maybe they do have the money

746
00:58:47.840 --> 00:58:52.440
and they just said I I'd rather
take the risk and you know, gamble

747
00:58:52.480 --> 00:58:54.840
a little bit on it, or
like you said, they just can't afford

748
00:58:54.880 --> 00:58:59.800
insurance. It's one of the two. Either they just think it's it's outrageously

749
00:59:00.280 --> 00:59:02.880
and they don't think it's worth the
money, or they don't have enough money

750
00:59:02.920 --> 00:59:07.280
to pay for the insurance. Do
you actually know of clients right now who

751
00:59:07.280 --> 00:59:10.960
have dropped insurance? Yep, I
do. I Oh my god, I

752
00:59:12.199 --> 00:59:15.239
know. And sometimes the one I
can think of off the top of my

753
00:59:15.320 --> 00:59:20.440
head, it's because they were in
a fire risk area and it actually was.

754
00:59:20.639 --> 00:59:27.000
It was a town home that the
HOA disbanded because they could not get

755
00:59:27.320 --> 00:59:30.360
homeowner's insurance for the actual structures.
So they just said, everybody has to

756
00:59:30.360 --> 00:59:35.639
get their own insurance. And I
did find an option, but it was

757
00:59:35.800 --> 00:59:40.960
expensive, really expensive, and they
they opted to They own that house outright,

758
00:59:42.119 --> 00:59:45.199
and they opted to just take the
risk. And they said, they're

759
00:59:45.360 --> 00:59:47.400
you know, they understand that if
a fire comes through there or anything else

760
00:59:47.440 --> 00:59:52.519
happens to the structure, they don't
have any insurance coverage, they are going

761
00:59:52.599 --> 00:59:55.440
to have to pay it on their
own. So I do I And I

762
00:59:55.519 --> 00:59:59.000
hear people all the time say,
you know, I'm going to have to

763
00:59:59.119 --> 01:00:01.159
just I'm not going to be to
afford insurance. And I feel terrible for

764
01:00:01.239 --> 01:00:05.599
them, you know, I get
it. The rates are going up at

765
01:00:05.679 --> 01:00:08.679
just such a you know, an
amazing level right now. All right,

766
01:00:08.760 --> 01:00:15.239
I'm gonna just heads up there,
Shannon. I'll be calling somebody for on

767
01:00:15.320 --> 01:00:19.880
my local phone here because they have
a problem and I can get them on

768
01:00:20.000 --> 01:00:25.840
easier at this point. But in
any case, here's the deal. There

769
01:00:25.920 --> 01:00:34.800
are listening to this one some Supreme
Court decisions that are massively going to affect

770
01:00:34.880 --> 01:00:39.880
us, I mean massively. And
one has to do with the administ the

771
01:00:39.960 --> 01:00:46.559
administrative powers of agencies being able to
make law. Many agencies, including the

772
01:00:46.599 --> 01:00:52.280
I R S would interpret laws and
actually not so much even interpret them,

773
01:00:52.599 --> 01:00:58.679
but like the FAA, the I
R S, the oh, there's so

774
01:00:58.800 --> 01:01:00.599
many osha, I mean, my
god, it goes on and on and

775
01:01:00.639 --> 01:01:07.599
on and on and on. What
they literally have done was they became almost

776
01:01:07.159 --> 01:01:13.559
they don't call them laws, they
call them rules, rule making entities.

777
01:01:14.679 --> 01:01:19.400
In the securities business, there are
a ton of rules that have that never

778
01:01:19.559 --> 01:01:27.639
went through Congress, the rules how
your money's managed. Now, the Supreme

779
01:01:27.679 --> 01:01:36.599
Court basically said that agencies can no
longer do that. They cannot make administrative

780
01:01:36.679 --> 01:01:40.199
law. I mean, this is
an amazing I mean, well, they

781
01:01:40.239 --> 01:01:47.400
can attempt to, but then you
can take them to court and by precedent

782
01:01:47.519 --> 01:01:54.679
win. There it was called what
was it called something, It's called the

783
01:01:54.760 --> 01:02:00.960
Chevron rules, Chevron deference. Right, Yeah, but Tom different. I

784
01:02:00.000 --> 01:02:05.960
thought the way it came down was
that if there was a question about the

785
01:02:06.039 --> 01:02:12.440
interpretation, the interpretation of a law, then the agency was the final arbiter

786
01:02:12.519 --> 01:02:15.880
of it. And now, yeah, well yes, in their rule,

787
01:02:15.000 --> 01:02:19.280
that's right, they would make rules
based on what they thought was was the

788
01:02:19.320 --> 01:02:23.400
statutory right. They would make decisions. And now these rules said the decision

789
01:02:23.920 --> 01:02:28.239
is up to the court, not
to the agency. That's right, that's

790
01:02:28.360 --> 01:02:34.519
right. And what they used to
do is give preference to that. They

791
01:02:34.559 --> 01:02:39.079
would give preference to the federal agencies. Right, it wasn't even preference,

792
01:02:39.079 --> 01:02:43.199
it was a final decision. Was
that what I mean? That's what I

793
01:02:43.199 --> 01:02:46.239
mean when it came to the final
decision, exactly if you disagreed, they

794
01:02:46.400 --> 01:02:51.880
they got to decide. And so
it was it was kind of like almost

795
01:02:51.960 --> 01:02:55.960
legislative and in its and it's an
effect. So right now there is going

796
01:02:57.039 --> 01:03:01.400
to be a major change because before
well like if you disagree with an enforcement

797
01:03:01.440 --> 01:03:07.519
action of an agency, you can
simply say we disagree, and no longer,

798
01:03:08.119 --> 01:03:14.639
no longer is it automatic through an
administrative judge or a hearing within that

799
01:03:14.880 --> 01:03:20.679
agency. Can that agency say nope, we're right. They can't. They

800
01:03:20.719 --> 01:03:23.000
can't determine if they're right or wrong. They used to be able to determine

801
01:03:23.039 --> 01:03:27.559
if they're right or wrong. Now
will this clog up the course? Many

802
01:03:27.760 --> 01:03:30.719
liberals and I'm only saying that because
it's a fact, are arguing it was

803
01:03:30.760 --> 01:03:37.440
a bad choice because it will tie
up the courts. And others are saying,

804
01:03:37.480 --> 01:03:39.880
no, it will not tie up
the courts. It'll just curtail federal

805
01:03:39.920 --> 01:03:45.559
government the way it should have been
to begin with. But I think this

806
01:03:45.639 --> 01:03:52.400
is drawing distinct political lines. With
all of these recent decisions, including one

807
01:03:52.559 --> 01:03:59.880
on homeless camps. For example,
I don't understand the Supreme Court is saying

808
01:04:00.880 --> 01:04:05.360
that cities can ban homeless camps.
Okay, so again taking away from the

809
01:04:05.400 --> 01:04:15.239
federal government. If you notice the
trend of the Supreme Court, it's diminishing

810
01:04:15.280 --> 01:04:21.360
the power of the federal government in
favor of local governments. Do you notice

811
01:04:21.400 --> 01:04:29.400
that forcing a tenth Amendment? Do
you agree though that in general? Well,

812
01:04:29.719 --> 01:04:34.079
I think that if I'm a strong
constitutionalist, So the Tenth Amendment says,

813
01:04:34.400 --> 01:04:40.239
if it's not specifically delegated to the
federal government, that's right, and

814
01:04:40.599 --> 01:04:45.480
other issues are up to the states
to determine. That's unless that's right.

815
01:04:45.559 --> 01:04:48.480
And then if it's unconstitutional on the
state level, right, well that's different,

816
01:04:48.760 --> 01:04:55.440
that's right. That's where the federal
government and your constitutionalists theory would take

817
01:04:55.480 --> 01:04:59.639
over. If so, they're not
saying the states can do anything they want,

818
01:05:00.039 --> 01:05:05.079
because Biden made a stupid remark in
his debate saying, what if they

819
01:05:05.159 --> 01:05:10.199
turned civil rights over to local states. Well, what he was implying is

820
01:05:10.239 --> 01:05:15.400
that some states would have still been
in favor of unconf of well, let's

821
01:05:15.440 --> 01:05:18.280
say, just say slavery. He
didn't say that, but what he meant

822
01:05:18.400 --> 01:05:24.880
was civil rights are federally protected.
Yes they are, but so are all

823
01:05:25.000 --> 01:05:30.480
rights federally protected. So if a
state rules something and the federal government says

824
01:05:30.480 --> 01:05:35.280
it's unconstitutional even though it's a state
law, that doesn't mean it'll be enforced.

825
01:05:35.480 --> 01:05:40.760
Correct. So it's really the way
it should be. It's the way

826
01:05:40.760 --> 01:05:46.119
the country was founded. But for
some reason, the liberal philosophy nowadays is

827
01:05:46.480 --> 01:05:53.800
big federal government. Let the federal
government make all of our decisions. They

828
01:05:53.880 --> 01:06:00.480
do not trust people to rule and
govern themselves. What is a better definition

829
01:06:00.840 --> 01:06:05.159
of a threat to democracy. They're
the ones, the ones who are saying

830
01:06:05.199 --> 01:06:12.920
that Trump poses the biggest threat to
democracy. Those people are actually the bigger

831
01:06:12.960 --> 01:06:18.079
threat to democracy. They're saying that
individual states and cities and municipalities, we

832
01:06:18.440 --> 01:06:24.000
do not know enough to govern ourselves. You must leave it to the federal

833
01:06:24.079 --> 01:06:29.039
bureaucrats to tell us how to live. That is what they're saying, and

834
01:06:29.079 --> 01:06:33.519
that goes with everything right down to
vaccinations. They are all for big government,

835
01:06:34.440 --> 01:06:41.119
less individual rights, less, not
more, less individual rights. You

836
01:06:41.199 --> 01:06:45.679
notice that the right to privacy that
they use for abortion, they never brought

837
01:06:45.800 --> 01:06:50.039
up when it came to vaccinations.
Why is that? Why is that?

838
01:06:53.039 --> 01:06:58.719
You know, it's amazing to me. I just don't believe it. I

839
01:06:58.760 --> 01:07:04.000
don't believe what they stand for.
Big government, big pharma, no individual

840
01:07:04.119 --> 01:07:13.079
rights, and even censorship that's all
acceptable now in certain political circles because they

841
01:07:13.079 --> 01:07:17.199
don't trust people to make decisions and
choices on their own. Well, Tom,

842
01:07:17.239 --> 01:07:21.880
you know, when Bill Maher starts
to complain about the progressive movement,

843
01:07:23.199 --> 01:07:25.719
you know they've gone through years.
What I don't like, Okayne, I

844
01:07:25.760 --> 01:07:30.000
don't like the idea that they think
hate speech should be barred. I don't

845
01:07:30.000 --> 01:07:32.280
think hate speech should be barred at
all. I'm not in agreement with it,

846
01:07:32.880 --> 01:07:39.079
but don't you think we as people, if we see something hateful,

847
01:07:39.119 --> 01:07:42.159
it's like we're gonna turn hateful.
Come on, well, you know,

848
01:07:42.280 --> 01:07:45.599
I don't know who said it,
but you know the classic line, which

849
01:07:45.639 --> 01:07:49.639
I believe in, is the only
defense against hate speech is more speech.

850
01:07:50.239 --> 01:07:54.360
Anyway, we gotta take a break. Three all three seven to one three

851
01:07:54.400 --> 01:07:57.480
talks seven one three eight two five
five. Donna has a question for Compass.

852
01:07:57.480 --> 01:08:00.519
Donna, please hang on. We'll
come right back to you and more.

853
01:08:03.679 --> 01:08:08.719
Go with a sure thing Denver's best
roofer Excel roofing dot com. You

854
01:08:08.760 --> 01:08:15.800
don't pay a cent until you're content. Wait time for an insurance checkup free

855
01:08:15.880 --> 01:08:20.479
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

856
01:08:20.520 --> 01:08:24.640
companies find out now three all three
seven to seven to one. Help.

857
01:08:24.800 --> 01:08:28.600
You'll think you're his only customer when
you choose Frank durand the real estate Man

858
01:08:28.640 --> 01:08:32.079
dot com to list your home with
Remax Alliance three all three nine two zero

859
01:08:32.239 --> 01:08:40.520
sixteen twenty two. Hi Tom Martino
here, three oh three seven to one

860
01:08:40.600 --> 01:08:43.680
three talk. Let's go to the
phones and talk to. Donna has a

861
01:08:43.760 --> 01:08:49.359
question for Compass Insurance Group. Go
ahead, Donna, Hi. The answer

862
01:08:49.399 --> 01:08:54.960
is it's probably very obvious, but
I'm old and I can't see it.

863
01:08:56.560 --> 01:09:01.840
Frior to hellowner's insurance. There was
just fire and years ago, years ago,

864
01:09:01.960 --> 01:09:05.840
fire and dwelling. But it was
it well, yeah, that was

865
01:09:06.319 --> 01:09:11.119
a nickname right mainly. But well
it's called a dwelling fire policy. Yes,

866
01:09:11.199 --> 01:09:14.279
but do they also have liability tied
to it or not? Yeah,

867
01:09:14.319 --> 01:09:16.800
there's liability on them. Yeah,
So why did they Why was it called

868
01:09:16.840 --> 01:09:20.840
fire and dwelling. It just wasn't
as encompassing. It was just an outdated

869
01:09:20.880 --> 01:09:25.319
policy. They still have them for
rental homes. They still use that same

870
01:09:25.359 --> 01:09:29.279
form. So what does it not
cover? It doesn't cover. It's not

871
01:09:29.319 --> 01:09:32.439
a comprehensive it's not like where you
would becover for everything except for what's excluded

872
01:09:32.680 --> 01:09:36.439
that. They don't offer a policy
like that. And it's personal liability on

873
01:09:36.479 --> 01:09:42.039
a home owner policy as opposed to
premise liability on a dwelling fire. So

874
01:09:42.119 --> 01:09:45.840
it's only covering liability at the home
itself, whereas personal liability call as you

875
01:09:45.880 --> 01:09:49.359
wherever you go. Yeah, So
Donna, you bring up a good point.

876
01:09:50.239 --> 01:09:55.880
Do they still offer it would be
substantially cheaper. Well, my question

877
01:09:56.039 --> 01:10:01.560
is I own my home and I
have homeowners no mortgage, and I own

878
01:10:01.600 --> 01:10:08.720
a rental no mortgage, and it's
probably worth two hundred thousand dollars more than

879
01:10:08.800 --> 01:10:15.199
my house. Now. The insurance
on my house HMO is fifty one dollars

880
01:10:15.520 --> 01:10:23.119
here, and when I had the
rough replace, I had to come up

881
01:10:23.159 --> 01:10:29.359
with seven thousand dollars ridiculous and that
also included an upgrade to hal resistance.

882
01:10:30.920 --> 01:10:36.079
I have everything I have in my
house. Most everything is antiques from family

883
01:10:36.119 --> 01:10:41.199
members, none of my ex So
what what is your question though, because

884
01:10:41.199 --> 01:10:45.359
we want to answer it. Okay, well, I'll get to it everything

885
01:10:45.439 --> 01:10:47.960
well hold on, wait, okay, okay there, hold on. Really

886
01:10:48.000 --> 01:10:50.199
I want to get to your question, and we do want to answer it.

887
01:10:50.479 --> 01:10:54.359
I think she's bringing up some good
points, but we have to take

888
01:10:54.399 --> 01:11:00.119
this break. I'm sorry, I'm
fined by the clock. Go with a

889
01:11:00.199 --> 01:11:03.520
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

890
01:11:03.720 --> 01:11:11.520
until you're content, leave time for
an insurance check up free, no obligation.

891
01:11:11.640 --> 01:11:15.960
Comparison call compass insurance paying too much
your coverage at dozens of insurance companies.

892
01:11:16.039 --> 01:11:19.239
Find out now three all three seven
seven to one help. You'll think

893
01:11:19.279 --> 01:11:24.279
you're his only customer when you choose
Frank durand the real estate man dot com

894
01:11:24.319 --> 01:11:29.000
to list your home with Remax Alliance
three all three nine two zero sixteen twenty

895
01:11:29.000 --> 01:11:44.000
two. Yeah, ripped of news
need so you don't have come runs fast

896
01:11:44.039 --> 01:11:50.680
as you can show Shooter's gonna help
come Man six is the Troubleshooter Show.

897
01:11:51.079 --> 01:11:56.920
No Tom Martino, Hi, Tom
Martino here, Welcome to the show.

898
01:11:57.000 --> 01:12:00.560
Got compass insurance group with us and
anything you want to t talk about give

899
01:12:00.640 --> 01:12:01.960
us a call. And one thing
I must urge you if you have a

900
01:12:02.000 --> 01:12:05.560
problem, don't let it wait.
The longer you wait, the worse it

901
01:12:05.600 --> 01:12:08.960
gets. And by the way,
waterpros dot net, if you want a

902
01:12:09.000 --> 01:12:12.560
whole house of softened water, by
the way, your laundry will almost get

903
01:12:12.560 --> 01:12:15.239
cleaned without detergent. I'm not kidding
you, by the way, and it'll

904
01:12:15.279 --> 01:12:16.520
be cleaner, better for your price, better for you, better for your

905
01:12:16.560 --> 01:12:20.399
skin. Waterpros dot net they have
systems for the whole house at thirty four

906
01:12:20.479 --> 01:12:24.199
hundred. You can't even touch that
with a plumber three oh three, eight,

907
01:12:24.359 --> 01:12:27.039
six, two five, five y
five four. Donna has a question

908
01:12:27.079 --> 01:12:30.199
for compass insurance. We started out
by talking about something cold. What is

909
01:12:30.199 --> 01:12:33.960
it, Brian? What is that
insurance called a dwelling fire versus the homeowner

910
01:12:33.960 --> 01:12:39.840
policy? So an HL policy is
more comprehensive. You have liability of personal

911
01:12:39.880 --> 01:12:43.840
off premiseage and off premises coverage,
you have all kinds of stuff. They've

912
01:12:43.960 --> 01:12:46.199
enhanced it over the years. But
now that things are getting more expensive,

913
01:12:46.680 --> 01:12:50.560
is it possible they're going to come
out with very basic coverages because if they

914
01:12:50.640 --> 01:12:56.039
don't, it's going to become cost
prohibitive. Do you think they'll do away

915
01:12:56.079 --> 01:12:59.680
with a lot of the off premises
coverage, a lot of the personal liabilities

916
01:12:59.840 --> 01:13:04.359
and have basic policies show because the
bulk of the cost of the homeowner policy

917
01:13:04.439 --> 01:13:09.119
is because of the dwelling, because
of wind and hail. Honestly here in

918
01:13:09.199 --> 01:13:14.119
Colorado at least, so you will
find what they'll do is they'll keep raising

919
01:13:14.159 --> 01:13:17.399
deductibles or make ACV on the roof. They're going to continue to do things

920
01:13:17.800 --> 01:13:21.479
that are going to cut down on
the bulk of their lawsuit. I want

921
01:13:21.479 --> 01:13:26.239
to talk to Donna. Donna,
go ahead, what is your what is

922
01:13:26.279 --> 01:13:32.239
your question? My question is on
the home where I live. My insurance

923
01:13:32.319 --> 01:13:36.279
is fifty one dollars a year,
as I said, and I had to

924
01:13:36.279 --> 01:13:43.880
come up with seven thousand dollars to
replace my rook. On the rental the

925
01:13:43.920 --> 01:13:48.159
insurance is twelve hundred dollars a year, and I didn't have to come up

926
01:13:48.199 --> 01:13:55.439
with a penny to replace the rook
in my home. I have nothing of

927
01:13:55.680 --> 01:14:04.199
value except sentimental except appliance. Would
it behooves me? I get a dwelling

928
01:14:04.239 --> 01:14:10.000
and fire on my home instead and
save pocket the money? Can you do

929
01:14:10.119 --> 01:14:13.520
that, Brian? And will it
save her money? You can? There's

930
01:14:13.600 --> 01:14:15.439
companies that will offer you you can
you can do. I can think of

931
01:14:15.479 --> 01:14:19.359
a company we have right now that
will allow you to write a dwelling fire

932
01:14:19.720 --> 01:14:25.479
on a primary or occupied home.
But the rate isn't that much better and

933
01:14:25.520 --> 01:14:29.439
the coverage is terrible. So I
don't the twelve hundred dollars with no deductible.

934
01:14:29.520 --> 01:14:32.760
I don't know what kind of policy
that is because I know who's a

935
01:14:32.760 --> 01:14:41.119
carrier on that Hartford on both of
them, and the dwelling fire is covering

936
01:14:41.520 --> 01:14:46.399
the structure, but there's no deductible, right, Yeah, I've never seen

937
01:14:46.439 --> 01:14:48.760
that. Wait, wait a minute, Wait a minute, you're telling me

938
01:14:49.239 --> 01:14:55.119
on that rental you have the Hartford
and you have something called dwelling and fire

939
01:14:55.640 --> 01:15:00.720
and when the roof was destroyed,
you did not have have a penny out

940
01:15:00.720 --> 01:15:05.239
of pocket, not a penny,
not an I could you? I really

941
01:15:05.319 --> 01:15:10.920
want to explore this. Is it
possible? Would you mind if you gave

942
01:15:11.000 --> 01:15:15.000
us a copy, not a declaration
page? Yeah, something like that.

943
01:15:15.319 --> 01:15:18.640
I just want to I just want
to explore it for myself. Okay,

944
01:15:19.119 --> 01:15:25.000
but it happened five years ago,
so I've I've saw away my policies as

945
01:15:25.039 --> 01:15:28.760
they expire. But do you have
one? Now? What do you have

946
01:15:28.840 --> 01:15:34.239
now on that rental? I've had
it all these years, you still have

947
01:15:34.359 --> 01:15:41.000
it, but you still have the
same policy. Yeah, I've had Hartford

948
01:15:41.199 --> 01:15:45.039
for probably twenty years. Yeah,
I'd love to look at the actual declaration

949
01:15:45.119 --> 01:15:49.479
page for that rental property. Even
though that was five years ago, it

950
01:15:49.880 --> 01:15:53.960
should be renewing now. Things might
have changed on it. I get you,

951
01:15:54.520 --> 01:15:56.520
but I'd be happy to look at
it. Be kind of fun to

952
01:15:56.560 --> 01:16:01.079
look at. Okay, Yeah,
yeah, I think it's incredible. I

953
01:16:01.119 --> 01:16:08.319
mean, so, what do you
think your opinion about if I should just

954
01:16:08.359 --> 01:16:14.560
go with fire and dwelling on my
personal home. Well, here here's the

955
01:16:14.600 --> 01:16:17.720
thought on that. Again, you're
by all means try it. We have

956
01:16:17.800 --> 01:16:23.039
Hartford where we actually that's one of
the carriers. We can write for AARP

957
01:16:23.279 --> 01:16:30.039
or Hartford, either one, and
they have rules around not writing rental homes

958
01:16:30.399 --> 01:16:35.960
or dwelling fires unless your homeowner policy
is also with them. I don't think

959
01:16:36.000 --> 01:16:40.960
they have an option for an owner
occupied dwelling fire. Like I mentioned,

960
01:16:41.039 --> 01:16:44.000
there are carriers that do. I
don't think Hartford's one of them, but

961
01:16:44.039 --> 01:16:47.640
by all means, you could try
it. Yeah, okay, all right,

962
01:16:48.720 --> 01:16:54.760
you know I'm almost ready for a
nursing home, so yeah, certainly

963
01:16:54.840 --> 01:16:58.840
if there was a fire in my
home, can't replace the memories, and

964
01:16:59.199 --> 01:17:02.119
I wouldn't need as much as what
I have. Yeah, no, I

965
01:17:02.199 --> 01:17:05.680
get you. Yeah, you're right. On homeowner policies, they give you

966
01:17:05.720 --> 01:17:10.319
an exorbitant amount of personal property.
It's a portion of your dwelling limit.

967
01:17:10.479 --> 01:17:15.640
So some companies that automatic seventy percent
of your dwelling limit goes to personal property.

968
01:17:15.800 --> 01:17:18.239
Some of them that's only fifty percent, but still a lot of people

969
01:17:18.279 --> 01:17:23.560
don't have near that personal property amount, and most companies don't allow you to

970
01:17:23.640 --> 01:17:29.600
alter that amount. That's just their
automatic coverage. Okay. Now I'm reading

971
01:17:29.640 --> 01:17:35.840
about different coverages and it says AARP
I looked up has a program that has

972
01:17:35.880 --> 01:17:40.359
no deductible. Okay, so it
might just been grandfathered in. I can't

973
01:17:40.359 --> 01:17:45.560
write it new. And it says
it's zero. It's called Protector plus zero

974
01:17:45.640 --> 01:17:47.680
deductible. Yeah, no, I
don't have an option for it. I

975
01:17:47.680 --> 01:17:54.199
guess with this benefit, you're deductible
can be waived up to five thousand dollars

976
01:17:54.239 --> 01:17:57.680
for certain losses. Is that what
it's saying? If you are home sustained

977
01:17:57.720 --> 01:18:01.800
severe damage for a qualifying law.
Okay, so some carriers will wave a

978
01:18:01.880 --> 01:18:06.720
deductible if it's over a certain amount. Let's say you have a fifty thousand

979
01:18:06.760 --> 01:18:12.000
dollars loss, but they usually don't
allow wind and hail is one of those

980
01:18:12.159 --> 01:18:16.119
options. It's usually fire or one
of those. So it's like they incentivize

981
01:18:16.159 --> 01:18:18.520
here, say, hey, you
can carry a real high deductible, will

982
01:18:18.600 --> 01:18:21.560
wave that deductible. Though, if
you have a severe you have a total

983
01:18:21.560 --> 01:18:25.079
loss. Here's what it says.
For example, if your home is struck

984
01:18:25.119 --> 01:18:30.920
by lightning causing electrical damage, exceeding
the amount, the benefit would be waved

985
01:18:30.159 --> 01:18:35.439
the deductible. They would wave your
deductible to give you added peace of mind.

986
01:18:36.399 --> 01:18:42.000
And then it says, as far
as dwelling dwelling fire insurance is designed

987
01:18:42.039 --> 01:18:45.560
for homes you own but don't live
in most of the year. And that's

988
01:18:45.600 --> 01:18:48.760
true, That's what I was saying. Usually does when it says when it

989
01:18:48.800 --> 01:18:55.720
says fire dwelling dwelling fire, is
it only fire? There's other perils.

990
01:18:55.760 --> 01:18:59.479
It's just an aniquated we can say
it. And it covers properties like vacation

991
01:18:59.560 --> 01:19:04.199
homes to juice cabins, investment homes
such as rentals. Similar to homeowner's insurance,

992
01:19:04.680 --> 01:19:10.119
dwelling fire coverage pays for repairs and
rebuilding when fire damage occurs. It

993
01:19:10.159 --> 01:19:16.520
protects other structures and porches and garages. However, it doesn't provide possessions or

994
01:19:16.800 --> 01:19:21.479
and liability is limited to premise,
not personal liability where it follows you around.

995
01:19:21.640 --> 01:19:26.960
So when does anyone ever use personal
liability coverage for their homeowners? When

996
01:19:26.960 --> 01:19:30.079
would that ever come into effect?
Give me an life exam. You're walking

997
01:19:30.119 --> 01:19:32.520
down the street, your dog bites
somebody, that your liability extends to you,

998
01:19:32.560 --> 01:19:35.000
even though you're not on your premise
on way? What other way?

999
01:19:35.239 --> 01:19:39.319
Oh man, there is a lot
of think about any kind of law.

1000
01:19:39.760 --> 01:19:44.279
If you are sued, even if
it's not legitimate, if you're sued for

1001
01:19:44.359 --> 01:19:48.640
something you say, something you do. Yeah, that would be outside of

1002
01:19:48.760 --> 01:19:53.640
premise liability. Premise liability would be
just I know, someone trips and falls

1003
01:19:53.640 --> 01:19:57.800
at your premise. Personal liability would
extend wherever. I remember one guy one

1004
01:19:57.840 --> 01:20:01.439
time got in a fight with his
neighbor, and his neighbor I think they

1005
01:20:01.479 --> 01:20:06.359
came to blows. I'm not sure
his neighbor press charges. This guy was

1006
01:20:08.039 --> 01:20:12.119
then it was being sued civilly,
and his homeowners covered him. He wasn't

1007
01:20:12.159 --> 01:20:14.920
at home at the time, he
was over at the neighbor's house, but

1008
01:20:14.960 --> 01:20:17.079
his homeowners did cover that. Yeah. Absolutely, That's what I'm saying.

1009
01:20:17.119 --> 01:20:23.720
You're if it's not an automobile accident
and you're sued for a personal reason,

1010
01:20:24.000 --> 01:20:27.640
your personal ability on your home is
what extends to you. I shouldn't ask

1011
01:20:27.680 --> 01:20:30.760
this because I don't want to open
up a can of worms, but in

1012
01:20:30.840 --> 01:20:35.560
my line of work, I certainly
they must exclude me. Well, yeah,

1013
01:20:36.079 --> 01:20:42.000
across the board with homeowner policies,
they exclude business liability of any kind

1014
01:20:42.000 --> 01:20:46.039
of anything that's riding from your business
is not going to be covered underneath personal

1015
01:20:46.079 --> 01:20:49.279
liability. Okay, yep. So
if somebody sues me, yeah, sues

1016
01:20:49.319 --> 01:20:53.560
you for something you said on the
radio, they wouldn't cover you for that.

1017
01:20:53.680 --> 01:20:58.239
Now. Mark said one time he
made a mistake of mentioning he's in

1018
01:20:58.319 --> 01:21:00.560
the media, and he had a
really hard time I'm getting coverage. Is

1019
01:21:00.640 --> 01:21:03.119
this a few years ago? Do
you recall that? Oh? Yeah,

1020
01:21:03.359 --> 01:21:08.199
what was that for? Why I'm
writing for a home owner policy? They

1021
01:21:08.199 --> 01:21:11.680
don't or an umbrella. I had
to go to a specialty company for Mark

1022
01:21:11.760 --> 01:21:15.720
because of the fact that he was
in the media. Because not just the

1023
01:21:15.840 --> 01:21:19.840
media, it's the line of work
you guys are in where they yes,

1024
01:21:20.319 --> 01:21:26.319
you're consumer advocates, so you are
a very high target for lawsuits. And

1025
01:21:26.359 --> 01:21:30.399
so even though they exclude that on
a home owner policy, they still know

1026
01:21:30.600 --> 01:21:33.560
that they can get roped into the
lawsuit. Even if they're not going to

1027
01:21:33.600 --> 01:21:36.039
cover it, they're going to still
have defense costs that are going to be

1028
01:21:36.079 --> 01:21:40.079
involved. So they don't want anything
to do with it. For the most

1029
01:21:40.119 --> 01:21:43.039
part, companies don't want anything to
do with it, all right, three

1030
01:21:43.079 --> 01:21:47.520
oh three seven one three talk three
oh three seven one three eight two five

1031
01:21:47.720 --> 01:21:51.600
five. Get your calls in any
problem, question or complaint. We have

1032
01:21:51.640 --> 01:21:56.840
a lot to talk about today.
I want to talk about the UH,

1033
01:21:57.399 --> 01:22:01.520
the Supreme Court decisions and how they
affect us, and even the presidential immunity

1034
01:22:01.560 --> 01:22:04.399
one. And it's not about Trump's
and don't worry about it. It's just

1035
01:22:04.439 --> 01:22:10.279
about the decisions lately of the Supreme
Court and what they mean. By the

1036
01:22:10.279 --> 01:22:16.279
way, Probid Energy is a solar
company that we recommend probid Energy dot com

1037
01:22:16.359 --> 01:22:28.600
for your solar needs. Go with
a sure thing Denver's best roofer Excel Roofing

1038
01:22:28.720 --> 01:22:34.239
dot com. You don't pay a
cent until you're content. Time for an

1039
01:22:34.239 --> 01:22:39.880
insurance check up free, no obligation. In comparison, call Compass Insurance paying

1040
01:22:39.920 --> 01:22:44.000
too much your coverage at dozens of
insurance companies find out now three O three

1041
01:22:44.119 --> 01:22:46.560
seven to seven to one help.
You'll think you're his only customer when you

1042
01:22:46.640 --> 01:22:50.800
choose Frank durand the Real estate Man
dot com to list your home with Remax

1043
01:22:50.840 --> 01:22:58.239
Alliance three oh three nine two zero
sixteen twenty two at Hi, Tom Martina

1044
01:22:58.279 --> 01:23:01.520
and your Troubleshooter three O three seven
one to three talk threeal three seven one

1045
01:23:01.600 --> 01:23:14.239
three eight two five five. So
immunity for the president meaning for official duties.

1046
01:23:14.359 --> 01:23:19.880
I don't know why that surprises anyone. Now, I think that what

1047
01:23:19.920 --> 01:23:23.279
they're saying is, I mean,
if he goes out and robs a seven

1048
01:23:23.319 --> 01:23:27.359
to eleven, he's not immune,
or if he does something wrong. But

1049
01:23:27.600 --> 01:23:34.159
as an official act, as weird
as it may seem to people, he

1050
01:23:34.359 --> 01:23:40.840
was elected and can do things like
that. Now was I think? And

1051
01:23:40.920 --> 01:23:48.119
one thing that I'm shocked wasn't brought
up is that couldn't they argue? And

1052
01:23:48.159 --> 01:23:51.279
I know, uh, Dragons with
us. And the reason I say that

1053
01:23:51.359 --> 01:23:57.079
is because Dragon likes to chime in
on Brown Brownie Show. Unlike most producers,

1054
01:23:57.079 --> 01:24:02.479
he likes to take part in the
conversations. But I can't someone make

1055
01:24:02.520 --> 01:24:08.039
the argument that his inquiries about the
election, they were saying he was trying

1056
01:24:08.039 --> 01:24:14.000
to interfere. Couldn't the prosecutors try
to make an argument that that wasn't an

1057
01:24:14.000 --> 01:24:17.840
official presidential duty but more of a
personal endeavor. It could be argued with

1058
01:24:17.920 --> 01:24:23.359
both Brown was actually making that comparison
just this morning, that yeah, it

1059
01:24:23.359 --> 01:24:28.159
could be argued either way. So
that's why it getting sent down to the

1060
01:24:28.279 --> 01:24:30.640
courts lower than the Supreme Court that
actually deal with that kind of not the

1061
01:24:30.640 --> 01:24:35.039
Supreme Court. So in other words, they could say, we okay,

1062
01:24:35.319 --> 01:24:42.920
so he can't be prosecuted for presidential
duties. But certainly when he was calling

1063
01:24:42.960 --> 01:24:47.720
saying can you find me some votes? That wasn't presidential. Now the other

1064
01:24:47.840 --> 01:24:51.800
thing is this, let's say it
was personal. What's criminal about it?

1065
01:24:53.119 --> 01:24:57.319
Was he saying you better find me
more votes? Or was he saying come

1066
01:24:57.359 --> 01:25:00.920
on? Even at that case,
Brown was also saying, fact that it

1067
01:25:00.119 --> 01:25:06.479
is set up to begin with as
it it is immune until they prove that

1068
01:25:06.600 --> 01:25:11.239
it is not. And it's going
to wind up clogging up the courts.

1069
01:25:11.439 --> 01:25:17.119
Yes, because every time there's a
prosecutor that says this action A was illegal,

1070
01:25:17.359 --> 01:25:20.479
it's going to wind up going to
the court to decide if the action

1071
01:25:20.640 --> 01:25:25.359
was illegal or not, so that
the immunity can or cannot be used.

1072
01:25:25.960 --> 01:25:30.039
Yep, doctor well knows there,
yep, right, Well that I think

1073
01:25:30.079 --> 01:25:33.720
the bigger question is was it an
official duty or not? Well, that's

1074
01:25:33.880 --> 01:25:36.479
the first question, right, That's
why they have to go to court for

1075
01:25:36.520 --> 01:25:40.760
it, because until they figure out
if it was an official duty or not

1076
01:25:40.840 --> 01:25:45.119
he's immune, so that then they
go to court to find out if it

1077
01:25:45.359 --> 01:25:54.159
was official or not, and whichever
side loses is going to appeal correct anyway

1078
01:25:54.880 --> 01:25:59.920
anyway. So but but okay,
and then again that that's where we are.

1079
01:26:00.279 --> 01:26:03.640
That's where we are. I think
it's really important that presidents be able

1080
01:26:03.680 --> 01:26:09.640
to do their duties without regard to
whether it's criminal or not, because there

1081
01:26:09.680 --> 01:26:15.039
are times that United States and Congress, that the executive and the legislative branch

1082
01:26:15.560 --> 01:26:19.920
they do things around the world that
other people around the world would consider illegal.

1083
01:26:20.239 --> 01:26:26.119
I mean really, I mean,
you know, it's all about disagreement

1084
01:26:26.199 --> 01:26:30.319
and war and all of that.
Now, as far as news, there

1085
01:26:30.439 --> 01:26:35.840
is a study that says in the
US right now on the internet. I

1086
01:26:35.920 --> 01:26:41.319
don't know, this may not surprise
anyone there are officially they actually did a

1087
01:26:41.359 --> 01:26:46.039
survey more fake news than real news. Does that surprise anybody or is that

1088
01:26:46.079 --> 01:26:50.800
what you would expect? I was
surprised by this. Now. I know

1089
01:26:50.840 --> 01:26:56.039
there's a lot of bs on the
Internet, but to say there's actually more

1090
01:26:56.159 --> 01:27:05.720
fake websites and news outlets then legitimate
real news is is for real that there's

1091
01:27:05.800 --> 01:27:11.039
more fake stuff? And do you
know who they say has actually started more

1092
01:27:11.119 --> 01:27:14.760
fake websites for fake news. Where
do you think, who do you think?

1093
01:27:14.800 --> 01:27:23.279
What do you think? Take us
talk about it Russia. Now,

1094
01:27:23.319 --> 01:27:27.920
I'm not sure how much I,
by the way, trust even the disinformation

1095
01:27:28.119 --> 01:27:34.520
watchdog known as NewsGuard. But and
and until this article, I've never actually

1096
01:27:34.600 --> 01:27:40.479
heard of NewsGuard. Have you have
any has anyone heard of NewsGuard? Supposedly

1097
01:27:40.560 --> 01:27:45.199
this is a group, It's like
a that was called Snopes. Yeah,

1098
01:27:45.239 --> 01:27:53.640
but but but about news and about
websites. And they say that with deep

1099
01:27:53.720 --> 01:27:59.880
fakes and fake sites and all of
this, Russia has an entire cyber army

1100
01:28:00.680 --> 01:28:06.640
dedicated to misinformation. And that's why, you know, the Bidens contended that

1101
01:28:06.720 --> 01:28:11.960
the laptop and all of that was
a Russian hoax. Because of that,

1102
01:28:12.560 --> 01:28:17.399
of course it wasn't a Russian hoax. But there are they're saying that there

1103
01:28:17.479 --> 01:28:26.199
are thousands of fake news sites that
outnumber real ones. I'd like to see

1104
01:28:26.199 --> 01:28:28.279
a fake one. I don't know
if I've ever seen one. I've seen

1105
01:28:28.319 --> 01:28:30.479
them, you know, like I've
seen them that catered to one or the

1106
01:28:30.520 --> 01:28:33.199
other, you know, Fox and
CNN, and I've seen a lot of

1107
01:28:33.439 --> 01:28:38.920
I've seen crazy stuff, like what's
the guy's name, Alex Jones's sites,

1108
01:28:40.640 --> 01:28:45.239
but I've not seen I mean that, I guess people could call that fake,

1109
01:28:45.079 --> 01:28:48.920
but it's opinion. I mean,
it's more of an opinion. You

1110
01:28:48.960 --> 01:28:51.079
want a little fun. Tom.
On one of the other shows that I

1111
01:28:51.119 --> 01:28:56.359
work on, we occasionally do a
segment called real or fake headlines. Oh

1112
01:28:56.479 --> 01:28:59.000
yeah, yeah, yeah, yeah, I've heard of that before. I

1113
01:28:59.039 --> 01:29:02.640
mean a lot of people and really
though I've never I don't know if I

1114
01:29:02.680 --> 01:29:09.199
know a fake website. Now you
know it. I've seen some part what

1115
01:29:09.239 --> 01:29:14.560
are they parodies or satirical? Remember
the Onion? Is that still? I

1116
01:29:14.680 --> 01:29:16.880
love that? God? That was
great. It's still on there right?

1117
01:29:17.279 --> 01:29:20.239
What is it the Onion dot com? Or what Onion? And Babylon B

1118
01:29:20.359 --> 01:29:26.560
as well Babylon b Okay. Anyway, So folks, if you have a

1119
01:29:26.560 --> 01:29:29.800
problem question play give us a call. We also have our insurance coming our

1120
01:29:29.840 --> 01:29:33.920
insurance on Compass Insurance Group and we
will be talking about some of the insurance

1121
01:29:33.960 --> 01:29:40.520
comparisons and how they're done and what
results. But they have any three h

1122
01:29:40.560 --> 01:29:44.399
three nine nine six nine thousand is
Compass. If you call there and asked

1123
01:29:44.399 --> 01:29:46.680
for an insurance checkup, you will
get one and then earlier in the show,

1124
01:29:46.720 --> 01:29:49.439
I did, I had a complaint, I said. This guy said

1125
01:29:49.439 --> 01:29:56.319
he hadn't been called back yet and
they were waiting for additional information on a

1126
01:29:56.359 --> 01:29:59.640
teenage driver. Remember when you have
a teenage driver in your home, you

1127
01:29:59.680 --> 01:30:03.359
can't ignore the teenage driver. They
make you deal with it. Okay,

1128
01:30:03.439 --> 01:30:09.800
that's really important anyway. So I'm
Tom Martino three oh three seven one three

1129
01:30:09.960 --> 01:30:15.159
talks seven to one three eight two
five five and for sure. If you

1130
01:30:15.319 --> 01:30:19.520
want an honest assessment of your air
conditioning or a replacement unit, you can

1131
01:30:19.520 --> 01:30:25.479
get honesty and integrity from eight eight
eight heating dot com and great prices three

1132
01:30:25.560 --> 01:30:35.920
oh three seven seven zero two seven
seven six. Go with a sure thing

1133
01:30:36.039 --> 01:30:41.479
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

1134
01:30:41.520 --> 01:30:47.479
content. Time for an insurance check
up free, no obligation. In comparison,

1135
01:30:47.600 --> 01:30:53.520
call Compass Insurance paying too much your
coverage at dozens of insurance companies find

1136
01:30:53.520 --> 01:30:56.840
out now three oh three seven seven
to one help. You'll think you're his

1137
01:30:57.000 --> 01:31:00.000
only customer when you choose Frank durand
the real estate Man dot dot to list

1138
01:31:00.039 --> 01:31:11.520
your home with Remax Alliance three all
three nine two zero sixteen twenty two Tom

1139
01:31:11.640 --> 01:31:17.199
Martino Your Troubleshooter three all three seven
one three talk seven one three eight two

1140
01:31:17.359 --> 01:31:25.720
five five. Okay, so we
have some interesting stuff going on here.

1141
01:31:25.760 --> 01:31:33.199
What about this? When it when
it comes to colleges, More and more

1142
01:31:33.319 --> 01:31:40.640
kids are going to trade schools right
now. In fact, there is a

1143
01:31:41.039 --> 01:31:47.560
giant increase in enrollment for young people
going directly from high school into trade schools

1144
01:31:48.159 --> 01:32:00.000
for electrical HVAC, plumbing, and
construction, and the average graduate from these

1145
01:32:00.079 --> 01:32:05.159
schools make five times more than college
graduates. Think about this, I mean,

1146
01:32:05.239 --> 01:32:14.000
really no, I believe it.
But for some reason parents are reluctant

1147
01:32:14.800 --> 01:32:19.920
to send their kids straight to a
trade school. Do they feel there's a

1148
01:32:20.000 --> 01:32:29.119
shame in it, or it's not
dignified or what. I love this article

1149
01:32:29.159 --> 01:32:35.439
I saw on repurposing technology because one
thing that pisses me off is waste.

1150
01:32:36.520 --> 01:32:44.359
And have you ever looked to buy
a cell phone? And when you do,

1151
01:32:44.399 --> 01:32:47.359
you wonder what the old one is
worth. It's worth nothing, You

1152
01:32:47.439 --> 01:32:51.359
hardly get anything, it's not even
worth it, and to sell them.

1153
01:32:51.600 --> 01:32:58.479
But I saw this article and I
thought it was pretty ingenious. You can

1154
01:32:58.640 --> 01:33:02.840
use, of course, an old
cell phone or an old iPad on Wi

1155
01:33:02.880 --> 01:33:08.640
Fi you don't need yeah, and
no one will stop you from ever using

1156
01:33:08.680 --> 01:33:14.960
it. And you can use them
as cams literally mount them. They sell

1157
01:33:15.039 --> 01:33:19.479
mounts and you can mount them as
a permanent Wi Fi cam or a webcam.

1158
01:33:20.199 --> 01:33:25.640
You can use them as a universal
remote. There are apps you can

1159
01:33:25.720 --> 01:33:29.399
download, load it up and just
leave it. It will be your remote.

1160
01:33:30.079 --> 01:33:32.279
I know, I don't know what
you guys think, but I mean,

1161
01:33:32.319 --> 01:33:35.600
I guess I knew the technology exists, but I just thought, well,

1162
01:33:35.640 --> 01:33:40.000
you use your existing phone, right. I love the idea that you

1163
01:33:40.119 --> 01:33:43.960
take an old phone that's a piece
of crap instead of just throwing it out

1164
01:33:44.039 --> 01:33:47.359
or throwing it in a drawer,
you can use it. So it's really

1165
01:33:47.439 --> 01:33:51.159
a cool idea. A security cam. How about the dashcam? Tom?

1166
01:33:51.840 --> 01:33:56.000
You know what? I actually don't
know that, but why well no,

1167
01:33:56.199 --> 01:34:00.239
because you need Wi Fi, you
need Wi Fi. They're not going to

1168
01:34:00.319 --> 01:34:04.560
work, is the whole idea is
you're not going to have a cellular carrier

1169
01:34:04.600 --> 01:34:08.760
if you buy a new phone,
so you'd have to keep it activated as

1170
01:34:08.800 --> 01:34:12.279
a cell phone would defeat the purpose. I guess you could hotspot out to

1171
01:34:12.319 --> 01:34:15.159
your cell phone and do a bad
that I don't think that's the original.

1172
01:34:15.359 --> 01:34:19.920
And then some people use it in
their kitchen as a kitchen helper for internet

1173
01:34:19.960 --> 01:34:27.039
for you know, for Amazon,
for ordering, for inventory control for you

1174
01:34:27.079 --> 01:34:31.359
know, things like recipes and stuff
like that. And another thing is scores,

1175
01:34:31.399 --> 01:34:35.000
games and videos, ebooks, an
e book reader dedicated to that.

1176
01:34:35.399 --> 01:34:40.720
You know, you just get an
ebook app and that's it. Or a

1177
01:34:40.840 --> 01:34:45.319
noise maker or an alarm clock.
It can be an alarm clock. It

1178
01:34:45.359 --> 01:34:49.600
can be used to do along with
an alarm clock. You can play sleep

1179
01:34:49.640 --> 01:34:55.640
sounds, white noise, you can
do video conferencing, use it just for

1180
01:34:55.720 --> 01:35:00.000
that so you don't have to tie
up your phone anyway. Those are kind

1181
01:35:00.000 --> 01:35:03.960
of cool. I really think that
is one of the more useful articles because

1182
01:35:04.039 --> 01:35:11.520
I really have old technology sitting around
and I guess there's no reason in the

1183
01:35:11.560 --> 01:35:16.640
world you can utilize them. I
just think to me, it's way better

1184
01:35:16.680 --> 01:35:23.079
than throwing this crap out, way
better. And uh anyway, so we

1185
01:35:23.119 --> 01:35:26.640
have some insurance questions for Brian.
By the way, you can text us

1186
01:35:26.800 --> 01:35:29.079
and I'm going to give you that
number. You can text me out again.

1187
01:35:29.359 --> 01:35:31.560
I'm giving out this Google number.
Write it down during the show.

1188
01:35:31.560 --> 01:35:38.720
You can always text me here it
is seven four seven nine fifty two eighty.

1189
01:35:39.239 --> 01:35:45.279
So seven forty seven fifty two eighty. Somebody wants to know I was

1190
01:35:45.319 --> 01:35:49.359
assaulted at work? What type of
attorney do I use? And will my

1191
01:35:49.439 --> 01:35:54.279
insurance help cover that? First of
all, tell me about that kind of

1192
01:35:54.319 --> 01:35:58.279
stuff. They don't defend you.
They write, it's only for when you

1193
01:35:58.600 --> 01:36:03.279
have perpetrated something. Right, Well, it's if you are being sued.

1194
01:36:03.600 --> 01:36:06.439
So yeah, if you're if you're
the one being sued, but it's not

1195
01:36:06.479 --> 01:36:10.920
compared in your insurance. But yeah, you don't use your insurance to help

1196
01:36:10.960 --> 01:36:15.680
pay for a defense or an offense
against somebody else, right, and so

1197
01:36:15.119 --> 01:36:19.319
if you know, so, if
you're assaulted at work, you can you

1198
01:36:19.359 --> 01:36:24.640
can call a personal injury attorney.
You can probably call John Fuller receive you're

1199
01:36:24.640 --> 01:36:28.720
covered. He'd gladly talk to you
about that. That is a personal injury

1200
01:36:28.720 --> 01:36:31.600
attorney for any personal injury. Now, some personal injury attorneys will do only

1201
01:36:31.680 --> 01:36:36.319
auto accidents. Some want to do
you know, malpractice. Some have specialized

1202
01:36:36.359 --> 01:36:43.439
in different areas, but certainly John
Fuller Fuller Law can answer questions about it,

1203
01:36:43.479 --> 01:36:45.520
to see if you have a case, and maybe even take it if

1204
01:36:45.560 --> 01:36:53.239
you're assaulted at work. Now the
uh okay, the other Let's see what

1205
01:36:53.279 --> 01:36:57.119
else we have. Okay, you
know I is United. Okay. This

1206
01:36:57.199 --> 01:37:02.439
person says, they believe that you. Uned Airlines is responsible, and I'll

1207
01:37:02.439 --> 01:37:10.920
explain the problem for that bag once
it was taken off the luggage carousel.

1208
01:37:11.840 --> 01:37:16.359
I don't understand why. Okay.
This is a woman who was traveling and

1209
01:37:16.479 --> 01:37:23.000
her bag arrived in Denver. She
saw it go on the luggage carousel.

1210
01:37:23.600 --> 01:37:28.960
She wasn't sure if it was hers. She had two of them, two

1211
01:37:29.000 --> 01:37:32.479
black bags. She saw a guy
pick up that one bag and take off.

1212
01:37:33.199 --> 01:37:39.279
As it turns out from facial recognition, they found out this guy was

1213
01:37:39.319 --> 01:37:44.840
someone with plenty of warrants out and
a criminal record. It turns out only

1214
01:37:44.880 --> 01:37:47.319
one of her bags showed up,
the other one he had taken. She

1215
01:37:47.560 --> 01:37:54.119
was saying that United Airlines is responsible
to her, I don't see how they

1216
01:37:54.159 --> 01:38:00.119
can be. They delivered the bag, then some thief took it, and

1217
01:38:00.680 --> 01:38:04.720
she said, well, there should
be a system to keep that from happening.

1218
01:38:04.760 --> 01:38:10.119
But there isn't a system, not
by the airline, not by the

1219
01:38:10.239 --> 01:38:15.840
airport, not by any airline.
So United did nothing different than any other

1220
01:38:15.960 --> 01:38:20.319
airline period. They did nothing different, So how can they be negligent?

1221
01:38:21.359 --> 01:38:25.960
Is it? The question would be
when is it no longer in their care

1222
01:38:26.039 --> 01:38:30.960
custody and control? Is the person
that's texting you, they're thinking that it's

1223
01:38:30.039 --> 01:38:34.000
still in their care custody in control
said, I don't get it. United

1224
01:38:34.039 --> 01:38:39.720
Airlines is responsible for that bag once
they took it off the luggage carousel.

1225
01:38:40.079 --> 01:38:44.760
My opinion, you were wrong.
I mean, of course they're not responsible.

1226
01:38:45.680 --> 01:38:48.039
It says, it's then he goes
on or she goes on. It's

1227
01:38:48.079 --> 01:38:54.119
a carousel. You let the luggage
go around, you let the person grab

1228
01:38:54.159 --> 01:38:58.159
it. United took it off the
carousel. No, they didn't. United

1229
01:38:58.199 --> 01:39:02.159
didn't take it off the carousel.
She saidought she saw somebody take it off

1230
01:39:02.159 --> 01:39:05.920
the gas that's what I like,
the thief or whatever. Yeah, maybe

1231
01:39:06.000 --> 01:39:12.439
this guy misunderstood. I don't think
I think that they did not. I

1232
01:39:13.239 --> 01:39:17.239
think that they did not take it
off the carousel anyway. Three O three

1233
01:39:17.439 --> 01:39:21.119
seven one three talk seven one three
eight two five five is our number.

1234
01:39:21.479 --> 01:39:29.000
And another insurance question on my renter's
insurance. What am I obligated to have

1235
01:39:29.199 --> 01:39:32.520
when I'm the landlord? When you're
the landlord, yeah, and you own

1236
01:39:32.560 --> 01:39:35.680
a property you're renting out. Yeah, well, the only thing you're covering

1237
01:39:35.720 --> 01:39:40.680
at that point is that is the
actual structure you're building that you own,

1238
01:39:41.600 --> 01:39:46.279
and liability, of course, But
usually landlords are requiring their tenants to carry

1239
01:39:46.279 --> 01:39:53.199
renters insurance. Okay, Now,
if I chose on a homeowner's not to

1240
01:39:53.319 --> 01:39:58.399
carry contents, that wouldn't save you
hardly anything. Right, Well, like

1241
01:39:58.439 --> 01:40:00.479
I I probably can't even do it. Like on a home owner policy,

1242
01:40:00.600 --> 01:40:03.359
it's built in, it's automatic.
Now, you could go to a dwelling

1243
01:40:03.439 --> 01:40:08.680
fire policy if a carrier will let
you do an owner occupied and you can

1244
01:40:08.760 --> 01:40:13.600
choose your level of personal property or
put no personal property. But a lot

1245
01:40:13.680 --> 01:40:16.760
of times dwelling fire policies aren't less
expensive than a home owner policy. So

1246
01:40:17.319 --> 01:40:23.039
I don't I just don't think it
will benefit you in that way. And

1247
01:40:23.079 --> 01:40:27.199
I'm going to talk about cafeteria style
insurance if that'll ever come to be.

1248
01:40:27.319 --> 01:40:30.760
Because things are getting so expensive,
something's got to happen. I don't know

1249
01:40:30.800 --> 01:40:34.840
what it's going to be, but
something in the insurance industry has to break

1250
01:40:35.439 --> 01:40:41.079
or or reorganize or something. Three
oh three seven, one three eight two

1251
01:40:41.199 --> 01:40:50.960
five five go with a sure thing
Denver's Best roofer Excel Roofing dot com.

1252
01:40:51.000 --> 01:40:58.760
You don't pay a cent until you're
content. Time for an insurance check up

1253
01:40:58.880 --> 01:41:03.279
free, no obligation comparison call Compass
Insurance paying too much your coverage at dozens

1254
01:41:03.279 --> 01:41:06.960
of insurance companies find out now three
oh three seven seven to one help.

1255
01:41:08.119 --> 01:41:11.920
You'll think you're his only customer when
you choose Frank durand the real estate Man

1256
01:41:11.960 --> 01:41:15.479
dot com to list your home with
Remax Alliance three oh three nine two zero

1257
01:41:15.560 --> 01:41:24.880
sixteen twenty two. Hi Tom Martino
here three oh three seven one three talks

1258
01:41:24.880 --> 01:41:30.840
seven one three eight two five five. We have is Linda on? Okay?

1259
01:41:31.199 --> 01:41:36.960
I can take Linda. What's going
on? Linda? I'm having a

1260
01:41:38.039 --> 01:41:43.960
problem with the company that installed an
air conditioning unit. What is the problem,

1261
01:41:44.039 --> 01:41:47.319
Linda, Well, it's kind of
a long story. I'll try and

1262
01:41:47.359 --> 01:41:53.760
make it sure. Yeah. First
of all, the company came and did

1263
01:41:53.760 --> 01:41:58.000
a special thirty nine dollars cleaning thing, which was good. Is that fix

1264
01:41:58.079 --> 01:42:01.159
it? Yes? It is?
Okay, Well they have the thirty nine

1265
01:42:01.159 --> 01:42:04.119
dollars special. Listen, I don't
mind mentioning names. I want to hear

1266
01:42:04.159 --> 01:42:08.159
the issue. Go ahead, Well, yeah, I had them do that.

1267
01:42:08.319 --> 01:42:12.720
And then they wanted to give me
an estimate on a new air conditioner

1268
01:42:12.720 --> 01:42:16.960
because mine was really old, and
they told me it would be sixteen hundred

1269
01:42:16.960 --> 01:42:20.640
dollars worth of repairs. Plus they
also said that you can't get three on

1270
01:42:20.800 --> 01:42:26.079
anymore, which I found not to
be true. Well, it's expensive,

1271
01:42:26.439 --> 01:42:30.000
I mean, it's being phased out, but I understand keep going. Yeah,

1272
01:42:30.239 --> 01:42:34.680
I guess I knew that too.
Anyway, they came the very next

1273
01:42:34.760 --> 01:42:42.039
day and showed me all this paperwork
and apples to apples guarantee and all kind

1274
01:42:42.039 --> 01:42:45.680
of discussion, and it was on
a little iPad. Well, I mistickingly

1275
01:42:45.840 --> 01:42:51.920
read it as three thousand, five
hundred for the air conditioner. And it

1276
01:42:53.039 --> 01:42:57.600
turns out when they sent me the
next day when they were installing it,

1277
01:42:57.840 --> 01:43:03.880
an email that stated the price thirteen
thousand, five hundred dollars. They also

1278
01:43:03.920 --> 01:43:08.239
initially said it was a good month. I priced that and I did a

1279
01:43:08.239 --> 01:43:11.920
lot of research. Let me let
me ask you something about your airc air

1280
01:43:11.960 --> 01:43:17.399
conditioning. How old is your furnace? Six years old? And they were

1281
01:43:17.439 --> 01:43:23.680
going to keep your furnace and just
do the AC right, And how old

1282
01:43:23.800 --> 01:43:29.199
was your AC? It's at least
I've had it for twenty two years,

1283
01:43:29.199 --> 01:43:32.199
so oh okay, okay, there's
probably no doubt you have probably wanted to

1284
01:43:32.199 --> 01:43:36.840
bring that up to at least the
standards of your furnace. But thirteen thousand,

1285
01:43:38.000 --> 01:43:41.600
five hundred and unfortunately, that could
be high. It could be low,

1286
01:43:41.720 --> 01:43:45.199
depending on I mean not low,
it could be high, depending on

1287
01:43:45.760 --> 01:43:48.119
what it was. So tell me
what they had to do. Well,

1288
01:43:48.159 --> 01:43:54.479
they ended up installing something different than
I anticipated. First they said it good

1289
01:43:54.520 --> 01:43:57.600
money, so I priced that out. And then they said, no,

1290
01:43:57.680 --> 01:44:00.840
it's a Bryant, and I priced
that when out, and you know,

1291
01:44:00.920 --> 01:44:03.880
did a little bit of research on
those brands, and how much did you

1292
01:44:04.000 --> 01:44:09.520
end up paying? You know what? I wrote them a check for thirteen

1293
01:44:09.600 --> 01:44:13.720
thousand, five hundreds and then the
very next day, the more research I

1294
01:44:13.800 --> 01:44:17.840
get talk to people who are in
the business, I stopped payment on it.

1295
01:44:18.119 --> 01:44:24.239
Well, of course, they want
their money, and I understand that.

1296
01:44:24.279 --> 01:44:30.079
But everybody I've spoken to, people
in the business, professionals, have

1297
01:44:30.239 --> 01:44:33.920
said, that's ridiculous. It turned
out there erin as I said, here's

1298
01:44:33.920 --> 01:44:39.199
what I want to tell you,
Linda. Okay, I'm completely open here,

1299
01:44:39.239 --> 01:44:43.119
and I'm going to tell you this
fix it twenty four to seven advertisers

1300
01:44:43.119 --> 01:44:47.479
here, but there's no there's no
special protection for any advertiser. That price

1301
01:44:47.560 --> 01:44:51.399
sounds high for just an air conditioner. I don't know what the conditions are,

1302
01:44:51.600 --> 01:44:55.279
but I promise you I will look
into it. But here's something else.

1303
01:44:56.439 --> 01:45:00.279
I would be skeptical these other companies
that are saying that's outrageous or something.

1304
01:45:00.560 --> 01:45:02.920
I don't know if it is or
not. I want to know the

1305
01:45:03.000 --> 01:45:08.039
specs on your system. Hold on, just hang on, go with a

1306
01:45:08.079 --> 01:45:12.439
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

1307
01:45:12.640 --> 01:45:18.439
until you're content. Wait time for
an insurance checkup free, no obligation.

1308
01:45:18.439 --> 01:45:24.399
In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance

1309
01:45:24.439 --> 01:45:28.159
companies find out now three all three
seven seven to one help. You'll think

1310
01:45:28.199 --> 01:45:31.199
you're his only customer when you choose
Frank durand the real estate Man dot com

1311
01:45:31.239 --> 01:45:35.920
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1312
01:45:35.920 --> 01:45:50.439
two rifted of news. You need
advice so you don't have come run anxious

1313
01:45:50.520 --> 01:45:59.279
ass as you can. Shooter's gonna
help, Come man This is the Troubleshooter

1314
01:45:59.399 --> 01:46:04.000
Show. No Tom Martino min I'm
Martino here. Welcome to the show.

1315
01:46:04.079 --> 01:46:09.680
Three oh three seven one three talk
three oh three seven to one, three

1316
01:46:10.199 --> 01:46:13.840
eight two five five. What's on
your mind today? This is the only

1317
01:46:13.840 --> 01:46:15.760
show of it's kind anywhere where we
talk about every day aches and pains,

1318
01:46:16.239 --> 01:46:18.840
the things that tick you off,
the things that make you tick. I

1319
01:46:18.880 --> 01:46:23.439
got an email from Linda. By
the way, Compass insurance group with us

1320
01:46:23.439 --> 01:46:27.239
today and Brian, give me a
quick give me a quick comparison. By

1321
01:46:27.239 --> 01:46:30.239
the way, we do the insurance
checkup when they're on, but they do

1322
01:46:30.319 --> 01:46:31.560
it all the time. If you
call three h three nine ninety six,

1323
01:46:31.680 --> 01:46:35.439
nine thousand, what is an insurance
checkup? Well, you call and you

1324
01:46:35.479 --> 01:46:39.720
give your DEX page and you say, here's what I'm paying. People say,

1325
01:46:39.760 --> 01:46:44.439
well, they can't beat it.
Sometimes, you know, I called

1326
01:46:44.439 --> 01:46:45.920
and they couldn't beat what I had, And I said, okay, Well

1327
01:46:45.960 --> 01:46:49.439
don't you like that that they're honest
about that? I mean, because if

1328
01:46:49.439 --> 01:46:51.800
they say they can beat it,
they got to be able to beat it

1329
01:46:53.319 --> 01:46:56.600
and put you with a carrier that
gives you at least the same coverage or

1330
01:46:56.600 --> 01:47:00.800
more for a lower price, So
so I don't mind that people think I'm

1331
01:47:00.880 --> 01:47:02.680
disappointed. I've had a few people
say, well, Tom, I did

1332
01:47:02.680 --> 01:47:05.520
my insurance shook up and they couldn't
save me any money. Okay, fine,

1333
01:47:06.000 --> 01:47:10.640
okay, that's exactly what you want
you But maybe they can save you

1334
01:47:10.720 --> 01:47:13.800
money, but you can believe them
anyway, Brian, I digress. What

1335
01:47:13.840 --> 01:47:15.520
do you find? What'd you find
today? Yeah? And again whenever I

1336
01:47:15.560 --> 01:47:18.720
do this, I'm only sharing the
ones we're saving. There are some that

1337
01:47:18.760 --> 01:47:24.560
we tell them the state disclosure fifteen
percent of the time they can't. And

1338
01:47:24.600 --> 01:47:27.560
in this market it seems like it's
even more. It's just so hard to

1339
01:47:28.319 --> 01:47:30.199
companies right now. But we do. I have an interesting one that I

1340
01:47:30.239 --> 01:47:34.399
thought i'd share with you. A
lady called up, sent us their her

1341
01:47:34.479 --> 01:47:39.760
deck pages and said she had home
in auto insurance, and when they got

1342
01:47:39.800 --> 01:47:44.279
over to us, she had condo
insurance and auto insurance. No big deal.

1343
01:47:44.399 --> 01:47:46.800
Condo insurance meaning she doesn't have cover
for the exterior of the house.

1344
01:47:46.840 --> 01:47:50.720
But is it's a single family home. Oh my god, so she did.

1345
01:47:50.840 --> 01:47:55.680
She wasn't aware the mortgage company never
caught that she didn't have home insurance.

1346
01:47:55.840 --> 01:48:00.760
If my god was damaged it was
only covering the inside of her or

1347
01:48:00.800 --> 01:48:03.239
of her unit, banking on the
fact that she has an HLA that covers

1348
01:48:03.279 --> 01:48:08.520
the exterior. She does not,
So anyways, we did find her an

1349
01:48:08.560 --> 01:48:11.840
option that actually covers her. Of
course, the rate is higher than what

1350
01:48:11.880 --> 01:48:16.039
she's paying now, but she has
coverage. That's that's you know how it's

1351
01:48:16.079 --> 01:48:19.680
supposed to be now. Anyways,
good A big one that I thought i'd

1352
01:48:19.680 --> 01:48:24.319
share here. This guy called in
had auto home and umbrella, had a

1353
01:48:24.359 --> 01:48:29.600
young driver is paying almost fourteen thousand
dollars for auto home and umbrella a year

1354
01:48:29.840 --> 01:48:33.479
right now. We were able to
find him and he had actual cash value

1355
01:48:33.520 --> 01:48:39.880
on the roof. We got him
replacement cost on the roof auto home umbrella

1356
01:48:40.319 --> 01:48:44.119
for ninety seven hundred dollars. It's
a saving of almost forty three hundred dollars

1357
01:48:44.199 --> 01:48:48.039
a year on his auto home and
umbrella insurance. So pretty big savings there.

1358
01:48:48.359 --> 01:48:50.720
As I look down the line here, we had someone call in from

1359
01:48:50.720 --> 01:48:55.079
all State had a two percent wind
hail deductible. Was not aware of it,

1360
01:48:55.479 --> 01:48:59.720
so that was that equated to a
twelve thousand dollars windhil deductible. Wow.

1361
01:49:00.000 --> 01:49:02.920
I lowered it to one percent which
is still a six thousand dollars deductible,

1362
01:49:03.279 --> 01:49:08.399
but we added an umbrella and saved
her four hundred and thirty three dollars.

1363
01:49:09.239 --> 01:49:12.439
Well, it's today, the first
of July. Today's first July.

1364
01:49:12.640 --> 01:49:16.640
Oh my goodness, I just realized
that. Okay, so thank you for

1365
01:49:16.760 --> 01:49:20.800
that. And uh, you know
that's what an insurance checkup is supposed to

1366
01:49:20.840 --> 01:49:25.399
do. Now, going back to
the to the phones, I want to

1367
01:49:25.399 --> 01:49:30.600
talk to Linda. Linda. I
looked at your I don't have the contract.

1368
01:49:30.640 --> 01:49:34.119
I just have your original email Katchina
Linda, do you have any copy

1369
01:49:34.119 --> 01:49:41.479
of a contract you can send?
I? Yes, I do. And

1370
01:49:41.520 --> 01:49:44.479
here's what I want to say to
people, cause you're not the only one

1371
01:49:44.520 --> 01:49:47.840
who complained about the iPad signing the
iPad. And it's not just with fix

1372
01:49:47.880 --> 01:49:51.560
It. A lot of companies are
using an iPad. They have you use

1373
01:49:51.600 --> 01:49:56.800
your finger and sign it and then
people, now, listen, this is

1374
01:49:56.840 --> 01:50:00.520
for everyone, and I don't care
what anyone says. You should never do

1375
01:50:00.680 --> 01:50:04.760
that unless they can print out a
copy right then and there or email it

1376
01:50:04.760 --> 01:50:12.439
to you right then and there.
It's ridiculous. In fact, I would

1377
01:50:12.520 --> 01:50:15.520
only do it if they email it
to me and I sign it on my

1378
01:50:15.720 --> 01:50:19.479
device, or they can print it
out immediately. I've had too many people

1379
01:50:19.560 --> 01:50:25.800
tell me that they've signed an iPad
and didn't realize what they've signed, or

1380
01:50:25.880 --> 01:50:29.479
didn't have a copy of what they
signed, and when they got the copy,

1381
01:50:29.520 --> 01:50:30.960
they said, oh, I didn't
realize I was signing that. Now,

1382
01:50:31.039 --> 01:50:35.399
I am not inferring for a minute, because I know the people,

1383
01:50:35.439 --> 01:50:41.880
I really do. I don't think
they intentionally would ever alter the contract,

1384
01:50:41.920 --> 01:50:45.359
liar cheat. I really don't believe
that about any of the major companies that

1385
01:50:45.399 --> 01:50:47.600
I represent. Of course I don't. I, honest to God, would

1386
01:50:47.800 --> 01:50:54.520
never ever believe that, and I
know them, but I still wouldn't do

1387
01:50:54.560 --> 01:51:00.039
it. I would not sign an
iPad if I can't get a copy immediately,

1388
01:51:00.760 --> 01:51:04.119
and or I would insist that it'd
be sent as a doc. You

1389
01:51:04.199 --> 01:51:10.399
sign of some kind to my individual
unit, and then I sign it and

1390
01:51:10.439 --> 01:51:13.880
then I can immediately download a copy. That's what you guys do. A

1391
01:51:13.960 --> 01:51:16.359
compass. You always send me I
don't know of aside you sign whatever it

1392
01:51:16.439 --> 01:51:20.640
is, you send me something to
sign on my device. Yep, absolutely,

1393
01:51:20.960 --> 01:51:24.840
but I use I've had people come
to my house. I don't like

1394
01:51:24.840 --> 01:51:28.359
it. Happens all the time.
If you're going to bring an iPad to

1395
01:51:28.399 --> 01:51:30.640
my house, folks, you better
have a way to get that to me

1396
01:51:30.720 --> 01:51:34.159
immediately. And I don't mean first
go to your office and then then your

1397
01:51:34.199 --> 01:51:38.119
office sends it to me. I
want a copy of what I just signed,

1398
01:51:39.319 --> 01:51:42.159
or guys, I don't know,
you need to take a picture of

1399
01:51:42.159 --> 01:51:45.720
it with your phone or something.
You need to protect yourself. Okay.

1400
01:51:45.920 --> 01:51:49.720
Too many people say I didn't realize
what I signed. Too many people say

1401
01:51:49.720 --> 01:51:55.119
that. Now, Linda, here's
what I want to know. You you

1402
01:51:55.159 --> 01:51:58.319
stop payment on the check, and
I don't mind you doing that, And

1403
01:51:58.399 --> 01:52:00.359
that's what you did. Now,
what we have to figure out is did

1404
01:52:00.399 --> 01:52:03.479
they do you wrong? Or is
it a good unit? You know,

1405
01:52:03.800 --> 01:52:06.840
I need to see the specs.
Okay, I don't know what size.

1406
01:52:06.880 --> 01:52:11.399
I don't know anything about it.
And I promise you this. Send me

1407
01:52:11.520 --> 01:52:15.720
the specs of your unit and we
will do some price comparison. Now,

1408
01:52:15.720 --> 01:52:18.039
I'm going to tell you something.
If it's within three or four or five

1409
01:52:18.119 --> 01:52:21.039
grand or no, three or four
or five, I don't know if it's

1410
01:52:21.159 --> 01:52:24.640
if it's in the ballpark, I
wouldn't say five grand, but it's into

1411
01:52:24.640 --> 01:52:28.560
the ballpark. I can't tell them
to charge you less. I can't tell

1412
01:52:28.600 --> 01:52:33.119
them to charge you more. But
but you said everyone told you it was

1413
01:52:33.199 --> 01:52:36.920
overcharged. Okay, I want to
prove it. I just want to see

1414
01:52:36.920 --> 01:52:42.319
that because I'm going to tell you
something. I resent companies that look at

1415
01:52:42.319 --> 01:52:45.239
something after the fact and say,
oh, I could have saved you big

1416
01:52:45.279 --> 01:52:51.560
money, because I don't know of
any HVAC company at all at all that

1417
01:52:51.760 --> 01:52:57.399
is honest and legit and is cheap. They just don't. It doesn't happen

1418
01:52:57.439 --> 01:53:00.800
anymore. Okay, it doesn't happen. Now. That doesn't mean they should

1419
01:53:00.880 --> 01:53:06.000
overcharge you or be exorbitant. But
what I need to say is what you

1420
01:53:06.199 --> 01:53:11.399
ought for the money? Is that
reasonable? Yes? Well, what they

1421
01:53:11.479 --> 01:53:15.439
sent me in my email that I
could read clearly, all it says is

1422
01:53:16.119 --> 01:53:21.319
it has check march through the different
things. But they install the base comfort

1423
01:53:21.520 --> 01:53:29.119
system and then they said the cooling
system is three point five ton, which

1424
01:53:29.159 --> 01:53:33.000
I didn't expect. And what do
you mean you didn't expect it? What

1425
01:53:33.039 --> 01:53:36.199
does that mean? Well, when
they first came to me and they were

1426
01:53:36.239 --> 01:53:41.560
talking about what they would install,
it was supposed to be a Goodman three

1427
01:53:41.680 --> 01:53:45.399
tons unit. And after they said
that. They said Bryant, and then

1428
01:53:45.479 --> 01:53:50.479
they said, then they brought after
they've taken away the old one, they

1429
01:53:50.520 --> 01:53:56.079
brought a carrier unit. And it's
okay, hold on, is that what

1430
01:53:56.159 --> 01:54:00.239
you had install? The carrier unit? That's not what I would expecting.

1431
01:54:00.319 --> 01:54:04.239
And it's not writing They didn't write
down the names of the unit number anything.

1432
01:54:04.479 --> 01:54:09.760
Linda, Linda, listen, Yes, here's what I'm asking you.

1433
01:54:10.119 --> 01:54:15.920
Okay, okay, what did you
get for the money? That's what I

1434
01:54:15.960 --> 01:54:18.479
want to know. What did you
get for the money? And are you

1435
01:54:18.720 --> 01:54:25.880
saying that they switched you out from
you what you expected? Yes, okay.

1436
01:54:26.119 --> 01:54:31.800
If they switched you from a Goodman
or a Bryant to a Carrier,

1437
01:54:32.399 --> 01:54:38.439
you got a superior system. Now
why would you care if for the same

1438
01:54:38.560 --> 01:54:42.960
price you got a better unit and
a bigger unit. Well, when we

1439
01:54:43.039 --> 01:54:46.000
sat down to discuss the price,
he didn't say it out loud, and

1440
01:54:46.039 --> 01:54:50.880
it looked like three thousand, five
hundreds. And on top of that,

1441
01:54:51.079 --> 01:54:55.520
he had told me, if you
let us install it tomorrow, we'll take

1442
01:54:55.560 --> 01:54:59.399
two thousand off the price. Well, I was planning on five thousand,

1443
01:54:59.479 --> 01:55:02.119
three five hundred. No, wait
a minute, are they saying that this

1444
01:55:02.239 --> 01:55:08.039
thirteen thousand, five hundred dollars unit
would have been fifteen thousand, five hundred

1445
01:55:08.600 --> 01:55:15.359
exactly. Okay, now listen,
Linda, if you signed something that truly

1446
01:55:15.399 --> 01:55:20.640
said thirteen to five, I can't
help you if you thought it said thirty

1447
01:55:20.640 --> 01:55:27.159
five, because there's no one.
No one would have done an air conditioning

1448
01:55:27.199 --> 01:55:30.039
system for thirty five hundred, No
one, And if someone told you they

1449
01:55:30.039 --> 01:55:35.079
would, I want the name because
I want one today. Well, the

1450
01:55:35.079 --> 01:55:40.479
only reason I came up with the
initially five thousand, five hundred is because

1451
01:55:40.479 --> 01:55:44.640
I did some research on theline.
I'm asking you this. Here's what I'm

1452
01:55:44.640 --> 01:55:50.520
asking you. If you said you
said it looked like thirty five hundred,

1453
01:55:50.600 --> 01:55:56.279
is that right on the little iPad
or notepad? Okay? Now, in

1454
01:55:56.359 --> 01:56:00.479
all of those people you checked with
afterwards, did they tell you that should

1455
01:56:00.479 --> 01:56:05.119
have been the price about thirty five
hundred? No? All they told me

1456
01:56:05.319 --> 01:56:10.920
was it thirteen thousand, five hundred
is outrageous. How much did they say

1457
01:56:10.920 --> 01:56:15.439
it should be? Well, that's
the thing I'm looking at. Six's apples

1458
01:56:15.479 --> 01:56:19.520
to apples guarantee. Linda. No, that's not what i'm asking you.

1459
01:56:19.560 --> 01:56:26.880
I know, but I'm asking you. Did you find another company that would

1460
01:56:26.920 --> 01:56:32.079
do it cheaper. Well, I
believe I did, but who apples apples

1461
01:56:32.119 --> 01:56:36.800
guarantee? The people installed my air
conditioner are mean my furnace six years ago,

1462
01:56:36.920 --> 01:56:40.319
and they've done some other things for
me? And who was that?

1463
01:56:40.439 --> 01:56:45.000
Who is that's the Green Mountain Heating
and cooling? And what did they say

1464
01:56:45.039 --> 01:56:49.119
they would do the air conditioner for
the same exact carrier air conditioner. They

1465
01:56:49.159 --> 01:56:51.840
didn't give me a price, yet
they're supposed to. I send them all

1466
01:56:51.840 --> 01:56:56.279
the information. Would you have them
give you a price and let me know?

1467
01:56:56.920 --> 01:57:00.640
Listen, really, I think Linda, and I also want to know

1468
01:57:01.159 --> 01:57:04.560
what you have installed at your house. And if you do not know,

1469
01:57:05.039 --> 01:57:09.359
I will send someone there to look
at it. Well, yeah, I

1470
01:57:09.399 --> 01:57:12.520
know what kind it is, and
I've got these I want to know more

1471
01:57:12.560 --> 01:57:14.600
than that. Here's what I want
to know. I'm not going to go

1472
01:57:14.640 --> 01:57:16.760
over this again. Put her on
hold, get her listen, I want

1473
01:57:16.840 --> 01:57:20.279
I'm not dropping this. Put her
on hold. Here's what I want to

1474
01:57:20.439 --> 01:57:26.640
make the model, the size and
if that's what I want make model and

1475
01:57:26.680 --> 01:57:30.560
size, that's what I want to
know, okay, and and just just

1476
01:57:30.640 --> 01:57:33.680
let me know that's what That's all
I need to know the make model in

1477
01:57:33.800 --> 01:57:41.199
size three three seven one three Talk
Rick? What is your solar question?

1478
01:57:41.560 --> 01:57:46.960
Rick him? Hey, see,
my mom lives in California and there's a

1479
01:57:47.000 --> 01:57:54.399
company called I believe it's called sun
Run. Yeah. I sent you an

1480
01:57:54.439 --> 01:57:58.720
email in Yeah, but they Okay, he's looking at getting solar and I

1481
01:57:58.880 --> 01:58:02.039
just was wondering what you thought about
it. Have you heard of these guys?

1482
01:58:02.479 --> 01:58:06.000
Are they reputable? I mean,
okay, I'm going to tell you

1483
01:58:06.039 --> 01:58:15.039
something. Okay, listen carefully.
Most solar companies are not ittable. How

1484
01:58:15.079 --> 01:58:19.600
about that? I agree with that, most of them. So without even

1485
01:58:19.680 --> 01:58:23.800
knowing, I'm going to go look
at this paperwork, without even knowing,

1486
01:58:24.119 --> 01:58:27.560
I'm going to tell you there's more
of a chance they're not reputable than they

1487
01:58:27.560 --> 01:58:33.840
are. Okay, hold on,
let me look at your email and we'll

1488
01:58:33.840 --> 01:58:42.880
come right back to you. I'm
Tom Martine. Go with a sure thing

1489
01:58:43.000 --> 01:58:46.399
Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're

1490
01:58:46.479 --> 01:58:54.439
content. Time for an insurance checkup
free, no obligation. In comparison,

1491
01:58:54.560 --> 01:58:59.640
call Compass insurance paying too much your
coverage at dozens of insurance companies find out

1492
01:58:59.680 --> 01:59:02.199
now three all three seven seven to
one help. You'll think you're his only

1493
01:59:02.319 --> 01:59:06.119
customer when you choose Frank durand the
real estate man dot com to list your

1494
01:59:06.159 --> 01:59:14.439
home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi,

1495
01:59:14.600 --> 01:59:19.760
Tom Martino, your troubleshooter three all
three seven one three talks seven one

1496
01:59:19.800 --> 01:59:27.279
three eight two five five. I'm
here to help you and to answer questions.

1497
01:59:27.359 --> 01:59:30.239
And Rick called in about solar for
his mom, and I looked at

1498
01:59:30.880 --> 01:59:36.640
I did not see anything here in
the contract you sent that has a price

1499
01:59:36.680 --> 01:59:46.159
in there. How much is this
rick bike? It says they're not charging

1500
01:59:46.159 --> 01:59:51.520
to hurt anything at all except for
the one hundred and eighteen dollars a month

1501
01:59:51.600 --> 01:59:57.079
for the first year, and then
every year goes up three point five percent.

1502
01:59:57.479 --> 02:00:00.640
That's what she pays for. How
long out it does have a battery?

1503
02:00:00.680 --> 02:00:06.000
Well, I'm well, she's she's
eighty one, so I guess Well,

1504
02:00:06.000 --> 02:00:09.319
I'm not asking how old she is, I'm asking how old? How

1505
02:00:09.359 --> 02:00:14.600
long is the contract? I don't
know that, Tom. Well, what

1506
02:00:14.720 --> 02:00:18.840
happens? Okay, let's see you
inherit this house. Most likely you will

1507
02:00:18.920 --> 02:00:26.399
right? Most likely? Yes?
Okay, so you inherit the house and

1508
02:00:27.199 --> 02:00:30.399
you have a solar system and you
have another twenty years to pay on it.

1509
02:00:30.479 --> 02:00:33.199
Let's say, what do you do? Well? Kind of what?

1510
02:00:33.359 --> 02:00:36.640
I was just glancing through it?
The reason why I called you that I

1511
02:00:36.680 --> 02:00:40.359
know you know well, I'm glad
you were glancing through it. I tried

1512
02:00:40.359 --> 02:00:43.119
to glance through it. And there's
nothing here to glance through. It's all

1513
02:00:43.159 --> 02:00:45.359
I have is says that. It
says you can't transfer it. You can't,

1514
02:00:45.439 --> 02:00:48.159
you can't. You can't transfer it. She can't do anything with it.

1515
02:00:48.239 --> 02:00:51.680
The sun Run owns the system,
so they'll just take it back,

1516
02:00:51.720 --> 02:00:58.119
they'll just support. I mean,
that's where does this say that? I

1517
02:00:58.119 --> 02:01:00.479
don't have your contract? So you
did and send me what you think you

1518
02:01:00.640 --> 02:01:05.079
sent me. I sent you the
whole email I got and had an attachment

1519
02:01:05.119 --> 02:01:09.199
to it, and you click on
the attachment. I clicked on it,

1520
02:01:09.239 --> 02:01:13.840
and all I have I don't.
It's a forty seven page document and all

1521
02:01:13.880 --> 02:01:20.439
I have is one, two,
three, four pages so and most of

1522
02:01:20.479 --> 02:01:25.159
those are just her name and address
and all that. No price is nothing,

1523
02:01:25.279 --> 02:01:28.239
there's no conditions, there's nothing here. I mean, I know that

1524
02:01:28.359 --> 02:01:30.279
you're looking at something, but not
me. I mean, I have a

1525
02:01:30.359 --> 02:01:35.119
general disclosure and all of that.
But it talks about changing your mind.

1526
02:01:35.439 --> 02:01:41.239
It doesn't talk about anything to do
with how long it is, what happens

1527
02:01:41.279 --> 02:01:43.880
if you want to sell the house, how much. I mean, it

1528
02:01:43.920 --> 02:01:47.359
doesn't say they're going to take act
nothing. I don't see any of that,

1529
02:01:47.560 --> 02:01:51.119
So I can't help you. I
mean, you're telling me they're going

1530
02:01:51.199 --> 02:01:55.399
to take it back, like,
so you mean to tell me you can

1531
02:01:55.479 --> 02:02:04.279
say, then why not take it
back now? Yeah, so you're telling

1532
02:02:04.359 --> 02:02:06.960
me. I'm only going by what
you're reading. So I'm trying to get

1533
02:02:08.000 --> 02:02:11.600
your your take on it. So, so tell me your mom wants to

1534
02:02:11.600 --> 02:02:15.199
cancel. Yes, well, she
hasn't signed nothing yet, and you know

1535
02:02:15.439 --> 02:02:17.640
she had she was Wait a minute, Wait a minute, Wait a minute,

1536
02:02:17.640 --> 02:02:21.840
wait a minute, she hasn't signed
anything yet. Her signatures all over

1537
02:02:21.920 --> 02:02:29.039
this. Yeah, what are you
looking? It's even timestamped on the date

1538
02:02:29.079 --> 02:02:35.960
in time she signed. It is
her name, Marge. Yes, what

1539
02:02:36.000 --> 02:02:42.000
are you looking at? I'm looking
at a signature page with with an idea

1540
02:02:42.039 --> 02:02:51.439
a digital ID on it, a
DOCU sign a DOCU signed document with her

1541
02:02:51.560 --> 02:02:58.359
signature, the IP address, the
I D number, the date and the

1542
02:02:58.439 --> 02:03:06.920
time she's she's on the hook here, bro, what was the date on

1543
02:03:08.000 --> 02:03:13.119
you? Is she within her five
days? She signed it on June twenty

1544
02:03:13.199 --> 02:03:17.319
first, Oh, yeah, she's
within She's way past her five days for

1545
02:03:17.359 --> 02:03:23.520
sure. What five days? The
five days of the right of your sin?

1546
02:03:23.560 --> 02:03:25.960
Because she signed it in her home
and even said it on the contract

1547
02:03:26.000 --> 02:03:29.479
that yet, but she had five
days to do right today? Well,

1548
02:03:29.760 --> 02:03:32.680
the federal laws three days. I
don't know where the five days came from,

1549
02:03:32.920 --> 02:03:38.439
but I will say this, I
okay, I don't see that either

1550
02:03:38.479 --> 02:03:41.159
because I can't see the documents.
So what you thought you sent me?

1551
02:03:41.199 --> 02:03:45.119
You didn't. But here's the thing, man, she's got a problem.

1552
02:03:45.279 --> 02:03:49.079
No, she doesn't, not really. But she's going to pay one hundred

1553
02:03:49.079 --> 02:03:53.640
and eighteen dollars. That's not the
end of the world. But she still

1554
02:03:53.680 --> 02:03:57.399
has to pay her electricity or do
they say it's going to handle all of

1555
02:03:57.399 --> 02:04:02.000
her electrical needs. No, she'll
still have a little bit of electricity bills.

1556
02:04:02.039 --> 02:04:09.159
What is what I'm assuming? Why
are you assuming? Well, if

1557
02:04:09.159 --> 02:04:13.159
her house isn't big enough, her
roof isn't big enough to have as many

1558
02:04:13.199 --> 02:04:15.239
panels as she needs to power the
whole house, then she's gone. Well,

1559
02:04:15.239 --> 02:04:18.920
they already sold it. To her. They already sold her what she's

1560
02:04:18.960 --> 02:04:25.319
going to get. It's not if
her roof is big enough. It's it's

1561
02:04:25.520 --> 02:04:31.479
right here. I mean it says
the kilowatts or something. I saw that

1562
02:04:31.640 --> 02:04:38.239
somewhere. So is it a big
enough kilowatt system? I mean, how

1563
02:04:38.239 --> 02:04:43.399
old your mom? Eighty one?
Does she have her wits about her?

1564
02:04:44.279 --> 02:04:46.359
Oh? Yeah, she's on.
She's on. She'll outlive us almost likely.

1565
02:04:47.399 --> 02:04:56.000
She should have never signed this.
So what she has here's what she

1566
02:04:56.119 --> 02:05:02.640
bought, A five five hundred and
eighteen Kilowa system, okay, and a

1567
02:05:02.640 --> 02:05:14.520
battery backup. And it's guaranteed for
twenty five years supposedly, And it's one

1568
02:05:14.600 --> 02:05:23.000
hundred and eighteen dollars a month.
It's three point five percent annual payment escalator

1569
02:05:23.520 --> 02:05:30.119
with no deposit due. But it
says here the total cost is one hundred

1570
02:05:30.119 --> 02:05:33.439
and eighteen dollars escalating three point five
percent a year. This is on a

1571
02:05:33.560 --> 02:05:39.000
brochure. This is not part of
a contract. And it says here a

1572
02:05:39.079 --> 02:05:42.199
five day right to cancel. I
see that where you're seeing that now,

1573
02:05:42.800 --> 02:05:45.640
and it says this is our agreement. Okay, So now I'm looking at

1574
02:05:45.880 --> 02:05:48.920
something that says it's the agreement it's
not. It could have been the one

1575
02:05:48.960 --> 02:05:55.159
she signed, okay, and it
says it says, it says we'll produce

1576
02:05:55.199 --> 02:06:00.279
approximately five five hundred kilowatts, which
means it'll produce a hundred and fifteen percent

1577
02:06:00.399 --> 02:06:04.800
of your current use. So they're
saying she won't have an electric bill.

1578
02:06:10.439 --> 02:06:13.399
Listen, do you know what she
pays for electricity now? A year a

1579
02:06:13.439 --> 02:06:16.760
month? Well, and I think
one of the reasons why she wanted to

1580
02:06:16.760 --> 02:06:21.079
go with the solar is because Southern
California Edison next year is going to raise

1581
02:06:21.119 --> 02:06:25.159
everything sixty percent. But how much
is she paying now? Do you know?

1582
02:06:27.079 --> 02:06:30.840
I think she doesn't. She tries
not to run her air creshing her

1583
02:06:30.199 --> 02:06:35.760
or her here all year around,
and I think she pays right around I

1584
02:06:35.760 --> 02:06:41.479
think a couple hundred bucks a month, Okay, So she's gonna save a

1585
02:06:41.520 --> 02:06:46.560
few bucks. It'll never pay for
itself in her lifetime or in yours.

1586
02:06:46.760 --> 02:06:53.000
So the system is twenty five years, twenty five years, you have to

1587
02:06:53.039 --> 02:07:03.960
pay now. If it truly truly
can produce electricity for twenty five years,

1588
02:07:04.840 --> 02:07:10.840
and the escalator is three point five
percent, she will save very little on

1589
02:07:10.960 --> 02:07:16.800
electricity, but she'll save some.
But it try to sell the house man.

1590
02:07:18.119 --> 02:07:25.760
You got to get somebody to inherit
this too. I'm telling you that

1591
02:07:25.920 --> 02:07:29.119
it's not a good deal. Okay, Well that's what. That's what.

1592
02:07:29.239 --> 02:07:31.279
That's the reason why I called.
I mean, I wish it was.

1593
02:07:31.399 --> 02:07:34.680
It's not a good deal, and
they have terrible ratings, by the way,

1594
02:07:34.800 --> 02:07:40.359
terrible. I'm so sorry your mom
didn't call you first, you know,

1595
02:07:42.399 --> 02:07:45.880
right, I don't know that.
Yeah, I'm sorry, And there's

1596
02:07:45.960 --> 02:07:47.680
really nothing new. I don't know
what the hell you can do about it.

1597
02:07:50.640 --> 02:07:56.960
I mean, there are some options
in here. I don't know.

1598
02:07:57.159 --> 02:08:00.760
If I were you, i'd get
an attorney to look at it and see

1599
02:08:00.760 --> 02:08:05.319
if there's an out. It's she's
eighty one years old. She should have

1600
02:08:05.399 --> 02:08:07.960
never signed this. It'll never pay
for it. I don't even know what

1601
02:08:09.000 --> 02:08:11.760
she was thinking. What difference does
it make of electricity goes up? She'll

1602
02:08:11.800 --> 02:08:16.960
never ever make up for it.
Ever, What was she thinking? You

1603
02:08:18.000 --> 02:08:20.479
know? I mean, I feel
bad for her. I'm not trying to

1604
02:08:20.520 --> 02:08:24.680
give you a hard time into it. I'm sure. Yeah, of course

1605
02:08:24.680 --> 02:08:31.399
they suck, they really suck.
So I'm sorry that this happened to you.

1606
02:08:31.960 --> 02:08:35.399
If she can get out of it, I mean you ought to talk

1607
02:08:35.439 --> 02:08:39.800
and talk to the solar people directly. It's in California. I don't know

1608
02:08:39.840 --> 02:08:43.840
what you can do, but I
would have somebody look at that contract to

1609
02:08:43.840 --> 02:08:46.960
see if there's an out for her. If not, then she's stuck with

1610
02:08:48.000 --> 02:08:50.439
it, and so are you.
I mean, you're more stuck with it

1611
02:08:50.479 --> 02:08:54.880
than she is. It's a twenty
five year contract. I'm tell Martina,

1612
02:08:54.960 --> 02:09:03.800
we have more coming up. Go
with a sure thing Denver's Best roofer Excel

1613
02:09:03.920 --> 02:09:11.680
Roofing dot com. You don't pay
a cent until you're content. Time for

1614
02:09:11.720 --> 02:09:16.680
an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage

1615
02:09:16.680 --> 02:09:20.560
at dozens of insurance companies find out
now three oh three seven seven to one

1616
02:09:20.680 --> 02:09:24.319
help. You'll think you're his only
customer when you choose Frank durand the real

1617
02:09:24.399 --> 02:09:28.960
estate Man dot com to list your
home with Remax Alliance three oh three nine

1618
02:09:30.000 --> 02:09:41.399
two zero sixteen twenty two. Hi
Tom Martino here, Welcome to this show.

1619
02:09:41.439 --> 02:09:46.960
Three oh three seven one three talk
three oh three seven one three eight

1620
02:09:46.000 --> 02:09:50.960
two five five. Now, speaking
of insurance, somebody wants to know what

1621
02:09:52.079 --> 02:09:58.039
does homeowners insurance add or what what
do solar systems add to your homeowners If

1622
02:09:58.079 --> 02:10:01.800
anything, it's that's just part of
your dwelling limits. So you just have

1623
02:10:01.920 --> 02:10:05.279
to make sure that whoever you're talking
to knows about it so that when they're

1624
02:10:05.319 --> 02:10:07.600
doing they don't surcharge you because of
the roof stuff. No, it's a

1625
02:10:07.640 --> 02:10:11.159
replacement, but when they're running the
replacement cost estimate, they have to account

1626
02:10:11.199 --> 02:10:18.079
for the actual solar panels, and
so the dwelling limit that they're going to

1627
02:10:18.199 --> 02:10:22.720
use is going to be higher because
the solar system is part of that dwelling.

1628
02:10:24.520 --> 02:10:30.319
Okay, that is interesting, So
okay, So in other words,

1629
02:10:31.920 --> 02:10:33.960
it's not going to be that much, is what you're saying. No,

1630
02:10:33.039 --> 02:10:37.439
because you know, to go from
six hundred to six hundred and fifty thousand

1631
02:10:37.479 --> 02:10:41.840
isn't a huge difference in premium.
Okay. And as far as solar,

1632
02:10:41.359 --> 02:10:45.239
Brian asked me some stuff off the
air that I think we really need to

1633
02:10:45.560 --> 02:10:48.880
explore. What were your question Brian
for every because it's a good question.

1634
02:10:48.199 --> 02:10:52.359
Your questions were good about solar.
I was it's Brooke coming on by the

1635
02:10:52.359 --> 02:10:54.560
way, Oh she's there, Go
ahead, what's your question? We'll bring

1636
02:10:54.600 --> 02:10:58.399
Brook up to Brooke. Yeah,
yeah, no, I was just trying

1637
02:10:58.399 --> 02:11:01.159
to figure out, you know when
when they were trying to calculate how much

1638
02:11:03.319 --> 02:11:05.680
one hundred and ten percent of her
usage right now? Is that a good

1639
02:11:05.720 --> 02:11:11.960
figure to account for. If you're
scrimping on electric now and it's not a

1640
02:11:11.960 --> 02:11:15.560
true usage, it's not good.
But Brook, this is what I said

1641
02:11:15.600 --> 02:11:18.600
to Brian off the air. He
said, Tom, what will this solar

1642
02:11:18.680 --> 02:11:20.760
do for me? Like when rates
go up? And I said, that's

1643
02:11:22.239 --> 02:11:26.079
the system will become more valuable if
you do it properly. What I said

1644
02:11:26.239 --> 02:11:31.680
was, if you get a system
installed properly that truly can handle all of

1645
02:11:31.720 --> 02:11:39.000
your electrical needs, your electrical needs
don't increase when the prices go up.

1646
02:11:39.880 --> 02:11:45.479
It just gets more expensive. But
you're that's your solar system doesn't know how

1647
02:11:45.520 --> 02:11:48.960
much you're spending for electricity. All
it matters is it will generate your electricity.

1648
02:11:50.119 --> 02:11:52.640
And I said, if you've got
a battery backup system, you can

1649
02:11:52.760 --> 02:11:58.359
use that with smart metering to use
batteries at the most expensive times of the

1650
02:11:58.439 --> 02:12:03.760
day and maybe sometimes even switch back
to the power company or use as much

1651
02:12:03.800 --> 02:12:09.079
as you can from your solar and
sell back. I mean, but a

1652
02:12:09.159 --> 02:12:15.279
computer would would control all that is
that true or not. Yeah, that's

1653
02:12:15.319 --> 02:12:20.159
definitely true. So the way that
solar works is is that your panel feed

1654
02:12:20.199 --> 02:12:24.920
into your electrical box to your main
panel. So anything actively running in your

1655
02:12:24.960 --> 02:12:28.800
home gets powered by the solar and
then the excess goes out to the grid.

1656
02:12:30.399 --> 02:12:33.960
And so at night, when obviously
the sun's not out, that's when

1657
02:12:33.960 --> 02:12:37.560
you start pulling power from the grid. And what's called a net meter determines

1658
02:12:37.600 --> 02:12:41.319
the difference. So whatever your annual
usage is, as long as it remains

1659
02:12:41.359 --> 02:12:46.239
about the same, I mean usually
people fluctuate about five percent year between each

1660
02:12:46.319 --> 02:12:50.279
year. But as long as the
usage remains the same, your solar system

1661
02:12:50.319 --> 02:12:56.720
will completely eliminate your electric bill,
minus your connection fee and maybe your demand

1662
02:12:56.840 --> 02:13:01.439
charge, depending on the utility company
you're working with. If you're in Excel

1663
02:13:01.600 --> 02:13:05.800
Territory or Black Hills Territory, then
actually all of your fees are eliminated because

1664
02:13:05.880 --> 02:13:11.319
it's a public company. Now,
this woman, excuse me, this guy

1665
02:13:11.479 --> 02:13:18.239
his mom eighty one years old in
California signed up with I have the company

1666
02:13:18.239 --> 02:13:24.800
written down and I want to make
It's called sun Run. What do you

1667
02:13:24.840 --> 02:13:31.800
know about Sun Run? So?
Sun Runs a nationwide company. They're the

1668
02:13:31.920 --> 02:13:37.520
folks that if you get asked about
solar and Costco, that's who they work

1669
02:13:37.600 --> 02:13:41.880
with as far as how solar works. Though in California, I would be

1670
02:13:43.079 --> 02:13:48.880
very wary because their net metering laws
just updated, so you're only getting about

1671
02:13:50.039 --> 02:13:54.399
five cents on the dollar for anything
your solar system's producing. I would highly

1672
02:13:54.439 --> 02:13:58.680
recommend that they look into that to
ensure they're getting exactly what the sun Run

1673
02:13:58.800 --> 02:14:03.359
representative told them they were. She
bought a five hundred kilowatt system. Is

1674
02:14:03.399 --> 02:14:09.680
that big? No, that's pretty
average for one, I'm assuming if it's

1675
02:14:09.680 --> 02:14:13.199
like a one or two person in
a household, that's pretty normal. But

1676
02:14:13.279 --> 02:14:18.039
what I'm saying is that even if
it's producing as much power as she's using,

1677
02:14:18.560 --> 02:14:22.760
she's only getting five percent credit on
her net metering. So she's only

1678
02:14:22.760 --> 02:14:28.800
getting five percent of her bill removed. What wait a minute, what if

1679
02:14:28.800 --> 02:14:33.960
it produces but can't she use the
electricity directly from the system? Yeah?

1680
02:14:35.079 --> 02:14:37.600
Yeah, just like what I was
saying. So let's make it kind of

1681
02:14:37.600 --> 02:14:41.800
easy numbers. So, if your
solar system produces one hundred thousand kilowat hours

1682
02:14:41.800 --> 02:14:46.319
in a year, your house is
probably going to use about two to three

1683
02:14:46.399 --> 02:14:50.000
thousand before the other seven goes out
to the grid. So it'll definitely reduce

1684
02:14:50.079 --> 02:14:54.000
her electric bill on that front because
it's using it first. But then anything

1685
02:14:54.119 --> 02:14:58.640
excess is up to the net metering
agreement. So here in Colorado our net

1686
02:14:58.680 --> 02:15:03.800
metering at one hundred percent, meaning
the utility company has to give you full

1687
02:15:03.840 --> 02:15:07.840
retail value for anything that you send
it. But in California, Nevada,

1688
02:15:07.960 --> 02:15:11.920
Arizona, it's not at one hundred
percent, And in California right now it's

1689
02:15:11.960 --> 02:15:16.560
five cents on the dollar. Now, why would California do that. That's

1690
02:15:16.560 --> 02:15:20.000
supposed to be one of the greeniest
states in the world. You would think

1691
02:15:20.039 --> 02:15:24.279
they were to reward people for solar. They did, they used to,

1692
02:15:24.399 --> 02:15:28.479
but now so many folks went solar
that PG and ease grid cannot handle it.

1693
02:15:28.520 --> 02:15:35.560
So they have brownouts and blackouts because
of the third of electric power between

1694
02:15:35.680 --> 02:15:37.960
one pm and seven pm that the
solar systems sending to their grid, and

1695
02:15:37.960 --> 02:15:41.199
they don't know how to handle it
appropriately yet. In other words, they're

1696
02:15:41.239 --> 02:15:46.039
getting too much power from solar systems. So instead of rewarding people for going

1697
02:15:46.159 --> 02:15:54.000
solar and spreading that power around,
they're actually reducing the reimbursement rate. Yes,

1698
02:15:54.199 --> 02:15:56.600
So anybody going solar right now in
California, if they do not have

1699
02:15:56.720 --> 02:16:01.439
batteries cistern in their system quote unquote
off read, then they're actually boozing money

1700
02:16:01.680 --> 02:16:07.439
and it's a bad Do you know
something, Gavin Newsom not only I mean,

1701
02:16:07.560 --> 02:16:09.479
I swear to God I want Biden
instead of Gavin Newsom. If he's

1702
02:16:09.520 --> 02:16:13.359
going to be the replacement, what
a what a moron? I mean,

1703
02:16:13.520 --> 02:16:18.000
he's doing exactly the opposite of what
you think he would do, being such

1704
02:16:18.079 --> 02:16:22.680
a progressive weirdo. Go ahead,
I'm sorry, right not, young Brook,

1705
02:16:22.720 --> 02:16:26.279
I have a question for you.
So, what how do you protect

1706
02:16:26.319 --> 02:16:30.439
yourself from Colorado changing law? Can
you? I mean you're saying they give

1707
02:16:30.479 --> 02:16:33.680
one hundred percent. Now, what
happens if someone signs up and then two

1708
02:16:33.760 --> 02:16:37.360
years down the road the same thing
is happening here and they cut it down

1709
02:16:37.360 --> 02:16:41.559
to five percent. Yeah. Absolutely, So the interconnection agreement, which means

1710
02:16:41.559 --> 02:16:46.040
that it's a contract between the homeowner
and the utility company, have to be

1711
02:16:46.120 --> 02:16:50.719
for twenty years in the state of
Colorado. So even if that changed in

1712
02:16:50.799 --> 02:16:54.959
two years, those folks would still
be protected for the full twenty years.

1713
02:16:54.280 --> 02:17:00.360
Okay, And then Colorado's got some
pretty good laws for us. It was

1714
02:17:00.440 --> 02:17:05.479
amazing for Solar in that sense.
They don't incentivize, like no tax break

1715
02:17:05.840 --> 02:17:09.719
for folks in Colorado to go solar, but they do make the utility give

1716
02:17:09.760 --> 02:17:13.040
you retail value, which I feel
like is a great compromise. All right,

1717
02:17:13.079 --> 02:17:16.040
hold on a second. I want
to come back with a little more.

1718
02:17:16.079 --> 02:17:18.600
I have a couple other questions for
you. We have more coming right

1719
02:17:18.639 --> 02:17:22.920
up. Go with a sure thing
Denver's Best Roofer Excel Roofing dot com.

1720
02:17:22.959 --> 02:17:30.079
You don't pay a cent until you're
content. Time for an insurance checkup free

1721
02:17:30.159 --> 02:17:35.799
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

1722
02:17:35.799 --> 02:17:39.319
companies find out now three all three
seven to seven to one help. You'll

1723
02:17:39.319 --> 02:17:43.159
think you're his only customer when you
choose Frank durand the real estate Man dot

1724
02:17:43.200 --> 02:17:46.920
com to list your home with Remax
Alliance three oh three nine two zero sixteen

1725
02:17:48.000 --> 02:18:00.680
twenty two. Hi, Tom Martino, Here a brook White from Rocks roof

1726
02:18:00.680 --> 02:18:01.920
and Solar. I want to bring
her back up and ask a quick question

1727
02:18:03.000 --> 02:18:07.000
here. So basically, her deal
is no money down one hundred and eighteen

1728
02:18:07.079 --> 02:18:11.399
dollars a month, escalating three point
five percent a year for twenty five years.

1729
02:18:11.680 --> 02:18:16.520
Now. I haven't done future value
calculations on that, but I don't

1730
02:18:16.520 --> 02:18:20.360
know. I mean, what do
you think about systems like that where you

1731
02:18:20.360 --> 02:18:22.440
pay a flat rate, Well,
it's not a flat rate, but it's

1732
02:18:22.479 --> 02:18:28.440
an escalating rate for twenty five years. Have you heard of them? I'm

1733
02:18:28.600 --> 02:18:33.079
I apologize. So she's got one
hundred and eighteen dollars a month that she's

1734
02:18:33.079 --> 02:18:37.280
paying for the solar system. Yeah, and it's escalating by three point five

1735
02:18:37.280 --> 02:18:41.200
percent a year. I mean I
could, I could probably do the math

1736
02:18:41.239 --> 02:18:46.840
real quick. Go ahead, in
the in the loan documents, does that

1737
02:18:46.879 --> 02:18:50.319
have anything about her federal past credit
being brought? They get all of that,

1738
02:18:50.559 --> 02:18:54.920
they get. All she does is
zero down one hundred and eighteen dollars

1739
02:18:54.920 --> 02:18:58.000
a month, and we're running out
of time. I'd actually like to get

1740
02:18:58.040 --> 02:19:01.479
you back on to talk about this. If you can look into it,

1741
02:19:01.719 --> 02:19:05.639
I'll send you the documents. Broke. How's that? Yeah, if you

1742
02:19:05.680 --> 02:19:09.559
can done this to me, just
because it is somehow percent of the whole

1743
02:19:09.639 --> 02:19:13.600
thing is put into it, that
makes a huge difference. So that anyone

1744
02:19:13.760 --> 02:19:16.159
hold on and I will send them
to you. I'll send him to you.

1745
02:19:16.440 --> 02:19:20.200
I'm Tom Martinez Rehmert Compass Insurance Group
three zero three nine nine six nine

1746
02:19:20.239 --> 02:19:22.639
thousand, and save all your problems
for me.