WEBVTT

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Yea ripped up you need so you
don't have come running Just as fast as

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we can. Shoot's gonna help come
Man Dix is the Troubleshooter Show. No

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Tom Martino, Hi, Tom Martino
here, welcome. I got to turn

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my sound off here. Thank you. Three oh three seven one three talk

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seven one three eight two five five. What's going on in your life and

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how can we help you? Well, we are here to help you solve

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your problems. We like to get
involved before things are really crucial and and

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crazy. So if you think someone's
lying to you, or cheating you or

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ripping you off, please let us
know before it's too late. Now again,

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Uh, I've had a number of
people who've called and I'm trying to

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give direction and we're trying to help. You may not agree with our directions,

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So here's what you do. You
can do what we ask and recommend

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or not. Some people have gone
against our recommendations and have come out ahead

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and said, you know, Tom, I did this anyway and it turned

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out better. You know, I'm
not pretending that we know everything now.

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Our percentages are pretty good. We
usually solve more than we don't, and

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we do help people and give them
the right direction. So let me get

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right to the phones. But as
you see in our wide shot here I

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have Jaris with me from Jars Hansen
is from our Peace Center, retirement planning

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Center of the Rockies. You know, every day we try to take a

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different topic. That doesn't mean we
concentrate only on that, but he'll be

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here to talk about that. And
right now jaris that. You know,

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here's what I want to say,
real quick. Everyone's optimistic because the market's

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going crazy. The market had two
rallies last year which made up for all

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of its losses, so it finished
really strong, really really strong. And

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now this year it's really really strong. They say the FED cuts rates.

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The Fed cuts rates, we could
see a six thousand, a six thousand

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level which would be unheard of.
But it can't. And again I'm not

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pessimistic on purpose. I don't want
to just make people upset. But it

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can't sustain. What do you think, you know, I wish I had

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a crystal ball tom No, no, no no. But I mean,

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in general, in general, the
stock market over time, as Warren Buffett

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has proven over the long run,
if you just don't go crazy, you

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can make a pretty good hedge against
inflation. Yeah, and that's that's really

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the point of what we do with
our clients, Thomas. We help them

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figure out ways and not only take
advantage of the market growth over time,

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but make sure that their money's in
a place where short term they're not going

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to lose huge amounts where they're going
to have to stop and like positive retirement

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for example, most people make them. Here's where most people make a mistake.

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They try to day trade or short
trade or play the market. Now

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some people could do that, some
people can, but it is so so

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difficult. Well, and it's really
easy to get whips when you do that

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kind of thing too. You know, they say, oh, I'm going

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to invest in this or in that
or in this, They find one or

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two stock and then they go to
something else. But Warren Buffett, over

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the long run, it's probably the
smartest investor that ever lived. Now I'm

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not talking about well I am.
I'm talking about him as a person that's

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smartest investor. But he has done
nothing flashy, nothing nothing flashy. I

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mean, it's weird. So is
the stock market safer is it not?

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The bottom line is this, The
stock market is as safe as you make

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it. Here's the problem with the
stock market and people. And you hear

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Joe Kiana talk about this a lot. He says, get out of the

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stock market. You know, I
think what he means is this, And

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I want, I don't want to
put words in his vote, but I

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think what people mean is this.
If you have a retirement account and you

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have a certain window, if that
retirement account suffers big losses during that window,

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you may not have enough time in
that window to get him back right.

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And there's different phases of life when
you should write that's right, different

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that's right. And I think I
think that's what really it means. If

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you're going to stand with some solid
stocks for the long run, you're going

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to hedge against inflation and do pretty
well. If you're going to try to

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play the market, don't do it
with your retirement account. If I'm a

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twenty year old and I've got a
bunch of money and a tech fund,

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I'm okay with that. Yeah.
If I'm a seventy year old or a

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sixty five year old, now my
money's in large cap tech, that's a

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problem. I'm going to need to
talk now. I'm going to go to

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the phones. But Mark loves playing
with stocks and he does pretty good here

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and there, but he pays a
lot of attention. A lot of people

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don't have the time or energy to
do that. Let's go to Marguerite.

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She has an issue with movers and
oh, I hope it's not the same

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issue we hear all the time,
Marguerite. I'm going to let you start

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your story here. What's going on? Hi? Tom, Nice to meet

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you. Nice Tom. What's going
on? I've been in an earthing home

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for about three years now due to
some physical issues, and I've got the

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opportunity to transition into the community,
so I hired some move to move my

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storage into my apartment. The storage
is five foot deep and ten foot wide.

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I met with one of the workers
and he looked at it, and

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my transition coordinator asked, how long
do you think it'll take? She said,

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oh, about two and a half
hours. Okay. Then after that

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they where'd you find the mover?
That's what I want to know. And

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always listen to your gut. When
I don't, I always regret it.

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It's a friend of a friend.
Well that's better than just going on the

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internet. But I mean still okay, So but I want to ask something.

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Do they have a company or are
they just people know they have a

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company. They have a website,
they have a company. What's the name

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of the company, dear Carrying Transitions? Oh, did they specifically work with

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older people? I think they do
a lot of the state sale and transition.

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I don't think they specifically work with
older people, but I think that

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kind of becomes there. But so
you hired Caring Transitions to move you correct,

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And you told him you had a
storage unit of ten five y ten

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and he came and looked at the
storage unit with me and the core.

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He gave you a bid. He
never gave me a bid. Well,

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hold on, he just he did. He kind of gave you a bid.

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He said two hours. He said
two two and a half hours,

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yes, And then after that he
said, oh, by the way,

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it's one hundred and fifty an hour. I'm like, well, that's kind

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of a lot, but no,
not really. How many men for that

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one He ended up using four?
But it was it still one fifty or

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was it more like? In other
words, the one fifty an hour represented

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what one worker, two workers,
three workers, four workers one? You

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didn't really get details in writing,
did you No, but the one fifty

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per work her. Oh, so
it was going to be three hundred an

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hour with two workers, Yeah,
but it turned into four workers, so

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it was six hundred an hour.
Correct. So what happened then? Well,

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you know that all kind of snuck
up on me because I got it

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in increments. But did you sign
something saying you were going to pay one

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fifteen hour per person? I did? Okay, keep going then what happened

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then? So the day finally comes
and he's got four people, which I

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was like four people. I thought
it was going to be two. And

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he was supposed to go to the
storage, thought that my daughter's house pipapa

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bed, then go to the apartment. Instead he went from the storage to

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the apartment, then backtrack to my
daughter's and then back to the apartment.

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By then, the freight elevator was
being used someplace house by someone else,

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and I guess he had to wait, did you have a freight booked?

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Did you have a freight elevator booked? I just I just reserved the freight

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elevator. Well that's what I meant
you. You had it reserved and he

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missed the winter? Correct? Okay, So what happened because he was backtracking.

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Let's get right to this. Well, let's get right to this,

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Marguerite. Is the problem you got
builled way more than you expected? Is

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that the problem? Two thousand,
three and seventy five dollars? Oh my

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god, I seat by ten feet
from where to where? It was just

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about a thirty minute drive. It's
from like Alameda. Did you how many

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hours total did it take them?
And was part of that time waiting for

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the freight elevator I'm imagining it it
was. I'm assuming how many hours did

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they bill you for? Five hours? At five hours and four men?

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Correct? Okay, did you have
anywhere on the paperwork you said you signed

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something one hundred and fifty dollars an
hour per man or per person? Correct?

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Did you also sign something saying it
was only going to be two hours?

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No, he never put that in
writing. Then he then, okay,

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I'm going to give you the bad
news. First, you kind of

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obligated yourself. I mean they just
snowballed you, man that they obligated you

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signed saying yeah, I'm going to
pay one hundred and fifty an hour per

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person, and so they have five
hours and four people. I mean that

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is never? What's that? That
was never? In writing? You just

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told me that you Now, I'm
not arguing, I'm asking did you sign

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any First of all, let's start
here. Did you sign anything at all?

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Yeah? Okay, what did you
sign? Did you sign an estimate

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that said one hundred and fifty dollars
an hour per person? Yes? Correct?

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Did it also say how many people
they were going to use? No?

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Did it say how much time they
were going to take? No?

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Okay, so you obligated yourself.
It wasn't writing you say if they had

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ten people for ten hours, you
would have theoretically had to pay that.

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Theoretically, I mean there's something called
unconscionable, but you would have had to

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pay it. Did you end up
paying the two thousand, three hundred and

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seventy five dollars I have not paid
it yet. No? Okay? Is

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your stuff delivered? Yes? Oh? Good, good, good good.

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Hold on a second, let's figure
out what to do. Hold on three

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all three seven to one three talk
seven one three eight two five five.

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What would you do in a case
like this? I'd like to know.

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Do you think she was misled?
I don't. I think both yes and

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no. We'll talk about that coming
up. Three o three seven one three

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to list your home with Remax Alliance
three all three nine two zero sixteen twenty

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two. I'm Tom Martino, your
troubleshooter. Three all three seven one three

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talks seven one three eight two five
five Real quick here. Greg has a

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comment on investing. Go ahead,
Greg, tom so retirement investing in the

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stock market. The thing that frustrates
me is when people say, oh,

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you're fifty or fifty five or sixty, move all of your investments to something

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you know with less risk. The
longest time between recordhis in the stock market

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is seven years approximately, So unless
you're planning and using all that money in

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seven years, there's no reason to
think you need to withdraw all of it

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into lower risk. But Greg,
Greg, I kind of agree with you

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and not. It depends and you're
right, there's no one answer. But

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Greg, one thing I wanted to
mention when you talk about record high peaks

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being about seven years apart or sooner, the problem is the record highs don't

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always make up for all of your
losses of lows. They don't always.

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It doesn't balance necessarily that way that
you have to make up more in the

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plus than you did in the negative. You know that, right, sure,

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But that's yeah. I mean,
if you're maintaining a fund, that's

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consistently following the averages. Though,
then if you don't sell it when it's

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low, you'll be fine. And
some people are more risk averse, some

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less verse. I'm not advocating to
change your strategy, but the notion that

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you're approaching retirement agent you need to
you need to move everything to secure you're

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just going if you if you're a
person who is willing to take on risk,

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you're passing up earnings. Okay,
But here's another thing I wanted to

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mention Greg. There is a time, and I don't think all of your

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money, but there truly is a
time, and I've I've done it.

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I really did it where you convert
some of it to an annuity. And

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I don't mean a regular annuity of
the high priced, crappy annuities, but

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I did a guaranteed annuity with a
bonus and with income. I actually did

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it. I mean, but not
all my money. But what you know,

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I don't know what you think about
that, but I think that's a

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good idea. Jaris Yeah, Tom
and Greg. It's never a good idea

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to have all your money in one
basket. Now, of course it's safe

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or in the market. And one
thing that that's important is if you've got

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a bunch of money in the market
and you're relying on it for income,

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that may not be the best place
to keep all of it, not for

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a long terms. So you know, if you are a retiree and you're

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getting ready to pull money out of
an account, I wouldn't want to keep

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that all at risk because if I've
got a thirty percent drop in the market

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all of a sudden, I'm gonna
have to take a little bit less out

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as income from that account in the
future. I want I want to I

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want you to later in the show. I want you to talk about the

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three buckets. I love that scenario. Hey, doctor Gary, I'm going

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to go back to the mover thing. I just we're just noodling on it.

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Figure out what we can do.
Doctor Gary. You you have a

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question, go ahead, Yeah,
Tom, I'm really calling to see if

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you were pleased with your top surgery
for your low back. I'm one thousand

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percent please yes, But but I
have done You have to understand something.

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I got it for what it is
right. It's not an end all be

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all. It is for what it
is right now approved for is one level

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and it's going to be multi level. I don't see why it won't be,

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but because but the one level,
meaning instead of a fusion, you

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get this. And what it does
is it stabilizes your back and allows for

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full movement. Gary. Have you
seen his video he did on it.

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Well, I haven't seen the video. I actually spoke to Prima in Connecticut,

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a company that actually developed it.
Yeah, now listen, here's the

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deal that they're They're really wonderful people. And the top surgery for those listening

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is a titanium implant with a movable
disk in between, and it literally takes

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the place a part of your spine. Do you understand that the bad level

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of my spine was removed? It
wasn't fused, it was removed. There's

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nothing to grow arthritis, and there's
nothing to ever pinch that nerve again.

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There's also no adjacent disk disease because
I'm not putting extra pressure above or below

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it like you would with a fusion. That's not to say I could not

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develop arthritis in in other facet joints. Of course you can. I mean,

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you know, you still have to
whatever be healthy. But if you

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had multiple levels and of bad,
bad, bad back facet joints and discs.

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If you don't want to wait for
a TOPS to be approved for multi

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level, you may have to go
ahead and get a fusion. Well,

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go ahead, Gary. In my
office, I see all those fouled fusion.

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Sixty one percent of them fail within
four to five years. And those

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00:17:00.080 --> 00:17:03.279
exactly yeah, I see. Even
when they don't fail, Gary, their

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00:17:03.319 --> 00:17:07.839
lives are miserable because they can't move
right. Right. So when I spoke

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00:17:07.880 --> 00:17:11.319
to Prima, they said, and
I told him my diagnosis, they said,

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00:17:11.400 --> 00:17:17.119
you are the perfect candidate for this
particular procedure. I went to a

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00:17:17.160 --> 00:17:22.200
regular spinal surgeon yesterday and he basically
said, oh, it hasn't been around,

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00:17:22.279 --> 00:17:26.039
it's experimental, and he was just
saying horrible things about it. Now,

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00:17:26.119 --> 00:17:30.400
doctor, I'm going to tell you
why, okay. And you know

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00:17:30.480 --> 00:17:34.119
this about the medical profession, just
like the electrical profession, the investment community,

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00:17:34.359 --> 00:17:40.480
the HVAC community, the automobile community. What is it If they don't

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00:17:40.480 --> 00:17:42.799
bring it to you and they don't
do it, then they diss it.

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00:17:44.039 --> 00:17:47.920
That's what it is. Because this
moron doctor has no idea what he's talking

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00:17:47.960 --> 00:17:52.200
about. They went through extensive trials, extensively and hundreds and hundreds of these

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00:17:52.240 --> 00:17:56.279
were done in Europe. Here's the
point. The point is is, of

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00:17:56.359 --> 00:18:00.640
course you're going to still have doctors
who say, oh, it's experimental,

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00:18:00.680 --> 00:18:03.359
it's no good, it's that Well, we do know one thing for sure

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00:18:03.680 --> 00:18:06.440
that the fusion is the worst thing
you can do. Okay, we know

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00:18:06.519 --> 00:18:11.119
that, So if you know,
here's what I'm going to tell you.

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00:18:11.160 --> 00:18:14.799
Look, I am living proof now
I've had it a year. People to

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00:18:14.880 --> 00:18:15.480
say, well, you don't know
what's going to happen to him. It

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might fail, who knows, of
course it might anything could fail. But

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00:18:19.640 --> 00:18:25.640
I'm telling you it's the same materials
that a fusion is made from, right,

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00:18:25.880 --> 00:18:30.599
but instead it moves. So why
are people saying, why would that

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00:18:30.640 --> 00:18:34.359
moron? Doctors say a fusion is
fine with the same materials, but put

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00:18:34.400 --> 00:18:41.400
in a different way, why would
it not be fine? Why? Exactly?

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00:18:41.599 --> 00:18:45.119
You know? I mean, here's
the deal. What you need to

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00:18:45.160 --> 00:18:52.519
go is see a forward thinking neuro
surgeon who actually does all kinds of surgery,

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00:18:52.640 --> 00:18:56.680
so he's not held bent on selling
you on one or the other.

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00:18:57.880 --> 00:19:00.839
I already have appointment with both of
them. The only two guys that do

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00:19:00.880 --> 00:19:04.759
it in town, and one of
them is my doc thought, right,

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00:19:04.799 --> 00:19:07.279
one of them is your doc and
the other one's over in a war on

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00:19:07.480 --> 00:19:14.000
see you, and they're both really
they're both really good. Right. And

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my other question for you was how
how long was it before you could resume

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your regular activities? I was walking
around the next day. I was,

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00:19:22.720 --> 00:19:26.000
excuse me, I was walking around
that night all over the hospital ward they

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00:19:26.000 --> 00:19:29.119
said, what are you doing?
I said, I'm walking. I'm having

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00:19:29.160 --> 00:19:33.240
a wonderful time, and I resumed. Now, listen, I'm not recommending

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00:19:33.279 --> 00:19:36.720
this, but I was. I
was doing regular walking. The next day.

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I was going to the now I
was. Let's put it this way.

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My people here will tell you that
they couldn't believe I had surgery.

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00:19:44.680 --> 00:19:48.279
Okay, I'm the only thing.
The only thing you complained about that I

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00:19:48.319 --> 00:19:52.000
remember was the incision itself. Yeah, yeah, the itchy and all that.

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00:19:52.079 --> 00:19:56.799
Yeah yeah. And here's the thing
I'll tell you. Okay, my

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00:19:56.960 --> 00:20:00.359
doctor said, Tom, before you
go to the Jim, wait at least

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00:20:00.440 --> 00:20:04.319
six weeks. And then when you
do go, don't put don't put weight

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00:20:04.400 --> 00:20:07.920
right on that. You know,
let those screws really really adhere to your

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00:20:07.920 --> 00:20:11.559
spine because it's holding it up in
bottom. And but I'm going to tell

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00:20:11.599 --> 00:20:18.599
you somebody, Okay, I was
crazy and I had no I felt zero

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00:20:18.720 --> 00:20:22.000
restriction. If you're wondering, are
you going to be laid up like with

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a hip surgery, No, absolutely
not. That doesn't mean you should do

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00:20:25.920 --> 00:20:30.160
what I did, but but you
will not feel laid up. You know

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what he told me yesterday was no
lifting, bending, or twisting for three

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00:20:34.480 --> 00:20:37.240
months. Well, okay, that's
true. I mean, I know,

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00:20:37.400 --> 00:20:41.839
I know what. I know what
they're saying. And when they say that,

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00:20:42.279 --> 00:20:45.880
what they don't want you to do
is like lift, they don't want

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00:20:45.920 --> 00:20:48.759
you to do stupid lifting and stupid
twisting and all of that. I understand

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00:20:48.799 --> 00:20:53.039
that. Yeah, right, And
but my recovery will probably be cut in

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00:20:53.119 --> 00:20:56.400
half because I have a hyperbarret chamber
in my office. So that really is

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00:20:56.480 --> 00:21:02.440
and you probably are. Are you
fit anyway I used to be? But

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00:21:02.519 --> 00:21:03.920
because of my disability, I'm not
as good as I used to be.

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00:21:04.039 --> 00:21:07.200
Yeah, and that's the same I
was, although I still I still you

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00:21:07.200 --> 00:21:12.640
know, was I think below twenty
percent body fat. I think that I

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00:21:12.759 --> 00:21:18.000
had to just I had to be
held back. Let's put it that way.

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00:21:18.559 --> 00:21:23.119
I had to forcibly be held back
because I had zero pain and zero

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00:21:23.200 --> 00:21:29.440
discomfort and zero impingement. So the
best to you stay in touch with me

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00:21:29.480 --> 00:21:32.440
every step of the way. And
either doctor you choose is going to be

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00:21:32.440 --> 00:21:34.400
a good one. You're gonna love
it because they both doctors who do it

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00:21:34.799 --> 00:21:37.759
do a fine job. Three all
three seven to one three talks seven one

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00:21:37.799 --> 00:21:42.440
three eight two five five. You
know, it's really funny though. I

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00:21:42.480 --> 00:21:45.839
know you've all heard this, right. If they haven't done it, or

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00:21:47.079 --> 00:21:49.759
if they don't tell you about it, it's bad. And that's not just

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00:21:49.799 --> 00:21:55.960
with the medical profession. That's with
all professions. I mean, I have

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00:21:56.319 --> 00:22:02.920
through my entire life have heard people
tell me about how bad something is because

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00:22:02.960 --> 00:22:07.000
they were not familiar with it.
Now. At the same time, that

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00:22:07.160 --> 00:22:11.160
doesn't mean you go to everything that's
brand new either. There's a balance there

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00:22:11.799 --> 00:22:19.039
now, Marguerite, here's what I'm
Here's what I'm saying. You have movers

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00:22:19.079 --> 00:22:23.079
that charge you way more than you
thought they would. But they were right

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00:22:23.160 --> 00:22:29.039
up front with you with the written
contract. But they told you it should

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00:22:29.079 --> 00:22:30.880
only be a couple hours and a
couple men. It turned out to be

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00:22:32.880 --> 00:22:41.039
way more. Out you have one
a witness to that this happened to us

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00:22:41.079 --> 00:22:45.039
when we help Miles move. It
just happens. I guess, like part

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00:22:45.079 --> 00:22:47.920
of the industry. Here's what I'm
going to get out. Okay, Margaret,

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00:22:48.519 --> 00:22:49.599
it doesn't matter if you have a
witness. You're not going to go

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00:22:49.640 --> 00:22:52.319
to court over it because you're going
to lose if you go to court.

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00:22:52.799 --> 00:22:59.799
So really all that matters is what's
in the written contract. And movers are

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00:23:00.319 --> 00:23:04.759
are are extremely good at cheating people. Okay, I'm just going to tell

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00:23:04.759 --> 00:23:08.160
you, in my opinion, it's
cheating because they they they bait and switch

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00:23:08.160 --> 00:23:11.960
you. But here's the deal.
What can they do to you if you

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00:23:12.000 --> 00:23:15.000
don't pay? Let me ask you
that. What can they do to you?

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00:23:15.119 --> 00:23:18.759
I guess maybe take me to small
claims. Course, yeah, they

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00:23:18.799 --> 00:23:22.240
could and get a judgment. But
bot I'm asking is what do they get

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00:23:22.279 --> 00:23:26.440
if they get a judgment against you? What do you have? Yes?

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00:23:26.440 --> 00:23:30.039
I have nothing? Right And what
is your income? What is your income?

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00:23:30.119 --> 00:23:34.119
You know I'm in a wheelchair,
Margaret, Marguerite, what is your

327
00:23:34.680 --> 00:23:41.599
What is your income? I get
social Security every month. They can't garnish

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00:23:41.680 --> 00:23:45.839
social Security. They have nothing.
You're called judgment proof. There's nothing they

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00:23:45.839 --> 00:23:48.960
can get from you. Do I
suggest you not pay them. No,

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00:23:49.440 --> 00:23:55.279
I suggest you pay them for two
hours and two men, which would have

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00:23:55.359 --> 00:24:00.480
been six hundred dollars right, or
may be a thousand or whatever. Now

332
00:24:00.519 --> 00:24:03.799
you do know you're gonna owe something. What were you expecting to pay?

333
00:24:07.039 --> 00:24:10.720
I was expecting to pay about seven
hundred dollars. Okay, then I would

334
00:24:10.759 --> 00:24:14.279
put down I would I would pay
them, saying, look, you know

335
00:24:14.440 --> 00:24:18.359
you estimated way less than this.
It was I had an eight by or

336
00:24:18.400 --> 00:24:22.400
a five x ten storage occer.
And I cannot pay you anymore. And

337
00:24:22.440 --> 00:24:25.799
this is what I was expecting to
pay. And I've had witnesses. I'm

338
00:24:25.839 --> 00:24:27.319
not This is not legal advice.
This is if you were my mom.

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00:24:27.319 --> 00:24:30.599
I tell you, this is my
sister. But here's the deal. Once

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00:24:30.640 --> 00:24:34.480
you do that, they can't.
They can do something. They're gonna uff

341
00:24:34.480 --> 00:24:37.519
and puff, but they can't blow
your house down. They have nothing.

342
00:24:37.720 --> 00:24:42.279
You have nothing. They can get
nothing nothing. You may not like it,

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00:24:42.440 --> 00:24:45.759
but there's nothing they can do to
you, even if they get a

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00:24:45.880 --> 00:24:56.359
judgment. I'm Tom martine More coming
up. Go with a sure thing Denver's

345
00:24:56.400 --> 00:25:00.160
best roofer Excel roofing dot com.
You don't pay a cent. You know

346
00:25:00.160 --> 00:25:07.319
you're content time for an insurance checkup
free, no obligation. In comparison,

347
00:25:07.440 --> 00:25:11.480
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

348
00:25:11.559 --> 00:25:15.119
now three all three seven seven to
one help. You'll think you're his only

349
00:25:15.200 --> 00:25:19.000
customer when you choose Frank durand the
real estate man dot com to list your

350
00:25:19.039 --> 00:25:26.440
home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi

351
00:25:26.559 --> 00:25:30.880
Tom Martino here three O three seven
one three talk seven one three eight two

352
00:25:30.960 --> 00:25:33.680
five five. It's Nina's churn.
She wants to talk about a repair issue

353
00:25:34.400 --> 00:25:40.319
I believe with Hyundai. What's going
on? Nina? Oh? All,

354
00:25:40.319 --> 00:25:45.839
good morning, Hime. So this
is the this is the dilemma on facing

355
00:25:47.319 --> 00:25:52.920
Okay. On February fifteenth, I
was driving to my sister's house for her

356
00:25:52.960 --> 00:25:59.200
birthday dinner. And I was five
miles away from more house and my two

357
00:25:59.240 --> 00:26:03.079
thousand and four King Hyundai Tuson,
which has eighty two thousand miles on it.

358
00:26:03.920 --> 00:26:10.359
The check engine light came on and
started flashing. So I made it

359
00:26:10.400 --> 00:26:17.680
to my sister's house and I just
left it there for the evening and I

360
00:26:17.799 --> 00:26:23.440
called the Foundation Hundai. On Friday, February sixteenth, and I told them

361
00:26:23.480 --> 00:26:26.960
I was going to have my car
toad there. Well, the female that

362
00:26:27.039 --> 00:26:30.720
works in the service department said,
well, you don't have an appointment,

363
00:26:30.880 --> 00:26:34.319
we're not taking the car. And
I said, well, you have to

364
00:26:34.359 --> 00:26:37.920
take it because it's being told.
She goes, no, we're not taking

365
00:26:37.920 --> 00:26:40.000
it. Well, wait a minute. Why did you think they had to

366
00:26:40.039 --> 00:26:45.240
take it though? Well, because
it was a because in my mind,

367
00:26:45.359 --> 00:26:48.640
I thought, well, it's a
Hundai. The check engine light's coming on,

368
00:26:49.480 --> 00:26:52.599
so you know, and that's that's
the place I usually take it to.

369
00:26:52.960 --> 00:26:56.319
No, I understand that, But
you had it taken. You instructed

370
00:26:56.319 --> 00:27:00.799
them to take it there before you
at eb and called them. No,

371
00:27:00.799 --> 00:27:06.319
No, I called them before I
had a toad from my sister's house.

372
00:27:06.359 --> 00:27:10.839
I called Hyundai and female who as
the female who answered the phone said,

373
00:27:10.880 --> 00:27:12.799
because I did not have an appointment. No, I get that, but

374
00:27:12.880 --> 00:27:17.759
I know I understand that. So
when they told you not to toe it

375
00:27:17.799 --> 00:27:22.519
there, what did you do?
Well? Then I towed it to another

376
00:27:22.559 --> 00:27:29.000
garage accurate auto okay, which is
not too far from me. And where

377
00:27:29.039 --> 00:27:32.200
is it? Where is that located? What part of the town are you

378
00:27:32.240 --> 00:27:36.599
calling from? Denver or Springs or
where I'm calling from. I'm calling from

379
00:27:36.680 --> 00:27:38.240
Erie, Colorado, Eerie, Okay, got it? Okay, so you

380
00:27:38.279 --> 00:27:42.480
took it to another place and what
happened? Right? So then that morning

381
00:27:42.519 --> 00:27:49.079
around ten thirty, the mechanic from
Accurate Auto called me and he said,

382
00:27:49.119 --> 00:27:52.119
well, Nina, I've got some
good news and I got some bad news.

383
00:27:52.359 --> 00:27:56.039
And I said, okay, so
yeah, what is it? Good?

384
00:27:56.480 --> 00:28:00.480
He said, The good news is
your vehicle is The bad news is

385
00:28:00.839 --> 00:28:07.480
you're going to have to tow it
from us to Hyundai because the diagnostic testing

386
00:28:07.559 --> 00:28:12.599
came out that it is a bad
cart in your engine. Now, how

387
00:28:12.680 --> 00:28:18.359
many miles on this car? Eighty
two thousand? And is it still under

388
00:28:18.400 --> 00:28:25.960
warranty? Mark this two thousand?
What was the in service date? Like

389
00:28:26.359 --> 00:28:29.400
it's a twenty fourteen hundred, I'm
all going to come down to the in

390
00:28:29.559 --> 00:28:33.759
service date because it's roughly ten years. When was the in service date?

391
00:28:33.839 --> 00:28:37.440
I mean when when did you actually
did you buy this new? Yes?

392
00:28:37.519 --> 00:28:42.160
I did. I bought I bought
a July fourteenth in twenty fourteen. Okay,

393
00:28:45.079 --> 00:28:48.480
so it's under the ten years.
I would assume that it's under warranty.

394
00:28:48.119 --> 00:28:51.839
What so, what's the problem today? Hold on, we'll come back

395
00:28:51.880 --> 00:28:59.519
to that. I'm Tom Martinez Moore
coming up. Go with a sure thing

396
00:28:59.599 --> 00:29:03.039
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're

397
00:29:03.119 --> 00:29:11.079
content. Time for an insurance checkup
free, no obligation. In comparison,

398
00:29:11.200 --> 00:29:15.319
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

399
00:29:15.319 --> 00:29:18.440
now three oh three seven seven to
one. Help. You'll think you're his

400
00:29:18.559 --> 00:29:22.559
only customer when you choose Frank durand
the real estate Man dot com to list

401
00:29:22.599 --> 00:29:34.039
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

402
00:29:34.839 --> 00:29:41.400
Okay, I'm Tom Martino, your
troubleshooter three oh three seven one three talk

403
00:29:41.799 --> 00:29:48.799
seven one three A two five five. Well, Nina, it looks like

404
00:29:48.799 --> 00:29:52.240
your YNDAI will probably be in that
tenure warranty. So where does this stand

405
00:29:52.359 --> 00:29:56.519
right now? What is the problem? Why are you complaining? Well?

406
00:29:56.240 --> 00:30:00.400
So then when when the when the
accurate I'll cally, I had it toad

407
00:30:00.480 --> 00:30:06.319
from accurate auto because they had told
me they had called the court. I

408
00:30:06.319 --> 00:30:07.559
don't care about that. Where did
it go from accurate to where? I

409
00:30:07.559 --> 00:30:12.359
don't need to know the reason.
Where did it go too to Foundation?

410
00:30:12.480 --> 00:30:15.799
Hunts? Okay, good, now
is it now? What did Foundation do?

411
00:30:15.960 --> 00:30:21.519
Did they fix it under warranty?
No, they're they're fixing it under

412
00:30:21.559 --> 00:30:29.880
warranty. Why they're they're telling me
that they're diagnostic testing because their diagnostics machines

413
00:30:30.400 --> 00:30:33.240
cost anywhere from ten thousand. Okay, all that is that. I want

414
00:30:33.240 --> 00:30:37.359
to know what do they say?
Foundation says they will not fix it because

415
00:30:37.359 --> 00:30:44.960
their diagnostics says what that it's uh, it's my it's spark pluge, it's

416
00:30:45.039 --> 00:30:52.279
not what it's not this TSB that
came up. Okay, so get the

417
00:30:52.359 --> 00:30:56.519
spark plugs replaced. Who cares?
Well? I yes, I told them

418
00:30:56.519 --> 00:31:02.440
that. Okay, I told I
told the manager of the service department,

419
00:31:02.680 --> 00:31:07.039
okay, let's get it fixed.
And so then he said okay. He

420
00:31:07.160 --> 00:31:11.519
said, well, because you didn't
have an appointment, is here, but

421
00:31:11.599 --> 00:31:14.559
we can see your car till March
fourth. I said, okay, I

422
00:31:14.640 --> 00:31:18.759
understand that I can wait. So
March fourth came along, I didn't hear

423
00:31:18.799 --> 00:31:25.880
from them. I called Foundation Hundai
on March fifth and he's and Eric told

424
00:31:25.920 --> 00:31:29.440
me, oh, you know what, two of my mechanics were injured.

425
00:31:29.559 --> 00:31:32.960
One is back Okay, now,
Nina, without all, I don't need

426
00:31:33.000 --> 00:31:36.119
to know the entire history of their
workstaff. Here's what I need to know.

427
00:31:36.559 --> 00:31:40.519
Where does it stand today? Did
they ever get to it? They

428
00:31:40.599 --> 00:31:42.640
got to it, but now they're
saying that they're waiting for a part to

429
00:31:42.640 --> 00:31:47.920
come at. What are they doing
to it? What are they doing to

430
00:31:47.960 --> 00:31:55.200
it? He said that they're replacing
the spark plugs and that there was a

431
00:31:55.240 --> 00:32:00.160
slight leak in my oil pan,
which I said, I've never had in

432
00:32:00.359 --> 00:32:05.160
any oil leaks and he said it's
so slight that it would evacerate before it

433
00:32:05.319 --> 00:32:08.359
hit the ground. Well that's not
true. But Nina, Nina, I

434
00:32:08.400 --> 00:32:12.000
don't know what the hell they're saying. But I know Foundation went to hell

435
00:32:12.079 --> 00:32:15.359
in a handbasket. They used to
be a good organization. They suck.

436
00:32:15.000 --> 00:32:19.640
I don't know how that happens.
They go from hero to zero in such

437
00:32:19.680 --> 00:32:25.240
a short time. It just absolutely
amazed me. So here's all I need

438
00:32:25.279 --> 00:32:30.319
to know. When do they say
your car will be done? I received

439
00:32:30.359 --> 00:32:34.480
an email from the corporate office.
When do they say it's going to be

440
00:32:34.519 --> 00:32:37.319
done? When do they say it's
going to be done? They said in

441
00:32:37.359 --> 00:32:43.200
the email it might be done this
weekend. Okay. Now, are they

442
00:32:43.240 --> 00:32:49.680
fixing it under warranty? No,
because it's not a warranty issue, because

443
00:32:49.680 --> 00:32:53.680
it's normal warrant here. Well,
that's what they're saying. Okay. So

444
00:32:54.480 --> 00:32:59.279
if you get your car back and
it runs fine, everything's going to be

445
00:32:59.319 --> 00:33:02.160
good. But what you're upset about
is it's taking a long time. Is

446
00:33:02.160 --> 00:33:08.240
that what the essence of the call
is? Yes, Okay, I can't.

447
00:33:08.279 --> 00:33:12.640
They told her they told you not
to tow it in the very first

448
00:33:12.680 --> 00:33:15.559
place. Yeah, I know,
and then they thought you no, but

449
00:33:15.599 --> 00:33:20.119
then the wrong diagnosis by the other
company got it there. I don't know

450
00:33:20.160 --> 00:33:22.880
what they did wrong. To be
quick, they didn't do anything wrong.

451
00:33:22.000 --> 00:33:25.319
Okay. I was about to tell
her that, Nina, They're not doing

452
00:33:25.319 --> 00:33:30.440
anything wrong. Everyone is faced with
these delays, and it's a terrible situation.

453
00:33:30.119 --> 00:33:34.680
I think. The only here's what
I'm more concerned about. Here's what

454
00:33:34.720 --> 00:33:37.160
I'm more concerned about. But I
don't think this is happening. But I'm

455
00:33:37.200 --> 00:33:42.440
concerned about it, and that is
that your car does have a deeper problem.

456
00:33:42.759 --> 00:33:46.759
But the good news is you have
a record of this, and you

457
00:33:46.799 --> 00:33:52.920
have a record of the previous diagnostic
from the other place. Accurate. Therefore,

458
00:33:53.640 --> 00:33:58.240
if you do have a problem that
surfaces right after the warranty expires,

459
00:33:58.759 --> 00:34:04.039
you can make the argument that this
problem reared its ugly head while it was

460
00:34:04.119 --> 00:34:08.599
under warranty and foundation sluffed you off. Although I don't think that's what they're

461
00:34:08.599 --> 00:34:14.760
doing. My gut is telling me
I understand why you're upset, but they're

462
00:34:14.800 --> 00:34:17.679
not doing anything wrong. They truly
aren't. If you analyze the situation.

463
00:34:19.039 --> 00:34:23.719
They're simply delaying it after you get
it fixed. My recommendation is that we

464
00:34:23.800 --> 00:34:27.960
have one of our people check it
out to make sure it's in good shape.

465
00:34:28.119 --> 00:34:34.760
I'm Tom Martine Moore coming up.
Go with a sure thing Denver's Best

466
00:34:34.840 --> 00:34:37.880
roofer Excel Roofing dot com. You
don't pay a cent until you're content.

467
00:34:42.280 --> 00:34:45.400
Time for an insurance checkup free,
no obligation. In comparison, call Compass

468
00:34:45.440 --> 00:34:51.079
Insurance paying too much your coverage at
dozens of insurance companies find out now three

469
00:34:51.159 --> 00:34:53.960
O three seven seven to one help. You'll think you're his only customer when

470
00:34:54.000 --> 00:34:58.760
you choose Frank durand the Real estate
Man dot com to list your home with

471
00:34:58.880 --> 00:35:07.599
Remax Alliance three oh three nine two
zero sixteen twenty two yeah, ripped up,

472
00:35:08.800 --> 00:35:16.320
bad news, need advice, so
you don't have come running sustas as

473
00:35:16.400 --> 00:35:23.800
we can. Shooter's gonna help come. Man, this is the Troubleshooter Show.

474
00:35:24.440 --> 00:35:30.239
No Tom Martino, Hi, Tom
Martino here, Welcome to the show.

475
00:35:30.280 --> 00:35:32.440
Three oh three second three talk three
o three second three eight two five

476
00:35:32.480 --> 00:35:37.639
to five. So we have open
lines for the first time this morning.

477
00:35:37.719 --> 00:35:40.320
So that's good news. Well it's
not really good news. You can get

478
00:35:40.360 --> 00:35:43.760
your calls in. I mean,
it would be good news if no one

479
00:35:43.800 --> 00:35:45.559
had a problem. No problem.
Hey, hey, I want to bring

480
00:35:45.639 --> 00:35:52.440
something up. Yes, listen,
man, I watched all this coverage on

481
00:35:52.480 --> 00:35:58.039
this bridge in Maryland and it's absolutely
horrible. I cannot believe that happened.

482
00:35:58.119 --> 00:36:04.400
I understand that its power in this
cargo ship couldn't stop. In the video

483
00:36:04.519 --> 00:36:07.000
of that bridge coming down, and
they're finding cars. They found a car

484
00:36:07.039 --> 00:36:12.039
about an hour ago, or a
truck and the people that died. Now,

485
00:36:12.079 --> 00:36:15.199
I hate to say this, but
what it reminded me of is a

486
00:36:15.320 --> 00:36:20.400
video I saw of you way back
in the day. You look like you're

487
00:36:20.480 --> 00:36:27.159
twenty something. On early nineteen nineteen
eighty, I covered the Sunshine Skyway bridge

488
00:36:27.159 --> 00:36:30.880
collapse. I was the first one
on the scene, bar None and I

489
00:36:31.000 --> 00:36:36.079
got there and I picked up my
photographer on the way because we were eighteen

490
00:36:36.159 --> 00:36:39.559
minutes away. I pulled up on
the bridge before they had even cordined it

491
00:36:39.599 --> 00:36:45.400
off. And I drove up there
and saw that one car up there looked

492
00:36:45.440 --> 00:36:51.280
over the edge and mark that is
indelibly. It's in my mind. I

493
00:36:51.320 --> 00:36:57.719
can never erase it. I looked
down and horizontally under the water. In

494
00:36:57.719 --> 00:37:00.440
other words, just under the water. I could see Bobby up a bus.

495
00:37:01.440 --> 00:37:07.159
Oh my god, an entire bus. Yeah, and inside the bus

496
00:37:07.639 --> 00:37:14.800
were people bobbing. Oh my god. It is so similar. It's crazy.

497
00:37:14.960 --> 00:37:16.880
It looked like the bridge you were
at. I was watching the video

498
00:37:16.920 --> 00:37:21.400
and for folks out there, a
couple things. You got to see how

499
00:37:21.440 --> 00:37:25.559
similar this is to this recent one. Plus you're gonna see Tom way back

500
00:37:25.599 --> 00:37:30.360
in the day. To me,
he looks completely different. And if you

501
00:37:30.400 --> 00:37:35.760
go to our YouTube channel and just
type in Troubleshooter Network on the next break,

502
00:37:36.119 --> 00:37:38.159
I'm gonna actually play that video so
you can see it. But you

503
00:37:38.239 --> 00:37:43.119
got to go to YouTube, type
in Troubleshooter network and hit the live button.

504
00:37:43.440 --> 00:37:46.280
But Tom, I mean, it's
crazy. I think way more people

505
00:37:46.360 --> 00:37:50.599
died on that one. You covered. If I recall this, like thirty

506
00:37:50.679 --> 00:37:54.719
or forty thirty two people, I
believe it was mark. It was hard,

507
00:37:54.800 --> 00:37:59.719
crazy, it was horror hing.
Did they pull anybody out? Did

508
00:37:59.760 --> 00:38:04.679
you see anybody literally get rescued and
live? Oh? Yeah? I interviewed,

509
00:38:05.440 --> 00:38:07.760
Well, the one guy that car. You see, that guy ran

510
00:38:07.920 --> 00:38:10.239
back, you know, he got
out of his car. I tell the

511
00:38:10.239 --> 00:38:14.480
story a lot. He ran back
towards safety, you know, down the

512
00:38:14.480 --> 00:38:19.880
bridge, and as he got halfway
to safety, he realized he did not

513
00:38:20.039 --> 00:38:24.239
lock his car, and he ran
back to lock his car. That's how

514
00:38:24.280 --> 00:38:29.519
much shock he was in. I
interviewed him. Then I interviewed a guy

515
00:38:29.760 --> 00:38:36.320
who had a pickup truck that went
off the end and bounced onto the tanker

516
00:38:37.679 --> 00:38:44.039
and he fell out of his truck
before it hit the tanker. No,

517
00:38:44.320 --> 00:38:49.239
he was, It hit the tanker
and he fell out, was ejected from

518
00:38:49.239 --> 00:38:54.079
the truck and lived and in fact
was not seriously injured. I interviewed him.

519
00:38:54.840 --> 00:38:59.719
I'm razy, yep. And that
guy, what was that one caused

520
00:38:59.760 --> 00:39:02.440
by this one? They're saying the
ship lost power? What? What what

521
00:39:02.679 --> 00:39:07.079
caused that? I actually, let's
see, I'm not sure, I remember

522
00:39:07.119 --> 00:39:09.400
all of the years. I remember
there's the tanker ran into it or the

523
00:39:09.920 --> 00:39:15.159
Yeah, I think it was a
tanker and it ran into it, and

524
00:39:15.199 --> 00:39:20.760
of course it came tumbling down.
But I'm not sure what I think the

525
00:39:20.840 --> 00:39:27.320
guy may have been even prosecuted.
It was so long ago, and I

526
00:39:27.639 --> 00:39:30.639
did not bone up on the details
I should have because of this incident.

527
00:39:30.679 --> 00:39:36.159
But it's so similar. It's scary, man, it's crazy. Yeah,

528
00:39:36.199 --> 00:39:38.840
I know it. And and it's
it's scary. That's right, that's a

529
00:39:38.880 --> 00:39:44.000
good word for it. And it
is the thing that it is so similar.

530
00:39:44.039 --> 00:39:46.880
Now that bridge did not as I
remember, you know, I don't.

531
00:39:47.159 --> 00:39:52.199
I think there were alternate alternative ways
over that alternate ways highways in the

532
00:39:52.760 --> 00:39:58.639
in the video, it looks like
there's two bridges that are independent of each

533
00:39:58.679 --> 00:40:01.639
other, side by side, and
the first one from the direction the ship

534
00:40:01.719 --> 00:40:07.320
was coming is the one that collapsed
you're talking about on the Sunshine Skyway.

535
00:40:07.800 --> 00:40:13.559
On the Sunshine Skyway. So I
think what maybe one direction was one bridge

536
00:40:13.559 --> 00:40:16.000
and then the other the other way, or one was old one was new.

537
00:40:16.079 --> 00:40:21.480
I don't know. Yeah, but
here's the thing on the Baltimore one,

538
00:40:21.519 --> 00:40:24.440
here's what I want to know are
they are they saying there's no other

539
00:40:24.559 --> 00:40:28.079
way back and forth? What are
they saying? I mean, do people

540
00:40:28.119 --> 00:40:30.559
have to drive miles and miles and
miles and miles or what. It's really

541
00:40:30.639 --> 00:40:34.239
bad. I think they're going to
just have of course, they got to

542
00:40:34.239 --> 00:40:37.800
start rebuilding this thing. But I
think they said something like thirty five thousand

543
00:40:37.920 --> 00:40:43.480
people a day. It's really nuts. I don't know what they're going to

544
00:40:43.559 --> 00:40:47.800
do. And it's one of the
largest shipping areas in the country for containers.

545
00:40:47.880 --> 00:40:52.599
I mean, this is going to
affect all kinds of businesses, all

546
00:40:52.719 --> 00:40:55.360
kinds of jobs. This thing is
gonna it's just not good. I mean

547
00:40:55.639 --> 00:41:00.679
the death, of course is the
worst part, but going going down the

548
00:41:00.760 --> 00:41:06.679
road. This is really a bad
deal man. Yeah. I mean it's

549
00:41:06.840 --> 00:41:10.519
unbelievable. It's going to mess up
commerce. Yeah, it's going to have

550
00:41:10.559 --> 00:41:15.079
a lot of effects. So in
any case, let's talk to Robert.

551
00:41:15.199 --> 00:41:20.320
He he was working with Chopper on
a problem. Robert, go ahead,

552
00:41:20.320 --> 00:41:23.920
what's going on? And I still
haven't got my car back yet, Okay,

553
00:41:24.239 --> 00:41:28.239
and Robert, Robert, thanks for
jumping into this. But I got

554
00:41:28.280 --> 00:41:31.559
to figure out what we're talking about. So when did this problem. First,

555
00:41:31.559 --> 00:41:34.239
come out. I'm just going to
look for your call so I can

556
00:41:34.280 --> 00:41:37.920
look it up. And then his
deputy chopper around he can talk to us

557
00:41:37.920 --> 00:41:43.320
about it. He is off today
work. Okay. Is this where you

558
00:41:43.440 --> 00:41:47.239
damage your tires and wheels and also
damaged the door to made me make two

559
00:41:47.280 --> 00:41:52.719
claims? Yes, okay, because
you had a and then we had we

560
00:41:52.760 --> 00:41:54.920
wanted to know if that was normal, and they said yes, if they

561
00:41:54.960 --> 00:41:59.000
were two different incidents, even if
they're a week apart or a day apart,

562
00:41:59.360 --> 00:42:01.440
or even in the same day,
but hours apart, they can charge

563
00:42:01.440 --> 00:42:07.800
you two different deductibles. And your
insurance temper made you file that. So

564
00:42:07.920 --> 00:42:10.679
then you said, now, I
didn't know you had a secondary problem here.

565
00:42:12.079 --> 00:42:16.239
So you had a problem with the
shop. What shop is it?

566
00:42:17.400 --> 00:42:21.440
But the shop is the body shop
is my car has been done for a

567
00:42:21.440 --> 00:42:22.800
week in a day. Now,
Oh, oh, I know what it

568
00:42:22.920 --> 00:42:28.079
is? The claim they're not paying
it. You said, yes, and

569
00:42:28.199 --> 00:42:30.480
my car is ready and I need
to get rid of this rental car.

570
00:42:30.000 --> 00:42:34.280
Can't afford it three hundred dollars a
week. I'm over. I'm over three

571
00:42:34.320 --> 00:42:37.119
thousand dollars plus. Well, you
can always pay the body. You could

572
00:42:37.159 --> 00:42:42.679
always adopt and go after the insurance
company to stop the rental car billing.

573
00:42:44.639 --> 00:42:46.159
Oh, I mean my car.
I can't afford that. I don't have

574
00:42:46.199 --> 00:42:50.239
that kind of money. Did you
hear what Mark just said? How much?

575
00:42:50.280 --> 00:42:57.440
Hold on? How much is the
bill four with my deductibles? No,

576
00:42:58.199 --> 00:43:07.880
the entire bill with my deductible thirty
four hundred. Okay, and you

577
00:43:07.920 --> 00:43:12.800
don't have it to pay one thousand
dollars deductible. That's all. What I'm

578
00:43:12.800 --> 00:43:15.280
supposed to pay is five to five
hundred dollar deductibles. Well, I get

579
00:43:15.280 --> 00:43:22.159
it, so my car because insurance
hasn't paid the supplement payment. Okay,

580
00:43:22.599 --> 00:43:25.719
So I get the entire claim.
If you were to go in and you

581
00:43:25.760 --> 00:43:30.039
didn't have insurance right now, the
whole claim to get your car would be

582
00:43:30.119 --> 00:43:35.519
thirty four hundred. Is that right? Yeah? That maybe taxes. So

583
00:43:36.000 --> 00:43:38.920
pus storage day Storage days now stays
for storage because it's been over a week

584
00:43:39.199 --> 00:43:44.000
and nobody's taking it up. Nobody's
calling them back. Did we have Chopper

585
00:43:44.119 --> 00:43:47.800
call Temper insurance? Did anyone call
Temper Insurance for you? What are they

586
00:43:47.880 --> 00:43:52.039
telling you? Why are they saying
they're not paying it? No? No?

587
00:43:52.239 --> 00:43:55.920
Yeah, have you been able to
talk to Temper Insurance and it's under

588
00:43:55.920 --> 00:44:01.000
review for payment. But after they
and told the body shoff to do the

589
00:44:01.039 --> 00:44:05.360
work, now it's going to review. Huh, what are you talking about?

590
00:44:05.559 --> 00:44:08.119
What am I? I couldn't believe
it. Do you have an agent?

591
00:44:08.320 --> 00:44:12.079
A local agent? We went through
this before. Do you have a

592
00:44:12.119 --> 00:44:16.920
local agent's he's what's called. But
he has nothing to do with it,

593
00:44:17.119 --> 00:44:23.880
you don't. He says he can't
do anything. Okay, Robert, respectfully,

594
00:44:23.920 --> 00:44:30.480
he's full of crap. Your agent
is full of crap. He sold

595
00:44:30.519 --> 00:44:35.559
you the policy. He should be
able to talk to them. Who is

596
00:44:35.599 --> 00:44:43.239
your agent? Blacks? Who is
your agent? Name is Alex? My

597
00:44:43.320 --> 00:44:46.000
phone number? You want a phone
number? What I'm going to call?

598
00:44:46.119 --> 00:44:51.440
I'll call Alex on break, Kelly? What is the phone number? What

599
00:44:51.559 --> 00:44:55.360
is the name of his agency?
I don't know the name of the agency.

600
00:44:55.360 --> 00:44:58.639
I have been using them for seven
years. I just pay him my

601
00:44:58.719 --> 00:45:02.960
insurance eventy six months. Yeah,
well you shouldn't use him anymorel wait,

602
00:45:04.000 --> 00:45:07.440
wait, no, hold on,
do it off the air. Do it

603
00:45:07.480 --> 00:45:10.679
off the air. I'll call you
know what. He shouldn't use him anymore,

604
00:45:10.960 --> 00:45:15.119
Deputy Chopper, you have a comment. Go ahead, Chopper what's going

605
00:45:15.159 --> 00:45:22.599
on? Man? I've contacted both
the the autobody shop and I've tried and

606
00:45:22.719 --> 00:45:29.679
tried to get through Kempler. You
get the typical ignore. The body shop

607
00:45:29.800 --> 00:45:32.960
won't release it till they're paid and
there and they say they're waiting on Kempler.

608
00:45:34.320 --> 00:45:40.280
We somehow have to get through the
fence to get the Kempler. Did

609
00:45:40.320 --> 00:45:45.440
you call the agent? I'd never
was given an agent name. I was

610
00:45:45.679 --> 00:45:50.360
just I got the just the Keimfler. Okay, all right, fine,

611
00:45:50.440 --> 00:45:55.679
we should call the agent because that's
you know, he has to know something,

612
00:45:55.920 --> 00:45:59.960
and that's bs when he says I
can't do anything. Yeah, he

613
00:46:00.000 --> 00:46:04.000
he collects your money though, doesn'ty
You should dump them. You should dump

614
00:46:04.039 --> 00:46:08.159
them and go to Compass Insurance Group. And I'm not kidding because people like

615
00:46:08.239 --> 00:46:13.960
that, you do not want three
oh three seven one three talk three oh

616
00:46:13.960 --> 00:46:16.119
three seven one three eight two five
five. We have time for a lot

617
00:46:16.159 --> 00:46:20.360
of calls or text. You can
text at five seven seven three nine.

618
00:46:20.400 --> 00:46:23.519
I'm also taking messages on nextdoor.
If you have a nextdoor account, just

619
00:46:23.519 --> 00:46:29.599
look for Tom Martino. You can
message me or linked in also Tom Martino

620
00:46:29.679 --> 00:46:32.760
there, and of course my YouTube
morons know you can message me there and

621
00:46:32.800 --> 00:46:37.239
we'll talk about whatever you want.
So why don't we do that? Now?

622
00:46:37.280 --> 00:46:39.719
Listen, here's the deal. If
you have an insurance agent, that

623
00:46:39.920 --> 00:46:45.840
agent should help you get through to
the underwriter. That's my opinion. Probid

624
00:46:45.960 --> 00:46:51.000
Energy for your solar systems. They
can do a complete system with battery back

625
00:46:51.039 --> 00:46:53.320
up for twenty one thousand dollars for
most homes. That's after your tax,

626
00:46:53.360 --> 00:47:04.199
rebates and credits. That's Probidenergy dot
com. Go with a sure thing Denver's

627
00:47:04.239 --> 00:47:07.559
best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

628
00:47:10.960 --> 00:47:15.679
Time for an insurance check up,
free no obligation comparison call Compass Insurance

629
00:47:15.840 --> 00:47:21.000
paying too much your coverage at dozens
of insurance companies find out now three oh

630
00:47:21.000 --> 00:47:23.760
three seven seven to one help.
You'll think you're his only customer when you

631
00:47:23.840 --> 00:47:29.000
choose Frank durand the real estate Man
dot com to list your home with Remax

632
00:47:29.039 --> 00:47:37.559
Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here

633
00:47:37.599 --> 00:47:42.679
three O three seven one three top
three O three seven one three eight two

634
00:47:42.760 --> 00:47:51.239
five five. So we have Robert
who can't get his car mark. Did

635
00:47:51.280 --> 00:47:53.719
you call Alex or not I did. I left Alex a message. Hopefully

636
00:47:53.760 --> 00:47:58.199
I hear back from him, and
you know, we'll see what happened.

637
00:47:58.239 --> 00:48:01.400
We're just gonna Robert, he's gonna
be advocate. Yeah, we're gonna stay

638
00:48:01.400 --> 00:48:06.400
on top of it. I can't
promise anything, but man, this should

639
00:48:06.440 --> 00:48:10.639
tell you something. Drop that damn
insurance for sure, and then we'll just

640
00:48:10.760 --> 00:48:15.719
mark this pending until we hear.
Will give Alex a chance to respond to

641
00:48:15.800 --> 00:48:21.119
us. Three oh three seven one
three eight two five five. Charles needs

642
00:48:21.320 --> 00:48:23.840
medical advice. Uh, maybe we
can get him some. We don't give

643
00:48:23.880 --> 00:48:28.800
out medical advice directly, but Charles, let's see what you're talking about first.

644
00:48:28.880 --> 00:48:36.440
What's going on? Maybe one of
your listeners could leave anyway. I

645
00:48:36.599 --> 00:48:40.920
like to change cardiologists. They all
seen them the same. They say that

646
00:48:42.840 --> 00:48:45.920
class all is a bad guy,
and I hear it's not that bad.

647
00:48:46.480 --> 00:48:51.519
Oh, this is not medical advice. Okay, let me let me ask

648
00:48:51.559 --> 00:48:54.559
you some Charles. You have a
cardiologist that you want to change. Yeah.

649
00:48:54.840 --> 00:49:00.559
His opinion is, uh, he's
just looking at my class stall and

650
00:49:00.719 --> 00:49:06.239
my blood pressure and what is he
saying? That's all He's checking out the

651
00:49:06.280 --> 00:49:08.719
biggest thing he says, okay,
But what I'm asking you is this,

652
00:49:09.000 --> 00:49:15.559
do you have high cholesterol? I
have it own new control with a statins

653
00:49:15.960 --> 00:49:21.760
okay, And so are you saying
you're wondering about the controversy having to do

654
00:49:21.800 --> 00:49:27.920
with cholesterol. Why these old timeline
doctors that they said they had it wrong,

655
00:49:28.079 --> 00:49:30.679
that clestol is nothing. Okay.
Here's what I want to tell you,

656
00:49:30.760 --> 00:49:35.519
Charles. For the most part,
okay, for the most part,

657
00:49:35.800 --> 00:49:40.639
it's not going to be settled with
one doctor or another because there are differing

658
00:49:40.679 --> 00:49:45.719
opinions. But here's one thing that
I believe, Okay. I don't believe

659
00:49:46.599 --> 00:49:50.760
that controlling the cholesterol with a stat
and is going to be the end of

660
00:49:50.800 --> 00:49:54.079
the world. It's not gonna I
don't think it'll kill you. Well,

661
00:49:54.159 --> 00:49:58.039
that's sorry. Muscle aches, pain, stuff like that. Yeah, it

662
00:49:58.079 --> 00:50:02.159
can now listen. But let me
explain something else. It's there's a lot

663
00:50:02.199 --> 00:50:06.079
more to cholesterol than cholesterol, okay, and I don't want to get into

664
00:50:06.079 --> 00:50:09.079
it right now, but it has
to do with particle size and with certain

665
00:50:09.119 --> 00:50:15.239
things. But what cholesterol really is
is a healing agent. Cholesterol is a

666
00:50:15.280 --> 00:50:20.679
building block of life. Cholesterol is
not in and of itself, bad.

667
00:50:21.400 --> 00:50:29.079
The reason it became a bad actor
in many of the doctor's opinions is because

668
00:50:29.239 --> 00:50:37.440
when it rushes to your veins and
arteries to heal them from inflammation. Okay,

669
00:50:37.519 --> 00:50:44.159
when it does that, it coagulates
there to save yours. It's what

670
00:50:44.239 --> 00:50:49.719
it's doing. It's trying to heal
your veins. Okay, it's trying to

671
00:50:49.800 --> 00:50:55.280
heal them. As a result,
you have cholesterol and high cholesterol. But

672
00:50:55.440 --> 00:51:00.519
the real villain, truly, and
everyone will agree with it, is inflammation,

673
00:51:01.239 --> 00:51:07.920
not cholesterol. Cholesterol are the firemen
going to put out the fire.

674
00:51:07.280 --> 00:51:12.440
So if you had a barn that
was burning and you saw a bunch of

675
00:51:12.519 --> 00:51:17.159
firemen coming and you said, oh
my god, firemen mean there's a fire,

676
00:51:17.440 --> 00:51:21.920
So I'm going to kill the fireman. When you kill the fireman,

677
00:51:22.639 --> 00:51:30.400
it doesn't stop the burning. So
what I'm getting at is controlling cholesterol alone,

678
00:51:30.480 --> 00:51:35.519
if you had an unnecessary build up
or an unusual build up, is

679
00:51:35.559 --> 00:51:39.679
not going to help the underlying problem. So where the problem is is where

680
00:51:39.719 --> 00:51:46.599
people treat the cholesterol and not the
inflammation. The number one problem with us

681
00:51:46.679 --> 00:51:53.199
today is inflammation for all disease.
Inflammation. What does that mean? It

682
00:51:53.320 --> 00:52:00.480
means that our veins and arteries are
inflamed, our circulatory system have inflammatory mons

683
00:52:00.719 --> 00:52:07.119
why, there's a whole bunch of
reasons. The number one reason, yeah,

684
00:52:07.159 --> 00:52:10.159
but the number one reason for inflammation, well, there's two big reasons.

685
00:52:10.199 --> 00:52:15.920
One is improper dental care. Okay, gums, So I don't have

686
00:52:16.000 --> 00:52:22.000
any what's that? I have implants? I don't have anything. You could

687
00:52:22.000 --> 00:52:24.639
have terrible inflammation in your mouth.
You could have terrible gums. I don't

688
00:52:24.639 --> 00:52:29.480
know what your mouth is. But
that's okay. Tent says, I'm all

689
00:52:29.559 --> 00:52:32.159
right on that. Well, okay, okay, but most people aren't.

690
00:52:32.199 --> 00:52:36.719
Okay, most people aren't, but
you're fine. The number two problem I'm

691
00:52:36.719 --> 00:52:40.119
going to tell you with inflammation,
if you'd like to hear, is glycation.

692
00:52:42.000 --> 00:52:44.559
I'm not going to get into a
whole medical thing. Look it up.

693
00:52:44.599 --> 00:52:50.119
Glycation. It's basically too much sugar. Okay, that's really basically what

694
00:52:50.199 --> 00:52:52.719
it is. Okay, So I
don't like I said. So that's the

695
00:52:52.800 --> 00:52:58.679
controversy. If you're looking for another
cardiologist, I wouldn't because you're never going

696
00:52:58.760 --> 00:53:01.320
to get them to agree anyway.
It sounds like this guy's doing a reasonable

697
00:53:01.400 --> 00:53:05.679
job, and if you want another
one, you talk to your primary care

698
00:53:05.760 --> 00:53:15.159
physician for that three oh three seven
one three eight two five five. Go

699
00:53:15.280 --> 00:53:19.519
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

700
00:53:19.559 --> 00:53:25.320
a cent until you're content. Time
for an insurance check up free, no

701
00:53:25.400 --> 00:53:30.320
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

702
00:53:30.360 --> 00:53:34.679
of insurance companies find out now three
oh three seven to seven to one.

703
00:53:34.760 --> 00:53:37.440
Help. You'll think you're his only
customer when you choose Frank durand the real

704
00:53:37.519 --> 00:53:43.079
estate Man dot com to list your
home with Remax Alliance three oh three nine

705
00:53:43.119 --> 00:53:52.000
two zero sixteen twenty two. Hi
Tom Martino, you're troubleshooter. We have

706
00:53:52.199 --> 00:53:54.880
with US Retirement Planning Center of the
doctors have a few questions that we're facxing.

707
00:53:54.920 --> 00:53:57.400
We'll get to in a minute.
Here, I want to go right

708
00:53:57.440 --> 00:54:01.159
to uh Laura, who has a
landlord question about the new laws coming up.

709
00:54:01.199 --> 00:54:07.000
Go ahead, Laura, what's going
on with you? Hi? Thank

710
00:54:07.039 --> 00:54:09.400
you so much for taking my call. I'm a landlord and I've been a

711
00:54:09.480 --> 00:54:14.400
landlord for like twenty some years,
and I have a question about all of

712
00:54:14.440 --> 00:54:17.400
these new laws that are coming up
and what all I can put in my

713
00:54:17.559 --> 00:54:22.079
lease. So one of my main
questions is some of the fees that are

714
00:54:22.119 --> 00:54:27.400
allowed. Now we should get Brad
O'Brien on for this. Yeah, he's

715
00:54:27.440 --> 00:54:31.599
not available today. I already texted
him. He's available tomorrow. So a

716
00:54:31.639 --> 00:54:37.079
lot of these are not laws yet. The House has the Colorado House has

717
00:54:37.119 --> 00:54:43.480
introduced a bunch of bills. Are
you speaking of anything specifically that has been

718
00:54:43.559 --> 00:54:47.800
passed. Yes, So one of
my questions is is out of the last

719
00:54:49.320 --> 00:54:52.360
set of rules that was passed,
it was saying that you couldn't put any

720
00:54:52.400 --> 00:54:55.639
more fees in there, like lift
out any sort of fees. And part

721
00:54:55.639 --> 00:54:59.159
of that is so they can get
rid of all the junkies, which I

722
00:54:59.239 --> 00:55:01.639
understand. But in my particular lease, I had to fee in there for

723
00:55:01.760 --> 00:55:07.079
like a lease break fee, you
know, that they would lose their deposit

724
00:55:07.239 --> 00:55:09.559
and maybe two month's rent, you
know, or I had to come Well

725
00:55:09.719 --> 00:55:15.599
way which law But which law are
you specifically referring to? Well, maybe

726
00:55:15.679 --> 00:55:20.159
I'm just confused. I thought there
was a law that was passed that said

727
00:55:20.400 --> 00:55:24.440
that you can no longer have fees
listed in there that you can't have.

728
00:55:24.800 --> 00:55:29.840
That's going back. What that's going
back to like twenty twenty, though I

729
00:55:29.920 --> 00:55:34.679
know that's what I'm trying to figure
out. What says the landlord shall not

730
00:55:34.760 --> 00:55:39.559
require a tenant or mobile homeowner to
pay any fee or other charge other than

731
00:55:39.599 --> 00:55:45.719
the rent, except that a landlord
may require a tenant of a mobile homeowner

732
00:55:45.039 --> 00:55:52.559
to pay a U space fee that
is described in the rental agreement. See

733
00:55:52.599 --> 00:55:58.119
here's the deal. Okay, So
I take that that statement, and then

734
00:55:58.519 --> 00:56:02.239
does that say that I can not
have a lease break fee or that I

735
00:56:02.239 --> 00:56:06.840
cannot say, you know, I'm
going to charge you three hundred dollars for

736
00:56:06.960 --> 00:56:09.480
cleaning if you don't clean the place
before you leave. No. I think

737
00:56:09.519 --> 00:56:14.719
if it's spelled out in Tom by
the way, it's HB twenty dash one

738
00:56:14.800 --> 00:56:20.800
one four one HB twenty Okay,
yeah, dash one one four one.

739
00:56:20.880 --> 00:56:23.119
But no, my understanding. And
now we're going, I mean, really,

740
00:56:23.239 --> 00:56:30.280
you're this is like COVID times.
You can put like a late fee

741
00:56:30.320 --> 00:56:32.159
in there, but the late fee
can only be a certain amount. I

742
00:56:32.199 --> 00:56:36.239
think it's like, you know,
eighty bucks or three yea. I'm looking

743
00:56:36.239 --> 00:56:37.840
at it right here, and I
think, Mark, the main deal of

744
00:56:37.880 --> 00:56:43.559
this is that they have to be
spelled out you can't just if you more

745
00:56:43.599 --> 00:56:46.000
of a clarification what I was gonna
say, If it's not in the lease

746
00:56:46.480 --> 00:56:50.480
and it's not already laid out,
you can't all of a sudden come up

747
00:56:50.519 --> 00:56:53.039
with a new fee. No,
no, mine, We're spelled out in

748
00:56:53.159 --> 00:56:58.400
the lease. Mine said. You
know it's always best. Did you when

749
00:56:58.519 --> 00:57:00.960
was the last time who made up
that least for you? By the way,

750
00:57:00.960 --> 00:57:04.079
did you have an attorney make it
up? No? I made it

751
00:57:04.159 --> 00:57:07.760
up. Well, that's a bad
thing to do because you could lose all

752
00:57:07.800 --> 00:57:13.079
of your rights when you have to
evict people. You need to really get

753
00:57:13.159 --> 00:57:17.920
an attorney like Brad O'Brien O'Brien Legal
Services to go over It won't cost you

754
00:57:17.960 --> 00:57:23.000
a lot to go over a lease
and make it legal according to today's laws.

755
00:57:23.360 --> 00:57:25.920
You know what's coming up, Laura. Have you heard about the one

756
00:57:27.480 --> 00:57:31.719
that says basically, you cannot evict
or terminate a lease. It has to

757
00:57:31.760 --> 00:57:37.440
go on and on and on unless
you have a specific cause and they outline

758
00:57:37.480 --> 00:57:40.079
what the causes are. You can't. Even if you just don't want a

759
00:57:40.159 --> 00:57:45.239
lease anymore, you can't do that. Our governor's not going to sign that.

760
00:57:45.320 --> 00:57:49.039
As much as I can stand the
guy. There's no way. I

761
00:57:49.559 --> 00:57:52.599
read about that too, and I
have a question about that too, And

762
00:57:52.639 --> 00:57:54.639
then what if they're just are that's
not a law yet? What is your

763
00:57:54.719 --> 00:58:00.119
question about it? Well, the
question would be if they do pass that,

764
00:58:00.239 --> 00:58:01.719
and I have people that are on
months to month, which I do

765
00:58:01.840 --> 00:58:06.039
that on purpose. Once their one
year lease expires, I just keep them

766
00:58:06.039 --> 00:58:07.760
on months months, because then no, month to month is no longer.

767
00:58:07.800 --> 00:58:12.880
Month to month, month to month
is forever unless you want to move back

768
00:58:12.920 --> 00:58:16.519
into your property. Under certain circumstances, you can't just say, hey,

769
00:58:16.559 --> 00:58:21.719
my son wants to move there.
You have to have a good I don't

770
00:58:21.719 --> 00:58:23.000
want to go through the law,
but you have to have a good reason

771
00:58:23.039 --> 00:58:27.119
to get rid of them. So
you can't just even if you just want

772
00:58:27.159 --> 00:58:29.679
to get rid of them, if
you don't want to rent anymore. I

773
00:58:29.760 --> 00:58:32.440
have to correct you there time.
It's not a law, No, that's

774
00:58:32.480 --> 00:58:36.880
what I meant an act. Yeah, it's a bill, right, So

775
00:58:37.760 --> 00:58:42.280
it's not a law yet, Laura, Yeah, but when it, I

776
00:58:42.320 --> 00:58:45.639
guess when it becomes a lot,
then you're saying there's no more months to

777
00:58:45.639 --> 00:58:49.239
months. So then if so,
then I would have to well, no,

778
00:58:49.280 --> 00:58:52.800
there is a month to month.
There is a month to month you

779
00:58:52.920 --> 00:58:55.400
can terminate at the end. See
let me explain this. If you had

780
00:58:55.440 --> 00:58:59.360
a one year lease under the new
if it became a new law and you

781
00:58:59.400 --> 00:59:02.079
had a one year you would have
to deal with this at the end of

782
00:59:02.199 --> 00:59:07.840
the lease. If you wanted to
just trade tenants for a better tenant or

783
00:59:07.880 --> 00:59:09.639
a friend or a neighbor, you
can't do it. If you want to

784
00:59:09.679 --> 00:59:13.559
just take your property back, you
have to have a good reason. Okay,

785
00:59:13.599 --> 00:59:17.119
I'm just telling you the law gets
into your rights. Now. If

786
00:59:17.159 --> 00:59:22.119
it's month to month, the same
thing, you you get to address it

787
00:59:22.199 --> 00:59:27.199
every month. So it is there's
still a benefit to having a month to

788
00:59:27.239 --> 00:59:34.039
month Okay. So for then when
you say that, so the new proposal

789
00:59:34.039 --> 00:59:37.360
would be that you have to give
so many ninety days notice. So my

790
00:59:37.480 --> 00:59:39.559
question on that would be no,
that is not no. No, it

791
00:59:39.559 --> 00:59:45.519
has nothing to do. There are
some notice requirements, but that is not

792
00:59:45.639 --> 00:59:47.920
the real That is not a big
deal. You still have to give notice

793
00:59:47.960 --> 00:59:53.679
requirements. Now you know this.
Guy Dave hold on Guys Dave on a

794
00:59:53.760 --> 01:00:00.880
YouTube says that the Republicans have inserted
an amendment that permits in a eleven month

795
01:00:00.320 --> 01:00:06.840
quote trial period for new tenants.
They can be evicted without cause before twelve

796
01:00:06.920 --> 01:00:09.719
months. So once again, this
thing is just negotiations at this point.

797
01:00:13.000 --> 01:00:17.480
Yeah, I wouldn't even worry about
it now, Laura. So going back

798
01:00:17.519 --> 01:00:22.440
to the question that I have from
the from the last thing that passed during

799
01:00:22.480 --> 01:00:25.239
COVID, is there anything that,
like, is it legal for me to

800
01:00:25.360 --> 01:00:29.960
have in my lease that says,
you know, if you break your lease,

801
01:00:30.039 --> 01:00:32.920
I'm gonna charge you. We can't. We can't tell you that,

802
01:00:34.000 --> 01:00:38.039
Laura. We can't tell you that. Specifically, you have to Everything in

803
01:00:38.119 --> 01:00:43.519
there about fees is highly regulated.
You have to do it according to the

804
01:00:43.599 --> 01:00:46.880
law. You can't you can't even
evict someone for fees. Let's say they

805
01:00:46.920 --> 01:00:52.159
have a late fee every month and
they never pay their late fee. You

806
01:00:52.199 --> 01:00:54.639
can't add interest to them. They
can only be a certain amount, and

807
01:00:54.880 --> 01:00:59.440
as long as they've actually paid the
rent, not the fees, you can't

808
01:00:59.440 --> 01:01:02.599
even evict them for nonpayment. My
suggestion, what we're trying to get We're

809
01:01:02.599 --> 01:01:07.280
not trying to be koy here.
What we're saying is this, in general,

810
01:01:07.760 --> 01:01:12.360
you can charge many, many fees, but specifically they have to be

811
01:01:12.440 --> 01:01:16.599
worded and you have certain limitations of
rights. When it comes to enforcing them,

812
01:01:17.000 --> 01:01:23.440
it's best to get an attorney to
go through your lease and make it

813
01:01:23.519 --> 01:01:28.119
legal. So in general, yes, you can charge fees, but you

814
01:01:28.320 --> 01:01:34.159
have to do it in a very
specific way. Three oh three seven one

815
01:01:34.280 --> 01:01:37.239
three talk three oh three seven one
three A two five five. So Retirement

816
01:01:37.239 --> 01:01:39.480
Planning Center of the Rockies is with
us. I want to go over this,

817
01:01:39.519 --> 01:01:43.679
plus Blake and Jill want to talk
about their taxes. But first,

818
01:01:44.800 --> 01:01:50.000
Jaris Hanson with rpcenter dot com.
What are the three buckets? Now?

819
01:01:50.480 --> 01:01:53.000
People? One of the big deals, whether it be an annuity, or

820
01:01:53.039 --> 01:01:57.320
whether it be savings, or whether
it be an investment account, one of

821
01:01:57.320 --> 01:02:00.920
the big deals people want is to
have money can draw out. If you

822
01:02:01.079 --> 01:02:05.800
simply exhaust an account, you will
run out of money. Most of the

823
01:02:05.840 --> 01:02:09.000
time. You won't have enough money
for retirement unless you're just ultra wealthy.

824
01:02:09.719 --> 01:02:15.000
Or here's the deal, if you
have certain ways to preserve that money,

825
01:02:15.079 --> 01:02:21.000
it could last you. Our PCE
center does what they call the three bucket

826
01:02:21.079 --> 01:02:25.079
solution. That's one of their strategies. Explain it in a really stupid way

827
01:02:25.119 --> 01:02:30.519
for me, and you know what
I mean, very simple and briefly,

828
01:02:30.639 --> 01:02:35.760
what is the three bucket solution?
Definitely, so everybody's got money in multiple

829
01:02:35.760 --> 01:02:39.039
places, but there's really only three
main areas that are that are there.

830
01:02:39.239 --> 01:02:43.639
You've got safety, which are things
like money in the bank, CDs,

831
01:02:43.719 --> 01:02:46.159
money market accounts, things that are
liquid and accessible and ready to go.

832
01:02:46.320 --> 01:02:50.840
Could an annuity be considered safety or
not? We don't put it in the

833
01:02:50.880 --> 01:02:54.400
safety okay, okay. So the
second bucket is income, which is where

834
01:02:54.400 --> 01:02:59.039
an annuity would fit. Other income
producing assets fit there. This is where

835
01:02:59.039 --> 01:03:01.000
we will put your social Security,
if you've got a pension, or maybe

836
01:03:01.039 --> 01:03:05.840
some dividends yep, things that generate
income. And then the third bucket is

837
01:03:05.920 --> 01:03:09.159
growth. The growth bucket is where
we put money that we're going to need

838
01:03:09.199 --> 01:03:13.920
but we don't need right now.
For income, what I prefer to do

839
01:03:14.000 --> 01:03:16.360
and what we do at Retirement Planning
Center is we'll get income set up.

840
01:03:16.400 --> 01:03:20.800
So you've got Social Security and if
you've got any pensions, whatever, and

841
01:03:20.880 --> 01:03:23.119
whatever the case, you got income. But we want to make sure that

842
01:03:23.119 --> 01:03:27.280
you've got as much of your income
guaranteed as possible and as much as you're

843
01:03:27.280 --> 01:03:30.519
comfortable with, so that if the
market does crash, we're not relying on

844
01:03:30.559 --> 01:03:32.840
money out of the market to cover
the income that we need. What that

845
01:03:32.920 --> 01:03:37.400
allows us to do is have time
in the market with the money that's in

846
01:03:37.480 --> 01:03:40.119
the market and not have to worry
about relying on that for income during retirement.

847
01:03:40.199 --> 01:03:43.920
It makes a big difference as far
as how people can sleep at night,

848
01:03:44.000 --> 01:03:46.639
and it helps people make that money
less than in three different buckets,

849
01:03:46.639 --> 01:03:51.320
correct ye anyway? Three all three
seven one three eight two five five.

850
01:03:51.480 --> 01:03:54.800
I'm Tom Martino and water Pros will
do a whole house water system for about

851
01:03:54.840 --> 01:03:58.519
thirty four hundred bucks. You can
get in fact, for less than that.

852
01:03:58.559 --> 01:04:00.400
You can get rid of all the
chemical the pfas they call them,

853
01:04:00.400 --> 01:04:04.239
get rid of, nanoplastics, get
rid of depending on the level of system

854
01:04:04.280 --> 01:04:08.239
you need. One thing I will
tell you water Pros will do it for

855
01:04:08.280 --> 01:04:14.079
about in my opinion, five times
cheaper than a plumber, sometimes even better

856
01:04:14.119 --> 01:04:17.039
than that. Waterpros dot net three
O three eight six y two five fifty

857
01:04:17.079 --> 01:04:27.280
five four Go with a sure thing
Denver's best roofer Excel roofing dot com.

858
01:04:27.320 --> 01:04:33.079
You don't pay a cent until you're
content. Time for an insurance check up,

859
01:04:33.199 --> 01:04:39.599
free no obligation comparison call Compass insurance
paying too much your coverage at dozens

860
01:04:39.599 --> 01:04:42.920
of insurance companies. Find out now
three oh three seven to seven to one

861
01:04:43.039 --> 01:04:45.679
help. You'll think you're his only
customer when you choose Frank durand the real

862
01:04:45.760 --> 01:04:50.360
estate Man dot com to list your
home with Remax Alliance three oh three nine

863
01:04:50.360 --> 01:05:01.199
two zero sixteen twenty two. All
right, three three seven one three a

864
01:05:01.280 --> 01:05:05.880
two five five look, coming up
on this break, Coming up on this

865
01:05:05.960 --> 01:05:11.079
break, I'm gonna play this video
from Tom on a local news station.

866
01:05:11.239 --> 01:05:16.559
Hold on Tom, local news station
from nineteen eighty about the Sunshine Bridge.

867
01:05:16.559 --> 01:05:20.639
He was covering it. Thirty two
people died on it. But it's very

868
01:05:20.679 --> 01:05:25.800
similar to the one that is happening
right now in Baltimore or in Maryland.

869
01:05:26.039 --> 01:05:30.480
And my goodness, when you get
a look at Tom with hair and not

870
01:05:30.679 --> 01:05:33.559
gray hair, it's gonna be,
uh, it's pretty amazing. So that'll

871
01:05:33.559 --> 01:05:38.760
be coming upright at the noon hour. Yeah, and you're gonna be doing

872
01:05:38.760 --> 01:05:42.199
that online on YouTube. Yes.
Oh, I'm sorry, Thank you,

873
01:05:42.239 --> 01:05:45.719
Tom. You need to go to
troubleshooter dot com. I'm sorry. Go

874
01:05:45.760 --> 01:05:50.559
to YouTube and then type in Troubleshooter
network and you'll see today's live show.

875
01:05:50.679 --> 01:05:56.199
We do every show every day.
Hey, Blake and Jill, what's going

876
01:05:56.239 --> 01:06:01.480
on with your taxes? Yeah?
Hi, Hi, what's going on?

877
01:06:02.679 --> 01:06:08.719
Well, we went to file our
taxes. Our tax lady started to file

878
01:06:08.760 --> 01:06:15.840
our taxes and she said that the
IRS rejected it. It said that Blake's

879
01:06:15.880 --> 01:06:24.480
Social Security number was used on another
return. This is happening more and more

880
01:06:24.519 --> 01:06:27.960
frequently. Have you noticed this?
Mark? Have you noticed? We had

881
01:06:28.000 --> 01:06:33.280
a few calls about this big time? You know where? You know who

882
01:06:33.360 --> 01:06:39.719
has it? Right? You know
who? Probably from how they got your

883
01:06:39.800 --> 01:06:44.599
number and started you what's that?
We don't know who has it. We're

884
01:06:44.639 --> 01:06:48.159
just wondering how we can find out. Okay, here's what I'd like to

885
01:06:48.239 --> 01:06:53.800
know, I mean like to do. I think that there is a way

886
01:06:53.800 --> 01:06:58.440
by the way, private private eyes
have a way of tracking socials. But

887
01:06:58.599 --> 01:07:00.639
I'm not going to get into that
right now. What I'd like because otherwise

888
01:07:00.840 --> 01:07:05.519
you're not going to take matters into
your own hands. But the IRS should

889
01:07:05.559 --> 01:07:11.840
know and should investigate. Did they
offer to investigate for you? No,

890
01:07:12.159 --> 01:07:17.000
we tried to call them and we
just get a recording about did you follow

891
01:07:17.079 --> 01:07:23.000
your taxes or you know? It's
okay, I want to talk to Larson

892
01:07:23.079 --> 01:07:28.960
Tax Relief and ask them we have
an expert. We have some experts at

893
01:07:29.039 --> 01:07:32.760
Larson Tax Relief. They're pretty good
people and I think they can help us

894
01:07:32.840 --> 01:07:36.280
with this, or at least point
us in the right direction. So if

895
01:07:36.320 --> 01:07:40.840
you hang on, we'll get a
hold of them. Three oh three seven

896
01:07:40.840 --> 01:07:43.719
to one to three talk all of
your calls, get them in. We

897
01:07:43.760 --> 01:07:47.679
want to take and help you,
just like with this one, So stick

898
01:07:47.719 --> 01:07:51.960
around on the Troubleshooter Show three oh
three seven one to three talks seven one

899
01:07:53.039 --> 01:08:03.079
three eight two five five. Go
with a sure thing Denver's Best roofer Excel

900
01:08:03.199 --> 01:08:11.119
Roofing dot com. You don't pay
a cent until you're contenta time for an

901
01:08:11.119 --> 01:08:15.520
insurance check up, free no obligation
comparison call Compass Insurance paying too much your

902
01:08:15.520 --> 01:08:19.840
coverage at dozens of insurance companies find
out now three oh three seven seven one

903
01:08:19.960 --> 01:08:24.600
help. You'll think you're his only
customer when you choose Frank durand the Real

904
01:08:24.680 --> 01:08:29.239
Estate Man dot com to list your
home with Remax Alliance three oh three nine

905
01:08:29.279 --> 01:08:41.720
two zero sixteen twenty two rip.
You need advice who you don't have to

906
01:08:43.800 --> 01:08:51.760
come Runnings as can Shooter's gonna help. Come man, This is the Troubleshooter

907
01:08:51.840 --> 01:08:59.279
Show. No Tom Martino, Hi, Tom Martino Here three oh three seven

908
01:08:59.319 --> 01:09:01.319
one three talk three O three seven
one three eight two five five. Welcome

909
01:09:01.359 --> 01:09:05.319
to the show. Uh. Here
is a show where we solve problems,

910
01:09:05.319 --> 01:09:09.319
answer questions, take complaints, and
make your life a little easier. All

911
01:09:09.359 --> 01:09:12.079
you have to do is give us
a call. And we've been doing it

912
01:09:12.119 --> 01:09:16.239
every day for right now, going
on forty five years in Denver and elsewhere

913
01:09:16.279 --> 01:09:21.840
longer. In fact, we have
a lot to talk about today. We

914
01:09:21.880 --> 01:09:27.039
have retirement Planning Center of the Rockies
with us plus all of your calls,

915
01:09:27.079 --> 01:09:32.159
and we had a lot of exciting
discussions. We're also going to get somebody

916
01:09:32.239 --> 01:09:39.319
to help with Jill and Blake,
who have an income tax question. Uh,

917
01:09:39.840 --> 01:09:42.600
here's a problem, Larsen. Right
now we don't have anyone available,

918
01:09:42.640 --> 01:09:45.960
but I'm wondering what we do about
that. So I'm gonna, uh,

919
01:09:46.239 --> 01:09:48.479
We're going to get them back,
but I want to talk to them first

920
01:09:48.520 --> 01:09:53.600
because I want other people to listen. When we get our experts back on

921
01:09:54.119 --> 01:09:57.319
tomorrow and Blake and Jill, we're
going to be doing some research on this.

922
01:09:57.760 --> 01:10:00.439
We've had a number of calls on
this, so it's about time we

923
01:10:00.920 --> 01:10:06.079
address it. And to make a
long story short, you your your your

924
01:10:06.239 --> 01:10:11.720
filing was rejected. Did the irs
basically say you could not file your tax

925
01:10:11.800 --> 01:10:19.760
return because it has uh a social
Security number that has been used. My

926
01:10:19.960 --> 01:10:26.640
tax lady just took Blake off of
my taxes and then it went through.

927
01:10:28.119 --> 01:10:32.520
So it went through, but it
only went through with Oh, but it

928
01:10:32.640 --> 01:10:38.439
only went you through with you in
other words, in other words, you

929
01:10:38.600 --> 01:10:42.840
had to do it, did you, Well, did you list Blake as

930
01:10:42.920 --> 01:10:46.840
income or did you do it totally
without him? Uh? Well, she

931
01:10:47.039 --> 01:10:50.600
just took him off of it,
then off of my taxes, and then

932
01:10:50.640 --> 01:10:55.279
I went ahead and she went ahead
and filed them for me and it went

933
01:10:55.359 --> 01:10:59.039
through. But well, I understand
that, but did you do it asn't?

934
01:10:59.279 --> 01:11:01.079
Did you do it with only your
income or did you do it for

935
01:11:01.119 --> 01:11:05.439
the household? Yeah, we did
it for the household. We did it

936
01:11:05.520 --> 01:11:14.039
okay, so you did accomplish its
disability. I might so have a disability.

937
01:11:14.159 --> 01:11:18.760
So this is what my tax lady
said. She said, just so

938
01:11:19.000 --> 01:11:26.239
you know, the difference in your
federal return was about twelve hundred dollars after

939
01:11:26.359 --> 01:11:30.479
removing your husband. I would try
to find out who is claiming him.

940
01:11:31.000 --> 01:11:33.960
Oh, in other words, you
would have gotten twelve hundred dollars more.

941
01:11:35.279 --> 01:11:43.239
Yes, someone stole their money.
I'm getting twelve hundred dollars Mark. I'm

942
01:11:43.239 --> 01:11:46.159
not sure they filed in his name
or just used their the number for their

943
01:11:46.199 --> 01:11:51.079
own. Do you know what I'm
saying? Yes, I think maybe they're

944
01:11:51.159 --> 01:11:57.319
claiming him. Well, if that's
the case, it goes back to what

945
01:11:57.359 --> 01:12:00.560
I said. It's because it's probably
an illegal that he is a social But

946
01:12:00.680 --> 01:12:04.000
the reason for rejecting it the first
time, I want to get this straight.

947
01:12:04.359 --> 01:12:11.399
They were a newcomer. I'm sorry, newcomer. The reason they rejected

948
01:12:11.399 --> 01:12:14.479
it to begin with. Let me
get it straight was they said that the

949
01:12:14.560 --> 01:12:19.680
social Security number had been used already. Yes, it was being used on

950
01:12:19.800 --> 01:12:30.640
another tax return. Did they say
it was in his name? Uh no,

951
01:12:30.520 --> 01:12:38.119
she just said it was being used
in another tax return. So evidently

952
01:12:38.159 --> 01:12:43.680
someone else is claiming him. But
that's what I don't understand. The part

953
01:12:43.680 --> 01:12:49.800
about claiming him. They might be
a simple mistake. You know, when

954
01:12:49.880 --> 01:12:57.000
you contacted the I R S.
Did you did you contact their identity theft

955
01:12:57.079 --> 01:13:00.560
number? No? We didn't.
We didn't have it, and we tried

956
01:13:00.600 --> 01:13:05.800
to contact him. And here here's
the number. Here's the number specifically for

957
01:13:05.960 --> 01:13:14.319
identity theft. Okay, hold on
right, this is what there we go.

958
01:13:14.920 --> 01:13:20.239
One of my experts just texted this
to me. Eight hundred nine zero

959
01:13:20.399 --> 01:13:31.399
four four four nine zero. Also, also, there's a form that you

960
01:13:31.600 --> 01:13:35.319
use. And even if you're not
sure it's identity theft, it could be

961
01:13:35.359 --> 01:13:40.479
a mistake. You still use the
identity theft phone number I gave you.

962
01:13:40.880 --> 01:13:45.279
And here's a form you can fill
out. It's for specifically when you suspect

963
01:13:45.960 --> 01:13:56.760
identity theft. It's one. It's
form one four zero three nine. Okay.

964
01:13:56.800 --> 01:14:00.079
And where would I get that?
Well, you're tax repair should have

965
01:14:00.119 --> 01:14:03.359
it. Maybe you can download it
online. I'm not sure. Actually,

966
01:14:03.560 --> 01:14:08.560
I really am not sure where you
get tax forms anymore. But I suspect

967
01:14:08.600 --> 01:14:13.319
you to do that, so let
us know what happens. We will get

968
01:14:13.359 --> 01:14:16.399
you on tomorrow, also with our
expert. If you'd like Katschina, get

969
01:14:16.399 --> 01:14:19.439
their number, we'll call them back. But I would start with that phone

970
01:14:19.520 --> 01:14:25.560
number and then you can tell us
tomorrow how that turned out. Appreciate that.

971
01:14:25.720 --> 01:14:30.680
Let's talk to Terry. Terry,
what's going on him. Hi,

972
01:14:30.840 --> 01:14:35.479
Terry, you have a Otter repair
shop and he used to do the old

973
01:14:35.720 --> 01:14:42.279
R twelve air conditioning. Yeah,
yeah, and I need to what do

974
01:14:42.359 --> 01:14:45.640
I do with that old R twelve
unit and the gas gas's in it?

975
01:14:45.319 --> 01:14:49.079
I think you well, just talking
about it right now, probably one of

976
01:14:49.119 --> 01:14:54.359
the shops out there that either we
deal with or that's listening, they'd probably

977
01:14:54.399 --> 01:15:00.520
be interested in buying it from you. Oh cool? Oh really, Mark?

978
01:15:00.800 --> 01:15:04.239
Are they even still using it on
the old systems? Yeah, you

979
01:15:04.279 --> 01:15:08.680
can still use it if you have
it. It's illegal to manufacture, but

980
01:15:08.760 --> 01:15:12.479
if you have it and have the
equipment for it. Kevin probably has it,

981
01:15:12.479 --> 01:15:15.239
it's not illegal to use it.
It's just illegal to manufacture it.

982
01:15:15.359 --> 01:15:19.680
So it is going away pretty quick. Most people have converted over to the

983
01:15:19.720 --> 01:15:25.479
new stuff. But if someone out
there owns a shop and still has that

984
01:15:25.560 --> 01:15:29.760
equipment, especially older shops, they
would love that, wouldn't they. Yeah,

985
01:15:29.800 --> 01:15:31.960
that cater to older vehicles is what
I meant, you know what.

986
01:15:32.079 --> 01:15:36.000
They would love that, probably because
they can. You know, it's hard

987
01:15:36.039 --> 01:15:40.600
to find, Terry. So,
how much are twelve do you have?

988
01:15:40.720 --> 01:15:45.359
Do you know? I know the
bottle's almost full, and is it like

989
01:15:45.159 --> 01:15:48.319
do you know what size bottle it
is? Is it a one gallon?

990
01:15:48.359 --> 01:15:55.239
A five gallon? What's it look
like a propane tank or what like propaine

991
01:15:55.319 --> 01:16:01.960
tank? Yeah? Okay, don't
you listen. I would try. I

992
01:16:02.000 --> 01:16:08.000
would try our Case Automotive. That
would be almost a perfect fit. I

993
01:16:08.039 --> 01:16:11.359
would guess yup, because they do
a lot of older cars, our Case

994
01:16:11.479 --> 01:16:15.520
Automotive. I'm going to give you
the number talk to Romando, and if

995
01:16:15.560 --> 01:16:20.399
anybody else out there is interested,
you can email us at help at troubleshooter

996
01:16:20.520 --> 01:16:29.520
dot com. Here's the number for
RKC Automotive seven to zero seven four nine

997
01:16:30.479 --> 01:16:38.000
thirty nine sixty five. Do you
know anybody here in the car at Springs

998
01:16:38.039 --> 01:16:41.600
area? Oh? I'm sorry,
you're in the Springs area? Hey,

999
01:16:41.680 --> 01:16:46.800
I call it Jesse. Yeah,
honest accurate auto. Try them, okay,

1000
01:16:47.479 --> 01:16:53.199
honest accurate auto. See they might
want to buy it, all right,

1001
01:16:53.279 --> 01:16:56.359
I'm I'm looking at listen to this
time. This is crazy, you

1002
01:16:56.359 --> 01:17:00.239
know, this just came up.
I am looking at I'm trying to see

1003
01:17:00.239 --> 01:17:03.680
how many pounds this is. Hold
on, I mean, I can't believe

1004
01:17:03.720 --> 01:17:10.319
how much this is selling for.
This is probably the same size as she

1005
01:17:10.560 --> 01:17:23.319
has and it is going for nine
hundred bucks. Wow. Wow. Yeah,

1006
01:17:23.359 --> 01:17:28.079
it's illegal to manufacture it anymore,
that's why it's but once again,

1007
01:17:28.119 --> 01:17:32.159
it's not illegal to use it,
just to manufacture it. Thank you.

1008
01:17:32.720 --> 01:17:36.359
Three h three seven one three talk
seven one three eight two five five Larry,

1009
01:17:36.399 --> 01:17:40.800
what is your comment on this issue? For Blake and Jill that called

1010
01:17:40.840 --> 01:17:45.640
in about the IRS. I felt
sorry for the lady because I went through

1011
01:17:45.640 --> 01:17:48.359
this with my son and daughter in
law. Somebody was using their daughter and

1012
01:17:48.399 --> 01:17:53.520
it ends up it was an ex
husband using their security number. And what

1013
01:17:53.560 --> 01:17:58.399
that does is you can't file electronically, you know, kick back and say

1014
01:17:58.560 --> 01:18:01.359
no, this is security numbers used. But what you do is you file

1015
01:18:01.520 --> 01:18:06.079
manually then and just because the other
person beats you to the door, so

1016
01:18:06.199 --> 01:18:11.199
you file manually. What the IRS
will do is they'll have you fill out

1017
01:18:11.199 --> 01:18:15.880
a form and it's just just explain
why you're able to claim that that's a

1018
01:18:15.960 --> 01:18:19.279
security number. It's wrong some you
know that my daughter lives with me over

1019
01:18:19.359 --> 01:18:25.439
half the time, whatever whatever the
reasoning is, and they'll process the return

1020
01:18:25.880 --> 01:18:29.640
and it doesn't mean they didn't process
the other one either, but eventually they'll

1021
01:18:29.680 --> 01:18:32.000
catch up with the person that's doing
it. My point was going to be

1022
01:18:32.359 --> 01:18:35.920
the accountant doesn't know what she's doing, whoever she has, and that she

1023
01:18:35.960 --> 01:18:41.039
should have told her this. It's
not up to the filer to go find

1024
01:18:41.039 --> 01:18:45.199
the person that's misusing a soial security
number. That's the irs is problem.

1025
01:18:45.720 --> 01:18:49.000
Hey, you know that's really good
advice, Larry. They fill it out

1026
01:18:49.079 --> 01:18:56.000
on and just mail it in and
it's yeah, they just won't accept it

1027
01:18:56.079 --> 01:19:00.920
electronically because the computer goes we've already
got that number, you can't use it.

1028
01:19:00.520 --> 01:19:03.399
That makes sense. Thank you very
much, Larry, appreciate that.

1029
01:19:03.439 --> 01:19:09.399
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1030
01:19:09.479 --> 01:19:13.079
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1031
01:19:13.119 --> 01:19:16.359
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1032
01:19:16.399 --> 01:19:18.720
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1033
01:19:18.720 --> 01:19:23.960
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1034
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1035
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1036
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roofer Excel Roofing dot Com. You don't

1037
01:19:43.520 --> 01:19:49.359
pay a cent until you're content.
Time for an insurance check up free,

1038
01:19:49.439 --> 01:19:55.079
no obligation. In comparison, call
Compass Insurance paying too much your coverage at

1039
01:19:55.119 --> 01:19:59.199
dozens of insurance companies find out now
three oh three seven seven to one help.

1040
01:19:59.359 --> 01:20:01.920
You'll think you're his only customer when
you choose Frank durand the real estate

1041
01:20:02.000 --> 01:20:06.399
Man dot com to list your home
with Remax Alliance three oh three nine two

1042
01:20:06.479 --> 01:20:20.920
zero sixteen twenty two. Hi Tom
Martino here three oh three seven one three

1043
01:20:20.920 --> 01:20:29.920
talk seven one three eight two five
five. Butch, let's go to you.

1044
01:20:30.600 --> 01:20:32.800
Sounds like it could be the yuck
department? What's going on? Butch?

1045
01:20:34.039 --> 01:20:38.960
Oh, I love in a ball
package of hot dogs for king,

1046
01:20:39.079 --> 01:20:46.840
supersating one of them and something in
it both my tooth, wow, and

1047
01:20:46.880 --> 01:20:51.239
a half the whole backside of my
tooth is gone. Butch, how old

1048
01:20:51.279 --> 01:20:57.840
are you? Father? Eighty four? Okay? The reason I'm asking is

1049
01:20:57.960 --> 01:21:01.000
usually when teeth break like that as
usually when you're older. I'm not saying

1050
01:21:01.000 --> 01:21:03.159
that's a good or bad thing or
it doesn't help. I mean, it

1051
01:21:03.199 --> 01:21:06.640
doesn't matter as far as that.
But anyway, you so, what did

1052
01:21:06.680 --> 01:21:11.159
you do you gotta when you say
a package of hot dogs. You're not

1053
01:21:11.199 --> 01:21:14.520
talking about ready made hot dogs.
You're talking about a package of hot dogs

1054
01:21:14.520 --> 01:21:18.600
you took home and cooked. Yeah, and did you have it in a

1055
01:21:18.680 --> 01:21:29.000
bun? Hell? Yeah, I
think I did. I must, okay,

1056
01:21:29.000 --> 01:21:31.880
hold on, so you were eating
it and it broke your tooth?

1057
01:21:32.600 --> 01:21:35.840
What did did you? Did you
grab the thing that broke your tooth?

1058
01:21:38.159 --> 01:21:43.960
Yes? I got it. I
thought I thought I knocked the filling out,

1059
01:21:44.479 --> 01:21:48.039
But tomorrow I feel of it was
my tongue, And the more I

1060
01:21:48.119 --> 01:21:54.199
look at it, I don't.
I think this is a debrieon that bought

1061
01:21:54.279 --> 01:21:57.560
my coach. No, I get
it. That is okay. So so

1062
01:21:58.720 --> 01:22:00.479
I have handled many, many,
many, many many of these over the

1063
01:22:00.560 --> 01:22:05.279
years. The answers aren't always what
people want to know. But let me

1064
01:22:05.399 --> 01:22:11.920
just ask you this. Did you
call King Soupers? I took the rest

1065
01:22:11.920 --> 01:22:16.800
of the hot dogs back to the
store, and UH told their check out

1066
01:22:16.880 --> 01:22:24.399
gal about it, and she called
the manager of the furnitive store. He

1067
01:22:24.560 --> 01:22:30.960
came and took my name, the
phone number, and the remaining hot dogs

1068
01:22:31.000 --> 01:22:39.279
in the package, and UH said
they would contact me in a few days.

1069
01:22:40.800 --> 01:22:43.960
He never did. I write it. A couple of weeks I went

1070
01:22:44.000 --> 01:22:47.680
back and talked to the gal again
and she called the manager back to the

1071
01:22:47.760 --> 01:22:55.880
furnitive store. There's a different guy
this time, he did they hold on?

1072
01:22:56.000 --> 01:23:00.079
Did they remember you at all?
Yeah, I'm getting to it.

1073
01:23:00.520 --> 01:23:04.000
If I could tell you the whole
story. Just take a few more minutes,

1074
01:23:04.279 --> 01:23:10.479
Okay, go ahead, Okay.
The second guy took my name and

1075
01:23:10.560 --> 01:23:14.720
phone number because I didn't have the
hot dogs there. I had given him

1076
01:23:14.720 --> 01:23:19.720
to the first guy, and both
of them I don't think they took me

1077
01:23:19.800 --> 01:23:24.960
serious. They just wrote my name
and number down on a piece of crackspaper

1078
01:23:26.000 --> 01:23:30.279
and I never heard nothing again.
So I came back a couple of weeks

1079
01:23:30.359 --> 01:23:38.119
later and I mentioned the to the
gal who had witnessed both of the transactions,

1080
01:23:38.319 --> 01:23:45.000
and they called another manager after the
pros store. This time, I

1081
01:23:45.159 --> 01:23:51.399
was a lady who had an official
looking form she had me fill out,

1082
01:23:53.399 --> 01:23:57.880
and then he said they'd get back
to me, and they did, and

1083
01:23:58.039 --> 01:24:02.279
she called me yesterday and said,
h ing, supers, what offer me

1084
01:24:03.000 --> 01:24:10.840
three hundred dollars? That's the end
of k But this truth is mustard,

1085
01:24:11.840 --> 01:24:16.079
hey, but I'm sure I have
to pour it. But your backside doing

1086
01:24:16.600 --> 01:24:21.720
But just the side of the truth. I'm going to the dentist Monday to

1087
01:24:21.800 --> 01:24:26.880
get that. But but but just
just let me talk to you about this.

1088
01:24:27.000 --> 01:24:31.359
Okay, Okay, King Soupers probably
did not owe you a dime.

1089
01:24:32.960 --> 01:24:39.880
So what they're doing is for hot
dogs. But let me just explain this

1090
01:24:39.920 --> 01:24:45.640
to you. They probably on the
surface don't owe you a dime because it

1091
01:24:45.720 --> 01:24:49.319
is a what's called the food contamination
thing. And what I'm just let me

1092
01:24:49.359 --> 01:24:54.319
make a long story short. They
don't technically owe you a dime unless you

1093
01:24:54.359 --> 01:24:57.880
want a lawsuit. Okay, they
don't owe you automatically. What they did

1094
01:24:58.159 --> 01:25:01.920
with that three hundred dollars was called
a good will gesture. Okay. Now,

1095
01:25:02.479 --> 01:25:08.640
obviously you know it's not going to
cover your tooth. But most of

1096
01:25:08.680 --> 01:25:15.199
the time, unless you can show
and prove your case to the manufacturer,

1097
01:25:15.600 --> 01:25:19.199
King Supers has no liability at all. It would be the manufacturer. What

1098
01:25:19.359 --> 01:25:25.600
King Supers is doing is a good
will gesture. If you want to take

1099
01:25:25.640 --> 01:25:30.279
the three hundred, go ahead.
If you don't, you would have to

1100
01:25:30.399 --> 01:25:35.880
go and sue the manufacturer. The
manufacturer, but you don't have any information

1101
01:25:35.920 --> 01:25:39.760
anymore. You don't have the proof, you don't have the evidence, You

1102
01:25:39.840 --> 01:25:45.199
have nothing, and it's too hard
to reconstruct it, and it would be

1103
01:25:45.279 --> 01:25:50.800
too expensive because no attorney will take
it unless and even if they did take

1104
01:25:50.840 --> 01:25:58.239
it, there's not enough money there
to justify a personal injury claim. So

1105
01:25:58.399 --> 01:26:02.880
this is one of those weird cities
situations where it's probably not worth it to

1106
01:26:03.000 --> 01:26:08.159
pursue it. And I know that
you don't want to hear that, but

1107
01:26:08.760 --> 01:26:14.399
I have to tell you the truth, all right, Okay, I was

1108
01:26:14.439 --> 01:26:18.399
just kind of bouncing it off.
Yet That's why my mother once broke her

1109
01:26:18.479 --> 01:26:28.199
tooth eating Swanson's frozen chicken years and
years and years ago, and my mother

1110
01:26:28.319 --> 01:26:30.439
thought they should pay her the world, and I said, Mom, it's

1111
01:26:30.640 --> 01:26:35.760
only worth what it's worth. It's
it's you're not going to get anything.

1112
01:26:36.479 --> 01:26:40.880
And it was a bone, which
is a normal it was supposed to be

1113
01:26:40.920 --> 01:26:44.000
boneless. I think it's something.
What the bottom line is this, Yeah,

1114
01:26:44.039 --> 01:26:46.800
it's like it's it's like, here's
what probably that was. That was

1115
01:26:46.880 --> 01:26:51.239
probably a bone fragment or something.
Did it look like a bone fragment to

1116
01:26:51.279 --> 01:26:58.520
you, butch a pizza metal?
Oh my gosh. Okay, that changes

1117
01:26:58.560 --> 01:27:01.520
things a little. And I'll tell
you why it changes things, because that's

1118
01:27:01.600 --> 01:27:08.000
not the normal course of manufacturing risks, so that could have changed things.

1119
01:27:08.239 --> 01:27:11.840
Did you ask if they have that
hot dog and metal? Did they still

1120
01:27:11.880 --> 01:27:16.840
have it or not? I have
the metal the guy the manager took the

1121
01:27:16.920 --> 01:27:21.439
hot dog. Have you been handling
the metal a lot? Or is it

1122
01:27:21.560 --> 01:27:28.359
in what? Did you put it
in a baggie or what? Now?

1123
01:27:28.840 --> 01:27:30.920
How big is that piece of metal? Is it bigger than a quarter?

1124
01:27:32.760 --> 01:27:38.520
Oh? No, it's about the
size of a matchic? Oh oh oh

1125
01:27:38.640 --> 01:27:44.560
oh oh, okay, okay,
yeah you know, but no, no,

1126
01:27:44.640 --> 01:27:46.239
I get it, bro, But
I don't think I don't think you're

1127
01:27:46.279 --> 01:27:49.840
going to get anyone to take this
case that that's that's the truth of better.

1128
01:27:49.960 --> 01:27:55.680
I just I just don't think you
will. You know, food contamination

1129
01:27:56.000 --> 01:28:01.640
is a food contamination is a funny
thing, and that is with food contamination,

1130
01:28:01.960 --> 01:28:06.560
a lot of people believe if they
can prove where it came from and

1131
01:28:06.600 --> 01:28:11.520
they can prove their even if they
can prove their case, they magically are

1132
01:28:11.560 --> 01:28:17.840
owed money. And they probably are
owed something, but not usually a lot.

1133
01:28:18.520 --> 01:28:27.680
And it's really but there are some
contaminations with drugs and things that can

1134
01:28:27.720 --> 01:28:32.800
get into the millions, and then
there are others contamination cases with food or

1135
01:28:32.840 --> 01:28:38.960
deodorant or something that aren't worth going
after. And in this case, I

1136
01:28:38.960 --> 01:28:42.600
don't think here's the bottom line.
I don't think you'd ever find anyone to

1137
01:28:42.600 --> 01:28:45.039
touch it. So I would take
the if it was me, or if

1138
01:28:45.039 --> 01:28:48.920
you're my grandfather or my brother or
my uncle, whatever, I would tell

1139
01:28:48.960 --> 01:28:51.840
you to take the three hundred bucks. But I'm not giving you legal advice.

1140
01:28:51.920 --> 01:28:58.880
Feel free to talk to an attorney. So Je, well, thank

1141
01:28:58.920 --> 01:29:02.000
you. I'm sorry it happened to
you. And uh, listen, there

1142
01:29:02.039 --> 01:29:08.119
are some lower costs, and I
don't want to God, Jennis, I

1143
01:29:08.119 --> 01:29:12.720
have a look at her now,
you know. Also, also, you

1144
01:29:12.760 --> 01:29:15.880
may not want a whole implant.
It depends on how important that tooth is

1145
01:29:15.920 --> 01:29:18.119
to you. Three oh three seven
to one three talks seven one three eight

1146
01:29:18.159 --> 01:29:28.119
two five five. We have more
coming right up. Go with a sure

1147
01:29:28.199 --> 01:29:31.720
thing Denver's Best roofer Excel roofing dot
com. You don't pay a cent until

1148
01:29:31.760 --> 01:29:39.279
you're content. Time for an insurance
check up free, no obligation. In

1149
01:29:39.319 --> 01:29:44.640
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies

1150
01:29:44.720 --> 01:29:47.159
find out now three oh three seven
seven to one. Help you'll think you're

1151
01:29:47.199 --> 01:29:51.000
his only customer. When you choose
Frank durand the real estate man dot com

1152
01:29:51.000 --> 01:29:56.680
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1153
01:29:56.720 --> 01:30:05.439
two. Hi Tom Martino, you're
a troubleshooter. Three O three seven one

1154
01:30:05.520 --> 01:30:12.680
three talk seven one three eight two
five five. Hey. Terry had just

1155
01:30:12.760 --> 01:30:18.520
called about her R twelve machines and
and our twelve gas saying she was looking

1156
01:30:18.520 --> 01:30:23.199
to sell it. We gave her
a few recommendations. What's going on,

1157
01:30:23.279 --> 01:30:29.399
Terry? I did call Honest Accurate
Auto and they said that that's totally illegal

1158
01:30:29.479 --> 01:30:31.560
that they cannot use anymore. So
I just have to take it to a

1159
01:30:31.600 --> 01:30:39.159
hazardous waste disposal place. So they
it is so they said it absolutely cannot

1160
01:30:39.199 --> 01:30:44.439
be resold. Yes, he said, it is absolutely illegal. And they

1161
01:30:44.600 --> 01:30:46.000
so what do they do? What? I wonder what they do when a

1162
01:30:46.039 --> 01:30:54.600
car comes in that hastri convertage.
Oh okay, I'm glad you called us

1163
01:30:54.640 --> 01:30:59.159
back. Thank you very much on
that. I don't know if that's correct.

1164
01:30:59.239 --> 01:31:03.520
Let's get Kevin on and ask Kevin. Okay, okay, who did

1165
01:31:03.560 --> 01:31:08.880
you talk to? Do you remember? Poe went and asked Jesse. I

1166
01:31:08.880 --> 01:31:14.680
think it was Okay, all right, Jesse, is the is the Manda?

1167
01:31:14.840 --> 01:31:17.479
I mean, I see it for
sale all over the place. I

1168
01:31:17.560 --> 01:31:24.920
know. That's what I don't understand. Huh, Well, we'll check it

1169
01:31:24.960 --> 01:31:28.560
out. No, no, I
get it. We'll check it out.

1170
01:31:28.880 --> 01:31:31.840
Everything I read says this, while
the production of Our twelve is banned,

1171
01:31:32.359 --> 01:31:38.159
it is not illegal to sell or
use Our twelve. In fact, many

1172
01:31:38.159 --> 01:31:43.600
of the cylinders and cans of free
on Our twelve sold for decades throughout the

1173
01:31:43.680 --> 01:31:53.159
United States are still around today.
Well, it's good to know. Let's

1174
01:31:53.199 --> 01:31:57.520
figure it out one way or the
other. We'll call let's get a second

1175
01:31:57.520 --> 01:32:01.760
opinion from Kevin Calking over at share
at an Auto tech. Billy, what's

1176
01:32:01.840 --> 01:32:08.760
going on with you? Hello,
Billy? Hi? Tom. I called

1177
01:32:08.800 --> 01:32:14.199
about an accident I got in last
week and it was my fault. And

1178
01:32:15.600 --> 01:32:18.199
I just got a text from my
insurance company and they said that they are

1179
01:32:18.239 --> 01:32:24.319
going to pay seventy five percent.
Oh wait, this is your own hold

1180
01:32:24.359 --> 01:32:29.199
on after me? Is this your
own insurance company? Billy? Yes,

1181
01:32:29.960 --> 01:32:35.399
explain the accident to me. I
was turning left with one of those left

1182
01:32:35.479 --> 01:32:42.960
lane arrow lights, Yeah, into
a parking lot. The light was red,

1183
01:32:43.079 --> 01:32:46.319
so I was stopped, and when
the light changed to the arrow,

1184
01:32:46.760 --> 01:32:51.680
I would have swore it was for
me. I went, I was going,

1185
01:32:51.960 --> 01:32:57.920
you know, very slow under single
digits, and I got key boned

1186
01:32:57.960 --> 01:33:03.840
by a pickup truck coming coming at
you. Right, okay, So did

1187
01:33:03.880 --> 01:33:08.359
you did you get it? Did
you get a ticket? Are you at

1188
01:33:08.439 --> 01:33:13.479
fault? I was at fault.
I turned left in front of someone,

1189
01:33:14.039 --> 01:33:17.840
I understand. But you say you
had an arrow, but I guess it

1190
01:33:17.920 --> 01:33:23.319
was a yellow arrow, and I
just I just went when I saw the

1191
01:33:23.439 --> 01:33:27.560
arrow, and I went, oh, it was the blinking yellow arrow.

1192
01:33:29.039 --> 01:33:32.880
I don't think it was blinking.
It was solid. Okay. So so

1193
01:33:32.920 --> 01:33:36.800
what I want to ask is this, when you say your insurance is only

1194
01:33:36.840 --> 01:33:43.199
paying seventy five what does that mean
you mean to the other party? Right,

1195
01:33:44.239 --> 01:33:46.279
okay, do you know why that? Here's what your insurance is trying

1196
01:33:46.279 --> 01:33:50.000
to do. First, they're trying
to save money, but they're also doing

1197
01:33:50.039 --> 01:33:57.319
what's called comparative negligence. Do you
know what that means? No? Well,

1198
01:33:57.479 --> 01:34:01.399
what does this sound like comparative negligence? What they're saying is they're saying

1199
01:34:01.479 --> 01:34:06.680
you were responsible for about seventy five
percent of that, and the other guy

1200
01:34:08.079 --> 01:34:15.880
was responsible for twenty five percent of
it. Now, that's totally arbitrary that

1201
01:34:15.079 --> 01:34:23.119
they just make that up. And
the reason they do that is to save

1202
01:34:23.279 --> 01:34:29.359
money, or they do it because
they don't think the other person will fight

1203
01:34:29.439 --> 01:34:34.119
them on it. So what I
want to know is how is this affecting

1204
01:34:34.439 --> 01:34:42.119
you? Well, if they only
pay seventy five percent, I'm concerned that

1205
01:34:42.199 --> 01:34:46.279
the other party will come after me
for the other twenty five And you're absolutely

1206
01:34:46.359 --> 01:34:50.720
right, they can. But most
of the time they won't pay out that

1207
01:34:50.800 --> 01:34:57.199
seventy five percent to the other person. In fact, they have to protect

1208
01:34:57.239 --> 01:35:01.960
you, so they would get a
release from that other part. So the

1209
01:35:02.000 --> 01:35:06.000
other party would not receive the seventy
five unless they said, okay, we'll

1210
01:35:06.039 --> 01:35:12.399
settle for that. That's that's my
understanding. I have never seen that happen

1211
01:35:12.680 --> 01:35:19.000
before where they leave you exposed.
Okay, but I want to make sure

1212
01:35:19.119 --> 01:35:23.279
hold on, hold on, Billy. It's really easy to make sure.

1213
01:35:24.800 --> 01:35:30.960
You ask them what insurance carrier do
you have? Unfortunately it's all stake.

1214
01:35:30.840 --> 01:35:38.920
Okay, Okay, ask them if
they're going to get a release from the

1215
01:35:38.960 --> 01:35:44.800
other party. Okay, okay.
So I wanted to talk to you first.

1216
01:35:45.199 --> 01:35:47.840
That's what you really want to make
sure because you're right, you don't

1217
01:35:47.880 --> 01:35:53.319
want to be left exposed. And
that's a good thing to keep in mind.

1218
01:35:53.640 --> 01:35:57.479
So let us know if you need
more help. Three oh three seven

1219
01:35:57.560 --> 01:36:00.800
one three talks seven one three eight
two five five. We have plenty of

1220
01:36:00.840 --> 01:36:06.600
time for calls. Get your calls
in now. Kevin Calkin is with Sheridan

1221
01:36:06.680 --> 01:36:10.640
Auto Tech. We had a woman
call in who said she had an R

1222
01:36:10.720 --> 01:36:15.920
twelve machine and some R twelve gas
leftover from her husband. She wants to

1223
01:36:15.960 --> 01:36:19.399
sell it and she was told it's
illegal to sell it by one of our

1224
01:36:19.439 --> 01:36:21.880
experts. Said, no, you
can't. We can't buy that. You

1225
01:36:21.960 --> 01:36:26.239
can't sell it. It's got to
be disposed of. It's no longer in

1226
01:36:26.359 --> 01:36:30.399
use. Kevin, what about that. I've never heard about legality of it.

1227
01:36:30.399 --> 01:36:34.279
If it's just practicality, nobody uses
it anymore, No one does.

1228
01:36:35.000 --> 01:36:39.800
No, I haven't haven't had a
call for that in years. What year

1229
01:36:39.800 --> 01:36:45.279
would it be? What year car
would use it? Oh, pre ninety

1230
01:36:46.000 --> 01:36:50.680
Okay, yeah, there wouldn't be
many cars who used in refrigerators and other

1231
01:36:50.720 --> 01:36:55.359
stuff as well, well, not
the R twelve that's automotive. But it

1232
01:36:55.399 --> 01:36:58.159
was, and you can convert them
so easy than one thirty four. It's

1233
01:36:58.159 --> 01:37:04.039
not worth it. It's just there's
there's no value to it. Okay,

1234
01:37:04.239 --> 01:37:08.560
I just well, Kevin, Kevin, if I just do a simple Google

1235
01:37:08.640 --> 01:37:12.960
search, there's companies out there that
are offering a lot of money for this

1236
01:37:13.039 --> 01:37:16.800
stuff. Really. Yeah, Like
I said, I've never heard the legalities,

1237
01:37:16.800 --> 01:37:19.319
but I guess if you're doing restaurant, here's what it says here,

1238
01:37:19.359 --> 01:37:26.680
here's what it says on what I
found that it is legal to service these

1239
01:37:27.279 --> 01:37:34.119
units with our twelve if they have
existing supplies left. Sure. Yeah,

1240
01:37:34.239 --> 01:37:38.640
no, I said, I haven't
seen one in years. It says it's

1241
01:37:38.680 --> 01:37:45.640
illegal to produce our twelve, but
the sale of existing our twelve is allowed.

1242
01:37:45.920 --> 01:37:51.319
Yeah, sure makes sense, So
it's not illegal. If she's listening

1243
01:37:51.359 --> 01:37:57.279
to us, it's not illegal.
I think Jesse was misinformed. I don't

1244
01:37:57.279 --> 01:37:59.920
think he was trying to you know, give it. I think it's illegal

1245
01:38:00.239 --> 01:38:02.560
unless if you have well, this
would go for any refrigerant, right,

1246
01:38:02.640 --> 01:38:09.279
Kevin. But you're not allowed to
actually service someone else's vehicle unless you have

1247
01:38:10.479 --> 01:38:14.720
you're registered with the state. Is
that still the same way. Yeah,

1248
01:38:14.720 --> 01:38:18.319
we we have licenses in order to
purchase the frend. Now, how do

1249
01:38:18.399 --> 01:38:23.840
people walk into Walmart in and buy
this cansa free on? Yep? Yeah,

1250
01:38:23.880 --> 01:38:26.279
it makes a lot of sense,
doesn't it. It doesn't make any

1251
01:38:26.359 --> 01:38:28.880
damn sense. I don't get it. If I call NAP, I have

1252
01:38:28.920 --> 01:38:31.199
to have my license on file with
them in order for them to ship the

1253
01:38:31.239 --> 01:38:34.720
free on to me. But you
could walk into Walmart and buy it if

1254
01:38:34.720 --> 01:38:39.920
you're you know, eighteen years old
and you know wet behind the years.

1255
01:38:40.680 --> 01:38:44.720
Yep, and overcharge your system and
everything else. Absolutely, yep. You

1256
01:38:44.760 --> 01:38:48.520
mean the old R twelve You can
buy, well, any of the free

1257
01:38:48.560 --> 01:38:51.680
ons you can buy if you can
find the R twelve. But Mark's talking

1258
01:38:51.720 --> 01:38:57.000
about we need a license to purchase
free on from our supplier. But the

1259
01:38:57.079 --> 01:39:00.800
general public can walk into Walmart and
buy the same free on a shelf without

1260
01:39:00.800 --> 01:39:04.960
a license. But they're only small
quantities, small cans. You could you

1261
01:39:04.960 --> 01:39:09.119
could buy a case, girl,
Yeah, but but what would be the

1262
01:39:09.159 --> 01:39:13.880
practicality of somebody buying the case?
None? But it's just what's the practicality?

1263
01:39:13.880 --> 01:39:15.600
You're like, No, I understand
what you're saying. And it's like

1264
01:39:15.760 --> 01:39:18.159
it's like they do with drugs.
I mean, you can buy you know,

1265
01:39:18.239 --> 01:39:23.000
small quantities. They don't bug you. Big quantities they do. Yeah,

1266
01:39:23.079 --> 01:39:26.159
I mean really Anyway, We have
more coming up on The Troubleshooter Show

1267
01:39:26.199 --> 01:39:33.560
three oh three seven one three talks
seven one three A two five five Go

1268
01:39:33.720 --> 01:39:38.960
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

1269
01:39:38.960 --> 01:39:45.720
a cent until you're content. Time
for an insurance check up free, no

1270
01:39:45.840 --> 01:39:49.760
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

1271
01:39:49.760 --> 01:39:54.079
of insurance companies find out now three
oh three, seven to seven to one.

1272
01:39:54.199 --> 01:39:57.640
Help. You'll think you're his only
customer when you choose Frank durand the

1273
01:39:57.720 --> 01:40:01.279
real estate Man dot com to list
your home with Remax Alliance three oh three

1274
01:40:01.319 --> 01:40:09.920
nine two zero sixteen twenty two.
Hi Tom Martino here at three oh three

1275
01:40:09.960 --> 01:40:14.880
seven one three talk seven one three
eight two five five. Deputy Doc has

1276
01:40:14.920 --> 01:40:18.520
some updates. Uh Doc, what
have you been working on? Hey?

1277
01:40:18.560 --> 01:40:25.079
Tom, you're there, Yes,
sir? Okay. First one, Michael

1278
01:40:25.159 --> 01:40:30.760
Harris had a problem with cartoys.
This was a long time ago. Yeah,

1279
01:40:31.199 --> 01:40:34.680
Hey, hey Doc, let's just
one one quick note here. Let's

1280
01:40:34.720 --> 01:40:38.960
not use last names. Okay,
So what happened? Sorry? Oh.

1281
01:40:38.960 --> 01:40:45.840
Anyway, he contacted the store,
who contacted the manager, who contacted the

1282
01:40:45.159 --> 01:40:49.319
corporate office. I sent an email
to the corporate office. I spoke to

1283
01:40:49.359 --> 01:40:57.279
the manager and basically, they don't
believe it was their responsibility. And so

1284
01:40:57.800 --> 01:41:01.720
what was the original problem? That
they had some work done and he had

1285
01:41:01.720 --> 01:41:08.279
a nineteen sixty six Chevy I Paula
and something went wrong with that. I

1286
01:41:08.279 --> 01:41:11.279
think it was a steering column.
Yeah, now I see it, okay.

1287
01:41:11.359 --> 01:41:15.439
And this was in October twenty twenty
three. What he had he was

1288
01:41:15.479 --> 01:41:19.600
getting his dashboard converted to a digital
display on an old car, and he

1289
01:41:19.800 --> 01:41:25.880
said that he had a steering failure
on the way home. And he said

1290
01:41:25.920 --> 01:41:29.800
it cost him fifteen hundred bucks.
So he thought it was too much of

1291
01:41:29.840 --> 01:41:34.319
a coincidence. Now are you saying
that Car Toys doesn't think they caused the

1292
01:41:34.399 --> 01:41:41.039
problem? That's correct. We went
all the way up to the corporate level

1293
01:41:41.960 --> 01:41:46.399
and they have denied it, and
they said unless he can come up with

1294
01:41:47.359 --> 01:41:54.199
some different or some new evidence that
wasn't presented, they are not going to

1295
01:41:54.920 --> 01:41:59.880
Now what evidence did he have,
if anything, I don't remember what evidence

1296
01:41:59.880 --> 01:42:03.600
is specifically, Tom, but I
remember I was sort of in the middleman

1297
01:42:03.720 --> 01:42:08.800
I was connecting him with Yeah,
I get it. Yeah. So we

1298
01:42:08.920 --> 01:42:15.319
sent emails to uh Cluppard and they
he sent his claim in and they denied

1299
01:42:15.359 --> 01:42:17.560
it. And when I spoke to
them yesterday, they said, look,

1300
01:42:17.560 --> 01:42:23.119
it's a closed issue. Unless you
have some new intimation that has not been

1301
01:42:23.159 --> 01:42:28.119
presented, we are denying the claim. So basically they're saying he did not

1302
01:42:28.439 --> 01:42:33.119
have evidence that he had. That's
correct. Okay, you know, really,

1303
01:42:33.640 --> 01:42:38.840
as I remember, he didn't have
any evidence. What he had was

1304
01:42:38.920 --> 01:42:43.640
a gut feeling because he said,
yeah, okay, hang on and we'll

1305
01:42:43.640 --> 01:42:45.239
do more follow ups coming up.
Three all three, seven to one three

1306
01:42:45.279 --> 01:42:51.079
talk also rpcenter dot COM's with US
Retirement Planning Center of the Rockies. Stick

1307
01:42:51.119 --> 01:42:56.680
around for that and more on The
Troubleshooter Show three all three seven one three

1308
01:42:56.720 --> 01:43:04.199
talks seven one, three, eight
two five five Go with a sure Thing

1309
01:43:04.319 --> 01:43:09.720
Denver's Best Roofer Excel Roofing dot Com. You don't pay a cent until you're

1310
01:43:09.800 --> 01:43:17.279
content. Time for an insurance check
up free no obligation comparison call Compass Insurance

1311
01:43:17.439 --> 01:43:21.560
paying too much your coverage at dozens
of insurance companies find out now three oh

1312
01:43:21.640 --> 01:43:26.399
three seven seven to one help.
You'll think you're his only customer when you

1313
01:43:26.479 --> 01:43:30.640
choose Frank durand the real estate Man
dot com to list your home with Remax

1314
01:43:30.680 --> 01:43:43.279
Alliance three oh three nine two zero
sixteen twenty two ript news. You need

1315
01:43:43.319 --> 01:43:50.479
advice who you don't have? Run
anxiousness fast as we can. Shooter's gonna

1316
01:43:50.560 --> 01:43:58.359
help. Come man, this is
the Troubleshooter Show. No Tom Martinez.

1317
01:44:00.000 --> 01:44:02.159
I''m Martino here. Welcome to the
show. Three oh three seven one three

1318
01:44:02.199 --> 01:44:06.039
talk seven one three eight two five
five. Okay, we have an hour

1319
01:44:06.039 --> 01:44:09.840
ago. I'm going to get to
these calls as quickly as possible to help

1320
01:44:09.880 --> 01:44:13.960
you. This hour brought to you
by Genesis tootalexteriors dot Com. You can

1321
01:44:14.159 --> 01:44:17.000
contact them for anything on the outside
even inside of your home for home improvements

1322
01:44:17.439 --> 01:44:27.680
and that's Genesis Total Exteriors dot Com. Okay, so let's talk to Darryl.

1323
01:44:28.119 --> 01:44:31.600
Darryl Daryl has a transmission. Now
excuse me, D is this d

1324
01:44:31.760 --> 01:44:36.560
or Daryl or who's it both?
Yeah? This is d Darryl. I

1325
01:44:36.680 --> 01:44:40.239
just okay, d I didn't know
if it was a man or woman.

1326
01:44:40.319 --> 01:44:43.039
Okay, because you contact me on
next door. By the way, thank

1327
01:44:43.079 --> 01:44:46.359
you very much. So, Darryl, what is going on? I read

1328
01:44:46.439 --> 01:44:49.800
you know this is a complicated issue. I'm not sure we can help,

1329
01:44:49.840 --> 01:44:54.319
but I want to try. So
let's start from the beginning. Just really

1330
01:44:54.439 --> 01:44:59.399
quickly sum up your problem. Well, I sid my turns mention went out

1331
01:44:59.439 --> 01:45:02.840
on my truck. I thought I
had done my research. I found Cotman

1332
01:45:03.039 --> 01:45:09.399
Transmissions. I took it to them. He called me the next day,

1333
01:45:09.399 --> 01:45:12.560
calling me my vehicle was retired?
Which Cotman did you? Wait? Wait,

1334
01:45:12.600 --> 01:45:15.760
wait, which Cottman did you take
it to? I started on the

1335
01:45:15.760 --> 01:45:20.600
one on Broadway. They're both affiliated. Okay, so I took it there.

1336
01:45:20.720 --> 01:45:24.039
He called me the next dage only
it was six. I picked it

1337
01:45:24.159 --> 01:45:28.760
up within a day. Now,
how can it be fixed? The next

1338
01:45:28.840 --> 01:45:31.199
day? What did they say was
wrong with me? He told me that

1339
01:45:31.279 --> 01:45:34.760
he had repaired the whole transit.
They had replaced the transmission. Wait a

1340
01:45:34.800 --> 01:45:40.600
minute, wait a minute. Overnight
I took it. I had it,

1341
01:45:40.600 --> 01:45:45.319
towed it there and overnight. Yeah, and he said they rebuilt it or

1342
01:45:45.479 --> 01:45:49.239
did what to it? He said
that they had rebuilt it. You mean,

1343
01:45:49.920 --> 01:45:58.079
not rebuilt the one in there,
but exchanged it for a rebuilt Huh.

1344
01:45:58.199 --> 01:46:00.199
I believe he told me they had
built it, it was fixed.

1345
01:46:00.680 --> 01:46:03.680
I don't know a whole lot about
cars, but he told me he was

1346
01:46:03.680 --> 01:46:13.640
fixed. I take three dollars three
thousand, okay, okay. So the

1347
01:46:13.680 --> 01:46:16.960
next day I had another transmission figure
light come on, so I took it

1348
01:46:17.079 --> 01:46:24.720
back there and they told me they
had fixed it again, and the same

1349
01:46:24.760 --> 01:46:28.960
thing happened two days later. Well
this went on about five times that I

1350
01:46:29.000 --> 01:46:32.039
had to keep taking it back and
all within you know, it would run

1351
01:46:32.079 --> 01:46:35.119
a day or two and that was
it when the light came on. Did

1352
01:46:35.119 --> 01:46:44.359
you have a failure? Yeah,
it was always a failure. So eventually

1353
01:46:45.359 --> 01:46:48.159
how many times did they attempt to
fix it? Totally? Like five?

1354
01:46:49.840 --> 01:46:54.760
This is crazy? Then what happened? It is so I actually got a

1355
01:46:54.800 --> 01:47:00.920
hold of the Better Business Bureau and
that's that's like call okay, that means

1356
01:47:00.960 --> 01:47:05.520
nothing. So let's get to the
real part. Apply to me. They

1357
01:47:05.520 --> 01:47:11.000
replied that to me. THEYD reply
to me, and Topman said that we

1358
01:47:11.039 --> 01:47:13.920
would take care of it. He
told me to bring it down to the

1359
01:47:13.960 --> 01:47:18.399
shop over in wheat Ridge. Oh
I thought, okay, I'll give him

1360
01:47:18.399 --> 01:47:21.279
a shot. I took it down
to the wheat Ridge office or the wheat

1361
01:47:21.359 --> 01:47:26.680
Ridge shop. So now this will
be the sixth time at least, and

1362
01:47:26.800 --> 01:47:30.279
I took it there three or four
times still, so basically they've tried to

1363
01:47:30.319 --> 01:47:34.520
fix it a total of how many
times I would have to say nine?

1364
01:47:35.319 --> 01:47:40.000
Okay, So where does this stand
right now? Well, it stands right

1365
01:47:40.039 --> 01:47:45.800
now that the second to the last
time, the owner of the manager of

1366
01:47:45.840 --> 01:47:50.800
the shop told me that I had
a misfire, so he told me he

1367
01:47:50.880 --> 01:47:57.159
would not repair it again until I
took care of the misfire. Well,

1368
01:47:57.159 --> 01:48:00.560
what did do fire have to do
with their transmission? Don't know? He

1369
01:48:00.600 --> 01:48:05.119
told me that's what was causing my
transmission to go out, but it would

1370
01:48:05.119 --> 01:48:10.479
only run two or three days before
the transition would go out. So the

1371
01:48:10.560 --> 01:48:13.520
last time I had a toade over
there, it cost me over a hundred

1372
01:48:13.520 --> 01:48:16.640
dollars. Can you get Jeff Kimer
on? It cost me over one hundred

1373
01:48:16.640 --> 01:48:20.800
dollars I had a toade over there, And he tells that's when he told

1374
01:48:20.800 --> 01:48:26.920
me he would not do We could
not move forward with any repairs until I

1375
01:48:26.960 --> 01:48:30.079
had the missfire taking care of.
Got it. So I finally got all

1376
01:48:30.079 --> 01:48:35.119
that done, and not all well
done? Got all what done? The

1377
01:48:35.199 --> 01:48:42.119
engineery chair, the pits fired by
who a friend of mine, because I

1378
01:48:42.119 --> 01:48:45.600
couldn't take it anywhere it wasn't running. It was here my parking lot like

1379
01:48:46.279 --> 01:48:51.920
all that time, so my case. So was there truly a misfire?

1380
01:48:54.000 --> 01:48:59.680
There was a mess fire. One
of the it needed spark plugs, is

1381
01:48:59.720 --> 01:49:02.159
what it. But you know what, the first time I took it around

1382
01:49:02.199 --> 01:49:09.199
to Cottman's I paid him one hundred
dollars to do as park puck change here.

1383
01:49:09.399 --> 01:49:11.880
Okay, I get it. It's
getting complicated. So right now,

1384
01:49:11.920 --> 01:49:17.439
though, after the misfire was corrected, what did Copman do? He told

1385
01:49:17.479 --> 01:49:20.680
me that my warranty was expired and
he would no longer take care of it.

1386
01:49:23.039 --> 01:49:28.560
How long was it from the time
they attempted to fix it the ninth

1387
01:49:28.720 --> 01:49:33.760
time to the time you took it
back after the misfire? Probably about three

1388
01:49:33.800 --> 01:49:40.079
months? How long was the total
How long was the total warranty? The

1389
01:49:40.159 --> 01:49:44.279
total warranty was for a year.
But we're talking to I. No,

1390
01:49:44.359 --> 01:49:48.359
wait a minute, so hold on, if the Darryl, when was this?

1391
01:49:48.560 --> 01:49:51.359
Let me get back to the important
thing. I should have asked this

1392
01:49:51.399 --> 01:49:56.840
in the beginning. When did they
fix it overnight? What year was the

1393
01:49:56.880 --> 01:50:00.720
date was that it was two years
ago. It was a December. Well,

1394
01:50:00.760 --> 01:50:02.239
bro, Bro, you didn't tell
me that in the beginning. That

1395
01:50:02.319 --> 01:50:09.920
was two much Really, that really
shouldn't matter because I got well, I

1396
01:50:09.920 --> 01:50:12.800
got a letter from the manager of
the shop stating that as soon as I

1397
01:50:12.840 --> 01:50:15.039
got my answers taken care of,
he would do the repair. Yeah,

1398
01:50:15.079 --> 01:50:20.600
but here's what I need to know, No, Darryl, Darryl, listen,

1399
01:50:20.640 --> 01:50:25.640
one step at a time. Okay, you got your transmission done two

1400
01:50:25.680 --> 01:50:32.680
years ago, then it started failing
nine times. How much time did the

1401
01:50:32.760 --> 01:50:40.079
nine times take? Oh was over? It was over like a year and

1402
01:50:40.119 --> 01:50:44.760
a half. Okay, And that
fixed it nine times for a year and

1403
01:50:44.760 --> 01:50:50.840
a half. Okay, okay,
So that okay? And so really,

1404
01:50:51.279 --> 01:50:58.600
then the transmission didn't fail every time
you got it back immediately you did get

1405
01:50:58.800 --> 01:51:00.600
used. No, no, no, it did fail. It did fail,

1406
01:51:01.239 --> 01:51:08.159
but every time, but then it
did it fail as soon as you

1407
01:51:08.239 --> 01:51:11.159
picked it up? As soon as
you picked it up, Well, then

1408
01:51:11.680 --> 01:51:17.800
the box rounds maybe a week.
But how did that if nine times lasted

1409
01:51:17.880 --> 01:51:21.640
a year and a half, okay, what was the total miles you put

1410
01:51:21.680 --> 01:51:26.319
on that transmission after they fixed it
the first time? What's you know what

1411
01:51:26.600 --> 01:51:30.079
probably I probably didn't put on more
than maybe a thousand miles, if even

1412
01:51:30.119 --> 01:51:34.399
that. Okay, So after a
year and hold on, after a year

1413
01:51:34.399 --> 01:51:42.039
and a half, you then had
the misfire fixed. Yes, and so

1414
01:51:42.760 --> 01:51:46.760
from the very first time they rebuilt
the transmission to the time you took it

1415
01:51:46.960 --> 01:51:51.800
back after getting the misfire, how
long of time had relapsed? It was

1416
01:51:51.800 --> 01:51:57.760
like a year and a half.
You said, it's under warranty for two

1417
01:51:57.840 --> 01:52:03.520
years. It was all under warranty
for a year. Gottman knew that I

1418
01:52:03.680 --> 01:52:09.000
was depending on this fix. I
have stage four cancer and they knew this

1419
01:52:09.119 --> 01:52:12.840
going in. I needed my vehicle, Darryl, Daryl, listen, Honest

1420
01:52:12.880 --> 01:52:14.960
to god, I feel so bad
for you on that one, But that

1421
01:52:15.000 --> 01:52:18.039
has nothing to do with this at
this point. Does he helped me?

1422
01:52:18.279 --> 01:52:23.279
He told me that you would get
this fix for me, Darryl, the

1423
01:52:23.319 --> 01:52:27.199
warranty was expired. Even when the
warranty was expired, he told me this,

1424
01:52:28.159 --> 01:52:34.239
Okay, Darryl, what we should
have And I understand if there's nothing

1425
01:52:34.279 --> 01:52:38.079
you could do for me, Darryl, I want to try. I want

1426
01:52:38.079 --> 01:52:44.279
to try, Darryl. Here's the
big deal is we should have had it

1427
01:52:44.359 --> 01:52:48.279
checked out sometime during the warranty period
by a good shop one of ours.

1428
01:52:48.319 --> 01:52:53.640
If you had called me then and
I would have had ammunition. We would

1429
01:52:53.640 --> 01:52:56.840
have had ammunition to go in there. But here's what I want to know.

1430
01:52:57.920 --> 01:53:01.039
You got your misfire fixed and they
refused to fix your tranny. Is

1431
01:53:01.039 --> 01:53:04.920
that right? Yes? Yes?
Did they tell you what was wrong with

1432
01:53:05.000 --> 01:53:11.760
the transmission? They just got.
All he told me is that the miss

1433
01:53:11.800 --> 01:53:14.880
fire was causing my He said,
I was having engine problem. The only

1434
01:53:14.920 --> 01:53:16.640
thing I had was the mess fire. Do we have, Jeff that gun

1435
01:53:16.720 --> 01:53:23.960
yet? Jeff? Hold on,
just wait, Jeff Kimmer Transmission, Are

1436
01:53:23.960 --> 01:53:27.840
you there, Jeff, I'm here. Have you heard this? Okay?

1437
01:53:27.920 --> 01:53:30.800
He had his transmission done. What
kind of vehicle was that, Daryl?

1438
01:53:30.840 --> 01:53:35.199
What kind of truck? It's a
fourth one fifty? Okay? So Compman

1439
01:53:35.279 --> 01:53:41.479
Transmission fixed it basically two years ago, but he said, and he said,

1440
01:53:41.479 --> 01:53:45.880
they fixed it overnight, charging three
thousand bucks. He thinks they put

1441
01:53:45.920 --> 01:53:49.800
in a rebuilt but every time he
pulled away he would get a light.

1442
01:53:50.520 --> 01:53:56.079
And they attempted to fix it nine
times. To make a long story short,

1443
01:53:56.560 --> 01:54:00.199
a year and a half later,
they finally told him it's it's the

1444
01:54:00.279 --> 01:54:03.640
reason the transmission keeps going out is
because of a misfire. I want to

1445
01:54:03.680 --> 01:54:06.600
just take that one item. Does
that make sense to you, Jeff?

1446
01:54:08.279 --> 01:54:11.479
Potentially depending on what's failing yet?
Okay? Okay, fine, So he

1447
01:54:11.560 --> 01:54:15.640
has the misfire fixed, then he
goes back to them and they say,

1448
01:54:16.119 --> 01:54:21.800
too late, it's out of warranty. What do you think's going on with

1449
01:54:21.880 --> 01:54:26.880
the transmission? That it would only
last a few miles every time he picked

1450
01:54:26.880 --> 01:54:30.119
it up? Well, miss,
misfires are bad nose, and then particularly

1451
01:54:30.119 --> 01:54:31.920
if the token of the clutch is
going to be following that signal, and

1452
01:54:31.960 --> 01:54:36.640
you can earn nothing up pretty quick. Okay, So it is possible that

1453
01:54:36.720 --> 01:54:44.880
they fixed it nine times due to
his problem? Correct? Okay, why

1454
01:54:44.880 --> 01:54:47.720
didn't they tell him sooner? I
wonder that it was a misfire? Well,

1455
01:54:47.760 --> 01:54:50.319
that definitely should have been picked up
sooner. I agree with you there,

1456
01:54:54.560 --> 01:54:58.000
Okay, that was my whole thing. I was not told about that

1457
01:54:58.079 --> 01:55:01.319
misfire causing my missions go out,
told the second to the last time I

1458
01:55:01.359 --> 01:55:11.840
took it in. Okay, but
so but really, how much is it

1459
01:55:11.880 --> 01:55:15.560
going to cost to fix? Right
now? Do you know? I would

1460
01:55:15.600 --> 01:55:17.760
have to say it's gonna take the
three thousand dollars to fix again. You

1461
01:55:17.800 --> 01:55:21.640
know, so every time you took
it in, every time you took it,

1462
01:55:23.600 --> 01:55:28.600
every time you took it in when
it failed nine times, they put

1463
01:55:28.640 --> 01:55:32.119
in nine different rebuilt transmissions. From
what they told me, I mean,

1464
01:55:32.159 --> 01:55:38.760
I don't know if they did.
They don't owe you anything. If truly

1465
01:55:39.239 --> 01:55:44.199
your car was that screwed up that
it kept, If they truly put in

1466
01:55:44.319 --> 01:55:46.880
nine transmissions, I kind of agree
with him. I wouldn't put in another

1467
01:55:46.920 --> 01:55:51.079
one. I mean, although they
should have told you why. I think

1468
01:55:51.159 --> 01:55:56.760
that it was the new shop finally
that told you it was a misfire,

1469
01:55:57.159 --> 01:56:01.600
the old shop. God, this
is crazy. How many miles on this

1470
01:56:01.720 --> 01:56:06.640
truck? I think I have like
one hundred and seventy on it now?

1471
01:56:08.600 --> 01:56:12.720
How many miles when you first took
it in? Probably like one hundred and

1472
01:56:12.760 --> 01:56:17.000
sixty sixty eight sixty nine if even
that. My truck has barely been driven

1473
01:56:17.000 --> 01:56:19.199
after I got it back. It's
sitting in the lot. No. No,

1474
01:56:19.279 --> 01:56:24.439
And that all makes sense. Your
your story is consistent. But with

1475
01:56:24.520 --> 01:56:28.439
one hundred and sixty thousand miles and
then they did, Jeff, do you

1476
01:56:28.600 --> 01:56:32.039
think they installed nine transmissions in that
thing? Well? If they did,

1477
01:56:32.119 --> 01:56:34.920
particularly if you said they were doing
it overnight. That happened to the units

1478
01:56:34.920 --> 01:56:39.279
player I had already pre built on
the shelf and ready to have in.

1479
01:56:40.359 --> 01:56:44.239
But my god, I don't know
any shop alive that would keep replacing.

1480
01:56:44.520 --> 01:56:46.560
They wouldn't. They say, wait
a minute, what's so? What's making

1481
01:56:46.600 --> 01:56:49.399
these things fall down? Because I'm
in bringing them back in the door.

1482
01:56:49.600 --> 01:56:57.600
That's nothing but costing your money.
And we don't know if does your car

1483
01:56:57.680 --> 01:57:00.680
run right? Does your truck run
right now? Darryl? Nope, they're

1484
01:57:00.720 --> 01:57:08.399
sitting in a lot? What lot? In my parking lot? How did

1485
01:57:08.439 --> 01:57:12.640
you get it there? I had
to have a toad here and it was

1486
01:57:12.680 --> 01:57:16.159
like twenty some miles up. I
ended up costing over one hundred dollars to

1487
01:57:16.159 --> 01:57:23.640
get a toad there and back.
Oh god, man, And at this

1488
01:57:23.680 --> 01:57:26.479
point I'm wondering if I should just
bite the bullet and maybe try to get

1489
01:57:26.560 --> 01:57:30.159
rid of it as is and give
a new vehicle. Oh my god,

1490
01:57:30.439 --> 01:57:34.119
I just felt screwed by Cotlins.
Because no, I don't think no,

1491
01:57:34.239 --> 01:57:36.760
I don't think they screwed you.
I think it was just a comedy of

1492
01:57:36.880 --> 01:57:41.399
errors. No, no, this
is not a normals. I'm telling you

1493
01:57:41.399 --> 01:57:45.640
the truth, Daryl. If they
attempted to fix this nine times, honest

1494
01:57:45.640 --> 01:57:47.960
to god, that's not a screw
job. It really isn't. They didn't

1495
01:57:47.960 --> 01:57:51.920
make money at this point. What
are you kidding me? They charge you

1496
01:57:53.039 --> 01:57:58.600
three thousand dollars two years ago and
put in nine transmissions or fixed it nine

1497
01:57:58.640 --> 01:58:02.439
times. It doesn't make sense to
me. Jeff, I guess the only

1498
01:58:02.479 --> 01:58:05.520
reason I was really upset is because
he told me to get it fixed,

1499
01:58:05.520 --> 01:58:09.600
and I got it fixed, and
then they wouldn't repair it. Jeff,

1500
01:58:09.720 --> 01:58:15.119
I mean, okay, I gotta
take a break. Hold on. I'm

1501
01:58:15.159 --> 01:58:17.600
gonna come back and try to piece
this together with Jeff vic hold on.

1502
01:58:17.840 --> 01:58:29.039
Right after this, go with a
sure thing Denver's Best roofer Excel Roofing dot

1503
01:58:29.079 --> 01:58:34.760
com. You don't pay a cent
until you're content. Time for an insurance

1504
01:58:34.840 --> 01:58:41.159
check up, free no obligation comparison
call Compass Insurance paying too much your coverage

1505
01:58:41.159 --> 01:58:44.760
at dozens of insurance companies find out
now three O three, seven to seven

1506
01:58:44.800 --> 01:58:47.560
to one help. You'll think you're
his only customer when you choose Frank durand

1507
01:58:47.560 --> 01:58:51.960
the real estate Man dot com to
list your home with Remax Alliance three oh

1508
01:58:53.039 --> 01:59:01.800
three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter.

1509
01:59:01.880 --> 01:59:09.640
Three zero three seven one three talk
seven one three eight two five five welcome.

1510
01:59:09.760 --> 01:59:18.159
Okay, I think with Darryl and
this transmission, Jeff, I need

1511
01:59:18.199 --> 01:59:21.840
to ask you a question. Do
you think I can't? I find it

1512
01:59:23.000 --> 01:59:27.640
shocking and I don't think that would
they take out a transmission replace it nine

1513
01:59:27.720 --> 01:59:31.479
times? I mean, what do
you think getting into you know, maybe

1514
01:59:31.520 --> 01:59:35.920
they did the first go around that
was a shelf unit or something got stabbed

1515
01:59:35.920 --> 01:59:39.640
in there, but after that I
would think they'd be opening up the next

1516
01:59:39.680 --> 01:59:44.039
one. Here's what I want to
know. If a misfire was causing a

1517
01:59:44.079 --> 01:59:49.199
failure, maybe it's not causing a
complete failure. What a meaning is maybe

1518
01:59:49.239 --> 01:59:57.000
now he doesn't really need a complete
overall transmission. What what could a missfire

1519
01:59:57.199 --> 02:00:00.399
cause a problem with that is not
the whole TRANSMISI. Like I say,

1520
02:00:00.479 --> 02:00:03.520
the torken ver is the first thing
you see there. You know it's going

1521
02:00:03.560 --> 02:00:05.800
to be following that signal. It's
going to see it. It's going to

1522
02:00:05.840 --> 02:00:09.399
try to turn that clutch on and
off, on and off, on and

1523
02:00:09.399 --> 02:00:13.119
off every time that thing miss fires, and so you're gonna have or spikes,

1524
02:00:13.119 --> 02:00:15.560
You're gonna have a clutch burning down, so it can be a cascading

1525
02:00:15.600 --> 02:00:18.640
event where it does destroy the whole
unit. But you know, I would

1526
02:00:18.640 --> 02:00:23.359
expect something like a torkover clutch to
be through primary failure. Tell me what

1527
02:00:23.479 --> 02:00:28.600
the minimum and maximum would be on
repairing something that was damaged from a misfire.

1528
02:00:28.680 --> 02:00:31.800
Give me a range, well on
the unit. I'm just assuming that

1529
02:00:31.960 --> 02:00:35.159
I'm talking about the correct unit.
Just dog him by the price that he

1530
02:00:35.279 --> 02:00:40.039
was talking about. But you know, probably a low end someone in the

1531
02:00:40.079 --> 02:00:43.840
neighborhood. I'm gonna say around two
twenty one hundred, high ends, probably

1532
02:00:43.880 --> 02:00:46.319
getting you know, you're topping off
about thirty six thirty seven. Okay,

1533
02:00:46.680 --> 02:00:50.439
all right, it's going to be
expensive, Darryl. I'm going to tell

1534
02:00:50.439 --> 02:00:55.560
you something straight up, man,
I don't think we can make an argument

1535
02:00:55.600 --> 02:00:58.960
against Kopman at this point, Okay, I really, I just don't.

1536
02:00:59.000 --> 02:01:02.720
And now listen, that's not because
they don't want to. I'm looking at

1537
02:01:02.760 --> 02:01:08.279
the time span here. I realize
what you're saying. That you were working

1538
02:01:08.279 --> 02:01:12.159
with them and they kept replacing it
time after or fixing it for nine times.

1539
02:01:12.840 --> 02:01:16.840
But the fact that they fixed it
nine times is to their benefit,

1540
02:01:17.000 --> 02:01:21.880
not to I mean, because if
it turns out that you truly did have

1541
02:01:21.920 --> 02:01:26.279
a misfire, do you know what
that shop did? How much did it

1542
02:01:26.279 --> 02:01:30.159
cost you to fix that misfire?
You know what? It was a spark

1543
02:01:30.239 --> 02:01:38.199
plug, And I was like not
much. I was like maybe twenty bucks.

1544
02:01:38.239 --> 02:01:44.560
But Jeff could have one spark plug
destroy your entire transmission. If you've

1545
02:01:44.560 --> 02:01:47.199
got a hard enough miss fire and
then signal was following that, then yes,

1546
02:01:48.600 --> 02:01:53.359
but then he would have had to
have been driving around with this misfire.

1547
02:01:53.439 --> 02:01:56.880
It couldn't have happened just once.
You would certainly think that it would

1548
02:01:56.880 --> 02:01:59.359
take a few miles to do it. Yes, I don't know how hard

1549
02:01:59.359 --> 02:02:01.520
the miss fire was, but you
would think you'd be able to put some

1550
02:02:01.560 --> 02:02:08.439
miles on it before it actually took
it out. Oh my gosh, Oh

1551
02:02:08.600 --> 02:02:12.560
the whole shady party. And I
can't prove it is I had paid cotton

1552
02:02:12.600 --> 02:02:15.600
and the first time I took it
into them, probably the third time I

1553
02:02:15.640 --> 02:02:18.279
took it in, I paid them
to replace the spark plugs and made them

1554
02:02:18.319 --> 02:02:24.279
do it. And why did you
ask them to do the spark plugs the

1555
02:02:24.359 --> 02:02:28.560
third time you took it in just
because I assumed they needed it. Why

1556
02:02:29.840 --> 02:02:31.279
because I had bought the truck.
It was used when I bought it.

1557
02:02:31.319 --> 02:02:36.479
Okay, So it wasn't because it
wasn't because they mentioned a misfire. No,

1558
02:02:36.479 --> 02:02:41.800
no, okay, okay, So
so listen, how do you know

1559
02:02:41.840 --> 02:02:45.279
they didn't do the spark plugs?
But because I hadn't pulled and they were

1560
02:02:45.319 --> 02:02:49.560
never changed. Did they charge you
for them? I gave them one hundred

1561
02:02:49.600 --> 02:02:54.359
dollars cash to do it? Yeah, because he said you have Do you

1562
02:02:54.439 --> 02:02:59.720
have that in writing somewhere that they
were supposed So you have no proof that

1563
02:02:59.760 --> 02:03:02.920
you paid them one hundred dollars and
told them to change the spark plugs.

1564
02:03:03.359 --> 02:03:06.720
No, Bruce, Okay, so
you see what I'm do. You see

1565
02:03:06.720 --> 02:03:11.039
what I'm facing here with your your
call. You see it right? You're

1566
02:03:11.079 --> 02:03:15.439
telling me. You're telling me they
didn't change out your spark plugs and that

1567
02:03:15.520 --> 02:03:17.800
caused a misfire, and the misfire
caused but you have nothing to show,

1568
02:03:18.000 --> 02:03:25.920
nothing at all. Nope. D
I can't go after Copp, d D.

1569
02:03:26.159 --> 02:03:29.439
I can't go after cop and I
can't do it. I mean I

1570
02:03:29.479 --> 02:03:32.399
wish I could, I can't,
I think right now what you do is

1571
02:03:32.439 --> 02:03:38.880
get that estimated from an honest shop
and then make a decision whether you should

1572
02:03:38.960 --> 02:03:45.119
junk the car or I mean,
what year is it. It's twenty seventeen.

1573
02:03:46.000 --> 02:03:49.159
Well that's not terrible. At twenty
seventeen, f one point fifty still

1574
02:03:49.199 --> 02:03:56.239
has some market value, Yeah,
it does, so it might be worth

1575
02:03:56.319 --> 02:04:00.199
investing in it. Look, it's
not like you invested three thousand dollars every

1576
02:04:00.199 --> 02:04:04.479
time you went in. You did
it once three years ago. It might

1577
02:04:05.119 --> 02:04:09.239
get it. I would get the
transmission fixed and call it good. But

1578
02:04:09.279 --> 02:04:13.279
I wouldn't go back to common I
mean, obviously, but I don't think

1579
02:04:13.319 --> 02:04:16.399
you can demand that they fixed the
damn thing a tenth time. I just

1580
02:04:16.439 --> 02:04:20.880
don't think you can unless you have
something in writing that says they promised to

1581
02:04:20.920 --> 02:04:25.760
do it. I mean, because
there's too much back and forth right now.

1582
02:04:26.039 --> 02:04:29.840
I'm really sorry, Darryl, I
honestly goodness, but I would go

1583
02:04:29.920 --> 02:04:34.560
to Kimmera transmission three oh three six
nine three fourteen hundred. Now listen,

1584
02:04:36.119 --> 02:04:39.760
we have Jay has a comment on
this. Go ahead, Jay, what

1585
02:04:39.920 --> 02:04:43.800
is your comment? I want Daryl
to listen, and Jeff Fick maybe go

1586
02:04:43.880 --> 02:04:46.920
with a sure thing. Denver's best
roofer Excel roofing dot com. You don't

1587
02:04:46.920 --> 02:04:54.760
pay a cent until you're content.
Time for an insurance check up free,

1588
02:04:54.840 --> 02:04:59.479
no obligation. In comparison, call
Compass Insurance paying too much your coverage at

1589
02:04:59.520 --> 02:05:02.239
dozens of insurance companies find out now
three all three seven to seven to one

1590
02:05:02.319 --> 02:05:06.000
help. You'll think you're his only
customer when you choose Frank durand the real

1591
02:05:06.079 --> 02:05:11.680
estate Man dot com to list your
home with Remax Alliance three all three nine

1592
02:05:11.680 --> 02:05:25.439
two zero sixteen twenty two. Hi
Tom Martino here three three seven or three

1593
02:05:25.479 --> 02:05:29.520
Talk Denise. She is a landlord
with a question about a tenant. Denise,

1594
02:05:29.560 --> 02:05:34.800
what's going on with you? Okay? I had someone call me to

1595
02:05:34.960 --> 02:05:45.720
say they noticed, uh, one
of like three people, young people in

1596
02:05:45.720 --> 02:05:53.000
an apartment and notice she noticed that
there was something pornographic on his computer.

1597
02:05:54.239 --> 02:05:57.199
And I'm Denise, Denise, hold
on, hold on, back up a

1598
02:05:57.199 --> 02:06:02.279
minute. Are you talking about one
of your hennen's. Yes, So somebody

1599
02:06:02.439 --> 02:06:11.039
called you and said that they saw
something pornographic on one of your renter's computers?

1600
02:06:11.079 --> 02:06:15.319
Correct? Who are these people?
In other words, how did they

1601
02:06:15.399 --> 02:06:18.000
see it? Are they house cleaners? Are they friends? How did they

1602
02:06:18.119 --> 02:06:23.680
see this. It's a friend of
one of the people that rents there.

1603
02:06:24.279 --> 02:06:28.319
But uh so, what difference does
it make though, if one of your

1604
02:06:28.439 --> 02:06:32.840
tenants is looking at pornography? Well, I want to am I supposed to

1605
02:06:32.880 --> 02:06:38.079
report it? Is it illegal?
I don't know. Pornography is not illegal?

1606
02:06:38.159 --> 02:06:41.479
Are you talking about You're not talking
about child pornography, are you?

1607
02:06:42.520 --> 02:06:47.640
She said that it was a cartoon
with a baby. Oh my god,

1608
02:06:48.000 --> 02:06:55.880
I don't know. Hold on was
disgusting. Okay, Okay, I don't

1609
02:06:55.880 --> 02:06:58.760
want to. I don't want you
to describe it, but I don't want

1610
02:06:58.800 --> 02:07:02.479
to. Okay, here's the deal. This person that talked to you,

1611
02:07:03.239 --> 02:07:08.920
how well do they know the renter
the tenant? How well? Oh?

1612
02:07:09.000 --> 02:07:13.479
I don't know. Well why were
they there? Were they friends having dinner?

1613
02:07:13.560 --> 02:07:16.359
What were they doing? They're friends
of a couple of the other people

1614
02:07:16.399 --> 02:07:24.720
that lived there. Okay. Did
they say they know this person and she

1615
02:07:24.920 --> 02:07:30.720
thinks that there's some mental stuff going
on with him too? Okay? Are

1616
02:07:30.760 --> 02:07:34.239
these tenants good tenants or are they
flaky? Or what? As far as

1617
02:07:34.279 --> 02:07:42.880
paying rent and all of that other
stuff? Flaky? You know, I

1618
02:07:42.880 --> 02:07:46.600
don't I really don't know what you
do. It really depends on what she

1619
02:07:46.720 --> 02:07:54.319
saw. If she saw like real
child pornography on there, I think cartoon

1620
02:07:55.159 --> 02:07:59.439
it was cartoons, but I don't
know if there's also more going on.

1621
02:08:00.039 --> 02:08:01.720
Yeah, neither do I. And
you know, unless she does, really

1622
02:08:01.760 --> 02:08:07.199
there's nothing you can do about it. But here's the point. Yeah,

1623
02:08:07.319 --> 02:08:11.800
you can't. You shouldn't report it. She should. And if she doesn't,

1624
02:08:11.840 --> 02:08:15.680
and if she's then you didn't see
it, you can't. You have

1625
02:08:15.800 --> 02:08:20.800
nothing to report because you saw nothing. So here's what I would say that

1626
02:08:20.000 --> 02:08:26.279
if she sees stuff that concerns her
and she thinks it might be involving children

1627
02:08:26.520 --> 02:08:31.840
and pornography not cartoons, cartoons don't
count. You know, there is a

1628
02:08:31.880 --> 02:08:35.760
certain amount of freedom of expression for
anything, no matter how grotesque and disgusting

1629
02:08:35.800 --> 02:08:41.159
we find it. So I would
say, you do nothing unless this woman

1630
02:08:41.239 --> 02:08:45.800
feels there's something illegal, and this
woman should report it. Okay, I

1631
02:08:45.840 --> 02:08:48.960
will, I will. I have
her number from when she called me.

1632
02:08:50.000 --> 02:08:52.600
I would tell her. Listen,
here's what I would tell her. Tell

1633
02:08:52.600 --> 02:08:58.800
her that listen, if just say, if you ever see anything that you

1634
02:08:58.039 --> 02:09:03.399
think deserves to be reported, you
need to report it. And I can't

1635
02:09:03.399 --> 02:09:07.520
do it. I didn't see it. I can't do it secondhand. But

1636
02:09:07.640 --> 02:09:09.760
if you ever, why did she
tell you about it? By the way,

1637
02:09:13.199 --> 02:09:18.039
I don't know. It's probably disturbing, is why it was. It

1638
02:09:18.199 --> 02:09:22.399
disturbed me, and maybe she was
disturbed. I don't know. Maybe she

1639
02:09:22.520 --> 02:09:26.439
thought I could get the person out
of there because she knows. Uh one

1640
02:09:26.479 --> 02:09:31.359
of the other people that is there. Are they roommates the other people there?

1641
02:09:31.399 --> 02:09:35.159
Are they roommates with this weird o? Yeah? Yeah, yeah,

1642
02:09:35.199 --> 02:09:39.319
there are times real quick guys.
On a side note, you said something,

1643
02:09:39.359 --> 02:09:46.199
you said cartoons, even if it
was like child stuff, cartoons wouldn't

1644
02:09:46.239 --> 02:09:48.039
count. How does that work or
how do you think it works? With

1645
02:09:48.199 --> 02:09:52.960
AI? Like all these these fake, deep fake videos that look real?

1646
02:09:54.079 --> 02:09:58.199
Is it is that? I don't, Honest to God, I don't know

1647
02:09:58.239 --> 02:10:01.920
the answer to that. I really
don't. I don't. I know that

1648
02:10:01.079 --> 02:10:09.680
people are allowed to draw ugly,
disgusting, terrible, vile cartoons and pictures,

1649
02:10:09.760 --> 02:10:13.720
even depicting children and pets and animals
and everything. They're allowed to do

1650
02:10:13.800 --> 02:10:18.000
that. Now, whether or not
you can publish it and where you can

1651
02:10:18.000 --> 02:10:20.760
publish it, that's for all these
siccos to figure out. However, it

1652
02:10:20.880 --> 02:10:26.079
is a freedom of expression that people
can do. They can even depict violence.

1653
02:10:26.279 --> 02:10:30.119
They can depict cartoons of killing people
and all kinds of stuff, of

1654
02:10:30.199 --> 02:10:33.800
school shootings, of disgusting, terrible, vile things. What they can't do

1655
02:10:35.439 --> 02:10:41.319
is incite it in others, and
that becomes a really fine I don't know

1656
02:10:41.399 --> 02:10:45.159
where the distinction is and what Mark
said, if it's fake and a freedom

1657
02:10:45.199 --> 02:10:48.800
of expression, does that include stuff
that looks real? Like if a guy,

1658
02:10:48.920 --> 02:10:50.279
let's just say someone and thank you
for calling. By the way,

1659
02:10:50.279 --> 02:10:56.800
Denise, if someone, let's say, had on their computer some AI video

1660
02:10:56.960 --> 02:11:01.600
of child porn? Is that the
same violation of having a regular video that

1661
02:11:01.800 --> 02:11:05.840
is a question mark for the ages? My god, I mean, who

1662
02:11:05.920 --> 02:11:11.760
knows it's it's really a brave new
world? Who knows? Who knows?

1663
02:11:11.760 --> 02:11:18.039
Uh, it's a scary thing.
And again, if I were her,

1664
02:11:18.640 --> 02:11:22.920
I wouldn't do anything unless I observed
it. If that other person observed it

1665
02:11:22.239 --> 02:11:26.399
and they think it's dangerous, they
need to report it. We have more

1666
02:11:26.439 --> 02:11:31.560
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02:11:54.079 --> 02:12:01.159
oh three nine two zero sixteen twenty
two. Hi, Tom Martino, your

1673
02:12:01.359 --> 02:12:07.359
troubleshooter three three seven one three talk
three oh three seven to one three eight

1674
02:12:07.479 --> 02:12:13.439
two five five. Okay, Uh, Kenny, what's going on with you?

1675
02:12:13.560 --> 02:12:18.920
Kenny? Are you there? Yes? Sir? Okay, Hey,

1676
02:12:18.000 --> 02:12:22.640
I don't know if I heard this
right last week or not. Something about

1677
02:12:22.640 --> 02:12:24.720
it. If you bought a car
six months ago and you had it in

1678
02:12:24.800 --> 02:12:28.479
storage and didn't ensure it, they
could go all the way back. So

1679
02:12:28.640 --> 02:12:33.359
yes, here's what they do.
If you have a car that's not registered,

1680
02:12:35.199 --> 02:12:39.760
they charge you for it not being
registered. So even though you think

1681
02:12:39.800 --> 02:12:45.560
you're skipping those years, they do
go retroactive on a registration to a certain

1682
02:12:45.600 --> 02:12:48.479
time. I'm not sure of the
exact time. What ms. If you

1683
02:12:48.520 --> 02:12:52.159
sell it, well, that's different. Mark. If you sell it and

1684
02:12:52.239 --> 02:12:56.880
somebody buys it, they register it
from day one. No, I'm saying

1685
02:12:56.920 --> 02:13:01.199
if you had if you haven't had
insurance and it's been sitting in a garage

1686
02:13:01.239 --> 02:13:03.319
for a year, when you sell
it, you're never going to end up

1687
02:13:03.359 --> 02:13:07.680
paying any back stuff, right,
No, not at all? Nope.

1688
02:13:07.199 --> 02:13:11.239
Well no, like I bought it
from my brother in last six months ago,

1689
02:13:11.319 --> 02:13:13.880
but it's set in a garage and
now I'm ready to use it.

1690
02:13:13.920 --> 02:13:16.640
So so what do you do You
have a question about the registration fees or

1691
02:13:16.680 --> 02:13:20.800
do you have a question about the
insurance? Well, the insurance, I

1692
02:13:20.800 --> 02:13:24.680
mean I said I parked it in
the garage. I didn't know if you

1693
02:13:24.760 --> 02:13:28.039
didn't have that car and you didn't
have it insured, and it's a new

1694
02:13:28.119 --> 02:13:31.560
car to you, that's all that
matters. They want to know what was

1695
02:13:31.600 --> 02:13:35.520
it doing for the last six months. You need a broker like Compass Insurance

1696
02:13:35.520 --> 02:13:41.720
Group who will explain to the underwriter
that it wasn't uninsured on the street.

1697
02:13:41.520 --> 02:13:46.359
But there are some insurance brokers that
won't do that. They will just rate

1698
02:13:46.439 --> 02:13:52.720
you based on six months of no
insurance. Okay, So what you need

1699
02:13:52.760 --> 02:14:01.000
to do is you need Sometimes you
need to explain extenuating circumstances the underwriter.

1700
02:14:01.720 --> 02:14:05.680
Sometimes you don't. It depends on
what they do. So if they say

1701
02:14:05.880 --> 02:14:09.760
who is the previous insurance and you
said no one, you could or you

1702
02:14:09.800 --> 02:14:15.239
could rewrite the bill of sale.
What you should do? Is it your

1703
02:14:15.279 --> 02:14:20.560
brother brother in law? Yeah,
I was just singing. You could rewrite

1704
02:14:20.600 --> 02:14:22.920
the bill of sale and do it
and then there's no question as to what

1705
02:14:22.960 --> 02:14:28.079
the car was doing. Okay,
I'm Tom Martino. We're out of time.

1706
02:14:28.119 --> 02:14:31.319
I want to tell you about rpcenter
dot com, the people I know

1707
02:14:31.399 --> 02:14:35.800
and trust for my retirement plan,
and you can two nine seven zero six

1708
02:14:35.960 --> 02:14:41.159
six three thirty to eleven. That's
nine seven zero sixty six three thirty two

1709
02:14:41.159 --> 02:14:46.359
eleven rpcenter dot com. I'm Tom
Martino. Call three all three Martino for

1710
02:14:46.479 --> 02:14:52.439
help, information and referrals. Thanks,