Ripped of news. You need advice, so you don't have come running.
Just as as as we can, show Shooter's gonna help come man, this
is the Troubleshooter Show. No Tom Martino. Hey, I'm Tom Martino.
Welcome to the show. Three O three seven to one three talk three all
three seven one three eight two five five. A very active car day to
day. Today is Friday, is car Day, and I call it CARDI
but I think we decide we're gonna call it car Friday. But whatever I'm
we're gonna call it. Just don't call me late for dinner. I don't
know what the hell that means. But anyway, so listen, I'm here.
I'm doing the show from the studio the Mothership today because I got my
car guys in and frankly, I don't want them to know where I live,
so I decide to come into the studio instead of having them at my
house. I think that's safe to say, because they are car guys.
Anyway, Welcome. So, how many car salesmen does it take to change
the light bulb? How many? I would say one, But you have
to buy a four year warranty. Well, he's got to check with his
manager first, yes, right, and credit life disability, that's all part
of it. Rodney with JFR Cars and we have Jeff fake Kimber transmission.
I think Kevin's going to Saunter in anytime soon, right? Is Kevin new
to come in here? Yeah? Yeah? He said six avenues pretty shared
and auto tech And were we gonna have someone else too? Or is that
just the three of us? And where's my YouTube morons? I haven't signed
on are they? Are they up and running yet? YouTube morons and Facebook
flunkies? You got them up? Yep, they're up? Okay, good,
I gotta get them anyway. I did a feeble attempt for a live
video yesterday because I had I put it in Dack's hands. Deputy Chopper.
Deputy Chopper was, uh, was a guest of mine yesterday. I took
him on a helicopter flight because he's a former pilot for Denver Police and uh,
he's one of my YouTube morons. And then we did a YouTube live
for about twenty seconds. I mean, it wasn't very long because we were
weren't getting a very good signal out there. So it was fun, beautiful
day. So what's going on in your life? Let's talk what I I
just want to say this before I take Paula. Paula's calling with a problem,
and you can call two three oh three Martino twenty four to seven three
oh three six two seven eight four sixty six. You can call any time
and we'll get back to you on that number. Or you can call three
oh three seven to one three talk seven one three A two five. I
published an article on Newsbreak and also next Door, and I put a little
teaser on Instagram about the insurance crisis affecting condos and town homes, and I
pissed a lot of people off. I don't know why. I don't know
why my articles pissed people off, because they're meant to help people and to
inform them the insurance crisis. In a nutshell, I had people in condos
saying, you're a liar, blah blah blah. You know, you're just
people accuse me. Sometimes what do they call me? A panicmonger or a
fearmonger? I'm not. I mean I hear things on this show. You
guys, when you sit in on the show, sometimes you hear stuff and
you think, God doude, people know this is happening. So that's the
same attitude I get. Do people know this is happening? And what I
do is I go and publish things, you know, to let people know
this is happening. You remember that one time, for example, when packages
show up at your door and you have no idea what they are, and
then you call the guy who's supposed to be foreigny because oh it was sent
to you by mistake. Can you send it to this address? And you
forward it unknowingly? You become a chain in a crime and you can get
in trouble for that until you have to explain who you are. But you
are unwittingly an illegal freight forwarder. People were pissed off at me for writing
that. Say that never happens. I talk about moving scams where one mover
will sign a contract with you online for a certain price. You never see
that person again. All they do is sell the contract to someone else.
That someone else comes and picks up the stuff. And when they come to
pick up the stuff, they say, oh no, no, no,
this is way more than we thought, and then they get more money.
Then you never see that person again. Then the person on the other end
who delivers it says, oh, we wait it. It was way more
than we thought. You're gonna have to pay again, so you pay three
times. So the one that you thought was the cheapest turns out to be
the most expensive. And you're paying three different people, none of them work
together. And somebody told me on next door, oh, that never happens.
Why the hell are people held bent on telling me things never happen.
I don't. Maybe they feel if they're in denial, it will go away.
You know. One guy wrote to me today from newsbreak a comment saying,
I have a condo, beautiful pool, beautiful amenities, beautiful, this
beautiful that I only pay nine hundred and one in dues. That's a lot,
by the way, but he says, and I have insurance and I
have everything. I says, yeah, but wait for your next big your
big insurance loss at that building. You're going to have an assessment. Here's
why with condos and town homes, they're not renewing insurances, or if they
are, the dues, the premiums are unbelievably high, or you have to
accept a very high deductible. In other words, as a condo development.
So let's say a condo development, they have insurance, but when it comes
to the roof, they put a deductible on there of sometimes as much as
five hundred thousand dollars, which is in essence no coverage. So you get
a hit storm there, whether you have a particular unit damage or not.
A dumb matter, you're in a collective community and you end up having to
pay what's called an assessment. Now, even if you have lost assessment coverage
on your own personal coverage, it doesn't cover all of it. You're going
to end up with a big bill. Now there's another problem too, Some
homeowners' associations can't get insurance, so now they're going to each owner saying you're
on your own. Brian Burns, a compass insurance group, said, Tom,
we don't even have coverage to write for people in condos and townhomes for
the outside of their home. It doesn't even exist because usually with a condo
or townhome, you write inside the home. Now with a town home,
there are companies that because there's a roof there on that town home, that
you could possibly get that covered. But in a condo, there's no prayer.
If you have an eight story building and you're on the fourth floor,
try to get roof insurance. How are you going to do that? And
what part of that roof is yours? So it's going to be a nightmare.
And I've been writing about it and pissing people off, but I'm telling
you, I'm telling you right now, just write it down. I predicted
the giant real estate recession when people are getting loans for one hundred and twenty
five percent of value. And I'm going to predict this the condo town home
is an insurance crisis will come to a head. It will be a major
deal where people are going to be trying to dump their condos and town homes
or the government must step on a step in with a high risk pool for
subsidized insurance for congregate living. That may be the only way to go in
the future. In fact, they may have high risk pools for hail belts
like they do subsidized plans for floodplains, because it's getting to be that outrageous.
Now we'll go to Paula. Okay, paul by the way, get
your calls in three h three seven one three talks seven one three eight two
five five. Paula, what's new? Not much? What's new with you?
Well, I'm helping you, and I hope I can. What is
going on with you? So, my husband, I've actually talked to you
before. My husband in early January was asked to help mister Richard Kubaki with
all you called in before, Paula, I have a call on you.
Yes in January. No, not in January. It's a couple of years
ago. Oh, I'm sorry. Okay, So is this is this problem
today about that one a couple of years ago? Yes, sir, it's
still going on. Okay, So explain it. Then. What happened?
Your husband worked for somebody a couple of years ago? Mm hm he less
than twenty four hours after I called you, he was paid. My husband
ended up going in the business for himself, started his own company. Big
problem today? What's the problem today you're calling about? The problem today is
mister Richard Kibaki is not paying my husband. This is the same guy.
Wait, this is the same guy he had trouble with years ago. Yes,
why the hell is he still doing stuff for him? They mended senses.
He seemed like he was doing everything. What kind of work did he
do for this mister whatever his name is, what what kind of work did
he do for mister Chebacca Kubaki. He helped him with a fix and flip.
So he did some contracting. Yeah, subcontracting is what did he Okay?
Now did a Chebacca own the house or was he doing work for the
seller? He was, I believe he was. The way my husband explained
it to me is he had an investor. Okay, they had a certain
amount of time to get this house finished. They got it finished. The
house is on the market. Okay, So your husband did work for a
guy on a fix and flip and did not get paid. Okay, do
you know that your husband can put a lien on that house. Uh,
he doesn't have the information, but yeah, he's aware. Okay, hold
on, when when did he complete When did he complete the job? The
job was completed mid January. He received the payment of eight hundred dollars on
January thirty. First, he's still owed about eleven hundred and he's not hearing
from Richard. Okay, there, this is easy. Put a lien on
that house. That's very I mean, really truly, that's the quickest thing
you can do. Now, we don't mind calling for you. But he
puts a lien on that house. He can go to a small claims court
as well. I don't see how this guy loses. They can't sell that.
Did they sell the house already? Not to my knowledge? Know does
your husband Your husband is in business for himself, right, so he must
he must know how to put a lien on a house. No, I
don't know. He's not hot and he's at work. He's talked about it,
but he doesn't have enough information. What do you mean not enough information?
Uh? Who the investor is? He doesn't. I don't think he
needs to know that. Hey, Kachina, see if you can get Frank
ball up. Uh, he's a collection attorney. Hold on a second.
Let's try to get you some information. Step by step. I'll try to
get that for you. Hold on, don't hang up. We'll try to
get you at information. I'm Tom Martino, proud to represent Waterpros dot net,
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dot com. You don't pay a cent until you're content. Time for an
insurance check up free, no obligation. In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance companies find out now three oh three
seven to seven to one. Help. You'll think you're his only customer when
you choose Frank durand the real estate Man dot com to list your home with
Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino,
your troubleshooter three oh three seven one three talk seven one three eight two
five five. Rodney should be arrested from JFR cars. Did he just order
a bacon cheeseburger pizza? I think that's what it was. Yeah, God
almighty, my mother would be rolling over to greave bacon cheeseburger pizza. Okay,
it's anyway, Paula. I got Frank ball On. He is.
Frank is the man. He truly, he's a collection attorney. I don't
want to a little what he does. He's a major collection attorney in town,
and Frank, I just want some simple advice. The job was completed
in January. He didn't get paid. All he knows is the guy he
worked for, the contractor he worked for, and he has his own company.
But he doesn't know the owner or investor of the property. It's a
fix and flip. He wants to get a lien on there before it's flipped.
What does he do does he need to know? What does he need
to know to put a lien on a place? Well, leans are relatively
straightforward. There's a form you fill out, you have to provide the information
in terms of notice. And the problem with leans is if they flip right
away, then you'll get paid. The problem with liens is a lien has
you have to perfect the lian and the way you perfect the lian is by
suing somebody and getting a judgment. Right. But if he puts the lien
on it, though, and it's for sale, I have a pretty good
idea they're going to want to pay him, especially if they really owe him.
No disagreement there. If really it's going to be flipped quickly, then
yes, and they'll get paid because there's a lean on the property. What's
on the form that he needs to know? What does he need to know
to get that done. Well, it's just you just have to put I
don't have the form in front. No, no, I understand, but
like you need to know that you need to know the address obviously, do
you need to know the actual owner of record? Well yeah, you just
look it up, Okay, see from the address who the owner is,
and you give notice. I'd give notice to the contractor the general, and
I give notice to the owner of the property. And then the owner is
going to say, what the heck is going on? Why do why don't
you pay the sub Why is the sub doing doing this to me? And
the problem is is the owner probably paid the general and the general obviously didn't
pay the subcontract probably probably. Now to look that up, Paula, if
you have the address, you just go to those counties. You can go
to the online and find out who the owner is or go to a title
company. It's well worth the effort to do that. Now, if you
want, we'll call the guy. I'll give it to deputy Doc to call
over right now to do that now, Frank, appreciate it. Frank,
you bring up a good point, and I just want to I want to
just go over that. And the good point is this without perfecting it.
So let's say it sits there for a while. When does a lean drop
off if you don't do anything with it. I think it's six months.
Okay, you don't have a long period of time. I mean the whole
idea on these lians mechanic leans is there's notice, but there's no trial.
It's not like a replubing action where you say I have a higher property interest
in this vehicle and I want it back. There's no requirements, there's no
trial. Then the court doesn't get involved. That's why it's a very short
limited timeframe for people to turn it around. But if it doesn't happen,
you actually have to sue and say, hey, you owe me the money.
And then you have a problem because you're really not suing the owner of
the property. You're suing the contractor. And that's the problem with general contractors
is oftentimes they either go belly up or they change their names, and it's
kind of a scam that people deal with all the time. Well, Frank,
I appreciate the information you're always willing to give us. And that's Frank
Ball And again he does mostly commercial collections. But if you have a big
collection, thrill three six two nine, seven thousand. Listen on this notion
here, Paula, I don't want you to get discouraged Kaschina. Let's have
Deputy Doc call over to the guy. It sounds like Chebacca. I know
his name wasn't really Chebacca, but it sounds like that, and have him
called Chebacca, figure out what the hell's going on. And then, Paula,
every contractor in the world needs to know how to file a lien,
otherwise you really shouldn't be in business. And I think liens do get paid.
I don't think anyone wants to keep a lien on their place, and
especially if they want to sell it. Okay, three zero three, seven
one to three talk Brian's turned Brian, what's happening with you? Hello,
Brian Kaiser? What's going on with Kaiser? Yes, good morning, Thank
you for taking my call. Yes, man, what's happening? Okay?
So I've had issues with Kaiser now for the last seven years. You know,
I think Kaiser is usually a pretty damn good company. What are some
of your problems, man, Yeah, some of the issues are This goes
back to a very serious car acident seven years ago. Fully dismissed by Kaiser,
got help outside of Kaiser, ended up with about six months of physical
therapy. Year and a half ago, I had a wellness exam with Kaiser
as a Medicare prevention exam. No plan was put in place. I found
a four page complaint was no, wait wait what was not put in place?
Yeah, so this is a wellness Medicare prevention plan. No, I
get well, oh wait, so you're on Medicare. That is correct,
So it's a Medicare advantage plan. Really, isn't it just a different kind?
Yes, that's correct. Okay, And and what let's get right to
the problem. What is the problem. The problem is I have a good
healthcare team, and that's why I said Kaiser. The problem is dealing with
incompetence of member services and not being able to directly answer my Okay, that's
what I'm ansaing you. Now, what is your question? You're not getting
answered? Tell me the issue. So two last issues. One was back
in the December where I was denied vision. I were benefits through my Medicare
advantage players got it. I had to fight and fight and fight to get
that. I finally spoke with a director of Optometry a regional director and that
was resolved. Well, I don't want to hear about what was resolved.
I want to hear about your problem today. Are you just calling with general
frustration and communication? My question to talk for you is how do I navigate
around Heiser? Filing complaints with Kaiser through their case? Basically specialist doesn't do
any good and nothing? What is your current No, I get what you're
saying. It sounds like you're just frustrated with a lack of communication. What
I'm going to ask you, though, is what do you want to complain
about right now? Just your the whole system and how they communicate or what
that is correct? The whole system of communication and not being able to resolve
some issues that have been in the past, or it takes time to resolve.
In other words, every time something comes up, it's a major pain
in the ass to get through to somebody. Is that what you're saying?
That that's correct? Tom as to get the correct information. And here's just
another example. I was given wrong information for a test for an aultstoun.
Yeah, I called Kiser. They fully admitted there's a mistake. They're trying
to correct it. They never contacted me. I contact the head of radiology.
Yes, you had no idea that wrong tests were going out. Okay,
now here's what I'm going to tell you. There's probably you're not going
to love this. There's probably not a direct solution for what you're going through
because Kaiser's not the only one that has these issues with communication. You know,
here's what's weird. With online access and everything that we have now,
the interpersonal talking to and problem solving is going away. You try talking to
like for example, ups or eBay or just pick a company, you can't.
In fact, Frontier has no way to talk to them. It's it's
frustrating. It's honest to god, frustrating. I don't know if there's an
answer. I don't. I really don't know if there's an answer other than
you know what, here, here's what we can. Have you ever talked
to the patient's advocate at Kaiser? No? I have not. Now there's
an onmbudsman or patient advocate with almost every insurance company, and you've never actually
tried to talk to them, not the patient advocate. I have no information.
There's a Color insurance I can follow complaints through them as well. I've
not spoken to a patient advocate? Is this part of Kaider tom or is
every single health care facility has a patient advocate? And let me think I'm
trying to find it's really weird, man, You're not the only one.
If you look online, there are so many, so many complaints. But
there's so many complaints about all health health insurance, I mean, and in
fact, you can go anywhere and find complaints. I'm trying to find the
patient advocate's number, and I'm live. It's hard to do that. Well,
I'll peruse this well, but there absolutely is one. Okay, have
you called member services representative? Oh, I've booken the numerous times I've filed
over the last year and a half, probably fifteen grievance, I've booken members.
This is part of the public's member service. So, in other words,
they never ever address the problem. Ever, I get the toller running
around, the complete run abound. When you say run around, give me
a specific example of a run around. Absolutely, I'll give you an example.
I had inquired why when blood tests that it ordered through Kaiser don't secure
on my website so I can see that they've been ordered. I don't see.
These are things that you're never going to get an answer to I don't
know what to man. You know what, if anyone has an idea,
you're you're you're asking about procedural things. If your blood tests, you can't
see the blood tests that were ordered online? Right, is that what your
one complaint is? Well, yes, but if I could just finish you,
that was my complaint. But this went to a case specialist who proceed
to tell me that my blood tests had never been ordered and they had been
ordering. So then I get a call from the case specialists asking me what's
the original agreements before? Okay, see, you know what I don't know.
I mean, I wish I could tell you. We're going to get
to the bottom of this, Brian, I swear to God, I'm just
being honest with you. There's no way to Let's see if Integra has a
contact there. That's the best we can do. They probably don't, but
let's ask Integra. That's the best we can do. See if they have
a behind the scenes contact. We don't have an angel there, right.
And I don't know if Mark and SEUs are listening today. I know they're
out on vacation. Sometimes they listen. I'd love to know if Mark has
ever had to go through them and what he has done? Because I know
he has Kaiser. We have kaiser at our shop. What have you ever
had to resolve it? I just went through everything with my knee and everything.
You know, three different doctors or different no problem, nothing. I
wonder if this guy just I don't know. I mean, if you want
to look for issues, Yeah, there's delays, there's issues, there's you
there. Maybe the advantage plan is different. Yep, go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance checkup free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three all three seven to seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Hi Tom Martine, you are a troubleshooter three oh three seven one three
talk three oh three seven one three eight two five five. So Steve is
next? And and Steve is precisely by the way, one of the reasons
I wrote that article. I mean, I've had several calls to the show.
But Steve's friend Brenda called me and I said, have Steve call the
show because this is a crisis and it is affecting many many people. Steve,
give your story, sir. Yeah, hey, Tom, thanks for
taking my call today. Uh So, Uh, I live in a hoa
community of about three hundred homeowners, and last year the community experienced tail damage,
uh in one month end. And it's basically it's basically a condominium community,
meaning that's what the laws are, the condominium laws, right, correct,
Yeah, as I understand it. Correct, yeest, So there was
a hailstorm damages in later in the year, right at the very end of
the year. The management company and the HIA board and formed the entire community
that the insurance contract, thank god, the deductible covered all of the millions
of dollars of damage and they were going to replace roasts and windows, but
hold on, hold on, hold on. So they said that there was
a deductible, but they had enough money to cover it. Uh correct,
Okay, go ahead then, And that was late late in twenty twenty three
and the major hailstorm damaged not just the roof, it damaged. It damaged
some windows and trim around windows as well. Okay, go ahead, And
therefore people were homeowners are feeling very comfortable. And then the middle of February,
three or four months later, we get a email. Homeowners all got
an email from the board and the management company saying that oops, there is
going to be an assessment up to and exceeding twenty thousand dollars. Yeah,
that's what everyone's facing. So yeah, now I want to explain a couple
of things here because while you think, and I'm not saying you, but
collectively, some of the people may think, gotcha, they already told us
they had enough money. Now they're coming back. The fact that they told
you they had enough money does not create an obligation for them or at Okay,
So that's the first thing you need to know. There was no contract.
When they had a salestorm, they went into their coffers, they probably
read over their policy and they probably concluded no problem. They prematurely told the
homeowners, no problem, we got enough money to cover the deductible. We're
good. Then they come back, Uh oh, there's going to be a
deductible. So the main thing I'm trying to bring out here, Steve,
is the fact that they notified you they had enough, and now they're saying
they don't. That doesn't really do anything for you. But let's say it
did. I mean, I'm talking, by the way, for people who
are listening, similar things have happened. You're not the only one, but
Steve, I'm a fan. I think the issue is with the assessment.
Homeowners are asking for a documentation and more information and mainly get and they should
get every penny of it. You're absolutely right. For example, if you
do the math, then you think, because I know Brenda when she called
me said hey, by the way, Brenda's a news person here and I
know Brenda my wife and I know Brenda for years. So Brenda said,
Tom, when you do the math, the money that man's paying just for
his half of the duplex is about what it would cost to me went out
and got a roof done. So where's the coverage? And here's what I
said. You can't look at it that way. In a condominium community,
it's the aggregate of all damage and then it's divided indiscriminately. It doesn't matter
how much damage you have. In fact, your building could let's say your
building had zero damage. Do you know you could still end up with an
assessment. Yes, okay, because you're in a collective community. Okay,
So that dismisses the notion that twenty thousand dollars will get me a roof.
However, when you multiply that twenty thousand dollars, let's say, by every
single owner, and the money just doesn't make sense. Now you got to
start asking questions like you're saying, wait a minute, what coverage do we
have? Well, you see, it might be that they read their policy
wrong, and it could and you, by the way, they should be
accountable to you for each and every penny. But it could be that there
is no coverage for roofs. It could be it could be that the deductible
is so high on roofing you don't have coverage. But you bring up a
good point. I want to get someone on who does the HOA forum.
He's an expert in Hoa's on how you get accountability. Hold on Kachina,
we need to get stand the amen on she's currently ordering to leave her alone,
go with a sure thing Denver's Best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance checkout free no
obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three oh three seven to seven to one. Help. You'll
think you're his only customer when you choose Frank durand the real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi, Tom Martino, you're a troubleshooter. Okay, Now
we're gonna we're gonna get stand the hoa man Kitschina, Let's get Stan the
hoa Man to talk to Steve. I want to find out Jim's got a
car question. Today? Today is car Day. Jim wants to talk about
a car lease. Go ahead, Jim, what's going on? Hi?
I'm into a car lease about two and a half years out of a four
year lease. Yes, and this was a lease on a new car.
Right, it was not a brand new car. No, it was it
was a loaner car from the dealers. Okay, got it? Got it?
So you're in your second year of afore year lease. Yeah, I
mean yeah, got it. So what's going on? Man? Well,
I'm just wondering how difficult is it to get out of those It's not difficult,
but I'm going to tell you it will never pay. And you got
to listen to me when I say this. When I say never pay,
I mean I don't care what they show you. It will never pay,
never, ever, ever, ever pay. Okay, you have a certain
amount to pay on that lease. There's an early termination penalty. There's also
listen here, when you do the math, you're going to end up paying
the entire lease. So you're going to have to figure out how to get
that over to a new car. And if you do it, most likely
they're going to add it. They're not going to give you any value for
the car itself. I'm telling you the number one thing I say when people
want to lease a car, the number one thing. There's nothing wrong with
leasing the car at all. In fact, sometimes it's wise you only pay
for what you use. But here's the problem with the lease. Okay,
if you're not going to stay in the lease, you are screwed. The
other one is the other one is if you're going to go substantially over the
lease terms and conditions, Rodney, I don't want you to. You don't
have to agree with me on this, but I say there's no way to
get out of a lease. Have you gotten people out of leases where they
at least truly don't lose money? I have got Now tell me how it
all depends on what you paid for the lease the car on the obviously yes,
yes, so you can get out of it that way. Go with
a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance paying too much your coverage at dozens of
insurance companies find out Now three oh three seven to seven to one help.
You'll think you're his only customer when you choose for ain't durand the real estate
Man dot com to list your home with Remax Alliance three oh three nine two
zero sixteen twenty two ripped up news so you don't have run incious stas as
we can, Shooter's gonna help, come man. This is the Troubleshooter Show,
No Tom Martinez. Hey, I'm Tom Martino. Welcome to the show.
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zero two seven seven six seven seven zero two seven six Welcome. So listen,
we're talking all kinds of things today. I want to get right to
this. Okay, we got stand the HOA man. I'm going to all
of your calls. I haven't forgotten about any of you. Stand the hoa
man. Stan, Listen. You know the insurance crisis is hitting condo and
hoa's and high deductibles and whatever, and people are being socked with giant assessments.
My god, they have a hailstorm, they get a letter, they
got to pay twenty grand. Think about that. You've been hearing about it,
right, Stan, absolutely now here's the deal. Steve says, Look,
it is what it is. If it turns out, we have a
giant deductible. If it turns out I need money to pony up, I
need to do it. But he asked a very good question, how do
we know? How do we know? So he's a he's an owner,
and Steve wants to know, how do I get accountability? Steve, have
you or other owners asked for the breakdown? Yeah? Well, first off,
all homeowners are asking for information, Uh which which would which would give
us the breakdown? But just information what they should They should have sent that
with your with the assessment letter. They should have sent this. Here's how
much damages we sustained. Here's how much the insurance is covering. Here's how
much we need to cover. Here's how much it is per owner. They
didn't do that in your assessment letter. Yeah, the assessment letter has not
been sent. They've only said that it's coming. It's going to be sent.
But but people homeowners are requesting what damage was done to which homes?
Uh? No, see that is the Steve. I'm gonna tell you something
that truly is the wrong question to be asking. Kenn n h U A
do that. I'll ask Stan if they're required to do that. But you
know what your people don't understand is my home wasn't I'm not paying that much.
I didn't have that much damage. It's not going to work that way.
What what people in condominium association need to put out of their head is
that they're only paying for their own unit. They're not. So if your
owners want to know, we want to know each and every building and what
was damage on each and every building, It's not going to happen, at
least I don't think it is. Stan. What would the HOA be required
to let them to show them? Well, this gets a little complex.
Has and management companies are notorious for billing homeowners without invoices. In fact,
it happens every time. Oh no, I'm not for that. But what
he's asking, he's asking for a detailed breakdown of where the damages are.
Right, and one of the main issues complaints is just what you're talking about.
They give you the silent treatment. They don't give it to you.
They say it's proprietary. This is not proprietary, right, Like you want
to know the details of a biddering. Now they should be able to look
at the insurance adjusters report. They should be able to look at the contractor's
report. But you can't expect the HUA or management company to make a separate
spreadsheet showing each and every building and what's this and what's that. That's not
what we're requesting, Tom, I'm sorry. We are just requesting for the
two information on your asked the what what was the insurance appraisal? What what
did the adjustter come back with? Good? And then and then what what
were the beds that were in the bids from the contractors? Right? You
want to look at the bids, now, Stan, They should they should
be able to hear all of that, right, yes, except if it's
proprietary and it gives if the details of the bid, but they should be
able to see the bids that came in, yes at a certain yeah the
answers, yes, okay, So what are they not doing or it sounds
to me like they didn't even send out the assessment letter yet, Steve,
So that's correct, and so homeowners are wondering when that assessment letter comes,
what do they do without any information or background? Okay, of the things
we first, let's hope they send out the assessment letter with that information on
it. Okay, but do they have a meeting between now and when the
letter will come out? There is an upcoming board meeting when next week?
Okay, Steve, and the some of these things are on the agenda,
p Steve. Then you need to get a contingency of homeowners not to bitch
and moan. I'm telling you where homeowners go wrong. What they don't understand.
They are the h O Way. If they give the HA Way trouble,
they're giving themselves trouble. Now, what you don't want are kickbacks and
cheating and underhandedness, hiring friends, inflating prices. That does happen, but
probably not as much as we think it does. But it does happen.
But you have every single right at that meeting, right stand for them to
ask for they can actually see they could. They should duplicate the adjusters report
and the contractor's bid. Right. I have no problem. You are correct.
Here's the problem. Let's say they go there and they make the requests,
make the requests verbally in writing, do things in writing? What happens
when they say no? Or let's if they say yes but never deliver it.
What does a homeowner do okay, good, good? What do they
do? What do they do? Well? The answer is the same as
about ninety percent of the HOA homeowner complaints. They have one, they have
to go to court. They can use small claims court. There's a risk
there they could lose thousands of dollars if they don't win the case. Okay,
and they probably want to get their own lawyer. That's not the way
to settle these is no oversight of the HOA or property management industry in this
state. You have to go to court. And when you tell people that,
they get this blank look on their face. They say, well,
what about the HOA office that we have in the state. They have no
investigative authority on any of this or can render decisions. So you're telling me
if an HOA wants to be crooked, all a homeowner would have to have
to spend the money to go after them. That's one hundred percent correct,
and then after that could be assessed with legal fees. If they lose that
case, you better be prepared to past five, six, ten thousand bucks
of that court case, even if it's in small claims of the legal expenses.
You know, well, then here's what they need. They need to
use the bylaws to attend meetings and get information and information is not delivered.
They need their strength in numbers. They need to ouse the board. That's
what they have to do, or fire the management company. Understand and stand.
I don't care what you say. You don't need court to rally owners
to oust a board. You would be surprised how difficult it is because homeowners
get intimidated by the current board. And I've move been over this so many
times. Just to get a signature on a recall is extremely difficult. I've
had people who have been successful in it, and there were repercussions in it,
but those year down to the end of the line about resolving this or
getting the issue. Okay, thank you for bringing reality to the situation.
The HA Forum, what is your website? San Colorado hoa forum dot com.
You know we need a board with more teeth at the state level to
help homeowners. I'm serious, because they're little governments that are unregulated, like
where we have bills. We've been We've gotten them through, We've gotten sponsors
for the last I don't know how many years. I've been at this for
at least eight years, and they keep getting defeated, don't they pardon me,
They keep getting defeated, defeated, they send lobbyists one case, they
send them for Virginia. But here's what I want to know, Stan and
again, we are ruled and heavily ruled by Democrats, and I want to
say, this is one area where you would think Democrats would want this regulation.
I'm serious. Democrats historically have been for this kind of regulation. They
have been I agree, and that you'd be surprised what happens down there.
The Democrats don't even support their fellow constituents in the legislature. It's a crazy
thing. We have five bills coming up this time in h away reform,
and one of them is very very Two of them property management licensing, trying
to get that reenacted, and foreclosure reform. I can predict this real quickly
with what you were referring to as these increases in special assessments, Yes,
in your regular assessment and insurance. These are not only they're off the board
or skyrocketing. We are going to see by midyear. I would be surprised
if we didn't a lot more foreclosures. Oh, we're gonna see a ton
I'm going to tell you there is going to be a glut of town homes
and condos on the market and values are going to plummet. Now, Jim
Jersey, Steve, here's what you need to do. I'm hoping your board.
Is your board crazy or do you think they're cooperative? Homeowners here would
say they're not have not been cooperative. Then you need to start hold on.
You need to start doing some legwork. You need to go to that
meeting, get people there to demand and information and then go about trying to
oust them. And another thing I didn't even get into and I don't want
to are proxies and how proxies perpetuate the power because some homeowners associations accept proxies,
meaning that people who don't care give their right to vote to someone else.
Sometimes you can have one person that carries the weight of almost a majority,
one person, Steve, so understand Toime. We won't get into this,
but this community has been through that recently, and as Dan alluded to,
it's a very tough process. It is a tough process. I'm telling
you I will never live in an hure. I will never live in a
condo association and town home association again. Ever, and well, I have
an hoa where i'm and I'm talking about that. There're single family homes.
There's only so much they can do to screw with you because you have a
home. But when you're talking about condos and town homes, your entire life
rests with them. And if you get a bunch of nuts, you're screwed.
You're totally screwed. And I'm telling you I will never it isn't in
my opinion, it's not an investment. It's just a dressed up trailer park.
That's what it has become. A dressed up trailer park. That's what
condos. I don't care how expensive they are. In fact, the more
expensive they are, the more danger you have of your investment going to hell.
Steve, I wish you the best. We did have to highlight this.
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Com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Hi Tom Martino, your troubleshooter three O three seven one three
talk seven one three two five. I back to Jim. Jim, here's
the best thing to do. Rodney and I were talking, because really whether
or not early termination works is if early termination works for you. So what
kind of car do you have? Get some Mercedes? What kind of what
year? All of it? Tell me all of it? Twenty two GLC?
And here's work? What GLC? What number GLC? Three hundred,
three hundred GLC? And it's a three hundred GLC? And is it loaded?
It is not loaded. It's not totally loaded like I thought it was
going to be. I bought it back when or I least it back when
the pandemic had caused them to lay off people. Okay, so listen to
this. I need to know something else. How many miles on it today?
Well? I was just going to head out there to look that's where
I'm probably I only drive less than five thousand miles or so a year.
So let's say you have let's say you have ten thousand miles on it?
About that okay, I don't know, Or do you have twenty how many
miles were on it when you bought it? It was a loader, it
was about seventy five hundred, okay, So let's say you have twenty thousand
miles on it? No, you got to tell me. We get a
value on them. So let's say the value on that Rodney. I don't
know if you have that quickly, but if the value is x, then
you multiply the remaining payments because you're gonna end up paying the remaining payments.
You're not going to get out of that. You're gonna pay the remaining payments.
Was it through a credit union or was it through the How did you
guys do the least? It was through Mercedes dealership. It's a different game.
Now. Why is that? Credit Union has a simple lease program,
so at any time in the lease you can convert it to a loan where
I don't know what Mercedes do. Yeah, so bum I'll tell you what
they do. You pay all the remaining payments. That's your early termination.
They're not going to get out of it. That's a that they buy those
cars for an investment. It is a guarantee to them, otherwise they wouldn't
be in the business. You're going to pay the remaining lease. How much
is your payment each month? Six hundred and ninety dollars, okay, six
ninety And how many payments do you have left? Well about two and a
half years, so that being twenty four took thirty okay, So you're gonna
have to pay twenty thousand, seven hundred dollars. Now, if the cars
worth twenty thousand, seven hundred, it's a wash, you walk away.
If it's not, you got to kick in. If you have positive you
should get money back. But here's the other rub. Most dealers won't apply
that money back. JFR Cars would. Rodney would because he's honest. But
you need to know before you go in what that car is worth, period,
because you're gonna have a twenty thousand, seven hundred dollars bill to pay.
And also if the dealership. One of the things that dealerships are doing
now, they're controlling the lease, so you can't go in and break it
unless they're in agreement with you breaking the list. And the only time they're
going to let you break it is if they make money on it, right,
it's listen. My advice is how badly are you just tired of the
car? All right? Yeah? Is that the bottom line? You're just
tired of it. I'm tired of I have a six hundred and ninety I
hardly drive it all. I have a six hundred and ninety dollars payment just
sitting in the garage, And you're not going to Okay, if what you
want is to get rid of the payment, you might be able to do
that. You might, Yeah, give me a call. I'd love to
okay, if that's all you want. You just want to get rid of
the payment. But if it's worth more, Rodney, You'll be honest with
you, you might be able to do it. But Jim, here's the
deal, Burrow. That's different than if you were tired of it. If
you were tired of it, I'd say just grow up. I thought you
were tired of it and want another car. You just want you don't want
to payment? Right, Well, what we my wife and I both we
have two cars. We want to go down to just one car. I
got you, bro, Now, that's the most smart thing. When you
you truly do want to get rid of it. That's going to be easier
than if you wanted to get another car, right, because you're not did
you put any money down when you did this? No, you're going to
come out okay. I think you're going to come out. Okay. I
was hoping that you didn't want to put it toward another car, because then
you're gonna end up screwed. But let Rodney work it out and call us
back. I really would like Rodney give him your phone number three oh three
five to two oho six eight three nine, and it is a formatic right,
yes, And again I don't know your miles. I'm seeing that that
car is worth about four about fifty three thousand dollars. Oh my god,
this guy will come out way ahead. Yeah, so I and if we're
talking the same we are talking to a three hundred GLC twenty twenty two.
The AMG package or or no, no, I don't think you have an
AMG. What's that? Never mind, it's a special trim package. Hey,
Chris, let me go out. I'm gonna put you on hold.
Go out and get the exact miles. Okay, forty four thousand if it's
not an a. Go out and get the exact miles. That's worth about
forty four. If you owe twenty seven, you're good, would you if
you want to get rid of that? Are you guys in a position to
write him a check to walk away? Or would he put it for sale
or how would he do it? Yeah, we would buy it. We
just we just got to look at all the numbers and the fees and all
of that, but we would definitely buy that car. Jim, go out
and get a number. Man, Gabe's got an issue with a coolant leak.
Go ahead, Gabe, what's going on? Good morning with Markingo?
Hey man, what's happening? Oh? I have a car issue over here.
Ye first time falling in and I was strongly recommended to give you a
call it and luck I was able to connect with Kelly. It's a long
stort of I try to be brief. You're welcome to interrupt. You have
a two thousand. Here's what I want to know. You have a twenty
fifteen Jag. Is that right? Yes, sir, it's a Jaguar x
J. And what I'd like to also know is how many miles? It's
about seventy two thousand, Okay, so are you? And then when did
you develop the oil league or coolant leak? Coolantly? Yeah, I've never
had an experience within the oil league at all. I'll get the card.
Yeah, I meant the coolant leak. When did you get the coolant leak?
I suddenly I had a coolant leak too? Is December thirtieth? Okay,
twenty twenty three? How bad is it? How bad is the lead?
It basically dumped all the coolant, so severe enough to basically drop the
cool it how wait? Wait, wait, wait, when you say dropped
the coolant, if you filled it up and went driving and you get to
a destination, the coolant's gone this particular time, all of a sudden,
I just dropped all the cool I don't know what. There's no Do you
see any smoke or overheating? Yeah? Yeah, I pulled over immediately,
within like half a mile. And just that could be something very simple that
could be complicated. Hold on a sec We're not going to answer right now,
but hang on one more question. Do you have any kind of coolant
in the oil? Is the oil pure? I believe it is. Partly
my challenge is getting the information from the mechanic about what the status in costs
and so on and so forth is what do you mean what mechanic the shop?
The at the uh mechanic the dealership, if you will, Is it
at the dealership? Yes, sir, it's at the dealership. It has
been that there since January. Second, well, there's no reason for that.
I mean, what dealer is this? It's the Jaguar Dealership in liquid.
Okay, so hold on a second, we'll figure this out. Coming
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Help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Three
oh three seven to one three talk seven one three eight two five five.
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A complete system with battery backup. That's that's unbelievable. Isn't a twenty one
grand pro bid? Energy dot Com? All right, now, let's continue
here, Gabe on this coolantle. Here's the deal. It's way more if
you're losing all the cooler like that, it's it could be way more involved
than you think. But wait, it could be very simple. It could
just be a hose. I mean, it could just be a what guys,
I mean well, I mean does it pour out if you're pouring it
in? Does it just fall street down a six? Like when you had
to pull over? Gabe, did you have a toe truck truck take it
immediately? Yeah? I called one immediately. They took about hours to get
it, so you don't know. But there there's no reason in the world
it should be sitting there this long, No no reason. There's a lot
of things going on in between. But I'd say this, like, what
have they ever looked at it and gave you any idea and given you any
idea? Me? Not? Really The issue began when I had taken there
and then I was asking them what's wrong with it? And they said it's
a cool it leak, and it looks like you have a severe crack,
and you dubbed a bunch of cool it. Oh my god. If they
said a severe crack, they don't mean to get a reservoir. Oh it
could be the reservoir, or if it could be the tanks on the radiator.
Yeah, they didn't say you have severe engine damage, did they.
No, they didn't say until again, there's still a lot of exchanges.
But now they're saying that's how I got that nineteen thousand five quote. They're
trying to tell me that it brought it for a cool it leak that I
never could understand. What Wait a minute? Wait, whoa, whoa?
Did you just say a nineteen thousand dollars quote? Yes, sir, nineteen
thousand, five hundred dollars to get the car where and drive out again?
And I did not have no no, no, wait wait wait wait wait
gay Gabe Gabe nineteen thousand, yes, sir? Is that crazy? No?
No, no, no? Hold on? What did they say is
wrong with it? Bro? I within a week ago, about a week
ago, I probably got some more details to do. Well, what do
you mean more details? You got an estimate. What does the estimate say,
Oh, I'll rate it, Jai. Let's do what I can find
out. Well, what are the items, Carol? It doesn't that's Tom.
I have not received an itemized. I have no idea. I'm going
to tell you something. You need to get it out of there. First
of all, the dealer is going to be three times is more expensive than
anyway you got to get it out of there. Have they done any work
at all? Gabe? They said, I have not approved any work.
I was inquiring about a cooler leak and understanding about that. Are you positive
you have not approved any work? Are you positive? Yeah? I verbally
approved a coolant fakes if I knew what the cost was going to be.
Because when they send you, they have a portal system to an online system
that shows you abbreviating. Gabe, you're way too uninvolved here. You need
to get over there and get your car. I'm telling you you're about to
get bent over. There's nothing in the world that should cause nineteen grand unless
you're getting a complete new engine and maybe transmission along with it. Right.
Yeah, I don't don't believe any of it, which is why I was
telling them that there's something going on here. I think that's something very shade
is going on. You got to go get your car and take it to
somewhere better. Okay, that's all I can tell you, man, You
got to get your car. Do you work on Jacks Kevin? Yeah,
we do all the time. In fact, we're right across the street from
the Jag dealer. You're right across the street. I look out my window
across Coal. Fact, get it over across the street to Kevin. I'm
telling you, get it over there right now. Sharedan Auto Tech get the
hell out of there. Yeah, I appreciate it. They haven't been they
haven't told me any information to trying to hustle me. It's very clear,
sharedan Auto Tech. What are you kidding me? You got a nineteen what
could possibly be a nineteen thousand dollars estimate considering you can buy one for ten
Yeah, yeah, eighteen car. Wait, did you know, Gabe,
do you know your whole car is worth less than that? Yeah? I
paid basically just over twenty for my cars in great conditions, and they're telling
me it's worth eighty. And I've got to expect to pay at least that
much. And that's a deal in nineteen five. Wait, wait, they
say it's worth what, Gabe, eighty thousand? Maybe they have your car
confis of somebody else said that your twenty fifteen Jaguar XJ is worth eighty Yeah,
emails and all this kind of stuff. Wait, it's worth eighty thousand
dollars, that's what they say in their email to me. Yeah, is
that on a trade. No, they're trying to I think pride condition to
try to get me to soften up on a twenty thousand dollars six roughly when
I took in for a cool leak, which I still don't have the basic
details on. How can they say? How can they say that your car
is worth eighty thousand dollars? You have a five thy fifteen, right,
Yes, that's correct. Did you tell them what you paid for it?
Yes? Then they came back and said something I look at the emails right
now, But basically they said that they with the condition of the engine and
stuff like this, that you know you might get a trade in a wholesale
trade in of like fourteen thousand or something like that. Thirteen thousand. And
then their repair price went down from nineteen five to thirteen five. Listen man,
these people do you I don't know who owns this steelership? Who is
it? Do we know? Who is it? Are they part of a
group? Stevenson? Who's Stevenson? Sell to well, get it the hell
out of there, Gabe happy to do shared an autotext right us his street,
Get it out of there, Go with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay a cent until you're content than time
for an insurance check up free no obligation comparison call Compass Insurance paying too much
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to one help. You'll think you're his only customer when you choose Frank Durand
the real estate Man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three
O three seven one three talks seven one three eight two five five all right.
So read a call yesterday and had her car toad and she lives at
Stonecliff Apartments. And she said she did not know she was supposed to register
her car no one ever told her, and that was it. That's the
whole argument. And we said, well, there has to be signs posted
for sure about at least warning people other people who don't live there. But
then they also have to have they have to have noticed the people who live
there in some way. Rita's calling back. Now, Rita, so what's
going on with that? Did you do a follow up? And didn't we
give this to Deputy Doc to make some phone calls Kachina? We did.
He called and loved a message yesterday. They never got back to Okay,
So what's going on now, Rita? And I was driving my friend and
I were driving around all of a sudden, all these signs, all of
a sudden. You mean they weren't there. They put up all the signs
after you called us. I have no idea because I don't pay Oh,
okay, Okay, that's probably what it was. You weren't paying attention before.
But after this problem happened, and I told you to look for the
signs, you found them. Okay. Yeah, how many signs there's run
by the clubhouse? And I don't I didn't count all the signs, okay,
but there were a lot of the seniors. What I want to know
you've lived there a year and never noticed those signs before. Uh no,
my goodness. So I don't think you're gonna How much did it cost you
to get your car back? Four four dollars? Oh my god, four
hundred and ninety four dollars and twenty four cents, I mean twenty seven.
Did you register it now? Yeah? A friend upstairs came down and I
thought they were talking about my disability packard. I had no idea they were
talking about the car, and I kept saying, but the placard was in
the window and so I mean in the front windshields, And that's truly what
I was thinking. And then a friend came down from upstairs and she started
to register it. She says, it's your car knocked your placard. Well,
I'm sorry this happened here, Rita. Thank you though, for following
that up for us. We do appreciate that. But yeah, there's not
much you're going to be able to do. It's hard to make the argument,
especially when there's a sign there. Chris, what's going on with T
Mobile? Hello, Chris, welcome, what's happening? Yes, I've been
having some issues with T Mobile on what was it Saturday? Yeah, my
wife's phone just died. Well I didn't die, it just doesn't have any
service. So I've been calling. So the phone works, but there's no
service whatsoever. Correct, Huh, what do you think is going on?
Well, so we call T Mobile and they said, well, your phone
was reported as stolen. Oh it's blocked. Now we did not report this
phone. We have the phone in our position. Obviously it was a mistake
of some kind, right, correct. So they said, well, first
they said, well AT and T put a block on your phone, and
well, how could that be? I don't have service with AT and T.
Well they're the ones that reported it. So we call AT and T.
AT and T said nope, we didn't do that. So then call
T Mobile again and then they said no, it's another company somewhere in the
Caribbean. So we call this company, same thing, like, no,
we can't wait a minute, Wait a minute, why can't Why can't T
Mobile just turn it back on? Because they said that a different carrier blocks
a phone. I've never heard of this happening before ever. Wait a minute,
a different kick, Where did you buy those phones originally? So that's
the thing. I bought a brand new and I don't remember it was through
eight. I don't remember if it was through T Mobile or the Apple Store.
I'm pretty sure it was the Apple Store, which we also called the
Apples take support and they said, nope, there's nothing we can do.
So this happens. So wait a minute, the iPhone. That iPhone will
not work anymore. All of a sudden, one day it stops working,
and everyone is telling you you it was reported stolen. Correct, So the
phone works, I just cannot make any phone calls in or out. Well,
then it doesn't hurt wi Fi. I can say if I have a
WiFi, I'm able to send texts and use the phone as normal. Go
with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay
a cent until you're content. Time for an insurance checkup free no obligation comparison
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three, seven to seven to one help. You'll think you're
his only customer when you choose Frank durand the Real estate Man dot com to
list your home with Remax Alliance three oh three nine two zero sixteen twenty two
news. So you don't have come running as fast as we can. Shooter's
gonna help come MANX is the Troubleshooter Show. No Tom Martino. Hi,
I'm Tom Martino, your Troubleshooter three oh three seven one three talk seven one
three eight two five to five. This hour brought to you by one Clear
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that website. Okay, today's card day. We have Kevin Calkin shared an
Altitech Rod Greer, chev Our Cars, Jeff Fick, Kimera transmission. We've
been talking about all kinds of cars. Cheffon wants to talk about mail in
ballots. Cheffan, what is your comment on mail in ballots? Go ahead?
Yeah, there is a problem with the envelope. They have a punched
out hole in them that shows if you're finding in a blue ballot or the
orangish colored red ballot, And why did they have that? Why did they
color it? Okay, and why do they what do those colors signify?
By the way, blue is a Democrat and the orangish colored one is Republican.
Oh and they have a window where they can see that color. Yes,
there's a punched out hole right in the envelope that anybody grabbing that envelope
can see the either blue or orangish red that's on the side of Well,
that's to throw away, That's what I'm saying. I don't know. Actually,
I'm just kidding can but wow, I didn't I didn't realize that.
Really. What do you think, Kevin, Well, it's not for the
election, it's just for the primary primary. Yeah, okay, I can
just resorting that. You have to see if it's for the primary. I
can see that, because then they they put all the Democrats together and all
the Republicans together exactly running against each other. No, no, I understand
that. Okay, I yes, Chafon, thank you you had me.
You had me there for a minute there, Chris. Back to your cell
phone problem. Okay, So one day they wake up the cell phone doesn't
work. It's an iPhone, it's with T Mobile. T Mobile says it
was reported stolen and the E I N number was flagged, so they said
to call who to get it fixed. Well, so that's the problem.
So they've they've already referred three different networks and nobody has been in. But
you were always on T Mobile with that phone, right, yes, for
two and a half years with the same phone, and then all of a
sudden it stopped working. And Mobile says it is reported stolen, correct,
which, well, obviously somebody, somebody put the wrong number in there when
they reported as stolen. So if that phone's reported stolen, what they see
they won't let stolen phones operate. And I think that's a great system.
But what I need to know is this, Who did T Mobiles say to
call to get it straightened out? The very first time? AT and T?
And AT and T you called? And what did AT and T say?
Why? AT and T? Are you on T Mobile? Is its
own network right? Or is it on or does it piggyback? No,
it's its own network. It's correct that provider put a whole or a block
on my phone. So I called them. I told them I don't have
an account with you guys. No, No, they put it by mistake
on another phone and probably just miskeed it or something. Yes, But when
I call AT and T, he's like, no, we don't have a
block on your phone. So then I called T Mobile again and they said,
oh no, no, it's a different company which is out of the
States. So I called that company and they said no, we can't do
that. Last night they're telling me, oh, it's Infinity Mobile. So
I call Exfinity Mobile and they're like, no, we don't. We don't
have a block on your phone. It can't raise. This is stupid,
are you kidding? Men? It's and you have a perfectly good phone that
can't be used on a cell correct, So I'm paying for no service since
satally does yours have well, they obviously have to cancel that plan for you.
But does your phone have a SIM card? Yes, they redid the
same card the SIM card because I tried on another phone and it works.
It's a phone that is blocked. I don't know how that is possible,
but but T Mobile did not report it. Does T Mobile have a record
of your ei N being with them from the beginning? Yes, yes,
because they show the activiation on twenty one. Do you have anywhere? Do
you have proof of the purchase of that phone anywhere? I do not,
because they need to ask me for that in you know, this is a
two and a half year old phone. Yeah, but I have proof of
purchase of all my stuff. Well, you're you're really good at it.
No, I mean, I mean, it's not a big deal. It's
an email you didn't keep there. You don't have the box, you don't
have anything, right, No, No, that would have done it right
there, right now. This is a first for me. Huh, still
blocked. No. I know. What I'm saying is it's a first for
me that somebody misqueue the phone, so yours ends up not working. And
unless you can prove you on it, and you would be able to with
purchase docs, if you know where you bought it, they may have the
records of you buying it. But they're they're they're not saying that. They're
saying, well, we're is colleying things and we're working on it. They're
not saying, if you don't provide me with a receipt, we're not gonna
unblock it. They're not saying that. They're saying, we're working on it.
Give us another I don't know, another two days where they keep tell
you who you've been talking to customer service a T Mobile. This is outrageous,
it is it's stupid. They should be able to fix it. I'm
trying to think who we call to find out more information on this. I'm
really trying to figure that out, because you know, every time I called,
every time I called tech support, somebody else somewhere in you know,
India or whatever. And it's just frustrating. You mean, that's who you've
been talking to from T Mobile is a call center? Correct, I've asked
to talk to somebody above them, and it's just impossible. Could have you
better off just going to a store and just taking a chance and somebody there
has a brain. Didn't you say you went to an Apple store or T
Mobile store? No, the the Apple. It was purchased at the Apple
store. Did you go back to that store? No? No, that
was you know, I'm about it two and a half years ago. I
did go through the tech support and they couldn't help me because they said,
no, this is a network thing. The phone works. It's just blocks.
Okay, So when one carrier puts out a block, they all carry.
They all block it is that it uh. The way they explain it
to me is that one carrier blocks it and then basically the phone becomes unusable
for phone caals. I mean, I don't I'm trying to think aloud here,
I don't even know what to do. I'm trying to put in a
question here. Well, I'm baffo. Every time I called tech support they
asked me for a pin, numbers, information named I was asking them,
how can somebody just put a block on a phone without notifying me, without
any information? Okay, what happens? What? What? What did they
say they did? They're like, we we did send an information. No,
I never got an email or anything. Okay, here's what Here's what
I said. Listen, listen, I put I use chat GPT. By
the way, when a smartphone is reported stolen, the number the electronal series
es N number or the I M E I number yea, and they are
flagged in a database and unable to be used on carriers. Correct. When
you report to the carrier, you give them the number. What is weird?
Is this? What proof do they have? What if I just wanted
to give them Kevin's number or Mark's number, just to be a pain in
the ass and say it was stolen. I mean, what follow up do
they have? That's that's exactly the problem. And then hold on. The
carrier adds it to a blacklist and it's shared among many countries. Yes,
once the phone is blacklisted, it cannot be activated, correct, And it
says it will not affect the phone's ability to connect to Wi Fi or using
it as a computing device, but it will never be able to be used
for cellular data, making calls or SMS. It has international cooperation, and
it says police cooperation, and if the phone is recovered, the owner can
request that it be removed from the blacklist. Okay, you must provide proof
of purchase. That's what they're not telling you. That's not what I'm telling
you. That's it right there. I'm telling you. That's it right there.
In a nutshell to unblock your phone in it says, in the event
the phone is recovered or was placed on the blacklisting error, you must provide
proof of purchase. That's your problem. I would go to well, guess
what, I can go to Apple right now online and find out everything I've
purchased from them. You can't do that I don't know why. I don't
know why I can. Do you have a log in? Yes? I
do. Okay, there's a record of your purchase right there, and the
E I N number is it's not EI N, it's ESN. THEES number
would be there now though I don't know it, says you. So,
but the biggest problem, the biggest problem is key Mobile. You're right about
all that. They do have a list that they share with everybody. But
I've gotten three different carriers. That's the problem. Every time I call a
carrier, T Mobile comes up with another carrier, which, yeah, but
that's because they probably don't even know. But it's not important that you know
the carrier. It says your carrier has the ability to unblock that with proof
of ownership. That's not what they're telling me, Tibi. Well, okay,
okay, I don't know what they're telling you. But I'll bet you
this. If I had a phone and I had a contract with T Mobile,
and I had an EI N number and I mean, uh whatever,
yes, then I'd sue them in small claims court for the cost of that
phone and I'd get paid. If but you don't have proof of ownership,
I'm not going to repeat it again. Man. Okay, you may not
like the answer, but you need proof of ownership. Once you get that,
if they will not unlock your phone, once you have proof that that
EESN number is yours, then I will help you and you'll file a small
claim for the price of a new phone and get it. Okay, you
will because the first of all, they're not even gonna show up, but
if they do, they'll lose. They have a responsibility. Three oh three
seven to one three talks seven to one, three eight, two five five.
Go with a sure thing Denver's best roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free
no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance
companies find out now three oh three seven to seven to one help. You'll
think you're his only customer when you choose Frank durand the Real estate Man dot
com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two. Hig Martino, you're a troubleshooter Denverregen dot com is doing weight
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drugs. Always check with your doctor before you go on a weight loss program.
That's Denverregen dot com. All right, now, Mike's got a power
booster question here? Uh, a power break booster? Is that like power
breaks? Is that what we're talking about? Yeah, vacuum booster. Aren't
they all power breaks nowadays? Nowadays? Are you okay? So what's your
question? Mike? You have a seventies wait, a seventy six Ford Bronco
Little Square one. Yeah, those are cool. Yeah, I'm restoring it
right now. And I've got a break problem. I have an aftermarket disc
rear brakes and when I push and apply the brake, the calibers stay pushed
in and I literally have to use my foot to pull the pedal back out
to release the calipers. No, why is that? Man? That's is
there a leak somewhere it's leaking down or what? No? No, no
leak, Like I said, there aftermarket disc brakes on and I was I
was wondering if Kevin would know anything. Yeah, I mean you just got
to start loosening things up and make sure it's not the caliber itself hanging up.
Uh you know mechanically. Yeah. So normally that's under a pressure like
hydraulic right, correct, So when you press it down it wants to pop
back, yes, So what would make it not want to? A mechanical
binding would seem like we're only either in the shaft you know it's going in
the master cylinder or booster. Uh, it could be out of adjustment.
There are there little flow valves and well there's a proportioning valve. Yeah.
I mean that's the next thing. You just got to kind of work your
way through and see where you know, if it's hydraulically holding it on or
mechanically holding it on is what you have to differentiate. First, does it
pop right back out or does it come out slowly? I push it in,
and if I'm on a hill, it literally stays compressed and I won't
go. I got to pull take my foot and pull the brake pedal back
out. But when you pull it back out, does it come out smoothly
or does it pop? Oh yeah, nope, comes out smoothly. That
sounds like hydraulic problem, doesn't it. It could be something in the masters
owner hanging up. Yeah, I don't you called your I called your shop,
Kevin, and you got work on these. Do you do you have
anybody that you could refer me to an older vehicle like that? Yeah,
we can get you and my guys they shade away from the seventies cars because
parts are just too hard to get. But yeah, well we can.
We'll squeeze you and I'll get you number and give you a call after the
show. Hey, Kachina, get his number for this seventy six. Yeah
it sounds and there's no fluid leaky anyway, right, not at all?
And do you have good pressure when you push it down or is it mushy?
No, it's got good pressure. It's just like it needs a spring
to pull the pull the pedal back out. I'm not quite sure. But
by the way, I know it. By the way, that sounds silly.
But have they ever on these older models? Did they ever use springs
to they they did on something? Yeah, I mean could it be but
the but wow, Okay, when you apply on hydraulic you put the plunger
is pushing the fluid through and collapsing the or squeezing the caliper. Then why
then when you stop pressing on it, why is could it be a bad
plunger? Exactly? That's what I'm thinking of, something hanging up because the
pressure itself should be enough to push it back. Okay, Yes, Mike
uh shared in autotech dot Com threeho three four five forty two. And then
he'll get your number as well. A lot of calls today and we welcome
more. I got Dan coming up right now. And then Dan wants to
talk about a starter anything on your mind now, it doesn't have to be
car related, of course, it could be anything you want. Three oh
three seven to one three talk three O three seven one three eight two five
five. Dan's got a starter issue? Dan, go ahead, Yeah,
time. I got a two thousand and four Nissan CenTra and it's been running
just fine. But the other day I parked it to run into a store.
I was in there five minutes, came back out and it wouldn't start.
You know, I got plenty of battery. It turned over fine,
But okay, when you try to start do you hear a click? Do
you hear a click? Click? Click click? What do you hear?
No? I hear the normal sound of the engine turning over. Yeah,
and it's like there's not any fuel get into it. It's what Yeah,
either fuel or Sparket's you gotta differentiate so you see which one could be something
as distributor not sparking inject there's not firing. Is that something that happens instantly
because I parked it for it's electrical, it's you know, easy analogy,
go in to a room one time and the light works, next time you
come in, it's it's off. You know, it can happen that quick.
Sure, it could be what what could it be that I can go
eight to z there, there's probably twenty five things it can be. Oh
really, Oh yeah yeah, because it's just without knowing if it's spark or
fuel and then you go down that road whichever way you go there. So
yeah, and fuel filter in the tank right, well, no, it's
got an inline fuel filter. But that's not something that would happen like that
that that wouldn't you Instantaneous failure is going to be something electrical typically, I
mean it could be the fuel pumped filter. If you're thinking fuel, I
mean you can just spray a little bit of starting fluid inside the air cleaner,
just a little bit, doesn't take a whole lot and then crank it.
If it tries to fire, then you're on the right place. Yep.
If it's not, then you're most likely looking in the ignition system.
How long would it take you to find something like that if you pulled in?
I mean a lot of people don't want to leave a car for a
week. I mean on quick stuff like that? Is it any type of
dig? We request the day, but you're typically an hour to an hour
and a half tops. Yeah, there's a good place I can take it
to. I'm up in Broomfield, hands up there, hands On Auto Tech.
At where they're in hands on Auto Tech. They're not far from you.
You're in long Mont area? I think? Is that far? The
problem is I'd have to toe it because I can't get it to start.
Oh yeah, you got to toe it anywhere you go, no matter what.
And jumping it doesn't help because it's not an electrical issue, not a
battery yep. No, Well, long month about thirty miles from where I'm
at, Oh, crap man, that's too bad. Dan, I don't.
I don't know if any mobile meganics or anyone. I really don't.
You can't, you can't get it started. It So it's good. If
it's just going union, is that what he's saying, then it's air or
fuel or spark or spark. I mean it's one of those, Dan,
I mean what a triple A or like? There are there? I mean
other than triple A. Are there mobile mechanics around anymore? God? I
don't know of any good ones. There was one that we used for a
long time and unfortunately he moved Florida. Yeah, is that the one?
Well? No, yes, we had a diagnostic guy that did it Norris
right, Floris. But it was another one he worked for me at one
time and started his own mobile service. Is automotive MD is still around.
I don't think they're around either of the they're gone. God. We used
to have two good automotive diagnostics services. Now they didn't necessarily do repairs,
but good diagnostics. But if anyone knows that good mobile mechanics, and that's
something that I would never use a mobile mechanic for major stuff. But man,
it's there are dozens of times. I can think of where people might
need them here and there. Rodney at JFR real quick. Here we were
talking about leasing versus buying. Really the question is why does anyone buy?
If you think about it, If you lease the proper way, you're paying
for just the time you're using that car, and you're turning it back and
you're walking away. And theoretically that's the way a good lease should work out.
Yes, And it's the and you know this is a matter of level
of and there's no cash invested, right, and it's a level And my
theory is this is a level of economics. Is that if you buy a
car, you hold it for you pay it off, You try to pay
it off in three years, and you take the remaining of three more years
and have no more payments, and it's out of pocket expense. It's always
better if the car is not too expensive. And that's what we want to
stress leasing versus buying. Leasing would always work if they didn't screw you on
a lease. The problem with a lease is so few people understand it right
that there's more ways to get screwed on it. Exactly. But if you
truly get a good lease, there's nothing better, right, And that means
not overpaying on the acquisition, right, And that means not paying too high
of a money factor, and that means getting true credit if you buy down
the cap costs with a trade or with a down payment. Most of the
time you don't get credit for a down payment or a trade. They screw
you on it, right, But cost wise, out of pocket, it's
always better if everything is equal equal, it's always better to buy because wait,
what do you mean it's always better to buy? Well, if you
have if you need a twenty thousand dollars car and you pay twenty thousand for
it and you hold on, these cars will last over Most of these cars
will do over one hundred and fifty miles on it. So if you own
that car for an additional oh yeah yeah, yeah yeah, But I'm talking
about if you want to keep a new car. Yeah yeah, If you
want to keep a new car, you'll be forever paying for a lease,
that's right. But you won't have any heavy cash outlay right in cash because
there is a there is a cost of money if you're paid outright for I
mean very few most people finance anyway. So if you went financed versus lease.
I think lease is smarter because you're not financing the whole amount, you're
financing just the part you're using exactly. That's with a lease. If you're
paying cash, that's a different story. But then paying cash is a good
value for somebody keeping a car, but it's not necessarily a good value if
you want to keep trading, because that money is tied up that could be
doing other things. We have more coming right up. Go with a sure
thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three oh three seven to seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two. Hi Tom Martino, you're a troubleshooter. Three O three seven one
three talks seven one three eight two five five. I want this comment on
the seventy six Bronco that the brakes would would squeeze but not release. What
do you think is going on byron? Uh? He has a residual pressure
valve. When you have vehicle with drum brakes, or residual pressure valve in
the master cylinder to keep a little bit of hydraulic pressure in the system.
When you have disc brakes, you don't have a residual pressure valve in the
system. And the calipers lets the piston come back just with the the ring,
the square ring that's in the in the caliper. I think I know
what I'm saying. I mean I so you're saying with a disc they don't
have that right. Disc brake systems don't use a residual pressure valve in the
master zone. Why do the drum Why do the drums use it? Because
you keep it. You need to keep a little bit of of pressure in
the mask in the hydraulic system all the time, because the springs are in
there. It would pull the it would push the springs would pull the shoes
back in too far if you didn't have a residual pressure valve. Okay,
okay, I didn't know that. And that residual pressure valve is sticking.
Well, it shouldn't be there where you have drums bread. Oh so when
we converted it, he did not take it out of there. That's right.
That's a pretty damn good idea. I hope he's listening. I have
an old Bronco. I converted the fronts to disc brakes. And you have
to have a master cylinder that doesn't have a residual pressure valve where you have
the dis Do you have to change out the master cylinder or can you just
take out that valve? Well, I changed out the master cylinder. He
might be able to just take the residual pressure valve out of his master cylinders.
Okay. Broncle probably came with disc brakes on the front in seventy six
and he converted the rear to dis brakes. Mine were all drum and I
converted the front to disc brakes years ago. Wow, that is so cool.
I love our audience. Thank you, Byron, appreciate it. Hey
Mark, what's happening with you? Mark? Hey? Guys? How you
doing this? Good man? What's going on with centry link? Hey?
I've had these guys, I've used their service. I don't know ten fifteen
years and I've always paid my bills by you know, I call it.
What do you have here? What do you have with centry Link right now?
Just the internet? Okay, just Wi Fi? Just the internet?
Got it? That's what I have. I love Centry Link broadband. I
love it. I dumped comcasts because they're so fast and good Sentry Link anyway,
keep going. So it got to where I would call and say I
need to pay my bill, and it didn't recognize my phone number and I
do not have any account numbers, and that was the only way I knew,
so I wasn't able to pay. Eventually it got turned off, which
you know, I understand, and so I got a different service. Now,
wait a minute, Wait a minute, And how long did you have
sent? How long did you have CenturyLink? Probably fifteen years? And of
that fifteen years you did pay your bill sometimes? Right? No? I
always paid my bill. Well, what did you mean you couldn't pay your
bill? All of a sudden one I would call? You know, they
asked you for your phone number. I know that you're right. Frustrating great,
did you know that you have a phone number? Did you know you
have a phone number assigned to you? Even though you're not using it.
I did have that at one point, and then they changed that and gave
me my phone number back, my original my regular anyway, So what's going
on now? So they turned my service off, which I understand. So
they're still sitting me bills and I'm still being charged monthly and I try to
call and say just turn it off, but I can't talk to a personate
a minute. Do you have the broadband service at your home? I no
longer do it's it's turned off. I no longer use it. I'm not
asking that, I'm asking if it's there. I have a router box.
Is there a live signal? Do you have broadbands? No? That's why
I say. They turned me off two months ago. Okay, why are
they still charging you? If they turned you off, I don't know,
but they I just get it on. Did they just turn you off or
did you cancel? No, that's what that's They just turned me off.
I have not been able to cancel. Why have you not been able?
Why have you not been able to cancel? I can't talk to a person
today. I called. Let me today. I called and the last thing
that the computer said is I need to get a hold of my provider,
and I'm like, I don't know what that means. You are my provider,
but it's a computer. Whose motive is it? It's it's it's mine.
Okay, so it's not theirs and you're just telling me it's impost.
They turned it off. But it's impossible to stop your contract, right And
I don't really have a contract though, I said no, but I have
a Century Link account online and you can cancel right there. I do not
know my account number. Well you gotta get it, bro, you got
to find an old I mean, I don't know what to tell you about
that, just like the other guy that said, you know, I forget
what the call was about. And I said, look, you got to
get proof of ownership of your phoney. So, oh, I don't know
it, but I'm telling you you go online. To you if you go,
just sign up as a new customer, if you've never had online access
and use all your old credentials, you will get online access. Then you
go in and cancel it. But that's how you cancel. You. I
didn't realize when you said you couldn't cancel, can't talk to someone you were
not going online though, right? I have looked online. All it shows
is the last four numbers of my way of my contract number. But here
here's what I'm asking. Do you have a century Link log in? No?
Did you ever ask? I'm not so computer literate. Maybe I do,
but that's why I've always paid my tone. Okay, that's now that
now I understand. Okay, well there's good news for you. There is
online access, okay, and what you need to do is get to it.
Okay. I hate to sound so blunt, but you need to get
to your account. No. No, and it's not going to be that
hard. You have a computer, right, sure, yeah, So if
you go to the website, do you have your account number? Do you
have your Do you have any any information on your old account? No?
That's just it, because they why why don't you have any information on your
old account? Not an old email, nothing, you have nothing on your
old account? Nope? Why? Probably the length of time? I don't
know. Like I said, I just have always paid it online or by
phone. I should say, God almighty. I mean, I just I
just need them to stop charging. No. I know that, man,
I get it. I totally get it. And what I'm trying to tell
you is how to do it. But you're telling me I can't do it,
and then you're saying I never How do you even cancel if you call?
If they don't know your account number, you can't even cancel if you
call. If you can't give them an account number, they don't know what
to cancel. Well, I know what you mean about the phone number.
That was really irrelevant. I used to have that, but I don't have
that anymore because they stop doing it. Okay, hold on a second,
just hold on. Go with a sure thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until you're content. Leave time for an
insurance check up free, no obligation comparison call Compass Insurance paying too much your
coverage at dozens of insurance companies find out Now three oh three seven seven to
one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Ripped of news needs so you don't have
runs as we can. Shooter's gonna help come. This is the troubleshooter show,
No Tom Martinez. Hey, I'm Tom Martino. Welcome to the show.
Three zero three seven one three talks seven one three eight two five five.
A word about Grossman Wellness Clinic. I am a patient and I was
a patient there and then I got him to advertise with me because I believe
in it. Okay, here's how it works. Basically, I take supplements
every day, right, just some supplements, and then I have some prescription
drugs and they're all included to the program. And then he alters the supplements
based on my blood work that I have every three months. There is absolutely
no guesswork. So if you're high on something, low on something, you
adjusted and nothing can happen. Almost nothing can happen in between those three month
physicals and blood work that can go bad. And then I can text at
any time if you want to be part of this program or even are curious.
Okay, it's so cheap to find out two and it's only a few
hundred bucks a month for whatever program. But here's what he'll do. You
give him a day. He says he'll give you a lifetime. But there's
no obligation. You can go get an exam, a blood work, and
a consultation for two hundred forty nine bucks. That alone is way cheap,
and if you never go back, it's worth having that to know what you
need. Three oh three two three three forty two forty seven two three three
forty two forty seven two hundred forty nine bucks Grossmanwellness dot com. And I
attribute that to seriously, how good I feel? All right? Mark has
an issue with central Links. So Mark, I went online as if I
was a new customer or new to online. And what you do is you
go to centralink dot com and you simply go sign in and then you hit
new to online, and then it takes you to set up my sentry link,
and it wants to know your account number. But if you hit the
little question mark after that, it says give me email me my account number
if you don't have it, so then you just email me my account number
link. You hit that link and then it will email you your account number,
and then you have your account number, and then you put in your
account number and your zip code and you have online access. Once online,
you can cancel your account. That's it, or you can extend or change
your plan or do anything you want. So I can't make it any easier
than that. You've got to go to CenturyLink dot com and just take your
time and do it. I can't help you other than that. I just
can't because that's the way the system is. Yeah, no, that's helpful,
that's great. But you must hit the one where you say new to
sentry Link online and then it'll walk you through getting your own account. Log
in. Now, if you already have one, they might say, you
know, you already have it account. Then you just hit forgot password.
But no matter what, you will get to it and and then you can
do anything you need to do online. You can even you can even do
the contact us and tell them that it was turned off two months ago and
you shouldn't be charged for the past two months, and maybe they'll refund you
that. Although technically I don't think you canceled three oho three seven one three
talk seven one three eight two five five. I'm gonna tell you he's not
the only one. It's hard to get lost in today's world customer service.
There is no I mean, I don't know how many people maintain true phone
support anymore. It's getting to be impossible. So anyway, we were talking
about and we continue talking about leasing versus buying, and I don't want to
give people the wrong impression. If you want to look at all forms of
car ownership, the very best form of car ownership would be not to have
a loan and to pay for a car and keep it and keep it at
least twice as long as the loan. Okay, that's really so. If
you had a five year loan, keep it ten years, a four year
loan, keep it eight years, three year loan, keep it six years.
If you could, then you truly get value for your money. But
if you finance a car and don't keep it for the life of the loan,
you're almost always dealing with negative equity almost always. If you lease a
car and don't keep it the life of the lease, you're almost always dealing
with negative equity if you had to can pay leasing with buying. Buying is
better if you keep the car and keeping the cars the best value and then
getting rid of it, but no one does that. If you want to
change cars more frequently, if you like cars, then leasing is an excellent
way to go if you so long as you don't overpay for a lease.
I once mentioned that there's more ways to get screwed in a lease, and
I'll tell you why. But here's the benefit of leasing. If you go
and you are looking at an apple pie, and you don't want that whole
apple pie because you can only eat half of it, and it's going to
take you a few years to eat half of it, why should you pay
for the whole pie. With a lease, you're only paying for the part
of the pie that you're eating. With a lease, you're only paying for
the part of the car that you're using. With the idea that at the
end of the lease, you give back the unused portion of the car.
That's called the residual value. If you don't overpay for that apple pie,
it's a great system. Here's why you buy that that the leasing company buys
that car and then cuts off a slice, and you say, I want
a slice of ten thousand miles a year, or I want a slice of
twelve thousand miles a year or fifteen thousand a year. Then you promise to
give it back at the end of four years, let's say, with forty
eight thousand miles on it, and they promise that it's going to be worth
a certain amount, and you walk away. In some leases, if it's
worth more than the addiction, you get to sell it and keep the extra
money. In some leases, you can't do that. It's it's uh.
They already they guarantee to take it and you guarantee to let them. But
in some cases you have the choice either turn it back or sell it.
When you have the choice, Rodney, what's that called open end or closed
in? It's a closed in lease. So when you have the choice,
it's closed when it's open what does that mean? That means what that you
have to turn it in. You have to turn it in, and you
can't purchase it, okay, to go through the dealership okay. And the
other thing I want to add to what you're saying is another benefit is if
by chance that car gets hailed done in the three years of the lease that
you have and it's not exactly right, or if you had an accident,
right, you can still you guarantee that amount of money that was in your
contract on the lease when you turn it in, So you can wait,
wait, wait a minute, that residual does that residual They can't say,
well, you had hal is worth less. No, that's the part of
your contract they can't hold that against you. They hold they can only hold
against you excessive miles and abuse, right, okay, And hail is not
considered abuse for that kind of thing. No, nor is an accident.
Okay though no obviously. Yeah. So now here's the other thing. So
when you use the part of your car you're using, when you use it,
then you give it back, then you get another car. So that's
the whole idea is to get is to pay for the amount of car you're
using. That's what a lease is. So if a car is worth one
hundred grand, but it's going to be worth fifty thousand at the end of
your lease, you're in essence financing fifty thousand dollars, right, okay,
whereas if you bought it, you're financing one one hundred thousand dollars. With
a lease, the only way you can be upside down is by going over
the mileage or abusing the car. Then you may have to kick in money
at the end. Normally you don't kick in money. You can simply pick
up another lease on another car. And this is where Rodney says, if
you bought it and kept it, you won't have the continuing payment and I
understand that part. But if you want newer cars all the time, you
don't mind having that continuing payment as long as you don't have a big chunk
of cash out at any one time. So leasing is that option, now,
Rodney, Here's what I want to know. I've never done an analysis,
but if I did a lease every what is the best frequency? Two
years, three years, four years, five years. I think five years
is useless because I don't know, you're just extending it for no reason.
What is the best What is the best term for a lease? Three to
four years? Four years? I say two to three? Really, why
is that just because you're in and out? You don't you can if you're
that type that okay, three years would be good. Yeah, three three
years you're and you'd be financing very little depreciation. Well, no, most
appreciation is in the first three years. Right. But but the hook is
most of the leases that are out there are based on three years. Okay,
So if you did a three year lease, what I'd like to know
is, what do you think are the chances of keeping You can't keep a
level payment. If you want to get into another car, It's going to
always be more, isn't it, you're always your payments always going to go
up a little every three years. Right, there's no way you're going to
be able to keep a level payment. I think it's I think the only
variable that will change that is inflation, or or you can say so in
other words, as the price of cars go up, your payment's gonna go
out. Right. So so for a little more money a month, you
get to pick up a new car every three years, or you and then
again we've talked about this, or you can do a used car lease,
and then you're yeah, I don't know about it. I mean, I
just don't see the benefit. I still can't mentally get my head around a
used car lease. I mean you can. I don't know why, because
if you're financing the depreciation and you have a car that's two years old,
most of the depreciation already took place. So what are you financing. Let's
give you a good example. I was just talking to my partners here the
least that we were just talking about. I'm showing them cars that the that
the Tesla's has dropped down about fifty percent. Now what if you bought that
on the lease on a used car lease that has just dropped down fifty percent
and fifty percent? And how long? How old thousand? These are?
Two thousand and threes? Twenty three? Twenty three has gone down almost fifty
percent? Are you crapping me? So from twelve? Wait a minute,
you mean if you bought a Tesla last year, it's worth half almost half?
Right now? You put that on a lease, your payment would be
pretty low. Oh my goodness, I mean they'll do that for three years.
You've just you've just you basically put down thirty dollars, thirty thousand dollars
to put down on a lease to bring down your payments. You don't have
to do that by waiting, by just getting it. How many miles on
those cars? I used the variable of anything under ten thousand miles? So
this one has thirty four thousand? Tesla's depreciate that much? Sorry they are
so Mark's models that he bought is worth about half for sure? Yeah?
Are you kidding me? And a hints? Why a lot of But can
you imagine the bank financing all of these cars and and they ballied up?
The bank is upside down now on cars that they don't they didn't well are
the banks? Sorry? They are are they pulling back from uhtt Teslas.
They are well Tesla as it's on finance company too, right, you know,
I don't know. I can't speak to that. I'm sure they do
though, why wouldn't you? That's a lot of money anyway, We got
more coming right up. Go with a sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance checkup free, no obligation. In comparison, call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three oh three seven
to seven to one. Help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino,
you are a troubleshooter three ozho three seven to one three talk three oh three
seven one three eight two five to five. Hey Mark, what's happening?
Bro? What's going on? Oh? My goodness, man, it is
so nice out here. Susanna and I might just move out here, man,
So hey, listen, bro, if you do that just make a
bedroom for me. I don't take a lot of room. Hey, listen,
Mark, we were talking real quick about the Model S. Do you
know that Rodney's finding Model s's with like eighteen hundred miles on him nineteen or
a couple thousand miles on him a year old? That are fifty percent of
retail I know. Don't even thanks Rodney, that's all. Oh no,
why apparently, Mark? What happened to him? Though? Seriously? What
happened? They're so beautiful? When happened lower in the price. He kept
lowering the price. That's what happened to him, just like he did the
Model three. They were getting prem o money for him when you start selling
a brand new one. I bought mine for one hundred and ten a year.
Within a year, it was seventy. So I mean, that's what
happened to him. You mean, no one was seventy no one? But
hold on, ask me if I do it again, I would have waited
to buy it, but I still would have bought it. You know what's
coming out in twenty twenty five? What roadster guess how fast it is?
How one sixty miles an hour in less than one second? No way,
that's impossible. One. One, well call it impossible. They're doing it.
One how much is it going to cost? While they still haven't released
that, I'm pretty sure I got a down payment that I'll probably wave on
it. You know how Tesla is the down payment's cheap. Oh, actually,
I take that back. It's cheap on everything but the roadster. I
do not have a down payment on the roadster. No, you have a
slot though, didn't you put a slot for one hundred bucks? Or because
they wanted when I bought my Model Less to have this roadster, you had
the pop down and non refundable fifty thousand bucks And the problem, the big
problem with that is you had no idea how much the car was going to
cost, So you could have been putting fifty grand down and they squeeze you
for a half a million. You don't know, I have that one hundred
dollars one on that cyber truck. But it's an it's a refundable, and
it's you know, it's refundable, totally. I got I got this.
No, no, no, it's not refundable. You'll give up, you'll
give up to two hundred and fifty. I'm taking no it's one hundred dollars.
It was one hundred dollars on the cyber truck, for sure. I
got here's what I want to know. Are you sold on? Are you're
sold on? You love Tesla? You love it? Oh? Shoot,
we got disconnected. We'll get it back anyway. Yep. So he apparently
knew about fifty percent value on a Tesla. That's got to piss people off
out it. That's got to piss people off if you spend that much money,
that's gotta bother you, man, because the listen, I'm not saying
that cars keep their value, but if we did talk about cars that kept
value, guys, what would it be, Rodney, What are the ones
that really toyotas right, toyotas, hondas. I you know, it's say
Asian ones that are the ones that are really hot. Any luxury cars keep
their models, keep their value at all, Any luxury ones at all?
Luxury you know, and like, do Beamers or Mercedes heap value? No?
No, I think your Lexus is going to keep value again, we're
going back to the Asian model. I mean, so German of Germans have
lost a lot of quality, haven't they. I think they you know,
they're starting out so high and they just drop so hard, you know,
and you start out one hundred thousand, it's you can only go one way
and go down that way and go down fast at one hundred thousand dollars a
pop. But you know, you see that with the you know, your
land Cruisers that are eighty ninety, you're getting Oh, well, come on,
anybody, okay, you know it's funny. There's a YouTube I told
you about this where they interview old mechanics young mechanics and they ask them for
the best values, worst values, and the best car to work on,
the worst car, the one they get the most problems with, you know,
all of it. You know what, the worst car every time?
Land Rover, Land Rover, Land Rover, Land Rover. It's almost a
joke that the land Rover sucks. Yet you see so many people driving them.
They're good. Okay, that's because the sport is so good looking?
Is it'd do? You got to have more than looks, though, you
do. It's the highest it's one of the highest maintenance cars. It is
not just maintenance, but the way it looks. It looks like like a
piece of crap. It looks like a piece of crap. I think,
no, No, I mean it drives. I mean it hand the driving.
I don't even know how it drives. I never drove it. I'm
talking about it lasts like a piece of crap. It's it's terrible. I
should never say that. No, it's one of the most beautiful cars.
But that's that was the thing with Jaguar. Jaguar was so beautiful. That's
what made it. I mean, it's the worst car you could ever buy.
But weren't they I don't know how they look now they're not that great,
but god, were they the most beautiful cars? Did you think Jaguars
were beautiful? You know? And okay, so what about who owns the
Rolls Rice right now? Who owns that right now? I think that's owned
by Rose Rice. But those are beautiful cars. Of course they're impractical,
but they're beautiful. But are they dependable? And I mean, now,
who cares? Right? I mean people that buy those don't care. But
I'm curious about it. Are they dependable? Are they? I wouldn't know,
Yeah, I had no idea. Yeah, I'm just wondering if like
there are these big ultra luxury Bentley's and Uh, well, Bentley's not as
much as Rolls, but Rolls or any of those may boch are they going
to come out with electric cars? I think they all are starting to.
I think the whole world is moving to that level, to the electric or
some type of hybrid in order to compete with the miles for gallon and uh
and the uh yeah. It just basically the where we are right now.
The whole world is moving away from the uh see. That's gonna be one
hell of a problem when that, when people are all electric and we are
having brownouts. Go with a sure thing Denver's Best roof of Excel roofing dot
com. You don't pay a cent until you're content. Time for an insurance
check up free no obligation comparison call Compass Insurance paying too much your coverage at
dozens of insurance companies find out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank durand the Real Estate
Man dot com to list your home with Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martine here three L three seven one three
talk seven one three eight two five five. Quite quite an action filled day.
Okay, So gas prices, guys, they're going out the roof again.
Did you know that? I thought they were going down a little bit
now now they're going up. Grass prices hit four month high. What are
you talking about, Tim, that's at the end of February, four month
high. Okay, that we're close to the shop. It actually went down
a little bit this week. Okay, Well they're they're like three h three
point thirty a gallon, that's what they were paying. Now it's up,
and prices for in Hawaii are near five bucks. That's always heavier. But
really the prices, I mean, people now think three three dollars is cheap,
right, so they're saying about three fifty we'll be right where it settles
down for the summer. Is that a lot. It's a lot higher than
it is now. Yeah, because I think we're paying right around the box
from US two fifty five. Oh no, no, that low. Yeah,
I don't know something. We're not around here anyway. Three all three
seven one three talk seven one three eight two five five. Also we were
talking about insurance. Car insurance is also going up an average of thirty percent
now that's incredible. And it's not just because of hailstorms and all of that.
We're also having problems with liability because of lawsuits and all of that.
And the cost of insuring a car is going up. So when you take
the cost of insurance all the way around, health insurance, home insurance,
car insurance, just to our pocketbooks, you could end up spending just on
those three things. You know, homeowners policies not just condos and town homes.
I was talking about homeowner's policies are going up forty percent, some of
them forty percent. Well, yeah, that's the property tax now, okay,
yeah, okay, Now we're just talking about that's right. That's another
thing. Property taxes. Oh my god, I mean think about that.
People are having a tough time staying afloat. Denver, by the way,
is also one of the one's hardest hit with property taxes because or Colorado,
I should say especially Denver, but Colorado because of the Gallagher Amendment, we
were screwed out of doing away with and then it put all of the tax
burden, or not all of it, but it spread the tax burden out
equally with residences. It used to be a little more skewed toward businesses.
Now residents, as they say, picked up their fair share. And you
are in for a major shock with your property insurance if you haven't already found
that out. So with property insurance, the cost of home ownership, think
about it, With property taxes, insurance and all of that, you are
looking at at least if you had to say the cost of home ownership thirty
interest rates, think about that. The cost of home ownership is almost unattainable.
Stephanie, what's going on with you? Yes, I have a fifteen
Ford Explorer and the on the computer control to go from you know, defrost
to the floor. It's only stayed in the middle. It's not switching.
Could that just be a fuse or is it something? Now? Wait a
minute that wait, So when you put it to come out the middle,
are you telling when you say the middle, do you mean floor, middle
and defrost? Correct? Okay? And it's only coming out it's not coming
out of the middle towards your body. It's coming out towards the middle.
But it won't go to the floor and it won't switch. Okay, okay,
that's what they called. Does the display change and the airflow doesn't change
or the display doesn't change. The display will change, but the flow doesn't
change. Right. It's a blend door, right, yeah, blender mode
door ex ray. Yeah, so that's that's a door that diverse air at
the verts air. The mode is the depfrost, floor and top. So
this little electric motor actually moves a door to a different position to direct the
air. So typically that little motor wears out. Now, okay, the
good news is, well, the good news is it's pretty common. What
year is youre just fifteen? That's about the time, And it depends on
which one. Some are very easy to get. Some of you have to
pull half the dash off to get to them. Is that just time?
And is that a flat rated thing or not? No, it's an hourly
thing. The motor a hundred bucks or less than labors anywhere from a hundred
to six hundred. It depends on which one. Are you kidding me?
It could be as much in a Ford Explorer. You have any idea how
hard that is to get to I don't remember. You know, there's like
four or five different actuators in there, Stephanie. The best thing is to
get is But anyway, the motor is not that expensive, But the labor
can be anywhere from one hundred to six hundred, with the motor being one
hundred. So the most you're looking at is seven hundred, is it?
So? Does it matter? Like I have a limited? Does that matter?
No? Nope? Oh okay limited the twin model. The trim is
alimited. Okay, So that's uh okay, Well we have more right after
this. Get your calls in three oh three seven to one three talk.
Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't
pay a cent until you're content. Time for an insurance checkup free, no
obligation comparison call Compass Insurance. Pay too much your coverage at dozens of insurance
companies find out now three oh three seven seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two. Tom Martinez here, three oh three seven to one three. Talk.
Matt's got a comment on electric cars? Go ahead, Matt, what
is your comment? Sir? Oh, those electric cars pretty much. I
think they're a joke because they're going to mess with your vacations. You know,
your one day trip's going to take three. You know we were just
talking about that. You're talking about the time it takes to charge. Yeah,
time to takes the charge. And you know, if you're hauling anything
your you know, your battery life isn't going to be there. I'll tell
you what, as with everything. As with everything, they're jumping the gun.
I totally agree with you. We're not ready for it yet. But
will we be ready for it? Like when California says you can't even enter
the state without an electric vehicle? What's that? In twenty thirty five,
you can't even enter the state without an electric vehicle? That's gonnaze everything.
Crap show, Bill, What is your comment on leasing? Okay, let
me confess first, because when I was talking when I was talking to you
the other day, with make in my four oh one, and I said
seventy five and I got five hundred thousand. Now, yeah, well I
started with one seventy five. I've had it off. Okay, that could
be that could be almost tripled. Hey, But anyway, you know I've
been leasing for probably thirty years and I like it. I never got say
seventy years about thirty and I never have to pay to fix a car when
I when I I you know, in the middle there, I bought two
cars and I made a mistake because I don't like cars. I drive trucks,
and I took a loss on them, you know, so I can't
complain. I wonder, why did you say you took a loss on the
trucks? On the car Volksley and Jeter and a Dodge Magnum when it first
came out, and I just didn't like driving a car, so I traded
him and before I get it. Yeah, you know what isn't is the
F one fifty still number one selling vehicle in the world truck. So I
thought it was okay, it's it. It's the number one selling truck.
What's the number one selling vehicle? Do you think in general? With everything?
Anyway? So Camry, I'm not sure. I'm wondering because when you
consider, like what do they drive in China and India? Wouldn't that trump
what we have here? Maybe because of the population. I don't know.
I'll ask, I'll ask chat GPT. But anyway, ripoffs by age,
who do you think gets ripped off more online the elderly. No young people
eighteen eighteen to thirty, but eighteen to fifty nine, sixty and older less.
But why would you say older Because they don't understand what they're doing.
Yeah, just behind on technology. Yeah, but they're not on as much,
so that's probably why the others get ripped off. By the way,
thanks guys for being here. Kevincoll can share to auto tech dot com,
Rodgreer, which is Jeffarcars dot com. Make sure he has for Rod Jeff
vic Transmissions Denver dot com. And that's it. And uh, we had
Frankenstein pizza today that tried to mimic a cheeseburger. It just doesn't work.
Don't do it. Save all your problems for me.