WEBVTT

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Ye'll ripped up news and need advice, so you don't help you come a

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run in just as fast as we
can. Shooter's gonna help come. Ma

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

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Welcome to the show. Three zero
three seven one three talk three oh three

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seven one three eight two five five. Here to help you solve problems,

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to answer questions, to take complaints, to make your life just a little

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easier. What we need to do
is simply help you. And all you

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have to do is call today.
I have Brendan Killing with me. We'll

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talk to in a little while on
UH made in the shade, on window

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coverings and the window coverings business.
And we always talk to different people about

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different businesses to see how they're doing
and what we can do to help you.

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So welcome to the show. One
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way lower than normal plumbing contractors.
Three oh three eight six two five,

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five, five four. Susie's turn
about a security deposit and we're going to

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talk to Susie. Susie, what
is happening with you? Hello, Susie,

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Hi Tom, thanks for taking my
call. What's going on? I'm

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helping my daughter draft a letter to
her landlord to challenge security depositure. When

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when did she move out? She
moved out? Well, it was the

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end of December, but it was
up in January. At the end of

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January December, but her lease was
until January. Well, what is that?

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She moved out? But when did
she pay through? She paid through

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to January to January? What thirty
first? Well, in other words,

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did she leave a month early or
did she pay every dime? I need

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to know that. Did she paid
every dime? And then? Yes,

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she paid it, but she left
early? Well, she got moved for

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her job. Okay, but technically, technically she was still rent. This

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is important. There's a reason I'm
asking. Technically the lease was up at

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the end of January, it was
mid January, Okay, mid Okay,

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Let's say the lease was up mid
fi January. She paid through mid January,

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Yes she did. Okay, Then
it's from that point forward that you

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count the time the landlord has to
get back to you with an explanation and

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a refund. So how when did
the land We'll give her an explanation in

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a refund, but she wants to
dispute. I understand when did the landlord

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though? When did the landlord give
the explanation? And the uh we got

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the letters dated January eleventh? Okay, so they did everything correctly. In

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fact, wait a minute, every
kind of did it. They kind of

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did it early. Okay, So
good landlord. I'm not going to say

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she was was And so what is
she disputing specifically? Okay? So she

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actually has videos and pictures time stamps
when she moved in. He's charging her

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for four sets of blinds because the
cords were beyond repair. But in the

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pictures and video you can see the
girl had a cat, so there was

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a little like cat bite and they
were tied up, so she assumed she

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tied them up for the cat.
But she actually has video that she took

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for her friends that you can see
that in the picture. So when she

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moved out though she didn't have Did
she have a walk so? Did she

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have a walk through when she moved
in? No, she didn't have.

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I mean he showed her the apartment. No, she didn't do a walk

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through and a walkout. Well,
it was a difference from the mini blind

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though, so when she moved in
apparently there was some cat bites when she

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moved out. What No, the
cords were all tied up like high and

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nodded so that they wouldn't hang.
Who tied them up? She think Susie

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who tied them higher? Tenant?
They were like that when she moved in

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the prior she left. Did she
leave them that way? Yes? And

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now what Now they're saying that because
they were tied up like that, they

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need to be replaced. Yes,
he's replacing four of them. And what

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is the reason for replacing those?
He says due to chords nodded beyond repair.

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Okay, so first of all,
we just happened to have Brendan Killian

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with made in the shade. I
can see where if you nodded them up

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enough there'd be a pain in.
They asked to get out. Well,

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has she shown the landlord that actual
video and what does he say? Yeah,

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I mean, does he acknowledge they
were like that when she moved in

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the problem is what I'm worried about. She didn't acknowledge it to him.

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But she has a video thorough She
has a video and she has pictures.

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Yeah. Does the video do the
video on pictures identify when they were taken?

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Yes? Okay, but the landlord
is still insisting. And how much

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of the bill is for that four
hundred and forty dollars and fourteen cents for

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how many? For how many shades? Four blinds? And the interesting party?

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She said that about right, Brendan, Yeah, that's actually a pretty

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good deal. That's I guess you
had to do it. Yeah, the

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whole time she lived there, she
never used these blinds. They were over

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he was just tied up. The
windows either wide open, they said they

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were. She didn't use them much, but this isn't Connecticut. She didn't

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use them much, but she said
they worked, so she didn't. She's

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young young, Well, it changes
that for sure, but the laws are

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pretty much uniform. I want to
know something, Susie. There's a few

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things that you mentioned cat bites.
What do you mean she said there was

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like little cats cat scratch and it
looked like bites where they saw her cat.

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She was assuming they were from her
cat. And where were these scratches?

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She said, I'm a little like
knobs that are on like where you

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pull the cord up. That's why
they looked like a little wood knobs.

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Playing with them. Well, yeah, but hold on, they were tied

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up by a previous tenant. How
would they what mark they were? But

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he said the cords are beyond repair. She was saying, you could see

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how you could not untie them,
Susie, they were so her husband moved

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her in and he saw them when
he moved in. Maybe he changed him

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out because of the kitty scratches and
bites on the cords. I don't know.

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Did he specify moves you? You
just okay, Susie, your daughter

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has a cat? No, my
daughter doesn't have a cat. It was

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the prior tenant. They got it, okay, And he told her she

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had a cat, and she got
a letter saying, sorry, your cat

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died from to the prior tenant.
Get it. So she's disputing it because

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they were my husband saw them when
he helped her move. Yeah, I

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agree, but that's four hundred dollars
she's got how much? How much else

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is she disputing? What else is
she So she's acknowledging the chip town atop

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or taper fell. I don't want
to know what she's acknowledging. What is

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she okay? What is she disputing? The only she the range lower drawer

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to the stove is he's due to
rust and pitying beyond repair. But when

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she she was raised on the ocean
in Connecticut. When she moved in,

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the refrigerator broke and he replaced it, but it was rusted, and he

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said that happens with the salt water. So she's like, I never used

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the drawer. Well I can't.
He can't blame her for rusting. That's

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normal wear and tear. Exactly how
did she rust the appliance? She didn't.

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She's a professional, I mean she
wasn't. Okay, So he's blaming

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her because something in the apartment was
rusted. There's no way, man's no

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way. And how much of it
is for rusting. That's only one hundred

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and twenty dollars before it. That's
a lot of money for rusting. How

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is he proposing that or how is
he suggesting that she made something rust He

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didn't. He just he bullet points. Okay, what else point? I

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think she has no points? Yeah, the last one, I just feel

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I'm not sure if it's successful or
not. So she's unsure whether it include

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this. She had little Valko things
you put up on the windows, and

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they're a little small ones in that
their heart. They're easy to get down.

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So for like dark shades, it's
just like a lot of light.

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And so he's charging her fifty dollars
to remove the adhesive residue from two bedroom

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windows. How many windows? He
says? Two? In here. I

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wouldn't dispute that. Here's what I
would do. Yeah, I would,

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she was I would Okay, I
would definitely go for the five hundred and

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twenty bucks. That's bull crap.
Well that's how we feel because he knows

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she moved to Texas and she's not
there, so we're just kind of yeah.

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But unfortunately, to do something about
it, you either get an attorney

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or you're going to have to be
there for small claim scores. No,

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they give her a free trip for
her work to go back to wrap up

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listen, so she can schedule that. But I just wanted to know when,

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so you don't think you should ask
for receipts. And she wants to

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send him a letter, well,
then technically he doesn't have to give her

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receipts. But okay, also,
let me explain something. The four hundred

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is not excessive for restringing four blinds
according to our expert here and made in

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the shape. Oh, I understand
that. But she did he replace?

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Hold on? Hold on, hold
on? Did he replace the blinds or

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restring them? What did he do, Susie? He said he replaced.

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Replace. Then that's a good price. Man, It's probably cheaper to replace

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them. It is. I mean, what I'm saying is is he's not

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exaggerating. I don't care about receipts. That it doesn't matter. Actually,

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if he got a price on new
blinds and didn't replace them, you still

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owe it. So if you destroyed
them, so it doesn't matter that it's

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a loss. It's not. People
think, well, you prove that you

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did that. You don't have to
prove anything. All you have to do

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is show that the blinds were irreparable
in the same way when she moved in.

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I still don't understand how she used
the blinds. How did she use

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them when they were tied up,
because she had them kind of like all

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tied in the middle, so you
could pull them up and down, but

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they were all nodded in the middle. I mean, if she didn't have

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video, I think she would be
in trouble. She made him shorter.

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She made him shorter so the cat
would mess with him. But you we

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had before. I know. Well, if you think about, if you

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think about an argument in front of
the JUDGEO, all he's got to say

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is they weren't tied up when you
took this video. Your friends were there,

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you already moved in, you tied
them up. It's just going to

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be a matter of credibility. But
it's worth going to small claims court for

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five hundred and twenty bucks. Yeah, I think so. And she's got

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a free trip there, so it's
no good. And that's what she has

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to do. She has to go
online. What county is it? You

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know it's in mil for I can't
remember what county, Okay, So she

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goes online, she fills out the
form, and some jurisdictions will allow first

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class mail or registered mail, but
most of the time you have to have

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him served. You can hire somebody
to do that and then show up.

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I mean, you show up with
the proof and just hope that John here's

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probably going to be mediation demanded first. So that's one trip. And they're

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telephonically mark they they since COVID,
they do a lot of this telephonically,

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so they might allow you to do
a conference for settlement by phone. Yeah,

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I'm going to call the county clerk
and see if they could tell me

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that. Okay, So, okay, that's what I needed to know.

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So start there and please let us
know what goes on, because this sounds

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much like everything that happens with landlords. They take their best shot and then

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they let the they let the tenant
fight it out. Three oh three seven

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Alliance three all three nine two zero sixteen

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twenty two. Hi Tom Martine here
three all three seven one three talks seven

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one three eight two five fight.
Hey, what did we do for that

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woman who put three thousand dollars down
on cabinet doors for a company out in

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North Carolina, Cabinet Door World?
Did we assign that to somebody? Because

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I saw this dangling call that and
we had some other complaints about the same

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company. Can you check and see, Kachina what we did of that?

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And peep? Meanwhile, people be
aware of cabinet World. Okay, the

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cabinet door World. I'm sorry.
Cabinet door World seems to be a big

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problem. Connie. What's going on
with you? Connie? See, we're

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always trying to stave off these ripoffs
before you get hooked? Connie? What's

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going on with you? You called? Did you call yesterday? I'm having

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a problem with the Horizon. Uh. Several months ago, I decided I

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was going to switch to the Horizon, so I went into their store on

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what's with any bowl or yeah?
Boths? I talked very grueful, where

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were you you were going to switch
to? Where? Connie? From Verizon

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to what? No? I was
going to switch to Z? Okay?

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Got it? Okay? And what? Well? I hope this isn't confusing.

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So what happened is he looked at
my phone and he I was going

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to upgrade to the Samsung twenty three
whatever, but he looked at my phone.

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He said he really liked the phone
I had and talked to me a

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little bit and I told him,
well, I want to switch sue Verizon.

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But he was in a hurry and
so was I. So he told

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me to call at and D get
a transfer PIM and call him back.

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And in the meantime he gave me
a little card with a SIM card on

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it. But I decided I wasn't
going to switch, so I called him

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back. It sounds like it's it's
It sounds to me like you did switch.

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It sounds to me like you opened
an account if you got a SIM

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card. No, I didn't,
Okay, he opened the account. I

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00:15:56.720 --> 00:16:00.039
found that out later. Wait a
minute, hold on, he opened the

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00:16:00.120 --> 00:16:07.679
account without any signature or authorization from
you. That's right, So you didn't

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00:16:07.759 --> 00:16:15.320
sign anything on a little touchpad.
Nope. Okay. So anyway, I

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00:16:15.360 --> 00:16:22.440
started getting bills from Horizon about two
weeks later. Okay, So okay,

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00:16:22.519 --> 00:16:25.039
let's just get right to it.
You asked if this was too confusing.

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00:16:25.080 --> 00:16:29.960
It's not. You went into a
Verizon store to inquire about this, and

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00:16:30.039 --> 00:16:33.399
they started an account without your knowledge, without your signature, without your authorization.

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00:16:33.879 --> 00:16:37.679
So tell them that, tell them
you never opened the account. I

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00:16:37.720 --> 00:16:41.320
would. I wouldn't even tell him
I visited the store. I would simply

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00:16:41.399 --> 00:16:44.759
tell them I never opened the account. Then how do they know to bill

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00:16:44.879 --> 00:16:47.639
her? Wait? How that's what
I want to know know to bill her?

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00:16:47.720 --> 00:16:52.679
How were you being billed? Just
a regular invoice like at your address?

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00:16:53.080 --> 00:16:57.360
At your address, that's okay,
But they didn't take payment just build

220
00:16:57.440 --> 00:17:02.679
you. No, they just filled
me. And I called them several times

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00:17:02.679 --> 00:17:08.759
that I kept getting bills. They
acknowledged that this is the young man who's

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00:17:08.839 --> 00:17:14.599
created an account. But what they're
trying to get me for is the SIM

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card, and I blew it away. I never used it. They acknowledged

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00:17:18.440 --> 00:17:21.160
I would. Okay, So how
are they trying to get you? You

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00:17:21.160 --> 00:17:23.759
say they're trying to get you?
Yeah, they call they sent me to

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00:17:23.839 --> 00:17:27.880
a collection agency, all right,
and tell them it's I would ignore it

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00:17:27.960 --> 00:17:32.000
until they take you to court,
and I'd say I never First of all,

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00:17:32.200 --> 00:17:36.240
how they even prove you got a
SIM card? I don't know.

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00:17:36.720 --> 00:17:38.599
Okay, you never did it,
You never opened the account. You don't

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00:17:38.599 --> 00:17:42.079
recall a SIM card. You don't
know what they're talking about. You never

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00:17:42.240 --> 00:17:47.160
used it. Tell them me,
I don't see how a judgment you're gonna

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00:17:47.160 --> 00:17:49.039
owe the money. Connie. For
the life of me, I don't understand

233
00:17:49.079 --> 00:17:52.440
this part. County. You walked
in there, you didn't open anything up,

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00:17:52.440 --> 00:17:56.880
but you gave them your address,
your telephone number. You gave them

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00:17:56.880 --> 00:18:00.440
all the information to bill you.
You took a SIM card card, but

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00:18:00.559 --> 00:18:07.680
you never opened up an account,
and Verizon acknowledges that. Okay, okay,

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00:18:07.839 --> 00:18:11.759
and you, Connie, how do
you know they acknowledge that because I've

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00:18:11.759 --> 00:18:15.240
talked to them on the phone.
I've talked to them several times trying to

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00:18:15.279 --> 00:18:19.279
get this straightened out. So they
have stopped sending you a bill finally,

240
00:18:19.359 --> 00:18:25.079
Yeah, okay, if the SIM
card is not being used, that SIM

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00:18:25.119 --> 00:18:30.079
card costs them about a penny.
And that's right. I never they know

242
00:18:30.160 --> 00:18:32.759
that I haven't used it. They
checked how much are they charging you?

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00:18:32.799 --> 00:18:36.480
How much do they want to charge
you for the SIM card? Well,

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00:18:36.880 --> 00:18:44.680
they want to charge me sixty five
dollars. Okay, I would just ignore

245
00:18:44.720 --> 00:18:48.599
it. That's what I would do, even though it's with a collection agency.

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00:18:49.559 --> 00:18:52.720
Yeah, I mean, was that
going to go on my credit?

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00:18:52.839 --> 00:18:55.920
Is what I want to know.
Well, they can attempt to do it,

248
00:18:56.039 --> 00:18:59.000
but here's the deal. You can
dispute it and say you never opened

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00:18:59.039 --> 00:19:00.240
an account. You have no idea
deal what they're talking about. They'd have

250
00:19:00.279 --> 00:19:03.480
to prove it. It will most
likely go on your credit. Though I

251
00:19:03.519 --> 00:19:07.400
had T mobiles say I never sent
back some equipment no longer. What did

252
00:19:07.440 --> 00:19:12.680
you do about it? Mark?
I ended up suing them. Listen,

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00:19:12.759 --> 00:19:15.640
Connie, just small them out.
You know, I'm just wondering if no,

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00:19:15.839 --> 00:19:18.400
I wouldn't go and pay. If
it was me, you're asking me

255
00:19:18.440 --> 00:19:22.200
what I would do. I would
ignore it. If they tried or attempted

256
00:19:22.240 --> 00:19:26.079
to ding my credit, I would
bring down holy hell on them. You

257
00:19:26.119 --> 00:19:29.640
call us back if that happens,
I feel like doing that. I think,

258
00:19:29.759 --> 00:19:32.519
I think that that's exactly what I
want to do. How much is

259
00:19:32.559 --> 00:19:36.599
it? What is the total?
Oh it's only sixty five? Yeah,

260
00:19:36.880 --> 00:19:41.960
I mean it with the interest,
it's seventy seven and sixty nine. Just

261
00:19:41.079 --> 00:19:45.240
hope there's no record of you open
an account. But you said they already

262
00:19:45.279 --> 00:19:51.480
acknowledged that. They have acknowledged.
They even said that he created the account

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00:19:51.640 --> 00:19:56.799
because he thought I was going to
be coming back in on Monday. Yeah,

264
00:19:56.839 --> 00:20:02.960
he wanted to get his commission.
I think, so okay, all

265
00:20:03.079 --> 00:20:10.440
right, okay, so I would
say, ignore it, call us back.

266
00:20:10.519 --> 00:20:14.759
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call Compass insurance paying too much your coverage

273
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at dozens of insurance companies. Find
out now three oh three seven seven to

274
00:20:52.480 --> 00:20:56.240
one help. You'll think you're his
only customer when you choose Frank durand the

275
00:20:56.279 --> 00:21:00.839
real estate man dot com to list
your home with Remax Alliance three oh three

276
00:21:00.920 --> 00:21:12.279
nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three oh

277
00:21:12.319 --> 00:21:17.920
three seven one three talk three oh
three seven one three eight two five five.

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00:21:18.599 --> 00:21:22.039
Now I want to go back to
Jan from yesterday. She put down,

279
00:21:22.440 --> 00:21:26.200
Uh, we didn't get to finish. She put down three grand at

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00:21:26.319 --> 00:21:33.480
cabinet door World, and this is
in North Carolina. Did you say,

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00:21:33.559 --> 00:21:42.480
Jan, Yes? And they have
never ever gotten back to you, never

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00:21:42.519 --> 00:21:53.519
got doors. Actually, my contractor
was in touch with them through their website

283
00:21:53.599 --> 00:22:00.880
chat and at that point they said
we couldn't find the order. Well,

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00:22:00.920 --> 00:22:06.720
this was in April of twenty twenty
three. When did he finally contact them?

285
00:22:06.880 --> 00:22:10.839
I'm not sure that date. It
was months after the order. How

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00:22:10.880 --> 00:22:15.599
did you pay? Told him,
I paid with my VISA credit card.

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00:22:15.920 --> 00:22:19.920
Have you ever called Visa to see
if you could just call it fraud?

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00:22:22.359 --> 00:22:29.599
Yes? Did they say it was
too late? Long? Okay? But

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00:22:30.119 --> 00:22:36.119
the company told my contractor that they
fired the person it was supposed to be

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00:22:36.160 --> 00:22:41.880
doing my order, and that they
would be expediting the order. And then

291
00:22:41.000 --> 00:22:47.680
after that there's no contact. They
won't answer the phone or reply to any

292
00:22:47.720 --> 00:22:57.680
emails. And do you know they're
still open or not? I assume that

293
00:22:57.759 --> 00:23:04.359
they are. Okay, I'm gonna
have I'm gonna I see it right here

294
00:23:04.400 --> 00:23:10.119
in Conover. They they look like
they're they're still in business. They do

295
00:23:10.160 --> 00:23:18.279
you realize with thirty two Google reviews
they have a one star that's they have

296
00:23:18.400 --> 00:23:25.599
one star. Yep. So I
wouldn't hold too much hope out. But

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00:23:26.519 --> 00:23:29.960
what we can do is, I'm
going to have Who's who do we have

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00:23:30.039 --> 00:23:36.079
on duty today? Let's get Deputy
Dollar. Hey Dollar, it's pretty easy.

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00:23:36.160 --> 00:23:41.799
She paid three grand. She has
the date Cabinet World, Cabinet Door

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00:23:41.839 --> 00:23:47.279
World. It looks like a little
tiny tin building in the middle of nowhere.

301
00:23:47.279 --> 00:23:52.519
What a piece of crap place this
is? Did you do any research

302
00:23:52.599 --> 00:23:56.039
before doing this? They have a
one star review. They have thirty two

303
00:23:56.119 --> 00:24:00.519
Google reviews, and do you know
they're all one star, every one of

304
00:24:00.559 --> 00:24:06.920
them, every single review. Wait
a minute, hold on, I'm looking

305
00:24:06.960 --> 00:24:11.759
at all thirty two. So far
there's not one above a one star,

306
00:24:11.079 --> 00:24:17.279
not one. Okay, they have
a three star nice quality, but terrible

307
00:24:17.359 --> 00:24:22.920
customer service. Doors we're two weeks
late. That three star is the only

308
00:24:22.960 --> 00:24:27.960
one they have. Otherwise they are
all one star, all one star.

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00:24:29.400 --> 00:24:32.079
The worst customer service, the worst, the worst, the worst, the

310
00:24:32.079 --> 00:24:36.279
worst, the worst, the worst, the worst. Okay, would you

311
00:24:36.319 --> 00:24:38.119
call them dollar before the show's over, I'd like to hear what they have

312
00:24:38.200 --> 00:24:41.359
to say. Yeah, I'll give
them a call. Do you have an

313
00:24:41.400 --> 00:24:48.839
order number? Jan? Yes,
I do? Okay, you hold on.

314
00:24:48.839 --> 00:24:51.519
No, No, we don't want
it on the air right now.

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00:24:51.519 --> 00:24:53.440
It doesn't matter. So we're gonna
do this. We're gonna do this,

316
00:24:53.559 --> 00:25:00.000
Jan, all right, and terrible, just terrible. Real three seven one

317
00:25:00.079 --> 00:25:04.839
three talks seven one three eight two
five five Brandon, Real, quick question

318
00:25:04.960 --> 00:25:11.680
for you on their shades. They
want to replace their I think this is

319
00:25:11.720 --> 00:25:15.799
a stupid question, but there is
no stupid question. If you want to

320
00:25:15.839 --> 00:25:21.279
text us five seven seven three nine. They have regular shades. Can they

321
00:25:21.319 --> 00:25:25.640
convert them to cordless? Of course
they can, right, I mean that's

322
00:25:25.680 --> 00:25:30.240
a whole damn mechanism, right right, Yeah, you can't take corded and

323
00:25:30.359 --> 00:25:36.920
convert them to cordless. I mean
there's a spring in it everything. So

324
00:25:37.079 --> 00:25:40.680
really, when you say cordless,
they're just you grab them by the bottom

325
00:25:40.680 --> 00:25:42.680
and up and down. Correct.
But we're a real high windows. You

326
00:25:42.720 --> 00:25:45.519
can't really do that right because you
can't go up as high as you want

327
00:25:45.519 --> 00:25:48.519
to. Maybe put them up or
do you have little right rocks that yep,

328
00:25:48.599 --> 00:25:52.200
you can either get an extension pole
or you know, the easiest solution

329
00:25:52.359 --> 00:25:56.200
is to automate them with a remote
control. Okay, but yeah you could.

330
00:25:56.240 --> 00:26:00.599
You can get extension poles that you
can grab the handle and bring them

331
00:26:00.680 --> 00:26:03.799
up and down as well. Okay, so what else is being made cordless?

332
00:26:04.319 --> 00:26:08.960
Pretty much everything is going with bond
blinds too. Everything, Well,

333
00:26:10.000 --> 00:26:12.359
how would you open and close the
Okay, with blinds, you have two

334
00:26:12.400 --> 00:26:15.599
things. You retract the whole blind
or you can just take the fins and

335
00:26:15.680 --> 00:26:18.400
open and close them. Yeah,
so that is like a wand tilt.

336
00:26:19.039 --> 00:26:23.200
Okay, Okay, so it's a
wand for Okay, a wand for that.

337
00:26:23.240 --> 00:26:26.920
But if you want to open or
close them, you just take the

338
00:26:26.920 --> 00:26:30.519
bottom and do the same thing.
Correct, And you can actually go cordless

339
00:26:30.799 --> 00:26:34.920
on the lift system and then automate
the tilt system. You can remote can

340
00:26:36.079 --> 00:26:38.000
tell those, so you don't even
have a wind these. I mean,

341
00:26:40.200 --> 00:26:45.000
I've okay, in a house we
have that's older, we have all those

342
00:26:45.240 --> 00:26:48.480
wooded corded. They're not ugly,
they're pretty, but what a pain in

343
00:26:48.519 --> 00:26:52.720
the ass. The cords always come
out from the little knaches. Oh my

344
00:26:52.880 --> 00:26:57.920
god, they're terrible. Everything's going
cordless. Get them redone. It's the

345
00:26:57.920 --> 00:27:03.920
w Yeah, mark my god,
the number of windows. I shutter the

346
00:27:03.920 --> 00:27:06.599
thing. But I should have you
come over and then at least look at

347
00:27:06.680 --> 00:27:10.799
conversion. Is there any I mean, there's no value to those old pieces

348
00:27:10.799 --> 00:27:14.160
of crap because you got to have
the exact sizes and all that. Right.

349
00:27:14.599 --> 00:27:18.720
Oh, anyway, so that's that's
good to know though that you can't

350
00:27:18.759 --> 00:27:22.880
convert, and obviously you can't.
There would be more work involving converting than

351
00:27:22.960 --> 00:27:26.680
replacing the whole dang thing, right, Yeah. That We've had customers ask

352
00:27:26.799 --> 00:27:33.039
that if they can switch to motorized
from Corlis, and you can, but

353
00:27:33.559 --> 00:27:37.160
by the time you give buy the
motor and the labor involved, it's more

354
00:27:37.200 --> 00:27:38.759
expensive than to just buy a new
one. And here's another thing I want

355
00:27:38.799 --> 00:27:45.440
to ask. If you have these
do you have real wood still, yes,

356
00:27:45.240 --> 00:27:48.599
who would even see? That's another
thing. But the composite materials,

357
00:27:49.039 --> 00:27:52.519
why would you have that? Because
isn't there maintenance? Do you have to

358
00:27:52.559 --> 00:27:57.000
eventually finish them? They come finish. There's tons of differences, and they

359
00:27:57.039 --> 00:28:00.799
last a long time ago. You're
not walking on them, you know,

360
00:28:02.039 --> 00:28:06.400
right right, And they are lighter
than the composite ones. Must take the

361
00:28:06.559 --> 00:28:11.079
sun must take a toll on those
wooden uh varnish or whatever you constained shade.

362
00:28:11.160 --> 00:28:15.759
We definitely sell more composite in Colorado
with the amount of sunshine we get

363
00:28:15.799 --> 00:28:19.240
here. Yeah, but they they're
warrantied. If they fade, they'll replace

364
00:28:19.279 --> 00:28:22.640
them anyway. Three O three seven
one three eight two five five. That's

365
00:28:22.680 --> 00:28:30.119
made in the shade. We got
more coming up. Go with a sure

366
00:28:30.200 --> 00:28:34.720
thing Denver's Best roofer Excel roofing dot
com. You don't pay a cent until

367
00:28:34.759 --> 00:28:41.319
you're content. Time for an insurance
check up free, no obligation. In

368
00:28:41.359 --> 00:28:47.640
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies

369
00:28:47.720 --> 00:28:49.720
find out now three all three,
seven to seven to one help. You'll

370
00:28:49.759 --> 00:28:53.599
think you're his only customer when you
choose Frank durand the real estate man dot

371
00:28:53.599 --> 00:28:59.319
com to list your home with Remax
Alliance three oh three nine two zero sixteen

372
00:28:59.400 --> 00:29:08.720
twenty two. Hi, I'm Tom
Martino. You're a troubleshooter, Rochelle.

373
00:29:10.279 --> 00:29:14.440
What's going on with you? Rochelle? How can we help you? Uh?

374
00:29:14.519 --> 00:29:18.960
Yeah, I haven't bought a car. My car got stolen and totaled

375
00:29:19.000 --> 00:29:23.799
at Christmas time. So I found
a buick. I wanted to buy an

376
00:29:23.880 --> 00:29:32.920
Autoation. When did you go there
last night? Of Autoation super roof offa

377
00:29:32.960 --> 00:29:37.000
By twenty five and a Wrappa hole. Okay, this was last night,

378
00:29:37.079 --> 00:29:42.839
okay, And I've been talking to
the salesperson and he was super guy on

379
00:29:42.880 --> 00:29:48.799
the phone about the car, and
he said, well, come in and

380
00:29:48.960 --> 00:29:53.160
fill out the paperwork. So I
went in and Rochelle, you went last

381
00:29:53.240 --> 00:29:56.480
night and test drove it? You
did not take it off the premises?

382
00:29:56.519 --> 00:30:00.640
Did you like take it home afterwards? I mean as it's still there at

383
00:30:00.640 --> 00:30:04.680
the dealer? Yeah, still there, But I didn't get a test drive

384
00:30:04.720 --> 00:30:08.759
it. They wanted to make it
pay five hundred dollars to test drive a

385
00:30:08.839 --> 00:30:15.960
car? Now is that true?
Nowadays? You can't well listen question unless

386
00:30:15.039 --> 00:30:19.279
you paid money, Rachelle, if
you wanted to take the car out for

387
00:30:19.319 --> 00:30:23.319
a test drive on your own.
They may want security of some kind if

388
00:30:23.319 --> 00:30:26.960
they don't trust you. I don't
know the answer to that, but I

389
00:30:27.000 --> 00:30:30.240
think they were trying it. Sounds
like they were trying to trick you into

390
00:30:30.279 --> 00:30:34.559
some kind of a contract. You
did not do it right. No,

391
00:30:36.079 --> 00:30:38.200
No, And what car? What
car are you looking at? What car

392
00:30:38.240 --> 00:30:41.759
are you looking at? Oh?
Well, they had a buy three goal

393
00:30:44.240 --> 00:30:52.200
there for sale, and I'm known
to go into dealerships to look for cars.

394
00:30:52.200 --> 00:30:55.240
Okay. I want to ask you
a few things because you are prime

395
00:30:55.319 --> 00:30:57.359
to get ripped off. And I'm
not saying automation will rip you off.

396
00:30:57.400 --> 00:31:02.759
I'm just saying that you're rhymed to
get ripped off because you know nothing about

397
00:31:02.799 --> 00:31:04.720
buying cars. So here's what I
want. I want to give you some

398
00:31:04.920 --> 00:31:10.440
very easy tips. First and foremost, this Brewick Regal. How old was

399
00:31:10.480 --> 00:31:15.799
it or is it? It's the
twenty seventeen, okay, not terrible.

400
00:31:15.799 --> 00:31:21.680
How many miles on it? One
hundred and forty nine thousand? Okay,

401
00:31:21.720 --> 00:31:26.240
don't buy it? Okay? Do
you have a car now? No,

402
00:31:26.279 --> 00:31:29.920
listen, I want you to wait
a minute. That means she doesn't have

403
00:31:30.000 --> 00:31:33.519
insurance, so when she went to
test drive it, it probably was a

404
00:31:33.599 --> 00:31:36.640
down payment of some sort or no, I'm sorry, not a down payment

405
00:31:36.680 --> 00:31:41.359
of security. Okay, but I
carry full cavery ten payents and my car

406
00:31:41.440 --> 00:31:47.279
insurance through Geico on a car.
I don't even shall anymore. Rochelle,

407
00:31:47.720 --> 00:31:51.119
Right now, before you get into
trouble, please do me a favor.

408
00:31:51.960 --> 00:31:59.960
I want you to call Rodney at
JFR Cars and just tell them you're unsophisticated,

409
00:32:00.000 --> 00:32:04.920
you have some insurance money, you're
looking for a used car. He

410
00:32:05.079 --> 00:32:08.839
will not steer you wrong. I
do not want you just going onto a

411
00:32:08.920 --> 00:32:14.359
car lot. Listen, please don't
do it, okay. I am so

412
00:32:14.599 --> 00:32:17.599
happy you called before making a mistake. Were you calling? What were you

413
00:32:17.640 --> 00:32:22.960
calling to ask about if that test
drive five hundred dollars deposit was normal?

414
00:32:23.079 --> 00:32:28.440
And right? Because it's not normal. No, it's not normal, all

415
00:32:28.519 --> 00:32:35.680
right. So it's Rudney JFR,
John Crank, Robert Carr, It's it's

416
00:32:35.880 --> 00:32:39.839
JFR, which is yeah, okay, So if you want to, it's

417
00:32:39.960 --> 00:32:51.000
Juliet JFR. Juliet Foxtrot Romeo.
Okay, cars, now listen, get

418
00:32:51.000 --> 00:32:53.240
that number for her, Katchina,
please I don't have it right off the

419
00:32:53.240 --> 00:32:57.319
top of my tie. Absolutely,
we're going to give you the number.

420
00:32:57.440 --> 00:33:00.519
Okay, three oh three seven to
one, three h eight two five five

421
00:33:01.240 --> 00:33:06.079
oh. I love when people call
me ahead of time. It sounds like

422
00:33:06.160 --> 00:33:08.880
she was headed for trouble. Not
that now, believe me. It's not

423
00:33:08.920 --> 00:33:13.519
just autnation. I'm saying anywhere.
If you go and you're not prepared,

424
00:33:14.039 --> 00:33:17.799
especially if you have insurance, money
or something, you may not be making

425
00:33:19.200 --> 00:33:22.839
the best choices. And she even
said she had never been to a dealer

426
00:33:22.920 --> 00:33:30.720
before to buy a car, and
that really goes with everything when you are

427
00:33:30.200 --> 00:33:37.759
looking at buying something. Educate yourself
ahead of time. Absolutely positively educate yourself

428
00:33:37.759 --> 00:33:44.319
ahead of time. So many people
just go out and they try to educate

429
00:33:44.359 --> 00:33:49.799
themselves while shopping. You can do
that if you do it the right way,

430
00:33:49.880 --> 00:33:53.599
but most people don't. They listen
and they believe everything. So just

431
00:33:53.720 --> 00:34:00.519
remember this if you are shopping for
something, first, do a bunch of

432
00:34:00.599 --> 00:34:04.720
research and look for what I call
the thread of truth. Go with a

433
00:34:04.799 --> 00:34:07.840
sure thing. Denver's Best Roofer excel
roofing dot com. You don't pay a

434
00:34:07.920 --> 00:34:15.519
cent until you're content. Time for
an insurance check up, free, no

435
00:34:15.639 --> 00:34:20.119
obligation. In comparison, call Compass
Insurance. Pay too much your coverage at

436
00:34:20.159 --> 00:34:23.239
dozens of insurance companies find out now
three oh three seven seven to one help.

437
00:34:23.400 --> 00:34:27.960
You'll think you're his only customer when
you choose Frank durand the real estate

438
00:34:28.000 --> 00:34:31.440
man dot com to list your home
with Remax Alliance three oh three nine two

439
00:34:31.519 --> 00:34:47.159
zero sixteen twenty two. Yeah you
need so you don't have come run anxious

440
00:34:47.159 --> 00:34:54.119
stas as we can. Shooter's gonna
help. Come man, this is the

441
00:34:54.280 --> 00:35:00.360
Troubleshooter Show. No Tom Martinez.
Hey, I'm Tom Martin. You know,

442
00:35:00.559 --> 00:35:04.480
thank you for being here. We
are trying to solve your problems any

443
00:35:04.480 --> 00:35:07.239
way we can. And you know, sometimes it just, you know,

444
00:35:08.239 --> 00:35:13.039
the timing's perfect. This woman who
called us today about a car she was

445
00:35:13.079 --> 00:35:17.960
looking at. I love when people
call us right away and they need help

446
00:35:19.480 --> 00:35:23.480
and they haven't made a mistake yet. She was having some you know,

447
00:35:24.159 --> 00:35:30.599
hesitation, some thought and called us. She went and again she went to

448
00:35:30.639 --> 00:35:34.079
a dealer. The dealer's not important. What's important is she wasn't prepared at

449
00:35:34.079 --> 00:35:36.960
all. She had some insurance money, wanted to take a test drive.

450
00:35:37.000 --> 00:35:40.440
They wanted five hundred bucks. That's
not normal. However, nowadays, who

451
00:35:40.480 --> 00:35:46.800
knows there might be requirements we don't
know about because of how crazy the world

452
00:35:46.880 --> 00:35:52.239
is. Maybe people I don't know. I mean I wouldn't let anyone take

453
00:35:52.280 --> 00:35:55.679
a car and a test drive at
all. Ever, you have to be

454
00:35:55.679 --> 00:36:00.000
careful if you invite people to your
house that they claim residency. God's sakes

455
00:36:00.639 --> 00:36:06.440
anyway, three all three seven one
three talk is our number seven one three

456
00:36:07.039 --> 00:36:09.679
eight two five five If you want
to give us a call. We have

457
00:36:09.719 --> 00:36:16.639
open lines and we have Brendan with
us from Made in the Shade. We've

458
00:36:16.639 --> 00:36:22.599
been talking about some window coverings and
the new technology and just to bring up

459
00:36:22.639 --> 00:36:28.639
to date, no cords needed anymore. And then you have a lot of

460
00:36:28.639 --> 00:36:36.000
stuff being battery operated and solar powered
or combination of both. I very seldom

461
00:36:36.039 --> 00:36:38.400
would they be hardwired, right unless
you build a house that way. Our

462
00:36:38.440 --> 00:36:44.039
home's built with hard wires now at
the windows on purpose or not. Yes,

463
00:36:44.400 --> 00:36:47.400
they are doing home two new homes
right now, and so they they'll

464
00:36:47.400 --> 00:36:51.320
call us and say what do we
need and we let them know of voltage

465
00:36:51.360 --> 00:36:52.880
and how to do it and where
to put it in and we get the

466
00:36:52.920 --> 00:36:59.559
pant the subpanel for them and then
they are Yeah, so then the shade

467
00:36:59.559 --> 00:37:04.000
will just come with the motor and
pigtail and my installers connect so on a

468
00:37:04.039 --> 00:37:07.840
window opening if you're building, if
you're building a house or redoing a room

469
00:37:07.039 --> 00:37:12.760
or a section of the house or
an addition, as they say, where

470
00:37:12.800 --> 00:37:15.719
would you where do you wire your
twelve volte it's low voltage ray? Right?

471
00:37:16.159 --> 00:37:21.039
Do do you wire it on the
inside or on the outside up in

472
00:37:21.079 --> 00:37:22.760
the corner? Where do you?
So? Like just either side in the

473
00:37:22.840 --> 00:37:27.920
upper left corner, upper right corner
of that window opening, inside of the

474
00:37:27.960 --> 00:37:30.760
opening, yep, And they'll just
pop it out there like through the dry

475
00:37:30.840 --> 00:37:35.000
wall or the trim or just a
little tiny little string of wires so there's

476
00:37:35.000 --> 00:37:37.719
no receptacle obviously or anything, but
you just the two wires that you can

477
00:37:37.760 --> 00:37:42.280
marry to yep, until my installer
will connect them directly to the motor,

478
00:37:42.360 --> 00:37:46.039
install them and then they all get
home runs back to a panel and is

479
00:37:46.119 --> 00:37:51.480
Wi Fi usually the way people do
it or are they private Bluetooth or how

480
00:37:51.639 --> 00:37:53.079
they do it? How do they
do it? Usually? Well? You

481
00:37:53.400 --> 00:37:59.760
remote control is these you know,
okay? The remote the remote is just

482
00:38:00.079 --> 00:38:02.480
direct remote, right direct remote,
and you can put them all in one

483
00:38:02.559 --> 00:38:07.199
but obviously peach individual. But then
you can also pair that with a hub,

484
00:38:07.480 --> 00:38:12.719
which is just a USB stick that
goes in any USB in the house

485
00:38:12.920 --> 00:38:15.920
for plug. And then you can
have the app and you can do open

486
00:38:15.920 --> 00:38:20.599
and close them on your phone literally
from anywhere in the world. I mean

487
00:38:20.599 --> 00:38:23.599
you could be an that's right and
whatnot. And that's the thing. More

488
00:38:23.639 --> 00:38:27.320
and more smart homes. It used
to be such a pain and he has

489
00:38:27.400 --> 00:38:30.239
to have a smartphone. I'm a
smart house. You would literally have Cat

490
00:38:30.320 --> 00:38:34.880
five carrying it right now, you
do wireless, it doesn't matter. Yeah,

491
00:38:34.880 --> 00:38:37.880
you can connect them to your Alexa
or Siri also and just say Alexa

492
00:38:37.960 --> 00:38:44.599
close the living room windows and then
you have those yep, and Google Home

493
00:38:44.599 --> 00:38:46.559
could do the same or whatever.
Yeah, they can all be integrated.

494
00:38:47.639 --> 00:38:52.440
See that's that's pretty cool. I
mean that, and you can't can't.

495
00:38:52.440 --> 00:38:58.320
You have what's called scenes, so
yes, so you program scenes like the

496
00:38:58.719 --> 00:39:00.440
end of the day, the middle
of the day, a romantic scene,

497
00:39:00.960 --> 00:39:06.000
kids playing scene, party scene,
yeah, or as the sun you know

498
00:39:06.199 --> 00:39:09.239
comes down or whatever. They'll just
individually close. You can just set that

499
00:39:09.360 --> 00:39:14.840
as a time of day. Some
shades also like your outdoor roller shades.

500
00:39:14.840 --> 00:39:19.679
They'll have light sensors and wind sensors
so that if you're gone and you know

501
00:39:19.719 --> 00:39:22.599
how we get gusts of wind in
Colorado that can really hurt those. The

502
00:39:22.639 --> 00:39:27.400
wind sensor will sense that if you
forgot with awnings to right, and it'll

503
00:39:27.440 --> 00:39:30.639
lift it off. Are awnings in
your ballywick or not? Are they considered

504
00:39:30.639 --> 00:39:35.199
window coverings? Yeah? We do
outdoor awnings end roller shades. We don't.

505
00:39:35.480 --> 00:39:37.159
We do mostly outdoor roller shades,
but we do. We can do

506
00:39:37.239 --> 00:39:42.440
as with awnings. Those little spinners
I call them that. Those are those

507
00:39:42.480 --> 00:39:45.440
wind sensors, right, so if
or how do how does the sense win

508
00:39:45.679 --> 00:39:50.719
it's just a little they don't have
those, but it actually it's just a

509
00:39:50.719 --> 00:39:53.599
little device that just picks up the
wind, the wind speed, and it'll

510
00:39:53.639 --> 00:39:58.800
automatically raise your shade just to preserve
it. Yeah, because otherwise it could

511
00:39:58.840 --> 00:40:02.400
be it could be end. Yeah. Now when you say outdoor shades,

512
00:40:02.440 --> 00:40:06.880
those are decorative. You don't do
the ones for golf courses to keep windows

513
00:40:06.920 --> 00:40:10.199
from breaking. Dal well are so
our outdoor solar roller shades. First of

514
00:40:10.199 --> 00:40:15.880
all, their main function is to
is to block the sun so you can

515
00:40:15.920 --> 00:40:19.679
go out in the evening and enjoy
your patty exactly. However, absolutely that

516
00:40:19.960 --> 00:40:22.199
we do them on homes on golf
courses. There's no way a golf balls

517
00:40:22.239 --> 00:40:27.079
getting through there. I mean it
is a thick like strong solar material.

518
00:40:27.239 --> 00:40:31.159
Oh really yeah, But it's not
like it's not aluminum or anything, right,

519
00:40:31.280 --> 00:40:35.440
No, no, no, they're
just it's it's a POLYI like fabric

520
00:40:35.599 --> 00:40:38.320
like a solar screen. But is
it's very strong? Is it taut or

521
00:40:38.440 --> 00:40:43.679
is it yep? And so it
comes down either on channels and is anchored

522
00:40:43.719 --> 00:40:45.519
to the ground or on cable guide. And how did they hold up to

523
00:40:45.559 --> 00:40:50.599
hall? Oh? They do really
well. They're fine. They're usually under

524
00:40:50.760 --> 00:40:54.559
like an overhang, you know,
mounted, But no, they're fine.

525
00:40:54.599 --> 00:41:00.239
Hail is fine on the fabric.
Three oh three seven one three talk three

526
00:41:00.360 --> 00:41:07.400
h three seven one three eight two
five five. So as far as consumer

527
00:41:07.519 --> 00:41:12.400
news goes, I have some stuff
that I've been watching, And first of

528
00:41:12.440 --> 00:41:21.159
all, I want to ask something. Do you think that the woman who

529
00:41:21.239 --> 00:41:24.320
was who was charged in her son's
shooting at the school? What do you

530
00:41:24.360 --> 00:41:27.440
think about that? Mark? What
do you think about that? I mean,

531
00:41:27.480 --> 00:41:31.159
do you think that that mom it
was Ethan? Did she buy the

532
00:41:31.199 --> 00:41:36.360
gun. Probably, I see,
I'm all by the gun. Was he

533
00:41:36.480 --> 00:41:38.760
underage? Did she know he was
gave the gun? Actually? Well,

534
00:41:38.920 --> 00:41:43.199
I mean there's a lot of things
do unpacked, and they said that that

535
00:41:43.400 --> 00:41:46.480
she kind of knew he was having
problems. But this is a big deal,

536
00:41:46.559 --> 00:41:50.239
man, I mean, this is
a really big deal. There.

537
00:41:50.360 --> 00:42:00.559
They're basically saying that she's responsible.
And if parents were held more respond for

538
00:42:00.639 --> 00:42:05.679
kids' actions, boy, would that
change things tremendously. I mean think about

539
00:42:05.719 --> 00:42:10.079
that. So I really was thinking
about you go all the way back to

540
00:42:10.199 --> 00:42:14.880
Columbine, and I don't think there
was any criminal charges, but there was

541
00:42:14.920 --> 00:42:19.760
definitely civil lawsuits and their homeowners ended
up paying out to everybody. So I

542
00:42:19.760 --> 00:42:24.880
mean that's somewhat holding responsible. But
the criminal aspect is somewhat new, you

543
00:42:24.920 --> 00:42:30.840
know it is. And when you
talk about liability, it gets really complicated

544
00:42:30.880 --> 00:42:37.920
because there's a difference between negligence and
liability. Yeah, but how old was

545
00:42:37.960 --> 00:42:40.039
the kid? Do you have it
in front of you? No, I

546
00:42:40.079 --> 00:42:42.880
don't have the whole thing in front
of me. I mean, you hand

547
00:42:42.960 --> 00:42:45.760
a kid, you know, a
shotgun or whatever, a pistol. I

548
00:42:45.760 --> 00:42:50.039
don't even know what kind of gun
it was, and the kid's fourteen and

549
00:42:50.159 --> 00:42:52.559
not supposed to have it, and
you allow them to keep it in their

550
00:42:52.639 --> 00:42:57.400
room and take it outside and bring
it to school and have any Yeah,

551
00:42:57.440 --> 00:43:00.039
I think John is John Fuller up
on his line right now? Is John

552
00:43:00.079 --> 00:43:07.119
Fuller here? Thanks? Well?
Yes, John, Yes, sir.

553
00:43:07.599 --> 00:43:13.239
So we're talking about liability and that
woman being tried for her for the school

554
00:43:13.239 --> 00:43:15.159
shooting. You're you're aware of that
obviously, right, I sure? Am?

555
00:43:15.480 --> 00:43:22.800
Okay, let's talk about this parents
and liability. You're you're a personal

556
00:43:22.800 --> 00:43:25.280
injury attorney. You know a lot
about liability. Is there a difference between

557
00:43:25.719 --> 00:43:36.360
liability and negligence? Well, certainly. I mean liability is some personal responsibility

558
00:43:36.519 --> 00:43:39.800
that that follows some action or inaction
that you're responsible for, you know.

559
00:43:40.599 --> 00:43:46.199
Negligence is more of a a an
affirmative act that you know, and it

560
00:43:46.239 --> 00:43:51.880
could be an omission as well.
I guess that the two are very close,

561
00:43:51.960 --> 00:43:55.000
but there are subtle differences that make
them different. You know, for

562
00:43:55.119 --> 00:44:00.320
example, you could be liable for
something but it was unintentioned. It was

563
00:44:00.760 --> 00:44:04.199
it was like an accident, It
wasn't negligent on your part. Is that

564
00:44:04.400 --> 00:44:07.800
yeah? And liability could easily follow
a contract or something to where you're legally

565
00:44:07.840 --> 00:44:15.280
responsible but didn't actually do anything wrong. Okay, And in this case,

566
00:44:15.119 --> 00:44:22.039
they're saying she knew her son had
problems and should never have been supplied a

567
00:44:22.079 --> 00:44:28.159
gun. That's it, you know, period. And they're not making they're

568
00:44:28.199 --> 00:44:34.920
not attempting to make her responsible for
the consequences of the shooting per se,

569
00:44:35.719 --> 00:44:40.800
but wholly separate crimes relating to her
incompetence as a parent to a criminal.

570
00:44:42.079 --> 00:44:44.840
You know, degree, Well,
she didn't keep track of the gun for

571
00:44:44.920 --> 00:44:49.280
one thing, right right, it
was under lock and key with the combination

572
00:44:49.440 --> 00:44:58.960
of zero zero zero zero. So
can you think of cases printal? Can

573
00:44:59.079 --> 00:45:02.079
parents be health simly liable? Then
if they go to a neighbor's house and

574
00:45:02.440 --> 00:45:07.480
they do damage? Have you have
you heard of that? Or kids go

575
00:45:07.559 --> 00:45:12.360
to a neighbor's house and do the
parents behaved kids do something? Are are

576
00:45:12.360 --> 00:45:16.159
you liable for your kids' actions?
Is what I'm asking. I think there

577
00:45:16.159 --> 00:45:21.719
are circumstances where you can you can
be liable and and I think there's so

578
00:45:21.800 --> 00:45:23.199
many shades of gray here that it's
hard. But I'll give you a couple

579
00:45:23.239 --> 00:45:28.280
of just quick examples. If you
are part and parcel and that's what they're

580
00:45:28.280 --> 00:45:34.440
getting at with this case of providing
the instrumentality that that you know that was

581
00:45:34.559 --> 00:45:37.400
used to create the damage, then
yeah, you might you might share some

582
00:45:37.440 --> 00:45:42.559
responsibility. No differently than if you
gave the keys to a drunk leaving your

583
00:45:42.599 --> 00:45:47.119
house and let them drive home when
when they were knowingly intoxicated, you you

584
00:45:47.159 --> 00:45:52.679
probably have some culpability under that circumstance. So, and that's what they're trying

585
00:45:52.679 --> 00:45:54.960
to get at with this mom,
is that she knew he was, you

586
00:45:55.000 --> 00:46:00.519
know, in a a mental state
that you know, where bad things could

587
00:46:00.559 --> 00:46:05.880
happen, and then nonetheless provided him
access to this gun. The question is

588
00:46:05.880 --> 00:46:07.960
going to be what did she know
and when? What did you know?

589
00:46:08.400 --> 00:46:12.719
There's nobody that knows this kid better
than the mom, and the fact that

590
00:46:12.760 --> 00:46:16.480
he went and shot somebody is not, you know, one hundred percent foreseeable.

591
00:46:16.519 --> 00:46:20.559
They're making it sound like it was
an inevitability, but I don't know

592
00:46:20.599 --> 00:46:23.119
that it is, because lots of
kids threatened to do things that they never

593
00:46:23.239 --> 00:46:27.960
ever actually do. So I don't
know. That's a tough case, and

594
00:46:28.000 --> 00:46:30.719
it's a slippery slope, and I'm
not sure we want to go down it

595
00:46:30.039 --> 00:46:35.559
by jailing parents for every you know, every action of children. But it's

596
00:46:35.599 --> 00:46:40.360
a it's a case where you just
intuitively want to hold everybody responsible for something

597
00:46:40.400 --> 00:46:45.599
because kids lost their lives that day, you know. And on another note,

598
00:46:45.599 --> 00:46:51.559
which is kind of similar, are
we responsible for the actions of our

599
00:46:51.639 --> 00:46:57.360
dogs, for example, or is
it something we should have known? Well,

600
00:46:57.440 --> 00:47:00.159
I think that's a newer should have
known. I mean, in Colorado,

601
00:47:00.239 --> 00:47:02.920
for instance, the fact that it's
so hard to really you know,

602
00:47:04.320 --> 00:47:07.159
wade through the whole negligence playing field
with the dog. We have statutes that

603
00:47:07.239 --> 00:47:10.480
define what, you know, what
the acceptable conduct is. And that's another

604
00:47:10.519 --> 00:47:15.280
way that the legislator. Legislators just
say that, you know, we can't

605
00:47:15.280 --> 00:47:17.639
figure it out. We don't trust
juries. So it's interesting because in some

606
00:47:17.679 --> 00:47:22.840
states dog bite cases are you know, are huge, and attorneys are clamoring

607
00:47:22.880 --> 00:47:27.880
to get these cases, and others, like Colorado, I don't think I've

608
00:47:27.920 --> 00:47:34.000
handled more than two dog bite cases
in my entire career because statutorily, there's

609
00:47:34.159 --> 00:47:39.159
just no real avenue for recovery absent
it being just a horrific mauling from some

610
00:47:39.320 --> 00:47:44.800
dog that had done it before.
And I don't agree that that statute is

611
00:47:44.840 --> 00:47:47.360
where the line should be drawn,
but that is where it's drawn in Colorado.

612
00:47:49.480 --> 00:47:51.559
All right, thank you, that's
John Fuller. We got more coming

613
00:47:51.639 --> 00:47:54.400
up. I'm Tom Martine three oh
three seven one three talks seven one three

614
00:47:54.760 --> 00:48:00.159
eight two five five. By the
way, Genesis total ex for all of

615
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your storm losses on one invoice,
one point of contact Genesis. That's everything

616
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617
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Oh they can do it, Genesis. Tootalexteriors dot com. Go with

618
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Roofing dot com. You don't pay a

619
00:48:22.079 --> 00:48:30.280
cent until you're content. Time for
an insurance check up free, no obligation

620
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comparison call Compass Insurance. Pay too
much your coverage at dozens of insurance companies

621
00:48:35.800 --> 00:48:38.239
find out now three oh three seven
seven to one help. You'll think you're

622
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his only customer when you choose Frank
durand the real estate Man dot com to

623
00:48:43.239 --> 00:48:46.960
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

624
00:48:53.920 --> 00:48:58.800
Hi Tom Martine here three oh three
seven on three seven one three eight

625
00:48:58.840 --> 00:49:02.400
two five five. So Mark was
talking off the air something that I think

626
00:49:02.440 --> 00:49:06.639
is very important because we were talking
about liability and parents and all of that.

627
00:49:07.400 --> 00:49:09.719
Mark the point you were making.
It's crazy, man. So that

628
00:49:10.000 --> 00:49:15.920
very day, a teacher found something
on his desk or something this kid that

629
00:49:16.000 --> 00:49:21.239
shout up the classroom, and what
it was was a picture of him killing

630
00:49:21.280 --> 00:49:24.519
people. So she brings him to
the principal's office. They call the parents

631
00:49:24.519 --> 00:49:30.320
in, They have an impromptu meeting
right there that day about him, and

632
00:49:30.360 --> 00:49:34.239
they all decide, yeah, we're
going to start looking for a counselor we're

633
00:49:34.239 --> 00:49:37.480
going to start doing this and that. But then, without searching his backpack,

634
00:49:37.559 --> 00:49:42.719
his locker or anything, the principal
in the teacher cut him back to

635
00:49:42.800 --> 00:49:45.239
class, and that's when he started
blasting people. Now, if they're going

636
00:49:45.320 --> 00:49:51.960
to hold the parents responsible, why
the hell wouldn't the principle in this teacher

637
00:49:52.360 --> 00:49:57.000
that found this letter, it didn't
even search his backpack not be tried.

638
00:49:59.159 --> 00:50:06.920
I totally agree creole three seven to
one to three talk. I totally agree

639
00:50:07.280 --> 00:50:10.519
that. Yeah. So no,
I mean, but give me a reason.

640
00:50:10.559 --> 00:50:14.800
Think about it. They're charging the
mother, okay, And let me

641
00:50:14.840 --> 00:50:16.880
tell you this. From what I'm
reading, the mother didn't purchase the gun.

642
00:50:17.280 --> 00:50:21.880
They purchased it on black Friday,
a few days before the event,

643
00:50:22.119 --> 00:50:23.920
and it was the father and the
son. So I don't know what the

644
00:50:23.960 --> 00:50:28.559
mother has to do with the gun, but whatever, she probably knew about

645
00:50:28.599 --> 00:50:30.199
it. In fact, I know
she knew about it. But that's one

646
00:50:30.239 --> 00:50:36.639
thing. But why would they prosecute
her? But let the dumb ass principle

647
00:50:36.920 --> 00:50:42.039
and the dumb ass teacher get in
no trouble whatsoever when they didn't even search

648
00:50:42.079 --> 00:50:45.280
a backpack after finding that stuff,
let the kid return to class. And

649
00:50:45.320 --> 00:50:50.199
then he blasted people. Seriously,
Tom, why, I'll tell you why,

650
00:50:50.320 --> 00:50:55.360
because they protect their own That okay, enough said, I totally agreed.

651
00:50:55.519 --> 00:51:00.320
I mean no disagreement. Now,
Jan, he has a problem with

652
00:51:00.320 --> 00:51:02.880
a storage unit. Jan, what's
happening with you? Welcome to the show,

653
00:51:02.920 --> 00:51:06.719
by the way, People, any
problems, question or complaints, we'd

654
00:51:06.760 --> 00:51:09.679
love to entertain and help if we
can. And Jan, what's going on?

655
00:51:12.280 --> 00:51:14.719
Yeah? Hi, Tom, Hey, I got a call from my

656
00:51:15.079 --> 00:51:19.480
I got a call from my storage
unit this morning that it had been broken

657
00:51:19.480 --> 00:51:29.679
into, and apparently they did apprehend
the suspects who had merchandise of mine.

658
00:51:30.360 --> 00:51:35.000
They had ransacked my unit and the
cops were called, and so they want

659
00:51:35.039 --> 00:51:37.960
me to come over and I guess
they have to do an inventory and maybe

660
00:51:37.039 --> 00:51:42.519
file a police report whatever. But
before I go over there, you know,

661
00:51:42.559 --> 00:51:45.679
this is this is supposed to be
a secure property. It's behind a

662
00:51:45.760 --> 00:51:50.159
gated entrance where you need a code
to get in, and it's inside of

663
00:51:50.199 --> 00:51:52.920
building my units up on the second
floor. I don't know how they got

664
00:51:52.920 --> 00:51:54.880
in because I could, you know, I don't think I could get through

665
00:51:54.880 --> 00:51:59.639
my own lock. And it was
all under the premise of this is a

666
00:51:59.679 --> 00:52:04.320
safe place to keep your merchandise.
And so now I'm wondering, you know,

667
00:52:04.400 --> 00:52:08.199
how liable are they for my damages. That's a very good question,

668
00:52:08.360 --> 00:52:14.400
Jan, because we just had this
discussion with our attorney. Now what you're

669
00:52:14.719 --> 00:52:19.639
discussing, and you said it a
couple times, this is supposed to be

670
00:52:19.760 --> 00:52:23.360
secure. This was under the premise
that it was secure, And you said

671
00:52:23.400 --> 00:52:29.719
something else about being secure, meaning
what you're trying to portray, and again

672
00:52:29.880 --> 00:52:32.760
it may be accurate, is that
they created what was called a bailment.

673
00:52:34.599 --> 00:52:39.639
That creation of a bailment says basically, hey, Jan, you pay us

674
00:52:40.119 --> 00:52:45.360
and we're going to keep your stuff
safe. Now if you know it your

675
00:52:45.360 --> 00:52:47.280
paper, what's that more? No, that's you know, that's not what

676
00:52:47.400 --> 00:52:53.039
you signed in the agreement. What
responsible? You took the words right out

677
00:52:53.079 --> 00:53:00.320
of my mouth. That agreement is
going to specifically. I believe this blaim

678
00:53:00.960 --> 00:53:05.360
any bailment. Now you did you
look at your paperwork? But Jan,

679
00:53:05.639 --> 00:53:08.320
did they agree with you? Jan? You're right, this should have been

680
00:53:08.400 --> 00:53:15.280
safe. We let you down.
Here's the money. Yeah. No,

681
00:53:15.320 --> 00:53:17.880
I haven't looked at the agreement.
But this is good because when I go

682
00:53:17.960 --> 00:53:22.159
over there, I'll ask them to
pull up the agreement and show me the

683
00:53:22.239 --> 00:53:28.119
section where it absolves them of any
Failman. Well, actually, actually it's

684
00:53:28.239 --> 00:53:32.079
just the opposite. To create a
bailment, you would have to show them

685
00:53:32.639 --> 00:53:39.159
where they take that responsibility. In
the absence of an agreement, the default

686
00:53:39.199 --> 00:53:45.400
would be they're not responsible unless they
did something stupid. Okay, did you

687
00:53:45.559 --> 00:53:50.280
just hear the discussion we had with
John Fuller, attorney at law. That

688
00:53:50.400 --> 00:53:55.159
discussion was what did they do wrong? In other words, did they contribute

689
00:53:55.599 --> 00:54:02.320
to this break in? For example? The same thing happens really when your

690
00:54:02.440 --> 00:54:07.039
car is in a shop and the
shop is broken into. People are not

691
00:54:07.239 --> 00:54:17.159
responsible for criminal activity unless they somehow
contributed to it or were negligent about it.

692
00:54:17.800 --> 00:54:22.039
For example, if they knew there
was one door everyone always gets through.

693
00:54:22.840 --> 00:54:28.199
Maybe they light it up and they
reinforce it, or if they knew

694
00:54:28.199 --> 00:54:34.159
they had a shady employee or some
kind of problem. Jan. Just because

695
00:54:34.239 --> 00:54:37.559
it now, listen, this is
the most important sentence. Just because it

696
00:54:37.920 --> 00:54:49.639
happened there doesn't make it their responsibility
agreed. Okay, So what you need

697
00:54:49.679 --> 00:54:52.599
to do is figure it out.
And by the way, I'll bet you

698
00:54:52.760 --> 00:54:59.000
that your agreement not only says we're
not going to take responsibility for this stuff,

699
00:54:59.559 --> 00:55:06.559
but that you should have insurance on
it, which I do. Good

700
00:55:07.039 --> 00:55:08.559
now, and what's wait a minute, then, what's the issue. That's

701
00:55:08.599 --> 00:55:13.599
great? You're going to get reimbursed. Well I don't. I don't even

702
00:55:13.639 --> 00:55:15.320
know what's gone yet, Mark,
But oh, I guess I go over

703
00:55:15.360 --> 00:55:21.679
there. But my question was more
along the lines of, fine, yeah,

704
00:55:21.679 --> 00:55:23.679
I get reimbursed. But you know
it goes back to what I said

705
00:55:23.679 --> 00:55:27.960
earlier. Well, you know you're
portraying this as being a safe place to

706
00:55:28.039 --> 00:55:30.679
keep Well, what do you mean, hold on, Jen, tell me

707
00:55:30.719 --> 00:55:37.239
what you mean by that. Do
they have in any advertisements safe crime free,

708
00:55:37.800 --> 00:55:40.679
secure? Well, tell me what
you mean you now this is the

709
00:55:40.719 --> 00:55:45.400
fourth time, what do you mean
they are portraying it as being secure.

710
00:55:45.440 --> 00:55:52.039
What do you mean by that?
You know, like, I'm sure they

711
00:55:52.119 --> 00:55:55.440
say secure, but you know,
well where what's the name of this place?

712
00:55:55.760 --> 00:56:00.480
What's the name of it, pupe
smart, Cube Smart, and where

713
00:56:00.559 --> 00:56:07.559
is it? This location happens to
be behind the walmart in you off a

714
00:56:07.639 --> 00:56:15.480
rapa hole road in Inglewood exactly.
Okay, Okay, I'm looking at them,

715
00:56:15.599 --> 00:56:19.719
okay, and you should go to
their website and you should read about

716
00:56:19.719 --> 00:56:24.840
it. I do not see I
do not see one word on this entire

717
00:56:24.880 --> 00:56:31.960
website that says secure or safe.
Not one. Now. Now, I'm

718
00:56:31.960 --> 00:56:36.039
not saying it's not there. I
don't see it. And I'm doing one

719
00:56:36.039 --> 00:56:40.199
of these word searches, you know, of the site. Yep, behind

720
00:56:40.239 --> 00:56:44.719
the scenes. I don't see it, not one. But it could be.

721
00:56:45.559 --> 00:56:50.199
Again. I think that these people
have been in the business a long

722
00:56:50.320 --> 00:56:55.000
time. And I don't see safe. I don't see secure, I don't

723
00:56:55.039 --> 00:57:00.119
see crime free. I don't see
let's see cube smart or its facility offers

724
00:57:00.239 --> 00:57:05.440
drive off access. These units are
around the clock. Okay, here's what

725
00:57:05.480 --> 00:57:09.639
it says. These units have around
the clock video monitoring for your peace of

726
00:57:09.719 --> 00:57:16.280
mind. They have access blah blah
blah, set up a no commitment reservation.

727
00:57:19.199 --> 00:57:23.519
So they say they have around the
clock video access. Now who monitors

728
00:57:23.559 --> 00:57:28.079
that? Were you given an app
or something or do they monitor that or

729
00:57:28.119 --> 00:57:36.280
what? That's the only thing that
comes close to hold on state of the

730
00:57:36.440 --> 00:57:44.280
art electronic gates, well lit clean. I don't know, man, I

731
00:57:44.400 --> 00:57:47.239
just don't know. I'm looking at
part of their contract to bottom says customer

732
00:57:47.320 --> 00:57:52.760
agrees to idemnify defendant and hold CUE
Smart harmless against any and all claims for

733
00:57:52.880 --> 00:58:00.280
loss expanse, liability, injury damage
arising out of virtually anything. I don't

734
00:58:00.320 --> 00:58:06.159
think anyone would look at this website
or the contract and say that they guaranteed

735
00:58:06.199 --> 00:58:12.639
anything. And the fact that they
say they have video monitoring, they're not

736
00:58:12.800 --> 00:58:16.960
telling you that they're I think.
But again, go there and see what

737
00:58:17.000 --> 00:58:20.599
they offer. I don't think they're
going to offer anything. Three oh three

738
00:58:21.159 --> 00:58:28.159
seven to one three eight two five
five. Remember Regen dot com, Denver

739
00:58:28.679 --> 00:58:34.119
Regen dot com. If you're looking
for weight loss at two hundred and fifty

740
00:58:34.159 --> 00:58:45.119
bucks a month for semiglutide compound at
Denver region dot com, go with a

741
00:58:45.199 --> 00:58:49.519
sure thing Denver's best roofer Excel roofing
dot com. You don't pay a cent

742
00:58:49.719 --> 00:58:55.519
until you're content. Time for an
insurance check up free, no obligation.

743
00:58:55.559 --> 00:59:00.519
In comparison, call Compass Insurance paying
too much. You'reverridge at dozens of insurance

744
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companies. Find out now three all
three seven seven to one. Help.

745
00:59:04.800 --> 00:59:07.599
You'll think you're his only customer when
you choose Frank durand the real estate Man

746
00:59:07.639 --> 00:59:13.159
dot com to list your home with
Remax Alliance three all three nine two zero

747
00:59:13.239 --> 00:59:22.400
sixteen twenty two. Hi Tom Martino, your troubleshooter three three seven one three

748
00:59:22.480 --> 00:59:28.320
talks seven one three eight two five
five. Joey's got an issue with a

749
00:59:28.400 --> 00:59:31.360
dentist. Joey, what's going on
with you? I was going, uh

750
00:59:31.480 --> 00:59:36.800
back in April of twenty two,
I had two root canals and two crowns

751
00:59:36.840 --> 00:59:43.519
at a dentis, and uh there
was I used my HR card to pay

752
00:59:43.519 --> 00:59:50.079
for it, and uh, they
usually want a receipt whenever with anything that

753
00:59:50.159 --> 00:59:52.079
has to do with dental. So
I sent it to him when they asked

754
00:59:52.119 --> 00:59:57.800
for it, and there was a
discrepancy from the well who asked for it.

755
00:59:57.880 --> 01:00:04.559
First of all, the HR you
mean you mean the the banker?

756
01:00:04.639 --> 01:00:09.079
Where where do you have it account? What's that? It's a health reimbursement

757
01:00:09.119 --> 01:00:13.559
account. So it's like it's his
employer generally, No, I get it.

758
01:00:13.559 --> 01:00:17.199
But where do you keep the money
with your employer? Uh, there's

759
01:00:17.239 --> 01:00:21.960
a separate company that manages it.
Okay, it's not Tom, it's not

760
01:00:22.039 --> 01:00:27.159
an Hssay, it's an h r
HR. Okay, okay, okay,

761
01:00:27.239 --> 01:00:30.119
okay, I'm sorry, got it. So, So, anyway, they

762
01:00:30.119 --> 01:00:32.360
want to see receipts to make sure
the payments are accurate, right, right,

763
01:00:34.039 --> 01:00:36.960
and uh so I sent it to
him, and then they started asking

764
01:00:37.039 --> 01:00:42.119
for a letter of medical necessity,
which I had a problem getting that from

765
01:00:42.159 --> 01:00:45.960
the Wait, you mean just so
you didn't get root canals just for fun

766
01:00:46.000 --> 01:00:49.400
and grins? Come on, are
they kidding me? Well, yeah,

767
01:00:49.440 --> 01:00:52.800
they asked for it, and it
took me a while for the Dennis to

768
01:00:52.079 --> 01:00:57.039
respond to get that to me.
It came down to where I had a

769
01:00:57.079 --> 01:01:00.519
week left before they were going to
shut my cart off. I had to

770
01:01:00.559 --> 01:01:02.519
pay that money out of pocket,
and I was on the phone with the

771
01:01:02.719 --> 01:01:07.039
HRAA and I asked them why they
needed that, and they said that it

772
01:01:07.119 --> 01:01:13.119
got flagged because there was a discrepancy
between the what the insurance paid and what

773
01:01:13.159 --> 01:01:19.679
the dentist said they paid. Wait
wait, wait, what was the discrepancy?

774
01:01:21.159 --> 01:01:22.119
Well, it took me a while
to figure it out, but it's

775
01:01:22.159 --> 01:01:30.480
the contracted amount is where the insurance
is less and the dentist is more.

776
01:01:30.599 --> 01:01:35.360
So there's like a seven hundred dollars
discrepancy. But where did they come up

777
01:01:35.360 --> 01:01:37.920
with their price? I don't know, So I called the insurance in.

778
01:01:38.079 --> 01:01:44.199
I mean, aren't they going by
your actual receipt of what you paid the

779
01:01:45.960 --> 01:01:52.239
dentist or the insurance? Well,
your your your h essay or your health

780
01:01:52.320 --> 01:02:00.199
savings? Aren't they go ahead?
They go by the if everything match is,

781
01:02:00.239 --> 01:02:05.159
then there's no problem. But there
since there was a discrepancy from what

782
01:02:05.199 --> 01:02:07.679
the insurance says they paid, the
insurance kind of says they paid more than

783
01:02:07.719 --> 01:02:10.960
what the dentist is. Well,
here's what I don't understand. If insurance

784
01:02:12.039 --> 01:02:17.079
paid, why are you using your
HSA it's not HSA. Well, whatever

785
01:02:17.159 --> 01:02:20.800
it is, Mark, is it
for your deductible? Is that what it's

786
01:02:20.800 --> 01:02:28.599
for? It's generally an employer that
reimburses. It's a re environment arrangement.

787
01:02:29.119 --> 01:02:32.639
Mark. I understand that, but
you don't reimburse the claim if insurance pays

788
01:02:32.679 --> 01:02:37.599
it the chent and cover the entire
amount. Okay, then that's what I

789
01:02:37.639 --> 01:02:42.159
was asking. So your HSR is
paying your part, right, got it?

790
01:02:42.440 --> 01:02:49.280
Okay? So the insurance amount the
Mount Insurance paid is less than the

791
01:02:49.400 --> 01:02:53.079
dentist said they charge. The insurance
is paying more than what the dentist said

792
01:02:53.119 --> 01:02:58.880
they paid. It's the contracted amount. That's where there's a discrepancy. But

793
01:02:59.000 --> 01:03:02.800
really, none of this right because
all this did was created to get flagged.

794
01:03:04.159 --> 01:03:06.760
That's what created the issue. It's
got nothing to do with that,

795
01:03:06.960 --> 01:03:14.159
is that right? Right? So
I started asking them about the dentists because

796
01:03:14.159 --> 01:03:16.039
I called the insurance. They said
there, yes, there's a discrepancy.

797
01:03:16.079 --> 01:03:19.840
There's nothing we could do. You
have to talk to the dentist. So

798
01:03:19.880 --> 01:03:23.960
I started showing them and the first
time I went in there they said there

799
01:03:24.000 --> 01:03:29.440
was one lady that said no,
everything's fine. And then I went back

800
01:03:29.440 --> 01:03:31.320
a few times and finally talked to
the office manager and he said, yes,

801
01:03:31.360 --> 01:03:35.000
there's a discrepancy. I'll get you. Well who's right and who's wrong?

802
01:03:35.840 --> 01:03:37.000
Well I don't know. So that's
the thing is, they never get

803
01:03:37.039 --> 01:03:42.440
back to me. So every time
I go there and call them, which

804
01:03:42.440 --> 01:03:46.360
I've been doing for a year already. Did the time run out? No,

805
01:03:46.880 --> 01:03:51.559
I don't really care about if either
they stole the money or they if

806
01:03:51.559 --> 01:03:54.840
it's not a big deal and they're
just not explaining to me what the problem

807
01:03:54.920 --> 01:04:00.960
is. Or you never got reimbursed
because you never got reimbursed because it no,

808
01:04:00.039 --> 01:04:02.840
not for the seven hundred dollars,
And I don't even really care anymore.

809
01:04:02.920 --> 01:04:05.679
I just want people to No,
I would care about my seven hundred

810
01:04:05.719 --> 01:04:10.000
dollars. In fact, you know
what I would do if it If it

811
01:04:10.039 --> 01:04:14.159
turns out that the dentist is the
one holding this up, I'd sue him

812
01:04:14.159 --> 01:04:16.039
for the seven hundred dollars. I
would say, as a result of your

813
01:04:16.119 --> 01:04:21.840
negligence, you you know you did
not you cost me seven hundred bucks.

814
01:04:23.360 --> 01:04:33.159
Right, So the dentist is saying
they got paid how much they won't tell

815
01:04:33.239 --> 01:04:41.079
them. No, So the contracted
amount that the dentist is saying that they

816
01:04:41.159 --> 01:04:47.079
charged is twenty three sixty two,
and then the insurance is saying that it's

817
01:04:48.760 --> 01:04:56.400
sixteen seventy six. Okay, because
you know why I think that the dentist,

818
01:04:57.840 --> 01:05:02.239
because your insurance is going by the
approved amount. Your insurance doesn't simply

819
01:05:02.280 --> 01:05:09.159
pay what the dentist bills. So
there's always a discrepancy. There's always I

820
01:05:09.159 --> 01:05:12.199
mean you have that with Medicare.
With everything. You have the build amount

821
01:05:12.400 --> 01:05:16.400
and the approved amount, right,
okay, so there is no discrepancy.

822
01:05:16.440 --> 01:05:23.760
Your insurance company is stupid. I
mean those two amounts never I have never

823
01:05:23.800 --> 01:05:26.639
seen those two amounts match. Ever, it was not a big deal.

824
01:05:26.679 --> 01:05:29.480
I just wanted them to kind of
explain it to me more and they which

825
01:05:29.480 --> 01:05:32.840
they, Oh, okay, every
respond to me. The dentist, doctors,

826
01:05:33.320 --> 01:05:40.119
dentist, everyone always bills what they
bill. The insurance does the approved

827
01:05:40.119 --> 01:05:44.760
amount, and that's what they base
it on. So and they pay the

828
01:05:44.800 --> 01:05:48.519
approved amount. Problem too, is
the the amount that the dentist says the

829
01:05:48.559 --> 01:05:54.719
insurance paid is different from what the
insurance says they paid. So the insurance

830
01:05:54.760 --> 01:06:01.199
is more the insurance. So your
dentist is underclaiming in come right. I

831
01:06:01.280 --> 01:06:06.079
would I'll tell you what I would
do. I would take my dentist to

832
01:06:06.199 --> 01:06:11.199
small claims court for that money,
saying they cost me that money by not

833
01:06:11.280 --> 01:06:15.960
keeping accurate records. Did you pay
him? Yeah? Because okay, as

834
01:06:15.960 --> 01:06:20.480
soon as I got the letter of
medical necessity, than the HR improved it,

835
01:06:20.519 --> 01:06:26.159
so everything was fine. They approved
it, but they didn't reimburse you.

836
01:06:26.199 --> 01:06:30.599
Oh the dentists. You mean no, you'r HR didn't. You're you're

837
01:06:30.639 --> 01:06:35.119
not out of pocket right? Uh? Well, the HR money is is

838
01:06:35.840 --> 01:06:41.559
taken out of my wages and text
god Joey, it's still my money.

839
01:06:42.039 --> 01:06:47.960
I'm asking you. Did you come
out of pocket? Yeah? He did,

840
01:06:48.239 --> 01:06:54.000
Yes, I did. Okay,
not from the HR. Oh the

841
01:06:54.199 --> 01:06:57.199
HR raised his money, Tom,
I get it. But that's what it's

842
01:06:57.199 --> 01:07:01.239
supposed to do. It's supposed to
do what it did. Go with a

843
01:07:01.280 --> 01:07:05.639
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

844
01:07:05.840 --> 01:07:14.719
until you're content. Wait time for
an insurance checkup free no obligation comparison call

845
01:07:14.840 --> 01:07:18.800
Compass Insurance paying too much your coverage
at dozens of insurance companies find out now

846
01:07:18.840 --> 01:07:23.679
three all three seven seven to one
help. You'll think you're his only customer

847
01:07:23.719 --> 01:07:27.360
when you choose Frank durand the real
estate Man dot com to list your home

848
01:07:27.559 --> 01:07:33.800
with Remax Alliance three all three nine
two zero sixteen twenty two. Hi Tom

849
01:07:33.880 --> 01:07:41.320
Artino, your troubleshooter three O three
seven one three talk seven one three eight

850
01:07:41.400 --> 01:07:46.000
two five five. Joey, here's
the bottom line. Now, I understand

851
01:07:46.519 --> 01:07:53.800
you're not complaining that you did not
get to use your HSR or HSA,

852
01:07:54.000 --> 01:07:58.119
whatever your health savings. You're not
You're not complaining about that. What you're

853
01:07:58.119 --> 01:08:03.920
complaining about is that, during the
process you discovered the dentist and the insurance

854
01:08:03.960 --> 01:08:11.280
company do not agree on what's paid. Big deal, that's a nothing burger.

855
01:08:11.360 --> 01:08:15.440
Who cares? Who cares? Who
cares? Go with a sure thing

856
01:08:15.559 --> 01:08:18.960
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're

857
01:08:19.039 --> 01:08:27.000
content. Time for an insurance checkup
free, no obligation. In comparison,

858
01:08:27.119 --> 01:08:31.199
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

859
01:08:31.239 --> 01:08:34.800
now three all three seven seven to
one help. You'll think you're his only

860
01:08:34.880 --> 01:08:39.680
customer when you choose Frank durand the
real estate Man dot com to list your

861
01:08:39.720 --> 01:08:44.960
home with Remax Alliance three all three
nine to two zero sixteen twenty two.

862
01:08:51.000 --> 01:09:02.079
You need so you don't have cass
to care. The Shooter's gonna help coming

863
01:09:02.439 --> 01:09:10.279
man. This is the Troubleshooter Show. No Tom Martino, Hi, Tom

864
01:09:10.279 --> 01:09:15.239
Martino Here three all three seven one
three talk seven one three eight two five

865
01:09:15.439 --> 01:09:20.319
five what's going on in your life? Plenty of time for phone calls.

866
01:09:20.880 --> 01:09:26.680
If you have a problem, question
or complaint, give me a call now,

867
01:09:26.720 --> 01:09:36.359
listen. Do you know right now
more than thirty million people have unclaimed

868
01:09:36.640 --> 01:09:43.680
money unclaimed money. Now, don't
fall for those scams to say I'm a

869
01:09:43.680 --> 01:09:47.000
money finder, you know, help
me and I'll help you. But there

870
01:09:47.119 --> 01:09:53.920
are that many people. One in
seven people have unclaimed money and they don't

871
01:09:53.920 --> 01:09:57.680
know about it, about it.
They just don't know about it. And

872
01:09:57.760 --> 01:10:02.960
there are state databases that carry this
money and it's anything from a closed account

873
01:10:02.960 --> 01:10:11.720
to a refunded insurance check to any
kind of unclaimed stuff. But they say

874
01:10:11.880 --> 01:10:16.039
it is an unbelievable problem trying to
get people to know about it, and

875
01:10:16.079 --> 01:10:19.479
you have to go and find it
that. In general, they're called they're

876
01:10:19.560 --> 01:10:25.800
held by a treasury of the state
you're in. Money has to be sent

877
01:10:25.880 --> 01:10:34.239
to them, and it's called they're
called es sheet funds. So what happens

878
01:10:34.520 --> 01:10:42.039
with a sheet funds, Well,
the monies are deposited there and then you

879
01:10:42.279 --> 01:10:48.079
have to go and search. There's
an National Association of Unclaimed Property Administrators.

880
01:10:48.079 --> 01:10:54.880
But I'm not sure that is not
a come on. But you can search

881
01:10:55.720 --> 01:11:00.560
for unclaimed property by your name.
You go to unclaimed well, one of

882
01:11:00.560 --> 01:11:05.560
them is unclaimed dot org for example, and you can go down and search

883
01:11:05.920 --> 01:11:11.720
your name. Uh. For example, if you're in Colorado, you click

884
01:11:11.760 --> 01:11:15.239
on the map for Colorado and they
have an escheat fund and what you do

885
01:11:15.319 --> 01:11:19.399
is put your name in and you
see if you're doing it. So I'm

886
01:11:19.399 --> 01:11:23.640
gonna you can put your name in. I'm gonna put my name in and

887
01:11:24.199 --> 01:11:28.199
you can see if you are in
line for money. Have you ever done

888
01:11:28.199 --> 01:11:34.239
this? Mark? Yeah, I
think it was called the Great Coloradopayback dot

889
01:11:34.279 --> 01:11:38.520
Com. I've definitely done it.
I'm trying to remember what the website was

890
01:11:38.600 --> 01:11:41.760
though, and I just did it. I just put in my name.

891
01:11:42.520 --> 01:11:45.600
I went to. Uh. There's
all kinds of places you can go,

892
01:11:45.760 --> 01:11:50.159
and a lot of them are legit, and this one is searching its search.

893
01:11:50.199 --> 01:11:54.640
All you got to do is search
Great Colorado Payback and you'll see the

894
01:11:54.680 --> 01:11:58.560
one. Right. I'm not on
that one, but you're right. That's

895
01:11:58.600 --> 01:12:01.960
a good that's a good site we've
had in the past. Anyway, there

896
01:12:02.039 --> 01:12:08.319
are people and this is what I
don't understand that did not even know they

897
01:12:08.399 --> 01:12:14.439
had a claim in an estate.
You know, that's crazy. I'd like

898
01:12:14.520 --> 01:12:18.000
to ask our state attorney about that. Maybe we should call one of them

899
01:12:18.520 --> 01:12:24.079
for the heck of it. Let's
call Dan McKenzie. I'd like to know

900
01:12:24.119 --> 01:12:28.359
about it. You see, if
McKenzie's around, and how would anyone not

901
01:12:28.600 --> 01:12:33.399
know that they are entitled? And
where does the money go? Does it

902
01:12:33.479 --> 01:12:38.960
go to these as sheet funds?
Because oh, by the way, I

903
01:12:39.119 --> 01:12:44.319
search and guess what it says here
that I don't have any money coming?

904
01:12:45.039 --> 01:12:49.720
Okay, dog gone it? I
thought maybe I did. Have you ever

905
01:12:49.760 --> 01:12:56.640
found money? One time I had
moneys? One time I had money from

906
01:12:56.760 --> 01:13:02.439
an FAHA loan I had years and
years ago where I had prepaid private mortgage

907
01:13:02.479 --> 01:13:08.640
assurance or something. And when I
refinanced, what I did not realize is

908
01:13:08.680 --> 01:13:13.479
that you actually get a refund of
that. Did you know that you get

909
01:13:13.560 --> 01:13:17.520
so? And and that refund was
there for me. It was a few

910
01:13:17.600 --> 01:13:20.520
hundred bucks and I had never known
about it. So I thought that was

911
01:13:20.560 --> 01:13:27.079
pretty cool. So we have Brendan. I have some text here for window

912
01:13:27.119 --> 01:13:31.960
coverings here and there. One wants
to know about window coverings when it comes

913
01:13:32.000 --> 01:13:36.199
to solar. Now listen to what
they mean by this. Are there any

914
01:13:36.239 --> 01:13:43.920
window coverings that capture solar for the
house hold on a sec go ahead?

915
01:13:44.079 --> 01:13:45.840
Have you heard of those? I
don't know of any. Now there are

916
01:13:45.920 --> 01:13:50.079
used to used to be windows,
but I'm not sure are those windows even

917
01:13:50.079 --> 01:13:56.279
still around though. That's the thing. There were windows that you could buy

918
01:13:58.000 --> 01:14:04.439
that would be able to capture solar
and feed into your grid. Right,

919
01:14:04.960 --> 01:14:10.399
And that's another thing I'd like to
know about because I think they they were

920
01:14:10.600 --> 01:14:14.079
like a flash in the pan,
and I think they went away. But

921
01:14:14.279 --> 01:14:18.199
okay, someone else wants to know. On the battery operated ones, can't

922
01:14:18.199 --> 01:14:20.960
they be solar operated? Do you
have to have do you ever have to

923
01:14:21.000 --> 01:14:26.800
replace batteries? Yeah? So they
would be on a rechargeable battery that you

924
01:14:26.800 --> 01:14:30.399
would also connect a solar panel to, and that solar panel pretty much keeps

925
01:14:30.439 --> 01:14:34.199
them charged year round. Maybe every
two or three years. You might have

926
01:14:34.239 --> 01:14:39.600
to put like a good charge into
them and then for a couple few hours

927
01:14:39.720 --> 01:14:43.920
and then you're done for another couple
three years. And you know, of

928
01:14:43.920 --> 01:14:45.239
course, it has to be south
facing. It can't be on the north

929
01:14:45.279 --> 01:14:47.920
side of your house under a tree
in the shade or something, it's not

930
01:14:47.960 --> 01:14:54.640
going to function. So basically it
extends a long time the law. Yeah,

931
01:14:54.680 --> 01:14:58.439
and of course also depending on if
you're putting them up and down constantly

932
01:14:58.520 --> 01:15:00.720
every day or you you know,
you more or less leave him up or

933
01:15:00.720 --> 01:15:05.600
down. Chris, what about finding
money? Did you find money? I

934
01:15:05.680 --> 01:15:10.800
found money several times. Once I
had overpaid a credit card and they wound

935
01:15:10.840 --> 01:15:13.760
up sending money to Colorado State.
And then long many years ago and I

936
01:15:13.800 --> 01:15:16.439
lived in Missouri, I found money
three times there. But my comment specifically

937
01:15:16.560 --> 01:15:19.760
was, if you have a deceased
relative, like a parent, you can

938
01:15:19.800 --> 01:15:23.239
also check for their stuff. And
as long as you get copies of the

939
01:15:23.239 --> 01:15:27.279
death certificates and so I off that
you are the beneficiary, they will send

940
01:15:27.319 --> 01:15:30.960
you their checks. Have you ever
had that happen? My brother did for

941
01:15:31.039 --> 01:15:36.359
my grandfather. He's older than me. He was the oldest living relative.

942
01:15:36.920 --> 01:15:41.119
So for my grandfather back in New
York, he wound up getting his money.

943
01:15:41.439 --> 01:15:45.960
How much at the time it was
probably just a couple of hundred dollars,

944
01:15:45.319 --> 01:15:47.640
but I know all total from me, I've gotten like wiber fourteen or

945
01:15:47.640 --> 01:15:51.640
fifteen hundred dollars from Colorado and Missouri
Okay, thank you, Chris. I

946
01:15:51.720 --> 01:15:55.880
want to talk to Dan mackenzie.
He's an attorney at law. He does

947
01:15:55.920 --> 01:15:59.640
the state planning and I'll give out
his contact, but he does wills and

948
01:15:59.680 --> 01:16:03.640
trust and helps you face probate or
avoid probate. Hey, Dan, I

949
01:16:03.680 --> 01:16:10.880
wanted to ask you something. Have
you ever heard of money from an estate

950
01:16:11.000 --> 01:16:15.840
going into the escheet funds because they
can't find the air or do the other

951
01:16:15.920 --> 01:16:19.479
heirs get to split it? How
does it work? Usually the other heirs

952
01:16:19.479 --> 01:16:24.520
would get to split it. A
lot of wills and trusts and other documents

953
01:16:24.520 --> 01:16:28.199
will say they either if someone can't
be found or they don't have any decendants,

954
01:16:29.239 --> 01:16:31.920
then the other the other air split
up pro rata. But it could

955
01:16:32.079 --> 01:16:34.479
It certainly could. That could be
a source of funds and the endplant of

956
01:16:34.479 --> 01:16:40.039
funds because if it's not mentioned what
to do with it? Does the estate

957
01:16:40.119 --> 01:16:44.920
have a choice. If there was
one thousand dollars set aside for Johnny and

958
01:16:45.000 --> 01:16:49.640
Johnny can't be found, they can't
justmatically take it, can they? Yeah,

959
01:16:49.640 --> 01:16:51.760
that is a problem. Yeah,
if he can't be found and they

960
01:16:51.760 --> 01:16:55.399
don't really know, Like, yes, I think that that really Yeah,

961
01:16:55.439 --> 01:16:57.640
you could end up in a situation
of having to turn it over to the

962
01:16:58.000 --> 01:17:00.920
un claim fund. And did you
hear what that other guy said too,

963
01:17:01.039 --> 01:17:04.640
that if you can show you're an
heir to people in an unclaimed fund and

964
01:17:04.680 --> 01:17:10.319
there's a death certificate, you can
you can claim that way. Have you

965
01:17:10.359 --> 01:17:14.199
ever heard of that? Oh?
Yeah, yeah, we've we've engaged in

966
01:17:14.239 --> 01:17:16.159
that process and they do. They're
pretty rigorous about it, as you can

967
01:17:16.199 --> 01:17:18.920
imagine. They want to make sure
that you really are the right person and

968
01:17:19.399 --> 01:17:24.119
you have a right to it,
and that the person you know that let

969
01:17:24.199 --> 01:17:27.880
left documents and is deceased in all
that, so you know, there is

970
01:17:27.920 --> 01:17:33.159
a process. So if anyone has
any relatives and they search the sheet funds,

971
01:17:33.279 --> 01:17:36.640
the Colorado Payback or whatever state you're
in, and they find there's money

972
01:17:38.079 --> 01:17:42.880
and that person's deceased, there is
an outside possibility they could be in line

973
01:17:44.560 --> 01:17:47.319
for that money that was left.
Yeah. I just found two hundred and

974
01:17:47.359 --> 01:17:55.680
fifty bucks for yourself. Yeah,
it was from Colorado Carcare my good Years

975
01:17:56.079 --> 01:18:01.439
and it was from the Workman's comp
I must have overpaid to Pinnacle. Pinnacle

976
01:18:02.399 --> 01:18:05.960
transfer it over there, So I
just submitted to claim. Hopefully I get

977
01:18:06.000 --> 01:18:11.840
it. That's pretty cool. Yeah, everyone should do that search every once

978
01:18:11.840 --> 01:18:14.239
in a while because we I mean, it's part of our process. In

979
01:18:14.279 --> 01:18:16.479
the probate process. We do an
unclaimed property search for the person who passed

980
01:18:16.520 --> 01:18:19.199
away, and we get a lot
of hits. I mean, it comes

981
01:18:19.239 --> 01:18:24.439
up a lot, no fooling.
That is pretty cool. Hey, Dan,

982
01:18:24.520 --> 01:18:30.039
does it sit there forever or just
the state eventually snag it? You

983
01:18:30.039 --> 01:18:32.840
know, I don't remember how that
goes, but it's there for quite a

984
01:18:32.840 --> 01:18:39.039
while, so yeah, I don't
know went it eventually? It must go

985
01:18:39.079 --> 01:18:45.560
away eventually, Okay. I have
just did this on the Colorado payback and

986
01:18:45.840 --> 01:18:55.600
I have from Sentry Insurance, AIG
Property Casualty, Western Union Financial Services,

987
01:18:55.600 --> 01:19:00.600
Optimum, and some others. I
have a total of six thousand dollars.

988
01:19:01.039 --> 01:19:06.439
I can't believe it. Now,
where did this money come from? It'll

989
01:19:06.439 --> 01:19:11.520
say, OK, well, it
says it just says what it is.

990
01:19:12.000 --> 01:19:16.359
It just says it's from insurance.
Two insurances. I had Century, I

991
01:19:16.399 --> 01:19:23.760
had AIG Property Casualty. What is
Western Union for APO that used to be

992
01:19:23.840 --> 01:19:27.119
a sponsor of ours? They owe
you money? No, that's a city?

993
01:19:27.920 --> 01:19:34.279
Oh yeah, what the hell's that? What city is APO? That's

994
01:19:34.319 --> 01:19:39.720
weird? Man? Anyway. Three
oh three seven one three, eight two

995
01:19:39.880 --> 01:19:43.600
five five. We have more coming
up on the Troubleshooter Show, and that's

996
01:19:43.680 --> 01:19:45.720
Dan mackenzie. By the way,
if you ever need to get in touch

997
01:19:45.720 --> 01:19:50.880
with them eight three three COO Plans
eight three three COO Plans or co Plans

998
01:19:50.920 --> 01:20:00.359
dot co. Go with a sure
thing Denver's Best Roofer Sell roofing dot com.

999
01:20:00.399 --> 01:20:06.960
You don't pay a cent until you're
content. Time for an insurance check

1000
01:20:08.039 --> 01:20:13.680
up free no obligation comparison call Compass
Insurance paying too much your coverage at dozens

1001
01:20:13.680 --> 01:20:16.359
of insurance companies find out now three
all three seven to seven to one help.

1002
01:20:16.520 --> 01:20:20.039
You'll think you're his only customer when
you choose Frank durand the real estate

1003
01:20:20.159 --> 01:20:25.560
Man dot com to list your home
with Remax Alliance three oh three nine two

1004
01:20:25.640 --> 01:20:33.720
zero sixteen twenty two. Hi Tom
Martino here three oh three seven one three

1005
01:20:33.800 --> 01:20:40.680
talk seven one three eight two five
five. Welcome to the show. So

1006
01:20:41.800 --> 01:20:50.760
did you know that TikTok failed to
come to an agreement with UMG Universal Music

1007
01:20:50.800 --> 01:21:00.680
Group And that is a giant place
that gave royalties or licensed them to use

1008
01:21:00.800 --> 01:21:05.239
music. And now most all music
is now removed from TikTok, not allowed

1009
01:21:05.279 --> 01:21:11.319
to be used in your pictures or
I mean in your tiktoks, so in

1010
01:21:11.359 --> 01:21:17.680
your VIDs. So basically their license
anything that was licensed through UMG is being

1011
01:21:17.800 --> 01:21:24.039
taken off of TikTok and you cannot
use it. By the way mark,

1012
01:21:24.399 --> 01:21:30.359
we often get a UMG copyright notice. Did you know that when when Shannon

1013
01:21:30.520 --> 01:21:34.359
and Dragon let the use it yep
play a little too where they use a

1014
01:21:34.399 --> 01:21:43.000
song that for some reason umgesus we're
not supposed to use and they say they

1015
01:21:43.079 --> 01:21:50.439
own apparently more music than anyone in
the world. So basically they're in negotiations.

1016
01:21:50.520 --> 01:21:57.399
No negotiations broke down, but right
now they say TikTok has to let

1017
01:21:57.479 --> 01:22:00.039
them use it, has to come
up with an agreement or they're going to

1018
01:22:00.119 --> 01:22:09.880
be totally screwed. Because music is
part of ninety five percent of all videos.

1019
01:22:10.000 --> 01:22:13.960
So what happens to the videos that
were up already that had music on

1020
01:22:14.039 --> 01:22:16.640
them. Do they get to stay
up or do they have to be taken

1021
01:22:16.720 --> 01:22:23.439
down? That's what I don't know. And another thing, did you know

1022
01:22:24.840 --> 01:22:32.399
that they're going after tribute bands now
to pay fees? Did you know that

1023
01:22:33.520 --> 01:22:38.239
if you want to use music.
You have to actually pay fees if you

1024
01:22:38.399 --> 01:22:45.359
play for pay? What do you
think of all the tribute bands? What

1025
01:22:45.359 --> 01:22:49.760
do you think the number one tribute
band is today? What do you think

1026
01:22:49.840 --> 01:22:56.680
for what band? The number one
tribute band? Brendan any idea? The

1027
01:22:56.760 --> 01:23:02.239
number one a tribute band? Oh
man, I don't know. Bohemian Queen

1028
01:23:02.720 --> 01:23:08.239
Queen. Well it's Bohemian, you
know, because it's it's tributed. But

1029
01:23:08.279 --> 01:23:15.960
that's the number one selling as far
as tribute bands, and they're supposedly incredible.

1030
01:23:15.399 --> 01:23:19.359
But Adam Lambert, oddly enough,
is not the one in that band.

1031
01:23:19.399 --> 01:23:26.319
Remember he was this He was the
sensation on American Idol that went to

1032
01:23:26.399 --> 01:23:30.239
the real queen. But anyway,
this is a tribute ban the number two

1033
01:23:31.960 --> 01:23:36.560
you would think these of course these
are come on anybody you want to think

1034
01:23:36.600 --> 01:23:42.680
about it? The best of Journey
or actually it's not Journey, but the

1035
01:23:42.800 --> 01:23:46.640
name is Escape taken from a song. But that is a Journey tribute band

1036
01:23:46.760 --> 01:23:50.520
is number two. There's a big
Zeppelin one and a big like Number three

1037
01:23:50.600 --> 01:23:56.920
is the Beatles tribute band called called
Britain's Finest. Now I've heard of nineteen

1038
01:23:57.039 --> 01:24:00.800
sixty four. I saw those guys
at Red Rocks. But this is Britain's

1039
01:24:00.840 --> 01:24:06.560
finest. It's called and number four
is Britt Floyd. Yeah, Britt Floyd.

1040
01:24:06.600 --> 01:24:11.760
That's it for Pink Floyd. And
I hear they're amazing. Mark.

1041
01:24:11.800 --> 01:24:15.920
Have you ever heard a tribute band? Of course you have. I mean

1042
01:24:15.960 --> 01:24:17.479
have you actually gone to one of
their concerts? You know, we had

1043
01:24:18.359 --> 01:24:21.319
this is a very weird story.
We had someone, in fact, he

1044
01:24:21.399 --> 01:24:29.760
might still be doing it that was
on this actually on the referral list,

1045
01:24:30.479 --> 01:24:33.399
and he was a sponsor of the
show and he had a tribute band.

1046
01:24:33.439 --> 01:24:39.079
He might still have it for you
too. Oh nice, And I went

1047
01:24:39.119 --> 01:24:42.960
to see him. I mean,
they drew big crowds. His name is

1048
01:24:43.000 --> 01:24:48.319
Ted Gravelin. It was Gravelin and
do you know I believe Ted Gravelin also

1049
01:24:48.399 --> 01:24:53.760
did Mark before Garrett took it over. He did eight eight eight heating,

1050
01:24:54.039 --> 01:24:59.479
right, and I do believe so. And then he sold it to Garrett,

1051
01:25:00.159 --> 01:25:04.960
and I understand Ted is still doing
his tribute stuff. That's a weird

1052
01:25:04.960 --> 01:25:11.840
one. But that was a local
I say, local Colorado band that did

1053
01:25:11.880 --> 01:25:16.119
a tribute to you too. Anyway, So led Zeppelin's tribute band is called

1054
01:25:18.119 --> 01:25:26.359
Zeppela say they always have, and
then Mark, you'd love this one iron

1055
01:25:26.399 --> 01:25:31.760
Maidens. Oh I'm not a big
Iron Maiden fan. No oh okay,

1056
01:25:31.880 --> 01:25:36.039
oh no, no, you like
what's her name? Metallica? That's exactly

1057
01:25:36.119 --> 01:25:43.800
right. And then this one I'd
be oh abba abba or whatever that they

1058
01:25:43.800 --> 01:25:51.760
have an abba and the number eight
is Cuban Siss, which is a tribute

1059
01:25:51.840 --> 01:25:58.640
to Grateful Dead. Now that's got
to be hard to do because you ever

1060
01:25:58.960 --> 01:26:03.079
had structured But what's that Mark?
In Castle Rock last summer, so not

1061
01:26:03.199 --> 01:26:06.600
many months ago, they have a
beer fest once a year and they brought

1062
01:26:06.600 --> 01:26:12.960
in this band called that Arena Rock
Show. So they come out there like

1063
01:26:13.119 --> 01:26:16.279
poison. Then they run back and
change clothes. Then their Kiss, then

1064
01:26:16.319 --> 01:26:20.840
their Bond Jovi, then their def
Leopard. They did an amazing job of

1065
01:26:20.880 --> 01:26:28.039
all the wow. Wow anyway,
uh there is one to uh yeah.

1066
01:26:28.159 --> 01:26:32.880
So anyway, so tribute bands seem
to be a big thing these days,

1067
01:26:33.359 --> 01:26:39.399
and you can actually you can actually
hire them for private gigs because they are

1068
01:26:39.720 --> 01:26:44.039
more affordable than, of course,
really big bands. Three oh three seven

1069
01:26:44.079 --> 01:26:46.439
to one three talk seven one three
eight two five five. I got one

1070
01:26:46.520 --> 01:26:54.000
quick question about window coverings that just
came in and this is about are there

1071
01:26:54.000 --> 01:26:57.840
insulating qualities to any can you get
if you have a cold room, can

1072
01:26:57.880 --> 01:27:02.079
you get window coverings that have insulating
Brendan? Yeah, so shutters are your

1073
01:27:02.279 --> 01:27:06.399
most insulating, but right up there
with wait, wait, how could shutters

1074
01:27:06.439 --> 01:27:11.880
be just the thickness of the wood
and they really yep, yep, they

1075
01:27:11.920 --> 01:27:15.319
do a really good job. But
cell shades, which are honeycomb shades as

1076
01:27:15.359 --> 01:27:19.279
most people know them. Those remember
those ugly things they used to call room

1077
01:27:19.319 --> 01:27:24.479
warmers. They're the ugliest things in
the world. They look like, for

1078
01:27:24.600 --> 01:27:30.800
lack of a better word, folding
kind of uh, quilt. Have you

1079
01:27:30.119 --> 01:27:35.279
do you never saw those come on? No, Like they they're like they're

1080
01:27:35.359 --> 01:27:40.439
like, I don't know, like
cloth, like a big and then and

1081
01:27:40.520 --> 01:27:44.319
you they would fold up. They
were almost like, I don't know what

1082
01:27:44.520 --> 01:27:48.399
they have Roman shades that that are
they're fabric and they pull up and collect.

1083
01:27:48.840 --> 01:27:54.520
That's more of a decorator. Yeah, well they I thought they were

1084
01:27:54.560 --> 01:27:58.279
called room warmers, and boy were
they ugly. They had like they were

1085
01:27:58.359 --> 01:28:01.319
like quilts for lack of a better
word, and you pull this cord and

1086
01:28:01.399 --> 01:28:06.119
they just fold up like an accordion. Yeah, it's that sounds similar to

1087
01:28:06.199 --> 01:28:11.279
a Roman, but Roman shades are
quite pretty anyway. Three O three seven

1088
01:28:11.319 --> 01:28:20.359
one three eight two five five.
Go with a sure thing Denver's best roofer

1089
01:28:20.479 --> 01:28:28.640
Excel Roofing dot com. You don't
pay a cent until you're content. Time

1090
01:28:28.680 --> 01:28:32.680
for an insurance check up free,
no obligation comparison call Compass Insurance paying too

1091
01:28:32.760 --> 01:28:38.039
much your coverage at dozens of insurance
companies find out now three all three seven

1092
01:28:38.119 --> 01:28:41.560
seven to one. Help. You'll
think you're his only customer when you choose

1093
01:28:41.560 --> 01:28:45.000
Frank durand the real estate Man dot
com to list your home with Remax Alliance

1094
01:28:45.239 --> 01:28:53.039
three all three nine two zero sixteen
twenty two. Hi, Tom Martino,

1095
01:28:53.119 --> 01:28:58.279
you're troubleshooter three all three seven one
three talk seven one three eight two five

1096
01:28:58.479 --> 01:29:01.520
five. So I have Annie who
wants to talk about shades or a question

1097
01:29:01.600 --> 01:29:05.760
on shades. Go ahead, Annie, what's going on? Hi? I

1098
01:29:05.920 --> 01:29:13.199
have I'm wondering about the size of
the cell on those cell shades, Like

1099
01:29:13.359 --> 01:29:18.279
I have three eight inch double cell, but if you have let's say,

1100
01:29:18.520 --> 01:29:26.439
has inch, is the size of
the space of the cells more insulating as

1101
01:29:26.439 --> 01:29:30.359
they get as the cells get bigger? Does that make sense? Yeah?

1102
01:29:30.399 --> 01:29:32.279
Yes, I know what you're asking, I would have what does it?

1103
01:29:32.199 --> 01:29:35.119
It is a double cell, which
is good. They're front and back yeh,

1104
01:29:35.159 --> 01:29:41.079
which is the cells are just air
spaces, right they are so like

1105
01:29:41.119 --> 01:29:44.960
that air pocket kind of is like
an insulating factor, doesn't it Does it

1106
01:29:45.000 --> 01:29:47.960
actually insulate or just cut down on
drafts? It actually insulates. It does

1107
01:29:48.000 --> 01:29:50.800
have an R value. It's not
like the insulation in your wall, but

1108
01:29:50.840 --> 01:29:54.359
it does have a low R value. And so what are you saying?

1109
01:29:54.800 --> 01:29:57.800
The more chambers the better? Yeah? And double cells are the best.

1110
01:29:58.239 --> 01:30:01.840
Absolutely, yeah, three quarters the
three quarter double cell will give you more

1111
01:30:01.880 --> 01:30:05.520
than your three a's as will it
happen. So the more cell, the

1112
01:30:05.520 --> 01:30:10.039
bigger the cell, the better.
The more double cell is better. Double

1113
01:30:10.079 --> 01:30:13.640
the cell. They don't have triple
cell, right they double? Okay,

1114
01:30:14.720 --> 01:30:21.720
okay you have Do you notice the
insulating quality? Oh yeah, oh yeah

1115
01:30:23.039 --> 01:30:29.560
I do, and I do they
let me ask you do they insulate both

1116
01:30:29.600 --> 01:30:35.199
against the cold and the heat.
Yes, well oh either one? I

1117
01:30:35.199 --> 01:30:41.279
mean yes, so it helps your
air. They regulate your your home temperature

1118
01:30:41.359 --> 01:30:45.720
for sure. Really well yeah,
I noticed when I pull the shades up

1119
01:30:46.000 --> 01:30:50.119
if it's cold out, you know, and I put my hand up against

1120
01:30:50.159 --> 01:30:56.199
the shade, I'm not feeling the
coldness. Well, that's cool, thank

1121
01:30:56.199 --> 01:31:00.640
you. Annie. Listen, what
about tinting? Does anyone do windows anymore

1122
01:31:00.359 --> 01:31:02.439
in homes? Do you? Guys? Don't do it to you? We

1123
01:31:02.520 --> 01:31:08.760
don't. I've seen I've never I've
never seen a window tention. Well,

1124
01:31:08.800 --> 01:31:12.439
first of all, I've never seen
any window tinting that holds up. Yeah,

1125
01:31:12.600 --> 01:31:15.239
mostly in commercial spaces. Is where
the tinting is and does it?

1126
01:31:15.279 --> 01:31:18.560
Does it? It's a film so
it can actually scratch. We still obviously

1127
01:31:19.800 --> 01:31:25.720
so. But they they work,
They really work, but they don't necessarily

1128
01:31:25.800 --> 01:31:30.359
last long. And do you usually
put them on the inside or the outside?

1129
01:31:30.680 --> 01:31:34.279
Our commercial ones, I believe were
on the inside. They would have

1130
01:31:34.359 --> 01:31:39.119
to be because the weather could just
take a toll on them. Yeah.

1131
01:31:39.159 --> 01:31:45.000
All right, So someone else heard
John Fuller's commercial earlier and texted me.

1132
01:31:45.039 --> 01:31:46.920
By the way, you can always
text at five seven seven three nine.

1133
01:31:48.359 --> 01:31:55.640
They wanted to know about gap insurance. He mentioned gap insurance because people get

1134
01:31:55.680 --> 01:32:00.800
in an accident and they expect the
or the other insurance or their insurance or

1135
01:32:00.800 --> 01:32:06.479
their collision whatever they have to pay
off their loan. Here's what's really important

1136
01:32:06.520 --> 01:32:15.640
to know. Gap insurance does cover
gap between what you paid, you know,

1137
01:32:15.840 --> 01:32:18.640
and that loan if the loan is
more than it should be for that

1138
01:32:18.800 --> 01:32:25.960
car, but not unlimited. Most
gap policies will only go to one hundred

1139
01:32:26.439 --> 01:32:31.640
twenty five percent of value. So
keep that in mind. There are people,

1140
01:32:31.880 --> 01:32:36.840
by the way, that are way
more upside down on a car than

1141
01:32:36.920 --> 01:32:43.479
one hundred and twenty five percent,
and that's because they got involved in that

1142
01:32:43.680 --> 01:32:48.199
negative equity snowball. Now, negative
equity snowball, what is that? Well,

1143
01:32:48.359 --> 01:32:53.960
it's the number one reason young people
have terrible credit and many young people

1144
01:32:53.960 --> 01:32:58.560
go bankrupt. You start out with
a car, and you paid a little

1145
01:32:58.600 --> 01:33:00.720
too much for it. You don't
keep it, you don't pay it off,

1146
01:33:00.960 --> 01:33:04.239
you didn't pay cash for it,
you don't keep it. So now

1147
01:33:04.279 --> 01:33:11.199
you owe let's say sixteen thousand dollars
and it's worth ten. You literally have

1148
01:33:11.279 --> 01:33:15.079
negative equity of six thousand. If
you kept it and paid it off,

1149
01:33:15.720 --> 01:33:19.439
that negative goes away. Obviously you
have to nurture the car and keep it

1150
01:33:20.000 --> 01:33:24.800
and keep it well, but you
don't. So now you trade it in.

1151
01:33:25.199 --> 01:33:29.319
Not only now are you trading it
in on a car and probably paying

1152
01:33:29.319 --> 01:33:32.119
a little too much on that car
as well. But now you're taking the

1153
01:33:32.279 --> 01:33:36.720
negative from that six grand and putting
it into your new loan. So now

1154
01:33:36.760 --> 01:33:41.920
you're doubly in bad shape because as
soon as you drive off the lot with

1155
01:33:42.000 --> 01:33:45.960
the next car, let's say you're
eight thousand dollars under six plus two,

1156
01:33:45.640 --> 01:33:48.560
and then that gets even worse.
It can get up to nine or ten.

1157
01:33:48.920 --> 01:33:54.399
We've had this happen where kids will
be ten thousand dollars under and still

1158
01:33:54.439 --> 01:33:59.920
did not learn a lesson, so
now they're trading it in on another car,

1159
01:34:00.840 --> 01:34:05.119
and that car now puts them at
twelve or fifteen. We've had people

1160
01:34:05.479 --> 01:34:12.960
who owe who owe nineteen twenty twenty
five, twenty six pran on old pieces

1161
01:34:13.359 --> 01:34:17.600
of garbage. If you get into
an accident, there's not a gap policy

1162
01:34:17.840 --> 01:34:25.680
in the world that is going to
pay for that. Why because it is

1163
01:34:25.800 --> 01:34:30.239
more than one hundred and twenty five
percent of value and it doesn't ensure against

1164
01:34:30.279 --> 01:34:32.680
stupid purchasing. Gabe, you have
a comment on gap insurance. Go ahead,

1165
01:34:32.720 --> 01:34:35.840
Gabe, three h three cents,
Yes, call, I want to

1166
01:34:35.840 --> 01:34:40.840
my credit you he is, and
refinance on car. And now lady is

1167
01:34:40.840 --> 01:34:44.880
telling me that a gap insurance is
coming to an end. Nobody for an

1168
01:34:44.880 --> 01:34:48.079
honor that stuff. Well, you
know what it might be. I don't.

1169
01:34:48.119 --> 01:34:51.640
I've not heard that. Okay,
but it might be. And again,

1170
01:34:51.920 --> 01:34:55.239
Gap insurance, it may not come
to an end, but it's going

1171
01:34:55.319 --> 01:34:59.439
to be quite limited. In fact, I'd like to get Compass on in

1172
01:34:59.479 --> 01:35:03.800
the next if you could, because
I've had since I talked about this,

1173
01:35:03.880 --> 01:35:10.119
i had another text on it about
Gap saying that their gap didn't didn't cover

1174
01:35:10.239 --> 01:35:14.000
anything because the car had gone down
so much in value. That's a good

1175
01:35:14.000 --> 01:35:15.399
one too, so Gabe, thank
you. I'm not sure about that,

1176
01:35:15.439 --> 01:35:23.800
but we'll ask Compass insurance group coming
up if they cover or excuse me,

1177
01:35:23.840 --> 01:35:28.520
if they if you can still buy
Gap insurance. And remember GAP is only

1178
01:35:28.600 --> 01:35:32.760
the one that was around one hundred
and twenty five percent loan to value,

1179
01:35:32.800 --> 01:35:36.600
so it has to be only one
hundred and twenty five percent more. It's

1180
01:35:36.640 --> 01:35:42.800
not going to go unlimited for people
who got caught in the negative snowball.

1181
01:35:42.920 --> 01:35:45.720
Keep that in mind. Three zero
three seven one three talks seven one three

1182
01:35:45.840 --> 01:35:50.199
eight two five five. Frank derand
the real Estate Man dot com will get

1183
01:35:50.239 --> 01:35:54.800
you the price you want on buying
or selling real estate. He is a

1184
01:35:54.880 --> 01:35:59.880
negotiating expert he has the track record
to prove it, and in fact,

1185
01:36:00.239 --> 01:36:02.399
that's one of the things he does. He'll share it all with you with

1186
01:36:02.479 --> 01:36:08.239
your consultation, which is no obligation. He'll go over everything he sold,

1187
01:36:08.279 --> 01:36:11.119
how he sold it, what he's
gotten for it, the bidding wars.

1188
01:36:11.479 --> 01:36:17.399
He's an open book. Three oh
three nine two zero sixteen twenty two.

1189
01:36:20.359 --> 01:36:25.600
Go with a sure thing Denver's Best
Roofer Excel Roofing dot com. You don't

1190
01:36:25.640 --> 01:36:31.600
pay a cent until you're content.
Time for an insurance checkup free, no

1191
01:36:31.680 --> 01:36:38.159
obligation. Comparison call Compass Insurance Paying
too much your coverage at dozens of insurance

1192
01:36:38.199 --> 01:36:41.319
companies find out now three oh three
seven to seven to one. Help.

1193
01:36:41.479 --> 01:36:45.279
You'll think you're his only customer when
you choose Frank durand the real estate Man

1194
01:36:45.319 --> 01:36:48.760
dot com to list your home with
Remax Alliance three oh three nine two zero

1195
01:36:48.920 --> 01:36:59.319
sixteen twenty two. Hi, Tom
Martino, your troubleshooter three o three seven

1196
01:36:59.399 --> 01:37:01.960
one three seven three two five to
five. So you got to take off

1197
01:37:02.600 --> 01:37:06.880
Brendan, so we'll be saying goodbye
to you Denver Shades dot co. And

1198
01:37:08.399 --> 01:37:13.760
uh, what is the busy season? When it comes to window coverings.

1199
01:37:14.359 --> 01:37:16.960
Is it now? Is it summer? Is it year round? What is

1200
01:37:16.960 --> 01:37:20.159
there a busy season for window covering? I would say when we start getting

1201
01:37:20.319 --> 01:37:26.119
close to March and the spring,
and when is the best time for sales?

1202
01:37:26.920 --> 01:37:30.119
Every industry has its best time for
sales. What about window covers?

1203
01:37:30.720 --> 01:37:35.279
Uh, when kids are not in
school, like or you know when like

1204
01:37:35.359 --> 01:37:41.079
summertime. Yeah, exactly when the
summer comes, it's it slows down right

1205
01:37:41.159 --> 01:37:44.399
towards the end when kids are about
to go back to school because parents are

1206
01:37:44.399 --> 01:37:46.840
getting that last vacation and so you
can get their free holiday. Is good.

1207
01:37:47.439 --> 01:37:50.840
Yeah, and then springtime is really
good because that's when they do a

1208
01:37:50.880 --> 01:37:56.479
lot of promotions like free cordless left
and so you have promotions coming up.

1209
01:37:57.000 --> 01:38:00.600
Okay, Denver Shades dot Co.
You can find out more Denver Shades dot

1210
01:38:00.640 --> 01:38:04.840
Co. All right, thank you, thank you. Three three seven one

1211
01:38:04.880 --> 01:38:09.920
three talk seven one three eight two
five to five. Now here's a word

1212
01:38:10.039 --> 01:38:16.319
on payment methods. In this email, a guy says that he went online

1213
01:38:16.880 --> 01:38:24.720
and paid a bill for his daughter
and filled out his credit card. That

1214
01:38:24.880 --> 01:38:29.399
was three years ago. Now listen
to this. So three years ago,

1215
01:38:30.079 --> 01:38:38.199
he goes online and pays a bill
for his daughter on one of the satellite

1216
01:38:38.359 --> 01:38:46.079
services, and three years later she
is seriously delinquent on I think it's direct

1217
01:38:46.079 --> 01:38:55.560
TV bill. They went into the
account and since her payment method had expired,

1218
01:38:56.000 --> 01:38:59.840
they went to his payment method that
he had paid. It was still

1219
01:38:59.840 --> 01:39:04.119
on there and it wasn't the default
payment method, but it was never removed,

1220
01:39:05.079 --> 01:39:10.439
and they used his information to make
her current payment that was behind,

1221
01:39:10.479 --> 01:39:13.359
well not a current payment, but
her payment that had lapsed. Right,

1222
01:39:14.279 --> 01:39:17.439
So he all of a sudden sees
on his credit card there's like four hundred

1223
01:39:17.439 --> 01:39:21.600
and thirty bucks paid. He says, wait a minute, I paid for

1224
01:39:21.640 --> 01:39:27.159
her three years ago. What's this? He calls up and they say,

1225
01:39:27.279 --> 01:39:31.119
by the way, when you went
in there, there was a disclaimer that

1226
01:39:31.159 --> 01:39:34.640
says when you enter payment information,
it can be used for any payment,

1227
01:39:35.680 --> 01:39:40.640
and it can be used for any
payment in the past or in the future,

1228
01:39:41.640 --> 01:39:46.239
and especially if no other payment method
is available. So when the daughter's

1229
01:39:47.479 --> 01:39:54.199
credit card went bad or not bad
but expired, or she got a new

1230
01:39:54.199 --> 01:39:58.319
one or something, you know how
it changes. It changes the code or

1231
01:39:58.560 --> 01:40:02.960
maybe the expiration date, whatever it
was, they went in and used his

1232
01:40:03.119 --> 01:40:06.239
payment method. So now here's what
I want to tell you this is what

1233
01:40:06.279 --> 01:40:13.039
we need to learn. If you
are making payments online for anything and there

1234
01:40:13.079 --> 01:40:19.640
are multiple payment methods on there,
make sure you remove the methods you do

1235
01:40:19.720 --> 01:40:25.319
not want used, especially if you're
paying for someone else, because if you

1236
01:40:25.439 --> 01:40:30.800
pay for someone else, you are
opening the door to be charged in the

1237
01:40:30.840 --> 01:40:35.399
future, and that is a bad
deal because you could end up like he

1238
01:40:35.439 --> 01:40:39.439
did with a bill for like four
hundred some bucks. So what he had

1239
01:40:39.479 --> 01:40:42.560
to do was go protest it with
his cards that I didn't authorize it,

1240
01:40:42.960 --> 01:40:47.479
and now it's in dispute, but
kind of he did authorize it when he'd

1241
01:40:47.640 --> 01:40:50.880
entered it. And that's what you
have to understand. When you enter a

1242
01:40:50.960 --> 01:40:57.880
payment method, you're authorizing it right
then. Sometimes even now, they don't

1243
01:40:57.880 --> 01:41:00.079
do this all the time, but
sometimes they'll put through a small charge and

1244
01:41:00.159 --> 01:41:05.880
a credit to make sure it's working, or they'll authenticate the card. But

1245
01:41:06.000 --> 01:41:11.399
once it's authenticated and it's a payment
method, even if it's not the default

1246
01:41:11.399 --> 01:41:15.680
payment method, it could be used
against you in the future. Here's another

1247
01:41:15.720 --> 01:41:18.920
thing, and I can get a
little more into it. But to prevent

1248
01:41:19.000 --> 01:41:27.600
flooding, this person never dreamed that
they would have a flood because they were

1249
01:41:27.880 --> 01:41:32.479
simply going to change out something where
they needed to turn off their water.

1250
01:41:33.319 --> 01:41:38.079
It was a faucet. They were
going to do it themselves, a really

1251
01:41:38.119 --> 01:41:41.560
easy job, and we're just going
to turn off the water. And they

1252
01:41:41.560 --> 01:41:45.279
didn't have a turnoff valve at the
faucet, so they're going to put one

1253
01:41:45.319 --> 01:41:47.600
of those in. At the same
time, when he went to turn off

1254
01:41:47.600 --> 01:41:54.560
his water, the valve broke because
it was an older home and the valve

1255
01:41:54.640 --> 01:41:58.039
had never been exercised. Now you
might think, what the hell is he

1256
01:41:58.119 --> 01:42:00.720
talking about. Well, I'm going
to tell you something. This is this

1257
01:42:00.760 --> 01:42:05.199
is valuable information that can save you
a crap load of money. If you

1258
01:42:05.399 --> 01:42:11.680
have valves in your home that have
not been used or as they say,

1259
01:42:11.880 --> 01:42:17.840
exercised in years, they could be
corroded, they could be stiff, they

1260
01:42:17.880 --> 01:42:23.079
could be on their last leg and
you don't even know it. So do

1261
01:42:23.239 --> 01:42:27.520
yourself a favor and I'm going to
save a ton of people some trouble right

1262
01:42:27.560 --> 01:42:30.479
now. First of all, on
the main water valve, go with a

1263
01:42:30.520 --> 01:42:35.359
sure thing Denver's Best roofer excelroofing dot
com. You don't pay a cent until

1264
01:42:35.399 --> 01:42:43.560
you're content. Time for an insurance
checkup free no obligation. In comparison,

1265
01:42:43.720 --> 01:42:47.800
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

1266
01:42:47.840 --> 01:42:50.920
now three all three seven to seven
to one help. You'll think you're his

1267
01:42:51.079 --> 01:42:56.079
only customer when you choose Frank durand
the real estate man dot com to list

1268
01:42:56.119 --> 01:43:05.479
your home with Remax Alliance three A
three nine two zero sixteen twenty two ripped

1269
01:43:05.600 --> 01:43:15.000
up new need advice? Who you
don't have? You come running just as

1270
01:43:15.039 --> 01:43:21.600
fast as you can. Shooter's gonna
help coming. Man Dix is the Troubleshooter

1271
01:43:21.720 --> 01:43:28.800
Show. No Tom Martino, Hi, I'm Tom Martino. If you have

1272
01:43:29.000 --> 01:43:30.439
been lied to, cheated, or
ripped off and need some help, give

1273
01:43:30.520 --> 01:43:34.560
us a call at three oh three
seven one three talk three oh three seven

1274
01:43:34.640 --> 01:43:39.840
one three eight two five five here
to help you solve problems, to answer

1275
01:43:39.960 --> 01:43:43.760
questions, and to take complaints.
So all you have to do is call.

1276
01:43:44.119 --> 01:43:48.880
And the important thing is not to
wait too long. And in fact,

1277
01:43:49.199 --> 01:43:54.760
if I had to sum up why
consumer complaints don't get resolved, there

1278
01:43:54.760 --> 01:44:00.119
are some very common factors. I'm
gonna quiz Mark, what do you think

1279
01:44:00.720 --> 01:44:04.479
the most common reason they pay money
upfront? Man? Oh? No,

1280
01:44:04.479 --> 01:44:08.399
no, not the most common I'm
talking about, why do you think when

1281
01:44:08.399 --> 01:44:12.880
somebody complains? I'm just curious if
you if you've cataloged it, I know

1282
01:44:12.920 --> 01:44:15.680
you know it. But when people
call us, what's what do you think

1283
01:44:15.840 --> 01:44:18.840
the reason is their complaints aren't heard? What do you think? I mean,

1284
01:44:19.239 --> 01:44:24.359
there's no right answer. What do
you think I'm not understanding the question.

1285
01:44:24.439 --> 01:44:29.039
Okay, people often complain to us
because they have nowhere else to go.

1286
01:44:29.159 --> 01:44:30.720
They sat called everyone and I did
this, I did that, and

1287
01:44:30.760 --> 01:44:35.119
no one's listening. So I'm gonna
tell you the number one what's that mark?

1288
01:44:35.840 --> 01:44:40.680
Lack of communication? Oh yeah,
well, okay, that that could

1289
01:44:40.680 --> 01:44:43.159
be summed up that way. And
here's the bottom line. Here's what I

1290
01:44:43.159 --> 01:44:46.600
have found. And this is like
years and years, like forty five years.

1291
01:44:46.640 --> 01:44:54.159
Here's what's happening. People don't know
what their complaint is. Many times

1292
01:44:54.159 --> 01:44:59.680
they don't ask for a resolution,
they don't even they don't capsualize it.

1293
01:44:59.720 --> 01:45:01.520
Now, this is really important.
On the radio show, I don't care,

1294
01:45:02.000 --> 01:45:05.279
even though I joke about people going
on and on and on, and

1295
01:45:05.640 --> 01:45:09.640
people talk to me about you know, why do you interrupt? And you

1296
01:45:09.680 --> 01:45:12.000
know people want to tell a story, right, I don't mind that on

1297
01:45:12.119 --> 01:45:15.119
radio. It's entertaining. You call
with a problem, and you want to

1298
01:45:15.159 --> 01:45:17.479
tell me from the beginning, Well, you know what, I got an

1299
01:45:17.560 --> 01:45:20.279
accident, I needed a car,
I did this, I did that.

1300
01:45:20.560 --> 01:45:26.279
Here's the thing, what a lot
of people don't understand is when you call

1301
01:45:26.319 --> 01:45:30.680
a company, or an employee of
a company, or a spokesperson for a

1302
01:45:30.720 --> 01:45:33.439
company, or the attorney for a
company, when you are calling with a

1303
01:45:33.479 --> 01:45:41.279
complaint, they don't want to hear
the story. They don't want to hear

1304
01:45:41.399 --> 01:45:45.159
from the time I walked in the
place I knew there was something wrong,

1305
01:45:45.560 --> 01:45:49.520
they don't want to hear it.
And many times people don't respond to you

1306
01:45:49.960 --> 01:45:57.159
because they don't know what to respond
to. It's honest to God, that's

1307
01:45:57.199 --> 01:46:03.439
simple. So what Mark calls a
lack of communication is your lack of knowing

1308
01:46:04.239 --> 01:46:09.840
how to tell him your problem without
all the other stuff, all the other

1309
01:46:09.880 --> 01:46:15.159
nonsense. There's no reason when you
complain to give them all the background.

1310
01:46:15.439 --> 01:46:23.600
You go right to the problem and
what you want to satisfy it. You

1311
01:46:23.640 --> 01:46:28.800
know, after several attempts to my
refrigerator, ice maker is still not making

1312
01:46:28.840 --> 01:46:33.520
ice properly. I truly want a
new unit. I think I deserve it.

1313
01:46:35.239 --> 01:46:42.319
You know what that problem right there
is for some people a thirty minute

1314
01:46:42.359 --> 01:46:47.199
story. I had a guy get
in touch with me on Instagram and say

1315
01:46:47.399 --> 01:46:50.800
he had a story, but he
wouldn't come on the show unless I gave

1316
01:46:50.840 --> 01:46:56.319
him an hour, And I said, sir, I guarantee you there is

1317
01:46:56.359 --> 01:47:00.079
no problem in the universe that would
take one hour to explain. Ever,

1318
01:47:00.760 --> 01:47:03.439
now think about it. One hour. I mean that he meant an hour

1319
01:47:04.079 --> 01:47:11.279
sixty minutes of talking would never happen. So when you complain and don't put

1320
01:47:11.279 --> 01:47:14.840
it in a sentence, people tune
you out. It's not that they don't

1321
01:47:14.880 --> 01:47:17.319
want to help you. And another
thing, you complain about things that were

1322
01:47:17.359 --> 01:47:24.239
in the past that can't be remedied, and people are overwhelmed. Do I

1323
01:47:24.279 --> 01:47:26.640
go back and try to fix the
past? Do I try to fix the

1324
01:47:26.640 --> 01:47:29.319
future? Do I figure out what's
wrong? Now? What do I do?

1325
01:47:29.640 --> 01:47:31.880
And you don't make it any easier
for them because you're not putting a

1326
01:47:32.039 --> 01:47:35.960
handle on it. You've got to
crystallize and summarize the problem, put a

1327
01:47:36.000 --> 01:47:40.880
handle on it that they can hold
and do something about. It's that simple.

1328
01:47:41.399 --> 01:47:45.000
So when people say, well I
called everybody, nobody knew what to

1329
01:47:45.039 --> 01:47:48.560
do. Another thing that when it
comes to attorneys, I can't When people

1330
01:47:48.600 --> 01:47:53.239
say I can't find an attorney to
take the case, what's that code for?

1331
01:47:53.800 --> 01:47:56.760
What is that code for? Nobody
goes for I don't have a case,

1332
01:47:57.279 --> 01:48:00.560
because any attorney will take a good
case. It's presented to them any

1333
01:48:00.600 --> 01:48:04.760
attorney. Now, if you want
an attorney on contingency, that's a different

1334
01:48:04.800 --> 01:48:11.399
story. They want to make sure
that in their award eventually there's going to

1335
01:48:11.479 --> 01:48:15.000
be enough money for their share,
enough money to pay for all the time

1336
01:48:15.039 --> 01:48:18.319
that they're putting in, the expert
witnesses and all the evidence they have to

1337
01:48:18.359 --> 01:48:25.199
gather. Now we are uh oh. We had a call in to Compass.

1338
01:48:25.199 --> 01:48:27.600
They're not there right now. I
really wanted to talk to them about

1339
01:48:27.600 --> 01:48:31.640
gap insurance. Somebody said gap insurance
is going away. There's no one available,

1340
01:48:31.960 --> 01:48:35.079
Kelly. They said, no one
at Compass, no one. Everybody

1341
01:48:35.159 --> 01:48:40.439
is on a training seminar today.
Oh okay, all right, then maybe

1342
01:48:40.520 --> 01:48:45.399
we talk about it tomorrow. Because
somebody said gap insurance is going away.

1343
01:48:45.479 --> 01:48:47.359
I've never heard of that. And
by the way, if you're just tuning

1344
01:48:47.399 --> 01:48:51.680
in, gap insurance is something that
pays, I can definitely get them tomorrow.

1345
01:48:51.680 --> 01:48:55.600
They said they were available. Then
if you want me to set it

1346
01:48:55.680 --> 01:48:59.039
up. If you're in an accident
and there's not enough to pay off the

1347
01:48:59.079 --> 01:49:01.680
loan gap, insurance pays the difference, not all the time, it just

1348
01:49:01.720 --> 01:49:06.399
goes to a certain amount, like
one hundred and twenty five percent. So

1349
01:49:08.159 --> 01:49:13.760
if you have a problem with complaining, many times it's because they don't know

1350
01:49:13.800 --> 01:49:17.760
what to complain about. Now here's
another thing that came up in this email.

1351
01:49:18.119 --> 01:49:23.000
This is a good one. And
how many times have we heard this.

1352
01:49:23.800 --> 01:49:28.399
Somebody ordered something and they had a
company that was going to ship it.

1353
01:49:29.359 --> 01:49:32.439
So here's a quiz. You have
the company you bought it from and

1354
01:49:32.479 --> 01:49:38.520
the company shipping it, and then
you don't get it or it's damaged.

1355
01:49:39.680 --> 01:49:45.600
The company that sold it to you
said, it's not our problem because it's

1356
01:49:45.680 --> 01:49:50.359
not ours, it's yours. You
bought it the shipper. Once the shipper

1357
01:49:50.439 --> 01:49:56.039
took it, it belongs to you, and you say, wait a minute,

1358
01:49:56.479 --> 01:50:00.439
it doesn't belong to me yet.
It doesn't belong to me until I

1359
01:50:00.479 --> 01:50:02.760
get it. So when does it
belong to you? Does it belong to

1360
01:50:02.800 --> 01:50:09.199
you when the shipper takes it from
the warehouse or it takes it from the

1361
01:50:09.239 --> 01:50:15.119
retailer. Whoever, is it yours? Is it now your responsibility for your

1362
01:50:15.159 --> 01:50:20.560
insurance and you to take over or
do they not get off the hook?

1363
01:50:20.840 --> 01:50:26.000
Do they still own it until it's
at your door? What do you think?

1364
01:50:27.439 --> 01:50:32.199
Like with Amazon, it's pretty easy
with Amazon, that package becomes yours

1365
01:50:32.199 --> 01:50:40.439
when it's delivered with other people.
If you bought a car, for example,

1366
01:50:40.600 --> 01:50:44.079
is that car yours when a transporter
picks it up. Yeah, you

1367
01:50:44.079 --> 01:50:47.319
should have it insured with a car
and that transporter picks it up. That

1368
01:50:47.359 --> 01:50:53.960
transporter is working for you. If
they're transporting it to you and it gets

1369
01:50:54.000 --> 01:50:58.399
to you and you need to sign
for it there, then it doesn't belong

1370
01:50:58.479 --> 01:51:00.760
to you until it gets to you. It's a fine line, but you

1371
01:51:01.680 --> 01:51:08.319
better well know because your insurance,
your shipper's insurance or whatever may not cover

1372
01:51:08.439 --> 01:51:11.439
you when you think you're covered.
In this case, a person, I'm

1373
01:51:11.479 --> 01:51:15.279
trying to find the email. A
person bought something. It was a piece

1374
01:51:15.319 --> 01:51:20.920
of equipment, industrial equipment, and
they were buying it from this supplier.

1375
01:51:21.439 --> 01:51:26.920
This supplier said, you paid for
it. We sent you the paperwork,

1376
01:51:27.680 --> 01:51:31.239
so you have the ownership documents.
The shipper came who by the way the

1377
01:51:31.439 --> 01:51:36.880
seller arranged for. But they claimed
the shipper is working for you, so

1378
01:51:38.720 --> 01:51:44.359
that is yours right there in North
Carolina where you bought it. It doesn't

1379
01:51:44.399 --> 01:51:48.039
have to get to Denver to be
yours. Anything that happens after it's given

1380
01:51:48.079 --> 01:51:53.560
to you, that is your problem. But then what if it wasn't operating

1381
01:51:53.600 --> 01:51:57.960
properly or there's something wrong with it. They also claim you had a right

1382
01:51:58.000 --> 01:52:01.000
to inspect it, but when not
when you get it in Denver? They

1383
01:52:01.039 --> 01:52:08.439
claim since you owned it where they
sold it and your shipper came, that

1384
01:52:08.720 --> 01:52:13.800
is where it should have been inspected. So make sure, man, I'm

1385
01:52:13.840 --> 01:52:16.000
telling you more and more people are
doing these remote buying and selling. You

1386
01:52:16.039 --> 01:52:25.039
better make damn well sure you know
when you own it. That's critical when

1387
01:52:25.079 --> 01:52:28.840
you own it, because you need
to inspect it before you own it,

1388
01:52:29.159 --> 01:52:32.119
and if anything happens before you own
it, it's their responsibility. Now,

1389
01:52:32.439 --> 01:52:38.439
there are times you own it here, there are times you own it there.

1390
01:52:39.000 --> 01:52:42.560
I'm Tom Martinez three oh three seven
to one three talks seven one three

1391
01:52:42.640 --> 01:52:50.920
eight two five five Go with a
sure thing Denver's Best Roofer Excel roofing dot

1392
01:52:50.960 --> 01:52:58.640
com. You don't pay a cent
until you're content. Time for an insurance

1393
01:52:58.720 --> 01:53:03.199
check up free no obligate comparison call
Compass Insurance paying too much your coverage at

1394
01:53:03.239 --> 01:53:08.279
dozens of insurance companies find out now
three all three seven seven to one help.

1395
01:53:08.439 --> 01:53:12.039
You'll think you're his only customer when
you choose Frank durand the real estate

1396
01:53:12.079 --> 01:53:15.479
man dot com to list your home
with Remax Alliance three all three nine two

1397
01:53:15.560 --> 01:53:23.439
zero sixteen twenty two. I'm Tom
Martino here three oh three seven one three

1398
01:53:23.520 --> 01:53:28.000
talk three oh three seven one three
eight two five five. I want to

1399
01:53:28.279 --> 01:53:32.800
talk to Jarison Art right now.
Hanson at Jaris Are you there, sir?

1400
01:53:33.640 --> 01:53:36.239
I am Tom. Let's talk.
I'm doing good. I want to

1401
01:53:36.279 --> 01:53:41.159
talk about the retirement summit, specifically
because I did it. I did have

1402
01:53:41.199 --> 01:53:48.119
some questions and people always do now
when we talk about creating uh income,

1403
01:53:49.760 --> 01:53:54.399
When we talk about creating income,
so many people are talking about creating income,

1404
01:53:54.800 --> 01:53:58.399
and I just want to I want
to straight out ask our annuities.

1405
01:53:58.520 --> 01:54:01.880
When is that code where for annuities? Whenever people, and I don't mean

1406
01:54:01.960 --> 01:54:05.039
just you guys, but everyone in
the industry, when you talk about creating

1407
01:54:05.119 --> 01:54:12.600
income and retirement, is that a
code word for annuities a lot of time.

1408
01:54:12.640 --> 01:54:16.079
It will it is Tom. I'm
not saying that's the only answer for

1409
01:54:16.159 --> 01:54:19.600
people to generate income, but it's
pretty popular one. And I'll tell you

1410
01:54:19.640 --> 01:54:24.359
this, I don't know how many
of your listeners have dent to retirement planning

1411
01:54:24.479 --> 01:54:29.800
or annuity seminars in the past,
but most of those seminars that people go

1412
01:54:29.880 --> 01:54:31.000
to, that's the only thing they're
gonna hear. They're gonna hear their sales

1413
01:54:31.039 --> 01:54:35.680
pitch for annuities and that the annuity
is a tool, but it's got to

1414
01:54:35.680 --> 01:54:41.760
be considered in context of an entire
retirement plan. And if you can do

1415
01:54:41.800 --> 01:54:44.399
it that way, then you can
use it properly if it's appropriate, and

1416
01:54:44.399 --> 01:54:45.800
if it's not, then there might
be some other tools that we would use

1417
01:54:45.800 --> 01:54:48.720
instead. And so that's what the
summit's going to be about, is is

1418
01:54:48.760 --> 01:54:54.920
helping people understand beyond just the products
that might be available, how do you

1419
01:54:54.960 --> 01:54:58.319
integrate it into an overall plan that's
really going to make a difference for somebody

1420
01:54:58.319 --> 01:55:02.119
long term. A big time topic
that a lot of people are discussing nowadays

1421
01:55:02.800 --> 01:55:08.880
is converting money that's already qualified.
And this is what I don't understand is

1422
01:55:09.000 --> 01:55:15.720
taking money that's qualified and turning it
to a a wroth, so you actually

1423
01:55:15.760 --> 01:55:17.520
pay tax on it and then put
it into a wroth. How does that

1424
01:55:17.600 --> 01:55:21.199
work? Yeah, in order to
do a roth conversion, you pay tax

1425
01:55:21.239 --> 01:55:26.880
as it comes out of the qualified
plan. So and yeah, then it

1426
01:55:26.920 --> 01:55:30.159
becomes tax free growth or tax free. And if you want to convert it

1427
01:55:30.199 --> 01:55:34.399
to some cause, is that because
people are anticipating they don't want to pay

1428
01:55:34.439 --> 01:55:40.399
taxes in the future. Is that
what they're trying to do precisely? Yep.

1429
01:55:41.359 --> 01:55:44.560
If I, if I, if
I've got a big retirement account balance,

1430
01:55:44.560 --> 01:55:46.399
and I know that at age seventy
three or seventy five, depending on

1431
01:55:46.399 --> 01:55:49.079
when I'm born, I'm going to
have to start making withdraws from that scene

1432
01:55:49.960 --> 01:55:55.760
by force because the IRS has requirementum
distribution rules. I might want to go

1433
01:55:55.800 --> 01:55:59.760
get some money out of that account
now to forestall the giant TAXI I'm going

1434
01:55:59.800 --> 01:56:01.000
to have later on. If I've
got some time, I can go move

1435
01:56:01.039 --> 01:56:06.039
it out, put into a roth
or something else. When you take required

1436
01:56:06.239 --> 01:56:13.119
minimum distributions, And for those listening, that's a really important thing eventually,

1437
01:56:13.880 --> 01:56:17.560
even if you don't want to use
it, even if you have social security

1438
01:56:17.600 --> 01:56:21.319
and you want to save that if
you have a certain amount of money,

1439
01:56:21.439 --> 01:56:26.720
not a certain if you have money
in retirement at all, at seventy two

1440
01:56:26.800 --> 01:56:30.199
or seventy three, you're going to
have to start taking some out. And

1441
01:56:30.239 --> 01:56:32.159
then when you take it out,
you're going to pay taxes, not penalties,

1442
01:56:32.199 --> 01:56:36.960
but taxes. Now, if you
have a WROTH, is that included

1443
01:56:38.079 --> 01:56:43.239
in the minimum distribution? Nope?
Nope. Roth is exempt from the minimum

1444
01:56:43.239 --> 01:56:45.600
distribution requirement. So you can just
let that thing sit and grow and withdraw

1445
01:56:45.720 --> 01:56:49.520
we need to. So if you
want to bite the bullet on a certain

1446
01:56:49.560 --> 01:56:56.640
amount of money now and gradually each
year convert it, could you end up

1447
01:56:56.720 --> 01:57:00.840
with very little to worry about in
the future. I mean, if you're

1448
01:57:00.880 --> 01:57:03.199
anticipating and like everyone does, tax
rates, you're just going to keep going

1449
01:57:03.279 --> 01:57:06.960
up and up and up. Is
that why people are doing the conversions now?

1450
01:57:09.720 --> 01:57:14.159
Yes? Absolutely, If if if
you think that you're going to have

1451
01:57:14.159 --> 01:57:18.880
a tax issue later on, particularly
in regards to the like the the federal

1452
01:57:19.039 --> 01:57:23.560
deficit and death that's going on right
now, Like Congress can't keep the way

1453
01:57:23.600 --> 01:57:27.560
that things are going on like this
forever, and it's inevitable that somehow they're

1454
01:57:27.600 --> 01:57:30.079
going to figure out a way that
they're going to have to raise revenue for

1455
01:57:30.119 --> 01:57:32.720
the government, which means taxes.
So if you think the taxes are going

1456
01:57:32.760 --> 01:57:36.000
to go up or even stay the
same, it may make sense to go

1457
01:57:36.079 --> 01:57:40.319
get some of that out of the
out of the IRA or out of the

1458
01:57:40.319 --> 01:57:43.319
four O one K ahead of time
so we can have a lower tax bill

1459
01:57:43.399 --> 01:57:45.079
later on. And that's one of
the things that we can help folks do.

1460
01:57:45.479 --> 01:57:48.800
We'll talk about this a little bit
at our at our Retirement Freedom Summit

1461
01:57:48.840 --> 01:57:54.000
on Thursday, but we can talk
about how to plan those so that you

1462
01:57:54.039 --> 01:57:57.760
don't cost too much tax. Now, let's get you, you know,

1463
01:57:57.840 --> 01:58:00.479
some of that income out and spread
it out over time so you got your

1464
01:58:00.479 --> 01:58:02.399
pain a little bit each year rather
than a huge, big chunk all at

1465
01:58:02.399 --> 01:58:05.039
once, or a big tax bill
later on if you just ignore it.

1466
01:58:05.359 --> 01:58:10.199
But isn't always the assumption in the
in the old days, the assumption was

1467
01:58:10.239 --> 01:58:14.920
always that as you get older,
you're being making less, so that's why

1468
01:58:15.039 --> 01:58:18.640
you don't mind paying tax. Then
theoretically, yeah, that is the assumption.

1469
01:58:18.960 --> 01:58:24.439
Here's the problem, though, if
you've been a relatively successful individual and

1470
01:58:24.479 --> 01:58:27.800
you've got a you know, I've
ran into lots and lots of clients of

1471
01:58:27.800 --> 01:58:30.359
ours. You have a million,
two million dollars in an ir or of

1472
01:58:30.439 --> 01:58:34.640
four lan K account that's going to
generate thirty forty fifty sixty thousand dollars of

1473
01:58:34.640 --> 01:58:40.039
income per year that's taxable when you're
retired. And you take that and add

1474
01:58:40.039 --> 01:58:42.039
it on top of other forms of
income, you have, all of a

1475
01:58:42.079 --> 01:58:45.199
sudden you're in a really high tax
bracket, even though you don't need that

1476
01:58:45.319 --> 01:58:47.960
much to live on. So it's
the income streams that determine your tax brack

1477
01:58:48.000 --> 01:58:51.960
and not what your living expenses are, which might be lower. The chances

1478
01:58:53.000 --> 01:58:55.880
are if you've been a successful person, you're in a pretty high income high

1479
01:58:55.920 --> 01:58:59.840
tax. Another thing I think people
don't understand, and I want to get

1480
01:58:59.840 --> 01:59:03.880
this clear survivor benefits. A husband
thinks, well, my wife will gets

1481
01:59:03.880 --> 01:59:08.840
survivor benefits or the husband things they'll
get survivor Can you, and I know

1482
01:59:08.880 --> 01:59:12.199
you're going to go over this extensively, but can you explain in a nutshell

1483
01:59:12.479 --> 01:59:15.800
survivor benefits and how to use them? Yeah? Tom, are you talking

1484
01:59:15.800 --> 01:59:19.920
about survivor benefits with Social Security?
Yes? Thank yeah? Yeah? So

1485
01:59:20.279 --> 01:59:24.439
yeah, so with social Security,
the way the survivor benefits. Work is,

1486
01:59:24.479 --> 01:59:28.279
if you've got a husband and a
wife who are both collecting Social Security,

1487
01:59:28.680 --> 01:59:30.000
chances are one of those is going
to be higher than the other.

1488
01:59:30.159 --> 01:59:32.399
And I don't know which one it
is. Let's just say it's the wife

1489
01:59:32.439 --> 01:59:35.000
that's higher than the husbands. How
about that, right? Right? Whatever,

1490
01:59:35.640 --> 01:59:40.239
as soon as either one of the
spouses passes away, the lower of

1491
01:59:40.279 --> 01:59:44.159
the two benefits goes away, and
the higher benefits stays with the surviving spouse.

1492
01:59:44.479 --> 01:59:47.479
So regardless of who's is, who's
the bigger benefit stays, the lower

1493
01:59:47.479 --> 01:59:53.279
ones wiped out. Surviving spouse has
one social Security benefit coming in whichever's higher.

1494
01:59:53.319 --> 01:59:57.199
The other one doesn't exist anymore.
Okay, so that's the way it's

1495
01:59:57.279 --> 02:00:05.520
And also again social Security goes to
your highest earning years or your most recent

1496
02:00:05.560 --> 02:00:10.920
People are confused about that. Yep, it goes to your highest earning years.

1497
02:00:10.960 --> 02:00:15.520
And what social Security does is they
take they take your entire earnings history

1498
02:00:15.560 --> 02:00:18.920
ever since you started working, and
they index it all according to inflation,

1499
02:00:19.399 --> 02:00:24.520
so it's equal on equal footing according
to today's dollars. And then they'll take

1500
02:00:24.600 --> 02:00:28.119
thirty five highest from that list.
So you know, maybe you only made

1501
02:00:28.119 --> 02:00:30.239
twenty thousand dollars in nineteen seventy,
but that could be the equivalent of it

1502
02:00:30.319 --> 02:00:33.239
not making this up, but it
equivalent of a sixty thousand a day.

1503
02:00:33.840 --> 02:00:36.600
So if that's one of your thirty
five highest years, they're going to use

1504
02:00:36.640 --> 02:00:41.359
that year. It doesn't have to
be sequential. And if you've only worked

1505
02:00:41.399 --> 02:00:44.800
let's say twenty five years, not
thirty five years, then there's going to

1506
02:00:44.840 --> 02:00:47.600
be twenty five years worth of earnings
plus ten zeros that go into that calculator.

1507
02:00:47.600 --> 02:00:51.880
Oh so that's why people get dinged
a lot when they retired early.

1508
02:00:53.840 --> 02:00:57.319
Yep, sometimes it is if they
don't have enough, you know, years

1509
02:00:57.319 --> 02:01:00.560
of earnings. It takes thirty five
and once you get once you it's thirty

1510
02:01:00.600 --> 02:01:02.600
five. The only way you can
increase is if you have a year where

1511
02:01:02.640 --> 02:01:06.319
you earn more than your lowest of
the thirty five. Yeah. I mean,

1512
02:01:06.560 --> 02:01:11.119
if you made a boatload of money
and then took some years off,

1513
02:01:11.159 --> 02:01:15.159
that's different. But if you average
out normal salary and you didn't work a

1514
02:01:15.159 --> 02:01:17.760
lot, you have a big problem. And I mean that's just the way

1515
02:01:17.800 --> 02:01:24.520
it is. There is no such
thing as income for people that didn't work.

1516
02:01:24.560 --> 02:01:27.760
I mean, what happens to people
that didn't work enough for social security?

1517
02:01:27.760 --> 02:01:31.079
Do they just have to suffer through
it? Yeah? Yep, Okay,

1518
02:01:31.359 --> 02:01:33.520
we try and see if there's other
things we can do to help them

1519
02:01:33.520 --> 02:01:36.399
out, but usually it's just a
matter of going and finding a job,

1520
02:01:36.439 --> 02:01:41.359
getting some more socicurity built up.
One other thing I've always talked about,

1521
02:01:41.399 --> 02:01:45.520
and this is important for retirement,
because there's no magic in retirement. Okay,

1522
02:01:45.720 --> 02:01:47.840
if you have a high burn rate, so to speak, you may

1523
02:01:47.880 --> 02:01:51.560
have to cut back on spending.
I mean, people want to know I

1524
02:01:51.640 --> 02:01:55.880
can't make the same amount of money, so what can I look forward to?

1525
02:01:55.920 --> 02:01:59.000
I mean, what do people usually
do in retirement? Fifty percent of

1526
02:01:59.000 --> 02:02:02.000
their income? Percent of their income? What do they normally do? I

1527
02:02:02.039 --> 02:02:08.600
mean, if you look at the
average person, an average person, I'll

1528
02:02:08.600 --> 02:02:12.119
tell you this, an average person
that we meet with. Give me do

1529
02:02:12.199 --> 02:02:15.039
it right? Yeah? If you
do it right? Yeah, we're talking

1530
02:02:15.119 --> 02:02:16.960
people that have that have spent you
know, a lot of years working,

1531
02:02:17.039 --> 02:02:21.359
have earned reasonably good salaries, and
maybe have half a million to two or

1532
02:02:21.359 --> 02:02:26.119
three or more million dollars saved up. The average person in that range usually

1533
02:02:26.159 --> 02:02:29.359
spends somewhere in the This is going
to be a wide range, Tom,

1534
02:02:29.359 --> 02:02:32.720
but somewhere between six and twelve thousand
dollars a month, okay, right,

1535
02:02:33.000 --> 02:02:36.359
depending on depending on standard of living, what kind of place they live,

1536
02:02:36.359 --> 02:02:40.039
if they still have a mortgage when
they retire, which some do, so

1537
02:02:40.760 --> 02:02:45.399
you know, that's that's pretty average, and if someone's had an income stream

1538
02:02:45.560 --> 02:02:48.399
to produce that kind of assets,
and more often than not, social Security

1539
02:02:48.439 --> 02:02:51.159
will make up a lot of that. What our job then is going to

1540
02:02:51.199 --> 02:02:56.359
be is to say, okay,
mister and missus Smith, we can cover

1541
02:02:56.439 --> 02:02:58.800
your your income. Let's say you
want eight thousand a month, and we

1542
02:02:58.840 --> 02:03:00.840
can get you five thousand out social
Security. Where are we going to go

1543
02:03:00.840 --> 02:03:04.680
get the other three? Doesn't annuity
make sense in that situation? Or not?

1544
02:03:04.960 --> 02:03:09.119
Should we go find some market based
accounts that can throw off in come

1545
02:03:09.159 --> 02:03:12.399
to fill that gap? And that's
where we come in, and we help

1546
02:03:12.479 --> 02:03:15.720
consult with folks to figure out whether
they want any of that three thousand guaranteed

1547
02:03:16.039 --> 02:03:19.479
or if they're okay with some market
risk, and depending on the answers to

1548
02:03:19.520 --> 02:03:23.720
a series of questions and conversations that
we'll have, will help them figure out

1549
02:03:23.720 --> 02:03:26.640
how to fill the gap, how
to preserve as much as they can for

1550
02:03:26.720 --> 02:03:30.439
the future and just do it in
a tax efficient way where they can be

1551
02:03:30.439 --> 02:03:33.359
comfortable during retirement without having to worry
about where the money is going to come

1552
02:03:33.399 --> 02:03:35.960
from. All right, I appreciate
it. Jaris. I have to let

1553
02:03:36.000 --> 02:03:40.399
you go, and I just want
to put a shout out here so you

1554
02:03:40.439 --> 02:03:45.279
still have the invitation up at rpcenter
dot com for people to get details,

1555
02:03:45.680 --> 02:03:47.720
and it's in thwort in this Thursday. It really is. I said this

1556
02:03:47.800 --> 02:03:50.359
before. This is not a sales
job and you're not going to be preached

1557
02:03:50.399 --> 02:03:54.800
to. There's not a lot of
long lectures. We will go through the

1558
02:03:54.840 --> 02:03:59.479
basics and ask for questions. Y
thank you Tom. All right, so

1559
02:03:59.520 --> 02:04:02.960
that's hard to rpcenter dot com.
This Thursday at six o'clock we got more

1560
02:04:02.960 --> 02:04:13.199
coming up. Go with a sure
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1561
02:04:13.239 --> 02:04:18.800
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content. Time for an insurance check

1562
02:04:18.920 --> 02:04:25.520
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1563
02:04:25.520 --> 02:04:29.199
of insurance companies find out now three
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1564
02:04:29.359 --> 02:04:32.199
You'll think you're his only customer when
you choose Frank durand the real estate man

1565
02:04:32.239 --> 02:04:36.680
dot com to list your home with
Remax Alliance three oh three nine two zero

1566
02:04:36.840 --> 02:04:47.039
sixteen twenty two. I'm Tom Martino
three oh three seven one three talk hey

1567
02:04:47.720 --> 02:04:51.920
seven one three eight two five five
listen. YELP is finally doing something I

1568
02:04:51.920 --> 02:04:57.359
think is a great idea. So
they're analyzing their reviews right now. Did

1569
02:04:57.399 --> 02:05:03.720
you hear about this? They're analyzing
and if there are positive reviews more than

1570
02:05:03.760 --> 02:05:08.640
a certain number, they have an
algorithm. Everyone has an algorithm, right

1571
02:05:08.680 --> 02:05:13.319
But they're using AI to do this. If they see positive reviews coming from

1572
02:05:14.079 --> 02:05:23.119
similar ips, they are flagging it
and making a warning to people about fake

1573
02:05:23.199 --> 02:05:29.479
reviews. I think that's great.
There are so many problems with fake reviews

1574
02:05:29.560 --> 02:05:33.520
right now. So they are doing
this, and then they're going to have

1575
02:05:33.560 --> 02:05:44.119
a special website listing companies that are
caught making fake reviews. Now, wouldn't

1576
02:05:44.119 --> 02:05:47.720
you think Mark? As far as
the IP technology, wouldn't you think it

1577
02:05:47.720 --> 02:05:54.479
would be easy to rotate ips each
time you write one. I mean,

1578
02:05:54.520 --> 02:05:58.600
can't you do that even from a
single computer in a house somewhere if you

1579
02:05:58.720 --> 02:06:01.920
connected, if you connect to a
VPN every time to a different IP,

1580
02:06:02.119 --> 02:06:08.520
sure, but you'd have to Literally, you couldn't program a computer if I

1581
02:06:08.560 --> 02:06:11.920
couldn't, but I'm sure someone could
with no problem at all. But imagine

1582
02:06:11.920 --> 02:06:15.640
that if you could program it,
so every time you know, hit a

1583
02:06:15.680 --> 02:06:19.159
new review, it changes the vpn
IP. That would be That would be

1584
02:06:19.199 --> 02:06:28.560
good anyway. Colorado is taking the
first significant step on the Consumer Protection Act,

1585
02:06:30.520 --> 02:06:36.439
and it's the Consumer Protection Act basically
governs any kind of deception or fraud

1586
02:06:36.560 --> 02:06:44.800
or something in general terms. And
by the way, what they're trying to

1587
02:06:44.880 --> 02:06:51.800
do, they say, is make
it stronger. Representative Mike Wiseman from Aurora

1588
02:06:53.000 --> 02:06:59.680
says he's trying to fix it because
the law says that you have to in

1589
02:06:59.760 --> 02:07:06.720
order to prevail in court, you
have to show significant public harm or public

1590
02:07:06.920 --> 02:07:15.159
impact or you can't even get to
court. And he says that means that

1591
02:07:15.279 --> 02:07:19.800
a lot of businesses get to rip
people off but don't rise to the level

1592
02:07:20.439 --> 02:07:27.039
of significant public harm or public impact, then therefore get away with it under

1593
02:07:27.079 --> 02:07:30.600
the Consumer Protection Act. So the
new Consumer Protection Act he's proposing, or

1594
02:07:30.640 --> 02:07:38.840
the Amendment to the Consumer Protection Act, says it says the elimination of a

1595
02:07:38.960 --> 02:07:47.600
judicially created requirement that a significant number
of consumers be harmed before remedies are available.

1596
02:07:47.960 --> 02:07:50.800
So they're what they're trying. And
I think this is a great idea.

1597
02:07:51.199 --> 02:07:55.720
And this is from a Democrat,
Mike Wiseman. What he's saying is

1598
02:07:55.760 --> 02:07:59.840
the number of people is not that
important, and the public impact, if

1599
02:07:59.840 --> 02:08:03.520
you can show that it's deceptive anyway, what difference does it make how many

1600
02:08:03.560 --> 02:08:07.920
people it rips off if it's deceptive, if you can get rid of it,

1601
02:08:07.960 --> 02:08:13.960
if you can sue under the under
the Deceptive Trade Practice Act, then

1602
02:08:13.279 --> 02:08:18.720
you avoid people from getting hurt.
You know, in other words, it's

1603
02:08:18.800 --> 02:08:22.439
going to be bad whether it hurts
a lot of people or not, in

1604
02:08:22.600 --> 02:08:26.439
hopes that you prevent it from hurting
a lot of people. I think that's

1605
02:08:26.479 --> 02:08:33.239
a great idea, by the way, So the bottom line is that is

1606
02:08:33.319 --> 02:08:35.479
going that. By the way,
that bill, if you're interested in it,

1607
02:08:35.600 --> 02:08:41.000
I think it's HB twenty four ten
fourteen, and I think it's a

1608
02:08:41.000 --> 02:08:45.159
great idea. Finally, are I
mean, I can't stand some of the

1609
02:08:45.199 --> 02:08:48.880
laws we're coming up with, but
this one for consumer protection is good.

1610
02:08:48.159 --> 02:08:56.000
It's taking away that that public impact
requirement, which is usually interpreted as a

1611
02:08:56.079 --> 02:09:01.199
large number of consumers or you know, so that's good, and so they're

1612
02:09:01.239 --> 02:09:03.680
trying to do away with that three
oh three seven to one three talks seven

1613
02:09:03.720 --> 02:09:07.520
one three, eight two five five. By the way, have you heard

1614
02:09:07.760 --> 02:09:13.279
of the new diets that are sweeping
the country. Do you know that there

1615
02:09:13.439 --> 02:09:18.039
is, honest to god, a
baby food diet right now where adults are

1616
02:09:18.079 --> 02:09:24.199
eating baby food and in hopes of
losing weight, they're becoming malnourished. But

1617
02:09:24.359 --> 02:09:31.359
this is the latest thing on TikTok
baby food diet. Obviously, no need

1618
02:09:31.399 --> 02:09:35.279
to do it, it's stupid.
You know, a simple a simple low

1619
02:09:35.359 --> 02:09:39.520
carb diet, reduced calorie diet can
do it. Or of course you can

1620
02:09:39.840 --> 02:09:43.920
do the new you know. The
problem with the weight loss hormones that they're

1621
02:09:43.039 --> 02:09:46.640
using right now, like semaglue,
tide. It works. The problem with

1622
02:09:46.720 --> 02:09:52.640
those is a lot of people aren't
learning their new diet habits, so they

1623
02:09:52.680 --> 02:09:54.600
go back to gain. They go
back to gaining the weight when they stop.

1624
02:09:56.520 --> 02:10:01.439
Marlene was from last Tuesday, and
oh I remember this. This was

1625
02:10:01.439 --> 02:10:05.720
a pain in the butt man,
this problem. And you know what,

1626
02:10:05.800 --> 02:10:07.199
Marlene, hold on, let me
take this quick break. I'll come right

1627
02:10:07.239 --> 02:10:11.880
back to you. It's about your
twenty thirteen Chevy Malibu, and it was

1628
02:10:11.920 --> 02:10:16.079
with big O' tires, and then
Davidson Automotive. Well's come right back to

1629
02:10:16.119 --> 02:10:20.640
it. I'm Tom Martino. Go
with a sure thing Denver's Best roofer Excel

1630
02:10:20.760 --> 02:10:26.560
Roofing dot com. You don't pay
a cent until you're content. Time for

1631
02:10:26.600 --> 02:10:31.960
an insurance checkup free, no obligation. In comparison, call Compass Insurance.

1632
02:10:31.079 --> 02:10:35.239
Pay too much your coverage at dozens
of insurance companies find out now three oh

1633
02:10:35.279 --> 02:10:39.760
three seven to seven to one.
Help. You'll think you're his only customer

1634
02:10:39.800 --> 02:10:43.399
when you choose Frank durand the real
estate Man dot com to list your home

1635
02:10:43.600 --> 02:10:50.760
with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom

1636
02:10:50.760 --> 02:10:56.880
Martino here three three seven to one
to three talk Marlene. So, Marlene,

1637
02:10:56.439 --> 02:11:00.279
I looked at your call. I
got it here and base. I

1638
02:11:00.359 --> 02:11:03.359
want to summarize it for people listening. You said, Davidson Motors basically messed

1639
02:11:03.399 --> 02:11:07.600
up your car. They did work
on a chiming chain, and then you

1640
02:11:07.640 --> 02:11:16.680
say, then you say afterwards the
car had problems with the engine, and

1641
02:11:16.760 --> 02:11:22.199
you believe broken screws came off during
the timing chain replacement and fell into the

1642
02:11:22.239 --> 02:11:28.119
engine. Kevin Calkins said, he
doesn't know how. I told you to

1643
02:11:28.119 --> 02:11:31.640
take it over to him for a
second opinion, and how I don't know

1644
02:11:31.680 --> 02:11:35.800
how you would show anything that fell
off and it was inside the engine,

1645
02:11:35.800 --> 02:11:39.199
but that's how we left it that. We're not sure how they messed it

1646
02:11:39.279 --> 02:11:43.720
up. Kevin said, if a
stud was broken off on the generator or

1647
02:11:43.760 --> 02:11:48.359
alternator, it would not have fallen
in to that area. So what happened

1648
02:11:48.399 --> 02:11:56.079
since then? Marlene? I have
sent you a picture describing I don't know

1649
02:11:56.119 --> 02:12:01.720
if you got it. I had
emailed Kelly. Did you Did you send

1650
02:12:01.720 --> 02:12:07.640
me her additional information? I don't
see the picture now? What did you

1651
02:12:07.680 --> 02:12:13.239
send us, Marlene? It was
a picture of where Big O'd was,

1652
02:12:13.319 --> 02:12:22.279
describing the engine and what they've seen
and what they found. The thing is,

1653
02:12:22.680 --> 02:12:28.640
I took it back to Davidson's because
they said that they would look at

1654
02:12:28.680 --> 02:12:33.479
it, and I was just assuming
that maybe you know, they're gonna do

1655
02:12:33.640 --> 02:12:37.239
right. So what did they say
when they looked at it. They told

1656
02:12:37.239 --> 02:12:43.640
me that it had nothing to do
with it that screwed popped up and it

1657
02:12:43.760 --> 02:12:50.600
didn't have anything to do with the
work that they did. But I don't

1658
02:12:50.640 --> 02:12:56.319
even know how to get around this. These people from me standing up there

1659
02:12:56.479 --> 02:13:01.560
yesterday. For the couple of hours
that I was up there, there were

1660
02:13:01.640 --> 02:13:07.239
so many people pulling up complaining I
these people need to be shut down.

1661
02:13:07.800 --> 02:13:13.279
They want me to pay eight hundred
dollars. I went threw PaperWorks, Marlene.

1662
02:13:13.359 --> 02:13:18.960
Marlene, I just need to ask
you something. Is it possible that

1663
02:13:18.560 --> 02:13:24.159
they did not break off screws into
your engine? Still we have the Here's

1664
02:13:24.199 --> 02:13:31.560
what I need to know. Why
does Big O assume there are screws inside

1665
02:13:31.720 --> 02:13:39.399
or studs inside your engine because they
were able to look at it they went

1666
02:13:39.520 --> 02:13:43.720
in because I went their initial O. How did they did they actually see

1667
02:13:43.840 --> 02:13:52.560
the studs inside your engine? They've
seen the broke one where it was okay,

1668
02:13:52.000 --> 02:13:56.720
see this is okay, Marlene.
We tried calling Big OH to get

1669
02:13:56.760 --> 02:14:00.239
them on the phone, and wasn't
it true they wouldn't come Come on?

1670
02:14:00.359 --> 02:14:03.680
Right? Is that right, Kelly? They didn't they hang up on us.

1671
02:14:03.640 --> 02:14:07.319
No, it wasn't that the person
not she was working with was no

1672
02:14:07.399 --> 02:14:13.399
longer available? Well could we?
Okay? So so Marlene, we have

1673
02:14:13.760 --> 02:14:18.840
nothing to go on at all.
You're telling us and and and Kevin Caulkin,

1674
02:14:18.880 --> 02:14:26.000
who listened to your story, said
it's virtually impossible to show that screws

1675
02:14:26.079 --> 02:14:31.039
went inside your engine, and so
so we we don't know what you're talking

1676
02:14:31.079 --> 02:14:35.720
about. We need to talk to
someone at Big OH. If we can't

1677
02:14:35.760 --> 02:14:39.520
talk to someone at Big OH,
you need to take it to another expert

1678
02:14:39.520 --> 02:14:43.600
that will talk to us. I'm
sorry, that's the only thing we can

1679
02:14:43.640 --> 02:14:48.319
do. Three oh three Martino three
oh three six two seven eight four six six