WEBVTT 1 00:00:00.440 --> 00:00:14.000 Yeah, ripped news indeed advice, so you don't have come running just as 2 00:00:14.039 --> 00:00:20.760 fast as you can. Shooter's gonna help come. Man, This is the 3 00:00:20.920 --> 00:00:27.719 Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome to 4 00:00:27.760 --> 00:00:32.000 the show. It is card Day. Today we will be solving problems, 5 00:00:32.560 --> 00:00:37.039 answering questions, and taking complaints and making your life just a little easier. 6 00:00:37.079 --> 00:00:39.920 All you have to do is give me a call at three all three seven 7 00:00:40.000 --> 00:00:44.280 one three talk three all three seven one three eight two, five to five. 8 00:00:44.359 --> 00:00:47.079 What's going on in your life? How can we help you? I 9 00:00:47.240 --> 00:00:50.640 just have one thing to say, really, and I'd like you to just 10 00:00:50.719 --> 00:00:57.039 pay attention because this is, uh, it's kind of serious. Okay, 11 00:00:57.119 --> 00:01:00.600 so hang on a second, just be patient because I think you'll like what 12 00:01:00.679 --> 00:01:07.519 I have to say. You're ready, You got the whole My memory is 13 00:01:07.560 --> 00:01:11.760 fine. No, when the fall, No, I guess I just forgot 14 00:01:11.319 --> 00:01:19.920 when the report made several claims over mister Biden's mental Competcency. You said at 15 00:01:19.920 --> 00:01:29.560 the table, there'll be time enough. A well meaning elderly man with a 16 00:01:29.599 --> 00:01:34.480 poor memory. My memory is fine. There you go, there you go. 17 00:01:36.480 --> 00:01:44.000 Now. The best we have to offer this country is him and a 18 00:01:44.079 --> 00:01:49.840 malignant narcissist. I can't believe you. What nothing? Do you think we 19 00:01:49.920 --> 00:01:53.480 have good choices? I'm not here, I'm not going down. Do you 20 00:01:53.519 --> 00:01:56.560 think we have good choices? Mark? Or are you just picking the lesser 21 00:01:56.599 --> 00:02:00.200 of me? I love when Biden screws up you and every other pun din 22 00:02:00.319 --> 00:02:02.359 out there. I'm not a hash to throw Trump involved in it too. 23 00:02:02.680 --> 00:02:07.040 He can't sit back and just take his own crap. I'm not, I'm 24 00:02:07.040 --> 00:02:10.039 not. I'm not exactly what you can. You say that we have two 25 00:02:10.039 --> 00:02:14.879 great choices for president. You can do you can do better on American Idol. 26 00:02:15.080 --> 00:02:19.479 We would do better. We would do better choosing a president on American 27 00:02:19.479 --> 00:02:23.719 Idol. Just ask people to come and and and and audition walk that line. 28 00:02:23.000 --> 00:02:25.879 Hey, Tom, I have a question for you. Would you rather 29 00:02:25.919 --> 00:02:30.080 have a donnering old man for the next year or a giggly idiot if the 30 00:02:30.159 --> 00:02:36.120 vice president takes over? I didn't look at first of all, I said 31 00:02:36.120 --> 00:02:38.759 we have no good choice. That's what I said, didn't I I wasn't 32 00:02:38.759 --> 00:02:42.879 saying we have one choice that did a lot of great for this country, 33 00:02:42.879 --> 00:02:49.639 whether you recognize it or not. No good choices. Look, if you 34 00:02:49.680 --> 00:02:53.879 want to Look, I'm not saying that the politics were not better, or 35 00:02:53.919 --> 00:02:57.280 the or the Congress didn't do I'm not I'm not saying it when I don't 36 00:02:57.280 --> 00:03:00.240 even they didn't Actually the economy wasn't really that was The economy wasn't really that 37 00:03:00.360 --> 00:03:04.479 much better. Yet, listen, I'm not for Biden. I'm not for 38 00:03:04.560 --> 00:03:07.639 Trump. You don't like it? Do you? You hate when people actually 39 00:03:07.680 --> 00:03:10.479 speak truth, don't you? You actually hate it. We're talking about Biden, 40 00:03:10.560 --> 00:03:15.520 but you have to bring up Trump. It's absolutely what I said was 41 00:03:15.599 --> 00:03:19.479 we'll be on MSNBC. What I said was there's no good choice. You 42 00:03:19.479 --> 00:03:23.960 don't hear that on MSNBC. They love Biden. Everyone loves Biden. I 43 00:03:24.000 --> 00:03:28.719 am saying we have no good choice. If you tell me that you believe 44 00:03:28.960 --> 00:03:34.680 that Trump is a great man, you're full of trap. Okay, and 45 00:03:34.719 --> 00:03:37.120 he wasn't a great president. And you want to know the truth. If 46 00:03:37.159 --> 00:03:40.080 you really look at facts and not your political leanings, you will see that 47 00:03:40.120 --> 00:03:43.960 we don't have a good choice. That's all I'm saying. We don't have 48 00:03:44.000 --> 00:03:46.680 a good choice. I think we should be ashamed of herself. This is 49 00:03:46.719 --> 00:03:50.800 either are the two best people we can set up and anybody, anybody truly 50 00:03:50.840 --> 00:03:53.159 examining themselves, would say that. Am I saying that one wouldn't be better 51 00:03:53.159 --> 00:03:58.039 than the other. Of course I'm not saying that. Of course there's always 52 00:03:58.039 --> 00:04:00.680 going to be one better than the other, depending on your leanings. Of 53 00:04:00.680 --> 00:04:03.000 course there is. But if you look at the fundamentals, tell me, 54 00:04:03.120 --> 00:04:10.919 tell me what Tell me what was so much better? You know? I 55 00:04:10.960 --> 00:04:14.000 mean, come on, when you really, Mark, do you really look 56 00:04:14.039 --> 00:04:16.279 at him and say he's a great man, either one of them. I'm 57 00:04:16.319 --> 00:04:19.120 not going down your rabbit hole. Man. They told the guy that he 58 00:04:19.279 --> 00:04:24.480 was what. He had hookers pissing on him in Russia, and that was 59 00:04:24.519 --> 00:04:28.079 his first year of his presidency. They tried to set the guy up in 60 00:04:28.160 --> 00:04:31.600 every possible way that if anybody could imagine. Of course, of course he's 61 00:04:31.680 --> 00:04:34.839 the bad guy. Mark. I didn't say he's a bad guy. I 62 00:04:34.959 --> 00:04:38.519 said there, but we have a poor choice, That's all I said. 63 00:04:38.680 --> 00:04:41.959 We have a poor choice. No matter who you pick, we have a 64 00:04:42.000 --> 00:04:45.160 poor choice. Is better. I remember the name, by the way, 65 00:04:45.199 --> 00:04:48.560 but I don't deny. Today is kid die And I listen, see Mark 66 00:04:48.680 --> 00:04:54.120 is making He's making his pontifications. What I'm saying is this. We don't 67 00:04:54.120 --> 00:04:56.560 have a good choice. I am saying is one better than the other? 68 00:04:56.639 --> 00:05:00.759 Probably, I'm not saying another thing. Did they do we have a country 69 00:05:00.800 --> 00:05:04.040 that is out of their minds when it comes to derangement Trump Derangement Centem. 70 00:05:04.120 --> 00:05:08.759 We absolutely do. There are people out of their minds. I I'm the 71 00:05:08.800 --> 00:05:12.120 one who brought it up the day after our couple of week or two after 72 00:05:12.439 --> 00:05:15.759 when when Trump was elected, they had a million women in March talking about 73 00:05:15.759 --> 00:05:18.800 how they lost their rights and not one right was sacrifice, not one. 74 00:05:19.199 --> 00:05:25.839 Nothing had changed. People are deranged, But that still doesn't take away from 75 00:05:25.839 --> 00:05:29.839 the fact that the man is a scumbag, just like Biden is. They're 76 00:05:29.879 --> 00:05:32.759 both scumbags and we're putting them up as president. And if you don't like 77 00:05:32.839 --> 00:05:36.800 hearing that, I'm sorry. They're both scum three all three seven one three 78 00:05:36.839 --> 00:05:40.720 talking. But Mark, I know you disagree. I know you love Trump, 79 00:05:40.759 --> 00:05:43.839 you think he's a great man, but I don't. By the way, 80 00:05:43.879 --> 00:05:46.079 I don't think Biden's better. Okay, I don't think he's better at 81 00:05:46.079 --> 00:05:49.720 all. I think Biden is a sorry excuse for a president, along with 82 00:05:49.800 --> 00:05:54.959 his crooked, corrupt son and family. I really do I believe that man 83 00:05:55.040 --> 00:05:58.720 is so corrupt. So you know what, four time, you know that's 84 00:05:58.720 --> 00:06:01.639 going to be a hard choice. Maybe I'll just write in Mickey Mouse or 85 00:06:01.639 --> 00:06:03.959 maybe no, no, I don't like Disney either, So who the hell 86 00:06:04.000 --> 00:06:09.120 do I write in? Let's let's all write in Mark. Yeah, god 87 00:06:09.199 --> 00:06:12.639 forbid? John? What's going on with you? Man? What's happening? 88 00:06:15.480 --> 00:06:18.759 John? Let's talk, bro? What's going on with your flooded? With 89 00:06:18.839 --> 00:06:23.959 your house? I hope you didn't get flooded. Yeah, well, you 90 00:06:24.000 --> 00:06:30.399 know, uh, right before Thanksgiving, our upstairs toilet valve ruptured while we 91 00:06:30.399 --> 00:06:35.959 weren't home, and so well that's good because a flood wouldn't be covered, 92 00:06:35.959 --> 00:06:41.800 but a broken pipe would. Yeah. Well yeah, every day everything's going 93 00:06:41.879 --> 00:06:44.879 good. But you know, my question for you is, like, like 94 00:06:45.000 --> 00:06:47.480 service Master came out, they did a good job, and you know, 95 00:06:48.439 --> 00:06:54.839 they found some asbestos. Of Meridian Company came out and they did an awesome 96 00:06:54.959 --> 00:06:59.160 job too, And then I got a they had to come in and do 97 00:06:59.240 --> 00:07:05.720 a the rebuild and the guy that they kind of recommended, uh who record? 98 00:07:05.920 --> 00:07:12.600 Wait, who's they recommended? Oh? I just service Master? All 99 00:07:12.680 --> 00:07:15.920 right, how did you why did you call? I'm just curious why did 100 00:07:15.959 --> 00:07:21.240 you have service Master come out? Well, because, I mean it was 101 00:07:23.040 --> 00:07:26.000 it was kind of weird. We got American Family, you know, it's 102 00:07:26.120 --> 00:07:29.879 it's linked into our mortgage and okay, no, no, it's not linked 103 00:07:29.920 --> 00:07:32.680 in to your mortgage. You have American Family. An American Family is a 104 00:07:32.680 --> 00:07:38.040 company you chose. An American Family is one of the worst companies you can 105 00:07:38.079 --> 00:07:43.439 have, and they recommended Service Master. Is that right correct? Do you 106 00:07:43.600 --> 00:07:47.560 think that American Family, the suckiest, one of the suckiest insurance companies alive 107 00:07:47.800 --> 00:07:53.800 would recommend the greatest restoration company to spend the money they needed to spend to 108 00:07:53.879 --> 00:07:57.839 make you one hold? Do you think they would Who do you think an 109 00:07:57.839 --> 00:08:03.160 insurance company will recommend I would hope they would. Yeah, but they won't. 110 00:08:03.199 --> 00:08:05.439 Okay they won't. They're gonna find the quickest, fastest, and cheapest. 111 00:08:05.639 --> 00:08:09.839 Here's the deal. Service Master wouldn't have been my first choice. Am 112 00:08:09.920 --> 00:08:11.600 I saying they're lying sheets and crooked? No I'm not. I'm just saying 113 00:08:11.600 --> 00:08:16.879 they wouldn't have been my first choice. American Restoration twenty four to seven would 114 00:08:16.879 --> 00:08:20.560 have been, or or any number of companies. But here's the bottom line. 115 00:08:20.720 --> 00:08:24.519 Service Master has no business recommending a restaurant, somebody to build the come 116 00:08:24.800 --> 00:08:28.839 to rebuild. So you had American Family recommend service Master. Now you have 117 00:08:28.959 --> 00:08:35.600 service Master recommend a contractor. So who did service Master recommend for the for 118 00:08:35.679 --> 00:08:41.559 the contracting, Well, they recommended like Ati and a bunch of other ones. 119 00:08:41.639 --> 00:08:46.600 But I went ahead and got my own. Oh good, So you 120 00:08:46.639 --> 00:08:52.600 didn't take service Master's recommendation. No, no, no, But my question 121 00:08:52.799 --> 00:08:56.600 for you is, good, who did you end up with for rebuilding? 122 00:08:58.519 --> 00:09:05.120 Aga? Construct? But the estimate, the rebuilt estimates like sixty thousand, 123 00:09:05.240 --> 00:09:11.159 and he's he's asking thirty thousand dollars upfront from the insurance. Goodbye, goodbye, 124 00:09:11.519 --> 00:09:16.120 goodbye. That's what I say. Goodbye, Now that's what I say. 125 00:09:16.159 --> 00:09:18.080 Yeah, not to you. But why would they want that? How 126 00:09:18.120 --> 00:09:20.960 would you justify that or anybody justify that in your own mind? John? 127 00:09:24.799 --> 00:09:28.440 You know? I you know, hey, John, how did you? 128 00:09:28.559 --> 00:09:33.279 I got another question? Service Master did not recommend Ata. How did you 129 00:09:33.360 --> 00:09:39.559 find him? You mean? Ati? Ati? I'm sorry? Ati? 130 00:09:39.639 --> 00:09:45.360 Yeah, yeah, Well you know what it was was the Uh, I'm 131 00:09:45.399 --> 00:09:48.159 just asking how you found out? I just called I just started looking at 132 00:09:48.200 --> 00:09:54.720 like in Google and really so there was no recommendation, no references, no 133 00:09:54.039 --> 00:10:00.240 nothing. You just started looking at Google. Yeah, well be because had 134 00:10:00.240 --> 00:10:01.799 never been through this before with our house. Hey Tom, I buy the 135 00:10:03.200 --> 00:10:07.080 hold on. I'm a little confused. I look up ATI. They do 136 00:10:07.080 --> 00:10:11.879 do reconstruction and demolition. But they're they're basically the same thing as service Master. 137 00:10:13.000 --> 00:10:16.639 I don't right, they're a restoration company. Well, see what it 138 00:10:16.759 --> 00:10:22.840 was was they when the service Master came in and then they after they got 139 00:10:22.840 --> 00:10:26.519 everything dried out, and that was kind of a mess too, because they 140 00:10:28.279 --> 00:10:31.519 you know, kind of melted a wire from from my two twenty from the 141 00:10:31.559 --> 00:10:35.960 house to the roof, or from the pole to the roof, and they 142 00:10:35.559 --> 00:10:41.519 fixed that, but they found asbestos. So Meridian came in and they did 143 00:10:41.559 --> 00:10:46.799 this asbestos mitigation. And who called Meridian? Who called Meridian? I did? 144 00:10:48.039 --> 00:10:52.320 I did? And how did you find Meridian? Well we do that. 145 00:10:52.440 --> 00:10:56.679 We do their autoblasts. Okay, good, okay, you know them. 146 00:10:56.840 --> 00:11:01.120 So did they do a good job? Yeah, they did an awesome 147 00:11:01.200 --> 00:11:05.000 job. And then they did a bunch of flood cuts and you know, 148 00:11:05.080 --> 00:11:11.519 they did this I'm calling I started I started in the of uh the phone, 149 00:11:11.600 --> 00:11:18.159 you know, the Google whatever for rebuild and this guy Kyle from uh 150 00:11:18.320 --> 00:11:24.159 kg A. You know yeah he se he seems pretty good. Hey, 151 00:11:24.240 --> 00:11:28.440 John, what's the problem. Well, they want half. You didn't hire 152 00:11:28.480 --> 00:11:31.320 them. Did you sign a contract with ad I A T I. No 153 00:11:31.320 --> 00:11:35.399 no, no, no you mean kg A No no kg What the hell 154 00:11:37.200 --> 00:11:41.399 you just said? You just said A T I you hired to rebuild? 155 00:11:43.720 --> 00:11:46.000 No? No, no, no you missed them. No, it was 156 00:11:46.039 --> 00:11:50.200 the kg B A T I see I had I had to get I got 157 00:11:50.240 --> 00:11:54.200 like three or four different estimates. Okay, hold on, before you go 158 00:11:54.240 --> 00:11:56.639 on, John, before John, before you go on. I'm just a 159 00:11:56.759 --> 00:12:01.519 kind elderly man with poor memory. So let me go over this. And 160 00:12:01.039 --> 00:12:05.360 on Thanksgiving or right before Thanksgiving, you had a flood. Service Master cleaned 161 00:12:05.360 --> 00:12:11.639 it up and discovered asbestos. Then you called Meridian to mitigate the asbestos. 162 00:12:13.240 --> 00:12:20.639 After you did that, who did you hire to rebuild? I haven't hired 163 00:12:20.720 --> 00:12:24.679 anybody at we're doing the estimate. Thank god you did. Thank God, 164 00:12:24.759 --> 00:12:28.120 because I'm going to help you do the right thing. Thank you God that 165 00:12:28.240 --> 00:12:33.000 he did not hire someone. Now, what are your questions? Go ahead, 166 00:12:33.039 --> 00:12:35.720 sir, I'm sorry, keep going. Okay, the questions I have 167 00:12:35.960 --> 00:12:41.559 are I mean, because are some of these companies that are asking for like 168 00:12:41.759 --> 00:12:46.039 half down, but nope, I don't. I don't like doing any money 169 00:12:46.080 --> 00:12:50.360 down there. Well, you can do some when they start work, do 170 00:12:50.559 --> 00:12:54.759 not put half down. I don't care who they are. Yeah, but 171 00:12:54.799 --> 00:13:00.000 they're doing it like they they they're sending the bill, they're sending the estate 172 00:13:00.120 --> 00:13:07.279 mens to the American Family adjuster. Man, it's just everything's just taken. 173 00:13:07.279 --> 00:13:11.399 Okay, Here's what I want you to do, John, Here's what I 174 00:13:11.480 --> 00:13:16.240 want you to do so you don't get ripped royally. I want you to 175 00:13:16.320 --> 00:13:24.080 call Matt. Listen, just listen, bro. Call Paragon Services, Matt 176 00:13:24.120 --> 00:13:28.080 Stanford, a public adjuster. Let him review your claim. You would be 177 00:13:28.080 --> 00:13:33.759 better to get him on your side because you will never, and I am 178 00:13:33.840 --> 00:13:41.000 saying, never be treated fairly by American Family. That's number one. Number 179 00:13:41.080 --> 00:13:48.639 two. Only hire good contractors that you can check out that do not want 180 00:13:48.679 --> 00:13:52.559 fifty percent down, and preferably someone on my referral list. If not, 181 00:13:54.039 --> 00:14:01.000 just don't pay fifty percent down. Period we have. If you call mad 182 00:14:01.120 --> 00:14:05.960 Up, he can probably connect with Genesis. Genesis can come out and actually 183 00:14:05.000 --> 00:14:09.519 do all the estimates, and then Matt knows every nickel he can get It's 184 00:14:09.559 --> 00:14:13.159 gonna be your best deal, and Genesis will do a great job on your 185 00:14:13.159 --> 00:14:16.399 house, and Matt will get you every penny. It's the best way to 186 00:14:16.440 --> 00:14:20.799 deal with this. Please do what we said. If not, good luck 187 00:14:20.039 --> 00:14:24.120 on losing your money. Three oh three seven to one three talk seven one 188 00:14:24.159 --> 00:14:28.200 three eight two five five. Give him the number for Genesis. Please, 189 00:14:28.279 --> 00:14:37.440 we got more coming up. Go with a sure thing Denver's best roofer Excel 190 00:14:37.559 --> 00:14:43.360 Roofing dot com. You don't pay a cent until you're content. Time for 191 00:14:43.360 --> 00:14:48.720 an insurance check up free, no obligation. In comparison, call Compass Insurance 192 00:14:48.879 --> 00:14:52.039 paying too much your coverage at dozens of insurance companies find out now three oh 193 00:14:52.080 --> 00:14:56.840 three seven seven to one help. You'll think you're his only customer when you 194 00:14:56.919 --> 00:15:01.039 choose Frank durand the real estate Man dot com to list your home with Remax 195 00:15:01.120 --> 00:15:13.120 Alliance three all three nine two zero sixteen twenty two. Tom Martino, your 196 00:15:13.279 --> 00:15:16.720 troubleshooter three O three seven one three talks seven one three eight two five five. 197 00:15:18.440 --> 00:15:24.480 You know I like to think of myself as impartial. I get a 198 00:15:24.519 --> 00:15:28.399 text here saying Marcus right, the Trump economy was way better by saying that 199 00:15:28.440 --> 00:15:35.399 the economy isn't better, or excuse me that Biden's economy isn't wasn't it, 200 00:15:35.559 --> 00:15:41.519 or Trump's economy wasn't any better. You're showing that you're economically ignorant. Well, 201 00:15:41.559 --> 00:15:43.639 thank you. If you want to text me, you can go five 202 00:15:43.720 --> 00:15:48.080 seven seven three nine. I absolutely, honest to God, have no dog 203 00:15:48.159 --> 00:15:52.679 in this fight. I want what wants. I want what's best for everyone. 204 00:15:52.720 --> 00:15:58.480 But let's just take some things in job gains, job gains. Now, 205 00:15:58.519 --> 00:16:03.480 this is coming out of co That's exactly right. Mark. I know 206 00:16:03.559 --> 00:16:06.240 that I'm not trying to make a case. God damn it, I'm not 207 00:16:06.279 --> 00:16:10.120 trying to make a case for either one. They watched the Come on, 208 00:16:10.200 --> 00:16:11.559 man, I'm just saying. I'm not trying to make a case. What 209 00:16:11.600 --> 00:16:17.840 I'm saying is there was more job growth under Biden than when Trump. When 210 00:16:17.919 --> 00:16:22.279 Trump took over and Biden took over. Obviously Biden was taken over after COVID 211 00:16:22.320 --> 00:16:26.799 there had to be one. The unemployment rate the same lower under Biden. 212 00:16:27.159 --> 00:16:36.120 Economic growth, the gross domestic product grew more under the under Biden in his 213 00:16:36.200 --> 00:16:41.639 first couple of years than than than Trump. But Trump then afterwards was hampered 214 00:16:41.679 --> 00:16:47.759 again by the pandemic. Gas prices were better under Trump, way better, 215 00:16:47.840 --> 00:16:53.200 and doubled under Biden. If you look at home prices and accessibility, you 216 00:16:53.360 --> 00:17:00.320 have more people buying homes under Trump. More people could own home homes and 217 00:17:00.399 --> 00:17:06.160 afford that. Mortgage rates swored under Biden. How about just basic stuff like 218 00:17:06.440 --> 00:17:11.640 bacon, bread, eggs. I was just gonna say inflation. Inflation was 219 00:17:11.680 --> 00:17:15.799 a persistent challenge for Biden. Trump kept it under If you want to give 220 00:17:15.799 --> 00:17:18.640 them credit for every the reason it's a challenge to him, though, is 221 00:17:18.720 --> 00:17:22.960 because he's the one that created it. He was giving money out like candy. 222 00:17:22.440 --> 00:17:30.319 Disposable income, Okay, disposable income. People had more to spend under 223 00:17:30.359 --> 00:17:37.480 Trump with disposable income than Biden. The stock market has continued its steady ascent 224 00:17:37.119 --> 00:17:42.319 from Trump through Biden, and any ups and downs were about the same. 225 00:17:42.640 --> 00:17:48.119 So there's no real change in the stock market. I mean, Trump said 226 00:17:48.119 --> 00:17:52.119 the stock market would tank forever and it didn't. Student loan debt, well, 227 00:17:52.160 --> 00:17:56.599 guess why student loan debt is down. Guess why? Because Biden wrote 228 00:17:56.599 --> 00:18:02.319 it off with my tax dollars. Exactly, consumer sentiment. I just paid 229 00:18:02.359 --> 00:18:07.759 for someone's degree in bs. Now listen to this consumer sentiment. This is 230 00:18:07.839 --> 00:18:12.680 amazing. What do you think the attitude is of Americans right now? On 231 00:18:14.279 --> 00:18:23.359 the despite the economy's strength, Americans appear despondent when it comes to the feeling 232 00:18:25.319 --> 00:18:30.640 for America. However they hate America. Well, no, they're despondent about 233 00:18:30.680 --> 00:18:33.759 the future of America. The sentiment under Trump, now, this is one 234 00:18:33.759 --> 00:18:38.680 thing, truly, I must admit. Under Trump there were very high consumer 235 00:18:38.759 --> 00:18:42.920 sentiment feelings about the economy and about the country. And even though hold On, 236 00:18:44.279 --> 00:18:48.880 even though he had low ratings, with Biden, who has even lower 237 00:18:48.000 --> 00:18:52.200 ratings, the sentiment is at an all time low for this country. And 238 00:18:52.279 --> 00:18:56.880 again, I can't say one way or the other. The federal deficit peaked 239 00:18:57.000 --> 00:19:03.960 under Trump. Both he and Biden have added trillions to the debt. It 240 00:19:03.079 --> 00:19:07.359 peaked under Trump. So I'm looking at all these factors. I'm not saying 241 00:19:07.359 --> 00:19:11.000 one was better than the other. It's definitely a mixed that is a muppet 242 00:19:11.160 --> 00:19:17.480 at best. One has no brain. Who do you want on the code? 243 00:19:17.519 --> 00:19:19.240 Now? The only good news about Joe People are going, oh my 244 00:19:19.319 --> 00:19:22.680 god, we want this guy in charge of the nuclear weapons. He's got 245 00:19:22.680 --> 00:19:26.039 the football. Well, I want to put everybody at ease. There the 246 00:19:26.160 --> 00:19:33.039 guy already forgot the code, so that part doesn't matter. Pressure. Hey, 247 00:19:33.680 --> 00:19:37.599 Dennis, you know I hope, honest to god, I really hope. 248 00:19:37.640 --> 00:19:44.240 When people hear me asking questions and bringing up things on both sides, 249 00:19:44.319 --> 00:19:48.319 here's what people do. They immediately think I'm sneaking in an agenda, and 250 00:19:48.359 --> 00:19:52.160 it's it's just not the way it is. You See, Mark can't have 251 00:19:52.200 --> 00:19:56.119 a thought without having true good and a bad. Can't Mark. You cannot 252 00:19:57.119 --> 00:20:03.319 biden without a winner? Mark, Why good and bad? Loser? Winner? 253 00:20:03.559 --> 00:20:10.960 He does not have a thought that actually considers all elements. He has 254 00:20:11.039 --> 00:20:14.400 to go one side or the other. You're either good or bad. You're 255 00:20:14.480 --> 00:20:17.400 either up or down. Yeah, that's the way it is. Mark. 256 00:20:17.480 --> 00:20:19.680 With you, you you just don't look at everything. Yeah, win or 257 00:20:19.759 --> 00:20:22.599 lose. Maybe he's a better way. What's going on with you, Dennis? 258 00:20:22.640 --> 00:20:29.319 What's happening? I got my father in law was about to die in 259 00:20:29.359 --> 00:20:36.319 Arizona, and he has a lot of property and vehicles and stuff like that, 260 00:20:36.400 --> 00:20:40.519 and he's had his girlfriend for two years. So my wife just went 261 00:20:40.559 --> 00:20:45.920 out there yesterday and she called and she called his girlfriend about the cars. 262 00:20:47.079 --> 00:20:52.200 He has like seven or eight cars, and ATVs and boats and stuff like 263 00:20:52.240 --> 00:20:52.920 that. And she said, well, you don't have to worry about any 264 00:20:52.960 --> 00:20:56.799 of that. It's all mine. Okay, Now I'm gonna tell you a 265 00:20:56.799 --> 00:21:03.640 few Hold on, Dennis, just hold on one thing at a time. 266 00:21:03.359 --> 00:21:10.359 Did he hold this woman out or ever talk as if she is his spouse 267 00:21:12.640 --> 00:21:15.079 just a girlfriend? As far as we know, she's getting the house. 268 00:21:15.119 --> 00:21:18.839 We already said she could have the one of the house. I'm not saying 269 00:21:18.000 --> 00:21:22.359 listen, Dennis, I'm not asking anything about what you guys have agreed to. 270 00:21:22.480 --> 00:21:26.559 I'm asking some straight questions. First, did she ever consider herself married 271 00:21:26.599 --> 00:21:33.720 to him? Probably? I'm going to tell you that if they claim, 272 00:21:33.920 --> 00:21:37.519 if she claims she was a spouse, you have one set of problems. 273 00:21:37.880 --> 00:21:41.200 If she was not a spouse, you have another set of problems. She 274 00:21:41.240 --> 00:21:47.680 could be just an air Now. Is there a will? Yes? And 275 00:21:47.880 --> 00:21:52.599 in the will? When was it? When was it the latest amendment or 276 00:21:52.720 --> 00:22:00.160 change to the will? That thing's probably six or seven years old. I'm 277 00:22:00.200 --> 00:22:07.160 not sure she does the will name her in anything? No, okay, 278 00:22:07.200 --> 00:22:11.799 only just three kids. Then let me ask you something. Why did you 279 00:22:11.880 --> 00:22:14.880 say we agreed to let her have the house. Why would you do that 280 00:22:15.160 --> 00:22:18.039 if this woman knew him for two years? By the way, how old 281 00:22:18.160 --> 00:22:22.799 is your grandfather? Is your father in law eighty four? How old? 282 00:22:23.000 --> 00:22:29.759 How old is the woman? Seventy seven or seventy eight? I think okay, 283 00:22:30.000 --> 00:22:32.359 I mean it's okay. I just want to make sure it wasn't some 284 00:22:32.480 --> 00:22:34.480 kind of hustle. I don't think it is at this point. But in 285 00:22:34.519 --> 00:22:40.519 any case, what do you think. Why are you saying you're going to 286 00:22:40.599 --> 00:22:44.640 give her the house? Why? I'm just curious. Well, because he's 287 00:22:44.680 --> 00:22:49.200 been sick, he has cancer, So why are you giving the house to 288 00:22:49.680 --> 00:22:55.359 the girlfriend of two years? Well, he said he wanted to give it 289 00:22:55.359 --> 00:22:57.599 to her. Okay, you're a good man, because you know what, 290 00:22:57.680 --> 00:23:02.000 without that in writing, that would be very difficult for anyone to know. 291 00:23:02.440 --> 00:23:04.960 So that's you're a good man. So you're going to honor your father in 292 00:23:06.079 --> 00:23:10.200 law's wishes and sign the house over to her. Right, Well, if 293 00:23:10.240 --> 00:23:11.680 he already signed it over to her at the courthouse. We went to the 294 00:23:11.680 --> 00:23:15.599 courthouse in Arizona and they did the paperwork on it. I guess when did 295 00:23:15.599 --> 00:23:21.519 they do the paperwork when he was dying? Yes? Yeah, well he 296 00:23:22.039 --> 00:23:23.920 screwed her. Boy, he screwed her when it came to taxes. But 297 00:23:25.000 --> 00:23:27.960 you don't care. He totally screwed her. Let's talk about another thing. 298 00:23:29.359 --> 00:23:32.599 All of the other vehicles and stuff, she says, our mind. And 299 00:23:32.680 --> 00:23:37.559 how does she stake that claim? Well, he pays cash for everything. 300 00:23:38.039 --> 00:23:44.599 How does she stake the claim that they are all hers? That's just what 301 00:23:44.720 --> 00:23:45.880 she told my wife when she called and said, well, we need to 302 00:23:45.880 --> 00:23:51.720 because they have he has cars in a storage place, he has cars at 303 00:23:51.720 --> 00:23:55.279 somebody else's house. He had and who are they titled to? Who are 304 00:23:55.279 --> 00:23:59.319 they titled to to? My father in law? But she, okay, 305 00:23:59.359 --> 00:24:02.440 then there's no way she can get them. Okay, but you have to 306 00:24:02.519 --> 00:24:06.200 go there and open a probate. And I'd put the house in it. 307 00:24:06.240 --> 00:24:08.440 Man, I don't even care. I mean, that's crazy. She's telling 308 00:24:08.440 --> 00:24:11.759 you she's going to keep everything, But you guys are so nice, you're 309 00:24:11.799 --> 00:24:15.519 going to give her the house. I think you're creating your own issue. 310 00:24:15.200 --> 00:24:18.599 I think that's a point mark of negotiation. I think you're right. But 311 00:24:18.680 --> 00:24:22.400 she already had the house. He signed it over to her. Oh that's 312 00:24:22.519 --> 00:24:27.519 right, that's right, he already signed it over. I forgot about that. 313 00:24:27.759 --> 00:24:30.960 She swooped in in two years and it is going to get everything. 314 00:24:32.000 --> 00:24:33.839 Oh, I know, I know, But listen. If they're titled in 315 00:24:33.920 --> 00:24:38.079 your dad's name, she can't retitle them without probate. You have to open 316 00:24:38.119 --> 00:24:44.079 the probate and the will, will, and the and the law of If 317 00:24:44.079 --> 00:24:48.200 they're not mentioned, then the ordinary laws of inheritance will take over. She 318 00:24:48.400 --> 00:24:53.799 will not. And even if she says I was a spouse, she's only 319 00:24:55.039 --> 00:25:02.400 entitled to five percent a year. Okay, now the house has already been 320 00:25:02.400 --> 00:25:06.880 turned over. You need to get someone who knows about law in Arizona and 321 00:25:06.920 --> 00:25:11.400 go and open probate. Have you done that yet? Oh she's my wife's 322 00:25:11.440 --> 00:25:14.519 only been out there since two o'clock last night. Okay, good, Have 323 00:25:14.640 --> 00:25:18.839 her find a good attorney out there and open probate. Why do I say 324 00:25:18.880 --> 00:25:26.039 she needs to open probate because if you don't, the woman can. Well, 325 00:25:26.039 --> 00:25:29.200 she's already moved all the vehicles, she's hit them. Well, that's 326 00:25:29.279 --> 00:25:33.480 okay, but the courts can order her to make them available for transfer. 327 00:25:33.599 --> 00:25:37.839 She cannot take titled vehicles. What about bank accounts? Were there any bank 328 00:25:37.839 --> 00:25:45.759 accounts? Yeah's we went to the bank and where most of his money is 329 00:25:45.799 --> 00:25:48.680 and at first bank, and they said they didn't like the way the thing 330 00:25:48.759 --> 00:25:52.160 was signed, so she couldn't say anything until we get a death certificate. 331 00:25:52.240 --> 00:25:59.119 No, here's what I'm asking. Whose name are the bank accounts in well? 332 00:25:59.480 --> 00:26:03.759 Obviously my father in laws on both bank accounts, but I think she's 333 00:26:03.799 --> 00:26:07.680 on one as well. Okay, if she's on it and it's titled as 334 00:26:07.799 --> 00:26:11.440 either or it's her money, you're not going to change anything he did when 335 00:26:11.440 --> 00:26:15.440 he was alive, You're not gonna do it. But anything that's titled to 336 00:26:15.599 --> 00:26:19.720 him, including bank accounts, goes to the estate. Now, if you 337 00:26:19.799 --> 00:26:22.559 have any other questions, give us a call. But that's how it is. 338 00:26:23.000 --> 00:26:26.079 If she hit anything, the state can hold her in contempt for not 339 00:26:26.160 --> 00:26:34.480 revealing it, but you must open probate. Anything titled to him belongs to 340 00:26:34.559 --> 00:26:41.480 the estate, no matter what she says. Three oh three seven to one 341 00:26:41.559 --> 00:26:45.240 three A two five five. By the way, waterpros dot net the best 342 00:26:45.240 --> 00:26:48.920 water systems at the lowest prices. I'm drinking wonderful coffee, Thank god. 343 00:26:48.000 --> 00:26:52.920 Because of water Pros. You can get a system around one thousand bucks fully 344 00:26:52.960 --> 00:26:56.960 installed. That's right, and the best water ever. Three oh three eight 345 00:26:56.039 --> 00:27:03.720 six two five five five four Go with a sure thing Denver's best roofer Excel 346 00:27:03.839 --> 00:27:11.599 Roofing dot com. You don't pay a cent until you're content. Time for 347 00:27:11.640 --> 00:27:17.160 an insurance checkup free, no obligation comparison call Compass Insurance paying too much your 348 00:27:17.160 --> 00:27:21.240 coverage at dozens of insurance companies find out now three all three seven to seven 349 00:27:21.240 --> 00:27:25.000 to one help. You'll think you're his only customer when you choose Frank durand 350 00:27:25.039 --> 00:27:29.440 the real estate Man dot com to list your home with Remax Alliance three all 351 00:27:29.480 --> 00:27:37.759 three nine two zero sixteen twenty two. Hi Tom Martino. Here, by 352 00:27:37.799 --> 00:27:41.000 the way, jobs grew way higher than expected. The US economy added like 353 00:27:41.039 --> 00:27:45.559 three hundred and fifty three thousand jobs in January. Pundits for saying it wasn't 354 00:27:45.559 --> 00:27:49.119 going to be that much, but anyway, the stock market's way up too. 355 00:27:49.160 --> 00:27:52.240 We were going and if you're just tuning in, no, I'm not 356 00:27:52.519 --> 00:27:56.920 blowing a horn for Biden. I was going over both accomplishments when it comes 357 00:27:56.960 --> 00:28:00.519 to Biden versus Trump, and we were talking about the economy in general. 358 00:28:00.599 --> 00:28:06.799 There does seem to be more economic indicators in Trump's favor. When you went 359 00:28:06.920 --> 00:28:10.599 over all of them. We went over them, and these are from like 360 00:28:10.640 --> 00:28:15.079 the New York Times, Washington Post and both kinds of both rags, by 361 00:28:15.079 --> 00:28:18.519 the way, not just or on both sides. And I'm trying to put 362 00:28:18.559 --> 00:28:22.400 together information. But jobs are doing very well as far as number. I 363 00:28:22.400 --> 00:28:27.119 don't know about the quality of jobs, but a lot of people say that 364 00:28:29.039 --> 00:28:36.119 the jobs now are a lot of them are remote and offer people maybe a 365 00:28:36.160 --> 00:28:38.920 little less paid, but more flexibility. And of course all of that was 366 00:28:38.920 --> 00:28:44.119 spawned by COVID. COVID changed a lot of things. But I would love 367 00:28:44.160 --> 00:28:48.880 for you to text me or to call because this is the ultimate consumer issue. 368 00:28:48.440 --> 00:28:52.440 What's going on with the economy. One guy says, Tom, thanks 369 00:28:52.440 --> 00:28:55.079 for exposing the terrible economy under Biden. I don't know if I did. 370 00:28:55.079 --> 00:28:59.880 I just went over economic indicators on both sides. And then another one says, 371 00:29:00.279 --> 00:29:03.039 you admitted that you're old and forgetful. Just add grumpy and you have 372 00:29:03.119 --> 00:29:07.039 a perfect description. Damn, thank you very much. The other one says, 373 00:29:07.079 --> 00:29:11.200 of course, you know, Tom, You're going to be half wrong 374 00:29:11.279 --> 00:29:15.200 no matter what you do, because the country split. And that is absolutely 375 00:29:15.200 --> 00:29:18.799 true. In fact, I think that more people hate it when I don't 376 00:29:18.839 --> 00:29:22.519 take a side than when I try to bring out both. I said, 377 00:29:22.559 --> 00:29:26.079 we had a very poor choice for president. We do, and I think 378 00:29:26.119 --> 00:29:30.000 we could have done better on American Idol. What we do is we have 379 00:29:30.079 --> 00:29:34.559 people come and we have a committee and maybe they they interview these people. 380 00:29:34.680 --> 00:29:38.079 Do you think Russia? Do you think Russia would have went into Ukraine under 381 00:29:38.119 --> 00:29:41.680 Trump? Or do you think any of you know what a lot of people, 382 00:29:42.680 --> 00:29:45.680 you know a lot of people ask that, I don't know. I 383 00:29:45.720 --> 00:29:49.839 mean the world that's another thing. The world stage did seem more stable? 384 00:29:51.200 --> 00:29:56.279 Do you think it made cause? Do you think it was because of Trump 385 00:29:56.480 --> 00:30:00.799 or just coincidental? Of course it was because of whatever president. When it's 386 00:30:00.839 --> 00:30:04.680 stable, it's not just him. The problem is it's unstable right now. 387 00:30:04.839 --> 00:30:08.480 You realize Biden just came out and said that Israel's going over the top. 388 00:30:08.559 --> 00:30:11.640 Now, I mean, all he's doing is pandering. We know he doesn't 389 00:30:11.680 --> 00:30:15.839 actually well I was going to say he doesn't actually think that, but that's 390 00:30:15.880 --> 00:30:19.599 not true because apparently the guy can't think. Now. Steve has is a 391 00:30:19.640 --> 00:30:23.279 business owner and he has an issue with a customer. High Steve, what's 392 00:30:23.279 --> 00:30:26.839 going on with you? What's going on? Steve Hi? Hi? Tom. 393 00:30:26.880 --> 00:30:32.079 Hey, I'm a long long time listener back from the eighties and first 394 00:30:32.079 --> 00:30:33.839 time caller. What kind of business do you have? Man? Thank you 395 00:30:33.880 --> 00:30:37.440 for listening to. What kind of business? It's called my private Patio. 396 00:30:38.039 --> 00:30:47.440 We sell privacy fences and oh like bamboo planner, anything that's privacy for the 397 00:30:47.480 --> 00:30:55.119 patio. Okay. So yeah, So anyway, back in December, a 398 00:30:55.200 --> 00:31:02.279 customer ordered a one of our composite fences, quite a large order, like 399 00:31:02.359 --> 00:31:08.039 eighty nine hundred dollars, and you know the anyway he paid for it. 400 00:31:08.240 --> 00:31:14.200 I shipped it out and it was eighty nine hundred. Yes, I mean, 401 00:31:14.200 --> 00:31:19.799 where's that person from Chicago? Okay, so you're online? Yeah, 402 00:31:19.839 --> 00:31:25.400 online? So he got it online. We exchanged emails back and forth. 403 00:31:26.440 --> 00:31:32.920 I shipped them out the product, and just recently last month, he's my 404 00:31:33.319 --> 00:31:40.119 Square payment processor said that they took the eighty nine hundred dollars back, said 405 00:31:40.200 --> 00:31:48.279 the cardholder doesn't remember making the charge, unaware of this charge. So I 406 00:31:48.359 --> 00:31:53.880 had to dispute that with Square or Square disputed it on my behalf to the 407 00:31:53.920 --> 00:32:01.519 cardholder's credit card company, and they came. You know, I sent all 408 00:32:01.559 --> 00:32:08.440 this information back. I had ups pictures h Steve I have to ask something. 409 00:32:08.680 --> 00:32:13.119 I have to ask something. He says he doesn't recall making the charge. 410 00:32:13.400 --> 00:32:17.960 Does he deny getting product? Yes? He well he that's I don't 411 00:32:17.960 --> 00:32:22.160 even know. I can't call him. I can't. Why can't you call 412 00:32:22.240 --> 00:32:25.839 it? Oh? His phone numbers being off? You know where his house 413 00:32:25.920 --> 00:32:30.400 is? Wait a minute, you got a phony phone number in the beginning, 414 00:32:30.799 --> 00:32:35.680 probably, I mean, you call it and it just says it doesn't 415 00:32:35.759 --> 00:32:44.400 accept calls, probably from you anyway, So what's going on now? Well, 416 00:32:45.160 --> 00:32:49.640 so I sent all this information. I have email strings of us talking 417 00:32:49.720 --> 00:32:52.759 back and forth. You know, he has a billing address and a ship 418 00:32:52.759 --> 00:33:00.680 to address in Chicago. So I had sent to all this dispute information with 419 00:33:00.880 --> 00:33:05.240 ups tracking numbers, pictures, blah blah blah blah. Yeah, you know, 420 00:33:05.359 --> 00:33:08.519 there's there's a good possibility, guys, that it wasn't this guy. 421 00:33:08.640 --> 00:33:15.440 His credit card got stolen and he's a victim. Yeah, especially if if 422 00:33:15.480 --> 00:33:19.440 the ship to address is way different than the billing or if he's not around 423 00:33:19.440 --> 00:33:27.640 the shipping address. Go with a sure thing Denver's Best roofer Excel roofing dot 424 00:33:27.680 --> 00:33:34.359 com. You don't pay a cent until you're content. Time for an insurance 425 00:33:34.440 --> 00:33:38.920 checkup free, no obligation comparison call Compass Insurance paying too much your coverage at 426 00:33:38.960 --> 00:33:43.640 dozens of insurance companies find out now three O three seven to seven to one 427 00:33:43.759 --> 00:33:46.400 help. You'll think you're his only customer when you choose Frank durand the real 428 00:33:46.480 --> 00:33:52.079 estate Man dot com to list your home with Remax Alliance three oh three nine 429 00:33:52.079 --> 00:34:05.200 two zero sixteen twenty two. Hi Tom Martino three old three seven one three 430 00:34:05.279 --> 00:34:09.639 talk three old three seven to one three eight two five five. Welcome to 431 00:34:09.719 --> 00:34:16.440 the show. Now let's talk and try to solve some problems. Steve, 432 00:34:17.239 --> 00:34:21.199 here's the deal bro. We're going to be out of time here, but 433 00:34:21.280 --> 00:34:23.800 we're going to continue this. You're going to have a really tough time on 434 00:34:23.840 --> 00:34:29.679 this one. Did you find out one or just real quick? Was this 435 00:34:29.760 --> 00:34:32.159 a fraudulent charge? Do you think or do you think the guys trying to 436 00:34:32.239 --> 00:34:36.639 screw you out of a out of stuff? Well, I have no idea 437 00:34:36.679 --> 00:34:39.360 if it's fraud or the guy's trying to screw me. And actually I'm out 438 00:34:39.440 --> 00:34:45.760 like seventeen grand because it's the botg back. So I don't know why the 439 00:34:45.800 --> 00:34:51.400 credit card company a minute you said it was eighty nine hundred in product Go 440 00:34:51.519 --> 00:34:54.760 with a sure thing Denver's Best Roofer Excel Roofing dot com. You don't pay 441 00:34:54.800 --> 00:35:01.559 a cent until you're content. Time for an insurance check up free, no 442 00:35:01.639 --> 00:35:07.159 obligation. In comparison, call Compass Insurance. Pay too much your coverage at 443 00:35:07.199 --> 00:35:10.280 dozens of insurance companies find out now three oh three seven seven to one help. 444 00:35:10.440 --> 00:35:15.000 You'll think you're his only customer when you choose Frank durand the real estate 445 00:35:15.039 --> 00:35:19.480 Man dot com to list your home with Remax Alliance three oh three nine two 446 00:35:19.559 --> 00:35:35.599 zero sixteen twenty two. Ripped News need advice so you don't have come runciousness 447 00:35:36.039 --> 00:35:44.079 as can show Shooter's gonna help come Man six is the Troubleshooter Show. No 448 00:35:44.920 --> 00:35:50.159 Tom Martinez, Hi Tom Martino, your troubleshooter, Welcome to the show. 449 00:35:50.280 --> 00:35:53.239 Three oh three seven month three talks seven one three eight two five five fighting 450 00:35:53.320 --> 00:35:58.440 for you and also trying to help you through rough times. We have a 451 00:35:58.559 --> 00:36:05.519 business owner who sent eighty nine dollars and stuff and the charge was contested. 452 00:36:05.960 --> 00:36:07.760 He doesn't know where his stuff is. He can't get a hold of the 453 00:36:07.840 --> 00:36:13.679 person that made the charge. By the way, this happens all the time. 454 00:36:14.519 --> 00:36:19.079 However, many credit card companies will at least look into it. But 455 00:36:19.239 --> 00:36:24.960 I need to say something. The credit card company itself is not the arbiter 456 00:36:25.280 --> 00:36:35.039 of who owes what. They are simply deciding if they feel comfortable billing the 457 00:36:35.199 --> 00:36:42.519 customer and collecting the money. There have been many cases where a credit card 458 00:36:42.639 --> 00:36:51.400 company lets a customer contest a charge and the charge goes away, but the 459 00:36:51.559 --> 00:36:59.000 business owner can go directly after the consumer and sue them for the money. 460 00:36:59.480 --> 00:37:05.440 The debt does not go away when the credit card company makes the decision. 461 00:37:05.480 --> 00:37:10.280 You've got to understand that that is not the final decision. We've had cases 462 00:37:10.360 --> 00:37:16.159 where with utilities and cables and phone and sells and other things, the credit 463 00:37:16.239 --> 00:37:21.880 card company simply contested the charge and let the consumer have the credit. The 464 00:37:22.000 --> 00:37:25.599 consumer thought they were off the hook, but the creditor went after the consumer 465 00:37:25.679 --> 00:37:31.719 and won. So that first and foremost, that arbitration between the credit card 466 00:37:31.920 --> 00:37:37.039 and the merchant and the consumer is not the end all be all. It's 467 00:37:37.119 --> 00:37:42.960 not a court of law. So the question is you're out eighty nine hundred 468 00:37:43.000 --> 00:37:50.840 dollars for merchandise you sent out. So Steve, where did the merchandise. 469 00:37:51.000 --> 00:37:57.199 Go was it signed for? Did you do any investigation? No, it 470 00:37:57.440 --> 00:38:00.480 was not signed for. And from now on, I'm gonna make sure when 471 00:38:00.519 --> 00:38:04.239 I have large orders that they're going to be someone's going to sign it. 472 00:38:05.199 --> 00:38:10.119 But yeah, I mean it was delivered. I don't know if I should 473 00:38:10.239 --> 00:38:15.239 if police could get involved at all, well, sure they can if in 474 00:38:15.360 --> 00:38:19.679 fact, do you think something's going on? Did you look on Google or 475 00:38:19.679 --> 00:38:22.480 anywhere to see where it was delivered? Is it a warehouse? It is 476 00:38:22.519 --> 00:38:29.360 address. I have the cardholder's address and the delivery address, and they're both 477 00:38:29.519 --> 00:38:31.760 in Chicago. They're you know, they're, oh, I don't know, 478 00:38:31.840 --> 00:38:37.840 thirty miles away from each other, but I have the delivery address, and 479 00:38:37.199 --> 00:38:39.159 man, I don't know. It would be cool. Now, let me 480 00:38:39.320 --> 00:38:43.880 let me ask you them the person who bought this, Are they a business 481 00:38:44.039 --> 00:38:51.039 or an individual individual? And did you look into that individual? Yeah? 482 00:38:51.079 --> 00:38:54.159 I don't know how to contact him. I googled his name. You know, 483 00:38:54.320 --> 00:38:59.159 I just don't know how to contact this guy. You did you? 484 00:38:59.440 --> 00:39:02.480 Did you get number for him? Yeah? I've got a number when he 485 00:39:02.599 --> 00:39:07.119 made the order online. But the number is bogus, right, Yes, 486 00:39:08.400 --> 00:39:14.039 you know it sounds to me like it's you were a victim of fraud. 487 00:39:15.239 --> 00:39:20.400 Oh, absolutely, but you your loss is the cost of that furniture and 488 00:39:20.480 --> 00:39:24.239 shipping. I don't understand how you take eighty nine hundred retail and call it 489 00:39:24.320 --> 00:39:29.880 a loss of seventeen thousand? Can you you were right about that? Yeah? 490 00:39:30.320 --> 00:39:37.719 Okay, so your loss is the cost of furniture seventy eight plus you're 491 00:39:37.800 --> 00:39:49.440 shipping, right, Yeah, how much is that total loss? It's it's 492 00:39:49.639 --> 00:39:57.320 like seventy nine hundred, you know. Frankly, I don't know how businesses 493 00:39:57.360 --> 00:40:01.639 don't this doesn't happen more. I've heard of many many businesses being stung with 494 00:40:01.719 --> 00:40:05.480 you're going to see it. You're going to see it happen a lot more. 495 00:40:05.639 --> 00:40:07.800 Yeah, you got to take the physical card, man. You basically 496 00:40:07.920 --> 00:40:13.440 you just don't take mark if you take the physical card. Since we're in 497 00:40:13.559 --> 00:40:15.760 the processing business, tell me how that changes things. Well, they know 498 00:40:15.920 --> 00:40:20.280 the card's present, so therefore you're going to get paid when you take it 499 00:40:20.360 --> 00:40:23.639 over the phone. You have no idea who you're talking to and whose credit 500 00:40:23.679 --> 00:40:29.519 card it is. You simply don't know. Or an online company though, 501 00:40:30.280 --> 00:40:34.800 or an e commerce company, and you know we we've done well, then 502 00:40:34.880 --> 00:40:37.559 what you would have to do is what a lot of e commerce do. 503 00:40:37.719 --> 00:40:42.559 The only place they ship to is the address on the credit card. Okay, 504 00:40:44.519 --> 00:40:46.239 and you do get a signature, you ship it to the address the 505 00:40:46.280 --> 00:40:51.079 billing address on the credit card, and you make sure you have a signature. 506 00:40:52.000 --> 00:40:53.280 All right, that's good advice. It just sucks, man. I 507 00:40:53.360 --> 00:40:57.360 mean I feel for you. Man. I almost got stung like that years 508 00:40:57.360 --> 00:41:00.039 ago, same exact thing. I got lucky and didn't the stuff out at 509 00:41:00.079 --> 00:41:04.960 the last minute. But it happens all the time. And here's the bottom 510 00:41:05.000 --> 00:41:08.000 line. Someone paying with the credit card, even if it is their credit 511 00:41:08.079 --> 00:41:12.239 card. A lot of gambling sites, and I don't mean FanDuel, I 512 00:41:12.360 --> 00:41:15.719 mean the offshore ones, they get stung all the time. Someone that actually 513 00:41:15.840 --> 00:41:19.679 has the credit card will deposit money in it, they take the credit card. 514 00:41:19.800 --> 00:41:22.440 Remember we're dealing with someone overseas. Then they say the credit card was 515 00:41:22.519 --> 00:41:28.679 stolen after they lose their money on the gambling site, and it gets reversed 516 00:41:28.719 --> 00:41:35.119 because there's no way to prove if it was stolen or not. Yeah, 517 00:41:35.480 --> 00:41:37.840 it is terrible. And this is the same reason I give advice out all 518 00:41:37.880 --> 00:41:43.679 the time. Tom Where if you legitimately got screwed by a company and you 519 00:41:43.880 --> 00:41:47.239 did not give them the physical card. And I understand people are going to 520 00:41:47.280 --> 00:41:50.840 say, well, that's not fair. You're lying. I don't care if 521 00:41:50.920 --> 00:41:54.480 a company screws you, regardless of what it is, and they took your 522 00:41:54.559 --> 00:41:58.960 credit card over the phone. You don't call up your bank and say, 523 00:41:59.079 --> 00:42:01.679 oh, well they didn't build the fence high enough or they didn't do the 524 00:42:01.760 --> 00:42:06.159 flooring properly. You don't say that at all. You say this, I 525 00:42:06.280 --> 00:42:08.480 have no idea what the hell the charge is. And guess what you're going 526 00:42:08.559 --> 00:42:14.000 to get it back? Yeah, I know, I'm telling you. It's 527 00:42:14.199 --> 00:42:16.360 it's really a gamble, Steve. I'm sorry this happened. I don't I 528 00:42:16.480 --> 00:42:22.480 can't think of anything that could get that money back, or that that stuff 529 00:42:22.559 --> 00:42:25.840 back, that merchandise. I mean, unless you had someone in that city 530 00:42:25.920 --> 00:42:30.960 investigate the delivery place and go after him. Somebody got that stuff. Yeah, 531 00:42:31.000 --> 00:42:35.719 and you're chasing you're chasing a ghost and you're not chasing it on your 532 00:42:35.760 --> 00:42:38.239 own in your own neighborhood. Man, You've got to fly out there. 533 00:42:38.360 --> 00:42:43.280 You got to do the leg work. It's crazy, it is crazy, 534 00:42:44.239 --> 00:42:49.159 and you just got to chalk that up. Again. I'm just shocked that 535 00:42:49.400 --> 00:42:52.840 more and more people are not burned by this. Three oh three seven one 536 00:42:53.159 --> 00:43:01.679 three talk Thelma, what's your issue with taxes? Okay, last year I 537 00:43:01.880 --> 00:43:07.440 was working at this company and when I got my deputy form, I didn't 538 00:43:08.800 --> 00:43:14.599 pay much attention to it. I turned it over to my CPA and then 539 00:43:14.679 --> 00:43:19.800 he called me and he said, you have two social security numbers, and 540 00:43:19.960 --> 00:43:23.199 I said what, And then he gave me the number, one of them 541 00:43:23.280 --> 00:43:30.760 with my telephone number or the other onom with myself security number. So hold 542 00:43:30.800 --> 00:43:36.039 on a second, Thelma, Telma, was this your tax preparer? Yes, 543 00:43:36.760 --> 00:43:40.280 he said you had two social security numbers? Yes, the one that 544 00:43:40.480 --> 00:43:46.599 I worked for had given me a deputy form with my telephone number on it 545 00:43:47.280 --> 00:43:52.199 by mistake, obviously a moron. So so what did you do about it? 546 00:43:52.360 --> 00:43:57.559 Well, I would working at that company, so I got ahold of 547 00:43:57.599 --> 00:44:00.440 my boss and he said, you take care of it. So now I 548 00:44:00.599 --> 00:44:08.239 get my W two form phone. So I only woked about eight a month 549 00:44:08.480 --> 00:44:13.440 last year. And then I went to another job talk at my W two 550 00:44:13.519 --> 00:44:17.239 for them and I look and oh, my SOD security number my telephone number. 551 00:44:17.840 --> 00:44:22.599 So I mailed it back to them and I wrote on them that they 552 00:44:22.719 --> 00:44:30.480 had made a mistake. Then I get the the other W two for them, 553 00:44:30.000 --> 00:44:36.880 and it's still got my telephone number. Now do I keep pounding this 554 00:44:37.079 --> 00:44:39.440 guy head into the numb You know what, I'll call over to this jump 555 00:44:39.559 --> 00:44:43.360 get get me the number. I'll call over and get you a W two. 556 00:44:43.480 --> 00:44:49.079 This is crazy, Let's see. I don't hold on a second. 557 00:44:49.079 --> 00:44:52.079 I want to ask you a couple of questions. Thelma, okay on your 558 00:44:52.199 --> 00:45:00.800 ten ninety nine's okay? Yeah? If you simply reported the income and did 559 00:45:00.920 --> 00:45:07.400 not correct it, what's the consequence, Because here's the only consequence. They're 560 00:45:07.480 --> 00:45:10.960 never going to come after you for reporting more income than you have. They'll 561 00:45:12.000 --> 00:45:15.239 only come after you if you don't report the income you do have. It 562 00:45:15.360 --> 00:45:20.079 might be messing with her return though, oh it could be messing with her 563 00:45:20.440 --> 00:45:28.840 credits towards Social Security too. I guess what could it be possible that I 564 00:45:29.079 --> 00:45:37.519 could get omit the W two form and have my SPA through all my other 565 00:45:37.719 --> 00:45:40.239 tacts and leave it and then well, no, you have to claim that 566 00:45:40.400 --> 00:45:47.199 income, dear, Well, what is it possible I could just make one 567 00:45:47.360 --> 00:45:54.119 mark through my telephone number and mark out in the low bark my social security 568 00:45:54.239 --> 00:45:58.800 number. I guess you could, but on the irs level, they have 569 00:45:59.079 --> 00:46:05.239 already received the one with your phone number on it. You'd have to collect 570 00:46:05.280 --> 00:46:07.679 it at that level. I'll listen, let's go to a break and let 571 00:46:07.840 --> 00:46:13.239 Mark, well, all this time I'm reading about this. The really all 572 00:46:13.360 --> 00:46:16.000 you have to do. You mentioned that you have a CPA, so since 573 00:46:16.039 --> 00:46:20.039 you have a CPA, he should know this. He's just got a file 574 00:46:20.159 --> 00:46:24.960 of form W DASH three C that gives the correct information if some of the 575 00:46:25.039 --> 00:46:30.000 information on the W two is wrong. So I'm not sure why you're your 576 00:46:30.000 --> 00:46:34.880 accountant's not doing it. That's a great nugget. So felma tell your accountant 577 00:46:34.880 --> 00:46:40.679 about this. Okay, what what would the Conde number for my accountant to 578 00:46:42.079 --> 00:46:45.440 do? Tell her what form it is? A W DASH three C, 579 00:46:46.960 --> 00:46:51.440 and then I still don't mind calling this company. I mean, I can't 580 00:46:51.519 --> 00:46:55.320 imagine while they're screwing this up. Unless when you filled out it's not the 581 00:46:55.519 --> 00:46:59.840 W two, what is it a W nine when you filled out the inn 582 00:47:00.000 --> 00:47:05.599 information. If you accidentally gave them the wrong information, I don't know if 583 00:47:05.639 --> 00:47:09.679 that happened or not. I would think not, and I would think that 584 00:47:09.960 --> 00:47:15.760 if I told them last you that they had made a mistake, they would 585 00:47:15.840 --> 00:47:20.559 have corrected it. I understand, but just have your accountant to have your 586 00:47:20.599 --> 00:47:24.480 accountant fill out that form and then send that form also back to that employer. 587 00:47:24.880 --> 00:47:29.320 Three O three seven one three talk seven one three eight two five five 588 00:47:29.760 --> 00:47:34.599 Listen. If you're going to replace heating and air, consider high efficiency. 589 00:47:35.360 --> 00:47:37.920 It's a little more money on the front end, but when you go with 590 00:47:37.000 --> 00:47:40.679 eight eight eight heating dot com, they do a great deal and you'll save 591 00:47:40.800 --> 00:47:45.400 going in and you'll save every single month. Three oh three seven seven zero 592 00:47:45.559 --> 00:47:57.079 two seven seven six. Go with a sure thing Denver's best roofer Excel Roofing 593 00:47:57.199 --> 00:48:02.519 dot com. You don't pay a cent until you're content, wait time for 594 00:48:02.559 --> 00:48:07.880 an insurance check up free, no obligation. In comparison, call Compass Insurance 595 00:48:07.079 --> 00:48:12.199 paying too much your coverage at dozens of insurance companies find out now three all 596 00:48:12.280 --> 00:48:15.000 three seven seven to one help. You'll think you're his only customer when you 597 00:48:15.119 --> 00:48:20.239 choose Frank durand the real estate Man dot com to list your home with Remax 598 00:48:20.320 --> 00:48:32.039 Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino here 599 00:48:32.159 --> 00:48:36.400 three all three seven one three talks seven one, three, eight, two 600 00:48:36.639 --> 00:48:44.119 five five. Cynthia, you have a question with Social Security? What is 601 00:48:44.159 --> 00:48:45.519 it? And by the way, you can call three oh three Martino right 602 00:48:45.559 --> 00:48:50.639 now and get right through three oh three Martino. Leave a message and uh, 603 00:48:50.880 --> 00:48:52.639 we'll get back to you or whenever you can call it. Twenty four 604 00:48:52.679 --> 00:48:57.679 to seven. What's going on, Cynthia. Well, my husband just told 605 00:48:57.760 --> 00:49:05.039 me that the security has changed that I will only receive half of his benefits 606 00:49:05.079 --> 00:49:07.719 when he passes. Now, here's how it works. There it looks like 607 00:49:07.880 --> 00:49:12.800 half, but it's not. Here's what happens. You will get If there's 608 00:49:12.880 --> 00:49:20.159 two Social Security checks and one passes, they are get you get the other. 609 00:49:20.360 --> 00:49:22.840 Whatever one is higher, you continue to get. So if your husband 610 00:49:22.920 --> 00:49:29.000 is getting more than you and he passes, you no longer get yours, 611 00:49:29.880 --> 00:49:34.239 right, and he gets and you get his. Yeah, you'll only But 612 00:49:34.639 --> 00:49:37.679 to your exact question, Yes, your husband, when he passes away, 613 00:49:38.239 --> 00:49:44.159 you'll no longer get that money because he's no longer there. Well, you'll 614 00:49:44.239 --> 00:49:47.320 no longer get her money. What I'm saying is you'll no longer get his 615 00:49:47.559 --> 00:49:53.079 portion of his money. That's right, you get the whole check. Let's 616 00:49:53.159 --> 00:49:59.039 just put it in real numbers. Let's say you're getting fourteen a month and 617 00:49:59.199 --> 00:50:05.519 he's getting twenty four hundred a month. When he dies, you no longer 618 00:50:05.599 --> 00:50:09.599 get your fourteen hundred, but you now get his twenty four hundred. Okay, 619 00:50:10.199 --> 00:50:15.159 that's what I thought. That's what a survivor benefit is, unless if 620 00:50:15.199 --> 00:50:19.199 something has changed this year, which I don't know. I don't think it 621 00:50:19.280 --> 00:50:22.360 did. We just did the seminar last night and went over this with an 622 00:50:22.400 --> 00:50:27.320 expert there. I don't think it did. Okay, so that's a survivor 623 00:50:27.400 --> 00:50:32.559 benefit. And are you both getting social Security right now? Right where people 624 00:50:32.719 --> 00:50:38.440 run into trouble is they think they're going to get both theirs plus their husbands. 625 00:50:39.360 --> 00:50:45.239 No, I knew that wouldn't happen. So I just didn't understand where 626 00:50:45.639 --> 00:50:50.639 he said that I would only get half of his social Security. Maybe he's 627 00:50:50.719 --> 00:50:54.920 thinking you're going to knock him off and he wants to discourage you, and 628 00:50:55.119 --> 00:50:59.599 sometimes you probably feel like it. I don't know anyway, Oh, yes 629 00:50:59.639 --> 00:51:02.159 they do. Yeah, you know. Mostly I hear this, Cynthia. 630 00:51:02.199 --> 00:51:07.679 When guys retire, they say, holy crap. I never knew what a 631 00:51:07.840 --> 00:51:12.559 pain in the ass he was until he started hanging out at home, Thelma, 632 00:51:13.079 --> 00:51:15.679 what's going on? Thelma? Oh, I'm sorry. We had Thelma 633 00:51:16.039 --> 00:51:20.119 and Mark was going to call over there. But Thelma, I think you 634 00:51:20.199 --> 00:51:24.920 can take care of this relatively simply by having your accountant make that, you 635 00:51:25.000 --> 00:51:30.800 know, change with the form. Kevin Calkin is with us from Sheridan Auto 636 00:51:30.880 --> 00:51:32.519 Tech. It's been a busy morning, but we'll get to car stuff. 637 00:51:32.840 --> 00:51:36.320 You can call about cars or anything else. Three oh three, seven to 638 00:51:36.360 --> 00:51:39.639 one to three talk. Jeff Fick is with us from Camera Transmission. Let's 639 00:51:39.679 --> 00:51:44.400 talk guys. Hey, one complaint we've had a lot of lately, okay, 640 00:51:44.920 --> 00:51:52.039 and that is people having their cars in the shops for excessive amounts of 641 00:51:52.159 --> 00:51:58.559 time, and especially body shops. Do you have any thoughts on why that's 642 00:51:58.599 --> 00:52:01.559 happening. I mean, when we say excessive, we're talking ninety days people. 643 00:52:01.760 --> 00:52:07.280 Ninety days. Yeah, ninety days is a long time body shops. 644 00:52:07.320 --> 00:52:09.199 I'm not necessarily saying that that's terribly long. Right now. I mean, 645 00:52:10.000 --> 00:52:14.960 right now, I'm driving around at a black ping pong ball because they're a 646 00:52:15.320 --> 00:52:17.280 golf ball rather because I got hail damage earlier this summer and they can't even 647 00:52:17.320 --> 00:52:22.280 get me in until July third of this year in order at least your vehicle 648 00:52:22.480 --> 00:52:29.000 is drivable. Can you imagine if your vehicle is not drivable. We've had 649 00:52:29.119 --> 00:52:30.480 cases where we've you know, something that used to take us three and four 650 00:52:30.559 --> 00:52:34.199 days can take us three and four weeks just trying to gather parts into the 651 00:52:34.239 --> 00:52:37.360 far When is it going to go Come on? We can't keep blaming COVID 652 00:52:37.440 --> 00:52:38.800 for God's sakes, When is this going to go back to normal? No, 653 00:52:38.920 --> 00:52:43.079 I think it's an accepted norm. They don't have to inventory the parts 654 00:52:43.119 --> 00:52:45.960 as they did. They're just major warehouses. They are regional as opposed to 655 00:52:46.119 --> 00:52:52.920 local. Quite frankly, quality control's gone everything, but insurance companies aren't helping. 656 00:52:53.039 --> 00:52:55.920 We have cars in there for three or four weeks to do a curb 657 00:52:57.000 --> 00:52:59.960 hit, you know, a raq a control arm, things like that. 658 00:53:00.360 --> 00:53:02.639 It's just the email thing. Now, will you email an estimate and a 659 00:53:02.760 --> 00:53:07.840 question You got to wait three days for a yes or no answer. It's 660 00:53:07.920 --> 00:53:13.000 it's really challenging. And when people come in and say, don't worry, 661 00:53:13.039 --> 00:53:15.639 I have an extended warranty or I have one of these service plans, makes 662 00:53:15.679 --> 00:53:19.960 you cringe. Oh you don't say good, you think, oh, some 663 00:53:20.119 --> 00:53:22.639 of them are good, but some of them want to send adjusters and the 664 00:53:22.679 --> 00:53:24.199 same thing. Now you push the car on for four days, wait for 665 00:53:24.280 --> 00:53:27.719 the adjuster, and no matter what, it's going to take you longer. 666 00:53:27.920 --> 00:53:30.760 Yep, there's a couple of them that I will actually, you know, 667 00:53:30.840 --> 00:53:32.000 I'll let them know right off the top. We'll deal with them if you 668 00:53:32.039 --> 00:53:36.559 want. But I'm charging you for phone time. Do they ever have any 669 00:53:36.960 --> 00:53:40.440 that will let you build a customer? The customer can submit it like with 670 00:53:40.559 --> 00:53:44.840 health insurance, all of them, but the customer doesn't want to pay. 671 00:53:45.360 --> 00:53:50.800 No, No, What I mean is do you deal with the warranty company 672 00:53:50.800 --> 00:53:53.199 and the warranted company? Well, you generally have to get pre authorization before 673 00:53:53.239 --> 00:53:58.599 you can go through it. They won't look into history. Okay, fine, 674 00:53:58.760 --> 00:54:01.000 yes, Jeff said you needed this out of the other thing you've already 675 00:54:01.000 --> 00:54:05.280 got to fix. Well, Jeff a professional. Here's I guess what I'm 676 00:54:05.280 --> 00:54:08.519 asking is this? Okay? Sometimes at a doctor's office, people get pissed 677 00:54:08.559 --> 00:54:14.280 at doctors because they didn't submit the insurance and do and get paid and then 678 00:54:14.480 --> 00:54:16.320 the consumers on the hook. Do you ever have people who say hey, 679 00:54:16.719 --> 00:54:21.679 you say, hey, your your warranty company won't pay and they say, 680 00:54:21.719 --> 00:54:24.960 well, that's not my problem. They didn't do the work yet though time 681 00:54:25.000 --> 00:54:28.840 they're going to wait till the organization prior to No. No, okay, 682 00:54:29.000 --> 00:54:31.400 but are there times you get a pre off and they and they won't pay 683 00:54:31.880 --> 00:54:34.920 or not. No, No, I've never had that, even with all 684 00:54:34.960 --> 00:54:37.920 the ones they've always paid. That's really good news. H three oh three 685 00:54:38.239 --> 00:54:42.960 seven one three talk three oh three seven one three eight two five five. 686 00:54:43.039 --> 00:54:46.519 We have open lines and we'll take your calls coming uprobidenergy dot com if you're 687 00:54:46.559 --> 00:54:52.400 looking for solar. They have a system for most houses for twenty one grand 688 00:54:52.480 --> 00:54:55.440 after your tax credits, with battery backup, ready to go. That's a 689 00:54:55.719 --> 00:55:00.880 great price and you save every single month. Pro Bid energy dot com and 690 00:55:01.039 --> 00:55:04.960 you can give them a call if you want to. Three O three six 691 00:55:05.079 --> 00:55:14.920 two three fifteen thirty one go with a sure thing Denver's best roofer Excel roofing 692 00:55:15.000 --> 00:55:21.360 dot com. You don't pay a cent until you're content. Wait time for 693 00:55:21.400 --> 00:55:25.519 an insurance check up, free no obligation comparison call Compass insurance paying too much 694 00:55:25.719 --> 00:55:30.719 your coverage at dozens of insurance companies find out now three all three seven to 695 00:55:30.760 --> 00:55:34.400 seven to one help. You'll think you're his only customer when you choose Frank 696 00:55:34.480 --> 00:55:38.000 durand the real estate man dot com to list your home with Remax Alliance three 697 00:55:38.079 --> 00:55:45.719 oh three nine two zero sixteen twenty two. Hey Tom Martino here three oh 698 00:55:45.760 --> 00:55:51.719 three seven one three talks seven one three A two five five. Today is 699 00:55:51.920 --> 00:55:54.480 Friday Car Day. You can call about anything you want, including cars, 700 00:55:54.519 --> 00:56:06.000 of course. And I also wanted to talk about the elephant in the room. 701 00:56:06.039 --> 00:56:08.639 I call it. I'm sorry it needs to talk about it. You 702 00:56:08.760 --> 00:56:21.920 know. I'm wondering what the reason the Special Counsel mentioned Biden's physical condition, 703 00:56:22.159 --> 00:56:28.199 mental capacity. I'm wondering. And here's what I'm wondering too. What they're 704 00:56:28.280 --> 00:56:32.639 basically saying is we're not going to prosecute. He didn't say because he didn't 705 00:56:32.679 --> 00:56:40.119 commit a crime. We're not prosecuting because there's not a likelihood of conviction. 706 00:56:40.679 --> 00:56:45.119 Now, I want you to read between the lines. There's not a likelihood 707 00:56:45.400 --> 00:56:52.000 of conviction, not that there wasn't wrongdoing. In fact, they absolutely found 708 00:56:52.280 --> 00:57:00.320 wrongdoing. So this is what you call prosecutorial discretion. And I really would 709 00:57:00.400 --> 00:57:04.559 love to talk to an expert about it, but we don't know any prosecutors. 710 00:57:05.079 --> 00:57:07.559 Do we know people that used to be prosecutors or do we know people 711 00:57:07.679 --> 00:57:14.480 that know enough about prosecutors? Maybe, don't you Yeah, you know, 712 00:57:14.760 --> 00:57:17.960 that would be a great one because you know, he's a lawyer and I'm 713 00:57:19.480 --> 00:57:22.519 you know he does personal injury. But yeah, capitalists would be good because 714 00:57:22.559 --> 00:57:28.639 he has a good legal mind. Another one would be Joe Lazara because he's 715 00:57:28.679 --> 00:57:34.480 criminal defense. Maybe. But anyway, with prosecutorial discretion, what that means 716 00:57:34.639 --> 00:57:39.960 is they can decide whether to move forward. But what I find odd is 717 00:57:40.039 --> 00:57:50.000 that what they're really saying is Trump is likely to be convicted. In other 718 00:57:50.039 --> 00:57:57.039 words, they feel like he's more of an unsympathetic with defendant. Think about 719 00:57:57.119 --> 00:58:00.039 that. I mean, they're saying a sympathetic old man with a poor memory. 720 00:58:00.719 --> 00:58:05.159 So they're saying that people would feel sorry for him. So on the 721 00:58:05.400 --> 00:58:12.599 converse to that, think about that, they're really saying they don't think people 722 00:58:13.199 --> 00:58:22.320 would feel sorry for Trump. It truly is a different level of justice. 723 00:58:22.480 --> 00:58:30.159 They're going after Trump for everything because I think they feel that they can get 724 00:58:30.280 --> 00:58:35.719 convictions easier because people don't like them. I mean, we're talking everything from 725 00:58:35.880 --> 00:58:47.599 sexual harassment to secret or classified documents to inciting an insurrection to what are the 726 00:58:47.719 --> 00:58:53.719 other things, you know, tampering with elections? I mean really, and 727 00:58:53.800 --> 00:59:00.159 then the New York people for committing fraud. It really does no, seriously, 728 00:59:00.440 --> 00:59:10.159 it does look like an absolute intentional way to get him off the ballot. 729 00:59:10.239 --> 00:59:15.199 I mean, and everyone who's prosecuted him, they're all Democrats, they 730 00:59:15.440 --> 00:59:20.199 all have promised to prosecute him. Some have it run on it, and 731 00:59:21.039 --> 00:59:27.000 it is clearly a way to try to keep him from running in the presidential 732 00:59:27.119 --> 00:59:30.360 race. It's crazy. And again, if you tuned in earlier, you 733 00:59:30.440 --> 00:59:35.920 know I'm not I'm not trying to tout anyone as a candidate or for a 734 00:59:36.000 --> 00:59:37.400 reason. I mean, I have my personal preferences, by the way, 735 00:59:37.400 --> 00:59:39.880 I don't think I don't, but I don't think I need to get on 736 00:59:39.960 --> 00:59:43.480 here to convince you one way or the other what to do. And I'm 737 00:59:43.519 --> 00:59:46.320 not going to change your mind anyway. But what I find odd is that 738 00:59:49.159 --> 00:59:52.079 they are really saying, did that occur to any of you? That what 739 00:59:52.239 --> 00:59:58.400 they're saying is we can't convict Biden. He's too nice. No, it 740 00:59:58.559 --> 01:00:01.199 wasn't too nice. It was too dumb. Yeah, that's right, that's 741 01:00:01.280 --> 01:00:06.519 exactly right. If they're saying that it would be too hard and the juries 742 01:00:06.519 --> 01:00:09.920 would take sympathy on him. So what theyre's But but aren't they saying in 743 01:00:10.039 --> 01:00:15.400 the opposite or in the reverse, that Trump is not sympathetic. Well, 744 01:00:15.480 --> 01:00:20.719 they're also saying that Trump hasn't. Whatever you think of Trump, whether you 745 01:00:20.840 --> 01:00:24.760 hate him, love him, or in between, he doesn't have any dementia 746 01:00:25.760 --> 01:00:30.079 the way Biden does. Of course they of course, but they're saying he's 747 01:00:30.159 --> 01:00:34.239 not sympathetic. Right. What I don't get over the presser last night. 748 01:00:34.480 --> 01:00:37.639 I assume a lot of people watched it. When Biden came out, I 749 01:00:37.719 --> 01:00:39.599 didn't know what he was going to do. I swear there was a part 750 01:00:39.639 --> 01:00:43.360 of me that I thought he was going to say he's not running again. 751 01:00:43.559 --> 01:00:45.480 I mean, I didn't know what was going on. But why not one 752 01:00:45.599 --> 01:00:52.199 person, including Peter Douschey? Is that right, Douchey dooceci Why they didn't 753 01:00:52.239 --> 01:00:54.119 ask him this? Hey, by the way, when did your son die? 754 01:00:54.480 --> 01:00:58.400 Or hey, by the way, where were those are the last country 755 01:00:58.480 --> 01:01:00.760 you were in besides the US? Or hey, what's your birthday? Not 756 01:01:00.960 --> 01:01:05.559 one of them had the balls to actually put him on the spot. I 757 01:01:05.639 --> 01:01:08.000 don't think he could answer the questions. See, he just denies everything anyway. 758 01:01:08.599 --> 01:01:12.119 He would go, oh, well, I just don't think that's even 759 01:01:12.159 --> 01:01:15.960 a fair question. Because the ghostwriter had access to the secret information to write 760 01:01:15.960 --> 01:01:21.679 the book. It's amazing. To your point, Tom, it's absolutely unbelievable 761 01:01:22.000 --> 01:01:28.800 how corrupt the United States of America is under this regime. Well, let's 762 01:01:28.840 --> 01:01:35.519 put it this way. You cannot deny. You cannot deny that the justice 763 01:01:35.599 --> 01:01:39.119 system has been weaponized. You cannot, Oh, my god, beyond belief 764 01:01:39.199 --> 01:01:43.920 that. I want to ask a question, and I don't mean to piss 765 01:01:44.000 --> 01:01:46.440 everyone off, but I'm asking a question. I swear to God, I've 766 01:01:46.559 --> 01:01:52.079 wondered this, Okay, I really have. I'm not placing blame. I'm 767 01:01:52.280 --> 01:01:58.920 asking why or when? And here's the question. We have to admit that 768 01:01:59.119 --> 01:02:07.719 this country is more divided, vehemently and violently and hatefully than it's ever has 769 01:02:07.800 --> 01:02:12.440 been. Okay, I mean, I personally feel that that hate is on 770 01:02:12.559 --> 01:02:17.480 both sides. But I have never seen more hateful and uninclusive people than people 771 01:02:17.639 --> 01:02:22.880 who preach not to hate and to be inclusive. That's my own feeling. 772 01:02:22.119 --> 01:02:27.840 However, we have to admit there's a lot of hate and a lot of 773 01:02:27.920 --> 01:02:30.880 division. It's different than it used to be. You used to be able 774 01:02:31.000 --> 01:02:37.800 to have a discussion with someone and there wasn't this hostility. When did that 775 01:02:37.960 --> 01:02:44.480 begin? I don't know. Vietnam War, no mark that. I mean, 776 01:02:44.559 --> 01:02:49.320 we had violent protests about the war. But I'm talking about liberals versus 777 01:02:49.800 --> 01:02:54.159 conservatives and how I mean where they're you know, I mean you know where 778 01:02:54.360 --> 01:03:00.000 look at you had? Didn't Shumer a call for the call out the dogs 779 01:03:00.039 --> 01:03:06.519 on the justices? Didn't a lot of liberals give out justice ards the whirlwind? 780 01:03:07.320 --> 01:03:09.360 Now here's what I want to know, though, When did this start? 781 01:03:09.760 --> 01:03:17.559 I personally feel it started right after Trump won against Hillary. That's when 782 01:03:17.639 --> 01:03:21.639 I thought, That's when I noticed it. We had some of it during 783 01:03:21.719 --> 01:03:28.400 Obama, but not like this. I think the Trump derangement syndrome. And 784 01:03:28.639 --> 01:03:34.880 also Trump himself is responsible. I think that with his name calling and his 785 01:03:36.239 --> 01:03:38.880 style after they said he was in a Russian hotel, Gillan, he thought 786 01:03:38.880 --> 01:03:44.280 about his style from the very beginning. His style. I think his style 787 01:03:44.800 --> 01:03:50.800 might have sparked people to do that or not. I'm just wondering, and 788 01:03:50.880 --> 01:03:54.440 I'm seriously wondering, when did it really get this bad? Because it is 789 01:03:54.559 --> 01:03:58.719 bad, Mark. I mean, there are families, for God's sakes, 790 01:03:58.800 --> 01:04:03.679 that break up because of discussions. I don't just say with Trump, Tom, 791 01:04:04.159 --> 01:04:08.039 what's that? It thought it was Trump? That's what I think. 792 01:04:08.079 --> 01:04:11.239 I think it's just because we're living that moment now. I think if you 793 01:04:11.360 --> 01:04:15.679 went back in time, I think I would disagree with you. I really 794 01:04:15.800 --> 01:04:23.159 do think when family Reagan versus Bush, do you think it was this vehemently 795 01:04:23.719 --> 01:04:29.119 but Reagan versus Bush that never happened. I'm sorry, not Reagan versus I'm 796 01:04:29.119 --> 01:04:31.400 sorry, I'm not talking in the Reagan No, I'm talking about the Reagan 797 01:04:31.480 --> 01:04:35.559 Bush erar. I mean, I mean, do you think that it was 798 01:04:35.639 --> 01:04:41.119 that way a senior Bush. I don't think it was during that period of 799 01:04:41.280 --> 01:04:46.320 time. But I would say during Gore versus Bush, that was massive. 800 01:04:47.559 --> 01:04:50.079 Yeah, that was pretty bad. But Mark, that was short lived once 801 01:04:50.639 --> 01:04:55.000 once Bush became president. I think that kind of, like most things, 802 01:04:55.079 --> 01:04:57.639 drifted away a little bit. Yeah, but people except to him as a 803 01:04:57.719 --> 01:05:00.920 president and they that's right. I agree with you. We didn't have the 804 01:05:01.039 --> 01:05:04.599 twenty four hour news cycle, and on top of that, even if we 805 01:05:04.719 --> 01:05:09.119 did have CNN and Fox and stuff like that, it still wasn't like it 806 01:05:09.239 --> 01:05:13.800 is now, and we sure as hell didn't have social media where everybody is 807 01:05:13.920 --> 01:05:18.840 glued to it like robots in doing whatever TikTok says to do. Yep, 808 01:05:19.280 --> 01:05:23.519 I know what you're saying. We got more coming up. I gotta take 809 01:05:23.559 --> 01:05:31.039 this break three O three seven one three eight two five five Go with a 810 01:05:31.119 --> 01:05:35.440 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 811 01:05:35.639 --> 01:05:43.440 until you're content. Time for an insurance check up free, no obligation. 812 01:05:43.480 --> 01:05:47.400 In comparison, call Compass Insurance paying too much your coverage at dozens of insurance 813 01:05:47.440 --> 01:05:50.920 companies find out now three O three seven to seven to one help. You'll 814 01:05:51.000 --> 01:05:55.719 think you're his only customer when you choose Frank durand the real estate Man dot 815 01:05:55.840 --> 01:06:00.559 com to list your home with Remax Alliance three all three nine two zero sixteen 816 01:06:00.599 --> 01:06:09.559 twenty two. Here Terry's got a comment on politics. But I was wondering 817 01:06:09.639 --> 01:06:13.559 when it went so south. Somebody suggested on YouTube one of our morons that 818 01:06:13.639 --> 01:06:17.719 it was maybe social media. Did it go ahead? What do you think? 819 01:06:17.840 --> 01:06:21.400 What's going on? Terry? O? Hey Tom, it's Jarrek calling 820 01:06:21.440 --> 01:06:26.280 him from Alaska. Just hear me out on this. I agree with both 821 01:06:26.280 --> 01:06:30.320 of you, Tom and Mark Aleen Moore with Mark on you know my politics 822 01:06:30.360 --> 01:06:34.360 and that, but I do believe it started with Trump. But the other 823 01:06:34.400 --> 01:06:38.400 thing you got to keep in mind is, you know we're talking. I 824 01:06:38.440 --> 01:06:42.119 can tell your passionate about he's just so mean with name calling. But think 825 01:06:42.159 --> 01:06:45.920 about this, if you're him, you're not in politics. People like what 826 01:06:45.039 --> 01:06:48.719 he stands up for, be like a safe country. You know, they're 827 01:06:48.800 --> 01:06:53.800 calling him the Orange Man. They're doing Saturday and Night live skits. So 828 01:06:54.039 --> 01:06:57.679 he's taking a lot of pressure from the media and he's got all of Hollywood 829 01:06:57.880 --> 01:07:00.159 coming against him. This guy has sticks again. But what is he doing 830 01:07:00.239 --> 01:07:04.360 for us? He's lowering taxes, he's protecting our country or we're not in 831 01:07:04.480 --> 01:07:09.320 a war. Our economy was booming. If he would have had another four 832 01:07:09.400 --> 01:07:14.400 years after the first floor and had all this stuff with coronavirus didn't start up, 833 01:07:14.800 --> 01:07:17.320 this would be a completely different narrative. I think he's the only guy 834 01:07:17.360 --> 01:07:20.679 that can turn around. I think the reason why there's trump Ism as not 835 01:07:20.960 --> 01:07:25.920 just Trump. I'm an independent, and it's not just conservatives or Republicans. 836 01:07:25.960 --> 01:07:29.079 It's because he's saying what a lot of us are saying he's just saying it 837 01:07:29.079 --> 01:07:31.280 with a lot more color. But he gets the job done. He does 838 01:07:31.440 --> 01:07:35.119 what we want. And I think that people are just fed up because most 839 01:07:35.159 --> 01:07:39.920 of the time Conservatives are Christians, we just don't say anything because we get 840 01:07:40.079 --> 01:07:42.440 oh, you're so judgmental if we say anything. And I think people are 841 01:07:42.480 --> 01:07:45.199 getting ticked off and are starting to stand up and have a voice, and 842 01:07:45.360 --> 01:07:48.480 we want our country back. I don't care what you do in your personal 843 01:07:48.559 --> 01:07:51.559 life, but then at the same time, don't tell me what to do. 844 01:07:51.639 --> 01:07:54.719 I want to work hard, I want to take care of my family, 845 01:07:55.159 --> 01:07:57.639 and I want to live in freedoms. We have rules, we have 846 01:07:57.880 --> 01:08:00.679 laws. We got to stop off the nonsense. I think that's why people 847 01:08:00.719 --> 01:08:04.920 are very passionate about Trump, because he has a void. He's speaking for 848 01:08:05.159 --> 01:08:11.199 us. Look, Terry, where in Alaska are you? I moved from 849 01:08:11.239 --> 01:08:14.480 Colorado. I was there for fourteen years. I live in Wascilla. I 850 01:08:14.639 --> 01:08:16.319 just got back from Washington, d C. But I live in Withasilla, 851 01:08:16.359 --> 01:08:20.119 Alaska, about fifty miles away from a bridge. Look, hey man, 852 01:08:20.239 --> 01:08:24.880 that's cool. So Terry, listen you you did make one comment that's really 853 01:08:24.960 --> 01:08:29.079 weird. You said you align more with Mark than I than me in politics. 854 01:08:29.239 --> 01:08:31.880 Here's what's really weird. Okay, if you really want to know the 855 01:08:32.000 --> 01:08:38.279 truth, Mark and I do not differ at all. I mean, you 856 01:08:38.359 --> 01:08:42.119 know we differ on the radio when I'm talking because he picks out part what 857 01:08:42.239 --> 01:08:45.760 I say when I try to bring up both sides. But what do you 858 01:08:45.960 --> 01:08:48.760 mean by that? I'm just curious what you mean by that. Well, 859 01:08:48.840 --> 01:08:50.800 when I listened, I listen to you every day. I love you, 860 01:08:51.000 --> 01:08:56.920 I love your joy. It seems like you're afraid to almost speak like how 861 01:08:57.039 --> 01:09:01.760 Mark speaks is terry, terry. It's not fear. What I feel is 862 01:09:02.319 --> 01:09:08.000 there are people listening, probably from both sides, and what I try to 863 01:09:08.079 --> 01:09:10.840 do, honest to God, is just try to bring up the other side. 864 01:09:10.920 --> 01:09:14.000 That's what I try to do. No, And I see that, 865 01:09:14.159 --> 01:09:17.199 Tom. But what I'm saying is when you're specifically asked marvels specifically, say 866 01:09:17.640 --> 01:09:20.479 Tom, how you feeling, sometimes I feel don't get a little don't get 867 01:09:20.560 --> 01:09:24.279 upset at me. But sometimes I feel like you get a little offend when 868 01:09:24.359 --> 01:09:27.199 Mark is just brain it wrong. It's like, yeah, Tom, what 869 01:09:27.319 --> 01:09:30.479 I like to hear is when you bee Tom and you just say, you 870 01:09:30.560 --> 01:09:32.840 know what, I'm an American. I stand up for this and this is 871 01:09:32.880 --> 01:09:36.520 how I feel instead of kind of well, and I do I do often 872 01:09:36.600 --> 01:09:42.000 do that. But what I try to do is simply is simply say why 873 01:09:42.159 --> 01:09:47.560 though, Oh, here's why Mark, because here's why. I socialize, 874 01:09:47.680 --> 01:09:53.920 and I read and I look and listen to so many different viewpoints that I 875 01:09:54.159 --> 01:09:59.239 think, you know, some of them should come to light because it's it's 876 01:09:59.279 --> 01:10:02.479 they're interesting. It's not that I'm trying to tell you ask me wrong. 877 01:10:02.720 --> 01:10:06.960 Go with a sure thing Denver's Best roofer Excel Roofing dot com. You don't 878 01:10:08.000 --> 01:10:14.760 pay a cent until you're content. Leave time for an insurance check up free 879 01:10:14.920 --> 01:10:19.520 no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance 880 01:10:19.560 --> 01:10:24.479 companies find out now three all three seven seven one help. You'll think you're 881 01:10:24.520 --> 01:10:28.399 his only customer when you choose Frank durand the real estate Man dot com to 882 01:10:28.520 --> 01:10:32.199 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 883 01:10:38.880 --> 01:10:47.840 Ripped of news you need so you don't have run anxiousness as you can. 884 01:10:49.119 --> 01:10:57.800 Shooter's Gonna help come dix Is the Troubleshooter Show, No Tom Martino. 885 01:10:58.520 --> 01:11:00.359 Hey, I'm Tom Martino, and I welcome you to the show. Three 886 01:11:00.479 --> 01:11:03.960 oh three seven to one three talk seven one three eight two five five. 887 01:11:04.000 --> 01:11:05.920 We're going to go right to the phones at his car day, but we'll 888 01:11:05.920 --> 01:11:09.680 take any and all calls. We have a couple of car calls as well. 889 01:11:10.000 --> 01:11:13.199 Let's go to Michael. He has a heater issue in a Nissan Rogue. 890 01:11:13.520 --> 01:11:15.159 Anything you people want to talk about, give us a call. We're 891 01:11:15.279 --> 01:11:20.319 always willing to take your call. And I have a story to tell you 892 01:11:20.640 --> 01:11:27.560 about a guy met last night who did an insurance check up with Compass. 893 01:11:28.399 --> 01:11:31.079 And you're not going to believe this story. Mark. He said, Compass 894 01:11:31.199 --> 01:11:39.680 proposed to him insurance that was three times as much then he was getting with 895 01:11:39.800 --> 01:11:43.640 American Family. And I said, how is that? And wait till you 896 01:11:43.760 --> 01:11:46.640 see and hear what I found out and the reasoning behind it. But first 897 01:11:46.720 --> 01:11:51.880 I want to go to Michael. What's going on? Michael? Yes, 898 01:11:53.119 --> 01:11:58.439 Tom, I got a twenty thirteen Tom, and U I mean from at 899 01:11:58.479 --> 01:12:02.079 a month there. Time I turned on my heater, it will make all 900 01:12:02.239 --> 01:12:06.159 kinds of rattling noise and ugly noise. But the air still come out and 901 01:12:06.199 --> 01:12:10.720 it would be hot. So this happened for like a whole month, and 902 01:12:10.800 --> 01:12:15.119 probably one day I just went off. It won't go back on. No 903 01:12:15.279 --> 01:12:17.159 heat, no air. When you said it went off, the heat went 904 01:12:17.239 --> 01:12:23.319 off, or the blower motor or what everything turned on? It was the 905 01:12:23.600 --> 01:12:27.760 flower motor went out. No heat, No does the air conditioning work? 906 01:12:28.800 --> 01:12:31.520 Nothing works? What do you guys think is going on here? He probably 907 01:12:31.640 --> 01:12:35.720 the blower motor was acting up and it finally just quit. Okay, Tom, 908 01:12:35.880 --> 01:12:40.720 I took the blower motor out. Sure enough, the fami was all 909 01:12:40.800 --> 01:12:45.640 wobbling and everything that was making noise. I replaced it. I replaced it, 910 01:12:45.680 --> 01:12:47.560 put it all back together, but turned on and I still don't got 911 01:12:47.680 --> 01:12:53.279 nothing. Well, that's probably because you didn't put it together. Well, 912 01:12:53.800 --> 01:12:56.560 you also have a resistor in there. You might have blown when the motor 913 01:12:56.680 --> 01:13:00.640 went so you got to look for the resistor or even if fuse at that 914 01:13:00.800 --> 01:13:03.079 point. Right, Well, the inside the box, there's a resistor. 915 01:13:03.800 --> 01:13:09.000 You get just a new blower. Is that all you got? I checked 916 01:13:09.000 --> 01:13:13.279 the fuses, the ant new blower in okay. So, but Kevin is 917 01:13:13.319 --> 01:13:15.800 saying there's a resistor too, And if it's shot or overheating or whatever. 918 01:13:15.840 --> 01:13:19.479 It's dead because that's what changes speeds in the fan is a resistor. So 919 01:13:19.600 --> 01:13:24.399 the resistor is what So when it was going out, it blew that because 920 01:13:24.439 --> 01:13:30.279 of the resistance exactly connected. I mean in the same piece with the ban. 921 01:13:30.560 --> 01:13:33.119 No, it's in the box, but it's it's a separate piece, 922 01:13:33.520 --> 01:13:36.279 and it's not like a fuse. It's like a big square thing. Yeah, 923 01:13:36.359 --> 01:13:40.119 it actually bolts into the box. It's probably two three bolts. You 924 01:13:40.199 --> 01:13:43.319 pull it out, it sticks into the air chamber itself. Oh oh, 925 01:13:43.520 --> 01:13:45.000 it's not in the fuse panels. Oh no, no, it's in the 926 01:13:45.079 --> 01:13:49.359 heater box. I got you. Okay, my heater, my my blower, 927 01:13:49.479 --> 01:13:54.600 everything's under my dash. Oh yeah, that's fun. And I bet 928 01:13:54.720 --> 01:13:58.840 it'll never sound the same driving down the road. Right, those clips break. 929 01:13:58.960 --> 01:14:01.039 I mean, it's really crazy, it is. Could it be a 930 01:14:01.119 --> 01:14:05.479 simple thing like a fuse? Probably not, he said, he checked him, 931 01:14:05.479 --> 01:14:12.159 but saying it's the resistor, I mean it's very common, extremely common. 932 01:14:13.359 --> 01:14:15.680 Okay, good check it, Michael. Let us know three oh three 933 01:14:15.920 --> 01:14:21.000 seven to one three talk seven one three eight two five five. Now, 934 01:14:21.680 --> 01:14:25.640 who's been waiting the longest hair? We have John, John, what's going 935 01:14:25.680 --> 01:14:30.680 on with you? John? Welcome? Hi Tom, hey man, what's 936 01:14:30.720 --> 01:14:38.720 going on? Being false? We perched. I'm a daycare owner up in 937 01:14:38.840 --> 01:14:42.560 Firestone, Frederick, Colorado, have been for ten years. I'm the only 938 01:14:42.680 --> 01:14:46.800 male probably in the northern Colorado who operates and runs daycare data. What are 939 01:14:46.840 --> 01:14:53.600 you being accused of? John? A child molestation from chick Oh my god? 940 01:14:54.920 --> 01:14:58.039 And the tickle is a kid that I've had for four years. It's 941 01:14:58.119 --> 01:15:02.159 on video in the school I've own the school resource officer for seven years on 942 01:15:02.319 --> 01:15:06.159 the family and to that school parents were brought in to see the video. 943 01:15:06.720 --> 01:15:12.399 They said there's nothing there. They actually told the CPS in the school that 944 01:15:13.159 --> 01:15:15.279 literally, if they died today that me and my wife have been more for 945 01:15:15.399 --> 01:15:18.039 them and their family, that I would get their kid. They have willed 946 01:15:18.039 --> 01:15:23.560 their kids to meet. Look, I got to ask them serious questions here, 947 01:15:23.680 --> 01:15:27.399 John, that is some serious stuff. So here's what I need to 948 01:15:27.479 --> 01:15:33.520 know. How did the charges come about? Did anyone complain? No? 949 01:15:34.000 --> 01:15:38.560 So I actually haven't been charged yet. There I'm in the middle of investigation. 950 01:15:38.920 --> 01:15:45.880 But why did they even start? Where did it all begin? Apparently 951 01:15:45.960 --> 01:15:48.520 in the office because I pick him up at one o'clock every day because they 952 01:15:48.600 --> 01:15:53.239 can't control him for a full day, so we sent him there for kindergarten. 953 01:15:53.279 --> 01:15:55.199 I have to go pick him up every day at one o'clock, which 954 01:15:55.239 --> 01:15:57.800 is inconvenient, but we did it because we love that family and I love 955 01:15:57.880 --> 01:16:00.199 that kid. I don't think you're understanding that, John, John, you 956 01:16:00.680 --> 01:16:06.319 really have to listen to us, okay, because because I'm asking, you 957 01:16:06.520 --> 01:16:12.199 picked the kid up every day, you take them to daycare. The parents 958 01:16:12.279 --> 01:16:15.760 pick them up when they're that when they're done with work. What I need 959 01:16:15.880 --> 01:16:24.479 to know is why did an investigation even begin. They don't just start investigations 960 01:16:24.560 --> 01:16:30.039 for nothing. Why did it begin? There's a Firestone resource officer who's inside 961 01:16:30.079 --> 01:16:34.000 the school called GPS and said that I got it kid, that's all wet. 962 01:16:34.039 --> 01:16:43.920 What did the resource officer say that made him suspicious of molestation? It's 963 01:16:44.000 --> 01:16:48.159 her. She said I was tickling his butt and and and did she say 964 01:16:48.319 --> 01:16:54.159 you were tickling hold on? He said you were tickling his butt in school 965 01:16:54.279 --> 01:16:58.960 when you picked him up or at your center. Yes, in school, 966 01:16:59.039 --> 01:17:01.960 as I picked up and supposedly all on film. Okay, so did you 967 01:17:02.199 --> 01:17:08.000 see the tape? Nope? I said they haven't charged this yet. I 968 01:17:08.079 --> 01:17:12.239 did retain a lawyer just because I don't trust cps. And that's twenty years 969 01:17:12.239 --> 01:17:15.960 I've been doing well. You have to retain a lawyer. You have to 970 01:17:15.039 --> 01:17:20.079 retain a lawyer. But right now they're investigating. You understand, John, 971 01:17:20.920 --> 01:17:28.079 this is devastating. They have to investigate obviously, this school resource officer. 972 01:17:28.159 --> 01:17:32.079 I want to ask you, do you think the school resource officer she is 973 01:17:32.279 --> 01:17:40.239 truly she is truly concerned or do you think she's just some wacko making trouble. 974 01:17:41.800 --> 01:17:44.800 I'm not going to make in trouble. Why, that's what I need 975 01:17:44.880 --> 01:17:47.039 to know. I don't know. I've always felt like she's given me a 976 01:17:47.119 --> 01:17:50.000 dirty look. I've never thought she was the best resource officer. Anyways, 977 01:17:50.520 --> 01:17:55.079 she's been really nice this year to my kids. So just kind of looked 978 01:17:55.119 --> 01:17:58.479 past it and then like everybody, But I don't understand. She said she 979 01:17:58.720 --> 01:18:05.119 went hold on, John, she said she witnessed you tickling this kid's button. 980 01:18:06.640 --> 01:18:13.199 Correct, Okay, now, uh no, I get it. Now. 981 01:18:14.439 --> 01:18:17.039 Was there something she did she confront you when she saw it? Or 982 01:18:17.119 --> 01:18:25.319 did she just make a complaint? She just made a complaint. Okay, 983 01:18:25.640 --> 01:18:29.319 Hey, John, I want to say one thing, John, you really 984 01:18:29.800 --> 01:18:32.560 should talk to your an attorney before you call a radio station. I think 985 01:18:32.640 --> 01:18:39.840 you're doing the dumbest possible thing anybody who's ever done well. This is some 986 01:18:40.079 --> 01:18:45.000 serious stuff for sure, Yes, sir, But John, I understand you're 987 01:18:45.039 --> 01:18:54.840 frustrated and you're but I find it difficult personally to believe someone someone wants to 988 01:18:54.920 --> 01:19:00.800 drag a kid and a person through these accusations. I'm not saying that it 989 01:19:00.000 --> 01:19:06.640 happened. I'm saying that maybe she believes something is happening. But here's the 990 01:19:06.760 --> 01:19:15.439 thing. If they're how old's the boy five, They're gonna probably talk to 991 01:19:15.520 --> 01:19:18.239 the parents and the boy, maybe have the boy talk to a psychologist or 992 01:19:18.479 --> 01:19:24.880 or someone. And then did they talk to you yet? No, they 993 01:19:24.920 --> 01:19:28.279 have talked to the boy, interviewed him privately that dad hasked to go in. 994 01:19:28.439 --> 01:19:32.279 They said no. And they've come to my two daycare centers. They've 995 01:19:32.399 --> 01:19:38.880 interviewed just kids so far, three and five year olds with super leading questions 996 01:19:39.840 --> 01:19:42.560 and then no talking to any of the parents. Most of the parents have 997 01:19:42.680 --> 01:19:46.680 reached out to him. They haven't interviewed a staff member yet. Okay, 998 01:19:47.239 --> 01:19:50.199 John, five year old little kid, John, They're going through the motions 999 01:19:50.279 --> 01:19:56.119 they have to go through. Are you assuming they're looking for trouble too? 1000 01:19:56.520 --> 01:20:01.279 Or tell me why you're calling. I'm calling because I was I'm really good 1001 01:20:01.319 --> 01:20:05.640 friends with your buddy Carlow, So I was chatting with Carlow and I was 1002 01:20:05.840 --> 01:20:09.680 just I've had a lot of parents reaching out to me telling me that they 1003 01:20:09.720 --> 01:20:12.239 should make we should make this a story because if out of the female, 1004 01:20:12.319 --> 01:20:15.279 right well, well you should. If you're accused and you're falsely accused right 1005 01:20:15.399 --> 01:20:21.039 now, you're not being accused by by anyone except this school resource officer. 1006 01:20:23.520 --> 01:20:29.079 I just here's what I'm thinking. If there is a well, if there 1007 01:20:29.199 --> 01:20:33.119 is a video, huh, this video is going to tell all. Did 1008 01:20:33.199 --> 01:20:41.880 your attorney ask for the video? He apparently hasn't asked yet because I haven't 1009 01:20:41.920 --> 01:20:49.079 been physically charged. Okay, I get what you're saying. How did you 1010 01:20:49.239 --> 01:20:54.319 find I don't want any names of school Listen, I don't want any names 1011 01:20:54.399 --> 01:20:59.079 of schools or people or kids or attorneys, but I need to know. 1012 01:20:59.359 --> 01:21:06.520 How did you find the attorney through another friend who is a criminal attorney that 1013 01:21:06.600 --> 01:21:10.359 I would normally use, but since I thought it was criminal civil, he 1014 01:21:10.479 --> 01:21:14.920 had made some referrals, and I called a few different lawyers, which all 1015 01:21:15.079 --> 01:21:20.000 were depressed because they said this is the worst agency to work with. But 1016 01:21:20.920 --> 01:21:25.960 then I found him through two referrals. He's been up in that area for 1017 01:21:26.079 --> 01:21:28.840 forty two years, in that Weell County lay in my area. So if 1018 01:21:28.840 --> 01:21:33.840 he supposedly knows the right people, well, first of all, it is 1019 01:21:34.039 --> 01:21:43.119 unfortunate Weld County is corrupt. But that doesn't mean I can't see them falsely 1020 01:21:43.239 --> 01:21:47.720 accusing someone just to make their lives miserable. Here's the problem with child molestation, 1021 01:21:48.279 --> 01:21:54.800 the real big problem. I'm talking about accusations. If it did not 1022 01:21:55.079 --> 01:22:00.239 happen, and you're truly falsely accused, your life is still ruined. Yeah, 1023 01:22:00.319 --> 01:22:04.159 that's what I'm trying to say. Right now, Now have you here's 1024 01:22:04.199 --> 01:22:13.039 the Here's the most important thing. Is your record one clean of all problems 1025 01:22:15.319 --> 01:22:20.760 other than a couple I think college twenty five seven years ago. Of what 1026 01:22:24.760 --> 01:22:29.680 of They're all misdemeanors. There was like assault, drop to harassment. I 1027 01:22:29.800 --> 01:22:32.880 was a free sport athlete, Okay, in a couple of Okay, I 1028 01:22:32.960 --> 01:22:35.560 get it, that's okay. I'm not talking about that. That's good. 1029 01:22:35.680 --> 01:22:39.600 I mean, that's not good, but that's okay. Okay, listen, 1030 01:22:39.680 --> 01:22:44.399 Let's try hold on a second. Let's try to get Joela's earra on if 1031 01:22:44.439 --> 01:22:47.600 we can, please, I just want him to at least have a second 1032 01:22:47.680 --> 01:22:53.479 opinion. Three oh three seven one three talk seven one three eight two five 1033 01:22:53.600 --> 01:22:57.600 five. We'll get Joela's arra on Compass and oh, Ideal Home Loans is 1034 01:22:57.680 --> 01:23:00.960 still doing loans. Okay, of course people are buying homes. The best 1035 01:23:01.000 --> 01:23:04.720 thing about Ideal the interest rate guarantee of rates go down, they refinanci you 1036 01:23:04.800 --> 01:23:15.399 free of charge. Go with a sure thing Denver's best roofer Excel Roofing dot 1037 01:23:15.479 --> 01:23:20.720 com. You don't pay a cent until you're content. Wait time for an 1038 01:23:20.720 --> 01:23:26.359 insurance check up free, no obligation. In comparison, call Compass Insurance paying 1039 01:23:26.399 --> 01:23:30.479 too much your coverage at dozens of insurance companies find out now three all three 1040 01:23:30.600 --> 01:23:32.960 seven to seven to one. Help. You'll think you're his only customer when 1041 01:23:33.000 --> 01:23:36.680 you choose Frank durand the real estate Man dot com to list your home with 1042 01:23:36.840 --> 01:23:44.319 Remax Alliance three all three nine two zero sixteen twenty two A hight Tom Martino, 1043 01:23:45.039 --> 01:23:51.880 You're troubleshooter three oh three seven one three talks. So we don't have 1044 01:23:51.960 --> 01:23:58.359 an attorney available right now to talk about this, and it really is terrible, 1045 01:23:58.439 --> 01:24:01.800 John, But all I can say is this, at this point, 1046 01:24:02.039 --> 01:24:05.800 we will get an attorney and get you on again. At this point, 1047 01:24:06.319 --> 01:24:11.640 cooperate, but do what your attorney says. If you have a criminal defense 1048 01:24:11.720 --> 01:24:15.720 attorney, do what he says. What does he say to do right now? 1049 01:24:17.479 --> 01:24:21.159 He just says the way to see if it gets dropped or if it's 1050 01:24:21.399 --> 01:24:25.920 if they decide to charge you with anything. That's what you really need to 1051 01:24:26.000 --> 01:24:30.239 do. Do you realize what Mark said previously about calling us. What he 1052 01:24:30.319 --> 01:24:36.319 meant was this, let's say they find no reason to charge you. But 1053 01:24:36.560 --> 01:24:42.840 before that happened, you went on radio and TV bitching about the fact that 1054 01:24:42.880 --> 01:24:48.840 they're investigating you. You're always going to be looked at as a suspect in 1055 01:24:49.000 --> 01:24:58.039 child molestation, even if even if you were never charged. So what I 1056 01:24:58.159 --> 01:25:02.279 would do if I were you right now is weight to fir see. But 1057 01:25:02.479 --> 01:25:05.560 we can talk to a defense attorney and get you back on if you want, 1058 01:25:05.760 --> 01:25:11.960 just just to make sure you're doing everything correctly. Three zero three seven 1059 01:25:11.960 --> 01:25:15.079 to one to three talks seven one three eight two five five Trace has an 1060 01:25:15.079 --> 01:25:19.119 engine issue with a ninety six dodge Ram. Well that's the issue right there. 1061 01:25:19.600 --> 01:25:23.319 It's a ninety six dodge Ram. How many miles on a Trace? 1062 01:25:24.960 --> 01:25:29.199 Actually it's only two hundred and forty three thousand, but this wa wait on 1063 01:25:29.399 --> 01:25:33.319 that engine? Yeah, yeah, but it's the old twelve valves. They're 1064 01:25:33.399 --> 01:25:38.359 million mile engines. Well is that true? Guys? Is that ninety six 1065 01:25:38.520 --> 01:25:43.600 dodge Ram a million mile engine? Is it diesel? Oh? Okay, 1066 01:25:45.399 --> 01:25:49.960 So what's going on? Man? Well? I blee the turbo. It 1067 01:25:50.039 --> 01:25:55.039 went out because of age, as something do, and so it wasn't a 1068 01:25:55.079 --> 01:26:00.119 big deal. I just replaced it with the outer store one and and basically 1069 01:26:00.239 --> 01:26:03.960 got it in. Everything's working fine for a couple of minutes, and then 1070 01:26:04.000 --> 01:26:09.319 I start having really bad oil bowl by and I'm trying to figure out really 1071 01:26:09.359 --> 01:26:13.840 what's going on with it. I'm doing troubleshooting, oil going to it, 1072 01:26:14.119 --> 01:26:19.720 the oil return tubes completely clear, everything's spinning fine. Nothing's going on that 1073 01:26:19.800 --> 01:26:23.760 I could tell from troubleshooting. So I'm like, okay, you know what, 1074 01:26:24.000 --> 01:26:26.239 I'm going to go ahead and get it to a local shop and have 1075 01:26:26.399 --> 01:26:30.000 them trouble shoot it to see what I'm missing. So take a local shop, 1076 01:26:30.279 --> 01:26:34.359 have it towed in, and they proceed to call me and tell me 1077 01:26:34.640 --> 01:26:40.840 that they tried to tell troubleshoot it. They started it. It basically had 1078 01:26:41.119 --> 01:26:45.840 like a runaway engine, and they set my engines right now. We had 1079 01:26:45.920 --> 01:26:48.640 one of these, tom not I mean it was in Colorado Springs. I 1080 01:26:48.840 --> 01:26:54.119 remember it on the Mercedes and it was pretty new. It was a sprinter 1081 01:26:54.319 --> 01:26:58.520 vey it was, and it ran away at the shop. I don't remember 1082 01:26:58.680 --> 01:27:01.680 how it got into gear, but it got into gear it hit something. 1083 01:27:01.760 --> 01:27:09.760 But more importantly, the engine revved up so much it blew. Now trace, 1084 01:27:10.600 --> 01:27:13.319 what do you think is going to get into gear? But they're saying 1085 01:27:13.359 --> 01:27:15.680 it went over like eight thousand rpm. Yeah, what do you think? 1086 01:27:16.560 --> 01:27:24.239 Are you blaming anyone for this? I really have no idea what to really 1087 01:27:24.319 --> 01:27:28.600 think on this. So I got me right away. Why why replace the 1088 01:27:28.760 --> 01:27:33.479 runaway if you replaced the turbo for you, I'm sorry say that again? 1089 01:27:33.680 --> 01:27:39.680 Who replaced the turbo? I did it? Okay, there is very clear 1090 01:27:39.800 --> 01:27:42.920 literature. Plus I did my research, make sure that I prelived it, 1091 01:27:43.079 --> 01:27:45.720 made sure there was oil getting to it, made sure the return tub was 1092 01:27:45.840 --> 01:27:50.600 clear. Basically, I double checked everything. Okay, when did it run 1093 01:27:50.640 --> 01:27:56.680 away when you started it up? No? At the shop? So okay, 1094 01:27:56.960 --> 01:27:59.760 when you were getting you were getting let me get this strengthen trace. 1095 01:28:00.239 --> 01:28:04.159 After you installed it and was getting blow by, you took it to a 1096 01:28:04.279 --> 01:28:10.159 shop to check it. Yeah, and when you took it to the shop, 1097 01:28:10.319 --> 01:28:15.640 that's where the overrevving happened. That's what they're telling me. It was 1098 01:28:15.720 --> 01:28:19.640 just supposed to be a simple diagnostics. And are they saying they did not? 1099 01:28:20.680 --> 01:28:25.920 What are they saying? Are they not taking responsibility? Guys, chime 1100 01:28:26.000 --> 01:28:30.119 in on this. Is it their fault that had over revveed? Well, 1101 01:28:30.439 --> 01:28:32.479 it can if there's an excess oil and fuel that gets in there, they 1102 01:28:32.520 --> 01:28:35.479 got to be careful with that because there's no spark. You can't just could 1103 01:28:35.520 --> 01:28:40.039 the excess fuel and oil get in there due to his installation or was it 1104 01:28:40.159 --> 01:28:44.319 something they did wrong. That's the you're gonna have to determine that. That's 1105 01:28:44.359 --> 01:28:45.960 the hard part. Now. Yeah, a diesel engine will run on oil, 1106 01:28:46.000 --> 01:28:48.359 it'll fire it off and once it gets going, the only thing you 1107 01:28:48.399 --> 01:28:51.560 can do is try to choke out the air. Yep. But why does 1108 01:28:51.600 --> 01:28:56.199 it over rev Why doesn't it just idle? It just keeps feeding itself. 1109 01:28:56.399 --> 01:29:00.760 Yeah, the oil is not being monitored or meter, it's just there's no 1110 01:29:00.039 --> 01:29:04.039 throttle body. No, well it's all bypassed. Then there's no sparks. 1111 01:29:04.119 --> 01:29:08.319 You can't just turn the key off. I get it. Does that ever 1112 01:29:08.439 --> 01:29:11.520 happen when someone's in gear, like going down the highway and all of a 1113 01:29:11.560 --> 01:29:14.399 sudden they're doing one hundred? You can get kind happen over the road truck 1114 01:29:14.479 --> 01:29:17.520 if you can actually pull up YouTube videos see these guys pull over the side 1115 01:29:17.520 --> 01:29:20.600 of the road. You'll sometimes have fire coming out the stacks. But where, 1116 01:29:24.560 --> 01:29:27.560 oh my god, where where is the oil being fed from? It 1117 01:29:27.640 --> 01:29:30.359 could be coming past the old control rings. You've cracked the oil control ring. 1118 01:29:30.560 --> 01:29:31.800 It'll sit there feet itself, right out of the crank case. Yep. 1119 01:29:32.680 --> 01:29:36.359 So with two hundred, here's the problem trace you know. I know 1120 01:29:36.520 --> 01:29:40.640 everyone says they got a million mile engine, but it's two hundred and forty 1121 01:29:40.720 --> 01:29:45.960 thousand. This blowby and stuff could be happening and have nothing to do with 1122 01:29:45.079 --> 01:29:48.359 the shop. I think you would have a hell of a time trying to 1123 01:29:48.439 --> 01:29:54.199 prove the shop did it what you just did your own turbo. What do 1124 01:29:54.279 --> 01:29:59.880 you guys think it'd be a real uphill climb. Yes, how much? 1125 01:30:00.600 --> 01:30:13.560 Let me rebuild that engine? I honestly don't fifteen all right, they told 1126 01:30:13.600 --> 01:30:16.760 me sixteen thousand, but you could use ones for anywhere from three to six 1127 01:30:16.800 --> 01:30:21.119 thousand. Ye are you let me ask you something, Trace, I'm just 1128 01:30:21.239 --> 01:30:26.199 gonna ask you straight up, what do you think the shop did wrong? 1129 01:30:28.640 --> 01:30:32.680 Really? At this point, I'm kind of looking for suggestions on a reputable 1130 01:30:32.840 --> 01:30:38.319 place to take it to to actually give me real answers on even what the 1131 01:30:38.399 --> 01:30:43.640 heck happened? Okay, where Wait a second, So let's say they brought 1132 01:30:43.680 --> 01:30:46.239 it over to you, Kevin or Jeff or a diesel shop. What would 1133 01:30:46.279 --> 01:30:50.079 they do to actually figure out, now that the engines toast, why it 1134 01:30:50.199 --> 01:30:54.800 revved up like that? How would you even go afterward? Try to determine 1135 01:30:54.840 --> 01:30:58.000 where the oil or where the fuel came from, if it was caused by 1136 01:30:58.319 --> 01:31:00.319 something. Well, let's say be able to prove anything. Let's say it 1137 01:31:00.359 --> 01:31:03.199 came from the turbo. What does that mean they may not be able to 1138 01:31:03.279 --> 01:31:09.479 prove anything. Yeah, well, but then at this point they weren't even 1139 01:31:09.560 --> 01:31:12.600 able to tell me anything of what was wrong with the engine or anything like 1140 01:31:12.760 --> 01:31:15.600 that. So I don't even know sure at this point. So Trace, 1141 01:31:15.960 --> 01:31:19.880 here's a I don't think you're ever going to be able to pin it on 1142 01:31:20.000 --> 01:31:25.680 them period. If you want a reputal spot, where are you located in 1143 01:31:25.800 --> 01:31:30.159 the Littleton area? Guys, Mark, do we have some really good diesel 1144 01:31:30.279 --> 01:31:34.159 people? No, we don't, But I still want to go back to 1145 01:31:34.279 --> 01:31:36.960 this. I mean, I don't know what he expects to get out of 1146 01:31:38.039 --> 01:31:42.560 it. I just don't know you fixed. Yeah, Okay, well let's 1147 01:31:42.560 --> 01:31:45.239 say. Well, no, I'm saying if you brought it over to someone, 1148 01:31:45.399 --> 01:31:46.680 at minimum, they're going to have to tear it down to do some 1149 01:31:46.920 --> 01:31:51.159 kind of I don't know, some diagnostics to figure out what happened. I 1150 01:31:51.239 --> 01:31:56.960 mean, you could be thousands and thousands deep into figuring out what happened. 1151 01:31:57.199 --> 01:32:00.319 And once you do figure out what happens, that sure is hell. Doesn't 1152 01:32:00.319 --> 01:32:03.279 mean the shop's going to give you anything, but it's most likely from the 1153 01:32:03.359 --> 01:32:10.680 turbo installation. It's awful coincidence if that's not the problem. Yes, So 1154 01:32:10.920 --> 01:32:15.399 Trace, I'm so Mark, who do we have as a good diesel shop? 1155 01:32:15.239 --> 01:32:17.720 These guys would know better than the one that I use. And you 1156 01:32:17.800 --> 01:32:21.760 know Mark cast Iron, Oh yeah, cast Iron they have the tow truck 1157 01:32:21.800 --> 01:32:29.640 company too, but yeah they are good Diesel mechanics. Okay, I mean, 1158 01:32:29.760 --> 01:32:32.000 listen, man, this is a terrible situation. But I wouldn't get 1159 01:32:32.039 --> 01:32:36.119 my home getting any reimbursement. What did the shop say to you, like 1160 01:32:36.520 --> 01:32:42.239 so sad, too bad? Or what? Pretty much? That was it? 1161 01:32:42.520 --> 01:32:45.319 And it's really I didn't know. I took it in to get a 1162 01:32:45.359 --> 01:32:48.840 diagnostic for a reason. I wanted to find out what the heck was going 1163 01:32:48.920 --> 01:32:53.239 on. And instead of finding out what was going on, look, man, 1164 01:32:54.239 --> 01:32:57.479 I don't think it matters. So listen, I want to re emphasize 1165 01:32:57.560 --> 01:33:00.479 this point. You bring it there, you drop it off, go out 1166 01:33:00.560 --> 01:33:03.039 to bring it into the shop, they turn it on and for whatever reason, 1167 01:33:03.119 --> 01:33:09.279 and who cares the engine over revs and destroys itself. How in any 1168 01:33:09.600 --> 01:33:14.880 how, in any circumstances, is their problem? Hasn't It isn't It isn't 1169 01:33:15.159 --> 01:33:18.319 And why would you drave on thousands of dollars to figure out you're getting crap? 1170 01:33:18.800 --> 01:33:21.680 Gotta take this break three oh three seven one three talks seven one three 1171 01:33:21.800 --> 01:33:31.039 A two fivety five Go with a sure thing. Denver's Best roofer excel roofing 1172 01:33:31.159 --> 01:33:39.079 dot com you don't pay a cent until you're content. Time for an insurance 1173 01:33:39.199 --> 01:33:44.640 check up free no obligation comparison call Compass Insurance paying too much your coverage at 1174 01:33:44.680 --> 01:33:47.159 dozens of insurance companies find out now three oh three, seven to seven to 1175 01:33:47.199 --> 01:33:50.960 one help. You'll think you're his only customer when you choose Frank durand the 1176 01:33:51.000 --> 01:33:56.520 real estate man dot com to list your home with Remax Alliance three oh three 1177 01:33:56.640 --> 01:34:04.840 nine two zero sixteen twenty two. Hi Tom Martine here three all three seven 1178 01:34:05.079 --> 01:34:12.720 one three talk seven one three eight two five five going to the phones, 1179 01:34:12.880 --> 01:34:15.880 trying to solve your problem. Trace, Well, I don't know who we 1180 01:34:15.960 --> 01:34:18.640 can solve us from. I mean, we're done on that one. I 1181 01:34:18.680 --> 01:34:20.800 think, guys, what do you think? I think? So? I 1182 01:34:20.880 --> 01:34:25.159 mean, go to cast Iron, see what they can find out. Let's 1183 01:34:25.279 --> 01:34:30.760 move on. And next would be Sonny, Sonny, what's going on with 1184 01:34:30.880 --> 01:34:36.279 your twenty eighteen Mazda? Three? Sonny, My son bought a car at 1185 01:34:36.439 --> 01:34:43.239 the Ralph Schamp Mazda dealership and he took it in. He bought it maybe 1186 01:34:43.439 --> 01:34:47.079 like a month ago new and that then no, the twenty eighteen right, 1187 01:34:48.079 --> 01:34:53.359 yes, it's used. And then he took it in because he purchased them 1188 01:34:53.439 --> 01:34:56.359 to get his windows to it. So he took it to the dealership. 1189 01:34:57.119 --> 01:35:00.279 They asked him to leave it overnight, becau they weren't able to work on 1190 01:35:00.399 --> 01:35:03.359 it on the weekend, so he had to work the next day, so 1191 01:35:03.520 --> 01:35:09.159 he dropped it off after work at night, dropped it off the next day. 1192 01:35:09.479 --> 01:35:11.960 They said they were going to have it ready, but the next day 1193 01:35:12.159 --> 01:35:15.920 when they called him, they said that their car garage where they put all 1194 01:35:15.960 --> 01:35:20.680 the cars to get serviced, got broken into, and they left his keys 1195 01:35:20.800 --> 01:35:25.399 in the car and they stole it. You know, Tom, we get 1196 01:35:25.520 --> 01:35:30.079 this call. The circumstances might be different, but this call on liability we 1197 01:35:30.239 --> 01:35:34.359 get so often with shops. It's crazy. Now. I want to explain 1198 01:35:34.399 --> 01:35:38.239 a couple of things to you, Sonny, because people don't like when this 1199 01:35:38.399 --> 01:35:43.680 happens. They don't like my answer. In most cases case, Sonny, 1200 01:35:45.000 --> 01:35:49.960 the garage is not liable for crime. Okay. I know you added the 1201 01:35:50.039 --> 01:35:55.439 little part about them leaving the keys in it. It doesn't really matter because 1202 01:35:55.560 --> 01:35:59.840 they locked it inside a garage. Okay. Had they left the keys in 1203 01:35:59.880 --> 01:36:02.079 it outside, that would have been stupid and they would have been liable. 1204 01:36:03.199 --> 01:36:09.199 That the fact that is the car was locked up and it was a theft. 1205 01:36:09.399 --> 01:36:13.319 Now, did they steal more than that car? No, that was 1206 01:36:13.359 --> 01:36:16.960 the only car they stole. Okay, Now how many cars were inside? 1207 01:36:17.000 --> 01:36:21.800 Do you know? Just his? Well then that's the reason, right, 1208 01:36:21.960 --> 01:36:29.399 there was only one car. Now, the argument could be made it wouldn't 1209 01:36:29.399 --> 01:36:33.239 have been stolen had the keys been locked up. That could be made. 1210 01:36:33.640 --> 01:36:38.560 Okay, that could be one area. Well wait a second, let's just 1211 01:36:38.720 --> 01:36:42.039 ask our guys here. Hey, when you have a car overnight or even 1212 01:36:42.119 --> 01:36:44.800 during the day, and it's in the shop, where are the keys to 1213 01:36:44.880 --> 01:36:46.680 the car in the car? In the car? Where else would they be? 1214 01:36:47.399 --> 01:36:49.920 Okay? Good, Well, I don't know. I thought maybe they 1215 01:36:49.960 --> 01:36:53.760 have a lock box where they hang it. I don't know. I don't 1216 01:36:53.800 --> 01:36:57.720 know. But here's the thing. They just said. The standard of the 1217 01:36:57.840 --> 01:37:00.199 industry is to put the key in the car. So I'm going to ask 1218 01:37:00.279 --> 01:37:08.560 them another question, both of them. If your shop was broken into and 1219 01:37:08.960 --> 01:37:12.640 they took the car, would your insurance cover it? No? Nope, 1220 01:37:13.399 --> 01:37:17.399 okay, because it's a theft. Right if you left your door wide open 1221 01:37:17.720 --> 01:37:20.239 and it stole, what would happen? Yeah, we'd be on the hook 1222 01:37:20.279 --> 01:37:27.560 for it. Okay, now here's what I here, Sonny. I'm assuming 1223 01:37:27.720 --> 01:37:32.039 the car was insured. It was, but they're not claiming liability either. 1224 01:37:33.239 --> 01:37:38.399 What do you mean who's not claiming liability? It was insured by your who? 1225 01:37:38.479 --> 01:37:43.600 Did you have it insured by Gary LYMB? What do you mean they're 1226 01:37:43.640 --> 01:37:47.319 not taking responsibility? Maybe she's saying they don't have that coverage. Well, 1227 01:37:47.359 --> 01:37:51.520 of course, do you have comprehensive coverage? Yes, he had to get 1228 01:37:51.560 --> 01:37:57.239 full coverage to get the car. Well then, how okay? For what 1229 01:37:57.600 --> 01:38:01.439 reason are they turning down the claim? They said they can only hold the 1230 01:38:01.520 --> 01:38:06.079 person who stole it liable until they find that person. Then they can't do 1231 01:38:06.239 --> 01:38:12.800 anything. No, wait, wait, wait, wait, Sonny, if 1232 01:38:12.880 --> 01:38:16.960 you have theft insurance, they said, until they find the person who did 1233 01:38:17.000 --> 01:38:24.239 it, they can't cover the claim. Yes, well they're wrong. Okay, 1234 01:38:24.439 --> 01:38:28.479 we need someone to help this woman out. I want to hear someone 1235 01:38:28.640 --> 01:38:33.600 from dairy Land Insurance. I want to hear someone some moron at Dairyland actually 1236 01:38:33.840 --> 01:38:40.439 say we can't cover this until we find the person who did it. Wait, 1237 01:38:40.560 --> 01:38:43.960 what do you mean did he put in a claim for a stolen car? 1238 01:38:45.199 --> 01:38:49.159 He did? Who did he put the claim in with? With his 1239 01:38:49.600 --> 01:38:54.199 I guess. The insurance adjester called my son back and told him they will 1240 01:38:54.239 --> 01:38:59.520 not claim to cover up. Let's was on, what's that, Mark, 1241 01:38:59.640 --> 01:39:03.079 Let's get someone from Compass on. Yeah, okay, let's do that. 1242 01:39:03.199 --> 01:39:08.640 That's a good idea. Hold on, this is I mean, I've just 1243 01:39:08.760 --> 01:39:13.479 never heard something more absurd in my entire life ever, ever, ever, 1244 01:39:13.760 --> 01:39:18.319 ever, ever. I mean it's it's a crime, it's a stolen car. 1245 01:39:18.680 --> 01:39:24.319 If he has coverage, they better come through. There could be a 1246 01:39:24.439 --> 01:39:29.199 bad faith claim here, for God's sakes, Oh my god. I mean, 1247 01:39:29.640 --> 01:39:33.960 it's it's just it just befuddles me. How many morons we have in 1248 01:39:34.159 --> 01:39:39.560 insurance? Tom, shouldn't we first find out to be sure he has comprehensive 1249 01:39:41.199 --> 01:39:45.960 I'm assuming you have the right coverage. Otherwise why would they say, Han, 1250 01:39:46.119 --> 01:39:50.079 they have to have full coverage to leave with the car with the loan 1251 01:39:50.199 --> 01:39:54.920 on it. But yeah, they do, Yes, they do. But 1252 01:39:55.159 --> 01:39:59.800 did he get full coverage? I mean his dairy land the name of the 1253 01:40:00.319 --> 01:40:06.720 it is. Did you talk to dairy Land? I did not, because 1254 01:40:06.760 --> 01:40:12.039 I've never heard of such thing. It's so ridiculous. There's no way it's 1255 01:40:12.079 --> 01:40:15.079 happening. That's where I keep coming back to. I mean, can you 1256 01:40:15.199 --> 01:40:19.720 imagine if your car is stolen and you have comprehensive coverage until you have your 1257 01:40:19.800 --> 01:40:25.479 car back, there's no coverage it. It makes no sense, Sonny. 1258 01:40:25.560 --> 01:40:29.119 They said, until we find the person liable, we can't cover you. 1259 01:40:30.119 --> 01:40:33.600 M m. They actually found the car, okay, what did they say? 1260 01:40:34.600 --> 01:40:41.359 So the insurance suggester went and then he released it to Ralph Schant Mazda. 1261 01:40:42.359 --> 01:40:45.079 What did the insurance adjuster go for? Wait a minute, wait wait, 1262 01:40:45.159 --> 01:40:48.359 sonny, wait a minute. Why did the insurance adjuster even look at 1263 01:40:48.399 --> 01:40:53.119 the car but they're not going to cover it. I don't know. They 1264 01:40:53.199 --> 01:40:58.279 went and looked at it at the where they got it, towed the Denver 1265 01:40:58.439 --> 01:41:03.479 policef and and then I guess he I don't know what it was the car 1266 01:41:03.680 --> 01:41:08.039 damage, Sonny, Sonny? Was the car damage? All the tires, 1267 01:41:08.319 --> 01:41:15.399 all the tires were flat, and then they ripped the interior and they're saying 1268 01:41:15.439 --> 01:41:21.840 that they're not going to cover any of that. Uh huh. And then 1269 01:41:23.680 --> 01:41:27.079 the dealership hold on, I got to take a break. We need to 1270 01:41:27.159 --> 01:41:30.600 call Compass insurance. This is getting even weirder. You weren't completely straight with 1271 01:41:30.720 --> 01:41:34.159 us. We didn't know they recovered the car, but still they should fix 1272 01:41:34.239 --> 01:41:43.239 the damage. Hold on, I'm Tom Martino. Go with a sure thing 1273 01:41:43.399 --> 01:41:46.800 Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 1274 01:41:46.880 --> 01:41:54.800 content. Time for an insurance check up free, no obligation. In comparison, 1275 01:41:54.960 --> 01:41:59.760 call Compass Insurance paying too much your coverage at dozens of insurance companies find 1276 01:41:59.800 --> 01:42:02.159 out now three all three seven seven to one. Help You'll think you're his 1277 01:42:02.359 --> 01:42:06.279 only customer when you choose Frank durand the real estate man dot com to list 1278 01:42:06.359 --> 01:42:11.760 your home with Remax Alliance three all three nine two zero sixteen twenty two. 1279 01:42:14.319 --> 01:42:19.079 Hey, I'm Tom Martino, your trouble shooter three all three seven one three 1280 01:42:19.159 --> 01:42:24.520 talk seven one three eight two five five Did we get Compass on yet? 1281 01:42:24.560 --> 01:42:27.840 Man? We got to talk to them. I mean it's really important. 1282 01:42:29.319 --> 01:42:38.520 So let's talk to Ken with repossession. Ken, what's going on? A 1283 01:42:38.680 --> 01:42:44.600 friend of mine? Uh lost her job and then got her car repossessed? 1284 01:42:45.520 --> 01:42:53.640 Yeah? Did she miss pen? It's Ken? Yes, okay, And 1285 01:42:53.800 --> 01:43:00.199 what's going on with that problem? Right now? Well? I was the 1286 01:43:00.279 --> 01:43:04.600 co signer on the loan. Oh my god, you're going to be responsible 1287 01:43:05.159 --> 01:43:08.800 in fact, it could be. It could be way worse than you think. 1288 01:43:08.920 --> 01:43:13.000 She probably overpaid. And what they're going to do after the repossession is 1289 01:43:13.079 --> 01:43:15.319 eventually sell it, and they're not going to sell it for much. Then 1290 01:43:15.319 --> 01:43:19.520 they're going to apply that to the loan and whatever's left over, Ken is 1291 01:43:19.600 --> 01:43:25.640 holding the bag. It's called the deficiency, and they can go after either 1292 01:43:25.840 --> 01:43:30.640 of you. Right, So let me ask you a few things. First 1293 01:43:30.680 --> 01:43:33.960 of all, did you know she was in trouble at all with the payments? 1294 01:43:41.720 --> 01:43:45.960 Yes, you know, after a after she missed a couple of payments, 1295 01:43:45.000 --> 01:43:47.520 I got to notice and I knew, you know, that's when I 1296 01:43:47.560 --> 01:43:50.119 found out, you know, I asked her about it and she said she 1297 01:43:50.239 --> 01:43:56.640 lost her job, and you know that's when I knew, uh that she 1298 01:43:56.800 --> 01:44:00.479 was in trouble. But so, what what stage is it in right now? 1299 01:44:00.720 --> 01:44:06.600 Ken? What stage? I just found out yesterday that they sold the 1300 01:44:06.720 --> 01:44:11.880 car for one thousand dollars and what would do? How much did she owe 1301 01:44:11.960 --> 01:44:17.319 on it? Well, the loan is up to seventeen thousand dollars now and 1302 01:44:17.479 --> 01:44:23.439 they sold it for a thousand. Yeah, it was. It was a 1303 01:44:23.520 --> 01:44:28.439 fourteen go with a sure thing. Denver's best roofer Excel Roofing dot com. 1304 01:44:28.640 --> 01:44:34.720 You don't pay a cent until you're content. Time for an insurance checkup free, 1305 01:44:34.880 --> 01:44:40.920 no obligation. Comparison call Compass Insurance paying too much your coverage at dozens 1306 01:44:40.920 --> 01:44:44.600 of insurance companies find out now three oh three seven seven to one help. 1307 01:44:44.800 --> 01:44:47.520 You'll think you're his only customer when you choose Frank durand the real estate Man 1308 01:44:47.640 --> 01:44:53.079 dot com to list your home with Remax Alliance three oh three nine two zero 1309 01:44:53.199 --> 01:45:06.760 sixteen twenty two. Ye News. You need advice so you don't have come. 1310 01:45:06.960 --> 01:45:13.319 Run in just as fast as we can. Shooter's gonna help coming, 1311 01:45:13.720 --> 01:45:19.479 man. This is the Troubleshooter Show Now, Tom Martine. Hey, I'm 1312 01:45:19.520 --> 01:45:23.960 Tom Martino. Welcome to Car Day today. That's what we call it on 1313 01:45:24.119 --> 01:45:29.359 Friday when we have discussions about cars, but we can discuss anything. One 1314 01:45:29.399 --> 01:45:33.159 of the things we discuss all the time is insurance. Compass Insurance Group is 1315 01:45:33.239 --> 01:45:39.560 with us right now. I have a funny story about them too. They 1316 01:45:39.640 --> 01:45:45.399 said the insurance check up, this one guy had showed triple the amount as 1317 01:45:45.479 --> 01:45:47.960 State as I believe, he said, State Farm. But anyway, no, 1318 01:45:48.560 --> 01:45:51.840 yeah, one of those coming anyway. Jeremy your turn. Jeremy's with 1319 01:45:51.920 --> 01:45:55.960 Compass Insurance Group. We're gonna tell that story later, but right now I 1320 01:45:56.039 --> 01:46:00.119 have a question for you on insurance. So this woman calls and says, 1321 01:46:00.479 --> 01:46:08.560 her son's twenty eighteen maz To three he purchased at shomp was in there for 1322 01:46:08.720 --> 01:46:16.119 window tinting, and someone broke into the shop and stole the car and the 1323 01:46:16.199 --> 01:46:19.920 keys were in the car. But that's how most shops do it, when 1324 01:46:19.920 --> 01:46:26.000 they locked the shop, so they took the car. The car was recovered. 1325 01:46:26.600 --> 01:46:31.640 The car is heavily damaged. Now according to the mom Sonny, she's 1326 01:46:31.720 --> 01:46:39.199 not here right now, but she said the claim was rejected by dairy Land 1327 01:46:39.319 --> 01:46:46.880 Insurance, and the reason they gave is they did not yet find the thief, 1328 01:46:47.520 --> 01:46:54.199 so there's no one to go after. Oh wow, yeah, I 1329 01:46:54.279 --> 01:47:00.199 mean I'd be interested to see how accurate that is. But no, I 1330 01:47:00.279 --> 01:47:04.960 mean it's I don't think that Dairyland as bad as Dairyland is. I cannot 1331 01:47:05.159 --> 01:47:11.479 see Dairyland doing that. I would agree with that correct. Now, what 1332 01:47:11.760 --> 01:47:18.399 is Dairyland? They're an insurance company. How good are they? I don't 1333 01:47:18.439 --> 01:47:21.760 know a lot about them. I mean, it's not a company we represent, 1334 01:47:25.199 --> 01:47:28.079 but I mean that's as clitter cut as a get. So, I 1335 01:47:28.479 --> 01:47:30.760 you know, the only thing I think there's got to be something missing. 1336 01:47:30.840 --> 01:47:34.600 I mean, really, that's what you're saying, right, Yeah, exactly. 1337 01:47:34.840 --> 01:47:40.199 It just doesn't sound like it adds up. Okay, but what you're 1338 01:47:40.239 --> 01:47:46.039 saying is you've never heard of a perpetrator having to be caught before insurance is 1339 01:47:46.159 --> 01:47:51.359 processed. No. That brings up a curious question though, how long do 1340 01:47:51.399 --> 01:47:57.720 you most insurance, Let's take Progressive or somebody you represent, when your car 1341 01:47:57.960 --> 01:48:01.399 or vehicle gets stolen, how long do they wait before they actually cut you 1342 01:48:01.520 --> 01:48:04.840 a check for the entire amount? I mean, is it a week, 1343 01:48:05.000 --> 01:48:09.880 is it a month? What is it? A lot of times they'll go 1344 01:48:10.079 --> 01:48:14.199 to the police report, they'll get a police report, and they'll kind of, 1345 01:48:14.600 --> 01:48:16.079 you know, it's case by case, and a lot of times it's 1346 01:48:16.119 --> 01:48:20.840 the police are, you know, saying hey, hold off, you know, 1347 01:48:20.960 --> 01:48:24.920 we might be able to find it. So it really is case by 1348 01:48:25.000 --> 01:48:29.199 case in that I had one the other day where the guy got paid out. 1349 01:48:29.960 --> 01:48:32.920 They did end up finding it. It was an rv A trailer, 1350 01:48:33.800 --> 01:48:36.560 but then they ended up having a total le anyway, because of all the 1351 01:48:36.640 --> 01:48:42.560 drug use in the RV. But let's say that didn't happen, and you 1352 01:48:42.680 --> 01:48:46.359 know, the guy gets paid out and then they do find it. Typically 1353 01:48:46.439 --> 01:48:49.560 at that point, you know, I'll either pick a back out of it, 1354 01:48:49.720 --> 01:48:55.800 get the RV back, get it fixed or vehicle or it's total they 1355 01:48:55.880 --> 01:48:59.079 paid out, and then the insurance company would take the vehicle at that point. 1356 01:49:00.399 --> 01:49:02.039 So I mean, basically, if it gets stolen in Denver, they 1357 01:49:02.119 --> 01:49:05.199 might even write you a check that day because they don't try to find it. 1358 01:49:05.600 --> 01:49:09.359 Or if it got stolen Douglas County, they might make you wait a 1359 01:49:09.439 --> 01:49:14.800 few weeks. It depends on where it is, and certainly different counties obviously 1360 01:49:14.840 --> 01:49:19.359 could be different with that. But there's there's no good solution, right because, 1361 01:49:19.640 --> 01:49:23.640 yeah, you don't want to hold off on a payout, but if 1362 01:49:23.680 --> 01:49:27.199 the car's found a day or two later and it's not damaged, that obviously 1363 01:49:27.319 --> 01:49:30.880 paying it too soon can cause a problem too. So it is tricky right 1364 01:49:30.960 --> 01:49:34.800 now with that. You know, you mentioned last thing you mentioned the drugs 1365 01:49:34.840 --> 01:49:39.920 in that AREV case. I'm curious if someone does steal your car and they're 1366 01:49:40.319 --> 01:49:43.000 you know, I don't think anybody's going to make meth in a car, 1367 01:49:43.760 --> 01:49:46.479 you know, a little car or an suv. But if they're smoking myth 1368 01:49:47.119 --> 01:49:51.279 in the car, is it always total? These days? That's what we're 1369 01:49:51.359 --> 01:49:56.079 seeing. I mean, I don't know if every company's policy is that, 1370 01:49:56.319 --> 01:50:00.039 but all the ones that I'm running into there was a mess, smoke in 1371 01:50:00.119 --> 01:50:04.760 the car. They're totaling it because the liability and there's just no way to 1372 01:50:04.880 --> 01:50:11.680 really clean that and make it safe. And isn't that crazy? Tompsons? 1373 01:50:12.319 --> 01:50:16.279 Unbelievable? Hey, Jeremy, listen to this. One last night, retirement 1374 01:50:16.359 --> 01:50:20.439 Planning Center of the Rockies had a bunch of people were taking selfies with people, 1375 01:50:20.479 --> 01:50:24.000 and a guy says to me, you know, I went and did 1376 01:50:24.079 --> 01:50:30.520 the insurance check up and Compass came back triple the amount of my state farm 1377 01:50:30.359 --> 01:50:32.720 for my home in auto. And I said, there's no way, there's 1378 01:50:32.800 --> 01:50:36.359 no way, and they said yump. He said yump. So I start 1379 01:50:36.439 --> 01:50:43.159 probing and he said Compass tried to get me to insure my house for one 1380 01:50:43.239 --> 01:50:46.560 point three And I said why. He says, because that's what the value 1381 01:50:46.640 --> 01:50:50.199 is now. And I said, but my old company kept it at three 1382 01:50:50.279 --> 01:50:58.520 hundred and I said, sir, you're not insured. So he's paying two 1383 01:50:58.600 --> 01:51:00.439 grand for no insurance, and I said, you're not insured, you may 1384 01:51:00.479 --> 01:51:02.960 as well just draw. He said, well, my house is paid for, 1385 01:51:03.920 --> 01:51:09.640 and I doubt I'll ever have a claim that equals three hundred thousand. 1386 01:51:10.119 --> 01:51:11.960 And I said, no, no, no, no, no, that's 1387 01:51:12.079 --> 01:51:17.279 not how it works. You are literally ensured for one third of your value, 1388 01:51:17.439 --> 01:51:25.520 actually less than one less than one third. Therefore, when you get 1389 01:51:26.000 --> 01:51:30.319 actually it's probably a quarter of the value. So when you have a claim, 1390 01:51:30.640 --> 01:51:32.880 it doesn't work that way. You don't get to have a claim up 1391 01:51:32.920 --> 01:51:39.079 to three hundred thousand. They're going to take off seventy five percent of every 1392 01:51:39.159 --> 01:51:44.439 claim you have, every claim, correct, I said, So you have 1393 01:51:44.640 --> 01:51:46.279 no insurance, and here's what But I have an umbrella, he said. 1394 01:51:47.199 --> 01:51:51.920 I said, an umbrella will not cover you until you exhaust your minimum insurance. 1395 01:51:51.960 --> 01:51:57.439 And the minimum insurance must be adequate or the umbrella doesn't even kick in. 1396 01:51:57.760 --> 01:52:00.520 So you don't have umbrella coverage either. Because he was talking about liability 1397 01:52:00.600 --> 01:52:05.800 too, and he said, so, I said, the reason you saved 1398 01:52:06.960 --> 01:52:13.560 half going with State Farm or wherever the hell you have is because they're not 1399 01:52:13.720 --> 01:52:16.960 being honest with you. Eddie has no insurance. I say, you are 1400 01:52:17.119 --> 01:52:23.960 not insured. I mean in a lot of that these days, and a 1401 01:52:24.079 --> 01:52:27.520 lot too, specifically with what you said about the umbrella, where I will 1402 01:52:27.560 --> 01:52:30.039 bring up something and they say, well, no, I'm not worried about 1403 01:52:30.079 --> 01:52:34.279 it. My umbrella, And people just to understand, an umbrella is simply 1404 01:52:35.039 --> 01:52:40.119 extra liability coverage. It has nothing to do with your you know, and 1405 01:52:40.239 --> 01:52:45.600 and the liability coverage is only after you exhaust the underlying coverage. When the 1406 01:52:45.760 --> 01:52:51.159 underlying coverage must be a certain threshold. Yeah, like five hundred thousand. 1407 01:52:51.279 --> 01:52:54.199 Right, Well, I don't know, Mark, I don't know what that 1408 01:52:54.319 --> 01:52:58.760 threshold is. What is it, Jeremy? Usually for most companies it's two 1409 01:52:58.920 --> 01:53:01.880 fifty five hundreds, so two fishes. Okay, So think about this. 1410 01:53:02.560 --> 01:53:08.479 This guy literally was walking around with no insurance. So here's another thing. 1411 01:53:08.560 --> 01:53:12.800 He said, Well, if that's the case, it doesn't really matter if 1412 01:53:12.800 --> 01:53:18.279 the house is destroyed, because he thought he would walk with his three hundred. 1413 01:53:18.359 --> 01:53:26.119 Would he walk with three hundred? Potentially he could, I mean in 1414 01:53:26.199 --> 01:53:30.760 a total situation where it burned to the ground, he potentially could if he 1415 01:53:30.960 --> 01:53:36.439 is that far under insured. And depending on the company, it certainly could 1416 01:53:36.479 --> 01:53:41.880 be something where they invoke some co insurance or he'd have some issue. And 1417 01:53:41.920 --> 01:53:45.279 I said, even if you did, I said, what are house is 1418 01:53:45.319 --> 01:53:46.960 worth in your neighborhood? He said about one point five? And I said, 1419 01:53:47.319 --> 01:53:51.319 do you understand? And then he said, well, they're simply raising 1420 01:53:51.439 --> 01:53:56.680 the houses anyway. They're they're they're and and putting new ones up. They're 1421 01:53:56.840 --> 01:54:00.079 just doing away with houses. They're they're scrapes. And I said, even 1422 01:54:00.159 --> 01:54:03.960 with a scrape, Okay, you lose your equity, because I mean, 1423 01:54:04.039 --> 01:54:09.319 that's what I believe. But if your if your lot, here's what I 1424 01:54:09.399 --> 01:54:15.920 told them, if your lot is truly truly worth one point five or one 1425 01:54:15.000 --> 01:54:20.239 point three, then you shouldn't have insurance. If your house is If your 1426 01:54:20.279 --> 01:54:26.960 house is paid for and it's a scraper and your lot is worth a million 1427 01:54:27.039 --> 01:54:30.600 dollars, why would you have insurance the liability you would have right, of 1428 01:54:30.680 --> 01:54:33.239 course, you need the liability. Now, that's Jerry. That is a 1429 01:54:33.319 --> 01:54:38.079 great question. It is a great question. Should I buy Is there a 1430 01:54:38.199 --> 01:54:42.479 such thing as just liability? Let's say I have a scraper and it really 1431 01:54:42.760 --> 01:54:46.720 is a piece of crap house and no one would ever buy it except they 1432 01:54:46.800 --> 01:54:51.680 want to be in the neighborhood and they want that lot. What and Let's 1433 01:54:51.680 --> 01:54:56.640 say my lot and this can happen in Cherry Hills. Let's say my lot 1434 01:54:56.840 --> 01:55:00.520 is at is worth a million? Can I get just liability so I'm not 1435 01:55:00.880 --> 01:55:06.600 sued? You can not with like the standard companies we typically talk about. 1436 01:55:06.720 --> 01:55:12.279 But yeah, there is a product out there that you can do that and 1437 01:55:12.399 --> 01:55:15.720 then add an umbrella on top of it. It's not a traditional standard market 1438 01:55:15.840 --> 01:55:18.680 type thing, but yes, you could do that if that's the round, 1439 01:55:18.720 --> 01:55:25.600 if I got just liability on it, I mean basically I'm covered for that. 1440 01:55:26.279 --> 01:55:30.359 I don't care about the house at all. I mean, would I 1441 01:55:30.520 --> 01:55:35.800 save any money you could? I mean I did one the other day that 1442 01:55:35.960 --> 01:55:41.319 was similar to this, and it ended up being cheaper for him to just 1443 01:55:41.399 --> 01:55:45.640 do a fifty thousand dollars deductible. It was actually going to be cheaper than 1444 01:55:45.680 --> 01:55:49.880 any kind of just liability only type thing because you're basically ensuring, you know, 1445 01:55:50.000 --> 01:55:55.359 so he'd still get some coverage because even if you are going to scrape 1446 01:55:55.399 --> 01:55:59.399 it, it's still better to have them pay for it if something actually happened 1447 01:56:00.039 --> 01:56:02.239 actually having to pay for it. But you can get you know, if 1448 01:56:02.239 --> 01:56:06.880 you did like a fifty thousand dollars deductible or something crazy where you're clearly only 1449 01:56:08.000 --> 01:56:12.640 using it for that worst of the liability. Those are pretty cheap. And 1450 01:56:12.800 --> 01:56:16.560 so because liability doesn't have a deductible, it would not have a deductible, 1451 01:56:16.600 --> 01:56:20.520 but you'd have no property coverage. So if you think at what but Mark, 1452 01:56:20.640 --> 01:56:26.279 this is the very first time on this show in forty five years that 1453 01:56:26.399 --> 01:56:30.000 we have ever discussed this. I have never discussed I love it a house 1454 01:56:30.119 --> 01:56:34.199 that's a scraper on a lot worth a million bucks. But but so this 1455 01:56:34.359 --> 01:56:38.119 guy, so I told him, I said, if truly your lot is 1456 01:56:38.239 --> 01:56:42.119 worth that, then don't have don't I said, you don't have insurance anyway, 1457 01:56:42.239 --> 01:56:45.079 so why pay Tom? Would you explain something to me and the other 1458 01:56:45.199 --> 01:56:50.199 idiots? So if he has a house that's insured for three hundred thousand and 1459 01:56:50.359 --> 01:56:55.439 his roof burns down and it costs fifteen thousand, you're saying that his insurance 1460 01:56:55.479 --> 01:56:58.239 won't cover it. Yeah, we're gonna go. I'll go over that coming 1461 01:56:58.319 --> 01:57:00.399 up. This is a very important question and if you don't understand it, 1462 01:57:00.520 --> 01:57:03.560 doc, as a doctor, I should explain it. We got more after 1463 01:57:03.680 --> 01:57:13.920 this. Go with a sure thing Denver's Best roofer Excel roofing dot Com you 1464 01:57:14.000 --> 01:57:20.000 don't pay a cent until you're content. Time for an insurance check up free 1465 01:57:20.119 --> 01:57:26.720 no obligation comparison call Compass Insurance paying too much your coverage at dozens of insurance 1466 01:57:26.760 --> 01:57:30.239 companies find out now three O three seven to seven to one help. You'll 1467 01:57:30.279 --> 01:57:33.039 think you're his only customer when you choose Frank durand the real estate man dot 1468 01:57:33.159 --> 01:57:38.840 com to list your home with Remax Alliance three oh three nine two zero sixteen 1469 01:57:38.920 --> 01:57:45.399 twenty two. By the way, they arrested that moron from Texas driving from 1470 01:57:45.520 --> 01:57:51.159 Colorado Springs to Denver in twenty minutes? Did you know they arrested him? 1471 01:57:51.960 --> 01:57:57.159 I don't even know what you're talking about, yells guy. Okay, there's 1472 01:57:57.199 --> 01:58:01.720 a YouTube video of a man driving his motorcycle and he made it from Denver 1473 01:58:02.119 --> 01:58:09.119 to or from Colorado Springs to Denver in twenty minutes. The entire twenty minutes 1474 01:58:09.239 --> 01:58:12.720 was put on YouTube. Can you believe it? How fast was he going? 1475 01:58:13.079 --> 01:58:15.359 Oh my god, I don't know when you figured out. I don't 1476 01:58:15.359 --> 01:58:20.960 know twenty minutes? Mark you ride? Can you imagine doing that twenty minutes? 1477 01:58:21.399 --> 01:58:26.479 No? I mean that's anyway. Do you know what his name is? 1478 01:58:26.600 --> 01:58:30.880 Moron? Rended, No, I don't want to insult my YouTube guys. 1479 01:58:30.680 --> 01:58:34.520 He never got he he got arrested after the fact when people saw the 1480 01:58:34.640 --> 01:58:38.159 YouTube. Yeah, because he posted that, but no one knew who he 1481 01:58:38.319 --> 01:58:40.479 was. I don't even know how they identified him, but they did and 1482 01:58:40.560 --> 01:58:46.399 they went after him. So his name is Rendon dits Ditsman of Texas. 1483 01:58:47.199 --> 01:58:53.039 D E t z M A N N Ditsman. Anyway, he was charged 1484 01:58:53.119 --> 01:58:59.680 with menacing, engaged in speed contest, reckless engagement. By the way, 1485 01:58:59.720 --> 01:59:04.159 that's called racing engages because so menacing, racing, reckless endangerment, reckless driving, 1486 01:59:04.960 --> 01:59:11.800 speeding forty miles an hour over the limit. He was probably more than 1487 01:59:11.840 --> 01:59:15.920 that too, engage for plus fact I thought he was engaged. Listen to 1488 01:59:15.000 --> 01:59:21.319 this charge exhibition of speed, Wow, and then the other one no license 1489 01:59:21.439 --> 01:59:26.840 plates. Listen to this man. So back in the early two thousands, 1490 01:59:26.880 --> 01:59:30.920 I had a good year in Castle Rock, and every night on the news 1491 01:59:30.479 --> 01:59:34.640 for about two or three weeks, say, show this motorcycle guy being a 1492 01:59:34.760 --> 01:59:39.800 complete idiot on the highway. He would go right up next to a cop 1493 01:59:40.119 --> 01:59:45.039 and either pull a wheelie or do that opposite where the backwheel comes up and 1494 01:59:45.359 --> 01:59:47.960 just make fun of the cop flip them off and take off. It was 1495 01:59:48.079 --> 01:59:53.279 happening every night in Castle Rock for a few weeks. So I'm at that 1496 01:59:53.600 --> 01:59:58.359 store one morning and a cop shows up. Douglas County shows up, and 1497 01:59:58.479 --> 02:00:02.279 then right behind him patrol. So I got two of them coming in asking 1498 02:00:02.439 --> 02:00:09.520 for grant my service manager. It was my service manager doing that for two 1499 02:00:09.680 --> 02:00:14.079 or three weeks, and I literally had no idea Tom. Wow, Hey, 1500 02:00:14.479 --> 02:00:19.119 Jacob, what is your comment on that motorcycle moron? I just wanted 1501 02:00:19.159 --> 02:00:23.760 to say, isn't it kind of crazy that there wasn't one single state patrol 1502 02:00:23.880 --> 02:00:28.800 or a cop on the highway that whole route unless they just saw him. 1503 02:00:28.840 --> 02:00:31.439 And what would they have done if they saw him? Would it be a 1504 02:00:31.560 --> 02:00:35.880 chase? God? But if you couldn't even come close to chasing, here's 1505 02:00:35.960 --> 02:00:40.239 what's funny. This guy's right. He did that whole thing. Not one 1506 02:00:40.319 --> 02:00:45.239 cop does anything. But if you accidentally cross that double line, you'll get 1507 02:00:45.279 --> 02:00:48.840 a seventy five dollars ticket like you did. Tom exactly. Yeah, Jacob, 1508 02:00:49.279 --> 02:00:53.520 thank you for calling. Now let's go back to co insurance penalties. 1509 02:00:54.359 --> 02:00:57.680 Deputy Doc says, wait a minute, if you have a guy with a 1510 02:00:57.760 --> 02:01:02.039 million dollar or a million dollar house, and he's he's or one point three 1511 02:01:02.079 --> 02:01:08.760 or whatever, and he's insured for three hundred thousand and his roof is damaged 1512 02:01:08.880 --> 02:01:15.039 for twenty you're telling me he won't get twenty grand if he has three hundred 1513 02:01:15.079 --> 02:01:17.159 thousand in coverage. No, he won't. And here's I'm gonna use some 1514 02:01:17.319 --> 02:01:23.520 easy numbers. Well, let's use those numbers. So let's say he's insured 1515 02:01:24.479 --> 02:01:30.079 for only twenty five percent of value. So in some cases, by the 1516 02:01:30.159 --> 02:01:34.640 way, there are clauses that say they can cancel your coverage for extreme under 1517 02:01:34.720 --> 02:01:43.039 insurance. However, let's say they apply the normal what's called co insurance penalty. 1518 02:01:43.159 --> 02:01:46.119 What that means is you're ensuring part of it yourself. So here's what 1519 02:01:46.239 --> 02:01:51.520 they would do. If he's insured for twenty five percent of value and the 1520 02:01:51.680 --> 02:01:59.560 roof is twenty grand. Do the math would they pay on that roof? 1521 02:02:00.319 --> 02:02:03.800 Would they pay twenty grand? No, they would pay twenty five percent of 1522 02:02:03.960 --> 02:02:12.000 twenty grand because he is only twenty five percent insured. So on a twenty 1523 02:02:12.119 --> 02:02:15.520 thousand dollars claim, he'd get five grand. On liability, it's worse. 1524 02:02:15.960 --> 02:02:20.560 On liability, he'd get nothing. So jeremy am I lying? Or dying. 1525 02:02:20.680 --> 02:02:26.279 Tell me how that how that works, that that is true. Just 1526 02:02:26.479 --> 02:02:30.960 to make sure to clarify it, it's you got to be insured for the 1527 02:02:30.079 --> 02:02:34.079 value of the reconstruction of the home. So like in this example, if 1528 02:02:34.119 --> 02:02:39.479 his home's not worth that much and all the value real estate value is in 1529 02:02:39.600 --> 02:02:43.640 the land, he doesn't need to have insurance for the real estate value. 1530 02:02:43.720 --> 02:02:46.479 He would need to have the insurance up to the construction value of what it 1531 02:02:46.520 --> 02:02:49.439 would cost to rebuild the home. So oh okay, okay, so that 1532 02:02:49.680 --> 02:02:54.720 it might fare a little better for him, it would be in that case. 1533 02:02:54.840 --> 02:02:57.479 Yeah, I just because there's a lot of times like if you have 1534 02:02:57.640 --> 02:03:01.079 a you know, small house and wash park or something. You know, 1535 02:03:01.159 --> 02:03:04.159 that house could be two million dollars. It's not going to come close. 1536 02:03:04.319 --> 02:03:09.880 So okay, So the value is not based on a praised value, but 1537 02:03:10.039 --> 02:03:15.399 it's based on reconstruction of what you're ensuring. That's correct. Okay, that's 1538 02:03:15.439 --> 02:03:20.279 good to know. We see we see so many people under insured on the 1539 02:03:20.760 --> 02:03:27.880 just the reconstruction cost. Yeah, because that three hundred thousand really is a 1540 02:03:28.000 --> 02:03:30.960 million. I mean, it wouldn't be that crazy to see. I don't 1541 02:03:30.960 --> 02:03:34.079 know about that. So in general, Doc do you see why even though 1542 02:03:34.159 --> 02:03:40.319 you're insured for three hundred, you could be cutting your insurance claims by seventy 1543 02:03:40.399 --> 02:03:45.880 five percent. And because that makes sense, I just didn't think there would 1544 02:03:45.920 --> 02:03:49.159 be no coverage, was what I thought. You said. Well, although 1545 02:03:49.319 --> 02:03:54.560 that explains it very well. Yeah, it's minute skill coverage. And in 1546 02:03:54.800 --> 02:03:59.760 some cases, some of the newer policies are saying you've rendered it null and 1547 02:03:59.800 --> 02:04:02.920 vo if. I don't know what the extreme is, but they have some 1548 02:04:03.119 --> 02:04:08.520 extreme clauses, like because they don't want to see it. And here's why 1549 02:04:08.560 --> 02:04:11.800 they don't want to see it. They don't want people coming back suing them 1550 02:04:12.159 --> 02:04:15.760 for partial payments for bad faith. So they're saying, well, the hell 1551 02:04:15.840 --> 02:04:24.479 with you. Then if you breach your contract by miss by miscalculating your reconstruction, 1552 02:04:24.680 --> 02:04:28.760 or by I forget what the term is, by you're misrepresenting it, 1553 02:04:30.159 --> 02:04:32.319 then you know. But a lot of times you're really not. What happens 1554 02:04:32.439 --> 02:04:36.680 is they bought a policy fifteen years ago and they've stayed with the same company 1555 02:04:36.760 --> 02:04:41.039 forever, and the company doesn't do anything, and they now Jeremy in that 1556 02:04:41.279 --> 02:04:45.600 case. In that case, is the ownus on the owner or on the 1557 02:04:45.760 --> 02:04:51.119 agent or the company from a co insurance standpoint. It's on the company, 1558 02:04:51.520 --> 02:04:55.800 not from a coverage standpoint. But yeah, Mark, you're right. If 1559 02:04:55.960 --> 02:05:00.720 we wrote a policy and you're one hundred percent of value when it's arts and 1560 02:05:00.920 --> 02:05:04.359 you end up not at one hundred percent to the construction value, they're not 1561 02:05:04.479 --> 02:05:08.640 going to put a co insurance clause on that. It would be if you 1562 02:05:08.840 --> 02:05:13.680 came in and we needed six hundred thousand and you only wanted three hundred, 1563 02:05:13.720 --> 02:05:15.880 and we started it that way, that's where the co insurance. Hey, 1564 02:05:15.960 --> 02:05:19.720 Jeremy, let's just I want to ask you something. Man. Let's say 1565 02:05:19.800 --> 02:05:26.760 my insurance is twelve thousand a year and I've got a high five thousand dollars 1566 02:05:26.880 --> 02:05:31.960 deductible on you know, hail and win perils. If if I said to 1567 02:05:32.039 --> 02:05:35.279 you guys Accompass, you know what, I want to go up to a 1568 02:05:35.439 --> 02:05:42.520 twenty five thousand dollars deductible on those perils and maybe even on fire or let's 1569 02:05:42.520 --> 02:05:45.439 say on everything, I want to go up to a twenty five thousand dollars 1570 02:05:45.479 --> 02:05:49.039 deductible. With that twelve thousand a year on my insurance I'm paying for the 1571 02:05:49.159 --> 02:05:53.840 premiums. Would it drop in half? Would it drop by ninety percent. 1572 02:05:54.399 --> 02:05:58.399 Is there even a product out there? What are your thoughts? There are 1573 02:05:58.520 --> 02:06:01.079 products out there, so like for your company, they only go up to 1574 02:06:01.159 --> 02:06:05.479 seventy five hundred, and that's pretty typical to see either a seventy five hundred 1575 02:06:05.600 --> 02:06:12.199 or a ten thousand MACS for deductible. We're probably going to see that change 1576 02:06:12.239 --> 02:06:15.800 here in a bit and more companies will probably offer more extreme high deductibles. 1577 02:06:16.239 --> 02:06:20.439 But we have travelers, like I mentioned before, fifty thousand deductible and yeah, 1578 02:06:20.479 --> 02:06:25.119 I mean it dropped it well over half. I mean you're really at 1579 02:06:25.159 --> 02:06:29.119 that point. So obviously the higher you go, but you get to fifty 1580 02:06:29.239 --> 02:06:33.520 thousand, there's not a lot of scenarios where you're going to exceed fifty thousand. 1581 02:06:33.560 --> 02:06:36.720 No, but it's crazy. I have the feeling after this year, 1582 02:06:38.319 --> 02:06:42.600 I'm going to be looking at a renewal of fifteen to twenty thousand for insurance. 1583 02:06:42.600 --> 02:06:47.760 I'm almost sure of it. Yeah, it's it's going to be higher 1584 02:06:48.000 --> 02:06:53.000 for sure, And yeah, I mean how much can people sustain that? 1585 02:06:53.359 --> 02:06:57.960 And that's where looking at a higher deductible, which we've naturally done, you 1586 02:06:58.000 --> 02:07:00.880 know, I mean it used to be one thousand dollars everyone's deductibles one thousand 1587 02:07:00.880 --> 02:07:03.800 dollars. Some people even had a five hundred. But you know, at 1588 02:07:03.880 --> 02:07:08.840 some point it does make sense. It does make sense to take the gamble 1589 02:07:08.920 --> 02:07:13.000 on a very high deductible if you're gonna pay that anyway in premium, for 1590 02:07:13.119 --> 02:07:16.680 God's sakes, I mean, yeah, in three years you could literally make 1591 02:07:16.800 --> 02:07:19.520 up for it. Yeah, So we got more coming up. I gotta 1592 02:07:19.560 --> 02:07:23.279 take a break, and Bob, if you're on with the car insurance question, 1593 02:07:23.399 --> 02:07:27.239 we'll hold Jeremy over. We'll also go to Paul and Ken and VICKI, 1594 02:07:27.359 --> 02:07:34.760 all of you right after this go with a sure thing Denver's Best roofer 1595 02:07:34.960 --> 02:07:43.079 Excel Roofing dot com. You don't pay a cent until you're content. Time 1596 02:07:43.119 --> 02:07:45.960 for an insurance check up free, no obligation. In comparison, call Compass 1597 02:07:46.039 --> 02:07:50.680 Insurance paying too much your coverage at dozens of insurance companies find out now three 1598 02:07:50.760 --> 02:07:54.800 oh three, seven to seven to one help. You'll think you're his only 1599 02:07:54.960 --> 02:07:58.720 customer when you choose Frank durand the real estate Man dot com to list your 1600 02:07:58.800 --> 02:08:07.319 home with Remax Lions three oh three nine two zero sixteen twenty two. Hi 1601 02:08:07.640 --> 02:08:13.319 Tom Martino here three O three seven one three talk three oh three seven one 1602 02:08:13.399 --> 02:08:18.039 three eight two five five. Welcome to the show. Let's do whatever we 1603 02:08:18.199 --> 02:08:22.640 can to help you, and we will continue to help you. So this 1604 02:08:22.880 --> 02:08:26.640 is a really uh busy day today. Let me get to the phones here 1605 02:08:26.880 --> 02:08:31.600 and we're going to continue with let me just jesus, I can't just see 1606 02:08:31.680 --> 02:08:35.479 this a damn thing. Hold on, there we go. I'm trying to 1607 02:08:35.520 --> 02:08:39.079 find Okay, Uh, Bob, you have a question on car insurance. 1608 02:08:39.119 --> 02:08:43.119 Go ahead, Bob. Welcome, Yeah, good afternoon time. It's been 1609 02:08:43.119 --> 02:08:46.079 a couple sir, talk. I'm trying. I'll try to be pretty concise 1610 02:08:46.159 --> 02:08:52.680 here. I'm calling for my son because he's working. Uh. He was 1611 02:08:52.760 --> 02:08:56.479 in up in Summit County a couple of weeks ago. He got a stop 1612 02:08:56.560 --> 02:09:03.720 light and got hit by a rented vehicle. It was driven by a Florida 1613 02:09:03.239 --> 02:09:11.000 operator. Florida driver. What's a Florida Okay, So what happened then? 1614 02:09:11.880 --> 02:09:16.840 Okay, So Progressive wrote up the repairshment and we're good with that. A 1615 02:09:18.000 --> 02:09:26.039 question, is he entitled to have his truck repaired to pre pre collision condition? 1616 02:09:26.880 --> 02:09:30.479 Well, of course he is. What that was that a trick question? 1617 02:09:30.640 --> 02:09:33.960 Of course? He is tell me what they're not doing. Well, 1618 02:09:33.000 --> 02:09:37.359 they don't want to repair, you know, a dented door, so it 1619 02:09:37.399 --> 02:09:41.880 will replace the dented door. They just want to repair it and that you 1620 02:09:41.960 --> 02:09:46.680 know that could I don't want it to be well hold on, hold on, 1621 02:09:46.199 --> 02:09:50.039 I think he can hold on. I don't think he can insist excuse 1622 02:09:50.079 --> 02:09:54.760 me. I think he can insist on new parts and if not body putty, 1623 02:09:56.119 --> 02:09:58.399 I think he can. I mean, it depends on how they're going 1624 02:09:58.479 --> 02:10:01.600 to fix it. If you know, how are they going to fix it? 1625 02:10:01.680 --> 02:10:07.000 Yeah? Yeah, I think we've got a good body shop that thinks 1626 02:10:07.039 --> 02:10:11.399 that is kind of similar opinion. What year is this car? What year 1627 02:10:11.520 --> 02:10:16.359 is it? It's a twenty seventeen cook Coma. Okay, we're getting we're 1628 02:10:16.399 --> 02:10:20.359 getting on the on the outskirts here, Jeremy, what about that? What 1629 02:10:20.479 --> 02:10:31.800 do you think Jeremy is with Compass Insurance Group? Is Jeremy there's his line's 1630 02:10:31.880 --> 02:10:35.199 up? I don't know what happened. Yeah, I think I was saying, 1631 02:10:35.319 --> 02:10:39.399 is this the callers company or is this the other party's company? The 1632 02:10:39.520 --> 02:10:45.039 other party the other parties liable for damage? Right, yeah? And I 1633 02:10:45.119 --> 02:10:48.439 mean with the other party, I mean you're going to fight with them on 1634 02:10:48.600 --> 02:10:52.680 something like this, and it might be worth looking at your own insurance and 1635 02:10:52.840 --> 02:11:00.199 let them suburgate because they're they're you know, there's nothing contractual. They're going 1636 02:11:00.239 --> 02:11:01.600 to try and do it as cheap as they can. I'm not saying that's 1637 02:11:01.720 --> 02:11:05.520 right, that's just what they're going to try and do, and you're going 1638 02:11:05.600 --> 02:11:09.920 to be fighting with them on that. Using your own company and letting them 1639 02:11:09.039 --> 02:11:15.279 subrogate might be an alternative to you know, fighting with them. If they're 1640 02:11:15.319 --> 02:11:16.960 not going to give in to replace it, what they should do that. 1641 02:11:18.359 --> 02:11:22.039 But you know, with the other party's insurance, you just don't have the 1642 02:11:22.199 --> 02:11:24.479 leverage like you do with your own. And by the way, it goes 1643 02:11:24.640 --> 02:11:30.359 more by value than it does psychology. Here's what I mean. You may 1644 02:11:30.439 --> 02:11:35.800 not like the idea of putty or pulled pulling the dent and smoothing it out, 1645 02:11:35.399 --> 02:11:39.319 and by the way, they use hardly any putty when they do it 1646 02:11:39.399 --> 02:11:43.520 the right way. But here's what I mean. Psychologically, you might think 1647 02:11:43.560 --> 02:11:46.520 it's not in pre accident condition, but let's say it was a twenty twelve. 1648 02:11:48.680 --> 02:11:54.680 The it goes by value is the value that is putting. Is repairing 1649 02:11:54.760 --> 02:11:58.680 that door any different really than replacing the door. They don't. It gets 1650 02:11:58.880 --> 02:12:03.720 it gets to a point of reasonableness. Okay, and that's why I said 1651 02:12:03.760 --> 02:12:09.319 on twenty seventeen, you're on the brink. Yeah. I've talked with the 1652 02:12:09.399 --> 02:12:13.479 body shop and they're they're willing to work with us on that. So second 1653 02:12:13.600 --> 02:12:16.279 question, okay, I would I would go ahead. Do you have another 1654 02:12:16.399 --> 02:12:22.960 question? You said? Yeah? Who is responsible for substitute transportation during the 1655 02:12:24.079 --> 02:12:31.239 repair? Okay? Ultimately the company also have to provide that. Ultimately it's 1656 02:12:31.319 --> 02:12:35.520 the other driver. Okay, he's responsible for everything. Then it goes to 1657 02:12:35.600 --> 02:12:39.159 his insurance. But if his insurance refuses to pay, or if he refuses 1658 02:12:39.239 --> 02:12:46.359 to pay, you either use your own insurance or you sue them. Small 1659 02:12:46.439 --> 02:12:50.119 Queen Sport, Yeah you could. Yeah, yeah, but here's the deal. 1660 02:12:50.880 --> 02:12:56.600 You have to make sure that if you accept any kind of money from 1661 02:12:56.640 --> 02:13:00.720 them for anything that it's not full and final settlement, then you can't go 1662 02:13:00.880 --> 02:13:03.880 back for another bite at the apple. I miss something. Why would you 1663 02:13:03.039 --> 02:13:07.600 care if they fixed the door perfectly compared to replace it with some aftermarket thing. 1664 02:13:09.279 --> 02:13:11.880 It's not replacing Mark he was more concerned about. I think he's Bondo 1665 02:13:13.039 --> 02:13:18.479 or something. Well, then that wouldn't be back to original I mean that's 1666 02:13:18.520 --> 02:13:22.439 a whole different story. That means it wouldn't be back to the original position. 1667 02:13:22.680 --> 02:13:26.840 And it's not so much original as it is pre accident. And so, 1668 02:13:26.600 --> 02:13:31.960 Bob, it's all what the court's called reasonable, and I think it's 1669 02:13:31.039 --> 02:13:35.880 reasonable to expect on a seventeen that you get at least and by the way, 1670 02:13:35.960 --> 02:13:37.279 they can go to a junk yard for a door too. You know, 1671 02:13:37.439 --> 02:13:41.920 it doesn't have to be new. You understand that, right, Damn 1672 02:13:43.159 --> 02:13:48.319 well, if you had listen, if your vehicle was a twenty twenty four, 1673 02:13:48.960 --> 02:13:52.520 I mean, it would have to be what it is, they'd have 1674 02:13:52.640 --> 02:13:56.399 to find a door for a twenty twenty four. But if that's exacty years 1675 02:13:56.479 --> 02:14:00.880 old, they got to they can find a thirty year old door. That's 1676 02:14:00.920 --> 02:14:03.680 what we're saying, pre accident condition. That's exactly what we just said. 1677 02:14:05.199 --> 02:14:07.319 So Bob, uh, just you know that's really where you stand. Three 1678 02:14:07.359 --> 02:14:11.560 O three seven to one three talks seven one three eight two five five. 1679 02:14:11.239 --> 02:14:16.119 And I notice people have been waiting a long time. I know, but 1680 02:14:16.279 --> 02:14:18.560 but I want to uh go back to Vicky, right, Okay, Ken 1681 02:14:18.760 --> 02:14:22.239 was waiting to on the repossession we'll get to all of you. Go. 1682 02:14:22.439 --> 02:14:28.079 Let's hang on. Go with a sure thing Denver's Best roofer Excel Roofing dot 1683 02:14:28.199 --> 02:14:33.840 com. You don't pay a cent until you're content. Time for an insurance 1684 02:14:33.960 --> 02:14:39.399 check up free no obligation comparison call Compass Insurance paying too much your coverage at 1685 02:14:39.439 --> 02:14:43.479 dozens of insurance companies find out now three O three seven seven to one help. 1686 02:14:43.680 --> 02:14:48.199 You'll think you're his only customer when you choose Frank durand the real estate 1687 02:14:48.319 --> 02:14:52.720 Man dot com to list your home with Remax Alliance three oh three nine two 1688 02:14:52.800 --> 02:14:58.880 zero sixteen twenty two. Go to Ken Ken listen man. On that reb 1689 02:15:00.119 --> 02:15:05.600 possession that you had, you said the car was repossessed. They sold it 1690 02:15:05.680 --> 02:15:07.600 for a thousand bucks. I want to go back to that. You had 1691 02:15:07.640 --> 02:15:13.640 a twenty fourteen Hundai Tucson, right, Well, yeah, it was my 1692 02:15:13.800 --> 02:15:16.239 friend's car. And well it doesn't matter. I mean, you're on the 1693 02:15:16.279 --> 02:15:20.760 loan. It's yours too. So here's what I'm telling you. I think 1694 02:15:20.000 --> 02:15:24.079 what they did was the illegal personally, and if you want to fight it, 1695 02:15:24.439 --> 02:15:28.760 because they're going to come after you for the difference, which is like 1696 02:15:28.880 --> 02:15:33.199 fifteen or sixteen thousand dollars. They could have gotten at least ten grand for 1697 02:15:33.319 --> 02:15:39.720 that, which would have really reduced your deficiency. However, that's a complicated 1698 02:15:39.840 --> 02:15:45.199 lawsuit. You're going to have to sue them and defend yourself against them by 1699 02:15:45.359 --> 02:15:52.119 saying they did not sell that for fair market value. Okay, sue the 1700 02:15:52.159 --> 02:15:56.039 credit union. You mean, yeah, you're going to have to sue them 1701 02:15:56.159 --> 02:16:01.680 for not following, you know, the proper procedure supposed to sell it at 1702 02:16:01.720 --> 02:16:09.079 auction at fair market value. I have a feeling. I have a feeling 1703 02:16:09.279 --> 02:16:16.119 they sold it for Do we even know if it ran? Yeah? The 1704 02:16:16.199 --> 02:16:18.039 car itself could have been a piece of crack. Yeah, I mean, 1705 02:16:18.119 --> 02:16:22.720 do we know if it actually ran at the time. Oh no, I 1706 02:16:22.800 --> 02:16:26.880 don't. Okay, I mean, I'm just saying it could have had a 1707 02:16:26.000 --> 02:16:31.520 seized engine. Anything could be going on. Well, I know it wasn't 1708 02:16:31.560 --> 02:16:33.079 running. It didn't have a seized engine. Oh, you're right, you're 1709 02:16:33.159 --> 02:16:37.760 right. If it was there for a problem, it could be that it 1710 02:16:39.040 --> 02:16:41.959 was only worth a thousand. I you know, I didn't. I'm not 1711 02:16:41.959 --> 02:16:46.840 actually actually you know that's actually true. That could be. But let's say 1712 02:16:46.959 --> 02:16:50.760 I'm just saying. I'm just saying that the other calls we're gonna have to 1713 02:16:50.799 --> 02:16:54.239 take. I'm sorry, we ran out of time. Kevin Colkin shared an 1714 02:16:54.239 --> 02:17:01.520 autotech dot com Jeff Vic and he's with Transmissions Denver dot com. Don't forget. 1715 02:17:01.559 --> 02:17:05.399 You can call three oh three Martino twenty four to seven, leave a 1716 02:17:05.479 --> 02:17:09.040 message and we will get back to you. I'm so sorry we ran out 1717 02:17:09.079 --> 02:17:11.639 of time, but we just did. That's three oh three Martino. Save 1718 02:17:11.760 --> 02:17:13.040 all your problems for me