WEBVTT

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Yeah, d News need advice,
so you don't have come runcious as fast

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as we can. Shooter's gonna help
come. Man, this is the Troubleshooter

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Show. No Tom Martino. Hey, I'm Tom Martino. Welcome to the

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show. Three oh three seven one
three. Talk is our number. Three

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oh three seven one three eight two
five five. If you have a problem,

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a question, or complaint and you
need help with anything, give us

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a call. We got all kinds
of things to talk about. And I'm

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going to start out by saying that
congratulations to Colorado. We are now the

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third most dangerous state in the country. So I thought you'd like to hear

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that. I was downtown last night
the third most dangerous, the third.

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I mean, think about this,
think about this. It's unbelievable to me

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that that I don't know, we're
just we're just that bad. It's according

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to US News and World Report.
Now, this ranking is based on all

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kinds of stuff, all kinds of
stats on arrest convictions, all that,

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And of course, what did Colorado
do. They shifted eleven million dollars.

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Well, Denver shifted eleven million dollars
from the police department to community outreach,

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and they decriminalized stealing cars and what
else. I mean, it's just I'm

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moving back to New York City.
We're safer than Denver. Now did they

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say that? I didn't see who
who was ranked here? I guess the

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ten most dangerous states in the US. Shocked the hell out of me.

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I really, what do you what
do you think the most dangerous state is?

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Did you look it up? Don't
google it? Look? Tell me

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which one you think is the most
dangerous? You got one, doc?

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I got. I would only say
Illinois because Margo Mark New York. You

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know what? Now, this is
US, this is US News and World

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Report. This is what they say
FBI stats, and it's the Okay,

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here's what it is. Ready,
the they you have the safest, the

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unsafest, most dangerous states. New
Mexico is number one, Louisiana's number two,

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Colorado's number three, Arkansas for Washington
state is five, Tennessee is six,

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Alaska is seven. What the hell? Where are they getting these?

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Says? Eight is Oregon, nine
is California, ten is Missouri. Now,

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these rankings are weird. Weird.
Now, as far as economies go,

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it's weird. The economy is not
that bad in Colorado the actual economy.

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So what do you think has the
best economy? In course, now

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this is again US News and World
Report, and they did the economy based

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on the well you wouldn't call it
gross domestic product, but it is kind

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of like it's got to be California, right Tom, The number one,

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the best Florida really, yeah,
number one. It has the best business

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growth and employment. Idaho a is
tecond to Florida. Utah is third.

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Colorado comes in fourth for economy.
It's a robust economy. And you know,

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so there are you know, there
are good and bad things about Colorado.

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The weather, of course you can't
be Now. The point is this

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is that right now, crime is
the big deal. Mark, When you

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went downtown, what did you think
it's by the way one area? We

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were going to stop into a particular
brewery down there, and I am telling

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you, man, for a four
block radius, there was nothing but homeless

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wandering around. They look like zombies, and there was no normal people anywhere,

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not one normal person anywhere. We
decided to hit the bricks and go

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somewhere else, a different part of
town. But I'll tell you, man,

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if I didn't have a concert to
go see last night and one I

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really wanted to see. There is
no way I'd go downtown. It's a

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hell hole. You know, I
didn't. I don't want to start at

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the show like with a with a
downer. But all I'm trying to figure

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out. What I'm really trying to
say is is that we sucks as a

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country right now. I don't know
what happened. Everyone says COVID, and

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then other people say Trump. You
know, since twenty sixteen it was Trump's

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fault. I mean, I don't
know why. I mean, but I

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have not heard one person in my
life say it's Trump's fault for a crime.

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Mark, Mark, I'm not talking
about crime. I'm talking about the

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country and everything. You hear it
all the time. Blame I mean,

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Biden even blamed him for inflation,
which, by the way, now let

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me tell you he's leading all the
swing states, a lot of them by

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over ten points. Now let's talk
to Mary. Hi. Mary, By

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the way, we love solving problems. And again, I don't want to

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be a downer, but these are
things we need to talk about. You

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know why Hey talking? Yeah?
So down, Tom? What's that not

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a down if it's reality? Yeah? Now, hold on, both of

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you. I just want to tell
Mary, we'll take you right right now.

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Hold on, go ahead. Mark. I'm sorry, Well we saw

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George Thoorgood. I did not realize
this guy's like mid seventies. I think

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he's seventy four or seventy five.
He's popping around on stage, killing it

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on the guitar. It just remarkable. Man, A man of that age

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up there doing what he's doing was
just phenomenal. I just it's encouraging,

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isn't it. I like that.
I like to see that. I'll bet

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you could do that. Tom,
You're in a great shop. I here's

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what I say. In ten years, I can be president. I'll be

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old enough to be president. I
made that joke at Mark's dad's birthday.

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I said, now you're old enough
to be president. That's right anyway,

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So Mary, what's going on?
Can you hear me? Okay? I

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can, Mary, thank you?
Okay. Just before you came on on

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the regular news, it said doctor
Jill Biden and Gay's medical information about heated

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interiors of cars. She is not
a medical doctor's Oh she's not right.

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I know what is going on?
Well, I just think you know anybody

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people grab onto people grab onto credibility, issue things for credibility. I mean,

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she she does have a PhD.
But but you're right, I mean,

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here's the deal. I don't know. I don't know. I just

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want to forget that. Whoopy Goldberg
wanted her to be the surgeon general too?

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Are you kidding me? I am
not kidding you. Whoopy Goldberg on

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the View said that she wanted doctor
Jill Biden to be the surgeon general.

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You know, technically, do you
have to be a doctor to be the

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surgeon general? Do you? Technically? I don't think, for example,

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you have to be a lawyer to
be a Supreme Court justice. I mean

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I think pretty sure you do,
do you? I don't know. I

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mean I don't think you have to
be a lawyer to be a judge.

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Look it up. I'm looking it
up right now. To be on the

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Supreme Court, I don't think so
well. I might as a medical doctor.

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I think what they should do is
call people who are not medical doctors

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professor, so that you differentiate them
and you don't have this confusion. Yeah,

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Mark, I mean doc always had
that thing he was he was upset

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about, and I don't blame him. Sometimes PhDs overstep, especially if they

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have a PhD of nutrition, they
start giving medical advice right now, listen

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to this. According to Professor Bing, you do not have to be a

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lawyer to be appointed to the US
Supreme Court, nor do you have to

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be a lawyer to be a judge. The Constitution sets no explicit requirements.

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How about that, now, no
age, no education or job experience.

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I was in Colorado. In Colorado, you have to be the nominee has

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to be a qualified elector of the
state of Colorado, licensed to practice law

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in Colido for at least five years? Is that to be a Is that

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to be a Supreme Court? Hey? Colorado, Mark, listen to this.

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The Supreme Court, according to the
US Constitution, it does not require

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citizenship. Wow. Well, if
you think about it. They have to

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be nominated by the President. Then
they have to pass Congress. So I

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mean, really, it's pretty hard
to get there, as we all know.

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So Mary make your final comment.
Okay, she's gone. Okay,

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let's go to Pamela. Hey,
Pamela, I'm Tom Martino. What's going

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on? I'm mister Martino. What's
happening? I have a squatter in my

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home? Oh no, yeah,
do wait, wait, wait, you

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really do have a squatter in your
home or do you have them in a

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rent to love yours? And my
home is rented out? I'm sorry,

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Yes, it was my rental property. He is now gone. Is that?

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Oh? Is that the one that
you called us that your son caught?

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Oh? This is another one?
Okay, yahness? May I ask

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what happened? How did it happen? Okay? He was doing some work

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for us, cutting our yard,
and someone must you know, because it

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was just my mother and I.
So some handyman work. Yes, she'll

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be ninety tomorrow. And what happened? So this guy's doing some handyman work?

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And what happened? So he knew
a lot about us information and the

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people that were reading my property who
got in October? So because we're Enjoygia

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for medical procedures. So I had
her to give him the key to my

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home. Oh. Now, did
he claim that he had any kind of

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an agreement with you? No?
How'd you get him out? Set up

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a court appearance from quit via telephone? And he didn't show? Okay?

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And then did you get a rent
for eviction? Didn't have to do any

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of that? Did he leave on
his own. He's a cat. And

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not only was he squatting in my
home, he was trying to rent too,

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yes to some people eight hundred dollars
a month. I found all this

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out. Oh, I remember during
COVID. This happened to some friends of

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mine. During COVID there were some
tenants listen to this that moved out and

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stopped paid rent, stopped paying rent
and they couldn't be evicted, but they

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moved out. Then they rented the
place that they did not own that they

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were getting rent free thanks to the
government and COVID. They were collecting rent

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on a place that they were not
paying on because of COVID. Do you

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remember that Mark that was the most
neighbor gave I call and that happened to

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him. So they were renting a
place in Castle Rock, nice house,

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you know, and they they weren't
paying any rent for a year and a

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half. And on top of that, they were renting out the basement in

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a room to other people, if
you can believe that, and collected money.

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So fimiliar to my situation. How
horrible. Now, what else do

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you have going on? What you
called about insurance? Yes, because with

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him squatting the majority of what needs
to be done is because of what he

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and oh what happens thing? You
know, we have never asked that question.

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I think to Brian Burns, why
don't we Why don't we get Compass

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on because I'm gonna I have a
feeling we're gonna need him. Hold on,

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we'll come right back to you.
All right, let's talk about this.

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Anyone else with a problem, question
or complain, give us a call.

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That's what this show's all about.
Let's kick some ass. Let's fight

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for our rights. I'm Tom Martine. Don't forget waterpros dot net. The

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content. Time for an insurance checkup, free, no obligation comparison call Compass

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Insurance paying too much your coverage at
dozens of insurance companies find out now three

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all three seven seven one help.
You'll think you're his only customer. When

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you choose Frank durand the real estate
man dot com to list your home with

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Remax Alliance three all three nine two
zero sixteen twenty two. Hey Tom Martino,

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your troubleshooter three all three seven one
three talk three all three seven one

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three eight two five five. By
the way, mark you missed yesterday.

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Drew called in. He was asking
about you, and that'll up to you,

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man. What was he He was
upset. Listen to this. His

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insurance. He could not get a
quote on his car from State Farm insurance.

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Now he's never had State Farm before, so it's not like they knew

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him. And they said we don't
want you, but they not give him

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a quote, and he was very
upset and he's wondering why. Well,

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we found out why he actually did
have an issue. We ran a clue

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report and he has an open pip
personal injury protection here, the pip acclaim,

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And what Compass told us is that
they will not open a new policy

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for someone who has an open claim
on personal injury. So that's what happened.

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And I had our signature sound for
Drew. Listen, tell me if

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you think this is apropos, it's
perfect anyway, let's continue with pam here.

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She had a squatter, she evicted
the squatter, and then she has

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a claim and we're trying to get
compass on where do we stand on that?

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Kachina And hey, Pamela, what
did your insurance companies say? You

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know, they called me busnit train
numbers and said they've called back in a

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day or two, which more than
likely they did. However, I was

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in the doctor's well. It doesn't
matter they if you missed a call,

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that doesn't negate your claim. Are
they going to fix the damage or not?

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They I have no idea. They
have not called me. I've been

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calling for two weeks, oh three
or four times a day. You know,

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it's very curious. If someone broke
into your house and destroyed stuff,

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you would have coverage. Now,
now is this this is a little different.

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Remember this is a state farm.
We're talking about one of the worst

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companies in the entire world. Oh, you know, I just I want

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to ask these state farm agents right
now. I want to ask them,

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how do you sleep at night?
I swear to God, if you call

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in, I will give you the
utmost respect, But tell me how you

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sleep at night? Knowing you can't
give people the best option in the insurance

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world and you're tied to one company, and how the hell does that work.

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I'd like to know that. I'd
like to know how you do it.

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I have been reduced to tears because
do you have an agent? Do

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you have? Wait? Don't they
say like a good neighbor, state farm

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is there? Is? That?
The song? Got it? Hey,

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Pam, do you have an agent? I do, and he has not.

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He has not called you back.
No, and the case was put

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in a march sat Wait, did
you call the agent? I'm not talking

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about the company, not the claims, not the adjuster. Did you call

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your local agent, like a good
neighbor he is there or she is?

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00:17:00.720 --> 00:17:08.200
Did you call that day? Oh, you didn't call your local agent to

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00:17:08.240 --> 00:17:11.000
find out? I want to listen
here. I'm going to give you some

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00:17:11.079 --> 00:17:15.519
homework. I want you to call
him today telling you we're on the radio,

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00:17:15.880 --> 00:17:18.799
and I think it's atrocious. You
have not even heard from anyone,

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00:17:18.079 --> 00:17:22.000
and you're looking at a bad faith
lawsuit. If he doesn't get you action,

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00:17:22.319 --> 00:17:26.079
then call me back. I mean
it. Okay, that's all we're

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gonna do. I'm gonna give you
some homework. You call your agent.

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00:17:27.480 --> 00:17:32.079
You can call me, you can
call me back. Even now, let's

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00:17:32.079 --> 00:17:36.599
talk to Compass insurance that they're are
expert here. They have nothing to do

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00:17:36.640 --> 00:17:41.480
with State Farm. Now they do
the insurance checkup, by the way.

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That means they will check to see
you're not over insured, under insured,

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that you're not that you're not paying
too much. So, uh, let's

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see who's there. Jeremy, Hey, Jeremy, listen, man with a

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squatter. There's damage done that would
be covered by homeowners right, okay,

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I yes, that should be vandalism. Okay. And can they say in

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the case of him being a handyman
and she let him, she didn't let

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him stay, but he just started
staying there. Can they turn it around

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in any way and say it was
her fault for hiring him or anything.

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Could they turn that into more like
he should go to his insurance or you

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know, with that change anything.
So the handyman is the squatter, yes,

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exactly, and then he's left,
he has since left, Okay,

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I mean it was if it was
a case like a normal case where a

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handyman, you know, caused a
bunch of damage, right, typically you

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could still go to your Oh okay, would Okay. I mean a lot

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of that is on intent though,
right, So that's the part with the

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00:19:06.599 --> 00:19:11.079
squatter, you know, like they're
not supposed to be there. It's a

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lot different than a than a tenon
right, because what we yet a lot

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of times with vandalism is hard living
versus vandalism. Was this malicious? Did

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they intend? No? No,
you're I see that? What if?

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00:19:25.079 --> 00:19:30.640
What if they were a squatter?
Now they left, but while squatting there,

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he's just a mess. He just
you know, dirty and all that.

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00:19:33.400 --> 00:19:38.000
See, when does it become discreet
it to be any damage a squatter

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would cause, it is intentional because
they're not supposed to be there. Okay,

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00:19:44.359 --> 00:19:47.960
excellent, Yeah, hey Jeremy,
how about if your house was empty

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00:19:48.000 --> 00:19:52.279
for a long period of time and
a squatter kind of broke in after I

243
00:19:52.279 --> 00:19:55.559
don't know, let's say it's been
empty for a couple months and a squatter

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00:19:55.599 --> 00:20:00.400
breaks in and creates all kinds of
damage. A lot of police these are

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00:20:00.400 --> 00:20:04.039
going to have vacancy exclusions that will
kick in. Usually it's sixty days,

246
00:20:04.039 --> 00:20:11.000
but it could be vary by company
where they're going to exclude vandalism. So

247
00:20:11.079 --> 00:20:15.200
you got to be careful on a
vacant home. We're seeing a lot of

248
00:20:15.200 --> 00:20:19.079
these right now where people will want
to keep their policy and just kind of

249
00:20:19.319 --> 00:20:25.960
ignore it and you know it's vacant, but it's always best to deal with

250
00:20:26.000 --> 00:20:29.920
that and get a specific vacant home
policy or a policy that's not going to

251
00:20:29.960 --> 00:20:33.839
exclude that vandalism because a vacant home
where squatters could come in, you certainly

252
00:20:33.839 --> 00:20:37.799
could have some issues of coverage.
Hey, when you said when you said

253
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just the vandalism part, the other
perils. Let's say you're not in your

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00:20:42.200 --> 00:20:47.200
house for ninety days or a half
a year, whatever it is, and

255
00:20:47.400 --> 00:20:51.160
forget about that. But a storm
comes through and you have hail damage.

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00:20:51.839 --> 00:20:55.640
Does it not pay out for the
hail damage either? Do those perils get

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covered and just vandalism is not.
Every company is going to have different exclusions,

258
00:21:03.160 --> 00:21:07.519
So for everyone listening, make sure
you check yours specifically. But the

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00:21:07.559 --> 00:21:11.920
two big ones are going to be
vandalism and then issues with freezing. So

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00:21:11.960 --> 00:21:15.039
they don't want like if the home's
vacant, they want to make sure you're

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00:21:15.200 --> 00:21:18.640
you know, turn your water off
or keep the heat on. You can't

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00:21:18.680 --> 00:21:22.359
just ignore the home because we know, you know, if you don't win

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00:21:22.480 --> 00:21:26.960
orize it and you're not heating it
that you're going to have problems. So

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00:21:26.039 --> 00:21:30.319
the idea or you know, if
it's vacant or yeah, if it's vacant

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00:21:30.400 --> 00:21:33.839
at some point the you know it's
going to get vandalized. So their typic

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00:21:34.000 --> 00:21:40.680
the spirit of it is to exclude
damages that are very likely to happen.

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00:21:40.920 --> 00:21:45.559
But every company can write their own
as far as what they want to exclude.

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00:21:45.559 --> 00:21:51.039
But typically I would say, hell
would not be an issue. Okay,

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00:21:51.279 --> 00:21:53.480
thank you very much, Jeremy.
Not the hal's going to happen,

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00:21:53.640 --> 00:22:00.440
so yeah, so what the hell
that anyway, Jeremy. Compass Insure Group

271
00:22:00.480 --> 00:22:04.720
and remember home of the free insurance
checkup three oh three nine nine six nine

272
00:22:04.720 --> 00:22:15.240
thousand more coming up. Go with
a sure thing Denver's Best Roofer Excel Roofing

273
00:22:15.359 --> 00:22:22.720
dot com. You don't pay a
cent until you're content, wait time for

274
00:22:22.720 --> 00:22:26.519
an insurance checkup free, no obligation. In comparison, call Compass Insurance paying

275
00:22:26.519 --> 00:22:30.680
too much your coverage at dozens of
insurance companies find out now three oh three

276
00:22:30.759 --> 00:22:34.480
seven seven to one help. You'll
think you're his only customer when you choose

277
00:22:34.519 --> 00:22:38.440
Frank durand the real estate Man dot
com. To list your home with Remax

278
00:22:38.480 --> 00:22:48.160
Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino,

279
00:22:48.720 --> 00:22:53.119
your troubleshooter three O three seven one
three talks seven one three eight two five

280
00:22:53.279 --> 00:22:59.880
five shoe canos with us My Money, Myway dot com three oh three seven

281
00:23:00.039 --> 00:23:03.759
of a nine sixty six hundred.
He's one of our financial extors we talked

282
00:23:03.759 --> 00:23:11.119
to, a certified financial planner.
Talks about retirement and talks about fixed indexed

283
00:23:11.160 --> 00:23:18.000
annuities. He's got like fifty seven
of them, and he also does overfunding

284
00:23:18.039 --> 00:23:21.480
of life insurance. And in my
opinion, that's kind of like, well,

285
00:23:21.839 --> 00:23:25.480
I don't I hesitate to call it
an an annuity, but it's a

286
00:23:25.519 --> 00:23:30.720
way to raise to have income tax
free, and it's also a way to

287
00:23:30.920 --> 00:23:34.279
grow tax free. And for those
who maybe don't have a giant lump sum,

288
00:23:34.319 --> 00:23:38.279
it's an excellent product. And it's
a trick that a lot of people

289
00:23:38.359 --> 00:23:41.680
do. They purposely overfund life beguers
now, Joe, I know you want

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00:23:41.680 --> 00:23:45.079
to talk about both, but can
we talk about the life insurance product?

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00:23:45.279 --> 00:23:56.079
Are you still doing that? Okay, I'm going to go to Justin now.

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00:23:56.359 --> 00:23:59.559
Justin is online one, he has
an employment issue? Justin what's going

293
00:23:59.599 --> 00:24:03.000
on with you? Hello? Justin
I We'll talk to Joe later. Justin

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00:24:03.039 --> 00:24:07.480
what's happening? Yeah? I just
had some employment issues and soon where I

295
00:24:07.519 --> 00:24:11.920
can go? I mean that work
for I'd rather not give you the name,

296
00:24:11.920 --> 00:24:17.720
but it's a pretty big, well
known company anyway. They treat certain

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00:24:17.720 --> 00:24:22.319
employees different depending on what department you're
in. Yeah, what's going on?

298
00:24:22.599 --> 00:24:26.319
Manufacturing? And they're not wanting to
give us half hour breaks? They're telling

299
00:24:26.359 --> 00:24:32.440
us that they're paid now. Now
hold on, So this is a regular

300
00:24:32.720 --> 00:24:37.880
w two hourly position? Is that
right? Correct? And you're supposed to

301
00:24:37.920 --> 00:24:41.839
get a half hour break every four
hours? Is that how it works?

302
00:24:44.000 --> 00:24:45.759
I'm not exactly sure. I know
that you're supposed to get one and then

303
00:24:45.799 --> 00:24:49.920
you know, like a ten or
fifteen something anyoney of it? What kind

304
00:24:49.920 --> 00:24:55.039
of employment? What? Wait?
What kind of employment is it? It's

305
00:24:55.079 --> 00:24:57.839
manufacturing? Okay? Can you give
me an idea without giving me the company,

306
00:24:59.039 --> 00:25:00.599
like like an assembly line or what? Just help me out here.

307
00:25:02.160 --> 00:25:08.400
We manufacture products, okay? You
managed? Like? Is so you're in

308
00:25:08.440 --> 00:25:12.079
a shop right with other workers and
you're all sitting there and you all start

309
00:25:12.119 --> 00:25:17.119
at a certain time and it's piece
work, is it? Is it like

310
00:25:17.240 --> 00:25:22.839
piece work running machinery? Okay?
Got it? Now tell me how tell

311
00:25:22.880 --> 00:25:27.039
me? I need to know a
few things here, because there are circumstances

312
00:25:27.079 --> 00:25:33.720
where that could change. So you
start at what time generally around six o'clock

313
00:25:34.759 --> 00:25:41.880
okay, and then you work till
when when is your day over two o'clock

314
00:25:42.319 --> 00:25:48.319
okay? So it's exactly at two
o'clock seven eight, yeah, eleven,

315
00:25:48.400 --> 00:25:51.960
twelve, one two, So that's
eight hours. So what they're doing is

316
00:25:52.200 --> 00:25:56.200
they're letting you work the eight hours
because if they add the brakes, do

317
00:25:56.279 --> 00:26:00.440
you understand that, like if they
add an lunch hower, you'd be there

318
00:26:00.559 --> 00:26:03.680
nine hours. Right? Do you
take a lunch hour? They don't give

319
00:26:03.680 --> 00:26:07.720
it to us, right, because
they're they're doing for pay us for eight

320
00:26:07.759 --> 00:26:12.279
hours and we're there for eight hours. That's exactly, that's right. That's

321
00:26:12.279 --> 00:26:15.839
what I was getting at now.
Whether or not that's because hold on,

322
00:26:17.160 --> 00:26:19.880
if they add time for your breaks
and stuff, you know, it just

323
00:26:19.920 --> 00:26:23.920
goes on the back of your day, right, They don't have time.

324
00:26:23.960 --> 00:26:26.960
They just pay you the exact No, no, bro, bro, I'm

325
00:26:26.960 --> 00:26:30.559
not saying that. I here's what
I'm saying, let's say you make one

326
00:26:30.640 --> 00:26:32.640
hundred dollars for the day. I
mean, I don't know what it is.

327
00:26:32.720 --> 00:26:34.400
Let's just use that figure. Now, you're there for eight hours,

328
00:26:34.400 --> 00:26:37.920
you make one hundred bucks. Let's
say, or make it easy, you

329
00:26:37.960 --> 00:26:41.960
know, whatever figure you want.
Now that's for eight hours. If they

330
00:26:41.000 --> 00:26:45.759
add a lunch hour, they don't
pay you for it. So you'd be

331
00:26:45.839 --> 00:26:51.640
there nine hours and still make the
hundred bucks. Right, but it wouldn't

332
00:26:51.640 --> 00:26:56.839
be an hour and be a half
a hour. Okay, well either one.

333
00:26:56.920 --> 00:27:03.559
What I'm saying is but some workers
would rather have that break, right,

334
00:27:03.880 --> 00:27:07.079
And is that the way you feel? You don't care if you're there,

335
00:27:07.400 --> 00:27:10.400
say two thirty, as long as
in the middle you get a break,

336
00:27:11.200 --> 00:27:12.960
get some sort of break. No, I get what you're saying.

337
00:27:14.079 --> 00:27:17.400
Yeah, yeah, and there's nothing
wrong with that. Why don't they do

338
00:27:17.480 --> 00:27:19.640
that? Then? I mean,
you're not asking for extra money, you're

339
00:27:19.680 --> 00:27:26.160
asking to take a break. Yeah, And I don't know. They just

340
00:27:26.200 --> 00:27:29.720
tell us if you want it,
you need to clock out. And then

341
00:27:29.759 --> 00:27:32.440
even if we need to go to
the bathroom, you can't stop the machine.

342
00:27:32.480 --> 00:27:33.799
Oh wait a minute, Wait a
minute, wait, wait a minute.

343
00:27:33.839 --> 00:27:40.839
They're telling you you're there eight hours
straight with no breaks. You're supposed

344
00:27:40.880 --> 00:27:47.279
to get a thirty minute unpaid meal
break for every you're not allowed that they're

345
00:27:47.319 --> 00:27:51.680
breaking the law. Okay, no
matter what, even if even if they

346
00:27:51.960 --> 00:27:55.599
I mean, what I'm saying is
they're not breaking the wall. They're still

347
00:27:55.640 --> 00:27:59.880
paying you for time work. But
you're not supposed to work more than five

348
00:28:00.079 --> 00:28:03.640
hours straight, right, right,
And even if we need to go to

349
00:28:03.640 --> 00:28:06.839
the bathroom, you used to be
you could hold the machine and go.

350
00:28:06.960 --> 00:28:11.720
Every four hours is a ten minute
break, right, And we don't get

351
00:28:11.759 --> 00:28:14.519
that. I mean, like I
said, even if we need to go

352
00:28:14.559 --> 00:28:15.599
to the bathroom, we just to
be able to hold the machines. Now

353
00:28:15.599 --> 00:28:18.279
they're telling us, nope, you
need to come find a supervisor to cover

354
00:28:18.359 --> 00:28:22.519
you. Well, okay, hold
on, hold on, Like wow,

355
00:28:25.559 --> 00:28:29.240
that's weird, that's weird. Yeah, it's getting pretty bad. I've been

356
00:28:29.319 --> 00:28:32.039
there for a very long time,
and within the last couple of years.

357
00:28:32.039 --> 00:28:34.680
It's just from what I'm from what
I'm reading about the law, they're doing

358
00:28:34.720 --> 00:28:38.920
it wrong. But now what I
mean, in other words, how many

359
00:28:38.960 --> 00:28:44.799
workers are there? Quite a few, and everybody's about set up with it,

360
00:28:44.960 --> 00:28:48.039
and nobody it seems to me it's
no skin off their back for doing

361
00:28:48.079 --> 00:28:52.240
it. Now, Now, did
they say, if you want to break,

362
00:28:52.319 --> 00:28:55.519
you can take the break. You
you clock out and take the break.

363
00:28:56.960 --> 00:28:59.640
Yeah, then at that point,
then you lose that eight hours and

364
00:28:59.640 --> 00:29:02.960
you don't get paid eight hours.
Wait a minute, you lose it?

365
00:29:03.039 --> 00:29:04.839
You mean you lose the thirty minutes
of the eight hours. You lose the

366
00:29:04.880 --> 00:29:07.640
thirty minutes. Yeah, you don't
get eight hours for that day. I

367
00:29:07.720 --> 00:29:12.519
understand how they are allowed to do
They are allowed to do that. In

368
00:29:12.559 --> 00:29:17.720
other words, if they're saying you
can take thirty minutes unpaid, and now

369
00:29:17.799 --> 00:29:21.240
we're so you're only going to be
paid seven and a half hours, they

370
00:29:21.279 --> 00:29:26.519
can do that ten the ten minute
rest breaks from other jobs they're giving us

371
00:29:26.519 --> 00:29:30.240
those, Yeah, the ten minutes
aren't subtracted from pay. You're right now,

372
00:29:30.240 --> 00:29:34.960
correct the ten minutes. Listen,
no matter what. Okay, let's

373
00:29:36.039 --> 00:29:40.240
let's just conclude whatever they're doing,
they're not doing it one hundred percent correct.

374
00:29:40.359 --> 00:29:42.200
So I mean, I'm with you
on that. The problem is what

375
00:29:42.240 --> 00:29:45.240
do we do about this? In
other words, I'm thinking, what does

376
00:29:45.279 --> 00:29:48.920
it get you in the end?
Wait, great a second, I'm a

377
00:29:48.920 --> 00:29:52.000
little confused. If they're getting the
ten minute rest breaks. They're not four

378
00:29:52.000 --> 00:29:56.400
hours or not. We're not We're
not getting anything. We're straight eight hours.

379
00:29:56.559 --> 00:30:00.279
Yesterday I left without a single meal
all day. But let me let

380
00:30:00.319 --> 00:30:03.519
me put you. But you can
clock out for lunch if you want,

381
00:30:03.599 --> 00:30:07.680
right, Yes, if you get
prission and somebody's able to cover you,

382
00:30:07.759 --> 00:30:11.839
yes, Okay, Well, I
mean yeah, I read here, but

383
00:30:11.880 --> 00:30:17.279
I'm not sure that's you know,
what, do we have any labor?

384
00:30:17.720 --> 00:30:22.240
God, we don't have labor at
anymore, never have. It's the most

385
00:30:22.240 --> 00:30:29.440
difficult area of law because waged workers
can't afford attorneys, and attorneys don't get

386
00:30:29.559 --> 00:30:36.000
clients. I mean, okay,
I mean they're kind of like, man,

387
00:30:36.039 --> 00:30:37.440
we wish this place, we could
turn it into a union. I

388
00:30:37.559 --> 00:30:41.000
mean, hold on a second.
By the way, you can do that,

389
00:30:41.160 --> 00:30:44.400
but hold on a second. I
think there is something you can do

390
00:30:44.480 --> 00:30:47.480
as a group and it won't get
you in trouble. But I got to

391
00:30:47.519 --> 00:30:48.839
take a break. Hold on three
oh three seven, one, three eight

392
00:30:48.880 --> 00:30:59.559
two five five. Go with a
sure thing Denver's best roofer excel roofing dot

393
00:30:59.599 --> 00:31:06.279
com. You don't pay a cent
until you're content. Time for an insurance

394
00:31:06.359 --> 00:31:10.920
check up free no obligation. In
comparison, call Compass Insurance paying too much

395
00:31:11.039 --> 00:31:15.319
your coverage at dozens of insurance companies
find out now three oh three seven seven

396
00:31:15.400 --> 00:31:18.160
one help. You'll think you're his
only customer when you choose Frank durand the

397
00:31:18.200 --> 00:31:22.759
real estate Man dot com to list
your home with Remax Alliance three oh three

398
00:31:22.839 --> 00:31:36.240
nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three O

399
00:31:36.400 --> 00:31:41.559
three seven one three talk three O
three seven one three eight two five five.

400
00:31:41.680 --> 00:31:48.799
Welcome to the show. Okay,
so we are here to solve your

401
00:31:48.839 --> 00:31:52.119
problems. We hope justin. But
here's what I think you need to do.

402
00:31:52.200 --> 00:31:55.240
You need to call wage an hour. These are good people and they

403
00:31:55.240 --> 00:31:59.839
will enforce it. I think they'll
keep you anonymous or you go as a

404
00:32:01.039 --> 00:32:07.640
What they might do is shift your
shift, your your hours. They may

405
00:32:07.799 --> 00:32:10.359
just start, you know, it's
from six to three. They give you

406
00:32:10.440 --> 00:32:15.599
the half hour, or excuse me, six to two thirty. They give

407
00:32:15.599 --> 00:32:17.519
you the half hour, and then
they're going to have to implement. Now,

408
00:32:17.640 --> 00:32:20.839
Mark was asking, and I know
what he was I think I know

409
00:32:20.880 --> 00:32:22.240
what he was going to ask about
the ten minute break every four hours.

410
00:32:22.279 --> 00:32:25.160
What happens at lunch. What happens
is you work four hours, you can

411
00:32:25.200 --> 00:32:29.839
take a ten minute break, and
then the next four hours you would take

412
00:32:29.839 --> 00:32:34.880
a lunch. Is the way it
would work. But in some cases where

413
00:32:34.880 --> 00:32:37.519
people work overtime and stuff, that's
where the extra ten minutes would come in.

414
00:32:37.920 --> 00:32:42.559
So no, no matter what,
they got to do something. So

415
00:32:42.880 --> 00:32:45.680
how do you guys get a different
way job? Man, If you're so

416
00:32:45.839 --> 00:32:49.279
unhappy with them, go find something
else. Oh yeah, I've been looking.

417
00:32:49.359 --> 00:32:52.400
Yeah, I've been looking. But
Mark, don't you really think seriously

418
00:32:52.839 --> 00:32:54.240
that he's got a good case.
I mean, in in liother words,

419
00:32:54.720 --> 00:33:00.000
that this man I had fifty I
had fifty employees hit to Good Years store,

420
00:33:00.480 --> 00:33:02.880
and not one time did any employee
I have over the years go,

421
00:33:04.200 --> 00:33:07.279
hey, we didn't get to take
our break. I just never even heard

422
00:33:07.279 --> 00:33:10.200
of such an issue. Yeah,
but when different kind of work, Mark,

423
00:33:10.920 --> 00:33:15.119
it's a different kind of work.
They're they're not doing piecemeal on a

424
00:33:15.160 --> 00:33:17.559
bench or on a on a drill
press or on a machine that they were

425
00:33:17.640 --> 00:33:22.240
like doing cars and they could get
a cup of coffee and they you know

426
00:33:22.240 --> 00:33:25.079
what I cou Yeah, I think
that's a whole different thing. Really,

427
00:33:25.119 --> 00:33:29.640
if you think about it one time
in my life, and I think it

428
00:33:29.680 --> 00:33:32.880
was a reason for some of my
success and and and monoicums, you know,

429
00:33:32.920 --> 00:33:39.359
a moderistic success as far as a
life. But I just loved having

430
00:33:39.400 --> 00:33:43.960
the experience when I worked at a
factory. I worked at a factory after

431
00:33:44.000 --> 00:33:49.119
school for about a year and and
it was terrible the factory work. And

432
00:33:49.240 --> 00:33:52.920
I know what he's talking about.
When you do piecemeal, those breaks mean

433
00:33:52.960 --> 00:33:57.319
a lot. So justin that's what
I would do. I mean, I

434
00:33:55.960 --> 00:34:01.200
I I really it's the only solution. Go with a sure thing Denver's Best

435
00:34:01.240 --> 00:34:06.279
roofer Excel Roofing dot com. You
don't pay a cent until you're content,

436
00:34:07.920 --> 00:34:14.800
Leave time for an insurance check up
free no obligation comparison call Compass Insurance paying

437
00:34:14.840 --> 00:34:17.920
too much your coverage at dozens of
insurance companies find out Now three oh three

438
00:34:19.039 --> 00:34:22.800
seven seven to one help. You'll
think you're his only customer When you choose

439
00:34:22.840 --> 00:34:27.280
Frank Durand the real estate Man dot
com to list your home with Remax Alliance

440
00:34:27.519 --> 00:34:38.719
three oh three nine two zero sixteen
twenty two d News. You needed that

441
00:34:38.960 --> 00:34:47.639
who you don't have? Run anxious
stas as we can Shooter's gonna help come.

442
00:34:50.159 --> 00:34:55.719
Sixth is the Troubleshooter Show. No
Tom Martino, Hi, Tom Martino

443
00:34:55.800 --> 00:35:00.280
here, Welcome to the show.
Three oh three seven one three We talk

444
00:35:00.360 --> 00:35:04.039
three all three seven one three eight
two five five. What's on your mind

445
00:35:04.079 --> 00:35:06.760
today? How can we help you? We have all kinds of things to

446
00:35:06.840 --> 00:35:09.719
talk about. Waterpros dot net will
get you the best water systems at the

447
00:35:09.719 --> 00:35:15.440
lowest prices, whole house systems to
get rid of, heavy metals to get

448
00:35:15.480 --> 00:35:17.639
rid of and by the way,
that not just minerals they call them,

449
00:35:17.639 --> 00:35:22.159
but heavy metals and other crap in
your water, plastics and all of that.

450
00:35:23.199 --> 00:35:27.239
About three grand a little more than
three grand NY thirty four three five

451
00:35:27.360 --> 00:35:30.880
hundred for the full monty. I
mean, you can get drinking water systems

452
00:35:30.880 --> 00:35:35.519
for fourteen hundred, just that the
kitchen sink. It's just remarkable what you

453
00:35:35.559 --> 00:35:38.320
can do with this remarkable water three
all three eight six two five, five

454
00:35:38.400 --> 00:35:43.000
five four. You will pay five
six times more if you go to a

455
00:35:43.039 --> 00:35:49.800
regular plumbing contractor for this stuff.
Waterpros dot net. Hey Joe Kanos with

456
00:35:49.880 --> 00:35:57.119
us My money, myway dot com. Last hour, I asked them about

457
00:35:58.280 --> 00:36:04.199
alternatives for people other than the stock
market, although as I said, we're

458
00:36:04.239 --> 00:36:07.960
not recommending you do all of one
thing ever, But when it comes to

459
00:36:08.000 --> 00:36:14.400
a lump sum, a fixed indexed
annuity can get that lump sum growing with

460
00:36:15.079 --> 00:36:19.960
a guarantee not to lose. It
can also give you a guaranteed income for

461
00:36:20.039 --> 00:36:25.239
life. And when it comes to
other things, overfunding life insurance we talked

462
00:36:25.239 --> 00:36:30.960
about now. Joe introduced me to
this many many many years ago, where

463
00:36:31.079 --> 00:36:36.239
you buy life insurance and you overfund
it on purpose. And the purpose is

464
00:36:36.280 --> 00:36:39.280
not really the life benefit, although
the death benefit although it does help.

465
00:36:40.079 --> 00:36:45.920
The real purpose is to accumulate tax
for earnings and then you start drawing it

466
00:36:45.920 --> 00:36:50.800
out as policy loans and it does
create kind of a tax free income.

467
00:36:51.119 --> 00:36:54.119
Now it's not an annuity, but
it still has the same protections. I

468
00:36:54.119 --> 00:36:58.719
mean, you're not going to lose, right, Joe, that is right.

469
00:36:58.800 --> 00:37:02.920
You know, Tom de life insurance
policy is guaranteed and tax free.

470
00:37:04.480 --> 00:37:07.639
And people today, you know,
they're tired of a couple of things.

471
00:37:07.000 --> 00:37:13.639
They're tired of paying high income taxes
and also they are tired of losing money

472
00:37:13.679 --> 00:37:19.039
in the stock market and also finance
charges. Look at mortgages. You know

473
00:37:19.079 --> 00:37:24.159
they're seven percent or more now.
So the key is this life insurance policy.

474
00:37:24.199 --> 00:37:29.679
You can put money in and a
gross tax deferred, and then you

475
00:37:29.719 --> 00:37:35.320
can take the money out income tax
free. Think about that, income tax

476
00:37:35.360 --> 00:37:38.360
free, so they can do their
own financing. The name of the strategy

477
00:37:38.920 --> 00:37:45.400
is called become the banker, because
you and essence become your own banker.

478
00:37:45.719 --> 00:37:50.480
I have done it myself. Was
on Jordan. He'll be in, he'll

479
00:37:50.480 --> 00:37:52.920
be at the studio year later.
But I mean you can ask him about

480
00:37:52.960 --> 00:37:58.039
it. He got his first car
and he financed it through his life insurance

481
00:37:58.079 --> 00:38:02.360
policy. He paid that off to
the life insurance and that he bought several

482
00:38:02.400 --> 00:38:09.039
other things. It's a fantastic strategy, totally different than the annuity life You

483
00:38:09.119 --> 00:38:14.679
know, they become the bankor policy
is for today's needs. People need it

484
00:38:14.719 --> 00:38:22.679
today to finance or purchases. The
annuity is for retirement. Yeah, and

485
00:38:22.679 --> 00:38:25.719
and and so can the UH.
Like I said, the overfunding of life

486
00:38:25.719 --> 00:38:30.679
insurance can help finance purchases. You
pay it back with interest, you grow

487
00:38:30.719 --> 00:38:34.039
even more money, and that can
be used in retirement too. I mean,

488
00:38:34.280 --> 00:38:37.960
let's face it, Joe, a
lot of people don't have enough to

489
00:38:37.039 --> 00:38:40.480
put in an annuity. That would
make a difference, is what I'm thinking.

490
00:38:40.960 --> 00:38:45.239
Now, I'm not I'm not saying
you know so, so this to

491
00:38:45.239 --> 00:38:47.000
me is like a poor man's annuity, and I don't even want poor man's

492
00:38:47.039 --> 00:38:54.159
it's it's it's a good tool.
And that's really what I love about it

493
00:38:54.199 --> 00:39:00.840
is that anyone can do it.
Absolutely anyone agree. I agree. I

494
00:39:00.840 --> 00:39:05.039
mean, anybody can do it.
They just have to be in good health.

495
00:39:05.400 --> 00:39:08.039
That's the main thing. Oh yeah, okay, that's a good point.

496
00:39:08.159 --> 00:39:14.119
That's a really good point. Right
to qualify for the life insurance with

497
00:39:14.280 --> 00:39:17.880
the reality there's no qualification at all. Okay, listen, what do you

498
00:39:19.039 --> 00:39:28.400
think about the uh what do you
think about the ideas that people have about

499
00:39:29.559 --> 00:39:34.280
you know, like you hear all
the time people talking about the stock market,

500
00:39:34.320 --> 00:39:38.320
day trading, they talk about all
kinds of How about real estate?

501
00:39:39.079 --> 00:39:42.880
And there's a guy who, by
the way, I trust him. He's

502
00:39:42.880 --> 00:39:45.480
a good guy. Locally, he
advertises they're not real estate trust, but

503
00:39:45.880 --> 00:39:52.000
he teaches you how to get involved
in real estate where you buy and rent

504
00:39:52.039 --> 00:39:54.280
out places. And there's a management
company that takes care of before you and

505
00:39:54.320 --> 00:39:59.400
all that. Everyone but they all
try to have one thing in common.

506
00:39:59.440 --> 00:40:04.039
They're trying to invest your money right, or get you to invest your money

507
00:40:04.360 --> 00:40:10.920
right. So tell me, seriously, now, what is the difference with

508
00:40:12.039 --> 00:40:16.800
what you're doing with the fixed indextinity
or the life insurance. I would say

509
00:40:16.840 --> 00:40:22.519
the biggest difference is one hundred percent
safety. That's what I would say that

510
00:40:22.400 --> 00:40:25.920
that is right. I mean,
you know, it's amazing that you mentioned

511
00:40:25.920 --> 00:40:30.320
this right now, because I just
met a couple yesterday. You know,

512
00:40:30.360 --> 00:40:36.400
they're in their fifties and they're making
a good income, but you know they're

513
00:40:36.719 --> 00:40:42.440
highly, highly worried about the stock
market accounts that they have. They told

514
00:40:42.480 --> 00:40:45.280
me, you know, I'm we're
in our fifties right now. We're going

515
00:40:45.360 --> 00:40:50.679
to start thinking, you know,
maybe in about ten years or twelve years,

516
00:40:50.719 --> 00:40:52.920
I'm going to be retiring. I
want to keep my pool of money

517
00:40:52.920 --> 00:40:58.519
that I have built up on my
four to one case and I erase totally

518
00:40:58.599 --> 00:41:02.480
safe. I don't want to play
the stock market anymore. I've seen it

519
00:41:02.519 --> 00:41:06.239
go up and down. I mean, look that up in in two thousand

520
00:41:06.280 --> 00:41:08.719
and eight. I mean, people
lost a lot of money. So the

521
00:41:08.760 --> 00:41:15.360
biggest concern that people have that I'm
seeing right now is the ability to keep

522
00:41:15.400 --> 00:41:21.320
their money safe. So you're absolutely
right. Safety. Safety is the key

523
00:41:21.360 --> 00:41:25.519
to the annuity. You can grow
your money with safety, and then,

524
00:41:27.119 --> 00:41:31.159
just like the couple that we met, they want to have a guaranteed income

525
00:41:31.760 --> 00:41:37.159
for the rest of their lives.
This is what people really want to guaranteed

526
00:41:37.559 --> 00:41:42.800
income. Thank you, Joe.
I'll be back to you. If anyone

527
00:41:42.840 --> 00:41:45.039
has any questions, give us a
call. You know, let me just

528
00:41:45.039 --> 00:41:49.719
say something about Joe as a certified
financial prayer. I'm serious. You can

529
00:41:49.760 --> 00:41:52.920
ask them about other things too,
not just about this stuff. If you

530
00:41:52.960 --> 00:41:58.000
have any questions about financial planning for
your family. Hey, Doug, what's

531
00:41:58.039 --> 00:42:00.840
going on with you? Hi?
Doug, Hey, how you doing today?

532
00:42:01.119 --> 00:42:06.760
Good man? What's going on with
you? Yeah? I called in

533
00:42:07.679 --> 00:42:13.039
while just trying to find initially find
a if you had an attorney that might

534
00:42:13.079 --> 00:42:15.559
be able to help me out with
this. What's going on with is a

535
00:42:15.559 --> 00:42:19.079
lot of times people think they need
an attorney. We're able to help.

536
00:42:19.119 --> 00:42:21.920
I'm not saying you don't, but
what is this situation? What is the

537
00:42:22.000 --> 00:42:29.239
situation? Sir? I have a
F two fifty diesel truck that inadvertently had

538
00:42:29.599 --> 00:42:32.360
unleaded gas put in the tank.
How was it in? Who put the

539
00:42:32.400 --> 00:42:37.639
gas in there I did. I
was doing a dozen different things. And

540
00:42:37.119 --> 00:42:40.320
as soon as I knew it,
And so what did you? How much

541
00:42:40.320 --> 00:42:46.280
did you put in? All?
Probably about twenty twenty gallons fifteen gallons of

542
00:42:47.159 --> 00:42:52.639
what exactly what kind of gas?
Unloaded? Okay? And what I mean

543
00:42:52.719 --> 00:43:01.119
what octanes? You know? Eighty
seven properly okay? So so tell me

544
00:43:01.400 --> 00:43:06.719
did you what did you do after
that? Did you drive it? It

545
00:43:06.840 --> 00:43:09.400
was in a fuel line of pumps, so I turned it on. I

546
00:43:09.480 --> 00:43:14.320
drove it about a hundred feet.
That was probably turned on. So you

547
00:43:14.360 --> 00:43:17.000
didn't realize you did it until you
didn't realize you did it right away,

548
00:43:17.039 --> 00:43:22.360
then until after you drove a hundred
feet. In other words, you didn't

549
00:43:22.840 --> 00:43:28.239
pump it. I pumped it in
and realized, Hey, I just put

550
00:43:28.320 --> 00:43:30.880
an unloaded in my diesel and I
have to get it out of the way

551
00:43:30.920 --> 00:43:34.679
of the pump. Got it?
And oh okay? So you drove it

552
00:43:34.719 --> 00:43:37.599
about one hundred feet and then what
happened? And then I had it towed

553
00:43:37.639 --> 00:43:43.519
to a shop? Okay? And
what happened then? Help me and my

554
00:43:43.639 --> 00:43:49.159
son son act went with the toe
down to the shop. And what what

555
00:43:49.280 --> 00:43:54.280
year truck is this? So twenty
thirteen. Okay, and so tell me

556
00:43:54.320 --> 00:43:59.360
about what's going on. Now.
Why do you think you need an attorney?

557
00:43:59.559 --> 00:44:05.199
Well, we dropped it thinking that
we need the uh can't dropped,

558
00:44:05.440 --> 00:44:09.719
U drained, thrushed, Yeah,
fuel you know a couple of things in

559
00:44:09.800 --> 00:44:17.800
fuel line and yeah fuel pump.
Uh Huh. So I didn't hear anything

560
00:44:19.199 --> 00:44:22.519
for five days. Okay, So
you dropped it off, didn't now when

561
00:44:22.519 --> 00:44:25.760
you dropped it off? My son
dropped it off for me. Okay,

562
00:44:25.960 --> 00:44:34.159
did you ask for an estimate?
Uh? No, we just uh you

563
00:44:34.280 --> 00:44:36.920
just said that, Hey, this
is the situation. We didn't need the

564
00:44:37.400 --> 00:44:42.960
can't drop, drained, flushed?
Uh. And what's the name of the

565
00:44:42.960 --> 00:44:51.960
shan It's called uh v R Auto
or VR Truck and Auto Repair. How'd

566
00:44:51.960 --> 00:44:59.320
you find them? My son's used
them before. Okay, Okay, so

567
00:45:00.039 --> 00:45:01.000
hold on a second. We'll come
back to you. I want to I

568
00:45:01.000 --> 00:45:04.960
want to know what's going on with
it. And it was there for five

569
00:45:05.079 --> 00:45:08.400
days. We'll come back to you. I'm Tom Martino, and I hope

570
00:45:08.920 --> 00:45:14.559
it's not a real serious issue.
Well, I don't know. Hang on

571
00:45:15.480 --> 00:45:24.840
more. Right after this, go
with a sure thing Denver's best roofer Excel

572
00:45:24.960 --> 00:45:31.760
roofing dot com. You don't pay
a cent until you're content. Time for

573
00:45:31.800 --> 00:45:37.119
an insurance check up free, no
obligation. In comparison, call Compass Insurance

574
00:45:37.280 --> 00:45:40.400
paying too much your coverage at dozens
of insurance companies find out now three all

575
00:45:40.480 --> 00:45:45.159
three seven seven to one. Help. You'll think you're his only customer when

576
00:45:45.159 --> 00:45:47.880
you choose Frank durand the real estate
Man dot com to list your home with

577
00:45:49.000 --> 00:45:55.159
Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom Martino

578
00:45:55.280 --> 00:46:00.679
here, let's go to the phones
and help you. Hey, listen,

579
00:46:01.840 --> 00:46:10.760
Doug. He had his truck taken
into DNR. Thinks I already said DNR

580
00:46:10.840 --> 00:46:17.840
right, yeah, And it was
for having unleaded gasoline in his diesel tank.

581
00:46:19.639 --> 00:46:22.440
So he took it in to be
dropped and drained. What's going on

582
00:46:22.480 --> 00:46:23.880
now, Doug? What's happening?
It was there five days then? What?

583
00:46:25.360 --> 00:46:28.599
Well? I hadn't heard anything,
so I called and find out what

584
00:46:28.679 --> 00:46:30.280
was going on. I thought maybe
they were waiting on part or something.

585
00:46:30.880 --> 00:46:37.239
Uh. And I talked to Rick
and he said that, uh, that

586
00:46:40.159 --> 00:46:45.679
that he had already started to work, and he assumed I wanted it done.

587
00:46:45.920 --> 00:46:51.039
Something was dropped there and I said, well, well, usually when

588
00:46:51.119 --> 00:46:54.800
you drop a car there, it
does give permission to do the work usually,

589
00:46:57.159 --> 00:47:00.679
right right, okay, I mean
by the by the Colorado or a

590
00:47:00.679 --> 00:47:04.679
repair Act, it's assumed you want
work done when you drop it off.

591
00:47:05.559 --> 00:47:09.800
You're not allowed to drop it off, okay. But but also under the

592
00:47:09.840 --> 00:47:16.639
Colorado Repair Act, they're supposed to
give you an essay. So what happened?

593
00:47:17.840 --> 00:47:22.880
So he soon I wanted it done
with giving me an estimate, and

594
00:47:22.920 --> 00:47:27.440
he had already started it. I
said, where are we at now?

595
00:47:27.599 --> 00:47:34.800
And he said, twelve nine dollars. No, wait a minute, wait

596
00:47:34.840 --> 00:47:37.480
a minute, wait a minute,
what do you mean twelve thousand? What

597
00:47:37.519 --> 00:47:40.760
do you mean? Yeah? Oh
no, no, no, no,

598
00:47:40.760 --> 00:47:44.920
no, no, come on,
come on, How the hell, How

599
00:47:44.960 --> 00:47:52.000
the hell do they spend twelve thousand
dollars of your money? Well, apparently,

600
00:47:52.920 --> 00:47:58.239
what they did they dropped the tank
and they replaced everything new, from

601
00:47:58.280 --> 00:48:04.719
the tank to the fuel injectors.
But who said that had to be done.

602
00:48:05.039 --> 00:48:08.039
Nobody said it had to be done. They just did it. No,

603
00:48:08.039 --> 00:48:13.119
no, no, man, this
is unconscionable. This I would say

604
00:48:13.159 --> 00:48:17.440
if it was going to be a
squabble over a few hundred bucks twelve thousand

605
00:48:17.800 --> 00:48:25.119
dollars and he hadn't gone to the
hadn't yet put on a fuel rails and

606
00:48:25.159 --> 00:48:29.840
the injectors yet. So I'm probably
going to be looking at a fourteen thousand

607
00:48:29.840 --> 00:48:32.320
dollars bill. Oh no, you're
not, man, I can't believe.

608
00:48:32.599 --> 00:48:42.800
Honest to god, this is weird. No, listen, okay. I

609
00:48:42.880 --> 00:48:46.000
mean my question is basically, yes, I wanted to tank dropped. I

610
00:48:46.000 --> 00:48:50.000
wanted it taken care of. I
wanted a new tuel. Let me ask

611
00:48:50.039 --> 00:48:53.519
you some did a trow truck drop
it off? Yes? Was it after

612
00:48:53.639 --> 00:49:02.039
hours? Yes? Damn it?
You know what, I'd have to double

613
00:49:02.119 --> 00:49:07.360
chip that with my son because yeah, but you did your son talk to

614
00:49:07.440 --> 00:49:13.239
any hold on? Hold on man? If it was dropped there after hours?

615
00:49:13.639 --> 00:49:19.320
Did anyone call him or did he
talk to your son? He's only

616
00:49:19.360 --> 00:49:24.599
talked to my son. Uh,
And I told him I never received a

617
00:49:24.639 --> 00:49:28.360
call from him. I've never been
to the shop. I'm not asking that.

618
00:49:28.559 --> 00:49:32.360
I'm asking one thing. Only did
he talk to someone? Did your

619
00:49:32.400 --> 00:49:37.480
son go and talk to him?
Yes? Okay, here's a few things

620
00:49:37.480 --> 00:49:40.480
I want to get straight with you, because you're thinking he needed to do

621
00:49:40.599 --> 00:49:45.960
certain things. When you drop a
truck off or a car after hours at

622
00:49:46.000 --> 00:49:52.000
a repair shop. You are basically
opening yourself up. You are saying,

623
00:49:52.360 --> 00:49:55.400
fix my truck. Okay, that's
what you're saying. Like it or not,

624
00:49:57.119 --> 00:50:00.079
it's been decided in the courts before. That's what you're saying. However,

625
00:50:00.719 --> 00:50:07.880
however, I'm not sure that allows
them to get by the estimate.

626
00:50:08.320 --> 00:50:13.199
They may not have to give you
a written estimate, but I'm pretty damn

627
00:50:13.360 --> 00:50:22.119
well sure they should call you for
a verbal and an okay correct? Oh

628
00:50:22.199 --> 00:50:25.800
my god, So what did the
guy say? What did you say to

629
00:50:25.840 --> 00:50:30.159
the guy? Did you say,
what are you kidding me? I just

630
00:50:30.199 --> 00:50:36.639
said what And he said I was
like to say, what twelve thousand dollars?

631
00:50:36.679 --> 00:50:40.239
And he goes, yeah, it's
a forty hour job? And well,

632
00:50:40.880 --> 00:50:46.400
well no, did you say that's
Come on? This sounds crazy?

633
00:50:47.480 --> 00:50:51.039
Doc? Doc? Or is doc? There? Are you listening to?

634
00:50:51.280 --> 00:50:52.920
Doc? I can't believe you.
You got to call this shop, but

635
00:50:53.039 --> 00:51:00.800
first let me look up the auto
Repair Act. We got to look up

636
00:51:00.840 --> 00:51:05.159
a repair act, my god in
heaven. And I actually did turn it

637
00:51:05.199 --> 00:51:09.559
into my insurance company and they actually
said that they would cover it under my

638
00:51:09.920 --> 00:51:15.840
comp insurance. What wait a minute, they're gonna cover your stupid mistake.

639
00:51:16.840 --> 00:51:23.039
Surprise me. But they said all
I needed was fourteen hundred dollars worth of

640
00:51:23.079 --> 00:51:27.679
work to get it back on the
road. Oh, so they're gonna pay,

641
00:51:28.000 --> 00:51:30.920
and you know what, they're probably
right now. Listen, I just

642
00:51:30.960 --> 00:51:39.480
looked up the Auto Repair Act.
A repair facility cannot proceed with repairs without

643
00:51:39.559 --> 00:51:44.880
written consent of the owner, which
includes estimate of repairs. Now, I

644
00:51:44.960 --> 00:51:49.840
think there's a difference. Now,
here's the exception for vehicles that are towed

645
00:51:49.960 --> 00:51:55.960
in or left after business hours.
In such cases, the repair facility is

646
00:51:57.039 --> 00:52:05.599
allowed to perform work up to one
one hundred dollars for parts and labor without

647
00:52:05.639 --> 00:52:14.079
the owner's consent. For any repairs
exceeding this amount, the facility must obtain

648
00:52:15.360 --> 00:52:21.320
oral or written consent, so they're
not required to give you a written estimate.

649
00:52:21.960 --> 00:52:29.800
If it's dropped off before or after
hours, however, they must still

650
00:52:30.360 --> 00:52:35.599
get you an estimate and get repairs. They can't win this now, Doc,

651
00:52:36.000 --> 00:52:38.239
Doc, I'm gonna send this to
you, Okay, I want you

652
00:52:38.320 --> 00:52:42.519
to call them. I'm gonna text
this to you, Doc. Jeff.

653
00:52:42.679 --> 00:52:46.039
We've got Jeff. Okay, we
can get Jeff. But I mean,

654
00:52:46.079 --> 00:52:49.679
as far as calling and stuff,
I want to I want duck so I

655
00:52:49.719 --> 00:52:53.960
want to bring Jeff up. Jeff
vic Kimera transmission. Jeff, are you

656
00:52:54.039 --> 00:53:00.880
there, I'm here, Okay,
these listen to this. He dropped his

657
00:53:00.960 --> 00:53:05.599
car off. I mean, this
is crazy. He dropped his far off,

658
00:53:06.480 --> 00:53:13.159
and I just I can't believe it. They charged his truck was filled

659
00:53:13.199 --> 00:53:19.039
with gasoline instead of diesel. He
had it towed there and dropped it off

660
00:53:19.079 --> 00:53:24.800
after hours. He calls back five
days later and they say, oh,

661
00:53:24.880 --> 00:53:30.039
we're already almost done with repairs.
It's going to be like twelve grand so

662
00:53:30.159 --> 00:53:36.320
far, twelve thousand dollars Jeff.
Now, under the Auto Repair Act,

663
00:53:37.039 --> 00:53:40.320
they don't have to give him a
written estimate if it was done, if

664
00:53:40.320 --> 00:53:45.280
it was dropped off after hours.
However, they still have to get his

665
00:53:45.400 --> 00:53:47.440
consent if it's going to be more
than one hundred bucks. Are you aware

666
00:53:47.440 --> 00:53:51.239
of that, Jeff or not?
Yeah? Yeah. If it's towed in,

667
00:53:51.440 --> 00:53:53.239
or if it's brought in outside of
normal business hours, then there's an

668
00:53:53.280 --> 00:53:58.079
automatic consent for the small amouth something
like one hundred and twenty five hundred.

669
00:53:58.159 --> 00:54:00.679
That's right, that's right, it's
one hundred plus you're right plus ten percent

670
00:54:01.119 --> 00:54:06.559
or twenty percent something like that,
or twenty five you're absolutely right. Then

671
00:54:06.599 --> 00:54:08.840
what then you got to at least
call the guy and give them an estimate,

672
00:54:08.920 --> 00:54:13.840
right, Yeah, they don't have
to be in person. You can

673
00:54:13.880 --> 00:54:15.960
document it on the tip as far
as who you talk to, what time

674
00:54:16.000 --> 00:54:19.719
of day, what phone number you
used, or if it was done by

675
00:54:19.760 --> 00:54:22.880
facts or email or whatever the case
may be. And then who was to

676
00:54:22.920 --> 00:54:27.639
talk to him, and what you
talk to them about, and the actual

677
00:54:27.679 --> 00:54:35.960
price. My god, this is
so what's the recourse? What's the recourse?

678
00:54:36.239 --> 00:54:39.519
He can't charge them, that's what
the recourse is. He can't charge

679
00:54:39.559 --> 00:54:44.880
him. He has to refund thirteen
thousand dollars. Basically, well, he

680
00:54:44.920 --> 00:54:46.360
doesn't have to refund. You didn't
pay it yet, did you, sir?

681
00:54:47.599 --> 00:54:51.519
No, I was trying to figure
out what my options were. Well,

682
00:54:52.239 --> 00:54:54.440
you know, but here's where I
look at it. Doc, doc,

683
00:54:54.519 --> 00:54:59.000
it's their problem. Okay, it's
their problem right now, call them.

684
00:54:59.079 --> 00:55:01.760
It's their frick problem. I don't
care what they say. It's the

685
00:55:01.880 --> 00:55:06.599
law. And he can go and
listen you take in the court, but

686
00:55:06.719 --> 00:55:09.519
you may have to get an attorney
now because these guys, these guys are

687
00:55:09.679 --> 00:55:14.400
overboard. They're overboard. I mean, I don't care who that. They're

688
00:55:14.480 --> 00:55:17.519
overboard totally. They don't just get
to start doing this, and you know

689
00:55:17.559 --> 00:55:22.199
I don't. I've never heard of
this place before. Where are they forty

690
00:55:22.199 --> 00:55:29.000
one South Federal? Hey, Tom, do they still have his car?

691
00:55:30.119 --> 00:55:31.119
Yes? They still have my car. I was going to go try to

692
00:55:31.119 --> 00:55:36.400
pick it up today. And unfortunately
I'm going to have to put that of

693
00:55:36.440 --> 00:55:39.400
fourteen thousand dollars on my credit card
because I don't have that. Hey,

694
00:55:39.440 --> 00:55:44.559
listen, they're not going to let
you as soon as you bring this up.

695
00:55:45.039 --> 00:55:49.760
Okay, you we need to call. Do you want us to call

696
00:55:49.800 --> 00:55:52.400
them or not? Because I'll swear
to God if they're doing you wrong.

697
00:55:52.920 --> 00:55:57.199
Well, the problem is I don't
want them to hold his car hostage.

698
00:55:58.679 --> 00:56:00.599
That's that's the whole thing is.
I think what I need to do is

699
00:56:00.639 --> 00:56:06.440
go ahead, go down, pay
the pay the bill, get my vehicle,

700
00:56:06.880 --> 00:56:09.840
and then go from there and then
Cassidy and then you can contest a

701
00:56:09.960 --> 00:56:17.360
charge. Yeah. Now, Mark
just texted. Mark just texted and said

702
00:56:17.920 --> 00:56:22.239
he thinks there's no way. You
know what I can do? I can

703
00:56:22.280 --> 00:56:27.079
call Mark on my I can call
Mark on Google boys. But I'm going

704
00:56:27.159 --> 00:56:31.039
to take this break. Man.
Are you sure, Doug your son did

705
00:56:31.079 --> 00:56:37.960
not hear from them at all?
They have had contact with my son.

706
00:56:37.199 --> 00:56:43.719
Okay, hold on, hold on, don't ever tell me. Listen,

707
00:56:43.760 --> 00:56:45.920
he was your agent as far as
I'm concerned, he was your agent,

708
00:56:46.239 --> 00:56:52.079
and if he gave them any indication
to do work, you're screwed. Hold

709
00:56:52.119 --> 00:57:01.079
On, We'll come right back to
you with a sure thing Denver's Best roofer

710
00:57:01.199 --> 00:57:08.360
Excel Roofing dot com. You don't
pay a cent until you're content. Time

711
00:57:08.400 --> 00:57:13.840
for an insurance checkup free, no
obligation. In comparison, call Compass Insurance

712
00:57:14.000 --> 00:57:17.079
paying too much your coverage at dozens
of insurance companies find out now three O

713
00:57:17.199 --> 00:57:21.880
three seven to seven to one help. You'll think you're his only customer when

714
00:57:21.880 --> 00:57:24.639
you choose Frank durand the real estate
Man dot com to list your home with

715
00:57:24.760 --> 00:57:32.559
Remax Alliance three oh three nine two
zero sixteen twenty two. Hi Tom Martino

716
00:57:32.639 --> 00:57:37.559
here, let me bring up my
colleague here, Major Mark, Major,

717
00:57:39.480 --> 00:57:45.280
Hey Mark, did you hear that
game? Did you hear that guy say?

718
00:57:45.400 --> 00:57:49.000
Yeah? I texted you there's no
way this shop. First of all,

719
00:57:49.039 --> 00:57:52.280
how did they even know what to
look at. This is what I

720
00:57:52.320 --> 00:57:55.000
heard. The tow truck dropped it
off at night. And then the next

721
00:57:55.039 --> 00:58:00.239
communication was there's a twelve thousand dollars
bill. Find it impot right now,

722
00:58:00.360 --> 00:58:05.679
let's talk to and by the way, just so people know, you do

723
00:58:05.920 --> 00:58:09.559
consent to repairs when you drop a
truck or a car off before or after

724
00:58:09.599 --> 00:58:14.800
ours. However, the shop must
still if it's going to be more than

725
00:58:14.840 --> 00:58:17.320
like one hundred and twenty five bucks, they must still get you some consent

726
00:58:17.400 --> 00:58:22.480
from you, whether oral you know, verbal consent I mean, or written

727
00:58:22.519 --> 00:58:27.840
consent. Now, we used to
have for the people that dropped off in

728
00:58:27.880 --> 00:58:30.760
the middle of the night, not
necessarily a tow truck, but we would

729
00:58:30.800 --> 00:58:34.400
have these envelopes. You put your
keys in and you would fill out what

730
00:58:34.599 --> 00:58:37.840
work you wanted done. You could
put in a dollar amount in check a

731
00:58:37.880 --> 00:58:39.599
box and then you would drop it
in our key drop. So, I

732
00:58:39.599 --> 00:58:44.199
mean, I find it impossible this
shop just did twelve grande. Now,

733
00:58:44.320 --> 00:58:47.760
Doug, here's what I want to
know. After it was dropped off by

734
00:58:47.800 --> 00:58:55.000
a tow truck after hours. What
was the very next communication, Doug.

735
00:58:55.880 --> 00:58:59.840
Well, since my son is an
agent, I think I'm screwed because I

736
00:59:00.039 --> 00:59:04.320
just got off the phone when I
was on hold, and the para shops

737
00:59:04.360 --> 00:59:09.559
said they have to order a kit
that is designed specifically for this, and

738
00:59:09.599 --> 00:59:15.440
they ordered that kit. What does
that have to do with your son being

739
00:59:15.480 --> 00:59:19.239
an agent? Your son? If
your son told them to proceed, tell

740
00:59:19.280 --> 00:59:22.079
me what happened, because they can't
be blamed for that. What happened?

741
00:59:22.320 --> 00:59:30.400
Did your son tell them to proceed? Proceed with ordering the necessary parts to

742
00:59:30.440 --> 00:59:32.639
get it done? So? Yeah, but they still have to give them

743
00:59:32.639 --> 00:59:37.639
a price, did you know?
I mean, if he authorized it and

744
00:59:37.719 --> 00:59:42.360
said just fix it, order the
parts, I mean, that's authorization,

745
00:59:42.639 --> 00:59:45.920
now, Doug, Doug, I
guess that could be. I didn't parson

746
00:59:45.960 --> 00:59:50.559
into the law that much. I
guess that could be. You're supposed to

747
00:59:50.559 --> 00:59:53.000
get an estimate though market. That's
what the law says, even if not

748
00:59:53.119 --> 00:59:58.000
in writing, you should get it. But then it says verbal consent.

749
00:59:58.199 --> 01:00:01.840
So this is a screw job.
Doug. Did you talk to your son?

750
01:00:04.119 --> 01:00:06.199
I did. I just got off
the phone with him. Oh,

751
01:00:06.239 --> 01:00:07.280
I thought you said. You just
got off the phone with the shop.

752
01:00:07.599 --> 01:00:13.039
So your son said he gave them
permission to order the parts. Is that

753
01:00:13.119 --> 01:00:17.199
right? That's correct and in order. Wouldn't hold on though, come on,

754
01:00:17.360 --> 01:00:22.000
it wouldn't be permission to who the
hell brings it to a shop and

755
01:00:22.039 --> 01:00:25.360
gives permission to order the parts.
Only he gave permission to fix the vehicle.

756
01:00:28.199 --> 01:00:30.079
That my assumption. Now as well, I didn't know, Well,

757
01:00:30.119 --> 01:00:34.719
of course it is. I mean, come on, if someone if someone

758
01:00:35.239 --> 01:00:37.760
I call up and say this is
wrong with your car and we need to

759
01:00:37.880 --> 01:00:40.280
order the parts. You want to
get it fixed, and they say,

760
01:00:40.360 --> 01:00:44.000
yeah, order the parts, get
it fixed. Now, hell, that's

761
01:00:44.039 --> 01:00:47.079
his consent as it gets. Now
let's let's consider this mark. Okay,

762
01:00:47.199 --> 01:00:53.519
let's say they did nothing wrong under
the Auto Repair Act. Now let's ask

763
01:00:53.599 --> 01:00:58.840
about the repair itself. That doesn't
give them a license. I'm not saying

764
01:00:58.880 --> 01:01:01.559
they did, but it doesn't give
them a license to cheat. Now,

765
01:01:02.000 --> 01:01:06.320
if it ruined that, if it
ruined that engine, twelve grand on a

766
01:01:06.360 --> 01:01:09.559
diesel, that's probably right in there. Man, Well what did they do

767
01:01:09.760 --> 01:01:13.760
for twelve grand? That's what I
want to know. Or you say they

768
01:01:13.760 --> 01:01:15.920
have to go another couple grand,
it's going to be fourteen? What did

769
01:01:15.960 --> 01:01:22.719
they do for it? What they
have completed? And my assurance suggessor said,

770
01:01:22.719 --> 01:01:29.840
it looks looks like a great job. The fuel tank all the way

771
01:01:29.880 --> 01:01:34.039
to this. Why, here's what
I'm asking you. Did it have to

772
01:01:34.119 --> 01:01:39.519
be done? To my knowledge and
an adjuster's knowledge, says, running it

773
01:01:39.639 --> 01:01:45.159
for that short period of time,
the fuel contamination probably didn't even get to

774
01:01:45.239 --> 01:01:49.239
the fuel rail, So no,
it did not have to be done.

775
01:01:49.480 --> 01:01:53.159
Jeff Vic you have some comments from
Kimmeer Transmission. By the way, one

776
01:01:53.199 --> 01:01:57.559
of our experts. Go ahead,
Jeff. I just had a question about

777
01:01:57.559 --> 01:02:00.840
the sun because he can't legally all
authorise if he's not eighteen or older?

778
01:02:00.920 --> 01:02:06.000
Is he? Is he a minor? He's older, he is an adult?

779
01:02:07.960 --> 01:02:13.599
Okay, Jeff? Does it sound
that Jeff, if someone took a

780
01:02:13.639 --> 01:02:19.400
truck into you and it had unletted
fuel put in it, can you fathom

781
01:02:19.599 --> 01:02:23.119
spending this is that two fifty diesel
twenty thirteen? How many miles on a

782
01:02:23.199 --> 01:02:29.800
DOUG? I think one hundred and
sixteen thousand, can one hundred and one

783
01:02:29.760 --> 01:02:32.719
to one six? Can you fathom
spending twelve grand on it? Jeff?

784
01:02:34.320 --> 01:02:37.440
It could get up there for sure. Yeah. The GAFF can do a

785
01:02:37.480 --> 01:02:43.239
lot of damage and a very short
amount of time. All right, You

786
01:02:43.239 --> 01:02:46.760
know, if the company listen if
this auto shop, unless if they're outright

787
01:02:46.960 --> 01:02:51.239
thieves, I mean, even if
they're a little high priced. I mean,

788
01:02:51.280 --> 01:02:53.760
I don't think they're extraordinary from what
I'm hearing. But you would have

789
01:02:53.760 --> 01:02:58.800
had to fix it anyhow. I
mean, what's the difference here? What

790
01:02:58.920 --> 01:03:01.000
were you going to do if you
brought it somewhere else. Let's say they

791
01:03:01.000 --> 01:03:05.400
did call you and your son didn't
authorize it. What would you say,

792
01:03:05.440 --> 01:03:07.400
Oh, just keep the truck or
where would you have done with this?

793
01:03:07.639 --> 01:03:14.880
Maybe got another got another estimate.
I'll wait till the adjust adjuster gets out

794
01:03:14.880 --> 01:03:17.559
there and take before you do any
work, because I have to say.

795
01:03:17.559 --> 01:03:22.280
The adjuster said they could have got
it back on the road for about fourteen

796
01:03:22.360 --> 01:03:25.159
hundred. I that's I don't know
what they did. He say what they

797
01:03:25.159 --> 01:03:30.239
would so subjective. Yeah, that's
an adjuster, that's not attack. That's

798
01:03:30.239 --> 01:03:34.159
so subjective. But but in fact
the guy's an ass for saying that,

799
01:03:35.800 --> 01:03:40.719
Well, that's what the estimate from
all? Jeff or Jeff Okay, did

800
01:03:40.719 --> 01:03:45.960
the adjuster itemize what would have been
done for fourteen hundred? Yes? What

801
01:03:46.079 --> 01:03:58.519
did he say? Replace? Am
filter element replace? And then brings all

802
01:03:58.880 --> 01:04:05.679
a few pump as Lie pair and
replace, or do the fuel tank,

803
01:04:06.079 --> 01:04:13.960
fuel pump plus the fuel pumps,
clean the fuel tank plus. Okay,

804
01:04:14.079 --> 01:04:20.320
so Jeff, does it sound like
it could have been done for fourteen hundred?

805
01:04:20.360 --> 01:04:26.079
For fourteen hundred, I found a
little low. But that's the far

806
01:04:26.199 --> 01:04:30.119
cry from twelve thousand. From what
I meant. There could have been somewhere

807
01:04:30.159 --> 01:04:33.079
in the but that stuff, that
stuff he just named, Jeff, wouldn't

808
01:04:33.119 --> 01:04:36.679
you someone comes in and says,
hey, we put gas in our diesel.

809
01:04:38.000 --> 01:04:41.239
I mean, wouldn't that be the
minimum where you have to start everything

810
01:04:41.320 --> 01:04:44.880
they said? And then as you're
doing that stuff you would find out other

811
01:04:44.960 --> 01:04:50.840
damage. Yeah, that's what I'm
saying. So what who cares what this

812
01:04:50.960 --> 01:04:55.480
adjuster said? If he didn't tear
it down, he didn't find the other

813
01:04:55.559 --> 01:04:59.559
issues. Here's what we need to
do. Well, first of all,

814
01:04:59.599 --> 01:05:01.800
you should pay for it and get
it out of there, and then have

815
01:05:01.880 --> 01:05:05.159
it analyzed. I mean, why
you can't have an anlyes. Everything's removed,

816
01:05:05.199 --> 01:05:09.599
everything's replaced. Yeah, everything's going
well. Maybe they still have some

817
01:05:09.639 --> 01:05:12.119
of those parts. I don't know. I don't think there's cores on a

818
01:05:12.119 --> 01:05:15.159
fuel rail or anything. And here's
the other thing. Tell your kid to

819
01:05:15.199 --> 01:05:19.000
start mowing lawns. Did you Well, his kid didn't do it? Did

820
01:05:19.039 --> 01:05:26.679
he? Oh? Who did it? I accolutely put it in, So

821
01:05:27.280 --> 01:05:34.719
here's who did Yeah he did,
but run out fifteen twenty seconds? Would

822
01:05:34.760 --> 01:05:39.960
the gas get Jeff? If he
ran it for fifteen or twenty seconds,

823
01:05:40.039 --> 01:05:43.519
let's you even say a minute,
would that happen? I mean that fuel

824
01:05:43.599 --> 01:05:45.920
goes through their fast, right,
Jeff goes through there very quickly. Yeah.

825
01:05:46.519 --> 01:05:49.039
Only about a third of what's going
up to the fuel rails going into

826
01:05:49.039 --> 01:05:57.360
the engine. About two thirds go
back to the fuel tank's cooling. Yeah,

827
01:05:57.760 --> 01:06:00.840
so fifteen twenty seconds are running,
Jeff? What would have happened if

828
01:06:00.840 --> 01:06:04.000
he just drained What if it would
have happened on his own if he would

829
01:06:04.000 --> 01:06:09.119
have just drained it and filled it
up with diesel? What would have happened

830
01:06:09.119 --> 01:06:13.280
in reality? Really after running rough
for a few miles? What it wouldn't

831
01:06:13.239 --> 01:06:15.760
have ruined the engine? Would it? Well, you have incomplete combustion because

832
01:06:15.800 --> 01:06:20.039
you don't have a sparkbook, So
yeah, you can definitely ruin an engine.

833
01:06:20.519 --> 01:06:27.320
Oh really, all right, listen, but Jeff, thank you?

834
01:06:27.360 --> 01:06:33.840
By camera transmission the website Transmissions Denver
dot Com three oh three six nine three

835
01:06:33.920 --> 01:06:38.199
fourteen hundred. Any last words there, Steve because I mean not Steve,

836
01:06:38.400 --> 01:06:43.880
Doug because I feel really bad for
you. But once you said my son

837
01:06:44.039 --> 01:06:47.400
was the considered the agent, well, now listen, I'm not going to

838
01:06:47.440 --> 01:06:51.760
give you legal advice, but here's
the point. You need to check with

839
01:06:51.800 --> 01:06:57.079
someone. But I'm pretty sure that
if it was dropped off and you gave

840
01:06:57.119 --> 01:07:00.280
your son authority to do it,
and your son told them to pursue Seed,

841
01:07:00.920 --> 01:07:03.719
it would be damn near hard to
say that you know they violated anything.

842
01:07:03.840 --> 01:07:09.599
I mean, don't just think common
just think common sense. What is

843
01:07:09.639 --> 01:07:14.360
every repair shop gonna have to track
down the owner, not just track it

844
01:07:14.400 --> 01:07:17.599
down or for all they that's exactly
right, for all they knew he was

845
01:07:17.639 --> 01:07:20.840
the owner, and then they have
an action against your son. I mean,

846
01:07:20.840 --> 01:07:25.199
the whole thing would get messy,
Doug. If they did the work

847
01:07:25.639 --> 01:07:30.000
and quality work he've said, Look, price can get up there. I

848
01:07:30.039 --> 01:07:34.280
don't know, man, the worst
worst case scenario. You have something that

849
01:07:34.360 --> 01:07:38.400
works. Now, I'm Tom Martinez. We have more coming up. Three

850
01:07:38.480 --> 01:07:47.320
oh three seven one three talks seven
one three eight two five five Go with

851
01:07:47.400 --> 01:07:51.599
a sure thing Denver's Best Roofer Excel
roofing dot com. You don't pay a

852
01:07:51.679 --> 01:07:59.880
cent until you're content. Time for
an insurance check up free, no obligation.

853
01:08:00.039 --> 01:08:04.320
Comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies

854
01:08:04.400 --> 01:08:08.840
find out now three all three seven
seven to one help. You'll think you're

855
01:08:08.880 --> 01:08:12.760
his only customer when you choose Frank
durand the real estate Man dot com to

856
01:08:12.840 --> 01:08:16.600
list your home with Remax Alliance three
all three nine two zero sixteen twenty two.

857
01:08:17.439 --> 01:08:30.760
Yeah, Ritt News need advice?
Who you don't have? Come runxious

858
01:08:30.840 --> 01:08:38.640
as fast as you can. Shooter's
gonna help. Come man, This is

859
01:08:38.680 --> 01:08:45.479
the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome

860
01:08:45.520 --> 01:08:50.119
to the show. This hour brought
to you by eight eight eight Heating dot

861
01:08:50.159 --> 01:08:55.319
Com, which is also eight eight
eight heating, plumbing, cooling, an

862
01:08:55.359 --> 01:08:59.920
electric. And by the way,
they have right now a twenty eight dollars

863
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risk free service fee twenty eight bucks. They'll service anything in your one time

864
01:09:04.359 --> 01:09:08.680
one item like for example, water
heater which includes a flush, or they'll

865
01:09:08.720 --> 01:09:12.079
do a toilet, or they'll do
your furnace, or they will do something

866
01:09:12.079 --> 01:09:15.600
for twenty eight bucks. And if
you need any repairs beyond that, beyond

867
01:09:15.600 --> 01:09:21.279
a normal service, they credit you
the twenty eight bucks risk free service fee

868
01:09:21.680 --> 01:09:27.560
eight eight eight heating dot Com.
The number is easy to remember. It's

869
01:09:27.880 --> 01:09:32.680
three oh three seven seven zero two
seven seven six eight eight eight Heating dot

870
01:09:32.680 --> 01:09:38.720
Com. So I want to talk
to Steve real quick. He wanted to

871
01:09:38.760 --> 01:09:45.199
give an example of some success he
had with an annuity. You know,

872
01:09:45.239 --> 01:09:49.560
we talk often about this fixed index
annuity. Jordan's with us too, he

873
01:09:49.640 --> 01:09:53.920
deals with them along with his father
Joe. But I always like real life

874
01:09:54.000 --> 01:09:58.640
experiences, Steve. What was your
situation? This is a real life situation,

875
01:09:58.760 --> 01:10:05.000
Steve. Go ahead, Hi job, Thank you. So Steve,

876
01:10:05.119 --> 01:10:10.800
do you did you have a lump
sum in retirement or did you contribute to

877
01:10:10.840 --> 01:10:15.479
an annuity? How did you come
about an annuity? Well, I retired

878
01:10:15.520 --> 01:10:21.960
from the Boulder Valley School District in
twenty sixteen. I had a modest investment

879
01:10:24.239 --> 01:10:31.000
with Voya initially and with Empower later. The modest investment was about sixty eight

880
01:10:31.119 --> 01:10:35.279
thousand dollars. And was that in
a four to oh one K or what

881
01:10:35.279 --> 01:10:40.439
what kind of investment? Was it? Four oh one K and a four

882
01:10:40.600 --> 01:10:46.760
fifty seven? Got it? And
it grew over the years up until COVID.

883
01:10:47.319 --> 01:10:54.359
It grew from about sixty eight grand
to ninety two grand. Okay,

884
01:10:54.640 --> 01:11:01.000
after COVID hit I in the past
three years or so, I lost twenty

885
01:11:01.039 --> 01:11:06.119
four thousand dollars. Oh my god, it was It was not on me

886
01:11:06.479 --> 01:11:14.399
because I'm not smart enough to manage
the investment, and so Empower and Boya

887
01:11:14.600 --> 01:11:18.319
managed it for me. But I
ended up losing twenty four grand. And

888
01:11:18.359 --> 01:11:23.680
I listened to you every day of
the week, and I've learned so much,

889
01:11:23.840 --> 01:11:29.239
thank you and thank you Steve.
So I thought, well, why

890
01:11:29.279 --> 01:11:35.039
not talk to Joe. Yeah,
And so Joe sold me an annuity with

891
01:11:35.199 --> 01:11:42.319
what I had left from ninety two
down to sixty eight thousand dollars. And

892
01:11:42.399 --> 01:11:47.720
I got an annuity of darn near
seven hundred dollars a month until I'm dead,

893
01:11:48.680 --> 01:11:53.680
no matter how long I live.
Is that wonderful? And you got

894
01:11:53.800 --> 01:11:57.680
and did you get? Also on
top of that, did you get a

895
01:11:57.720 --> 01:12:05.199
bonus going in I'm not sure whether
that was included in the ash burial or

896
01:12:05.439 --> 01:12:11.319
not. And it's something I've been
meaning to ask. Hey, let's ask

897
01:12:11.399 --> 01:12:14.680
Jordan. Jordan, was there a
bonus when he went into that? To

898
01:12:14.720 --> 01:12:17.880
make up for some of that loss
he had. Typically there always is.

899
01:12:17.920 --> 01:12:25.840
But did you turn it on immediately
the nuity? Oh yes, rather than

900
01:12:25.920 --> 01:12:30.760
wait a year. Yeah, good, yep, that's beautiful. So I

901
01:12:30.840 --> 01:12:35.880
turned it on immediately. And how
old are you right now, Steve ibbab

902
01:12:36.039 --> 01:12:44.319
seventy eight in July seventy eight.
And here's the good part about this.

903
01:12:45.199 --> 01:12:48.640
You have a guaranteed income and if
there's any money left, it goes to

904
01:12:48.680 --> 01:12:59.439
your heirs and you can't lose a
dime. Correct. Yeah, it's great,

905
01:13:00.560 --> 01:13:04.079
No, no, it really is. You You typify a great exemple.

906
01:13:04.560 --> 01:13:10.920
You had a very important nest egg
and it grew and then all then

907
01:13:10.960 --> 01:13:13.560
you lost everything it grew from.
You know, you know, all that

908
01:13:13.680 --> 01:13:19.119
growth you lost. So you said
enough of this madness, you know.

909
01:13:19.760 --> 01:13:25.479
Yeah, I want to see thank
you yep. And I and I did

910
01:13:25.520 --> 01:13:29.840
not want to have to go back
to work. Yeah, well, thank

911
01:13:29.880 --> 01:13:32.760
you, by the way, and
thank you for everything you've done as a

912
01:13:32.800 --> 01:13:35.359
teacher too. Listen, here's what
I want to say that this is a

913
01:13:35.399 --> 01:13:41.880
great example. You see the stock
market, they were investing money and they

914
01:13:41.920 --> 01:13:45.319
made some money for this guy,
and then it went right back to where

915
01:13:45.359 --> 01:13:51.119
it was now here's the deal.
The stock market is not a bad thing.

916
01:13:51.680 --> 01:13:56.279
It can be done conservatively safely.
It can make money, it can

917
01:13:56.279 --> 01:14:01.840
outpace inflation. It can. But
once if you get your money, you

918
01:14:01.960 --> 01:14:12.000
can't depend on it for retirement.
The lump sum doesn't stay a lump sum.

919
01:14:12.319 --> 01:14:15.920
And and that's what I'm getting at, is that, sure a fixed

920
01:14:15.960 --> 01:14:21.119
indextinuity has you know, once you
do it, it's it's it starts growing

921
01:14:21.159 --> 01:14:25.399
at its own rate, and then
you have the guarantees and all that.

922
01:14:25.880 --> 01:14:29.239
And sure you could make a hit
in the stock market that would be bigger,

923
01:14:29.920 --> 01:14:31.079
and then you can lose it,
and then you can make more,

924
01:14:31.159 --> 01:14:34.279
and then you can invest in other
things. But as you get older,

925
01:14:34.720 --> 01:14:40.840
that volatility you don't want. Jordan, Isn't that how you would put it?

926
01:14:42.000 --> 01:14:45.199
That's exact. Yeah, that's exactly
how I'd put it. It's I

927
01:14:45.279 --> 01:14:48.600
always say it's a great way to
earn interest, just like a stairway effect.

928
01:14:48.600 --> 01:14:51.760
You're gonna go up when the market's
up, get the interest, but

929
01:14:53.239 --> 01:14:56.239
the mark comes down and crashes.
With these accounts, it locks in.

930
01:14:56.319 --> 01:15:00.039
You can't go lower and go negative, just like Steve refer to in that

931
01:15:00.119 --> 01:15:03.279
previous annuity. So you're your spot
on the This is a great way to

932
01:15:03.319 --> 01:15:06.319
grow money, give you income for
the rest of your life, and on

933
01:15:06.359 --> 01:15:10.760
top of that long term care.
Yeah. And I don't mind people if

934
01:15:10.800 --> 01:15:15.399
they're in the stock market as they
as they're younger middle age or even getting

935
01:15:15.439 --> 01:15:18.920
upper upper middle age. But at
some point what you should do is harvest

936
01:15:19.159 --> 01:15:24.039
some of the gain and preserve it, and then if you want to still

937
01:15:24.079 --> 01:15:27.600
continue to invest, fine, you
know That's what I did, Jordan.

938
01:15:27.760 --> 01:15:30.039
I I took a lump sum out
of my four oh one k, but

939
01:15:30.159 --> 01:15:33.239
continued my four oh one k.
I mean, and it's in the stock

940
01:15:33.279 --> 01:15:36.640
market. I mean, what you
don't want to do is put everything at

941
01:15:36.720 --> 01:15:41.239
risk in the stock market. And
that's the whole point. Hey, anyway,

942
01:15:41.239 --> 01:15:44.359
can I give an example? Yes, go ahead, you go ahead,

943
01:15:44.359 --> 01:15:48.920
Doc. I did a lump sum
and I got to guaranteed UH income

944
01:15:49.760 --> 01:15:55.880
with a minimum of three percent every
year. So on the minimum of three

945
01:15:55.920 --> 01:16:00.800
percent growth is what you're saying cost
of living, right minimum? So yeah,

946
01:16:00.960 --> 01:16:04.079
on the on the adversary of my
purchase, it's the stock market.

947
01:16:04.279 --> 01:16:08.840
If the market goes up up more
than three percent, I get whatever the

948
01:16:08.880 --> 01:16:13.039
market went up. If the market
saved the same or went down. I

949
01:16:13.119 --> 01:16:16.119
get to three percent, no matter
what, you know, that's a good

950
01:16:16.119 --> 01:16:19.600
option. What is that called,
Jordan, What is that called? Cost

951
01:16:19.680 --> 01:16:25.359
of living? Yeah? Usually it's
like a like the income writer. It

952
01:16:25.439 --> 01:16:28.920
allows to step up. So some
of them called income writers, some of

953
01:16:29.039 --> 01:16:30.760
it just call you know, like
roll up, you know, and so

954
01:16:30.840 --> 01:16:33.479
it's just a great way that he
just like docs saying, there is just

955
01:16:33.520 --> 01:16:36.560
a great way to allow your money
to continue to grow. Here. Paycheck's

956
01:16:36.600 --> 01:16:42.319
better for the future, whether it's
inflation or just like you said, cost

957
01:16:42.319 --> 01:16:45.720
of living increase here in Colorado especially, Yeah, thank you. Three h

958
01:16:45.800 --> 01:16:49.199
three seven one three talk seven one
three two five five. Jay's got to

959
01:16:49.239 --> 01:16:54.479
comment on that gas diesel issue.
This guy had a truck and he puts

960
01:16:54.520 --> 01:16:58.920
some gasoline in the in the tank
instead of diesel. He drove he said,

961
01:16:58.920 --> 01:17:02.640
one hundred feet called the tow truck
and he's facing now twelve to fourteen

962
01:17:02.680 --> 01:17:06.920
thousand dollars in repairs. What is
your comment, Jay, Uh, just

963
01:17:06.920 --> 01:17:12.039
to start as it's pretty crazy,
but I think and you touched on it

964
01:17:12.079 --> 01:17:15.720
briefly, but from my days when
I was in mechanic, I'll tell you

965
01:17:15.880 --> 01:17:19.800
people that bring me things that have
been to shop after shop after friend after

966
01:17:19.920 --> 01:17:24.760
shop, and I'd always say do
you have the old parts, and they

967
01:17:24.760 --> 01:17:29.000
say no, keep your old parts. Always tell them you want your parts.

968
01:17:29.159 --> 01:17:31.439
Then if there's something going weird,
you can go back and look and

969
01:17:31.479 --> 01:17:34.760
see, Okay, this was fine, we can put it back on.

970
01:17:34.840 --> 01:17:40.159
You can take it back and come
and stick this. Keep the parts.

971
01:17:40.560 --> 01:17:43.800
If it does run into a problem, you can always take your old parts

972
01:17:43.840 --> 01:17:47.640
with you to someone else who can
evaluate the situation much better with your old

973
01:17:47.760 --> 01:17:53.239
parts available. Thank you, Jay, And under the Colorado Repair Act,

974
01:17:53.239 --> 01:17:55.760
you have a right to get those
parts. Thank you very much. Three

975
01:17:55.840 --> 01:17:59.119
O three seven three eight. Yes, this is Deputy bo. I have

976
01:17:59.199 --> 01:18:03.119
a comment about uh diesel case.
All right, let's look after this.

977
01:18:03.239 --> 01:18:08.680
I also want to take Diana,
who has an identity theft issue, and

978
01:18:08.880 --> 01:18:12.239
uh it's let's get started with Diana
at least for a few, for a

979
01:18:12.279 --> 01:18:16.279
few for a minute here, So
Diana, what is this issue? Well,

980
01:18:17.239 --> 01:18:19.800
first of all, thank you so
much for taking my phone call.

981
01:18:21.399 --> 01:18:28.920
Unemployment is coming after me over wages
that I did not claim for. Uh.

982
01:18:28.960 --> 01:18:34.680
Oh are they saying that you got
unemployment and you didn't exactly? Yes?

983
01:18:35.079 --> 01:18:39.840
Oh, okay, well, we
have some contacts there. Hold on,

984
01:18:40.039 --> 01:18:43.199
we'll come back to you on this
and it'll be a warning to others.

985
01:18:43.239 --> 01:18:45.319
Plus, we have some people that
can help with this. We do

986
01:18:45.479 --> 01:18:51.119
have some good contacts. I'm Tom
Martino three oh three seven one three eight

987
01:18:51.159 --> 01:19:01.239
two five five go with a sure
thing Denvers Rufer Excel Roofing dot com.

988
01:19:01.279 --> 01:19:09.399
You don't pay a cent until you're
content. Time for an insurance checkup free

989
01:19:09.479 --> 01:19:15.119
no obligation comparison call Compass Insurance paying
too much your coverage at dozens of insurance

990
01:19:15.119 --> 01:19:17.640
companies find out Now three o three
seven to seven to one help. You'll

991
01:19:17.680 --> 01:19:21.479
think you're his only customer when you
choose Frank durand the real estate man dot

992
01:19:21.520 --> 01:19:27.239
com to list your home with Remax
Alliance three oh three nine to zero sixteen

993
01:19:27.319 --> 01:19:42.119
twenty two. So Diana says she's
being pursued by the Division of Unemployment,

994
01:19:42.319 --> 01:19:48.800
saying she received benefits she should not
have gotten. Diana explain, how did

995
01:19:48.840 --> 01:19:55.680
they con how did they contact you? Well, it's kind of the long

996
01:19:55.720 --> 01:20:00.520
story, but away I first thought
the notion that something was wrong. I've

997
01:20:00.560 --> 01:20:04.279
been working at the same company for
over two years, and my HR approach

998
01:20:04.319 --> 01:20:09.479
man said Diana, why is that
unemployment telling us that your file is a

999
01:20:09.560 --> 01:20:12.880
benefits like I'm not, and I
haven't been for quite anyway. Moving on,

1000
01:20:13.239 --> 01:20:15.479
well, hold on, hold on, hold on, hold on.

1001
01:20:15.880 --> 01:20:20.960
Did you ever get unemployment? Yes, but I haven't been unemployment forever?

1002
01:20:21.439 --> 01:20:28.319
For how long? Oh gosh?
Maybe four years? Okay? All right,

1003
01:20:28.359 --> 01:20:36.439
fine, So maybe during COVID Oh
gosh, I don't know how long

1004
01:20:36.439 --> 01:20:42.359
ago was that, like for let's
say in twenty twenty, right, twenty

1005
01:20:42.520 --> 01:20:48.279
twenty, yeah, twenty twenty.
Anyway. One of the crazy things about

1006
01:20:48.279 --> 01:20:55.800
the whole situation, I went on
my account to unemployment. Yeah. The

1007
01:20:55.960 --> 01:21:00.039
dates that they're claiming that I called
in tom is the dates that I've been

1008
01:21:00.079 --> 01:21:06.720
working at the company I've been working
out and they even took me to court.

1009
01:21:08.239 --> 01:21:12.760
I did file. Wait wait wait, how long how long were you

1010
01:21:12.960 --> 01:21:17.159
on benefits when you were on them? Oh gosh, I don't know,

1011
01:21:17.239 --> 01:21:21.960
maybe six months or so if that. I've never been an unployment much longer

1012
01:21:21.960 --> 01:21:26.880
than maybe five or six months.
Okay, now hold on, So then,

1013
01:21:27.239 --> 01:21:30.319
y you say they took you to
course, So when did they make

1014
01:21:30.399 --> 01:21:33.800
this claim? When did this claim
first come in you that you owe them

1015
01:21:33.840 --> 01:21:41.159
money it's been about two maybe two
and a half years ago. And like

1016
01:21:41.199 --> 01:21:44.239
I said, I've been working at
the same company, Diana that long,

1017
01:21:44.359 --> 01:21:49.439
Diana. Hold on, you're calling
now about a collection effort that happened two

1018
01:21:49.479 --> 01:21:58.159
and a half years ago. No, when did they start? When did

1019
01:21:58.159 --> 01:22:02.960
they start pursuing you for collection?
What was the first time you heard from

1020
01:22:03.000 --> 01:22:10.000
them for collection on? Just a
few months ago? Okay? Got it?

1021
01:22:10.239 --> 01:22:14.600
So a few months ago they came
after you for benefits you supposedly got

1022
01:22:14.920 --> 01:22:19.119
a years ago. Okay? Exactly
and why and how much did they say

1023
01:22:19.159 --> 01:22:25.119
they wanted? Well, this is
going to get kind of goofy. As

1024
01:22:25.199 --> 01:22:30.920
birthday, were telling me seventeen hundred
okay, and we went to court?

1025
01:22:30.920 --> 01:22:34.159
And why did you go to court? That's the part. Why did they

1026
01:22:34.239 --> 01:22:42.960
sue you on? Because they wanted
their money and I kept telling them I

1027
01:22:43.000 --> 01:22:49.079
don't owe you guys' money. Okay? Are they talking about Are they talking

1028
01:22:49.159 --> 01:22:57.079
about the unemployment you got during COVID
or are they talking about something that supposedly

1029
01:22:57.199 --> 01:23:01.520
happened after that when you started working
right right after that, when I started

1030
01:23:01.520 --> 01:23:05.159
working as the dates that they're claiming
that I are they saying that you were

1031
01:23:05.239 --> 01:23:12.680
working plus getting benefits exactly, that's
exactly what they're saying. That's yes,

1032
01:23:12.840 --> 01:23:16.159
Well, did your benefits stop when
you when you started working at this place?

1033
01:23:18.319 --> 01:23:21.800
No, I don't know, because
again I did not get any money

1034
01:23:21.840 --> 01:23:25.279
from this. Okay, I don't
know where that money went to, but

1035
01:23:25.319 --> 01:23:30.239
I didn't get When did you start
at this new job? It would have

1036
01:23:30.319 --> 01:23:33.760
been okay, what was this twenty
four? Then there for two years?

1037
01:23:34.079 --> 01:23:42.680
Okay, it would have been in
yeah, January of twenty two. Okay.

1038
01:23:43.640 --> 01:23:48.439
And so in court, what did
they prove? They didn't. They

1039
01:23:48.439 --> 01:23:51.640
didn't really prove anything. They had
a they had a witness. So you

1040
01:23:51.720 --> 01:23:58.479
won? Did you win? Not? Because the judge told me, he

1041
01:23:58.600 --> 01:24:01.520
goes, Diana, do you have
proof that you filed identity theft and sacked?

1042
01:24:01.600 --> 01:24:04.520
I put a claim in the on
the website. You don't know that.

1043
01:24:05.720 --> 01:24:10.520
I just need to know this.
What did you win or did you

1044
01:24:10.720 --> 01:24:15.479
lose? Obviously lost because they have
a collection agency that is taking money out

1045
01:24:15.520 --> 01:24:24.119
of So you got a judgment against
you for how much? Well, to

1046
01:24:24.159 --> 01:24:30.159
begin with, it was seventeen hundred
what is it right now it's almost three

1047
01:24:30.279 --> 01:24:36.159
thousand. I'm very confused about that. Oh my god. And because it's

1048
01:24:36.159 --> 01:24:41.399
a default and not a default because
it's a judgment from the courts for fraud.

1049
01:24:42.239 --> 01:24:46.279
You're not going to get out of
it. You you missed your chance.

1050
01:24:46.800 --> 01:24:50.840
You missed your chance to defend yourself
on this. Apparently the judge didn't

1051
01:24:50.880 --> 01:24:59.720
believe you. Did you claim that
there was identity theft involved? I tried.

1052
01:25:00.000 --> 01:25:02.960
I did call the police department out
here where I live. I finally

1053
01:25:02.960 --> 01:25:09.479
found the opposite that took my complaint. No, that's not what I'm asking

1054
01:25:09.600 --> 01:25:14.560
I'm asking about in court. Did
you claim that, yes, it wasn't

1055
01:25:14.640 --> 01:25:20.680
you who applied for benefits? Yes, yes, And the judge didn't believe

1056
01:25:20.720 --> 01:25:27.600
you. The judge says, you
have no proof exactly, and I've never

1057
01:25:27.640 --> 01:25:33.439
heard that you have to prove your
innocent. So you said that you did

1058
01:25:33.479 --> 01:25:38.600
not collect these benefits. Do they
have a record of where the benefits went?

1059
01:25:40.479 --> 01:25:45.399
Well, every time I called him
unemployment and asked him that I got

1060
01:25:45.439 --> 01:25:48.760
up. You never get a hold
of the same person twicea Collins unemployment.

1061
01:25:49.720 --> 01:25:53.680
One guy looked at one guy looked
on my record, and he goes,

1062
01:25:53.720 --> 01:25:55.920
I can tell it was you.
I said, well, how can you

1063
01:25:56.039 --> 01:25:59.520
tell that? He goes, what's
your phone number. It's like, that

1064
01:26:00.239 --> 01:26:03.399
doesn't make in sense. You guys
have not researched any of this, and

1065
01:26:03.600 --> 01:26:06.359
the more lust told me that it
was my problem and it couldn't help me.

1066
01:26:09.720 --> 01:26:14.680
Well, especially especially because you went
to court and lost. Yeah,

1067
01:26:14.720 --> 01:26:17.760
I mean yeah, so they had
an attorney. You didn't have an attorney

1068
01:26:17.760 --> 01:26:23.520
though, did you You know I
couldn't afford one, so you went and

1069
01:26:23.560 --> 01:26:28.520
defended yourself exactly, Yes, sir, What did you say? I mean,

1070
01:26:28.560 --> 01:26:31.279
what did they ask you on the
stand? Well, they didn't ask

1071
01:26:31.399 --> 01:26:35.640
me anything. The judge was about
ready to make a decision without me and

1072
01:26:35.800 --> 01:26:39.399
say, I mean say anything.
It's like, wait a minute, I

1073
01:26:39.479 --> 01:26:42.479
want to quest and fly on my
own behafist because I don't have him turney.

1074
01:26:42.920 --> 01:26:45.239
He's like, okay, what do
you want to say? And I

1075
01:26:45.319 --> 01:26:49.520
said, I did not receive these
benefits. I filed for identity theft on

1076
01:26:49.600 --> 01:26:54.680
the website and I also called the
police department. And he goes, well,

1077
01:26:54.720 --> 01:26:57.079
well, hold on, when did
you do that? When did you

1078
01:26:57.119 --> 01:27:01.760
call the police? Yeah? I
first actually reached out to them this January.

1079
01:27:02.520 --> 01:27:08.560
Okay, but the fraudulent payments were
made a few years ago, so

1080
01:27:08.600 --> 01:27:15.159
what would make you reach out in
January on. Well that was right before

1081
01:27:15.199 --> 01:27:18.600
I had to go to court.
That's what so you you did not You

1082
01:27:18.680 --> 01:27:28.640
did not file a fraud report until
unemployment contacted you and said somebody got applied

1083
01:27:28.680 --> 01:27:32.359
for benefits in your name. Yes, okay, Well then I know what

1084
01:27:32.399 --> 01:27:38.279
the judge means. The judge is
saying the only reason you filed for identity

1085
01:27:38.359 --> 01:27:42.600
theft was because you heard about this
collection. I get that, and there's

1086
01:27:42.640 --> 01:27:45.399
nothing wrong with that. You didn't
know somebody was getting benefits in your name,

1087
01:27:46.000 --> 01:27:56.479
but they claim people got benefits in
your name exactly using your social Yes,

1088
01:27:56.600 --> 01:27:59.640
and don't. I don't know,
I just do I just let it

1089
01:27:59.680 --> 01:28:01.960
go. Well, I don't think. I don't think you have a choice.

1090
01:28:02.560 --> 01:28:06.359
I mean you said, when were
you found guilty? When was that

1091
01:28:06.479 --> 01:28:13.239
judgment rendered? We didn't have to
say I was guilty, But like I

1092
01:28:13.279 --> 01:28:15.680
said, he just told me.
It was like Diana, I don't you

1093
01:28:15.720 --> 01:28:17.800
know, you're not giving me any
proof. He didn't. When were you

1094
01:28:18.039 --> 01:28:25.279
found fraudulent? When did the judge
rule that a judgment against you? I

1095
01:28:25.279 --> 01:28:28.560
don't care what you call it,
guilty, innocent, purple white eye?

1096
01:28:28.840 --> 01:28:33.439
What just tell me what was the
date of that judgment a couple of months

1097
01:28:33.479 --> 01:28:38.880
ago. Now you might still be
able to appeal it. Did he tell

1098
01:28:38.920 --> 01:28:44.359
you that? Well, when everything
was said and done, I was on

1099
01:28:44.479 --> 01:28:46.399
hold theess like, so what do
I do now? And he's like,

1100
01:28:46.439 --> 01:28:49.840
if I were you, I would
start with unemployment and then work your way

1101
01:28:49.880 --> 01:28:55.159
back. I did call an employment
Wait who told you that? Who told

1102
01:28:55.159 --> 01:28:58.960
you that? The judge did?
So? Was this was this a regular

1103
01:28:59.119 --> 01:29:02.840
court where you went downtown to a
courtroom or was this a hearing with the

1104
01:29:02.920 --> 01:29:10.199
unemployment division? It was hearing and
it was over the stone, so it

1105
01:29:10.279 --> 01:29:17.239
wasn't a real trial. Yeah,
okay, then then they're an actual judgment

1106
01:29:17.399 --> 01:29:23.199
against you. I don't know,
because, like I said, I didn't

1107
01:29:23.199 --> 01:29:26.439
get any paperwork and that all I
know is we're taking money out of my

1108
01:29:26.520 --> 01:29:30.439
thing. Wait, so ho ho
ho ho. So they are garnishing your

1109
01:29:30.439 --> 01:29:39.479
wages? Yes, okay, God, this is terrible. They must have

1110
01:29:39.600 --> 01:29:45.159
they must have gotten a judgment.
Well, when I called into the collection

1111
01:29:45.359 --> 01:29:50.279
agency, she gave me a choice. She goes, you can need to

1112
01:29:50.319 --> 01:29:54.680
do this on your own, river
garnish your paycheck. So I did it

1113
01:29:54.720 --> 01:29:59.319
on my own. And then when
I found out that the amount had doubled.

1114
01:29:59.359 --> 01:30:01.720
It's like, how well the world
did that happen? Nobody has reached

1115
01:30:01.720 --> 01:30:05.119
out or said anything. And then
she's like, Diana, let me call

1116
01:30:05.199 --> 01:30:10.479
them and see what they say.
She never reached back out to me anyway.

1117
01:30:10.520 --> 01:30:15.199
I know that doesn't really matter.
But no, this is I don't

1118
01:30:15.239 --> 01:30:17.840
know. I don't know if you
can appeal it or not. I don't

1119
01:30:17.840 --> 01:30:24.399
know what kind of judgment there is
against you. Can you ask the court

1120
01:30:24.680 --> 01:30:27.560
or where you work for it?
Well, no, they only have a

1121
01:30:27.640 --> 01:30:31.399
rid of garnish. Man, do
you have a case number? No?

1122
01:30:31.479 --> 01:30:34.960
I do not, well not unless
you count the paperwork that they sent me.

1123
01:30:35.600 --> 01:30:40.359
Yeah, there's a case number on
there. Okay, give me one

1124
01:30:40.439 --> 01:30:43.000
second, serve. I'm going to
put you on hold. Three oh three

1125
01:30:43.119 --> 01:30:46.720
seven to one three talks seven one
three eight two five five. This is

1126
01:30:46.760 --> 01:30:51.960
a sad situation, folks. This
sounds like she's gotten man, I don't

1127
01:30:51.960 --> 01:30:57.560
know. It sounds like she got
screwed on this one. We have more

1128
01:30:57.560 --> 01:31:00.640
coming up. Three oh three,
seven to one, three eight two five

1129
01:31:00.840 --> 01:31:11.199
five. Go with a sure thing
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1130
01:31:11.239 --> 01:31:16.840
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content. Wait time for an insurance check

1131
01:31:16.920 --> 01:31:23.119
up free, no obligation comparison call
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1132
01:31:23.159 --> 01:31:27.199
dozens of insurance companies find out now
three oh three seven seven to one help.

1133
01:31:27.359 --> 01:31:30.960
You'll think you're his only customer when
you choose Frank durand the real estate

1134
01:31:30.000 --> 01:31:34.399
man dot com to list your home
with Remax Alliance three oh three nine two

1135
01:31:34.479 --> 01:31:45.680
zero sixteen twenty two. Hi Tom
Martino here at three oh three seven one

1136
01:31:45.720 --> 01:31:50.359
three talk three oh three seven one
three eight two five five deb what's going

1137
01:31:50.399 --> 01:31:59.159
on with Liberty Mutual? Oh?
Hi? I have been insured homeworkers anato

1138
01:31:59.520 --> 01:32:03.079
with Liberty Mutual as and on,
and I had a big claim on my

1139
01:32:03.159 --> 01:32:10.119
house. This is both home and
auto. Yeah, but it refers only

1140
01:32:10.159 --> 01:32:15.520
to my home right now, I
have a big claim in twenty and twelve

1141
01:32:15.840 --> 01:32:17.680
get hail on my roof or whatever? And they now, wait a minute,

1142
01:32:17.800 --> 01:32:23.920
do you mean twenty twenty two or
twenty twelve? Okay, So twenty

1143
01:32:24.000 --> 01:32:27.439
and twelve, that's that's where the
problem was. I didn't even know.

1144
01:32:28.840 --> 01:32:31.119
Okay, hold on, We're going
back to twenty twelve. Okay, So

1145
01:32:31.199 --> 01:32:41.079
you had a claim a storm claim
with them in twenty twelve. Okay,

1146
01:32:41.159 --> 01:32:46.600
then why yes, and they paid
I thought they paid everything new, whatever

1147
01:32:47.479 --> 01:32:51.680
car was inside and whatever. And
then tell me what the claim was for.

1148
01:32:54.279 --> 01:32:58.039
Oh, it was a big hailstorm
in June of twenty and twelve it

1149
01:32:58.079 --> 01:33:00.960
was, And what was the and
what was the claim? Four for a

1150
01:33:00.000 --> 01:33:06.760
new roof, new siding, new
what new roof, powerwashing residing and I

1151
01:33:06.800 --> 01:33:12.279
live in I live in Parker,
so gotcha? Okay, So what's going

1152
01:33:12.319 --> 01:33:18.640
on now? So I left Liberty
Mitchell that that claim was to South n'chok.

1153
01:33:18.760 --> 01:33:21.680
Then I left Liberty Mitchell. When
I came back to Liberty Mitchell,

1154
01:33:23.159 --> 01:33:29.560
I found a claim in twenty twenty
three for the hailstorms that we've had in

1155
01:33:29.760 --> 01:33:33.319
twenty twenty three. The point that
was with Liberty. Then went back to

1156
01:33:33.399 --> 01:33:39.560
Liberty. You claimed you had a
second claim. Yes, yes, okay,

1157
01:33:39.640 --> 01:33:45.319
I was talking to I was talking
to the adjuster on the phone about

1158
01:33:45.840 --> 01:33:48.880
I had a classical roofs then and
I didn't know it, and I was

1159
01:33:48.920 --> 01:33:54.560
trying to prove it anyway. I
was trying to get the name of my

1160
01:33:54.720 --> 01:33:58.880
roofer. Then. Anyway, he
said, hey, he said, do

1161
01:33:58.960 --> 01:34:03.640
you know you have an outstanding check
from us for seventy nine hundred dollars that

1162
01:34:03.800 --> 01:34:09.640
didn't cast made to you and Chase
Mortgage. I said, no, that

1163
01:34:09.760 --> 01:34:16.600
stops sighting. And he said,
I'll just stop payment on This is twenty

1164
01:34:16.680 --> 01:34:23.479
twelve, and this happened in twenty
twenty three, this conversation. So he

1165
01:34:23.520 --> 01:34:26.560
said, I'll just stop payment on
it and issue you a new one.

1166
01:34:26.680 --> 01:34:30.159
I said, okay, I said, but I have paid off my house

1167
01:34:30.199 --> 01:34:31.840
since then. He said, you
have to prove it. I said,

1168
01:34:31.880 --> 01:34:39.239
okay, I proved it. Then
I get a communication from them saying,

1169
01:34:39.880 --> 01:34:43.800
our records only go back seven years
and we don't owe you that money because

1170
01:34:43.840 --> 01:34:48.600
we can't prove it. That's right. So I tried to prove it,

1171
01:34:49.159 --> 01:34:55.399
and I went to that and so, how did you try hold on if

1172
01:34:55.399 --> 01:34:59.880
you didn't even know it existed?
How did you try to prove they owed

1173
01:35:00.079 --> 01:35:06.439
you seventy nine hundred So they sent
me the line item documentation of my claim

1174
01:35:06.520 --> 01:35:14.119
in twenty and twelve. Okay,
two other checks cleared, and this check

1175
01:35:14.239 --> 01:35:17.279
was right in the middle of those
checks. And this said outstanding. Now,

1176
01:35:17.319 --> 01:35:20.239
why didn't you notice it back then? Were you that rich that you

1177
01:35:20.279 --> 01:35:26.319
didn't notice seventy nine hundred bucks?
No, I didn't have a line item

1178
01:35:26.840 --> 01:35:30.479
of But that's not an asking,
Dab. That's not what I'm asking.

1179
01:35:30.560 --> 01:35:33.840
Here's what I'm asking. If I
had to pay for roof damage and storm

1180
01:35:33.960 --> 01:35:39.600
damage and I put out seventy nine
hundred bucks that I did not get reimbursed

1181
01:35:39.600 --> 01:35:45.920
for, I would have noticed it. Well, I guess I'm ignorant or

1182
01:35:45.960 --> 01:35:48.359
something, because Deb, here's what
I think happened. You never paid the

1183
01:35:48.359 --> 01:35:54.479
seventy nine hundred Did you pay out
of your pocket and then get reimbursed No?

1184
01:35:54.640 --> 01:35:57.880
Nothing out of my pocket. Nothing. Okay, if you never paid

1185
01:35:57.920 --> 01:36:00.560
out of your pocket, you didn't
lose a dime. Someone did not get

1186
01:36:00.600 --> 01:36:09.159
paid for storm damage. It wasn't
you. Here's how it works, Deb.

1187
01:36:09.319 --> 01:36:14.640
Listen, when you have storm damage, the insurance company either does it

1188
01:36:14.680 --> 01:36:20.079
two ways. They either pay the
contractor directly, or they pay you and

1189
01:36:20.119 --> 01:36:27.199
you pay the contractor. That's the
only way they do it. So if

1190
01:36:27.239 --> 01:36:31.239
they did not pay you and you
did not pay anyone, you didn't lose

1191
01:36:31.279 --> 01:36:35.079
a dime. The contractor did.
Somebody lost money, but you didn't.

1192
01:36:35.399 --> 01:36:41.720
Otherwise you would have noticed had you
paid seventy nine hundred bucks up front or

1193
01:36:42.000 --> 01:36:46.000
or in addition to and you would
you would have been waiting for a reimbursement

1194
01:36:46.079 --> 01:36:57.800
check the check was made. Table
to me, Deb, tell me something,

1195
01:36:57.840 --> 01:37:00.039
Okay, I don't know why you
don't understand that. If if the

1196
01:37:00.159 --> 01:37:04.119
check was made and I don't mean
disrespect, but listen back, let's go

1197
01:37:04.199 --> 01:37:09.199
back. Then Let's say the check
was sent to you, what would you

1198
01:37:09.239 --> 01:37:11.520
have done with that check? Back? Then? What would you have done

1199
01:37:11.560 --> 01:37:15.159
with it? I would have taken
it to Chase Mortgage, which I did,

1200
01:37:15.680 --> 01:37:18.239
and then what and then okay,
and then what? And then what?

1201
01:37:18.439 --> 01:37:23.800
Keep going? And then they endorsed
it. I have copies of it,

1202
01:37:23.840 --> 01:37:26.960
and then what keep going? They
would have endorsed it. Then what

1203
01:37:27.039 --> 01:37:30.720
would have happened with the money the
seventy nine hundred? It would have gone

1204
01:37:30.760 --> 01:37:34.760
to the contractor or that's right,
But it didn't go to the tractor,

1205
01:37:34.800 --> 01:37:41.640
did it. No, it went
nowhere. It went nowhere, and you

1206
01:37:41.680 --> 01:37:47.199
didn't lose it. You didn't lose
a dime. So in other words,

1207
01:37:47.239 --> 01:37:54.159
I'm looking at this inorrectly. Well, Deb, what I'm saying is you're

1208
01:37:54.199 --> 01:38:00.359
not looking at it incorrectly. In
a perfect world, they should correct it

1209
01:38:00.520 --> 01:38:04.119
and give you the money, and
you should track down the contractor who didn't

1210
01:38:04.159 --> 01:38:10.479
get paid and give him the money. So why are you going through all

1211
01:38:10.479 --> 01:38:14.399
this trouble. You didn't lose a
dime. Why do you care if they

1212
01:38:14.439 --> 01:38:17.079
ever give it to you or not. The contractor apparently doesn't care either.

1213
01:38:17.359 --> 01:38:23.479
No one came after you for the
money. That's true. That's true.

1214
01:38:23.600 --> 01:38:29.319
Wow, that's interesting. I mean, somebody got screwed out of seventy nine

1215
01:38:28.800 --> 01:38:32.119
dollars. And here's what I suspect. So you don't feel bad. I

1216
01:38:32.239 --> 01:38:41.520
suspect the contractor so overcharged the insurance
company and you that they are fat and

1217
01:38:41.640 --> 01:38:45.199
happy and did not even notice the
money missing. So leave it alone.

1218
01:38:45.319 --> 01:38:48.960
What do you care? I mean, I don't even understand why you want

1219
01:38:49.000 --> 01:38:54.600
to collect this money. It's not
your money. So I said it was

1220
01:38:54.640 --> 01:38:58.079
my money, but why Okay,
it would have been your money had you

1221
01:38:58.119 --> 01:39:01.920
paid that money out. If you
can show where you paid seventy nine hundred

1222
01:39:02.000 --> 01:39:08.279
and did not get reimbursed, it
would be your money. Okay, okay,

1223
01:39:08.479 --> 01:39:12.079
I mean deb deb it would be
not Now listen, I know where

1224
01:39:12.119 --> 01:39:15.199
you're going with this. It would
be nice to get that check because no

1225
01:39:15.239 --> 01:39:19.239
one's keeping track. There's no contractor
coming after you. For it. It

1226
01:39:19.239 --> 01:39:24.720
would be found money if you could
get it, but you're not going to

1227
01:39:24.800 --> 01:39:30.039
get it, so it's not lost
money either. I'm Tom Martine Moore coming

1228
01:39:30.119 --> 01:39:40.079
up. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

1229
01:39:40.119 --> 01:39:46.319
You don't pay a cent until you're
content. Time for an insurance checkup free,

1230
01:39:46.359 --> 01:39:50.840
no obligation. In comparison, call
Compass Insurance paying too much your coverage

1231
01:39:50.880 --> 01:39:55.520
at dozens of insurance companies find out
now three oh three seven to seven to

1232
01:39:55.560 --> 01:39:59.359
one help. You'll think you're his
only customer when you choose Frank durand the

1233
01:39:59.359 --> 01:40:02.920
real estate Man dot com to list
your home with Remax Alliance three all three

1234
01:40:03.000 --> 01:40:13.800
nine two zero sixteen twenty two.
Hi Tom Martino here, what's going on

1235
01:40:13.840 --> 01:40:20.479
in your life? Jordan Kanno's with
us My Money, Myway dot com.

1236
01:40:20.600 --> 01:40:28.680
Jordan, we talked about bonuses.
What are the current bonuses being offered by

1237
01:40:28.720 --> 01:40:32.960
the annuity companies for those who want
to pop a lumpsum in there from their

1238
01:40:32.960 --> 01:40:36.439
retirement account or from their for you
know, their four and one case or

1239
01:40:36.479 --> 01:40:41.439
their pensions or something. What kind
of bonus do they get? Yeah,

1240
01:40:41.479 --> 01:40:45.680
they're still so the companies we backed
step to fifty companies. Uh. The

1241
01:40:45.680 --> 01:40:49.319
thing is the fifteen percent is still
being held right now on the products,

1242
01:40:49.359 --> 01:40:53.800
and it is strong because this is
a great way to help make up any

1243
01:40:53.840 --> 01:40:58.039
losses or you know, just like
the caller we had earlier our clients,

1244
01:40:58.039 --> 01:41:00.760
do you you know, for any
money that people have lost already from other

1245
01:41:00.880 --> 01:41:03.239
products or the market, this is
the way to get it back. But

1246
01:41:03.279 --> 01:41:08.640
how how does it really work?
Now you put one hundred grand in and

1247
01:41:08.840 --> 01:41:12.680
let's say you put one hundred I'm
just using these numbers to make the percentages

1248
01:41:12.720 --> 01:41:16.880
easy, and your account value immediately
is at one point fifteen, that is

1249
01:41:16.920 --> 01:41:23.199
correct, and that's growing at one
fifteen as well. So truly your return,

1250
01:41:23.600 --> 01:41:28.760
your return is figured on that bonus
you got it boom, and that's

1251
01:41:28.800 --> 01:41:31.640
a very big difference. There are
products out there that don't have that similar

1252
01:41:32.079 --> 01:41:38.640
effect for our zone. And so
if you ever had to get out of

1253
01:41:38.640 --> 01:41:43.239
that, though, when does that
money come truly yours? Yeah? So

1254
01:41:43.560 --> 01:41:46.239
every year ten percent of it becomes
futal of yours, So after ten years

1255
01:41:46.479 --> 01:41:50.119
the whole amount is actually your account. But that doesn't mean you could turn

1256
01:41:50.159 --> 01:41:53.600
the money on before then. You
know, if you in turn money on

1257
01:41:53.720 --> 01:41:57.079
if you had long term care need
or passed away that you can do it

1258
01:41:57.560 --> 01:42:00.920
more coming up. I'm Tom Martinez. Get your calls in three Martino.

1259
01:42:00.119 --> 01:42:04.399
Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't

1260
01:42:04.399 --> 01:42:12.239
pay a cent until you're content.
Time for an insurance check up free,

1261
01:42:12.319 --> 01:42:16.479
no obligation comparison call Compass Insurance.
Pay too much your coverage at dozens of

1262
01:42:16.479 --> 01:42:20.479
insurance companies find out now three oh
three seven seven to one help. You'll

1263
01:42:20.479 --> 01:42:25.319
think you're his only customer when you
choose Frank durand the real estate Man dot

1264
01:42:25.359 --> 01:42:30.079
com to list your home with Remax
Alliance three oh three nine two zero sixteen

1265
01:42:30.119 --> 01:42:45.680
twenty two. Ris needed that so
you don't have come running sious as fast

1266
01:42:45.720 --> 01:42:53.359
as you can. Shooter's gonna help
come Man six is the Troubleshooter Show.

1267
01:42:54.000 --> 01:43:00.000
No Tom Martino. Hey, I'm
Tom Martino. Welcome to the show.

1268
01:43:00.000 --> 01:43:03.319
You know three three seven We talk
three O three seven one three eight two

1269
01:43:03.439 --> 01:43:10.319
five five here to help you solve
problems, answer questions, make complaints,

1270
01:43:11.159 --> 01:43:14.039
and make your life just a little
easier. That's what we do each and

1271
01:43:14.079 --> 01:43:19.920
every day, and basically what I'd
like to know from you is what is

1272
01:43:20.279 --> 01:43:25.840
chafing your rear? Is there anything
that just bothers you that can't be solved?

1273
01:43:25.920 --> 01:43:30.600
Let's try to solve it anyway.
I know that right now what chafes

1274
01:43:30.680 --> 01:43:38.840
me is that Colorado and many states
believe that passing laws can change behavior.

1275
01:43:40.520 --> 01:43:44.239
Did you know? And I swear
to you this is not I'm not This

1276
01:43:44.399 --> 01:43:47.479
is not made up? Did you
know? Dragon? I want to ask

1277
01:43:47.479 --> 01:43:50.159
you this. Did Mike Brown ever
talk about this? Because you guys are

1278
01:43:50.720 --> 01:43:57.600
hip to these things. Did Michael
Brown ever talk about the program in San

1279
01:43:57.680 --> 01:44:05.600
Francisco that tries to cure alcoholism and
street homeless alcoholics by giving them alcohol?

1280
01:44:09.000 --> 01:44:13.560
Do you think I'm kidding? I
swear to you I'm not. By the

1281
01:44:13.560 --> 01:44:15.720
way, if you have a problem
question playing, give us a call at

1282
01:44:15.720 --> 01:44:19.439
three zero three seven to one three
talks seven one three A two five five.

1283
01:44:19.479 --> 01:44:27.600
It's a program that offers free booze
to homeless alcoholics so they won't cold

1284
01:44:27.680 --> 01:44:33.239
turkey, they won't steal, and
they won't drink dangerous forms of alcohol in

1285
01:44:33.319 --> 01:44:42.399
aftershave and stuff like that. It's
the God's honest truth. Now this happened,

1286
01:44:43.039 --> 01:44:46.239
and it's called the Now. Of
course it's not called free free booze

1287
01:44:46.239 --> 01:44:53.079
for alcoholics. That that wouldn't go
over very well FBA free booze for alcoholics.

1288
01:44:53.119 --> 01:45:02.399
This is called the Managed Alcohol Program, a map to recovery manage alcohol

1289
01:45:02.479 --> 01:45:10.600
program. It provides alcohol to struggling
alcohol to people struggling with chronic alcoholism who

1290
01:45:10.640 --> 01:45:16.640
are homeless, and what they hope
to do is get people to then somehow

1291
01:45:16.760 --> 01:45:23.520
manage their alcohol consumption and not be
drunk all the time and not have to

1292
01:45:23.600 --> 01:45:30.760
take to the streets for begging and
all of that or stealing. Now,

1293
01:45:31.239 --> 01:45:36.439
right now they have a lot of
clients housed that give free alcohol every day.

1294
01:45:36.800 --> 01:45:44.199
They have not made any progress whatsoever. What do you guys think,

1295
01:45:45.720 --> 01:45:49.640
I mean, sounds good to me. If you're a drug ee, give

1296
01:45:49.680 --> 01:45:55.760
them drugs. If you're an alcoholic, give them alcohol. The city's helped

1297
01:45:56.439 --> 01:46:02.319
officials say there's a lot of misinformation
about this, and it really is a

1298
01:46:02.439 --> 01:46:09.399
pretty good programs. But others say
one said, even as a Democrat,

1299
01:46:10.079 --> 01:46:16.359
I think that directing funds to programs
like this are foolish and we should direct

1300
01:46:16.399 --> 01:46:23.560
it to other objectives for public benefit. Anyway, I just thought you'd like

1301
01:46:23.640 --> 01:46:29.159
to know that, yes, there
is a program that offers alcohol to alcoholics,

1302
01:46:30.399 --> 01:46:33.600
and as we talked about earlier,
in the kind of alcohol, Tom,

1303
01:46:34.000 --> 01:46:39.479
I don't know, actually I don't
know about it. That's a deputy

1304
01:46:39.479 --> 01:46:43.279
bowl over here, like so vodka
and I like whiskey, and you like

1305
01:46:43.880 --> 01:46:45.880
jin Do we get to pick what
kind of a you know what? That's

1306
01:46:45.880 --> 01:46:50.159
a good point. Look it up
now, Colorado. You know, I

1307
01:46:50.279 --> 01:46:58.520
felt bad about this until I found
out that New Mexico was the most dangerous

1308
01:46:58.520 --> 01:47:01.079
state. I don't know if I
even believe Leave this WES News and World

1309
01:47:01.199 --> 01:47:06.920
Reports survey. I don't know if
I even believe it. The ten most

1310
01:47:08.000 --> 01:47:12.560
dangerous states in America. I don't
get it. How do they figure that

1311
01:47:14.159 --> 01:47:23.680
New Mexico is the most dangerous,
followed by Louisiana and then Colorado number three.

1312
01:47:24.199 --> 01:47:31.920
Now they have a matrix they go
through and they judge them. So

1313
01:47:32.039 --> 01:47:34.600
this is US News and World Reports. If you want to look it up.

1314
01:47:34.920 --> 01:47:40.239
We are the third most dangerous.
But we are decriminalizing things. So

1315
01:47:40.279 --> 01:47:44.399
we're trying. Here's the thing.
If we make something not a crime,

1316
01:47:44.439 --> 01:47:48.920
then we don't have crime. Right. If felony car theft takes more than

1317
01:47:48.960 --> 01:47:53.920
one car. Then we don't get
many felonies, or maybe we do.

1318
01:47:54.840 --> 01:47:57.359
So what would you do, Tomas? Give people that don't have cars,

1319
01:47:57.680 --> 01:48:01.600
give them a car so they don't
go steal one, just like the alcoholics.

1320
01:48:02.000 --> 01:48:06.439
Oh that would be something. Now
listen, here's another thing, the

1321
01:48:09.279 --> 01:48:15.239
total debt of people. By the
way, this is what I found shocking.

1322
01:48:15.760 --> 01:48:20.479
What I find shocking are trends more
than I do actual names of cities

1323
01:48:20.520 --> 01:48:28.119
and counties and all that. But
if you counted in the top twenty five

1324
01:48:29.319 --> 01:48:40.000
counties with the highest debt the highest
debt, think about this, where do

1325
01:48:40.079 --> 01:48:43.800
you think most of those counties are. I'm going to count how many in

1326
01:48:43.800 --> 01:48:46.000
the top twenty five are from this
state? One, two, three,

1327
01:48:46.520 --> 01:48:51.840
four, five, six, seven, eight, Oh, listen, nine,

1328
01:48:53.079 --> 01:49:00.760
ten, eleven, twelve, thirteen, fourteen, fifteen, sixteen,

1329
01:49:00.760 --> 01:49:09.319
Sixteen of the top twenty five are
from California, sixteen of the biggest household

1330
01:49:09.359 --> 01:49:18.920
debt. Sixteen counties out of the
top twenty five are in California. And

1331
01:49:18.600 --> 01:49:23.560
that place is living on smoke and
mirrors. I swear to God, I

1332
01:49:23.560 --> 01:49:27.000
don't even know how Newsome gets up
in the morning and looks in the mirror.

1333
01:49:27.039 --> 01:49:30.319
I have no idea I mean,
has anyone ever heard of a more

1334
01:49:30.399 --> 01:49:34.479
hellhole than that place? Heo?
San Francisco used to be a beautiful place.

1335
01:49:34.840 --> 01:49:38.560
You can't even go out to eat
down there anymore. And in La

1336
01:49:39.199 --> 01:49:43.279
it's amazing. Yes, And of
course the police has his way, we're

1337
01:49:43.319 --> 01:49:45.800
going to be just like it.
And again, I don't mean to be

1338
01:49:45.840 --> 01:49:47.760
a bearer of bad news, but
look around, folks, Just look around.

1339
01:49:48.319 --> 01:49:54.399
God Almighty life is its own teacher. So when policies failed, what

1340
01:49:54.439 --> 01:49:58.319
does it tell you that policy makers
are failing you? Wa? Wait?

1341
01:49:58.359 --> 01:50:00.079
Wait, wait? Did I just
say that I'm not on a coin.

1342
01:50:00.640 --> 01:50:08.720
When policies fail, policy makers are
failing you. But we have this phenomenon

1343
01:50:08.800 --> 01:50:15.640
here where policies fail and we reward
the policy makers. Bye bye, just

1344
01:50:15.079 --> 01:50:20.000
Ron, what's happening, sir,
what's going on? Let's change the subject.

1345
01:50:20.079 --> 01:50:23.640
Let's let's help people. I don't
want to just bitch and moan.

1346
01:50:23.920 --> 01:50:27.760
My wife sometimes calls me a curmudgeon. I don't like that. Okay,

1347
01:50:27.840 --> 01:50:32.840
I'm not calling for myself. I'm
calling for another person. I'm very kind

1348
01:50:33.279 --> 01:50:36.960
to call for someone else. What
can we do for you? I am

1349
01:50:38.000 --> 01:50:44.439
a va appraiser and I got an
order from for an appraisal for a property.

1350
01:50:45.000 --> 01:50:47.840
To do an appraisal, longing to
see the property and the property is

1351
01:50:47.880 --> 01:50:54.600
basically easy. And they CE five
for very bad shape. And what did

1352
01:50:54.640 --> 01:50:59.880
you code that? You said C
five the C five that is appraise,

1353
01:51:00.079 --> 01:51:02.039
So I don't know the appraiser talk. Is that a code for bad?

1354
01:51:03.239 --> 01:51:08.960
Well that's bad, Yes, it's
beyond Tell me how the coding works.

1355
01:51:09.000 --> 01:51:12.119
I'm just I'll let you tell your
story, Ron, But how what is

1356
01:51:12.159 --> 01:51:16.039
an excellent pristine property? How would
that be? Coding? Like C one

1357
01:51:16.560 --> 01:51:21.119
is a new construction, nobody has
ever lived in it. C two be

1358
01:51:21.319 --> 01:51:25.279
a property that is one or two
years old. It really does not have

1359
01:51:25.359 --> 01:51:30.640
any kind of deferred maintenance. And
then C three and C four is average,

1360
01:51:30.680 --> 01:51:33.239
and then C five is low average, and then six is one that

1361
01:51:33.439 --> 01:51:42.000
the condemned and kind of now what
does C stand for? Condition? Okay?

1362
01:51:42.039 --> 01:51:44.760
Gotcha? So condition one, two, three, four five? So

1363
01:51:44.800 --> 01:51:48.479
what's going on now? So you
won here you found a really like decrepit

1364
01:51:48.520 --> 01:51:56.119
home and or dilapidated. And what's
going on? So this is a veteran

1365
01:51:56.199 --> 01:52:00.800
who is disabled. He's had some
other medical issues currently right now he's in

1366
01:52:00.800 --> 01:52:06.680
a wheelchair. Is only one lake, and he's taken care of another adult,

1367
01:52:06.960 --> 01:52:13.720
disabled non verbal child. Now why
were you appraising this house? He

1368
01:52:13.840 --> 01:52:17.439
was trying to refinance. Oh,
get some of these get some of these

1369
01:52:17.479 --> 01:52:23.920
projects done. But he's just overwhelmed
and I don't think he is capable of

1370
01:52:24.680 --> 01:52:29.760
handling that. Do you think he
should be living in assisted living or something?

1371
01:52:30.680 --> 01:52:33.680
Well that's now I don't think.
So he's taken care of his son

1372
01:52:33.840 --> 01:52:40.439
as best as he could. Problem
what's wrong with his son? He is

1373
01:52:41.640 --> 01:52:49.039
disabled non verbal adults also in a
wheelchair. So they're both in wheelchairs,

1374
01:52:49.079 --> 01:52:53.840
correct, So you can just imagine
how that works. So the other thing

1375
01:52:54.000 --> 01:52:58.840
is they used to have a drive
in shower in the basement that they could

1376
01:52:58.880 --> 01:53:03.399
take the wheelchair. And how did
they get to the basement. Well,

1377
01:53:03.439 --> 01:53:12.359
they had one of those share lists
that goes downstairs, but that was not

1378
01:53:12.479 --> 01:53:15.840
working anymore, so they took it
out. So right now they can't even

1379
01:53:15.880 --> 01:53:19.399
get to the basement into the shower. So he's trying to help his son.

1380
01:53:20.000 --> 01:53:29.840
How old is his son and I
would imagine in his thirties, maybe

1381
01:53:29.920 --> 01:53:33.039
a late twenties. Idol, Okay, God, this sounds like a sad

1382
01:53:33.159 --> 01:53:38.279
situation. Is he a veteran of
what would it be a veteran of what

1383
01:53:38.439 --> 01:53:45.239
war? Again, I don't know
those particulars. All I up from him

1384
01:53:45.399 --> 01:53:49.039
is he served four tours of duty, but I think two tours were in

1385
01:53:49.119 --> 01:53:55.479
Germany and I think two tours in
How old is this veteran, would you

1386
01:53:55.520 --> 01:54:02.039
say? I would again I'm not
a good but probably in his late forties,

1387
01:54:02.159 --> 01:54:09.520
maybe shifties. Okay, so in
the bathroom, and you know he's

1388
01:54:09.560 --> 01:54:13.640
got a lot of projects going on
which he can't really do. I mean

1389
01:54:13.680 --> 01:54:16.840
he took the doors off, the
baseboard, tear off the kitchen is a

1390
01:54:16.920 --> 01:54:20.000
mess. They've got to exposure.
And now let me ask you a few

1391
01:54:20.079 --> 01:54:26.319
questions. Because there are places,
there are services that will help remodel or

1392
01:54:26.479 --> 01:54:31.279
help fix up a house for people. Well that is what I'm trying to

1393
01:54:31.319 --> 01:54:34.079
get through. And Okay, well
we're gonna we're gonna look into it.

1394
01:54:34.119 --> 01:54:38.920
But I also I would like to
know ron. I want to know more.

1395
01:54:39.000 --> 01:54:42.680
I want to know a little bit
behind the scenes. Is he a

1396
01:54:42.800 --> 01:54:48.840
hoarder? No? No? Not
okay, Well, I mean the condition

1397
01:54:48.960 --> 01:54:51.600
around the houses, no, I
get it, No, I get it,

1398
01:54:51.640 --> 01:54:55.720
but it's not where you have to
make a path through the house.

1399
01:54:56.680 --> 01:54:59.399
No, no, no, no, okay, next question, Ron,

1400
01:54:59.640 --> 01:55:05.920
next question. Is he mentally competent? Yes, yes, he's very competent

1401
01:55:06.079 --> 01:55:10.640
and good. Like I said when
I was there, he broke down because

1402
01:55:10.680 --> 01:55:14.600
of us, too much stress,
too much to handle. But now then

1403
01:55:14.600 --> 01:55:19.199
he composed himself and he didn't want
his disabled son to see him crying.

1404
01:55:19.319 --> 01:55:23.800
So now his son what what?
What? How would you describe his son?

1405
01:55:23.960 --> 01:55:30.199
Is it? Is it cerebral palsy
or multiple sclerosis? What's wrong with

1406
01:55:30.239 --> 01:55:33.239
his son? Do we know?
No, it's just non verbal, but

1407
01:55:34.119 --> 01:55:41.039
he's in that shape, I mean, just grunting and sitting in a wheelchair.

1408
01:55:42.439 --> 01:55:45.800
Oh my god. We got to
get some people. No, we

1409
01:55:45.880 --> 01:55:48.800
got to get some people to help. Now, That's what I'm trying to

1410
01:55:48.840 --> 01:55:54.199
do, and I've been kind of
running into roadblocks. Nobody's been able to

1411
01:55:54.239 --> 01:55:57.560
help. They always point somewhere else, or they say, well this year,

1412
01:55:57.920 --> 01:56:00.520
they're all full way to old twenty
five. Well by twenty okay,

1413
01:56:00.520 --> 01:56:06.920
hold on, Deputy Bow, why
don't we just start investigating. Do you

1414
01:56:08.000 --> 01:56:13.359
know that sus has a VA I
don't know if they're with the administration,

1415
01:56:13.479 --> 01:56:18.319
but a veteran angel, someone who
has a heart for vets and knows about

1416
01:56:18.399 --> 01:56:26.960
programs. Let's just start gathering information
on programs available. Specifically, what we

1417
01:56:27.000 --> 01:56:32.319
need is maybe some home healthcare,
and then what we need is some fixing

1418
01:56:32.399 --> 01:56:36.800
up the house. Fixing it up. I mean, you're an appraiser.

1419
01:56:36.960 --> 01:56:40.920
You hold on, hold on,
I need to ask you some more questions,

1420
01:56:40.920 --> 01:56:43.680
okay, and I want to ask
about it. Since you're an appraiser,

1421
01:56:43.720 --> 01:56:46.319
you might know a little more than
the average bear. I'm Tom Martinez

1422
01:56:46.399 --> 01:56:50.399
three oh three seven one three talk
seven one three eight two five five Frank

1423
01:56:50.479 --> 01:56:55.000
around the real estate Man dot com
will do a free market analysis of your

1424
01:56:55.039 --> 01:56:58.279
home. Whether you're looking to buy
or sell, or or nothing. You

1425
01:56:58.439 --> 01:57:01.199
just want to know and he'll do
it complimentary with no pressure. Of course,

1426
01:57:01.239 --> 01:57:04.439
if you ever list, maybe you'll
use him. But he doesn't do

1427
01:57:04.520 --> 01:57:06.920
it for that. He does it
because he wants to get to know the

1428
01:57:06.960 --> 01:57:11.079
market and help people out. He
can tell you what that you'll sell that

1429
01:57:11.159 --> 01:57:16.000
house for, and it's almost assured
what you'll get because of his vast experience.

1430
01:57:16.359 --> 01:57:20.079
Frank durand the real Estate Man dot
com three oh three nine two zero

1431
01:57:20.239 --> 01:57:31.359
sixteen twenty two go with a sure
thing. Denver's best roofer Excel roofing dot

1432
01:57:31.359 --> 01:57:39.079
com. You don't pay a cent
until you're content than time for an insurance

1433
01:57:39.159 --> 01:57:44.000
checkup free no obligation. In comparison, call Compass Insurance paying too much your

1434
01:57:44.039 --> 01:57:47.079
coverage at dozens of insurance companies find
out now three oh three seven to seven

1435
01:57:47.079 --> 01:57:50.880
to one help. You'll think you're
his only customer when you choose Frank durand

1436
01:57:50.880 --> 01:57:56.319
the real estate Man dot com to
list your home with Remax Alliance three oh

1437
01:57:56.359 --> 01:58:01.720
three nine two zero sixteen twenty two. Hey, pass the word. Pass

1438
01:58:01.800 --> 01:58:06.399
the word. If you have a
problem, question or complaint, I want

1439
01:58:06.439 --> 01:58:11.399
you to put this out even on
social media. If you want, you

1440
01:58:11.399 --> 01:58:15.000
can call three oh three Martino.
We have deputies, we have attorneys,

1441
01:58:15.039 --> 01:58:18.239
we have accountants, we have oh
man, we have so many professionals,

1442
01:58:18.279 --> 01:58:25.720
all helping in the troubleshooter effort to
solve your problems. We try right so

1443
01:58:26.039 --> 01:58:30.760
call three oh three Martino at any
time, anytime when we're on the air.

1444
01:58:30.760 --> 01:58:33.119
It'll come through here. When we're
not here, it'll come through the

1445
01:58:33.159 --> 01:58:36.920
office. And then when we're not
at the office, you'll believe voicemail and

1446
01:58:38.159 --> 01:58:42.159
we will get back to you.
That's our pledge to you three oh three

1447
01:58:42.279 --> 01:58:48.359
Martino three oh three, six two
seven eight four sixty six. So Ron's

1448
01:58:48.359 --> 01:58:53.239
back with us, and Ron's a
kind man, a via appraiser. He

1449
01:58:53.319 --> 01:58:59.319
ran into this guy trying to refy
his house and he says it's in very

1450
01:58:59.359 --> 01:59:02.840
bad shape and that the guys disabled
in a wheelchair caring for his son in

1451
01:59:02.840 --> 01:59:11.000
a wheelchair. And Ron, I
want to ask a few questions. What

1452
01:59:13.239 --> 01:59:17.279
would it take to bring this house
up to a normal refine condition? I

1453
01:59:17.319 --> 01:59:20.000
mean, first of all, how
is he paying for his mortgage? Do

1454
01:59:20.079 --> 01:59:23.239
you know? I mean, we
don't know his name, so you're not

1455
01:59:23.279 --> 01:59:28.800
giving away anything that to the public
that not be No, I don't know.

1456
01:59:29.000 --> 01:59:35.159
I don't know what kind of the
assistance he gets or resently they get

1457
01:59:35.159 --> 01:59:42.000
put in a ramp in the front
yard, which is to me really atrocious

1458
01:59:42.039 --> 01:59:45.520
a days of the whole front yard. But so he does get some assistance

1459
01:59:45.640 --> 01:59:50.680
or VA is aware of it.
Tell me what is the what is the

1460
01:59:51.039 --> 01:59:55.840
nature of the house that like,
how bad is it? Like? What

1461
01:59:55.880 --> 02:00:00.520
would it take to bring this house
up to normal standards? Do you think

1462
02:00:02.359 --> 02:00:10.199
this would be just an estimate,
probably twenty thousand dollars, you know,

1463
02:00:10.640 --> 02:00:15.479
it's like in you know, the
whole bathroom probably needs to be redone so

1464
02:00:15.560 --> 02:00:20.680
it's wheelchair accessible, and he has
removed the interior doors. He's kind of

1465
02:00:20.760 --> 02:00:28.079
redoing the kitchen. The bathroom is
in bat shape, and the electrical problems

1466
02:00:28.520 --> 02:00:33.279
the outside. The electrical box is
open, and I'm surprised that it's even

1467
02:00:33.399 --> 02:00:39.279
still functioning because rain gets in and
some of the breakers have been removed.

1468
02:00:40.279 --> 02:00:45.359
He's working to try to get a
fence put in. How long has he

1469
02:00:45.439 --> 02:00:50.079
been there? God, I don't
know either. I will have to look

1470
02:00:50.119 --> 02:00:54.840
at public records. I really haven't
completed. Hey, Ron, how about

1471
02:00:54.840 --> 02:00:58.760
a GoFundMe page. He's got a
great story, you know, to disabled

1472
02:00:58.840 --> 02:01:03.800
vets one disabled the sun the sun
is not right paid? Would be?

1473
02:01:03.840 --> 02:01:09.119
I think a great idea. Right. Yeah. They don't know all the

1474
02:01:09.159 --> 02:01:12.600
intricacies of house. No, Ron, I understand you called us for help.

1475
02:01:12.680 --> 02:01:15.520
Doc. He called us to try
to get something going. I I

1476
02:01:16.000 --> 02:01:18.359
really want to start. Here's what
I want to do. I want to

1477
02:01:18.359 --> 02:01:21.840
start one step. The other things. It is not a matter of the

1478
02:01:21.880 --> 02:01:26.079
money, because if he gets the
money, I don't know if he can

1479
02:01:26.159 --> 02:01:30.159
hire the contractor. No. I
understand that we I'm trying to find a

1480
02:01:30.199 --> 02:01:33.359
service that will come in and do
and help do it, not just throw

1481
02:01:33.439 --> 02:01:38.319
money at it, because that's not
going to work. And you don't want

1482
02:01:38.359 --> 02:01:42.279
people cheating him or anything like that. So he just needs a bunch of

1483
02:01:42.319 --> 02:01:45.319
help. Now, the house itself, if it was fixed, is it

1484
02:01:45.359 --> 02:01:49.319
is it a nice location, a
nice house, or as they say,

1485
02:01:49.399 --> 02:01:55.079
does it have good bones? Oh
yeah, no, it's a good housing

1486
02:01:55.159 --> 02:02:00.359
in a nice neighborhood. Good it's
you know, I can tell it's Jared

1487
02:02:00.399 --> 02:02:04.119
and and it is in an could
de sac, so uh, you know,

1488
02:02:04.239 --> 02:02:08.920
if it is fixed up, you
know to be a nice house.

1489
02:02:11.279 --> 02:02:15.279
Okay, what about Habitat for Humanity
com or they go in there and do

1490
02:02:15.359 --> 02:02:17.560
a repair. Maybe, Yeah,
that's what I want to start looking into.

1491
02:02:17.600 --> 02:02:21.159
Bo if you could make some calls. And there's also some other programs

1492
02:02:21.199 --> 02:02:30.880
like Brothers Redevelopment, and then there's
Contact that contacted Habitat for Humanity, but

1493
02:02:30.960 --> 02:02:38.000
they only do stuff in Dinver County
and he did houses in a Rapo County,

1494
02:02:38.079 --> 02:02:45.119
so they they were unable to give
any kind of assistance. Habitat for

1495
02:02:45.239 --> 02:02:53.399
Humanity is tied down to account.
That's what this particular person when I emailed

1496
02:02:53.439 --> 02:02:59.239
him. That's how they respond.
Well, maybe that particular office, maybe

1497
02:02:59.279 --> 02:03:03.680
they have like territories or something.
Bo let's start looking into that. And

1498
02:03:04.560 --> 02:03:11.239
Cabitet Freemanity, the VA has a
big office. They're off of Colfax and

1499
02:03:11.560 --> 02:03:15.760
two twenty five could go there and
get some assistance. And there's a program

1500
02:03:15.800 --> 02:03:18.760
called LEAP. They might be able
to provide some repairs on the house.

1501
02:03:18.800 --> 02:03:26.720
It's Government Assistant assistant Housing repairs.
Yeah, any kind of repairs or any

1502
02:03:26.800 --> 02:03:29.960
kind of help we can get them, maybe even home assistance home care.

1503
02:03:30.600 --> 02:03:33.159
I mean, there's got to be
something available for veterans. I know of

1504
02:03:33.239 --> 02:03:39.159
another veteran in another state who got
home health care and he didn't have to

1505
02:03:39.199 --> 02:03:44.000
pay for it, and they also
did some other assistance programs. Now he

1506
02:03:44.039 --> 02:03:48.199
didn't own the place, so they
didn't do any fixing up. But I'm

1507
02:03:48.319 --> 02:03:54.359
wondering if the house is paid for, or if the house how much he

1508
02:03:54.439 --> 02:03:59.359
owes on it. But again,
these are things we can find out,

1509
02:03:59.560 --> 02:04:01.880
right, Okay, I'll get the
work. Get Ron's information though, so

1510
02:04:01.920 --> 02:04:05.399
we can stay in touch with him, since he he has a heart for

1511
02:04:05.439 --> 02:04:09.520
these guys. Ron, We're not
expecting you to do anything, but we'd

1512
02:04:09.560 --> 02:04:13.520
like to be in touch with you
now. Chris, you have a question.

1513
02:04:13.600 --> 02:04:15.680
I got to take a break soon, but I want to get started

1514
02:04:15.720 --> 02:04:18.880
on it on home repairs. Then
I have Jordan my Money myway dot com.

1515
02:04:18.880 --> 02:04:23.119
I have a few texted questions for
him. What's going on, Chris?

1516
02:04:23.119 --> 02:04:27.279
What's your question? Yeah? Real
quick, I had about a fifteen

1517
02:04:27.319 --> 02:04:30.640
thousand dollars sewer job done from Plumbline, and they offered me a way to

1518
02:04:30.760 --> 02:04:34.760
pay for it over twelve months with
zero interest. I'm looking to do the

1519
02:04:34.800 --> 02:04:39.800
same thing with foundation repairs in the
basement. That company doesn't offer it.

1520
02:04:39.880 --> 02:04:44.760
What are some good options to do
that? Well? How much will your

1521
02:04:45.479 --> 02:04:50.960
foundation repairs cost? About twelve okay? How old is your home? I'm

1522
02:04:51.000 --> 02:04:57.760
just curious that you needed all this
work done? Oh, mid fifties okay.

1523
02:04:58.520 --> 02:05:04.760
How much do you owe on the
house? Oh? About eighty thousand

1524
02:05:04.800 --> 02:05:12.000
dollars. Now, when you say
when you say foundation repairs, excuse me

1525
02:05:12.079 --> 02:05:16.600
a basement? Do you mean foundation
or do you mean basement? I mean

1526
02:05:16.760 --> 02:05:20.800
cracks in the walls in the basement. Okay, you're talking about possible.

1527
02:05:23.159 --> 02:05:27.000
Okay, so you need some structural
repairs? Yeah, yeah, that's winning.

1528
02:05:27.880 --> 02:05:30.359
Okay, Hold on a second,
I'll come right back to you.

1529
02:05:30.399 --> 02:05:35.079
I'm Tom Martine. Go with a
sure thing Denver's best roofer Excel Roofing dot

1530
02:05:35.119 --> 02:05:42.800
com. You don't pay a cent
until you're content. Time for an insurance

1531
02:05:42.880 --> 02:05:46.399
checkup free, no obligation. In
comparison, call Compass Insurance paying too much

1532
02:05:46.520 --> 02:05:50.520
your coverage at dozens of insurance companies
find out now three O three seven to

1533
02:05:50.600 --> 02:05:55.000
seven to one. Help. You'll
think you're his only customer when you choose

1534
02:05:55.039 --> 02:05:59.479
Frank durand the real estate Man dot
com to list your home with Remax Alliance

1535
02:06:00.119 --> 02:06:09.039
three nine two zero sixteen twenty two. Hello Tom Martino here. Okay,

1536
02:06:09.520 --> 02:06:15.039
So Chris wants to get some basement
repairs done structural repairs, and he wants

1537
02:06:15.039 --> 02:06:17.640
to know any creative way to pay
for that. Are there any places that

1538
02:06:17.680 --> 02:06:21.880
do same as cash with payments.
There are financing places that do that.

1539
02:06:21.960 --> 02:06:30.039
They may not work directly with They
may not work directly with a contractor specifically,

1540
02:06:30.680 --> 02:06:34.720
but they do it for sure.
You say you owe eighty grand how

1541
02:06:34.800 --> 02:06:41.760
much equity in that house? Uh? Jeez, I don't even I don't

1542
02:06:41.760 --> 02:06:45.199
even know anymore a lot? Well
tell me what it's worth roughly worst case

1543
02:06:45.239 --> 02:06:50.800
scenario. What is it worth?
Probably about two hundred And I mean what

1544
02:06:50.920 --> 02:06:55.159
can I get for if I sold
it? Yeah? Well yeah, yeah?

1545
02:06:55.239 --> 02:06:58.079
What are the name? Yeah?
What's the house worth? Approximately?

1546
02:06:58.159 --> 02:07:04.880
Yeah about about two seventy five?
Yeah? And what is the okay hold

1547
02:07:04.960 --> 02:07:08.760
on? And what is your rate
you have on the mortgage? You have

1548
02:07:08.880 --> 02:07:14.119
now three point six? I think, oh, yeah, that's a good

1549
02:07:14.199 --> 02:07:18.079
rate. Okay, yeah it is. Yeah, I know. But sometimes

1550
02:07:18.159 --> 02:07:25.680
you know, doing that REFI can
can help. I mean you can get

1551
02:07:26.000 --> 02:07:29.159
you can get every the twelve grand. You know, you can get an

1552
02:07:29.199 --> 02:07:33.520
equity line for that. Okay,
Now it's not interest free, but you

1553
02:07:33.560 --> 02:07:38.520
can get an equity line. You
could easily. I wouldn't REFI for allows

1554
02:07:38.560 --> 02:07:43.359
e twelve grand, but if you
needed a lot more money for other things

1555
02:07:43.439 --> 02:07:47.159
and you had high interest debt,
that might be an idea to do the

1556
02:07:47.239 --> 02:07:55.119
other thing. How old are you
fifty five? Okay, now a little

1557
02:07:55.159 --> 02:07:58.920
young for reverse loan product, although
there are some that go down to fifty

1558
02:07:59.000 --> 02:08:01.000
five. But if you're not going
to stay there, it's not your forever

1559
02:08:01.119 --> 02:08:05.279
home, and it may not be
a good idea because you know, I

1560
02:08:05.319 --> 02:08:09.119
don't know what are your plans for
this to flip it or what. No,

1561
02:08:09.119 --> 02:08:11.600
No, I don't want to go
anywhere. But you know, I

1562
02:08:11.680 --> 02:08:15.720
mean I spent thousands of dollars with
plumb Line and they're great. They're on

1563
02:08:15.760 --> 02:08:18.880
your referral list, right, Yeah, they're wonderful people. Yeah, and

1564
02:08:18.920 --> 02:08:22.039
they were able to offer me,
I don't know how twelve months no interest.

1565
02:08:22.079 --> 02:08:24.159
I took care of it on my
end at it interest for you.

1566
02:08:24.159 --> 02:08:28.680
That's because they have good relationships with
these people. They're really good at that,

1567
02:08:28.319 --> 02:08:35.920
and they have because they're a solid
company. And what I'm thinking is

1568
02:08:35.279 --> 02:08:39.720
there are places I'm trying to think
of the name of it right now.

1569
02:08:41.239 --> 02:08:45.119
There are Pep, there are uh
god, I got to think of the

1570
02:08:45.199 --> 02:08:50.399
name. There's one company that's very
good at this with no interest and they

1571
02:08:50.479 --> 02:08:56.159
do it. You know what,
here's the deal. If you want,

1572
02:08:56.439 --> 02:09:00.520
you know, if you ask Plumbline, by the way, who there is

1573
02:09:01.640 --> 02:09:05.359
you know you can go. Many
of these lenders will go direct or work

1574
02:09:05.399 --> 02:09:09.520
with a contractor if you've you don't
In other words, they don't work with

1575
02:09:09.640 --> 02:09:13.920
just Plumbline. Do you understand that
they work with a lot of people.

1576
02:09:13.840 --> 02:09:18.880
So these people who are these people
that I'm trying to track down. They

1577
02:09:20.039 --> 02:09:24.159
are finance companies. Okay, that's
what they are. They're finance companies and

1578
02:09:24.199 --> 02:09:30.319
they work in two ways. First, if you don't pay twelve months same

1579
02:09:30.359 --> 02:09:35.279
as cash, then you're popped with
interest. So they work on that principle.

1580
02:09:35.359 --> 02:09:39.560
The other one is whatever plumb Line
charged you, they pay Plumbline a

1581
02:09:39.640 --> 02:09:48.239
discount. But there are plenty of
contractors willing to do that. In other

1582
02:09:48.279 --> 02:09:50.399
words, they're willing to do the
work. By the way, there is

1583
02:09:50.439 --> 02:09:56.199
no free lunch. So no matter
what if somebody says twelve months same as

1584
02:09:56.239 --> 02:10:01.039
cash, and you have cash,
it's not the same cash, you know,

1585
02:10:01.079 --> 02:10:03.920
I mean, it just isn't to
you. It is to you,

1586
02:10:05.000 --> 02:10:09.560
it is, but the contractor's taking
less money. So whether they take less

1587
02:10:09.600 --> 02:10:13.720
money from the finance company or less
money from you. That's another option is

1588
02:10:13.760 --> 02:10:18.800
to is to if you could come
up with the cash, you get disc

1589
02:10:18.840 --> 02:10:24.279
cash discounts or a credit card.
See when you if you're looking for no

1590
02:10:24.399 --> 02:10:26.640
interest, you may not find it, but you may find a credit card

1591
02:10:26.960 --> 02:10:31.239
or you may find something like that. And before you start thinking, well

1592
02:10:31.239 --> 02:10:33.600
that's going to be too much interest, but you're going to pay it anyway.

1593
02:10:33.880 --> 02:10:37.520
Either in the price of the product
because they have to discount it or

1594
02:10:37.560 --> 02:10:43.279
you're going to pay it someway or
another. So it's an allusion to you

1595
02:10:43.359 --> 02:10:46.439
this no no interest. I'm not
saying it's a bad deal. It's a

1596
02:10:46.439 --> 02:10:52.039
wonderful deal, but it's an illusion
a little because it's not free. Scott,

1597
02:10:52.079 --> 02:10:54.920
you have a comment on this?
What is your comment? Tom?

1598
02:10:56.399 --> 02:11:01.479
Hey, Chris, we offer the
same programs as where you have to say

1599
02:11:01.800 --> 02:11:07.439
what your zero interests. And we're
also a company that does spasement, repair

1600
02:11:07.479 --> 02:11:09.479
of the crack repairs, things like
that that you talking about. What's the

1601
02:11:09.560 --> 02:11:16.359
name of your company, Ramjack of
Colorado Business. Ramjack used to be on

1602
02:11:16.399 --> 02:11:22.000
my referral list. Yeah, it
might've been before my time. I've been

1603
02:11:22.079 --> 02:11:26.800
with a company for about seven years. Ramjack was absolutely on my referral list

1604
02:11:26.960 --> 02:11:31.159
and they were, in fact,
I had the guy in back in the

1605
02:11:31.239 --> 02:11:39.159
day on my show. They're a
great company, Chris, and you guys

1606
02:11:39.199 --> 02:11:45.920
do foundation repair and you offer financing
right everything that he was asking for a

1607
02:11:45.920 --> 02:11:48.720
week? All right, Katschina,
make that connection, will you, and

1608
02:11:48.760 --> 02:11:52.119
then try to get Ramjack on the
referral list. I'm just kidding, Scott.

1609
02:11:52.159 --> 02:11:56.359
I'm not going to pressure you,
but get that information from Scott so

1610
02:11:56.439 --> 02:12:01.000
he can give it to Chris.
Thank you very much much man for calling

1611
02:12:01.039 --> 02:12:03.840
in. I appreciate it. We
got more right after this. I want

1612
02:12:03.880 --> 02:12:07.359
to just tell you that that's what
the show's about, making connections. Like

1613
02:12:07.399 --> 02:12:11.119
if you want window washing, you
can go to Premiere. They do window

1614
02:12:11.159 --> 02:12:16.079
cleaning and pressure washing and commercial.
By the way, they do commercial window

1615
02:12:16.199 --> 02:12:22.079
tinting seven to zero nine five three
zero zero seven eight seven two zero nine

1616
02:12:22.159 --> 02:12:26.479
five three zero zero seven eight.
Here's an easy uh website to remember for

1617
02:12:26.560 --> 02:12:33.479
windows, residential, commercial and tinting. We Clean Windows dot co. Go

1618
02:12:33.600 --> 02:12:37.640
with a sure thing Denvers Best Roofer, Excel Roofing dot com. You don't

1619
02:12:37.680 --> 02:12:45.560
pay a cent until you're content.
Time for an insurance checkup, free,

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02:12:45.600 --> 02:12:50.760
no obligation comparison call Compass Insurance.
Pay too much your coverage at dozens of

1621
02:12:50.760 --> 02:12:54.760
insurance companies find out now three oh
three seven seven to one help. You'll

1622
02:12:54.760 --> 02:12:58.600
think you're his only customer when you
choose Frank durand the real estate Man dot

1623
02:12:58.640 --> 02:13:03.319
com to list your home with Remax
Alliance three oh three nine two zero sixteen

1624
02:13:03.399 --> 02:13:07.760
twenty two. Come on, man, Jordaniano let's go back to him my

1625
02:13:07.920 --> 02:13:13.039
moneymway dot com. Jordan, I
have a question. I got to get

1626
02:13:13.079 --> 02:13:16.079
to it right here here it is
okay, okay, So they what are

1627
02:13:16.119 --> 02:13:20.840
the costs associated? This was the
text. What are the costs associated?

1628
02:13:20.600 --> 02:13:26.000
How do they figure their expenses for
like putting money in what works for him?

1629
02:13:26.039 --> 02:13:28.840
Blah blah blah. Yeah. So
this is something that is a wonderful

1630
02:13:28.880 --> 02:13:33.199
question because most four to one k
is most brokerage accounts. You're looking anywhere

1631
02:13:33.279 --> 02:13:37.640
from three percent, two percent on
upwards of four percent sometimes and that's terrible

1632
02:13:37.640 --> 02:13:39.800
a year if you're not making that
in the market. Oh, by the

1633
02:13:39.840 --> 02:13:43.319
way, Jordan, that's a five
percent is very common for normal retirement plans,

1634
02:13:43.479 --> 02:13:48.119
which is which is a lot.
I mean, most people awesomes are

1635
02:13:48.159 --> 02:13:50.000
averaging maybe two to three if you
look over the lifetime of it. That

1636
02:13:50.159 --> 02:13:54.079
was our product. We're talking a
tenth of a percent. That one product

1637
02:13:54.199 --> 02:13:58.159
that has a fifteen percent bonus that
we were talking about earlier. That is

1638
02:13:58.159 --> 02:14:01.640
not one percent fee, it's a
tenth of eight percent. That is a

1639
02:14:01.760 --> 02:14:03.880
year. So minute is that a
year? A ten to percent no fooling,

1640
02:14:05.199 --> 02:14:07.560
that is that's pretty damn cool.
By the way. Uh. I

1641
02:14:07.600 --> 02:14:11.319
want you to call them for a
private session or go to their website,

1642
02:14:11.319 --> 02:14:15.479
my Moneymway dot com. My moneymway
dot com. Three oh three seven seven

1643
02:14:15.560 --> 02:14:20.239
nine sixty six hundred. That's zero
three seven seven nine six six zero zero.

1644
02:14:20.279 --> 02:14:22.640
By the way, call three oh
three Martino. Believe me, you'll

1645
02:14:22.680 --> 02:14:26.520
get help. We'll call you back
three oh three six two seven eight four sixty six