WEBVTT 1 00:00:00.640 --> 00:00:13.880 Yeah, ripped off. You need advice so you don't have come run into 2 00:00:13.919 --> 00:00:21.839 Just as fast as we can, Shooter's gonna help come Dix is the Troubleshooter 3 00:00:21.960 --> 00:00:28.320 Show. No Tom Martine, Hi, I'm Tom Martino, And uh we're 4 00:00:28.359 --> 00:00:31.679 doing it again, aren't we. We're solving problems, answering questions, taking 5 00:00:31.679 --> 00:00:35.240 comlaiints and I welcome you here as I do every day. Love love, 6 00:00:35.320 --> 00:00:39.640 love what I do and how we do it. And you know, here's 7 00:00:39.679 --> 00:00:45.960 the deal. We don't always help people by helping them directly, because sometimes 8 00:00:46.000 --> 00:00:49.880 they're too far go on to problems, too far going, But we do 9 00:00:50.000 --> 00:00:55.640 help in a respect other people who who can prevent it. We can also 10 00:00:55.799 --> 00:01:00.560 help those who have a problem to know the truth about it. You can 11 00:01:00.600 --> 00:01:07.319 text me here at any time five seven, seven three nine. Put Tom 12 00:01:07.359 --> 00:01:11.040 in that message. It gets to me, and then it has to have 13 00:01:11.079 --> 00:01:15.760 a first name in it. And then you can also reach me on the 14 00:01:15.760 --> 00:01:21.040 phone three oh three, seven to one to three talk now that's the station's 15 00:01:21.079 --> 00:01:23.200 number. Then we have our own number that you can call twenty four to 16 00:01:23.200 --> 00:01:27.599 seven and you can leave a message we're not answering, and we'll call you 17 00:01:27.640 --> 00:01:32.439 back to get on the show. Of course, there's no obligation if you 18 00:01:32.480 --> 00:01:34.959 call, just leave a message. Three oh three Martino three oh three six 19 00:01:36.120 --> 00:01:41.000 two seven eight four six six. Today is Insurance Day. I love insurance 20 00:01:41.079 --> 00:01:45.439 Day. If you're one of my YouTube morons or Facebook flunkies, you'll see 21 00:01:46.319 --> 00:01:49.480 Brian over here to the right, Brian Burns Compass Insurance Group. We do 22 00:01:49.560 --> 00:01:53.519 insurance check ups. Well, they do insurance check ups every single day. 23 00:01:55.280 --> 00:01:57.359 They've been doing it for so many years. We came up with this years 24 00:01:57.359 --> 00:02:00.519 ago and it came on the show and it got to be fun. I 25 00:02:00.560 --> 00:02:04.239 said, Brian, what if people call up? Can you actually compare stuff? 26 00:02:04.239 --> 00:02:07.280 And then it became a regular part of their business. So what they 27 00:02:07.359 --> 00:02:12.479 do is compare with about twenty six companies or so out of twenty five twenty 28 00:02:12.479 --> 00:02:16.560 six and then let you know if you can get better coverage at a lower 29 00:02:16.560 --> 00:02:21.800 price, or just a lower price. But here's what I love about comparisons, 30 00:02:21.840 --> 00:02:25.439 and I want you to remember this. Don't go by people who say 31 00:02:25.479 --> 00:02:30.000 I can do that better, I can do that cheaper unless they actually can. 32 00:02:30.639 --> 00:02:35.759 So what Compass does is put if they put their money where their mouth 33 00:02:35.840 --> 00:02:38.439 is when they tell you they can get you better coverage. They better come 34 00:02:38.479 --> 00:02:42.199 through right because they have to have a policy that It's not like they can 35 00:02:42.280 --> 00:02:44.479 just lie to you about it, right. No one can lie to you 36 00:02:44.520 --> 00:02:46.800 about math. So if you're paying four grand, five grand, six grand, 37 00:02:46.879 --> 00:02:50.639 whatever for all kinds of insurance and they come back and say, well 38 00:02:50.639 --> 00:02:53.360 we can do this for thirty eight hundred or forty eight whatever, it's math 39 00:02:54.120 --> 00:02:58.599 and then the coverage is coverage. So enough set about that. You can 40 00:02:58.639 --> 00:03:02.759 call us directly about questions on insurance, or you can call the insurance Health 41 00:03:02.800 --> 00:03:07.919 Center right now and get a quote. What they're going to ask you is 42 00:03:07.960 --> 00:03:09.840 what you're paying for? What do you know? Eighty five percent of the 43 00:03:09.879 --> 00:03:15.000 time we save people money. What's the biggest reason we save people money? 44 00:03:15.000 --> 00:03:17.319 Brian? Is that the creep up syndrome or why? What is the biggest 45 00:03:17.360 --> 00:03:21.960 reason? Yeah, I would say a lot of people, especially your listeners, 46 00:03:22.000 --> 00:03:25.840 have been with their insurance company for twenty thirty years and just have never 47 00:03:25.919 --> 00:03:30.599 looked and so then and we talked about that, and yeah, usually not 48 00:03:30.879 --> 00:03:36.240 the insurance companies don't normally reward loyalty. They don't. Unfortunately they don't, 49 00:03:36.280 --> 00:03:38.599 and people think they do, and they'll get this thing like they say, 50 00:03:38.599 --> 00:03:42.759 well, I'm guaranteed to be renewed. And I always explain to people, 51 00:03:42.800 --> 00:03:46.039 but even carriers we have, I don't feel like that's really a benefit because 52 00:03:46.479 --> 00:03:50.520 if they guarantee they're going to renew you, they don't guarantee the rate they 53 00:03:50.560 --> 00:03:53.639 can charge you, you know, ten times what you're paying right now, 54 00:03:53.000 --> 00:03:58.039 where we could find a better company anyways, So you know, this whole 55 00:03:58.080 --> 00:04:00.840 idea gives people this comfort to say, well, I'm guaranteed to be renewed 56 00:04:00.879 --> 00:04:03.479 on my auto insurance, no matter how many tickets I have. Yeah, 57 00:04:03.479 --> 00:04:06.919 but they don't guarantee the raid. So all right, let's go to the 58 00:04:08.000 --> 00:04:10.120 phones. By the way, but if you have insurance question, you go 59 00:04:10.159 --> 00:04:14.159 straight to the help center if you want to get your pricing. Three h 60 00:04:14.159 --> 00:04:17.240 three nine ninety six nine thousand, Hey, real quick. Yes, how 61 00:04:17.240 --> 00:04:21.240 about that turnout last night? Holy moly, one hundred and sixty people. 62 00:04:21.279 --> 00:04:27.360 That was great. Yeah, we went through the through the roof at the 63 00:04:27.360 --> 00:04:33.680 theater. It was the retirement, the baby boomer dilemma about retirement and Mark 64 00:04:34.839 --> 00:04:40.240 that movie highlighted some dirty tricks. I want to talk about some dirty tricks 65 00:04:40.240 --> 00:04:45.879 they did to people and some companies are still doing it. And Mark, 66 00:04:46.319 --> 00:04:49.319 do you know what happened to me? Do you know I had a pension 67 00:04:49.360 --> 00:04:55.240 I've been paying in for years and it was a guaranteed pension, and they 68 00:04:55.279 --> 00:04:59.480 did everything they could to talk me out of it. Now I did get 69 00:04:59.519 --> 00:05:04.279 out of it, but they I was lucky enough to find another product better. 70 00:05:04.920 --> 00:05:12.439 But they pensions are dirty. They want you to pay in for years 71 00:05:12.439 --> 00:05:15.800 and years, but they don't really want you to stay in. Now. 72 00:05:15.839 --> 00:05:18.839 I'm not talking about annuities, by the way, I'm talking about regular pensions. 73 00:05:18.839 --> 00:05:24.399 So in the state of Florida, they were running into trouble with this 74 00:05:24.519 --> 00:05:30.240 pension fund because a pension fund is what's called a defined benefit plan. A 75 00:05:30.279 --> 00:05:35.319 defined benefit plan says you pay in, you're going to get a guaranteed benefit 76 00:05:35.759 --> 00:05:43.959 and we are going to invest money to accomplish that. We'll talk more about 77 00:05:44.000 --> 00:05:46.480 it. It's really important. Thanks for bringing that up. Mark Ken wants 78 00:05:46.480 --> 00:05:51.800 to talk about T Mobile. Ken, what's happening? Hi? Tom? 79 00:05:53.040 --> 00:05:59.959 Hey, what's happening Mobile? Yeah, my father passed away back in October 80 00:06:00.680 --> 00:06:06.000 and my brother's been taking care of a lot of the details. He called 81 00:06:06.160 --> 00:06:12.560 T Mobile and said, my father's deceased, can we cancel this plan? 82 00:06:14.120 --> 00:06:18.319 And they basically wouldn't. Well, that's too bad. Then let him try 83 00:06:18.319 --> 00:06:25.360 to collect. Who cares? Hey, yeah, it's going My brother closed 84 00:06:25.360 --> 00:06:28.959 the account that they were pulling. Oh, and he said, hey, 85 00:06:29.839 --> 00:06:31.240 we don't want any When you say they wouldn't do it, here, let 86 00:06:31.279 --> 00:06:34.000 me let me get this straight. You said my dad passed away. He 87 00:06:34.000 --> 00:06:36.680 had an account with you, and they said tough. I mean, really, 88 00:06:36.759 --> 00:06:42.120 let's be honest. I want to hear what they said. I wasn't 89 00:06:42.160 --> 00:06:46.279 there, but I get my brother. I don't believe. I'm just gonna 90 00:06:46.319 --> 00:06:49.279 tell you. I'm not saying your brother's not telling the truth. They would 91 00:06:49.279 --> 00:06:53.560 never do that. No one would do that with the dead person. They 92 00:06:53.600 --> 00:06:59.399 won't do But let's talk about the facts. Okay. Facts are after he 93 00:06:59.439 --> 00:07:03.519 was deceased, they wouldn't do anything. And he went, you know, 94 00:07:03.600 --> 00:07:09.000 he was willing to work with him. They when you said they wouldn't do 95 00:07:09.079 --> 00:07:14.160 anything, did you send a death certificate to T Mobile? Yes? He 96 00:07:15.079 --> 00:07:17.519 said, Hey, man, I mean we've done everything, but exum, 97 00:07:17.600 --> 00:07:21.959 my father's okay, send it to him ken ken so okay. So, 98 00:07:23.199 --> 00:07:26.560 and by the way, I'm sorry your dad passed away, and and and 99 00:07:26.879 --> 00:07:29.759 you had to deal with this. I really don't want to just gloss over 100 00:07:29.800 --> 00:07:32.560 that. But bottom line is, since then are you telling me they've been 101 00:07:32.639 --> 00:07:39.240 racking up charges? Well, first of all, the charges were nominal, 102 00:07:39.279 --> 00:07:42.720 but it was a principle. Well, of course it was. But Ken, 103 00:07:42.759 --> 00:07:46.240 what I want to know is what are the consequences. They're not going 104 00:07:46.279 --> 00:07:51.199 to put a claim in against the estate. It's over his contractual obligation ended. 105 00:07:51.439 --> 00:07:57.360 Now if a phone hadn't been paid for, they they have put him 106 00:07:57.360 --> 00:08:03.240 into they have. You know, my brother called their collection people and as 107 00:08:03.279 --> 00:08:09.160 of now, I think they want three hundred dollars Ken through now, he's 108 00:08:09.240 --> 00:08:11.240 not listening. He's not listening to it. When you're not listening to what 109 00:08:11.279 --> 00:08:16.839 I'm saying. If part of the contract was paying for a phone, and 110 00:08:16.879 --> 00:08:22.720 a phone is not paid for and your dad dies, that's a different story. 111 00:08:24.120 --> 00:08:28.920 There's two kinds of parts to a cellular contract, equipment and service. 112 00:08:28.560 --> 00:08:33.399 If they were charging him for service after he died, not before, but 113 00:08:33.559 --> 00:08:39.960 after, they can't collect after he's dead. If they're charging him for a 114 00:08:39.080 --> 00:08:45.240 phone, they can keep charging until it's paid. If they were charging for 115 00:08:45.360 --> 00:08:50.399 service and he had an account receivable. They can also keep collecting that, 116 00:08:50.000 --> 00:08:56.240 but it goes against the estate. So in your dad's situation, I need 117 00:08:56.279 --> 00:08:58.720 to know a couple of things. No story's just facts, Like you said, 118 00:09:00.440 --> 00:09:07.440 did was this for equipment? Honestly, I don't have that information. 119 00:09:07.759 --> 00:09:11.440 Okay, I can call your helpline and get it. Ken, I'm going 120 00:09:11.480 --> 00:09:15.639 to tell you that it is because see let me tell you why. Because 121 00:09:15.840 --> 00:09:20.320 Team Mobile or any business, they're not going to waste time and money and 122 00:09:20.360 --> 00:09:26.200 collections on someone who's deceased for service they did not use. However, if 123 00:09:26.279 --> 00:09:31.720 there was an account balance at the time of his death, which happened while 124 00:09:31.759 --> 00:09:39.279 he was alive, for any reason, for service or for equipment, then 125 00:09:39.639 --> 00:09:43.879 his estate would have to pay for it. But even then, if the 126 00:09:45.120 --> 00:09:48.960 estate pays all the priority bills, that they're not. And by the way, 127 00:09:50.000 --> 00:09:52.919 did you open let's just talk about this. Did you open probate for 128 00:09:52.960 --> 00:10:00.240 your dad? No? Why? No? Why? For a very it's 129 00:10:00.320 --> 00:10:05.840 reasons, it wasn't an issue. There was no you know, the way 130 00:10:05.879 --> 00:10:09.679 the assets were dealt with. Are you saying you didn't need probate? What 131 00:10:09.799 --> 00:10:15.919 kind of assets were there? Candidly, I don't want I don't know and 132 00:10:16.000 --> 00:10:18.200 I if okay, well, Ken, I don't have enough information, but 133 00:10:18.279 --> 00:10:22.360 I will tell you this. There's no way they can collect period, So 134 00:10:22.399 --> 00:10:26.559 it doesn't matter. Let them collect all they want. I mean, what 135 00:10:26.559 --> 00:10:28.679 are they doing, how are they going to collect? I mean, does 136 00:10:28.720 --> 00:10:35.159 it just bother you? Ignore it, ignore it, throw the mail away, 137 00:10:35.480 --> 00:10:39.759 throw the court summons away. You and your brother are not personally liable. 138 00:10:39.919 --> 00:10:46.039 And I wanted to let people know that this is how teen Mobile does 139 00:10:46.080 --> 00:10:50.360 business. Well, we don't really know that because, as I said, 140 00:10:50.840 --> 00:10:54.399 if your dad, I want you to call me back and let me know 141 00:10:54.919 --> 00:10:58.000 exactly what happened, because I really don't know. I really do. If 142 00:10:58.000 --> 00:11:01.720 they're trying to collect service after he's deceased, which I know they're not, 143 00:11:03.360 --> 00:11:07.639 then it would be a bad thing. They're trying to collect probably on a 144 00:11:07.679 --> 00:11:11.879 phone he never paid for or did not complete paying for, or a balance 145 00:11:11.960 --> 00:11:16.679 due upon his death, but either one of those, even those they can't 146 00:11:16.720 --> 00:11:18.960 collect. Now they have a right to go against the estate, but if 147 00:11:18.960 --> 00:11:24.480 you never open to probate, they have nothing to go after. If all 148 00:11:24.519 --> 00:11:28.840 of the assets were dealt with outside of probate, now that's a whole different 149 00:11:28.919 --> 00:11:31.879 story. Where they dealt with properly blah blah blah blah blah. But for 150 00:11:31.960 --> 00:11:35.600 three hundred dollars, I doubt T mobile is going to open up a probate, 151 00:11:37.080 --> 00:11:41.120 so I would forget about it. Three zero three seven to one three 152 00:11:41.120 --> 00:11:45.799 talk seven one three eight two five five. Waterpros dot net has the best 153 00:11:45.799 --> 00:11:50.600 water systems, the lowest prices bar none. You know I always talk about 154 00:11:50.600 --> 00:11:52.480 my coffee. You can make iced tea. You can just drink water and 155 00:11:52.559 --> 00:11:56.200 it's the best water ever. Fourteen hundred dollars at the kitchen sink. Never 156 00:11:56.240 --> 00:12:01.279 buy bottled water again. That's three h three eight six y two five five 157 00:12:01.399 --> 00:12:09.080 five four. Go with a sure thing Denver's best roofer Excel Roofing dot com. 158 00:12:09.120 --> 00:12:16.720 You don't pay a cent until you're content. Time for an insurance check 159 00:12:16.799 --> 00:12:20.080 up free, no obligation. In comparison, call Compass Insurance paying too much 160 00:12:20.200 --> 00:12:24.480 your coverage at dozens of insurance companies find out now three oh three seven seven 161 00:12:24.519 --> 00:12:28.919 to one. Help. You'll think you're his only customer when you choose Frank 162 00:12:28.960 --> 00:12:33.519 durand the real estate Man dot com to list your home with Remax Alliance three 163 00:12:33.600 --> 00:12:39.080 oh three nine two zero sixteen twenty two Hey, I'm Tom Martino, your 164 00:12:39.120 --> 00:12:45.639 troubleshooter. Three oh three seven one three talk three oh three seven one three 165 00:12:45.759 --> 00:12:48.240 eight, two five five. Back to the phones. Anything on your mind, 166 00:12:48.240 --> 00:12:52.600 Give us a call three oh three, seven one three talk or three 167 00:12:52.600 --> 00:12:58.600 oh three Martino. Frida want to talk about an ATM? Hey, Frida, 168 00:12:58.759 --> 00:13:03.000 what's happening? You know the good thing about ATMs? Nowadays everything is 169 00:13:03.120 --> 00:13:07.320 on camera. Go ahead, you hope so, but people keep telling me 170 00:13:07.399 --> 00:13:11.639 that those cameras are not actually taking video. I hope they are because that's 171 00:13:11.639 --> 00:13:16.480 the only way of the situation. What happened? What happened? Every month, 172 00:13:16.519 --> 00:13:20.639 I go to the ATM and I withdrews the hundred dollars cash out of 173 00:13:20.639 --> 00:13:26.639 my prepaid debit card where I get my direct deposits for my disability. Okay, 174 00:13:26.879 --> 00:13:33.320 now is this Social Security disability? Yes? So okay, pounding out 175 00:13:33.399 --> 00:13:39.360 my cash and the machine shut down and now functioned. Oh my goodness, 176 00:13:39.480 --> 00:13:46.960 gracious, hold on. So you put in your card and then it was 177 00:13:46.039 --> 00:13:54.159 counting your money and went dark exactly holed up a couple of times, and 178 00:13:54.200 --> 00:13:58.519 it kept going there's a cable unplugged, and then it said the system is 179 00:13:58.559 --> 00:14:01.799 temporarily down, and then I waited a few more minutes and it finally booted 180 00:14:01.879 --> 00:14:05.720 up, and it said, please in search your card to begin your transaction. 181 00:14:05.279 --> 00:14:09.039 No money, no cash in my hand. My bank said it was 182 00:14:09.080 --> 00:14:13.480 out, that it had come out of my account. But where did it 183 00:14:13.600 --> 00:14:20.919 go in the vapor? No own, my god, hold on, it's 184 00:14:22.039 --> 00:14:24.480 free to I kind of believe, I mean not kind of. I believe 185 00:14:24.519 --> 00:14:28.639 this kind of stuff. This sucks. So here's what's happening. You're there, 186 00:14:28.879 --> 00:14:31.720 it goes dark, comes back on and wants you to start over. 187 00:14:31.840 --> 00:14:37.440 But that money's not there anymore. Exactly. I think it's done my transaction. 188 00:14:37.559 --> 00:14:39.679 We're done. I have no receipt. Yeah, but there's a camera. 189 00:14:39.919 --> 00:14:46.480 How long ago did this happen? On the thirtieth of March? And 190 00:14:46.679 --> 00:14:52.039 I've got my my prepaid debit card is supposed to be disputing it. The 191 00:14:54.159 --> 00:15:01.039 Canyon City Police Department is wait, so you're in Canyon City? Yeah, 192 00:15:01.080 --> 00:15:05.919 and it was what date was it? March? What thirtieth? Okay, 193 00:15:05.519 --> 00:15:09.399 listen, there's got to be there's got to be a way that they look 194 00:15:09.480 --> 00:15:13.240 at this tape. There's got to be well, you think so, but 195 00:15:13.840 --> 00:15:18.320 it was on the it's built in inside. Wait, is this is this 196 00:15:18.399 --> 00:15:22.639 a bank or is this just out somewhere? You know, where is this 197 00:15:22.759 --> 00:15:30.879 machine? It's in the wall of the bank at the First Interstate Bank and 198 00:15:31.919 --> 00:15:35.320 there's no printing on it. Nothing, It's just got the First Inner State 199 00:15:35.360 --> 00:15:39.360 logo on it. You know what I would do for you to I would 200 00:15:39.399 --> 00:15:43.879 take them the small Claims court. Well, why not just go into the 201 00:15:43.919 --> 00:15:48.039 bank and talk to him? I called the bank on. Well, that's 202 00:15:48.120 --> 00:15:50.919 not what I said. Why wouldn't you just go into the bank and talk 203 00:15:52.000 --> 00:15:56.200 to him? Give him the date. Did you get a receipt saying that 204 00:15:56.279 --> 00:16:00.519 you got six hundred dollars? No? How do you know it was taken 205 00:16:00.559 --> 00:16:06.799 out of your account? Well, on my account online it shows that it 206 00:16:06.840 --> 00:16:08.440 came out, and I don't. Does it show it came out on that 207 00:16:08.559 --> 00:16:15.840 day? Yes, Well, you know what I would do. But I 208 00:16:15.960 --> 00:16:18.440 called the bank. Let me tell you, Tom. I called the bank 209 00:16:18.000 --> 00:16:22.440 and they said, this is not our ATM. We have nothing to do 210 00:16:22.480 --> 00:16:26.639 with it. It's whose ATM? Is it? It belongs to money Pass? 211 00:16:26.120 --> 00:16:33.639 It's in the wall of their damn bank? Yeah? And did you 212 00:16:33.720 --> 00:16:38.679 call hold on? Who did they say it belonged to money Pass? Money 213 00:16:38.679 --> 00:16:44.840 Pass tractor. Yeah, it's an independent contractor that works for with money Pass. 214 00:16:45.240 --> 00:16:48.799 Where does the money come from? That's wait a minute, Where does 215 00:16:48.879 --> 00:16:52.480 the money come from? That's inside the machine? Does God make it? 216 00:16:52.519 --> 00:16:56.559 Where does it come from? He services it, He puts cash in it 217 00:16:56.159 --> 00:17:00.679 and takes out, reconciles it every day that they won't tell me who it 218 00:17:00.799 --> 00:17:07.720 is. Does the bank? I would say, the bank gets paid for 219 00:17:07.799 --> 00:17:12.559 having that there? I'm sorry, I think it's the bank's problem. What's 220 00:17:12.599 --> 00:17:19.279 the name of the bank, first Interstate Bank and it's in Canyon City. 221 00:17:19.480 --> 00:17:22.400 Yes, yeah, that's one of the problems right there, I'll tell you 222 00:17:22.880 --> 00:17:27.720 is Canyon City. I mean, I just think they're backward. They don't 223 00:17:27.799 --> 00:17:30.880 they don't have an idea of what the hell it means for customer service, 224 00:17:30.920 --> 00:17:37.720 I think. I mean, it's really sad. So well, I'm standing 225 00:17:37.799 --> 00:17:40.480 they're not nobody. I can call them bank, Well, you got me, 226 00:17:40.599 --> 00:17:42.680 you can call them. We're going to call them and let's see I 227 00:17:44.200 --> 00:17:56.079 think uh recording of the last time I called them. Anyway, that's Canyon 228 00:17:56.160 --> 00:18:04.640 City Bank. Here, here's what we're gonna do. Deputy Dollar, Deputy 229 00:18:04.680 --> 00:18:08.039 Dollar. He was, by the way at the movie last night. We're 230 00:18:08.079 --> 00:18:15.160 gonna have him call, and we're also gonna give you some instructions too on 231 00:18:15.440 --> 00:18:17.799 a small claims court. I swear to God, if you go to small 232 00:18:17.799 --> 00:18:22.519 claims court, it's a breach of contract. That's right, Tom. There's 233 00:18:22.599 --> 00:18:27.039 the bank, and I'll tell you why can I explain why you can serve 234 00:18:27.119 --> 00:18:32.200 the bank and the name of that other company both, but you give it 235 00:18:32.240 --> 00:18:36.920 to the bank. That bank is their agent. They can't erase themselves. 236 00:18:37.319 --> 00:18:41.839 They are somehow being compensated to have that machine in there and this person that 237 00:18:41.920 --> 00:18:45.559 comes and services it. I don't care what they do. That bank gets 238 00:18:45.559 --> 00:18:48.720 paid for it. They don't do it as charity. I wouldn't think so. 239 00:18:49.359 --> 00:18:53.039 And once you file that, they're gonna look for your damn money or 240 00:18:53.039 --> 00:18:56.400 they're going to contact the guy. In fact, I want Deputy Dollar to 241 00:18:56.480 --> 00:19:00.400 tell them it's not a free ride. They don't just get to say I'm 242 00:19:00.440 --> 00:19:04.960 sorry, it's not us. My god, I just can't believe this. 243 00:19:07.119 --> 00:19:10.279 So it's first, what bank is he calling? You need to know this 244 00:19:10.319 --> 00:19:15.640 can happen. What okay? First, what I said, That's what I 245 00:19:15.680 --> 00:19:18.119 wanted to call you. First bank, what is the name? It's not 246 00:19:18.319 --> 00:19:22.519 it's first what I didn't write it down? First? Interstate bank? Okay, 247 00:19:22.519 --> 00:19:26.519 got it? Okay, Now here's what I want to know. Okay, 248 00:19:26.640 --> 00:19:30.119 what are you doing for money? Well, I can't make in the 249 00:19:30.160 --> 00:19:33.640 house payment and stuff like that. I'm happy to call him and tell him, 250 00:19:33.640 --> 00:19:37.599 hey, you know, thank making new original credit. But they said 251 00:19:37.640 --> 00:19:41.400 they did. I'll know it's in ten days by writing. They haven't written 252 00:19:41.400 --> 00:19:45.599 me, they haven't called me. I'm gonna have to wait forty five days 253 00:19:45.640 --> 00:19:52.319 to get anything resolved. Yeah, sorry, yeah, yeah, this sucks. 254 00:19:52.440 --> 00:19:53.680 Now you're not going to wait for hea any I did it? You 255 00:19:53.720 --> 00:19:59.079 don't have it? You know? Well, of course they do. They 256 00:19:59.160 --> 00:20:02.759 have a fitty oh or they can get access to one. I don't care 257 00:20:02.799 --> 00:20:06.440 what they say. By the way, is there a camera there? Yes? 258 00:20:07.920 --> 00:20:11.400 Okay, you know what, Deputy Dollar, you tell these jerks to 259 00:20:11.519 --> 00:20:17.680 look at the damn camera. Three oh three seven to one three talk seven 260 00:20:17.720 --> 00:20:21.599 one three eight two five five. We're gonna take this on as we take 261 00:20:21.640 --> 00:20:25.680 on a lot of stuff. And I want to also tell you about eight 262 00:20:25.720 --> 00:20:29.680 eight eight heating dot Com twenty eight bucks. They come and one item in 263 00:20:29.720 --> 00:20:33.160 your home for twenty eight bucks. They diagnose they service it like your water 264 00:20:33.200 --> 00:20:37.039 heater. They'll service it. If you don't need any repair, they'll service 265 00:20:37.079 --> 00:20:40.960 it twenty eight dollars. Your toilet twenty eight dollars now if it needs any 266 00:20:41.039 --> 00:20:44.920 more major repairs, that twenty eight dollars is credited. You don't do better 267 00:20:44.960 --> 00:20:48.799 than that at eight eight eight Heating dot com a great company. We ought 268 00:20:48.799 --> 00:20:56.759 more coming up. Go with a sure thing Denver's best roofer Excel Roofing dot 269 00:20:56.799 --> 00:21:03.920 com. You don't pay a cent until your time for an insurance check up 270 00:21:04.039 --> 00:21:10.519 free no obligation comparison call Compass Insurance paying too much your coverage at dozens of 271 00:21:10.559 --> 00:21:14.119 insurance companies find out now three all three seven to seven to one help. 272 00:21:14.279 --> 00:21:18.119 You'll think you're his only customer when you choose Frank durand the real estate Man 273 00:21:18.160 --> 00:21:22.599 dot com to list your home with Remax Alliance three all three nine two zero 274 00:21:22.759 --> 00:21:33.200 sixteen twenty two. Hey Tom Martino here three all three seven one three talk 275 00:21:33.319 --> 00:21:36.960 seven one three eight two five five off the area. We were talking about 276 00:21:36.960 --> 00:21:41.599 electric cars and uh, you know, uh, Tesla did something really smart. 277 00:21:41.640 --> 00:21:45.880 They made a they gave everyone on this latest update. They gave them 278 00:21:45.880 --> 00:21:52.680 a free trial for thirty days of the full Uh what do they call it? 279 00:21:52.000 --> 00:21:55.920 Auto drive? Right? Well? Full ut. So my son got 280 00:21:55.960 --> 00:22:02.079 it and said, oh my god, I can't believe it. And Mark 281 00:22:02.160 --> 00:22:06.279 says he can't live without it now. And you can buy it by the 282 00:22:06.279 --> 00:22:07.920 month, or you can buy a lump sum. Is that lump sum for 283 00:22:08.000 --> 00:22:12.400 the year or is that lump sum for life? It's for the life of 284 00:22:12.519 --> 00:22:15.079 not only when you own the car, but when you sell it. It 285 00:22:15.160 --> 00:22:22.960 follows. But you chose to go monthly because you're not going to help it 286 00:22:22.960 --> 00:22:26.720 that long. First of all, the reason they decided to let everybody use 287 00:22:26.720 --> 00:22:30.160 it is because it's finally out of beta, or it's far enough in beta. 288 00:22:30.759 --> 00:22:33.279 For a long time. Up until like a month ago, you had 289 00:22:33.319 --> 00:22:37.720 to qualify to use it, even if you paid the two hundred bucks a 290 00:22:37.799 --> 00:22:42.039 month, and if you drive fast, you simply would not qualify to drive 291 00:22:42.119 --> 00:22:45.039 mar Tesla. Notion dries. It makes sense. It does. Here's why 292 00:22:45.039 --> 00:22:48.880 it doesn't make sense. Two hundred bucks a month is a steal because if 293 00:22:49.119 --> 00:22:56.400 because otherwise, if you pay fifteen grand, you know that's the equivalent to 294 00:22:56.440 --> 00:23:00.039 paying seventy five months. I mean, in other words, yeah, I 295 00:23:00.319 --> 00:23:02.839 get it. No one would ever buy that. Why would you? No 296 00:23:02.839 --> 00:23:06.720 one's going to keep the car six years? I wouldn't think so at all, 297 00:23:06.839 --> 00:23:10.480 man, And why would you care when you sell it that somebody else 298 00:23:10.519 --> 00:23:14.599 gets it? So I wouldn't pay increase? Well, I'll bet you not. 299 00:23:14.799 --> 00:23:18.640 I'll I guarantee it does. Of course he gives it, I'll drive. 300 00:23:18.160 --> 00:23:22.759 Oh hold on, I'll bet you people in their minds would say this. 301 00:23:22.359 --> 00:23:26.880 Am I going to pay ten or ten thousand more, fifteen more whatever 302 00:23:27.400 --> 00:23:30.519 for this car with auto drive? Or am I just going to buy one 303 00:23:30.720 --> 00:23:36.920 and pay two hundred a month? I don't know. I still don't think 304 00:23:37.079 --> 00:23:41.119 the lump sum ever makes sense, But maybe I'm wrong. Let's put it 305 00:23:41.160 --> 00:23:45.039 this way. You wouldn't buy pay a lump sum ever, right, even 306 00:23:45.079 --> 00:23:48.359 if you bought a brand new car? Would you? Mark? Well, 307 00:23:48.440 --> 00:23:52.839 I didn't even really contemplate it because once again, it was in beta, 308 00:23:52.839 --> 00:23:56.559 and I knew I'd never qualify for the beta. Do you still have to 309 00:23:56.680 --> 00:24:00.440 qualify for the auto drive? Now? No? But what it does? 310 00:24:00.559 --> 00:24:07.799 Do I learn this? It will? It says it'll pull it out if 311 00:24:07.839 --> 00:24:11.440 you screw up four times? Now, how do you screw up? You're 312 00:24:11.480 --> 00:24:15.759 not paying attention. Your hand's not on the wheel, and it warns you 313 00:24:15.839 --> 00:24:19.960 a couple times, and that's how I mean. Or I think it's looking 314 00:24:21.000 --> 00:24:22.640 at your eyes now too. In fact, I know it is. I'm 315 00:24:22.680 --> 00:24:26.680 not sure what camera, but it's making you pay attention, which is good. 316 00:24:26.720 --> 00:24:32.200 That's going to keep them out of lawsuits. Oh my god, Dennis 317 00:24:32.839 --> 00:24:36.119 is on the phone here, and you got to look at this picture. 318 00:24:36.720 --> 00:24:40.400 No, I did, my god. Listen, I'm gonna put this picture 319 00:24:40.480 --> 00:24:41.960 up before you talk it. Well, I mean talk about it, but 320 00:24:42.039 --> 00:24:45.880 everybody out there listening, if you go to on YouTube channel, Dennis, 321 00:24:45.920 --> 00:24:49.160 I want to get an attorney on before I take your call. So I 322 00:24:49.200 --> 00:24:55.799 want Kachina to work on that. And I imagine Kachina is out of her 323 00:24:55.839 --> 00:25:00.359 depression now right over at Purdue, is she? Is she back to normal? 324 00:25:00.599 --> 00:25:03.519 Yeah? I'm good. Thanks. We don't say the P word here. 325 00:25:04.359 --> 00:25:07.240 What was it? I'll tell you what what they lose by like forty 326 00:25:08.079 --> 00:25:11.200 but Mark, guess what, they were one of the top two. They 327 00:25:11.200 --> 00:25:15.960 were the top two teams, so you know they didn't win, but they 328 00:25:15.000 --> 00:25:18.599 were guess what, they were the top two in the top two. That's 329 00:25:18.599 --> 00:25:22.480 pretty damn good, Mark. It was not forty. It was fifteen. 330 00:25:23.119 --> 00:25:27.279 Oh fifteen, Shut the hell up. Fifteen's not bad. That's a lot 331 00:25:27.319 --> 00:25:33.440 better than forty. They lost getting out of the shower. I heard they 332 00:25:33.440 --> 00:25:37.359 were playing a high school team too. Is that true? All of you 333 00:25:37.400 --> 00:25:41.039 guys can bite me. I never went to a college and had any sports 334 00:25:41.079 --> 00:25:45.000 of any note. They were all just dogs. Didn't you go to Syracuse? 335 00:25:45.799 --> 00:25:48.319 No? No, all any I mean, Sonny, But here's the 336 00:25:48.359 --> 00:25:52.559 deal. They what are they known for? Nothing? And then before that 337 00:25:52.799 --> 00:25:56.200 it was a community college in Florida. Well, same for New York City 338 00:25:56.240 --> 00:26:00.079 residents. Tom, we had no college teams. You went to a college 339 00:26:00.079 --> 00:26:03.880 in the city. Yeah, you know what was amazing about Mark? Hold 340 00:26:03.960 --> 00:26:07.880 on real quick about March Madness this year? If I read the article right, 341 00:26:08.000 --> 00:26:15.480 the women's basketball Final four pulled more numbers than the men. Think about 342 00:26:15.480 --> 00:26:19.920 that. That is absolutely unbelievable. It's because of Caitlin. She's a superstar 343 00:26:21.079 --> 00:26:26.079 man. Yeah, and you know, yeah, hey, Jackie, what's 344 00:26:26.119 --> 00:26:33.599 happening me? Yeah? You? How are you? I didn't know you 345 00:26:33.599 --> 00:26:36.960 could hear. I'm trying to tell my dog to shut up. What kind 346 00:26:36.960 --> 00:26:41.359 of dog is it? Oh? He's a mutt. He's labing something else. 347 00:26:41.400 --> 00:26:45.960 But he's not very big. Is he smart? Is he smart? 348 00:26:48.440 --> 00:26:55.640 Not? Really? I love when people admit their dog and kids aren't smart. 349 00:26:55.680 --> 00:27:00.759 Anyway, So jackidle yeah, Martino doodle, Hey Jack, what's going 350 00:27:00.799 --> 00:27:07.799 on with the post office? Oh? It was terrible. I don't even 351 00:27:07.880 --> 00:27:11.400 know. I went in to put in a change of address with the post 352 00:27:11.440 --> 00:27:15.279 office. I did it many years ago, and it was a couple bucks. 353 00:27:15.319 --> 00:27:19.240 So you actually went there to do this no years ago. I did 354 00:27:19.240 --> 00:27:22.599 it online and it was just a couple bucks. And they wanted to get 355 00:27:22.720 --> 00:27:30.480 credit cards easy, right, And this time I was taken somehow to another 356 00:27:30.920 --> 00:27:34.599 company that's right, looked like the post office, right. I know it. 357 00:27:34.680 --> 00:27:37.559 I know because I listen. I was doing this for one of my 358 00:27:37.680 --> 00:27:42.440 relatives and this happened, and it looks just like it. And and okay, 359 00:27:42.519 --> 00:27:47.119 so what they usually want to do with a change of address is sell 360 00:27:47.160 --> 00:27:51.599 you all kinds of upstuff. So anyway, you thought you were online with 361 00:27:51.720 --> 00:27:55.880 the post office, right, right? It took me right there under post 362 00:27:56.000 --> 00:28:00.319 off office. It's a change of address. So I put on that length 363 00:28:00.440 --> 00:28:04.160 filled it out. They wanted my credit card number, which I knew. 364 00:28:04.359 --> 00:28:08.400 That's fine. I thought a couple of bucks. Again. The next thing, 365 00:28:08.720 --> 00:28:11.720 by the way, I never got charged for a change of address. 366 00:28:14.319 --> 00:28:18.279 Oh I didn't either, no book, okay, but but I never got 367 00:28:18.359 --> 00:28:22.480 charged. So that's the first clues. So then what happened, Well, 368 00:28:22.480 --> 00:28:26.519 I found out they never had a price on there is nothing. So what 369 00:28:26.720 --> 00:28:32.480 happened? What did it turn out to be? Well, I wrap it 370 00:28:32.599 --> 00:28:38.720 address dot change dot com. That's where I ended up without knowing it. 371 00:28:40.039 --> 00:28:44.039 Okay, so charged me sixty eight dollars. Wait, wait, rapid, 372 00:28:44.519 --> 00:28:51.519 address change dot com right, and and ended up charging you sixty I thought 373 00:28:51.519 --> 00:28:56.640 you said it was two dollars. No, when she did it years ago, 374 00:28:56.000 --> 00:29:03.400 it was oh right, years ago? Oh oh no, I have 375 00:29:03.960 --> 00:29:07.680 Yeah. I had no problem giving my credit card number too, because it 376 00:29:07.799 --> 00:29:10.279 wasn't a pose. I thought, a couple of bucks. I don't care, 377 00:29:11.000 --> 00:29:15.759 Rapid, I'm going to the website, okay, okay, keep going. 378 00:29:17.960 --> 00:29:22.839 So after I found out that I had to go back and put my 379 00:29:22.880 --> 00:29:26.920 change of address with the post office, I wanted it to be with the 380 00:29:26.960 --> 00:29:32.440 post office. I didn't trust this. Now. Then I got charged after 381 00:29:32.559 --> 00:29:36.799 doing this in the post office. I got charged one hundred and seventy nine 382 00:29:36.839 --> 00:29:41.480 dollars ninety five cents to change my address. No. By the way, 383 00:29:41.519 --> 00:29:47.839 when I go to this site, rapid Address Change dot com, it comes 384 00:29:47.960 --> 00:29:52.359 up with this. It comes up with this click offer. And I mean, 385 00:29:52.880 --> 00:29:56.200 I don't know how you could ever mistake this ever, ever, ever, 386 00:29:56.400 --> 00:30:02.039 ever, for the postcar being the post office, ever, ever ever, 387 00:30:02.240 --> 00:30:04.599 but I put it in there. When I put in post office change 388 00:30:04.640 --> 00:30:07.440 of address, I can't even get to the site. It makes you. 389 00:30:08.319 --> 00:30:14.680 It makes you, It says unpause your account to remove this banner. I 390 00:30:14.680 --> 00:30:17.440 mean, I don't even know what this means. Mark, When you go 391 00:30:17.559 --> 00:30:21.359 do that, see what you find. Rapid Address change dot com. How 392 00:30:21.359 --> 00:30:26.119 about this way? How about if you just type in change of address post 393 00:30:26.119 --> 00:30:32.480 office. Okay, I'm gonna do you mean as a search right now? 394 00:30:32.519 --> 00:30:36.799 Did you do it in Google? Yes? Okay, because I don't use 395 00:30:36.799 --> 00:30:38.759 Google anymore. Let me go to that. Okay, uh, change of 396 00:30:38.799 --> 00:30:45.880 address that's all past. Okay, change of address post office? Okay, 397 00:30:45.920 --> 00:30:49.359 hold on, okay, And I want to see what they pay, how 398 00:30:49.400 --> 00:30:55.440 their SEO is. And the very first one that comes up is called Mover's 399 00:30:55.480 --> 00:31:00.680 Guide. That's but it's it's genuine. The second one that comes up is 400 00:31:00.559 --> 00:31:04.359 genuine. The third one that comes up is genuine, the fourth one that 401 00:31:04.400 --> 00:31:08.240 comes up as genuine, the fifth one that comes up as genuine. I 402 00:31:08.359 --> 00:31:12.240 keep going, I don't find that anywhere on mine. But who cares? 403 00:31:12.279 --> 00:31:17.960 She already paid it. Yeah, oh right, it took me. Why 404 00:31:18.000 --> 00:31:22.720 don't you just contest it on your credit card? It's my debit cards for 405 00:31:22.839 --> 00:31:27.319 my bank account. You can still you can still challenge it. Yeah, 406 00:31:27.319 --> 00:31:30.279 but Tom, there are a lot of things. There are a lot of 407 00:31:30.279 --> 00:31:36.359 these scammers that do something that that actually do the process that you can do 408 00:31:36.440 --> 00:31:40.559 for free, but they charge you to do it. So there really isn't 409 00:31:40.759 --> 00:31:42.400 anything that you can complain about. Well, Mark, I mean, I'm 410 00:31:42.720 --> 00:31:48.519 a doc, you know, I get that with other things like renewing your 411 00:31:49.440 --> 00:31:52.920 you know how you have to die, you have to like your corporate reports 412 00:31:52.960 --> 00:31:56.920 and things like that. Yeah, you get these messages and they make it 413 00:31:56.960 --> 00:32:01.279 look like it's official and all of that. So Jackie, what are you 414 00:32:01.400 --> 00:32:05.160 calling to let other people know? What are you calling about? Because it 415 00:32:05.240 --> 00:32:10.480 might be too late? You're calling to warn people and I should have doubled 416 00:32:10.519 --> 00:32:14.519 triple check. Do you know do you know how many people get stung? 417 00:32:14.640 --> 00:32:17.839 Not just with this, but with all like, how about when they google 418 00:32:17.920 --> 00:32:23.640 their bank or think they're going to their bank? Yeah, I listen. 419 00:32:23.799 --> 00:32:30.839 We've had people on the show that have lost fifteen and twenty thousand dollars thinking 420 00:32:30.200 --> 00:32:37.599 they were on their bank site. We got more coming right up. Go 421 00:32:37.720 --> 00:32:42.960 with a sure thing Denver's best roofer Excel roofing dot com. You don't pay 422 00:32:43.000 --> 00:32:49.759 a cent until you're content. Time for an insurance check up free, no 423 00:32:49.880 --> 00:32:53.759 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 424 00:32:53.799 --> 00:32:58.119 of insurance companies find out now three out three seven, seven to one. 425 00:32:58.200 --> 00:33:00.880 Help. You'll think you're his only customer when you choose Frank durand the real 426 00:33:00.960 --> 00:33:06.559 estate Man dot com to list your home with Remax Alliance three oh three nine 427 00:33:06.559 --> 00:33:14.759 two zero sixteen twenty two. Hi Tom Martine, you're a troubleshooter. Can 428 00:33:14.799 --> 00:33:20.759 we get John Fuller on now? Maybe not now, let's do it right 429 00:33:20.799 --> 00:33:25.079 after the hour. I'm going to take him right now. No, no, 430 00:33:25.200 --> 00:33:30.160 hold on, better yet, it's too late, Dennis, hang on. 431 00:33:30.319 --> 00:33:31.920 I don't want to rush you through this. This is an incredible thing 432 00:33:31.960 --> 00:33:36.079 we're going to talk about with this dog bite and we're gonna put up the 433 00:33:36.119 --> 00:33:39.960 picture as well. But Julie, this is real quick. I'm just going 434 00:33:40.039 --> 00:33:44.440 to tell you straight up. You got a call from somebody who said they 435 00:33:44.440 --> 00:33:49.799 were from the sheriff's department, right right. What did they want? Oh? 436 00:33:49.839 --> 00:33:52.359 He wanted me to call him back. I'm the only thing that I 437 00:33:52.519 --> 00:33:55.440 care about is that he I mean, once you have somebody's phone number and 438 00:33:55.559 --> 00:33:58.880 kind of their name, you know who they are. I mean, everybody 439 00:33:58.920 --> 00:34:02.359 knows that. It's stand. I called him back. A sheriff's department doesn't 440 00:34:02.880 --> 00:34:06.720 go ahead? What did they say? So? I want to speak to 441 00:34:06.759 --> 00:34:07.840 your supervisor? And he said, oh, I need to know your name 442 00:34:07.920 --> 00:34:10.480 and who you are. And I called him from a different phone and I 443 00:34:10.519 --> 00:34:13.719 said, what did he say? He? What did he say? He 444 00:34:13.880 --> 00:34:17.760 wanted nothing, absolutely nothing. He would not tell me anything. And the 445 00:34:17.800 --> 00:34:21.280 only thing I worries me is I called him back and said, yeah, 446 00:34:21.280 --> 00:34:23.840 well you're not the sheriff and I don't care. And hey, can you 447 00:34:23.880 --> 00:34:29.800 give us that number off the air? I certainly will good. I want 448 00:34:29.800 --> 00:34:31.440 to play with that number. So I want you to give it to us 449 00:34:31.480 --> 00:34:36.760 off the air, because obviously you know, here's what it is. Most 450 00:34:36.800 --> 00:34:39.280 of the time you didn't show up for court. There's a summons for your 451 00:34:39.400 --> 00:34:44.480 arrest. Blah blah blah. Give us that number. We'll have some fun 452 00:34:44.519 --> 00:34:46.800 with it. I'm Tom Martinez. We got more coming up on the Troubleshooter 453 00:34:46.840 --> 00:34:51.639 Show. Now we'll go back to a Compass Insurance Group two because they're getting 454 00:34:51.639 --> 00:34:54.599 some reviews of insurance at three h three nine ninety six nine thousand and get 455 00:34:54.639 --> 00:34:59.199 a free insurance review. Let us know how much they saved you. Plus 456 00:34:59.639 --> 00:35:04.000 we have some texts questions in about insurance and the crisis for town homes and 457 00:35:04.079 --> 00:35:08.480 condos. Go with a sure thing Denver's Best roofer Excel Roofing dot com. 458 00:35:08.519 --> 00:35:15.079 You don't pay a cent until you're content. Please time for an insurance check 459 00:35:15.159 --> 00:35:21.360 up free, no obligation comparison call Compass Insurance paying too much your coverage at 460 00:35:21.400 --> 00:35:24.119 dozens of insurance companies find out now three O three seven to seven to one 461 00:35:24.239 --> 00:35:28.880 help. You'll think you're his only customer when you choose Frank durand the real 462 00:35:28.960 --> 00:35:32.559 estate Man dot com to list your home with Remax Alliance three oh three nine 463 00:35:32.559 --> 00:35:45.880 two zero sixteen twenty two ripped news you needed, that's who you don't have 464 00:35:47.559 --> 00:35:53.440 run anxious as fast as we can. Shooter's gonna help. Come man, 465 00:35:54.320 --> 00:36:00.719 this is the Troubleshooter Show. No Tom Martine. Hello, I'm Tom Martine. 466 00:36:00.840 --> 00:36:05.360 Welcome to the show. Three oh three seven one three talks seven one 467 00:36:05.360 --> 00:36:08.679 three eight two five five. This are brought to by renew home Innovations dot 468 00:36:08.719 --> 00:36:14.599 Com. When it comes to shower renovations and making the bathroom beautiful, there's 469 00:36:14.639 --> 00:36:19.000 nothing better. The natural stone look of the stone resin walls, the glass 470 00:36:19.039 --> 00:36:22.920 panels, no threshold to walk over, no curtains or doors needed, perimeter 471 00:36:23.079 --> 00:36:28.280 drains, benches, soap dishes. They do it custom to your movement. 472 00:36:28.800 --> 00:36:30.679 They get it done in two or three days. Listen to this one seventy 473 00:36:30.679 --> 00:36:35.039 two months to pay no interest. There's nothing like it. Renew Home Innovations 474 00:36:35.039 --> 00:36:39.960 dot Com three oh three nine zero four two thousand. Okay, Now, 475 00:36:42.000 --> 00:36:47.000 John Fuller, you hear me talk about my accident lawyer dot co. He's 476 00:36:47.000 --> 00:36:52.320 a personal injury expert as well. Of course, Now I want to talk 477 00:36:52.360 --> 00:36:58.559 about this with Dennis. He sent us pictures, and god, I want 478 00:36:58.559 --> 00:37:02.000 to know the circumstances. But the pictures are horrendous. I mean, a 479 00:37:02.119 --> 00:37:07.719 chunk out of your door. Is that your daughter? By the way, 480 00:37:07.920 --> 00:37:14.960 yes, sir Dennis. How old is your daughter? She'll be twenty one 481 00:37:15.039 --> 00:37:20.239 in July, and she had this chunk taken out. Can you explain the 482 00:37:20.280 --> 00:37:24.440 circumstances from the very beginning? Okay, John Fuller is listening. He's a 483 00:37:24.480 --> 00:37:28.960 personal injury attorney. As I said, we just want to get a perspective 484 00:37:29.000 --> 00:37:34.639 on this. So can you start from the beginning. What happened? My 485 00:37:34.760 --> 00:37:39.320 daughter had spent the night at a friend's house. The dog was there. 486 00:37:39.519 --> 00:37:43.599 She was there, her friend was there. She was walking up the stairs 487 00:37:43.599 --> 00:37:49.119 from the basement. The dog was standing at the top of the stairs and 488 00:37:49.159 --> 00:37:52.639 when they got as soon as she got like eye level with the dog, 489 00:37:52.679 --> 00:38:00.719 it latched onto her face. Now what kind of dog it's I believe it 490 00:38:00.800 --> 00:38:06.199 was a chow minx mm hm, and it just it just jumped up in 491 00:38:06.280 --> 00:38:08.760 bitter face. Did she talk to the dog? And I'm just curious, 492 00:38:08.960 --> 00:38:12.679 like, did she say hello dog because she was walking up? Okay, 493 00:38:14.239 --> 00:38:17.079 no, did the dog And I'm just curious more than any did the dog 494 00:38:17.360 --> 00:38:24.079 leap at her or what lunged? Yeah? For what she told me that 495 00:38:24.159 --> 00:38:30.039 she was just walking up the stairs and the dog. You know, she 496 00:38:30.159 --> 00:38:35.000 said that she had a hat on like a like a winter snow cap with 497 00:38:35.039 --> 00:38:39.039 a ball on the top. Did your daughter go to the hospital, yes, 498 00:38:39.079 --> 00:38:44.280 sir, And what did they do for her? What? So? 499 00:38:44.519 --> 00:38:47.320 What? What had happened is? I didn't find out about this until the 500 00:38:47.320 --> 00:38:52.800 next morning. So how long ago was this? By the way, this 501 00:38:52.960 --> 00:38:58.280 was about one year ago? Oh oh oh, okay, okay, Then 502 00:38:58.320 --> 00:39:00.480 what happened? Okay, so you found out about it? But she went 503 00:39:00.519 --> 00:39:06.360 to the emergency room. Then what So she got stitched up, and she 504 00:39:06.400 --> 00:39:13.519 went back to the house and avoided the dog. We got her the next 505 00:39:13.599 --> 00:39:21.920 day, and so the people that own the dog will not give us their 506 00:39:21.920 --> 00:39:24.519 homeowners and she's going to be scarred for life. I mean, those are 507 00:39:24.599 --> 00:39:29.840 massive. Well hold on, at the emergency room, did they recommend a 508 00:39:29.880 --> 00:39:37.159 plastic surgeon or anything? Yes? Did she have plastic surgery? Not yet? 509 00:39:38.400 --> 00:39:45.159 Not yet. You probably can't yet look at those wounds. Thank you, 510 00:39:45.239 --> 00:39:47.840 doctor Major. I thought maybe that you could. I don't know, 511 00:39:47.880 --> 00:39:51.719 but I'm glad we got your opinion on that. I want to talk about 512 00:39:51.800 --> 00:39:55.119 something. I'm just kidding. I want to talk about something when this this 513 00:39:55.199 --> 00:40:00.920 is a terrible thing. I want to know something though, you meet, 514 00:40:00.039 --> 00:40:07.079 when you ask them for their homeowners they just flat out said no. Yes, 515 00:40:08.920 --> 00:40:14.320 so the people who own the house, they're divorced and the father doesn't 516 00:40:14.360 --> 00:40:17.960 live there, the mother does with the child. Well, how old is 517 00:40:19.000 --> 00:40:22.519 the so called child? Your daughter was twenty when she went there? Right? 518 00:40:22.599 --> 00:40:25.480 Yeah? So yeah, so her child twenty years old? Same thing. 519 00:40:25.920 --> 00:40:29.480 Well, she's not a child, So I don't know if that does 520 00:40:29.480 --> 00:40:31.760 anything. We're gonna let John Way in on this. But the twenty year 521 00:40:31.800 --> 00:40:37.599 old, did she live there or was she there for the night? She 522 00:40:37.719 --> 00:40:46.880 lives there? Okay, now whoo all right, so my my daughter was 523 00:40:46.920 --> 00:40:52.559 referred to an attorney from a family friends. Worst thing you could do, 524 00:40:53.159 --> 00:40:57.280 first, worst thing you can do is get get a referral like that. 525 00:40:57.360 --> 00:41:01.639 What happened? Did you hire them? No? They had. They had 526 00:41:01.679 --> 00:41:06.119 said that they would take the case and they weren't going to charge a fee, 527 00:41:06.119 --> 00:41:08.559 but they were going to take it out of her settlement. Well that's 528 00:41:08.559 --> 00:41:15.119 what everyone does. That's what everyone does, right And now now they're saying 529 00:41:15.119 --> 00:41:17.719 there's really nothing they can do. They can't get the homeowners insurance information. 530 00:41:19.639 --> 00:41:23.559 They're okay, okay, that that attorney that attorney said, we can't do 531 00:41:23.599 --> 00:41:31.840 anything because they won't give us the insurance company information. Yes, I missed 532 00:41:31.840 --> 00:41:35.920 it today. He sign up? Or did this daughter sign up with this 533 00:41:36.000 --> 00:41:45.639 attorney? Did you enter into a fee agreement? No? No, my 534 00:41:45.719 --> 00:41:49.360 daughter was. Well let me ask you something this attorney was It was it 535 00:41:49.400 --> 00:41:54.000 a he or she? It was a she? Was? She? Was? 536 00:41:54.039 --> 00:42:02.039 She a personal injury attorney? I don't know my daughter was. So 537 00:42:02.440 --> 00:42:08.639 a friend, a friend says, go see this attorney. You have no 538 00:42:08.760 --> 00:42:15.119 idea what this attorney's credentials are. You have no idea if she's ever ever 539 00:42:15.440 --> 00:42:21.079 stepped into a courtroom. You have no idea if she was personal injury knowledgeable 540 00:42:21.599 --> 00:42:24.840 and your daughter went to see her, Well, she was. She was 541 00:42:24.840 --> 00:42:29.559 referred because the friend of referred her to this attorney had dealt with a dog 542 00:42:29.599 --> 00:42:31.800 bite with this attorney, and okay, they were going to handle it. 543 00:42:31.840 --> 00:42:36.519 My daughter and my oldest daughter, we're going to handle it. And because 544 00:42:36.679 --> 00:42:40.480 I'll get upset and maybe there is an insurance I just thought of that. 545 00:42:43.440 --> 00:42:45.480 Now, Well, here's what I want to know. You're saying that this 546 00:42:45.599 --> 00:42:51.800 house was was owned by the girl's parents. The girls, the twenty year 547 00:42:51.840 --> 00:42:58.639 old girl's parents are divorced. Is that right? Perfect? And what kind 548 00:42:58.639 --> 00:43:05.360 of house is it? I'm just curious. It's like dollar wise, it's 549 00:43:05.559 --> 00:43:07.719 I would say, I don't know today's market, probably five hundred thousand. 550 00:43:08.760 --> 00:43:13.440 I want to know something from Brian Burns real quick. Hold on, Brian, 551 00:43:13.760 --> 00:43:16.280 Is there a way to find out who's somebody's insurance carriers? Is there 552 00:43:16.320 --> 00:43:20.800 a way not not home insurance? Auto insurance, yes, but not home 553 00:43:20.840 --> 00:43:23.239 insurance. Okay, Now, John Fuller, why don't you weigh in on 554 00:43:23.280 --> 00:43:30.320 all of this and we'll shut up? All right? Well, listen, 555 00:43:30.559 --> 00:43:34.360 here's the deal. I'm going to tell you the problem. I'm going to 556 00:43:34.440 --> 00:43:37.440 tell you what the law is, and then I'm going to tell you what 557 00:43:37.480 --> 00:43:42.800 we can do about it. Okay. The problem is the dog bite statute 558 00:43:42.800 --> 00:43:46.440 in Colorado sucks. It absolutely sucks. The first time bite by a dog, 559 00:43:46.519 --> 00:43:51.039 there's a free bite. In other words, there's nothing that we can 560 00:43:51.079 --> 00:43:55.719 do other than to go and collect the medical bills alone. No pain and 561 00:43:55.800 --> 00:44:01.559 suffering, no compensation for the scar, the medical bills alone. The only 562 00:44:01.639 --> 00:44:07.039 thing you're allowed to collect are economic damages when a dog bite occurs in Colorado 563 00:44:07.199 --> 00:44:13.079 because of the laws that we have. Now, if there's been a history 564 00:44:13.159 --> 00:44:16.599 and the dog has a propensity for biting, in other words, that first 565 00:44:16.599 --> 00:44:22.400 bite has already happened to somebody else, then the statute allows you to go 566 00:44:22.480 --> 00:44:28.360 after non economic damages, which is der classic pain suffering, compensation for the 567 00:44:28.400 --> 00:44:31.280 scarring, all that kind of stuff. But without a history, you're limited 568 00:44:31.320 --> 00:44:37.599 to just the out of pocket expenses. And that's why it universally sucks to 569 00:44:37.639 --> 00:44:42.679 get that by a dog in Colorado. Now let me just say this. 570 00:44:43.360 --> 00:44:47.119 The third thing is that sometimes even if a dog doesn't have a bite history, 571 00:44:47.840 --> 00:44:52.599 we can, and I have, successfully taking cases all the way to 572 00:44:52.679 --> 00:44:58.360 trial by declaring that dog a dangerous condition that the landowners knew or should have 573 00:44:58.440 --> 00:45:04.000 known of, and basically proceeding as a premises liability case. And in the 574 00:45:04.039 --> 00:45:07.440 case that I took, the trial on that of somebody let dangerous dogs out 575 00:45:07.440 --> 00:45:10.960 of a pen and let them just run loose and they attack the lady. 576 00:45:12.000 --> 00:45:15.400 But we, you know, we had reason to characterize the dogs as a 577 00:45:15.519 --> 00:45:21.599 dangerous condition. So there are circumstances in which we can prevail on something other 578 00:45:22.000 --> 00:45:24.639 than the dog statute. Now, the last thing I'll say is this, 579 00:45:25.320 --> 00:45:30.079 if somebody has home owners insurance, and they won't give you that information. 580 00:45:30.239 --> 00:45:36.039 They just refuse altogether. If you have an otherwise viable case and you decide 581 00:45:36.039 --> 00:45:39.960 to file that case, and you know, with a lawsuit, and right 582 00:45:40.039 --> 00:45:44.880 after they answer the lawsuit, the very first thing that they have to do 583 00:45:45.079 --> 00:45:50.400 by law is to provide you with all of the information for any policies of 584 00:45:50.440 --> 00:45:54.800 insurance that they have that might be available to cover the losses that you're suing 585 00:45:54.840 --> 00:46:00.239 about. And so the moment you file the lawsuit, their willingness, their 586 00:46:00.239 --> 00:46:05.400 interest, their desire, and you having that information goes right out the window. 587 00:46:05.519 --> 00:46:08.880 They have to give it to you. Period. Further, they will 588 00:46:08.920 --> 00:46:15.280 have an absolute interest in getting that insurance company involved, because the insurance company 589 00:46:15.679 --> 00:46:20.119 has to provide the defense attorney to provide a defense. And so not only 590 00:46:20.159 --> 00:46:22.280 will they give it to you, but their attorney will give it to you, 591 00:46:22.320 --> 00:46:25.880 and they'll be calling that insurance company so fast it'll make your heads down. 592 00:46:27.760 --> 00:46:30.199 Now here's what I want to know, John, you mentioned, John, 593 00:46:30.280 --> 00:46:36.079 you mentioned the first dog bite is free. What I want to know 594 00:46:36.199 --> 00:46:38.599 is this now. Then you also mentioned, of course you could make an 595 00:46:38.679 --> 00:46:45.679 argument that possibly it's a premises liability. They knew a dangerous condition existed. 596 00:46:45.000 --> 00:46:47.519 But what I'd like to know is, going back to the dog bite, 597 00:46:47.599 --> 00:46:51.840 we don't know if it was the first dog bite. How do we find 598 00:46:51.880 --> 00:46:55.199 out? Yeah, well okay, so yes, you did tell me about 599 00:46:55.199 --> 00:47:04.119 it. So we called the Little Ten police department to make file a complaint, 600 00:47:05.000 --> 00:47:08.519 and we had the Little Ten deputy come out. The animal control guy 601 00:47:10.880 --> 00:47:15.760 he talked to the homeowners would get a nice get together, called it a 602 00:47:15.840 --> 00:47:21.400 level five bite. Super nice guy. He called me back and said it 603 00:47:21.599 --> 00:47:24.960 was the first bite that that dog has ever been first, the first reported 604 00:47:25.000 --> 00:47:28.199 bite, right, John, I mean, how do you know that? 605 00:47:28.519 --> 00:47:30.639 Yeah, you don't, Mark, but you can't just make it up. 606 00:47:30.719 --> 00:47:34.599 So I was going to say, the way you found out list by going 607 00:47:34.599 --> 00:47:38.360 to your municipality and talking to find out whether there had been fire complaints prior 608 00:47:38.440 --> 00:47:44.239 notifications of other bites and that kind of stuff. Otherwise, you wouldn't expect 609 00:47:44.239 --> 00:47:46.400 a homeowner to say, oh, yeah, this dog has bit the postman 610 00:47:46.880 --> 00:47:51.760 and the neighbor and you know everybody else. You can talk to neighbors, 611 00:47:51.760 --> 00:47:55.280 you can try to find witnesses about the dog being aggressive. There are ways, 612 00:47:55.360 --> 00:48:00.199 but it's not as clean cut when you don't have a prior report or 613 00:48:00.599 --> 00:48:07.079 documented about that dog. Right, So the deputy for the Littleton Police Department 614 00:48:07.480 --> 00:48:12.519 had told me that the dog was going to be quarantined at the house, 615 00:48:12.719 --> 00:48:16.159 I believe for three days and that was it. They still do they still 616 00:48:16.199 --> 00:48:22.440 have the dog? Yes? And does your daughter still is your daughter still 617 00:48:22.440 --> 00:48:29.440 friends with the girl? No? Hey, I got a question for John 618 00:48:29.519 --> 00:48:34.599 on this, John, if you can't go over after other damages, besides, 619 00:48:34.760 --> 00:48:38.039 you know, whatever the whatever the hospital bills are and the medical bills, 620 00:48:38.719 --> 00:48:43.719 how about this. Why would an attorney take that? Then why would 621 00:48:43.719 --> 00:48:47.159 someone like you take that? Or can you go after is part of the 622 00:48:47.159 --> 00:48:51.599 cost of legal fees or how does that work? Well? John just said 623 00:48:52.159 --> 00:48:55.079 if it was the first dog by one of the strategies is taking it as 624 00:48:55.079 --> 00:49:00.760 a premises liability case. John, Right, Yeah, what I said was 625 00:49:00.840 --> 00:49:02.679 the statue doesn't offer you a lot of relief. And when I say the 626 00:49:02.719 --> 00:49:07.519 first bite's free, I don't mean that it's free. But since you can 627 00:49:07.559 --> 00:49:12.400 only recover out of pocket expenses, there's not a tremendous motivation for going and 628 00:49:12.440 --> 00:49:15.880 doing it, particularly if the health insurance company you know, demands subregation and 629 00:49:15.920 --> 00:49:19.800 once can get paid back. There's just not a lot of incentive to go 630 00:49:19.840 --> 00:49:23.199 do it. But there are other ways to go about skinning the cat here, 631 00:49:23.360 --> 00:49:28.000 and and one of those is to pursue it as a premises liability. 632 00:49:28.119 --> 00:49:30.920 But Tim, you have to have the facts that that give rise to an 633 00:49:31.079 --> 00:49:37.679 argument that the dog was a dangerous condition of the property. And and I'm 634 00:49:37.719 --> 00:49:42.079 not being flipping about that, but you have to have something to go on, 635 00:49:42.239 --> 00:49:46.840 right right, I'm telling attorney's out there that don't know anything about dog 636 00:49:46.880 --> 00:49:51.880 bite cases and see the picture of your daughter's face and think, boom, 637 00:49:51.960 --> 00:49:54.480 this is the case I've been waiting on. I'm going to make a gazillion 638 00:49:54.559 --> 00:50:00.679 dollars. And I'm not telling you that the homeowner's insurance won't throw own money 639 00:50:00.719 --> 00:50:02.840 at that, just based on the fact that it's a kid. But how 640 00:50:02.840 --> 00:50:07.599 does he even get how does he even get the economic damages right now? 641 00:50:08.039 --> 00:50:14.119 And even a small settlement if the homeowners won't tell him who the insurance is 642 00:50:14.920 --> 00:50:19.360 to him. Okay, so when once you file a suit, you don't 643 00:50:19.679 --> 00:50:22.280 you don't have to go through with it, but you you file a suit 644 00:50:22.280 --> 00:50:27.840 for economic damages? Yep, how much are Dennis? Do you guys? 645 00:50:27.920 --> 00:50:31.280 Have economic damages at this point. One question, do you had the stitches? 646 00:50:31.400 --> 00:50:35.519 And Dennis, I'm asking out of pocket? What do you have? 647 00:50:37.239 --> 00:50:43.239 You know, you know, a deductible going to the er? Really that 648 00:50:43.400 --> 00:50:46.480 was it? What about the plastic surgery would they be on would they be 649 00:50:46.519 --> 00:50:52.840 on the hook for plastic surgery to correct it? John, Yes, Well, 650 00:50:52.960 --> 00:51:00.280 Dennis, that could be a lot of money. Yeah, okay, 651 00:50:58.559 --> 00:51:02.960 so we put together you know, eight or ten thousand dollars, maybe fifteen 652 00:51:04.039 --> 00:51:07.000 if you had plastic surgery on there as well. I mean you can get 653 00:51:07.119 --> 00:51:12.760 you can get a high enough figure to get, you know, procedurally into 654 00:51:12.960 --> 00:51:15.440 the district court or certainly into the county court. But I'm just telling you 655 00:51:15.519 --> 00:51:21.079 people that won't give you that information usually it just shows that they're pretty damn 656 00:51:21.079 --> 00:51:24.159 ignorant about the process, because you know, as soon as a lawsuit gets 657 00:51:24.159 --> 00:51:29.920 filed, they'll be clamoring to get their insurance involved because that's how they get 658 00:51:29.920 --> 00:51:32.519 a defense lawyer. That's that's going to be on their guy. And it's 659 00:51:32.559 --> 00:51:37.199 a duty of theirs to let their insurance company know, John, this is 660 00:51:37.239 --> 00:51:39.960 serious. So I want to ask a question. Most attorneys won't take this 661 00:51:40.119 --> 00:51:45.639 on contingency, because we're talking about fifteen maybe twenty with Plassenger, who knows. 662 00:51:45.800 --> 00:51:49.159 But here's what I want to know. What would it cost do you 663 00:51:49.239 --> 00:51:52.480 think for him to get on an attorney just to file the suit so he 664 00:51:52.559 --> 00:51:58.599 can get the information? You know? The problem with that, I mean, 665 00:51:58.639 --> 00:52:01.320 if you want somebody to go, you know, draft a pleading, 666 00:52:01.440 --> 00:52:06.559 that's something entirely you know, separate. But no attorney is going to sign 667 00:52:06.639 --> 00:52:09.559 on just for the limited purpose of filing the lawsuit, because then you have 668 00:52:09.679 --> 00:52:14.159 to seek permission of the court to get out of the Oh. So that's 669 00:52:14.199 --> 00:52:16.199 that's kind of the deal. Once we're in, we're in until the end. 670 00:52:16.880 --> 00:52:21.679 And so I mean, listen, it's one of those things that it's 671 00:52:21.760 --> 00:52:24.920 just terrible. I hate the dog bite law in Colorado. There are different 672 00:52:25.000 --> 00:52:30.559 rules in different states that this case would be worth an absolute fortune with a 673 00:52:30.679 --> 00:52:35.679 child with with injuries to her face. But Colorado, because we have a 674 00:52:35.679 --> 00:52:40.440 long history of thinking that anything tort related is bad and we must, you 675 00:52:40.480 --> 00:52:46.000 know, we must pass laws to protect your your you know, protective citizens 676 00:52:46.039 --> 00:52:52.039 from uh these these over zealous lawsuits or whatever the reality is. But but 677 00:52:52.119 --> 00:52:55.320 they're just bad. They're bad for consumers. It's no different than the ballid 678 00:52:55.400 --> 00:53:00.519 issue we have coming up this year on the caps that we haven't Colorado. 679 00:53:00.360 --> 00:53:06.800 Our legislature thinks they're smarter than the average jurity when it comes to figuring out 680 00:53:06.880 --> 00:53:09.760 what a case is worth. And we've been doing that and accepting that for 681 00:53:09.840 --> 00:53:14.719 thirty something years. It's time to change it right now, and we have 682 00:53:14.760 --> 00:53:17.079 an opportunity coming. We have to take this break. But Dennis, I 683 00:53:17.079 --> 00:53:20.920 don't know if you're going to get an attorney to file even a lawsuit, 684 00:53:20.920 --> 00:53:22.360 even if you want to pay him. I mean, I don't think. 685 00:53:23.679 --> 00:53:29.400 I don't know if there is a way to compel those people to give their 686 00:53:29.400 --> 00:53:32.880 insurance up. I don't know. I mean without a lawsuit? Does he 687 00:53:34.000 --> 00:53:37.800 do it himself? John? What does he do? You absolutely could do 688 00:53:37.880 --> 00:53:42.400 it yourself. And if you're in the county court level, if your bills 689 00:53:42.400 --> 00:53:45.800 are hire enough to get into that. The very first thing in their twenty 690 00:53:45.800 --> 00:53:49.719 six A one disclosures that have to be filed thirty days after the answer gets 691 00:53:49.719 --> 00:53:54.400 filed. The last section of that form is identify any insurance policies that would 692 00:53:54.400 --> 00:53:59.679 be available to satisfy these damages they had. Dennis, maybe that's what you 693 00:53:59.719 --> 00:54:01.159 want to do, and maybe you just want to hire an attorney as a 694 00:54:01.159 --> 00:54:05.559 consultant to help you fill it out and maybe not take the actual case and 695 00:54:05.639 --> 00:54:13.599 represent you. I gotta run, we gotta take this break. Go with 696 00:54:13.679 --> 00:54:16.840 a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay a 697 00:54:16.920 --> 00:54:24.119 cent until you're content. Time for an insurance check up free, no obligation 698 00:54:24.280 --> 00:54:30.880 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 699 00:54:30.880 --> 00:54:34.199 out now three oh three seven seven to one help. You'll think you're his 700 00:54:34.360 --> 00:54:37.360 only customer when you choose Frank durand the real estate Man dot com to list 701 00:54:37.400 --> 00:54:42.800 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 702 00:54:45.840 --> 00:54:53.159 Listen, Hi, Tom Martino, your trouble shooter three oh three seven one 703 00:54:53.239 --> 00:54:59.239 three talk three oh three seven one three eight two five five. Are we 704 00:54:59.360 --> 00:55:04.079 positive that that's the number, that's the one Julie gave me? Yes? 705 00:55:04.519 --> 00:55:13.320 Okay, all right, So basically that number claims they're with the sheriff's department. 706 00:55:13.840 --> 00:55:17.320 It doesn't come up as a sheriff's department number at all. And Julie 707 00:55:17.840 --> 00:55:22.719 when they first left a message for you. What did they say? He 708 00:55:22.880 --> 00:55:29.119 said, this is sorry, let me try to go to the message without 709 00:55:29.159 --> 00:55:35.480 hanging up. Deputy Callaway, is it? I said, this is Martin 710 00:55:35.519 --> 00:55:38.039 Callaway with the Jefferson County Sheriff's Office. You need to call me back. 711 00:55:38.440 --> 00:55:43.960 I want you to call me back at the extension four nine eight. And 712 00:55:44.000 --> 00:55:49.320 they said the extension number again. Okay, so I'm going to do that 713 00:55:49.440 --> 00:55:55.840 right now. Let's see what happens. Let's see. Do you hear anything 714 00:55:58.000 --> 00:56:02.159 disconnected? Right away? Hold on? Let's try that again. I tried 715 00:56:02.280 --> 00:56:09.559 hold on. I don't it's not going it just it doesn't go through. 716 00:56:10.400 --> 00:56:14.679 Did did it go through when you didn't try calling back? Or you did? 717 00:56:15.039 --> 00:56:19.280 Yeah? I called back. Yeah. Let mean, I don't know 718 00:56:19.320 --> 00:56:23.679 why mine is not going through. It's three oh three five zero two two 719 00:56:23.760 --> 00:56:28.639 eight seven six. I don't think that's right. Just a second, let 720 00:56:28.679 --> 00:56:30.920 me try to Yeah, that's right. I didn't think it was either, 721 00:56:30.039 --> 00:56:34.400 So thank you very much for checking that, because I was told that was 722 00:56:34.440 --> 00:56:37.559 the number. Yeah. I think I think that's close, but I don't 723 00:56:37.599 --> 00:56:38.800 think that's it. I don't know. If I a second, let me 724 00:56:38.840 --> 00:56:42.280 sure if I can go back in there. Yeah, I'm going to tell 725 00:56:42.280 --> 00:56:44.199 you what. I'm going to put you on hold again. We'll see, 726 00:56:44.280 --> 00:56:47.239 We'll try it one more time. Three O three seven one three talk seven 727 00:56:47.239 --> 00:56:50.639 one three eight two five five. I asked them to double check that. 728 00:56:50.760 --> 00:56:54.000 They said they did, so, thank you. Now, Patty's got a 729 00:56:54.079 --> 00:56:58.360 comment on the dog bite. Go ahead, Patty, what is your comment? 730 00:56:59.760 --> 00:57:04.239 Yeah, I caught the just the middle part of that dog bite. 731 00:57:04.559 --> 00:57:07.239 Years ago, I was bitten by a dog as well. I was meeting 732 00:57:07.280 --> 00:57:14.800 with a client at their home. I'm in Colorado Springs in El Paso County, 733 00:57:14.920 --> 00:57:20.639 so they actually don't live within the city part. So anyways, lung 734 00:57:20.639 --> 00:57:24.360 story short. I always tell my clients when I meet with them to please 735 00:57:24.400 --> 00:57:31.599 put their pets away. They had held onto their dogs. When I got 736 00:57:31.639 --> 00:57:37.800 out of the car, one of them nipped at me. And I have 737 00:57:37.840 --> 00:57:39.519 a friend who worked for CSPD, and she said, you've got to call 738 00:57:39.679 --> 00:57:45.559 El Paso County. I reported it. They got a ticket for dangerous animals. 739 00:57:46.320 --> 00:57:52.039 I requested their homeowners insurance because I had puncture wounds that ended up getting 740 00:57:52.079 --> 00:57:57.960 infected. I requested their homeowners insurance filed a claim. They ended up canceling 741 00:57:58.000 --> 00:58:01.679 the claim. I did my own due diligence, looked online on how to 742 00:58:01.679 --> 00:58:14.519 file a claim for them for how to get reimbursed for my medical expenses after 743 00:58:14.599 --> 00:58:21.679 they closed out their homeowners and as your attorney that you use online or for 744 00:58:21.800 --> 00:58:25.760 your show mentioned on getting reimbursed and all that they refused to pay me for 745 00:58:25.840 --> 00:58:34.199 my medical I did not have insurance, so I didn't have to file anything 746 00:58:34.239 --> 00:58:37.280 with the DA somehow. And I can't remember because this was about fifteen years 747 00:58:37.280 --> 00:58:45.360 ago that she got involved and so they had to go to court. Now 748 00:58:45.480 --> 00:58:51.280 bear with me, because I'm trying to remember back then the I was able 749 00:58:51.360 --> 00:58:55.000 to get and I believe, and you're gonna have to bear with me here. 750 00:58:55.039 --> 00:58:59.760 I believe I was able to get a personal injury attorney because, like 751 00:58:59.760 --> 00:59:05.719 I say, I was able to do the paperwork and as your attorney mentioned 752 00:59:05.719 --> 00:59:07.719 on all that kind of stuff, I did all that stuff by myself and 753 00:59:07.760 --> 00:59:12.880 got an attorney to check everything. I believe I paid him like a thousand 754 00:59:12.960 --> 00:59:17.159 dollars and again, and what did you end up getting? I did end 755 00:59:17.239 --> 00:59:22.199 up getting a settlement. He tried to contact me, this client to try 756 00:59:22.239 --> 00:59:27.719 to settle out of court, but my attorney as well as everybody knows you 757 00:59:27.719 --> 00:59:32.760 don't talk to him. He ended up getting a fine. The DA contacted 758 00:59:32.800 --> 00:59:38.760 me and asked me what I wanted done as far as this person, and 759 00:59:38.840 --> 00:59:42.679 I said, and I'm not an animal lover, but I don't want anything 760 00:59:42.719 --> 00:59:45.400 to happen to animals either. Yeah, And I said, it's not the 761 00:59:45.440 --> 00:59:52.119 dog's fault, it's his fault, and he said, he called me back. 762 00:59:52.360 --> 00:59:57.599 The person was fined. They had to put a chip into this animal, 763 00:59:57.760 --> 01:00:01.119 they had to the Humane Society had monitor this animal. Ended up being 764 01:00:01.159 --> 01:00:07.639 that the animal was a rescue from an abused home and so he had to 765 01:00:07.639 --> 01:00:13.199 be closely monitored. And so I did get a settlement from this person. 766 01:00:13.920 --> 01:00:19.760 Yeah, and homeowner's insurance was somehow notified. So, like I said, 767 01:00:19.760 --> 01:00:23.039 I missed the beginning of what happened to this poor little girl. And so 768 01:00:23.159 --> 01:00:30.840 I would imagine that somehow their homeowners will be notified in Colorado from my understanding, 769 01:00:30.920 --> 01:00:36.239 lest the rules have changed. They and I didn't hear what type of 770 01:00:36.280 --> 01:00:40.480 dogs bit her, but in my case, it was and I always mixed 771 01:00:40.480 --> 01:00:44.719 this up. It was a whimer wrinder that are supposed to be friendly, 772 01:00:44.760 --> 01:00:47.960 but you know what. That's good though, because what you said was you 773 01:00:50.800 --> 01:00:55.559 basically said that you can pursue this on your own and be successful, and 774 01:00:55.599 --> 01:01:00.599 that's the bottom line. So that's pretty cool. Three o three seven one 775 01:01:00.639 --> 01:01:09.639 three talks seven one three eight two five five Go with a sure thing Denver's 776 01:01:09.679 --> 01:01:15.039 Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 777 01:01:17.400 --> 01:01:21.599 Time for an insurance check up free, no obligation. In comparison, 778 01:01:21.719 --> 01:01:25.840 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 779 01:01:25.840 --> 01:01:30.400 now three oh three seven seven to one help. You'll think you're his only 780 01:01:30.480 --> 01:01:34.320 customer when you choose Frank durand the real estate Man dot com to list your 781 01:01:34.360 --> 01:01:39.599 home with Remax Alliance three oh three nine two zero sixteen twenty two. You 782 01:01:39.599 --> 01:01:45.880 know I'm gonna try this again. I'm gonna call this so called sheriff's department 783 01:01:46.719 --> 01:01:53.159 see if I can get through on this line. It was they're calling people 784 01:01:53.280 --> 01:02:15.159 saying to call back sounds like a scam. To me, leave a message 785 01:02:15.159 --> 01:02:22.880 after the beef, I'm looking for deputy callaway. Please can you call me 786 01:02:23.000 --> 01:02:31.960 back? Three oh three six' two seven eight four six six well, 787 01:02:36.079 --> 01:02:39.119 yeah, I just don't think that we're going to get through to this guy. 788 01:02:39.400 --> 01:02:45.800 You got right through, Julie, Oh yeah I did. Huh. 789 01:02:45.840 --> 01:02:49.079 I kind of kind of got a little angry with him though. Maybe he's 790 01:02:49.440 --> 01:02:53.159 screening his calls. Now, Well, thanks for calling. I'm gonna keep 791 01:02:53.159 --> 01:02:55.840 trying it. But man, I'm telling you you you bring up a good 792 01:02:55.840 --> 01:02:59.840 point. I'm glad we had a refresher course on it, and that is 793 01:03:00.360 --> 01:03:02.880 the Sheriff's department is never going to call you. Okay, there's just not 794 01:03:05.000 --> 01:03:13.280 How easy is that? Now, Chuck? What is your issue with Midas? 795 01:03:13.880 --> 01:03:17.760 Hey, Chuck, what's going on? You helped me a long time 796 01:03:17.800 --> 01:03:22.280 ago, so I really appreciate what you did. What was the I'm just 797 01:03:22.320 --> 01:03:29.960 out of curiosity. What was that problem? I had a skylire car. 798 01:03:30.480 --> 01:03:37.880 I took it into my h to NAPA on and the mechanic he kept it 799 01:03:37.960 --> 01:03:43.519 forever. How long ago was that, Chuck? Oh my god, you 800 01:03:43.559 --> 01:03:47.880 know I was thinking about it. It's like over twenty years ago. So 801 01:03:50.000 --> 01:03:53.519 you took it to I was just curious because sometimes it sparks a memory. 802 01:03:53.960 --> 01:03:59.599 Was it one I took on the air? No? No, no, 803 01:03:59.599 --> 01:04:03.400 no, So yesterday when I called it. I talked to Kelly and said 804 01:04:03.519 --> 01:04:09.159 that I could talk to you on your podcast. Okay, so what's going 805 01:04:09.199 --> 01:04:15.599 on with this Midas. I took this car that I inherit from my folks, 806 01:04:15.400 --> 01:04:21.800 and the breaks were not worse. It was like I didn't have breaks 807 01:04:21.800 --> 01:04:26.440 and I was getting rolled. What tell me about the year making model. 808 01:04:27.360 --> 01:04:32.639 It's a two thousand and three Saturn? Okay? And you took the Saturn 809 01:04:32.679 --> 01:04:40.199 to Midas, Yes, and they did a free estimation free and they would 810 01:04:40.599 --> 01:04:45.559 do, you know, a thorough job finding what's needed? I told him, 811 01:04:45.599 --> 01:04:48.519 yeah, man, I even brought up this my the serpent Yes. 812 01:04:48.599 --> 01:04:56.639 So what did they find? They said, uh, that knew there was 813 01:04:56.760 --> 01:05:00.280 numerous things. It ended like two thousand dollars that I can't do this, 814 01:05:00.400 --> 01:05:04.079 and then so I picked the ones I want to need it. I said, 815 01:05:04.159 --> 01:05:12.280 the disc brakes, can you check the pads and and do the serpentine 816 01:05:12.719 --> 01:05:16.079 and I'll do the brake flush. And they had already given me an estimation 817 01:05:16.199 --> 01:05:20.199 on that that was like a total of four hundred. Okay, so hold 818 01:05:20.280 --> 01:05:25.960 on, Chuck, let's get to that part. So you chose to basically 819 01:05:25.960 --> 01:05:31.440 have the brakes done and a flush. Yes, Okay, now the brakes 820 01:05:31.800 --> 01:05:35.840 the break. What are you having problems with the brakes or the flush? 821 01:05:38.719 --> 01:05:45.440 And now just it's the heat. When I left the car, and then 822 01:05:45.480 --> 01:05:49.039 he called me up a few hours later and he said, your brakes and 823 01:05:49.079 --> 01:05:56.159 your your brake pads in the back rear and my front disc brakes were fine. 824 01:05:56.760 --> 01:06:01.599 But the drums in the back, we're like rusty, worn out. 825 01:06:02.000 --> 01:06:06.159 And at that point she said, we have to take that and we have 826 01:06:06.280 --> 01:06:12.800 to uh what was the spin the drums or something? Yeah, you got 827 01:06:12.840 --> 01:06:15.559 to put them on the lace. So what happened? He said, But 828 01:06:16.760 --> 01:06:20.880 the drums could break? I know, I know it because they're old. 829 01:06:20.920 --> 01:06:25.719 We get it. So go to the park where they did they break or 830 01:06:25.719 --> 01:06:32.000 what? No? No, no, He called me up like two hours 831 01:06:32.079 --> 01:06:39.280 later he said, everything, the drums are, we didn't break. We 832 01:06:39.559 --> 01:06:45.000 got them on. We cleaned that da da da, and hed come come 833 01:06:45.039 --> 01:06:48.880 and pick it up. And at that point, I says, you have 834 01:06:48.920 --> 01:06:56.199 a finance payment plan here, and we got that set up with Snap Finance. 835 01:06:56.239 --> 01:06:59.000 How much let me ask you something, Chuck, how much was this 836 01:06:59.199 --> 01:07:06.639 all going to cost? What I set agreement with for four hundred and some 837 01:07:06.679 --> 01:07:14.119 bucks? Okay? And I got and it cleared with the finance companies. 838 01:07:14.159 --> 01:07:19.880 I can make three payments in one hundred days, so okay, and I 839 01:07:19.920 --> 01:07:24.079 took the car and I felt the car felt good. I said, well, 840 01:07:24.599 --> 01:07:29.800 this is so good, and it just got it started. I couldn't 841 01:07:29.800 --> 01:07:33.679 go over thirty or thirty five miles per hour. I put the brake. 842 01:07:33.719 --> 01:07:35.840 Okay, here's what I want to do. If you can do me a 843 01:07:35.880 --> 01:07:42.719 favor, tell me what the problem is today. It's work, like I 844 01:07:42.760 --> 01:07:45.679 told the system manager. Took the car back and I said, it's feel 845 01:07:46.000 --> 01:07:49.480 worse than I did before. All right, hold on, we'll come right 846 01:07:49.480 --> 01:07:53.599 back to you. Chuck. Now, I understand you spent that money. 847 01:07:53.599 --> 01:07:56.159 You got to make payments. You're wondering what the hell is going on with 848 01:07:56.199 --> 01:07:59.400 this? By the way, Genesis Total Exteriors dot com. Did you hear 849 01:07:59.480 --> 01:08:02.119 them? They have all the new and latest technologies, including smog eating roof 850 01:08:02.440 --> 01:08:09.679 and they have this paint that does no outgassing. And it's all at Genesis 851 01:08:09.800 --> 01:08:18.680 Tootalexteriors dot com. Go with a sure thing Denver's best roofer Excel Roofing dot 852 01:08:18.720 --> 01:08:26.399 Com. You don't pay a cent until you're content. Time for an insurance 853 01:08:26.479 --> 01:08:30.800 check up free, no obligation comparison call Compass Insurance paying too much your coverage 854 01:08:30.800 --> 01:08:34.439 at dozens of insurance companies find out now three oh three, seven to seven 855 01:08:34.439 --> 01:08:39.199 to one help. You'll think you're his only customer when you choose Frank durand 856 01:08:39.199 --> 01:08:43.680 the real estate man dot com to list your home with Remax Alliance three oh 857 01:08:43.680 --> 01:08:57.199 three nine two zero sixteen twenty two. Hi Tom Martino here three three seven 858 01:08:57.279 --> 01:09:01.680 one three talk. So Chuck has a problem with Midas. He took his 859 01:09:01.760 --> 01:09:05.560 two thousand and three Saturn to Midas free estimate for two grand. He couldn't 860 01:09:05.600 --> 01:09:09.359 do it, but he said for four hundred. He's going to do the 861 01:09:09.359 --> 01:09:15.239 break thing through staff financing. Now he is the problem because he says it's 862 01:09:15.279 --> 01:09:17.880 worse than ever. Are you saying there's no improvement in your brakes? Chuck? 863 01:09:19.000 --> 01:09:23.479 No, there's no no improvement. What do they say about that? 864 01:09:23.600 --> 01:09:27.079 They have a warranty? What do they say about that? Well, when 865 01:09:27.079 --> 01:09:30.680 I went back to him, I said check can you? He said, 866 01:09:30.720 --> 01:09:34.000 what's going on with the car? And I said it's And I gave him 867 01:09:34.039 --> 01:09:39.119 the same Chuck. Let's get to the part where he gave you an answer. 868 01:09:39.159 --> 01:09:45.680 What did he say for another seven hundred dollars it would cost it for 869 01:09:46.439 --> 01:09:50.520 new drums and new pads. Now, hold on, but he just did 870 01:09:50.560 --> 01:09:59.000 a break job for you. Why will it require another seven hundred dollars because 871 01:09:59.840 --> 01:10:06.000 he he just spin the drums. He said the brakes and the disc brakes 872 01:10:06.039 --> 01:10:12.319 and the pads were fine, and he did a spin on it on it, 873 01:10:12.760 --> 01:10:23.119 and now he has to replace with new drums and some pads. Yeah. 874 01:10:23.199 --> 01:10:26.840 Yeah, But what I'm saying is they should at least give you some 875 01:10:27.000 --> 01:10:30.920 credit for the old work they did if it did not help you at all. 876 01:10:30.520 --> 01:10:32.560 I mean, here's what I want to do. I want to give 877 01:10:32.560 --> 01:10:38.000 this to Deputy Doc to call and to see what he can do to help 878 01:10:38.039 --> 01:10:41.159 you. So hang on, okay, we're gonna call over there and see 879 01:10:41.159 --> 01:10:44.560 what the hell's going on. Three oh three seven, one, three eight, 880 01:10:44.640 --> 01:10:50.760 two five five more coming up. Go with a sure thing Denver's Best 881 01:10:50.840 --> 01:10:55.840 roofer Excel Roofing dot com. You don't pay a cent until you're content. 882 01:10:59.239 --> 01:11:03.520 Time for Anturan check up, free no obligation comparison call Compass insurance paying too 883 01:11:03.600 --> 01:11:08.840 much your coverage at dozens of insurance companies find out now three all three seven 884 01:11:08.960 --> 01:11:12.399 seven to one. Help. You'll think you're his only customer when you choose 885 01:11:12.399 --> 01:11:15.840 Frank durand the real estate man dot com to list your home with Remax Alliance 886 01:11:16.079 --> 01:11:29.119 three all three nine two zero sixteen twenty two. Yeah, d need it 887 01:11:29.479 --> 01:11:35.760 so you don't have come. Run in as fast as we can. Shooter's 888 01:11:35.840 --> 01:11:43.880 gonna help come man. Six is the Troubleshooter Show. Now Tom Martino, 889 01:11:45.159 --> 01:11:48.279 Hi, Tom Martino here, Welcome to the show. Three oh three seven 890 01:11:48.319 --> 01:11:54.199 one three talks seven one three eight two five five love doing the show. 891 01:11:54.239 --> 01:11:58.119 Thank you for being here. Waterpros dot net can do a whole house water 892 01:11:58.159 --> 01:12:01.640 purification, softening and contioning system around three thirty four hundred dollars. You can 893 01:12:01.680 --> 01:12:04.000 go higher if you want, depending on what you want to add. But 894 01:12:04.039 --> 01:12:08.239 here's the bottom line, the best water ever, the lowest price. That's 895 01:12:08.279 --> 01:12:11.359 it. If you go comparable to a normal plumbing company, you're going to 896 01:12:11.399 --> 01:12:15.560 pay fifteen grand. No matter what, you're going to save money. Three 897 01:12:15.640 --> 01:12:18.560 oh three eight six two five, five five four. Now back to the 898 01:12:18.600 --> 01:12:24.199 phones. We got a lot going on. We got compass insurance with us. 899 01:12:24.239 --> 01:12:28.000 Say here's one thing I want to ask and I'll go to the wide 900 01:12:28.000 --> 01:12:30.039 shot here Brian Burns, Compass Insurance. I'll go right to the phones. 901 01:12:30.039 --> 01:12:33.159 Please get your calls in three oh three, seven to one three talks seven 902 01:12:33.199 --> 01:12:36.920 one three eight, two five five or three oho three Martino, that's good 903 01:12:36.960 --> 01:12:42.479 twenty four to seven. If you're listening to a podcast, Brian, premium 904 01:12:42.600 --> 01:12:45.479 increases. I ask for texts at five seven, seven, three nine. 905 01:12:45.479 --> 01:12:49.680 Put Tom in the in the title. People are complaining about the same thing. 906 01:12:49.680 --> 01:12:53.760 And that is why our insurance rates going up. And I think it's 907 01:12:53.800 --> 01:12:57.720 because of all the storms, right bottom line, go ahead, Yeah, 908 01:12:57.800 --> 01:13:01.359 last year specifically, and it's been a bad had a few years for Colorado, 909 01:13:01.800 --> 01:13:08.199 but last year was one of the worst hail seasons that that Colorado has 910 01:13:08.359 --> 01:13:11.279 seen. So yeah, insurance companies, there's a lot of them that shut 911 01:13:11.319 --> 01:13:15.600 down new business last year. So what are the average rate increases? Oh 912 01:13:15.600 --> 01:13:19.319 my gosh, I would say most the ones that we see coming in, 913 01:13:19.359 --> 01:13:24.439 I would say are in excess to twenty percent. God, some are I've 914 01:13:24.439 --> 01:13:28.600 seen them, you know, without acclaim. I've seen them going up sixty 915 01:13:28.640 --> 01:13:32.279 percent. Oh my god. Yeah, there's the rates are going up, 916 01:13:32.319 --> 01:13:35.479 and the problem is, uh, you know, let's say you take a 917 01:13:35.520 --> 01:13:40.439 twenty percent rate increase. We're shopping around, We're contacting our customers and saying, 918 01:13:40.439 --> 01:13:42.960 hey, your rate's going up twenty percent. Here's what's going on. 919 01:13:43.800 --> 01:13:45.880 A lot of times we can't find a better deal. It's still the best 920 01:13:45.920 --> 01:13:49.800 deal after unless you're really wanting to cut coverage, and you can. You 921 01:13:49.880 --> 01:13:54.439 can cut coverage and get your costs down if you want to. You don't 922 01:13:54.479 --> 01:13:57.560 want to do that, no, but we give people the option because you 923 01:13:57.560 --> 01:14:01.079 know, when you say when you say cute, don't you don't mean cut 924 01:14:01.119 --> 01:14:04.760 the value under to what it should be. No, I mean more of 925 01:14:05.239 --> 01:14:10.079 much higher deductibles or root. It's really where your premium is coming in. 926 01:14:10.439 --> 01:14:14.239 Why it's going up roofs, that's it. It's it's hail. It's it's 927 01:14:14.319 --> 01:14:16.640 wind in hail in Colorado. So if you take a higher deductible for that, 928 01:14:16.720 --> 01:14:19.560 you could pretty much be normal. Yeah. Or let's say, you 929 01:14:19.600 --> 01:14:21.840 know, we're letting them know, Hey, you know what you've got right 930 01:14:21.880 --> 01:14:27.359 now. We have carriers that do uncapped replacement cost that is almost impossible to 931 01:14:27.359 --> 01:14:30.359 find now. And so even with the carriers that offer it that we have, 932 01:14:30.880 --> 01:14:33.039 some of them won't do it anymore. And so we always tell people 933 01:14:33.119 --> 01:14:36.960 listen, we can move you, but you're going to lose that is is 934 01:14:36.960 --> 01:14:41.239 that important to you? Do you do you really want that? Or you 935 01:14:41.319 --> 01:14:43.880 know, if they go get a quote in the market, they're probably getting 936 01:14:43.920 --> 01:14:45.840 actual cash value on the roof and we just say, hey, we can 937 01:14:45.920 --> 01:14:49.520 do that if you want it. It will lower rates. But is that 938 01:14:50.039 --> 01:14:53.119 So you got to find out what people want to do. Do they want 939 01:14:53.159 --> 01:14:56.600 to take on more of the risk and get their rates down or would they 940 01:14:56.680 --> 01:15:00.439 rather pay a higher rate and have you know, better coverage. All right, 941 01:15:00.479 --> 01:15:05.039 so that's the insurance checkup we're doing. Maybe you're paying too much unnecessarily, 942 01:15:05.560 --> 01:15:10.000 maybe not. Maybe you can have better coverage cheaper or for the same 943 01:15:10.119 --> 01:15:13.960 price. Do a free insurance checkup at three h three nine nine six nine 944 01:15:13.960 --> 01:15:19.600 thousand right now. Now, Tim was on yesterday and he this is the 945 01:15:19.640 --> 01:15:25.560 weirdest problem we've seen. And I talked to Deputy Chopper about it, and 946 01:15:25.640 --> 01:15:30.439 here's what happened. The price of this one vehicle he was interested in was 947 01:15:30.560 --> 01:15:33.960 advertised as having a toe package. I just want to say this straight up. 948 01:15:34.399 --> 01:15:43.880 I've done some research on this planet. Hyundai sucks. I wish I 949 01:15:43.880 --> 01:15:47.319 didn't have to say that because the owners aren't bad people. But Planet Hyundai 950 01:15:47.520 --> 01:15:53.279 sucks. They suck. I don't know if it's intentional or not, but 951 01:15:53.319 --> 01:15:59.079 they suck. First of all, their definition of a toe package is alone. 952 01:15:59.159 --> 01:16:03.279 They're the only ones that call a toe package wiring, and not even 953 01:16:03.359 --> 01:16:06.840 complete wiring, just wiring from the front to the back. So if you 954 01:16:06.920 --> 01:16:12.279 ever want to do towing, there's some wiring there. Everyone else in the 955 01:16:12.279 --> 01:16:19.920 industry calls a toe package a hitch, the actual receiver and firing and the 956 01:16:20.000 --> 01:16:29.279 receptacle receptacle. Now that's what ninety nine point of the market calls a tow 957 01:16:29.319 --> 01:16:32.239 package, except Planet Hyundai, because they want to be able to advertise a 958 01:16:32.279 --> 01:16:36.800 toe package on their prices and make people think, oh, that's a great 959 01:16:36.840 --> 01:16:40.880 deal, and they call then they find out, no, you got to 960 01:16:40.920 --> 01:16:45.720 pay another grand for the toe package. So Planet Hyundai is purposely, in 961 01:16:45.800 --> 01:16:59.359 my opinion, misleading consumers. Purposely purposely because even Hyundai itself disagrees with Planet 962 01:16:59.439 --> 01:17:04.199 Hyundai on the definition of a toe package. Now, if that's not bad 963 01:17:04.359 --> 01:17:13.560 enough, Tim called and he said, all right, let's get past the 964 01:17:13.560 --> 01:17:18.960 toe package. I'll just buy it. He was willing to buy it They 965 01:17:19.000 --> 01:17:25.720 wouldn't sell it to him at that price, not even without the toe package. 966 01:17:25.760 --> 01:17:31.600 They told him it was a mistake. So they corrected the price online 967 01:17:32.439 --> 01:17:38.199 and they put it up another thousand dollars. We had someone else call. 968 01:17:39.159 --> 01:17:46.079 They would not sell it for that price. So what is an advertised price 969 01:17:46.159 --> 01:17:50.239 for Planet Hyundai, the so called one stop shop, the one price shop. 970 01:17:50.680 --> 01:17:54.560 It's to get you in the door, and, in my opinion, 971 01:17:54.640 --> 01:17:58.079 to bait and switch you. That's my opinion of Planet Hunting. Now. 972 01:17:58.119 --> 01:18:00.800 When Tim first called, they gave him a hard time, said they wouldn't 973 01:18:00.840 --> 01:18:03.399 do that. They're too nice, too sophisticated. I've been around too long, 974 01:18:03.479 --> 01:18:09.279 sell too many cars. Nope, they do. I'm gonna hope it's 975 01:18:09.319 --> 01:18:13.199 not the ownership, and I don't want to go into why. I'm hoping. 976 01:18:13.319 --> 01:18:16.479 They have some errant managers, supervisors, sales managers, web people. 977 01:18:16.800 --> 01:18:26.640 They suck, and I advise people do not go to Planet Hyundai. Do 978 01:18:26.760 --> 01:18:29.920 not. Okay, there's no two ways about it, because I'm going to 979 01:18:29.960 --> 01:18:33.159 add insult to injury. I wish Deputy Chopper was on, but he's not. 980 01:18:35.119 --> 01:18:39.800 Yesterday, after we started talking about this, the one unit we were 981 01:18:39.840 --> 01:18:45.119 talking about it went from thirty seven something something something to thirty eight something something 982 01:18:45.159 --> 01:18:48.840 something, and after we talked about it on the air, Tim, it 983 01:18:48.920 --> 01:18:57.760 came down to thirty five something something something right right, And then after going 984 01:18:57.800 --> 01:19:03.880 to thirty five something something something, it went back up again to thirty eight 985 01:19:04.000 --> 01:19:09.560 something something something. I think they knew we were talking about it and put 986 01:19:09.560 --> 01:19:12.880 it way low to get phone calls and then put it back up again. 987 01:19:13.000 --> 01:19:15.000 Tim, are you there or not? If not, I got to move 988 01:19:15.000 --> 01:19:19.479 on, Tim, I are you baffled? Are you baffled by this? 989 01:19:21.439 --> 01:19:25.039 I just don't know what to do. Tom, I got it, Well, 990 01:19:25.079 --> 01:19:28.159 just go somewhere else. I wouldn't listen. I wouldn't do business with 991 01:19:28.239 --> 01:19:30.439 him. If these people are this, If these people are this, if 992 01:19:30.479 --> 01:19:35.560 they are this crooked about pricing a car, how can you depend on them 993 01:19:35.600 --> 01:19:42.359 for anything? Well, if I could get the car, buck, I'm 994 01:19:43.359 --> 01:19:45.600 I wouldn't be dealing with them on service or anything. Yeah, but why 995 01:19:45.640 --> 01:19:47.880 don't you just buy it somewhere else? Why do you have to buy it 996 01:19:47.880 --> 01:19:54.319 there? Go to McDonald hunday because it's not as cheap, it's not the 997 01:19:54.359 --> 01:19:58.800 same price. And now, wait, are you telling me? Even when 998 01:19:58.840 --> 01:20:03.800 they flim flamm you and raise the price. It's still cheaper, No, 999 01:20:03.800 --> 01:20:08.479 not that they raise the price. Well, then that's where I'm saying. 1000 01:20:08.600 --> 01:20:14.760 What good is an advertised low price if they won't honor it? Right? 1001 01:20:15.880 --> 01:20:23.720 For Colorado Spurts, that's obviously a lot of that for thirty six thousand something, 1002 01:20:23.840 --> 01:20:29.479 but it includes a ten year, one hundred thousand dollars lord, and 1003 01:20:29.520 --> 01:20:32.479 that sounds fishy to me. Well, did you want us to wait? 1004 01:20:32.760 --> 01:20:40.000 Have you called them? I emailed them and I haven't gotten anything back. 1005 01:20:40.840 --> 01:20:43.640 I don't do well on the phone, Tom, I'm hard of hearing. 1006 01:20:45.279 --> 01:20:49.039 Well, here's what I would do. This is truly what I would do. 1007 01:20:49.079 --> 01:20:55.199 Where do you live? I haven't thought, oh, okay, when 1008 01:20:55.239 --> 01:20:58.079 you said you're far enough away you wouldn't go back. I didn't know what 1009 01:20:58.119 --> 01:21:01.239 you meant. I thought you were out some god forsaken place. You're right 1010 01:21:01.279 --> 01:21:04.880 in Thornton. Oh No, but it's a long Moneys from Thornton over to 1011 01:21:04.960 --> 01:21:14.119 Golden Here's what I want you to do. I would go to JFR Cars, 1012 01:21:14.960 --> 01:21:19.439 but only if you talk to Rodney. He's one of our people over 1013 01:21:19.439 --> 01:21:26.399 there. Now, here's what Rodney will cars. Yep, they're they're a 1014 01:21:26.439 --> 01:21:30.520 dealer. But but they're also brokers. Okay, they don't inventory, they 1015 01:21:30.600 --> 01:21:35.560 source, well, they do inventory some, but what they do is they 1016 01:21:35.760 --> 01:21:45.000 they they will go out and acquire cars as well. Okay, Now when 1017 01:21:45.039 --> 01:21:50.680 you go there or call, I want you to talk to Rodney. And 1018 01:21:50.800 --> 01:21:56.840 here's the phone number. Ready. Oh no, I'm not ready. Well, 1019 01:21:56.880 --> 01:21:59.279 I'm gonna. I'm gonna put you on hold because I don't want to 1020 01:21:59.279 --> 01:22:01.279 do this with everyone. And it doesn't matter. She fur cars is three 1021 01:22:01.359 --> 01:22:05.159 oh three five two zero sixty eight thirty nine. And here's what I want 1022 01:22:05.199 --> 01:22:11.119 to tell you about Rodney. He'll go out and source that car and sell 1023 01:22:11.159 --> 01:22:14.199 it to you, and then he won't put up with all the bs that 1024 01:22:14.239 --> 01:22:16.239 you have to put up with. And I used him one time when I 1025 01:22:16.279 --> 01:22:19.760 was looking for a car, and he cut through the mustard when everyone was, 1026 01:22:20.159 --> 01:22:24.760 you know, charging over invoice and all that crap. He took care 1027 01:22:24.800 --> 01:22:29.279 of me. And that's that's the only way to do it. Thanks Tim. 1028 01:22:29.319 --> 01:22:32.560 Three oh three seven one three eight two five five. People avoid Planet 1029 01:22:32.800 --> 01:22:41.560 Hyundai, Please avoid Planet Hyundai. Jim, you have a question about a 1030 01:22:41.600 --> 01:22:45.319 trust and taxes, Go ahead, Jim, Yeah, but I have his 1031 01:22:45.479 --> 01:22:48.720 U one of the suggestion. UH. Twenty years ago, my mother passed 1032 01:22:48.760 --> 01:22:55.159 away, since she had a trust she left me the beneficiar of For the 1033 01:22:55.199 --> 01:22:58.600 last nineteen years, I've been getting distributions from that trust and it hasn't been 1034 01:22:58.680 --> 01:23:01.239 tacked. Is when my mother money in it, they were taxed at that 1035 01:23:01.279 --> 01:23:08.119 point in time. This year, First Interstate Bank got a new person's doing 1036 01:23:08.159 --> 01:23:11.600 this for them, and they taxed me and all of my I received from 1037 01:23:11.600 --> 01:23:14.920 there, even though it's been taxed by that by the federal government before. 1038 01:23:15.840 --> 01:23:17.560 UH. I have called him a couple of times. I've talked to him, 1039 01:23:17.600 --> 01:23:20.600 and the only answer I get is it's taxble. No reason why. 1040 01:23:20.800 --> 01:23:24.479 No, I want to know, why is it taxable? Well? Hold 1041 01:23:24.520 --> 01:23:28.760 on a second, hold on, Jim, hold on, I'm here. 1042 01:23:29.720 --> 01:23:31.840 I have never heard of a trust where you're not taxed. I've not heard 1043 01:23:31.840 --> 01:23:35.760 of one, so it could be they were making a mistake. But I 1044 01:23:35.800 --> 01:23:40.239 want to I don't want to maybe I'm wrong, So I want to talk 1045 01:23:40.319 --> 01:23:45.640 to one of our estate attorneys and ask him about it, and then maybe 1046 01:23:45.640 --> 01:23:47.159 we have to go to one of our accountants. But but I have another 1047 01:23:47.239 --> 01:23:54.039 question. You said, it's with what bank, First Interstate, So why 1048 01:23:54.079 --> 01:23:59.439 don't you just move it. Well, yeah, but I've got a great 1049 01:23:59.439 --> 01:24:02.640 big tax this year which I'm trying to get resound. Okay, I understand 1050 01:24:02.680 --> 01:24:06.720 that, but we're going to talk about that first. Okay. I want 1051 01:24:06.800 --> 01:24:12.199 you to hang on and we'll get our expert because I don't know enough about 1052 01:24:12.239 --> 01:24:15.399 it to let you know about the tax implications. How much is your tax 1053 01:24:15.439 --> 01:24:19.880 bill? It's going to be an additional three over three thousand dollars thirt eight 1054 01:24:19.920 --> 01:24:25.199 hundred dollars. And what percentage is that? Oh? I have no idea. 1055 01:24:25.239 --> 01:24:28.239 I'd well, let me ask you what tax bracket are you in? 1056 01:24:28.279 --> 01:24:31.279 Do you know what your what is the total income you get gross in the 1057 01:24:31.319 --> 01:24:38.840 past years from that trust? How much a year I've been I've been doing 1058 01:24:38.840 --> 01:24:44.960 about twenty five hundred, twenty five thousand dollars a year. Yes, okay, 1059 01:24:45.079 --> 01:24:48.039 so you're about in a thirty twenty something percent tax bracket. Twenty. 1060 01:24:48.239 --> 01:24:50.880 Well, here's here's what I want to know. Something else I want to 1061 01:24:50.880 --> 01:24:57.079 know, No, not quite twenty. But anyway, what I want to 1062 01:24:57.119 --> 01:25:03.039 know is if you this is an irrevocable trust, right, Yes it is? 1063 01:25:03.640 --> 01:25:09.359 Are you special needs? Know on that? And the reason I ask 1064 01:25:09.560 --> 01:25:13.119 is I wonder why that was left to you that way. Did your mom 1065 01:25:13.199 --> 01:25:18.720 not trust you? I think she was convinced that I might squander the money. 1066 01:25:19.239 --> 01:25:21.479 Okay, Okay, that's what I thought. Okay, hang on and 1067 01:25:21.520 --> 01:25:26.479 we'll get an expert for you. I'm Tom Martino three O three seven to 1068 01:25:26.520 --> 01:25:34.920 one to three talk more coming up. Go with a sure thing Denver's best 1069 01:25:35.000 --> 01:25:40.039 roofer Excel Roofing dot com. You don't pay a cent until you're content. 1070 01:25:43.399 --> 01:25:45.960 Time for an insurance check up free, no obligation. In comparison, call 1071 01:25:46.079 --> 01:25:51.039 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1072 01:25:51.119 --> 01:25:55.399 three O three seven to seven to one help. You'll think you're his only 1073 01:25:55.479 --> 01:25:59.319 customer when you choose Frank Durand the real estate Man dot com to list your 1074 01:25:59.319 --> 01:26:13.319 home with Remax Alliance. Three oh three nine two zero sixteen twenty two. 1075 01:26:14.520 --> 01:26:17.800 Hi Tom Martino, you're a troubleshooter. Three oh three seven one three talk 1076 01:26:17.880 --> 01:26:21.680 three oh three seven one three eight two five five. Welcome to the show. 1077 01:26:23.600 --> 01:26:31.159 Let's continue here. So Brent Keel is with us from Kiel and Park, 1078 01:26:32.119 --> 01:26:38.119 their estate planning attorneys, law KP dot com. I'll give you that 1079 01:26:38.199 --> 01:26:41.319 number later. But Brent, I have a quick question. I don't know 1080 01:26:41.359 --> 01:26:45.560 if it's quick or not. But Kim says his mom left him an irrevocable 1081 01:26:45.600 --> 01:26:51.279 trust and he gets income from Okay, yep, and it's at a bank, 1082 01:26:51.920 --> 01:26:59.000 and for years he's been getting twenty five thousand a year. This year 1083 01:26:59.079 --> 01:27:03.600 for the first time or for the pet tax here twenty twenty three the Jim, 1084 01:27:03.760 --> 01:27:08.720 let me get this straight before I tell Brent and he can listen. 1085 01:27:09.720 --> 01:27:15.159 It's a tax bill, Is that what they said? Yeah, it was 1086 01:27:15.199 --> 01:27:19.319 a K one form that they sent me, and they had there's additional money 1087 01:27:19.439 --> 01:27:24.600 I've been receiving all year long. No, No, on the K one 1088 01:27:25.319 --> 01:27:30.279 does it specify because k ones don't specify the tax that you owe. No, 1089 01:27:30.359 --> 01:27:35.000 So it's the income that they say that I'm receiving. Well, you 1090 01:27:35.079 --> 01:27:41.720 are receiving the income, I am. Okay, So I thought you told 1091 01:27:41.760 --> 01:27:47.439 me that They claimed you have to start paying taxes on the income. So 1092 01:27:47.600 --> 01:27:55.479 I've been paying tax on the income distribution out of the trust fund itself, 1093 01:27:55.800 --> 01:27:58.840 out of the principle of the trust fund. Okay, Jim, let me 1094 01:27:58.880 --> 01:28:01.479 ask you this then. So I got it wrong. So for years you've 1095 01:28:01.479 --> 01:28:06.119 been taking twenty five thousand a year and you've been paying normal income tax. 1096 01:28:06.199 --> 01:28:11.359 Is that right? That's right? Okay, I'm sorry, I misunderstood. 1097 01:28:12.479 --> 01:28:17.119 I get it. But this year or in tax year twenty twenty three, 1098 01:28:18.279 --> 01:28:24.560 in addition to the normal income tax you paid, they are now telling you 1099 01:28:25.239 --> 01:28:30.680 there's an additional distribution from the principle. That is correct, and you have 1100 01:28:30.760 --> 01:28:34.800 to pay tax on that distribution. Ye, that is correct? Yes, 1101 01:28:35.039 --> 01:28:40.079 okay, I am not sure. Now that's a whole different thing that I 1102 01:28:40.159 --> 01:28:44.199 understood. Brent. Do you understand why this is happening or should we talk 1103 01:28:44.239 --> 01:28:46.960 to an accountant on that one? You know, it could be a number 1104 01:28:47.000 --> 01:28:51.159 of different things. You know, working with an account would ultimately makes sense 1105 01:28:51.199 --> 01:28:54.479 to help with the filing on it, but it could be a number of 1106 01:28:54.479 --> 01:28:59.479 different things. When your trust is an errorvocable trust, it sounds like yours. 1107 01:28:59.560 --> 01:29:04.119 Is that trust has an obligation. You know, it has its own 1108 01:29:04.199 --> 01:29:08.720 tax identification number, has the file with the RS, and has an obligation 1109 01:29:08.840 --> 01:29:13.560 to pay tax on the income the trust generates. Now, if they distribute 1110 01:29:13.600 --> 01:29:17.079 that income out to you, it's called distributable net income. It goes out 1111 01:29:17.119 --> 01:29:20.520 to the beneficiary. Then the beneficiary is the one that pays the tax on 1112 01:29:20.600 --> 01:29:24.600 that income. And it sounds like that's what's been happening for a lot of 1113 01:29:24.680 --> 01:29:30.119 years. Usually doesn't paying the tax on the income that it's been receiving the 1114 01:29:30.159 --> 01:29:33.960 dividends and the interest. Yeah, okay, that's exactly what I would be 1115 01:29:34.199 --> 01:29:41.079 expecting to happen, is it. Why did they make a distribution from the 1116 01:29:41.119 --> 01:29:44.880 principle to him this year or last year? Let me ask you, Jim, 1117 01:29:45.079 --> 01:29:48.039 they did they distribute twenty five thousand of income to you and then also 1118 01:29:48.079 --> 01:29:53.720 make an additional distribution of principle. That is correct. Yes, I've been 1119 01:29:53.800 --> 01:29:59.119 paying on the earnings from the trust that they're making, but they're giving me 1120 01:29:59.159 --> 01:30:01.960 an additional appro at twenty five thousand dollars. Wait wait, wait, so 1121 01:30:02.000 --> 01:30:06.800 wait a minute, So you're getting not only your normal twenty five thousand, 1122 01:30:08.560 --> 01:30:17.800 but they are claiming that you got an additional twenty five thousand. Jim, 1123 01:30:18.000 --> 01:30:23.920 you're not making sense. You said in tax your twenty twenty three you got 1124 01:30:23.960 --> 01:30:30.119 twenty five thousand dollars worth of income like you have been doing in past years, 1125 01:30:30.399 --> 01:30:33.680 and you were prepared to pay the tax on the twenty five thousand. 1126 01:30:34.199 --> 01:30:41.920 However, that K one is stating you got not only that twenty five, 1127 01:30:42.279 --> 01:30:49.119 but an additional twenty five. No, that of one varies. It's the 1128 01:30:49.359 --> 01:30:54.439 income their trust is receiving. I pay tax and I haven't done it all 1129 01:30:54.479 --> 01:30:59.720 along, but I'm getting an additional twenty five thousand dollars from the principal in 1130 01:30:59.760 --> 01:31:03.840 this trust. Okay. Wow, So, Jim, I think you're missing 1131 01:31:04.000 --> 01:31:09.199 Go ahead, Brent, do you even understand what he's saying? I think 1132 01:31:09.239 --> 01:31:13.119 so. I've got some follow up questions, but it sounds it sounds like 1133 01:31:13.159 --> 01:31:15.800 they've been distributing just income in the past, but this year they also distributed 1134 01:31:15.840 --> 01:31:20.520 some principal to you. Is that correct? No, They've been distributing the 1135 01:31:20.520 --> 01:31:29.239 principle and the in the income for nineteen years, now, okay, because 1136 01:31:29.239 --> 01:31:33.920 that's how I think. Okay, So, so they were each year you 1137 01:31:34.000 --> 01:31:39.039 get a portion of income and a portion of prince, a portion of interest 1138 01:31:39.159 --> 01:31:42.920 or earnings, and a portion of principle. Is that right? That is 1139 01:31:43.039 --> 01:31:48.279 correct? And and this year it changed and you got extra principle. No, 1140 01:31:48.720 --> 01:31:51.479 this year it hasn't changed. Of what of the money that I've been 1141 01:31:51.479 --> 01:31:58.640 receiving, what has changed? The munket reported as income on the K one 1142 01:31:58.760 --> 01:32:02.000 form it's a twenty five doubs. I've been getting out of the principal every 1143 01:32:02.079 --> 01:32:08.399 year. Okay, so usually and correct me if I'm wrong, Brent, 1144 01:32:08.960 --> 01:32:15.680 usually if taxes were paid going in. She he doesn't pay income tax on 1145 01:32:15.760 --> 01:32:20.119 the principle, is that right? Is that right, Brent? He only 1146 01:32:20.159 --> 01:32:25.600 pays on the earnings, right, correct, that's where the income taxes on 1147 01:32:25.760 --> 01:32:30.039 out. So I think what happened is in the past years he's been paying 1148 01:32:30.520 --> 01:32:35.760 a level tax based on the amount of principle that was coming out. And 1149 01:32:35.880 --> 01:32:41.600 I think maybe the trust didn't make as much money. I don't know, 1150 01:32:41.760 --> 01:32:47.119 and more principal came out than earnings or excuse me, less, I don't 1151 01:32:47.159 --> 01:32:53.600 know. Something happened in the formula. It could be that the trust distributed 1152 01:32:53.640 --> 01:32:59.239 out more income actual income this year, yes, okay, and more income? 1153 01:33:00.239 --> 01:33:05.399 Does that? Jim? Does that K one? Say that you got 1154 01:33:05.479 --> 01:33:11.840 all of that extra money from principal? Yes, it does. Well, 1155 01:33:11.920 --> 01:33:14.760 Yeah, there's something wrong in the area. I don't think you're reading it 1156 01:33:14.840 --> 01:33:17.520 right. Well, no, they didn't tell you right, You have a 1157 01:33:17.600 --> 01:33:21.680 K one right, Yes I do. Did you get a K one every 1158 01:33:21.720 --> 01:33:26.479 year? Yes? I did? Yes, Okay, can you do me 1159 01:33:26.520 --> 01:33:30.399 a favor and we'll have somebody look at it for you and we'll keep it 1160 01:33:30.479 --> 01:33:36.000 confidential. If you want to send us some past k ones and this year 1161 01:33:36.119 --> 01:33:40.359 and twenty twenty three is the one. You have a question about the K 1162 01:33:40.399 --> 01:33:43.800 one for twenty twenty three, right, that is correct. That's the first 1163 01:33:43.800 --> 01:33:46.560 time I'm getting. Could you do me a favorite? Can you send us 1164 01:33:46.560 --> 01:33:51.359 a twenty a K one from twenty one and twenty two and twenty three? 1165 01:33:55.359 --> 01:33:59.239 Yeah, I think I got cotton dulos. If you can, we'll have 1166 01:33:59.359 --> 01:34:04.159 someone look at it, one of our accountants and figure out why so so 1167 01:34:04.239 --> 01:34:10.399 the net result to you was more tax. That is correct. Okay, 1168 01:34:10.600 --> 01:34:13.479 do me a favorite. Jim. It sounds like you understand exactly what's going 1169 01:34:13.520 --> 01:34:16.239 on. Send us copies of that K one because Brett, wouldn't you say 1170 01:34:16.319 --> 01:34:20.000 K one's are going to tell the story. They should at least give you 1171 01:34:20.039 --> 01:34:24.479 some more information. They may not give you the behind the scenes story as 1172 01:34:24.479 --> 01:34:27.680 to why there's more income, but my guess is it will tell you, 1173 01:34:27.800 --> 01:34:30.159 yes, there was more income generated than the trust, and the trust is 1174 01:34:30.199 --> 01:34:34.880 always going to pay out the end the income before principle. If they can. 1175 01:34:35.239 --> 01:34:39.159 Yeah, but what what he's saying is the exact opposite of that. 1176 01:34:39.239 --> 01:34:44.079 He's saying it wasn't more income, he got more principle. And that doesn't 1177 01:34:44.119 --> 01:34:47.239 make sense because you don't pay tax again on the principle, So that part 1178 01:34:47.319 --> 01:34:51.680 does not make sense. The principle would have been passed right on to him 1179 01:34:51.720 --> 01:34:56.560 without tax. They make you take out the earnings first, as I believe 1180 01:34:57.399 --> 01:35:00.640 that's correct. Okay, so guy at time, that's to Jackie what it 1181 01:35:00.720 --> 01:35:09.119 is. Okay, yeah, so but they're making you take out income first. 1182 01:35:09.520 --> 01:35:13.760 But the way you said it, they're they're claiming they took out more 1183 01:35:13.760 --> 01:35:16.680 principle. But even if they did, you don't pay tax on the principle. 1184 01:35:17.840 --> 01:35:19.880 Yeah, I'm not saying it. That's what they told me. That's 1185 01:35:19.880 --> 01:35:24.439 what they're telling me. It's coming out of the principle. But it's taxable 1186 01:35:24.479 --> 01:35:28.239 no matter what. No, it's not taxable, no matter what. If 1187 01:35:28.279 --> 01:35:31.399 you have a trust that where taxes were paid going in, you don't pay 1188 01:35:31.680 --> 01:35:35.600 twice on the taxes and there's no inheritance. How many how much was it? 1189 01:35:35.640 --> 01:35:38.920 By the way, I should ask that maybe there was an inheritance, 1190 01:35:39.560 --> 01:35:44.199 how much total was there? It was just a little less than a million 1191 01:35:44.239 --> 01:35:46.680 dollars. Okay, there's no inheritance on that. Okay, Jim, just 1192 01:35:46.760 --> 01:35:49.680 send that to us Kachina, give them an email and we'll maybe have one 1193 01:35:49.680 --> 01:35:53.119 of our accountants look at it. We got to take this break. I'm 1194 01:35:53.119 --> 01:35:57.359 Tom Martinez more coming up and we'll talk to Compass about insurance checkups right after 1195 01:35:57.399 --> 01:36:05.760 this, go with a sure thing Denver's Best roofer Excel Roofing dot com. 1196 01:36:05.800 --> 01:36:13.560 You don't pay a cent until you're content. Time for an insurance check up 1197 01:36:13.680 --> 01:36:18.079 free, no obligation comparison call Compass Insurance paying too much your coverage at dozens 1198 01:36:18.079 --> 01:36:21.760 of insurance companies find out now three oh three seven seven to one help. 1199 01:36:21.920 --> 01:36:26.720 You'll think you're his only customer when you choose Frank durand the real estate Man 1200 01:36:26.760 --> 01:36:30.279 dot com to list your home with Remax Alliance three oh three nine two zero 1201 01:36:30.359 --> 01:36:48.960 sixteen twenty two. Hi Tom Martino here three oh three seven one three talks 1202 01:36:48.960 --> 01:36:57.640 seven one three eight two five five. Now I'm going to talk to Devon 1203 01:36:57.880 --> 01:37:02.920 or Devon uh Devon about your car insurance claim. So we have Compass Insurance 1204 01:37:02.960 --> 01:37:06.239 here. That's good. We have Brian Burns so what's going on with your 1205 01:37:06.479 --> 01:37:12.199 insurance claim? Yes, sir, thanks for taking a call. So I'm 1206 01:37:12.239 --> 01:37:15.880 having a bit of an issue. The other day. My car broke down 1207 01:37:15.119 --> 01:37:19.960 and I took it to a Jeep dealership and they're telling me I have an 1208 01:37:20.000 --> 01:37:27.119 aftermarket windshield and that water was getting into it and corroding the wire harnesses and 1209 01:37:27.199 --> 01:37:31.359 my whole system went haywire. How long ago did you have that windshield done? 1210 01:37:32.399 --> 01:37:35.319 I never had it done. I bought the car a year and a 1211 01:37:35.359 --> 01:37:40.920 half ago. Okay, hold on there, okay, after market winshield your 1212 01:37:41.039 --> 01:37:45.000 used car that you bought a year and a half ago, right, Okay, 1213 01:37:46.000 --> 01:37:50.840 keep going. Yeah, So the twenty sixteen Jeep Grand Chercu Laredo, 1214 01:37:51.039 --> 01:37:57.159 I bought it not knowing there was an aftermarket windshield. Most most most cars 1215 01:37:57.199 --> 01:38:02.560 on the road after a few years have aftermarket windshields, and and just just 1216 01:38:02.640 --> 01:38:06.640 to get right to that point, no one did you wrong. No one 1217 01:38:06.680 --> 01:38:11.640 has to tell you that. Keep going correct, Okay, Sure, So 1218 01:38:11.960 --> 01:38:16.399 I filed the claim. I just heard back from the claim adjuster that my 1219 01:38:16.600 --> 01:38:20.520 claim is denied. Well, it's not a it's not an well I don't 1220 01:38:20.520 --> 01:38:24.479 know, is that an insurance claim? Brian, I'm curious to hear the 1221 01:38:24.520 --> 01:38:27.319 rest of your since there, what what is the reason for declination? What 1222 01:38:27.439 --> 01:38:31.239 are they saying? They said that the reason why is because it's not an 1223 01:38:31.239 --> 01:38:36.359 immediate water action. They're saying, it's infiltration, it's it's a warrant, 1224 01:38:36.439 --> 01:38:40.800 it's a it's a more of a maintenance issue than it is a sudden and 1225 01:38:40.920 --> 01:38:45.880 casual event. Yeah, I mean a casualty event. Yeah, because water 1226 01:38:45.159 --> 01:38:48.239 is a covered peril. So if you're if you you know your car gets 1227 01:38:48.319 --> 01:38:53.920 inundated with water. But their point is this didn't happen sudden and accidental. 1228 01:38:53.960 --> 01:38:58.359 It's it's it's not like you left it outside and a big flood came exactly. 1229 01:38:59.239 --> 01:39:02.560 It's they said, over time. It's like if your headliner leaked or 1230 01:39:02.560 --> 01:39:06.960 something that wouldn't be covered by insurance, right, right, I understand, 1231 01:39:08.439 --> 01:39:11.920 or your sun roof. But here's what I want to know. You bought 1232 01:39:11.960 --> 01:39:16.119 this car a year and a half ago and it had an aftermarket windshield. 1233 01:39:16.239 --> 01:39:21.159 An aftermarket windshield doesn't make it leak. It wasn't the aftermarket windshield is the 1234 01:39:21.159 --> 01:39:27.640 installation. Yeah, that's exactly right. It wasn't installed correctly. Sure, 1235 01:39:27.680 --> 01:39:30.760 and still there was no way of me knowing or the corrosion either way. 1236 01:39:30.800 --> 01:39:34.319 I understand you're saying, it's like I'm not getting screwed over because no one 1237 01:39:34.359 --> 01:39:38.479 had to tell me that. No, of course not. I mean it's 1238 01:39:38.479 --> 01:39:42.279 a used car. I mean you bought a used car. So when you 1239 01:39:42.319 --> 01:39:45.279 buy a used car, there's all kinds of things no one has to tell 1240 01:39:45.319 --> 01:39:48.359 you. Sure, Sure, I understand. I just want to that sucks, 1241 01:39:48.439 --> 01:39:54.159 man. I mean I feel for you, and I understand why you 1242 01:39:54.159 --> 01:39:59.880 would think insurance should cover Brian. There is a fine line between a sudden 1243 01:40:00.560 --> 01:40:06.720 an accidental an accidental compared to damage. Yeah, okay, so help him 1244 01:40:06.800 --> 01:40:14.039 understand. In what world could something like this be covered. Let's say he 1245 01:40:14.119 --> 01:40:17.880 went out and had the windshield done today, and in a week or two 1246 01:40:18.359 --> 01:40:25.079 there was a big storm and he goes out to his car and it's damage 1247 01:40:25.159 --> 01:40:30.600 and won't start. Okay, is it covered? If the approximate cause was 1248 01:40:30.640 --> 01:40:33.399 that water coming in and doing the damage, and it happened quickly like that, 1249 01:40:33.399 --> 01:40:36.520 then you absolutely can make a case to make a claim to that. 1250 01:40:36.640 --> 01:40:43.960 Yes, But if it was the windshield not installed just right and over a 1251 01:40:44.319 --> 01:40:48.800 long period of time, by the way, I had the exact same problem 1252 01:40:49.279 --> 01:40:55.239 on a car. I had the exact same problem. So I was having 1253 01:40:55.279 --> 01:41:00.520 some issues and they looked near the windshield under the I was having the Oh, 1254 01:41:00.560 --> 01:41:04.079 I was having the windshield done, and here's what happened. They said, 1255 01:41:04.079 --> 01:41:08.680 Tom, you got a lot of corrosion in here. They said, 1256 01:41:08.720 --> 01:41:13.600 it must have seeped in over time. I had the exact same thing. 1257 01:41:14.680 --> 01:41:17.600 So what were you thinking, Devin that First you were thinking your insurance should 1258 01:41:17.600 --> 01:41:23.079 cover it. Second, you were thinking somebody should have told you it was 1259 01:41:23.119 --> 01:41:27.640 an aftermarket windshield. Right? Yeah, correct. I mean, but like 1260 01:41:27.680 --> 01:41:30.880 you're saying, I understand how the system works, and everyone's trying to cover 1261 01:41:30.920 --> 01:41:33.439 their own butts. So and it's not that they want to cover their butts. 1262 01:41:33.479 --> 01:41:38.479 It's that if we lived in a world where everyone had to know everything 1263 01:41:38.520 --> 01:41:44.520 about everything they buy, commerce would come to a screeching halt, or things 1264 01:41:44.560 --> 01:41:46.560 would be so expensive we wouldn't be able to afford them. I mean, 1265 01:41:46.800 --> 01:41:50.600 I'm not trying to make an excuse, but you could have had that car 1266 01:41:50.760 --> 01:41:55.239 checked out. Now would they have found this? I don't know. You 1267 01:41:55.319 --> 01:41:58.479 see, who would look for it? I wouldn't look for it. I 1268 01:41:58.520 --> 01:42:01.720 mean, you know, it's just you know that expression, you know what 1269 01:42:01.920 --> 01:42:08.119 happens? Yeah, well you know what just happened to you? Yeah, 1270 01:42:09.279 --> 01:42:13.560 it sucks. How much is this gonna cost you to fix? Right now? 1271 01:42:13.600 --> 01:42:18.880 It's did seven thousand dollars to six? Oh no, what kind of 1272 01:42:18.920 --> 01:42:24.319 car is it? Did you say it was a twenty sixteen Jeep Cherokee? 1273 01:42:25.039 --> 01:42:30.840 Yeah? Yeah, okay, sorry about that man. Three all three seven 1274 01:42:30.920 --> 01:42:40.600 one three talks seven one three eight two five five. Go with a sure 1275 01:42:40.720 --> 01:42:45.239 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1276 01:42:45.279 --> 01:42:50.800 you're content. Time for an insurance check up free, no obligation. In 1277 01:42:50.880 --> 01:42:57.159 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 1278 01:42:57.239 --> 01:43:00.680 find out now three all three seven seven to one help. You'll think you're 1279 01:43:00.720 --> 01:43:03.600 his only customer when you choose Frank durand the real estate Man dot com to 1280 01:43:03.680 --> 01:43:15.079 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 1281 01:43:15.680 --> 01:43:19.840 Hi Tom Martino, your troubleshooter three oh three seven one three talk three 1282 01:43:19.840 --> 01:43:26.479 O three seven one three eight two five five. I have an email here 1283 01:43:26.600 --> 01:43:30.880 for an estate and uh it has to do with something I never heard about. 1284 01:43:30.119 --> 01:43:34.000 We'll try to get Dan mckenzion next hour because we're running out now of 1285 01:43:34.079 --> 01:43:38.680 time. But Brian Burns during this time, I wanted to ask you something 1286 01:43:38.760 --> 01:43:44.159 real quick, and that is will rates We talked about rates going up because 1287 01:43:44.199 --> 01:43:47.039 of recent hailstorms? Right yep? Will they ever be adjusted downward? If 1288 01:43:47.239 --> 01:43:51.199 if we calm down with how does that work with premium pricing? I have 1289 01:43:51.319 --> 01:43:56.159 never in history heard them come down. Oh absolutely they have. Oh yeah, 1290 01:43:56.199 --> 01:44:00.680 we were good. We had actually maybe fifteen years ago when we were 1291 01:44:00.720 --> 01:44:03.359 doing this and rates had been climbing because of Hale, and all of a 1292 01:44:03.359 --> 01:44:10.520 sudden we had three or four years where Hale was just not Who examines that? 1293 01:44:10.760 --> 01:44:14.279 Who examines that? Is that mandatory? Or do they just do it 1294 01:44:14.319 --> 01:44:15.560 out of the goodness of their heart? I mean, how do they adjust 1295 01:44:15.560 --> 01:44:18.960 prices? Well, it's not because it's out of the goodness of their hearts. 1296 01:44:19.000 --> 01:44:23.800 They all realize we're making money, and so they try to get business. 1297 01:44:23.800 --> 01:44:27.279 It's like, also, okay, they want to be want to be 1298 01:44:27.319 --> 01:44:30.640 competitive, They want people to come to them. Right now, they're losing 1299 01:44:30.680 --> 01:44:35.159 money. Insurance companies in Colorado have lost money off of what they've they've taken 1300 01:44:35.199 --> 01:44:40.239 in, so they don't want business, and so they are needing to raise 1301 01:44:40.319 --> 01:44:42.920 rates. And if people are like, I don't want to pay that, 1302 01:44:42.960 --> 01:44:46.239 I'll go somewhere else. It's just hard to find anything that's better. Wow, 1303 01:44:48.039 --> 01:44:53.760 what happens if a state is so bad they can't make companies right there? 1304 01:44:54.119 --> 01:44:57.079 Look at Florida, right, I mean, look at Californoa. Does 1305 01:44:57.119 --> 01:45:00.319 it become a state thing to do? The states are underwriting? Yeah, 1306 01:45:00.359 --> 01:45:03.640 but and that's what was happening in Florida. But now they've passed new laws 1307 01:45:03.680 --> 01:45:08.199 because they're losing money. Is the the state can't afford to do this. 1308 01:45:08.359 --> 01:45:11.760 So now they've they've rewritten some laws and now insurance companies are starting to go 1309 01:45:11.880 --> 01:45:15.760 back into Florida. So yeah, you can have a state fund for even 1310 01:45:15.800 --> 01:45:19.000 in Colorado. If it gets to the point where insurance companies won't write some 1311 01:45:19.079 --> 01:45:23.560 of these fire risks some places in the mountains, they're going to have to 1312 01:45:23.640 --> 01:45:27.600 find a solution. Now right now, there are solutions, they're just expensive. 1313 01:45:27.880 --> 01:45:30.760 Now what about Wow, we'll have to talk about this coming up because 1314 01:45:30.760 --> 01:45:34.520 we are running out of time. You want time to answer, So we're 1315 01:45:34.560 --> 01:45:39.640 talking insurance. If you have any questions plus everything else in your life, 1316 01:45:40.039 --> 01:45:43.760 give us a call three oh three seven one three talk three oh three seven 1317 01:45:43.840 --> 01:45:46.720 one three eight, two five five or three oh three Martino. That's three 1318 01:45:46.760 --> 01:45:50.239 oh three six two seven eight four sixty six. Go with a sure thing 1319 01:45:50.319 --> 01:45:55.760 Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 1320 01:45:55.800 --> 01:46:03.319 content. Time for insurance check up free, no obligation comparison call Compass Insurance 1321 01:46:03.479 --> 01:46:08.600 paying too much your coverage at dozens of insurance companies find out now three all 1322 01:46:08.640 --> 01:46:12.399 three seven seven to one help. You'll think you're his only customer when you 1323 01:46:12.479 --> 01:46:15.640 choose Frank durand the real estate Man dot com to list your home with Remax 1324 01:46:15.680 --> 01:46:27.840 Alliance three all three nine to zero sixteen twenty two, Yeah, rip new 1325 01:46:29.199 --> 01:46:34.399 need a who you don't have? Come run anxious as fast as we can. 1326 01:46:35.640 --> 01:46:43.039 Shooter's gonna help. Come man. This is the Troubleshooter Show. Now 1327 01:46:43.560 --> 01:46:47.840 Tom Martino, Hi, Tom Martino here, Welcome to the show. Today's 1328 01:46:47.880 --> 01:46:51.199 insurance day. We have Compass Insurance in the house and they've been doing some 1329 01:46:51.279 --> 01:46:57.640 comparisons as well. We also have been talking about alternatives to hind you not 1330 01:46:57.760 --> 01:47:02.520 alternatives. How to keep rates lower if you have to do and ken including 1331 01:47:02.560 --> 01:47:10.039 playing with deductibles and roof separate from other casualty and losses. And it's just 1332 01:47:10.159 --> 01:47:15.720 very complicated. We're also going to talk about this bad contractor thing. I 1333 01:47:15.760 --> 01:47:18.680 got Mark Schumansky on and I'm going to try to find that original call. 1334 01:47:20.039 --> 01:47:25.880 We asked Mark to check something out for us, and Marcus with Genesis Total 1335 01:47:26.000 --> 01:47:31.439 Exteriors dot Com we use him as an expert a lot. And Janet called 1336 01:47:32.119 --> 01:47:36.199 about a problem with a contractor, and I want him to start talking. 1337 01:47:36.239 --> 01:47:40.600 But I'm trying to find the original call. I'll find it here in a 1338 01:47:40.640 --> 01:47:47.159 minute. But what was the main issue that she had, Well, the 1339 01:47:47.279 --> 01:47:51.680 contractor. She signed a contract with somebody and he did the roof and then 1340 01:47:51.680 --> 01:47:57.319 he started doing other repairs and they were supplements, and they were what she 1341 01:47:57.520 --> 01:48:01.520 was complaining about. She said, the supplements, it like doubled the entire 1342 01:48:01.600 --> 01:48:08.119 thing, right, Yeah, And so you know, we know insurance companies 1343 01:48:08.119 --> 01:48:11.680 don't always pay what they're supposed to pay, and that is the case on 1344 01:48:11.720 --> 01:48:15.479 this one too. There are things that the insurance company was not paying for, 1345 01:48:15.640 --> 01:48:19.000 and so some of their supplements are legitimate but then some of their supplements 1346 01:48:19.039 --> 01:48:23.840 are going way beyond what they should be, and they're trying to take advantage 1347 01:48:23.880 --> 01:48:28.960 of the situation, which makes a bad situation bill looks bad on contractors, 1348 01:48:29.000 --> 01:48:31.039 and you know, and so the insurance companies get mad at us too at 1349 01:48:31.039 --> 01:48:33.520 the same point, like, well, why are you overcharging for this? 1350 01:48:34.079 --> 01:48:38.479 You know. One of the examples, this is a small house, the 1351 01:48:38.600 --> 01:48:42.000 left side of the house of the thousand dollars to paint it. That's the 1352 01:48:42.000 --> 01:48:45.560 only painting on the whole house. This contractor tried to supplement for fifty six 1353 01:48:45.960 --> 01:48:50.159 dollars just to paint one side of the house. Oh, that's ridiculous. 1354 01:48:50.520 --> 01:48:55.520 That's ridiculous. She also said, though some of the work was shoddy, 1355 01:48:56.039 --> 01:49:00.000 like fixing the cracks and windows or something. Did you check that out? 1356 01:49:00.239 --> 01:49:03.720 Yeah? So, uh. In the bottom it's a vinyl window. In 1357 01:49:03.800 --> 01:49:06.640 the bottom, there's a bottom piece that holds the glass in place. It's 1358 01:49:06.640 --> 01:49:12.640 called the glazy meat. It's plastic or vinyl material. And on the front 1359 01:49:12.680 --> 01:49:15.119 window that has cracked, it's it's got a hole in it. And the 1360 01:49:15.159 --> 01:49:19.119 insurance company went ahead and said, we're gonna pay for a new window, 1361 01:49:20.079 --> 01:49:26.039 okay, And so the contractor came out and did work around the window because 1362 01:49:26.039 --> 01:49:30.239 it has a metal metal trim around the window. That's your custom vent. 1363 01:49:30.800 --> 01:49:34.359 Well that that was supposed to get replaced too. Well, this contract came 1364 01:49:34.359 --> 01:49:39.319 out and did some cocking and some other work and it looks horrible whatever they 1365 01:49:39.359 --> 01:49:43.720 did, and they did not replace the window. The window never got replaced. 1366 01:49:44.640 --> 01:49:50.039 So so they're they're not they're not entirely up and up no, you 1367 01:49:50.079 --> 01:49:56.079 know on the roof, installed the roof properly. That's all good. They 1368 01:49:56.119 --> 01:50:00.479 didn't do two of the vent covers, okay, but then she all less 1369 01:50:00.520 --> 01:50:05.079 power events power add events. They reinstalled the old ones, never replaced them, 1370 01:50:05.680 --> 01:50:11.600 and then they're not even fastened in place. And then they're supplement for 1371 01:50:11.640 --> 01:50:14.439 those two well those two were part of the original plank. But then they 1372 01:50:14.439 --> 01:50:17.239 added a third power event in their supplements, Like why are you adding an 1373 01:50:17.279 --> 01:50:25.680 extra power event? So the oh they really are goosing this project? Yeah, 1374 01:50:25.720 --> 01:50:28.800 and are they done with the job right now? This was back in 1375 01:50:28.880 --> 01:50:32.680 September of twenty twenty three, that's when they started. They just now finished. 1376 01:50:32.720 --> 01:50:34.600 You know, I don't know if you remember the caller, her husband 1377 01:50:34.920 --> 01:50:41.199 just passed away last week, right, right, and so she knows, 1378 01:50:41.520 --> 01:50:45.199 of course this is emotional too. And then dealing with this, she did 1379 01:50:45.239 --> 01:50:47.279 say, Mark, I asked them to leave two times, but I was 1380 01:50:47.319 --> 01:50:53.239 dealing with my husband dying and he was at home, and he died at 1381 01:50:53.239 --> 01:50:56.119 home, and she was dealing with that, and so some days she goes. 1382 01:50:56.119 --> 01:50:58.119 A couple of days. I said, I can't handle anybody year. 1383 01:50:59.680 --> 01:51:01.479 But they you know, again, there was only one side of the house 1384 01:51:01.479 --> 01:51:04.399 you going to paint on. They started doing work on the other sides of 1385 01:51:04.399 --> 01:51:08.840 the house that there was no damn me, John, and they started replacing 1386 01:51:08.880 --> 01:51:13.039 window trim and it's like and she goes, there was never a trim on 1387 01:51:13.079 --> 01:51:15.079 this window, and they just put it on there. It's not done. 1388 01:51:16.039 --> 01:51:19.720 All right, We're definitely going to put someone on this. Now. You 1389 01:51:19.720 --> 01:51:24.760 know what I'd like to do, Kachina, I'd like to get Janet back 1390 01:51:24.800 --> 01:51:28.279 on. If we can't do it today, let's do it tomorrow. I 1391 01:51:28.319 --> 01:51:30.960 want to get Janet back on. Now that we have Mark's report on this, 1392 01:51:31.479 --> 01:51:35.760 Mark, thank you very much. I really do appreciate that. And 1393 01:51:36.159 --> 01:51:43.000 I can't I can't say enough good stuff about Genesis tootalexteriors dot Com. He 1394 01:51:43.079 --> 01:51:46.319 won't do stuff like this. I'm telling you he's a good guy and he 1395 01:51:46.600 --> 01:51:51.039 that's why we use him as our expert. Now, Dan McKenzie is here. 1396 01:51:51.159 --> 01:51:55.399 He's an expert on a state law. And I have an email that 1397 01:51:55.479 --> 01:52:00.520 I want to address and it has to do Dan. It's the weest thing 1398 01:52:00.520 --> 01:52:02.479 I've ever heard of. In fact, I've never heard of it before. 1399 01:52:03.680 --> 01:52:08.720 This is a guy's third marriage. He was married twenty years. Okay, 1400 01:52:09.399 --> 01:52:16.119 okay, and on his death he left fifty percent to his wife, So 1401 01:52:16.159 --> 01:52:24.600 she got fifty percent right as she was supposed to. But now she's claiming 1402 01:52:25.560 --> 01:52:32.039 in addition to that fifty percent, she's entitled to something called a family allowance 1403 01:52:32.159 --> 01:52:39.159 under Colorado Revised Statutes, which is up to forty one thousand, and something 1404 01:52:39.199 --> 01:52:44.680 else called an exempt property allowance, which is up to thirty three thousand. 1405 01:52:45.000 --> 01:52:49.560 Have you ever heard of those two things? Yes, they are more. 1406 01:52:49.600 --> 01:52:54.960 There are more elections you can make when you have somebody who is yes they 1407 01:52:55.000 --> 01:52:58.600 shared income or a dependent. There are various elections that you can make. 1408 01:52:59.560 --> 01:53:02.439 Those probably are not very substantially compared to the fifty percent, but yes, 1409 01:53:02.520 --> 01:53:09.279 they're additional. But they but but hold on, So a wife can actually 1410 01:53:09.359 --> 01:53:15.159 get that extra money. Correct. Wow, I thought those provisions even though 1411 01:53:15.479 --> 01:53:19.119 I've just this is the first time I ever heard of them, that logically 1412 01:53:19.880 --> 01:53:27.680 those allowances might have been when there wasn't that much money involved. And no, 1413 01:53:27.800 --> 01:53:30.800 but it does. It can be on top of a million dollars right, 1414 01:53:31.119 --> 01:53:40.079 yes, wow, So they even though the will might specify that after 1415 01:53:40.159 --> 01:53:45.239 the fifty percent, the kids get the other fifty percent, this ex spouse, 1416 01:53:45.800 --> 01:53:50.520 not X spouse. I'm sorry, this widow or widower can go into 1417 01:53:50.560 --> 01:53:58.000 their spouse's kids stuff. Yeah. I mean, these elections are kind of 1418 01:53:58.199 --> 01:54:00.000 they are made before the distributions happen. So yeah, now what do you 1419 01:54:00.079 --> 01:54:04.560 mean these elections? So the spouse has to actually make that election. Yeah, 1420 01:54:04.640 --> 01:54:08.720 you have to come in and file a form to get those Wow. 1421 01:54:09.159 --> 01:54:14.079 This is something new, Dan that we've never actually discussed before. Yeah. 1422 01:54:14.560 --> 01:54:16.439 Yeah, yeah, yeah, it's a mixture. I mean really, what 1423 01:54:17.119 --> 01:54:20.319 it's about is making sure like if there's credit or claims against the estate and 1424 01:54:20.319 --> 01:54:26.159 the state is insolvent, that like a dependent kid, for example, is 1425 01:54:26.199 --> 01:54:29.760 still going to get some amount of money before creditors swoop in and take everything. 1426 01:54:30.159 --> 01:54:32.560 Oh wait, so this this allowance is not just for a spouse, 1427 01:54:34.560 --> 01:54:38.279 correct, Yeah, if you have dependent kids. So not just like adult 1428 01:54:38.359 --> 01:54:40.399 kids or who are out of the house or be able to do this kind 1429 01:54:40.399 --> 01:54:42.560 of stuff, but for like you know, if you got an eight year 1430 01:54:42.560 --> 01:54:45.680 old, like, yeah, so it's for a spouse or a dependent correct. 1431 01:54:45.920 --> 01:54:50.560 Yeah. And can you explain what is exempt mean an exempt property in 1432 01:54:50.640 --> 01:54:56.199 an estate? So yeah, again, it's it's just to make sure, 1433 01:54:56.479 --> 01:55:00.720 like with the residence or with a certain amount of cash, if the making 1434 01:55:00.760 --> 01:55:04.960 sure that the people who are dependent on the person who passed away are going 1435 01:55:05.000 --> 01:55:10.760 to get some minimum amount. Because what happens is like if you don't know 1436 01:55:10.800 --> 01:55:15.560 that you have an eight year old out there, let's say like you can't 1437 01:55:15.600 --> 01:55:18.199 make any distributions until all the creditor period is run, Like you need some 1438 01:55:18.239 --> 01:55:21.520 sort of safe harbor there. And so we know, like we're going to 1439 01:55:21.560 --> 01:55:25.880 be able to get this eighty one thousand bucks or whatever, we can distribute 1440 01:55:25.880 --> 01:55:28.920 that amount of money while we wait for the creditor claiming, Oh okay, 1441 01:55:28.680 --> 01:55:35.079 so it goes so it actually steps in front of secured creditors. Secured I 1442 01:55:35.119 --> 01:55:39.399 don't know about secured. I'd have to look into that, but certainly other 1443 01:55:39.479 --> 01:55:43.520 creditor claims against the estate. Oh, usually secured is going to be all 1444 01:55:43.680 --> 01:55:47.039 right. So what it says to the family is, no matter what, 1445 01:55:47.039 --> 01:55:51.439 you're going to get this much money beyond after the secured creditors. You're going 1446 01:55:51.520 --> 01:55:56.640 to get at least this much money and then we'll distribute to the estate or 1447 01:55:56.640 --> 01:56:00.279 to the heirs. Right, yeah, wow, thank you. I've learn 1448 01:56:00.399 --> 01:56:03.600 something, Dan McKenzie. Of course, like I said, if you need 1449 01:56:03.640 --> 01:56:09.439 help, you gotta call them eight three three co plans eight three three co 1450 01:56:09.760 --> 01:56:23.520 plans or co plans dot co. Go with a sure thing Denver's best roofer 1451 01:56:23.680 --> 01:56:30.840 Excel roofing dot com. You don't pay a cent until you're content. Time 1452 01:56:30.840 --> 01:56:35.159 for an insurance check up free no obligation comparison call Compass Insurance paying too much 1453 01:56:35.279 --> 01:56:40.239 your coverage at dozens of insurance companies find out now three O three seven to 1454 01:56:40.319 --> 01:56:43.960 seven to one help. You'll think you're his only customer when you choose Frank 1455 01:56:44.039 --> 01:56:47.640 Durand the real estate Man dot com to list your home with Remax Alliance three 1456 01:56:47.640 --> 01:57:02.279 oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter 1457 01:57:03.399 --> 01:57:06.920 three ozho three seven one three talk seven one, three, eight, two 1458 01:57:08.039 --> 01:57:13.840 five five. By the way, Premiere says great, doesn't it? Then 1459 01:57:13.960 --> 01:57:18.800 word Premiere window cleaning and pressure washing some young men that I met years ago. 1460 01:57:18.960 --> 01:57:25.640 And I'm telling you Tyler has a great business, and he does great 1461 01:57:25.680 --> 01:57:30.199 work at great prices, and he wants to concentrate well. He does commercial 1462 01:57:30.600 --> 01:57:33.800 and residential and he has, like I said, for spring cleaning, get 1463 01:57:33.800 --> 01:57:38.039 your windows done. You won't believe how wonderful they do. Seven to zero 1464 01:57:38.720 --> 01:57:44.800 nine five three zero zero seven eight seven to zero nine five three zero zero 1465 01:57:44.920 --> 01:57:48.840 seven eight. People you can trust. In fact, trust Premiere Window dot 1466 01:57:48.880 --> 01:57:53.920 com is one of the website names. I love that one, Trust Premiere 1467 01:57:53.920 --> 01:57:58.000 Window dot com. Isn't that cool? The other one is we Clean Windows 1468 01:57:58.399 --> 01:58:05.760 dot see. Oh okay, let's talk Brian Burns Compass Insurance Group every time 1469 01:58:05.800 --> 01:58:09.800 he's on. And by the way, you can do this every time you 1470 01:58:09.920 --> 01:58:12.840 call them. You can do it if you wanted to. You don't have 1471 01:58:12.880 --> 01:58:15.159 to wait for them to be on the show. Three h three nine nine 1472 01:58:15.279 --> 01:58:18.880 six nine thousand. You can call for what we call an insurance check up. 1473 01:58:18.960 --> 01:58:24.760 What is that? That's where you find out if you're paying too much 1474 01:58:24.760 --> 01:58:29.720 for coverage, if you're under insured, if you're over insured, if you 1475 01:58:29.800 --> 01:58:33.640 can do better, better coverage, lower price, whatever, or better coverage, 1476 01:58:33.760 --> 01:58:39.079 same price. About eighty five percent of the time I think we're successful 1477 01:58:39.079 --> 01:58:42.640 at helping people. The other fifteen percent you get an affirmation that you got 1478 01:58:42.640 --> 01:58:45.920 a pretty good deal. So today we ask them to call in and you 1479 01:58:45.960 --> 01:58:48.319 can do that, Like I said, every day. What examples do we 1480 01:58:48.359 --> 01:58:53.640 have today, Brian, here's one. A couple called in. They're with 1481 01:58:53.720 --> 01:59:00.359 Farmers right now for auto and home insurance, and they're paying a out. 1482 01:59:00.479 --> 01:59:03.199 It's forty five hundred on the auto and forty three seventy five on the home. 1483 01:59:03.319 --> 01:59:08.239 Whoo nine grand, Yeah, nine grand. It looks like we are. 1484 01:59:09.039 --> 01:59:14.359 We quoted them moving them to Safeco. The auto insurance is going down 1485 01:59:14.439 --> 01:59:17.479 to one thousand, eight hundred and twenty eight from forty five hundred home. 1486 01:59:17.560 --> 01:59:21.239 Now, crap, the home is higher. It's fifty three oh three, 1487 01:59:21.399 --> 01:59:27.000 but combined fifty three oh three for just the home. Yeah. But but 1488 01:59:27.000 --> 01:59:31.359 but their current dwelling limit with Farmers was four hundred and twenty four thousand. 1489 01:59:31.800 --> 01:59:35.800 We did a cost estimator. We bumped their dwelling limit up to six hundred 1490 01:59:35.840 --> 01:59:41.000 and thirty two thousand dollars and ended up between the auto and home, saving 1491 01:59:41.039 --> 01:59:45.119 them over seventeen hundred bucks. Yeah, that's incredible. Better coverage, lower 1492 01:59:45.119 --> 01:59:46.680 price, that's yeah, that's and we look at the total package. You 1493 01:59:46.720 --> 01:59:48.680 know, even though the home is a little bit more, it's got way 1494 01:59:48.720 --> 01:59:54.039 more coverage. So in the auto is saving the money. So it looks 1495 01:59:54.119 --> 01:59:56.680 like here, Oh, this is one that was interesting because I know you've 1496 01:59:56.680 --> 02:00:00.880 had a lot of calls about loss assessment. That what what he's talked about 1497 02:00:00.960 --> 02:00:04.279 is the assessment coverage. Excuse me, the assessment. You get an assessment 1498 02:00:04.359 --> 02:00:09.119 charged against you, a capital assessment you have to pay in. When your 1499 02:00:09.199 --> 02:00:13.560 condo or town home development has you know, you have to chip in because 1500 02:00:13.600 --> 02:00:15.960 they don't have enough insurance. Go ahead, yep. So and we're seeing 1501 02:00:15.960 --> 02:00:21.000 that a lot. This person called because they are with State Farm and had 1502 02:00:21.279 --> 02:00:27.720 no loss assessment covers. They didn't realize it and got assessed oh fifteen thousand 1503 02:00:27.800 --> 02:00:30.760 dollars. Oh my god. So they called us. We have, first 1504 02:00:30.760 --> 02:00:33.520 of all, on the auto insurance, we increased them from one hundred thousand 1505 02:00:33.520 --> 02:00:39.039 of liability up to two hundred and fifty thousand. On the condo, we 1506 02:00:39.199 --> 02:00:43.760 moved them from having no loss assessment to fifty thousand dollars and we saved them 1507 02:00:43.760 --> 02:00:48.920 five hundred bucks for the package. Wow. Yeah, one more USAA current 1508 02:00:48.960 --> 02:00:54.760 customers. USAA. We're moving into acuity. The home was under insured by 1509 02:00:54.800 --> 02:01:00.119 one hundred and fifty thousand. We got them guaranteed replacement cost uncapped. We 1510 02:01:00.119 --> 02:01:03.119 moved them from a one percent deductible which was six two hundred to twenty five 1511 02:01:03.239 --> 02:01:09.920 hundred and saved them thirteen hundred and fifty dollars plus saved them on deductibles and 1512 02:01:10.399 --> 02:01:13.920 increased their coverage on their home. Because they were under insured, they would 1513 02:01:13.920 --> 02:01:17.199 have lost. I'm telling you, being under insured is just as stupid as 1514 02:01:17.239 --> 02:01:21.079 being over insured. Now, I want to ask you about some stuff here. 1515 02:01:21.199 --> 02:01:25.840 And remember that's three h three nine nine six nine thousand. Anytime you 1516 02:01:25.920 --> 02:01:29.119 get an insurance check up, now, why wouldn't anyone do that? I 1517 02:01:29.640 --> 02:01:34.720 mean, gosh, so our states rated like Colorado is? Is Colorado one 1518 02:01:34.760 --> 02:01:38.720 of the worst? For yes, is one of the worst or the worst? 1519 02:01:38.760 --> 02:01:41.520 They as of last year? There was an article in the Denver Post 1520 02:01:41.720 --> 02:01:45.159 that came out in December. We were number two. Who's number one? 1521 02:01:45.199 --> 02:01:47.359 It was? It was Texas. I think number one, yeah, number 1522 02:01:47.359 --> 02:01:50.520 two Colorado. Okay, I think it was Texas number one, and then 1523 02:01:50.640 --> 02:01:56.159 number two is Colorado. So in all perils are states like I would think 1524 02:01:56.199 --> 02:02:00.319 Florida would be it was catastrophic losses, Okay, what it was in hail 1525 02:02:00.439 --> 02:02:03.000 being considered, you know, catastrophe. So in all states, what would 1526 02:02:03.039 --> 02:02:09.640 be the wood in California, like with mud slides and forest fires, wires 1527 02:02:09.640 --> 02:02:15.039 and all. Yeah, but Colorado have more constantial losses in California. So 1528 02:02:15.079 --> 02:02:19.479 when it comes to just catastrophic losses, how to states ranked? You know, 1529 02:02:20.359 --> 02:02:25.920 I'm sorry at like total catastrophic losses. Yeah, that's what I'm talking 1530 02:02:25.960 --> 02:02:30.600 about. Colorado is number two in the country in total catastrophic losses. So 1531 02:02:30.640 --> 02:02:32.720 you have Texas, then you have Colorado, right, and then I don't 1532 02:02:32.720 --> 02:02:35.520 remember, I honestly don't, but there was a whole article about it. 1533 02:02:35.560 --> 02:02:42.079 But I know California is way up there. But Colorado obviously has almost all 1534 02:02:42.159 --> 02:02:45.319 the problems. It doesn't have hurricanes, of course, but it has forest 1535 02:02:45.359 --> 02:02:49.079 fires, and it has the most significant being hail. Hail is just such 1536 02:02:49.119 --> 02:02:56.800 a huge driver of insurance costs. Okay, So as far as condos and 1537 02:02:56.880 --> 02:03:00.560 townhouse We talked about this before. It is a major crisis. YEP. 1538 02:03:01.600 --> 02:03:06.399 A lot of companies are no longer writing for these big places, or they 1539 02:03:06.479 --> 02:03:12.720 are writing, but the deductibles are so ridiculous condos and town homes and all 1540 02:03:12.760 --> 02:03:17.479 that they're not being able to find adequate coverage without almost paying for the damn 1541 02:03:17.560 --> 02:03:21.760 roof themselves. It's almost self insurance on the roof at this point. And 1542 02:03:21.840 --> 02:03:27.680 so what does that mean if people own condos or towns? So does it 1543 02:03:27.760 --> 02:03:31.600 mean? What it means right now is they're shifting the liability of that roof 1544 02:03:31.840 --> 02:03:36.880 onto each unit owner. So as of right now, every person that owns 1545 02:03:36.920 --> 02:03:42.640 a condo should be checking to see what their loss assessment coverage is now. 1546 02:03:42.920 --> 02:03:46.920 I say that right now because insurance companies on the property on the personal side, 1547 02:03:46.960 --> 02:03:51.479 those HO six's or condo policies have not caught up on premium, that 1548 02:03:51.560 --> 02:03:57.800 loss assessment coverage is cheap right now. It's going to change because all that 1549 02:03:58.359 --> 02:04:02.199 all these assessments are now being paid for by these condo policies that cost five 1550 02:04:02.279 --> 02:04:05.880 hundred dollars a year. They can't sustain that. So at some point you're 1551 02:04:05.920 --> 02:04:11.600 going to see them either limit what they'll offer on loss assessment or charge a 1552 02:04:11.640 --> 02:04:15.039 healthy premium for it. Right now, that's not the case. So if 1553 02:04:15.079 --> 02:04:18.560 you have now, right now to get loss assessment coverage that would cover you 1554 02:04:18.600 --> 02:04:25.800 for a capital assessment for a casualty loss right in order to get that, 1555 02:04:27.239 --> 02:04:30.800 what are the tiers and the cost of that approximately? Yeah, so let's 1556 02:04:30.840 --> 02:04:33.760 say twenty five thousand dollars of loss assessment coverage, which is pretty healthy. 1557 02:04:33.840 --> 02:04:39.600 That's a healthy amount. That would run you probably twenty five bucks a year, 1558 02:04:40.119 --> 02:04:43.199 what maybe fifty bucks a year? But oh my god. Here, 1559 02:04:43.439 --> 02:04:47.960 here's just to complicate things further, and we're seeing this frequently, you might 1560 02:04:48.079 --> 02:04:53.079 have higher limits of loss assessment. Maybe let's say you have twenty five thousand 1561 02:04:53.079 --> 02:04:57.319 dollars worth of loss assessment the policy. If you don't read your policy, 1562 02:04:57.319 --> 02:05:00.800 you could still be in trouble because I've seen policy where they say twenty five 1563 02:05:00.800 --> 02:05:06.159 thousand dollars a loss assessment unless it's the result of HOA deductible. No, 1564 02:05:06.279 --> 02:05:11.560 specifically, if it's an HOA deductible, we'll limit you to one thousand. 1565 02:05:12.079 --> 02:05:15.960 Well what does that mean? So in other words, and it's ninety nine 1566 02:05:15.000 --> 02:05:18.439 percent of all loss assessment claims are going to be as of the result of 1567 02:05:18.439 --> 02:05:23.279 an HOA deductive Of course, Well what then when does it cover you? 1568 02:05:23.439 --> 02:05:28.319 Let's say, let's say I'm trying to think of an example. Let's say 1569 02:05:28.359 --> 02:05:32.880 there's a fire and they don't have adequate insurance. That's not a deductible. 1570 02:05:33.359 --> 02:05:36.680 That's an assessment to be able to pay for the damage to the house. 1571 02:05:36.760 --> 02:05:42.760 That's not that would be loss assessment. That is so infrequent. The by 1572 02:05:42.960 --> 02:05:45.199 far the most common thing is going to be that your HOA now has a 1573 02:05:45.239 --> 02:05:49.159 five percent deductible on it, and so they have you know, that ends 1574 02:05:49.199 --> 02:05:54.560 up being say, can you get loss assessment coverage to cover deductibles? Yeah? 1575 02:05:54.680 --> 02:05:58.319 Most almost every carrier I will write will be okay, But there are 1576 02:05:58.359 --> 02:06:00.359 some that don't. There's a lot of that, don't I see them coming 1577 02:06:00.359 --> 02:06:06.159 in down? Are there ones that will give you or sell you loss assessment 1578 02:06:06.239 --> 02:06:11.319 coverage for let's say twenty five But if it's the roof, it's less. 1579 02:06:11.680 --> 02:06:15.079 No, I've never seen it say anything about roof. It's specific to HOA 1580 02:06:15.119 --> 02:06:18.000 deductible. So you need to check your policy and see is there a limit 1581 02:06:18.079 --> 02:06:24.439 on that HOA deductible? All right? Three oh three seven one three talk 1582 02:06:24.560 --> 02:06:30.119 three oh three seven one three eight two five five Grossman Wellness dot com. 1583 02:06:30.239 --> 02:06:32.520 Remember that for two hundred and forty nine bucks you can get started and there's 1584 02:06:32.520 --> 02:06:36.439 no obligation to continue, but you'll get complete blood work and consultation from the 1585 02:06:36.479 --> 02:06:42.079 doc along with recommendations for supplements and everything else. Now, if you go 1586 02:06:42.199 --> 02:06:44.720 to the program for not more than at a month, I mean it's around 1587 02:06:44.760 --> 02:06:48.000 there a little more. I'm on the program. You get all your supplements, 1588 02:06:48.359 --> 02:06:51.760 most of your prescription drugs, and your blood work all thrown in for 1589 02:06:51.760 --> 02:06:56.359 a few hundred bucks a month. I do that even though I'm on Social 1590 02:06:56.359 --> 02:07:00.359 Security and Medicare and all that. I do that because I want to be 1591 02:07:00.399 --> 02:07:04.920 extra healthy. Grossmanwellness dot com. I urge you to check these people out. 1592 02:07:05.000 --> 02:07:09.600 They're good people, and I look at what you can't put a price 1593 02:07:09.640 --> 02:07:15.640 on health three O three two three three forty two forty seven. Go with 1594 02:07:15.720 --> 02:07:19.920 a sure thing Denver's best roofer Excel roofing dot com. You don't pay a 1595 02:07:20.000 --> 02:07:28.199 cent until you're content. Time for an insurance check up free, no obligation. 1596 02:07:28.239 --> 02:07:31.720 In comparison, call Compass insurance paying too much your coverage at dozens of 1597 02:07:31.720 --> 02:07:35.319 insurance companies find out Now three oh three seven seven to one. Help. 1598 02:07:35.479 --> 02:07:40.279 You'll think you're his only customer when you choose Frank durand the real estate man 1599 02:07:40.319 --> 02:07:44.840 dot com to list your home with Remax Alliance three oh three nine two zero 1600 02:07:44.920 --> 02:07:58.359 sixteen twenty two. Hi Tom Martino, you're a troubleshooter, Anthony, or 1601 02:07:58.399 --> 02:08:03.319 as we say in New York, Antony, what's going on? Or big 1602 02:08:03.359 --> 02:08:07.600 Tony? Yeah, Big Tony, that's true too. What's happening? My 1603 02:08:07.720 --> 02:08:13.479 aunt and uncle are retired, only collecting Social Security and I think they have 1604 02:08:13.520 --> 02:08:18.640 a small pension, but they have a paid off house roughly five hundred thousand, 1605 02:08:18.079 --> 02:08:24.319 and they're looking to downsize to a smaller house roughly the same price, 1606 02:08:24.359 --> 02:08:28.119 but in an area they like better. But of course they can't qualify for 1607 02:08:28.199 --> 02:08:33.439 a loan, and they can't just sell the house and hand that money over 1608 02:08:33.479 --> 02:08:37.039 because then they'd be living nowhere, so they'd need to move into like an 1609 02:08:37.039 --> 02:08:41.039 apartment or something. Is there an easier way to do that? Okay? 1610 02:08:41.359 --> 02:08:46.760 So right now, their house is paid for, correct, and they can't 1611 02:08:46.840 --> 02:08:52.119 qualify for a loan. I get it because of the income. So they 1612 02:08:52.159 --> 02:08:56.840 need a bridge loan? Is what you're talking about, right, and that's 1613 02:08:56.880 --> 02:08:58.600 what they try to get. And they said with their incomes. Right, 1614 02:09:00.199 --> 02:09:07.000 So this is an excellent idea. How old are they sixty five and seventy? 1615 02:09:07.720 --> 02:09:13.119 That's wonderful. You can actually use a reverse loan as a bridge loan. 1616 02:09:15.680 --> 02:09:18.359 Let me explain. Now, it won't give them a full amount, 1617 02:09:20.439 --> 02:09:26.439 but it would give them a good amount. So in other words, they're 1618 02:09:26.479 --> 02:09:31.960 only going to get on that house possibly two hundred max. Right now, 1619 02:09:33.560 --> 02:09:41.479 what two hundred can do for them is it can help them with a purchase 1620 02:09:41.600 --> 02:09:48.920 of another house with owner financing as a bridge loan. So I'll explain this 1621 02:09:50.000 --> 02:09:52.640 to you. It has been done. It's a little weird, but here's 1622 02:09:52.640 --> 02:09:56.960 how it's done. They go to where verse loan get as much as they 1623 02:09:56.000 --> 02:10:00.680 can one hundred and eighty, two hundred whatever. Now, if you find 1624 02:10:00.720 --> 02:10:05.119 a house for sale in the price range they want, most sellers would have 1625 02:10:05.159 --> 02:10:13.119 no problem doing an owner carry for a few months until they sell their house. 1626 02:10:13.960 --> 02:10:22.960 Thanky. So what happens is you sell your house, pay off the 1627 02:10:22.039 --> 02:10:30.600 reverse, and then go pay off the owner carry. That is one possibility. 1628 02:10:30.680 --> 02:10:33.680 It's a little expensive because you have to underwrite the reverse loan as if 1629 02:10:33.680 --> 02:10:37.000 you're going to keep it even though you're not going to check it. Now, 1630 02:10:39.640 --> 02:10:43.399 what's that? But that might be cheaper than renting and moving. It 1631 02:10:43.439 --> 02:10:48.279 could and moving twice. That's right. There is another thing you can do 1632 02:10:50.640 --> 02:10:54.880 is a hard money loan. Now, it used to be hard money loans 1633 02:10:54.960 --> 02:11:01.239 meant get screwed, okay, meaning you know you need a short term loan 1634 02:11:01.560 --> 02:11:05.880 based on assets only, and people charge you through the nose. For example, 1635 02:11:07.199 --> 02:11:09.560 it used to be if you need a hard money loan, let's say 1636 02:11:09.560 --> 02:11:13.439 they want to get a four hundred thousand dollars or five hundred thousand dollars loan, 1637 02:11:13.720 --> 02:11:18.279 they're going to be charged a few points up front. Okay, So 1638 02:11:18.520 --> 02:11:22.279 it could be expensive and high interest, but it's only meant to be a 1639 02:11:22.319 --> 02:11:26.840 short term. However, in some cases where it's positive you're going to be 1640 02:11:26.880 --> 02:11:31.199 selling the house, is that house going to sell pretty well? Oh? 1641 02:11:31.239 --> 02:11:35.840 Yeah, I think so? You think so? Now is it four hundred 1642 02:11:35.880 --> 02:11:39.319 to five hundred? What do you think it really will sell for? Really 1643 02:11:39.359 --> 02:11:43.239 five hundred? It probably would get a little bit more once to get over 1644 02:11:43.399 --> 02:11:46.319 Well, Frank Terran, the real estate man will do that free evaluation. 1645 02:11:46.479 --> 02:11:50.079 So I would do that for sure. But let's say it's five hundred thousand. 1646 02:11:50.319 --> 02:11:54.159 Here's the thing. If you need a five hundred thousand dollars loan to 1647 02:11:54.319 --> 02:12:00.359 bridge, that could cost you. Let's say at the house side, it 1648 02:12:00.399 --> 02:12:05.319 could be terrible. It could cost them fifteen grand just to write that loan. 1649 02:12:05.800 --> 02:12:07.239 I'm not talking about the reverse loan. I'm talking about with a hard 1650 02:12:07.279 --> 02:12:13.560 money lender and then interest only payments. So I say you might be able 1651 02:12:13.560 --> 02:12:16.880 to get it for ten grand. But let's say let's say yeah, because 1652 02:12:16.079 --> 02:12:18.159 I think if I did a hard money loan, i'd do it for that. 1653 02:12:18.239 --> 02:12:20.600 I'm not talking about me doing this for them. I'm just saying in 1654 02:12:22.119 --> 02:12:24.279 the marketplace, ten grand would be a good price for that, and then 1655 02:12:24.439 --> 02:12:33.399 collect interest only of about let's say I think they'd want in today's market at 1656 02:12:33.479 --> 02:12:39.359 least six percent, So I would say those would be interest payments of about 1657 02:12:39.399 --> 02:12:43.560 twenty five hundred a month. And that's the thing that's going to be expensive. 1658 02:12:43.720 --> 02:12:46.239 How long will it take to sell? You know, Frank could probably 1659 02:12:46.279 --> 02:12:50.680 tell you that too, but let's say it's going to take three months. 1660 02:12:52.079 --> 02:12:56.039 So now you're looking at ten and you're looking at seventy five. So seventeen 1661 02:12:56.119 --> 02:13:03.159 eighteen thousand. Let's say with you know, you could be looking at because 1662 02:13:03.199 --> 02:13:07.600 of their situation, with a reverse loan, or with a hard money bridge 1663 02:13:07.640 --> 02:13:13.720 loan, or with owner financing. Owner financing would be with the reverse, 1664 02:13:13.199 --> 02:13:20.760 you're looking at anywhere from ten to twenty thousand in extra expense. So if 1665 02:13:20.880 --> 02:13:26.520 selling and renting would be cheaper, you got to compare it to about you 1666 02:13:26.600 --> 02:13:31.159 got to compare it to that twenty grand at fifteen or twenty grand, right, 1667 02:13:31.239 --> 02:13:37.119 gotch Yes, So if they sold it and then rented, I think 1668 02:13:37.159 --> 02:13:41.720 that'd be their cheapest option. Truly. I don't know why they because really, 1669 02:13:41.239 --> 02:13:45.399 a moving is not the big deal. If you get a reputable mover 1670 02:13:45.479 --> 02:13:48.239 and you call us for that, so then you put that stuff in store, 1671 02:13:48.319 --> 02:13:50.199 that's not going to cost that much more. All it costs you is 1672 02:13:50.800 --> 02:13:56.359 an extra move and storage. Okay, really, And then add that to 1673 02:13:58.159 --> 02:14:00.279 what are they going to rent? For god's akes, they don't have to 1674 02:14:00.279 --> 02:14:03.159 have their dream home, you know, so I think they I think the 1675 02:14:03.279 --> 02:14:13.520 cheapest option is truly selling and renting. Now do they have pets? They 1676 02:14:13.520 --> 02:14:18.000 have a couple of dogs. That's that's easy. I can my family can 1677 02:14:18.039 --> 02:14:20.960 watch the pet that's easy. Yeah, So listen, man, this sounds 1678 02:14:20.000 --> 02:14:26.399 like this sounds like the way to go, especially with I would definitely not 1679 02:14:26.520 --> 02:14:28.880 I wouldn't do a reverse, and I wouldn't do a hard money loan. 1680 02:14:28.920 --> 02:14:33.279 Not at this point. Three oh three seven to one three talk. Let 1681 02:14:33.359 --> 02:14:35.640 let's know what happens, man. We're anxious to hear. Three oh three 1682 02:14:35.720 --> 02:14:37.640 seven one three eight two five five. Jackie has got a comment on that. 1683 02:14:39.159 --> 02:14:43.880 Go ahead, Jackie, what do you think? And I'm a realtor, 1684 02:14:43.000 --> 02:14:48.399 full disclosure, I think you're making it way too complicated. I just 1685 02:14:48.439 --> 02:14:52.880 said to sell and rent. Now, I would just buy with a contingent 1686 02:14:54.079 --> 02:14:58.079 offer. Oh you find that in today's market? Will they do that? 1687 02:14:58.520 --> 02:15:03.840 Absolutely? Wow? Okay, that's a good idea. That's a good idea. 1688 02:15:05.680 --> 02:15:09.279 Yeah, I okay, thank you. That's a that's a good idea 1689 02:15:09.319 --> 02:15:11.920 too. If you can write a contingent offer where they would actually wait for 1690 02:15:11.960 --> 02:15:16.159 you to sell, that's a wonderful idea. Thank you very much. And 1691 02:15:16.359 --> 02:15:18.479 uh, that's why we have smart people listening. We got more coming up. 1692 02:15:22.880 --> 02:15:26.920 Go with a sure thing Denver's best roofer excel roofing dot com. You 1693 02:15:26.960 --> 02:15:33.119 don't pay a cent until you're content than time for an insurance checkup free no 1694 02:15:33.199 --> 02:15:39.119 obligation. In comparison, call Compass Insurance paying too much your coverage at dozens 1695 02:15:39.159 --> 02:15:41.840 of insurance companies find out now three all three seven seven to one help. 1696 02:15:43.000 --> 02:15:46.800 You'll think you're his only customer when you choose Frank durand the real estate man 1697 02:15:46.840 --> 02:15:50.359 dot com to list your home with Remax Alliance three oh three nine two zero 1698 02:15:50.439 --> 02:15:58.439 sixteen twenty two. Kind of like Shoe warned. Hi, Tom Martine, 1699 02:15:58.479 --> 02:16:03.680 let's talk to Randolph. Hey Randolf, what's happening? Hey man, what's 1700 02:16:03.720 --> 02:16:09.159 going on? Based on your recommendation, it was wonderful. He's a real 1701 02:16:09.319 --> 02:16:16.239 gentleman. We had a five minute conversation. But I have utmost confidence in 1702 02:16:16.319 --> 02:16:20.880 doing business with him, so I want to thank you for recommending him. 1703 02:16:20.920 --> 02:16:24.479 The only negative thing is it's a little hard to find parking, but other 1704 02:16:24.560 --> 02:16:31.840 than that, he is an absolute gentleman. He has fair prices, and 1705 02:16:31.920 --> 02:16:35.079 once again, thank you for recommending him. Good. You know, Randolph 1706 02:16:35.200 --> 02:16:37.120 David Ellis is a good guy. He really is. I joke with him 1707 02:16:37.159 --> 02:16:41.280 a lot, you know, with his New York ways, you know, 1708 02:16:41.440 --> 02:16:43.920 from the East coast, but he's been around as long as I have him 1709 02:16:43.040 --> 02:16:48.760 in Colorado, and he is. He's really fun. Didn't you did you 1710 02:16:48.799 --> 02:16:50.079 find him to be a fun guy too, right, Yeah, Yeah, 1711 02:16:50.159 --> 02:16:54.840 he's easy to talk to, you know. And and and he was straight 1712 02:16:54.920 --> 02:16:58.200 with me. Yeah, And I'll be giving him some more bids. Thank 1713 02:16:58.239 --> 02:17:03.000 you, Randolph. And by the way, uh, David Ellisjewelry dot com. 1714 02:17:03.000 --> 02:17:05.879 He buys and sells gold and silver and all and precious metals. And 1715 02:17:07.200 --> 02:17:11.920 okay, don't forget the Insurancehealthcenter dot com. That's Compass Insurance Group. You 1716 02:17:11.959 --> 02:17:15.479 can call them for your insurance check up. They're doing them all day, 1717 02:17:15.479 --> 02:17:18.319 every day. Three oh three nine nine six nine thousand, three h three 1718 02:17:18.360 --> 02:17:20.680 nine ninety six nine thousand. And don't forget, of course, three oh 1719 02:17:20.680 --> 02:17:24.319 three Martino for help, information and referrals.