Yeah, ripped off. You need advice so you don't have come run into
Just as fast as we can, Shooter's gonna help come Dix is the Troubleshooter
Show. No Tom Martine, Hi, I'm Tom Martino, And uh we're
doing it again, aren't we. We're solving problems, answering questions, taking
comlaiints and I welcome you here as I do every day. Love love,
love what I do and how we do it. And you know, here's
the deal. We don't always help people by helping them directly, because sometimes
they're too far go on to problems, too far going, But we do
help in a respect other people who who can prevent it. We can also
help those who have a problem to know the truth about it. You can
text me here at any time five seven, seven three nine. Put Tom
in that message. It gets to me, and then it has to have
a first name in it. And then you can also reach me on the
phone three oh three, seven to one to three talk now that's the station's
number. Then we have our own number that you can call twenty four to
seven and you can leave a message we're not answering, and we'll call you
back to get on the show. Of course, there's no obligation if you
call, just leave a message. Three oh three Martino three oh three six
two seven eight four six six. Today is Insurance Day. I love insurance
Day. If you're one of my YouTube morons or Facebook flunkies, you'll see
Brian over here to the right, Brian Burns Compass Insurance Group. We do
insurance check ups. Well, they do insurance check ups every single day.
They've been doing it for so many years. We came up with this years
ago and it came on the show and it got to be fun. I
said, Brian, what if people call up? Can you actually compare stuff?
And then it became a regular part of their business. So what they
do is compare with about twenty six companies or so out of twenty five twenty
six and then let you know if you can get better coverage at a lower
price, or just a lower price. But here's what I love about comparisons,
and I want you to remember this. Don't go by people who say
I can do that better, I can do that cheaper unless they actually can.
So what Compass does is put if they put their money where their mouth
is when they tell you they can get you better coverage. They better come
through right because they have to have a policy that It's not like they can
just lie to you about it, right. No one can lie to you
about math. So if you're paying four grand, five grand, six grand,
whatever for all kinds of insurance and they come back and say, well
we can do this for thirty eight hundred or forty eight whatever, it's math
and then the coverage is coverage. So enough set about that. You can
call us directly about questions on insurance, or you can call the insurance Health
Center right now and get a quote. What they're going to ask you is
what you're paying for? What do you know? Eighty five percent of the
time we save people money. What's the biggest reason we save people money?
Brian? Is that the creep up syndrome or why? What is the biggest
reason? Yeah, I would say a lot of people, especially your listeners,
have been with their insurance company for twenty thirty years and just have never
looked and so then and we talked about that, and yeah, usually not
the insurance companies don't normally reward loyalty. They don't. Unfortunately they don't,
and people think they do, and they'll get this thing like they say,
well, I'm guaranteed to be renewed. And I always explain to people,
but even carriers we have, I don't feel like that's really a benefit because
if they guarantee they're going to renew you, they don't guarantee the rate they
can charge you, you know, ten times what you're paying right now,
where we could find a better company anyways, So you know, this whole
idea gives people this comfort to say, well, I'm guaranteed to be renewed
on my auto insurance, no matter how many tickets I have. Yeah,
but they don't guarantee the raid. So all right, let's go to the
phones. By the way, but if you have insurance question, you go
straight to the help center if you want to get your pricing. Three h
three nine ninety six nine thousand, Hey, real quick. Yes, how
about that turnout last night? Holy moly, one hundred and sixty people.
That was great. Yeah, we went through the through the roof at the
theater. It was the retirement, the baby boomer dilemma about retirement and Mark
that movie highlighted some dirty tricks. I want to talk about some dirty tricks
they did to people and some companies are still doing it. And Mark,
do you know what happened to me? Do you know I had a pension
I've been paying in for years and it was a guaranteed pension, and they
did everything they could to talk me out of it. Now I did get
out of it, but they I was lucky enough to find another product better.
But they pensions are dirty. They want you to pay in for years
and years, but they don't really want you to stay in. Now.
I'm not talking about annuities, by the way, I'm talking about regular pensions.
So in the state of Florida, they were running into trouble with this
pension fund because a pension fund is what's called a defined benefit plan. A
defined benefit plan says you pay in, you're going to get a guaranteed benefit
and we are going to invest money to accomplish that. We'll talk more about
it. It's really important. Thanks for bringing that up. Mark Ken wants
to talk about T Mobile. Ken, what's happening? Hi? Tom?
Hey, what's happening Mobile? Yeah, my father passed away back in October
and my brother's been taking care of a lot of the details. He called
T Mobile and said, my father's deceased, can we cancel this plan?
And they basically wouldn't. Well, that's too bad. Then let him try
to collect. Who cares? Hey, yeah, it's going My brother closed
the account that they were pulling. Oh, and he said, hey,
we don't want any When you say they wouldn't do it, here, let
me let me get this straight. You said my dad passed away. He
had an account with you, and they said tough. I mean, really,
let's be honest. I want to hear what they said. I wasn't
there, but I get my brother. I don't believe. I'm just gonna
tell you. I'm not saying your brother's not telling the truth. They would
never do that. No one would do that with the dead person. They
won't do But let's talk about the facts. Okay. Facts are after he
was deceased, they wouldn't do anything. And he went, you know,
he was willing to work with him. They when you said they wouldn't do
anything, did you send a death certificate to T Mobile? Yes? He
said, Hey, man, I mean we've done everything, but exum,
my father's okay, send it to him ken ken so okay. So,
and by the way, I'm sorry your dad passed away, and and and
you had to deal with this. I really don't want to just gloss over
that. But bottom line is, since then are you telling me they've been
racking up charges? Well, first of all, the charges were nominal,
but it was a principle. Well, of course it was. But Ken,
what I want to know is what are the consequences. They're not going
to put a claim in against the estate. It's over his contractual obligation ended.
Now if a phone hadn't been paid for, they they have put him
into they have. You know, my brother called their collection people and as
of now, I think they want three hundred dollars Ken through now, he's
not listening. He's not listening to it. When you're not listening to what
I'm saying. If part of the contract was paying for a phone, and
a phone is not paid for and your dad dies, that's a different story.
There's two kinds of parts to a cellular contract, equipment and service.
If they were charging him for service after he died, not before, but
after, they can't collect after he's dead. If they're charging him for a
phone, they can keep charging until it's paid. If they were charging for
service and he had an account receivable. They can also keep collecting that,
but it goes against the estate. So in your dad's situation, I need
to know a couple of things. No story's just facts, Like you said,
did was this for equipment? Honestly, I don't have that information.
Okay, I can call your helpline and get it. Ken, I'm going
to tell you that it is because see let me tell you why. Because
Team Mobile or any business, they're not going to waste time and money and
collections on someone who's deceased for service they did not use. However, if
there was an account balance at the time of his death, which happened while
he was alive, for any reason, for service or for equipment, then
his estate would have to pay for it. But even then, if the
estate pays all the priority bills, that they're not. And by the way,
did you open let's just talk about this. Did you open probate for
your dad? No? Why? No? Why? For a very it's
reasons, it wasn't an issue. There was no you know, the way
the assets were dealt with. Are you saying you didn't need probate? What
kind of assets were there? Candidly, I don't want I don't know and
I if okay, well, Ken, I don't have enough information, but
I will tell you this. There's no way they can collect period, So
it doesn't matter. Let them collect all they want. I mean, what
are they doing, how are they going to collect? I mean, does
it just bother you? Ignore it, ignore it, throw the mail away,
throw the court summons away. You and your brother are not personally liable.
And I wanted to let people know that this is how teen Mobile does
business. Well, we don't really know that because, as I said,
if your dad, I want you to call me back and let me know
exactly what happened, because I really don't know. I really do. If
they're trying to collect service after he's deceased, which I know they're not,
then it would be a bad thing. They're trying to collect probably on a
phone he never paid for or did not complete paying for, or a balance
due upon his death, but either one of those, even those they can't
collect. Now they have a right to go against the estate, but if
you never open to probate, they have nothing to go after. If all
of the assets were dealt with outside of probate, now that's a whole different
story. Where they dealt with properly blah blah blah blah blah. But for
three hundred dollars, I doubt T mobile is going to open up a probate,
so I would forget about it. Three zero three seven to one three
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You don't pay a cent until you're content. Time for an insurance check
up free, no obligation. In comparison, call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three oh three seven seven
to one. Help. You'll think you're his only customer when you choose Frank
durand the real estate Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two Hey, I'm Tom Martino, your
troubleshooter. Three oh three seven one three talk three oh three seven one three
eight, two five five. Back to the phones. Anything on your mind,
Give us a call three oh three, seven one three talk or three
oh three Martino. Frida want to talk about an ATM? Hey, Frida,
what's happening? You know the good thing about ATMs? Nowadays everything is
on camera. Go ahead, you hope so, but people keep telling me
that those cameras are not actually taking video. I hope they are because that's
the only way of the situation. What happened? What happened? Every month,
I go to the ATM and I withdrews the hundred dollars cash out of
my prepaid debit card where I get my direct deposits for my disability. Okay,
now is this Social Security disability? Yes? So okay, pounding out
my cash and the machine shut down and now functioned. Oh my goodness,
gracious, hold on. So you put in your card and then it was
counting your money and went dark exactly holed up a couple of times, and
it kept going there's a cable unplugged, and then it said the system is
temporarily down, and then I waited a few more minutes and it finally booted
up, and it said, please in search your card to begin your transaction.
No money, no cash in my hand. My bank said it was
out, that it had come out of my account. But where did it
go in the vapor? No own, my god, hold on, it's
free to I kind of believe, I mean not kind of. I believe
this kind of stuff. This sucks. So here's what's happening. You're there,
it goes dark, comes back on and wants you to start over.
But that money's not there anymore. Exactly. I think it's done my transaction.
We're done. I have no receipt. Yeah, but there's a camera.
How long ago did this happen? On the thirtieth of March? And
I've got my my prepaid debit card is supposed to be disputing it. The
Canyon City Police Department is wait, so you're in Canyon City? Yeah,
and it was what date was it? March? What thirtieth? Okay,
listen, there's got to be there's got to be a way that they look
at this tape. There's got to be well, you think so, but
it was on the it's built in inside. Wait, is this is this
a bank or is this just out somewhere? You know, where is this
machine? It's in the wall of the bank at the First Interstate Bank and
there's no printing on it. Nothing, It's just got the First Inner State
logo on it. You know what I would do for you to I would
take them the small Claims court. Well, why not just go into the
bank and talk to him? I called the bank on. Well, that's
not what I said. Why wouldn't you just go into the bank and talk
to him? Give him the date. Did you get a receipt saying that
you got six hundred dollars? No? How do you know it was taken
out of your account? Well, on my account online it shows that it
came out, and I don't. Does it show it came out on that
day? Yes, Well, you know what I would do. But I
called the bank. Let me tell you, Tom. I called the bank
and they said, this is not our ATM. We have nothing to do
with it. It's whose ATM? Is it? It belongs to money Pass?
It's in the wall of their damn bank? Yeah? And did you
call hold on? Who did they say it belonged to money Pass? Money
Pass tractor. Yeah, it's an independent contractor that works for with money Pass.
Where does the money come from? That's wait a minute, Where does
the money come from? That's inside the machine? Does God make it?
Where does it come from? He services it, He puts cash in it
and takes out, reconciles it every day that they won't tell me who it
is. Does the bank? I would say, the bank gets paid for
having that there? I'm sorry, I think it's the bank's problem. What's
the name of the bank, first Interstate Bank and it's in Canyon City.
Yes, yeah, that's one of the problems right there, I'll tell you
is Canyon City. I mean, I just think they're backward. They don't
they don't have an idea of what the hell it means for customer service,
I think. I mean, it's really sad. So well, I'm standing
they're not nobody. I can call them bank, Well, you got me,
you can call them. We're going to call them and let's see I
think uh recording of the last time I called them. Anyway, that's Canyon
City Bank. Here, here's what we're gonna do. Deputy Dollar, Deputy
Dollar. He was, by the way at the movie last night. We're
gonna have him call, and we're also gonna give you some instructions too on
a small claims court. I swear to God, if you go to small
claims court, it's a breach of contract. That's right, Tom. There's
the bank, and I'll tell you why can I explain why you can serve
the bank and the name of that other company both, but you give it
to the bank. That bank is their agent. They can't erase themselves.
They are somehow being compensated to have that machine in there and this person that
comes and services it. I don't care what they do. That bank gets
paid for it. They don't do it as charity. I wouldn't think so.
And once you file that, they're gonna look for your damn money or
they're going to contact the guy. In fact, I want Deputy Dollar to
tell them it's not a free ride. They don't just get to say I'm
sorry, it's not us. My god, I just can't believe this.
So it's first, what bank is he calling? You need to know this
can happen. What okay? First, what I said, That's what I
wanted to call you. First bank, what is the name? It's not
it's first what I didn't write it down? First? Interstate bank? Okay,
got it? Okay, Now here's what I want to know. Okay,
what are you doing for money? Well, I can't make in the
house payment and stuff like that. I'm happy to call him and tell him,
hey, you know, thank making new original credit. But they said
they did. I'll know it's in ten days by writing. They haven't written
me, they haven't called me. I'm gonna have to wait forty five days
to get anything resolved. Yeah, sorry, yeah, yeah, this sucks.
Now you're not going to wait for hea any I did it? You
don't have it? You know? Well, of course they do. They
have a fitty oh or they can get access to one. I don't care
what they say. By the way, is there a camera there? Yes?
Okay, you know what, Deputy Dollar, you tell these jerks to
look at the damn camera. Three oh three seven to one three talk seven
one three eight two five five. We're gonna take this on as we take
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com. You don't pay a cent until your time for an insurance check up
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insurance companies find out now three all three seven to seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three all three nine two zero
sixteen twenty two. Hey Tom Martino here three all three seven one three talk
seven one three eight two five five off the area. We were talking about
electric cars and uh, you know, uh, Tesla did something really smart.
They made a they gave everyone on this latest update. They gave them
a free trial for thirty days of the full Uh what do they call it?
Auto drive? Right? Well? Full ut. So my son got
it and said, oh my god, I can't believe it. And Mark
says he can't live without it now. And you can buy it by the
month, or you can buy a lump sum. Is that lump sum for
the year or is that lump sum for life? It's for the life of
not only when you own the car, but when you sell it. It
follows. But you chose to go monthly because you're not going to help it
that long. First of all, the reason they decided to let everybody use
it is because it's finally out of beta, or it's far enough in beta.
For a long time. Up until like a month ago, you had
to qualify to use it, even if you paid the two hundred bucks a
month, and if you drive fast, you simply would not qualify to drive
mar Tesla. Notion dries. It makes sense. It does. Here's why
it doesn't make sense. Two hundred bucks a month is a steal because if
because otherwise, if you pay fifteen grand, you know that's the equivalent to
paying seventy five months. I mean, in other words, yeah, I
get it. No one would ever buy that. Why would you? No
one's going to keep the car six years? I wouldn't think so at all,
man, And why would you care when you sell it that somebody else
gets it? So I wouldn't pay increase? Well, I'll bet you not.
I'll I guarantee it does. Of course he gives it, I'll drive.
Oh hold on, I'll bet you people in their minds would say this.
Am I going to pay ten or ten thousand more, fifteen more whatever
for this car with auto drive? Or am I just going to buy one
and pay two hundred a month? I don't know. I still don't think
the lump sum ever makes sense, But maybe I'm wrong. Let's put it
this way. You wouldn't buy pay a lump sum ever, right, even
if you bought a brand new car? Would you? Mark? Well,
I didn't even really contemplate it because once again, it was in beta,
and I knew I'd never qualify for the beta. Do you still have to
qualify for the auto drive? Now? No? But what it does?
Do I learn this? It will? It says it'll pull it out if
you screw up four times? Now, how do you screw up? You're
not paying attention. Your hand's not on the wheel, and it warns you
a couple times, and that's how I mean. Or I think it's looking
at your eyes now too. In fact, I know it is. I'm
not sure what camera, but it's making you pay attention, which is good.
That's going to keep them out of lawsuits. Oh my god, Dennis
is on the phone here, and you got to look at this picture.
No, I did, my god. Listen, I'm gonna put this picture
up before you talk it. Well, I mean talk about it, but
everybody out there listening, if you go to on YouTube channel, Dennis,
I want to get an attorney on before I take your call. So I
want Kachina to work on that. And I imagine Kachina is out of her
depression now right over at Purdue, is she? Is she back to normal?
Yeah? I'm good. Thanks. We don't say the P word here.
What was it? I'll tell you what what they lose by like forty
but Mark, guess what, they were one of the top two. They
were the top two teams, so you know they didn't win, but they
were guess what, they were the top two in the top two. That's
pretty damn good, Mark. It was not forty. It was fifteen.
Oh fifteen, Shut the hell up. Fifteen's not bad. That's a lot
better than forty. They lost getting out of the shower. I heard they
were playing a high school team too. Is that true? All of you
guys can bite me. I never went to a college and had any sports
of any note. They were all just dogs. Didn't you go to Syracuse?
No? No, all any I mean, Sonny, But here's the
deal. They what are they known for? Nothing? And then before that
it was a community college in Florida. Well, same for New York City
residents. Tom, we had no college teams. You went to a college
in the city. Yeah, you know what was amazing about Mark? Hold
on real quick about March Madness this year? If I read the article right,
the women's basketball Final four pulled more numbers than the men. Think about
that. That is absolutely unbelievable. It's because of Caitlin. She's a superstar
man. Yeah, and you know, yeah, hey, Jackie, what's
happening me? Yeah? You? How are you? I didn't know you
could hear. I'm trying to tell my dog to shut up. What kind
of dog is it? Oh? He's a mutt. He's labing something else.
But he's not very big. Is he smart? Is he smart?
Not? Really? I love when people admit their dog and kids aren't smart.
Anyway, So jackidle yeah, Martino doodle, Hey Jack, what's going
on with the post office? Oh? It was terrible. I don't even
know. I went in to put in a change of address with the post
office. I did it many years ago, and it was a couple bucks.
So you actually went there to do this no years ago. I did
it online and it was just a couple bucks. And they wanted to get
credit cards easy, right, And this time I was taken somehow to another
company that's right, looked like the post office, right. I know it.
I know because I listen. I was doing this for one of my
relatives and this happened, and it looks just like it. And and okay,
so what they usually want to do with a change of address is sell
you all kinds of upstuff. So anyway, you thought you were online with
the post office, right, right? It took me right there under post
off office. It's a change of address. So I put on that length
filled it out. They wanted my credit card number, which I knew.
That's fine. I thought a couple of bucks. Again. The next thing,
by the way, I never got charged for a change of address.
Oh I didn't either, no book, okay, but but I never got
charged. So that's the first clues. So then what happened, Well,
I found out they never had a price on there is nothing. So what
happened? What did it turn out to be? Well, I wrap it
address dot change dot com. That's where I ended up without knowing it.
Okay, so charged me sixty eight dollars. Wait, wait, rapid,
address change dot com right, and and ended up charging you sixty I thought
you said it was two dollars. No, when she did it years ago,
it was oh right, years ago? Oh oh no, I have
Yeah. I had no problem giving my credit card number too, because it
wasn't a pose. I thought, a couple of bucks. I don't care,
Rapid, I'm going to the website, okay, okay, keep going.
So after I found out that I had to go back and put my
change of address with the post office, I wanted it to be with the
post office. I didn't trust this. Now. Then I got charged after
doing this in the post office. I got charged one hundred and seventy nine
dollars ninety five cents to change my address. No. By the way,
when I go to this site, rapid Address Change dot com, it comes
up with this. It comes up with this click offer. And I mean,
I don't know how you could ever mistake this ever, ever, ever,
ever, for the postcar being the post office, ever, ever ever,
but I put it in there. When I put in post office change
of address, I can't even get to the site. It makes you.
It makes you, It says unpause your account to remove this banner. I
mean, I don't even know what this means. Mark, When you go
do that, see what you find. Rapid Address change dot com. How
about this way? How about if you just type in change of address post
office. Okay, I'm gonna do you mean as a search right now?
Did you do it in Google? Yes? Okay, because I don't use
Google anymore. Let me go to that. Okay, uh, change of
address that's all past. Okay, change of address post office? Okay,
hold on, okay, And I want to see what they pay, how
their SEO is. And the very first one that comes up is called Mover's
Guide. That's but it's it's genuine. The second one that comes up is
genuine. The third one that comes up is genuine, the fourth one that
comes up as genuine, the fifth one that comes up as genuine. I
keep going, I don't find that anywhere on mine. But who cares?
She already paid it. Yeah, oh right, it took me. Why
don't you just contest it on your credit card? It's my debit cards for
my bank account. You can still you can still challenge it. Yeah,
but Tom, there are a lot of things. There are a lot of
these scammers that do something that that actually do the process that you can do
for free, but they charge you to do it. So there really isn't
anything that you can complain about. Well, Mark, I mean, I'm
a doc, you know, I get that with other things like renewing your
you know how you have to die, you have to like your corporate reports
and things like that. Yeah, you get these messages and they make it
look like it's official and all of that. So Jackie, what are you
calling to let other people know? What are you calling about? Because it
might be too late? You're calling to warn people and I should have doubled
triple check. Do you know do you know how many people get stung?
Not just with this, but with all like, how about when they google
their bank or think they're going to their bank? Yeah, I listen.
We've had people on the show that have lost fifteen and twenty thousand dollars thinking
they were on their bank site. We got more coming right up. Go
with a sure thing Denver's best roofer Excel roofing dot com. You don't pay
a cent until you're content. Time for an insurance check up free, no
obligation. In comparison, call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three out three seven, seven to one.
Help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi Tom Martine, you're a troubleshooter. Can
we get John Fuller on now? Maybe not now, let's do it right
after the hour. I'm going to take him right now. No, no,
hold on, better yet, it's too late, Dennis, hang on.
I don't want to rush you through this. This is an incredible thing
we're going to talk about with this dog bite and we're gonna put up the
picture as well. But Julie, this is real quick. I'm just going
to tell you straight up. You got a call from somebody who said they
were from the sheriff's department, right right. What did they want? Oh?
He wanted me to call him back. I'm the only thing that I
care about is that he I mean, once you have somebody's phone number and
kind of their name, you know who they are. I mean, everybody
knows that. It's stand. I called him back. A sheriff's department doesn't
go ahead? What did they say? So? I want to speak to
your supervisor? And he said, oh, I need to know your name
and who you are. And I called him from a different phone and I
said, what did he say? He? What did he say? He
wanted nothing, absolutely nothing. He would not tell me anything. And the
only thing I worries me is I called him back and said, yeah,
well you're not the sheriff and I don't care. And hey, can you
give us that number off the air? I certainly will good. I want
to play with that number. So I want you to give it to us
off the air, because obviously you know, here's what it is. Most
of the time you didn't show up for court. There's a summons for your
arrest. Blah blah blah. Give us that number. We'll have some fun
with it. I'm Tom Martinez. We got more coming up on the Troubleshooter
Show. Now we'll go back to a Compass Insurance Group two because they're getting
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estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two ripped news you needed, that's who you don't have
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this is the Troubleshooter Show. No Tom Martine. Hello, I'm Tom Martine.
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dot Com three oh three nine zero four two thousand. Okay, Now,
John Fuller, you hear me talk about my accident lawyer dot co. He's
a personal injury expert as well. Of course, Now I want to talk
about this with Dennis. He sent us pictures, and god, I want
to know the circumstances. But the pictures are horrendous. I mean, a
chunk out of your door. Is that your daughter? By the way,
yes, sir Dennis. How old is your daughter? She'll be twenty one
in July, and she had this chunk taken out. Can you explain the
circumstances from the very beginning? Okay, John Fuller is listening. He's a
personal injury attorney. As I said, we just want to get a perspective
on this. So can you start from the beginning. What happened? My
daughter had spent the night at a friend's house. The dog was there.
She was there, her friend was there. She was walking up the stairs
from the basement. The dog was standing at the top of the stairs and
when they got as soon as she got like eye level with the dog,
it latched onto her face. Now what kind of dog it's I believe it
was a chow minx mm hm, and it just it just jumped up in
bitter face. Did she talk to the dog? And I'm just curious,
like, did she say hello dog because she was walking up? Okay,
no, did the dog And I'm just curious more than any did the dog
leap at her or what lunged? Yeah? For what she told me that
she was just walking up the stairs and the dog. You know, she
said that she had a hat on like a like a winter snow cap with
a ball on the top. Did your daughter go to the hospital, yes,
sir, And what did they do for her? What? So?
What? What had happened is? I didn't find out about this until the
next morning. So how long ago was this? By the way, this
was about one year ago? Oh oh oh, okay, okay, Then
what happened? Okay, so you found out about it? But she went
to the emergency room. Then what So she got stitched up, and she
went back to the house and avoided the dog. We got her the next
day, and so the people that own the dog will not give us their
homeowners and she's going to be scarred for life. I mean, those are
massive. Well hold on, at the emergency room, did they recommend a
plastic surgeon or anything? Yes? Did she have plastic surgery? Not yet?
Not yet. You probably can't yet look at those wounds. Thank you,
doctor Major. I thought maybe that you could. I don't know,
but I'm glad we got your opinion on that. I want to talk about
something. I'm just kidding. I want to talk about something when this this
is a terrible thing. I want to know something though, you meet,
when you ask them for their homeowners they just flat out said no. Yes,
so the people who own the house, they're divorced and the father doesn't
live there, the mother does with the child. Well, how old is
the so called child? Your daughter was twenty when she went there? Right?
Yeah? So yeah, so her child twenty years old? Same thing.
Well, she's not a child, So I don't know if that does
anything. We're gonna let John Way in on this. But the twenty year
old, did she live there or was she there for the night? She
lives there? Okay, now whoo all right, so my my daughter was
referred to an attorney from a family friends. Worst thing you could do,
first, worst thing you can do is get get a referral like that.
What happened? Did you hire them? No? They had. They had
said that they would take the case and they weren't going to charge a fee,
but they were going to take it out of her settlement. Well that's
what everyone does. That's what everyone does, right And now now they're saying
there's really nothing they can do. They can't get the homeowners insurance information.
They're okay, okay, that that attorney that attorney said, we can't do
anything because they won't give us the insurance company information. Yes, I missed
it today. He sign up? Or did this daughter sign up with this
attorney? Did you enter into a fee agreement? No? No, my
daughter was. Well let me ask you something this attorney was It was it
a he or she? It was a she? Was? She? Was?
She a personal injury attorney? I don't know my daughter was. So
a friend, a friend says, go see this attorney. You have no
idea what this attorney's credentials are. You have no idea if she's ever ever
stepped into a courtroom. You have no idea if she was personal injury knowledgeable
and your daughter went to see her, Well, she was. She was
referred because the friend of referred her to this attorney had dealt with a dog
bite with this attorney, and okay, they were going to handle it.
My daughter and my oldest daughter, we're going to handle it. And because
I'll get upset and maybe there is an insurance I just thought of that.
Now, Well, here's what I want to know. You're saying that this
house was was owned by the girl's parents. The girls, the twenty year
old girl's parents are divorced. Is that right? Perfect? And what kind
of house is it? I'm just curious. It's like dollar wise, it's
I would say, I don't know today's market, probably five hundred thousand.
I want to know something from Brian Burns real quick. Hold on, Brian,
Is there a way to find out who's somebody's insurance carriers? Is there
a way not not home insurance? Auto insurance, yes, but not home
insurance. Okay, Now, John Fuller, why don't you weigh in on
all of this and we'll shut up? All right? Well, listen,
here's the deal. I'm going to tell you the problem. I'm going to
tell you what the law is, and then I'm going to tell you what
we can do about it. Okay. The problem is the dog bite statute
in Colorado sucks. It absolutely sucks. The first time bite by a dog,
there's a free bite. In other words, there's nothing that we can
do other than to go and collect the medical bills alone. No pain and
suffering, no compensation for the scar, the medical bills alone. The only
thing you're allowed to collect are economic damages when a dog bite occurs in Colorado
because of the laws that we have. Now, if there's been a history
and the dog has a propensity for biting, in other words, that first
bite has already happened to somebody else, then the statute allows you to go
after non economic damages, which is der classic pain suffering, compensation for the
scarring, all that kind of stuff. But without a history, you're limited
to just the out of pocket expenses. And that's why it universally sucks to
get that by a dog in Colorado. Now let me just say this.
The third thing is that sometimes even if a dog doesn't have a bite history,
we can, and I have, successfully taking cases all the way to
trial by declaring that dog a dangerous condition that the landowners knew or should have
known of, and basically proceeding as a premises liability case. And in the
case that I took, the trial on that of somebody let dangerous dogs out
of a pen and let them just run loose and they attack the lady.
But we, you know, we had reason to characterize the dogs as a
dangerous condition. So there are circumstances in which we can prevail on something other
than the dog statute. Now, the last thing I'll say is this,
if somebody has home owners insurance, and they won't give you that information.
They just refuse altogether. If you have an otherwise viable case and you decide
to file that case, and you know, with a lawsuit, and right
after they answer the lawsuit, the very first thing that they have to do
by law is to provide you with all of the information for any policies of
insurance that they have that might be available to cover the losses that you're suing
about. And so the moment you file the lawsuit, their willingness, their
interest, their desire, and you having that information goes right out the window.
They have to give it to you. Period. Further, they will
have an absolute interest in getting that insurance company involved, because the insurance company
has to provide the defense attorney to provide a defense. And so not only
will they give it to you, but their attorney will give it to you,
and they'll be calling that insurance company so fast it'll make your heads down.
Now here's what I want to know, John, you mentioned, John,
you mentioned the first dog bite is free. What I want to know
is this now. Then you also mentioned, of course you could make an
argument that possibly it's a premises liability. They knew a dangerous condition existed.
But what I'd like to know is, going back to the dog bite,
we don't know if it was the first dog bite. How do we find
out? Yeah, well okay, so yes, you did tell me about
it. So we called the Little Ten police department to make file a complaint,
and we had the Little Ten deputy come out. The animal control guy
he talked to the homeowners would get a nice get together, called it a
level five bite. Super nice guy. He called me back and said it
was the first bite that that dog has ever been first, the first reported
bite, right, John, I mean, how do you know that?
Yeah, you don't, Mark, but you can't just make it up.
So I was going to say, the way you found out list by going
to your municipality and talking to find out whether there had been fire complaints prior
notifications of other bites and that kind of stuff. Otherwise, you wouldn't expect
a homeowner to say, oh, yeah, this dog has bit the postman
and the neighbor and you know everybody else. You can talk to neighbors,
you can try to find witnesses about the dog being aggressive. There are ways,
but it's not as clean cut when you don't have a prior report or
documented about that dog. Right, So the deputy for the Littleton Police Department
had told me that the dog was going to be quarantined at the house,
I believe for three days and that was it. They still do they still
have the dog? Yes? And does your daughter still is your daughter still
friends with the girl? No? Hey, I got a question for John
on this, John, if you can't go over after other damages, besides,
you know, whatever the whatever the hospital bills are and the medical bills,
how about this. Why would an attorney take that? Then why would
someone like you take that? Or can you go after is part of the
cost of legal fees or how does that work? Well? John just said
if it was the first dog by one of the strategies is taking it as
a premises liability case. John, Right, Yeah, what I said was
the statue doesn't offer you a lot of relief. And when I say the
first bite's free, I don't mean that it's free. But since you can
only recover out of pocket expenses, there's not a tremendous motivation for going and
doing it, particularly if the health insurance company you know, demands subregation and
once can get paid back. There's just not a lot of incentive to go
do it. But there are other ways to go about skinning the cat here,
and and one of those is to pursue it as a premises liability.
But Tim, you have to have the facts that that give rise to an
argument that the dog was a dangerous condition of the property. And and I'm
not being flipping about that, but you have to have something to go on,
right right, I'm telling attorney's out there that don't know anything about dog
bite cases and see the picture of your daughter's face and think, boom,
this is the case I've been waiting on. I'm going to make a gazillion
dollars. And I'm not telling you that the homeowner's insurance won't throw own money
at that, just based on the fact that it's a kid. But how
does he even get how does he even get the economic damages right now?
And even a small settlement if the homeowners won't tell him who the insurance is
to him. Okay, so when once you file a suit, you don't
you don't have to go through with it, but you you file a suit
for economic damages? Yep, how much are Dennis? Do you guys?
Have economic damages at this point. One question, do you had the stitches?
And Dennis, I'm asking out of pocket? What do you have?
You know, you know, a deductible going to the er? Really that
was it? What about the plastic surgery would they be on would they be
on the hook for plastic surgery to correct it? John, Yes, Well,
Dennis, that could be a lot of money. Yeah, okay,
so we put together you know, eight or ten thousand dollars, maybe fifteen
if you had plastic surgery on there as well. I mean you can get
you can get a high enough figure to get, you know, procedurally into
the district court or certainly into the county court. But I'm just telling you
people that won't give you that information usually it just shows that they're pretty damn
ignorant about the process, because you know, as soon as a lawsuit gets
filed, they'll be clamoring to get their insurance involved because that's how they get
a defense lawyer. That's that's going to be on their guy. And it's
a duty of theirs to let their insurance company know, John, this is
serious. So I want to ask a question. Most attorneys won't take this
on contingency, because we're talking about fifteen maybe twenty with Plassenger, who knows.
But here's what I want to know. What would it cost do you
think for him to get on an attorney just to file the suit so he
can get the information? You know? The problem with that, I mean,
if you want somebody to go, you know, draft a pleading,
that's something entirely you know, separate. But no attorney is going to sign
on just for the limited purpose of filing the lawsuit, because then you have
to seek permission of the court to get out of the Oh. So that's
that's kind of the deal. Once we're in, we're in until the end.
And so I mean, listen, it's one of those things that it's
just terrible. I hate the dog bite law in Colorado. There are different
rules in different states that this case would be worth an absolute fortune with a
child with with injuries to her face. But Colorado, because we have a
long history of thinking that anything tort related is bad and we must, you
know, we must pass laws to protect your your you know, protective citizens
from uh these these over zealous lawsuits or whatever the reality is. But but
they're just bad. They're bad for consumers. It's no different than the ballid
issue we have coming up this year on the caps that we haven't Colorado.
Our legislature thinks they're smarter than the average jurity when it comes to figuring out
what a case is worth. And we've been doing that and accepting that for
thirty something years. It's time to change it right now, and we have
an opportunity coming. We have to take this break. But Dennis, I
don't know if you're going to get an attorney to file even a lawsuit,
even if you want to pay him. I mean, I don't think.
I don't know if there is a way to compel those people to give their
insurance up. I don't know. I mean without a lawsuit? Does he
do it himself? John? What does he do? You absolutely could do
it yourself. And if you're in the county court level, if your bills
are hire enough to get into that. The very first thing in their twenty
six A one disclosures that have to be filed thirty days after the answer gets
filed. The last section of that form is identify any insurance policies that would
be available to satisfy these damages they had. Dennis, maybe that's what you
want to do, and maybe you just want to hire an attorney as a
consultant to help you fill it out and maybe not take the actual case and
represent you. I gotta run, we gotta take this break. Go with
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cent until you're content. Time for an insurance check up free, no obligation
comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three oh three seven seven to one help. You'll think you're his
only customer when you choose Frank durand the real estate Man dot com to list
your home with Remax Alliance three oh three nine two zero sixteen twenty two.
Listen, Hi, Tom Martino, your trouble shooter three oh three seven one
three talk three oh three seven one three eight two five five. Are we
positive that that's the number, that's the one Julie gave me? Yes?
Okay, all right, So basically that number claims they're with the sheriff's department.
It doesn't come up as a sheriff's department number at all. And Julie
when they first left a message for you. What did they say? He
said, this is sorry, let me try to go to the message without
hanging up. Deputy Callaway, is it? I said, this is Martin
Callaway with the Jefferson County Sheriff's Office. You need to call me back.
I want you to call me back at the extension four nine eight. And
they said the extension number again. Okay, so I'm going to do that
right now. Let's see what happens. Let's see. Do you hear anything
disconnected? Right away? Hold on? Let's try that again. I tried
hold on. I don't it's not going it just it doesn't go through.
Did did it go through when you didn't try calling back? Or you did?
Yeah? I called back. Yeah. Let mean, I don't know
why mine is not going through. It's three oh three five zero two two
eight seven six. I don't think that's right. Just a second, let
me try to Yeah, that's right. I didn't think it was either,
So thank you very much for checking that, because I was told that was
the number. Yeah. I think I think that's close, but I don't
think that's it. I don't know. If I a second, let me
sure if I can go back in there. Yeah, I'm going to tell
you what. I'm going to put you on hold again. We'll see,
We'll try it one more time. Three O three seven one three talk seven
one three eight two five five. I asked them to double check that.
They said they did, so, thank you. Now, Patty's got a
comment on the dog bite. Go ahead, Patty, what is your comment?
Yeah, I caught the just the middle part of that dog bite.
Years ago, I was bitten by a dog as well. I was meeting
with a client at their home. I'm in Colorado Springs in El Paso County,
so they actually don't live within the city part. So anyways, lung
story short. I always tell my clients when I meet with them to please
put their pets away. They had held onto their dogs. When I got
out of the car, one of them nipped at me. And I have
a friend who worked for CSPD, and she said, you've got to call
El Paso County. I reported it. They got a ticket for dangerous animals.
I requested their homeowners insurance because I had puncture wounds that ended up getting
infected. I requested their homeowners insurance filed a claim. They ended up canceling
the claim. I did my own due diligence, looked online on how to
file a claim for them for how to get reimbursed for my medical expenses after
they closed out their homeowners and as your attorney that you use online or for
your show mentioned on getting reimbursed and all that they refused to pay me for
my medical I did not have insurance, so I didn't have to file anything
with the DA somehow. And I can't remember because this was about fifteen years
ago that she got involved and so they had to go to court. Now
bear with me, because I'm trying to remember back then the I was able
to get and I believe, and you're gonna have to bear with me here.
I believe I was able to get a personal injury attorney because, like
I say, I was able to do the paperwork and as your attorney mentioned
on all that kind of stuff, I did all that stuff by myself and
got an attorney to check everything. I believe I paid him like a thousand
dollars and again, and what did you end up getting? I did end
up getting a settlement. He tried to contact me, this client to try
to settle out of court, but my attorney as well as everybody knows you
don't talk to him. He ended up getting a fine. The DA contacted
me and asked me what I wanted done as far as this person, and
I said, and I'm not an animal lover, but I don't want anything
to happen to animals either. Yeah, And I said, it's not the
dog's fault, it's his fault, and he said, he called me back.
The person was fined. They had to put a chip into this animal,
they had to the Humane Society had monitor this animal. Ended up being
that the animal was a rescue from an abused home and so he had to
be closely monitored. And so I did get a settlement from this person.
Yeah, and homeowner's insurance was somehow notified. So, like I said,
I missed the beginning of what happened to this poor little girl. And so
I would imagine that somehow their homeowners will be notified in Colorado from my understanding,
lest the rules have changed. They and I didn't hear what type of
dogs bit her, but in my case, it was and I always mixed
this up. It was a whimer wrinder that are supposed to be friendly,
but you know what. That's good though, because what you said was you
basically said that you can pursue this on your own and be successful, and
that's the bottom line. So that's pretty cool. Three o three seven one
three talks seven one three eight two five five Go with a sure thing Denver's
Best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three oh three seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three oh three nine two zero sixteen twenty two. You
know I'm gonna try this again. I'm gonna call this so called sheriff's department
see if I can get through on this line. It was they're calling people
saying to call back sounds like a scam. To me, leave a message
after the beef, I'm looking for deputy callaway. Please can you call me
back? Three oh three six' two seven eight four six six well,
yeah, I just don't think that we're going to get through to this guy.
You got right through, Julie, Oh yeah I did. Huh.
I kind of kind of got a little angry with him though. Maybe he's
screening his calls. Now, Well, thanks for calling. I'm gonna keep
trying it. But man, I'm telling you you you bring up a good
point. I'm glad we had a refresher course on it, and that is
the Sheriff's department is never going to call you. Okay, there's just not
How easy is that? Now, Chuck? What is your issue with Midas?
Hey, Chuck, what's going on? You helped me a long time
ago, so I really appreciate what you did. What was the I'm just
out of curiosity. What was that problem? I had a skylire car.
I took it into my h to NAPA on and the mechanic he kept it
forever. How long ago was that, Chuck? Oh my god, you
know I was thinking about it. It's like over twenty years ago. So
you took it to I was just curious because sometimes it sparks a memory.
Was it one I took on the air? No? No, no,
no, So yesterday when I called it. I talked to Kelly and said
that I could talk to you on your podcast. Okay, so what's going
on with this Midas. I took this car that I inherit from my folks,
and the breaks were not worse. It was like I didn't have breaks
and I was getting rolled. What tell me about the year making model.
It's a two thousand and three Saturn? Okay? And you took the Saturn
to Midas, Yes, and they did a free estimation free and they would
do, you know, a thorough job finding what's needed? I told him,
yeah, man, I even brought up this my the serpent Yes.
So what did they find? They said, uh, that knew there was
numerous things. It ended like two thousand dollars that I can't do this,
and then so I picked the ones I want to need it. I said,
the disc brakes, can you check the pads and and do the serpentine
and I'll do the brake flush. And they had already given me an estimation
on that that was like a total of four hundred. Okay, so hold
on, Chuck, let's get to that part. So you chose to basically
have the brakes done and a flush. Yes, Okay, now the brakes
the break. What are you having problems with the brakes or the flush?
And now just it's the heat. When I left the car, and then
he called me up a few hours later and he said, your brakes and
your your brake pads in the back rear and my front disc brakes were fine.
But the drums in the back, we're like rusty, worn out.
And at that point she said, we have to take that and we have
to uh what was the spin the drums or something? Yeah, you got
to put them on the lace. So what happened? He said, But
the drums could break? I know, I know it because they're old.
We get it. So go to the park where they did they break or
what? No? No, no, He called me up like two hours
later he said, everything, the drums are, we didn't break. We
got them on. We cleaned that da da da, and hed come come
and pick it up. And at that point, I says, you have
a finance payment plan here, and we got that set up with Snap Finance.
How much let me ask you something, Chuck, how much was this
all going to cost? What I set agreement with for four hundred and some
bucks? Okay? And I got and it cleared with the finance companies.
I can make three payments in one hundred days, so okay, and I
took the car and I felt the car felt good. I said, well,
this is so good, and it just got it started. I couldn't
go over thirty or thirty five miles per hour. I put the brake.
Okay, here's what I want to do. If you can do me a
favor, tell me what the problem is today. It's work, like I
told the system manager. Took the car back and I said, it's feel
worse than I did before. All right, hold on, we'll come right
back to you. Chuck. Now, I understand you spent that money.
You got to make payments. You're wondering what the hell is going on with
this? By the way, Genesis Total Exteriors dot com. Did you hear
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to one help. You'll think you're his only customer when you choose Frank durand
the real estate man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi Tom Martino here three three seven
one three talk. So Chuck has a problem with Midas. He took his
two thousand and three Saturn to Midas free estimate for two grand. He couldn't
do it, but he said for four hundred. He's going to do the
break thing through staff financing. Now he is the problem because he says it's
worse than ever. Are you saying there's no improvement in your brakes? Chuck?
No, there's no no improvement. What do they say about that?
They have a warranty? What do they say about that? Well, when
I went back to him, I said check can you? He said,
what's going on with the car? And I said it's And I gave him
the same Chuck. Let's get to the part where he gave you an answer.
What did he say for another seven hundred dollars it would cost it for
new drums and new pads. Now, hold on, but he just did
a break job for you. Why will it require another seven hundred dollars because
he he just spin the drums. He said the brakes and the disc brakes
and the pads were fine, and he did a spin on it on it,
and now he has to replace with new drums and some pads. Yeah.
Yeah, But what I'm saying is they should at least give you some
credit for the old work they did if it did not help you at all.
I mean, here's what I want to do. I want to give
this to Deputy Doc to call and to see what he can do to help
you. So hang on, okay, we're gonna call over there and see
what the hell's going on. Three oh three seven, one, three eight,
two five five more coming up. Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for Anturan check up, free no obligation comparison call Compass insurance paying too
much your coverage at dozens of insurance companies find out now three all three seven
seven to one. Help. You'll think you're his only customer when you choose
Frank durand the real estate man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two. Yeah, d need it
so you don't have come. Run in as fast as we can. Shooter's
gonna help come man. Six is the Troubleshooter Show. Now Tom Martino,
Hi, Tom Martino here, Welcome to the show. Three oh three seven
one three talks seven one three eight two five five love doing the show.
Thank you for being here. Waterpros dot net can do a whole house water
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oh three eight six two five, five five four. Now back to the
phones. We got a lot going on. We got compass insurance with us.
Say here's one thing I want to ask and I'll go to the wide
shot here Brian Burns, Compass Insurance. I'll go right to the phones.
Please get your calls in three oh three, seven to one three talks seven
one three eight, two five five or three oho three Martino, that's good
twenty four to seven. If you're listening to a podcast, Brian, premium
increases. I ask for texts at five seven, seven, three nine.
Put Tom in the in the title. People are complaining about the same thing.
And that is why our insurance rates going up. And I think it's
because of all the storms, right bottom line, go ahead, Yeah,
last year specifically, and it's been a bad had a few years for Colorado,
but last year was one of the worst hail seasons that that Colorado has
seen. So yeah, insurance companies, there's a lot of them that shut
down new business last year. So what are the average rate increases? Oh
my gosh, I would say most the ones that we see coming in,
I would say are in excess to twenty percent. God, some are I've
seen them, you know, without acclaim. I've seen them going up sixty
percent. Oh my god. Yeah, there's the rates are going up,
and the problem is, uh, you know, let's say you take a
twenty percent rate increase. We're shopping around, We're contacting our customers and saying,
hey, your rate's going up twenty percent. Here's what's going on.
A lot of times we can't find a better deal. It's still the best
deal after unless you're really wanting to cut coverage, and you can. You
can cut coverage and get your costs down if you want to. You don't
want to do that, no, but we give people the option because you
know, when you say when you say cute, don't you don't mean cut
the value under to what it should be. No, I mean more of
much higher deductibles or root. It's really where your premium is coming in.
Why it's going up roofs, that's it. It's it's hail. It's it's
wind in hail in Colorado. So if you take a higher deductible for that,
you could pretty much be normal. Yeah. Or let's say, you
know, we're letting them know, Hey, you know what you've got right
now. We have carriers that do uncapped replacement cost that is almost impossible to
find now. And so even with the carriers that offer it that we have,
some of them won't do it anymore. And so we always tell people
listen, we can move you, but you're going to lose that is is
that important to you? Do you do you really want that? Or you
know, if they go get a quote in the market, they're probably getting
actual cash value on the roof and we just say, hey, we can
do that if you want it. It will lower rates. But is that
So you got to find out what people want to do. Do they want
to take on more of the risk and get their rates down or would they
rather pay a higher rate and have you know, better coverage. All right,
so that's the insurance checkup we're doing. Maybe you're paying too much unnecessarily,
maybe not. Maybe you can have better coverage cheaper or for the same
price. Do a free insurance checkup at three h three nine nine six nine
thousand right now. Now, Tim was on yesterday and he this is the
weirdest problem we've seen. And I talked to Deputy Chopper about it, and
here's what happened. The price of this one vehicle he was interested in was
advertised as having a toe package. I just want to say this straight up.
I've done some research on this planet. Hyundai sucks. I wish I
didn't have to say that because the owners aren't bad people. But Planet Hyundai
sucks. They suck. I don't know if it's intentional or not, but
they suck. First of all, their definition of a toe package is alone.
They're the only ones that call a toe package wiring, and not even
complete wiring, just wiring from the front to the back. So if you
ever want to do towing, there's some wiring there. Everyone else in the
industry calls a toe package a hitch, the actual receiver and firing and the
receptacle receptacle. Now that's what ninety nine point of the market calls a tow
package, except Planet Hyundai, because they want to be able to advertise a
toe package on their prices and make people think, oh, that's a great
deal, and they call then they find out, no, you got to
pay another grand for the toe package. So Planet Hyundai is purposely, in
my opinion, misleading consumers. Purposely purposely because even Hyundai itself disagrees with Planet
Hyundai on the definition of a toe package. Now, if that's not bad
enough, Tim called and he said, all right, let's get past the
toe package. I'll just buy it. He was willing to buy it They
wouldn't sell it to him at that price, not even without the toe package.
They told him it was a mistake. So they corrected the price online
and they put it up another thousand dollars. We had someone else call.
They would not sell it for that price. So what is an advertised price
for Planet Hyundai, the so called one stop shop, the one price shop.
It's to get you in the door, and, in my opinion,
to bait and switch you. That's my opinion of Planet Hunting. Now.
When Tim first called, they gave him a hard time, said they wouldn't
do that. They're too nice, too sophisticated. I've been around too long,
sell too many cars. Nope, they do. I'm gonna hope it's
not the ownership, and I don't want to go into why. I'm hoping.
They have some errant managers, supervisors, sales managers, web people.
They suck, and I advise people do not go to Planet Hyundai. Do
not. Okay, there's no two ways about it, because I'm going to
add insult to injury. I wish Deputy Chopper was on, but he's not.
Yesterday, after we started talking about this, the one unit we were
talking about it went from thirty seven something something something to thirty eight something something
something, and after we talked about it on the air, Tim, it
came down to thirty five something something something right right, And then after going
to thirty five something something something, it went back up again to thirty eight
something something something. I think they knew we were talking about it and put
it way low to get phone calls and then put it back up again.
Tim, are you there or not? If not, I got to move
on, Tim, I are you baffled? Are you baffled by this?
I just don't know what to do. Tom, I got it, Well,
just go somewhere else. I wouldn't listen. I wouldn't do business with
him. If these people are this, If these people are this, if
they are this crooked about pricing a car, how can you depend on them
for anything? Well, if I could get the car, buck, I'm
I wouldn't be dealing with them on service or anything. Yeah, but why
don't you just buy it somewhere else? Why do you have to buy it
there? Go to McDonald hunday because it's not as cheap, it's not the
same price. And now, wait, are you telling me? Even when
they flim flamm you and raise the price. It's still cheaper, No,
not that they raise the price. Well, then that's where I'm saying.
What good is an advertised low price if they won't honor it? Right?
For Colorado Spurts, that's obviously a lot of that for thirty six thousand something,
but it includes a ten year, one hundred thousand dollars lord, and
that sounds fishy to me. Well, did you want us to wait?
Have you called them? I emailed them and I haven't gotten anything back.
I don't do well on the phone, Tom, I'm hard of hearing.
Well, here's what I would do. This is truly what I would do.
Where do you live? I haven't thought, oh, okay, when
you said you're far enough away you wouldn't go back. I didn't know what
you meant. I thought you were out some god forsaken place. You're right
in Thornton. Oh No, but it's a long Moneys from Thornton over to
Golden Here's what I want you to do. I would go to JFR Cars,
but only if you talk to Rodney. He's one of our people over
there. Now, here's what Rodney will cars. Yep, they're they're a
dealer. But but they're also brokers. Okay, they don't inventory, they
source, well, they do inventory some, but what they do is they
they they will go out and acquire cars as well. Okay, Now when
you go there or call, I want you to talk to Rodney. And
here's the phone number. Ready. Oh no, I'm not ready. Well,
I'm gonna. I'm gonna put you on hold because I don't want to
do this with everyone. And it doesn't matter. She fur cars is three
oh three five two zero sixty eight thirty nine. And here's what I want
to tell you about Rodney. He'll go out and source that car and sell
it to you, and then he won't put up with all the bs that
you have to put up with. And I used him one time when I
was looking for a car, and he cut through the mustard when everyone was,
you know, charging over invoice and all that crap. He took care
of me. And that's that's the only way to do it. Thanks Tim.
Three oh three seven one three eight two five five. People avoid Planet
Hyundai, Please avoid Planet Hyundai. Jim, you have a question about a
trust and taxes, Go ahead, Jim, Yeah, but I have his
U one of the suggestion. UH. Twenty years ago, my mother passed
away, since she had a trust she left me the beneficiar of For the
last nineteen years, I've been getting distributions from that trust and it hasn't been
tacked. Is when my mother money in it, they were taxed at that
point in time. This year, First Interstate Bank got a new person's doing
this for them, and they taxed me and all of my I received from
there, even though it's been taxed by that by the federal government before.
UH. I have called him a couple of times. I've talked to him,
and the only answer I get is it's taxble. No reason why.
No, I want to know, why is it taxable? Well? Hold
on a second, hold on, Jim, hold on, I'm here.
I have never heard of a trust where you're not taxed. I've not heard
of one, so it could be they were making a mistake. But I
want to I don't want to maybe I'm wrong, So I want to talk
to one of our estate attorneys and ask him about it, and then maybe
we have to go to one of our accountants. But but I have another
question. You said, it's with what bank, First Interstate, So why
don't you just move it. Well, yeah, but I've got a great
big tax this year which I'm trying to get resound. Okay, I understand
that, but we're going to talk about that first. Okay. I want
you to hang on and we'll get our expert because I don't know enough about
it to let you know about the tax implications. How much is your tax
bill? It's going to be an additional three over three thousand dollars thirt eight
hundred dollars. And what percentage is that? Oh? I have no idea.
I'd well, let me ask you what tax bracket are you in?
Do you know what your what is the total income you get gross in the
past years from that trust? How much a year I've been I've been doing
about twenty five hundred, twenty five thousand dollars a year. Yes, okay,
so you're about in a thirty twenty something percent tax bracket. Twenty.
Well, here's here's what I want to know. Something else I want to
know, No, not quite twenty. But anyway, what I want to
know is if you this is an irrevocable trust, right, Yes it is?
Are you special needs? Know on that? And the reason I ask
is I wonder why that was left to you that way. Did your mom
not trust you? I think she was convinced that I might squander the money.
Okay, Okay, that's what I thought. Okay, hang on and
we'll get an expert for you. I'm Tom Martino three O three seven to
one to three talk more coming up. Go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison, call
Compass Insurance paying too much your coverage at dozens of insurance companies find out now
three O three seven to seven to one help. You'll think you're his only
customer when you choose Frank Durand the real estate Man dot com to list your
home with Remax Alliance. Three oh three nine two zero sixteen twenty two.
Hi Tom Martino, you're a troubleshooter. Three oh three seven one three talk
three oh three seven one three eight two five five. Welcome to the show.
Let's continue here. So Brent Keel is with us from Kiel and Park,
their estate planning attorneys, law KP dot com. I'll give you that
number later. But Brent, I have a quick question. I don't know
if it's quick or not. But Kim says his mom left him an irrevocable
trust and he gets income from Okay, yep, and it's at a bank,
and for years he's been getting twenty five thousand a year. This year
for the first time or for the pet tax here twenty twenty three the Jim,
let me get this straight before I tell Brent and he can listen.
It's a tax bill, Is that what they said? Yeah, it was
a K one form that they sent me, and they had there's additional money
I've been receiving all year long. No, No, on the K one
does it specify because k ones don't specify the tax that you owe. No,
So it's the income that they say that I'm receiving. Well, you
are receiving the income, I am. Okay, So I thought you told
me that They claimed you have to start paying taxes on the income. So
I've been paying tax on the income distribution out of the trust fund itself,
out of the principle of the trust fund. Okay, Jim, let me
ask you this then. So I got it wrong. So for years you've
been taking twenty five thousand a year and you've been paying normal income tax.
Is that right? That's right? Okay, I'm sorry, I misunderstood.
I get it. But this year or in tax year twenty twenty three,
in addition to the normal income tax you paid, they are now telling you
there's an additional distribution from the principle. That is correct, and you have
to pay tax on that distribution. Ye, that is correct? Yes,
okay, I am not sure. Now that's a whole different thing that I
understood. Brent. Do you understand why this is happening or should we talk
to an accountant on that one? You know, it could be a number
of different things. You know, working with an account would ultimately makes sense
to help with the filing on it, but it could be a number of
different things. When your trust is an errorvocable trust, it sounds like yours.
Is that trust has an obligation. You know, it has its own
tax identification number, has the file with the RS, and has an obligation
to pay tax on the income the trust generates. Now, if they distribute
that income out to you, it's called distributable net income. It goes out
to the beneficiary. Then the beneficiary is the one that pays the tax on
that income. And it sounds like that's what's been happening for a lot of
years. Usually doesn't paying the tax on the income that it's been receiving the
dividends and the interest. Yeah, okay, that's exactly what I would be
expecting to happen, is it. Why did they make a distribution from the
principle to him this year or last year? Let me ask you, Jim,
they did they distribute twenty five thousand of income to you and then also
make an additional distribution of principle. That is correct. Yes, I've been
paying on the earnings from the trust that they're making, but they're giving me
an additional appro at twenty five thousand dollars. Wait wait, wait, so
wait a minute, So you're getting not only your normal twenty five thousand,
but they are claiming that you got an additional twenty five thousand. Jim,
you're not making sense. You said in tax your twenty twenty three you got
twenty five thousand dollars worth of income like you have been doing in past years,
and you were prepared to pay the tax on the twenty five thousand.
However, that K one is stating you got not only that twenty five,
but an additional twenty five. No, that of one varies. It's the
income their trust is receiving. I pay tax and I haven't done it all
along, but I'm getting an additional twenty five thousand dollars from the principal in
this trust. Okay. Wow, So, Jim, I think you're missing
Go ahead, Brent, do you even understand what he's saying? I think
so. I've got some follow up questions, but it sounds it sounds like
they've been distributing just income in the past, but this year they also distributed
some principal to you. Is that correct? No, They've been distributing the
principle and the in the income for nineteen years, now, okay, because
that's how I think. Okay, So, so they were each year you
get a portion of income and a portion of prince, a portion of interest
or earnings, and a portion of principle. Is that right? That is
correct? And and this year it changed and you got extra principle. No,
this year it hasn't changed. Of what of the money that I've been
receiving, what has changed? The munket reported as income on the K one
form it's a twenty five doubs. I've been getting out of the principal every
year. Okay, so usually and correct me if I'm wrong, Brent,
usually if taxes were paid going in. She he doesn't pay income tax on
the principle, is that right? Is that right, Brent? He only
pays on the earnings, right, correct, that's where the income taxes on
out. So I think what happened is in the past years he's been paying
a level tax based on the amount of principle that was coming out. And
I think maybe the trust didn't make as much money. I don't know,
and more principal came out than earnings or excuse me, less, I don't
know. Something happened in the formula. It could be that the trust distributed
out more income actual income this year, yes, okay, and more income?
Does that? Jim? Does that K one? Say that you got
all of that extra money from principal? Yes, it does. Well,
Yeah, there's something wrong in the area. I don't think you're reading it
right. Well, no, they didn't tell you right, You have a
K one right, Yes I do. Did you get a K one every
year? Yes? I did? Yes, Okay, can you do me
a favor and we'll have somebody look at it for you and we'll keep it
confidential. If you want to send us some past k ones and this year
and twenty twenty three is the one. You have a question about the K
one for twenty twenty three, right, that is correct. That's the first
time I'm getting. Could you do me a favorite? Can you send us
a twenty a K one from twenty one and twenty two and twenty three?
Yeah, I think I got cotton dulos. If you can, we'll have
someone look at it, one of our accountants and figure out why so so
the net result to you was more tax. That is correct. Okay,
do me a favorite. Jim. It sounds like you understand exactly what's going
on. Send us copies of that K one because Brett, wouldn't you say
K one's are going to tell the story. They should at least give you
some more information. They may not give you the behind the scenes story as
to why there's more income, but my guess is it will tell you,
yes, there was more income generated than the trust, and the trust is
always going to pay out the end the income before principle. If they can.
Yeah, but what what he's saying is the exact opposite of that.
He's saying it wasn't more income, he got more principle. And that doesn't
make sense because you don't pay tax again on the principle, So that part
does not make sense. The principle would have been passed right on to him
without tax. They make you take out the earnings first, as I believe
that's correct. Okay, so guy at time, that's to Jackie what it
is. Okay, yeah, so but they're making you take out income first.
But the way you said it, they're they're claiming they took out more
principle. But even if they did, you don't pay tax on the principle.
Yeah, I'm not saying it. That's what they told me. That's
what they're telling me. It's coming out of the principle. But it's taxable
no matter what. No, it's not taxable, no matter what. If
you have a trust that where taxes were paid going in, you don't pay
twice on the taxes and there's no inheritance. How many how much was it?
By the way, I should ask that maybe there was an inheritance,
how much total was there? It was just a little less than a million
dollars. Okay, there's no inheritance on that. Okay, Jim, just
send that to us Kachina, give them an email and we'll maybe have one
of our accountants look at it. We got to take this break. I'm
Tom Martinez more coming up and we'll talk to Compass about insurance checkups right after
this, go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance check up
free, no obligation comparison call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three oh three seven seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate Man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino here three oh three seven one three talks
seven one three eight two five five. Now I'm going to talk to Devon
or Devon uh Devon about your car insurance claim. So we have Compass Insurance
here. That's good. We have Brian Burns so what's going on with your
insurance claim? Yes, sir, thanks for taking a call. So I'm
having a bit of an issue. The other day. My car broke down
and I took it to a Jeep dealership and they're telling me I have an
aftermarket windshield and that water was getting into it and corroding the wire harnesses and
my whole system went haywire. How long ago did you have that windshield done?
I never had it done. I bought the car a year and a
half ago. Okay, hold on there, okay, after market winshield your
used car that you bought a year and a half ago, right, Okay,
keep going. Yeah, So the twenty sixteen Jeep Grand Chercu Laredo,
I bought it not knowing there was an aftermarket windshield. Most most most cars
on the road after a few years have aftermarket windshields, and and just just
to get right to that point, no one did you wrong. No one
has to tell you that. Keep going correct, Okay, Sure, So
I filed the claim. I just heard back from the claim adjuster that my
claim is denied. Well, it's not a it's not an well I don't
know, is that an insurance claim? Brian, I'm curious to hear the
rest of your since there, what what is the reason for declination? What
are they saying? They said that the reason why is because it's not an
immediate water action. They're saying, it's infiltration, it's it's a warrant,
it's a it's a more of a maintenance issue than it is a sudden and
casual event. Yeah, I mean a casualty event. Yeah, because water
is a covered peril. So if you're if you you know your car gets
inundated with water. But their point is this didn't happen sudden and accidental.
It's it's it's not like you left it outside and a big flood came exactly.
It's they said, over time. It's like if your headliner leaked or
something that wouldn't be covered by insurance, right, right, I understand,
or your sun roof. But here's what I want to know. You bought
this car a year and a half ago and it had an aftermarket windshield.
An aftermarket windshield doesn't make it leak. It wasn't the aftermarket windshield is the
installation. Yeah, that's exactly right. It wasn't installed correctly. Sure,
and still there was no way of me knowing or the corrosion either way.
I understand you're saying, it's like I'm not getting screwed over because no one
had to tell me that. No, of course not. I mean it's
a used car. I mean you bought a used car. So when you
buy a used car, there's all kinds of things no one has to tell
you. Sure, Sure, I understand. I just want to that sucks,
man. I mean I feel for you, and I understand why you
would think insurance should cover Brian. There is a fine line between a sudden
an accidental an accidental compared to damage. Yeah, okay, so help him
understand. In what world could something like this be covered. Let's say he
went out and had the windshield done today, and in a week or two
there was a big storm and he goes out to his car and it's damage
and won't start. Okay, is it covered? If the approximate cause was
that water coming in and doing the damage, and it happened quickly like that,
then you absolutely can make a case to make a claim to that.
Yes, But if it was the windshield not installed just right and over a
long period of time, by the way, I had the exact same problem
on a car. I had the exact same problem. So I was having
some issues and they looked near the windshield under the I was having the Oh,
I was having the windshield done, and here's what happened. They said,
Tom, you got a lot of corrosion in here. They said,
it must have seeped in over time. I had the exact same thing.
So what were you thinking, Devin that First you were thinking your insurance should
cover it. Second, you were thinking somebody should have told you it was
an aftermarket windshield. Right? Yeah, correct. I mean, but like
you're saying, I understand how the system works, and everyone's trying to cover
their own butts. So and it's not that they want to cover their butts.
It's that if we lived in a world where everyone had to know everything
about everything they buy, commerce would come to a screeching halt, or things
would be so expensive we wouldn't be able to afford them. I mean,
I'm not trying to make an excuse, but you could have had that car
checked out. Now would they have found this? I don't know. You
see, who would look for it? I wouldn't look for it. I
mean, you know, it's just you know that expression, you know what
happens? Yeah, well you know what just happened to you? Yeah,
it sucks. How much is this gonna cost you to fix? Right now?
It's did seven thousand dollars to six? Oh no, what kind of
car is it? Did you say it was a twenty sixteen Jeep Cherokee?
Yeah? Yeah, okay, sorry about that man. Three all three seven
one three talks seven one three eight two five five. Go with a sure
thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies
find out now three all three seven seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine two zero sixteen twenty two.
Hi Tom Martino, your troubleshooter three oh three seven one three talk three
O three seven one three eight two five five. I have an email here
for an estate and uh it has to do with something I never heard about.
We'll try to get Dan mckenzion next hour because we're running out now of
time. But Brian Burns during this time, I wanted to ask you something
real quick, and that is will rates We talked about rates going up because
of recent hailstorms? Right yep? Will they ever be adjusted downward? If
if we calm down with how does that work with premium pricing? I have
never in history heard them come down. Oh absolutely they have. Oh yeah,
we were good. We had actually maybe fifteen years ago when we were
doing this and rates had been climbing because of Hale, and all of a
sudden we had three or four years where Hale was just not Who examines that?
Who examines that? Is that mandatory? Or do they just do it
out of the goodness of their heart? I mean, how do they adjust
prices? Well, it's not because it's out of the goodness of their hearts.
They all realize we're making money, and so they try to get business.
It's like, also, okay, they want to be want to be
competitive, They want people to come to them. Right now, they're losing
money. Insurance companies in Colorado have lost money off of what they've they've taken
in, so they don't want business, and so they are needing to raise
rates. And if people are like, I don't want to pay that,
I'll go somewhere else. It's just hard to find anything that's better. Wow,
what happens if a state is so bad they can't make companies right there?
Look at Florida, right, I mean, look at Californoa. Does
it become a state thing to do? The states are underwriting? Yeah,
but and that's what was happening in Florida. But now they've passed new laws
because they're losing money. Is the the state can't afford to do this.
So now they've they've rewritten some laws and now insurance companies are starting to go
back into Florida. So yeah, you can have a state fund for even
in Colorado. If it gets to the point where insurance companies won't write some
of these fire risks some places in the mountains, they're going to have to
find a solution. Now right now, there are solutions, they're just expensive.
Now what about Wow, we'll have to talk about this coming up because
we are running out of time. You want time to answer, So we're
talking insurance. If you have any questions plus everything else in your life,
give us a call three oh three seven one three talk three oh three seven
one three eight, two five five or three oh three Martino. That's three
oh three six two seven eight four sixty six. Go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for insurance check up free, no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three all
three seven seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance three all three nine to zero sixteen twenty two, Yeah, rip new
need a who you don't have? Come run anxious as fast as we can.
Shooter's gonna help. Come man. This is the Troubleshooter Show. Now
Tom Martino, Hi, Tom Martino here, Welcome to the show. Today's
insurance day. We have Compass Insurance in the house and they've been doing some
comparisons as well. We also have been talking about alternatives to hind you not
alternatives. How to keep rates lower if you have to do and ken including
playing with deductibles and roof separate from other casualty and losses. And it's just
very complicated. We're also going to talk about this bad contractor thing. I
got Mark Schumansky on and I'm going to try to find that original call.
We asked Mark to check something out for us, and Marcus with Genesis Total
Exteriors dot Com we use him as an expert a lot. And Janet called
about a problem with a contractor, and I want him to start talking.
But I'm trying to find the original call. I'll find it here in a
minute. But what was the main issue that she had, Well, the
contractor. She signed a contract with somebody and he did the roof and then
he started doing other repairs and they were supplements, and they were what she
was complaining about. She said, the supplements, it like doubled the entire
thing, right, Yeah, And so you know, we know insurance companies
don't always pay what they're supposed to pay, and that is the case on
this one too. There are things that the insurance company was not paying for,
and so some of their supplements are legitimate but then some of their supplements
are going way beyond what they should be, and they're trying to take advantage
of the situation, which makes a bad situation bill looks bad on contractors,
and you know, and so the insurance companies get mad at us too at
the same point, like, well, why are you overcharging for this?
You know. One of the examples, this is a small house, the
left side of the house of the thousand dollars to paint it. That's the
only painting on the whole house. This contractor tried to supplement for fifty six
dollars just to paint one side of the house. Oh, that's ridiculous.
That's ridiculous. She also said, though some of the work was shoddy,
like fixing the cracks and windows or something. Did you check that out?
Yeah? So, uh. In the bottom it's a vinyl window. In
the bottom, there's a bottom piece that holds the glass in place. It's
called the glazy meat. It's plastic or vinyl material. And on the front
window that has cracked, it's it's got a hole in it. And the
insurance company went ahead and said, we're gonna pay for a new window,
okay, And so the contractor came out and did work around the window because
it has a metal metal trim around the window. That's your custom vent.
Well that that was supposed to get replaced too. Well, this contract came
out and did some cocking and some other work and it looks horrible whatever they
did, and they did not replace the window. The window never got replaced.
So so they're they're not they're not entirely up and up no, you
know on the roof, installed the roof properly. That's all good. They
didn't do two of the vent covers, okay, but then she all less
power events power add events. They reinstalled the old ones, never replaced them,
and then they're not even fastened in place. And then they're supplement for
those two well those two were part of the original plank. But then they
added a third power event in their supplements, Like why are you adding an
extra power event? So the oh they really are goosing this project? Yeah,
and are they done with the job right now? This was back in
September of twenty twenty three, that's when they started. They just now finished.
You know, I don't know if you remember the caller, her husband
just passed away last week, right, right, and so she knows,
of course this is emotional too. And then dealing with this, she did
say, Mark, I asked them to leave two times, but I was
dealing with my husband dying and he was at home, and he died at
home, and she was dealing with that, and so some days she goes.
A couple of days. I said, I can't handle anybody year.
But they you know, again, there was only one side of the house
you going to paint on. They started doing work on the other sides of
the house that there was no damn me, John, and they started replacing
window trim and it's like and she goes, there was never a trim on
this window, and they just put it on there. It's not done.
All right, We're definitely going to put someone on this. Now. You
know what I'd like to do, Kachina, I'd like to get Janet back
on. If we can't do it today, let's do it tomorrow. I
want to get Janet back on. Now that we have Mark's report on this,
Mark, thank you very much. I really do appreciate that. And
I can't I can't say enough good stuff about Genesis tootalexteriors dot Com. He
won't do stuff like this. I'm telling you he's a good guy and he
that's why we use him as our expert. Now, Dan McKenzie is here.
He's an expert on a state law. And I have an email that
I want to address and it has to do Dan. It's the weest thing
I've ever heard of. In fact, I've never heard of it before.
This is a guy's third marriage. He was married twenty years. Okay,
okay, and on his death he left fifty percent to his wife, So
she got fifty percent right as she was supposed to. But now she's claiming
in addition to that fifty percent, she's entitled to something called a family allowance
under Colorado Revised Statutes, which is up to forty one thousand, and something
else called an exempt property allowance, which is up to thirty three thousand.
Have you ever heard of those two things? Yes, they are more.
There are more elections you can make when you have somebody who is yes they
shared income or a dependent. There are various elections that you can make.
Those probably are not very substantially compared to the fifty percent, but yes,
they're additional. But they but but hold on, So a wife can actually
get that extra money. Correct. Wow, I thought those provisions even though
I've just this is the first time I ever heard of them, that logically
those allowances might have been when there wasn't that much money involved. And no,
but it does. It can be on top of a million dollars right,
yes, wow, So they even though the will might specify that after
the fifty percent, the kids get the other fifty percent, this ex spouse,
not X spouse. I'm sorry, this widow or widower can go into
their spouse's kids stuff. Yeah. I mean, these elections are kind of
they are made before the distributions happen. So yeah, now what do you
mean these elections? So the spouse has to actually make that election. Yeah,
you have to come in and file a form to get those Wow.
This is something new, Dan that we've never actually discussed before. Yeah.
Yeah, yeah, yeah, it's a mixture. I mean really, what
it's about is making sure like if there's credit or claims against the estate and
the state is insolvent, that like a dependent kid, for example, is
still going to get some amount of money before creditors swoop in and take everything.
Oh wait, so this this allowance is not just for a spouse,
correct, Yeah, if you have dependent kids. So not just like adult
kids or who are out of the house or be able to do this kind
of stuff, but for like you know, if you got an eight year
old, like, yeah, so it's for a spouse or a dependent correct.
Yeah. And can you explain what is exempt mean an exempt property in
an estate? So yeah, again, it's it's just to make sure,
like with the residence or with a certain amount of cash, if the making
sure that the people who are dependent on the person who passed away are going
to get some minimum amount. Because what happens is like if you don't know
that you have an eight year old out there, let's say like you can't
make any distributions until all the creditor period is run, Like you need some
sort of safe harbor there. And so we know, like we're going to
be able to get this eighty one thousand bucks or whatever, we can distribute
that amount of money while we wait for the creditor claiming, Oh okay,
so it goes so it actually steps in front of secured creditors. Secured I
don't know about secured. I'd have to look into that, but certainly other
creditor claims against the estate. Oh, usually secured is going to be all
right. So what it says to the family is, no matter what,
you're going to get this much money beyond after the secured creditors. You're going
to get at least this much money and then we'll distribute to the estate or
to the heirs. Right, yeah, wow, thank you. I've learn
something, Dan McKenzie. Of course, like I said, if you need
help, you gotta call them eight three three co plans eight three three co
plans or co plans dot co. Go with a sure thing Denver's best roofer
Excel roofing dot com. You don't pay a cent until you're content. Time
for an insurance check up free no obligation comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find out now three O three seven to
seven to one help. You'll think you're his only customer when you choose Frank
Durand the real estate Man dot com to list your home with Remax Alliance three
oh three nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter
three ozho three seven one three talk seven one, three, eight, two
five five. By the way, Premiere says great, doesn't it? Then
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And I'm telling you Tyler has a great business, and he does great
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dot see. Oh okay, let's talk Brian Burns Compass Insurance Group every time
he's on. And by the way, you can do this every time you
call them. You can do it if you wanted to. You don't have
to wait for them to be on the show. Three h three nine nine
six nine thousand. You can call for what we call an insurance check up.
What is that? That's where you find out if you're paying too much
for coverage, if you're under insured, if you're over insured, if you
can do better, better coverage, lower price, whatever, or better coverage,
same price. About eighty five percent of the time I think we're successful
at helping people. The other fifteen percent you get an affirmation that you got
a pretty good deal. So today we ask them to call in and you
can do that, Like I said, every day. What examples do we
have today, Brian, here's one. A couple called in. They're with
Farmers right now for auto and home insurance, and they're paying a out.
It's forty five hundred on the auto and forty three seventy five on the home.
Whoo nine grand, Yeah, nine grand. It looks like we are.
We quoted them moving them to Safeco. The auto insurance is going down
to one thousand, eight hundred and twenty eight from forty five hundred home.
Now, crap, the home is higher. It's fifty three oh three,
but combined fifty three oh three for just the home. Yeah. But but
but their current dwelling limit with Farmers was four hundred and twenty four thousand.
We did a cost estimator. We bumped their dwelling limit up to six hundred
and thirty two thousand dollars and ended up between the auto and home, saving
them over seventeen hundred bucks. Yeah, that's incredible. Better coverage, lower
price, that's yeah, that's and we look at the total package. You
know, even though the home is a little bit more, it's got way
more coverage. So in the auto is saving the money. So it looks
like here, Oh, this is one that was interesting because I know you've
had a lot of calls about loss assessment. That what what he's talked about
is the assessment coverage. Excuse me, the assessment. You get an assessment
charged against you, a capital assessment you have to pay in. When your
condo or town home development has you know, you have to chip in because
they don't have enough insurance. Go ahead, yep. So and we're seeing
that a lot. This person called because they are with State Farm and had
no loss assessment covers. They didn't realize it and got assessed oh fifteen thousand
dollars. Oh my god. So they called us. We have, first
of all, on the auto insurance, we increased them from one hundred thousand
of liability up to two hundred and fifty thousand. On the condo, we
moved them from having no loss assessment to fifty thousand dollars and we saved them
five hundred bucks for the package. Wow. Yeah, one more USAA current
customers. USAA. We're moving into acuity. The home was under insured by
one hundred and fifty thousand. We got them guaranteed replacement cost uncapped. We
moved them from a one percent deductible which was six two hundred to twenty five
hundred and saved them thirteen hundred and fifty dollars plus saved them on deductibles and
increased their coverage on their home. Because they were under insured, they would
have lost. I'm telling you, being under insured is just as stupid as
being over insured. Now, I want to ask you about some stuff here.
And remember that's three h three nine nine six nine thousand. Anytime you
get an insurance check up, now, why wouldn't anyone do that? I
mean, gosh, so our states rated like Colorado is? Is Colorado one
of the worst? For yes, is one of the worst or the worst?
They as of last year? There was an article in the Denver Post
that came out in December. We were number two. Who's number one?
It was? It was Texas. I think number one, yeah, number
two Colorado. Okay, I think it was Texas number one, and then
number two is Colorado. So in all perils are states like I would think
Florida would be it was catastrophic losses, Okay, what it was in hail
being considered, you know, catastrophe. So in all states, what would
be the wood in California, like with mud slides and forest fires, wires
and all. Yeah, but Colorado have more constantial losses in California. So
when it comes to just catastrophic losses, how to states ranked? You know,
I'm sorry at like total catastrophic losses. Yeah, that's what I'm talking
about. Colorado is number two in the country in total catastrophic losses. So
you have Texas, then you have Colorado, right, and then I don't
remember, I honestly don't, but there was a whole article about it.
But I know California is way up there. But Colorado obviously has almost all
the problems. It doesn't have hurricanes, of course, but it has forest
fires, and it has the most significant being hail. Hail is just such
a huge driver of insurance costs. Okay, So as far as condos and
townhouse We talked about this before. It is a major crisis. YEP.
A lot of companies are no longer writing for these big places, or they
are writing, but the deductibles are so ridiculous condos and town homes and all
that they're not being able to find adequate coverage without almost paying for the damn
roof themselves. It's almost self insurance on the roof at this point. And
so what does that mean if people own condos or towns? So does it
mean? What it means right now is they're shifting the liability of that roof
onto each unit owner. So as of right now, every person that owns
a condo should be checking to see what their loss assessment coverage is now.
I say that right now because insurance companies on the property on the personal side,
those HO six's or condo policies have not caught up on premium, that
loss assessment coverage is cheap right now. It's going to change because all that
all these assessments are now being paid for by these condo policies that cost five
hundred dollars a year. They can't sustain that. So at some point you're
going to see them either limit what they'll offer on loss assessment or charge a
healthy premium for it. Right now, that's not the case. So if
you have now, right now to get loss assessment coverage that would cover you
for a capital assessment for a casualty loss right in order to get that,
what are the tiers and the cost of that approximately? Yeah, so let's
say twenty five thousand dollars of loss assessment coverage, which is pretty healthy.
That's a healthy amount. That would run you probably twenty five bucks a year,
what maybe fifty bucks a year? But oh my god. Here,
here's just to complicate things further, and we're seeing this frequently, you might
have higher limits of loss assessment. Maybe let's say you have twenty five thousand
dollars worth of loss assessment the policy. If you don't read your policy,
you could still be in trouble because I've seen policy where they say twenty five
thousand dollars a loss assessment unless it's the result of HOA deductible. No,
specifically, if it's an HOA deductible, we'll limit you to one thousand.
Well what does that mean? So in other words, and it's ninety nine
percent of all loss assessment claims are going to be as of the result of
an HOA deductive Of course, Well what then when does it cover you?
Let's say, let's say I'm trying to think of an example. Let's say
there's a fire and they don't have adequate insurance. That's not a deductible.
That's an assessment to be able to pay for the damage to the house.
That's not that would be loss assessment. That is so infrequent. The by
far the most common thing is going to be that your HOA now has a
five percent deductible on it, and so they have you know, that ends
up being say, can you get loss assessment coverage to cover deductibles? Yeah?
Most almost every carrier I will write will be okay, But there are
some that don't. There's a lot of that, don't I see them coming
in down? Are there ones that will give you or sell you loss assessment
coverage for let's say twenty five But if it's the roof, it's less.
No, I've never seen it say anything about roof. It's specific to HOA
deductible. So you need to check your policy and see is there a limit
on that HOA deductible? All right? Three oh three seven one three talk
three oh three seven one three eight two five five Grossman Wellness dot com.
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They're good people, and I look at what you can't put a price
on health three O three two three three forty two forty seven. Go with
a sure thing Denver's best roofer Excel roofing dot com. You don't pay a
cent until you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass insurance paying too much your coverage at dozens of
insurance companies find out Now three oh three seven seven to one. Help.
You'll think you're his only customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martino, you're a troubleshooter, Anthony, or
as we say in New York, Antony, what's going on? Or big
Tony? Yeah, Big Tony, that's true too. What's happening? My
aunt and uncle are retired, only collecting Social Security and I think they have
a small pension, but they have a paid off house roughly five hundred thousand,
and they're looking to downsize to a smaller house roughly the same price,
but in an area they like better. But of course they can't qualify for
a loan, and they can't just sell the house and hand that money over
because then they'd be living nowhere, so they'd need to move into like an
apartment or something. Is there an easier way to do that? Okay?
So right now, their house is paid for, correct, and they can't
qualify for a loan. I get it because of the income. So they
need a bridge loan? Is what you're talking about, right, and that's
what they try to get. And they said with their incomes. Right,
So this is an excellent idea. How old are they sixty five and seventy?
That's wonderful. You can actually use a reverse loan as a bridge loan.
Let me explain. Now, it won't give them a full amount,
but it would give them a good amount. So in other words, they're
only going to get on that house possibly two hundred max. Right now,
what two hundred can do for them is it can help them with a purchase
of another house with owner financing as a bridge loan. So I'll explain this
to you. It has been done. It's a little weird, but here's
how it's done. They go to where verse loan get as much as they
can one hundred and eighty, two hundred whatever. Now, if you find
a house for sale in the price range they want, most sellers would have
no problem doing an owner carry for a few months until they sell their house.
Thanky. So what happens is you sell your house, pay off the
reverse, and then go pay off the owner carry. That is one possibility.
It's a little expensive because you have to underwrite the reverse loan as if
you're going to keep it even though you're not going to check it. Now,
what's that? But that might be cheaper than renting and moving. It
could and moving twice. That's right. There is another thing you can do
is a hard money loan. Now, it used to be hard money loans
meant get screwed, okay, meaning you know you need a short term loan
based on assets only, and people charge you through the nose. For example,
it used to be if you need a hard money loan, let's say
they want to get a four hundred thousand dollars or five hundred thousand dollars loan,
they're going to be charged a few points up front. Okay, So
it could be expensive and high interest, but it's only meant to be a
short term. However, in some cases where it's positive you're going to be
selling the house, is that house going to sell pretty well? Oh?
Yeah, I think so? You think so? Now is it four hundred
to five hundred? What do you think it really will sell for? Really
five hundred? It probably would get a little bit more once to get over
Well, Frank Terran, the real estate man will do that free evaluation.
So I would do that for sure. But let's say it's five hundred thousand.
Here's the thing. If you need a five hundred thousand dollars loan to
bridge, that could cost you. Let's say at the house side, it
could be terrible. It could cost them fifteen grand just to write that loan.
I'm not talking about the reverse loan. I'm talking about with a hard
money lender and then interest only payments. So I say you might be able
to get it for ten grand. But let's say let's say yeah, because
I think if I did a hard money loan, i'd do it for that.
I'm not talking about me doing this for them. I'm just saying in
the marketplace, ten grand would be a good price for that, and then
collect interest only of about let's say I think they'd want in today's market at
least six percent, So I would say those would be interest payments of about
twenty five hundred a month. And that's the thing that's going to be expensive.
How long will it take to sell? You know, Frank could probably
tell you that too, but let's say it's going to take three months.
So now you're looking at ten and you're looking at seventy five. So seventeen
eighteen thousand. Let's say with you know, you could be looking at because
of their situation, with a reverse loan, or with a hard money bridge
loan, or with owner financing. Owner financing would be with the reverse,
you're looking at anywhere from ten to twenty thousand in extra expense. So if
selling and renting would be cheaper, you got to compare it to about you
got to compare it to that twenty grand at fifteen or twenty grand, right,
gotch Yes, So if they sold it and then rented, I think
that'd be their cheapest option. Truly. I don't know why they because really,
a moving is not the big deal. If you get a reputable mover
and you call us for that, so then you put that stuff in store,
that's not going to cost that much more. All it costs you is
an extra move and storage. Okay, really, And then add that to
what are they going to rent? For god's akes, they don't have to
have their dream home, you know, so I think they I think the
cheapest option is truly selling and renting. Now do they have pets? They
have a couple of dogs. That's that's easy. I can my family can
watch the pet that's easy. Yeah, So listen, man, this sounds
like this sounds like the way to go, especially with I would definitely not
I wouldn't do a reverse, and I wouldn't do a hard money loan.
Not at this point. Three oh three seven to one three talk. Let
let's know what happens, man. We're anxious to hear. Three oh three
seven one three eight two five five. Jackie has got a comment on that.
Go ahead, Jackie, what do you think? And I'm a realtor,
full disclosure, I think you're making it way too complicated. I just
said to sell and rent. Now, I would just buy with a contingent
offer. Oh you find that in today's market? Will they do that?
Absolutely? Wow? Okay, that's a good idea. That's a good idea.
Yeah, I okay, thank you. That's a that's a good idea
too. If you can write a contingent offer where they would actually wait for
you to sell, that's a wonderful idea. Thank you very much. And
uh, that's why we have smart people listening. We got more coming up.
Go with a sure thing Denver's best roofer excel roofing dot com. You
don't pay a cent until you're content than time for an insurance checkup free no
obligation. In comparison, call Compass Insurance paying too much your coverage at dozens
of insurance companies find out now three all three seven seven to one help.
You'll think you're his only customer when you choose Frank durand the real estate man
dot com to list your home with Remax Alliance three oh three nine two zero
sixteen twenty two. Kind of like Shoe warned. Hi, Tom Martine,
let's talk to Randolph. Hey Randolf, what's happening? Hey man, what's
going on? Based on your recommendation, it was wonderful. He's a real
gentleman. We had a five minute conversation. But I have utmost confidence in
doing business with him, so I want to thank you for recommending him.
The only negative thing is it's a little hard to find parking, but other
than that, he is an absolute gentleman. He has fair prices, and
once again, thank you for recommending him. Good. You know, Randolph
David Ellis is a good guy. He really is. I joke with him
a lot, you know, with his New York ways, you know,
from the East coast, but he's been around as long as I have him
in Colorado, and he is. He's really fun. Didn't you did you
find him to be a fun guy too, right, Yeah, Yeah,
he's easy to talk to, you know. And and and he was straight
with me. Yeah, And I'll be giving him some more bids. Thank
you, Randolph. And by the way, uh, David Ellisjewelry dot com.
He buys and sells gold and silver and all and precious metals. And
okay, don't forget the Insurancehealthcenter dot com. That's Compass Insurance Group. You
can call them for your insurance check up. They're doing them all day,
every day. Three oh three nine nine six nine thousand, three h three
nine ninety six nine thousand. And don't forget, of course, three oh
three Martino for help, information and referrals.