WEBVTT 1 00:00:00.680 --> 00:00:13.640 Yeah, m news. You need advice, so you don't have come running 2 00:00:14.080 --> 00:00:21.000 as fast as we can. Shooter's gonna help coming. Man six is the 3 00:00:21.160 --> 00:00:28.879 Troubleshooter Show. No Tom Martino, Hi Tom Martina here, Welcome to the 4 00:00:28.960 --> 00:00:32.600 show. Three oh three seven one three talk seven one three eight two five 5 00:00:32.679 --> 00:00:35.840 five Solving problems, answering questions, taking complaints, and we're gonna get to 6 00:00:35.840 --> 00:00:39.039 the phones. We have a special guest today as well. Waterpros dot net 7 00:00:39.039 --> 00:00:42.759 the best drinking water at the kitchen sink fourteen hundred bucks fully in small triple 8 00:00:42.799 --> 00:00:46.159 filter reverse osmosis. You just can't do better, Okay for that price, 9 00:00:46.200 --> 00:00:49.439 you can if you want good water, and you should with all the nanoplastics 10 00:00:49.479 --> 00:00:54.719 forever chemicals. Please waterpros dot net three oh three eight six two five five 11 00:00:54.799 --> 00:00:58.479 five four. They have other systems available to always the lowest price is best 12 00:00:58.520 --> 00:01:02.439 technology pros dot net three h three eighty six two five five five four. 13 00:01:02.479 --> 00:01:04.120 Now I want to go right to the phones and help, and then we'll 14 00:01:04.159 --> 00:01:11.159 talk to doctor Joel Trudak about stem cell therapy. Also about semiglutide or tizerpetide 15 00:01:11.439 --> 00:01:17.359 terzepetide, I mean turzepetite is the newest ingredient in these weight loss things. 16 00:01:17.439 --> 00:01:21.439 I've heard none of those advertised on TV. As far as with the brand 17 00:01:21.560 --> 00:01:26.120 names, I don't know what brand names contain tersepetide, but it is similar 18 00:01:26.680 --> 00:01:32.000 to this semigluetide, but better stronger. So guys, listen to that if 19 00:01:32.040 --> 00:01:36.000 you're looking to lose weight, or if you're a diabetic, because some diabetics 20 00:01:36.040 --> 00:01:38.680 have been going to uh denver Regen dot com saying look, I mean, 21 00:01:40.120 --> 00:01:42.640 I know you do this for weight loss, but we're a diabetic and can't 22 00:01:42.640 --> 00:01:47.879 get the brand names, you know, and in that case even their insurance 23 00:01:47.920 --> 00:01:49.680 would have paid for it, so they just say, what the hell for 24 00:01:49.680 --> 00:01:53.359 two hundred and fifty bucks or whatever, We'll just go with you, guys. 25 00:01:53.959 --> 00:01:57.120 So that's very interesting, right, because it's it can be done. 26 00:01:57.200 --> 00:02:00.359 You know, you talk to your doctor and they can supply you. Now, 27 00:02:00.719 --> 00:02:07.519 Brad wants to talk about an issue with a boat loan. You know, 28 00:02:07.479 --> 00:02:14.039 Bread, how long have you owned a boat? Hey, hey Tom, 29 00:02:14.120 --> 00:02:15.199 how are you doing? Good man? How long have you owned a 30 00:02:15.199 --> 00:02:20.479 boat? Well? I haven't. And that's a little bit of the reason 31 00:02:20.520 --> 00:02:24.400 I'm going in is that I went into if I can say the name of 32 00:02:24.400 --> 00:02:28.680 the business. Sure, go ahead. We as long as it's the truth, 33 00:02:28.759 --> 00:02:30.960 we can talk about anything. Okay. Well, I was in a 34 00:02:31.120 --> 00:02:35.960 bass pro shop and I was looking at one there, twenty twenty four tahoes. 35 00:02:37.599 --> 00:02:42.360 The price on the boat was a refer around sixty eight thousand dollars. 36 00:02:42.599 --> 00:02:46.879 Holy correct. I didn't know boats for that. Again. I mean, 37 00:02:46.919 --> 00:02:50.840 I know yachts and stuff, but tell me what you get for sixty eight 38 00:02:50.879 --> 00:02:54.240 grand. Well, it had a Mercury thirty three twenty five on it, 39 00:02:54.400 --> 00:02:59.400 open about, had the racks for the wakeboarding, all that kind of jazz, 40 00:02:59.439 --> 00:03:01.400 and yeah, that was a nice looking boat. Anyway, I talked 41 00:03:01.439 --> 00:03:07.159 to one of their finance managers over there, and you know, she just 42 00:03:07.280 --> 00:03:09.199 wanted to go ahead and pull my credit and see how thing was going to 43 00:03:09.280 --> 00:03:14.719 roll there, and see if I could get PERF for the loan. Waited 44 00:03:14.759 --> 00:03:21.919 about forty five minutes and they came back with an a PREF loan. But 45 00:03:22.120 --> 00:03:25.120 the down payment and you have to understand on the sign on the boat, 46 00:03:25.159 --> 00:03:30.800 they show up five hundred and ninety one dollars monthly payment. Yeah, with 47 00:03:30.960 --> 00:03:38.639 good credit. I came back at let's see, for twenty years at one 48 00:03:38.680 --> 00:03:44.759 thousand and eleven dollars in ninety six a month. Hold on a second, 49 00:03:45.080 --> 00:03:50.159 You mean to tell me they financed those suckers for twenty years? That's correct? 50 00:03:51.000 --> 00:03:54.319 What is your down payment on that? The down payment that they listed 51 00:03:54.520 --> 00:04:00.360 was seven thousand, five hundred and fifty eight dollars five hundred okay, and 52 00:04:01.240 --> 00:04:05.039 so tell me where are we going with this? Well, you know I 53 00:04:05.039 --> 00:04:09.960 have a question because I got a letter because when I got back the information, 54 00:04:11.039 --> 00:04:15.319 you know, I'm not gonna when when you add everything out there with 55 00:04:15.400 --> 00:04:19.279 the now payment that's two hundred and seventy four thousand, Well, of course 56 00:04:19.279 --> 00:04:21.759 it is. Have you ever looked at what you're paying for your house? 57 00:04:21.959 --> 00:04:26.279 Of course it is? Yeah, yeah, yeah, of course it is 58 00:04:26.399 --> 00:04:30.560 seventeen point nine nine percent interest. Anyway, I got a note from Experience 59 00:04:30.759 --> 00:04:38.560 and the boat lender and they said that I was not approved for the loan 60 00:04:39.720 --> 00:04:43.800 and it dropped my credit by eighty points. Now, okay, Brad, 61 00:04:43.879 --> 00:04:46.000 I want to I want to pull this apart a little. Let me get 62 00:04:46.000 --> 00:04:48.639 this straight. Did you make the purchase or not? I did not? 63 00:04:49.240 --> 00:04:54.720 Okay, good, But when you went there, they pulled your credit and 64 00:04:54.759 --> 00:04:59.240 they said seventy five hundred dollars down twenty years one eleven. When you did 65 00:04:59.240 --> 00:05:02.000 the math, you realize how much the cost of financing really is and what 66 00:05:02.120 --> 00:05:05.920 it's costing you. If you add that to the fact that the boat's depreciating 67 00:05:06.000 --> 00:05:12.680 over all that time. Depreciating assets and financing don't mix. Well, Okay, 68 00:05:12.879 --> 00:05:15.240 so I don't want to get into that. But in any case, 69 00:05:15.279 --> 00:05:19.800 you got you got spanked, and now, to add insult to injury, 70 00:05:20.639 --> 00:05:24.560 your credit took a hit. I don't know why your credit would take a 71 00:05:24.639 --> 00:05:27.480 hit if you were not approved of that. It just seems a little bit 72 00:05:27.680 --> 00:05:31.959 untruthful, I guess would be the best word. What's untruthful? Because I 73 00:05:32.000 --> 00:05:35.720 had the emails showing that I was approved for it. Oh oh, that 74 00:05:35.800 --> 00:05:40.759 part, well, that part is I can't address why they said you were 75 00:05:40.800 --> 00:05:44.480 approved. Then you weren't, but I'm kind of glad you weren't because this 76 00:05:44.639 --> 00:05:48.079 is not a great deal. Well, I actually I've got the email is 77 00:05:48.079 --> 00:05:51.199 showing that I was approved. I could find the line that I know, 78 00:05:51.240 --> 00:05:55.560 but I'm saying, I'm saying I'm glad you weren't because now you're not going 79 00:05:55.639 --> 00:05:59.720 to buy it, and I don't I think you should make a wiser purchase 80 00:05:59.800 --> 00:06:02.160 with the better finance. I guess, I guess. My big question is 81 00:06:02.160 --> 00:06:09.079 is there any type of restitution for uh scored? Well, well, hold 82 00:06:09.160 --> 00:06:13.560 on, okay, you're blaming them for hitting your credit. I don't understand 83 00:06:13.959 --> 00:06:18.199 your credit took how much of a hit? Have any points? I don't 84 00:06:18.279 --> 00:06:24.680 understand that part. That that part just for an inquiry. I think they 85 00:06:24.800 --> 00:06:28.600 showed you as getting this loan. I think you need to get this corrected. 86 00:06:28.639 --> 00:06:32.399 I think it's a mistake. They showed you as approved. They showed 87 00:06:32.480 --> 00:06:41.839 you as now having more debt. That's the only There's no way that your 88 00:06:41.879 --> 00:06:46.439 credit would go down seventy points from one inquiry. There's no way, And 89 00:06:46.519 --> 00:06:48.720 I agree with you. That's kind of the reason for my call, is 90 00:06:48.800 --> 00:06:53.319 it? But let me say something, Brad, I would contact New Housing 91 00:06:53.360 --> 00:06:56.160 and New Bottle Loans and you know this is going to affect my credit for 92 00:06:56.160 --> 00:06:58.800 a while. Is there any type of recitation you can do against company? 93 00:06:58.920 --> 00:07:01.240 Well, of course, there's no rest because the dealer. The dealer didn't 94 00:07:01.279 --> 00:07:09.600 do anything wrong. What did the dealer do wrong? I would agree with 95 00:07:09.639 --> 00:07:13.000 you. It seems a bit greedy on that type of the loan loan. 96 00:07:13.600 --> 00:07:15.240 Hold on, Brady, No, Brad, now you're talk hold on, 97 00:07:15.480 --> 00:07:18.600 are you talking about the loan or are you talking about your credit? Because 98 00:07:19.120 --> 00:07:24.360 but the dealer, it doesn't matter what loan it was. It was one 99 00:07:24.519 --> 00:07:29.480 inquiry. You know, I think you're mixing things apples and oranges. You're 100 00:07:29.600 --> 00:07:33.800 upset with this loan because it's greedy. I totally agree with you. It's 101 00:07:33.839 --> 00:07:38.240 a terrible loan. I would never do that loan. Did you say it 102 00:07:38.279 --> 00:07:43.920 was seventeen percent interest? Some deem point nine? I well, of course 103 00:07:44.000 --> 00:07:48.079 at eighteen percent, you know, geez, that's a lot of money. 104 00:07:48.839 --> 00:07:53.279 It's a greedy loan. But that has nothing to do with pulling your credit. 105 00:07:53.959 --> 00:07:59.600 I think what happened is somewhere a mistake was made that showed you got 106 00:07:59.600 --> 00:08:05.120 to prove. Now they're showing you with an eighteen percent loan at that much 107 00:08:05.199 --> 00:08:07.079 money, and I think if you pull your credit, you will find that, 108 00:08:07.560 --> 00:08:11.800 and when you find it, you dispute it. That's how you do 109 00:08:11.879 --> 00:08:16.160 it. You pull the report when if they show that credit was granted, 110 00:08:16.199 --> 00:08:18.079 you have to show it was not. You'll get you'll take a hit of 111 00:08:18.120 --> 00:08:22.600 a few points for a credit report, and that's it. Okay, and 112 00:08:22.639 --> 00:08:26.480 you know I did a request yesterday when I called in to them, so 113 00:08:26.639 --> 00:08:31.439 they've got the paperwork coming over to me. That was my question. I 114 00:08:31.519 --> 00:08:35.360 just didn't know. But let me explain something. Okay, again, there 115 00:08:35.440 --> 00:08:41.559 is no restitution because they did not do it. If they did something reckless, 116 00:08:41.039 --> 00:08:46.320 that would be different, or reported you as Let's say they reported you 117 00:08:46.360 --> 00:08:52.440 as defaulting on the loan because they wanted you to buy it and they approved 118 00:08:52.440 --> 00:08:56.440 you. And when they approved you, they took recourse on the loan. 119 00:08:56.559 --> 00:09:00.799 By the way, this has happened in the past on other things. So 120 00:09:00.840 --> 00:09:03.320 in other words, they are so sure you're going to buy they take recourse, 121 00:09:03.399 --> 00:09:07.320 meaning they guaranteed the loan with the lender. You, on the other 122 00:09:07.360 --> 00:09:11.879 hand, decided not to buy it because you never signed a buy order and 123 00:09:11.960 --> 00:09:18.360 therefore they have a loan sitting at the dealership. So then you didn't come 124 00:09:18.360 --> 00:09:22.000 back to get the boat. So they default you on the loan. That 125 00:09:22.039 --> 00:09:26.559 would be slander of credit, that would be totally illegal. But they didn't 126 00:09:26.639 --> 00:09:31.600 do that. I don't believe. So yeah, I don't believe. So 127 00:09:31.720 --> 00:09:33.080 that kind of clears things up for me. Tom. I appreciate your time 128 00:09:33.159 --> 00:09:37.840 today, but man, I listen. I hope you find a boat, 129 00:09:37.159 --> 00:09:41.600 but man, don't get tricked in. Don't ever get tricked into that kind 130 00:09:41.639 --> 00:09:46.440 of money. Oh no, can you let me if you can afford that? 131 00:09:46.879 --> 00:09:52.320 You do you have equity in your home? Uh? You know, 132 00:09:52.559 --> 00:09:58.960 I'm actually I ran it. Okay, buy a house first, broa and 133 00:09:58.000 --> 00:10:01.879 then and then a boat or rent a boat. I mean, I don't 134 00:10:01.919 --> 00:10:05.039 know how bad you want the boat, but man, it's not a good 135 00:10:05.039 --> 00:10:07.799 economic I was kind of looking at it and the payment seemed kind of reasonable 136 00:10:07.879 --> 00:10:11.120 for what I was looking at. And then I said, but it's not 137 00:10:11.240 --> 00:10:15.960 reasonable because it's a twenty year commitment. Here, it's you're never going to 138 00:10:16.039 --> 00:10:18.679 keep the boat twenty years? Are you? Oh? No, okay, 139 00:10:18.720 --> 00:10:22.639 so listen to this one, Brad. You're not going to keep it twenty 140 00:10:22.720 --> 00:10:26.200 years. So tell me the truth. How long do you think you will 141 00:10:26.279 --> 00:10:30.559 keep it? You know, next time I get a boat, I'm pretty 142 00:10:30.559 --> 00:10:33.440 good enough keep so you know I would like it till last, you know, 143 00:10:33.759 --> 00:10:37.919 at least fifteen, possibly twenty years. Oh, I didn't realize you 144 00:10:37.080 --> 00:10:41.120 actually have you ever had a boat that long? How old are you? 145 00:10:41.200 --> 00:10:46.639 Yes? Fifty? So man, so you're not you sound like a kid. 146 00:10:46.639 --> 00:10:48.480 I don't know. I'm sorry. Man. So, Brad, you've 147 00:10:48.600 --> 00:10:54.120 actually owned so you're an experience. You've owned a boat and kept one for 148 00:10:54.159 --> 00:10:58.399 a long time. Yeah, read both them. CA. Okay, Well 149 00:10:58.440 --> 00:11:01.679 then you're a different animal, man, and you're you're a different animal. 150 00:11:01.000 --> 00:11:07.879 But my concern is once you finance something like this a depreciable asset over a 151 00:11:07.919 --> 00:11:13.759 twenty year period for a good part of that loan life, you are upside 152 00:11:13.799 --> 00:11:16.679 down, so you will always have to come out of pocket to get rid 153 00:11:16.720 --> 00:11:18.639 of it. That's all I'm saying. We got more coming up. I'm 154 00:11:18.639 --> 00:11:22.759 Tom Martino three oh three seven one three talk seven one three A two five 155 00:11:22.879 --> 00:11:31.879 five Go with a sure thing Denver's best roofer Excel Roofing dot com. You 156 00:11:31.919 --> 00:11:39.960 don't pay a cent until you're content. Time for an insurance check up free, 157 00:11:39.039 --> 00:11:43.519 no obligation. In comparison, call Compass Insurance paying too much your coverage 158 00:11:43.559 --> 00:11:48.360 at dozens of insurance companies find out now three all three seven seven to one 159 00:11:48.519 --> 00:11:52.159 help. You'll think you're his only customer when you choose Frank durand the real 160 00:11:52.279 --> 00:11:56.799 estate Man dot com to list your home with Remax Alliance three oh three nine 161 00:11:56.879 --> 00:12:03.320 two zero sixteen twenty two. Hi Tom Martino here, Welcome to the show. 162 00:12:05.000 --> 00:12:09.159 Doctor Joel's with us from Denver Regen dot com. Doctor Joel real quick 163 00:12:09.159 --> 00:12:15.519 here. I wanted him ask you how's are people? Are people? They're 164 00:12:15.519 --> 00:12:18.320 responding like crazy, I know that yes, are you getting diabetics as well? 165 00:12:18.320 --> 00:12:22.519 They can't get the brand names? Uh yeah, particularly since we started 166 00:12:22.519 --> 00:12:26.240 mentioning on your show. What about trus epetide, Can you explain that to 167 00:12:26.279 --> 00:12:30.960 me? What is that? So tur's eppetite is also it acts in a 168 00:12:31.000 --> 00:12:35.399 similar way as some meglatide. They're both called golp one agonist. So all 169 00:12:35.399 --> 00:12:39.480 that means is that they are attaching to a receptor that causes your appetite to 170 00:12:39.639 --> 00:12:45.799 decrease. Tre'zeppetite is a little bit more specific. It's a little stronger of 171 00:12:45.840 --> 00:12:50.080 a drug, it has less side effects. It's the same active ingredient that's 172 00:12:50.120 --> 00:12:52.919 in Manduro. Oh okay, so there is a brand name called Manduro. 173 00:12:54.159 --> 00:12:56.559 Yeah, yeah, and that's trus appetide. Some meglotide, which is our 174 00:12:56.600 --> 00:13:01.600 biggest seller, which is what most people are taking, is the same active 175 00:13:01.679 --> 00:13:05.519 ingredient that's in will go via nozempic so, but they all act in the 176 00:13:05.559 --> 00:13:09.559 same way. It's just very simply, the TR's appetite is a bit stronger 177 00:13:09.600 --> 00:13:13.639 of a medication with less side effects than the semeglatite is all right, and 178 00:13:13.679 --> 00:13:18.200 that Denver Regen dot com starting at two fifty a month. You can't beat 179 00:13:18.200 --> 00:13:20.840 it, man, can't beat it all right now? And I know people 180 00:13:20.879 --> 00:13:26.080 on it. Let's talk to Niles as an issue with Brighton Ford. Niles, 181 00:13:26.159 --> 00:13:28.519 what's happening? How you doing, good man? What's going on with 182 00:13:28.559 --> 00:13:33.480 you? Uh? So my issue basically stands from earlier this year. So 183 00:13:33.600 --> 00:13:39.960 I bought a brand new twenty twenty two Ford Maverick from Brighton Ford. Those 184 00:13:39.960 --> 00:13:43.799 are nice, man, Oh yeah, ordered it out online, waited a 185 00:13:43.840 --> 00:13:46.320 whole year to get it. Now what year was it? New? Twenty 186 00:13:48.000 --> 00:13:50.519 two? I bought? Okay, your model? All right. So the 187 00:13:52.279 --> 00:13:56.440 this January, I'm at work, my powertrain went out on me. No, 188 00:13:56.559 --> 00:13:58.519 what do you mean? What what the powertrain is a lot of stuff? 189 00:14:00.919 --> 00:14:03.159 So they I thought, they told me, is the powertrain went out? 190 00:14:03.240 --> 00:14:05.120 And well, what do you mean? They told you? What? 191 00:14:05.240 --> 00:14:09.039 Tell me what happened to you? You were driving and all of a sudden 192 00:14:09.080 --> 00:14:11.200 could put or what so I went to go get in my car, go 193 00:14:11.279 --> 00:14:16.200 to turn it on and go drive forward, and then it loses all powered. 194 00:14:16.240 --> 00:14:20.639 It's a hybrid, so it lost all power. Started it back up 195 00:14:20.919 --> 00:14:24.679 nothing. After a couple of minutes started it back up. I was able 196 00:14:24.679 --> 00:14:28.720 to put it in reverse, get it parked, and then my phone gave 197 00:14:28.799 --> 00:14:33.240 me a notification saying that there's a powertrain connection issue and I need to take 198 00:14:33.279 --> 00:14:37.879 it to the dealership. Wait a minute, your phone. Yeah, it's 199 00:14:37.919 --> 00:14:41.200 connected. Thought, It's all connected, like with the computers and stuff. 200 00:14:41.799 --> 00:14:45.039 So, by the way, may I ask something on this hybrid? How 201 00:14:45.080 --> 00:14:48.720 many horse power do they rate that? Oh? God, I couldn't even 202 00:14:48.720 --> 00:14:52.159 tell you. Well, did you feel like it? Or like is it 203 00:14:52.200 --> 00:14:56.080 a one? Is it equivalent to like a one fifty? Or what I'd 204 00:14:56.120 --> 00:15:00.000 say? Probably like maybe like that or two? Like two hundred horse powers? 205 00:15:00.159 --> 00:15:01.480 A take No, No, I don't mean horsepower. I mean like, 206 00:15:03.000 --> 00:15:07.399 is it like a fifteen hundred pick up? Think of like a smaller 207 00:15:07.440 --> 00:15:11.360 Ford Ranger, just like a Ford Ranger. Oh, it's one of those 208 00:15:11.440 --> 00:15:15.840 smaller downsize trucks. It's just like a smaller, smaller Ford Ranger, just 209 00:15:15.879 --> 00:15:20.440 a smaller It doesn't have plenty of power for what I needed. Does Yeah, 210 00:15:20.600 --> 00:15:22.480 I get a toe a. You know, I can tow up to 211 00:15:22.519 --> 00:15:24.279 a ton with it. I can do what I need to do for my 212 00:15:24.480 --> 00:15:28.840 job. It's great for me. But anyway, the powertrain ended up having 213 00:15:28.840 --> 00:15:33.759 an issue. I had it towed to Bright and Forward. They had it 214 00:15:33.799 --> 00:15:37.279 for about two weeks and then I finally get a phone call from them saying, 215 00:15:37.320 --> 00:15:41.799 hey, we've got it fixed. It was the power training. I 216 00:15:41.840 --> 00:15:46.320 don't get. I don't hold on, bro, I don't want to hear 217 00:15:46.399 --> 00:15:50.360 powertrain. I mean, there's so many components. What did they tell you 218 00:15:50.399 --> 00:15:54.799 anything specific they did? They just said they fixed it. But here's where 219 00:15:54.879 --> 00:15:58.399 the problem comes in. They go, we fixed it, but while we 220 00:15:58.480 --> 00:16:03.559 were out test driving, your vehicle was involved in a small accident. There's 221 00:16:03.600 --> 00:16:07.399 some damage. You can come and get your car. It's driver. So 222 00:16:07.480 --> 00:16:12.519 I get you have a brand new truck, little and they say, sorry, 223 00:16:12.759 --> 00:16:18.919 what kind of accident? And they got rear ended by some dump truck 224 00:16:18.000 --> 00:16:22.320 or something and they were pushed into another vehicle because they were parts two clothes 225 00:16:23.159 --> 00:16:26.879 and so now I have rear ends and front end damage. Hold on, 226 00:16:27.240 --> 00:16:32.720 hold on, it was parked when it happened. They were stopped at a 227 00:16:32.799 --> 00:16:37.519 light waiting. Okay, now, Niles, you're gonna hate hearing this. 228 00:16:41.080 --> 00:16:48.279 Here it is. They were a permissive driver. They did not steal your 229 00:16:48.320 --> 00:16:52.320 truck. They did not negligently use your truck going out to a bar after 230 00:16:52.399 --> 00:16:57.320 work. It wasn't an employee on a joy ride. It was a permissive 231 00:16:57.440 --> 00:17:03.559 use of the car and they did. What's that? I totally get that, 232 00:17:03.640 --> 00:17:06.400 and I know that they're now hold on, no, no, I 233 00:17:06.440 --> 00:17:10.200 want to tell other people listening, not only was it a permissive use, 234 00:17:10.720 --> 00:17:14.519 but they were not at fault. It would have been a whole different ballgame 235 00:17:15.000 --> 00:17:22.200 if they were at fault. They were a permissive driver and another driver hit 236 00:17:22.279 --> 00:17:26.759 them. It's exactly the same as if you were driving and another driver hit 237 00:17:26.839 --> 00:17:33.240 you. It's all about collecting from the other driver and from your insurance or 238 00:17:33.279 --> 00:17:40.839 both. Gotcha. It sucks? Oh yeah, but it's but it's true. 239 00:17:41.119 --> 00:17:45.000 You can I can't see you suing them for negligence or for damages. 240 00:17:45.480 --> 00:17:49.960 Now you're going to say it was in their Karen custody. I totally agree 241 00:17:51.000 --> 00:17:56.480 with you. There might be attorneys who believe there was a bailment created and 242 00:17:56.640 --> 00:18:00.119 they had a duty to uphold, and they have to give it back to 243 00:18:00.240 --> 00:18:04.079 exactly the same as was given to them. That might hold up, and 244 00:18:04.119 --> 00:18:07.680 I'd like to check with an attorney. In fact, John Fuller doesn't do 245 00:18:07.799 --> 00:18:11.119 property damage. He does personal injury, but he knows about it, So 246 00:18:11.160 --> 00:18:15.920 I'm going to ask him. I want to get an attorney's opinion. What 247 00:18:15.079 --> 00:18:18.119 were you hoping that they would just have to make you whole? Right? 248 00:18:18.720 --> 00:18:23.440 Yeah, at least either fix it or you know, I mean, what 249 00:18:23.480 --> 00:18:27.240 do they say about that? What do they say about it? What do 250 00:18:27.359 --> 00:18:33.160 they say about it not our problem? They do? They say basically the 251 00:18:33.240 --> 00:18:37.240 same thing as I said, it's not their fault. Yeah, they just 252 00:18:37.279 --> 00:18:41.039 said, it's not our fault, it's here's the other guy's insurance. It's 253 00:18:41.039 --> 00:18:45.200 on you now and then and then basically they were just kind of like. 254 00:18:45.559 --> 00:18:49.559 What frustrates me though, is I did buy the gap coverage. Thankfully I 255 00:18:49.599 --> 00:18:53.759 was smart enough to do that, because the autobody shop puted me at twenty 256 00:18:53.799 --> 00:18:59.799 five thousand dollars in repairs. That's more than the truck is worse. So 257 00:19:00.160 --> 00:19:02.880 well, you're gonna get so you're going to get a new truck anyway, 258 00:19:02.960 --> 00:19:06.839 right, Hopefully if the if the insurance is going to do that, the 259 00:19:06.880 --> 00:19:11.079 other guy's insurance, the other party's insurance is and what do you care? 260 00:19:11.440 --> 00:19:15.240 Let me ask you something. Let me ask you something. Straight up, 261 00:19:15.880 --> 00:19:19.400 it's a not at fault accident. Why do you care if your insurance, 262 00:19:19.680 --> 00:19:23.839 the other guy's insurance, or the dealer pays it. What do you care? 263 00:19:25.640 --> 00:19:29.640 I'm out the three thousand dollars cash I put as a down payment. 264 00:19:30.319 --> 00:19:32.160 No you shouldn't. No, no, no, no, no no. 265 00:19:32.240 --> 00:19:36.160 You would not be out that if you bought the gap and you listen, 266 00:19:36.519 --> 00:19:40.119 if you're made whole and get another truck, how are you out three thousand 267 00:19:40.200 --> 00:19:42.759 dollars if they give me a new truck? The other insurance company has been 268 00:19:44.000 --> 00:19:47.000 very well, no, they're not going to give you a new truck. 269 00:19:47.160 --> 00:19:51.599 They're going to give you a truck equivalent to the truck you had one second 270 00:19:51.759 --> 00:19:56.079 before the accident. And I'd love that. I would love if they could 271 00:19:56.119 --> 00:20:00.559 do that that. Well, how many miles were on this truck? Only 272 00:20:00.599 --> 00:20:06.319 eighteen thousand? Then you should get a truck of comparable value. Why do 273 00:20:06.400 --> 00:20:10.519 you think they won't? Are who was the other guys insurance? It's a 274 00:20:10.559 --> 00:20:15.119 company called Seduick. Okay, here's what I want to do. Let's get 275 00:20:15.119 --> 00:20:18.680 our attorney on you called in. I want to get you some quality advice. 276 00:20:18.720 --> 00:20:22.720 Okay, that'd be great. I'd appreciate that. Thank you. Sure, 277 00:20:22.119 --> 00:20:26.519 Let's get John Fuller on Kaschina if you can. And then I understand 278 00:20:26.559 --> 00:20:33.960 we're also going to have a follow up that Deputy Chopper was working on with 279 00:20:33.240 --> 00:20:40.160 Solar. So I'd like to get either Mark On or brook either Probidenergy dot 280 00:20:40.200 --> 00:20:47.160 com one of my solar experts, Mark conkleprobid Energy dot com. Or let's 281 00:20:47.200 --> 00:20:52.160 get Brooke on from Red Rocks roof and Solar. Okay, so we got 282 00:20:52.400 --> 00:20:55.359 I want to line her up for when that Solar call comes in. I 283 00:20:55.519 --> 00:21:00.559 also want to get John Fuller on to discuss this. Three ZHO three seven 284 00:21:00.880 --> 00:21:10.640 three A two five five go with a sure thing Denver's Best Roofer Excel Roofing 285 00:21:10.759 --> 00:21:17.240 dot Com. You don't pay a cent until you're content. Time for an 286 00:21:17.279 --> 00:21:22.640 insurance check up, free no obligation comparison call Compass Insurance paying too much your 287 00:21:22.680 --> 00:21:26.799 coverage at dozens of insurance companies find out now three oh three seven seven to 288 00:21:26.799 --> 00:21:30.759 one help You'll think you're his only customer when you choose Frank durand the real 289 00:21:30.839 --> 00:21:34.400 estate man dot Com to list your home with Remax Alliance three oh three nine 290 00:21:34.440 --> 00:21:41.079 two zero sixteen twenty two. Hi, I'm Tom Martino. You're troubleshooter. 291 00:21:41.160 --> 00:21:45.640 By the way, the Castle Rockhome Show this weekend. Don't forget this weekend 292 00:21:45.720 --> 00:21:48.400 starting at noon on Friday. You're gonna love it. And it goes Saturday 293 00:21:48.480 --> 00:21:53.720 and Sunday Douglas County Fairgrounds. Like three hundred or more booths of all kinds 294 00:21:53.720 --> 00:22:02.119 of home improvements, wonderful stuff. Castle Rockhome Show this weekend starting Friday. 295 00:22:03.160 --> 00:22:07.559 Now, let's figure this out. I have John Fuller with me. He's 296 00:22:07.599 --> 00:22:10.640 a personal injury expert, but he deals in this stuff all the time. 297 00:22:10.640 --> 00:22:14.079 When it comes to accidents and cars, he knows about it. Let's put 298 00:22:14.119 --> 00:22:15.960 it that way. It's about property, dam John. I want to just 299 00:22:17.039 --> 00:22:19.359 run this by you. Let's say it's you. I know you like pickup 300 00:22:19.400 --> 00:22:26.160 trucks, so you take your pickup truck to a dealer for repairs. They're 301 00:22:26.200 --> 00:22:29.599 out test driving it. They're a permissive driver. They're out test driving it. 302 00:22:29.880 --> 00:22:30.839 The guy didn't take it home from work. I want to make it 303 00:22:30.880 --> 00:22:36.920 clear it wasn't unauthorized us. The guy was test driving. It rear ended 304 00:22:36.960 --> 00:22:42.599 by another truck. So what happens now? He'd like them to replace his 305 00:22:42.680 --> 00:22:48.319 truck the dealer. The dealer says, listen, it's just like an accident. 306 00:22:48.359 --> 00:22:52.519 It's not our fault. Somebody ran into us. So what do you 307 00:22:52.559 --> 00:22:55.920 think, John? Is there any bailman agreement when a dealer takes a truck, 308 00:22:55.960 --> 00:23:00.000 do they have a higher level of responsibility to him or can they say? 309 00:23:00.160 --> 00:23:03.640 Please say? That's like, hey, if your truck was stolen, 310 00:23:03.680 --> 00:23:06.880 we wouldn't have been responsible unless we contributed. I don't know. I mean, 311 00:23:06.920 --> 00:23:08.839 I'm not trying to bait you. I need to know what you think. 312 00:23:11.440 --> 00:23:14.720 Okay. So my analysis of this is that you hit the nail on 313 00:23:14.759 --> 00:23:18.480 the head when you said they're a permissive driver, and as a permissive driver, 314 00:23:18.640 --> 00:23:21.920 the insurance coverage that you have on the vehicle would still be in effect 315 00:23:22.240 --> 00:23:26.079 and would provide all of the coverage that is on that vehicle. The only 316 00:23:26.160 --> 00:23:30.039 exception I think that may come up would be if it was not a permissive 317 00:23:30.119 --> 00:23:33.960 use. And generally, as you know, if you give somebody permission at 318 00:23:33.000 --> 00:23:37.400 any point to use your vehicle, then forever more until the end of time. 319 00:23:37.519 --> 00:23:44.279 They're considered to be a permissive driver under Colorado laws. So I kind 320 00:23:44.279 --> 00:23:48.279 of think that with a dealership it may be it may be the case that 321 00:23:48.279 --> 00:23:52.039 that permission stops at the end of their authorize you. So you couldn't they 322 00:23:52.039 --> 00:23:56.519 couldn't take your car and go to the fast food place for lunch or you 323 00:23:56.519 --> 00:23:59.960 know, or go to a bar after work or do something like that. 324 00:24:00.279 --> 00:24:03.559 But as long as they're operating it within the scope of the permission that you 325 00:24:03.680 --> 00:24:07.519 granted them, I think that your insurance is going to apply. But in 326 00:24:07.559 --> 00:24:12.279 this case, because they were rear ended, even though they subsequently hit another 327 00:24:12.400 --> 00:24:17.079 vehicle, it's still going to be the fault of the vehicle behind them that 328 00:24:17.200 --> 00:24:19.279 did the rear ending. Right, That's where all the coverage is going to 329 00:24:19.279 --> 00:24:26.119 start. The dealership does not owe them a new vehicle in my opinion. 330 00:24:26.799 --> 00:24:33.640 Okay, Niles, I want to ask you something you're not denying it was 331 00:24:33.680 --> 00:24:37.599 permissive use, right, I'm assuming it was. Yeah, I'm that they 332 00:24:37.680 --> 00:24:42.200 had to take it out and test dry that once they were done repairing it, 333 00:24:42.279 --> 00:24:48.519 So yeah, that's too bad. Now as far as your down payment 334 00:24:48.599 --> 00:24:52.000 goes, they may not say to you, here's your down payment and here's 335 00:24:52.079 --> 00:24:56.400 money for the truck, but they have to settle with you on the value 336 00:24:56.480 --> 00:25:02.559 of the truck. Where it might get dicey is where you can't come to 337 00:25:02.599 --> 00:25:04.920 an agreement on what the value is and for that, I want to refer 338 00:25:06.000 --> 00:25:11.920 you to someone else. And that's petty details. Look for petty details on 339 00:25:11.960 --> 00:25:17.079 a referral list. They do this for people for free, most of the 340 00:25:17.160 --> 00:25:19.839 time a small fee of you really have to fight and go into arbitration. 341 00:25:21.599 --> 00:25:29.599 These guys are the experts at valuing vehicles. Okay, petty details. So 342 00:25:30.039 --> 00:25:33.400 I'm sorry about this, but you know what I'm thinking. It's one of 343 00:25:33.440 --> 00:25:40.519 those things that that happened and I'm telling you people they just can't stand it. 344 00:25:41.559 --> 00:25:45.839 Two other examples, Niles. Let's say your truck's there and he gets 345 00:25:45.920 --> 00:25:49.880 hit by hal. I say, what happens if it was part at a 346 00:25:49.960 --> 00:25:52.559 friend's house or at a mole and a guy hit by Hell, it's not 347 00:25:52.759 --> 00:25:56.559 the dealer's fault. The way it would be the dealer's fault is if they 348 00:25:56.720 --> 00:26:02.279 promised you they were going to keep it inside and they didn't, or they 349 00:26:02.400 --> 00:26:04.519 saw it coming and said, you know what, let's pull this guy's truck 350 00:26:04.559 --> 00:26:07.240 out. We don't like them, you know, something stupid. The other 351 00:26:07.359 --> 00:26:14.119 one is theft or vandalism unless they contributed to it they left the keys in 352 00:26:14.160 --> 00:26:17.519 the car, or they were stupid about it. So that's the way that 353 00:26:17.559 --> 00:26:22.640 normally works. Three oh three seven one three talk three all three seven one 354 00:26:22.680 --> 00:26:29.720 three eight two five five. Now it's Melissa's Melissa's uh turn, Melissa, 355 00:26:29.759 --> 00:26:45.359 what's happening? Melissa high? Anyways, I think somebody has I used my 356 00:26:45.559 --> 00:26:49.279 unemployment, your unemployment? How do you? Why do you think that? 357 00:26:51.599 --> 00:26:56.480 Because there got me on an integrity hold? Now as hold on? Were 358 00:26:56.519 --> 00:27:02.039 you on unemployment and then they put you on a hold or did you try 359 00:27:02.079 --> 00:27:06.880 to get unemployment? I tried to get unemployment, so you were not on 360 00:27:07.079 --> 00:27:10.359 unemployment. You just tried to apply and they said to you. You know, 361 00:27:10.480 --> 00:27:15.960 Melissa, you're on an integrity hold. Mm hmm. So when did 362 00:27:15.960 --> 00:27:25.200 you try? When did you apply for unemployment? Around the fourth of February? 363 00:27:26.440 --> 00:27:30.559 And what did they say? They said you can't How long did they 364 00:27:30.559 --> 00:27:36.799 wait to tell you this? I told me I had to be put to 365 00:27:36.920 --> 00:27:41.559 go through an integrity hole before I could get my unemployment. And what did 366 00:27:41.559 --> 00:27:45.519 that mean is this something everyone goes through. I've never heard of this before, 367 00:27:45.720 --> 00:27:51.160 or did they tell you it was due to a problem. It's due 368 00:27:51.200 --> 00:28:00.880 to people froggy department layer before twenty sixteen. But so does everyone go on 369 00:28:00.920 --> 00:28:04.839 this integrity hold or or is it only if they think you've been hacked? 370 00:28:07.440 --> 00:28:11.319 As far as I know, they said everyone has to do this. Oh 371 00:28:11.440 --> 00:28:17.480 okay, and how long do they put you on an integrity hold? Suppose 372 00:28:17.519 --> 00:28:22.200 to the age of ten weeks? Wow? Wait a minute, so anyone 373 00:28:22.279 --> 00:28:29.680 who goes for unemployment is put on an integrity hold for that long? Yeah, 374 00:28:29.960 --> 00:28:33.599 at the least. What I don't know if you saw the New last 375 00:28:33.680 --> 00:28:37.279 night, but they had a lady that's been on that so longer than that. 376 00:28:38.640 --> 00:28:42.960 What do people do for money when they're I don't I don't even understand 377 00:28:44.000 --> 00:28:49.279 this hold on? So so what are you calling us to let us know? 378 00:28:49.480 --> 00:28:52.319 Or did you think we could get through and have it lifted or what? 379 00:28:53.960 --> 00:28:57.759 You know? I need I need to let people know. Yes, 380 00:28:57.799 --> 00:29:03.160 so this is going on. But at the same time I'm having problems with 381 00:29:03.240 --> 00:29:07.440 this. Well, of course, because you need to pay my bills now, 382 00:29:07.640 --> 00:29:11.000 you know. I you know what Katschina, get one of our deputies 383 00:29:11.039 --> 00:29:14.799 on this. We need to ask. We need to get a spokesperson on 384 00:29:14.839 --> 00:29:21.920 from Unemployment to to talk about integrity holds. Seriously, I have never heard 385 00:29:21.960 --> 00:29:23.960 of this before. It's Kachina. I don't know if she's on the phone, 386 00:29:25.079 --> 00:29:29.799 she's here, Okay, Kaschina. We have a contact over at Unemployment. 387 00:29:29.880 --> 00:29:32.799 We do. I want to hear. I just want to know. 388 00:29:33.039 --> 00:29:37.440 Maybe Phil will come on Spsshart if he's if he could maybe comment on integrity 389 00:29:37.440 --> 00:29:41.839 holds. I can always reach out to them. Let me let me see 390 00:29:41.880 --> 00:29:45.359 what I can keep saying. Everyone is being put on this due to excessive 391 00:29:47.079 --> 00:29:51.440 fraud. But what is what happens to her? Melissa? Leave your name 392 00:29:51.480 --> 00:29:56.000 and number so we can call and figure out what the heck is going on. 393 00:29:56.400 --> 00:30:00.480 Three oh three seven one three talk eight eight eight Heating dot Com twenty 394 00:30:00.519 --> 00:30:03.000 eight bucks. They come and tune up whatever you want, the toilet, 395 00:30:03.440 --> 00:30:08.960 the water heater, whatever item you need, electrical panel, it's electric plumbing, 396 00:30:10.000 --> 00:30:15.240 heating or cooling. And what they do twenty eight dollars. And if 397 00:30:15.240 --> 00:30:18.960 you need any more repairs, they credit you the twenty eight bucks. That's 398 00:30:18.000 --> 00:30:22.839 eight eight eight Heating dot com three oh three seven seven zero two seven seven 399 00:30:22.920 --> 00:30:30.559 six Go with a sure thing Denver's best roofer Excel Roofing dot com. You 400 00:30:30.599 --> 00:30:37.640 don't pay a cent until you're content. Time for an insurance check up free, 401 00:30:37.680 --> 00:30:42.200 no obligation. In comparison, call Compass Insurance paying too much your coverage 402 00:30:42.240 --> 00:30:47.079 at dozens of insurance companies find out now three oh three seven seven to one. 403 00:30:47.200 --> 00:30:49.680 Help. You'll think you're his only customer when you choose Frank durand the 404 00:30:49.720 --> 00:30:55.279 real estate Man dot com to list your home with Remax Alliance three oh three 405 00:30:55.359 --> 00:31:03.559 nine two zero sixteen twenty two. Hey Tom Martino here, welcome to the 406 00:31:03.599 --> 00:31:07.359 show. Three zero three seven to one to three talk three all three each 407 00:31:07.400 --> 00:31:11.640 seven one three eight two five five. We got another thing here. Let 408 00:31:11.640 --> 00:31:15.400 me put on that wide shot for doctor Joel. Another question we got texted 409 00:31:15.440 --> 00:31:18.319 to us five seven seven three nine. You can text me if you have 410 00:31:18.680 --> 00:31:22.920 a question. They want to know if you go off. They've heard different 411 00:31:22.920 --> 00:31:30.319 things. When you go off of semaglutide or chrzepetide for weight loss, do 412 00:31:30.400 --> 00:31:33.319 you gain the weight right back? I have an answer for that, but 413 00:31:33.519 --> 00:31:37.240 I mean you tell me what the official answer is. Well, there was 414 00:31:37.279 --> 00:31:41.200 a study in the Journal of the American Medical Association on that very topic, 415 00:31:41.559 --> 00:31:47.799 and what it showed is that people lose tend to lose about twenty percent of 416 00:31:47.799 --> 00:31:52.720 their body weight over the course of twelve weeks if they go off to if 417 00:31:52.759 --> 00:31:56.640 they go off some meglotide, then over the course of the next thirty over 418 00:31:56.680 --> 00:32:00.799 the course of the next thirty six weeks, they gained back about half of 419 00:32:00.799 --> 00:32:05.000 the weight. So you maintain at least ten percent of the weight loss over 420 00:32:05.039 --> 00:32:08.000 the next three years, even if you go off of it after the first 421 00:32:08.680 --> 00:32:15.519 three months. Okay, here's what I think. The whole idea is, 422 00:32:15.599 --> 00:32:21.119 you get used to new eating habits if you do it right right, in 423 00:32:21.119 --> 00:32:23.319 other words, you look at what the volume was and what you're doing now. 424 00:32:24.200 --> 00:32:28.440 And the only reason I think you would go off it, I think 425 00:32:28.440 --> 00:32:31.000 your body gets used to less calories. And I think the only reason you 426 00:32:31.119 --> 00:32:36.680 go off it is psychologically. Yeah, I mean, really, I another 427 00:32:36.799 --> 00:32:38.839 not go off it. I mean, the only reason you would increase your 428 00:32:38.880 --> 00:32:44.039 caloric intake, it's not because you need it. Your body will be convinced 429 00:32:44.039 --> 00:32:46.279 of that after time. Yeah, I mean, we see that with our 430 00:32:46.279 --> 00:32:50.839 patients that have been on it for three four months that they're just maintaining the 431 00:32:50.839 --> 00:32:53.960 weight loss that they've had Denver Regen dot com. Let's go to Michael. 432 00:32:54.279 --> 00:32:59.319 He has a comment on integrity holes. So I found out something today I've 433 00:32:59.359 --> 00:33:08.319 never heard before war and that is integrity holds for unemployment and that means that 434 00:33:08.359 --> 00:33:12.640 everybody has to wait. I don't know what that means, but go ahead, 435 00:33:12.640 --> 00:33:15.880 what do you have to say about that? Michael? It is a 436 00:33:16.119 --> 00:33:24.279 real thing. Uh. I you know back at the oh, you know, 437 00:33:24.480 --> 00:33:29.680 starting at the COVID you know, yeah, craft that went around. 438 00:33:29.720 --> 00:33:34.799 You know, that's a lot of fraud job loss. Yeah, what a 439 00:33:34.880 --> 00:33:42.640 front. And I collected unployment and after a while, you know, managed 440 00:33:42.640 --> 00:33:49.079 to kind of get back on my feat get another job, and unfortunately that 441 00:33:49.079 --> 00:33:53.559 one also came to an end, and so I reapplied and uh, were 442 00:33:53.599 --> 00:33:59.400 you put on hold? Yes, you know there was a problem and it 443 00:33:59.640 --> 00:34:04.000 like was Scott six months into it and I'm like, what's the what to 444 00:34:04.119 --> 00:34:06.640 you? And know what? So, by the way, did you finally 445 00:34:06.680 --> 00:34:09.239 get the back payment? I did? I did finally, But then you 446 00:34:09.239 --> 00:34:13.079 know that was the term that came up. Well, I see there's an 447 00:34:13.119 --> 00:34:16.960 integrity goal placed on your Okay, thank you for confirming that we're going to 448 00:34:17.039 --> 00:34:21.119 find out more about it coming up. I'm Tom Martinez three O three seven 449 00:34:21.159 --> 00:34:24.000 one three eight two five five. Don't forget. We have more with Denver 450 00:34:24.079 --> 00:34:31.840 Regen dot com as well. What would your twelve year old self say? 451 00:34:32.519 --> 00:34:36.800 Now, you want to be a doctor. You don't think teachers saved lots. 452 00:34:36.880 --> 00:34:39.880 Go with a sure thing Denver's best roofer Excel Roofing dot com. You 453 00:34:39.920 --> 00:34:46.960 don't pay a cent until you're content. Time for an insurance check up free, 454 00:34:47.039 --> 00:34:52.519 no obligation. In comparison, call Compass Insurance paying too much your coverage 455 00:34:52.559 --> 00:34:55.400 at dozens of insurance companies find out now three oh three seven seven to one 456 00:34:55.519 --> 00:35:00.519 help. You'll think you're his only customer when you choose Frank durand Real estate 457 00:35:00.559 --> 00:35:04.960 Man dot com to list your home with Remax Alliance three all three nine two 458 00:35:05.079 --> 00:35:19.920 zero sixteen twenty two ripped tough news. Need advice so you don't have come 459 00:35:20.039 --> 00:35:25.880 running as fast as we can. Shooter's gonna help. Come man, This 460 00:35:27.519 --> 00:35:32.039 is the Troubleshooter Show. No Tom Martino. Hey, I'm Tom Martino. 461 00:35:32.280 --> 00:35:36.719 Welcome to the show. If you're looking for home improvements. The Castle Rock 462 00:35:36.760 --> 00:35:40.599 Home Show coming up this weekend starting at noon on Friday. They're fun. 463 00:35:40.960 --> 00:35:45.760 The Castle Rock is really fun. Plenty of parking you don't mess with downtown 464 00:35:45.960 --> 00:35:51.119 Denver Douglas County Fairgrounds. Look it up. The Castle Rock Home Show this 465 00:35:51.199 --> 00:35:53.599 weekend like over three hundred booths. If you're looking for something to do, 466 00:35:53.679 --> 00:35:57.920 I think I'm gonna drop down. It's gonna be fun. And that's Friday, 467 00:35:58.000 --> 00:36:00.880 Saturday and Sunday Saturday. It starts at ten in the morning Sunday at 468 00:36:00.880 --> 00:36:04.840 eleven, So that's casser Rock Holme Show. Hey, let's talk to you 469 00:36:05.079 --> 00:36:10.760 today. We have our guest in talking about semaglutide and turns eppetide, which 470 00:36:10.840 --> 00:36:19.280 are weight loss drugs that they are compounding at way reduced prices. And we'll 471 00:36:19.280 --> 00:36:22.199 get to that in a little while if you have any questions Denverregen dot com. 472 00:36:22.239 --> 00:36:29.519 We're also going to talk about unemployment. By the way, unemployment, 473 00:36:30.599 --> 00:36:40.400 we're told now people are put on integrity holds. Integrity holds not just select 474 00:36:40.400 --> 00:36:45.760 people but everyone, which means you automatically have to wait longer than you would. 475 00:36:45.800 --> 00:36:49.760 We're trying to find out more information on that. So if you know 476 00:36:49.840 --> 00:36:53.760 anything about it, give us a call. Meanwhile, we'll talk to This 477 00:36:53.840 --> 00:36:58.679 happened by the way to Melissa, and we're trying to get an answer. 478 00:36:58.679 --> 00:37:01.800 But I think she's also talked about social security. Melissa, do you also 479 00:37:01.960 --> 00:37:08.800 have a social security question or issue? No, I think somebody took myself 480 00:37:08.920 --> 00:37:14.960 security number in Oh I get it. No, No they didn't. I 481 00:37:15.039 --> 00:37:19.239 think you're just hearing. You're just as you heard from that other caller. 482 00:37:19.679 --> 00:37:24.760 I think what's happening is that really what's going on is what we thought, 483 00:37:24.840 --> 00:37:32.320 and that is people are all all people are on this, not just you. 484 00:37:32.880 --> 00:37:37.519 It's kind of happening to everyone. So it's a pain and it's going 485 00:37:37.559 --> 00:37:42.880 to be inconvenient. But if you keep listening to the show, we will 486 00:37:42.920 --> 00:37:46.679 talk about that when we get somebody from unemployment on to talk about it. 487 00:37:46.719 --> 00:37:52.320 Three oh three seven one three eight, two five five Lorraine, what's going 488 00:37:52.360 --> 00:37:54.239 on with you? After? Lorraine will have some open lines as well, 489 00:37:54.880 --> 00:37:59.320 and you can also call three oh three Martino twenty four to seven, three 490 00:37:59.400 --> 00:38:01.840 oh three, six two seven eight four sixty six High Lorraine, What's going 491 00:38:01.880 --> 00:38:09.960 on? Tom December fifteenth, twenty twenty one. The roof blew off my 492 00:38:10.079 --> 00:38:15.719 commercial building. Wow, I'm a state pouk. Wait wait when did this 493 00:38:15.840 --> 00:38:22.199 Happencember fifteenth of twenty twenty one, oh, twenty twenty one? Okay, 494 00:38:22.280 --> 00:38:28.800 yeah, I'm the state farm adjuster. First he was arguing with my roofing 495 00:38:28.840 --> 00:38:32.360 company over what type of roof? Well, what kind was it? By 496 00:38:32.400 --> 00:38:39.320 the way, it was a torchdown and they wanted to put a hot mod. 497 00:38:39.440 --> 00:38:43.280 Bit. Now, when you say a torchdown, was this a flat 498 00:38:43.360 --> 00:38:49.639 roof or just a light light pitch? What was it? Very little pitch? 499 00:38:49.760 --> 00:38:57.639 Mostly flat? Okay, the tubble was torchdown. Materials wouldn't be available 500 00:38:57.760 --> 00:39:01.199 till March. They wanted to put a mode which is three thousand dollars cheaper. 501 00:39:02.239 --> 00:39:07.320 The adjuster dickered with them for several weeks. Now, who is it 502 00:39:07.360 --> 00:39:09.840 that wanted to who is it that wanted to put the different kind of roof 503 00:39:09.880 --> 00:39:15.400 on? My roofing company? Turned on why? Because why you get a 504 00:39:15.480 --> 00:39:22.320 roof on? Oh? Because the other one wasn't available wasn't available for four 505 00:39:22.360 --> 00:39:28.400 more months. So he argued with him for quite a while. And the 506 00:39:28.480 --> 00:39:36.000 kind that you opted for was was what kind? Was three thousand dollars cheaper? 507 00:39:36.760 --> 00:39:38.639 Okay, got it. I was okay with that, get a roof 508 00:39:38.679 --> 00:39:44.119 on, but the adjuster kept arguing, and he was out with COVID for 509 00:39:44.159 --> 00:39:47.559 two weeks, and he played a week at Ketchup by What was the original 510 00:39:47.639 --> 00:39:51.400 roof? By the way, what kind was it? The kind that is 511 00:39:51.440 --> 00:39:57.360 on delay? Yes, the original was the kind on delay? Got it, 512 00:39:57.760 --> 00:40:00.199 and the adjuster said, we had to put like kind. Oh we 513 00:40:00.199 --> 00:40:06.320 couldn't get this. Well, they never complain usually about like kind or cheaper 514 00:40:06.440 --> 00:40:10.880 for goodness sakes, Oh this one did. Huh. And he was out 515 00:40:10.920 --> 00:40:15.280 with COVID for two weeks. Then he played a week of Ketchup. I 516 00:40:15.320 --> 00:40:19.400 didn't get a written estimate for forty days. The ruffers could have put a 517 00:40:19.480 --> 00:40:23.159 roof on in two weeks. We were waiting for, obviously a written approval 518 00:40:23.719 --> 00:40:29.880 from the interns adjuster. By the time forty days comes and he gets around 519 00:40:29.920 --> 00:40:35.079 to doing giving me a written estimate after he gets over his COVID and the 520 00:40:35.159 --> 00:40:40.119 roofers couldn't come till February twelfth day they started, we got an unexpected snowstorm. 521 00:40:40.320 --> 00:40:45.079 Hold on, so you're telling me the adjuster. The adjuster turned down 522 00:40:45.119 --> 00:40:52.960 the roof until he could do but then he eventually approved it. Eventually approved 523 00:40:52.000 --> 00:40:57.320 it after he got back from having COVID and playing ketchup for three weeks. 524 00:40:58.519 --> 00:41:02.400 It took forty days to get an estimate. By that time, the roofers 525 00:41:02.440 --> 00:41:07.239 couldn't do it for another couple of weeks. By the time they started, 526 00:41:07.280 --> 00:41:10.400 we got a snowstorm and interior damage. Yeah, you're not gonna know You're 527 00:41:10.559 --> 00:41:14.679 I know where you're going. You're not going to get anyone. You're not 528 00:41:14.719 --> 00:41:21.079 going to blame the adjuster for that, Hi, because you're not. He 529 00:41:21.239 --> 00:41:23.360 was first. I'll tell you. Okay, you asked why, I'll tell 530 00:41:23.400 --> 00:41:29.559 you because under your policy, under your contract, you're obligated to mitigate your 531 00:41:29.599 --> 00:41:32.559 damages and protect your roof, no matter what it cost. You're obligated to 532 00:41:32.599 --> 00:41:37.119 protect it to prevent further damage. The second thing is there's no control over 533 00:41:37.159 --> 00:41:42.239 a guy getting COVID. The third thing is there's no control over your roof 534 00:41:42.280 --> 00:41:45.440 for delaying. So it wasn't all your insurance company's fault either. So how 535 00:41:45.440 --> 00:41:53.079 do you assign blame? Okay, Well, number one, the roofers did 536 00:41:53.119 --> 00:41:57.280 come and try to tarpet Tom. This is a fifty by one hundred foot 537 00:41:57.320 --> 00:42:04.280 bill. Okay, But the short Call an attorney and they'll tell you. 538 00:42:04.920 --> 00:42:08.360 They'll tell you you're not gonna get anywhere. You have to put in a 539 00:42:08.440 --> 00:42:14.800 second claim and pay your deductible, but you will be covered by your insurance. 540 00:42:15.440 --> 00:42:19.599 What trouble is? Okay, they did I did want me to do 541 00:42:19.639 --> 00:42:22.639 a second claim. They said they'd do, they would put it on the 542 00:42:22.679 --> 00:42:28.000 original claim. But they've low balled every general contractor estimate I've submitted. Well, 543 00:42:28.079 --> 00:42:30.920 that's a whole separate issue. You're dealing with a company. You shouldn't 544 00:42:30.920 --> 00:42:35.960 even be dealing with him. You should call a public adjuster and get and 545 00:42:36.000 --> 00:42:39.639 get this damn thing done the right way. A public adjuster will kick their 546 00:42:39.679 --> 00:42:45.599 ass. I call multiple public adjusters. One talked to Big Talk. Big 547 00:42:45.639 --> 00:42:50.280 Talk jerked me around for six weeks. He was supposed to show up with 548 00:42:50.320 --> 00:42:53.000 his crew one day, didn't come. I called him. He said, 549 00:42:53.000 --> 00:42:57.000 oh, I'm on an inspection and call her a spree. Well, then 550 00:42:57.119 --> 00:43:00.360 guess what you called the wrong one? Who did you call? Did you 551 00:43:00.400 --> 00:43:06.400 call? I hope it wasn't someone in my on my list. I don't 552 00:43:06.400 --> 00:43:09.639 know he's on your list. It was company? Okay, So what happened? 553 00:43:10.119 --> 00:43:15.480 What's the bottom line. Where where are we right now? And now 554 00:43:15.480 --> 00:43:20.159 we're twenty eight months out? My building shuttered? They keep lowballing every general 555 00:43:20.239 --> 00:43:23.000 contractor estimate. I sin, okay, you still need a public adjuster. 556 00:43:23.719 --> 00:43:29.119 You still need a public adjuster. I'm hoping you didn't lose any rights. 557 00:43:29.159 --> 00:43:34.000 You're twenty eight months past the damage. You never well, no, you 558 00:43:34.199 --> 00:43:39.719 filed a claim though you only have You only have three years until it's closed 559 00:43:39.719 --> 00:43:44.440 out completely. You need to call. Listen. I want you to try. 560 00:43:46.000 --> 00:43:53.480 I want you to try Paragon Services. They have public adjuster. YEP, 561 00:43:53.519 --> 00:44:01.360 a public adjuster. Paragon Services, My buddy, Matt Stanford. You 562 00:44:01.400 --> 00:44:05.639 tell him that I told you to call. What's that? I want you 563 00:44:05.679 --> 00:44:07.360 to listen. I'm going to try to get that number for you right now. 564 00:44:09.519 --> 00:44:15.719 I want you to tell him that I told you to call, and 565 00:44:15.760 --> 00:44:20.960 I want to see what he can do. I'm not promising he can drop 566 00:44:21.000 --> 00:44:25.719 everything, but you need to protect yourself. You're just getting jerked around right 567 00:44:25.719 --> 00:44:31.199 now. That's what's happening. You're getting totally jerked around. Let me see 568 00:44:31.239 --> 00:44:37.840 the number is damn it? Okay? Here it is seven to one nine 569 00:44:37.320 --> 00:44:45.360 seven two six zero zero two zero. What was his name? Again, 570 00:44:45.440 --> 00:44:50.440 Matt, Matt, just say I'm Matt Stanford, but call just call him 571 00:44:50.440 --> 00:44:57.599 and see what he says. How tell me the dollar difference? Do you 572 00:44:57.760 --> 00:45:00.199 know you can sue them for bad faith and win and get a tourney. 573 00:45:00.239 --> 00:45:05.760 You can get attorney's fees even if they turned down a legitimate claim without a 574 00:45:05.760 --> 00:45:09.679 good reason. Did you know that I've called a handful of lawyers. They 575 00:45:09.719 --> 00:45:14.559 all say this is not their type of case. Well that's because you didn't 576 00:45:14.559 --> 00:45:17.639 call a did you. Did you know there are attorneys that handle nothing but 577 00:45:20.920 --> 00:45:25.039 nothing but bad faith. But first they want you to get they want you 578 00:45:25.119 --> 00:45:29.760 to go through the process. So so Lorange, just listen. First, 579 00:45:29.800 --> 00:45:34.599 you get a public adjuster to determine what you need and if it's reasonable, 580 00:45:34.880 --> 00:45:37.960 then you get a contractor to bid it. And if your insurance company turns 581 00:45:37.960 --> 00:45:42.800 it down, you have a bad faith claim and most of the time you 582 00:45:42.800 --> 00:45:45.719 will win and you will get a lot of damages. Now you want to 583 00:45:45.760 --> 00:45:49.280 know a law firm, I already told you. But first you go through 584 00:45:49.360 --> 00:45:52.880 Paragon, then Black or Daily Black. I believe it's called the Black Daily. 585 00:45:53.000 --> 00:46:00.320 I think it's Daily Da l Y Black. And they are are attorneys 586 00:46:00.800 --> 00:46:08.719 that do bad faith. Yep, it's daily and black daily and black da 587 00:46:09.159 --> 00:46:15.639 l y and black the color black daily and black and those suckers, those 588 00:46:15.719 --> 00:46:23.280 suckers, here's the number for them. Seven to zero nine two five zero 589 00:46:23.599 --> 00:46:32.280 seven eighty five. Okay, let me know what happens, because I think 590 00:46:34.840 --> 00:46:37.239 I think you have a good case. Three all three, seven to one 591 00:46:37.360 --> 00:46:39.800 three talk seven one three eight two five to five. You know, Frank 592 00:46:39.880 --> 00:46:44.400 Duran, the real estate man, will do an evaluation of your home what 593 00:46:44.480 --> 00:46:46.400 they call a market analysis, to see what it will sell. Where you 594 00:46:46.440 --> 00:46:50.000 might think, wait, I'll just list it with a guy because he said 595 00:46:50.000 --> 00:46:52.079 it's worth this much. No, don't. Frank Duran will never lie to 596 00:46:52.079 --> 00:46:55.400 you. He's accurate. He's one of the best, most prolific real estate 597 00:46:55.440 --> 00:47:00.000 brokers in all of Colorado. He will go there and he will examine your 598 00:47:00.000 --> 00:47:04.679 home and no obligation whatsoever ever to list. He'll tell you what it will 599 00:47:04.679 --> 00:47:07.639 sell for, in my opinion, in almost a certainty three oh three nine 600 00:47:07.719 --> 00:47:17.880 two zero sixteen twenty two. Frank durand the real estate man dot com go 601 00:47:17.960 --> 00:47:22.199 with a sure thing Denver's best roofer Excel Roofing dot com. You don't pay 602 00:47:22.199 --> 00:47:30.320 a cent until you're content. Time for an insurance checkup free no obligation comparison 603 00:47:30.440 --> 00:47:36.519 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 604 00:47:36.559 --> 00:47:39.119 now three oh three seven to seven one help. You'll think you're his only 605 00:47:39.199 --> 00:47:44.000 customer when you choose Frank durand the real estate man dot com to list your 606 00:47:44.039 --> 00:47:53.119 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi 607 00:47:53.320 --> 00:47:59.599 Tom Martine here three O three seven one three talk three O three seven one 608 00:47:59.679 --> 00:48:01.880 three eight two five five. Lines are open. You can call right now 609 00:48:01.920 --> 00:48:05.639 with any problem, question or complain, and you can always call three H 610 00:48:05.679 --> 00:48:09.159 three Martino three O three six two seven eight four sixty six. Now, 611 00:48:09.199 --> 00:48:15.440 Deputy Chopper, you said Chopper's there, right, I assume, And uh 612 00:48:15.119 --> 00:48:20.719 you said that the solar company or the solar people might be calling. Now 613 00:48:20.800 --> 00:48:24.599 tell me what's going on there. Uh, we're waiting to for them to 614 00:48:24.599 --> 00:48:29.000 call in. They haven't called in like they said. But uh, we 615 00:48:29.000 --> 00:48:32.159 were going to talk about they We thought we could go or tell them how 616 00:48:32.199 --> 00:48:38.760 to go against gold Leaf finance. In other words, the finance company can't 617 00:48:38.760 --> 00:48:45.639 collect on something that in a solar business that is not being done right that? 618 00:48:46.320 --> 00:48:50.679 And this is the worst solar company I've ever heard of, this first 619 00:48:50.719 --> 00:48:54.519 solar whatever one solar, one solo. And not only is one solar, 620 00:48:54.719 --> 00:49:04.119 does one solar suck? But also I don't like the idea that that even 621 00:49:04.199 --> 00:49:09.440 the other place, Vallot Valor Solar sucks too because they sold it. So 622 00:49:09.519 --> 00:49:15.199 you have two sucky companies. And Valor wouldn't put any pressure on one solar. 623 00:49:15.920 --> 00:49:22.400 No, they made their money and they moved on. And so this 624 00:49:22.480 --> 00:49:27.639 is a fifty four thousand dollars Is this the one? I mean? The 625 00:49:28.000 --> 00:49:32.320 system is inoperative, right, Yes, it's a good leap that financed it. 626 00:49:35.440 --> 00:49:40.519 Yes, was this first? Okay is the name of the consumer, 627 00:49:40.599 --> 00:49:45.440 Beth? No, it's Alex and Coy and they should be calling in any 628 00:49:45.639 --> 00:49:50.719 guess what? Guess what? This is the second complaint that we have, 629 00:49:51.159 --> 00:49:55.280 because I just found another one I was talking about and okay, yeah, 630 00:49:55.480 --> 00:50:00.119 yeah, so this, okay, this is Sleeves Brigade time. I didn't 631 00:50:00.159 --> 00:50:05.159 realize this. Did you know? We had a second one? The same 632 00:50:05.199 --> 00:50:10.199 thing happened, totally inoperative. I'm not aware of that. They did give 633 00:50:10.239 --> 00:50:15.599 them a battery, which they said cost sixty thousand, but it only costs 634 00:50:15.599 --> 00:50:20.159 ten. But that's not enough to run their system. You know, Valor 635 00:50:20.280 --> 00:50:24.760 sucks. In fact, did you ask? Wait? So we have literally 636 00:50:24.920 --> 00:50:30.960 three problems with Valor right now, three of them and one Solar. Three 637 00:50:30.000 --> 00:50:36.400 problems with the same thing, three of them. That's you know, that 638 00:50:36.519 --> 00:50:42.159 tells me something. So I definitely have to put them on the seas brigade. 639 00:50:42.280 --> 00:50:45.239 They're not coming through. They're not coming through at all. Valor and 640 00:50:45.400 --> 00:50:49.960 One, you mean both of them, they both suck. They're good partners 641 00:50:50.199 --> 00:50:53.480 and in fact, screw these people. I want people to let Valor know 642 00:50:53.840 --> 00:50:59.119 that they suck. I just realized, what are you kidding me? What 643 00:50:59.119 --> 00:51:01.920 do they call Valor roofing, Valor roof and Solar here? People, I 644 00:51:01.960 --> 00:51:06.159 want you to call them and let just be kind. But here's what I 645 00:51:06.199 --> 00:51:09.000 want you to say. You know, we just found out from Tom Martine 646 00:51:09.599 --> 00:51:15.800 that just on his show alone, there are three complaints about inoperative solar systems 647 00:51:15.039 --> 00:51:20.960 because you suck. But say it in a nice way, Tom. I 648 00:51:21.039 --> 00:51:23.880 just got a message from Lloyd. They had the wrong number. They're going 649 00:51:23.960 --> 00:51:27.880 to try to get in as soon as they can. Here's the number for 650 00:51:28.039 --> 00:51:35.880 Valor remember Valor and one solar, Valor and one Solar they suck. Valor 651 00:51:36.599 --> 00:51:45.679 sucks three oh three seven seven zero seven six six three. Valor sucks three 652 00:51:45.719 --> 00:51:52.039 oh three seven seven zero seven six sixty three. Valor sucks, and Solar 653 00:51:52.119 --> 00:51:58.199 one or one solar. Here's the problem. They sell systems and they can't 654 00:51:58.360 --> 00:52:00.920 freaking get them to operate. I'm gonna go over these problems. Okay, 655 00:52:01.159 --> 00:52:06.320 I'm really pissed. Okay, I didn't realize this. So Beth and her 656 00:52:06.400 --> 00:52:09.920 husband listen to this one. This goes way back. Beth and her husband 657 00:52:10.199 --> 00:52:17.000 signed up for solar with Valor Roofing fifty four thousand dollars. Then they had 658 00:52:17.039 --> 00:52:22.360 a tax credit coming off of that. They don't have the inqueme to qualify 659 00:52:22.440 --> 00:52:29.079 for the credit. The system was installed by one Solar and it's being financed 660 00:52:29.079 --> 00:52:31.559 through good Leap. Is that the same one that financed this other one? 661 00:52:31.880 --> 00:52:37.400 Chopper? Yes, that's correct, but says they never signed the purchase financing 662 00:52:37.440 --> 00:52:43.039 your agreement. She has pissed at the entire process. Plus the system is 663 00:52:43.679 --> 00:52:50.280 inoperative. Think about that inoperative, Tom, the caller's coming in now, 664 00:52:50.599 --> 00:52:55.320 and the next one, Jack, Valor Roofing and Solar sold him a one 665 00:52:55.440 --> 00:53:04.199 solar system that sucks. That's another one. That's Jack he called in a 666 00:53:04.199 --> 00:53:08.760 while ago and that was given to Smarty Panch. That was a while ago. 667 00:53:09.719 --> 00:53:14.519 They suck. I'm getting them on the sleeves, brigade, man, 668 00:53:14.599 --> 00:53:17.280 this pisses me off. I just put this all together. And then the 669 00:53:17.320 --> 00:53:25.599 next one is Lly and alex Or. Alexis they contracted in October twenty twenty 670 00:53:25.679 --> 00:53:35.480 two. Their system is not working properly. Why because of Valor and one 671 00:53:35.719 --> 00:53:38.480 Solar. So I want you to let Valor know that we know about him. 672 00:53:38.519 --> 00:53:42.599 Listen when I tell you this, and I mean this sincerely. I 673 00:53:42.679 --> 00:53:45.840 really don't want you to be vulgar or vile. I don't mind even say 674 00:53:45.880 --> 00:53:47.719 they suck or we heard you suck, or we heard that you don't come 675 00:53:47.760 --> 00:53:52.920 through and you're a terrible company. And if you don't like it, Martino 676 00:53:52.000 --> 00:53:54.480 would love to have you on the air to give your side of the story, 677 00:53:54.519 --> 00:53:58.320 which you refuse to do. And you can call him at three zero 678 00:53:58.360 --> 00:54:01.719 three Martino, just telling that three oh three Martino, Okay, their number 679 00:54:01.719 --> 00:54:07.480 at Valor three O three seven seven zero seven sixty sixty three. Damn it. 680 00:54:07.639 --> 00:54:12.079 I hate this. I hate when people get ripped off, and they 681 00:54:12.119 --> 00:54:15.559 do get ripped off by these people, So stay tuned for this. I'm 682 00:54:15.559 --> 00:54:20.079 going to talk to these consumers who were ripped off. Dan McKenzie, by 683 00:54:20.079 --> 00:54:24.000 the way, an estate planning attorney. And everyone needs a will, You 684 00:54:24.079 --> 00:54:28.440 may need a trust if you want to pass on your business, you want 685 00:54:28.440 --> 00:54:30.480 to pass on your assets, even your fine arts, whatever you have. 686 00:54:31.280 --> 00:54:35.320 Dan McKenzie can come up with a way for you to do it in a 687 00:54:35.440 --> 00:54:40.719 very simple way. Dan McKenzie McKenzie Law, eight three three co Plans eight 688 00:54:40.760 --> 00:54:54.360 three three co Plans the website co plans dot co. Go with a sure 689 00:54:54.440 --> 00:54:59.920 thing Denver's Best roofer Excel Roofing dot com. You don't pay a cent until 690 00:55:00.039 --> 00:55:06.519 you're contenth wait time for an insurance check up free, no obligation. In 691 00:55:06.599 --> 00:55:10.920 comparison, call Compass Insurance paying too much your coverage at dozens of insurance companies 692 00:55:10.960 --> 00:55:15.440 find out now three all three seven seven to one help. You'll think you're 693 00:55:15.440 --> 00:55:19.360 his only customer when you choose Frank durand the real estate Man dot com to 694 00:55:19.440 --> 00:55:28.039 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 695 00:55:31.719 --> 00:55:35.960 Hi Tom Martino here three oh three seven one three talks seven one three 696 00:55:35.960 --> 00:55:39.840 eight two five five All right, So here we are helping you solve problems, 697 00:55:39.880 --> 00:55:43.320 answer questions, take complaints, make your life a little easier. And 698 00:55:43.360 --> 00:55:47.079 I want you to remember this. Valor roof and Solar sucks three all three 699 00:55:47.199 --> 00:55:52.800 seven seven zero seven sixty sixty three they suck. We have three complaints. 700 00:55:52.800 --> 00:55:54.880 Now you might think tom three complaints, Hell, three complaints aren't a lot 701 00:55:54.880 --> 00:56:00.159 of complaints. Now remember this, I use the old road kill Do you 702 00:56:00.199 --> 00:56:02.559 know what I mean by that? By the way, do you know what 703 00:56:02.639 --> 00:56:08.320 roadkill theory is? I don't. Road kill theory is this that if you 704 00:56:08.440 --> 00:56:16.159 see particular road kill of a species more than other species, what does it 705 00:56:16.199 --> 00:56:20.360 tell you? It tells you, Joel? What do you think it tells 706 00:56:20.400 --> 00:56:23.800 you, doctor, Joel? Come on, if you see more of skunk's 707 00:56:24.000 --> 00:56:29.079 killed than rabbits, or you see more rabbits killed than raccoons, or more 708 00:56:29.159 --> 00:56:34.559 raccoons a particular year, it's the road kill theory. I would say this 709 00:56:34.719 --> 00:56:39.400 because there's just more of those. That's exactly right that they actually came up 710 00:56:39.400 --> 00:56:45.559 with this years ago. Well, it's because not all species go on the 711 00:56:45.599 --> 00:56:49.000 roads. But if they go on the road, if there's enough of them 712 00:56:49.039 --> 00:56:52.920 to go on the roads and get killed. Well with solar the fact that 713 00:56:53.119 --> 00:56:55.960 my show, because I'm not going to brag and say, well, I've 714 00:56:57.000 --> 00:57:00.159 been here forty five years and everybody knows me, because they don't. And 715 00:57:00.239 --> 00:57:06.079 with all the outlets out there, if my little old show gets three complaints 716 00:57:06.119 --> 00:57:09.119 about this company, three, that's a lot, you know what I'm saying. 717 00:57:09.239 --> 00:57:14.480 And now, obviously people do think about complaining to me, so I'll 718 00:57:14.519 --> 00:57:17.119 tend to get maybe more than someone else, but still think about that. 719 00:57:19.760 --> 00:57:22.639 I'm getting three complaints about the same company. It's not that big of a 720 00:57:22.679 --> 00:57:27.760 company, so there's got to be a problem. The roadkill theory. Has 721 00:57:27.800 --> 00:57:30.320 anyone heard about, by the way, YouTube morals? Have you heard of 722 00:57:30.320 --> 00:57:34.280 the YouTube? Not the YouTube kill theory? Now, have you heard of 723 00:57:34.280 --> 00:57:40.559 the roadkill theory? Fines? Really have you ever heard that before? Now 724 00:57:42.800 --> 00:57:52.159 let's talk to Lloy who was a victim of Valor. They did such a 725 00:57:52.360 --> 00:57:58.880 stupid thing, Valor and one solar. Listen to this one. I find 726 00:57:58.920 --> 00:58:05.400 this fascinating. They put in a solar system. Now, the solar system 727 00:58:05.480 --> 00:58:13.480 itself isn't shoddy, but they did not do their due diligence. They actually 728 00:58:13.519 --> 00:58:23.159 put the solar system in an area of Excel territory that cannot accept solar and 729 00:58:23.280 --> 00:58:34.840 net metering and certain feeds because of old infrastructure. To make a long story 730 00:58:34.880 --> 00:58:40.039 short, for that solar system to work in that area, Excel would have 731 00:58:40.079 --> 00:58:45.239 to build a new substation, oh about twenty million dollars or so. Well, 732 00:58:45.280 --> 00:58:52.039 you see, they wouldn't do that. So you know, lloy and 733 00:58:52.159 --> 00:58:58.360 Alexis has this power the solar system that they can't hook up to the grid, 734 00:59:00.119 --> 00:59:05.000 and so Valor would have found that out, or one Solar would have 735 00:59:05.039 --> 00:59:09.440 found that out. Had they done it the right way, they would have 736 00:59:09.480 --> 00:59:15.280 found that out, and therefore they wouldn't have sold them the system. But 737 00:59:15.400 --> 00:59:21.960 now the only way they can use the system is if they're off grid with 738 00:59:22.079 --> 00:59:30.519 a battery backup off grid. They can go on grid during certain times, 739 00:59:30.880 --> 00:59:34.639 but they have to have their system, their solar system, disconnected, So 740 00:59:34.679 --> 00:59:38.960 they'd have to come up with some crazy hybrid system that is disconnected from the 741 00:59:39.000 --> 00:59:45.440 grid part of the time where they use batteries and then connected to the grid 742 00:59:45.519 --> 00:59:51.320 other times. It's just too crazy. So in order to make the system 743 00:59:51.360 --> 00:59:55.920 work, their only option would be completely off grid or this battery backup system 744 00:59:57.119 --> 01:00:05.360 or just get it removed. So, Lloyd, what happened? Did they 745 01:00:05.400 --> 01:00:10.639 finally after we talked to them, did anything change? No? Yet, 746 01:00:12.760 --> 01:00:17.880 we are waiting for an answer for a solution. So your solar system is 747 01:00:17.880 --> 01:00:28.239 not functioning right now? No, never they installed but never working? And 748 01:00:28.840 --> 01:00:32.079 did I explain it properly? How much? First of all, how much 749 01:00:32.079 --> 01:00:39.119 did this system cost you? Four thousand dollars? Yeah, we are paying 750 01:00:39.440 --> 01:00:45.320 through. We are way paying to the bank since last year for fifty four 751 01:00:45.519 --> 01:00:51.400 thousand dollars that they paid to battle. The bank paid to battle without even 752 01:00:51.880 --> 01:00:57.440 telling us anything. And who's the bank? Because because Mark was really adamant 753 01:00:57.480 --> 01:01:02.280 about this, this finance situation, Chopper, what did I might be able 754 01:01:02.280 --> 01:01:07.679 to get Mark on the line, but he was really adamant about them not 755 01:01:07.840 --> 01:01:13.519 being able to charge due to this. You remember that, Yes, I 756 01:01:13.639 --> 01:01:17.599 do. Tom. Let me just call Mark right now and see. Uh, 757 01:01:17.679 --> 01:01:20.960 I know he's here somewhere. Let me just call him and see. 758 01:01:21.280 --> 01:01:24.599 I'll get him on the line. What's that, Oh, he knows enough 759 01:01:24.679 --> 01:01:28.440 not to cuss. Hold on, let me just bring him up here. 760 01:01:30.079 --> 01:01:39.239 I'll get him on and he was he said, this is the option we 761 01:01:39.320 --> 01:01:45.360 should explore. Mark, Mark, you're on the air, by the way. 762 01:01:46.760 --> 01:01:51.559 You we got this solar guy on this the one the people that were 763 01:01:51.639 --> 01:01:55.000 ripped off by Valor and and he said, they've been paying on this loan 764 01:01:55.039 --> 01:02:00.719 for a year now. You were adamant about this, this option going after 765 01:02:00.800 --> 01:02:05.480 the lender. What did you have in mind? I know what you're talking 766 01:02:05.480 --> 01:02:07.920 about, so kind of follow me down the road. We had Brooke in 767 01:02:09.199 --> 01:02:13.280 Geez, I don't know about two or three months ago. You were out 768 01:02:13.639 --> 01:02:15.800 and I got to spend a lot of time with her and talking solar on 769 01:02:15.880 --> 01:02:19.320 the air, and one of the things she brought up, and I think 770 01:02:19.320 --> 01:02:23.440 we should get her back on is this those companies lend money out to solar 771 01:02:23.559 --> 01:02:28.639 have an agreement with the companies that are installing them or selling them. I'm 772 01:02:28.639 --> 01:02:32.440 not sure, but if it is not a working solar system, the agreement 773 01:02:32.599 --> 01:02:37.840 gets sent back. Funding then shifts to the company, not the consumer. 774 01:02:38.199 --> 01:02:44.159 And the company those people went through was one of the companies that Brooke said 775 01:02:44.199 --> 01:02:46.920 would definitely do that. So if you get her on, I think we're 776 01:02:46.960 --> 01:02:50.639 going to okay out all right, It's going to be the best option. 777 01:02:51.119 --> 01:02:58.480 Now, who financed you? Loyokie good leap, that's the one they always 778 01:02:58.599 --> 01:03:01.599 use. That's right, So you've been paying on it the whole time. 779 01:03:02.079 --> 01:03:06.920 Okay, we're going to contact them. Mark. Thanks and by the way, 780 01:03:07.440 --> 01:03:12.159 okay, appreciate it. So Mark is working on on our other businesses 781 01:03:12.239 --> 01:03:20.400 right now. So listen, let's do this. Let's let's talk to Red 782 01:03:20.559 --> 01:03:27.199 Rocks. Let's call up our friend Brooke Kachina and Looy hang on. I 783 01:03:27.239 --> 01:03:31.119 want to get I want to get them on to talk about how we approach 784 01:03:31.519 --> 01:03:37.199 the finance company to put pressure on this other company. They should not have 785 01:03:37.360 --> 01:03:42.039 done this and you should not be paying I don't know how much you're paying, 786 01:03:42.760 --> 01:03:45.559 but you shouldn't be paying for an in op system. And again, 787 01:03:45.920 --> 01:03:51.960 people, I can't say this enough. Valor roof and Solar sucks. Do 788 01:03:52.000 --> 01:03:55.679 you hear what these people are going through? Valor is at three oh three 789 01:03:55.880 --> 01:04:01.000 seven seven zerold seven six sixty three. It's a shame. These poor people 790 01:04:01.000 --> 01:04:06.519 have been paying for a year on something that doesn't work and they haven't come 791 01:04:06.599 --> 01:04:15.519 up with a freaking solution. Oh. I'm gonna be honest here. Sometimes 792 01:04:15.199 --> 01:04:19.559 I want to swear on this show and say, w TF you know, 793 01:04:21.679 --> 01:04:28.719 or, as they say on the on the Michael Brown Show, this is 794 01:04:30.199 --> 01:04:41.960 foxtrot uniform, Charlie Keilo uniform, Papa. All Right, I didn't put 795 01:04:41.960 --> 01:04:44.079 the D on the other one. Nevermind, I'll come up with it. 796 01:04:44.119 --> 01:04:46.280 I'm saying it out of my head here, okay. Three all three seven 797 01:04:46.320 --> 01:04:49.840 to one three talk so we have more coming up. Stay tuned. We're 798 01:04:49.880 --> 01:05:00.159 gonna get Red Rocks on Brooke to talk about this. I'm Tom Martine. 799 01:05:01.320 --> 01:05:05.599 Go with a sure thing Denver's best rufer Excel Roofing dot com. You don't 800 01:05:05.599 --> 01:05:13.440 pay a cent until you're content. Time for an insurance check up free, 801 01:05:13.519 --> 01:05:17.159 no obligation. In comparison, call Compass Insurance paying too much your coverage at 802 01:05:17.239 --> 01:05:21.320 dozens of insurance companies find out now three all three seven seven to one help. 803 01:05:21.440 --> 01:05:26.039 You'll think you're his only customer when you choose Frank durand the real estate 804 01:05:26.079 --> 01:05:30.480 Man dot com to list your home with Remax Alliance three all three nine two 805 01:05:30.599 --> 01:05:42.039 zero sixteen twenty two Know what does Hi? Tom Martino, You're a troubleshooter 806 01:05:42.119 --> 01:05:47.800 three all three seven one three talks seven one three eight two five five Brook 807 01:05:48.000 --> 01:05:55.480 is with Red Rocks Roof and Solar. They do a great job. Red 808 01:05:55.599 --> 01:06:01.360 Rocks rs dot com. Heybrook, So I looked into my records. I 809 01:06:01.400 --> 01:06:09.880 didn't realize I had three problems, all different ones, but basically incomplete systems 810 01:06:09.880 --> 01:06:15.159 from Valor Roof and Solar. Who works through one Solar And I'm saying this, 811 01:06:15.320 --> 01:06:20.039 not you, They suck And you know Mark was saying Tom, I 812 01:06:20.159 --> 01:06:26.440 talked to Brooke about this and there might be some hope for Loy. Loy 813 01:06:26.480 --> 01:06:30.679 and Alexis bought this system fifty four thousand. They've been making payments on it 814 01:06:30.719 --> 01:06:33.599 for a year and they don't have a system they can operate. I don't 815 01:06:33.599 --> 01:06:38.679 know if you're familiar with the system with the problem, but it was built 816 01:06:38.719 --> 01:06:42.760 in an area of Excel that can't accept solar. Now I've never heard that 817 01:06:42.840 --> 01:06:47.079 before, by the way, but apparently for them to take more solar, 818 01:06:47.159 --> 01:06:50.239 they would have to build a new substation. Have you ever heard of something 819 01:06:50.320 --> 01:06:56.239 like that, Brook, It's very rare. Usually it's just a transformer that 820 01:06:56.280 --> 01:07:00.559 needs to get upgraded in the neighborhood or wire from the transformer to the house. 821 01:07:00.639 --> 01:07:03.519 So the fact that a substation needs to be upgraded is I've never heard 822 01:07:03.519 --> 01:07:11.000 of it either. Anyway, what we're told is Valor or One Solar should 823 01:07:11.000 --> 01:07:14.719 have found this out when they did their due diligence. Is that something you 824 01:07:14.760 --> 01:07:20.400 would know about if they if they had an inadequate transformer or substation. Yeah, 825 01:07:20.800 --> 01:07:27.119 one Solar at the EPC, So it's their responsibility and throughout Excels permitting 826 01:07:27.199 --> 01:07:32.119 process. That's part two of that permitting process is whether or not the system 827 01:07:32.199 --> 01:07:36.159 is going to be accepted. So the only issue now is they need sixty 828 01:07:36.239 --> 01:07:40.679 thousand dollars worth of batteries and I don't know how that works, but somehow 829 01:07:40.679 --> 01:07:45.639 they'd have to have some switch on switch off of the solar because they can't 830 01:07:45.639 --> 01:07:47.280 take the net metering. So I don't know how that works, but they'd 831 01:07:47.280 --> 01:07:50.559 have to turn it off during certain parts of the day then turn it on. 832 01:07:51.159 --> 01:07:57.079 Does that make sense to you? So with the sixty thousand dollars worth 833 01:07:57.119 --> 01:08:00.559 of batteries, they'd essentially be off grid, so they would have a disconnect 834 01:08:00.679 --> 01:08:09.039 that would not allow their house to continue to push power out to Excel or 835 01:08:09.079 --> 01:08:12.440 to take power from Excel. There's a disconnect that would exist between the main 836 01:08:12.519 --> 01:08:17.520 channel and the meter. Would they ever be able to take excel. They 837 01:08:17.560 --> 01:08:19.920 can go back on the grid if they want to, but then they would 838 01:08:19.920 --> 01:08:23.760 have to shut off their solar system. Because that's what I met, that's 839 01:08:23.800 --> 01:08:28.319 what they had they were gonna they proposed some stupid system where they would turn 840 01:08:28.359 --> 01:08:31.800 off and turn on and turn off and turn It's ridiculous. The bottom line 841 01:08:31.880 --> 01:08:39.159 is this. They are financed through good Leap and they've been paying on it 842 01:08:39.199 --> 01:08:45.880 for a year. So is their recourse going through good Leap? I am 843 01:08:45.000 --> 01:08:49.920 unsure they can file a customer complaint with them, but from what I understand, 844 01:08:50.039 --> 01:08:56.479 loy and Alexis have called Good Leap and file complaints with them for the 845 01:08:56.560 --> 01:09:00.760 last year and there's been no avail for them either. Because Mark said that 846 01:09:01.159 --> 01:09:10.199 you were mentioning that some finance companies will take recourse. Yeah, So for 847 01:09:10.239 --> 01:09:15.520 instance, if the system isn't turned on within a certain timeframe, then that 848 01:09:15.880 --> 01:09:19.479 company can get in trouble by the finance company and then that can do what 849 01:09:19.600 --> 01:09:26.079 called a clawback. So if it's been over six months since the if you 850 01:09:26.119 --> 01:09:28.479 can hold on, Brook, I'm running out of time. Hold on, 851 01:09:28.479 --> 01:09:33.119 I want to bring you back to just recap this to make sure go with 852 01:09:33.199 --> 01:09:38.399 a sure thing Denver's best roofer Excel Roofing dot com. You don't pay a 853 01:09:38.479 --> 01:09:45.680 cent until you're content. Time for an insurance check up free, no obligation 854 01:09:45.800 --> 01:09:50.439 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 855 01:09:50.439 --> 01:09:54.760 out now three O three seven seven to one help. You'll think you're his 856 01:09:54.920 --> 01:09:58.880 only customer when you choose Frank durand the Real estate Man dot com to list 857 01:09:58.920 --> 01:10:05.920 your home with re Max Alliance three all three nine two zero sixteen twenty two 858 01:10:09.199 --> 01:10:17.640 Ripped news need advice so you don't have come run in just as fast as 859 01:10:17.680 --> 01:10:26.079 we can. Shooter's gonna help. Come man, This is the Troubleshooter Show. 860 01:10:26.720 --> 01:10:31.119 No Tom Martino, Hello Tom Martino here three all three seven one three 861 01:10:31.159 --> 01:10:34.760 talks here Old three seven one three eight two five five. Welcome to the 862 01:10:34.800 --> 01:10:40.920 show. This hour brought to you by renew home Innovations dot com for beautiful 863 01:10:40.960 --> 01:10:44.600 bathrooms. If you want to do a shower, don't even think about it 864 01:10:44.600 --> 01:10:46.960 renew home Innovations dot com. They take out that old shove. Do you 865 01:10:46.960 --> 01:10:49.760 know what a shove is? A shower tubcombo that you step over. The 866 01:10:49.800 --> 01:10:54.840 old curtains are diffuse doors. These new ones have no doors. That's to 867 01:10:54.960 --> 01:10:59.279 walk around. You don't have to go over any thresholds. Beautiful glass panels 868 01:10:59.279 --> 01:11:02.199 and own like walls with stone resin, with no maintenance. They do it 869 01:11:02.199 --> 01:11:05.520 in two or three days. Here's the best part, seventy two months, 870 01:11:05.640 --> 01:11:09.960 pay no interest renew home Innovations dot com three h three nine er A four 871 01:11:10.039 --> 01:11:15.159 two thousand. That's nine zero four two thousand. So I want to follow 872 01:11:15.239 --> 01:11:16.399 up with Loy in the solar system. Then I want to follow up with 873 01:11:16.439 --> 01:11:20.760 Brook our experts. So bottom line, Loy can't use their solar he can't 874 01:11:20.840 --> 01:11:27.239 use the solar system. Loy and Alexis and Brooke said there there there could 875 01:11:27.319 --> 01:11:31.359 be a recourse with Leap. But Loyd, did you already call good Leap 876 01:11:32.239 --> 01:11:36.680 where it was financed and told did you tell them the system is in operational? 877 01:11:39.279 --> 01:11:45.439 Yes? I did. I received a call in April last year telling 878 01:11:45.520 --> 01:11:55.600 me that my law on start in mainspire. I told them that the system 879 01:11:55.760 --> 01:12:02.760 is not working and the answer was they know their business, none of their 880 01:12:02.800 --> 01:12:06.640 business. So they've just been saying they've been accepting money from you knowing the 881 01:12:06.680 --> 01:12:13.359 system isn't working. Yeah, yeah, easy. So yeah, but he's 882 01:12:13.399 --> 01:12:18.880 not working and how much how much have you been paying a month? One 883 01:12:19.039 --> 01:12:26.319 sixty three? So Brooke, Brooke, So really there is no protection as 884 01:12:26.359 --> 01:12:30.880 we thought then through financing. Yeah, so they can call. By the 885 01:12:30.880 --> 01:12:34.039 way, brook is our expert, I should mention with red Rocks, roof 886 01:12:34.079 --> 01:12:39.680 and Soler go ahead. Yeah. So this is a unique case in that 887 01:12:39.720 --> 01:12:45.199 the utility company stated that PTO will never be allowed or permitted. So if 888 01:12:45.359 --> 01:12:50.199 lay and Alexis called them back again with myself or somebody that could explain the 889 01:12:50.239 --> 01:12:55.880 situation, then there would be greater recourse. But as of right now, 890 01:12:55.920 --> 01:12:59.960 it's very common for systems to get installed in it to take longer than six 891 01:13:00.079 --> 01:13:02.960 months to get activated. Even though the system can be activated, in this 892 01:13:03.039 --> 01:13:08.840 case, the system cannot ever be activated unless the substation is upgraded, which 893 01:13:08.880 --> 01:13:15.600 will take years to do. So okay, so I would like to I 894 01:13:15.640 --> 01:13:19.840 would like to have you help them out. We can have Kachina off the 895 01:13:19.920 --> 01:13:26.760 air kind of make that connection and basically see what we can do for them. 896 01:13:27.319 --> 01:13:32.239 This is a terrible situation. Have you heard of complaints about this about 897 01:13:32.239 --> 01:13:38.960 this company before? By the way, yes, So both one Solar and 898 01:13:39.039 --> 01:13:42.560 Valor are the reasons why I open up my own company based on how they 899 01:13:42.600 --> 01:13:46.680 treated customers and their lack of integrity and ability to install appropriately according to code. 900 01:13:48.479 --> 01:13:53.680 That's well said. Thank you. That's Brooke, red Rocks roof Andsolar, 901 01:13:53.760 --> 01:13:59.239 Redrocksars dot com three O three seven zero four two four four nine. 902 01:14:00.000 --> 01:14:01.640 Thank you Brook for being here. Lloyd. We're gonna follow this up. 903 01:14:01.760 --> 01:14:06.880 Lloyd. We're gonna follow this up at another time, and we're going to 904 01:14:06.960 --> 01:14:13.520 get you Kachina. Let's get Lloy and alexis in touch with Brooke off the 905 01:14:13.560 --> 01:14:17.520 air, and then they call good Leap and then I believe good Leap. 906 01:14:17.960 --> 01:14:20.760 She can talk to good Leap and explain what's going on, and maybe if 907 01:14:20.760 --> 01:14:25.439 they claw back the money, Valor might have something to say about it. 908 01:14:26.359 --> 01:14:30.319 But man, this cannot be good. And this is going on the Sleeves 909 01:14:30.359 --> 01:14:40.239 Brigade as Sleeesbrigade dot com because it sucks. Now in other consumer news, 910 01:14:40.960 --> 01:14:49.000 this is really pretty telling. Tesla is laying off ten percent of the entire 911 01:14:49.199 --> 01:14:59.279 global workforce. And here's what they say, basically that there's competition finally, 912 01:15:00.399 --> 01:15:06.399 and the allure and the shininess of Tesla is kind of wearing off and a 913 01:15:06.439 --> 01:15:13.000 lot of the production has been slowed down, so really they're having a setback. 914 01:15:13.079 --> 01:15:17.239 Now. Elon must says it's the calm before the storm, and that 915 01:15:17.600 --> 01:15:25.520 it's a lull, a planned lull before their growth. But I think he's 916 01:15:25.520 --> 01:15:30.720 doing that to try to keep his stock from tanking. But they could be 917 01:15:30.960 --> 01:15:40.840 laying off another ten percent according to some insiders. And I don't mean like 918 01:15:40.880 --> 01:15:46.199 inside stock rumors, I just mean of the industry, of the ev industry. 919 01:15:47.000 --> 01:15:51.239 So if that happens, that's going to be a ton of people, 920 01:15:54.119 --> 01:15:57.880 because you know, right now thousands I had the exact number. I don't 921 01:15:57.880 --> 01:16:01.079 have it right now, but thousands of people were laid off. Oh yeah, 922 01:16:01.520 --> 01:16:10.319 ten percent, Okay, more than fourteen thousand people. But so they 923 01:16:10.399 --> 01:16:16.800 say there could be another fourteen or twenty thousand in the near future. Now, 924 01:16:17.239 --> 01:16:23.760 what's interesting is they are kind of penalized by their own success because what 925 01:16:23.920 --> 01:16:29.640 happens is tax credits are dolled out based on the first so many millions of 926 01:16:29.760 --> 01:16:34.479 cars produced, not millions of cars produced in the country, but per company, 927 01:16:35.479 --> 01:16:40.800 So they were they're going to run out of tax credits before other companies 928 01:16:40.880 --> 01:16:44.840 run out of tax credits. It's really sad the way that's happening. You're 929 01:16:44.840 --> 01:16:51.960 a victim of success. But they say that the EV industry in general is 930 01:16:53.039 --> 01:16:57.640 growing, which is good news if you like electric cars. There are some 931 01:16:57.720 --> 01:17:03.520 that believe it's never ever going to take a never take a hold completely because 932 01:17:03.720 --> 01:17:08.640 of the grid, and that the grid won't be able to take it. 933 01:17:09.720 --> 01:17:13.840 I'd like to know what you think about that. I was thinking my next 934 01:17:13.840 --> 01:17:17.560 car might be electric, but I'm not sure right now. I'm really not 935 01:17:17.680 --> 01:17:24.319 sure. There's, first of all, shortage of battery materials to make batteries, 936 01:17:25.840 --> 01:17:31.960 and there's a problem with grids in some states like California are saying they're 937 01:17:31.960 --> 01:17:36.279 gonna make it so unless you have an EV you can't even get into the 938 01:17:36.319 --> 01:17:41.880 state that's gonna be Well, that's not surprising for California. I mean, 939 01:17:42.119 --> 01:17:47.560 those people are crazy. But it's amazing to me that we're moving headlong into 940 01:17:47.600 --> 01:17:54.840 the EV industry when we haven't figured out the infrastructure for charging and keeping them 941 01:17:54.920 --> 01:17:59.520 charged, and we haven't figured out what we're going to do about making batteries 942 01:18:00.199 --> 01:18:05.399 or better batteries. And this is all happening because of, of course, 943 01:18:05.479 --> 01:18:13.119 our move toward more green, sustainable energy. Three oh three seven one three 944 01:18:13.199 --> 01:18:17.479 talk three oh three seven one three eight two five five. Now we're going 945 01:18:17.560 --> 01:18:25.359 to talk about other stuff like Denver Region, Denver Regenerative Medicine, Denver regen 946 01:18:25.439 --> 01:18:32.960 dot com. A lot of people are going on compounded semiglutide or churzepetide in 947 01:18:33.079 --> 01:18:42.319 order to lose weight. It was originally introduced as a diabetes drug. Now 948 01:18:42.560 --> 01:18:45.640 what does it do? Somebody asks by text and you can text me at 949 01:18:45.640 --> 01:18:49.800 five seven seven three nine. Somebody asked, what the heck does it do 950 01:18:49.920 --> 01:18:53.279 to your blood sugar? They said, tom, if if we're going on 951 01:18:53.319 --> 01:18:57.000 a diet and we didn't have a problem with blood sugar, can we get 952 01:18:57.159 --> 01:19:00.279 low blood sugar from this? And that's that's really a good question. That's 953 01:19:00.319 --> 01:19:02.960 really a good question. So what does it do to their blood sugar? 954 01:19:03.640 --> 01:19:09.720 So by by decreasing your appetite, what it does for diabetics is it decreases 955 01:19:09.760 --> 01:19:12.960 their consumption and food in general, which des well. Also, it decreases 956 01:19:13.159 --> 01:19:17.680 its move of food through the digestive system, which slows the absorption of glucose 957 01:19:17.920 --> 01:19:24.319 right, so evens out glucose, right. But it doesn't actually lower blood 958 01:19:24.359 --> 01:19:28.760 sugar. It it does lower blood sugar in the fact that people are consuming 959 01:19:28.840 --> 01:19:32.600 less all of sugar altogether. Okay, that's true, and it also evens 960 01:19:32.600 --> 01:19:36.119 it out. So is there I guess what we're asking, is there a 961 01:19:36.279 --> 01:19:41.039 danger of going low sugar. No, all that's happening is you're just eat 962 01:19:41.119 --> 01:19:45.159 You're just consuming less calories. But they say, now, and I want 963 01:19:45.159 --> 01:19:49.600 to talk about this in a little while, that it's having other plus benefits. 964 01:19:49.720 --> 01:19:54.199 Do you know that some people claim it's helping them to stop smoking. 965 01:19:54.600 --> 01:19:59.319 Well, it does affect something with the brain. It affects the satiation centers 966 01:19:59.439 --> 01:20:02.000 and the addiction center. If there is such a thing as something so compulsive 967 01:20:02.199 --> 01:20:05.680 compulsive behavior can also be effect Now we'll talk about that. I don't I 968 01:20:05.720 --> 01:20:08.880 don't want to give away too much of that. But Bill, you you 969 01:20:08.920 --> 01:20:11.680 want you have a question about fluorescent light bulbs, Go ahead. I don't 970 01:20:11.720 --> 01:20:16.039 even know if they make fluorescent. I meant the compact fluorescent. They don't 971 01:20:16.039 --> 01:20:19.600 make anymore. If you're talking about fluorescent tubes, they still make those, 972 01:20:19.680 --> 01:20:21.840 but they're on the way out. Go ahead, Bill, what's your question? 973 01:20:23.159 --> 01:20:26.079 Well, that's the question I have, is what's going to happen with 974 01:20:26.319 --> 01:20:29.399 the whole walls are going to have to do a change over. Well yeah, 975 01:20:29.399 --> 01:20:31.319 but that's not a big deal because they're making two kinds of bulbs now, 976 01:20:31.640 --> 01:20:36.560 they're making an addition to fluorescent, two replacements. I've seen that they 977 01:20:36.600 --> 01:20:42.159 have the LEDs that can go in just the way it is, and the 978 01:20:42.199 --> 01:20:45.920 starters, those little transformers are starters, won't won't hurt them. Then they 979 01:20:45.920 --> 01:20:49.359 had the other kind and the truly the best kind, or the kind where 980 01:20:49.399 --> 01:20:54.000 you take the transformer out and the starters you don't need them at all. 981 01:20:54.439 --> 01:20:58.680 And what you do is you wire past them and put the new tubes in, 982 01:20:59.199 --> 01:21:01.319 or if you're not, if you don't want to mess with rewiring, 983 01:21:01.680 --> 01:21:08.319 you simply put up a new fixture. Yeah okay, Well my problem is 984 01:21:08.319 --> 01:21:12.640 with fifteen foot up in the air with it. Stuff is fifteen foot for 985 01:21:12.800 --> 01:21:16.840 fluorescence? Well, no, from the floor to the ceiling for fluorescence or 986 01:21:16.880 --> 01:21:23.960 for regular My lights are in the ceiling. But I got what kind of 987 01:21:24.119 --> 01:21:29.119 lights? Bill? A fluorescent? Regular? Fluorescent? What in your kitchen 988 01:21:29.279 --> 01:21:32.680 or where in your regular house? It's a family room, Okay, you 989 01:21:32.720 --> 01:21:38.359 have fluorescent lights in your family room? Yeah? Yeah, yeah, I 990 01:21:38.479 --> 01:21:41.359 just had them put in when we built it. So that's kind of weird. 991 01:21:41.840 --> 01:21:45.920 I mean, I've never seen fluorescent lights in a house except maybe in 992 01:21:45.960 --> 01:21:49.840 a kitchen or something. Well, I got fluorescent in the in the family 993 01:21:49.960 --> 01:21:54.000 room, Like, do you have a lot of them? Is it really 994 01:21:54.000 --> 01:21:58.520 bright? Yeah, it is really bright. And but you know I got 995 01:21:58.600 --> 01:22:02.800 fluorescinal I got them down stairs, I got I probably got fifteen lights. 996 01:22:02.880 --> 01:22:08.520 Fish, Why did you do that? What's that? Why did you do 997 01:22:08.600 --> 01:22:11.640 that? I don't know. What was easy to do? I guess at 998 01:22:11.640 --> 01:22:15.119 the time. Well, because this is the I did this in ninety six. 999 01:22:15.359 --> 01:22:18.039 Oh my god, never mind, Now I understand. Okay, that 1000 01:22:18.119 --> 01:22:23.159 was the rage fluorescent lights. No one puts fluorescent lights in houses anymore. 1001 01:22:23.199 --> 01:22:26.920 But Bill, listen, here's the bottom line. They can all be converted. 1002 01:22:27.000 --> 01:22:30.319 It's not going to be that much. In fact, you'll you'll make 1003 01:22:30.399 --> 01:22:32.880 up for it in energy and in lifespan where you never have to go up 1004 01:22:32.920 --> 01:22:35.920 and change them anymore. Well, you will, but they last for so 1005 01:22:36.319 --> 01:22:40.359 damn long. We have more coming up. Three oh three seven one three 1006 01:22:40.399 --> 01:22:49.119 talk seven one three eight two five five Go with a sure thing Denver's Best 1007 01:22:49.199 --> 01:22:54.239 roofer Excel roofing dot com. You don't pay a cent until you're content. 1008 01:22:57.600 --> 01:23:00.159 Time for an insurance check up free, no obligation. In comparison, call 1009 01:23:00.279 --> 01:23:05.239 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1010 01:23:05.319 --> 01:23:09.600 three all three seven seven to one. Help. You'll think you're his only 1011 01:23:09.680 --> 01:23:13.520 customer when you choose Frank durand the real estate Man dot com to list your 1012 01:23:13.560 --> 01:23:20.119 home with Remax Alliance three all three nine two zero sixteen twenty two. Hi 1013 01:23:20.239 --> 01:23:28.960 Tom Martino, you're troubleshooter three oh three seven one three talks seven one three 1014 01:23:29.079 --> 01:23:31.960 eight two five five. I want to go to Barry Miller. Now you 1015 01:23:32.039 --> 01:23:35.840 may have heard that name before. Barry Miller. I've known him for many, 1016 01:23:35.840 --> 01:23:41.000 many years. In fact, years ago, I remember interviewing for Channel 1017 01:23:41.000 --> 01:23:45.239 four on buying broker. It was the one of the It was a brand 1018 01:23:45.279 --> 01:23:47.359 new concept. No one ever even heard of a buyer broker. I think 1019 01:23:47.399 --> 01:23:50.640 Barry, you were probably one of the first I've ever interviewed or was around. 1020 01:23:51.399 --> 01:23:57.039 We didn't you pioneer that area of real estate? We did it? 1021 01:23:57.439 --> 01:24:00.640 Happy that it all started right here in Denver, Metro Colorado. Did you 1022 01:24:00.720 --> 01:24:06.960 actually start it? Well, there are two guys before me, one in 1023 01:24:08.000 --> 01:24:12.239 California one in Virginia. They did it locally. I went and met both 1024 01:24:12.279 --> 01:24:14.920 of them and they said, oh no, no, it's too good, 1025 01:24:14.920 --> 01:24:19.279 we're not spreading the words. So yeah, I came back to Denver both 1026 01:24:19.359 --> 01:24:23.079 those trips and said, you know what, we're going to start it and 1027 01:24:23.119 --> 01:24:26.319 go nationwide. So yeah, I did start right here, and I was 1028 01:24:26.840 --> 01:24:29.640 so I was one of the first journalists ever to talk about it. I've 1029 01:24:29.680 --> 01:24:33.640 loved totally. Yeah, totally the first Wow, I remember do you remember 1030 01:24:33.720 --> 01:24:40.560 the interview way back? Oh? I remember on East on the oh, 1031 01:24:40.800 --> 01:24:44.760 just off of Hampton and Yamy way back. Oh, okay, that was 1032 01:24:44.760 --> 01:24:47.680 my radio show there too, that's right, and then there too. Yeah. 1033 01:24:47.800 --> 01:24:51.640 So now listen, I want to talk about what you're doing now as 1034 01:24:51.680 --> 01:24:57.840 well, because I heard Michael Brown doing one of your commercials about vest Era 1035 01:24:59.239 --> 01:25:02.159 Investments, and I'm going to tell you my first impression. I said, 1036 01:25:02.600 --> 01:25:05.199 well, this is a bunch of bees. What are you talking about doubling 1037 01:25:05.199 --> 01:25:09.840 my money? Bet? Okay, come on, man. So I figured 1038 01:25:09.880 --> 01:25:13.680 I want to delve more into it than just okay, double your money, 1039 01:25:13.840 --> 01:25:15.199 because look at Barry, you know as well as I do. You've been 1040 01:25:15.239 --> 01:25:17.199 around a long time. And I do respect you. By the way, 1041 01:25:17.199 --> 01:25:23.800 this is not an ambush. But you know people, when people promise like 1042 01:25:23.840 --> 01:25:26.479 this, you think, what the hell's going on? So just tell me 1043 01:25:26.520 --> 01:25:31.119 what tell me what the hell's going on? Total total, right now, 1044 01:25:31.239 --> 01:25:34.039 right now. And I want to make something clear, by the way. 1045 01:25:34.079 --> 01:25:36.720 I want to make something clear, seriously, this is not a commercial. 1046 01:25:36.720 --> 01:25:42.079 By the way, this is not a commercial. I called him just out 1047 01:25:42.079 --> 01:25:44.800 of the blue and said, Barry, I need to talk to you about 1048 01:25:44.840 --> 01:25:48.039 this because I always talk about investments and stuff. Okay, I just wanted 1049 01:25:48.039 --> 01:25:51.680 to make that disclaimer. Go ahead. Yeah, no, that's the folly. 1050 01:25:51.760 --> 01:25:56.159 I mean, yeah, two hours ago, I did not know we 1051 01:25:56.199 --> 01:26:00.800 would be talking. Yeah, you know, that's that's it. But it 1052 01:26:01.079 --> 01:26:09.920 is based heavily on heavy duty, thorough I mean bigger than Moody's does research 1053 01:26:10.239 --> 01:26:15.399 out of over two hundred and twenty metro areas in the country, heavy research, 1054 01:26:15.479 --> 01:26:18.399 and it takes us two and a half months of research every October through 1055 01:26:18.439 --> 01:26:24.119 December. Long story, made sure we come up with five or six of 1056 01:26:24.199 --> 01:26:30.520 the absolute best real estate cities. We call them cities. Okay they're metro 1057 01:26:30.600 --> 01:26:36.600 areas, yeah, but metro areas, but cities where the return of appreciation 1058 01:26:36.960 --> 01:26:42.800 is the highest anywhere. But then we go and we call them. They're 1059 01:26:42.880 --> 01:26:47.199 people, but I find the best fire agent microscopes. We call them and 1060 01:26:47.239 --> 01:26:50.479 I said, look, you have one hundred neighborhoods in your city. Find 1061 01:26:50.520 --> 01:26:57.199 me the best five or ten highest return, most popular, best rental areas. 1062 01:26:57.359 --> 01:27:00.439 And we have a couple secrets. You know, I can't reveal at 1063 01:27:00.439 --> 01:27:08.000 all, but we keep it in the price range under the national median price, 1064 01:27:08.079 --> 01:27:12.279 which is four hundred thousand. Okay, so we are in cities where 1065 01:27:12.319 --> 01:27:17.359 the median price is under four hundred thousand. The return every single one of 1066 01:27:17.399 --> 01:27:21.800 our customers this year, the return all our new customers. The returns that 1067 01:27:21.880 --> 01:27:28.279 are projected conservatively are fifty two percent or more for the first time. So 1068 01:27:28.479 --> 01:27:31.119 well, that's doubling your money in two years, Barry. I want to 1069 01:27:31.119 --> 01:27:34.399 ask this though. I want to ask this when you say the returns, 1070 01:27:34.479 --> 01:27:40.920 so these are not reachs. These are individual purchases or they pulled money for 1071 01:27:41.000 --> 01:27:44.159 example, Yeah, thank you dude. Do five people buy a house, 1072 01:27:44.199 --> 01:27:47.119 do twenty people? Do you all buy the same houses or do you buy 1073 01:27:47.159 --> 01:27:51.279 different ones for different people? And I don't buy any of them. The 1074 01:27:51.760 --> 01:27:57.840 consumers. As you said, they themselves become the owners of the property. 1075 01:27:57.920 --> 01:28:02.920 But we're fully turnkey oversee the management. We pick the managers, we find 1076 01:28:02.920 --> 01:28:09.399 the buyer agents, we find the neighborhoods the property managers find out, but 1077 01:28:09.560 --> 01:28:15.159 we find insurance brokers in that local area. All all of our hotspots in 1078 01:28:15.199 --> 01:28:17.560 this year happened to be all right to the Mississippi. Now, I have 1079 01:28:17.640 --> 01:28:20.720 a ton of questions, so I want to put you back on If you 1080 01:28:20.760 --> 01:28:23.600 have some time, I'm going to put you back on hold so I can 1081 01:28:23.640 --> 01:28:27.920 take a break and some calls in between. But seriously, like all kinds 1082 01:28:27.960 --> 01:28:30.359 of questions, like how it works and if if it's always one to one, 1083 01:28:30.600 --> 01:28:35.039 or are people pulled or a risk or anything like that. So hang 1084 01:28:35.119 --> 01:28:40.319 on. And I'm talking to Barry Miller, who is a real estate broker 1085 01:28:40.359 --> 01:28:45.039 and he pioneered the buyer broker in the entire country. He also is doing 1086 01:28:45.039 --> 01:28:47.359 this thing called Vista Investments, and that's what I want to know about. 1087 01:28:47.560 --> 01:28:51.720 It's, by the way, it's not a security so he's he's allowed to 1088 01:28:51.760 --> 01:28:56.640 sell it. It's an exempt or not even exempt. It's excluded from any 1089 01:28:56.640 --> 01:29:00.640 securities laws. The way he's doing it, So it's very very interesting. 1090 01:29:00.000 --> 01:29:03.079 So hang on. And although I don't know, I might. You know, 1091 01:29:04.119 --> 01:29:08.600 that's one thing I want to talk about because sometimes when you buy something 1092 01:29:08.600 --> 01:29:12.319 and depends on the efforts of others, some people could call out securities, 1093 01:29:12.319 --> 01:29:15.560 but I doubt it. I doubt it. So I want to talk to 1094 01:29:15.600 --> 01:29:18.680 Bill. Excuse me, Jack, Jackie or Jacqueline. Did you say you 1095 01:29:18.760 --> 01:29:23.479 just had a scam call? I wanted to make sure we alert people what's 1096 01:29:23.479 --> 01:29:28.199 going on with that, Jacqueline. Yes, Kathleen, it was somebody calling 1097 01:29:28.239 --> 01:29:33.119 me saying I know you you check account is that Wells Fargo, and we 1098 01:29:33.399 --> 01:29:39.920 want to refund you a bunch of with public service, refund you some money 1099 01:29:40.319 --> 01:29:44.880 and we need your checking. We need your account information, the routing and 1100 01:29:44.920 --> 01:29:48.600 the account number right correct, he said. And the agent down at the 1101 01:29:48.640 --> 01:29:54.239 bank is James Adams at twelve forty two par Street, et cetera, et 1102 01:29:54.239 --> 01:29:58.359 cetera, and gave me the phone number. So I said, you know, 1103 01:29:58.439 --> 01:30:01.359 call me back in two hours. And I went down there and talked 1104 01:30:01.359 --> 01:30:06.359 to will Spargo employee and he said, hey, they don't have James Adams 1105 01:30:06.479 --> 01:30:12.920 be the prefix of the phone number was wrong, and he said it's a 1106 01:30:13.000 --> 01:30:15.880 scam. Don't give after checking account. Do you have that phone number, 1107 01:30:15.880 --> 01:30:19.279 by the way, sure his phone number. I don't want to. I 1108 01:30:19.279 --> 01:30:21.720 don't want it right now. I want you to give it to Kachina off 1109 01:30:21.720 --> 01:30:26.479 the air. Okay, okay, I just want to. I want to 1110 01:30:26.479 --> 01:30:29.840 research this, So hold on, Jack Jacqueline, thank you very much. 1111 01:30:29.840 --> 01:30:32.199 Three oh three seven one three tong seven one three eight two five five. 1112 01:30:32.199 --> 01:30:38.920 People listen, don't ever, ever, ever, ever ever buy into the 1113 01:30:38.960 --> 01:30:42.760 refund to your account, the credit to your account. We made a bad 1114 01:30:42.880 --> 01:30:45.680 charge to your account, a fraud we found on your account, and now 1115 01:30:45.720 --> 01:30:50.960 they want to. The whole idea is get access to your account never ever, 1116 01:30:51.159 --> 01:30:55.840 ever. A bank will never call you to get access to your account 1117 01:30:55.880 --> 01:31:01.319 ever. I'm telling you they don't do it. Three O three seven one 1118 01:31:01.399 --> 01:31:05.439 three talks seven one three eight two five five. Kachina, could you just 1119 01:31:05.520 --> 01:31:09.239 read that note for Lyne one and let me know what's going on with that 1120 01:31:09.279 --> 01:31:15.359 one? And then I got more coming up on the Troubleshooter Show. Go 1121 01:31:15.479 --> 01:31:19.680 with a sure thing Denver's Best roofer Excel roofing dot com. You don't pay 1122 01:31:19.720 --> 01:31:28.119 a cent until you're content. Time for an insurance checkup free, no obligation 1123 01:31:28.239 --> 01:31:32.880 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 1124 01:31:32.880 --> 01:31:36.159 out now three oh three seven seven to one help. You'll think you're his 1125 01:31:36.319 --> 01:31:41.319 only customer when you choose Frank durand the real estate Man dot com to list 1126 01:31:41.359 --> 01:31:45.800 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1127 01:31:47.880 --> 01:31:51.000 Hi Tom Archino here. Okay, so let's go to Villus. Question about 1128 01:31:51.039 --> 01:31:56.119 Sema glue tide. Go ahead, Bill, what's happening? Oh? Yes, 1129 01:31:57.079 --> 01:32:01.319 I'm on Samaglue tide. Uh. I'm I just took my fourth injection, 1130 01:32:02.000 --> 01:32:08.239 and I'm I'm on a small dose because I just started on a point 1131 01:32:08.239 --> 01:32:15.479 five US or whatever it is. I don't or five, but right now 1132 01:32:15.560 --> 01:32:19.720 I don't feel anything. I'm still always hungry. Hey, Bill, let 1133 01:32:19.720 --> 01:32:25.439 me ask you something. You you It usually takes They usually build you up 1134 01:32:25.520 --> 01:32:29.199 over four injections. Do you know how many units you have? Do you 1135 01:32:29.239 --> 01:32:32.880 know how many units you're on? Yes? Uh, it's point I think 1136 01:32:32.880 --> 01:32:38.159 it's point five. Very small. No, I mean, okay, how 1137 01:32:38.239 --> 01:32:43.359 to convert that to US anyway? Bill? Bill? It does take a 1138 01:32:43.359 --> 01:32:45.359 little while doctor, Joel, what what do you have to say about that? 1139 01:32:45.399 --> 01:32:49.560 It does take he has to get up to that full dosage. Yeah, 1140 01:32:49.600 --> 01:32:53.560 and that usually takes four weeks to get people up to that full dosage. 1141 01:32:53.600 --> 01:32:56.840 I would say give it another thirty days. But now once you're up 1142 01:32:56.920 --> 01:32:59.479 to the when are you going to be up to the full dosage? Bill? 1143 01:33:00.640 --> 01:33:05.439 Well, next week I start on ten ten milligrams or point ten? 1144 01:33:06.920 --> 01:33:12.159 I don't okay any First of all, I'm not talking. I'm not sure 1145 01:33:12.199 --> 01:33:14.920 what you're talking about when it comes dosage, but I can tell you this, 1146 01:33:15.439 --> 01:33:20.760 twenty units is a full dose, twenty units, and I won't be 1147 01:33:20.800 --> 01:33:26.039 on that for another month. Okay, they're kind of taking you extra slow. 1148 01:33:26.159 --> 01:33:29.039 If you've already been on it for four weeks, you should be up 1149 01:33:29.079 --> 01:33:31.800 to a full Listen, I'm not going to second guess your doctor, but 1150 01:33:31.800 --> 01:33:38.840 but normally they take you up to a full dose within a month. Yeah. 1151 01:33:38.880 --> 01:33:42.359 Well, they must be starting me out slow, because let me ask 1152 01:33:42.399 --> 01:33:45.279 you something. Are you on the brand name or are you on the compound? 1153 01:33:45.880 --> 01:33:53.479 The compound and and okay, okay, well we get from Denver region. 1154 01:33:54.239 --> 01:33:58.680 Okay, well hold on you guys. You guys don't take two months 1155 01:33:58.720 --> 01:34:00.960 to get them. He's says, you've been on a month already, Bill, 1156 01:34:01.279 --> 01:34:08.560 how long you've been on at total of four weeks and you're only at 1157 01:34:08.560 --> 01:34:15.359 a half okay, and you still haven'te And and then this week I started 1158 01:34:16.000 --> 01:34:21.199 ten in this thyringe. Okay, So they must have we must have started 1159 01:34:21.199 --> 01:34:25.560 you off a little bit slower than most people for some reason. Uh. 1160 01:34:25.600 --> 01:34:28.640 But I would say give it a few weeks once you're on the full dose 1161 01:34:29.399 --> 01:34:32.760 before you decide whether or not it's it's working for you. Uh. And 1162 01:34:32.800 --> 01:34:35.800 if you still aren't feeling any effects, get back in touch with Tye, 1163 01:34:35.960 --> 01:34:40.000 our patient coordinator, and he'll go through everything with you. In fact, 1164 01:34:40.039 --> 01:34:42.960 I would recommend that you reach out to Tie now. Why don't you call 1165 01:34:43.039 --> 01:34:45.479 him right now? Really, you should call him right now. And again 1166 01:34:46.359 --> 01:34:53.640 I've heard this from people directly that after you're on the full dose, after 1167 01:34:53.920 --> 01:34:58.239 you reach full dose, you'll feel it. In about two weeks at full 1168 01:34:58.319 --> 01:35:01.319 speed, you'll you'll start and then because your body gets used to that. 1169 01:35:01.880 --> 01:35:04.840 And again, I'm not a doctor, I'm just telling you what people have 1170 01:35:04.920 --> 01:35:09.000 told me. Three three seven one three talks seven one three eight two five 1171 01:35:09.079 --> 01:35:13.560 five. I want to talk again to Barry Miller. Barry Miller, he 1172 01:35:13.720 --> 01:35:15.880 is a real estate broker. He has been around for years and years and 1173 01:35:15.960 --> 01:35:19.640 years in Denver. Fully trusted. I trust him fully, I really do. 1174 01:35:20.319 --> 01:35:26.039 You don't last this long without having a great reputation. He's doing something 1175 01:35:26.079 --> 01:35:29.439 called Vista Investments. And again, I want to make this very clear, 1176 01:35:29.479 --> 01:35:32.159 this is not a commercial, this is not a sponsorship. I'm talking to 1177 01:35:32.239 --> 01:35:36.319 him about it because I heard about these returns. And what he does is 1178 01:35:36.359 --> 01:35:43.000 he buys real estate in a great markets and they're in it for the appreciation. 1179 01:35:44.000 --> 01:35:46.000 Barry, I need to ask just a couple of questions when you do 1180 01:35:46.079 --> 01:35:49.840 these investments. Do you do one to one in other words, one investor 1181 01:35:49.880 --> 01:35:56.279 comes to you and then you hook them up with one or more properties, 1182 01:35:56.600 --> 01:36:00.880 or do you pull the money. We do not pool the money because that 1183 01:36:00.920 --> 01:36:08.159 would be securities, and we are in real estate. More cannot security, 1184 01:36:08.359 --> 01:36:12.960 so we cannot initiate pooling of the money. Okay, So what you do 1185 01:36:13.239 --> 01:36:16.279 is if I come to you and I say, Barry, I have fifty 1186 01:36:16.319 --> 01:36:20.239 grand, one hundred grand, whatever I have to invest, you take me 1187 01:36:20.680 --> 01:36:27.119 to a specific investment or two or three for me? Well yeah, yeah, 1188 01:36:27.159 --> 01:36:28.960 yeah, And we would sit down with you, you know, for 1189 01:36:29.119 --> 01:36:31.560 the men. However long it took to say, what is it that your 1190 01:36:31.680 --> 01:36:36.920 financial objectives are? Because some people are retiring in six eight years and they 1191 01:36:38.000 --> 01:36:42.279 want to have cash flow of a big nature, like ten grand a month 1192 01:36:42.760 --> 01:36:45.800 in six or eight years. Well, that'll be a particular plan. Other 1193 01:36:45.880 --> 01:36:49.600 people say, bet. Most most of our customers say, Barry, get 1194 01:36:49.640 --> 01:36:54.600 me that highest return that we hear about. Yes, we'd like to double 1195 01:36:54.640 --> 01:36:59.399 our money in two years. Now, Barry, do you do the people 1196 01:36:59.439 --> 01:37:02.840 who come to you for vesterra investments? Do they come to you for monthly 1197 01:37:03.000 --> 01:37:10.319 income off the rents or do they come to you for appreciation of the equity. 1198 01:37:12.000 --> 01:37:15.920 Truthfully, I could say both, but the whole truth would be most 1199 01:37:16.239 --> 01:37:21.239 all of them for the equity gain, because that's where the big money is. 1200 01:37:21.720 --> 01:37:27.880 When researched properly. It's safe as can be in residential real estate, 1201 01:37:27.920 --> 01:37:30.680 but it has to be researched big time. Okay. So if they come 1202 01:37:30.720 --> 01:37:35.800 to you for appreciation and they put money in, is that that's money I 1203 01:37:35.840 --> 01:37:41.600 assume is used for loan for them to get loans on the property right down 1204 01:37:41.680 --> 01:37:45.960 payment down. Most people are putting the twenty five percent down. Now, 1205 01:37:45.960 --> 01:37:49.920 when they put twenty five percent down on a property and they get the property 1206 01:37:50.439 --> 01:37:57.800 financed, do they always run a positive cash flow? Our requirement is the 1207 01:37:57.840 --> 01:38:02.319 only properties will look at, meaning neighborhoods and properties have to have a break 1208 01:38:02.359 --> 01:38:06.560 even or positive cash flow in the first year, and it has to get 1209 01:38:06.600 --> 01:38:12.439 better in the years after that. And how long do your people expect to 1210 01:38:12.479 --> 01:38:16.560 stay in that property before they sell and appreciate and get appreciated? Yeah, 1211 01:38:16.560 --> 01:38:20.399 go ahead, Yeah, and that one, Tom, that's always always a 1212 01:38:20.520 --> 01:38:26.840 very pertinent question. It depends on what their financial plans are. Again, 1213 01:38:26.960 --> 01:38:30.199 someone retiring in eight years, you know, we're structuring it for them, 1214 01:38:30.319 --> 01:38:33.760 or twelve years some of them want, you know, family passed down, 1215 01:38:33.840 --> 01:38:41.399 generational wealth. It could be a little longer, but most of our owners 1216 01:38:41.800 --> 01:38:45.560 have a plan that is definitely in what we call mid range, closer to 1217 01:38:45.640 --> 01:38:50.560 the ten year period. However, we do say, now, do you 1218 01:38:50.600 --> 01:38:56.159 want to double your turns in a matter of years? They said, yes, 1219 01:38:56.239 --> 01:38:59.039 how do we do that? Ten thirty one time, We'll take one 1220 01:38:59.119 --> 01:39:02.720 property and in two years sell it and buy for those people to properties, 1221 01:39:03.199 --> 01:39:09.520 doubling their amount of income return. Okay, And no, cash out of 1222 01:39:09.560 --> 01:39:12.880 their pocket. Now, Barry, I'm going to ask you some other questions 1223 01:39:12.880 --> 01:39:15.840 coming up, and I appreciate your patience. I want to know, do 1224 01:39:15.000 --> 01:39:19.479 any of your investors ever suffer negative cash flow? What if my property needs 1225 01:39:19.520 --> 01:39:24.000 a furnace? What if? What if? What if? All of that 1226 01:39:24.119 --> 01:39:28.079 coming up on the Troubleshooter Show. This is fascinating to me, by the 1227 01:39:28.079 --> 01:39:31.119 way, and I'm happy to be talking to Barry about it. More coming 1228 01:39:31.199 --> 01:39:42.720 right up. Go with a sure thing Denver's best roofer Excel Roofing dot com. 1229 01:39:42.760 --> 01:39:48.079 You don't pay a cent until you're content. Wait time for an insurance 1230 01:39:48.159 --> 01:39:53.720 checkup free, no obligation. In comparison, call Compass Insurance paying too much 1231 01:39:53.840 --> 01:39:58.119 your coverage at dozens of insurance companies find out now three oh three seven seven 1232 01:39:58.119 --> 01:40:00.520 to one help. You'll think you're his own week customer when you choose Frank 1233 01:40:00.600 --> 01:40:05.199 durand the real estate Man dot com to list your home with Remax Alliance three 1234 01:40:05.199 --> 01:40:15.479 all three nine two zero sixteen twenty two. Hi tom Archino, you're troubleshooter 1235 01:40:15.960 --> 01:40:18.720 three all three seven one three talk three oh three seven one three eight two 1236 01:40:18.800 --> 01:40:24.279 five five. By the way, I'm talking to Barry Miller, and he 1237 01:40:24.439 --> 01:40:27.920 has uh, he's been a real estate broke for years. And we have 1238 01:40:28.000 --> 01:40:31.359 some interesting comments on our from our YouTube. I lovely call him YouTube warns. 1239 01:40:32.399 --> 01:40:38.760 And I'm sure that they probably linger in the in the questions of people's 1240 01:40:38.880 --> 01:40:44.640 minds in general. They're pretty reflective of They're pretty reflective of people what they're 1241 01:40:44.680 --> 01:40:48.960 thinking. Okay, so some of the questions. First of all, this 1242 01:40:49.239 --> 01:40:55.680 is a private investment. So what about tax implications. Do they get right 1243 01:40:55.760 --> 01:40:59.039 offs? Do they get gained not gains, but do they get income during 1244 01:40:59.039 --> 01:41:01.880 the year or do they suffer losses? Somebody, you know, I can't 1245 01:41:01.880 --> 01:41:04.680 believe that a house would be perfect, or an apartment or whatever. They 1246 01:41:04.720 --> 01:41:10.720 buy duplexes and that's another thing. What kinds of properties? And what about 1247 01:41:10.800 --> 01:41:16.439 furnaces and air conditioners and septic systems or whatever, drain problems? What about 1248 01:41:16.439 --> 01:41:23.680 it? All of it. We have a requirement that the property to the 1249 01:41:23.920 --> 01:41:28.640 triple check. Now we have a buyer agent who checks it first before it 1250 01:41:28.680 --> 01:41:31.520 comes to us, that he sends us the numbers. The numbers have to 1251 01:41:31.560 --> 01:41:38.880 meet certain criteria. We have a proprietary analysis of the property. But deferred 1252 01:41:38.960 --> 01:41:45.199 maintenance we call all those things had a septic tank issue. Today it was 1253 01:41:45.279 --> 01:41:50.039 cleaned out and certified less than a year ago. We must have a strong, 1254 01:41:50.600 --> 01:41:58.640 strong, written inspection report that makes it appear clearly clearly that in the 1255 01:41:58.680 --> 01:42:04.159 next two years there will not be more than seven thousand dollars of deferred maintenance. 1256 01:42:04.199 --> 01:42:09.039 Now, that's getting into the furnace and air conditioning. Okay, they're 1257 01:42:09.079 --> 01:42:13.239 the two big items we look at. Roof is also the third big item. 1258 01:42:13.600 --> 01:42:17.039 We are finding what we call cherry picked properties and neighborhoods that do not 1259 01:42:17.239 --> 01:42:24.640 have many rentals. Newer homes typically under twenty years and if they're twenty years 1260 01:42:24.680 --> 01:42:28.640 old, we have to make sure that the furnace that heat pumps back east 1261 01:42:29.039 --> 01:42:33.239 you know they use them. But the same idea air conditioning that everyone including 1262 01:42:33.399 --> 01:42:42.319 the arms length home inspector says every indication is this house will not have deferred 1263 01:42:42.319 --> 01:42:47.239 maintenance items of over seven grand in the next two Sometimes we push and say 1264 01:42:47.279 --> 01:42:51.720 tell us two to three years now. We also don't want at the end 1265 01:42:51.720 --> 01:42:57.680 of three years four problems the total seven or eight thousand tom. In our 1266 01:42:57.920 --> 01:43:03.479 four years of being reactivated in twenty nineteen we reactivated, we have had zero 1267 01:43:03.640 --> 01:43:09.119 problems The biggest problem was the thirteen hundred dollars replacement of a door. When 1268 01:43:09.159 --> 01:43:13.680 I got involved because we oversee the management, that turned down to that turned 1269 01:43:13.680 --> 01:43:17.680 out to be an under four hundred dollars new front storm door. So we 1270 01:43:17.840 --> 01:43:23.760 are hitting the mark, but it's through real, real, thorough research and 1271 01:43:24.520 --> 01:43:29.439 monitoring every single property that every one of our customers buy. Is it totally 1272 01:43:29.760 --> 01:43:35.800 hands off for the investor? It can be totally hands off. Some of 1273 01:43:35.800 --> 01:43:40.720 them like to be more involved than others, but that's typically just a little 1274 01:43:40.720 --> 01:43:45.079 bit more involved with us than asking us more questions that we welcome that, 1275 01:43:45.279 --> 01:43:49.520 and we love skepticism in the beginning, and we loved communications throughout the brand. 1276 01:43:49.680 --> 01:43:53.119 I didn't get to all my questions from my people. If you can 1277 01:43:53.199 --> 01:43:57.439 hang on, I'd truly appreciate it. Go with a sure thing Denver's Best 1278 01:43:57.520 --> 01:44:04.279 roofer Excelroofing dot com. You don't pay cent until you're content. Time for 1279 01:44:04.319 --> 01:44:09.640 an insurance check up free, no obligation. In comparison, call Compass Insurance. 1280 01:44:09.800 --> 01:44:13.760 Pay too much your coverage at dozens of insurance companies find out now three 1281 01:44:13.840 --> 01:44:16.680 oh three seven seven to one help. You'll think you're his only customer when 1282 01:44:16.680 --> 01:44:20.399 you choose Frank durand the real estate man dot com to list your home with 1283 01:44:20.520 --> 01:44:33.640 Remax Alliance three oh three nine two zero sixteen twenty two Ripped News. You 1284 01:44:33.880 --> 01:44:43.279 needed that so you don't have come run in as as a cam shooter's gonna 1285 01:44:43.359 --> 01:44:53.199 help come Dix is the Troubleshooter Show. No Tom Martinez, Oh, welcome 1286 01:44:53.239 --> 01:44:56.840 to the show. I'm Tom. Solving your problems, answering your questions, 1287 01:44:56.840 --> 01:45:00.920 taking your complaints, make your life just a little easier. I hope that 1288 01:45:00.960 --> 01:45:04.000 you've been hearing my call with Barry Miller. I'm going to go back to 1289 01:45:04.000 --> 01:45:09.560 that. I also have doctor Joel Trudak with me Denver Regen dot com about 1290 01:45:09.840 --> 01:45:14.720 Semiglue Tide and we have questions about that as well. So we also have 1291 01:45:14.800 --> 01:45:19.560 an update about the bows radio that a couple they moved and it was smashed 1292 01:45:19.560 --> 01:45:23.159 and they needed a new one, and we'll go to that one. In 1293 01:45:23.199 --> 01:45:30.479 fact, let's do that right now. We have a deputy a dollar depty 1294 01:45:30.640 --> 01:45:38.239 dollar. This problem occurred when this older couple they were moving and their Bow's 1295 01:45:38.359 --> 01:45:42.720 radio was destroyed. Right is that it in a nutshell And of course the 1296 01:45:42.800 --> 01:45:45.840 movers as usual said there's nothing we can do about it. Linda and Dean. 1297 01:45:46.119 --> 01:45:50.479 What happened then? So then a couple of weeks ago, Linda had 1298 01:45:50.479 --> 01:45:58.079 called into the show and a listener heard the call and said, oh, 1299 01:45:58.159 --> 01:46:01.319 I have a bowse radio that I'm not you using, and he dropped it 1300 01:46:01.359 --> 01:46:05.439 off here at the station. And then when I when I came in this 1301 01:46:05.600 --> 01:46:11.000 morning, I asked Kelly if it was here, and she said yeah, 1302 01:46:11.760 --> 01:46:15.880 and I called Linda and they live about two minutes from the station. Oh, 1303 01:46:15.960 --> 01:46:18.840 no, fooling yeah, And they just came right over and they're the 1304 01:46:19.000 --> 01:46:25.319 sweetest little couple and they were so happy. They brought a CD to test 1305 01:46:25.359 --> 01:46:29.039 out, you know, if that worked, but they were so thankful to 1306 01:46:30.199 --> 01:46:34.399 the efforts. And that's cool. Yeah, I did not realize that that 1307 01:46:34.560 --> 01:46:40.039 is so wonderful. So they have. In fact, you know, it's 1308 01:46:40.079 --> 01:46:42.960 been a while since I used my dinger, so I may as well use 1309 01:46:43.000 --> 01:46:45.359 it, because if you don't use it, you know what they say, 1310 01:46:45.359 --> 01:46:50.319 you lose it. So here's the dinger. And thank you for that listener 1311 01:46:51.319 --> 01:46:56.640 who provided that you working on anything else? Dollar, Oh yeah, I've 1312 01:46:56.640 --> 01:47:00.279 got a couple other ones that I'll have updates here in the new Kay day 1313 01:47:00.359 --> 01:47:01.960 or two. All right, by the way, you can call us. 1314 01:47:02.000 --> 01:47:05.479 We got another hour to go three all three seven one three talk three old 1315 01:47:05.479 --> 01:47:10.560 three seven one three eight two five five. In fact, if you have 1316 01:47:10.600 --> 01:47:14.840 any questions for my guest Denver Regen dot com on stem cell therapy or Semaglue 1317 01:47:14.840 --> 01:47:18.239 tide for weight loss that you've heard about, they provided at just two hundred 1318 01:47:18.239 --> 01:47:21.119 and fifty bucks a month. Now the other thing I'm talking if you have 1319 01:47:21.159 --> 01:47:26.279 any questions for Barry Miller. Barry Miller is you know I met him many 1320 01:47:26.279 --> 01:47:30.039 many years ago. I met Barry many years ago and he was doing he 1321 01:47:30.119 --> 01:47:33.520 was he pioneered the buyer broker in real estate. He literally pioneered it. 1322 01:47:33.560 --> 01:47:38.560 And I did a story on him and interviewed him, and then over the 1323 01:47:38.600 --> 01:47:41.479 years I've watched him and he's done this. He's doing this thing now called 1324 01:47:41.560 --> 01:47:45.079 Vestera Investments, where really it's it's not a reed, a real estate investment 1325 01:47:45.119 --> 01:47:51.800 trust, it's not a pooled investment. But what it is is he advertises 1326 01:47:51.840 --> 01:47:56.199 and people want to get into real estate. He does it all basically as 1327 01:47:56.239 --> 01:48:00.319 far as the management and the prospects and the buying the properties are helped them 1328 01:48:00.319 --> 01:48:02.800 by it, and these consumers come to him. It's not pulled money. 1329 01:48:02.840 --> 01:48:06.439 So a consumer will come to him. He'll set them up in a rental 1330 01:48:06.479 --> 01:48:11.600 somewhere in a great market, he says, with good appreciation. But I 1331 01:48:11.600 --> 01:48:15.960 have some very basic questions. There's always risk when you're in the rental business. 1332 01:48:15.279 --> 01:48:18.920 So what could go wrong? Obviously there could be losses, But so 1333 01:48:19.159 --> 01:48:25.279 far, so far, you're saying, and again you know there are no 1334 01:48:25.319 --> 01:48:29.000 guarantees in anything, but you're saying so far in how long you've been doing 1335 01:48:29.039 --> 01:48:32.840 this? Now? So Tom, the company started in two thousand and three. 1336 01:48:33.159 --> 01:48:36.840 I had some terrible family situations. I had to shut down for about 1337 01:48:36.880 --> 01:48:44.399 eight years, from twenty ten to twenty eighteen, so roughly fourteen good solid 1338 01:48:44.479 --> 01:48:49.000 years. And really the losses that we had, the only losses were because 1339 01:48:49.000 --> 01:48:54.319 of the Great Recession. I was telling some of our rights sell, sell, 1340 01:48:54.720 --> 01:49:00.239 and some didn't sell soon enough. Now right now, though, Tea, 1341 01:49:00.720 --> 01:49:03.359 Yeah, we got super active, super active more than ever before, 1342 01:49:03.600 --> 01:49:09.680 because I have wound down my real estate professional practice because of this, and 1343 01:49:09.760 --> 01:49:15.640 we have had no losses, zero losses in four years. In four years. 1344 01:49:15.960 --> 01:49:20.960 It's not quite one hundred properties, but it's approaching one hundred properties and 1345 01:49:21.039 --> 01:49:26.960 now we're growing exponentially. Okay, next thing, do they get passed Do 1346 01:49:27.000 --> 01:49:31.079 your people get passed through write offs? Yeah they do. That's up to 1347 01:49:31.119 --> 01:49:35.920 their situation with their tax you know, prepare, but yes they do. 1348 01:49:36.000 --> 01:49:42.000 Because some of them are taking you know, accelerated depreciate. I always warn 1349 01:49:42.079 --> 01:49:45.600 them that when they do that, that's good for those years. But when 1350 01:49:45.600 --> 01:49:48.000 they sell it, let's say, attend thirty one, they they're going to 1351 01:49:48.039 --> 01:49:54.000 have to give back that gain. But no, but we're we're killing it. 1352 01:49:54.760 --> 01:49:58.720 Okay, because there's recapture of gains. But sometimes it's better to take 1353 01:49:58.760 --> 01:50:02.920 the deduction in your high income years and then take the gains later on recapture 1354 01:50:02.960 --> 01:50:06.840 in your lower income years. So they do get some tax right off. 1355 01:50:06.920 --> 01:50:11.920 So they do, of course make most of the time long term capital gains, 1356 01:50:12.000 --> 01:50:15.439 right because they're keeping them longer. Well yeah, yeah, and then 1357 01:50:15.479 --> 01:50:19.399 when they sell, you know, it's usually in an exchange situation. But 1358 01:50:19.520 --> 01:50:25.680 eventually, you know, when people we have some wonderful listeners from okay, 1359 01:50:25.800 --> 01:50:29.439 how of course, who are in their mid eighties now, and they're just 1360 01:50:29.479 --> 01:50:31.920 saying, we're not ready to slow down yet, you know, but when 1361 01:50:32.000 --> 01:50:36.039 they do it. They're going to not be hit with terrible capital gains. 1362 01:50:36.760 --> 01:50:41.159 We all think they're terrible, but they won't be hit as hard as whether 1363 01:50:41.199 --> 01:50:45.600 they would have when they were in their fifties. Okay, Now as far 1364 01:50:45.760 --> 01:50:54.760 as as far as let me see somebody says here, people say these investments 1365 01:50:54.760 --> 01:50:58.399 sound almost too good to be true. That's one of the COIs. Okay, 1366 01:50:58.439 --> 01:51:00.279 but you're saying it. The proof is in the pudding. And of 1367 01:51:00.279 --> 01:51:06.000 course there's no guarantee now, but conversations and meeting with us and then seeing 1368 01:51:06.039 --> 01:51:11.319 the numbers. We everyone who comes to us after they I mean, we 1369 01:51:11.359 --> 01:51:15.119 want skepticism, but they have to sign a non disclosure because we reveal to 1370 01:51:15.199 --> 01:51:20.199 them actual properties that are recently purchased. If they want a four year old 1371 01:51:20.279 --> 01:51:25.720 property. They want to talk to our current customers, but they do sign 1372 01:51:25.760 --> 01:51:31.399 an NDA so that they don't go telling some sloppy real estate or securities person, 1373 01:51:31.840 --> 01:51:34.720 you know, and then and then somebody's going to hurt them. Okay, 1374 01:51:34.720 --> 01:51:39.359 but this is really important to you. Is it totally If I come 1375 01:51:39.399 --> 01:51:42.359 to you and I don't want to mess with anything, is it all hands 1376 01:51:42.399 --> 01:51:46.039 off? Other than signing my name, other than signing your name. You 1377 01:51:46.079 --> 01:51:50.479 get an annual report from the property manager. You get monthly reports from the 1378 01:51:50.520 --> 01:51:56.560 property manager. But it's hands off. We are fully turnkey. That's why 1379 01:51:56.600 --> 01:52:00.640 we really are pushing the change of our name. We changed our I haven't 1380 01:52:00.680 --> 01:52:06.359 done it at the Secretary of State's office yet to invest Terra turnkey investments because 1381 01:52:06.399 --> 01:52:13.720 we are now totally turnkey. Okay, the next thing, how do you 1382 01:52:13.920 --> 01:52:16.079 make your money? You never trust anyone till you know how they make money. 1383 01:52:16.159 --> 01:52:20.000 Right now, Oh you bet you better ask that question. Well, 1384 01:52:20.039 --> 01:52:25.319 the consumer does not have to pay us anything directly, but Tom, you 1385 01:52:25.399 --> 01:52:30.039 know that both with commissions, the buyer commission, the buyer broker commission and 1386 01:52:30.159 --> 01:52:35.039 the seller broker commission are built into still even with the court cases, into 1387 01:52:35.159 --> 01:52:41.520 the asking or selling price of course, purchase price of the property. Okay, 1388 01:52:41.720 --> 01:52:45.560 we're doing over half the work having the buyer prepared. So the buyer 1389 01:52:45.680 --> 01:52:53.960 then goes to our selected buyer agent in let's just say North Carolina. The 1390 01:52:54.000 --> 01:53:00.640 North Carolina person becomes our customers buyer agent. They close the transaction, that 1391 01:53:00.720 --> 01:53:05.279 buyer broker sends us in round numbers half of the commission that they received. 1392 01:53:05.800 --> 01:53:11.359 That's how we get paid okay, but hold on, then what about I 1393 01:53:11.880 --> 01:53:15.439 would imagine that's pretty hard to sustain with all you're doing, I mean just 1394 01:53:15.560 --> 01:53:20.159 the buyer commission or half of it. Do you make anything on the management? 1395 01:53:21.479 --> 01:53:24.960 No? Nothing on the management. No, no, No, it's 1396 01:53:25.000 --> 01:53:30.840 not hard to sustain. We have it down to very very efficient. If 1397 01:53:30.880 --> 01:53:36.880 you will on behalf of the consumer business processes that in ballpark figure, fifty 1398 01:53:36.920 --> 01:53:43.760 percent of that buyer broker fee that comes back to us covers our expenses, 1399 01:53:44.000 --> 01:53:47.319 our research, which is the big big item, and we make a profit. 1400 01:53:48.319 --> 01:53:53.159 Okay, I mean that's wonderful, but wow. So but do you 1401 01:53:53.199 --> 01:53:56.039 also get them on the way out when they sell? And I don't mean 1402 01:53:56.079 --> 01:54:01.439 get them, I mean do we get a referral fee from the seller agent? 1403 01:54:01.560 --> 01:54:04.119 Yes, we do. It's a little it's modified, it a little 1404 01:54:04.159 --> 01:54:09.279 different because we don't do as much work and we try to get that seller 1405 01:54:09.319 --> 01:54:13.680 agent. So your total commission, your total commission is on buying and selling. 1406 01:54:14.760 --> 01:54:17.399 Absolutely, and then there's no one between you. Don't you don't charge 1407 01:54:17.479 --> 01:54:21.760 me a fee at all? No fees at all. No, there's an 1408 01:54:21.840 --> 01:54:28.199 optional fee if you want us to do extra extra like what search and I'll 1409 01:54:28.239 --> 01:54:31.439 tell you what it is over see the property manager. In other words, 1410 01:54:31.479 --> 01:54:35.000 people are putting us in charge. Say up to a five hundred dollars problem, 1411 01:54:35.039 --> 01:54:39.560 Barry, we want your team to take care of the problem. Well, 1412 01:54:39.600 --> 01:54:44.000 hold on when you say property manager, do you have? Then you 1413 01:54:44.079 --> 01:54:47.000 turn when I give you the money or invest the money, and you set 1414 01:54:47.000 --> 01:54:51.520 me up. Do you find the loans? We find the loans. We 1415 01:54:51.760 --> 01:54:56.600 get no money from that. We do not. We find the property manager. 1416 01:54:56.680 --> 01:55:00.159 We get nothing from them. But you pay us, ridging out about 1417 01:55:00.199 --> 01:55:05.800 two hundred and fifty dollars a year per property. If you want us to 1418 01:55:06.399 --> 01:55:12.479 oversee the manager themselves and the management of the property. Do you use the 1419 01:55:12.520 --> 01:55:17.399 same management company in each market? We have one, no more than three 1420 01:55:17.840 --> 01:55:23.079 in any of the bigger markets. And the property managers you've been working with 1421 01:55:23.279 --> 01:55:27.720 and you trust them, Oh, we trust them. And I mean my 1422 01:55:27.840 --> 01:55:31.399 wife and I are in the company. She has to line up in line 1423 01:55:31.600 --> 01:55:35.560 just like all the other customers. And we do that very open book, 1424 01:55:35.600 --> 01:55:41.720 paper flow process. And I go to the when we pick a hotspot city, 1425 01:55:41.760 --> 01:55:45.159 I go there. I mean I meet the property managers and all the 1426 01:55:45.239 --> 01:55:50.199 people actually working the properties. I meet the local insurance brokers, of course, 1427 01:55:50.239 --> 01:55:55.560 I meet the buyer broker and seller broker. I meet attorneys. North 1428 01:55:55.560 --> 01:56:00.920 Carolina is an attorney state, unlike Colorado. So I meet the attorneys who 1429 01:56:00.960 --> 01:56:04.159 do the closings, and we make sure that they are pro customer, pro 1430 01:56:04.239 --> 01:56:10.680 consumer centric, consumer centric people, and yes we trust them. But no 1431 01:56:10.760 --> 01:56:15.840 matter what, it's my house, my loan, my responsibility. So if 1432 01:56:15.880 --> 01:56:19.279 the and again I'm not looking for trouble, but if the management company goes 1433 01:56:19.640 --> 01:56:26.840 tango uniform or if the uh, if the you retire or of them, 1434 01:56:27.039 --> 01:56:30.199 you know, I mean, it's my ultimate responsibility to get rid of the 1435 01:56:30.199 --> 01:56:35.479 property or to keep it going. Ultimately, it is at our company invest 1436 01:56:35.479 --> 01:56:40.720 there now we have two companies, vest Sterra Turnkey Investments, and then my 1437 01:56:40.880 --> 01:56:46.399 brokerage. We have a couple of failed uh safe systems that are people oriented. 1438 01:56:46.439 --> 01:56:49.560 We have three layers of people. Yes, I'm one of them. 1439 01:56:49.600 --> 01:56:54.479 If I you know, go, I'm no youngster and uh, but I 1440 01:56:54.600 --> 01:56:59.079 have young people coming into the company who'll take it over. We watch all 1441 01:56:59.119 --> 01:57:03.079 those things. And yes, nothing is one hundred percent safe, but nothing 1442 01:57:03.279 --> 01:57:09.039 no investment anywhere in this great country of a country. We limit ourselves to 1443 01:57:09.079 --> 01:57:14.640 the United States for obvious economic and political reasons. We're not going elsewhere where. 1444 01:57:14.680 --> 01:57:17.960 The the risk is much higher. Nothing is lower risk than what we're 1445 01:57:17.960 --> 01:57:23.720 doing. We have so many failed safe systems built in the entire process, 1446 01:57:24.239 --> 01:57:30.119 and that includes researching the neighborhood after our customers buy the property. Okay, 1447 01:57:30.199 --> 01:57:36.840 so their investment. What's the shortest time you had someone in and out we 1448 01:57:36.920 --> 01:57:44.039 had, Well, the shortest time is about two years, a little under 1449 01:57:44.119 --> 01:57:49.720 two years, and that's because they had an economic unforeseen negative let's call it 1450 01:57:49.760 --> 01:57:54.840 a financial disaster in their family and they had to get out and they still 1451 01:57:54.880 --> 01:57:58.000 made good money. Now, a year ago, less than a year ago, 1452 01:57:58.000 --> 01:58:01.600 I had a person tom her job and we were doing the research on 1453 01:58:01.680 --> 01:58:08.239 her property. Her return if she had to sell it after about twelve thirteen 1454 01:58:08.279 --> 01:58:14.000 months was going to be thirty three percent after sales costs. Okay, that's 1455 01:58:14.039 --> 01:58:16.560 the worst that we've had. And then her job came back and she said, 1456 01:58:16.600 --> 01:58:18.880 Barry, I don't have to sell it. Don't have to sell And 1457 01:58:18.920 --> 01:58:25.000 she has since purchased another property. Wow, we watch it. We care 1458 01:58:25.039 --> 01:58:32.880 about our customers. All it is is microscopic care and macro economics combined, 1459 01:58:33.520 --> 01:58:38.760 all the way to microscopic care. You know. I'm talking about walking the 1460 01:58:38.800 --> 01:58:43.399 streets and making sure we get the best house at the best time. Sometimes 1461 01:58:43.439 --> 01:58:46.199 we put our offers in and they're not accepted. Fine, we just quickly 1462 01:58:46.239 --> 01:58:49.479 walk. We're easily walk. You know. If it's not the right property, 1463 01:58:49.520 --> 01:58:54.520 we're going to walk through negotiations. People are buying it all time. 1464 01:58:54.600 --> 01:58:59.000 High interest rates right now right and high prices time interest rates, and this 1465 01:58:59.079 --> 01:59:03.159 is now. We lost a couple of hotspot cities because of the high interest 1466 01:59:03.199 --> 01:59:08.680 rates. San Antonio, I will say, was a hotspot city combined with 1467 01:59:08.760 --> 01:59:12.920 high property taxes of Texas. But when the interest rates went up, it 1468 01:59:13.039 --> 01:59:15.800 was no longer a positive cash flow. I just told the broker and the 1469 01:59:15.800 --> 01:59:19.279 people we were working with, I said, we got to take you off 1470 01:59:19.319 --> 01:59:24.720 the hotspot market. We can't work with you until the interest rates come down 1471 01:59:24.880 --> 01:59:28.640 or if you will get Texas to lower their property taxes, and that's not 1472 01:59:28.720 --> 01:59:30.800 going to happen. So there's nothing to prevent someone to go to a hot 1473 01:59:30.880 --> 01:59:34.199 market, although they don't have the research, but if they could find out 1474 01:59:34.239 --> 01:59:39.119 a hot market to go there, buy a rental and get a management company. 1475 01:59:39.560 --> 01:59:43.159 So I've had people go around me. I'm sorry to say yes. 1476 01:59:43.640 --> 01:59:46.640 I mean because I mean it's not magic, right or is there some is 1477 01:59:46.279 --> 01:59:49.479 it? Is it all in the research or do you do the people know? 1478 01:59:49.640 --> 01:59:53.840 Do the manager companies know? Well, Barry's involved. Let's treat these 1479 01:59:53.840 --> 01:59:59.479 people extra well I mean or correct correct? Think about it. One person 1480 01:59:59.600 --> 02:00:02.920 goes and they get a manager for one property. Okay, something goes wrong 1481 02:00:03.039 --> 02:00:08.359 that property management company loses one customer. With us, they're going to lose 1482 02:00:08.399 --> 02:00:13.800 dozens of customers. Our people are getting great, great attention, all right, 1483 02:00:13.840 --> 02:00:15.479 and we know it. We know it, and it works. But 1484 02:00:15.960 --> 02:00:21.000 we have everything gear Tom and by the way, we love love, healthy 1485 02:00:21.039 --> 02:00:26.880 skepticism. And we say to all the consumers you talk to anybody either I 1486 02:00:26.880 --> 02:00:29.520 don't care for you know, go ahead and we love it. And we're 1487 02:00:29.560 --> 02:00:32.479 here to answer questions at anytime. Now listen, I want to make sure 1488 02:00:32.600 --> 02:00:35.920 people know this is not a commercial. This is just a real interview. 1489 02:00:36.000 --> 02:00:40.399 I had questions. Now here's the deal. Give out your number. I'm 1490 02:00:40.439 --> 02:00:43.039 going to reserve the right to call you back. If people call in and 1491 02:00:43.079 --> 02:00:45.119 ask about it, we'll get you. We'll get Okay. What where should 1492 02:00:45.119 --> 02:00:55.680 people call for more information? Three zero three eight eight eight three seven eight 1493 02:00:55.960 --> 02:01:00.880 eight. And then your website website is vest Tara. Now that's via in 1494 02:01:01.039 --> 02:01:06.359 victory E s T. That's the word vest as in invest. And then 1495 02:01:06.399 --> 02:01:12.079 it's Tara t E R R A invest in the land, but only one 1496 02:01:12.119 --> 02:01:17.800 t vest Tara turnkey dot com. All right, thank you very much, 1497 02:01:17.840 --> 02:01:26.239 Barry. Appreciate that we got more coming right up. Go with a sure 1498 02:01:26.359 --> 02:01:30.880 thing Denvers best Roofer Excel Roofing dot com. You don't pay a cent until 1499 02:01:30.880 --> 02:01:39.039 you're content. Time for an insurance checkup free, no obligation comparison call Compass 1500 02:01:39.039 --> 02:01:43.520 Insurance. Pay too much your coverage at dozens of insurance companies find out now 1501 02:01:43.600 --> 02:01:46.640 three oh three seven seven one help. You'll think you're his only customer when 1502 02:01:46.640 --> 02:01:50.359 you choose Frank durand the real estate Man dot com to list your home with 1503 02:01:50.479 --> 02:02:01.720 Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom Martino 1504 02:02:01.840 --> 02:02:06.920 here three oh three seven one three talk three oh three seven one three eight 1505 02:02:06.960 --> 02:02:13.239 two five five. Welcome to the show. By the way, Genesis Tootalexteriors 1506 02:02:13.279 --> 02:02:20.359 dot com. Remember them for their fully uh everything, full service exterior maintenance 1507 02:02:20.520 --> 02:02:27.479 and repairs for everything hell damaged. Genesis tootal exteriors dot com. So you 1508 02:02:27.479 --> 02:02:33.039 have one source, one contact Genesis. Now doctor chart Ach is with us 1509 02:02:33.039 --> 02:02:36.560 from Denver Regen dot com. We're also taking your calls at three O three 1510 02:02:36.800 --> 02:02:40.960 seven one three talk three oh three seven one three eight two five five. 1511 02:02:41.840 --> 02:02:45.199 You have a half hour. You want to get in, you want to 1512 02:02:45.239 --> 02:02:47.079 talk about anything. And again I let Barry Miller go, that was, 1513 02:02:47.199 --> 02:02:50.880 uh, just a very It's just an interest I had because I heard the 1514 02:02:51.039 --> 02:02:56.800 ads and I thought, you know what, how when you do these kinds 1515 02:02:56.840 --> 02:03:00.760 of promises on returns that's based on the past, never getaranteed, of course, 1516 02:03:00.800 --> 02:03:03.079 But here's the bottom line. If you have a track record and you're 1517 02:03:03.119 --> 02:03:09.000 doing it, you're doing it now. There are so many things that come 1518 02:03:09.039 --> 02:03:13.680 into play like that. There are so many people promising things. What you 1519 02:03:13.800 --> 02:03:17.079 need to look at are guarantees in writing, or you need to look at 1520 02:03:17.680 --> 02:03:24.039 track records. And again, there's nothing to prevent another great recession from coming 1521 02:03:24.159 --> 02:03:29.760 or anything like that, as of course everyone knows things can happen, right, 1522 02:03:30.439 --> 02:03:33.720 Okay, So what is on your mind today? Well, I have 1523 02:03:33.840 --> 02:03:38.399 some questions about Semaglue tide. Again. Let me go to my text here 1524 02:03:38.479 --> 02:03:44.800 real quick but we did hit upon the We did hit upon the obsessive behavior. 1525 02:03:45.319 --> 02:03:49.800 It seems to be doing well for that. One texture, by the 1526 02:03:49.800 --> 02:03:56.640 way, said they lost on this seventy five pounds in five months. Holy 1527 02:03:56.760 --> 02:04:01.520 crap. All right, now, let's talk about the Oh and somebody else 1528 02:04:01.560 --> 02:04:06.800 wanted to make a comment on when I talked about Tesla, they talked about 1529 02:04:06.880 --> 02:04:12.359 the Porsche and Macon, the Macon A twenty twenty five making it's it's an 1530 02:04:12.399 --> 02:04:16.600 EV vehicle. Let's talk about obsessive behavior. What do you know about it? 1531 02:04:17.399 --> 02:04:20.319 I know there was some research on it. There's been some research and 1532 02:04:20.359 --> 02:04:26.000 there's been a lot of reports from patients people have gotten over addiction from it. 1533 02:04:26.279 --> 02:04:30.720 That or that's what they attribute to it. Compulsive behavior smoking Obviously, 1534 02:04:30.760 --> 02:04:33.279 overeating is a big one because that's what it controls. But in addition and 1535 02:04:33.439 --> 02:04:39.560 drinking, drinking smoking, I wonder why, well, because it it. 1536 02:04:39.600 --> 02:04:44.359 The theory is is that because it takes care of the centers of your brain 1537 02:04:44.760 --> 02:04:49.680 that are affected by those compulsions, including eating, those pleasure centers of your 1538 02:04:49.680 --> 02:04:57.279 brain are satiated by the drugs. So basically it suppresses your compulsion to want 1539 02:04:57.279 --> 02:05:01.319 to eat or want to do these other things. Okay, Now somebody also 1540 02:05:01.479 --> 02:05:04.520 asks will you ever have pill form in some of glue tide? I don't 1541 02:05:04.520 --> 02:05:09.520 even they have that. That does exist. It's very but is it as 1542 02:05:09.560 --> 02:05:12.560 effective? Not at all, which is why we don't offer it. You 1543 02:05:12.600 --> 02:05:15.760 have to take more or you have to take it more often. I don't 1544 02:05:15.760 --> 02:05:19.279 think that it works very effectively at all. I think because it's passing through 1545 02:05:19.319 --> 02:05:24.560 your digestive system that it gets broken down to the point where it's very I 1546 02:05:24.560 --> 02:05:27.640 would say you'd probably have to take more and more often. You probably have 1547 02:05:27.720 --> 02:05:30.439 to maybe even Daly who knows. I mean, it would be a waste, 1548 02:05:30.359 --> 02:05:35.079 right. You see some online pharmacies offering that for discounted prices, but 1549 02:05:35.840 --> 02:05:41.479 really it's not a very effect Do you find that injections are a barrier to 1550 02:05:41.640 --> 02:05:46.880 entry from a lot of people? What percentage once they speak with us? 1551 02:05:46.920 --> 02:05:51.279 It isn't because really what it is is a minor insulin injection, so it's 1552 02:05:51.039 --> 02:05:56.279 a really thin nied. It'll be surprised though, how many people can't inject 1553 02:05:56.279 --> 02:06:00.560 themselves. I remember when I started doing testosterne shots, I never thought millionaires 1554 02:06:00.600 --> 02:06:01.880 I could do it. Well, this is different. Obviously, it's a 1555 02:06:01.920 --> 02:06:04.119 much. Well, no, it's much smaller. But once you get over 1556 02:06:04.199 --> 02:06:06.399 that, you can do it. I mean, I don't know how to 1557 02:06:06.479 --> 02:06:11.640 explain it. It's just almost that initial thing. But the insulin needle is 1558 02:06:12.119 --> 02:06:16.079 it's it's a mosquito, but it's it's painless after you do it the first 1559 02:06:16.079 --> 02:06:18.800 time, it's it's a piece of cake. Okay, So you know, 1560 02:06:18.840 --> 02:06:21.520 we can you can always. One of the benefits of our clinic and our 1561 02:06:21.560 --> 02:06:26.000 clinic being local is that you can always come in and our staff can show 1562 02:06:26.039 --> 02:06:29.119 you how to do it. That being said, I don't think we've had 1563 02:06:29.159 --> 02:06:32.079 one patient come and take advantage of that. Uh. The so everything is 1564 02:06:32.359 --> 02:06:35.840 sent to them, ship to them, everything is shipped to them. So 1565 02:06:35.960 --> 02:06:41.000 right now somebody else want to know, is everything virtual from the right from 1566 02:06:41.000 --> 02:06:45.880 the get go? It can be, and most patients opt for that. 1567 02:06:45.119 --> 02:06:48.520 The convenience of of being able to talk to the doctor and talk to the 1568 02:06:49.279 --> 02:06:55.239 to our patient coordinator remotely is a convenience for most people. That being said, 1569 02:06:55.600 --> 02:06:58.479 we always offer anybody if they want to come into our clinic, they're 1570 02:06:58.520 --> 02:07:00.479 welcome to do so. Three three seven, one, three eight, two 1571 02:07:00.520 --> 02:07:05.119 five five more Right after this, go with a sure thing Denver's best roofer 1572 02:07:05.239 --> 02:07:13.399 Excel Roofing dot com. You don't pay a cent until you're content. Time 1573 02:07:13.439 --> 02:07:17.439 for an insurance checkup free, no obligation. Comparison call Compass Insurance paying too 1574 02:07:17.520 --> 02:07:21.800 much your coverage at dozens of insurance companies find out now three all three seven 1575 02:07:21.880 --> 02:07:26.920 seven one help. You'll think you're his only customer when you choose Frank durand 1576 02:07:26.920 --> 02:07:30.319 the real estate Man dot com to list your home with Remax Alliance three all 1577 02:07:30.359 --> 02:07:40.760 three nine two zero sixteen twenty two. Hi Tom Martinez here three all three 1578 02:07:40.880 --> 02:07:45.399 seven one three talk three h three seven one three eight two five five Java, 1579 02:07:45.600 --> 02:07:47.880 what is happening? And I'm sure no one has ever called you Java 1580 02:07:47.920 --> 02:07:51.800 the hut? What's going on? Oh? Yeah they do. So I 1581 02:07:53.079 --> 02:07:59.399 have a story for you about people trying to get past that insulin needle you 1582 02:07:59.439 --> 02:08:01.560 know, you in your body. It's not that big a deal. Yeah, 1583 02:08:03.359 --> 02:08:11.399 Well, I personally have injected it into my member for viagra, And 1584 02:08:11.560 --> 02:08:16.359 I mean, does it stuff work or what? Now? Get over that? 1585 02:08:18.880 --> 02:08:20.960 What do you mean by that? I think what he's trying to say 1586 02:08:22.000 --> 02:08:30.319 is that he has no problem object. Oh my goodness, Oh that you're 1587 02:08:30.359 --> 02:08:41.319 talking about the ed shot. Yeah you lane. Oh he's a that's his 1588 02:08:41.399 --> 02:08:46.560 GPS. So listen, hold on, bro hold on. Are you telling 1589 02:08:46.640 --> 02:08:52.800 me that you've done that? Oh yeah, I got prescriptions for a year 1590 02:08:52.880 --> 02:08:58.199 to do it. And and okay, this is a family show, but 1591 02:08:58.239 --> 02:09:03.520 we can talk about this a little bit now. You got to be pretty 1592 02:09:03.680 --> 02:09:09.000 so nothing else worked? Is that what you're saying. No, that's just 1593 02:09:09.039 --> 02:09:11.560 what they prescribed. It was just a helper, you know. And is 1594 02:09:11.600 --> 02:09:16.960 it like us? Is it as small as an insulin needle? Exactly? 1595 02:09:16.159 --> 02:09:20.439 Yep, exactly like it. It is an It is an insulin needle. 1596 02:09:20.680 --> 02:09:24.239 It's the same thing that we use. It is the same thing. How 1597 02:09:24.279 --> 02:09:28.359 do you know about it? Well, because we've offered that the patients as 1598 02:09:28.359 --> 02:09:31.840 well. You have okay, you offer that service as well. So no, 1599 02:09:31.000 --> 02:09:35.399 seriously, So that's what the man's men's clinics and all those you hear 1600 02:09:35.439 --> 02:09:37.039 advertised say, you know, come into the office. If the dose do 1601 02:09:37.319 --> 02:09:43.760 work, they use an insulin needle. Okay, yes, but I do. 1602 02:09:43.119 --> 02:09:46.640 Hold on, hold on, hold on those men's clinics and stuff. 1603 02:09:46.680 --> 02:09:50.840 You don't put it into your penis. They just put it in your body. 1604 02:09:50.880 --> 02:09:54.720 You put hormones in your body or whatever. No, No, we're 1605 02:09:54.760 --> 02:09:58.640 not talking about testosterone. There are some clinics. I know. I'm talking 1606 02:09:58.680 --> 02:10:03.960 about the actual stuff like viagra, And you put it directly in. I 1607 02:10:05.000 --> 02:10:07.760 know, I know exactly what you're talking about. And it's not viagra medicine. 1608 02:10:07.800 --> 02:10:11.680 It's not even close. It's a different kind of medicine altogether. I 1609 02:10:11.760 --> 02:10:15.000 know all about it. I mean, I shouldn't say I know all about 1610 02:10:15.039 --> 02:10:18.880 it. I've heard all about it. It's just that I couldn't even imagine 1611 02:10:18.880 --> 02:10:22.960 someone doing that. I mean, you gotta be truly really, I don't 1612 02:10:24.000 --> 02:10:28.960 know, y yeah, yeah, yeah. And by the way, I 1613 02:10:28.039 --> 02:10:35.239 believe the reason for that is that it constricts venus flow, and the venus 1614 02:10:35.319 --> 02:10:37.439 I don't know. Then you know, the yeah, venus flow. In 1615 02:10:37.479 --> 02:10:41.880 other words, what it does is it keeps it from outflowing. Most men 1616 02:10:41.960 --> 02:10:46.840 have a problem. You see. What viagra and the others do is increase 1617 02:10:46.960 --> 02:10:52.079 the inflow, and they hope to increase it enough where the outflow can the 1618 02:10:52.119 --> 02:10:56.399 inflow will keep up with the outflow. But as you get older, the 1619 02:10:56.520 --> 02:11:00.920 leakage or the outflow of blood is more severe than an anything you can put 1620 02:11:00.920 --> 02:11:05.680 in. So that's why those needs me though, Tom hold them. What 1621 02:11:05.760 --> 02:11:09.760 was killing me was when I was taking set of phil or all those ye 1622 02:11:09.880 --> 02:11:15.840 yeah, yeah, my head, my head, my head, shoulders, 1623 02:11:16.439 --> 02:11:20.760 on my head, on my shoulders would feel like it was exploding. A 1624 02:11:20.800 --> 02:11:22.439 lot of people have said that, a lot of people have said that, 1625 02:11:22.680 --> 02:11:26.600 and again, you know, you know, we can be we can be 1626 02:11:28.199 --> 02:11:33.000 sophomoric about it and all that, but there is a problem with a lot 1627 02:11:33.079 --> 02:11:35.119 of men with ed as you get older, and it's not nothing to be 1628 02:11:35.119 --> 02:11:39.560 ashamed of, but but truly, those injections you're talking about, more power 1629 02:11:39.560 --> 02:11:43.319 to you if you can do it, and that is to restrict venus flow. 1630 02:11:43.399 --> 02:11:46.560 That's exactly what it does. I mean, that's exactly and all I 1631 02:11:46.600 --> 02:11:52.319 know is it works. Yeah, okay, so I don't know how you 1632 02:11:52.359 --> 02:11:56.279 get over it. But again, congratulations, because if I ever went to 1633 02:11:56.319 --> 02:11:58.840 one of these men's clinics, I say, I never went to one. 1634 02:11:58.399 --> 02:12:01.720 I heard the commercials, but can you imagine if I walked in and they 1635 02:12:01.720 --> 02:12:03.720 said, oh, by the way, here's what we have to do. 1636 02:12:05.159 --> 02:12:07.880 I'm thinking, what I mean, I never even dreamed of that. I 1637 02:12:09.000 --> 02:12:11.399 never even heard about it. I think, who was it that somebody told 1638 02:12:11.439 --> 02:12:13.439 me about it? And said, you know what that is, right? 1639 02:12:13.439 --> 02:12:16.199 And I said what those commercials? You know what they are? They're injections 1640 02:12:16.239 --> 02:12:22.039 And I said really, but but doctor Cherdak, you guys, so you 1641 02:12:22.159 --> 02:12:26.319 do testosterone too, right, Yes, and you do a testosterone along with 1642 02:12:26.399 --> 02:12:28.800 sema glue tide, you do, you know, so you do the weight 1643 02:12:28.880 --> 02:12:33.720 loss, you do the stem cell therapy, even hair therapy, the PRP 1644 02:12:33.840 --> 02:12:37.840 and stem cells for hair growth. So basically anything to do with the hormones 1645 02:12:37.840 --> 02:12:41.600 and the regenerative minds, regenerative medice the right. So I did not know 1646 02:12:41.680 --> 02:12:48.199 you did those injections though, And how the heck do you do you teach 1647 02:12:48.239 --> 02:12:50.239 people? How do they get over it? Do you get the same reaction 1648 02:12:50.359 --> 02:12:54.239 this ew? We do? And it's pretty rare that we have those patients 1649 02:12:54.279 --> 02:12:58.199 that need that service. Yeah. Primarily the patients that we have are on 1650 02:12:58.640 --> 02:13:03.000 you know, your generic Biagora, your generic Cialis and things like that. 1651 02:13:03.359 --> 02:13:07.279 But in the rare cases where those products don't work, the injection is the 1652 02:13:07.319 --> 02:13:11.319 next step up from that. All right? Three oh three seven one three 1653 02:13:11.399 --> 02:13:16.840 talk three all three seven one three eight two five five go with a sure 1654 02:13:16.960 --> 02:13:22.479 thing Denver's Best Roofer Excel roofing dot com. You don't pay a cent until 1655 02:13:22.520 --> 02:13:30.039 you're content. Time for an insurance check up free, no obligation comparison call 1656 02:13:30.159 --> 02:13:35.119 Compass Insurance paying too much your coverage at dozens of insurance companies find out Now 1657 02:13:35.199 --> 02:13:39.039 three oh three seven seven to one help. You'll think you're his only customer 1658 02:13:39.079 --> 02:13:41.680 when you choose Frank durand the real estate Man dot com to list your home 1659 02:13:41.920 --> 02:13:52.680 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 1660 02:13:52.720 --> 02:13:56.560 Martino, your troubleshooter three oh three seven one three talks seven one three eight 1661 02:13:56.600 --> 02:14:03.279 two five five finish out the show with Denver Regen dot com. And we 1662 02:14:03.279 --> 02:14:07.119 were talking about we got off on some crazy stuff today, but that's okay. 1663 02:14:07.159 --> 02:14:09.600 We can talk about anything we want. All you have to do is 1664 02:14:09.640 --> 02:14:13.279 call us at three zero three seven one three talk seven one three eight two 1665 02:14:13.319 --> 02:14:22.000 five five. So here's the dam. Here's the thing is if you want 1666 02:14:22.159 --> 02:14:26.319 to do this semiglue tide, that's what they're doing, okay, and they're 1667 02:14:26.359 --> 02:14:31.479 doing it cheaper than anyone. And I say cheaper is cheaper. Two hundred 1668 02:14:31.520 --> 02:14:35.880 and fifty bucks a month is pretty low cost. The Church Sepside Church's eppetite 1669 02:14:35.960 --> 02:14:41.279 is a little more, but it's well worth it. And they also, 1670 02:14:41.359 --> 02:14:45.920 of course, as we heard, do other services for men, uh for 1671 02:14:46.079 --> 02:14:50.520 you know, testosterone treatments or for hair growth to thickening hair, all kinds 1672 02:14:50.560 --> 02:14:54.920 of stuff. Stem cells, And we don't talk about stem cells a lot, 1673 02:14:54.960 --> 02:14:58.159 but I just want to touch on that a bit. Stem cell therapy 1674 02:14:58.199 --> 02:15:03.479 is still going strong, and of course we've been shifting our advertising with you 1675 02:15:03.960 --> 02:15:07.199 more toward the weight loss thing because it's such a hot commodity. But I 1676 02:15:07.279 --> 02:15:11.800 can't help but say how that stem cell therapy helped me. In fact, 1677 02:15:11.840 --> 02:15:16.399 I'll tell you what. I came so close Joel to not doing the surgery. 1678 02:15:16.600 --> 02:15:20.039 The reason I did a surge, I told people I had nothing to 1679 02:15:20.039 --> 02:15:22.720 do with pain at that point. It had to do with the point that 1680 02:15:22.479 --> 02:15:30.119 my bone was so far gone that I opted for that implant. But had 1681 02:15:30.119 --> 02:15:33.119 it not been because what my doctor said was, I'm so happy you're out 1682 02:15:33.159 --> 02:15:35.600 of pain, And he said it must have been stem cells because we didn't 1683 02:15:35.600 --> 02:15:39.600 do anything and I was off all drugs, all pain, and then I 1684 02:15:39.840 --> 02:15:43.479 opted for that because what he said is when you get into your if you're 1685 02:15:43.520 --> 02:15:46.760 fortunate enough to live to eighty or more. You know, this is gonna 1686 02:15:46.800 --> 02:15:52.079 be a problem now. I imagine with stem cells there are people who are 1687 02:15:52.119 --> 02:15:56.800 just too far gone. But no matter, I can't believe with the amount 1688 02:15:56.880 --> 02:16:01.479 of deterioration I had that it took the pain. I just can't. I 1689 02:16:01.640 --> 02:16:05.960 always tell you that that I was blown away by it. Yeah, well, 1690 02:16:05.000 --> 02:16:07.960 you know in your case, and we talked about that. You know, 1691 02:16:07.000 --> 02:16:11.479 you were at a pretty severe issue with your back. You guys were 1692 02:16:11.479 --> 02:16:13.880 honest with me saying, yeah, we can get rid of your pain maybe, 1693 02:16:13.920 --> 02:16:16.960 but we're not gonna get rid of that condition, right. And we 1694 02:16:16.039 --> 02:16:20.319 have patients with all levels of degenerate arthritis and other conditions and their joints, 1695 02:16:20.520 --> 02:16:24.399 and we'll be honest with them and tell them, you know, based on 1696 02:16:24.439 --> 02:16:28.319 our experience, what percentage of improvement we believe that they'll so experience. But 1697 02:16:28.479 --> 02:16:33.959 it never ceases to amaze me as well, how bad somebody's deterioration can be 1698 02:16:33.079 --> 02:16:37.000 and we can eliminate the pain. Here's why you don't get credit. Maybe 1699 02:16:37.719 --> 02:16:43.040 it happened three months later gradually, and I was out of pain. And 1700 02:16:43.079 --> 02:16:48.559 then I said to my wife, I'm out of pain, man, And 1701 02:16:48.600 --> 02:16:52.760 she said don't you remember because she was with me? Right? She don't 1702 02:16:52.760 --> 02:16:56.159 you remember we were there? You got stem cell? I mean, I 1703 02:16:56.840 --> 02:17:01.280 joel. It sometimes is so subtle afterwards, people aren't connecting it with the 1704 02:17:01.319 --> 02:17:05.639 treatment. They're expecting your treatment to work two weeks later. In some cases 1705 02:17:05.639 --> 02:17:07.239 it does well. Okay, okay, you know, it's just it really 1706 02:17:07.239 --> 02:17:11.280 depends on the patient. We tell patients, you know, it takes about 1707 02:17:11.639 --> 02:17:15.600 thirty days before you start really noticing some significant effects. But that being said, 1708 02:17:15.600 --> 02:17:16.840 we have a thirty to ninety I would say, right, is not 1709 02:17:18.000 --> 02:17:20.239 unusual? Or is that too way longer? It also is dependent on the 1710 02:17:20.239 --> 02:17:22.959 body part two. Oh, so the lower back because there's not as much 1711 02:17:24.000 --> 02:17:26.040 blood flow as there are to take long the other joints. It does take 1712 02:17:26.120 --> 02:17:30.959 longer for people to notice results. But we're talking about a knee or a 1713 02:17:31.000 --> 02:17:33.920 hip, which are our bread and butter joints. I have a silly question, 1714 02:17:33.079 --> 02:17:35.479 and again this is a silly question. We're running out of time. 1715 02:17:35.559 --> 02:17:37.959 So I was thinking, you know, I work out, I still get 1716 02:17:37.959 --> 02:17:41.879 ags and pains. Everyone does, right, Can it help with normal ags 1717 02:17:41.920 --> 02:17:45.879 and pains? Or you don't recommend it? It's only for deteriorated condition. 1718 02:17:45.959 --> 02:17:48.840 No, absolutely. The sooner you get on top of regenerating your joints, 1719 02:17:48.840 --> 02:17:52.319 the less pain you have to obture, and the less degeneration you're Denverregen dot 1720 02:17:52.360 --> 02:17:54.879 com. We're out of time. By the way, thanks for being here. 1721 02:17:54.959 --> 02:17:58.120 Back here tomorrow and remember three all three seven one three talk no better 1722 02:17:58.159 --> 02:18:03.360 yet. Three oh three Martino three O three Martino for help, information and referrals.