WEBVTT 1 00:00:00.760 --> 00:00:14.080 Yeah, ripped off. You need advice so you don't have come Runing's just 2 00:00:14.160 --> 00:00:20.960 as fast as we can. Shoot's gonna help coming man. This is 3 00:00:21.000 --> 00:00:27.839 the Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, Welcome 4 00:00:27.960 --> 00:00:32.280 to the show. Three all three seven one three talk three all three seven 5 00:00:32.359 --> 00:00:37.479 one three eight two five five. What's happening in your life? What can 6 00:00:37.520 --> 00:00:41.000 we do for you? I asked this every day, well every weekday, 7 00:00:41.119 --> 00:00:45.799 so thanks for joining me. This is the show where we try to find 8 00:00:45.840 --> 00:00:48.240 common ground, which is we don't want to be lied to, cheated, 9 00:00:48.320 --> 00:00:53.079 or ripped off. We try to stay out of the bull crap, but 10 00:00:53.159 --> 00:00:57.479 get into the everyday aches and pains, the things that make us tick, 11 00:00:57.560 --> 00:01:00.640 the things that tick us off. I think we can all agree, no 12 00:01:00.679 --> 00:01:07.480 one wants to get ripped off. Right now, since we last talked to 13 00:01:07.519 --> 00:01:12.480 this man, Paul, the water Man, I will say that, uh 14 00:01:14.359 --> 00:01:21.560 Paul had some uh some issues with the bottled water, but he never knew 15 00:01:21.599 --> 00:01:23.879 it was as bad as he thought it was. I mean, excuse me, 16 00:01:25.000 --> 00:01:30.319 worse than he thought it was. We just talked about it since he's 17 00:01:30.359 --> 00:01:33.879 been here last Paul, real quick, we'll go over this. We'll take 18 00:01:33.959 --> 00:01:40.400 other calls about anything, but Paul's with waterpros dot net. Paul. They 19 00:01:40.519 --> 00:01:48.280 found microplastics in basically all bottled water, microplastics, nanoplastics, and all major 20 00:01:48.319 --> 00:01:53.159 brands of bottle water. Absolutely, so can we not have plastic containers? 21 00:01:53.200 --> 00:01:57.400 I mean what does that say for our foods and stuff? Like? What 22 00:01:57.480 --> 00:02:01.159 tell me what does plastic leach into everything? Everything? It's also they also 23 00:02:01.239 --> 00:02:07.959 have the chemical that's in plastic coating and wrapping are produced and vegetables that we 24 00:02:07.000 --> 00:02:12.840 get at the supermarket. Uh, that that's also contaminating our food. This 25 00:02:12.919 --> 00:02:16.120 is that what I call an environmental it's all over everything. And so these 26 00:02:16.199 --> 00:02:23.560 nanoplastics are getting into plants and vegetation, you know, the animals that we 27 00:02:23.639 --> 00:02:27.520 eat and consume. It's in our bottle water. Microplastics showed up in every 28 00:02:28.039 --> 00:02:32.560 major you know bottle excuse me water bodying in the state of Colorado. It's 29 00:02:32.560 --> 00:02:38.080 microplastics are in our snow. And so this is this is something really serious 30 00:02:38.120 --> 00:02:42.039 and in the La Times did an article back in the eighth of January, 31 00:02:42.080 --> 00:02:46.680 and then if you google this, you'll see other scientists are concerned that these 32 00:02:46.719 --> 00:02:52.439 plastics can penetrate the body at a cell of your level. Well, this 33 00:02:52.520 --> 00:02:58.159 is this is crazy. Three oh three seven one three talk three oh three 34 00:02:58.360 --> 00:03:04.560 seven one three eight two five. Okay, this is something. If you're 35 00:03:04.560 --> 00:03:07.080 concerned about give us a call. But the only thing you can do is 36 00:03:07.120 --> 00:03:15.719 filtration. That's really all you can do. And we have people, uh 37 00:03:15.240 --> 00:03:17.360 well, we had people online. If you want to give us a call, 38 00:03:17.400 --> 00:03:22.840 the number is three oh three seven one three talk three oh three seven 39 00:03:22.919 --> 00:03:27.120 one three eight two five five. Mark. I understand you just got a 40 00:03:27.159 --> 00:03:31.599 water system. I did. We finally bit the bullet and got a softener 41 00:03:31.599 --> 00:03:36.240 from Paul. Sus loves it, she said, he absolutely does. I'm 42 00:03:36.280 --> 00:03:38.000 starting to like it too. You know what it does that You got to 43 00:03:38.039 --> 00:03:42.360 get used to it, don't you. Yeah, it kind of at first 44 00:03:42.400 --> 00:03:46.039 I think it's kind of slimy, and I know that's what people say. 45 00:03:46.080 --> 00:03:49.960 It's that softness. But then you get used to it and it's great for 46 00:03:50.039 --> 00:03:55.039 the skin. It's unbelievable for the skin. You need less soap. And 47 00:03:55.280 --> 00:04:00.039 really now I wish I wish Paul told me to run it for a little 48 00:04:00.080 --> 00:04:04.319 bit though, because when I first used it after at first I wasn't here 49 00:04:04.400 --> 00:04:08.680 when they installed it. So I got home and I turned it on and 50 00:04:08.759 --> 00:04:12.000 my glass of water looked foggy, and I was lolling, what the hell's 51 00:04:12.080 --> 00:04:14.479 this? So I called up Paul and he's like, oh, just run 52 00:04:14.479 --> 00:04:16.240 it for two minutes. But it's been great. I mean, I wish 53 00:04:16.279 --> 00:04:20.560 we did it a long time ago, it really is. Anyway, Frank 54 00:04:20.639 --> 00:04:26.160 has a debt collection issue. High Frank, Hi, how are you good? 55 00:04:26.199 --> 00:04:29.759 What's going on? Frank? Well, I was a Thursday. Last 56 00:04:29.839 --> 00:04:36.000 Thursday, at seven twenty eight in the morning, I get a call ask 57 00:04:36.120 --> 00:04:40.720 me with some money for my debt, and I said, well, first 58 00:04:40.759 --> 00:04:46.399 of all, I sent them a letter asking them to explain the ridiculous accounting 59 00:04:47.199 --> 00:04:50.600 procedures. Okay, first and foremost, let's take it one sip at a 60 00:04:50.600 --> 00:04:57.399 time. The debt they're talking about. Is it something you recall? Yes? 61 00:04:58.040 --> 00:05:04.560 What is it? It's it's payment for physical therapy Okay, okay, 62 00:05:04.959 --> 00:05:12.279 And this is self pay physical therapy or copay. It was copay with my 63 00:05:12.399 --> 00:05:17.560 insurance. That at least that's what I thought. And you actually actually let 64 00:05:17.600 --> 00:05:20.959 me put it this way. The insurance can be paid for the first six 65 00:05:21.040 --> 00:05:27.720 sessions. That's always been my understanding. I've had this done several times over 66 00:05:27.759 --> 00:05:31.800 the years, and it's never been a problem. But it actually it's turning 67 00:05:31.839 --> 00:05:35.680 into a long story. Well okay, but when you when you did you 68 00:05:35.759 --> 00:05:41.439 take more than six sessions? In other words, you're not disputing the bill, 69 00:05:41.519 --> 00:05:45.319 are you? Or are you? Well, I don't know what the 70 00:05:45.360 --> 00:05:48.839 bill is. They've never given me a bill, and I mean, just 71 00:05:49.199 --> 00:05:55.920 wait, they just say you directly. They just sent you directly. Okay, 72 00:05:56.199 --> 00:06:01.040 collections. No, I don't Yes, I don't know. And you 73 00:06:01.160 --> 00:06:03.680 caught me at a wrong time. Well, Frank, you called me, 74 00:06:03.759 --> 00:06:09.199 So let me get it this way. When you had when you had this 75 00:06:09.279 --> 00:06:14.120 physical therapy, when was this physical therapy done? And during the last summer? 76 00:06:14.560 --> 00:06:19.399 Okay, now, now, when you had it done, did you 77 00:06:19.560 --> 00:06:23.839 know there would be a bill or there would be a charge of any kind? 78 00:06:24.720 --> 00:06:29.959 No, how many sessions? Did you have? Six? But you 79 00:06:30.079 --> 00:06:34.879 thought the insurance would pay for those? Yes, okay, I got it. 80 00:06:35.480 --> 00:06:43.920 So you had six six pt sessions and then you never got a bill 81 00:06:44.000 --> 00:06:48.319 and the first you heard about it was this collection. No, I've gotten 82 00:06:48.480 --> 00:06:57.480 bills, but without any nothing is on the bill that makes sense. I 83 00:06:57.560 --> 00:07:02.120 gotten bills just with a payment, just like just what did it say like 84 00:07:02.279 --> 00:07:09.160 six PT sessions and a lump sum or what that's a lump sum and alump 85 00:07:09.240 --> 00:07:13.600 sum et sessions? Either I have the bills? How much? Well, 86 00:07:13.639 --> 00:07:18.399 how much is the bill? It's two hundred and ten dollars. Then that's 87 00:07:18.439 --> 00:07:25.879 pretty chap. That's pretty cheap. I guess that's the code payments. But 88 00:07:26.000 --> 00:07:30.199 I didn't know I had cod payments and I didn't know anything about it till 89 00:07:30.240 --> 00:07:39.000 the sixth session when the therapist told me I owed six sessions. And I 90 00:07:39.040 --> 00:07:42.000 said, well, wait a minute, I'm not I didn't know that that 91 00:07:42.199 --> 00:07:45.199 was That's up to you to know, Frank, that's the unfortunate park. 92 00:07:45.360 --> 00:07:51.040 You're responsible for it, Okay, I said, well send me the bill. 93 00:07:51.240 --> 00:07:54.600 Yes, I said, I would take it to my insurance company. 94 00:07:55.000 --> 00:08:00.759 But there's co pays. Don't go through your insurance company. That's what you 95 00:08:00.879 --> 00:08:03.600 pay. No, I had a copay. It doesn't matter if you knew 96 00:08:03.680 --> 00:08:07.680 or not. If you do have one, you owe it. That's what 97 00:08:07.720 --> 00:08:11.120 I'm trying to tell you. It's easiest to just pay it. You owe 98 00:08:11.160 --> 00:08:16.319 the copay. And that sounds about right. Six sessions, two hundred and 99 00:08:16.319 --> 00:08:22.920 ten dollars. What is your resistance to paying it because I asked so bill 100 00:08:22.959 --> 00:08:28.839 and they sent me a bill and it's got double days on all the bills, 101 00:08:30.079 --> 00:08:33.360 and they don't It doesn't add up to that. Ellly adds up to 102 00:08:33.399 --> 00:08:39.000 one hundred and ten. Okay, So you think they overbilled you, Yes, 103 00:08:39.080 --> 00:08:43.360 but that's not even the problem. The problem is they called me at 104 00:08:43.399 --> 00:08:50.679 seven twenty eight in the morning. Okay. Collectors end the problem. Collectors. 105 00:08:50.799 --> 00:08:56.399 The fair deck collection practice allows them to call during certain hours and if 106 00:08:56.440 --> 00:09:03.200 you tell them to no longer contact you phone if you if you make that 107 00:09:03.360 --> 00:09:07.039 explicit, then they will do it by mail and serve you for court. 108 00:09:07.639 --> 00:09:09.840 But Frank, here's what I'm going to tell you. Okay, if they 109 00:09:09.919 --> 00:09:13.639 are misbilling you and over billing you, you shouldn't have to pay those. 110 00:09:13.879 --> 00:09:18.200 But you're definitely going to have to pay a copay for whatever ones that were 111 00:09:18.240 --> 00:09:22.759 accurate. How you think they overestimated what you owe by one hundred dollars. 112 00:09:22.840 --> 00:09:28.000 So they're claiming you had sessions when you did not. They have sessions double 113 00:09:28.039 --> 00:09:31.279 billing me on the same day. I get it. I get it. 114 00:09:31.320 --> 00:09:37.440 Is it possible that you had two different kinds of therapy that day? Because 115 00:09:37.679 --> 00:09:41.759 what they do is under it. Go ahead. It's always been the same 116 00:09:41.799 --> 00:09:46.480 thing. It's like a routine. Okay. Now, did you ask the 117 00:09:46.519 --> 00:09:52.080 clinic why there were double billings on certain days? No, well don't. 118 00:09:52.159 --> 00:09:58.159 I stopped going after that. After when I got that last bill, okay, 119 00:09:58.159 --> 00:10:01.720 Frank, after time I talked to the guy there. Okay, so 120 00:10:01.799 --> 00:10:05.799 I stopped going. I got a new I've gotten oop places and it's been 121 00:10:05.919 --> 00:10:09.639 fine. Okay, got it, Frank. Now back on that old one, 122 00:10:09.720 --> 00:10:15.240 okay. To keep it from getting complicated. What you should? And 123 00:10:15.639 --> 00:10:18.360 I know you didn't like them calling. Did you tell them not to no 124 00:10:18.440 --> 00:10:22.840 longer call you and to take you to court? Not at seven twenty eight 125 00:10:22.960 --> 00:10:26.120 in the morning. I know I was hardly awake. I'm still hardly awake. 126 00:10:26.159 --> 00:10:28.320 Now. Well, when they call you next time, tell them you 127 00:10:28.399 --> 00:10:31.240 no longer want to be contacted by phone. But it's it's like I looked 128 00:10:31.240 --> 00:10:35.120 it up and they're not supposed to call until eight o'clock at the at the 129 00:10:35.200 --> 00:10:41.240 best, okay, at the earliest. Frank. All I'm saying is you 130 00:10:41.240 --> 00:10:45.759 can tell them not to call you at all. The fact that they called 131 00:10:45.759 --> 00:10:48.559 you at seven twenty and not eight o'clock I'm going to give you some truth 132 00:10:48.639 --> 00:10:52.120 right now. No one cares and no one will do anything about it. 133 00:10:52.600 --> 00:10:56.159 That's just life, Okay, no one will. So you're wasting your time 134 00:10:56.480 --> 00:11:00.799 because they killed early. Now I think it sucks. Yes, I do. 135 00:11:01.399 --> 00:11:05.000 Collectors break the law all the time unless it's egregious and it keeps happening. 136 00:11:05.000 --> 00:11:09.679 What I would do if ira you is simply tell them to no longer 137 00:11:09.759 --> 00:11:13.279 call you to deal with it in the courts. That's it. You're that's 138 00:11:13.320 --> 00:11:18.399 your right now. As far as the double billing, I would call the 139 00:11:18.440 --> 00:11:24.720 billing department at the physical therapy place and I would tell them to look at 140 00:11:24.720 --> 00:11:30.039 the double billing dates and adjust them and you'll gladly pay it. Three oh 141 00:11:30.080 --> 00:11:35.960 three seven one three eight two five five eight eight eight Heating dot com High 142 00:11:35.960 --> 00:11:41.120 efficiency heating and air for what you want for your system. And I'm going 143 00:11:41.200 --> 00:11:45.159 to tell you something. They have great prices going in and you're gonna save 144 00:11:45.399 --> 00:11:50.240 each and every month. Three oh three seven seven zero two seven seven six 145 00:11:54.200 --> 00:11:58.440 go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 146 00:11:58.440 --> 00:12:05.480 pay us SEX until you're content. Time for an insurance check up free no 147 00:12:05.519 --> 00:12:11.440 obligation. In comparison, call Compass insurance paying too much your coverage at dozens 148 00:12:11.440 --> 00:12:15.159 of insurance companies find out now three oh three seven seven to one help. 149 00:12:15.320 --> 00:12:18.120 You'll think you're his only customer when you choose Frank durand the real estate man 150 00:12:18.159 --> 00:12:22.600 dot com to list your home with Remax Alliance three all three nine two zero 151 00:12:22.759 --> 00:12:35.919 sixteen twenty two. Hi Tom Martino here three oh three seven one three talk 152 00:12:37.000 --> 00:12:41.399 three oh three seven one three eight two five five. I want to mention 153 00:12:41.519 --> 00:12:48.799 something about health insurance. We are responsible to know what we're responsible for. 154 00:12:50.000 --> 00:12:56.080 It's that simple. There is no ignorance of our plan nor the provider not 155 00:12:56.159 --> 00:13:00.919 telling you. Pre authorizations are different. If you can prove you got a 156 00:13:00.919 --> 00:13:05.720 pre off and they didn't stick by it, that's a breach. But I'm 157 00:13:05.720 --> 00:13:09.519 going to tell you something else. If you have a problem with the provider 158 00:13:09.600 --> 00:13:13.200 and it's billing, then you have to talk to them before it goes to 159 00:13:13.240 --> 00:13:16.120 collection. And if it goes to collection and you still have a problem, 160 00:13:16.279 --> 00:13:22.600 offer to pay at least some of it. Michael has a comment on plastics. 161 00:13:22.639 --> 00:13:26.480 Go ahead, Michael, what is your comment? Yeah? Hi, 162 00:13:26.240 --> 00:13:30.440 First of all, I'm not associated with a company I'm going to talk about 163 00:13:30.759 --> 00:13:33.720 at all. I have a friend that does consulting with them on the investment 164 00:13:33.799 --> 00:13:43.879 side. But they're called RWDC Industries and they're US based, and they are 165 00:13:43.960 --> 00:13:50.039 they're coming out with products. I just don't know if they're doing plastic bodels, 166 00:13:50.240 --> 00:14:00.840 but cavalry things like that for the food service industry, fabric or well, 167 00:14:01.120 --> 00:14:05.799 what does rw DC do that I should have said that first. I 168 00:14:05.799 --> 00:14:15.080 apologize. They are making a fully biodegradable product that will replace single use plastic 169 00:14:16.080 --> 00:14:20.840 and it's quite incredible from everything I've read about them, and they put out 170 00:14:20.000 --> 00:14:24.159 a little three and a half minute video that was really the reason I was 171 00:14:24.159 --> 00:14:26.200 calling was to get that to you, and I just didn't want to waste 172 00:14:26.240 --> 00:14:31.480 your time when I don't have much more knowledge than that. Okay, now, 173 00:14:31.519 --> 00:14:35.840 how did you find out about it? Well, my friend that does 174 00:14:35.879 --> 00:14:43.360 the consulting work with them on the investment side has kept me abreast of materials 175 00:14:43.360 --> 00:14:48.679 that they put out as far as marketing not marketing materials, and then came 176 00:14:48.679 --> 00:14:54.039 out within the last couple of weeks that again, I'm fascinated by it as 177 00:14:54.080 --> 00:14:56.720 a non technical person, but someone that wants to see something like this come 178 00:14:56.759 --> 00:15:05.120 out that we'll get rid of all this plastic. It's called Solon s O 179 00:15:05.399 --> 00:15:13.720 L Yes, Solon Solon supposedly s O L O N is the trademarked environmentally 180 00:15:13.799 --> 00:15:20.840 safe product. They say, and is it is? It's It's in Georgia, 181 00:15:20.919 --> 00:15:22.639 right, I'm looking it up. It's in Georgia. Yeah, they're 182 00:15:22.840 --> 00:15:26.200 outside of Atlanta. It may be Athens, I can't remember, but it's 183 00:15:26.200 --> 00:15:33.000 in it is it is Athens, Georgia. So were you interested in it 184 00:15:33.039 --> 00:15:39.399 from an environmental standpoint or an investment standpoint? Environmental? Totally. I'm not 185 00:15:39.480 --> 00:15:45.639 one that would be in stig into anything. I know that they're in their 186 00:15:45.679 --> 00:15:50.519 second or third round of raising. I think there it'll be nice when companies 187 00:15:50.600 --> 00:15:54.559 like that actually get their costs down and can produce a product that works. 188 00:15:54.720 --> 00:15:56.519 He ever had a fake straw? My god, man, if they sit 189 00:15:56.600 --> 00:16:00.919 in something hot for two minutes, they melt. You say fake, You 190 00:16:02.000 --> 00:16:06.399 mean like a recycled attempt marker at the paper. It's not recycled plastic. 191 00:16:06.480 --> 00:16:10.240 It's like what you find it as Starbucks. I mean it's like they melt. 192 00:16:10.320 --> 00:16:14.279 I don't know how else to put it. They only work here's the 193 00:16:14.360 --> 00:16:18.840 thing, Melt, I'm the uh. It is difficult. It really is 194 00:16:19.000 --> 00:16:29.480 difficult to to to to make something that is both environmentally safe and efficient to 195 00:16:29.559 --> 00:16:33.879 produce. That's why we've gotten these shortcuts that have gotten us into trouble. 196 00:16:33.279 --> 00:16:38.080 I mean that's why because they were cheaper and fast, just like asbestos was 197 00:16:38.240 --> 00:16:44.679 just like everything everything. It's almost like everything that's bad is easy to produce, 198 00:16:44.840 --> 00:16:51.200 and and that's why they do it. And it's easier and cheaper anyway. 199 00:16:51.360 --> 00:16:53.960 So so thank you though for telling us about it. We'll look into 200 00:16:55.000 --> 00:16:59.519 it. One of the things that it's really important to talk about too. 201 00:17:00.039 --> 00:17:03.799 He was just talking about this investing. Let me just explain something to you 202 00:17:03.879 --> 00:17:07.440 since I've really gotten involved in the investment world over the last two years, 203 00:17:07.440 --> 00:17:12.640 for five years basically, but gradually, this is something mark. This is 204 00:17:12.640 --> 00:17:18.759 something that I found, especially when it comes to medical research, especially in 205 00:17:18.799 --> 00:17:25.960 cancer, but it happens in all sectors of stocks. And this is scary 206 00:17:26.039 --> 00:17:30.880 these initial rounds of raising money. Like let's say, let's say this company. 207 00:17:30.920 --> 00:17:33.799 I'm not saying it's happening with this company, but let's say a company 208 00:17:33.839 --> 00:17:41.880 develops something really revolutionary and they'll form an entity to raise funds, and this 209 00:17:42.200 --> 00:17:51.920 entity, let's say, is licensed by this company that's making the plastic, 210 00:17:52.039 --> 00:17:56.079 let's say, but that entity has no long term agreement. A lot of 211 00:17:56.079 --> 00:18:04.440 people get excited about concepts and invest in entities that are initially involved, and 212 00:18:04.480 --> 00:18:11.839 they do that almost to have risk free money. They don't ever have to 213 00:18:11.839 --> 00:18:18.359 pay back because they simply dissolve that company and the original company with the product 214 00:18:18.440 --> 00:18:23.000 license licenses a new company, or they sell to a new company. It's 215 00:18:23.279 --> 00:18:30.119 really weird, how IPOs or not necessarily even IPOs, but capital raising can 216 00:18:30.200 --> 00:18:36.559 screw the hell out of people in the initial stages. That's just, you 217 00:18:36.559 --> 00:18:40.920 know, something as an aside three oh three seven to one three eight two 218 00:18:40.960 --> 00:18:45.960 five five, just beware of that when it comes to startups. Especially Frank 219 00:18:45.079 --> 00:18:52.640 Duran, the real estate man, does market analysis of your home to let 220 00:18:52.680 --> 00:18:55.160 you know what it will sell for. Do you know how important that is 221 00:18:55.200 --> 00:18:57.519 now? Because there are so many different factors involved. You want to know 222 00:18:57.559 --> 00:19:00.599 what your house will sell for. You don't have to list it to find 223 00:19:00.640 --> 00:19:06.480 out. In fact, there's no obligation, and he'll do an accurate assessment 224 00:19:06.519 --> 00:19:11.599 three oh three nine two zero sixteen twenty two Frank durand the real Estateman dot 225 00:19:11.640 --> 00:19:19.960 com. Go with a sure thing Denver's best roofer Excel Roofing dot com. 226 00:19:19.960 --> 00:19:26.559 You don't pay a cent until you're content. Wait time for an insurance check 227 00:19:26.640 --> 00:19:33.240 up free no obligation comparison call Compass Insurance Paying too much your coverage at dozens 228 00:19:33.240 --> 00:19:36.960 of insurance companies find out now three oh three seven to seven to one help. 229 00:19:37.119 --> 00:19:40.839 You'll think you're his only customer when you choose Frank durand the real Estateman 230 00:19:40.960 --> 00:19:45.400 dot com to list your home with Remax Alliance three oh three nine two zero 231 00:19:45.559 --> 00:19:56.880 sixteen twenty two most General. Hi Tom Martino, your troubleshooter three O three 232 00:19:56.000 --> 00:20:02.119 seven one three talks seven one three eight five to five. Okay. So, 233 00:20:03.200 --> 00:20:07.759 really, when it comes to when it comes to these kinds of issues 234 00:20:07.759 --> 00:20:14.640 that we've been talking about with debt collection, I just want to make another 235 00:20:14.720 --> 00:20:18.319 statement because it's really important never ignore them. Okay, Dylan, what's going 236 00:20:18.359 --> 00:20:22.240 on with you? Hello Dylan? I'm Tom Martine. Hi, Hi Tom, 237 00:20:22.279 --> 00:20:26.519 this is done. Hey Tom, because I've been having some plumbing issues 238 00:20:26.519 --> 00:20:29.480 at my house ever since I moved in two years ago. Now, is 239 00:20:29.519 --> 00:20:34.279 this the home that you own, it's a condo and I'm in the basement. 240 00:20:36.039 --> 00:20:41.720 Okay, Now what kind of plumbing issues? Like I'm constantly having backup 241 00:20:41.759 --> 00:20:45.480 issues to where I have. Now, when you say it's a condo in 242 00:20:45.519 --> 00:20:48.119 the basement, do you mean the basement of your condo or the condo is 243 00:20:48.160 --> 00:20:52.519 on the garden level. Yeah, I mean that it's a three story condo 244 00:20:52.759 --> 00:20:56.079 or two story condo. There's two units above me and I'm in the basement. 245 00:20:59.119 --> 00:21:04.559 Okay, So this building has three condos in it. It's got actually, 246 00:21:04.680 --> 00:21:11.400 uh, those are the two above me, and then I have two 247 00:21:11.039 --> 00:21:15.319 to the side that go up the garden level and one above it. And 248 00:21:15.359 --> 00:21:18.200 then so you are literally it's not a walkout or anything. Are you totally 249 00:21:18.240 --> 00:21:25.039 subterranean? Yes? Okay, So anyway, how do you get your light 250 00:21:25.119 --> 00:21:30.119 from window wells? Yes? Okay, So continue, I'm sorry, thank 251 00:21:30.200 --> 00:21:33.480 you, No, No, that's okay. So the last two years, 252 00:21:33.519 --> 00:21:37.400 I've just like it's like every three months or so, I will have backup 253 00:21:37.440 --> 00:21:42.720 issues and it's always getting put on me. And I'm wondering if there's you're 254 00:21:42.759 --> 00:21:49.839 talking about sewer backup issues? Yes, do well, it depends does this 255 00:21:51.000 --> 00:21:56.599 building in this one building how many total units are there in this one building? 256 00:21:56.720 --> 00:22:03.519 Just three or more in this building. In this building there are I'm 257 00:22:03.519 --> 00:22:07.200 trying to count in my head, there's about eight. Do you all have 258 00:22:07.319 --> 00:22:14.519 the same service line? According to my HOA president, the only ones that 259 00:22:14.599 --> 00:22:22.200 are on my service line are the two above me. Okay, okay. 260 00:22:22.279 --> 00:22:27.160 So now what that means is it's not your problem alone, and the HOA 261 00:22:27.319 --> 00:22:32.799 should have regulations or rules dealing with it. They should help you with this. 262 00:22:32.799 --> 00:22:37.240 This is not a your problem unless they traced it to you. See, 263 00:22:37.279 --> 00:22:41.480 now, let me explain something. Each of those condos would have a 264 00:22:41.519 --> 00:22:48.240 service line, okay, And the service line in a house is easy to 265 00:22:48.319 --> 00:22:52.039 demark because it goes from the tap from the sewer tap into the house. 266 00:22:52.079 --> 00:22:59.359 That's your service line. Now your condo is weird. You have a service 267 00:22:59.440 --> 00:23:03.400 line for the building, okay, that goes out to the main but then 268 00:23:03.440 --> 00:23:07.920 when it gets to the building, then you have sub service lines for each 269 00:23:08.079 --> 00:23:15.759 condo. Usually it depends on how it's plumbed. But if it was traced 270 00:23:15.079 --> 00:23:21.720 to write at your toilet or something or something you did, that's different. 271 00:23:22.440 --> 00:23:26.440 But usually that's not the case. But you're gonna have to do some some 272 00:23:27.480 --> 00:23:34.440 exploring, some investigation to find out is the HA denying any responsibility? Uh 273 00:23:34.559 --> 00:23:38.440 yeah for the most part. So and do the other two condos just turn 274 00:23:38.519 --> 00:23:44.559 their you know, just hide their heads, yes, basically, like because 275 00:23:44.759 --> 00:23:47.319 you know they're not the ones having to pay for it. So this is 276 00:23:47.440 --> 00:23:49.960 terrible. I mean, you have to tell you're gonna have to build the 277 00:23:51.000 --> 00:23:55.480 caser. You have to you have to discern why it's happening, and if 278 00:23:55.480 --> 00:24:00.440 it's in the building's service line and you're getting a backup simply because us you're 279 00:24:00.480 --> 00:24:03.880 on the lower floor, you have to do something about it. But you're 280 00:24:03.880 --> 00:24:07.319 going to have to do this work, this leg work. I mean, 281 00:24:07.359 --> 00:24:10.880 I'd love to help you, but I can't help you because they're gonna say 282 00:24:10.920 --> 00:24:15.319 you're clogging your drains until you tell them you're not. Where do you think 283 00:24:15.359 --> 00:24:18.799 the clogs are coming from? Have you ever had a camera, camera camera 284 00:24:18.839 --> 00:24:23.720 inspection. That's a weird word camera, But I have had a scope. 285 00:24:23.799 --> 00:24:27.359 Yes, I've had a better word. And what did they tell you? 286 00:24:29.640 --> 00:24:34.000 They went out and there's there's a belly that's town in the line. That 287 00:24:34.599 --> 00:24:37.240 doesn't help much at all, Like I said, well, then that's not 288 00:24:37.400 --> 00:24:41.279 your problem. That you just happen to be getting backed up because you're at 289 00:24:41.279 --> 00:24:47.599 the bottom floor. If listen, man, you have to get that proof 290 00:24:47.920 --> 00:24:53.240 and you have to sue that other two people on your line for the OR 291 00:24:53.319 --> 00:24:57.359 and the h AA that you got to start doing taking some action, man. 292 00:24:57.759 --> 00:25:02.839 Or you have to address the KOA, just the HOA and have them 293 00:25:02.880 --> 00:25:07.359 fix it. Okay, because after the belly too, when it comes back 294 00:25:07.440 --> 00:25:11.680 up like there's obviously like a discrepancy in the line where it looks like it's 295 00:25:11.720 --> 00:25:15.880 breaking it looking you better take care of this, bro or it's going to 296 00:25:17.000 --> 00:25:18.640 keep haunting you. But you have to do this. You understand that, 297 00:25:18.759 --> 00:25:22.680 I mean, we can't do this for you. You have Now you have 298 00:25:22.720 --> 00:25:27.119 a scope showing there's a belly causing the backup. Now you have to get 299 00:25:27.160 --> 00:25:32.319 a written opinion there. Then what you need to do is submit it to 300 00:25:32.359 --> 00:25:36.279 the HOA and request that they fix it. And if not, you're gonna 301 00:25:36.319 --> 00:25:40.440 have to get a lawyer to write them a letter, okay, or or 302 00:25:40.839 --> 00:25:45.960 your your your homeowner's insurance saying look, you know you've paid for this a 303 00:25:45.000 --> 00:25:52.640 few times. Here's the problem. Go subrogate against the HOA and maybe they'll 304 00:25:52.680 --> 00:25:55.319 take it on. But either way, that's what you have to do. 305 00:25:55.839 --> 00:25:57.839 Three oh three seven, Thank you, Dylan. I want you to call 306 00:25:57.880 --> 00:26:00.799 me back. Don't stay in touch. This is not the schluffy off, 307 00:26:00.839 --> 00:26:04.039 bro, This is to give you some direction. Three oh three seven one 308 00:26:04.079 --> 00:26:11.359 three eight two five five Bob as a mechanic. Okay, baba, what's 309 00:26:11.359 --> 00:26:18.839 your what's your issue? Well, back on January fifteenth, when it was 310 00:26:18.880 --> 00:26:22.480 real cold out, you know, like ten below in the mornings, Yeah, 311 00:26:22.279 --> 00:26:25.839 my wife and I were real sick with COVID and we were driving to 312 00:26:25.839 --> 00:26:30.319 get our prescriptions and I blew with power steering hose. So, you know, 313 00:26:30.480 --> 00:26:33.240 both of us feeling like crap, and we didn't want to wait on 314 00:26:33.279 --> 00:26:38.000 a toe, and so I decided to drive my car home from Walmart knowing 315 00:26:38.079 --> 00:26:42.160 you know, IU damnage the power steering pump. Well, so we got 316 00:26:42.160 --> 00:26:47.039 to fill in better on the How did you know that your hose brookbusted? 317 00:26:47.079 --> 00:26:52.079 Could you see it? Yeah? And plus the steering got hard, got 318 00:26:52.079 --> 00:26:56.720 it? So you drove home? Did you ruin your pump? Well? 319 00:26:56.799 --> 00:27:00.480 Yeah, I ended up ruining my pump, but I took it to the 320 00:27:00.559 --> 00:27:04.559 shop called MUDs Tires. He deals with tires. But supposedly he's got certified 321 00:27:04.599 --> 00:27:11.400 mechanics, and so the mechanic calls me up. I had it towed there 322 00:27:11.480 --> 00:27:15.160 on the seventeenth of January. And what's the name of the place again, 323 00:27:17.559 --> 00:27:22.920 MUDs Tires? MUDs, Okay, it's on fifty six ninety Logan Street. 324 00:27:23.519 --> 00:27:29.559 Is that a double D? No? It's well, okay, like mud 325 00:27:29.599 --> 00:27:34.480 got it MUD's Tires. So what happened? Yeah, So I wait for 326 00:27:34.519 --> 00:27:41.039 a call from his mechanic that's supposedly certified, and he tells me, which 327 00:27:41.079 --> 00:27:44.680 I knew was going to be what I was going to damage the pump. 328 00:27:44.680 --> 00:27:47.640 He says, yeah, you blew a pressure line and the pump is junk. 329 00:27:47.920 --> 00:27:49.240 I says, okay, can you get it fixed for me? And 330 00:27:49.240 --> 00:27:52.759 he says yeah, we'll get right on it. All right now, Bubba, 331 00:27:52.759 --> 00:27:55.880 what I'd like you to do? I appreciate the step by step, 332 00:27:56.599 --> 00:28:02.640 but can you tell me speed forward? What's the problem. Well, anyway, 333 00:28:03.160 --> 00:28:04.920 I went to pick up the car like four times. I wasn't see 334 00:28:04.920 --> 00:28:08.920 that's not speeding up. That's not speeding speeding up? Is tell me what's 335 00:28:08.960 --> 00:28:15.519 wrong? Drove it home on the last day. Tell me what the problem 336 00:28:15.640 --> 00:28:21.079 is? Right now? Today? I'm trying to get Larry to give me 337 00:28:21.119 --> 00:28:22.759 some money back because I had to take it to another shop to be fixed. 338 00:28:22.759 --> 00:28:26.200 Correct. Okay, what was wrong with it? What was wrong? 339 00:28:26.279 --> 00:28:29.559 That's good? What's wrong? I mean not good, but I mean at 340 00:28:29.640 --> 00:28:32.960 least we're getting somewhere. What's wrong with the pump he did? What did 341 00:28:32.960 --> 00:28:37.680 he do wrong? They put a remanufactured pump on it and lets junk. 342 00:28:37.880 --> 00:28:41.799 And he claims they changed it twice, but the shop I took it to 343 00:28:41.960 --> 00:28:48.599 they talked to O'Reilly's instead. They only changed it once. Okay, hold 344 00:28:48.680 --> 00:28:51.640 on, this is good. I'll come. I got some suggestions three h 345 00:28:51.680 --> 00:29:00.519 three seven one three eight two five five. Go with a sure thing Denver's 346 00:29:00.559 --> 00:29:03.880 best roofer Excel Roofing dot com. You don't pay a cent until you're content. 347 00:29:07.279 --> 00:29:11.839 Time for an insurance checkup free, no obligation. In comparison, call 348 00:29:11.920 --> 00:29:15.880 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 349 00:29:15.960 --> 00:29:19.240 three all three seven to seven to one help. You'll think you're his only 350 00:29:19.359 --> 00:29:23.160 customer when you choose Frank durand the real estate Man dot com to list your 351 00:29:23.200 --> 00:29:33.799 home with Remax Alliance three three nine two zero sixteen twenty two. Tom Martino, 352 00:29:33.279 --> 00:29:37.680 you're troubleshoot. Welcome to the show. Paul the Waterman's with us. 353 00:29:37.680 --> 00:29:40.599 By the way, we have some texts for him. I'm going to get 354 00:29:40.599 --> 00:29:45.759 too right after the break on water systems. Now this issue with a mechanic 355 00:29:45.799 --> 00:29:51.119 Bubba. I mean, I don't blame you for being upset. If this 356 00:29:51.200 --> 00:29:57.880 guy installed, if this place MUDs Tires installed a bad remanufactured pump and you 357 00:29:57.920 --> 00:30:00.960 had to pay for it to get your money back, there's no if sends 358 00:30:02.039 --> 00:30:04.000 or butts because you had to take it somewhere else to be fixed. I 359 00:30:04.039 --> 00:30:08.839 mean, what is Mud? Is the guy's name Mud? By the way, 360 00:30:10.319 --> 00:30:15.160 Now his name is Larry V. Hill. Okay, because I could 361 00:30:15.200 --> 00:30:21.079 make his name Mud. Okay, Larry V. Now let's talk about Larry. 362 00:30:21.640 --> 00:30:26.559 What does he say he'll do for you? He says he's done with 363 00:30:26.599 --> 00:30:32.519 me. He says they kept claiming my rack and pinion was bad and it 364 00:30:32.640 --> 00:30:37.039 wasn't. And the first thing, when I drove the car off his lot 365 00:30:37.079 --> 00:30:40.839 we got on a highway, the hupcap went flying off. So he owes 366 00:30:40.880 --> 00:30:45.559 me a hubcap. Well, the guys in the yeah, I mean, 367 00:30:45.960 --> 00:30:48.000 okay, I'll go along with that. But what do we do about it? 368 00:30:48.160 --> 00:30:52.680 Small claims? How much did you pay for that re manufacturer pumping? 369 00:30:52.799 --> 00:30:59.680 Did you get it back from the second place you took it to the second 370 00:30:59.680 --> 00:31:03.839 place actually had to turn it in for a core. Now, how are 371 00:31:03.839 --> 00:31:07.680 we going to prove it was bad? Oh? I got it all documented 372 00:31:07.680 --> 00:31:14.480 from the shop. Good. How much did you pay MUDs? I paid 373 00:31:14.559 --> 00:31:18.319 him five hundred and well it ended up being four hundred and ten dollars he 374 00:31:18.400 --> 00:31:21.440 took it down to because I had so many problems with him. How much? 375 00:31:21.839 --> 00:31:25.920 But four hundred and ten dollars? Well, why should you even pay 376 00:31:25.960 --> 00:31:33.480 that? I know exactly, and I think nicely if he could work with 377 00:31:33.519 --> 00:31:37.440 me to get my money back. And yesterday he says, no, we 378 00:31:37.559 --> 00:31:41.319 changed that pump twice and I don't owe you nothing, But well he does, 379 00:31:41.680 --> 00:31:47.079 he does owe you. He does. Oh he's been I'm not talking 380 00:31:47.119 --> 00:31:51.160 all. I'm not finding this be hill guy? Is this spelled V I 381 00:31:51.240 --> 00:31:55.200 G? I L Yes, sir, Okay, I'm not finding him. 382 00:31:55.440 --> 00:32:01.680 Okay, So here's the deal, man, Uh, Small claims court would 383 00:32:01.759 --> 00:32:07.799 probably get you the best results. We'll call over there. Okay, we 384 00:32:07.880 --> 00:32:12.359 don't mind deputy. Doc, let's give a call. But I'm still thinking 385 00:32:13.599 --> 00:32:15.960 that you want to do a small claims court. But Doc, let's just 386 00:32:16.000 --> 00:32:20.119 see what the guy says to us and how what your feel is on that. 387 00:32:21.920 --> 00:32:25.200 But man, I'm with you, okay? Oh is he not there 388 00:32:25.599 --> 00:32:30.039 in Japan? Well he's got it still phone, he still answers it. 389 00:32:30.480 --> 00:32:34.920 All right, we'll call here, hold on and give that number to Kachina. 390 00:32:35.279 --> 00:32:37.440 Susan, what's your tax question? Hi, Susan. By the way, 391 00:32:37.480 --> 00:32:40.279 we'll have lines open and we have three hours ago three oh three seven 392 00:32:40.359 --> 00:32:44.240 one three talks seven one three eight two five five Susan, what's going on? 393 00:32:45.240 --> 00:32:50.799 Tom? I'm trying to find out under what circumstance a Form fifty three 394 00:32:50.960 --> 00:32:58.440 twenty nine would be generated. I've got a ten ninety nine R inputed into 395 00:32:58.480 --> 00:33:04.839 turbo taps the individual that's sixty two years old the distribution, So hold on. 396 00:33:05.119 --> 00:33:12.880 You have a ten ninety nine R right correct okay for ode okay? 397 00:33:12.920 --> 00:33:16.680 And that is for a pension? Right ethops under that's for a pension or 398 00:33:16.720 --> 00:33:22.720 a four K correct yump okay? And how much is that for? That's 399 00:33:22.039 --> 00:33:28.920 ten ninety nine? Are fifty three twenty nine and in line two it's got 400 00:33:28.920 --> 00:33:34.839 a code twelve, which, according to the ridiculous question, says distribution incorrectly. 401 00:33:34.920 --> 00:33:37.839 Yeah, I understand. Go with a sure thing Denver's best roofer Excel 402 00:33:37.920 --> 00:33:45.720 Roofing dot com. You don't pay a cent until you're content. Time for 403 00:33:45.759 --> 00:33:50.519 an insurance checkup free, no obligation. In comparison, call Compass insurance paying 404 00:33:50.559 --> 00:33:53.599 too much your coverage at dozens of insurance companies find out now three all three 405 00:33:53.759 --> 00:33:58.519 seven seven to one help. You'll think you're his only customer when you choose 406 00:33:58.559 --> 00:34:02.359 Frank durand the real estate Man dot to list your home with Remax Alliance three 407 00:34:02.440 --> 00:34:15.159 oh three nine two zero sixteen twenty two. Yeah, Rift of New need 408 00:34:15.239 --> 00:34:22.719 advice so you don't have run in sustass as we can. Shooter's gonna help 409 00:34:23.000 --> 00:34:30.920 come. This is the Troubleshooter Show. Now Tom Martino, Hi, Tom 410 00:34:30.920 --> 00:34:37.599 Martino here three oh three seven one three talk three oh three seven one three 411 00:34:37.800 --> 00:34:40.840 eight two five five. Welcome to the show. We are here with uh 412 00:34:42.159 --> 00:34:46.519 Paul the Waterman waterpros dot net. We'll be talking about water coming up. 413 00:34:46.960 --> 00:34:52.440 I also want to remind you that Denver Regen dot com does stem Cell therapy. 414 00:34:52.760 --> 00:34:58.360 In addition to the new weight loss they've added for semiglue tide at two 415 00:34:58.480 --> 00:35:01.320 hundred and fifty a month. They also do regular stem cell therapy, which 416 00:35:01.400 --> 00:35:07.360 is very important. I had that done and had great results Denverregen dot com. 417 00:35:07.440 --> 00:35:13.440 So Susan had a question. She said she was doing her taxes and 418 00:35:13.519 --> 00:35:20.079 TurboTax generated a form fifty three twenty nine and she thinks it's an error and 419 00:35:20.320 --> 00:35:25.639 she did it in conjunction with a ten ninety nine R. Now, let's 420 00:35:25.679 --> 00:35:29.559 talk about this because I'll tell you. I don't want to get real technical, 421 00:35:29.599 --> 00:35:34.519 but i'll tell you in simple terms, what happened that when you entered 422 00:35:34.519 --> 00:35:42.360 the ten ninety nine are okay? That is a distribution from a qualified plan. 423 00:35:42.719 --> 00:35:50.000 Okay, Susan, Yes, and the ten ninety nine R is correct 424 00:35:50.159 --> 00:35:57.119 to enter it. What TurboTax is now doing is doing a calculation. This 425 00:35:57.320 --> 00:36:04.880 form is to see if you took the required minimum distribution? How old is 426 00:36:04.920 --> 00:36:10.039 this taxpayer? Sixty two? Oh that's really young. Okay, yeah, 427 00:36:10.119 --> 00:36:15.199 okay, because this form somewhere along did you put in the date of birth 428 00:36:15.239 --> 00:36:20.880 and all that on the form? Yeah? Yeah, okay, cause jowning 429 00:36:21.119 --> 00:36:27.840 the fifty three twenty nine is additional tax on your qualified retirement plan. That's 430 00:36:27.840 --> 00:36:31.280 basically what it is. So they're seeing if you have to if you have 431 00:36:31.360 --> 00:36:36.679 to take more, if you took it at sixty two, they're saying it 432 00:36:36.800 --> 00:36:44.559 was an early withdrawal, possibly and it wasn't. Well. The catch is 433 00:36:44.599 --> 00:36:52.239 that basically for the last umpteen years you've been getting this dividend. But I 434 00:36:52.280 --> 00:36:57.840 looked at the last three years and the ten ninety nine is identical. Always 435 00:36:57.880 --> 00:37:01.239 has that you for the distribution code for Bob Reevens, right, and this 436 00:37:01.440 --> 00:37:07.840 form has never been generated. It's fifty three nine right. So that's why 437 00:37:08.000 --> 00:37:14.679 I'm trying. Okay. All I can tell you is something you answered triggered 438 00:37:14.920 --> 00:37:21.840 something you answered triggered TurboTax into thinking additional tax is owed. It could be 439 00:37:21.880 --> 00:37:25.239 a penalty because it was too young. It could be HSA, it could 440 00:37:25.320 --> 00:37:30.719 be something I'm not I don't know what it is, but I doubt if 441 00:37:30.800 --> 00:37:37.880 TurboTax is wrong if you filled out everything correctly, TurboTax does that automatically, 442 00:37:38.400 --> 00:37:45.239 So it could be early distributions, excess contributions. It could be failing to 443 00:37:45.280 --> 00:37:52.079 take minimum distributions. There are a number of reasons additional tax would be owed 444 00:37:52.480 --> 00:37:57.039 in any one year. Did you go through and fill out the questions on 445 00:37:57.159 --> 00:38:00.760 form fifty three to twenty nine? Yeah? So online too is where they 446 00:38:00.880 --> 00:38:06.719 enter it accepts in a code for an exception, and they picked twelve. 447 00:38:07.159 --> 00:38:09.039 Quick. Yeah. But what I'm asking is, did you just go through 448 00:38:09.159 --> 00:38:12.840 Here's all I need to know, because we can't go through that form right 449 00:38:12.880 --> 00:38:17.559 now. I'm asking a simple question. After you did the form, did 450 00:38:17.599 --> 00:38:24.800 it require additional tax? No? Okay, then what's the harm of that 451 00:38:24.840 --> 00:38:30.559 form? I'm just well, the code that there's one, why it got 452 00:38:30.679 --> 00:38:35.119 generated into why they picked a code of twelve? It doesn't even apply. 453 00:38:36.159 --> 00:38:42.000 But if it doesn't apply, it won't have any tax ramifications. You see, 454 00:38:42.360 --> 00:38:46.920 just because something is triggered, like an alternative minimum tax, if something 455 00:38:47.079 --> 00:38:52.400 is triggered, doesn't mean it's due. It simply wants you to fill it 456 00:38:52.440 --> 00:38:55.119 out and do the work and then it comes up with your tax obligation. 457 00:38:55.440 --> 00:38:59.480 Does that make sense? Yeah, I'm just but like I said, it's 458 00:38:59.559 --> 00:39:01.159 you know, happened last year or the year? And by the way, 459 00:39:01.159 --> 00:39:06.119 what was that code twelve that it said? What was the one that doesn't 460 00:39:06.119 --> 00:39:10.159 apply. What what is twelve? Okay, this is from the book with 461 00:39:10.199 --> 00:39:16.639 that companies. What does it say? Basically, distributions incorrectly indicated as early 462 00:39:16.679 --> 00:39:24.000 distributions by code one j or s In, Bob Kevin A form. Hold 463 00:39:24.079 --> 00:39:30.199 on, hold on, Susan, Susan, you understand that that this form. 464 00:39:30.280 --> 00:39:35.440 Now I understand what you're saying. It doesn't apply, But it it. 465 00:39:35.880 --> 00:39:40.440 It did it correctly. It did not trigger additional tax. You simply 466 00:39:40.480 --> 00:39:45.440 did the form and it did not trigger. You know, many times you 467 00:39:45.480 --> 00:39:50.039 get a form for like if you get a form for capital gains, it 468 00:39:50.039 --> 00:39:53.079 doesn't mean you owe capital gains. It's it's a it's a form you fill 469 00:39:53.119 --> 00:39:59.840 out because of it. Okay, But I wouldn't worry unless the only time 470 00:39:59.880 --> 00:40:05.440 I I'd worry about this is if that form resulted in more tax because it 471 00:40:05.559 --> 00:40:12.239 mistakingly thought there was an excess contribution or an early contribution excuse me, an 472 00:40:12.280 --> 00:40:15.679 early distribution or whatever. But I wouldn't worry about it. Of course, 473 00:40:15.719 --> 00:40:20.880 you can always call your tax expert as well. But everything I'm seeing, 474 00:40:21.360 --> 00:40:23.280 that's why I wanted to talk to tax Yeah, and we do have tax 475 00:40:23.280 --> 00:40:27.760 experts. We tried to get a hold of them. But the answer was 476 00:40:27.840 --> 00:40:32.519 so obvious on all of the sites we went to. It said, this 477 00:40:32.679 --> 00:40:39.000 form does not necessarily mean additional taxes. Oh we have Larsen. Oh good, 478 00:40:39.159 --> 00:40:43.880 Okay, Okay, I think I just answered it. But we'll see. 479 00:40:43.920 --> 00:40:50.280 Maybe I'm wrong. Steve Sazek, Steve, this person was doing tax 480 00:40:51.199 --> 00:40:58.239 and they entered information from a ten ninety nine R. Okay, And as 481 00:40:58.280 --> 00:41:07.239 a result, tax triggered Form fifty three twenty nine and she and it did 482 00:41:07.400 --> 00:41:12.360 and she filled it out and it did not result in additional tax but she 483 00:41:12.519 --> 00:41:15.000 wants to know. And again I don't know why she wants to, but 484 00:41:15.039 --> 00:41:19.599 she wants to know why it was triggered. Do you are you aware of 485 00:41:19.880 --> 00:41:23.639 Form fifty three to twenty nine? I mean, it's really nuanced. It's 486 00:41:23.760 --> 00:41:28.840 with respect as far as I know, let's respect to like qualified irase. 487 00:41:29.440 --> 00:41:35.360 Yeah. So she had some form of retirement plans that she needed a report 488 00:41:35.440 --> 00:41:38.800 some additional taxes on and that was how you would use that particular form. 489 00:41:39.159 --> 00:41:44.840 Yeah. So what I've got is a ten ninety nine R that has a 490 00:41:44.920 --> 00:41:51.960 distribution code in box seven of you, which is a dividend distribution from AESOP 491 00:41:52.159 --> 00:41:55.880 under sec right. The person it's four is sixty two years old. Right, 492 00:41:57.000 --> 00:42:01.840 it's not an early distribution. And we've had this form the same distribution, 493 00:42:02.199 --> 00:42:06.800 you know, like for the last three plus years and all the prior 494 00:42:06.920 --> 00:42:10.679 years formed to see through well. By the way, by the way, 495 00:42:12.599 --> 00:42:16.159 do you understand something? Maybe you don't. But when you take a distribution, 496 00:42:17.400 --> 00:42:22.360 even if you are qualified age, there is still tax on distributions of 497 00:42:22.400 --> 00:42:28.480 retirement plans. I mean they're not tax free, understand. On the first 498 00:42:28.519 --> 00:42:32.519 page of the ten forty that's included in right, that's right. However, 499 00:42:34.039 --> 00:42:42.559 there are some cases where additional taxes may I'm saying may be required. What 500 00:42:42.679 --> 00:42:49.760 turbo tax did was generated that form to see if additional taxes were required, 501 00:42:49.840 --> 00:42:55.599 not to levy additional taxes, but to querry about it. I mean, 502 00:42:57.719 --> 00:43:00.320 look, I think the answer is Steve, well can You don't have to 503 00:43:00.360 --> 00:43:06.079 agree with me. But the mere presence of that form is not saying she 504 00:43:06.280 --> 00:43:10.679 owes additional tax It does it well, and it gets kind of nuanced because 505 00:43:10.719 --> 00:43:16.320 the way that TurboTax and some of these reporting softwares operated is that yes, 506 00:43:16.400 --> 00:43:20.599 they'll they'll have you fill it out and then they'll calculate whether that's something that 507 00:43:20.639 --> 00:43:25.199 they would want to report. The form FI FI nine is designed to report 508 00:43:25.679 --> 00:43:30.400 additional taxes ODE, and so you fill it out. I was just caution 509 00:43:30.599 --> 00:43:32.400 her to make sure if you fill it out, to review that return or 510 00:43:32.400 --> 00:43:36.000 have a prepare to take a look at it and say, hey, is 511 00:43:36.039 --> 00:43:38.000 this correct or not? Because Turbo Tax had me do this, and I 512 00:43:38.039 --> 00:43:42.280 can't determine whether I need to or not based upon how the software is. 513 00:43:42.440 --> 00:43:45.239 But here's the deal. After filling it out, it did not result in 514 00:43:45.280 --> 00:43:50.079 more tax. Yeah. If you fill it out and you look at that 515 00:43:50.079 --> 00:43:52.719 TurboTax FORMA, say I filled it out, there's no additional sustment. Then 516 00:43:52.800 --> 00:43:57.280 therefore it's just the software doing this job exactly. That's the point I was 517 00:43:57.280 --> 00:44:00.400 trying to make, Susan. I don't know why it did this, and 518 00:44:00.440 --> 00:44:01.960 it didn't in the past. But by the way, Larson, while I 519 00:44:02.000 --> 00:44:07.039 have you on the phone, Steve, I was told by our accountants and 520 00:44:07.119 --> 00:44:14.880 I'm hearing that audits are very very light because the irs is so overworked. 521 00:44:14.960 --> 00:44:19.840 I mean, is that true. It depends on what you're getting audited for. 522 00:44:20.519 --> 00:44:24.480 Right now. They're focusing right now on those erc the employment credit audits 523 00:44:24.519 --> 00:44:30.079 and a PPP fraud. All the people that took all of those credits are 524 00:44:30.119 --> 00:44:36.960 going to be haunted by it, yes, because they were. I think 525 00:44:37.000 --> 00:44:40.599 these people doing the commercials saying you're entitled to this, and you're entitled to 526 00:44:40.639 --> 00:44:45.760 this, and the company took twenty percent of what they collected, and you 527 00:44:45.840 --> 00:44:51.119 thought, well that I can't go wrong. Now what happens if you're assessed 528 00:44:51.400 --> 00:44:54.119 that back again? What do you do with the twenty percent you already paid 529 00:44:54.159 --> 00:44:58.519 out? You know, this is the problem, Steve. I believe a 530 00:44:58.519 --> 00:45:05.719 lot of these r C credits were fraudulently obtained. Yeah, and people who 531 00:45:05.719 --> 00:45:09.000 are getting people who already paid those guys for their work from the refunds that 532 00:45:09.039 --> 00:45:13.360 they got from the IRS are now having to pay that refunded back to the 533 00:45:13.360 --> 00:45:16.119 IRS because it was not correct. Right. Not only the money that you 534 00:45:16.239 --> 00:45:19.760 got, you have the money that you paid the other guys. So you're 535 00:45:19.760 --> 00:45:23.400 net negative and you have to now listen, I should say something on this 536 00:45:23.800 --> 00:45:34.679 ERC thing. What sometimes it wasn't that the credits were fraudulently gotten, but 537 00:45:34.880 --> 00:45:39.360 after receiving the credits, I think what people failed to do they had to 538 00:45:39.400 --> 00:45:47.840 go back and amend previous years where they wrote off those expenses exactly. Yeah, 539 00:45:47.960 --> 00:45:53.639 so so many times when people got a credit for employee expenses that they 540 00:45:53.679 --> 00:45:59.639 had previously written off if they went back and amended the previous years, it 541 00:45:59.679 --> 00:46:04.599 was all almost damn wash after you consider the twenty percent commission they gave to 542 00:46:04.639 --> 00:46:09.639 these companies. Right, absolutely, any so, so many reasons why you 543 00:46:09.679 --> 00:46:13.599 need to vet. I'm not honest to god, it was like it was 544 00:46:13.639 --> 00:46:19.039 one of the biggest scams. Now are you saying they're also auditing the the 545 00:46:19.840 --> 00:46:23.440 p PPP loans. Yeah, the three things that they're doing right now is 546 00:46:23.519 --> 00:46:29.079 PvP or C and then high net worth individual and that's I mean, most 547 00:46:29.119 --> 00:46:31.480 of the world doesn't qualify for that. It's twenty five million a year essentially. 548 00:46:31.480 --> 00:46:34.599 If you're making that, then you're going to be you're going to get 549 00:46:34.639 --> 00:46:37.519 auditor this year and next. So so most of your listening audience, including 550 00:46:37.559 --> 00:46:42.400 myself, and I'm not pointing at you what your networth is, but I 551 00:46:42.440 --> 00:46:45.639 think we're probably okay as far as aus the ARA is trying to go out 552 00:46:45.679 --> 00:46:49.480 with the big fish right now, thank you very much. And that's Larsen 553 00:46:50.119 --> 00:46:55.800 Tax Relief dot Com eight four four Larsen Tax l A R S O N 554 00:46:57.199 --> 00:47:07.320 eight four four Larsen Tax Go with a sure Thing Denver's Best roofer Excel Roofing 555 00:47:07.400 --> 00:47:14.880 dot com. You don't pay a cent until you're content. Time for an 556 00:47:14.920 --> 00:47:20.760 insurance check up free no obligation comparison call Compass Insurance Paying too much your coverage 557 00:47:20.760 --> 00:47:23.440 at dozens of insurance companies find out now three oh three seven to seven to 558 00:47:23.480 --> 00:47:28.199 one help. You'll think you're his only customer when you choose Frank durand the 559 00:47:28.280 --> 00:47:31.840 real estate Man dot com to list your home with Remax Alliance three oh three 560 00:47:31.880 --> 00:47:45.280 nine two zero sixteen twenty two. Hi Tom Martino, your troubleshooter three oh 561 00:47:45.320 --> 00:47:49.760 three seven one three talks seven one three eight two five five. All right, 562 00:47:49.800 --> 00:47:52.719 we have Paul the Waterman with us as well as uh your calls, 563 00:47:52.880 --> 00:47:55.840 problems, questions, complains, so give us a call. We've had some 564 00:47:55.960 --> 00:48:02.679 very interesting calls today and again that one with the one with the forms and 565 00:48:02.760 --> 00:48:08.760 all of that. It gets really really difficult to discuss. It's very technical 566 00:48:08.800 --> 00:48:14.760 when it comes to doing your own taxes and all of that. But again, 567 00:48:15.599 --> 00:48:19.960 I think TurboTax does a pretty good job. I really do. So 568 00:48:20.000 --> 00:48:23.400 what's on your mind today? Three oh three seven one three talks seven one 569 00:48:23.440 --> 00:48:29.840 three eight two five five now on someone's mind today? And of course you 570 00:48:30.000 --> 00:48:35.960 probably oh, though you don't haven't heard about it, but my colleagues have 571 00:48:36.079 --> 00:48:43.320 heard about it. This proposed HB twenty four eleven sixty three, which means 572 00:48:43.360 --> 00:48:45.800 nothing to you. But what do you think it is? It's called a 573 00:48:45.880 --> 00:48:53.800 pet bill, and it would require pet owners to register their animals. Now, 574 00:48:53.920 --> 00:48:59.559 when it says pets, what is it dogs? Cats? Or just 575 00:48:59.679 --> 00:49:04.559 dog? What about you know, snakes, gerbils? I don't know. 576 00:49:05.199 --> 00:49:12.159 So in any case, this would require a registration. And really, when 577 00:49:12.159 --> 00:49:16.920 you think about it, it's more or less another tax. That's exactly what 578 00:49:16.960 --> 00:49:23.639 it is. It's just another tax. It has a Pet Animal Registration department 579 00:49:25.280 --> 00:49:36.199 for pet owners to pay a registration fee every single year. And I don't 580 00:49:36.239 --> 00:49:40.039 know, but I'm looking here on the bill, Oh, a dog and 581 00:49:40.079 --> 00:49:47.400 a cat it says, so it's dogs and cats, not horses anyway, 582 00:49:47.960 --> 00:49:52.840 and you pay more to register if they're not neutered or Spade, well, 583 00:49:52.840 --> 00:49:55.760 i'd like you know, the incentive to get pets neutered. In Spade, 584 00:49:55.840 --> 00:50:01.199 we have way too many abandoned pets. It's going to be twenty five dollars 585 00:50:01.280 --> 00:50:09.239 a year for each animal without a designated caregiver. But if you designate a 586 00:50:09.280 --> 00:50:15.960 caregiver, it will be uh only eight point fifty. That goes to sixteen 587 00:50:15.960 --> 00:50:20.880 if it's not neutered or spade, and it goes to twenty five dollars without 588 00:50:20.880 --> 00:50:23.760 a designated The whole thing stupid. I don't see it passing. I don't 589 00:50:23.880 --> 00:50:29.480 understand what it means. Why do they care about what's a designated caregiver? 590 00:50:29.800 --> 00:50:36.440 I'm with Governor mcpheebey. Everything is a fee because they're trying to raise money 591 00:50:36.760 --> 00:50:42.079 by going around the tax issue. Of course they are. It says here 592 00:50:42.199 --> 00:50:49.960 first responders will use the system to identify the caregiver of an animal. Who 593 00:50:50.079 --> 00:50:58.280 might you know? So So anyway, in the event that the caregiver the 594 00:50:58.360 --> 00:51:04.280 pet of the incapacityation of the pet owner, so they're not talking about the 595 00:51:04.320 --> 00:51:09.519 pet owner. The pet owner is a given, but they want also a 596 00:51:09.559 --> 00:51:15.880 designated caregiver. So Mark, you're not in is this just oh, this 597 00:51:15.920 --> 00:51:19.519 is Colorado, so you'd have to do it too, Mark, So you 598 00:51:19.920 --> 00:51:22.119 have nothing to do with anything but money. It's another money, you can 599 00:51:22.159 --> 00:51:31.039 designates. You can designate me as the caregiver for Nico and Dima, and 600 00:51:31.480 --> 00:51:35.679 there then you got a caregiver. How about that? Yeah, but for 601 00:51:35.719 --> 00:51:38.840 a buck and a half, you can get a thing on the dog's neck, 602 00:51:39.039 --> 00:51:44.400 on his collar that will give you the caregiver. You know what, 603 00:51:44.639 --> 00:51:47.880 this is truly ridiculous. It truly is a tax. I don't care how 604 00:51:47.920 --> 00:51:52.360 you look at it. I heard that you had a if you had an 605 00:51:52.440 --> 00:51:55.159 aquarium, you had to pay a tax for your fishing the aquariums. Come 606 00:51:55.239 --> 00:51:59.639 on, yeah, read it. I heard it was a post on next 607 00:51:59.719 --> 00:52:05.599 door. Now paula waterman, Speaking of which, let's talk about if you 608 00:52:05.840 --> 00:52:08.400 had to do one thing to your water. I know what I would do. 609 00:52:08.440 --> 00:52:13.079 I would do the drinking water. If you had only one thing, 610 00:52:13.119 --> 00:52:15.920 what would you do the drinking water? Drinking water? For sure? At 611 00:52:15.920 --> 00:52:21.239 the fountain, right, I gotta jump in here. Yeah I disagree. 612 00:52:21.360 --> 00:52:24.719 I disagree now maybe because it's on well water. But that softener Paul put 613 00:52:24.760 --> 00:52:31.280 in this house has just changed my life for the good. And have you 614 00:52:31.360 --> 00:52:37.280 have? You have better drinking water than most. But truly, if you're 615 00:52:37.519 --> 00:52:42.280 if you're anywhere, you need to get rid of chemicals and crap from your 616 00:52:42.320 --> 00:52:45.679 water, forever chemicals and plastics and all of that. You need to do 617 00:52:45.719 --> 00:52:51.480 a water system for filtration now softening. Can I jump in there for a 618 00:52:51.519 --> 00:52:54.239 second, Yeah, Paul, am I not am I not correct saying it 619 00:52:54.239 --> 00:52:58.320 doesn't matter if you drink out of a plastic bottle. For this reason, 620 00:52:58.639 --> 00:53:02.320 the steak you're eating has plastic in it. There is nothing we don't consume 621 00:53:02.719 --> 00:53:07.679 that doesn't have plastic. Yes, a point of use might help out and 622 00:53:07.719 --> 00:53:12.559 cut back a little, but the bottom line is plastic is everywhere. Unfortune, 623 00:53:12.880 --> 00:53:17.000 it is everyone. Yeah, it's a it's a total environmental contaminating case. 624 00:53:17.039 --> 00:53:22.639 So then you think organic organic foods have I think it's all. It's 625 00:53:22.679 --> 00:53:27.960 all contaminating my personal and everywhere. Our rain comes from the earth that already 626 00:53:28.000 --> 00:53:34.559 has a plan. It's a big cycle. It's absolutely He's marked absolutely correct. 627 00:53:34.960 --> 00:53:38.079 For example, and I shoulder you this morning time the PI files. 628 00:53:38.119 --> 00:53:43.679 When we started this, there were four chemicals in the forever chemical issue. 629 00:53:44.159 --> 00:53:46.360 Now there's a total of one hundred and ninety three that make up in the 630 00:53:46.360 --> 00:53:52.679 PI fos family, and that's basically total environmental contamination. But Mark, I 631 00:53:52.679 --> 00:53:57.119 don't think When I talk about drinking water, it's almost like surrendering, saying, 632 00:53:57.119 --> 00:54:00.000 well, it's in everything, I may as well just not care about 633 00:54:00.119 --> 00:54:05.079 the water. I understand that that I understand that sentiment, but I would 634 00:54:05.199 --> 00:54:09.519 rather say, really, if you're going to hydrate properly, it's not just 635 00:54:09.840 --> 00:54:14.480 to keep chemicals out, but you get better hydration with the balanced water. 636 00:54:14.800 --> 00:54:17.719 You really do we? Truly do? You truly do the problem with municipal 637 00:54:17.760 --> 00:54:22.679 water supplies is eventually they're all going to be reusable source. California just came 638 00:54:22.719 --> 00:54:28.880 out with their game plan to go sixty percent in Los Angeles from the toilet 639 00:54:28.920 --> 00:54:32.079 to the tap. Douglas tay and that Castle Rock. Aren't we talking about 640 00:54:32.159 --> 00:54:36.280 castle He was just saying this, Douglas County. Douglas County, Yeah, 641 00:54:36.360 --> 00:54:38.920 Castle Rock, I think is at seventy three percent from the toilet. So 642 00:54:38.960 --> 00:54:44.159 the crap, literally, the crap you flush down the toilet is coming out 643 00:54:44.159 --> 00:54:46.360 of your tap after it gets a little bit of a you know, they 644 00:54:46.400 --> 00:54:50.760 sprinkle some faery dust down there and tell you it's great, right, And 645 00:54:51.039 --> 00:54:54.000 so the chemicals that they use after you remove the poop, right, is 646 00:54:54.119 --> 00:54:59.880 cancer causing. And the bigger issue I feel and they're going to start releasing 647 00:55:00.039 --> 00:55:04.760 it's pretty soon, is the pharmaceutical contamination. That's why the point of use 648 00:55:04.760 --> 00:55:07.639 for versosmosis, because the majority folks are on tapwater. There's a lot of 649 00:55:07.639 --> 00:55:13.079 tapwater that's that's growing in the rural areas. I mean there's communities you know, 650 00:55:13.239 --> 00:55:15.760 out east that I thought would be in wild water, but they're on 651 00:55:15.880 --> 00:55:19.800 you know, a city water supply. And so when we come to that 652 00:55:19.840 --> 00:55:22.719 point, that's when I feel the point of use is more important because of 653 00:55:22.760 --> 00:55:27.400 all the other containments that you don't have mark because you're on a well and 654 00:55:27.480 --> 00:55:30.039 so the earth when water goes through to your aquafer, the earth can has 655 00:55:30.039 --> 00:55:34.719 a chance act like a natural filter and start grabbing some of that. Where 656 00:55:34.760 --> 00:55:37.960 in the municipal apply municipal supply you don't have that. By the way, 657 00:55:38.320 --> 00:55:43.880 Glenn, what's your comment on taxes? Oh? I just you know, 658 00:55:43.920 --> 00:55:46.320 it seems like these guys in Colorado, on top of trying to grab every 659 00:55:46.360 --> 00:55:50.960 dollar they can, it's like they want you to get used to registering everything. 660 00:55:51.440 --> 00:55:54.119 I think eventually they're going to have a registration fee for your air conditioning, 661 00:55:54.199 --> 00:56:01.280 and our registration for your weapons and our registration. And who do you 662 00:56:01.440 --> 00:56:09.079 think it's modeling? What state do you think we're modeling? I would say 663 00:56:09.440 --> 00:56:15.159 the Chinese state? Okay, but but now you're a hell of a good 664 00:56:15.159 --> 00:56:20.559 way to put it. We are California. I swear to god. It's 665 00:56:20.679 --> 00:56:28.239 almost like our legislators and our governor they so much want to be California. 666 00:56:28.360 --> 00:56:31.920 Well of course, I mean, why though there's the romantic crap show out 667 00:56:31.960 --> 00:56:36.639 there. I can't wait for that. What's that? I can't wait for 668 00:56:36.679 --> 00:56:39.719 the mass exodus like in California where all the high net worth people that are 669 00:56:39.719 --> 00:56:44.280 paying the majority of these taxes. I'll tell you what pisses me off more 670 00:56:44.280 --> 00:56:49.840 than anything. If you paid zero income tax and last year you got the 671 00:56:49.920 --> 00:56:53.000 same amount as someone that spent three hundred thousand in income tax, you get 672 00:56:53.039 --> 00:56:58.199 the same amount through tabor. That was the biggest money transfer I have seen 673 00:56:58.320 --> 00:57:01.760 in a long time. Well, you know what I've said this before. 674 00:57:04.000 --> 00:57:09.920 I think mixed government and philosophy and discussion and debate is a good thing. 675 00:57:10.440 --> 00:57:16.280 I think a lopsided government is bad thing, no matter who's on the lopsided 676 00:57:16.360 --> 00:57:21.760 side. And we're seeing this in Colorado. I mean, this state is 677 00:57:21.800 --> 00:57:28.599 going to hell. How can anyone say that our state is better off with 678 00:57:28.760 --> 00:57:34.320 Polis? How can anyone say that? How can anyone say that our city 679 00:57:34.719 --> 00:57:37.400 is better off with it? You use some math for me, real quick 680 00:57:37.440 --> 00:57:43.119 time. Forty eight point six million dollars to house one thousand people for a 681 00:57:43.199 --> 00:57:46.800 year. How many people is that? How much per person is it? 682 00:57:47.000 --> 00:57:52.519 Did you say forty eight thousand, forty eight point six million, oh, 683 00:57:52.639 --> 00:57:58.360 forty eight point hous a thousand people experiencing homelessness? How much is that per 684 00:57:58.400 --> 00:58:02.039 person? Okay, I'm going to tell you right now. It is forty 685 00:58:02.079 --> 00:58:08.360 eight thousand. Okay, isn't that insane? Forty eight thousand? Why not 686 00:58:08.440 --> 00:58:12.760 give them forty eight thousand and tell them to move to Hawaii? For the 687 00:58:12.880 --> 00:58:15.000 life of me, why would you spend that kind of money. I just 688 00:58:15.039 --> 00:58:19.320 don't even understand it. And then half of them are going to stay there, 689 00:58:19.639 --> 00:58:22.840 if not three quarters of them, because guess what they want to be 690 00:58:23.119 --> 00:58:27.760 homeless? Now, hold on a second, not everyone, But but I 691 00:58:27.800 --> 00:58:30.400 do want to say this. I did tell people they can get their problems 692 00:58:30.440 --> 00:58:34.599 solved, questions answered, all of that, and we're not, you know, 693 00:58:34.880 --> 00:58:37.159 we try to stay away from the fray. Now, let me explain 694 00:58:37.199 --> 00:58:42.840 this. We do have problems though that are affecting us on an everyday level. 695 00:58:43.280 --> 00:58:47.440 I mean, honest to God. But here's the deal. I don't 696 00:58:47.480 --> 00:58:55.039 think it's all one person's problem, or one party's problem or one I mean, 697 00:58:55.079 --> 00:58:59.880 it's just here's what's going on. Here's the real problem. You know 698 00:59:00.000 --> 00:59:06.000 what it is where they're running from. I mean, obviously we have to 699 00:59:06.039 --> 00:59:10.239 control our border to an extent and have some kind of a systematic way of 700 00:59:10.320 --> 00:59:15.480 accepting people if we do want to help people. But isn't the real problem 701 00:59:15.800 --> 00:59:21.840 why they're running to begin with? And what is the most ironic thing in 702 00:59:21.880 --> 00:59:30.159 the world. They are running from governments that, in many respects we're trying 703 00:59:30.199 --> 00:59:38.199 to mirror. Think about that. I mean, that is the most unbelievable 704 00:59:38.239 --> 00:59:45.800 thing in the world. That's what they're running from, a failed demonstration of 705 00:59:45.920 --> 00:59:52.039 governments we are, in essence, trying to mimic. We have more coming 706 00:59:52.159 --> 01:00:00.320 up. Go with a sure thing Denver's Best Ruffer roofing dot com. You 707 01:00:00.320 --> 01:00:07.360 don't pay a cent until you're content. Time for an insurance check up free 708 01:00:07.440 --> 01:00:13.599 no obligation. Comparison call Compass insurance paying too much your coverage at dozens of 709 01:00:13.639 --> 01:00:16.199 insurance companies. Find out now three oh three seven seven to one help. 710 01:00:16.360 --> 01:00:21.159 You'll think you're his only customer when you choose Frank durand the real estate man 711 01:00:21.199 --> 01:00:24.719 dot com to list your home with Remax Alliance three oh three nine two zero 712 01:00:24.800 --> 01:00:37.199 sixteen twenty two. Hi Tom Martino here three O three seven one three talk 713 01:00:38.800 --> 01:00:46.840 seven one three eight two five five. So when we're talking about water systems, 714 01:00:46.880 --> 01:00:52.800 plumbing and all of that, here's the bottom line is that you need 715 01:00:52.840 --> 01:00:57.480 to get what you need to get you don't There's no reason to get things 716 01:00:57.480 --> 01:01:00.159 you don't need. That's why waterpros dot net does that free water test. 717 01:01:01.559 --> 01:01:06.800 Not everyone needs to soften water. When do you need to soften water? 718 01:01:06.800 --> 01:01:12.719 How would you know? What does the test show? Anything that seven grains 719 01:01:12.719 --> 01:01:17.679 are above is considered really hard water. So hardness is measured by grain grains 720 01:01:17.719 --> 01:01:21.920 pergalan. This is what does that mean? This is solely for the purpose 721 01:01:21.960 --> 01:01:25.760 of water treatment, And so they give you a scale of zero, which 722 01:01:25.800 --> 01:01:30.320 is soft water, and then ten grains per galan, which is considered extremely 723 01:01:30.360 --> 01:01:37.159 hard water. I recommend water softening when you're ingrained into pergalen because at that 724 01:01:37.199 --> 01:01:42.320 point that's when the hard water is going to harm harm for other filtration, 725 01:01:43.079 --> 01:01:45.559 I mean water. Water filters do not operate in hard water. That's why 726 01:01:45.880 --> 01:01:49.960 you know it's refrigerator. If you have a water spout and you see a 727 01:01:49.960 --> 01:01:52.360 bunch of you know, build crud crut, that's right, hard water's penetrated. 728 01:01:52.400 --> 01:01:57.639 That filters not doing anything for you. Now on the so on the 729 01:01:57.719 --> 01:02:02.719 grains. When you find hard water and make it so, that's called softening 730 01:02:02.840 --> 01:02:07.519 or conditioning, that's softening. What is conditioning. Conditioning is when you do 731 01:02:07.679 --> 01:02:13.760 multi so you go soften the water and then take over chemicals, right, 732 01:02:13.800 --> 01:02:17.119 total cluing correct or you can do simply filtration and purification, or you can 733 01:02:17.159 --> 01:02:27.400 do softening correct And today's today's water supply with microplastics, the forever chemicals, 734 01:02:27.800 --> 01:02:31.679 pharmaceuticals, we know pharmaceuticals are there. What the water soft does is that's 735 01:02:31.719 --> 01:02:37.519 what reverse osmosis is designed to operate is in soft water. The bottle water 736 01:02:37.599 --> 01:02:42.960 problem is because they misused the technology of you know, commercial reverse osmosis, 737 01:02:43.039 --> 01:02:46.440 and so now they have the contamination issue. And I wish the IBWA, 738 01:02:46.559 --> 01:02:51.199 which is Independent Bottlewater Association, would have come out and said, hey, 739 01:02:51.199 --> 01:02:53.559 we're going to look at our manufacturing practices and do a better job. Instead, 740 01:02:53.599 --> 01:02:55.920 they came out and said, hey, you know, don't believe the 741 01:02:55.920 --> 01:03:00.800 science and just drink more water. Now that's Paul the waterman. If you 742 01:03:00.800 --> 01:03:05.800 have any questions three oh three seven one three talk three oh three seven one 743 01:03:05.840 --> 01:03:08.280 three eight two five five. Of course we're going to take more calls as 744 01:03:08.320 --> 01:03:15.480 well. So you know how people hide things from burglars? Do you know? 745 01:03:15.599 --> 01:03:21.719 Burglaries are up all over the country and especially in Colorado. In fact, 746 01:03:21.800 --> 01:03:30.519 Colorado is ridden with crime, uh, thefts, burglaries, car thef's, 747 01:03:30.039 --> 01:03:36.400 shoplifting, you name it. Colorado has become a sewer. I mean, 748 01:03:36.559 --> 01:03:38.280 I remember moving. I don't want to get into that. I sound 749 01:03:38.360 --> 01:03:44.039 like a crotchy old man, but we had a pristine state. People, 750 01:03:45.119 --> 01:03:52.840 So where do you think the first place the first place crooks look? According 751 01:03:52.880 --> 01:03:58.679 to the survey by law enforcement professionals who have investigated crime, mark, what 752 01:03:58.679 --> 01:04:01.239 do you think the first place is? But look when they come into your 753 01:04:01.239 --> 01:04:08.880 home bedroom, Yes, and were in the bedroom, You're right, you're 754 01:04:08.960 --> 01:04:17.000 right. Where very first closet dresser drawers and then the office desk drawers. 755 01:04:17.000 --> 01:04:29.000 So drawers are draw draw crooks. The next place closets, So drawers then 756 01:04:29.079 --> 01:04:39.280 closets. What else? This one shocked? How about Tom? They deputyat 757 01:04:39.320 --> 01:04:42.400 the hold on? You do deserve this? By the way, where is 758 01:04:42.480 --> 01:04:45.440 my I haven't used it in a while. Let me just use it. 759 01:04:45.880 --> 01:04:50.960 I don't if I stopped that. He's so that hold on? Where? 760 01:04:51.000 --> 01:04:57.199 Why am I having such a problem using it nowadays? Did you even hear 761 01:04:57.239 --> 01:04:59.719 it? No? You didn't. God, I'm just so bad at my 762 01:04:59.800 --> 01:05:04.960 day. You know what? There should be mandatory lessons on keeping your dinger 763 01:05:05.000 --> 01:05:11.519 healthy, basically is what I'm saying. I'm saying this right now. Okay, 764 01:05:11.559 --> 01:05:14.119 so I'm gonna do it right now. I gotta keep it healthy. 765 01:05:16.239 --> 01:05:23.280 There. That's horrifying. I'm sorry, Hillary, I didn't know you cared. 766 01:05:23.440 --> 01:05:30.840 We have more coming up. Go with a sure thing Denver's Best roofer 767 01:05:30.960 --> 01:05:38.119 Excel roofing dot com. You don't pay a cent until you're content. Time 768 01:05:38.159 --> 01:05:42.000 for an insurance check up free, no obligation. In comparison, call Compass 769 01:05:42.039 --> 01:05:45.719 insurance paying too much your coverage at dozens of insurance companies find out now three 770 01:05:45.760 --> 01:05:49.599 all three seven seven to one help. You'll think you're his only customer when 771 01:05:49.639 --> 01:05:54.360 you choose Frank durand the real estate Man dot com to list your home with 772 01:05:54.480 --> 01:06:09.599 Remax Alliance three all three nine two zero sixteen twenty two. Hi Tom Martino, 773 01:06:09.760 --> 01:06:15.800 your troubleshooter three three seven one three talk three oh three seven one three 774 01:06:15.880 --> 01:06:20.559 eight two five five. Welcome to the show. So I got Paul the 775 01:06:20.559 --> 01:06:24.639 Waterman with me from water Pros. We're talking water but we'll talk anything you 776 01:06:24.679 --> 01:06:29.239 want. But as I like to do from time to time is go over 777 01:06:29.320 --> 01:06:34.079 what we've had so we don't make the same mistakes. And here's something that 778 01:06:34.920 --> 01:06:43.239 came up. There is uh, Colorado is or actually is Federal Beneficial Ownership 779 01:06:43.280 --> 01:06:47.920 Information Reporting Forms. Mark. Somebody texted me saying that that guy gave out 780 01:06:47.960 --> 01:06:56.239 wrong information about that. He said, every owner of every business everywhere must 781 01:06:56.280 --> 01:07:02.760 fill out this new form called the Beneficial Ownership Information Reporting Form. Do you 782 01:07:02.760 --> 01:07:08.719 remember that? Yeah? Anyway, maybe wait wait but any business prior to 783 01:07:08.760 --> 01:07:14.039 twenty twenty is exempt long as they have well different things such as a physical 784 01:07:14.079 --> 01:07:21.280 location exactly exactly. Now, exemptions were massive, massive, meaning that very 785 01:07:21.320 --> 01:07:27.280 few businesses truly have to do it. Yeah, even if you have a 786 01:07:27.360 --> 01:07:31.320 new business, go with a sure thing Denver's best roofer Excel Roofing dot com. 787 01:07:31.360 --> 01:07:38.679 You don't pay a cent until you're content, wait time for an insurance 788 01:07:38.760 --> 01:07:44.199 checkup free, no obligation comparison call Compass Insurance paying too much your coverage at 789 01:07:44.239 --> 01:07:46.960 dozens of insurance companies find out now three o three seven to seven to one 790 01:07:47.079 --> 01:07:50.719 help. You'll think you're his only customer when you choose Frank durand the real 791 01:07:50.800 --> 01:07:56.400 estate Man dot com to list your home with Remax Alliance three oh three nine 792 01:07:56.400 --> 01:08:08.599 two zero sixteen twenty two rip tough news. You need advice who you don't 793 01:08:08.679 --> 01:08:15.960 have? Come running just as as as we can. Shooter's gonna help. 794 01:08:15.279 --> 01:08:23.279 Come man, This is the Troubleshooter Show. No Tom Martine. Hey, 795 01:08:23.399 --> 01:08:26.319 I'm Tom Martino. Welcome to the show. By the way, Ideal Home 796 01:08:26.359 --> 01:08:29.760 Loans still doing home loans with the interestrate guarantees, so when rates go down, 797 01:08:30.039 --> 01:08:33.079 they read finance you free of charge three oh three eight six seven seven 798 01:08:33.119 --> 01:08:39.800 thousand. And Compass Insurance Group is doing free insurance checkups for the asking three 799 01:08:39.880 --> 01:08:43.960 oh three nine nine six nine thousand. They have saved thousands of dollars for 800 01:08:44.079 --> 01:08:47.279 people just with a simple phone call to compare three oh three nine nine six 801 01:08:47.439 --> 01:08:55.600 nine thousand. Now I want to uh talk to Doc because I heard him 802 01:08:55.640 --> 01:08:59.199 talking to Bobba and off the air, and I was trying to get his 803 01:08:59.239 --> 01:09:04.760 attention because it sounded like he was arguing with Bubba, and I think Bubba 804 01:09:04.840 --> 01:09:09.439 was in the right. Well he had hold on. Let me first, 805 01:09:09.600 --> 01:09:14.600 let me lay it out. He said, on January fifteenth, he builtd 806 01:09:15.039 --> 01:09:18.680 power steering hose, so he drove home without power steering and it ruined us 807 01:09:18.680 --> 01:09:26.439 pump. It was towed to MUD's tires and they charged him four hundred bucks 808 01:09:26.439 --> 01:09:33.079 for a remanufactured pump. Bubba said that remanufactured pump never did work and he 809 01:09:33.119 --> 01:09:38.000 had to go somewhere else to get it replaced. Now, all I said 810 01:09:38.119 --> 01:09:43.720 was this, if he paid four hundred dollars for a remanufactured pump that did 811 01:09:43.760 --> 01:09:47.159 not work, he should get his four hundred back. Period he got no 812 01:09:47.319 --> 01:09:57.720 value. But if that four hundred resulted in a core credit of some kind, 813 01:09:58.039 --> 01:10:01.640 well then maybe just made be that core credit should be adjusted. But 814 01:10:01.800 --> 01:10:06.840 anyway, what did you find out when you called over and talked to Larry 815 01:10:08.000 --> 01:10:12.079 V. Hill at MUDs Well. He said that they put the pump in 816 01:10:12.439 --> 01:10:16.960 it was working, and that they did it twice, and that Bubba is 817 01:10:16.960 --> 01:10:23.359 saying he paid for a brand new power steering pump, and Larry is saying, 818 01:10:23.359 --> 01:10:25.840 well, no, it was a refurbished one. Well, hold on, 819 01:10:26.039 --> 01:10:29.880 no, no, Bubba told me he paid for a refurbished one. 820 01:10:30.119 --> 01:10:32.479 Say that again. Bubba told me when he called it was a it was 821 01:10:32.560 --> 01:10:36.279 a refurbished one. Right, Well, it's a power steering pump. They're 822 01:10:36.319 --> 01:10:41.439 all referbed. You never buy a brand new power steering pump. I don't 823 01:10:41.479 --> 01:10:44.279 know what the issue is not, what does that have to do with anything. 824 01:10:44.399 --> 01:10:46.439 If he paid four hundred, whether it was new, used, or 825 01:10:46.479 --> 01:10:51.319 whatever, he deserves his four hundred back. Well, Larry is intransient, 826 01:10:51.680 --> 01:10:56.079 and he basically saying, we did the work, we put in a pump. 827 01:10:56.439 --> 01:10:59.039 You never brought it back to us. You brought it to another mechanic, 828 01:10:59.600 --> 01:11:01.760 so it's on you. He said he took it back four times and 829 01:11:01.800 --> 01:11:04.680 it wasn't okay, couldn't get And then you know, Larry's saying that Bubba 830 01:11:04.720 --> 01:11:09.199 came into the shop, he was cursing, intimidating the people. It's that 831 01:11:09.319 --> 01:11:12.960 he said, She said, Tom, And I told Bubba we have no 832 01:11:13.039 --> 01:11:16.319 police power. We can't force Bubba. We can't force Larry to do anything. 833 01:11:16.600 --> 01:11:21.039 And if he feels that he's been unjustly charged for something, he can 834 01:11:21.039 --> 01:11:24.720 take him to smallest claim. I'd like to see, doc, I'd like 835 01:11:24.760 --> 01:11:28.199 to see the receipt. And if this guy bought a power steering bump and 836 01:11:28.439 --> 01:11:31.199 another shop is saying it's failing and it needs to be replaced, and they 837 01:11:31.199 --> 01:11:34.279 have a warranty, we should like this guy up. Okay, well, 838 01:11:34.319 --> 01:11:40.520 let's get a copy of the receipt right because he said he he Bubba said 839 01:11:40.560 --> 01:11:44.760 he went back there and they could it four times. I think he said 840 01:11:44.760 --> 01:11:47.279 four times. And and now the guy says, well, you didn't give 841 01:11:47.279 --> 01:11:51.600 me a chance. I'm just I'm just repeating what I get it. I 842 01:11:51.680 --> 01:11:59.640 get it, but it's Oh. Bubba is saying he paid for new for 843 01:11:59.680 --> 01:12:02.239 a new power seeing pump, and I told him that I was confused. 844 01:12:02.239 --> 01:12:06.279 They're all remanned. It doesn't matter. But it wouldn't matter. It doesn't 845 01:12:06.319 --> 01:12:10.840 matter, Doc, if it was four hundred, he paid four hundred. 846 01:12:10.880 --> 01:12:14.560 It doesn't matter what he paid for. I agree with you, but he's 847 01:12:14.600 --> 01:12:18.119 he's upset because he thinks he paid for a new one. Well, what 848 01:12:18.159 --> 01:12:21.880 difference does that make? Just one more thing he's upset about. That's all, 849 01:12:23.000 --> 01:12:26.039 okay, big deals. He paid four hundred dollars for something that didn't 850 01:12:26.079 --> 01:12:28.840 work. What difference does it make if it was new or used? It 851 01:12:28.880 --> 01:12:31.439 doesn't matter. He paid four hundred for something that didn't work. I mean, 852 01:12:31.520 --> 01:12:36.319 period, that's all. You limit his loss to what he paid because 853 01:12:36.359 --> 01:12:41.640 it didn't work. I agree. And and now it would be different if 854 01:12:41.640 --> 01:12:45.560 he got a new one for six hundred from the new guy. And he 855 01:12:45.640 --> 01:12:48.920 wants that, you know, he wants Larry to pay for the new one. 856 01:12:48.960 --> 01:12:54.760 Of course, not what Larry should do. If Larry truly installed a 857 01:12:54.840 --> 01:12:59.199 pump and Bubba got no value from it, he should get his money back 858 01:12:59.319 --> 01:13:03.760 if in fact truly was defective. Now, according to Larry V. Hill 859 01:13:03.960 --> 01:13:10.079 Over at MUDs, he replaced it twice, yet there is no receipt to 860 01:13:10.159 --> 01:13:15.680 prove that whatsoever kept the same one in there. Tom he's out of town. 861 01:13:15.760 --> 01:13:18.119 He's coming back tomorrow night. I will call him on Wednesday when he's 862 01:13:18.119 --> 01:13:23.439 in town and talk to him again. Yeah, okay, okay, good. 863 01:13:23.520 --> 01:13:28.399 And so Larry said he did the work and should be paid a great 864 01:13:28.479 --> 01:13:33.840 I agree, but I okay, and uh and Bubba saying he didn't. 865 01:13:34.520 --> 01:13:38.359 So we're going to figure it out. Three oh three seven to one three 866 01:13:38.399 --> 01:13:42.079 talk seven one three eight two five five. Welcome to the show. I 867 01:13:42.119 --> 01:13:45.920 want to go to Josh right now. I hope Josh is there. Josh, 868 01:13:45.000 --> 01:13:47.159 are you there? I was having some problem with the two. Are 869 01:13:47.199 --> 01:13:54.000 you there, Josh? Okay, I'm here, Tom right cool, Josh, 870 01:13:54.039 --> 01:13:58.960 listen. Uh. It's this Thursday. We're having our seminar our, 871 01:13:59.079 --> 01:14:05.319 our summit on retirement, and it's really important for me right now because people 872 01:14:05.359 --> 01:14:09.880 are confused as hell on what to do with free your retirement. You'd be 873 01:14:09.920 --> 01:14:13.960 shocked to how many people think savings accounts or iras or four to one k's 874 01:14:14.079 --> 01:14:19.439 or all of this stuff that constitutes a retirement plan. Can you shed some 875 01:14:19.600 --> 01:14:27.279 light on that, on the difference between elements and a plan. Absolutely. 876 01:14:27.319 --> 01:14:29.680 Tom. A lot of times when we sit with folks, they're like, 877 01:14:29.720 --> 01:14:30.960 oh, yeah, I've got a plan. I've got this four to one 878 01:14:31.039 --> 01:14:35.239 K, I've got this IRA and that's the start. Absolutely, But how 879 01:14:35.279 --> 01:14:41.000 do you use those retirement accounts? How does that play into your plan? 880 01:14:41.680 --> 01:14:45.640 What we're going to talk about it this Retirement Freedom Summit on Thursday with you, 881 01:14:45.760 --> 01:14:49.199 Tom is how to effectively use those accounts to make it last for the 882 01:14:49.239 --> 01:14:54.239 rest of your lives. How to minimize the amount of taxes that you pay 883 01:14:54.279 --> 01:14:59.119 on those funds. How do we create streams of income that's going to allow 884 01:14:59.199 --> 01:15:01.760 you to have com evidence in the future. You know, all those things 885 01:15:01.840 --> 01:15:09.319 work together, and simply having the account itself is not a plan. We're 886 01:15:09.399 --> 01:15:12.960 trying a certain amount of money or a percentage is not a plan. That 887 01:15:13.119 --> 01:15:15.880 may be an element of it, but it's not a plan of it because 888 01:15:15.920 --> 01:15:19.520 you could run out of money in it very easily. Absolutely, What do 889 01:15:19.560 --> 01:15:27.079 you think is the most overlooked, UH strategy for not running out of money? 890 01:15:27.119 --> 01:15:30.239 If you had to pick a strategy that's overlooked, Oh, without question, 891 01:15:30.319 --> 01:15:33.840 it's annuities. I mean, we're not an annuity shocked by any stretch 892 01:15:33.840 --> 01:15:38.079 of the imagination, Tom, as you well know. But we like annuities 893 01:15:38.600 --> 01:15:42.199 and they're overlooked because there's a lot of talking heads out there that don't make 894 01:15:42.279 --> 01:15:45.680 ongoing revenue about or from annuities, and so that's why they get a bad 895 01:15:45.760 --> 01:15:50.399 reputation in the marketplace. Okay, then another thing we talk to people a 896 01:15:50.439 --> 01:15:57.560 lot about spending down their assets so they can be eligible for a Medicaid facility. 897 01:15:58.000 --> 01:16:02.319 And so many times I would say, we've had people call and say, 898 01:16:02.359 --> 01:16:05.600 you don't want to be eligible for a Medicaid facility. You want to 899 01:16:05.600 --> 01:16:11.680 be able to get quality long term care if you need it. So what 900 01:16:11.720 --> 01:16:15.960 do you do about that? Yeah, So there's a lot of strategies that 901 01:16:15.960 --> 01:16:23.119 can be employed in order to have pretty decent long term care coverage going forward. 902 01:16:23.439 --> 01:16:26.760 And we're not saying go out and buy a long term care insurance policy 903 01:16:26.800 --> 01:16:30.000 because quite honestly, Tom, those can be expensive by the time people start 904 01:16:30.039 --> 01:16:33.920 thinking about those. And the issue you have is if you don't end up 905 01:16:34.079 --> 01:16:41.479 utilizing that coverage, you're out a lot of money over your most important years, 906 01:16:42.079 --> 01:16:45.680 being the years that you're not earning money and your retirement. So there's 907 01:16:45.720 --> 01:16:50.359 strategies that you could utilize long term care insurance but still have access to your 908 01:16:50.399 --> 01:16:55.119 money should you need it. I just want to give a little preview Thursday 909 01:16:55.199 --> 01:16:57.640 night, we're going to have this at six o'clock, and I want people 910 01:16:57.640 --> 01:17:00.079 to go to rpcenter dot com to find out more. But basically I want 911 01:17:00.119 --> 01:17:04.039 to ask you something just as a preview, What is I heard this expression 912 01:17:04.079 --> 01:17:09.199 you guys using this expression a tax explosion? What the hell does that mean? 913 01:17:09.319 --> 01:17:14.560 Yeah? Yeah, So for folks that have four and ks or irays 914 01:17:14.640 --> 01:17:17.720 and have sucked a lot of money into them over the years, we're not 915 01:17:17.760 --> 01:17:21.000 saying that's a bad thing, but there's going to come a time, whether 916 01:17:21.079 --> 01:17:27.199 it's upon retirement or whether it's when you get to required minimum distribution age, 917 01:17:27.199 --> 01:17:30.319 which is seventy three for a lot of folks nowadays, you're going to have 918 01:17:30.359 --> 01:17:34.039 to start drawing that money out, whether you need it or not, and 919 01:17:34.039 --> 01:17:39.560 that could incur some pretty hefty tax liability, and we want to help folks 920 01:17:39.560 --> 01:17:44.079 to minimize that as much as humanly possible. When they have to draw it 921 01:17:44.119 --> 01:17:47.920 out, the percentage they have to draw out, are they allowed to reinvest 922 01:17:47.960 --> 01:17:53.279 it again in something that could be or would that just count against them again 923 01:17:53.319 --> 01:17:59.399 for minimum distributions. No, they could reinvest, just not within those iras 924 01:17:59.479 --> 01:18:02.640 or four one case. Once they leave those accounts, okay, you can 925 01:18:02.640 --> 01:18:05.600 put them into like a brokerage account. You can put it into the savings, 926 01:18:05.600 --> 01:18:09.159 you can pay down debt. There's a lot of strategies that could be 927 01:18:09.199 --> 01:18:15.039 implemented in order, but they can't like going to a ross fund. No. 928 01:18:15.279 --> 01:18:17.760 So that is one thing that is not eligible to happen. If you 929 01:18:17.800 --> 01:18:23.159 pull out required minimum distributions, you have to pay taxes on those funds and 930 01:18:23.279 --> 01:18:29.079 cannot reinvest them into a rock that said any money on top of required minimum 931 01:18:29.159 --> 01:18:33.439 distributions. Yes, you could do a ROS conversion on those funds, okay, 932 01:18:33.880 --> 01:18:39.199 and I appreciate it. So ourpcenter dot com should have enough information for 933 01:18:39.239 --> 01:18:44.199 them on this absolutely yep. And it'll give you the link to register for 934 01:18:44.239 --> 01:18:47.920 the event on Thursday at six pm. I really think people should go here 935 01:18:47.960 --> 01:18:54.399 because I want to stress this is not about selling you anything. It's certainly 936 01:18:54.600 --> 01:18:58.159 while annuities are part of a plan, it is a very small part. 937 01:18:58.600 --> 01:19:01.640 So just go to our Peacecenter dot com. We have more coming up. 938 01:19:08.199 --> 01:19:12.479 Go with a sure thing Denver's best roofer Excel Roofing dot com. You don't 939 01:19:12.479 --> 01:19:18.439 pay a cent until you're content of time for an insurance check up free no 940 01:19:18.560 --> 01:19:25.479 obligation comparison call Compass insurance paying too much your coverage at dozens of insurance companies 941 01:19:25.560 --> 01:19:29.119 find out now three oh three seven seven to one help you'll think you're his 942 01:19:29.279 --> 01:19:32.239 only customer when you choose Frank durand the real estate Man dot Com to list 943 01:19:32.279 --> 01:19:46.680 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 944 01:19:48.840 --> 01:19:57.479 Hi Tom Martino, you're troubleshooter three O three seven one three Talk Trio three 945 01:19:57.640 --> 01:20:00.760 seven one three eight two five five. Welcome to the show. We're here 946 01:20:00.800 --> 01:20:05.800 to help you solve problems, to answer questions and take complaints. And we 947 01:20:05.880 --> 01:20:10.079 have Paul the water Man with us. But we're taking your calls on any 948 01:20:10.199 --> 01:20:14.920 and all items that you want to discuss Paul the water Man. Okay, 949 01:20:15.039 --> 01:20:24.720 So on water systems, people want to know if it matters or not. 950 01:20:24.960 --> 01:20:34.239 But does the soft water have any positive effects on your health? The softening 951 01:20:34.640 --> 01:20:40.680 softening of the water. We know purification, but we often get hazy when 952 01:20:40.680 --> 01:20:45.560 we talk about water softening. While water softening in and of itself does not 953 01:20:45.479 --> 01:20:49.840 actually filter the water, right, So what is your feeling on that? 954 01:20:49.960 --> 01:20:55.079 So water softener removes the hardness. So does that help your health? Absolutely? 955 01:20:55.119 --> 01:20:59.720 It helps the largest organ in your body with your skin. Okay, 956 01:20:59.399 --> 01:21:01.319 okay, all of that, you're right, you know, and and a 957 01:21:01.319 --> 01:21:08.079 lot of a lot of issues skin irritation X amount of issues can be you 958 01:21:08.119 --> 01:21:12.000 know, caused by hard water, the soap film, the soap sticking left 959 01:21:12.000 --> 01:21:15.479 over on your skin. That slimy, slickery feeling that I love is your 960 01:21:15.520 --> 01:21:19.119 pores opening up. And so that's you know, when you have when you 961 01:21:19.119 --> 01:21:23.359 don't have a water softer. It's like the washcloth test we did, yes, 962 01:21:23.520 --> 01:21:26.640 right, and you saw that trapped soap. So if the soap sticks 963 01:21:26.640 --> 01:21:30.079 in the washcloth, it sticks to the hair, it sticks on your clothes, 964 01:21:30.359 --> 01:21:33.039 it's on your skin. So absolutely, you know, the water softener 965 01:21:33.119 --> 01:21:38.399 is a big benefit phenol for your skin. Now, I hate to bring 966 01:21:38.439 --> 01:21:44.720 this up, but we must. There are softening or or advertised softening systems 967 01:21:44.760 --> 01:21:50.439 out there that don't work. How did they get away with them? I 968 01:21:50.439 --> 01:21:57.239 mean they're advertised by plumbing contractors and wow, what is the principle? Is 969 01:21:57.239 --> 01:22:00.680 it a magnetic principle? Yeah, there's no such thing as a free water 970 01:22:00.760 --> 01:22:04.319 softer. I was at a house the other day in Commerce City that had 971 01:22:04.319 --> 01:22:08.159 the halo that we talked about at the time. Yeah, okay, and 972 01:22:08.239 --> 01:22:11.640 so the halo's installed in in this couple's house. You know, they paid 973 01:22:12.000 --> 01:22:14.720 over five thousand dollars for it, and it did not soften the water. 974 01:22:14.720 --> 01:22:16.359 I mean the water test. I know you can show it. But here's 975 01:22:16.399 --> 01:22:20.159 what they say. Because I've talked to plumbers about this, and the Halo 976 01:22:20.359 --> 01:22:29.439 system is just outrageously priced and it is advertised all over as a softener. 977 01:22:29.600 --> 01:22:33.560 It's absolutely not. So you can actually test the water far and after, 978 01:22:33.840 --> 01:22:38.800 right, And so that the water hardness coming out of the halo was you 979 01:22:38.800 --> 01:22:43.079 know, fifteen grains per galon hard I mean that's extreme going on. It 980 01:22:43.119 --> 01:22:46.039 was the same same, So so okay. Then then when I asked somebody 981 01:22:46.039 --> 01:22:49.880 about that one time, somebody that I don't think is a bad person. 982 01:22:50.000 --> 01:22:56.159 I think they're smart and good people. They said, well, the water 983 01:22:56.359 --> 01:23:04.920 may measure as hard, but the hardness is not doing any harm because of 984 01:23:04.960 --> 01:23:10.800 the Halo system. So hard water, I'm just saying what I hear. 985 01:23:11.039 --> 01:23:15.239 And so hard water is a rock, it's a scale, and so in 986 01:23:15.359 --> 01:23:20.399 liquid form it's calcium carbonate. When air comes in contact to it, that's 987 01:23:20.439 --> 01:23:25.199 when it the scale precipitates out of the water. So tell me how a 988 01:23:25.359 --> 01:23:28.640 magnet is going to affect a rock. Well, here's what they claim. 989 01:23:28.680 --> 01:23:33.760 Again, I'm going by what they claim. They say that. They say 990 01:23:33.760 --> 01:23:40.159 that what they're doing is aligning the minerals so they don't deposit. So even 991 01:23:40.199 --> 01:23:48.199 though the water is hard bi chemically testing it it's or by you know, 992 01:23:48.279 --> 01:23:54.359 testing the elements, it doesn't do the harm. That's what they're I'm going 993 01:23:54.399 --> 01:23:58.000 by what they claim. I understand it. But see to me, like, 994 01:23:58.119 --> 01:24:02.079 has anyone actually opened up and compared them? I wonder because that would 995 01:24:02.119 --> 01:24:05.079 be the ultimate test, do you know? Stuck? So here, let's 996 01:24:05.159 --> 01:24:11.039 let's use their theory. If a magnet repolarizes the molecules, so then they 997 01:24:11.479 --> 01:24:15.760 are in there in suspended state that they don't oxidize. That's not true. 998 01:24:15.840 --> 01:24:18.520 Hardness is still going to oxidize, Calcium is still going to precipitate out of 999 01:24:18.560 --> 01:24:23.199 the water. They're not. And do you realize if that's the theory, 1000 01:24:23.239 --> 01:24:30.880 how can you polarize remagnetize a scale based mineral? Magnetism works on metals, 1001 01:24:30.079 --> 01:24:33.880 right, not all metals, but certain metals correct? Yes, Okay, 1002 01:24:34.039 --> 01:24:39.079 so then how can you take a magnet and say that you're going to suspend 1003 01:24:39.159 --> 01:24:45.359 something? Well, I'm looking at this one that says there are limitations of 1004 01:24:45.439 --> 01:24:50.119 traditional water softeners versus halo and again I'm only going by the only way you 1005 01:24:50.159 --> 01:24:57.039 can test water is by testing the hardness correct. So, but how isn't 1006 01:24:57.039 --> 01:25:00.359 it odd? And by the way, there's no question if I went with 1007 01:25:00.439 --> 01:25:03.920 a softener, it would not be hill on my own personal home. It 1008 01:25:03.920 --> 01:25:11.920 would be the conventional assault softeners, and especially the ones Paul the Waterman uses. 1009 01:25:12.039 --> 01:25:15.760 Now that's not because I think people are trying to cheat you. I 1010 01:25:15.800 --> 01:25:21.039 mean all over the country they're selling these damn things, these Halo systems, 1011 01:25:21.520 --> 01:25:25.000 and I don't know how they get away with it. I mean, how 1012 01:25:25.039 --> 01:25:29.039 does the FDA let them get away with it? Well, the FDA doesn't 1013 01:25:29.159 --> 01:25:32.840 is not regulated, and it goes into truth in advertising. That's the that's 1014 01:25:32.880 --> 01:25:38.680 one thing about it. But here's the Water Quality Association, which everybody that 1015 01:25:39.039 --> 01:25:42.720 you know is worth their salt in the water treatment industry as a member of. 1016 01:25:42.800 --> 01:25:46.640 And then they have you know what they call, you know, truth 1017 01:25:46.720 --> 01:25:51.399 and manufacturing and advertising practices that make you sign a ConA conduct. So there's 1018 01:25:51.439 --> 01:25:57.079 three companies out there that actively advertise ones Pelican and they know better and the 1019 01:25:57.159 --> 01:26:00.880 other one is Halo. And now I think has changed the website. If 1020 01:26:00.880 --> 01:26:05.720 you go directly to the website, I don't think the Halo website calls it 1021 01:26:05.760 --> 01:26:10.479 a water softer anymore. I think they actually called it a water conditioner. 1022 01:26:10.520 --> 01:26:15.159 I think they've changed that and Pelican is the other one. Now you know 1023 01:26:15.279 --> 01:26:17.800 water if they call it a water system, right, they're not calling it 1024 01:26:17.840 --> 01:26:23.079 salt free soften anymore, not on the website because you know that guy crased 1025 01:26:23.239 --> 01:26:26.479 water softening. Salt is just a detergent. It's not a filter media. 1026 01:26:26.520 --> 01:26:30.760 The salts converted to a saline and it's the sailing that rinses, including people 1027 01:26:30.840 --> 01:26:32.439 think it puts salt the water, right, doesn't at all. Salt is 1028 01:26:32.520 --> 01:26:35.720 used to scrub the filters, correct, That's all that's it. It creates 1029 01:26:35.760 --> 01:26:40.439 its own saline. So when the closed system, the salt doesn't get into 1030 01:26:40.439 --> 01:26:43.079 your water. Correct. And so when you when you go with the Halos, 1031 01:26:43.159 --> 01:26:46.560 it's it's activated carbon. And then at the very bottom the magnet that 1032 01:26:46.600 --> 01:26:50.079 they plug into the wall is one ten. So I mean that the power 1033 01:26:50.119 --> 01:26:55.840 that's going to it is is how much? So my reason why'm bringing that 1034 01:26:55.960 --> 01:27:00.640 up is because there's no way that you're going to suspend something for a long 1035 01:27:00.680 --> 01:27:04.600 period of time when it's sitting in you know, plastic pipe because the majority 1036 01:27:04.600 --> 01:27:09.119 of the home is our new homes are plumbed and pecks. So if the 1037 01:27:09.119 --> 01:27:12.319 theory was right, if you're an old house, you had copper pipe, 1038 01:27:12.319 --> 01:27:15.039 and then copper would copper, you know, continue the conductivity of the magnet. 1039 01:27:16.199 --> 01:27:18.039 I mean, that's what I'm trying to figure out. What, you 1040 01:27:18.079 --> 01:27:23.000 know, what why they would make these statements, and so in today's world, 1041 01:27:23.560 --> 01:27:26.239 you know, when you have a magnet. Magnets first came out tom 1042 01:27:26.279 --> 01:27:29.279 in the nineties. But but, but, but here's the deal. There 1043 01:27:29.279 --> 01:27:33.600 are some flat out, in my opinion, false statements on this website. 1044 01:27:34.159 --> 01:27:41.399 It says that traditional water softeners are priced higher than halo. I have never 1045 01:27:41.479 --> 01:27:45.119 seen that ever, never. I totally agree. Okay, another one, 1046 01:27:45.239 --> 01:27:47.079 and I don't want to listen. I don't mean to be controversial, folks, 1047 01:27:47.359 --> 01:27:53.399 but but there are so many people that are buying this and again, 1048 01:27:53.560 --> 01:27:57.920 I mean okay, and it says you're lack of filtering. Traditional softeners do 1049 01:27:58.000 --> 01:28:02.920 not filter contaminants. Ok. They are designed to address hard water with an 1050 01:28:03.000 --> 01:28:11.199 ion exchange, all right. And it says here that the resin bed inside 1051 01:28:11.279 --> 01:28:15.640 the softener can be damaged by chlorine. Is that true? Back in the 1052 01:28:15.720 --> 01:28:20.119 day. That's true. But now resin technology, you know, is designed 1053 01:28:20.159 --> 01:28:24.680 where they're you know, chlorine resistant. So if this was twenty years ago, 1054 01:28:24.760 --> 01:28:29.600 I totally would agree with that statement. But nowadays resume manufacturers have designed 1055 01:28:29.600 --> 01:28:33.000 the resin to deal with high chlorine content and it's a chlorine an we're other 1056 01:28:33.079 --> 01:28:39.319 thing traditional systems. This is what Halo is saying is an ion exchange with 1057 01:28:39.640 --> 01:28:45.439 salt as a regenerative, and it says leaving salt and drinking water. That 1058 01:28:45.600 --> 01:28:48.399 is absolutely not true. That's false. That's absolutely I mean, so people, 1059 01:28:49.079 --> 01:28:51.880 you know, I know, it's hard to believe that there are actually 1060 01:28:53.359 --> 01:29:00.600 falsities being done in marketing. And it says traditional soft AsSalt softeners require frequent 1061 01:29:00.680 --> 01:29:08.279 backwashing. Well, backwashing is a natural process to clean the filter halo. 1062 01:29:08.399 --> 01:29:14.000 The Halo system uses a backwashing control valve of the Halo five there. And 1063 01:29:14.039 --> 01:29:17.960 then there's some Halo systems that are just basically magnets that they clamp onto the 1064 01:29:18.000 --> 01:29:23.159 pipe. I'll tell you another one that that is the phony is that they 1065 01:29:23.199 --> 01:29:27.159 call the scale buster, where you know, it looks like a little amplifier, 1066 01:29:27.279 --> 01:29:30.000 right, a car amplifier that you would you know, use for a 1067 01:29:30.079 --> 01:29:35.600 stereo system and then they have wires that you wrap on. Here's the essence. 1068 01:29:36.000 --> 01:29:40.119 How do halo systems treat hard water? Here's the essence on their own 1069 01:29:40.159 --> 01:29:46.479 site. Unlike ion exchange systems that substitute salt for calcium and magnesium. Okay, 1070 01:29:46.600 --> 01:29:50.720 it actually does it. Actually they bind to it, they don't substitute 1071 01:29:50.760 --> 01:29:55.439 it. Right, So the byproduct of the water softenare sodium by carbonate, 1072 01:29:55.479 --> 01:29:58.960 which is baking soda. So the ion exchange, the calcium and the chloride 1073 01:29:59.000 --> 01:30:02.960 go down the drink. Right, that's exactly right. So you're not substituting 1074 01:30:03.039 --> 01:30:06.880 salt for that. You're not putting salt in the water. Correct. Now, 1075 01:30:08.000 --> 01:30:16.279 the halo ion inline water conditioner transforms calcium and magnesium into crystallized formations. 1076 01:30:17.279 --> 01:30:21.560 These I believe that. By the way, I believe that the crystallized minerals 1077 01:30:21.840 --> 01:30:29.199 are harmless and free from hard properties. So let's talk about it. So, 1078 01:30:29.560 --> 01:30:33.000 how can a magnet form something into a crystal? Well, But if 1079 01:30:33.039 --> 01:30:39.159 it does, I would like to know, has anyone actually had a long 1080 01:30:39.239 --> 01:30:44.960 term test of a conventional softener versus a halo and looked at the pipes themselves. 1081 01:30:45.560 --> 01:30:47.840 That would be the test. We had someone who had a boiler right 1082 01:30:48.079 --> 01:30:51.079 exactly right, that's how I was going to think. And this boiler ran 1083 01:30:51.279 --> 01:30:56.640 with a halo and it failed and it was clogged up well with hardness. 1084 01:30:56.439 --> 01:31:00.680 That's there's the proof right there. They lived up in outside of a kitchen 1085 01:31:00.880 --> 01:31:04.640 I think close to the person sold the halo system for along with this boiler, 1086 01:31:05.000 --> 01:31:10.279 and they were told, if you use this halo system, it will 1087 01:31:10.359 --> 01:31:15.000 keep the boiler from failing from hard water. Correct the right, within a 1088 01:31:15.039 --> 01:31:18.119 few years. It failed due to hard water exactly what not even a few 1089 01:31:18.159 --> 01:31:21.760 years, within months. But see, I find it odd. I find 1090 01:31:21.800 --> 01:31:29.720 it shocking and odd that such a well known system all over the country can 1091 01:31:30.239 --> 01:31:33.039 can just market it like this if it's not true, I mean maybe I 1092 01:31:33.079 --> 01:31:38.520 shouldn't find I don't know, or or maybe it's partially true or something, 1093 01:31:38.560 --> 01:31:42.520 because it just seems weird to me. Anyway, we have to take this 1094 01:31:42.640 --> 01:31:45.600 quick break three oh three seven one three talk seven one three eight two five 1095 01:31:45.640 --> 01:31:49.960 fives And speaking of uh, you know home your home eight eight eight heating 1096 01:31:50.000 --> 01:31:55.840 dot com, don't forget high efficiency replacement of your furnaces. So you saved 1097 01:31:55.920 --> 01:32:00.399 not only going in, but you save each and every month. They specializing 1098 01:32:00.439 --> 01:32:03.279 these high efficiency units at great prices. Three O three seven seven zero two 1099 01:32:03.359 --> 01:32:13.920 seven seven six eight eight eight Heating dot com. Go with a sure thing 1100 01:32:14.039 --> 01:32:17.439 Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 1101 01:32:17.520 --> 01:32:26.439 content. Wait time for an insurance check up free no obligation comparison call Compass 1102 01:32:26.479 --> 01:32:30.119 Insurance paying too much your coverage at dozens of insurance companies find out now three 1103 01:32:30.199 --> 01:32:33.840 oh three seven seven to one. Help. You'll think you're his only customer 1104 01:32:33.840 --> 01:32:38.479 when you choose Frank durand the real estate man dot com to list your home 1105 01:32:38.680 --> 01:32:51.279 with Remax Alliance three oh three nine two zero sixteen twenty two five. Tom 1106 01:32:51.319 --> 01:32:58.960 Martino, Your Troubleshooter three O three seven one three Talks seven one three eight 1107 01:32:59.000 --> 01:33:05.840 two five five. So I was reading some sciences view on Halo, and 1108 01:33:06.119 --> 01:33:14.239 we were talking about halo softening as compared to regular softeners, the conventional softeners 1109 01:33:15.399 --> 01:33:20.439 that do an ion exchange. And this guy who says he's an industrial water 1110 01:33:20.479 --> 01:33:32.960 treatment expert for twenty years plus says it's magnetic mumbo jumbo. He says, 1111 01:33:33.039 --> 01:33:40.720 first of all, using multi reversing permanent magnetic fields to affect a so called 1112 01:33:40.800 --> 01:33:47.960 ionic charge identity is pseudoscience, preying on the ignorance of people who do not 1113 01:33:48.279 --> 01:33:56.359 understand water chemistry. He says, first of all, they're experts, do 1114 01:33:56.479 --> 01:34:03.399 not even understand what's supposed to happen with magnetic fields. Anyone who seriously believes 1115 01:34:03.800 --> 01:34:13.119 that a magnetic field can alter the structure of calcium ions and prevent precipitation lacks 1116 01:34:13.359 --> 01:34:20.039 understanding of basic science in chemistry. This is a twenty plus year industrial water 1117 01:34:20.119 --> 01:34:28.479 treatment expert. Also, carbon will eventually be exhausted and require replacement, so 1118 01:34:28.520 --> 01:34:31.159 they use carbon as well. Paul, that's correct. Carbon is something that 1119 01:34:31.960 --> 01:34:38.319 gets exhausted rapidly in hard water. So don't they have replaceable carbon filters in 1120 01:34:38.319 --> 01:34:40.920 those systems. No, it's going to activated carbon, so you'd have to 1121 01:34:40.920 --> 01:34:45.359 come out and empty out the old carbon and put new carbon in, and 1122 01:34:45.439 --> 01:34:49.880 so carbon absorbs organics like a sponge. And he's correct. So what's going 1123 01:34:49.960 --> 01:34:56.520 to happen is is that activated carbon will be exhausted within a year. These 1124 01:34:56.560 --> 01:34:59.760 sorts have been around, These sorts of systems have been around for years. 1125 01:35:00.000 --> 01:35:06.319 Companies change their names and trademarks, and he says it's akin to gipsy driveway 1126 01:35:06.399 --> 01:35:11.760 paving companies. Wow, that guy was pretty harsh, and that was on 1127 01:35:11.960 --> 01:35:17.439 Quora. By the way. Again, you know, I have always been 1128 01:35:17.439 --> 01:35:25.560 amazed at the dichotomy of opinions when it comes not only to this, but 1129 01:35:25.640 --> 01:35:32.000 weight loss, stem cell therapy, anything. I mean, how people can 1130 01:35:32.199 --> 01:35:39.279 just straight out tell you one thing and another person will tell you exactly the 1131 01:35:39.399 --> 01:35:44.960 opposite, and they both can't be true. So what I have done, 1132 01:35:45.520 --> 01:35:47.800 what I've done in the past, is what I call the threat of truth, 1133 01:35:48.199 --> 01:35:55.439 and I believe consumers are should always employ what I call the threat of 1134 01:35:55.439 --> 01:35:58.800 truth. Now, let me explain this very very carefully right after this, 1135 01:35:58.880 --> 01:36:02.239 because it's honest to God important that you know how to discern what's called the 1136 01:36:02.239 --> 01:36:06.920 threat of truth. Some people call it a commonality of truth, but it 1137 01:36:08.039 --> 01:36:16.840 is absolutely the one system that I use when researching everything, absolutely everything, 1138 01:36:18.640 --> 01:36:23.479 and we need to talk about it coming up three O three seven one three 1139 01:36:23.520 --> 01:36:32.079 talks seven one three eight two five five Go with a sure thing Denver's Best 1140 01:36:32.159 --> 01:36:36.199 roofer excel roofing dot com. You don't pay a cent until you're content. 1141 01:36:40.560 --> 01:36:45.279 Time for an insurance check up free, no obligation in comparison call Compass Insurance 1142 01:36:45.439 --> 01:36:48.560 paying too much your coverage at dozens of insurance companies find out now three all 1143 01:36:48.640 --> 01:36:53.720 three seven seven to one help You'll think you're his only customer when you choose 1144 01:36:53.720 --> 01:36:58.119 Frank durand the real estate man dot com to list your home with Remax Alliance 1145 01:36:58.399 --> 01:37:09.159 three all three nine two zero sixty twenty two. Hi Tom Martino your troubleshooter 1146 01:37:09.239 --> 01:37:14.359 three oz three seven one three talk seven one three eight two five five. 1147 01:37:15.079 --> 01:37:18.760 So a lot of people are looking for romantic places for Valentine's Day, and 1148 01:37:19.279 --> 01:37:26.880 Colorado on the national list by the way of Romantic Restaurants, has a few 1149 01:37:26.960 --> 01:37:31.720 on there. Now they're not they're in the top one hundred in the country 1150 01:37:32.239 --> 01:37:36.760 the most romantic. But these are not necessarily high on the list, but 1151 01:37:38.119 --> 01:37:44.239 not terrible. We have one called Nocturn never heard of it, never heard 1152 01:37:44.279 --> 01:37:49.199 of it, nockturn. It's one of the most romantic restaurants in the country, 1153 01:37:49.479 --> 01:37:56.319 in the top one hundred, let alone in Colorado. And that comes 1154 01:37:56.319 --> 01:38:00.279 in around the country at number seventy three, which for the entire country doesn't 1155 01:38:00.279 --> 01:38:10.359 seem to be bad. It's called Nocturn Jazz and Supper Club. Now Social 1156 01:38:11.800 --> 01:38:17.359 comes in at like fifty one. That's an old town for Collins. They 1157 01:38:17.399 --> 01:38:23.760 say that's going to be very, very romantic, and then coming in at 1158 01:38:23.960 --> 01:38:30.159 fifty nationally. But in Colorado, I've been here. I love this place. 1159 01:38:30.600 --> 01:38:38.760 Odyssey Italian restaurant. Odyssey, and that is someone who's been around for 1160 01:38:38.920 --> 01:38:43.479 years. I know him and Nate. He started this years and years ago, 1161 01:38:44.079 --> 01:38:49.520 and he's had some restaurants before this. But it's a great restaurant. 1162 01:38:49.520 --> 01:38:53.680 It's been around since twenty twelve, so this one has been around for a 1163 01:38:53.720 --> 01:39:01.760 long time. Odissey Italian restaurant and then coming in at thirty one nationally, 1164 01:39:02.960 --> 01:39:10.640 so it's a really hot It's highly ranked nationally. Is Guard and Grace. 1165 01:39:12.960 --> 01:39:18.520 Guard and Grace. They're known for their stakes. I've never have you ever 1166 01:39:18.560 --> 01:39:21.920 heard of these? I've heard of Otyssey, Mark. Have you ever heard 1167 01:39:21.920 --> 01:39:28.039 of Social or Nocturn? And because you guys eat out a lot? What 1168 01:39:28.119 --> 01:39:33.119 about Garden Grace? Nope, no, neither of I isn't Garden Grace and 1169 01:39:33.600 --> 01:39:39.039 Union Station? Oh God? If it is, I don't know. Actually 1170 01:39:39.479 --> 01:39:43.640 not going there, you know, isn't that too bad? But I don't 1171 01:39:43.680 --> 01:39:49.239 know If it is in Union Station, let's see Denver. Let's see, 1172 01:39:50.000 --> 01:39:55.560 it doesn't really stay here. Let's see it is eighteen oh one California Street. 1173 01:39:55.840 --> 01:40:00.680 Is that that's not Union, it's not California. No, that's right 1174 01:40:00.680 --> 01:40:03.479 by the conventionster. Yeah, yeah, it's it is. It's a it's 1175 01:40:03.560 --> 01:40:09.039 okay, garden grace. But it looks it looks really nice. You know, 1176 01:40:09.119 --> 01:40:14.920 we've stopped going downtown. I hate to say that, but ah man, 1177 01:40:15.800 --> 01:40:18.319 it's too bad anyway. Like I said, we'll put up with it 1178 01:40:18.399 --> 01:40:21.680 until we won't put up with it anymore. So if you have a problem, 1179 01:40:21.720 --> 01:40:27.439 question complaining three oh three seven one three talk three oh three seven one 1180 01:40:27.479 --> 01:40:30.359 three eight two five five. We've been talking about water, water conditioning, 1181 01:40:30.359 --> 01:40:34.079 water filtration, water that and we were comparing the halo. But a lot 1182 01:40:34.159 --> 01:40:39.239 of people say use magnetic fields to align the particles in water so they don't 1183 01:40:39.239 --> 01:40:45.000 do harm. Many scientists are poohooing that and saying the only real way to 1184 01:40:45.039 --> 01:40:50.199 do an ion exchange is with a salted water softener and go with a sure 1185 01:40:50.279 --> 01:40:55.319 thing. Denver's Best Roofer excel roofing dot com. You don't pay a cent 1186 01:40:55.520 --> 01:41:01.319 until your content top of it. For an insurance check up free no obligation. 1187 01:41:01.319 --> 01:41:05.800 In comparison, call Compass Insurance paying too much your coverage at dozens of 1188 01:41:05.840 --> 01:41:10.399 insurance companies. Find out now three oh three seven seven to one help. 1189 01:41:10.600 --> 01:41:14.399 You'll think you're his only customer when you choose Frank durand the real estate Man 1190 01:41:14.439 --> 01:41:17.880 dot Com to list your home with Remax Alliance three oh three nine two zero 1191 01:41:18.039 --> 01:41:30.840 sixteen twenty two. Yeah, rit new need advice? Who you don't have? 1192 01:41:32.119 --> 01:41:39.439 Come? Run anxious suspasses? Can Shooter's gonna help? Come man, 1193 01:41:40.279 --> 01:41:46.239 this is the Troubleshooter Show. No Tom Martinez. Okay, we have been 1194 01:41:46.439 --> 01:41:51.399 on the air so many years. Oh my goodness three oh three seven one 1195 01:41:51.520 --> 01:41:58.560 three talks seven one three eight two five five still helping people recovering millions of 1196 01:41:58.680 --> 01:42:02.680 dollars in cash, merchandise exchanges, refunds and services. So I just want 1197 01:42:02.720 --> 01:42:08.680 to mention quickly that this hour brought to you by One Clear Choice Garage Door 1198 01:42:08.760 --> 01:42:13.359 is a wonderful garage door company for all your garage door needs. One Clear 1199 01:42:13.520 --> 01:42:17.199 Choice Garage Doors. All of their prices and services are listed here. One 1200 01:42:17.279 --> 01:42:27.479 Clear Choice Doors dot Com, Quick easy access, wonderful service. I've used 1201 01:42:27.520 --> 01:42:30.800 him so much for doors openers or any part of any part of the garage 1202 01:42:30.840 --> 01:42:35.439 door. Any problems one clear choice doores dot com. So we're talking to 1203 01:42:35.600 --> 01:42:41.520 Judy and Judy has a problem with a contractor. Judy, what's going on? 1204 01:42:41.760 --> 01:42:45.600 Welcome to the show, Judy, Thank you. Hi Tom. Well, 1205 01:42:45.640 --> 01:42:53.600 we are down in the Colorado Springs area and we hired a contractor to 1206 01:42:53.680 --> 01:43:00.720 go ahead and renovate our home. What he has done looks very good workmanship. 1207 01:43:00.840 --> 01:43:05.880 Issue we're having a problem with it is that he's taken three years and 1208 01:43:06.359 --> 01:43:13.800 seven and a half months to get us back in there. And wait three 1209 01:43:14.119 --> 01:43:19.520 years? Yes, wow, and we've been staying in a hotel this whole 1210 01:43:19.600 --> 01:43:25.840 time. My husband is one hundred percent permanent and totally disabled. Them. 1211 01:43:26.039 --> 01:43:30.680 By the way, have you ever contacted us before? No? Okay, 1212 01:43:30.800 --> 01:43:41.680 this I wonder if it's the same guy who's the contractor. I I don't 1213 01:43:41.720 --> 01:43:44.680 know if I want to say that, I don't know, because we've got 1214 01:43:44.840 --> 01:43:47.479 different things going on. Okay, what do you have going on that that 1215 01:43:48.239 --> 01:43:54.119 you might think you? Well, I investigated for using our credit cards to 1216 01:43:54.279 --> 01:44:00.319 purchase eighty five thousand dollars worth of stuff for other people versus use it on 1217 01:44:00.399 --> 01:44:05.199 our home. Okay, I want to know Judy this contractor are you back 1218 01:44:05.279 --> 01:44:10.680 in your home? No, we're not because now we have to fix things. 1219 01:44:11.840 --> 01:44:15.880 He was fired when the cops were there last week taking pictures. And 1220 01:44:15.000 --> 01:44:20.800 why were the cops there because they were letting. They were getting pictures to 1221 01:44:20.920 --> 01:44:27.359 make sure that there was proof that the items that he had used our credit 1222 01:44:27.439 --> 01:44:31.479 card for our credit card? Ye? Who? But who first reported it? 1223 01:44:31.840 --> 01:44:39.199 Did you? Did you notice it? We did? Okay, So 1224 01:44:39.319 --> 01:44:44.199 let me get this straight. You hire a Colorado Springs contractor three years ago? 1225 01:44:45.000 --> 01:44:50.760 Right, Actually, technically we hired him in twenty eighteen. I believe 1226 01:44:50.840 --> 01:44:55.520 it was to go ahead and redo our roof, and we asked him to 1227 01:44:55.640 --> 01:44:59.600 do an addition because it didn't make sense spending money to replace the roof if 1228 01:44:59.640 --> 01:45:01.880 we were to have an addition put on. So we've been working with him 1229 01:45:02.000 --> 01:45:08.720 all this time, okay, and he just he recently was fired. He 1230 01:45:09.680 --> 01:45:15.840 recently was fired. Now this eighty five thousand dollars in unauthorized charges? Were 1231 01:45:15.960 --> 01:45:25.199 those charges done over that whole period or recently? They were done December of 1232 01:45:25.520 --> 01:45:31.279 twenty ninth, No. Of twenty twenty and January February of twenty twenty two 1233 01:45:31.520 --> 01:45:42.520 twenty and when did you discover When did you discover them? Okay, all 1234 01:45:42.600 --> 01:45:46.600 right, sorry. My husband was in the hospital a lot when he went 1235 01:45:46.720 --> 01:45:51.840 in for COVID. He has Parkinson's and he was hospitalized two years ago with 1236 01:45:53.239 --> 01:46:00.239 COVID and I'm his full caregiver and it's been a lot of hospitalizations. Also 1237 01:46:00.239 --> 01:46:04.079 have two adult daughters with disabilities, and I'm also they're full caretaker. May 1238 01:46:04.119 --> 01:46:09.800 I ask you why you didn't notice that your bills were eighty five thousand dollars 1239 01:46:10.199 --> 01:46:16.720 higher we had, and I know we made lots of mistakes. Well, 1240 01:46:16.720 --> 01:46:20.439 wait a minute, how much? Let's maybe it's because your project was so 1241 01:46:20.600 --> 01:46:26.640 big? How much was your how much was the home renovation contract supposed to 1242 01:46:26.680 --> 01:46:30.600 be the whole thing? He didn't he didn't give us a contract. And 1243 01:46:30.760 --> 01:46:33.920 I know, how how could you ever hire people without a contract, not 1244 01:46:34.199 --> 01:46:38.920 knowing how much it was going to cost? You had no idea how much 1245 01:46:38.960 --> 01:46:43.640 it was going to cost? No, we didn't. We were Wait wait 1246 01:46:43.640 --> 01:46:45.119 a minute, what if it was going to cost a million dollars? Did 1247 01:46:45.159 --> 01:46:50.600 you have a million dollars? No? Really, Judy, I mean that 1248 01:46:50.720 --> 01:46:56.479 sincerely, did you have any idea what it was going to cost any idea 1249 01:46:56.720 --> 01:47:02.399 whatsoever? Roughly? Okay, Like, did you discuss that with him? 1250 01:47:02.520 --> 01:47:10.199 Roughly? What was it roughly supposed to cost? Roughly one hundred and fifty 1251 01:47:10.439 --> 01:47:15.840 for the edition, maybe class, roughly one hundred and fifty for the bank. 1252 01:47:15.159 --> 01:47:20.079 I thought it that would cost roughly, that would cost around one hundred 1253 01:47:20.079 --> 01:47:25.960 and fifty. I get it because you trusted him, right, Yes, 1254 01:47:26.079 --> 01:47:31.079 we did. Now this one hundred and fifty would that when you add up 1255 01:47:31.119 --> 01:47:38.239 everything you've spent so far, how much did it come to? We haven't 1256 01:47:38.279 --> 01:47:43.199 given him any money for a couple of years, but I want to know. 1257 01:47:43.439 --> 01:47:46.680 Hold on, I want to know now he's never given us any kind 1258 01:47:46.720 --> 01:47:49.479 of invoices. Yeah, no, no, no, I'm not asking any 1259 01:47:49.479 --> 01:47:53.239 of it. I'm going to make this real simple, Judy. I'm asking 1260 01:47:53.319 --> 01:48:00.560 a very simple question. In total transfer of wealth or money from you to 1261 01:48:00.199 --> 01:48:06.359 him? How much has it been since the beginning? And seventy five thousand 1262 01:48:06.399 --> 01:48:14.199 dollars? Does that include credit cards? Does that include the eighty five in 1263 01:48:14.279 --> 01:48:18.760 credit card? Yes? It does. Okay, so so far you have 1264 01:48:19.000 --> 01:48:27.880 paid Okay, so far, you've paid about one hundred and what seventy five 1265 01:48:27.960 --> 01:48:34.319 thousand? Okay? And that includes eighty five unauthorized correct. Okay, what 1266 01:48:34.520 --> 01:48:41.880 is your credit card balance right now? Well, we still own one credit 1267 01:48:41.960 --> 01:48:47.000 card. This was the course of this was on four or five different credit 1268 01:48:47.079 --> 01:48:54.279 cards and we only have one left payoff and I think it's about fifteen thousand. 1269 01:48:54.760 --> 01:48:57.760 Wow, you guys are doing great. Now. How much is it 1270 01:48:57.840 --> 01:49:02.079 going to cost to fix? What are you screwed up to finish? You 1271 01:49:02.199 --> 01:49:06.840 said the workmanship was fine? Right? Well right, but like I have 1272 01:49:08.079 --> 01:49:12.920 MS. So I had asked to have a wall eleven that had the French 1273 01:49:13.000 --> 01:49:16.359 doors, and he put a regular one in. The bookcase that he put 1274 01:49:16.399 --> 01:49:19.439 in for my husband is two and a half inches deep at most. So 1275 01:49:19.560 --> 01:49:25.000 he came a book on it, isn't it? The handicap thinks in the 1276 01:49:25.079 --> 01:49:30.079 master bathroom are twelve inches wide. And how about if you just give me 1277 01:49:30.199 --> 01:49:33.000 a total? How about just giving me a I don't know. I don't 1278 01:49:33.079 --> 01:49:40.840 know, because why didn't you notice all this stuff happening over the last nineteen 1279 01:49:41.840 --> 01:49:48.039 five years? We noticed no, none of this because I haven't been able 1280 01:49:48.119 --> 01:49:55.840 to be around him in the house or outside of the house. We have 1281 01:49:55.960 --> 01:50:01.359 been living in a hotel this entire time. Yes, because every single time 1282 01:50:01.720 --> 01:50:05.560 that we thought that we would get a house to rent. Oh no, 1283 01:50:05.680 --> 01:50:08.079 no, you're going to be in bye. Well, i'll have you in 1284 01:50:08.159 --> 01:50:10.199 by Thanksgiving, I'll have you in, by Christmas, I'll have you and 1285 01:50:10.279 --> 01:50:15.960 by Easter. And it never ever made sense for us to go ahead and 1286 01:50:15.039 --> 01:50:21.079 get a house to rent. And being a full time caregiver for three adults, 1287 01:50:21.239 --> 01:50:26.199 it's three full time jobs. There's nothing. I mean, I I 1288 01:50:26.640 --> 01:50:30.720 am all of It's left up to me. So I'm meeting myself, coming 1289 01:50:30.800 --> 01:50:35.520 and going with all of those responsibilities in my family takes priority. And so 1290 01:50:36.000 --> 01:50:40.960 there were things that if my husband was in the hospital and I was worried 1291 01:50:40.960 --> 01:50:43.720 about the blood cloth that he had that went from his hip all the way 1292 01:50:43.720 --> 01:50:48.760 to his knee, I didn't think about the house. This sounds and I 1293 01:50:48.840 --> 01:50:57.840 know that sounds really strange. My kids, Are you in Pueblo, No, 1294 01:50:57.960 --> 01:51:03.760 We're in Colorado Springs. And it was not until after my husband was 1295 01:51:04.199 --> 01:51:15.600 hospitalized that we found out that he was a felon. He had a friend 1296 01:51:15.680 --> 01:51:28.960 who was a bank loan officer don in Pueblo who was granting him uh loves 1297 01:51:29.079 --> 01:51:33.960 based on fraudulent financials, and so they both ended up going to prison and 1298 01:51:34.159 --> 01:51:41.760 they got he got out right before he found us or we found him, 1299 01:51:41.920 --> 01:51:48.560 whichever. And why don't you if he's under public investigation, just give me 1300 01:51:48.640 --> 01:52:00.920 his name? Brian Hetel, Brian Hetel, Brian Hetel, I mean, 1301 01:52:00.760 --> 01:52:08.000 where does he stand? Is he being arrested or what not? Yet that 1302 01:52:08.359 --> 01:52:15.279 it has to be the investigation has to be finished. This is a sad 1303 01:52:15.399 --> 01:52:21.640 state of events. Man, how are you spelling? HEATL H G A 1304 01:52:21.840 --> 01:52:32.199 D l e h E A D li Okay, listen, what do you 1305 01:52:32.279 --> 01:52:38.079 need from us? What were you hoping we could do for you? We 1306 01:52:38.199 --> 01:52:42.399 need an attorney to be able to try to get back some of these costs. 1307 01:52:42.760 --> 01:52:49.399 Does he have any money? And we need some sort of a decent 1308 01:52:49.520 --> 01:52:57.840 contractor who's going to do a good job. He not only has his own 1309 01:52:57.960 --> 01:53:02.159 construction company under his girlfriend his name, but he also worked with the pies. 1310 01:53:02.199 --> 01:53:11.800 Give me the name of the company. Award Construction, Award Correct Awards 1311 01:53:11.880 --> 01:53:16.920 Construction A W A R D Award. Okay, what was the other one? 1312 01:53:18.760 --> 01:53:26.000 Blue Ridge Contractors? And are they both his? No? The Blue 1313 01:53:26.079 --> 01:53:31.720 Ridge contract well, the Award Construction is owned by his girlfriend and Blue Ridge 1314 01:53:31.760 --> 01:53:38.000 Contractors. His buddy's dad owns it, and that's how he has his licensing 1315 01:53:38.279 --> 01:53:44.000 is through them. Who was your contract with? Who was our contractor? 1316 01:53:44.079 --> 01:53:45.920 I told you, Brian Hadel, No, who was your contract with? 1317 01:53:46.079 --> 01:53:58.640 Which company award construction? But every blueprint and every permit was pulled by Blue 1318 01:53:58.680 --> 01:54:06.720 Ridge Contractors. Oh my god. Well, I don't know what an attorney's 1319 01:54:06.760 --> 01:54:10.600 going to do this guy. I mean, you might just be wasting money. 1320 01:54:10.680 --> 01:54:15.520 I hate to tell you this. I mean, if this guy is 1321 01:54:15.600 --> 01:54:20.640 a bum and has no money, I mean, yeah, you probably should 1322 01:54:20.720 --> 01:54:24.680 talk to an attorney. I'll tell you, Mark, we have some good 1323 01:54:24.800 --> 01:54:30.039 contractors in the Springs area, really good ones, don't we. Yes, 1324 01:54:30.159 --> 01:54:33.279 we do. Who's the one that builds homes and also does home improvements? 1325 01:54:34.640 --> 01:54:40.279 He mostly does new homes, he does some home in I want to say, 1326 01:54:40.319 --> 01:54:43.239 it's called Garden of the Gods. Yeah, that's right. But and 1327 01:54:43.319 --> 01:54:47.279 then Genesis is up there. Yeah, you're right, Genesis. You know, 1328 01:54:47.399 --> 01:54:51.960 we might have them look at it. I'm wondering if I'm wondering if 1329 01:54:53.000 --> 01:55:02.239 we should have Genesis look at this. Gina give let's get her information and 1330 01:55:02.439 --> 01:55:08.920 see if what Mark would charge to fix this, what it would cost, 1331 01:55:09.039 --> 01:55:14.039 and what condition is it? In, Judy, do you think the workmanship 1332 01:55:14.159 --> 01:55:20.600 itself has to be redone or it just has to be completed. This is 1333 01:55:20.680 --> 01:55:25.800 going to sound really strange, but we had court site put in the shower. 1334 01:55:26.479 --> 01:55:29.159 He didn't ask us to come and look at it or anything. He 1335 01:55:29.319 --> 01:55:31.359 just put it in and it looks like a demon. I'm not joking, 1336 01:55:31.439 --> 01:55:36.039 I'm not exaggerating. He's doing things like this to go ahead and get under 1337 01:55:36.079 --> 01:55:43.800 our skin. A demon. So I don't think what's that? It looks 1338 01:55:43.920 --> 01:55:46.399 like a what? A demon? Do you have a place I can send 1339 01:55:46.439 --> 01:55:50.159 a picture? Yeah? Yeah, we do you Hold on now, this 1340 01:55:50.319 --> 01:55:54.520 is we got to take this break. This is getting really crazy. Hold 1341 01:55:54.600 --> 01:55:57.800 on, Judy, let's get this picture. I want to see it. 1342 01:55:57.920 --> 01:56:00.920 We got to put it up, she said. He on purpose did the 1343 01:56:02.159 --> 01:56:05.920 whatever some surface to look like a demon. Well, we're gonna look at 1344 01:56:05.960 --> 01:56:11.479 that. Three oh three seven one three talks seven one three eight two five 1345 01:56:11.640 --> 01:56:16.479 five. Man, this is sad. Pro Bid Energy is a solar company 1346 01:56:16.600 --> 01:56:24.039 you can trust. Probid Energy dot com a complete system for your home twenty 1347 01:56:24.079 --> 01:56:29.199 one thousand dollars with battery backup. That's after your tax credits. Three oh 1348 01:56:29.319 --> 01:56:39.960 three six two three fifteen thirty one. Go with a sure thing Denver's best 1349 01:56:40.039 --> 01:56:44.039 roofer Excel Roofing dot com. You don't pay a cent until you're content. 1350 01:56:45.640 --> 01:56:49.960 Wait time for an insurance checkup free, no obligation. In comparison, call 1351 01:56:50.119 --> 01:56:56.000 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1352 01:56:56.119 --> 01:56:59.359 three oh three seven to seven to one help. You'll think you're his only 1353 01:56:59.479 --> 01:57:02.279 customer when you choose Frank durand the real estate Man dot com to list your 1354 01:57:02.359 --> 01:57:10.560 home with Remax Alliance three oh three nine two zero sixteen twenty two. Hi, 1355 01:57:11.279 --> 01:57:16.960 I'm Tom Martine, your troubleshooter three O three seven one three talk seven 1356 01:57:17.000 --> 01:57:24.840 one three eight two five five. You know what? I don't want to 1357 01:57:24.880 --> 01:57:29.439 tell you what I see. But it's not a demon, but it is 1358 01:57:29.600 --> 01:57:38.239 something that I see Malva. Mark doesn't even know how to use the word 1359 01:57:38.560 --> 01:57:53.760 Delores. I see exactly Virginia and Dolores, Dolores being a part of Virginia. 1360 01:57:53.840 --> 01:58:00.479 But listen, I don't want to be disgusting, but I wouldn't shower 1361 01:58:00.560 --> 01:58:06.760 in that. I mean, Paul, what are you seeing it? Paul? 1362 01:58:06.800 --> 01:58:10.359 When you looked at her? Do you do you see me? I 1363 01:58:10.479 --> 01:58:15.399 saw Godzilla. You know, here's the deal. I don't think that was 1364 01:58:15.520 --> 01:58:19.479 done intentionally to offend her. I mean, I think that's stretching it. 1365 01:58:19.600 --> 01:58:23.560 Mark, what do you think, uh, Katchina, you're crazy? What 1366 01:58:23.640 --> 01:58:26.479 do you think? I meant crazy in a good way? By the way, 1367 01:58:26.600 --> 01:58:29.479 Oh, thank you so much that that's such a kind of compliment. 1368 01:58:30.439 --> 01:58:34.520 I can. I think Dragon nailed it when he said it's kind of a 1369 01:58:34.720 --> 01:58:40.840 war shock test. Yes, that's exactly what. Oh well, what does 1370 01:58:40.880 --> 01:58:45.960 that say about me? Are too symmetrical? Exactly? It's very symmetrical. 1371 01:58:45.039 --> 01:58:48.319 And I can see where she's going with demon. Yeah. I don't think 1372 01:58:48.359 --> 01:58:53.239 I'd like a symmetrical shower, like Yeah, I don't. I mean, 1373 01:58:53.279 --> 01:58:57.079 if it was tile, that'd be different. But this is it's almost those 1374 01:58:57.119 --> 01:59:00.800 sheets are those sheets are identical by the way, their mirror images, and 1375 01:59:00.960 --> 01:59:04.600 maybe they're meant to be like that. We are going to put it up 1376 01:59:04.640 --> 01:59:11.239 there for our YouTube and Facebook crowd. Maybe what you can't get it or 1377 01:59:11.279 --> 01:59:16.119 run? Oh I'm getting it. Okay, So but it is a weird 1378 01:59:16.800 --> 01:59:21.840 as weird. Judy, tell me about this guy. Tell me a little 1379 01:59:21.880 --> 01:59:27.920 bit about him, because you think he tried to irritate. Well, when 1380 01:59:28.000 --> 01:59:30.920 did things start going south? I mean, he's you met him at eighteen 1381 01:59:31.319 --> 01:59:34.399 nineteen, twenty twenty one, twenty two, twenty three. This has been 1382 01:59:34.520 --> 01:59:45.319 five years. The things started going south when I had the audacity to stand 1383 01:59:45.399 --> 01:59:48.840 up to him and tell him that we weren't going to give him any more 1384 01:59:48.920 --> 01:59:56.920 money until he that's what we got in the house. What has he been 1385 01:59:57.000 --> 02:00:01.359 working for the last two years without a payment? He has been working, 1386 02:00:03.560 --> 02:00:09.640 Yeah, I guess, but we're talking working a week on, six weeks 1387 02:00:09.680 --> 02:00:12.880 off. Yeah, but he's been working. He's been working. Do you 1388 02:00:13.039 --> 02:00:16.760 think do you think that's why he did those unauthorized charges? Because he figured, 1389 02:00:16.840 --> 02:00:18.880 screw them. If they're not going to pay me, I'm going to 1390 02:00:18.920 --> 02:00:24.359 get paid. No, Because that was at the very beginning of us being 1391 02:00:24.399 --> 02:00:28.600 in the hotel. I mean we've only been in here ninetys. You actually 1392 02:00:28.720 --> 02:00:31.079 have receipts that he signed. How do you know he used your How do 1393 02:00:31.119 --> 02:00:34.479 you know he used it? Did you trace any of the materials to other 1394 02:00:34.560 --> 02:00:43.760 people's homes? Yes, we did. Give me an idea, I'm sorry, 1395 02:00:44.319 --> 02:00:48.960 give me an idea of what you trace to other people's homes. Well, 1396 02:00:50.119 --> 02:00:58.680 concrete, an asphalt and a complete kitchen ade kitchen, and we don't 1397 02:00:58.760 --> 02:01:03.199 have kitchenad anything. Wait, can I ask you something. I don't do 1398 02:01:03.359 --> 02:01:06.920 too bad for myself, But I don't have an eighty five thousand dollars line 1399 02:01:06.960 --> 02:01:13.239 of credit on my credit card? Do you No? These were five different 1400 02:01:13.319 --> 02:01:17.920 credit cards that we put and took out specifically for him. He said that 1401 02:01:18.079 --> 02:01:24.600 it would not work and you never noticed. You never noticed these big balances 1402 02:01:24.680 --> 02:01:30.720 on each of these five cards. Please let me tell you what happened. 1403 02:01:31.439 --> 02:01:35.079 He said that he was not able to go ahead and have me meet him 1404 02:01:35.119 --> 02:01:41.880 at the different places. My husband was sick, so he said, go 1405 02:01:42.000 --> 02:01:45.199 ahead and sign this little disclosure gives me permission to use your credit cards. 1406 02:01:45.279 --> 02:01:48.079 So we did, and we gave him the numbers. Yeah, but you 1407 02:01:48.199 --> 02:01:54.359 had to be getting bills every month. Yeah, but like I said, 1408 02:01:54.439 --> 02:01:58.840 my husband was sick and we're stuck in so you weren't paying attention to the 1409 02:01:58.960 --> 02:02:05.439 statements every month. We were. But they didn't have itemized anything. I 1410 02:02:05.520 --> 02:02:09.039 mean they would have like, Okay, there was a little bit of building 1411 02:02:09.079 --> 02:02:12.319 supplies, or there was a cabinet that was purchased, or there was whatever, 1412 02:02:13.520 --> 02:02:16.199 And you're thinking and you're thinking, well, quite possibly we could have 1413 02:02:17.000 --> 02:02:21.560 done that. Well, yeah, because they were all different places. We 1414 02:02:21.920 --> 02:02:26.399 had concrete work done, because we with the addition we have, I got 1415 02:02:26.439 --> 02:02:30.279 it. Yeah. Have you looked him up? Does he have a lot 1416 02:02:30.319 --> 02:02:38.359 of complaints from anyone else? No? What do you think happened here? 1417 02:02:41.399 --> 02:02:45.159 I think that he did not. He's taking his hatred for me out in 1418 02:02:45.239 --> 02:02:47.800 my family. No, wait a minute, what do you mean hatred? 1419 02:02:47.920 --> 02:02:51.479 This sounds very What makes you think he hates you and that he would put 1420 02:02:51.560 --> 02:02:56.720 pictures in your shower? He would he would make it look like a demon. 1421 02:02:56.840 --> 02:03:00.199 I mean, that's those are pretty strong feelings and he probably thinks you're 1422 02:03:00.279 --> 02:03:06.720 nuts. But why Mark? But I'm because because she's saying that there's a 1423 02:03:06.840 --> 02:03:12.439 demon in her shower. How would you respond to that? Well? I 1424 02:03:12.920 --> 02:03:16.680 okay, it sounded a little weird when she told me that she thought he 1425 02:03:16.880 --> 02:03:21.680 did this on purpose. Okay, it's up right now? Is it on 1426 02:03:21.800 --> 02:03:27.479 YouTube? Yeah? Okay, look at the shower. Tell me what you 1427 02:03:27.600 --> 02:03:31.920 see. What do you see? Do you see a demon? I don't. 1428 02:03:31.920 --> 02:03:34.880 I really don't see the demon part, But I mean I see where 1429 02:03:34.960 --> 02:03:39.399 it's weird looking. It is weird looking. I mean, but I don't 1430 02:03:39.439 --> 02:03:43.119 know, are you going to have that whole thing redone? We have to. 1431 02:03:43.279 --> 02:03:46.800 We don't have any choice. Why our daughters, Because our daughters have 1432 02:03:46.960 --> 02:03:53.079 special needs. They're intellectually disabled, yet they can see faces and different things 1433 02:03:53.239 --> 02:03:56.279 like that, and it is going to freak them out. There's absolutely no 1434 02:03:56.439 --> 02:04:00.760 way. And even if you don't see, the demon of Pallas is very 1435 02:04:00.880 --> 02:04:06.479 obvious and what is I'm not going to subject them to that either. Oh 1436 02:04:06.560 --> 02:04:11.159 you mean yeah, like no, it looks like uh yeah, it definitely. 1437 02:04:11.439 --> 02:04:13.680 I'm just going to say. It looks like a vagina to me. 1438 02:04:15.520 --> 02:04:18.439 See to me, it looks more like the diepart. Never thought of that. 1439 02:04:18.640 --> 02:04:24.359 No, I don't see that. Yeah, you're looking the wrong way. 1440 02:04:24.840 --> 02:04:28.079 You're thinking of it going up, look down and you can see what 1441 02:04:28.119 --> 02:04:31.000 I'm talking about. Oh yeah, okay, okay, yes, is getting 1442 02:04:31.079 --> 02:04:39.000 really weird. I mean we're almost uh anything, it's an eagle. It 1443 02:04:39.079 --> 02:04:42.880 could be an eagle. You're right, it is as dragon put it the 1444 02:04:43.000 --> 02:04:45.479 best. What is it? Dragon? It's a test. We did have 1445 02:04:45.600 --> 02:04:47.800 a staff member here said it looked like an owl. No it is. 1446 02:04:48.039 --> 02:04:53.319 It's a Warshack test. That's exactly those ink blot tests. I'm just sure 1447 02:04:53.399 --> 02:04:57.600 the contractor didn't go, oh, I'm going to put up a demon head 1448 02:04:57.640 --> 02:05:00.520 in their shower. No, I don't think so. Tell me this. 1449 02:05:00.479 --> 02:05:05.960 Why would you think that he would put two twelve inch sinks separated by a 1450 02:05:06.079 --> 02:05:15.800 cabinet and recessed four inches for the handicap accessibility for my husband. That's crazy, 1451 02:05:16.479 --> 02:05:18.920 But I don't think he did it to punish you. He might just 1452 02:05:19.039 --> 02:05:23.720 be incompetent. You know, we need to try to call him, really, 1453 02:05:23.920 --> 02:05:25.880 get his number, hold on, get his number. We have more 1454 02:05:25.920 --> 02:05:28.720 coming right up. I'm Tom Martinez. Three O three seven one three eight 1455 02:05:28.840 --> 02:05:33.039 two five five. Go with a sure thing Denver's Best roofer Excel Roofing dot 1456 02:05:33.159 --> 02:05:40.840 com. You don't pay a cent until you're content. Time for an insurance 1457 02:05:40.920 --> 02:05:45.239 checkup, free, no obligation comparison call Compass Insurance paying too much your coverage 1458 02:05:45.279 --> 02:05:48.920 at dozens of insurance companies find out now three all three seven to seven to 1459 02:05:48.960 --> 02:05:53.680 one help. You'll think you're his only customer when you choose Frank durand the 1460 02:05:53.760 --> 02:05:58.279 real estate Man dot com to list your home with Remax Alliance three oh three 1461 02:05:58.399 --> 02:06:05.039 nine two zero sixteen twenty two. Hey, I'm Tom Martino, you're troubleshooter. 1462 02:06:06.640 --> 02:06:14.880 You know. I looked up Brian Headel, and I want to know 1463 02:06:14.880 --> 02:06:17.920 if it's the same one. I'm looking at Judy real quick. Here is 1464 02:06:18.000 --> 02:06:26.199 Brian about thirty eight years old he was when he went to prison. Yeah 1465 02:06:26.319 --> 02:06:32.960 he isn't so he was. This is real estate fraud, right, What 1466 02:06:33.159 --> 02:06:39.199 he went to prison for was loan fraud. That's right, that's the guy 1467 02:06:39.359 --> 02:06:44.199 I found him. Oh yeah, he in fact several several. I mean, 1468 02:06:44.960 --> 02:06:47.520 this guy's a bad dude. But I still don't know if he'd go 1469 02:06:47.640 --> 02:06:54.840 through all those I mean, he definitely this guy. This guy was in 1470 02:06:54.960 --> 02:07:00.600 prison for sure for this stuff. He was a banker. No he wait 1471 02:07:00.600 --> 02:07:04.399 wait wait wait, you're saying he was in prison for bad contracting or what. 1472 02:07:05.000 --> 02:07:11.079 No, No, he was in prison for loan fraud. Yes, 1473 02:07:12.199 --> 02:07:16.439 his friend was the banker. What where does that correspond with what we're dealing 1474 02:07:16.560 --> 02:07:20.920 with. Well, it just shows you she's not completely off by saying he 1475 02:07:21.119 --> 02:07:25.640 cheated her. I can see him doing these credit card things, can't you. 1476 02:07:27.720 --> 02:07:30.239 I don't know. She said she hasn't paid him in two years. 1477 02:07:30.319 --> 02:07:34.119 Now, hold on, Judy, we're going to try to get you back 1478 02:07:34.199 --> 02:07:38.159 on we're going to try to get Brian. Why don't you give his number 1479 02:07:38.199 --> 02:07:41.439 out? We would like to call him. Give it to Kachina. Why 1480 02:07:41.479 --> 02:07:44.880 are you? Why are you throttling us when we want to help you? 1481 02:07:46.920 --> 02:07:49.920 Because I thought I was going to get help, and you're yelling at me. 1482 02:07:50.520 --> 02:07:54.880 I'm not yelling at you. I'm yelling at the situation. It's frustrating 1483 02:07:55.159 --> 02:07:58.319 that this guy ripped you off to such a degree. I want to help 1484 02:07:58.399 --> 02:08:01.159 you, Okay, Judy, don't don't miss take that. I want to 1485 02:08:01.199 --> 02:08:05.800 help you. I don't think listen. I don't think the guy's probably putting 1486 02:08:05.880 --> 02:08:09.319 demons in the shower. But I do believe you've been ripped off. I 1487 02:08:09.439 --> 02:08:11.560 believe you. I do. I want to call him, though, and 1488 02:08:11.600 --> 02:08:15.800 I want to see what he has to say. Kitchena see if you can 1489 02:08:15.840 --> 02:08:18.279 get a number there. Jan. What's going on with you? Jan? 1490 02:08:20.760 --> 02:08:26.000 Hello? What's going on? Jan? I lost three thousand dollars for some 1491 02:08:26.199 --> 02:08:31.079 kitchen cabinet doors that I never received. Now where did you? How did 1492 02:08:31.119 --> 02:08:37.319 you lose the money? I paid them with a visa debit card. Who 1493 02:08:37.399 --> 02:08:45.159 did you pay the company? Cabinet Door World? And where are they? 1494 02:08:46.359 --> 02:08:54.800 They're in North Carolina. And how did you find him through my contractor? 1495 02:08:56.239 --> 02:09:03.800 And you paid them directly online? Yes? Correct? And what did you 1496 02:09:03.880 --> 02:09:11.439 pay this to get new cabinet doors? Yes? Okay? And when did 1497 02:09:11.520 --> 02:09:18.239 you pay it? On April tenth of last year? Uh? Oh, 1498 02:09:20.520 --> 02:09:28.079 So you paid three grand to Cabinet Door World for new cabinet doors in April 1499 02:09:28.159 --> 02:09:31.000 of twenty twenty three and you've not seen them at all. What do they 1500 02:09:31.119 --> 02:09:37.560 say about it? They don't say. All right, hold on a second, 1501 02:09:37.640 --> 02:09:41.880 we'll come right back to you. You know one thing I want to 1502 02:09:41.920 --> 02:09:43.640 tell you, renew Home Innovations. If she would have had him do the 1503 02:09:43.680 --> 02:09:50.279 bathroom, there would be no ugliness in that shower. I'm serious. He 1504 02:09:50.479 --> 02:09:54.640 does these stone resin walls that look exactly like stone, but they require no 1505 02:09:54.760 --> 02:10:00.880 maintenance. He does glass panels for the outside, he does perimitter dreams, 1506 02:10:01.039 --> 02:10:05.319 no thresholds for walking in and out. It's wonderful for elderly people, it's 1507 02:10:05.359 --> 02:10:09.520 wonderful for anyone. Custom beautiful showers done in two to three days, sometimes 1508 02:10:09.600 --> 02:10:13.479 one day, depending on the shower. But you have seventy two months to 1509 02:10:13.560 --> 02:10:18.279 pay with no interest. Wow. One, they're wonderful. Renew Home Innovations 1510 02:10:18.279 --> 02:10:22.000 dot com three oh three nine zero four two thousand. Go with a sure 1511 02:10:22.119 --> 02:10:26.600 thing Denver's best roofer Excel Roofing dot com. You don't pay a cent until 1512 02:10:26.640 --> 02:10:33.800 you're content. Three time for an insurance check up free, no obligation comparison 1513 02:10:33.960 --> 02:10:39.039 call Compass Insurance Paying too much your coverage at dozens of insurance companies find out 1514 02:10:39.079 --> 02:10:43.159 now three o three seven to seven to one help. You'll think you're his 1515 02:10:43.359 --> 02:10:46.279 only customer when you choose Frank durand the real estate Man dot com to list 1516 02:10:46.359 --> 02:10:50.760 your home with Remax Alliance three oh three nine two zero sixteen twenty two. 1517 02:10:54.000 --> 02:10:58.119 Tom Martino, Hey, listen, Jan, we may have to continue this 1518 02:10:58.239 --> 02:11:03.479 tomorrow. But you paid three thousand dollars to Cabinet World for new cabinet doors 1519 02:11:03.079 --> 02:11:07.000 in April of last year. We're coming up on a year. What do 1520 02:11:07.119 --> 02:11:11.560 they have to say about it? When you call them, they do not 1521 02:11:11.880 --> 02:11:16.159 get back in any form with either me or my contractor. Do they? 1522 02:11:16.199 --> 02:11:20.960 I mean, they're totally ghosting you. Are they still open? Well, 1523 02:11:22.039 --> 02:11:28.159 that's the question. And my contractor did that live thing where he could see 1524 02:11:28.199 --> 02:11:31.880 the business and there were vehicles there, didn't he called the business next door 1525 02:11:33.680 --> 02:11:37.079 and or across the street, and that business said, yes, we see 1526 02:11:37.920 --> 02:11:45.800 vehicles there, so something's happening, but it isn't my cabinet doors. So 1527 02:11:46.000 --> 02:11:52.399 you've never went. Do they even answer the phone? No, I've got 1528 02:11:54.319 --> 02:11:58.239 a phone number of facts, two emails, no responds. Give us that 1529 02:11:58.399 --> 02:12:01.039 information. We're going to try to get a hold of them and get you 1530 02:12:01.159 --> 02:12:03.960 on tomorrow. We're going to try to do this hold on. I don't 1531 02:12:03.960 --> 02:12:07.600 want to run out of time. That's a lot of money. By the 1532 02:12:07.600 --> 02:12:09.079 way, how did you make the payment? Was it by credit card? 1533 02:12:13.159 --> 02:12:16.199 Yeah, we'll get her tomorrow. If she made the payment by credit card, 1534 02:12:16.319 --> 02:12:18.880 that's fraud man. She can get her money back way over your year. 1535 02:12:20.000 --> 02:12:22.520 You generally have ninety days, I know, but with frauds sometimes they 1536 02:12:22.600 --> 02:12:26.319 extend it. Sometimes if you can say this was fraudulent from the get go, 1537 02:12:28.239 --> 02:12:31.239 they and especially if they still have an account. It's not a guarantee, 1538 02:12:31.279 --> 02:12:37.880 but it's something. She said, North Carolina. I think, why'd 1539 02:12:37.920 --> 02:12:41.760 you find one? No? No, no, it was local. Someone 1540 02:12:41.800 --> 02:12:43.920 could just go down there in person. Yeah, of course I missed where 1541 02:12:43.920 --> 02:12:46.479 they were. By the way, I want to remind people now, if 1542 02:12:46.520 --> 02:12:50.680 you want the if you want the greatest water systems at the lowest prices, 1543 02:12:50.720 --> 02:12:56.239 whether it's softening or conditioning, doing everything, or you know, which is 1544 02:12:56.319 --> 02:13:00.439 like a treatment, or you want just the drinking water. You're going to 1545 02:13:00.520 --> 02:13:05.000 get the best prices man from water Pros. And uh, Paul, what 1546 02:13:05.199 --> 02:13:09.840 else you got anything new on the pike. Yeah, we're working on a 1547 02:13:09.039 --> 02:13:13.479 tank list reverse OSMOSA system that we're going to put in the test market. 1548 02:13:13.600 --> 02:13:18.239 So it takes two gallons of water to make one gallon of drinking water, 1549 02:13:18.439 --> 02:13:20.960 but we're setting it up where it doesn't need the holding tank. Oh, 1550 02:13:22.600 --> 02:13:26.159 so that right, and so as right now in development, we can function 1551 02:13:26.439 --> 02:13:31.199 up to thirty minutes continuously. Uh, and then you know it has to 1552 02:13:31.279 --> 02:13:33.359 be reset. But that's something that we're that we're testing out right now. 1553 02:13:33.560 --> 02:13:37.279 Oh, that would be wonderful. And that's for drinking water. That's for 1554 02:13:37.399 --> 02:13:41.199 drinking water. And of course they have a system right now. How much 1555 02:13:41.319 --> 02:13:46.520 is that system fourteen ninety five fourteen ninety five installed at your kitchen sink for 1556 02:13:46.720 --> 02:13:50.760 all the drinking work you want? And that's Waterpros dot net three zero three 1557 02:13:50.319 --> 02:13:54.920 eight six two five five five four. Now, by the way, on 1558 02:13:56.119 --> 02:14:00.600 that Brian heatle in the Springs. She wouldn't give us a number. She 1559 02:14:00.800 --> 02:14:05.079 hung up, so we can't help her. We wanted to at least try 1560 02:14:05.119 --> 02:14:07.039 to get a hold of them and track them down. She won't cooperate at 1561 02:14:07.039 --> 02:14:13.560 all. Her daughter's been communicating with us on faith on excuse me YouTube, 1562 02:14:13.640 --> 02:14:18.159 so maybe we can make some progress there. But we did want to help 1563 02:14:18.199 --> 02:14:22.319 her. And speaking of helping spread the word around, you can call three 1564 02:14:22.399 --> 02:14:26.359 Zho three Martino twenty four seven three oh three sixty two seven eight four sixty 1565 02:14:26.399 --> 02:14:28.960 six save all your problems for me,