WEBVTT

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Yea ripped news. You need advice
when you don't have come running just as

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fast as we can. Shooter's gonna
help coming. Man Dix is the Troubleshooter

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Show. No Tom Martino, Hi
Tom Martino, your Troubleshooter three oh three

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seven to one three talk three all
three seven one three eight two five five.

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Get the x'es off the phone,
Open up those freaking lines. Let's

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get this open for business. Come
on, This isn't Michael Brown Show.

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We actually take phone calls here.
We talk to people Dragon anyway, welcome.

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What you need to do is call
if you have a problem, question,

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complain. But I want to start
out saying something I hope, I

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hope you understand what I'm saying,
because there's nothing like being misunderstood. Is

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Mark on remote, I don't know
he was going to be, but I

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don't want to be misunderstood, And
every time I talk about this, Mark

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misunderstands me. So I'm gonna I'm
not gonna even bring him up right now.

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If he's not on, he'll have
to speak for himself. But I

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brought this up one time, and
it had to do with the NBA and

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an owner in the NBA, and
he was in his apartment, in his

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penthouse, and he had a girlfriend
there, and he was talking about black

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players, and he was saying some
pretty disparaging things here and there. But

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in actual practice, he never ever
once in fact, he had mostly black

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players and never once really discriminated against
them. Now, listen carefully to this

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argument. I really want you to
weigh in on this. I'm serious.

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So he never really acted out what
he thought, but he said a few

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things. I don't know. He
just said a few things about black players.

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How do I even forget what he
said? It's not something we'd be

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proud of saying. And as a
result, there was a move to get

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him to sell the team and get
out of the league. They didn't like

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him. Now I want to say
something because this has something to do with

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today, with what happened recently with
the Kansas City field goal kicker. I

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don't know what his name is,
but the guy with the beard. He

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gave a commencement exercise speech if you
haven't heard about it, and he talked

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about to women. He said,
one of the best things I'm sure you're

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looking forward to is becoming a mom
and a house or a wife and a

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mom and having a family or whatever. I mean. Listen, I didn't

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hear the whole speech, but here's
the whole point. The point is this

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the guy in the NBA who said
things about blacks but doesn't act on it.

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He simply has private feelings and thoughts
we may not agree with, but

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they're private. They're feelings and thoughts. In fact, he never even said

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it publicly. His girlfriend taped him
in a privacy situation, and then once

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he was recorded, his private thoughts
and feelings were made known. Now this

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place goal kicker or excuse me,
this field goal kicker. He made his

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thoughts public about family, about sin, about different things. Okay, he

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made his thoughts public. Does he
still play football the same way? Yes?

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Did he ever do anything on the
team that would hurt the team?

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No? But because he expressed his
thoughts, his innermost beliefs and thoughts,

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now people are calling for Kansas City
to kick him off the team. Here's

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my point. If people have thought, thoughts, and feelings that are not

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in line with the mainstream, or
thoughts and feelings that they do not act

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on, they just have thoughts and
feelings. Like someone may say, oh,

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I think almost sexual he is disgusting. Okay, if someone says that

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but they never act on it,
they don't discriminate, I mean, or

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they say I don't like this,
or I think these people are lazy.

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I don't care what it is.
If they have an ignorant, stupid thought,

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as ignorant as we may think it
is. Are they allowed to have

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those thoughts and feelings and still exist? And if you don't think they should,

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then I have a very simple proposal. You should if you think that

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NBA owner should not have a team
because of his private thoughts and feelings,

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not something he's done. Now,
if he discriminated against players or did something

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on the team, he should get
his ass kicked out of the NBA.

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But he didn't. He was expressing
private thoughts, our innermost sanctum. We

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all have thoughts, I know,
we do. You walk in a room,

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you go that guy's in a hole, or that woman's that woman stinks

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or she's a bitch, or she's
beautiful or whatever. We all have private

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thoughts. Now, if you're going
to punish people for private thoughts and feelings,

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it's not fair, and I'll tell
you why. For example, the

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guy with chick fil A talked about
marriage. Okay, we may not agree

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with him. You may not agree
with him, but he never discriminated in

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his place of employment. In fact, it's always voted consistently one of the

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best places to work. So but
think about it. He had some thoughts

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and feelings. The guy at the
NBA had thoughts and feelings, and the

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guy now at the NFL has thoughts
and feelings. Once we know those thoughts

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are feelings, then we call for
action. Chick fil A shouldn't have a

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place in Chicago's airport. Chick fil
A shouldn't have a place anywhere. You

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know, in Denver, they were
trying to get Chick fil A out of

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the airport. I don't even know
if they're in the airport, but okay,

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and then now they want this guy
kicked off Kansas City and the NBA

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guy shouldn't own the team. The
point I'm making is this, if we

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are going to be consistent by penalizing
people for their thoughts and feelings, we

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should do a questionnaire before they're allowed
to own a team. We should do

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a questionnaire before they're allowed to play
football. We should do a questionnaire if

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you own a restaurant, or a
corporation. Why not. I mean,

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what we're saying, are we saying
this, it's okay to have those thoughts

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and feelings until we find out about
them. Now, Remember they're not they're

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not going out and preaching. This
guy at Chick fil A did not go

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out on a soapbox, someone asked
him in a private, in an interview,

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a public But he wasn't going out
campaigning against gay marriage. He never

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even thought about campaigning against it.
But his thoughts were expressed at one time

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or another, Like the NBA guy
has disgusting Who might think he is or

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even the field goal kicker for Kansas
City. If we think he's disgusting,

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If we think these people are disgusting, how many other players in the NFL,

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how many other NBA owners, and
how many other corporate heads feel the

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same way. We're never gonna know. So what are we saying? It's

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okay to feel that way as long
as we don't know it, or you

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shouldn't feel that way, think about
it. We want them penalized once we

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understand what they think, not what
they're acting on what they think, and

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if that's going to be consistent,
then what we should do is have a

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questionnaire that we give to everyone in
corporate America, in athletics, athletes,

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NBA owners, and FL owners.
How about this, how about Hollywood producers

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executive producers. Why don't we just
do a questionnaire and if they don't answer

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it correctly, then we know from
the beginning they shouldn't be in there.

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I mean, because that's really what
we're saying. We are saying that if

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you think or feel a certain way, you're not allowed to even if you

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do not act on it. Tom. But that's the whole genesis of the

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wol culture that they have. You
noticed I didn't use the word a woke

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or a conservative or liberal because I
think it goes both ways. I think

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there are people who are conservative who
find out someone is ultraliberal next door to

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them. They never knew it,
and now they don't want them as a

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neighbor. Okay, but keep going, what are you saying? I think

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it's a whole world culture where the
diversity is only diversity if you think the

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way they do, it's diversity as
long as you agree with me, it's

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not true diversity. But what I'm
saying is also the NFL, to their

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credit, said the guy is a
public He did it on his own time.

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We're not doing anything about it,
of course not. But the people

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who want him to leave, then
I'm going to answer those people. If

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you think he shouldn't be a field
goal kicker in the NFL, how many

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other players feel the way he does, a lot of them, probably you

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don't know. So what are you
going to do to find out? You're

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gonna route him out? Or are
you happy if they have them secret those

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feelings secretly. It's a very simple
proposition. Everyone should feel and act the

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way, not act. Everyone should
feel and believe anything they want, and

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we should not care. The only
time we should care is if their thoughts

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and feelings become actions against others.
That's actions against others. You can have

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sickos among us. There are people, and they're not always sickos. They

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just disagree. There's nothing fricking wrong
with disagreeing and having your own feelings about

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things, even if it's anti gay
marriage, even if it's anti Hispanic or

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anti black or anti Jew, even
if it is it's disgusting. I don't

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have those feelings, but you know
what, if someone does, they are

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allowed to as long as those feelings
and thoughts do not translate to discrimination and

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hate and violence there. I am
so sick and tired of people going on

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witch hunts unless they are acting out
and violating someone's rights, leave them alone.

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God Almighty, I'm telling you you're
as bad as Nazis. I'm Tom

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Artino. We have more. I'll
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Three oh three eight six two five
five five four. Okay, I'm

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gonna go to the phones, and
then I'm going to address Don Don lou

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Is, one of our YouTube morons. Don love to hear from you.

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He identified himself as black, so
I wouldn't have known that, but he

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said he's black. That's why I
brought it up. And I do want

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to address a couple of things he
said about my little tirade about thoughts and

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feelings. I said, thoughts and
feelings if you don't act on them.

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I want to know what people think. I want to know how they feel.

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I do. If they express it, I'm all for it. I'm

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all for hate speech if they if
they feel that way, because I want

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to know who they are. I
want to know how people feel. But

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if they don't, that's fine too. Here's what I'm getting at. We

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shouldn't we act as if if we
see hate speech on social media, oh

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my god, I'm gonna die.
Who cares. You can ignore it,

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or you can tell people, but
you can separate the idiots from others.

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I don't care. If I want
it leads to violence, well, I'm

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not saying you advocate violence. Mark. I'll look how this going on with

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Jewish people across the country. But
I'm not talking about violence, right,

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I'm not talking about advocating violence or
breaking the law that's breaking. The most

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of it start with hate speech.
Well maybe it does, Mark, but

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you know what, the hate speech
is not against the law. How about

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that. I think as long as
things are not against the law, we

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shouldn't bridge our freedoms. It is
against the law if you're on the right.

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Okay, now listen, here's what
I'm saying though, and thanks for

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signing on. So all I'm saying
is I want to know what people feel.

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It's not going to kill me to
see hate speech. It's not going

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to kill me to hear some idiot. I'll ignore the idiot. That's what

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I'm getting at now. As far
as just one thing Lou said about he

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says, you know, I want
to know what they feel and think.

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Okay, fine, But if you
want to be consistent, don lu said

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they have a private They do.
They have a private enterprise. It's like

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a boys club or just an exclusive
club, not a boy's okay, an

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exclusive club. So they don't want
him as an owner anymore. That's fine,

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But how many others feel the same
way. But you don't know it.

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So if you're going to be consistent, then before they become an owner,

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give them the quiz. Give them
the quiz. How do you feel

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about blacks? How do you feel
about you? How do you feel about

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this? How do you know what
I'm saying? You're going to let decide

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who you're going to kick out based
on catching him in his apartment. What

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you do is just come right out
in the open and say this. If

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you're going to have a restaurant at
the Chicago Airport like the mayor was,

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then like the mayor didn't want chip
fl A there, then you must believe

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in gay marriage. So I'm going
to do a survey on all of the

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restaurant owners. I mean, what
I'm getting at is you you route out

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who certain people who happen to speak
of something, So you're on a witch

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hunt or are you going to be
consistent? Let's just be That's what I'm

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getting at. If you're totally open
and honest, you will see how ridiculous

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it is if we had to do
a questionnaire to see where people stand before

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we are going to be friends with
them. Feld did an ingenious episode on

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this ingenius. He was trying to
bring out the idea that when you know

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how someone feels, it may change
the way you feel. But should it

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or not. Remember they were going
to this one Italian restaurant for years and

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years and years and they love the
guy. Do you remember the episode Mark?

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So of course I do. It's
the abortion EPs, that's right,

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Janet started? Is that a ning? Janet? No? Elaine, I'm

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sorry, Elaine. Elaine starts talking
about abortion that she finds out the guy

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is totally against it, she's totally
for choice, and blah blah blah.

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It all blows up. Anyway,
I'm going to go to the phones and

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talk to Joe. Joe, what's
going on with your two thousand and one

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blazer? Your Chevy blazer? It's
a two thousand and one? How many

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miles on it? Hey? Tom, it's Joe two hundred thousand? Whoa

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too? And you're calling because you
have transmission issues? You should call because

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it's for my daughter and she's never
responsible and want and so I just kind

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00:16:00.360 --> 00:16:03.279
of did you wait, wait,
did you just buy this for him or

205
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did you did they have it?
You know, I had done some work

206
00:16:08.360 --> 00:16:11.639
for got, an old friend of
mine, and he had it laying around,

207
00:16:11.679 --> 00:16:12.679
and he was like, just take
that thing and see what you can

208
00:16:12.720 --> 00:16:17.799
get out of it. So I
got it for just some labor that I

209
00:16:17.840 --> 00:16:21.279
did and yeah, well, you
know you're gonna have problems with it,

210
00:16:21.360 --> 00:16:23.159
right, What is wrong with it? Yeah? Yeah, So what it

211
00:16:23.279 --> 00:16:29.840
is is I was having shifting issues
and I went and she couldn't get in

212
00:16:29.879 --> 00:16:32.279
reverse, and went and got it
and brought it up here yesterday and then

213
00:16:33.799 --> 00:16:40.320
I ended up having to put three
courts of transmission fluid in it. So

214
00:16:40.440 --> 00:16:44.840
my question for one of you know, yeah go ahead camera transmission or something

215
00:16:44.960 --> 00:16:48.639
like that, would be is there
something that addative or anything that I can

216
00:16:48.679 --> 00:16:52.320
do, Like I'm looking for some
Jesus magic juice for that thing that's going

217
00:16:52.399 --> 00:16:56.039
to do a little American. Now
we're talking about this, what are the

218
00:16:56.080 --> 00:16:59.639
symptoms by the way of the transmission? What are the symptoms? So when

219
00:16:59.639 --> 00:17:07.279
I it seems like it skips right
through second gear, It goes from first,

220
00:17:07.480 --> 00:17:10.160
barely hit second, then goes to
third. That is no issue at

221
00:17:10.160 --> 00:17:12.519
all with me. I don't care
about that too much. The other issue

222
00:17:12.519 --> 00:17:17.319
that I'm having is it every once
in a while, you you can see

223
00:17:17.359 --> 00:17:21.759
the RPMs go up, which tells
me that it's okay. I get it.

224
00:17:21.839 --> 00:17:25.160
I get enough to I know enough
to say this, Joe, it's

225
00:17:25.240 --> 00:17:29.119
broken. The transmission has two hundred
thousand miles on it. Jeff. Yeah,

226
00:17:29.160 --> 00:17:30.400
you can't just grind grind something up, put it in a can,

227
00:17:30.440 --> 00:17:33.680
pork down the dipstick and hope it
goes. We're supposed to No, No,

228
00:17:33.720 --> 00:17:40.279
a two hundred thousand miles Chevy Blazer
TRANSMISSI would last how long? So

229
00:17:40.359 --> 00:17:42.759
you're on bar all time, Joe? But what's the cheapest way he can

230
00:17:42.839 --> 00:17:45.960
get this thing running? Do you
think it's going to require overhaul or if?

231
00:17:47.039 --> 00:17:49.480
I mean the cheapest way is once
you open it to go through it

232
00:17:49.519 --> 00:17:52.559
exactly. So I mean it just
depends on the extent of your damages.

233
00:17:53.359 --> 00:17:59.279
So if you're capable, Yeah,
how much? I mean what if he

234
00:17:59.359 --> 00:18:03.319
removes the rep places with the junk
yard transmission with maybe thirty thousand, it's

235
00:18:03.319 --> 00:18:06.119
a roll of the dice. But
trying to find a thirty thousand mile of

236
00:18:06.319 --> 00:18:10.519
for now for an one? Good
luck with that? Is this? Jeff?

237
00:18:10.759 --> 00:18:15.400
Yes it is, Hey, Jeff, So listen, then what do

238
00:18:15.480 --> 00:18:18.680
you think it's got two hundred thousand? The car has never been wrecked.

239
00:18:18.720 --> 00:18:25.920
It's otherwise in pretty darn good shape
to pull that transmission and go through it

240
00:18:25.920 --> 00:18:27.480
and put put it back in there. What just off the top of your

241
00:18:27.480 --> 00:18:30.240
head, I won't hold you to
it. What do you think that's kind

242
00:18:30.240 --> 00:18:33.519
of running? Just depending on how
much is found at the time of disassembly.

243
00:18:33.920 --> 00:18:36.920
Low sides probably a run around twenty
four to twenty five hundred, High

244
00:18:36.960 --> 00:18:42.440
sides probably kissed them four Yeah,
okay, well I appreciate that. What

245
00:18:42.480 --> 00:18:45.839
do you think the car would be
worth? Man? After you do that,

246
00:18:45.920 --> 00:18:49.480
though? How's the engine? Oh? I don't think it's worth I

247
00:18:49.519 --> 00:18:56.000
don't think it's worth you know,
I don't know. Twenty five hundred bucks?

248
00:18:56.000 --> 00:18:57.640
Totally no, But I mean once
you do that work, though,

249
00:18:57.680 --> 00:19:02.920
there is value to having. Yeah, what I'm trying to do is get

250
00:19:02.960 --> 00:19:06.680
her down the road for about two
years. That's the body in good shape.

251
00:19:07.880 --> 00:19:11.160
Yeah it is. It's a nice
little truck. Go ahead. That's

252
00:19:11.200 --> 00:19:12.920
kind of the other's a train of
thought too, though. I mean,

253
00:19:12.920 --> 00:19:15.920
okay, so, yeah, four
thousand's worth more than the vehicle. But

254
00:19:17.039 --> 00:19:18.720
take that same money and what are
you going to buy a vehicle for four

255
00:19:18.799 --> 00:19:22.240
grand? What are you going to
get you're most likely going to come see

256
00:19:22.359 --> 00:19:26.680
meet or Kevin or somebody anyway.
And what we're getting at is math doesn't

257
00:19:26.720 --> 00:19:30.319
lie. Life is its own teacher. If you spend your saying four grand,

258
00:19:30.319 --> 00:19:33.960
maybe you get by cheaper. But
let's say four at the outside.

259
00:19:33.440 --> 00:19:37.359
The engine, though, that has
two hundred thousand miles. Now that can

260
00:19:37.400 --> 00:19:42.079
go much farther if it was taken
care of. But was it? Yeah?

261
00:19:42.119 --> 00:19:48.720
Well how about the interior and the
body? How's that it's? Then

262
00:19:48.799 --> 00:19:52.599
it's in really good shape. There's
no tears on the interior. And tell

263
00:19:52.640 --> 00:19:53.920
me why you're going to go down
the road for two years? Tell me

264
00:19:53.960 --> 00:19:59.240
why you're looking at two years?
Gets to get her and her new husband

265
00:20:00.160 --> 00:20:04.000
a little further away from me because
I can't. I'm not going to do

266
00:20:04.039 --> 00:20:07.799
this forever, and I'm just trying
to help her mainly. Well, you

267
00:20:07.839 --> 00:20:14.119
know what would be better? Tell
me? Do they work? Yeah?

268
00:20:14.319 --> 00:20:17.039
Okay, well you don't. You
got this for some work you did,

269
00:20:17.400 --> 00:20:21.920
so you can probably sell it for
pennies, but you But but what you

270
00:20:22.000 --> 00:20:26.720
do is you give them a good
down payment on a new car that has

271
00:20:26.200 --> 00:20:32.240
special financing and a ten year warranty, and then you know, then all

272
00:20:32.279 --> 00:20:34.960
they have to do is ensure it
and make the payments. Yeah, that's

273
00:20:36.039 --> 00:20:37.799
kind of a good idea. It's
a really good idea. Because I'm going

274
00:20:37.880 --> 00:20:42.319
to tell you this, if you
advertise the cost of that to getting this

275
00:20:42.519 --> 00:20:47.519
used car then another used car plus
all of the repairs, I have made

276
00:20:47.559 --> 00:20:53.599
this a case of time and time
and time again. Your money ahead if

277
00:20:53.880 --> 00:21:00.440
you if they take care of it
and do the maintenance and take it advantage

278
00:21:00.440 --> 00:21:06.440
of the warranty. If you There's
another thing, if you can find a

279
00:21:06.559 --> 00:21:10.920
cherry used car that we all hear
about that's not out there for four or

280
00:21:10.960 --> 00:21:14.519
five grand, that'll last you ten
years. This used to be the case.

281
00:21:14.799 --> 00:21:18.880
Every once in a while we'd come
across one. But then nowadays you

282
00:21:18.880 --> 00:21:22.240
don't find you don't find him anymore. I mean you might one in a

283
00:21:22.359 --> 00:21:26.960
thousand. I'm just thinking, you
know what, I would give up the

284
00:21:27.000 --> 00:21:30.720
ghost. I would I would give
them a down payment. They can they

285
00:21:30.839 --> 00:21:37.720
qualify for a loan? I don't
think so. Well, don't don't co

286
00:21:37.880 --> 00:21:41.079
sign. That's where whatever, you
don't go. No, but okay,

287
00:21:41.160 --> 00:21:45.119
well they can't even qualify for a
loan. I don't know what to tell

288
00:21:45.160 --> 00:21:48.759
you. I mean that would have
been a good idea, really a good

289
00:21:48.759 --> 00:21:52.519
idea, but the best to you. Man. We gave you our opinions.

290
00:21:52.400 --> 00:21:59.079
Aaron. What's happening in Aaron?
What's going on? Hey? Tom?

291
00:21:59.200 --> 00:22:02.960
I have a twenty one cross track. I've got tail damage last summer.

292
00:22:03.119 --> 00:22:07.400
I got an estimate from a shop
and Boulder and it was about ten

293
00:22:07.440 --> 00:22:12.400
thousand dollars. Well is insurance going
to cover it? Man? Yep,

294
00:22:12.519 --> 00:22:15.400
State Farm is covering it. All
right, hold on, hold on a

295
00:22:15.440 --> 00:22:18.519
second and I'll come right back to
you. Okay, because you said a

296
00:22:18.559 --> 00:22:29.480
couple things that concerned me. One
is called State Farm. Go with a

297
00:22:29.519 --> 00:22:33.839
sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent

298
00:22:33.079 --> 00:22:41.559
until you're content. Time for an
insurance check up, free no obligation comparison

299
00:22:41.680 --> 00:22:45.799
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

300
00:22:45.839 --> 00:22:48.920
now three O three seven to seven
to one help. You'll think you're his

301
00:22:49.079 --> 00:22:53.039
only customer when you choose Frank durand
the real estate Man dot com to list

302
00:22:53.119 --> 00:23:03.720
your home with Remax Alliance three three
nine two zero sixteen twenty two. Tom

303
00:23:03.720 --> 00:23:07.799
Martino, your troubleshooter three all three
seven one three talk three all three seven

304
00:23:07.920 --> 00:23:12.400
one three eight two five five.
Aaron now has a question about bodywork where

305
00:23:12.480 --> 00:23:15.440
we were talking about. So,
Aaron, where did we leave off here?

306
00:23:17.119 --> 00:23:21.640
Go ahead, sir, Yeah,
I brought the car into a body

307
00:23:21.640 --> 00:23:25.000
shop in Boulder. Yeah. And
then when I got it back, I

308
00:23:25.119 --> 00:23:27.599
noticed, like a something was wrong
with the roof. And the guy was

309
00:23:27.640 --> 00:23:30.559
like, now you're just seeing a
reflection. I'm like, okay, but

310
00:23:30.640 --> 00:23:33.160
what did they do to it?
Though? Like how much did they do?

311
00:23:33.240 --> 00:23:38.559
And what did they do? Ten
thousand dollars? They repaired the replaced

312
00:23:38.640 --> 00:23:44.720
the hood and repainted it and then
PDR the rest of the car. Okay,

313
00:23:44.920 --> 00:23:51.599
and what Okay? So basically hail
damage, body shop repair, unhappiness.

314
00:23:51.720 --> 00:23:56.119
What is the unhappiness? Specifically that
the hood, I mean should be

315
00:23:56.160 --> 00:24:02.240
the lid, the roof, the
the paint, the panels, the front

316
00:24:02.319 --> 00:24:07.079
and left vendor panels don't line up
with the A pillars, the foot doesn't

317
00:24:07.079 --> 00:24:10.720
line up with the bumpers. God, okay, we're talking mad, We're

318
00:24:10.759 --> 00:24:15.759
talking major stuff. I mean they
did bad. I mean you're talking about

319
00:24:17.000 --> 00:24:22.160
a bad job all around, I
believe. So when I how did you

320
00:24:22.240 --> 00:24:26.559
find this body shop? Man?
How'd you find them? It was a

321
00:24:26.559 --> 00:24:30.640
State Farm preferred vendor. And then
I did a query on them, and

322
00:24:32.000 --> 00:24:34.680
well, State Farm sucks, and
I imagine their vendors suck. And I

323
00:24:34.680 --> 00:24:38.200
don't know what to tell you,
man, So, okay, does State

324
00:24:38.319 --> 00:24:44.119
Farm say? Does State usually when
you use a preferred shop, State Farm

325
00:24:44.119 --> 00:24:45.200
says they're going to stand behind it. So what are they going to do

326
00:24:45.240 --> 00:24:52.480
about it? H Yeah, So
they said I can bring it back to

327
00:24:52.519 --> 00:24:55.160
them, which I did. And
so there was nibs in the hood,

328
00:24:55.240 --> 00:24:59.319
which are little paint sticking up through
the clearcoats and they were really sharp,

329
00:24:59.599 --> 00:25:03.480
and so they fanded them off,
but they didn't do any kind of refinishing.

330
00:25:03.279 --> 00:25:06.839
And I asked them if they could
line the bumper up with the hood,

331
00:25:07.119 --> 00:25:10.759
and they said they'd try, And
instead of lining the bumper up with

332
00:25:10.799 --> 00:25:15.000
the hood, they just gently closed
the hood so that it latches. So

333
00:25:15.880 --> 00:25:21.160
it still sucks. If you took
this car to someone else, they would

334
00:25:21.200 --> 00:25:25.880
agree that this sucks. I did
take it to someone else. I went

335
00:25:25.880 --> 00:25:29.400
on to Super of America's website.
Yeah, and got a body shop from

336
00:25:29.440 --> 00:25:33.759
Super of America that's nearby me.
And they want twenty thousand dollars. What

337
00:25:33.759 --> 00:25:40.839
do you mean what is your car
worth by at the time of hal damage,

338
00:25:40.880 --> 00:25:44.480
probably like twenty four Well then it
would have been totaled, which was

339
00:25:45.279 --> 00:25:48.759
yep. So you got a couple
problems here. You got to fight.

340
00:25:49.160 --> 00:25:55.359
You got to fight for this to
be totaled. Okay, I mean you

341
00:25:55.440 --> 00:25:57.960
got to fight State Farm. State
Farm is a bad company. I told

342
00:25:59.000 --> 00:26:03.160
you that before. You're going to
have an uphill battle. But you're going

343
00:26:03.240 --> 00:26:06.799
to have to fight for them.
It's it's not a matter of body work

344
00:26:06.839 --> 00:26:11.279
anyway. It doesn't matter what they
did with the body because you're saying that

345
00:26:11.319 --> 00:26:15.599
this news shop says to make it
right would be twenty grand. Yep,

346
00:26:15.680 --> 00:26:18.640
that's what they're saying. It will
start at They need to pull the startup,

347
00:26:18.839 --> 00:26:23.720
so it could be it could be
thirty grand. Yeah, well I

348
00:26:23.799 --> 00:26:26.559
don't I don't know, because they
said they wanted to pull the roofliner to

349
00:26:26.599 --> 00:26:32.000
see how the damage was stacked out
of the roof, to see if the

350
00:26:32.079 --> 00:26:34.559
roof needs to be cut off and
replaced. So what does your State Farm

351
00:26:34.599 --> 00:26:41.119
agent say, like a good neighbor, State Farm screws you, Yeah,

352
00:26:41.200 --> 00:26:45.279
exactly, So what did that what
did your good neighbor tell you they authorized

353
00:26:45.359 --> 00:26:51.720
I think eight hundred dollars in bodywork
to realign the panels. They also left

354
00:26:51.759 --> 00:26:53.559
off chunks of plasts. Listen,
I'm going to tell you something. You

355
00:26:55.119 --> 00:26:59.519
what year is this? Did you
say twenty one? At twenty one crosstrack?

356
00:26:59.599 --> 00:27:02.640
Yeah? Now on a twenty one? How many miles on it?

357
00:27:04.839 --> 00:27:11.720
Okay? So it's pretty pretty good, pretty nice limited? Yeah? Oh

358
00:27:11.799 --> 00:27:19.920
man, I don't you know.
I don't see how you're ever gonna get

359
00:27:21.440 --> 00:27:26.799
See, you went to their preferred
shop, so yep, they should have

360
00:27:26.880 --> 00:27:33.720
told you it needed to be totaled. Yes, you're I don't see how

361
00:27:33.759 --> 00:27:36.920
you get around this with State Farm. If it was another company, we

362
00:27:36.960 --> 00:27:38.920
could call them. State Farm doesn't
care. I mean, they don't care.

363
00:27:40.119 --> 00:27:42.559
They just you're gonna have to sue
them, literally, sue them for

364
00:27:42.680 --> 00:27:45.720
a new car. You're gonna have
to sue them for not a new car

365
00:27:45.839 --> 00:27:49.119
for total Yeah, I mean you
have to sue them. I would call

366
00:27:49.119 --> 00:27:52.039
it bad faith, is what I
would call it. I don't I think

367
00:27:52.119 --> 00:27:56.240
bad faith. Yeah, that applies
to all insurance. They're not paying what

368
00:27:56.279 --> 00:28:00.559
they should pay because there's no other
way to do it. They will not,

369
00:28:00.559 --> 00:28:03.759
and you might mention that to them. I'm suing you for bad faith

370
00:28:04.160 --> 00:28:08.480
if you do not total this car. I went to a preferred shop.

371
00:28:08.880 --> 00:28:12.880
Now you got to get I think
more than one opinion, more than one,

372
00:28:14.240 --> 00:28:17.079
okay, that the car should have
been, that the car should have

373
00:28:17.119 --> 00:28:22.599
been totaled. Super U of America
body shop is fine, but I would

374
00:28:22.599 --> 00:28:26.519
get two more body shops to say
this car is going to take twenty grand

375
00:28:26.559 --> 00:28:33.279
or more to fix. Now make
sure they say twenty grand. Are they

376
00:28:33.319 --> 00:28:36.960
saying twenty grand because of what the
first shop did, or are they saying

377
00:28:37.039 --> 00:28:41.799
it would have been twenty grand?
No matter what they're saying because of what

378
00:28:41.839 --> 00:28:45.039
the first shop did. Well,
then that screws you because then that's not

379
00:28:45.160 --> 00:28:48.400
totaled. If they're blaming the first
shop. Now now you have an action

380
00:28:48.480 --> 00:28:52.559
against the first shop. So you
see, it would have been better if

381
00:28:52.599 --> 00:28:56.720
they told you, Aaron, this
damage should have totaled the car. It

382
00:28:56.720 --> 00:29:00.720
would have been about fifteen grand.
I should be oh, yeah, fifteen

383
00:29:00.839 --> 00:29:03.160
or twenty. But they're not telling
you that. What are they saying they

384
00:29:03.160 --> 00:29:07.599
could have fixed it for in the
beginning? Ah, that I did not

385
00:29:07.720 --> 00:29:11.680
act. That's the important thing.
So I might be off base on the

386
00:29:11.680 --> 00:29:17.960
bad faith. If it turns out
that the first that the body shop did

387
00:29:18.000 --> 00:29:21.400
more harm than good, you have
to sue the body shop if it turns

388
00:29:21.440 --> 00:29:26.559
out. If it turns out that
it would have been totaled anyway, then

389
00:29:26.559 --> 00:29:29.279
you got to go after State Farm. So you got to find out and

390
00:29:29.319 --> 00:29:33.839
let us and let yourself know and
act appropriately. Here's another thing. I

391
00:29:33.880 --> 00:29:38.359
would also get another estimate on fixing
that because twenty grand to me sounds excessive.

392
00:29:38.839 --> 00:29:44.319
It sounds like that body shop is
exaggerating a bit. I don't know

393
00:29:44.359 --> 00:29:48.440
of any I don't know of anything
that can't be fixed for for twenty thousand.

394
00:29:48.519 --> 00:29:52.319
That sounds outrageous to me. To
align body panels, I mean,

395
00:29:52.640 --> 00:29:56.200
is it such a crap job that
when I look at that car, I

396
00:29:56.279 --> 00:30:00.319
go, oh my god, is
it that bad? Did they use body

397
00:30:00.319 --> 00:30:07.079
putty or did they use replacement panels? They they've used a factory hood.

398
00:30:07.559 --> 00:30:11.559
But it's it's the alignment, and
then they left off like there's some plastic

399
00:30:11.640 --> 00:30:15.599
parts that go bro. That's not
twenty rand. That's not twenty rand.

400
00:30:15.880 --> 00:30:18.039
I'm sorry, that's not twenty grand. I think I think you're being put

401
00:30:18.079 --> 00:30:22.480
together by everyone. Okay, you
need a good, honest to god body

402
00:30:22.519 --> 00:30:27.119
shop that just to correct what's there, not to redo it from the beginning

403
00:30:27.119 --> 00:30:32.920
to end. That's asking too much
to realign body panels and put some plastic

404
00:30:32.960 --> 00:30:37.319
trim and all that on. I'm
sorry, man, We're not talking about

405
00:30:37.359 --> 00:30:40.400
twenty thousand dollars. Guys, don't
you agree? Yeah? These a couple

406
00:30:40.440 --> 00:30:42.799
thousand bucks. I mean it's that
means, come on, man, I

407
00:30:44.480 --> 00:30:48.559
just think they're exaggerating. Three oh
three seven one three talks seven one three

408
00:30:48.519 --> 00:30:56.720
eight two five five. Go with
a sure thing Denver's best roofer Excel Roofing

409
00:30:56.839 --> 00:31:03.319
dot com. You don't pay a
cent until you're content. Time for an

410
00:31:03.319 --> 00:31:07.000
insurance check up free, no obligation. In comparison, call Compass Insurance paying

411
00:31:07.000 --> 00:31:11.119
too much your coverage at dozens of
insurance companies find out now three all three

412
00:31:11.240 --> 00:31:15.680
seven seven to one. Help.
You'll think you're his only customer when you

413
00:31:15.759 --> 00:31:18.920
choose Frank durand the real estate Man
dot com to list your home with Remax

414
00:31:18.960 --> 00:31:26.920
Alliance three all three nine two zero
sixteen twenty two. Hi Tom Martine,

415
00:31:27.119 --> 00:31:33.240
you're troubleshooter three all three seven one
three Talks seven one three eight two five

416
00:31:33.319 --> 00:31:36.680
five. I'm gonna tell you an
age old problem when it comes to bodywork

417
00:31:36.720 --> 00:31:40.480
men. It's a it's an age
old problem, and that is, I'm

418
00:31:40.519 --> 00:31:44.640
going to a preferred shop. They
send you a to preferred shops so they

419
00:31:44.720 --> 00:31:48.039
get it done cheaper. That's why
there's no other reason to go to a

420
00:31:48.119 --> 00:31:52.359
preferred shop. A preferred shop.
And this is this is a conversation that

421
00:31:52.440 --> 00:31:56.519
takes place to become a preferred shop. Hey man, we're gonna send you

422
00:31:56.519 --> 00:32:01.359
a lot of business, but you
got to treat us right. If you

423
00:32:01.400 --> 00:32:05.480
can shove after market parts in there, do it. If you can get

424
00:32:05.480 --> 00:32:07.119
it done cheap, or do it. If you don't have to paint the

425
00:32:07.480 --> 00:32:10.519
whole car, do it, if
you can cheap out, do it.

426
00:32:12.880 --> 00:32:15.720
That's what that's the conversation. That's
what a preferred shop means. It doesn't

427
00:32:15.720 --> 00:32:20.079
mean you're gonna get a good job. Now. There are some good body

428
00:32:20.079 --> 00:32:23.240
shops that are preferred shops, but
they don't stay preferred shops long. You

429
00:32:23.279 --> 00:32:28.160
talk to a good body shop and
they'll tell you why why they're not a

430
00:32:28.160 --> 00:32:35.039
preferred shop. Now. I just
don't know what else to say. But

431
00:32:35.279 --> 00:32:40.319
if you come up to a problem, on your car. Do not go

432
00:32:40.599 --> 00:32:45.440
to a preferred shop, shop shop, shop for a good shop on your

433
00:32:45.519 --> 00:32:52.039
own. Okay, that's what you
need to do, Mark, Or is

434
00:32:52.079 --> 00:32:57.119
Mark still up? Yep? Yep, Tom, you're if you're not a

435
00:32:57.119 --> 00:33:00.960
car person like Jeff or anybody else, how you when you say look for

436
00:33:00.960 --> 00:33:04.359
a good shop? Was how did
you do it? I was just gonna

437
00:33:04.400 --> 00:33:07.519
that's what I'm that's a good point, Mark. Do we have I mean,

438
00:33:07.880 --> 00:33:12.279
really there are I don't know what
it is, but certain categories on

439
00:33:12.359 --> 00:33:16.759
referralss dot com have have kind of
waned a bit and was one of them

440
00:33:16.759 --> 00:33:22.279
body shops? Yes, for sure, because a lot of our good shops

441
00:33:22.559 --> 00:33:24.160
arts. A lot of our good
shops have sold or have moved out.

442
00:33:24.359 --> 00:33:29.039
So it's not even that during COVID
they couldn't get parts so they drawl.

443
00:33:29.319 --> 00:33:32.079
Okay, yes, I knew there
was a reason. Now we have Rocky

444
00:33:32.079 --> 00:33:37.759
Mountain Den Services was a paintless dent
repair. We used to have Michael Michael's

445
00:33:37.759 --> 00:33:40.240
autobody from Castle Rock. There's still
a great shop. He sold. He's

446
00:33:40.279 --> 00:33:45.480
not the owner anymore, but Mark
says it's the same quality crew down there.

447
00:33:45.839 --> 00:33:50.400
But we and then we had Aurora
or autobody for years and years and

448
00:33:50.519 --> 00:33:55.480
years. Then from the old days
people I'm just getting I'm not recommending these

449
00:33:55.519 --> 00:33:59.640
places. I'm telling you from the
old days. Names Perry and Terry.

450
00:33:59.680 --> 00:34:00.880
Are they still around, guys,
Yeah, there's still right. We did

451
00:34:00.920 --> 00:34:02.640
a lot of work for it,
so they're good, right, yep,

452
00:34:02.759 --> 00:34:07.200
yep, yeah, So there are
still some good names out there. But

453
00:34:07.359 --> 00:34:13.199
you got a shop and do not
do not use a preferred shop from an

454
00:34:13.199 --> 00:34:17.519
insurant, or don't use it because
they tell you they're preferred. Just do

455
00:34:17.639 --> 00:34:22.639
your own shopping. I'm Tom Martino. We got more coming up on the

456
00:34:22.679 --> 00:34:30.920
Troubleshooter Show. Go with a sure
Thing Denver's Best roofer Excel Roofing dot com.

457
00:34:30.960 --> 00:34:37.519
You don't pay a cent until you're
content. Time for an insurance check

458
00:34:37.599 --> 00:34:42.800
up, free no obligation comparison call
Compass Insurance paying too much your coverage at

459
00:34:42.840 --> 00:34:45.559
dozens of insurance companies find out now
three O three seven to seven to one

460
00:34:45.639 --> 00:34:50.320
help. You'll think you're his only
customer when you choose Frank durand the Real

461
00:34:50.400 --> 00:34:54.000
estate Man dot com to list your
home with Remax Alliance three oh three nine

462
00:34:54.000 --> 00:35:07.239
two zero sixteen twenty two ripped up. What news need? Who you don't

463
00:35:07.280 --> 00:35:16.079
have? Run as fast as we
can. Shooter's gonna help come Man Dix

464
00:35:16.519 --> 00:35:22.039
is the Troubleshooter Show. Now Tom
Martino, Hey, I'm Tom Martino.

465
00:35:22.079 --> 00:35:25.000
This hour brought to you by Frank
to ran the real Estate man dot com.

466
00:35:25.320 --> 00:35:27.960
If you want to know what your
house is going to sell for,

467
00:35:28.039 --> 00:35:30.440
you know, more and more people
are contacting Frank about this. Now you

468
00:35:30.440 --> 00:35:34.280
know I advertise this. He does
it complimentary. He'll tell you what the

469
00:35:34.320 --> 00:35:36.559
house is worth. There are a
lot of people that are renting homes in

470
00:35:36.599 --> 00:35:38.440
the own now the landlords because of
all the changes and laws, they want

471
00:35:38.440 --> 00:35:42.440
to get rid of the houses,
and the people renting want to buy.

472
00:35:42.519 --> 00:35:44.840
So they call Frank and say,
what do you think it's a great price

473
00:35:44.880 --> 00:35:47.000
for this house? What should the
landlorder wants to know? What should I

474
00:35:47.000 --> 00:35:51.559
sell it to my renter for?
Well, Frank will do that analysis free

475
00:35:51.559 --> 00:35:55.119
of charge three oh three nine two
zero sixteen twenty two. And that's something

476
00:35:55.159 --> 00:36:00.159
where you know there's no reason he's
not even gonna get it listed because as

477
00:36:00.159 --> 00:36:02.119
they're selling it to the tenant.
But that's what I mean when I say

478
00:36:02.480 --> 00:36:07.519
complimentary. It truly is Frank Rand
the real estate man dot com three h

479
00:36:07.559 --> 00:36:12.280
three nine two zero sixteen twenty two. So I urge you to give me

480
00:36:12.280 --> 00:36:14.719
a call with any problem, question
and complaint. We have a new hour.

481
00:36:14.760 --> 00:36:17.760
We have two hour three hours to
go on the Troubleshooter Show as today

482
00:36:17.880 --> 00:36:22.920
is Carday. We have Kevin Calkin
with us from Sheridan Auto Tech, Jeffick

483
00:36:22.199 --> 00:36:28.000
camera transmission. And when it comes
to cars, we always ask if there's

484
00:36:28.039 --> 00:36:31.039
anything new under the sun, and
I know what's new. Deputy Doc has

485
00:36:31.199 --> 00:36:37.519
entered the land of the Evil.
He did you know that he bought a

486
00:36:37.559 --> 00:36:39.400
car. I saw it up fronts
the Land of the Evil. Do you

487
00:36:39.400 --> 00:36:43.079
know what I mean by that?
Guys? It's got an extensive court on

488
00:36:43.159 --> 00:36:45.920
it. He's got an electric car. Is it all electric or hybrid?

489
00:36:45.960 --> 00:36:52.920
All electric? What made you decide
to go with electric? My son said

490
00:36:52.920 --> 00:36:54.960
he wouldn't talk to me if I
didn't buy an electric car. Yeah,

491
00:36:55.000 --> 00:37:00.280
because he believes. He believes the
hogwash that you're going to lower the carbon

492
00:37:00.320 --> 00:37:05.320
footprint. Yes, if I could
talk to him about that, he should

493
00:37:05.360 --> 00:37:07.719
do the real research on that,
Not that it matters. I love electric

494
00:37:07.760 --> 00:37:10.199
cars, by the way, I
should say, not that it matters.

495
00:37:10.199 --> 00:37:14.840
What I'm saying is I think there's
a lot of misinformation on what you're saving

496
00:37:14.880 --> 00:37:20.000
the environment when you consider this.
One article was the best I've ever read

497
00:37:20.280 --> 00:37:23.679
on the mining of the coalbalt the
big giant diesel equipment. They used to

498
00:37:23.719 --> 00:37:27.519
do it, then ship it,
then make it, and then and then

499
00:37:27.719 --> 00:37:32.480
that's not even the charging aspect through
coal powered plants, oil plants and other

500
00:37:32.840 --> 00:37:37.400
powered plants. When you look at
the total footprint of an electric car,

501
00:37:37.760 --> 00:37:43.039
it's as much or more than I
eat up tires too. You get half

502
00:37:43.039 --> 00:37:46.119
of the tire life on an EV
than you do the torque. Come on,

503
00:37:46.519 --> 00:37:51.400
absolutely, are you kidding me?
No, not at all. Now,

504
00:37:51.440 --> 00:37:53.039
the extra weight and the torque on
an EV, you're going to go

505
00:37:53.039 --> 00:37:59.559
through tires a whole lot quicker.
I didn't realize that. I didn't realize

506
00:37:59.559 --> 00:38:01.199
that. Okay, what were you
going to say, Jeff, anything?

507
00:38:01.400 --> 00:38:06.480
So so Doc went with the myth. I was just you mentioned the mining

508
00:38:06.840 --> 00:38:09.119
just not even just the production.
It's the waste disposal of everything from the

509
00:38:09.119 --> 00:38:14.280
mining process. Oh No, I
was running you for the most part,

510
00:38:14.679 --> 00:38:20.280
but you did it to satisfy your
son because of the myth right, Now,

511
00:38:21.320 --> 00:38:23.960
what do you think? I mean, the car runs great. I

512
00:38:24.280 --> 00:38:31.559
love the car. It's a it's
a Hyundai Kona, reasonably priced and it

513
00:38:31.840 --> 00:38:37.000
just it's a really really good car. Oh it is. Yeah, Hyundai's

514
00:38:37.039 --> 00:38:40.119
a great cart. Does it still
have that ten year warranty? Yeah?

515
00:38:40.280 --> 00:38:43.639
Is that on the battery too?
Do you know? I don't think it's

516
00:38:43.679 --> 00:38:46.199
on the battery, It's on everything
else. So what's your range when you're

517
00:38:46.199 --> 00:38:52.159
fully charged? About two sixty and
see you'll never do more than that,

518
00:38:52.639 --> 00:38:55.360
No, I mean the only time, and when you go up to Blackhawk

519
00:38:55.400 --> 00:38:59.159
and stuff. How many miles is
it? It's about eighty miles back and

520
00:38:59.199 --> 00:39:01.599
forth. And then you know,
I have a charge in my garage,

521
00:39:01.840 --> 00:39:07.519
so I come home charging a night
and it's no big deal. Okay,

522
00:39:07.599 --> 00:39:12.960
So you're really a dinosaur. I
mean you really truly have had cars a

523
00:39:13.079 --> 00:39:15.920
long time a regular Well I'm seventy
eight years old. No, no,

524
00:39:16.480 --> 00:39:21.239
I'm saying that as a compliment.
So if you're a dinosaur and you've recently

525
00:39:21.280 --> 00:39:24.199
switched, what's the biggest change do
you notice anything? Is there anything?

526
00:39:24.239 --> 00:39:29.239
Oh? Yeah, Like, give
me an idea. The acceleration compared to

527
00:39:29.280 --> 00:39:35.599
my Subaru which was a four cylinder
you know, SUV, which was a

528
00:39:35.639 --> 00:39:39.400
great car. But the pickup in
the in the EV is this amazing?

529
00:39:39.760 --> 00:39:43.840
Did you get a tax credit on
that? Yeah, that's why the price

530
00:39:44.320 --> 00:39:47.880
was so low, So they subtracted
it right there? Or are you considering

531
00:39:47.920 --> 00:39:52.360
it? Well? No, they
subtracted off the price of the car.

532
00:39:52.159 --> 00:39:55.920
Really. Yeah, Now that's another
kind of credit because the tax credit you

533
00:39:55.960 --> 00:40:00.599
got to take off your taxes.
Yeah, but I don't pay taxes usually

534
00:40:00.519 --> 00:40:06.679
or minimal because of your the way
you structured your Yeah. Yeah, and

535
00:40:06.679 --> 00:40:08.280
not that I mean I filed tax
now, I know what you're saying.

536
00:40:08.360 --> 00:40:12.760
Yeah, of course, now that
you're not a doctor anymore and you're on

537
00:40:12.800 --> 00:40:15.519
your annuity, and you're right,
there's not a lot of tax to pay,

538
00:40:15.719 --> 00:40:21.320
right, but you still you can
still write credits off a little each

539
00:40:21.400 --> 00:40:23.079
year. I think, I mean, I think you still get one on

540
00:40:23.119 --> 00:40:27.920
that. We I wanted to put
down a certain amount of money out of

541
00:40:27.920 --> 00:40:30.679
my pocket, and as long as
they came in under that, I didn't

542
00:40:30.679 --> 00:40:34.400
care that they got the room.
So you traded your car? No,

543
00:40:34.280 --> 00:40:37.559
No, I gave it to my
son. I gave them my car and

544
00:40:37.039 --> 00:40:42.559
a roll of duct tape. Wait, ansists you get an electric car.

545
00:40:45.480 --> 00:40:47.599
Boy, Dad, I insist you
get an electric car, but I want

546
00:40:47.599 --> 00:40:52.960
the gasoline car. Well, it
was a gift. So how many miles

547
00:40:52.000 --> 00:40:57.280
on it? Eighty five? Oh, that super is hardly broken in eighty

548
00:40:57.280 --> 00:41:00.599
five thousand. That's a good car, right, yes, no, yeah,

549
00:41:00.599 --> 00:41:04.320
it's been bounced off of just about
everything. About everything. What do

550
00:41:04.320 --> 00:41:07.840
you oh, well, gift doc
drives by braille. Yeah, that's true.

551
00:41:08.039 --> 00:41:14.079
I'm telling you though, Uh,
super U Subaru does work. I

552
00:41:14.119 --> 00:41:17.079
mean it, it's a good car. It's a it's a great Colorado car.

553
00:41:17.519 --> 00:41:21.480
I love all the Hyundai line and
so this is a Hundai. You

554
00:41:21.559 --> 00:41:22.880
have is a four as a four
by four? Right? No, No,

555
00:41:22.920 --> 00:41:27.639
it's front wheel drive? Is okay, But you know what I realized

556
00:41:28.119 --> 00:41:32.719
last in the past couple of years. If I don't need to go anywhere,

557
00:41:32.880 --> 00:41:36.519
I don't have to be the hospital, don't have to be my office.

558
00:41:36.840 --> 00:41:40.119
If there's a snow day, I
can work here remotely and just not

559
00:41:40.480 --> 00:41:44.440
drive up to the mountains. It's
not it's not a big deal if it's

560
00:41:44.440 --> 00:41:50.280
snowing. Yeah, that's true.
But front wheel drive should be pretty substantial

561
00:41:50.599 --> 00:41:57.320
in this state. Okay, So
by the way, that this is an

562
00:41:57.400 --> 00:42:05.239
area where I show that I can
look at everything as an issue, not

563
00:42:05.480 --> 00:42:15.320
necessarily as a left right thing.
Democrats are cheering after a Supreme Court rejected

564
00:42:15.320 --> 00:42:21.719
a challenge to the Consumer Finance Protection
Bureau. Now we love it. Yeah,

565
00:42:21.760 --> 00:42:25.719
Elizabeth Warren championed, and the Dodd
Frank actually did, But Elizabeth Warren

566
00:42:25.960 --> 00:42:31.239
really championed this Consumer Finance Protection Bureau. And what they do is they go

567
00:42:31.280 --> 00:42:36.199
after predatory lenders. Originally that's what
they were meant to do, and there

568
00:42:36.239 --> 00:42:40.199
were a lot of predatory lenders.
But what they also did was protected people

569
00:42:40.239 --> 00:42:46.079
from abuse of late charges, cyber
crimes, or let's put it this way.

570
00:42:46.079 --> 00:42:50.280
You made an ach transfer, it
didn't show up, but your bank

571
00:42:50.320 --> 00:42:54.320
said we sent it and it's in
cyber space somewhere. The Consumer Finance Protection

572
00:42:54.400 --> 00:43:00.719
Bureau really does get involved. They
really help, and then we use them

573
00:43:00.760 --> 00:43:05.840
a lot to send people there.
There's a place to make a complaint,

574
00:43:06.360 --> 00:43:10.920
and unlike most government agencies, unlike
most, this one is very attentive.

575
00:43:12.599 --> 00:43:17.800
I mean, it really is.
So the Republicans, I don't know why,

576
00:43:17.840 --> 00:43:22.840
but they're against it. They're against
it, they say, mostly because

577
00:43:22.840 --> 00:43:29.960
of the way it's funded fiscally,
is not act, is not constitutional or

578
00:43:30.039 --> 00:43:32.119
some way. I don't know.
If they have no control over the funding,

579
00:43:32.920 --> 00:43:39.039
who doesn't Congress somehow, I think
it's like the uh, the Supreme

580
00:43:39.079 --> 00:43:45.159
Court. By the way, Yeah, said it's fine, But it's like

581
00:43:45.199 --> 00:43:47.639
the Fed. You know, Congress
has no control over the Fed. No,

582
00:43:47.719 --> 00:43:52.559
but but you're right, but the
Fed will make sure, depending on

583
00:43:52.639 --> 00:43:59.719
who appointed who, that they are
at the behest of the president. I

584
00:43:59.719 --> 00:44:02.639
mean, I know that the President
doesn't say raise rates or lower rates because

585
00:44:02.639 --> 00:44:07.119
these economists know better, but they
don't want to make it bad for a

586
00:44:07.159 --> 00:44:13.599
certain candidate, of whoever their candidate
is at the time, don't you think.

587
00:44:13.800 --> 00:44:15.840
Yeah, no, I just wanted
to point out that I think that

588
00:44:15.960 --> 00:44:20.320
was one of the big reasons is
that Congress doesn't have direct control over the

589
00:44:20.360 --> 00:44:28.760
funding for the Consumer Protection broad So
anyway, Warren, who championed this whole

590
00:44:28.800 --> 00:44:35.639
thing using the Dodd Frank Act,
says that so far it's recovered twenty billion

591
00:44:35.679 --> 00:44:38.800
dollars for consumers. Now, I
truly believe this is a good thing.

592
00:44:39.599 --> 00:44:45.239
I'm not completely sure why the Republicans
were against it, Like you said,

593
00:44:45.440 --> 00:44:50.840
they didn't like the idea that their
funding structure, that they didn't like the

594
00:44:50.840 --> 00:44:58.679
funding structure. They said, it's
not actually funded through any appropriations. So

595
00:44:59.000 --> 00:45:00.840
I don't understand how it does get
funded though. That's the point. I

596
00:45:00.880 --> 00:45:04.960
don't understand, and maybe it is
wrong. I don't know. But the

597
00:45:05.000 --> 00:45:10.360
Supreme Court says there's nothing wrong with
it and it doesn't violate the appropriation's authority.

598
00:45:10.920 --> 00:45:17.320
And it doesn't and it's not unconstitutional. So anyway, the bureau's funding

599
00:45:17.800 --> 00:45:24.119
meets all legal requirements. Therefore,
the Supreme Court says it's fine and it

600
00:45:24.199 --> 00:45:30.519
will continue. The good news here
is not that one party beat another party,

601
00:45:30.559 --> 00:45:35.800
or the Supreme Court made this decision
or that decision. The bottom line

602
00:45:35.880 --> 00:45:39.519
is, I don't see anything wrong
with this agency. I mean, we

603
00:45:39.639 --> 00:45:45.440
have had great success sending people there
for con for all kinds of weird problems.

604
00:45:45.800 --> 00:45:52.000
Like one guy went to this ATM
and they said he got the money.

605
00:45:52.000 --> 00:45:59.880
He didn't get the money. Now
they don't necessarily they don't necessarily super

606
00:46:00.519 --> 00:46:06.480
oversee ATMs, right, but it
was something that when they started looking into

607
00:46:06.519 --> 00:46:08.559
it, they just said, okay, fine, and they gave the guy

608
00:46:08.599 --> 00:46:15.119
credit in his account. So I
just speaking of ATMs, I want to

609
00:46:15.159 --> 00:46:22.960
make this clear. If you do
ATM transactions, I'm now recommending that people

610
00:46:22.519 --> 00:46:30.599
do their own cell phone video if
it's really important, because too many times

611
00:46:30.360 --> 00:46:36.079
the ATM says cash came out when
it didn't, or cash didn't go in

612
00:46:36.280 --> 00:46:43.239
when it did, and the camera
angle does not show, and I'm thinking

613
00:46:43.280 --> 00:46:46.280
what you ought to do is take
your own video that, I mean,

614
00:46:46.400 --> 00:46:52.400
how could it hurt? Right?
Nowadays, videos everywhere, including dashcam video

615
00:46:52.280 --> 00:46:57.039
all right, we have John full
loves them. Yeah, John Fuller loves

616
00:46:57.119 --> 00:47:00.960
dashcams, you know, and cell
phone footage. If you think about it,

617
00:47:00.320 --> 00:47:05.119
almost everything we do in life is
going to be on video because here's

618
00:47:05.159 --> 00:47:08.599
why. When you're in public,
even if there's no traffic cam or businesscam

619
00:47:08.760 --> 00:47:15.519
or ring cam or anything like on
at that moment, if you start renting

620
00:47:15.519 --> 00:47:20.159
and raving, or someone starts a
crime, or someone something goes wrong,

621
00:47:20.239 --> 00:47:24.280
people then take their phones out,
so almost everything will be caught on video.

622
00:47:24.480 --> 00:47:28.280
And Tom, one of the first
things people do when they see somebody

623
00:47:28.320 --> 00:47:31.119
freaking out at the supermarket or Walmart, I mean they start taking their phone

624
00:47:31.119 --> 00:47:37.440
out instead of helping. And Tom, I've seen so many YouTube things where

625
00:47:37.079 --> 00:47:42.960
they have people who have dash cams
who are not involved in the accident will

626
00:47:43.000 --> 00:47:45.159
give them this I know, yeah
that they just happen to be there,

627
00:47:45.440 --> 00:47:51.199
right, and the dashcam captures the
accident even though they're not involved. Yeah.

628
00:47:51.320 --> 00:47:53.639
Three three great thing three oh three
seven one three talk seven one three

629
00:47:53.719 --> 00:47:58.239
eight two five five. By the
way, eight eight eight heating dot Com

630
00:47:58.400 --> 00:48:01.400
has the twenty eight eight dollar risk
free service fee. That means they'll go

631
00:48:01.440 --> 00:48:06.760
to your house and service one item
and give you a complete assessment, and

632
00:48:06.800 --> 00:48:09.119
if you need more, they credit
you the twenty eight bucks. Let me

633
00:48:09.159 --> 00:48:12.840
give you an example. Let's say
a water heater. They'll go out and

634
00:48:12.880 --> 00:48:15.199
tune it and flush it and all
of that for just twenty eight dollars.

635
00:48:15.559 --> 00:48:20.480
And if in fact it turns out
you need a new water heater, they're

636
00:48:20.519 --> 00:48:24.920
honest about it, they will credit
you that twenty eight bucks. But most

637
00:48:24.920 --> 00:48:29.920
of the time they can fix your
toilet or your water heater or whatever for

638
00:48:30.119 --> 00:48:34.360
just the service fee risk free service
fee twenty eight bucks three h three seven

639
00:48:34.440 --> 00:48:47.039
seven zero two seven seven six Go
with a sure thing Denver's best roofer Excel

640
00:48:47.159 --> 00:48:54.079
roofing dot Com. You don't pay
a cent until you're content time for an

641
00:48:54.079 --> 00:48:59.679
insurance check up free, no obligation. In comparison, call Compass Insurance paying

642
00:48:59.679 --> 00:49:02.840
too much your coverage at dozens of
insurance companies find out now three all three

643
00:49:04.000 --> 00:49:07.960
seven seven to one help You'll think
you're his only customer when you choose Frank

644
00:49:07.039 --> 00:49:12.199
durand the real estate Man dot com
to list your home with Remax Alliance.

645
00:49:12.440 --> 00:49:20.119
Three all three nine two zero sixteen
twenty two. Hi Tom Martino, your

646
00:49:20.199 --> 00:49:22.400
troubleshooter. Three all three seven one
three talk seven one three eight two five

647
00:49:22.440 --> 00:49:28.480
On Denverregen dot com Weight loss Semiglue
Tide compounded form two hundred and fifty bucks

648
00:49:28.519 --> 00:49:30.559
a month if you want to lose
weight three oh three seven one three talk

649
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three oh three seven one three eight
two five five. That's Denverregen dot com.

650
00:49:37.199 --> 00:49:39.639
By the way, Okay, so
welcome to the show. JR.

651
00:49:39.679 --> 00:49:43.599
Has a question about some new fuel. All that new fuel. By the

652
00:49:43.599 --> 00:49:46.840
way, when we say new fuel, we're not just talking about oxygenated fuels

653
00:49:46.920 --> 00:49:52.599
as they used to be in Colorado. Now it will be a special fuel.

654
00:49:52.840 --> 00:49:59.440
In addition to being oxygenated, there
are other additives. JR. What's

655
00:49:59.480 --> 00:50:05.360
happening? Yeah, so a question
for your car guys with the reformulated gasoline

656
00:50:05.480 --> 00:50:08.159
or as I want to call it, Polis petrol. Yeah, now what

657
00:50:08.400 --> 00:50:16.960
happened was this was for ozone laden
areas or ozone bad ozone problems, right,

658
00:50:17.199 --> 00:50:21.760
and so we used to get away
with it. Why did we used

659
00:50:21.800 --> 00:50:23.840
to get away with it because we
would get a waiver from the fence and

660
00:50:23.960 --> 00:50:30.119
then Polis when he took office no
longer applied for that or what it was

661
00:50:30.159 --> 00:50:32.119
actually granted to him, and he
actually declined it. Now, now,

662
00:50:32.199 --> 00:50:38.199
how can this guy with a straight
face decline that waiver which will raise prices

663
00:50:38.280 --> 00:50:44.400
now fifty cents a gallon to a
dollar a gallon. Yet he claims he

664
00:50:44.480 --> 00:50:47.000
is now fighting to get the waiver. Yeah, he created a problem and

665
00:50:47.079 --> 00:50:51.079
now he's claiming to be a championship
hit. Do you understand that to be

666
00:50:51.119 --> 00:50:54.199
the case? Yes, exactly.
The question for the car, guys,

667
00:50:54.280 --> 00:50:59.719
is is it a lower or higher
octane? Is it going to affect me?

668
00:51:00.079 --> 00:51:04.119
But you know what exactly? Do
you guys know what exactly? Look

669
00:51:04.159 --> 00:51:06.679
it up? And you know who
I'm gonna look it up with AI.

670
00:51:07.519 --> 00:51:10.760
Hey, don't call it AI,
it's Professor bing B. Don't be disrespectful.

671
00:51:12.480 --> 00:51:15.239
You know Stephanie accuses me. I
swear to God of this being my

672
00:51:15.320 --> 00:51:20.880
second wife anyway, So go ahead, and what do you think JR.

673
00:51:20.960 --> 00:51:24.079
As far as have you looked into
what it is? I can't find anything

674
00:51:24.119 --> 00:51:27.320
on it. What the additive is? What is the name of the big

675
00:51:27.400 --> 00:51:31.639
yad? Do they just call it
new gas? Are formulated gasoline? Are

676
00:51:31.679 --> 00:51:37.480
you formulated gasoline? That's what they
call it? Okay, they should still

677
00:51:37.480 --> 00:51:42.639
have to meet the same octane requirements. Uh okay, I'm putting it down

678
00:51:42.719 --> 00:51:45.639
right now. We're gonna find out
what it is. So yeah, I

679
00:51:45.679 --> 00:51:49.519
know my buddy's got a Nissan and
he requires high octane. I got a

680
00:51:49.519 --> 00:51:55.480
motorcycle that requires the reformulated r FG
is a type of gasoline blended to burn

681
00:51:55.559 --> 00:52:00.920
cleanly. Yeah, give us all
the pr crap now for Colorado specifically along

682
00:52:00.960 --> 00:52:06.559
the front range. And what is
it? They don't get into what it

683
00:52:06.639 --> 00:52:10.760
is? Wait a minute, RFG
now are Yeah, I'm wondering what's it

684
00:52:10.840 --> 00:52:15.519
going to do to car? How
much different is it than just the oxygenation?

685
00:52:16.679 --> 00:52:21.800
What are Okay, I'm gonna say, what are the ingredients? I

686
00:52:21.840 --> 00:52:25.559
mean, come on, let's just
see if I come now, Professor Bing

687
00:52:25.639 --> 00:52:32.840
what are the ingredients? Reformulated gasoline
is a complex blend. Okay, no,

688
00:52:32.960 --> 00:52:38.119
hold on, it doesn't. It
says. It says akanes, are

689
00:52:38.440 --> 00:52:49.559
icanes, branched chain kanes, cyclo
alkanes, alkenes, and a romanmatic hydrocarbons.

690
00:52:50.719 --> 00:52:57.440
Now what the hell does that mean? And also antioxidant additives. This

691
00:52:57.519 --> 00:53:02.639
sounds like a multi vitamin for God's
sakes, and multifunctional additives and a little

692
00:53:02.719 --> 00:53:07.239
viagra. What the hell's that for? I don't know. I'm just kidding

693
00:53:07.239 --> 00:53:09.480
about the viagra part, But what
do you think? Seriously, it doesn't

694
00:53:09.480 --> 00:53:16.880
really say. It says it acts
like oxygenated fuel, like ethanol or MTB

695
00:53:17.320 --> 00:53:27.039
E, but it promotes a more
complete combustion than those. So I don't

696
00:53:27.079 --> 00:53:29.719
think they know what it's going to
do to cars. Who came up with

697
00:53:29.800 --> 00:53:35.440
a damn thingath more to the catalytic
converters and causing them to expire early.

698
00:53:36.400 --> 00:53:39.519
Butane is added to it, we
know that in cars that's not going to

699
00:53:39.559 --> 00:53:43.599
recognize the burn, that it's going
to burn too. Rich. Well,

700
00:53:43.639 --> 00:53:47.039
here's what happened when they did oxygenated
fuels. That kind of defeated the purpose.

701
00:53:47.800 --> 00:53:53.159
When they introduced oxygenated fuels. You
know what. The big criticism was

702
00:53:53.239 --> 00:53:58.840
right that the fuel mixtures would be
different, and you would use more fuel

703
00:53:58.920 --> 00:54:02.719
anyway, because more oxygen is in
the fuel, so your your car would

704
00:54:02.760 --> 00:54:07.559
call for more fuel. So mileage
went down. And even though it clean

705
00:54:07.679 --> 00:54:13.800
burn it burned a little cleaner,
you burn more. Oh, they're so

706
00:54:13.880 --> 00:54:15.559
proud of it. They won't tell
us what's in it. You know what.

707
00:54:15.760 --> 00:54:21.239
I'm surprised that well I did have
what's in it. I just don't

708
00:54:21.239 --> 00:54:24.000
know what it will do to cars. I mean, seriously, I want

709
00:54:24.000 --> 00:54:30.760
to know if anyone knows what effect
it'll have on cars. I don't know.

710
00:54:32.800 --> 00:54:36.039
So there's other states that do it, but I don't know if it's

711
00:54:36.199 --> 00:54:38.360
new program to everybody, or if
it's a new state. It's new to

712
00:54:38.440 --> 00:54:43.480
just Colorado. No, no,
it's any any state. It's any state

713
00:54:43.599 --> 00:54:47.519
that has an ozone problem. There
are certain standards they put out now.

714
00:54:47.559 --> 00:54:52.000
They say for vehicle performance. Okay, I look this up for vehicle performance.

715
00:54:52.599 --> 00:54:55.320
Now. I don't know if this
is just towing the company line right

716
00:54:55.360 --> 00:55:00.039
here, this AI, because AI
is no matter how you look at it

717
00:54:59.880 --> 00:55:02.559
is politically correct, no matter what. Now I do listen, thank you.

718
00:55:02.639 --> 00:55:06.880
I do love it for certain things. But it says here it does

719
00:55:07.000 --> 00:55:13.679
nothing to nothing to hurt performance of
the car. I find that hard to

720
00:55:13.679 --> 00:55:16.800
believe. Well, I've seen other
articles to say that it does cause larger

721
00:55:17.039 --> 00:55:22.039
carbon build up problems. Oh really, it says risk cleaner, it burns

722
00:55:22.119 --> 00:55:27.840
cleaner, and it says here may
reduce the incidents of some issues. Actually,

723
00:55:28.039 --> 00:55:30.000
so this is actually telling me.
The AI is telling me it's going

724
00:55:30.079 --> 00:55:35.760
to be good for your car.
This says low formulated UH quality gasolines will

725
00:55:36.119 --> 00:55:38.480
cause more carbon build up in the
injectors, leaky valves due to seat deposits,

726
00:55:38.480 --> 00:55:43.599
corrosion of sensors, and other problems. Blasphemy. It's not going to

727
00:55:43.639 --> 00:55:46.800
do anything. Professor Bing says it's
good for your car and good for the

728
00:55:46.960 --> 00:55:52.679
environment. In fact, it even
says that if your Chevy wants to identify

729
00:55:52.679 --> 00:55:55.719
as a Subaru, it's okay too. Three oh three seven, one three

730
00:55:55.840 --> 00:56:06.239
A two five fives Go with a
sure thing Denver's Best roofer Excel roofing dot

731
00:56:06.280 --> 00:56:12.960
com. You don't pay a cent
until you're content. Time for an insurance

732
00:56:13.039 --> 00:56:16.280
check up free, no obligation.
In comparison, call compass insurance paying too

733
00:56:16.360 --> 00:56:21.280
much your coverage at dozens of insurance
companies. Find out now three oh three

734
00:56:21.400 --> 00:56:23.840
seven seven to one. Help.
You'll think you're his only customer when you

735
00:56:23.920 --> 00:56:29.079
choose Frank durand the real estate man
dot com to list your home with Remax

736
00:56:29.119 --> 00:56:37.280
Alliance three oh three nine two zero
sixteen twenty two. Hi Tom Martine here

737
00:56:37.639 --> 00:56:42.000
three all three seven one three talk
three A three seven one three eight two

738
00:56:42.039 --> 00:56:46.039
five to five aloa aloha. Is
that your name? Ye hi? I

739
00:56:46.159 --> 00:56:49.199
bet you, I know, I
bet you, I know where you were

740
00:56:49.239 --> 00:56:54.840
born or conceived. I want to
thank you so much for letting me talk

741
00:56:54.920 --> 00:56:58.960
with you. What's going on with
you? You have a question? Yeah,

742
00:56:59.159 --> 00:57:04.800
it's a roof. We had the
roofer and the adjuster of the insurance

743
00:57:04.960 --> 00:57:07.920
went together. They should never go
together. I had this speech yesterday,

744
00:57:07.960 --> 00:57:12.639
but all right, go ahead.
So the roofer and adjuster went up on

745
00:57:12.719 --> 00:57:16.400
the roof together to do a screwjob
to the homeowner. What happened, I

746
00:57:16.440 --> 00:57:22.719
don't know what, but anyway,
the insurance sent me a check, and

747
00:57:22.880 --> 00:57:29.960
I thought I was supposed to bring
the check over to the company. No.

748
00:57:29.960 --> 00:57:31.320
No, hold on, Hold on, hold on. That's the second

749
00:57:31.360 --> 00:57:37.159
mistake. First mistake is having the
adjuster and the roofer collude. The second

750
00:57:37.199 --> 00:57:40.039
mistake is to give them a down
payment of that entire check. Now,

751
00:57:40.199 --> 00:57:46.840
what did your who's your insurance company? First of all, travelers? Okay,

752
00:57:46.920 --> 00:57:51.039
you got a good company. Now, how much did they say the

753
00:57:51.079 --> 00:57:58.920
whole roof was going to cost?
Eighteen eighteen thousand? And how much is

754
00:57:58.920 --> 00:58:06.360
your deductiball? None? What do
you mean none? I don't have a

755
00:58:06.440 --> 00:58:12.880
deductible? Yes, you do.
They are blessing me. You mean the

756
00:58:12.960 --> 00:58:19.079
roofer is yes. Okay, So
the roofer is committing insurance fraud and you're

757
00:58:19.199 --> 00:58:22.280
getting black. He's giving her a
discount mark, they're not allowed. Okay,

758
00:58:22.519 --> 00:58:27.360
she's supposed to pay the first one
thousand, two thousand and three thousand

759
00:58:27.440 --> 00:58:30.199
for it, whatever it is,
no matter how much it's discounted. I'm

760
00:58:30.199 --> 00:58:32.920
not going to get into that right
now. But here's the mark. Don't

761
00:58:34.039 --> 00:58:37.280
Isn't that how you understand it?
Mark or not? I understand I mean

762
00:58:37.480 --> 00:58:42.480
text, I mean tech deductible.
But I think there's ways around it.

763
00:58:42.559 --> 00:58:45.559
Jay Brents would know the answer,
and so would Compass. I want to

764
00:58:45.599 --> 00:58:50.119
get Compass on and ask them that. Okay, So here's my question.

765
00:58:51.039 --> 00:58:54.559
Aloha, alohah, so it's eighteen
grand. And what is the first check

766
00:58:54.639 --> 00:59:00.039
you got? How much? I
think it was eighteen? Well? Hold

767
00:59:00.119 --> 00:59:05.880
on, they sent you one of
the check up front. Yes, And

768
00:59:06.000 --> 00:59:12.360
is it made out? And that's
including that's including the gutter system as well.

769
00:59:12.480 --> 00:59:15.199
Okay, did they include exu me? Did they make out the check

770
00:59:15.280 --> 00:59:21.440
to both you and the and the
mortgage company? Oh? Just me?

771
00:59:22.159 --> 00:59:27.360
I didn't even look at this check. All right, So here is here's

772
00:59:27.400 --> 00:59:32.639
what I'm telling you. Did you
sign a contract with the roofer? Yes?

773
00:59:35.880 --> 00:59:42.880
Who is the rufer? I did
a Yates Enterprises? And how did

774
00:59:42.880 --> 00:59:49.360
you find the roofer? Oh?
By a friend? You know, if

775
00:59:49.360 --> 00:59:52.199
you look at that If you look
at that contract, I looked at one

776
00:59:52.199 --> 00:59:57.440
of their contracts, there's a twenty
five percent penalty for canceling. Right,

777
00:59:57.639 --> 01:00:04.159
my name, that's only my name, I guess. Aloha is having a

778
01:00:04.199 --> 01:00:09.599
second conversation with someone else with my
son. Tell your son to be quiet

779
01:00:09.599 --> 01:00:16.119
for a minute. Hey, Aloha, Aloha? Right now, it's too

780
01:00:16.159 --> 01:00:22.199
late. You already signed a contract, but travelers approve the amount. My

781
01:00:22.360 --> 01:00:25.440
only caution to you is do not
pay that check to anyone until the job

782
01:00:25.880 --> 01:00:30.360
begins. Materials are delivered and you
pay as you go. Do not give

783
01:00:30.400 --> 01:00:35.559
them the whole check. Do not
pay for that whole job up front.

784
01:00:35.920 --> 01:00:39.400
Do not do it all right,
that's it won't all right? And hey,

785
01:00:40.000 --> 01:00:44.840
real quick though, on that deductible, Tom, Yes, on the

786
01:00:44.880 --> 01:00:47.800
deductible. Think about it like this. Let's say the deductibles one thousand bucks.

787
01:00:49.119 --> 01:00:52.480
She pays that first thousand bucks,
they discount her one thousand dollars.

788
01:00:52.719 --> 01:00:57.760
So with the end she is left
with that thousand dollars back in her bank

789
01:00:57.760 --> 01:01:00.519
account. That's right. That's a
way to do that. That's a great

790
01:01:00.519 --> 01:01:06.119
way to put that. Uh huh
yeah, Okay, Now leave it to

791
01:01:06.159 --> 01:01:09.760
Mark to come up away to shaft
the I'm just kidding, Debbie. What's

792
01:01:09.840 --> 01:01:15.360
going on? Debbie? Yes,
I had a fire in my house,

793
01:01:15.719 --> 01:01:19.159
my stove two weeks ago. Oh
how bad was it? How bad was

794
01:01:19.199 --> 01:01:22.360
it? Debbie? It was then
LGA oven and the burner went on without

795
01:01:22.400 --> 01:01:28.159
me touching the Holy crap. Are
you lucky that it didn't burn your house

796
01:01:28.239 --> 01:01:30.239
down? Anyway? What's your question? What's going on? Question is is

797
01:01:30.400 --> 01:01:35.599
LG is not giving me any kind
of compensation? Well, hold on,

798
01:01:35.679 --> 01:01:38.519
you do have homeowner's insurance covering it
right, Yes, but it's a big

799
01:01:38.559 --> 01:01:44.599
deductible. How much is your deductible? It's like fifteen hundred and okay,

800
01:01:44.639 --> 01:01:47.280
well there's a few things you can
do. First of all, you contacted

801
01:01:47.400 --> 01:01:52.239
LG. What did they say.
They wanted somebody from Sears Repair to come

802
01:01:52.280 --> 01:01:57.360
out and nose the damage, and
you know, to see if they could

803
01:01:57.360 --> 01:02:00.400
repair it. And I said,
it's not repairable, and I, well,

804
01:02:00.440 --> 01:02:05.199
they are going to replace. Now
you got to give there's two issues

805
01:02:05.239 --> 01:02:09.440
here. There's the stove itself and
then there is the damage. So on

806
01:02:09.599 --> 01:02:15.119
the stove itself, what are they
proposing to do? They wanted Sears to

807
01:02:15.159 --> 01:02:19.039
come out and see if they could
repair it. That's not unreasonable for them

808
01:02:19.079 --> 01:02:22.960
to look at that. That's not
unreasoned. The class action lawsuit against this

809
01:02:22.079 --> 01:02:27.159
oven because the knobs go off inadvertently. So is this a ranger a cook

810
01:02:27.199 --> 01:02:30.800
top? It's a glass cook top. Okay, now listen, here's the

811
01:02:30.840 --> 01:02:37.000
thing. I'm not telling you that
you have to do what they say,

812
01:02:37.480 --> 01:02:39.920
but you have to at least let
them look at it. I tried.

813
01:02:40.039 --> 01:02:44.280
I took off work yesterday and they
were supposed to call me an hour before

814
01:02:44.280 --> 01:02:49.440
they came, and they never did
those idiots those? Okay, so you

815
01:02:49.480 --> 01:02:52.239
don't want How new is this cook
top? By the way, how old

816
01:02:52.280 --> 01:02:57.280
is it? Well, it's like
seven years old. But I don't use

817
01:02:57.320 --> 01:03:00.079
the oven often? Is it?
You keep saying oven? Is it?

818
01:03:00.280 --> 01:03:04.880
You said cook top? So it's
an oven with a cook top. It's

819
01:03:04.920 --> 01:03:07.000
a range. It's a range,
I got it. And it's the oven

820
01:03:07.079 --> 01:03:10.360
part that caused the fire. Right, it's the knobs that are on the

821
01:03:10.440 --> 01:03:15.079
front. Yes, okay, So
on this what I'd like to know about

822
01:03:15.599 --> 01:03:22.679
on this arrange where it start a
fire. It's seven years old. It's

823
01:03:22.679 --> 01:03:27.960
not under warranty, is it?
No? Okay, then here's what I

824
01:03:28.000 --> 01:03:30.360
think. And it's gonna sound weird
to you. LG doesn't owe you anything,

825
01:03:32.119 --> 01:03:37.800
but but you should take part in
the class action. You should call

826
01:03:37.880 --> 01:03:40.920
your homeowner's insurance and then you should
sue them in small claims court for the

827
01:03:42.000 --> 01:03:45.599
deductible. But your homeowner's insurance will
go after them too. But you don't

828
01:03:45.599 --> 01:03:50.000
have to. You don't have to
do a major deal. If you want,

829
01:03:50.199 --> 01:03:55.199
you could probably sue LG in a
small claims court for your deductible,

830
01:03:55.639 --> 01:03:59.800
but they don't have to give you
that deductible. It's a seven year old,

831
01:04:00.519 --> 01:04:04.320
and they don't have to admit fault
because they're not going to and they

832
01:04:04.360 --> 01:04:09.239
don't have to do anything under warranty. So if they wanted someone to come

833
01:04:09.280 --> 01:04:13.159
out to look at it, I
would let them. There's no harm that's

834
01:04:13.159 --> 01:04:15.639
going to come from you look to
do that. Yeah, I know,

835
01:04:15.760 --> 01:04:17.320
I understand. No, I know. And they didn't show up. So

836
01:04:17.760 --> 01:04:24.320
here's the deal. We can call
Sears and find out why did Sears not

837
01:04:24.360 --> 01:04:27.679
show up? Did they tell you
they did show up, They just didn't

838
01:04:27.719 --> 01:04:30.960
give me any notification. And so
they sent me a text message that they

839
01:04:30.960 --> 01:04:34.320
were on their way instead of calling
me because I was forty minutes away.

840
01:04:34.519 --> 01:04:38.719
Oh my goodness, so they never
got to look at it, right,

841
01:04:39.440 --> 01:04:43.320
No, oh damn it? All
right? Hey, Tom, I have

842
01:04:43.400 --> 01:04:46.400
a question if there's a class is
there a class action suit? Debbie?

843
01:04:47.000 --> 01:04:51.119
There is against the Knobs on this, okay? Where yours caught fire?

844
01:04:51.199 --> 01:04:55.079
Right? Does she have to opt
out to be done included? Tom?

845
01:04:55.480 --> 01:04:57.719
It depends some of them. You
have to opt out. Some of them

846
01:04:57.719 --> 01:05:01.320
you have to opt in. Wells
opt out? Then enough you have to

847
01:05:01.320 --> 01:05:04.440
opt out. Right, if she
has to do that, before she did,

848
01:05:04.480 --> 01:05:08.199
you did you become part of it. By the way, did you

849
01:05:08.239 --> 01:05:11.719
go yes, Well that's the first
thing you do. The second thing you

850
01:05:11.760 --> 01:05:14.840
do is your homeowners insurance. Did
you put in a claim for your homeowners

851
01:05:15.719 --> 01:05:18.719
I didn't because the deductible so high
and I figured they'd jack up my rates

852
01:05:18.800 --> 01:05:21.199
if I did it. Well,
no, you bet you better put in

853
01:05:21.400 --> 01:05:24.960
You better put in a claim or
you're not going to get your repairs on.

854
01:05:25.199 --> 01:05:28.920
Do you have repairs to your house? No, just it would be

855
01:05:28.960 --> 01:05:32.159
the other Wait a minute, melt
so there was no there's no damage to

856
01:05:32.239 --> 01:05:36.880
your home, right, No,
okay, it's just smoke damage. And

857
01:05:36.920 --> 01:05:42.800
then the microwave is melted. Well, okay, you have to figure out

858
01:05:42.880 --> 01:05:45.760
if it's worth putting in a claim. It might be worth putting in a

859
01:05:45.800 --> 01:05:49.679
claim. If it if it might
be thousands of dollars, I would have

860
01:05:49.760 --> 01:05:55.079
it looked at. But as far
as LG, as crazy as this sounds,

861
01:05:55.119 --> 01:05:59.800
they don't automatically owe you anything.
If it was under warranty, they'd

862
01:05:59.800 --> 01:06:04.039
owe you a new stove. It's
not under warranty, So I would try

863
01:06:04.079 --> 01:06:08.159
to get them to come out again
and see what they propose for you.

864
01:06:09.719 --> 01:06:13.920
I don't know what else to say, because it's used and it's seven years

865
01:06:13.920 --> 01:06:16.199
old. Now, yes, should
you become part of that class action?

866
01:06:16.400 --> 01:06:26.480
Yes? Sign up immediately Go with
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867
01:06:26.599 --> 01:06:32.079
dot com. You don't pay a
cent until you're content. Time for an

868
01:06:32.119 --> 01:06:38.960
insurance checkup free, no obligation comparison
call Compass Insurance paying too much your coverage

869
01:06:38.960 --> 01:06:42.639
at dozens of insurance companies find out
now three oh three seven to seven to

870
01:06:42.679 --> 01:06:45.360
one. Help. You'll think you're
his only customer when you choose Frank durand

871
01:06:45.360 --> 01:06:49.760
the real estate Man dot com to
list your home with Remax Alliance three oh

872
01:06:49.840 --> 01:06:59.599
three nine two zero sixteen twenty two. Hey Tom Martino, you're a troubleshooter

873
01:06:59.639 --> 01:07:02.519
three aero three seven to one three
talk three h three seven to one,

874
01:07:02.559 --> 01:07:09.079
three eight two five to five.
Okay, So this is a word that's

875
01:07:09.239 --> 01:07:14.440
really important when it comes to appliances
or anything in your home that might cause

876
01:07:14.519 --> 01:07:17.920
damage. And I want to make
this clear. That woman had a LG

877
01:07:18.119 --> 01:07:23.039
range that caused a fire. There's
a class action suit. They might be

878
01:07:23.119 --> 01:07:26.800
guilty as hell or liable as hell
as we put it in civil matters.

879
01:07:27.199 --> 01:07:30.519
But here's the point. They will
never automatically pay a damage. Now,

880
01:07:30.559 --> 01:07:35.000
I think they should. I think
sometimes these companies are short sighted. But

881
01:07:35.320 --> 01:07:39.159
in this case, a seven year
old range, she said, they won't

882
01:07:39.159 --> 01:07:41.719
do anything for me, except they
did say they'll come out and look at

883
01:07:41.760 --> 01:07:44.440
it. Blah blah blah. Okay, but here's the bottom line. If

884
01:07:44.440 --> 01:07:46.599
you have insurance, you go to
your insurance, your insurance will subrogate.

885
01:07:46.880 --> 01:07:50.119
You can always go to them for
small claims, court for your deductible,

886
01:07:50.199 --> 01:07:55.599
or wait for your insurance to subrogate
to get back your deductible. But another

887
01:07:55.599 --> 01:08:00.280
thing we need to realize is the
manufacturer of the thing that caused problems will

888
01:08:00.320 --> 01:08:03.559
never, ever, ever, ever
just admit it and do the right thing,

889
01:08:05.239 --> 01:08:11.840
unless unless they think it's going to
cost them less. They always gamble,

890
01:08:11.920 --> 01:08:15.279
and they're usually stupid. There are
a few companies here and there that

891
01:08:15.399 --> 01:08:20.000
might say as a good will gesture, and then they want you to sign

892
01:08:20.119 --> 01:08:26.439
something so you won't take the good
will gesture and then become part of a

893
01:08:26.439 --> 01:08:30.119
class action. There's nothing wrong with
that, but never sign a release or

894
01:08:30.159 --> 01:08:34.680
a waiver until you know the extent
of your damage. This is the problem

895
01:08:34.720 --> 01:08:41.119
people have when they do it.
Prematurely, so she had not assessed her

896
01:08:41.159 --> 01:08:43.520
full damage. She said, well, it's just to the arrange sation.

897
01:08:43.520 --> 01:08:45.039
You go, oh, the microwave
melted, and oh they're smoked damage.

898
01:08:45.039 --> 01:08:48.680
And you know, smoke damage in
and of itself can cost money to get

899
01:08:48.680 --> 01:08:54.760
that out of your clothes and your
upholstery or whatever is damaged. So never

900
01:08:54.840 --> 01:08:59.319
take that lightly. So here's the
first thing I say. With damage caused

901
01:08:59.319 --> 01:09:02.720
by something, get a professional opinion
on repairs. That's the first thing.

902
01:09:02.960 --> 01:09:12.920
The extent of damage, then source
of problem. So extent of damage,

903
01:09:13.359 --> 01:09:18.439
then source of problem. Once you
have that, then you contact your homeowner's

904
01:09:18.439 --> 01:09:23.600
insurance just to keep your rights alive. But don't contact them. If it's

905
01:09:23.680 --> 01:09:27.359
so small you can pay for it, because she is right, the more

906
01:09:27.439 --> 01:09:30.319
claims you have it could jack up. One claim like this won't jack up

907
01:09:30.359 --> 01:09:34.399
anything, especially if it's not your
fault. If you are not cooking and

908
01:09:34.479 --> 01:09:39.119
it happened. If it happened on
its own, it's not chargeable. Now,

909
01:09:39.159 --> 01:09:42.439
if you had three or four not
chargeables, that would screw you,

910
01:09:42.479 --> 01:09:45.920
but in this case it would not. So you contact your insurance. If

911
01:09:45.039 --> 01:09:50.399
the damage is substantial, then you
contact the manufacturer and try to tell them

912
01:09:50.439 --> 01:09:56.439
you'd rather have a good will adjustment
and don't make it sound like you're after

913
01:09:56.520 --> 01:10:00.680
them. Do those things and you'll
usually have a better outcome. All right,

914
01:10:00.720 --> 01:10:02.159
I'm Tom Martinez. We have a
lot more coming up on The Troubleshooter

915
01:10:02.199 --> 01:10:05.479
Show. Three oh three seven one
three talks seven one three eight two five

916
01:10:05.680 --> 01:10:14.840
five. Go with a sure thing
Denver's best roofer Excel Roofing dot com.

917
01:10:14.880 --> 01:10:20.439
You don't pay a cent until you're
content. Leave time for an insurance check

918
01:10:20.560 --> 01:10:26.760
up free, no obligation comparison call
Compass Insurance paying too much your coverage at

919
01:10:26.760 --> 01:10:30.840
dozens of insurance companies find out now
three oh three seven seven one help.

920
01:10:30.000 --> 01:10:33.800
You'll think you're his only customer when
you choose Frank durand the real estate Man

921
01:10:33.880 --> 01:10:39.319
dot com to list your home with
Remax Alliance three oh three nine two zero

922
01:10:39.439 --> 01:10:55.439
sixteen twenty two rift need so you
don't have come run anxious as fast as

923
01:10:55.439 --> 01:11:01.479
we can. Shoot's gonna help.
Come, man, This is the Troubleshooter

924
01:11:01.600 --> 01:11:08.560
Show. No Tom Martinez. Hey, I'm Tom Martino. You're troubleshooter.

925
01:11:08.640 --> 01:11:11.520
Welcome to the show. Three oh
three seven to one three Talk three oh

926
01:11:11.560 --> 01:11:14.680
three seven, one, three,
eight, two, five five one.

927
01:11:14.760 --> 01:11:18.720
Clear Choice Garage Doors will get you
the best garage door openers or doors or

928
01:11:18.800 --> 01:11:24.439
service and it's all transparent pricing on
their website. You know, when it

929
01:11:24.479 --> 01:11:27.600
comes to garage doors, you need
someone who's factory authre right, someone who's

930
01:11:27.600 --> 01:11:30.279
know what they're doing, someone who
can repair a door, adjust the door.

931
01:11:30.680 --> 01:11:34.279
I've used them for many, many
years and they're the company you want.

932
01:11:34.720 --> 01:11:41.600
One. Clear Choice Doors dot Com. That's where all their prices are

933
01:11:41.640 --> 01:11:46.159
for everything they do. Okay,
I would like to get Compass Insurance Group

934
01:11:46.199 --> 01:11:53.439
on if we can, Kelly,
Kelly, Hello Compass to talk about deductibles,

935
01:11:53.479 --> 01:11:57.479
because Mark came up with something creative
and I want to see what they

936
01:11:57.520 --> 01:12:02.319
think of that. He so real
quick. I also want to get that

937
01:12:02.399 --> 01:12:08.079
other woman on that I sent you
the number four, Kelly. This woman

938
01:12:08.199 --> 01:12:13.159
is being sued by a renter and
I really want to talk about why she's

939
01:12:13.199 --> 01:12:17.039
being sued. And you know,
landlords, by the way, are getting

940
01:12:17.039 --> 01:12:20.840
the hell out of the business.
Numbers of them are getting out and they

941
01:12:20.840 --> 01:12:24.399
wanted to get rid of their tenants
first, or they want to get rid

942
01:12:24.439 --> 01:12:30.279
of their tenants before all these new
laws take effect. So there's a record

943
01:12:30.359 --> 01:12:34.760
number of evictions going on, record
number of evictions. Well, you can't

944
01:12:34.800 --> 01:12:39.199
hardly blame them from all the stuff
they went through with cold exactly. So

945
01:12:39.319 --> 01:12:44.079
I'm going to tell you what's going
to happen the exact opposite of what the

946
01:12:44.159 --> 01:12:50.560
lawmakers wanted. They wanted to make
housing more stable, more affordable, and

947
01:12:50.880 --> 01:12:58.560
give renters more rights. Instead,
they're going to cut down on the number

948
01:12:58.600 --> 01:13:01.479
of landlords. They're going to cut
down on the number of units available,

949
01:13:01.880 --> 01:13:09.479
and they're going to end up screwing
people who truly need to rent. So

950
01:13:09.560 --> 01:13:13.319
the eviction hotline, by the way, is going off the hook. I

951
01:13:13.359 --> 01:13:17.479
didn't even know there was an eviction
hotline, but after the pandemic, they

952
01:13:17.560 --> 01:13:25.039
started this care hotline or care center. And here's what is going on.

953
01:13:25.640 --> 01:13:32.760
Calls are like out the nose.
Do you know they're going to see seventy

954
01:13:33.359 --> 01:13:44.800
thousand eviction filings seventy thousand this year. Last year there were fifty five thousand.

955
01:13:45.319 --> 01:13:50.119
So what people are doing are shedding
rentals in order to sell their properties.

956
01:13:51.199 --> 01:13:56.920
Keep that in mind, the rental
market is not going to get better,

957
01:13:57.439 --> 01:14:01.239
it's going to get worse. Now
am I saying these laws are all

958
01:14:01.239 --> 01:14:04.399
bad news. I mean, I'm
in the business of consumer advocacy and I

959
01:14:04.439 --> 01:14:09.880
don't like the fact that tenants used
to have no rights. I hated that

960
01:14:10.000 --> 01:14:14.960
back then, and I think I
think habitability standards are a good thing,

961
01:14:15.600 --> 01:14:18.520
a great thing. Do I think
the just cause is a good law?

962
01:14:18.600 --> 01:14:21.760
No? I don't. The just
cause says you can't get rid of somebody

963
01:14:21.920 --> 01:14:27.800
just because. Basically, you have
to have a just cause and it can't

964
01:14:27.840 --> 01:14:33.840
be just because you when you want
to end the least, there literally has

965
01:14:33.920 --> 01:14:39.800
to be a reason, and it
has to be a reason that they feel

966
01:14:40.439 --> 01:14:45.479
is justified by law, which many
times you have to prove. It is

967
01:14:45.640 --> 01:14:53.880
assumed you don't have a good reason
if someone takes you to court. And

968
01:14:53.920 --> 01:14:59.079
that's just one of the many things
happening in the tenant landlord business that is

969
01:14:59.119 --> 01:15:02.039
making it in possible for landlords.
They don't want to do it anymore.

970
01:15:02.840 --> 01:15:06.720
But I like the habitability standards part
of it. I do. Now Ida

971
01:15:06.840 --> 01:15:12.119
is facing a problem with a renter, and when I heard about the problem,

972
01:15:12.199 --> 01:15:15.039
I thought this would be interesting for
the show. When they contacted me,

973
01:15:15.119 --> 01:15:16.920
so I want to get her on
the air. Ida, What is

974
01:15:17.000 --> 01:15:25.039
happening with you? Ida? What
happened with your rental? Well, she

975
01:15:25.159 --> 01:15:30.239
signed the lease. We signed leases
on February the twentieth. About the twenty

976
01:15:30.479 --> 01:15:32.960
now February of this year, of
this year, yes, okay, and

977
01:15:32.960 --> 01:15:40.159
what was for one year lease?
Yes, okay, go ahead. About

978
01:15:41.319 --> 01:15:45.439
the twenty sixth of February, she
called and said the house had black mold,

979
01:15:45.439 --> 01:15:53.960
which was certainly a surprise to us. Okay. So every day she

980
01:15:54.159 --> 01:15:58.960
called and said there was black mole. This was in February. This was

981
01:15:58.960 --> 01:16:02.319
in February, so March, the
first ten days after we signed the lease,

982
01:16:02.720 --> 01:16:06.000
I offered to give her. She
gave me a check for twenty five

983
01:16:06.079 --> 01:16:12.159
hundred dollars, and I offered to
give her all her money back. And

984
01:16:12.199 --> 01:16:17.000
they had not totally moved out of
their apartment, so they could move back

985
01:16:17.079 --> 01:16:21.279
into their apartment. Well, and
or what was really nice is if they

986
01:16:21.319 --> 01:16:25.640
didn't you, In other words,
you're not holding them to the lease.

987
01:16:25.920 --> 01:16:29.520
I mean, if it was too
late to get their money back and not

988
01:16:29.640 --> 01:16:31.960
move in, they could have at
least moved in. And you were willing

989
01:16:32.000 --> 01:16:38.479
to let them out, right,
yes, yeah, okay, And she

990
01:16:38.640 --> 01:16:43.079
refused. So they'd liked the house, so she continued to say, that

991
01:16:43.119 --> 01:16:45.840
it was black mold. Okay,
did you say that? Wait? Wait,

992
01:16:45.000 --> 01:16:49.039
when she said there's black mold and
you said you can get your money

993
01:16:49.039 --> 01:16:53.520
back, they said no, we'll
move in. Then did you say,

994
01:16:53.560 --> 01:16:56.680
okay, I'll get the black mold
fixed or did they say we want it

995
01:16:56.760 --> 01:17:03.039
fixed? Or what happened after that? Uh? Oh? We offered to

996
01:17:04.880 --> 01:17:09.239
She thought it was in a ceiling
in one of the bathrooms. We offered

997
01:17:09.279 --> 01:17:13.319
to take the ceiling down and check
it out. Well. We offered first

998
01:17:13.319 --> 01:17:16.079
a payment, and she refused that
what do you mean payment? What do

999
01:17:16.159 --> 01:17:19.319
you mean payment? Pate? Oh, paint, I'm sorry, go ahead,

1000
01:17:19.720 --> 01:17:27.840
yes, paint it, and she
refused. So then we uh offered

1001
01:17:28.119 --> 01:17:31.199
And I have all of this on
I text all of this, so I

1002
01:17:31.239 --> 01:17:36.000
still have it on my tips.
And so then we offered to go into

1003
01:17:36.039 --> 01:17:43.000
that bathroom and tear everything out and
check well. She didn't want to when

1004
01:17:43.000 --> 01:17:45.319
you offered, no, but she
likes the place and wants to stay there,

1005
01:17:45.880 --> 01:17:48.359
but she didn't want you to fix
it. I don't get it.

1006
01:17:48.800 --> 01:17:54.079
She wanted to stay there, what
did she want? She had a plumber

1007
01:17:54.159 --> 01:17:59.000
friend that she wanted to come in
and he checked for the black move and

1008
01:17:59.079 --> 01:18:01.359
I told him. What did the
plumber say about the black mold? Well,

1009
01:18:01.399 --> 01:18:04.920
I didn't let him go in.
Instead, we had we listened to

1010
01:18:04.960 --> 01:18:14.439
your show quite often and had heard
about the American Restoration Restoration, right,

1011
01:18:15.199 --> 01:18:20.239
So I called on the next Monday
morning and got their address or their telephone

1012
01:18:20.319 --> 01:18:28.680
number. I then called and made
an appointment for Tuesday at eleven o'clock in

1013
01:18:28.720 --> 01:18:31.239
the morning. Okay. And I
called and told her and asked her if

1014
01:18:31.239 --> 01:18:34.479
she would be there. She said
yes, she would be there that night

1015
01:18:35.159 --> 01:18:41.520
about eleven o'clock. I received a
test from her saying that they got sick

1016
01:18:42.640 --> 01:18:51.000
and they had to go to a
extended state hotel. And then he came

1017
01:18:51.039 --> 01:18:58.840
out Wednesday morning or Tuesday morning,
I mean, and started chating, did

1018
01:18:58.880 --> 01:19:01.800
all the tests. What did he
What did he say? What did American

1019
01:19:01.840 --> 01:19:09.239
Restoration twenty four to seven say?
He said there was no destructive mold in

1020
01:19:09.239 --> 01:19:13.039
that house? Okay, Well that's
great. And he did mold testing,

1021
01:19:14.000 --> 01:19:17.199
he did all of it, good, excellent stuff. Now what's going on?

1022
01:19:19.000 --> 01:19:23.079
Well, you wouldn't believe what she
said. She said that I paid.

1023
01:19:23.560 --> 01:19:27.399
He's a black man, wonderful person. Yeah, rock, he's a

1024
01:19:27.439 --> 01:19:30.279
wonderful guy. Well, what did
being black have anything to do with it?

1025
01:19:30.920 --> 01:19:34.600
Well, she said, I paid
him under the table to say that.

1026
01:19:35.560 --> 01:19:41.399
Oh my god, oh my god. Okay, check sauso. Okay,

1027
01:19:41.800 --> 01:19:44.840
he's not going to put his reputation
on the line for a landlord.

1028
01:19:45.239 --> 01:19:47.720
So so what did she so?
Okay? So she says, I don't

1029
01:19:47.720 --> 01:19:57.359
believe it? So okay. Well, once before that I had offered for

1030
01:19:57.439 --> 01:19:59.640
them to move and I would give
him all their money back. Now I

1031
01:19:59.680 --> 01:20:01.640
get it, I get it.
So what do they want? They don't

1032
01:20:01.640 --> 01:20:04.760
want you to fix it. They
don't believe there's no mold. They don't

1033
01:20:04.800 --> 01:20:08.520
want to out, they don't want
to refund. What the hell do they

1034
01:20:08.560 --> 01:20:14.560
want? Well, now she's well, she took me to I mean she

1035
01:20:14.680 --> 01:20:20.399
called the it's in Adams County.
She called Adams County Health Department and they

1036
01:20:20.439 --> 01:20:26.960
called and they cleared it that same
day. Do you mean the health department

1037
01:20:27.079 --> 01:20:31.079
also said there was no problem.
That's right. I gave him the telephone

1038
01:20:31.119 --> 01:20:36.359
number of the young man that came
out, and also said, so the

1039
01:20:36.439 --> 01:20:43.960
tenant called. The tenant called Adams
County, yes, okay. And then

1040
01:20:44.039 --> 01:20:47.640
she calls her. They had renters
insurance and she called the adjuster for the

1041
01:20:47.680 --> 01:20:54.079
renters insurance and said they had to
throw away a lot of stuff. Oh

1042
01:20:54.119 --> 01:20:57.560
man, are they sisters? They
these people, these people are doing a

1043
01:20:57.640 --> 01:21:01.079
con right now, they're doing a
con. Yes, we know. So

1044
01:21:01.119 --> 01:21:05.720
now what do they want? Well, now she's taking me to small claims

1045
01:21:05.760 --> 01:21:11.520
court in Adams County. And how
much does she want? John Allison five

1046
01:21:11.600 --> 01:21:15.319
hundred that's the limit. And my
husband and my husband does not own any

1047
01:21:15.359 --> 01:21:18.960
of the house. Well, okay, this is going to be You're not

1048
01:21:19.000 --> 01:21:23.359
gonna lose. How are you going
to lose? I would take Rock with

1049
01:21:23.479 --> 01:21:28.359
you or bring his report with you, and the Adams County Health Department.

1050
01:21:28.680 --> 01:21:31.039
I mean, do you realize she
has to prove a number of things.

1051
01:21:31.079 --> 01:21:35.439
First, First, she has to
prove she tried to mitigate her damages.

1052
01:21:35.800 --> 01:21:40.039
She didn't. No, no,
that's not first. First she has to

1053
01:21:40.079 --> 01:21:44.039
prove there's black mold. If she
could prove there was black mold, more

1054
01:21:44.079 --> 01:21:48.800
than her plumber, you got a
professional, now an epa professional, you

1055
01:21:48.880 --> 01:21:54.000
got the health department. If she's
never going to prove it, even if

1056
01:21:54.000 --> 01:21:58.239
she could prove it, she has
to prove that she did not try.

1057
01:21:58.439 --> 01:22:02.000
You can show she did not mitigate
her damages. All she's doing is a

1058
01:22:02.039 --> 01:22:05.560
money grab. I hope to God
you don't give in to this woman.

1059
01:22:06.399 --> 01:22:15.359
Oh, I don't intend to.
One of my questions is should I I

1060
01:22:15.359 --> 01:22:18.079
mean, she broke the lease.
I did not break the lease. I

1061
01:22:18.199 --> 01:22:21.920
never gave her an eviction notice.
I never even mentioned a visual Okay,

1062
01:22:21.920 --> 01:22:26.840
So is she out of the place
right now? Yes, you could damn

1063
01:22:26.840 --> 01:22:30.359
near. You could sue her.
Yeah, you could sue her for the

1064
01:22:30.439 --> 01:22:34.560
lease. Absolutely, give her a
taste of her own medicine. Should I

1065
01:22:34.640 --> 01:22:39.399
do that to the small Things court? Well? No, because what's the

1066
01:22:39.479 --> 01:22:44.920
value of that lease? Well it's
three thousand dollars a month. Okay,

1067
01:22:44.960 --> 01:22:47.159
that's for thirty six grands. You
know, you might want to talk to

1068
01:22:47.199 --> 01:22:55.840
Brad O'Brien O'Brien Legal Services. Brad
O'Brien is a real estate attorney, and

1069
01:22:55.920 --> 01:22:58.640
you call him, you know what, You may want to sue her,

1070
01:22:58.800 --> 01:23:01.279
or you might just want to because
if you can, always withdraw the suit.

1071
01:23:01.319 --> 01:23:04.800
But yeah, you can sue her. You can sue her because she

1072
01:23:05.159 --> 01:23:11.439
terminated the lease. She's in breach
at the lease. Basically, she turned

1073
01:23:11.479 --> 01:23:16.199
down the offer for a refund,
so therefore she moved in affirming the lease.

1074
01:23:17.000 --> 01:23:21.239
Once she moved in. You also
offered to get any black mold eradicated,

1075
01:23:21.239 --> 01:23:26.039
but they found none. You're in
the driver's see here. I don't

1076
01:23:26.039 --> 01:23:30.960
even know why you're upset about this. Oh, you always get nervous.

1077
01:23:31.479 --> 01:23:35.079
I'm eighty seven years old. Oh
my god, you sound like a spring

1078
01:23:35.199 --> 01:23:40.600
chicken. I don't know you're eighty
seven. Well, we do all,

1079
01:23:40.720 --> 01:23:43.680
we do a lot. Well,
guess I got some good news. Ida.

1080
01:23:43.720 --> 01:23:47.960
You're old enough to be president.
That's true. I run against that.

1081
01:23:48.119 --> 01:23:51.920
Kennedy. Hey, listen, listen
seriously. Here's what I want you

1082
01:23:51.960 --> 01:23:56.479
to do. I want you to
call Brad O'Brian just for the hell of

1083
01:23:56.479 --> 01:23:59.479
it and tell them what's going on. Tell him that you know this story

1084
01:23:59.680 --> 01:24:02.159
and how you wanted to let him
out, but once they moved in,

1085
01:24:02.520 --> 01:24:05.399
you thought it would be fair to
hold them to the lease. Now they're

1086
01:24:05.439 --> 01:24:08.920
trying to sue you, but they're
not living there anymore, right, and

1087
01:24:08.960 --> 01:24:13.399
they haven't paid you? Right,
No, they haven't. I kept after

1088
01:24:13.439 --> 01:24:17.159
they refused it. It's the third
time, and they moved out. Then,

1089
01:24:18.079 --> 01:24:20.399
oh about a week and a half, and you have do you have

1090
01:24:20.520 --> 01:24:27.880
documentation that that that Adams County did
not find anything. Yeah, well,

1091
01:24:27.920 --> 01:24:31.079
I'm going he didn't send me.
I'm going to call him and have him

1092
01:24:31.119 --> 01:24:36.600
send me something. These tenants,
oh my god, are they trying to

1093
01:24:36.640 --> 01:24:42.039
put the con on you? Oh? I know, we kind of figured

1094
01:24:42.039 --> 01:24:51.079
that out from the first Then we
listened. We heard the lady that had

1095
01:24:51.079 --> 01:24:54.680
somebody come in. I don't know, we didn't hear the first episode.

1096
01:24:54.680 --> 01:24:58.279
I don't know how they go in
the house. But she's paid them seventy

1097
01:24:58.319 --> 01:25:04.239
thousand dollars so far. Oh oh, that's right, remember that one.

1098
01:25:04.439 --> 01:25:08.039
Yes, I do. Yeah,
two weeks. Aida. I am so

1099
01:25:08.279 --> 01:25:11.920
happy that you contacted us. I
want you to I want here. Let

1100
01:25:11.960 --> 01:25:15.960
me give you Brad O'Brien's phone number. Okay, just just consult with him.

1101
01:25:15.159 --> 01:25:20.239
It's worth it. O'Brien Legal Services. His name is Brad O'Brien and

1102
01:25:20.279 --> 01:25:29.239
the number is seven to zero three
seven zero seven three eight eight. You

1103
01:25:29.359 --> 01:25:36.239
may want to consider suing their asses. I wouldn't blame you. Go with

1104
01:25:36.319 --> 01:25:41.520
a sure thing Denver's Best roofer Excel
roofing dot com. You don't pay a

1105
01:25:41.600 --> 01:25:47.800
cent until you're content. Time for
an insurance check up free, no obligation.

1106
01:25:47.840 --> 01:25:53.239
In comparison, call Compass insurance,
paying too much your coverage at dozens

1107
01:25:53.239 --> 01:25:56.920
of insurance companies. Find out now
three oh three seven seven to one help.

1108
01:25:57.079 --> 01:26:00.319
You'll think you're his only customer when
you choose Frank Durand and the real

1109
01:26:00.399 --> 01:26:03.920
estate man dot com to list your
home with Remax Alliance three oh three nine

1110
01:26:04.000 --> 01:26:14.880
two zero sixteen twenty two. Hi
Tom Martino here three oh three seven one

1111
01:26:14.920 --> 01:26:17.159
three talks seven one three eight two
five five. Welcome to the show,

1112
01:26:17.680 --> 01:26:24.319
Solving problems, answer question, taking
complaints on a beautiful Friday, and talking

1113
01:26:24.359 --> 01:26:27.520
to Brian Burns's Compass insurance group.
By the way, they do free insurance

1114
01:26:27.600 --> 01:26:30.000
check ups. Remember that, so
you're not paying too much, you're not

1115
01:26:30.079 --> 01:26:32.319
overpaying, underpaying, well, not
underpaying, you're not under insured, you're

1116
01:26:32.359 --> 01:26:35.439
not overpaying, you're not in trouble. If they find you got a great

1117
01:26:35.439 --> 01:26:38.760
deal, they're gonna be honest with
you. Three oh three nine nine six

1118
01:26:38.840 --> 01:26:41.840
nine thousand. Uh. We have
a question. I think Mark came up

1119
01:26:41.880 --> 01:26:47.840
with a creative idea, but we're
always getting these calls Brian about getting not

1120
01:26:47.960 --> 01:26:51.760
paying the deductible. Okay, homeowners
are looking for a way and roofers are

1121
01:26:51.960 --> 01:26:55.720
happy to oblige. You know,
they say, hey, I'll tell you

1122
01:26:55.760 --> 01:27:00.600
what I view. Uh, we're
gonna give you a discount. Yep.

1123
01:27:00.119 --> 01:27:05.439
So then what Mark said to get
around that? Since you have to pay

1124
01:27:05.479 --> 01:27:11.239
the first thousand, what if they
give you a discount of a thousand or

1125
01:27:11.399 --> 01:27:14.600
let's say, let's just assume it's
a thousand, it could be two thousand

1126
01:27:14.600 --> 01:27:17.560
and three thousand for whatever it is, whatever the deductible is. Let's say

1127
01:27:17.560 --> 01:27:21.439
they say to you, okay,
pay the deductible. You pay it.

1128
01:27:21.479 --> 01:27:27.399
Let's so you pay your two grand. Then in the end, after the

1129
01:27:27.439 --> 01:27:30.520
insurance pays, or not after,
but before the insurance pays, they give

1130
01:27:30.560 --> 01:27:36.119
you a discount. You get the
insurance checked, and theoretically you're pocketing that

1131
01:27:36.199 --> 01:27:41.439
two grand you paid to them earlier. So is that cheating? Technically?

1132
01:27:41.479 --> 01:27:45.840
I'm not asking if we know people
do it all the time. But according

1133
01:27:45.840 --> 01:27:49.600
to your insurance contract, Brian,
is that cheating? How it usually works?

1134
01:27:49.640 --> 01:27:55.079
As you get the paperwork you have
to send in that final bill that

1135
01:27:55.159 --> 01:28:00.760
you receive from your So if it
shows a two thousand dollars, So if

1136
01:28:00.760 --> 01:28:04.680
it shows if the roof was twenty, you paid two, and the ending

1137
01:28:04.760 --> 01:28:13.119
balance is now sixteen instead of eighteen, you're only gonna they're gonna get yep.

1138
01:28:13.680 --> 01:28:16.960
Yeah, and you know, and
really this will become a moot points

1139
01:28:17.239 --> 01:28:23.479
as the deductibles get larger because at
some point the contractors can't can't just swallow

1140
01:28:23.640 --> 01:28:29.359
you know, uh, five six
seven thousand dollars of the bid. You

1141
01:28:29.359 --> 01:28:33.359
know, So I yeah, unfortunately
that's just the Porsche that insured is due

1142
01:28:33.920 --> 01:28:38.560
based off of the insurance contract.
But you're exactly right. They do get

1143
01:28:38.600 --> 01:28:42.119
around it at times. I've seen
it, but I don't know how you

1144
01:28:42.159 --> 01:28:45.680
would do it in that way because
you're gonna have to send in that final

1145
01:28:45.680 --> 01:28:50.560
invoice anyways. So what is the
what is the law? Not the law,

1146
01:28:50.600 --> 01:28:55.119
but what is the the the real
down low on this can if your

1147
01:28:55.239 --> 01:29:00.039
roofer gibbs, Okay, let's just
say you pay the deduction the boom and

1148
01:29:00.079 --> 01:29:04.920
then insurance pays at the end,
and you did everything above board, then

1149
01:29:05.520 --> 01:29:10.479
according to a wink wink deal,
you get a rebate from the roof for

1150
01:29:10.760 --> 01:29:15.079
how would that work? Well,
I mean to me, you're you're you're

1151
01:29:15.119 --> 01:29:19.199
saying that the contractor wants to give
that money, that they're just overcharging so

1152
01:29:19.239 --> 01:29:23.840
they can give the client the money
back. The insurance company is ultimately the

1153
01:29:23.960 --> 01:29:28.039
one paying, so that would be
considered, uh, you know, very

1154
01:29:28.199 --> 01:29:30.760
questionable as far as insurance fraud at
some point. Now, if the person

1155
01:29:31.000 --> 01:29:34.800
dealing the actual customers not has anything
to do with it, that's one thing.

1156
01:29:34.880 --> 01:29:39.840
But you start getting into a pretty
slippery area there. I think,

1157
01:29:41.119 --> 01:29:45.560
yeah, that in a perfect world, to the letter of the contract,

1158
01:29:46.399 --> 01:29:49.119
if you get if you did get
a rebate, it should go back to

1159
01:29:49.159 --> 01:29:54.439
the insurance right right. Well,
I mean because you've made you have a

1160
01:29:54.560 --> 01:29:59.880
contract with that company and you're it's
very clearly stated what the deductible is.

1161
01:30:00.079 --> 01:30:04.279
So that's your portion of this expense, and that's what it's is. Let's

1162
01:30:04.279 --> 01:30:09.600
put this, how about this way. Let's say it's a twenty thousand dollars

1163
01:30:09.640 --> 01:30:12.720
roof, You have a two thousand
dollars deductible, The insurance company pays the

1164
01:30:12.800 --> 01:30:15.319
roofer at the end. Let's say
it's a company that doesn't take a cent

1165
01:30:15.439 --> 01:30:19.119
until you're content. And by the
way, I'm not suggesting that Excel Roofing

1166
01:30:19.159 --> 01:30:24.359
does this, but I'm asking if
a company doesn't take a dime upfront and

1167
01:30:24.439 --> 01:30:31.720
at the end, the insurance company
pays eighteen grand and then and then the

1168
01:30:31.760 --> 01:30:39.119
consumer doesn't pay the deductible and the
company doesn't pursue it. I'm not saying

1169
01:30:39.279 --> 01:30:43.199
I'm not saying they mark down the
price. I'm just saying they never ask

1170
01:30:43.319 --> 01:30:45.520
for it. Yeah, And I
have definitely seen this as a matter of

1171
01:30:45.560 --> 01:30:50.479
fact. I've seen companies pay out
a depreciated check that then an insured goes

1172
01:30:50.520 --> 01:30:55.479
out and gets a roof done for
less than that, and at that point,

1173
01:30:55.920 --> 01:30:58.239
I mean, you know, I
guess technically they're supposed to call the

1174
01:30:58.279 --> 01:31:02.119
insurance company, but in my mind, they were very they were responsible about

1175
01:31:02.159 --> 01:31:06.680
finding bids that were actually less than
what the insurance company thought that depreciate value

1176
01:31:06.720 --> 01:31:13.079
was. You mean the entire roof. Yes, yes, I've seen that.

1177
01:31:13.520 --> 01:31:16.760
Wow. Yep. So there is
uh several ways to skin a cat.

1178
01:31:16.800 --> 01:31:21.439
As they say, yeah, all
right, Brian, I appreciated always

1179
01:31:21.439 --> 01:31:28.560
three oh three nine nine six nine
thousand. That's insurance Compass Insurance Group three

1180
01:31:28.600 --> 01:31:30.479
h three nine nine six nine thousand. Can I ask bind a question?

1181
01:31:30.840 --> 01:31:32.960
Oh, Brian, hold on?
Are you there? Brian? Still?

1182
01:31:33.399 --> 01:31:38.199
Yeah? Go ahead, yep.
So when I was practicing, if we

1183
01:31:38.199 --> 01:31:43.760
we sent X amount of dollars for
certain service and the insurance we had a

1184
01:31:43.800 --> 01:31:47.720
contract with insurance companies that would only
pay let's say thirty percent of that.

1185
01:31:48.720 --> 01:31:53.880
But if we had a patient who
came in that was paying cash or not

1186
01:31:54.000 --> 01:31:58.479
using insurance, we could charge them
the higher amount because was that insurance fraud?

1187
01:31:59.119 --> 01:32:00.399
Well, no way to me.
You So you're saying you had two

1188
01:32:00.439 --> 01:32:03.439
prices you charged No, no,
no, we had one price. But

1189
01:32:04.159 --> 01:32:09.640
the insurance so let's say it was
ten thousand dollars for our delivery, were

1190
01:32:09.640 --> 01:32:14.840
submitted to the insurance company. They
said, well, I'm sorry you you

1191
01:32:14.920 --> 01:32:17.920
were only we're only going to give
you sixty percent of that. But then

1192
01:32:18.000 --> 01:32:21.159
a patient comes in who does have
insurance, and we say, okay,

1193
01:32:21.159 --> 01:32:25.920
our charge is one thousand, ten
thousand, and you have to pay the

1194
01:32:26.000 --> 01:32:28.720
ten grand. Was that insured for? If not? Of course not,

1195
01:32:28.840 --> 01:32:31.560
because you're not doing anything against the
insurance company, right, but that But

1196
01:32:31.640 --> 01:32:34.800
isn't that what the roof was doing. He's saying, we're charging you this

1197
01:32:34.960 --> 01:32:39.239
amount, will give you a discount. No the way, no, No.

1198
01:32:39.479 --> 01:32:44.680
To make it, here's the more
accurate analogy. If you charge ten

1199
01:32:44.720 --> 01:32:48.199
thousand for delivery to a consumer who
walks in the door, but when you

1200
01:32:48.319 --> 01:32:53.159
charge the insurance company, you charge
them sixteen thousand knowing you're gonna get paid

1201
01:32:53.239 --> 01:32:58.680
less. I think that could border
on insurance fraud because you're charging the insurance

1202
01:32:58.720 --> 01:33:00.399
company artificially more. I don't know, Brian, what do you think?

1203
01:33:00.600 --> 01:33:03.119
I see that though all the time, Tom, I think you and I

1204
01:33:03.159 --> 01:33:06.239
were having this conversation on when I
was in studio last time. I have

1205
01:33:06.439 --> 01:33:11.800
seen glass companies charge two different rates. If you're going to pay for it

1206
01:33:11.800 --> 01:33:15.279
yourself as a consumer, it's less
than if they're going to charge the insurance

1207
01:33:15.319 --> 01:33:21.840
company. Wow. But insurance companies
must know that then yeah. I mean,

1208
01:33:21.960 --> 01:33:25.840
if I know what I guarantee you
they do, well, I'll tell

1209
01:33:25.840 --> 01:33:29.279
you it can go both ways.
It can go like Doc said, where

1210
01:33:29.720 --> 01:33:33.720
they accept less from insurance because that's
the world and they get a lot of

1211
01:33:33.760 --> 01:33:40.319
business from insurance and they expect consumers
to pay full. But here's another thing,

1212
01:33:40.880 --> 01:33:45.720
insurance consumers. Sometimes medical providers,
if you pay up front, they'll

1213
01:33:45.720 --> 01:33:49.920
give you the same discounted price that
an insurance would reinburse. Absolutely, and

1214
01:33:49.960 --> 01:33:56.600
there's nothing wrong with that, right
Brian, Yeah, I agree. Yeah.

1215
01:33:56.680 --> 01:33:59.840
So if you know the insurance company
is going to screw the doctor out

1216
01:33:59.880 --> 01:34:04.039
of forty percent, I then offer
to pay the doctor sixty percent cash if

1217
01:34:04.079 --> 01:34:06.960
you want to. I mean,
that's if you didn't have insurance. I

1218
01:34:08.000 --> 01:34:11.800
mean there's have you I mean,
doc, have you ever done services discount

1219
01:34:11.800 --> 01:34:15.439
for cash? Oh? Yeah,
But again, the bill is what it

1220
01:34:15.479 --> 01:34:18.279
is. We don't have different rates
for insurance companies. No, I know

1221
01:34:18.359 --> 01:34:23.680
that. But there would be nothing
wrong if you on a ten thousand dollars

1222
01:34:23.720 --> 01:34:27.199
bill, if you only get paid
five grand, there would be nothing wrong

1223
01:34:27.239 --> 01:34:30.159
with discounting it five grand for a
cash customer. Absolutely not right, And

1224
01:34:30.239 --> 01:34:33.399
so Brian, thank you very much
again, three h three nine ninety six,

1225
01:34:33.479 --> 01:34:38.079
nine thousand. I'm gonna give another
scenario. And I said this before.

1226
01:34:39.840 --> 01:34:45.439
I went to a chiropractor and years
ago, not my great chiropractor right

1227
01:34:45.479 --> 01:34:53.159
now, years ago, and I
was I had insurance. I believe I

1228
01:34:53.199 --> 01:34:56.319
had insurance. Insurance. Oh no, no, no, no, no,

1229
01:34:56.359 --> 01:34:59.800
I know what it was. I
know what it was. I went

1230
01:35:00.359 --> 01:35:12.000
and submitted my insurance and my insurance
did not cover them. They charged me

1231
01:35:12.279 --> 01:35:19.720
a sixty dollars copay and my insurance
was supposed to pay another forty dollars for

1232
01:35:19.800 --> 01:35:25.760
a one hundred dollar fee my insurance. I went ten twelve to However,

1233
01:35:25.800 --> 01:35:32.039
many visits my insurance never paid.
I paid every time sixty dollars, so

1234
01:35:32.119 --> 01:35:40.800
my insurance they racked up a balance
of about one thousand dollars that my insurance

1235
01:35:40.840 --> 01:35:45.560
did not pay. Now, remember
I paid sixty dollars every time, So

1236
01:35:45.680 --> 01:35:49.560
they billed me and said, your
insurance did not pay this, you owe

1237
01:35:49.600 --> 01:35:55.920
it one thousand dollars because you agreed
to be responsible for the bill. And

1238
01:35:56.000 --> 01:36:02.279
I thought, you're right. Accept
I found out that most of the patients

1239
01:36:02.439 --> 01:36:06.960
in that place, who don't have
insurance were paying sixty dollars a visit.

1240
01:36:08.840 --> 01:36:12.159
And I said, wait a minute, let me get this straight. Me

1241
01:36:12.439 --> 01:36:16.159
and this patient over here both came
here ten times, let's say, and

1242
01:36:16.199 --> 01:36:21.840
I paid six hundred dollars and they
paid six hundred dollars. But because my

1243
01:36:23.039 --> 01:36:29.760
insurance did not pay their share for
my ten visits, you're charging me that

1244
01:36:29.880 --> 01:36:34.239
four hundred dollars directly, but they're
not paying anything extra. Do you see

1245
01:36:34.279 --> 01:36:39.680
the folly in that? Now?
If I could go in as a cash

1246
01:36:39.760 --> 01:36:46.199
customer and pay sixty dollars a visit, you're telling me, just because I

1247
01:36:46.279 --> 01:36:54.640
have insurance, I have to pay
what the insurance is not paying. Makes

1248
01:36:54.920 --> 01:37:00.840
absolutely no sense it does, and
what any I won't pay it. Whatever

1249
01:37:00.920 --> 01:37:06.800
reasonable doctor does is check with your
insurance before we do anything. I mean,

1250
01:37:06.880 --> 01:37:11.279
unless it's an emergency. But in
that case he was charging I was

1251
01:37:11.279 --> 01:37:14.640
paying the same price as someone with
no insurance, and he was hoping to

1252
01:37:14.640 --> 01:37:17.640
get gravy. He should have sold
you immediately and it wasn't covered, And

1253
01:37:17.720 --> 01:37:21.920
if it wasn't I would still be
charged to sixty bucks. Nothing would have

1254
01:37:23.000 --> 01:37:28.119
change the a fact that I had
insurance made me liable for what they didn't

1255
01:37:28.159 --> 01:37:38.199
pay. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

1256
01:37:38.239 --> 01:37:45.000
You don't pay a cent until you're
content. Time for an insurance check up

1257
01:37:45.079 --> 01:37:48.479
free, no obligation. In comparison, call Compass Insurance paying too much your

1258
01:37:48.520 --> 01:37:53.640
coverage at dozens of insurance companies find
out now three o three seven seven to

1259
01:37:53.680 --> 01:37:57.439
one help. You'll think you're his
only customer when you choose Frank durand the

1260
01:37:57.479 --> 01:38:01.000
real estate Man dot com to list
your home with Remax Alliance three oh three

1261
01:38:01.079 --> 01:38:12.359
nine two zero sixteen twenty two.
Hi Tom Martino, you're a troubleshooter.

1262
01:38:12.439 --> 01:38:15.640
Three oh three seven one three Talk
three oh three seven one, three,

1263
01:38:15.720 --> 01:38:20.239
eight, two, five five.
All right, guys, I have a

1264
01:38:20.279 --> 01:38:24.640
lot of questions that will come in
about cars I want to take, but

1265
01:38:25.000 --> 01:38:27.600
I will take phone a priority in
phone calls. But let me find it

1266
01:38:27.640 --> 01:38:30.840
here and we do. Where the
hell is it here? I just had

1267
01:38:30.880 --> 01:38:34.000
it. Anyway, I'll look for
it again. I don't seem to I

1268
01:38:34.000 --> 01:38:36.359
don't seem to have it right in
front of me. But anyway, there

1269
01:38:36.439 --> 01:38:41.279
are oh here it is. Okay, ready, this is a stupid one.

1270
01:38:41.319 --> 01:38:45.439
Is there a way I can sell
a car that I bought from an

1271
01:38:45.479 --> 01:38:51.199
auction and sell it to a dealership
without registering it in my name? Now?

1272
01:38:51.600 --> 01:38:55.680
No, I mean if if a
dealer would let you. That's called

1273
01:38:55.720 --> 01:39:00.039
skipping jumping title, jumping title or
skipping title, and technically it's illegal.

1274
01:39:00.640 --> 01:39:06.520
You're supposed to record every owner of
record and you're you're not allowed unless you're

1275
01:39:06.560 --> 01:39:11.520
a dealer, to skip title.
If you are a licensed dealer, you're

1276
01:39:11.520 --> 01:39:15.079
allowed to do that. You don't
take the title into your name. It's

1277
01:39:15.119 --> 01:39:16.039
suspect. I don't know how they
do it, but they don't. You

1278
01:39:16.079 --> 01:39:18.680
don't necessarily have to take it in. It's on the back of the top

1279
01:39:18.680 --> 01:39:23.680
of the assignments. You can put
down on the back. Okay, this

1280
01:39:23.720 --> 01:39:25.600
one is stupid. Well, no, I don't know about this one.

1281
01:39:25.600 --> 01:39:29.640
This one's not so such a stupid
question. Can I service my own car

1282
01:39:29.680 --> 01:39:34.159
and keep the warranty? Now,
Kevin, you I always I talk about

1283
01:39:34.199 --> 01:39:41.159
your commercials. Yep, and I
say you can do your own You can

1284
01:39:41.199 --> 01:39:44.520
service at your place and still keep
the warranty, right, yep. There's

1285
01:39:44.600 --> 01:39:47.800
no nothing that says in that warranty
they must bring it back to the proof

1286
01:39:47.920 --> 01:39:51.960
of the service. Makes it more
difficult if you're doing any driveway. The

1287
01:39:53.000 --> 01:39:56.720
fact that you have a receipt for
a case of oil and a filter doesn't

1288
01:39:56.800 --> 01:40:00.479
necessarily indicate that you actually change it. But what you can do is the

1289
01:40:00.680 --> 01:40:05.560
warranty work correct. You can do
the service correct, but not the warranty.

1290
01:40:05.600 --> 01:40:09.479
Now we have more of these questions. Plus I have Mitch Fleury.

1291
01:40:09.520 --> 01:40:13.720
I'm going to bring up after the
break because I don't believe this, although

1292
01:40:13.760 --> 01:40:17.039
I don't think he's lying about it
when he told me he's got some granite

1293
01:40:17.199 --> 01:40:23.159
and some remnants of other stuff free, just free, and you pay for

1294
01:40:23.239 --> 01:40:27.159
fabrication and installation. I want to
find out exactly how that works. So

1295
01:40:27.239 --> 01:40:29.840
a lot of people are thinking,
ah, while, yeah, he's just

1296
01:40:29.880 --> 01:40:33.279
going to charge more for that fabrication
and installation. Well we'll find out coming

1297
01:40:33.399 --> 01:40:44.640
up. Go with a sure thing
Denver's best roofer Excel Roofing dot com.

1298
01:40:44.680 --> 01:40:50.439
You don't pay a cent until you're
content. Time for an insurance check up

1299
01:40:50.520 --> 01:40:55.920
free, no obligation. In comparison, call Compass Insurance paying too much your

1300
01:40:55.960 --> 01:41:00.279
coverage at dozens of insurance companies find
out now three O three seven seven one

1301
01:41:00.359 --> 01:41:03.039
help. You'll think you're his only
customer when you choose Frank durand the real

1302
01:41:03.119 --> 01:41:08.720
estate Man dot com to list your
home with Remax Alliance three oh three nine

1303
01:41:08.720 --> 01:41:20.359
two zero sixteen twenty two. Hi
Tom Martino, you're a troubleshooter. Three

1304
01:41:20.439 --> 01:41:26.319
O three seven one three talks seven
one three eight two five five Listen.

1305
01:41:27.279 --> 01:41:30.319
I can't let the show go without
at least mentioning the Nuggets. Last night,

1306
01:41:31.079 --> 01:41:35.319
they didn't show up. I don't
know what the hell happened. I

1307
01:41:35.399 --> 01:41:41.640
mean serious, that was pathetic.
It was so pathetic, it was almost

1308
01:41:41.760 --> 01:41:45.720
unreal. It was almost like it
wasn't happening. They because normally those two

1309
01:41:45.720 --> 01:41:50.359
are really good competitors with each other, right, Yes, Oh my god,

1310
01:41:50.439 --> 01:41:53.760
as far as it is to beat
somebody four games in a row but

1311
01:41:53.880 --> 01:41:57.800
still to lose by forty. No, I mean the Nuggets came back.

1312
01:41:57.880 --> 01:42:00.479
It's amazing and now it's tied up, so it's going to be very exciting.

1313
01:42:01.079 --> 01:42:05.640
But I don't know enough about basketball
except what I like to see.

1314
01:42:05.960 --> 01:42:10.800
I like it because it's fast moving. I love basketball hockey because it's fast

1315
01:42:10.800 --> 01:42:13.479
moving hockey. I'd like to see
more scoring. But you know, what

1316
01:42:13.560 --> 01:42:16.479
the hell they although that Avalanche game
had a lot of scoring. Now,

1317
01:42:17.119 --> 01:42:21.319
my wife's a sports fan, I
don't know. She's crazy sports fan for

1318
01:42:21.319 --> 01:42:27.760
for Nuggets and for Avalanche. So
what what I don't understand though, is

1319
01:42:27.800 --> 01:42:32.520
what happened because it just it was
weird. There was something weird and yo

1320
01:42:32.640 --> 01:42:35.079
kicking. He just came round and
said, we got our asses kick.

1321
01:42:35.439 --> 01:42:39.279
Hey. I mean, there's no
excuses right now. They quit. They

1322
01:42:39.319 --> 01:42:42.640
did, but why it's hard to
put a finger on because it's a weird

1323
01:42:42.680 --> 01:42:45.880
team. Now, Mitch Florida is
one of the best people I know in

1324
01:42:45.920 --> 01:42:48.800
the art of Granted, Now,
Mitch, I want to know something you

1325
01:42:48.880 --> 01:42:57.039
are truly doing, truly doing free
remnants if they do the fabrication and installation,

1326
01:42:57.199 --> 01:43:00.760
right, yes, and we are. But look, there's a there's

1327
01:43:00.760 --> 01:43:02.279
a big game that I the Avalanche
split in nine game six, right,

1328
01:43:02.439 --> 01:43:06.439
Yes, they're gonna win that game
and we're gonna push it to game seven.

1329
01:43:08.119 --> 01:43:11.279
Magats didn't do well, but you
have all right, okay, from

1330
01:43:11.279 --> 01:43:15.479
your as they say, from your
lips to God's ears. Now, Mitch,

1331
01:43:15.920 --> 01:43:20.359
is there any hook on this?
Do you charge the same exact fabrication

1332
01:43:20.520 --> 01:43:25.800
and installation you would for anything,
even though they're getting the material free?

1333
01:43:27.000 --> 01:43:30.079
Yes, we have so many remnants. I mean we have a yard full,

1334
01:43:30.159 --> 01:43:33.479
and honestly we don't have room to
stack them anymore, and we want

1335
01:43:33.520 --> 01:43:38.159
to give them away. We'll charge
for fabrication. We'll come to your house.

1336
01:43:38.760 --> 01:43:42.439
There are all two existing countertops,
install these these free remnants, and

1337
01:43:42.560 --> 01:43:47.119
yeah, we'll charge you for the
for the labor. And uh we now

1338
01:43:47.399 --> 01:43:51.039
is it only are they only granite
remnants or do you have remnants of all

1339
01:43:51.119 --> 01:43:55.439
kinds? Oh? Yeah, there's
we have a lot of court and natural

1340
01:43:55.479 --> 01:44:00.560
court sits so many pieces and some
of them are very large partial clap housels

1341
01:44:00.680 --> 01:44:03.640
three quarters claus. Wow, we
just so they can do a pretty good

1342
01:44:03.720 --> 01:44:08.239
size. I want them to call
you for that. Three oh three three

1343
01:44:08.279 --> 01:44:15.640
eight six fifty nine nineteen free materials
people, Free the Artofgranite dot com.

1344
01:44:15.720 --> 01:44:19.479
That is great, and then you
just pay for the fabrication and installation an

1345
01:44:19.479 --> 01:44:23.840
honest, fair price you normally would
pay. We have more coming up.

1346
01:44:24.760 --> 01:44:29.039
Go with a sure thing Denver's Best
roofer Excel Roofing dot com. You don't

1347
01:44:29.039 --> 01:44:35.600
pay a cent until you're contenth time
for an insurance check up free no obligation

1348
01:44:35.720 --> 01:44:42.359
comparison call Compass Insurance paying too much
your coverage at dozens of insurance companies find

1349
01:44:42.359 --> 01:44:45.680
out now three oh three seven seven
to one help. You'll think you're his

1350
01:44:45.840 --> 01:44:48.800
only customer when you choose Frank durand
the real estate Man dot com to list

1351
01:44:48.840 --> 01:45:01.399
your home with Remax Alliance three oh
three nine two zero sixteen twenty two news.

1352
01:45:02.399 --> 01:45:08.760
You need advice who you don't have? Come? Run in just as

1353
01:45:08.800 --> 01:45:15.479
fast as we can. Shooter's gonna
help. Come, Ma Dix is the

1354
01:45:15.640 --> 01:45:20.840
Troubleshooter Show. No Tom Martino,
Hi, Tom Martino here, Welcome to

1355
01:45:20.880 --> 01:45:25.840
the show. Three oh three seven
to one three Talk three oh three seven

1356
01:45:25.920 --> 01:45:29.279
one three eight two five five.
Hey listen, do you want window washing

1357
01:45:29.319 --> 01:45:33.640
done. You want premiere premiere window
cleaning and pressure washing. And they're also

1358
01:45:33.680 --> 01:45:40.319
doing window tinting now and they're giving
special deals on the window window tinting their

1359
01:45:40.359 --> 01:45:44.159
new division. And these are a
bunch of young men I followed from high

1360
01:45:44.199 --> 01:45:47.520
school. These guys are great.
They do my home. We we clean

1361
01:45:47.600 --> 01:45:57.079
windows dot Co Commercial end Residential seven
to zero nine five three zero zero seven

1362
01:45:57.119 --> 01:46:03.239
eight. So we've been talking about
all kinds of things today and it's always

1363
01:46:03.319 --> 01:46:10.359
good to recap what we've learned.
I love talking about it because the show

1364
01:46:10.439 --> 01:46:14.560
not only helps people directly who call
in, but it also is a help

1365
01:46:14.640 --> 01:46:17.880
to people who listen. And the
one thing I hear about over and over

1366
01:46:17.920 --> 01:46:23.640
again, and people, please don't
do this so you get damage to your

1367
01:46:23.720 --> 01:46:31.039
roof. If you call a roofer, please don't use a roofer who says

1368
01:46:31.720 --> 01:46:39.279
I want to meet with your adjuster, not before they give you a full

1369
01:46:39.760 --> 01:46:46.119
and complete estimate along with an assessment
of damage, meaning do you need the

1370
01:46:46.159 --> 01:46:49.520
whole roof or part of it?
If you need the whole roof or part

1371
01:46:49.560 --> 01:46:54.199
of it, what are the materials, What are the material costs, What

1372
01:46:54.279 --> 01:46:59.159
are the labor costs? What are
all of the costs. Do not accept

1373
01:46:59.159 --> 01:47:05.520
the wording. We will do whatever
insurance wants. That is not to your

1374
01:47:05.680 --> 01:47:12.239
benefit. It is not to your
benefit. God, how many times do

1375
01:47:12.359 --> 01:47:15.880
I have to say it? Now? The other thing I want to say

1376
01:47:16.520 --> 01:47:23.920
is, when you do get a
bid, don't accept it. Don't accept

1377
01:47:23.960 --> 01:47:30.600
it unless it has all of those
elements, and don't accept one with a

1378
01:47:30.640 --> 01:47:34.279
penalty clause. Now, whether you
like it or not, don't do it.

1379
01:47:35.560 --> 01:47:40.359
All right, enough set on that. I think that's logical. Now

1380
01:47:40.439 --> 01:47:45.000
let's go back to our car questions
for our experts three three seven to one

1381
01:47:45.119 --> 01:47:46.920
three talk. If you guys have
any problems questions, please give us a

1382
01:47:46.920 --> 01:47:51.000
call. Okay, So we talk
about can I service my own car and

1383
01:47:51.079 --> 01:47:54.159
keep the warranty? The answer is
yes, or you can take it to

1384
01:47:54.159 --> 01:47:58.319
share in an autoitech. And here's
the deal. You can't do the warranty

1385
01:47:58.319 --> 01:48:00.920
work, but you can do the
service. And as can't said, it's

1386
01:48:00.000 --> 01:48:03.000
proving a service that's most important.
We had a guy that did his own

1387
01:48:03.039 --> 01:48:08.000
oil changes, but he had no
evidence of it and his warranty was turned

1388
01:48:08.000 --> 01:48:10.119
down. Kevin, Yeah, it
happens all the time. You know.

1389
01:48:10.159 --> 01:48:13.640
We get The first thing they ask
us is proof of oil tainous. Next

1390
01:48:13.720 --> 01:48:18.239
question I have on my list here
is is there a term for when a

1391
01:48:18.319 --> 01:48:23.520
vehicle is sold for less than its
actual value? That's a weird question.

1392
01:48:23.600 --> 01:48:26.640
These are honestly not real questions.
Can't make them up. Yeah, there's

1393
01:48:26.640 --> 01:48:30.920
a term that's a deal, I
mean a deal, right, Or it's

1394
01:48:30.920 --> 01:48:35.000
been in an accident or something?
Right? I mean really you do?

1395
01:48:35.159 --> 01:48:39.600
You do have to be careful,
right because it could now obviously it could

1396
01:48:39.640 --> 01:48:45.239
be a scam. It could be
now. The other one, what should

1397
01:48:45.279 --> 01:48:48.800
be done after you just buy a
used car? The question should be what

1398
01:48:48.920 --> 01:48:53.880
should do beforefore? I buy it? Before you buy it, get it

1399
01:48:53.960 --> 01:48:58.760
checked out. But here is a
good question after you buy it. I

1400
01:48:58.880 --> 01:49:01.920
like the expression from the aircraft World
zero time. It explain what that means?

1401
01:49:02.039 --> 01:49:04.840
Go through it, change out all
the fluids so you know what zero

1402
01:49:05.000 --> 01:49:09.439
is. Yes, all your maintenance
items, so you start that board.

1403
01:49:09.680 --> 01:49:14.439
You keep your own spreadsheet exactly.
That's really really the most important thing,

1404
01:49:14.560 --> 01:49:18.560
right, all right? Got another
one? What is a good I'm reading

1405
01:49:18.640 --> 01:49:21.479
these cold? I shouldn't because some
of them could be really stupid. What

1406
01:49:21.640 --> 01:49:27.920
is a good option for me?
I love that I can ignore an outlook

1407
01:49:27.960 --> 01:49:30.960
calendar wait, an outlook. This
is not a car thing an out our

1408
01:49:31.079 --> 01:49:36.640
calendar reminder for weeks and still see
it. But I'm aiming to aband an

1409
01:49:36.640 --> 01:49:42.199
outlook. Oh okay, let me
tell Google. Google Calendar is the best.

1410
01:49:42.319 --> 01:49:45.880
I mean, I use Google for
everything, Google Docs, Google Calendar,

1411
01:49:45.439 --> 01:49:48.680
Uh, just Google Gmail, all
of that. By the way,

1412
01:49:48.720 --> 01:49:51.600
that that's not car Let me let
me try to find the cars. How

1413
01:49:51.640 --> 01:49:55.479
do I create Why are people asking
me about calendar? Has got another one?

1414
01:49:55.520 --> 01:49:59.720
How do I create something like a
life calendar in my computer that works?

1415
01:50:00.399 --> 01:50:03.039
Like? Okay, I think he
means, and I do this too.

1416
01:50:03.640 --> 01:50:09.159
In Google Calendar, you can create
You can create custom calendars. In

1417
01:50:09.199 --> 01:50:12.239
other words, you can have one
I have one just for the kids,

1418
01:50:12.960 --> 01:50:15.960
just for kids, stuff like graduations
or stuff, you know what I'm saying,

1419
01:50:16.239 --> 01:50:19.880
just for kids. You can have
one just for health, where it

1420
01:50:19.920 --> 01:50:27.960
has supplements, medications, doctor's visits. It doesn't have to be integrated into

1421
01:50:28.000 --> 01:50:31.520
your regular calendar. Now here's the
great part. If you have Google,

1422
01:50:32.079 --> 01:50:35.119
and I don't know who else does
is but with Google, you can have

1423
01:50:35.199 --> 01:50:42.640
let's say, a custom health calendar, a kid calendar, and a regular

1424
01:50:42.720 --> 01:50:48.000
business work calendar. Right then you
can go in and simply decide which ones

1425
01:50:48.039 --> 01:50:53.680
you want to show up when you
glance at the main calendar, so you

1426
01:50:53.680 --> 01:50:56.239
can have one or all of them
show up. And if you have all

1427
01:50:56.279 --> 01:50:58.720
of them show up, you can
x out a couple if you want to

1428
01:50:58.760 --> 01:51:02.239
isolate. So, really and truly
it's a great option. It really is.

1429
01:51:04.359 --> 01:51:08.800
Now I want I'm looking for the
car ones. I'm building a house.

1430
01:51:08.920 --> 01:51:15.119
Let's see retirement. My god.
Okay, you're given a brand new

1431
01:51:15.159 --> 01:51:18.640
car, but has to start with
the first Oh, this is a fun

1432
01:51:18.680 --> 01:51:24.319
one. You're given a brand new
car, but it has to start with

1433
01:51:24.359 --> 01:51:29.159
the first letter of your first name. Oh, my, guess what I

1434
01:51:29.199 --> 01:51:34.279
would get? Guys for Tom Tesla, I mean, what up? Okay,

1435
01:51:34.479 --> 01:51:38.720
so Jeff Ja, what would you
Jaguar? Now? What would you

1436
01:51:38.760 --> 01:51:43.199
get? Jaguar? That kind of
limits me. I think the only thing

1437
01:51:43.239 --> 01:51:45.479
I can think of the starts with
a Jay is a juke? Juke?

1438
01:51:45.840 --> 01:51:49.479
You know what, mind take a
jag take it? What else? J

1439
01:51:49.720 --> 01:51:58.319
j Okay? Deputy doc is ken
k oh the same as mine? I'm

1440
01:51:58.319 --> 01:52:00.800
trying to get k Kevin. And
what kind of car would you get?

1441
01:52:01.479 --> 01:52:05.520
Dragon? D Kia? Dodge is
pretty simple? Dodge, Yeah, wouldn't

1442
01:52:05.560 --> 01:52:10.319
you get the model T. I
mean that's more about your speed. What

1443
01:52:10.359 --> 01:52:15.880
would you get? What's a k
Kia's are nice cars? Okay, Kelly

1444
01:52:15.880 --> 01:52:18.920
would be a Kia? Right Mark? What would Major Mark? Major B,

1445
01:52:19.239 --> 01:52:30.159
M, Maserati, Mercedes right A
sus S she gets suber SOB,

1446
01:52:30.520 --> 01:52:36.239
SOB Super not a SOB stories for
a reason. And and if your Robert

1447
01:52:36.359 --> 01:52:44.199
do not get a range Rover?
Rolls? Yeah, rolls. And then

1448
01:52:44.520 --> 01:52:51.560
what about Frank? We all know
what Frank would get Ferrari Baby, although

1449
01:52:51.600 --> 01:52:56.760
that's probably the worst car you could
have in real life. Three oh three

1450
01:52:56.800 --> 01:53:00.800
seven one three talks seven one three
eight two five five. Hey Joe Kano,

1451
01:53:00.159 --> 01:53:03.119
what car would you get with a
j Let's see, Joe, what

1452
01:53:03.199 --> 01:53:09.319
would you get? A Jaguar?
Okay, there you go, and Jordan

1453
01:53:09.399 --> 01:53:15.239
would get the same. So anyway, you're up for your spot. You're

1454
01:53:15.560 --> 01:53:19.319
but I do have a finance question
for you before your spot. Okay,

1455
01:53:20.199 --> 01:53:25.720
a certified financial planner. Someone wants
to know when I use that term,

1456
01:53:26.199 --> 01:53:31.600
what do you have to go through
to become a CFP? Would Tom you

1457
01:53:31.600 --> 01:53:36.720
have to go through a lot of
pretty much extensive training, Yeah, from

1458
01:53:36.760 --> 01:53:42.359
the but is it finra who gives
you the designation. Does FINRA give you

1459
01:53:42.399 --> 01:53:45.000
that? Or who gives you that? No? No, that's sort of

1460
01:53:45.039 --> 01:53:48.079
a financial planning board out of Washington, d C. But it's a real

1461
01:53:48.199 --> 01:53:51.399
it's a real designation, by the
way I want people to know. It

1462
01:53:51.479 --> 01:53:57.920
is definitely And if you want to
do on top of that, then for

1463
01:53:58.079 --> 01:54:01.920
the annuities, you have to have
an insurance designation, right, that is

1464
01:54:02.039 --> 01:54:08.880
right. And you have to have
additional training for insurance mandated by the state

1465
01:54:08.880 --> 01:54:12.279
of Colorado. Okay, and you
have to get you actually have to get

1466
01:54:12.279 --> 01:54:15.039
a license for that, right,
Joe, That is right? Okay,

1467
01:54:15.159 --> 01:54:17.399
Tom, Just one more point,
you know, to become a CFP,

1468
01:54:18.199 --> 01:54:26.720
besides the training, we have to
sit an eight hour exam eight hours eight

1469
01:54:26.760 --> 01:54:31.439
hours really, I mean it's a
tremendous exam and rivals, I say,

1470
01:54:31.479 --> 01:54:34.920
the bar examination for a lawyer.
You know, it's because you go through

1471
01:54:34.960 --> 01:54:41.199
every single phase. Now, are
you allowed then to do investment advisory work

1472
01:54:41.439 --> 01:54:45.439
as a CFP or is that a
separate license as well? So you have

1473
01:54:45.479 --> 01:54:48.600
to have a separate license for that. But as a CFP, you're automatically

1474
01:54:48.680 --> 01:54:53.720
a fiduciary, right, automatically right, And you can do a little bit

1475
01:54:53.760 --> 01:54:57.399
of everything now here, okay,
and then the license and what is it

1476
01:54:57.439 --> 01:55:02.800
that you teach? I teach.
You know. My other company is egal

1477
01:55:02.920 --> 01:55:10.079
Education, and we teach continuing education
for people to have a license to sell

1478
01:55:10.159 --> 01:55:15.079
insurance, whether it's life or health
annuities or property casualty. And we teach

1479
01:55:15.079 --> 01:55:19.880
about one hundred and fifty seven courses
per year. Now, I want to

1480
01:55:19.920 --> 01:55:25.199
I want to mention something on the
fixed annuity. On the fixed annuity,

1481
01:55:25.319 --> 01:55:31.359
it's not considered a security because of
its stability, right it is. That's

1482
01:55:31.439 --> 01:55:35.479
right. It's fixed, it's exempt, it's exempt from it's not a security.

1483
01:55:35.800 --> 01:55:41.079
Now, it's security a variable annuity
which you won't mess with, and

1484
01:55:41.119 --> 01:55:45.279
I don't think people should. That's
considered a security because of the risk.

1485
01:55:45.479 --> 01:55:48.800
Right, that is right. It
has mutual funds, okay, and it's

1486
01:55:48.840 --> 01:55:57.079
a variable annuity. Just out of
curiosity. Do the variable annuities they go

1487
01:55:57.319 --> 01:56:00.520
really according to the stock market,
right, that is right. And the

1488
01:56:00.600 --> 01:56:05.960
fix the mind and the fixed one
does not well, another fixed one does

1489
01:56:06.039 --> 01:56:09.720
not. All right, we're going
to talk about that. Then we'll talk

1490
01:56:09.720 --> 01:56:13.000
about that in your break. But
I wanted to ask that because somebody asks

1491
01:56:13.000 --> 01:56:17.680
about CFP and then Andre has a
quick question. Here, Andre, what's

1492
01:56:17.680 --> 01:56:20.479
going on with you? What?
What's going on with AutoNation? Andre?

1493
01:56:21.800 --> 01:56:25.439
Okay, so this is kind of
a long story, Tom, how much

1494
01:56:25.479 --> 01:56:27.159
time do you have? Well,
I'll tell you what. Let me give

1495
01:56:27.199 --> 01:56:29.199
you more time. Hold on and
I'll come right back to you. All

1496
01:56:29.239 --> 01:56:35.319
right, Then I'll give you more
time. Go with a sure thing Denver's

1497
01:56:35.319 --> 01:56:40.680
best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

1498
01:56:44.039 --> 01:56:46.239
Time for an insurance check up free, no obligation. In comparison,

1499
01:56:46.359 --> 01:56:51.479
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

1500
01:56:51.479 --> 01:56:55.600
now three O three seven to seven
to one help. You'll think you're his

1501
01:56:55.760 --> 01:56:59.680
only customer when you choose Frank durand
the real estate Man dot com to list

1502
01:56:59.720 --> 01:57:10.760
your home with Remax Alliance three oh
three nine two zero sixteen twenty two.

1503
01:57:12.920 --> 01:57:15.800
Hi Tom Martino here three on three
seven one three talks seven one three eight

1504
01:57:15.800 --> 01:57:20.319
two five have Okay, So Andre, it's your show. What happened at

1505
01:57:20.319 --> 01:57:26.560
AutoNation? Okay? Tom? So
what happened is this is the first one

1506
01:57:26.600 --> 01:57:30.560
I ever financed. The vehicles I
had a couple of trucks I'd liked,

1507
01:57:30.600 --> 01:57:33.680
but this was AutoNation. You have
the two hundred point inspection? Is it

1508
01:57:33.760 --> 01:57:38.479
newer used? Start out there?
A newer used. It's a it's a

1509
01:57:38.600 --> 01:57:43.279
U shruck. It's a two thousand
and seven gmc Tierra twenty five hundred EIGHTHD.

1510
01:57:44.159 --> 01:57:46.079
It is a turbodiesel, and it
only had one hundred and four thousand

1511
01:57:46.079 --> 01:57:49.720
miles. And if you know anything
about diesels, that's a barely broken motor.

1512
01:57:50.600 --> 01:57:57.399
So two thousand and seven gmc Sierra
turbodiesel with one hundred and how many

1513
01:57:57.399 --> 01:58:00.359
miles? Did you say? One
hundred and four thousand? Got it keep

1514
01:58:00.359 --> 01:58:06.399
going? All right? So while
I was in there or sorry, when

1515
01:58:06.439 --> 01:58:09.920
we took it on a test drive, the guy refused to let me take

1516
01:58:09.960 --> 01:58:12.439
it on the highway, which should
have been my first sign to run for

1517
01:58:12.479 --> 01:58:15.399
the heel. But he told me, well, also, what would have

1518
01:58:15.439 --> 01:58:19.960
prevented you from getting a checked out? Uh? Well, like I said,

1519
01:58:19.960 --> 01:58:23.640
this is my first time buying this. I did not know I had

1520
01:58:23.640 --> 01:58:27.119
the option to do that. Okay, if that's fair, go ahead,

1521
01:58:28.239 --> 01:58:30.399
you know, and it's autnation.
I didn't think I had to do that,

1522
01:58:30.479 --> 01:58:34.399
honestly, but that's especially why you
have to do it. Because they're

1523
01:58:34.399 --> 01:58:38.760
dealers. I'm not saying they're bad. I'm just saying they're dealers. They're

1524
01:58:38.800 --> 01:58:42.960
they're they're they're they want to sell. So go ahead, Yeah, you

1525
01:58:43.039 --> 01:58:45.520
live and you'll learn, you know. The gentleman, the salesman would not

1526
01:58:45.600 --> 01:58:48.159
let me take it on the highway. Promise me it's a quality vehicle.

1527
01:58:48.159 --> 01:58:53.159
It's come from Audernation to a hundred
points specs. It just needs an alignment,

1528
01:58:53.600 --> 01:58:59.319
no problems. We get back to
the dealership, I start doing calls

1529
01:58:59.359 --> 01:59:03.479
to try to find car insurance.
The salesman, UH tried pretty much forced

1530
01:59:03.479 --> 01:59:06.760
me to sign the paper No one
forced no, no, sorry, we

1531
01:59:06.800 --> 01:59:10.399
don't we don't go with the forced
word unless there was a gun or a

1532
01:59:10.479 --> 01:59:14.359
knife involved. Okay, so he
was. He was pretty pushy, just

1533
01:59:14.359 --> 01:59:16.920
just kind of wouldn't take no over. And what did you sign? Uh?

1534
01:59:17.119 --> 01:59:21.920
I signed the paperwork for the truck. I also signed on. Oh

1535
01:59:21.960 --> 01:59:26.319
wait, so what you're saying is
you bought it? Yes? I bought

1536
01:59:26.319 --> 01:59:30.079
this, Okay, got it all
right? There was no forcing you.

1537
01:59:30.079 --> 01:59:32.720
You you bought the you bought the
truck? Correct? Correct? Right?

1538
01:59:32.720 --> 01:59:36.920
Now? What I know you felt
pressured I get that part. No,

1539
01:59:36.920 --> 01:59:40.880
no, I I do get it, and I do agree with you that

1540
01:59:40.960 --> 01:59:45.399
it's really hard. So what happened
then? All right? So I was

1541
01:59:45.439 --> 01:59:47.960
told there was a warranty getting thrown
in with it, which turns out if

1542
01:59:47.960 --> 01:59:50.520
I would have been able to read
the paperwork while I was signing it,

1543
01:59:50.560 --> 01:59:56.279
I was actually paying for the warranty
how much? Which is how much?

1544
01:59:56.479 --> 02:00:01.880
Four thous So you didn't let me
get this now, so you come back

1545
02:00:01.920 --> 02:00:05.079
to the test drive where you wouldn't
let you drive in the highway, and

1546
02:00:05.159 --> 02:00:12.520
you signed a contract and did not
read it correct. I trusted him to

1547
02:00:12.640 --> 02:00:15.199
explain to me as I was on
the phone with the car insurance agent on

1548
02:00:15.359 --> 02:00:17.960
the contract what else was on there? You didn't like? There was a

1549
02:00:18.000 --> 02:00:24.520
warranty for four thousand. That was
That was pretty much it that I that

1550
02:00:24.600 --> 02:00:28.600
I didn't like about the paperwork,
you know. Besides, they did lie

1551
02:00:28.640 --> 02:00:30.680
about in the front end and in
the inspection. It needed more than an

1552
02:00:30.680 --> 02:00:34.760
alignment, and you would have known
that had you dine your own inspection.

1553
02:00:34.880 --> 02:00:41.840
But got it. Okay, So
what happened then? Okay? So I

1554
02:00:41.880 --> 02:00:45.359
signed the vehicle, took it home. I have my work truck, so

1555
02:00:45.640 --> 02:00:47.800
I take that home, so I
don't really drive, you know, my

1556
02:00:47.880 --> 02:00:51.560
personal vehicle. So one of the
first times I drove it, maybe a

1557
02:00:51.560 --> 02:00:57.399
week later, there was an issue
with the SISAJ justing and I also put

1558
02:00:57.399 --> 02:01:02.800
some upgraded tires on it, and
they were rubbing horribly on the asphalt and

1559
02:01:02.840 --> 02:01:05.479
it was really hard to control.
So I tried to get a hold of

1560
02:01:05.479 --> 02:01:13.079
the dealership to inform them of the
issues with it, because well, why

1561
02:01:12.560 --> 02:01:15.479
why would you bought it as is? Now? Why would you call the

1562
02:01:15.520 --> 02:01:17.720
dealer? You never had it checked
out and you took it home as is?

1563
02:01:17.760 --> 02:01:21.319
So I'm curious what you and I'm
not trying to give you our time,

1564
02:01:21.359 --> 02:01:24.800
And Andre, I want to know
what did you want them to do?

1565
02:01:26.000 --> 02:01:28.600
No? No, I'm totally accountable, Tom, you know, no,

1566
02:01:28.600 --> 02:01:30.399
No, what did you want?
I'm asking a question again, I'm

1567
02:01:30.399 --> 02:01:35.079
not challenging you. What did you
want them to do? I just wanted

1568
02:01:35.079 --> 02:01:38.760
them to give me the vehicle I
was promised. I had no problem paying

1569
02:01:38.760 --> 02:01:42.520
one hundred and sixty dollars for an
alignment. But according to the tire shop

1570
02:01:42.600 --> 02:01:45.479
there, what does that mean?
What does that mean? You wanted the

1571
02:01:45.520 --> 02:01:48.680
vehicle they promised? So you wanted
to fix the minor issues. Yes,

1572
02:01:48.880 --> 02:01:54.319
I was promised a quality vehicle.
They knew. Okay, show me on

1573
02:01:54.399 --> 02:02:00.560
the contract where it says this is
a quality vehicle. I believe it's in

1574
02:02:00.600 --> 02:02:02.920
the expression. I had to really
honest with you. No, it's really

1575
02:02:02.960 --> 02:02:06.079
not. It's really not. Andre
Now I'm just playing with you. There's

1576
02:02:06.119 --> 02:02:10.880
nothing on there that guarantees anything.
But let's get to the serious part.

1577
02:02:10.920 --> 02:02:13.359
Okay, I want to know something. No, seriously, hold on now,

1578
02:02:13.439 --> 02:02:16.359
I mean this sincerely. Are there
any things that the warranty will cover?

1579
02:02:18.039 --> 02:02:23.159
So here's the issue with a warranty. Auto Nation did not and when

1580
02:02:23.159 --> 02:02:26.600
they wrote up the warranty for it, they did not inform them that as

1581
02:02:26.640 --> 02:02:30.479
the turbodiesel and they did not inform
them that it's a lifted vehicle as well.

1582
02:02:30.479 --> 02:02:34.239
It has a six inch listed on
it. So the warranty. Hold

1583
02:02:34.279 --> 02:02:40.279
on, So the warranty is null
and void. I'm finding out right now.

1584
02:02:40.359 --> 02:02:42.800
It's actually well, it's good.
If it is, you should get

1585
02:02:42.840 --> 02:02:45.479
your money back for it, because
it's not going to be worth the paper

1586
02:02:45.520 --> 02:02:47.920
it's written on anyway. So that'll
be for that'll be how much in your

1587
02:02:47.920 --> 02:02:53.760
pocket? How much for what?
Almost five grand. Yes, okay,

1588
02:02:53.840 --> 02:02:57.520
so that that would be better for
you if you get your five grand back.

1589
02:02:57.560 --> 02:03:00.680
You don't want that to be you
don't want the warrant. In fact,

1590
02:03:00.960 --> 02:03:02.880
you can insist on getting your money
back. They can't make you keep

1591
02:03:02.920 --> 02:03:06.359
it. Awesome, that's good to
know. That's good. I would wait

1592
02:03:06.399 --> 02:03:09.920
to make them say that they weren't
going to cover it first anyway, so

1593
02:03:09.960 --> 02:03:12.680
they don't take any money back out
of that, so we get the full

1594
02:03:12.720 --> 02:03:15.319
reef. It's been like, it's
been like, how long when did you

1595
02:03:15.319 --> 02:03:19.039
buy this? I bought this July
third, twenty twenty three. Oh god

1596
02:03:19.239 --> 02:03:24.479
almighty, oh my god. Why
why are you call me a year later?

1597
02:03:24.640 --> 02:03:27.880
Man? Okay, So wait a
minute. So, so you had

1598
02:03:27.920 --> 02:03:31.520
this warranty on there since then and
you're just now finding out if it's going

1599
02:03:31.640 --> 02:03:35.640
to cover anything. Well, here's
what happened, Andre. How old are

1600
02:03:35.640 --> 02:03:39.720
you? How old are you?
I am thirty six years old? Thirty

1601
02:03:39.880 --> 02:03:44.359
bro? Come on, okay,
hold on, didn't everybody ever learn you

1602
02:03:44.479 --> 02:03:47.520
anything? Hold on? I want
to ask you this out now, yes,

1603
02:03:48.359 --> 02:03:53.520
right now, Why are you calling
now? What happened since July?

1604
02:03:53.840 --> 02:03:58.319
Why are you calling now? Okay? So I got hold of the general

1605
02:03:58.359 --> 02:04:01.760
manager at Automation. He took a
copy of the bill for the steering parts,

1606
02:04:01.960 --> 02:04:04.840
promised to go ahead and pay for
that, and then he was going

1607
02:04:04.920 --> 02:04:10.600
to send it to their A Nation
Chevy. Nor is the warranty knowing void?

1608
02:04:10.720 --> 02:04:15.439
Or is the warranty and what is
the warranty paying for the warranty?

1609
02:04:15.560 --> 02:04:18.119
Okay, the warranty came on down
the road. That's just recently. They're

1610
02:04:18.119 --> 02:04:21.840
supposed to take care of the transmission. But when I first got the truck,

1611
02:04:21.840 --> 02:04:25.279
I had an issue with the steering
And I just want to ask you,

1612
02:04:25.359 --> 02:04:31.199
Andre, has the warranty taken care
of anything? I will find out

1613
02:04:31.319 --> 02:04:36.600
Monday or Tuesday. And what will
you find out Monday or Tuesday if they

1614
02:04:36.640 --> 02:04:41.439
will cover the new transmission that that
truck needs. And how much is that?

1615
02:04:43.039 --> 02:04:45.640
I have no idea. They did
not give me a price on it.

1616
02:04:45.680 --> 02:04:48.159
They just told me that they're waiting
for the warranty company to send their

1617
02:04:48.199 --> 02:04:53.800
inspectors. Okay. Now, in
addition to that, what else have you

1618
02:04:53.920 --> 02:05:00.319
spent on this truck as far as
things wrong with it? So far?

1619
02:05:00.359 --> 02:05:03.399
I've spent two thousand and seven hundred
or sorry, three thousand, seven hundred

1620
02:05:03.399 --> 02:05:09.079
and seventy dollars replacing all this steering
on it. So that's the only thing

1621
02:05:09.199 --> 02:05:14.119
so far so far. Yes,
I've been addressing one for allmnut of time

1622
02:05:14.159 --> 02:05:17.479
with this shruck. Okay, so
you've spent three thousand, seven hundred,

1623
02:05:18.439 --> 02:05:26.000
yes, okay. Now the transmission
is going to cost what Jeff, Oh,

1624
02:05:26.119 --> 02:05:29.359
the transmission on public costom were run
eight and eight or nine thousand dollars.

1625
02:05:29.439 --> 02:05:31.760
Okay, So let's hope the warranty
covers that. It's too late to

1626
02:05:31.800 --> 02:05:35.479
get a return of your warranty.
It's too late to do much of anything

1627
02:05:35.560 --> 02:05:40.000
right now. You just screwed yourself. Let's just make the best of it.

1628
02:05:40.239 --> 02:05:42.720
I'm serious when I say this.
Let's make the best of it.

1629
02:05:43.159 --> 02:05:48.439
Let's try to. I don't know
of that thirty seven hundred. Why didn't

1630
02:05:48.479 --> 02:05:54.560
they cover any of that? So
they promised me that they were going to

1631
02:05:54.600 --> 02:05:58.199
pay for it. It was just
gonna take some time, So I gave

1632
02:05:58.239 --> 02:06:01.239
it some time. And in the
meantime they it at their Chevy dealer where

1633
02:06:01.279 --> 02:06:04.479
it was supused to get the electrical
issues taken care of. And I was

1634
02:06:04.520 --> 02:06:10.279
waiting for a part that was on
back order for about six months, and

1635
02:06:10.399 --> 02:06:13.079
the guy that I was dealing with
that was telling me he was going to

1636
02:06:13.119 --> 02:06:15.439
take care of thing less and he
left no notes in the computer. So

1637
02:06:15.479 --> 02:06:18.760
the only thing that al Nash is
willing to do is take care of the

1638
02:06:18.840 --> 02:06:24.600
driver's seat control module. And they
do not remember ever promising me to pay

1639
02:06:24.640 --> 02:06:28.560
for the steering. Well, guess
what, you don't have a contract for

1640
02:06:28.640 --> 02:06:30.840
that. You bought it as is, Andre, this is going to be

1641
02:06:30.880 --> 02:06:34.880
the smartest thing that ever happened to
you, because it's going to be a

1642
02:06:34.880 --> 02:06:40.079
college education for you. And all
you had to pay for it was at

1643
02:06:40.159 --> 02:06:45.520
worst, at worst the thirty seven
hundred plus maybe another ten grand thirteen let's

1644
02:06:45.520 --> 02:06:51.119
say on the outside with everything fifteen
thousand dollars for problems? How much did

1645
02:06:51.119 --> 02:06:56.880
you pay for the truck after everything
the finance on it with no Now,

1646
02:06:56.920 --> 02:07:00.239
I'm not go with a sure thing
Denver's Best Roofer well roofing dot com.

1647
02:07:00.279 --> 02:07:08.039
You don't pay a cent until you're
content. Time for an insurance check up

1648
02:07:08.159 --> 02:07:12.560
free, no obligation. In comparison, call Compass insurance paying too much your

1649
02:07:12.560 --> 02:07:15.680
coverage at dozens of insurance companies find
out now three oh three seven seven to

1650
02:07:15.720 --> 02:07:19.439
one. Help you'll think you're his
only customer. When you choose Frank durand

1651
02:07:19.439 --> 02:07:24.880
the real estate man dot Com to
list your home with Remax Alliance three oh

1652
02:07:24.880 --> 02:07:36.520
three nine two zero sixteen twenty two. M Hi, Tom Martino here three

1653
02:07:36.600 --> 02:07:41.640
oh three seven one three talk three
or three seven one three two five five

1654
02:07:41.680 --> 02:07:44.880
Steve? Do you want to give
away tickets? It might be too late.

1655
02:07:44.920 --> 02:07:46.880
I'm sorry, man, I don't
know. We can get We can

1656
02:07:46.920 --> 02:07:50.119
try. Do you want to do
that? Here? Tom? How do

1657
02:07:50.199 --> 02:07:53.159
we do it? I could do
that, Tom, if you have FI.

1658
02:07:53.760 --> 02:07:57.880
Yeah, how do we do it? As you as you know?

1659
02:07:58.680 --> 02:08:01.199
Uh? You know? The Tree
Farm is one of my clients, and

1660
02:08:01.239 --> 02:08:05.960
I wrote their jingle and most people
have heard the jingle. How about if

1661
02:08:05.000 --> 02:08:11.800
we the first Now, the first
five callers that sing the jingle all the

1662
02:08:11.800 --> 02:08:15.239
way through get tickets. All they
gotta do is call my cell phone.

1663
02:08:15.960 --> 02:08:18.079
After they call you, I will
be loading the truck here where I won't

1664
02:08:18.119 --> 02:08:20.720
be able to get well hold on. So you want them to call,

1665
02:08:22.479 --> 02:08:24.159
Let's try to get a few of
them to call the show. They get

1666
02:08:24.279 --> 02:08:31.840
VIP tickets to this event tomorrow night, Well, they can contact me and

1667
02:08:31.880 --> 02:08:35.039
I will hook them up. Now, here's the thing is that I'm also

1668
02:08:35.079 --> 02:08:43.319
going to give away some VIP famous
Staves catering tickets for June fifteenth, the

1669
02:08:43.399 --> 02:08:48.720
Father's Day weekends Saturday. How many
and all We'll let them choose. How

1670
02:08:48.760 --> 02:08:54.479
many and all do we have to
give away? Five? Give away five

1671
02:08:54.720 --> 02:09:00.359
regular tickets that are good for this
season, the twenty twenty four season at

1672
02:09:00.359 --> 02:09:05.000
the NASCAR track, Colorado National Speedway, and they can go to Colorado Speedway

1673
02:09:05.039 --> 02:09:09.279
dot com. I have an idea. I have an idea. I have

1674
02:09:09.319 --> 02:09:13.399
an idea. Because of our crunch
on time, I want to give away

1675
02:09:13.439 --> 02:09:18.880
tickets to the Father's Day thing and
to the season. I want to do

1676
02:09:18.920 --> 02:09:22.520
that on Monday or Tuesday next week
sometime and promoter all week. But for

1677
02:09:22.680 --> 02:09:30.159
today, do you have any you
can give away for tomorrow? If you

1678
02:09:30.199 --> 02:09:33.680
don't, that's fine, Yes I
can't. Yes, I can do that.

1679
02:09:33.720 --> 02:09:39.119
I'll give away file find them for
tomorrow's race. If they sing,

1680
02:09:39.520 --> 02:09:41.880
okay, let's do that. Let's
try to get them on right now.

1681
02:09:41.960 --> 02:09:46.840
If I can get or actually,
whoever calls in first and sings the jingle

1682
02:09:48.199 --> 02:09:52.039
is, we will give you.
I'll give you Steve's contact and you get

1683
02:09:52.039 --> 02:09:54.039
a free ticket. So I'm not
going to give your number on the air

1684
02:09:54.119 --> 02:09:58.159
right now, because I want to
give only the winners your number. So

1685
02:09:58.319 --> 02:10:05.680
hold on and then Steve we will
have them sing the uh the tree farm

1686
02:10:05.800 --> 02:10:09.159
jingle. Okay, so hang on
call right now, folks. You get

1687
02:10:09.199 --> 02:10:13.000
free tickets for tomorrow night's event.
And it's a great event tomorrow night,

1688
02:10:13.439 --> 02:10:16.239
and and Steve can explain it when
we come back. Three oh three seven

1689
02:10:16.319 --> 02:10:20.359
one three talk seven one three eight
two five five. Go with a sure

1690
02:10:20.479 --> 02:10:26.000
thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until

1691
02:10:26.000 --> 02:10:33.159
you're content. Time for an insurance
checkup, free no obligation comparison call Compass

1692
02:10:33.199 --> 02:10:37.840
Insurance Paying too much your coverage at
dozens of insurance companies find out now three

1693
02:10:37.920 --> 02:10:41.760
oh three seven seven to one help. You'll think you're his only customer when

1694
02:10:41.760 --> 02:10:46.479
you choose Frank durand the real estate
Man dot com to list your home with

1695
02:10:46.600 --> 02:10:54.319
Remax Alliance three oh three nine two
zero sixteen twenty two. I want to

1696
02:10:54.359 --> 02:10:56.720
hear you sing, I mean,
Jacob, I want to hear you sing.

1697
02:10:56.760 --> 02:10:58.760
Go ahead, your turn, all
right, all right, we'll try

1698
02:10:58.720 --> 02:11:05.000
it. You take I twenty five
egsit two thirty five, then five miles

1699
02:11:05.039 --> 02:11:11.760
west to the tree Fall. Definitely
in the running. Hold on, take

1700
02:11:11.800 --> 02:11:13.479
care of him, brother, you're
gonna get that's a good one. Let's

1701
02:11:13.479 --> 02:11:18.960
hear Let's hear it from Gilbert.
Gilbert, go ahead, Hold on,

1702
02:11:18.159 --> 02:11:22.960
Gilbert, go ahead, Sir?
Did I hang up on gilh Wait?

1703
02:11:24.560 --> 02:11:28.520
Okay, I'm sorry. Gilbert got
home? John, your turn? Go

1704
02:11:28.520 --> 02:11:33.319
ahead, John, you take ey
twenty five to exit two thirty five.

1705
02:11:33.479 --> 02:11:39.119
Oh this guy? Oh you're good. Hey, Steve, that guy's good.

1706
02:11:41.119 --> 02:11:46.800
Did you thank you? Okay?
Now they're both they both are winners.

1707
02:11:46.840 --> 02:11:50.520
Brother, they're both gonna win.
In my opinion, I don't know

1708
02:11:50.520 --> 02:11:54.039
what do you think now? I
hung up one? I hung up on

1709
02:11:54.079 --> 02:11:58.760
Gilbert by mistake. Win dinner.
John's still here, John, I'm gonna

1710
02:11:58.800 --> 02:12:03.720
put on hold and Kelly's gonna get
you the information to get your ticket.

1711
02:12:05.199 --> 02:12:09.279
Man. I like it. Now. I'm so sorry. Gilbert. Call

1712
02:12:09.319 --> 02:12:11.880
in again right now. We got
a couple minutes here, only a couple

1713
02:12:11.960 --> 02:12:16.159
here or three? Maybe well,
let's see. Maybe just calling Gilbert or

1714
02:12:16.199 --> 02:12:20.760
anyone call in three oh three seven
one three talk you get tickets. That's

1715
02:12:20.800 --> 02:12:24.760
tomorrow night's event. It's a wonderful
event Colorado National Speedway. Great for the

1716
02:12:24.760 --> 02:12:28.279
family, honest to god, VIP
tickets too, not just regular tickets.

1717
02:12:28.279 --> 02:12:30.720
Okay, Now, if you go, if you don't call in rock and

1718
02:12:30.800 --> 02:12:35.600
Roll Brewery, rock and roll dot
beer. Right, rock and roll,

1719
02:12:35.960 --> 02:12:41.520
rock and roll dot Beer. I'm
updating the website. I still have last

1720
02:12:41.600 --> 02:12:45.159
year's event up there. Right by
the end of the day, that'll be

1721
02:12:45.239 --> 02:12:50.039
updated. And now they got to
listen to it. Great. They all

1722
02:12:50.079 --> 02:12:52.920
want tickets, but they're saying the
words right. But you gotta get the

1723
02:12:54.399 --> 02:13:00.960
notes right. It's you take uh
forty five next two thirty five bean five

1724
02:13:01.159 --> 02:13:07.479
miles west to the tree five.
You want to come on, man,

1725
02:13:07.560 --> 02:13:09.239
you're the one who road it.
Of course you're gonna have it better.

1726
02:13:09.680 --> 02:13:13.880
Now I'm just waiting. I'm gonna
go. I'm gonna give myself free tickets.

1727
02:13:15.000 --> 02:13:16.520
Yes, that's what you should do. Now listen. I want to

1728
02:13:16.560 --> 02:13:20.880
just remind No, seriously, I
want to remind everyone. Tomorrow night is

1729
02:13:20.920 --> 02:13:26.279
starting. What time are you there, Steve? It's the races start at

1730
02:13:26.319 --> 02:13:31.960
six The races start at six pm. Generally the heat races start about four

1731
02:13:33.119 --> 02:13:35.479
thirty or five, though people get
there a little bit early and look for

1732
02:13:35.560 --> 02:13:41.840
the Rock and Roll Brewery tent near
turn one. We got sixteen different beers

1733
02:13:41.880 --> 02:13:45.079
we're gonna sell. We've got tons
of stuff with the kids and adults,

1734
02:13:45.119 --> 02:13:48.119
merchandise, T shirts, have where
is your where is your boot? Where

1735
02:13:48.199 --> 02:13:54.239
is your ten? It's it's near
turn one, turn one. I'm not

1736
02:13:54.279 --> 02:13:58.439
familiar with the sack when you go
when you go in, if you turn

1737
02:13:58.560 --> 02:14:03.199
right, just keep kind of walking
down till the first curve where the car

1738
02:14:03.279 --> 02:14:07.359
is curved. Now, next week
I'm gonna get a I'm gonna get a

1739
02:14:07.359 --> 02:14:11.960
better jump. I'm gonna get a
better jump next week on the what you

1740
02:14:13.000 --> 02:14:16.640
call it this, Chris, the
Father's Day event coming up, So thank

1741
02:14:16.680 --> 02:14:20.920
you very much for being here.
I'm running out of time, and don't

1742
02:14:20.920 --> 02:14:24.720
forget Colorado National Speedway and then rock
and Roll dot Beer is to find out

1743
02:14:24.800 --> 02:14:28.199
all about his beer. I'm Tom
Martine. Save all your problems for me.