Yea ripped dum news need advice so you don't have come running. Just as
fas as we can, Shooter's gonna help come. Man Dix is the Troubleshooter
Show. No Tom Martino, Hi, Tom Martino here, Welcome to the
show. Three oh three seven one three talk three oh three seven one three
eight two five five. Well, let's start off this week of spring and
uh beauty in the Mile High City and around the country of course from wherever
where you're listening, and we will take your problems, questions and complaints.
You'll see in my wifest here. I have Paul the Waterman with us.
We're talking about water. It's one of my favorite topics. And I'll tell
you why. Uh It's amazing to me how many people you know, the
all they can to keep healthy. I do. I have Grossmanwellness dot Com.
Truly. I go there and they do blood work every three months,
and then they also give the SUPs and all the you know, prescription drugs.
It's a concierge program. It's a wonderful thing for a few hundred bucks
a month. Anyway, I digress the reason I'm bringing this up. We
talk about everything food, supplements, but not water. What's amazing to me
is waterflies under the radar. If you're doing everything else but drinking tap water
or not enough water or whatever, you're doing yourself a disservice. So water
is really important that you have the right stuff. It really is. Paul
just told me. Going into the show, and then I'm going to take
your calls. Gary wants to talk about an issue with an online auction,
Nicholas wants to talk about welding, and whatever you want to talk about.
Give us a call at three oh three seven one three talk seven one three
eight two five five. Hey Tom you yes, we need to be today's
April Fool's Day, so make sure you have your cynical hat on if we
get any crazy calls. And I wouldn't mind if we did, because if
we did, it would be my job to decipher them and that would be
fun. By the way, but I'm going to say something now so my
listeners can be rest assured, and I mean this, I am not going
to do an April Fool's joke on them, but I may ask you to
do something for someone else on someone else. But in any case, Paul
the water Man is with us and he said, water is not safe to
drink anymore. Now what do you mean by that, Paul? I mean,
are we exaggerating a little here, Sir No, I don't think so.
With the with the with the nanoplastic problem that we have, the articles
that I read online this last week regarding nanoplastics being found in the human body,
placentas, arteries penetrating into a sunboard, children, the p files problem
that we had starting chemical grabber chemicals plus hormones, plus hormones description drugs,
antibiotics that are in the water. Do you realize that when the P file
started last year there were four chemicals that were in the made up to pi
fos family. Now they added another one hundred and eighty nine. So why
do I talk about this? I talk about it because I know people care
about their health. So here's what I'm saying. If you care about your
health, then you're do in the organic food and supplements and stuff. You
got to think about water, that's all. And like, so does a
triple filter reverse osmosis truly remove all of that nanofiltration? Absolutely? And now
here's my cos is is that triple filter reverse osmosis that I have nanofiltration.
Yes, it's zero point zero zero good one. Micron's absolutely correct. But
my concern is over a period of time, plastics don't disappear. They don't,
you know, they get smaller and smaller and smaller, and so that
is my concern. If we don't address this problem now, I'd like to
see us stop, you know, using plastics, recycle more, because what's
clearly plastics. Stop using plastics for what? Well, stop using plastic bottles?
Okay, ever, consumer, when you and I were younger, everything
was in a glass bottle where we recycled glass. Remember taking in, turning
the glass bottles in for money? Right? Right? I mean what would
you talk about, you know, the environment? Yeah? Three oh three
seven one three talk seven one three eight two five five Okay, time to
talk to uh Gary? So Gary, what's going on with you? Gary?
Welcome? Thank you. I wish this was an April Fool's joke.
It's not the So recently I participated in an online auction with one of those
big like three auction houses, the ones that just tell me what it is?
What's them? Which one Julian's Julian's auctions? I never heard of it?
Okay, they do a lot of the movie star stuff and rock star
stuff. Okay, And what were you bidding on? I was bidding on
some like memorabilia, personal memorabilia and for personal owned items items from a business.
I'll tell you exactly what it is if it's airworthy. And I'm not
a high dollar bidder at all. I have a personal budget. Was this
memorabilia of someone that you admire? Yes? Absolutely, okay, got it?
Yeah? And you know, to give you an idea my budget,
it was two to three thousand dollars and I figured I could get one or
two items for that. Plus they're handling fees and shipping, and so what's
the problem, man, Well, here's the thing. I as three day
ouption. I didn't participate the first day. I watched and participated all the
second day and bid on two or three items. I was rapidly outbid,
and I immediately stopped bidding when they crossed my threshold of living. So you
took part in the second two days of the first two days, the second
of three days, I took part in, and then the third day I
took part in and I did win an item right in my budget, and
I was extremely happy. I won that item. So I go and an
auction still was still active. I went on just to I didn't see any
invoices or notifications coming through that I won the item, because I'm signed in
it to their website. I looked at there. It's called the items one
tab. Yeah, and so there I opened it up. There's my item
one. Great. But then next to that item is a twenty six thousand
dollars painting that I did not bid on. I never even looked at it,
and I'm like, what is it this? Wait? Wait? Wait
was it in your cart so to speak? Yeah, it said I want
it that I bid on it and won it. I outbid ten people apparently,
and I never did you click it by a mistake? Absolutely not.
I never even saw this item. I've never seen it until I saw an
my items one tab. And so of course that number blew me away because
the item I won was like fifteen hundred dollars something like that, and that's
my budget, not twenty six thousand, and so of course I freaked out.
So I immediately notified them during the auction on their on my logged in
website. They have a text feature or something. Yeah, I not if
I had them that way. I called them on the phone because they hadn't
responded to me in about fifteen minutes on the text, Well, how do
they get payment from you for this? They said that you want just how
much? By the way, how much did you spend on this twenty six
thousand dollars thing? Well, that's what I mean. I did not bid
on that at all, I know. But how much did they say you
bid? And how much are they? Sorry? Twenty? I think it
was right at twenty thousand, and then at six thousand and fees? And
and what about the one you did bid on? Did you get that one
too? It said I won that, And that was the third day that
said I won that. That's how I discovered this other item. Okay.
So there's two items on your account, and one of them you did not
bid on exactly, okay. And the one item I won was like sixteen
hundred dollars and change six hundred dollars okay. And my credit the credit card
I had on file with them, It doesn't even it doesn't go anywhere near
the twenty you know. They're saying, yeah, but here's what I want
to know. Did they attempt to charge the twenty grand, right, So
then all of a sudden, and I hadn't received a voice shit or any
of that, and all of a sudden, all these credit charges start going
through my card. To worry, how many cut charges I got froud a
werts from my credit card. They're like, hey, there's multiple multiply.
Okay, well you can stop that, Gary, Let's go here first and
foremost. Did you stop the charges immediately? And they told me to my
credit card company said we're going to cancel the card immediately because you know this
is but what about the two thousand that you want to spend? Well,
the auction company, they're just saying. They finally replied to me and said,
hey, you we checked into this and it shows you clicked on it.
So you've got to pay for both lots at once, per the agreement
that you know when you register to do business with them. And then they
say congratulations, pay for your items, and I literally, you know I
don't have twenty eight thousands, of course. Okay, So so where does
this stand right now? Well, so I'm trying to figure out what's my
best step next. I have not one of my fathers. I could physically
call them. And discuss the dilemma and see if there's any way out of
this. Well, there is something out of it. You don't have a
contract, and you're done. They can never prove you did that if they
ever tried to take you to court. You didn't do it, period,
Okay, And I mean I don't Yeah, I mean what you do,
Gary, Gary, you might be banned from that site with this email and
log in. But here's all I'm saying. You did the right thing.
You canceled your credit card. Make sure that when you can't do a credit
card, by the way, that doesn't you need to know this. That
doesn't always relieve you of obligation, right. What I mean is if you
get another credit card, but it's the same account, if they can show
a pre existing agreement, they can go to the new card. Did you
know that? Oh no, I did not know that. No one knows
that. No one knows that. But it's true. The same card,
different number. I mean, it's just me, new number, same account.
They can go to the new one if they do, if they insist.
Here's what I want to tell you. What you ought to do is
leave it alone and let them come after you. Your insistence will be you
never did it period? Okay, Now is it possible Gary, come on,
I'm going to ask you here, yes, is it possible that you
did click on it by mistake? I understand that Tom and I can't emphasize
this enough. I absolutely did click on it. I didn't get over zealous
or excited. I didn't accidentally click us out. So now, but so,
after you canceled your credit card, they said we want you're going to
pay this right right? Well, after I canceled the credit card, they
ran like seven different transactions. And are they coming after you? Still not
yet. They just sent me an invoice saying, hey, this is what
you owe you know. Okay. So there's been no demands and no nasty
conversations, got it, Mike, Okay, keep in touch with us,
Keep in touch with us. I don't see a prayer where these people are
going to be able to collect this. By the way, earlier I had
mentioned Grossman wellness, I should mention for two hundred and forty nine bucks.
They'll do an introductory blood work, consultation, exam, all of that,
just to see where you stand. I urge you to call them three oh
three two three three forty two forty seven. It's where I go. I
credit them for health and wellness Grossmanwellness dot go with a sure thing Denver's best
roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance checkup free, no obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies find out now three all three seven
seven to one. Help. You'll think you're his only customer when you choose
Frank durand the real estate man dot com to list your home with Remax Alliance
three all three nine two zero sixteen twenty two. Hi Tom Martino, you're
a troubleshooter. Three O three seven one three talks seven one three eight two
five five. Okay, So Nicholas wants to talk about welding work. He's
looking for welding work. I believe, is that right? Snick, yes,
sir, tell me about yourself. Now, this is where did you
learn welding? So I learned welding back down in Publand and the Total Community
College. I went there for about two years ago to learn to learn about
MiG stick and all that stuff like that. Okay, and what kind of
work are you looking for? Ornamental or industrial or what? So I was
looking for anything right now because right now I I tried to apply for anything
for welding. But right now I tried, I put applications in. Then
I put applications and they call it so they need people more experienced. Stuff
like that. How they get my foot in the door. You can't get
your foot in the door. They don't even have apprenticeships. I try to
put down for apprenticeships, but a lot of people trying to get into the
same position as me. It's kind of hard to the fight over. Let
me ask you something. When you went for your certification, did your instructors
and stuff did they say you had a gift or you were good or you
knew it or what? How did they rank you? So I wanted to
go through my classes. I was in the top tier, like in my
classes. But I was a top tier in all my classes still. But
the heart, the hard part is getting your foot in the door. The
first thing that I understand that Nick, have you ever had an interview?
Have you ever gone as far as an interview? Yeah? I done an
interview. I like interviews before and what what is? What do you think
the stumbling block is for for me? Because I've done two interviews before in
my past, say like quick Fabrication shop, but they told me to a
lot of things that they did. They want people more experience because they don't
want the slow down to help you help people and not not help me out
like this slow down because I I know welding. I know welding, but
a lot of things are welding that need learn in school that you had to
learn on the job. But don't they have to kind of familiarize anyone with
their particular shop, no matter who they hire. Yeah, I understand that
I don't have what you mean, but I guess because I'm wondering this,
Nick. Have you ever have you ever offered to work on a trial basis
just to see if you can pick up where you volunteer as an intern for
a few weeks or a month, no more than that, to see if
they're willing to take a chance on you. Have you ever asked them about
that? No? I never, I never asked anyone about that. You
know it's unorthodox, but I believe it might be a way to get your
foot in the door. Let's say a guy says to you or a woman
says to you, we have a shop here, and you know we need
to have people hit the ground running. What if you said, you're willing
to volunteer as an intern unpaid internship, and you'll waive your right to pay
for a temporary basis to see if you can fit in. I wonder what
they would say about that. I mean, Nick, I want you to
leave your name in number, and what I would like to do is first
and foremost after people listen to this now. Some people are listening live.
A lot of people listen to tape delays and to podcasts if they're interested in
someone. Let's see what we can do now, Nick, why did you
go into welding? Tom? Yes, you may want to take one one?
Okay, go ahead. What's going on? Maurice? Hey? Tom?
How you doing? I love your anyway, this young man's trying to
find a job for welding. He can go ahead and apply a an S
construction. It's a company based out of Canyon, but my company, we
have a several several jobs all throughout Colorado, which basically uh Publo, Canyon
City, Lehanna, Lamar you name it. So if you could just put
his application in an an S construction, there's a there's a there's a good
chance that they might hire him. And do they do a n S.
Do they do a lot of fabrication? We do fabrication construction for minors.
We do asphalt, you name it, we do it. You know that's
a good idea, and I thank you for that, Maurice. Hey,
Nicholas, do you have can you take down this number for a n S?
Can you take seven to one nine one nine two seven five four five
five five? Okay, tell them you you know you were you were wondering
about in you know, jobs and all that, and then just see what
happens. Let us know, stay in touch with us, and make sure
Nicholas, we also get your number because if we hear of anything after you've
been on here for a while, I also want to pass it along,
okay, three oh three seven one three talk three oh three seven one three
eight two five five. Paul the waterman, we do have a question coming
in from a text and they want to know, is it is it practical
to do if they're if they're rather than a whole house system, is it
practical to put in two little systems depending on what their use is. I
think they're talking about drinking water, like if they have a bar in a
kitchen, or what is the practicality of a triple filter or just let's not
say triple fill reverse osmosis for the whole house? Is that too expensive?
Hold on, there you go, sir. Reverse osmosis for the whole house
can can range you know, close to twenty eight thousand dollars. You don't
need it, right, I mean it's something rarely if you run well water
with high tribidity, high salinity, high only really need that reverse osmosis for
drinking right, So point of use reverse osmosis for drinking water. It all
depends on how the house is laid out. If you have an unfinished basement,
we can you know, run that single use role system to more than
one location. Okay, okay, you could through those pipes, okay,
But for a whole house systems, what's the most practical for you know,
water conditioning, water softening is the most practical. Hard water is something that
our body does. It's a mineral our body does not absorb. It's it's
an inorganic mineral. Sort of softening through a house also purify it. No
softening is softening. Softing takes out hard water and what I was going with
as hard water can beat up filters and reverse hosmosis systems can only operate on
water that's less than seven grains hearken. So if you wanted to do a
whole house system, softening would help your plumbing and your washing and your skin
well in your appliance is because EPA is going to mandate. Yeah, and
then you only use the reverse osmosis where you want your drinking water, drinking
and cooking. Absolutely all right. We have more coming up on the Troubleshooter
Show. Go with a sure thing Denver's Best roofer Excel Roofing dot com.
You don't pay a cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass insurance paying too much your coverage
at dozens of insurance companies find out now three oh three, seven seven to
one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with REMAC Alliance three all three
nine two zero sixteen twenty two Hi Tom Martino, your troubleshooter three all three
seven one three talk three oh three seven one three eight two five five.
Welcome to the show. We are here, as I said, every day
to help you, Monday through Friday, and we asked that you give us
a call if you need a problem, if you have a problem, question,
or complaint. And we're going to talk now to uh Patty. Okay,
Patty, what's going on? Good morning? Thank you. Yeah.
So my question is I have a will and I have previously used family members
as my executor for my will, but because of the fact that my family
lives in another state, they find it that would be difficult to be an
executor of my will. So I'm actually trying to find a fiduciary and a
state fiduciary that can handle my will at the time of my death. I
have gone online and searched over and over and over again for what I think
is called an a state fiduciary, and all I can come up with our
financial advisors. Well, what you're looking for is an administrator, and they're
private administrators. And whether they are private administrators or public administrators, I want
you to listen to me because this is very important. Normally it's the worst
thing you can do, because the worst because they have no regard. I'm
not saying they're not honest, they have no regard for what's left over.
They charge tax and fee the hell out of your estate. And mentally,
when you go to one of these people, they're thinking, mentally, how
much does she have and how much can I get to keep. I hate
to tell you this, but this is the way it is in the industry.
This is the way it is. Okay, Now, the best way
to do it is a private attorney and then you know you, but you
still need someone. You need someone a purpose. That's why they call it
a personal representative to really handle it. Unless you have someone who's like a
brother or sister, or you know part you know someone you just a mentor
someone from your church or civic organization, it's very difficult, Patty, and
I urge you not to do it. But if you need someone, what
I'd like to do is ask one of our state planning attorneys what they would
recommend. Because public administration, and that's what it is. Even if it's
private, it's public, meaning it's not the family. It is a nightmare,
a nightmare and I only because they're going to rob you. I don't
how big is your estate, Patty, that's not that big. I mean
I own a house and I don't have any debts. So how much is
your house worth, Patty? I'd say under half a million? Right now?
Okay? And do you have stocks, bonds, savings, anything like
that. No, I don't have any stocks. I don't have any bonds.
Let me ask you this, I have retirement accounts. There's a way
to to get around this completely, and that is to bypass probate, where
everything automatically is transferred. What do you want to do with your stuff?
Well, I had hoped to Well, I had hoped to pass on my
personal properties to my family, which I can do that, But the house.
I do not want to put my house into a beneficiary deed because nobody
in my family wants the house, and if I do put it into a
beneficiary deed, that eliminates my chances of being eligible for medicaid should I need
Medicaid in the future. And so basically the house I was going to let
go to probate and just have you understand if you have a house, If
you have a house and need Medicaid. Then the house gets that, then
Medicaid gets a lean right, you know that? Right? That was not
my understanding. Well, that's what I happened, was okay? And a
beneficiary's deed will not interfere with that because Medicaid will come first. Okay,
that's not the way I understood it. And who did you understand it from?
Patty? I want to make sure I'm right from an attorney. Was
it in a state? Was it in a state planning attorney? What I'd
like to do is make sure I'm right. I don't want to give out
wrong information for anyone listening. So hold on, why don't we get our
estate I want to do a favor for you here. Well, let's just
ask one of our estate planning attorneys. This is a good topic. And
what I'll be asking specifically is this. If you have a home paid for
and you do a beneficiaries deed, does that preclude you from a lean from
Medicaid? When you said it would screw you up for Medicaid? What did
you mean by that? I was told that if I had and the beneficiary
deed on my house, that when the time came that I needed medical I
would not be eligible for medicaid as long as the house was in a beneficiary
deed. Okay, let me ask you the converse of that. What if
you did not have a beneficiaries deed, why would you be eligible? Because
I would have spent down all of the rest of my earnings, all the
rest of my accounts, my retirement accounts, everything else would have been spent
down to the point where I didn't have any money for care. But what
would have happened to your house? Why would have beneficiaries deeds screw that up?
What would have happened to your house? I don't understand that. I'm
assuming that that would mean that because I still have a house, that means
I still have assets. And well, okay, so what you're saying is
this, if you don't put a beneficiaries deed on it and you need medicaid,
you do understand you would either have to sell the house or eventually Medicaid
would get paid back. You know that, right? Yeah? Okay,
but I believe and this is what we're gonna find out, that a beneficiaries
deed does not take effect until you pass. And then if you had a
loan on your house, a lean is alone, and you passed the beneficiaries
deed would not affect that loan, so I'm not sure how it would affect
Medicaid. That's what we're going to find out. We got more coming right
up, Kachina. Let's try to get someone who can address this. Our
number is three oh three seven one three talk go with a sure thing Denver's
Best roofer Excel Roofing dot com. You don't pay a cent until you're content.
Time for an insurance check up free, no obligation. In comparison,
call Compass Insurance paying too much your coverage at dozens of insurance companies find out
now three all three seven seven to one help. You'll think you're his only
customer when you choose Frank durand the real estate Man dot com to list your
home with Remax Alliance three all three nine two zero sixteen twenty two. I'm
going to go right to Dan McKenzie, and I'm just going to ask Patty
to listen right now. Dan, there's two things I want to ask you
very quickly here. First and foremost, we've said this before. If you
don't have a friend or a relative that you trust, or it's not convenient
to have them as a personal representative. I personally, this is my personal
opinion. I don't like public trustees or what you call even a private trustee
that you hire, because I think they rape and pillage estates. Now I'm
sorry, Dan, but what is an alternative for people? Can they hire
like your law firm. Can they hire a law firm that wouldn't be bad?
They could. My law firm is not really doing that at the moment,
but certain lawyers do, so that is an option there are, I
mean, so it depends on There are a number of different fee arrangements.
One is that you could be paying a percentage of the estates and that gets
very expensive, very fast. There are some who do an hourly building arrangement,
and so there are individuals around here that actually we do refer quite often.
Okay, so they're not all They're not all pillagers, is what you're
saying. I mean, they're finuciaries, right, I mean, if they're
pillaging, like you're being a little bit of a tongue in cheek there.
But yeah, they you know, they do have an obligation to do the
best and it is obviously a little bit tricky, but so you have some
that you trust, is what you're saying. I do. Yeah, yes,
okay, good to know. Next question, now, regular Medicaid for
doctor's visits and stuff, they don't come after your house. But if you
go into a nursing home and leave your home as I understand that, they
can put a lean on your home, right, yeah, okay. Now
my question is this, if there's a beneficiary deed on that home, does
the Medicaid lean come first? Yes, and they will. The beneficiary deed
actually has language that is required to be on there by the statute saying hey,
this might disqualify you from Medicaid by putting this on there. Okay,
Now, why does it disqualify them from Medicaid? Because it transfers. It
doesn't transfer the house until death. Why would it disqualify her because it gives
probates and the way that Medicaid gets this lean you know, and force potentially
is making it. Got it name in the probate estate? Got it?
Now? I understand, Patty, You're absolutely correct. It does nix you
from Medicaid. Thank you, Dan, And if you want to get a
hold of Dan, it's Mackenzie Law Firm and you should call him a Patty
for some information on those on those fiduciaries that he trusts. Eight three three
c plans Kachina make sure she gets that eight three three co plans. His
website is co plans dot co O. Thank you, Dan, a very
very clear concise. We got the information we need. Now, Anthony,
what's happening? Anthony? Anthony? Hello, you hear me? Yes,
sir? Do you hear me? Yes? I can now? What's going
on? Man? Oh? Sorry about that? Yeah, it's it's been
a disaster of a weekend. Oh what's going on? Uh? Well,
first Thursday, my dog needed gas room intestinal surgery. So we've had them
recovering since Thursday from BCA. And then Friday morning, I woke up and
I'm a two time combat veteran and it kind of smelled like the candle heart
poupond. If anybody knows that pretty a couple of people. Oh my god.
So unfortunately I blamed it on my dog the whole day that the hell.
Oh no, I get what you're saying. So what it turned out
to be a sewer backup The entire neighborhood is backing up into our basement.
Oh my god. They're not responsible for Hoa said to call my home insurance.
Now hold on, Anthony, I may run out of a little time.
I need you to hang on. There are very specific questions I have
about this. It could be someone else's responsible, it could be your responsible.
It could be you have coverage, it could be you don't. And
it really depends on a number of factors. So I want to ask a
couple of questions. Is this a single family home? Yes, sir?
Okay. Did they track as to why there is a backup only in your
home? Yes? Apparently the plumber said that all the lines are going to
are backing up to my home because all the tour lines that planned out were
slumped in the neighborhood. All right, hold on, I don't know what
that means. We'll talk about it coming up three h three seven to one
three talks and one three eight, two five five hang on for more.
We also have Paull Thewaterman with us at waterpros dot net. If you have
questions about water, all of that on the Troubleshooter Show. And yeah,
I know it's April Fools, but I'm not gonna do that to you.
Maybe I'll ask you to do it to someone else go with a sure thing
Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance check up free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of insurance companies find out now three oh
three seven seven to one help. You'll think you're his only customer when you
choose Frank durand the real estate Man dot com to list your home with Remax
Alliance three oh three nine two zero sixteen twenty two. So you don't have
run as fast as we can. Shooter's gonna help. Come man, this
is the Troubleshooter Show. Now, Tom Martinez, Hi, Tom Martino here,
Welcome to the show. Three oh three seven one three talk three oh
three seven one three eight two five five. What's on your mind today?
This hour brought to you by eight eight eight Heating dot Com. They will
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oh three seven seven zero two seven seven six. Now, so Anthony had
a sewer back up, and he said the entire neighborhood's backing up into his
basement. And I want to talk in general about backups. Normally, when
there is a backup, normally it's impossible to find a culprit. So normally
people have sewer backup coverage on their insurance. And about I would say ninety
eight percent of well, no, about ninety percent of the time over the
years, people cover their own damages with their own insurance. If people don't
have sewer backup insurance, they end up having to foot the bill. In
rare cases, there was something done out in the street by a contractor or
lack of maintenance by the sewer district that causes it, and they come in
and at least pay for some of it, if not all of it.
Now, hoa's are never responsible for it. Ever, it is the sewer
and water district if anyone other than the homeowner or a third party who did
damage to the sewer system. If there is normal settling over the years,
that's on no one either. So if it happens to you, you got
to clean it up. So, Anthony, we have to really analyze what's
going on. If there was a restaurant in the neighborhood, let's say,
and they didn't have a grease trap properly installed, you could go after them.
If the sewer and water district did something defectively or lack of maintenance,
you could go after them. But I'm going to tell you most of the
time, it is your responsibility as a homeowner, not your fault. Remember
I'm not saying your fault, I'm saying your responsibility. So what do you
think is going on in your neighborhood? From what the plumbers told me,
they said, there's some damage on the pipes that made it sag. So
the pipes pitch is not pitching towards the city store line anymore. And it's
wait, wait, that's your service that that sounds like your service line,
your service line. No, it's it's the community's private life. I live
in Altara High Point and there's like a whole four block community and these are
brand new houses from Okay, so what they're saying is the community has a
big service line that no longer drains properly into the city. Is that what
they're saying, correct? I mean, if it's not fixed, it's going
to drain back into me and my neighbor's home in two weeks. Okay.
Now you have two problems. One is the immediate problem of the of the
damage, and again the homeowners association? How how old is this community?
In September? I believe it was built, So, in other words,
it's a brand new community. Is it a part of a community or is
it a community unto itself? Just four blocks? It's a community part of
the Alta high Point community. So it's so is it a new filing?
Yes, Okay, the HOA then has hundreds of members or just that little
four block area. No, it had hundreds of members. Okay, the
HOA. You're not going to like this, but the HOA probably is not
responsible for it. The HOA didn't do anything wrong. Okay, they're not
responsible to you. But let me explain something. Are you positive that the
sewer line is private? Yes? I had a lot of help with Denver
Waste Management on Saturday. And if you miss, say, looked at the
maps, confirm that it is a private line and apparently it could be a
builder defect. Okay, Now, first and foremost, do you have sewer
backup insurance? Oh? Yes, okay, thank god. Now next to
keep it from happening again, do you have you ever heard of a sewer
check valve? Sir? Some sewer systems don't allow them. However, you're
in a private community with a private line, and unless there's something in the
bylaws, you can have a check valve put in your sewer line. That
would prevent a backup. Now, unfortunately, it'll go to your neighbor.
And if your neighbor puts one in, then it's going to go out to
the street. In other words, it's going to go on the path of
least resistance. But to protect yourself, there are two sewer check valves.
Okay, that's one. Okay, number two. The bigger picture the community.
If if that line was put down just last year, then that contractor
would be liable to the HOA if the HOA hired them. Did the HOA
hire them, or did the developer hire them. It was the developer,
Taylor Morrison, and there has been some townhouses with similar issues with sewage boiling
up from their toilets. If the developer developed, I know it's the developer.
The developer. What they do is they hold back vacant land when they
have a community, and then they go in later on in different phases,
and they developed that part of the community right, and then once it's done,
they turn it over to the HOA. So the divel developer and the
contractor would be responsible if they installed the sewer improperly, okay, if they
didn't put enough pitch on it. But if the sewer settled, that's not
their fault. There's a difference between installing it incorrectly without the proper betting and
without the proper backfill and without the proper blah blah blah blah blah. There's
a difference between that and normal settling. They have no control over normal settling.
If the community settled and now it's backflowing the whole community and the HOA
is going to have to deal with it. Okay, they're going to have
to deal with it. But so there's way too much homework for you to
do alone. And if your h aay won't help, that's because not enough
people are affected and they don't care. That really is what it boils down
to. Unless there's twenty or thirty people, they don't care. And your
developer didn't do anything wrong. Your developer hired that contractor. I doubt the
developer said to the contractor, hey, make sure you do this wrong.
I mean, there's no reason to they pay. They pay to have the
sewer install. Now, the sewer line guy or the contractor, what did
they do wrong. It could be that they did it wrong, but for
you to try to take this on would be hundreds of thousands of dollars in
lawsuits. Okay, it's just not going to happen. Unless the HOA gets
upset with the developer and the developer gets upset with the contractor, nothing will
happen. Nothing, okay. So the only thing you can do is protect
yourself. I would get a sewer line check valve. Okay, I will
do that, Anthony. This is sad because it could be the worst scenario
is that no one really did anything wrong, and just in this it's a
plan words, but it's real crap happens if you know what I mean,
because it's settled. Did the plumbers have an opinion? I mean without looking
at it? Did they? I don't even know how they know that the
private service line slopes the wrong way? How did they even know that?
After they cleaned all the service signs for the entire neighborhood. They have a
camera that they put into the pipe and they were able to confirm that there's
no pitch. Okay, now okay, hold on, then how many homes
on that one line with no pitch? There's something like what maybe forty homes?
Okay, then do you need Here's what you need to do if you
want to try to take the bull by the horns. You need to get
a petition going and get these homeowners to sign it, and you need to
tell them they're in danger of a sewer backup, You're not the only one,
and that you have the results of a camera that says that it slopes
the wrong way. Okay. And then once you get that petition signed by
these homeowners or majority of them, you can take that petition to the HOA
and say we need this fixed. And you can stay in touch with me
each step of the way, and I'll help you. But you got it,
but you got to start somewhere. First, you do the checkvalve right.
Second. Second, that's just to protect yourself. Second, get a
petition going with all homeowners affected, and make sure you get the information who
hired that plumber to do all those drains, who hired him each homeowner?
No No, I ended up hiring them because they said it's my problem.
But you said, wait a minute, you said they cleaned all that.
You said they cleaned a bunch of people. Who did each homeowner call them?
No? No. The HOA was able to reach out to professional plumber's
Denver and they brought up big truck and then they cleared out the entire neighborhood
after they've discovered that it was in just my home. So the HOA does
know there's a problem. Yes, okay, good, good. Is the
HOA going to fix it? They don't know right now if it's their problem
or Taylor Morrison's. But they did tell us to reach out to our home
insurance. We can be taken care of it. I understand that. But
it's your HOA that has to take action against Taylor Morrison, who then takes
action against the subcontractor I'm Tom Martino three h three seven one three talk seven
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You don't pay a cent until you're content. Time for an insurance check up
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help. You'll think you're his only customer when you choose Frank durand the real
estate Man dot com to list your home with Remax Alliance three oh three nine
two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter three O
three seven one three talk three oh three seven one three eight two five five.
Okay, Uh, Clay's got an issue with a contractor whatever your issue
is, give us a call. Plus, we have Paul Doubting here,
Paulwaterman dot com or Paul or Paulwaterpros dot net. Hey Clay, what's going
on? Well? What's going on? Tom? Is? Back? In
August of twenty two, my neighbor burned my house down? But what figure
Wait, wait, wait, wait, you can't just gloss over that,
sir. What do you mean your neighbor burned your house down? Yep,
she threw a lit cigarette back in August of twenty two, and was when
it was really hot, and she threw a lit cigarette in her backyard which
caught her house and her car on fire, which shut towards my house and
burned my house on fire. Now does it? By the way, I
just want to know this and then we'll go on to your problem. Was
she like? How do does she acknowledge that? Does everyone acknowledge she started
it? Basically? I have video footage because I have I well, know
what I mean is was she ever charged with anything or did your insurance try
to go after What's going on there? My actual she is going through court
right now with who with Adams County, the state is going after her.
Okay, okay, So what's going on? So what's going on is my
insurance and the contractor are fighting, I guess or something, because all of
a sudden two weeks ago, the insurance or not the insurance, but the
contractor to a swint. But the was your house destroyed? By the way
it was, it was a complete loss. I had to have it had
a spestis in it, so it had to be completely abated. My family
five we lost everything because it had a spestis in it and we had a
building tech basically from the ground up. So this is in August of twenty
two and now we're coming up on a year and a half. What is
the problem today, Well, the problem is today that the contractor is putting
a lien on the house. And I know by the Colorado Loss it says
within like two months after they quit, you know, after they do the
lian, they can technically put me into forclosure. I don't know what I
completally. No, the contractor is putting a lien on your house because your
insurance isn't paying. Yep. Why is your who is your insurance company,
Safe Co Liberty Mutual And why is safe Go not paying? That's a good
question. They keep saying, Oh, the contractor didn't do something right.
Everybody's pushing the buck back and forth. I mean, well, one person
is telling me that are they paying your temporary living expenses? We just got
our house back in November of twenty three, so you are living in your
home. Yep, I just got back home. And how much is the
lean for? Two hundred and seventy eight thousand dollars? Okay, Now I
don't understand this at all. I mean, why are they not paying?
And That's what I'm trying to figure out. When I talked to the dwellings
manager whatever he is, he's saying that it's because we have to have our
contractor fix it, and so on and so forth. They just keep pushing
the buck back and forth. Time when you need to get this what you
still haven't answered me? What has to be done that your insurance is waiting
for? They have to get what is that called? I guess the estimate
they have to fix it to where they can prove how much the actually need
to be paid for. I still don't understand what you're talking about. Yeah,
that's what I'm confused. Well, hold on, hold on, hold
on. You're telling me that they won't pay because they did you upgrade?
Did you do a lot of upgrades? Nope, I just did. I
think I did a few things, but a lot of it I did myself.
Are you are you paying for the upgrades yourself? Did you pay your
deductible? Yep? But I paid my deductible. I did all the upgrades
in myself. Would you pay the deductible to the kids to actually take it
ahead of the money that they gave me for my personal property? Yeah,
and so that was deductive from your personal property. Okay. And you didn't
get paid anything for the construction at all? No, And considering I put
a lot of it in myself, like all those singing fans. Some of
the podlights, the furnace and ac I paid for. They just installed it.
I had a lot of things I did and bought so that they can
put in or I put in my own money. Does your insurance say they're
not going to pay. No, they're not saying they're not going to pay,
but they really get two cares that there's a mechanical lien on the house.
Okay, it's a mechanics lien. It's called And when was the last
time the contractor did work? What contactor was here? Back on December eighth
the last time? And they will finishing up things on the outside of the
house all right, January February. Okay, they're within they're within their four
month time span to do that. They only have four months. Did you
get an actual a notice of lean? Yes, I got it the day
after the leen was heir. I guess the leen was done. On a
Thursday, I got an email from me and saying we were going to attempt
to lean as an On Monday I got the official letter. So Monday to
twenty fifth I got an official letter. So the lien hasn't been filed yet.
No, it's been filed through Adams County. Well, they have to
give you a ten day notice then they file, But I don't care.
I'm not going to get into the weeds here. So they can foreclose on
it at any time. They don't have to wait. In fact, they
have to do it within a certain amount of time for it to work.
Who is your lender. My lender is Chassler. Your lender needs to know
about this too, because your lender loses the house too. Yes, have
you talked to Chaffa? I have told them, and they said he would
make notes and I'm supposed to keep them in the loop. That's all I
was told. I want to get our insurance expert on to talk about this.
I want to know what do you do in this situation because your insurance
is going to be responsible to you. I mean, they can't drop the
ball, but you need to get an official reason why they're not paying.
I mean, if it was done since December and they haven't paid, did
they say when they would pay or what they need in order to get paid.
Did they give you any information like that. The only information they gave
me is they need to have my contractor get back and holds it in because
they're being the adjustment on the scope of practice. So once they get that
all fixed and all the toadstakes, they had no problem paying it. But
the problem is that he's saying right now, is he went off of just
what my contractor sent in. I'd have to come out eighty thousand dollars out
of my pocket, and I can't afford that. I'm on disability. No,
no, no, what do you mean why would you have to come
out eighty thousand. I don't get it. Because they're saying because of our
I guess our limits were really really close to our limits, and they're saying
that, you know, they're not going to pay anything over my limits.
Well, of course they're not. Of course they're not. Clay. I
mean, you have a limit. You didn't get full replacement coverage. Yeah,
back when I got this, no, I did not. I didn't
even know about it. So wait a minute, what kind of coverage do
you have? Do you even know? Now I do because I changed insurances.
What kind of coverage do you did you have for this loss? For
this loss, we had it where it was up to double of what my
policy limits were. Okay, so what was your policy limit? I had
the house covered for two hundred and fifty thousand dollars and then they doubled it
to five hundred thousand, so that was they said, oh, yeah,
that'll cover it. And then I had had a SPECIs then, so they
took that off of the dwelling cost for the rebuild. And now they're saying
the rebuild is going to call it. It costs like four hundred and some
thousand dollars to rebuild my house. You said it was already done. Yes,
I'm back in it. Yes, so you're not above the limit.
You four hundred is under five hundred. You're not above the limit. Yes,
But they what they did, and they said the abatement that Festus money
comes off of dwelling cost to rebuild cost. So I think this two hundred
thousand dollars for abatement. So that put me down to where I only had
three hundred dollars for all. Right, hold on, we need to get
Compass on. We really need to get Compass Insurance on because there they can
help us. Hold on a second, three oh three seven to one three
talk. This is terrible. We'll get an answer for you though. And
this is this is something important for everyone to listen to. Right after this,
go with a sure thing Denver's Best roofer Excel roofing dot com. You
don't pay a cent until you're content. Time for an insurance check up free,
no obligation. In comparison, call Compass Insurance paying too much your coverage
at dozens of insurance companies. Find out now three oh three seven to seven
to one help. You'll think you're his only customer when you choose Frank durand
the real estate man dot com to list your home with Remax Alliance three oh
three nine two zero sixteen twenty two. Hi, Tom Marts you know here
three h three seven to one three talk seven one three eight two five five.
Mike has a comment on Clay's issue, and then we'll go to Jeremy
over a compass insurance group. But bottom line is this, he has an
issue after a fire, the house is rebuilt. We have a lot of
problems coming up we got to talk about. But Mike, what is your
comment? Tom? I think you're both missing an important aspect to this case.
Go ahead. I'm a retired firefighter and the fact that she toss that
cigarette and started the fire, and then that fire crossed her property line makes
this felony arson and she is responsible, not his insurance company. Well I
know that, but for all intents and purposes, you don't wait for the
law and a lawsuit and you let your insurance cover you and then subrogate right
and I guarantee you they will, but he may find some relief with her
insurance company if he is an you mean for the shortage, for the shortage,
that's a good point. I want to lay this out to Jeremy Curzy
O over at Compass Insurance Group by the way, that's home of the free
insurance checkup, and they'll check your insurance to make sure you have everything in
order, by the way, or you're not paying too much, or you're
not under insured like in this case, and you can call them. I'll
give you the number three h three nine nine six nine thousand. Jeremy.
Bottom line is this, I never heard of this. Clay has replacement coverage
up to two times the policy limit. Have you ever heard of something like
that? Yeah, it would basically be if they have one hundred percent extended
replacement cost. Okay, now, okay, but here's the problem. Okay,
they're going above that. Oh okay, so he's going to be responsible,
right, There's no two ways about it, isn't that right? Yeah?
I mean in a normal case where you know, his insurance is rebuilding,
he would be covered the difference. Now they're but they're subtracting. Here's
what they're saying, Clay, are they saying they're not covering the asbestos abatement
or they are? Yes, they cover this festal and they added it into
the hold on and they added that into the rebuilding the total rebuilding costs.
Right, yes, So what is the total rebuilding cost at this point?
Right now? It is like six hundred and seventy eight thousand dollars? Okay,
So you're going to be responsible for one hundred and seventy eight thousand?
Is that right? Jeremy? Am I losing? Am I? I mean
technically that's true? Right? Correct? Yeah? Now have you got I
mean is it one bid that he's gotten or is this No? It's done,
brother, it's over, it's built, he's living in it, gotcha?
Okay? So I mean, now, what is your mortgage on this
house? Clay? I have it's two hundred and thirty thousand. Well guess
what and what what interest rate is it? That's that four and a half
percent? You may have to get a second or another first, Clay.
I hate to tell you this, man, but you're only covered for what
you're covered. Jeremy, there's right. I mean, have you seen this
happen to people before? Because building costs went higher than they had coverage for.
Oh, we see it every day, and I mean it's tough because
people are calling in trying to save money, and we we get that,
especially with these rates, but so many of the policies when people send their
deck pages in, I mean, there are hundreds of thousands of dollars short
of what it's going to cost. People don't realize what you know, the
current cost of construction is. It's it's a lot high. So it's it's
tough because that's the majority of the conversations we're having with Clay. You may
have to sell you you may have to sell your house, Clay, it's
probably worth more than it was before, right, Oh, yes, absolutely?
How much more is it worth worth? Over five hundred thousand now?
And what did it used to be worth when I bought it? I bought
it for two hundred and eighty thousand. So unfortunately you have to take you
know, you have to pay part of it, right, you do know
that, you I mean, let's just start with that. You know that
you owe the amount above your coverage, right, yes, Okay, Now
the second thing we need to talk about. If you paid for stuff and
it wasn't part of the rebuilding cost. They shouldn't count it. But you're
you're still gonna be oh money, It doesn't matter. Did you get credit
for the stuff you purchased directly? No? I have not got credit for
it yet. Well, if you put in some some if you did some
labor and bought some materials, what does all your part add up to right
now? I'm at almost sixty thousand dollars now on the sixty thousand that you
put in when they figure the rebuilding cost at when you figured the rebuilding cost
at six seventy eight, did you include your sixty in that? Yes?
So the builder, if the builder gets paid the five hundred thousand in coverage
that you have, what balance is the builder expecting he's not expecting the sixty
that you put in? What is the builder expecting if they're expecting two hundred
and eighteen thousand dollars on top of the five you go, on top of
the money that they've already received from insurance. But that doesn't mean anything to
me. I need to know you have five hundred thousand in total coverage?
Yes, So what does I need to know? How much above your total
coverage will you owe. You're not gonna owe the whole city. You're not
gonna owe the one seventy eight because that includes sixty you already spent. Yes,
they're saying, my insurance guy told me I was gonna if they had
to do it as of right now, I'd have to pay out eighty thousand
dollars out of my pocket. And you will. And that's a deal,
especially with what the house is worth. So it's too bad. But it's
really true. You're gonna have to pay it. You will, I mean
you now, Jeremy, never mind, Jeremy, I don't see any any
way around this, do you. No? I mean, I cut the
tail in before I came on about that. It was a fire from another
house. That now the subrogation. When they subrogate, will they try to
get his money back to They should? Yeah, I mean I don't know
if they have a legal responsibility to but you don't. But he can go
after them too directly. Oh absolutely. And that's the thing I mean,
I think if I'm in a we have to take this break. I'm sorry,
but Jeremy, I'm gonna tell you, Clay, you're going to have
a lawsuit against your neighbor as well, but you are going to be responsible
for the eighty We got to take this break. Go with a sure thing
Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're
content. Time for an insurance check up free, no obligation. In comparison,
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now three all three seven to seven to one. Help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three all three nine two zero sixteen twenty two.
Hi Tom Martino here with waterpros dot net, by the way, for
the best water systems at the lowest prices. Jay's got a comment on Clay's
issue. Basically, Clay's neighbor burned down his house with a by throwing her
cigarette in the lawn, burned down her own house too. His insurance is
only covering about five hundred thousand. He covered about sixty thousand already with extra
stuff, and then you know furnaces and stuff he paid for in his labor.
There's going to be a deficit over his limit of eighty grand, that
he'll have to either put a second on his house or what ever. Do
you have a comment on that or did he hang up? I'm here?
Okay, what is your comment? Okay, several things. First of all,
when the arson has burned his house down, it's going to be a
lawsuit that's going to take time, but eventually he should be made whole.
So with that in mind, what I would do if I were him,
I would take, because he's obviously on a text income, he's probably old
enough, I would take a a reverse mortgage on this house, pay off
whatever I needed to. Then I don't have to make a single payment.
I can live on what I get. What a good idea, And I
made whole because you can go for every single cost. He needs to be
made whole by a good attorney. Then he pays off everything with that settlement.
But by and by the way, her insurance would have to pay for
her, but he goes after her. She turns it into her insurance,
and then her insurance pays if he wins. Absolutely, that's a great idea,
Jay, Thank you very much, man, I'm telling you what a
good idea. A reverse loan. Wow, you have more coming up on
the Troubleshooter Show. Please get your calls in threeo three seven one three talks
seven one three, Echo five to five or three oh three Martino, Go
with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay
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comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find
out now three oh three, seven to seven to one help. You'll think
you're his only customer when you choose Frank Durand the real estate Man dot com
to list your home with Remax Alliance three oh three nine two zero sixteen twenty
two news. You need advice? Who you don't have a camron is just
as fast as you can. Shoot's gonna help come Man Dix is the Troubleshooter
Show. Now Tom Martino. Hey, I'm Tom Martino. Welcome to the
show. Three oh three seven one three talk seven one three eight two five
five. How's everything going with you? Had? I hope that you had
a wonderful day yesterday. Of course, we all know what it was.
It was a transgender visibility Day. I hope you all celebrated and had a
great time, and welcome today. Let's talk about your problems, questions and
complaints. What's going on. You know, I personally am going to lobby
for Theoryan Day. And by the way, this is a joke. Okay,
we're not like, don't get all bent out of shape. You know
Atherean is. You know what etherean is? Right, you know what it
is? What is Etherian? Come on, you're an intelligent guy. Tell
me dragon? What's Etherian? No clue? It is a person who identifies
as an animal other than human, either in philosophy or spirituality, or both,
with some physical characteristics. It is a deeply held belief and identification.
So here's the deal. Being Atherian used to be considered a mental illness,
but it's not any longer. It is a recognized way of life. So
welcome. I'm lobbying for Atherian Day, National Theoryan Day because I want to
I want to identify. I'd like to be a horse for obvious reasons,
but I'm not going to get into right now. Three oh three, how
about our horses? Real Tom, that's part of being a horse. And
anyway, again, welcome to I'm gonna make why don't we make hey,
we can make April Fool's Day National theoryan day. But I don't really want
to make fun of people who are theorians though, because they truly deserve their
own, their own thing if they want to be a theory, and they
should be. You know, we have giraffes and hippos. We have all
kinds of horses, and a lot of them are wolves. I'm not sure
though, that we need special restrooms because most animals just go outside, right,
so we could have etherean lawn. So let's just do that. Let's
start solving problems seriously now today welcome folks. Three h three seven to one
three talks seven one three A two five five. I want to ask Courtney
Pierce from buying build. You know I love buying build. In fact,
I've done so much business of buying build. We did a laundry there,
laundry room with cabinets, encounters, I did my hangar, I did another
room on the whole garage. If somebody once to ask Tom, you're like
some like materialistic weirdo that you would have such beautiful shaker cabinets in your garage
with freaking granite countertops. Okay, that's what it looked like. People thought
I was an idiot trying to show off. Do you know why I had
those shaker cabinets and granite countertops in my garage? Courtney? You remember I
told you why, right, Because because I went to the home Depot,
and then I went to Low's, and I went to all the other big
boxes and those crappy press board or tin cabinets and crappy whatever they do for
mica workbenure or whatever, butcher block. We're more expensive than what you sold
me with that beautiful stuff. Honest to God, I couldn't believe it.
Couldn't believe it. So normally you go there for great deals, right normally?
Now about well, how many times a year do you have your special
auction for even more streaming deals? We try to do. We try to
do two a year. This is our first one this year, so we
might do another one by the end of the year. But so I want
to explain, you can always go to buy and build. It's is that
five sixties South Lapan? Do I have that right? By memory? Yes?
That is correct? Yeah, And I'll give you that phone number.
You can go there anytime for great deals. But the auction is different.
Now, what do you do with this auction? Do you take stuff that
hasn't sold in your at buy and build or how do you get set up
for this auction? Well, some of it's you know, when we have
some customer returns or somebody mismeasures their kitchen and they bring back a couple of
cabinets, we end up with brand new cabinets sitting in our showroom. So
what we do is we just piece of kitchen around those cabinets, and we
buy more new cabinets and put them around there and to slam as full kitchens.
We also do a full truckload of merchandise from a close out broker that
we deal with in Missouri. So there's some close out cabinets in this auction.
There's tile, there's hardwood flooring, there's trim, there's carpet, all
sorts of different stuff that we don't normally stall our showroom that is available for
sale of the highest bidder at the auction. You can get some really good
deals. In the past, We've seen hardwood lor and go for a few
pennies a foot. Remember that, Yeah, it's correct. Now I'm looking
at a lot right now of unfinished hickory four inch it's a premium product and
it's sitting at thirty cents a square foot right now, and that's probably a
five dollars square foot product. Oh my god. Now when is this auction
on? Like? What is what is the When does it go through?
Let's talk about that. Okay, So it's online right now. You can
start placing bids. Currently, it's at rollerauction dot com and just look for
the buy and Build auction and click on that link now, rollerauction dot com.
Okay, I'm on roller auction, And then how do I find specifically
buy and Build? So you click on their auctions tab and even if you
just scroll down on their homepages, should actually be there. Can you go
to that par Okay? Well, I'm just looking because I want to make
sure people find it, because I don't want them to think not that it
matters. I mean, they're going to have fun on this site anyway.
I just want you to know when oh I see it, you're on the
top row. Second over, So there are many auctions. I just want
people to know that but Buy and Build is one of them. So if
you go to roller aauction dot Com, right on the front page, right
now, the top row, it's the second one over, it's Buy and
Build Home Improvement. Now it starts. It says here on Wednesday. Is
that right? Or is that when it closes? So that's when the first
item closes. So if you click right now on the bidding available, it's
just got it right, says bidding available. You click on that, it'll
take you right into the auction and show you the items and what the current
price is on those items. I'm going to tell you something, and they
for you. You're never going to find anything lower priced for the quality anywhere,
no matter what. So if you go there, you'll see a lot
of stuff. I mean, even though the bathroom hardware is unbelievable, the
prices and so the other shower set sit in the six bucks you know it's
yeah, two hundreds big range shower heads. Yeah this is. And okay,
there's some vanities here at these sales. There are vanities with granite tops
for seventy bucks. What are you kidding me? Okay, I love this
guy, Oh vessel sinks. I always love these this fancy fancy vessel sink.
The current bids twenty two point fifty and then manned. You have a
lot of stuff. You take up pages and pages, big tub sinks,
beautiful sinks, just all kinds of decoruments stuff. We have a hot tub
in this auction. We have a triangular spa, a thirty jet hot tub
in this auction. So yeah, you have multiple pages through it rollerauction dot
Com. So how does it work? Then come Wednesday talk about how that
works. Sure, so at one o'clock on Wednesday, the first three items
will close at one o'clock, and then at one oh one the next three
items will close, and so on through the whole sale. If you're bidding
an on an item right before it closes, and somebody outbids you thirty seconds
before it closes, it goes into an extended bidding for about three more minutes,
and it allows you to counterbid so you don't get something stole out from
undo you at the last minute. You can also say it's a maximum bid
that will keep bidding for you automatically up to what the maximum you're willing to
bid on an item is. And a lot of times I'll never get to
that amount, you'll get it still for the lowest price possible. Base Now
normally you normally you have some pretty creat not all of it, but some
of it gets pretty weird that you pick up along the way. Anything weird
in this auction. There are definitely a couple of items when you get into
the higher number pages. It's a lot of stuff from my brother's warehouse.
So there's some toys in there. There's hot wheels, monster trucks. There's
stretch armstrong hot dogs. Believe it or not, I think that's the weirdest
thing we've got. It's a stretching hot dog. It's like a stretcher,
I'm stronger, shaped like a hot bug. A couple just goofy like gift
items we've got, you know, elect some electronic items. Yeah, yeah,
I'm looking right now. It's fun. It's fun to scroll through this
rollerauction dot com roller auction dot com. Man, some of these backpacks,
is that for real? Ten dollars for this night? Actually, oh my
god, this is a big beautiful backpack. And I mean there's just all
kinds of weird stuff Man Coleman lanterns. So there's really no describing what you
have. I mean, you just have to go look roller auction dot comor's
businesses that closeout business and you can get all sorts of treasures. So I
never know what I'm going to get at these auctions until I unwrap the palettes
and then I'm like, wow, look at that. That's really cool and
that's pretty fun. All right, So that's roller auction dot Com. Thanks
a lot, man, I appreciate you being here, Courtney. I love
the place and remember for regular shopping five sixty South Lapan And that's just the
way it is now. Rail has a question on a home insurance Rail I'll
answer you after the break. What is your question? A few weeks ago
you were talking about loss assessment coverage people being short on that, and today
we heard the guy whose house got burned down hidden being short. How do
we find out what the appropriate coverage is? Because if I ask my insurance
guy, he's going to be glad to sell me all kinds of insurance.
But what kind of resource, unbiased is there to find out what coverage you
should have to base on where you live and what you own. That's a
great question. Maybe we can get our people back from Compass Rael hang on
because I do have the answer to it coming up. On the Troubleshooter Show,
Go with a sure Thing Denver's Best Roofer Excel Roofing dot com. You
don't pay a cent until you're content. Time for an insurance checkup free,
no obligation. In comparison, call Compass Insurance Paying too much your coverage at
dozens of insurance companies find out now three all three seven seven to one.
Help You'll think you're his only customer when you choose Frank durand the real estate
Man dot com to list your home with Remax Alliance three all three nine two
zero sixteen twenty two. Hi, Tom Martino, your Troubleshooter three all three
seven one three talks seven one three eight two five five. Rayel has a
question on house insurance. He wants to know, Hey, how do I
know what coverage to get and how much to get so I am covered?
He said, I don't know if I can trust an agent because they're just
going to try to sell me as much as they can. I'm not sure
about that, Jeremy, first and foremost, are there any checks and balances
to find out if someone does an underwriter say wait, a minute, this
is way undervalued. Or does an underwriter say, wait a minute, you
got way too much coverage, And does it pay to have more coverage or
less because the more coverage, you don't get it. Even if I insured
it for a million dollars and my house is truly only worth five hundred,
I don't get the extra money if it's destroyed, do I correct? No?
Correct, you don't. You would get up to what it's going to
cost to rebuild. And yeah, there are checks and balances to make sure
it's not horribly underinsured or over insured. I think the issue that we're seeing
and have seen over the last few years is how long and people don't realize
how long it's going to typically take them to rebuild their house. So if
it costs you four hundred thousand to rebuild your home on today's dollars and you
have a loss, you're not getting that re built. Most people at least
aren't getting that rebuilt right away. It's it's you know, could be up
to a year before you get a contractor who uh and get under contract,
so you're subject to a cost in the future you need to have. And
that's what that from the last call when we talk about that extended replacement cost.
That's what that's geared to do, is that from the time you set
up the policy until the time you need it, those two numbers could be
different. That extended replacement cost is supposed to cover that gap. Well,
here's what I want to know. Then, who estimates if I come to
you for insurance, who estimates how much insurance I need? So their software
it's called the replacement Cost Estimator, and we will put all the information of
the home in the square footage, kitchen, bath, all that stuff,
and the area number in the area now, you know, And the thing
to understand, we're not so much looking at a real estate value as much
as we are a reb cost. So the value of the home could be
very different than what it's going to cost to replace, both more or less.
So we're much more concerned what is you know, what's a general contractor
going to charge you? They typically charge by the price per square food.
We're trying to come up with that number, and then the personal property is
separate from that, right it is. Yeah, So on replacement coverage.
On replacement coverage, let's say it's going to cost by today's estimates, on
paper five hundred thousand to rebuild. Remember that's not the value of the home,
that's the rebuild. So if it's five hundred thousand, can I get
unlimited replacement cost if it goes up? Or does it only go to double?
What does it go to? Every company is different, so we have
right now we're down to one company that will do the unlimited which is called
guaranteed replacement or uncapped replacement. So what company is that? Acuity insurance?
So great, well for example, and you're fine to talk about this since
you guys have all my insurance for example, what would mind be? Do
you know? Is it double? Is it what let me pull? I
don't even know, I honest to God don't know. And you don't have
to talk to dollars or what yours is unlimited too, so pure the company
we have with they are also a guaranteed replacement costs. They have pretty high
starting point, so most people aren't going to be qualified for them. But
you do have the uncaptain Now Rail, do you Rail? Do you have
any questions for Jeremy directly just about the loss assessment cover general. I know
you can look at your ho's master policy and then I'll have an amount that
they're covered for, Like, how do I know if I look at it?
You know their master policy says three hundred thousand. Do I say,
oh, my gosh, that's way too low, or that, oh that's
good enough. I guess how would you do it in a condo association or
town home? Is that expensive coverage to begin with? Let's let's start their
Jeremy, It's not no. And so that's the thing I mean going.
Let's say you have twenty five thousand and you bumped it up to fifty.
That might cost you twenty bucks a year. And so what you want to
look at. You want to look at the Howay's policies deductible and you want
to divide that by the number of units that are going to share in that
deductible and that will give you a pretty good idea of what your assessment's going
to be. The problem is they're changing those all the time. So if
you look at something and you go, okay, it's it, not you
know your share is going to be nine thousand based off that map, you
got to really pay attention that they don't double that deductible and all of a
sudden, now your shares eighteen thousand, So that's when you want to get
you I'll fit twenty five at least twenty five thousand coverage, if not fifty,
because it's so cheap to add it on there. And can you get
unlimited? That is not an option to get unlimited for long? Can you
get can you get one hundred thousand? Because we've had I think go ahead.
The highest we have is sixty company offers sixty. Okay, because we've
seen Jeremy, some of these search charges going to a or these assessments going
to one hundred grand. Oh yeah. I mean, if you know they
have a high enough deductible and there's not a lot of unit owners sharing in
that, you certainly can see it go higher. Who's a good company for
condo and town home stuff? Acuity who I previously mentioned. I mean,
their rates are almost always competitive, and just how they do their condos or
you know most of our companies are too. I mean condos they've gone up
in price, like everything else. They don't seem to vary too much in
rate from one company to another. So it gets to be more where coverage
can matter more, and that's probably the policy. We seem more than any
other where people don't have enough dwelling coverage because I think there's just a false
assumption that oh, the HOA has coverage. And I mean we see agents
you know, that are writing these policies and they're not understanding the true costs.
Go back to what we were talking about before, the true cost to
rebuild the interior of the unit. And what makes these more risky are you
can't build the interior till the outside is built. So when you're talking how
long is it going to be before you get rebuilt, that whole exterior has
to be done before you could even get started. So plan on a pretty
good amount of time time between when you set this up and when you're actually
gonna need it, and you need to anticipate cost increase between that time.
Raul any other questions, Uh No, I think that answered that pretty well.
You should call Compass, by the way, I'm serious, I don't
know who you have right Who do you have right now? I actually have
used Compass several times the past. They've really done good for me. I'm
actually currently with another one of your brokers on your list who's okay for me?
Okay, no problem, Like I said, all the proof is in
the pudd and that's what matters. Jeremy. Another quick thank you very much.
Another quick question, Jeremy on sure on insurance the trend to selfish,
not self insure. But hoa's are not covering roof? What happens? Then
if you own a condo, what what happens? I mean, what do
you do? You just need to make sure that your HO six policy is
set up to cover everything the HOA doesn't. Okay, there there could be
policies that limit truly to the interior, which is even I just said it
by some hoas. And what you want to make sure you have is that
an HOA policy is going to cover the gap of what the exterior HOA policy
doesn't. So if they don't cover roof, that's fine. You just want
to make sure that your HOA policy will And then if they don't, you
want to make sure you just have that extra coverage to account for that.
Then we have the situation where this one I think is Valencia. I'm not
sure, but these condos are involved. The HOA is suing the insurance,
the insurance is suing. I mean, I mean it's a mess, and
so no one can move back in. They haven't done anything. There's asbestos
in there, and these people have been out of their place going on two
years and we don't know. They can't even start. They got paid for
personal property, but that's it. So what happens to does the insurance keep
paying for temporary living for how long? Uh? Dope? It depends on
the policy. So, like I said before, with acuity, they have
unlimited loss of use, so as long as they can't rebuild, a policy
with unlimited loss of use would keep paying. But almost every company is going
to either have a time limit, you know, twelve months, twenty four
months, or they're going to have a dollar amount. And that's what makes
these policies so risky and the details matter so much, is because you're so
out of control to just get your interior built, so much else has to
happen before you can actually get started that you'll have no control over. Okay,
Jeremy, thank you the Insurance Healthcenter dot com or Compass Insurance Group.
And it's three h three nine ninety six nine thousand more coming up. Go
with a sure thing Denver's Best Roofer excel rooping dot com. You don't pay
a cent until you're content. Time for an insurance check up free no obligation
comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies
find out now three oh three seven seven to one help. You'll think you're
his only customer when you choose Frank durand the real estate Man dot com to
list your home with Remax Alliance three oh three nine two zero sixteen twenty two
times. Tom Martino here three oh three seven one three talks seven one three
eight two five five. Stuart, you have a question about selling a car?
Go ahead, Stewart. What's your question? And by the way,
we have open lines. I want to also remind you if you ever have
a problem, and it's not between the hours of ten am to two pm
Mountain time, you can always call three oh three Martino at any time,
leave a message and we will get back to you. Hey, Stuart,
what's going on? Well, I'm an eighty eight year old man who is
having to give up driving my car. Why is that Stewart, who lives
with me, is going to sell it? And I haven't sold a car
in probably forty years, so I need some pointers and what to watch out
for and privately dealing with somebody will come over and look at my eighty seven
Volvo is what it is, but it really doesn't matter what my car is.
I'm going wait, wait, wait, did you just say an eighty
seven and eight seven nineteen eighty seven? Yeah, Volvo Sedan seven forty how
many miles on? One hundred and thirty eight thousand miles? And my son
thinks that maybe we could get five thousand for it. But my concern is
is when people come over, if they do after on the craigs list,
he's what I think he's going to use on? What model Volvo? Is
that one? Take what model Volvo? Pardon model Volvo seven four zero old?
Okay? Yeah, EOE was a it's got a red block. They
call it engine. It was the suites call it a bulletproof bah. But
has it been good to you? Has it been good to you? Oh?
Yes, yes, As I say, I've only got one hundred and
thirty eight thousand miles on it. It's been garage most of the time.
And you know, I had I had one of those. They're beautiful,
they were. It was a beautiful car. I had one of those,
and I had I bought it new. I was the second owner. It
had twelve thousand on it when I bought it. I blought my new it
was maroon and I bought it in eighty two. I remember that god Vovo.
Well that's not where I did it. But in any case, so
anyway, you're gonna here's the problem with selling. And by the way,
they they will sell. They will sell for five grand easily if it's in
good condition. Well, I I'm not going to be greedy, but I
don't want to mess up a bill of sale. I don't know how to
do that. I don't know the Have you ever and I'm not asking you
to do it, but have you ever considered donating it? Yes? I
have, uh huh. I'm not a wealthy man that I donate other ways.
But no, no, no, I'm not trying to put you on
the spot. I'm not trying to put you on the spot. You can
do whatever you yeah, yeah, okay, So here's the deal. The
biggest problem you're going to have is the fraud because people are going to try
to scam and that I mean I would say you get more scam inquiries than
honest inquiries. Okay, yeah, my son is, and I would avoid
Facebook marketplace they have probably and Craigslist have the most scams. But I would
go to a place like cars dot Com or better yet, I would maybe
put it on well, I don't even know. I don't know if our
people will do consignment on one that old. I don't know if they will
or not. I have some consignment that fits. I think I picked up
on some of your previous shows. Okay, if you go to JFR Cars
and talk to Rodney, yeah, I think I have that on my notes.
He's the one that I mean. Then I wouldn't even mess with it.
Really, when you think about it, in today's world, it's damn
dangerous to do this. Well, I'm afraid if somebody wants to take it
for an inspection and I say, well, I want a credit card while
you're gone. No, no, they'll take hold on. If they want
to take it for an inspection, you have to take it there and stay
with it. I'm sorry, you can't let them take it test drive?
Oh my god, some test drives never you know, first of all,
they're not going to get arrested if you let someone take a test drive of
your car and they don't return it and they claim, and they claim you
let them have it for thirty days or whatever, whatever it is. It
takes it out of a crime and turns it into a civil case. And
it's kind of like having a squatter in your car. Oh yes, I'm
reading a lot about squatters. You know. It's a brave new world,
isn't it. You're eighty eight. I don't know how you're how you're adjusting
to these times, but not very well at times. Personally. I have
a good, good son who lives with me and he's my caretaker. How
old is your son? He's fifty one years old. Okay, I have
a question. Do you still have the title? Do you know where that
is? It's right here in my hand. Okay, I just just checking
because you know, Tom, if it's not eighty seven, it might have
been misplaced. Okay, now listen, Stewart. I think I would do
a consignment. I don't feel comfortable now. Your son, if he's with
it, he can try to sell it. But if you do, and
this is okay, here's what you do. Never here are some nevers.
Okay. Never take a check ever, not even a cashier's check. Okay.
Never. Now, if the cashiers check is drawn on a local bank,
you can take it if you can go to that guy's bank, not
yours, that guy's bank and turn it into a cashier's check to you a
bank check. So in other words, accompany him to the bank, to
his bank, you go to his bank where the cashier's check is drawn,
or you go to his bank and have them make a check to you right
in front of you. Either one, and then you can take that check.
If it's a bank check. Do not take a certified check, and
it's called the cashier's check. A cashier's check is theoretically paid for at the
time it's issued, but it's but they can be forged. So you take
a cashier check only that you see them make out to this guy right in
front of you. The other one is is that you can do is a
wire transfer. And if you do anything like direct ach to your account,
here's another thing. You have to set up an account just for that ACCH.
You cannot have an ACCH into your regular account because once they have your
account number and routing number. And people defy me all the time, but
it's true, they can simply steal your money. There are no checks or
balances none zero zero none. So an ACCH is okay, But you set
up an account just for that ach and then close it down so and by
way. But oh, but you have to set it up somewhere where you
don't have another account, because if you set it up where you have another
account and you shut it down and they go in to take money out of
it, they're going to go to your other account automatically under what's called a
cross collateralization agreement. I'm speaking truth to you, Stuart. It's a brave
new world. So I was gonna use that anyway. Here you got you're
already you. You are highly recommending consignment apps with JFR cars not just any
consignment more coming up. Go with a sure thing Denver's Best roofer Excel Roofing
dot com. You don't pay a cent until you're content. Time for an
insurance check up free no obligation comparison call compass insurance paying too much your coverage
at dozens of insurance companies find out now three oh three, seven seven and
one help. You'll think you're his only customer when you choose Frank durand the
real estate Man dot com to list your home with Remax Alliance three oh three
nine two zero sixteen twenty two. Hello, I'm Tom Martino, your troubleshooter
three three seven one three talks seven one three eight two five five. We're
running out of time this hour. I have another hour Togo. I urge
you to call. And I do have some question for Paul on some water
systems, but in general, on the health we talked about. We want
to touch on Paul. There are actually people you're saying that track now nanoplastics
in people coming from water? Is that the main place plastics are coming from?
Right? Absolutely correct? And then I've read one article that was a
study done in Europe where they're concerned about it being airborne. What us.
You know, it's incredible. What's going on. We're gonna talk about this
more coming up plus your calls. Three oh three Martino, Go with a
sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent
until you're content. Time for an insurance check up free, no obligation.
In comparison, call Compass Insurance. Pay too much your coverage at dozens of
insurance companies find out now three oh three seven seven to one help. You'll
think you're his only customer when you choose Frank durand the real estate man dot
Com to list your home with Remax Alliance three oh three nine two zero sixteen
twenty two rift. You need that so you don't have runious as fast as
we can shoot, it's gonna help. Come Dix is the Trouble Shooter Show.
No Tom Martino Time Tom Martino Your trouble Shooter three oh three seven one
three Talk three oh three seven one three eight two five five. Welcome to
the Only Show if it's kind of anywhere in the universe where we are solving
your problems, answer your questions, taking your complaints, making your life a
little easier. And today I wanted to talk a little bit about microplastics or
nano plastics. I guess nano is the smallest of particles. See. I
don't want to sound like a crazy person, but plastics are one of the
biggest problems we have right now in the environment because they don't go away now
they break down. There are new plastics, of course that break down,
but I'm talking about normal let's say normal plastics. Normal plastics from petroleum based
products, bottles, containers, They only disintegrate to a certain extent and then
become nanoparticles. These nanoparticles leach their ways into your water, into the environment,
into our systems, and they actually have been measured. Paul the waterman
at waterpos dot net has really become interested in this. Of course, he
alerted me years ago to forever chemicals which are pfas and pfas have poisonous properties,
of course, and so do other contaminants in water. You can filter
those, and right now you can filter nanoplastics to some degree. But it's
in everything, in meat and food restaurants. So, Paul, are you
just saying just give up? I mean, when you talk about nanoplastics even
possibly being airborne, talk about some of the research you've been reading about.
Because this is chilling, it's pretty scary. And so I'm learning that,
for example, you can either google this or go on bing typing microplastics in
our body. You'll see the stories that I'm talking about. Now, is
it micro nano? What's the proper term, Well, it's microplastics. And
then now they're talking about nanoplastics thanks to bottle water contamination and the nanoplastics found
in the three major brands a bottle of water. And so what's happening is
is that you know, it's becoming apparent that these contaminants are you know,
penetrating the human body. They're they're talking I've read stories where this this could
contribute to heart disease. So we're are we talking about the chemical part of
the plastic or the mechanical plastic itself. The plastic plastic just as a as
a as a mechanical thing, right, it's a physical thing, right,
and it gets smaller than you know, assessme seed and these these these plastics
you know, are building up in our body. Nine News last week because
I think you go on their website and I sent you the video. Nine
News did a story with a local cardiologist talking about it, and it's something
I think that we need to investigate more where you know, this is more
important in my opinion than any you know, global warming issue because water is
life and you know, the theory is that these plastics can get into our
vegetables that you know, the gardens we're going to be growing this yere based
upon the contamination in the water. Now, microplastics have been detected in tapwater,
bottled water, seafood and salt. So as you absorb these things,
here's the thing, unless they attached to something else, they literally become part
of your system. Also, they do say that particles are present in the
air, especially in urban environments. They can be inhaled comes from textiles,
dust city dust are a significant part of these. Also, skin contact,
though less common, it can penetrate the skin in certain cosmetic products. So
on the outside of the body, microplastics can accumulate because they are not bio
degradable. Now, now, by the way, this is research from the
internet. I'm doing on several sites, health sites and all of that,
and then it says here, once inside the body, they accumulate. The
health effects of long term accumulation are now under investigation. But there's concern that
first of all, they can cause inflammation, an immune response. And now
what that means is your body is sensing something inside it and it's sensing it's
a foreign object. Therefore or it sends healing agents to deal with it,
which causes inflammation. Inflammation is a body's natural response to healing. But then
it's supposed to go away once you're healed. The problem is it continues to
be inflamed because it continually senses this doom. Now, So really, when
you think about it and the ubiquity of plastics in the environment, it's probably
one of the most significant health challenges we have today. I totally agree,
it's all over, it's every aspect. I even did a study or red
a study that they found these microplastics in beer. Well, no doubt,
why would it be. I mean, if you think about how much it
is. Absolutely so, this is something that I think we really need to
you know, I'm all for it. When the first, you know,
when they started banning plastic bags before the story broke with grocery stores, I
thought this was silly. But now I think plastics, we just need to
get rid of it, and we truly do. Yeah, but but do
you really what you mean? Okay, even if if we could magically get
rid of every type of plastic today being made, how much is still in
the environment that will remain? All of it? All of it? Because
and not only that, but look at there's countries right now that use the
ocean as a landfill, so they're dumping that, They're continually to dump this
stuff, and then it's contaminating the low our oceans, and then when plastics
break apart, they don't dissolve and go away. That's the problem creole three
seven one three talk seven one three eight two five five. So it's not
just in water that we're concerned about. It's in everything. And they attribute
it to bottled water and other plastics. I mean, but there are plastics
in literally everything. So now that we've talked about that, at least what
you can do is try to at least not ingest anymore or ingest as little
as possible. So how do you do that? I think what we need
to do is go back to you know, glass bottles. Glass bottles seem
to be easier to recycle. We went to back in the day in the
forties there were cardboard straws that seemed to work really well. So we need
to really think this through and go back to when when when you were a
kid and I was a kid, they had cardboard containers and everything he had
metal containers. You know, metal will break down and rust and deteriorate before
plastic will. So you know, even back in the day, you know,
everything your flour, your sugar, your cracker, your crackers came into
metal container and then everything else was delivered in glass. Wow, I'm I'm
I'm researching. Are there ways to flush microplastics from your body? I wonder,
I wonder if there I'm sure there's a lot of Uh, there's a
there's a there's a theory. There's a I forget the name of it,
but it's like a cloth that you run your blood through like a filter,
and the theory is that that cloth, that cloth will accumulate and capture the
plastic. But it's a sole process. It says, okay, there there
have not been any So according to the FDA, there's there's no there.
There isn't anything right now. No, not right now. But they're they're
they're they're in Europe. They're trying to say one of the biggest things is
water filtration, because that's they say, water filtration is the number one way
it gets into your body. Number two are food choices. So food choices,
seafood unfortunate. I mean, how do you test there's no test for
microplastics. No, there's no test. It's it's what what they're testing.
What they're finding is is that this news article is in the Guardian, is
that every single placenta they tested was contaminated with plastics and then they went to
arteries and these were done with cadavers with people that donated their body to science.
Well, this is frightening three all three seven one three talk seven one
three eight two five five. Do you have a problem, question or complain,
Give us a call. There's a lot going on. And I also
want to ask you if you found out about that AT and T data breach,
A giant data breach, so everyone, I think this should not be
optional. I believe everyone should have a credit freeze. It's not just if
you suspect something. You should have a credit freeze, meaning you have to
have a pin. You go online and enter your pin to unlock it and
then lock it, unlock it, and lock it so when you go to
apply for something, you unlock it. Then when you're done, you lock
it so no one can get credit history on you. And that'll shut down
ninety eight percent of all new accounts because you are locking it. And that
is one of the safest things you can do. But this data breach was
announced Saturday. They said millions of consumers data past, present, past and
present, not just current ones. They say the pass codes and everything they're
talking about even a former account holder. I'm a former account holder. Sixty
five million former account holders were hacked as well, So you need to make
sure. Now, you might say, so, what's the big deal,
Well, the big deal it's not a big deal as far as AT and
T goes. They can easily shut that down knowing there was a breach and
examine those accounts. But if they get your information, many times when we
apply for AT and T or any kind of any kind of business, a
phone, a phone bill, an account, we're putting in our name,
our address, our social all of our information. And that's enough for people
to establish fake identities. And that's where the danger is. They're not necessarily
who cares if they hack into your AT and T right now? What really
matters is what they do with the other information. So we're going to talk
about that and more. Give us a call three oh three seven one three
talk three oh three seven one three eight two five five Go with a sure
thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until
you're content. Time for an insurance check up free, no obligation. In
comparison, call Compass insurance too much your coverage at dozens of insurance companies.
Find out now three all three seven to seven to one help. You'll think
you're his only customer when you choose Frank durand the real estate man dot com
to list your home with Remax Alliance three all three nine two zero sixteen twenty
two. Hi Tom Martino here three oh three seven to one three talk three
oh three seven one three eight two five five. So return policies have changed,
by the way, for a lot of companies. They used to be
so liberal with their policies, but they're tightening up a bit. Amazon,
by the way, has instituted new ones. Some returns have restocking fees.
Now, now, now that's not such a big I love Amazon, I
really do. I mean, I have to admit I almost hate that.
I love them, but they have everything they have overnight. I mean I
almost never wait for anything, so I don't care about a small restocking charge.
Some locations have dollar drop offs, so you may have to pay a
dollar drop off instead of restocking fee so for each item. Then also best
Buy, they have reduced their returns. First of all, there are some
restocking fees. Then Costco has a ninety day return policy for TVs, computers,
cameras, smart watches, MP three players, in other words, technology,
monitors, appliances. That's costco now has ninety days. It used to
be unlimited home depot ninety days. On other things two to thirty days,
so some things have only forty eight hours depending on what you buy Cohle's listen
to this on premium electronics, one hundred and eighty day deadline for most a
ninety day at Macy's. Macy's is kind of going away. Who cares about
Marshalls, and then that's about it. Ninety days for Target, ninety days
for Walmart. But major appliances only two days. Listen to that. Thirty
days for most electronics, fourteen days for cell phones, and then ninety days
for everything else. So here's here's the point. Be careful and be aware
of return policies so you know them before you buy. Berlin. What's going
on with you? Hi? I'm Tom Martinez. What's going on Berlin?
Berlin? Yes, sir? What's happening? Yes, sir? So I
remember I was actually employed with Denver Parks and Recreation as a youth sports close
and I have been in that position for four years thus recently, I had
an ultericate. Well, I didn't even have an altercation. It was just
the issue that had occurred at the gym during one of our playoff games.
What happened? What happened? So, my team is a minority team and
the other team that we were playing, they were all white. And the
team that the game had kind of got a little head. Did I see?
The game had got a little heated on while they were playing. We
had got a chick and the other team started winning while that team started talking
stuff to our girls and calling them monkeys, beanners, black monkeys. Wait
a minute, Berlin, was the other team all white? In your team
all black? Our team was black and Mexicans. And and they were all
these girls. Are these girls teams? Yes they are. They're nine and
ten. Okay, now are you are? You're not exaggerating, right?
Were they really calling out names like that? Yes? And it was so
you know, they got separate stands, so one, you know, their
parents on one stand, our parents on the others. Our parents were sitting
there witness it was it was, it was so crazy. So our parents
were witnessing everything that was going on on the bench. They were when when
was this game was about two three, about three weeks ago. Yeah,
because I actually just got the call. Actually, so this game got heated.
The game got heated and against an all white team, correct, and
they started calling racial names at the girls, disgusting names. Correct. Yep.
Now is your youth basketball team just happened to be black and hispanic.
But they don't prohit, I mean they don't. In other words, a
white girls could play there they wanted, right, correct, yes, correct,
it just happens to be mostly black and Hispanic girls. Correct. Yes,
Okay, So then when when this game got heated and those names started,
what happened then? So actually nothing was a dressed during the game,
even with the parents being loud in our rate, nothing was addressed with that
team at all. So once the team ended, the game ended, you
know, we lost, the other team won. We went to go shake
hands with the other team, you know, lineup, everybody passed each other
shake hands. The girls didn't want to shake their hands, like they just
kind of put their hand out like whatever. So you know our team,
you know, I still tell the girls, you know, I carry yourself
accordingly, don't worry about it. The game is over with. Let's go.
So we we went to go leave, walk out to go up through
the lobby. While we were walking through the lobby, the same little girls
that were calling names were calling the girls tracks and leaners again. And this
was actually in the lobby in front of the lobby worker and one of the
directors, which who was in the gym when all of this was going down,
never said anything. Never, never said anything to the parents. So
did a did a fight breakout or anything? No, no fight, not
yet. So in the hallway, everybody just started exchanging a word. They
were, you know, wire your kids the names d d well. I
walked outside where the rest of the girls were my team, and then a
couple of the other moms and the mom of one of the daughters who was
calling the girls black monkeys and dinners happened to be out there. So I
went outside and I said, hey, I'm one of the coaches. I
was like, hey, you know, I speak with you for a second.
And I pulled her to the side and I was just like, hey,
I'm not too sure what's going on. And she was like, you
know what, She's like, your girls called my daughter a bee. And
that's why it went the way that it did, and I was like,
okay, well, you know, let's let's just apologize, you know,
let's have the girls, both teams apologize, and then you know, we
can just move accordingly. Well, she didn't want that. She said,
no, Now, this woman you were talking to was just one Was it
just one of the parents or was it a coach? So no, it
was a parent. It was a parent to one of the little girls.
So keep going the girls. So you said, hey, why don't we
just try to end this, let's try to apologize, and she said no.
Yeah, I think she said no. So her daughter, the one
that was initially calling them name, stuck her tongue out and started like hell
because her mom says, she wasn't gonna apologize. She wasn't gonna make her
apologize. So, you know, I said, well, you know,
this is what's going on in the world. I said, you know this,
this is taught at home. You know, you're not telling your daughter
the correct things. Said do works right, I said, you're allowing her
to sit here and call these girls names and the girls. Now, meanwhile,
were there other adults around, Oh yeah, oh yeah, there was
every our team with all of their parents. And then their team with all
of their parents. Everybody was so it was it was a mess. It
was lucky, no, but nobody got handy, right, not yet,
So we keep going down. We walked into her walking down me and the
mom of the little girl that was calling him and done to that. Look
just look okay. We're walking down the sidewalks and the mom's talking stuff,
and so I'm talking stuff and I'm telling I'm like, you know, this
is this is BS. You know, you're letting your daughter call people's names,
Braylyn, come letting let the girls, you know, call them names
and stuff and you're not going to address or anything. And then I told
her she was racist, and she turned around because she was walking in front
of me, So she turned around. I know, Braylyn. She turned
around and she came back to me and she put her finger in my face
and like you know what she was SMB. If you guys didn't act like
I said, monkeys, we wouldn't have to address that such wow, holy
crap. Actually she put her hand in my face. So I slapped her
hand out of my face because I didn't know what she was gonna do.
I didn't know if she's going to hit me. I didn't know. I
didn't know. I didn't know what she was doing. So I didn't leave
and moved her hand from my face, and I told her that she had
lost hers in mind. And so at this point she talks on the phone
and she was like, I'm calling the police. I feel straight and I
feel harm. She's like, okay, you're gonna You're gonna beat me up.
It was just started making all kinds of Sumplin Berlin. When she put
her finger in your face, did she touch you? No? She well,
she was right in front of my nose. I know what you mean.
I know. And and then you just like slapped her hand out of
the way. Yes, yes, I just look out the way, you
know, I thought her. I said, you don't took this so far
I was trying for So then did she call the police? Yes, she
did? All right, hold on, Berlin, I want to hear.
I got to hear where this ended. This sounds terrible, And of course
we're only getting your side, but even hearing your side, even if you
were yelling back, okay, what's the big deal? Everyone was yelling.
We got we'll talk about this and more coming up on the troubleshooter show go
with a sure Thing Denver's Best Rufer Excel Roofing. You don't pay a cent
until you're content. Time for an insurance check up free no obligation comparison call
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three oh three seven seven to one help. You'll think you're his only customer
when you choose Frank durand the real estate man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom
Martine here three oh three seven one three tog three O three seven one three
eight two five five. So. Then Berlin says she coaches a or she
coached a youth basketball team girls Hispanic and black. During a game with an
all white team, it got heated. They were calling them disgusting names.
Then afterwards it got heated with parents and kids all yelling at each other.
She starts, uh, she starts walking away. Another woman put a finger
in her face. She knocked a finger out of her face, Keep going
what happened? Then she actually gets behind my car and she tells them,
says I'll call the police and that I better not leave. I left.
Anyways, I left, and she did call the police. They went up
to the rec center in which they took her statement and they, uh,
what did they do? They dealt with my employer, which I had a
game that next day. That was on a Friday night. I had a
game that Saturday morning. Who to your employer that that? Did that woman
call your employer the lady, Were you charged? Were you charged with anything?
No? At the moment, no, I'm still dealing with the police
and with the people from the well actually I'm not even dealing with them no
more, because they called me the day that I sent you a message and
told me that they terminated me. So wait wait wait, wait wait,
I don't know hold on, So they reported you, the woman reported you,
and you were fired. Yeah, I was. I actually reported back
as Saturday morning because I had my boys playoff game. Remind you, I
coached four teams from the for the Denver part. Okay, they didn't even
bother asking you your side of the story. No, next thing, they
didn't ask me anything, so exhibits. So the next day when I went
back, they told me that I was not allowed on the premise that I
was deemed unsafe around the youth and parents and that I needed to get off
of the property, or that they were going to call it. Were there
any were there any parents on your side that stuck up for you? Oh?
Yeah, Actually all of the parents that were on my team, all
the parents that were on my team where they're and senior, and they they
all said it was it was just terrible how they handled everything so much.
They still they went and wrote, they went and wrote statements. A couple
of parents. I have a couple of parents statements as well. One of
the moms actually called me the day I got terminated and she told me she
was still waiting to hear back from the directors. And they've never called her
back either. Wow, that is unbelievable. Yeah, did they do an
investigation like you're employer, maybe youry No, they didn't do anything. They
didn't interview none of my parents, They didn't ask none of my parents for
their statements, nothing, nothing. You think they went on that one woman's
word only? So yes, yes, yes, sir, I believe.
So. When I went in there that day, I had asked him,
I said, what's going on? I actually was talking to the director and
he said, oh, you're here soon. Here was like, I didn't
think that I was gonna see you until after my investigation, which was in
seven days. And I said in seven days. I said, so you
were gonna call me in seven days after your investigation to find out what?
Well? Okay? So bottom line, did they investigate? From what they
said? Yes, And it was just from what they've seen on the video.
And they said, is this the first time? Is this the first
time anything like this ever happened? Ever? Ever? In my four years
of coaching. I mean, I've had little incidents. Have you ever had
any issues with police ever? No? No, I have not ever ever?
Will they even consider giving your job back? No? Because he said
that I am deemed I am deemed unsafe to use and parents and so for
if you say the incident or something that I just I can't coach there ever
again God, And he said that what I have went in there and came
and told on it first, like I was the one that was scared and
terrified, then the tables would have been turned. But because she went in
and played victim, she pretty much just got her way. Yeah, But
I just don't understand how that can happen where where one person can make that
difference without any evidence, there must have been corroborating. You know what I
want to I actually do want to find out if if anybody else, you
know, like, was there just one person that accused you. This is
going to be difficult Berlin, because they're simply going to say you were out
of hand and they had. All they have to say is yes, we
talked to parents, and they don't have to keep you on. Were there
other coaches there or are you the only coach? No assistant coaches or anything?
Yep, there were three of them. They actually got statements from my
coach. It was all of us, all of us, my coaches.
Every coach was there, my coach. Okay, so what did your coach?
Did your coach yell back at them like you did? Oh? Yeah,
all three of us were the other one my other assistants. Why did
they single you out? Are you the only one that was fired? Yes,
sir, yes, sir, And the other coaches can still coach.
I'm actually supposed to have a season coming up right now for soccer. And
they said, do you have the name? Do you have a name and
number of a coach that we can check with as far as like on my
two people that you know, yes, oh, yes, yes, sir,
yes, most definitely. Hey, Deputy Doc, why don't we why
don't we call this not not the the league, but just one of the
coaches and say, look, off the record, we just want to know
does this have any legs or was it all you know, like it just
sounds too weird that on one person uh complaining and they but they said they
investigated. So if that give us the name of a coach that was there,
I we'd like to check with someone who was there to get their impression
of what happened. I think that would be the next thing to do.
Three oh three seven to one three talk seven one three eight two five five.
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three oh three seven seven to one help. You'll think you're his only customer
when you choose Frank Durand the real estate Man dot com to list your home
with Remax Alliance three oh three nine two zero sixteen twenty two. Paul the
Waterman, It's Waterpros dot net three oh three eight six two five five five
four. When he's not here, We've had a lot of information today.
He's a wealth of information. Three oh three eight six two five five five
four waterpros dot net. Hey, Sammy, what's your question on taxes?
All right, Tom, Sammy denk with tax notice? Can you hear me?
Yes? I ken you guys. Delinquent tax notice? Yes, from
twenty eighteen, okay, commercial mull commercial property that I owned, And they
said the renter with me forever ever one time, and they said I would
what kind of tax property? Tax? Property property? Yes, and I
haven't. Okay, I've been out since nineteen eighty five. I have no
property in there at all ever, never read anything that was the business.
And well, wait a minute, why are you getting a property notice from
twenty eighteen if you didn't own it since two thousand and five? Well,
I don't know. I you know, I went up and talked about so
they've never changed it on the tax. What did you own in that area?
I want to us a smoke car lone and I've rented it out in
a twenty shit, I probably rented it out and twenty five years ago.
It's been rented out for twenty five years. Yeah, but do you still
own it the property? I owned the property, yes, Because so I
got two different answers. One guy told me that I was still responsible for
the property tax or the personal property tax if I owned the property, even
if the guy that I rented it to moved to New Mexico retired nine years
eight years ago. Well, hold on a second, did this when you
say personal property tax, elaborate for me? How a little on that?
What do you mean? What do you mean personal property tax? Your computer,
your water fountain, your chairs? Okay, hold on, did you
own that stuff or did he own it? He owned it? I didn't
know. I've been collecting rent for twenty plus years. No, I understand
that you were collecting rent. He had a business. Do you know if
he filed personal property tax on the business in previous years? Why? He
must have, because I you know, I got this. This is the
first one I've ever got. I've owned to property. Okay, Sammy,
Sammy, when did he leave? Uh? He left early twenty eighteen,
like March. Okay, we're gonna I'll tell you what we're gonna do.
We're going to get an expert on for you tomorrow to answer this. Hold
on, I'm Tom Martino. Don't forget waterpros dot net three oh three eight
six two five five five four and of course three oh three Martino for help,