WEBVTT 1 00:00:00.680 --> 00:00:14.279 Yea ripped dum news need advice so you don't have come running. Just as 2 00:00:14.320 --> 00:00:21.879 fas as we can, Shooter's gonna help come. Man Dix is the Troubleshooter 3 00:00:22.000 --> 00:00:26.920 Show. No Tom Martino, Hi, Tom Martino here, Welcome to the 4 00:00:26.960 --> 00:00:32.000 show. Three oh three seven one three talk three oh three seven one three 5 00:00:32.079 --> 00:00:38.799 eight two five five. Well, let's start off this week of spring and 6 00:00:39.000 --> 00:00:44.119 uh beauty in the Mile High City and around the country of course from wherever 7 00:00:44.200 --> 00:00:48.600 where you're listening, and we will take your problems, questions and complaints. 8 00:00:49.399 --> 00:00:52.119 You'll see in my wifest here. I have Paul the Waterman with us. 9 00:00:52.119 --> 00:00:55.719 We're talking about water. It's one of my favorite topics. And I'll tell 10 00:00:55.719 --> 00:00:59.799 you why. Uh It's amazing to me how many people you know, the 11 00:01:00.159 --> 00:01:04.239 all they can to keep healthy. I do. I have Grossmanwellness dot Com. 12 00:01:04.359 --> 00:01:07.519 Truly. I go there and they do blood work every three months, 13 00:01:07.799 --> 00:01:14.040 and then they also give the SUPs and all the you know, prescription drugs. 14 00:01:12.879 --> 00:01:15.920 It's a concierge program. It's a wonderful thing for a few hundred bucks 15 00:01:15.920 --> 00:01:21.280 a month. Anyway, I digress the reason I'm bringing this up. We 16 00:01:21.359 --> 00:01:26.959 talk about everything food, supplements, but not water. What's amazing to me 17 00:01:26.079 --> 00:01:30.599 is waterflies under the radar. If you're doing everything else but drinking tap water 18 00:01:30.799 --> 00:01:37.480 or not enough water or whatever, you're doing yourself a disservice. So water 19 00:01:37.560 --> 00:01:41.760 is really important that you have the right stuff. It really is. Paul 20 00:01:41.920 --> 00:01:44.239 just told me. Going into the show, and then I'm going to take 21 00:01:44.280 --> 00:01:46.920 your calls. Gary wants to talk about an issue with an online auction, 22 00:01:47.000 --> 00:01:51.359 Nicholas wants to talk about welding, and whatever you want to talk about. 23 00:01:51.359 --> 00:01:53.400 Give us a call at three oh three seven one three talk seven one three 24 00:01:55.000 --> 00:02:00.760 eight two five five. Hey Tom you yes, we need to be today's 25 00:02:00.760 --> 00:02:05.200 April Fool's Day, so make sure you have your cynical hat on if we 26 00:02:05.200 --> 00:02:07.759 get any crazy calls. And I wouldn't mind if we did, because if 27 00:02:07.800 --> 00:02:12.840 we did, it would be my job to decipher them and that would be 28 00:02:12.919 --> 00:02:16.080 fun. By the way, but I'm going to say something now so my 29 00:02:16.199 --> 00:02:20.280 listeners can be rest assured, and I mean this, I am not going 30 00:02:20.400 --> 00:02:23.719 to do an April Fool's joke on them, but I may ask you to 31 00:02:23.759 --> 00:02:28.199 do something for someone else on someone else. But in any case, Paul 32 00:02:28.479 --> 00:02:30.319 the water Man is with us and he said, water is not safe to 33 00:02:30.360 --> 00:02:32.560 drink anymore. Now what do you mean by that, Paul? I mean, 34 00:02:32.599 --> 00:02:36.319 are we exaggerating a little here, Sir No, I don't think so. 35 00:02:36.400 --> 00:02:40.039 With the with the with the nanoplastic problem that we have, the articles 36 00:02:40.039 --> 00:02:46.080 that I read online this last week regarding nanoplastics being found in the human body, 37 00:02:46.280 --> 00:02:51.879 placentas, arteries penetrating into a sunboard, children, the p files problem 38 00:02:51.879 --> 00:02:55.599 that we had starting chemical grabber chemicals plus hormones, plus hormones description drugs, 39 00:02:55.639 --> 00:02:59.960 antibiotics that are in the water. Do you realize that when the P file 40 00:03:00.199 --> 00:03:02.599 started last year there were four chemicals that were in the made up to pi 41 00:03:02.680 --> 00:03:07.840 fos family. Now they added another one hundred and eighty nine. So why 42 00:03:07.840 --> 00:03:09.439 do I talk about this? I talk about it because I know people care 43 00:03:09.479 --> 00:03:15.400 about their health. So here's what I'm saying. If you care about your 44 00:03:15.439 --> 00:03:17.039 health, then you're do in the organic food and supplements and stuff. You 45 00:03:17.080 --> 00:03:23.479 got to think about water, that's all. And like, so does a 46 00:03:23.520 --> 00:03:30.680 triple filter reverse osmosis truly remove all of that nanofiltration? Absolutely? And now 47 00:03:30.759 --> 00:03:37.039 here's my cos is is that triple filter reverse osmosis that I have nanofiltration. 48 00:03:37.159 --> 00:03:42.759 Yes, it's zero point zero zero good one. Micron's absolutely correct. But 49 00:03:42.919 --> 00:03:47.560 my concern is over a period of time, plastics don't disappear. They don't, 50 00:03:47.800 --> 00:03:52.520 you know, they get smaller and smaller and smaller, and so that 51 00:03:52.680 --> 00:03:55.120 is my concern. If we don't address this problem now, I'd like to 52 00:03:55.159 --> 00:04:00.439 see us stop, you know, using plastics, recycle more, because what's 53 00:04:00.520 --> 00:04:05.520 clearly plastics. Stop using plastics for what? Well, stop using plastic bottles? 54 00:04:06.599 --> 00:04:11.080 Okay, ever, consumer, when you and I were younger, everything 55 00:04:11.159 --> 00:04:14.719 was in a glass bottle where we recycled glass. Remember taking in, turning 56 00:04:14.759 --> 00:04:17.240 the glass bottles in for money? Right? Right? I mean what would 57 00:04:17.319 --> 00:04:21.120 you talk about, you know, the environment? Yeah? Three oh three 58 00:04:21.240 --> 00:04:26.680 seven one three talk seven one three eight two five five Okay, time to 59 00:04:26.839 --> 00:04:32.639 talk to uh Gary? So Gary, what's going on with you? Gary? 60 00:04:32.720 --> 00:04:36.680 Welcome? Thank you. I wish this was an April Fool's joke. 61 00:04:36.759 --> 00:04:44.839 It's not the So recently I participated in an online auction with one of those 62 00:04:44.879 --> 00:04:49.120 big like three auction houses, the ones that just tell me what it is? 63 00:04:49.480 --> 00:04:55.199 What's them? Which one Julian's Julian's auctions? I never heard of it? 64 00:04:55.399 --> 00:04:58.600 Okay, they do a lot of the movie star stuff and rock star 65 00:04:58.680 --> 00:05:02.839 stuff. Okay, And what were you bidding on? I was bidding on 66 00:05:03.439 --> 00:05:15.040 some like memorabilia, personal memorabilia and for personal owned items items from a business. 67 00:05:15.240 --> 00:05:20.839 I'll tell you exactly what it is if it's airworthy. And I'm not 68 00:05:20.839 --> 00:05:25.240 a high dollar bidder at all. I have a personal budget. Was this 69 00:05:25.360 --> 00:05:29.800 memorabilia of someone that you admire? Yes? Absolutely, okay, got it? 70 00:05:30.319 --> 00:05:33.560 Yeah? And you know, to give you an idea my budget, 71 00:05:33.720 --> 00:05:36.879 it was two to three thousand dollars and I figured I could get one or 72 00:05:36.920 --> 00:05:42.439 two items for that. Plus they're handling fees and shipping, and so what's 73 00:05:42.480 --> 00:05:45.839 the problem, man, Well, here's the thing. I as three day 74 00:05:45.839 --> 00:05:49.399 ouption. I didn't participate the first day. I watched and participated all the 75 00:05:49.439 --> 00:05:54.000 second day and bid on two or three items. I was rapidly outbid, 76 00:05:54.079 --> 00:05:58.680 and I immediately stopped bidding when they crossed my threshold of living. So you 77 00:05:58.800 --> 00:06:01.160 took part in the second two days of the first two days, the second 78 00:06:01.240 --> 00:06:04.439 of three days, I took part in, and then the third day I 79 00:06:04.480 --> 00:06:10.319 took part in and I did win an item right in my budget, and 80 00:06:10.399 --> 00:06:14.319 I was extremely happy. I won that item. So I go and an 81 00:06:14.360 --> 00:06:17.959 auction still was still active. I went on just to I didn't see any 82 00:06:17.959 --> 00:06:23.920 invoices or notifications coming through that I won the item, because I'm signed in 83 00:06:23.959 --> 00:06:28.399 it to their website. I looked at there. It's called the items one 84 00:06:28.519 --> 00:06:31.199 tab. Yeah, and so there I opened it up. There's my item 85 00:06:31.279 --> 00:06:35.040 one. Great. But then next to that item is a twenty six thousand 86 00:06:35.079 --> 00:06:40.560 dollars painting that I did not bid on. I never even looked at it, 87 00:06:41.600 --> 00:06:44.720 and I'm like, what is it this? Wait? Wait? Wait 88 00:06:44.839 --> 00:06:47.160 was it in your cart so to speak? Yeah, it said I want 89 00:06:47.160 --> 00:06:50.279 it that I bid on it and won it. I outbid ten people apparently, 90 00:06:50.319 --> 00:06:54.839 and I never did you click it by a mistake? Absolutely not. 91 00:06:56.040 --> 00:06:59.920 I never even saw this item. I've never seen it until I saw an 92 00:07:00.120 --> 00:07:03.519 my items one tab. And so of course that number blew me away because 93 00:07:03.519 --> 00:07:09.040 the item I won was like fifteen hundred dollars something like that, and that's 94 00:07:09.040 --> 00:07:13.079 my budget, not twenty six thousand, and so of course I freaked out. 95 00:07:13.120 --> 00:07:16.199 So I immediately notified them during the auction on their on my logged in 96 00:07:16.279 --> 00:07:20.439 website. They have a text feature or something. Yeah, I not if 97 00:07:20.480 --> 00:07:25.240 I had them that way. I called them on the phone because they hadn't 98 00:07:25.240 --> 00:07:27.800 responded to me in about fifteen minutes on the text, Well, how do 99 00:07:27.920 --> 00:07:30.240 they get payment from you for this? They said that you want just how 100 00:07:30.319 --> 00:07:32.800 much? By the way, how much did you spend on this twenty six 101 00:07:32.879 --> 00:07:35.879 thousand dollars thing? Well, that's what I mean. I did not bid 102 00:07:35.920 --> 00:07:39.920 on that at all, I know. But how much did they say you 103 00:07:40.000 --> 00:07:42.639 bid? And how much are they? Sorry? Twenty? I think it 104 00:07:42.720 --> 00:07:46.040 was right at twenty thousand, and then at six thousand and fees? And 105 00:07:46.040 --> 00:07:48.680 and what about the one you did bid on? Did you get that one 106 00:07:48.680 --> 00:07:53.879 too? It said I won that, And that was the third day that 107 00:07:54.000 --> 00:07:56.680 said I won that. That's how I discovered this other item. Okay. 108 00:07:56.720 --> 00:07:59.680 So there's two items on your account, and one of them you did not 109 00:07:59.680 --> 00:08:03.160 bid on exactly, okay. And the one item I won was like sixteen 110 00:08:03.279 --> 00:08:11.399 hundred dollars and change six hundred dollars okay. And my credit the credit card 111 00:08:11.399 --> 00:08:15.560 I had on file with them, It doesn't even it doesn't go anywhere near 112 00:08:15.600 --> 00:08:16.680 the twenty you know. They're saying, yeah, but here's what I want 113 00:08:16.720 --> 00:08:20.120 to know. Did they attempt to charge the twenty grand, right, So 114 00:08:20.160 --> 00:08:26.000 then all of a sudden, and I hadn't received a voice shit or any 115 00:08:26.000 --> 00:08:28.680 of that, and all of a sudden, all these credit charges start going 116 00:08:28.720 --> 00:08:33.440 through my card. To worry, how many cut charges I got froud a 117 00:08:33.440 --> 00:08:37.320 werts from my credit card. They're like, hey, there's multiple multiply. 118 00:08:37.399 --> 00:08:41.799 Okay, well you can stop that, Gary, Let's go here first and 119 00:08:41.840 --> 00:08:46.279 foremost. Did you stop the charges immediately? And they told me to my 120 00:08:46.320 --> 00:08:50.039 credit card company said we're going to cancel the card immediately because you know this 121 00:08:50.200 --> 00:08:52.960 is but what about the two thousand that you want to spend? Well, 122 00:08:54.000 --> 00:08:58.000 the auction company, they're just saying. They finally replied to me and said, 123 00:08:58.039 --> 00:09:01.799 hey, you we checked into this and it shows you clicked on it. 124 00:09:01.879 --> 00:09:05.120 So you've got to pay for both lots at once, per the agreement 125 00:09:05.159 --> 00:09:11.480 that you know when you register to do business with them. And then they 126 00:09:11.519 --> 00:09:16.120 say congratulations, pay for your items, and I literally, you know I 127 00:09:16.120 --> 00:09:20.720 don't have twenty eight thousands, of course. Okay, So so where does 128 00:09:20.759 --> 00:09:24.399 this stand right now? Well, so I'm trying to figure out what's my 129 00:09:24.480 --> 00:09:28.600 best step next. I have not one of my fathers. I could physically 130 00:09:28.600 --> 00:09:31.320 call them. And discuss the dilemma and see if there's any way out of 131 00:09:31.320 --> 00:09:35.080 this. Well, there is something out of it. You don't have a 132 00:09:35.120 --> 00:09:37.759 contract, and you're done. They can never prove you did that if they 133 00:09:37.799 --> 00:09:41.600 ever tried to take you to court. You didn't do it, period, 134 00:09:41.519 --> 00:09:46.080 Okay, And I mean I don't Yeah, I mean what you do, 135 00:09:46.200 --> 00:09:48.759 Gary, Gary, you might be banned from that site with this email and 136 00:09:50.320 --> 00:09:52.600 log in. But here's all I'm saying. You did the right thing. 137 00:09:52.720 --> 00:09:58.559 You canceled your credit card. Make sure that when you can't do a credit 138 00:09:58.600 --> 00:10:01.120 card, by the way, that doesn't you need to know this. That 139 00:10:01.399 --> 00:10:07.159 doesn't always relieve you of obligation, right. What I mean is if you 140 00:10:07.279 --> 00:10:11.440 get another credit card, but it's the same account, if they can show 141 00:10:11.480 --> 00:10:15.879 a pre existing agreement, they can go to the new card. Did you 142 00:10:16.000 --> 00:10:18.720 know that? Oh no, I did not know that. No one knows 143 00:10:18.679 --> 00:10:22.679 that. No one knows that. But it's true. The same card, 144 00:10:24.799 --> 00:10:28.039 different number. I mean, it's just me, new number, same account. 145 00:10:28.399 --> 00:10:31.679 They can go to the new one if they do, if they insist. 146 00:10:33.240 --> 00:10:37.279 Here's what I want to tell you. What you ought to do is 147 00:10:37.440 --> 00:10:41.000 leave it alone and let them come after you. Your insistence will be you 148 00:10:41.080 --> 00:10:46.440 never did it period? Okay, Now is it possible Gary, come on, 149 00:10:46.519 --> 00:10:52.639 I'm going to ask you here, yes, is it possible that you 150 00:10:52.720 --> 00:10:56.840 did click on it by mistake? I understand that Tom and I can't emphasize 151 00:10:56.840 --> 00:11:01.559 this enough. I absolutely did click on it. I didn't get over zealous 152 00:11:01.639 --> 00:11:05.840 or excited. I didn't accidentally click us out. So now, but so, 153 00:11:07.039 --> 00:11:11.559 after you canceled your credit card, they said we want you're going to 154 00:11:11.600 --> 00:11:15.000 pay this right right? Well, after I canceled the credit card, they 155 00:11:15.080 --> 00:11:18.480 ran like seven different transactions. And are they coming after you? Still not 156 00:11:18.679 --> 00:11:22.759 yet. They just sent me an invoice saying, hey, this is what 157 00:11:22.840 --> 00:11:26.360 you owe you know. Okay. So there's been no demands and no nasty 158 00:11:26.399 --> 00:11:28.960 conversations, got it, Mike, Okay, keep in touch with us, 159 00:11:30.240 --> 00:11:35.120 Keep in touch with us. I don't see a prayer where these people are 160 00:11:35.200 --> 00:11:37.799 going to be able to collect this. By the way, earlier I had 161 00:11:37.840 --> 00:11:43.360 mentioned Grossman wellness, I should mention for two hundred and forty nine bucks. 162 00:11:43.399 --> 00:11:48.639 They'll do an introductory blood work, consultation, exam, all of that, 163 00:11:48.840 --> 00:11:50.679 just to see where you stand. I urge you to call them three oh 164 00:11:50.799 --> 00:11:56.639 three two three three forty two forty seven. It's where I go. I 165 00:11:56.759 --> 00:12:07.360 credit them for health and wellness Grossmanwellness dot go with a sure thing Denver's best 166 00:12:07.480 --> 00:12:11.519 roofer Excel Roofing dot com. You don't pay a cent until you're content. 167 00:12:13.879 --> 00:12:20.159 Time for an insurance checkup free, no obligation comparison call Compass Insurance paying too 168 00:12:20.240 --> 00:12:24.480 much your coverage at dozens of insurance companies find out now three all three seven 169 00:12:24.600 --> 00:12:28.039 seven to one. Help. You'll think you're his only customer when you choose 170 00:12:28.039 --> 00:12:31.480 Frank durand the real estate man dot com to list your home with Remax Alliance 171 00:12:31.720 --> 00:12:43.279 three all three nine two zero sixteen twenty two. Hi Tom Martino, you're 172 00:12:43.279 --> 00:12:48.360 a troubleshooter. Three O three seven one three talks seven one three eight two 173 00:12:48.480 --> 00:12:56.200 five five. Okay, So Nicholas wants to talk about welding work. He's 174 00:12:56.240 --> 00:13:01.200 looking for welding work. I believe, is that right? Snick, yes, 175 00:13:01.240 --> 00:13:05.600 sir, tell me about yourself. Now, this is where did you 176 00:13:05.720 --> 00:13:13.120 learn welding? So I learned welding back down in Publand and the Total Community 177 00:13:13.120 --> 00:13:18.200 College. I went there for about two years ago to learn to learn about 178 00:13:18.200 --> 00:13:24.399 MiG stick and all that stuff like that. Okay, and what kind of 179 00:13:24.720 --> 00:13:31.879 work are you looking for? Ornamental or industrial or what? So I was 180 00:13:31.879 --> 00:13:35.320 looking for anything right now because right now I I tried to apply for anything 181 00:13:35.360 --> 00:13:39.759 for welding. But right now I tried, I put applications in. Then 182 00:13:41.039 --> 00:13:43.799 I put applications and they call it so they need people more experienced. Stuff 183 00:13:43.840 --> 00:13:48.120 like that. How they get my foot in the door. You can't get 184 00:13:48.159 --> 00:13:54.159 your foot in the door. They don't even have apprenticeships. I try to 185 00:13:54.159 --> 00:13:56.200 put down for apprenticeships, but a lot of people trying to get into the 186 00:13:56.679 --> 00:14:01.480 same position as me. It's kind of hard to the fight over. Let 187 00:14:01.519 --> 00:14:05.960 me ask you something. When you went for your certification, did your instructors 188 00:14:07.000 --> 00:14:09.799 and stuff did they say you had a gift or you were good or you 189 00:14:09.879 --> 00:14:13.480 knew it or what? How did they rank you? So I wanted to 190 00:14:13.519 --> 00:14:18.519 go through my classes. I was in the top tier, like in my 191 00:14:18.559 --> 00:14:22.919 classes. But I was a top tier in all my classes still. But 192 00:14:22.080 --> 00:14:26.480 the heart, the hard part is getting your foot in the door. The 193 00:14:26.519 --> 00:14:30.159 first thing that I understand that Nick, have you ever had an interview? 194 00:14:30.240 --> 00:14:33.600 Have you ever gone as far as an interview? Yeah? I done an 195 00:14:33.639 --> 00:14:39.799 interview. I like interviews before and what what is? What do you think 196 00:14:39.799 --> 00:14:46.120 the stumbling block is for for me? Because I've done two interviews before in 197 00:14:46.200 --> 00:14:54.080 my past, say like quick Fabrication shop, but they told me to a 198 00:14:54.120 --> 00:14:56.159 lot of things that they did. They want people more experience because they don't 199 00:14:56.159 --> 00:15:00.879 want the slow down to help you help people and not not help me out 200 00:15:00.919 --> 00:15:03.759 like this slow down because I I know welding. I know welding, but 201 00:15:05.200 --> 00:15:07.840 a lot of things are welding that need learn in school that you had to 202 00:15:07.879 --> 00:15:13.600 learn on the job. But don't they have to kind of familiarize anyone with 203 00:15:13.720 --> 00:15:20.639 their particular shop, no matter who they hire. Yeah, I understand that 204 00:15:20.639 --> 00:15:26.200 I don't have what you mean, but I guess because I'm wondering this, 205 00:15:26.360 --> 00:15:35.080 Nick. Have you ever have you ever offered to work on a trial basis 206 00:15:35.960 --> 00:15:41.159 just to see if you can pick up where you volunteer as an intern for 207 00:15:41.240 --> 00:15:46.720 a few weeks or a month, no more than that, to see if 208 00:15:46.759 --> 00:15:50.039 they're willing to take a chance on you. Have you ever asked them about 209 00:15:50.039 --> 00:15:52.679 that? No? I never, I never asked anyone about that. You 210 00:15:52.720 --> 00:15:58.879 know it's unorthodox, but I believe it might be a way to get your 211 00:15:58.879 --> 00:16:02.879 foot in the door. Let's say a guy says to you or a woman 212 00:16:02.960 --> 00:16:07.240 says to you, we have a shop here, and you know we need 213 00:16:07.240 --> 00:16:11.679 to have people hit the ground running. What if you said, you're willing 214 00:16:11.720 --> 00:16:19.759 to volunteer as an intern unpaid internship, and you'll waive your right to pay 215 00:16:22.519 --> 00:16:26.679 for a temporary basis to see if you can fit in. I wonder what 216 00:16:26.720 --> 00:16:32.759 they would say about that. I mean, Nick, I want you to 217 00:16:32.879 --> 00:16:37.480 leave your name in number, and what I would like to do is first 218 00:16:37.519 --> 00:16:41.200 and foremost after people listen to this now. Some people are listening live. 219 00:16:41.240 --> 00:16:48.279 A lot of people listen to tape delays and to podcasts if they're interested in 220 00:16:48.320 --> 00:16:52.799 someone. Let's see what we can do now, Nick, why did you 221 00:16:52.879 --> 00:16:56.480 go into welding? Tom? Yes, you may want to take one one? 222 00:16:57.519 --> 00:17:03.240 Okay, go ahead. What's going on? Maurice? Hey? Tom? 223 00:17:03.440 --> 00:17:07.119 How you doing? I love your anyway, this young man's trying to 224 00:17:07.119 --> 00:17:10.119 find a job for welding. He can go ahead and apply a an S 225 00:17:10.200 --> 00:17:14.079 construction. It's a company based out of Canyon, but my company, we 226 00:17:14.119 --> 00:17:18.359 have a several several jobs all throughout Colorado, which basically uh Publo, Canyon 227 00:17:18.440 --> 00:17:22.960 City, Lehanna, Lamar you name it. So if you could just put 228 00:17:22.960 --> 00:17:26.480 his application in an an S construction, there's a there's a there's a good 229 00:17:26.559 --> 00:17:30.599 chance that they might hire him. And do they do a n S. 230 00:17:30.680 --> 00:17:36.640 Do they do a lot of fabrication? We do fabrication construction for minors. 231 00:17:36.799 --> 00:17:40.240 We do asphalt, you name it, we do it. You know that's 232 00:17:40.279 --> 00:17:42.359 a good idea, and I thank you for that, Maurice. Hey, 233 00:17:42.440 --> 00:17:47.200 Nicholas, do you have can you take down this number for a n S? 234 00:17:47.279 --> 00:17:56.279 Can you take seven to one nine one nine two seven five four five 235 00:17:56.799 --> 00:18:03.359 five five? Okay, tell them you you know you were you were wondering 236 00:18:03.440 --> 00:18:06.240 about in you know, jobs and all that, and then just see what 237 00:18:06.279 --> 00:18:08.440 happens. Let us know, stay in touch with us, and make sure 238 00:18:10.319 --> 00:18:14.680 Nicholas, we also get your number because if we hear of anything after you've 239 00:18:14.799 --> 00:18:18.720 been on here for a while, I also want to pass it along, 240 00:18:18.799 --> 00:18:25.240 okay, three oh three seven one three talk three oh three seven one three 241 00:18:25.319 --> 00:18:29.279 eight two five five. Paul the waterman, we do have a question coming 242 00:18:29.279 --> 00:18:37.559 in from a text and they want to know, is it is it practical 243 00:18:38.720 --> 00:18:45.720 to do if they're if they're rather than a whole house system, is it 244 00:18:45.799 --> 00:18:48.640 practical to put in two little systems depending on what their use is. I 245 00:18:48.720 --> 00:18:52.799 think they're talking about drinking water, like if they have a bar in a 246 00:18:52.880 --> 00:18:59.960 kitchen, or what is the practicality of a triple filter or just let's not 247 00:19:00.039 --> 00:19:03.000 say triple fill reverse osmosis for the whole house? Is that too expensive? 248 00:19:03.839 --> 00:19:07.079 Hold on, there you go, sir. Reverse osmosis for the whole house 249 00:19:07.119 --> 00:19:11.599 can can range you know, close to twenty eight thousand dollars. You don't 250 00:19:11.680 --> 00:19:17.000 need it, right, I mean it's something rarely if you run well water 251 00:19:17.160 --> 00:19:21.839 with high tribidity, high salinity, high only really need that reverse osmosis for 252 00:19:21.960 --> 00:19:26.160 drinking right, So point of use reverse osmosis for drinking water. It all 253 00:19:26.200 --> 00:19:29.400 depends on how the house is laid out. If you have an unfinished basement, 254 00:19:29.880 --> 00:19:33.359 we can you know, run that single use role system to more than 255 00:19:33.359 --> 00:19:37.160 one location. Okay, okay, you could through those pipes, okay, 256 00:19:37.160 --> 00:19:41.559 But for a whole house systems, what's the most practical for you know, 257 00:19:41.319 --> 00:19:45.839 water conditioning, water softening is the most practical. Hard water is something that 258 00:19:45.880 --> 00:19:49.519 our body does. It's a mineral our body does not absorb. It's it's 259 00:19:49.559 --> 00:19:56.160 an inorganic mineral. Sort of softening through a house also purify it. No 260 00:19:56.359 --> 00:19:59.839 softening is softening. Softing takes out hard water and what I was going with 261 00:20:00.119 --> 00:20:04.720 as hard water can beat up filters and reverse hosmosis systems can only operate on 262 00:20:04.799 --> 00:20:10.640 water that's less than seven grains hearken. So if you wanted to do a 263 00:20:10.680 --> 00:20:15.160 whole house system, softening would help your plumbing and your washing and your skin 264 00:20:15.480 --> 00:20:18.039 well in your appliance is because EPA is going to mandate. Yeah, and 265 00:20:18.160 --> 00:20:22.519 then you only use the reverse osmosis where you want your drinking water, drinking 266 00:20:22.559 --> 00:20:26.119 and cooking. Absolutely all right. We have more coming up on the Troubleshooter 267 00:20:26.200 --> 00:20:37.599 Show. Go with a sure thing Denver's Best roofer Excel Roofing dot com. 268 00:20:37.640 --> 00:20:44.759 You don't pay a cent until you're content. Time for an insurance checkup free, 269 00:20:44.839 --> 00:20:48.359 no obligation. In comparison, call Compass insurance paying too much your coverage 270 00:20:48.359 --> 00:20:52.000 at dozens of insurance companies find out now three oh three, seven seven to 271 00:20:52.079 --> 00:20:56.799 one help. You'll think you're his only customer when you choose Frank durand the 272 00:20:56.839 --> 00:21:00.359 real estate Man dot com to list your home with REMAC Alliance three all three 273 00:21:00.480 --> 00:21:11.319 nine two zero sixteen twenty two Hi Tom Martino, your troubleshooter three all three 274 00:21:11.039 --> 00:21:15.279 seven one three talk three oh three seven one three eight two five five. 275 00:21:17.039 --> 00:21:19.920 Welcome to the show. We are here, as I said, every day 276 00:21:21.000 --> 00:21:23.359 to help you, Monday through Friday, and we asked that you give us 277 00:21:23.359 --> 00:21:26.599 a call if you need a problem, if you have a problem, question, 278 00:21:26.720 --> 00:21:32.519 or complaint. And we're going to talk now to uh Patty. Okay, 279 00:21:32.559 --> 00:21:37.279 Patty, what's going on? Good morning? Thank you. Yeah. 280 00:21:37.319 --> 00:21:47.680 So my question is I have a will and I have previously used family members 281 00:21:48.000 --> 00:21:52.440 as my executor for my will, but because of the fact that my family 282 00:21:52.480 --> 00:21:57.240 lives in another state, they find it that would be difficult to be an 283 00:21:57.279 --> 00:22:03.440 executor of my will. So I'm actually trying to find a fiduciary and a 284 00:22:03.519 --> 00:22:10.039 state fiduciary that can handle my will at the time of my death. I 285 00:22:10.119 --> 00:22:15.640 have gone online and searched over and over and over again for what I think 286 00:22:15.799 --> 00:22:19.880 is called an a state fiduciary, and all I can come up with our 287 00:22:19.960 --> 00:22:26.799 financial advisors. Well, what you're looking for is an administrator, and they're 288 00:22:26.880 --> 00:22:33.000 private administrators. And whether they are private administrators or public administrators, I want 289 00:22:33.000 --> 00:22:42.400 you to listen to me because this is very important. Normally it's the worst 290 00:22:42.440 --> 00:22:51.240 thing you can do, because the worst because they have no regard. I'm 291 00:22:51.240 --> 00:22:56.119 not saying they're not honest, they have no regard for what's left over. 292 00:22:56.839 --> 00:23:03.200 They charge tax and fee the hell out of your estate. And mentally, 293 00:23:03.279 --> 00:23:06.480 when you go to one of these people, they're thinking, mentally, how 294 00:23:06.519 --> 00:23:10.279 much does she have and how much can I get to keep. I hate 295 00:23:10.279 --> 00:23:12.839 to tell you this, but this is the way it is in the industry. 296 00:23:12.920 --> 00:23:17.640 This is the way it is. Okay, Now, the best way 297 00:23:17.680 --> 00:23:22.960 to do it is a private attorney and then you know you, but you 298 00:23:22.160 --> 00:23:27.319 still need someone. You need someone a purpose. That's why they call it 299 00:23:27.400 --> 00:23:33.599 a personal representative to really handle it. Unless you have someone who's like a 300 00:23:33.640 --> 00:23:41.759 brother or sister, or you know part you know someone you just a mentor 301 00:23:41.799 --> 00:23:48.680 someone from your church or civic organization, it's very difficult, Patty, and 302 00:23:48.759 --> 00:23:52.880 I urge you not to do it. But if you need someone, what 303 00:23:52.960 --> 00:23:57.519 I'd like to do is ask one of our state planning attorneys what they would 304 00:23:57.519 --> 00:24:03.680 recommend. Because public administration, and that's what it is. Even if it's 305 00:24:03.759 --> 00:24:10.400 private, it's public, meaning it's not the family. It is a nightmare, 306 00:24:11.000 --> 00:24:18.440 a nightmare and I only because they're going to rob you. I don't 307 00:24:18.559 --> 00:24:22.599 how big is your estate, Patty, that's not that big. I mean 308 00:24:22.680 --> 00:24:30.519 I own a house and I don't have any debts. So how much is 309 00:24:30.559 --> 00:24:37.599 your house worth, Patty? I'd say under half a million? Right now? 310 00:24:37.079 --> 00:24:41.000 Okay? And do you have stocks, bonds, savings, anything like 311 00:24:41.039 --> 00:24:45.400 that. No, I don't have any stocks. I don't have any bonds. 312 00:24:45.839 --> 00:24:48.319 Let me ask you this, I have retirement accounts. There's a way 313 00:24:48.359 --> 00:24:55.160 to to get around this completely, and that is to bypass probate, where 314 00:24:55.200 --> 00:24:59.720 everything automatically is transferred. What do you want to do with your stuff? 315 00:25:02.599 --> 00:25:07.920 Well, I had hoped to Well, I had hoped to pass on my 316 00:25:08.720 --> 00:25:14.559 personal properties to my family, which I can do that, But the house. 317 00:25:15.759 --> 00:25:18.680 I do not want to put my house into a beneficiary deed because nobody 318 00:25:18.799 --> 00:25:22.160 in my family wants the house, and if I do put it into a 319 00:25:22.160 --> 00:25:30.079 beneficiary deed, that eliminates my chances of being eligible for medicaid should I need 320 00:25:30.160 --> 00:25:37.880 Medicaid in the future. And so basically the house I was going to let 321 00:25:37.920 --> 00:25:42.880 go to probate and just have you understand if you have a house, If 322 00:25:42.920 --> 00:25:47.559 you have a house and need Medicaid. Then the house gets that, then 323 00:25:47.640 --> 00:25:52.079 Medicaid gets a lean right, you know that? Right? That was not 324 00:25:52.200 --> 00:25:56.359 my understanding. Well, that's what I happened, was okay? And a 325 00:25:56.400 --> 00:26:06.440 beneficiary's deed will not interfere with that because Medicaid will come first. Okay, 326 00:26:06.559 --> 00:26:10.359 that's not the way I understood it. And who did you understand it from? 327 00:26:10.400 --> 00:26:15.839 Patty? I want to make sure I'm right from an attorney. Was 328 00:26:15.839 --> 00:26:19.279 it in a state? Was it in a state planning attorney? What I'd 329 00:26:19.359 --> 00:26:22.559 like to do is make sure I'm right. I don't want to give out 330 00:26:22.559 --> 00:26:26.720 wrong information for anyone listening. So hold on, why don't we get our 331 00:26:26.839 --> 00:26:29.759 estate I want to do a favor for you here. Well, let's just 332 00:26:29.880 --> 00:26:33.400 ask one of our estate planning attorneys. This is a good topic. And 333 00:26:33.440 --> 00:26:38.039 what I'll be asking specifically is this. If you have a home paid for 334 00:26:38.799 --> 00:26:44.839 and you do a beneficiaries deed, does that preclude you from a lean from 335 00:26:44.880 --> 00:26:48.720 Medicaid? When you said it would screw you up for Medicaid? What did 336 00:26:48.720 --> 00:26:55.160 you mean by that? I was told that if I had and the beneficiary 337 00:26:55.279 --> 00:27:00.319 deed on my house, that when the time came that I needed medical I 338 00:27:00.319 --> 00:27:04.200 would not be eligible for medicaid as long as the house was in a beneficiary 339 00:27:04.640 --> 00:27:10.359 deed. Okay, let me ask you the converse of that. What if 340 00:27:10.559 --> 00:27:17.680 you did not have a beneficiaries deed, why would you be eligible? Because 341 00:27:18.160 --> 00:27:22.640 I would have spent down all of the rest of my earnings, all the 342 00:27:22.680 --> 00:27:26.839 rest of my accounts, my retirement accounts, everything else would have been spent 343 00:27:26.920 --> 00:27:32.519 down to the point where I didn't have any money for care. But what 344 00:27:32.519 --> 00:27:36.119 would have happened to your house? Why would have beneficiaries deeds screw that up? 345 00:27:36.160 --> 00:27:41.920 What would have happened to your house? I don't understand that. I'm 346 00:27:42.000 --> 00:27:45.599 assuming that that would mean that because I still have a house, that means 347 00:27:45.599 --> 00:27:51.079 I still have assets. And well, okay, so what you're saying is 348 00:27:51.079 --> 00:27:56.200 this, if you don't put a beneficiaries deed on it and you need medicaid, 349 00:27:56.599 --> 00:28:02.680 you do understand you would either have to sell the house or eventually Medicaid 350 00:28:02.880 --> 00:28:07.319 would get paid back. You know that, right? Yeah? Okay, 351 00:28:07.599 --> 00:28:11.880 but I believe and this is what we're gonna find out, that a beneficiaries 352 00:28:11.960 --> 00:28:18.519 deed does not take effect until you pass. And then if you had a 353 00:28:18.759 --> 00:28:25.079 loan on your house, a lean is alone, and you passed the beneficiaries 354 00:28:25.160 --> 00:28:30.200 deed would not affect that loan, so I'm not sure how it would affect 355 00:28:30.359 --> 00:28:33.160 Medicaid. That's what we're going to find out. We got more coming right 356 00:28:33.240 --> 00:28:37.799 up, Kachina. Let's try to get someone who can address this. Our 357 00:28:37.880 --> 00:28:48.160 number is three oh three seven one three talk go with a sure thing Denver's 358 00:28:48.200 --> 00:28:52.519 Best roofer Excel Roofing dot com. You don't pay a cent until you're content. 359 00:28:55.920 --> 00:28:59.079 Time for an insurance check up free, no obligation. In comparison, 360 00:28:59.240 --> 00:29:03.319 call Compass Insurance paying too much your coverage at dozens of insurance companies find out 361 00:29:03.359 --> 00:29:07.880 now three all three seven seven to one help. You'll think you're his only 362 00:29:07.000 --> 00:29:11.799 customer when you choose Frank durand the real estate Man dot com to list your 363 00:29:11.839 --> 00:29:18.440 home with Remax Alliance three all three nine two zero sixteen twenty two. I'm 364 00:29:18.440 --> 00:29:22.079 going to go right to Dan McKenzie, and I'm just going to ask Patty 365 00:29:22.119 --> 00:29:25.519 to listen right now. Dan, there's two things I want to ask you 366 00:29:25.599 --> 00:29:29.599 very quickly here. First and foremost, we've said this before. If you 367 00:29:29.640 --> 00:29:33.839 don't have a friend or a relative that you trust, or it's not convenient 368 00:29:33.880 --> 00:29:37.799 to have them as a personal representative. I personally, this is my personal 369 00:29:37.839 --> 00:29:42.759 opinion. I don't like public trustees or what you call even a private trustee 370 00:29:42.759 --> 00:29:48.960 that you hire, because I think they rape and pillage estates. Now I'm 371 00:29:49.000 --> 00:29:52.880 sorry, Dan, but what is an alternative for people? Can they hire 372 00:29:53.039 --> 00:29:57.160 like your law firm. Can they hire a law firm that wouldn't be bad? 373 00:29:59.359 --> 00:30:02.839 They could. My law firm is not really doing that at the moment, 374 00:30:02.880 --> 00:30:06.440 but certain lawyers do, so that is an option there are, I 375 00:30:06.440 --> 00:30:08.559 mean, so it depends on There are a number of different fee arrangements. 376 00:30:08.559 --> 00:30:12.160 One is that you could be paying a percentage of the estates and that gets 377 00:30:12.240 --> 00:30:17.640 very expensive, very fast. There are some who do an hourly building arrangement, 378 00:30:17.720 --> 00:30:21.880 and so there are individuals around here that actually we do refer quite often. 379 00:30:22.279 --> 00:30:25.759 Okay, so they're not all They're not all pillagers, is what you're 380 00:30:25.759 --> 00:30:30.440 saying. I mean, they're finuciaries, right, I mean, if they're 381 00:30:30.480 --> 00:30:33.000 pillaging, like you're being a little bit of a tongue in cheek there. 382 00:30:33.039 --> 00:30:37.240 But yeah, they you know, they do have an obligation to do the 383 00:30:37.240 --> 00:30:41.519 best and it is obviously a little bit tricky, but so you have some 384 00:30:41.640 --> 00:30:44.640 that you trust, is what you're saying. I do. Yeah, yes, 385 00:30:45.119 --> 00:30:48.799 okay, good to know. Next question, now, regular Medicaid for 386 00:30:48.920 --> 00:30:52.880 doctor's visits and stuff, they don't come after your house. But if you 387 00:30:53.000 --> 00:30:59.359 go into a nursing home and leave your home as I understand that, they 388 00:30:59.400 --> 00:31:03.880 can put a lean on your home, right, yeah, okay. Now 389 00:31:03.920 --> 00:31:08.480 my question is this, if there's a beneficiary deed on that home, does 390 00:31:08.559 --> 00:31:17.039 the Medicaid lean come first? Yes, and they will. The beneficiary deed 391 00:31:17.079 --> 00:31:19.960 actually has language that is required to be on there by the statute saying hey, 392 00:31:21.000 --> 00:31:25.400 this might disqualify you from Medicaid by putting this on there. Okay, 393 00:31:25.599 --> 00:31:30.720 Now, why does it disqualify them from Medicaid? Because it transfers. It 394 00:31:30.759 --> 00:31:34.559 doesn't transfer the house until death. Why would it disqualify her because it gives 395 00:31:34.680 --> 00:31:38.519 probates and the way that Medicaid gets this lean you know, and force potentially 396 00:31:38.559 --> 00:31:41.319 is making it. Got it name in the probate estate? Got it? 397 00:31:41.400 --> 00:31:48.359 Now? I understand, Patty, You're absolutely correct. It does nix you 398 00:31:48.680 --> 00:31:51.200 from Medicaid. Thank you, Dan, And if you want to get a 399 00:31:51.240 --> 00:31:56.160 hold of Dan, it's Mackenzie Law Firm and you should call him a Patty 400 00:31:56.640 --> 00:32:01.119 for some information on those on those fiduciaries that he trusts. Eight three three 401 00:32:02.079 --> 00:32:07.599 c plans Kachina make sure she gets that eight three three co plans. His 402 00:32:07.720 --> 00:32:13.960 website is co plans dot co O. Thank you, Dan, a very 403 00:32:14.039 --> 00:32:19.359 very clear concise. We got the information we need. Now, Anthony, 404 00:32:19.519 --> 00:32:29.359 what's happening? Anthony? Anthony? Hello, you hear me? Yes, 405 00:32:29.400 --> 00:32:32.000 sir? Do you hear me? Yes? I can now? What's going 406 00:32:32.039 --> 00:32:36.480 on? Man? Oh? Sorry about that? Yeah, it's it's been 407 00:32:36.519 --> 00:32:39.759 a disaster of a weekend. Oh what's going on? Uh? Well, 408 00:32:39.960 --> 00:32:45.640 first Thursday, my dog needed gas room intestinal surgery. So we've had them 409 00:32:45.680 --> 00:32:50.240 recovering since Thursday from BCA. And then Friday morning, I woke up and 410 00:32:50.279 --> 00:32:52.359 I'm a two time combat veteran and it kind of smelled like the candle heart 411 00:32:52.359 --> 00:32:57.400 poupond. If anybody knows that pretty a couple of people. Oh my god. 412 00:32:57.480 --> 00:32:59.960 So unfortunately I blamed it on my dog the whole day that the hell. 413 00:33:00.160 --> 00:33:02.680 Oh no, I get what you're saying. So what it turned out 414 00:33:02.720 --> 00:33:07.440 to be a sewer backup The entire neighborhood is backing up into our basement. 415 00:33:09.319 --> 00:33:14.440 Oh my god. They're not responsible for Hoa said to call my home insurance. 416 00:33:15.160 --> 00:33:17.000 Now hold on, Anthony, I may run out of a little time. 417 00:33:17.039 --> 00:33:22.279 I need you to hang on. There are very specific questions I have 418 00:33:22.400 --> 00:33:27.160 about this. It could be someone else's responsible, it could be your responsible. 419 00:33:27.440 --> 00:33:30.440 It could be you have coverage, it could be you don't. And 420 00:33:30.480 --> 00:33:32.759 it really depends on a number of factors. So I want to ask a 421 00:33:32.759 --> 00:33:37.839 couple of questions. Is this a single family home? Yes, sir? 422 00:33:37.519 --> 00:33:44.039 Okay. Did they track as to why there is a backup only in your 423 00:33:44.079 --> 00:33:47.559 home? Yes? Apparently the plumber said that all the lines are going to 424 00:33:47.759 --> 00:33:51.839 are backing up to my home because all the tour lines that planned out were 425 00:33:51.880 --> 00:33:54.559 slumped in the neighborhood. All right, hold on, I don't know what 426 00:33:54.559 --> 00:33:59.160 that means. We'll talk about it coming up three h three seven to one 427 00:33:59.240 --> 00:34:02.200 three talks and one three eight, two five five hang on for more. 428 00:34:02.559 --> 00:34:07.000 We also have Paull Thewaterman with us at waterpros dot net. If you have 429 00:34:07.079 --> 00:34:12.000 questions about water, all of that on the Troubleshooter Show. And yeah, 430 00:34:12.079 --> 00:34:15.159 I know it's April Fools, but I'm not gonna do that to you. 431 00:34:15.440 --> 00:34:20.199 Maybe I'll ask you to do it to someone else go with a sure thing 432 00:34:20.320 --> 00:34:23.719 Denver's Best roofer Excel Roofing dot com. You don't pay a cent until you're 433 00:34:23.800 --> 00:34:32.280 content. Time for an insurance check up free no obligation comparison call Compass Insurance 434 00:34:32.440 --> 00:34:37.559 paying too much your coverage at dozens of insurance companies find out now three oh 435 00:34:37.639 --> 00:34:40.400 three seven seven to one help. You'll think you're his only customer when you 436 00:34:40.480 --> 00:34:45.639 choose Frank durand the real estate Man dot com to list your home with Remax 437 00:34:45.679 --> 00:34:59.559 Alliance three oh three nine two zero sixteen twenty two. So you don't have 438 00:35:01.320 --> 00:35:08.079 run as fast as we can. Shooter's gonna help. Come man, this 439 00:35:08.760 --> 00:35:15.519 is the Troubleshooter Show. Now, Tom Martinez, Hi, Tom Martino here, 440 00:35:15.599 --> 00:35:19.719 Welcome to the show. Three oh three seven one three talk three oh 441 00:35:19.760 --> 00:35:23.199 three seven one three eight two five five. What's on your mind today? 442 00:35:23.800 --> 00:35:28.039 This hour brought to you by eight eight eight Heating dot Com. They will 443 00:35:28.039 --> 00:35:31.400 take care of you with high efficiency replacements for your heating and Airplus they're doing 444 00:35:31.440 --> 00:35:35.840 free plumbing inspections complete if you have leaks and you want to know where it's 445 00:35:35.840 --> 00:35:38.159 coming from. You hear water, running, hammering pipes, whatever, Free 446 00:35:38.159 --> 00:35:43.440 inspection that's right. It's hard to believe introducing their new plumbing division. And 447 00:35:43.559 --> 00:35:47.599 also of course they'll do free HVAC inspections as well, and all of that 448 00:35:49.119 --> 00:35:51.800 at eight eight eight heating dot Com. Let me give you that number three 449 00:35:51.800 --> 00:35:59.159 oh three seven seven zero two seven seven six. Now, so Anthony had 450 00:35:59.159 --> 00:36:02.679 a sewer back up, and he said the entire neighborhood's backing up into his 451 00:36:02.760 --> 00:36:09.800 basement. And I want to talk in general about backups. Normally, when 452 00:36:09.920 --> 00:36:21.000 there is a backup, normally it's impossible to find a culprit. So normally 453 00:36:21.079 --> 00:36:25.880 people have sewer backup coverage on their insurance. And about I would say ninety 454 00:36:25.880 --> 00:36:30.039 eight percent of well, no, about ninety percent of the time over the 455 00:36:30.119 --> 00:36:35.800 years, people cover their own damages with their own insurance. If people don't 456 00:36:35.840 --> 00:36:40.320 have sewer backup insurance, they end up having to foot the bill. In 457 00:36:40.599 --> 00:36:47.440 rare cases, there was something done out in the street by a contractor or 458 00:36:47.639 --> 00:36:54.639 lack of maintenance by the sewer district that causes it, and they come in 459 00:36:55.239 --> 00:36:59.360 and at least pay for some of it, if not all of it. 460 00:37:00.400 --> 00:37:07.480 Now, hoa's are never responsible for it. Ever, it is the sewer 461 00:37:07.519 --> 00:37:15.400 and water district if anyone other than the homeowner or a third party who did 462 00:37:15.519 --> 00:37:21.920 damage to the sewer system. If there is normal settling over the years, 463 00:37:22.519 --> 00:37:28.519 that's on no one either. So if it happens to you, you got 464 00:37:28.519 --> 00:37:31.280 to clean it up. So, Anthony, we have to really analyze what's 465 00:37:31.320 --> 00:37:35.800 going on. If there was a restaurant in the neighborhood, let's say, 466 00:37:36.280 --> 00:37:39.440 and they didn't have a grease trap properly installed, you could go after them. 467 00:37:40.000 --> 00:37:46.079 If the sewer and water district did something defectively or lack of maintenance, 468 00:37:46.360 --> 00:37:52.360 you could go after them. But I'm going to tell you most of the 469 00:37:52.519 --> 00:37:57.480 time, it is your responsibility as a homeowner, not your fault. Remember 470 00:37:57.519 --> 00:38:02.039 I'm not saying your fault, I'm saying your responsibility. So what do you 471 00:38:02.159 --> 00:38:07.440 think is going on in your neighborhood? From what the plumbers told me, 472 00:38:08.199 --> 00:38:10.960 they said, there's some damage on the pipes that made it sag. So 473 00:38:12.039 --> 00:38:15.920 the pipes pitch is not pitching towards the city store line anymore. And it's 474 00:38:15.960 --> 00:38:20.400 wait, wait, that's your service that that sounds like your service line, 475 00:38:20.480 --> 00:38:24.519 your service line. No, it's it's the community's private life. I live 476 00:38:24.559 --> 00:38:28.760 in Altara High Point and there's like a whole four block community and these are 477 00:38:28.840 --> 00:38:34.079 brand new houses from Okay, so what they're saying is the community has a 478 00:38:34.119 --> 00:38:38.719 big service line that no longer drains properly into the city. Is that what 479 00:38:38.760 --> 00:38:43.440 they're saying, correct? I mean, if it's not fixed, it's going 480 00:38:43.480 --> 00:38:46.239 to drain back into me and my neighbor's home in two weeks. Okay. 481 00:38:47.000 --> 00:38:52.239 Now you have two problems. One is the immediate problem of the of the 482 00:38:52.360 --> 00:39:00.480 damage, and again the homeowners association? How how old is this community? 483 00:39:02.960 --> 00:39:07.880 In September? I believe it was built, So, in other words, 484 00:39:07.880 --> 00:39:10.639 it's a brand new community. Is it a part of a community or is 485 00:39:10.639 --> 00:39:15.920 it a community unto itself? Just four blocks? It's a community part of 486 00:39:15.920 --> 00:39:21.639 the Alta high Point community. So it's so is it a new filing? 487 00:39:23.000 --> 00:39:29.239 Yes, Okay, the HOA then has hundreds of members or just that little 488 00:39:29.239 --> 00:39:34.079 four block area. No, it had hundreds of members. Okay, the 489 00:39:34.400 --> 00:39:37.239 HOA. You're not going to like this, but the HOA probably is not 490 00:39:37.360 --> 00:39:44.480 responsible for it. The HOA didn't do anything wrong. Okay, they're not 491 00:39:44.599 --> 00:39:51.840 responsible to you. But let me explain something. Are you positive that the 492 00:39:51.960 --> 00:39:58.079 sewer line is private? Yes? I had a lot of help with Denver 493 00:39:58.280 --> 00:40:01.079 Waste Management on Saturday. And if you miss, say, looked at the 494 00:40:01.119 --> 00:40:05.840 maps, confirm that it is a private line and apparently it could be a 495 00:40:05.880 --> 00:40:10.119 builder defect. Okay, Now, first and foremost, do you have sewer 496 00:40:10.159 --> 00:40:17.119 backup insurance? Oh? Yes, okay, thank god. Now next to 497 00:40:17.239 --> 00:40:22.079 keep it from happening again, do you have you ever heard of a sewer 498 00:40:22.159 --> 00:40:30.639 check valve? Sir? Some sewer systems don't allow them. However, you're 499 00:40:30.679 --> 00:40:37.519 in a private community with a private line, and unless there's something in the 500 00:40:37.559 --> 00:40:44.199 bylaws, you can have a check valve put in your sewer line. That 501 00:40:44.280 --> 00:40:50.039 would prevent a backup. Now, unfortunately, it'll go to your neighbor. 502 00:40:50.599 --> 00:40:52.119 And if your neighbor puts one in, then it's going to go out to 503 00:40:52.159 --> 00:40:55.639 the street. In other words, it's going to go on the path of 504 00:40:55.719 --> 00:41:02.559 least resistance. But to protect yourself, there are two sewer check valves. 505 00:41:02.760 --> 00:41:10.320 Okay, that's one. Okay, number two. The bigger picture the community. 506 00:41:10.400 --> 00:41:16.280 If if that line was put down just last year, then that contractor 507 00:41:16.719 --> 00:41:23.639 would be liable to the HOA if the HOA hired them. Did the HOA 508 00:41:23.800 --> 00:41:30.360 hire them, or did the developer hire them. It was the developer, 509 00:41:30.400 --> 00:41:35.960 Taylor Morrison, and there has been some townhouses with similar issues with sewage boiling 510 00:41:36.000 --> 00:41:39.679 up from their toilets. If the developer developed, I know it's the developer. 511 00:41:39.760 --> 00:41:45.039 The developer. What they do is they hold back vacant land when they 512 00:41:45.039 --> 00:41:47.920 have a community, and then they go in later on in different phases, 513 00:41:49.400 --> 00:41:53.559 and they developed that part of the community right, and then once it's done, 514 00:41:54.000 --> 00:42:00.039 they turn it over to the HOA. So the divel developer and the 515 00:42:00.280 --> 00:42:09.039 contractor would be responsible if they installed the sewer improperly, okay, if they 516 00:42:09.039 --> 00:42:14.880 didn't put enough pitch on it. But if the sewer settled, that's not 517 00:42:15.119 --> 00:42:22.199 their fault. There's a difference between installing it incorrectly without the proper betting and 518 00:42:22.320 --> 00:42:28.679 without the proper backfill and without the proper blah blah blah blah blah. There's 519 00:42:28.719 --> 00:42:35.559 a difference between that and normal settling. They have no control over normal settling. 520 00:42:36.119 --> 00:42:45.199 If the community settled and now it's backflowing the whole community and the HOA 521 00:42:45.360 --> 00:42:47.400 is going to have to deal with it. Okay, they're going to have 522 00:42:47.480 --> 00:42:54.400 to deal with it. But so there's way too much homework for you to 523 00:42:54.440 --> 00:42:59.840 do alone. And if your h aay won't help, that's because not enough 524 00:42:59.840 --> 00:43:04.000 people are affected and they don't care. That really is what it boils down 525 00:43:04.039 --> 00:43:07.239 to. Unless there's twenty or thirty people, they don't care. And your 526 00:43:07.360 --> 00:43:14.559 developer didn't do anything wrong. Your developer hired that contractor. I doubt the 527 00:43:14.599 --> 00:43:17.719 developer said to the contractor, hey, make sure you do this wrong. 528 00:43:19.800 --> 00:43:22.199 I mean, there's no reason to they pay. They pay to have the 529 00:43:22.239 --> 00:43:28.400 sewer install. Now, the sewer line guy or the contractor, what did 530 00:43:28.440 --> 00:43:32.719 they do wrong. It could be that they did it wrong, but for 531 00:43:32.880 --> 00:43:37.480 you to try to take this on would be hundreds of thousands of dollars in 532 00:43:37.559 --> 00:43:44.559 lawsuits. Okay, it's just not going to happen. Unless the HOA gets 533 00:43:44.719 --> 00:43:51.360 upset with the developer and the developer gets upset with the contractor, nothing will 534 00:43:51.400 --> 00:43:57.239 happen. Nothing, okay. So the only thing you can do is protect 535 00:43:57.280 --> 00:44:05.480 yourself. I would get a sewer line check valve. Okay, I will 536 00:44:05.480 --> 00:44:13.119 do that, Anthony. This is sad because it could be the worst scenario 537 00:44:13.760 --> 00:44:19.239 is that no one really did anything wrong, and just in this it's a 538 00:44:19.280 --> 00:44:22.440 plan words, but it's real crap happens if you know what I mean, 539 00:44:23.000 --> 00:44:29.960 because it's settled. Did the plumbers have an opinion? I mean without looking 540 00:44:30.039 --> 00:44:32.840 at it? Did they? I don't even know how they know that the 541 00:44:32.920 --> 00:44:37.679 private service line slopes the wrong way? How did they even know that? 542 00:44:38.239 --> 00:44:42.239 After they cleaned all the service signs for the entire neighborhood. They have a 543 00:44:42.280 --> 00:44:45.639 camera that they put into the pipe and they were able to confirm that there's 544 00:44:45.679 --> 00:44:51.079 no pitch. Okay, now okay, hold on, then how many homes 545 00:44:51.119 --> 00:44:57.400 on that one line with no pitch? There's something like what maybe forty homes? 546 00:44:57.559 --> 00:45:00.480 Okay, then do you need Here's what you need to do if you 547 00:45:00.519 --> 00:45:05.559 want to try to take the bull by the horns. You need to get 548 00:45:05.559 --> 00:45:09.199 a petition going and get these homeowners to sign it, and you need to 549 00:45:09.280 --> 00:45:15.480 tell them they're in danger of a sewer backup, You're not the only one, 550 00:45:16.480 --> 00:45:27.039 and that you have the results of a camera that says that it slopes 551 00:45:27.079 --> 00:45:31.360 the wrong way. Okay. And then once you get that petition signed by 552 00:45:31.400 --> 00:45:37.000 these homeowners or majority of them, you can take that petition to the HOA 553 00:45:37.119 --> 00:45:40.679 and say we need this fixed. And you can stay in touch with me 554 00:45:40.880 --> 00:45:45.480 each step of the way, and I'll help you. But you got it, 555 00:45:45.519 --> 00:45:49.480 but you got to start somewhere. First, you do the checkvalve right. 556 00:45:50.199 --> 00:45:55.239 Second. Second, that's just to protect yourself. Second, get a 557 00:45:55.360 --> 00:46:01.360 petition going with all homeowners affected, and make sure you get the information who 558 00:46:01.440 --> 00:46:05.679 hired that plumber to do all those drains, who hired him each homeowner? 559 00:46:07.559 --> 00:46:10.039 No No, I ended up hiring them because they said it's my problem. 560 00:46:10.360 --> 00:46:14.079 But you said, wait a minute, you said they cleaned all that. 561 00:46:14.360 --> 00:46:17.079 You said they cleaned a bunch of people. Who did each homeowner call them? 562 00:46:19.280 --> 00:46:23.440 No? No. The HOA was able to reach out to professional plumber's 563 00:46:23.480 --> 00:46:27.440 Denver and they brought up big truck and then they cleared out the entire neighborhood 564 00:46:27.599 --> 00:46:30.559 after they've discovered that it was in just my home. So the HOA does 565 00:46:30.679 --> 00:46:37.239 know there's a problem. Yes, okay, good, good. Is the 566 00:46:37.400 --> 00:46:42.639 HOA going to fix it? They don't know right now if it's their problem 567 00:46:42.760 --> 00:46:45.639 or Taylor Morrison's. But they did tell us to reach out to our home 568 00:46:45.679 --> 00:46:47.039 insurance. We can be taken care of it. I understand that. But 569 00:46:47.119 --> 00:46:52.960 it's your HOA that has to take action against Taylor Morrison, who then takes 570 00:46:52.000 --> 00:46:58.679 action against the subcontractor I'm Tom Martino three h three seven one three talk seven 571 00:46:58.719 --> 00:47:02.719 one three eight two five five. Renew Home Innovations has the most beautiful bathroom 572 00:47:02.800 --> 00:47:07.960 showers, custom made tier movements. Whether you want to bench, a grab 573 00:47:07.000 --> 00:47:12.960 bar, you want some soap, dishes, dispensers, perimeter drains, no 574 00:47:13.119 --> 00:47:16.119 threshold ever, you can walk in or use a walker or wheelchair. It's 575 00:47:16.159 --> 00:47:21.960 great for people with disabilities. It's a big rectangle shower, beautiful. They 576 00:47:22.000 --> 00:47:24.559 do it in two or three days. No maintenance, stone walls, glass 577 00:47:24.559 --> 00:47:29.960 panels, and here's the best part. Seventy two months to pay no interest 578 00:47:30.360 --> 00:47:36.000 renew home Innovations dot com. That's three oh three nine zero four to two 579 00:47:36.039 --> 00:47:44.719 thousand. Go with a sure thing Denver's best roofer Excel Roofing dot com. 580 00:47:44.760 --> 00:47:51.519 You don't pay a cent until you're content. Time for an insurance check up 581 00:47:51.639 --> 00:47:55.000 free, no obligation. In comparison, call Compass Insurance paying too much your 582 00:47:55.039 --> 00:48:00.360 coverage at dozens of insurance companies find out now three all three seven seven one 583 00:48:00.480 --> 00:48:04.119 help. You'll think you're his only customer when you choose Frank durand the real 584 00:48:04.199 --> 00:48:07.800 estate Man dot com to list your home with Remax Alliance three oh three nine 585 00:48:07.800 --> 00:48:21.880 two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter three O 586 00:48:22.000 --> 00:48:27.480 three seven one three talk three oh three seven one three eight two five five. 587 00:48:28.760 --> 00:48:34.880 Okay, Uh, Clay's got an issue with a contractor whatever your issue 588 00:48:34.920 --> 00:48:37.400 is, give us a call. Plus, we have Paul Doubting here, 589 00:48:37.920 --> 00:48:43.079 Paulwaterman dot com or Paul or Paulwaterpros dot net. Hey Clay, what's going 590 00:48:43.119 --> 00:48:45.760 on? Well? What's going on? Tom? Is? Back? In 591 00:48:45.840 --> 00:48:51.159 August of twenty two, my neighbor burned my house down? But what figure 592 00:48:51.440 --> 00:48:54.239 Wait, wait, wait, wait, you can't just gloss over that, 593 00:48:54.360 --> 00:49:00.239 sir. What do you mean your neighbor burned your house down? Yep, 594 00:49:00.360 --> 00:49:04.400 she threw a lit cigarette back in August of twenty two, and was when 595 00:49:04.400 --> 00:49:07.320 it was really hot, and she threw a lit cigarette in her backyard which 596 00:49:07.360 --> 00:49:10.639 caught her house and her car on fire, which shut towards my house and 597 00:49:10.679 --> 00:49:15.400 burned my house on fire. Now does it? By the way, I 598 00:49:15.480 --> 00:49:19.159 just want to know this and then we'll go on to your problem. Was 599 00:49:19.239 --> 00:49:22.360 she like? How do does she acknowledge that? Does everyone acknowledge she started 600 00:49:22.360 --> 00:49:27.960 it? Basically? I have video footage because I have I well, know 601 00:49:28.079 --> 00:49:30.320 what I mean is was she ever charged with anything or did your insurance try 602 00:49:30.320 --> 00:49:35.719 to go after What's going on there? My actual she is going through court 603 00:49:35.800 --> 00:49:40.000 right now with who with Adams County, the state is going after her. 604 00:49:40.480 --> 00:49:46.280 Okay, okay, So what's going on? So what's going on is my 605 00:49:46.559 --> 00:49:52.639 insurance and the contractor are fighting, I guess or something, because all of 606 00:49:52.639 --> 00:49:57.239 a sudden two weeks ago, the insurance or not the insurance, but the 607 00:49:57.360 --> 00:50:02.079 contractor to a swint. But the was your house destroyed? By the way 608 00:50:02.199 --> 00:50:07.360 it was, it was a complete loss. I had to have it had 609 00:50:07.400 --> 00:50:10.840 a spestis in it, so it had to be completely abated. My family 610 00:50:12.440 --> 00:50:15.719 five we lost everything because it had a spestis in it and we had a 611 00:50:15.719 --> 00:50:20.000 building tech basically from the ground up. So this is in August of twenty 612 00:50:20.079 --> 00:50:22.519 two and now we're coming up on a year and a half. What is 613 00:50:22.599 --> 00:50:28.519 the problem today, Well, the problem is today that the contractor is putting 614 00:50:28.559 --> 00:50:31.960 a lien on the house. And I know by the Colorado Loss it says 615 00:50:32.119 --> 00:50:36.519 within like two months after they quit, you know, after they do the 616 00:50:36.599 --> 00:50:39.119 lian, they can technically put me into forclosure. I don't know what I 617 00:50:39.159 --> 00:50:45.519 completally. No, the contractor is putting a lien on your house because your 618 00:50:45.559 --> 00:50:52.920 insurance isn't paying. Yep. Why is your who is your insurance company, 619 00:50:52.960 --> 00:51:00.400 Safe Co Liberty Mutual And why is safe Go not paying? That's a good 620 00:51:00.480 --> 00:51:04.960 question. They keep saying, Oh, the contractor didn't do something right. 621 00:51:05.280 --> 00:51:08.320 Everybody's pushing the buck back and forth. I mean, well, one person 622 00:51:08.440 --> 00:51:14.559 is telling me that are they paying your temporary living expenses? We just got 623 00:51:14.559 --> 00:51:19.719 our house back in November of twenty three, so you are living in your 624 00:51:19.719 --> 00:51:23.039 home. Yep, I just got back home. And how much is the 625 00:51:23.159 --> 00:51:32.119 lean for? Two hundred and seventy eight thousand dollars? Okay, Now I 626 00:51:32.159 --> 00:51:36.760 don't understand this at all. I mean, why are they not paying? 627 00:51:37.320 --> 00:51:42.800 And That's what I'm trying to figure out. When I talked to the dwellings 628 00:51:42.920 --> 00:51:49.760 manager whatever he is, he's saying that it's because we have to have our 629 00:51:49.800 --> 00:51:52.039 contractor fix it, and so on and so forth. They just keep pushing 630 00:51:52.079 --> 00:51:57.559 the buck back and forth. Time when you need to get this what you 631 00:51:57.639 --> 00:52:00.719 still haven't answered me? What has to be done that your insurance is waiting 632 00:52:00.760 --> 00:52:07.679 for? They have to get what is that called? I guess the estimate 633 00:52:07.719 --> 00:52:10.920 they have to fix it to where they can prove how much the actually need 634 00:52:10.960 --> 00:52:17.119 to be paid for. I still don't understand what you're talking about. Yeah, 635 00:52:17.280 --> 00:52:21.440 that's what I'm confused. Well, hold on, hold on, hold 636 00:52:21.480 --> 00:52:29.000 on. You're telling me that they won't pay because they did you upgrade? 637 00:52:29.039 --> 00:52:31.920 Did you do a lot of upgrades? Nope, I just did. I 638 00:52:31.920 --> 00:52:35.679 think I did a few things, but a lot of it I did myself. 639 00:52:35.679 --> 00:52:37.960 Are you are you paying for the upgrades yourself? Did you pay your 640 00:52:38.000 --> 00:52:44.320 deductible? Yep? But I paid my deductible. I did all the upgrades 641 00:52:44.320 --> 00:52:50.519 in myself. Would you pay the deductible to the kids to actually take it 642 00:52:50.559 --> 00:52:54.320 ahead of the money that they gave me for my personal property? Yeah, 643 00:52:54.440 --> 00:53:00.320 and so that was deductive from your personal property. Okay. And you didn't 644 00:53:00.320 --> 00:53:06.960 get paid anything for the construction at all? No, And considering I put 645 00:53:07.039 --> 00:53:09.599 a lot of it in myself, like all those singing fans. Some of 646 00:53:09.599 --> 00:53:15.480 the podlights, the furnace and ac I paid for. They just installed it. 647 00:53:16.119 --> 00:53:21.199 I had a lot of things I did and bought so that they can 648 00:53:21.840 --> 00:53:25.639 put in or I put in my own money. Does your insurance say they're 649 00:53:25.639 --> 00:53:30.199 not going to pay. No, they're not saying they're not going to pay, 650 00:53:30.360 --> 00:53:34.480 but they really get two cares that there's a mechanical lien on the house. 651 00:53:34.679 --> 00:53:37.800 Okay, it's a mechanics lien. It's called And when was the last 652 00:53:37.880 --> 00:53:45.199 time the contractor did work? What contactor was here? Back on December eighth 653 00:53:45.400 --> 00:53:50.000 the last time? And they will finishing up things on the outside of the 654 00:53:50.039 --> 00:53:53.119 house all right, January February. Okay, they're within they're within their four 655 00:53:53.159 --> 00:53:59.039 month time span to do that. They only have four months. Did you 656 00:53:59.119 --> 00:54:04.599 get an actual a notice of lean? Yes, I got it the day 657 00:54:04.639 --> 00:54:07.199 after the leen was heir. I guess the leen was done. On a 658 00:54:07.239 --> 00:54:10.840 Thursday, I got an email from me and saying we were going to attempt 659 00:54:10.840 --> 00:54:15.880 to lean as an On Monday I got the official letter. So Monday to 660 00:54:15.920 --> 00:54:21.679 twenty fifth I got an official letter. So the lien hasn't been filed yet. 661 00:54:22.800 --> 00:54:27.199 No, it's been filed through Adams County. Well, they have to 662 00:54:27.239 --> 00:54:29.880 give you a ten day notice then they file, But I don't care. 663 00:54:30.079 --> 00:54:35.960 I'm not going to get into the weeds here. So they can foreclose on 664 00:54:36.039 --> 00:54:40.320 it at any time. They don't have to wait. In fact, they 665 00:54:40.519 --> 00:54:44.800 have to do it within a certain amount of time for it to work. 666 00:54:45.079 --> 00:54:53.920 Who is your lender. My lender is Chassler. Your lender needs to know 667 00:54:53.960 --> 00:55:00.360 about this too, because your lender loses the house too. Yes, have 668 00:55:00.480 --> 00:55:05.320 you talked to Chaffa? I have told them, and they said he would 669 00:55:05.320 --> 00:55:08.280 make notes and I'm supposed to keep them in the loop. That's all I 670 00:55:08.320 --> 00:55:13.599 was told. I want to get our insurance expert on to talk about this. 671 00:55:15.119 --> 00:55:21.800 I want to know what do you do in this situation because your insurance 672 00:55:21.880 --> 00:55:24.079 is going to be responsible to you. I mean, they can't drop the 673 00:55:24.119 --> 00:55:30.039 ball, but you need to get an official reason why they're not paying. 674 00:55:30.639 --> 00:55:35.199 I mean, if it was done since December and they haven't paid, did 675 00:55:35.199 --> 00:55:37.840 they say when they would pay or what they need in order to get paid. 676 00:55:38.000 --> 00:55:44.559 Did they give you any information like that. The only information they gave 677 00:55:44.639 --> 00:55:47.239 me is they need to have my contractor get back and holds it in because 678 00:55:47.239 --> 00:55:52.800 they're being the adjustment on the scope of practice. So once they get that 679 00:55:52.000 --> 00:55:57.519 all fixed and all the toadstakes, they had no problem paying it. But 680 00:55:57.639 --> 00:56:00.119 the problem is that he's saying right now, is he went off of just 681 00:56:00.199 --> 00:56:05.519 what my contractor sent in. I'd have to come out eighty thousand dollars out 682 00:56:05.559 --> 00:56:08.119 of my pocket, and I can't afford that. I'm on disability. No, 683 00:56:08.119 --> 00:56:10.039 no, no, what do you mean why would you have to come 684 00:56:10.039 --> 00:56:15.519 out eighty thousand. I don't get it. Because they're saying because of our 685 00:56:16.719 --> 00:56:22.079 I guess our limits were really really close to our limits, and they're saying 686 00:56:22.159 --> 00:56:24.719 that, you know, they're not going to pay anything over my limits. 687 00:56:24.960 --> 00:56:30.840 Well, of course they're not. Of course they're not. Clay. I 688 00:56:30.880 --> 00:56:37.760 mean, you have a limit. You didn't get full replacement coverage. Yeah, 689 00:56:37.800 --> 00:56:39.639 back when I got this, no, I did not. I didn't 690 00:56:39.679 --> 00:56:44.440 even know about it. So wait a minute, what kind of coverage do 691 00:56:44.519 --> 00:56:50.079 you have? Do you even know? Now I do because I changed insurances. 692 00:56:50.280 --> 00:56:55.199 What kind of coverage do you did you have for this loss? For 693 00:56:55.320 --> 00:56:59.800 this loss, we had it where it was up to double of what my 694 00:57:00.079 --> 00:57:07.239 policy limits were. Okay, so what was your policy limit? I had 695 00:57:07.280 --> 00:57:13.199 the house covered for two hundred and fifty thousand dollars and then they doubled it 696 00:57:13.280 --> 00:57:17.519 to five hundred thousand, so that was they said, oh, yeah, 697 00:57:17.599 --> 00:57:22.800 that'll cover it. And then I had had a SPECIs then, so they 698 00:57:22.840 --> 00:57:25.719 took that off of the dwelling cost for the rebuild. And now they're saying 699 00:57:25.760 --> 00:57:29.760 the rebuild is going to call it. It costs like four hundred and some 700 00:57:29.880 --> 00:57:36.000 thousand dollars to rebuild my house. You said it was already done. Yes, 701 00:57:36.119 --> 00:57:39.920 I'm back in it. Yes, so you're not above the limit. 702 00:57:40.000 --> 00:57:45.039 You four hundred is under five hundred. You're not above the limit. Yes, 703 00:57:45.119 --> 00:57:50.079 But they what they did, and they said the abatement that Festus money 704 00:57:50.199 --> 00:57:54.719 comes off of dwelling cost to rebuild cost. So I think this two hundred 705 00:57:54.760 --> 00:57:59.480 thousand dollars for abatement. So that put me down to where I only had 706 00:57:59.480 --> 00:58:02.000 three hundred dollars for all. Right, hold on, we need to get 707 00:58:02.039 --> 00:58:08.320 Compass on. We really need to get Compass Insurance on because there they can 708 00:58:08.360 --> 00:58:13.320 help us. Hold on a second, three oh three seven to one three 709 00:58:13.320 --> 00:58:16.159 talk. This is terrible. We'll get an answer for you though. And 710 00:58:16.199 --> 00:58:21.840 this is this is something important for everyone to listen to. Right after this, 711 00:58:27.760 --> 00:58:30.800 go with a sure thing Denver's Best roofer Excel roofing dot com. You 712 00:58:30.840 --> 00:58:37.880 don't pay a cent until you're content. Time for an insurance check up free, 713 00:58:37.960 --> 00:58:43.480 no obligation. In comparison, call Compass Insurance paying too much your coverage 714 00:58:43.480 --> 00:58:46.079 at dozens of insurance companies. Find out now three oh three seven to seven 715 00:58:46.119 --> 00:58:50.880 to one help. You'll think you're his only customer when you choose Frank durand 716 00:58:50.880 --> 00:58:54.280 the real estate man dot com to list your home with Remax Alliance three oh 717 00:58:54.360 --> 00:59:00.679 three nine two zero sixteen twenty two. Hi, Tom Marts you know here 718 00:59:00.760 --> 00:59:05.760 three h three seven to one three talk seven one three eight two five five. 719 00:59:05.960 --> 00:59:07.920 Mike has a comment on Clay's issue, and then we'll go to Jeremy 720 00:59:08.199 --> 00:59:13.760 over a compass insurance group. But bottom line is this, he has an 721 00:59:13.760 --> 00:59:17.000 issue after a fire, the house is rebuilt. We have a lot of 722 00:59:17.079 --> 00:59:21.880 problems coming up we got to talk about. But Mike, what is your 723 00:59:21.880 --> 00:59:27.519 comment? Tom? I think you're both missing an important aspect to this case. 724 00:59:27.840 --> 00:59:30.679 Go ahead. I'm a retired firefighter and the fact that she toss that 725 00:59:30.760 --> 00:59:37.559 cigarette and started the fire, and then that fire crossed her property line makes 726 00:59:37.559 --> 00:59:42.840 this felony arson and she is responsible, not his insurance company. Well I 727 00:59:42.920 --> 00:59:45.719 know that, but for all intents and purposes, you don't wait for the 728 00:59:45.840 --> 00:59:52.480 law and a lawsuit and you let your insurance cover you and then subrogate right 729 00:59:52.519 --> 00:59:57.800 and I guarantee you they will, but he may find some relief with her 730 00:59:57.840 --> 01:00:02.119 insurance company if he is an you mean for the shortage, for the shortage, 731 01:00:02.400 --> 01:00:07.239 that's a good point. I want to lay this out to Jeremy Curzy 732 01:00:07.239 --> 01:00:09.599 O over at Compass Insurance Group by the way, that's home of the free 733 01:00:09.639 --> 01:00:14.880 insurance checkup, and they'll check your insurance to make sure you have everything in 734 01:00:14.960 --> 01:00:16.599 order, by the way, or you're not paying too much, or you're 735 01:00:16.599 --> 01:00:22.039 not under insured like in this case, and you can call them. I'll 736 01:00:22.039 --> 01:00:24.079 give you the number three h three nine nine six nine thousand. Jeremy. 737 01:00:24.079 --> 01:00:30.360 Bottom line is this, I never heard of this. Clay has replacement coverage 738 01:00:30.480 --> 01:00:32.760 up to two times the policy limit. Have you ever heard of something like 739 01:00:32.800 --> 01:00:38.239 that? Yeah, it would basically be if they have one hundred percent extended 740 01:00:38.280 --> 01:00:43.920 replacement cost. Okay, now, okay, but here's the problem. Okay, 741 01:00:44.119 --> 01:00:50.519 they're going above that. Oh okay, so he's going to be responsible, 742 01:00:50.599 --> 01:00:53.960 right, There's no two ways about it, isn't that right? Yeah? 743 01:00:54.000 --> 01:00:59.199 I mean in a normal case where you know, his insurance is rebuilding, 744 01:00:59.239 --> 01:01:02.199 he would be covered the difference. Now they're but they're subtracting. Here's 745 01:01:02.199 --> 01:01:08.320 what they're saying, Clay, are they saying they're not covering the asbestos abatement 746 01:01:08.480 --> 01:01:16.199 or they are? Yes, they cover this festal and they added it into 747 01:01:16.199 --> 01:01:22.000 the hold on and they added that into the rebuilding the total rebuilding costs. 748 01:01:22.039 --> 01:01:27.960 Right, yes, So what is the total rebuilding cost at this point? 749 01:01:29.480 --> 01:01:35.039 Right now? It is like six hundred and seventy eight thousand dollars? Okay, 750 01:01:35.320 --> 01:01:38.840 So you're going to be responsible for one hundred and seventy eight thousand? 751 01:01:39.320 --> 01:01:44.119 Is that right? Jeremy? Am I losing? Am I? I mean 752 01:01:44.239 --> 01:01:50.360 technically that's true? Right? Correct? Yeah? Now have you got I 753 01:01:50.400 --> 01:01:53.360 mean is it one bid that he's gotten or is this No? It's done, 754 01:01:53.480 --> 01:01:59.480 brother, it's over, it's built, he's living in it, gotcha? 755 01:02:00.000 --> 01:02:02.039 Okay? So I mean, now, what is your mortgage on this 756 01:02:02.119 --> 01:02:09.679 house? Clay? I have it's two hundred and thirty thousand. Well guess 757 01:02:09.679 --> 01:02:15.599 what and what what interest rate is it? That's that four and a half 758 01:02:15.639 --> 01:02:21.039 percent? You may have to get a second or another first, Clay. 759 01:02:21.239 --> 01:02:24.440 I hate to tell you this, man, but you're only covered for what 760 01:02:24.519 --> 01:02:29.639 you're covered. Jeremy, there's right. I mean, have you seen this 761 01:02:29.760 --> 01:02:32.960 happen to people before? Because building costs went higher than they had coverage for. 762 01:02:34.840 --> 01:02:37.039 Oh, we see it every day, and I mean it's tough because 763 01:02:37.559 --> 01:02:40.800 people are calling in trying to save money, and we we get that, 764 01:02:42.199 --> 01:02:46.000 especially with these rates, but so many of the policies when people send their 765 01:02:46.079 --> 01:02:50.719 deck pages in, I mean, there are hundreds of thousands of dollars short 766 01:02:51.360 --> 01:02:54.079 of what it's going to cost. People don't realize what you know, the 767 01:02:54.119 --> 01:03:00.719 current cost of construction is. It's it's a lot high. So it's it's 768 01:03:00.800 --> 01:03:06.280 tough because that's the majority of the conversations we're having with Clay. You may 769 01:03:06.320 --> 01:03:10.199 have to sell you you may have to sell your house, Clay, it's 770 01:03:10.239 --> 01:03:15.920 probably worth more than it was before, right, Oh, yes, absolutely? 771 01:03:16.400 --> 01:03:22.440 How much more is it worth worth? Over five hundred thousand now? 772 01:03:23.119 --> 01:03:28.199 And what did it used to be worth when I bought it? I bought 773 01:03:28.199 --> 01:03:34.519 it for two hundred and eighty thousand. So unfortunately you have to take you 774 01:03:34.599 --> 01:03:36.880 know, you have to pay part of it, right, you do know 775 01:03:36.960 --> 01:03:38.719 that, you I mean, let's just start with that. You know that 776 01:03:38.840 --> 01:03:45.920 you owe the amount above your coverage, right, yes, Okay, Now 777 01:03:47.280 --> 01:03:52.239 the second thing we need to talk about. If you paid for stuff and 778 01:03:52.280 --> 01:03:58.000 it wasn't part of the rebuilding cost. They shouldn't count it. But you're 779 01:03:58.039 --> 01:04:00.920 you're still gonna be oh money, It doesn't matter. Did you get credit 780 01:04:00.920 --> 01:04:06.199 for the stuff you purchased directly? No? I have not got credit for 781 01:04:06.280 --> 01:04:11.840 it yet. Well, if you put in some some if you did some 782 01:04:12.000 --> 01:04:16.800 labor and bought some materials, what does all your part add up to right 783 01:04:16.840 --> 01:04:24.440 now? I'm at almost sixty thousand dollars now on the sixty thousand that you 784 01:04:24.519 --> 01:04:32.039 put in when they figure the rebuilding cost at when you figured the rebuilding cost 785 01:04:32.119 --> 01:04:38.920 at six seventy eight, did you include your sixty in that? Yes? 786 01:04:39.800 --> 01:04:44.840 So the builder, if the builder gets paid the five hundred thousand in coverage 787 01:04:44.880 --> 01:04:50.320 that you have, what balance is the builder expecting he's not expecting the sixty 788 01:04:50.360 --> 01:04:58.280 that you put in? What is the builder expecting if they're expecting two hundred 789 01:04:58.280 --> 01:05:03.239 and eighteen thousand dollars on top of the five you go, on top of 790 01:05:03.280 --> 01:05:09.159 the money that they've already received from insurance. But that doesn't mean anything to 791 01:05:09.199 --> 01:05:15.679 me. I need to know you have five hundred thousand in total coverage? 792 01:05:15.880 --> 01:05:20.519 Yes, So what does I need to know? How much above your total 793 01:05:20.719 --> 01:05:26.119 coverage will you owe. You're not gonna owe the whole city. You're not 794 01:05:26.159 --> 01:05:31.400 gonna owe the one seventy eight because that includes sixty you already spent. Yes, 795 01:05:31.880 --> 01:05:35.599 they're saying, my insurance guy told me I was gonna if they had 796 01:05:35.599 --> 01:05:39.800 to do it as of right now, I'd have to pay out eighty thousand 797 01:05:39.880 --> 01:05:43.559 dollars out of my pocket. And you will. And that's a deal, 798 01:05:45.039 --> 01:05:48.599 especially with what the house is worth. So it's too bad. But it's 799 01:05:48.719 --> 01:05:54.360 really true. You're gonna have to pay it. You will, I mean 800 01:05:54.400 --> 01:05:59.360 you now, Jeremy, never mind, Jeremy, I don't see any any 801 01:05:59.360 --> 01:06:02.840 way around this, do you. No? I mean, I cut the 802 01:06:02.960 --> 01:06:08.159 tail in before I came on about that. It was a fire from another 803 01:06:08.239 --> 01:06:13.199 house. That now the subrogation. When they subrogate, will they try to 804 01:06:13.239 --> 01:06:18.079 get his money back to They should? Yeah, I mean I don't know 805 01:06:18.119 --> 01:06:23.440 if they have a legal responsibility to but you don't. But he can go 806 01:06:23.559 --> 01:06:27.719 after them too directly. Oh absolutely. And that's the thing I mean, 807 01:06:28.119 --> 01:06:30.320 I think if I'm in a we have to take this break. I'm sorry, 808 01:06:30.480 --> 01:06:33.679 but Jeremy, I'm gonna tell you, Clay, you're going to have 809 01:06:33.719 --> 01:06:38.639 a lawsuit against your neighbor as well, but you are going to be responsible 810 01:06:38.679 --> 01:06:45.880 for the eighty We got to take this break. Go with a sure thing 811 01:06:45.000 --> 01:06:49.400 Denver's best roofer Excel Roofing dot com. You don't pay a cent until you're 812 01:06:49.480 --> 01:06:57.440 content. Time for an insurance check up free, no obligation. In comparison, 813 01:06:57.559 --> 01:07:01.639 call Compass Insurance paying too much coverage at dozens of insurance companies find out 814 01:07:01.679 --> 01:07:04.679 now three all three seven to seven to one. Help. You'll think you're 815 01:07:04.679 --> 01:07:09.599 his only customer when you choose Frank durand the real estate Man dot com to 816 01:07:09.679 --> 01:07:20.679 list your home with Remax Alliance three all three nine two zero sixteen twenty two. 817 01:07:21.000 --> 01:07:26.119 Hi Tom Martino here with waterpros dot net, by the way, for 818 01:07:26.159 --> 01:07:30.079 the best water systems at the lowest prices. Jay's got a comment on Clay's 819 01:07:30.159 --> 01:07:35.199 issue. Basically, Clay's neighbor burned down his house with a by throwing her 820 01:07:35.280 --> 01:07:40.400 cigarette in the lawn, burned down her own house too. His insurance is 821 01:07:40.440 --> 01:07:46.000 only covering about five hundred thousand. He covered about sixty thousand already with extra 822 01:07:46.079 --> 01:07:50.679 stuff, and then you know furnaces and stuff he paid for in his labor. 823 01:07:51.199 --> 01:07:57.679 There's going to be a deficit over his limit of eighty grand, that 824 01:07:57.760 --> 01:08:00.280 he'll have to either put a second on his house or what ever. Do 825 01:08:00.320 --> 01:08:03.800 you have a comment on that or did he hang up? I'm here? 826 01:08:04.440 --> 01:08:10.239 Okay, what is your comment? Okay, several things. First of all, 827 01:08:10.280 --> 01:08:13.519 when the arson has burned his house down, it's going to be a 828 01:08:13.559 --> 01:08:17.159 lawsuit that's going to take time, but eventually he should be made whole. 829 01:08:17.760 --> 01:08:21.399 So with that in mind, what I would do if I were him, 830 01:08:21.920 --> 01:08:27.720 I would take, because he's obviously on a text income, he's probably old 831 01:08:27.840 --> 01:08:31.760 enough, I would take a a reverse mortgage on this house, pay off 832 01:08:31.760 --> 01:08:35.600 whatever I needed to. Then I don't have to make a single payment. 833 01:08:35.640 --> 01:08:42.199 I can live on what I get. What a good idea, And I 834 01:08:42.359 --> 01:08:46.880 made whole because you can go for every single cost. He needs to be 835 01:08:46.960 --> 01:08:51.760 made whole by a good attorney. Then he pays off everything with that settlement. 836 01:08:51.840 --> 01:08:56.000 But by and by the way, her insurance would have to pay for 837 01:08:56.079 --> 01:08:59.800 her, but he goes after her. She turns it into her insurance, 838 01:09:00.319 --> 01:09:05.119 and then her insurance pays if he wins. Absolutely, that's a great idea, 839 01:09:05.239 --> 01:09:09.800 Jay, Thank you very much, man, I'm telling you what a 840 01:09:09.800 --> 01:09:14.600 good idea. A reverse loan. Wow, you have more coming up on 841 01:09:14.600 --> 01:09:17.199 the Troubleshooter Show. Please get your calls in threeo three seven one three talks 842 01:09:17.239 --> 01:09:20.560 seven one three, Echo five to five or three oh three Martino, Go 843 01:09:20.680 --> 01:09:25.920 with a sure thing Denver's Best roofer Excel Roofing dot com. You don't pay 844 01:09:25.960 --> 01:09:32.319 a cent until you're contenth time for an insurance check up free, no obligation 845 01:09:32.439 --> 01:09:39.079 comparison call Compass Insurance paying too much your coverage at dozens of insurance companies find 846 01:09:39.079 --> 01:09:42.039 out now three oh three, seven to seven to one help. You'll think 847 01:09:42.079 --> 01:09:45.119 you're his only customer when you choose Frank Durand the real estate Man dot com 848 01:09:45.119 --> 01:09:49.800 to list your home with Remax Alliance three oh three nine two zero sixteen twenty 849 01:09:49.840 --> 01:10:04.239 two news. You need advice? Who you don't have a camron is just 850 01:10:04.319 --> 01:10:13.079 as fast as you can. Shoot's gonna help come Man Dix is the Troubleshooter 851 01:10:13.199 --> 01:10:17.520 Show. Now Tom Martino. Hey, I'm Tom Martino. Welcome to the 852 01:10:17.560 --> 01:10:21.920 show. Three oh three seven one three talk seven one three eight two five 853 01:10:23.079 --> 01:10:27.560 five. How's everything going with you? Had? I hope that you had 854 01:10:27.600 --> 01:10:30.399 a wonderful day yesterday. Of course, we all know what it was. 855 01:10:30.479 --> 01:10:35.640 It was a transgender visibility Day. I hope you all celebrated and had a 856 01:10:35.640 --> 01:10:42.560 great time, and welcome today. Let's talk about your problems, questions and 857 01:10:42.640 --> 01:10:48.920 complaints. What's going on. You know, I personally am going to lobby 858 01:10:49.000 --> 01:10:55.680 for Theoryan Day. And by the way, this is a joke. Okay, 859 01:10:55.720 --> 01:10:59.359 we're not like, don't get all bent out of shape. You know 860 01:10:59.399 --> 01:11:02.600 Atherean is. You know what etherean is? Right, you know what it 861 01:11:02.680 --> 01:11:08.560 is? What is Etherian? Come on, you're an intelligent guy. Tell 862 01:11:08.600 --> 01:11:16.039 me dragon? What's Etherian? No clue? It is a person who identifies 863 01:11:16.520 --> 01:11:26.000 as an animal other than human, either in philosophy or spirituality, or both, 864 01:11:27.319 --> 01:11:33.239 with some physical characteristics. It is a deeply held belief and identification. 865 01:11:36.600 --> 01:11:46.600 So here's the deal. Being Atherian used to be considered a mental illness, 866 01:11:47.720 --> 01:11:58.319 but it's not any longer. It is a recognized way of life. So 867 01:11:59.159 --> 01:12:06.840 welcome. I'm lobbying for Atherian Day, National Theoryan Day because I want to 868 01:12:09.680 --> 01:12:14.640 I want to identify. I'd like to be a horse for obvious reasons, 869 01:12:14.680 --> 01:12:15.880 but I'm not going to get into right now. Three oh three, how 870 01:12:15.920 --> 01:12:23.159 about our horses? Real Tom, that's part of being a horse. And 871 01:12:24.239 --> 01:12:30.560 anyway, again, welcome to I'm gonna make why don't we make hey, 872 01:12:30.239 --> 01:12:35.479 we can make April Fool's Day National theoryan day. But I don't really want 873 01:12:35.520 --> 01:12:43.279 to make fun of people who are theorians though, because they truly deserve their 874 01:12:43.279 --> 01:12:45.039 own, their own thing if they want to be a theory, and they 875 01:12:45.079 --> 01:12:50.279 should be. You know, we have giraffes and hippos. We have all 876 01:12:50.399 --> 01:12:56.520 kinds of horses, and a lot of them are wolves. I'm not sure 877 01:12:56.560 --> 01:13:01.399 though, that we need special restrooms because most animals just go outside, right, 878 01:13:03.079 --> 01:13:12.720 so we could have etherean lawn. So let's just do that. Let's 879 01:13:12.760 --> 01:13:16.439 start solving problems seriously now today welcome folks. Three h three seven to one 880 01:13:16.560 --> 01:13:20.960 three talks seven one three A two five five. I want to ask Courtney 881 01:13:21.000 --> 01:13:26.119 Pierce from buying build. You know I love buying build. In fact, 882 01:13:26.359 --> 01:13:29.680 I've done so much business of buying build. We did a laundry there, 883 01:13:29.800 --> 01:13:34.399 laundry room with cabinets, encounters, I did my hangar, I did another 884 01:13:34.520 --> 01:13:41.319 room on the whole garage. If somebody once to ask Tom, you're like 885 01:13:41.439 --> 01:13:47.159 some like materialistic weirdo that you would have such beautiful shaker cabinets in your garage 886 01:13:47.680 --> 01:13:54.840 with freaking granite countertops. Okay, that's what it looked like. People thought 887 01:13:54.880 --> 01:13:58.520 I was an idiot trying to show off. Do you know why I had 888 01:13:58.680 --> 01:14:03.039 those shaker cabinets and granite countertops in my garage? Courtney? You remember I 889 01:14:03.119 --> 01:14:08.640 told you why, right, Because because I went to the home Depot, 890 01:14:08.720 --> 01:14:11.119 and then I went to Low's, and I went to all the other big 891 01:14:11.159 --> 01:14:21.880 boxes and those crappy press board or tin cabinets and crappy whatever they do for 892 01:14:23.039 --> 01:14:30.079 mica workbenure or whatever, butcher block. We're more expensive than what you sold 893 01:14:30.119 --> 01:14:32.720 me with that beautiful stuff. Honest to God, I couldn't believe it. 894 01:14:33.039 --> 01:14:39.800 Couldn't believe it. So normally you go there for great deals, right normally? 895 01:14:40.439 --> 01:14:43.960 Now about well, how many times a year do you have your special 896 01:14:44.039 --> 01:14:46.920 auction for even more streaming deals? We try to do. We try to 897 01:14:46.960 --> 01:14:49.800 do two a year. This is our first one this year, so we 898 01:14:49.880 --> 01:14:53.479 might do another one by the end of the year. But so I want 899 01:14:53.520 --> 01:14:57.000 to explain, you can always go to buy and build. It's is that 900 01:14:57.199 --> 01:15:00.520 five sixties South Lapan? Do I have that right? By memory? Yes? 901 01:15:00.600 --> 01:15:03.159 That is correct? Yeah, And I'll give you that phone number. 902 01:15:03.279 --> 01:15:08.319 You can go there anytime for great deals. But the auction is different. 903 01:15:08.640 --> 01:15:12.840 Now, what do you do with this auction? Do you take stuff that 904 01:15:13.319 --> 01:15:17.079 hasn't sold in your at buy and build or how do you get set up 905 01:15:17.079 --> 01:15:20.680 for this auction? Well, some of it's you know, when we have 906 01:15:20.760 --> 01:15:25.560 some customer returns or somebody mismeasures their kitchen and they bring back a couple of 907 01:15:25.600 --> 01:15:29.000 cabinets, we end up with brand new cabinets sitting in our showroom. So 908 01:15:29.039 --> 01:15:31.359 what we do is we just piece of kitchen around those cabinets, and we 909 01:15:31.920 --> 01:15:35.520 buy more new cabinets and put them around there and to slam as full kitchens. 910 01:15:36.640 --> 01:15:41.640 We also do a full truckload of merchandise from a close out broker that 911 01:15:41.680 --> 01:15:45.319 we deal with in Missouri. So there's some close out cabinets in this auction. 912 01:15:45.439 --> 01:15:48.640 There's tile, there's hardwood flooring, there's trim, there's carpet, all 913 01:15:48.680 --> 01:15:53.920 sorts of different stuff that we don't normally stall our showroom that is available for 914 01:15:53.960 --> 01:15:56.399 sale of the highest bidder at the auction. You can get some really good 915 01:15:56.399 --> 01:16:00.159 deals. In the past, We've seen hardwood lor and go for a few 916 01:16:00.239 --> 01:16:05.720 pennies a foot. Remember that, Yeah, it's correct. Now I'm looking 917 01:16:05.760 --> 01:16:11.840 at a lot right now of unfinished hickory four inch it's a premium product and 918 01:16:11.880 --> 01:16:14.720 it's sitting at thirty cents a square foot right now, and that's probably a 919 01:16:14.720 --> 01:16:19.279 five dollars square foot product. Oh my god. Now when is this auction 920 01:16:19.399 --> 01:16:23.600 on? Like? What is what is the When does it go through? 921 01:16:24.000 --> 01:16:26.960 Let's talk about that. Okay, So it's online right now. You can 922 01:16:27.000 --> 01:16:30.239 start placing bids. Currently, it's at rollerauction dot com and just look for 923 01:16:30.319 --> 01:16:34.600 the buy and Build auction and click on that link now, rollerauction dot com. 924 01:16:34.600 --> 01:16:40.079 Okay, I'm on roller auction, And then how do I find specifically 925 01:16:40.119 --> 01:16:45.319 buy and Build? So you click on their auctions tab and even if you 926 01:16:45.399 --> 01:16:47.680 just scroll down on their homepages, should actually be there. Can you go 927 01:16:47.760 --> 01:16:50.640 to that par Okay? Well, I'm just looking because I want to make 928 01:16:50.680 --> 01:16:54.840 sure people find it, because I don't want them to think not that it 929 01:16:54.960 --> 01:16:57.479 matters. I mean, they're going to have fun on this site anyway. 930 01:16:57.760 --> 01:17:00.279 I just want you to know when oh I see it, you're on the 931 01:17:00.319 --> 01:17:03.399 top row. Second over, So there are many auctions. I just want 932 01:17:03.399 --> 01:17:06.720 people to know that but Buy and Build is one of them. So if 933 01:17:06.760 --> 01:17:12.399 you go to roller aauction dot Com, right on the front page, right 934 01:17:12.439 --> 01:17:16.119 now, the top row, it's the second one over, it's Buy and 935 01:17:16.159 --> 01:17:21.680 Build Home Improvement. Now it starts. It says here on Wednesday. Is 936 01:17:21.680 --> 01:17:26.079 that right? Or is that when it closes? So that's when the first 937 01:17:26.119 --> 01:17:29.439 item closes. So if you click right now on the bidding available, it's 938 01:17:29.479 --> 01:17:31.840 just got it right, says bidding available. You click on that, it'll 939 01:17:31.840 --> 01:17:35.199 take you right into the auction and show you the items and what the current 940 01:17:35.279 --> 01:17:39.199 price is on those items. I'm going to tell you something, and they 941 01:17:40.399 --> 01:17:45.479 for you. You're never going to find anything lower priced for the quality anywhere, 942 01:17:45.520 --> 01:17:48.680 no matter what. So if you go there, you'll see a lot 943 01:17:48.760 --> 01:17:56.000 of stuff. I mean, even though the bathroom hardware is unbelievable, the 944 01:17:56.079 --> 01:18:00.319 prices and so the other shower set sit in the six bucks you know it's 945 01:18:00.520 --> 01:18:06.479 yeah, two hundreds big range shower heads. Yeah this is. And okay, 946 01:18:06.520 --> 01:18:13.760 there's some vanities here at these sales. There are vanities with granite tops 947 01:18:13.760 --> 01:18:18.239 for seventy bucks. What are you kidding me? Okay, I love this 948 01:18:18.359 --> 01:18:23.760 guy, Oh vessel sinks. I always love these this fancy fancy vessel sink. 949 01:18:24.039 --> 01:18:28.000 The current bids twenty two point fifty and then manned. You have a 950 01:18:28.000 --> 01:18:31.319 lot of stuff. You take up pages and pages, big tub sinks, 951 01:18:31.880 --> 01:18:36.800 beautiful sinks, just all kinds of decoruments stuff. We have a hot tub 952 01:18:36.800 --> 01:18:41.439 in this auction. We have a triangular spa, a thirty jet hot tub 953 01:18:41.439 --> 01:18:47.159 in this auction. So yeah, you have multiple pages through it rollerauction dot 954 01:18:47.159 --> 01:18:50.640 Com. So how does it work? Then come Wednesday talk about how that 955 01:18:50.720 --> 01:18:57.279 works. Sure, so at one o'clock on Wednesday, the first three items 956 01:18:57.279 --> 01:19:00.640 will close at one o'clock, and then at one oh one the next three 957 01:19:00.640 --> 01:19:03.159 items will close, and so on through the whole sale. If you're bidding 958 01:19:03.159 --> 01:19:08.880 an on an item right before it closes, and somebody outbids you thirty seconds 959 01:19:08.880 --> 01:19:12.840 before it closes, it goes into an extended bidding for about three more minutes, 960 01:19:12.960 --> 01:19:15.760 and it allows you to counterbid so you don't get something stole out from 961 01:19:15.800 --> 01:19:19.560 undo you at the last minute. You can also say it's a maximum bid 962 01:19:19.720 --> 01:19:24.399 that will keep bidding for you automatically up to what the maximum you're willing to 963 01:19:24.399 --> 01:19:28.039 bid on an item is. And a lot of times I'll never get to 964 01:19:28.079 --> 01:19:30.039 that amount, you'll get it still for the lowest price possible. Base Now 965 01:19:30.119 --> 01:19:35.119 normally you normally you have some pretty creat not all of it, but some 966 01:19:35.159 --> 01:19:40.720 of it gets pretty weird that you pick up along the way. Anything weird 967 01:19:40.840 --> 01:19:44.680 in this auction. There are definitely a couple of items when you get into 968 01:19:44.720 --> 01:19:48.680 the higher number pages. It's a lot of stuff from my brother's warehouse. 969 01:19:48.680 --> 01:19:53.960 So there's some toys in there. There's hot wheels, monster trucks. There's 970 01:19:54.039 --> 01:19:57.439 stretch armstrong hot dogs. Believe it or not, I think that's the weirdest 971 01:19:57.439 --> 01:20:00.880 thing we've got. It's a stretching hot dog. It's like a stretcher, 972 01:20:00.920 --> 01:20:04.479 I'm stronger, shaped like a hot bug. A couple just goofy like gift 973 01:20:04.520 --> 01:20:09.960 items we've got, you know, elect some electronic items. Yeah, yeah, 974 01:20:09.960 --> 01:20:13.520 I'm looking right now. It's fun. It's fun to scroll through this 975 01:20:14.000 --> 01:20:19.039 rollerauction dot com roller auction dot com. Man, some of these backpacks, 976 01:20:19.399 --> 01:20:25.960 is that for real? Ten dollars for this night? Actually, oh my 977 01:20:26.079 --> 01:20:30.640 god, this is a big beautiful backpack. And I mean there's just all 978 01:20:30.720 --> 01:20:38.359 kinds of weird stuff Man Coleman lanterns. So there's really no describing what you 979 01:20:38.439 --> 01:20:42.199 have. I mean, you just have to go look roller auction dot comor's 980 01:20:42.239 --> 01:20:45.399 businesses that closeout business and you can get all sorts of treasures. So I 981 01:20:45.479 --> 01:20:48.520 never know what I'm going to get at these auctions until I unwrap the palettes 982 01:20:48.560 --> 01:20:51.439 and then I'm like, wow, look at that. That's really cool and 983 01:20:51.760 --> 01:20:57.199 that's pretty fun. All right, So that's roller auction dot Com. Thanks 984 01:20:57.279 --> 01:21:00.279 a lot, man, I appreciate you being here, Courtney. I love 985 01:21:00.319 --> 01:21:08.079 the place and remember for regular shopping five sixty South Lapan And that's just the 986 01:21:08.079 --> 01:21:11.279 way it is now. Rail has a question on a home insurance Rail I'll 987 01:21:11.279 --> 01:21:15.520 answer you after the break. What is your question? A few weeks ago 988 01:21:15.600 --> 01:21:19.560 you were talking about loss assessment coverage people being short on that, and today 989 01:21:19.680 --> 01:21:24.000 we heard the guy whose house got burned down hidden being short. How do 990 01:21:24.079 --> 01:21:27.840 we find out what the appropriate coverage is? Because if I ask my insurance 991 01:21:27.840 --> 01:21:30.359 guy, he's going to be glad to sell me all kinds of insurance. 992 01:21:30.359 --> 01:21:34.560 But what kind of resource, unbiased is there to find out what coverage you 993 01:21:34.560 --> 01:21:39.119 should have to base on where you live and what you own. That's a 994 01:21:39.159 --> 01:21:43.680 great question. Maybe we can get our people back from Compass Rael hang on 995 01:21:44.039 --> 01:21:46.119 because I do have the answer to it coming up. On the Troubleshooter Show, 996 01:21:51.439 --> 01:21:56.479 Go with a sure Thing Denver's Best Roofer Excel Roofing dot com. You 997 01:21:56.520 --> 01:22:02.600 don't pay a cent until you're content. Time for an insurance checkup free, 998 01:22:02.640 --> 01:22:08.279 no obligation. In comparison, call Compass Insurance Paying too much your coverage at 999 01:22:08.319 --> 01:22:12.000 dozens of insurance companies find out now three all three seven seven to one. 1000 01:22:12.119 --> 01:22:15.119 Help You'll think you're his only customer when you choose Frank durand the real estate 1001 01:22:15.159 --> 01:22:19.600 Man dot com to list your home with Remax Alliance three all three nine two 1002 01:22:19.680 --> 01:22:31.439 zero sixteen twenty two. Hi, Tom Martino, your Troubleshooter three all three 1003 01:22:31.520 --> 01:22:36.159 seven one three talks seven one three eight two five five. Rayel has a 1004 01:22:36.239 --> 01:22:41.399 question on house insurance. He wants to know, Hey, how do I 1005 01:22:41.479 --> 01:22:45.399 know what coverage to get and how much to get so I am covered? 1006 01:22:45.960 --> 01:22:47.760 He said, I don't know if I can trust an agent because they're just 1007 01:22:47.840 --> 01:22:53.079 going to try to sell me as much as they can. I'm not sure 1008 01:22:53.079 --> 01:22:58.640 about that, Jeremy, first and foremost, are there any checks and balances 1009 01:22:59.319 --> 01:23:03.720 to find out if someone does an underwriter say wait, a minute, this 1010 01:23:03.920 --> 01:23:09.000 is way undervalued. Or does an underwriter say, wait a minute, you 1011 01:23:09.119 --> 01:23:13.159 got way too much coverage, And does it pay to have more coverage or 1012 01:23:13.239 --> 01:23:15.960 less because the more coverage, you don't get it. Even if I insured 1013 01:23:15.960 --> 01:23:19.840 it for a million dollars and my house is truly only worth five hundred, 1014 01:23:20.279 --> 01:23:26.119 I don't get the extra money if it's destroyed, do I correct? No? 1015 01:23:26.479 --> 01:23:29.720 Correct, you don't. You would get up to what it's going to 1016 01:23:29.800 --> 01:23:33.479 cost to rebuild. And yeah, there are checks and balances to make sure 1017 01:23:33.560 --> 01:23:41.199 it's not horribly underinsured or over insured. I think the issue that we're seeing 1018 01:23:41.239 --> 01:23:45.960 and have seen over the last few years is how long and people don't realize 1019 01:23:45.000 --> 01:23:50.119 how long it's going to typically take them to rebuild their house. So if 1020 01:23:50.119 --> 01:23:56.960 it costs you four hundred thousand to rebuild your home on today's dollars and you 1021 01:23:57.079 --> 01:24:00.279 have a loss, you're not getting that re built. Most people at least 1022 01:24:00.319 --> 01:24:03.720 aren't getting that rebuilt right away. It's it's you know, could be up 1023 01:24:03.720 --> 01:24:09.600 to a year before you get a contractor who uh and get under contract, 1024 01:24:09.680 --> 01:24:14.000 so you're subject to a cost in the future you need to have. And 1025 01:24:14.039 --> 01:24:17.199 that's what that from the last call when we talk about that extended replacement cost. 1026 01:24:17.960 --> 01:24:21.840 That's what that's geared to do, is that from the time you set 1027 01:24:21.920 --> 01:24:26.760 up the policy until the time you need it, those two numbers could be 1028 01:24:27.039 --> 01:24:31.000 different. That extended replacement cost is supposed to cover that gap. Well, 1029 01:24:31.039 --> 01:24:34.239 here's what I want to know. Then, who estimates if I come to 1030 01:24:34.279 --> 01:24:41.439 you for insurance, who estimates how much insurance I need? So their software 1031 01:24:41.479 --> 01:24:45.439 it's called the replacement Cost Estimator, and we will put all the information of 1032 01:24:45.520 --> 01:24:48.640 the home in the square footage, kitchen, bath, all that stuff, 1033 01:24:48.800 --> 01:24:54.800 and the area number in the area now, you know, And the thing 1034 01:24:54.800 --> 01:24:58.720 to understand, we're not so much looking at a real estate value as much 1035 01:24:58.760 --> 01:25:03.119 as we are a reb cost. So the value of the home could be 1036 01:25:03.279 --> 01:25:08.640 very different than what it's going to cost to replace, both more or less. 1037 01:25:09.000 --> 01:25:13.960 So we're much more concerned what is you know, what's a general contractor 1038 01:25:14.039 --> 01:25:16.960 going to charge you? They typically charge by the price per square food. 1039 01:25:17.560 --> 01:25:21.960 We're trying to come up with that number, and then the personal property is 1040 01:25:23.000 --> 01:25:28.600 separate from that, right it is. Yeah, So on replacement coverage. 1041 01:25:28.720 --> 01:25:36.920 On replacement coverage, let's say it's going to cost by today's estimates, on 1042 01:25:38.039 --> 01:25:43.800 paper five hundred thousand to rebuild. Remember that's not the value of the home, 1043 01:25:43.840 --> 01:25:47.880 that's the rebuild. So if it's five hundred thousand, can I get 1044 01:25:47.960 --> 01:25:54.319 unlimited replacement cost if it goes up? Or does it only go to double? 1045 01:25:54.520 --> 01:25:58.159 What does it go to? Every company is different, so we have 1046 01:25:58.359 --> 01:26:01.600 right now we're down to one company that will do the unlimited which is called 1047 01:26:01.720 --> 01:26:10.319 guaranteed replacement or uncapped replacement. So what company is that? Acuity insurance? 1048 01:26:12.279 --> 01:26:15.560 So great, well for example, and you're fine to talk about this since 1049 01:26:15.600 --> 01:26:18.600 you guys have all my insurance for example, what would mind be? Do 1050 01:26:18.680 --> 01:26:24.239 you know? Is it double? Is it what let me pull? I 1051 01:26:24.279 --> 01:26:30.039 don't even know, I honest to God don't know. And you don't have 1052 01:26:30.079 --> 01:26:34.560 to talk to dollars or what yours is unlimited too, so pure the company 1053 01:26:34.600 --> 01:26:41.319 we have with they are also a guaranteed replacement costs. They have pretty high 1054 01:26:41.760 --> 01:26:45.760 starting point, so most people aren't going to be qualified for them. But 1055 01:26:45.880 --> 01:26:48.920 you do have the uncaptain Now Rail, do you Rail? Do you have 1056 01:26:48.960 --> 01:26:56.520 any questions for Jeremy directly just about the loss assessment cover general. I know 1057 01:26:56.640 --> 01:27:00.760 you can look at your ho's master policy and then I'll have an amount that 1058 01:27:00.760 --> 01:27:03.039 they're covered for, Like, how do I know if I look at it? 1059 01:27:03.079 --> 01:27:05.800 You know their master policy says three hundred thousand. Do I say, 1060 01:27:06.159 --> 01:27:09.680 oh, my gosh, that's way too low, or that, oh that's 1061 01:27:09.720 --> 01:27:13.560 good enough. I guess how would you do it in a condo association or 1062 01:27:13.640 --> 01:27:16.720 town home? Is that expensive coverage to begin with? Let's let's start their 1063 01:27:16.800 --> 01:27:21.159 Jeremy, It's not no. And so that's the thing I mean going. 1064 01:27:21.399 --> 01:27:26.600 Let's say you have twenty five thousand and you bumped it up to fifty. 1065 01:27:26.720 --> 01:27:29.840 That might cost you twenty bucks a year. And so what you want to 1066 01:27:29.840 --> 01:27:33.600 look at. You want to look at the Howay's policies deductible and you want 1067 01:27:33.640 --> 01:27:38.239 to divide that by the number of units that are going to share in that 1068 01:27:38.399 --> 01:27:42.720 deductible and that will give you a pretty good idea of what your assessment's going 1069 01:27:42.760 --> 01:27:46.079 to be. The problem is they're changing those all the time. So if 1070 01:27:46.119 --> 01:27:48.600 you look at something and you go, okay, it's it, not you 1071 01:27:48.640 --> 01:27:53.800 know your share is going to be nine thousand based off that map, you 1072 01:27:53.920 --> 01:27:57.920 got to really pay attention that they don't double that deductible and all of a 1073 01:27:57.960 --> 01:28:01.079 sudden, now your shares eighteen thousand, So that's when you want to get 1074 01:28:01.720 --> 01:28:06.159 you I'll fit twenty five at least twenty five thousand coverage, if not fifty, 1075 01:28:06.199 --> 01:28:10.760 because it's so cheap to add it on there. And can you get 1076 01:28:10.840 --> 01:28:15.279 unlimited? That is not an option to get unlimited for long? Can you 1077 01:28:15.359 --> 01:28:19.960 get can you get one hundred thousand? Because we've had I think go ahead. 1078 01:28:20.920 --> 01:28:28.319 The highest we have is sixty company offers sixty. Okay, because we've 1079 01:28:28.359 --> 01:28:31.600 seen Jeremy, some of these search charges going to a or these assessments going 1080 01:28:31.600 --> 01:28:38.760 to one hundred grand. Oh yeah. I mean, if you know they 1081 01:28:38.800 --> 01:28:42.520 have a high enough deductible and there's not a lot of unit owners sharing in 1082 01:28:42.600 --> 01:28:46.720 that, you certainly can see it go higher. Who's a good company for 1083 01:28:46.960 --> 01:28:54.560 condo and town home stuff? Acuity who I previously mentioned. I mean, 1084 01:28:54.600 --> 01:28:59.880 their rates are almost always competitive, and just how they do their condos or 1085 01:29:00.560 --> 01:29:04.680 you know most of our companies are too. I mean condos they've gone up 1086 01:29:04.720 --> 01:29:10.680 in price, like everything else. They don't seem to vary too much in 1087 01:29:10.920 --> 01:29:15.800 rate from one company to another. So it gets to be more where coverage 1088 01:29:15.560 --> 01:29:19.840 can matter more, and that's probably the policy. We seem more than any 1089 01:29:19.920 --> 01:29:25.840 other where people don't have enough dwelling coverage because I think there's just a false 1090 01:29:26.279 --> 01:29:30.439 assumption that oh, the HOA has coverage. And I mean we see agents 1091 01:29:30.560 --> 01:29:36.000 you know, that are writing these policies and they're not understanding the true costs. 1092 01:29:36.039 --> 01:29:40.399 Go back to what we were talking about before, the true cost to 1093 01:29:40.640 --> 01:29:45.359 rebuild the interior of the unit. And what makes these more risky are you 1094 01:29:45.399 --> 01:29:50.319 can't build the interior till the outside is built. So when you're talking how 1095 01:29:50.399 --> 01:29:55.800 long is it going to be before you get rebuilt, that whole exterior has 1096 01:29:55.880 --> 01:29:59.399 to be done before you could even get started. So plan on a pretty 1097 01:29:59.399 --> 01:30:02.880 good amount of time time between when you set this up and when you're actually 1098 01:30:02.920 --> 01:30:08.199 gonna need it, and you need to anticipate cost increase between that time. 1099 01:30:09.000 --> 01:30:13.600 Raul any other questions, Uh No, I think that answered that pretty well. 1100 01:30:13.680 --> 01:30:15.239 You should call Compass, by the way, I'm serious, I don't 1101 01:30:15.239 --> 01:30:18.840 know who you have right Who do you have right now? I actually have 1102 01:30:19.039 --> 01:30:23.199 used Compass several times the past. They've really done good for me. I'm 1103 01:30:23.239 --> 01:30:27.279 actually currently with another one of your brokers on your list who's okay for me? 1104 01:30:27.720 --> 01:30:30.359 Okay, no problem, Like I said, all the proof is in 1105 01:30:30.399 --> 01:30:34.199 the pudd and that's what matters. Jeremy. Another quick thank you very much. 1106 01:30:34.239 --> 01:30:42.520 Another quick question, Jeremy on sure on insurance the trend to selfish, 1107 01:30:42.720 --> 01:30:45.239 not self insure. But hoa's are not covering roof? What happens? Then 1108 01:30:45.279 --> 01:30:48.640 if you own a condo, what what happens? I mean, what do 1109 01:30:48.680 --> 01:30:54.800 you do? You just need to make sure that your HO six policy is 1110 01:30:54.880 --> 01:31:00.439 set up to cover everything the HOA doesn't. Okay, there there could be 1111 01:31:00.520 --> 01:31:04.159 policies that limit truly to the interior, which is even I just said it 1112 01:31:04.680 --> 01:31:08.800 by some hoas. And what you want to make sure you have is that 1113 01:31:08.840 --> 01:31:14.279 an HOA policy is going to cover the gap of what the exterior HOA policy 1114 01:31:14.359 --> 01:31:16.880 doesn't. So if they don't cover roof, that's fine. You just want 1115 01:31:16.920 --> 01:31:20.880 to make sure that your HOA policy will And then if they don't, you 1116 01:31:20.920 --> 01:31:24.600 want to make sure you just have that extra coverage to account for that. 1117 01:31:26.000 --> 01:31:30.239 Then we have the situation where this one I think is Valencia. I'm not 1118 01:31:30.279 --> 01:31:36.079 sure, but these condos are involved. The HOA is suing the insurance, 1119 01:31:36.159 --> 01:31:41.079 the insurance is suing. I mean, I mean it's a mess, and 1120 01:31:41.159 --> 01:31:45.239 so no one can move back in. They haven't done anything. There's asbestos 1121 01:31:45.239 --> 01:31:47.239 in there, and these people have been out of their place going on two 1122 01:31:47.319 --> 01:31:51.279 years and we don't know. They can't even start. They got paid for 1123 01:31:51.359 --> 01:31:56.479 personal property, but that's it. So what happens to does the insurance keep 1124 01:31:56.520 --> 01:32:00.960 paying for temporary living for how long? Uh? Dope? It depends on 1125 01:32:01.000 --> 01:32:04.239 the policy. So, like I said before, with acuity, they have 1126 01:32:04.520 --> 01:32:11.279 unlimited loss of use, so as long as they can't rebuild, a policy 1127 01:32:11.319 --> 01:32:15.640 with unlimited loss of use would keep paying. But almost every company is going 1128 01:32:15.720 --> 01:32:17.680 to either have a time limit, you know, twelve months, twenty four 1129 01:32:17.720 --> 01:32:21.199 months, or they're going to have a dollar amount. And that's what makes 1130 01:32:21.239 --> 01:32:26.199 these policies so risky and the details matter so much, is because you're so 1131 01:32:26.399 --> 01:32:30.840 out of control to just get your interior built, so much else has to 1132 01:32:30.920 --> 01:32:36.960 happen before you can actually get started that you'll have no control over. Okay, 1133 01:32:38.039 --> 01:32:41.800 Jeremy, thank you the Insurance Healthcenter dot com or Compass Insurance Group. 1134 01:32:41.800 --> 01:32:49.920 And it's three h three nine ninety six nine thousand more coming up. Go 1135 01:32:50.039 --> 01:32:55.279 with a sure thing Denver's Best Roofer excel rooping dot com. You don't pay 1136 01:32:55.319 --> 01:33:01.680 a cent until you're content. Time for an insurance check up free no obligation 1137 01:33:01.800 --> 01:33:08.119 comparison call Compass Insurance. Pay too much your coverage at dozens of insurance companies 1138 01:33:08.199 --> 01:33:11.640 find out now three oh three seven seven to one help. You'll think you're 1139 01:33:11.680 --> 01:33:15.560 his only customer when you choose Frank durand the real estate Man dot com to 1140 01:33:15.640 --> 01:33:26.399 list your home with Remax Alliance three oh three nine two zero sixteen twenty two 1141 01:33:27.319 --> 01:33:31.199 times. Tom Martino here three oh three seven one three talks seven one three 1142 01:33:31.359 --> 01:33:36.560 eight two five five. Stuart, you have a question about selling a car? 1143 01:33:36.600 --> 01:33:39.760 Go ahead, Stewart. What's your question? And by the way, 1144 01:33:39.760 --> 01:33:42.199 we have open lines. I want to also remind you if you ever have 1145 01:33:42.279 --> 01:33:45.880 a problem, and it's not between the hours of ten am to two pm 1146 01:33:45.000 --> 01:33:48.920 Mountain time, you can always call three oh three Martino at any time, 1147 01:33:49.000 --> 01:33:53.119 leave a message and we will get back to you. Hey, Stuart, 1148 01:33:53.159 --> 01:33:57.439 what's going on? Well, I'm an eighty eight year old man who is 1149 01:33:57.520 --> 01:34:01.119 having to give up driving my car. Why is that Stewart, who lives 1150 01:34:01.159 --> 01:34:06.960 with me, is going to sell it? And I haven't sold a car 1151 01:34:08.039 --> 01:34:13.000 in probably forty years, so I need some pointers and what to watch out 1152 01:34:13.079 --> 01:34:18.720 for and privately dealing with somebody will come over and look at my eighty seven 1153 01:34:18.840 --> 01:34:24.239 Volvo is what it is, but it really doesn't matter what my car is. 1154 01:34:24.319 --> 01:34:26.920 I'm going wait, wait, wait, did you just say an eighty 1155 01:34:27.039 --> 01:34:33.920 seven and eight seven nineteen eighty seven? Yeah, Volvo Sedan seven forty how 1156 01:34:33.920 --> 01:34:40.319 many miles on? One hundred and thirty eight thousand miles? And my son 1157 01:34:40.840 --> 01:34:45.119 thinks that maybe we could get five thousand for it. But my concern is 1158 01:34:45.119 --> 01:34:50.479 is when people come over, if they do after on the craigs list, 1159 01:34:50.560 --> 01:34:56.039 he's what I think he's going to use on? What model Volvo? Is 1160 01:34:56.079 --> 01:35:02.039 that one? Take what model Volvo? Pardon model Volvo seven four zero old? 1161 01:35:02.680 --> 01:35:08.159 Okay? Yeah, EOE was a it's got a red block. They 1162 01:35:08.199 --> 01:35:13.239 call it engine. It was the suites call it a bulletproof bah. But 1163 01:35:14.960 --> 01:35:17.520 has it been good to you? Has it been good to you? Oh? 1164 01:35:17.640 --> 01:35:20.359 Yes, yes, As I say, I've only got one hundred and 1165 01:35:20.359 --> 01:35:26.159 thirty eight thousand miles on it. It's been garage most of the time. 1166 01:35:26.279 --> 01:35:30.800 And you know, I had I had one of those. They're beautiful, 1167 01:35:31.079 --> 01:35:33.359 they were. It was a beautiful car. I had one of those, 1168 01:35:33.439 --> 01:35:40.520 and I had I bought it new. I was the second owner. It 1169 01:35:40.720 --> 01:35:44.399 had twelve thousand on it when I bought it. I blought my new it 1170 01:35:44.439 --> 01:35:48.399 was maroon and I bought it in eighty two. I remember that god Vovo. 1171 01:35:50.159 --> 01:35:54.239 Well that's not where I did it. But in any case, so 1172 01:35:54.920 --> 01:35:58.800 anyway, you're gonna here's the problem with selling. And by the way, 1173 01:35:58.800 --> 01:36:01.680 they they will sell. They will sell for five grand easily if it's in 1174 01:36:01.760 --> 01:36:09.640 good condition. Well, I I'm not going to be greedy, but I 1175 01:36:10.159 --> 01:36:14.079 don't want to mess up a bill of sale. I don't know how to 1176 01:36:14.159 --> 01:36:16.520 do that. I don't know the Have you ever and I'm not asking you 1177 01:36:16.600 --> 01:36:20.600 to do it, but have you ever considered donating it? Yes? I 1178 01:36:20.720 --> 01:36:29.760 have, uh huh. I'm not a wealthy man that I donate other ways. 1179 01:36:29.840 --> 01:36:31.079 But no, no, no, I'm not trying to put you on 1180 01:36:31.119 --> 01:36:34.399 the spot. I'm not trying to put you on the spot. You can 1181 01:36:34.439 --> 01:36:40.319 do whatever you yeah, yeah, okay, So here's the deal. The 1182 01:36:40.359 --> 01:36:43.600 biggest problem you're going to have is the fraud because people are going to try 1183 01:36:43.600 --> 01:36:46.880 to scam and that I mean I would say you get more scam inquiries than 1184 01:36:47.000 --> 01:36:53.399 honest inquiries. Okay, yeah, my son is, and I would avoid 1185 01:36:53.439 --> 01:37:00.319 Facebook marketplace they have probably and Craigslist have the most scams. But I would 1186 01:37:00.399 --> 01:37:05.159 go to a place like cars dot Com or better yet, I would maybe 1187 01:37:05.199 --> 01:37:09.159 put it on well, I don't even know. I don't know if our 1188 01:37:09.199 --> 01:37:12.520 people will do consignment on one that old. I don't know if they will 1189 01:37:12.600 --> 01:37:17.880 or not. I have some consignment that fits. I think I picked up 1190 01:37:17.920 --> 01:37:23.039 on some of your previous shows. Okay, if you go to JFR Cars 1191 01:37:23.079 --> 01:37:26.880 and talk to Rodney, yeah, I think I have that on my notes. 1192 01:37:27.039 --> 01:37:29.680 He's the one that I mean. Then I wouldn't even mess with it. 1193 01:37:30.319 --> 01:37:33.279 Really, when you think about it, in today's world, it's damn 1194 01:37:33.479 --> 01:37:39.239 dangerous to do this. Well, I'm afraid if somebody wants to take it 1195 01:37:39.279 --> 01:37:43.279 for an inspection and I say, well, I want a credit card while 1196 01:37:43.319 --> 01:37:46.680 you're gone. No, no, they'll take hold on. If they want 1197 01:37:46.680 --> 01:37:51.239 to take it for an inspection, you have to take it there and stay 1198 01:37:51.279 --> 01:37:56.800 with it. I'm sorry, you can't let them take it test drive? 1199 01:37:57.680 --> 01:38:02.319 Oh my god, some test drives never you know, first of all, 1200 01:38:02.439 --> 01:38:06.880 they're not going to get arrested if you let someone take a test drive of 1201 01:38:06.920 --> 01:38:14.479 your car and they don't return it and they claim, and they claim you 1202 01:38:14.600 --> 01:38:17.880 let them have it for thirty days or whatever, whatever it is. It 1203 01:38:17.920 --> 01:38:21.840 takes it out of a crime and turns it into a civil case. And 1204 01:38:21.920 --> 01:38:26.840 it's kind of like having a squatter in your car. Oh yes, I'm 1205 01:38:26.880 --> 01:38:30.960 reading a lot about squatters. You know. It's a brave new world, 1206 01:38:30.000 --> 01:38:34.680 isn't it. You're eighty eight. I don't know how you're how you're adjusting 1207 01:38:34.720 --> 01:38:40.479 to these times, but not very well at times. Personally. I have 1208 01:38:40.560 --> 01:38:46.000 a good, good son who lives with me and he's my caretaker. How 1209 01:38:46.039 --> 01:38:50.439 old is your son? He's fifty one years old. Okay, I have 1210 01:38:50.520 --> 01:38:54.159 a question. Do you still have the title? Do you know where that 1211 01:38:54.319 --> 01:38:58.520 is? It's right here in my hand. Okay, I just just checking 1212 01:38:58.520 --> 01:39:00.920 because you know, Tom, if it's not eighty seven, it might have 1213 01:39:00.960 --> 01:39:06.479 been misplaced. Okay, now listen, Stewart. I think I would do 1214 01:39:06.520 --> 01:39:11.359 a consignment. I don't feel comfortable now. Your son, if he's with 1215 01:39:11.520 --> 01:39:14.520 it, he can try to sell it. But if you do, and 1216 01:39:14.560 --> 01:39:17.800 this is okay, here's what you do. Never here are some nevers. 1217 01:39:17.880 --> 01:39:23.000 Okay. Never take a check ever, not even a cashier's check. Okay. 1218 01:39:23.039 --> 01:39:27.920 Never. Now, if the cashiers check is drawn on a local bank, 1219 01:39:28.279 --> 01:39:30.880 you can take it if you can go to that guy's bank, not 1220 01:39:31.039 --> 01:39:36.000 yours, that guy's bank and turn it into a cashier's check to you a 1221 01:39:36.000 --> 01:39:40.079 bank check. So in other words, accompany him to the bank, to 1222 01:39:40.119 --> 01:39:45.000 his bank, you go to his bank where the cashier's check is drawn, 1223 01:39:45.359 --> 01:39:48.239 or you go to his bank and have them make a check to you right 1224 01:39:48.239 --> 01:39:53.960 in front of you. Either one, and then you can take that check. 1225 01:39:54.039 --> 01:39:58.359 If it's a bank check. Do not take a certified check, and 1226 01:39:58.720 --> 01:40:03.279 it's called the cashier's check. A cashier's check is theoretically paid for at the 1227 01:40:03.319 --> 01:40:09.119 time it's issued, but it's but they can be forged. So you take 1228 01:40:09.159 --> 01:40:14.239 a cashier check only that you see them make out to this guy right in 1229 01:40:14.279 --> 01:40:17.079 front of you. The other one is is that you can do is a 1230 01:40:17.119 --> 01:40:24.880 wire transfer. And if you do anything like direct ach to your account, 1231 01:40:25.039 --> 01:40:30.439 here's another thing. You have to set up an account just for that ACCH. 1232 01:40:30.920 --> 01:40:34.880 You cannot have an ACCH into your regular account because once they have your 1233 01:40:35.199 --> 01:40:39.920 account number and routing number. And people defy me all the time, but 1234 01:40:40.000 --> 01:40:45.199 it's true, they can simply steal your money. There are no checks or 1235 01:40:45.279 --> 01:40:53.079 balances none zero zero none. So an ACCH is okay, But you set 1236 01:40:53.159 --> 01:40:59.840 up an account just for that ach and then close it down so and by 1237 01:41:00.159 --> 01:41:03.920 way. But oh, but you have to set it up somewhere where you 1238 01:41:03.960 --> 01:41:08.039 don't have another account, because if you set it up where you have another 1239 01:41:08.079 --> 01:41:11.560 account and you shut it down and they go in to take money out of 1240 01:41:11.600 --> 01:41:15.119 it, they're going to go to your other account automatically under what's called a 1241 01:41:15.159 --> 01:41:20.279 cross collateralization agreement. I'm speaking truth to you, Stuart. It's a brave 1242 01:41:20.359 --> 01:41:26.800 new world. So I was gonna use that anyway. Here you got you're 1243 01:41:26.800 --> 01:41:32.680 already you. You are highly recommending consignment apps with JFR cars not just any 1244 01:41:32.760 --> 01:41:43.960 consignment more coming up. Go with a sure thing Denver's Best roofer Excel Roofing 1245 01:41:44.079 --> 01:41:49.600 dot com. You don't pay a cent until you're content. Time for an 1246 01:41:49.600 --> 01:41:56.439 insurance check up free no obligation comparison call compass insurance paying too much your coverage 1247 01:41:56.439 --> 01:42:00.079 at dozens of insurance companies find out now three oh three, seven seven and 1248 01:42:00.159 --> 01:42:02.920 one help. You'll think you're his only customer when you choose Frank durand the 1249 01:42:02.960 --> 01:42:08.479 real estate Man dot com to list your home with Remax Alliance three oh three 1250 01:42:08.560 --> 01:42:21.199 nine two zero sixteen twenty two. Hello, I'm Tom Martino, your troubleshooter 1251 01:42:21.279 --> 01:42:26.399 three three seven one three talks seven one three eight two five five. We're 1252 01:42:26.439 --> 01:42:28.760 running out of time this hour. I have another hour Togo. I urge 1253 01:42:28.760 --> 01:42:32.399 you to call. And I do have some question for Paul on some water 1254 01:42:32.520 --> 01:42:36.520 systems, but in general, on the health we talked about. We want 1255 01:42:36.520 --> 01:42:44.760 to touch on Paul. There are actually people you're saying that track now nanoplastics 1256 01:42:44.840 --> 01:42:49.439 in people coming from water? Is that the main place plastics are coming from? 1257 01:42:50.479 --> 01:42:54.840 Right? Absolutely correct? And then I've read one article that was a 1258 01:42:54.880 --> 01:43:00.199 study done in Europe where they're concerned about it being airborne. What us. 1259 01:43:00.720 --> 01:43:04.800 You know, it's incredible. What's going on. We're gonna talk about this 1260 01:43:04.920 --> 01:43:11.439 more coming up plus your calls. Three oh three Martino, Go with a 1261 01:43:11.479 --> 01:43:15.840 sure thing Denver's best roofer Excel Roofing dot com. You don't pay a cent 1262 01:43:15.039 --> 01:43:21.840 until you're content. Time for an insurance check up free, no obligation. 1263 01:43:21.880 --> 01:43:27.359 In comparison, call Compass Insurance. Pay too much your coverage at dozens of 1264 01:43:27.359 --> 01:43:30.359 insurance companies find out now three oh three seven seven to one help. You'll 1265 01:43:30.359 --> 01:43:34.199 think you're his only customer when you choose Frank durand the real estate man dot 1266 01:43:34.239 --> 01:43:39.920 Com to list your home with Remax Alliance three oh three nine two zero sixteen 1267 01:43:40.000 --> 01:43:55.520 twenty two rift. You need that so you don't have runious as fast as 1268 01:43:55.520 --> 01:44:02.439 we can shoot, it's gonna help. Come Dix is the Trouble Shooter Show. 1269 01:44:02.600 --> 01:44:11.199 No Tom Martino Time Tom Martino Your trouble Shooter three oh three seven one 1270 01:44:11.279 --> 01:44:15.119 three Talk three oh three seven one three eight two five five. Welcome to 1271 01:44:15.119 --> 01:44:18.159 the Only Show if it's kind of anywhere in the universe where we are solving 1272 01:44:18.159 --> 01:44:20.960 your problems, answer your questions, taking your complaints, making your life a 1273 01:44:20.960 --> 01:44:28.520 little easier. And today I wanted to talk a little bit about microplastics or 1274 01:44:28.640 --> 01:44:33.159 nano plastics. I guess nano is the smallest of particles. See. I 1275 01:44:33.199 --> 01:44:36.279 don't want to sound like a crazy person, but plastics are one of the 1276 01:44:36.279 --> 01:44:42.920 biggest problems we have right now in the environment because they don't go away now 1277 01:44:43.039 --> 01:44:45.600 they break down. There are new plastics, of course that break down, 1278 01:44:45.640 --> 01:44:51.880 but I'm talking about normal let's say normal plastics. Normal plastics from petroleum based 1279 01:44:51.960 --> 01:45:00.640 products, bottles, containers, They only disintegrate to a certain extent and then 1280 01:45:00.680 --> 01:45:08.399 become nanoparticles. These nanoparticles leach their ways into your water, into the environment, 1281 01:45:09.239 --> 01:45:14.119 into our systems, and they actually have been measured. Paul the waterman 1282 01:45:14.920 --> 01:45:18.920 at waterpos dot net has really become interested in this. Of course, he 1283 01:45:19.000 --> 01:45:30.039 alerted me years ago to forever chemicals which are pfas and pfas have poisonous properties, 1284 01:45:30.079 --> 01:45:33.520 of course, and so do other contaminants in water. You can filter 1285 01:45:33.640 --> 01:45:41.199 those, and right now you can filter nanoplastics to some degree. But it's 1286 01:45:41.279 --> 01:45:45.319 in everything, in meat and food restaurants. So, Paul, are you 1287 01:45:45.439 --> 01:45:50.000 just saying just give up? I mean, when you talk about nanoplastics even 1288 01:45:50.319 --> 01:45:56.319 possibly being airborne, talk about some of the research you've been reading about. 1289 01:45:56.359 --> 01:46:00.680 Because this is chilling, it's pretty scary. And so I'm learning that, 1290 01:46:00.800 --> 01:46:05.319 for example, you can either google this or go on bing typing microplastics in 1291 01:46:05.359 --> 01:46:09.119 our body. You'll see the stories that I'm talking about. Now, is 1292 01:46:09.119 --> 01:46:13.720 it micro nano? What's the proper term, Well, it's microplastics. And 1293 01:46:13.800 --> 01:46:18.560 then now they're talking about nanoplastics thanks to bottle water contamination and the nanoplastics found 1294 01:46:18.960 --> 01:46:24.000 in the three major brands a bottle of water. And so what's happening is 1295 01:46:24.000 --> 01:46:28.199 is that you know, it's becoming apparent that these contaminants are you know, 1296 01:46:28.239 --> 01:46:32.399 penetrating the human body. They're they're talking I've read stories where this this could 1297 01:46:32.399 --> 01:46:39.039 contribute to heart disease. So we're are we talking about the chemical part of 1298 01:46:39.119 --> 01:46:45.479 the plastic or the mechanical plastic itself. The plastic plastic just as a as 1299 01:46:45.520 --> 01:46:49.840 a as a mechanical thing, right, it's a physical thing, right, 1300 01:46:49.920 --> 01:46:57.000 and it gets smaller than you know, assessme seed and these these these plastics 1301 01:46:57.560 --> 01:47:00.600 you know, are building up in our body. Nine News last week because 1302 01:47:00.840 --> 01:47:03.399 I think you go on their website and I sent you the video. Nine 1303 01:47:03.399 --> 01:47:09.319 News did a story with a local cardiologist talking about it, and it's something 1304 01:47:09.359 --> 01:47:12.800 I think that we need to investigate more where you know, this is more 1305 01:47:12.840 --> 01:47:15.640 important in my opinion than any you know, global warming issue because water is 1306 01:47:15.720 --> 01:47:20.600 life and you know, the theory is that these plastics can get into our 1307 01:47:20.720 --> 01:47:24.960 vegetables that you know, the gardens we're going to be growing this yere based 1308 01:47:25.000 --> 01:47:30.800 upon the contamination in the water. Now, microplastics have been detected in tapwater, 1309 01:47:30.880 --> 01:47:38.640 bottled water, seafood and salt. So as you absorb these things, 1310 01:47:39.279 --> 01:47:45.319 here's the thing, unless they attached to something else, they literally become part 1311 01:47:45.359 --> 01:47:51.199 of your system. Also, they do say that particles are present in the 1312 01:47:51.279 --> 01:47:59.800 air, especially in urban environments. They can be inhaled comes from textiles, 1313 01:48:00.399 --> 01:48:05.680 dust city dust are a significant part of these. Also, skin contact, 1314 01:48:08.119 --> 01:48:15.680 though less common, it can penetrate the skin in certain cosmetic products. So 1315 01:48:15.800 --> 01:48:20.960 on the outside of the body, microplastics can accumulate because they are not bio 1316 01:48:21.239 --> 01:48:28.079 degradable. Now, now, by the way, this is research from the 1317 01:48:28.119 --> 01:48:30.960 internet. I'm doing on several sites, health sites and all of that, 1318 01:48:32.159 --> 01:48:40.199 and then it says here, once inside the body, they accumulate. The 1319 01:48:40.239 --> 01:48:45.880 health effects of long term accumulation are now under investigation. But there's concern that 1320 01:48:46.000 --> 01:48:51.159 first of all, they can cause inflammation, an immune response. And now 1321 01:48:51.439 --> 01:48:57.880 what that means is your body is sensing something inside it and it's sensing it's 1322 01:48:57.920 --> 01:49:02.800 a foreign object. Therefore or it sends healing agents to deal with it, 1323 01:49:02.840 --> 01:49:10.479 which causes inflammation. Inflammation is a body's natural response to healing. But then 1324 01:49:10.520 --> 01:49:15.560 it's supposed to go away once you're healed. The problem is it continues to 1325 01:49:15.560 --> 01:49:24.880 be inflamed because it continually senses this doom. Now, So really, when 1326 01:49:24.920 --> 01:49:30.920 you think about it and the ubiquity of plastics in the environment, it's probably 1327 01:49:31.079 --> 01:49:39.560 one of the most significant health challenges we have today. I totally agree, 1328 01:49:39.720 --> 01:49:45.640 it's all over, it's every aspect. I even did a study or red 1329 01:49:45.680 --> 01:49:51.079 a study that they found these microplastics in beer. Well, no doubt, 1330 01:49:51.119 --> 01:49:54.920 why would it be. I mean, if you think about how much it 1331 01:49:55.159 --> 01:49:59.239 is. Absolutely so, this is something that I think we really need to 1332 01:50:00.199 --> 01:50:01.880 you know, I'm all for it. When the first, you know, 1333 01:50:01.920 --> 01:50:06.199 when they started banning plastic bags before the story broke with grocery stores, I 1334 01:50:06.239 --> 01:50:10.640 thought this was silly. But now I think plastics, we just need to 1335 01:50:10.640 --> 01:50:13.199 get rid of it, and we truly do. Yeah, but but do 1336 01:50:13.239 --> 01:50:17.279 you really what you mean? Okay, even if if we could magically get 1337 01:50:17.359 --> 01:50:23.159 rid of every type of plastic today being made, how much is still in 1338 01:50:23.199 --> 01:50:27.239 the environment that will remain? All of it? All of it? Because 1339 01:50:27.279 --> 01:50:30.600 and not only that, but look at there's countries right now that use the 1340 01:50:30.640 --> 01:50:33.319 ocean as a landfill, so they're dumping that, They're continually to dump this 1341 01:50:33.399 --> 01:50:39.239 stuff, and then it's contaminating the low our oceans, and then when plastics 1342 01:50:39.279 --> 01:50:45.439 break apart, they don't dissolve and go away. That's the problem creole three 1343 01:50:45.560 --> 01:50:49.680 seven one three talk seven one three eight two five five. So it's not 1344 01:50:50.359 --> 01:50:57.239 just in water that we're concerned about. It's in everything. And they attribute 1345 01:50:57.279 --> 01:51:00.399 it to bottled water and other plastics. I mean, but there are plastics 1346 01:51:00.399 --> 01:51:05.600 in literally everything. So now that we've talked about that, at least what 1347 01:51:05.680 --> 01:51:15.600 you can do is try to at least not ingest anymore or ingest as little 1348 01:51:15.640 --> 01:51:20.760 as possible. So how do you do that? I think what we need 1349 01:51:20.760 --> 01:51:24.920 to do is go back to you know, glass bottles. Glass bottles seem 1350 01:51:24.960 --> 01:51:28.439 to be easier to recycle. We went to back in the day in the 1351 01:51:28.479 --> 01:51:31.760 forties there were cardboard straws that seemed to work really well. So we need 1352 01:51:31.760 --> 01:51:34.920 to really think this through and go back to when when when you were a 1353 01:51:35.000 --> 01:51:38.960 kid and I was a kid, they had cardboard containers and everything he had 1354 01:51:39.000 --> 01:51:42.760 metal containers. You know, metal will break down and rust and deteriorate before 1355 01:51:42.840 --> 01:51:45.840 plastic will. So you know, even back in the day, you know, 1356 01:51:45.960 --> 01:51:49.399 everything your flour, your sugar, your cracker, your crackers came into 1357 01:51:49.439 --> 01:51:56.880 metal container and then everything else was delivered in glass. Wow, I'm I'm 1358 01:51:57.239 --> 01:52:03.119 I'm researching. Are there ways to flush microplastics from your body? I wonder, 1359 01:52:03.439 --> 01:52:08.680 I wonder if there I'm sure there's a lot of Uh, there's a 1360 01:52:08.880 --> 01:52:12.159 there's a there's a theory. There's a I forget the name of it, 1361 01:52:12.239 --> 01:52:15.000 but it's like a cloth that you run your blood through like a filter, 1362 01:52:15.600 --> 01:52:19.640 and the theory is that that cloth, that cloth will accumulate and capture the 1363 01:52:19.640 --> 01:52:25.039 plastic. But it's a sole process. It says, okay, there there 1364 01:52:25.079 --> 01:52:30.119 have not been any So according to the FDA, there's there's no there. 1365 01:52:30.159 --> 01:52:34.039 There isn't anything right now. No, not right now. But they're they're 1366 01:52:34.319 --> 01:52:38.359 they're they're in Europe. They're trying to say one of the biggest things is 1367 01:52:38.399 --> 01:52:42.319 water filtration, because that's they say, water filtration is the number one way 1368 01:52:42.319 --> 01:52:46.039 it gets into your body. Number two are food choices. So food choices, 1369 01:52:46.800 --> 01:52:51.000 seafood unfortunate. I mean, how do you test there's no test for 1370 01:52:51.119 --> 01:52:56.399 microplastics. No, there's no test. It's it's what what they're testing. 1371 01:52:56.399 --> 01:53:00.560 What they're finding is is that this news article is in the Guardian, is 1372 01:53:00.560 --> 01:53:05.199 that every single placenta they tested was contaminated with plastics and then they went to 1373 01:53:05.319 --> 01:53:10.800 arteries and these were done with cadavers with people that donated their body to science. 1374 01:53:12.760 --> 01:53:15.680 Well, this is frightening three all three seven one three talk seven one 1375 01:53:15.720 --> 01:53:17.600 three eight two five five. Do you have a problem, question or complain, 1376 01:53:17.680 --> 01:53:20.640 Give us a call. There's a lot going on. And I also 1377 01:53:20.720 --> 01:53:26.439 want to ask you if you found out about that AT and T data breach, 1378 01:53:26.680 --> 01:53:30.840 A giant data breach, so everyone, I think this should not be 1379 01:53:30.960 --> 01:53:40.239 optional. I believe everyone should have a credit freeze. It's not just if 1380 01:53:40.279 --> 01:53:46.239 you suspect something. You should have a credit freeze, meaning you have to 1381 01:53:46.319 --> 01:53:50.680 have a pin. You go online and enter your pin to unlock it and 1382 01:53:50.720 --> 01:53:55.000 then lock it, unlock it, and lock it so when you go to 1383 01:53:55.039 --> 01:53:59.359 apply for something, you unlock it. Then when you're done, you lock 1384 01:53:59.439 --> 01:54:03.960 it so no one can get credit history on you. And that'll shut down 1385 01:54:04.279 --> 01:54:13.279 ninety eight percent of all new accounts because you are locking it. And that 1386 01:54:13.439 --> 01:54:18.199 is one of the safest things you can do. But this data breach was 1387 01:54:18.199 --> 01:54:26.520 announced Saturday. They said millions of consumers data past, present, past and 1388 01:54:26.560 --> 01:54:33.000 present, not just current ones. They say the pass codes and everything they're 1389 01:54:33.039 --> 01:54:39.319 talking about even a former account holder. I'm a former account holder. Sixty 1390 01:54:39.439 --> 01:54:45.520 five million former account holders were hacked as well, So you need to make 1391 01:54:45.560 --> 01:54:47.279 sure. Now, you might say, so, what's the big deal, 1392 01:54:47.319 --> 01:54:53.359 Well, the big deal it's not a big deal as far as AT and 1393 01:54:53.439 --> 01:54:58.279 T goes. They can easily shut that down knowing there was a breach and 1394 01:54:58.640 --> 01:55:02.159 examine those accounts. But if they get your information, many times when we 1395 01:55:02.239 --> 01:55:08.880 apply for AT and T or any kind of any kind of business, a 1396 01:55:09.119 --> 01:55:13.359 phone, a phone bill, an account, we're putting in our name, 1397 01:55:13.800 --> 01:55:18.119 our address, our social all of our information. And that's enough for people 1398 01:55:18.199 --> 01:55:25.319 to establish fake identities. And that's where the danger is. They're not necessarily 1399 01:55:25.359 --> 01:55:28.960 who cares if they hack into your AT and T right now? What really 1400 01:55:29.000 --> 01:55:31.600 matters is what they do with the other information. So we're going to talk 1401 01:55:31.640 --> 01:55:35.920 about that and more. Give us a call three oh three seven one three 1402 01:55:35.960 --> 01:55:45.319 talk three oh three seven one three eight two five five Go with a sure 1403 01:55:45.399 --> 01:55:49.960 thing Denver's Best roofer Excel roofing dot com. You don't pay a cent until 1404 01:55:49.960 --> 01:55:57.560 you're content. Time for an insurance check up free, no obligation. In 1405 01:55:57.560 --> 01:56:01.840 comparison, call Compass insurance too much your coverage at dozens of insurance companies. 1406 01:56:01.920 --> 01:56:05.159 Find out now three all three seven to seven to one help. You'll think 1407 01:56:05.199 --> 01:56:10.199 you're his only customer when you choose Frank durand the real estate man dot com 1408 01:56:10.239 --> 01:56:14.920 to list your home with Remax Alliance three all three nine two zero sixteen twenty 1409 01:56:14.920 --> 01:56:26.960 two. Hi Tom Martino here three oh three seven to one three talk three 1410 01:56:27.000 --> 01:56:34.560 oh three seven one three eight two five five. So return policies have changed, 1411 01:56:34.640 --> 01:56:39.640 by the way, for a lot of companies. They used to be 1412 01:56:39.920 --> 01:56:45.960 so liberal with their policies, but they're tightening up a bit. Amazon, 1413 01:56:47.399 --> 01:56:54.199 by the way, has instituted new ones. Some returns have restocking fees. 1414 01:56:54.279 --> 01:56:59.880 Now, now, now that's not such a big I love Amazon, I 1415 01:57:00.079 --> 01:57:02.000 really do. I mean, I have to admit I almost hate that. 1416 01:57:02.039 --> 01:57:05.840 I love them, but they have everything they have overnight. I mean I 1417 01:57:05.960 --> 01:57:12.239 almost never wait for anything, so I don't care about a small restocking charge. 1418 01:57:12.880 --> 01:57:23.439 Some locations have dollar drop offs, so you may have to pay a 1419 01:57:23.560 --> 01:57:30.760 dollar drop off instead of restocking fee so for each item. Then also best 1420 01:57:30.840 --> 01:57:39.039 Buy, they have reduced their returns. First of all, there are some 1421 01:57:39.760 --> 01:57:49.520 restocking fees. Then Costco has a ninety day return policy for TVs, computers, 1422 01:57:49.600 --> 01:57:53.680 cameras, smart watches, MP three players, in other words, technology, 1423 01:57:53.760 --> 01:58:00.560 monitors, appliances. That's costco now has ninety days. It used to 1424 01:58:00.640 --> 01:58:08.319 be unlimited home depot ninety days. On other things two to thirty days, 1425 01:58:08.640 --> 01:58:15.359 so some things have only forty eight hours depending on what you buy Cohle's listen 1426 01:58:15.399 --> 01:58:28.479 to this on premium electronics, one hundred and eighty day deadline for most a 1427 01:58:28.680 --> 01:58:31.159 ninety day at Macy's. Macy's is kind of going away. Who cares about 1428 01:58:31.199 --> 01:58:36.560 Marshalls, and then that's about it. Ninety days for Target, ninety days 1429 01:58:36.560 --> 01:58:45.760 for Walmart. But major appliances only two days. Listen to that. Thirty 1430 01:58:45.840 --> 01:58:54.319 days for most electronics, fourteen days for cell phones, and then ninety days 1431 01:58:54.319 --> 01:59:00.239 for everything else. So here's here's the point. Be careful and be aware 1432 01:59:00.439 --> 01:59:06.880 of return policies so you know them before you buy. Berlin. What's going 1433 01:59:06.920 --> 01:59:15.439 on with you? Hi? I'm Tom Martinez. What's going on Berlin? 1434 01:59:15.039 --> 01:59:21.119 Berlin? Yes, sir? What's happening? Yes, sir? So I 1435 01:59:21.239 --> 01:59:29.600 remember I was actually employed with Denver Parks and Recreation as a youth sports close 1436 01:59:29.680 --> 01:59:33.159 and I have been in that position for four years thus recently, I had 1437 01:59:33.159 --> 01:59:35.319 an ultericate. Well, I didn't even have an altercation. It was just 1438 01:59:35.359 --> 01:59:40.560 the issue that had occurred at the gym during one of our playoff games. 1439 01:59:41.159 --> 01:59:45.760 What happened? What happened? So, my team is a minority team and 1440 01:59:45.800 --> 01:59:51.279 the other team that we were playing, they were all white. And the 1441 01:59:51.359 --> 01:59:54.880 team that the game had kind of got a little head. Did I see? 1442 01:59:56.399 --> 02:00:00.279 The game had got a little heated on while they were playing. We 1443 02:00:00.319 --> 02:00:05.600 had got a chick and the other team started winning while that team started talking 1444 02:00:05.640 --> 02:00:13.319 stuff to our girls and calling them monkeys, beanners, black monkeys. Wait 1445 02:00:13.399 --> 02:00:16.760 a minute, Berlin, was the other team all white? In your team 1446 02:00:16.800 --> 02:00:24.279 all black? Our team was black and Mexicans. And and they were all 1447 02:00:24.319 --> 02:00:29.840 these girls. Are these girls teams? Yes they are. They're nine and 1448 02:00:29.920 --> 02:00:34.880 ten. Okay, now are you are? You're not exaggerating, right? 1449 02:00:35.000 --> 02:00:41.600 Were they really calling out names like that? Yes? And it was so 1450 02:00:41.760 --> 02:00:44.399 you know, they got separate stands, so one, you know, their 1451 02:00:44.439 --> 02:00:47.600 parents on one stand, our parents on the others. Our parents were sitting 1452 02:00:47.640 --> 02:00:50.479 there witness it was it was, it was so crazy. So our parents 1453 02:00:50.520 --> 02:00:55.960 were witnessing everything that was going on on the bench. They were when when 1454 02:00:56.159 --> 02:01:03.159 was this game was about two three, about three weeks ago. Yeah, 1455 02:01:03.159 --> 02:01:09.359 because I actually just got the call. Actually, so this game got heated. 1456 02:01:11.479 --> 02:01:17.520 The game got heated and against an all white team, correct, and 1457 02:01:17.560 --> 02:01:25.479 they started calling racial names at the girls, disgusting names. Correct. Yep. 1458 02:01:26.399 --> 02:01:30.880 Now is your youth basketball team just happened to be black and hispanic. 1459 02:01:30.920 --> 02:01:32.760 But they don't prohit, I mean they don't. In other words, a 1460 02:01:32.840 --> 02:01:38.239 white girls could play there they wanted, right, correct, yes, correct, 1461 02:01:38.920 --> 02:01:44.680 it just happens to be mostly black and Hispanic girls. Correct. Yes, 1462 02:01:45.279 --> 02:01:49.359 Okay, So then when when this game got heated and those names started, 1463 02:01:49.399 --> 02:01:55.840 what happened then? So actually nothing was a dressed during the game, 1464 02:01:55.960 --> 02:01:59.520 even with the parents being loud in our rate, nothing was addressed with that 1465 02:01:59.600 --> 02:02:02.760 team at all. So once the team ended, the game ended, you 1466 02:02:02.760 --> 02:02:08.000 know, we lost, the other team won. We went to go shake 1467 02:02:08.039 --> 02:02:10.680 hands with the other team, you know, lineup, everybody passed each other 1468 02:02:10.760 --> 02:02:13.960 shake hands. The girls didn't want to shake their hands, like they just 1469 02:02:14.119 --> 02:02:16.800 kind of put their hand out like whatever. So you know our team, 1470 02:02:16.880 --> 02:02:19.199 you know, I still tell the girls, you know, I carry yourself 1471 02:02:19.199 --> 02:02:21.880 accordingly, don't worry about it. The game is over with. Let's go. 1472 02:02:23.680 --> 02:02:27.720 So we we went to go leave, walk out to go up through 1473 02:02:27.760 --> 02:02:30.199 the lobby. While we were walking through the lobby, the same little girls 1474 02:02:30.199 --> 02:02:35.000 that were calling names were calling the girls tracks and leaners again. And this 1475 02:02:35.159 --> 02:02:41.279 was actually in the lobby in front of the lobby worker and one of the 1476 02:02:41.439 --> 02:02:45.199 directors, which who was in the gym when all of this was going down, 1477 02:02:45.399 --> 02:02:47.479 never said anything. Never, never said anything to the parents. So 1478 02:02:47.720 --> 02:02:53.199 did a did a fight breakout or anything? No, no fight, not 1479 02:02:53.319 --> 02:02:58.560 yet. So in the hallway, everybody just started exchanging a word. They 1480 02:02:58.600 --> 02:03:01.680 were, you know, wire your kids the names d d well. I 1481 02:03:01.840 --> 02:03:05.840 walked outside where the rest of the girls were my team, and then a 1482 02:03:05.840 --> 02:03:12.079 couple of the other moms and the mom of one of the daughters who was 1483 02:03:12.119 --> 02:03:15.560 calling the girls black monkeys and dinners happened to be out there. So I 1484 02:03:15.640 --> 02:03:19.800 went outside and I said, hey, I'm one of the coaches. I 1485 02:03:19.840 --> 02:03:23.079 was like, hey, you know, I speak with you for a second. 1486 02:03:23.119 --> 02:03:24.960 And I pulled her to the side and I was just like, hey, 1487 02:03:24.960 --> 02:03:27.720 I'm not too sure what's going on. And she was like, you 1488 02:03:27.760 --> 02:03:32.319 know what, She's like, your girls called my daughter a bee. And 1489 02:03:32.479 --> 02:03:34.239 that's why it went the way that it did, and I was like, 1490 02:03:34.239 --> 02:03:36.760 okay, well, you know, let's let's just apologize, you know, 1491 02:03:36.920 --> 02:03:41.880 let's have the girls, both teams apologize, and then you know, we 1492 02:03:41.880 --> 02:03:45.000 can just move accordingly. Well, she didn't want that. She said, 1493 02:03:45.039 --> 02:03:48.359 no, Now, this woman you were talking to was just one Was it 1494 02:03:48.479 --> 02:03:53.359 just one of the parents or was it a coach? So no, it 1495 02:03:53.439 --> 02:03:56.199 was a parent. It was a parent to one of the little girls. 1496 02:03:57.600 --> 02:04:00.039 So keep going the girls. So you said, hey, why don't we 1497 02:04:00.119 --> 02:04:03.159 just try to end this, let's try to apologize, and she said no. 1498 02:04:04.479 --> 02:04:09.199 Yeah, I think she said no. So her daughter, the one 1499 02:04:09.239 --> 02:04:15.159 that was initially calling them name, stuck her tongue out and started like hell 1500 02:04:15.760 --> 02:04:17.600 because her mom says, she wasn't gonna apologize. She wasn't gonna make her 1501 02:04:17.600 --> 02:04:19.640 apologize. So, you know, I said, well, you know, 1502 02:04:19.720 --> 02:04:23.039 this is what's going on in the world. I said, you know this, 1503 02:04:23.039 --> 02:04:25.479 this is taught at home. You know, you're not telling your daughter 1504 02:04:25.800 --> 02:04:28.920 the correct things. Said do works right, I said, you're allowing her 1505 02:04:28.920 --> 02:04:30.880 to sit here and call these girls names and the girls. Now, meanwhile, 1506 02:04:30.960 --> 02:04:35.119 were there other adults around, Oh yeah, oh yeah, there was 1507 02:04:35.239 --> 02:04:40.319 every our team with all of their parents. And then their team with all 1508 02:04:40.359 --> 02:04:43.720 of their parents. Everybody was so it was it was a mess. It 1509 02:04:43.880 --> 02:04:47.680 was lucky, no, but nobody got handy, right, not yet, 1510 02:04:48.479 --> 02:04:54.720 So we keep going down. We walked into her walking down me and the 1511 02:04:54.840 --> 02:04:57.920 mom of the little girl that was calling him and done to that. Look 1512 02:04:58.039 --> 02:05:03.680 just look okay. We're walking down the sidewalks and the mom's talking stuff, 1513 02:05:03.720 --> 02:05:05.720 and so I'm talking stuff and I'm telling I'm like, you know, this 1514 02:05:05.920 --> 02:05:10.560 is this is BS. You know, you're letting your daughter call people's names, 1515 02:05:10.640 --> 02:05:14.640 Braylyn, come letting let the girls, you know, call them names 1516 02:05:14.680 --> 02:05:17.800 and stuff and you're not going to address or anything. And then I told 1517 02:05:17.800 --> 02:05:21.439 her she was racist, and she turned around because she was walking in front 1518 02:05:21.479 --> 02:05:25.319 of me, So she turned around. I know, Braylyn. She turned 1519 02:05:25.359 --> 02:05:28.520 around and she came back to me and she put her finger in my face 1520 02:05:28.560 --> 02:05:32.359 and like you know what she was SMB. If you guys didn't act like 1521 02:05:32.640 --> 02:05:38.119 I said, monkeys, we wouldn't have to address that such wow, holy 1522 02:05:38.319 --> 02:05:42.640 crap. Actually she put her hand in my face. So I slapped her 1523 02:05:42.680 --> 02:05:44.840 hand out of my face because I didn't know what she was gonna do. 1524 02:05:44.880 --> 02:05:46.039 I didn't know if she's going to hit me. I didn't know. I 1525 02:05:46.079 --> 02:05:48.760 didn't know. I didn't know what she was doing. So I didn't leave 1526 02:05:48.800 --> 02:05:51.479 and moved her hand from my face, and I told her that she had 1527 02:05:51.520 --> 02:05:56.880 lost hers in mind. And so at this point she talks on the phone 1528 02:05:56.920 --> 02:05:59.199 and she was like, I'm calling the police. I feel straight and I 1529 02:05:59.319 --> 02:06:04.079 feel harm. She's like, okay, you're gonna You're gonna beat me up. 1530 02:06:04.239 --> 02:06:10.720 It was just started making all kinds of Sumplin Berlin. When she put 1531 02:06:10.760 --> 02:06:15.279 her finger in your face, did she touch you? No? She well, 1532 02:06:16.159 --> 02:06:18.960 she was right in front of my nose. I know what you mean. 1533 02:06:19.079 --> 02:06:21.800 I know. And and then you just like slapped her hand out of 1534 02:06:21.840 --> 02:06:26.039 the way. Yes, yes, I just look out the way, you 1535 02:06:26.119 --> 02:06:28.239 know, I thought her. I said, you don't took this so far 1536 02:06:28.479 --> 02:06:32.520 I was trying for So then did she call the police? Yes, she 1537 02:06:32.640 --> 02:06:34.600 did? All right, hold on, Berlin, I want to hear. 1538 02:06:35.079 --> 02:06:39.319 I got to hear where this ended. This sounds terrible, And of course 1539 02:06:39.359 --> 02:06:43.640 we're only getting your side, but even hearing your side, even if you 1540 02:06:43.760 --> 02:06:45.720 were yelling back, okay, what's the big deal? Everyone was yelling. 1541 02:06:46.479 --> 02:06:56.680 We got we'll talk about this and more coming up on the troubleshooter show go 1542 02:06:56.840 --> 02:07:00.439 with a sure Thing Denver's Best Rufer Excel Roofing. You don't pay a cent 1543 02:07:00.680 --> 02:07:09.520 until you're content. Time for an insurance check up free no obligation comparison call 1544 02:07:09.680 --> 02:07:14.600 Compass Insurance paying too much your coverage at dozens of insurance companies find out now 1545 02:07:14.720 --> 02:07:17.520 three oh three seven seven to one help. You'll think you're his only customer 1546 02:07:17.600 --> 02:07:21.159 when you choose Frank durand the real estate man dot com to list your home 1547 02:07:21.439 --> 02:07:36.720 with Remax Alliance three oh three nine two zero sixteen twenty two. Hi Tom 1548 02:07:36.800 --> 02:07:44.319 Martine here three oh three seven one three tog three O three seven one three 1549 02:07:44.560 --> 02:07:50.600 eight two five five. So. Then Berlin says she coaches a or she 1550 02:07:50.760 --> 02:07:57.800 coached a youth basketball team girls Hispanic and black. During a game with an 1551 02:07:57.800 --> 02:08:01.319 all white team, it got heated. They were calling them disgusting names. 1552 02:08:01.479 --> 02:08:05.359 Then afterwards it got heated with parents and kids all yelling at each other. 1553 02:08:07.079 --> 02:08:11.239 She starts, uh, she starts walking away. Another woman put a finger 1554 02:08:11.279 --> 02:08:13.560 in her face. She knocked a finger out of her face, Keep going 1555 02:08:13.640 --> 02:08:20.920 what happened? Then she actually gets behind my car and she tells them, 1556 02:08:20.960 --> 02:08:24.640 says I'll call the police and that I better not leave. I left. 1557 02:08:24.680 --> 02:08:28.760 Anyways, I left, and she did call the police. They went up 1558 02:08:28.880 --> 02:08:35.119 to the rec center in which they took her statement and they, uh, 1559 02:08:37.720 --> 02:08:39.479 what did they do? They dealt with my employer, which I had a 1560 02:08:39.560 --> 02:08:43.079 game that next day. That was on a Friday night. I had a 1561 02:08:43.119 --> 02:08:46.399 game that Saturday morning. Who to your employer that that? Did that woman 1562 02:08:46.520 --> 02:08:52.880 call your employer the lady, Were you charged? Were you charged with anything? 1563 02:08:54.000 --> 02:08:58.520 No? At the moment, no, I'm still dealing with the police 1564 02:08:58.600 --> 02:09:03.319 and with the people from the well actually I'm not even dealing with them no 1565 02:09:03.439 --> 02:09:05.279 more, because they called me the day that I sent you a message and 1566 02:09:05.319 --> 02:09:09.840 told me that they terminated me. So wait wait wait, wait wait, 1567 02:09:09.920 --> 02:09:13.159 I don't know hold on, So they reported you, the woman reported you, 1568 02:09:13.880 --> 02:09:20.319 and you were fired. Yeah, I was. I actually reported back 1569 02:09:20.399 --> 02:09:22.680 as Saturday morning because I had my boys playoff game. Remind you, I 1570 02:09:22.800 --> 02:09:26.680 coached four teams from the for the Denver part. Okay, they didn't even 1571 02:09:26.720 --> 02:09:31.319 bother asking you your side of the story. No, next thing, they 1572 02:09:31.359 --> 02:09:35.680 didn't ask me anything, so exhibits. So the next day when I went 1573 02:09:35.800 --> 02:09:37.520 back, they told me that I was not allowed on the premise that I 1574 02:09:37.800 --> 02:09:43.000 was deemed unsafe around the youth and parents and that I needed to get off 1575 02:09:43.039 --> 02:09:45.359 of the property, or that they were going to call it. Were there 1576 02:09:45.399 --> 02:09:50.279 any were there any parents on your side that stuck up for you? Oh? 1577 02:09:50.399 --> 02:09:54.359 Yeah, Actually all of the parents that were on my team, all 1578 02:09:54.399 --> 02:09:56.439 the parents that were on my team where they're and senior, and they they 1579 02:09:56.560 --> 02:10:03.640 all said it was it was just terrible how they handled everything so much. 1580 02:10:03.760 --> 02:10:07.479 They still they went and wrote, they went and wrote statements. A couple 1581 02:10:07.560 --> 02:10:11.840 of parents. I have a couple of parents statements as well. One of 1582 02:10:11.880 --> 02:10:13.760 the moms actually called me the day I got terminated and she told me she 1583 02:10:13.920 --> 02:10:18.600 was still waiting to hear back from the directors. And they've never called her 1584 02:10:18.680 --> 02:10:28.720 back either. Wow, that is unbelievable. Yeah, did they do an 1585 02:10:28.800 --> 02:10:39.399 investigation like you're employer, maybe youry No, they didn't do anything. They 1586 02:10:39.520 --> 02:10:41.279 didn't interview none of my parents, They didn't ask none of my parents for 1587 02:10:41.359 --> 02:10:46.720 their statements, nothing, nothing. You think they went on that one woman's 1588 02:10:46.760 --> 02:10:50.520 word only? So yes, yes, yes, sir, I believe. 1589 02:10:50.600 --> 02:10:52.359 So. When I went in there that day, I had asked him, 1590 02:10:52.439 --> 02:10:56.239 I said, what's going on? I actually was talking to the director and 1591 02:10:56.439 --> 02:11:00.600 he said, oh, you're here soon. Here was like, I didn't 1592 02:11:00.640 --> 02:11:03.279 think that I was gonna see you until after my investigation, which was in 1593 02:11:03.399 --> 02:11:07.520 seven days. And I said in seven days. I said, so you 1594 02:11:07.800 --> 02:11:11.279 were gonna call me in seven days after your investigation to find out what? 1595 02:11:11.600 --> 02:11:16.199 Well? Okay? So bottom line, did they investigate? From what they 1596 02:11:16.279 --> 02:11:20.399 said? Yes, And it was just from what they've seen on the video. 1597 02:11:20.600 --> 02:11:22.279 And they said, is this the first time? Is this the first 1598 02:11:22.319 --> 02:11:28.600 time anything like this ever happened? Ever? Ever? In my four years 1599 02:11:28.640 --> 02:11:33.279 of coaching. I mean, I've had little incidents. Have you ever had 1600 02:11:33.560 --> 02:11:39.680 any issues with police ever? No? No, I have not ever ever? 1601 02:11:39.960 --> 02:11:46.920 Will they even consider giving your job back? No? Because he said 1602 02:11:46.039 --> 02:11:52.279 that I am deemed I am deemed unsafe to use and parents and so for 1603 02:11:52.119 --> 02:11:56.800 if you say the incident or something that I just I can't coach there ever 1604 02:11:56.920 --> 02:12:01.840 again God, And he said that what I have went in there and came 1605 02:12:01.920 --> 02:12:05.039 and told on it first, like I was the one that was scared and 1606 02:12:05.159 --> 02:12:07.840 terrified, then the tables would have been turned. But because she went in 1607 02:12:09.000 --> 02:12:15.560 and played victim, she pretty much just got her way. Yeah, But 1608 02:12:15.960 --> 02:12:22.720 I just don't understand how that can happen where where one person can make that 1609 02:12:22.880 --> 02:12:28.000 difference without any evidence, there must have been corroborating. You know what I 1610 02:12:28.119 --> 02:12:33.159 want to I actually do want to find out if if anybody else, you 1611 02:12:33.239 --> 02:12:35.800 know, like, was there just one person that accused you. This is 1612 02:12:35.920 --> 02:12:41.119 going to be difficult Berlin, because they're simply going to say you were out 1613 02:12:41.159 --> 02:12:43.279 of hand and they had. All they have to say is yes, we 1614 02:12:43.439 --> 02:12:48.319 talked to parents, and they don't have to keep you on. Were there 1615 02:12:48.439 --> 02:12:52.479 other coaches there or are you the only coach? No assistant coaches or anything? 1616 02:12:52.960 --> 02:12:56.000 Yep, there were three of them. They actually got statements from my 1617 02:12:56.119 --> 02:12:58.239 coach. It was all of us, all of us, my coaches. 1618 02:12:58.399 --> 02:13:01.199 Every coach was there, my coach. Okay, so what did your coach? 1619 02:13:01.479 --> 02:13:05.640 Did your coach yell back at them like you did? Oh? Yeah, 1620 02:13:07.359 --> 02:13:09.680 all three of us were the other one my other assistants. Why did 1621 02:13:09.760 --> 02:13:15.439 they single you out? Are you the only one that was fired? Yes, 1622 02:13:15.479 --> 02:13:18.039 sir, yes, sir, And the other coaches can still coach. 1623 02:13:18.119 --> 02:13:20.680 I'm actually supposed to have a season coming up right now for soccer. And 1624 02:13:20.800 --> 02:13:24.119 they said, do you have the name? Do you have a name and 1625 02:13:24.239 --> 02:13:28.479 number of a coach that we can check with as far as like on my 1626 02:13:28.600 --> 02:13:33.760 two people that you know, yes, oh, yes, yes, sir, 1627 02:13:33.920 --> 02:13:39.319 yes, most definitely. Hey, Deputy Doc, why don't we why 1628 02:13:39.359 --> 02:13:43.319 don't we call this not not the the league, but just one of the 1629 02:13:43.399 --> 02:13:46.960 coaches and say, look, off the record, we just want to know 1630 02:13:48.319 --> 02:13:50.640 does this have any legs or was it all you know, like it just 1631 02:13:50.800 --> 02:13:58.720 sounds too weird that on one person uh complaining and they but they said they 1632 02:13:58.840 --> 02:14:03.399 investigated. So if that give us the name of a coach that was there, 1633 02:14:03.560 --> 02:14:07.239 I we'd like to check with someone who was there to get their impression 1634 02:14:07.319 --> 02:14:09.760 of what happened. 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You'll think you're his only customer 1651 02:15:26.279 --> 02:15:28.840 when you choose Frank Durand the real estate Man dot com to list your home 1652 02:15:30.119 --> 02:15:35.039 with Remax Alliance three oh three nine two zero sixteen twenty two. Paul the 1653 02:15:35.159 --> 02:15:39.720 Waterman, It's Waterpros dot net three oh three eight six two five five five 1654 02:15:39.840 --> 02:15:43.800 four. When he's not here, We've had a lot of information today. 1655 02:15:43.880 --> 02:15:46.720 He's a wealth of information. Three oh three eight six two five five five 1656 02:15:46.800 --> 02:15:50.960 four waterpros dot net. Hey, Sammy, what's your question on taxes? 1657 02:15:54.199 --> 02:15:56.920 All right, Tom, Sammy denk with tax notice? Can you hear me? 1658 02:15:58.079 --> 02:16:03.600 Yes? I ken you guys. Delinquent tax notice? Yes, from 1659 02:16:03.840 --> 02:16:11.359 twenty eighteen, okay, commercial mull commercial property that I owned, And they 1660 02:16:11.399 --> 02:16:18.640 said the renter with me forever ever one time, and they said I would 1661 02:16:18.880 --> 02:16:24.920 what kind of tax property? Tax? Property property? Yes, and I 1662 02:16:24.039 --> 02:16:31.159 haven't. Okay, I've been out since nineteen eighty five. I have no 1663 02:16:31.359 --> 02:16:33.719 property in there at all ever, never read anything that was the business. 1664 02:16:35.239 --> 02:16:37.639 And well, wait a minute, why are you getting a property notice from 1665 02:16:37.719 --> 02:16:43.399 twenty eighteen if you didn't own it since two thousand and five? Well, 1666 02:16:43.520 --> 02:16:48.399 I don't know. I you know, I went up and talked about so 1667 02:16:48.479 --> 02:16:52.159 they've never changed it on the tax. What did you own in that area? 1668 02:16:54.120 --> 02:16:58.040 I want to us a smoke car lone and I've rented it out in 1669 02:17:01.879 --> 02:17:07.399 a twenty shit, I probably rented it out and twenty five years ago. 1670 02:17:07.479 --> 02:17:11.120 It's been rented out for twenty five years. Yeah, but do you still 1671 02:17:11.239 --> 02:17:16.440 own it the property? I owned the property, yes, Because so I 1672 02:17:16.559 --> 02:17:22.879 got two different answers. One guy told me that I was still responsible for 1673 02:17:22.000 --> 02:17:26.879 the property tax or the personal property tax if I owned the property, even 1674 02:17:26.879 --> 02:17:31.920 if the guy that I rented it to moved to New Mexico retired nine years 1675 02:17:31.000 --> 02:17:35.600 eight years ago. Well, hold on a second, did this when you 1676 02:17:35.719 --> 02:17:39.680 say personal property tax, elaborate for me? How a little on that? 1677 02:17:39.840 --> 02:17:45.040 What do you mean? What do you mean personal property tax? Your computer, 1678 02:17:45.319 --> 02:17:48.879 your water fountain, your chairs? Okay, hold on, did you 1679 02:17:48.200 --> 02:17:52.760 own that stuff or did he own it? He owned it? I didn't 1680 02:17:52.799 --> 02:17:58.319 know. I've been collecting rent for twenty plus years. No, I understand 1681 02:17:58.559 --> 02:18:03.680 that you were collecting rent. He had a business. Do you know if 1682 02:18:03.840 --> 02:18:11.399 he filed personal property tax on the business in previous years? Why? He 1683 02:18:11.520 --> 02:18:13.600 must have, because I you know, I got this. This is the 1684 02:18:13.639 --> 02:18:16.639 first one I've ever got. I've owned to property. Okay, Sammy, 1685 02:18:18.159 --> 02:18:24.200 Sammy, when did he leave? Uh? He left early twenty eighteen, 1686 02:18:24.840 --> 02:18:26.879 like March. Okay, we're gonna I'll tell you what we're gonna do. 1687 02:18:28.280 --> 02:18:33.319 We're going to get an expert on for you tomorrow to answer this. Hold 1688 02:18:33.399 --> 02:18:37.399 on, I'm Tom Martino. Don't forget waterpros dot net three oh three eight 1689 02:18:37.479 --> 02:18:41.920 six two five five five four and of course three oh three Martino for help,