WEBVTT

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Yeah, ripped of nedn't need advice, so you don't have come running.

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Just as fast as we can,
Shooter's gonna help come man, this is

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the Troubleshooter Show now Tom Martine.
Hey, I'm Tom Martino. Welcome to

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the show. Three O three seven
one three talk three oh three seven one

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three eight two five five. Here
to help you solve problems, answer questions,

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take complaints, make your life a
little easier. You know. We

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do that each end, every day. And all I want to do is

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help. That's what I want to
do. So what you can do is

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call me if you need help,
information, referrals, and you know,

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here's the deal. Today is Valentine's
Day. A lot of information on Valentine's

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Day. I have consumer ination.
Let's to say. Romance scams are just

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devastating people, especially older women,
are falling for romance scams. Believe it

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or not, they're the biggest target. Now you would have thought it was

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older men or middle aged men.
It's older women falling prey sending money.

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That's the bottom line. Men,
get in your trust. Men, you

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haven't even met people you're on social
media with. Supposedly photos are exchanged us

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or picks as they say, videos, sometimes whatever, but never a zoom

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call. They just text or sometimes
they call on the phone and it turns

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out to be phony. Now there
are countless examples of this, yet women

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fall for it every day. Now
men do too, but mostly women.

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So do you know someone who's had
a romance scam? Or have you fallen

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for a romance scam? Or are
you afraid someone is falling for a romance

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whatever you want. Three h three
eight six two five five five four Brandy,

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What is on your mind? Brandy? And how can we help you?

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Hello? Brandy, Hi, my
daughter's friends went to the bar on

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birthday night in Laramie, and she
left with a young man and texted her

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friends Friday that she made it home. That was the last anybody heard from

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her. She Oh my god,
Wait a minute, Brandon, Wait a

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minute. So she was at a
bar. Now, I want to ask

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a couple of things here. This
is your daughter's friend. Yes, her

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name's Sabrina Geller. Okay, And
it was in Laramie, you said,

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yes, my daughter and her friend. They went to the police and told

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him she was missing. After a
couple of days, the police fold her

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she probably went into the woods to
commit suic item to drop it. Wait

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a minute, now, I want
to There's a whole bunch I need to

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ask, Brandy. How long has
your daughter known this friend? Since she

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grew up with her, since she
was a child. She's now was the

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friends suffering? Was the friend's suffering
from any depression or any anxiety or life

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problems? Sure not that she knows, right? Okay? Did the police

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really say she probably committed suicide?
Leave it alone? Yes, sir?

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Did she really? I mean,
does she have proof of that? Yes,

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sir? They told her to.
My daughter asked, wouldn't you at

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least like to go look for the
body so that her mom can bury her.

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And they said, we can't right
now. So my daughter ended up

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point and looking for and they went
and searched. Heh, wait a minute,

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I need to know some stuff here. The bar that she went to.

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Did anyone go to the bar and
say, does anyone know the young

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man? Did anyone? Don't to
the bar? She knew the man to

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begin with. These are both National
Guards or her young the young man?

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We're both nash? Wait, wait, way, so you know for a

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fact the young man she left with
was National Guard? Yes, how do

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you know that? How do you
know that her friend? It's her friend.

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They went back to the bar.
They looked at the videotape. They

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saw them leave together. They saw
another videotape of them getting in her car

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together. Who did this? The
police? No, police won't wait a

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minute. So this did this National
guardsman she left with? Has he been

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identified? I don't believe publicly?
Know what I don't mean publicly? I

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can't, Brandy, this sounds where's
your daughter right now? Can we talk

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to her? No? I'm in
Nebraka. I actually just got to work.

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You guys called me on my way
to work. Okay, good because

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you called us. We called you
back. Now now, now, Brandy,

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I gotta ask a question. Your
daughter is your order in the National

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Guard. No, my daughter was
going to school in Laramie. And now,

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but was she at the bar?
Was she at the bar with the

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with the young lady or with the
guardsman? Her and her friend were and

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went back to the bar afterwards and
watched the video. Kid, Yes,

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they are the ones that are all
but they were all together when she left

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with this young man. No,
they left first and then went back afterwards

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to find out what they left her. They left their friend, the woman

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in the National Guard. They left
her at the bar and was told friends

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from the National arm and her and
they were told she left with a young

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man from the National Guard. Correct. And when they looked at the video,

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did you did your daughter see the
video? Yes? Did your daughter

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see her leaving with this young man? Yes? Did anyone attempt to see

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who this young man is? Yes? And okay, did they question this

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young man my daughter has yes?
And his story has changed three times?

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Okay, Now, this woman,
what's her first name? Sabrina? Geller

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Uh I said, first name,
Sabrina. So, Sabrina. When was

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this when did this happen? Thursday? And she Sabrina Geller, has not

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been seen from since her body was
found last night. Oh my god,

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well you should I think you should
have led with that one. Oh oh

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my god. Okay, hold on
out. Her body was found and now

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does it look like suicide? I
don't know it? No, Okay,

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So they found us. Why I
was trying to tell you, you have

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to stopping me. They found her
car. Kep stopping you. You said

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your daughter went to a bar in
Laramie found and left with a young man

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doing They found her car on Saturday, and the cops still told them that's

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when they said it's probably suicide.
They went up and looked for her on

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Sunday, still couldn't find her.
On Monday they took out the helicopters,

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still couldn't find her. On Tuesday, they found her body a mile from

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where her car was and said she
was just underdressed and died of overexposure to

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the weather. And her body was
found last night a mile from her car,

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off of the trail with her backpack
propped up and sewed away. Okay,

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are people now? Are the police
or is the medical examiner looking into

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this. Did they determine a cause
death over exposure to the weather. Over

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exposure to the weather, So she
was out and froze to death. No,

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no sign of homicide or foul play. That's not what they're saying.

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What do you think? And also, at like five thirty, her phone

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supposedly sent some random texts to some
random people saying what sound like thanks for

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being such a great friend. YadA, YadA, YadA. It was the

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exact same word for word text to
ten random people, not like ten of

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her best friends. Just can this
has made the news up there? I

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just looked up. It has,
Yes, it has yepring to get On

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Sunday, twenty one year old Sabrina
Gello was reported missing to all Benny County

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Sheriff's apartment. Her carvers found a
band run. What's that? What news?

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It's it's all over. It's every
news outlet in Wyoming. Okay,

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because I called yesterday and nothing,
no newspaper had seen it, and they

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were like, you have the first
Well this one was published a couple of

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days ago, so I'm sorry.
We're using different googles maybe, but this

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one is all over the news about
her. This is terrible Is there a

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possibility we can talk to your daughter? Can you give us a number,

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We'll call her off. Let me
give you her number. Off the air.

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Hold on, off the air.
Okay, hang on, Kachina,

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get this. She's on her way
to work. Let's get this information and

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try to call the daughter. Hey, I have a question. What are

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our parents doing? I don't know. That's what we have to find out,

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doc. But the woman was in
the National Guard, so was the

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guy. I'm sure they're questioning her. I'm sure they are. I mean,

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but maybe they did. Suspect suicide
for something. But I'm finding this

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all over the news, all over
the news. Let's see. So,

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Sabrina Galler was found dead February thirteenth
in the morning, and it said that

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Sabrina Galler was a student and active
in rot C, missing since the eleventh,

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which is Sunday. Her last known
whereabouts were Ranger Bar and liquor store

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on the ninth and uh. Anyway, that's a sad, sad story.

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oh three nine two zero sixteen twenty
two. Hi Tom Martina here three O

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three seven one three talk three oh
three seven one three eight two five five.

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What a tragic call to start things
off. A young woman found dead.

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She was missing in Laramie, Wyoming. Her name is Sabrina Geller.

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She's all over the news if you
want to google that. I'm not sure

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why the mom is calling, or
the mom of a friend. I imagine

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they suspect foul play and she left
with a young man also in the guard

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Now I have to believe that they're
going to investigate all angles of that,

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So please give us a call if
you'd like to talk about that, or

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if you know anything about it as
well. Now, today is Valentine's Day

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and romance scams are taking advantage.
Do you know that at least forty percent

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of older women not got ripped off, but we're in touch, have been

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in touch, or have been ripped
off. Now not all forty, but

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they've either been in touch, are
in touch, or been ripped off in

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a romance scan. Think about that. It starts out first of all,

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with phony maloney, photos and profiles. Now, Deputy Doc, he had

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a solution, but I don't know
if it's a fail safe. He said,

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do a zoom call, Insist on
a zoom call or some kind of

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video call. Now, in some
of the cases we've investigated, when women

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insisted on a video call, or
not insisted but asked for one, the

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guy had all kinds of excuses.
So Mark, are you doing it?

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Tom? Yeah, of course it's
a red flag. But I think they

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could fake a zoom call, don't
you no, Come on, what do

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you mean? No? No,
you don't think they could fake a zoom

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call. Well, I'm not sure
that they do that. I mean,

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I think one way to protect yourself, and you know, the other thing

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is you have to have some sense
of your identity. If you're a middle

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aged woman and you're fifty or sixty
years old, a twenty three year old

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soldier or oil rig worker, well, then normally, normally, here's what

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it is. Here's what it is. Doc Normally, you have someone in

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their Women starting at fifty and up
are the biggest target, and you have

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men who are in their fifties.
And see, they don't normally pose as

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twenty or thirty year old guys.
Interested they're trying to make it somewhat credible.

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And the guy might be forty eight
to fifty five. That's there,

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but there are a lot that are
sixty. Let me take Charlie, Charlie,

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what's going on with you? Charlie? Hello, Oh Charlie, are

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you the friend? Are you the
friend of this missing girl? I mean

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yes, I'm sorry and we went
to preschool together and oh my god.

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Sorry. Now, now here's what
I want to know. She's she's obviously

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dead. Are are you thinking she
was depressed and wanted to off herself or

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get lost or what do you think
happened? Honestly? Knowing Sabrina, Sabrina

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was a very strong person and always
encouraged others to get help if if they

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were even even remotely, you know, stressed or anything. Sabrina was a

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very bright person and a very light
in the world, and she was constantly

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talking to people about how they shouldn't
be ashamed to go to therapy or anything

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like that, and she constantly encouraged
those of us who did have any kind

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of struggles or issues to go and
get help. So personally, I couldn't

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see Sabrina going and doing something like
this. Now, is it true,

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Charlie that when you went when did
you first go to the police? She

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was missing on Thursday night? She
went to the bar? Is that right?

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So she was actually seen leaving the
bar. We did see footage from

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the bar of her leaving and leaving
like the parking lot. Yeah, so

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this was this young was this other
young guardsman with her? Yes, in

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the footage he did leave with her, but obviously they just left the parking

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lot together. We can't say anything
else. Our main problem is that we

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want to push the police to go
and they still haven't even gone and gotten

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the footage, even though we've told
them about it, and granted I don't

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know about this. Now. This
is yesterday morning, before you know she

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was even recovered and we even saw
anything. So, Charlie, don't you

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think change? Things will change now
that there's a body. We're hoping that

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just the police are pushing an investigation, you know. We had to push

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them to even get a search party
or anything together. We went up on

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Monday afternoon, me and a group
of one of her other closest friends,

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and my younger sister and my stepsister
who was also a very close friend with

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her, and just our small small
group of four girls were up there with

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one of our moms and we were
the only ones out there looking for her.

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There wasn't even a sheriff's car up
there. And so we came down

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00:18:32.559 --> 00:18:34.680
the mountain that night, or we
came down from Bedewoo that night, and

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we made posts on Facebook and we
begged to post them on one Wyoming Missings

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person and Missing Persons of America,
and we begged and we posted, and

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we begged people to share and get
the word out there. And it wasn't

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until then, And it wasn't until
we started pushing and we got the word

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out there that suddenly Albany County wanted
to get involved, and suddenly the police

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office wanted to get involved. They
didn't even post her as a most persons

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on her page until until like eight
hours before they posted her sound. Now,

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now, Charlie uh it's been fair, Charlie, Charlie, to be

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fair, many times they wait twenty
four hours. But I need to ask

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a few important questions. When was
when did you first suspect a problem?

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You went to the bar Thursday night? Were you expecting to meet her there?

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See? I hadn't gone to the
bar personally. That was her other

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close friend that we weren't able to
get a hold of this morning. And

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when did you, guys, or
when did anyone first suspect anything? I

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mean, it's not unusual for a
young woman to leave a bar with a

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young man, So when did you
suspect something might be wrong? We suspected

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something would have probably been wrong when
she stopped answering her phone on Friday,

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around five point thirty, she sent
a message to a couple close friends,

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and one of those being the close
friend that was out there yesterday and the

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day before with me, And she
responded instantly like I'm talking within minutes,

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00:20:11.799 --> 00:20:15.799
and Sabrina didn't answer back, and
that's pretty unlike her when she had just

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messaged. Did Sabrina make any mention? Did Sabrina make any mention of going

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for a walk in the woods.
No? And that was another thing that

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was really unusual for us is all
of us girls who grew up together and

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were really close together. That was
something that was a big thing for us

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because you hear it in the news
all the time, but you never think

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it'll be you, but you always, you know, you always just hope

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it's not, and so you always
stay in touch. You always keep your

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location on and tell people where you're
going and bring another person with you.

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00:20:52.720 --> 00:20:56.279
It's not like her to just go
out in the middle of February for a

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hike in the winter. Charlie,
how old are you? Your friends?

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00:21:02.680 --> 00:21:07.240
My birthday is actually tomorrow. I
was supposed to celebrate my twenty first birthday

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00:21:07.240 --> 00:21:15.920
with Sabrina. She turned twenty one
about two weeks before me, and so

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00:21:15.000 --> 00:21:19.799
we're all about that age, twenty
twenty one, Charlie. Does anyone and

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we're not accusing anyone or saying anything, but does anyone know the identity of

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00:21:26.039 --> 00:21:30.119
the young man she left with?
No, Sir, I don't know.

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00:21:30.279 --> 00:21:34.799
Personally. We're trying to get more
information. We know a couple of people

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00:21:34.799 --> 00:21:42.240
who might know him, but you
know, we only certainly maybe probably it

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00:21:42.319 --> 00:21:52.400
probably wasn't his first time at Ranger
Bar. No, I believe that it

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00:21:52.559 --> 00:21:56.680
wasn't, but I wouldn't know for
sure. Okay, I'm not twenty one,

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so I haven't attended. No,
I understand, you don't go to

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the bar. You're not twenty one
yet. You're twenty one tomorrow. And

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00:22:02.640 --> 00:22:07.839
what a mixed what a mixed birthday
this is with joy and sadness and Charlie,

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00:22:07.880 --> 00:22:12.119
this is a terrible, terrible situation
on Valentine's Day to find out your

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00:22:12.119 --> 00:22:18.200
friend has said, I, what
do you think went on? What do

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00:22:18.240 --> 00:22:21.519
you think? Do you think she
was simply going for a walk and was

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00:22:21.599 --> 00:22:26.000
exposed to the weather that sounds so
unusual. Do you think she drank a

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00:22:26.000 --> 00:22:32.319
little too much? What do you
think happened? I genuinely don't know.

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00:22:32.559 --> 00:22:37.480
We we have so many unanswered questions
and just so many things that you know,

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00:22:37.599 --> 00:22:41.880
are still so fresh and we still
just don't understand, and we're not

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00:22:41.920 --> 00:22:45.920
getting questions too, and so we're
just really pushing for resources and just for

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00:22:45.960 --> 00:22:51.000
the police to have some kind of
investigation and some kind of something and not

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00:22:51.079 --> 00:22:53.440
just push it off as, oh, you know, she laid down.

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00:22:53.640 --> 00:23:00.160
Oh I can't imagine. I can't
imagine they're not investigating you do know it's

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00:23:00.200 --> 00:23:03.079
all over the news up there right. Yes, they told us they would

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00:23:03.079 --> 00:23:08.519
be investigating, but we just oh
they are. They're asking for all kinds

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00:23:08.559 --> 00:23:14.319
of help. I guess it's the
sheriff's department. All Benny County Sheriff's Department

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00:23:14.480 --> 00:23:18.400
is investigating. Yes, we know
that. We're in touch with them,

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00:23:18.480 --> 00:23:25.079
and yeah, well you know,
so at least you got their attention.

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00:23:25.240 --> 00:23:30.400
Unfortunately, you feel they weren't taking
it seriously right away. Normally they do

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00:23:30.519 --> 00:23:36.279
wait a while before they sound the
alarm when they say someone is missing.

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00:23:36.319 --> 00:23:40.720
When when someone says someone is missing. Now, what was the last text

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00:23:40.799 --> 00:23:49.240
she sent that I don't personally have
I was not one of the recipients.

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00:23:49.359 --> 00:23:52.799
Sorry, Okay, listen, Charlie, if you would do us a favor,

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00:23:53.319 --> 00:23:56.799
my producer will get some information so
we can stay in touch and you

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00:23:56.920 --> 00:24:00.480
keep us informed, and then we're
going to ask anyone who may know anything

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00:24:00.519 --> 00:24:04.839
about it, or anyone to who
you know who knows people there or are

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00:24:06.079 --> 00:24:10.839
are following the case, to keep
us informed as well. This is this

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00:24:10.880 --> 00:24:15.319
is very sad, Charlie. And
by the way, was it unlike her

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00:24:15.319 --> 00:24:18.079
to leave with a young man or
do we know if they got in the

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00:24:18.119 --> 00:24:21.839
same car or did they go on
their separate cars? Do we know?

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00:24:22.519 --> 00:24:30.079
No, she she was not parked
in the parking lot. So the you

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00:24:30.119 --> 00:24:32.960
know what we were able to see
was just her leaving the parking lot.

279
00:24:33.440 --> 00:24:38.480
Were they leaving obviously together? Yes, they were. They were you know,

280
00:24:40.000 --> 00:24:44.839
walking together. They had walked through
the bar together and left the parking

281
00:24:44.880 --> 00:24:48.559
lot together. Okay, Charlie,
thank you so much. I know you're

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00:24:48.640 --> 00:24:55.319
hurting. Happy birthday. I'm sorry
to mix this up, but just I

283
00:24:55.319 --> 00:24:56.559
don't know. I'm going to say
a prayer for you. But this is

284
00:24:56.599 --> 00:25:00.200
a terrible time for you. I
understand it. I lost a friend when

285
00:25:00.240 --> 00:25:03.279
I was younger. It's it's a
terrible thing, especially when you're young.

286
00:25:03.319 --> 00:25:12.400
You just don't expect it more.
Coming up, Go with a sure thing

287
00:25:12.519 --> 00:25:17.920
Denver's Best roofer Excel roofing dot com. You don't pay a cent until you're

288
00:25:18.000 --> 00:25:23.279
content. Wait time for an insurance
check up free, no obligation. In

289
00:25:23.359 --> 00:25:29.680
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies

290
00:25:29.720 --> 00:25:33.200
find out now three all three seven
seven to one help. You'll think you're

291
00:25:33.200 --> 00:25:37.119
his only customer when you choose Frank
durand the real estate Man dot com to

292
00:25:37.200 --> 00:25:47.119
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

293
00:25:48.000 --> 00:25:52.799
Bie Tom Martino here three oh three
seven one three talk three oh three

294
00:25:52.920 --> 00:25:59.359
seven one three eight two five five
let me bring up my wishod here.

295
00:25:59.400 --> 00:26:07.079
We have Mark with us Mark Conkle
from Probidenergy dot com in the solar business

296
00:26:07.119 --> 00:26:11.279
and they, of course do systems. One of their hall marks as a

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00:26:11.359 --> 00:26:17.880
system starting at twenty one fully installed
battery backup good for most houses, and

298
00:26:17.960 --> 00:26:23.079
that's after your tax credits. There's
also financing available right in addition to that.

299
00:26:23.079 --> 00:26:27.119
That's out of pocket twenty one,
but you can finance that. I'll

300
00:26:27.440 --> 00:26:30.799
go ahead, sir. Colorado renew
loan is a great loan right now.

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00:26:32.319 --> 00:26:37.640
That's through the Clean Energy Fund that
Colorado supplies, and that's available to all

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00:26:37.680 --> 00:26:41.160
solar systems or any of the renewable
energy or what solar solar batteries, yep,

303
00:26:41.319 --> 00:26:45.160
all those things. So you can
finance that through Colorado Renew. Three

304
00:26:45.160 --> 00:26:49.240
credit unions participate in the program,
and that's kind of where I've been directing

305
00:26:49.279 --> 00:26:53.839
people. The traditional solar loans.
The dealer fees are quite high right now.

306
00:26:55.440 --> 00:26:59.000
Okay, So, last time you
were here, we had a question.

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00:26:59.480 --> 00:27:03.279
I don't know if we adequately answered
it, but it's a it was

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00:27:03.319 --> 00:27:07.279
a text question on how much of
that initial cost do you actually get a

309
00:27:07.319 --> 00:27:11.359
credit on if you add batteries,
if you add a generator, or if

310
00:27:11.400 --> 00:27:18.480
you add different things insulation, does
that all count as part of the system

311
00:27:18.480 --> 00:27:22.440
that gets the credits or do you
have to parse out the solar part of

312
00:27:22.519 --> 00:27:26.720
it. The solar and the batteries
are both a thirty percent federal tax credit.

313
00:27:26.799 --> 00:27:30.000
Okay, But if you spend extra
to upgrade insulation and that kind of

314
00:27:30.000 --> 00:27:33.440
stuff, there are some programs in
Denver where they'll offset that, and believe

315
00:27:33.440 --> 00:27:37.000
it or not, Excel we'll actually
offset some of that with rebates as well,

316
00:27:37.079 --> 00:27:40.359
and we do have partners in the
industry that can do all of that.

317
00:27:41.240 --> 00:27:47.079
Okay. So but really the move
now is to encourage people to do

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00:27:47.200 --> 00:27:51.599
renewable energy, I mean resolutely,
big time air source heat pumps. So

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00:27:51.920 --> 00:27:56.400
people just doing EV chargers, yes, quite often, Mark, have you

320
00:27:56.440 --> 00:28:00.599
ever thought of doing solar? For
that? We do. I'm talking Mark

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00:28:00.640 --> 00:28:03.720
you there. Oh he's not there
right now, No, I'm here.

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00:28:03.079 --> 00:28:06.160
Oh, I'm sorry. I didn't
see you there. I'm sorry, go

323
00:28:06.200 --> 00:28:08.640
ahead. What did you think,
Mark? Have you ever thought about doing

324
00:28:10.119 --> 00:28:12.839
just for the for the you know, like maybe even the motorhome or the

325
00:28:14.200 --> 00:28:17.160
car? Now they can't. It
just simply won't power my house? Man,

326
00:28:18.160 --> 00:28:21.000
I would never, I would.
I think I'm the worst fit for

327
00:28:21.079 --> 00:28:25.680
solar ever, and I've had multiple
companies look at it. Oh, I'm

328
00:28:25.680 --> 00:28:29.839
taking you don't think the payback would
be there just for the the EV charger?

329
00:28:30.240 --> 00:28:33.799
Well, can't they do many systems? What am I going to spend

330
00:28:33.880 --> 00:28:37.759
seventy thousand dollars? I don't know. I'm talking about an EV charger.

331
00:28:37.799 --> 00:28:44.160
I'm not talking about a house.
So for me, everything comes down to

332
00:28:44.200 --> 00:28:48.000
this. In a lot of circumstances, people can spend X amount of money

333
00:28:48.000 --> 00:28:51.640
and get rid of their electric bill. It makes perfect sense. What am

334
00:28:51.720 --> 00:28:55.720
I supposed to drop? How much
do you come out of pocket to charge

335
00:28:55.759 --> 00:28:59.960
your car? When the car costs
maybe seventy bucks a month to charge?

336
00:29:00.119 --> 00:29:03.519
What am I going to come fifteen
thousand out of pocket and make up for

337
00:29:03.599 --> 00:29:07.559
it in fifteen years? That's absurd. I don't know. I'm just asking

338
00:29:07.640 --> 00:29:10.559
what about EV chargers? What are
they running you? Know, it's just

339
00:29:10.960 --> 00:29:15.240
enough solar for an EV charger out
out in your driveway or your garage or

340
00:29:15.240 --> 00:29:21.799
whatever. I'm just curious. Five
thousand kilowatt hours, so probably two kilowatt

341
00:29:21.880 --> 00:29:26.839
system. How our solar two three
found? Mark? How fast is let's

342
00:29:26.839 --> 00:29:30.599
get real though, how fast?
Six or seven grand with a fifteen percent

343
00:29:30.920 --> 00:29:33.599
kicker? Yeah? The issue with
that Mark is I hear where you're coming.

344
00:29:33.720 --> 00:29:37.640
I'm not trying to sell those,
I'm just wondering about it. Yeah,

345
00:29:37.680 --> 00:29:41.279
but Tom, what he's talking about
would charge my car in six days?

346
00:29:42.119 --> 00:29:45.920
What are you talking about? Are
you talking about a LoVa? You're

347
00:29:45.920 --> 00:29:48.920
not talking about us big charger then, are you? Mark? Yeah?

348
00:29:48.319 --> 00:29:52.160
You are. That's not how solar
works really, it's an offset of what

349
00:29:52.240 --> 00:29:57.519
you are running. So we're going
to offset your electricity pull from your utility.

350
00:29:59.079 --> 00:30:03.079
And could you make a standalone I'm
just curious. Could you make a

351
00:30:03.079 --> 00:30:07.319
standalone? You could? But you
know, solar is built on an annualized

352
00:30:07.359 --> 00:30:11.799
basis because it doesn't produce as much
in the January, February months, Okay,

353
00:30:11.119 --> 00:30:14.519
summer months, right, so you
do have to have something to help

354
00:30:14.720 --> 00:30:18.119
augment it. Absolutely, that's why
it's meant to be on a system.

355
00:30:18.799 --> 00:30:22.039
To me, solar is so great. And here's why. If I lived

356
00:30:22.039 --> 00:30:26.039
where I used to live in Castle
Rock, I had sun hitting every part

357
00:30:26.079 --> 00:30:30.519
of my house, I could one
percent offset my electricity bill and cash flow

358
00:30:30.599 --> 00:30:36.359
immediately. That is where solar's great. Forget about the green I just don't

359
00:30:36.400 --> 00:30:38.960
care about that stuff. And people
can send hate mail. That's just not

360
00:30:40.119 --> 00:30:42.119
my motivation to get. No.
No, no, you wouldn't do it

361
00:30:42.279 --> 00:30:45.960
just for that. No, And
I don't know of anyone who would do

362
00:30:45.000 --> 00:30:48.480
it just for that. My goodness, maybe there are PBEs. Ninety nine

363
00:30:48.559 --> 00:30:52.160
percent of the people are trying to
save money. We have to take this

364
00:30:52.279 --> 00:30:55.400
break, but I want to tell
you, what do you think. We've

365
00:30:55.480 --> 00:31:00.839
talked about it before. The number
one problem with married couples is not cheating

366
00:31:00.359 --> 00:31:08.279
with another person. It's cheating with
money, sneaking money out of the marriage,

367
00:31:08.640 --> 00:31:14.599
sneak sneaking things that you buy,
keeping debt from people, and hiding

368
00:31:15.599 --> 00:31:25.880
bad news about finances. All of
that coming up. Go with a sure

369
00:31:26.000 --> 00:31:30.519
thing Denver's Best roofer Excel roofing dot
com. You don't pay a cent until

370
00:31:30.559 --> 00:31:37.720
you're content. Time for an insurance
check up free, no obligation in comparison,

371
00:31:37.839 --> 00:31:41.440
call Compass insurance paying too much your
coverage at dozens of insurance companies.

372
00:31:41.519 --> 00:31:45.960
Find out now three three seven to
seven to one help. You'll think you're

373
00:31:45.000 --> 00:31:48.880
his only customer when you choose Frank
durand the real estate Man dot com to

374
00:31:48.960 --> 00:31:59.519
list your home with Remax Alliance three
three nine two zero sixteen twenty two.

375
00:32:00.240 --> 00:32:05.440
Hi Tom Martino here three all three
seven one three talks seven one three eight

376
00:32:05.480 --> 00:32:09.200
two five five. The Mayor went
to the Super Bowl, but it did

377
00:32:09.240 --> 00:32:14.599
not cost the city any money.
Just so you know, he was invited

378
00:32:14.599 --> 00:32:20.079
by Brian Griesie, a longtime friend. They've known each other for twenty years.

379
00:32:21.200 --> 00:32:24.079
And then the mayor took his son. But I know people are bitching

380
00:32:24.119 --> 00:32:30.960
and moaning about that, saying that
it costs Denver. It did not cost

381
00:32:30.000 --> 00:32:36.359
Denver. However, there is a
rule about taking a gift worth more than

382
00:32:36.400 --> 00:32:40.519
fifty bucks. Go with a sure
thing Denver's best roofer Excel Roofing dot com.

383
00:32:40.559 --> 00:32:47.119
You don't pay a cent until you're
content. Time for an insurance check

384
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up free, no obligation. In
comparison, call compass insurance paying too much

385
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your coverage at dozens of insurance companies
find out now three all three seven to

386
00:32:55.680 --> 00:33:00.000
seven to one help. You'll think
you're his only customer when you choose.

387
00:33:00.000 --> 00:33:04.000
It's Frank durand the real estate man
dot Com to list your home with Remax

388
00:33:04.039 --> 00:33:16.119
Alliance three oh three nine two zero
sixteen twenty two ripped. You need advice

389
00:33:16.119 --> 00:33:23.799
so you don't have come running shoes. As as we can, Shooter's gonna

390
00:33:23.920 --> 00:33:31.839
help. Come Man Dix is the
Troubleshooter show. No Tom Martino. Hey,

391
00:33:31.920 --> 00:33:37.240
I'm Tom Martino, your trouble shooter. Three oh three seven one three

392
00:33:37.359 --> 00:33:43.000
talk three oh three seven one three
eight two five five. This hour brought

393
00:33:43.039 --> 00:33:45.920
to you by eight eight eight Heating
dot Com. And uh, you know

394
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they're doing high efficiency systems. They're
also doing heat pumps by the way,

395
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for people that have solar and want
to put the burden back on the solar.

396
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And they have all kinds of options
for replacements that save you going in

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with their great deals and also each
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trust. Three o three seven seven
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Heating dot Com. So let's talk
what's on your mind, Darlene, And

400
00:34:20.360 --> 00:34:22.920
you can call us of course all
the time, anytime at three oh three

401
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Martino three oh three, six,
two seven, eight, four sixty six.

402
00:34:29.960 --> 00:34:36.559
What's cappening, Darlene. I'm trying
to get out of a contract that

403
00:34:36.679 --> 00:34:44.239
I signed unknowingly with a water heater
plumbing company to replace my water heater.

404
00:34:44.800 --> 00:34:50.320
How'd that happen? How did it
all start? It started with my water

405
00:34:50.360 --> 00:34:53.119
heater obviously going out, and it
was kind of an emergency, so I

406
00:34:53.239 --> 00:34:58.519
just I didn't do my homework and
so I just called the first one that

407
00:34:58.719 --> 00:35:06.599
popped up in Google. And they
couldn't come out Saturday due to the weather,

408
00:35:06.800 --> 00:35:14.760
so they came out Sunday. And
when when you said you unknowingly signed,

409
00:35:14.840 --> 00:35:22.000
what does that mean? Well,
on the contract, the PDF contract

410
00:35:22.039 --> 00:35:27.119
that he gave me, it is
above the signature box that says subject to

411
00:35:27.239 --> 00:35:35.320
a twenty five cancelation fee. It
was not mentioned, however, and the

412
00:35:35.360 --> 00:35:38.199
box that I signed that was on
the gentleman's phone was blank. There was

413
00:35:38.239 --> 00:35:44.519
no disclosure or anything on the See
this is changed nowadays. This is happening

414
00:35:44.559 --> 00:35:49.719
to a lot of people. They're
signing on iPads or phones and they don't

415
00:35:49.800 --> 00:35:53.880
see all the terms and conditions.
Darlene, why do you want to cancel.

416
00:35:57.400 --> 00:36:02.039
Just he I did my research after
the fact, which does not help

417
00:36:02.079 --> 00:36:07.159
the situation at all. But they
have complaints on Better Business Bureau. And

418
00:36:07.199 --> 00:36:12.159
who is the company? What's the
company? The company is anywhere Ruter?

419
00:36:13.159 --> 00:36:15.719
Uh huh? Any you know,
by the way, I have found that

420
00:36:15.960 --> 00:36:22.079
any company with Ruter in the name
other than one is uh. I found

421
00:36:22.079 --> 00:36:27.599
them all to be ripoffs. I
don't know why, but I have so.

422
00:36:27.599 --> 00:36:30.920
So here's the deal. I don't
know of anywhere routers are ripoff,

423
00:36:30.960 --> 00:36:34.920
but man, when there's Ruter in
the name, there's usually trouble. And

424
00:36:35.360 --> 00:36:38.280
what I want to know is why
do you want to cancel because of the

425
00:36:38.360 --> 00:36:43.079
complaints or the price? What is
the price they quoted for a water heater

426
00:36:45.039 --> 00:36:50.239
to replace the water heater was twenty
two fifty And what size is it?

427
00:36:51.800 --> 00:36:54.840
Well, it's a forty gallon.
It's a forty gallon. I'm not sure

428
00:36:54.840 --> 00:36:58.679
exactly. Well, let me give
you an exam. If you went to

429
00:36:58.760 --> 00:37:02.679
Europlumbing Colorado dot net, which is, by the way, one of our

430
00:37:02.719 --> 00:37:07.719
companies on referral lists dot com that
I talk about all the time, for

431
00:37:07.800 --> 00:37:13.000
a forty gallon tank, it would
be thirteen ninety nine one three hundred and

432
00:37:13.079 --> 00:37:16.800
ninety nine fully installed with the old
one taken out in haul. However,

433
00:37:17.519 --> 00:37:22.239
I want to be fair here,
I think, and I'm not. I

434
00:37:22.280 --> 00:37:25.360
don't know this company from anywhere anywhere, Brouter, I don't know them.

435
00:37:25.639 --> 00:37:36.000
But that is not an unusual price
in the industry right now. People are

436
00:37:36.039 --> 00:37:39.079
just charging out rages amounts and I
don't even know if it's outrages. Mark,

437
00:37:39.239 --> 00:37:43.000
what would you think that price is? How much? Was it a

438
00:37:43.039 --> 00:37:46.199
forty twenty two point fifty for a
foll? Bad at all? I mean,

439
00:37:46.719 --> 00:37:49.880
as we know, you're old,
beat it, but there's a ton

440
00:37:49.920 --> 00:37:54.639
of companies that would commit it over
three thousand without blinking. Yeah. Do

441
00:37:54.679 --> 00:38:00.159
you know what kind it's gonna be, Darlene, I know the brand name.

442
00:38:00.239 --> 00:38:06.159
I just know it's made for propaine
versus natural. Guess why is it

443
00:38:06.199 --> 00:38:10.800
made for propaine? Are you obviously
you're on propane? Yes, the heaters

444
00:38:10.840 --> 00:38:15.719
are the same. Here's what changes, the orifice changes. It's not really

445
00:38:15.800 --> 00:38:21.079
a big deal. But did you
so your water went out? They came

446
00:38:21.119 --> 00:38:23.719
out, gave you an estimate,
and they didn't do the work yet.

447
00:38:24.360 --> 00:38:31.320
No, okay, and you decided
you wanted to cancel. Did you find

448
00:38:31.519 --> 00:38:39.320
another company. Not yet. I
was on Angie's List. I don't know

449
00:38:39.360 --> 00:38:45.519
how reputable, but they said that
they could help me find somebody for Angie.

450
00:38:45.840 --> 00:38:47.480
Of course, you just don't learn
lessons, do you. Most of

451
00:38:47.519 --> 00:38:53.440
our problems come from Facebook, Marketplace, next Door, Angie's List, Home

452
00:38:53.519 --> 00:38:59.440
Advisor. This is where all our
complaints come from. And where else Google?

453
00:38:59.599 --> 00:39:04.400
So so you know, that's why
I have a referral list. It's

454
00:39:04.400 --> 00:39:08.519
called referral list dot com. And
I would say, first and foremost,

455
00:39:08.840 --> 00:39:13.880
I don't know if you should cancel. You may be liable for a penalty.

456
00:39:14.239 --> 00:39:16.800
But if you say you didn't know
about it and didn't have a copy

457
00:39:16.840 --> 00:39:21.039
and they had you sign a phone, that suspect. But they're going to

458
00:39:21.119 --> 00:39:25.719
fight you for the money. How
much do they want as cancelation? They

459
00:39:25.719 --> 00:39:29.800
want the twenty five percent that I
put down, where I put a little

460
00:39:29.800 --> 00:39:34.519
bit more than twenty five, but
they want the twenty five percent and how

461
00:39:34.639 --> 00:39:37.079
much? Okay? So then what
what about? Uh? When did this

462
00:39:37.239 --> 00:39:45.599
happen? Sunday? Sunday? Because
if it was made a sale in your

463
00:39:45.679 --> 00:39:52.639
home, there's usually an automatic right
to rescind that contract in seventy two hours.

464
00:39:52.679 --> 00:39:54.719
If the sale was made in your
home. Was there a right to

465
00:39:54.760 --> 00:40:02.119
rescind on that contract? Probably not. I would have to read it over

466
00:40:02.159 --> 00:40:07.360
it well if not. If there
wasn't, then they broke federal law.

467
00:40:07.480 --> 00:40:13.159
So I mean, here's what I'm
thinking. We should have somebody call over

468
00:40:13.199 --> 00:40:16.559
there and tell them. I mean, if they they did not leave you

469
00:40:16.639 --> 00:40:22.480
with a copy of that contract.
I did, but it was a kind

470
00:40:22.559 --> 00:40:28.239
of paper copy, just a PDF. That's well on the PDF. On

471
00:40:28.280 --> 00:40:36.519
the PDF. If there is not
a three day right to rescind, then

472
00:40:36.639 --> 00:40:39.880
I think they have to give you
three days. I mean, I and

473
00:40:40.239 --> 00:40:45.119
they can't charge you. I can't
can lession fee. I can't imagine that's

474
00:40:45.159 --> 00:40:49.159
not in the agreement though these guys, most of them all use the same

475
00:40:49.199 --> 00:40:53.519
software. Honestly, Darlene, can
you send us a copy of that?

476
00:40:55.119 --> 00:40:59.519
Yeah, take us, send us
the PDF. We'll look at it over

477
00:40:59.559 --> 00:41:04.480
the break, Kelly'll give you the
information. I do want to put this

478
00:41:04.559 --> 00:41:07.239
on you te It's actually in your
inbox. Guys. Oh cool? Is

479
00:41:07.719 --> 00:41:12.039
if this they think if this was
one of our referral list members. Now,

480
00:41:12.079 --> 00:41:15.159
granted, they'd most likely let him
out of the contract. But let's

481
00:41:15.159 --> 00:41:17.880
say these guys are up and up, and we know nothing about them.

482
00:41:17.880 --> 00:41:21.599
But there's not a lot of bad
reviews. They don't rip people off.

483
00:41:21.800 --> 00:41:23.199
They go out to the house,
they look at it, they give her

484
00:41:23.239 --> 00:41:28.679
an estimate. She agrees twenty five
percent down. They order the water heater,

485
00:41:29.000 --> 00:41:30.320
they do whatever. I don't know. If they haven't order it,

486
00:41:30.320 --> 00:41:34.400
it's in stock. I don't know
how that part works. But is it

487
00:41:34.480 --> 00:41:38.639
even fair of us to say or
call over that these guys did something wrong?

488
00:41:39.679 --> 00:41:44.119
No, not at all. No. But that's not why I would

489
00:41:44.159 --> 00:41:47.960
be calling. Why I would be
calling is if they did not follow federal

490
00:41:49.039 --> 00:41:53.440
law and give a three day right
to rescind. And I think it's going

491
00:41:53.079 --> 00:41:59.400
to read through this agreement during the
break. I don't see it here at

492
00:41:59.400 --> 00:42:02.559
all. It's a very simple agreement. I hereby authorize blah blah blah.

493
00:42:02.679 --> 00:42:07.760
If payment is not made as a
great anywhere, router can remove in set

494
00:42:07.800 --> 00:42:10.639
equipment blah blah blah, ten percent
fee, blah blah blah, alteration,

495
00:42:10.760 --> 00:42:15.599
derivage a new very prayer. I
don't see anything here that says you have

496
00:42:15.719 --> 00:42:20.880
three days to change your mind or
to rescind this contract. All cancelations are

497
00:42:20.920 --> 00:42:24.599
subject to twenty five percent cancelation fee. I can't see how you couldn't have

498
00:42:24.639 --> 00:42:29.079
seen that. But do you think
this is the entire Do you think this

499
00:42:29.159 --> 00:42:34.760
is the entire agreement? Is there
anything on the reverse side? I don't

500
00:42:34.800 --> 00:42:40.119
see anything referring to a reverse side. Here's the deal. I want to

501
00:42:40.119 --> 00:42:45.280
make this clear. Contracts do not
have to have a three day right to

502
00:42:45.360 --> 00:42:52.320
rescind, but contracts at home do
require a right to rescind. So I

503
00:42:52.360 --> 00:42:58.320
don't understand why they would not put
that on there. And if this is

504
00:42:58.360 --> 00:43:01.719
the contract, I would have one
of our deputies call and say, are

505
00:43:01.760 --> 00:43:06.400
you aware that if there's not a
three day right to recind, you have

506
00:43:06.480 --> 00:43:09.159
to include that. I mean,
I unless I'm missing something, was that

507
00:43:09.280 --> 00:43:14.880
law changed? I don't think it
was, so, So Mark, look

508
00:43:14.920 --> 00:43:16.840
it over a little closer. As
we get to a break here three oh

509
00:43:16.880 --> 00:43:22.920
three seven one three talk hold on
and we'll talk to you, Darlene uh

510
00:43:23.039 --> 00:43:28.400
after the break and we'll talk about
it. Compass insurance groups still doing insurance

511
00:43:28.480 --> 00:43:30.920
checkups. All you have to do
is call them three oh three nine nine

512
00:43:31.039 --> 00:43:36.000
six nine thousand. Make sure you're
not over insured, under insured, paying

513
00:43:36.039 --> 00:43:40.280
too much. Compass Insurance Group three
h three seven seven nine uh so,

514
00:43:40.320 --> 00:43:44.840
no it's not seven seven nine three
oh three nine ninety six nine thousand,

515
00:43:44.920 --> 00:43:53.079
three oh three nine nine six nine
thousand. Go with a sure thing Denver's

516
00:43:53.079 --> 00:43:58.440
Best roofer Excel Roofing dot com.
You don't pay a cent until you're content.

517
00:44:00.800 --> 00:44:05.000
Time for an insurance check up free, no obligation. In comparison,

518
00:44:05.119 --> 00:44:09.239
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

519
00:44:09.239 --> 00:44:13.239
now three o three seven to seven
to one. Help. You'll think you're

520
00:44:13.280 --> 00:44:16.159
his only customer when you choose Frank
durand the real estate Man dot com to

521
00:44:16.239 --> 00:44:21.960
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two.

522
00:44:23.239 --> 00:44:27.599
All Right, I want to talk
about this three day right to resin

523
00:44:27.679 --> 00:44:31.239
because I don't want people going nuts. Now I looked it up. It

524
00:44:31.360 --> 00:44:36.440
looks like and again, I am
doing this quickly. We're live on the

525
00:44:36.480 --> 00:44:40.719
air. Blah blah blah blah blah. Okay, So it looks like only

526
00:44:40.760 --> 00:44:46.880
when you're solicited at your home that
you have a three day right to rescind.

527
00:44:47.159 --> 00:44:52.320
And it's not just that your home, it's or if you meet someone

528
00:44:52.719 --> 00:44:57.239
in a place other than the normal
place of doing business. For example,

529
00:44:57.280 --> 00:45:00.760
if you meet a car dealer at
a restaurant, or you meet someone at

530
00:45:00.800 --> 00:45:06.000
a restaurant, you could have again, I say you could have. It's

531
00:45:06.119 --> 00:45:08.800
very fact dependent a three day right
to rescind. Now at your home,

532
00:45:09.400 --> 00:45:14.800
if they solicit you, you have
a three day right to rescind. Except

533
00:45:14.960 --> 00:45:22.519
for roofing, you always have a
right to rescind. And also with some

534
00:45:22.599 --> 00:45:27.960
other ones here mortgages, health clubs, well, any time mark not just

535
00:45:28.000 --> 00:45:35.519
more anytime you're putting your home up
as collateral, and timeshare agreements and health

536
00:45:35.559 --> 00:45:40.440
clubs, whether they're no matter where
you sign those. So it's very fact

537
00:45:40.960 --> 00:45:46.719
specific to what the contract is.
But I think if you call someone out

538
00:45:46.760 --> 00:45:53.480
there for an emergency repair and sign
something, there is absolutely no recension.

539
00:45:53.960 --> 00:45:57.920
I don't think they had to put
a three day right to rescind in here.

540
00:45:58.079 --> 00:46:00.239
I think she's stuck. That's what
I think. But I'm not going

541
00:46:00.320 --> 00:46:05.760
to give her legal advice. But
I have a feeling they can probably press

542
00:46:05.840 --> 00:46:12.000
this, Darlene and get a cancelation
fee. And as Mark pointed out before,

543
00:46:12.800 --> 00:46:15.880
if they came to your house when
you called them and they gave you

544
00:46:15.880 --> 00:46:21.000
an estimate and they took a deposit
and they're ready to install it. The

545
00:46:21.079 --> 00:46:25.480
mere fact that you did research afterwards
should not be against them. I mean,

546
00:46:25.599 --> 00:46:30.679
in other words, that's your problem, not theirs. And I look

547
00:46:30.679 --> 00:46:32.239
at I'm not sticking up for these
guys. You have to understand this.

548
00:46:32.719 --> 00:46:36.920
I am not telling you these are
good guys or you should go with them.

549
00:46:36.920 --> 00:46:39.480
What I'm saying is it's kind of
not fair. Did I change the

550
00:46:39.559 --> 00:46:45.119
rule after you signed it? And
you're gonna say you didn't know about the

551
00:46:45.159 --> 00:46:51.559
cancelation fee. We'd have to see
that signature box and how it was presented.

552
00:46:51.639 --> 00:46:54.360
Really, I just don't know what
to say, but I do know

553
00:46:54.840 --> 00:47:00.599
that these electronics signature of boxes,
like even at a doctor's office or a

554
00:47:00.639 --> 00:47:07.920
hospital, they have you sign a
blank pad. I mean it's literally a

555
00:47:07.960 --> 00:47:10.719
mousepad, right, or not a
mousepad, but like a track pad that

556
00:47:10.800 --> 00:47:16.079
you sign and they let you look
on the monitor and that's what they tell

557
00:47:16.119 --> 00:47:21.960
you you're signing. There is no
guarantee that that signature is being attached to

558
00:47:22.039 --> 00:47:25.719
that document. I mean it's to
me that's one day is going to be

559
00:47:25.840 --> 00:47:31.840
challenged when it comes to responsibilities,
rights risks all of that, but right

560
00:47:31.880 --> 00:47:37.719
now people are skating when it comes
to these electronic contracts. However, in

561
00:47:37.760 --> 00:47:40.079
your case, I think you're going
to have a tough time. Is there

562
00:47:40.159 --> 00:47:49.400
no way you would even consider letting
them do it, Darlene? I would?

563
00:47:49.639 --> 00:47:52.000
Is I just want, like sensitive
a water heater and having to do

564
00:47:52.159 --> 00:47:59.800
deal with gas. I'm just not
sure how professional or if they're like I

565
00:48:00.039 --> 00:48:05.000
don't even know if they're licensed or
anything. Well, Darlene, I don't

566
00:48:05.039 --> 00:48:09.280
think they're not licensed. I mean, you can ask for licensing information and

567
00:48:09.360 --> 00:48:14.639
all of that. There's nothing wrong
with asking for that. If you simply

568
00:48:14.679 --> 00:48:17.880
think you're paying too much and you
changed your mind, that's not gonna work.

569
00:48:19.239 --> 00:48:23.760
So you're gonna have to deal with
this because I think that everything looks

570
00:48:23.760 --> 00:48:29.239
plain and clear to me on this. They've disclosed everything. I mean,

571
00:48:29.360 --> 00:48:34.760
I don't see that you're automatically assuming
now, well, maybe they're not licensed

572
00:48:34.800 --> 00:48:37.960
or they don't know what they're doing. Well, for goodness sakes, you

573
00:48:37.000 --> 00:48:40.000
should have thought about that, or
you called hey, can I make a

574
00:48:40.039 --> 00:48:45.480
suggestion? Tom? Yeah, it's
gonna cost if she cancels, it's gonna

575
00:48:45.519 --> 00:48:49.519
cost a five hundred bucks, right, Yeah, So why don't you let

576
00:48:49.519 --> 00:48:53.280
them put the put the water heater
in, and then for a hundred bucks,

577
00:48:53.519 --> 00:48:58.400
have one of our people go in
and just check it. That way,

578
00:48:58.480 --> 00:49:00.320
she saves four hundred dollars and she
gets on. First of all,

579
00:49:00.360 --> 00:49:06.480
they need to pull a permit so
the city will check it. If they

580
00:49:06.480 --> 00:49:10.000
don't pull a permit, I mean
that I don't know if you have to

581
00:49:10.000 --> 00:49:15.280
pull a permit on a swap do
you not on a water heater? I

582
00:49:15.320 --> 00:49:17.760
don't think so. I don't know, but I have one of our guys

583
00:49:17.800 --> 00:49:22.119
take a look at it, and
then she'll be satisfied. You know,

584
00:49:22.280 --> 00:49:27.360
let's find out. You know,
what is it? Permit? I don't

585
00:49:27.400 --> 00:49:30.599
think you'll have to pull a permit? You don't think so. Well.

586
00:49:30.639 --> 00:49:35.880
I'm not saying on some cases you
might have to, but I'm saying generally,

587
00:49:36.039 --> 00:49:38.320
I don't think. But I guarantee
we have a ton of plumbers listening

588
00:49:38.599 --> 00:49:43.719
that know the answer. Three ozho
three martino, let us know or three

589
00:49:43.800 --> 00:49:46.320
oh three seven one three eight two
five five. Yeah. I'd like to

590
00:49:46.360 --> 00:49:57.840
know if in fact it is applicable
for a swapout like for like and Darlene,

591
00:49:57.920 --> 00:50:02.400
what are you doing for hot water
in the meantime, I'm just taking

592
00:50:02.519 --> 00:50:07.840
showers outside of the house and heating
up water on the stove to wash dishes.

593
00:50:08.320 --> 00:50:14.480
And you've been without water since one
day. Okay, Okay, I,

594
00:50:14.559 --> 00:50:19.760
like I said, I would be
very cautious about not going through with

595
00:50:19.840 --> 00:50:24.000
this. So far, I don't
see what they have done wrong, and

596
00:50:24.760 --> 00:50:30.960
you know, I just don't think
that they've done anything wrong. So on,

597
00:50:31.480 --> 00:50:36.639
Thank you very much for calling.
Let us know how it goes,

598
00:50:36.639 --> 00:50:39.039
though. Please three O three seven
one three talk is our number, folks,

599
00:50:39.119 --> 00:50:45.239
or three O three Martino. It
is Valentine's Day? Are you doing

600
00:50:45.679 --> 00:50:52.000
anything special? What are the warning
signs you're being cheated on when it comes

601
00:50:52.000 --> 00:50:58.719
to money? Okay? You notice
new stuff around the house, or your

602
00:50:58.760 --> 00:51:07.280
spouse or loved on wearing new stuff
okay, jewelry, watches, clothing,

603
00:51:07.480 --> 00:51:14.800
or when you bring up the subject
of money, your partner gets defensive.

604
00:51:15.679 --> 00:51:19.480
Hey, I'm gonna share it.
Let me share a story about exactly what

605
00:51:19.519 --> 00:51:22.760
you're talking about. Suzanne's got a
very good friend, and I will not

606
00:51:22.920 --> 00:51:29.719
mention names her sister, her best
friend's sister. Listen to how crazy this

607
00:51:29.760 --> 00:51:35.599
is. She had so many credit
cards, she had a po box and

608
00:51:35.760 --> 00:51:39.519
most of the credit cards were actually
in first or second hubby's name, and

609
00:51:39.679 --> 00:51:44.639
she would get all the bills to
a po box. This person, for

610
00:51:44.840 --> 00:51:47.960
years and years, built up credit
card dead of well over fifty one hundred

611
00:51:49.039 --> 00:51:54.800
thousand dollars in her own God never
knew a thing until it came unraveled.

612
00:51:57.039 --> 00:52:04.280
And by the way, that's number
three in danger signs the mail is secretive

613
00:52:04.719 --> 00:52:10.760
or off limits. Number four.
You suddenly get at gifts and he or

614
00:52:10.840 --> 00:52:14.880
she says, Oh, I just
wanted to do something special for you,

615
00:52:15.320 --> 00:52:19.760
Yet you can't figure out how it's
being paid for. What about this?

616
00:52:20.280 --> 00:52:25.920
You notice large cash withdrawals that are
unaccounted for. Many people assume it's for

617
00:52:27.000 --> 00:52:30.199
a mistress or for a mister or
whatever you call a man you're cheating with,

618
00:52:30.280 --> 00:52:37.280
But in any case, no,
it's not. Sometimes it's just because

619
00:52:37.360 --> 00:52:40.840
someone needs to make payments. What
Mark, you know one of the saddest

620
00:52:40.840 --> 00:52:51.679
stories we had in a weekend.
In a weekend, their lives went from

621
00:52:51.760 --> 00:53:00.239
having savings, money, a home, and property to nothing in one weekend.

622
00:53:00.320 --> 00:53:10.800
We'll talk about how that happened.
Right after this, go with a

623
00:53:10.840 --> 00:53:15.199
sure thing Denver's Best roofer Excel Roofing
Dot com. You don't pay a cent

624
00:53:15.400 --> 00:53:22.920
until you're content. Time for an
insurance check up free, no obligation comparison

625
00:53:23.039 --> 00:53:29.159
call Compass Insurance paying too much your
coverage at dozens of insurance companies find out

626
00:53:29.159 --> 00:53:32.280
now three oh three seven seven one
help. You'll think you're his only customer

627
00:53:32.320 --> 00:53:36.920
when you choose Frank durand the real
estate Man dot com to list your home

628
00:53:37.119 --> 00:53:47.280
with Remax Alliance three all three nine
two zero sixteen twenty two. Hello Tom

629
00:53:47.360 --> 00:53:53.239
Martino, your troubleshooter three oh three
seven one three talk three oh three seven

630
00:53:53.320 --> 00:54:00.960
one three eight two five five.
So Ray wants to talk about Fred Lawyer

631
00:54:00.440 --> 00:54:05.960
insurance. By the way, God
almighty, you just don't get worse than

632
00:54:06.000 --> 00:54:10.280
Fred Lawyer, do you? You
just don't get worse? Ray? What's

633
00:54:10.320 --> 00:54:15.800
going on? When you have read
Fred Layer, you have a problem.

634
00:54:15.800 --> 00:54:19.480
What's going on? No? I
don't have friend lawyer. The person that

635
00:54:19.599 --> 00:54:23.719
rear into me has friend lawyer.
That's worse. Yeah. Wait wait are

636
00:54:23.760 --> 00:54:28.920
you are you not getting paid?
I'm like, well, that's just it.

637
00:54:29.559 --> 00:54:35.079
I took my card to the body
shop for the estimate and it comes

638
00:54:35.079 --> 00:54:39.159
out to twenty three hundred dollars I
received out of the blue a check for

639
00:54:39.360 --> 00:54:45.960
Fred Lawyer for two hundred and eighty
semi dollars, which is far less it's

640
00:54:45.960 --> 00:54:49.199
going to cost me to get my
vehicle red here. Wait wait, wait,

641
00:54:49.239 --> 00:54:52.960
did they say it was full and
final settlement. No, they didn't

642
00:54:52.960 --> 00:54:57.159
say full and final settlement. What
they said was when I called him about

643
00:54:57.159 --> 00:55:01.400
the two hundred dollars two hundred dollar
tech, they're telling me that take it

644
00:55:01.440 --> 00:55:06.679
to the body shop, have them
do a what is it a supplemental claim

645
00:55:06.760 --> 00:55:12.360
or whatever they call it? Yeah, yeah, right, So they're saying,

646
00:55:12.840 --> 00:55:17.239
are they actually saying by their estimate
is two hundred and thirty dollars correct?

647
00:55:19.480 --> 00:55:22.639
And that's too coincidental that it looks
a lot like ten percent of the

648
00:55:22.760 --> 00:55:28.760
estimate? Are you sure? Are
you sure they say we believe it can

649
00:55:28.800 --> 00:55:34.320
be fixed for two thirty or are
they saying we traditionally give ten percent first

650
00:55:34.440 --> 00:55:38.280
and then they have to submit a
claim. What does it even matter because

651
00:55:38.320 --> 00:55:45.159
they told you that they'll they'll pay
whatever supplemental But every body shop that I

652
00:55:45.239 --> 00:55:50.159
go to, reputable body shop,
says that they will not deal with for

653
00:55:50.199 --> 00:55:52.519
a lawyer. Well, I don't
blame them. I don't blame them,

654
00:55:52.559 --> 00:55:58.639
they'll do. They'll do the work
and they'll take it'll take they'll approve the

655
00:55:58.679 --> 00:56:02.960
supplemental dam. But then it would
take eight nine months for them to get

656
00:56:04.000 --> 00:56:09.199
paid. You know they're not lying, they're true, that's true. Well,

657
00:56:09.519 --> 00:56:13.119
you know what I would do.
You know what I would do.

658
00:56:13.239 --> 00:56:16.639
I would sue the other driver in
small claims court for the money. They

659
00:56:16.639 --> 00:56:22.400
would have another problem. The individual
that hit me did not have a driver's

660
00:56:22.480 --> 00:56:31.519
license, but they sold him insurance
and he has a he's a residential car

661
00:56:31.719 --> 00:56:37.159
art or conflict card from the country
of Columbia. So he guy doesn't even

662
00:56:37.280 --> 00:56:42.440
have he doesn't even have a valid
US. Yeah, but who cares.

663
00:56:42.480 --> 00:56:45.119
He's got insurance. You're going who
cares if he's valid or not, long

664
00:56:45.159 --> 00:56:49.559
as he's got insurance and they're willing
to pay. Did you tell him your

665
00:56:49.599 --> 00:56:52.920
neck hurt? Yeah? I tell
them all that to you. Yeah,

666
00:56:52.960 --> 00:56:59.440
and that what they say. Well, I have an attorney who's going after

667
00:56:59.519 --> 00:57:02.400
him for the I'm just wor about
the property right now. Well, here's

668
00:57:02.440 --> 00:57:06.000
what kills me. If he called
I don't know who your attorney is,

669
00:57:06.039 --> 00:57:08.320
but let's look at it this way. If he called up John Fuller,

670
00:57:08.360 --> 00:57:13.280
he wouldn't have this issue because John
would help him with this. But good

671
00:57:13.360 --> 00:57:16.440
news for you, caller. John
wrote a book, and it's a very

672
00:57:16.519 --> 00:57:22.599
quick ebook on exactly how to deal
with this circumstance, and he'll give it

673
00:57:22.599 --> 00:57:28.960
to you for free. But here's
the deal man you need. I think

674
00:57:29.000 --> 00:57:34.440
you can probably find a body shop
that might deal with them. Or did

675
00:57:34.480 --> 00:57:38.679
they on the check? Is it
made out to you? This made out

676
00:57:38.719 --> 00:57:45.239
to be. You may have to
go to a body shop and sign for

677
00:57:45.320 --> 00:57:53.000
the work and then have them pay
the bill. You may have to do

678
00:57:53.039 --> 00:57:58.519
that. You may have to guarantee
it. Ray you always do that anyway.

679
00:57:58.639 --> 00:58:04.159
I have never once gone to shop
without guaranteeing the work. Okay,

680
00:58:04.199 --> 00:58:07.119
even if you have insurance, they
want you to guarante you sign for it.

681
00:58:07.400 --> 00:58:12.199
They don't. They don't have the
other party signed for it. They

682
00:58:12.239 --> 00:58:17.800
have you signed for it. Right, But I would make damn sure you

683
00:58:19.000 --> 00:58:23.960
never signed a thing that said that
was full and final settlement. Do you

684
00:58:24.079 --> 00:58:30.320
have anything in writing that says they
will pay the claim? No, I

685
00:58:30.480 --> 00:58:37.000
just have their confirmation that they accept
live ability for the accident. Okay,

686
00:58:37.679 --> 00:58:42.159
that's what I would do. I
would go to a reputable, reputable body

687
00:58:42.199 --> 00:58:49.119
shop sign for the work, and
then I would have if it's a reputable

688
00:58:49.159 --> 00:58:52.039
shop and you sign for the work, when they get paid, they'll give

689
00:58:52.039 --> 00:58:59.039
it back to you. Okay,
they will, but make sure it's a

690
00:58:59.039 --> 00:59:01.519
good body shop and they're not going
to keep the money. Yeah, but

691
00:59:01.800 --> 00:59:05.800
that's my issue here. I don't
have any body shop to say it.

692
00:59:06.079 --> 00:59:07.920
What you're telling me to do is
go aheadside for the work and pay for

693
00:59:07.960 --> 00:59:10.599
it out my old pocket. No, I didn't say to paid for it.

694
00:59:10.679 --> 00:59:15.480
I said, see if they'll bill
lawyer and if loyal will pay them,

695
00:59:15.840 --> 00:59:17.519
and then you tell the body shop
if they don't get paid, you'll

696
00:59:17.519 --> 00:59:22.840
make good as long as they reimburse
you. There's nothing wrong with that,

697
00:59:22.880 --> 00:59:30.280
Okay already. I simply have to
find a good body shop, and we

698
00:59:30.360 --> 00:59:35.400
know of several. I mean,
really, they will do it. So

699
00:59:35.599 --> 00:59:37.559
go to Mark. Who do we
have just right off hand referral list?

700
00:59:37.840 --> 00:59:43.360
Well, Michael sold I still think
you're a good organization. I don't know

701
00:59:43.360 --> 00:59:45.159
about the new ownership, but I'll
tell you this, it looks like the

702
00:59:45.239 --> 00:59:50.280
same people are there that actually work
on the cars. So I'm pretty comfortable

703
00:59:50.320 --> 00:59:55.119
saying Michael's in Castle Rock is a
good one. Michaels and Castle Rock.

704
00:59:55.239 --> 00:59:59.920
Okay, they are a good organization, although I couldn't do a call back

705
01:00:00.400 --> 01:00:06.199
the area. Yeah, body Works, Murray body Works, they're excellent.

706
01:00:07.199 --> 01:00:09.679
Okay, Well, thank you so
much for you body Works by Murray Motor

707
01:00:09.760 --> 01:00:15.000
Imports. What kind of car do
you have that's a Chevy Tahoe. Yeah,

708
01:00:15.039 --> 01:00:20.880
they can still work on that.
You can also try a good Chevy

709
01:00:20.920 --> 01:00:23.960
dealer that has a body shop.
Don't go to one that doesn't have one.

710
01:00:23.960 --> 01:00:29.119
They're just going to sub it out. But yeah, try body works.

711
01:00:29.360 --> 01:00:36.239
Although I'll tell you where'd you get
the estimate duel collision? And why

712
01:00:36.239 --> 01:00:38.599
don't you want to go there?
I do want to go there, but

713
01:00:38.719 --> 01:00:45.719
they refuse to work with for a
lawyer because of problems they've had in the

714
01:00:45.760 --> 01:00:50.719
past with them. But would they
do it if you guarantee it? Oh,

715
01:00:50.760 --> 01:00:53.119
they'll do it if I guarantee you
yes, and then you might if

716
01:00:53.159 --> 01:00:57.800
you know these guys, you might
want to do it. Listen, Mark,

717
01:00:57.880 --> 01:01:01.760
we have to shore up our We
have to shore up our body shops.

718
01:01:01.800 --> 01:01:06.079
Man, we don't have any we
got I'll tell you what happened to

719
01:01:06.119 --> 01:01:08.159
them during COVID. I think they're
recouping now, But I mean they'd have

720
01:01:08.280 --> 01:01:15.480
cars three four five months. There's
another one that I've always heard was good,

721
01:01:15.960 --> 01:01:22.159
and that's caliber. They're a big
outfit over on East Evans, I've

722
01:01:22.159 --> 01:01:25.039
heard. I mean, they're a
big outfit. They did some good work

723
01:01:25.039 --> 01:01:29.360
for me, Tom. Yeah,
I heard some good things about him.

724
01:01:30.280 --> 01:01:32.480
All right, uh Ray, let
us know how it goes, though,

725
01:01:32.639 --> 01:01:36.760
and that's what we that's what I
think we would do. Three zero three

726
01:01:37.000 --> 01:01:39.920
seven one three eight two five five. What's on your mind? Give us

727
01:01:39.960 --> 01:01:44.400
a call. We'll talk about Valentine's
Day. Two. I'd like to know

728
01:01:45.280 --> 01:01:49.400
what you are doing for Valentine's Day. By the way, Frank Duran,

729
01:01:49.519 --> 01:01:55.000
the real estate man, is busy
doing analysis or valuations of homes. People

730
01:01:55.039 --> 01:01:59.440
want to know what will my home
self were now because they don't want to

731
01:01:59.480 --> 01:02:02.400
sit still, they don't want to
wait. Frank can give you an analysis

732
01:02:02.480 --> 01:02:07.880
of your home in this market,
and it's free of charge, taking into

733
01:02:07.000 --> 01:02:14.199
all into consideration all the factors now
three oh three nine two zero sixteen twenty

734
01:02:14.239 --> 01:02:24.599
two. Go with a sure thing
Denver's Best roofer Excel Roofing dot com.

735
01:02:24.639 --> 01:02:31.400
You don't pay a cent until you're
content. Time for an insurance check up

736
01:02:31.480 --> 01:02:37.000
free no obligation comparison call Compass Insurance
paying too much your coverage at dozens of

737
01:02:37.000 --> 01:02:40.599
insurance companies find out now three oh
three seven to seven to one help.

738
01:02:40.760 --> 01:02:45.559
You'll think you're his only customer when
you choose Frank Durand the real estate man

739
01:02:45.599 --> 01:02:50.119
dot com to list your home with
Remax Alliance three oh three nine two zero

740
01:02:50.199 --> 01:03:01.119
sixteen twenty two. His Tom Martino
here three oh three seven one three talk

741
01:03:01.159 --> 01:03:05.639
three or three seven one three eight
two five five. AJ, what's going

742
01:03:05.679 --> 01:03:09.159
on with you? Man? Hey, thanks so much for taking my call.

743
01:03:09.320 --> 01:03:13.519
I've got two issues. The first
one I had a contractor walk off

744
01:03:13.559 --> 01:03:19.960
the job. I mean could go
yesterday, and this person already did a

745
01:03:19.960 --> 01:03:24.199
project for us. And you know
they have a deposit no money, of

746
01:03:24.239 --> 01:03:30.679
about oh fourteen thousand dollars. WHOA
so wait a minute, can I assume

747
01:03:31.519 --> 01:03:37.559
AJ? He walked off the job
after taking a deposit of fourteen grand and

748
01:03:37.639 --> 01:03:45.360
you did not get any value.
So a portion of the materials were delivered,

749
01:03:45.400 --> 01:03:50.440
and when I looked him up online, the value of that about five

750
01:03:50.480 --> 01:03:55.440
thousand dollars. And they weren't the
entire material list, but they walked off

751
01:03:55.440 --> 01:04:00.920
the job because I got frustrated because
they weren't putting the preventative measures down as

752
01:04:00.960 --> 01:04:06.039
far as the plastic and heartwore and
all that stuff down on the carpet and

753
01:04:06.119 --> 01:04:13.599
everything. So I kind of called
the contractor out there. They have the

754
01:04:13.599 --> 01:04:17.960
initial demo, and we just hold
on, hold on, AJ. Some

755
01:04:18.159 --> 01:04:27.159
materials were delivered and they did do
some initial demo or not no demo,

756
01:04:27.360 --> 01:04:30.960
just a portion of the materials were
delivered, and it was the first day

757
01:04:30.000 --> 01:04:34.880
of the demo to began. They
had already completed a project's basement and they

758
01:04:35.000 --> 01:04:39.519
put all the preventive measures down around
the doorway and all the Look, okay,

759
01:04:39.559 --> 01:04:43.039
AJ, what I need to know
is this on the basement. I

760
01:04:43.079 --> 01:04:46.840
don't want to mix these up on
the basement. Right, it was completely

761
01:04:46.880 --> 01:04:51.639
done paid for. There's no issue, is that right. They're still an

762
01:04:51.679 --> 01:04:58.039
outstanding credit that they owe us,
so approximately let's say fifteen hundred dollars.

763
01:04:58.079 --> 01:05:02.039
But that's the point of matter,
is that job was done to a certain

764
01:05:02.119 --> 01:05:06.320
standard. No, I get it. I get why you're upset. What's

765
01:05:06.360 --> 01:05:13.800
the name of the contractor. I'd
rather do that off line or not on

766
01:05:13.840 --> 01:05:16.679
the air, just because okay,
and and let me ask another question.

767
01:05:17.599 --> 01:05:23.519
If this guy walked off the job, does he expect to keep the money

768
01:05:23.719 --> 01:05:30.880
or is he going to settle up? Uh? The reason they love they

769
01:05:30.000 --> 01:05:34.639
walked off the job is they claimed
it was a hostile work environment because I

770
01:05:34.880 --> 01:05:40.079
I lost my cool getting the fact
that our family just withdraw this health issues.

771
01:05:40.239 --> 01:05:44.079
No, I get it, I
get it. But it doesn't matter

772
01:05:44.159 --> 01:05:48.480
what reason he gave. Is he
saying because it was hostile, it was

773
01:05:48.559 --> 01:05:54.239
a breach and he gets to keep
the money. I didn't say it was

774
01:05:54.239 --> 01:05:58.079
a breach, He just said it
was unsafer? Is for Okay, I'm

775
01:05:58.079 --> 01:06:02.280
going to ask this again, AJ. Does he claim he has a right

776
01:06:02.559 --> 01:06:11.679
to keep your money? They want
to. They send an email to basically

777
01:06:11.760 --> 01:06:15.960
say, we want to give you
credit for the material delivered. The reality

778
01:06:15.000 --> 01:06:21.000
is the material delivered he wasn't complete
and be and it was marked out for

779
01:06:21.159 --> 01:06:26.119
I'm sure pretty What does that mean? What does that mean he wants to

780
01:06:26.159 --> 01:06:30.800
give you credit for materials delivered?
You mean he wants to get credit for

781
01:06:30.880 --> 01:06:38.800
that? Correct? Well, Sin, what does he think he owes you?

782
01:06:41.320 --> 01:06:47.280
We sent the response email on Saturday. What does he think he hasn't

783
01:06:47.280 --> 01:06:55.480
told you? Yet what he is
willing to refund correct. That's where it's

784
01:06:55.519 --> 01:07:00.199
all going to lie. Aj I
wouldn't want the guy at my house go

785
01:07:00.320 --> 01:07:03.519
with a sure thing Denver's Best roofer
Excel Roofing dot com. You don't pay

786
01:07:03.559 --> 01:07:11.320
a cent until you're content. Leave
time for an insurance check up free no

787
01:07:11.440 --> 01:07:16.360
obligation comparison call Compass Insurance paying too
much your coverage at dozens of insurance companies

788
01:07:16.440 --> 01:07:19.880
find out now three oh three seven
seven to one help. You'll think you're

789
01:07:19.920 --> 01:07:24.800
his only customer when you choose Frank
durand the real estate Man dot com to

790
01:07:24.880 --> 01:07:29.599
list your home with Remax Alliance three
oh three nine two zero sixteen twenty two

791
01:07:34.400 --> 01:07:44.039
Ripped News. You needed that?
Who you don't have? Run? Anxious

792
01:07:44.639 --> 01:07:51.280
as a cam? Shooter's gonna help? Come Man six is the Troubleshooter Show.

793
01:07:51.880 --> 01:07:58.360
No Tom Martino, Hi Tom Martino
here, Welcome to the show.

794
01:07:58.440 --> 01:08:01.639
Three O three seven one three talk
three all three seven one three eight two

795
01:08:01.719 --> 01:08:05.840
five five Here to help you solve
problems, answer questions, and take complaints.

796
01:08:05.880 --> 01:08:11.639
Waterpros dot net now has financing available
for all their water systems, and

797
01:08:11.679 --> 01:08:15.199
you can get a whole house system
the full Monty for just ninety bucks a

798
01:08:15.239 --> 01:08:17.199
month for a limited time. Also, I want to tell you you can

799
01:08:17.199 --> 01:08:21.079
get drinking water reverse osmosis at the
kitchen sink now more than ever. Did

800
01:08:21.079 --> 01:08:25.600
you see those stupid little filters Denver
sends out to clean up your water?

801
01:08:25.840 --> 01:08:29.640
Are you kidding me? They're admitting
they can't keep your water safe. They're

802
01:08:29.640 --> 01:08:32.000
admitting it. Denver has gone in
the toilet. By the way, a

803
01:08:32.079 --> 01:08:35.720
waterpros dot net three O three eight
six two five five five four. You

804
01:08:35.720 --> 01:08:40.359
remember what a great city we moved
to, or maybe you were born here.

805
01:08:41.159 --> 01:08:45.000
I mean, can you believe?
Can really can you believe what's happening

806
01:08:45.000 --> 01:08:49.560
to this city in general? In
general? God, I mean, what

807
01:08:49.720 --> 01:08:54.399
a mess? What a mess?
You know? I don't even go downtown.

808
01:08:54.439 --> 01:08:58.119
Do you go downtown anymore? You
think people are gonna go downtown ever

809
01:08:59.000 --> 01:09:02.600
only to the theater and then go
back home. But even there, you're

810
01:09:02.680 --> 01:09:05.840
right, you can part it and
get out. It sucks. Now.

811
01:09:06.079 --> 01:09:12.399
This issue with a contractor, AJ
said he put down some money and the

812
01:09:12.439 --> 01:09:15.399
guy walked away. There was a
disagreement. No matter what the reason,

813
01:09:15.800 --> 01:09:20.119
if there's a breakdown in communication,
I don't think any contractor should keep money

814
01:09:20.680 --> 01:09:28.079
that has not been spent on the
project. In fact, the Contractor's Trust

815
01:09:28.239 --> 01:09:32.560
Act is very clear on that money
put down for a project has to be

816
01:09:32.680 --> 01:09:39.479
used for the project, can't be
cross collateralized or cross mingled with anything else.

817
01:09:40.960 --> 01:09:45.359
Now, if AJ put for fourteen
grand down and they had a falling

818
01:09:45.399 --> 01:09:53.520
out, unless the contractor lost money
as a result of that and can prove

819
01:09:53.560 --> 01:09:59.119
it. Let's say AJ breached the
contract and this contractor had ordered stuff and

820
01:09:59.159 --> 01:10:02.279
paid for it, well, then
AJ should pay for it. But then

821
01:10:02.359 --> 01:10:06.359
AJ should get the stuff that was
ordered for him. If there were designs

822
01:10:06.439 --> 01:10:12.199
done, he should be paid for
the designs. The contractor he had mentioned

823
01:10:12.239 --> 01:10:16.000
that about five thousand dollars in materials
were delivered. I think that's what he

824
01:10:16.079 --> 01:10:20.560
said. AJ. Is that what
you said, were about five thousand dollars

825
01:10:20.560 --> 01:10:27.479
in materials delivered? Yeah? When
I looked at all the goods that were

826
01:10:27.520 --> 01:10:30.479
delivered, you know, the value
what I could look online was about five

827
01:10:30.520 --> 01:10:35.479
thousand dollars. Now did the contract
or pay Did the contractor order those or

828
01:10:35.479 --> 01:10:40.840
did you pay for them? Yes? The contract Yes, I said,

829
01:10:40.920 --> 01:10:46.119
did the contractor pay for those or
did you pay for those? I paid

830
01:10:46.159 --> 01:10:50.800
the contractor who delivered those goods,
and then okay, value that I determined.

831
01:10:51.279 --> 01:10:56.720
Okay, So what I am saying
is if you paid him a fourteen

832
01:10:56.760 --> 01:11:01.840
thousand dollars deposit and he gave you
five thousand in goods, he would owe

833
01:11:01.840 --> 01:11:09.680
you nine grand. Yes, But
what if I choose to go in a

834
01:11:09.680 --> 01:11:13.199
different direction with the materials and just
say you breached it, you walked off

835
01:11:13.199 --> 01:11:15.439
the job, take it all back, give me one hundred percent refund other

836
01:11:15.479 --> 01:11:20.119
than the plans you drew up.
I don't think you could do that.

837
01:11:20.640 --> 01:11:26.399
Well, I think you could under
this, says Okay. If you could

838
01:11:26.479 --> 01:11:31.159
prove that he was one hundred percent
at fault for breaching the contract, then

839
01:11:31.479 --> 01:11:35.760
I would do Then. I believe
you could unwind everything and say I don't

840
01:11:35.760 --> 01:11:41.680
want those materials. But here's what
I think would happen. I think it

841
01:11:41.680 --> 01:11:45.279
would cost you more than that to
prove that, and it would be a

842
01:11:45.319 --> 01:11:51.119
mess. I think that you have
the value of the goods, and in

843
01:11:51.239 --> 01:11:57.039
most court cases they would probably rule
I'm not giving you legal advice, but

844
01:11:57.600 --> 01:12:01.000
just what has happened in the past, they would probably say. It's something

845
01:12:01.039 --> 01:12:08.479
called quantum Marriott Marriwitt, which means
you got the you got the value,

846
01:12:08.880 --> 01:12:13.920
pay pay for what you got and
any design work. If this contractor could

847
01:12:13.920 --> 01:12:19.479
put together a reasonable amount that he
he he gave you in goods and in

848
01:12:19.720 --> 01:12:27.199
services such as design work, then
he could probably walk away and refund the

849
01:12:27.319 --> 01:12:32.159
balance. So I don't think it's
I'm just saying my my impression. I

850
01:12:32.199 --> 01:12:35.760
don't think it's reasonable to want one
percent of your money back. In fact,

851
01:12:35.800 --> 01:12:39.520
I don't think you'll get it,
So I don't think I think it'll

852
01:12:39.520 --> 01:12:44.760
be more of a fight than it's
worth. Well, unfortunately, when my

853
01:12:44.840 --> 01:12:50.279
wife signed this deal, the legal
ramifications there's nothing other than a better Business

854
01:12:50.319 --> 01:12:56.119
Bureau mediator, which I'm not a
real fan of, but that's our really

855
01:12:56.239 --> 01:13:00.720
only option. Wait a minute,
we're going to agreed to a better Business

856
01:13:00.760 --> 01:13:11.399
Bureau arbitration? Yeah, our family
did, Yes, so you agreed not

857
01:13:11.560 --> 01:13:18.079
to sue. Yeah, well that's
good because a lawsuit in this case would

858
01:13:18.119 --> 01:13:21.800
be useless. But I don't think
I think the better business brewer. There

859
01:13:21.800 --> 01:13:26.319
are a bunch of morons. So
I mean, if they're a dinosaur that

860
01:13:26.399 --> 01:13:29.840
you know, they don't they have
no function at this point in life.

861
01:13:30.119 --> 01:13:33.359
I mean, it's it's a relic
of the past. But if they have,

862
01:13:33.920 --> 01:13:38.920
did they say who they provide as
an arbitrator and how you do arbitration?

863
01:13:41.600 --> 01:13:44.439
I haven't even gotten that other than
that's the course of action on a

864
01:13:44.479 --> 01:13:49.279
disagreement. Has the guy offered anything
or is he expecting to keep the whole

865
01:13:49.319 --> 01:13:56.239
thing? What does he want to
do? I haven't heard anything since our

866
01:13:56.239 --> 01:14:00.600
response on Saturday last week. They
walked off Tuesday a week ago. In

867
01:14:00.880 --> 01:14:08.880
your response, your response was what
what? A response to what? Basically

868
01:14:09.000 --> 01:14:12.640
said, listen, you broke the
contract. You walked off the job.

869
01:14:12.800 --> 01:14:15.960
Yes, a husband got upset because
you didn't follow a protocol, was laying

870
01:14:16.640 --> 01:14:20.600
you know, things down the carpet
and protective measures. But that doesn't just

871
01:14:20.680 --> 01:14:27.119
fly you to break a contract.
And secondly, we've asked for our full

872
01:14:27.239 --> 01:14:30.960
deposit of materials given back and you
can come pick the stuff up. That's

873
01:14:30.960 --> 01:14:33.920
where we left it. And we
said we've taken an inventory of goods.

874
01:14:34.000 --> 01:14:40.119
What is your inventory? Show and
spend crickets? Okay, But before you

875
01:14:40.199 --> 01:14:47.640
said that, did he send you
anything? Yeah? Basically said unsafe,

876
01:14:49.039 --> 01:14:53.319
hostile work conditions. I don't want
to put my staff at that risk.

877
01:14:54.119 --> 01:15:00.960
And we were relieving and we can
give you credit for whatever materials. You

878
01:15:00.000 --> 01:15:02.439
know, Okay, he can pay
for whatever those materials, but I don't

879
01:15:02.479 --> 01:15:05.239
want to have to pay more.
Hold on, hold on, So did

880
01:15:05.279 --> 01:15:13.439
he say though? Did he say
I would refund the balance? It was

881
01:15:13.439 --> 01:15:17.920
a very loose language, well determined
adult, and that's kind of what we've

882
01:15:17.920 --> 01:15:23.680
corresponded as what that is. Well, I think you're unreasonable. He's unreasonable,

883
01:15:23.720 --> 01:15:27.479
So you're both unreasonable. So it's
probably going to end up in court

884
01:15:28.000 --> 01:15:33.720
unfortunate or at arbitration. But I
believe that if you are willing to walk

885
01:15:33.720 --> 01:15:38.640
away, I don't what what design
did you get? Did you get a

886
01:15:38.680 --> 01:15:44.840
plan? We did, and that's
part of the fee, and that's fine.

887
01:15:44.840 --> 01:15:46.760
We accept that fee. But well, hold on, how much?

888
01:15:47.079 --> 01:15:53.640
How much is the how much is
the plan? A couple of thous of

889
01:15:53.680 --> 01:16:00.560
books? Well, who says,
well, that's what that's what they determined

890
01:16:00.800 --> 01:16:08.960
for sure? Who determined, aja, I'm sorry, who determined this?

891
01:16:09.119 --> 01:16:14.640
Designer and contractor they established? Did
the designer say they wanted two thousand dollars

892
01:16:14.640 --> 01:16:20.760
for design? I had a certain
fee that was agreed upon before the project?

893
01:16:20.800 --> 01:16:29.279
How much was the fee that was
agreed upon? Two thousand Okay,

894
01:16:29.760 --> 01:16:33.680
So the way I look at it, there's two thousand in a fee,

895
01:16:34.039 --> 01:16:45.239
five thousand in materials for a total
of seven thousand. So I think you

896
01:16:45.359 --> 01:16:49.640
should ask them or or we can
for you if you want to settle for

897
01:16:49.760 --> 01:16:55.439
seven thousand, get a seven thousand
dollars refund and move on. If you

898
01:16:55.560 --> 01:16:58.800
want us to do that, we
will. If you don't want us to

899
01:16:58.840 --> 01:17:01.239
do that, good luck and go
to the Better Business Bureau. But I

900
01:17:01.279 --> 01:17:05.479
think both of you have to give
a little. Zach's got a comment on

901
01:17:05.520 --> 01:17:09.640
this. Go ahead, Kachina,
just find out what AJ wants to do,

902
01:17:09.800 --> 01:17:14.279
and we'll let Deputy Doc call over
to the contractor and say, look,

903
01:17:14.319 --> 01:17:17.000
you know two thousand for design,
five thousand for materials, will you

904
01:17:17.039 --> 01:17:20.880
give the other seven thousand back?
That's what they should do. Zach,

905
01:17:21.000 --> 01:17:25.239
what do you have to say?
Go ahead, Zach Hei Tom. I

906
01:17:25.279 --> 01:17:28.640
think what this guy is trying to
say is the contractor went through his buddy

907
01:17:28.680 --> 01:17:30.960
to buy the materials and he got
a markup on it, and he doesn't

908
01:17:30.960 --> 01:17:34.800
think the guy should pay for that
guy's kickback on the markup. That's why

909
01:17:34.840 --> 01:17:38.119
you say I didn't hear it,
Well, I didn't hear him say that

910
01:17:38.199 --> 01:17:42.439
at all. But if that's the
case, that's not for him to determine.

911
01:17:42.560 --> 01:17:45.960
If he if I mean, it
would be whatever the value of that

912
01:17:46.039 --> 01:17:51.000
material is, that value has to
be discussed. Whatever the value of the

913
01:17:51.039 --> 01:17:59.279
material is. He doesn't just get
to arbitrarily say here's the way it's going

914
01:17:59.359 --> 01:18:01.199
to be. I want all my
money back. He's just not going to

915
01:18:01.239 --> 01:18:04.479
get to say that. And it's
too bad. But it doesn't work that

916
01:18:04.560 --> 01:18:09.279
way. You don't get to dictate
your terms and conditions. Thank you,

917
01:18:09.399 --> 01:18:12.560
Zach, I do appreciate you calling
though. Three oh three seven one three

918
01:18:13.119 --> 01:18:23.920
A two five five Go with a
sure thing Denver's Best roofer Excel Roofing dot

919
01:18:23.960 --> 01:18:30.640
com. You don't pay a cent
until you're content than time for an insurance

920
01:18:30.720 --> 01:18:33.960
check up free, no obligation.
In comparison, call Compass Insurance paying too

921
01:18:34.039 --> 01:18:39.319
much your coverage at dozens of insurance
companies find out now three oh three seven

922
01:18:39.319 --> 01:18:42.840
to seven to one help. You'll
think you're his only customer when you choose

923
01:18:42.840 --> 01:18:46.319
Frank durand the real estate Man dot
com to list your home with Remax Alliance

924
01:18:46.520 --> 01:18:55.560
three oh three nine two zero sixteen
twenty two. Hi Tom Martine here,

925
01:18:55.640 --> 01:18:58.640
three oh three seven one three talks
seven O three eight two five five.

926
01:18:58.720 --> 01:19:02.479
We have Mark with a smart kunkle
from probid Energy dot com. They do

927
01:19:03.119 --> 01:19:09.520
solar systems. So with solar systems
right now, financing is a bit of

928
01:19:09.560 --> 01:19:13.640
a challenge. But you have some
good money through a government backed agent,

929
01:19:15.199 --> 01:19:17.920
go ahead. Colorado renew Loan has
a great, great loan for solar and

930
01:19:18.039 --> 01:19:21.760
batteries. And if you live in
Denver, there's some rebates tied to the

931
01:19:21.760 --> 01:19:25.039
heat pumps too, so if you
have a heat pump, you can get

932
01:19:25.039 --> 01:19:27.960
a rebate on the solar. So
there's a lot of good things happening out

933
01:19:27.960 --> 01:19:30.560
there. People just have to reach
out to us and we'll put together a

934
01:19:30.600 --> 01:19:34.680
design form. We need to out
way is there's no charge to come out

935
01:19:34.720 --> 01:19:38.439
and look and do design. No, not at all. We'll do that.

936
01:19:38.479 --> 01:19:41.840
We can even do it virtually.
I just have to provide us with

937
01:19:41.880 --> 01:19:44.880
one of their electric bills and we
can build something off of that. Do

938
01:19:45.039 --> 01:19:48.880
most people have the exposure for sun
that they need to get a system.

939
01:19:49.239 --> 01:19:53.079
Yeah, around here they really do. I mean there's a lot of great

940
01:19:53.119 --> 01:19:58.920
sun exposure in Colorado and we're we
rank high for solar power and there's a

941
01:19:58.960 --> 01:20:01.920
lot I don't have to do.
You have to have southern exposure. Southern's

942
01:20:01.960 --> 01:20:05.760
the best. But with time of
use. Now east and west also works

943
01:20:05.840 --> 01:20:09.960
very well. Now what do you
mean by time of use? So Excel

944
01:20:10.039 --> 01:20:15.720
charges you more in the afternoon for
your electricity, So if you're on a

945
01:20:15.760 --> 01:20:19.279
west facing roof, you're producing more
in that afternoon. So there's a lot

946
01:20:19.279 --> 01:20:23.560
of tricks to the trade and that's
why we're an experienced solar company. And

947
01:20:24.520 --> 01:20:28.680
now batteries help with demand too,
right, Yeah, charge the batteries with

948
01:20:28.760 --> 01:20:32.319
your solar and discharge during the highest
price, which is hey, mark you

949
01:20:32.399 --> 01:20:39.000
and the charge. When Excel charges
more money because of these smart meters,

950
01:20:39.039 --> 01:20:42.359
by the way, people are insane, I would go with direct billing those

951
01:20:42.359 --> 01:20:45.399
smart meters that they're just garbage,
and they're thinking of changing that. I

952
01:20:45.439 --> 01:20:49.159
don't know if you guys saw that. They're thinking of instead of whatever it

953
01:20:49.239 --> 01:20:53.880
is now three to seven or whatever
the peak time is, they're thinking of

954
01:20:54.000 --> 01:20:56.880
moving that. They were talking about
it in front of the PUC. But

955
01:20:57.319 --> 01:21:00.520
where I'm going is when you pay
more money for solar, are you selling

956
01:21:00.560 --> 01:21:04.319
it to them for more money or
for the same amount or for less money.

957
01:21:04.319 --> 01:21:08.880
How does Excel screw you there?
Well, it's it's a per kill

958
01:21:08.880 --> 01:21:12.960
a wat one killowat to one killowat
trade, you know, So it's an

959
01:21:13.039 --> 01:21:18.279
even trade with the production. So
it doesn't matter when you're producing it.

960
01:21:18.560 --> 01:21:24.119
You're getting an exact trade on it. Yes, that's my way. When

961
01:21:24.119 --> 01:21:27.800
you produce excess and sell it to
the grid. So if you don't they

962
01:21:27.800 --> 01:21:30.439
buy it at wholesale, they don't
buy it. They store it as a

963
01:21:30.439 --> 01:21:33.119
grid credit. If you do buy
it, they pay it back at like

964
01:21:33.239 --> 01:21:39.000
four cents of killo watt three cents
ago. But the wait marky that was

965
01:21:39.039 --> 01:21:42.760
my whole question. So it doesn't
matter what the pricing is. So if

966
01:21:42.800 --> 01:21:46.319
all you do is use peak time
and you're paying whatever that is, as

967
01:21:46.319 --> 01:21:49.600
long as it's a credit per credit, it doesn't matter the cost. You're

968
01:21:49.600 --> 01:21:55.039
offsetting it with a credit. Correct. Now, there are some examples that

969
01:21:55.399 --> 01:22:00.840
Time had earlier with commercial where they'll
overproduce and have a partnership with Excel,

970
01:22:00.159 --> 01:22:03.279
But very few times will you see
that in residential sitting. No, No,

971
01:22:03.359 --> 01:22:06.359
you won't see that in residential by
the way. By the way,

972
01:22:06.880 --> 01:22:11.479
Mike wants to talk about breaking a
lease, so let's get him in here.

973
01:22:11.560 --> 01:22:14.399
Go ahead, Mike, and anyone
can call. We have some lines

974
01:22:14.439 --> 01:22:16.600
open at three oh three seven one
three talk seven one three eight, two

975
01:22:16.680 --> 01:22:20.920
five five, or of course three
oh three Martino, and you can always

976
01:22:21.000 --> 01:22:24.720
leave a message and we will call
you back three oh three six two seven

977
01:22:24.760 --> 01:22:28.079
eight four sixty six. Go ahead, Mike, Yeah, Tom, this

978
01:22:28.199 --> 01:22:32.479
started the first to last month right
about and then uh, my water in

979
01:22:32.520 --> 01:22:35.840
my bathtub was not going town down
when I was taking the shower was growth

980
01:22:35.880 --> 01:22:40.680
slow, so I'd ended up setting
it in dirty water where I took a

981
01:22:40.720 --> 01:22:44.720
shower. Yeah, first or last
month, I told the landler about this,

982
01:22:44.960 --> 01:22:47.279
plus a couple of other small things
in the apartment. As she said,

983
01:22:47.359 --> 01:22:53.680
you get a fix all month long. I stood in dirty water first

984
01:22:53.720 --> 01:22:57.399
of this month. I told her
again. I said, I got actless

985
01:22:57.399 --> 01:23:00.399
slit my skin on my on my
bottom of my feet, killing off because

986
01:23:00.439 --> 01:23:03.880
I stand in dirty water every time
I take a shower. TM I,

987
01:23:04.079 --> 01:23:10.439
we get it. Yeah, we
get we believe you. This is almost

988
01:23:10.840 --> 01:23:13.600
a month and a half too much, Okay, Now, Mike, that

989
01:23:13.800 --> 01:23:18.680
would not be a habitability issue most
of the time. It depends on the

990
01:23:18.760 --> 01:23:26.520
municipality. But what they consider a
habitability issue. Of prime importance is safety

991
01:23:26.560 --> 01:23:33.439
and security, and they consider for
example, heating not air necessarily, but

992
01:23:33.560 --> 01:23:43.319
heating utilities like running water, hot
water. There's certain things that are considered

993
01:23:44.640 --> 01:23:49.640
habitability issues. Okay, now I'm
seventy years I'm seventy years old. That's

994
01:23:49.760 --> 01:23:54.640
week so sopium. Other than that
shower, I slipped the fount and almost

995
01:23:54.680 --> 01:24:00.000
broke my back. Mike, Mike, that's not considered a standard of habitability.

996
01:24:00.239 --> 01:24:01.880
Okay, I know you're trying to
make it so, but it's not.

997
01:24:02.479 --> 01:24:06.600
I'm not telling you they shouldn't fix
it. I'm not telling you that.

998
01:24:08.119 --> 01:24:13.920
But I don't think it would be
strong enough to break your lease and

999
01:24:14.560 --> 01:24:18.560
say you had a right to do
it because the landlord breached the lease.

1000
01:24:19.159 --> 01:24:25.239
Now, what you could do is
go through this. You could go through

1001
01:24:25.279 --> 01:24:30.439
the steps of that constructive eviction.
You could say to her or him,

1002
01:24:31.039 --> 01:24:35.640
you need or the management company you
need to fix this for this reason,

1003
01:24:36.319 --> 01:24:41.920
and if you don't fix it within
a certain amount of time, you are

1004
01:24:41.960 --> 01:24:46.279
going to withhold the rent to pay
for it. You can't withhold all of

1005
01:24:46.319 --> 01:24:53.399
the rent, but you could call
a plumber to fix that to you and

1006
01:24:53.520 --> 01:24:59.439
pay the plumber for that issue.
However, you're going to risk an eviction,

1007
01:25:00.119 --> 01:25:04.640
and what you would have to do
is prove with receipts that you had

1008
01:25:04.680 --> 01:25:11.880
to do that repair for health reasons
and that you paid directly the plumber the

1009
01:25:11.920 --> 01:25:16.520
money you did not pay in rent. Or you could ask the landlord.

1010
01:25:16.680 --> 01:25:20.640
Just ask the landlord if they will
let you out of the lease. Do

1011
01:25:20.720 --> 01:25:25.399
you think they would let you out
of the lease? I don't know,

1012
01:25:25.479 --> 01:25:30.000
I asked, I don't know.
Now you're telling me you've complained about this

1013
01:25:30.159 --> 01:25:32.720
and they've not so much as called
anyone. Did you know a lot of

1014
01:25:32.760 --> 01:25:39.399
times you could buy something called liquid
plumber. All I'm saying is I tried

1015
01:25:39.479 --> 01:25:45.880
that and it did not work at
all. Uh I would well, well,

1016
01:25:45.000 --> 01:25:47.880
like one day it went down a
little bit, a little bit quicker,

1017
01:25:47.960 --> 01:25:51.920
but the next day would back to
stop again. I mean sometimes it

1018
01:25:51.960 --> 01:25:58.039
takes reteat repeated treatments. But you
know, we don't mind, Mike.

1019
01:25:58.159 --> 01:26:00.920
We wouldn't mind calling your landlord for
you and just saying, look, you

1020
01:26:00.960 --> 01:26:06.239
know, you really have an obligation
to fix things like this. We could

1021
01:26:06.600 --> 01:26:12.239
exaggerate a little, but I don't. If you think do you want to

1022
01:26:12.239 --> 01:26:14.199
move, let me ask you that, Mike, do you want to move?

1023
01:26:15.000 --> 01:26:19.560
Yes, I'm I can't live there
no more, Tom, I'm in

1024
01:26:19.600 --> 01:26:26.159
my apartment fund apartment. They okay, okay, do you have any serious

1025
01:26:26.199 --> 01:26:31.119
problems that would be habitability issues?
Do you have any heat problems or security

1026
01:26:31.199 --> 01:26:36.920
problems or anything like that. No, okay, what's the most serious problem

1027
01:26:36.960 --> 01:26:43.560
you have? Are you want any
subsidies? The other day, well today,

1028
01:26:43.600 --> 01:26:46.439
and I complained about it, and
she took pictures of it. I

1029
01:26:46.479 --> 01:26:51.840
walked out of my apartment and still
to this date, it's quote ice.

1030
01:26:53.119 --> 01:26:57.399
When I walk to my car,
it's like ten inches of ice, nothing

1031
01:26:57.399 --> 01:27:00.680
but ice. And the other jack
Now, I'm stout, almost broke my

1032
01:27:00.760 --> 01:27:03.600
neck. So I complained them to
her. She went and took pictures of

1033
01:27:03.640 --> 01:27:09.039
it, and up to today,
the eye is still there. The suddenly

1034
01:27:09.079 --> 01:27:11.840
hit it. I don't think you
almost broke your neck or you would have

1035
01:27:11.840 --> 01:27:15.359
been in the hospital, But well
I did. I did, scratched my

1036
01:27:15.479 --> 01:27:17.800
arm up pretty quick, and I
showed him the cuts I got out my

1037
01:27:17.920 --> 01:27:24.439
arm, and uh, she just
looked up because, wow, do you

1038
01:27:24.479 --> 01:27:28.319
want us to call? Do you
want us to call the landlady? And

1039
01:27:28.600 --> 01:27:32.239
kind of scare her A little into
getting a plumber out there. I was

1040
01:27:32.680 --> 01:27:38.479
gonna I'll go out ask you to
now the viction, Now, why don't

1041
01:27:38.479 --> 01:27:40.880
why don't you do it in a
nice way? First, here's what you

1042
01:27:40.960 --> 01:27:45.560
do. I got an idea,
Mike. Why don't you tell her that

1043
01:27:45.600 --> 01:27:53.079
you've talked to us, and we
talked to you about constructive eviction where you

1044
01:27:53.159 --> 01:27:59.119
can get out of a lease if
it's intolerable or unsafe or unhealthy, and

1045
01:27:59.159 --> 01:28:00.840
you don't want to have to go
through all of that. If she will

1046
01:28:00.880 --> 01:28:09.199
simply let you leave sounds, call
me back and let us know what she

1047
01:28:09.399 --> 01:28:13.039
says one way or the other.
Okay, I'd like to know. Three

1048
01:28:13.119 --> 01:28:15.720
oh three seven to one three talk
seven one three eight two five five Mike,

1049
01:28:15.760 --> 01:28:19.359
real quick here, let me start
you, Michael on this insurance claim.

1050
01:28:19.359 --> 01:28:23.600
Maybe we have to get an expert
on what's what's the issue with your

1051
01:28:23.640 --> 01:28:28.760
insurance claim? Michael? So it's
basically on my credit report. It's a

1052
01:28:28.800 --> 01:28:33.600
negative account because the insurance company took
more than six months to pay it off.

1053
01:28:35.199 --> 01:28:41.079
Oh, hold on, hold on, So they're the ones that made

1054
01:28:41.119 --> 01:28:45.680
you late and it's showing up on
your credit report, right, Yes,

1055
01:28:45.199 --> 01:28:54.239
all right, hang on, we'll
come back on that go with a sure

1056
01:28:54.359 --> 01:28:58.880
thing Denver's best roofer Excel Roofing dot
com. You don't pay a cent until

1057
01:28:58.920 --> 01:29:04.439
you're content. Time for an insurance
check up free, no obligation. In

1058
01:29:04.479 --> 01:29:10.800
comparison, call Compass insurance paying too
much your coverage at dozens of insurance companies

1059
01:29:10.880 --> 01:29:13.880
find out now three oh three seven
to seven to one. Help. You'll

1060
01:29:13.880 --> 01:29:16.720
think you're his only customer when you
choose Frank durand the real estate Man dot

1061
01:29:16.760 --> 01:29:21.479
com to list your home with Remax
Alliance three oh three nine two zero sixteen

1062
01:29:21.520 --> 01:29:32.359
twenty two. Hi, tell Martino, you're troubleshooter three oh three seven one

1063
01:29:32.439 --> 01:29:40.079
three talk. Oh so Michael,
you're what insurance claim? Was this a

1064
01:29:40.199 --> 01:29:44.800
health insurance claim? Or property or
casualty? What? Was it? Auto?

1065
01:29:45.079 --> 01:29:50.000
Auto accident? So what happened?
Okay, so full coverage on the

1066
01:29:50.079 --> 01:29:53.800
vehicle. Yes, it was my
fault. I rere in it somebody,

1067
01:29:53.840 --> 01:29:57.399
but they, of course agreed to
pay the claims as it was full coverage.

1068
01:29:57.840 --> 01:30:03.159
I owed a balance on the Wait
wait, wait your car? Was

1069
01:30:03.199 --> 01:30:11.560
your car totaled? Yes? So
you were ended another car and your car

1070
01:30:11.680 --> 01:30:18.079
was totaled? Yes? Okay,
go ahead, keep going so I had

1071
01:30:18.520 --> 01:30:23.880
still a balance on my loan.
So the insurance company agreed to pay me

1072
01:30:26.000 --> 01:30:30.039
the portion on top of what was
owed. So I got a check for

1073
01:30:30.159 --> 01:30:33.439
like a few thousand, but then
there were still like six or seven or

1074
01:30:33.439 --> 01:30:38.119
so thousand on the loan. They
said they would have to send directly to

1075
01:30:38.239 --> 01:30:42.039
the credit union and not to me
because it was owed to them. They

1076
01:30:42.039 --> 01:30:44.560
had a lean on it. So, Michael, I need to know something.

1077
01:30:45.479 --> 01:30:50.279
Did you have gap insurance or did
it just so happen that the value

1078
01:30:50.439 --> 01:30:58.640
of your car exceeded the loan both. I did pay down the loan quite

1079
01:30:58.680 --> 01:31:00.720
a bit. I also have GAFF
insurance, so I'm not sure. Okay,

1080
01:31:00.600 --> 01:31:05.439
you benefited, Okay, gotcha.
So, by all rights, your

1081
01:31:05.520 --> 01:31:12.720
car should have been paid for.
Yes, the issue is it was paid

1082
01:31:12.800 --> 01:31:18.680
for eventually, but it took so
long the credit union wrote it off.

1083
01:31:18.920 --> 01:31:21.960
So now it's like, I don't
know what they call it. I forget

1084
01:31:23.199 --> 01:31:26.880
on my credit report. Yeah,
it's a rite off. It's a bad

1085
01:31:27.000 --> 01:31:31.640
debt, they said. You know, okay, they took just you know,

1086
01:31:32.680 --> 01:31:38.680
the credit union did the right thing. They had a right to do

1087
01:31:38.760 --> 01:31:43.199
that, and they had a right
to hold you responsible. You know that

1088
01:31:43.319 --> 01:31:47.159
right, So it's not the credit
union. Your beef is with the insurance

1089
01:31:47.199 --> 01:31:53.279
company. How long did it take? How long did it take your insurance

1090
01:31:53.359 --> 01:31:58.399
company to pay off this balance.
It's been a while, so I know

1091
01:31:58.479 --> 01:32:04.199
it was like somewhere around six orine
months. That's that's unreasonable. I received

1092
01:32:04.279 --> 01:32:10.239
my check within a few weeks.
But so here's the thing, it took

1093
01:32:10.520 --> 01:32:15.239
longer. So I started calling my
insurance. I was going back and forth

1094
01:32:15.279 --> 01:32:18.279
between the insurance and the bank,
be like, why what's taking so long?

1095
01:32:18.319 --> 01:32:20.920
What's the problem? You know?
And I did this multiple times,

1096
01:32:21.279 --> 01:32:26.279
right, and they first they sent
it to the wrong place for some reason.

1097
01:32:26.319 --> 01:32:30.039
The bank said they never got to
check. Then I you know,

1098
01:32:30.800 --> 01:32:34.319
it's just over and over again.
I was trying to make sure you know,

1099
01:32:34.399 --> 01:32:39.199
I agree it sucks, but I
don't think it really matters to you.

1100
01:32:40.279 --> 01:32:45.520
Well, hold on, Mark,
technically, he was responsible to keep

1101
01:32:45.560 --> 01:32:49.199
making his payments. I find the
bandlord and something happens and someone owes me

1102
01:32:49.279 --> 01:32:53.279
money, and you know, there's
all kinds of reasons they don't have it.

1103
01:32:53.520 --> 01:32:55.880
At the end of the day,
it doesn't bother me. I just

1104
01:32:55.960 --> 01:33:00.279
want my money. Mark. We're
not saying that. I just say that

1105
01:33:00.600 --> 01:33:03.840
I just said that his credit union
did the right thing, and they don't

1106
01:33:03.840 --> 01:33:08.720
owe him anything, and they should
have reported him late, and all of

1107
01:33:08.760 --> 01:33:14.800
that's proper. What's not proper is
that his insurance company took nine months to

1108
01:33:14.840 --> 01:33:19.880
get it done, and that's what
caused the damage. However, the argument

1109
01:33:20.119 --> 01:33:25.960
may be made that during that nine
months he should have continued to make his

1110
01:33:26.079 --> 01:33:30.760
payments. Would this is what I
need to know. Did you ever consider,

1111
01:33:30.920 --> 01:33:34.560
because you would have gotten some of
that money back, did you stop

1112
01:33:34.640 --> 01:33:41.920
making car payments? Yeah? I
did so. On paper, it looks

1113
01:33:42.039 --> 01:33:47.840
like you defaulted on the loan.
I can't argue with that. So,

1114
01:33:48.159 --> 01:33:57.000
but your insurance company should have been
quicker at doing this. This is weird,

1115
01:33:57.119 --> 01:34:02.680
man. This is weird because it's
possible that even if they took a

1116
01:34:02.720 --> 01:34:05.800
month or so, you could have
been late on a payment or two.

1117
01:34:06.479 --> 01:34:12.359
See, this is what this is
where people get into trouble. I don't

1118
01:34:12.439 --> 01:34:16.720
know, man, I think I'd
be very upset if your insurance company took

1119
01:34:16.880 --> 01:34:27.640
that long. What does the credit
union say about it? They they're really

1120
01:34:28.279 --> 01:34:31.920
not taking any blame for it.
They're not going to change anything. Well,

1121
01:34:31.960 --> 01:34:36.239
they're not going to change anything,
but at what point did they say

1122
01:34:36.279 --> 01:34:43.880
they wrote it off after how many
months they didn't? I found out just

1123
01:34:43.880 --> 01:34:46.359
because I did one of those annual
credit checks looking over my credit, you

1124
01:34:46.359 --> 01:34:50.199
know, and how bad did it? How badly did it affect your credit?

1125
01:34:53.640 --> 01:34:57.039
Well, it's hard to tell you. Well, I mean, what

1126
01:34:57.159 --> 01:35:01.199
was your credit before and what is
it now? I couldn't answer that I

1127
01:35:01.239 --> 01:35:05.239
didn't follow it the month before and
the month after, you know you did

1128
01:35:05.359 --> 01:35:14.039
it was now? Well, let
me ask you if do you normally Michael,

1129
01:35:15.760 --> 01:35:20.039
what do you normally have as a
FICO score? It's around six fifty

1130
01:35:21.239 --> 01:35:28.239
normal? In other words, the
year before you say, you do your

1131
01:35:28.239 --> 01:35:31.520
annual report, the year before,
what was your credit score? I did

1132
01:35:31.600 --> 01:35:36.680
an annual report at that time.
I wasn't really concerned of what my credit

1133
01:35:36.760 --> 01:35:42.359
score was. Okay, but I
don't think your credit. Hold on,

1134
01:35:42.720 --> 01:35:45.840
I'm I'm reading between the lines here. I don't think your credit was affected

1135
01:35:45.880 --> 01:35:49.239
that much. If it was six
fifty at its best, what is it

1136
01:35:49.359 --> 01:35:56.439
now? Take fifty at right now? What was it at its best?

1137
01:35:57.800 --> 01:36:03.560
Oh, it's been up to six
nineties maybe, Okay, So what you

1138
01:36:03.720 --> 01:36:12.520
have to establish is that it substantially
affected you and caused you damage or will

1139
01:36:12.560 --> 01:36:15.520
cause you damage. I think,
so that's not coming off of there.

1140
01:36:15.560 --> 01:36:20.239
So you have an active default on
your record? Is that right? Yeah?

1141
01:36:20.319 --> 01:36:25.439
Which is bringing my score down regardless
of what it was prior. Well,

1142
01:36:26.000 --> 01:36:29.640
no, it's not regardless, because
if it's bringing your score down,

1143
01:36:30.039 --> 01:36:32.800
your score would have had to have
been higher. They see that burden is

1144
01:36:32.800 --> 01:36:39.119
on you. Okay, you have
to show that this is going to negatively

1145
01:36:39.159 --> 01:36:43.720
affect you and for how long?
And I would seek damages from my insurance

1146
01:36:43.760 --> 01:36:45.920
company, but you're going to have
to hire an attorney for it. It's

1147
01:36:46.000 --> 01:36:53.319
called slander of credit. It's a
difficult case and it's going to be expensive.

1148
01:36:53.920 --> 01:36:57.520
But do I think they did you
wrong? I think they did you

1149
01:36:57.640 --> 01:37:01.119
wrong. Do I think you could
have avoided it? Possibly? But hell,

1150
01:37:01.239 --> 01:37:06.239
who would make payments for nine months
on a car that was total?

1151
01:37:06.479 --> 01:37:11.960
I can see where this happened to
you, man, I can see where

1152
01:37:12.000 --> 01:37:17.239
this is dangerous, and it could
happen to anyone. Who's your insurance company?

1153
01:37:17.279 --> 01:37:28.279
It was Bristol West. That's a
high risk company? Is it that

1154
01:37:28.319 --> 01:37:32.880
a question? Yeah? Well okay, I've never heard of the company.

1155
01:37:32.920 --> 01:37:36.000
It sounds like a high risk company. I want to call our insurance experts.

1156
01:37:36.079 --> 01:37:40.279
But I have another question for a
miracle. I think it was Farmers

1157
01:37:40.319 --> 01:37:44.439
that I was my agent, but
then they pawned off the big policy the

1158
01:37:44.479 --> 01:37:47.920
Bristol West. Yeah. When you
say pawned it off, that means that

1159
01:37:48.399 --> 01:37:55.119
you didn't fall within the normal risk
tolerance of Farmers. And I believe Farmers

1160
01:37:55.279 --> 01:38:00.600
owns this crystal company. But I
want to check with our insurance experts to

1161
01:38:00.640 --> 01:38:04.079
find out a few things I need
to know this. How is this affecting

1162
01:38:04.119 --> 01:38:10.199
your life? Well? I just
had to recite I'm not refinanced, but

1163
01:38:10.359 --> 01:38:15.439
finance the new vehicle, which gave
me twenty percent interest rate, and I

1164
01:38:15.439 --> 01:38:19.880
feel like that has something to do
with my previous credit history. It could

1165
01:38:20.039 --> 01:38:24.760
even what was your interest rate before
this? I got to take a break,

1166
01:38:24.760 --> 01:38:28.000
come back and we'll talk. Here's
what I'm trying to get at.

1167
01:38:28.039 --> 01:38:30.479
Okay, so you can start thinking
about it from now, Michael, How

1168
01:38:30.520 --> 01:38:36.439
did it in actual dollars and cents
affect you? What's the number? More

1169
01:38:36.479 --> 01:38:46.079
coming up? Go with a sure
thing Denver's Best roofer Excel roofing dot com.

1170
01:38:46.119 --> 01:38:53.680
You don't pay a cent until you're
content. Time for an insurance check

1171
01:38:53.760 --> 01:38:58.840
up free no obligation In comparison,
call Compass Insurance paying too much your coverage

1172
01:38:58.840 --> 01:39:01.439
at dozens of insurance companies to find
out now three oh three seven to seven

1173
01:39:01.479 --> 01:39:04.880
to one. Help. You'll think
you're his only customer when you choose Frank

1174
01:39:04.960 --> 01:39:10.560
durand the real estate Man dot com
to list your home with Remax Alliance three

1175
01:39:10.560 --> 01:39:17.720
oh three nine two zero sixteen twenty
two. Hi Tom Marchino, you're a

1176
01:39:17.760 --> 01:39:24.960
troubleshooter three O three seven one three
talk seven one three eight two five five.

1177
01:39:25.079 --> 01:39:30.399
So, Michael, this insurance company
that you said you had it is

1178
01:39:30.720 --> 01:39:39.079
specifically a company for bad credit,
so you must have had credit challenges.

1179
01:39:43.720 --> 01:39:49.479
Michael, It's possible. Go with
a sure thing Denver's Best Roofer Excel Roofing

1180
01:39:49.560 --> 01:39:57.520
dot com. You don't pay a
cent until you're content time for an insurance

1181
01:39:57.600 --> 01:40:01.119
check up free. No obligation in
comparison, all Compass Insurance paying too much

1182
01:40:01.239 --> 01:40:05.199
your coverage at dozens of insurance companies. Find out now three all three seven

1183
01:40:05.199 --> 01:40:09.399
to seven to one. Help.
You'll think you're his only customer when you

1184
01:40:09.479 --> 01:40:13.640
choose Frank durand the real estate Man
dot com to list your home with Remax

1185
01:40:13.680 --> 01:40:20.760
Alliance three oh three, nine,
two zero, sixteen twenty two. Yeah,

1186
01:40:21.560 --> 01:40:30.199
ripped up news. Need that so
you don't have to come running just

1187
01:40:30.279 --> 01:40:39.039
as fast as we can. Shooter's
gonna help coming. Six is the Troubleshooter

1188
01:40:39.159 --> 01:40:44.920
Show. No Tom Martine, Hi
Tom Martine. Here, This is the

1189
01:40:44.920 --> 01:40:48.560
Troubleshooter Show. Forty five years going
strong, the longest running radio show with

1190
01:40:48.600 --> 01:40:54.279
the same hostill on the air doing
the same thing. That's right. Well,

1191
01:40:55.079 --> 01:41:00.000
here's one other show that actually was
on longer, but it's not technically

1192
01:41:00.039 --> 01:41:06.319
well, it was part music,
part talk at one time part music,

1193
01:41:06.359 --> 01:41:12.319
then talked then. So I mean, but he's actually the king of being

1194
01:41:12.359 --> 01:41:16.239
on the radio the longest he's been
on even though the show changed, So

1195
01:41:16.359 --> 01:41:21.479
that's a little technicality. Never talked
about that before. But he can't take

1196
01:41:21.520 --> 01:41:29.159
it away from that guy. No
highest paid radio celebrity of all time ever.

1197
01:41:30.199 --> 01:41:33.760
You know what I'm talking about,
King of media, baby, Yeah,

1198
01:41:33.760 --> 01:41:41.159
I know, yep, he is, there's no doubt, and even

1199
01:41:41.239 --> 01:41:46.880
more than Rush Limbaugh. In fact, his income dwarfs some Hollywood stars when

1200
01:41:46.920 --> 01:41:50.920
it comes to what I'd say,
almost all, Well, I don't know

1201
01:41:50.920 --> 01:41:56.600
about that. Who knows anyway?
You know what you know what I say.

1202
01:41:56.920 --> 01:42:04.600
There's one thing that I'm constant in
awe of and that is people who

1203
01:42:04.640 --> 01:42:09.720
produce the highest I don't mean money
even necessary, but for their performance.

1204
01:42:10.119 --> 01:42:14.199
Like when I saw the super Bowl. You know what, you can say

1205
01:42:14.239 --> 01:42:16.520
all you want about how much they
make and all that, but these people

1206
01:42:16.960 --> 01:42:23.880
are at such a high level of
performance. When I think about Mahomes a

1207
01:42:24.039 --> 01:42:29.600
twenty eight year old punk that man
is so awesome, and then Purty,

1208
01:42:29.680 --> 01:42:32.399
I mean when you think and Kelsey
and all these, when you think of

1209
01:42:32.560 --> 01:42:38.720
the the what do you call it? The performance? I mean such a

1210
01:42:38.920 --> 01:42:44.000
high level at not only at their
well yeah, at their age, especially

1211
01:42:44.079 --> 01:42:46.159
at their age. But you have
to admire it. I mean, you

1212
01:42:46.199 --> 01:42:49.079
know what, it's easy to hate
people like that, I mean, but

1213
01:42:49.119 --> 01:42:57.000
you got to admire performance where people
are just excellent at what they do.

1214
01:42:57.119 --> 01:43:00.479
God, I love it when it
comes to music, when it comes to

1215
01:43:00.680 --> 01:43:04.680
athleticism, when it comes to you
name it, you have to you have

1216
01:43:04.760 --> 01:43:11.960
to just say, you know what, those people are awesome and they're inspiring

1217
01:43:12.039 --> 01:43:15.520
as well. I think it shows
that anyone can do anything. But then

1218
01:43:15.640 --> 01:43:20.079
sometimes you have a tendency to look
at your own stuff, your own kids,

1219
01:43:20.079 --> 01:43:24.760
your own relatives your own life and
think, God, how did they

1220
01:43:24.840 --> 01:43:28.920
do that in such a short amount
of time, because they had to have

1221
01:43:28.960 --> 01:43:32.279
been geared toward that their entire life. If you look at the McCaffrey family,

1222
01:43:32.640 --> 01:43:36.720
it blows your mind. They got
three sons that are high performers in

1223
01:43:36.840 --> 01:43:41.199
football, and then you have you
know, and Christian of course, then

1224
01:43:41.359 --> 01:43:45.920
Eddie, and even as Eddie's wife, Lisa McCaffrey was a world class of

1225
01:43:46.000 --> 01:43:49.680
what she was doing, I was
track and I mean, man, I

1226
01:43:49.720 --> 01:43:55.119
mean, there are just people that
just they you know, you wind them

1227
01:43:55.159 --> 01:44:00.239
up, they wake up in the
morning and they blow everybody away. You

1228
01:44:00.239 --> 01:44:02.920
could say that for any any occupation. I mean, there are people who

1229
01:44:02.960 --> 01:44:08.600
are incredible artists, singers, people. I just said that. I just

1230
01:44:08.640 --> 01:44:12.399
said, high performers. It doesn't
matter what field is. And you're absolutely

1231
01:44:12.439 --> 01:44:15.920
right, but they just I wasn't
talking about just I happen to pick a

1232
01:44:15.920 --> 01:44:20.119
few athletes as as examples, but
you're right, I mean it have I

1233
01:44:20.159 --> 01:44:26.720
mean, look at these research scientists, look at these people who do a

1234
01:44:26.840 --> 01:44:30.640
high level of anything. I mean, astronauts, for God's sakes. I

1235
01:44:30.640 --> 01:44:38.319
mean, we have people that just
excel. But you but think about at

1236
01:44:38.399 --> 01:44:43.720
what age do they start getting serious
about whatever they're getting serious with. I

1237
01:44:43.800 --> 01:44:47.520
mean, you know, did de
Bakey start thinking about surgeries when he was

1238
01:44:47.960 --> 01:44:53.680
in his teens? Or or are
they just gifted? You know, I

1239
01:44:53.800 --> 01:44:59.000
do believe a lot in gifted.
I don't mean necessarily what do I mean

1240
01:44:59.000 --> 01:45:02.000
by gift meaning that they have aptitudes? They just don't you think doc people

1241
01:45:02.039 --> 01:45:06.600
have certain aptitudes, absolutely, And
I think what's interesting is that you have

1242
01:45:06.720 --> 01:45:12.279
to find what it is like you
take. Let's say, you know Roger

1243
01:45:12.359 --> 01:45:15.159
Federer, who's a great tennis player, right, yeah, I'll bet you

1244
01:45:15.199 --> 01:45:19.920
that if he had started on any
other sport when he was nine years old,

1245
01:45:20.119 --> 01:45:25.319
he would have excelled in that sport. So you think some more attitude.

1246
01:45:25.560 --> 01:45:29.800
No, I think it's just people
are athletically gifted. They have great

1247
01:45:30.199 --> 01:45:31.359
Oh I say, yeah, no, I see what you mean. Yeah,

1248
01:45:31.520 --> 01:45:34.520
or aiding attitude has a lot to
do with it too. There are

1249
01:45:34.560 --> 01:45:39.319
some people that just can't take the
challenge and they you know, but here's

1250
01:45:39.359 --> 01:45:44.399
the worst part. Here's the worst
part about human nature. When people can't

1251
01:45:44.399 --> 01:45:47.159
do things or no, no,
no, erase that not that they can't

1252
01:45:47.159 --> 01:45:50.319
do it, but when people don't
do things, or don't excel, or

1253
01:45:50.359 --> 01:45:55.680
don't push themselves, or are a
little lazy or some for some reason,

1254
01:45:56.640 --> 01:46:02.479
maybe they weren't nurtured, whatever it
was, and they start disliking those who

1255
01:46:02.520 --> 01:46:08.279
do because they're just downright jealous.
You know what I'm saying. Yeah,

1256
01:46:08.279 --> 01:46:11.399
that's crazy. Well, no,
there are tons of people in the world

1257
01:46:11.479 --> 01:46:15.159
that they'll hate this, they'll hate
that, they'll do this. They're grumps,

1258
01:46:15.279 --> 01:46:23.159
and it's because they don't. They
just rather than appreciate what humans can

1259
01:46:23.199 --> 01:46:28.039
do. If they can't do it, they poohoo it and they just don't

1260
01:46:28.079 --> 01:46:31.760
give credit where credit is due.
Now, as far as leaders, I've

1261
01:46:31.840 --> 01:46:36.000
often okay, let's talk about leaders. You know, to be a politician

1262
01:46:36.079 --> 01:46:40.680
and to aspire to an office is
a lofty thing. Now, you can

1263
01:46:40.720 --> 01:46:43.079
be a crooked son of a bitch
and be in the office, yes,

1264
01:46:43.279 --> 01:46:46.920
but I'm talking about in general,
to propel yourself to a public office,

1265
01:46:47.319 --> 01:46:51.840
put up with all the scrutiny and
get elected. That is one hell of

1266
01:46:51.880 --> 01:46:58.399
an accomplishment. I mean, think
about that. It is an accomplishment.

1267
01:46:58.840 --> 01:47:01.359
I mean, you know when you
have especially when you do a great job

1268
01:47:01.439 --> 01:47:04.479
at it, you know, I
mean, if you do a poor job

1269
01:47:04.560 --> 01:47:09.279
at it. It's still an accomplishment
that you got there. But I often

1270
01:47:09.399 --> 01:47:15.680
wonder sometimes what makes someone what they
are? You know, is it true,

1271
01:47:16.039 --> 01:47:20.399
like Doc said, would they be
whatever they wanted to be? If

1272
01:47:20.479 --> 01:47:27.039
John Elway put his mind to something
else? And I'm not talking just athletes,

1273
01:47:27.199 --> 01:47:31.920
like I'm talking about like if Mahomes
instead of wanting to be a quarterback,

1274
01:47:32.239 --> 01:47:36.600
if he put his mind to something
else, would he have excelled in?

1275
01:47:36.840 --> 01:47:41.199
Yeah, his dad was a major
league baseball player. I'm sure Mahomes

1276
01:47:41.239 --> 01:47:45.680
but would have been a great baseball
player. I'm not talking about athletics.

1277
01:47:45.960 --> 01:47:48.159
I'm talking about what if he wanted
to be a research scientist or something.

1278
01:47:48.159 --> 01:47:51.520
You know what I'm saying, I
don't think. I think. I think

1279
01:47:51.600 --> 01:47:57.840
there's a weaning process where people have
certain attributes and they get funneled into those

1280
01:47:57.880 --> 01:48:00.640
professions. And don't you think parents
have a hell of a lot to do

1281
01:48:00.720 --> 01:48:04.560
with bringing it out? I mean, I mean, if you saw the

1282
01:48:04.600 --> 01:48:10.000
story about Michael Jordan, how his
mom what his mom did? Oh my

1283
01:48:10.039 --> 01:48:14.319
god? You know. And and
by the way, Taylor Swift was playing

1284
01:48:14.359 --> 01:48:17.840
a guitar at eight or nine,
I mean, her dad apparently helped her,

1285
01:48:17.960 --> 01:48:21.640
and then you had you have all
kinds of parents behind these people too.

1286
01:48:21.840 --> 01:48:26.479
But yet those parents themselves, well
a lot of them have been like

1287
01:48:26.640 --> 01:48:30.000
Archie Manning, of course, you
know he has two quarterback sons. But

1288
01:48:30.000 --> 01:48:34.159
but not all parents were great.
They just made they made great kids somehow.

1289
01:48:34.279 --> 01:48:41.920
But anyway, so so it's kind
of fun to look for the positive

1290
01:48:41.960 --> 01:48:45.239
and and and all of the attributes
that people have. Uh. It's also

1291
01:48:45.680 --> 01:48:53.239
uh, it's also of course on
the inverse, look at the Oh my

1292
01:48:53.319 --> 01:48:57.920
god, look at the monsters,
the human the humans have created. I

1293
01:48:57.960 --> 01:49:00.800
mean, look at the I mean
Hitler of course, the mind first,

1294
01:49:00.840 --> 01:49:04.000
right, it's it's amazing. Anyway, Diane, excuse me, Diane,

1295
01:49:04.079 --> 01:49:09.159
welcome to the show. What's going
on? This is a follow up from

1296
01:49:09.279 --> 01:49:15.000
yesterday? Yeah, what was this
about, Diane? Was this wasn't about

1297
01:49:15.000 --> 01:49:20.960
your retirement, wasn't? Yeah?
Or the red Oh my god, I'm

1298
01:49:21.039 --> 01:49:26.520
so sorry for you. This real
estate investment thing. She has sixteen or

1299
01:49:26.560 --> 01:49:30.159
fifteen grand tied up there and can't
get it out because she has to sell

1300
01:49:30.199 --> 01:49:32.560
shares. There's no market for the
shares. Did we send you to someone

1301
01:49:32.600 --> 01:49:39.720
to look at that? Joe?
Joe helped me Joe Cano, Joe Canno,

1302
01:49:39.840 --> 01:49:44.520
certified planner. What did he do
for you? Well, he helped

1303
01:49:44.520 --> 01:49:49.159
me. We called the broker and
we just he just educated me on the

1304
01:49:49.199 --> 01:49:53.520
whole thing. And okay, what
did you find out? Tell me what

1305
01:49:53.640 --> 01:50:00.359
Joe did and what you found out? Pretty much it's a jump junk.

1306
01:50:00.039 --> 01:50:04.520
I ra and uh oh really so
you can't get any money out of it.

1307
01:50:06.239 --> 01:50:11.279
The only thing I can do is, uh, I guess it's required

1308
01:50:11.319 --> 01:50:16.079
by the I R S too that
they have to take out a certain amount

1309
01:50:17.199 --> 01:50:23.800
each year. Yeah, it's it's
called a minimum required distribution. Yeah,

1310
01:50:23.960 --> 01:50:28.479
that's it. That's it. Now
are they going to take Are they going

1311
01:50:28.560 --> 01:50:33.439
to disperse some of that money to
you? Well, you have first have

1312
01:50:33.680 --> 01:50:39.720
to apply for it. Yes,
they have to. Now here's what I

1313
01:50:39.760 --> 01:50:49.000
want to ask you. Did this
guy try double talking Joe? You'd have

1314
01:50:49.079 --> 01:50:53.399
to he You'd have to talk to
Joe. I think I want to talk

1315
01:50:53.439 --> 01:50:56.119
to Jock. In fact, let's
get Joe on. I want to find

1316
01:50:56.119 --> 01:51:00.960
out what happens. Okay, Joe
Piano, what did you do for her?

1317
01:51:00.000 --> 01:51:03.079
You called up the broker to find
out what this was? This?

1318
01:51:03.560 --> 01:51:08.600
Let me ask you your your candid
opinion Joe, was this a flim flam

1319
01:51:08.640 --> 01:51:12.880
getting her into this? Yeah?
You know, I believe that one hundred

1320
01:51:12.920 --> 01:51:16.119
percent. You know, you know
why Joe, because you know as well

1321
01:51:16.119 --> 01:51:25.800
as I do. As far as
requirements of an invest of an investment advisor,

1322
01:51:26.359 --> 01:51:31.920
you have things called fiduciary responsibilities.
You also have to be knowledgeable of

1323
01:51:32.039 --> 01:51:36.279
risk tolerances. You have to be
knowledgeable of the products you're putting people into.

1324
01:51:36.760 --> 01:51:43.119
And there's something else show that can
get an investment advisor in big trouble,

1325
01:51:43.199 --> 01:51:47.239
and that is called suitability. Right, that is right? How would

1326
01:51:47.279 --> 01:51:51.680
you explain suitability to our listeners?
Well, you know, we take that

1327
01:51:51.840 --> 01:51:56.840
very seriously, Tom, because you
know, we match the product to the

1328
01:51:56.920 --> 01:52:00.760
consumer. You know, we we
talked to the consumer and that when are

1329
01:52:00.760 --> 01:52:03.319
they going to need the money?
Are they going to need the money immediately?

1330
01:52:04.279 --> 01:52:10.279
Then we know that a long term
annuity or an IRA long term may

1331
01:52:10.319 --> 01:52:13.920
not be suitable for them. If
they can say, well, you know

1332
01:52:13.960 --> 01:52:17.600
what, I have enough money to
survive for maybe ten or fifteen years,

1333
01:52:18.079 --> 01:52:23.479
then and IRA with the potential for
growth that will give them an income for

1334
01:52:23.640 --> 01:52:28.760
life, it would be a very
suitable product. And also the risk tolerance,

1335
01:52:29.319 --> 01:52:30.680
you know, this poor lady,
Diana. I mean, it just

1336
01:52:30.720 --> 01:52:36.000
breaks my heart because he went to
a broker and then the broker left,

1337
01:52:36.199 --> 01:52:42.399
I guess he left the company and
another worker took the place he ques.

1338
01:52:42.520 --> 01:52:47.000
So Joe, Joe, for just
having this little amount of money, he

1339
01:52:47.159 --> 01:52:53.960
had no business putting her into a
red No, absolutely not, because see

1340
01:52:54.000 --> 01:52:59.319
that read is frozen. Like I
mentioned to you through my emails to you

1341
01:52:59.520 --> 01:53:03.920
yesterday. You know, when the
red it's a public offering. The company's

1342
01:53:03.920 --> 01:53:09.720
going to redeem the shares at a
discount rate, So the consumer will take

1343
01:53:09.760 --> 01:53:13.199
a loss anyway if they do that. But when we can she get any

1344
01:53:13.239 --> 01:53:16.479
money out of this at all?
Nothing? Nothing, nothing, nothing.

1345
01:53:16.640 --> 01:53:19.680
The only way that she can get
the money out would be if the company

1346
01:53:19.720 --> 01:53:24.600
goes out of business and they have
to sell out the property that they invested

1347
01:53:24.680 --> 01:53:29.640
on, then they'll get whatever they
get. It's a bad, bad situation

1348
01:53:30.199 --> 01:53:34.600
for Diane, I mean really totally
bad. And the broker that sold it

1349
01:53:34.640 --> 01:53:39.319
to her was not be enough fiduciary. I can't tell you that right now.

1350
01:53:39.680 --> 01:53:44.479
She didn't care about what her needs
were. Tom and Joe. There's

1351
01:53:44.640 --> 01:53:48.039
no way to get any money at
all out of it. No, not

1352
01:53:48.119 --> 01:53:51.520
at all. The only way would
be, like I said, I mean,

1353
01:53:51.560 --> 01:53:59.000
if they sell out the company and
the red dissolves, then they have

1354
01:53:59.079 --> 01:54:05.159
to you know, pay out whatever
they have available to each of the investors

1355
01:54:05.159 --> 01:54:09.880
on the rate. So they're not
going to take the fall amount. They're

1356
01:54:09.920 --> 01:54:15.760
going to lose money. And you
know, I should mention something since you're

1357
01:54:15.760 --> 01:54:21.760
already there. What when you teach
other advisors? What courses do you teach?

1358
01:54:23.920 --> 01:54:27.479
We teach. We teach about one
hundred and ten courses a year,

1359
01:54:28.079 --> 01:54:30.880
and they deal. What kind do
you do you teach? Like, okay,

1360
01:54:30.199 --> 01:54:34.159
Joe, do you teach for the
different series of licenses or just one

1361
01:54:34.359 --> 01:54:40.600
or how many? Now? We
teach actually for the life, accident and

1362
01:54:40.680 --> 01:54:46.760
health and also annuities, long term
care. We teach ethics, which is

1363
01:54:46.800 --> 01:54:54.199
really important, and we teach suitability
to the people holding licenses to sell those

1364
01:54:54.239 --> 01:54:58.800
products. Okay, Okay, that's
what we teach. So we're pretty well

1365
01:54:58.880 --> 01:55:01.319
right Well, Diane, I'm I'm
really sorry that this happened to you.

1366
01:55:01.399 --> 01:55:08.880
This this is like it's down the
drain. Do you recall what your original

1367
01:55:08.920 --> 01:55:12.640
investment was, Diane, you're the
actual money out of pocket? Think?

1368
01:55:12.720 --> 01:55:17.479
Yeah, I really can. Yeah, I guess. I mean, like

1369
01:55:17.520 --> 01:55:23.640
I said, the original broker,
he quit on me in them. Yeah,

1370
01:55:23.640 --> 01:55:26.840
but what I mean is I don't
think it's as bad. Well,

1371
01:55:26.840 --> 01:55:30.359
here's what I mean. If we
have to pick a bright spot. You

1372
01:55:30.960 --> 01:55:35.800
have what they say is a sixteen
thousand dollars value. But I don't think

1373
01:55:35.920 --> 01:55:41.000
that's what you invested. I think
they're giving it a fake number. But

1374
01:55:41.279 --> 01:55:45.359
Joe, do you think she invested
that much to begin with? Yeah,

1375
01:55:45.399 --> 01:55:47.880
I don't think she's made that much
money. Tom, No, she didn't

1376
01:55:47.880 --> 01:55:53.319
make anything. But what do you
could you? Could you figure out what

1377
01:55:53.359 --> 01:55:58.720
she invested originally? I think it. I don't think she invested near that

1378
01:55:58.880 --> 01:56:04.359
much. Uh, but no,
I think she did. You know that

1379
01:56:04.359 --> 01:56:10.279
that has not grown, It hasn't
been dispersed, nothing has been dispersed basically,

1380
01:56:10.800 --> 01:56:14.800
So that means I don't think she
has made any money at all.

1381
01:56:15.439 --> 01:56:17.680
Yeah, we have to take this
break three oh three seven one three talks

1382
01:56:17.680 --> 01:56:27.319
seven one three eight two five five
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1383
01:56:27.479 --> 01:56:33.640
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1384
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1386
01:56:43.800 --> 01:56:46.560
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1387
01:56:46.560 --> 01:56:51.000
Frank durand the real estate man dot
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1388
01:56:51.239 --> 01:57:02.279
three oh three nine two zero sixteen
twenty two. All right, three oh

1389
01:57:02.319 --> 01:57:08.520
three seven one three talk three oh
three seven one three eight two five five.

1390
01:57:09.880 --> 01:57:15.399
It's co ni segu is. It
does that sound right? Seg sounds

1391
01:57:15.479 --> 01:57:18.399
like the English words segu. Okay, here's what I'm talking about. Guys,

1392
01:57:18.680 --> 01:57:23.800
I found a car. I don't
want it. It's a twenty twenty

1393
01:57:25.079 --> 01:57:32.199
Conig co nin con I segu conin
anyway, it's a twenty twenty. I

1394
01:57:32.239 --> 01:57:40.239
would call it coen Well, it's
Conig. It's c K O E N

1395
01:57:41.159 --> 01:57:46.359
I G S E G g rigera
CMP mark. It's a twenty twenty.

1396
01:57:46.520 --> 01:57:51.000
It's on sale right now if you
hurry. It's got fourteen hundred miles for

1397
01:57:51.199 --> 01:57:57.720
three point seven million, three million, seven hundred ninety five thousand. Now

1398
01:57:57.880 --> 01:58:03.359
the wheels on it. They have
wheels on it which are fifty seven thousand

1399
01:58:03.399 --> 01:58:09.760
dollars. So see you get that
the paint job is a one hundred and

1400
01:58:09.800 --> 01:58:12.680
seventy thousand dollars paint shop. I
don't care what you say. There's not

1401
01:58:12.720 --> 01:58:16.239
a car in a world where at
that. So anyway, it's for sale

1402
01:58:16.520 --> 01:58:21.359
in Vegas right now if you want
it. So that's my Valentine's gift.

1403
01:58:24.000 --> 01:58:30.199
So let's talk about your problems,
questions and complaints. I said, I

1404
01:58:30.239 --> 01:58:32.279
was going to tell you about a
farmer's wife, And here it is.

1405
01:58:34.720 --> 01:58:41.760
On a weekend, the farmer's wife
discovered a gambling site, a real gambling

1406
01:58:41.800 --> 01:58:46.920
site. She went on and started
playing blackjack and then poker, and she

1407
01:58:47.000 --> 01:58:57.479
started making some ACH's from her account
to a gambling site, offshore gambling site.

1408
01:58:58.680 --> 01:59:04.439
Now he had to make some payments
come Monday and get ready to bring

1409
01:59:04.439 --> 01:59:08.199
his crop to market. And I
guess you have to make a lot of

1410
01:59:08.239 --> 01:59:12.479
payments upfront on stuff and whatever.
He didn't have any money. He says,

1411
01:59:12.479 --> 01:59:15.479
honey, there's something wrong. There's
no money in the account. She

1412
01:59:15.680 --> 01:59:21.399
thought she was going to make enough
money. She didn't. In fact,

1413
01:59:24.840 --> 01:59:30.800
they lost so much money they lost
the farm in one weekend gambling one weekend.

1414
01:59:31.399 --> 01:59:36.560
His wife did it online, gambling
online, couldn't go bankrupt. The

1415
01:59:36.560 --> 01:59:44.680
money's already gone, so you can't
stop it, and you can't claim fraud

1416
01:59:45.600 --> 01:59:50.079
because they have her online. And
guess what else, they actually have your

1417
01:59:50.119 --> 01:59:56.159
camera activated with you gambling, so
you can't say it wasn't you. God.

1418
01:59:56.960 --> 01:59:59.319
Now this is a few years ago, by the way. Well,

1419
01:59:59.720 --> 02:00:04.680
they since made some changes on gambling
sites. But this woman lost everything they've

1420
02:00:04.720 --> 02:00:12.319
ever had and their entire farm and
home. Think you about that? Yep,

1421
02:00:13.600 --> 02:00:16.680
Jeremy, that that's what I'm telling
you. You can gambling sites are

1422
02:00:16.840 --> 02:00:20.720
very dangerous, Jeremy. What's going
on? All right? Tom? All

1423
02:00:20.840 --> 02:00:25.159
right, so let me try to
make this easy. So I have a

1424
02:00:25.199 --> 02:00:30.560
roommate that I've had there for about
two years. He lost his job,

1425
02:00:30.640 --> 02:00:33.000
went to jail. I already knew
that he was not going to be able

1426
02:00:33.000 --> 02:00:38.039
to pay. I've confronted him and
asked him if he's going to tell me

1427
02:00:38.600 --> 02:00:41.640
YadA yah. Long story short,
he's not going to be able to pay.

1428
02:00:42.399 --> 02:00:45.159
He's well, what is he?
Oh, you didn't tell me what

1429
02:00:45.199 --> 02:00:48.319
he owes? So he owes about
five hundred and sixty dollars. It's nine

1430
02:00:48.399 --> 02:00:53.479
hundred dollars a month that includes internet, water, trash play. The paper,

1431
02:00:53.520 --> 02:00:56.319
food, all sorts of Wait,
wait, but he only owes you

1432
02:00:56.439 --> 02:01:02.039
five hundred. Yeah, correct,
because he's only been there for sixteen days,

1433
02:01:02.479 --> 02:01:08.720
he'll so he's he's moving out supposedly
this Friday, so that'll be sixteen

1434
02:01:08.840 --> 02:01:15.319
days that he will have been there
without paying rent. Okay, that makes

1435
02:01:15.359 --> 02:01:19.319
sense, yep, okay, all
right. So my question to you is

1436
02:01:19.319 --> 02:01:27.079
is it worthwhile to go after him
to small claims court to get that if

1437
02:01:27.079 --> 02:01:30.119
there's no contract? It was all
when you said he went to jail.

1438
02:01:31.359 --> 02:01:35.119
Is he out of jail now?
Yes, he's out of jail now?

1439
02:01:36.680 --> 02:01:41.359
Is he out on bail? Is? Tell me what his situation is?

1440
02:01:41.800 --> 02:01:45.840
So he so he got a DUI
and he was driving on revacation and he

1441
02:01:45.960 --> 02:01:51.319
got a he got a speeding ticket
and they took his license again and he

1442
02:01:51.399 --> 02:01:56.640
had the deal was that he had
to go to jail because he was already

1443
02:01:56.640 --> 02:02:01.720
on probation for a prior to UI. So he had to do like I

1444
02:02:01.720 --> 02:02:05.319
don't know, I call it jail, but it really was just some place

1445
02:02:05.359 --> 02:02:11.720
in Wells County up in Greeley.
And so for a d for a dui,

1446
02:02:11.960 --> 02:02:15.439
right, for a dui? So
he's out now, and is he

1447
02:02:15.520 --> 02:02:18.600
working now. No, he's been
in my he's been in my basement for

1448
02:02:18.640 --> 02:02:21.760
the last sixteen days doing nothing.
Well, how are you going to get

1449
02:02:21.800 --> 02:02:27.880
him out? How are you going
to get him out? Well, that's

1450
02:02:27.920 --> 02:02:31.600
that's the deal. And I'm and
my problem is is that I'm believing him.

1451
02:02:31.640 --> 02:02:35.000
I'm having faith in him, which
I shouldn't. That he's going to

1452
02:02:35.119 --> 02:02:39.319
leave on Friday. That's the supposed
story, is that a friend of his

1453
02:02:39.520 --> 02:02:43.000
is coming for you. Well,
you better hope he does. You better

1454
02:02:43.079 --> 02:02:45.479
hope he does. And here's what
I would he look at. If you

1455
02:02:45.600 --> 02:02:51.880
get a judgment against him, it's
probably worth nothing, right, Okay,

1456
02:02:53.000 --> 02:02:56.279
I mean I don't know. I
mean you know, it's probably worth nothing

1457
02:02:56.279 --> 02:03:00.319
for the eviction process. Now,
I would be more concerned, see he

1458
02:03:00.399 --> 02:03:04.399
leaves voluntarily, because if you start
the eviction process, here's the problem.

1459
02:03:05.840 --> 02:03:11.319
If he's gonna think, oh,
I got more time. If he doesn't

1460
02:03:11.439 --> 02:03:16.359
leave Friday, do you have anything
in writing with him? Nothing? Okay,

1461
02:03:16.399 --> 02:03:20.199
there's a certain process you have to
follow when you don't have a written

1462
02:03:20.239 --> 02:03:24.800
lease. How long has he been
there? He's been there, he's been

1463
02:03:24.840 --> 02:03:28.640
there two years. You're gonna have
a little problem. It's not gonna be

1464
02:03:28.680 --> 02:03:30.560
as easy as you think to get
rid of him. But yes, what

1465
02:03:30.600 --> 02:03:34.800
you should do is start the eviction
process. But you should not serve him

1466
02:03:35.000 --> 02:03:41.600
or not do anything or post anything
unless he's still there after Friday. Okay,

1467
02:03:42.319 --> 02:03:45.079
but you got to do it the
right way. If he's been there

1468
02:03:45.079 --> 02:03:50.119
two years on a month to month, he has certain there are certain rights

1469
02:03:50.159 --> 02:03:59.600
that he has right. Are you
friendly with him? I was up until

1470
02:03:59.640 --> 02:04:02.039
this more I mean he was.
He was stealing food out of the kitchen

1471
02:04:02.079 --> 02:04:04.840
and my wife caught him, and
it was all kind of a big debat

1472
02:04:04.920 --> 02:04:09.760
for this party. We've been We've
been friendly for the most part. And

1473
02:04:10.199 --> 02:04:15.159
listen, if you feel if your
wife feels threatened at all or unsafe,

1474
02:04:15.239 --> 02:04:19.039
you can try to get a restraining
order, which would get him out immediately.

1475
02:04:19.119 --> 02:04:23.800
Then you could do the eviction again. You might want to talk to

1476
02:04:23.840 --> 02:04:31.159
an attorney. I'm Tom Martinez.
Got to take this break. Go with

1477
02:04:31.239 --> 02:04:35.439
a sure thing Denver's Best roofer Excel
roofing dot com. You don't pay a

1478
02:04:35.479 --> 02:04:44.439
cent until you're content. Time for
an insurance checkup, free no obligation comparison

1479
02:04:44.560 --> 02:04:48.479
call Compass Insurance paying too much your
coverage at dozens of insurance companies. Find

1480
02:04:48.479 --> 02:04:51.800
out now three all three seven seven
to one help. You'll think you're his

1481
02:04:51.920 --> 02:04:56.920
only customer when you choose Frank durand
the real estate man dot com to list

1482
02:04:56.960 --> 02:05:00.359
your home with Remax Alliance three all
three nine two zero sixteen twenty two.

1483
02:05:06.640 --> 02:05:12.319
Hi Tom Martine here three all three
seven to one three talk seven one three

1484
02:05:12.439 --> 02:05:15.199
eight two five five pro bit energies
with us, Marcus with us. Let

1485
02:05:15.199 --> 02:05:21.880
me switch over to my wide cam
here. And so you've dropped prices recently,

1486
02:05:23.960 --> 02:05:28.479
so why the tariffs have been pulled
off the solar panels? So it's

1487
02:05:28.479 --> 02:05:31.000
amazing. So what does that mean? There were tariffs on shipments of solar

1488
02:05:31.039 --> 02:05:36.039
panels for quite a while and those
have been where are they made? All

1489
02:05:36.079 --> 02:05:44.479
over? I mean China, Taiwan, here, Canada, Texas, pretty

1490
02:05:44.520 --> 02:05:49.079
much everyone. So there were tariffs
and for overseas shipmentship so they were removed,

1491
02:05:49.239 --> 02:05:54.479
YEP. Is that to encourage more
people to get systems or what I

1492
02:05:54.479 --> 02:05:58.760
think? So? I think it
all probably ties into the Inflation Cares Act

1493
02:05:59.239 --> 02:06:02.479
to you know, sentivize people to
go solar with that thirty percent federal tax

1494
02:06:02.560 --> 02:06:05.760
credit. That helps a ton.
Now I want to mention something else.

1495
02:06:08.680 --> 02:06:15.279
Nonprofits that don't pay tax. Tax
credits did them no good. But they've

1496
02:06:15.279 --> 02:06:19.800
owned big buildings, churches, things
like that, And now is this new,

1497
02:06:20.279 --> 02:06:25.680
this direct payment. Now it's a
great opportunity for nonprofits. So what

1498
02:06:25.720 --> 02:06:29.359
they're saying is this, even though
you can't get a tax credit because you

1499
02:06:29.359 --> 02:06:32.399
have no taxes that you pay,
we're still going to help you thirty percent

1500
02:06:32.479 --> 02:06:36.359
of the total cost of the solar
pad. There's still they're going to get

1501
02:06:36.399 --> 02:06:41.560
an actual refund of money they haven't
even paid. In correct, it's it's

1502
02:06:41.600 --> 02:06:45.800
a great opportunity for them to go
solar right now. Well, it's free

1503
02:06:45.840 --> 02:06:48.920
money, free money, I mean
it really. I mean, well,

1504
02:06:48.920 --> 02:06:51.600
it's not free to us, but
it's free to nonprofit. So if you're

1505
02:06:51.640 --> 02:06:58.840
a nonprofit, to encourage nonprofits to
do sustainable and renewable energy, they're telling

1506
02:06:58.880 --> 02:07:01.319
them, if you do a solar
system, even though you don't pay federal

1507
02:07:01.359 --> 02:07:05.800
tax, you will get thirty percent
of the system costs back in a rebate.

1508
02:07:06.039 --> 02:07:10.840
Correct, it's a great opportunity for
him to do this. So up

1509
02:07:10.880 --> 02:07:15.600
till now that they've been doing have
they been selling their tax credits? A

1510
02:07:15.600 --> 02:07:18.600
lot of them had, Yes,
they do pay purchase agreements or release and

1511
02:07:18.720 --> 02:07:24.560
somebody buys that tax credit, so
it's tax credits. That's another thing.

1512
02:07:24.640 --> 02:07:30.279
People who can't use tax credits,
even people in lower income or middle income,

1513
02:07:30.960 --> 02:07:32.760
you can sell that tax credit.
You don't get one hundred percent for

1514
02:07:32.800 --> 02:07:34.880
it, but you can sell it. Correct. In fact, we are

1515
02:07:34.960 --> 02:07:39.960
a sun power dealer, so we
can do some lease systems and PPAs for

1516
02:07:40.399 --> 02:07:44.399
people that can't utilize that tax credit. They have lower incomes but still high

1517
02:07:44.560 --> 02:07:48.399
energy bills, but then they can
still get some of the benefit of a

1518
02:07:48.439 --> 02:07:54.000
credit. Yes, through that RWER. So it does right, but it

1519
02:07:54.039 --> 02:07:57.000
doesn't turn out to be thirty percent. It might be a little less.

1520
02:07:57.159 --> 02:08:00.880
It could be, but it's pretty
attractive. We can usually do a PPA

1521
02:08:01.039 --> 02:08:03.039
for less than what they're And when
you say PPA, what does that mean?

1522
02:08:03.159 --> 02:08:07.399
Paid purchase agreement? It's a lease. So they lease it and then

1523
02:08:07.439 --> 02:08:11.119
someone else takes the credit, but
then they get the reduced costs correct.

1524
02:08:11.319 --> 02:08:13.600
Yeah, And so how does the
lease work? A monthly payment? Monthly

1525
02:08:13.640 --> 02:08:18.520
payment You factor that out with based
off of what their production needs are annually

1526
02:08:20.079 --> 02:08:24.920
and build a system and that payment
stays fixed. It can grow one to

1527
02:08:26.000 --> 02:08:28.640
two percent a year. Or be
fixed. You pain on how the deal

1528
02:08:28.720 --> 02:08:31.479
is structured. And then at the
end of a least how long are leases

1529
02:08:31.600 --> 02:08:37.159
twenty five year lease? Nice thing
about those PPAs is you have no maintenance.

1530
02:08:37.760 --> 02:08:41.800
You're paying for the energy you produce. Really so so they have to

1531
02:08:41.880 --> 02:08:45.880
keep track of it and fix it. Yeah. Yeah, So you're covered

1532
02:08:46.119 --> 02:08:50.079
for twenty five years on a system
that will be operational and working, and

1533
02:08:50.119 --> 02:08:52.239
they send people out to make sure
it is. Absolutely That's that's how they

1534
02:08:52.279 --> 02:08:56.920
make money. Who is the biggest
one that finances these Well, I think

1535
02:08:56.159 --> 02:09:00.720
the one we're with right now is
sun Power. That's probably one of the

1536
02:09:00.800 --> 02:09:03.800
largest ones in the nation. That's
not Musk. Isn't Elon, No,

1537
02:09:03.159 --> 02:09:07.399
no, Musk is. He used
to have what was Solar City and that's

1538
02:09:07.439 --> 02:09:11.600
gone and that went into bankruptcy.
Musk bought them out and really just through

1539
02:09:11.640 --> 02:09:18.079
the label of Tesla on it.
So does Tesla Selar still exist? Yes?

1540
02:09:18.680 --> 02:09:22.000
Do they do least purchase agreement?
That's a great question. I don't

1541
02:09:22.039 --> 02:09:26.239
think they do them anymore. But
are they still selling systems? They're selling

1542
02:09:26.279 --> 02:09:33.800
systems, yeah, okay, So
are the components for let's say a Tesla

1543
02:09:33.960 --> 02:09:37.439
the same as most components in most
systems, are they all basically this?

1544
02:09:37.479 --> 02:09:41.079
They're pretty much the same. Tesla
has their own battery, branded battery,

1545
02:09:41.239 --> 02:09:45.680
They have their own solar panels,
but they're all made at the same places,

1546
02:09:46.000 --> 02:09:50.600
so it's just a branding thing.
Okay. And when it comes to

1547
02:09:52.039 --> 02:09:54.920
the solar system in general, is
there a lot of maintenance need? I've

1548
02:09:54.960 --> 02:09:58.960
never asked this before, but no, what kind of maintenance would be needed?

1549
02:10:00.000 --> 02:10:01.920
Something? Really? Just track your
system. You might have an inverter

1550
02:10:03.039 --> 02:10:05.680
go out, you might have a
bad panel, but that's about it,

1551
02:10:05.760 --> 02:10:07.479
all right. We don't want you
up to washing them off either. All

1552
02:10:07.600 --> 02:10:11.880
Right, we got more coming up. I'm Tom Martino. Go with a

1553
02:10:11.920 --> 02:10:16.279
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

1554
02:10:16.479 --> 02:10:24.239
until you're content. Time for an
insurance check up free, no obligation.

1555
02:10:24.279 --> 02:10:28.239
In comparison, call Compass insurance paying
too much your coverage at dozens of insurance

1556
02:10:28.239 --> 02:10:31.760
companies find out now three all three
seven to seven to one help. You'll

1557
02:10:31.800 --> 02:10:35.600
think you're his only customer when you
choose Frank durand the real estate Man dot

1558
02:10:35.640 --> 02:10:41.359
com to list your home with Remax
Alliance three oh three nine two zero sixteen

1559
02:10:41.439 --> 02:10:50.439
twenty two. Hi Tom Martino,
your troubleshooter three O three seven on three

1560
02:10:50.520 --> 02:10:58.920
Talk seven one three eight two five
five. Well, we are wrapping up

1561
02:10:58.960 --> 02:11:01.920
a show, but it's an important
to talk about a few things, and

1562
02:11:01.960 --> 02:11:05.399
that is we have pro Bid Energy
if you want to reach them when they're

1563
02:11:05.439 --> 02:11:13.239
not here three zero three six two
three fifteen thirty one and one of their

1564
02:11:13.359 --> 02:11:18.319
systems twenty one thousand with battery backup
after rebates. That's a pretty good deal.

1565
02:11:20.039 --> 02:11:24.760
Can power most homes and that's pro
Bid Energy goot dot com through OH

1566
02:11:24.760 --> 02:11:30.560
three six two three fifteen thirty one. Earlier in the show, we talked

1567
02:11:30.560 --> 02:11:35.680
about a woman that was missing.
Her body was found last night and or

1568
02:11:35.920 --> 02:11:43.319
were Sunday and uh Sabrina Geller and
she's was in the ROTC National Guard.

1569
02:11:43.840 --> 02:11:48.560
I'm getting quite a few texts about
that. She apparently left with a fellow

1570
02:11:48.600 --> 02:11:54.520
guardsman, a guy, and there
has been an investigation open up. No

1571
02:11:54.520 --> 02:11:58.199
one's saying he's doing anything or should
be doing anything or they should you know

1572
02:11:58.279 --> 02:12:03.279
that that that we're not suggesting he
did anything, but a video was seen

1573
02:12:03.359 --> 02:12:09.279
of him leaving the bar with her, and people want to know the latest.

1574
02:12:09.399 --> 02:12:11.039
I don't know the latest, but
we'll keep you informed. Also,

1575
02:12:13.119 --> 02:12:16.760
we found out something very interesting.
When you have an auto insurance claim and

1576
02:12:16.800 --> 02:12:20.720
your car is totaled and they have
to pay off the loan, you have

1577
02:12:20.800 --> 02:12:26.800
to be sure that that loan does
not go into default or even though your

1578
02:12:26.800 --> 02:12:33.960
insurance pays it could end up screwing
up your credit. All right, don't

1579
02:12:33.000 --> 02:12:37.680
forget to call twenty four to seven
three oho three Martino for help, information

1580
02:12:37.760 --> 02:12:43.159
and referrals three oh three six two
seven eight four sixty six. And of

1581
02:12:43.199 --> 02:12:48.000
course you can always go to referrals
dot com for information and referrals and save

1582
02:12:48.079 --> 02:12:48.479
all your problems for me