WEBVTT

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Yeah, ripped off bad news.
You need advice, so you don't have

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come running. Just as fast as
we can show Shooter's gonna help come.

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This is the Troubleshooter Show Now Tom
Martino, I'm Tom Martino. Welcome to

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the show. We got a lot
to talk about, including getting ready for

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the heat the cooling season with AC. We'll have a guest on from Fix

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at twenty four seven. We'll also
talk about your problems, questions and complaints.

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So I urge you to get a
call in and I'm going to get

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through calls quickly and try to help
you. We have Lee with a vehicle

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purchase. We have all kinds of
stuff to talk about today, so I

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urge you to call. Welcome to
the show. And I see that Deputy

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Doc and Deputy Chopper in the studio. We got Sue's at the controls.

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Becus Kachina is is onflad Miss Tom. She is like she's crazy about that.

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She's not normal when that comes to
that. Yeah, I mean you

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know, and then where's Mark you
pooh? We're getting the video going,

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getting video going, and so we
have everything ready to go to solve problems

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for people, as we've been doing
God for forty five years in Denver.

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Here's what we're talking about. If
somebody lies you, cheated you, ripped

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you off, if somebody's pissing you
off, if you need help, give

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us a call. If your computer
got locked up by some scammers and you

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don't know what to do, don't
go firebomb the building and kill everybody involved.

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By the way, I'm referencing a
movie a guy told me to watch

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yesterday about a guy that got so
sick of this consumer scam. Oh my

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god, did he take revenge?
You know, often on this show we'll

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get a call from a little lady
who lost everything. I'm serious, now,

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I shouldn't make for the light of
that, and I do. I

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want to go and I want to
grab these guys. I don't want to

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kill him in firebomb them except in
my dreams. But what I really want

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to just get them, throw them
in jail. And then in the middle

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of the movie, what did I
do? I texted sus and Mark as

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I say, you got Mark watched
it last night. I fell asleep because

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I got to hear what he thinks. It's called guys. You gotta see.

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First of all, I love statum, I love him. He's a

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great He's a nasty looking guy and
good looking and I'm telling you, I

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just love so. I don't know
if I'm talking about movies, but this

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is a movie about let's say,
the Troubleshooter on steroids and anyway, it's

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called The bee Keeper. Jason Statum, I believe his name is. I

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think he's cool. I just think
he's cool. And you might argue he's

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not a great actor, but in
any case, I digress. He takes

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revenge and often on this show.
Oh god, I feel like that I'm

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gonna pull something. It was a
great movie. Man. Oh Mark,

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were you saying, who was it
bassed off of? You know, what's

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that? Who do you think it
was based off of? I want to

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see if we're on the same page, what do you let's see what do

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you mean based off of? Well, it was a president and it was

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their cocaine fueled son. Yeah,
oh I know, I know, I

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know. But the president was decent. She didn't know what was going on,

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but but yeah, she was out
of it. I agree. So,

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once again, who was it based
off of? I don't know,

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And Mark, I know what you're
talking about. But the but here's what

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they did. They took this computer
lock up scam, you know, like

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your computer's locked up, call this
number immediately they get access mark. We

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have actually handled those dozens of those
problems pops up on Microsoft. And we

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know this. We know what can
happen to people. We know it.

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We've seen people lose thousands. We
had a little lady that lost thousands this

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year. I just I love the
fact it is portraying the bidens. That's

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it. That's what I loved about
it. But you, but what about

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the show and the consumer stuff?
Did you like it that? No,

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I'm telling you, I love the
whole movie. It's so corrupt. It

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shows you how corrupt our government is. It's great. Well, yeah,

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but I took away that scammers are
scammers and these guys they had working for

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him on the one. Don't you
wish sometimes just because what we do for

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a living, don't you have dreams
of grabbing scumbags that have taken every penny

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from an old woman or an old
guy. And okay, and I'm going

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to say it, waken she Stephanie, what's woke me up? I'm yelling

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because I'm like kicking somebody's ass.
I'm serious, man, I'm like,

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I'm like, I'm sorry, let
me get that white shot here. We

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have Hannah with us from Fix at
twenty four. You can chime in,

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Hannah. But but but I honest
to god, Mark, I am like

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in my dreams, I find him
and the guy comes after me, you

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know what, and I defend myself. And obviously, oh man, you

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make it. You're making it sound
too easy. Yeah, you mean you

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run into him and you throw them
off a building. That's what you're trying

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to say. But you're saying it
in a very nice way. No.

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Well, it depends on the severity. But I do have I have some

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violent dreams, man like people.
I just get so upset with people ripping

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people off. Mark, it was
a great recently recently that one woman what

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was it twelve thousand? No,
No, it was more than that.

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It was I gotta look at my
call screener. I mean it was just

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recently. And how many times have
we wanted to do something with discumbags.

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We've even gotten them on the phone
where they will brag about what they do.

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They brag about it. Now YouTube
is filled with people who have taken

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revenge on scammers. By the way, there it is now the other movie

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that touched home for us? Hey, what real quick? You just mentioned

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something. I'm going to try to
reach out and get this guy. I'm

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gonna have Kelly start bird dogging him
to get on. But he's a guy

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that goes after squatters. He helps
people that basically have squatters in their house

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and they won't leave and the police
won't do anything. I have no idea

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how he gets them out, but
I'd love to get him on the show.

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There was another movie, another movie
that was made with about public trustees.

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Do you remember that one? I
do? I do remember that,

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And they were all in cahoots and
they basically stole everybody's money, old people's

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money, right, and then somebody
came here. It was people that were

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like in nursing homes. That's right, that's right, And they would say

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they were crazy and they would take
all their money. Yes. And you

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know who was really good in that
movie we were talking about yesterday. I

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noticed her right away. I call
her missus Huxtable. It was the woman

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from the Rashod God. Is she
a good actress? Yeah? Okay?

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Man? So anyway, you got
to see the movie Beekeeper. It's streaming

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right now, I want to talk
to Lee about his problem. They are

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right, But I also want to
tell you about waterpros dot net the best

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water system's lowest prices like purified wonderful
water and got it. I got triple

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filter reverse osmosis at the kitchen,
sing fourteen hundred dollars. Anyway, let's

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go, and there are three oh
three eight six two five five five four?

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Lee? What's going on with your
vehicle purchase? Do we have to

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go blow people up? I'm just
kidding, folks. I'm not violent.

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I don't want violence only in my
mind. Everybody thinks about that now and

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then okay, Lee, what and
I don't mean thinking about I got a

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video. I got a video of
you in studio with mister Bentley sitting across

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from you, and you stood up
and threatened to kick his ass. Yeah

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he do you remember how he ripped
off that woman. It was the most

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outrageous, in your face rip off
I have ever in touned handicap rant,

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mark walk in tub or walk in. That's I knew it was something to

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do with disability. Okay, and
we'll talk about that, But like,

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what's going on with you? Lee, what's happening? Hey? What's going

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on? Hey? Tom? Are
you doing this morning? Hey? Bought

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us happening from Jim Norton Chevy in
Broken Arrow, Oklahoma? Brought it Okay,

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so this is where you bought it
and broke a broken Arrow, Oklahoma.

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That's correct. Was it new?
No, it was a used vehicle.

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So what'd you buy? Twenty twenty
two Ford F three fifty. Oh

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that's pretty new diesel? So new
to us? Is it a diesel?

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Yes? Okay, what's the problem? And brought it back, did my

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then verification and emissions test and it
failed emissions because it was deleted. So

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the dealer sold a deleted emissions vehicle. Well, hold on, I'm not

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sure what you mean by First of
all, is they don't I don't believe

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in Oklahoma did they? They have
an air program when you sell across state

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lines, they don't have to make
it pass I don't think. I don't

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think it has anything to do.
If they're selling outside of their area,

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they have no obligation to make sure
it passes out. But it has to

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pass federal law, and that federal
law has certain things. And I think

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what he's saying is I don't know
if they bypassed like an O two censor

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for example. Okay, we're gonna
break this down. I want to know

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first. It was a twenty twenty
two f three point fifty diesel on the

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name of the dealer again, Jim
Norton's Chevrolet. Okay, now you're are

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you claiming you bought this and now
you can't get emissions on it because it's

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deleted? What does delete it mean? It means they pulled a part off

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of the vehicle that had to do
with the emission system from the manufacturer.

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That's correct, several parts they've someone
removed. I don't know who removed it.

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But but you bought it as is? Did you? Did they make

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a note of it anywhere? No? I see, But I'm not there.

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I have to. I just know
about this stuff because I was in

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this business forever. You're not allowed
to do it. It doesn't matter what

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state. You're not allowed to remove
a missionp What if? Hold on,

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but what if they I'm just playing
here. What if they removed they took

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this in trade or something and they
just sold it as is and they are

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not the ones that removed it.
I would My understanding is they need to

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repair it or undo the deal.
Well they want to do Okay, hold

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on, Mark, you're talking.
Hold on, We really have to be

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careful here. Are we talking federal
law now, Mark, because you don't

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know Oklahoma law. So you're saying, by federal law they have to they

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have to fix it. That's right. By federal law you cannot remove.

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When we take a break here,
and I'm not doubting, I'm asking if

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you could find a citation on that. If you can, we can then

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go back to that dealer and start
pressuring them. Plus, I know Lee

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has a lot more to tell us, So hang on, Lee, I'm

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Tom Martino three oh three seven one
three talk three oh three seven one three

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zero sixteen twenty two. Hi Tom
Martino here three oh three seven to one

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three talks seven one three eight two
five five. All right, So according

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to the law, they cannot They
cannot tamper. No one can tamper with

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emissions control devices and vehicles. It
is very serious offense, and even private

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individuals can't do it, and you
can't sell it, and you can't do

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anything. But the law falls short
of giving automatic recourse. So I can't

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see what I see is and I'm
only looking at the highlights that it gives

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you civil action to go after them, and you'll win. You'll win,

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But I don't see where they must
do this. However, they would be

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an idiot not to take the car
back or refund your money because with because

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they could lose their license. So
continue with your story. First, I

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want to make sure we're hearing the
story. So you buy a twenty twenty

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two used F one three point fifty
diesel from Jim Norton Chevrolet and broke in

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Arrow, Oklahoma emissions missing emissions parts. You can't get it registered. So

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how long ago did you buy it? About it March sixth and brought it

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into Colorado? Right, So where
do you stand right now? What did

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the dealer say they would do for
you? They know, they have to

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know this is a violation of federal
law. So I've asked them to bring

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the vehicle up to current standards and
sent them a estimate, and they sent

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me an email this morning that said, we're undoing the deal. We are

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coming to get our vehicle. Okay, Well, then then that's all they

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that's all they have to do.
Lee. You can't force them to fix

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it for you, but they have
to give you every penny back how much

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I would give, by the way
to bring it back up. Uh,

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it's a little shy of twenty thousand. Oh. I love this idiot on

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YouTube that said there's no way it's
twenty thousand, and I happen to hit

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that exact number. Todd. Hey, Lee, they're coming. Are they

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going to reimburse you any expenses?
Yeah, they said they would. They

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would reimburse everything, my expenses everything. You know. Here's the other thing,

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though, I released liability from my
other vehicle, so now I have

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to take my time and go back
and do everything that's undone. I've been

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paying insurance for it, you know, running around my time. Well,

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yeah, it's pain. It's a
pain in the ass. And that's why

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I asked, are they going to
give you any extra money? They said

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they would if I had receipts.
But how do you well, you go,

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you know, Lee, just estimate. I will say this, they

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shouldn't have sold it. I don't
know what they were thinking. I gotta

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00:14:58.080 --> 00:15:01.399
believe they didn't really know about it, because why would they put themselves through

205
00:15:01.399 --> 00:15:05.799
this. They know you can't get
it registered. Well, they probably didn't

206
00:15:05.840 --> 00:15:09.159
know he was going to or I'm
sorry, coming to Colorado where he'd have

207
00:15:09.200 --> 00:15:13.120
to go through emissions. I don't
know what they know where they were selling

208
00:15:13.120 --> 00:15:16.679
it where you lived. I made
no bones about it that it was coming

209
00:15:16.720 --> 00:15:20.879
back to the state of Colorado,
and the State of Colorado has an emissions

210
00:15:20.879 --> 00:15:26.559
program. But did you mention emissions? Yes, I did. I have

211
00:15:26.639 --> 00:15:31.600
to believe based on their reaction that
they didn't know about it, and that

212
00:15:33.120 --> 00:15:35.759
they probably figured, damn it,
we can do it cheaper. Let's get

213
00:15:35.759 --> 00:15:39.600
it fixed here, and let's just
undo the deal. You can't ask for

214
00:15:39.639 --> 00:15:43.000
more than that? Why so out
of curiosity? What were you calling about

215
00:15:45.320 --> 00:15:50.360
to see if to see if you
if if I could get a guidance on

216
00:15:50.480 --> 00:15:54.000
if if I chose to get the
vehicle fixed to go after him for well,

217
00:15:54.080 --> 00:15:58.600
I don't think you can. You
can't do that, Lee. In

218
00:15:58.679 --> 00:16:06.120
my opinion, this company's is they're
offering to take the car back and give

219
00:16:06.159 --> 00:16:10.360
you expenses. What are you gonna
say? You can't. You can't force

220
00:16:10.440 --> 00:16:15.879
specific performance on that car. I
mean, what you're saying is this,

221
00:16:15.279 --> 00:16:18.240
You're gonna refuse to undo the deal. You want to get it fixed,

222
00:16:18.320 --> 00:16:22.679
and you're gonna go after them for
the twenty grand First and foremost, you

223
00:16:22.759 --> 00:16:26.480
got to hire an attorney, and
that's gonna eat and that's gonna add to

224
00:16:26.519 --> 00:16:30.159
your twenty and even if you win, which will take you about fifteen or

225
00:16:30.240 --> 00:16:33.399
twenty I don't think you'll win,
but even if you do, you're gonna

226
00:16:33.399 --> 00:16:40.080
break even at best. Break you
thought you had more power. You can't

227
00:16:40.080 --> 00:16:45.279
simply get that truck fixed and say
now you pay me for it. What

228
00:16:45.320 --> 00:16:48.200
you might want to do is negotiate
something. Tell them, look, can

229
00:16:48.240 --> 00:16:52.279
you take it back and just fix
it if you can do it cheaper,

230
00:16:52.639 --> 00:16:56.600
and I'll still buy it. It's
probably a lot cheaper for them to do

231
00:16:56.679 --> 00:17:00.200
it in Oklahoma, anyhow, That's
what I'm saying. Yeah, yeah,

232
00:17:00.320 --> 00:17:04.160
and remember, Lee, they only
have to bring it back to federal standards.

233
00:17:04.160 --> 00:17:11.160
They don't have to make it pass
in Colorado, correct, But everything

234
00:17:11.279 --> 00:17:17.599
missing would be original manufacturers equipment,
right, which would make it pass in

235
00:17:17.640 --> 00:17:22.000
any state. Okay, Okay,
maybe not, though there are plenty of

236
00:17:22.039 --> 00:17:29.400
cars that pass that have federal equipment
and still need tweaking to pass the state.

237
00:17:29.960 --> 00:17:33.759
But Lee, here's the deal.
If you really love that truck,

238
00:17:33.039 --> 00:17:37.880
maybe they'll take it back and fix
it and still keep the deal alive.

239
00:17:37.319 --> 00:17:41.240
It'll save the money in the long
run because they don't have to pay you

240
00:17:41.279 --> 00:17:47.279
all those expenses. I don't know, what do you think. Well,

241
00:17:47.319 --> 00:17:48.440
if you don't ask, you don't
know an answer. To it right,

242
00:17:48.640 --> 00:17:56.279
So I would ask. I would
ask I think that I don't know.

243
00:17:56.359 --> 00:18:00.440
I think you're in the driver's seat, so to speak. So that's what

244
00:18:00.480 --> 00:18:06.359
I would do. I would go
after them and say, look, could

245
00:18:06.440 --> 00:18:08.799
you do this for me? But
I don't mean after them. I mean

246
00:18:08.839 --> 00:18:15.599
I would contact them. But I
have a feeling they probably I don't know

247
00:18:15.599 --> 00:18:18.160
why they wouldn't do it because they're
going to have to fix it and sell

248
00:18:18.160 --> 00:18:21.920
it anyway. Tell them that,
say, look, you're going to have

249
00:18:21.960 --> 00:18:25.960
to fix this and sell it anyway. I want the truck. I just

250
00:18:26.039 --> 00:18:30.000
need the emissions fixed. Did they
even offer that? I mean, how

251
00:18:30.000 --> 00:18:32.720
did it get to we're going to
come get the truck. Did you threaten

252
00:18:32.839 --> 00:18:34.519
them? What did you do?
Oh? No, nothing. They just

253
00:18:34.519 --> 00:18:38.640
communicated with them, saying, hey, you know I took it in it

254
00:18:38.720 --> 00:18:45.559
failed emissions. The shop that does
the emissions test for the state wrote a

255
00:18:45.640 --> 00:18:48.799
quote for me. I emailed them
the quote and they were like, no,

256
00:18:48.880 --> 00:18:52.480
way, did you nail them?
Well, it could be that that

257
00:18:52.599 --> 00:18:57.400
shop is exaggerating. What I want
to know is, well, they give

258
00:18:57.440 --> 00:19:03.079
you for another estimate that's weird.
Well no, no, as many estimates

259
00:19:03.079 --> 00:19:07.480
as they want. It could be
a lot more expensive here because we're California

260
00:19:07.599 --> 00:19:12.480
standards compared to Oklahoma when they're not. Just like we talk about Wyoming in

261
00:19:12.599 --> 00:19:17.519
Colorado. Okay, so let's put
it this way. Then if they fixed

262
00:19:17.559 --> 00:19:21.720
it for him, they don't have
to fix it to Colorado standards. They

263
00:19:21.759 --> 00:19:25.200
only have to fix it to federal
standards. Yeah, and it would pass

264
00:19:25.240 --> 00:19:30.039
here. There'd be no problems.
So Lee, when you got that estimate,

265
00:19:30.720 --> 00:19:40.000
was it to just replace the missing
equipment? It's to replace, Yes,

266
00:19:40.079 --> 00:19:42.279
what is missing? What is missing
on the vehicle. And it's an

267
00:19:42.319 --> 00:19:48.599
itemized list as to what is missing
on the vehicle. Okay, you know

268
00:19:48.680 --> 00:19:52.640
what I would do, man,
I would Does that include all the Is

269
00:19:52.640 --> 00:19:56.400
that all the equipment, the EGR
valed, the catalytic converter, all of

270
00:19:56.440 --> 00:20:00.599
the equipment? Is it all missing? Yes? God, they must have

271
00:20:00.680 --> 00:20:06.559
used this truck on a farm.
I mean, I don't know. You

272
00:20:06.599 --> 00:20:12.680
know, there's they're talking about the
catalyst, particular filters and reluctant pressure lines

273
00:20:12.720 --> 00:20:17.680
for the death system. All the
sensors are removed, the harnesses were just

274
00:20:17.799 --> 00:20:22.599
left open to the environment, so
they could you might have to change connectors,

275
00:20:22.359 --> 00:20:26.839
you know. So they wrote an
estimate for me. I presented it

276
00:20:26.880 --> 00:20:29.200
to them and they were like,
oh God, there's no way, that's

277
00:20:29.240 --> 00:20:33.160
too expensive. We're coming to get
the truck. I mean, there wasn't

278
00:20:33.160 --> 00:20:36.119
even any discussion. It's they're coming
to get the truck. That's what they

279
00:20:36.240 --> 00:20:37.960
told me. And it's like,
well, as far as I know,

280
00:20:38.359 --> 00:20:41.880
you know, I haven't I own
the truck. I mean, if they

281
00:20:41.920 --> 00:20:47.759
just come get it, Lie,
you don't have no lee, Lie,

282
00:20:47.960 --> 00:20:51.759
you don't have to let them come
get it. But I don't understand what

283
00:20:51.799 --> 00:20:55.880
you think you're going to accomplish.
You're not in a position of power here.

284
00:20:56.519 --> 00:21:02.440
If if a dealer is undoing the
deal, if you go through court,

285
00:21:02.599 --> 00:21:07.720
that's likely what a judge would order. Why do you believe that you

286
00:21:07.880 --> 00:21:11.759
have them buy the balls because you
don't. No, I don't believe that

287
00:21:11.799 --> 00:21:17.880
what I was looking for is just
some help and in wanting to get the

288
00:21:17.880 --> 00:21:21.400
truck repaired, that's all I wanted. Okay, Well, and here's what

289
00:21:21.480 --> 00:21:26.079
I suggest. You have two choices. You can get the truck and eat

290
00:21:26.119 --> 00:21:30.000
the cost and get it fixed,
or you can reason with them right now

291
00:21:30.039 --> 00:21:33.839
and call us back, call them
and say, look, when I told

292
00:21:33.880 --> 00:21:37.920
you it costs this much I'm only
going by what they told me. If

293
00:21:37.960 --> 00:21:42.880
you guys can replace the missing equipment, I'll gladly keep this deal alive.

294
00:21:44.240 --> 00:21:48.640
And then reason with him because you're
gonna have to sell it anyway. If

295
00:21:48.680 --> 00:21:52.720
they say something ridiculous like well,
if we have to put that money into

296
00:21:52.759 --> 00:21:56.799
it, we're going to sell it
for more than you would say to them.

297
00:21:56.160 --> 00:22:00.359
But then why did you price it
the way you did, because you

298
00:22:00.359 --> 00:22:06.279
know, because you you assumed it
had everything. I don't say you need

299
00:22:06.319 --> 00:22:07.680
to call them, Lee, we
can't do it for you, and then

300
00:22:07.799 --> 00:22:11.599
let us know what they say.
Three oh three, seven to one to

301
00:22:11.640 --> 00:22:14.680
three. Talk now, Mark,
quickly make a comment on this call,

302
00:22:14.920 --> 00:22:15.720
and then I got to take a
break. Go ahead, Mark, what

303
00:22:15.839 --> 00:22:21.480
is your comment now? I agree
with your Mark. Nailed it on the

304
00:22:21.519 --> 00:22:25.799
head. Mark nailed it on the
head. You could try Wyoming because that

305
00:22:26.160 --> 00:22:29.720
exhaust shouldn't be that. I mean, I'm looking at five to six thousand

306
00:22:29.720 --> 00:22:33.000
dollars three place, and I don't
know what he paid for the vehicle or

307
00:22:33.039 --> 00:22:37.160
what it's worth, and so I
mean it might be worth oring to do

308
00:22:37.240 --> 00:22:41.079
that. Another thing he could do. It's just licensed it out of North

309
00:22:41.160 --> 00:22:44.559
Dakota. You can do it right
over right online. They'll mail you the

310
00:22:44.839 --> 00:22:48.519
tags out of North Dakota. They
just run North Dakota's tags. You know,

311
00:22:48.640 --> 00:22:52.759
someone else told us that that that
people. You know what, I'm

312
00:22:52.799 --> 00:22:57.319
getting really confused about this North and
South Dakota thing. Who are letting people

313
00:22:57.440 --> 00:23:03.599
all over the country registered motor homes
and airplanes and cars? Are you sure?

314
00:23:03.799 --> 00:23:07.480
All? Are you? You're not
the one that called last time about

315
00:23:07.480 --> 00:23:12.759
this? Are you mark? How
you hung up? More coming up?

316
00:23:12.799 --> 00:23:15.119
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317
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325
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326
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to list your home with Remax Alliance three

327
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all three nine two zero sixteen twenty
two. Hi Tom Martina here three O

328
00:24:15.440 --> 00:24:18.319
three seven one, Hey Tom.
A lot of people are doing that,

329
00:24:18.759 --> 00:24:23.799
and who are expats that are going
to Mexico? Because once you have US

330
00:24:23.880 --> 00:24:29.319
plates on your vehicle or your RV
in Mexico, you never have to register

331
00:24:29.400 --> 00:24:33.119
it or get insurance if you don't
want to. But you what have you

332
00:24:33.160 --> 00:24:37.039
got just Mexican plates? What would
happen? Then you'd be registered and you

333
00:24:37.079 --> 00:24:41.119
might have to pay taxes or registration
fees. But if you have South Dakota

334
00:24:41.160 --> 00:24:45.119
plates, you don't have to worry
about it. So if you have South

335
00:24:45.160 --> 00:24:48.519
Dakota plates, you do have to
remove renew South Dakota every year. Well

336
00:24:48.680 --> 00:24:52.480
except if you're living in Mexico.
If you move to Mexico, it doesn't

337
00:24:52.519 --> 00:24:59.880
matter. So you're saying you just
let them expire. Yeah, and you

338
00:25:00.000 --> 00:25:03.000
you know people are doing this.
It was it was on something on YouTube.

339
00:25:03.400 --> 00:25:07.599
No fooling. But the point is
South Dakost is not going to come

340
00:25:07.640 --> 00:25:11.200
after you in Mexico, and Mexico's
not going to come after you for having

341
00:25:11.240 --> 00:25:15.759
expired US plates. So it's only
for expats. It's not for people who

342
00:25:15.799 --> 00:25:18.720
are going up for vacation. Okay, But here's what I want to know,

343
00:25:18.920 --> 00:25:23.240
because I've been getting last time we
took a call on this, and

344
00:25:23.279 --> 00:25:26.039
if anyone knows about this, call
us we're not going to rat down.

345
00:25:26.519 --> 00:25:33.559
People are saying they're sick and tired
of Colorado vehicle taxes and use taxes and

346
00:25:33.680 --> 00:25:40.559
on motor homes and trucks and expensive
vehicles instead of spending, by the way,

347
00:25:40.599 --> 00:25:42.759
with a motorhome, you can spend
fourteen eighteen thousand a year, I

348
00:25:42.759 --> 00:25:48.960
mean you can on a vehicle.
What are vehicles now? Five or six

349
00:25:48.079 --> 00:25:53.680
grand for an expensive new vehicle.
I mean, it's incredible what it costs.

350
00:25:55.119 --> 00:25:57.920
We are truly a mini California.
We really are. I mean,

351
00:25:57.960 --> 00:26:03.480
there's no doubt about it. This
state has gone completely one sided. Now

352
00:26:03.720 --> 00:26:08.119
for people, to save your stupid
comments when I say that that's not political,

353
00:26:08.160 --> 00:26:14.119
it's a fact. We are one
sided. And lopsided government is never

354
00:26:14.200 --> 00:26:19.559
good no matter what direction it's lopsided
in. And we have a lopsided government.

355
00:26:19.640 --> 00:26:23.480
That's what we have. But I
digress. Let's talk about that what

356
00:26:23.559 --> 00:26:29.920
people are doing. So people are, supposedly, I'm being told, registering

357
00:26:30.000 --> 00:26:36.240
their cars in North or South Dakota
and getting away from this all that.

358
00:26:36.400 --> 00:26:37.440
And somebody called and said, oh, yeah, I do it all the

359
00:26:37.519 --> 00:26:42.559
time, and South Dakota doesn't care. And I said, well, of

360
00:26:42.559 --> 00:26:45.400
course they would if they know it. He said, they do it by

361
00:26:45.440 --> 00:26:48.319
mail. They send me the plates, so they know you're living out of

362
00:26:48.359 --> 00:26:56.000
state and they still let you register
everything. Are you kidding me? I

363
00:26:56.079 --> 00:26:59.599
mean, you know, that's what
I want to know. Why would they

364
00:26:59.680 --> 00:27:06.319
do that if they know you're not
living there? And truly, like Montana,

365
00:27:06.359 --> 00:27:08.720
for example, people go because of
the I don't know, lack of

366
00:27:08.839 --> 00:27:18.680
tax and lower fees, but Montana
requires a presence in that state. So

367
00:27:18.720 --> 00:27:25.759
what some people do are they start
a company, a bogus company sometimes sometimes

368
00:27:25.839 --> 00:27:29.400
it's they're a real company, and
then they get a registered agent, a

369
00:27:29.440 --> 00:27:36.279
professional registered agent who is located in
Montana, or they have a drop box

370
00:27:36.319 --> 00:27:40.359
there or something, and then they
work with them and that becomes their address.

371
00:27:41.000 --> 00:27:48.200
It's all very complicated, but that's
what they do. So let's talk.

372
00:27:48.680 --> 00:27:52.480
Mark, you had said that you
do it through the mail, and

373
00:27:52.559 --> 00:27:56.920
I'm being told on on my uh
by the way to text the show it's

374
00:27:56.960 --> 00:28:00.240
five seven seven three nine. I
should say that more often than what you

375
00:28:00.279 --> 00:28:06.039
do is put your tom in there
and it'll come to me. But do

376
00:28:06.119 --> 00:28:11.480
you do this? Mark? Yes? I do it with my motorcycle.

377
00:28:11.559 --> 00:28:15.759
And I don't know how long have
you been doing it? Since forever?

378
00:28:15.920 --> 00:28:18.119
For a long time. I ain't
ca why do you? I just want

379
00:28:18.119 --> 00:28:22.319
a few questions, Mark? Why
do you do it there? Because we're

380
00:28:22.519 --> 00:28:26.599
Colorado's ripping us off? They want
three hundred and twenty five dollars to register

381
00:28:26.720 --> 00:28:30.799
my motorcycle every year, and I
get it registered out of North Dakota for

382
00:28:30.880 --> 00:28:36.960
twenty five dollars. Okay, Now
when you give the Colorado wood dress,

383
00:28:37.480 --> 00:28:41.799
is that they don't care about that
on your registration? Nope, it says

384
00:28:41.880 --> 00:28:49.599
right on my registration out of state. Oh so wow, there they know

385
00:28:49.759 --> 00:28:56.279
you don't live there and they're issuing
out of state plates. Yeah. Well,

386
00:28:56.440 --> 00:28:59.240
what was this I heard about?
I used to hear this all the

387
00:28:59.319 --> 00:29:03.880
time back in day when I'm on
TV on Channel four and Fox thirty one.

388
00:29:03.000 --> 00:29:07.640
Okay, we would have reporters move
here, right, and then they

389
00:29:07.680 --> 00:29:12.400
would say I got to change my
plates over. I only have a certain

390
00:29:12.440 --> 00:29:17.000
amount of time. I guess you
can get a ticket if you're in the

391
00:29:17.039 --> 00:29:19.200
state too long. Is that true? Mark? Do you ever get stopped?

392
00:29:21.640 --> 00:29:23.200
Yeah, I've got the ticket.
I just pay it and go on.

393
00:29:23.359 --> 00:29:27.680
It's still okay. What's the ticket
for? What's the ticket for?

394
00:29:29.519 --> 00:29:33.559
Well, it used to be.
I mean that was a long time ago

395
00:29:33.599 --> 00:29:38.119
when I got the ticket, but
it was for not changing over my plates.

396
00:29:38.400 --> 00:29:41.680
And how much was the ticket for? How much was the ticket?

397
00:29:42.400 --> 00:29:47.000
I think it was one hundred and
fifty bucks, so that so now you

398
00:29:47.039 --> 00:29:49.240
paid one hundred and fifty there,
plus you played twenty five dollars, so

399
00:29:49.319 --> 00:29:52.000
now you're up to one hundred and
seventy five. If you get another ticket,

400
00:29:52.039 --> 00:29:56.680
you may as well just register it
here. You got to multiply at

401
00:29:56.720 --> 00:30:00.680
times ten years. Oh, you've
been doing it right. Okay, you're

402
00:30:00.720 --> 00:30:03.880
playing the laws. I want to
know more people who do this. I

403
00:30:03.960 --> 00:30:06.200
promise you, we're not going to
trace your call, We're not going to

404
00:30:06.319 --> 00:30:10.480
rat you out. Let's do that
now. Tell Lucretia to hang on.

405
00:30:11.400 --> 00:30:15.720
Uh, Lucretia, I did a
lot of looking into this scam. She

406
00:30:15.880 --> 00:30:19.599
sent me a bunch of information,
a dating scam everyone has to know about

407
00:30:19.599 --> 00:30:26.839
because she thought she was protecting herself, but she did not protect herself by

408
00:30:26.880 --> 00:30:30.640
the way. Frank Ran the real
estate man, will do a market valuation

409
00:30:30.720 --> 00:30:33.920
of your home for the asking.
I talked to Frank this morning. He

410
00:30:34.079 --> 00:30:40.920
says he has a lot of great
deals on condos and town homes and on

411
00:30:41.039 --> 00:30:45.559
other homes single family, of course, and right now, if you want

412
00:30:45.559 --> 00:30:48.279
to know what you can sell your
house for in this market, he'll do

413
00:30:48.319 --> 00:30:52.400
a detailed analysis free of charge.
Three oh three nine two zero sixteen twenty

414
00:30:52.519 --> 00:31:00.079
two. Go with a sure thing
Denver's best rufer el Roofing dot com.

415
00:31:00.119 --> 00:31:07.240
You don't pay a cent until you're
content. Time for an insurance checkup free,

416
00:31:07.319 --> 00:31:11.839
no obligation. In comparison, call
Compass Insurance paying too much your coverage

417
00:31:11.880 --> 00:31:15.519
at dozens of insurance companies find out
now three O three seven to seven to

418
00:31:15.559 --> 00:31:19.319
one help. You'll think you're his
only customer when you choose Frank Durand the

419
00:31:19.359 --> 00:31:23.880
real estate Man dot com to list
your home with Remax Alliance three oh three

420
00:31:23.960 --> 00:31:32.599
nine two zero sixteen twenty two.
Hi Tom, Martino, you're troubleshooter three

421
00:31:32.599 --> 00:31:36.960
all three seven one three talk three
or three seven or three eight two five

422
00:31:37.039 --> 00:31:41.480
five? Okay. I want to
have Tom make a comment unregistered on registering

423
00:31:41.559 --> 00:31:48.000
vehicles. It seems that a lot
of people have texted me and they're going

424
00:31:48.079 --> 00:31:52.319
to South. It's either North or
South Dakota or both. And the states

425
00:31:52.359 --> 00:31:55.799
are not that. That state doesn't
care. It doesn't care if you're out

426
00:31:55.880 --> 00:32:00.160
of state, they'll register your vehicle. So Tom, what's your comment on

427
00:32:00.240 --> 00:32:07.960
that? Talkative? Okay? I
want to Tom to comment on saying this.

428
00:32:07.359 --> 00:32:09.839
Yeah, turn down your radio,
bro, you're listening in delay.

429
00:32:09.880 --> 00:32:14.799
Go ahead, I said I did. Hey, good morning, good morning.

430
00:32:16.720 --> 00:32:21.480
Are we on or yes we are? What is your comment on this

431
00:32:21.599 --> 00:32:27.359
registration out of state? Okay?
Here's the here's an issue. I bought

432
00:32:27.400 --> 00:32:31.440
a brand new motorcycle, was an
extensive one. My license plate alone for

433
00:32:31.519 --> 00:32:37.680
one year was five hundred and eighty
dollars. I paid for it. Three

434
00:32:37.720 --> 00:32:43.720
months later, I met a deer
and total the bike. So I wanted

435
00:32:43.759 --> 00:32:49.359
to wait until the following year to
get the next year model on a motorcycle

436
00:32:49.400 --> 00:32:54.079
or replacement. I took my license
plate to the DMV and said, hey,

437
00:32:54.119 --> 00:32:58.000
I want to return it. I
like to get a refund, so

438
00:32:58.880 --> 00:33:00.960
when I get the next one,
i'll do it. They said, no,

439
00:33:01.079 --> 00:33:07.920
there's no refund. Oh, hold
your plates until the validation expires.

440
00:33:08.279 --> 00:33:12.960
I said, but I'm not going
to buy one tomorrow. I'm gonna wait

441
00:33:13.039 --> 00:33:15.799
until the new model year comes out. They says, well, sorry,

442
00:33:15.960 --> 00:33:21.160
too late. Wait a minute,
so they would have got wait, they

443
00:33:21.200 --> 00:33:24.200
would give you credit if you did
it. When what is your time limit

444
00:33:27.200 --> 00:33:31.039
they would have given me. I
think was eight months left, So hold

445
00:33:31.039 --> 00:33:36.200
on. But but what I'm saying
is this, if you do not register

446
00:33:36.400 --> 00:33:42.960
another vehicle within the time, you
don't get that credit exactly, you lose

447
00:33:43.000 --> 00:33:45.160
it. It runs out. In
other words, as if you're using it,

448
00:33:45.160 --> 00:33:51.599
it runs out exactly. And so
if you wreck a bike, hold

449
00:33:51.640 --> 00:33:54.400
on, if you wreck a new
vehicle a month after you registered it and

450
00:33:54.480 --> 00:34:00.680
paid for all the taxes a month
after, and you waited till the following

451
00:34:00.799 --> 00:34:06.559
year, they would look at that
as an expired no credit due Exactly.

452
00:34:07.799 --> 00:34:12.360
They should be able. They should
be able to flag the system and say,

453
00:34:12.719 --> 00:34:16.800
hey, Tom's vehicle is wrecked,
let's put this credit on his account.

454
00:34:17.039 --> 00:34:22.679
What the hell? Why not?
Exactly So here's what I did,

455
00:34:22.000 --> 00:34:25.760
and that was five hundred and eighty
dollars for one year. So when I

456
00:34:25.840 --> 00:34:31.000
got my new bike, I had
lost my credit. I went and read

457
00:34:31.000 --> 00:34:35.800
string Oregon, I have property over
there. I read sure over there,

458
00:34:35.880 --> 00:34:40.320
Well, you have property there right
for four years? Hold on, I

459
00:34:40.760 --> 00:34:45.480
want to come back to this and
talk more about it. Go with a

460
00:34:45.559 --> 00:34:50.880
sure thing Denver's best roofer Excel Roofing
dot com. You don't pay a cent

461
00:34:51.079 --> 00:34:57.880
until you're content. Time for an
insurance check up free, no obligation.

462
00:34:57.920 --> 00:35:01.880
In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance

463
00:35:01.880 --> 00:35:06.400
companies find out now three oh three
seven to seven to one help. You'll

464
00:35:06.400 --> 00:35:09.239
think you're his only customer when you
choose Frank durand the real estate Man dot

465
00:35:09.280 --> 00:35:15.000
com to list your home with Remax
Alliance three all three nine two zero sixteen

466
00:35:15.039 --> 00:35:25.039
twenty two. Yeah, ripped of
bad news. You need adviso. You

467
00:35:25.159 --> 00:35:32.480
don't have the cam run in just
as fast as we can show Shooter's gonna

468
00:35:32.519 --> 00:35:39.159
help. Come man, This is
the Troubleshooter Show. Now Tom Martino,

469
00:35:42.440 --> 00:35:45.559
Hey Tom Martino here, Welcome to
the show. Three all three seven one

470
00:35:45.599 --> 00:35:47.239
three talks seven one, three,
eight, two, five five. I

471
00:35:47.280 --> 00:35:52.000
want to talk about registering vehicles out
of state as well as everything else,

472
00:35:52.239 --> 00:35:53.599
because a lot of people are starting
to do it, and I don't know

473
00:35:53.639 --> 00:35:57.280
why. I mean, I was
always told you can't do that. My

474
00:35:57.440 --> 00:35:59.599
god, they threatened the hell out
of me. They said, you can't

475
00:35:59.639 --> 00:36:01.719
do it, do it, can't
do it, you get tickets, it's

476
00:36:01.840 --> 00:36:06.280
not worth it. Now I'm hearing
that South Dakota. I don't know if

477
00:36:06.280 --> 00:36:08.840
it's North or South Dakota, sus
What was it? Was it North or

478
00:36:08.840 --> 00:36:12.360
South? Mark? What were they
taught? Which state? Was it both

479
00:36:12.440 --> 00:36:19.039
or one? North North Dakota?
Is it okay? I want clarification on

480
00:36:19.079 --> 00:36:21.440
that. If people have been doing
this, If it's North or South,

481
00:36:21.519 --> 00:36:25.039
I think one guy because one text
talked about South and then the caller talked

482
00:36:25.039 --> 00:36:29.800
about North, so I'm not sure. Also, I have handed with us

483
00:36:29.800 --> 00:36:31.599
from Hannah Davis from Fixed at twenty
four to seven. Out Let me get

484
00:36:31.599 --> 00:36:37.039
that out real quick, because we
really need to concentrate on this this month.

485
00:36:37.159 --> 00:36:39.880
For marsh Madness, you will never
and I mean never, ever,

486
00:36:40.079 --> 00:36:45.440
ever ever ever get this value ever
again for the work they put into it.

487
00:36:45.639 --> 00:36:49.960
They did my AC. And you
might say, oh, it's for

488
00:36:50.039 --> 00:36:52.599
you, Tom, No, I
swear to God it's the same exact thing

489
00:36:52.639 --> 00:36:54.360
they do for everyone, because I
have gotten calls on it. They spent

490
00:36:54.480 --> 00:36:59.480
two hours on our system going through
everything, the fins on the blower,

491
00:36:59.559 --> 00:37:02.000
they and anything that's removable and take
it apart. They can they do.

492
00:37:02.400 --> 00:37:06.199
They take things out, they clean
it, they use solve it. They

493
00:37:06.400 --> 00:37:13.800
make that furnace or AC incredible.
It's what I call the deep clean tune

494
00:37:13.800 --> 00:37:22.639
and check now twenty four dollars and
seven cents, twenty four to seven because

495
00:37:22.800 --> 00:37:25.400
fix it twenty four to seven.
This is for the AC this month.

496
00:37:25.480 --> 00:37:28.800
Okay, So have you seen them
do it? Have they done it for

497
00:37:28.840 --> 00:37:30.920
you? Yet? They've done it
for me. And that's how I first

498
00:37:30.960 --> 00:37:34.320
started working with them, Tom,
Is this happened. I fell in love

499
00:37:34.360 --> 00:37:37.400
with this company and I said,
hey, can I enjoin? Yes.

500
00:37:37.840 --> 00:37:39.360
They spent two hours, Like you
said, I came out and every single

501
00:37:39.360 --> 00:37:44.360
piece was taken apart. I literally
thought there was something horribly wrong with my

502
00:37:44.440 --> 00:37:46.000
system. They said, no,
ma'am, and this is just what we

503
00:37:46.079 --> 00:37:50.079
do for every customer. I had
a little noise that was made. It

504
00:37:50.159 --> 00:37:52.440
was making this I had a big
noise and it stopped no hours. Sounded

505
00:37:52.440 --> 00:37:54.559
like a freight train. I kid
you not. It was our first home

506
00:37:54.559 --> 00:37:58.880
that we moved into. It was
gone. Now here's what I want to

507
00:37:58.920 --> 00:38:01.679
tell you. Twenty four seven cents
this month only then it goes back to

508
00:38:01.760 --> 00:38:05.400
regular. But I'm gonna be honest
with you. Okay, even their regular

509
00:38:05.440 --> 00:38:09.239
price is a absolute screaming deal some
but twenty four dollars and seven cents?

510
00:38:09.280 --> 00:38:12.800
Are you kidding me? All you
have to do is call the schedule this

511
00:38:12.840 --> 00:38:15.440
month. I'm not even sure they
have to do it this month, but

512
00:38:15.480 --> 00:38:17.440
you have to call them. Get
on the books this month. So that's

513
00:38:17.440 --> 00:38:22.760
just get on the books fixmihome dot
com and there's a guarantee no breakdown for

514
00:38:22.800 --> 00:38:24.480
the AC fix my home dot com. We'll talk more about it. If

515
00:38:24.480 --> 00:38:29.079
you have any questions, give me
a call, because I do have a

516
00:38:29.119 --> 00:38:32.000
couple questions on AC I put away
for them that I gotten from email that

517
00:38:32.039 --> 00:38:36.559
I want to ask about. And
Hanna may have to ask ahead to an

518
00:38:36.599 --> 00:38:38.960
expert or she might know. I
think I know, but I'm not sure,

519
00:38:39.000 --> 00:38:43.440
but we'll talk about that. It
has to do with AC and trying

520
00:38:43.519 --> 00:38:49.400
to trying to what do they call
it? Zone it yourself meaning shutting down

521
00:38:49.559 --> 00:38:52.159
vents in a room? Will is
it bad to unbalanced? At what happens?

522
00:38:52.159 --> 00:38:54.440
Maybe we should, like I said, you might know, Honny,

523
00:38:54.559 --> 00:38:58.239
this question may have come up before. But anyway, three oh three seven

524
00:38:58.320 --> 00:39:00.679
one, three eight, two five
five. So SUS wants you to know

525
00:39:01.119 --> 00:39:07.639
that they check voicemail every single evening
and morning for calls to call back.

526
00:39:08.079 --> 00:39:13.000
So here's our number at that voicemail. And by the way, if you

527
00:39:13.079 --> 00:39:15.360
call now, it comes through the
studio. It's three oh three Martino,

528
00:39:15.920 --> 00:39:22.000
three oh three six two seven eight
four sixty six. Now to Tom for

529
00:39:22.079 --> 00:39:24.639
a comment on registering vehicles. Tom, you're the one that had the motorcycle,

530
00:39:24.719 --> 00:39:30.519
right, yes, sir? And
you is it north or south?

531
00:39:30.599 --> 00:39:32.639
Oh? No, you went to
Oregon? Now when you went to Oregon?

532
00:39:32.679 --> 00:39:38.840
Here's what I want to know.
Did you go to Oregon because you

533
00:39:39.000 --> 00:39:42.960
had property there? They let you? Would they have let you if you

534
00:39:42.960 --> 00:39:49.440
didn't have property there? I do
not believe so because they do you have

535
00:39:49.480 --> 00:39:53.880
a home there? Or yes I
do? So you use that address?

536
00:39:53.920 --> 00:39:59.920
Correct? Yeah? But do they
hassle you here? Because here's how law

537
00:40:00.719 --> 00:40:05.960
and sales, tax laws, trust
me. I've looked into them. They

538
00:40:06.000 --> 00:40:10.679
say that even if you have a
residence in Oregon, or a residence in

539
00:40:10.719 --> 00:40:16.199
Colorado, or a residence somewhere and
you register a vehicle there, they will

540
00:40:16.280 --> 00:40:23.079
de register it and make you go
where it is domiciled. So what is

541
00:40:23.159 --> 00:40:30.239
the definition of domiciled? That's the
thing. Yeah, ahead, I have

542
00:40:30.320 --> 00:40:37.079
them domiciled in Oregon. But I'm
here, And so you don't drive the

543
00:40:37.119 --> 00:40:42.159
motorcycles in Colorado a lot? Yes, I do. All my vehicles are

544
00:40:42.199 --> 00:40:49.480
register in Oregon. Because of their
unfair practice on the sales. They charge

545
00:40:49.480 --> 00:40:52.880
an outgrade of some amount for one
year Oregon. I paid one twenty five

546
00:40:53.000 --> 00:40:58.599
for four years. Yeah, so
listen, I have a question for you.

547
00:41:00.639 --> 00:41:04.639
When you drive them here, do
you get hassled over? No?

548
00:41:04.639 --> 00:41:08.960
No, you just don't. Don't
get tickets, don't do the wrong things.

549
00:41:10.159 --> 00:41:15.599
It's ridiculous. Okay, So Oregon
is Oregon is cheap. Uh.

550
00:41:16.039 --> 00:41:19.559
You know a lot of people listen, man, A lot of people are

551
00:41:19.599 --> 00:41:22.159
doing things to save money like that. So hang on, I mean not

552
00:41:22.239 --> 00:41:23.519
hang on. Thank you for calling. I appreciate it. Three or three

553
00:41:23.519 --> 00:41:28.239
seven with three talks seven or three
two five five? John, is it

554
00:41:28.360 --> 00:41:34.320
South Dakota, that you have your
car registered in John another John. Yeah,

555
00:41:35.559 --> 00:41:37.679
my mother in law. They have
a two thousand and three Trailblazer.

556
00:41:37.760 --> 00:41:43.280
They've had it registered in South Dakota
for almost three years, and they just

557
00:41:43.679 --> 00:41:45.760
South Dakota sends them to renewal,
they send it in, they send them

558
00:41:45.800 --> 00:41:51.239
back to me, and they drive
around here. They drive around here and

559
00:41:51.280 --> 00:41:55.159
there's no there's no problem. My
son has actually borrowed the car for the

560
00:41:55.239 --> 00:42:00.440
last eight months and drives back and
forth from Parker to downtown Denver. It's

561
00:42:00.480 --> 00:42:04.360
a priority thing. The police don't
have time to pull somebody over because about

562
00:42:04.360 --> 00:42:07.159
license plate. As long as you
don't break the law. And South Dakota

563
00:42:07.280 --> 00:42:13.320
doesn't require you to have a license
there, I mean a license or an

564
00:42:13.320 --> 00:42:15.840
address there. No, not at
all. They're just doing it for the

565
00:42:15.920 --> 00:42:20.880
revenue. They know that there's all
these states that are posing everybody on the

566
00:42:20.920 --> 00:42:25.000
emissions, and they're just like,
hey, we'll take the money. Mark.

567
00:42:25.119 --> 00:42:30.559
Do you know about this? I
wonder what do you think about this?

568
00:42:31.159 --> 00:42:37.599
I mean, I'm finding I'm fascinated. I am fascinated that this is

569
00:42:37.639 --> 00:42:42.920
happening and that people are it used
that they used to really clamp down on

570
00:42:43.000 --> 00:42:46.159
it. They did. Let me
tell you what California does. This is

571
00:42:46.199 --> 00:42:57.280
incredible California. If they see a
jet on the ramp. I'm not talking

572
00:42:57.320 --> 00:43:02.000
about like at these general aviation airports, lear jets, citations, sessment jet

573
00:43:02.159 --> 00:43:07.679
or just citation. They any kind
of jet, obamadi or whatever. These

574
00:43:07.719 --> 00:43:14.960
private corporate jets. If they're on
the ramp, they go out, get

575
00:43:15.000 --> 00:43:20.159
the end number, see where they're
registered. If they're not registered in the

576
00:43:20.280 --> 00:43:25.639
state of California, they send sales
tax notices to people. There have been

577
00:43:25.639 --> 00:43:30.760
even tourists, by the way,
so there have been tourists who have their

578
00:43:30.880 --> 00:43:36.480
jets parked there. But the city
that state says, if you park them

579
00:43:36.480 --> 00:43:39.079
here more than a certain amount of
time, they're now domiciled here. They've

580
00:43:39.159 --> 00:43:45.480
changed mostile laws and they start taxing
them. Think about that. Is that

581
00:43:45.599 --> 00:43:47.840
is actually or it was happening.
I don't know if it is right this

582
00:43:47.960 --> 00:43:51.679
minute. Now, I'm going to
go to that dating scand but first I

583
00:43:51.880 --> 00:43:55.719
really need to talk to Dave.
He's been waiting a while on this credit

584
00:43:55.800 --> 00:44:02.280
card thing. Go ahead, Dave, what's going on? Dave? Yes?

585
00:44:04.039 --> 00:44:07.599
What do you need to know?
Dave? Yeah? I uh had

586
00:44:07.639 --> 00:44:13.280
my card worked on and I called
me in. I paid it off half

587
00:44:13.400 --> 00:44:15.760
cash and have credit cards. Now
that's making a funny noise. I took

588
00:44:15.800 --> 00:44:19.920
it back and sant drive it another
five hundred mile in my creck itself.

589
00:44:19.960 --> 00:44:22.719
And I don't believe that he's sparing
it. Oh so wait a minute,

590
00:44:22.920 --> 00:44:27.880
do you want to do You want
to contest the credit card charge? Well,

591
00:44:27.880 --> 00:44:30.079
I want to put it on hold
until he picks it under one tea.

592
00:44:30.440 --> 00:44:32.840
Now, what do you mean put
it on you put it on hold?

593
00:44:32.880 --> 00:44:37.119
You mean the payment that you made
half of it until he fixes it,

594
00:44:37.199 --> 00:44:42.440
right, right, and that half
was done on credit card? Right?

595
00:44:42.559 --> 00:44:47.119
Nineteen? Okay, hold on,
let's talk. Let me noodle this

596
00:44:47.320 --> 00:44:50.800
and I'll come back with you on
that. Three oh three seven one three

597
00:44:50.840 --> 00:44:54.840
talk seven one three eight two five
five. Dan Mackenzie for a state planning

598
00:44:55.079 --> 00:44:59.559
Mackenzie law, I know, I
know Dany does a great job. He'll

599
00:44:59.559 --> 00:45:02.559
meet with you personally and go over
your estate. He's uh. I like

600
00:45:02.639 --> 00:45:07.480
that personal touch. He has a
smaller firm. I call it a boutique

601
00:45:07.519 --> 00:45:10.639
firm. It doesn't mean they don't
know what they're doing. He certainly is

602
00:45:10.679 --> 00:45:16.519
an expert at protecting your assets doing
trust wills and simple plans or complicated whatever

603
00:45:16.519 --> 00:45:22.760
you need eight three three COEO Plans
eight three three Coeo Plans or coeoplans dot

604
00:45:22.800 --> 00:45:30.519
co. Go with a sure thing
Denver's best roofer Excel Roofing dot com.

605
00:45:30.559 --> 00:45:37.679
You don't pay a cent until you're
content. Time for an insurance checkup free,

606
00:45:37.760 --> 00:45:43.280
no obligation. In comparison, call
Compass Insurance paying too much your coverage

607
00:45:43.280 --> 00:45:46.000
at dozens of insurance companies find out
now three O three seven to seven to

608
00:45:46.000 --> 00:45:50.679
one. Help. You'll think you're
his only customer when you choose Frank durand

609
00:45:50.679 --> 00:45:54.119
the real estate Man dot com to
list your home with Remax Alliance three oh

610
00:45:54.159 --> 00:46:00.159
three nine two zero sixteen twenty two. Hi Tom Martino here, fix it

611
00:46:00.199 --> 00:46:05.760
twenty for seven. Remember right now, make you you get on the books

612
00:46:05.920 --> 00:46:09.199
twenty four dollars and seven cents.
You will never find that deal anywhere ever

613
00:46:09.280 --> 00:46:12.599
again. Oh, I mean not
ever again. You might, but I'm

614
00:46:12.639 --> 00:46:15.960
saying you won't find one better in
town. Fix myhome dot com seven two

615
00:46:15.039 --> 00:46:20.639
zero five two six thirty nine thirty
nine. Now listen, I know we

616
00:46:20.719 --> 00:46:23.840
got this dating scam to update,
and I'm just begging for her, uh,

617
00:46:23.880 --> 00:46:28.440
for her patients, because I do
have to help some people that called

618
00:46:28.480 --> 00:46:30.039
in, and then I want to
get these comments on registrations. So,

619
00:46:30.159 --> 00:46:34.800
Dave, I'm on a dispute for
your credit card. Let me just get

620
00:46:34.880 --> 00:46:40.199
right to that. You can dispute
a particular charge. Now, what they

621
00:46:40.280 --> 00:46:44.440
do is they're not going to stop
that one charge. They're going to stop

622
00:46:44.440 --> 00:46:49.440
that credit card completely, okay,
and they're going to retrack that charge.

623
00:46:49.719 --> 00:46:53.920
But you have to contest it based
on a few things. Unfortunately, bad

624
00:46:54.000 --> 00:47:00.320
customer service is not one of them. Now, it's not not even breach

625
00:47:00.360 --> 00:47:05.280
of contract. You do it based
on the fact that you did not get

626
00:47:05.800 --> 00:47:15.599
what you paid for. So you
see what I'm saying. So they're going

627
00:47:15.679 --> 00:47:19.880
to question you and asked if you
tried to work it out with the merchant.

628
00:47:20.159 --> 00:47:23.400
They're not going to just hold it
because it's under warranty and you want

629
00:47:23.400 --> 00:47:28.400
to be sure it gets fixed.
They're not gonna do it if you call.

630
00:47:28.519 --> 00:47:30.119
However, if you call and not
get into the weeds with them and

631
00:47:30.239 --> 00:47:35.639
just say this was a fraudulent charge, they'll take it back. But then

632
00:47:35.679 --> 00:47:37.559
that and here's what I want to
tell people, and something I don't think

633
00:47:37.559 --> 00:47:42.400
people know, when you have a
dispute with a credit card charge and the

634
00:47:42.440 --> 00:47:50.679
credit card agrees with you, that
doesn't mean you don't owe the money.

635
00:47:50.800 --> 00:47:53.400
Do we know that? Of course
it doesn't. The merchant can still come

636
00:47:53.440 --> 00:48:00.360
after you directly that the credit card
company has no official capacity to rule on

637
00:48:00.400 --> 00:48:09.400
a debt. So you can call
it fraud and it's a little white lie.

638
00:48:10.199 --> 00:48:13.440
Or you might think it is fraud
if he didn't do it right.

639
00:48:13.800 --> 00:48:19.280
But if all you're concerned about is
holding him to the warranty, you're not

640
00:48:19.320 --> 00:48:24.079
going to be able to do that
with your card. Does that make sense

641
00:48:24.119 --> 00:48:30.239
to you? Yeah, I guess
it's just the way it is. What

642
00:48:30.400 --> 00:48:35.480
makes you think he won't honor the
warranty? Well, it's the talk two

643
00:48:35.840 --> 00:48:38.960
on a core debt. If you
don't get that shot into that flywheel area,

644
00:48:39.880 --> 00:48:44.400
tune up that bearing and everything else. Well, what makes you what

645
00:48:44.440 --> 00:48:51.320
makes you think he won't do it? He's got bad reviews? Okay,

646
00:48:52.239 --> 00:48:54.280
sorry, Dave, I can't tell
you anymore than I did three or three

647
00:48:54.280 --> 00:48:59.000
seven one three talks seven one three
eight two five five norm Why are you

648
00:48:59.800 --> 00:49:07.719
registerred in Idaho? Hey? Tom? Yeah, I registered my business trailer

649
00:49:07.800 --> 00:49:10.400
in Idaho because I pay a one
time fee of one hundred and twenty five

650
00:49:10.480 --> 00:49:15.599
dollars and it is non expiring.
How much would it how much would it

651
00:49:15.599 --> 00:49:20.960
have cost in Colorado? Didn't even
look heard about this deal. I was

652
00:49:20.960 --> 00:49:24.079
like, I'm going to try it. And sure, did they require an

653
00:49:24.119 --> 00:49:29.079
Idaho address? No, huh,
they know I'm out of state, but

654
00:49:29.159 --> 00:49:31.960
you have to be a business.
You just can't register your personal trailer there

655
00:49:32.000 --> 00:49:37.679
is you gave them a Colorado address. Yeah, yeah, they mailed me

656
00:49:37.800 --> 00:49:44.599
my life's plate to Colorado. You
didn't even pretend that you do business there.

657
00:49:45.400 --> 00:49:50.239
No. I even called the guy
and because I couldn't believe it right,

658
00:49:50.280 --> 00:49:52.719
and he was like, yeah,
yeah, it's on legit, but

659
00:49:52.800 --> 00:49:55.880
a business trailer not a vehicle.
Well I understand that now, so you

660
00:49:55.920 --> 00:50:01.400
can't do a vehicle there. I
didn't even check that I already had the

661
00:50:01.599 --> 00:50:06.519
vehicles registered here that are already paid
for, and I might look into it

662
00:50:06.559 --> 00:50:09.800
come you know, renewal time.
But all right, thank you. I

663
00:50:09.840 --> 00:50:14.480
appreciate the information. I want to
know anyone who's registering stuff out of state.

664
00:50:14.960 --> 00:50:16.800
Three oh three seven one three talk. I'm not going to do anything

665
00:50:16.880 --> 00:50:23.639
except I'm getting this information. I
may do an article on it. Uh,

666
00:50:23.800 --> 00:50:29.039
Storm, what do you mean you
registered weapons? What tell me about

667
00:50:29.079 --> 00:50:35.679
that? Yeah, Michelle, proclaim
privacy guy, and Miyoming is the best

668
00:50:35.719 --> 00:50:40.119
place in any of these assets that
are still on the books with the state

669
00:50:40.199 --> 00:50:45.360
in the society wants you to follow
these rules. There's a thing called a

670
00:50:45.400 --> 00:50:49.119
registered agent, and it puts a
buffer between you and your ass right.

671
00:50:49.199 --> 00:50:55.360
The registered agent is is someone who
has a presence for you in another state.

672
00:50:55.760 --> 00:51:01.280
But normally to do a registered agent
you have to have a company,

673
00:51:01.599 --> 00:51:07.159
an LLC or a corporation. Right, that is correct, And that's why

674
00:51:07.199 --> 00:51:10.679
you just make sure that you fill
out that paperwork and then you could put

675
00:51:12.039 --> 00:51:16.679
whatever you want into that company.
And what do you put and and in

676
00:51:16.719 --> 00:51:22.119
other words, you actually have an
LLC registered out of state that you keep

677
00:51:22.199 --> 00:51:28.679
stuff in. What do you keep
in your company? Well, when it

678
00:51:28.719 --> 00:51:30.440
comes to the privacy of my weapons, you know, we want to make

679
00:51:30.480 --> 00:51:34.960
sure that we follow the laws of
the land. You know they want us

680
00:51:35.000 --> 00:51:40.280
to you know, have the state
wants to know what weapons you have.

681
00:51:40.480 --> 00:51:45.480
But when you put this in this
LLC, that makes you sure that you

682
00:51:45.599 --> 00:51:47.400
have a buffer. Now, the
Storm, I want to ask you a

683
00:51:47.519 --> 00:51:54.000
question quickly about this this weapons thing. Uh is there? I'm ignorant.

684
00:51:54.039 --> 00:51:59.840
I'm sorry, I'm ignorant on this. Are all of our weapons registered somewhere

685
00:52:00.079 --> 00:52:05.599
under your name? This like the
States wants to know. Like, but

686
00:52:05.599 --> 00:52:08.679
but when when you buy them,
they keep a record, right, so

687
00:52:08.760 --> 00:52:14.639
it's registered, but you don't have
to renew that, do you? No?

688
00:52:14.880 --> 00:52:20.079
What I do is I put it
into this LLC registered agent so that

689
00:52:20.400 --> 00:52:23.239
if I ever get a notice,
Hey, you get it? You know,

690
00:52:23.480 --> 00:52:28.559
it gives us an opportunity to like
have a buffer zone, right to

691
00:52:28.599 --> 00:52:32.559
handle the next So when you go
out and buy a gun, the LLC

692
00:52:32.960 --> 00:52:39.239
is buying the gun. Correct,
It's okay, got it? Got it?

693
00:52:39.639 --> 00:52:45.320
Now private gun sales. You're not
required to register guns when you do

694
00:52:45.360 --> 00:52:49.559
a private gun sale, are you? No? Right? I don't think

695
00:52:49.599 --> 00:52:52.360
so. Again, this is just
a buffer so and I no, I

696
00:52:52.400 --> 00:52:54.199
get it, Storm, I get
it. Thank you very much for for

697
00:52:54.239 --> 00:53:00.039
that information. I'm mainly looking for
people who registered viles out of state to

698
00:53:00.280 --> 00:53:06.360
save money. There are tons of
them. And what they say is now

699
00:53:06.400 --> 00:53:12.320
with the newcomers and all of the
law enforcement, you know, the shoplifting,

700
00:53:12.480 --> 00:53:19.960
the crime, the homelessness, police
are not focused on running license plates

701
00:53:20.159 --> 00:53:24.400
and giving people a hassle, and
they seem to have their attention diverted.

702
00:53:25.159 --> 00:53:34.119
Wow, Lucretia. Back to you, now, Lucretia, I did extensive

703
00:53:34.320 --> 00:53:42.039
image searching on this marine. The
only place that he shows up, The

704
00:53:42.119 --> 00:53:49.280
only place is Snapchat. There are
no other photos of him anywhere, and

705
00:53:49.480 --> 00:53:55.960
we're talking sixteen billion images or something. They said, ridiculous, But oh,

706
00:53:57.239 --> 00:54:00.119
I can't. I can't find no. Seriously, use some really good

707
00:54:00.159 --> 00:54:06.079
stuff that a caller told me to
use. Plus I use Google the image

708
00:54:06.079 --> 00:54:10.880
search. So you can't find this
guy anywhere except Snapchat. So he must

709
00:54:12.000 --> 00:54:15.159
I mean that doesn't mean he's real
by the way, that means he made

710
00:54:15.199 --> 00:54:24.800
a photo and there one came back
saying, is this artificial intelligence? Now

711
00:54:25.559 --> 00:54:30.440
I don't think the guy's that good
looking that you know it's artificial intelligence.

712
00:54:30.480 --> 00:54:39.960
But I imagine you can create images
through AI that actually become a picture on

713
00:54:40.000 --> 00:54:45.079
the Internet, but there's no history
to it, and I think this might

714
00:54:45.119 --> 00:54:50.480
be an AI image because of that. Now, the next thing I want

715
00:54:50.519 --> 00:54:54.679
to warn people this is this is
something that happened to Lucretia, and this

716
00:54:54.840 --> 00:55:00.800
is really important. Lucretia, how
how did you first get approached. I

717
00:55:00.880 --> 00:55:05.559
want people to hear this. How
did you first get approached by this guy?

718
00:55:07.840 --> 00:55:12.159
Well? First time me say,
on Snapchat. I was on there

719
00:55:12.280 --> 00:55:15.880
because my granddaughters, you know,
my children, and I started I thought

720
00:55:15.920 --> 00:55:19.800
it was cute, you know,
they have cute you know, cartoons and

721
00:55:19.840 --> 00:55:22.679
all that stuff. And that's how
I got onto it. Well, later

722
00:55:22.760 --> 00:55:27.480
on I started getting like messages like
from not just this one, but I

723
00:55:27.519 --> 00:55:30.119
mean like all over, you know, just requests and all this. I

724
00:55:30.119 --> 00:55:34.239
started exploring that just then. That's
how I like, what kind of request?

725
00:55:34.519 --> 00:55:39.159
So I'm not too familiar with Snapchat, but if you have an account,

726
00:55:39.360 --> 00:55:44.400
if you have an account on Snapchat, people can ask you to be

727
00:55:44.440 --> 00:55:50.280
a friend. Well that's yeah,
that's what happened with me. Yeah I

728
00:55:50.320 --> 00:55:53.239
don't know, okay, anyway,
yeah, that's how it happened. And

729
00:55:53.760 --> 00:55:58.400
so I just was, you know, like clicking on it as to all

730
00:55:58.440 --> 00:56:01.719
of that, like even you know, they advertised like flowers or animals or

731
00:56:02.079 --> 00:56:06.519
you know, pets for sale or
whatever whatever it is. But anyway,

732
00:56:06.599 --> 00:56:09.000
and so that's how I started like
knowing, well you can message somebody.

733
00:56:09.280 --> 00:56:15.800
Yeah yeah, and that's so.
So this guy when he first when he

734
00:56:15.920 --> 00:56:20.440
first messaged you, what did he
say? Well, there was a whole

735
00:56:20.440 --> 00:56:22.320
bunch of messages. I mean I
was just like wow, you know,

736
00:56:22.480 --> 00:56:25.599
clicking on them, like oh this
one looks just different. And you know

737
00:56:25.599 --> 00:56:28.920
what I mean, I was clicking
you know, each one, not just

738
00:56:29.000 --> 00:56:34.960
his. Okay, and then what
then what happened? So then it just

739
00:56:35.039 --> 00:56:37.760
you know, it just it just
came to a conversation. You know,

740
00:56:37.840 --> 00:56:39.920
a few of them was kind of
like, you know, just was not

741
00:56:40.079 --> 00:56:44.239
my I was like, whoa,
you know, it's just messaging and they

742
00:56:44.400 --> 00:56:46.320
get to know you and all that. And so that's how I came about

743
00:56:46.800 --> 00:56:50.400
all this. I was like,
okay, my interest was more. And

744
00:56:50.440 --> 00:56:53.199
then pictures came about, and I
mean, you know, just different messages.

745
00:56:53.679 --> 00:56:58.079
So and I happened to click on
his and like his and so a

746
00:56:58.119 --> 00:57:01.320
little bit more information and talking and
so we had been talking already. Uh

747
00:57:01.480 --> 00:57:07.280
probably did you ever did you ever
hear his hold on? Hold on with

748
00:57:07.400 --> 00:57:10.639
Cretia? Did you ever hear his
voice? Or was it always snapchat?

749
00:57:12.480 --> 00:57:15.599
No? It was always just texting. Yeah, just the text. And

750
00:57:15.639 --> 00:57:19.239
I didn't even know about the voice, you know what I mean. It's

751
00:57:19.239 --> 00:57:22.280
just like I was so new that
all this and help me out again.

752
00:57:22.320 --> 00:57:28.440
Here, help me out again.
On snapchat. Snapchat's only pictures, not

753
00:57:28.960 --> 00:57:36.760
any words. Right, Oh well
I can message my granddaughters and on snapchat

754
00:57:36.920 --> 00:57:43.880
or on text I'm sorry, yeah, on snapchat? Okay, how we

755
00:57:44.159 --> 00:57:46.159
like even do the video where I
can have a picture, okay, a

756
00:57:46.199 --> 00:57:52.440
picture and picture where my picture I
could change images and put like okay,

757
00:57:52.559 --> 00:57:54.840
got it, got it? Okay, So this guy was snapchatting you and

758
00:57:54.880 --> 00:58:00.559
I see some of the one of
them, what was of his shirt off?

759
00:58:00.559 --> 00:58:05.280
In his eight pack and all of
that. Yes, afterwards, I

760
00:58:05.360 --> 00:58:07.840
was like, oh, we could
do personal pictures. Yeah, that's what

761
00:58:07.840 --> 00:58:10.719
I'm saying. I'm just like learning
all this. Now I want to I

762
00:58:10.880 --> 00:58:16.000
want to ask you something. Did
you from your phone? I didn't even

763
00:58:16.039 --> 00:58:22.880
know did you send any personal pictures? Well? Yes, of course,

764
00:58:22.199 --> 00:58:25.199
I yeah, got it? Got
it? Got it now? And he

765
00:58:25.280 --> 00:58:30.119
did too, So you thought this
was a real thing happening here. But

766
00:58:30.280 --> 00:58:34.559
after where years after while, he
just started just you know, like,

767
00:58:34.639 --> 00:58:37.280
oh I can't right now, or
and then it's night over here, and

768
00:58:37.320 --> 00:58:40.440
I go, well, then why
are you on the phone? Then you

769
00:58:40.480 --> 00:58:44.559
know, I'll deny. I told
him because it was day here is what

770
00:58:44.639 --> 00:58:49.000
I And did he say he was
an active military? He was active service,

771
00:58:49.079 --> 00:58:53.159
right, yes? Okay. When
did it get around to the money.

772
00:58:53.199 --> 00:58:58.840
How did that happen? Oh,
like I said, about four months,

773
00:58:58.880 --> 00:59:00.599
four and a half months. I
mean nothing about money. I was

774
00:59:00.679 --> 00:59:05.440
just all here, you know,
just talking, getting to know each other

775
00:59:05.800 --> 00:59:09.519
and just you know, and it
was just and just yeah, and that's

776
00:59:09.559 --> 00:59:13.159
why I liked it. And it
was like, okay, well and then

777
00:59:13.199 --> 00:59:15.280
I told him, well, you
know what I'm just because you know,

778
00:59:15.480 --> 00:59:16.880
she was like, oh, well, you know where you live? Where

779
00:59:16.880 --> 00:59:21.119
do you live specifically? Later on? And so I was like, you

780
00:59:21.159 --> 00:59:24.519
know, Denver whatever, and then
so yeah, and then so he was

781
00:59:24.559 --> 00:59:28.239
like oh and then I said,
well, but I'm moving and you know,

782
00:59:28.440 --> 00:59:30.840
just like more personal in form.
He just sounds comfortable, right,

783
00:59:31.199 --> 00:59:35.519
And so I just thought, oh, well then I'll maybe it's the best

784
00:59:35.559 --> 00:59:38.159
that I meet you in Florida and
or wherever we're going to go, just

785
00:59:38.280 --> 00:59:42.639
outther state. And what confused because
then I started was like, oh my

786
00:59:42.679 --> 00:59:46.440
god, what am I like really
getting personal like stupid? So I started

787
00:59:46.480 --> 00:59:50.239
like saying other things like oh,
well, you know, whenever we were

788
00:59:50.239 --> 00:59:52.559
deciding maybe we can go over here
and did you want to meet him?

789
00:59:52.599 --> 00:59:59.960
Lucretia, did you you did want
to meet right? Well, yeah,

790
01:00:00.039 --> 01:00:02.559
yes, of course. Okay,
now I have to ask this when what

791
01:00:02.800 --> 01:00:09.239
excuse? When did it get around
to money when he said, well,

792
01:00:09.480 --> 01:00:14.079
now he goes, oh, I
was stupid and I lost my bag with

793
01:00:14.199 --> 01:00:17.159
my credentials, and now I need
for you to, uh, you know,

794
01:00:17.199 --> 01:00:20.639
give me information. That way I
could put my money that you know,

795
01:00:20.679 --> 01:00:22.719
my money, my pay or whatever
into that accounts. So then when

796
01:00:23.039 --> 01:00:25.760
I could I could pull out for
the ticket because I don't have my ID

797
01:00:27.079 --> 01:00:30.599
and so you know, I was
like, oh man, that's a drag

798
01:00:30.800 --> 01:00:36.519
and oh you know, and so
so what did he say he was going

799
01:00:36.599 --> 01:00:40.559
to do? He said, if
you open an account or not open,

800
01:00:40.639 --> 01:00:44.760
but if you have an account and
give me the information, I will deposit

801
01:00:44.840 --> 01:00:49.239
money the money, Yeah, send
me the money. Then that way I

802
01:00:49.320 --> 01:00:52.800
can make the Then I could buy
the ticket and then get and then meet

803
01:00:52.840 --> 01:00:53.960
you over there. All right,
hold on, I'm Tom Martinez. Hang

804
01:00:54.000 --> 01:00:57.920
on, Lucretia. I want people
to hear what she did to try to

805
01:00:57.960 --> 01:01:00.760
protect herself, and I don't want
you to fall for this thinking you're protecting

806
01:01:00.760 --> 01:01:06.840
yourself. And how it ended up. Then John has hoa loss assessments.

807
01:01:06.920 --> 01:01:10.960
This is a major deal. Please
hang on and Robert Auto Insurance. I'll

808
01:01:12.000 --> 01:01:15.280
take all of you coming up.
Plus fixmihome dot com for the best deal

809
01:01:15.280 --> 01:01:20.559
ever on that ac cleaning. I'm
telling you twenty four dollars and seven cents

810
01:01:20.559 --> 01:01:28.840
Fix my home dot com. Go
with a sure thing Denver's best roofer Excel

811
01:01:28.960 --> 01:01:35.760
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a cent until you're content. Time for

812
01:01:35.760 --> 01:01:40.280
an insurance checkup free, no obligation
comparison call Compass Insurance paying too much your

813
01:01:40.280 --> 01:01:45.400
coverage at dozens of insurance companies find
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814
01:01:45.440 --> 01:01:49.199
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815
01:01:49.239 --> 01:01:52.800
real estate Man dot com to list
your home with Remax Alliance three oh three

816
01:01:52.880 --> 01:02:05.199
nine two zero sixteen twenty two.
Hey, I'm Tom Martino, your troubleshooter.

817
01:02:05.400 --> 01:02:07.760
Yes, I am three h three
seven to one three talk. We

818
01:02:07.800 --> 01:02:10.400
got to get to the phones.
We've got a lot of people and so

819
01:02:10.559 --> 01:02:15.079
much to talk about. By the
way, so uh before I Lucretia,

820
01:02:15.079 --> 01:02:17.400
I'm gonna go back to your dating
scam. But I want to first take

821
01:02:17.480 --> 01:02:22.679
John on this h way. I
want to this is a major problem facing

822
01:02:22.719 --> 01:02:25.440
all of us HOA assessments. God
am I getting a lot of flat for

823
01:02:25.480 --> 01:02:31.719
the articles I did, But it's
absolutely positively true. People are they're dying

824
01:02:31.760 --> 01:02:35.119
over it. I mean, you
know, not dying, but they're losing

825
01:02:35.199 --> 01:02:37.760
their condos and stuff. Tell me
what's going on with you? And it's

826
01:02:37.760 --> 01:02:40.159
all due to insurance. It all
boils down to insurance. What's going on?

827
01:02:40.239 --> 01:02:45.239
Man? Yeah? Tom, thanks
for taking my call. Hey,

828
01:02:45.280 --> 01:02:55.280
My question is after the owners don't
approve the loss assessment, what actions can

829
01:02:55.320 --> 01:03:00.679
the board take? Okay, if
you are on a an HOA board and

830
01:03:01.400 --> 01:03:07.679
you have people in the community that
won't pay pay their fair share, and

831
01:03:07.719 --> 01:03:15.400
it's truly done according to the bylaws, and you need to do the roof

832
01:03:15.800 --> 01:03:20.920
or you need to do whatever,
and you guys need this money, what

833
01:03:21.039 --> 01:03:25.840
you can do is you can put
liens on those units. You need to

834
01:03:25.840 --> 01:03:32.000
have an attorney who knows this stuff, and they put a pro erta lean

835
01:03:32.519 --> 01:03:38.440
pro rata, so it has to
be a fairly assessed lean for that section

836
01:03:38.719 --> 01:03:43.159
of the roof. Technically, now, I don't mean a section like a

837
01:03:43.199 --> 01:03:49.199
section because for example, with a
town home, you have an easy demising

838
01:03:49.320 --> 01:03:52.000
of a roof. In a condo, you don't third floor middle. What

839
01:03:52.280 --> 01:03:55.519
do you charge them all? You
charge the pro rata. You divide up

840
01:03:55.519 --> 01:03:59.840
the bill like you're doing for your
assessment. So how much is each a

841
01:04:00.000 --> 01:04:03.519
assessment with the HA how much is
it? Well, Tom, it's ten

842
01:04:03.559 --> 01:04:09.800
thousand and some loose change. We
have three categories and each one is ten

843
01:04:09.840 --> 01:04:12.960
thousand in a loose change, like
I said, in category one, two

844
01:04:13.079 --> 01:04:16.039
or three. Okay, So therefore
they have to pay ten grand. Are

845
01:04:16.079 --> 01:04:20.760
you having owners who refuse to pay
it? Well, we're getting ready to

846
01:04:20.800 --> 01:04:29.320
take a vote coming up next week, and I'm just trying to Okay,

847
01:04:29.320 --> 01:04:32.320
here's what you do. Here's what
they can do if it's a legit assessment

848
01:04:32.840 --> 01:04:39.199
and the bylaws are written properly,
which most of them are. Most bylaws

849
01:04:39.239 --> 01:04:43.840
are. I've done fourteen subdivisions,
and in every subdivision I did, I

850
01:04:43.960 --> 01:04:47.280
had attorneys right up this boilerplate.
They knew what the hell they were doing.

851
01:04:47.800 --> 01:04:51.880
I would only change minor things like
the size of houses and the covenants

852
01:04:51.880 --> 01:05:00.320
and all of that. But it
here's what the bylaws allowed leans on the

853
01:05:00.400 --> 01:05:09.480
property for non payment of assessments of
any kind. That's it, Tom,

854
01:05:09.519 --> 01:05:12.400
That's the way I read it too
when I look at my biology. Yes,

855
01:05:12.440 --> 01:05:14.880
and if you can't buy it.
Here's the other thing. Now,

856
01:05:15.000 --> 01:05:18.840
here's what a lot of Ho's ask
if I put a lean. If we

857
01:05:18.880 --> 01:05:25.039
put a lien on let's say,
fifty units that aren't paying or ten units

858
01:05:25.079 --> 01:05:30.119
that aren't paying, however many that
still doesn't give us the money. Well,

859
01:05:30.920 --> 01:05:35.760
it kind of does. Almost any
bank in the world will loan on

860
01:05:36.000 --> 01:05:43.199
collateral. So you can do a
loan, and then the assessment is also

861
01:05:43.760 --> 01:05:48.719
when you put a lean, also
carries interest with it. And then unfortunately,

862
01:05:49.480 --> 01:05:57.559
the next level is foreclosing. And
all of this has to be done

863
01:05:57.920 --> 01:06:01.400
with attorneys. Do you guys have
a management company? We do it,

864
01:06:01.440 --> 01:06:05.440
sir. They probably know every problem
that they know how to do it.

865
01:06:05.480 --> 01:06:10.920
They even know how to get financing
for the roof. Let me call me

866
01:06:11.039 --> 01:06:15.599
back after the vote and let me
know. I mean, look, people

867
01:06:15.679 --> 01:06:20.800
might be saying, Tom, you
normally talk about protecting consumers and Hoa's you

868
01:06:20.840 --> 01:06:25.519
know, and you don't like Hoy's. But here's the sad fact. When

869
01:06:25.559 --> 01:06:30.559
people call about assessments or any other
problem, I say this the hoa is

870
01:06:30.639 --> 01:06:34.199
you. They're not strangers. They're
not going to Tahiti with the money.

871
01:06:34.320 --> 01:06:39.480
They're putting it on the roof.
You have no choice but to pay it.

872
01:06:39.480 --> 01:06:43.960
It is not their fault that insurance
won't cover it all. It's not

873
01:06:44.159 --> 01:06:48.079
their fault that you need to repave
the parking lot. It's not their fault.

874
01:06:48.119 --> 01:06:53.360
They are you. If you fight
them, you're fighting yourself. You're

875
01:06:53.519 --> 01:06:57.719
all in the hoa whether you like
it or not. And people on the

876
01:06:57.800 --> 01:07:00.880
board take the heat. Call me
back, Robert and we'll give you step

877
01:07:00.920 --> 01:07:05.320
by step. I'm Tom Martino.
This is an incredible topic. It's going

878
01:07:05.400 --> 01:07:15.360
to be a major problem, major
if you have any kind of community property.

879
01:07:15.440 --> 01:07:18.400
Back to the dating scam and your
calls three oh three, seven to

880
01:07:18.440 --> 01:07:21.599
one three talks seven one three eight
two five five and then sues wants me

881
01:07:21.679 --> 01:07:27.039
to plug three oh three Martino so
we can have messages to call back for

882
01:07:27.119 --> 01:07:31.480
people who can't wait. And then
don't forget fixed my home dot com sevent

883
01:07:31.480 --> 01:07:36.039
to zero five two, six thirty
nine thirty nine for the most spectacular deal

884
01:07:36.679 --> 01:07:46.119
on the deep ac clean and tune
just twenty four dollars and seven cents go

885
01:07:46.280 --> 01:07:50.480
with a sure thing Denver's best roofer
Excel Roofing dot com. You don't pay

886
01:07:50.519 --> 01:07:58.280
a cent until you're content. Time
for an insurance check up free, no

887
01:07:58.400 --> 01:08:02.320
obligation. In comparison, call Compass
Insurance paying too much your coverage at dozens

888
01:08:02.320 --> 01:08:06.000
of insurance companies find out now three
all three seven seven to one Help.

889
01:08:06.159 --> 01:08:10.960
You'll think you're his only customer when
you choose Frank durand the real estate Man

890
01:08:11.000 --> 01:08:15.519
dot com to list your home with
Remax Alliance three all three nine two zero

891
01:08:15.599 --> 01:08:27.640
sixteen twenty two. Hi, Tom
Martine, your troubleshooter three O three seven

892
01:08:27.680 --> 01:08:30.920
to one three talk seven one three
eight two five five. Let's uh,

893
01:08:33.279 --> 01:08:38.479
let's talk to Jim. He has
a question on registering cars out of state.

894
01:08:38.520 --> 01:08:41.520
Then I'm going back to Lucretia after
the top of the hour and I'll

895
01:08:41.560 --> 01:08:46.760
tell you why. We have some
people investigating this and we're trying to get

896
01:08:46.760 --> 01:08:50.039
her out of that bill with the
bank, and I want to I hope

897
01:08:50.079 --> 01:08:54.840
have good news for her. Jim, Yeah, you have a question on

898
01:08:54.960 --> 01:09:00.600
the cars registered out of state.
I do normally when you register you're oh,

899
01:09:00.680 --> 01:09:04.359
you're get insurance and ask whether the
vehicle is garaged housed, et cetera.

900
01:09:05.399 --> 01:09:11.159
So is your insurance when you do
that is still valid with out of

901
01:09:11.239 --> 01:09:15.600
state plate and you have no residency? You know what, Let's get Compass

902
01:09:15.640 --> 01:09:19.159
on. You bring up a good
point. Let's ask him. I'm going

903
01:09:19.239 --> 01:09:25.279
to get Compass Insurance on and ask
him if that would complicate insurance. Great

904
01:09:25.760 --> 01:09:29.600
question, Jim, you can.
You don't have to hang on unless you

905
01:09:29.600 --> 01:09:31.199
have another question. We're going to
get them on after the hour, and

906
01:09:31.199 --> 01:09:36.640
then at the dating scam people,
you have to understand what Lucretia is facing

907
01:09:36.760 --> 01:09:41.399
right now. And I'm dragging this
out because I have people behind the scenes

908
01:09:41.439 --> 01:09:45.720
working, So hang on. I'm
Tom Martino three oh three Martino of course

909
01:09:45.760 --> 01:09:50.000
three oh three six two seven eight
four sixty six or three oh three seven

910
01:09:50.079 --> 01:09:59.479
one three talk. Go with a
sure thing Denver's best roofer Excel Roofing dot

911
01:09:59.520 --> 01:10:05.199
com. Don't pay a cent until
you're content. Leave time for an insurance

912
01:10:05.279 --> 01:10:11.600
check up free, no obligation comparison
call Compass Insurance paying too much your coverage

913
01:10:11.600 --> 01:10:15.239
at dozens of insurance companies. Find
out now three oh three seven seven to

914
01:10:15.319 --> 01:10:18.079
one help. You'll think you're his
only customer when you choose Frank durand the

915
01:10:18.119 --> 01:10:23.640
real estate man dot com to list
your home with Remax Alliance three oh three

916
01:10:23.720 --> 01:10:34.079
nine two zero sixteen twenty two.
Yeah, ripped of ad news, delet

917
01:10:34.159 --> 01:10:41.000
advisel. You don't have the come
running just as fast as we can.

918
01:10:41.920 --> 01:10:47.960
Show Shooter's gonna help come man.
This is the Troubleshooter Show. Now,

919
01:10:48.239 --> 01:10:54.560
Tom Martine, Hi, Tom Martino
here, Welcome to the show. Three

920
01:10:54.560 --> 01:10:58.439
oh three seven one three talk three
oh three seven one three eight two five

921
01:10:58.560 --> 01:11:00.439
five. We had an insurance question. I think it was a good one.

922
01:11:00.479 --> 01:11:04.279
I want to ask Brian Burns,
Compassed Insurance Group home of the free

923
01:11:04.359 --> 01:11:09.640
insurance check up. Remember that you
can always get an insurance check up by

924
01:11:09.680 --> 01:11:16.840
simply calling three h three it's nine
nine six. I got three three nine

925
01:11:16.920 --> 01:11:19.760
niney six nine thousand. I had
a brain fart there for a minute.

926
01:11:19.840 --> 01:11:24.159
But in any case, let's talk
about this. So we're getting calls,

927
01:11:24.199 --> 01:11:28.640
Brian that our people are really and
by the way, you're inundated by calls

928
01:11:28.760 --> 01:11:31.560
with the town homes and the condos
because of the roof and the HOA is

929
01:11:31.600 --> 01:11:34.960
looking for coverage and all of that. And that's a whole different topic.

930
01:11:35.039 --> 01:11:40.520
But now we have people upset with
vehicle registrations in the state of Colorado going

931
01:11:40.520 --> 01:11:45.680
out of hand. And we have
people and Brian, you're not a police

932
01:11:45.680 --> 01:11:48.119
officer, you don't have to enforce
the law. But and you don't have

933
01:11:48.159 --> 01:11:54.640
to give me names. But people
are registering expensive vehicles out of state.

934
01:11:55.680 --> 01:12:00.640
They have they're just doing it.
They're Montana's one state. Another state is

935
01:12:00.840 --> 01:12:13.199
uh South Dakota, and another one
is Idaho. And they're registering cars and

936
01:12:13.239 --> 01:12:18.039
then the plates are sent to them
through the mail. Okay, what I

937
01:12:18.199 --> 01:12:23.600
what some what someone asked is and
by the way, they're not lying to

938
01:12:23.640 --> 01:12:28.680
the state. They're not saying that
they live there or anything. They're not.

939
01:12:29.920 --> 01:12:36.279
And and what I'd like to know
is does that affect insurance? If

940
01:12:36.319 --> 01:12:41.720
I live here in Colorado and I
have an expensive car or a motor home

941
01:12:42.520 --> 01:12:46.840
and it's registered somewhere else, does
does insurance care? Are they going to

942
01:12:46.880 --> 01:12:50.359
look for a reason not to pay
me? No, it wouldn't be an

943
01:12:50.399 --> 01:12:56.560
issue of not having coverage. Here's
here's the issue. Most states are going

944
01:12:56.600 --> 01:13:00.319
to require that you have insurance in
their state and order to get the registration.

945
01:13:01.119 --> 01:13:05.079
So obviously Colorado is for sure if
you try to register a car here

946
01:13:05.079 --> 01:13:11.159
in Colorado, they have to have
proof of Colorado insurance. So when people

947
01:13:11.239 --> 01:13:14.039
register out of states, a lot
of times what they find is they have

948
01:13:14.119 --> 01:13:17.000
to insure it in that other state
as well. But if they insure it

949
01:13:17.079 --> 01:13:23.239
in that other state but it's domiciled, you know, does that company say,

950
01:13:23.279 --> 01:13:28.119
hey, you were If they find
out about it, they would just

951
01:13:28.159 --> 01:13:30.680
non renew and say, no,
you have to be domiciled in this or

952
01:13:30.720 --> 01:13:32.439
you have to be here at least
fifty percent of the time. But it's

953
01:13:32.479 --> 01:13:35.720
not I want to stress, it's
not a coverage issue. In other words,

954
01:13:36.119 --> 01:13:39.159
you have an accident, No,
I get it. I get it.

955
01:13:39.199 --> 01:13:44.680
So are you saying then if I
register my car in If I register

956
01:13:44.800 --> 01:13:50.840
my car in Colorado like it is, and I really am living most of

957
01:13:50.920 --> 01:13:54.800
the time, most of the time, let's say, ninety nine ninety eight

958
01:13:54.800 --> 01:13:59.840
percent of the time in another state
and I just come back here to see

959
01:13:59.840 --> 01:14:02.119
my kids or something. Am I
going to get in trouble with my insurance

960
01:14:02.199 --> 01:14:06.279
or they don't. The insurance doesn't
care as long as it's registered here and

961
01:14:06.359 --> 01:14:11.279
insured here. Would I be covered
in Oklahoma, or in Florida or in

962
01:14:11.359 --> 01:14:15.359
Arkansas? You would Yep, you
would not be in trouble from an insurance

963
01:14:15.359 --> 01:14:18.760
standpoint. I know that there's some
rules as far as with the DMV of

964
01:14:18.800 --> 01:14:24.319
what their expectations are from, but
from a standpoint of insurance, it wouldn't

965
01:14:24.319 --> 01:14:28.159
be a covert issue as So,
wait if I call you then and I

966
01:14:28.399 --> 01:14:33.319
wink wink, I have my car
registered in South Dakota, Brian, would

967
01:14:33.479 --> 01:14:38.840
can you write a policy that would
be effective there for them? Well,

968
01:14:38.960 --> 01:14:42.920
so you're saying a South Dakota policy, I don't know. I've never even

969
01:14:42.960 --> 01:14:45.920
heard of South Dakota. I thought
a policy as a policy as a policy.

970
01:14:45.079 --> 01:14:47.359
No, it's a policy, is
not a policy. So what I'm

971
01:14:47.359 --> 01:14:50.000
telling you is if you try to
go register your car in South Dakota.

972
01:14:50.039 --> 01:14:54.520
When you try to register it,
and I don't know about every state,

973
01:14:54.600 --> 01:14:58.920
but most states are going to require
that you also show them proof of that

974
01:14:59.119 --> 01:15:02.439
state's insurance. What do you mean
that state's insurance progressive? I'm sure is

975
01:15:02.479 --> 01:15:05.560
there just like it's here. Yeah, but there's a progressive set. You

976
01:15:05.560 --> 01:15:10.359
have to write the policy in South
Dakota. There's a South Dakota form for

977
01:15:10.479 --> 01:15:13.840
progressive. Are you kidding me?
Oh? No, No, If you're

978
01:15:13.880 --> 01:15:15.920
if you're writing it, it's a
Colorado. If I write in other states,

979
01:15:15.920 --> 01:15:19.720
which we do, we write in
other states, I have to specifically

980
01:15:19.920 --> 01:15:25.720
go and put that rating state in
to build because rates are different too.

981
01:15:26.359 --> 01:15:30.600
It's all different. Oh man,
So what do you call it? The

982
01:15:30.640 --> 01:15:35.760
insurance must be written under the states? Why that where your car is registered

983
01:15:38.079 --> 01:15:41.560
and it's under the state laws or
under the state form you mentioned? What

984
01:15:41.640 --> 01:15:44.039
is he? What do you mean? Yeah? So the insurance like,

985
01:15:44.119 --> 01:15:47.840
so whatever a county you're trying to
register your car in when you when you

986
01:15:47.920 --> 01:15:53.640
go there, you always are needing
to provide proof of insurance when you're registering

987
01:15:53.680 --> 01:15:57.000
a new car. When you do
that, Okay, going to look and

988
01:15:57.039 --> 01:16:00.199
say this is not you know,
if you came to Colorado and you you

989
01:16:00.239 --> 01:16:02.760
had South Dakota insurance, they'd say, no, you've got to have Colorado

990
01:16:02.800 --> 01:16:08.199
insurance to register the car here.
Okay, I'm going to ask you something

991
01:16:08.239 --> 01:16:14.119
crazy. Are there any states that
don't require insurance anymore? I don't know

992
01:16:14.199 --> 01:16:16.520
any states that don't require insurance.
What I don't know how to answer you

993
01:16:16.720 --> 01:16:23.119
is if there's a state that doesn't
require insurance, from that state, almost

994
01:16:23.159 --> 01:16:26.840
every state that I'm aware of does, but there might be a state out

995
01:16:26.840 --> 01:16:32.239
there that doesn't care as long as
you show insurance. You know what I

996
01:16:32.399 --> 01:16:36.520
used to be. I used to
live in Florida going to college. When

997
01:16:36.560 --> 01:16:40.840
I lived down there, there was
no insurance required. Did you know that,

998
01:16:41.840 --> 01:16:46.239
m yep, that was a long
time ago, of course. Yeah.

999
01:16:46.239 --> 01:16:50.199
And Florida is its own world with
insurance. Obviously we don't write there,

1000
01:16:50.279 --> 01:16:56.079
but it's got It is one of
the toughest states in the entire country

1001
01:16:56.119 --> 01:17:01.319
to get insurance. Where Florida you
specifically home, I should classify that home

1002
01:17:01.319 --> 01:17:04.640
insurance is almost impossible to get there. You have to a lot of people

1003
01:17:04.680 --> 01:17:09.880
have to go to the state funded
insurance. Now, okay, well,

1004
01:17:10.279 --> 01:17:13.079
Brian, thanks for the answer.
Three on three seven one three talk seven

1005
01:17:13.079 --> 01:17:17.720
one three eight two five five.
We have an auto insurance? Was that

1006
01:17:17.840 --> 01:17:21.920
Robert? Who was Yeah, Robert, that's another one Robert has. But

1007
01:17:21.960 --> 01:17:30.479
that's not about insurance, that's about
recourse. I think we've wait. Is

1008
01:17:30.520 --> 01:17:32.520
this a new call, Robert with
your auto insurance? Is that a new

1009
01:17:32.560 --> 01:17:36.439
call? Robert? Sorry? I
thought it was the same one, Robert.

1010
01:17:38.720 --> 01:17:41.720
Yeah, Sure, what's going on
with you? Matt here? What's

1011
01:17:41.760 --> 01:17:45.760
happening? Nothing? I, So
I did an auto claim. I hit

1012
01:17:45.760 --> 01:17:49.159
a curb and popped some tires and
the eating front of alignment, some tires,

1013
01:17:49.600 --> 01:17:55.119
and I have a debt on my
door. Yeah, back into something.

1014
01:17:55.279 --> 01:17:58.039
And so I tried to make a
claim on my insurance. I have

1015
01:17:58.079 --> 01:18:01.880
perfect driving record, perfect insurance.
They made me make two clans for five

1016
01:18:01.920 --> 01:18:06.960
hundred dollars each. Because why is
that? Because they said it was two

1017
01:18:08.000 --> 01:18:10.079
different courages. I said, well, I'm trying to fix it all at

1018
01:18:10.079 --> 01:18:12.000
once. Wait a minute, I
thought, you said, O wait,

1019
01:18:12.039 --> 01:18:16.399
wait, so when you hit the
curb, you did what damage did you

1020
01:18:16.479 --> 01:18:20.159
do? I popped, I popped
a tire a bit, two rims and

1021
01:18:20.239 --> 01:18:26.439
do my foot and alignment out.
Okay, okay, A lot of times

1022
01:18:26.479 --> 01:18:30.119
it's not worth doing that kind of
coverage because but okay, so you hit

1023
01:18:30.119 --> 01:18:35.920
a curb and you you damage tires
and uh and wheels. Okay, but

1024
01:18:36.199 --> 01:18:42.399
then what about the dent in the
back on the it's on the door,

1025
01:18:42.520 --> 01:18:45.720
So I was it snow doubt?
And this was was this a previous Was

1026
01:18:45.760 --> 01:18:54.119
this a previous accident about a week
before? Yes? Ah, so and

1027
01:18:54.159 --> 01:18:58.640
so I got what my problem is
though, is they made me make two

1028
01:18:58.640 --> 01:19:01.680
claims I haven't, and that's proper, by the way, that is proper.

1029
01:19:03.159 --> 01:19:06.119
Yeah, no worries. But here's
the kicker. Now, I've already

1030
01:19:06.159 --> 01:19:09.840
had at the body shop, the
car's done. But now they're reviewing the

1031
01:19:09.880 --> 01:19:13.199
second claim. I mean, what
are you reviewing the cars? Why?

1032
01:19:13.760 --> 01:19:15.920
Why? I don't know. I
don't know, because they're telling me that

1033
01:19:15.960 --> 01:19:18.840
the insurance hasn't paid them for the
claim and my car is sitting there waiting

1034
01:19:19.520 --> 01:19:25.439
right now at Brutefield. How much
is the second claim? They're both five

1035
01:19:25.479 --> 01:19:29.239
hundred dollars or a thousand dollars claim, but they exceeded my dollars. I'm

1036
01:19:29.279 --> 01:19:35.760
asking none. Please hope they're they're
only you're telling me total damage on your

1037
01:19:35.800 --> 01:19:43.319
car was one thousand dollars for each
claim. It was no for each claim.

1038
01:19:43.399 --> 01:19:47.159
I think it was seven on one
and over six hundred and seven hundred

1039
01:19:47.159 --> 01:19:50.680
on the other one. So with
the two claims, Robert, Robert,

1040
01:19:50.760 --> 01:19:58.479
why why would you file? Why
why would you file an insurance claim with

1041
01:19:58.760 --> 01:20:02.199
seven hundred dollars worth damage and five
hundred dollars worth of damage? I don't

1042
01:20:02.239 --> 01:20:08.840
it doesn't even make sense to me. It's over my that's what date estimated

1043
01:20:08.880 --> 01:20:12.840
to that it was more than that. Robert, Robert, are you talking

1044
01:20:12.920 --> 01:20:15.640
about? Robert? What is your
deductible? I think you're really confused.

1045
01:20:15.640 --> 01:20:21.880
What is your deductible? Five hundred
dollars? Okay? How much was the

1046
01:20:23.079 --> 01:20:27.720
entire claim? Number one for the
wheels and tires? How much was that

1047
01:20:27.800 --> 01:20:34.399
claim? Seven hundred and fifty dollars
minimum? You mean to tell me you

1048
01:20:34.479 --> 01:20:38.600
had a seven hundred and fifty dollars
claim, and even if it was a

1049
01:20:38.720 --> 01:20:44.560
thousand dollars claim, you put in
an insurance claim and paid five hundred of

1050
01:20:44.600 --> 01:20:47.720
that just to get that five hundred
dollars from insurance? Is that right?

1051
01:20:49.880 --> 01:20:53.680
You get it fixed and to give
me Okay, let me explain this to

1052
01:20:53.720 --> 01:20:57.680
you, Robert, I hate you. If you have a thousand dollars claim.

1053
01:20:57.800 --> 01:21:00.680
I know this sounds silly, and
you have a five one hundred dollars

1054
01:21:00.680 --> 01:21:02.520
deductible, the question is should you
use it? Well, of course,

1055
01:21:02.560 --> 01:21:08.079
it's your insurance, so you pay
five hundred, your insurance pays five hundred.

1056
01:21:08.600 --> 01:21:12.039
But let me explain what that does
to you. It's going to cost

1057
01:21:12.079 --> 01:21:15.600
you more than five hundred dollars when
they raise your rates, and that claim's

1058
01:21:15.640 --> 01:21:19.680
going to go against you. Now
you had two claims. And what's worse

1059
01:21:19.800 --> 01:21:25.880
is you had two claims in one
month. So now they do five hundred

1060
01:21:25.920 --> 01:21:30.800
dollars on one and five hundred on
another. You you what what I'm saying

1061
01:21:30.920 --> 01:21:36.359
is it wasn't worth putting in a
claim for the devastation it's going to do

1062
01:21:36.439 --> 01:21:41.439
to you. They may not renew
you because you had two claims. You

1063
01:21:41.520 --> 01:21:45.920
have way more problems than this second
claim. I mean, how much was

1064
01:21:45.960 --> 01:21:48.359
the second claim for that? How
much was that dent to repair? If

1065
01:21:48.359 --> 01:21:53.159
you took it in off the street
to repair it without insurance, how much

1066
01:21:53.199 --> 01:21:57.720
would the second dent have cost you? Twelve hundred to fifteen hundred dollars?

1067
01:21:57.960 --> 01:22:00.880
Twelve to fifteen hundred. Again,
I know people think this is weird.

1068
01:22:01.159 --> 01:22:04.199
They asked me, why would you
have insurance? If you can't use it?

1069
01:22:04.399 --> 01:22:08.319
You can use it, But first
of all, I need to tell

1070
01:22:08.359 --> 01:22:14.399
people this. You should have a
minimum a minimum of one thousand dollars deductible

1071
01:22:14.880 --> 01:22:17.479
or a maximum minimum. Yeah,
not five hundred. In fact, if

1072
01:22:17.520 --> 01:22:20.800
you can have a twenty five hundred
dollars, if you could put in a

1073
01:22:20.840 --> 01:22:27.119
CD twenty five hundred dollars for accidents, a CD a savings take it out

1074
01:22:27.640 --> 01:22:33.199
and have a twenty five hundred dollars
deductible. Your insurance rates would be astronomically

1075
01:22:33.239 --> 01:22:39.119
lower, and that twenty five hundred
would be earning interest. And if you

1076
01:22:39.119 --> 01:22:42.319
don't get into an accident, you
won't use it. If you do get

1077
01:22:42.359 --> 01:22:47.479
into an accident, you will still
be far ahead. So your first mistake

1078
01:22:47.680 --> 01:22:51.560
was you only had a five hundred
dollars deductible. Your second mistake is you

1079
01:22:51.640 --> 01:22:57.199
actually used it. So now I
just want you to know, even if

1080
01:22:57.199 --> 01:23:00.680
the second claim is paid, they're
going to say bye to you. What's

1081
01:23:00.720 --> 01:23:04.119
the name of the insurance company.
It's keep Insurance. But guess what,

1082
01:23:04.560 --> 01:23:09.079
I have a perfect record. So
my insurance I was paying three hundred fifty

1083
01:23:09.119 --> 01:23:14.920
dollars. I got another insurance claim
another insurance to texted and something two hundred

1084
01:23:14.920 --> 01:23:18.359
and thirty five dollars. I'm saving
over one hundred dollars. I've already changed

1085
01:23:18.359 --> 01:23:23.439
over. My car is hold On, hold On. So the old company.

1086
01:23:23.920 --> 01:23:27.880
You're no longer with that old company, you know, because you did.

1087
01:23:27.920 --> 01:23:30.000
They did exactly what you said.
They gave me a nonrenewable so I

1088
01:23:30.000 --> 01:23:33.640
wow. So they did cancer way, So they did cancel you. And

1089
01:23:33.720 --> 01:23:38.800
here's what's amazing to me. You're
an amazing person, Robert. You got

1090
01:23:38.840 --> 01:23:46.199
canceled for excessive claims and another company
did not care. Nope, are you

1091
01:23:46.319 --> 01:23:49.640
kidding? Are you really okay?
I got to get Compass back on this

1092
01:23:49.680 --> 01:23:53.640
is I want to know what you
did and how you did it. Did

1093
01:23:53.680 --> 01:23:57.720
you get the new I just don't
know. I've never heard of somebody being

1094
01:23:57.840 --> 01:24:02.960
canceled for excessive claims. I never
heard of a company doing that ever,

1095
01:24:03.840 --> 01:24:10.640
and another company picking you up cheaper. Your payment is two hundred and thirty

1096
01:24:10.640 --> 01:24:15.279
five dollars a month. Yep,
Okay, hold on, hold on,

1097
01:24:15.560 --> 01:24:17.279
Brian, I don't know. Brian
is still there. He is still there.

1098
01:24:17.319 --> 01:24:20.119
But we got to break, Tom, Oh my god, this is

1099
01:24:20.279 --> 01:24:28.279
unbelievable. Will break. We'll come
right back. Go with a sure thing

1100
01:24:28.399 --> 01:24:31.800
Denver's best roofer Excel roofing dot com. You don't pay a cent until you're

1101
01:24:31.880 --> 01:24:39.840
content. Time for an insurance check
up free, no obligation. In comparison,

1102
01:24:39.960 --> 01:24:44.840
call Compass insurance paying too much your
coverage at dozens of insurance companies find

1103
01:24:44.880 --> 01:24:46.840
out now three all three seven to
seven to one. Help. You'll think

1104
01:24:46.880 --> 01:24:50.880
you're his only customer when you choose
Frank durand the real estate man dot com

1105
01:24:50.920 --> 01:24:56.600
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1106
01:24:56.600 --> 01:25:00.680
two. Hi Tom Martino here three
three seven one three About god, we

1107
01:25:00.760 --> 01:25:02.520
have so much going on right now. Hey, Brian, I want to

1108
01:25:02.520 --> 01:25:05.239
ask you something to Brian is from
Compass Insurance Group. We still have the

1109
01:25:05.319 --> 01:25:10.239
dating scam. I promise you will
get to and then don't forget fixmihome dot

1110
01:25:10.239 --> 01:25:13.439
com. We're gonna tell you what
it can save you in a minute.

1111
01:25:13.479 --> 01:25:17.920
Here for twenty it's twenty four dollars
and seven cents in honor of fix at

1112
01:25:17.920 --> 01:25:21.800
twenty four seven Fix myhome dot com
for extreme clean and check of your furnace.

1113
01:25:23.000 --> 01:25:27.880
But Brian, I got to ask
you this. This guy Robert had

1114
01:25:27.920 --> 01:25:30.920
two claims in a month, a
perfect record, but two claims in a

1115
01:25:30.960 --> 01:25:35.159
month because he had his wheel and
tire, he hit a curb and then

1116
01:25:35.199 --> 01:25:40.199
he had a dent from the week
before snowstorm and they made him file two

1117
01:25:40.239 --> 01:25:45.359
claims then cancel them. Can you, now, with a perfect record,

1118
01:25:45.359 --> 01:25:50.039
can you get canceled for two claims
in a month? You absolutely can?

1119
01:25:50.199 --> 01:25:55.039
Yep? Why well, let me
make it clear. You can't get canceled.

1120
01:25:55.039 --> 01:25:58.239
You can get non renewde they can't
cancel you mid t Well that's what

1121
01:25:58.279 --> 01:26:02.640
he means renewal. Yeah, then
okay, they would not remove then.

1122
01:26:02.880 --> 01:26:06.840
But he was able and tell me
why he was able to go out and

1123
01:26:06.840 --> 01:26:13.399
find insurance cheaper than the one he
had. So I was listening to the

1124
01:26:13.840 --> 01:26:16.840
conversation and your advice, by the
way, to never make a claim like

1125
01:26:16.920 --> 01:26:19.800
that would be my advice as well. It's just too little of a payout

1126
01:26:20.800 --> 01:26:25.600
for a collision claim like that because
they're at fault. But as far as

1127
01:26:25.640 --> 01:26:29.560
finding a better price than he was
paying, the only thing I could guess

1128
01:26:29.680 --> 01:26:32.720
is one they maybe didn't they didn't
know about the claims. In other words,

1129
01:26:32.760 --> 01:26:39.239
when they pulled the clue report the
claim history, it wasn't reported yet

1130
01:26:39.359 --> 01:26:44.119
or hasn't hadn't been updated yet.
That's one possibility. The other possibility is

1131
01:26:44.119 --> 01:26:46.479
he was paying way too much for
insurance before. I guess I don't know,

1132
01:26:47.560 --> 01:26:54.880
all right, listen it is it? Okay? So what about deductibles?

1133
01:26:54.920 --> 01:27:00.319
When do you not save money?
Well, I mean I was listening

1134
01:27:00.319 --> 01:27:03.279
to your advice there too. I
carry high hundred deductibles as well. But

1135
01:27:03.720 --> 01:27:09.720
there are times where like going from
one thousand to twenty five hundred doesn't reward

1136
01:27:09.760 --> 01:27:12.279
the person enough. Now I'm with
you. You wouldn't want to make a

1137
01:27:12.359 --> 01:27:15.960
claim for under twenty five hundred in
most cases in my opinion, for a

1138
01:27:15.000 --> 01:27:18.640
collision. But if you had a
big loss, Let's say you had a

1139
01:27:18.640 --> 01:27:23.039
thirty thousand dollars loss, you'd make
the claim and you'd be out that twenty

1140
01:27:23.039 --> 01:27:27.119
five hundred. So it has to
reward you enough. Well, that's what

1141
01:27:27.159 --> 01:27:30.319
I'm asking you. You've done the
math. You're a genius said this,

1142
01:27:30.479 --> 01:27:34.159
what is the magic number for saving
where beyond that it doesn't save you that

1143
01:27:34.239 --> 01:27:40.000
much. I would always say that
this is a judgment call for people is

1144
01:27:40.039 --> 01:27:43.760
the problem. And if you're paying
very little, let's say you out some

1145
01:27:43.800 --> 01:27:46.199
older cars, but you're carrying collision
and comprehensive on it, if you go

1146
01:27:46.239 --> 01:27:49.319
from five hundred to one thousand,
it might take it twenty bucks. But

1147
01:27:49.520 --> 01:27:55.319
if you have a Mercedes or a
you know whatever, an expensive vehicle and

1148
01:27:55.399 --> 01:27:58.760
you have bad driving record, you're
paying four five thousand dollars for your auto

1149
01:27:58.840 --> 01:28:01.720
insurance, it may it's a big
difference. So it really depends on what

1150
01:28:01.760 --> 01:28:09.039
your premium is. It's not necessarily
as easiest saying always do this, Okay,

1151
01:28:09.239 --> 01:28:15.800
so you do the math. Yes, okay. So if you do

1152
01:28:15.880 --> 01:28:20.239
have a low deductible, that doesn't
mean you should use it all the time,

1153
01:28:20.359 --> 01:28:27.760
right, that's right, Okay,
that's what that means. But you

1154
01:28:27.800 --> 01:28:29.560
know, and people were like,
well, why am I carrying it?

1155
01:28:29.600 --> 01:28:31.760
Well, if you have a big
claim, you're still out only that lower

1156
01:28:31.880 --> 01:28:36.600
deductible. You know, to me, if it pays itself back within three

1157
01:28:36.680 --> 01:28:42.720
years, two years, whatever your
threshold is, it's worth it to carry

1158
01:28:42.720 --> 01:28:45.119
the higher deductible. In my opinion. Some people are like, but I

1159
01:28:45.159 --> 01:28:48.600
can't come up with twenty five hundred
or a thousand nine. I understand that.

1160
01:28:48.800 --> 01:28:54.079
So it's really more of a you
know, a per person choice on

1161
01:28:54.159 --> 01:28:56.520
that. Here's what I want to
know. If you have a five hundred

1162
01:28:56.560 --> 01:29:04.479
all deductible and you use it for
a thousand dollars claim literally or twelve hundred

1163
01:29:04.520 --> 01:29:09.119
dollars claim, do they say,
well, it's not that much, we

1164
01:29:09.159 --> 01:29:11.920
don't mind, or do they think
this guy's a pain in the ass.

1165
01:29:12.000 --> 01:29:15.680
I really need to know does it
count against them the same as a big

1166
01:29:15.720 --> 01:29:21.039
claim? So for your current carrier
that renews. The state doesn't allow the

1167
01:29:21.039 --> 01:29:27.359
insurance commissioner doesn't allow them to surcharge
for a loss less than one thousand dollars.

1168
01:29:27.760 --> 01:29:30.680
But if you go to a new
carrier and you have a five hundred

1169
01:29:30.680 --> 01:29:34.199
dollars claim, they absolutely can charge
you, and they'll charge you for it.

1170
01:29:34.279 --> 01:29:38.439
Now, But what I want to
know is this, can they not

1171
01:29:38.600 --> 01:29:43.560
renew you for little claims? Well? Yeah, you can get non renewed

1172
01:29:43.600 --> 01:29:46.960
for really almost anything because it's their
choice. At renewal, they're basically offering

1173
01:29:47.000 --> 01:29:54.640
you a new policy at renewal.
Okay, now, okay, here's the

1174
01:29:54.760 --> 01:30:00.159
question though, if you had two
small claims or two big claims, does

1175
01:30:00.199 --> 01:30:04.279
it make a difference. Yes,
it does. It does make a difference

1176
01:30:04.279 --> 01:30:08.399
if it's under a thousand dollars claim. Now if it's over one thousand,

1177
01:30:08.439 --> 01:30:11.720
it doesn't matter. It's the same
as if you were, you know,

1178
01:30:11.840 --> 01:30:14.800
you had a one hundred thousand dollars
claim versus a five thousand dollars claim.

1179
01:30:14.840 --> 01:30:17.000
You're charged the same. The only
reason I would hesitate on that is if

1180
01:30:17.079 --> 01:30:23.560
you're trying to get underwriter approval,
you're getting like the system is saying you

1181
01:30:23.680 --> 01:30:28.600
need to talk to an underwriter.
An underwriter, an actual person will differentiate

1182
01:30:28.720 --> 01:30:31.399
between the two. But you know, just the quick black box that it

1183
01:30:31.399 --> 01:30:35.159
gives you a rate, it doesn't
differentiate you. You're being charged for that

1184
01:30:35.279 --> 01:30:40.159
smaller claim like you would a large
claim. Until when what does what does

1185
01:30:40.239 --> 01:30:44.319
count to the number? For one
thousand is where you're going to see all

1186
01:30:44.319 --> 01:30:49.119
insurance companies charging you for it?
Okay, And and they charge you the

1187
01:30:49.159 --> 01:30:55.520
same if it's a thousand dollars claim
or if you get twelve hundred dollars claim

1188
01:30:55.960 --> 01:31:00.319
or a one hundred thousand dollars claim. Yeah, other than if you're with

1189
01:31:00.359 --> 01:31:02.319
an underwriter, a natural person that
you're trying to get an exception for the

1190
01:31:02.359 --> 01:31:06.560
account, which we do. You
know, sometimes the system will say no,

1191
01:31:06.960 --> 01:31:11.239
we won't approve this, but you
need to talk to underwriting. And

1192
01:31:11.279 --> 01:31:14.520
then when you talk to underwriting,
they'll look at the accounts and then and

1193
01:31:14.640 --> 01:31:18.560
they would differentiate. A person would
differentiate between the two. Okay, if

1194
01:31:18.640 --> 01:31:23.479
you if you go to underwriting,
yeah, but you'd have to have a

1195
01:31:23.479 --> 01:31:26.680
broker that does that for you,
right, yes, yes, if you're

1196
01:31:26.720 --> 01:31:30.359
going on to Tycho or one of
those, it's it's black box. If

1197
01:31:30.399 --> 01:31:32.039
you're getting the rate and it's either
going to accept it or not, or

1198
01:31:32.119 --> 01:31:36.279
charge you or not. There's no
discussion. Okay, man, this is

1199
01:31:36.479 --> 01:31:42.520
really good stuff. So you need
a broker who can actually talk to underwriting

1200
01:31:42.560 --> 01:31:48.920
for special circumstances. Is that what
you're saying? Absolutely? And even more

1201
01:31:49.000 --> 01:31:54.960
so on the homes because they will. You know, there's gray areas where

1202
01:31:55.000 --> 01:31:57.359
you can talk to underwriting and you
can. You know, I can't tell

1203
01:31:57.359 --> 01:32:00.600
you how many times I've discussed waterlow
us as an explain Hey, this is

1204
01:32:00.640 --> 01:32:03.640
what happened, and they replace this
hose and this has all been cleaned up,

1205
01:32:03.640 --> 01:32:06.720
and I've gotten exceptions to be able
to write accounts that would have been

1206
01:32:06.920 --> 01:32:13.680
it would have been a decline right
away. Man. That's incredible. Okay,

1207
01:32:15.039 --> 01:32:17.159
I'm telling you, I love this
information. I appreciate it. Brian

1208
01:32:17.439 --> 01:32:25.560
at Compass Insurance three oh three nine
ninety six nine thousand go with a sure

1209
01:32:25.640 --> 01:32:30.199
thing Denver's best Rufer excel roofing dot
com. You don't pay a cent until

1210
01:32:30.199 --> 01:32:38.359
you're content. Time for an insurance
checkup free no obligation. Comparison call Compass

1211
01:32:38.359 --> 01:32:43.039
Insurance paying too much your coverage at
dozens of insurance companies find out Now three

1212
01:32:43.119 --> 01:32:45.920
all three seven seven to one.
Help You'll think you're his only customer when

1213
01:32:45.960 --> 01:32:49.680
you choose Frank durand the real estate
man dot com to list your home with

1214
01:32:49.800 --> 01:32:58.399
Remax Alliance three all three nine two
zero sixteen twenty two. Hi Tom,

1215
01:32:58.439 --> 01:33:02.000
watching A you're a troubleshooter three three
seven one three talk seven one three eight

1216
01:33:02.039 --> 01:33:06.199
two five five man, we are
busy. We are going to UH after

1217
01:33:06.239 --> 01:33:09.640
the first after the hour, I
mean the top of the hour, we're

1218
01:33:09.640 --> 01:33:13.680
going to go to more on the
dating scam because I had to put that

1219
01:33:13.760 --> 01:33:15.119
on hold for a minute because I
want to help people who've been waiting.

1220
01:33:15.680 --> 01:33:19.119
Robert still has that original problem.
We're trying to solve that on what you

1221
01:33:19.199 --> 01:33:21.880
do. But I don't think you
could do anything, Robert. If they're

1222
01:33:21.960 --> 01:33:25.960
questioning the claim, that doesn't mean
they're going to turn it down. Are

1223
01:33:26.000 --> 01:33:29.159
you there, Robert, let me
get through you real quick. So the

1224
01:33:29.279 --> 01:33:33.119
reason you called wasn't because of the
non renewal. You called because they're questioning

1225
01:33:33.159 --> 01:33:40.439
the second claim. Are why are
they questioning Robert? Why are they I

1226
01:33:40.479 --> 01:33:44.479
don't know, but they're they're the
car's done and I'm paying out of pocket

1227
01:33:44.560 --> 01:33:48.920
for reimbursement. And I've already run
out of the thirty days on each one

1228
01:33:48.960 --> 01:33:50.960
of those claims, even if they're
going to put it on that I spent

1229
01:33:51.000 --> 01:33:55.520
twenty four hundred dollars on a rental
car and my car's done and they're still

1230
01:33:55.560 --> 01:33:58.640
driving. Wait a minute, what
are they questioning? Are they questioning the

1231
01:33:58.680 --> 01:34:03.800
rental car or are they questioning they
repair the repairs? I guess they haven't

1232
01:34:03.840 --> 01:34:09.439
paid. How much is that second
claim? How much is the second claim?

1233
01:34:10.640 --> 01:34:13.039
I don't know, but they still
haven't paid them, so I can't

1234
01:34:13.039 --> 01:34:15.119
get my car back. And I'm
like, no, I get it,

1235
01:34:15.119 --> 01:34:18.039
bro, I get it, I
get it. Why are they You need

1236
01:34:18.079 --> 01:34:25.720
to talk to your agent? Why
are they questioning the claim? It's right

1237
01:34:25.720 --> 01:34:28.720
now. It's the body shop is
telling me. They're they're giving them a

1238
01:34:28.760 --> 01:34:32.079
hard time. It's not me.
Why did you do you have who's your

1239
01:34:32.079 --> 01:34:36.119
insurance or that? Not the one
now, but the one handling those claims,

1240
01:34:38.359 --> 01:34:41.880
temper insurance. They won't. Every
time I call them, they just

1241
01:34:42.159 --> 01:34:45.239
yeah, and they just keep on. Do you have an agent? Do

1242
01:34:45.319 --> 01:34:49.640
you have an agent? They keep
ponding me up to different agents every time,

1243
01:34:49.680 --> 01:34:51.920
a different adjustment. All right,
I'm going to give this to somebody

1244
01:34:51.960 --> 01:34:55.800
to call and find out. We
need to find out why they're questioning the

1245
01:34:55.840 --> 01:34:58.840
claim. So who's in the studio
we got, Chopper, Can you take

1246
01:34:59.319 --> 01:35:02.960
a stab at this one? Let's
do sure you hold on, I'm going

1247
01:35:03.000 --> 01:35:06.239
to give it to somebody to start
making some calls to see if we can

1248
01:35:06.239 --> 01:35:11.199
find out why. Look, I
can't do magic, but we'll find out

1249
01:35:11.279 --> 01:35:15.640
why they are doing this. I
mean, I have no idea why they

1250
01:35:15.640 --> 01:35:19.960
are questioning a claim, so sorry
about that, but I'm telling you,

1251
01:35:20.039 --> 01:35:25.119
man, it's going to be that. Once they question a claim, it's

1252
01:35:25.159 --> 01:35:27.960
a pain in the ass. Hold
on now, I want to go to

1253
01:35:29.039 --> 01:35:31.920
uh, David, David, go
ahead, what's just going on with you?

1254
01:35:32.000 --> 01:35:39.079
David? Yes, I remember in
the past you had mentioned that you

1255
01:35:39.119 --> 01:35:43.479
had given someone permission to use like
a drive. I don't know, Wendy's,

1256
01:35:43.560 --> 01:35:45.840
chick FLI whatever it was. Oh, I remember it was eminent domain.

1257
01:35:45.920 --> 01:35:47.920
Here. Let me let me explain
that to you and then you can

1258
01:35:47.920 --> 01:35:55.079
give me your problem. I had
some commercial property and Wendy's mistakingly built their

1259
01:35:55.199 --> 01:36:00.680
drive through encroaching on my property.
And it was like, uh, I

1260
01:36:00.800 --> 01:36:05.239
noticed it when I was getting ready
to sell my commercial property as a tall

1261
01:36:06.520 --> 01:36:09.920
Oh it was, that's right,
Mark, it was taco Bill. You're

1262
01:36:10.000 --> 01:36:15.680
right, you're right. So I
decided, in order to keep them from

1263
01:36:15.840 --> 01:36:24.399
claiming it as their own, I
wrote an agreement letting I sent them permission

1264
01:36:24.439 --> 01:36:30.159
saying your land is encroaching on my
property at such and such, and I

1265
01:36:30.239 --> 01:36:35.479
sent the survey and I said,
I hereby give you permission, a revocable

1266
01:36:35.520 --> 01:36:40.520
permission or something like that. So
what that did? Let me just explain

1267
01:36:40.600 --> 01:36:44.159
why I did that. And I
thought it was ingenious. But because if

1268
01:36:44.199 --> 01:36:48.920
you have an obvious encroachment on your
property and you do nothing about it,

1269
01:36:48.920 --> 01:36:54.399
it's called a what is it called
adverse possession, and they can claim ownership

1270
01:36:54.399 --> 01:36:58.119
of it in a certain amount of
time. So I just cut that off.

1271
01:36:58.159 --> 01:37:01.119
They can never claim ownership, and
I can even revoke permission at any

1272
01:37:01.159 --> 01:37:04.880
time. You know. Their attorney
even joked and said, damn it,

1273
01:37:05.000 --> 01:37:09.359
you shouldn't given us permission, you
know, I mean, so it was,

1274
01:37:09.479 --> 01:37:12.520
uh, it was fun. What
is your so what about you?

1275
01:37:14.159 --> 01:37:17.520
Yeah, And that's why I had
mentioned that. And it's called I guess

1276
01:37:17.560 --> 01:37:23.039
adverse possession as opposed to is it
happening to you, Well, no,

1277
01:37:23.199 --> 01:37:26.600
I just I just I I've got
to get out to a property that I

1278
01:37:26.720 --> 01:37:30.680
purchased last August, and I was
just thinking, boy, I haven't been

1279
01:37:30.720 --> 01:37:35.319
there in seven months. What's what
if there's like a squatter or something seven

1280
01:37:35.399 --> 01:37:42.640
months It would have to go on
for years to be adverse possession. But

1281
01:37:42.840 --> 01:37:45.640
you should go out here visit your
property, right, I've got to get

1282
01:37:45.640 --> 01:37:49.640
out there. I just uh right, it's it's just a long dirt road.

1283
01:37:49.760 --> 01:37:53.880
I was gonna move out there,
but I'm having second thoughts. We'll

1284
01:37:53.920 --> 01:37:56.239
see. But anyway, yeah,
that was all things. So it's it's

1285
01:37:56.319 --> 01:37:59.359
it would take. And by the
way, it's not eminent domain. There's

1286
01:37:59.359 --> 01:38:02.319
two different things. You're talking about. Eminent domain. You can't give permission

1287
01:38:02.319 --> 01:38:09.159
and all of a sudden control the
situation. That's about adverse possession. As

1288
01:38:09.199 --> 01:38:14.000
far as eminent domain, you basically
can't do anything about eminent domain. You

1289
01:38:14.039 --> 01:38:17.199
go to the court and the judge
has to rule if it's in the public

1290
01:38:17.279 --> 01:38:24.119
interest to take your land, and
that's only a government entity or a bonding

1291
01:38:24.199 --> 01:38:29.399
district or someone. Even if it's
a private commercial business, it goes through

1292
01:38:29.399 --> 01:38:33.319
the government because they think it there's
a need for it. Okay, I

1293
01:38:33.359 --> 01:38:38.359
was mistaken, so anyway, And
the main thing is that you would have

1294
01:38:38.439 --> 01:38:43.600
to take quite a while before that
could happen someone that's exact. That's right,

1295
01:38:43.680 --> 01:38:45.279
that's right, So you don't have
to worry about it so much.

1296
01:38:45.359 --> 01:38:47.439
All right, thank you for calling
three all three, seven, one,

1297
01:38:47.479 --> 01:38:51.880
three h or five? I real
quick? So, uh, we have

1298
01:38:53.000 --> 01:38:57.800
a josh uh suing for? What
is Josh? What do you want to

1299
01:38:57.840 --> 01:39:00.399
sue for? Well, you guys, a while ago, I was the

1300
01:39:00.439 --> 01:39:03.960
one with the Samsung refrigerator that they
gave me a coupon that you can't use.

1301
01:39:05.159 --> 01:39:09.399
Wait, wait, why couldn't you? I forget why couldn't you use

1302
01:39:09.399 --> 01:39:12.600
that coupon? I'm trying to look
up your original call. You have giving

1303
01:39:12.640 --> 01:39:15.640
me errors and then they'd say they
don't deliver to my area. And I

1304
01:39:15.680 --> 01:39:19.600
probably spent about twenty hours on the
phone with them. But I haven't bought

1305
01:39:19.640 --> 01:39:25.640
a new refrigerator yet. My question
is can I sue them for the sort

1306
01:39:25.680 --> 01:39:30.239
of perceived value of the coupon or
do I actually have to buy something and

1307
01:39:30.279 --> 01:39:34.720
have the law. Well, here's
the point. If you have a loss,

1308
01:39:35.199 --> 01:39:41.560
it is the loss a result of
what you had a warranty on the

1309
01:39:41.640 --> 01:39:45.199
Samsung. Is that right? Well, there are class action lawsuits against the

1310
01:39:45.199 --> 01:39:49.640
icemaking, But yours was eight years
old, right a Samsung? Okay?

1311
01:39:50.279 --> 01:39:58.560
And the ice maker was irreparable.
So therefore they sent you a fifty percent

1312
01:39:58.600 --> 01:40:02.199
off coupon. And I figure an
eight year old refrigerator that's not so bad,

1313
01:40:02.680 --> 01:40:08.920
right then, So what's wrong with
fifty percent off? Nothing? But

1314
01:40:09.000 --> 01:40:11.960
you can't use the coupon. Nobody
can figure out how to get it to

1315
01:40:12.000 --> 01:40:15.520
work. When you go to a
store, they don't know what to do

1316
01:40:15.560 --> 01:40:18.920
with it. You have to do
it on Samsung's website directly. And when

1317
01:40:19.000 --> 01:40:24.720
you go to Samsung's website, what
happens when you try to use it when

1318
01:40:24.760 --> 01:40:27.960
you put the coupon code in,
it's his coupon code not valid. Did

1319
01:40:28.000 --> 01:40:31.079
you call them and tell them that
I probably have over twenty hours on the

1320
01:40:31.079 --> 01:40:34.800
phone with them and they can't solve
it. I okay. I would sue

1321
01:40:34.840 --> 01:40:40.079
them for the value of that coupon
for breach of contract. Mark knows how

1322
01:40:40.079 --> 01:40:42.600
to do that, and he's not
going to give you legal advice, but

1323
01:40:42.640 --> 01:40:45.720
he can tell you how to do
it because they they already acknowledge you get

1324
01:40:45.760 --> 01:40:49.720
that coupon. You have the coupon, But do I have to buy a

1325
01:40:49.760 --> 01:40:54.680
fridge first that experienced the loss?
Or Mark? What do you think,

1326
01:40:54.800 --> 01:40:58.520
Mark? I'd have to hear it
again, say it again. Here's the

1327
01:40:58.520 --> 01:41:01.079
bottom line he had. I had
a bad refrigerator. They couldn't repair it.

1328
01:41:01.119 --> 01:41:04.720
They gave him a brand. They
said, you can have fifty percent

1329
01:41:04.760 --> 01:41:09.960
off a new one. They gave
him a coupon. The coupon can't be

1330
01:41:10.039 --> 01:41:12.840
used. When he puts the number
in, they say it's bad. And

1331
01:41:12.880 --> 01:41:16.000
then every time he calls him,
he gets someone else. So basically that

1332
01:41:16.119 --> 01:41:21.640
fifty coupon is worth nothing. The
question is Kenny sue on the coupon himself

1333
01:41:21.680 --> 01:41:25.640
in small claims if you were going
to do that. We're only talking about

1334
01:41:25.680 --> 01:41:28.399
what you would do. You're not
giving him legal advice. Or do you

1335
01:41:28.520 --> 01:41:30.880
have to wait till you buy a
refrigerator and experience the loss? What do

1336
01:41:30.920 --> 01:41:34.960
you think? No, I'd go
after the coupon. I just say spreech

1337
01:41:35.000 --> 01:41:39.079
of contract, me too, and
that's all I would say. I wouldn't

1338
01:41:39.119 --> 01:41:43.279
say anything beyond that in the UH
form, that's all. That's all you

1339
01:41:43.319 --> 01:41:45.880
say. Don't get into the wheeze
I'm Tom Martinez. We have to take

1340
01:41:45.920 --> 01:41:54.319
this break go with a sure thing
Denver's best roofer Excel Roofing dot com.

1341
01:41:54.359 --> 01:42:00.479
You don't pay a cent until you're
content. Time for an insurance checkup free,

1342
01:42:00.560 --> 01:42:05.039
no obligation. In comparison, call
Compass Insurance paying too much your coverage

1343
01:42:05.079 --> 01:42:09.760
at dozens of insurance companies find out
now three all three seven to seven to

1344
01:42:09.800 --> 01:42:13.560
one help. You'll think you're his
only customer when you choose Frank durand the

1345
01:42:13.560 --> 01:42:17.079
real estate Man dot com to list
your home with Remax Alliance three all three

1346
01:42:17.199 --> 01:42:24.359
nine two zero sixteen twenty two and
I'm Tom Martino and Hannah Davis's with us

1347
01:42:24.359 --> 01:42:28.159
from fix at twenty four to seven. In addition to having this clean furnace,

1348
01:42:28.199 --> 01:42:30.920
talk about the efficiency, Well,
this is the AC. We're finally

1349
01:42:31.000 --> 01:42:33.680
getting out of the winter months right
and people are so excited. So we're

1350
01:42:33.680 --> 01:42:36.880
doing this deep clean for the AC
prevents breakdowns. But this is the big

1351
01:42:36.920 --> 01:42:41.840
deal. It also saves you money
during the summer heat. You know,

1352
01:42:41.960 --> 01:42:45.319
they said they can estimate and they
just gone back and tracked up to thirty

1353
01:42:45.520 --> 01:42:49.960
percent just to clean it and get
it running right. And that's for a

1354
01:42:50.119 --> 01:42:54.760
normal usage. So if you've got
I think, what was it like an

1355
01:42:54.800 --> 01:42:58.800
eighth of an inch of debris on
there? And we've seen much much more

1356
01:43:00.039 --> 01:43:02.840
an increase in efficiency, So think
about what that means for your system,

1357
01:43:03.039 --> 01:43:06.720
right pulling your home, but also
your finances during the summer. So you're

1358
01:43:06.720 --> 01:43:10.600
gonna think about this. You save
that you can save. I don't know

1359
01:43:10.600 --> 01:43:13.520
if you save thirty percent on the
bill, but thirty percent more efficiency.

1360
01:43:13.880 --> 01:43:16.399
And then on top of that,
you're getting it for twenty four dollars and

1361
01:43:16.439 --> 01:43:19.880
seven cents. And they're honest to
god, you can't do better. Okay,

1362
01:43:20.079 --> 01:43:23.880
they just want to show you what
they can do for new customers so

1363
01:43:23.920 --> 01:43:26.399
you'll come back to them. That's
all they want, and it's a great

1364
01:43:26.399 --> 01:43:30.479
deal. Fix my home dot com
Fix my home dot com more coming up.

1365
01:43:33.680 --> 01:43:38.720
Go with a sure thing Denver's Best
roofer Excel Roofing dot Com. You

1366
01:43:38.760 --> 01:43:45.800
don't pay a cent until you're content. Time for an insurance check up free,

1367
01:43:45.880 --> 01:43:49.399
no obligation. In comparison, call
compass insurance paying too much your coverage

1368
01:43:49.399 --> 01:43:54.079
at dozens of insurance companies find out
now three oh three, seven seven to

1369
01:43:54.119 --> 01:43:57.880
one help. You'll think you're his
only customer when you choose Frank durand the

1370
01:43:57.920 --> 01:44:01.399
real estate man dot com to list
your home with Remax Alliance three all three

1371
01:44:01.520 --> 01:44:13.680
nine two zero sixteen twenty two.
Yeah, ripped off bad news. Need

1372
01:44:13.760 --> 01:44:20.479
advice so you don't have a camerouning
Just as fast as we can show Shooter's

1373
01:44:20.560 --> 01:44:28.079
gonna help. Come man, this
is the Troubleshooter Show. No, Tom

1374
01:44:28.119 --> 01:44:30.399
Martinez. Hey, I'm Tom.
Welcome to the show. Three all three

1375
01:44:30.520 --> 01:44:33.720
seven one three talks seven one three
eight two five five. Don't forget waterpros

1376
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1377
01:44:38.960 --> 01:44:42.640
guys are the best ever. And
I'm just gonna say this. They there's

1378
01:44:42.720 --> 01:44:46.680
no way anyone can touch their prices
or their technology. The water will be

1379
01:44:46.720 --> 01:44:50.680
good for your plumbing, both your
plumbing and your house filming. Be good

1380
01:44:50.720 --> 01:44:56.880
for your nutritional value. Seriously,
get rid of nanoplastics, forever chemicals,

1381
01:44:56.920 --> 01:45:00.239
all at crap. If you're looking
at organic food and then you drink regular

1382
01:45:00.279 --> 01:45:03.720
water, you're crazy. Waterpros dot
Net three oh three eight six two five

1383
01:45:03.760 --> 01:45:09.960
five five four. Let's let's talk. We're going to get our date guy

1384
01:45:10.079 --> 01:45:13.720
on. But I want to talk
to Rich. Rich called yesterday and said,

1385
01:45:13.720 --> 01:45:15.960
you got to see this movie Tom, and you didn't tell me.

1386
01:45:16.000 --> 01:45:20.159
It starred Jason Jason Tatum. I
love this guy a statum, I mean

1387
01:45:20.359 --> 01:45:27.920
statum and I had to pay five
ninety nine worth every penny on Amazon.

1388
01:45:29.199 --> 01:45:31.920
I love that movie. Holy crap, Rich, did you think of me

1389
01:45:32.000 --> 01:45:34.840
when you saw that guy? Thinking
I think Tom could do that? Did

1390
01:45:34.880 --> 01:45:39.680
you think, Yeah, that's exactly
what I thought. I was so happy

1391
01:45:39.720 --> 01:45:44.239
when Suzanne I called Suzanne for something
else for a phone number, and I

1392
01:45:44.279 --> 01:45:45.720
said, hey, I said something
about the Beekeeper with Tom. I called

1393
01:45:45.800 --> 01:45:48.359
yesterday. She says, oh,
yeah, he was talking about this morning

1394
01:45:48.359 --> 01:45:51.039
and he group texts you guys,
you know to watch it. And I

1395
01:45:51.119 --> 01:45:54.640
was so you made my day that
you really did go home and watch it.

1396
01:45:54.680 --> 01:45:58.359
Oh, I sure as held the
people. I love. Hey,

1397
01:45:58.479 --> 01:46:00.920
you know what I love. I
love movies like that. Now, there

1398
01:46:00.960 --> 01:46:05.560
was one other one about public trustees
and I'm trying to think of the name

1399
01:46:05.560 --> 01:46:09.159
of the movie, but you ought
to watch it if you like those kinds

1400
01:46:09.199 --> 01:46:15.680
of movies. It's about some Oh, hey nurse who's in the uh she

1401
01:46:15.840 --> 01:46:24.279
ran a nursing home and she's the
one that took advantage. I don't remember,

1402
01:46:24.359 --> 01:46:30.479
man, it's damn you know who
it starred. Who's that guy from

1403
01:46:30.760 --> 01:46:38.880
Get Me? I'm sorry. I'm
sorry that I haven't mixed myself in I

1404
01:46:38.960 --> 01:46:43.640
swear to god, twenty years I
have. That isn't that hasn't happened in

1405
01:46:43.720 --> 01:46:47.119
twenty years. He was in Game
of Thrones. Come on, man,

1406
01:46:48.960 --> 01:46:53.920
I don't know anybody know who you're
talking about. Yeah, that guy,

1407
01:46:54.239 --> 01:47:01.399
he is awesome and he was in
this movie about about public administer straders and

1408
01:47:01.560 --> 01:47:09.760
it was just incredible. His name
is Peter Dinklage. Oh okay, and

1409
01:47:09.840 --> 01:47:13.439
Peter Dingta was it? I care
a lot? Was that the name of

1410
01:47:13.479 --> 01:47:16.479
the movie? Oh my gosh,
how'd you know that? Because I knew

1411
01:47:16.720 --> 01:47:23.119
that Rosalind Pike started it, So
I just googled Rosalin Pike and it came

1412
01:47:23.199 --> 01:47:26.560
up with I care a lot.
Oh my god, it's that. It's

1413
01:47:26.640 --> 01:47:30.199
such a good movie. I care
a lot. Thank you? And uh

1414
01:47:30.439 --> 01:47:33.680
so, anyway, thank you though
for letting a snow rich keep an eye

1415
01:47:33.720 --> 01:47:38.199
out for just snewer movies. Yeah, yeah, no problem, Tom.

1416
01:47:38.239 --> 01:47:42.239
Anytime you and Mark doc's a little
old, I think, but you and

1417
01:47:42.279 --> 01:47:45.279
Mark go out and posse you up
and take someone on like that. I'd

1418
01:47:45.279 --> 01:47:46.479
love to do it. Well,
listen, man, No, no,

1419
01:47:46.600 --> 01:47:51.760
we're always looking I'm serious. We're
always looking for good, good deputies.

1420
01:47:51.800 --> 01:47:55.960
I swear to you. So Susan
will talk to you off here. Sus

1421
01:47:56.000 --> 01:48:00.720
talked to Rich Smith. I'd love
to have you with people as part of

1422
01:48:00.760 --> 01:48:02.239
the team. I appreciate it,
all right, man, So hold on,

1423
01:48:02.520 --> 01:48:06.199
Sue's talk to Rich. And by
the way, my YouTube morons by

1424
01:48:06.439 --> 01:48:14.039
by proxy would be deputies, but
they're they're they have to work on YouTube.

1425
01:48:14.439 --> 01:48:17.840
We ask how we communicate. How's
that? Okay? And I noticed

1426
01:48:17.840 --> 01:48:21.840
some people on on YouTube I haven't
seen before. But thank you for being

1427
01:48:21.840 --> 01:48:28.359
here. And uh, let's go
to uh Jerry, Jerry, what's going

1428
01:48:28.399 --> 01:48:30.880
on with you? Jerry? Yeah, I'm just curious. I'm having a

1429
01:48:30.920 --> 01:48:33.800
new deck put on the back.
Yes, and I just wonder if you've

1430
01:48:33.800 --> 01:48:38.920
heard of grand View, deck and
Patio. Now did you hire them first

1431
01:48:38.960 --> 01:48:43.079
and now you're inquiring about them?
No? I just got from them.

1432
01:48:43.119 --> 01:48:46.920
Oh good, good, smart move. And uh tell me about them?

1433
01:48:47.159 --> 01:48:53.119
What they're called? Grand View?
Yeah, deck and Patio. Okay,

1434
01:48:54.079 --> 01:48:58.560
did you do all the normal checks
not cheat? No? I don't know

1435
01:48:58.600 --> 01:49:01.000
what else to check, Well,
well, did you check online for reviews?

1436
01:49:01.039 --> 01:49:06.239
Now? Reviews can be faked,
but it's worth a look if you

1437
01:49:06.239 --> 01:49:10.680
didn't do it, did you do
it at all? No? I haven't.

1438
01:49:10.920 --> 01:49:14.039
Okay, that's one way to do
it. That's not the only one.

1439
01:49:14.239 --> 01:49:20.000
You should ask them for absolutely,
ask them for references, and then

1440
01:49:20.039 --> 01:49:29.039
you need to check references. I'm
serious. You can't just depend on what

1441
01:49:29.199 --> 01:49:32.199
they say. A lot of people. Here's what's funny, they give references,

1442
01:49:32.760 --> 01:49:39.800
but they don't they don't. People
don't check the references. Grand view

1443
01:49:40.000 --> 01:49:45.000
deck and patio on Yelp is pretty
dependable. But still they can be faked.

1444
01:49:45.039 --> 01:49:49.680
And the way you know that is
you go down the reviews and if

1445
01:49:49.720 --> 01:49:55.159
there are a bunch of bad reviews
and then really good reviews, you got

1446
01:49:55.199 --> 01:49:58.880
a problem. You got but this
one is not like that. This one

1447
01:49:59.119 --> 01:50:03.279
it looks like they're pretty damn good
as far as most of them and only

1448
01:50:03.359 --> 01:50:08.720
a few bad ones. That would
be a sign that it's real. And

1449
01:50:08.800 --> 01:50:13.760
you look at the areas that comes
from. But I would ask for references

1450
01:50:14.199 --> 01:50:18.760
and then where they get their supplies
and literally call the place the suppliers sometimes

1451
01:50:18.800 --> 01:50:21.560
and say I need to know if
this is a good company to deal with.

1452
01:50:21.600 --> 01:50:26.119
How long have you known them?
I'm just doing due diligence. People

1453
01:50:26.199 --> 01:50:30.000
love giving information like that, but
definitely check references. Now, tell me

1454
01:50:30.039 --> 01:50:33.239
about the bid. Tell me about
it and how much deck and how much

1455
01:50:33.319 --> 01:50:36.600
is it? Well, it's going
to be a composite. It's ten by

1456
01:50:36.680 --> 01:50:42.840
eighteen. It's about at the house, it's about two foot off the ground

1457
01:50:43.279 --> 01:50:48.239
and out to ten feet it's about
three foot ten by eighteen deck replacing the

1458
01:50:48.239 --> 01:50:55.199
one I have. And okay,
so ten ten by eighteen. And does

1459
01:50:55.199 --> 01:51:00.439
it have how many staircases? It'll
be just one and then probably three steps

1460
01:51:00.439 --> 01:51:04.680
going down. Okay, And what
about the railing normal railing. Yeah,

1461
01:51:04.760 --> 01:51:08.399
we haven't talked about that yet.
It's going to be a luminium set of

1462
01:51:08.479 --> 01:51:14.239
used in composite. The railings,
the railings, and what kind of composite

1463
01:51:14.279 --> 01:51:17.359
are you using for the decking?
A camera what he called it is supposed

1464
01:51:17.359 --> 01:51:23.159
to be something that it doesn't stay. It's coated with something. It's not

1465
01:51:23.159 --> 01:51:29.479
supposed to fade. And there's no
screws ran the because it they lag it

1466
01:51:29.520 --> 01:51:31.600
in in the side somehow they set
it locked together that way. Oh,

1467
01:51:31.640 --> 01:51:35.079
get the name of it and look
it up. Really, Okay, the

1468
01:51:35.079 --> 01:51:39.560
internet's a wonderful thing for research.
But how much is he saying? It

1469
01:51:39.640 --> 01:51:46.520
is about twenty one Okay, so
twenty one thousand, right, and you

1470
01:51:46.720 --> 01:51:53.319
have basically one hundred and eighty square
feet, right, not a big deck,

1471
01:51:54.199 --> 01:51:56.640
and that's one hundred and sixteen dollars
a foot. Now, I'm just

1472
01:51:56.720 --> 01:52:00.439
going to tell you on first blush, Now it is composite all that on

1473
01:52:00.600 --> 01:52:03.279
first blush because it's two feet off
the ground, so you don't have a

1474
01:52:03.279 --> 01:52:09.800
lot of support problems there. First
blush just sounds pretty proud, you know.

1475
01:52:10.279 --> 01:52:13.600
I'm not saying it's a bad,
bad but you got to check them

1476
01:52:13.600 --> 01:52:17.880
out, okay. And and i'd
like I'd like to get the name of

1477
01:52:17.880 --> 01:52:21.840
that composite. That would be good. And then if you want to call

1478
01:52:21.880 --> 01:52:30.600
you said pergolast Is that a composite. It's called Pergolastre the p E r

1479
01:52:30.800 --> 01:52:34.479
j O l A s now.
I don't know if that's the thingiel or

1480
01:52:35.960 --> 01:52:41.520
you're not sure because I have a
composite deck, but it's seventeen years old.

1481
01:52:42.560 --> 01:52:46.439
It's pergo loss p E r g
O l A s Is that what

1482
01:52:46.479 --> 01:52:51.279
you're saying, yeah, but is
that composit that's a decking, that's a

1483
01:52:51.319 --> 01:53:00.159
decking material, pergoloss. That's probably
what he talked about. Then, okay,

1484
01:53:00.279 --> 01:53:01.880
you need to look let's see,
you need to look it up.

1485
01:53:02.119 --> 01:53:08.760
It's it's I'm looking at it right
now. I gotta I need to know

1486
01:53:08.840 --> 01:53:13.119
more about it. But supposedly,
you know, it's getting a lot of

1487
01:53:13.159 --> 01:53:16.359
people believe in this, but any
you know, a composite doesn't automatically mean

1488
01:53:17.239 --> 01:53:21.319
no maintenance. Some of it gets
destroyed. A lot of people put composites

1489
01:53:21.359 --> 01:53:25.960
in they thought were wonderful and turn
out to be crap. But I'm gonna

1490
01:53:25.960 --> 01:53:30.319
look at pergolos. That's what you're
calling it, right, Yeah, And

1491
01:53:30.520 --> 01:53:33.439
I'll look at that and let you
know what I find during the break.

1492
01:53:33.640 --> 01:53:36.319
Here's what I want you to do, though, I want you to uh.

1493
01:53:36.680 --> 01:53:41.640
I want to check with somebody who
do I check with decks? You

1494
01:53:41.720 --> 01:53:45.279
know what, Genesis Total Exteriors.
I want to try. I want to

1495
01:53:45.279 --> 01:53:47.399
try to get them on, sus
Do you think we can get Mark on

1496
01:53:47.439 --> 01:53:50.920
real quick? I'll text him right
quick. Let's try to get Mark on

1497
01:53:51.000 --> 01:53:56.359
real quick. Okay, thanks,
Jerry hold On, Tony what's going on

1498
01:53:56.399 --> 01:54:04.560
with you? Tony? You know
we had a Disney subscription through Comcast for

1499
01:54:04.680 --> 01:54:10.439
one year. Yeah. Uh,
I got noticed that it was renewing.

1500
01:54:10.680 --> 01:54:18.000
I called I canceled it. I
have an email from Comcast saying it's canceled

1501
01:54:20.079 --> 01:54:24.119
after a month. I didn't get
a refund. I called Comcasts. They

1502
01:54:24.159 --> 01:54:27.399
said, now, what do you
mean a refund? Did they take out

1503
01:54:27.439 --> 01:54:30.359
for the year or something? Yeah, you're paying advance for the year.

1504
01:54:31.239 --> 01:54:35.079
Oh really, so you how much
did they? Did you cancel before it

1505
01:54:35.159 --> 01:54:44.720
renewed? Uh? With If not
before it renewed within a week or so

1506
01:54:44.840 --> 01:54:47.199
of its renewal date. As soon
as I knew it was renewing that day,

1507
01:54:47.279 --> 01:54:49.560
I got an I get it.
I know, I get it.

1508
01:54:49.600 --> 01:54:56.039
Is this through direct TV? No, it's through Comcast. Oh Comcast?

1509
01:54:56.239 --> 01:55:05.199
Did you Did you cancel with Comcasts
or direc with Disney? Well with Comcast,

1510
01:55:05.399 --> 01:55:12.399
we tried to cancel directly through Disney, but we were not able to

1511
01:55:12.680 --> 01:55:15.039
long story, bottom line, we
were not able to Okay, got it?

1512
01:55:15.079 --> 01:55:19.359
Were you given this as a was
this as an added value when you

1513
01:55:19.439 --> 01:55:26.720
got Comcast? No, We've had
Comcasts for decades. You know what I

1514
01:55:26.760 --> 01:55:30.000
mean is do you just added Disney
and then you wanted to remove it.

1515
01:55:31.760 --> 01:55:34.479
We yeah, we had it for
one year. We paid I get it,

1516
01:55:34.520 --> 01:55:39.720
I get it. Disney is really
good. I mean this happened to

1517
01:55:39.800 --> 01:55:43.199
me. Actually, I got Disney
for some Star Wars stuff my kids wanted,

1518
01:55:43.760 --> 01:55:45.319
and then they grew up. I
didn't want it anymore. They were

1519
01:55:45.359 --> 01:55:48.880
really easy at doing this. So
are you sure? I mean, you

1520
01:55:48.960 --> 01:55:53.760
don't have any online acts? You
got a log on there right to get

1521
01:55:53.800 --> 01:55:56.279
to it? Oh no, you
don't not with You don't do that with

1522
01:55:56.359 --> 01:56:00.000
comcasts, do you. It's automatic
access, isn't it. That's right.

1523
01:56:00.640 --> 01:56:03.239
You don't log on on that,
right, that's correct. You just s

1524
01:56:03.319 --> 01:56:09.239
it's through your Comcast television, so
there's no way to log on. You

1525
01:56:09.279 --> 01:56:15.600
do not if you go to Disney
Plus right now, can you create an

1526
01:56:15.600 --> 01:56:19.600
online profile? Because I'm sure if
you communicate with them directly, they're going

1527
01:56:19.680 --> 01:56:29.680
to do it. Well, here's
the problem. I've tried communicating directly with

1528
01:56:29.800 --> 01:56:33.439
Disney and with Comcasts. Yeah,
Comcast says, oh no, you got

1529
01:56:33.479 --> 01:56:39.680
to get your money back from Disney. Disney says, no, Comcast hit

1530
01:56:39.760 --> 01:56:45.159
took your money. You have to
get it back from Comcast. They're playing

1531
01:56:45.199 --> 01:56:48.359
off each other. So I get
exactly, I get exactly what you're saying.

1532
01:56:49.319 --> 01:56:53.560
I go back to Comcast. I
say, I want my money back.

1533
01:56:54.199 --> 01:56:58.319
Final warning. I'm sorry, sir, there's nothing we can do.

1534
01:56:58.560 --> 01:57:02.039
So I went to my credit card
company and I disputed one hundred and forty

1535
01:57:02.079 --> 01:57:09.520
dollars of the bill of the latest
Comcast bill. Comcast found out about that.

1536
01:57:10.319 --> 01:57:15.640
Not only did they charge me not
credit back my first month they I

1537
01:57:15.680 --> 01:57:19.760
mean my first year one hundred and
forty bucks. They charged me again,

1538
01:57:20.359 --> 01:57:25.279
and they charged a ten dollars late
fee. Wait a minute, I got

1539
01:57:25.439 --> 01:57:29.119
are you telling me? Wait a
minute? Are you telling me that they

1540
01:57:29.159 --> 01:57:36.079
reinstated the one forty and then added
an extra one forty They were, however,

1541
01:57:36.680 --> 01:57:41.800
go ahead. They never stopped the
first one forty. So when they

1542
01:57:41.920 --> 01:57:45.640
got noticed from the credit card company
that I was disputing it, they charged

1543
01:57:45.720 --> 01:57:51.439
me again because they know that they're
going to lose one hundred and forty dollars

1544
01:57:51.479 --> 01:57:57.000
from the credit card company. Yeah. But and what I want to know

1545
01:57:57.079 --> 01:58:00.239
is this the net effect is let
me know what the net effect is is

1546
01:58:00.279 --> 01:58:04.359
it? Are you are you now
paying two eighty or is it still one

1547
01:58:04.479 --> 01:58:10.479
forty? As of this very moment. I am paying too eighty plus the

1548
01:58:10.560 --> 01:58:15.760
late See, well that's ridiculous.
I mean, it's totally Do we have

1549
01:58:15.880 --> 01:58:18.520
someone sos that Comcast that can look
into this forum or not? Yeah,

1550
01:58:18.560 --> 01:58:28.239
I'm not sure. I can't stand
Yeah, Tom, So I got on

1551
01:58:28.279 --> 01:58:33.159
the phone again with Comcast. I
got a representative and I said, look,

1552
01:58:33.239 --> 01:58:38.079
blah blah blah blah blah blah.
The representative said, I see,

1553
01:58:38.439 --> 01:58:44.359
I understand. I agree. I'm
going to begin dispute resolution with you.

1554
01:58:45.079 --> 01:58:48.159
He did that. I that was
a week ago. I just got a

1555
01:58:48.239 --> 01:58:56.880
text from Comcast saying be patient,
We're still investigating your dispute resolution. Bottom

1556
01:58:56.960 --> 01:59:00.399
line is that I don't think I
I think I'm paying two hundred and ninety

1557
01:59:00.439 --> 01:59:06.800
dollars for nothing now, and I'm
not sure the credit card dispute is going

1558
01:59:06.840 --> 01:59:13.039
to be successful. All I think
of that I can do now is sue

1559
01:59:13.079 --> 01:59:17.079
them. But if I assume them, am I gonna Are they gonna almost

1560
01:59:17.079 --> 01:59:24.119
said a bad word? Are they
going to cancel me as a customer?

1561
01:59:25.279 --> 01:59:28.960
Well? They they I don't think
they will, but you know what you

1562
01:59:29.039 --> 01:59:31.680
should take in the small claims court
on this. They do have a location

1563
01:59:31.840 --> 01:59:34.640
here in an agent here. I
really would, I swear to God I

1564
01:59:34.640 --> 01:59:39.640
would. If you have proof you
canceled and they charge you twice, it's

1565
01:59:39.680 --> 01:59:45.000
it's egregious. So I would.
And there are there's a registered agent that

1566
01:59:45.079 --> 01:59:48.039
you can find on the Colorado Secretary
of State. You serve them, Yes,

1567
01:59:48.439 --> 01:59:53.600
as soon as you file that small
claim, I guarantee, well kind

1568
01:59:53.600 --> 01:59:56.840
of they're going to cave and just
send you the money or whatever. You

1569
01:59:56.960 --> 02:00:00.000
just got to get their stupid attention. Sus. Do we have someone or

1570
02:00:00.039 --> 02:00:02.920
not there? No, I'm not
sure. I don't know if we do

1571
02:00:03.079 --> 02:00:10.319
or not. All right, we
have more coming right up. Go with

1572
02:00:10.399 --> 02:00:14.600
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Roofing dot com. You don't pay a

1573
02:00:14.680 --> 02:00:20.880
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an insurance checkup free, no obligation.

1574
02:00:20.920 --> 02:00:26.840
In comparison, call Compass Insurance paying
too much your coverage at dozens of insurance

1575
02:00:26.880 --> 02:00:30.600
companies find out now three oh three
seven seven to one help. You'll think

1576
02:00:30.640 --> 02:00:33.640
you're his only customer when you choose
Frank durand the real estate Man dot com

1577
02:00:33.680 --> 02:00:39.359
to list your home with Remax Alliance
three oh three nine two zero sixteen twenty

1578
02:00:39.399 --> 02:00:45.039
two. Hi Tom, Martine here
three three seven one three talk Hey David,

1579
02:00:45.760 --> 02:00:47.600
you got a W two issue?
What's going on with your W two?

1580
02:00:48.199 --> 02:00:51.960
This shouldn't be a problem. Usually
this is taken care of. What's

1581
02:00:53.000 --> 02:00:59.199
going on? Uh so, uh
oh, I'm sorry, We're Oh there

1582
02:00:59.199 --> 02:01:00.239
you go go ahead. I'm sorry, go ahead, I hear you.

1583
02:01:01.920 --> 02:01:12.159
So. Basically, my my old
job, which is King Soopers, I

1584
02:01:12.279 --> 02:01:16.000
now work somewhere else. But basically
I worked for them for about a week

1585
02:01:16.159 --> 02:01:24.800
to two weeks into last year,
and they recently switched to online only for

1586
02:01:24.920 --> 02:01:29.920
d W sorry for W two's I
almost said d W two for some reason.

1587
02:01:30.000 --> 02:01:39.319
But they are trying to have us
a They're trying to have us go

1588
02:01:39.399 --> 02:01:46.399
through a website called I actually have
it right here here. It is my

1589
02:01:46.680 --> 02:01:56.159
taxform dot com. Yeah. Every
time I try and register in order to

1590
02:01:56.880 --> 02:02:05.039
get my W two, the uh
the website doesn't send the registration code to

1591
02:02:05.239 --> 02:02:12.279
my phone until like four hours after
I'm locked out of the of the website.

1592
02:02:14.640 --> 02:02:19.439
And the best way I can describe
it is I try to log in

1593
02:02:19.800 --> 02:02:28.439
or register and by the time that
the code comes in, I've already tried

1594
02:02:28.800 --> 02:02:31.800
getting new codes and new codes,
and to no man it's so, did

1595
02:02:31.880 --> 02:02:36.760
you contact them to tell the website
people? Did you contact them to tell

1596
02:02:36.800 --> 02:02:42.560
them? What did they say?
I talked to the website people. This

1597
02:02:42.640 --> 02:02:47.880
is this? Is this Kroger doing
this or King Soupers Kroger and King Shoopers

1598
02:02:47.920 --> 02:02:53.880
because Coroger is well, King Shoopers
is a subsidiary name. I get that,

1599
02:02:53.920 --> 02:03:00.319
but but I'm looking on this website
and there's no record they have They

1600
02:03:00.359 --> 02:03:04.840
don't have Kroger as one of the
selections, and I'm just wondering how the

1601
02:03:04.880 --> 02:03:11.800
hell you did this? I mean, I'll try it again, King Supers.

1602
02:03:11.960 --> 02:03:16.279
So I've talked to the King Supers
corporate. They told me to go

1603
02:03:16.319 --> 02:03:21.800
to that website to get my W
two. Then when I was having an

1604
02:03:21.880 --> 02:03:30.199
issue with gang my W two on
that website, I contacted the website's service

1605
02:03:32.399 --> 02:03:39.800
phone number, which the website's defective
brothers the website. I truly is it

1606
02:03:39.920 --> 02:03:44.680
seems okay. I see King Supers
Kroger and then you just hit it and

1607
02:03:44.720 --> 02:03:47.760
it gives you the number. I
mean, I'm okay, so far,

1608
02:03:48.279 --> 02:03:50.840
what do you so? What did
they say? Is wrong? When you

1609
02:03:50.880 --> 02:03:58.399
put in your their their number?
So I put in their number. It

1610
02:03:58.479 --> 02:04:03.520
gives me my tell me to put
in my name all that in the email

1611
02:04:03.600 --> 02:04:09.640
that I was that I had registered
with King Supers when I worked with them,

1612
02:04:10.279 --> 02:04:15.920
and then you simply can't You simply
can't log in, right, I

1613
02:04:15.960 --> 02:04:23.039
can't even register to log in.
I say, when you put in the

1614
02:04:23.119 --> 02:04:27.359
number, they say no employers found
with that number. That's what I'm getting.

1615
02:04:27.359 --> 02:04:30.439
And that's the King Soupers number that
they gave me. So I can

1616
02:04:31.000 --> 02:04:35.960
whatever this. And you know what's
weird about this site? Unlike any other

1617
02:04:36.039 --> 02:04:43.880
site, there are no places to
contact anyone. Yeah, I know.

1618
02:04:44.199 --> 02:04:50.600
And I had to actually google the
the freaking Koger website or Kroger corporate number

1619
02:04:51.119 --> 02:04:56.960
to get a number to that website. Okay, did you call the customer

1620
02:04:57.239 --> 02:05:01.760
did you call the customer service for
that website? Yes, and they said

1621
02:05:01.800 --> 02:05:08.840
they would look into it. And
I have and I've contacted them again about

1622
02:05:08.880 --> 02:05:11.920
all right. Let me let me
just go to the short form. Let

1623
02:05:11.920 --> 02:05:15.880
me go to the short form.
How much if you can't get a W

1624
02:05:15.039 --> 02:05:20.319
two by the tax deadline? The
I R S says to estimate And that's

1625
02:05:20.359 --> 02:05:30.840
it. Okay, because I have
the I have the my bank statement from

1626
02:05:30.880 --> 02:05:33.760
that year. That has the cut. But do you know how much how

1627
02:05:33.840 --> 02:05:36.600
much is taken out in taxes?
Do you know how much was taken out

1628
02:05:36.640 --> 02:05:45.680
in taxes? No? I don't. That's the problem. Well, if

1629
02:05:45.720 --> 02:05:50.960
you estimate, I'm telling you,
like whatever your gross was, and then

1630
02:05:51.159 --> 02:05:57.199
estimate whatever tax practice. I'm serious
there, you're not going to get penalized

1631
02:05:57.239 --> 02:06:00.439
and it's not going to come back
to haunt you. You may get notice

1632
02:06:00.439 --> 02:06:02.640
someday saying you know, we matched
a W two. We can't see it,

1633
02:06:02.920 --> 02:06:06.560
but they'll see the same employer and
you make the adjustment then, but

1634
02:06:06.600 --> 02:06:12.159
there won't be a penalty. You
can't, Okay, there are a lot

1635
02:06:12.199 --> 02:06:16.199
of people that can't get W two's, and their instructions have always been to

1636
02:06:16.520 --> 02:06:21.920
estimate. Now you can call the
IRS and make a complaint as well.

1637
02:06:24.279 --> 02:06:31.039
But I can't believe Kroger is not
doing anything about this. So Kroger has

1638
02:06:31.079 --> 02:06:39.560
apparently as of the year of twenty
twenty four, as of January of twenty

1639
02:06:39.640 --> 02:06:45.279
twenty four, they are they have
switched to online only. No I get

1640
02:06:45.319 --> 02:06:47.840
that, man, I get that, But they still have to help you

1641
02:06:47.960 --> 02:06:53.119
get it or send you a PDF
for something if you can't get it and

1642
02:06:53.640 --> 02:06:56.880
tell them. You're going to the
IRS, and I would go to the

1643
02:06:56.920 --> 02:07:01.239
IRS anyway. But again the last
which is this okay Number one, You

1644
02:07:01.359 --> 02:07:04.880
go to them and you ask them
to send you a PDF because the site

1645
02:07:05.239 --> 02:07:11.439
is not working. Call the IRS
and tell them the site is not working.

1646
02:07:11.800 --> 02:07:15.279
You cannot get a W two no
matter what you do. And then

1647
02:07:15.520 --> 02:07:21.399
estimate the amount of gross and then
do the tax bracket percentage for state and

1648
02:07:21.520 --> 02:07:27.600
federal and just estimate. That's all
you have to do to avoid penalties.

1649
02:07:27.920 --> 02:07:30.880
Again, who cares? It may
never come back to haunt you. I

1650
02:07:30.880 --> 02:07:35.920
have more coming up. Don't forget
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02:07:43.439 --> 02:07:51.520
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customer when you choose Frank durand the
real estate man dot com to list your

1659
02:08:15.960 --> 02:08:20.159
home with Remax Alliance three all three
nine two zero sixteen twenty two. Hi

1660
02:08:20.319 --> 02:08:24.039
Tom Martino, you're troubleshooter three O
three seven one three talks seven three eight

1661
02:08:24.279 --> 02:08:28.359
five to five. A quick note, Dan kaplis you know was that Channel

1662
02:08:28.399 --> 02:08:31.640
four started there and I took him
to radio and started his radio career with

1663
02:08:31.760 --> 02:08:43.439
him, and he and I were
both aligned philosophically, and our ideas haven't

1664
02:08:43.520 --> 02:08:50.000
changed since then that much. Yet
back then we were considered liberal. How

1665
02:08:50.000 --> 02:08:58.119
does that happen? I know people
who have kept the same exact ideas from

1666
02:08:58.199 --> 02:09:03.239
the sixties till now. We were
considered liberal and then it morphed into being

1667
02:09:03.279 --> 02:09:09.880
more conservative. I don't understand it. It's how did that happen? I

1668
02:09:09.159 --> 02:09:13.319
didn't change, Tom, I stand
for exactly. I stand for exactly the

1669
02:09:13.399 --> 02:09:18.640
same stuff I did. The zeitgeist
of the of the of the country has

1670
02:09:18.720 --> 02:09:24.520
changed. There was something on YouTube
the other day where they showed a State

1671
02:09:24.560 --> 02:09:30.680
of the Union speech that that Bill
Clinton gave, and he was railing against

1672
02:09:31.119 --> 02:09:35.840
illegal immigration that we have to deport
them. They need to be they need

1673
02:09:35.880 --> 02:09:41.239
to be controls, the exact same
thing that Trump is saying now, except

1674
02:09:41.000 --> 02:09:46.199
Bill Clinton was considered a liberal and
Trump is considered a joke. Yeah.

1675
02:09:46.279 --> 02:09:52.199
Hey, Drew is on the line
from New Jersey. I've known Drew since

1676
02:09:52.239 --> 02:09:56.760
I was on WABC the fifty thousand
watt blow towards in New York City and

1677
02:09:58.000 --> 02:10:01.840
beyond, and he's kept in touch
with our show. What's going on Drew?

1678
02:10:03.600 --> 02:10:07.199
Well, first of all, you
want a big victory in New York

1679
02:10:07.279 --> 02:10:11.800
City and the stock marker scandal.
Thank you at what's going on now?

1680
02:10:11.920 --> 02:10:15.000
Tom? And I hope all as
well with you, Suzanne. And the

1681
02:10:15.039 --> 02:10:20.520
other gentleman is that we are putting
out a new book that proves that God

1682
02:10:20.640 --> 02:10:24.880
is true. I can tell you
one of the quick proofs, and that

1683
02:10:24.119 --> 02:10:30.760
organized religion is false and corrupt.
What what's the name of your book,

1684
02:10:30.880 --> 02:10:35.680
Drew? God is true, Religion
is false? God is true, Religion

1685
02:10:35.760 --> 02:10:39.920
is false. That'll raise them,
Wye bros. Where are you selling it?

1686
02:10:39.920 --> 02:10:45.039
It's right now. It's an Amazon
And the author name, which a

1687
02:10:45.119 --> 02:10:48.319
woman gave to me when I was
preaching, is Carrie Blessing. She said,

1688
02:10:48.439 --> 02:10:52.199
use his name, so it's not
under Drew, it's under Carrie Blessing.

1689
02:10:54.439 --> 02:10:58.560
Ah, okay, good name,
and I'm looking for it here.

1690
02:11:00.039 --> 02:11:03.199
Hey, did you want to grab
both copies that you sold? Wait?

1691
02:11:03.279 --> 02:11:09.439
I see it a kindle edition here? I mean download that Carrie Blessing c

1692
02:11:09.840 --> 02:11:13.760
Ary a cool pseudo name. What
were you saying or what were you saying?

1693
02:11:13.800 --> 02:11:20.680
A pen name? I mean,
what were you saying? Both of

1694
02:11:20.720 --> 02:11:24.479
the copies that he sold? What
do you mean both of the copies?

1695
02:11:24.479 --> 02:11:28.279
What are you talking about? I
was being facetious about the arm, about

1696
02:11:28.279 --> 02:11:33.960
your meat, about your because you're
a meanie. That's why Tom, I

1697
02:11:35.000 --> 02:11:37.239
can tell you one of the proofs. Would you like to hear it?

1698
02:11:37.319 --> 02:11:43.279
Quick? Go ahead? Fourteen ninety
two, Columbus sail the Blue and people

1699
02:11:43.279 --> 02:11:48.479
figured out that the earth was round
three thousand years before fourteen ninety two.

1700
02:11:48.319 --> 02:11:52.880
It's in the Holy Bible. The
earth is round around around the circumference of

1701
02:11:52.920 --> 02:11:56.439
the circle of the Earth. Right, I read that. I know there's

1702
02:11:56.479 --> 02:11:58.840
a lot of other things too,
But the great that Romans figured it out

1703
02:12:00.199 --> 02:12:03.399
well before. Hey, the Bible, that was before the butt, that

1704
02:12:03.560 --> 02:12:07.760
was before the Romans. There you
heathen by the way. By the way,

1705
02:12:07.880 --> 02:12:11.479
uh, don't forget three oh three
Martino three O three sixteen seven eight

1706
02:12:11.520 --> 02:12:16.479
four sixty six and you'll get help. Leave a message. Also fix at

1707
02:12:16.520 --> 02:12:20.960
twenty four to seven fix myhome dot
com. Remember that for for U twenty

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02:12:43.840 --> 02:12:46.399
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1714
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zero sixteen twenty two