WEBVTT 1 00:00:00.080 --> 00:00:16.039 Yea ripped up news, need advice who you don't have to come running just 2 00:00:16.120 --> 00:00:23.039 as fast as we can. Show Shooter's gonna help come Man six is the 3 00:00:23.199 --> 00:00:29.600 Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, welcome to 4 00:00:29.679 --> 00:00:35.159 the show. Three oh three seven one three talk seven one three A two 5 00:00:35.200 --> 00:00:39.200 five five. That's the number in the studio. We also have our our 6 00:00:39.320 --> 00:00:46.520 number for the Troubleshooter Network three oh three Martino three oh three six two seven 7 00:00:46.719 --> 00:00:52.359 eight four six six. That's three oh three Martino that you can call her 8 00:00:52.439 --> 00:00:57.240 text at any time and we'll get you on the show. You don't have 9 00:00:57.320 --> 00:01:00.960 even have to wait. You know, we have a lot to talk about 10 00:01:02.039 --> 00:01:07.519 today. One of the things I love talking about is with the heat the 11 00:01:07.560 --> 00:01:11.879 way it is right now. Don't get ripped trust me when need comes. 12 00:01:11.920 --> 00:01:15.799 So toa ripoffs, but I want you to be safe. If you need 13 00:01:15.840 --> 00:01:21.879 your air traditioning checked eight eight eight heating dot com and they are especially great 14 00:01:21.920 --> 00:01:25.799 if you're putting in a solar system. They have high efficiency electric units and 15 00:01:26.120 --> 00:01:32.200 hybrid furnaces that do both electric and gas. Three three seven seven zero two 16 00:01:32.239 --> 00:01:38.599 seven seven six. Hey, John Fuller's with us my co host today, 17 00:01:38.560 --> 00:01:44.239 feel free to chime in, John. You know, really, if you 18 00:01:44.319 --> 00:01:51.480 think about it, there's a trend that makes sense. Trade schools are up, 19 00:01:52.599 --> 00:02:02.640 colleges are down. Colleges have been in a steady decline over ten years. 20 00:02:02.680 --> 00:02:09.800 Still competitive, but a steady decline. And there are many many reasons 21 00:02:09.879 --> 00:02:15.039 given. Believe it or not, not all young people feel it's worth it. 22 00:02:15.080 --> 00:02:22.039 But another thing young People survey said, as who Richard Dawson said, 23 00:02:22.080 --> 00:02:25.479 survey says on family feod you remember that time anyway. So one of the 24 00:02:25.520 --> 00:02:32.599 things that one of the things people cited, we have young people who don't 25 00:02:32.800 --> 00:02:42.439 who feel like they can't find a school aligned with their goals and their philosophies. 26 00:02:43.039 --> 00:02:46.000 Now I'm not sure you need a school aligned with your goals and philosophies, 27 00:02:46.360 --> 00:02:52.120 but there are some students saying that they don't want to be indoctrinated by 28 00:02:52.120 --> 00:02:59.159 the way one way or the other. They want education. They feel education 29 00:03:00.280 --> 00:03:07.080 should be facts and figures and history and all of that. I don't know 30 00:03:07.120 --> 00:03:13.759 if that's possible, because every single person who will teach will give their bend 31 00:03:13.800 --> 00:03:16.680 to it. Everyone. I'm not sure it's right or wrong. I just 32 00:03:16.719 --> 00:03:21.840 know it's going to happen no matter what. When you give history, you're 33 00:03:21.879 --> 00:03:24.719 gonna give opinions, You're gonna give your lecture. I don't know if education 34 00:03:24.960 --> 00:03:29.759 can be totally objective. I don't know if it can be, so then 35 00:03:29.800 --> 00:03:35.120 we're faced with the idea. If it can't be objective, then what is 36 00:03:35.159 --> 00:03:38.560 it. It's skews toward the person doing the teaching, And right now we 37 00:03:38.719 --> 00:03:46.159 have basically mostly liberal people teaching, and they're teaching, and I'm not saying 38 00:03:46.159 --> 00:03:50.479 they're trying. I don't like the word in doctrinate. I don't really see. 39 00:03:50.560 --> 00:03:53.639 I don't believe there's some big plot to indoctrinate are young. I think 40 00:03:54.039 --> 00:03:59.520 it's just the way they feel. I truly have said this before over and 41 00:03:59.560 --> 00:04:05.639 over. I don't think people are trying to hurt anyone. I don't think 42 00:04:05.719 --> 00:04:11.319 they are. I disagree with the Trump camp when they say the liberals are 43 00:04:11.319 --> 00:04:15.599 trying to destroy America, and I disagree with the liberal camp when they say 44 00:04:15.719 --> 00:04:17.920 Trump is the biggest threat to democracy ever. I mean, I think I 45 00:04:18.040 --> 00:04:21.720 just hate when people do that. Now, No, we can disagree vehemently, 46 00:04:21.759 --> 00:04:26.360 and I do with a lot of things, but I don't think anyone's 47 00:04:26.399 --> 00:04:30.879 trying to destroy us. I think they, in their minds are trying to 48 00:04:30.920 --> 00:04:34.399 do the best. So a lot of these kids saying, well, I 49 00:04:34.439 --> 00:04:38.519 know they're you know, I just don't want to hear it. I don't 50 00:04:38.519 --> 00:04:43.160 want to be part of it. A lot of Jewish students have been really 51 00:04:43.279 --> 00:04:47.120 hurt lately because of all the demonstrations and violence toward them, even though they 52 00:04:47.160 --> 00:04:55.920 have nothing directly to do with Israel's reaction to Hamas, they're feeling a backlash. 53 00:04:56.319 --> 00:05:03.199 Yesterday when Natyaho's gave us each Some people would call it when he when 54 00:05:03.240 --> 00:05:08.680 he preached, but I'm telling you he was really passionate. But there were 55 00:05:08.720 --> 00:05:12.720 a lot of people protesting. Must call it like it is. They were, 56 00:05:12.800 --> 00:05:16.199 They were liberals protesting. Now here's here's the bottom line. They're saying, 57 00:05:16.480 --> 00:05:20.959 Okay, this is going far beyond self defense. Again, no matter 58 00:05:20.959 --> 00:05:26.519 where you lie, I'm just trying to make the point here that people are 59 00:05:26.519 --> 00:05:30.319 getting sick and tired. There are even surveys that show people are moving to 60 00:05:30.399 --> 00:05:36.680 different parts of the country to be near people who are physically physical philosophy, 61 00:05:36.920 --> 00:05:44.040 physic, philosophically, Thank you philosophically, my God, thank you for a 62 00:05:44.079 --> 00:05:46.879 moment there I felt like Mark ha ha, he almost founds like a lawyer. 63 00:05:47.519 --> 00:05:50.879 Yeah. So no, no, but there are people moving to align 64 00:05:50.920 --> 00:05:56.439 themselves politically and philosophically. I mean, do you think there'll ever be a 65 00:05:56.480 --> 00:06:02.519 time in this country where people move into air is based on philosophy or based 66 00:06:02.519 --> 00:06:08.040 on I don't know, what are you politics? Do you think that will 67 00:06:08.079 --> 00:06:12.319 ever happen? Seriously? I know people think it's already happening. I mean 68 00:06:12.360 --> 00:06:15.560 they're part of Yeah, of course, there are parts of the country where 69 00:06:15.560 --> 00:06:20.480 you just not want to go because it's known as a bastion of some some 70 00:06:20.720 --> 00:06:26.040 one one one way or the other. Yeah, definitely. I mean think 71 00:06:26.079 --> 00:06:30.759 about it. For a million years, Boulder has been viewed as, you 72 00:06:30.800 --> 00:06:32.839 know, the People's Republic of Boulder. I mean, as long as I've 73 00:06:32.879 --> 00:06:36.600 been in the state thirty years plus, it's been referred to as, you 74 00:06:36.600 --> 00:06:41.639 know, something along those lines. So you should be fairly well, you 75 00:06:41.680 --> 00:06:45.000 know, warned that if you move to Boulder, you're going to be surrounded 76 00:06:45.040 --> 00:06:49.800 by to a large degree that philosophical And what about Colorado Springs that has the 77 00:06:49.839 --> 00:06:55.399 opposite, Yeah, exactly the opposite. Okay, and then we have Florida 78 00:06:55.439 --> 00:06:59.360 and Texas, but off to California. There are parameters that you have. 79 00:06:59.759 --> 00:07:04.040 Not everybody has the wherewithal to just get up and move. So I think 80 00:07:04.040 --> 00:07:09.600 you're talking about a lot of people. Yeah, you're right, they don't 81 00:07:09.600 --> 00:07:13.120 have the wherewithal to get up and move. But the migration over time and 82 00:07:13.120 --> 00:07:15.879 where kids move and kids live and stuff, Yeah, it's it's happening. 83 00:07:15.920 --> 00:07:21.120 By the way, I want to mention that Kelsey's got a landscape or problem. 84 00:07:21.160 --> 00:07:25.279 We're going to get to her. And then I just wanted to say 85 00:07:25.319 --> 00:07:30.279 that I think that I'm going to make some statements here that I looked up 86 00:07:30.319 --> 00:07:43.480 some crime statistics and most crime toward violence and people are happening in liberal cities 87 00:07:43.519 --> 00:07:47.480 and states, but consumer crime and white collar crime are in conservative areas. 88 00:07:48.240 --> 00:07:54.319 And I've said this before. I mean, you know, I've been one 89 00:07:54.319 --> 00:07:57.879 way or the other, but I will say that when it comes to consumer 90 00:07:57.959 --> 00:08:01.040 issues, and I'll just say it because I know I have mostly a conservative 91 00:08:01.079 --> 00:08:05.319 audience. I mean, talk radio in general's mostly conservative, and I am 92 00:08:05.519 --> 00:08:09.439 two in ninety percent of the areas of life. But I do believe, 93 00:08:09.920 --> 00:08:16.240 and John, I know this is as an attorney, it cuts both ways 94 00:08:16.240 --> 00:08:20.120 with you, guys, because I know a lot of lawmakers around the country 95 00:08:20.639 --> 00:08:24.680 tend to with personal injury attorneys try to clip your wings. I mean, 96 00:08:24.000 --> 00:08:31.320 I think it has been correct me if I'm wrong, do mainly conservative governments 97 00:08:31.360 --> 00:08:37.399 feel leave business alone, leave insurance companies alone, and there they try to 98 00:08:37.399 --> 00:08:43.559 cap your awards, whereas more liberal governments or entities try to give the consumer 99 00:08:43.639 --> 00:08:48.480 more of the edge. As an attorney, I'm not asking you politically. 100 00:08:48.840 --> 00:08:50.360 Is that right or wrong? Am I am? I am I lying dying 101 00:08:50.399 --> 00:08:54.720 here. I think if you're painting in broad strokes, that's pretty true. 102 00:08:56.320 --> 00:09:00.440 So it's morely, but it's but it's to be expected though, talk because 103 00:09:00.519 --> 00:09:05.679 you know, the majority of business owners and people that are stakeholders, if 104 00:09:05.679 --> 00:09:09.960 you will, you know, by and large that group tends to vote more 105 00:09:09.960 --> 00:09:15.639 conservatively and stuff, and and they're the people that are the most impacted by, 106 00:09:16.559 --> 00:09:20.120 you know, by these claims and stuff. I mean, listen, 107 00:09:20.200 --> 00:09:24.440 I am as I that's this is what I do. Okay. I am 108 00:09:24.080 --> 00:09:30.480 very, very very in tune to the plaintiff's personal injury world. And that 109 00:09:30.519 --> 00:09:35.639 includes everything from you know, medical malpractice on down. And I've heard every 110 00:09:35.759 --> 00:09:39.440 argument in the world and I've seen the effects of tort reform, and I've 111 00:09:39.440 --> 00:09:41.399 seen the you know, both the pros and the cons. I own a 112 00:09:41.440 --> 00:09:46.679 business, I am very sensitive to insurance rates going up, and I don't 113 00:09:46.720 --> 00:09:50.519 want, you know, fictitious claims. And as an attorney, I also 114 00:09:50.639 --> 00:09:54.639 don't want fictitious claims. I want my client's case to you know, to 115 00:09:54.759 --> 00:09:58.320 stand on its own. And I don't take claims that are shady and and 116 00:09:58.360 --> 00:10:01.240 I've certainly had plenty of opportunities needs to do that. But by and large, 117 00:10:01.440 --> 00:10:07.200 your business owner class tends to be more conservative, and you know that's 118 00:10:07.399 --> 00:10:13.440 that's the group that wants tort reform and controls and caps and damage you know, 119 00:10:13.600 --> 00:10:16.879 limitations and all that kind of stuff, right right, I would say 120 00:10:16.159 --> 00:10:20.200 that in general, and again, people, if you're listening, I'm not 121 00:10:20.240 --> 00:10:24.919 trying to convince you to vote or to be one way or another. I'm 122 00:10:24.960 --> 00:10:31.279 talking about the reality of life and what happens in laws and why people like 123 00:10:31.360 --> 00:10:35.519 certain areas of the country and others don't. But in law, basically, 124 00:10:35.919 --> 00:10:41.240 I've always found and sometimes it goes too far. But like for example, 125 00:10:41.240 --> 00:10:43.519 in Colorado, we have a very liberal state right now, used to be 126 00:10:43.559 --> 00:10:48.639 conservative then it was a little mix. Now it's very very liberal, and 127 00:10:48.039 --> 00:10:54.360 we have very strong renters' rights now we never used to. So there's good 128 00:10:54.360 --> 00:10:56.799 about that. There's a lot of good about that. I mean, people 129 00:10:56.879 --> 00:11:00.919 need rights, but did they go too far? If you're a landlord, 130 00:11:00.960 --> 00:11:05.960 you'll say yeah. So I've come to a conclusion and that is what we 131 00:11:07.039 --> 00:11:11.559 need, is no lopsided one way or the other. I think the balance 132 00:11:11.720 --> 00:11:18.320 of power is what brings us wisdom. I do, but again that's my 133 00:11:18.399 --> 00:11:22.200 thought on that, and I am only looking at it from a consumer standpoint. 134 00:11:22.240 --> 00:11:26.639 Now, Kelsey, you have a problem with a landscaper. By the 135 00:11:26.639 --> 00:11:33.639 way, landscaping starts at about May, and we get problems through October and 136 00:11:33.720 --> 00:11:37.480 November. What's the issue in general? And then we'll come back and take 137 00:11:37.480 --> 00:11:43.960 it in detail. What's the issue, Kelsey? So, unfortunately, my 138 00:11:43.080 --> 00:11:48.480 neighbor, three of us in a row here, have hired one particular person 139 00:11:48.639 --> 00:11:54.679 to complete our backyards. And it's been almost two months and unfortunately they are 140 00:11:54.720 --> 00:11:58.120 not complete. Not okay, not complete. But hold on, did they 141 00:11:58.200 --> 00:12:03.759 at least start the job? They? Okay, hold on, we'll come 142 00:12:03.840 --> 00:12:07.720 right back to you. I'm Tom Martino, three oh three seven one three 143 00:12:07.720 --> 00:12:13.960 talk seven one three eight two five five. Waterpros dot net is a company 144 00:12:13.080 --> 00:12:18.279 that I a person. Let's put it that way. Paul the waterman at 145 00:12:18.279 --> 00:12:22.000 waterpros dot net is someone I truly believe in. He is so passionate about 146 00:12:22.120 --> 00:12:26.559 water, he really is. Why is he because he knows that you can 147 00:12:26.600 --> 00:12:31.480 do all the supplementation in doctors, visits and exercise you want. But if 148 00:12:31.519 --> 00:12:35.519 you get pfas in your water and you do in plastics and nanoplastics, it's 149 00:12:35.559 --> 00:12:41.440 an unhealthy situation. So he has great systems at low prices. Try him 150 00:12:41.440 --> 00:12:43.240 out, you'll love them. Free prices on the phone. 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All right, 177 00:14:45.799 --> 00:14:52.200 we just got up on YouTube and we stream every day on YouTube and Facebook. 178 00:14:52.279 --> 00:14:56.240 So welcome my Facebook flunkies. Sorry, Byra, we had some technical 179 00:14:56.320 --> 00:15:03.159 difficulties which means I had to reboot this system. Okay, yeah, so 180 00:15:03.200 --> 00:15:05.039 we don't have a little bit. So are we up? Now? We 181 00:15:05.159 --> 00:15:11.200 are up? We should be up. We're up. Okay, we're up. 182 00:15:11.440 --> 00:15:13.799 Let me turn that down. You can tell when I tune in. 183 00:15:13.840 --> 00:15:18.399 Okay, there we go. So anyway, welcome YouTube Moron's Facebook flunkies. 184 00:15:18.480 --> 00:15:22.399 We're here and we are ready to go for you. Now, as far 185 00:15:22.600 --> 00:15:30.559 as this landscaping thing, let's continue. Kelsey, So when did you guys? 186 00:15:31.720 --> 00:15:35.320 What's that? Guys? Did you drop a line? Yeah, she'll 187 00:15:35.320 --> 00:15:37.559 be right back. Okay, good, she'll be right back, John, 188 00:15:37.960 --> 00:15:41.600 John Fuller, I got a question for you, Yes, sir, someone 189 00:15:41.639 --> 00:15:46.159 wants to know with malpractice Tom. This is the text, So I'm just 190 00:15:46.200 --> 00:15:50.519 reading. Tom always discourages. I don't always discourage, but the text says 191 00:15:50.519 --> 00:15:54.159 I always discourage it, saying it's too expensive and you hardly ever, Win, 192 00:15:54.799 --> 00:16:00.639 I don't want to put a negative bend on it, But but what's 193 00:16:00.679 --> 00:16:06.440 the truth about malpractice? John? It really really is difficult, isn't it. 194 00:16:06.440 --> 00:16:10.559 It is? I mean, the standard is very high, and we 195 00:16:10.759 --> 00:16:15.720 have a mechanism in Colorado that requires that you have what's called a standard of 196 00:16:15.799 --> 00:16:21.679 care expert before you file a lawsuit. And that means another doctor who has 197 00:16:22.279 --> 00:16:26.919 the same or similar credentials as the one that you're complaining of that will go 198 00:16:27.000 --> 00:16:33.679 on record up front and say the other doctor screwed up basically, And if 199 00:16:33.679 --> 00:16:36.080 you don't have that, you can't file a lawsuit, or if you do 200 00:16:36.120 --> 00:16:38.200 file a lawsuit instead is kind of get dismissed and you'll owe a bunch of 201 00:16:38.240 --> 00:16:44.159 money. So the risk is pretty high. Now. Interestingly enough, we 202 00:16:44.279 --> 00:16:48.320 have one major insurance carrier, That's what I was going to say, that's 203 00:16:48.360 --> 00:16:52.600 the dirty secret. Yeah, that ensures most of the doctors, if not 204 00:16:52.679 --> 00:16:56.200 almost all of the does. So if you're insured by them and you're asked 205 00:16:56.240 --> 00:17:00.720 to be an expert against another doctor ensured by them, could you be blackballed? 206 00:17:02.879 --> 00:17:07.400 Well, they'll certainly send one of their attorneys to sit in the meeting 207 00:17:07.480 --> 00:17:12.720 with you. That you know, listen, the unmistakable message is that they 208 00:17:12.720 --> 00:17:18.599 don't want any of their insured attorneys to be cooperating with plaintiffs that are bringing 209 00:17:18.720 --> 00:17:23.480 malpractice cases. Okay, that's probably not a written policy anywhere, but it's 210 00:17:23.519 --> 00:17:29.319 certainly in practice. And so the reality is that you have to go out 211 00:17:29.319 --> 00:17:32.880 of state to find these experts that are not insured by this company, and 212 00:17:33.000 --> 00:17:37.119 that does get very expensive, sometimes, you know, five to seven thousand 213 00:17:37.160 --> 00:17:40.839 dollars just to get a doctor to review it. So it's not that you're 214 00:17:40.880 --> 00:17:45.839 just trying to pooh pooh the medical malpractice cases. They are difficult, they 215 00:17:47.039 --> 00:17:49.359 do cost an awful lot of money. They are for all the marvels, 216 00:17:49.480 --> 00:17:52.720 and there's a very good chance that they're going to make you go all the 217 00:17:52.759 --> 00:17:57.079 way to trial just because that's a way for them to win by attrition, 218 00:17:57.279 --> 00:18:00.880 which means you, you know, you better be very well healed before you 219 00:18:00.880 --> 00:18:03.359 can even bring that case, and second, all the way to the end. 220 00:18:03.440 --> 00:18:07.640 So when you have the average little run of the mail bad outcome, 221 00:18:07.279 --> 00:18:11.079 you know, a bad outcome doesn't equal malpractice. There has to have been 222 00:18:11.160 --> 00:18:17.319 a mistake that you know that leads to the damages. And for the run 223 00:18:17.319 --> 00:18:19.759 of the mill case is just not worth it. You know, Kelsey, 224 00:18:22.039 --> 00:18:27.799 we got you back, So you and your neighbors hired who? We hired 225 00:18:29.000 --> 00:18:36.359 John Marino with get her done landscaping? Get her done landscaping? And tell 226 00:18:36.440 --> 00:18:41.839 me when did you hire him? We hired him right at the end of 227 00:18:41.000 --> 00:18:48.920 May, maybe first day of June. And what's the problem that he started 228 00:18:48.039 --> 00:18:52.839 all of the jobs some of the jobs? Are you speaking for just yourself 229 00:18:52.880 --> 00:18:55.559 or the neighborhood? Tell me, what's how many people do you know hired 230 00:18:55.640 --> 00:19:00.799 him? So I know of myself and three others, but hired him? 231 00:19:00.039 --> 00:19:04.880 And what happened? He has started the jobs. He has started them, 232 00:19:06.039 --> 00:19:11.400 he has not completed them. Now what percentage did he do of the jobs? 233 00:19:11.440 --> 00:19:15.920 Like the most in the least, so I would say they're all probably 234 00:19:17.160 --> 00:19:23.200 about seventy five percent complete. Okay, okay, Well it doesn't sound like 235 00:19:23.240 --> 00:19:29.240 a rip off. It sounds like someone who's overwhelmed or maybe he ran someone. 236 00:19:29.359 --> 00:19:33.160 Maybe he ran out of money too. He definitely runs out of money, 237 00:19:33.200 --> 00:19:38.319 I can tell that. My biggest problem with him is that he tells 238 00:19:38.319 --> 00:19:41.920 a lot of He's a he's a storyteller, that's for sure. He has 239 00:19:42.119 --> 00:19:48.640 a different excuse and a different lie every day, and he also posts a 240 00:19:48.720 --> 00:19:52.599 lot of tiktoks where he is able to spend his money and time at the 241 00:19:52.599 --> 00:19:57.559 bar, but cannot seem to finish our jobs. Kelsey, Kelsey, he 242 00:19:59.799 --> 00:20:03.559 got seventy five percent of the work done, So I got two questions. 243 00:20:03.279 --> 00:20:11.039 First, the work that was done? Good? Better? Best? Good? 244 00:20:11.799 --> 00:20:17.839 Okay? And does it does it have to be redone? Any of 245 00:20:17.880 --> 00:20:22.119 it? Yes? Part of it will need to be readone now? Uh? 246 00:20:22.440 --> 00:20:30.160 And did you pay more than seventy five percent? Yeah? Why my 247 00:20:30.359 --> 00:20:34.079 bad? I guess did all of the neighbors pay ahead of time too? 248 00:20:36.000 --> 00:20:41.519 Yes? Are you paid in full? Kelsey? Yes? Gosh, dang 249 00:20:41.519 --> 00:20:49.200 it? How much you there? So in total we've paid. It just 250 00:20:49.200 --> 00:20:52.119 depends on the house. But I would say, yours, what did you 251 00:20:52.200 --> 00:21:02.480 pay for on the job? About thirteen thou thirteen? Okay? You paid 252 00:21:02.680 --> 00:21:07.799 thirteen thousand for one hundred percent of the job. What does she say about 253 00:21:07.799 --> 00:21:14.079 it? Every day? He says he's on his way to finish. I 254 00:21:14.119 --> 00:21:18.839 mean, how did you find get or done? Let me guess what Facebook, 255 00:21:18.920 --> 00:21:23.640 Marketplace or next door? He was door knocking in the neighborhood. Yeah, 256 00:21:25.240 --> 00:21:29.359 that's by the way again, not a sign of a ripoff. But 257 00:21:29.480 --> 00:21:33.920 let's put it this way, if we took a universe of ripoffs, we 258 00:21:34.000 --> 00:21:41.279 would have ninety eight percent of all ripoffs start at the door. It doesn't 259 00:21:41.319 --> 00:21:44.319 mean that everyone who comes to your door's ripoff, but if you took the 260 00:21:44.440 --> 00:21:48.359 universe of people ripped off, ninety eight percent of them would say it started 261 00:21:48.400 --> 00:21:53.359 with a knock at the door when it comes to home services. So it's 262 00:21:53.400 --> 00:21:57.759 a bad place to start. But in any case, you got you're in 263 00:21:57.880 --> 00:22:03.039 deep right now, and we're going to give him a call. Now where 264 00:22:03.119 --> 00:22:04.960 is he out of? What? What? What part of town? Are 265 00:22:06.000 --> 00:22:11.359 we talking here? So I'm in Severance. So he runs around here and 266 00:22:11.400 --> 00:22:17.480 wins their it seems like prim okay, So he's up north yep okay. 267 00:22:17.559 --> 00:22:21.480 And then I want to give him a call too, Like I want who 268 00:22:21.480 --> 00:22:23.480 should we put on this Kachina. I'll give him a call right now, 269 00:22:23.559 --> 00:22:27.000 Doc? Oh yeah, Doc's in the studio. Okay, Doc, let's 270 00:22:27.079 --> 00:22:30.920 uh, let's do that. Let's give him a call and see if we 271 00:22:30.960 --> 00:22:33.799 can at least hear what he has to say, get a good impression for 272 00:22:33.839 --> 00:22:38.160 this, and we'll see. I'm Tom Martino three oh, three seven to 273 00:22:38.200 --> 00:22:42.440 one, three eight two five five. You know, I just posted a 274 00:22:42.480 --> 00:22:48.200 new video today on YouTube and Facebook and Instagram and all that. It's about. 275 00:22:48.720 --> 00:22:51.400 We're not Facebook, but YouTube and all the rest. So here here 276 00:22:51.400 --> 00:22:53.960 it is. It's about the whole house fan and an attic fan and how 277 00:22:55.359 --> 00:23:00.960 ventilation is very important to cool your home and how to save on air conditioning. 278 00:23:00.160 --> 00:23:04.039 And I recommended QC Colorado. I did that on my own. I 279 00:23:04.079 --> 00:23:08.519 am a customer. I have them in my home and I'll tell you what. 280 00:23:08.799 --> 00:23:15.720 It's unbelievable what it does. This fan, a whole house fan, 281 00:23:15.799 --> 00:23:21.799 destratifies your air, evens out your temperatures. Therefore your air conditioner works less. 282 00:23:21.839 --> 00:23:25.480 That's the short story. In reality, there's so many different ways to 283 00:23:25.599 --> 00:23:27.599 use it. Some people turn it on in the morning and at night and 284 00:23:27.640 --> 00:23:33.480 they turn the air off completely. Some people put it on all night, 285 00:23:33.839 --> 00:23:37.000 or some people leave their house cooking all day. They don't want to waste 286 00:23:37.079 --> 00:23:40.759 air conditioning and in order to cool it down it when they get home, 287 00:23:41.000 --> 00:23:45.680 they turn on that fan and boom. Within ten minutes, the entire house 288 00:23:45.160 --> 00:23:48.400 is cooled down and evened out, and then the air conditioner works less. 289 00:23:48.599 --> 00:23:53.599 Qccolorado dot com. Check them out. You will love this company. You 290 00:23:53.640 --> 00:23:56.559 will love the way they do business, and you will love how fast and 291 00:23:56.640 --> 00:24:00.480 easy it is for an installation and how much money you'll save. Three three 292 00:24:00.599 --> 00:24:07.279 eight hundred thirty four nineteen. Three oh three eight hundred thirty four nineteen Frank 293 00:24:07.359 --> 00:24:11.160 Duran, The real estate Man dot com. Now you heard me talk about 294 00:24:11.160 --> 00:24:15.799 his free analysis of your property giving you an idea of what to list it 295 00:24:15.839 --> 00:24:19.720 for, what it will sell for based on his vast experience. I'm going 296 00:24:19.799 --> 00:24:26.000 to tell you some other stuff. Frank also doesn't require you to stay with 297 00:24:26.079 --> 00:24:30.079 him on a long term contract. Now, let me explain the comfort in 298 00:24:30.119 --> 00:24:34.640 that he knows he's going to please you based on his experience, and he 299 00:24:34.799 --> 00:24:38.640 knows the business so well. He's not going to penalize you or force you 300 00:24:38.680 --> 00:24:41.519 to stay with him if you're not happy, he says, give him a 301 00:24:41.599 --> 00:24:48.160 day and you'll see what he can do, including outbound marketing to hundreds of 302 00:24:48.319 --> 00:24:53.839 thousands of prospective buyers. Three oh three nine two zeros sixteen twenty two Frank 303 00:24:53.920 --> 00:25:03.880 durand The real estate Man dot com. Tom Martino here three all three seven 304 00:25:03.000 --> 00:25:08.119 one three talk three all three seven one three eight two five five. Welcome 305 00:25:08.200 --> 00:25:14.039 to the show. We have John Fuller with us UH and we are here 306 00:25:14.720 --> 00:25:18.119 solving problems. If you have any questions complaints. I do have a question 307 00:25:18.160 --> 00:25:22.039 here. By the way, I gave out my private number, my private 308 00:25:22.160 --> 00:25:27.079 Google number. It does come directly to me twenty four to seven, so 309 00:25:27.240 --> 00:25:36.680 you can text me at seven four seven nine nine nine fifty two eighty seven 310 00:25:36.799 --> 00:25:42.039 four seven nine nine nine fifty two eighty. Now we also have the station's 311 00:25:42.119 --> 00:25:48.720 text which is five seven seven three nine. So anyway, I do have 312 00:25:48.759 --> 00:25:53.519 a question here, and let me go to it. Okay. So somebody 313 00:25:53.519 --> 00:25:59.720 wants to know about QC kinetics. That's QC and it's K I N E 314 00:25:59.759 --> 00:26:03.640 t IX. They want to know what it is. Now I want to 315 00:26:03.680 --> 00:26:10.440 explain something to you. This is really important to me. Regenerative medicine is 316 00:26:10.480 --> 00:26:21.920 a word given to multiple therapies, multiple ones. Originally, regenerative medicine was 317 00:26:22.039 --> 00:26:30.880 mainly something called prolo therapy that just means self healing and prolo therapy. Originally 318 00:26:32.000 --> 00:26:41.200 and it still is there is it was injecting into painful areas an irritant like 319 00:26:41.319 --> 00:26:47.799 cayenne pepper or something like that. Now you might ask, why the hell 320 00:26:47.839 --> 00:26:52.079 would they do that to an injury or into a painful area. Well, 321 00:26:52.480 --> 00:27:00.480 they used to be before that called trigger point injections or dry needling or any 322 00:27:00.559 --> 00:27:06.680 kinds of stuff like that, where trigger point injections later became pain medicine injected 323 00:27:06.799 --> 00:27:14.200 into that area or steroids. But really, originally, somehow researchers or doctors 324 00:27:14.279 --> 00:27:19.079 knew back in the day that if you irritated an area, it would self 325 00:27:19.400 --> 00:27:26.480 heal. Now, the injury itself might have been so severe you didn't get 326 00:27:26.519 --> 00:27:32.359 that healing started, or you may have interrupted the healing by being immobile or 327 00:27:32.680 --> 00:27:38.160 by icing or something like that. That's right, Icing actually interrupts healing. 328 00:27:38.559 --> 00:27:44.839 Now, it does hold down inflammation and give relief, but it slows down 329 00:27:44.880 --> 00:27:52.039 healing technically. When you get injured, the idea of swelling is to immobilize 330 00:27:52.640 --> 00:27:59.480 the joint, and the idea of the white blood cells is to rush into 331 00:27:59.519 --> 00:28:03.960 the area and to clean out the area, and then red blood cells to 332 00:28:03.160 --> 00:28:10.720 increase circulation and then blah blah blah, so you heal again. Prolo therapy 333 00:28:10.759 --> 00:28:14.960 would put an irritant into the join, which would cause your body to go 334 00:28:15.039 --> 00:28:22.279 after the irritant and form a bit of scar tissue and healing tissue. That's 335 00:28:22.279 --> 00:28:29.240 why scar tissue is more hearty than surrounding tissue, because it's meant to bind 336 00:28:29.960 --> 00:28:34.319 and to secure. So that's what prolo therapy was. Then later on people 337 00:28:34.359 --> 00:28:38.839 said, well, let's help prolo therapy not just do let's not just do 338 00:28:40.680 --> 00:28:48.599 this injection of cayenne or capsation. Why don't we put some blood in it. 339 00:28:48.799 --> 00:28:56.200 So they did platelets, blood platelets, and that's platelet rich plasma PRP, 340 00:28:56.359 --> 00:29:02.319 and then that was used as a prolo therapy. That's a regenerative medicine. 341 00:29:03.759 --> 00:29:08.519 Then stem cells came along and people said, let's do stem cells. 342 00:29:11.519 --> 00:29:15.599 Here's the problem in stem cell therapy. You have two kinds. Two kinds. 343 00:29:15.920 --> 00:29:22.759 One your donor stem cells are taken out and reinjected. The second kind 344 00:29:23.240 --> 00:29:29.920 is where they take out stem cells from others and then they put them into 345 00:29:30.000 --> 00:29:33.160 a lab and ship them around the country. Now, I want to say 346 00:29:33.160 --> 00:29:37.839 something because this is really important and this cost me a lot of money back 347 00:29:37.880 --> 00:29:45.240 in the day when I rejected people who did the shipping of the cells because 348 00:29:45.279 --> 00:29:51.039 I wouldn't represent them. Now, as with everything in life, things change. 349 00:29:52.680 --> 00:29:59.119 It is still best still very best to have your own stem cells harvested 350 00:30:00.119 --> 00:30:04.400 and reused. That's the best therapy. You get more living stem cells if 351 00:30:04.400 --> 00:30:11.720 you do that. Platelet rich plazas a good therapy. The combination is even 352 00:30:11.759 --> 00:30:18.599 better. But here is what happens, Like a QC kinetics case, whatever 353 00:30:18.759 --> 00:30:22.640 it's called. Yeah, yeah, the kinetics place, there's nothing wrong with 354 00:30:22.720 --> 00:30:32.799 them. These places use mostly stem cells that are shipped in. You don't 355 00:30:32.799 --> 00:30:37.720 get many living stem cells when that happens, but you still get you still 356 00:30:38.000 --> 00:30:48.200 get regenerative powers. So to say it's useless would not be accurate. But 357 00:30:48.359 --> 00:30:52.319 to say it's as good as other stem cell therapy would not be accurate. 358 00:30:52.440 --> 00:31:00.559 So it does have healing qualities. That's regenerative medicine and QC kinetics. That's 359 00:31:00.559 --> 00:31:07.960 what they do. As far as I know, they don't have They don't 360 00:31:07.039 --> 00:31:11.400 have stem cells they extract from you. But maybe they do, but I 361 00:31:11.400 --> 00:31:15.880 don't think they do. Somebody else wants to know. So that's the long 362 00:31:15.960 --> 00:31:25.519 short of it of regenerative therapies. Now, technically steroids are not regenerative. 363 00:31:26.079 --> 00:31:29.799 In fact, they're just the opposite. They do help, but they're degenerative 364 00:31:29.839 --> 00:31:37.240 over time. And pain medicines are not regenerative. They're masking remedies and therapies. 365 00:31:37.319 --> 00:31:41.480 Nothing wrong with it, but that's what they are. So you are 366 00:31:41.519 --> 00:31:45.799 going to hear regenerative therapy used a lot like Denver Region for example, Denver 367 00:31:45.839 --> 00:31:55.119 Region dot com I use. They do stem cell therapy. They extract them 368 00:31:55.119 --> 00:31:59.039 from you and reinject them. But they also do ones that are shipped in 369 00:31:59.119 --> 00:32:02.319 for certain things and they mix them with your own so they do a combination 370 00:32:02.480 --> 00:32:07.559 sometimes and then they do some PRP as well. And they're right here local 371 00:32:07.640 --> 00:32:13.000 denverregen dot com. Okay, so in any case, that is the story 372 00:32:13.000 --> 00:32:16.480 about Regenda tre medice. Now I have another question here. This is for 373 00:32:16.519 --> 00:32:20.839 some reason people detect it. Would it be a good idea to refinance your 374 00:32:20.839 --> 00:32:25.519 house loan to become debt free? Okay, this is a this is all 375 00:32:25.559 --> 00:32:31.799 in the math. If you can get a mortgage lower than what you're paying 376 00:32:31.839 --> 00:32:36.240 in credit cards, even though you have to turn in a mortgage that is 377 00:32:36.359 --> 00:32:40.160 low. Interesting for example, if you have a low rate like I think 378 00:32:40.160 --> 00:32:45.119 this person is three point five percent. If you what you have to do 379 00:32:45.279 --> 00:32:49.920 is say what am I paying right now? So if you have like I'm 380 00:32:49.960 --> 00:32:53.319 gonna use easy numbers. One hundred grand you're paying at three point five percent, 381 00:32:54.039 --> 00:32:59.720 and you're paying another twenty five at nineteen percent. You have to do 382 00:32:59.759 --> 00:33:04.400 a mathematical formula to find out your blended rate. Okay, so let's say 383 00:33:04.400 --> 00:33:09.000 your blended rate is twelve percent. Well, then yes, you refi because 384 00:33:09.079 --> 00:33:16.160 even if your mortgage goes to seven, your mortgage is still going to be 385 00:33:16.279 --> 00:33:22.200 seven. And then that twenty percent comes down to seven three point five goes 386 00:33:22.279 --> 00:33:25.279 up to seven, but when you do your blended rate, it'll still be 387 00:33:25.400 --> 00:33:30.759 lower than the blended rate you had beforehand. So it's all in the math. 388 00:33:30.160 --> 00:33:34.079 And if you don't know how to do a formula for blended rates, 389 00:33:34.519 --> 00:33:39.759 just ask someone or go online, use AI or something like that. But 390 00:33:39.880 --> 00:33:45.519 that's the magic of math. There is no opinion here. You should refi 391 00:33:46.279 --> 00:33:50.960 if your blended rate per month will be less. But there's one other thing 392 00:33:50.960 --> 00:33:53.519 you should keep in mind. I'll go over right after this. American Restoration 393 00:33:53.720 --> 00:33:58.200 is a company you hear me talk about. It's actually called American Restoration twenty 394 00:33:58.240 --> 00:34:01.359 four to seven because they are available twenty four to seven, as any restoration 395 00:34:01.440 --> 00:34:08.360 company should be. But the term restoration is used in a lot of situations. 396 00:34:08.559 --> 00:34:14.800 Sometimes they're not really restoration companies that all their carpet cleaners or their plumbers, 397 00:34:14.960 --> 00:34:19.639 or they're what contractors. Here's the deal. American Restoration has the EPA 398 00:34:20.199 --> 00:34:23.679 certifications, the knowledge that know how, the insurances and the bonding and everything 399 00:34:23.679 --> 00:34:28.880 you need to get the job done right. So please don't just call anyone 400 00:34:29.000 --> 00:34:32.079 ask about their qualifications. Do they know about unattended death, black mold, 401 00:34:32.119 --> 00:34:37.480 asbestos? Do they know about dangerous substances? Do they know how to abate 402 00:34:37.599 --> 00:34:43.880 things the proper way? And have they worked with insurance companies? That's what 403 00:34:43.920 --> 00:34:46.000 you want to know, And then you're going to call AMREST two four to 404 00:34:46.079 --> 00:34:52.159 seven dot com or American Restoration eight three three seven am REST that stands for 405 00:34:52.199 --> 00:34:57.360 American Restoration eight three three seven am REST. Hey, if you're looking for 406 00:34:57.599 --> 00:35:01.400 solar, and you should be, I'm not kidding. If you get a 407 00:35:01.440 --> 00:35:06.599 good company, Solar is Golden and Red Rocks roof and Solar is a great 408 00:35:06.599 --> 00:35:09.960 company. They use components sourced right here in the US, so that means 409 00:35:09.960 --> 00:35:14.760 you get a forty percent tax credit. They also have ways with commercial properties 410 00:35:15.639 --> 00:35:19.400 to get you a free solar system. It's paid for through depreciation, tax 411 00:35:19.440 --> 00:35:24.960 credits and a grant from REAPREAP. I want you to check them out redrocksars 412 00:35:25.079 --> 00:35:30.559 dot Com. They'll answer you honestly and openly and help you through your solar 413 00:35:31.000 --> 00:35:37.559 system everything from sales, insflllation and service three oh three seven zero four two 414 00:35:37.679 --> 00:35:44.719 four four nine. You know RVs I used to joke mean real vacation. 415 00:35:45.719 --> 00:35:49.119 Now recreational vehicles is what it really means. But you know what they are 416 00:35:49.199 --> 00:35:54.639 real vacations because you set your own schedule. And lazydays dot Com is the 417 00:35:54.760 --> 00:35:59.039 RV authority We're proud to represent because no matter where you go in the country, 418 00:35:59.039 --> 00:36:00.440 you're gonna find a Lazy Day And they have service centers, and they 419 00:36:00.440 --> 00:36:05.599 have lots for new and used RVs. They'll take yours in trade. They'll 420 00:36:05.599 --> 00:36:08.440 even buyer used RV. They have one right here, a brand new service 421 00:36:08.480 --> 00:36:15.039 facility, Exit two forty five on Frontage Road, right there, Lazy Days 422 00:36:15.199 --> 00:36:22.519 dot Com. Hey Tom Martino here. Now, one thing I wanted to 423 00:36:22.559 --> 00:36:25.920 say. I did want to talk about a blended rate consolidation caution, but 424 00:36:27.920 --> 00:36:30.119 I need to take Dave and then we'll get started with him, and then 425 00:36:30.159 --> 00:36:35.760 I'll talk about it's good to consolidate if you can get a lower blended rate. 426 00:36:35.800 --> 00:36:39.480 But there are some cautions when you do equity loans or refinancing to pay 427 00:36:39.480 --> 00:36:44.159 off debt that I'll go over, I promise you. But Dave, go 428 00:36:44.199 --> 00:36:46.400 ahead, and let's talk about this credit card fraud. What's going on? 429 00:36:49.079 --> 00:36:52.360 Hey? Tom, good morning. Hey, I've got I'm looking for some 430 00:36:52.400 --> 00:36:58.719 guidance on this. I head beck in May somebody. It's about a credit 431 00:36:58.760 --> 00:37:01.239 card in my name, has my address on it. How do you know? 432 00:37:02.960 --> 00:37:07.280 I got a bill? Okay, I got a bill from you know, 433 00:37:07.840 --> 00:37:12.239 like a visa All right? Card? Now, now, so you 434 00:37:12.320 --> 00:37:15.079 get the bill at your place, and did you look at the statement? 435 00:37:15.960 --> 00:37:21.119 Yes? Where were the charges made anywhere? Anywhere place you're familiar with. 436 00:37:22.639 --> 00:37:30.079 It's one charge and it's uh, somebody transferred from another credit card a card 437 00:37:30.639 --> 00:37:36.480 yeah, so and you're positive it's not you, so obviously. So how 438 00:37:36.559 --> 00:37:42.639 much is it about fifteen hundred bucks? Okay? Did you contact the company? 439 00:37:43.679 --> 00:37:46.559 I've contacted the company? You know? Is it? Is it a 440 00:37:46.639 --> 00:37:50.559 legit credit card? What credit card is it? Yes? Yes, it 441 00:37:50.599 --> 00:37:54.880 is. It's a Breeze Easy Visa signature card. Okay, I look it 442 00:37:54.960 --> 00:38:01.440 up online and you know everything else tells me it is okay, And so 443 00:38:01.559 --> 00:38:07.159 what do they say, Well, they say, what they want is my 444 00:38:07.480 --> 00:38:13.880 social security last to just my social security number and telephone number. Of course, 445 00:38:14.800 --> 00:38:16.559 I tell them I'm not willing to give it to them. Why, 446 00:38:17.800 --> 00:38:22.440 Well, I just figure that if they've got my name and everything else, 447 00:38:22.480 --> 00:38:25.840 they've got plenty of information. Yeah, but they want to see how much. 448 00:38:27.039 --> 00:38:30.719 Okay, I understand, I understand. Listen, here's what you do 449 00:38:30.800 --> 00:38:32.760 then, okay, I'm not going to tell you what to do as far 450 00:38:32.760 --> 00:38:37.199 as that goes. I would give them the last four digits and I would 451 00:38:37.199 --> 00:38:40.079 give them the information. But I'm going to give you some very important information 452 00:38:40.639 --> 00:38:45.039 on how to handle this, okay, and it's critical that you follow my 453 00:38:45.119 --> 00:38:46.920 steps. We'll do that right after this. I don't want to rush you. 454 00:38:47.639 --> 00:38:52.519 And a lot of people just face this. They do face this, 455 00:38:52.719 --> 00:38:55.280 and they want to know what the hell do I do because they're going to 456 00:38:55.320 --> 00:38:59.360 come after you, okay, especially if you don't cooperate, because if you 457 00:38:59.360 --> 00:39:02.440 don't cooperate, they're going to assume you're guilty. We'll address this right after 458 00:39:02.480 --> 00:39:19.440 that. Plus cautions on consolidation ripped up needed so you don't have come running. 459 00:39:19.679 --> 00:39:24.000 Just as fast as we can. Shooter's gonna help come. Man. 460 00:39:24.880 --> 00:39:31.159 This is the Troubleshooter Show. No Tom Martino, Hey, Tom Martino here, 461 00:39:31.159 --> 00:39:36.079 Welcome to the show. Three O three seven one three talk seven one 462 00:39:36.159 --> 00:39:39.360 three eight two five five. Okay, so listen, we have a number 463 00:39:39.400 --> 00:39:42.360 of discussions going on. I want to get right to him. I have 464 00:39:42.400 --> 00:39:45.400 John Fuller with me to my personal injury expert, my accident lawyer dot co. 465 00:39:45.880 --> 00:39:49.719 And he's talking about more than just a personal injury. But if you 466 00:39:49.760 --> 00:39:53.400 have any questions you can call him. I want to talk about this blended 467 00:39:53.480 --> 00:39:57.440 rat thing. Okay. Now, now again, it's a mathematical formula. 468 00:39:57.480 --> 00:40:00.280 So you have a certain percent you're like a certain amount of money you're paying 469 00:40:00.320 --> 00:40:02.760 at, let's say three percent on your house, and then you have credit 470 00:40:02.800 --> 00:40:07.280 card bills you're paying at nineteen percent or twenty percent. And then you have 471 00:40:07.360 --> 00:40:12.360 what's called a blended rate. That means you take the percentage you're paying at 472 00:40:12.400 --> 00:40:15.760 certain percentage and the other percentage're paying at another percentage, and you get a 473 00:40:15.760 --> 00:40:20.360 blended rate. A blended rate means your real rate you're paying every month for 474 00:40:20.440 --> 00:40:23.360 all your bills not just one of them. So if your blended rate turns 475 00:40:23.360 --> 00:40:30.639 out to be lower than your blended rate before a home equity loan, then 476 00:40:30.719 --> 00:40:34.639 that by all means refinance. So if you have a three point five percent 477 00:40:34.719 --> 00:40:39.360 loan, okay, and it's one hundred grand, let's say you're home I'm 478 00:40:39.440 --> 00:40:43.559 using fake numbers. But let's say your home loans one hundred grand and you're 479 00:40:43.559 --> 00:40:46.960 paying three point five percent and that's all you have, then you're blended rate 480 00:40:46.960 --> 00:40:51.920 at three point five percent. Right now, Let's say you have another one 481 00:40:52.000 --> 00:40:57.199 hundred grand in credit card bills. So let's say you're paying five percent on 482 00:40:57.239 --> 00:41:01.800 your home at one hundred grand, and you're paying ten percent or you're paying 483 00:41:01.880 --> 00:41:06.800 fifteen percent on the other one hundred grand. Then you can see where that 484 00:41:06.920 --> 00:41:10.000 average would be easy to figure out. Where it gets more difficult to figure 485 00:41:10.000 --> 00:41:14.679 out a blended rate is where you have different bills at different interest rates. 486 00:41:15.159 --> 00:41:19.360 But you can figure out a blended rate. When you do, you then 487 00:41:19.400 --> 00:41:23.000 compare it, and if you can refy your home and get a lower blended 488 00:41:23.079 --> 00:41:29.800 rate, you should do it. But there is some caution here. Here's 489 00:41:29.880 --> 00:41:37.599 the caution when you consolidate your credit cards. You're putting a lot of short 490 00:41:37.719 --> 00:41:45.320 term assets into a long term loan. That's not good financially because a lot 491 00:41:45.360 --> 00:41:51.800 of the things you're throwing in there might be vacations or clothes or an appliance 492 00:41:52.239 --> 00:41:57.800 that aren't meant to be financed for thirty years or twenty years. So it's 493 00:41:57.840 --> 00:42:02.880 a bad financial move, although it's saving you monthly. So what should you 494 00:42:02.960 --> 00:42:08.480 do about that? If you get a better blended rate, it's your turn. 495 00:42:09.199 --> 00:42:15.039 It's your chance. I should say to pay more than on the part 496 00:42:15.159 --> 00:42:22.599 of the principle that represents short term assets. So instead of paying mostly interest, 497 00:42:23.719 --> 00:42:30.280 because you've lowered your blended rate, you can now take extra money and 498 00:42:30.360 --> 00:42:36.000 put it toward the principle for that part of the principle that you need to 499 00:42:36.000 --> 00:42:42.320 pay off. The other thing you can do is this, You can also 500 00:42:42.559 --> 00:42:46.920 take the blended rate you have and keep it the way it is, but 501 00:42:47.000 --> 00:42:51.239 you can't keep adding to it. A lot of times, when people pay 502 00:42:51.280 --> 00:42:55.960 off their credit cards with an equity loan, they have empty credit cards and 503 00:42:57.159 --> 00:43:00.639 psychologically feel, oh, I can use that card, and so they start 504 00:43:00.760 --> 00:43:05.880 charging them up again, and they end up now with twice as much debt 505 00:43:06.159 --> 00:43:08.800 they have the debt they refit into their home that they had forgotten about, 506 00:43:09.119 --> 00:43:13.360 and now they have new debt piling up on their cards. So those are 507 00:43:13.360 --> 00:43:19.239 the two cautions. Pay off the principal quicker, the part that represents these 508 00:43:19.599 --> 00:43:24.880 these assets that won't last, or these or the makeup or the vacations or 509 00:43:24.920 --> 00:43:30.719 whatever. And then also don't keep loading up your cards. Now with the 510 00:43:30.760 --> 00:43:36.320 credit card fraud, Dave says, what do I do? They want the 511 00:43:36.400 --> 00:43:40.760 last four digits of my social and they want some other information. Well, 512 00:43:40.840 --> 00:43:45.280 Dave, I personally don't have a problem with that, but I'm not going 513 00:43:45.280 --> 00:43:47.559 to tell people to do it. So you really only have two choices, 514 00:43:47.760 --> 00:43:52.599 okay, really only two. One you cooperate with them and hope that they 515 00:43:52.639 --> 00:43:57.760 realize it's not you. But some people feel, oh, they're just going 516 00:43:57.840 --> 00:44:01.559 to use that information to shore up there information to see to make it look 517 00:44:01.679 --> 00:44:06.719 like me. But John Fuller, attorney at Law, I want to ask 518 00:44:06.719 --> 00:44:08.960 you, somebody, what do you think the chances are of a legit credit 519 00:44:08.960 --> 00:44:14.440 card company saying you call and say, somebody took out this card my name, 520 00:44:14.480 --> 00:44:16.800 it's not me, and they ask you for information. What do you 521 00:44:16.840 --> 00:44:21.360 think the chances are and I really want your honest opinion of them taking that 522 00:44:21.480 --> 00:44:24.519 information and now putting it into that application to make it look more like you 523 00:44:28.679 --> 00:44:32.000 fairly slim Tom. You know, the credit card companies can actually go out 524 00:44:32.039 --> 00:44:37.480 and do searches, and I only know this from personal experience, where you 525 00:44:37.519 --> 00:44:40.639 know, if they're looking for Tom Martino, they can put you know, 526 00:44:40.840 --> 00:44:45.760 or anybody really close to Tom, so you may get a same birthdate, 527 00:44:45.960 --> 00:44:50.400 or another Martino that lives, you know, one door down. And what 528 00:44:50.400 --> 00:44:54.039 they're trying to do is find somebody that's that's kind of impersonating somebody else or 529 00:44:54.719 --> 00:44:58.000 you know, that kind of stuff. And so they can already do that 530 00:44:58.079 --> 00:45:01.719 without the social so they likely found to you that way, and so all 531 00:45:01.719 --> 00:45:06.800 they're really probably trying to do is to verify that you are who you say 532 00:45:06.840 --> 00:45:08.800 you are. And that may be one step closer to getting it worked out, 533 00:45:09.199 --> 00:45:13.159 but I doubt that that's going to make them come after you any more 534 00:45:13.199 --> 00:45:15.639 than they already are. That's a thank you, that's well put, and 535 00:45:15.679 --> 00:45:19.239 that's the way. That's what I wanted to say, Dave. But like 536 00:45:19.280 --> 00:45:22.599 I said, you have two choices. One is to cooperate. The second 537 00:45:22.599 --> 00:45:27.320 one is not to cooperate. See just two choices. Now what happens if 538 00:45:28.039 --> 00:45:31.880 you don't cooperate, they're going to not believe you and they're going to come 539 00:45:31.920 --> 00:45:36.159 after you, which is fine. They can come after you. They're also 540 00:45:36.199 --> 00:45:40.159 going to try to maybe put it on your credit report. It's better if 541 00:45:40.199 --> 00:45:45.519 they come after you in court because what you'll simply do is show up at 542 00:45:45.559 --> 00:45:52.000 court and defend yourself. It's not me. They'll have to show signatures and 543 00:45:52.159 --> 00:45:57.639 proof, and they won't. They won't be able to. It's that simple. 544 00:45:57.920 --> 00:46:00.679 Okay. You can also exercise your rights, tom you can. You 545 00:46:00.760 --> 00:46:06.480 can you know, demand that they provide you written evidence of debt and you 546 00:46:06.519 --> 00:46:08.400 know, your signature, and I mean, you can go down that road 547 00:46:08.440 --> 00:46:12.760 and make them do that stuff. And they'll have to do that. But 548 00:46:13.119 --> 00:46:16.639 you know, chances are whoever opened that credit card, you know, probably 549 00:46:16.639 --> 00:46:20.239 did sign your sign, your name to it and stuff. So they may 550 00:46:20.280 --> 00:46:22.880 think that they're, you know, doing the lord's work here and that it's 551 00:46:22.880 --> 00:46:28.280 a completely legitimate prove of my and Dan. They're not. By the way 552 00:46:28.320 --> 00:46:30.760 the car opened. And that's why I want to say something. That's one 553 00:46:30.800 --> 00:46:36.519 of the reasons they want your the social and other information because they can't share 554 00:46:36.559 --> 00:46:39.480 the information with you unless they know who they're dealing with. And if it 555 00:46:39.519 --> 00:46:44.920 was John, John and Tom, if it was physically like a different state 556 00:46:45.000 --> 00:46:50.719 or city, that's also, isn't that Sometimes? Yeah, I mean if 557 00:46:50.719 --> 00:46:54.119 it was open in Georgia and he's in Colorado, that's certainly going to make 558 00:46:54.119 --> 00:46:59.079 his case for him. But let me explain something to people that they may 559 00:46:59.119 --> 00:47:01.800 not realize. And I don't mean to speak down to people, but this 560 00:47:01.840 --> 00:47:06.639 is something that we also have to realize. There are a lot of consumers 561 00:47:06.639 --> 00:47:12.800 who are really good at scamming this way. In other words, they actually 562 00:47:13.360 --> 00:47:17.360 send their credit card information to a relative in Georgia and they say, go 563 00:47:17.440 --> 00:47:22.639 on out to a Best Buy and let's buy two Giant TVs. You send 564 00:47:22.639 --> 00:47:25.840 me one and you keep one, and then I'm going to protest the charge. 565 00:47:25.960 --> 00:47:30.639 I mean, there are people that do that. So then they protest 566 00:47:30.679 --> 00:47:35.760 the charge saying I was never in what I haven't been in Georgia, you 567 00:47:35.840 --> 00:47:42.199 see. So that's why just saying someone else did it is not enough. 568 00:47:42.840 --> 00:47:47.079 But when push comes to shove, they have to show that it was you. 569 00:47:47.440 --> 00:47:52.199 And actually, even if you did one of those scams where you had 570 00:47:52.239 --> 00:47:58.760 a friend in Georgia buy you a big screen and bought themselves one, and 571 00:47:58.800 --> 00:48:02.320 then they that the credit card company takes you to court. Even in that 572 00:48:02.480 --> 00:48:07.119 case, they still have to prove it. And nobody's going to be able 573 00:48:07.119 --> 00:48:09.679 to prove it. I mean no, let's put it this way. No 574 00:48:09.719 --> 00:48:14.199 one will take the time to prove it. They'd go to look at the 575 00:48:14.239 --> 00:48:17.239 security footage when the purchase was made, see who the person is. I 576 00:48:17.239 --> 00:48:22.800 mean, come on, the practicality is they're not really going to come after 577 00:48:22.840 --> 00:48:29.000 you if you say it was fraud. Do you realize a line item for 578 00:48:29.119 --> 00:48:36.119 credit card issuers on fraud is just that they're right offs. They're right offs. 579 00:48:37.280 --> 00:48:40.559 That's why we pay the interest rates we pay. It's a calculated write 580 00:48:40.599 --> 00:48:45.360 off. So those are the two ways you deal with it. Three oh 581 00:48:45.400 --> 00:48:49.400 three seven one three talk Mitch, you have a question, Go ahead, 582 00:48:49.440 --> 00:48:55.519 sir. Yeah. My brother was you had a new plan built a stole 583 00:48:55.599 --> 00:49:01.320 at one of those little uh Bush pilot plane. Yeah and I yeah, 584 00:49:01.360 --> 00:49:05.559 I just got back and he had a trainer, he didn't have his license 585 00:49:05.679 --> 00:49:12.320 yet, and this girl was training it and they went to Oshkosh and dropped 586 00:49:12.360 --> 00:49:16.480 that plane on landing there stalled it and dropped it and he broke his pelvist 587 00:49:16.519 --> 00:49:21.199 and they hurt and they're not wanting to tell people. Well, hold on, 588 00:49:21.320 --> 00:49:22.920 let me, let me, let me analyze this. I don't know 589 00:49:22.960 --> 00:49:27.039 what you're saying. I don't know who you're who the bad guy is here, 590 00:49:27.079 --> 00:49:30.880 but hang on because it's interesting. Oshkosh is going on right now, 591 00:49:30.920 --> 00:49:37.199 the largest air show UH for UH for people, and we'll talk about that 592 00:49:37.239 --> 00:49:39.280 and more coming up. 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Then 616 00:51:36.320 --> 00:51:40.400 they come up with a plan or maybe some alternate plans, and then they 617 00:51:40.440 --> 00:51:45.280 have pricing along with those plans, flat rate pricing to get it all done. 618 00:51:45.559 --> 00:51:47.199 You decide how much you want to do. It's that easy. No 619 00:51:47.199 --> 00:51:52.480 one does business in a simpler fashion. Law KP dot com. That's Keel 620 00:51:53.199 --> 00:52:01.119 and Park Law KP dot com. Nine seven zero eight one eight eight eight. 621 00:52:02.239 --> 00:52:06.519 Hi Tom Martino here, I'm not sure where we're going with this, 622 00:52:06.599 --> 00:52:10.039 but let's start now, Mitch. He says his brother ordered an airplane from 623 00:52:10.119 --> 00:52:15.119 a factory I think he's talking about. And it's a stole airplane, meaning 624 00:52:15.159 --> 00:52:20.559 short takeoff and landing. It's for bush pilots or people, you know whatever. 625 00:52:20.920 --> 00:52:24.440 So he said he was taking the airplane to Oshkosh an air show and 626 00:52:24.480 --> 00:52:28.280 there was an accident. Now, Mitch, he left a lot of holes 627 00:52:28.280 --> 00:52:30.599 in the story. Let me ask you. Is this a factory built aircraft? 628 00:52:31.360 --> 00:52:35.199 No, he it was built at the factory, but he did he 629 00:52:35.199 --> 00:52:37.440 would fly there and do a lot of work as solf. Okay, So 630 00:52:37.519 --> 00:52:43.519 this is called they're they're called home built aircraft, or they're called experimental aircraft. 631 00:52:43.840 --> 00:52:46.960 It's where you participate in building at least fifty one percent of it, 632 00:52:47.199 --> 00:52:52.239 and sometimes factories set up workstalls where you can go and do the work. 633 00:52:52.599 --> 00:52:55.440 But they help you. Is that what he did? Ye? Okay, 634 00:52:55.679 --> 00:53:00.559 So he got this experimental aircraft and then he took delivery of it. And 635 00:53:00.599 --> 00:53:06.480 what happened then, Well, he took delivery and just finished it, and 636 00:53:06.519 --> 00:53:12.039 then he hired somebody, that instructor that wanted to get hours so to take 637 00:53:12.079 --> 00:53:15.719 it there so he could get flight time. I yet. Okay. Now 638 00:53:15.760 --> 00:53:19.760 when he took it there, did he go with the instructor? Yeah, 639 00:53:19.800 --> 00:53:23.599 he was in the plane. So he hired an instructor to take him in 640 00:53:23.679 --> 00:53:30.599 this plane to Oshkosh. Yeah from where? Uh, South Carolina, I 641 00:53:30.639 --> 00:53:36.119 believe. Okay. Then what happened, Well, when they came around you 642 00:53:36.159 --> 00:53:38.760 know that little grass one ray or something, she stalled the plane that dropped 643 00:53:38.760 --> 00:53:46.119 about thirty feet and the instructor stalled it too high. Yes, because we 644 00:53:46.199 --> 00:53:49.760 all stall when we land, right, that's what you do. You stall 645 00:53:49.840 --> 00:53:53.199 about six inches above the ground. Right. Okay, So so she miscalculated 646 00:53:53.519 --> 00:54:00.840 and she landed hard yep. And did it hurt him? Well, he 647 00:54:00.960 --> 00:54:04.880 cracked his pelvis. He's pretty sore. I don't think. Oh my gosh, 648 00:54:05.119 --> 00:54:08.480 did it did it destroy the aircraft? It's hard to tell, but 649 00:54:08.559 --> 00:54:14.159 yeah, all the framework inside and the landing gear is pretty much bent everywhere. 650 00:54:14.840 --> 00:54:17.840 Okay. And did she hold her did you say it was a she? 651 00:54:20.320 --> 00:54:24.719 Yeah? Did she hold herself out as an expert in that type of 652 00:54:24.760 --> 00:54:30.599 aircraft? You know? I don't know that part. She was the people 653 00:54:30.639 --> 00:54:36.840 that build and suggested her do it. Okay? And may I ask another 654 00:54:36.960 --> 00:54:42.400 question. When you build an experimental aircraft, whether it's at the factory or 655 00:54:42.440 --> 00:54:50.639 at your home, you're supposed to have the FAA or a designee inspected to 656 00:54:50.719 --> 00:54:57.559 get an air worthiness certificate, and then you're restricted around an airport for a 657 00:54:57.599 --> 00:55:01.360 certain amount of time before you you can fly across country. So did he 658 00:55:01.480 --> 00:55:06.719 do all of that? He was flying it there a little bit. I 659 00:55:06.760 --> 00:55:08.719 don't know how much, but uh, I'm going to it. Let's assume 660 00:55:08.800 --> 00:55:14.119 for argument's sake, he did everything legally to get it to where he could 661 00:55:14.159 --> 00:55:19.280 take it to Oshkosh, and then he hired this instructor. So is he 662 00:55:19.559 --> 00:55:24.920 wondering if he has a case against the instructor? I think so? He 663 00:55:24.960 --> 00:55:30.639 had insured for two hundred thousand, which it was probably worth or something. 664 00:55:30.639 --> 00:55:34.000 They didn't want to go through insurance or anything like that. Now, hold 665 00:55:34.039 --> 00:55:37.760 on, did he also have insurance on that for his medical payments or personal 666 00:55:37.840 --> 00:55:43.639 injury. Well that I don't know. I just left him, but he 667 00:55:43.719 --> 00:55:50.000 was pretty much Now is the instructor? Is the instructor hurt? I don't 668 00:55:50.039 --> 00:55:52.440 think so. I mean a little beat up, but not I don't think 669 00:55:52.480 --> 00:55:57.039 so. No, they walked away because let me just tell you something. 670 00:55:57.320 --> 00:56:02.719 And is the plane still there? Yeah, he had entrance company. They 671 00:56:02.760 --> 00:56:06.960 put it on the trailer and they're storing it there. Now. Okay, 672 00:56:07.000 --> 00:56:13.280 now you understand she could actually sue him. Do you understand that? No? 673 00:56:13.400 --> 00:56:19.800 I didn't because he built the plane. Yeah. And and this is 674 00:56:19.840 --> 00:56:23.840 the little known secret about experimental aircraft. You're taking full responsibility. She could 675 00:56:23.840 --> 00:56:29.679 claim that it was defective. And that's why she stalled it. She was 676 00:56:29.719 --> 00:56:32.159 trying to say that he was on the plane. And see she's already trying 677 00:56:32.159 --> 00:56:39.599 to say that. So John, this is a mess, right, John 678 00:56:39.639 --> 00:56:45.480 Fuller? Okay, the way here? Yeah, what do you think I 679 00:56:45.519 --> 00:56:49.119 mean he's worried about going after her, She has to worry about her coming 680 00:56:49.159 --> 00:56:55.920 after him. Yeah, I mean this is really more up your alley as 681 00:56:55.960 --> 00:57:00.960 far as the airplanes and stuff are concerned. But it just sounds like a 682 00:57:00.000 --> 00:57:05.960 mess when you're dealing with these homemade you know, yeah, planes and different 683 00:57:06.000 --> 00:57:10.039 certifications, and let's call it, let's call it an experimental car, let's 684 00:57:10.079 --> 00:57:15.880 call it a hot rod. Right, what would happen? I mean, 685 00:57:15.760 --> 00:57:23.159 you'd go to insurance first, right, for coverage for the injuries, of 686 00:57:23.199 --> 00:57:30.360 course, okay, and then after that you would go if you wanted to 687 00:57:30.400 --> 00:57:34.360 do. I mean, in other words, if you hire someone, you 688 00:57:34.440 --> 00:57:38.039 drive a race car driver to race drive your hot rod out to a car 689 00:57:38.119 --> 00:57:42.519 show, and you're with him and you get in an accident, I mean, 690 00:57:42.599 --> 00:57:46.920 either one can sue either one. Right, you could say he was 691 00:57:47.000 --> 00:57:52.800 driving recklessly. He could say it was effective. Well, of course, 692 00:57:52.880 --> 00:57:53.840 and one of the two of you is going to be right, or there's 693 00:57:53.840 --> 00:57:58.960 going to be an allocation of responsibility through you know, some sort of a 694 00:57:59.000 --> 00:58:02.119 comparative negligence or assumption of the risk or something along those lines. But I 695 00:58:02.159 --> 00:58:07.039 mean, listen, insurance is not a separately liable party. It's just a 696 00:58:07.079 --> 00:58:14.400 substitute payer for some person's liability. So if that if the if the pilot 697 00:58:14.599 --> 00:58:19.280 is negligent in the operation of the plane and crashes, and it's the pilot's 698 00:58:19.360 --> 00:58:23.079 fault, then the insurance company is going to pay for the damages that were 699 00:58:23.119 --> 00:58:29.760 done by the pilot. It's not Orange Company is a separately liable entity. 700 00:58:30.360 --> 00:58:35.960 Right. And here here's another thing. Okay, does she have anything? 701 00:58:36.000 --> 00:58:38.119 If you do? Sure, you know. Here's the other thing, Mitch, 702 00:58:38.159 --> 00:58:45.480 she has to look at Some instructors actually have insurance that they carry while 703 00:58:45.480 --> 00:58:51.800 they're instructing. Does she have insurance? I guess she should have. Well, 704 00:58:51.880 --> 00:58:57.599 not necessarily, not necessary, it's not required. So these are things, 705 00:58:58.440 --> 00:59:00.480 these are things he's going to have to look at, John, Right, 706 00:59:00.519 --> 00:59:06.199 But that would be a separate source of payment for her same liability. 707 00:59:06.880 --> 00:59:09.239 Right. And she may be covered as a driver or a pilot under his 708 00:59:09.360 --> 00:59:15.559 policy as a you know, an effective permissive user, or she may have 709 00:59:15.599 --> 00:59:22.039 coverage under her own instructors you know, liability policy or you know, or 710 00:59:22.079 --> 00:59:24.440 there may be any number of other you know, avenues of payment. But 711 00:59:24.480 --> 00:59:29.800 it's still her negligens. Now, if there's a product's liability type you know, 712 00:59:29.880 --> 00:59:34.400 component to this, the manufacturer or whoever that that entity would be, 713 00:59:34.519 --> 00:59:37.199 may have their own liability, or it may be it split between the pilot 714 00:59:37.360 --> 00:59:40.840 or the manufacturer. I like to think of it like this. You have 715 00:59:40.960 --> 00:59:45.119 one basket of damages. I mean, you just have one basket of damages. 716 00:59:45.199 --> 00:59:50.400 It's all your pain and suffering, it's your futures of everything. But 717 00:59:50.440 --> 00:59:54.920 it's still just one basket. Now, who's responsible for paying the basket off 718 00:59:55.559 --> 01:00:00.159 is a whole separate inquiry. And and there may be people that have have 719 01:00:00.840 --> 01:00:04.480 a small percentage of liability, maybe ten or fifteen percent. There may be 720 01:00:04.519 --> 01:00:08.199 people that own half of it or but you still just have one basket of 721 01:00:08.239 --> 01:00:15.760 damages that you look for everybody to be jointly responsible for. Yeah, it 722 01:00:15.880 --> 01:00:21.239 is really a weird, Mitch, it's a weird situation. Now, did 723 01:00:21.280 --> 01:00:24.760 your brother did he require medical attention? Well, he went to the hawk 724 01:00:24.840 --> 01:00:29.320 By did X ray, but there's nothing they can do on fracts of Pelvit's 725 01:00:29.360 --> 01:00:35.039 really he's just sore. But he was also saying that now that that's happened, 726 01:00:35.079 --> 01:00:37.960 because it was his plane, he's not able to get insurance that he 727 01:00:38.039 --> 01:00:43.880 gets another plane for five years. Is that true? Oh? If Yeah, 728 01:00:43.920 --> 01:00:46.920 for sure, I mean he's gonna have it. Well, especially an 729 01:00:46.960 --> 01:00:52.239 experimental plane, it's hard enough to get insurance on those. It's very any 730 01:00:52.679 --> 01:00:55.280 could yeah you can, Yeah, you can insure it. You can ensure 731 01:00:55.360 --> 01:01:00.599 anything. I mean, really, if you pay enough. Experimental aircraft are 732 01:01:00.639 --> 01:01:07.079 actually don't have a bad safety record really for those, but it has to 733 01:01:07.079 --> 01:01:09.119 be done properly and all of that. And then John, you know the 734 01:01:09.159 --> 01:01:14.320 fact there are two kinds of experimental aircrafts well, probably way more, but 735 01:01:14.360 --> 01:01:17.320 the two main kind is what's called a kit that you buy from a factory 736 01:01:17.519 --> 01:01:22.880 and it's been designed and it's been put together, it's been flown. And 737 01:01:22.920 --> 01:01:27.440 so then you get one of those kits or you literally buy plans and you 738 01:01:27.480 --> 01:01:30.480 go out and buy tubing and and materials and build it yourself. I mean 739 01:01:30.519 --> 01:01:36.039 there. Yeah, so with a factory, I don't know of any and 740 01:01:36.079 --> 01:01:43.239 I just looked it up ever of any kit manufacturers being held responsible for because 741 01:01:43.280 --> 01:01:49.039 all they're selling our parts or components. And then but it gets really hairy 742 01:01:49.440 --> 01:01:52.559 when they allow you to come to the factory and assist in the building process. 743 01:01:53.039 --> 01:01:57.039 And you know, it's let's put it this way, it's one of 744 01:01:57.119 --> 01:02:04.599 the last bastions of the frontier where people haven't been polluted yet. I mean, 745 01:02:04.880 --> 01:02:07.559 and it's it's quickly I can see it going away. I mean, 746 01:02:07.800 --> 01:02:12.760 and really you can also count on Tom, I mean in a completely voluntarily 747 01:02:13.039 --> 01:02:16.880 or voluntary environment. Courts are going to enforce waivers. And I can't see 748 01:02:16.880 --> 01:02:22.400 that any company would let somebody come into their place and participate in the construction 749 01:02:22.480 --> 01:02:29.239 of a plane without waving fifty eight ways from Sunday. Potential liability of that, 750 01:02:29.679 --> 01:02:34.960 you know, aircraft being unworthy down the road, don't you think absolutely? 751 01:02:35.000 --> 01:02:38.639 In fact, the Experimental Aircraft Association is called the EAA. They put 752 01:02:38.639 --> 01:02:44.400 on Oshkosh by the way. It's the largest pilots organization in the world. 753 01:02:45.360 --> 01:02:51.440 And what it does is that it lobbies specifically for this kind of stuff. 754 01:02:51.840 --> 01:02:55.960 So you you know they've been through it before. So Mitch what he should 755 01:02:57.000 --> 01:03:00.000 call them for information? Although I will tell you this, they're going to 756 01:03:00.079 --> 01:03:06.159 look askance at someone trying to collect from each other. It's almost like an 757 01:03:06.239 --> 01:03:10.039 unwritten rule that when you're involved in this kind of thing, leave that leave 758 01:03:10.079 --> 01:03:14.320 each other alone. You know what I'm saying. That's just the way it 759 01:03:14.400 --> 01:03:17.800 is. So it's it's a weird area of law. I personally have done 760 01:03:17.840 --> 01:03:23.599 an experimental aircraft from from from a kit and mine was even weirder because I 761 01:03:23.719 --> 01:03:30.239 hired professionals to help me, and and so it just gets so crazy. 762 01:03:30.840 --> 01:03:34.280 And when I sold mine, John, do you know I didn't sell an 763 01:03:34.280 --> 01:03:39.400 aircraft? Did you know that I sold his part part essentially? Yeah, 764 01:03:39.519 --> 01:03:45.079 that's that's exactly what I did. And not only did I sell parts, 765 01:03:45.119 --> 01:03:51.880 they were they were not airworthy until that person decided to assemble them or reassemble 766 01:03:51.920 --> 01:03:54.920 them or you know, inspect them, blah blah blah. So it's there's 767 01:03:54.960 --> 01:04:00.000 just so many things that that can go wrong, Mitch, I person. 768 01:04:00.159 --> 01:04:04.039 We don't think anything's going to come of this unless this person is heavily insured 769 01:04:04.159 --> 01:04:10.599 and totally misrepresented herself. Three oh three seven one three eight two five five. 770 01:04:11.599 --> 01:04:15.119 If you ask me what kind of windows I'll put in my house as 771 01:04:15.159 --> 01:04:19.719 a replacement window, I truly would tell you Alpin windows, made right here 772 01:04:19.719 --> 01:04:24.800 in Colorado. Now, prior to Alpin going residential, I would have picked 773 01:04:24.840 --> 01:04:30.079 something else, but Alpin is the window. I'd use a thermally insulated fiberglass 774 01:04:30.119 --> 01:04:36.840 frame and also an unbelievable glass panel that's insulated, and it's all done right 775 01:04:36.840 --> 01:04:40.400 here in Colorado, so you don't have any bleed off once it gets to 776 01:04:40.440 --> 01:04:44.760 our altitude because it's already here. And then you have the oldest home improven 777 01:04:44.800 --> 01:04:51.480 company in all of Colorado, exclusively dealing them for Alpin Khome Solutions, Kchwindows 778 01:04:51.519 --> 01:04:56.360 dot com three oh three four two one seventy one hundred. Hey, if 779 01:04:56.360 --> 01:05:00.519 you're looking for floor coverings, I love Buddy and Karen mitche the mom and 780 01:05:00.599 --> 01:05:04.840 pop shop. I call Simply Floors Inc. Dot Com. Not so small 781 01:05:04.960 --> 01:05:10.079 mom and pop where they can't get you great prices, but not so big 782 01:05:10.400 --> 01:05:15.199 where they forget your name. Buddy and Karen and the team. We'll serve 783 01:05:15.239 --> 01:05:19.400 you at three locations showrooms, or they'll come to you. Start out right 784 01:05:19.440 --> 01:05:24.719 here, Simply Floors, Inc. That's I n C. Simply Floors Inc. 785 01:05:25.119 --> 01:05:31.519 Dot Com. Hi, Tom Martino here three O three seven one three 786 01:05:31.599 --> 01:05:38.199 talk seven one three eight two five five. Welcome to the show. Here 787 01:05:38.239 --> 01:05:43.440 to help you solve problems, answer questions, take complaints. Hey Tom, 788 01:05:43.440 --> 01:05:46.880 Can I ask John a question? Yes, sir? Hey John, Yes, 789 01:05:46.920 --> 01:05:49.840 sir. I took your advice. I went on board a uh A 790 01:05:49.960 --> 01:05:55.199 dash cam right on I was watching some Let's have a question for you. 791 01:05:55.519 --> 01:06:00.719 It's obvious that when I've seen these videos where somebody break check somebody and they 792 01:06:00.800 --> 01:06:05.440 hit them, that the piece and who break checked them is liable. So 793 01:06:05.639 --> 01:06:09.960 my question is, if what a stupid thing to do to you? What 794 01:06:09.960 --> 01:06:15.119 are you trying to punish someone so you know they're trying Oh you mean they're 795 01:06:15.119 --> 01:06:17.320 doing it on purpose. I thought it was like you're pissed off they're following 796 01:06:17.360 --> 01:06:21.000 too closely. No, they're doing it to try and get an insurance claim. 797 01:06:21.199 --> 01:06:25.960 But my question is this, Sean, if somebody break checks you and 798 01:06:26.000 --> 01:06:30.920 then you're a responsible citizen and you wait and let them pull up and they 799 01:06:30.039 --> 01:06:34.039 keep doing it. I know you're supposed to say X number of car links 800 01:06:34.320 --> 01:06:38.679 behind the person in front of you, but if they keep break checking you 801 01:06:39.079 --> 01:06:43.119 and let's say you go into them, are you liable because you weren't far 802 01:06:43.199 --> 01:06:47.719 enough away. So you're wondering if after a certain threashold you can just go 803 01:06:47.760 --> 01:06:49.760 ahead and hit them. Is that right? No? No, no, 804 01:06:49.760 --> 01:06:55.639 no. No. Question is if you know, let's say your three car 805 01:06:55.719 --> 01:07:00.639 lengths behind, and then you know they keep break checking you, are you 806 01:07:00.760 --> 01:07:06.719 responsible or is it a deliberate attempt to create ashurance fraud? Doctor could go 807 01:07:06.840 --> 01:07:11.760 either way. You know. The beauty of a webcam or a dash cam 808 01:07:11.840 --> 01:07:15.960 is that you're going to have a video of exactly what transpired. Ultimately, 809 01:07:15.079 --> 01:07:17.920 if you're the guy who's claiming the other guy who's at fault, you have 810 01:07:18.000 --> 01:07:20.840 the burden of proof, just like I said the other day, and you're 811 01:07:20.880 --> 01:07:25.400 going to have to prove that his negligence was greater than yours. And so, 812 01:07:26.159 --> 01:07:29.400 you know, we've all heard of people that do this scoop and squad 813 01:07:29.480 --> 01:07:30.760 or whatever they call it, where they pull in front of you and then 814 01:07:31.199 --> 01:07:34.800 lock up the brakes and try to make you run into them. I don't 815 01:07:34.800 --> 01:07:41.639 know if that's exactly the same as a breakcheck. Usually a breakecheck involves at 816 01:07:41.719 --> 01:07:45.480 a road rage or something to where they got is upset at you and that 817 01:07:45.559 --> 01:07:48.360 kind of stuff, and then you know, really the purpose of the breakcheck 818 01:07:48.599 --> 01:07:53.599 is is almost more of an assault of sorts, you know, against the 819 01:07:53.639 --> 01:07:57.400 other party to make them almost have an accident. You know, I don't 820 01:07:57.400 --> 01:08:00.000 think really most people that are breakchecking are trying to get you to run into 821 01:08:00.039 --> 01:08:04.480 them. They're just trying to fact that I looked it up here and they 822 01:08:04.559 --> 01:08:09.840 say that. Most of the time they're trying to tell you to back off. 823 01:08:10.199 --> 01:08:14.159 But there are cases where people have tried to put in insurance claims and 824 01:08:14.280 --> 01:08:17.159 so it's both really, but most of the time it's just like saying, 825 01:08:17.359 --> 01:08:20.800 stay off my back, you know, right. So what was your actual 826 01:08:20.880 --> 01:08:26.079 question, though, Doc? What are you asking? Is it? Ever? 827 01:08:26.239 --> 01:08:30.680 Are you ever held responsible for running into someone who breaks checks? Really? 828 01:08:30.800 --> 01:08:33.960 That's basically my question. The legal presumption is that you're at fault if 829 01:08:33.960 --> 01:08:39.760 you rear in somebody. So it's a rebuttable presumption. But to rebutt it, 830 01:08:39.800 --> 01:08:43.399 you're going to have to prove that they were more negligent than you in 831 01:08:43.439 --> 01:08:46.960 the cause of that accident. That's the legal answer. You're presumed to be 832 01:08:47.000 --> 01:08:51.079 at fault because you ran into a car from behind. But it is a 833 01:08:51.119 --> 01:08:56.359 rebuttable presumption, and one of those factors is going to be your nice new 834 01:08:56.439 --> 01:09:01.399 video. Great okay, speaking of that, I just got a text on 835 01:09:02.000 --> 01:09:11.039 this here and it says, here, what happens when you hit a bicyclist 836 01:09:11.159 --> 01:09:15.600 a cyclist at a four way stop? They don't stop anymore? John? 837 01:09:15.840 --> 01:09:19.279 Is that the same? I mean, you're not automatically guilty, are you? 838 01:09:21.039 --> 01:09:27.600 Well? I hate that because I think bicyclists also have you know, 839 01:09:27.920 --> 01:09:31.039 they have their own responsibility to not be negligent. And I think before you 840 01:09:31.079 --> 01:09:35.800 blow through an intersection, even though you don't technically have a duty to stop. 841 01:09:35.960 --> 01:09:42.199 I think you have a duty to not create an impediment by blowing through 842 01:09:42.199 --> 01:09:45.039 a stop sound when there are other people that have the legal right away. 843 01:09:45.720 --> 01:09:47.239 So I don't think you get to have your cake and eat it too, 844 01:09:49.039 --> 01:09:53.800 Okay, three, all three seven. Yeah, it makes a lot of 845 01:09:53.840 --> 01:09:58.800 sense. Yes, sure, I mean, but unfortunately that's a whole different 846 01:09:58.840 --> 01:10:02.399 bugaboo for me and I. You know, I have a really nice mountain 847 01:10:02.399 --> 01:10:05.560 bike or hybrid bike, and it's an e bike. It's not a free 848 01:10:05.560 --> 01:10:10.600 wheeling scooter. It's not one of these big giant things you press the button 849 01:10:10.680 --> 01:10:14.159 and go, but it's a pedal assist if you want it. And I 850 01:10:14.199 --> 01:10:20.039 love riding, but I also there's just this prevailing attitude from cyclists and it's 851 01:10:20.159 --> 01:10:25.359 almost like they're angry all the time. You would think you'd smile when you're 852 01:10:25.359 --> 01:10:29.439 out riding your bicycle, they seem to be so damn angry. I don't 853 01:10:29.439 --> 01:10:32.079 get it. Yeah, you know, I tend to default to the rule 854 01:10:32.079 --> 01:10:36.640 of gross tonnage, which is kind of a boating term. But you know, 855 01:10:36.760 --> 01:10:41.359 the guy, the guy who's bigger, badder and has the right away 856 01:10:41.600 --> 01:10:45.880 he has the right away. Exactly. It's better to be wrong and alive 857 01:10:46.079 --> 01:10:50.840 than right and dead, you know, So I don't know you're right. 858 01:10:50.880 --> 01:10:55.479 There is that kind of you know, that mentality, and I think it 859 01:10:55.560 --> 01:11:00.520 comes from just so many people that you know, drive to close leave it, 860 01:11:00.279 --> 01:11:03.239 yeah, push him off the road that do a lot of stuff that 861 01:11:03.239 --> 01:11:06.319 they really shouldn't do, so to a two way street. And I, 862 01:11:06.520 --> 01:11:10.159 you know, I used to spend a lot of time on a road bike 863 01:11:10.239 --> 01:11:13.680 and stuff, so I've seen it all. But I got a trivia question. 864 01:11:14.159 --> 01:11:17.079 I got a trivia question. A right of way in the air. 865 01:11:18.359 --> 01:11:24.920 A hot air balloon is there and it wanders off into some controlled airspace, 866 01:11:25.359 --> 01:11:30.000 and there's an airliner who has the right away. I would guess the hot 867 01:11:30.039 --> 01:11:34.000 air balloon dust as he's restricted in his maneuverability. That's exactly right. That's 868 01:11:34.039 --> 01:11:41.119 in fact, the law reads, the less maneuverable aircraft has the right away. 869 01:11:41.319 --> 01:11:45.199 Ding ding, ding ding. You should get my dinger. All right? 870 01:11:45.239 --> 01:11:51.079 We got more coming right up. Okay, And for solar, you 871 01:11:51.159 --> 01:11:56.479 want to go to Red Rocks roof and solar. Red Rocks does forty tax 872 01:11:56.560 --> 01:11:59.720 credits because all of their materials are made right here in the US. They 873 01:11:59.760 --> 01:12:02.159 also it can help you with loans, and they can help you with other 874 01:12:02.319 --> 01:12:06.119 aspects including installation and service. In fact, if you didn't even buy the 875 01:12:06.439 --> 01:12:10.560 system from them and you need service, they do that too. They're great 876 01:12:10.560 --> 01:12:14.399 people. When it comes to solar, call what I call the solar Authorities 877 01:12:14.680 --> 01:12:17.560 Red Rocks, Roof and Solar. And for commercial systems they can show you 878 01:12:17.600 --> 01:12:21.479 how to get at one hundred percent paid for three oho three seven zero four 879 01:12:21.960 --> 01:12:28.760 two four four nine. The Artofgrantite dot com. I love the art of 880 01:12:28.800 --> 01:12:32.600 granted because Mitch loves giving prices on the phone. Man. When companies do 881 01:12:32.680 --> 01:12:38.000 that, you know they're proud of their pricing and they want to do an 882 01:12:38.119 --> 01:12:42.000 open, honest business with you, whether it be Granted, Quartz, quartz 883 01:12:42.039 --> 01:12:45.640 site, marble, any material. In fact, they charge wholesale on all 884 01:12:45.680 --> 01:12:51.119 materials and you only pay a markup for fabrication and installation. That's it, 885 01:12:51.520 --> 01:12:56.239 now, here's the deal. They tear out and haul away free as well, 886 01:12:56.279 --> 01:12:58.720 and they give you prices on the phone, and if you get the 887 01:12:58.760 --> 01:13:03.840 materials from their from their remnant yard, the materials are free. Call them 888 01:13:03.880 --> 01:13:09.600 the Artigranite dot com. Get your price right now three oh three three eight 889 01:13:09.720 --> 01:13:15.279 six fifty nine nineteen. Hey, I want to talk to Joseph Canno. 890 01:13:15.359 --> 01:13:18.359 I got a question here, Joe. Somebody texted me and said, they 891 01:13:18.359 --> 01:13:21.880 have a four to one K, but they're still working. Okay, they're 892 01:13:21.880 --> 01:13:25.720 over fifty nine and a half, so they're like in their sixties. But 893 01:13:26.479 --> 01:13:30.359 they want to know. They heard about an in service rollover, so they 894 01:13:30.399 --> 01:13:33.600 want to know can they continue working and keep the four oh one K, 895 01:13:34.000 --> 01:13:39.640 but at least put some of it into an annuity for the future. That 896 01:13:39.760 --> 01:13:44.039 is right though, you know, that's exactly what it's called in service transfer. 897 01:13:44.680 --> 01:13:49.680 And as longer excuse me, fifty and a half, you will be 898 01:13:49.720 --> 01:13:54.239 able to take money out of the four oh one K and put it into 899 01:13:54.359 --> 01:13:58.720 safety with our annuity, you know, and there's no penalty, right, 900 01:13:58.840 --> 01:14:02.239 no tax event. In fact, some people take the entire amount of their 901 01:14:02.319 --> 01:14:05.119 four oh one K, you know, they don't have to close the four 902 01:14:05.119 --> 01:14:11.079 a one K. They can continue to work and the implorer will actually match, 903 01:14:11.920 --> 01:14:15.680 you know, the contributions that the employee's making, so they can actually 904 01:14:15.760 --> 01:14:18.239 take a portion of it, or they can take the whole amount out of 905 01:14:18.239 --> 01:14:23.079 the four to one k. I suppose they are fifteen over fifty nine and 906 01:14:23.119 --> 01:14:27.000 a half. I don't care if they're working. They can do that. 907 01:14:27.520 --> 01:14:30.520 Now, there was something that came up yesterday I wanted to ask you real 908 01:14:30.600 --> 01:14:34.840 quick. We talked about we always talk about rolling over a lump sum you 909 01:14:34.960 --> 01:14:40.079 might have in a retirement account. But let's say you save some money, 910 01:14:40.159 --> 01:14:43.800 okay, and you got money in the bank. I mean, there's nothing 911 01:14:43.840 --> 01:14:47.840 to prevent you from converting some of that money. Again, you don't always 912 01:14:47.840 --> 01:14:50.680 put all your eggs in one basket, but you can take a lump sum 913 01:14:50.720 --> 01:14:55.880 of some of your money and do an annuity and get tax deferrals. Right. 914 01:14:56.479 --> 01:15:00.760 Absolutely, that's what they call a non qualified annuity. Non Qualified means 915 01:15:01.039 --> 01:15:06.000 that the money that you're putting into the annuity has already been taxed previously with 916 01:15:06.159 --> 01:15:12.079 a savings account, investment accounts, broker's accounts, whatever. That is not 917 01:15:12.199 --> 01:15:15.359 an IRA, not a four one K, that's qualified account. So when 918 01:15:15.399 --> 01:15:18.479 you pull it out, you don't pay tax on the full amount. Then 919 01:15:19.119 --> 01:15:23.720 that is right. Then they're going to tax to you on the money that 920 01:15:23.760 --> 01:15:28.640 you already pay taxes on. That's the beauty of non qualified annuities now is 921 01:15:28.680 --> 01:15:32.319 that done automatically, Joe. So if you have a non qualified like and 922 01:15:32.359 --> 01:15:38.159 you start taking income, who figures out the tax ode on that that company, 923 01:15:38.359 --> 01:15:42.199 that company that has the annuity will figure that out, and then you'll 924 01:15:42.239 --> 01:15:46.359 automatically only pay tax on the amount of gain on the gain. That is 925 01:15:46.439 --> 01:15:50.479 correct. That's absolutely correct. And a lot of people have both. They 926 01:15:50.479 --> 01:15:56.560 have a qualified annuity and they have a non qualified annuity, so they can 927 01:15:56.600 --> 01:16:00.279 actually and you know something else real quickly, then well, if that annuity 928 01:16:00.760 --> 01:16:06.159 doesn't have any mandates like the rmbs that require a minimum distributions exactly who that 929 01:16:06.720 --> 01:16:11.439 let's see total like almost like a beautiful right, let me give out your 930 01:16:11.520 --> 01:16:15.079 number three oh three seven seven nine sixty six hundred. Appreciate that shoe seven 931 01:16:15.239 --> 01:16:20.359 seventy nine sixty six hundred. My moneymway dot com. And by the way, 932 01:16:20.399 --> 01:16:25.439 you call us now get on the show, get help information referrals three 933 01:16:25.520 --> 01:16:29.359 oh three Martino. Leave a message if we're not there in the evenings and 934 01:16:29.359 --> 01:16:46.239 we'll get back to you three oh three Martino News need advice, so you 935 01:16:46.359 --> 01:17:00.000 don't have Shooter's gonna help. Come man, this is the Troubleshooter Show. 936 01:17:00.119 --> 01:17:03.279 Know Tom Martine Hey, I'm Tom Martino. Welcome to the show. Three 937 01:17:03.399 --> 01:17:09.239 O three East seven one to three Talk three oh three seven one three eight 938 01:17:09.279 --> 01:17:13.159 two five five. Welcome. What's going on in your life? If you 939 01:17:13.199 --> 01:17:15.199 need help with a consumer problem, don't wait, get it done as soon 940 01:17:15.239 --> 01:17:20.279 as possible, and uh get a call to us and we'll try to work 941 01:17:20.319 --> 01:17:26.119 on it and do what we can to solve your problems. And uh, 942 01:17:26.159 --> 01:17:29.159 some of the problems that have been coming up lately very interesting. First of 943 01:17:29.199 --> 01:17:32.600 all, Uh, we have John Fuller with us. People have had some 944 01:17:32.760 --> 01:17:39.319 questions on personal entry one, including on aircraft accident with an instructor? Can 945 01:17:39.359 --> 01:17:45.840 an instructor be held responsible? Almost anyone can be held responsible for anything if 946 01:17:45.880 --> 01:17:50.880 the evidence shows. But that doesn't count as much as where do you get 947 01:17:50.920 --> 01:17:56.079 paid? You know, so many people overlook that. Even with malpractice, 948 01:17:57.239 --> 01:18:00.840 Yeah, even if even if, even if you prove malt, sometimes what 949 01:18:00.880 --> 01:18:04.359 are the damages? And John, with malpractice And I don't mean to pick 950 01:18:04.399 --> 01:18:09.520 on malpractice, because there have been giant lawsuits for malpractice around the country. 951 01:18:09.520 --> 01:18:14.920 But one of the things that I find again, you know, the last 952 01:18:14.920 --> 01:18:20.640 thing in the world people want to do is try to instruct people on how 953 01:18:20.640 --> 01:18:24.439 they're not going to get what they think. In other words, when people 954 01:18:24.520 --> 01:18:28.039 call me on the show about any kind of a problem, I hate telling 955 01:18:28.079 --> 01:18:30.880 them, well, you know, there's not much we can do for you, 956 01:18:31.039 --> 01:18:35.840 but let's talk about malpractice in that regard. For example, there are 957 01:18:35.920 --> 01:18:43.000 people who went through excruciating pain and oh, they they left something in me, 958 01:18:43.800 --> 01:18:47.039 and then they corrected it immediately. Okay, I know that sounds horrific, 959 01:18:48.039 --> 01:18:54.920 but it happens, and it's ridiculous. So they oh, imaging showed 960 01:18:54.960 --> 01:18:59.560 something was in them. That image horrified the person, and then you hear 961 01:18:59.840 --> 01:19:06.479 I could have they should have almost died, almost almost exactly, or almost 962 01:19:06.520 --> 01:19:11.800 paralyzed for life. I've hearn this. But then they corrected it, and 963 01:19:11.840 --> 01:19:16.000 they corrected it immediately, and they corrected it without further harm and without further 964 01:19:16.199 --> 01:19:23.680 cost. As crazy as you might not, as crazy it might seem to 965 01:19:23.760 --> 01:19:29.560 you, there may not be enough damages to go after they went and messed 966 01:19:29.640 --> 01:19:33.560 up your perfectly good case. Can you believe that? Mm hmm? And 967 01:19:33.680 --> 01:19:39.800 really, John, Yeah, go ahead, you bring up a great point. 968 01:19:39.920 --> 01:19:43.079 I mean, you know, and we laugh about it, we make 969 01:19:43.159 --> 01:19:45.760 jokes, and oh, you had a perfectly good case up until you survived 970 01:19:45.520 --> 01:19:49.199 and and all that stuff, but it's not a laughing matter. I mean, 971 01:19:49.960 --> 01:19:54.960 people get hurt all the time by doctors. But here's the reality. 972 01:19:55.359 --> 01:20:00.159 Doctors are people just like anybody else, and sometimes they make mistakes. Those 973 01:20:00.199 --> 01:20:05.760 mistakes are called malpractice. But sometimes we just have bad outcomes. Even despite 974 01:20:05.800 --> 01:20:12.399 the very best, you know, the practices getting employed, sometimes things just 975 01:20:12.880 --> 01:20:16.079 happen and you end up with a bad outcome. And I mean I've probably 976 01:20:16.119 --> 01:20:21.319 done a thousand intakes for medical malpramics. I began my career in a men 977 01:20:21.399 --> 01:20:28.039 MAOL firm, and I bet ninety five or so percent of the cases that 978 01:20:28.079 --> 01:20:31.000 we would get to call in were just bad outcomes, you know, just 979 01:20:31.560 --> 01:20:35.159 something didn't go the way it was supposed to. And only when you have 980 01:20:35.880 --> 01:20:43.520 an actual mistake that is coupled with real live damages that were caused by that 981 01:20:43.640 --> 01:20:47.800 mistake, are you in the realm of medical malpractice? And John and that 982 01:20:47.840 --> 01:20:50.279 got a lot of shocked to people, don't you think a lot of it 983 01:20:50.359 --> 01:20:55.680 is communication, both before and afterice. I mean, when we go over 984 01:20:55.800 --> 01:21:00.439 surgery, you try to be as honest as you can about what the possible 985 01:21:00.800 --> 01:21:05.079 the outcomes might be. And then if some of that happens. Talking to 986 01:21:05.119 --> 01:21:12.159 the patient explaining why it happened and what the remedy is really takes away a 987 01:21:12.159 --> 01:21:15.960 lot of the anger that patients have. Yeah, well, I think you 988 01:21:15.319 --> 01:21:20.439 bring up a great point. And but again, any bad outcome is going 989 01:21:20.479 --> 01:21:24.399 to looked at or it's going to be looked at with a jaded eye, 990 01:21:24.399 --> 01:21:29.760 because people think that, you know, anything less than the best outcome must 991 01:21:29.800 --> 01:21:33.680 be the result of some mistake. And they have a really hard time accepting 992 01:21:33.720 --> 01:21:39.279 the fact that sometimes bad things just happen, even despite the best and the 993 01:21:39.319 --> 01:21:44.560 most appropriate efforts by the good doctor. But there are things that we tell 994 01:21:44.640 --> 01:21:49.239 people that are known complications. Sure, and sign a whole big form that 995 01:21:49.279 --> 01:21:54.159 says the same thing, listing out five hundred different things that could go bad. 996 01:21:55.079 --> 01:21:57.800 But people just sign those and think, God, it's for other people, 997 01:21:57.840 --> 01:22:03.479 that's not for me, right, ah you Okay, So here's the 998 01:22:03.560 --> 01:22:12.720 deal. It's it's the kind of thing that if you have permanent damage but 999 01:22:12.960 --> 01:22:20.239 temporary discomfort doesn't rise to the level. And and and we had one case 1000 01:22:20.279 --> 01:22:26.520 where an infant baby, oh my god, was given some drops okay of 1001 01:22:26.560 --> 01:22:33.359 medicine and horrific mistake was made she never gave the drops to her baby. 1002 01:22:33.760 --> 01:22:36.640 I don't forget. Oh god, it was so long ago. I forget 1003 01:22:36.640 --> 01:22:43.680 how it was decided. Yeah, it was so was it nitro or something 1004 01:22:43.800 --> 01:22:49.279 for heart or it would have killed her baby instant instantly forgetting it? It 1005 01:22:49.359 --> 01:22:55.520 didn't. And John, this person was so upset she wanted to sue. 1006 01:22:55.960 --> 01:23:00.399 And I said, but how do you explain? Okay, but what are 1007 01:23:00.439 --> 01:23:02.680 you suing for? Can you sue? I guess I'm going to ask, 1008 01:23:02.880 --> 01:23:06.640 can you sue for being scared? Can you ever sue for being scared? 1009 01:23:06.960 --> 01:23:11.159 Or what could have happened? I don't know. I mean, I guess 1010 01:23:11.159 --> 01:23:14.760 you could sue, right, but you know in a vacuum. Yes, 1011 01:23:15.920 --> 01:23:21.840 general distress is a real and it certainly can follow some really egregious behavior. 1012 01:23:21.920 --> 01:23:26.920 But you know, I recall that that that copulter call. I think you 1013 01:23:26.960 --> 01:23:30.359 guys brought me in on it. And you know, despite telling this lady 1014 01:23:30.399 --> 01:23:33.800 that, look, I mean, good on you. You discovered it. 1015 01:23:33.840 --> 01:23:36.960 You didn't give it to your child. If you had given it to your 1016 01:23:38.039 --> 01:23:43.079 child, yes, but thank god you didn't, and your child's okay, 1017 01:23:43.119 --> 01:23:47.600 And you discovered it, so your damages are very, very small compared to 1018 01:23:47.640 --> 01:23:50.680 what might have been if you had, you know, if you had given 1019 01:23:50.720 --> 01:23:56.680 that to your child, and thank goodness that you didn't. That's right. 1020 01:23:57.159 --> 01:24:01.359 It's a hard concept for people to get there so mad about what might have 1021 01:24:01.520 --> 01:24:06.119 been that it's very difficult for them to sometimes step back and go, wait 1022 01:24:06.159 --> 01:24:11.239 a minute, thank god, what that what might have been didn't happen. 1023 01:24:11.359 --> 01:24:14.920 I mean, I could make a kamala joke here about the things that were 1024 01:24:15.000 --> 01:24:18.399 that aren't that were that was, you know, but but the work salad, 1025 01:24:18.439 --> 01:24:24.159 but exactly, but thank god they didn't happen, and as a result, 1026 01:24:24.239 --> 01:24:30.000 you don't have any damages to sue about. Okay, So on this 1027 01:24:30.319 --> 01:24:32.159 I have an I have another question here. Let me see. I'm going 1028 01:24:32.199 --> 01:24:39.039 to this text. By the way, I'm accepting texts on a personal Google 1029 01:24:39.119 --> 01:24:42.880 number I've had for years and I've opened it up to the public now twenty 1030 01:24:42.920 --> 01:24:45.239 four to seven, and I will use it on the show and you can 1031 01:24:45.359 --> 01:24:53.640 reach me. It's seven four seven eight. Anyway, here's bottom line. 1032 01:24:54.359 --> 01:24:59.039 My ex roommate left a car in my garage. It is not roadworthy, 1033 01:24:59.560 --> 01:25:03.920 but they have not gotten it out of my garage. Okay, so what 1034 01:25:04.000 --> 01:25:10.800 can I do if this vehicle is all but abandoned. Well, that's the 1035 01:25:10.840 --> 01:25:14.119 whole point, is it? Abandon John? We get this a lot with 1036 01:25:14.239 --> 01:25:16.600 different things. But let me ask you, what would you do if you 1037 01:25:16.640 --> 01:25:19.680 had a roommate or somebody and they left a car behind. What would you 1038 01:25:19.680 --> 01:25:27.640 do? I'm assuming they're the owner of the property, the person who's writing 1039 01:25:27.680 --> 01:25:31.479 me. So what would you do? I mean, you have a car 1040 01:25:31.560 --> 01:25:38.199 there, you know, I always say common sense, but I don't know 1041 01:25:38.520 --> 01:25:43.239 if this person has it towed away or to a junkyard, an impound or 1042 01:25:43.279 --> 01:25:45.640 whatever. I don't know. Do you sneak it out in the middle of 1043 01:25:45.680 --> 01:25:48.439 the night so it gets towed off the street? What do you do? 1044 01:25:49.720 --> 01:25:55.159 Well? I think you would. I think you would start by giving notice 1045 01:25:55.159 --> 01:25:58.760 to the actual owner, you know, sending sortified letters and I'm going to 1046 01:25:58.760 --> 01:26:01.239 get rid of this. It's a property. If you don't come and secure 1047 01:26:01.239 --> 01:26:04.600 it, I mean, you've got kind of a notice problem. And I 1048 01:26:04.640 --> 01:26:09.800 don't know that the law imposes that, but I certainly think to cut off 1049 01:26:09.840 --> 01:26:13.920 at the past any attempts to suggest that you owe them for their their property. 1050 01:26:14.039 --> 01:26:15.920 Once you've gotten rid of it, you know, put them on notice 1051 01:26:15.920 --> 01:26:20.279 that you're going to get rid of it. And then that's a crazy idea 1052 01:26:20.399 --> 01:26:26.359 that they could just leave it and you somehow become responsible. Yeah. So 1053 01:26:26.520 --> 01:26:30.600 anyway, when you have, if you truly had abandoned property, again, 1054 01:26:30.840 --> 01:26:34.760 if you can show you tried to contact them and they never got back to 1055 01:26:34.800 --> 01:26:38.359 you, I would get rid of it. You know, you might. 1056 01:26:39.079 --> 01:26:43.439 You might even want to sell it and something like that, because then you 1057 01:26:43.479 --> 01:26:47.800 can prove the open the actual value on the open market. And then another 1058 01:26:47.880 --> 01:26:54.760 thing, the worst case scenario is maybe pay them what you've collected minus maybe 1059 01:26:54.760 --> 01:27:00.600 storage, I don't know, you know, you probably sue them for and 1060 01:27:01.000 --> 01:27:05.760 you know, some sort of of a storage fee that was an implied fee 1061 01:27:05.800 --> 01:27:10.399 of leaving it in your garage that you're having to pay rent on and get 1062 01:27:10.399 --> 01:27:14.359 a judgment and then technically foreclose against that. I mean, you could end 1063 01:27:14.439 --> 01:27:17.520 up taking ownership of that vehicle, but it would be a long path to 1064 01:27:17.560 --> 01:27:23.279 get there, but I could see that happening. Yeah, three three seven, 1065 01:27:23.399 --> 01:27:26.479 one, three eight two five five more Right after this, Hey, 1066 01:27:26.520 --> 01:27:30.520 Retirement Planning Center of the Rockies is a place to call, to consult with 1067 01:27:30.960 --> 01:27:38.239 and to possibly hire to help you plan for retirement. It's the earlier the 1068 01:27:38.279 --> 01:27:41.840 better, of course, but so many people reach them in their fifties and 1069 01:27:41.880 --> 01:27:45.119 sixties and haven't done much planning. Retirement Planning Center of the Rockies helps you 1070 01:27:45.439 --> 01:27:49.039 shore up whatever nest egg you have, keep it safe, keep some of 1071 01:27:49.079 --> 01:27:53.359 it growing, and maybe convert some of it to income. They also help 1072 01:27:53.399 --> 01:27:58.840 you with other investments and other areas of retirement like maybe long term care, 1073 01:27:59.039 --> 01:28:01.920 estate planning, and things like that. They have a whole host of experts 1074 01:28:01.920 --> 01:28:05.119 they work with off our referral list, and they can work with you if 1075 01:28:05.119 --> 01:28:10.159 you need help. Retirement Planning Center of the Rockies would be happy to speak 1076 01:28:10.199 --> 01:28:14.399 to you with no obligation whatsoever to find out what they can do. Ask 1077 01:28:14.439 --> 01:28:17.199 them all the questions you want at rpcenter dot com. That's the website. 1078 01:28:17.479 --> 01:28:23.000 Rpcenter dot com. Nine seven zero sixty sixty three thirty two eleven nine seven 1079 01:28:23.119 --> 01:28:27.399 zero sixty sixty three thirty to eleven. You know, the Art of Granite 1080 01:28:27.479 --> 01:28:33.479 has spectacular deals on countertops and islands and you know, bar tops, whatever 1081 01:28:33.520 --> 01:28:39.560 you want counters and here's what they do. They fabricate and install it, 1082 01:28:39.640 --> 01:28:44.199 and that's what you pay for. They pass the wholesale price of materials onto 1083 01:28:44.239 --> 01:28:46.640 you. And they tear out and haul away for you. But they also 1084 01:28:46.680 --> 01:28:50.399 do something else. If you can find what you need in their remnant yard 1085 01:28:50.640 --> 01:28:55.840 beautiful, not seconds, just leftover pieces, some big enough to do a 1086 01:28:56.239 --> 01:29:00.239 small kitchen or an island or something, they'll give you that material free of 1087 01:29:00.319 --> 01:29:05.199 charge. The artigrantit dot Com always call to get prices first. That's how 1088 01:29:05.279 --> 01:29:12.239 confident they are. The Artifgranted dot com three oh three three eight six fifty 1089 01:29:12.319 --> 01:29:18.399 nine nineteen. Hi Tom Martino, your troubleshooter three oh three seven one three 1090 01:29:18.399 --> 01:29:24.880 talks seven one three eight five five. It's amazing to me how many how 1091 01:29:24.920 --> 01:29:29.840 many emails I get about cars and how many questions. Now when I say 1092 01:29:29.880 --> 01:29:33.199 I get questions, some of them come directly to me on text. Others 1093 01:29:33.239 --> 01:29:36.840 come through email through help at troubleshooter dot com. That's an email address. 1094 01:29:38.319 --> 01:29:43.680 I also get them through nextdoor, I get them through YouTube and Facebook, 1095 01:29:43.720 --> 01:29:50.680 and I get them through even LinkedIn Instagram and things like that. So really 1096 01:29:53.000 --> 01:29:59.119 there's a number of places where I get increase. But okay, listen to 1097 01:29:59.159 --> 01:30:01.800 this question. I mean, I don't want to make fun of questions. 1098 01:30:01.880 --> 01:30:06.920 Every question I say is a good question, right, But here's the question 1099 01:30:08.439 --> 01:30:16.399 from James. Do you stay firm on the price when selling a car now? 1100 01:30:16.399 --> 01:30:23.319 I don't know if they mean do I or should you? But it 1101 01:30:23.359 --> 01:30:30.680 all depends. I believe the marketplace is the most accurate place to get pricing 1102 01:30:30.720 --> 01:30:34.199 on anything, because if it is worth it, it will sell. It's 1103 01:30:34.199 --> 01:30:40.279 that simple. If there's enough demand and you ask a price, it will 1104 01:30:40.319 --> 01:30:45.560 sell. If it will not sell for that price, you can only do 1105 01:30:45.760 --> 01:30:49.720 so much to convince people to pay it. In fact, most of the 1106 01:30:49.800 --> 01:30:55.880 time you don't convince people of anything. People convince themselves to buy it, 1107 01:30:56.119 --> 01:31:00.399 although a good salesperson can, but that goes a whole different there's a whole 1108 01:31:00.399 --> 01:31:04.600 different topic. If you're selling something on a one up thing, you're not 1109 01:31:04.640 --> 01:31:09.960 a professional. You're not going to talk people into anything, Okay, So 1110 01:31:10.840 --> 01:31:16.760 bottom line, you stay firm only if you are confident you're going to get 1111 01:31:16.760 --> 01:31:24.479 the price. And then what about buying a car online? Now, I'm 1112 01:31:24.479 --> 01:31:27.479 getting a lot of these car quest a lot of car questions in fact, 1113 01:31:27.600 --> 01:31:30.000 and I can't save them all for Car Day because there's too many. But 1114 01:31:30.399 --> 01:31:35.800 it says buying a car online outweighs the longer wait times for delivery, does 1115 01:31:35.880 --> 01:31:41.720 the convenience outweigh the longer wait times. What would you buy online? Of 1116 01:31:41.760 --> 01:31:47.359 course I would. I mean nowadays, buying online is exactly the same as 1117 01:31:47.479 --> 01:31:53.720 buying anywhere else, as long as you're dealing with licensed dealers. If you're 1118 01:31:53.760 --> 01:31:59.600 dealing with individuals online or in person, you can get ripped off with either, 1119 01:32:00.199 --> 01:32:02.680 but online there's more of a chance of getting ripped off. I can't 1120 01:32:02.720 --> 01:32:09.760 tell you how many times people have bought a car site unseen, site unseen 1121 01:32:11.520 --> 01:32:15.520 online from a private owner, through Facebook or through somewhere scent payment, got 1122 01:32:15.520 --> 01:32:19.000 the car and it was nothing like represented John. In a situation like that, 1123 01:32:19.680 --> 01:32:25.359 sure, you can probably go back through correspondence and prove someone lie to 1124 01:32:25.399 --> 01:32:28.039 you or cheated you. But then what do you do about it? What 1125 01:32:28.039 --> 01:32:31.159 do you do? What's the practicality? You've already taken the car, You've 1126 01:32:31.199 --> 01:32:36.840 already taken delivery. So I like online car buying. By the way, 1127 01:32:38.119 --> 01:32:45.000 I've purchased the last three cars I had online, but they were from licensed 1128 01:32:45.039 --> 01:32:49.439 dealers, John, How do you purchase I have done the same thing. 1129 01:32:50.159 --> 01:32:54.600 Yeah. Now, I'd like to tell you I go to a dealer and 1130 01:32:54.600 --> 01:33:00.239 haggle, but I don't. Yeah, So I you know, I generally 1131 01:33:00.279 --> 01:33:03.359 don't buy too many brand new vehicles, so a lot of mine intend to 1132 01:33:03.399 --> 01:33:08.680 be you know, direct buys with with owners and stuff like that. But 1133 01:33:09.479 --> 01:33:13.239 you know, I have bought a couple of vehicles off of eBay motors I 1134 01:33:13.279 --> 01:33:16.399 think, or online like that. Yeah. Now, by the way, 1135 01:33:16.800 --> 01:33:23.319 the reason I am the reason I am reading these is because I've had them 1136 01:33:23.359 --> 01:33:27.600 for so long and I on car days sometimes you can just do so many 1137 01:33:28.319 --> 01:33:32.199 car questions. We have so many calls on cars, so I don't always 1138 01:33:32.199 --> 01:33:36.000 get to them. But if you've written one of these questions, I hope 1139 01:33:36.039 --> 01:33:41.680 I'm answering them for you. But like like this one, and again, 1140 01:33:42.159 --> 01:33:45.560 I piled up more car questions than others because, as I said, I 1141 01:33:45.640 --> 01:33:49.079 saved them for car day and don't always get to them. Okay, other 1142 01:33:49.199 --> 01:33:53.640 questions I can get to, like during the week, but I kind of 1143 01:33:53.680 --> 01:33:58.399 saved cars and I shouldn't that they were piling up. How would you answer 1144 01:33:58.399 --> 01:34:03.399 this one? What are some hidden costs to consider when buying a car? 1145 01:34:04.279 --> 01:34:08.199 Well, there are a lot of them, but they're not hidden. Okay, 1146 01:34:08.760 --> 01:34:13.479 But I think the biggest problem is with the FNI department that stands for 1147 01:34:13.600 --> 01:34:19.600 finance and insurance. Okay, their job is to sell you products on top 1148 01:34:19.640 --> 01:34:26.039 of the car. That's their entire job. Some of these products are physical 1149 01:34:26.039 --> 01:34:32.279 products, like the things for the car, like coats, and they used 1150 01:34:32.319 --> 01:34:36.199 to be like, you know, pin striping. Now they do paint protection. 1151 01:34:38.359 --> 01:34:42.760 They call them and glow yeah, or or some of them are like 1152 01:34:44.319 --> 01:34:49.920 yeah, just crazy stuff. I'll tell you, almost almost everything they sell 1153 01:34:50.000 --> 01:34:56.279 you at a car dealership in the FNI department, In fact, I can't. 1154 01:34:56.600 --> 01:35:01.159 Yeah, almost everything they sell you is useless, or you don't need, 1155 01:35:01.399 --> 01:35:05.199 or you can buy cheaper one of those three. Useless you don't need, 1156 01:35:05.399 --> 01:35:10.239 well, that would be the same as useless you can buy cheaper elsewhere, 1157 01:35:10.720 --> 01:35:15.119 including the insurances. Never buy insurance at the dealer ever, okay, 1158 01:35:15.159 --> 01:35:19.319 never, not credit, life, not disability, not anything like that. 1159 01:35:19.359 --> 01:35:25.319 You can always buy that cheaper. Always buy it cheaper if you want it. 1160 01:35:26.000 --> 01:35:30.479 The next thing, the extended warranties. Never ever, ever, ever, 1161 01:35:30.560 --> 01:35:33.520 ever, I'm not talking about prepaid maintenance. There's nothing wrong with that. 1162 01:35:34.640 --> 01:35:38.800 But if you have to keep going back to that dealer, consider that. 1163 01:35:38.840 --> 01:35:42.640 But if you can go to any franchise dealer, prepaid maintenance packages are 1164 01:35:42.680 --> 01:35:45.039 the only thing they sell that I think are great deals. Now there are 1165 01:35:45.079 --> 01:35:51.720 some other things you may want to consider. And I personally learned a lesson 1166 01:35:51.760 --> 01:36:00.479 here. I didn't realize that new expensive wheels on a car, these aluminum 1167 01:36:00.560 --> 01:36:02.920 or magnet whatever they call them. These you know, you know what mean, 1168 01:36:03.119 --> 01:36:06.640 these wonderful, beautiful, fancy looking wheels, they're not hubcaps, they're 1169 01:36:06.640 --> 01:36:13.359 wheels. They're a magnet for damage. Go up sometime when you're in a 1170 01:36:13.399 --> 01:36:20.000 parking lot and look at the wheels of these fancy cars. Almost every single 1171 01:36:20.279 --> 01:36:28.279 one of them is chewed up or they have abrasions or scratches or something. 1172 01:36:28.600 --> 01:36:31.680 It's almost like you can't not do it. I mean, okay, So 1173 01:36:31.720 --> 01:36:35.520 this one guy asked me when I was buying this one car, fourteen hundred 1174 01:36:35.560 --> 01:36:40.720 dollars, he says, and it'll cover your wheels for the life of the 1175 01:36:40.800 --> 01:36:45.319 car, not just one clan, It'll cover it never goes up. You 1176 01:36:45.439 --> 01:36:49.000 pay one time, fourteen hundred bucks and it covers your wheels. I think 1177 01:36:49.079 --> 01:36:55.800 maybe there was one hundred dollars deductible, and I'm thinking it either replaces or 1178 01:36:55.800 --> 01:37:00.239 repairs. And I say, I'm not paying fourteen hundred dollars to cover a 1179 01:37:00.279 --> 01:37:08.600 wheel or wheels. Not three weeks after taking delivery of that dang thing. 1180 01:37:11.119 --> 01:37:16.119 I I don't want to talk about it, but I scuffed two on the 1181 01:37:16.199 --> 01:37:23.159 left side, and one of them could be buffed and fixed. That was 1182 01:37:23.199 --> 01:37:30.039 six hundred. The other one had to be replaced eighteen hundred. And I 1183 01:37:30.119 --> 01:37:34.359 thought, oh my god. So naturally I call a dealer and said, 1184 01:37:34.560 --> 01:37:38.319 hey, you know that protection I bought. No, I'm just kidding, 1185 01:37:38.319 --> 01:37:41.960 IIA, but anyway, I bought it from then on out, and it's 1186 01:37:42.039 --> 01:37:45.640 the most used thing I ever do. That's the one thing I because you 1187 01:37:45.720 --> 01:37:51.119 can't just go to your insurance company and buy protection for your wheels. To 1188 01:37:51.159 --> 01:37:57.079 me, you will never not use it. Unfortunately, John, are you 1189 01:37:57.079 --> 01:38:00.159 a reels perfect? Come on, I defy anyone on YouTube or anywhere. 1190 01:38:00.359 --> 01:38:03.560 Go on, morons, tell me about your wheels. Tell me you don't 1191 01:38:03.600 --> 01:38:10.039 have any kind of problems on your wheels. Go ahead. I have one 1192 01:38:10.079 --> 01:38:14.279 trailer that has really nice wheels on it, and I dinged them up. 1193 01:38:14.840 --> 01:38:19.479 Yes, I admit it. There's something about him. It's like they just 1194 01:38:20.359 --> 01:38:25.960 I don't know anyway, So I would buy that. Oh, don't ever 1195 01:38:26.000 --> 01:38:30.439 buy windshield protection. So a friend of mine buys windshield protection. You pay 1196 01:38:30.479 --> 01:38:33.960 forty five hundred or twenty five whatever you pay, you know, over the 1197 01:38:34.000 --> 01:38:38.720 life of the car, it's financed or whatever, and it replaces all your 1198 01:38:38.720 --> 01:38:44.000 windshields. Right, oh, bull, if you look closely, it's it's 1199 01:38:44.039 --> 01:38:45.520 not it's not forty five hundred, but well, whatever it was, you 1200 01:38:45.560 --> 01:38:48.960 got. You get up to forty five hundred or five thousand dollars in coverage, 1201 01:38:48.960 --> 01:38:54.479 meaning so you replace three windshields on some of them two windshields, you're 1202 01:38:54.479 --> 01:38:58.560 done. But they charge you this ridiculous amount. And then I call Compass 1203 01:38:58.600 --> 01:39:00.800 Insurance and he says, Tom, you're paying an extra ten or fifteen a 1204 01:39:00.880 --> 01:39:08.479 year for zero deductible glass protection. Right. If people knew how much profit 1205 01:39:08.800 --> 01:39:13.319 the dealers make off of all that different coverage, they would never buy any 1206 01:39:13.359 --> 01:39:15.920 of that because most of it is available, you know, elsewhere, but 1207 01:39:16.000 --> 01:39:20.920 the dealers making at least fifty percent of that premium as staying with the dealer 1208 01:39:20.960 --> 01:39:28.960 as just profit. Right. That's right now again, So go ahead, 1209 01:39:29.039 --> 01:39:32.880 John, Oh on my car, I was just looking at the purchase sheet. 1210 01:39:33.199 --> 01:39:40.640 There were ten additional options that the P and I guy may you know, 1211 01:39:41.359 --> 01:39:47.119 often me from extended coverage to windshield protection, to ceramic finished protection, 1212 01:39:47.640 --> 01:39:53.079 to gap product, all these things. That is what they try and make 1213 01:39:53.079 --> 01:39:57.319 their profit on. Yeah. Yeah, And by the way, I I 1214 01:39:57.359 --> 01:40:00.640 have no problem if they want to try to sell people stuff. I've seen 1215 01:40:00.800 --> 01:40:09.760 car deals where the extras on a car that started out at around forty five 1216 01:40:09.840 --> 01:40:15.079 to fifty or eighteen thousand dollars. Holy moly, No, I'm not kidding. 1217 01:40:15.279 --> 01:40:18.800 In fact, if anyone has purchased a car recently and you're listening to 1218 01:40:18.840 --> 01:40:25.560 this in a podcast or on a delayed stream or whatever, if you have 1219 01:40:25.680 --> 01:40:29.079 purchased a car, I would like to know the add ons you bought. 1220 01:40:29.640 --> 01:40:31.560 Now, I'd like to believe a lot of my listeners don't have a lot 1221 01:40:31.560 --> 01:40:34.680 of add ons, and not all add ons are bad. Like I told 1222 01:40:34.720 --> 01:40:39.319 you, there's nothing wrong. I think with prepaid maintenance you get what you 1223 01:40:39.359 --> 01:40:42.359 pay. In fact, you save money. There's no doubt, John, 1224 01:40:42.399 --> 01:40:45.840 did you ever look at prepaid maintenance? No, But I was going to 1225 01:40:45.880 --> 01:40:48.760 say, I really do think for a lot of people, gap insurance is 1226 01:40:48.800 --> 01:40:54.640 a good coverage. Well, and there's some caveats to it, and those 1227 01:40:54.680 --> 01:40:59.319 need to be explained. But you know the reality is when you roll off 1228 01:40:59.319 --> 01:41:02.600 the showroom or even if you don't buy anything else, I know you owe 1229 01:41:02.640 --> 01:41:06.520 more than that car as well that moment. Okay, But most of the 1230 01:41:06.600 --> 01:41:12.279 time, John, most of the gap is not something that's covered by the 1231 01:41:12.319 --> 01:41:18.039 policy. Most of the gap comes from from negative equity from previous deals, 1232 01:41:18.479 --> 01:41:24.279 or paying too much for a car. They will not They absolutely will not 1233 01:41:24.399 --> 01:41:28.399 pay for that. If you were stupid in buying a car. It doesn't 1234 01:41:28.439 --> 01:41:32.079 cover stupidity. It does cover if you're if you're a year into it and 1235 01:41:32.119 --> 01:41:35.840 your your your loan balance has gotten down a little bit. We've never had 1236 01:41:35.920 --> 01:41:42.239 GAP not pay when when somebody's had a total vehicle and the you know, 1237 01:41:42.279 --> 01:41:45.359 the fair market value of the total loss is less than they owe. We 1238 01:41:45.479 --> 01:41:49.640 have never had GAP not pay that. Different from my client, No, 1239 01:41:49.840 --> 01:41:54.439 Well, here's what I was going to say. In most cases, GAP 1240 01:41:54.520 --> 01:41:58.840 doesn't cover the gap in the In the areas it does cover. There are 1241 01:41:58.880 --> 01:42:03.119 certain times you if you mapped out a loan, there are certain time periods 1242 01:42:03.800 --> 01:42:08.520 that it will cover you, like within two weeks or three weeks of a 1243 01:42:08.600 --> 01:42:12.560 car. I don't mean it's written that way. I mean where it's mathematically 1244 01:42:12.880 --> 01:42:15.800 where they cover because, like you said, John, when you drive off, 1245 01:42:15.840 --> 01:42:18.800 So for a few weeks you're really vulnerable, then for another for a 1246 01:42:18.880 --> 01:42:23.119 year or so you're not, then afterwards you are. It depends on where 1247 01:42:23.119 --> 01:42:27.399 what cycle you're in on that loan as to what your gap does. Your 1248 01:42:27.399 --> 01:42:30.359 gap is most in the beginning and then diminishes and then goes back up again 1249 01:42:30.399 --> 01:42:33.680 toward the end if you have a long loan. But the point to make 1250 01:42:33.760 --> 01:42:38.680 it is even if you buy gap, John, Yeah, don't buy it 1251 01:42:38.720 --> 01:42:43.680 at the dealer. Well maybe, but your your example kind of presupposes that 1252 01:42:43.760 --> 01:42:47.079 you're you know, your your gap could be a lot higher. I mean, 1253 01:42:47.119 --> 01:42:54.279 my circumstances are when my clients, you know, admittedly sometimes oh a 1254 01:42:54.359 --> 01:42:58.520 crap ton more than the car is worth, but after you deduct the fair 1255 01:42:58.560 --> 01:43:01.600 market value from it, the amount the gap is being asked to pay is 1256 01:43:01.680 --> 01:43:05.520 quite a bit lower than you know, the actual value of the car. 1257 01:43:05.920 --> 01:43:09.560 Right. No, No, I never had a situation where they haven't paid. 1258 01:43:09.640 --> 01:43:13.319 Well, it's been a lifesaver for some of my clients, and and 1259 01:43:13.319 --> 01:43:15.920 and for the people that don't have it. The flip side of it is 1260 01:43:16.479 --> 01:43:21.039 you've got a big pile of negative equity and you don't have a car, 1261 01:43:21.399 --> 01:43:24.920 and you've got to figure out something to do. And if you don't have 1262 01:43:25.039 --> 01:43:28.239 that money, you got to go roll that into a new vehicle. So 1263 01:43:28.279 --> 01:43:30.920 you're but if you're going to buy it, I'm still gonna I'm just still 1264 01:43:30.920 --> 01:43:33.039 going to say this. If you're going to buy Gap, don't buy it 1265 01:43:33.079 --> 01:43:36.520 at a dealer. Buy it from your insurance people. And yeah, but 1266 01:43:36.600 --> 01:43:40.800 you've got to finance it. That's why people put it on at the dealership 1267 01:43:40.800 --> 01:43:44.640 because they don't have the money to go and buy that for cash at your 1268 01:43:44.640 --> 01:43:49.800 insurance agency or whoever. Get people. You know, you paid in a 1269 01:43:49.800 --> 01:43:53.760 premium, you paid in a premium, you're financing it. I mean, 1270 01:43:54.640 --> 01:43:57.840 let's I want to talk to Compass about that. I don't think you pay 1271 01:43:57.840 --> 01:44:00.319 a lump sum for GAP, but but can you get Compass on after the 1272 01:44:00.359 --> 01:44:03.119 break? I would like to ask him about that. I'm not arguing, 1273 01:44:03.199 --> 01:44:06.000 Listen. What I'm saying is this, but it's even if you're paying it 1274 01:44:06.039 --> 01:44:11.760 over six months, there's find out going to be that the person is paying 1275 01:44:11.760 --> 01:44:15.119 it over sixty months or seventy two or one hundred thousand months or whatever they 1276 01:44:15.119 --> 01:44:18.680 finance cars for these days. Yeah, versus paying it off in a six 1277 01:44:18.760 --> 01:44:21.640 put John. Okay, First of all, we're also going to assume that 1278 01:44:21.680 --> 01:44:25.600 if you buy it at a dealer and it's and it's a five year gap, 1279 01:44:25.720 --> 01:44:28.119 you're going to get money back when you sell it or trade it in 1280 01:44:28.159 --> 01:44:30.840 and you're not. You're not going to get a rebate. And and the 1281 01:44:30.920 --> 01:44:33.319 other thing is, it's all I'm saying is this. It doesn't cover you 1282 01:44:33.359 --> 01:44:36.319 want. It covers you one hundred percent of the time, but you're not 1283 01:44:36.439 --> 01:44:40.039 in gap one hundred percent of the time over the life of a loan. 1284 01:44:40.359 --> 01:44:45.079 And again, people, the gap it covers that John's talking about is the 1285 01:44:45.159 --> 01:44:49.479 gap in value versus a normal loan. They will not go more, ever 1286 01:44:49.920 --> 01:44:55.760 than one hundred and twenty five percent of value. So you've got to be 1287 01:44:55.800 --> 01:44:59.279 careful. Not one hundred twenty five percent of what you paid, it's one 1288 01:44:59.399 --> 01:45:04.319 hundred and twenty five percent of value. And people find that even with gap, 1289 01:45:04.840 --> 01:45:08.560 if this is the wrong kind of gap, it won't be covered. 1290 01:45:08.600 --> 01:45:11.199 I'm not telling you not to get it. What I'm telling you are two 1291 01:45:11.279 --> 01:45:15.039 things it very seldom covers. When it does cover the gap John's talking about, 1292 01:45:15.199 --> 01:45:18.119 buy it from a regular insurance dealer. But let's find out I got 1293 01:45:18.119 --> 01:45:20.720 to take this break. People are pissed at me. We got more coming 1294 01:45:20.800 --> 01:45:26.960 right up. Yeah, and let's talk about a situation where you want to 1295 01:45:27.000 --> 01:45:30.239 save money on ac where I was just talking to Deputy Doc about getting this 1296 01:45:30.279 --> 01:45:35.319 whole house fan for his place, and in my opinion, it's one of 1297 01:45:35.359 --> 01:45:40.000 the smartest purchases I ever made. Now, Frankly, the reason I made 1298 01:45:40.039 --> 01:45:44.319 the purchase is I was looking into this and he was going to advertise, 1299 01:45:44.720 --> 01:45:47.279 and so I said I'll buy it, and I bought it, and then 1300 01:45:47.319 --> 01:45:53.199 he became an advertiser. Now I am happy I met him because then I 1301 01:45:53.239 --> 01:45:58.359 put it in a second house. And the QC whole house Fan Quiet Cool 1302 01:45:58.359 --> 01:46:01.159 whole house fan does exis exactly what it says. It destratifies the air. 1303 01:46:01.520 --> 01:46:04.439 It makes the air more even, the temperature is more even, so your 1304 01:46:04.479 --> 01:46:10.720 air conditioner works more efficiently. That's the secret. But it also does something 1305 01:46:10.760 --> 01:46:15.439 else. In some cases mornings and evenings, it takes the place of air 1306 01:46:15.479 --> 01:46:20.600 conditioning, and in other times it just helps cool down the house quicker. 1307 01:46:21.000 --> 01:46:26.079 If like you're out all day and you come home and your house is really 1308 01:46:26.119 --> 01:46:31.159 hot, ten minutes it's cooled down. Then your air Works less q Secolorado 1309 01:46:31.239 --> 01:46:35.720 dot Com. Honest to god, I'm a satisfied customer, and I'll just 1310 01:46:35.800 --> 01:46:45.800 sing their praises. Three oh three eight hundred thirty four nineteen. Hi Tom 1311 01:46:45.840 --> 01:46:49.279 Martinez here three three seven one three talks seven one three A two five five. 1312 01:46:49.840 --> 01:46:54.439 Brian Burns is with us from Compass Insurance Group. Brian, we're having 1313 01:46:54.439 --> 01:46:58.960 a discussion about buying gap insurance at a car dealer, and I said, 1314 01:46:58.960 --> 01:47:01.880 look, you know, gaping assurance doesn't cover stupidity. There's a lot of 1315 01:47:01.880 --> 01:47:06.359 things that doesn't cover. But mind you, there are probably times when it's 1316 01:47:06.359 --> 01:47:11.039 not a bad idea. It's not gonna it's not going to cover all situations, 1317 01:47:11.079 --> 01:47:15.119 but when it does cover it can be it can be a pretty good 1318 01:47:15.199 --> 01:47:18.359 help. But if I said, if you're going to buy it, buy 1319 01:47:18.359 --> 01:47:20.920 it from an insurance program, I'm sure you'll get it cheaper than you would 1320 01:47:20.960 --> 01:47:26.640 at a dealer. John mentioned some John mentioned something. He said, Well, 1321 01:47:27.640 --> 01:47:30.279 the reason people buy it at a dealer is they can finance it, 1322 01:47:30.880 --> 01:47:35.319 And again there's pros and cons there. You can finance it over three years, 1323 01:47:35.359 --> 01:47:39.159 five years, seven years, whatever your loan is, but you don't 1324 01:47:39.199 --> 01:47:42.640 get rebates if you sell your car, it's paid for and it's done. 1325 01:47:42.680 --> 01:47:45.319 But I want to know when you buy GAP insurance if I, Brian, 1326 01:47:45.479 --> 01:47:47.920 I don't even know if I have it or whatever, or how it works 1327 01:47:47.920 --> 01:47:51.319 with insurance. Do you like quote it for everyone? Or how does gap 1328 01:47:51.359 --> 01:47:56.199 work with you guys, we'll offer it on a brand new purchase. Really, 1329 01:47:56.239 --> 01:48:00.359 as you can imagine the least gap or loane gap. Usually leases have 1330 01:48:00.439 --> 01:48:03.439 it included in their lease payment, so it's not even really it's kind of 1331 01:48:03.479 --> 01:48:08.199 a moot point anymore. It's almost always in a lease I see at least, 1332 01:48:09.159 --> 01:48:13.560 but a loan, if someone's putting a decent down payment on it, 1333 01:48:13.560 --> 01:48:17.119 it makes no sense because it's it's truly there. You've already paid down the 1334 01:48:17.159 --> 01:48:21.399 loans. It's only when someone is financing it almost at one hundred percent do 1335 01:48:21.439 --> 01:48:26.560 you have that conversation. So we ask about it. But I will say, 1336 01:48:26.600 --> 01:48:28.840 to the point of you know, people being to finance it, I 1337 01:48:29.319 --> 01:48:32.159 don't think three people realize how cheap it is. It's not an expensive coverage, 1338 01:48:32.239 --> 01:48:38.479 so we're not talking about adding on a bunch of monthly expense onto your 1339 01:48:38.720 --> 01:48:42.359 premium. And it's not a lump sum. You don't have to pay a 1340 01:48:42.439 --> 01:48:45.399 lump sum for the life of the car. No, no, no, 1341 01:48:45.600 --> 01:48:47.760 it's per policy, it's per policy term and so. And that's the other 1342 01:48:47.800 --> 01:48:51.920 advantage is maybe you need it for the first couple of years until you paid 1343 01:48:51.920 --> 01:48:56.279 down your loan enough where if you have a loss, the value of the 1344 01:48:56.319 --> 01:49:00.640 car now is exceeds the loan amount. And so we're is if you get 1345 01:49:00.640 --> 01:49:02.800 it from a dealership, you're you're just getting a set amount that you're paying 1346 01:49:03.319 --> 01:49:08.279 of the life that loan. When you do it for insurance, it's you 1347 01:49:08.279 --> 01:49:11.119 can cancel it, you could get you could remove it at renewal after six 1348 01:49:11.159 --> 01:49:14.960 months, after twelve months, after what however long you need. That's a 1349 01:49:15.039 --> 01:49:19.520 really good point. But how much is it? Let's say ten bucks a 1350 01:49:19.560 --> 01:49:24.640 month, I would say is an average amount, John, what about that 1351 01:49:24.720 --> 01:49:32.840 bro that is pretty damn good? Does does Fred Layer offer that? I 1352 01:49:32.880 --> 01:49:38.760 don't know that, John, That's a good question. Now, I would 1353 01:49:38.800 --> 01:49:42.279 say. All I'm saying is, listen, there are savvy purchasers and and 1354 01:49:42.319 --> 01:49:45.680 there are things in life that you can always buy better from somewhere else for 1355 01:49:45.920 --> 01:49:53.319 cheaper and more advantageous terms. That's not why the finance and insurance departments exist 1356 01:49:53.359 --> 01:49:58.199 at dealerships. They exist to make money and and everything they can roll in. 1357 01:49:58.720 --> 01:50:02.760 It's croak and choke or under spray, overspray or bug film or window 1358 01:50:02.840 --> 01:50:09.039 tent or window serial number registration, or whatever the heck you can think of 1359 01:50:09.520 --> 01:50:12.920 to add on. There's two components to it. Number one, the dealers 1360 01:50:12.960 --> 01:50:16.439 make a lot of profit on it, and number two, the finance companies 1361 01:50:16.479 --> 01:50:21.399 make a lot of profit on it too, because they're financing these ridiculously overpriced 1362 01:50:21.439 --> 01:50:27.039 amounts over the life of the loan. Let me get this compass insurance home. 1363 01:50:27.159 --> 01:50:30.159 Of of course, the free insurance checkup three oh three nine nine six 1364 01:50:30.319 --> 01:50:33.920 nine thousand. Make sure you're not over insured, under insured, pain too 1365 01:50:34.039 --> 01:50:39.560 much. That's three oh three nine ninety six nine thousand. Hey, Red 1366 01:50:39.720 --> 01:50:43.399 Rocks, Roof and Solar will get you up and running with a solar system 1367 01:50:43.439 --> 01:50:47.279 with a guaranteed activation date. What does that mean. That means that they 1368 01:50:47.800 --> 01:50:53.720 have an activation date when your system will be up and running and they guarantee 1369 01:50:53.720 --> 01:51:00.159 it and otherwise there are penalties in your favor, So think about that. 1370 01:51:00.399 --> 01:51:03.279 The only people that do that. They also can help you with commercial systems. 1371 01:51:03.720 --> 01:51:08.800 If you're in a commercial building, or you have a business of some 1372 01:51:09.000 --> 01:51:12.640 kind, you can get some grants to get this solar system paid for. 1373 01:51:13.239 --> 01:51:15.760 In some cases, you might even be agricultural where you actually live there and 1374 01:51:15.800 --> 01:51:19.920 can get the benefits of this. Find out more from redrocksars dot com. 1375 01:51:19.960 --> 01:51:26.079 They're great people working with consumers to get them solar the right way. Three 1376 01:51:26.199 --> 01:51:31.359 zero three seven zero four two four four nine. Joe Lazara is a criminal 1377 01:51:31.399 --> 01:51:35.039 defense attorney. I hope you never need them, and I say that because 1378 01:51:35.039 --> 01:51:38.920 I really mean it. But you know, people make mistakes, they do 1379 01:51:38.960 --> 01:51:43.800 stupid things. They're accused of crimes, especially duys or smoking weed now has 1380 01:51:43.880 --> 01:51:48.279 become almost as popular as drinking now. People miscalculate, they get a ticket. 1381 01:51:48.319 --> 01:51:51.159 I don't want to underplay it, okay, folks, But no matter 1382 01:51:51.199 --> 01:51:55.760 what the situation is, if this happens to you, you can't really, 1383 01:51:56.119 --> 01:51:59.079 you can't really go through this system on your own. You need an attorney 1384 01:51:59.119 --> 01:52:02.279 to help you, and I recommend Joe Lazara. He'll give you a flat 1385 01:52:02.359 --> 01:52:08.840 rate price up front, and that's what it will be. Free consultations always 1386 01:52:08.880 --> 01:52:13.520 three oh three four two nine six two zero zero four two nine sixty two 1387 01:52:13.640 --> 01:52:20.359 hundred Lazara Legal. Find them at referralst dot com. I can't say enough 1388 01:52:20.600 --> 01:52:26.199 about zero Resdenver dot com. Zero Res God, I just love them. 1389 01:52:26.359 --> 01:52:29.039 Okay, what do I love about zero is I'll tell you what I love. 1390 01:52:29.319 --> 01:52:34.479 I love the fact that zero res has a healthy way of cleaning your 1391 01:52:34.520 --> 01:52:39.239 carpets, a healthy way. And when I say healthy, I mean it. 1392 01:52:39.520 --> 01:52:44.720 In fact, what they do is they think that they they think that 1393 01:52:44.880 --> 01:52:47.399 anything other than zero res is unhealthy. And I'll tell you why. When 1394 01:52:47.439 --> 01:52:51.880 they clean a carpet that's been cleaned before, all of that dirt and crap 1395 01:52:51.920 --> 01:52:58.520 from previous cleanings come out. Now your carpets are really clean zero resified. 1396 01:52:58.600 --> 01:53:03.600 And when that happens, you will notice the difference. Your carpets will smell 1397 01:53:03.840 --> 01:53:09.600 and feel and the whole thing feels better and smells better. Your whole indoor 1398 01:53:09.640 --> 01:53:13.399 air quality is better, save for kids, safe for pets. Your carpets 1399 01:53:13.399 --> 01:53:15.960 look like new. Get zero Resified three oh three, four seven, one 1400 01:53:16.079 --> 01:53:20.119 fifty one fifty three rooms now for one hundred and nine bucks plus seventy five 1401 01:53:20.159 --> 01:53:24.920 dollars off duck cleaning. They do ducks and they do any flat surface in 1402 01:53:24.960 --> 01:53:32.119 your home. Tiland Ground zero Resdenver dot com. Hi Tom Martine, your 1403 01:53:32.199 --> 01:53:38.199 Troubleshooter three O three seven to one three talk seven one three eight two five 1404 01:53:38.399 --> 01:53:42.960 five. We have another hour to go after this one, and we want 1405 01:53:43.000 --> 01:53:45.640 you to call with any problems, chrestener complaints. The important thing is at 1406 01:53:45.680 --> 01:53:48.039 the first sign of trouble, give us a call. If you paid somebody, 1407 01:53:48.039 --> 01:53:50.720 they didn't do the work they're promising you, they keep delaying, or 1408 01:53:51.239 --> 01:53:56.000 maybe you're wondering about your hail damage, don't get ripped off there, and 1409 01:53:56.359 --> 01:54:00.760 anything else on your mind we'd love to help you with. There are many 1410 01:54:01.079 --> 01:54:05.600 class action lawsuits going on right now, probably more than in history. Honest 1411 01:54:05.640 --> 01:54:10.920 to god. There are eighteen open claims people can claim. We'll go over 1412 01:54:11.000 --> 01:54:14.560 some of those coming up in the next hour. And anything on your mind, 1413 01:54:14.640 --> 01:54:17.840 don't forget. You can also call three oh three Martino and you can 1414 01:54:17.840 --> 01:54:23.000 call that number twenty four to seven and get in line for the next show. 1415 01:54:23.000 --> 01:54:33.520 Three oh three six two seven eight four sixty six. Yeah, ripped 1416 01:54:33.640 --> 01:54:43.399 up news, you need advice? Who you don't help come running just as 1417 01:54:43.079 --> 01:54:50.720 as came. Shooter's gonna help coming Man Dix is the Troubleshooter show. No 1418 01:54:51.319 --> 01:54:56.560 Tom Martino. Hi, Tom Martino here, Welcome to the show. Three 1419 01:54:56.600 --> 01:55:01.760 oh three seven one three talk three oh three seven one three eight two five 1420 01:55:01.920 --> 01:55:05.880 five Welcome. We are here to help you solve problems, answer questions, 1421 01:55:05.960 --> 01:55:10.279 take complaints, make your life a little easier. I have John Fuller with 1422 01:55:10.319 --> 01:55:14.399 me, my accident lawyer dot CO. He's here to answer questions along with 1423 01:55:14.479 --> 01:55:18.239 me, and uh, let's talk, Kathy. What's going on. Well, 1424 01:55:18.479 --> 01:55:23.199 I got like a little half sheet of paper, fuller than half from 1425 01:55:23.199 --> 01:55:25.920 the United States Census Bureau, and I said, well, this is a 1426 01:55:25.960 --> 01:55:30.720 scam because you know almost everything Nowaday, that's weird as a scam. Well, 1427 01:55:30.760 --> 01:55:34.920 the Census Bureau does go around to Holmes and they do leave cards. 1428 01:55:36.680 --> 01:55:44.640 So what do they want? Well, it's such an extensive survey, and 1429 01:55:44.720 --> 01:55:49.359 it's just it's it's I think there was a lawsuit that when it came out 1430 01:55:49.359 --> 01:55:55.039 of Washington because they were asking really personal questions. Hold on, let me 1431 01:55:55.039 --> 01:55:58.399 ask you. You're right it could be a scam. I mean I don't 1432 01:55:58.399 --> 01:56:00.560 know if you're right. I mean, you're right to suspicious because it could 1433 01:56:00.560 --> 01:56:03.479 be a scam. So but let me ask you this. Did they did 1434 01:56:03.479 --> 01:56:08.840 they knock at the door, first, No, nobody's gone that far. 1435 01:56:09.640 --> 01:56:12.600 I'm supposed to have it filled out today, but I had what did it? 1436 01:56:12.760 --> 01:56:17.039 Was it mailed to you? Yeah? And was it mailed from where? 1437 01:56:19.840 --> 01:56:26.199 Where? The actress? Yeah? The address? And where do they 1438 01:56:26.239 --> 01:56:30.079 want you to? Where do they want you to send the information to the 1439 01:56:30.199 --> 01:56:36.840 US Census Bureau National Processing Center. There's a PO box Jeffersonville, Indiana. 1440 01:56:39.439 --> 01:56:47.560 Really Jeffersonville, Indiana. Okay, go ahead. This question a question you 1441 01:56:47.600 --> 01:56:50.920 know about your house? About are you looking for a job? You know, 1442 01:56:51.079 --> 01:56:55.039 could you work? If you know, we're retired, So if you 1443 01:56:55.239 --> 01:56:59.479 work, if you got offered a job, what hours are you gone from 1444 01:56:59.520 --> 01:57:05.720 your house? That that sounds that sounds like normal questions, but it's it 1445 01:57:05.800 --> 01:57:10.560 could be something weird. I mean, I don't know why. I mean, 1446 01:57:11.039 --> 01:57:15.079 I've heard of census questions that ask all kinds of weird stuff. Now, 1447 01:57:15.119 --> 01:57:18.359 just so you know, that is the That is the address of the 1448 01:57:18.359 --> 01:57:24.960 Census Bureau, the National Processing Center. Is it specifically twelve oh one East 1449 01:57:25.000 --> 01:57:30.640 tenth Street. No, that's not on here. What is there a street 1450 01:57:30.680 --> 01:57:34.479 on there? Or it's a post office? Sheets of paper or twelve oh 1451 01:57:34.479 --> 01:57:39.800 one East tenth Street. That's it? Yeah, yeah, the one in 1452 01:57:39.880 --> 01:57:44.000 me to log into their ware. I'm having enormous problems with their software. 1453 01:57:44.840 --> 01:57:46.560 And what is the u r L? What is the u r L they 1454 01:57:46.560 --> 01:57:53.119 want you to log into? Okay, respond dot census, dot gov, 1455 01:57:53.439 --> 01:57:59.880 slash ACS. I've seen this before. It's called the community survey and they 1456 01:58:00.079 --> 01:58:04.560 do it sometimes between the ten year census SATI. No I know. And 1457 01:58:04.600 --> 01:58:08.760 by the way, so if you would believe how many people believe it's a 1458 01:58:08.800 --> 01:58:13.439 scam and it's not. And I'm telling you that there's a penalty for not 1459 01:58:13.479 --> 01:58:16.439 responding. Did you know that? Oh? Yeah, they give you that 1460 01:58:16.600 --> 01:58:24.479 first. They threaten you before you've even taken the survey. They want to 1461 01:58:24.520 --> 01:58:28.880 know, do you know some of them ask some of them ask sexual preference 1462 01:58:29.000 --> 01:58:34.560 and sexual habits. Yeah, is it asking you? Taking that off? 1463 01:58:34.760 --> 01:58:39.680 But I think that was involved in the lawsuits that was coming out of Washington 1464 01:58:39.800 --> 01:58:44.159 or that general area. And you're selected. Here's what it says. You're 1465 01:58:44.199 --> 01:58:50.560 selected randomly. They will find you if you do not participate. There's a 1466 01:58:50.640 --> 01:58:55.520 number to call if you have any questions. What do you not want to 1467 01:58:55.560 --> 01:59:00.119 answer? Well, it's hard because we're in the middle of a move and 1468 01:59:00.159 --> 01:59:03.520 so lots of things are packed up, and so they want to know like 1469 01:59:03.560 --> 01:59:08.600 all kinds of things about like our utility bills, what were they the past 1470 01:59:08.640 --> 01:59:13.359 twelve months for your gas and electric and you know that sort of thing. 1471 01:59:13.479 --> 01:59:18.119 Sewer And then in some questions that were on their computer stuff, they combined 1472 01:59:18.199 --> 01:59:24.239 sewer and water and ours are not combined. They're separate, and so there's 1473 01:59:24.239 --> 01:59:29.039 like no way to answer that question, and so you do because they're threatened 1474 01:59:29.079 --> 01:59:33.159 and if you if you don't answer questions correctly, you're also threatened with lawsuits. 1475 01:59:33.159 --> 01:59:36.800 In trone, no no only if you intention No. No, only 1476 01:59:36.840 --> 01:59:42.680 if you intentionally mislead them. They said, okay, in other words, 1477 01:59:42.720 --> 01:59:47.239 you can give it your best estimate, oh, because it doesn't have anything 1478 01:59:47.319 --> 01:59:50.840 for approximately so the last you know over the past twelve months, well, 1479 01:59:50.880 --> 01:59:54.680 I just don't have all the last twelve months. By the way, these 1480 01:59:54.720 --> 01:59:59.319 are done yearly between the ten year census. They're done yearly at random addresses, 1481 02:00:00.239 --> 02:00:03.640 and they just try to keep statistics up to date. And what they 1482 02:00:03.800 --> 02:00:11.319 say again is you do estimates of answers. You don't have to do a 1483 02:00:11.319 --> 02:00:15.960 lot of research. But how do you know it's supposed to be do they 1484 02:00:15.960 --> 02:00:20.039 say the deadlines today to be postmarked or is someone picking it up? Yeah, 1485 02:00:20.159 --> 02:00:24.359 it's a no. You know, I would just do it online. 1486 02:00:24.800 --> 02:00:29.039 Do you know Here's what's really weird. Do you know there are more complaints 1487 02:00:29.840 --> 02:00:34.680 about the census than taxes and everything else in government. It's the number one 1488 02:00:34.720 --> 02:00:41.640 complaint. They can what I've experienced today, I can believe in what did 1489 02:00:41.680 --> 02:00:46.359 you experience? I try to use their software they're online because my response date 1490 02:00:46.479 --> 02:00:51.800 is today, and it was, well, it put my husband in there 1491 02:00:51.840 --> 02:00:56.880 four times, so and so to answer all these questions for him four times. 1492 02:00:57.439 --> 02:01:00.920 So you know, if you're getting income, you do that by four 1493 02:01:00.960 --> 02:01:02.880 and your husband's name is Mike, and so you put one fourth in for 1494 02:01:02.960 --> 02:01:08.039 each mic And there was no way I could take out the extra husbands. 1495 02:01:08.479 --> 02:01:13.960 So now I have four husbands. Oh no, some of the ones that 1496 02:01:13.960 --> 02:01:16.439 are causing me. The biggest trouble is they want to know like income for 1497 02:01:16.479 --> 02:01:20.239 the past twelve months, like in your interest, if you have a bank 1498 02:01:20.279 --> 02:01:25.159 account, or if you're in and tell me what you don't what you don't 1499 02:01:25.159 --> 02:01:29.279 want to answer that or what no I can answer it. I what I 1500 02:01:29.399 --> 02:01:31.760 was going to do is I was going to go to my taxes and pull 1501 02:01:31.840 --> 02:01:35.840 up turbo tax because I've got that on my computer, and then you know, 1502 02:01:35.880 --> 02:01:41.880 put in the amounts for interest or you know, social Security that sort 1503 02:01:41.960 --> 02:01:45.880 of thing. But it asks for the last twelve months, so you know, 1504 02:01:45.920 --> 02:01:48.720 I have it for the last calendar year. And so everything's packed up 1505 02:01:48.760 --> 02:01:53.840 in a box because we're moving, and you know, there shouldn't be a 1506 02:01:54.000 --> 02:01:58.079 research project. Or people have to go back and you know, pull all 1507 02:01:58.159 --> 02:02:02.479 their bank statements, all are utility bills for the last twelve months, just 1508 02:02:02.560 --> 02:02:10.399 to answer senses. This is absurd kind of is Yeah, I wouldn't mind 1509 02:02:10.439 --> 02:02:14.439 putting in, you know, things that I can pull off my taxes for 1510 02:02:14.560 --> 02:02:17.039 last year. But if I have to go back and you know, pull 1511 02:02:17.239 --> 02:02:26.239 all kinds of statements or call Excel or United Power, geez hey. You 1512 02:02:26.319 --> 02:02:35.760 know, here's the deal. If you you should put in as close as 1513 02:02:35.840 --> 02:02:44.399 close as possible to the accurate answer and not worry about researching. But you 1514 02:02:44.479 --> 02:02:48.319 shouldn't You shouldn't leave, you should not respond. If you don't respond, 1515 02:02:48.920 --> 02:02:51.800 Like I said, I've never heard of people like going to jail or anything, 1516 02:02:53.039 --> 02:02:57.279 but they do become a pinon in your ass, you know, I 1517 02:02:57.319 --> 02:03:01.039 know they talk. I know they talk about possible imprisonment and all that, 1518 02:03:01.680 --> 02:03:05.119 but that's only for Trump. No one else would get in trouble like that. 1519 02:03:05.319 --> 02:03:12.960 For that dims with one this many answer questions answered, especially on sexual 1520 02:03:13.000 --> 02:03:17.520 orientation. I know, hey, there was one year they were asking so 1521 02:03:17.760 --> 02:03:23.479 many weird questions. I think they were asking about if you gained your lost 1522 02:03:23.560 --> 02:03:27.159 weight? I mean, god, you wonder what the hell? Now? 1523 02:03:27.199 --> 02:03:31.000 There are some people who are convinced, you know, that this information is 1524 02:03:31.039 --> 02:03:35.039 going to be used against you somehow, you know, either with insurance companies 1525 02:03:35.239 --> 02:03:41.600 or with taxes. Especially, they really hate it because they think they're just 1526 02:03:41.640 --> 02:03:45.319 looking to raise my taxes. But believe it or not that census information cannot 1527 02:03:45.319 --> 02:03:49.039 be used by local assessors. But no one believes that. Everyone believes the 1528 02:03:49.079 --> 02:03:55.159 government. I mean everyone mistrusts the government, so they don't want to they 1529 02:03:55.199 --> 02:04:00.159 don't want to do it. So by the way I saw it, it's 1530 02:04:00.199 --> 02:04:03.520 pretty easy to sign on. It really does look pretty easy. Now, 1531 02:04:03.560 --> 02:04:06.399 Becky, what is your comment? Becky just called in? What is your 1532 02:04:06.439 --> 02:04:13.359 comment on this? So? I used to work as an enumerator for the 1533 02:04:13.399 --> 02:04:17.439 census, and we just did the census in twenty twenty yes, so there 1534 02:04:17.520 --> 02:04:23.880 is no reason why she would be getting a mailer from the census. Yes, 1535 02:04:23.960 --> 02:04:28.479 yes, there is every ten years. No, that's the extensive census 1536 02:04:28.880 --> 02:04:33.039 they do every single year. They do the community surveys and they randomly pick 1537 02:04:33.119 --> 02:04:38.359 communities. That's I already read about it here, so that the one you're 1538 02:04:38.439 --> 02:04:43.800 talking about is every day answering those kind of questions, but you actually work 1539 02:04:43.840 --> 02:04:45.760 for them. The one you're talking about, you're correct, they do every 1540 02:04:45.760 --> 02:04:49.720 ten years. That's the that's the actually you know, I knocked on the 1541 02:04:49.760 --> 02:04:54.199 doors and I met with people, and yet how many people lived in the 1542 02:04:54.279 --> 02:04:59.840 apartment or the house or whatever. But did you mind a lot of resist, 1543 02:05:00.359 --> 02:05:04.279 Becky? Did you find a lot of resistance? Not at all. 1544 02:05:05.279 --> 02:05:12.840 Really, everybody was very welcoming, everybody was willing to answer the questions and 1545 02:05:14.720 --> 02:05:20.520 just it was really a very nice experience. Wow. Yeah, And Becky's 1546 02:05:20.600 --> 02:05:25.720 right. The big survey is the one that happens every ten years. The 1547 02:05:25.800 --> 02:05:30.279 community surveys are done every year, but not all over the country. Every 1548 02:05:30.359 --> 02:05:35.720 year they pick the ten year census, as I said, this is everyone. 1549 02:05:36.159 --> 02:05:43.439 Then in between they pick random counties or random addresses and every year send 1550 02:05:43.520 --> 02:05:47.880 out those questionnaires to those random ones and then they combine the data. So 1551 02:05:48.359 --> 02:05:51.359 Kathy, like I said, you know, you got to do it now, 1552 02:05:51.479 --> 02:05:55.000 Becky said she wouldn't do it, but she worked for him. But 1553 02:05:55.359 --> 02:05:59.840 I'm telling you they have fine people in the past, and you don't want 1554 02:05:59.880 --> 02:06:04.600 to to get into that. And as far as online, go ahead. 1555 02:06:04.960 --> 02:06:09.920 They tell me in their letter that the survey is to help meet critical needs 1556 02:06:09.960 --> 02:06:13.079 in your area, like the sitting on where to build a new school of 1557 02:06:13.079 --> 02:06:17.439 health clinics and fire stations, and they do all kinds. I mean that 1558 02:06:17.640 --> 02:06:23.279 just seems so bogus. Well I know it does, but I don't know. 1559 02:06:23.560 --> 02:06:27.319 Look at they also say it's it's for everything. I mean, it's 1560 02:06:27.640 --> 02:06:30.960 that the census information, not the people, not your name and address, 1561 02:06:31.439 --> 02:06:36.199 but the information is shared by tons of people. All of these surveys you 1562 02:06:36.279 --> 02:06:40.560 see, and all of these everything is based on it. I mean, 1563 02:06:40.600 --> 02:06:45.720 this is the central data point in the United States. People don't do their 1564 02:06:45.760 --> 02:06:51.800 own surveys. So as I said, everything I'm seeing says mandatory, mandatory, 1565 02:06:51.880 --> 02:06:56.920 mandatory. Like it or not, it's mandatory. So you know, 1566 02:06:57.039 --> 02:07:00.960 you can decide for yourself. And as I said, I looked online and 1567 02:07:00.000 --> 02:07:04.800 I don't see any issue at all. It let me write up right online 1568 02:07:04.920 --> 02:07:09.159 and again I had to put in a number there or something, so I'm 1569 02:07:09.159 --> 02:07:11.760 not one of them, so I can't get in there. But it looks 1570 02:07:11.800 --> 02:07:16.479 like it's working. Three O three seven one three eight two five five Simply 1571 02:07:16.600 --> 02:07:23.159 Floorsinc. Dot com, which is i NC for incorporation. Simply Floors, 1572 02:07:23.199 --> 02:07:27.079 Inc. 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They're also buying speculative properties, 1581 02:08:07.479 --> 02:08:11.079 rentals, whatever it is. If you need help with real estate, whether 1582 02:08:11.119 --> 02:08:18.119 it be the transaction or whether it be with the boundaries, the surveys, 1583 02:08:18.640 --> 02:08:24.039 the documentation, eminent domain easements, whatever it is. You can go to 1584 02:08:24.079 --> 02:08:33.119 the people who specialize in real estate law. O'Brien Legal Services olslaw dot com. 1585 02:08:33.479 --> 02:08:39.439 That's ol slaw dot com. O'Brien, that's Brad O'Brien and his team 1586 02:08:39.800 --> 02:08:52.600 are happy to help you. That's O'Brien Legal Services, olslaw dot com. 1587 02:08:52.720 --> 02:08:56.920 Hi, Tom Martino, you're a troubleshooter. So the community census, which 1588 02:08:56.960 --> 02:09:01.800 has done every year, is different than the ten years census. Mike's got 1589 02:09:01.840 --> 02:09:05.840 a comment on it. Go ahead, Mike, what's going on? Yeah, 1590 02:09:05.960 --> 02:09:09.359 yeah, I worked in the nineteen ninety census. It is a numerator 1591 02:09:09.479 --> 02:09:13.039 first, you know, he did the paper yeah, the paperwork shuffle. 1592 02:09:13.439 --> 02:09:18.439 And then when that ran out, I volunteered with other people and this other 1593 02:09:18.520 --> 02:09:22.880 guy to get the stubborn customers. And we right, right right, We 1594 02:09:24.000 --> 02:09:28.680 worked these slum hotels across this on Culfex, across the streets and said Sam, 1595 02:09:28.720 --> 02:09:31.640 as they tore them all down. But you know, I help one 1596 02:09:31.680 --> 02:09:37.000 guy falsify one because he just you know, he would he just went to 1597 02:09:37.039 --> 02:09:41.279 open the door and he just beat it. More answer. But when I 1598 02:09:41.319 --> 02:09:46.000 get those those lengthy ones. I just I falsify it. I just make 1599 02:09:46.039 --> 02:09:50.760 it up. You know, you know, if you make a good faith 1600 02:09:50.079 --> 02:09:54.359 if you make a good faith effort. And again, I don't know if 1601 02:09:54.359 --> 02:09:56.920 they take you to court to try to figure out if you lied or not. 1602 02:09:56.079 --> 02:09:58.960 Anyway, but a lot of people tell me they do that too. 1603 02:10:00.159 --> 02:10:05.560 They falsify or they not falsify, but they just write down random stuff that 1604 02:10:05.800 --> 02:10:11.279 might be close. Now, technically, if you know something to be not 1605 02:10:11.600 --> 02:10:16.880 true and you exaggerate one way or the other, supposedly that is a crime. 1606 02:10:18.239 --> 02:10:24.359 That's worse than not answering. But well, well the White House can 1607 02:10:24.399 --> 02:10:33.479 lie to us. No, not our white House. You know. It 1608 02:10:33.600 --> 02:10:37.960 is amazing though, when you bring that up seriously, Mike, if you 1609 02:10:37.039 --> 02:10:41.760 read the campaign emails from either side, honest to God, did you every 1610 02:10:41.800 --> 02:10:48.680 single time Biden gets on the air or makes a speech or does an email, 1611 02:10:48.119 --> 02:10:54.920 he outlines all of these major things he's done in three and a half 1612 02:10:54.000 --> 02:10:58.239 years. I mean, I swear to God, and he says every time 1613 02:10:58.640 --> 02:11:03.520 he's accomplished more than any president in history, or in thirty five or fifty 1614 02:11:03.600 --> 02:11:09.359 years or whatever. I don't know where I was, but anyway, thanks 1615 02:11:09.399 --> 02:11:11.680 Mike three h three seven on three Talks seven one three eight two five five. 1616 02:11:13.439 --> 02:11:16.239 No, I am so tired of when these presidents do this crap. 1617 02:11:16.479 --> 02:11:20.399 I mean all of them, you know, when you think about what they 1618 02:11:20.479 --> 02:11:24.239 say, and when he says he took the worst economy and turned it around, 1619 02:11:24.960 --> 02:11:28.279 Uh, the one he was handed it was after COVID. I mean, 1620 02:11:28.560 --> 02:11:33.720 that's kind of like a little disingenuous, don't you think, Chopper? 1621 02:11:33.039 --> 02:11:39.239 You got to follow up, Deputy Chopper, what's happening? Yes, Tom. 1622 02:11:39.000 --> 02:11:45.640 Last week at Kayla called on a car repair at Grand Valley Auto Repair, 1623 02:11:46.119 --> 02:11:52.479 a two thousand Suparu Legacy. She said, she said it was a 1624 02:11:52.560 --> 02:12:01.039 seventeen hundred dollars thing and she's having the same problems right, And she took 1625 02:12:01.039 --> 02:12:05.239 it to Subaru and they said it was one thing. And she took it 1626 02:12:05.279 --> 02:12:09.000 back to Grand Valley they said it was another thing. And I reached out 1627 02:12:09.039 --> 02:12:11.560 and I talked to her, and I said, why don't you just ask 1628 02:12:11.680 --> 02:12:16.840 Grand Valley one question? Why did they think their mechanic is better than the 1629 02:12:16.039 --> 02:12:22.600 authorized repair station at Subaru. Well, she called me back last night and 1630 02:12:22.640 --> 02:12:26.319 said they agreed to pay for it. My car's fixed and thank you. 1631 02:12:28.119 --> 02:12:35.000 Wow, Wow, geez, just from that, just from that question. 1632 02:12:35.039 --> 02:12:39.039 You know, it's amazing sometimes how a little empowerment to a consumer telling him 1633 02:12:39.079 --> 02:12:45.319 how to how to fight a battle can help, honest to gosh, Tom, 1634 02:12:45.960 --> 02:12:48.239 So let me ask you some chopper. Have you yes, sir? 1635 02:12:50.079 --> 02:12:56.039 Have you ever taken part in the census? Yes? And I was paying 1636 02:12:56.039 --> 02:12:58.000 a little bit of attention to what you were saying, and yes, they 1637 02:12:58.079 --> 02:13:05.479 do handle leaflets and stuff like that. Later, but did you But have 1638 02:13:05.600 --> 02:13:11.319 you ever answered the questions or do you resist? No? I'm just someone 1639 02:13:11.319 --> 02:13:15.199 to stop paranoid. I guess when you flew the black helicopter, you just 1640 02:13:15.199 --> 02:13:18.840 don't worry about things like that. I don't know, I kind of I 1641 02:13:18.840 --> 02:13:24.520 don't know, and I just don't get it. I don't get it get 1642 02:13:24.600 --> 02:13:28.600 shook up about that kind of stuff. And it is a little paranoia. 1643 02:13:28.680 --> 02:13:35.319 But man, it's amazing how many people are now texting me. They just 1644 02:13:35.399 --> 02:13:39.319 can't stand the senses and they're saying like, and I'm talking about from all 1645 02:13:39.399 --> 02:13:43.239 walks of life, they just don't trust it. Jennifer is another comment? 1646 02:13:43.359 --> 02:13:48.079 Go ahead, Jennifer, what do you have to say about it? Yeah? 1647 02:13:48.199 --> 02:13:52.840 Tom, Remember we should keep in mind that the purpose of the Census 1648 02:13:52.840 --> 02:13:58.119 Bureau is to enumerate the population. Yes, he knows this, and that's 1649 02:13:58.279 --> 02:14:01.840 it. They have no more authority than that. And that's why whenever I 1650 02:14:01.920 --> 02:14:05.840 get a census form or the community census, I just trash it. I 1651 02:14:05.880 --> 02:14:09.600 pay no attention. If they come to the door, I tell them how 1652 02:14:09.680 --> 02:14:11.840 many people are there, and that's it. And they go, well, 1653 02:14:13.000 --> 02:14:15.640 if you don't tell us, we can we can prosecute you. And I 1654 02:14:15.680 --> 02:14:18.439 tell them, bring it, bring it. You know what, hey, 1655 02:14:18.439 --> 02:14:24.880 you know you don't realize that in some cases it helps. Look what happened 1656 02:14:24.119 --> 02:14:30.199 to Colorado. We've got an extra seat in the House of Representatives because our 1657 02:14:30.239 --> 02:14:35.880 population went up. You personal problem to me, Well, what he's saying 1658 02:14:37.000 --> 02:14:39.279 is it can benefit us, is what he's saying. Also, if you 1659 02:14:39.359 --> 02:14:43.720 think about it, I mean it can, it really can. In fact, 1660 02:14:43.760 --> 02:14:48.399 that's the only way they know how to a lot representatives and things is 1661 02:14:48.439 --> 02:14:54.479 by population. I've had them send me the community form and I nailed it 1662 02:14:54.520 --> 02:15:00.279 back to them on their address in Evans on Evans and South Tender there and 1663 02:15:01.439 --> 02:15:05.199 in about a week they said it back to me set act. I trashed 1664 02:15:05.199 --> 02:15:13.680 it and they never bothered me again. I wonder if anyone listen to this. 1665 02:15:13.960 --> 02:15:22.239 They say here that there are people who have been fined five hundred dollars 1666 02:15:22.279 --> 02:15:28.279 for false answers and if they don't pay, they go to jail. Right, 1667 02:15:28.560 --> 02:15:35.520 false answers because they signed the form under penalty of perjuries, who volunteered 1668 02:15:35.600 --> 02:15:41.720 into it. It says here the sentencing some of them have gone to find 1669 02:15:43.000 --> 02:15:48.760 Listen to this for refusing to answer census There have been people who have been 1670 02:15:48.800 --> 02:15:52.960 fined as much as five thousand dollars, and it says prosecutions are handled by 1671 02:15:54.000 --> 02:16:00.000 the US Justice Department, and there have been a handful of prosecutions in history, 1672 02:16:00.319 --> 02:16:05.880 but none listen to this, none occurring since nineteen seventy, not one. 1673 02:16:07.479 --> 02:16:11.479 Because they can't do it. They can't legally do it. They are 1674 02:16:11.520 --> 02:16:18.359 not authorized under the Constitution to do it. It's an empty threat. Like 1675 02:16:18.399 --> 02:16:20.800 I say, if you sign your name, are the penalty of perjury, 1676 02:16:22.039 --> 02:16:26.479 then they got you. If you don't do anything, they have nothing. 1677 02:16:26.439 --> 02:16:31.720 Well, so far, the what you're saying rings true because they haven't actually 1678 02:16:31.800 --> 02:16:37.200 prosecuted since nineteen seventy and that even includes a guy that gave false answers. 1679 02:16:37.239 --> 02:16:43.639 But anyway. I imagine though, I imagine that if Trump did it wrong, 1680 02:16:43.000 --> 02:16:46.360 they would come after him. I'm just guessing. Three zho three seven 1681 02:16:46.440 --> 02:16:50.280 one three talk seven one three eight two five five more right after this. 1682 02:16:50.959 --> 02:16:58.040 The art of granted is the art of countertops in your kitchen, and they 1683 02:16:58.040 --> 02:17:01.040 do cabinets too. What I love about the Art of Granite they do more 1684 02:17:01.079 --> 02:17:03.200 than granite. That's the name of the place. But they can fabricate granite, 1685 02:17:03.319 --> 02:17:09.719 quartz, quartzite, marble, limestone, any solid surface, man made 1686 02:17:09.920 --> 02:17:16.360 or natural stone. And they do it with Whosletsale on all materials, tear 1687 02:17:16.399 --> 02:17:18.879 out and haul away is free. If you call them, they give you 1688 02:17:18.879 --> 02:17:22.319 a price on the phone, plus free materials if you can get it from 1689 02:17:22.360 --> 02:17:28.120 their remnant yard. Give them a call. The Artofgranite dot com three three 1690 02:17:28.280 --> 02:17:35.799 three eight six fifty nine nineteen. Sheardan Auto Tech will gladly give you estimates 1691 02:17:35.840 --> 02:17:41.239 for all work they do upfront. Shardan Auto Tech on Callfax west of Wadsworth. 1692 02:17:41.719 --> 02:17:45.399 They do new and used cars. Well, when I say new, 1693 02:17:45.440 --> 02:17:50.399 I mean they can do regular services and keep it under warranty with their records, 1694 02:17:50.479 --> 02:17:54.440 and of course they can do pre buy inspections on used cars as well. 1695 02:17:54.479 --> 02:17:58.959 They do electrical issues. They do heavy and light maintenance and repair. 1696 02:18:00.639 --> 02:18:07.040 Shardanautotech dot com Honesty, Integrity, Value and Longevity three O three four five 1697 02:18:07.200 --> 02:18:18.639 five seventy two forty two. Hi Tom Archino, your troubleshooter three oh three 1698 02:18:18.799 --> 02:18:24.520 seven to one three talk seven one three eight two five five. Some actual 1699 02:18:24.639 --> 02:18:31.120 questions from the US Census, not necessarily in every one of them, but 1700 02:18:31.399 --> 02:18:37.719 in some of them. Were you sick enough today that you could not attend 1701 02:18:37.799 --> 02:18:43.959 to your ordinary duties? And if so, what was your sickness? Here's 1702 02:18:43.000 --> 02:18:50.440 another one. If you are a polygamist, are your wives related? How 1703 02:18:50.440 --> 02:18:56.319 about this one? Do you have a basement? All right? How about 1704 02:18:56.319 --> 02:19:03.200 this one? How many TVs do you own? Do you ever enter your 1705 02:19:03.399 --> 02:19:09.040 home through a front door or an actious me? Do you enter your home 1706 02:19:09.440 --> 02:19:13.680 through a front door? Or do you enter your home through someone else's living 1707 02:19:13.799 --> 02:19:26.280 quarters? Do you own a radio? Now? Okay? Are you in 1708 02:19:26.319 --> 02:19:33.639 a house, an apartment, or a mobile home? Do you own do 1709 02:19:33.680 --> 02:19:37.959 you have a mortgage? Do you own outright? What is your telephone number? 1710 02:19:39.200 --> 02:19:46.159 Well, that's not unusual. What about this sexual orientation? Yes? 1711 02:19:48.360 --> 02:19:54.959 Now, according to this they do not ask about sexual habits, just orientation 1712 02:19:54.719 --> 02:19:58.840 and how you identify as far as gender. Now it used to be just 1713 02:20:00.079 --> 02:20:03.920 male or female, but now they ask what were you assigned at birth? 1714 02:20:05.040 --> 02:20:13.879 What are you now? And some other questions. So the surveys change over 1715 02:20:13.920 --> 02:20:20.440 the years. They have different questions and different demographic issues they want to deal 1716 02:20:20.520 --> 02:20:26.079 with. They say it's for doling out support, government funding, for taxation, 1717 02:20:26.920 --> 02:20:33.600 for voting right, you know, representatives and all of that. So 1718 02:20:35.440 --> 02:20:41.559 it's probably and as I said, it's the number one reason people complain about 1719 02:20:41.559 --> 02:20:45.639 the government now that they complain a lot. Taxes is another one, all 1720 02:20:45.760 --> 02:20:50.959 kinds of things, but the census is universally the most complained about government thing 1721 02:20:52.360 --> 02:20:58.120 there is. Now, by the way, let me give this dinger for 1722 02:20:58.239 --> 02:21:03.399 that previous thing we had with Shopper who gave that woman advice on having paid 1723 02:21:03.399 --> 02:21:05.920 for and it worked. And Brian, you want to give a shout out? 1724 02:21:05.959 --> 02:21:09.959 Go ahead, Brian, what's going on with you? Brian? Hi? 1725 02:21:09.040 --> 02:21:13.520 Tom Heyns want to let you know I used the troubleshooter, Liz, 1726 02:21:13.520 --> 02:21:16.280 I've been. I've been using it, uh since I went with Compass Insurance. 1727 02:21:16.319 --> 02:21:20.239 I used Matt from Paragon when I had a hailstorm up here in Long 1728 02:21:20.319 --> 02:21:22.879 Month in twenty three. Did a great job, and he turned me on 1729 02:21:22.959 --> 02:21:28.879 to Genesis Total Exteriors. Thank god we got rid of my vinyl sighting. 1730 02:21:28.959 --> 02:21:33.399 We recited it with hardyboard and I couldn't be happier. My b me. 1731 02:21:33.559 --> 02:21:37.280 I gosh, man, you're you're a walking billboard. That's great. I'm 1732 02:21:37.280 --> 02:21:41.200 glad you had such good experiences. I recommend it to anybody. If you 1733 02:21:41.200 --> 02:21:45.239 don't want to have any headaches, I would use the troublesoon or less. 1734 02:21:45.440 --> 02:21:48.040 Thank you, man, I really, no, seriously, thank you for 1735 02:21:48.079 --> 02:21:52.920 telling us. That'ssreferralius dot com. Of course he's talking about and we really, 1736 02:21:52.079 --> 02:21:54.920 we really do stand behind the people. We love them, and uh 1737 02:21:56.040 --> 02:21:58.680 we monitor them and it's really good. All right. Now let's go back 1738 02:21:58.680 --> 02:22:03.559 to some questions I have by text. Let me just continue this. I 1739 02:22:03.639 --> 02:22:09.399 got to refresh it and hold on. Don't forget FDR use the Census to 1740 02:22:09.559 --> 02:22:20.319 identify Japanese Americans and inn intern them. That's something. Now I have questions 1741 02:22:20.719 --> 02:22:26.159 if surveys are mandated. Let's see, no one has been fined since nineteen 1742 02:22:26.280 --> 02:22:31.000 seven. That's right, I brought that out. No one's been fined since 1743 02:22:31.040 --> 02:22:35.840 the seventies, since nineteen seventy three. With people's distrust and hatred of the 1744 02:22:35.879 --> 02:22:41.520 federal government, they probably will never find them again. And then it says 1745 02:22:41.520 --> 02:22:48.000 here, if a census or jury duty notice isn't sent via certified mail, 1746 02:22:48.440 --> 02:22:52.920 how does the government know you received it? Oh, that's a good question, 1747 02:22:52.040 --> 02:22:56.680 John. Do you know how jurys are? Jury notices are sent down. 1748 02:22:56.799 --> 02:23:00.520 They're sent out regular mail, aren't they They are? They are, 1749 02:23:00.639 --> 02:23:07.760 Yeah, and they rely upon people to actually obey them, you know, 1750 02:23:07.920 --> 02:23:13.159 call in, do their thing, do their civic duty. But I have 1751 02:23:13.280 --> 02:23:18.000 been told by people that it's not since certified. They throw it right in 1752 02:23:18.040 --> 02:23:22.840 the trash and never give it another moment's thought, which is sad but truth. 1753 02:23:22.239 --> 02:23:26.319 Hey, John, is it true that once you mail something first classes 1754 02:23:26.399 --> 02:23:35.239 insidered as being delivered? Well, there is a legal concept that you know, 1755 02:23:35.280 --> 02:23:39.399 a three day rule that for time computation. But no, a first 1756 02:23:39.399 --> 02:23:43.760 class mail, I don't think gives you a certification or presumption of delivery. 1757 02:23:46.079 --> 02:23:48.079 All right, we have more coming up. I'm troubleshooter Tom Martino three h 1758 02:23:48.159 --> 02:23:52.440 three seven to one three talks seven one three A two five five. You 1759 02:23:52.520 --> 02:23:56.120 heard a guy call in and compliment us for referless dot com. So proud 1760 02:23:56.120 --> 02:23:58.479 of the people we have on there. I'm going to talk about two of 1761 02:23:58.479 --> 02:24:01.719 them right now. One for bathrooms, just countpath dot com. If you 1762 02:24:01.760 --> 02:24:05.879 want a discount bath, but a beautiful bath, and they'll give you prices 1763 02:24:05.959 --> 02:24:09.360 up front. They'll show you some imaging applications to see what it will look 1764 02:24:09.440 --> 02:24:15.479 like, and they get you any level of remodel you want for your bathroom 1765 02:24:15.719 --> 02:24:18.879 or putting in a bath. Discount baths dot com, whether it be a 1766 02:24:18.879 --> 02:24:22.239 hallway half bath, or you want a full bath, or you want a 1767 02:24:22.360 --> 02:24:28.719 master bedroom bath, whatever it is. Discount bath dot com wants a shot 1768 02:24:28.760 --> 02:24:31.319 at your business, and as I said, there are no secrets. They 1769 02:24:31.719 --> 02:24:35.719 tell you everything up front so you know what you're in for and they can 1770 02:24:35.719 --> 02:24:39.760 get it done quickly as well. Seven two zero nine seventy nine, twenty 1771 02:24:39.760 --> 02:24:45.000 three, twenty two. Finally a company that realizes they don't have to charge 1772 02:24:45.000 --> 02:24:48.879 a lot of money to do the quality that you want. Discount bath dot 1773 02:24:48.920 --> 02:24:56.239 Com and another great home improvement company, in fact, the oldest home improvement 1774 02:24:56.280 --> 02:25:01.559 company in Colorado, KH Home Solutions. KH homes Solutions used to be KH 1775 02:25:01.600 --> 02:25:05.799 Windows That's why the website's khwindows dot com. They have Alpinwindows, the exclusive 1776 02:25:05.840 --> 02:25:11.479 dealer for Alpin made right here in Colorado for Colorado, the best window for 1777 02:25:11.680 --> 02:25:16.000 Colorado, thermally insulated, wonderful windows. Plus they can do windows, siding, 1778 02:25:16.040 --> 02:25:18.799 doors, and more. K and H has what you're looking for, 1779 02:25:18.079 --> 02:25:22.879 and they have it at great prices and dependability. Three oh three four two 1780 02:25:22.959 --> 02:25:33.280 one seventy one hundred. Hi Tom Martino, your troubleshooter three O three seven 1781 02:25:33.319 --> 02:25:39.760 to one three talk seven one three eight two five five So uh man. 1782 02:25:41.280 --> 02:25:43.079 People don't like the Census, I'll tell you that. By the way, 1783 02:25:45.319 --> 02:25:50.799 if you had to pick from the census the best, they have all kinds 1784 02:25:50.799 --> 02:25:54.879 of information. What's the best house for the excuse me? The best state? 1785 02:25:56.600 --> 02:26:01.040 Not the best, but the one with the most and the friendliest attitude 1786 02:26:01.280 --> 02:26:05.920 and the most per capita tiny houses? What state? If you had to 1787 02:26:05.920 --> 02:26:13.040 guess one, John, what would you say? Texas? Let's see, 1788 02:26:13.079 --> 02:26:18.360 Texas is number nine, not bad, not bad. One is Vermont. 1789 02:26:20.959 --> 02:26:28.799 Huh yeah, you know for tiny houses. Number two is Kentucky, and 1790 02:26:28.840 --> 02:26:35.479 then Arkansas, and then Maine, Minnesota, Montana, Alabama, Georgia, 1791 02:26:35.559 --> 02:26:41.799 Texas, Colorado Where are we. Colorado is number wow, where the hell 1792 02:26:41.959 --> 02:26:48.200 number thirty five in the top fifty, probably though, because we're buying a 1793 02:26:48.280 --> 02:26:52.799 ton of those things for homeless people. Tiny houses, by the way, 1794 02:26:54.040 --> 02:26:56.719 are not all cheap, by the way, they're not. They're starting to 1795 02:26:56.760 --> 02:27:01.360 make some more luxurious ones for seniors that have money that want to retire, 1796 02:27:01.760 --> 02:27:07.399 some of them going to Texas and getting their tiny house. Although Texas, 1797 02:27:07.440 --> 02:27:09.920 where does Texas rank here? Number nine? Okay, that's what you say, 1798 02:27:11.079 --> 02:27:15.520 number nine. But there's a few manufacturers down there. I think that 1799 02:27:15.639 --> 02:27:18.000 was why I was led to believe. And these are not mobile homes. 1800 02:27:18.040 --> 02:27:22.079 You understand that they're tiny homes and they're there now. Some of them are 1801 02:27:22.079 --> 02:27:26.639 pre fab obviously, but they're not mobile homes. They literally get put on 1802 02:27:26.639 --> 02:27:33.280 a slab or a foundation and they're they might be built off site. And 1803 02:27:33.319 --> 02:27:35.879 some of them are quite cute, you know. But when you think about 1804 02:27:35.920 --> 02:27:41.760 it, they say this might be the trend for a lot of young people 1805 02:27:41.799 --> 02:27:46.120 today, tiny houses. I don't know if I like that or not. 1806 02:27:46.920 --> 02:27:50.879 What do you think? Okay? I was just looking at something else and 1807 02:27:50.920 --> 02:27:56.399 happen to notice this trend. And right now the number one searched thing is 1808 02:27:56.520 --> 02:28:03.159 Jennifer Aniston. Apparently she had a lot to say about jd Vance. Why 1809 02:28:03.200 --> 02:28:09.639 the hell anybody cares? I don't know. The next one was this Washington 1810 02:28:09.719 --> 02:28:16.040 d C. Attack on this woman. God was how ruthless This single mom 1811 02:28:16.159 --> 02:28:20.159 was attacked by a group of teenagers in Washington, d C. I don't 1812 02:28:20.159 --> 02:28:24.280 know if you've heard about it, but that was search number two after Jennifer 1813 02:28:24.319 --> 02:28:30.639 Aniston, and she says the teens literally were giddy, they were enjoying it 1814 02:28:30.719 --> 02:28:35.159 so much, just beating the hell out of her. I mean, sometimes 1815 02:28:33.920 --> 02:28:41.319 it's hard to believe that this is going on park Fire's next Jasper Fire. 1816 02:28:41.360 --> 02:28:43.799 A lot of people are doing that. Yesterday, of course, it was 1817 02:28:43.879 --> 02:28:48.319 the speech that Biden gave from the White House, and then it was net 1818 02:28:48.319 --> 02:28:54.399 and Yahoo and all of that you would expect. However, Harris doesn't appear 1819 02:28:56.440 --> 02:29:01.200 in the top twenty five searches. What is that tell you? Since you 1820 02:29:01.280 --> 02:29:05.559 in that crazy have you have you seen all the crazy stuff that's that's out 1821 02:29:05.600 --> 02:29:11.399 there about Biden's speech? I mean there are people that are dissecting that thing 1822 02:29:11.520 --> 02:29:13.959 like crazy. I mean, yeah, zoomed in on his Dodger to say 1823 02:29:15.000 --> 02:29:18.879 that the watch had the wrong time and all this weird crazy stuff. It's 1824 02:29:20.000 --> 02:29:22.120 just I don't know how people have that much time on their hands, you 1825 02:29:22.120 --> 02:29:28.200 know. Anyway, I don't know either, And I do think he's kind 1826 02:29:28.200 --> 02:29:31.639 of being picked on now, I mean he really is. I mean, 1827 02:29:33.079 --> 02:29:35.000 you know, but but the guy won't lay off. I mean, I 1828 02:29:35.079 --> 02:29:41.000 swear to God. Every single speech he makes he warns us about dictators and 1829 02:29:41.200 --> 02:29:48.360 kings and our democracy. You know, people sometimes when they get old, 1830 02:29:48.360 --> 02:29:52.319 they just have a little talk track in their mind and and they just say 1831 02:29:52.360 --> 02:29:54.680 the same stuff over. Those are the talking points they got, you know. 1832 02:29:56.000 --> 02:30:00.559 We I mean, apparently America is going away if Democrats don't win. 1833 02:30:00.600 --> 02:30:03.479 But anyway, I just thought i'd let you know that. But it's gonna 1834 02:30:03.479 --> 02:30:07.520 go and we're gonna have a dictator, so I think that. Wow. 1835 02:30:07.959 --> 02:30:11.479 Anyway, I'm Tom Martino. Welcome to the show. I want you to 1836 02:30:11.520 --> 02:30:16.440 tune into UH referrals dot com for help Information Referrals and then call three oh 1837 02:30:16.520 --> 02:30:20.879 three Martino to get in line for a show. Seriously, three oh three 1838 02:30:20.360 --> 02:30:26.360 six two seven eight four six six for help and you can call it anytime 1839 02:30:26.399 --> 02:30:31.200 and then we'll get you on the next show. Guess three oh three Martino, 1840 02:30:31.559 --> 02:30:35.079 Thanks John for being here. Save all your problems for me right now. 1841 02:30:39.399 --> 02:30:43.959 Follow Tom Martino at Real Tom Martino, and stay connected with all of 1842 02:30:43.040 --> 02:30:48.600 us at six thirty k kayhow dot com and on the iHeartRadio app. This 1843 02:30:48.799 --> 02:30:50.879 is Denver's talkstation, six thirty k howse