Yea ripped up news, need advice who you don't have to come running just
as fast as we can. Show Shooter's gonna help come Man six is the
Troubleshooter Show. No Tom Martino, Hi, Tom Martino here, welcome to
the show. Three oh three seven one three talk seven one three A two
five five. That's the number in the studio. We also have our our
number for the Troubleshooter Network three oh three Martino three oh three six two seven
eight four six six. That's three oh three Martino that you can call her
text at any time and we'll get you on the show. You don't have
even have to wait. You know, we have a lot to talk about
today. One of the things I love talking about is with the heat the
way it is right now. Don't get ripped trust me when need comes.
So toa ripoffs, but I want you to be safe. If you need
your air traditioning checked eight eight eight heating dot com and they are especially great
if you're putting in a solar system. They have high efficiency electric units and
hybrid furnaces that do both electric and gas. Three three seven seven zero two
seven seven six. Hey, John Fuller's with us my co host today,
feel free to chime in, John. You know, really, if you
think about it, there's a trend that makes sense. Trade schools are up,
colleges are down. Colleges have been in a steady decline over ten years.
Still competitive, but a steady decline. And there are many many reasons
given. Believe it or not, not all young people feel it's worth it.
But another thing young People survey said, as who Richard Dawson said,
survey says on family feod you remember that time anyway. So one of the
things that one of the things people cited, we have young people who don't
who feel like they can't find a school aligned with their goals and their philosophies.
Now I'm not sure you need a school aligned with your goals and philosophies,
but there are some students saying that they don't want to be indoctrinated by
the way one way or the other. They want education. They feel education
should be facts and figures and history and all of that. I don't know
if that's possible, because every single person who will teach will give their bend
to it. Everyone. I'm not sure it's right or wrong. I just
know it's going to happen no matter what. When you give history, you're
gonna give opinions, You're gonna give your lecture. I don't know if education
can be totally objective. I don't know if it can be, so then
we're faced with the idea. If it can't be objective, then what is
it. It's skews toward the person doing the teaching, And right now we
have basically mostly liberal people teaching, and they're teaching, and I'm not saying
they're trying. I don't like the word in doctrinate. I don't really see.
I don't believe there's some big plot to indoctrinate are young. I think
it's just the way they feel. I truly have said this before over and
over. I don't think people are trying to hurt anyone. I don't think
they are. I disagree with the Trump camp when they say the liberals are
trying to destroy America, and I disagree with the liberal camp when they say
Trump is the biggest threat to democracy ever. I mean, I think I
just hate when people do that. Now, No, we can disagree vehemently,
and I do with a lot of things, but I don't think anyone's
trying to destroy us. I think they, in their minds are trying to
do the best. So a lot of these kids saying, well, I
know they're you know, I just don't want to hear it. I don't
want to be part of it. A lot of Jewish students have been really
hurt lately because of all the demonstrations and violence toward them, even though they
have nothing directly to do with Israel's reaction to Hamas, they're feeling a backlash.
Yesterday when Natyaho's gave us each Some people would call it when he when
he preached, but I'm telling you he was really passionate. But there were
a lot of people protesting. Must call it like it is. They were,
They were liberals protesting. Now here's here's the bottom line. They're saying,
Okay, this is going far beyond self defense. Again, no matter
where you lie, I'm just trying to make the point here that people are
getting sick and tired. There are even surveys that show people are moving to
different parts of the country to be near people who are physically physical philosophy,
physic, philosophically, Thank you philosophically, my God, thank you for a
moment there I felt like Mark ha ha, he almost founds like a lawyer.
Yeah. So no, no, but there are people moving to align
themselves politically and philosophically. I mean, do you think there'll ever be a
time in this country where people move into air is based on philosophy or based
on I don't know, what are you politics? Do you think that will
ever happen? Seriously? I know people think it's already happening. I mean
they're part of Yeah, of course, there are parts of the country where
you just not want to go because it's known as a bastion of some some
one one one way or the other. Yeah, definitely. I mean think
about it. For a million years, Boulder has been viewed as, you
know, the People's Republic of Boulder. I mean, as long as I've
been in the state thirty years plus, it's been referred to as, you
know, something along those lines. So you should be fairly well, you
know, warned that if you move to Boulder, you're going to be surrounded
by to a large degree that philosophical And what about Colorado Springs that has the
opposite, Yeah, exactly the opposite. Okay, and then we have Florida
and Texas, but off to California. There are parameters that you have.
Not everybody has the wherewithal to just get up and move. So I think
you're talking about a lot of people. Yeah, you're right, they don't
have the wherewithal to get up and move. But the migration over time and
where kids move and kids live and stuff, Yeah, it's it's happening.
By the way, I want to mention that Kelsey's got a landscape or problem.
We're going to get to her. And then I just wanted to say
that I think that I'm going to make some statements here that I looked up
some crime statistics and most crime toward violence and people are happening in liberal cities
and states, but consumer crime and white collar crime are in conservative areas.
And I've said this before. I mean, you know, I've been one
way or the other, but I will say that when it comes to consumer
issues, and I'll just say it because I know I have mostly a conservative
audience. I mean, talk radio in general's mostly conservative, and I am
two in ninety percent of the areas of life. But I do believe,
and John, I know this is as an attorney, it cuts both ways
with you, guys, because I know a lot of lawmakers around the country
tend to with personal injury attorneys try to clip your wings. I mean,
I think it has been correct me if I'm wrong, do mainly conservative governments
feel leave business alone, leave insurance companies alone, and there they try to
cap your awards, whereas more liberal governments or entities try to give the consumer
more of the edge. As an attorney, I'm not asking you politically.
Is that right or wrong? Am I am? I am I lying dying
here. I think if you're painting in broad strokes, that's pretty true.
So it's morely, but it's but it's to be expected though, talk because
you know, the majority of business owners and people that are stakeholders, if
you will, you know, by and large that group tends to vote more
conservatively and stuff, and and they're the people that are the most impacted by,
you know, by these claims and stuff. I mean, listen,
I am as I that's this is what I do. Okay. I am
very, very very in tune to the plaintiff's personal injury world. And that
includes everything from you know, medical malpractice on down. And I've heard every
argument in the world and I've seen the effects of tort reform, and I've
seen the you know, both the pros and the cons. I own a
business, I am very sensitive to insurance rates going up, and I don't
want, you know, fictitious claims. And as an attorney, I also
don't want fictitious claims. I want my client's case to you know, to
stand on its own. And I don't take claims that are shady and and
I've certainly had plenty of opportunities needs to do that. But by and large,
your business owner class tends to be more conservative, and you know that's
that's the group that wants tort reform and controls and caps and damage you know,
limitations and all that kind of stuff, right right, I would say
that in general, and again, people, if you're listening, I'm not
trying to convince you to vote or to be one way or another. I'm
talking about the reality of life and what happens in laws and why people like
certain areas of the country and others don't. But in law, basically,
I've always found and sometimes it goes too far. But like for example,
in Colorado, we have a very liberal state right now, used to be
conservative then it was a little mix. Now it's very very liberal, and
we have very strong renters' rights now we never used to. So there's good
about that. There's a lot of good about that. I mean, people
need rights, but did they go too far? If you're a landlord,
you'll say yeah. So I've come to a conclusion and that is what we
need, is no lopsided one way or the other. I think the balance
of power is what brings us wisdom. I do, but again that's my
thought on that, and I am only looking at it from a consumer standpoint.
Now, Kelsey, you have a problem with a landscaper. By the
way, landscaping starts at about May, and we get problems through October and
November. What's the issue in general? And then we'll come back and take
it in detail. What's the issue, Kelsey? So, unfortunately, my
neighbor, three of us in a row here, have hired one particular person
to complete our backyards. And it's been almost two months and unfortunately they are
not complete. Not okay, not complete. But hold on, did they
at least start the job? They? Okay, hold on, we'll come
right back to you. I'm Tom Martino, three oh three seven one three
talk seven one three eight two five five. Waterpros dot net is a company
that I a person. Let's put it that way. Paul the waterman at
waterpros dot net is someone I truly believe in. He is so passionate about
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you what it will sell for, then what you'll net and what you can
buy. It's all free. It is a complimentary service. Frank wants you
to be a wise consumer, and he knows before you list, before you
do anything, you're going to want to know about what you'll make. Frank
durand the Real Estate Man dot com three oh three nine two zero sixteen twenty
two. And thinking of real estate, if you're facing any kind of a
transaction with real estate and you want someone looking over your documents, Oh Brian
Legal Services. He's our real estate expert. We've had Brad on the air
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Oh Brian Legal Services. Call him. He'll consult you on the phone and
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we just got up on YouTube and we stream every day on YouTube and Facebook.
So welcome my Facebook flunkies. Sorry, Byra, we had some technical
difficulties which means I had to reboot this system. Okay, yeah, so
we don't have a little bit. So are we up? Now? We
are up? We should be up. We're up. Okay, we're up.
Let me turn that down. You can tell when I tune in.
Okay, there we go. So anyway, welcome YouTube Moron's Facebook flunkies.
We're here and we are ready to go for you. Now, as far
as this landscaping thing, let's continue. Kelsey, So when did you guys?
What's that? Guys? Did you drop a line? Yeah, she'll
be right back. Okay, good, she'll be right back, John,
John Fuller, I got a question for you, Yes, sir, someone
wants to know with malpractice Tom. This is the text, So I'm just
reading. Tom always discourages. I don't always discourage, but the text says
I always discourage it, saying it's too expensive and you hardly ever, Win,
I don't want to put a negative bend on it, But but what's
the truth about malpractice? John? It really really is difficult, isn't it.
It is? I mean, the standard is very high, and we
have a mechanism in Colorado that requires that you have what's called a standard of
care expert before you file a lawsuit. And that means another doctor who has
the same or similar credentials as the one that you're complaining of that will go
on record up front and say the other doctor screwed up basically, And if
you don't have that, you can't file a lawsuit, or if you do
file a lawsuit instead is kind of get dismissed and you'll owe a bunch of
money. So the risk is pretty high. Now. Interestingly enough, we
have one major insurance carrier, That's what I was going to say, that's
the dirty secret. Yeah, that ensures most of the doctors, if not
almost all of the does. So if you're insured by them and you're asked
to be an expert against another doctor ensured by them, could you be blackballed?
Well, they'll certainly send one of their attorneys to sit in the meeting
with you. That you know, listen, the unmistakable message is that they
don't want any of their insured attorneys to be cooperating with plaintiffs that are bringing
malpractice cases. Okay, that's probably not a written policy anywhere, but it's
certainly in practice. And so the reality is that you have to go out
of state to find these experts that are not insured by this company, and
that does get very expensive, sometimes, you know, five to seven thousand
dollars just to get a doctor to review it. So it's not that you're
just trying to pooh pooh the medical malpractice cases. They are difficult, they
do cost an awful lot of money. They are for all the marvels,
and there's a very good chance that they're going to make you go all the
way to trial just because that's a way for them to win by attrition,
which means you, you know, you better be very well healed before you
can even bring that case, and second, all the way to the end.
So when you have the average little run of the mail bad outcome,
you know, a bad outcome doesn't equal malpractice. There has to have been
a mistake that you know that leads to the damages. And for the run
of the mill case is just not worth it. You know, Kelsey,
we got you back, So you and your neighbors hired who? We hired
John Marino with get her done landscaping? Get her done landscaping? And tell
me when did you hire him? We hired him right at the end of
May, maybe first day of June. And what's the problem that he started
all of the jobs some of the jobs? Are you speaking for just yourself
or the neighborhood? Tell me, what's how many people do you know hired
him? So I know of myself and three others, but hired him?
And what happened? He has started the jobs. He has started them,
he has not completed them. Now what percentage did he do of the jobs?
Like the most in the least, so I would say they're all probably
about seventy five percent complete. Okay, okay, Well it doesn't sound like
a rip off. It sounds like someone who's overwhelmed or maybe he ran someone.
Maybe he ran out of money too. He definitely runs out of money,
I can tell that. My biggest problem with him is that he tells
a lot of He's a he's a storyteller, that's for sure. He has
a different excuse and a different lie every day, and he also posts a
lot of tiktoks where he is able to spend his money and time at the
bar, but cannot seem to finish our jobs. Kelsey, Kelsey, he
got seventy five percent of the work done, So I got two questions.
First, the work that was done? Good? Better? Best? Good?
Okay? And does it does it have to be redone? Any of
it? Yes? Part of it will need to be readone now? Uh?
And did you pay more than seventy five percent? Yeah? Why my
bad? I guess did all of the neighbors pay ahead of time too?
Yes? Are you paid in full? Kelsey? Yes? Gosh, dang
it? How much you there? So in total we've paid. It just
depends on the house. But I would say, yours, what did you
pay for on the job? About thirteen thou thirteen? Okay? You paid
thirteen thousand for one hundred percent of the job. What does she say about
it? Every day? He says he's on his way to finish. I
mean, how did you find get or done? Let me guess what Facebook,
Marketplace or next door? He was door knocking in the neighborhood. Yeah,
that's by the way again, not a sign of a ripoff. But
let's put it this way, if we took a universe of ripoffs, we
would have ninety eight percent of all ripoffs start at the door. It doesn't
mean that everyone who comes to your door's ripoff, but if you took the
universe of people ripped off, ninety eight percent of them would say it started
with a knock at the door when it comes to home services. So it's
a bad place to start. But in any case, you got you're in
deep right now, and we're going to give him a call. Now where
is he out of? What? What? What part of town? Are
we talking here? So I'm in Severance. So he runs around here and
wins their it seems like prim okay, So he's up north yep okay.
And then I want to give him a call too, Like I want who
should we put on this Kachina. I'll give him a call right now,
Doc? Oh yeah, Doc's in the studio. Okay, Doc, let's
uh, let's do that. Let's give him a call and see if we
can at least hear what he has to say, get a good impression for
this, and we'll see. I'm Tom Martino three oh, three seven to
one, three eight two five five. You know, I just posted a
new video today on YouTube and Facebook and Instagram and all that. It's about.
We're not Facebook, but YouTube and all the rest. So here here
it is. It's about the whole house fan and an attic fan and how
ventilation is very important to cool your home and how to save on air conditioning.
And I recommended QC Colorado. I did that on my own. I
am a customer. I have them in my home and I'll tell you what.
It's unbelievable what it does. This fan, a whole house fan,
destratifies your air, evens out your temperatures. Therefore your air conditioner works less.
That's the short story. In reality, there's so many different ways to
use it. Some people turn it on in the morning and at night and
they turn the air off completely. Some people put it on all night,
or some people leave their house cooking all day. They don't want to waste
air conditioning and in order to cool it down it when they get home,
they turn on that fan and boom. Within ten minutes, the entire house
is cooled down and evened out, and then the air conditioner works less.
Qccolorado dot com. Check them out. You will love this company. You
will love the way they do business, and you will love how fast and
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eight hundred thirty four nineteen. Three oh three eight hundred thirty four nineteen Frank
Duran, The real estate Man dot com. Now you heard me talk about
his free analysis of your property giving you an idea of what to list it
for, what it will sell for based on his vast experience. I'm going
to tell you some other stuff. Frank also doesn't require you to stay with
him on a long term contract. Now, let me explain the comfort in
that he knows he's going to please you based on his experience, and he
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thousands of prospective buyers. Three oh three nine two zeros sixteen twenty two Frank
durand The real estate Man dot com. Tom Martino here three all three seven
one three talk three all three seven one three eight two five five. Welcome
to the show. We have John Fuller with us UH and we are here
solving problems. If you have any questions complaints. I do have a question
here. By the way, I gave out my private number, my private
Google number. It does come directly to me twenty four to seven, so
you can text me at seven four seven nine nine nine fifty two eighty seven
four seven nine nine nine fifty two eighty. Now we also have the station's
text which is five seven seven three nine. So anyway, I do have
a question here, and let me go to it. Okay. So somebody
wants to know about QC kinetics. That's QC and it's K I N E
t IX. They want to know what it is. Now I want to
explain something to you. This is really important to me. Regenerative medicine is
a word given to multiple therapies, multiple ones. Originally, regenerative medicine was
mainly something called prolo therapy that just means self healing and prolo therapy. Originally
and it still is there is it was injecting into painful areas an irritant like
cayenne pepper or something like that. Now you might ask, why the hell
would they do that to an injury or into a painful area. Well,
they used to be before that called trigger point injections or dry needling or any
kinds of stuff like that, where trigger point injections later became pain medicine injected
into that area or steroids. But really, originally, somehow researchers or doctors
knew back in the day that if you irritated an area, it would self
heal. Now, the injury itself might have been so severe you didn't get
that healing started, or you may have interrupted the healing by being immobile or
by icing or something like that. That's right, Icing actually interrupts healing.
Now, it does hold down inflammation and give relief, but it slows down
healing technically. When you get injured, the idea of swelling is to immobilize
the joint, and the idea of the white blood cells is to rush into
the area and to clean out the area, and then red blood cells to
increase circulation and then blah blah blah, so you heal again. Prolo therapy
would put an irritant into the join, which would cause your body to go
after the irritant and form a bit of scar tissue and healing tissue. That's
why scar tissue is more hearty than surrounding tissue, because it's meant to bind
and to secure. So that's what prolo therapy was. Then later on people
said, well, let's help prolo therapy not just do let's not just do
this injection of cayenne or capsation. Why don't we put some blood in it.
So they did platelets, blood platelets, and that's platelet rich plasma PRP,
and then that was used as a prolo therapy. That's a regenerative medicine.
Then stem cells came along and people said, let's do stem cells.
Here's the problem in stem cell therapy. You have two kinds. Two kinds.
One your donor stem cells are taken out and reinjected. The second kind
is where they take out stem cells from others and then they put them into
a lab and ship them around the country. Now, I want to say
something because this is really important and this cost me a lot of money back
in the day when I rejected people who did the shipping of the cells because
I wouldn't represent them. Now, as with everything in life, things change.
It is still best still very best to have your own stem cells harvested
and reused. That's the best therapy. You get more living stem cells if
you do that. Platelet rich plazas a good therapy. The combination is even
better. But here is what happens, Like a QC kinetics case, whatever
it's called. Yeah, yeah, the kinetics place, there's nothing wrong with
them. These places use mostly stem cells that are shipped in. You don't
get many living stem cells when that happens, but you still get you still
get regenerative powers. So to say it's useless would not be accurate. But
to say it's as good as other stem cell therapy would not be accurate.
So it does have healing qualities. That's regenerative medicine and QC kinetics. That's
what they do. As far as I know, they don't have They don't
have stem cells they extract from you. But maybe they do, but I
don't think they do. Somebody else wants to know. So that's the long
short of it of regenerative therapies. Now, technically steroids are not regenerative.
In fact, they're just the opposite. They do help, but they're degenerative
over time. And pain medicines are not regenerative. They're masking remedies and therapies.
Nothing wrong with it, but that's what they are. So you are
going to hear regenerative therapy used a lot like Denver Region for example, Denver
Region dot com I use. They do stem cell therapy. They extract them
from you and reinject them. But they also do ones that are shipped in
for certain things and they mix them with your own so they do a combination
sometimes and then they do some PRP as well. And they're right here local
denverregen dot com. Okay, so in any case, that is the story
about Regenda tre medice. Now I have another question here. This is for
some reason people detect it. Would it be a good idea to refinance your
house loan to become debt free? Okay, this is a this is all
in the math. If you can get a mortgage lower than what you're paying
in credit cards, even though you have to turn in a mortgage that is
low. Interesting for example, if you have a low rate like I think
this person is three point five percent. If you what you have to do
is say what am I paying right now? So if you have like I'm
gonna use easy numbers. One hundred grand you're paying at three point five percent,
and you're paying another twenty five at nineteen percent. You have to do
a mathematical formula to find out your blended rate. Okay, so let's say
your blended rate is twelve percent. Well, then yes, you refi because
even if your mortgage goes to seven, your mortgage is still going to be
seven. And then that twenty percent comes down to seven three point five goes
up to seven, but when you do your blended rate, it'll still be
lower than the blended rate you had beforehand. So it's all in the math.
And if you don't know how to do a formula for blended rates,
just ask someone or go online, use AI or something like that. But
that's the magic of math. There is no opinion here. You should refi
if your blended rate per month will be less. But there's one other thing
you should keep in mind. I'll go over right after this. American Restoration
is a company you hear me talk about. It's actually called American Restoration twenty
four to seven because they are available twenty four to seven, as any restoration
company should be. But the term restoration is used in a lot of situations.
Sometimes they're not really restoration companies that all their carpet cleaners or their plumbers,
or they're what contractors. Here's the deal. American Restoration has the EPA
certifications, the knowledge that know how, the insurances and the bonding and everything
you need to get the job done right. So please don't just call anyone
ask about their qualifications. Do they know about unattended death, black mold,
asbestos? Do they know about dangerous substances? Do they know how to abate
things the proper way? And have they worked with insurance companies? That's what
you want to know, And then you're going to call AMREST two four to
seven dot com or American Restoration eight three three seven am REST that stands for
American Restoration eight three three seven am REST. Hey, if you're looking for
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dot Com. Hey Tom Martino here. Now, one thing I wanted to
say. I did want to talk about a blended rate consolidation caution, but
I need to take Dave and then we'll get started with him, and then
I'll talk about it's good to consolidate if you can get a lower blended rate.
But there are some cautions when you do equity loans or refinancing to pay
off debt that I'll go over, I promise you. But Dave, go
ahead, and let's talk about this credit card fraud. What's going on?
Hey? Tom, good morning. Hey, I've got I'm looking for some
guidance on this. I head beck in May somebody. It's about a credit
card in my name, has my address on it. How do you know?
I got a bill? Okay, I got a bill from you know,
like a visa All right? Card? Now, now, so you
get the bill at your place, and did you look at the statement?
Yes? Where were the charges made anywhere? Anywhere place you're familiar with.
It's one charge and it's uh, somebody transferred from another credit card a card
yeah, so and you're positive it's not you, so obviously. So how
much is it about fifteen hundred bucks? Okay? Did you contact the company?
I've contacted the company? You know? Is it? Is it a
legit credit card? What credit card is it? Yes? Yes, it
is. It's a Breeze Easy Visa signature card. Okay, I look it
up online and you know everything else tells me it is okay, And so
what do they say, Well, they say, what they want is my
social security last to just my social security number and telephone number. Of course,
I tell them I'm not willing to give it to them. Why,
Well, I just figure that if they've got my name and everything else,
they've got plenty of information. Yeah, but they want to see how much.
Okay, I understand, I understand. Listen, here's what you do
then, okay, I'm not going to tell you what to do as far
as that goes. I would give them the last four digits and I would
give them the information. But I'm going to give you some very important information
on how to handle this, okay, and it's critical that you follow my
steps. We'll do that right after this. I don't want to rush you.
And a lot of people just face this. They do face this,
and they want to know what the hell do I do because they're going to
come after you, okay, especially if you don't cooperate, because if you
don't cooperate, they're going to assume you're guilty. We'll address this right after
that. Plus cautions on consolidation ripped up needed so you don't have come running.
Just as fast as we can. Shooter's gonna help come. Man.
This is the Troubleshooter Show. No Tom Martino, Hey, Tom Martino here,
Welcome to the show. Three O three seven one three talk seven one
three eight two five five. Okay, so listen, we have a number
of discussions going on. I want to get right to him. I have
John Fuller with me to my personal injury expert, my accident lawyer dot co.
And he's talking about more than just a personal injury. But if you
have any questions you can call him. I want to talk about this blended
rat thing. Okay. Now, now again, it's a mathematical formula.
So you have a certain percent you're like a certain amount of money you're paying
at, let's say three percent on your house, and then you have credit
card bills you're paying at nineteen percent or twenty percent. And then you have
what's called a blended rate. That means you take the percentage you're paying at
certain percentage and the other percentage're paying at another percentage, and you get a
blended rate. A blended rate means your real rate you're paying every month for
all your bills not just one of them. So if your blended rate turns
out to be lower than your blended rate before a home equity loan, then
that by all means refinance. So if you have a three point five percent
loan, okay, and it's one hundred grand, let's say you're home I'm
using fake numbers. But let's say your home loans one hundred grand and you're
paying three point five percent and that's all you have, then you're blended rate
at three point five percent. Right now, Let's say you have another one
hundred grand in credit card bills. So let's say you're paying five percent on
your home at one hundred grand, and you're paying ten percent or you're paying
fifteen percent on the other one hundred grand. Then you can see where that
average would be easy to figure out. Where it gets more difficult to figure
out a blended rate is where you have different bills at different interest rates.
But you can figure out a blended rate. When you do, you then
compare it, and if you can refy your home and get a lower blended
rate, you should do it. But there is some caution here. Here's
the caution when you consolidate your credit cards. You're putting a lot of short
term assets into a long term loan. That's not good financially because a lot
of the things you're throwing in there might be vacations or clothes or an appliance
that aren't meant to be financed for thirty years or twenty years. So it's
a bad financial move, although it's saving you monthly. So what should you
do about that? If you get a better blended rate, it's your turn.
It's your chance. I should say to pay more than on the part
of the principle that represents short term assets. So instead of paying mostly interest,
because you've lowered your blended rate, you can now take extra money and
put it toward the principle for that part of the principle that you need to
pay off. The other thing you can do is this, You can also
take the blended rate you have and keep it the way it is, but
you can't keep adding to it. A lot of times, when people pay
off their credit cards with an equity loan, they have empty credit cards and
psychologically feel, oh, I can use that card, and so they start
charging them up again, and they end up now with twice as much debt
they have the debt they refit into their home that they had forgotten about,
and now they have new debt piling up on their cards. So those are
the two cautions. Pay off the principal quicker, the part that represents these
these assets that won't last, or these or the makeup or the vacations or
whatever. And then also don't keep loading up your cards. Now with the
credit card fraud, Dave says, what do I do? They want the
last four digits of my social and they want some other information. Well,
Dave, I personally don't have a problem with that, but I'm not going
to tell people to do it. So you really only have two choices,
okay, really only two. One you cooperate with them and hope that they
realize it's not you. But some people feel, oh, they're just going
to use that information to shore up there information to see to make it look
like me. But John Fuller, attorney at Law, I want to ask
you, somebody, what do you think the chances are of a legit credit
card company saying you call and say, somebody took out this card my name,
it's not me, and they ask you for information. What do you
think the chances are and I really want your honest opinion of them taking that
information and now putting it into that application to make it look more like you
fairly slim Tom. You know, the credit card companies can actually go out
and do searches, and I only know this from personal experience, where you
know, if they're looking for Tom Martino, they can put you know,
or anybody really close to Tom, so you may get a same birthdate,
or another Martino that lives, you know, one door down. And what
they're trying to do is find somebody that's that's kind of impersonating somebody else or
you know, that kind of stuff. And so they can already do that
without the social so they likely found to you that way, and so all
they're really probably trying to do is to verify that you are who you say
you are. And that may be one step closer to getting it worked out,
but I doubt that that's going to make them come after you any more
than they already are. That's a thank you, that's well put, and
that's the way. That's what I wanted to say, Dave. But like
I said, you have two choices. One is to cooperate. The second
one is not to cooperate. See just two choices. Now what happens if
you don't cooperate, they're going to not believe you and they're going to come
after you, which is fine. They can come after you. They're also
going to try to maybe put it on your credit report. It's better if
they come after you in court because what you'll simply do is show up at
court and defend yourself. It's not me. They'll have to show signatures and
proof, and they won't. They won't be able to. It's that simple.
Okay. You can also exercise your rights, tom you can. You
can you know, demand that they provide you written evidence of debt and you
know, your signature, and I mean, you can go down that road
and make them do that stuff. And they'll have to do that. But
you know, chances are whoever opened that credit card, you know, probably
did sign your sign, your name to it and stuff. So they may
think that they're, you know, doing the lord's work here and that it's
a completely legitimate prove of my and Dan. They're not. By the way
the car opened. And that's why I want to say something. That's one
of the reasons they want your the social and other information because they can't share
the information with you unless they know who they're dealing with. And if it
was John, John and Tom, if it was physically like a different state
or city, that's also, isn't that Sometimes? Yeah, I mean if
it was open in Georgia and he's in Colorado, that's certainly going to make
his case for him. But let me explain something to people that they may
not realize. And I don't mean to speak down to people, but this
is something that we also have to realize. There are a lot of consumers
who are really good at scamming this way. In other words, they actually
send their credit card information to a relative in Georgia and they say, go
on out to a Best Buy and let's buy two Giant TVs. You send
me one and you keep one, and then I'm going to protest the charge.
I mean, there are people that do that. So then they protest
the charge saying I was never in what I haven't been in Georgia, you
see. So that's why just saying someone else did it is not enough.
But when push comes to shove, they have to show that it was you.
And actually, even if you did one of those scams where you had
a friend in Georgia buy you a big screen and bought themselves one, and
then they that the credit card company takes you to court. Even in that
case, they still have to prove it. And nobody's going to be able
to prove it. I mean no, let's put it this way. No
one will take the time to prove it. They'd go to look at the
security footage when the purchase was made, see who the person is. I
mean, come on, the practicality is they're not really going to come after
you if you say it was fraud. Do you realize a line item for
credit card issuers on fraud is just that they're right offs. They're right offs.
That's why we pay the interest rates we pay. It's a calculated write
off. So those are the two ways you deal with it. Three oh
three seven one three talk Mitch, you have a question, Go ahead,
sir. Yeah. My brother was you had a new plan built a stole
at one of those little uh Bush pilot plane. Yeah and I yeah,
I just got back and he had a trainer, he didn't have his license
yet, and this girl was training it and they went to Oshkosh and dropped
that plane on landing there stalled it and dropped it and he broke his pelvist
and they hurt and they're not wanting to tell people. Well, hold on,
let me, let me, let me analyze this. I don't know
what you're saying. I don't know who you're who the bad guy is here,
but hang on because it's interesting. Oshkosh is going on right now,
the largest air show UH for UH for people, and we'll talk about that
and more coming up. Three oh three seven one three A two five five.
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Hi Tom Martino here, I'm not sure where we're going with this,
but let's start now, Mitch. He says his brother ordered an airplane from
a factory I think he's talking about. And it's a stole airplane, meaning
short takeoff and landing. It's for bush pilots or people, you know whatever.
So he said he was taking the airplane to Oshkosh an air show and
there was an accident. Now, Mitch, he left a lot of holes
in the story. Let me ask you. Is this a factory built aircraft?
No, he it was built at the factory, but he did he
would fly there and do a lot of work as solf. Okay, So
this is called they're they're called home built aircraft, or they're called experimental aircraft.
It's where you participate in building at least fifty one percent of it,
and sometimes factories set up workstalls where you can go and do the work.
But they help you. Is that what he did? Ye? Okay,
So he got this experimental aircraft and then he took delivery of it. And
what happened then, Well, he took delivery and just finished it, and
then he hired somebody, that instructor that wanted to get hours so to take
it there so he could get flight time. I yet. Okay. Now
when he took it there, did he go with the instructor? Yeah,
he was in the plane. So he hired an instructor to take him in
this plane to Oshkosh. Yeah from where? Uh, South Carolina, I
believe. Okay. Then what happened, Well, when they came around you
know that little grass one ray or something, she stalled the plane that dropped
about thirty feet and the instructor stalled it too high. Yes, because we
all stall when we land, right, that's what you do. You stall
about six inches above the ground. Right. Okay, So so she miscalculated
and she landed hard yep. And did it hurt him? Well, he
cracked his pelvis. He's pretty sore. I don't think. Oh my gosh,
did it did it destroy the aircraft? It's hard to tell, but
yeah, all the framework inside and the landing gear is pretty much bent everywhere.
Okay. And did she hold her did you say it was a she?
Yeah? Did she hold herself out as an expert in that type of
aircraft? You know? I don't know that part. She was the people
that build and suggested her do it. Okay? And may I ask another
question. When you build an experimental aircraft, whether it's at the factory or
at your home, you're supposed to have the FAA or a designee inspected to
get an air worthiness certificate, and then you're restricted around an airport for a
certain amount of time before you you can fly across country. So did he
do all of that? He was flying it there a little bit. I
don't know how much, but uh, I'm going to it. Let's assume
for argument's sake, he did everything legally to get it to where he could
take it to Oshkosh, and then he hired this instructor. So is he
wondering if he has a case against the instructor? I think so? He
had insured for two hundred thousand, which it was probably worth or something.
They didn't want to go through insurance or anything like that. Now, hold
on, did he also have insurance on that for his medical payments or personal
injury. Well that I don't know. I just left him, but he
was pretty much Now is the instructor? Is the instructor hurt? I don't
think so. I mean a little beat up, but not I don't think
so. No, they walked away because let me just tell you something.
And is the plane still there? Yeah, he had entrance company. They
put it on the trailer and they're storing it there. Now. Okay,
now you understand she could actually sue him. Do you understand that? No?
I didn't because he built the plane. Yeah. And and this is
the little known secret about experimental aircraft. You're taking full responsibility. She could
claim that it was defective. And that's why she stalled it. She was
trying to say that he was on the plane. And see she's already trying
to say that. So John, this is a mess, right, John
Fuller? Okay, the way here? Yeah, what do you think I
mean he's worried about going after her, She has to worry about her coming
after him. Yeah, I mean this is really more up your alley as
far as the airplanes and stuff are concerned. But it just sounds like a
mess when you're dealing with these homemade you know, yeah, planes and different
certifications, and let's call it, let's call it an experimental car, let's
call it a hot rod. Right, what would happen? I mean,
you'd go to insurance first, right, for coverage for the injuries, of
course, okay, and then after that you would go if you wanted to
do. I mean, in other words, if you hire someone, you
drive a race car driver to race drive your hot rod out to a car
show, and you're with him and you get in an accident, I mean,
either one can sue either one. Right, you could say he was
driving recklessly. He could say it was effective. Well, of course,
and one of the two of you is going to be right, or there's
going to be an allocation of responsibility through you know, some sort of a
comparative negligence or assumption of the risk or something along those lines. But I
mean, listen, insurance is not a separately liable party. It's just a
substitute payer for some person's liability. So if that if the if the pilot
is negligent in the operation of the plane and crashes, and it's the pilot's
fault, then the insurance company is going to pay for the damages that were
done by the pilot. It's not Orange Company is a separately liable entity.
Right. And here here's another thing. Okay, does she have anything?
If you do? Sure, you know. Here's the other thing, Mitch,
she has to look at Some instructors actually have insurance that they carry while
they're instructing. Does she have insurance? I guess she should have. Well,
not necessarily, not necessary, it's not required. So these are things,
these are things he's going to have to look at, John, Right,
But that would be a separate source of payment for her same liability.
Right. And she may be covered as a driver or a pilot under his
policy as a you know, an effective permissive user, or she may have
coverage under her own instructors you know, liability policy or you know, or
there may be any number of other you know, avenues of payment. But
it's still her negligens. Now, if there's a product's liability type you know,
component to this, the manufacturer or whoever that that entity would be,
may have their own liability, or it may be it split between the pilot
or the manufacturer. I like to think of it like this. You have
one basket of damages. I mean, you just have one basket of damages.
It's all your pain and suffering, it's your futures of everything. But
it's still just one basket. Now, who's responsible for paying the basket off
is a whole separate inquiry. And and there may be people that have have
a small percentage of liability, maybe ten or fifteen percent. There may be
people that own half of it or but you still just have one basket of
damages that you look for everybody to be jointly responsible for. Yeah, it
is really a weird, Mitch, it's a weird situation. Now, did
your brother did he require medical attention? Well, he went to the hawk
By did X ray, but there's nothing they can do on fracts of Pelvit's
really he's just sore. But he was also saying that now that that's happened,
because it was his plane, he's not able to get insurance that he
gets another plane for five years. Is that true? Oh? If Yeah,
for sure, I mean he's gonna have it. Well, especially an
experimental plane, it's hard enough to get insurance on those. It's very any
could yeah you can, Yeah, you can insure it. You can ensure
anything. I mean, really, if you pay enough. Experimental aircraft are
actually don't have a bad safety record really for those, but it has to
be done properly and all of that. And then John, you know the
fact there are two kinds of experimental aircrafts well, probably way more, but
the two main kind is what's called a kit that you buy from a factory
and it's been designed and it's been put together, it's been flown. And
so then you get one of those kits or you literally buy plans and you
go out and buy tubing and and materials and build it yourself. I mean
there. Yeah, so with a factory, I don't know of any and
I just looked it up ever of any kit manufacturers being held responsible for because
all they're selling our parts or components. And then but it gets really hairy
when they allow you to come to the factory and assist in the building process.
And you know, it's let's put it this way, it's one of
the last bastions of the frontier where people haven't been polluted yet. I mean,
and it's it's quickly I can see it going away. I mean,
and really you can also count on Tom, I mean in a completely voluntarily
or voluntary environment. Courts are going to enforce waivers. And I can't see
that any company would let somebody come into their place and participate in the construction
of a plane without waving fifty eight ways from Sunday. Potential liability of that,
you know, aircraft being unworthy down the road, don't you think absolutely?
In fact, the Experimental Aircraft Association is called the EAA. They put
on Oshkosh by the way. It's the largest pilots organization in the world.
And what it does is that it lobbies specifically for this kind of stuff.
So you you know they've been through it before. So Mitch what he should
call them for information? Although I will tell you this, they're going to
look askance at someone trying to collect from each other. It's almost like an
unwritten rule that when you're involved in this kind of thing, leave that leave
each other alone. You know what I'm saying. That's just the way it
is. So it's it's a weird area of law. I personally have done
an experimental aircraft from from from a kit and mine was even weirder because I
hired professionals to help me, and and so it just gets so crazy.
And when I sold mine, John, do you know I didn't sell an
aircraft? Did you know that I sold his part part essentially? Yeah,
that's that's exactly what I did. And not only did I sell parts,
they were they were not airworthy until that person decided to assemble them or reassemble
them or you know, inspect them, blah blah blah. So it's there's
just so many things that that can go wrong, Mitch, I person.
We don't think anything's going to come of this unless this person is heavily insured
and totally misrepresented herself. Three oh three seven one three eight two five five.
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Dot Com. Hi, Tom Martino here three O three seven one three
talk seven one three eight two five five. Welcome to the show. Here
to help you solve problems, answer questions, take complaints. Hey Tom,
Can I ask John a question? Yes, sir? Hey John, Yes,
sir. I took your advice. I went on board a uh A
dash cam right on I was watching some Let's have a question for you.
It's obvious that when I've seen these videos where somebody break check somebody and they
hit them, that the piece and who break checked them is liable. So
my question is, if what a stupid thing to do to you? What
are you trying to punish someone so you know they're trying Oh you mean they're
doing it on purpose. I thought it was like you're pissed off they're following
too closely. No, they're doing it to try and get an insurance claim.
But my question is this, Sean, if somebody break checks you and
then you're a responsible citizen and you wait and let them pull up and they
keep doing it. I know you're supposed to say X number of car links
behind the person in front of you, but if they keep break checking you
and let's say you go into them, are you liable because you weren't far
enough away. So you're wondering if after a certain threashold you can just go
ahead and hit them. Is that right? No? No, no,
no. No. Question is if you know, let's say your three car
lengths behind, and then you know they keep break checking you, are you
responsible or is it a deliberate attempt to create ashurance fraud? Doctor could go
either way. You know. The beauty of a webcam or a dash cam
is that you're going to have a video of exactly what transpired. Ultimately,
if you're the guy who's claiming the other guy who's at fault, you have
the burden of proof, just like I said the other day, and you're
going to have to prove that his negligence was greater than yours. And so,
you know, we've all heard of people that do this scoop and squad
or whatever they call it, where they pull in front of you and then
lock up the brakes and try to make you run into them. I don't
know if that's exactly the same as a breakcheck. Usually a breakecheck involves at
a road rage or something to where they got is upset at you and that
kind of stuff, and then you know, really the purpose of the breakcheck
is is almost more of an assault of sorts, you know, against the
other party to make them almost have an accident. You know, I don't
think really most people that are breakchecking are trying to get you to run into
them. They're just trying to fact that I looked it up here and they
say that. Most of the time they're trying to tell you to back off.
But there are cases where people have tried to put in insurance claims and
so it's both really, but most of the time it's just like saying,
stay off my back, you know, right. So what was your actual
question, though, Doc? What are you asking? Is it? Ever?
Are you ever held responsible for running into someone who breaks checks? Really?
That's basically my question. The legal presumption is that you're at fault if
you rear in somebody. So it's a rebuttable presumption. But to rebutt it,
you're going to have to prove that they were more negligent than you in
the cause of that accident. That's the legal answer. You're presumed to be
at fault because you ran into a car from behind. But it is a
rebuttable presumption, and one of those factors is going to be your nice new
video. Great okay, speaking of that, I just got a text on
this here and it says, here, what happens when you hit a bicyclist
a cyclist at a four way stop? They don't stop anymore? John?
Is that the same? I mean, you're not automatically guilty, are you?
Well? I hate that because I think bicyclists also have you know,
they have their own responsibility to not be negligent. And I think before you
blow through an intersection, even though you don't technically have a duty to stop.
I think you have a duty to not create an impediment by blowing through
a stop sound when there are other people that have the legal right away.
So I don't think you get to have your cake and eat it too,
Okay, three, all three seven. Yeah, it makes a lot of
sense. Yes, sure, I mean, but unfortunately that's a whole different
bugaboo for me and I. You know, I have a really nice mountain
bike or hybrid bike, and it's an e bike. It's not a free
wheeling scooter. It's not one of these big giant things you press the button
and go, but it's a pedal assist if you want it. And I
love riding, but I also there's just this prevailing attitude from cyclists and it's
almost like they're angry all the time. You would think you'd smile when you're
out riding your bicycle, they seem to be so damn angry. I don't
get it. Yeah, you know, I tend to default to the rule
of gross tonnage, which is kind of a boating term. But you know,
the guy, the guy who's bigger, badder and has the right away
he has the right away. Exactly. It's better to be wrong and alive
than right and dead, you know, So I don't know you're right.
There is that kind of you know, that mentality, and I think it
comes from just so many people that you know, drive to close leave it,
yeah, push him off the road that do a lot of stuff that
they really shouldn't do, so to a two way street. And I,
you know, I used to spend a lot of time on a road bike
and stuff, so I've seen it all. But I got a trivia question.
I got a trivia question. A right of way in the air.
A hot air balloon is there and it wanders off into some controlled airspace,
and there's an airliner who has the right away. I would guess the hot
air balloon dust as he's restricted in his maneuverability. That's exactly right. That's
in fact, the law reads, the less maneuverable aircraft has the right away.
Ding ding, ding ding. You should get my dinger. All right?
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six fifty nine nineteen. Hey, I want to talk to Joseph Canno.
I got a question here, Joe. Somebody texted me and said, they
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they want to know. They heard about an in service rollover, so they
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is right though, you know, that's exactly what it's called in service transfer.
And as longer excuse me, fifty and a half, you will be
able to take money out of the four oh one K and put it into
safety with our annuity, you know, and there's no penalty, right,
no tax event. In fact, some people take the entire amount of their
four oh one K, you know, they don't have to close the four
a one K. They can continue to work and the implorer will actually match,
you know, the contributions that the employee's making, so they can actually
take a portion of it, or they can take the whole amount out of
the four to one k. I suppose they are fifteen over fifty nine and
a half. I don't care if they're working. They can do that.
Now, there was something that came up yesterday I wanted to ask you real
quick. We talked about we always talk about rolling over a lump sum you
might have in a retirement account. But let's say you save some money,
okay, and you got money in the bank. I mean, there's nothing
to prevent you from converting some of that money. Again, you don't always
put all your eggs in one basket, but you can take a lump sum
of some of your money and do an annuity and get tax deferrals. Right.
Absolutely, that's what they call a non qualified annuity. Non Qualified means
that the money that you're putting into the annuity has already been taxed previously with
a savings account, investment accounts, broker's accounts, whatever. That is not
an IRA, not a four one K, that's qualified account. So when
you pull it out, you don't pay tax on the full amount. Then
that is right. Then they're going to tax to you on the money that
you already pay taxes on. That's the beauty of non qualified annuities now is
that done automatically, Joe. So if you have a non qualified like and
you start taking income, who figures out the tax ode on that that company,
that company that has the annuity will figure that out, and then you'll
automatically only pay tax on the amount of gain on the gain. That is
correct. That's absolutely correct. And a lot of people have both. They
have a qualified annuity and they have a non qualified annuity, so they can
actually and you know something else real quickly, then well, if that annuity
doesn't have any mandates like the rmbs that require a minimum distributions exactly who that
let's see total like almost like a beautiful right, let me give out your
number three oh three seven seven nine sixty six hundred. Appreciate that shoe seven
seventy nine sixty six hundred. My moneymway dot com. And by the way,
you call us now get on the show, get help information referrals three
oh three Martino. Leave a message if we're not there in the evenings and
we'll get back to you three oh three Martino News need advice, so you
don't have Shooter's gonna help. Come man, this is the Troubleshooter Show.
Know Tom Martine Hey, I'm Tom Martino. Welcome to the show. Three
O three East seven one to three Talk three oh three seven one three eight
two five five. Welcome. What's going on in your life? If you
need help with a consumer problem, don't wait, get it done as soon
as possible, and uh get a call to us and we'll try to work
on it and do what we can to solve your problems. And uh,
some of the problems that have been coming up lately very interesting. First of
all, Uh, we have John Fuller with us. People have had some
questions on personal entry one, including on aircraft accident with an instructor? Can
an instructor be held responsible? Almost anyone can be held responsible for anything if
the evidence shows. But that doesn't count as much as where do you get
paid? You know, so many people overlook that. Even with malpractice,
Yeah, even if even if, even if you prove malt, sometimes what
are the damages? And John, with malpractice And I don't mean to pick
on malpractice, because there have been giant lawsuits for malpractice around the country.
But one of the things that I find again, you know, the last
thing in the world people want to do is try to instruct people on how
they're not going to get what they think. In other words, when people
call me on the show about any kind of a problem, I hate telling
them, well, you know, there's not much we can do for you,
but let's talk about malpractice in that regard. For example, there are
people who went through excruciating pain and oh, they they left something in me,
and then they corrected it immediately. Okay, I know that sounds horrific,
but it happens, and it's ridiculous. So they oh, imaging showed
something was in them. That image horrified the person, and then you hear
I could have they should have almost died, almost almost exactly, or almost
paralyzed for life. I've hearn this. But then they corrected it, and
they corrected it immediately, and they corrected it without further harm and without further
cost. As crazy as you might not, as crazy it might seem to
you, there may not be enough damages to go after they went and messed
up your perfectly good case. Can you believe that? Mm hmm? And
really, John, Yeah, go ahead, you bring up a great point.
I mean, you know, and we laugh about it, we make
jokes, and oh, you had a perfectly good case up until you survived
and and all that stuff, but it's not a laughing matter. I mean,
people get hurt all the time by doctors. But here's the reality.
Doctors are people just like anybody else, and sometimes they make mistakes. Those
mistakes are called malpractice. But sometimes we just have bad outcomes. Even despite
the very best, you know, the practices getting employed, sometimes things just
happen and you end up with a bad outcome. And I mean I've probably
done a thousand intakes for medical malpramics. I began my career in a men
MAOL firm, and I bet ninety five or so percent of the cases that
we would get to call in were just bad outcomes, you know, just
something didn't go the way it was supposed to. And only when you have
an actual mistake that is coupled with real live damages that were caused by that
mistake, are you in the realm of medical malpractice? And John and that
got a lot of shocked to people, don't you think a lot of it
is communication, both before and afterice. I mean, when we go over
surgery, you try to be as honest as you can about what the possible
the outcomes might be. And then if some of that happens. Talking to
the patient explaining why it happened and what the remedy is really takes away a
lot of the anger that patients have. Yeah, well, I think you
bring up a great point. And but again, any bad outcome is going
to looked at or it's going to be looked at with a jaded eye,
because people think that, you know, anything less than the best outcome must
be the result of some mistake. And they have a really hard time accepting
the fact that sometimes bad things just happen, even despite the best and the
most appropriate efforts by the good doctor. But there are things that we tell
people that are known complications. Sure, and sign a whole big form that
says the same thing, listing out five hundred different things that could go bad.
But people just sign those and think, God, it's for other people,
that's not for me, right, ah you Okay, So here's the
deal. It's it's the kind of thing that if you have permanent damage but
temporary discomfort doesn't rise to the level. And and and we had one case
where an infant baby, oh my god, was given some drops okay of
medicine and horrific mistake was made she never gave the drops to her baby.
I don't forget. Oh god, it was so long ago. I forget
how it was decided. Yeah, it was so was it nitro or something
for heart or it would have killed her baby instant instantly forgetting it? It
didn't. And John, this person was so upset she wanted to sue.
And I said, but how do you explain? Okay, but what are
you suing for? Can you sue? I guess I'm going to ask,
can you sue for being scared? Can you ever sue for being scared?
Or what could have happened? I don't know. I mean, I guess
you could sue, right, but you know in a vacuum. Yes,
general distress is a real and it certainly can follow some really egregious behavior.
But you know, I recall that that that copulter call. I think you
guys brought me in on it. And you know, despite telling this lady
that, look, I mean, good on you. You discovered it.
You didn't give it to your child. If you had given it to your
child, yes, but thank god you didn't, and your child's okay,
And you discovered it, so your damages are very, very small compared to
what might have been if you had, you know, if you had given
that to your child, and thank goodness that you didn't. That's right.
It's a hard concept for people to get there so mad about what might have
been that it's very difficult for them to sometimes step back and go, wait
a minute, thank god, what that what might have been didn't happen.
I mean, I could make a kamala joke here about the things that were
that aren't that were that was, you know, but but the work salad,
but exactly, but thank god they didn't happen, and as a result,
you don't have any damages to sue about. Okay, So on this
I have an I have another question here. Let me see. I'm going
to this text. By the way, I'm accepting texts on a personal Google
number I've had for years and I've opened it up to the public now twenty
four to seven, and I will use it on the show and you can
reach me. It's seven four seven eight. Anyway, here's bottom line.
My ex roommate left a car in my garage. It is not roadworthy,
but they have not gotten it out of my garage. Okay, so what
can I do if this vehicle is all but abandoned. Well, that's the
whole point, is it? Abandon John? We get this a lot with
different things. But let me ask you, what would you do if you
had a roommate or somebody and they left a car behind. What would you
do? I'm assuming they're the owner of the property, the person who's writing
me. So what would you do? I mean, you have a car
there, you know, I always say common sense, but I don't know
if this person has it towed away or to a junkyard, an impound or
whatever. I don't know. Do you sneak it out in the middle of
the night so it gets towed off the street? What do you do?
Well? I think you would. I think you would start by giving notice
to the actual owner, you know, sending sortified letters and I'm going to
get rid of this. It's a property. If you don't come and secure
it, I mean, you've got kind of a notice problem. And I
don't know that the law imposes that, but I certainly think to cut off
at the past any attempts to suggest that you owe them for their their property.
Once you've gotten rid of it, you know, put them on notice
that you're going to get rid of it. And then that's a crazy idea
that they could just leave it and you somehow become responsible. Yeah. So
anyway, when you have, if you truly had abandoned property, again,
if you can show you tried to contact them and they never got back to
you, I would get rid of it. You know, you might.
You might even want to sell it and something like that, because then you
can prove the open the actual value on the open market. And then another
thing, the worst case scenario is maybe pay them what you've collected minus maybe
storage, I don't know, you know, you probably sue them for and
you know, some sort of of a storage fee that was an implied fee
of leaving it in your garage that you're having to pay rent on and get
a judgment and then technically foreclose against that. I mean, you could end
up taking ownership of that vehicle, but it would be a long path to
get there, but I could see that happening. Yeah, three three seven,
one, three eight two five five more Right after this, Hey,
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Rpcenter dot com. Nine seven zero sixty sixty three thirty two eleven nine seven
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nine nineteen. Hi Tom Martino, your troubleshooter three oh three seven one three
talks seven one three eight five five. It's amazing to me how many how
many emails I get about cars and how many questions. Now when I say
I get questions, some of them come directly to me on text. Others
come through email through help at troubleshooter dot com. That's an email address.
I also get them through nextdoor, I get them through YouTube and Facebook,
and I get them through even LinkedIn Instagram and things like that. So really
there's a number of places where I get increase. But okay, listen to
this question. I mean, I don't want to make fun of questions.
Every question I say is a good question, right, But here's the question
from James. Do you stay firm on the price when selling a car now?
I don't know if they mean do I or should you? But it
all depends. I believe the marketplace is the most accurate place to get pricing
on anything, because if it is worth it, it will sell. It's
that simple. If there's enough demand and you ask a price, it will
sell. If it will not sell for that price, you can only do
so much to convince people to pay it. In fact, most of the
time you don't convince people of anything. People convince themselves to buy it,
although a good salesperson can, but that goes a whole different there's a whole
different topic. If you're selling something on a one up thing, you're not
a professional. You're not going to talk people into anything, Okay, So
bottom line, you stay firm only if you are confident you're going to get
the price. And then what about buying a car online? Now, I'm
getting a lot of these car quest a lot of car questions in fact,
and I can't save them all for Car Day because there's too many. But
it says buying a car online outweighs the longer wait times for delivery, does
the convenience outweigh the longer wait times. What would you buy online? Of
course I would. I mean nowadays, buying online is exactly the same as
buying anywhere else, as long as you're dealing with licensed dealers. If you're
dealing with individuals online or in person, you can get ripped off with either,
but online there's more of a chance of getting ripped off. I can't
tell you how many times people have bought a car site unseen, site unseen
online from a private owner, through Facebook or through somewhere scent payment, got
the car and it was nothing like represented John. In a situation like that,
sure, you can probably go back through correspondence and prove someone lie to
you or cheated you. But then what do you do about it? What
do you do? What's the practicality? You've already taken the car, You've
already taken delivery. So I like online car buying. By the way,
I've purchased the last three cars I had online, but they were from licensed
dealers, John, How do you purchase I have done the same thing.
Yeah. Now, I'd like to tell you I go to a dealer and
haggle, but I don't. Yeah, So I you know, I generally
don't buy too many brand new vehicles, so a lot of mine intend to
be you know, direct buys with with owners and stuff like that. But
you know, I have bought a couple of vehicles off of eBay motors I
think, or online like that. Yeah. Now, by the way,
the reason I am the reason I am reading these is because I've had them
for so long and I on car days sometimes you can just do so many
car questions. We have so many calls on cars, so I don't always
get to them. But if you've written one of these questions, I hope
I'm answering them for you. But like like this one, and again,
I piled up more car questions than others because, as I said, I
saved them for car day and don't always get to them. Okay, other
questions I can get to, like during the week, but I kind of
saved cars and I shouldn't that they were piling up. How would you answer
this one? What are some hidden costs to consider when buying a car?
Well, there are a lot of them, but they're not hidden. Okay,
But I think the biggest problem is with the FNI department that stands for
finance and insurance. Okay, their job is to sell you products on top
of the car. That's their entire job. Some of these products are physical
products, like the things for the car, like coats, and they used
to be like, you know, pin striping. Now they do paint protection.
They call them and glow yeah, or or some of them are like
yeah, just crazy stuff. I'll tell you, almost almost everything they sell
you at a car dealership in the FNI department, In fact, I can't.
Yeah, almost everything they sell you is useless, or you don't need,
or you can buy cheaper one of those three. Useless you don't need,
well, that would be the same as useless you can buy cheaper elsewhere,
including the insurances. Never buy insurance at the dealer ever, okay,
never, not credit, life, not disability, not anything like that.
You can always buy that cheaper. Always buy it cheaper if you want it.
The next thing, the extended warranties. Never ever, ever, ever,
ever, I'm not talking about prepaid maintenance. There's nothing wrong with that.
But if you have to keep going back to that dealer, consider that.
But if you can go to any franchise dealer, prepaid maintenance packages are
the only thing they sell that I think are great deals. Now there are
some other things you may want to consider. And I personally learned a lesson
here. I didn't realize that new expensive wheels on a car, these aluminum
or magnet whatever they call them. These you know, you know what mean,
these wonderful, beautiful, fancy looking wheels, they're not hubcaps, they're
wheels. They're a magnet for damage. Go up sometime when you're in a
parking lot and look at the wheels of these fancy cars. Almost every single
one of them is chewed up or they have abrasions or scratches or something.
It's almost like you can't not do it. I mean, okay, So
this one guy asked me when I was buying this one car, fourteen hundred
dollars, he says, and it'll cover your wheels for the life of the
car, not just one clan, It'll cover it never goes up. You
pay one time, fourteen hundred bucks and it covers your wheels. I think
maybe there was one hundred dollars deductible, and I'm thinking it either replaces or
repairs. And I say, I'm not paying fourteen hundred dollars to cover a
wheel or wheels. Not three weeks after taking delivery of that dang thing.
I I don't want to talk about it, but I scuffed two on the
left side, and one of them could be buffed and fixed. That was
six hundred. The other one had to be replaced eighteen hundred. And I
thought, oh my god. So naturally I call a dealer and said,
hey, you know that protection I bought. No, I'm just kidding,
IIA, but anyway, I bought it from then on out, and it's
the most used thing I ever do. That's the one thing I because you
can't just go to your insurance company and buy protection for your wheels. To
me, you will never not use it. Unfortunately, John, are you
a reels perfect? Come on, I defy anyone on YouTube or anywhere.
Go on, morons, tell me about your wheels. Tell me you don't
have any kind of problems on your wheels. Go ahead. I have one
trailer that has really nice wheels on it, and I dinged them up.
Yes, I admit it. There's something about him. It's like they just
I don't know anyway, So I would buy that. Oh, don't ever
buy windshield protection. So a friend of mine buys windshield protection. You pay
forty five hundred or twenty five whatever you pay, you know, over the
life of the car, it's financed or whatever, and it replaces all your
windshields. Right, oh, bull, if you look closely, it's it's
not it's not forty five hundred, but well, whatever it was, you
got. You get up to forty five hundred or five thousand dollars in coverage,
meaning so you replace three windshields on some of them two windshields, you're
done. But they charge you this ridiculous amount. And then I call Compass
Insurance and he says, Tom, you're paying an extra ten or fifteen a
year for zero deductible glass protection. Right. If people knew how much profit
the dealers make off of all that different coverage, they would never buy any
of that because most of it is available, you know, elsewhere, but
the dealers making at least fifty percent of that premium as staying with the dealer
as just profit. Right. That's right now again, So go ahead,
John, Oh on my car, I was just looking at the purchase sheet.
There were ten additional options that the P and I guy may you know,
often me from extended coverage to windshield protection, to ceramic finished protection,
to gap product, all these things. That is what they try and make
their profit on. Yeah. Yeah, And by the way, I I
have no problem if they want to try to sell people stuff. I've seen
car deals where the extras on a car that started out at around forty five
to fifty or eighteen thousand dollars. Holy moly, No, I'm not kidding.
In fact, if anyone has purchased a car recently and you're listening to
this in a podcast or on a delayed stream or whatever, if you have
purchased a car, I would like to know the add ons you bought.
Now, I'd like to believe a lot of my listeners don't have a lot
of add ons, and not all add ons are bad. Like I told
you, there's nothing wrong. I think with prepaid maintenance you get what you
pay. In fact, you save money. There's no doubt, John,
did you ever look at prepaid maintenance? No, But I was going to
say, I really do think for a lot of people, gap insurance is
a good coverage. Well, and there's some caveats to it, and those
need to be explained. But you know the reality is when you roll off
the showroom or even if you don't buy anything else, I know you owe
more than that car as well that moment. Okay, But most of the
time, John, most of the gap is not something that's covered by the
policy. Most of the gap comes from from negative equity from previous deals,
or paying too much for a car. They will not They absolutely will not
pay for that. If you were stupid in buying a car. It doesn't
cover stupidity. It does cover if you're if you're a year into it and
your your your loan balance has gotten down a little bit. We've never had
GAP not pay when when somebody's had a total vehicle and the you know,
the fair market value of the total loss is less than they owe. We
have never had GAP not pay that. Different from my client, No,
Well, here's what I was going to say. In most cases, GAP
doesn't cover the gap in the In the areas it does cover. There are
certain times you if you mapped out a loan, there are certain time periods
that it will cover you, like within two weeks or three weeks of a
car. I don't mean it's written that way. I mean where it's mathematically
where they cover because, like you said, John, when you drive off,
So for a few weeks you're really vulnerable, then for another for a
year or so you're not, then afterwards you are. It depends on where
what cycle you're in on that loan as to what your gap does. Your
gap is most in the beginning and then diminishes and then goes back up again
toward the end if you have a long loan. But the point to make
it is even if you buy gap, John, Yeah, don't buy it
at the dealer. Well maybe, but your your example kind of presupposes that
you're you know, your your gap could be a lot higher. I mean,
my circumstances are when my clients, you know, admittedly sometimes oh a
crap ton more than the car is worth, but after you deduct the fair
market value from it, the amount the gap is being asked to pay is
quite a bit lower than you know, the actual value of the car.
Right. No, No, I never had a situation where they haven't paid.
Well, it's been a lifesaver for some of my clients, and and
and for the people that don't have it. The flip side of it is
you've got a big pile of negative equity and you don't have a car,
and you've got to figure out something to do. And if you don't have
that money, you got to go roll that into a new vehicle. So
you're but if you're going to buy it, I'm still gonna I'm just still
going to say this. If you're going to buy Gap, don't buy it
at a dealer. Buy it from your insurance people. And yeah, but
you've got to finance it. That's why people put it on at the dealership
because they don't have the money to go and buy that for cash at your
insurance agency or whoever. Get people. You know, you paid in a
premium, you paid in a premium, you're financing it. I mean,
let's I want to talk to Compass about that. I don't think you pay
a lump sum for GAP, but but can you get Compass on after the
break? I would like to ask him about that. I'm not arguing,
Listen. What I'm saying is this, but it's even if you're paying it
over six months, there's find out going to be that the person is paying
it over sixty months or seventy two or one hundred thousand months or whatever they
finance cars for these days. Yeah, versus paying it off in a six
put John. Okay, First of all, we're also going to assume that
if you buy it at a dealer and it's and it's a five year gap,
you're going to get money back when you sell it or trade it in
and you're not. You're not going to get a rebate. And and the
other thing is, it's all I'm saying is this. It doesn't cover you
want. It covers you one hundred percent of the time, but you're not
in gap one hundred percent of the time over the life of a loan.
And again, people, the gap it covers that John's talking about is the
gap in value versus a normal loan. They will not go more, ever
than one hundred and twenty five percent of value. So you've got to be
careful. Not one hundred twenty five percent of what you paid, it's one
hundred and twenty five percent of value. And people find that even with gap,
if this is the wrong kind of gap, it won't be covered.
I'm not telling you not to get it. What I'm telling you are two
things it very seldom covers. When it does cover the gap John's talking about,
buy it from a regular insurance dealer. But let's find out I got
to take this break. People are pissed at me. We got more coming
right up. Yeah, and let's talk about a situation where you want to
save money on ac where I was just talking to Deputy Doc about getting this
whole house fan for his place, and in my opinion, it's one of
the smartest purchases I ever made. Now, Frankly, the reason I made
the purchase is I was looking into this and he was going to advertise,
and so I said I'll buy it, and I bought it, and then
he became an advertiser. Now I am happy I met him because then I
put it in a second house. And the QC whole house Fan Quiet Cool
whole house fan does exis exactly what it says. It destratifies the air.
It makes the air more even, the temperature is more even, so your
air conditioner works more efficiently. That's the secret. But it also does something
else. In some cases mornings and evenings, it takes the place of air
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If like you're out all day and you come home and your house is really
hot, ten minutes it's cooled down. Then your air Works less q Secolorado
dot Com. Honest to god, I'm a satisfied customer, and I'll just
sing their praises. Three oh three eight hundred thirty four nineteen. Hi Tom
Martinez here three three seven one three talks seven one three A two five five.
Brian Burns is with us from Compass Insurance Group. Brian, we're having
a discussion about buying gap insurance at a car dealer, and I said,
look, you know, gaping assurance doesn't cover stupidity. There's a lot of
things that doesn't cover. But mind you, there are probably times when it's
not a bad idea. It's not gonna it's not going to cover all situations,
but when it does cover it can be it can be a pretty good
help. But if I said, if you're going to buy it, buy
it from an insurance program, I'm sure you'll get it cheaper than you would
at a dealer. John mentioned some John mentioned something. He said, Well,
the reason people buy it at a dealer is they can finance it,
And again there's pros and cons there. You can finance it over three years,
five years, seven years, whatever your loan is, but you don't
get rebates if you sell your car, it's paid for and it's done.
But I want to know when you buy GAP insurance if I, Brian,
I don't even know if I have it or whatever, or how it works
with insurance. Do you like quote it for everyone? Or how does gap
work with you guys, we'll offer it on a brand new purchase. Really,
as you can imagine the least gap or loane gap. Usually leases have
it included in their lease payment, so it's not even really it's kind of
a moot point anymore. It's almost always in a lease I see at least,
but a loan, if someone's putting a decent down payment on it,
it makes no sense because it's it's truly there. You've already paid down the
loans. It's only when someone is financing it almost at one hundred percent do
you have that conversation. So we ask about it. But I will say,
to the point of you know, people being to finance it, I
don't think three people realize how cheap it is. It's not an expensive coverage,
so we're not talking about adding on a bunch of monthly expense onto your
premium. And it's not a lump sum. You don't have to pay a
lump sum for the life of the car. No, no, no,
it's per policy, it's per policy term and so. And that's the other
advantage is maybe you need it for the first couple of years until you paid
down your loan enough where if you have a loss, the value of the
car now is exceeds the loan amount. And so we're is if you get
it from a dealership, you're you're just getting a set amount that you're paying
of the life that loan. When you do it for insurance, it's you
can cancel it, you could get you could remove it at renewal after six
months, after twelve months, after what however long you need. That's a
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Three oh three six two seven eight four sixty six. Yeah, ripped
up news, you need advice? Who you don't help come running just as
as came. Shooter's gonna help coming Man Dix is the Troubleshooter show. No
Tom Martino. Hi, Tom Martino here, Welcome to the show. Three
oh three seven one three talk three oh three seven one three eight two five
five Welcome. We are here to help you solve problems, answer questions,
take complaints, make your life a little easier. I have John Fuller with
me, my accident lawyer dot CO. He's here to answer questions along with
me, and uh, let's talk, Kathy. What's going on. Well,
I got like a little half sheet of paper, fuller than half from
the United States Census Bureau, and I said, well, this is a
scam because you know almost everything Nowaday, that's weird as a scam. Well,
the Census Bureau does go around to Holmes and they do leave cards.
So what do they want? Well, it's such an extensive survey, and
it's just it's it's I think there was a lawsuit that when it came out
of Washington because they were asking really personal questions. Hold on, let me
ask you. You're right it could be a scam. I mean I don't
know if you're right. I mean, you're right to suspicious because it could
be a scam. So but let me ask you this. Did they did
they knock at the door, first, No, nobody's gone that far.
I'm supposed to have it filled out today, but I had what did it?
Was it mailed to you? Yeah? And was it mailed from where?
Where? The actress? Yeah? The address? And where do they
want you to? Where do they want you to send the information to the
US Census Bureau National Processing Center. There's a PO box Jeffersonville, Indiana.
Really Jeffersonville, Indiana. Okay, go ahead. This question a question you
know about your house? About are you looking for a job? You know,
could you work? If you know, we're retired, So if you
work, if you got offered a job, what hours are you gone from
your house? That that sounds that sounds like normal questions, but it's it
could be something weird. I mean, I don't know why. I mean,
I've heard of census questions that ask all kinds of weird stuff. Now,
just so you know, that is the That is the address of the
Census Bureau, the National Processing Center. Is it specifically twelve oh one East
tenth Street. No, that's not on here. What is there a street
on there? Or it's a post office? Sheets of paper or twelve oh
one East tenth Street. That's it? Yeah, yeah, the one in
me to log into their ware. I'm having enormous problems with their software.
And what is the u r L? What is the u r L they
want you to log into? Okay, respond dot census, dot gov,
slash ACS. I've seen this before. It's called the community survey and they
do it sometimes between the ten year census SATI. No I know. And
by the way, so if you would believe how many people believe it's a
scam and it's not. And I'm telling you that there's a penalty for not
responding. Did you know that? Oh? Yeah, they give you that
first. They threaten you before you've even taken the survey. They want to
know, do you know some of them ask some of them ask sexual preference
and sexual habits. Yeah, is it asking you? Taking that off?
But I think that was involved in the lawsuits that was coming out of Washington
or that general area. And you're selected. Here's what it says. You're
selected randomly. They will find you if you do not participate. There's a
number to call if you have any questions. What do you not want to
answer? Well, it's hard because we're in the middle of a move and
so lots of things are packed up, and so they want to know like
all kinds of things about like our utility bills, what were they the past
twelve months for your gas and electric and you know that sort of thing.
Sewer And then in some questions that were on their computer stuff, they combined
sewer and water and ours are not combined. They're separate, and so there's
like no way to answer that question, and so you do because they're threatened
and if you if you don't answer questions correctly, you're also threatened with lawsuits.
In trone, no no only if you intention No. No, only
if you intentionally mislead them. They said, okay, in other words,
you can give it your best estimate, oh, because it doesn't have anything
for approximately so the last you know over the past twelve months, well,
I just don't have all the last twelve months. By the way, these
are done yearly between the ten year census. They're done yearly at random addresses,
and they just try to keep statistics up to date. And what they
say again is you do estimates of answers. You don't have to do a
lot of research. But how do you know it's supposed to be do they
say the deadlines today to be postmarked or is someone picking it up? Yeah,
it's a no. You know, I would just do it online.
Do you know Here's what's really weird. Do you know there are more complaints
about the census than taxes and everything else in government. It's the number one
complaint. They can what I've experienced today, I can believe in what did
you experience? I try to use their software they're online because my response date
is today, and it was, well, it put my husband in there
four times, so and so to answer all these questions for him four times.
So you know, if you're getting income, you do that by four
and your husband's name is Mike, and so you put one fourth in for
each mic And there was no way I could take out the extra husbands.
So now I have four husbands. Oh no, some of the ones that
are causing me. The biggest trouble is they want to know like income for
the past twelve months, like in your interest, if you have a bank
account, or if you're in and tell me what you don't what you don't
want to answer that or what no I can answer it. I what I
was going to do is I was going to go to my taxes and pull
up turbo tax because I've got that on my computer, and then you know,
put in the amounts for interest or you know, social Security that sort
of thing. But it asks for the last twelve months, so you know,
I have it for the last calendar year. And so everything's packed up
in a box because we're moving, and you know, there shouldn't be a
research project. Or people have to go back and you know, pull all
their bank statements, all are utility bills for the last twelve months, just
to answer senses. This is absurd kind of is Yeah, I wouldn't mind
putting in, you know, things that I can pull off my taxes for
last year. But if I have to go back and you know, pull
all kinds of statements or call Excel or United Power, geez hey. You
know, here's the deal. If you you should put in as close as
close as possible to the accurate answer and not worry about researching. But you
shouldn't You shouldn't leave, you should not respond. If you don't respond,
Like I said, I've never heard of people like going to jail or anything,
but they do become a pinon in your ass, you know, I
know they talk. I know they talk about possible imprisonment and all that,
but that's only for Trump. No one else would get in trouble like that.
For that dims with one this many answer questions answered, especially on sexual
orientation. I know, hey, there was one year they were asking so
many weird questions. I think they were asking about if you gained your lost
weight? I mean, god, you wonder what the hell? Now?
There are some people who are convinced, you know, that this information is
going to be used against you somehow, you know, either with insurance companies
or with taxes. Especially, they really hate it because they think they're just
looking to raise my taxes. But believe it or not that census information cannot
be used by local assessors. But no one believes that. Everyone believes the
government. I mean everyone mistrusts the government, so they don't want to they
don't want to do it. So by the way I saw it, it's
pretty easy to sign on. It really does look pretty easy. Now,
Becky, what is your comment? Becky just called in? What is your
comment on this? So? I used to work as an enumerator for the
census, and we just did the census in twenty twenty yes, so there
is no reason why she would be getting a mailer from the census. Yes,
yes, there is every ten years. No, that's the extensive census
they do every single year. They do the community surveys and they randomly pick
communities. That's I already read about it here, so that the one you're
talking about is every day answering those kind of questions, but you actually work
for them. The one you're talking about, you're correct, they do every
ten years. That's the that's the actually you know, I knocked on the
doors and I met with people, and yet how many people lived in the
apartment or the house or whatever. But did you mind a lot of resist,
Becky? Did you find a lot of resistance? Not at all.
Really, everybody was very welcoming, everybody was willing to answer the questions and
just it was really a very nice experience. Wow. Yeah, And Becky's
right. The big survey is the one that happens every ten years. The
community surveys are done every year, but not all over the country. Every
year they pick the ten year census, as I said, this is everyone.
Then in between they pick random counties or random addresses and every year send
out those questionnaires to those random ones and then they combine the data. So
Kathy, like I said, you know, you got to do it now,
Becky said she wouldn't do it, but she worked for him. But
I'm telling you they have fine people in the past, and you don't want
to to get into that. And as far as online, go ahead.
They tell me in their letter that the survey is to help meet critical needs
in your area, like the sitting on where to build a new school of
health clinics and fire stations, and they do all kinds. I mean that
just seems so bogus. Well I know it does, but I don't know.
Look at they also say it's it's for everything. I mean, it's
that the census information, not the people, not your name and address,
but the information is shared by tons of people. All of these surveys you
see, and all of these everything is based on it. I mean,
this is the central data point in the United States. People don't do their
own surveys. So as I said, everything I'm seeing says mandatory, mandatory,
mandatory. Like it or not, it's mandatory. So you know,
you can decide for yourself. And as I said, I looked online and
I don't see any issue at all. It let me write up right online
and again I had to put in a number there or something, so I'm
not one of them, so I can't get in there. But it looks
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Hi, Tom Martino, you're a troubleshooter. So the community census, which
has done every year, is different than the ten years census. Mike's got
a comment on it. Go ahead, Mike, what's going on? Yeah,
yeah, I worked in the nineteen ninety census. It is a numerator
first, you know, he did the paper yeah, the paperwork shuffle.
And then when that ran out, I volunteered with other people and this other
guy to get the stubborn customers. And we right, right right, We
worked these slum hotels across this on Culfex, across the streets and said Sam,
as they tore them all down. But you know, I help one
guy falsify one because he just you know, he would he just went to
open the door and he just beat it. More answer. But when I
get those those lengthy ones. I just I falsify it. I just make
it up. You know, you know, if you make a good faith
if you make a good faith effort. And again, I don't know if
they take you to court to try to figure out if you lied or not.
Anyway, but a lot of people tell me they do that too.
They falsify or they not falsify, but they just write down random stuff that
might be close. Now, technically, if you know something to be not
true and you exaggerate one way or the other, supposedly that is a crime.
That's worse than not answering. But well, well the White House can
lie to us. No, not our white House. You know. It
is amazing though, when you bring that up seriously, Mike, if you
read the campaign emails from either side, honest to God, did you every
single time Biden gets on the air or makes a speech or does an email,
he outlines all of these major things he's done in three and a half
years. I mean, I swear to God, and he says every time
he's accomplished more than any president in history, or in thirty five or fifty
years or whatever. I don't know where I was, but anyway, thanks
Mike three h three seven on three Talks seven one three eight two five five.
No, I am so tired of when these presidents do this crap.
I mean all of them, you know, when you think about what they
say, and when he says he took the worst economy and turned it around,
Uh, the one he was handed it was after COVID. I mean,
that's kind of like a little disingenuous, don't you think, Chopper?
You got to follow up, Deputy Chopper, what's happening? Yes, Tom.
Last week at Kayla called on a car repair at Grand Valley Auto Repair,
a two thousand Suparu Legacy. She said, she said it was a
seventeen hundred dollars thing and she's having the same problems right, And she took
it to Subaru and they said it was one thing. And she took it
back to Grand Valley they said it was another thing. And I reached out
and I talked to her, and I said, why don't you just ask
Grand Valley one question? Why did they think their mechanic is better than the
authorized repair station at Subaru. Well, she called me back last night and
said they agreed to pay for it. My car's fixed and thank you.
Wow, Wow, geez, just from that, just from that question.
You know, it's amazing sometimes how a little empowerment to a consumer telling him
how to how to fight a battle can help, honest to gosh, Tom,
So let me ask you some chopper. Have you yes, sir?
Have you ever taken part in the census? Yes? And I was paying
a little bit of attention to what you were saying, and yes, they
do handle leaflets and stuff like that. Later, but did you But have
you ever answered the questions or do you resist? No? I'm just someone
to stop paranoid. I guess when you flew the black helicopter, you just
don't worry about things like that. I don't know, I kind of I
don't know, and I just don't get it. I don't get it get
shook up about that kind of stuff. And it is a little paranoia.
But man, it's amazing how many people are now texting me. They just
can't stand the senses and they're saying like, and I'm talking about from all
walks of life, they just don't trust it. Jennifer is another comment?
Go ahead, Jennifer, what do you have to say about it? Yeah?
Tom, Remember we should keep in mind that the purpose of the Census
Bureau is to enumerate the population. Yes, he knows this, and that's
it. They have no more authority than that. And that's why whenever I
get a census form or the community census, I just trash it. I
pay no attention. If they come to the door, I tell them how
many people are there, and that's it. And they go, well,
if you don't tell us, we can we can prosecute you. And I
tell them, bring it, bring it. You know what, hey,
you know you don't realize that in some cases it helps. Look what happened
to Colorado. We've got an extra seat in the House of Representatives because our
population went up. You personal problem to me, Well, what he's saying
is it can benefit us, is what he's saying. Also, if you
think about it, I mean it can, it really can. In fact,
that's the only way they know how to a lot representatives and things is
by population. I've had them send me the community form and I nailed it
back to them on their address in Evans on Evans and South Tender there and
in about a week they said it back to me set act. I trashed
it and they never bothered me again. I wonder if anyone listen to this.
They say here that there are people who have been fined five hundred dollars
for false answers and if they don't pay, they go to jail. Right,
false answers because they signed the form under penalty of perjuries, who volunteered
into it. It says here the sentencing some of them have gone to find
Listen to this for refusing to answer census There have been people who have been
fined as much as five thousand dollars, and it says prosecutions are handled by
the US Justice Department, and there have been a handful of prosecutions in history,
but none listen to this, none occurring since nineteen seventy, not one.
Because they can't do it. They can't legally do it. They are
not authorized under the Constitution to do it. It's an empty threat. Like
I say, if you sign your name, are the penalty of perjury,
then they got you. If you don't do anything, they have nothing.
Well, so far, the what you're saying rings true because they haven't actually
prosecuted since nineteen seventy and that even includes a guy that gave false answers.
But anyway. I imagine though, I imagine that if Trump did it wrong,
they would come after him. I'm just guessing. Three zho three seven
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five seventy two forty two. Hi Tom Archino, your troubleshooter three oh three
seven to one three talk seven one three eight two five five. Some actual
questions from the US Census, not necessarily in every one of them, but
in some of them. Were you sick enough today that you could not attend
to your ordinary duties? And if so, what was your sickness? Here's
another one. If you are a polygamist, are your wives related? How
about this one? Do you have a basement? All right? How about
this one? How many TVs do you own? Do you ever enter your
home through a front door or an actious me? Do you enter your home
through a front door? Or do you enter your home through someone else's living
quarters? Do you own a radio? Now? Okay? Are you in
a house, an apartment, or a mobile home? Do you own do
you have a mortgage? Do you own outright? What is your telephone number?
Well, that's not unusual. What about this sexual orientation? Yes?
Now, according to this they do not ask about sexual habits, just orientation
and how you identify as far as gender. Now it used to be just
male or female, but now they ask what were you assigned at birth?
What are you now? And some other questions. So the surveys change over
the years. They have different questions and different demographic issues they want to deal
with. They say it's for doling out support, government funding, for taxation,
for voting right, you know, representatives and all of that. So
it's probably and as I said, it's the number one reason people complain about
the government now that they complain a lot. Taxes is another one, all
kinds of things, but the census is universally the most complained about government thing
there is. Now, by the way, let me give this dinger for
that previous thing we had with Shopper who gave that woman advice on having paid
for and it worked. And Brian, you want to give a shout out?
Go ahead, Brian, what's going on with you? Brian? Hi?
Tom Heyns want to let you know I used the troubleshooter, Liz,
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Thank you, man, I really, no, seriously, thank you for
telling us. That'ssreferralius dot com. Of course he's talking about and we really,
we really do stand behind the people. We love them, and uh
we monitor them and it's really good. All right. Now let's go back
to some questions I have by text. Let me just continue this. I
got to refresh it and hold on. Don't forget FDR use the Census to
identify Japanese Americans and inn intern them. That's something. Now I have questions
if surveys are mandated. Let's see, no one has been fined since nineteen
seven. That's right, I brought that out. No one's been fined since
the seventies, since nineteen seventy three. With people's distrust and hatred of the
federal government, they probably will never find them again. And then it says
here, if a census or jury duty notice isn't sent via certified mail,
how does the government know you received it? Oh, that's a good question,
John. Do you know how jurys are? Jury notices are sent down.
They're sent out regular mail, aren't they They are? They are,
Yeah, and they rely upon people to actually obey them, you know,
call in, do their thing, do their civic duty. But I have
been told by people that it's not since certified. They throw it right in
the trash and never give it another moment's thought, which is sad but truth.
Hey, John, is it true that once you mail something first classes
insidered as being delivered? Well, there is a legal concept that you know,
a three day rule that for time computation. But no, a first
class mail, I don't think gives you a certification or presumption of delivery.
All right, we have more coming up. I'm troubleshooter Tom Martino three h
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one seventy one hundred. Hi Tom Martino, your troubleshooter three O three seven
to one three talk seven one three eight two five five So uh man.
People don't like the Census, I'll tell you that. By the way,
if you had to pick from the census the best, they have all kinds
of information. What's the best house for the excuse me? The best state?
Not the best, but the one with the most and the friendliest attitude
and the most per capita tiny houses? What state? If you had to
guess one, John, what would you say? Texas? Let's see,
Texas is number nine, not bad, not bad. One is Vermont.
Huh yeah, you know for tiny houses. Number two is Kentucky, and
then Arkansas, and then Maine, Minnesota, Montana, Alabama, Georgia,
Texas, Colorado Where are we. Colorado is number wow, where the hell
number thirty five in the top fifty, probably though, because we're buying a
ton of those things for homeless people. Tiny houses, by the way,
are not all cheap, by the way, they're not. They're starting to
make some more luxurious ones for seniors that have money that want to retire,
some of them going to Texas and getting their tiny house. Although Texas,
where does Texas rank here? Number nine? Okay, that's what you say,
number nine. But there's a few manufacturers down there. I think that
was why I was led to believe. And these are not mobile homes.
You understand that they're tiny homes and they're there now. Some of them are
pre fab obviously, but they're not mobile homes. They literally get put on
a slab or a foundation and they're they might be built off site. And
some of them are quite cute, you know. But when you think about
it, they say this might be the trend for a lot of young people
today, tiny houses. I don't know if I like that or not.
What do you think? Okay? I was just looking at something else and
happen to notice this trend. And right now the number one searched thing is
Jennifer Aniston. Apparently she had a lot to say about jd Vance. Why
the hell anybody cares? I don't know. The next one was this Washington
d C. Attack on this woman. God was how ruthless This single mom
was attacked by a group of teenagers in Washington, d C. I don't
know if you've heard about it, but that was search number two after Jennifer
Aniston, and she says the teens literally were giddy, they were enjoying it
so much, just beating the hell out of her. I mean, sometimes
it's hard to believe that this is going on park Fire's next Jasper Fire.
A lot of people are doing that. Yesterday, of course, it was
the speech that Biden gave from the White House, and then it was net
and Yahoo and all of that you would expect. However, Harris doesn't appear
in the top twenty five searches. What is that tell you? Since you
in that crazy have you have you seen all the crazy stuff that's that's out
there about Biden's speech? I mean there are people that are dissecting that thing
like crazy. I mean, yeah, zoomed in on his Dodger to say
that the watch had the wrong time and all this weird crazy stuff. It's
just I don't know how people have that much time on their hands, you
know. Anyway, I don't know either, And I do think he's kind
of being picked on now, I mean he really is. I mean,
you know, but but the guy won't lay off. I mean, I
swear to God. Every single speech he makes he warns us about dictators and
kings and our democracy. You know, people sometimes when they get old,
they just have a little talk track in their mind and and they just say
the same stuff over. Those are the talking points they got, you know.
We I mean, apparently America is going away if Democrats don't win.
But anyway, I just thought i'd let you know that. But it's gonna
go and we're gonna have a dictator, so I think that. Wow.
Anyway, I'm Tom Martino. Welcome to the show. I want you to
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