Speaker 1: Yeah, ripped up news didn't need advice.
Speaker 2: So you don't have.
Speaker 1: Come running.
Speaker 3: Just as fast as we can.
Speaker 1: Shooter's gonna help come.
Speaker 4: Man Dix is the Troubleshooter Show. Now, Tom Martino.
Speaker 5: Shallow, Tom Martino here, Welcome to the show. Three oh
Speaker 5: three seven won three talk seven one three eight two
Speaker 5: five five.
Speaker 6: Mark is at the mother Ship.
Speaker 5: I am in Studio Martino Casa, and uh, it's been a.
Speaker 6: Interesting two weeks.
Speaker 5: I'm not gonna be labor you with all the details,
Speaker 5: but I had major surgery two weeks ago to the day,
Speaker 5: so that was Monday, two weeks ago, and it was
Speaker 5: called the whipple. And what they do is they remove
Speaker 5: The goal is to remove cancer from the pancreas. Successful
Speaker 5: whipples are plentiful, but survival is not because most of
Speaker 5: the time, unfortunately, the tumors are spread. This cancer spreads,
Speaker 5: and I was one of the fortunate. I'm told it's
Speaker 5: a three percent. What I had was a diagnosis that
Speaker 5: happens three percent of the time. And I feel for you, guys,
Speaker 5: if someone in your family or friends circle got a
Speaker 5: diagnosis for pancratic cancer, and I feel for you because
Speaker 5: very very rare to get what's called if it can
Speaker 5: be called a good diagnosis, right, So that's it. I
Speaker 5: just wanted to say, I'm going to come in. I'm
Speaker 5: going to ease in. And Mark's been doing a great job.
Speaker 5: I appreciate it. We've been in touch. Let me just
Speaker 5: transition to a better shot.
Speaker 7: Here.
Speaker 6: I'll do the side by side.
Speaker 2: Here.
Speaker 6: We are so welcome people, and let's call.
Speaker 5: Let's go to the phones and solve problems, to answer
Speaker 5: question take complaints. Mark any particular problems, questions or complaints
Speaker 5: stick out in you in your mind. Oh, we had
Speaker 5: a very interesting one Friday with a company called Shamrock.
Speaker 5: In fact, a guy emailed me during the weekend. He
Speaker 5: was pretty perturbed at Dimitri and myself. He didn't think
Speaker 5: we gave him a I don't know, maybe he wants
Speaker 5: to say a fair time. But we tried to reach
Speaker 5: out to the guy.
Speaker 8: He didn't want to come on air, he didn't want
Speaker 8: to share that much information.
Speaker 6: But here's what happened.
Speaker 8: Apparently, according to the caller, at least they sold him
Speaker 8: this building.
Speaker 6: He thought it was going to be all metal.
Speaker 8: In fact, he even Tom had a witness call up
Speaker 8: that was apparently there at the same time as this
Speaker 8: guy was the caller Robert with the salesman, and apparently
Speaker 8: Robert showed him the existing car port and it had
Speaker 8: wood beams that were riding, and he said, i'd don't
Speaker 8: want wood. I want to make sure it's all metal.
Speaker 8: But the contract that he signed in the fifteen thousand
Speaker 8: dollars down does not specify any material. It doesn't even
Speaker 8: specify hey or cement or wood or steal. When he
Speaker 8: finally got the building plans, the building plans showed the wood,
Speaker 8: so he called up and said, hey, I want it
Speaker 8: all steal. I told your sales guy that. And by
Speaker 8: the way, I don't think that sales guy is with
Speaker 8: the company anymore. And they said, well, that would be
Speaker 8: twenty thousand more. He goes, well, I don't want to
Speaker 8: spend that much, so please just refund the fifteen thousand.
Speaker 8: They made an offer of somewhere around seven or eight
Speaker 8: thousand to return. But then the guy basically came on
Speaker 8: glued in emails saying how unfair we were talking about him,
Speaker 8: and I tried to explain to him, you know what,
Speaker 8: I can have an opinion, Tom can have an opinion.
Speaker 8: Dmitri can have an opinion. We tried to reach out
Speaker 8: for him, but I feel two different ways on it. One,
Speaker 8: the guy did sign a contract, but how in big
Speaker 8: you is it when you sign a contract for a
Speaker 8: building and it doesn't even state what it's made out of.
Speaker 6: What is your thoughts on? Yeah?
Speaker 5: But if you okay, we have a number of issues.
Speaker 5: First of all, on the surface, the company did nothing wrong.
Speaker 5: They have a contract, they signed it, they're ready to deliver.
Speaker 5: He doesn't want to go through with it because he
Speaker 5: says it's not what he wanted. This is where every problem,
Speaker 5: This is where every problem takes a leap from logic,
Speaker 5: and that is this I call it. I made it clear.
Speaker 5: We hear people say, well, when I bought this car,
Speaker 5: I made it clear that I was going to use
Speaker 5: it every day for commuting, or I made it clear
Speaker 5: that it had to fit a wheelchair, or I made
Speaker 5: it clear that.
Speaker 6: It has to get good gas milage.
Speaker 5: And then when it comes to this thing, I made
Speaker 5: it clear I wanted no wood. And they make it
Speaker 5: clear everywhere except in the contract. Here's the problem. Most
Speaker 5: of the time, and I mean most of the time,
Speaker 5: when you have a contract, the contract rules, the promise
Speaker 5: is made outside the contract fall into a couple categories.
Speaker 5: One would be fraud in the inducement. That means that
Speaker 5: they purposely committed fraud to get you to sign it,
Speaker 5: and by doing that they misled you. And if you
Speaker 5: can prove it, you could have a case. But I
Speaker 5: don't think this rises to a level of fraud. I
Speaker 5: don't think any of us think that.
Speaker 9: Yeah.
Speaker 6: And the other one would be just a plain mistake.
Speaker 8: Well, first about the ambiguity here, though, you sign a
Speaker 8: contract for I don't know, a carport.
Speaker 6: Let's just take it.
Speaker 8: And apparently the salesperson told you it was going to
Speaker 8: be all metal, and the contract you actually sign apparently
Speaker 8: doesn't have any materials listed whatsoever.
Speaker 5: Right, But that's not ambiguous. That's not ambiguous here. Ambiguous
Speaker 5: would be ambiguous means you make it hard to understand,
Speaker 5: or it's hidden in there. See it never addressed the materials,
Speaker 5: so it's not ambiguous. In fact, the contract is u clear.
Speaker 5: You're buying a building, we're supplying the building. Here's the price.
Speaker 5: Ambiguous would be if it said on all steel sheeted building,
Speaker 5: and and and and outline things and purposely wrote around
Speaker 5: or tried to trick them into not asking about the beams.
Speaker 5: It becomes ambiguous, meaning that a common person reading that
Speaker 5: contract would not have a clear understanding that it's what
Speaker 5: it is. This is very clear, it's just that it
Speaker 5: doesn't include what he claims. He made it clear, he
Speaker 5: made it clear he wanted all metal and and all
Speaker 5: they have to say is they built well it. You know,
Speaker 5: technically it has to be up to the community standards,
Speaker 5: you know, building department standards, and that's all they have
Speaker 5: to do. Okay, it's both companies. It's both parties problem
Speaker 5: that it's not spelled out, because you're right, Mark, they
Speaker 5: could build it out of Tubai fource and say here's
Speaker 5: your building. But the fact that it doesn't specify the
Speaker 5: details is not all on the company.
Speaker 8: Yeah, that guy.
Speaker 5: Could have looked at the contract and said, wait a minute,
Speaker 5: what about my windows or what about my this?
Speaker 6: Or what about that? The other thing?
Speaker 8: He could have looked at his shock. He could have
Speaker 8: looked at SHAMROCK's website and I even went into the
Speaker 8: way back machine to make sure they hadn't changed it recently.
Speaker 8: But it pretty much is very clear on their front
Speaker 8: page they build cleary buildings that are wood based or
Speaker 8: not wood based.
Speaker 6: But wood poles.
Speaker 5: No, the big the big beams and poles are wood,
Speaker 5: and then the rest of the building is steel, and personally,
Speaker 5: that's all you need for a residence. I mean, I
Speaker 5: don't know why he thinks that once again.
Speaker 8: Once again though according to him, the reason he wanted
Speaker 8: all steel and showed the guy, or apparently showed the
Speaker 8: guy is because the wood rotted out on his existing
Speaker 8: garage and that's why he needed at a new one.
Speaker 6: And wood is not going to rot out on a
Speaker 6: Cleary building.
Speaker 5: These are pressure treated timbers and they are absolutely almost indestructible.
Speaker 5: And you know, wood is much cheaper, less expensive, just
Speaker 5: as strong when done properly. I love wood structures within,
Speaker 5: But you know, I think sometimes people get steel because
Speaker 5: they think they need it, and sometimes they don't need it.
Speaker 5: I mean, that building, if he gets that building as
Speaker 5: specified for the price specified.
Speaker 6: It'll give him dozens and probably outlive him.
Speaker 5: And there would be you know, so if he ever
Speaker 5: did get rot it would be in another century.
Speaker 6: I mean, they're.
Speaker 5: Truly state of the art pressure treated timbers, and Cleary
Speaker 5: uses them. I think Morton uses them, and a bunch
Speaker 5: of others they did they do the frame in the
Speaker 5: wood and then they do the sheathing and the roof
Speaker 5: with that. And when I had mine done, I had
Speaker 5: the sheathing done inside and out, so it was really
Speaker 5: a beautiful wall. It's a beautiful building. Now, as far
Speaker 5: as as far as specifications, I want to know, Dmitri
Speaker 5: and Doc, if you guys were I want to know
Speaker 5: the truth. If you were presented a contract like that,
Speaker 5: try to really reach into, like you not knowing what
Speaker 5: happened here, would you notice that the materials were not specified?
Speaker 5: Would you notice that if it just says eighty by
Speaker 5: eighty building or whatever he's getting. And Mark, what does
Speaker 5: it say about the building? I mean you had you
Speaker 5: read that contract several times. What does it actually say?
Speaker 5: What does it say?
Speaker 6: Dmitrie? Honestly, Tom, I did not read it.
Speaker 9: Yeah.
Speaker 10: I did get a copy of the contract, Tom, and
Speaker 10: I'm going to open it up right now and take
Speaker 10: a look at it.
Speaker 9: I can tell you right off the back.
Speaker 8: I'd like to know.
Speaker 5: I'd like to know everyone's opinion on whether this guy
Speaker 5: was was mislet or not. It doesn't sound it's like
Speaker 5: he was the problem is, we're missing the salesman in
Speaker 5: all of this.
Speaker 6: So I don't even know if he was misled by
Speaker 6: the salesman.
Speaker 8: And even if he was misled by the salesman, that
Speaker 8: doesn't necessarily mean that the company knew the salesman was
Speaker 8: doing that.
Speaker 6: I'm all right, said I didn't know.
Speaker 11: When it comes to real estate, it's only what's written,
Speaker 11: not what's verbalized.
Speaker 6: This is in building.
Speaker 5: Well yeah, this I think this would be outside of
Speaker 5: real estate. What Doc is alluding to is yest law
Speaker 5: says nothing verbal can be enforced. Now, John, real quick here,
Speaker 5: let's get started on your problem.
Speaker 6: We'll come back to you.
Speaker 5: You have a ninety am I reading this correctly, a
Speaker 5: nineteen ninety three.
Speaker 6: Cadillac El Dorado. Oh lord is it John?
Speaker 9: John?
Speaker 6: Is he there? What there?
Speaker 9: You go?
Speaker 6: What's going on?
Speaker 9: Man?
Speaker 5: Talk to me about talk to me about your car.
Speaker 9: Man.
Speaker 6: Okay, we're having a problem. Let's try him. Yeah, we'll try.
Speaker 5: To connect with him after the break. If he wakes up.
Speaker 5: I'm Tom Martine. More coming up. Don't forget this.
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Speaker 5: zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter
Speaker 5: three O three seven one three talk seven one three
Speaker 5: eight two five five. So I have up for those
Speaker 5: streaming a diagram of before and after surgery of what
Speaker 5: what they do during this procedure.
Speaker 6: Listen.
Speaker 5: I don't want to make light of it. There are
Speaker 5: people every day being diagnosed with cancer. What amazes me
Speaker 5: more than anything in the world, is how people dedicate
Speaker 5: themselves to that part of medicine you would think would
Speaker 5: be depressing and just oncology they call it. And there
Speaker 5: are so many dedicated people and they say they they
Speaker 5: don't get discouraged. I mean they they just love fighting,
Speaker 5: and uh, that's why they do it. And I want
Speaker 5: to thank everyone at UC health. So I'm not, as
Speaker 5: I said, I don't want to belabor it, but if
Speaker 5: you ever had any questions, I'd be happy to answer them.
Speaker 5: A lot of people want to know why and what happened,
Speaker 5: and all it was is just a diagnosis. I mean,
Speaker 5: I was starting to turn yellow and my bio duct
Speaker 5: was being blocked and they told me, right then and there,
Speaker 5: you have a mass on your pancreas. It's a tumor,
Speaker 5: most likely pancreatic cancer. And they even went so far
Speaker 5: as to say, you know, you might want I mean,
Speaker 5: I don't know why they did so prematurely, but they did.
Speaker 6: It wasn't U see health.
Speaker 5: It was another er that said you might want to
Speaker 5: call your family and make arrangements.
Speaker 6: And I was thinking, holy crap, this was so serious
Speaker 6: and it was.
Speaker 5: But I luckily doc will tell you how rare this is.
Speaker 5: But the cancer was isolated, it was encapsulated in blood vessels.
Speaker 5: It did not spread anywhere nowhere, zero spread. So it
Speaker 5: was totally operable. And after five sessions of chemo it
Speaker 5: even shrunk more. And then they removed it and did
Speaker 5: what was called the Whipple procedure, which basically just takes
Speaker 5: out a big section of your gut, so so they
Speaker 5: get it all and then they test as they go
Speaker 5: and declared me cancer free. And we've been living this
Speaker 5: since privately, the US, the staff, and the Troubleshooter family,
Speaker 5: like since New Years.
Speaker 6: So I'm back now.
Speaker 5: I'm going to take havingn abbreviated schedule for a little
Speaker 5: while because I'm told i'm supposed to. I am healing rapidly,
Speaker 5: and I thank my family history for that. I just
Speaker 5: wanted to get that out of the way. If you
Speaker 5: have any questions, I'd be happy to answer them too.
Speaker 5: If and here's another thing, if you have people going
Speaker 5: through cancer, or if you're going through cancer, you can
Speaker 5: write to us help at troubleshooter dot com.
Speaker 6: That's the email, and I will answer each and every
Speaker 6: one of you.
Speaker 5: I promise you you can also leave a text at
Speaker 5: my number seven four seven nine eighty.
Speaker 6: That is a Google number that goes right to my
Speaker 6: my cell phone.
Speaker 5: I will get your text if you have any questions
Speaker 5: or you know.
Speaker 6: I'm not saying it.
Speaker 5: I'm like this experienced veteran, but I went through a
Speaker 5: lot and can help you out if you're just facing
Speaker 5: a dire diagnosis. Anyway, let's talk to well did he
Speaker 5: go away? The other guy? The other guy went away?
Speaker 5: So let's talk to John. Oh no, John, twenty fourteen
Speaker 5: Dodge Ram talk.
Speaker 12: To us, John, Yes, I bought a forty fourteen Dodge
Speaker 12: Ram used last year from Brighton Ford, Okay, and I
Speaker 12: bought it for it it was twenty thousand dollars.
Speaker 13: I put it down on it, I bought it. I
Speaker 13: financed the rest of it. But I bought a warranty
Speaker 13: package with it.
Speaker 6: Now, what kind of warranty package?
Speaker 13: A full A nine five full bumper bumper three years
Speaker 13: unlimited marriage. Oh wow, three year warranty bumper to bumper
Speaker 13: unlimited marriage.
Speaker 14: Wow?
Speaker 6: Okay? How much was it?
Speaker 5: So?
Speaker 2: It was? Uh?
Speaker 15: And they added like one hundred and fifty one hundred
Speaker 15: and forty dollars to.
Speaker 13: My to my payment of my truck. Wow, they had
Speaker 13: one month so for five.
Speaker 5: Okay, well, if it listen, if it truly is a
Speaker 5: three year unlimited mileage, that is amazing, my friend, amazing.
Speaker 13: That's say that.
Speaker 15: Says it right on the contract.
Speaker 6: Okay, Hey, what's the name?
Speaker 9: What happened?
Speaker 6: You can look it up?
Speaker 8: What is it called line five?
Speaker 6: It's it's called line five.
Speaker 15: Yeah, it's it's that's that's what that's the name of it.
Speaker 6: That's the thing I found it.
Speaker 5: Going on with the story, yeah, keep going with your story, sir.
Speaker 13: So the very first year I paid the truck off,
Speaker 13: I went to the bank and I said how much
Speaker 13: to pay it off? And they said they gave me.
Speaker 13: They gave me a number, and I paid the truck off.
Speaker 13: But the warranty company is still charged me one hundred
Speaker 13: and forty bucks a month for the warranty for the
Speaker 13: next four years.
Speaker 6: But no, let me ask you a question here. I'm confused.
Speaker 5: If you bought the warranty, the warranty had a price
Speaker 5: on it. So when your payments equal the price, then
Speaker 5: you don't pay anymore.
Speaker 6: Right? In other words, was knocked off?
Speaker 16: Did you see.
Speaker 13: It was thirty It came out to be thirty thousand
Speaker 13: dollars for the loan, for the warranty, for the truck,
Speaker 13: for everything.
Speaker 5: But how much was how I just want to concentrate
Speaker 5: on this. How much was the warranty?
Speaker 15: The warranty was one hundred and forty bucks a month.
Speaker 5: No, that's not what it is. The warranty. The warranty
Speaker 5: has a lump sum amount. What was the price of
Speaker 5: the warranty.
Speaker 13: Tight thousand, six thousand? I think it does, say I'm
Speaker 13: some six thousand.
Speaker 5: Okay, so did you pay six thousand back?
Speaker 7: No?
Speaker 15: No, they get charged me on the warranty.
Speaker 13: I paid the truck off, but the warranty still still
Speaker 13: bills me one hundred and forty bucks a month.
Speaker 5: Time. I can offer an insight, and they should until
Speaker 5: you pay the six thousand dollars they should pay.
Speaker 8: I mean, you should be charged. What do we still
Speaker 8: have the warrant as long?
Speaker 13: I don't mind, And that's fine.
Speaker 15: That's why I didn't.
Speaker 13: That's fine. But the truck broke and I take it
Speaker 13: in and get fixed, and they said the warranty won't
Speaker 13: cover it.
Speaker 6: Tell me why the warranty won't cover it?
Speaker 13: Because I bought the truck with one hundred and forty
Speaker 13: seven thousand miles on it. The warranty's saying that at
Speaker 13: one hundred and twelve thousand miles the truck was throwing
Speaker 13: a code, a transmission code, and that was but it
Speaker 13: was it was erased.
Speaker 8: So how do they know that?
Speaker 5: So they say that this truck has a has a
Speaker 5: weird history, and so they're not going to cover it.
Speaker 6: Is that what they're saying?
Speaker 2: Pretty much?
Speaker 6: What does the dealer say about that?
Speaker 13: So I went back to the dealer and I said, hey,
Speaker 13: you sold me a truck that has an erased code.
Speaker 15: On it the warrant you won't cover it.
Speaker 13: They said, well, that's a warranty problem.
Speaker 8: It is.
Speaker 13: The dealer says, it's a warranty problem.
Speaker 6: I mean it is.
Speaker 5: It is a warranty problem, first and foremost. When you
Speaker 5: bought it, it was after that code had been cleared.
Speaker 8: Is that correct?
Speaker 13: Yes?
Speaker 5: How is this dealer supposed how is this dealer supposed
Speaker 5: to know?
Speaker 8: And you bought it as it is? Well, how did
Speaker 8: these people? How does the warranty company know there was
Speaker 8: a code of.
Speaker 6: Racist And that's what I want to know.
Speaker 13: Whatever the warranty company checked to make sure it was kosher.
Speaker 13: The dealership shows checked before that.
Speaker 6: That's logical, that's logical.
Speaker 13: You're saying they should have warranty that it's not gonna
Speaker 13: I mean, well, show me a no, no, you got you
Speaker 13: got a point there.
Speaker 5: You got to point there, John, you should not have
Speaker 5: been charged. How much did you pay? In completely right now?
Speaker 5: Because you should get a refund.
Speaker 13: So I paid the truck off and it was only
Speaker 13: twenty two thousand, after it was thirty thousand. I paid
Speaker 13: the truck off with him a year, and but the warranty.
Speaker 15: Company still charges Mehunt.
Speaker 13: So I paid into it. I paid into it for
Speaker 13: a year, but they still I still want They still.
Speaker 15: Want four more years worth one hundred.
Speaker 13: And forty bucks a month.
Speaker 2: Listen, John, they won't cover it, I mean, John, Yes.
Speaker 5: John, okay, just listen. They want you to pay because
Speaker 5: you have a warranty. You're saying, why should I pay
Speaker 5: because the warranty is invalid? Will these people fix the
Speaker 5: problem if you continue paying for the warranty?
Speaker 9: Yes?
Speaker 6: Or no?
Speaker 2: No?
Speaker 6: Okay?
Speaker 5: They say, no matter what, you're not going to fix
Speaker 5: your truck, right, They're not going to fix anything. So
Speaker 5: you bought a useless warranty. So what I'm asking you is,
Speaker 5: did you ask the dealer for a refund since they
Speaker 5: sold you a warranty.
Speaker 6: You can't use.
Speaker 15: Because the dealer said he's.
Speaker 13: Getting to do it.
Speaker 6: Then, well, of course they do.
Speaker 5: The dealer sold you a warranty that is not valid.
Speaker 5: I don't understand why a warranty company, though, would not
Speaker 5: warranty something.
Speaker 8: Because the code was erased. I've just never heard that before.
Speaker 8: It's okay, let's let's analyze that. Let's analyze this, John,
Speaker 8: what is the problem? They won't cover.
Speaker 15: The transmission won't go into gear?
Speaker 13: Okay, automatic transmission, got it?
Speaker 6: Got it now?
Speaker 5: So you're they won't cover a transmission problem because they
Speaker 5: said they had a previous issue and they erased it.
Speaker 6: Right, that's it in a nutshell.
Speaker 14: Yes, so yes.
Speaker 5: The question is, I don't know if it's incumbent upon
Speaker 5: a dealer to do a search of the codes and
Speaker 5: the computers when they get a car in.
Speaker 6: I don't know. I would think it would be routine.
Speaker 5: So the question is who's the fault here, the dealer
Speaker 5: or the warranty company. I say the warranty company has
Speaker 5: a good leg to stand on if in fact, there
Speaker 5: was an erased code. What does the dealer say about
Speaker 5: the code that was erased?
Speaker 6: Do they acknowledge it?
Speaker 9: No?
Speaker 15: Not at all, not at all.
Speaker 5: How much will this transmission fix cost you?
Speaker 6: Eleven?
Speaker 5: Let's let's get hold Okay, let's do that first. Then
Speaker 5: we need to find out. We need to talk to
Speaker 5: somebody at Brighton Ford is the warranty company? What does
Speaker 5: the warranty company say about this code? How did they
Speaker 5: find it?
Speaker 13: I think it's a mechanic a Dodge dealership not not
Speaker 13: worry about the truck. I took it to a Dodge leadership,
Speaker 13: to a Dodge truck. I took it and.
Speaker 15: They they I said, open up the claim you know
Speaker 15: six a chance?
Speaker 6: Okay, yeah, we don't.
Speaker 5: We don't have to go through We don't have to
Speaker 5: go through all this. Once they found out a code
Speaker 5: had been erased, how do they link that? As Mark
Speaker 5: said before, why is an erased automatically avoid that? Why
Speaker 5: does it automatically avoid? Because what was this a RaSE code?
Speaker 5: Existing condition?
Speaker 6: Yeah, but let's we know that.
Speaker 8: But what fourteen Dodge? I mean, let's say someone else
Speaker 8: had that code come up, they put in a new
Speaker 8: transmission and erase the code.
Speaker 6: I mean, why wouldn't they cover a new issue? Now?
Speaker 6: It seems crazy not to cover something. How old is
Speaker 6: the code?
Speaker 9: John?
Speaker 8: How long ago? How many miles have you driven it?
Speaker 13: The code is fifty thousand miles old. See that's in.
Speaker 8: A waste to code fifty thousand miles ago. Then the
Speaker 8: transmission breaks and that's their out. I think that's crazy.
Speaker 13: Fifty I've only owned it for twenty thousand miles.
Speaker 5: I think someone needs to call the dealer. This dealer
Speaker 5: can't just walk away from this. They made a lot
Speaker 5: of money on that or were you futting refat warranty?
Speaker 5: That warranty was six thousand dollars? Are you kidding me?
Speaker 6: And he he?
Speaker 5: Now you didn't pay the full six yet? Be you
Speaker 5: still have money due? Right?
Speaker 13: Oh?
Speaker 5: Yes, okay, that's what I thought. How much of the
Speaker 5: six thousand do you still owe?
Speaker 13: Uh?
Speaker 9: Uh?
Speaker 15: Probably five thousand?
Speaker 5: We got a break, bro, you only pay Okay, we
Speaker 5: got to hit you only paid one thousand dollars so
Speaker 5: far into that warranty.
Speaker 15: I'll go I'll be more probably fifteen, I'll be fifteen
Speaker 15: hundred for a.
Speaker 14: Year and a half.
Speaker 5: We're going to get a hold of the dealer for sure.
Speaker 5: We need to have somebody in there. Call the dealer
Speaker 5: and say, what's up with this? I'm Tom Martine. We
Speaker 5: have more coming up. Go with a sure thing Denver's
Speaker 5: Best roofer Excel Roofing dot com. You don't pay a
Speaker 5: cent until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three all three seven to seven to one.
Speaker 14: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. Hey Tom Martino here, welcome to the show. Yeah,
Speaker 5: I'm back limited duty for a little while, but I'm
Speaker 5: gonna go to phones here. Listen, Hey, webfit KIMMERA transmission
Speaker 5: real go ahead. When can you get back to let's
Speaker 5: say your exercise regiment you used to work out three
Speaker 5: times a week.
Speaker 6: I don't know.
Speaker 5: I think what they said was for me to be
Speaker 5: fully recovered from absolutely positively everything.
Speaker 8: Yeah, would probably.
Speaker 6: Be eight months.
Speaker 5: Wow, Okay, now you know, thanks for the hospital noises.
Speaker 5: So I beat the odds, thank god, with the diagnosis
Speaker 5: and with the surgery, with the chemo, I am officially
Speaker 5: cancer free. I have to be screened just to be wise,
Speaker 5: but they said I may not do anything physical for
Speaker 5: the next six weeks.
Speaker 6: So it's been.
Speaker 5: Two weeks, So the next four weeks I can't do anything.
Speaker 5: Then I can do certain light stuff. And it's really weird,
Speaker 5: but anyway, well that's gonna have to do with drugs
Speaker 5: in the medical condition. It doesn't take a lot of
Speaker 5: there's no real strain in flying. The controls are very
Speaker 5: easy in light and so there's nothing there that's taxing
Speaker 5: to my system.
Speaker 6: But the thing is, I can't be on pain pills.
Speaker 5: I can't be on anything that would affect my judgment,
Speaker 5: and so that would suspend my license medically, not necessarily
Speaker 5: that I can't do it, but medically so I.
Speaker 6: Can get back to flying. I'm predicting.
Speaker 5: In a month or less because I'm weaning off of
Speaker 5: these drugs quite quickly, and I'm just basically making a
Speaker 5: miraculo Look it, it's a miraculous recovery. And you know
Speaker 5: what all I can say is I'll take it. And
Speaker 5: I'm humbled by it. I just feel so terrible for
Speaker 5: people that are going through this, and some of which
Speaker 5: do not have the same diagnosis. Pancreatic cancer they say
Speaker 5: is rare, but my god, I have heard of so
Speaker 5: so many.
Speaker 6: People that know people anyway.
Speaker 5: So on this transmission problem, John, was the problem diagnosed
Speaker 5: on your twenty fourteen Dodge Ram?
Speaker 6: Was it actually diagnosed yet?
Speaker 14: Yes?
Speaker 6: What was the diagnosis?
Speaker 13: The whole training would have to be removed and replaced.
Speaker 5: They didn't say what went bad, They just said the
Speaker 5: whole transmission is shot.
Speaker 9: Right?
Speaker 2: Yes?
Speaker 6: How many miles on your truck?
Speaker 15: One hundred and sixty seven?
Speaker 5: And they and you said you put twenty on it?
Speaker 5: So you bought it with one hundred and forty on it?
Speaker 13: Yes?
Speaker 6: Okay, so Jeff vic he has a warranty.
Speaker 13: They're telling me the code came on one hundred and
Speaker 13: twelve thousand miles.
Speaker 5: Okay, So Jeff, before he owned it, there was a
Speaker 5: code and it was erased whatever that means. And now
Speaker 5: the warranty company is saying, even though you didn't own it,
Speaker 5: then the fact that there's an erased code voids the warranty.
Speaker 6: Now have you ever run across anything like that? Jeff.
Speaker 7: Well, first, welcome back, Tom. I'm glad to hear you're
Speaker 7: doing well.
Speaker 6: So thank you, Jeff.
Speaker 7: From one hundred and twelve to one hundred and eighty seven,
Speaker 7: whoever's handling this ticket should be going to bat for
Speaker 7: him here. It was the code that was one hundred
Speaker 7: and twelve thousand miles, you know, so we're talking, you know,
Speaker 7: almost seventy thousand miles since that code was there, you know,
Speaker 7: you could do a repair and erase the code and
Speaker 7: maybe not erase the permanent codes, but it would have
Speaker 7: manifested itself once again long before the one hundred maybe
Speaker 7: seven thousand mile mark, if somebody hadn't already performed a
Speaker 7: repair on that.
Speaker 5: Okay, So okay, that's a good point. So next question,
Speaker 5: what does it mean that the code was erased?
Speaker 6: Jeff?
Speaker 5: Can you guys go in and just erase codes if
Speaker 5: you don't want to do the repair, or does it
Speaker 5: mean the repair was done?
Speaker 7: Well, if the problem could continue to exist, even if
Speaker 7: you did erase the codes, it would have popped back
Speaker 7: up as soon as the computer recognized it again.
Speaker 5: So it's more is it likely when if it had
Speaker 5: a problem and they fixed the problem, is that also
Speaker 5: considered erasing it well, quickly.
Speaker 7: With a scanning tool and erase those codes out out
Speaker 7: of the computer. They won't just go away.
Speaker 5: On them, but they will pop up if you just
Speaker 5: erase it and the problem still exists.
Speaker 7: Yeah, yeah, once the computer recognizes that problem again. So
Speaker 7: you know, say it was a gear racial error, you
Speaker 7: know where third gear was slipping. Yeah, you're going to
Speaker 7: manifest that sure. So even if you erase it, and
Speaker 7: if you haven't performed whatever repairs are necessary in order
Speaker 7: to affect that the slipping in third, as soon as
Speaker 7: it slipps and third again, it's going.
Speaker 14: To come back then.
Speaker 9: Okay.
Speaker 6: Now here's what I think.
Speaker 5: I think the warranty company is just trying to get
Speaker 5: out of it, and in that regard I agree.
Speaker 6: I agree with the dealer.
Speaker 5: But the dealer also has to step up and fight
Speaker 5: for this guy or give him a refund.
Speaker 6: Yeah, John, what's the name.
Speaker 8: Of the Wasn't he paying directly to the warranty company,
Speaker 8: not through the dealer?
Speaker 6: I didn't get that part. Okay, it was one hundred
Speaker 6: and forty dollars added to go ahead.
Speaker 13: When I got the loan, I got the war ge
Speaker 13: right there at at Bright and Board.
Speaker 2: But about.
Speaker 13: Six months into it, the warranty company called me and said,
Speaker 13: we're going out of business, but we have another varranty
Speaker 13: company taking over. Oh god, so they could go oh.
Speaker 6: And we got listen.
Speaker 8: That's a hell of a thing to leave out, man,
Speaker 8: you should have kind of let you I know.
Speaker 5: That was the that was we got to take a break.
Speaker 5: That was the most important part of what we just heard.
Speaker 5: Hang on, Go with a sure thing Denver's best roofer
Speaker 5: Excel Roofing dot com. You don't pay a cent until
Speaker 5: you're content. Time for an insurance check up free, no obligation.
Speaker 5: In comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out Now three oh
Speaker 5: three seven seven one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the Real Estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two. Hi, Tom Martino,
Speaker 5: don't forget Frankurandreal Estate Man dot com will do free
Speaker 5: market valuations of your home. Just ask what will my
Speaker 5: house self for? He'll tell you what it will sell
Speaker 5: for what you'll clear and what you can buy. It's
Speaker 5: all complimentary. Three oh three nine two zero sixteen twenty
Speaker 5: two Frank Duranderealestate Maan dot Com. You know, John, listen, man,
Speaker 5: I'm gonna put deputy doc on this. I want deputy
Speaker 5: doc to call the dealer and get the lowdown and
Speaker 5: get their perspective.
Speaker 6: There could be.
Speaker 5: A situation here which you don't want to hear, but
Speaker 5: I'm going to tell you. It could be that this
Speaker 5: damn place is no longer obligated to you because they're
Speaker 5: out of business and the new company is just taking over.
Speaker 6: Gratus maybe.
Speaker 5: And if that's the case, man, this is it's a
Speaker 5: major problem because the warranties are only as good as
Speaker 5: the warranty company. Cynthia, start your problem with this ophtalmologist.
Speaker 6: What's going on?
Speaker 17: Well, I this doctor because I have dry eye. The
Speaker 17: first time I saw him, he said, you know, I'll
Speaker 17: give you a prescription bottle of you know, eye drops,
Speaker 17: and I want to see you back in the week.
Speaker 17: So I came back and he says, oh, no, nothing's working.
Speaker 17: I've got to give you this dry eye mask. Well,
Speaker 17: he sold it to me for one thousand and fifty dollars.
Speaker 17: I you know you're at a point where you can't
Speaker 17: see that. Well, you go. I got to do it.
Speaker 17: And then I went online to the manufacturer and it
Speaker 17: sells for eighty seven dollars in ninety nine cents.
Speaker 6: I have what did you sell it for?
Speaker 8: How much?
Speaker 17: One thousand dollars in one thousand and fifty?
Speaker 6: Oh my god? Why did he mark it up so much?
Speaker 17: I have no idea. He will not take a phone call.
Speaker 17: The only thing you could do is go in and
Speaker 17: see him. And I don't want to charge medical Okay, another.
Speaker 6: All right?
Speaker 5: You hold on, You hold on and we'll talk about it.
Speaker 5: That sounds outrageous to me. Again, there is no law
Speaker 5: on pricing that I know of for that, but we'll
Speaker 5: talk about it. That sounds almost abusive to me. Hold on,
Speaker 5: I'm Tom Martine Moore coming up. Go with a sure
Speaker 5: thing Denver's Best roofer Excel roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three oh three, seven to
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 18: Rip new need advice, so you don't help, come running
Speaker 18: just as fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 8: Come man, This is the Troubleshooter Show.
Speaker 5: No Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five.
Speaker 6: What's going on in your life?
Speaker 5: We love helping you, so call us with any problems,
Speaker 5: questions or complaints. Don't forget fix at twenty four to
Speaker 5: seven will take care of your son.
Speaker 6: Pump fifty nine bucks.
Speaker 5: And it's well worth it. It's fixed at twenty four
Speaker 5: to seven, seventy zero five two six, thirty nine, thirty
Speaker 5: nine or wait wait is it fifteen nine or forty?
Speaker 6: I know it's forty nine? I believe.
Speaker 5: And that's a complete um check cleaning uh lube if
Speaker 5: it takes it, and a no breakdown guarantee that the
Speaker 5: spring rains are coming, you can use it. Fix it
Speaker 5: and it's fixedmihome dot com Book now fixmihome dot com.
Speaker 5: So Barry Miller just joined us from Vestera Turnkey.
Speaker 6: He'll be with us.
Speaker 5: We also have deputy doc and deputy D for Dimitri and.
Speaker 6: Anyone else who wants to join us.
Speaker 5: Just come on in and just tell me here for
Speaker 5: the Martino Show to let you in. And I'm doing
Speaker 5: an abbreviated schedule for a while, recovering from the Whipple surgery.
Speaker 5: And thank god, I was pronounced cancer free based on
Speaker 5: all the pathology and now it's just getting healthy again.
Speaker 5: And it was a hell of a thing. Wow, just
Speaker 5: out of the blue, thinking I'm doing everything right healthwise.
Speaker 5: But it did help me recover pretty quickly from that
Speaker 5: major surgery two weeks ago. So let's go back now,
Speaker 5: Cynthia says, Now, and I understand this, by the way,
Speaker 5: this happens, Mark, doesn't this happen in every single every
Speaker 5: single category we have auto home health?
Speaker 8: You know what it reminds me of We had a
Speaker 8: Cairo practor that sold somebody like a red light and
Speaker 8: they found the exact same one, I mean identical one,
Speaker 8: same manufacturer, same model number on Amazon for like seventy
Speaker 8: nine dollars and the chiropractor sold it for like sixteen hundred.
Speaker 14: Yes.
Speaker 5: Now, Cynthia says she went to a doctor for dry
Speaker 5: eyes and you tried drops it first, and then that
Speaker 5: didn't work, and he sold you this dry eye mask.
Speaker 6: Now, Cynthia, what is this mask like? Is it like
Speaker 6: a Zoro.
Speaker 5: Mask that goes across your or the Lone Ranger? It
Speaker 5: goes across your eyes like that?
Speaker 17: Yes, and it's it's and then it's a heated mask.
Speaker 5: And you're supposed to wear it at night. Yes, and
Speaker 5: it's supposed to basically help you retain moisture.
Speaker 6: How does that work?
Speaker 17: I'm not real sure what it will. It's moist teeth,
Speaker 17: so yes, it will.
Speaker 8: Okay, help me get it.
Speaker 6: Did it work for you? Did it work for you?
Speaker 6: Do you know?
Speaker 17: Something in my gut told me something was wrong? And
Speaker 17: I didn't even try it. And that's when I looked
Speaker 17: on the manufacturer's website and saw how much I was
Speaker 17: being charged for it that you know you were.
Speaker 5: Being charged one thousand? Yes, and you can buy it
Speaker 5: on Amazon for what.
Speaker 17: I didn't check Amazon. I checked a manufacturer and I
Speaker 17: can buy it for eighty seven ninety nine.
Speaker 5: And they will sell it to you if you wanted
Speaker 5: to buy it right now? You could buy it for
Speaker 5: eighty seven ninety nine?
Speaker 13: Right?
Speaker 8: What's the name?
Speaker 9: Check something?
Speaker 6: Go ahead?
Speaker 8: Doctor?
Speaker 11: Also I had to do is contact the Medical Board.
Speaker 11: Once a patient makes a complaint, the doctor has to
Speaker 11: submit what's called the thirty day letter. Within thirty days
Speaker 11: after he is notified of the complaint. He must give
Speaker 11: them a written explanation of of what the issue is
Speaker 11: and they will decide whether or not to take further action.
Speaker 11: And the board is very very strict about okay.
Speaker 5: Asked something about this? Is he an ophthalmologist?
Speaker 8: An MD?
Speaker 6: Are we talking about an MD here? Okay? Then you
Speaker 6: would go to the medical Board and what's the name
Speaker 6: of that mass?
Speaker 9: About that?
Speaker 1: Tom?
Speaker 9: Okay?
Speaker 6: That's good? And what's the doc?
Speaker 5: Maybe you can call her and show tell her the
Speaker 5: number to call.
Speaker 6: I like to know the name of that.
Speaker 11: Go ahead, I'll just all you have to go to Dora.
Speaker 11: You go to Colorado dot gov and then go to
Speaker 11: Dora to Department of Raye tol Aden's and there's a.
Speaker 6: Now, now, can I have the name of that mask? Please?
Speaker 17: The mask is called Wizard Research Electric Heated dry eye
Speaker 17: Relief Mask.
Speaker 8: God.
Speaker 5: Okay, Wizard dry eye mask heated? Okay, I see it
Speaker 5: here on Amazon and on Amazon the most expensive one
Speaker 5: is one hundred and thirty nine and the actual one
Speaker 5: you're talking about is sixty four dollars.
Speaker 17: Right when I looked at it was eighty four something
Speaker 17: from the manufacturer itself.
Speaker 8: Okay, it's so crazy. Did you we did the thousand
Speaker 8: dollars or whatever he charged you? Was that for the visit,
Speaker 8: the diagnosis and the mask or it was just the mask?
Speaker 6: Good point? Good point.
Speaker 9: It was?
Speaker 5: Okay, did you The oddest thing is this? Did you
Speaker 5: ask him? Did you ask him about it?
Speaker 6: Did you bring this up?
Speaker 4: The charge?
Speaker 6: Yeah?
Speaker 5: Did you say, hey, I can this for eighty seven
Speaker 5: bucks and you sold it to me for a thousand?
Speaker 2: No?
Speaker 17: I went ahead and bought it because I could barely see.
Speaker 17: And then, like I said, when I got home, just
Speaker 17: my gut was telling me something was wrong. And there's
Speaker 17: no such thing as calling him. You can only go
Speaker 17: in and see him, and I just don't want to
Speaker 17: waste more of my medicare to go in.
Speaker 5: Wait a minute, Wait a minute, Wait a minute, Wait
Speaker 5: a minute.
Speaker 6: There's no one at that office you can call and
Speaker 6: talk to.
Speaker 8: No.
Speaker 5: Ok So, how do you make an appointment online. Yes,
Speaker 5: and and you don't want to waste your time doing that.
Speaker 6: No, I don't understand.
Speaker 17: I don't because he Tom, you and I are the
Speaker 17: same age. And I know somebody snapping their finger at
Speaker 17: me telling me to pay attention.
Speaker 8: And is that what he did?
Speaker 13: Yeah?
Speaker 6: What's the what's the name of the eye doctor? What's
Speaker 6: the name?
Speaker 17: Well, it's Colorado I Clinic and the doctor's name it's
Speaker 17: a foreign name. I probably won't say it correctly. Uh goodness,
Speaker 17: I'm sorry. I can't even have a Roona or something
Speaker 17: like that. I'm horrible with Okay.
Speaker 6: Last name, just spell it for me.
Speaker 8: Well, wait a minute, you know what John just brought
Speaker 8: something interesting up I didn't think about.
Speaker 6: I mean, Medicare paid for this, right?
Speaker 17: Yes? No, I'm sorry they did not.
Speaker 6: They did, so you paid out of pocket?
Speaker 2: Yes?
Speaker 17: Okay, he said that this was not covered. Because he
Speaker 17: said that this was not covered by medicare you know?
Speaker 14: Tom?
Speaker 8: I think this such you call, but I have to
Speaker 8: say this. It's like who do we get on when
Speaker 8: it comes to a light switch that you can buy
Speaker 8: at home depot for a dollar. And so I know
Speaker 8: I know, or even better yet, I go back to
Speaker 8: my automotive days, my tired days with Goodyear, a valve
Speaker 8: stem would cost me ten cents and I'd sell them
Speaker 8: for three ninety nine all day long. That's like four
Speaker 8: hundred percent markup.
Speaker 11: I think there's a difference, you know, when it's a
Speaker 11: person of trust, when you're relying on someone's professional conduct
Speaker 11: and she has looking at the news by contacting the board.
Speaker 6: Doc, I don't know.
Speaker 8: You go into a hospital and you look at your
Speaker 8: bill for an advill it could be forty dollars and
Speaker 8: somehow that's okay, you.
Speaker 6: Know, here's the thing. But here's the thing we're missing.
Speaker 5: First of all, Okay, let's just say you were gouged
Speaker 5: with the price, but.
Speaker 6: You didn't even give it a chance. What if it works?
Speaker 17: Because I went to another eye doctor and that wasn't
Speaker 17: even the diagnosis of dry eye.
Speaker 6: What did they say?
Speaker 17: They said that what I needed was to have a correction,
Speaker 17: a correction in cataract surgery.
Speaker 5: Okay, So what I want to know is how much
Speaker 5: was the eye exam itself?
Speaker 17: That I don't know, since Medicare paid for it, how
Speaker 17: do you know?
Speaker 5: Okay, so you know that the mask you were paying
Speaker 5: for the mask because you pay that directly. Right, so
Speaker 5: everything else was covered by medicare, right or is it medicare?
Speaker 6: Okay?
Speaker 5: So listen, I don't know what to do about this one.
Speaker 5: I don't think there is an answer. If you want
Speaker 5: to know the truth, I think Doc, I don't think
Speaker 5: they did anything wrong.
Speaker 6: Well, I think DOC nailed it.
Speaker 8: Because if I'm a doctor and I have the board
Speaker 8: writing me a letter about one thousand dollars thing that
Speaker 8: you can buy for sixty nine books, along with possibly
Speaker 8: a wrong diagnosis, I might just do the refund and
Speaker 8: call it a day. Is this in Greenwood Village?
Speaker 11: Absolutely nothing to lose by writing a letter to the board.
Speaker 6: Let's do that.
Speaker 5: Go to door Department of Regulatory Agencies and then call
Speaker 5: us back.
Speaker 6: Though we want to hear from you.
Speaker 5: We have it written down here, and I'd like I'd
Speaker 5: like to know what they do or what they say,
Speaker 5: because this has to be This can't be the only
Speaker 5: time this has happened, and it's not the only clinic.
Speaker 6: And get this all the time, Cynthia.
Speaker 8: Got to do it too. Don't just like yes us,
Speaker 8: you're the one that's got to write it because you
Speaker 8: were the patient. So I mean rarely do it. It's
Speaker 8: not that big of a deal. It's not like it's
Speaker 8: gonna take you an hour. I mean, it's really easy to.
Speaker 17: Do well right now?
Speaker 5: Yeah, good, call us back with the results. Let us
Speaker 5: know if you hear from them or what the board says.
Speaker 5: I'm Tom Martinez. Compass Insurance will do an insurance checkup.
Speaker 5: Find out if you're adequately insured, maybe you're paying too much,
Speaker 5: maybe you don't have the right coverage. It's all free
Speaker 5: of charge. Three h three nine nine six nine more
Speaker 5: coming up. Yeah, go with a sure thing Denver's best
Speaker 5: roofer Excel Roofing dot com. You don't pay a cent
Speaker 5: until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call this insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three all three seven to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three all three nine two zero sixteen
Speaker 5: twenty two. Hi Tom Martino, you're a troubleshooter three oh
Speaker 5: three seven on three Talk skinny Skinny's on the line.
Speaker 6: That's their name, not mine. I didn't give it to him.
Speaker 5: So Skinny wants to talk about a contractor shoot Skinny,
Speaker 5: what's going on?
Speaker 18: Hey Tom, glad to hear you doing better.
Speaker 6: A long time fan here, Thank you.
Speaker 18: I I I am.
Speaker 15: So.
Speaker 18: I just bought a new house and it's got sort
Speaker 18: of an unfinished.
Speaker 19: Driveway at a bunch of areas.
Speaker 18: I'm doing all sorts of renovation and everything to this house.
Speaker 18: As we were jumping arriving at the house, this guy
Speaker 18: pulls in in a truck and says, hey, man, we
Speaker 18: have we do blacktop paving stuff, and we've got like
Speaker 18: extra material.
Speaker 5: I'll give you a super goods That is the number one.
Speaker 5: That's the number one red flag for a scam. Just
Speaker 5: happy to be in the neighborhood. We have materials, so.
Speaker 6: Go keep going.
Speaker 14: Yeah.
Speaker 18: So, but on the same I'm actually got lots of
Speaker 18: plans to do some do some you know, resurfacing and everything.
Speaker 8: So I said, oh, this could be good.
Speaker 18: And I actually have some money set aside, and so
Speaker 18: I could spend a couple of bucks and maybe start this.
Speaker 15: Process and see what it's like.
Speaker 18: So anyway, he just says it's uh, it's he kind
Speaker 18: of says he's got some trucks and all of this,
Speaker 18: and he says.
Speaker 15: He's going to do four dollars.
Speaker 18: A square foot. And then we actually do a little
Speaker 18: bit of research and apparently this does go out.
Speaker 14: At six to eight dollars.
Speaker 18: A square foot when it's you know, blacktop, Is that correct?
Speaker 6: We kind of looked on Google, well it so it depends.
Speaker 6: I mean, but here's the point.
Speaker 5: You can't just do blacktop without pres being properly, so
Speaker 5: let's get to the problem.
Speaker 13: Yeah.
Speaker 18: So now they end up dropping the material and I'm
Speaker 18: like cool. And by the way, the only thing they
Speaker 18: had said was the only numbers I got was a
Speaker 18: thousand square feet and four dollars of square foot, so
Speaker 18: I'm thinking four grand. So I'm like, okay, great.
Speaker 5: Yeah, but wait a minute, but wait a minute, skinny, skinny,
Speaker 5: hold on, bro, you know you're hopping through all. You're
Speaker 5: skipping the main point. You were expecting this and expecting that.
Speaker 5: Did you ever think to have it written down like
Speaker 5: one thousand feet at four dollars a foot and then
Speaker 5: you sign it with the contractor or did you do
Speaker 5: this all on a handshake? No?
Speaker 18: Yeah, I thought it was just going to be casual
Speaker 18: and not a big deal, right, yeah.
Speaker 5: Okay, And so so you were figuring in your head
Speaker 5: one thousand feet at four dollars a foot.
Speaker 6: Where did you get the four dollars a foot?
Speaker 2: That's what he told me.
Speaker 6: That's what he told me. The price would be.
Speaker 8: Well, how many square feet? Well, driveway though, I mean,
Speaker 8: like seriously.
Speaker 5: He said a thousand. I don't know, he said one thousand.
Speaker 5: Is it a thousand?
Speaker 6: So one thousand by one foot?
Speaker 18: Well, what they ended up dropping one thousand.
Speaker 6: Square feet is what he's saying. Okay, well that's.
Speaker 18: What That's what I got, was a thousand square But
Speaker 18: that's the only kind of numbers they throw up. A
Speaker 18: thousand and four dollars a square foot. Well, skinny, well.
Speaker 6: Tell me did they did they do the blacktop or not?
Speaker 6: They did the blacktop? Yes, what prep did they do?
Speaker 6: But hold on how many square feet? I'm dying to
Speaker 6: know that.
Speaker 7: Well, this is the problem.
Speaker 18: Yes, they'd ended up dropping four trucks, so now that's
Speaker 18: four thousand square feet. Right when they actually calculated out
Speaker 18: the thing, the bill ended up coming to seventeen thousand dollars.
Speaker 5: All right, skinny skinny, Are you blaming them? What about
Speaker 5: your part in this?
Speaker 8: Absolutely?
Speaker 18: I think I have a part where I didn't insist
Speaker 18: on an actual dollar quote.
Speaker 5: Yeah, or a contract of any kind.
Speaker 14: Correct?
Speaker 8: Can you even, skinny skinny?
Speaker 5: What if this guy says, look, I did the blacktop,
Speaker 5: he pays the bill. I never said anything about a
Speaker 5: thousand square feet. I never said anything about four dollars
Speaker 5: a foot. By the way, did he keep the four
Speaker 5: dollars a foot?
Speaker 18: Yes, yes, because when he measured it out, he did
Speaker 18: it with an accurate measuring tool. And I believe them
Speaker 18: now that it's definitely larger than one thousand square feet.
Speaker 8: So actually he did four dollars. I'm a little confused here.
Speaker 8: He actually stuck to the four dollars to square foot.
Speaker 8: But and you said that it went with a good price.
Speaker 8: You just said, so if the job looks good, and
Speaker 8: that is a good price. And I don't know if
Speaker 8: it is or isn't. I don't even know what the
Speaker 8: problem is with the exception. You're saying you didn't do
Speaker 8: the math right in your head.
Speaker 6: Well, okay, he.
Speaker 18: Quoted a thousand square feet is a truck.
Speaker 9: I didn't know yet.
Speaker 6: How can you prove that.
Speaker 5: How can you prove that he said to you it'll
Speaker 5: be a thousand square feet?
Speaker 6: How do you prove that.
Speaker 18: We don't We just had a conversation.
Speaker 7: It was really quick.
Speaker 5: So if I say to him, you overcharged Skinny, because
Speaker 5: it's now seventeen grand and he was thinking four grand,
Speaker 5: and this guy says, I never told him a thousand
Speaker 5: square feet, But then we're out of stalemate.
Speaker 6: It's done.
Speaker 8: You know you with you didn't even sign a contract,
Speaker 8: tom if there truly is no contract whatsoever, and this
Speaker 8: guy hasn't paid him. I mean, they could lean the
Speaker 8: property and they're going to end up having a day
Speaker 8: in Core. And this guy can simply say they didn't
Speaker 8: quote me that much. They quoted me four thousand. I mean,
Speaker 8: I don't know who would win, and it's.
Speaker 5: Not going to work. This guy, Skinny's gonna lose, okay,
Speaker 5: because while it was being done, he saw how much
Speaker 5: was out there. He had every opportunity to measure. He
Speaker 5: can't see people. You can't just sit on your ass
Speaker 5: and expect everyone to carry your water. Here's the bottom line.
Speaker 5: You have responsibilities.
Speaker 3: Today.
Speaker 5: We've had several calls, or not several, but we've had
Speaker 5: calls where people blame a contractor because they were asleep
Speaker 5: at the wheel.
Speaker 8: All I can say is this, if I was.
Speaker 5: Having blacktop put on my home, not only would I
Speaker 5: want to know the quantity and the square footage, I'd
Speaker 5: want to know what prep they're doing. I'm more concerned
Speaker 5: about not the seventeen grand, but what if this stuff
Speaker 5: starts coming up now because it doesn't have enough oil
Speaker 5: or he didn't prep it right? How did they prep it, Skinny,
Speaker 5: How did they prep it?
Speaker 18: They kind of scraped the ground a little bit and
Speaker 18: they had a.
Speaker 19: Little bit of a They had the proper tools with him.
Speaker 18: But you are correct, I don't know if this has
Speaker 18: been well done. It quite frankly doesn't look like a
Speaker 18: super pro job.
Speaker 6: Okay, here's what you need to do. I'm going to
Speaker 6: give you homework.
Speaker 5: You need to have a blacktop contractor come out and
Speaker 5: look at it, and you need to get an assessment
Speaker 5: of the job if the job is substandard.
Speaker 6: By the way, was a building permit required for this?
Speaker 7: You know?
Speaker 18: I mean I had the conversation and the guys were
Speaker 18: and I said cool, because I thought it was going
Speaker 18: to be four brand, And like the guys were there
Speaker 18: in twenty minutes.
Speaker 9: It was crazy.
Speaker 10: Hey, Skinny, all right, Something else for your homework is
Speaker 10: you got to find out if this contractor was required
Speaker 10: to have a license to do this kind of work
Speaker 10: in your jurisdiction. And the second thing is does this
Speaker 10: kind of a job require a permit. You can get
Speaker 10: both those questions answered by calling your city or county
Speaker 10: building to pregnant.
Speaker 9: Now help your dec As.
Speaker 5: Far as Skinny's obligation to this contractor, if the contractor
Speaker 5: is unlicensed, that doesn't mean you don't owe him. Licensing
Speaker 5: is a separate issue. Here's the main issue right now,
Speaker 5: Quantum marriwit, what did you get for the money? Were
Speaker 5: you cheated? Was it substandard? You need to start building
Speaker 5: a case on your own. But you don't get someone
Speaker 5: who simply exaggerates. You get someone who'll give you an
Speaker 5: honest assessment of that blacktop and they say, you know
Speaker 5: it's not that bad.
Speaker 6: Now, did it.
Speaker 5: Go over greenery or did it go over existing blacktop?
Speaker 18: It went over existing sort of gravel driveway. Dirt and
Speaker 18: gravel driveway.
Speaker 5: Okay, that's good. Dirt and gravel, that's good. Did they
Speaker 5: do any kind of oiling first? Any kind of tar
Speaker 5: or did they just take the blacktop and put it
Speaker 5: over the ground.
Speaker 18: I think they just put it over the ground.
Speaker 5: Okay, you know you I don't. The worst thing ever,
Speaker 5: you broke every rule in the book. The first one
Speaker 5: is you were solicited at the door, and never ever,
Speaker 5: ever accept a contract based on someone coming to your door.
Speaker 5: Now I'm not saying not to hire them. I'm saying
Speaker 5: don't do it because they came to your door. If
Speaker 5: you're thinking of blacktop and somebody came by and said,
Speaker 5: I happen to be in the neighborhood with material I'd say, okay,
Speaker 5: give me your card and I'll let you know what
Speaker 5: I find.
Speaker 6: I'm going to shop around. You don't just take someone.
Speaker 5: Because they pull up in a pickup truck and say, hey,
Speaker 5: I happen to be in the neighborhood. I mean, you
Speaker 5: were literally pray because I'll guarantee you they weren't in
Speaker 5: the neighborhood with materials. I'll guarantee you that it's probably
Speaker 5: it's probably not a good job.
Speaker 8: I hope I'm wrong.
Speaker 6: So where did you check the pricing? I just on Google.
Speaker 18: When you ask, like, you know, what's the typical pricing
Speaker 18: of getting blacktop done.
Speaker 5: Okay, and blacktop again? All right, I'm finding here. I
Speaker 5: just looked it up. Typical range in Denver Metro and
Speaker 5: this is is three to seven dollars a foot, and
Speaker 5: if it's under three hundred square feet, it's it's about
Speaker 5: ten dollars. And then larger projects you can get down
Speaker 5: to four dollars a foot for a thousand square feet
Speaker 5: or more. But and here it mentions that doesn't include prep.
Speaker 5: So you know, I don't know what they did for you.
Speaker 5: I don't you need to have it analyzed. They do
Speaker 5: what's called the core sample. How deep is your three
Speaker 5: or four inches or six? How deep is it?
Speaker 8: It's difficult to tell.
Speaker 18: Maybe I would say four to four inches probably.
Speaker 5: Okay, So I want you to call a contractor or
Speaker 5: someone an inspector and have them do a core sample
Speaker 5: or two and give you an analysis of the oil
Speaker 5: to stone ratio and the UH and what you got. First,
Speaker 5: let's figure out what you got and if it was
Speaker 5: done properly. I mean we're shooting blind right here. You're
Speaker 5: complaining because it was more than you expected. Well, whose
Speaker 5: fault is that?
Speaker 9: Right?
Speaker 5: I mean, it's no one's fault. These guys did the job.
Speaker 5: You allowed them to do it.
Speaker 6: Now you're saying, but I thought it was going to
Speaker 6: be a thousand foot When you tell them that, when
Speaker 6: did you bring it up?
Speaker 5: Did you say, hey, wait a minute, you set one
Speaker 5: thousand feet at four bucks a foot?
Speaker 6: What do they say when you bring that up?
Speaker 18: He said that was for one truck, and they brought
Speaker 18: in four trucks because that was apparently the extra material
Speaker 18: that they had.
Speaker 5: Apparently all right, so maybe that's what he said. Hey,
Speaker 5: it's going to be about one thousand dollars or it's
Speaker 5: four thousand dollars a truck. I mean, you know, Skinny,
Speaker 5: you are in a bad way right now. Have you
Speaker 5: paid anything?
Speaker 9: No?
Speaker 18: No, I'm supposed to meet with them today.
Speaker 5: Well here's what I would do, because you're not going
Speaker 5: to win this. You're just not going to win it.
Speaker 5: What I would say to him is, look, I never
Speaker 5: expected it to be this much. I was thinking it
Speaker 5: was a thousand square feet. Listen, Skinny, when you look
Speaker 5: at your driveway, did you know you had more than
Speaker 5: a thousand square feet?
Speaker 6: Be honest?
Speaker 18: Yeah, yeah, Well I have tons of land and the
Speaker 18: tons of different sections of the driveway. And that's why
Speaker 18: I kind of decided to do this section and see
Speaker 18: how it would come across, because we could just expand
Speaker 18: it later if we wanted to.
Speaker 13: But you knew, oh you knew you had made sense.
Speaker 5: Okay, but you knew you had any again, Okay, then
Speaker 5: I would say what you have to do is negotiate
Speaker 5: with him, because you're not going.
Speaker 6: To win it. You're just not.
Speaker 5: You got you got what he did. Uh, you got
Speaker 5: the benefit of it. Again, though, do those core samples,
Speaker 5: because now's the time before you pay to bring up
Speaker 5: any issues. If it's if that is not a good mix,
Speaker 5: if it wasn't compressed right, if it wasn't done right,
Speaker 5: do the core samples. Three oh three, seven to one
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Speaker 5: In comparison, call Compass Insurance. Paying too much your coverage
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Speaker 5: Alliance three all three nine two zero sixteen twenty two
Speaker 5: by Tom Marcino, your troubleshooter three oh three seven one
Speaker 5: three talk seven one three A two five five. By
Speaker 5: the way, Barry Miller's with us two from Vestera Turnkey,
Speaker 5: and he'll be talking about his program and how we
Speaker 5: work together on that. And then we have also John
Speaker 5: from CMG Financial. He can talk about reverse loans and
Speaker 5: other things people are thinking about. So Charles has a
Speaker 5: problem with HVAC. Hi, Charles, what's happening?
Speaker 2: Okay, Tom, thank you for taking my call.
Speaker 6: Yeah, go ahead, sir, what's going on?
Speaker 9: Charles?
Speaker 2: Okay, it all started back about two months ago. Are
Speaker 2: what happened? Is our furnace is about thirty six years old? Okay,
Speaker 2: I cold, Colorado, help heat help, and they said they
Speaker 2: were going to help us to get in.
Speaker 5: Wait, who either, Charles, Charles, hold on? Who did you call?
Speaker 5: What agency is called?
Speaker 2: The name of the program, the name of the the
Speaker 2: company was called Intervention, Crisis Intervention Help help Line?
Speaker 5: And what we Charles, Charles, there is no what what Charles?
Speaker 6: Just I know you want to tell me your story.
Speaker 5: But was this a real government agency or nonprofit or
Speaker 5: did they just call themselves that?
Speaker 8: What exactly government?
Speaker 5: What exactly is the program? What is it called? I'm
Speaker 5: trying to look it up and I see nothing like
Speaker 5: that called crisis Intervention?
Speaker 2: On? Tom? Hold on, Tom, hold on right now, Honey, sure, honey, cover.
Speaker 8: Give me that name break and then we'll still have
Speaker 8: time when he gets when he fused? Hey, Charles, Charles,
Speaker 8: how old are you?
Speaker 6: Charles? I'm just curious.
Speaker 2: I'm sixty six?
Speaker 6: Oh my god.
Speaker 5: Okay, all right, bro, hang on, okay, we'll be back
Speaker 5: and I'll help this youngster out. Three O three seven
Speaker 5: one three eight two five five Go with a sure
Speaker 5: thing Denver's Best roofer Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance Paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two him you know here
Speaker 5: trio three seven one three talk KH Home Solutions, window siding,
Speaker 5: doors and more, and now painters KH Painting Pros.
Speaker 6: That's Kwindows dot com.
Speaker 5: Charles said he around two months ago he called some
Speaker 5: kind of crisis line.
Speaker 6: Charles, did you get the name of it?
Speaker 2: The name of it? It is called Crisis Intervention Programs?
Speaker 6: Okay? Who is it run by?
Speaker 2: It is run is run through the Help Heat Help
Speaker 2: Ran Heat Help, the Colorado Heat Help.
Speaker 6: Heat Help of Colorado.
Speaker 5: And what what tell me what went on when you
Speaker 5: called the crisis Intervention program?
Speaker 2: When I call the crisis Intervention program and I told
Speaker 2: and explained to them the situation with our furthers. They
Speaker 2: said they would they they were they would get somebody
Speaker 2: out here to assess the problems. And that's been over
Speaker 2: two months ago.
Speaker 6: Did they ever send someone out?
Speaker 2: No, they the h BACK came out first. It started
Speaker 2: with Home Depot. H back came out and looked at it,
Speaker 2: and they told us that the furduce was thirty six
Speaker 2: years old and for us to buy parts for this furtuce,
Speaker 2: it was going to cost us more than what we want.
Speaker 8: Were Charles pay.
Speaker 6: Charles? I want to ask a few questions. Why did
Speaker 6: you call? To begin with? Did your heat stop working?
Speaker 2: Yes, we have our heat stopped working, and all we
Speaker 2: have okay, this way in the way of source of
Speaker 2: heat is a space heater, a heating blanket.
Speaker 6: Okay, all right, all right, Charles, Charles waet.
Speaker 5: So this crisis intervention program I suspect is not what
Speaker 5: you think and it's not a government program. If they
Speaker 5: sent a private contractor to your home.
Speaker 6: That's weird.
Speaker 5: Who did they what's the name of the HVAC company
Speaker 5: that went.
Speaker 6: To your home.
Speaker 2: That I don't know? That was done through well, that
Speaker 2: was done through home depots?
Speaker 6: Well, how did Home Depot get involved.
Speaker 2: Because we called home Depot and we told them this
Speaker 2: situation with our with our with our heating, with our
Speaker 2: furnace not heating.
Speaker 5: So they okay, when you why did you call home depot?
Speaker 6: Why did you call home depot.
Speaker 2: For them to come and check out our heard?
Speaker 5: And who did home Depot? Who did Home Depots send
Speaker 5: out to your house?
Speaker 2: They sent out an HVAC company.
Speaker 6: Do you know the name of that company?
Speaker 2: No? Hold on my wife?
Speaker 20: Who's getting that right now?
Speaker 2: Hold on buddy? All right?
Speaker 6: So here's what I want to know, Charles. Are you calling?
Speaker 5: Are you basically calling today because you have not heard
Speaker 5: from them?
Speaker 13: Right?
Speaker 2: I am basically calling today because I have not heard
Speaker 2: from good good.
Speaker 15: I have not heard that's really good.
Speaker 2: Ars.
Speaker 5: I'm going to tell you that's really good. It's really good.
Speaker 5: You didn't hear from anybody? Because I want you to
Speaker 5: start from scratch. Okay, you're getting you're getting in the
Speaker 5: muck and meier. These people have nothing to do with
Speaker 5: crisis intervention. They're not going to do anything free. If
Speaker 5: you thought you were going to get something free, you're not. Okay, Now,
Speaker 5: now I don't want don't you going down this road?
Speaker 5: Because what's going to happen is you're going to be
Speaker 5: stuck with a big bill. What I want you to
Speaker 5: do is check out some real help. Okay, Now, what
Speaker 5: is your situation as far as income.
Speaker 2: Well, me and my wife are. Me and my wife
Speaker 2: are on a fixed income because I am a retired
Speaker 2: I'm retired for the government. But what they put me
Speaker 2: out on they put me out on a disability retirement programs.
Speaker 6: Okay, you're the government, and my.
Speaker 2: Wife is on an s s d I Security Social
Speaker 2: Security retirement program. So we we're not we're not making
Speaker 2: that much.
Speaker 21: Okay, come in and put put that on.
Speaker 2: My wife said, all we need to do, all we
Speaker 2: need is somebody to come put out the pilot life.
Speaker 6: Here's what I want to do.
Speaker 2: But I think it's I think it's more Charles.
Speaker 5: I think Charles. I'm gonna Charles hold on before we
Speaker 5: do anything else. I'm gonna get one of our deputies
Speaker 5: to go out there and check your furnaces.
Speaker 8: Well, where's he located, Charles?
Speaker 9: Where do you?
Speaker 8: I don't want you at here? But is it Denver?
Speaker 8: Where is it? It's Aurora?
Speaker 9: Right?
Speaker 8: Why don't we send out Why don't we send out
Speaker 8: one of our hvac folks.
Speaker 5: I would send out Deputy bow first, okay, just to see.
Speaker 8: No, you know, he's an hvac guy forever. That's not
Speaker 8: a bad idea whatsoever.
Speaker 5: Yeah, so we're going to send someone out to help you. Okay,
Speaker 5: Hold on, Charles, and thank you for calling us. Three
Speaker 5: oh three seven one three talks seven one three.
Speaker 8: A two five five.
Speaker 5: We got another two hours ago on the Troubleshooter show,
Speaker 5: Stay tuned and Marcus taking the helm. I got to
Speaker 5: do a limited schedule doctor's orders.
Speaker 6: And thank you for all your well wishes and everything
Speaker 6: else you've done. It touched me deeply more.
Speaker 5: Coming up, go with a sure thing Denver's best roofer
Speaker 5: Excel Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 5: Please time for an insurance check up free, no obligation
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three
Speaker 5: seven seven one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 1: Ripped you needed, so you don't have to.
Speaker 9: Run anxious as fast as.
Speaker 1: You can shoot. It's gonna help coming.
Speaker 4: This is the Troubleshooter Show. No Tom Martino, Welcome, Welcome, my.
Speaker 8: Friends to the only show of it's kind. We're here
Speaker 8: to solve problems, answer questions, state complaints.
Speaker 6: We're here to educate you.
Speaker 8: We're also here to go after the bad guys you've
Speaker 8: been ripped off or taking advantage of her. Maybe you
Speaker 8: just got a question three oh three seven one three
Speaker 8: A two five five. And as I always say, three
Speaker 8: oh three Martino, that number works on and off the air.
Speaker 8: So if you ever need anything three zero three Martino,
Speaker 8: you can also email us at help at troubleshooter dot com.
Speaker 8: In studio with me, Barry Miller, Vestera Turnkey, John Clace
Speaker 8: uh partner in Lending dot Com. He's with c MG
Speaker 8: Bank and then Deputy Dmitri Deputy Doc Dragons on the
Speaker 8: other side back there and Kelly answering your phone. So
Speaker 8: we got three lines open three oh three seven one
Speaker 8: three A two five five Real quick, I want to
Speaker 8: tell you about fix it twenty five four to seven
Speaker 8: Right now, forty nine bucks are gonna come out and
Speaker 8: they're gonna clean that sump pump. Yeah, if you have
Speaker 8: not had your sump pump checked and say over three years,
Speaker 8: it is time to do it.
Speaker 6: The last thing you want is a flood.
Speaker 8: They're gonna come out, spend about two hours only forty
Speaker 8: nine dollars cleaning it, lubricating it. If that's the kind
Speaker 8: you have, forty nine bucks, you're not gonna beat that.
Speaker 8: Check them out at fixmi home dot com. That's fixmihome
Speaker 8: dot com. Hey, John Clace CMG. The all in one loan,
Speaker 8: it's kind of funny. Barry Miller's here. Vestera turnkey is
Speaker 8: an investment strategy we're going to talk about. But I
Speaker 8: thought you two could partner up quite frankly. That's why
Speaker 8: you're both sitting here. So I hope you guys have that.
Speaker 8: Because of your all in one loan, you can use
Speaker 8: that to buy a second house, right you do.
Speaker 9: We have many of our clients use.
Speaker 6: Use vacation house.
Speaker 8: How about an investment property? Do people use it for
Speaker 8: investments or typically not?
Speaker 9: Oh, we actually do it on a some properties now.
Speaker 9: But you can also use your primary if you've got
Speaker 9: enough equity to purchase a pay cash for an investment.
Speaker 8: Property or even just take it out to buy instead
Speaker 8: of one, instead of buying one with all the cash by.
Speaker 9: Three or four. And that's what we see a lot
Speaker 9: of his people utilizing the count because how you can
Speaker 9: pay it down Yeah, and open up equity. Yeah, and
Speaker 9: we do it on you can have up to three
Speaker 9: all on one loans for one barrow now.
Speaker 8: For one borrower. But then if it's a husband and wife,
Speaker 8: that's six. Sure if they you know, if they solely qualify, Ray,
Speaker 8: what is your comment on charles issue? Charles, I don't
Speaker 8: know if he got snookeered or what happened, but basically
Speaker 8: he had someone reach out to him on a furnace
Speaker 8: and say, hey, we can get your free furnace, and
Speaker 8: we just don't really he doesn't know, nor do we know.
Speaker 8: I feel like I'm talking about Biden, But go ahead, Ray.
Speaker 22: Hey, thank you Mark for the opportunity. So the LEAP
Speaker 22: program is the Low Income Energy Assistance Program.
Speaker 8: Yeah, that's it's a real program.
Speaker 22: It's a real program. And they have a sub program
Speaker 22: called the Crisis Intervention Program.
Speaker 8: Oh so you think it is real.
Speaker 22: I do think it's real. However, I believe.
Speaker 8: They ran out of money intervention what.
Speaker 22: Crisis intervention program program sub program under leap, Yeah, and
Speaker 22: I believe they ran out of money with what's going
Speaker 22: on with the federal government and maybe related to that,
Speaker 22: I'm not sure, but this, this gentleman may have just
Speaker 22: fallen through the cracks because of that funding I.
Speaker 8: Got you, because of literally the timing, they might have
Speaker 8: started to dig into it and then they got the
Speaker 8: funded and then that's that, right, Well, send Deputy Bow out.
Speaker 8: Curious enough, we sent him out to another one. I
Speaker 8: heard that guy in the background or his wife in
Speaker 8: the background saying the pilot light just needs to be lit.
Speaker 8: As crazy as that sounds, Deputy bo actually went out
Speaker 8: to one and he had to order some parts and
Speaker 8: do other stuff, but he did exactly that for someone
Speaker 8: else got an older furnace working, so at least they
Speaker 8: had you know, hot air during the or heat during
Speaker 8: the winter.
Speaker 2: Sure.
Speaker 22: Absolutely, And I was going to recommend a Wrap O'Kenny
Speaker 22: Weatherization Assistance program. They do similar work for similar qualifying individuals.
Speaker 8: Well, Deputy Bow, I hope you're listening to that, because
Speaker 8: we're going to have we're going to figure out what's
Speaker 8: going on with their furnace and then we'll dig into that.
Speaker 6: Man.
Speaker 8: Hey, that's great information. Ray, Like, really we appreciate that
Speaker 8: right here on the show one hundred percent. Brother, And yeah,
Speaker 8: that's really good information. Actually, I need to get better
Speaker 8: at keeping a database of all these things that can
Speaker 8: help people like that. They seem to come and go
Speaker 8: though fairly quick. We've had people in the past that
Speaker 8: fixed cars at no cost for single mothers, for example,
Speaker 8: and I it just there's so many people. At some
Speaker 8: point you just run out, you know that place.
Speaker 10: So you're thinking about an organization called Hands of the
Speaker 10: Carpenter and our high school friend of mine actually is
Speaker 10: the CEO of that organization and they're still in business
Speaker 10: and they do exactly what it sounds like.
Speaker 8: It's a single I'm sorry, yes, single mothers.
Speaker 10: They provide used automobiles and then they provide maintenance and
Speaker 10: repairs for them at no charge.
Speaker 9: Oh they are.
Speaker 8: Oh great, Yeah, they've been on there. What is the
Speaker 8: name of the shop. They have a actual shop too.
Speaker 9: Well, it's their own shop. I think they have more
Speaker 9: than one.
Speaker 8: Yeah, they actually have, of course, a for profit shop
Speaker 8: that like you and I could bring our car to.
Speaker 8: Oh didn't they and then they have that. They might
Speaker 8: even have more than one shop. I think the guy's
Speaker 8: name is Tom, but he's been in before.
Speaker 10: Oh, Georgeoppolis. Dan Georgeopolis is the CEO of that organization.
Speaker 10: They may be a Tom over there, but the guy
Speaker 10: went to high school with his name Dan Georgeopolis and
Speaker 10: he runs that organization.
Speaker 8: Very cool, all right, three oh three seven, one, three
Speaker 8: eight two five five. So let's talk Vestaire and loans
Speaker 8: real quick, guys. Here's the deal. Barry Miller, you kind
Speaker 8: of teamed up with Martino two because you guys are
Speaker 8: doing some stuff together. But generally, how this program works
Speaker 8: and it's very interesting, and I'm going to drill you
Speaker 8: on the outcomes you've had, you bit. But basically, you
Speaker 8: go out and you have a knack for finding up
Speaker 8: and coming properties. So that property is generally never in
Speaker 8: Colorado because we're at the top of the market, if
Speaker 8: you will. In fact, we're probably overpriced if you ask.
Speaker 9: Me, I'd agree with that, Adam, yep.
Speaker 8: So you go out. Let's say Johnny finds something in like, uh,
Speaker 8: I don't know, Redmond, Washington, or he finds something in
Speaker 8: North Carolina, or find something in Virginia, and he's looking
Speaker 8: for an area. Maybe a company is coming to maybe
Speaker 8: Microsoft or SpaceX, or there's something in the works, or
Speaker 8: it's just purely undervalued, and you're looking at trends of
Speaker 8: people moving in knowing that it's going to appreciate. So
Speaker 8: you go out and you find the property. The part
Speaker 8: that blows me away is you make how much a
Speaker 8: year doing all this? Three hundred and ninety nine bucks
Speaker 8: from that client, right, isn't it three ninety nine?
Speaker 15: No?
Speaker 16: No, we are paid by the buyer agent who represents
Speaker 16: that person sends us a help.
Speaker 8: Doesn't the person actually doing the investment actually spend a
Speaker 8: few hundred a year with you?
Speaker 16: They do spend six hundred a year.
Speaker 8: So six hundred bucks and find me the house, you
Speaker 8: get paid by the boker. So, in other words, when
Speaker 8: you buy the house, instead of you know, whatever the
Speaker 8: co op is three percent, you get a chunk.
Speaker 16: We get a chunk of that because we're doing chunk
Speaker 16: plus part of the work.
Speaker 6: Yeah, of course.
Speaker 8: Yeah, So you find it, then you find someone to
Speaker 8: manage the property. And by the way, a lot of
Speaker 8: people think these are fix and flips or not. What
Speaker 8: these are John is homes ready to go some.
Speaker 9: Of them are even new homes, don't you some of
Speaker 9: them are new homes.
Speaker 16: There, we're so ready to go out of one hundred homes, Yeah,
Speaker 16: we've had four that had repairs of up to five
Speaker 16: hundred dollars in the last year.
Speaker 9: That's it. That's it.
Speaker 8: That's done. One hundred of these in the last year
Speaker 8: roughly roughly. Wow, what's the appreciation on them?
Speaker 5: Hi?
Speaker 8: Yeah, like what I mean, twenty percent in a year.
Speaker 16: Well, it's not twenty percent anymore, Okay, the appreciation is now.
Speaker 16: Our minimum is twelve percent, got it. So we're between
Speaker 16: twelve and sixteen a year each year.
Speaker 9: Each year.
Speaker 8: So basically, they go out, they find a property manager.
Speaker 8: Then the property manager make sure they find the right renter,
Speaker 8: make sure everything's done. I mean, you're not going to
Speaker 8: fly out to Virginia to fix a furnace. I mean,
Speaker 8: that's why you have a property manager there. But that
Speaker 8: person collects the rent. If I'm the investor, I get
Speaker 8: the rent, well the rent, Yeah, I get the rent
Speaker 8: each month, So there's your cash flow. While that home
Speaker 8: is actually.
Speaker 16: Appreciated, you get the we get the problems. If there
Speaker 16: are a few of those fixed problems, they call us.
Speaker 6: I'm shot you do it with new homes.
Speaker 8: But anyhow, so then two or three years go by
Speaker 8: and you've made thirty forty percent, maybe even more, and
Speaker 8: then you sell the home and you either put the
Speaker 8: money in your pocket or you simply buy two or
Speaker 8: three more.
Speaker 16: By two or three more with nearly no out of
Speaker 16: pocket I mean nearly no out of pocket cash ten
Speaker 16: thirty one tax deferred exchange, so you don't pay taxes
Speaker 16: on the game.
Speaker 8: You just keep building it, just keep building it. How
Speaker 8: about if someone has like an IRA and they want
Speaker 8: to actually buy it with their IRA, can you guys.
Speaker 9: Now what we're talking about?
Speaker 16: You guys, Tom Martino and Wave eight Wealth Management can
Speaker 16: do that.
Speaker 8: Yep, they are explain why people can do that.
Speaker 16: They can do well. Now I'm no IRA forour A
Speaker 16: one K expert. But my explanation that I give out
Speaker 16: several times a week anymore is Wave eight Wealth Management.
Speaker 16: By the way, you could find them online at Wave
Speaker 16: Eightcapital dot com. They have all the expertise to put
Speaker 16: it together. Mark where you could take your IRA money
Speaker 16: and or your four oh one K money give it
Speaker 16: to them. They form LLCs. You cannot have a say
Speaker 16: in their decision, and they then form a group and
Speaker 16: goes buys the property and then the game goes right
Speaker 16: back into your IRA, and you're avoiding taxes properly so in.
Speaker 8: That and then you can roll it over and you roll.
Speaker 16: It over again and again if you want to.
Speaker 9: Yeah, you have to be a pretty specialized IRA, which
Speaker 9: I'm sure they are.
Speaker 16: Well, the Wave eight is very specialized.
Speaker 8: What they do is they basically create a self directed IRA.
Speaker 8: So you want to invest in property, but you can't
Speaker 8: make all the decisions because there's rules around IRA's for
Speaker 8: a one case. So basically they become the investment they
Speaker 8: look to portfolio. They have to agree to it, and
Speaker 8: more importantly, you have to be hands off. They have
Speaker 8: to manage it.
Speaker 9: You can't pick the property or anything.
Speaker 8: No, no, no, no, no, they have to manage it
Speaker 8: for the most part. Well, I don't know if they
Speaker 8: I think you could pick the property.
Speaker 16: They have a say in it, but they can't say okay,
Speaker 16: they have a say in it, and it's more than
Speaker 16: a week in or not. It's legal a say, but
Speaker 16: they can't say deny that property because if they almost
Speaker 16: like an old time general partner in the old days
Speaker 16: when we had General Partners says, we're got buying that property.
Speaker 16: You can't deny.
Speaker 9: Who manages the rent. Do you do the property management
Speaker 9: or the IRA?
Speaker 16: Well, the IRA that forms a new LLC. The LLC
Speaker 16: is buying the property and then we're doing we're treating
Speaker 16: them as if they're a consumer, because they are, because
Speaker 16: Tom Martino and Wave eight is involved.
Speaker 8: Well yeah, I mean basically they're the ones managing the
Speaker 8: man not proper but the retirement file, the retirement directed IRA.
Speaker 8: Tom and I have done them a few times over
Speaker 8: the years with some commercial property where we've used retirement money.
Speaker 16: To highly specialized, highly advantageous yep, to all the consumers.
Speaker 9: And but they have.
Speaker 8: To in other words, if they found a house, I mean,
Speaker 8: they've got to take ownership of this fun So if
Speaker 8: I say, hey, I want this old beaten wreck and
Speaker 8: I want to use five hundred thousand dollars out of
Speaker 8: my four oh one K for it, of my RA
Speaker 8: out of it, and they look at it and they go, well,
Speaker 8: that'd be the dumbest thing anybody's ever done. You're not
Speaker 8: going to be able to do it. So I mean
Speaker 8: they have to basically sign off on it, and you
Speaker 8: have to be arm's length. That's kind of the strange
Speaker 8: part about it. In other words, if I wanted to
Speaker 8: buy a business, that's possible too, But it's kind of
Speaker 8: weird when you get to the point where you have
Speaker 8: to be hands off. You could buy a part of
Speaker 8: the business.
Speaker 16: Go ahead, Barry, Yeah, well, the Wave eight the other
Speaker 16: big big piece they have. With our direct program, you
Speaker 16: make more money. You have to have eighty thousand dollars
Speaker 16: to get started.
Speaker 6: Why do you say eighty out of Well.
Speaker 16: That's lenders require twenty five percent down, So that's for
Speaker 16: the down payment.
Speaker 8: Okay, So you're saying your average property is four hundred thousand, what.
Speaker 16: Is under that the average property is more like three
Speaker 16: hundredth or three twenty.
Speaker 6: That sure, hell isn't in Colorado.
Speaker 9: Then it's not in Colorado.
Speaker 16: You don't have the appreciation, you.
Speaker 8: Don't have average loan or the average property value. Now
Speaker 8: in Colorado, John.
Speaker 9: I think the average sale price it's up to like
Speaker 9: seven hundred and something. It's pretty good.
Speaker 16: The medium price in Denver Metro is about six hundred thousand. Yeah,
Speaker 16: Colorado springs about four point fifty, et cetera.
Speaker 9: Colorado.
Speaker 16: Therefore, somewhere in the five hundreds, but we have positive
Speaker 16: cash flow for our customers.
Speaker 9: That's another key.
Speaker 16: But back to Wave eight, they're able to pool money.
Speaker 8: Yeah, so if you don't have eighty thousand, you could
Speaker 8: have four people come in one with to be part
Speaker 8: of that LLC. But actually in that case, I think
Speaker 8: that would simply be Wave eight and they would have
Speaker 8: points if you will involved into there that that's an interesting.
Speaker 6: Way to do it. So you could really have how
Speaker 6: many have you guys done any of those yet?
Speaker 15: Oh?
Speaker 8: Yes, how many have you done? And how many partners doing?
Speaker 16: The third one right now?
Speaker 6: And the third one? How many partners?
Speaker 9: One?
Speaker 16: Well, one of our customers from the IRA did. The
Speaker 16: other two had five partners. The other two have five parts.
Speaker 9: Yep.
Speaker 8: So you're saying the one has four more slots open,
Speaker 8: or you're saying it's only one person.
Speaker 16: One person took the full ninety thousands.
Speaker 6: Why wouldn't they do it himself? Then I don't understand
Speaker 6: they did.
Speaker 16: They also did one directly with us.
Speaker 8: Why would they do one through Wave eight if they
Speaker 8: were ponying up the.
Speaker 16: Whole best then mark because they found some tax reason?
Speaker 16: Why the plan you can't.
Speaker 6: Let's take this break real quick.
Speaker 8: Any questions for these guys, I'd love to hear them
Speaker 8: in any problems or issues you have. Three oh three Martino,
Speaker 8: we have lines open, hold.
Speaker 5: On go with a sure thing Denver's best roofer Excel
Speaker 5: Roofing dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three, seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com.
Speaker 6: To list your home with Remax Alliance.
Speaker 5: Three oh three nine two zero sixteen twenty two.
Speaker 8: All right, three oh three seven one three eight two
Speaker 8: five five. We're talking to Barry Miller and we're also
Speaker 8: talking to John Clace. We're talking money retirement. It's pretty
Speaker 8: interesting stuff, guys. John, we're interest right now.
Speaker 9: Uh you know they're you know a little north to
Speaker 9: six and a half.
Speaker 8: Are you seeing a lot of people doing a pretty
Speaker 8: much cash outs to pay off credit card?
Speaker 9: What are you seeing they are? Because credit card payments off,
Speaker 9: So we're seeing a lot of people consolidating debt in
Speaker 9: their effective rate on all their their money is gone.
Speaker 9: And then when you talk about the all in one loan, yeah,
Speaker 9: I mean I can't really talk rates, but when we
Speaker 9: go through our simulator and stuff, you know, the people's
Speaker 9: effective rates, they're typically below four percent for the right
Speaker 9: client because of the money's in money.
Speaker 2: Now.
Speaker 8: Yeah, well, what's incredible about that product is whatever you
Speaker 8: have in your checking account offsets whatever's out on that
Speaker 8: line of credit, if anything's out. I mean some people
Speaker 8: you don't just have the line of credit. The other
Speaker 8: thing that's interesting is it's simple interest. So you guys
Speaker 8: aren't front loading like a lot of people do, like
Speaker 8: on a traditional mortgage.
Speaker 9: Yeah, you look at a traditional mortgage. Everybody's seen that
Speaker 9: those amortization schedules. You're paying the bank all interest for
Speaker 9: them ten twelve years.
Speaker 8: That have a say a small business where they're cash
Speaker 8: flow and I don't know, one hundred thousand a month
Speaker 8: or whatever the cash flow is, and then basically they
Speaker 8: sweep it into that checking account in there and then
Speaker 8: sweep it back as needed, but that would offset they
Speaker 8: might have zero mortgage payment.
Speaker 9: A lot of the year, we do a lot of
Speaker 9: small self employment people that you're right. They they you know,
Speaker 9: they'll pay their taxes quarterly or something like that money'll
Speaker 9: sit in there that.
Speaker 8: Personal does that money have to be So let's say
Speaker 8: I go through you. You guys are the bank CMG,
Speaker 8: So I open up a checking account that comes along
Speaker 8: with this product, the All in one, because that's how
Speaker 8: you access the money basically that line of credit correct
Speaker 8: and then you have a checking account that offsets it.
Speaker 6: If there's money out.
Speaker 8: If I had a business, like I'm saying now, could
Speaker 8: I have my business account there, would I have to
Speaker 8: sweep from that account into the account attached to the
Speaker 8: all in one.
Speaker 9: Yeah, so our account it doesn't we don't do it
Speaker 9: on commercial, but it has an automatic sweep, which is
Speaker 9: really what makes it work good. Yeah, it's so easy
Speaker 9: to use. You can do ach transfers with your business account. Oh,
Speaker 9: so when you go to pay your businesses for tax purposes,
Speaker 9: you just put the money back in there pay out
Speaker 9: the checks so that stays on the on the business side.
Speaker 9: But it's so easy to go in and transfer.
Speaker 8: And the part it's really crazy we're talking about it,
Speaker 8: but we call it. You know, it's somewhat a liquid loan.
Speaker 8: But it's a thirty year line of credit. I mean,
Speaker 8: there's no other I don't know of any other product.
Speaker 8: Didn't you tell me it started like in New Zealand
Speaker 8: or Australia.
Speaker 9: Yeah, Australia, Australia McQuary. But it's true thirty year line
Speaker 9: of credit.
Speaker 6: Yeah, true, thirty your line.
Speaker 8: So let's just say it's a million dollar house, you
Speaker 8: have a basically what do you have to be?
Speaker 9: They say, we'll go eight hundred thousand, so.
Speaker 8: Hundred thousand dollars line of credit that you can feed
Speaker 8: from all you want. Yeah, and it actually eats itself,
Speaker 8: meaning let's say you get laid off for fours and
Speaker 8: you can't make the payment, but you still have money
Speaker 8: in there. It'll literally pay itself.
Speaker 9: You never actually have to make a mortgage payment. That
Speaker 9: it's doing. I say, it's the last loan you'll ever
Speaker 9: need as long as you're in that house.
Speaker 8: And here's the other thing, though, I think it would
Speaker 8: be perfect for a lot of people that can't qualify
Speaker 8: for it. And here's what I mean, I think it's better. Well,
Speaker 8: you guys do a ton of reverse mortgages, but I
Speaker 8: guess if you're not at sixty five, then the reverse,
Speaker 8: what is it fifty nine and a half.
Speaker 9: So now we actually some Colorado, we can go down
Speaker 9: to fifty five sixty Tuesday.
Speaker 6: First mortgage verse.
Speaker 8: Yeah, I guess the benefit. Well, okay, what's the difference? Still,
Speaker 8: I'll get you in a second. I cannot believe what
Speaker 8: I'm reading. I cannot believe I'm reading another issue with
Speaker 8: renewal by Anderson. Go ahead.
Speaker 9: We used to call it like the reverse before you
Speaker 9: qualify for a reverse, because, like you said, it almost
Speaker 9: works like I've had clients where they've been in the
Speaker 9: loan for three years, they lost a job. Well, you know,
Speaker 9: a regular loan will say you can't make the payment.
Speaker 9: I don't care, you know, gang the star four click
Speaker 9: the money you've built up, you make that payment for it.
Speaker 8: Basically, let's just say you do it, and you you
Speaker 8: could live there literally forever and not It is just
Speaker 8: like re excuse me, a reverse mortgage.
Speaker 9: It is as long as you have that equity built up.
Speaker 7: Yeah.
Speaker 8: Yeah, In fact, it's better than a reverse for some
Speaker 8: people because you can tap eighty percent on a reverse.
Speaker 8: You're going to be lucky to tap fifty percent.
Speaker 9: It's just the qualifying is different. Obviously, that's where.
Speaker 8: It gets weird because you got to have that cash flow.
Speaker 8: But a lot of people will qualify because it's not
Speaker 8: just cash flow or income based. They also look at
Speaker 8: retirement accounts, other properties.
Speaker 6: I mean, it's asset based.
Speaker 9: But we can combine. We can do either asset or
Speaker 9: income or both. We use income plus assets, so.
Speaker 6: You can do it anyway.
Speaker 9: Qualify it.
Speaker 6: Well, that's pretty cool.
Speaker 9: Actually it does help. It helps a lot.
Speaker 8: You can have three you said.
Speaker 9: Yeah for one person, but you really want to make
Speaker 9: it your primary checking account. So when you get to
Speaker 9: do the second or third is because you want to
Speaker 9: open up equity on.
Speaker 8: Investment properties and then on an investment property though Barry, really,
Speaker 8: depending on the cash circumstance for the person, it might
Speaker 8: be better to do a thirty year. You might want
Speaker 8: the lowest possible payment while you're renting it out.
Speaker 16: Maybe, But we have a lot of people Mark who
Speaker 16: are on a five, eight and ten year plan for retirement. Yeah,
Speaker 16: so that then we're turning the make a lot of
Speaker 16: money with equity, continuing the equity but in the fourth, fifth,
Speaker 16: sixth year buying properties all cash so that they'll have
Speaker 16: it their entirement time. And then I go with the
Speaker 16: all in one loan because we'll help people get that
Speaker 16: thirty year quote competitive mortgage. Well, if they have it,
Speaker 16: we'll have that paid off in eight, ten or twelve
Speaker 16: years with the all in one loan.
Speaker 9: And then also, like you, they can make cash offers
Speaker 9: and get better deals on properties sometimes.
Speaker 8: Take on the exactly if you think of the all
Speaker 8: in one and what John's saying there is like when
Speaker 8: Susanna and I go look for property somewhere. We've been
Speaker 8: looking in slide Dell, We've been looking in Florida. Because
Speaker 8: of the line of credit, I simply go to CMG
Speaker 8: and say, hey, I'm gonna make a cash offer on
Speaker 8: this house for a million bucks.
Speaker 6: I need a bank letter.
Speaker 8: So instead of having to go deal with getting finance
Speaker 8: and stuff, CMG basically says, yeah, he can write you
Speaker 8: a check for a million or whatever the amount is. So,
Speaker 8: I mean, it is pretty cool. It is like shopping
Speaker 8: with cash, even if it is a line of credit.
Speaker 8: It's literally cash. And when I say this, there's no scrutiny.
Speaker 8: They don't care. It is my money. I'm to go
Speaker 8: to Vegas right now, and you know, write MGM a
Speaker 8: check for a million dollars in cash. It you could,
Speaker 8: I mean, seriously, it is your money money. It's pretty remarkable.
Speaker 8: I do Stella. I promise I'm gonna come back to you.
Speaker 8: I just can't believe that there's another issue with Renewal
Speaker 8: by Anderson.
Speaker 6: For so many years, we had almost no calls.
Speaker 8: Ever in the past six weeks to eight weeks. This
Speaker 8: will be the third hold on.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com.
Speaker 3: You don't pay a cent until you're content.
Speaker 5: Three time for an insurance check up free no obligation
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three,
Speaker 5: seven to seven to one help. You'll think you're his
Speaker 5: only customer when you choose Frank durand the real estate
Speaker 5: Man dot com to list your home with Remax Alliance
Speaker 5: three oh three nine two zero sixteen twenty two.
Speaker 8: All right, three oh three seven one, three eight.
Speaker 6: Two five five, we got some lines open.
Speaker 8: I'm gonna go to Stella with an issue with Renewal
Speaker 8: by Anderson, and this hour, by the way, is brought
Speaker 8: to you by Paul the Waterman, the best for less.
Speaker 8: Susanna and I got a system from them a couple
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Speaker 8: at waterpros dot net. We've been talking to Paul forever
Speaker 8: about these waterpros dot net. Now Stella, What is going
Speaker 8: on with renewal by Anderson.
Speaker 21: Well, good afternoon, it's good to hear your voice. I
Speaker 21: might clarify renewe by Anderson. They are doing business in
Speaker 21: the state of Colorado called Window Warmth LLC. So I
Speaker 21: just wanted to bring that out, but I didn't realize
Speaker 21: what their reputation was. So back in February, we had
Speaker 21: a guy come out give us a sales pitch because
Speaker 21: we needed new windows. We liked the kid put down
Speaker 21: some money for the windows. Big mistake maybe anyway, So
Speaker 21: they just came out on Thursday to do the installation.
Speaker 21: The crew of installators seemed to be competent, but they
Speaker 21: miss measured the windows and the gaps on the whole window.
Speaker 8: Wait a minute, wait, wait, Marstella, are you saying, not
Speaker 8: only it's evident if there's a gap, they mismeasured it,
Speaker 8: but why would they install it if they get there
Speaker 8: and it's mismeasured. You're saying they still attempted or still
Speaker 8: did install it.
Speaker 21: Yes, and I left them alone because my husband was
Speaker 21: at work, and he came home and we went out
Speaker 21: to see how things are going. Noticed the gap and
Speaker 21: the installers. I don't know where they're from, but not locally.
Speaker 21: I don't think. He said that this is their setup.
Speaker 20: They order windows for people.
Speaker 21: They have to make them work. They put them in,
Speaker 21: no matter how hodgepodge they are. And he goes, most
Speaker 21: consumers don't pay attention.
Speaker 2: Like we do.
Speaker 21: He goes, we put them in, fill them with foam.
Speaker 21: That's just how this company works. They got to put
Speaker 21: them in, no matter what.
Speaker 8: How does it look? I mean if you sent me pictures,
Speaker 8: I mean what I have to really zoom in to
Speaker 8: see that.
Speaker 20: There's no not at all.
Speaker 8: No, do you have any pictures of it?
Speaker 21: Yes, sir, I took tons of pictures I took before
Speaker 21: they started the install the install and what do they.
Speaker 8: Say now when you call up and go, hey, this
Speaker 8: looks horrible.
Speaker 6: You know what?
Speaker 21: The supposedly the supervisor of the installers came out. Well anyway,
Speaker 21: let me back up.
Speaker 20: So the ninety four my husband called him.
Speaker 21: They got into a He was so caustic towards my husband, who,
Speaker 21: by the way, is used to dealing with people like
Speaker 21: this being in the military. The guy was so caustic,
Speaker 21: wanted to blame everything but the major. Then he set
Speaker 21: up a time he came out yesterday.
Speaker 8: Well wait a minute, wait a minute, stella. What else
Speaker 8: what he blamed besides the measurement? Is he alluding to
Speaker 8: the fact you guys did something wrong?
Speaker 21: He says, our windows are out of square, okay, and
Speaker 21: I I'll send you the pictures. I'm happy to because
Speaker 21: you would be shocked.
Speaker 6: Yeah, I want to see him.
Speaker 8: In fact, let me let me put you on hold,
Speaker 8: just because where I'm at in the show get those
Speaker 8: over to help at troubleshooter dot com. Kelly's gonna pick
Speaker 8: up and tell you how to get him to him. Kelly,
Speaker 8: send them to me, and send them to Nick Gravina
Speaker 8: as well. I want to get his take on at
Speaker 8: three oh three. I can't believe. And this is the
Speaker 8: same thing, isn't it.
Speaker 10: D Yeah, you know the gentleman who called a week
Speaker 10: or two ago with a seventy thousand dollars project by renewal.
Speaker 6: By seven windows.
Speaker 9: It was not measured.
Speaker 10: Yeah, And I'm just wondering how how does somebody go
Speaker 10: about mismeasuring a window and.
Speaker 6: Then then they blame the hole.
Speaker 8: I mean apparently the window that was in there before
Speaker 8: look good. Yeah, and now all of a sudden, it's
Speaker 8: the problem with with the hole or the house.
Speaker 6: Which seems curtain.
Speaker 10: When you measure the hole, you know, you just go
Speaker 10: X by y in inches or centimeters, right, depending on
Speaker 10: which system and my theory, maybe they're using the metric
Speaker 10: system when they should be using the American one.
Speaker 9: I don't know, but it's possible. You think, you know,
Speaker 9: you only have one thing to do, right, Yeah, we
Speaker 9: had one job. Yeah, measure X and measure y and
Speaker 9: put it down on paper.
Speaker 14: Doc.
Speaker 11: Did she paid by credit card so she can put
Speaker 11: a hold on it and.
Speaker 8: Dispute the charge. I would assume it's seventy grand plus.
Speaker 8: I doubt they take a credit card, but we'll ask
Speaker 8: her hold tight.
Speaker 5: Go with a sure thing Denver's Best Room for excel
Speaker 5: roofing dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out Now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 8: Okay, listen. I have seen bad window installations over the years.
Speaker 8: We have seen plenty of pictures, but what I am
Speaker 8: looking at right now is absolutely possibly the worst installation
Speaker 8: I have ever seen of windows.
Speaker 6: It's crazy.
Speaker 8: There is gaps that aren't just gaps. They're like maybe
Speaker 8: an inch to an inch and a half. There's play
Speaker 8: is where they have so much foam. If the foam
Speaker 8: wasn't there. There could easily be four or five inches
Speaker 8: of gaps on these renewal by Anderson windows. This is
Speaker 8: so unacceptable. I'm dying to know what they're even thinking about.
Speaker 8: Where does it stand, Stella? Are they refusing? Well, I mean,
Speaker 8: there's no way you can tell me that this is
Speaker 8: acceptable or they find it acceptable.
Speaker 20: Well.
Speaker 21: Yes, the supervisor who came out, who was a bully,
Speaker 21: told me that they were installed properly, that my windows
Speaker 21: were out of square, and he was shaking his tape
Speaker 21: measure at me, and I said, that's on your majure
Speaker 21: for not catching that.
Speaker 20: And I said, plus, my windows aren't out of square.
Speaker 8: Because I don't even know why that would be that
Speaker 8: big of a deal. I mean, they would be able
Speaker 8: to square them up when they're installing the new ones,
Speaker 8: I would assume. But here's what's getting me. And please
Speaker 8: don't don't be at the pictures you sent. That is
Speaker 8: how those windows sit right now. They haven't done anything
Speaker 8: since then. If I went out and looked at it
Speaker 8: right now, it looks like that.
Speaker 20: It does not.
Speaker 21: And I'll tell you why, okay, Because this supervisor named Jesse,
Speaker 21: they came on Thursday. They left them open overnight, like
Speaker 21: I just sent you pictures, and then Friday they came
Speaker 21: out and the guy said, we are supposed to fell
Speaker 21: them in because we're going to get bad weather. And
Speaker 21: I said, if you fill them in, that does not
Speaker 21: mean I'm accepting them. I want them replaced because they
Speaker 21: are not sitting properly. He goes, no, we want to
Speaker 21: make sure you don't have damage from rain or snow.
Speaker 21: And I said, well, well, I don't.
Speaker 8: Think that's a bad I don't think that's bad. But
Speaker 8: hold on a second here, Hey, Nick, I am right
Speaker 8: up against the time.
Speaker 6: This is Nick Ravina. Did you get those pictures?
Speaker 19: Yes, I'm looking at them right now.
Speaker 8: What the hell I mean is that even close? Some
Speaker 8: of those gaps I see like I could put my
Speaker 8: hand outside. Is is there any way to take a
Speaker 8: window with those kind of gaps and properly install them.
Speaker 8: I've got to put you on hold, though, Nick, I
Speaker 8: mean we can call you back after the break. Stella
Speaker 8: hole tight. Mike's got a question on small claims three
Speaker 8: oh three seven one three eight two five five, Yet
Speaker 8: another issue with renewal by Anderson.
Speaker 5: Go with a sure thing Denver's best Roofer excel roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two Ripped off News.
Speaker 1: Don't come run in just.
Speaker 8: As as we can.
Speaker 1: Shooter's gonna help.
Speaker 4: Come Dix is the Troubleshooter Show. No Tom Martine, Welcome.
Speaker 8: My friends to the only show of It's kay. We
Speaker 8: are here to solve problems, answer questions, take complaints. You know,
Speaker 8: we have a YouTube channel, and I just decided something.
Speaker 8: I don't care what I have to do. If I
Speaker 8: got to literally just take back control of the video.
Speaker 8: I gotta be able to post pictures, and right now
Speaker 8: I cannot post pictures. I want the entire world to
Speaker 8: see how bad this installation job is. But now I'm
Speaker 8: gonna go to one of our experts in windows Gravina
Speaker 8: Nick Gravina and Nick, I think you got to look
Speaker 8: at him by now?
Speaker 6: Am I missing something?
Speaker 8: Or would you would any installer like literally leave that job.
Speaker 8: I mean, please tell me what you make of it.
Speaker 8: I've never seen anything so crazy.
Speaker 19: I mean, I definitely think they're short. You know, measuring
Speaker 19: trapezoids and stuff like that can be tricky. The outside
Speaker 19: is pretty deceiving. I'd like to know a little bit
Speaker 19: more about what was in there. I'd assume maybe some
Speaker 19: brickmall maybe, but yeah, they a lot of them look,
Speaker 19: you know, shorter than.
Speaker 8: You know, just you know, it looks like if some
Speaker 8: of them look like they're possibly four or five inches short, right, Yeah,
Speaker 8: I mean is there any way to install that or
Speaker 8: do you got to reorder at that point? I mean,
Speaker 8: is there any way that renewal can salvage this?
Speaker 19: I mean, they could trim them. I still think that
Speaker 19: they're short. I mean, any window can be trimmed, you know,
Speaker 19: but how ugly does it look at the end of
Speaker 19: the day, you know, and they really got kind of
Speaker 19: shorted by, you know, quite a few inches on some
Speaker 19: of them. You know, I'd be more than happy to
Speaker 19: go out there and take a look too, because I
Speaker 19: do think, you know, they should be tighter than what
Speaker 19: they show on these pictures.
Speaker 8: Hey, where are you located? Where's this house? Stella?
Speaker 21: I'm in Peyton, Colorado for the life, kind of east
Speaker 21: of Colorado Springs.
Speaker 6: Yeah, that's pretty far, Nick, that's insanely far.
Speaker 19: I know, the last three of them have been kind
Speaker 19: of out everywhere.
Speaker 14: Kind of out.
Speaker 8: Yeah, they never say they never say the Tech Center,
Speaker 8: do they? Or Lakewood? Yeah, it looks like, yeah, we're
Speaker 8: in Durango. Oh gosh, yeah that's no.
Speaker 6: No, we're not in Tarango.
Speaker 8: Nick. I mean that's up to you. Do you got
Speaker 8: anybody you'd want to send out there? I mean, that
Speaker 8: is a very far deal. It's just that's that's completely
Speaker 8: up to you many Stella, Hold on, go ahead ask her, Nick,
Speaker 8: do you have.
Speaker 19: Any pictures of what existed originally?
Speaker 21: Yes, windows that were put in when we built that
Speaker 21: sun room, and they were tight. I do have a
Speaker 21: video that I took the night before, and I can
Speaker 21: tell you there was no huge gaps like what Anderson's
Speaker 21: Croup created.
Speaker 19: What material was the original ones that they tore out?
Speaker 21: Well, I don't know if I can tell you truthfully,
Speaker 21: kind of a metal black on the outside with a screen, okay,
Speaker 21: and they were side and they were side windows.
Speaker 8: But you have pictures of that, right, Stella.
Speaker 21: I do have a video of how it looked before
Speaker 21: they took the windows out.
Speaker 8: Okay, yea.
Speaker 19: I would like to see what was in there to
Speaker 19: help me because on the outside, you know, it could
Speaker 19: have had some brick mold, which makes out look you know,
Speaker 19: worse than it really is. But you know, it's kind
Speaker 19: of nice to have all the information. But I do
Speaker 19: think they definitely made some of them very very short.
Speaker 8: Well, I'm looking at one here, there's foam next to it.
Speaker 8: If you take the foam out, i'd say it's a
Speaker 8: three to four inch gap up against the stucco or
Speaker 8: whatever that is.
Speaker 14: Yes, Ray brick.
Speaker 19: Bold usually takes some about two inches of that.
Speaker 6: Did you have brick?
Speaker 21: No, we had some sort of cheap sighting and we
Speaker 21: decided to stucco our house. So those the pre existing
Speaker 21: windows were in when we stuccoed the house, and so
Speaker 21: they put those blocks kind of around the windows to
Speaker 21: just make it look fancier.
Speaker 8: I guess really the question the question for me, and
Speaker 8: we'll get you that video if Stella can figure out
Speaker 8: how to get to me through maybe Gmail or a
Speaker 8: link or a drive link or something, or a drop box.
Speaker 8: But I'll get that over to you, Nick. But really
Speaker 8: the question is they're basically blaming the windows or not.
Speaker 8: I'm sorry, they're actually blaming the whole or the framing.
Speaker 8: What exactly did they tell you, Stella?
Speaker 21: Well, the supervisor of the installer came out with his
Speaker 21: tape major and tried to tell me that because the
Speaker 21: top windows were a little different, there was no way
Speaker 21: they were ever going to fit good. And then he
Speaker 21: tried to tell me that the window was out of
Speaker 21: square and they would never fit properly. So everything was
Speaker 21: the house's fault and not their.
Speaker 8: Nick, I'm just I'm just curious industry standard. Let's just
Speaker 8: talk about that right now. If you came out is
Speaker 8: his industry standard. I understand there's things they can do
Speaker 8: to fix the job without reordering or not. I mean,
Speaker 8: I don't know, That's what I'm asking you. Where would
Speaker 8: you guys stand on this at this point?
Speaker 19: I mean I'd probably be too happy with my measure
Speaker 19: tech at this point. Again, we would have, you know,
Speaker 19: probably tried to address the things that they said after
Speaker 19: the fact. If we thought that they were completely goofy. Yeah,
Speaker 19: you know, we would have brought that up at the
Speaker 19: measure and saying, hey, these are these are squarely. We're
Speaker 19: going to do our best to get these.
Speaker 8: You know, the line up you start prepping.
Speaker 19: We try to measure for We try to measure for square.
Speaker 19: Most windows are out of square. But how extreme you know,
Speaker 19: I'd say anything you know, probably bigger than a half
Speaker 19: inch probably should be addressed.
Speaker 6: Yeah, I mean how much is over a half inch there?
Speaker 8: Stella? I mean how many windows? Everyone?
Speaker 21: Well, we had three, we had all the recount is.
Speaker 8: Really your problem that those top two ones, the triangular ones,
Speaker 8: is that your main problem?
Speaker 2: No, it's all of them.
Speaker 21: It's all of them that they stuck with foam and
Speaker 21: foam the cinebrates, because I mean, there's so much staing
Speaker 21: foam in there.
Speaker 8: How would you if you had no choice but to
Speaker 8: fix those, nick, how would you actually fix those gaps?
Speaker 8: You would foam and then possibly put like a like
Speaker 8: a border around made of another material to hide the
Speaker 8: gap to make it all look even or what what
Speaker 8: is fix if they refuse to redo them?
Speaker 19: I mean, you know, I think they use a lot
Speaker 19: of trim coil, which we use a lot of trim
Speaker 19: coil as well. I mean that's kind of an industry thing,
Speaker 19: so you can kind of bend at whatever you need.
Speaker 19: It's out of aluminum now using matches. The window got
Speaker 19: it so on the outside, I'm sure they would finish
Speaker 19: it with an aluminum trim coil, and I would do
Speaker 19: the same thing again. I'd probably like them to be
Speaker 19: a little bit bigger. But and then the inside they
Speaker 19: probably have some type of a flat stock they can
Speaker 19: use as a frame expander.
Speaker 8: So they should be able to make these look acceptable
Speaker 8: and efficient, right, Yeah.
Speaker 19: I don't think the efficiency. I don't think they're doing
Speaker 19: anything with the efficiency. If they insulate them and they
Speaker 19: trim and cock them in and out, I don't think
Speaker 19: the efficiency is any different depending on the size. I
Speaker 19: think it's just more of the aesthetic at the end
Speaker 19: of the day.
Speaker 8: Hey, Stella, if they can make them look good, I mean,
Speaker 8: this is our window expert. He's saying, you know, you
Speaker 8: should probably allow them to do that. But let me
Speaker 8: ask you something. Where are you in payment? Did you
Speaker 8: pay for them? Are you financing them? Where are we?
Speaker 2: No?
Speaker 21: No, we we gave them fourteen thousand dollars down and
Speaker 21: owe them twenty eight thousand dollars.
Speaker 6: And they're trying to collect that before they finish or.
Speaker 20: Were they They did, yes, sir.
Speaker 21: The guy, the installer told me that he needed a check,
Speaker 21: and I said, there's no way because we're still waiting
Speaker 21: on a French door to be installed, which by the way,
Speaker 21: is the wrong door. But the guy tried to tell
Speaker 21: me they.
Speaker 20: Were going to put it in anyway, and.
Speaker 21: They the finishing wood that they brought out for the
Speaker 21: inside is not even wide enough to fill.
Speaker 20: The gaps, so we may have to just hire.
Speaker 21: A finishing carpenter to do that. So they didn't put
Speaker 21: our friendship.
Speaker 8: How did they get How did you did you write
Speaker 8: them the twenty eight thousand dollars check?
Speaker 21: Oh no, no, I've only we gave them the deposit
Speaker 21: when they were here.
Speaker 6: That's all you paid is fourteen thousand.
Speaker 20: Yes.
Speaker 6: Are they threatening to come after you?
Speaker 2: Now?
Speaker 8: What are they?
Speaker 6: What are what are they saying? Or they're not even
Speaker 6: been talking.
Speaker 8: About that yet?
Speaker 21: No, I can't get them. I got on the Secretary
Speaker 21: of State's website to figure out where this window warms
Speaker 21: place was and who owned it. I got hold of
Speaker 21: the right office and their supervisor was supposed to call
Speaker 21: me back today and I haven't heard anything.
Speaker 8: Hey, Nick, that's a whole separate thing. I don't know
Speaker 8: if you know this or not, but when I look
Speaker 8: up Window Warmths, it basically says a DBA is Anderson.
Speaker 6: Anderson.
Speaker 8: I mean is that I don't even know how their
Speaker 8: model works. Are they is renewal the manufacturers and everybody else?
Speaker 8: All the installers are like local installed people around the
Speaker 8: country because when I watch I've seen their infomercials, like
Speaker 8: on Saturday morning, and I always thought their main thing was,
Speaker 8: you know, you're dealing with the same people you're dealing
Speaker 8: with the manufacturer, they're also the installers or everything. I
Speaker 8: don't understand their business model. Do you know anything about it?
Speaker 19: I mean, I think you know they're fairly correct and
Speaker 19: that what I you know, Anderson renewaled by Anderson does
Speaker 19: make the windows. I mean it's an Anderson window for sure,
Speaker 19: got it? Everything I understand? You know they are they
Speaker 19: are kind of independently owned across states. Okay, so it's
Speaker 19: kind of like a franchise.
Speaker 8: Yeah, this one says Window Warmths LLC DBA Renewal by Anderson,
Speaker 8: Denver and Colorado Springs. So I assume whoever owns that
Speaker 8: owns that territory, and that's you know, that is Anderson's
Speaker 8: local dealer for Colorado Springs and Denver, right.
Speaker 19: And I think that's the same one we've dealt with
Speaker 19: before as well.
Speaker 8: What do you think it wants you? I don't want
Speaker 8: you to like. I'm just so curious when I have
Speaker 8: a company that I have not heard any issues from
Speaker 8: forever that now all of a sudden, everybody that calls
Speaker 8: me on Anderson. I wonder if someone sold that franchise.
Speaker 8: I wonder if there's a new ownership. In my opinion,
Speaker 8: these guys really something changed. I don't know what changed
Speaker 8: with the exception. Now all I get is complaints on
Speaker 8: these guys. It's phenomenal. Actually, we just never had a
Speaker 8: complaint on them for years and years. It's like Champion Windows.
Speaker 8: For years and years and years, we never had a complaint.
Speaker 8: And if we did get a complaint, and it did
Speaker 8: happen occasionally, I guess maybe once a year we would
Speaker 8: contact the right person and it would be handled every time.
Speaker 8: I mean, and I'll tell you what happened. In my opinion,
Speaker 8: they went to hell. Champion went to total hell. They
Speaker 8: sold and there's a new way of looking at that company.
Speaker 8: I don't even think they build the windows in Colorado anymore,
Speaker 8: but they went to hell.
Speaker 6: In my opinion, they're horrible.
Speaker 8: Although I will say this, they seem to be getting
Speaker 8: a little better because the complaints have slowed down, but
Speaker 8: now all of a sudden, it's renewal. I just don't
Speaker 8: get it. I'm going to get you that video. What
Speaker 8: would you Where would you go from here?
Speaker 9: Nick?
Speaker 8: I mean, let's pretend you're Stella and you haven't paid
Speaker 8: the other twenty eight thousand. It looks the way it
Speaker 8: looks you're looking at it, and the door came in
Speaker 8: the wrong size. My god, I mean, Stella, my gut
Speaker 8: says you got to give them an opportunity to finish
Speaker 8: the job. The one good thing I will say is
Speaker 8: Nick made me feel better that even though they're this short,
Speaker 8: they should still be able to make it look like
Speaker 8: a good, clean install if they do it properly.
Speaker 19: Right, Nick, Yeah, again, I think it's making them work,
Speaker 19: So you know I would.
Speaker 2: I still don't mind.
Speaker 14: Going down there.
Speaker 19: I would love to see what was coming out.
Speaker 14: I really don't like some.
Speaker 19: Of these, like the flashing seems like it's not tapping correctly.
Speaker 8: I'd love it if you went down. I'll just leave
Speaker 8: it at that. I'd absolutely love it.
Speaker 19: Yeah, and then I can maybe talk to her Stella.
Speaker 8: Are you there all the time or what? Is that
Speaker 8: your primary residence?
Speaker 21: Yes, it's primary residence, and so yes, I would love
Speaker 21: to have you come down. And I'm not going to
Speaker 21: have them do any work until you well, they won't
Speaker 21: even call me back.
Speaker 5: Well.
Speaker 8: The one thing, the one thing I somewhat disagree on
Speaker 8: you with those gaps right there, I mean, if it rains,
Speaker 8: I mean, you can get some damage going. And if
Speaker 8: they offered to come down and seal it up, whether
Speaker 8: it did temporarily or not.
Speaker 9: It sounds like they did in anticipation of bad weather.
Speaker 10: They kind of covered up the big gaps, didn't they Still,
Speaker 10: so the big gaps are covered up.
Speaker 21: And I sent you a picture, and I sent you
Speaker 21: a picture. I just went out and took another picture
Speaker 21: of what the outside now looks like. They send that
Speaker 21: to me inside how it looks.
Speaker 19: I'd try to. I would have them try to finish
Speaker 19: one window that you think is the worst, and so
Speaker 19: then we can you know, you can have the visual
Speaker 19: of what it would look like.
Speaker 8: When do you think you can get down there, Nick?
Speaker 2: Uh?
Speaker 19: Probably later this week.
Speaker 8: That's awesome, Stella, hold on, let me put you both
Speaker 8: on hold. By the way, that's Nick Ravena.
Speaker 2: Uh.
Speaker 8: He's running the ship down there from his dad, Larry.
Speaker 8: I think Larry moved to Florida. Nick's running in and out.
Speaker 8: It's a family trusted name and windows and siding indoors
Speaker 8: forever in Colorado. They've been on a refer list for
Speaker 8: a long time and I appreciate Nick going down there.
Speaker 8: You can check him out to it Gravina Windows dot com.
Speaker 8: Here's what I really love about him when I say
Speaker 8: it in his commercials all the time. Most window companies
Speaker 8: like this one, renewal by Anderson, they have one window
Speaker 8: they're trying to sell.
Speaker 6: That's what they sell. That's it.
Speaker 8: They're the manufacturer and they're they're franchisees. That's all they
Speaker 8: can sell, from my understanding. But Nick, Gravina has twenty
Speaker 8: different lines of windows. Twenty different no, I'm sorry, twenty
Speaker 8: different manufacturers with two.
Speaker 6: Hundred lines of windows.
Speaker 8: So whether it's a fix and flip or a ten
Speaker 8: million dollar house in Veil They've got everything you possibly need.
Speaker 8: Gravina Windows dot com. Kelly, make sure Nick gets Stella's
Speaker 8: number to reach out and Nick, I am looking really
Speaker 8: forward to your assessment in the day's coming.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank Durand the real estate man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine to zero sixteen twenty two.
Speaker 8: Coy, I really would like to know if something is changed,
Speaker 8: if you're in that industry, and you know if renewal
Speaker 8: by Anderson or what was the other name for him,
Speaker 8: a window warmth, have they changed owners? What has happened?
Speaker 8: How do you go from zero complaints for years to
Speaker 8: three and six or eight weeks and it seems to
Speaker 8: be sizing issues and then just the wrong windows, the
Speaker 8: wrong We had a passive solar house that they literally
Speaker 8: put the worst windows you could ever imagine on it,
Speaker 8: that are horrible for a passive solar house. It's just nuts.
Speaker 8: But it seems to be every week now. I would
Speaker 8: love to know what's going on. If you know, help
Speaker 8: at troubleshooter dot com. Help at troubleshooter dot com and
Speaker 8: you could remain anonymous, but let us know something's going
Speaker 8: on here. Thank goodness for Nick Gravina. He's going to
Speaker 8: go out and look at it and get back with
Speaker 8: some real information. It's just, uh, it really is bonkers. Mike,
Speaker 8: what's your question on small claims?
Speaker 14: Yeah? Mark you there? Yeah?
Speaker 6: Man, what's your question?
Speaker 14: Hey? What's the Is there a time limit? I have
Speaker 14: an issue with a company. It was we had some
Speaker 14: work done and they didn't finish back in May of
Speaker 14: twenty two.
Speaker 8: Oh my god, twenty the limit of Yeah, wow, I
Speaker 8: think would still be good under Is it three years?
Speaker 8: Is it past three years?
Speaker 14: May of twenty two? So yeah, the end of this
Speaker 14: May would be three years old.
Speaker 8: Line, man, you're making me ask, you're making me ask
Speaker 8: ai here, I think it's three years, but I want
Speaker 8: to verify that. But while I'm looking that up, let
Speaker 8: me ask you this what what didn't they finish?
Speaker 6: And why'd you wait three years?
Speaker 14: So I had I was going to do my rear
Speaker 14: patio doing that polyaspartic by uh, it wasn't Garage Kings.
Speaker 8: It was somebody else magic.
Speaker 9: Yep.
Speaker 8: Is that the contractor?
Speaker 14: By the way, that Garage Magic was the contract.
Speaker 8: Yeah, I think they went out of business. Didn't they
Speaker 8: stick up? They stuck at a.
Speaker 14: Table yep, paid them half down. They came out, put
Speaker 14: the wrong sized product down. I wanted one inch flake
Speaker 14: instead of quarter inch flake. Yeah, came out, did that
Speaker 14: first layer. They went to launch. My wife sent me pictures.
Speaker 14: Yeah that's the wrong place.
Speaker 8: Yeah, you're you're, you're good. It's four years actually wait wait, wait,
Speaker 8: wait a breach of contract. Four years for written contracts
Speaker 8: and two years for verbal contracts. So it sounds like
Speaker 8: you're fine if you have a written contract. But I'm
Speaker 8: a little curious here. If they're out of business, I
Speaker 8: thought they went bankrupt.
Speaker 14: That's that's the issue.
Speaker 8: Well, if they went bankrupt too.
Speaker 14: Credit card statement onlike credit card statement it's Garage Kings.
Speaker 8: Well they had a garage, So Garage Kings is like
Speaker 8: a franchise like McDonald's. So basically there was someone that
Speaker 8: owned it and then they sold it to somebody else.
Speaker 8: And at one point the guy on Elite garage stores
Speaker 8: who's on a referral list, he actually owned Garage Kings
Speaker 8: and he bought it or picked up that franchise from
Speaker 8: the guy that basically went bankrupt, the guy you're talking about.
Speaker 8: So it still doesn't matter. Garage Magic is out of business.
Speaker 8: I don't even know who you would sue.
Speaker 14: Yeah, and I there is an on our credit card statement.
Speaker 14: There's a nine to seven zero number that I called
Speaker 14: about a year ago. Yeah, talked to some guy named John.
Speaker 14: He's in Florida.
Speaker 6: Yeah, what did he say?
Speaker 14: By the way he goes, Oh, yeah, I know Tom.
Speaker 14: I've talked to Tom a one hundred times. Like, okay,
Speaker 14: I'm sure.
Speaker 8: You did, but well he probably did, because there was
Speaker 8: a certain point I was getting Garage Magic complaints like
Speaker 8: every damn every week. Man, it was exactly what you said.
Speaker 8: And see, this is why I'm gonna say this again.
Speaker 8: I don't care if they're on a referral list or not.
Speaker 8: There's one thing I am gonna say, unless if it's custom,
Speaker 8: don't pay anything up front. This guy with garage Magic
Speaker 8: was taken like fifty percent down and he basically didn't
Speaker 8: finish jobs. He took the money and went bankrupt. I mean,
Speaker 8: it is what it is. That's what happened. I'm sure
Speaker 8: he went out of business. I don't think like he
Speaker 8: tempted or you know, I don't think he was like.
Speaker 8: I don't think he set up it like a scheme.
Speaker 8: I just don't think he knew how to run his
Speaker 8: business at all. And the freaking guy went bankrupt and
Speaker 8: stuck a bunch of people. But don't pay up front,
Speaker 8: I don't care what it is. Why it just curiosity?
Speaker 8: Why did you pay up front?
Speaker 14: That's just it. That's what That's what it was. Policy was.
Speaker 14: And yeah, you know, since I got them off off
Speaker 14: referral list, I'm like, all right, well, I know you
Speaker 14: guys say don't pay up front, but yeah.
Speaker 8: I know, I just don't pay up front? Did I
Speaker 8: simply don't. I simply don't. And I know some members
Speaker 8: of our referralists do it, and Grudge Magic is a
Speaker 8: perfect example.
Speaker 5: To be.
Speaker 8: Very straight up, I never liked him. I didn't understand
Speaker 8: why they were on there, but that at the time,
Speaker 8: I didn't say anything. But I didn't like him. I
Speaker 8: know that guy from another business that he did. I'm
Speaker 8: not gonna say like he was ripping people off, but
Speaker 8: I just don't like to get so that's that. But
Speaker 8: it's too late. It's too late, and they did go bankrupt.
Speaker 8: I don't think he was stealing money on purpose or anything.
Speaker 8: I just think the guy doesn't know how to run
Speaker 8: a company straight up, just has no clue.
Speaker 14: And that's and that's what I heard. That John guy
Speaker 14: said the same thing. He goes, Mike manager ran the
Speaker 14: business at the ground.
Speaker 10: Yeah, how much do you claim they still owe you?
Speaker 14: Well, they owe me two thirty eight dollars.
Speaker 9: Good.
Speaker 8: And you never had the job done, did you?
Speaker 9: It sounds like it was unfinished.
Speaker 14: I got. Yeah. They came down, they did the concrete straight,
Speaker 14: you know, standing down. Yeah, they put a first layer down,
Speaker 14: threw the flake down, went to lunch, came back. I said,
Speaker 14: well that's the wrong size flake. They said, they'll order
Speaker 14: the flake, come back and redo it, and then just
Speaker 14: timing wise. And then it got into you know, fall,
Speaker 14: and when it was too cold, so the following spring
Speaker 14: they were going to do it and timing again. And
Speaker 14: then in May they were out of business.
Speaker 8: Yeah, they they It sucks, man, I mean I'm to
Speaker 8: take in fifteen calls exactly what he's saying. They took
Speaker 8: half the money up now, some of it right before
Speaker 8: the end. I did get a bunch of people refunded
Speaker 8: their deposit, and the guy simply ran out of cash.
Speaker 8: I mean that's kind of first come, first serve, is
Speaker 8: how the refunds worked.
Speaker 9: Mike.
Speaker 10: Were you listed as a creditor in their bankruptcy filing?
Speaker 10: Do you remember getting all those letters from the US
Speaker 10: bankruptcy court.
Speaker 14: I don't think received something like that.
Speaker 8: I don't think anybody forced him into bankruptcy. I think
Speaker 8: they just shut down.
Speaker 9: Oh so it wasn't a bankruptcy. They just went out
Speaker 9: of business.
Speaker 8: They just went out of business. No one forced the
Speaker 8: factor created a lawsuit to where they actually had to file. So,
Speaker 8: I mean, no one. Everybody was like in his case,
Speaker 8: twenty five hundred bucks. It was all right around there.
Speaker 8: Although I wish that did happen. I really do wish
Speaker 8: that happened. But yeah, man, I'm sorry, there's not us Yeah,
Speaker 8: there's not much else I can tell you. Did you
Speaker 8: ever call TJ up and see if he would come
Speaker 8: out and cut you a hell of a deal getting
Speaker 8: it fixed. If you haven't done.
Speaker 14: It, you know, we haven't done it yet. There was
Speaker 14: a company that came out I think was maybe Rock
Speaker 14: Solid or Solid Rock nothing.
Speaker 8: I'm going to tell you the guy to use. Man,
Speaker 8: I'm going to tell you the guy to use.
Speaker 14: Take over there.
Speaker 6: Yeah, I don't care who it is.
Speaker 14: We're going to take over their stuff and get get
Speaker 14: payment from the old equipment or something.
Speaker 9: Yeah.
Speaker 14: Yeah, and but still charges like another four grand. It's like, well,
Speaker 14: the whole bill was only forty.
Speaker 8: Yes, so it makes no sense. Listen, I want you
Speaker 8: to call tj Up. I have known this guy personally
Speaker 8: and his wife for coming on ten years. He's an
Speaker 8: avid listener. He has done my patio, he has done
Speaker 8: my garage floor. And I'm going to tell you something.
Speaker 8: About four years after he did my patio, some cracks
Speaker 8: came out. He was at my house about a month
Speaker 8: ago and totally resanded and totally refinished, completely under warranty.
Speaker 8: And you will not pay him a nickel until he
Speaker 8: is done and you like the job. He doesn't ask
Speaker 8: for any money up front. He does a great job.
Speaker 8: I now know the product personally because I've used him twice.
Speaker 8: And the patio is kind of weird because it's out
Speaker 8: outside and we live in Franktown. But the thing is
Speaker 8: great in the weather. But seven two zero nine three
Speaker 8: nine two four four eight seven two zero nine three
Speaker 8: nine two four four eight And by the way, tell them,
Speaker 8: and I'm talking just to you, Mike, tell him, Uh, basically,
Speaker 8: you know you were part of that whole garage magic
Speaker 8: because he hated that guy. And see maybe he will
Speaker 8: hook you up at a discount price. Let me know
Speaker 8: how that goes, would you please?
Speaker 14: Cannight? Should I said it'd be worth it me doing
Speaker 14: small clans or not?
Speaker 8: No, it's no, there's nothing to go after.
Speaker 6: There's nothing to go out, there's nothing to go after.
Speaker 14: Well that sucks. It does suck, all right, man, all right, yeah,
Speaker 14: I'll get ahold TJ. Thanks Mark.
Speaker 8: Thanks man. Uh, let's take a quick break for dragon strangles.
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Speaker 8: Pay Jack Place CMG. Lenders reverse mortgages tru or false one.
Speaker 8: You can only charge so much. In other words, the
Speaker 8: federal government has stepped in and there's limits on how
Speaker 8: much someone can charge for reverse mortgage.
Speaker 9: True.
Speaker 8: Yes, And what is getting an idea of one of
Speaker 8: the limits?
Speaker 9: I mean, you know, if if your home value is
Speaker 9: above six hundred thousand, you know, the origination fee is
Speaker 9: basically like a maxis six thousand, So.
Speaker 8: You can't charge over six thousand on the origination on
Speaker 8: the origination. Now, let me ask you this. Can you
Speaker 8: charge less than six thousand?
Speaker 9: Yes? You can?
Speaker 8: Do you guys charge less in the maximum.
Speaker 9: A lot most times we do. People.
Speaker 6: Yeah, people don't realize that.
Speaker 8: They think it's they think if they shot for a
Speaker 8: reverse mortgage and they actually think this. There's a lot
Speaker 8: of people that think this about a thirty or fixed too.
Speaker 8: They think everybody's going to be the same, and it's
Speaker 8: simply not true.
Speaker 9: Not true, not close. Now everybody's same on the high end.
Speaker 9: But you know you can.
Speaker 8: Well the reverse mortgage, you can't go over six right, right,
Speaker 8: And that's what a lot of reverse mortgage people tell
Speaker 8: people is like, oh, we're all regulated. We can't charge
Speaker 8: you more. I know that, but they can charge less.
Speaker 9: Yes, the heckam the federal go they copy what you can,
Speaker 9: but you can always charge less.
Speaker 8: And what age for a reverse mortgage? Now, fifty four
Speaker 8: to fifty five?
Speaker 9: There's some products out there. You can go to fifty five.
Speaker 9: I mean, sixty two is still kind of the heckum
Speaker 9: the main product. But we backup. There's products we can
Speaker 9: go at fifty five. We can do a a second
Speaker 9: mortgage now on a reverse.
Speaker 8: Oh wait, so let's say wow, on a reverse. So
Speaker 8: if I was let's say locked in on my original
Speaker 8: thirty year and I and I had fifty percent plus
Speaker 8: of the home paid for, but it's a two or
Speaker 8: three percent mortgage rate and I don't want to get
Speaker 8: rid of it, I can do. I can put a
Speaker 8: reverse on this on a second.
Speaker 9: Yeah, we do. It's called the home safe second. As
Speaker 9: long as you have the equity in there, and a
Speaker 9: lot of people want to keep that. Like you said,
Speaker 9: they may be twenty years into it, so they're paying
Speaker 9: mostly presents.
Speaker 8: We'll get down off soon. Yeah, and then the only
Speaker 8: loan or the only loan remaining is going to be
Speaker 8: the reverse.
Speaker 9: And it's a great way for seniors to because you
Speaker 9: can pay off debt, you know, with you can get
Speaker 9: rid of rid of debt with is it always.
Speaker 8: From the youngest person in the home. Let's go back
Speaker 8: to the traditional sixty two and a half and let's
Speaker 8: say yours. Let's say the husband's seventy and the wife
Speaker 8: is fifty five.
Speaker 9: No, you can do them now, but they will. The
Speaker 9: calculations will lend you based on the.
Speaker 8: Fifty five age, but you qualify, but you can't qualify. Yes, okay,
Speaker 8: and I'm gonna get absurd here, but let's say the
Speaker 8: guy's eighty and the woman's twenty five.
Speaker 9: You could, but you'd basically, yeah, he'll you'd basically have
Speaker 9: to have a free and clear I mean you're gonna
Speaker 9: be gonna.
Speaker 8: Like credit million dollar Yes. In other words, it just
Speaker 8: wouldn't make sense, would make sense?
Speaker 7: Not verry.
Speaker 16: Can you have a first first reverse and a second reverse.
Speaker 9: No, I cannot do that because.
Speaker 8: Reverse is gonna own those.
Speaker 9: You can't do any kind of second on the first barry.
Speaker 8: You guys have uh, Tom might be there, he might not,
Speaker 8: But you guys have a.
Speaker 6: Zoom coming up, a webinar webinar.
Speaker 8: So anybody out there that's been listening about Vestera turnkey
Speaker 8: is that where they go to sign up?
Speaker 16: They go to My Biggest Return dot com dot com
Speaker 16: my Biggest Return doc and it's free. It's this Saturday,
Speaker 16: one hour in length.
Speaker 8: So you just log on, check it out and ask
Speaker 8: any question anywhere.
Speaker 16: Well, we take the questions afterwards because we pack information
Speaker 16: afterwards the questions. We stick around for two hours and
Speaker 16: we're answering questions.
Speaker 8: And what's the average people, let's say in the past.
Speaker 8: Let's just take I don't know what three years. What's
Speaker 8: the average rate of return for someone that started three
Speaker 8: years ago?
Speaker 16: Three years ago now, the average rate of return would
Speaker 16: be between forty six and fifty four percent.
Speaker 8: Tell me that's not incredible.
Speaker 9: It's a little.
Speaker 16: Lower now because of the higher interest rate. Still incredible,
Speaker 16: but but the little lower now means forty two to
Speaker 16: forty one.
Speaker 8: And they could always REFI.
Speaker 16: Oh yeah, people, and they will they will be and
Speaker 16: they listen.
Speaker 8: I want people to understand this. I mean, these guys
Speaker 8: make it easy to make those returns, but you own
Speaker 8: the house. You could, you could buy it and sell
Speaker 8: it tomorrow if you want.
Speaker 9: You hold the at.
Speaker 8: There's no long term agreement. You guys aren't on the deed.
Speaker 8: Whoever it is owned the property. Yeah, and you can
Speaker 8: use whatever realtor you want. You can do whatever you want.
Speaker 8: So what you're crazy to do it that way, because
Speaker 8: that's what these guys specialize in. But I just want
Speaker 8: people to understand you're not like giving him a chunk
Speaker 8: of money and you own nothing. You you literally own
Speaker 8: that property.
Speaker 9: You own it.
Speaker 16: We had two people who ran into job problems, like
Speaker 16: they were losing their jobs. Sure okay, and they said, Barry,
Speaker 16: and they stay in touch. We stay in touch. They say, hey,
Speaker 16: what do we do? I said, well, let's.
Speaker 9: Talk about it.
Speaker 1: Both of them.
Speaker 16: We talked it through for a month or two when
Speaker 16: they got their job largely back. But we have a
Speaker 16: pool of buyers for it right there.
Speaker 8: Yeah, you're ready, said.
Speaker 16: You don't have to listen and go through all of that.
Speaker 6: Yeah, we're right.
Speaker 9: Now, and we were ready.
Speaker 16: But but then their jobs came back and they said
Speaker 16: we'd rather keep it berry. I said, keep it, keep it,
Speaker 16: keep all right.
Speaker 8: So I want to give a couple numbers that real quick.
Speaker 8: So John Clace, partner in lending dot Com c MG
Speaker 8: Financial once again. These guys do two billion plus a
Speaker 8: month and lending you go straight to the lender. That's
Speaker 8: these guys reverse mortgages, ten year, twenty year, thirty year,
Speaker 8: pretty much any term traditional.
Speaker 6: They're going to beat the rates.
Speaker 8: And on top of that, they have the all in
Speaker 8: one loan, which I don't think anybody else in the
Speaker 8: country has. That's what Suzanne and I have three oh
Speaker 8: three five seven seven seven two zero six. And I
Speaker 8: promise you, if you're dealing with someone right now, send
Speaker 8: over the paperwork. What do you look for the truth
Speaker 8: and lending.
Speaker 9: It's called the lending estimate, a loan estimate.
Speaker 8: Look at the loan estimate. Send it over to John.
Speaker 8: He'll eyeball and say I can beat it by this,
Speaker 8: or if it's the best deal out there, or you'll
Speaker 8: say that's.
Speaker 9: All great, that's a great deal.
Speaker 8: Yeah, I mean, it's just more information. A lot of
Speaker 8: people don't think of shopping mortgages. You have to three
Speaker 8: oh three five seven seven seven two zero six three
Speaker 8: oh three five seven seven seven to two zero six
Speaker 8: partner in lending dot com than Barry. I've got the
Speaker 8: wrong website up here. Give it to me again, my
Speaker 8: biggest com. Check it out, Get signed up. It's an
Speaker 8: hour of your time. Think of the numbers he just gave.
Speaker 8: He teamed up with Wave eight. That's Martino's financial advisor company.
Speaker 8: Check them out. You have to check him out, My
Speaker 8: Biggest return dot com. We'll be right back, Robert hold
Speaker 8: On