WEBVTT 1 00:00:00.640 --> 00:00:10.199 Yeah, ripped up news didn't need advice. 2 00:00:09.839 --> 00:00:10.720 So you don't have. 3 00:00:12.880 --> 00:00:13.679 Come running. 4 00:00:13.919 --> 00:00:15.279 Just as fast as we can. 5 00:00:16.559 --> 00:00:18.519 Shooter's gonna help come. 6 00:00:19.120 --> 00:00:27.039 Man Dix is the Troubleshooter Show. Now, Tom Martino. 7 00:00:26.239 --> 00:00:28.879 Shallow, Tom Martino here, Welcome to the show. Three oh 8 00:00:28.960 --> 00:00:32.359 three seven won three talk seven one three eight two 9 00:00:32.479 --> 00:00:33.280 five five. 10 00:00:34.359 --> 00:00:36.039 Mark is at the mother Ship. 11 00:00:36.920 --> 00:00:44.560 I am in Studio Martino Casa, and uh, it's been a. 12 00:00:43.719 --> 00:00:44.840 Interesting two weeks. 13 00:00:44.880 --> 00:00:48.079 I'm not gonna be labor you with all the details, 14 00:00:48.079 --> 00:00:54.359 but I had major surgery two weeks ago to the day, 15 00:00:54.719 --> 00:00:57.640 so that was Monday, two weeks ago, and it was 16 00:00:57.719 --> 00:01:00.960 called the whipple. And what they do is they remove 17 00:01:02.280 --> 00:01:08.920 The goal is to remove cancer from the pancreas. Successful 18 00:01:08.920 --> 00:01:12.799 whipples are plentiful, but survival is not because most of 19 00:01:12.840 --> 00:01:19.879 the time, unfortunately, the tumors are spread. This cancer spreads, 20 00:01:19.920 --> 00:01:23.159 and I was one of the fortunate. I'm told it's 21 00:01:23.200 --> 00:01:26.959 a three percent. What I had was a diagnosis that 22 00:01:27.040 --> 00:01:31.640 happens three percent of the time. And I feel for you, guys, 23 00:01:31.680 --> 00:01:36.599 if someone in your family or friends circle got a 24 00:01:36.640 --> 00:01:40.760 diagnosis for pancratic cancer, and I feel for you because 25 00:01:41.239 --> 00:01:45.840 very very rare to get what's called if it can 26 00:01:45.840 --> 00:01:49.840 be called a good diagnosis, right, So that's it. I 27 00:01:49.879 --> 00:01:51.480 just wanted to say, I'm going to come in. I'm 28 00:01:51.480 --> 00:01:53.959 going to ease in. And Mark's been doing a great job. 29 00:01:54.000 --> 00:01:56.599 I appreciate it. We've been in touch. Let me just 30 00:01:56.680 --> 00:01:58.079 transition to a better shot. 31 00:01:58.079 --> 00:01:58.239 Here. 32 00:01:58.280 --> 00:01:59.760 I'll do the side by side. 33 00:02:00.159 --> 00:02:00.319 Here. 34 00:02:00.359 --> 00:02:03.120 We are so welcome people, and let's call. 35 00:02:03.200 --> 00:02:05.120 Let's go to the phones and solve problems, to answer 36 00:02:05.159 --> 00:02:08.879 question take complaints. Mark any particular problems, questions or complaints 37 00:02:08.879 --> 00:02:10.879 stick out in you in your mind. Oh, we had 38 00:02:10.919 --> 00:02:15.639 a very interesting one Friday with a company called Shamrock. 39 00:02:15.719 --> 00:02:19.719 In fact, a guy emailed me during the weekend. He 40 00:02:19.840 --> 00:02:23.960 was pretty perturbed at Dimitri and myself. He didn't think 41 00:02:24.000 --> 00:02:26.759 we gave him a I don't know, maybe he wants 42 00:02:26.840 --> 00:02:29.719 to say a fair time. But we tried to reach 43 00:02:29.800 --> 00:02:30.400 out to the guy. 44 00:02:30.479 --> 00:02:32.199 He didn't want to come on air, he didn't want 45 00:02:32.199 --> 00:02:34.439 to share that much information. 46 00:02:34.639 --> 00:02:35.719 But here's what happened. 47 00:02:36.199 --> 00:02:39.960 Apparently, according to the caller, at least they sold him 48 00:02:39.960 --> 00:02:40.639 this building. 49 00:02:40.719 --> 00:02:42.360 He thought it was going to be all metal. 50 00:02:42.639 --> 00:02:46.319 In fact, he even Tom had a witness call up 51 00:02:46.360 --> 00:02:50.120 that was apparently there at the same time as this 52 00:02:50.159 --> 00:02:54.439 guy was the caller Robert with the salesman, and apparently 53 00:02:54.520 --> 00:02:57.879 Robert showed him the existing car port and it had 54 00:02:57.960 --> 00:03:00.199 wood beams that were riding, and he said, i'd don't 55 00:03:00.199 --> 00:03:02.000 want wood. I want to make sure it's all metal. 56 00:03:02.280 --> 00:03:05.840 But the contract that he signed in the fifteen thousand 57 00:03:05.840 --> 00:03:09.960 dollars down does not specify any material. It doesn't even 58 00:03:10.000 --> 00:03:14.080 specify hey or cement or wood or steal. When he 59 00:03:14.159 --> 00:03:19.240 finally got the building plans, the building plans showed the wood, 60 00:03:19.840 --> 00:03:22.240 so he called up and said, hey, I want it 61 00:03:22.240 --> 00:03:24.719 all steal. I told your sales guy that. And by 62 00:03:24.719 --> 00:03:26.240 the way, I don't think that sales guy is with 63 00:03:26.319 --> 00:03:29.479 the company anymore. And they said, well, that would be 64 00:03:29.520 --> 00:03:31.560 twenty thousand more. He goes, well, I don't want to 65 00:03:31.560 --> 00:03:35.319 spend that much, so please just refund the fifteen thousand. 66 00:03:35.599 --> 00:03:37.960 They made an offer of somewhere around seven or eight 67 00:03:38.000 --> 00:03:41.159 thousand to return. But then the guy basically came on 68 00:03:41.319 --> 00:03:46.479 glued in emails saying how unfair we were talking about him, 69 00:03:46.520 --> 00:03:49.080 and I tried to explain to him, you know what, 70 00:03:49.199 --> 00:03:51.879 I can have an opinion, Tom can have an opinion. 71 00:03:52.240 --> 00:03:55.080 Dmitri can have an opinion. We tried to reach out 72 00:03:55.120 --> 00:03:57.400 for him, but I feel two different ways on it. One, 73 00:03:57.680 --> 00:03:59.800 the guy did sign a contract, but how in big 74 00:03:59.840 --> 00:04:02.280 you is it when you sign a contract for a 75 00:04:02.280 --> 00:04:04.599 building and it doesn't even state what it's made out of. 76 00:04:04.960 --> 00:04:06.240 What is your thoughts on? Yeah? 77 00:04:06.280 --> 00:04:08.479 But if you okay, we have a number of issues. 78 00:04:08.520 --> 00:04:12.919 First of all, on the surface, the company did nothing wrong. 79 00:04:13.000 --> 00:04:15.879 They have a contract, they signed it, they're ready to deliver. 80 00:04:16.319 --> 00:04:18.079 He doesn't want to go through with it because he 81 00:04:18.120 --> 00:04:21.240 says it's not what he wanted. This is where every problem, 82 00:04:21.480 --> 00:04:25.240 This is where every problem takes a leap from logic, 83 00:04:25.360 --> 00:04:28.519 and that is this I call it. I made it clear. 84 00:04:29.600 --> 00:04:32.480 We hear people say, well, when I bought this car, 85 00:04:32.600 --> 00:04:34.759 I made it clear that I was going to use 86 00:04:34.759 --> 00:04:36.920 it every day for commuting, or I made it clear 87 00:04:37.040 --> 00:04:39.199 that it had to fit a wheelchair, or I made 88 00:04:39.240 --> 00:04:40.480 it clear that. 89 00:04:40.399 --> 00:04:41.959 It has to get good gas milage. 90 00:04:42.199 --> 00:04:45.199 And then when it comes to this thing, I made 91 00:04:45.199 --> 00:04:47.639 it clear I wanted no wood. And they make it 92 00:04:47.680 --> 00:04:51.680 clear everywhere except in the contract. Here's the problem. Most 93 00:04:51.720 --> 00:04:54.560 of the time, and I mean most of the time, 94 00:04:55.040 --> 00:04:59.040 when you have a contract, the contract rules, the promise 95 00:04:59.160 --> 00:05:02.759 is made outside the contract fall into a couple categories. 96 00:05:03.279 --> 00:05:07.519 One would be fraud in the inducement. That means that 97 00:05:07.600 --> 00:05:10.240 they purposely committed fraud to get you to sign it, 98 00:05:10.800 --> 00:05:13.399 and by doing that they misled you. And if you 99 00:05:13.480 --> 00:05:17.000 can prove it, you could have a case. But I 100 00:05:17.040 --> 00:05:19.560 don't think this rises to a level of fraud. I 101 00:05:19.600 --> 00:05:21.279 don't think any of us think that. 102 00:05:22.439 --> 00:05:22.839 Yeah. 103 00:05:22.879 --> 00:05:25.000 And the other one would be just a plain mistake. 104 00:05:25.319 --> 00:05:28.439 Well, first about the ambiguity here, though, you sign a 105 00:05:28.519 --> 00:05:31.079 contract for I don't know, a carport. 106 00:05:31.199 --> 00:05:32.600 Let's just take it. 107 00:05:32.639 --> 00:05:35.879 And apparently the salesperson told you it was going to 108 00:05:35.879 --> 00:05:39.839 be all metal, and the contract you actually sign apparently 109 00:05:39.879 --> 00:05:43.000 doesn't have any materials listed whatsoever. 110 00:05:44.279 --> 00:05:48.959 Right, But that's not ambiguous. That's not ambiguous here. Ambiguous 111 00:05:49.000 --> 00:05:53.759 would be ambiguous means you make it hard to understand, 112 00:05:53.839 --> 00:05:56.759 or it's hidden in there. See it never addressed the materials, 113 00:05:56.759 --> 00:06:00.519 so it's not ambiguous. In fact, the contract is u clear. 114 00:06:00.800 --> 00:06:03.920 You're buying a building, we're supplying the building. Here's the price. 115 00:06:04.279 --> 00:06:09.160 Ambiguous would be if it said on all steel sheeted building, 116 00:06:09.639 --> 00:06:15.040 and and and and outline things and purposely wrote around 117 00:06:15.560 --> 00:06:20.319 or tried to trick them into not asking about the beams. 118 00:06:21.279 --> 00:06:24.920 It becomes ambiguous, meaning that a common person reading that 119 00:06:25.040 --> 00:06:28.879 contract would not have a clear understanding that it's what 120 00:06:29.000 --> 00:06:32.160 it is. This is very clear, it's just that it 121 00:06:32.199 --> 00:06:36.720 doesn't include what he claims. He made it clear, he 122 00:06:36.759 --> 00:06:39.639 made it clear he wanted all metal and and all 123 00:06:39.680 --> 00:06:45.040 they have to say is they built well it. You know, 124 00:06:45.199 --> 00:06:49.519 technically it has to be up to the community standards, 125 00:06:49.519 --> 00:06:52.240 you know, building department standards, and that's all they have 126 00:06:52.319 --> 00:06:56.480 to do. Okay, it's both companies. It's both parties problem 127 00:06:56.839 --> 00:06:59.519 that it's not spelled out, because you're right, Mark, they 128 00:06:59.519 --> 00:07:02.639 could build it out of Tubai fource and say here's 129 00:07:02.680 --> 00:07:06.759 your building. But the fact that it doesn't specify the 130 00:07:06.839 --> 00:07:09.399 details is not all on the company. 131 00:07:09.519 --> 00:07:10.480 Yeah, that guy. 132 00:07:10.319 --> 00:07:12.639 Could have looked at the contract and said, wait a minute, 133 00:07:12.959 --> 00:07:15.279 what about my windows or what about my this? 134 00:07:15.519 --> 00:07:17.000 Or what about that? The other thing? 135 00:07:17.079 --> 00:07:18.839 He could have looked at his shock. He could have 136 00:07:18.879 --> 00:07:22.079 looked at SHAMROCK's website and I even went into the 137 00:07:22.120 --> 00:07:25.160 way back machine to make sure they hadn't changed it recently. 138 00:07:25.519 --> 00:07:28.759 But it pretty much is very clear on their front 139 00:07:28.759 --> 00:07:32.759 page they build cleary buildings that are wood based or 140 00:07:32.800 --> 00:07:33.480 not wood based. 141 00:07:33.560 --> 00:07:34.519 But wood poles. 142 00:07:34.839 --> 00:07:37.480 No, the big the big beams and poles are wood, 143 00:07:37.560 --> 00:07:40.800 and then the rest of the building is steel, and personally, 144 00:07:41.839 --> 00:07:44.720 that's all you need for a residence. I mean, I 145 00:07:44.759 --> 00:07:48.040 don't know why he thinks that once again. 146 00:07:48.439 --> 00:07:50.759 Once again though according to him, the reason he wanted 147 00:07:50.879 --> 00:07:53.800 all steel and showed the guy, or apparently showed the 148 00:07:53.839 --> 00:07:57.560 guy is because the wood rotted out on his existing 149 00:07:58.079 --> 00:08:00.720 garage and that's why he needed at a new one. 150 00:08:01.000 --> 00:08:02.720 And wood is not going to rot out on a 151 00:08:02.800 --> 00:08:03.600 Cleary building. 152 00:08:04.360 --> 00:08:10.240 These are pressure treated timbers and they are absolutely almost indestructible. 153 00:08:10.600 --> 00:08:15.000 And you know, wood is much cheaper, less expensive, just 154 00:08:15.079 --> 00:08:18.720 as strong when done properly. I love wood structures within, 155 00:08:19.199 --> 00:08:22.720 But you know, I think sometimes people get steel because 156 00:08:22.759 --> 00:08:26.759 they think they need it, and sometimes they don't need it. 157 00:08:26.800 --> 00:08:29.360 I mean, that building, if he gets that building as 158 00:08:29.360 --> 00:08:31.800 specified for the price specified. 159 00:08:31.560 --> 00:08:34.720 It'll give him dozens and probably outlive him. 160 00:08:35.000 --> 00:08:36.679 And there would be you know, so if he ever 161 00:08:36.720 --> 00:08:39.159 did get rot it would be in another century. 162 00:08:39.240 --> 00:08:41.000 I mean, they're. 163 00:08:40.799 --> 00:08:45.240 Truly state of the art pressure treated timbers, and Cleary 164 00:08:45.360 --> 00:08:48.399 uses them. I think Morton uses them, and a bunch 165 00:08:48.440 --> 00:08:51.000 of others they did they do the frame in the 166 00:08:51.039 --> 00:08:53.440 wood and then they do the sheathing and the roof 167 00:08:54.639 --> 00:08:57.480 with that. And when I had mine done, I had 168 00:08:57.480 --> 00:09:01.840 the sheathing done inside and out, so it was really 169 00:09:01.879 --> 00:09:05.360 a beautiful wall. It's a beautiful building. Now, as far 170 00:09:05.360 --> 00:09:08.960 as as far as specifications, I want to know, Dmitri 171 00:09:09.240 --> 00:09:12.840 and Doc, if you guys were I want to know 172 00:09:12.879 --> 00:09:15.080 the truth. If you were presented a contract like that, 173 00:09:15.919 --> 00:09:18.759 try to really reach into, like you not knowing what 174 00:09:18.879 --> 00:09:25.039 happened here, would you notice that the materials were not specified? 175 00:09:25.200 --> 00:09:27.480 Would you notice that if it just says eighty by 176 00:09:27.559 --> 00:09:30.679 eighty building or whatever he's getting. And Mark, what does 177 00:09:30.720 --> 00:09:32.679 it say about the building? I mean you had you 178 00:09:32.799 --> 00:09:35.799 read that contract several times. What does it actually say? 179 00:09:35.960 --> 00:09:36.720 What does it say? 180 00:09:36.799 --> 00:09:38.879 Dmitrie? Honestly, Tom, I did not read it. 181 00:09:39.440 --> 00:09:39.639 Yeah. 182 00:09:39.679 --> 00:09:41.840 I did get a copy of the contract, Tom, and 183 00:09:41.879 --> 00:09:43.639 I'm going to open it up right now and take 184 00:09:43.639 --> 00:09:44.360 a look at it. 185 00:09:45.000 --> 00:09:46.240 I can tell you right off the back. 186 00:09:46.360 --> 00:09:47.000 I'd like to know. 187 00:09:47.399 --> 00:09:50.080 I'd like to know everyone's opinion on whether this guy 188 00:09:50.240 --> 00:09:54.440 was was mislet or not. It doesn't sound it's like 189 00:09:54.519 --> 00:09:57.039 he was the problem is, we're missing the salesman in 190 00:09:57.080 --> 00:09:57.519 all of this. 191 00:09:57.679 --> 00:10:00.639 So I don't even know if he was misled by 192 00:10:00.639 --> 00:10:01.240 the salesman. 193 00:10:01.360 --> 00:10:05.120 And even if he was misled by the salesman, that 194 00:10:05.159 --> 00:10:08.919 doesn't necessarily mean that the company knew the salesman was 195 00:10:08.919 --> 00:10:09.279 doing that. 196 00:10:10.320 --> 00:10:12.399 I'm all right, said I didn't know. 197 00:10:12.559 --> 00:10:15.519 When it comes to real estate, it's only what's written, 198 00:10:15.600 --> 00:10:16.799 not what's verbalized. 199 00:10:16.919 --> 00:10:19.000 This is in building. 200 00:10:19.279 --> 00:10:23.120 Well yeah, this I think this would be outside of 201 00:10:23.120 --> 00:10:26.679 real estate. What Doc is alluding to is yest law 202 00:10:26.759 --> 00:10:30.480 says nothing verbal can be enforced. Now, John, real quick here, 203 00:10:30.600 --> 00:10:32.159 let's get started on your problem. 204 00:10:32.399 --> 00:10:33.480 We'll come back to you. 205 00:10:33.480 --> 00:10:35.840 You have a ninety am I reading this correctly, a 206 00:10:35.960 --> 00:10:38.200 nineteen ninety three. 207 00:10:38.080 --> 00:10:43.679 Cadillac El Dorado. Oh lord is it John? 208 00:10:45.639 --> 00:10:45.919 John? 209 00:10:46.720 --> 00:10:48.159 Is he there? What there? 210 00:10:48.200 --> 00:10:48.519 You go? 211 00:10:48.679 --> 00:10:49.320 What's going on? 212 00:10:49.440 --> 00:10:49.600 Man? 213 00:10:49.960 --> 00:10:52.200 Talk to me about talk to me about your car. 214 00:10:52.279 --> 00:10:52.519 Man. 215 00:10:55.919 --> 00:11:00.600 Okay, we're having a problem. Let's try him. Yeah, we'll try. 216 00:11:00.440 --> 00:11:02.519 To connect with him after the break. If he wakes up. 217 00:11:02.679 --> 00:11:05.240 I'm Tom Martine. More coming up. Don't forget this. 218 00:11:05.200 --> 00:11:06.759 Hour brought you by waterpros dot net. 219 00:11:06.759 --> 00:11:08.879 The best water systems, the lowest prices. 220 00:11:08.919 --> 00:11:09.399 Anywhere. 221 00:11:09.559 --> 00:11:12.320 You want to talk health, You're you're eating right, you're 222 00:11:12.360 --> 00:11:15.519 trying to do things right. Get your water straight eleven 223 00:11:15.639 --> 00:11:19.120 ninety five. I think for reverse osmosis at the kitchen sink, 224 00:11:19.519 --> 00:11:22.200 the cheapest and best water system you ever get whole 225 00:11:22.200 --> 00:11:27.000 house systems at around thirty nine hundred bucks, unbelievable quality 226 00:11:27.240 --> 00:11:36.960 and the lowest prices anywhere. Waterpros dot net. Go with 227 00:11:37.039 --> 00:11:40.639 a sure thing Denver's best roofer Excel Roofing dot com. 228 00:11:40.679 --> 00:11:46.399 You don't pay a cent until you're content. Time for 229 00:11:46.440 --> 00:11:49.639 an insurance check up free, no obligation. In comparison, call 230 00:11:49.720 --> 00:11:53.039 Compass Insurance. Pay too much your coverage at dozens of 231 00:11:53.039 --> 00:11:56.000 insurance companies find out now three O three seven seven 232 00:11:56.039 --> 00:11:58.759 to one help. You'll think you're his only customer when 233 00:11:58.799 --> 00:12:01.720 you choose Frank durand estate man dot com to list 234 00:12:01.759 --> 00:12:04.840 your home with Remax Alliance three all three nine two 235 00:12:04.919 --> 00:12:14.559 zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter 236 00:12:14.679 --> 00:12:16.720 three O three seven one three talk seven one three 237 00:12:16.759 --> 00:12:18.919 eight two five five. So I have up for those 238 00:12:18.960 --> 00:12:22.960 streaming a diagram of before and after surgery of what 239 00:12:22.960 --> 00:12:24.440 what they do during this procedure. 240 00:12:24.639 --> 00:12:24.840 Listen. 241 00:12:24.919 --> 00:12:26.879 I don't want to make light of it. There are 242 00:12:26.879 --> 00:12:29.720 people every day being diagnosed with cancer. What amazes me 243 00:12:29.799 --> 00:12:32.679 more than anything in the world, is how people dedicate 244 00:12:32.720 --> 00:12:35.720 themselves to that part of medicine you would think would 245 00:12:35.720 --> 00:12:40.159 be depressing and just oncology they call it. And there 246 00:12:40.159 --> 00:12:44.840 are so many dedicated people and they say they they 247 00:12:44.919 --> 00:12:48.240 don't get discouraged. I mean they they just love fighting, 248 00:12:48.879 --> 00:12:51.360 and uh, that's why they do it. And I want 249 00:12:51.360 --> 00:12:55.000 to thank everyone at UC health. So I'm not, as 250 00:12:55.000 --> 00:12:56.440 I said, I don't want to belabor it, but if 251 00:12:56.440 --> 00:12:58.799 you ever had any questions, I'd be happy to answer them. 252 00:12:59.080 --> 00:13:04.480 A lot of people want to know why and what happened, 253 00:13:04.720 --> 00:13:07.120 and all it was is just a diagnosis. I mean, 254 00:13:07.159 --> 00:13:11.159 I was starting to turn yellow and my bio duct 255 00:13:11.200 --> 00:13:13.919 was being blocked and they told me, right then and there, 256 00:13:13.960 --> 00:13:16.000 you have a mass on your pancreas. It's a tumor, 257 00:13:16.519 --> 00:13:20.120 most likely pancreatic cancer. And they even went so far 258 00:13:20.159 --> 00:13:22.240 as to say, you know, you might want I mean, 259 00:13:22.279 --> 00:13:24.840 I don't know why they did so prematurely, but they did. 260 00:13:25.080 --> 00:13:26.039 It wasn't U see health. 261 00:13:26.080 --> 00:13:28.519 It was another er that said you might want to 262 00:13:28.559 --> 00:13:30.320 call your family and make arrangements. 263 00:13:30.360 --> 00:13:33.840 And I was thinking, holy crap, this was so serious 264 00:13:33.879 --> 00:13:34.399 and it was. 265 00:13:34.919 --> 00:13:39.919 But I luckily doc will tell you how rare this is. 266 00:13:40.480 --> 00:13:45.600 But the cancer was isolated, it was encapsulated in blood vessels. 267 00:13:45.960 --> 00:13:50.679 It did not spread anywhere nowhere, zero spread. So it 268 00:13:50.759 --> 00:13:56.399 was totally operable. And after five sessions of chemo it 269 00:13:56.559 --> 00:13:59.639 even shrunk more. And then they removed it and did 270 00:13:59.720 --> 00:14:03.039 what was called the Whipple procedure, which basically just takes 271 00:14:03.039 --> 00:14:06.799 out a big section of your gut, so so they 272 00:14:06.840 --> 00:14:09.200 get it all and then they test as they go 273 00:14:10.120 --> 00:14:14.039 and declared me cancer free. And we've been living this 274 00:14:14.360 --> 00:14:20.279 since privately, the US, the staff, and the Troubleshooter family, 275 00:14:20.440 --> 00:14:22.159 like since New Years. 276 00:14:22.399 --> 00:14:23.919 So I'm back now. 277 00:14:23.960 --> 00:14:26.440 I'm going to take havingn abbreviated schedule for a little 278 00:14:26.440 --> 00:14:31.000 while because I'm told i'm supposed to. I am healing rapidly, 279 00:14:31.720 --> 00:14:34.200 and I thank my family history for that. I just 280 00:14:34.200 --> 00:14:35.360 wanted to get that out of the way. If you 281 00:14:35.399 --> 00:14:37.039 have any questions, I'd be happy to answer them too. 282 00:14:37.559 --> 00:14:39.720 If and here's another thing, if you have people going 283 00:14:39.720 --> 00:14:42.879 through cancer, or if you're going through cancer, you can 284 00:14:42.919 --> 00:14:45.279 write to us help at troubleshooter dot com. 285 00:14:45.440 --> 00:14:47.720 That's the email, and I will answer each and every 286 00:14:47.720 --> 00:14:48.080 one of you. 287 00:14:48.240 --> 00:14:52.840 I promise you you can also leave a text at 288 00:14:52.879 --> 00:14:56.879 my number seven four seven nine eighty. 289 00:14:57.559 --> 00:15:00.039 That is a Google number that goes right to my 290 00:15:00.039 --> 00:15:00.639 my cell phone. 291 00:15:00.679 --> 00:15:03.759 I will get your text if you have any questions 292 00:15:03.879 --> 00:15:05.240 or you know. 293 00:15:05.799 --> 00:15:06.679 I'm not saying it. 294 00:15:07.360 --> 00:15:09.759 I'm like this experienced veteran, but I went through a 295 00:15:09.799 --> 00:15:13.080 lot and can help you out if you're just facing 296 00:15:13.440 --> 00:15:19.679 a dire diagnosis. Anyway, let's talk to well did he 297 00:15:19.799 --> 00:15:21.759 go away? The other guy? The other guy went away? 298 00:15:21.759 --> 00:15:26.559 So let's talk to John. Oh no, John, twenty fourteen 299 00:15:26.600 --> 00:15:27.440 Dodge Ram talk. 300 00:15:27.320 --> 00:15:32.519 To us, John, Yes, I bought a forty fourteen Dodge 301 00:15:32.559 --> 00:15:41.840 Ram used last year from Brighton Ford, Okay, and I 302 00:15:41.879 --> 00:15:45.759 bought it for it it was twenty thousand dollars. 303 00:15:47.240 --> 00:15:48.919 I put it down on it, I bought it. I 304 00:15:49.000 --> 00:15:51.559 financed the rest of it. But I bought a warranty 305 00:15:51.600 --> 00:15:52.360 package with it. 306 00:15:52.399 --> 00:15:55.320 Now, what kind of warranty package? 307 00:15:56.080 --> 00:16:00.480 A full A nine five full bumper bumper three years 308 00:16:01.200 --> 00:16:07.159 unlimited marriage. Oh wow, three year warranty bumper to bumper 309 00:16:07.240 --> 00:16:08.279 unlimited marriage. 310 00:16:09.320 --> 00:16:09.519 Wow? 311 00:16:09.600 --> 00:16:10.960 Okay? How much was it? 312 00:16:11.240 --> 00:16:11.320 So? 313 00:16:12.240 --> 00:16:13.200 It was? Uh? 314 00:16:14.519 --> 00:16:16.399 And they added like one hundred and fifty one hundred 315 00:16:16.399 --> 00:16:17.279 and forty dollars to. 316 00:16:17.279 --> 00:16:20.679 My to my payment of my truck. Wow, they had 317 00:16:20.679 --> 00:16:24.639 one month so for five. 318 00:16:24.559 --> 00:16:27.879 Okay, well, if it listen, if it truly is a 319 00:16:28.000 --> 00:16:33.559 three year unlimited mileage, that is amazing, my friend, amazing. 320 00:16:33.679 --> 00:16:34.720 That's say that. 321 00:16:34.759 --> 00:16:36.120 Says it right on the contract. 322 00:16:38.120 --> 00:16:39.360 Okay, Hey, what's the name? 323 00:16:39.480 --> 00:16:40.000 What happened? 324 00:16:40.000 --> 00:16:40.679 You can look it up? 325 00:16:40.679 --> 00:16:43.279 What is it called line five? 326 00:16:46.759 --> 00:16:49.039 It's it's called line five. 327 00:16:50.879 --> 00:16:54.159 Yeah, it's it's that's that's what that's the name of it. 328 00:16:54.200 --> 00:16:55.279 That's the thing I found it. 329 00:16:55.440 --> 00:16:59.279 Going on with the story, yeah, keep going with your story, sir. 330 00:17:00.000 --> 00:17:03.720 So the very first year I paid the truck off, 331 00:17:04.599 --> 00:17:06.160 I went to the bank and I said how much 332 00:17:06.160 --> 00:17:07.559 to pay it off? And they said they gave me. 333 00:17:07.759 --> 00:17:10.119 They gave me a number, and I paid the truck off. 334 00:17:10.880 --> 00:17:14.279 But the warranty company is still charged me one hundred 335 00:17:14.279 --> 00:17:18.839 and forty bucks a month for the warranty for the 336 00:17:18.880 --> 00:17:20.319 next four years. 337 00:17:21.000 --> 00:17:23.759 But no, let me ask you a question here. I'm confused. 338 00:17:24.519 --> 00:17:27.839 If you bought the warranty, the warranty had a price 339 00:17:27.920 --> 00:17:31.720 on it. So when your payments equal the price, then 340 00:17:31.759 --> 00:17:32.640 you don't pay anymore. 341 00:17:32.720 --> 00:17:36.440 Right? In other words, was knocked off? 342 00:17:36.480 --> 00:17:37.240 Did you see. 343 00:17:39.200 --> 00:17:41.359 It was thirty It came out to be thirty thousand 344 00:17:41.400 --> 00:17:44.759 dollars for the loan, for the warranty, for the truck, 345 00:17:45.200 --> 00:17:45.759 for everything. 346 00:17:46.079 --> 00:17:48.359 But how much was how I just want to concentrate 347 00:17:48.400 --> 00:17:53.519 on this. How much was the warranty? 348 00:17:53.960 --> 00:17:55.880 The warranty was one hundred and forty bucks a month. 349 00:17:57.079 --> 00:18:00.799 No, that's not what it is. The warranty. The warranty 350 00:18:00.839 --> 00:18:03.799 has a lump sum amount. What was the price of 351 00:18:03.839 --> 00:18:04.920 the warranty. 352 00:18:04.480 --> 00:18:07.519 Tight thousand, six thousand? I think it does, say I'm 353 00:18:07.559 --> 00:18:08.519 some six thousand. 354 00:18:09.759 --> 00:18:13.000 Okay, so did you pay six thousand back? 355 00:18:16.440 --> 00:18:17.839 No? 356 00:18:18.400 --> 00:18:20.119 No, they get charged me on the warranty. 357 00:18:20.200 --> 00:18:22.799 I paid the truck off, but the warranty still still 358 00:18:22.799 --> 00:18:24.440 bills me one hundred and forty bucks a month. 359 00:18:24.559 --> 00:18:26.880 Time. I can offer an insight, and they should until 360 00:18:26.880 --> 00:18:29.440 you pay the six thousand dollars they should pay. 361 00:18:29.640 --> 00:18:31.839 I mean, you should be charged. What do we still 362 00:18:31.880 --> 00:18:33.039 have the warrant as long? 363 00:18:33.640 --> 00:18:35.000 I don't mind, And that's fine. 364 00:18:35.000 --> 00:18:36.039 That's why I didn't. 365 00:18:36.480 --> 00:18:39.200 That's fine. But the truck broke and I take it 366 00:18:39.200 --> 00:18:42.799 in and get fixed, and they said the warranty won't 367 00:18:42.839 --> 00:18:43.359 cover it. 368 00:18:46.200 --> 00:18:49.000 Tell me why the warranty won't cover it? 369 00:18:49.000 --> 00:18:52.720 Because I bought the truck with one hundred and forty 370 00:18:52.720 --> 00:18:57.000 seven thousand miles on it. The warranty's saying that at 371 00:18:57.000 --> 00:19:03.200 one hundred and twelve thousand miles the truck was throwing 372 00:19:03.200 --> 00:19:06.160 a code, a transmission code, and that was but it 373 00:19:06.240 --> 00:19:07.400 was it was erased. 374 00:19:08.799 --> 00:19:10.519 So how do they know that? 375 00:19:10.799 --> 00:19:14.880 So they say that this truck has a has a 376 00:19:14.920 --> 00:19:17.680 weird history, and so they're not going to cover it. 377 00:19:17.759 --> 00:19:18.680 Is that what they're saying? 378 00:19:19.759 --> 00:19:20.359 Pretty much? 379 00:19:22.200 --> 00:19:23.920 What does the dealer say about that? 380 00:19:25.240 --> 00:19:27.039 So I went back to the dealer and I said, hey, 381 00:19:27.079 --> 00:19:29.279 you sold me a truck that has an erased code. 382 00:19:29.039 --> 00:19:31.160 On it the warrant you won't cover it. 383 00:19:31.759 --> 00:19:35.880 They said, well, that's a warranty problem. 384 00:19:36.279 --> 00:19:36.640 It is. 385 00:19:37.559 --> 00:19:39.359 The dealer says, it's a warranty problem. 386 00:19:39.400 --> 00:19:40.960 I mean it is. 387 00:19:41.680 --> 00:19:46.160 It is a warranty problem, first and foremost. When you 388 00:19:46.319 --> 00:19:49.119 bought it, it was after that code had been cleared. 389 00:19:49.240 --> 00:19:49.960 Is that correct? 390 00:19:50.880 --> 00:19:51.200 Yes? 391 00:19:52.880 --> 00:19:57.160 How is this dealer supposed how is this dealer supposed 392 00:19:57.200 --> 00:19:57.440 to know? 393 00:19:58.880 --> 00:20:01.759 And you bought it as it is? Well, how did 394 00:20:01.799 --> 00:20:04.960 these people? How does the warranty company know there was 395 00:20:04.960 --> 00:20:05.400 a code of. 396 00:20:05.480 --> 00:20:06.920 Racist And that's what I want to know. 397 00:20:09.680 --> 00:20:12.960 Whatever the warranty company checked to make sure it was kosher. 398 00:20:13.960 --> 00:20:18.000 The dealership shows checked before that. 399 00:20:18.000 --> 00:20:20.640 That's logical, that's logical. 400 00:20:20.759 --> 00:20:23.119 You're saying they should have warranty that it's not gonna 401 00:20:24.000 --> 00:20:26.759 I mean, well, show me a no, no, you got you 402 00:20:26.839 --> 00:20:27.759 got a point there. 403 00:20:28.279 --> 00:20:30.880 You got to point there, John, you should not have 404 00:20:30.920 --> 00:20:34.039 been charged. How much did you pay? In completely right now? 405 00:20:34.079 --> 00:20:35.799 Because you should get a refund. 406 00:20:37.079 --> 00:20:39.599 So I paid the truck off and it was only 407 00:20:39.640 --> 00:20:42.920 twenty two thousand, after it was thirty thousand. I paid 408 00:20:42.920 --> 00:20:48.200 the truck off with him a year, and but the warranty. 409 00:20:47.799 --> 00:20:49.200 Company still charges Mehunt. 410 00:20:49.279 --> 00:20:51.680 So I paid into it. I paid into it for 411 00:20:51.759 --> 00:20:55.400 a year, but they still I still want They still. 412 00:20:55.240 --> 00:20:57.079 Want four more years worth one hundred. 413 00:20:56.799 --> 00:20:57.599 And forty bucks a month. 414 00:20:59.160 --> 00:21:05.599 Listen, John, they won't cover it, I mean, John, Yes. 415 00:21:05.480 --> 00:21:11.200 John, okay, just listen. They want you to pay because 416 00:21:11.200 --> 00:21:13.960 you have a warranty. You're saying, why should I pay 417 00:21:14.319 --> 00:21:18.680 because the warranty is invalid? Will these people fix the 418 00:21:18.799 --> 00:21:21.440 problem if you continue paying for the warranty? 419 00:21:22.039 --> 00:21:22.240 Yes? 420 00:21:22.359 --> 00:21:23.799 Or no? 421 00:21:23.799 --> 00:21:23.839 No? 422 00:21:25.920 --> 00:21:26.279 Okay? 423 00:21:26.640 --> 00:21:28.880 They say, no matter what, you're not going to fix 424 00:21:28.960 --> 00:21:33.359 your truck, right, They're not going to fix anything. So 425 00:21:33.440 --> 00:21:37.160 you bought a useless warranty. So what I'm asking you is, 426 00:21:37.759 --> 00:21:41.480 did you ask the dealer for a refund since they 427 00:21:41.640 --> 00:21:43.160 sold you a warranty. 428 00:21:42.759 --> 00:21:43.839 You can't use. 429 00:21:46.200 --> 00:21:47.519 Because the dealer said he's. 430 00:21:47.359 --> 00:21:48.079 Getting to do it. 431 00:21:48.079 --> 00:21:51.720 Then, well, of course they do. 432 00:21:52.279 --> 00:21:57.440 The dealer sold you a warranty that is not valid. 433 00:21:57.480 --> 00:22:01.200 I don't understand why a warranty company, though, would not 434 00:22:01.640 --> 00:22:03.160 warranty something. 435 00:22:02.799 --> 00:22:06.079 Because the code was erased. I've just never heard that before. 436 00:22:06.640 --> 00:22:10.480 It's okay, let's let's analyze that. Let's analyze this, John, 437 00:22:10.839 --> 00:22:12.920 what is the problem? They won't cover. 438 00:22:14.480 --> 00:22:16.000 The transmission won't go into gear? 439 00:22:17.400 --> 00:22:20.440 Okay, automatic transmission, got it? 440 00:22:20.880 --> 00:22:22.039 Got it now? 441 00:22:22.400 --> 00:22:26.240 So you're they won't cover a transmission problem because they 442 00:22:26.319 --> 00:22:29.319 said they had a previous issue and they erased it. 443 00:22:29.440 --> 00:22:30.759 Right, that's it in a nutshell. 444 00:22:31.039 --> 00:22:32.599 Yes, so yes. 445 00:22:32.839 --> 00:22:37.079 The question is, I don't know if it's incumbent upon 446 00:22:37.160 --> 00:22:41.119 a dealer to do a search of the codes and 447 00:22:41.160 --> 00:22:43.240 the computers when they get a car in. 448 00:22:43.319 --> 00:22:45.759 I don't know. I would think it would be routine. 449 00:22:46.119 --> 00:22:50.160 So the question is who's the fault here, the dealer 450 00:22:51.079 --> 00:22:55.559 or the warranty company. I say the warranty company has 451 00:22:55.599 --> 00:22:58.039 a good leg to stand on if in fact, there 452 00:22:58.160 --> 00:23:01.799 was an erased code. What does the dealer say about 453 00:23:01.799 --> 00:23:03.440 the code that was erased? 454 00:23:03.759 --> 00:23:04.880 Do they acknowledge it? 455 00:23:06.000 --> 00:23:06.240 No? 456 00:23:06.319 --> 00:23:08.039 Not at all, not at all. 457 00:23:09.279 --> 00:23:12.759 How much will this transmission fix cost you? 458 00:23:14.240 --> 00:23:14.599 Eleven? 459 00:23:16.799 --> 00:23:22.839 Let's let's get hold Okay, let's do that first. Then 460 00:23:22.880 --> 00:23:24.759 we need to find out. We need to talk to 461 00:23:24.799 --> 00:23:30.160 somebody at Brighton Ford is the warranty company? What does 462 00:23:30.160 --> 00:23:33.319 the warranty company say about this code? How did they 463 00:23:33.400 --> 00:23:33.839 find it? 464 00:23:35.240 --> 00:23:39.039 I think it's a mechanic a Dodge dealership not not 465 00:23:39.119 --> 00:23:41.359 worry about the truck. I took it to a Dodge leadership, 466 00:23:41.400 --> 00:23:44.319 to a Dodge truck. I took it and. 467 00:23:44.319 --> 00:23:47.720 They they I said, open up the claim you know 468 00:23:47.880 --> 00:23:48.400 six a chance? 469 00:23:48.440 --> 00:23:49.759 Okay, yeah, we don't. 470 00:23:49.799 --> 00:23:51.079 We don't have to go through We don't have to 471 00:23:51.079 --> 00:23:53.480 go through all this. Once they found out a code 472 00:23:53.559 --> 00:23:57.480 had been erased, how do they link that? As Mark 473 00:23:57.559 --> 00:24:03.319 said before, why is an erased automatically avoid that? Why 474 00:24:03.319 --> 00:24:06.279 does it automatically avoid? Because what was this a RaSE code? 475 00:24:06.279 --> 00:24:07.160 Existing condition? 476 00:24:08.039 --> 00:24:09.359 Yeah, but let's we know that. 477 00:24:09.559 --> 00:24:13.440 But what fourteen Dodge? I mean, let's say someone else 478 00:24:13.799 --> 00:24:15.759 had that code come up, they put in a new 479 00:24:15.799 --> 00:24:17.599 transmission and erase the code. 480 00:24:17.839 --> 00:24:20.079 I mean, why wouldn't they cover a new issue? Now? 481 00:24:20.279 --> 00:24:23.400 It seems crazy not to cover something. How old is 482 00:24:23.440 --> 00:24:23.839 the code? 483 00:24:23.920 --> 00:24:24.160 John? 484 00:24:24.359 --> 00:24:27.759 How long ago? How many miles have you driven it? 485 00:24:28.559 --> 00:24:31.440 The code is fifty thousand miles old. See that's in. 486 00:24:32.799 --> 00:24:35.839 A waste to code fifty thousand miles ago. Then the 487 00:24:35.920 --> 00:24:39.920 transmission breaks and that's their out. I think that's crazy. 488 00:24:40.720 --> 00:24:45.759 Fifty I've only owned it for twenty thousand miles. 489 00:24:46.240 --> 00:24:49.119 I think someone needs to call the dealer. This dealer 490 00:24:49.200 --> 00:24:51.160 can't just walk away from this. They made a lot 491 00:24:51.160 --> 00:24:54.079 of money on that or were you futting refat warranty? 492 00:24:54.599 --> 00:24:57.559 That warranty was six thousand dollars? Are you kidding me? 493 00:24:59.440 --> 00:25:00.160 And he he? 494 00:25:00.400 --> 00:25:02.680 Now you didn't pay the full six yet? Be you 495 00:25:02.759 --> 00:25:03.839 still have money due? Right? 496 00:25:03.920 --> 00:25:04.960 Oh? 497 00:25:05.039 --> 00:25:09.640 Yes, okay, that's what I thought. How much of the 498 00:25:09.680 --> 00:25:12.039 six thousand do you still owe? 499 00:25:13.640 --> 00:25:15.279 Uh? 500 00:25:16.720 --> 00:25:16.960 Uh? 501 00:25:17.039 --> 00:25:18.680 Probably five thousand? 502 00:25:19.799 --> 00:25:22.519 We got a break, bro, you only pay Okay, we 503 00:25:22.559 --> 00:25:24.759 got to hit you only paid one thousand dollars so 504 00:25:24.839 --> 00:25:26.079 far into that warranty. 505 00:25:26.960 --> 00:25:29.640 I'll go I'll be more probably fifteen, I'll be fifteen 506 00:25:29.680 --> 00:25:30.599 hundred for a. 507 00:25:30.559 --> 00:25:31.000 Year and a half. 508 00:25:31.720 --> 00:25:34.440 We're going to get a hold of the dealer for sure. 509 00:25:34.599 --> 00:25:37.359 We need to have somebody in there. Call the dealer 510 00:25:37.400 --> 00:25:39.880 and say, what's up with this? I'm Tom Martine. We 511 00:25:39.960 --> 00:25:47.680 have more coming up. Go with a sure thing Denver's 512 00:25:47.680 --> 00:25:50.599 Best roofer Excel Roofing dot com. You don't pay a 513 00:25:50.680 --> 00:25:57.160 cent until you're content. Time for an insurance check up free, 514 00:25:57.240 --> 00:26:00.960 no obligation. In comparison, call Compass Insurance paying too much 515 00:26:01.079 --> 00:26:04.039 your coverage at dozens of insurance companies find out now 516 00:26:04.119 --> 00:26:05.640 three all three seven to seven to one. 517 00:26:05.720 --> 00:26:06.000 Help. 518 00:26:06.160 --> 00:26:08.799 You'll think you're his only customer when you choose Frank 519 00:26:08.880 --> 00:26:11.319 durand the real estate Man dot com to list your 520 00:26:11.359 --> 00:26:14.519 home with Remax Alliance three all three nine two zero 521 00:26:14.599 --> 00:26:27.240 sixteen twenty two. Hey Tom Martino here, welcome to the show. Yeah, 522 00:26:27.279 --> 00:26:29.519 I'm back limited duty for a little while, but I'm 523 00:26:29.519 --> 00:26:33.759 gonna go to phones here. Listen, Hey, webfit KIMMERA transmission 524 00:26:34.240 --> 00:26:37.400 real go ahead. When can you get back to let's 525 00:26:37.440 --> 00:26:40.519 say your exercise regiment you used to work out three 526 00:26:40.559 --> 00:26:42.599 times a week. 527 00:26:43.599 --> 00:26:44.119 I don't know. 528 00:26:44.319 --> 00:26:47.400 I think what they said was for me to be 529 00:26:47.480 --> 00:26:50.440 fully recovered from absolutely positively everything. 530 00:26:50.599 --> 00:26:52.839 Yeah, would probably. 531 00:26:52.480 --> 00:26:53.480 Be eight months. 532 00:26:53.519 --> 00:26:59.279 Wow, Okay, now you know, thanks for the hospital noises. 533 00:26:59.599 --> 00:27:04.119 So I beat the odds, thank god, with the diagnosis 534 00:27:04.119 --> 00:27:07.839 and with the surgery, with the chemo, I am officially 535 00:27:07.880 --> 00:27:10.160 cancer free. I have to be screened just to be wise, 536 00:27:10.680 --> 00:27:13.799 but they said I may not do anything physical for 537 00:27:13.839 --> 00:27:14.599 the next six weeks. 538 00:27:14.640 --> 00:27:15.640 So it's been. 539 00:27:15.480 --> 00:27:18.440 Two weeks, So the next four weeks I can't do anything. 540 00:27:18.799 --> 00:27:21.960 Then I can do certain light stuff. And it's really weird, 541 00:27:22.519 --> 00:27:26.960 but anyway, well that's gonna have to do with drugs 542 00:27:27.039 --> 00:27:29.920 in the medical condition. It doesn't take a lot of 543 00:27:30.279 --> 00:27:33.640 there's no real strain in flying. The controls are very 544 00:27:33.640 --> 00:27:36.720 easy in light and so there's nothing there that's taxing 545 00:27:36.960 --> 00:27:37.680 to my system. 546 00:27:38.000 --> 00:27:40.000 But the thing is, I can't be on pain pills. 547 00:27:40.039 --> 00:27:43.000 I can't be on anything that would affect my judgment, 548 00:27:44.160 --> 00:27:47.920 and so that would suspend my license medically, not necessarily 549 00:27:47.960 --> 00:27:50.799 that I can't do it, but medically so I. 550 00:27:50.720 --> 00:27:53.119 Can get back to flying. I'm predicting. 551 00:27:54.200 --> 00:27:56.599 In a month or less because I'm weaning off of 552 00:27:56.640 --> 00:28:01.319 these drugs quite quickly, and I'm just basically making a 553 00:28:01.359 --> 00:28:04.160 miraculo Look it, it's a miraculous recovery. And you know 554 00:28:04.200 --> 00:28:07.279 what all I can say is I'll take it. And 555 00:28:07.400 --> 00:28:11.079 I'm humbled by it. I just feel so terrible for 556 00:28:11.200 --> 00:28:14.400 people that are going through this, and some of which 557 00:28:14.480 --> 00:28:17.920 do not have the same diagnosis. Pancreatic cancer they say 558 00:28:18.000 --> 00:28:21.759 is rare, but my god, I have heard of so 559 00:28:21.759 --> 00:28:22.960 so many. 560 00:28:22.680 --> 00:28:25.160 People that know people anyway. 561 00:28:25.680 --> 00:28:31.559 So on this transmission problem, John, was the problem diagnosed 562 00:28:31.680 --> 00:28:33.599 on your twenty fourteen Dodge Ram? 563 00:28:33.759 --> 00:28:35.440 Was it actually diagnosed yet? 564 00:28:37.000 --> 00:28:37.440 Yes? 565 00:28:39.519 --> 00:28:40.880 What was the diagnosis? 566 00:28:44.680 --> 00:28:46.960 The whole training would have to be removed and replaced. 567 00:28:48.359 --> 00:28:50.359 They didn't say what went bad, They just said the 568 00:28:50.400 --> 00:28:51.759 whole transmission is shot. 569 00:28:51.880 --> 00:28:52.079 Right? 570 00:28:53.119 --> 00:28:53.319 Yes? 571 00:28:54.920 --> 00:28:56.359 How many miles on your truck? 572 00:28:57.880 --> 00:28:59.079 One hundred and sixty seven? 573 00:29:01.160 --> 00:29:03.319 And they and you said you put twenty on it? 574 00:29:03.400 --> 00:29:05.440 So you bought it with one hundred and forty on it? 575 00:29:06.440 --> 00:29:07.920 Yes? 576 00:29:08.640 --> 00:29:13.039 Okay, so Jeff vic he has a warranty. 577 00:29:13.799 --> 00:29:16.519 They're telling me the code came on one hundred and 578 00:29:16.519 --> 00:29:18.680 twelve thousand miles. 579 00:29:19.200 --> 00:29:21.799 Okay, So Jeff, before he owned it, there was a 580 00:29:21.839 --> 00:29:27.240 code and it was erased whatever that means. And now 581 00:29:27.359 --> 00:29:31.880 the warranty company is saying, even though you didn't own it, 582 00:29:31.920 --> 00:29:35.799 then the fact that there's an erased code voids the warranty. 583 00:29:36.680 --> 00:29:39.640 Now have you ever run across anything like that? Jeff. 584 00:29:40.160 --> 00:29:43.160 Well, first, welcome back, Tom. I'm glad to hear you're 585 00:29:43.160 --> 00:29:43.799 doing well. 586 00:29:44.400 --> 00:29:45.680 So thank you, Jeff. 587 00:29:46.559 --> 00:29:48.960 From one hundred and twelve to one hundred and eighty seven, 588 00:29:50.359 --> 00:29:52.799 whoever's handling this ticket should be going to bat for 589 00:29:52.880 --> 00:29:55.960 him here. It was the code that was one hundred 590 00:29:56.000 --> 00:29:59.759 and twelve thousand miles, you know, so we're talking, you know, 591 00:30:00.039 --> 00:30:03.559 almost seventy thousand miles since that code was there, you know, 592 00:30:03.599 --> 00:30:07.000 you could do a repair and erase the code and 593 00:30:07.200 --> 00:30:10.640 maybe not erase the permanent codes, but it would have 594 00:30:10.920 --> 00:30:14.200 manifested itself once again long before the one hundred maybe 595 00:30:14.240 --> 00:30:16.319 seven thousand mile mark, if somebody hadn't already performed a 596 00:30:16.359 --> 00:30:16.839 repair on that. 597 00:30:18.480 --> 00:30:23.000 Okay, So okay, that's a good point. So next question, 598 00:30:24.440 --> 00:30:26.359 what does it mean that the code was erased? 599 00:30:26.400 --> 00:30:26.720 Jeff? 600 00:30:26.960 --> 00:30:29.160 Can you guys go in and just erase codes if 601 00:30:29.160 --> 00:30:30.960 you don't want to do the repair, or does it 602 00:30:31.079 --> 00:30:32.400 mean the repair was done? 603 00:30:33.279 --> 00:30:35.920 Well, if the problem could continue to exist, even if 604 00:30:35.960 --> 00:30:38.200 you did erase the codes, it would have popped back 605 00:30:38.240 --> 00:30:40.039 up as soon as the computer recognized it again. 606 00:30:42.079 --> 00:30:46.079 So it's more is it likely when if it had 607 00:30:46.119 --> 00:30:49.720 a problem and they fixed the problem, is that also 608 00:30:49.880 --> 00:30:54.559 considered erasing it well, quickly. 609 00:30:54.160 --> 00:30:56.920 With a scanning tool and erase those codes out out 610 00:30:56.920 --> 00:30:59.599 of the computer. They won't just go away. 611 00:30:59.319 --> 00:31:04.079 On them, but they will pop up if you just 612 00:31:04.119 --> 00:31:06.359 erase it and the problem still exists. 613 00:31:06.640 --> 00:31:09.440 Yeah, yeah, once the computer recognizes that problem again. So 614 00:31:09.839 --> 00:31:12.839 you know, say it was a gear racial error, you 615 00:31:12.880 --> 00:31:15.240 know where third gear was slipping. Yeah, you're going to 616 00:31:15.279 --> 00:31:17.960 manifest that sure. So even if you erase it, and 617 00:31:18.119 --> 00:31:21.279 if you haven't performed whatever repairs are necessary in order 618 00:31:21.359 --> 00:31:25.599 to affect that the slipping in third, as soon as 619 00:31:25.599 --> 00:31:26.880 it slipps and third again, it's going. 620 00:31:26.880 --> 00:31:27.400 To come back then. 621 00:31:28.599 --> 00:31:28.920 Okay. 622 00:31:29.000 --> 00:31:30.119 Now here's what I think. 623 00:31:30.559 --> 00:31:32.880 I think the warranty company is just trying to get 624 00:31:32.880 --> 00:31:35.359 out of it, and in that regard I agree. 625 00:31:35.759 --> 00:31:36.920 I agree with the dealer. 626 00:31:37.400 --> 00:31:39.680 But the dealer also has to step up and fight 627 00:31:39.720 --> 00:31:41.400 for this guy or give him a refund. 628 00:31:41.519 --> 00:31:42.720 Yeah, John, what's the name. 629 00:31:42.599 --> 00:31:45.920 Of the Wasn't he paying directly to the warranty company, 630 00:31:46.039 --> 00:31:46.920 not through the dealer? 631 00:31:46.960 --> 00:31:50.079 I didn't get that part. Okay, it was one hundred 632 00:31:50.119 --> 00:31:52.359 and forty dollars added to go ahead. 633 00:31:53.319 --> 00:31:55.519 When I got the loan, I got the war ge 634 00:31:55.880 --> 00:31:57.960 right there at at Bright and Board. 635 00:31:59.000 --> 00:31:59.839 But about. 636 00:32:01.279 --> 00:32:04.000 Six months into it, the warranty company called me and said, 637 00:32:06.240 --> 00:32:09.640 we're going out of business, but we have another varranty 638 00:32:09.720 --> 00:32:15.960 company taking over. Oh god, so they could go oh. 639 00:32:17.200 --> 00:32:20.160 And we got listen. 640 00:32:20.599 --> 00:32:22.480 That's a hell of a thing to leave out, man, 641 00:32:22.519 --> 00:32:23.960 you should have kind of let you I know. 642 00:32:24.079 --> 00:32:26.359 That was the that was we got to take a break. 643 00:32:26.359 --> 00:32:28.759 That was the most important part of what we just heard. 644 00:32:29.000 --> 00:32:36.400 Hang on, Go with a sure thing Denver's best roofer 645 00:32:36.519 --> 00:32:39.440 Excel Roofing dot com. You don't pay a cent until 646 00:32:39.440 --> 00:32:45.920 you're content. Time for an insurance check up free, no obligation. 647 00:32:45.960 --> 00:32:49.799 In comparison, call Compass Insurance paying too much your coverage 648 00:32:49.799 --> 00:32:52.480 at dozens of insurance companies find out Now three oh 649 00:32:52.519 --> 00:32:55.440 three seven seven one help. You'll think you're his only 650 00:32:55.519 --> 00:32:58.000 customer when you choose Frank durand the Real Estate Man 651 00:32:58.039 --> 00:33:01.440 dot com to list your home with Remax Alliance three 652 00:33:01.519 --> 00:33:07.200 oh three nine two zero sixteen twenty two. Hi, Tom Martino, 653 00:33:07.240 --> 00:33:09.680 don't forget Frankurandreal Estate Man dot com will do free 654 00:33:09.759 --> 00:33:12.759 market valuations of your home. Just ask what will my 655 00:33:12.839 --> 00:33:14.519 house self for? He'll tell you what it will sell 656 00:33:14.599 --> 00:33:17.039 for what you'll clear and what you can buy. It's 657 00:33:17.079 --> 00:33:20.920 all complimentary. Three oh three nine two zero sixteen twenty 658 00:33:20.920 --> 00:33:24.400 two Frank Duranderealestate Maan dot Com. You know, John, listen, man, 659 00:33:24.680 --> 00:33:28.039 I'm gonna put deputy doc on this. I want deputy 660 00:33:28.079 --> 00:33:30.000 doc to call the dealer and get the lowdown and 661 00:33:30.039 --> 00:33:31.000 get their perspective. 662 00:33:31.839 --> 00:33:32.480 There could be. 663 00:33:32.440 --> 00:33:34.440 A situation here which you don't want to hear, but 664 00:33:34.440 --> 00:33:36.440 I'm going to tell you. It could be that this 665 00:33:36.559 --> 00:33:40.200 damn place is no longer obligated to you because they're 666 00:33:40.200 --> 00:33:43.240 out of business and the new company is just taking over. 667 00:33:44.759 --> 00:33:45.920 Gratus maybe. 668 00:33:45.960 --> 00:33:48.559 And if that's the case, man, this is it's a 669 00:33:48.640 --> 00:33:51.799 major problem because the warranties are only as good as 670 00:33:51.839 --> 00:33:57.039 the warranty company. Cynthia, start your problem with this ophtalmologist. 671 00:33:57.079 --> 00:33:57.720 What's going on? 672 00:33:59.240 --> 00:34:02.640 Well, I this doctor because I have dry eye. The 673 00:34:02.720 --> 00:34:06.599 first time I saw him, he said, you know, I'll 674 00:34:06.640 --> 00:34:12.280 give you a prescription bottle of you know, eye drops, 675 00:34:12.920 --> 00:34:14.559 and I want to see you back in the week. 676 00:34:15.039 --> 00:34:18.039 So I came back and he says, oh, no, nothing's working. 677 00:34:18.480 --> 00:34:21.639 I've got to give you this dry eye mask. Well, 678 00:34:21.760 --> 00:34:26.320 he sold it to me for one thousand and fifty dollars. 679 00:34:26.920 --> 00:34:29.159 I you know you're at a point where you can't 680 00:34:29.159 --> 00:34:31.000 see that. Well, you go. I got to do it. 681 00:34:31.920 --> 00:34:36.280 And then I went online to the manufacturer and it 682 00:34:36.480 --> 00:34:40.000 sells for eighty seven dollars in ninety nine cents. 683 00:34:40.719 --> 00:34:42.079 I have what did you sell it for? 684 00:34:42.920 --> 00:34:43.320 How much? 685 00:34:43.400 --> 00:34:47.880 One thousand dollars in one thousand and fifty? 686 00:34:48.440 --> 00:34:51.440 Oh my god? Why did he mark it up so much? 687 00:34:52.320 --> 00:34:55.400 I have no idea. He will not take a phone call. 688 00:34:56.000 --> 00:34:58.159 The only thing you could do is go in and 689 00:34:58.239 --> 00:35:02.840 see him. And I don't want to charge medical Okay, another. 690 00:35:02.679 --> 00:35:02.920 All right? 691 00:35:02.960 --> 00:35:05.639 You hold on, You hold on and we'll talk about it. 692 00:35:05.679 --> 00:35:09.159 That sounds outrageous to me. Again, there is no law 693 00:35:09.199 --> 00:35:11.760 on pricing that I know of for that, but we'll 694 00:35:11.760 --> 00:35:17.239 talk about it. That sounds almost abusive to me. Hold on, 695 00:35:17.639 --> 00:35:22.639 I'm Tom Martine Moore coming up. Go with a sure 696 00:35:22.760 --> 00:35:25.880 thing Denver's Best roofer Excel roofing dot com. 697 00:35:25.920 --> 00:35:27.920 You don't pay a cent until you're content. 698 00:35:31.280 --> 00:35:34.840 Time for an insurance checkup, free no obligation comparison call 699 00:35:34.960 --> 00:35:38.280 Compass Insurance paying too much your coverage at dozens of 700 00:35:38.280 --> 00:35:40.960 insurance companies find out now three oh three, seven to 701 00:35:41.039 --> 00:35:43.840 seven to one help. You'll think you're his only customer 702 00:35:43.880 --> 00:35:46.119 when you choose Frank durand the real estate Man dot 703 00:35:46.159 --> 00:35:49.440 com to list your home with Remax Alliance three oh 704 00:35:49.519 --> 00:35:52.960 three nine two zero sixteen twenty two. 705 00:35:57.000 --> 00:36:05.320 Rip new need advice, so you don't help, come running 706 00:36:05.559 --> 00:36:06.960 just as fast as we can. 707 00:36:08.239 --> 00:36:09.519 Shooter's gonna help. 708 00:36:09.800 --> 00:36:13.880 Come man, This is the Troubleshooter Show. 709 00:36:14.519 --> 00:36:20.159 No Tom Martino, Hey, Tom Martino here, Welcome to the show. 710 00:36:20.199 --> 00:36:23.480 Three oh three seven one three talk seven one three 711 00:36:24.079 --> 00:36:25.440 eight two five five. 712 00:36:25.840 --> 00:36:27.199 What's going on in your life? 713 00:36:27.559 --> 00:36:30.760 We love helping you, so call us with any problems, 714 00:36:30.840 --> 00:36:33.719 questions or complaints. Don't forget fix at twenty four to 715 00:36:33.760 --> 00:36:34.920 seven will take care of your son. 716 00:36:35.000 --> 00:36:37.199 Pump fifty nine bucks. 717 00:36:37.320 --> 00:36:40.840 And it's well worth it. It's fixed at twenty four 718 00:36:40.880 --> 00:36:43.800 to seven, seventy zero five two six, thirty nine, thirty 719 00:36:43.880 --> 00:36:46.599 nine or wait wait is it fifteen nine or forty? 720 00:36:46.639 --> 00:36:48.239 I know it's forty nine? I believe. 721 00:36:48.480 --> 00:36:53.480 And that's a complete um check cleaning uh lube if 722 00:36:53.519 --> 00:36:57.280 it takes it, and a no breakdown guarantee that the 723 00:36:57.320 --> 00:36:59.519 spring rains are coming, you can use it. Fix it 724 00:37:00.320 --> 00:37:04.000 and it's fixedmihome dot com Book now fixmihome dot com. 725 00:37:04.199 --> 00:37:07.039 So Barry Miller just joined us from Vestera Turnkey. 726 00:37:07.079 --> 00:37:07.960 He'll be with us. 727 00:37:08.280 --> 00:37:15.199 We also have deputy doc and deputy D for Dimitri and. 728 00:37:16.719 --> 00:37:18.400 Anyone else who wants to join us. 729 00:37:18.519 --> 00:37:20.760 Just come on in and just tell me here for 730 00:37:20.800 --> 00:37:24.039 the Martino Show to let you in. And I'm doing 731 00:37:24.079 --> 00:37:28.119 an abbreviated schedule for a while, recovering from the Whipple surgery. 732 00:37:28.639 --> 00:37:32.800 And thank god, I was pronounced cancer free based on 733 00:37:32.840 --> 00:37:36.960 all the pathology and now it's just getting healthy again. 734 00:37:37.519 --> 00:37:41.440 And it was a hell of a thing. Wow, just 735 00:37:41.480 --> 00:37:44.719 out of the blue, thinking I'm doing everything right healthwise. 736 00:37:45.320 --> 00:37:48.719 But it did help me recover pretty quickly from that 737 00:37:48.800 --> 00:37:51.920 major surgery two weeks ago. So let's go back now, 738 00:37:52.519 --> 00:37:55.719 Cynthia says, Now, and I understand this, by the way, 739 00:37:56.119 --> 00:38:00.880 this happens, Mark, doesn't this happen in every single every 740 00:38:00.960 --> 00:38:05.599 single category we have auto home health? 741 00:38:06.559 --> 00:38:08.599 You know what it reminds me of We had a 742 00:38:08.719 --> 00:38:13.400 Cairo practor that sold somebody like a red light and 743 00:38:13.440 --> 00:38:17.360 they found the exact same one, I mean identical one, 744 00:38:17.440 --> 00:38:22.159 same manufacturer, same model number on Amazon for like seventy 745 00:38:22.280 --> 00:38:26.800 nine dollars and the chiropractor sold it for like sixteen hundred. 746 00:38:29.159 --> 00:38:29.440 Yes. 747 00:38:29.760 --> 00:38:32.960 Now, Cynthia says she went to a doctor for dry 748 00:38:33.039 --> 00:38:38.840 eyes and you tried drops it first, and then that 749 00:38:38.880 --> 00:38:42.320 didn't work, and he sold you this dry eye mask. 750 00:38:43.000 --> 00:38:46.519 Now, Cynthia, what is this mask like? Is it like 751 00:38:46.559 --> 00:38:47.320 a Zoro. 752 00:38:47.159 --> 00:38:50.159 Mask that goes across your or the Lone Ranger? It 753 00:38:50.199 --> 00:38:51.840 goes across your eyes like that? 754 00:38:52.920 --> 00:38:59.880 Yes, and it's it's and then it's a heated mask. 755 00:39:02.519 --> 00:39:07.880 And you're supposed to wear it at night. Yes, and 756 00:39:07.920 --> 00:39:12.480 it's supposed to basically help you retain moisture. 757 00:39:12.519 --> 00:39:13.400 How does that work? 758 00:39:15.280 --> 00:39:18.159 I'm not real sure what it will. It's moist teeth, 759 00:39:18.360 --> 00:39:19.280 so yes, it will. 760 00:39:20.280 --> 00:39:20.960 Okay, help me get it. 761 00:39:21.199 --> 00:39:24.679 Did it work for you? Did it work for you? 762 00:39:24.519 --> 00:39:24.920 Do you know? 763 00:39:25.519 --> 00:39:27.880 Something in my gut told me something was wrong? And 764 00:39:27.960 --> 00:39:30.719 I didn't even try it. And that's when I looked 765 00:39:30.760 --> 00:39:35.400 on the manufacturer's website and saw how much I was 766 00:39:35.440 --> 00:39:38.840 being charged for it that you know you were. 767 00:39:38.719 --> 00:39:44.039 Being charged one thousand? Yes, and you can buy it 768 00:39:44.079 --> 00:39:45.000 on Amazon for what. 769 00:39:47.039 --> 00:39:50.760 I didn't check Amazon. I checked a manufacturer and I 770 00:39:50.760 --> 00:39:55.320 can buy it for eighty seven ninety nine. 771 00:39:54.679 --> 00:39:56.760 And they will sell it to you if you wanted 772 00:39:56.760 --> 00:39:58.599 to buy it right now? You could buy it for 773 00:39:58.639 --> 00:39:59.880 eighty seven ninety nine? 774 00:40:00.840 --> 00:40:01.000 Right? 775 00:40:02.679 --> 00:40:03.320 What's the name? 776 00:40:04.280 --> 00:40:04.760 Check something? 777 00:40:05.360 --> 00:40:05.719 Go ahead? 778 00:40:05.760 --> 00:40:06.039 Doctor? 779 00:40:06.119 --> 00:40:09.119 Also I had to do is contact the Medical Board. 780 00:40:09.360 --> 00:40:12.559 Once a patient makes a complaint, the doctor has to 781 00:40:12.599 --> 00:40:15.800 submit what's called the thirty day letter. Within thirty days 782 00:40:15.840 --> 00:40:19.280 after he is notified of the complaint. He must give 783 00:40:19.320 --> 00:40:22.840 them a written explanation of of what the issue is 784 00:40:23.159 --> 00:40:26.719 and they will decide whether or not to take further action. 785 00:40:27.239 --> 00:40:30.800 And the board is very very strict about okay. 786 00:40:31.239 --> 00:40:34.199 Asked something about this? Is he an ophthalmologist? 787 00:40:34.280 --> 00:40:34.800 An MD? 788 00:40:35.280 --> 00:40:38.440 Are we talking about an MD here? Okay? Then you 789 00:40:38.480 --> 00:40:40.440 would go to the medical Board and what's the name 790 00:40:40.440 --> 00:40:41.079 of that mass? 791 00:40:41.119 --> 00:40:41.480 About that? 792 00:40:41.599 --> 00:40:43.079 Tom? 793 00:40:43.280 --> 00:40:43.760 Okay? 794 00:40:43.760 --> 00:40:45.960 That's good? And what's the doc? 795 00:40:46.039 --> 00:40:48.119 Maybe you can call her and show tell her the 796 00:40:48.199 --> 00:40:49.519 number to call. 797 00:40:49.559 --> 00:40:51.119 I like to know the name of that. 798 00:40:53.079 --> 00:40:55.039 Go ahead, I'll just all you have to go to Dora. 799 00:40:55.559 --> 00:40:57.800 You go to Colorado dot gov and then go to 800 00:40:57.880 --> 00:41:01.239 Dora to Department of Raye tol Aden's and there's a. 801 00:41:01.920 --> 00:41:05.320 Now, now, can I have the name of that mask? Please? 802 00:41:06.599 --> 00:41:12.679 The mask is called Wizard Research Electric Heated dry eye 803 00:41:12.920 --> 00:41:13.760 Relief Mask. 804 00:41:15.760 --> 00:41:16.159 God. 805 00:41:17.119 --> 00:41:21.760 Okay, Wizard dry eye mask heated? Okay, I see it 806 00:41:21.800 --> 00:41:27.639 here on Amazon and on Amazon the most expensive one 807 00:41:27.679 --> 00:41:31.239 is one hundred and thirty nine and the actual one 808 00:41:31.280 --> 00:41:34.679 you're talking about is sixty four dollars. 809 00:41:35.239 --> 00:41:38.840 Right when I looked at it was eighty four something 810 00:41:38.880 --> 00:41:40.480 from the manufacturer itself. 811 00:41:41.920 --> 00:41:46.280 Okay, it's so crazy. Did you we did the thousand 812 00:41:46.320 --> 00:41:49.519 dollars or whatever he charged you? Was that for the visit, 813 00:41:49.719 --> 00:41:53.679 the diagnosis and the mask or it was just the mask? 814 00:41:54.840 --> 00:41:56.480 Good point? Good point. 815 00:41:57.760 --> 00:41:58.039 It was? 816 00:41:58.159 --> 00:42:01.960 Okay, did you The oddest thing is this? Did you 817 00:42:02.760 --> 00:42:05.599 ask him? Did you ask him about it? 818 00:42:07.360 --> 00:42:08.800 Did you bring this up? 819 00:42:11.159 --> 00:42:12.239 The charge? 820 00:42:13.679 --> 00:42:13.920 Yeah? 821 00:42:14.000 --> 00:42:17.079 Did you say, hey, I can this for eighty seven 822 00:42:17.119 --> 00:42:19.559 bucks and you sold it to me for a thousand? 823 00:42:20.719 --> 00:42:21.000 No? 824 00:42:22.000 --> 00:42:25.400 I went ahead and bought it because I could barely see. 825 00:42:25.679 --> 00:42:28.119 And then, like I said, when I got home, just 826 00:42:28.280 --> 00:42:31.519 my gut was telling me something was wrong. And there's 827 00:42:31.559 --> 00:42:34.639 no such thing as calling him. You can only go 828 00:42:34.719 --> 00:42:39.119 in and see him, and I just don't want to 829 00:42:39.119 --> 00:42:42.400 waste more of my medicare to go in. 830 00:42:42.480 --> 00:42:45.280 Wait a minute, Wait a minute, Wait a minute, Wait 831 00:42:45.280 --> 00:42:45.800 a minute. 832 00:42:47.159 --> 00:42:49.119 There's no one at that office you can call and 833 00:42:49.159 --> 00:42:49.480 talk to. 834 00:42:50.239 --> 00:42:50.400 No. 835 00:42:53.559 --> 00:42:57.159 Ok So, how do you make an appointment online. Yes, 836 00:42:59.360 --> 00:43:02.159 and and you don't want to waste your time doing that. 837 00:43:03.079 --> 00:43:04.760 No, I don't understand. 838 00:43:04.920 --> 00:43:09.400 I don't because he Tom, you and I are the 839 00:43:09.480 --> 00:43:14.000 same age. And I know somebody snapping their finger at 840 00:43:14.000 --> 00:43:15.639 me telling me to pay attention. 841 00:43:17.199 --> 00:43:18.840 And is that what he did? 842 00:43:19.760 --> 00:43:19.960 Yeah? 843 00:43:20.039 --> 00:43:22.280 What's the what's the name of the eye doctor? What's 844 00:43:22.280 --> 00:43:22.760 the name? 845 00:43:23.559 --> 00:43:29.559 Well, it's Colorado I Clinic and the doctor's name it's 846 00:43:29.599 --> 00:43:39.159 a foreign name. I probably won't say it correctly. Uh goodness, 847 00:43:39.199 --> 00:43:42.559 I'm sorry. I can't even have a Roona or something 848 00:43:42.639 --> 00:43:44.960 like that. I'm horrible with Okay. 849 00:43:44.960 --> 00:43:47.480 Last name, just spell it for me. 850 00:43:48.199 --> 00:43:52.360 Well, wait a minute, you know what John just brought 851 00:43:52.480 --> 00:43:54.519 something interesting up I didn't think about. 852 00:43:55.000 --> 00:43:57.000 I mean, Medicare paid for this, right? 853 00:43:58.599 --> 00:44:01.039 Yes? No, I'm sorry they did not. 854 00:44:01.719 --> 00:44:03.519 They did, so you paid out of pocket? 855 00:44:04.320 --> 00:44:04.559 Yes? 856 00:44:04.880 --> 00:44:10.039 Okay, he said that this was not covered. Because he 857 00:44:10.119 --> 00:44:13.960 said that this was not covered by medicare you know? 858 00:44:14.119 --> 00:44:14.320 Tom? 859 00:44:14.360 --> 00:44:16.599 I think this such you call, but I have to 860 00:44:16.639 --> 00:44:19.639 say this. It's like who do we get on when 861 00:44:19.639 --> 00:44:21.639 it comes to a light switch that you can buy 862 00:44:21.639 --> 00:44:23.960 at home depot for a dollar. And so I know 863 00:44:24.519 --> 00:44:26.480 I know, or even better yet, I go back to 864 00:44:26.519 --> 00:44:30.079 my automotive days, my tired days with Goodyear, a valve 865 00:44:30.159 --> 00:44:32.880 stem would cost me ten cents and I'd sell them 866 00:44:32.880 --> 00:44:35.519 for three ninety nine all day long. That's like four 867 00:44:35.559 --> 00:44:36.800 hundred percent markup. 868 00:44:37.719 --> 00:44:39.559 I think there's a difference, you know, when it's a 869 00:44:39.599 --> 00:44:44.000 person of trust, when you're relying on someone's professional conduct 870 00:44:44.480 --> 00:44:47.440 and she has looking at the news by contacting the board. 871 00:44:47.559 --> 00:44:48.199 Doc, I don't know. 872 00:44:48.280 --> 00:44:50.079 You go into a hospital and you look at your 873 00:44:50.119 --> 00:44:52.880 bill for an advill it could be forty dollars and 874 00:44:52.920 --> 00:44:58.920 somehow that's okay, you. 875 00:44:58.840 --> 00:45:02.599 Know, here's the thing. But here's the thing we're missing. 876 00:45:02.639 --> 00:45:05.800 First of all, Okay, let's just say you were gouged 877 00:45:05.840 --> 00:45:07.159 with the price, but. 878 00:45:07.079 --> 00:45:10.400 You didn't even give it a chance. What if it works? 879 00:45:12.360 --> 00:45:17.159 Because I went to another eye doctor and that wasn't 880 00:45:17.199 --> 00:45:19.159 even the diagnosis of dry eye. 881 00:45:23.079 --> 00:45:27.760 What did they say? 882 00:45:25.800 --> 00:45:31.800 They said that what I needed was to have a correction, 883 00:45:32.159 --> 00:45:34.760 a correction in cataract surgery. 884 00:45:37.000 --> 00:45:41.239 Okay, So what I want to know is how much 885 00:45:42.039 --> 00:45:43.639 was the eye exam itself? 886 00:45:45.639 --> 00:45:51.000 That I don't know, since Medicare paid for it, how 887 00:45:51.039 --> 00:45:51.400 do you know? 888 00:45:51.480 --> 00:45:54.360 Okay, so you know that the mask you were paying 889 00:45:54.360 --> 00:46:00.480 for the mask because you pay that directly. Right, so 890 00:46:00.599 --> 00:46:05.199 everything else was covered by medicare, right or is it medicare? 891 00:46:05.239 --> 00:46:05.639 Okay? 892 00:46:06.039 --> 00:46:09.400 So listen, I don't know what to do about this one. 893 00:46:09.519 --> 00:46:11.119 I don't think there is an answer. If you want 894 00:46:11.119 --> 00:46:12.880 to know the truth, I think Doc, I don't think 895 00:46:12.920 --> 00:46:14.000 they did anything wrong. 896 00:46:14.119 --> 00:46:15.360 Well, I think DOC nailed it. 897 00:46:15.480 --> 00:46:17.639 Because if I'm a doctor and I have the board 898 00:46:17.920 --> 00:46:20.480 writing me a letter about one thousand dollars thing that 899 00:46:20.519 --> 00:46:23.400 you can buy for sixty nine books, along with possibly 900 00:46:23.400 --> 00:46:26.519 a wrong diagnosis, I might just do the refund and 901 00:46:26.960 --> 00:46:32.639 call it a day. Is this in Greenwood Village? 902 00:46:32.920 --> 00:46:35.960 Absolutely nothing to lose by writing a letter to the board. 903 00:46:39.039 --> 00:46:39.679 Let's do that. 904 00:46:40.840 --> 00:46:44.639 Go to door Department of Regulatory Agencies and then call 905 00:46:44.719 --> 00:46:45.079 us back. 906 00:46:45.119 --> 00:46:46.280 Though we want to hear from you. 907 00:46:46.639 --> 00:46:49.400 We have it written down here, and I'd like I'd 908 00:46:49.480 --> 00:46:51.280 like to know what they do or what they say, 909 00:46:51.519 --> 00:46:54.400 because this has to be This can't be the only 910 00:46:54.480 --> 00:46:57.880 time this has happened, and it's not the only clinic. 911 00:46:58.039 --> 00:47:00.199 And get this all the time, Cynthia. 912 00:47:00.119 --> 00:47:02.360 Got to do it too. Don't just like yes us, 913 00:47:02.360 --> 00:47:04.320 you're the one that's got to write it because you 914 00:47:04.320 --> 00:47:07.039 were the patient. So I mean rarely do it. It's 915 00:47:07.079 --> 00:47:09.400 not that big of a deal. It's not like it's 916 00:47:09.440 --> 00:47:12.199 gonna take you an hour. I mean, it's really easy to. 917 00:47:12.199 --> 00:47:14.880 Do well right now? 918 00:47:16.440 --> 00:47:20.880 Yeah, good, call us back with the results. Let us 919 00:47:20.960 --> 00:47:24.599 know if you hear from them or what the board says. 920 00:47:25.079 --> 00:47:28.280 I'm Tom Martinez. Compass Insurance will do an insurance checkup. 921 00:47:29.000 --> 00:47:33.599 Find out if you're adequately insured, maybe you're paying too much, 922 00:47:34.320 --> 00:47:36.719 maybe you don't have the right coverage. It's all free 923 00:47:36.719 --> 00:47:41.599 of charge. Three h three nine nine six nine more 924 00:47:41.639 --> 00:47:48.719 coming up. Yeah, go with a sure thing Denver's best 925 00:47:48.800 --> 00:47:51.679 roofer Excel Roofing dot com. You don't pay a cent 926 00:47:51.880 --> 00:47:57.960 until you're content. Time for an insurance check up free, 927 00:47:58.039 --> 00:48:01.760 no obligation. In comparison, call this insurance paying too much 928 00:48:01.880 --> 00:48:04.840 your coverage at dozens of insurance companies find out now 929 00:48:04.920 --> 00:48:07.199 three all three seven to seven to one help. You'll 930 00:48:07.199 --> 00:48:09.960 think you're his only customer when you choose Frank durand 931 00:48:09.960 --> 00:48:12.400 the real estate Man dot com to list your home 932 00:48:12.639 --> 00:48:15.800 with Remax Alliance three all three nine two zero sixteen 933 00:48:15.840 --> 00:48:22.719 twenty two. Hi Tom Martino, you're a troubleshooter three oh 934 00:48:22.719 --> 00:48:27.719 three seven on three Talk skinny Skinny's on the line. 935 00:48:27.800 --> 00:48:30.079 That's their name, not mine. I didn't give it to him. 936 00:48:30.119 --> 00:48:33.440 So Skinny wants to talk about a contractor shoot Skinny, 937 00:48:33.480 --> 00:48:34.079 what's going on? 938 00:48:36.000 --> 00:48:38.000 Hey Tom, glad to hear you doing better. 939 00:48:38.000 --> 00:48:40.079 A long time fan here, Thank you. 940 00:48:40.559 --> 00:48:43.400 I I I am. 941 00:48:43.800 --> 00:48:43.920 So. 942 00:48:44.199 --> 00:48:46.000 I just bought a new house and it's got sort 943 00:48:46.039 --> 00:48:47.559 of an unfinished. 944 00:48:47.119 --> 00:48:49.159 Driveway at a bunch of areas. 945 00:48:49.360 --> 00:48:53.280 I'm doing all sorts of renovation and everything to this house. 946 00:48:53.639 --> 00:48:56.800 As we were jumping arriving at the house, this guy 947 00:48:56.800 --> 00:48:59.440 pulls in in a truck and says, hey, man, we 948 00:48:59.559 --> 00:49:04.400 have we do blacktop paving stuff, and we've got like 949 00:49:04.639 --> 00:49:05.519 extra material. 950 00:49:06.079 --> 00:49:09.239 I'll give you a super goods That is the number one. 951 00:49:09.400 --> 00:49:12.400 That's the number one red flag for a scam. Just 952 00:49:12.440 --> 00:49:15.679 happy to be in the neighborhood. We have materials, so. 953 00:49:15.599 --> 00:49:16.239 Go keep going. 954 00:49:17.599 --> 00:49:17.960 Yeah. 955 00:49:18.000 --> 00:49:21.519 So, but on the same I'm actually got lots of 956 00:49:21.519 --> 00:49:25.480 plans to do some do some you know, resurfacing and everything. 957 00:49:25.559 --> 00:49:27.239 So I said, oh, this could be good. 958 00:49:27.239 --> 00:49:29.519 And I actually have some money set aside, and so 959 00:49:29.599 --> 00:49:31.960 I could spend a couple of bucks and maybe start this. 960 00:49:31.920 --> 00:49:33.039 Process and see what it's like. 961 00:49:33.559 --> 00:49:38.800 So anyway, he just says it's uh, it's he kind 962 00:49:38.800 --> 00:49:40.800 of says he's got some trucks and all of this, 963 00:49:41.000 --> 00:49:42.079 and he says. 964 00:49:41.840 --> 00:49:43.320 He's going to do four dollars. 965 00:49:42.960 --> 00:49:45.480 A square foot. And then we actually do a little 966 00:49:45.480 --> 00:49:47.719 bit of research and apparently this does go out. 967 00:49:47.599 --> 00:49:49.199 At six to eight dollars. 968 00:49:49.000 --> 00:49:51.639 A square foot when it's you know, blacktop, Is that correct? 969 00:49:51.920 --> 00:49:55.679 We kind of looked on Google, well it so it depends. 970 00:49:55.760 --> 00:49:56.920 I mean, but here's the point. 971 00:49:58.000 --> 00:50:01.280 You can't just do blacktop without pres being properly, so 972 00:50:01.639 --> 00:50:03.679 let's get to the problem. 973 00:50:04.400 --> 00:50:04.599 Yeah. 974 00:50:04.679 --> 00:50:08.440 So now they end up dropping the material and I'm 975 00:50:08.440 --> 00:50:10.679 like cool. And by the way, the only thing they 976 00:50:10.679 --> 00:50:14.440 had said was the only numbers I got was a 977 00:50:14.559 --> 00:50:20.000 thousand square feet and four dollars of square foot, so 978 00:50:20.000 --> 00:50:23.119 I'm thinking four grand. So I'm like, okay, great. 979 00:50:22.960 --> 00:50:26.599 Yeah, but wait a minute, but wait a minute, skinny, skinny, 980 00:50:27.079 --> 00:50:31.159 hold on, bro, you know you're hopping through all. You're 981 00:50:31.239 --> 00:50:35.400 skipping the main point. You were expecting this and expecting that. 982 00:50:35.679 --> 00:50:38.559 Did you ever think to have it written down like 983 00:50:38.920 --> 00:50:42.119 one thousand feet at four dollars a foot and then 984 00:50:42.199 --> 00:50:44.920 you sign it with the contractor or did you do 985 00:50:45.000 --> 00:50:48.079 this all on a handshake? No? 986 00:50:48.280 --> 00:50:50.159 Yeah, I thought it was just going to be casual 987 00:50:50.760 --> 00:50:54.320 and not a big deal, right, yeah. 988 00:50:53.960 --> 00:50:57.039 Okay, And so so you were figuring in your head 989 00:50:57.400 --> 00:50:59.840 one thousand feet at four dollars a foot. 990 00:51:00.239 --> 00:51:02.599 Where did you get the four dollars a foot? 991 00:51:03.480 --> 00:51:04.400 That's what he told me. 992 00:51:04.440 --> 00:51:05.800 That's what he told me. The price would be. 993 00:51:06.480 --> 00:51:09.199 Well, how many square feet? Well, driveway though, I mean, 994 00:51:09.280 --> 00:51:10.280 like seriously. 995 00:51:09.920 --> 00:51:12.360 He said a thousand. I don't know, he said one thousand. 996 00:51:12.440 --> 00:51:13.280 Is it a thousand? 997 00:51:13.480 --> 00:51:16.119 So one thousand by one foot? 998 00:51:17.039 --> 00:51:20.480 Well, what they ended up dropping one thousand. 999 00:51:20.199 --> 00:51:24.360 Square feet is what he's saying. Okay, well that's. 1000 00:51:24.159 --> 00:51:26.400 What That's what I got, was a thousand square But 1001 00:51:26.480 --> 00:51:28.159 that's the only kind of numbers they throw up. A 1002 00:51:28.199 --> 00:51:32.280 thousand and four dollars a square foot. Well, skinny, well. 1003 00:51:32.599 --> 00:51:35.639 Tell me did they did they do the blacktop or not? 1004 00:51:37.199 --> 00:51:41.000 They did the blacktop? Yes, what prep did they do? 1005 00:51:41.079 --> 00:51:43.320 But hold on how many square feet? I'm dying to 1006 00:51:43.400 --> 00:51:43.719 know that. 1007 00:51:45.440 --> 00:51:46.480 Well, this is the problem. 1008 00:51:46.559 --> 00:51:50.599 Yes, they'd ended up dropping four trucks, so now that's 1009 00:51:52.440 --> 00:51:55.960 four thousand square feet. Right when they actually calculated out 1010 00:51:56.360 --> 00:51:59.760 the thing, the bill ended up coming to seventeen thousand dollars. 1011 00:52:00.800 --> 00:52:06.480 All right, skinny skinny, Are you blaming them? What about 1012 00:52:06.480 --> 00:52:07.159 your part in this? 1013 00:52:08.760 --> 00:52:09.440 Absolutely? 1014 00:52:09.480 --> 00:52:11.639 I think I have a part where I didn't insist 1015 00:52:11.719 --> 00:52:14.000 on an actual dollar quote. 1016 00:52:15.280 --> 00:52:19.119 Yeah, or a contract of any kind. 1017 00:52:19.119 --> 00:52:19.559 Correct? 1018 00:52:19.599 --> 00:52:21.960 Can you even, skinny skinny? 1019 00:52:23.039 --> 00:52:26.400 What if this guy says, look, I did the blacktop, 1020 00:52:26.840 --> 00:52:29.559 he pays the bill. I never said anything about a 1021 00:52:29.639 --> 00:52:32.599 thousand square feet. I never said anything about four dollars 1022 00:52:32.679 --> 00:52:34.480 a foot. By the way, did he keep the four 1023 00:52:34.519 --> 00:52:35.239 dollars a foot? 1024 00:52:36.920 --> 00:52:40.159 Yes, yes, because when he measured it out, he did 1025 00:52:40.199 --> 00:52:45.639 it with an accurate measuring tool. And I believe them 1026 00:52:45.679 --> 00:52:49.320 now that it's definitely larger than one thousand square feet. 1027 00:52:50.679 --> 00:52:54.039 So actually he did four dollars. I'm a little confused here. 1028 00:52:54.079 --> 00:52:57.719 He actually stuck to the four dollars to square foot. 1029 00:52:59.280 --> 00:53:01.559 But and you said that it went with a good price. 1030 00:53:01.679 --> 00:53:04.679 You just said, so if the job looks good, and 1031 00:53:04.920 --> 00:53:06.920 that is a good price. And I don't know if 1032 00:53:06.960 --> 00:53:09.280 it is or isn't. I don't even know what the 1033 00:53:09.360 --> 00:53:12.800 problem is with the exception. You're saying you didn't do 1034 00:53:12.880 --> 00:53:14.000 the math right in your head. 1035 00:53:15.599 --> 00:53:17.079 Well, okay, he. 1036 00:53:17.159 --> 00:53:20.159 Quoted a thousand square feet is a truck. 1037 00:53:20.440 --> 00:53:21.239 I didn't know yet. 1038 00:53:21.639 --> 00:53:22.679 How can you prove that. 1039 00:53:23.039 --> 00:53:26.119 How can you prove that he said to you it'll 1040 00:53:26.119 --> 00:53:27.400 be a thousand square feet? 1041 00:53:27.760 --> 00:53:28.639 How do you prove that. 1042 00:53:30.519 --> 00:53:31.920 We don't We just had a conversation. 1043 00:53:32.000 --> 00:53:32.840 It was really quick. 1044 00:53:34.440 --> 00:53:39.039 So if I say to him, you overcharged Skinny, because 1045 00:53:39.159 --> 00:53:42.039 it's now seventeen grand and he was thinking four grand, 1046 00:53:42.440 --> 00:53:45.320 and this guy says, I never told him a thousand 1047 00:53:45.400 --> 00:53:47.719 square feet, But then we're out of stalemate. 1048 00:53:47.800 --> 00:53:48.199 It's done. 1049 00:53:48.519 --> 00:53:51.880 You know you with you didn't even sign a contract, 1050 00:53:51.920 --> 00:53:54.719 tom if there truly is no contract whatsoever, and this 1051 00:53:54.760 --> 00:53:57.639 guy hasn't paid him. I mean, they could lean the 1052 00:53:57.679 --> 00:53:59.639 property and they're going to end up having a day 1053 00:53:59.639 --> 00:54:02.400 in Core. And this guy can simply say they didn't 1054 00:54:02.480 --> 00:54:05.679 quote me that much. They quoted me four thousand. I mean, 1055 00:54:05.760 --> 00:54:07.280 I don't know who would win, and it's. 1056 00:54:07.159 --> 00:54:10.599 Not going to work. This guy, Skinny's gonna lose, okay, 1057 00:54:10.840 --> 00:54:13.280 because while it was being done, he saw how much 1058 00:54:13.360 --> 00:54:16.719 was out there. He had every opportunity to measure. He 1059 00:54:16.800 --> 00:54:20.280 can't see people. You can't just sit on your ass 1060 00:54:20.559 --> 00:54:25.039 and expect everyone to carry your water. Here's the bottom line. 1061 00:54:25.239 --> 00:54:26.840 You have responsibilities. 1062 00:54:27.239 --> 00:54:27.599 Today. 1063 00:54:27.639 --> 00:54:30.360 We've had several calls, or not several, but we've had 1064 00:54:30.400 --> 00:54:36.280 calls where people blame a contractor because they were asleep 1065 00:54:36.280 --> 00:54:36.880 at the wheel. 1066 00:54:37.119 --> 00:54:39.079 All I can say is this, if I was. 1067 00:54:39.039 --> 00:54:42.199 Having blacktop put on my home, not only would I 1068 00:54:42.239 --> 00:54:45.440 want to know the quantity and the square footage, I'd 1069 00:54:45.440 --> 00:54:48.199 want to know what prep they're doing. I'm more concerned 1070 00:54:48.199 --> 00:54:51.920 about not the seventeen grand, but what if this stuff 1071 00:54:51.960 --> 00:54:55.199 starts coming up now because it doesn't have enough oil 1072 00:54:55.679 --> 00:54:58.519 or he didn't prep it right? How did they prep it, Skinny, 1073 00:54:58.840 --> 00:55:01.559 How did they prep it? 1074 00:55:01.760 --> 00:55:04.480 They kind of scraped the ground a little bit and 1075 00:55:04.519 --> 00:55:05.039 they had a. 1076 00:55:04.960 --> 00:55:07.320 Little bit of a They had the proper tools with him. 1077 00:55:07.320 --> 00:55:09.719 But you are correct, I don't know if this has 1078 00:55:09.760 --> 00:55:13.039 been well done. It quite frankly doesn't look like a 1079 00:55:13.079 --> 00:55:14.039 super pro job. 1080 00:55:17.280 --> 00:55:19.679 Okay, here's what you need to do. I'm going to 1081 00:55:19.719 --> 00:55:20.440 give you homework. 1082 00:55:20.960 --> 00:55:23.360 You need to have a blacktop contractor come out and 1083 00:55:23.360 --> 00:55:25.960 look at it, and you need to get an assessment 1084 00:55:26.000 --> 00:55:28.880 of the job if the job is substandard. 1085 00:55:29.559 --> 00:55:32.280 By the way, was a building permit required for this? 1086 00:55:34.360 --> 00:55:34.519 You know? 1087 00:55:34.639 --> 00:55:37.280 I mean I had the conversation and the guys were 1088 00:55:37.320 --> 00:55:39.239 and I said cool, because I thought it was going 1089 00:55:39.280 --> 00:55:41.760 to be four brand, And like the guys were there 1090 00:55:41.760 --> 00:55:42.559 in twenty minutes. 1091 00:55:43.280 --> 00:55:43.880 It was crazy. 1092 00:55:44.679 --> 00:55:47.280 Hey, Skinny, all right, Something else for your homework is 1093 00:55:47.599 --> 00:55:50.199 you got to find out if this contractor was required 1094 00:55:50.239 --> 00:55:52.000 to have a license to do this kind of work 1095 00:55:52.000 --> 00:55:55.360 in your jurisdiction. And the second thing is does this 1096 00:55:55.440 --> 00:55:57.800 kind of a job require a permit. You can get 1097 00:55:57.840 --> 00:56:00.559 both those questions answered by calling your city or county 1098 00:56:00.559 --> 00:56:01.360 building to pregnant. 1099 00:56:01.840 --> 00:56:03.280 Now help your dec As. 1100 00:56:03.280 --> 00:56:07.840 Far as Skinny's obligation to this contractor, if the contractor 1101 00:56:07.920 --> 00:56:12.639 is unlicensed, that doesn't mean you don't owe him. Licensing 1102 00:56:12.719 --> 00:56:15.960 is a separate issue. Here's the main issue right now, 1103 00:56:17.199 --> 00:56:21.280 Quantum marriwit, what did you get for the money? Were 1104 00:56:21.280 --> 00:56:25.400 you cheated? Was it substandard? You need to start building 1105 00:56:25.400 --> 00:56:28.800 a case on your own. But you don't get someone 1106 00:56:28.800 --> 00:56:31.960 who simply exaggerates. You get someone who'll give you an 1107 00:56:31.960 --> 00:56:35.800 honest assessment of that blacktop and they say, you know 1108 00:56:35.960 --> 00:56:36.880 it's not that bad. 1109 00:56:37.360 --> 00:56:38.119 Now, did it. 1110 00:56:38.079 --> 00:56:41.280 Go over greenery or did it go over existing blacktop? 1111 00:56:43.360 --> 00:56:48.360 It went over existing sort of gravel driveway. Dirt and 1112 00:56:48.400 --> 00:56:49.599 gravel driveway. 1113 00:56:49.239 --> 00:56:53.880 Okay, that's good. Dirt and gravel, that's good. Did they 1114 00:56:54.159 --> 00:56:57.480 do any kind of oiling first? Any kind of tar 1115 00:56:58.000 --> 00:57:00.679 or did they just take the blacktop and put it 1116 00:57:00.719 --> 00:57:01.440 over the ground. 1117 00:57:03.199 --> 00:57:04.679 I think they just put it over the ground. 1118 00:57:07.159 --> 00:57:13.639 Okay, you know you I don't. The worst thing ever, 1119 00:57:13.760 --> 00:57:16.599 you broke every rule in the book. The first one 1120 00:57:16.679 --> 00:57:20.079 is you were solicited at the door, and never ever, 1121 00:57:20.239 --> 00:57:24.079 ever accept a contract based on someone coming to your door. 1122 00:57:24.239 --> 00:57:26.960 Now I'm not saying not to hire them. I'm saying 1123 00:57:27.000 --> 00:57:29.199 don't do it because they came to your door. If 1124 00:57:29.239 --> 00:57:32.119 you're thinking of blacktop and somebody came by and said, 1125 00:57:32.159 --> 00:57:34.960 I happen to be in the neighborhood with material I'd say, okay, 1126 00:57:35.000 --> 00:57:36.960 give me your card and I'll let you know what 1127 00:57:37.039 --> 00:57:37.519 I find. 1128 00:57:37.760 --> 00:57:40.840 I'm going to shop around. You don't just take someone. 1129 00:57:40.559 --> 00:57:43.079 Because they pull up in a pickup truck and say, hey, 1130 00:57:43.119 --> 00:57:45.159 I happen to be in the neighborhood. I mean, you 1131 00:57:45.199 --> 00:57:49.559 were literally pray because I'll guarantee you they weren't in 1132 00:57:49.599 --> 00:57:52.840 the neighborhood with materials. I'll guarantee you that it's probably 1133 00:57:53.199 --> 00:57:54.639 it's probably not a good job. 1134 00:57:57.559 --> 00:57:58.480 I hope I'm wrong. 1135 00:58:00.559 --> 00:58:06.679 So where did you check the pricing? I just on Google. 1136 00:58:07.360 --> 00:58:10.079 When you ask, like, you know, what's the typical pricing 1137 00:58:10.280 --> 00:58:12.679 of getting blacktop done. 1138 00:58:14.280 --> 00:58:22.400 Okay, and blacktop again? All right, I'm finding here. I 1139 00:58:22.480 --> 00:58:27.159 just looked it up. Typical range in Denver Metro and 1140 00:58:27.199 --> 00:58:32.119 this is is three to seven dollars a foot, and 1141 00:58:32.199 --> 00:58:35.440 if it's under three hundred square feet, it's it's about 1142 00:58:35.480 --> 00:58:40.440 ten dollars. And then larger projects you can get down 1143 00:58:40.440 --> 00:58:43.440 to four dollars a foot for a thousand square feet 1144 00:58:43.519 --> 00:58:49.960 or more. But and here it mentions that doesn't include prep. 1145 00:58:50.559 --> 00:58:53.519 So you know, I don't know what they did for you. 1146 00:58:53.960 --> 00:58:55.920 I don't you need to have it analyzed. They do 1147 00:58:56.000 --> 00:58:59.079 what's called the core sample. How deep is your three 1148 00:58:59.159 --> 00:59:03.719 or four inches or six? How deep is it? 1149 00:59:03.719 --> 00:59:04.719 It's difficult to tell. 1150 00:59:04.719 --> 00:59:09.159 Maybe I would say four to four inches probably. 1151 00:59:10.360 --> 00:59:12.679 Okay, So I want you to call a contractor or 1152 00:59:12.679 --> 00:59:16.159 someone an inspector and have them do a core sample 1153 00:59:16.280 --> 00:59:19.280 or two and give you an analysis of the oil 1154 00:59:19.400 --> 00:59:23.920 to stone ratio and the UH and what you got. First, 1155 00:59:23.960 --> 00:59:26.840 let's figure out what you got and if it was 1156 00:59:26.920 --> 00:59:32.079 done properly. I mean we're shooting blind right here. You're 1157 00:59:32.119 --> 00:59:35.760 complaining because it was more than you expected. Well, whose 1158 00:59:35.800 --> 00:59:36.400 fault is that? 1159 00:59:36.559 --> 00:59:36.800 Right? 1160 00:59:37.280 --> 00:59:40.840 I mean, it's no one's fault. These guys did the job. 1161 00:59:41.159 --> 00:59:42.360 You allowed them to do it. 1162 00:59:42.719 --> 00:59:44.480 Now you're saying, but I thought it was going to 1163 00:59:44.480 --> 00:59:47.039 be a thousand foot When you tell them that, when 1164 00:59:47.199 --> 00:59:48.000 did you bring it up? 1165 00:59:48.000 --> 00:59:50.760 Did you say, hey, wait a minute, you set one 1166 00:59:50.760 --> 00:59:53.320 thousand feet at four bucks a foot? 1167 00:59:53.320 --> 00:59:54.960 What do they say when you bring that up? 1168 00:59:56.519 --> 01:00:00.679 He said that was for one truck, and they brought 1169 01:00:00.719 --> 01:00:06.440 in four trucks because that was apparently the extra material 1170 01:00:06.480 --> 01:00:07.000 that they had. 1171 01:00:07.599 --> 01:00:15.639 Apparently all right, so maybe that's what he said. Hey, 1172 01:00:15.760 --> 01:00:18.760 it's going to be about one thousand dollars or it's 1173 01:00:18.800 --> 01:00:23.280 four thousand dollars a truck. I mean, you know, Skinny, 1174 01:00:23.760 --> 01:00:25.679 you are in a bad way right now. Have you 1175 01:00:25.679 --> 01:00:26.400 paid anything? 1176 01:00:28.239 --> 01:00:28.760 No? 1177 01:00:28.760 --> 01:00:30.719 No, I'm supposed to meet with them today. 1178 01:00:32.760 --> 01:00:34.960 Well here's what I would do, because you're not going 1179 01:00:35.039 --> 01:00:37.400 to win this. You're just not going to win it. 1180 01:00:38.079 --> 01:00:41.000 What I would say to him is, look, I never 1181 01:00:41.079 --> 01:00:43.880 expected it to be this much. I was thinking it 1182 01:00:43.920 --> 01:00:46.559 was a thousand square feet. Listen, Skinny, when you look 1183 01:00:46.599 --> 01:00:48.559 at your driveway, did you know you had more than 1184 01:00:48.599 --> 01:00:49.639 a thousand square feet? 1185 01:00:49.920 --> 01:00:50.440 Be honest? 1186 01:00:51.360 --> 01:00:54.719 Yeah, yeah, Well I have tons of land and the 1187 01:00:54.880 --> 01:00:57.280 tons of different sections of the driveway. And that's why 1188 01:00:57.280 --> 01:00:59.280 I kind of decided to do this section and see 1189 01:00:59.280 --> 01:01:01.639 how it would come across, because we could just expand 1190 01:01:01.679 --> 01:01:02.840 it later if we wanted to. 1191 01:01:03.400 --> 01:01:06.039 But you knew, oh you knew you had made sense. 1192 01:01:07.679 --> 01:01:13.320 Okay, but you knew you had any again, Okay, then 1193 01:01:13.880 --> 01:01:16.199 I would say what you have to do is negotiate 1194 01:01:16.239 --> 01:01:18.000 with him, because you're not going. 1195 01:01:17.920 --> 01:01:19.000 To win it. You're just not. 1196 01:01:19.760 --> 01:01:22.679 You got you got what he did. Uh, you got 1197 01:01:22.679 --> 01:01:26.599 the benefit of it. Again, though, do those core samples, 1198 01:01:26.639 --> 01:01:29.760 because now's the time before you pay to bring up 1199 01:01:29.760 --> 01:01:33.039 any issues. If it's if that is not a good mix, 1200 01:01:33.480 --> 01:01:36.559 if it wasn't compressed right, if it wasn't done right, 1201 01:01:36.920 --> 01:01:39.440 do the core samples. Three oh three, seven to one 1202 01:01:39.519 --> 01:01:42.599 three talks seven one, three, eight, two five five. We're 1203 01:01:42.639 --> 01:01:44.760 here to help you solve your problems, answer your questions, 1204 01:01:44.800 --> 01:01:45.639 take your complaints. 1205 01:01:45.800 --> 01:01:46.880 Renew home Innovations. 1206 01:01:46.920 --> 01:01:50.800 We'll do beautiful shower walk ins with pure porcelain sheets 1207 01:01:51.079 --> 01:01:52.360 for the walls, no maintenance. 1208 01:01:52.400 --> 01:01:54.639 They can do it throughout your bathroom. They can even 1209 01:01:54.679 --> 01:01:55.960 do kitchen backsplashes. 1210 01:01:56.119 --> 01:01:59.760 Listen renew home innovations dot Com the most beautiful shower 1211 01:01:59.800 --> 01:02:02.360 can versions made custom for you in two or three 1212 01:02:02.440 --> 01:02:04.639 days and several repayment options. 1213 01:02:04.800 --> 01:02:06.800 Three oh three nine are A four to two thousand. 1214 01:02:11.559 --> 01:02:14.800 Go with a sure thing Denver's best roofer Excel Roofing 1215 01:02:14.920 --> 01:02:17.559 dot com. You don't pay a cent until you're content, 1216 01:02:19.119 --> 01:02:23.400 wait time for an insurance check up free, no obligation. 1217 01:02:23.440 --> 01:02:27.239 In comparison, call Compass Insurance. Paying too much your coverage 1218 01:02:27.280 --> 01:02:29.960 at dozens of insurance companies find out now three all 1219 01:02:30.000 --> 01:02:32.360 three seven to seven to one help. You'll think you're 1220 01:02:32.400 --> 01:02:34.880 his only customer when you choose Frank durand the real 1221 01:02:35.000 --> 01:02:38.000 estate Man dot com to list your home with Remax 1222 01:02:38.039 --> 01:02:42.079 Alliance three all three nine two zero sixteen twenty two 1223 01:02:44.880 --> 01:02:50.000 by Tom Marcino, your troubleshooter three oh three seven one 1224 01:02:50.039 --> 01:02:53.440 three talk seven one three A two five five. By 1225 01:02:53.440 --> 01:02:56.159 the way, Barry Miller's with us two from Vestera Turnkey, 1226 01:02:56.559 --> 01:02:58.599 and he'll be talking about his program and how we 1227 01:02:58.639 --> 01:03:02.960 work together on that. And then we have also John 1228 01:03:03.679 --> 01:03:07.719 from CMG Financial. He can talk about reverse loans and 1229 01:03:08.320 --> 01:03:13.360 other things people are thinking about. So Charles has a 1230 01:03:13.400 --> 01:03:17.639 problem with HVAC. Hi, Charles, what's happening? 1231 01:03:18.760 --> 01:03:21.960 Okay, Tom, thank you for taking my call. 1232 01:03:22.360 --> 01:03:24.039 Yeah, go ahead, sir, what's going on? 1233 01:03:24.159 --> 01:03:24.559 Charles? 1234 01:03:26.119 --> 01:03:33.760 Okay, it all started back about two months ago. Are 1235 01:03:36.360 --> 01:03:45.199 what happened? Is our furnace is about thirty six years old? Okay, 1236 01:03:45.239 --> 01:03:53.199 I cold, Colorado, help heat help, and they said they 1237 01:03:53.239 --> 01:03:56.440 were going to help us to get in. 1238 01:03:56.239 --> 01:04:00.920 Wait, who either, Charles, Charles, hold on? Who did you call? 1239 01:04:01.199 --> 01:04:03.920 What agency is called? 1240 01:04:07.440 --> 01:04:11.079 The name of the program, the name of the the 1241 01:04:11.199 --> 01:04:21.639 company was called Intervention, Crisis Intervention Help help Line? 1242 01:04:21.880 --> 01:04:27.199 And what we Charles, Charles, there is no what what Charles? 1243 01:04:27.559 --> 01:04:29.320 Just I know you want to tell me your story. 1244 01:04:29.800 --> 01:04:34.719 But was this a real government agency or nonprofit or 1245 01:04:34.840 --> 01:04:36.480 did they just call themselves that? 1246 01:04:37.079 --> 01:04:40.800 What exactly government? 1247 01:04:40.840 --> 01:04:44.360 What exactly is the program? What is it called? I'm 1248 01:04:44.400 --> 01:04:46.440 trying to look it up and I see nothing like 1249 01:04:46.519 --> 01:04:48.840 that called crisis Intervention? 1250 01:04:49.119 --> 01:04:55.599 On? Tom? Hold on, Tom, hold on right now, Honey, sure, honey, cover. 1251 01:04:55.679 --> 01:04:58.239 Give me that name break and then we'll still have 1252 01:04:58.320 --> 01:05:02.159 time when he gets when he fused? Hey, Charles, Charles, 1253 01:05:02.920 --> 01:05:03.559 how old are you? 1254 01:05:03.679 --> 01:05:04.880 Charles? I'm just curious. 1255 01:05:06.679 --> 01:05:07.960 I'm sixty six? 1256 01:05:09.880 --> 01:05:10.920 Oh my god. 1257 01:05:11.239 --> 01:05:15.239 Okay, all right, bro, hang on, okay, we'll be back 1258 01:05:15.559 --> 01:05:18.239 and I'll help this youngster out. Three O three seven 1259 01:05:18.320 --> 01:05:25.719 one three eight two five five Go with a sure 1260 01:05:25.800 --> 01:05:28.920 thing Denver's Best roofer Excel Roofing dot com. 1261 01:05:28.960 --> 01:05:31.000 You don't pay a cent until you're content. 1262 01:05:34.360 --> 01:05:37.559 Time for an insurance check up free, no obligation comparison 1263 01:05:37.679 --> 01:05:41.239 call Compass Insurance Paying too much your coverage at dozens 1264 01:05:41.239 --> 01:05:44.000 of insurance companies find out now three oh three seven 1265 01:05:44.079 --> 01:05:47.079 seven one help. You'll think you're his only customer when 1266 01:05:47.119 --> 01:05:49.599 you choose Frank durand the real estate Man dot com 1267 01:05:49.599 --> 01:05:52.760 to list your home with Remax Alliance three oh three 1268 01:05:52.840 --> 01:06:00.719 nine two zero sixteen twenty two him you know here 1269 01:06:02.079 --> 01:06:06.800 trio three seven one three talk KH Home Solutions, window siding, 1270 01:06:06.840 --> 01:06:11.039 doors and more, and now painters KH Painting Pros. 1271 01:06:11.440 --> 01:06:13.920 That's Kwindows dot com. 1272 01:06:14.320 --> 01:06:18.280 Charles said he around two months ago he called some 1273 01:06:18.400 --> 01:06:19.599 kind of crisis line. 1274 01:06:20.440 --> 01:06:21.920 Charles, did you get the name of it? 1275 01:06:23.119 --> 01:06:28.880 The name of it? It is called Crisis Intervention Programs? 1276 01:06:30.119 --> 01:06:34.239 Okay? Who is it run by? 1277 01:06:34.840 --> 01:06:44.039 It is run is run through the Help Heat Help 1278 01:06:44.159 --> 01:06:48.360 Ran Heat Help, the Colorado Heat Help. 1279 01:06:49.199 --> 01:06:50.519 Heat Help of Colorado. 1280 01:06:51.000 --> 01:06:53.039 And what what tell me what went on when you 1281 01:06:53.079 --> 01:06:55.320 called the crisis Intervention program? 1282 01:06:55.719 --> 01:06:59.920 When I call the crisis Intervention program and I told 1283 01:07:00.079 --> 01:07:04.320 and explained to them the situation with our furthers. They 1284 01:07:04.400 --> 01:07:09.360 said they would they they were they would get somebody 1285 01:07:09.400 --> 01:07:15.159 out here to assess the problems. And that's been over 1286 01:07:15.400 --> 01:07:16.360 two months ago. 1287 01:07:18.440 --> 01:07:19.960 Did they ever send someone out? 1288 01:07:20.760 --> 01:07:26.960 No, they the h BACK came out first. It started 1289 01:07:27.000 --> 01:07:31.320 with Home Depot. H back came out and looked at it, 1290 01:07:31.760 --> 01:07:35.519 and they told us that the furduce was thirty six 1291 01:07:35.639 --> 01:07:40.039 years old and for us to buy parts for this furtuce, 1292 01:07:40.480 --> 01:07:43.840 it was going to cost us more than what we want. 1293 01:07:43.960 --> 01:07:45.480 Were Charles pay. 1294 01:07:47.000 --> 01:07:49.679 Charles? I want to ask a few questions. Why did 1295 01:07:49.719 --> 01:07:52.239 you call? To begin with? Did your heat stop working? 1296 01:07:53.159 --> 01:07:58.119 Yes, we have our heat stopped working, and all we 1297 01:07:58.199 --> 01:08:01.440 have okay, this way in the way of source of 1298 01:08:01.519 --> 01:08:05.360 heat is a space heater, a heating blanket. 1299 01:08:05.400 --> 01:08:09.440 Okay, all right, all right, Charles, Charles waet. 1300 01:08:09.840 --> 01:08:14.840 So this crisis intervention program I suspect is not what 1301 01:08:14.880 --> 01:08:18.119 you think and it's not a government program. If they 1302 01:08:18.159 --> 01:08:20.600 sent a private contractor to your home. 1303 01:08:20.880 --> 01:08:21.520 That's weird. 1304 01:08:21.880 --> 01:08:24.680 Who did they what's the name of the HVAC company 1305 01:08:24.680 --> 01:08:25.159 that went. 1306 01:08:25.039 --> 01:08:25.760 To your home. 1307 01:08:27.039 --> 01:08:30.319 That I don't know? That was done through well, that 1308 01:08:30.479 --> 01:08:32.680 was done through home depots? 1309 01:08:33.960 --> 01:08:36.600 Well, how did Home Depot get involved. 1310 01:08:37.680 --> 01:08:41.439 Because we called home Depot and we told them this 1311 01:08:41.600 --> 01:08:48.800 situation with our with our with our heating, with our 1312 01:08:48.840 --> 01:08:50.159 furnace not heating. 1313 01:08:50.640 --> 01:08:54.399 So they okay, when you why did you call home depot? 1314 01:08:54.680 --> 01:08:56.479 Why did you call home depot. 1315 01:08:57.920 --> 01:09:00.239 For them to come and check out our heard? 1316 01:09:03.159 --> 01:09:06.359 And who did home Depot? Who did Home Depots send 1317 01:09:06.439 --> 01:09:07.199 out to your house? 1318 01:09:08.239 --> 01:09:11.079 They sent out an HVAC company. 1319 01:09:12.479 --> 01:09:13.880 Do you know the name of that company? 1320 01:09:13.960 --> 01:09:18.239 No? Hold on my wife? 1321 01:09:18.239 --> 01:09:19.720 Who's getting that right now? 1322 01:09:19.920 --> 01:09:21.760 Hold on buddy? All right? 1323 01:09:22.159 --> 01:09:24.880 So here's what I want to know, Charles. Are you calling? 1324 01:09:25.479 --> 01:09:29.319 Are you basically calling today because you have not heard 1325 01:09:29.359 --> 01:09:29.760 from them? 1326 01:09:30.920 --> 01:09:31.079 Right? 1327 01:09:31.159 --> 01:09:35.359 I am basically calling today because I have not heard 1328 01:09:35.439 --> 01:09:37.800 from good good. 1329 01:09:38.960 --> 01:09:40.760 I have not heard that's really good. 1330 01:09:41.279 --> 01:09:41.520 Ars. 1331 01:09:41.600 --> 01:09:43.520 I'm going to tell you that's really good. It's really good. 1332 01:09:43.600 --> 01:09:45.800 You didn't hear from anybody? Because I want you to 1333 01:09:45.840 --> 01:09:49.199 start from scratch. Okay, you're getting you're getting in the 1334 01:09:49.279 --> 01:09:51.640 muck and meier. These people have nothing to do with 1335 01:09:51.760 --> 01:09:55.079 crisis intervention. They're not going to do anything free. If 1336 01:09:55.079 --> 01:09:58.520 you thought you were going to get something free, you're not. Okay, Now, 1337 01:09:58.680 --> 01:10:01.560 now I don't want don't you going down this road? 1338 01:10:02.000 --> 01:10:03.840 Because what's going to happen is you're going to be 1339 01:10:03.880 --> 01:10:06.159 stuck with a big bill. What I want you to 1340 01:10:06.199 --> 01:10:09.960 do is check out some real help. Okay, Now, what 1341 01:10:10.119 --> 01:10:12.640 is your situation as far as income. 1342 01:10:14.239 --> 01:10:17.760 Well, me and my wife are. Me and my wife 1343 01:10:18.159 --> 01:10:22.119 are on a fixed income because I am a retired 1344 01:10:22.640 --> 01:10:25.880 I'm retired for the government. But what they put me 1345 01:10:26.000 --> 01:10:31.399 out on they put me out on a disability retirement programs. 1346 01:10:31.760 --> 01:10:35.119 Okay, you're the government, and my. 1347 01:10:35.159 --> 01:10:39.720 Wife is on an s s d I Security Social 1348 01:10:39.800 --> 01:10:46.319 Security retirement program. So we we're not we're not making 1349 01:10:46.439 --> 01:10:46.960 that much. 1350 01:10:48.840 --> 01:10:52.880 Okay, come in and put put that on. 1351 01:10:55.000 --> 01:10:58.319 My wife said, all we need to do, all we 1352 01:10:58.399 --> 01:11:01.640 need is somebody to come put out the pilot life. 1353 01:11:03.600 --> 01:11:04.560 Here's what I want to do. 1354 01:11:04.840 --> 01:11:07.720 But I think it's I think it's more Charles. 1355 01:11:08.000 --> 01:11:11.800 I think Charles. I'm gonna Charles hold on before we 1356 01:11:11.840 --> 01:11:15.000 do anything else. I'm gonna get one of our deputies 1357 01:11:15.000 --> 01:11:17.520 to go out there and check your furnaces. 1358 01:11:17.520 --> 01:11:19.439 Well, where's he located, Charles? 1359 01:11:19.439 --> 01:11:19.840 Where do you? 1360 01:11:20.000 --> 01:11:21.960 I don't want you at here? But is it Denver? 1361 01:11:22.000 --> 01:11:24.199 Where is it? It's Aurora? 1362 01:11:24.319 --> 01:11:24.439 Right? 1363 01:11:25.159 --> 01:11:27.039 Why don't we send out Why don't we send out 1364 01:11:27.079 --> 01:11:28.720 one of our hvac folks. 1365 01:11:30.199 --> 01:11:33.720 I would send out Deputy bow first, okay, just to see. 1366 01:11:33.600 --> 01:11:36.640 No, you know, he's an hvac guy forever. That's not 1367 01:11:36.720 --> 01:11:38.039 a bad idea whatsoever. 1368 01:11:39.520 --> 01:11:43.760 Yeah, so we're going to send someone out to help you. Okay, 1369 01:11:44.000 --> 01:11:47.239 Hold on, Charles, and thank you for calling us. Three 1370 01:11:47.239 --> 01:11:49.520 oh three seven one three talks seven one three. 1371 01:11:49.359 --> 01:11:50.319 A two five five. 1372 01:11:51.239 --> 01:11:53.399 We got another two hours ago on the Troubleshooter show, 1373 01:11:53.439 --> 01:11:57.279 Stay tuned and Marcus taking the helm. I got to 1374 01:11:57.319 --> 01:11:59.600 do a limited schedule doctor's orders. 1375 01:11:59.720 --> 01:12:02.359 And thank you for all your well wishes and everything 1376 01:12:02.359 --> 01:12:05.199 else you've done. It touched me deeply more. 1377 01:12:05.279 --> 01:12:12.720 Coming up, go with a sure thing Denver's best roofer 1378 01:12:12.880 --> 01:12:14.359 Excel Roofing dot com. 1379 01:12:14.399 --> 01:12:16.439 You don't pay a cent until you're content. 1380 01:12:18.000 --> 01:12:22.239 Please time for an insurance check up free, no obligation 1381 01:12:22.399 --> 01:12:26.239 comparison call Compass Insurance paying too much your coverage at 1382 01:12:26.279 --> 01:12:29.000 dozens of insurance companies find out now three oh three 1383 01:12:29.199 --> 01:12:32.319 seven seven one help. You'll think you're his only customer 1384 01:12:32.359 --> 01:12:34.600 when you choose Frank durand the real estate Man dot 1385 01:12:34.640 --> 01:12:38.000 com to list your home with Remax Alliance three oh 1386 01:12:38.000 --> 01:12:40.159 three nine two zero sixteen twenty two. 1387 01:12:45.520 --> 01:12:51.039 Ripped you needed, so you don't have to. 1388 01:12:53.479 --> 01:12:55.079 Run anxious as fast as. 1389 01:12:54.960 --> 01:12:58.880 You can shoot. It's gonna help coming. 1390 01:13:00.239 --> 01:13:06.840 This is the Troubleshooter Show. No Tom Martino, Welcome, Welcome, my. 1391 01:13:07.000 --> 01:13:09.760 Friends to the only show of it's kind. We're here 1392 01:13:09.760 --> 01:13:12.199 to solve problems, answer questions, state complaints. 1393 01:13:12.319 --> 01:13:13.399 We're here to educate you. 1394 01:13:13.520 --> 01:13:16.399 We're also here to go after the bad guys you've 1395 01:13:16.399 --> 01:13:18.800 been ripped off or taking advantage of her. Maybe you 1396 01:13:18.960 --> 01:13:22.159 just got a question three oh three seven one three 1397 01:13:22.159 --> 01:13:24.119 A two five five. And as I always say, three 1398 01:13:24.199 --> 01:13:28.960 oh three Martino, that number works on and off the air. 1399 01:13:29.479 --> 01:13:33.319 So if you ever need anything three zero three Martino, 1400 01:13:33.399 --> 01:13:36.479 you can also email us at help at troubleshooter dot com. 1401 01:13:36.520 --> 01:13:40.800 In studio with me, Barry Miller, Vestera Turnkey, John Clace 1402 01:13:41.479 --> 01:13:45.000 uh partner in Lending dot Com. He's with c MG 1403 01:13:45.279 --> 01:13:49.760 Bank and then Deputy Dmitri Deputy Doc Dragons on the 1404 01:13:49.800 --> 01:13:53.319 other side back there and Kelly answering your phone. So 1405 01:13:53.319 --> 01:13:55.720 we got three lines open three oh three seven one 1406 01:13:55.800 --> 01:13:58.479 three A two five five Real quick, I want to 1407 01:13:58.479 --> 01:14:00.680 tell you about fix it twenty five four to seven 1408 01:14:01.039 --> 01:14:03.600 Right now, forty nine bucks are gonna come out and 1409 01:14:03.640 --> 01:14:06.479 they're gonna clean that sump pump. Yeah, if you have 1410 01:14:06.640 --> 01:14:10.119 not had your sump pump checked and say over three years, 1411 01:14:10.159 --> 01:14:11.199 it is time to do it. 1412 01:14:11.439 --> 01:14:13.359 The last thing you want is a flood. 1413 01:14:13.479 --> 01:14:16.600 They're gonna come out, spend about two hours only forty 1414 01:14:16.720 --> 01:14:21.000 nine dollars cleaning it, lubricating it. If that's the kind 1415 01:14:21.079 --> 01:14:23.840 you have, forty nine bucks, you're not gonna beat that. 1416 01:14:24.279 --> 01:14:27.680 Check them out at fixmi home dot com. That's fixmihome 1417 01:14:27.760 --> 01:14:31.600 dot com. Hey, John Clace CMG. The all in one loan, 1418 01:14:31.680 --> 01:14:35.840 it's kind of funny. Barry Miller's here. Vestera turnkey is 1419 01:14:35.880 --> 01:14:38.800 an investment strategy we're going to talk about. But I 1420 01:14:38.920 --> 01:14:42.039 thought you two could partner up quite frankly. That's why 1421 01:14:42.039 --> 01:14:44.680 you're both sitting here. So I hope you guys have that. 1422 01:14:44.760 --> 01:14:47.119 Because of your all in one loan, you can use 1423 01:14:47.159 --> 01:14:49.199 that to buy a second house, right you do. 1424 01:14:49.239 --> 01:14:51.920 We have many of our clients use. 1425 01:14:52.079 --> 01:14:53.159 Use vacation house. 1426 01:14:53.319 --> 01:14:55.840 How about an investment property? Do people use it for 1427 01:14:55.880 --> 01:14:57.359 investments or typically not? 1428 01:14:57.760 --> 01:15:00.880 Oh, we actually do it on a some properties now. 1429 01:15:00.880 --> 01:15:03.079 But you can also use your primary if you've got 1430 01:15:03.159 --> 01:15:06.960 enough equity to purchase a pay cash for an investment. 1431 01:15:06.520 --> 01:15:08.960 Property or even just take it out to buy instead 1432 01:15:08.960 --> 01:15:12.000 of one, instead of buying one with all the cash by. 1433 01:15:11.880 --> 01:15:14.239 Three or four. And that's what we see a lot 1434 01:15:14.279 --> 01:15:17.600 of his people utilizing the count because how you can 1435 01:15:17.600 --> 01:15:21.159 pay it down Yeah, and open up equity. Yeah, and 1436 01:15:21.199 --> 01:15:23.520 we do it on you can have up to three 1437 01:15:23.600 --> 01:15:25.800 all on one loans for one barrow now. 1438 01:15:25.800 --> 01:15:28.680 For one borrower. But then if it's a husband and wife, 1439 01:15:28.680 --> 01:15:32.760 that's six. Sure if they you know, if they solely qualify, Ray, 1440 01:15:32.840 --> 01:15:36.119 what is your comment on charles issue? Charles, I don't 1441 01:15:36.119 --> 01:15:38.760 know if he got snookeered or what happened, but basically 1442 01:15:38.840 --> 01:15:41.039 he had someone reach out to him on a furnace 1443 01:15:41.560 --> 01:15:44.199 and say, hey, we can get your free furnace, and 1444 01:15:44.439 --> 01:15:47.399 we just don't really he doesn't know, nor do we know. 1445 01:15:47.840 --> 01:15:53.960 I feel like I'm talking about Biden, But go ahead, Ray. 1446 01:15:52.039 --> 01:15:56.319 Hey, thank you Mark for the opportunity. So the LEAP 1447 01:15:56.399 --> 01:15:59.520 program is the Low Income Energy Assistance Program. 1448 01:15:59.640 --> 01:16:01.479 Yeah, that's it's a real program. 1449 01:16:01.960 --> 01:16:03.880 It's a real program. And they have a sub program 1450 01:16:04.119 --> 01:16:06.319 called the Crisis Intervention Program. 1451 01:16:06.439 --> 01:16:08.079 Oh so you think it is real. 1452 01:16:09.319 --> 01:16:11.359 I do think it's real. However, I believe. 1453 01:16:11.079 --> 01:16:14.920 They ran out of money intervention what. 1454 01:16:16.319 --> 01:16:23.079 Crisis intervention program program sub program under leap, Yeah, and 1455 01:16:23.479 --> 01:16:26.000 I believe they ran out of money with what's going 1456 01:16:26.000 --> 01:16:29.600 on with the federal government and maybe related to that, 1457 01:16:29.680 --> 01:16:32.960 I'm not sure, but this, this gentleman may have just 1458 01:16:33.039 --> 01:16:36.279 fallen through the cracks because of that funding I. 1459 01:16:36.359 --> 01:16:39.119 Got you, because of literally the timing, they might have 1460 01:16:39.239 --> 01:16:41.520 started to dig into it and then they got the 1461 01:16:41.640 --> 01:16:46.760 funded and then that's that, right, Well, send Deputy Bow out. 1462 01:16:46.840 --> 01:16:49.920 Curious enough, we sent him out to another one. I 1463 01:16:50.000 --> 01:16:52.520 heard that guy in the background or his wife in 1464 01:16:52.560 --> 01:16:55.720 the background saying the pilot light just needs to be lit. 1465 01:16:56.279 --> 01:16:59.680 As crazy as that sounds, Deputy bo actually went out 1466 01:16:59.680 --> 01:17:02.319 to one and he had to order some parts and 1467 01:17:02.359 --> 01:17:05.760 do other stuff, but he did exactly that for someone 1468 01:17:05.800 --> 01:17:08.840 else got an older furnace working, so at least they 1469 01:17:08.920 --> 01:17:12.760 had you know, hot air during the or heat during 1470 01:17:12.800 --> 01:17:13.319 the winter. 1471 01:17:14.640 --> 01:17:14.960 Sure. 1472 01:17:15.039 --> 01:17:17.439 Absolutely, And I was going to recommend a Wrap O'Kenny 1473 01:17:17.520 --> 01:17:23.800 Weatherization Assistance program. They do similar work for similar qualifying individuals. 1474 01:17:23.920 --> 01:17:26.479 Well, Deputy Bow, I hope you're listening to that, because 1475 01:17:26.479 --> 01:17:28.119 we're going to have we're going to figure out what's 1476 01:17:28.159 --> 01:17:30.760 going on with their furnace and then we'll dig into that. 1477 01:17:30.800 --> 01:17:30.960 Man. 1478 01:17:31.000 --> 01:17:35.199 Hey, that's great information. Ray, Like, really we appreciate that 1479 01:17:35.359 --> 01:17:38.920 right here on the show one hundred percent. Brother, And yeah, 1480 01:17:38.960 --> 01:17:41.880 that's really good information. Actually, I need to get better 1481 01:17:41.880 --> 01:17:44.279 at keeping a database of all these things that can 1482 01:17:44.319 --> 01:17:47.239 help people like that. They seem to come and go 1483 01:17:47.319 --> 01:17:50.399 though fairly quick. We've had people in the past that 1484 01:17:50.560 --> 01:17:55.960 fixed cars at no cost for single mothers, for example, 1485 01:17:56.000 --> 01:17:58.960 and I it just there's so many people. At some 1486 01:17:59.319 --> 01:18:01.640 point you just run out, you know that place. 1487 01:18:01.760 --> 01:18:04.279 So you're thinking about an organization called Hands of the 1488 01:18:04.319 --> 01:18:07.560 Carpenter and our high school friend of mine actually is 1489 01:18:07.600 --> 01:18:11.439 the CEO of that organization and they're still in business 1490 01:18:11.720 --> 01:18:14.039 and they do exactly what it sounds like. 1491 01:18:14.600 --> 01:18:18.000 It's a single I'm sorry, yes, single mothers. 1492 01:18:18.039 --> 01:18:21.920 They provide used automobiles and then they provide maintenance and 1493 01:18:21.960 --> 01:18:23.560 repairs for them at no charge. 1494 01:18:25.119 --> 01:18:25.800 Oh they are. 1495 01:18:26.159 --> 01:18:28.359 Oh great, Yeah, they've been on there. What is the 1496 01:18:28.439 --> 01:18:32.520 name of the shop. They have a actual shop too. 1497 01:18:32.479 --> 01:18:34.399 Well, it's their own shop. I think they have more 1498 01:18:34.439 --> 01:18:34.760 than one. 1499 01:18:35.279 --> 01:18:38.840 Yeah, they actually have, of course, a for profit shop 1500 01:18:38.920 --> 01:18:40.800 that like you and I could bring our car to. 1501 01:18:41.039 --> 01:18:43.920 Oh didn't they and then they have that. They might 1502 01:18:43.960 --> 01:18:46.840 even have more than one shop. I think the guy's 1503 01:18:46.920 --> 01:18:49.760 name is Tom, but he's been in before. 1504 01:18:50.399 --> 01:18:54.560 Oh, Georgeoppolis. Dan Georgeopolis is the CEO of that organization. 1505 01:18:54.640 --> 01:18:57.359 They may be a Tom over there, but the guy 1506 01:18:57.439 --> 01:18:59.880 went to high school with his name Dan Georgeopolis and 1507 01:19:00.039 --> 01:19:01.199 he runs that organization. 1508 01:19:01.479 --> 01:19:03.640 Very cool, all right, three oh three seven, one, three 1509 01:19:03.640 --> 01:19:06.920 eight two five five. So let's talk Vestaire and loans 1510 01:19:06.960 --> 01:19:12.319 real quick, guys. Here's the deal. Barry Miller, you kind 1511 01:19:12.319 --> 01:19:15.159 of teamed up with Martino two because you guys are 1512 01:19:15.199 --> 01:19:18.399 doing some stuff together. But generally, how this program works 1513 01:19:18.560 --> 01:19:21.319 and it's very interesting, and I'm going to drill you 1514 01:19:21.399 --> 01:19:24.720 on the outcomes you've had, you bit. But basically, you 1515 01:19:24.760 --> 01:19:26.880 go out and you have a knack for finding up 1516 01:19:26.880 --> 01:19:30.439 and coming properties. So that property is generally never in 1517 01:19:30.520 --> 01:19:32.840 Colorado because we're at the top of the market, if 1518 01:19:32.840 --> 01:19:35.319 you will. In fact, we're probably overpriced if you ask. 1519 01:19:35.239 --> 01:19:38.239 Me, I'd agree with that, Adam, yep. 1520 01:19:39.000 --> 01:19:42.279 So you go out. Let's say Johnny finds something in like, uh, 1521 01:19:42.359 --> 01:19:45.439 I don't know, Redmond, Washington, or he finds something in 1522 01:19:45.520 --> 01:19:49.079 North Carolina, or find something in Virginia, and he's looking 1523 01:19:49.119 --> 01:19:52.359 for an area. Maybe a company is coming to maybe 1524 01:19:52.359 --> 01:19:56.880 Microsoft or SpaceX, or there's something in the works, or 1525 01:19:57.000 --> 01:20:00.760 it's just purely undervalued, and you're looking at trends of 1526 01:20:00.840 --> 01:20:05.800 people moving in knowing that it's going to appreciate. So 1527 01:20:05.920 --> 01:20:08.199 you go out and you find the property. The part 1528 01:20:08.279 --> 01:20:10.439 that blows me away is you make how much a 1529 01:20:10.479 --> 01:20:13.239 year doing all this? Three hundred and ninety nine bucks 1530 01:20:13.239 --> 01:20:15.560 from that client, right, isn't it three ninety nine? 1531 01:20:15.680 --> 01:20:15.840 No? 1532 01:20:15.840 --> 01:20:20.840 No, we are paid by the buyer agent who represents 1533 01:20:20.880 --> 01:20:22.319 that person sends us a help. 1534 01:20:22.479 --> 01:20:25.600 Doesn't the person actually doing the investment actually spend a 1535 01:20:25.640 --> 01:20:26.720 few hundred a year with you? 1536 01:20:27.039 --> 01:20:30.199 They do spend six hundred a year. 1537 01:20:30.399 --> 01:20:33.239 So six hundred bucks and find me the house, you 1538 01:20:33.319 --> 01:20:35.920 get paid by the boker. So, in other words, when 1539 01:20:35.960 --> 01:20:38.560 you buy the house, instead of you know, whatever the 1540 01:20:38.600 --> 01:20:40.760 co op is three percent, you get a chunk. 1541 01:20:40.920 --> 01:20:43.279 We get a chunk of that because we're doing chunk 1542 01:20:43.399 --> 01:20:44.720 plus part of the work. 1543 01:20:44.800 --> 01:20:45.359 Yeah, of course. 1544 01:20:45.439 --> 01:20:48.520 Yeah, So you find it, then you find someone to 1545 01:20:48.600 --> 01:20:50.760 manage the property. And by the way, a lot of 1546 01:20:50.760 --> 01:20:53.239 people think these are fix and flips or not. What 1547 01:20:53.600 --> 01:20:57.159 these are John is homes ready to go some. 1548 01:20:57.079 --> 01:20:58.960 Of them are even new homes, don't you some of 1549 01:20:59.000 --> 01:20:59.800 them are new homes. 1550 01:20:59.840 --> 01:21:03.199 There, we're so ready to go out of one hundred homes, Yeah, 1551 01:21:03.279 --> 01:21:07.520 we've had four that had repairs of up to five 1552 01:21:07.600 --> 01:21:09.399 hundred dollars in the last year. 1553 01:21:09.560 --> 01:21:10.640 That's it. That's it. 1554 01:21:11.159 --> 01:21:13.119 That's done. One hundred of these in the last year 1555 01:21:13.239 --> 01:21:16.680 roughly roughly. Wow, what's the appreciation on them? 1556 01:21:17.039 --> 01:21:17.199 Hi? 1557 01:21:17.640 --> 01:21:19.800 Yeah, like what I mean, twenty percent in a year. 1558 01:21:19.920 --> 01:21:25.119 Well, it's not twenty percent anymore, Okay, the appreciation is now. 1559 01:21:25.680 --> 01:21:29.119 Our minimum is twelve percent, got it. So we're between 1560 01:21:29.159 --> 01:21:32.439 twelve and sixteen a year each year. 1561 01:21:32.600 --> 01:21:33.079 Each year. 1562 01:21:33.159 --> 01:21:36.319 So basically, they go out, they find a property manager. 1563 01:21:36.720 --> 01:21:40.800 Then the property manager make sure they find the right renter, 1564 01:21:41.279 --> 01:21:43.319 make sure everything's done. I mean, you're not going to 1565 01:21:43.359 --> 01:21:46.039 fly out to Virginia to fix a furnace. I mean, 1566 01:21:46.079 --> 01:21:48.520 that's why you have a property manager there. But that 1567 01:21:48.600 --> 01:21:52.039 person collects the rent. If I'm the investor, I get 1568 01:21:52.079 --> 01:21:54.239 the rent, well the rent, Yeah, I get the rent 1569 01:21:54.279 --> 01:21:57.039 each month, So there's your cash flow. While that home 1570 01:21:57.720 --> 01:21:58.800 is actually. 1571 01:21:58.560 --> 01:22:01.640 Appreciated, you get the we get the problems. If there 1572 01:22:01.680 --> 01:22:04.439 are a few of those fixed problems, they call us. 1573 01:22:04.479 --> 01:22:06.079 I'm shot you do it with new homes. 1574 01:22:06.119 --> 01:22:08.399 But anyhow, so then two or three years go by 1575 01:22:08.840 --> 01:22:12.239 and you've made thirty forty percent, maybe even more, and 1576 01:22:12.279 --> 01:22:14.039 then you sell the home and you either put the 1577 01:22:14.079 --> 01:22:17.600 money in your pocket or you simply buy two or 1578 01:22:17.600 --> 01:22:18.359 three more. 1579 01:22:18.239 --> 01:22:20.760 By two or three more with nearly no out of 1580 01:22:20.840 --> 01:22:23.920 pocket I mean nearly no out of pocket cash ten 1581 01:22:24.039 --> 01:22:28.359 thirty one tax deferred exchange, so you don't pay taxes 1582 01:22:28.399 --> 01:22:28.920 on the game. 1583 01:22:29.199 --> 01:22:31.359 You just keep building it, just keep building it. How 1584 01:22:31.359 --> 01:22:35.039 about if someone has like an IRA and they want 1585 01:22:35.039 --> 01:22:38.239 to actually buy it with their IRA, can you guys. 1586 01:22:38.000 --> 01:22:39.560 Now what we're talking about? 1587 01:22:39.720 --> 01:22:44.239 You guys, Tom Martino and Wave eight Wealth Management can 1588 01:22:44.279 --> 01:22:44.640 do that. 1589 01:22:44.880 --> 01:22:48.479 Yep, they are explain why people can do that. 1590 01:22:48.840 --> 01:22:51.680 They can do well. Now I'm no IRA forour A 1591 01:22:51.760 --> 01:22:55.560 one K expert. But my explanation that I give out 1592 01:22:55.920 --> 01:23:00.920 several times a week anymore is Wave eight Wealth Management. 1593 01:23:00.960 --> 01:23:03.159 By the way, you could find them online at Wave 1594 01:23:03.359 --> 01:23:08.079 Eightcapital dot com. They have all the expertise to put 1595 01:23:08.119 --> 01:23:11.880 it together. Mark where you could take your IRA money 1596 01:23:12.119 --> 01:23:15.079 and or your four oh one K money give it 1597 01:23:15.119 --> 01:23:19.079 to them. They form LLCs. You cannot have a say 1598 01:23:19.600 --> 01:23:23.079 in their decision, and they then form a group and 1599 01:23:23.199 --> 01:23:27.079 goes buys the property and then the game goes right 1600 01:23:27.119 --> 01:23:32.640 back into your IRA, and you're avoiding taxes properly so in. 1601 01:23:32.560 --> 01:23:35.359 That and then you can roll it over and you roll. 1602 01:23:35.199 --> 01:23:37.359 It over again and again if you want to. 1603 01:23:37.640 --> 01:23:40.560 Yeah, you have to be a pretty specialized IRA, which 1604 01:23:40.560 --> 01:23:41.199 I'm sure they are. 1605 01:23:41.720 --> 01:23:44.840 Well, the Wave eight is very specialized. 1606 01:23:44.880 --> 01:23:48.239 What they do is they basically create a self directed IRA. 1607 01:23:48.680 --> 01:23:51.079 So you want to invest in property, but you can't 1608 01:23:51.119 --> 01:23:54.000 make all the decisions because there's rules around IRA's for 1609 01:23:54.119 --> 01:23:59.720 a one case. So basically they become the investment they 1610 01:23:59.760 --> 01:24:02.479 look to portfolio. They have to agree to it, and 1611 01:24:02.520 --> 01:24:05.800 more importantly, you have to be hands off. They have 1612 01:24:05.880 --> 01:24:06.560 to manage it. 1613 01:24:06.680 --> 01:24:08.319 You can't pick the property or anything. 1614 01:24:08.600 --> 01:24:11.600 No, no, no, no, no, they have to manage it 1615 01:24:11.680 --> 01:24:13.319 for the most part. Well, I don't know if they 1616 01:24:13.680 --> 01:24:15.399 I think you could pick the property. 1617 01:24:16.199 --> 01:24:20.960 They have a say in it, but they can't say okay, 1618 01:24:20.960 --> 01:24:23.000 they have a say in it, and it's more than 1619 01:24:23.039 --> 01:24:25.199 a week in or not. It's legal a say, but 1620 01:24:25.319 --> 01:24:29.920 they can't say deny that property because if they almost 1621 01:24:29.960 --> 01:24:32.439 like an old time general partner in the old days 1622 01:24:32.479 --> 01:24:35.760 when we had General Partners says, we're got buying that property. 1623 01:24:36.039 --> 01:24:37.119 You can't deny. 1624 01:24:37.119 --> 01:24:39.920 Who manages the rent. Do you do the property management 1625 01:24:40.239 --> 01:24:40.760 or the IRA? 1626 01:24:41.239 --> 01:24:45.319 Well, the IRA that forms a new LLC. The LLC 1627 01:24:46.079 --> 01:24:49.119 is buying the property and then we're doing we're treating 1628 01:24:49.159 --> 01:24:52.640 them as if they're a consumer, because they are, because 1629 01:24:52.680 --> 01:24:55.279 Tom Martino and Wave eight is involved. 1630 01:24:55.720 --> 01:24:58.520 Well yeah, I mean basically they're the ones managing the 1631 01:24:58.800 --> 01:25:04.520 man not proper but the retirement file, the retirement directed IRA. 1632 01:25:05.720 --> 01:25:08.159 Tom and I have done them a few times over 1633 01:25:08.199 --> 01:25:12.600 the years with some commercial property where we've used retirement money. 1634 01:25:12.319 --> 01:25:17.279 To highly specialized, highly advantageous yep, to all the consumers. 1635 01:25:17.560 --> 01:25:18.960 And but they have. 1636 01:25:18.920 --> 01:25:21.359 To in other words, if they found a house, I mean, 1637 01:25:21.399 --> 01:25:24.439 they've got to take ownership of this fun So if 1638 01:25:24.479 --> 01:25:26.520 I say, hey, I want this old beaten wreck and 1639 01:25:26.560 --> 01:25:28.920 I want to use five hundred thousand dollars out of 1640 01:25:28.960 --> 01:25:30.680 my four oh one K for it, of my RA 1641 01:25:30.880 --> 01:25:33.239 out of it, and they look at it and they go, well, 1642 01:25:33.239 --> 01:25:35.880 that'd be the dumbest thing anybody's ever done. You're not 1643 01:25:35.920 --> 01:25:37.520 going to be able to do it. So I mean 1644 01:25:37.560 --> 01:25:39.800 they have to basically sign off on it, and you 1645 01:25:39.960 --> 01:25:42.600 have to be arm's length. That's kind of the strange 1646 01:25:42.640 --> 01:25:44.840 part about it. In other words, if I wanted to 1647 01:25:44.880 --> 01:25:49.119 buy a business, that's possible too, But it's kind of 1648 01:25:49.159 --> 01:25:51.079 weird when you get to the point where you have 1649 01:25:51.159 --> 01:25:54.079 to be hands off. You could buy a part of 1650 01:25:54.079 --> 01:25:54.520 the business. 1651 01:25:54.560 --> 01:25:56.520 Go ahead, Barry, Yeah, well, the Wave eight the other 1652 01:25:56.640 --> 01:26:00.239 big big piece they have. With our direct program, you 1653 01:26:00.319 --> 01:26:03.960 make more money. You have to have eighty thousand dollars 1654 01:26:04.000 --> 01:26:04.920 to get started. 1655 01:26:04.960 --> 01:26:07.479 Why do you say eighty out of Well. 1656 01:26:07.279 --> 01:26:11.960 That's lenders require twenty five percent down, So that's for 1657 01:26:12.079 --> 01:26:13.000 the down payment. 1658 01:26:13.119 --> 01:26:16.119 Okay, So you're saying your average property is four hundred thousand, what. 1659 01:26:16.159 --> 01:26:18.680 Is under that the average property is more like three 1660 01:26:18.720 --> 01:26:20.399 hundredth or three twenty. 1661 01:26:20.159 --> 01:26:22.199 That sure, hell isn't in Colorado. 1662 01:26:22.239 --> 01:26:23.600 Then it's not in Colorado. 1663 01:26:23.760 --> 01:26:25.359 You don't have the appreciation, you. 1664 01:26:25.359 --> 01:26:29.199 Don't have average loan or the average property value. Now 1665 01:26:29.399 --> 01:26:32.399 in Colorado, John. 1666 01:26:31.520 --> 01:26:35.439 I think the average sale price it's up to like 1667 01:26:35.520 --> 01:26:37.399 seven hundred and something. It's pretty good. 1668 01:26:37.560 --> 01:26:42.039 The medium price in Denver Metro is about six hundred thousand. Yeah, 1669 01:26:42.119 --> 01:26:45.319 Colorado springs about four point fifty, et cetera. 1670 01:26:45.399 --> 01:26:46.039 Colorado. 1671 01:26:46.119 --> 01:26:50.239 Therefore, somewhere in the five hundreds, but we have positive 1672 01:26:50.279 --> 01:26:52.199 cash flow for our customers. 1673 01:26:52.239 --> 01:26:53.119 That's another key. 1674 01:26:53.359 --> 01:26:56.439 But back to Wave eight, they're able to pool money. 1675 01:26:56.640 --> 01:26:58.720 Yeah, so if you don't have eighty thousand, you could 1676 01:26:58.760 --> 01:27:01.800 have four people come in one with to be part 1677 01:27:01.800 --> 01:27:04.560 of that LLC. But actually in that case, I think 1678 01:27:04.600 --> 01:27:07.359 that would simply be Wave eight and they would have 1679 01:27:08.479 --> 01:27:12.920 points if you will involved into there that that's an interesting. 1680 01:27:12.439 --> 01:27:14.520 Way to do it. So you could really have how 1681 01:27:14.520 --> 01:27:16.439 many have you guys done any of those yet? 1682 01:27:16.600 --> 01:27:16.720 Oh? 1683 01:27:16.800 --> 01:27:19.840 Yes, how many have you done? And how many partners doing? 1684 01:27:19.880 --> 01:27:21.279 The third one right now? 1685 01:27:21.399 --> 01:27:23.000 And the third one? How many partners? 1686 01:27:23.119 --> 01:27:23.439 One? 1687 01:27:24.399 --> 01:27:27.520 Well, one of our customers from the IRA did. The 1688 01:27:27.600 --> 01:27:31.000 other two had five partners. The other two have five parts. 1689 01:27:31.319 --> 01:27:31.520 Yep. 1690 01:27:31.720 --> 01:27:34.199 So you're saying the one has four more slots open, 1691 01:27:34.640 --> 01:27:36.079 or you're saying it's only one person. 1692 01:27:36.319 --> 01:27:39.600 One person took the full ninety thousands. 1693 01:27:39.600 --> 01:27:42.159 Why wouldn't they do it himself? Then I don't understand 1694 01:27:42.239 --> 01:27:42.640 they did. 1695 01:27:42.720 --> 01:27:44.800 They also did one directly with us. 1696 01:27:45.000 --> 01:27:47.119 Why would they do one through Wave eight if they 1697 01:27:47.119 --> 01:27:48.239 were ponying up the. 1698 01:27:48.239 --> 01:27:52.039 Whole best then mark because they found some tax reason? 1699 01:27:52.119 --> 01:27:57.119 Why the plan you can't. 1700 01:27:58.680 --> 01:28:00.000 Let's take this break real quick. 1701 01:28:00.119 --> 01:28:02.960 Any questions for these guys, I'd love to hear them 1702 01:28:02.960 --> 01:28:06.159 in any problems or issues you have. Three oh three Martino, 1703 01:28:06.439 --> 01:28:07.880 we have lines open, hold. 1704 01:28:07.680 --> 01:28:16.079 On go with a sure thing Denver's best roofer Excel 1705 01:28:16.199 --> 01:28:17.199 Roofing dot com. 1706 01:28:17.239 --> 01:28:19.279 You don't pay a cent until you're content. 1707 01:28:22.640 --> 01:28:25.800 Time for an insurance check up free, no obligation comparison 1708 01:28:25.960 --> 01:28:29.520 call Compass Insurance paying too much your coverage at dozens 1709 01:28:29.520 --> 01:28:32.239 of insurance companies find out now three oh three, seven 1710 01:28:32.239 --> 01:28:34.600 to seven to one help. You'll think you're his only 1711 01:28:34.720 --> 01:28:37.159 customer when you choose Frank durand the real estate Man 1712 01:28:37.199 --> 01:28:38.279 dot com. 1713 01:28:37.880 --> 01:28:40.239 To list your home with Remax Alliance. 1714 01:28:40.479 --> 01:28:46.159 Three oh three nine two zero sixteen twenty two. 1715 01:28:47.359 --> 01:28:50.199 All right, three oh three seven one three eight two 1716 01:28:50.359 --> 01:28:53.399 five five. We're talking to Barry Miller and we're also 1717 01:28:53.439 --> 01:28:57.439 talking to John Clace. We're talking money retirement. It's pretty 1718 01:28:57.479 --> 01:29:00.479 interesting stuff, guys. John, we're interest right now. 1719 01:29:01.079 --> 01:29:04.399 Uh you know they're you know a little north to 1720 01:29:04.439 --> 01:29:05.119 six and a half. 1721 01:29:05.199 --> 01:29:07.680 Are you seeing a lot of people doing a pretty 1722 01:29:07.720 --> 01:29:09.479 much cash outs to pay off credit card? 1723 01:29:09.479 --> 01:29:12.199 What are you seeing they are? Because credit card payments off, 1724 01:29:12.239 --> 01:29:14.720 So we're seeing a lot of people consolidating debt in 1725 01:29:14.760 --> 01:29:17.760 their effective rate on all their their money is gone. 1726 01:29:17.760 --> 01:29:20.520 And then when you talk about the all in one loan, yeah, 1727 01:29:20.600 --> 01:29:22.920 I mean I can't really talk rates, but when we 1728 01:29:22.960 --> 01:29:25.560 go through our simulator and stuff, you know, the people's 1729 01:29:25.600 --> 01:29:30.680 effective rates, they're typically below four percent for the right 1730 01:29:30.720 --> 01:29:32.359 client because of the money's in money. 1731 01:29:32.520 --> 01:29:32.680 Now. 1732 01:29:32.840 --> 01:29:36.000 Yeah, well, what's incredible about that product is whatever you 1733 01:29:36.039 --> 01:29:39.039 have in your checking account offsets whatever's out on that 1734 01:29:39.840 --> 01:29:42.039 line of credit, if anything's out. I mean some people 1735 01:29:42.279 --> 01:29:44.439 you don't just have the line of credit. The other 1736 01:29:44.520 --> 01:29:47.920 thing that's interesting is it's simple interest. So you guys 1737 01:29:47.960 --> 01:29:51.000 aren't front loading like a lot of people do, like 1738 01:29:51.079 --> 01:29:52.279 on a traditional mortgage. 1739 01:29:52.359 --> 01:29:54.640 Yeah, you look at a traditional mortgage. Everybody's seen that 1740 01:29:54.760 --> 01:29:58.079 those amortization schedules. You're paying the bank all interest for 1741 01:29:58.159 --> 01:29:59.800 them ten twelve years. 1742 01:30:00.119 --> 01:30:02.760 That have a say a small business where they're cash 1743 01:30:02.840 --> 01:30:04.720 flow and I don't know, one hundred thousand a month 1744 01:30:04.800 --> 01:30:07.399 or whatever the cash flow is, and then basically they 1745 01:30:07.439 --> 01:30:10.199 sweep it into that checking account in there and then 1746 01:30:10.199 --> 01:30:12.920 sweep it back as needed, but that would offset they 1747 01:30:13.000 --> 01:30:14.640 might have zero mortgage payment. 1748 01:30:14.680 --> 01:30:16.000 A lot of the year, we do a lot of 1749 01:30:16.079 --> 01:30:19.359 small self employment people that you're right. They they you know, 1750 01:30:19.399 --> 01:30:22.279 they'll pay their taxes quarterly or something like that money'll 1751 01:30:22.319 --> 01:30:23.159 sit in there that. 1752 01:30:23.560 --> 01:30:26.880 Personal does that money have to be So let's say 1753 01:30:26.960 --> 01:30:29.399 I go through you. You guys are the bank CMG, 1754 01:30:29.520 --> 01:30:32.680 So I open up a checking account that comes along 1755 01:30:32.760 --> 01:30:35.279 with this product, the All in one, because that's how 1756 01:30:35.319 --> 01:30:37.800 you access the money basically that line of credit correct 1757 01:30:37.800 --> 01:30:40.880 and then you have a checking account that offsets it. 1758 01:30:40.920 --> 01:30:41.840 If there's money out. 1759 01:30:42.439 --> 01:30:45.680 If I had a business, like I'm saying now, could 1760 01:30:45.680 --> 01:30:48.199 I have my business account there, would I have to 1761 01:30:48.279 --> 01:30:52.720 sweep from that account into the account attached to the 1762 01:30:52.800 --> 01:30:53.359 all in one. 1763 01:30:53.640 --> 01:30:56.359 Yeah, so our account it doesn't we don't do it 1764 01:30:56.399 --> 01:30:59.199 on commercial, but it has an automatic sweep, which is 1765 01:30:59.560 --> 01:31:02.319 really what makes it work good. Yeah, it's so easy 1766 01:31:02.359 --> 01:31:05.640 to use. You can do ach transfers with your business account. Oh, 1767 01:31:05.720 --> 01:31:08.920 so when you go to pay your businesses for tax purposes, 1768 01:31:09.119 --> 01:31:11.039 you just put the money back in there pay out 1769 01:31:11.079 --> 01:31:14.039 the checks so that stays on the on the business side. 1770 01:31:14.079 --> 01:31:16.319 But it's so easy to go in and transfer. 1771 01:31:16.640 --> 01:31:19.439 And the part it's really crazy we're talking about it, 1772 01:31:19.479 --> 01:31:22.479 but we call it. You know, it's somewhat a liquid loan. 1773 01:31:22.920 --> 01:31:25.520 But it's a thirty year line of credit. I mean, 1774 01:31:25.560 --> 01:31:27.720 there's no other I don't know of any other product. 1775 01:31:27.760 --> 01:31:30.119 Didn't you tell me it started like in New Zealand 1776 01:31:30.159 --> 01:31:30.960 or Australia. 1777 01:31:31.199 --> 01:31:35.439 Yeah, Australia, Australia McQuary. But it's true thirty year line 1778 01:31:35.439 --> 01:31:35.840 of credit. 1779 01:31:35.920 --> 01:31:37.399 Yeah, true, thirty your line. 1780 01:31:37.520 --> 01:31:40.000 So let's just say it's a million dollar house, you 1781 01:31:40.039 --> 01:31:41.479 have a basically what do you have to be? 1782 01:31:42.159 --> 01:31:44.600 They say, we'll go eight hundred thousand, so. 1783 01:31:45.239 --> 01:31:47.640 Hundred thousand dollars line of credit that you can feed 1784 01:31:47.680 --> 01:31:50.680 from all you want. Yeah, and it actually eats itself, 1785 01:31:50.840 --> 01:31:54.000 meaning let's say you get laid off for fours and 1786 01:31:54.039 --> 01:31:56.920 you can't make the payment, but you still have money 1787 01:31:56.920 --> 01:31:58.800 in there. It'll literally pay itself. 1788 01:31:58.880 --> 01:32:01.359 You never actually have to make a mortgage payment. That 1789 01:32:01.439 --> 01:32:03.720 it's doing. I say, it's the last loan you'll ever 1790 01:32:03.760 --> 01:32:05.279 need as long as you're in that house. 1791 01:32:05.439 --> 01:32:07.359 And here's the other thing, though, I think it would 1792 01:32:07.359 --> 01:32:10.039 be perfect for a lot of people that can't qualify 1793 01:32:10.119 --> 01:32:13.000 for it. And here's what I mean, I think it's better. Well, 1794 01:32:13.079 --> 01:32:17.199 you guys do a ton of reverse mortgages, but I 1795 01:32:17.239 --> 01:32:21.159 guess if you're not at sixty five, then the reverse, 1796 01:32:21.279 --> 01:32:22.640 what is it fifty nine and a half. 1797 01:32:22.880 --> 01:32:25.880 So now we actually some Colorado, we can go down 1798 01:32:25.880 --> 01:32:27.960 to fifty five sixty Tuesday. 1799 01:32:28.239 --> 01:32:29.279 First mortgage verse. 1800 01:32:29.479 --> 01:32:33.680 Yeah, I guess the benefit. Well, okay, what's the difference? Still, 1801 01:32:33.760 --> 01:32:36.000 I'll get you in a second. I cannot believe what 1802 01:32:36.079 --> 01:32:40.680 I'm reading. I cannot believe I'm reading another issue with 1803 01:32:40.880 --> 01:32:43.039 renewal by Anderson. Go ahead. 1804 01:32:43.119 --> 01:32:45.399 We used to call it like the reverse before you 1805 01:32:45.479 --> 01:32:48.800 qualify for a reverse, because, like you said, it almost 1806 01:32:48.920 --> 01:32:51.439 works like I've had clients where they've been in the 1807 01:32:51.479 --> 01:32:55.079 loan for three years, they lost a job. Well, you know, 1808 01:32:55.119 --> 01:32:57.359 a regular loan will say you can't make the payment. 1809 01:32:57.680 --> 01:32:59.960 I don't care, you know, gang the star four click 1810 01:33:00.520 --> 01:33:03.560 the money you've built up, you make that payment for it. 1811 01:33:03.920 --> 01:33:07.960 Basically, let's just say you do it, and you you 1812 01:33:08.000 --> 01:33:10.279 could live there literally forever and not It is just 1813 01:33:10.359 --> 01:33:12.960 like re excuse me, a reverse mortgage. 1814 01:33:13.359 --> 01:33:15.720 It is as long as you have that equity built up. 1815 01:33:15.800 --> 01:33:15.960 Yeah. 1816 01:33:16.359 --> 01:33:18.520 Yeah, In fact, it's better than a reverse for some 1817 01:33:18.680 --> 01:33:22.039 people because you can tap eighty percent on a reverse. 1818 01:33:22.079 --> 01:33:23.920 You're going to be lucky to tap fifty percent. 1819 01:33:24.000 --> 01:33:27.079 It's just the qualifying is different. Obviously, that's where. 1820 01:33:26.960 --> 01:33:29.079 It gets weird because you got to have that cash flow. 1821 01:33:29.119 --> 01:33:32.039 But a lot of people will qualify because it's not 1822 01:33:32.159 --> 01:33:35.199 just cash flow or income based. They also look at 1823 01:33:35.239 --> 01:33:37.600 retirement accounts, other properties. 1824 01:33:37.880 --> 01:33:39.520 I mean, it's asset based. 1825 01:33:39.359 --> 01:33:42.359 But we can combine. We can do either asset or 1826 01:33:42.359 --> 01:33:45.239 income or both. We use income plus assets, so. 1827 01:33:45.199 --> 01:33:45.960 You can do it anyway. 1828 01:33:46.119 --> 01:33:46.560 Qualify it. 1829 01:33:46.800 --> 01:33:47.720 Well, that's pretty cool. 1830 01:33:47.720 --> 01:33:49.359 Actually it does help. It helps a lot. 1831 01:33:50.239 --> 01:33:51.800 You can have three you said. 1832 01:33:51.680 --> 01:33:54.439 Yeah for one person, but you really want to make 1833 01:33:54.479 --> 01:33:59.359 it your primary checking account. So when you get to 1834 01:33:59.399 --> 01:34:01.439 do the second or third is because you want to 1835 01:34:01.520 --> 01:34:02.560 open up equity on. 1836 01:34:02.560 --> 01:34:07.840 Investment properties and then on an investment property though Barry, really, 1837 01:34:07.920 --> 01:34:13.239 depending on the cash circumstance for the person, it might 1838 01:34:13.319 --> 01:34:16.399 be better to do a thirty year. You might want 1839 01:34:16.439 --> 01:34:19.279 the lowest possible payment while you're renting it out. 1840 01:34:20.800 --> 01:34:22.800 Maybe, But we have a lot of people Mark who 1841 01:34:22.840 --> 01:34:26.520 are on a five, eight and ten year plan for retirement. Yeah, 1842 01:34:26.560 --> 01:34:29.840 so that then we're turning the make a lot of 1843 01:34:29.880 --> 01:34:34.159 money with equity, continuing the equity but in the fourth, fifth, 1844 01:34:34.319 --> 01:34:38.720 sixth year buying properties all cash so that they'll have 1845 01:34:38.800 --> 01:34:42.439 it their entirement time. And then I go with the 1846 01:34:42.520 --> 01:34:45.760 all in one loan because we'll help people get that 1847 01:34:45.960 --> 01:34:50.199 thirty year quote competitive mortgage. Well, if they have it, 1848 01:34:50.359 --> 01:34:53.279 we'll have that paid off in eight, ten or twelve 1849 01:34:53.399 --> 01:34:55.000 years with the all in one loan. 1850 01:34:55.159 --> 01:34:57.560 And then also, like you, they can make cash offers 1851 01:34:57.560 --> 01:34:59.960 and get better deals on properties sometimes. 1852 01:35:00.079 --> 01:35:02.439 Take on the exactly if you think of the all 1853 01:35:02.479 --> 01:35:05.560 in one and what John's saying there is like when 1854 01:35:05.600 --> 01:35:08.239 Susanna and I go look for property somewhere. We've been 1855 01:35:08.239 --> 01:35:11.319 looking in slide Dell, We've been looking in Florida. Because 1856 01:35:11.319 --> 01:35:13.560 of the line of credit, I simply go to CMG 1857 01:35:13.720 --> 01:35:17.119 and say, hey, I'm gonna make a cash offer on 1858 01:35:17.199 --> 01:35:18.600 this house for a million bucks. 1859 01:35:18.600 --> 01:35:19.600 I need a bank letter. 1860 01:35:19.840 --> 01:35:22.439 So instead of having to go deal with getting finance 1861 01:35:22.520 --> 01:35:25.439 and stuff, CMG basically says, yeah, he can write you 1862 01:35:25.479 --> 01:35:27.800 a check for a million or whatever the amount is. So, 1863 01:35:27.880 --> 01:35:29.760 I mean, it is pretty cool. It is like shopping 1864 01:35:29.800 --> 01:35:32.039 with cash, even if it is a line of credit. 1865 01:35:32.600 --> 01:35:37.079 It's literally cash. And when I say this, there's no scrutiny. 1866 01:35:37.119 --> 01:35:39.399 They don't care. It is my money. I'm to go 1867 01:35:39.439 --> 01:35:42.960 to Vegas right now, and you know, write MGM a 1868 01:35:43.039 --> 01:35:45.439 check for a million dollars in cash. It you could, 1869 01:35:45.560 --> 01:35:49.800 I mean, seriously, it is your money money. It's pretty remarkable. 1870 01:35:49.800 --> 01:35:52.119 I do Stella. I promise I'm gonna come back to you. 1871 01:35:52.600 --> 01:35:56.520 I just can't believe that there's another issue with Renewal 1872 01:35:56.560 --> 01:35:57.279 by Anderson. 1873 01:35:57.640 --> 01:36:00.960 For so many years, we had almost no calls. 1874 01:36:01.039 --> 01:36:05.000 Ever in the past six weeks to eight weeks. This 1875 01:36:05.079 --> 01:36:07.640 will be the third hold on. 1876 01:36:13.479 --> 01:36:16.720 Go with a sure thing Denver's Best roofer Excel Roofing 1877 01:36:16.840 --> 01:36:17.439 dot com. 1878 01:36:17.479 --> 01:36:19.479 You don't pay a cent until you're content. 1879 01:36:20.399 --> 01:36:25.319 Three time for an insurance check up free no obligation 1880 01:36:25.439 --> 01:36:29.319 comparison call Compass Insurance paying too much your coverage at 1881 01:36:29.359 --> 01:36:32.119 dozens of insurance companies find out now three oh three, 1882 01:36:32.239 --> 01:36:34.399 seven to seven to one help. You'll think you're his 1883 01:36:34.560 --> 01:36:37.159 only customer when you choose Frank durand the real estate 1884 01:36:37.199 --> 01:36:40.479 Man dot com to list your home with Remax Alliance 1885 01:36:40.720 --> 01:36:44.560 three oh three nine two zero sixteen twenty two. 1886 01:36:45.439 --> 01:36:48.119 All right, three oh three seven one, three eight. 1887 01:36:47.960 --> 01:36:49.880 Two five five, we got some lines open. 1888 01:36:49.920 --> 01:36:53.319 I'm gonna go to Stella with an issue with Renewal 1889 01:36:53.399 --> 01:36:56.720 by Anderson, and this hour, by the way, is brought 1890 01:36:56.760 --> 01:37:00.560 to you by Paul the Waterman, the best for less. 1891 01:37:00.880 --> 01:37:03.159 Susanna and I got a system from them a couple 1892 01:37:03.199 --> 01:37:05.760 of years ago. We couldn't be happier. And the reason 1893 01:37:05.800 --> 01:37:08.399 I'm so happy is it was more than half the 1894 01:37:08.479 --> 01:37:11.399 price of all the competitions. He's got one out there 1895 01:37:11.479 --> 01:37:15.680 right now, gets rid of forever chemicals, those microplastics gone. 1896 01:37:15.720 --> 01:37:18.800 You're not going to ingest them in your house, not on. 1897 01:37:19.039 --> 01:37:22.800 Not only that, but it softens the water and it 1898 01:37:23.319 --> 01:37:26.520 handles the chlorine. Think about that. Three things under thirty 1899 01:37:26.560 --> 01:37:29.840 six hundred bucks. The competition, you'd be well over ten 1900 01:37:29.880 --> 01:37:32.760 thousand and four. It's an incredible deal. Check them out 1901 01:37:32.760 --> 01:37:36.159 at waterpros dot net. We've been talking to Paul forever 1902 01:37:36.239 --> 01:37:40.760 about these waterpros dot net. Now Stella, What is going 1903 01:37:40.800 --> 01:37:43.319 on with renewal by Anderson. 1904 01:37:44.640 --> 01:37:49.039 Well, good afternoon, it's good to hear your voice. I 1905 01:37:49.119 --> 01:37:54.439 might clarify renewe by Anderson. They are doing business in 1906 01:37:54.479 --> 01:37:59.039 the state of Colorado called Window Warmth LLC. So I 1907 01:37:59.119 --> 01:38:01.840 just wanted to bring that out, but I didn't realize 1908 01:38:01.960 --> 01:38:05.880 what their reputation was. So back in February, we had 1909 01:38:05.920 --> 01:38:08.119 a guy come out give us a sales pitch because 1910 01:38:08.119 --> 01:38:13.119 we needed new windows. We liked the kid put down 1911 01:38:13.159 --> 01:38:16.800 some money for the windows. Big mistake maybe anyway, So 1912 01:38:16.840 --> 01:38:21.039 they just came out on Thursday to do the installation. 1913 01:38:21.920 --> 01:38:26.319 The crew of installators seemed to be competent, but they 1914 01:38:26.720 --> 01:38:33.479 miss measured the windows and the gaps on the whole window. 1915 01:38:33.880 --> 01:38:36.239 Wait a minute, wait, wait, Marstella, are you saying, not 1916 01:38:36.319 --> 01:38:39.960 only it's evident if there's a gap, they mismeasured it, 1917 01:38:40.039 --> 01:38:42.960 but why would they install it if they get there 1918 01:38:43.520 --> 01:38:47.119 and it's mismeasured. You're saying they still attempted or still 1919 01:38:47.159 --> 01:38:48.039 did install it. 1920 01:38:49.239 --> 01:38:52.960 Yes, and I left them alone because my husband was 1921 01:38:52.960 --> 01:38:56.399 at work, and he came home and we went out 1922 01:38:56.399 --> 01:39:00.119 to see how things are going. Noticed the gap and 1923 01:39:00.279 --> 01:39:05.840 the installers. I don't know where they're from, but not locally. 1924 01:39:05.880 --> 01:39:10.399 I don't think. He said that this is their setup. 1925 01:39:10.720 --> 01:39:12.840 They order windows for people. 1926 01:39:13.159 --> 01:39:15.720 They have to make them work. They put them in, 1927 01:39:15.760 --> 01:39:18.720 no matter how hodgepodge they are. And he goes, most 1928 01:39:18.720 --> 01:39:20.960 consumers don't pay attention. 1929 01:39:20.760 --> 01:39:21.359 Like we do. 1930 01:39:21.479 --> 01:39:24.079 He goes, we put them in, fill them with foam. 1931 01:39:25.159 --> 01:39:28.479 That's just how this company works. They got to put 1932 01:39:28.520 --> 01:39:29.319 them in, no matter what. 1933 01:39:29.960 --> 01:39:32.520 How does it look? I mean if you sent me pictures, 1934 01:39:32.600 --> 01:39:35.039 I mean what I have to really zoom in to 1935 01:39:35.119 --> 01:39:36.000 see that. 1936 01:39:36.159 --> 01:39:37.760 There's no not at all. 1937 01:39:38.000 --> 01:39:40.600 No, do you have any pictures of it? 1938 01:39:41.359 --> 01:39:43.960 Yes, sir, I took tons of pictures I took before 1939 01:39:44.000 --> 01:39:49.319 they started the install the install and what do they. 1940 01:39:49.199 --> 01:39:51.119 Say now when you call up and go, hey, this 1941 01:39:51.159 --> 01:39:51.920 looks horrible. 1942 01:39:53.399 --> 01:39:53.840 You know what? 1943 01:39:54.039 --> 01:39:59.319 The supposedly the supervisor of the installers came out. Well anyway, 1944 01:39:59.399 --> 01:40:00.000 let me back up. 1945 01:40:00.079 --> 01:40:02.359 So the ninety four my husband called him. 1946 01:40:02.760 --> 01:40:06.159 They got into a He was so caustic towards my husband, who, 1947 01:40:06.159 --> 01:40:08.840 by the way, is used to dealing with people like 1948 01:40:08.920 --> 01:40:12.439 this being in the military. The guy was so caustic, 1949 01:40:13.000 --> 01:40:16.920 wanted to blame everything but the major. Then he set 1950 01:40:17.000 --> 01:40:18.439 up a time he came out yesterday. 1951 01:40:18.479 --> 01:40:20.399 Well wait a minute, wait a minute, stella. What else 1952 01:40:20.439 --> 01:40:23.239 what he blamed besides the measurement? Is he alluding to 1953 01:40:23.279 --> 01:40:25.159 the fact you guys did something wrong? 1954 01:40:26.199 --> 01:40:31.479 He says, our windows are out of square, okay, and 1955 01:40:31.520 --> 01:40:33.880 I I'll send you the pictures. I'm happy to because 1956 01:40:33.920 --> 01:40:34.760 you would be shocked. 1957 01:40:34.880 --> 01:40:35.720 Yeah, I want to see him. 1958 01:40:35.760 --> 01:40:37.439 In fact, let me let me put you on hold, 1959 01:40:37.560 --> 01:40:40.239 just because where I'm at in the show get those 1960 01:40:40.279 --> 01:40:42.960 over to help at troubleshooter dot com. Kelly's gonna pick 1961 01:40:43.079 --> 01:40:45.199 up and tell you how to get him to him. Kelly, 1962 01:40:45.520 --> 01:40:50.479 send them to me, and send them to Nick Gravina 1963 01:40:50.720 --> 01:40:52.479 as well. I want to get his take on at 1964 01:40:52.520 --> 01:40:55.399 three oh three. I can't believe. And this is the 1965 01:40:55.439 --> 01:40:56.319 same thing, isn't it. 1966 01:40:56.439 --> 01:40:59.399 D Yeah, you know the gentleman who called a week 1967 01:40:59.479 --> 01:41:02.920 or two ago with a seventy thousand dollars project by renewal. 1968 01:41:02.640 --> 01:41:03.720 By seven windows. 1969 01:41:04.039 --> 01:41:05.239 It was not measured. 1970 01:41:05.760 --> 01:41:08.840 Yeah, And I'm just wondering how how does somebody go 1971 01:41:08.920 --> 01:41:10.600 about mismeasuring a window and. 1972 01:41:10.640 --> 01:41:12.079 Then then they blame the hole. 1973 01:41:12.680 --> 01:41:15.800 I mean apparently the window that was in there before 1974 01:41:16.159 --> 01:41:18.800 look good. Yeah, and now all of a sudden, it's 1975 01:41:18.840 --> 01:41:21.640 the problem with with the hole or the house. 1976 01:41:21.359 --> 01:41:22.359 Which seems curtain. 1977 01:41:22.399 --> 01:41:24.359 When you measure the hole, you know, you just go 1978 01:41:24.760 --> 01:41:27.920 X by y in inches or centimeters, right, depending on 1979 01:41:27.920 --> 01:41:30.880 which system and my theory, maybe they're using the metric 1980 01:41:30.960 --> 01:41:33.159 system when they should be using the American one. 1981 01:41:33.199 --> 01:41:35.239 I don't know, but it's possible. You think, you know, 1982 01:41:35.279 --> 01:41:37.720 you only have one thing to do, right, Yeah, we 1983 01:41:37.760 --> 01:41:41.119 had one job. Yeah, measure X and measure y and 1984 01:41:41.119 --> 01:41:42.119 put it down on paper. 1985 01:41:42.399 --> 01:41:42.680 Doc. 1986 01:41:43.399 --> 01:41:45.680 Did she paid by credit card so she can put 1987 01:41:45.680 --> 01:41:46.840 a hold on it and. 1988 01:41:46.840 --> 01:41:49.840 Dispute the charge. I would assume it's seventy grand plus. 1989 01:41:49.880 --> 01:41:51.960 I doubt they take a credit card, but we'll ask 1990 01:41:51.960 --> 01:41:52.560 her hold tight. 1991 01:41:57.880 --> 01:42:00.720 Go with a sure thing Denver's Best Room for excel 1992 01:42:00.840 --> 01:42:03.880 roofing dot com. You don't pay a cent until you're content. 1993 01:42:07.279 --> 01:42:10.439 Time for an insurance checkup free, no obligation. In comparison, 1994 01:42:10.600 --> 01:42:14.159 call Compass Insurance paying too much your coverage at dozens 1995 01:42:14.159 --> 01:42:16.880 of insurance companies find out Now three oh three seven 1996 01:42:17.000 --> 01:42:19.800 seven to one help. You'll think you're his only customer 1997 01:42:19.840 --> 01:42:22.079 when you choose Frank durand the real estate Man dot 1998 01:42:22.119 --> 01:42:25.439 com to list your home with Remax Alliance three oh 1999 01:42:25.479 --> 01:42:29.640 three nine two zero sixteen twenty two. 2000 01:42:29.880 --> 01:42:37.079 Okay, listen. I have seen bad window installations over the years. 2001 01:42:37.119 --> 01:42:40.000 We have seen plenty of pictures, but what I am 2002 01:42:40.079 --> 01:42:47.239 looking at right now is absolutely possibly the worst installation 2003 01:42:47.680 --> 01:42:49.720 I have ever seen of windows. 2004 01:42:50.159 --> 01:42:50.960 It's crazy. 2005 01:42:51.560 --> 01:42:57.319 There is gaps that aren't just gaps. They're like maybe 2006 01:42:57.359 --> 01:43:00.000 an inch to an inch and a half. There's play 2007 01:43:00.319 --> 01:43:04.079 is where they have so much foam. If the foam 2008 01:43:04.199 --> 01:43:06.920 wasn't there. There could easily be four or five inches 2009 01:43:07.520 --> 01:43:11.880 of gaps on these renewal by Anderson windows. This is 2010 01:43:11.920 --> 01:43:16.199 so unacceptable. I'm dying to know what they're even thinking about. 2011 01:43:17.439 --> 01:43:20.880 Where does it stand, Stella? Are they refusing? Well, I mean, 2012 01:43:20.920 --> 01:43:24.079 there's no way you can tell me that this is 2013 01:43:24.159 --> 01:43:26.479 acceptable or they find it acceptable. 2014 01:43:27.640 --> 01:43:27.960 Well. 2015 01:43:28.119 --> 01:43:31.399 Yes, the supervisor who came out, who was a bully, 2016 01:43:32.000 --> 01:43:36.279 told me that they were installed properly, that my windows 2017 01:43:36.279 --> 01:43:40.119 were out of square, and he was shaking his tape 2018 01:43:40.119 --> 01:43:42.720 measure at me, and I said, that's on your majure 2019 01:43:43.039 --> 01:43:43.960 for not catching that. 2020 01:43:44.039 --> 01:43:46.560 And I said, plus, my windows aren't out of square. 2021 01:43:46.239 --> 01:43:48.880 Because I don't even know why that would be that 2022 01:43:48.960 --> 01:43:50.880 big of a deal. I mean, they would be able 2023 01:43:50.920 --> 01:43:53.079 to square them up when they're installing the new ones, 2024 01:43:53.119 --> 01:43:57.920 I would assume. But here's what's getting me. And please 2025 01:43:58.039 --> 01:44:03.279 don't don't be at the pictures you sent. That is 2026 01:44:03.359 --> 01:44:06.760 how those windows sit right now. They haven't done anything 2027 01:44:07.279 --> 01:44:09.399 since then. If I went out and looked at it 2028 01:44:09.520 --> 01:44:10.880 right now, it looks like that. 2029 01:44:12.479 --> 01:44:12.920 It does not. 2030 01:44:13.159 --> 01:44:16.680 And I'll tell you why, okay, Because this supervisor named Jesse, 2031 01:44:18.000 --> 01:44:22.479 they came on Thursday. They left them open overnight, like 2032 01:44:22.560 --> 01:44:25.560 I just sent you pictures, and then Friday they came 2033 01:44:25.600 --> 01:44:29.439 out and the guy said, we are supposed to fell 2034 01:44:29.520 --> 01:44:31.760 them in because we're going to get bad weather. And 2035 01:44:31.800 --> 01:44:33.800 I said, if you fill them in, that does not 2036 01:44:34.000 --> 01:44:37.079 mean I'm accepting them. I want them replaced because they 2037 01:44:37.079 --> 01:44:39.680 are not sitting properly. He goes, no, we want to 2038 01:44:39.720 --> 01:44:42.319 make sure you don't have damage from rain or snow. 2039 01:44:42.560 --> 01:44:45.159 And I said, well, well, I don't. 2040 01:44:45.000 --> 01:44:47.119 Think that's a bad I don't think that's bad. But 2041 01:44:47.159 --> 01:44:49.600 hold on a second here, Hey, Nick, I am right 2042 01:44:49.680 --> 01:44:50.640 up against the time. 2043 01:44:50.680 --> 01:44:53.239 This is Nick Ravina. Did you get those pictures? 2044 01:44:54.399 --> 01:44:55.720 Yes, I'm looking at them right now. 2045 01:44:56.039 --> 01:44:59.600 What the hell I mean is that even close? Some 2046 01:44:59.640 --> 01:45:02.159 of those gaps I see like I could put my 2047 01:45:02.279 --> 01:45:05.159 hand outside. Is is there any way to take a 2048 01:45:05.199 --> 01:45:09.119 window with those kind of gaps and properly install them. 2049 01:45:09.439 --> 01:45:11.479 I've got to put you on hold, though, Nick, I 2050 01:45:11.479 --> 01:45:14.279 mean we can call you back after the break. Stella 2051 01:45:14.359 --> 01:45:17.680 hole tight. Mike's got a question on small claims three 2052 01:45:17.800 --> 01:45:20.800 oh three seven one three eight two five five, Yet 2053 01:45:21.159 --> 01:45:25.319 another issue with renewal by Anderson. 2054 01:45:25.359 --> 01:45:28.600 Go with a sure thing Denver's best Roofer excel roofing 2055 01:45:28.720 --> 01:45:31.359 dot com. You don't pay a cent until you're content. 2056 01:45:34.720 --> 01:45:37.920 Time for an insurance check up free, no obligation. In comparison, 2057 01:45:38.039 --> 01:45:41.640 call Compass Insurance paying too much your coverage at dozens 2058 01:45:41.640 --> 01:45:44.359 of insurance companies find out now three oh three seven 2059 01:45:44.359 --> 01:45:46.720 to seven to one help. You'll think you're his only 2060 01:45:46.800 --> 01:45:49.279 customer when you choose Frank durand the real estate Man 2061 01:45:49.319 --> 01:45:52.720 dot com to list your home with Remax Alliance three 2062 01:45:52.800 --> 01:46:04.800 oh three nine two zero sixteen twenty two Ripped off News. 2063 01:46:05.359 --> 01:46:09.119 Don't come run in just. 2064 01:46:09.159 --> 01:46:10.359 As as we can. 2065 01:46:11.680 --> 01:46:12.960 Shooter's gonna help. 2066 01:46:13.279 --> 01:46:22.039 Come Dix is the Troubleshooter Show. No Tom Martine, Welcome. 2067 01:46:21.319 --> 01:46:23.439 My friends to the only show of It's kay. We 2068 01:46:23.479 --> 01:46:27.760 are here to solve problems, answer questions, take complaints. You know, 2069 01:46:27.800 --> 01:46:30.399 we have a YouTube channel, and I just decided something. 2070 01:46:30.399 --> 01:46:32.520 I don't care what I have to do. If I 2071 01:46:32.560 --> 01:46:34.880 got to literally just take back control of the video. 2072 01:46:34.960 --> 01:46:37.800 I gotta be able to post pictures, and right now 2073 01:46:37.960 --> 01:46:41.840 I cannot post pictures. I want the entire world to 2074 01:46:42.079 --> 01:46:46.840 see how bad this installation job is. But now I'm 2075 01:46:46.840 --> 01:46:49.399 gonna go to one of our experts in windows Gravina 2076 01:46:49.520 --> 01:46:53.000 Nick Gravina and Nick, I think you got to look 2077 01:46:53.000 --> 01:46:53.720 at him by now? 2078 01:46:53.760 --> 01:46:54.960 Am I missing something? 2079 01:46:55.359 --> 01:47:00.159 Or would you would any installer like literally leave that job. 2080 01:47:00.359 --> 01:47:03.439 I mean, please tell me what you make of it. 2081 01:47:03.520 --> 01:47:07.920 I've never seen anything so crazy. 2082 01:47:08.079 --> 01:47:11.600 I mean, I definitely think they're short. You know, measuring 2083 01:47:11.640 --> 01:47:15.800 trapezoids and stuff like that can be tricky. The outside 2084 01:47:15.920 --> 01:47:18.279 is pretty deceiving. I'd like to know a little bit 2085 01:47:18.279 --> 01:47:20.119 more about what was in there. I'd assume maybe some 2086 01:47:20.159 --> 01:47:23.680 brickmall maybe, but yeah, they a lot of them look, 2087 01:47:23.880 --> 01:47:25.279 you know, shorter than. 2088 01:47:25.279 --> 01:47:28.000 You know, just you know, it looks like if some 2089 01:47:28.079 --> 01:47:33.199 of them look like they're possibly four or five inches short, right, Yeah, 2090 01:47:33.319 --> 01:47:35.520 I mean is there any way to install that or 2091 01:47:35.520 --> 01:47:37.520 do you got to reorder at that point? I mean, 2092 01:47:37.840 --> 01:47:40.840 is there any way that renewal can salvage this? 2093 01:47:42.319 --> 01:47:44.520 I mean, they could trim them. I still think that 2094 01:47:44.520 --> 01:47:47.560 they're short. I mean, any window can be trimmed, you know, 2095 01:47:47.640 --> 01:47:50.039 but how ugly does it look at the end of 2096 01:47:50.079 --> 01:47:52.159 the day, you know, and they really got kind of 2097 01:47:52.199 --> 01:47:54.880 shorted by, you know, quite a few inches on some 2098 01:47:54.960 --> 01:47:57.439 of them. You know, I'd be more than happy to 2099 01:47:57.439 --> 01:47:59.600 go out there and take a look too, because I 2100 01:47:59.640 --> 01:48:01.479 do think, you know, they should be tighter than what 2101 01:48:01.520 --> 01:48:02.640 they show on these pictures. 2102 01:48:02.840 --> 01:48:05.640 Hey, where are you located? Where's this house? Stella? 2103 01:48:06.840 --> 01:48:11.239 I'm in Peyton, Colorado for the life, kind of east 2104 01:48:11.279 --> 01:48:12.439 of Colorado Springs. 2105 01:48:12.760 --> 01:48:15.239 Yeah, that's pretty far, Nick, that's insanely far. 2106 01:48:16.000 --> 01:48:17.840 I know, the last three of them have been kind 2107 01:48:17.840 --> 01:48:19.359 of out everywhere. 2108 01:48:19.439 --> 01:48:19.880 Kind of out. 2109 01:48:20.239 --> 01:48:22.800 Yeah, they never say they never say the Tech Center, 2110 01:48:22.880 --> 01:48:26.479 do they? Or Lakewood? Yeah, it looks like, yeah, we're 2111 01:48:26.479 --> 01:48:31.079 in Durango. Oh gosh, yeah that's no. 2112 01:48:31.079 --> 01:48:32.399 No, we're not in Tarango. 2113 01:48:33.800 --> 01:48:35.560 Nick. I mean that's up to you. Do you got 2114 01:48:35.560 --> 01:48:37.560 anybody you'd want to send out there? I mean, that 2115 01:48:37.720 --> 01:48:41.039 is a very far deal. It's just that's that's completely 2116 01:48:41.119 --> 01:48:49.199 up to you many Stella, Hold on, go ahead ask her, Nick, 2117 01:48:50.359 --> 01:48:50.640 do you have. 2118 01:48:50.640 --> 01:48:52.600 Any pictures of what existed originally? 2119 01:48:54.039 --> 01:48:57.680 Yes, windows that were put in when we built that 2120 01:48:57.800 --> 01:49:00.720 sun room, and they were tight. I do have a 2121 01:49:00.840 --> 01:49:04.079 video that I took the night before, and I can 2122 01:49:04.119 --> 01:49:09.239 tell you there was no huge gaps like what Anderson's 2123 01:49:09.680 --> 01:49:11.159 Croup created. 2124 01:49:12.359 --> 01:49:15.720 What material was the original ones that they tore out? 2125 01:49:17.520 --> 01:49:20.920 Well, I don't know if I can tell you truthfully, 2126 01:49:21.520 --> 01:49:27.199 kind of a metal black on the outside with a screen, okay, 2127 01:49:27.920 --> 01:49:30.079 and they were side and they were side windows. 2128 01:49:30.119 --> 01:49:33.720 But you have pictures of that, right, Stella. 2129 01:49:33.840 --> 01:49:36.840 I do have a video of how it looked before 2130 01:49:36.880 --> 01:49:38.399 they took the windows out. 2131 01:49:38.279 --> 01:49:40.560 Okay, yea. 2132 01:49:40.600 --> 01:49:42.319 I would like to see what was in there to 2133 01:49:42.479 --> 01:49:44.840 help me because on the outside, you know, it could 2134 01:49:44.880 --> 01:49:47.279 have had some brick mold, which makes out look you know, 2135 01:49:47.399 --> 01:49:49.600 worse than it really is. But you know, it's kind 2136 01:49:49.600 --> 01:49:52.640 of nice to have all the information. But I do 2137 01:49:52.720 --> 01:49:55.520 think they definitely made some of them very very short. 2138 01:49:55.720 --> 01:49:58.319 Well, I'm looking at one here, there's foam next to it. 2139 01:49:58.399 --> 01:50:01.159 If you take the foam out, i'd say it's a 2140 01:50:01.239 --> 01:50:05.039 three to four inch gap up against the stucco or 2141 01:50:05.039 --> 01:50:05.840 whatever that is. 2142 01:50:06.840 --> 01:50:07.880 Yes, Ray brick. 2143 01:50:07.720 --> 01:50:09.560 Bold usually takes some about two inches of that. 2144 01:50:09.840 --> 01:50:10.840 Did you have brick? 2145 01:50:12.399 --> 01:50:17.520 No, we had some sort of cheap sighting and we 2146 01:50:17.640 --> 01:50:21.680 decided to stucco our house. So those the pre existing 2147 01:50:21.760 --> 01:50:24.520 windows were in when we stuccoed the house, and so 2148 01:50:25.119 --> 01:50:28.640 they put those blocks kind of around the windows to 2149 01:50:28.800 --> 01:50:30.159 just make it look fancier. 2150 01:50:30.680 --> 01:50:33.840 I guess really the question the question for me, and 2151 01:50:33.920 --> 01:50:36.439 we'll get you that video if Stella can figure out 2152 01:50:36.479 --> 01:50:39.800 how to get to me through maybe Gmail or a 2153 01:50:39.840 --> 01:50:42.359 link or a drive link or something, or a drop box. 2154 01:50:42.399 --> 01:50:45.279 But I'll get that over to you, Nick. But really 2155 01:50:45.319 --> 01:50:50.520 the question is they're basically blaming the windows or not. 2156 01:50:50.640 --> 01:50:53.680 I'm sorry, they're actually blaming the whole or the framing. 2157 01:50:53.760 --> 01:50:55.680 What exactly did they tell you, Stella? 2158 01:50:57.039 --> 01:51:00.880 Well, the supervisor of the installer came out with his 2159 01:51:01.000 --> 01:51:03.840 tape major and tried to tell me that because the 2160 01:51:03.840 --> 01:51:07.520 top windows were a little different, there was no way 2161 01:51:07.560 --> 01:51:10.560 they were ever going to fit good. And then he 2162 01:51:10.640 --> 01:51:13.319 tried to tell me that the window was out of 2163 01:51:13.399 --> 01:51:17.359 square and they would never fit properly. So everything was 2164 01:51:17.840 --> 01:51:20.119 the house's fault and not their. 2165 01:51:21.520 --> 01:51:24.680 Nick, I'm just I'm just curious industry standard. Let's just 2166 01:51:24.720 --> 01:51:27.960 talk about that right now. If you came out is 2167 01:51:28.000 --> 01:51:31.319 his industry standard. I understand there's things they can do 2168 01:51:31.880 --> 01:51:35.399 to fix the job without reordering or not. I mean, 2169 01:51:35.439 --> 01:51:38.279 I don't know, That's what I'm asking you. Where would 2170 01:51:38.319 --> 01:51:40.279 you guys stand on this at this point? 2171 01:51:41.920 --> 01:51:44.119 I mean I'd probably be too happy with my measure 2172 01:51:44.199 --> 01:51:47.680 tech at this point. Again, we would have, you know, 2173 01:51:48.279 --> 01:51:50.680 probably tried to address the things that they said after 2174 01:51:50.720 --> 01:51:54.840 the fact. If we thought that they were completely goofy. Yeah, 2175 01:51:55.159 --> 01:51:56.640 you know, we would have brought that up at the 2176 01:51:56.680 --> 01:51:59.399 measure and saying, hey, these are these are squarely. We're 2177 01:51:59.399 --> 01:52:00.800 going to do our best to get these. 2178 01:52:01.439 --> 01:52:03.199 You know, the line up you start prepping. 2179 01:52:03.319 --> 01:52:05.880 We try to measure for We try to measure for square. 2180 01:52:06.439 --> 01:52:10.279 Most windows are out of square. But how extreme you know, 2181 01:52:11.640 --> 01:52:15.520 I'd say anything you know, probably bigger than a half 2182 01:52:15.560 --> 01:52:18.159 inch probably should be addressed. 2183 01:52:18.560 --> 01:52:21.920 Yeah, I mean how much is over a half inch there? 2184 01:52:22.079 --> 01:52:24.840 Stella? I mean how many windows? Everyone? 2185 01:52:25.159 --> 01:52:29.600 Well, we had three, we had all the recount is. 2186 01:52:29.640 --> 01:52:33.319 Really your problem that those top two ones, the triangular ones, 2187 01:52:33.399 --> 01:52:34.720 is that your main problem? 2188 01:52:35.920 --> 01:52:36.840 No, it's all of them. 2189 01:52:37.119 --> 01:52:39.680 It's all of them that they stuck with foam and 2190 01:52:39.880 --> 01:52:42.640 foam the cinebrates, because I mean, there's so much staing 2191 01:52:42.760 --> 01:52:43.439 foam in there. 2192 01:52:44.159 --> 01:52:46.279 How would you if you had no choice but to 2193 01:52:46.399 --> 01:52:50.199 fix those, nick, how would you actually fix those gaps? 2194 01:52:50.399 --> 01:52:53.880 You would foam and then possibly put like a like 2195 01:52:53.960 --> 01:52:57.039 a border around made of another material to hide the 2196 01:52:57.079 --> 01:52:59.640 gap to make it all look even or what what 2197 01:52:59.760 --> 01:53:02.680 is fix if they refuse to redo them? 2198 01:53:03.760 --> 01:53:05.720 I mean, you know, I think they use a lot 2199 01:53:05.720 --> 01:53:07.600 of trim coil, which we use a lot of trim 2200 01:53:07.640 --> 01:53:09.920 coil as well. I mean that's kind of an industry thing, 2201 01:53:10.039 --> 01:53:11.720 so you can kind of bend at whatever you need. 2202 01:53:11.800 --> 01:53:15.119 It's out of aluminum now using matches. The window got 2203 01:53:15.119 --> 01:53:17.640 it so on the outside, I'm sure they would finish 2204 01:53:17.680 --> 01:53:20.920 it with an aluminum trim coil, and I would do 2205 01:53:20.960 --> 01:53:24.399 the same thing again. I'd probably like them to be 2206 01:53:24.399 --> 01:53:26.520 a little bit bigger. But and then the inside they 2207 01:53:26.560 --> 01:53:28.560 probably have some type of a flat stock they can 2208 01:53:29.079 --> 01:53:31.039 use as a frame expander. 2209 01:53:30.760 --> 01:53:33.479 So they should be able to make these look acceptable 2210 01:53:34.199 --> 01:53:37.600 and efficient, right, Yeah. 2211 01:53:37.640 --> 01:53:39.960 I don't think the efficiency. I don't think they're doing 2212 01:53:40.000 --> 01:53:42.760 anything with the efficiency. If they insulate them and they 2213 01:53:42.760 --> 01:53:44.319 trim and cock them in and out, I don't think 2214 01:53:44.359 --> 01:53:47.720 the efficiency is any different depending on the size. I 2215 01:53:47.760 --> 01:53:49.680 think it's just more of the aesthetic at the end 2216 01:53:49.680 --> 01:53:50.119 of the day. 2217 01:53:50.279 --> 01:53:52.640 Hey, Stella, if they can make them look good, I mean, 2218 01:53:52.640 --> 01:53:55.800 this is our window expert. He's saying, you know, you 2219 01:53:55.840 --> 01:53:57.880 should probably allow them to do that. But let me 2220 01:53:57.920 --> 01:54:00.600 ask you something. Where are you in payment? Did you 2221 01:54:00.680 --> 01:54:03.520 pay for them? Are you financing them? Where are we? 2222 01:54:03.720 --> 01:54:04.039 No? 2223 01:54:04.039 --> 01:54:09.159 No, we we gave them fourteen thousand dollars down and 2224 01:54:09.239 --> 01:54:11.600 owe them twenty eight thousand dollars. 2225 01:54:11.439 --> 01:54:13.800 And they're trying to collect that before they finish or. 2226 01:54:13.800 --> 01:54:16.000 Were they They did, yes, sir. 2227 01:54:16.199 --> 01:54:21.079 The guy, the installer told me that he needed a check, 2228 01:54:21.079 --> 01:54:23.239 and I said, there's no way because we're still waiting 2229 01:54:23.279 --> 01:54:25.479 on a French door to be installed, which by the way, 2230 01:54:25.600 --> 01:54:27.319 is the wrong door. But the guy tried to tell 2231 01:54:27.319 --> 01:54:27.680 me they. 2232 01:54:27.560 --> 01:54:30.239 Were going to put it in anyway, and. 2233 01:54:30.279 --> 01:54:33.960 They the finishing wood that they brought out for the 2234 01:54:34.000 --> 01:54:37.159 inside is not even wide enough to fill. 2235 01:54:36.760 --> 01:54:39.239 The gaps, so we may have to just hire. 2236 01:54:39.000 --> 01:54:43.439 A finishing carpenter to do that. So they didn't put 2237 01:54:43.439 --> 01:54:43.960 our friendship. 2238 01:54:44.079 --> 01:54:46.199 How did they get How did you did you write 2239 01:54:46.239 --> 01:54:48.000 them the twenty eight thousand dollars check? 2240 01:54:49.000 --> 01:54:51.840 Oh no, no, I've only we gave them the deposit 2241 01:54:51.880 --> 01:54:52.439 when they were here. 2242 01:54:52.680 --> 01:54:54.760 That's all you paid is fourteen thousand. 2243 01:54:54.920 --> 01:54:55.239 Yes. 2244 01:54:55.359 --> 01:54:57.000 Are they threatening to come after you? 2245 01:54:57.079 --> 01:54:57.239 Now? 2246 01:54:57.319 --> 01:54:57.720 What are they? 2247 01:54:57.760 --> 01:54:59.960 What are what are they saying? Or they're not even 2248 01:55:00.079 --> 01:55:00.800 been talking. 2249 01:55:00.560 --> 01:55:01.359 About that yet? 2250 01:55:01.640 --> 01:55:04.680 No, I can't get them. I got on the Secretary 2251 01:55:04.720 --> 01:55:07.640 of State's website to figure out where this window warms 2252 01:55:07.720 --> 01:55:10.359 place was and who owned it. I got hold of 2253 01:55:10.439 --> 01:55:13.399 the right office and their supervisor was supposed to call 2254 01:55:13.439 --> 01:55:16.359 me back today and I haven't heard anything. 2255 01:55:16.359 --> 01:55:19.000 Hey, Nick, that's a whole separate thing. I don't know 2256 01:55:19.039 --> 01:55:20.680 if you know this or not, but when I look 2257 01:55:20.760 --> 01:55:25.600 up Window Warmths, it basically says a DBA is Anderson. 2258 01:55:27.319 --> 01:55:27.840 Anderson. 2259 01:55:28.000 --> 01:55:30.479 I mean is that I don't even know how their 2260 01:55:30.560 --> 01:55:37.359 model works. Are they is renewal the manufacturers and everybody else? 2261 01:55:37.439 --> 01:55:41.439 All the installers are like local installed people around the 2262 01:55:41.479 --> 01:55:45.000 country because when I watch I've seen their infomercials, like 2263 01:55:45.039 --> 01:55:49.359 on Saturday morning, and I always thought their main thing was, 2264 01:55:49.399 --> 01:55:53.000 you know, you're dealing with the same people you're dealing 2265 01:55:53.039 --> 01:55:57.119 with the manufacturer, they're also the installers or everything. I 2266 01:55:57.159 --> 01:56:00.399 don't understand their business model. Do you know anything about it? 2267 01:56:02.199 --> 01:56:04.600 I mean, I think you know they're fairly correct and 2268 01:56:04.680 --> 01:56:07.359 that what I you know, Anderson renewaled by Anderson does 2269 01:56:07.439 --> 01:56:10.199 make the windows. I mean it's an Anderson window for sure, 2270 01:56:10.399 --> 01:56:14.039 got it? Everything I understand? You know they are they 2271 01:56:14.079 --> 01:56:18.680 are kind of independently owned across states. Okay, so it's 2272 01:56:18.760 --> 01:56:19.760 kind of like a franchise. 2273 01:56:19.880 --> 01:56:25.439 Yeah, this one says Window Warmths LLC DBA Renewal by Anderson, 2274 01:56:25.560 --> 01:56:28.920 Denver and Colorado Springs. So I assume whoever owns that 2275 01:56:29.079 --> 01:56:33.079 owns that territory, and that's you know, that is Anderson's 2276 01:56:33.159 --> 01:56:37.640 local dealer for Colorado Springs and Denver, right. 2277 01:56:37.520 --> 01:56:39.119 And I think that's the same one we've dealt with 2278 01:56:39.600 --> 01:56:40.880 before as well. 2279 01:56:40.920 --> 01:56:43.119 What do you think it wants you? I don't want 2280 01:56:43.159 --> 01:56:47.159 you to like. I'm just so curious when I have 2281 01:56:47.199 --> 01:56:50.600 a company that I have not heard any issues from 2282 01:56:50.680 --> 01:56:54.159 forever that now all of a sudden, everybody that calls 2283 01:56:54.159 --> 01:56:57.640 me on Anderson. I wonder if someone sold that franchise. 2284 01:56:58.000 --> 01:57:01.119 I wonder if there's a new ownership. In my opinion, 2285 01:57:01.159 --> 01:57:04.840 these guys really something changed. I don't know what changed 2286 01:57:05.079 --> 01:57:08.199 with the exception. Now all I get is complaints on 2287 01:57:08.239 --> 01:57:13.000 these guys. It's phenomenal. Actually, we just never had a 2288 01:57:13.039 --> 01:57:16.600 complaint on them for years and years. It's like Champion Windows. 2289 01:57:16.640 --> 01:57:19.439 For years and years and years, we never had a complaint. 2290 01:57:19.560 --> 01:57:21.840 And if we did get a complaint, and it did 2291 01:57:21.880 --> 01:57:25.479 happen occasionally, I guess maybe once a year we would 2292 01:57:25.520 --> 01:57:28.399 contact the right person and it would be handled every time. 2293 01:57:28.920 --> 01:57:32.159 I mean, and I'll tell you what happened. In my opinion, 2294 01:57:32.680 --> 01:57:35.239 they went to hell. Champion went to total hell. They 2295 01:57:35.319 --> 01:57:39.039 sold and there's a new way of looking at that company. 2296 01:57:39.039 --> 01:57:41.960 I don't even think they build the windows in Colorado anymore, 2297 01:57:41.960 --> 01:57:42.680 but they went to hell. 2298 01:57:42.720 --> 01:57:44.640 In my opinion, they're horrible. 2299 01:57:44.680 --> 01:57:47.560 Although I will say this, they seem to be getting 2300 01:57:47.600 --> 01:57:50.319 a little better because the complaints have slowed down, but 2301 01:57:50.439 --> 01:57:54.479 now all of a sudden, it's renewal. I just don't 2302 01:57:54.520 --> 01:57:56.720 get it. I'm going to get you that video. What 2303 01:57:56.760 --> 01:57:59.039 would you Where would you go from here? 2304 01:57:59.439 --> 01:57:59.680 Nick? 2305 01:58:00.000 --> 01:58:03.760 I mean, let's pretend you're Stella and you haven't paid 2306 01:58:03.800 --> 01:58:06.039 the other twenty eight thousand. It looks the way it 2307 01:58:06.079 --> 01:58:08.880 looks you're looking at it, and the door came in 2308 01:58:08.920 --> 01:58:11.439 the wrong size. My god, I mean, Stella, my gut 2309 01:58:11.439 --> 01:58:14.199 says you got to give them an opportunity to finish 2310 01:58:14.239 --> 01:58:16.279 the job. The one good thing I will say is 2311 01:58:16.600 --> 01:58:19.720 Nick made me feel better that even though they're this short, 2312 01:58:20.199 --> 01:58:23.039 they should still be able to make it look like 2313 01:58:23.079 --> 01:58:26.000 a good, clean install if they do it properly. 2314 01:58:26.119 --> 01:58:31.039 Right, Nick, Yeah, again, I think it's making them work, 2315 01:58:32.039 --> 01:58:33.960 So you know I would. 2316 01:58:34.079 --> 01:58:35.199 I still don't mind. 2317 01:58:35.039 --> 01:58:35.520 Going down there. 2318 01:58:35.520 --> 01:58:37.159 I would love to see what was coming out. 2319 01:58:37.680 --> 01:58:38.760 I really don't like some. 2320 01:58:38.800 --> 01:58:41.880 Of these, like the flashing seems like it's not tapping correctly. 2321 01:58:42.000 --> 01:58:43.720 I'd love it if you went down. I'll just leave 2322 01:58:43.760 --> 01:58:45.520 it at that. I'd absolutely love it. 2323 01:58:45.640 --> 01:58:49.079 Yeah, and then I can maybe talk to her Stella. 2324 01:58:49.119 --> 01:58:51.119 Are you there all the time or what? Is that 2325 01:58:51.279 --> 01:58:52.520 your primary residence? 2326 01:58:53.279 --> 01:58:57.760 Yes, it's primary residence, and so yes, I would love 2327 01:58:57.800 --> 01:58:59.479 to have you come down. And I'm not going to 2328 01:58:59.520 --> 01:59:02.319 have them do any work until you well, they won't 2329 01:59:02.319 --> 01:59:03.119 even call me back. 2330 01:59:03.159 --> 01:59:03.319 Well. 2331 01:59:03.359 --> 01:59:06.319 The one thing, the one thing I somewhat disagree on 2332 01:59:06.359 --> 01:59:10.039 you with those gaps right there, I mean, if it rains, 2333 01:59:10.159 --> 01:59:12.920 I mean, you can get some damage going. And if 2334 01:59:12.960 --> 01:59:15.760 they offered to come down and seal it up, whether 2335 01:59:15.800 --> 01:59:17.359 it did temporarily or not. 2336 01:59:17.479 --> 01:59:19.760 It sounds like they did in anticipation of bad weather. 2337 01:59:19.840 --> 01:59:22.199 They kind of covered up the big gaps, didn't they Still, 2338 01:59:22.439 --> 01:59:23.920 so the big gaps are covered up. 2339 01:59:24.000 --> 01:59:26.000 And I sent you a picture, and I sent you 2340 01:59:26.039 --> 01:59:28.079 a picture. I just went out and took another picture 2341 01:59:28.079 --> 01:59:30.199 of what the outside now looks like. They send that 2342 01:59:30.239 --> 01:59:34.119 to me inside how it looks. 2343 01:59:34.680 --> 01:59:36.720 I'd try to. I would have them try to finish 2344 01:59:36.760 --> 01:59:39.720 one window that you think is the worst, and so 2345 01:59:39.760 --> 01:59:42.479 then we can you know, you can have the visual 2346 01:59:42.479 --> 01:59:43.439 of what it would look like. 2347 01:59:43.840 --> 01:59:45.800 When do you think you can get down there, Nick? 2348 01:59:47.439 --> 01:59:47.560 Uh? 2349 01:59:47.800 --> 01:59:49.000 Probably later this week. 2350 01:59:49.520 --> 01:59:51.880 That's awesome, Stella, hold on, let me put you both 2351 01:59:51.880 --> 01:59:53.760 on hold. By the way, that's Nick Ravena. 2352 01:59:54.319 --> 01:59:54.439 Uh. 2353 01:59:54.600 --> 01:59:58.199 He's running the ship down there from his dad, Larry. 2354 01:59:58.239 --> 02:00:01.680 I think Larry moved to Florida. Nick's running in and out. 2355 02:00:01.760 --> 02:00:06.079 It's a family trusted name and windows and siding indoors 2356 02:00:06.199 --> 02:00:08.920 forever in Colorado. They've been on a refer list for 2357 02:00:08.960 --> 02:00:11.840 a long time and I appreciate Nick going down there. 2358 02:00:12.079 --> 02:00:14.800 You can check him out to it Gravina Windows dot com. 2359 02:00:14.840 --> 02:00:16.720 Here's what I really love about him when I say 2360 02:00:16.720 --> 02:00:19.800 it in his commercials all the time. Most window companies 2361 02:00:19.880 --> 02:00:22.640 like this one, renewal by Anderson, they have one window 2362 02:00:22.680 --> 02:00:23.560 they're trying to sell. 2363 02:00:23.560 --> 02:00:25.279 That's what they sell. That's it. 2364 02:00:25.319 --> 02:00:29.560 They're the manufacturer and they're they're franchisees. That's all they 2365 02:00:29.560 --> 02:00:34.600 can sell, from my understanding. But Nick, Gravina has twenty 2366 02:00:34.840 --> 02:00:38.880 different lines of windows. Twenty different no, I'm sorry, twenty 2367 02:00:38.920 --> 02:00:41.520 different manufacturers with two. 2368 02:00:41.560 --> 02:00:43.159 Hundred lines of windows. 2369 02:00:43.239 --> 02:00:45.319 So whether it's a fix and flip or a ten 2370 02:00:45.399 --> 02:00:49.800 million dollar house in Veil They've got everything you possibly need. 2371 02:00:50.119 --> 02:00:54.840 Gravina Windows dot com. Kelly, make sure Nick gets Stella's 2372 02:00:54.920 --> 02:00:58.199 number to reach out and Nick, I am looking really 2373 02:00:58.399 --> 02:01:01.159 forward to your assessment in the day's coming. 2374 02:01:06.960 --> 02:01:10.199 Go with a sure thing Denver's best roofer Excel Roofing 2375 02:01:10.319 --> 02:01:12.960 dot com. You don't pay a cent until you're content. 2376 02:01:16.319 --> 02:01:19.520 Time for an insurance checkup free, no obligation. In comparison, 2377 02:01:19.640 --> 02:01:23.159 call Compass Insurance paying too much your coverage at dozens 2378 02:01:23.199 --> 02:01:25.920 of insurance companies find out now three all three seven 2379 02:01:25.960 --> 02:01:28.319 to seven to one help. You'll think you're his only 2380 02:01:28.399 --> 02:01:30.880 customer when you choose Frank Durand the real estate man 2381 02:01:30.920 --> 02:01:34.359 dot com to list your home with Remax Alliance three 2382 02:01:34.359 --> 02:01:36.680 oh three nine to zero sixteen twenty two. 2383 02:01:37.560 --> 02:01:40.680 Coy, I really would like to know if something is changed, 2384 02:01:40.720 --> 02:01:44.199 if you're in that industry, and you know if renewal 2385 02:01:44.279 --> 02:01:46.600 by Anderson or what was the other name for him, 2386 02:01:46.760 --> 02:01:51.239 a window warmth, have they changed owners? What has happened? 2387 02:01:51.560 --> 02:01:55.000 How do you go from zero complaints for years to 2388 02:01:55.119 --> 02:01:58.079 three and six or eight weeks and it seems to 2389 02:01:58.119 --> 02:02:02.560 be sizing issues and then just the wrong windows, the 2390 02:02:02.640 --> 02:02:05.720 wrong We had a passive solar house that they literally 2391 02:02:05.760 --> 02:02:09.239 put the worst windows you could ever imagine on it, 2392 02:02:09.319 --> 02:02:13.439 that are horrible for a passive solar house. It's just nuts. 2393 02:02:13.439 --> 02:02:16.520 But it seems to be every week now. I would 2394 02:02:16.560 --> 02:02:19.319 love to know what's going on. If you know, help 2395 02:02:19.520 --> 02:02:23.079 at troubleshooter dot com. Help at troubleshooter dot com and 2396 02:02:23.239 --> 02:02:26.760 you could remain anonymous, but let us know something's going 2397 02:02:26.800 --> 02:02:29.680 on here. Thank goodness for Nick Gravina. He's going to 2398 02:02:29.720 --> 02:02:32.840 go out and look at it and get back with 2399 02:02:32.920 --> 02:02:37.520 some real information. It's just, uh, it really is bonkers. Mike, 2400 02:02:37.560 --> 02:02:40.079 what's your question on small claims? 2401 02:02:42.199 --> 02:02:43.359 Yeah? Mark you there? Yeah? 2402 02:02:43.399 --> 02:02:44.319 Man, what's your question? 2403 02:02:45.960 --> 02:02:48.720 Hey? What's the Is there a time limit? I have 2404 02:02:48.840 --> 02:02:50.920 an issue with a company. It was we had some 2405 02:02:51.000 --> 02:02:53.479 work done and they didn't finish back in May of 2406 02:02:53.680 --> 02:02:54.319 twenty two. 2407 02:02:54.720 --> 02:02:59.640 Oh my god, twenty the limit of Yeah, wow, I 2408 02:02:59.680 --> 02:03:02.279 think would still be good under Is it three years? 2409 02:03:02.359 --> 02:03:05.239 Is it past three years? 2410 02:03:05.920 --> 02:03:08.520 May of twenty two? So yeah, the end of this 2411 02:03:08.640 --> 02:03:10.640 May would be three years old. 2412 02:03:10.680 --> 02:03:13.960 Line, man, you're making me ask, you're making me ask 2413 02:03:14.439 --> 02:03:17.159 ai here, I think it's three years, but I want 2414 02:03:17.159 --> 02:03:20.000 to verify that. But while I'm looking that up, let 2415 02:03:20.039 --> 02:03:22.840 me ask you this what what didn't they finish? 2416 02:03:22.920 --> 02:03:24.680 And why'd you wait three years? 2417 02:03:26.199 --> 02:03:28.199 So I had I was going to do my rear 2418 02:03:28.279 --> 02:03:32.760 patio doing that polyaspartic by uh, it wasn't Garage Kings. 2419 02:03:32.880 --> 02:03:34.239 It was somebody else magic. 2420 02:03:34.600 --> 02:03:34.880 Yep. 2421 02:03:36.800 --> 02:03:37.920 Is that the contractor? 2422 02:03:38.000 --> 02:03:42.479 By the way, that Garage Magic was the contract. 2423 02:03:42.119 --> 02:03:44.079 Yeah, I think they went out of business. Didn't they 2424 02:03:44.079 --> 02:03:45.319 stick up? They stuck at a. 2425 02:03:45.520 --> 02:03:52.039 Table yep, paid them half down. They came out, put 2426 02:03:52.079 --> 02:03:54.880 the wrong sized product down. I wanted one inch flake 2427 02:03:54.960 --> 02:03:58.880 instead of quarter inch flake. Yeah, came out, did that 2428 02:03:58.920 --> 02:04:02.680 first layer. They went to launch. My wife sent me pictures. 2429 02:04:02.760 --> 02:04:04.239 Yeah that's the wrong place. 2430 02:04:04.319 --> 02:04:08.039 Yeah, you're you're, you're good. It's four years actually wait wait, wait, 2431 02:04:08.039 --> 02:04:11.960 wait a breach of contract. Four years for written contracts 2432 02:04:11.960 --> 02:04:15.439 and two years for verbal contracts. So it sounds like 2433 02:04:15.520 --> 02:04:18.800 you're fine if you have a written contract. But I'm 2434 02:04:18.800 --> 02:04:21.359 a little curious here. If they're out of business, I 2435 02:04:21.399 --> 02:04:23.039 thought they went bankrupt. 2436 02:04:25.000 --> 02:04:26.600 That's that's the issue. 2437 02:04:26.840 --> 02:04:28.319 Well, if they went bankrupt too. 2438 02:04:28.359 --> 02:04:34.199 Credit card statement onlike credit card statement it's Garage Kings. 2439 02:04:34.760 --> 02:04:37.880 Well they had a garage, So Garage Kings is like 2440 02:04:37.920 --> 02:04:42.520 a franchise like McDonald's. So basically there was someone that 2441 02:04:42.680 --> 02:04:45.439 owned it and then they sold it to somebody else. 2442 02:04:45.840 --> 02:04:48.960 And at one point the guy on Elite garage stores 2443 02:04:49.000 --> 02:04:52.680 who's on a referral list, he actually owned Garage Kings 2444 02:04:53.159 --> 02:04:56.560 and he bought it or picked up that franchise from 2445 02:04:56.600 --> 02:05:00.439 the guy that basically went bankrupt, the guy you're talking about. 2446 02:05:01.359 --> 02:05:05.720 So it still doesn't matter. Garage Magic is out of business. 2447 02:05:05.720 --> 02:05:07.399 I don't even know who you would sue. 2448 02:05:08.920 --> 02:05:11.439 Yeah, and I there is an on our credit card statement. 2449 02:05:11.479 --> 02:05:13.760 There's a nine to seven zero number that I called 2450 02:05:13.760 --> 02:05:16.760 about a year ago. Yeah, talked to some guy named John. 2451 02:05:16.880 --> 02:05:17.800 He's in Florida. 2452 02:05:18.000 --> 02:05:19.640 Yeah, what did he say? 2453 02:05:19.760 --> 02:05:21.399 By the way he goes, Oh, yeah, I know Tom. 2454 02:05:21.439 --> 02:05:23.399 I've talked to Tom a one hundred times. Like, okay, 2455 02:05:23.439 --> 02:05:24.000 I'm sure. 2456 02:05:23.800 --> 02:05:26.520 You did, but well he probably did, because there was 2457 02:05:27.520 --> 02:05:31.039 a certain point I was getting Garage Magic complaints like 2458 02:05:31.159 --> 02:05:34.560 every damn every week. Man, it was exactly what you said. 2459 02:05:34.800 --> 02:05:37.119 And see, this is why I'm gonna say this again. 2460 02:05:37.199 --> 02:05:39.880 I don't care if they're on a referral list or not. 2461 02:05:39.960 --> 02:05:43.720 There's one thing I am gonna say, unless if it's custom, 2462 02:05:44.159 --> 02:05:47.520 don't pay anything up front. This guy with garage Magic 2463 02:05:47.920 --> 02:05:51.399 was taken like fifty percent down and he basically didn't 2464 02:05:51.439 --> 02:05:54.359 finish jobs. He took the money and went bankrupt. I mean, 2465 02:05:55.079 --> 02:05:57.119 it is what it is. That's what happened. I'm sure 2466 02:05:57.159 --> 02:05:59.359 he went out of business. I don't think like he 2467 02:06:00.079 --> 02:06:02.960 tempted or you know, I don't think he was like. 2468 02:06:04.319 --> 02:06:06.640 I don't think he set up it like a scheme. 2469 02:06:06.760 --> 02:06:08.399 I just don't think he knew how to run his 2470 02:06:08.479 --> 02:06:11.439 business at all. And the freaking guy went bankrupt and 2471 02:06:11.479 --> 02:06:13.840 stuck a bunch of people. But don't pay up front, 2472 02:06:13.920 --> 02:06:16.840 I don't care what it is. Why it just curiosity? 2473 02:06:16.880 --> 02:06:18.640 Why did you pay up front? 2474 02:06:19.720 --> 02:06:22.199 That's just it. That's what That's what it was. Policy was. 2475 02:06:22.399 --> 02:06:24.920 And yeah, you know, since I got them off off 2476 02:06:25.000 --> 02:06:27.199 referral list, I'm like, all right, well, I know you 2477 02:06:27.199 --> 02:06:29.319 guys say don't pay up front, but yeah. 2478 02:06:29.159 --> 02:06:31.359 I know, I just don't pay up front? Did I 2479 02:06:31.439 --> 02:06:35.760 simply don't. I simply don't. And I know some members 2480 02:06:35.800 --> 02:06:38.199 of our referralists do it, and Grudge Magic is a 2481 02:06:38.239 --> 02:06:40.000 perfect example. 2482 02:06:40.760 --> 02:06:41.119 To be. 2483 02:06:42.560 --> 02:06:45.439 Very straight up, I never liked him. I didn't understand 2484 02:06:45.439 --> 02:06:47.600 why they were on there, but that at the time, 2485 02:06:48.520 --> 02:06:50.960 I didn't say anything. But I didn't like him. I 2486 02:06:51.039 --> 02:06:54.560 know that guy from another business that he did. I'm 2487 02:06:54.560 --> 02:06:58.239 not gonna say like he was ripping people off, but 2488 02:06:58.520 --> 02:07:01.560 I just don't like to get so that's that. But 2489 02:07:01.600 --> 02:07:04.359 it's too late. It's too late, and they did go bankrupt. 2490 02:07:04.439 --> 02:07:07.359 I don't think he was stealing money on purpose or anything. 2491 02:07:07.399 --> 02:07:09.479 I just think the guy doesn't know how to run 2492 02:07:09.479 --> 02:07:11.760 a company straight up, just has no clue. 2493 02:07:13.279 --> 02:07:15.479 And that's and that's what I heard. That John guy 2494 02:07:15.520 --> 02:07:17.680 said the same thing. He goes, Mike manager ran the 2495 02:07:17.720 --> 02:07:18.600 business at the ground. 2496 02:07:18.760 --> 02:07:20.840 Yeah, how much do you claim they still owe you? 2497 02:07:23.039 --> 02:07:25.079 Well, they owe me two thirty eight dollars. 2498 02:07:25.119 --> 02:07:25.359 Good. 2499 02:07:25.399 --> 02:07:27.239 And you never had the job done, did you? 2500 02:07:28.079 --> 02:07:29.520 It sounds like it was unfinished. 2501 02:07:29.560 --> 02:07:33.279 I got. Yeah. They came down, they did the concrete straight, 2502 02:07:33.680 --> 02:07:36.479 you know, standing down. Yeah, they put a first layer down, 2503 02:07:37.119 --> 02:07:41.720 threw the flake down, went to lunch, came back. I said, 2504 02:07:41.760 --> 02:07:44.119 well that's the wrong size flake. They said, they'll order 2505 02:07:44.159 --> 02:07:46.720 the flake, come back and redo it, and then just 2506 02:07:46.840 --> 02:07:49.960 timing wise. And then it got into you know, fall, 2507 02:07:50.000 --> 02:07:52.680 and when it was too cold, so the following spring 2508 02:07:52.720 --> 02:07:55.960 they were going to do it and timing again. And 2509 02:07:56.000 --> 02:07:57.479 then in May they were out of business. 2510 02:07:57.680 --> 02:08:00.279 Yeah, they they It sucks, man, I mean I'm to 2511 02:08:00.319 --> 02:08:04.319 take in fifteen calls exactly what he's saying. They took 2512 02:08:04.319 --> 02:08:07.760 half the money up now, some of it right before 2513 02:08:07.800 --> 02:08:11.119 the end. I did get a bunch of people refunded 2514 02:08:11.159 --> 02:08:13.520 their deposit, and the guy simply ran out of cash. 2515 02:08:13.600 --> 02:08:16.079 I mean that's kind of first come, first serve, is 2516 02:08:16.119 --> 02:08:17.239 how the refunds worked. 2517 02:08:17.760 --> 02:08:17.960 Mike. 2518 02:08:18.039 --> 02:08:20.479 Were you listed as a creditor in their bankruptcy filing? 2519 02:08:20.479 --> 02:08:22.439 Do you remember getting all those letters from the US 2520 02:08:22.520 --> 02:08:23.239 bankruptcy court. 2521 02:08:24.399 --> 02:08:26.600 I don't think received something like that. 2522 02:08:26.640 --> 02:08:29.119 I don't think anybody forced him into bankruptcy. I think 2523 02:08:29.159 --> 02:08:30.039 they just shut down. 2524 02:08:30.119 --> 02:08:32.439 Oh so it wasn't a bankruptcy. They just went out 2525 02:08:32.479 --> 02:08:32.800 of business. 2526 02:08:32.840 --> 02:08:35.560 They just went out of business. No one forced the 2527 02:08:35.600 --> 02:08:39.560 factor created a lawsuit to where they actually had to file. So, 2528 02:08:39.760 --> 02:08:42.079 I mean, no one. Everybody was like in his case, 2529 02:08:42.119 --> 02:08:45.079 twenty five hundred bucks. It was all right around there. 2530 02:08:45.159 --> 02:08:47.680 Although I wish that did happen. I really do wish 2531 02:08:47.720 --> 02:08:51.680 that happened. But yeah, man, I'm sorry, there's not us Yeah, 2532 02:08:51.720 --> 02:08:53.439 there's not much else I can tell you. Did you 2533 02:08:53.479 --> 02:08:56.319 ever call TJ up and see if he would come 2534 02:08:56.359 --> 02:08:58.079 out and cut you a hell of a deal getting 2535 02:08:58.119 --> 02:08:59.520 it fixed. If you haven't done. 2536 02:08:59.319 --> 02:09:04.279 It, you know, we haven't done it yet. There was 2537 02:09:04.319 --> 02:09:07.039 a company that came out I think was maybe Rock 2538 02:09:07.119 --> 02:09:08.640 Solid or Solid Rock nothing. 2539 02:09:08.800 --> 02:09:10.439 I'm going to tell you the guy to use. Man, 2540 02:09:11.119 --> 02:09:12.680 I'm going to tell you the guy to use. 2541 02:09:12.800 --> 02:09:13.640 Take over there. 2542 02:09:15.319 --> 02:09:16.880 Yeah, I don't care who it is. 2543 02:09:17.000 --> 02:09:19.119 We're going to take over their stuff and get get 2544 02:09:19.199 --> 02:09:21.279 payment from the old equipment or something. 2545 02:09:21.399 --> 02:09:21.600 Yeah. 2546 02:09:21.680 --> 02:09:24.600 Yeah, and but still charges like another four grand. It's like, well, 2547 02:09:24.600 --> 02:09:26.119 the whole bill was only forty. 2548 02:09:25.920 --> 02:09:28.000 Yes, so it makes no sense. Listen, I want you 2549 02:09:28.039 --> 02:09:30.960 to call tj Up. I have known this guy personally 2550 02:09:31.119 --> 02:09:33.880 and his wife for coming on ten years. He's an 2551 02:09:33.880 --> 02:09:37.319 avid listener. He has done my patio, he has done 2552 02:09:37.760 --> 02:09:40.800 my garage floor. And I'm going to tell you something. 2553 02:09:41.079 --> 02:09:44.520 About four years after he did my patio, some cracks 2554 02:09:44.720 --> 02:09:47.239 came out. He was at my house about a month 2555 02:09:47.279 --> 02:09:52.760 ago and totally resanded and totally refinished, completely under warranty. 2556 02:09:53.079 --> 02:09:56.000 And you will not pay him a nickel until he 2557 02:09:56.159 --> 02:09:58.319 is done and you like the job. He doesn't ask 2558 02:09:58.319 --> 02:10:01.079 for any money up front. He does a great job. 2559 02:10:01.239 --> 02:10:04.399 I now know the product personally because I've used him twice. 2560 02:10:04.600 --> 02:10:06.920 And the patio is kind of weird because it's out 2561 02:10:07.119 --> 02:10:10.000 outside and we live in Franktown. But the thing is 2562 02:10:10.079 --> 02:10:13.560 great in the weather. But seven two zero nine three 2563 02:10:13.800 --> 02:10:17.319 nine two four four eight seven two zero nine three 2564 02:10:17.439 --> 02:10:20.640 nine two four four eight And by the way, tell them, 2565 02:10:21.239 --> 02:10:24.359 and I'm talking just to you, Mike, tell him, Uh, basically, 2566 02:10:24.399 --> 02:10:26.479 you know you were part of that whole garage magic 2567 02:10:26.520 --> 02:10:29.199 because he hated that guy. And see maybe he will 2568 02:10:29.199 --> 02:10:31.399 hook you up at a discount price. Let me know 2569 02:10:31.439 --> 02:10:32.840 how that goes, would you please? 2570 02:10:34.279 --> 02:10:36.479 Cannight? Should I said it'd be worth it me doing 2571 02:10:36.520 --> 02:10:37.439 small clans or not? 2572 02:10:37.680 --> 02:10:39.880 No, it's no, there's nothing to go after. 2573 02:10:40.279 --> 02:10:43.039 There's nothing to go out, there's nothing to go after. 2574 02:10:44.520 --> 02:10:49.199 Well that sucks. It does suck, all right, man, all right, yeah, 2575 02:10:49.239 --> 02:10:50.520 I'll get ahold TJ. Thanks Mark. 2576 02:10:50.600 --> 02:10:54.399 Thanks man. Uh, let's take a quick break for dragon strangles. 2577 02:10:54.479 --> 02:10:58.359 Me go with a sure thing Denver's best roofer Excel 2578 02:10:58.479 --> 02:10:59.479 Roofing dot com. 2579 02:10:59.520 --> 02:11:07.000 You don't pay until you're contenth. 2580 02:11:04.920 --> 02:11:08.479 Time for an insurance checkup free no obligation comparison call 2581 02:11:08.600 --> 02:11:11.920 Compass Insurance paying too much your coverage at dozens of 2582 02:11:11.920 --> 02:11:14.600 insurance companies find out Now three oh three seven to 2583 02:11:14.640 --> 02:11:17.479 seven to one help. You'll think you're his only customer 2584 02:11:17.479 --> 02:11:19.760 when you choose Frank durand the real estate man dot 2585 02:11:19.800 --> 02:11:23.119 com to list your home with Remax Alliance three oh 2586 02:11:23.159 --> 02:11:25.199 three nine two zero sixteen twenty two. 2587 02:11:27.039 --> 02:11:33.880 Pay Jack Place CMG. Lenders reverse mortgages tru or false one. 2588 02:11:34.479 --> 02:11:36.880 You can only charge so much. In other words, the 2589 02:11:36.880 --> 02:11:40.239 federal government has stepped in and there's limits on how 2590 02:11:40.319 --> 02:11:42.800 much someone can charge for reverse mortgage. 2591 02:11:42.960 --> 02:11:43.279 True. 2592 02:11:43.560 --> 02:11:45.640 Yes, And what is getting an idea of one of 2593 02:11:45.680 --> 02:11:46.359 the limits? 2594 02:11:46.600 --> 02:11:49.600 I mean, you know, if if your home value is 2595 02:11:50.159 --> 02:11:53.880 above six hundred thousand, you know, the origination fee is 2596 02:11:53.920 --> 02:11:57.319 basically like a maxis six thousand, So. 2597 02:11:57.359 --> 02:12:00.199 You can't charge over six thousand on the origination on 2598 02:12:00.239 --> 02:12:02.680 the origination. Now, let me ask you this. Can you 2599 02:12:02.840 --> 02:12:04.680 charge less than six thousand? 2600 02:12:04.880 --> 02:12:05.439 Yes? You can? 2601 02:12:05.560 --> 02:12:08.479 Do you guys charge less in the maximum. 2602 02:12:07.840 --> 02:12:09.479 A lot most times we do. People. 2603 02:12:09.600 --> 02:12:11.520 Yeah, people don't realize that. 2604 02:12:11.680 --> 02:12:13.840 They think it's they think if they shot for a 2605 02:12:13.880 --> 02:12:16.600 reverse mortgage and they actually think this. There's a lot 2606 02:12:16.600 --> 02:12:20.000 of people that think this about a thirty or fixed too. 2607 02:12:20.359 --> 02:12:23.039 They think everybody's going to be the same, and it's 2608 02:12:23.079 --> 02:12:24.560 simply not true. 2609 02:12:24.479 --> 02:12:28.199 Not true, not close. Now everybody's same on the high end. 2610 02:12:28.319 --> 02:12:29.319 But you know you can. 2611 02:12:29.199 --> 02:12:32.439 Well the reverse mortgage, you can't go over six right, right, 2612 02:12:32.479 --> 02:12:34.880 And that's what a lot of reverse mortgage people tell 2613 02:12:34.920 --> 02:12:37.520 people is like, oh, we're all regulated. We can't charge 2614 02:12:37.520 --> 02:12:40.920 you more. I know that, but they can charge less. 2615 02:12:41.199 --> 02:12:45.119 Yes, the heckam the federal go they copy what you can, 2616 02:12:45.199 --> 02:12:46.439 but you can always charge less. 2617 02:12:46.479 --> 02:12:49.199 And what age for a reverse mortgage? Now, fifty four 2618 02:12:49.199 --> 02:12:49.880 to fifty five? 2619 02:12:50.159 --> 02:12:52.479 There's some products out there. You can go to fifty five. 2620 02:12:52.600 --> 02:12:54.840 I mean, sixty two is still kind of the heckum 2621 02:12:54.880 --> 02:12:58.239 the main product. But we backup. There's products we can 2622 02:12:58.279 --> 02:13:01.079 go at fifty five. We can do a a second 2623 02:13:01.399 --> 02:13:03.640 mortgage now on a reverse. 2624 02:13:03.800 --> 02:13:06.840 Oh wait, so let's say wow, on a reverse. So 2625 02:13:06.920 --> 02:13:10.159 if I was let's say locked in on my original 2626 02:13:10.239 --> 02:13:13.119 thirty year and I and I had fifty percent plus 2627 02:13:13.119 --> 02:13:15.199 of the home paid for, but it's a two or 2628 02:13:15.239 --> 02:13:17.520 three percent mortgage rate and I don't want to get 2629 02:13:17.600 --> 02:13:19.880 rid of it, I can do. I can put a 2630 02:13:19.960 --> 02:13:21.920 reverse on this on a second. 2631 02:13:22.159 --> 02:13:24.439 Yeah, we do. It's called the home safe second. As 2632 02:13:24.439 --> 02:13:26.560 long as you have the equity in there, and a 2633 02:13:26.560 --> 02:13:28.800 lot of people want to keep that. Like you said, 2634 02:13:29.079 --> 02:13:31.399 they may be twenty years into it, so they're paying 2635 02:13:31.439 --> 02:13:32.159 mostly presents. 2636 02:13:32.199 --> 02:13:34.079 We'll get down off soon. Yeah, and then the only 2637 02:13:34.239 --> 02:13:36.800 loan or the only loan remaining is going to be 2638 02:13:36.840 --> 02:13:37.439 the reverse. 2639 02:13:37.640 --> 02:13:41.039 And it's a great way for seniors to because you 2640 02:13:41.079 --> 02:13:43.199 can pay off debt, you know, with you can get 2641 02:13:43.279 --> 02:13:45.760 rid of rid of debt with is it always. 2642 02:13:45.479 --> 02:13:47.600 From the youngest person in the home. Let's go back 2643 02:13:47.640 --> 02:13:50.600 to the traditional sixty two and a half and let's 2644 02:13:50.600 --> 02:13:55.760 say yours. Let's say the husband's seventy and the wife 2645 02:13:55.960 --> 02:13:57.079 is fifty five. 2646 02:13:57.760 --> 02:14:00.520 No, you can do them now, but they will. The 2647 02:14:01.039 --> 02:14:03.520 calculations will lend you based on the. 2648 02:14:03.479 --> 02:14:08.680 Fifty five age, but you qualify, but you can't qualify. Yes, okay, 2649 02:14:08.720 --> 02:14:10.680 and I'm gonna get absurd here, but let's say the 2650 02:14:10.720 --> 02:14:13.600 guy's eighty and the woman's twenty five. 2651 02:14:14.159 --> 02:14:18.520 You could, but you'd basically, yeah, he'll you'd basically have 2652 02:14:18.600 --> 02:14:20.119 to have a free and clear I mean you're gonna 2653 02:14:20.119 --> 02:14:20.880 be gonna. 2654 02:14:21.119 --> 02:14:25.920 Like credit million dollar Yes. In other words, it just 2655 02:14:25.960 --> 02:14:27.439 wouldn't make sense, would make sense? 2656 02:14:27.479 --> 02:14:28.319 Not verry. 2657 02:14:28.520 --> 02:14:32.640 Can you have a first first reverse and a second reverse. 2658 02:14:32.840 --> 02:14:34.840 No, I cannot do that because. 2659 02:14:35.199 --> 02:14:36.600 Reverse is gonna own those. 2660 02:14:37.279 --> 02:14:40.239 You can't do any kind of second on the first barry. 2661 02:14:40.319 --> 02:14:44.119 You guys have uh, Tom might be there, he might not, 2662 02:14:44.600 --> 02:14:45.960 But you guys have a. 2663 02:14:46.000 --> 02:14:48.359 Zoom coming up, a webinar webinar. 2664 02:14:48.800 --> 02:14:52.479 So anybody out there that's been listening about Vestera turnkey 2665 02:14:52.520 --> 02:14:53.680 is that where they go to sign up? 2666 02:14:54.399 --> 02:14:58.840 They go to My Biggest Return dot com dot com 2667 02:14:58.880 --> 02:15:02.239 my Biggest Return doc and it's free. It's this Saturday, 2668 02:15:02.319 --> 02:15:03.359 one hour in length. 2669 02:15:03.560 --> 02:15:06.199 So you just log on, check it out and ask 2670 02:15:06.439 --> 02:15:07.680 any question anywhere. 2671 02:15:08.239 --> 02:15:11.800 Well, we take the questions afterwards because we pack information 2672 02:15:12.600 --> 02:15:16.039 afterwards the questions. We stick around for two hours and 2673 02:15:16.079 --> 02:15:17.199 we're answering questions. 2674 02:15:17.199 --> 02:15:19.680 And what's the average people, let's say in the past. 2675 02:15:19.800 --> 02:15:22.720 Let's just take I don't know what three years. What's 2676 02:15:22.880 --> 02:15:26.439 the average rate of return for someone that started three 2677 02:15:26.560 --> 02:15:27.000 years ago? 2678 02:15:27.359 --> 02:15:31.039 Three years ago now, the average rate of return would 2679 02:15:31.039 --> 02:15:35.079 be between forty six and fifty four percent. 2680 02:15:35.119 --> 02:15:36.359 Tell me that's not incredible. 2681 02:15:36.600 --> 02:15:37.439 It's a little. 2682 02:15:37.199 --> 02:15:40.640 Lower now because of the higher interest rate. Still incredible, 2683 02:15:40.680 --> 02:15:44.520 but but the little lower now means forty two to 2684 02:15:44.600 --> 02:15:45.000 forty one. 2685 02:15:45.079 --> 02:15:46.439 And they could always REFI. 2686 02:15:46.439 --> 02:15:48.760 Oh yeah, people, and they will they will be and 2687 02:15:48.960 --> 02:15:49.600 they listen. 2688 02:15:49.680 --> 02:15:51.920 I want people to understand this. I mean, these guys 2689 02:15:51.960 --> 02:15:55.960 make it easy to make those returns, but you own 2690 02:15:56.039 --> 02:15:58.399 the house. You could, you could buy it and sell 2691 02:15:58.399 --> 02:15:59.520 it tomorrow if you want. 2692 02:15:59.760 --> 02:16:01.279 You hold the at. 2693 02:16:01.000 --> 02:16:04.079 There's no long term agreement. You guys aren't on the deed. 2694 02:16:04.239 --> 02:16:06.840 Whoever it is owned the property. Yeah, and you can 2695 02:16:06.920 --> 02:16:09.359 use whatever realtor you want. You can do whatever you want. 2696 02:16:09.800 --> 02:16:13.239 So what you're crazy to do it that way, because 2697 02:16:13.840 --> 02:16:16.560 that's what these guys specialize in. But I just want 2698 02:16:16.600 --> 02:16:19.239 people to understand you're not like giving him a chunk 2699 02:16:19.239 --> 02:16:22.079 of money and you own nothing. You you literally own 2700 02:16:22.159 --> 02:16:22.760 that property. 2701 02:16:22.800 --> 02:16:23.199 You own it. 2702 02:16:23.239 --> 02:16:26.359 We had two people who ran into job problems, like 2703 02:16:26.399 --> 02:16:29.479 they were losing their jobs. Sure okay, and they said, Barry, 2704 02:16:29.520 --> 02:16:32.280 and they stay in touch. We stay in touch. They say, hey, 2705 02:16:32.440 --> 02:16:34.040 what do we do? I said, well, let's. 2706 02:16:33.920 --> 02:16:34.600 Talk about it. 2707 02:16:34.920 --> 02:16:35.520 Both of them. 2708 02:16:35.639 --> 02:16:37.479 We talked it through for a month or two when 2709 02:16:37.479 --> 02:16:41.040 they got their job largely back. But we have a 2710 02:16:41.079 --> 02:16:43.120 pool of buyers for it right there. 2711 02:16:43.200 --> 02:16:44.239 Yeah, you're ready, said. 2712 02:16:44.079 --> 02:16:46.200 You don't have to listen and go through all of that. 2713 02:16:46.280 --> 02:16:46.840 Yeah, we're right. 2714 02:16:46.879 --> 02:16:48.120 Now, and we were ready. 2715 02:16:48.159 --> 02:16:50.399 But but then their jobs came back and they said 2716 02:16:50.520 --> 02:16:53.000 we'd rather keep it berry. I said, keep it, keep it, 2717 02:16:53.120 --> 02:16:53.639 keep all right. 2718 02:16:53.680 --> 02:16:55.600 So I want to give a couple numbers that real quick. 2719 02:16:55.680 --> 02:16:59.840 So John Clace, partner in lending dot Com c MG 2720 02:17:00.200 --> 02:17:03.879 Financial once again. These guys do two billion plus a 2721 02:17:03.959 --> 02:17:07.440 month and lending you go straight to the lender. That's 2722 02:17:07.479 --> 02:17:10.959 these guys reverse mortgages, ten year, twenty year, thirty year, 2723 02:17:11.040 --> 02:17:12.879 pretty much any term traditional. 2724 02:17:13.000 --> 02:17:14.239 They're going to beat the rates. 2725 02:17:14.360 --> 02:17:16.000 And on top of that, they have the all in 2726 02:17:16.079 --> 02:17:18.079 one loan, which I don't think anybody else in the 2727 02:17:18.120 --> 02:17:20.920 country has. That's what Suzanne and I have three oh 2728 02:17:21.000 --> 02:17:24.000 three five seven seven seven two zero six. And I 2729 02:17:24.079 --> 02:17:27.520 promise you, if you're dealing with someone right now, send 2730 02:17:27.719 --> 02:17:29.879 over the paperwork. What do you look for the truth 2731 02:17:29.920 --> 02:17:30.440 and lending. 2732 02:17:31.040 --> 02:17:33.159 It's called the lending estimate, a loan estimate. 2733 02:17:33.239 --> 02:17:35.559 Look at the loan estimate. Send it over to John. 2734 02:17:35.600 --> 02:17:37.559 He'll eyeball and say I can beat it by this, 2735 02:17:38.120 --> 02:17:39.760 or if it's the best deal out there, or you'll 2736 02:17:39.799 --> 02:17:40.280 say that's. 2737 02:17:40.159 --> 02:17:41.559 All great, that's a great deal. 2738 02:17:41.639 --> 02:17:44.879 Yeah, I mean, it's just more information. A lot of 2739 02:17:44.920 --> 02:17:48.840 people don't think of shopping mortgages. You have to three 2740 02:17:48.959 --> 02:17:52.040 oh three five seven seven seven two zero six three 2741 02:17:52.079 --> 02:17:55.600 oh three five seven seven seven to two zero six 2742 02:17:55.959 --> 02:17:58.799 partner in lending dot com than Barry. I've got the 2743 02:17:58.840 --> 02:18:01.719 wrong website up here. Give it to me again, my 2744 02:18:01.959 --> 02:18:05.719 biggest com. Check it out, Get signed up. It's an 2745 02:18:05.760 --> 02:18:08.799 hour of your time. Think of the numbers he just gave. 2746 02:18:09.079 --> 02:18:13.639 He teamed up with Wave eight. That's Martino's financial advisor company. 2747 02:18:14.000 --> 02:18:16.159 Check them out. You have to check him out, My 2748 02:18:16.280 --> 02:18:19.200 Biggest return dot com. We'll be right back, Robert hold 2749 02:18:19.239 --> 02:18:19.319 On