Speaker 1: Yeah, ripped news, you need advice? Who you don't have?
Speaker 2: Come running just as fast as we can.
Speaker 1: Shooter's gonna help. Come.
Speaker 3: Man, this is the Troubleshooter Show now, Tom Martinez.
Speaker 1: Show three oh three seven one three talk seven one
Speaker 1: three eight two five five here to help you solve problems,
Speaker 1: answer questions, and take complaints. As you see, we're transitioning
Speaker 1: with our uh you know our stuff. We're transitioning from
Speaker 1: YouTube uh what we used to do, to a new
Speaker 1: kind of system. So bear with us. We are here
Speaker 1: to help you any way we can. And it's still hey,
Speaker 1: gets to stop that I have it. As it turns out,
Speaker 1: I have the best system in the world. But I
Speaker 1: don't know why that just happened. Let me just do this. Sorry,
Speaker 1: somehow I'm going nuts here. But people, here's what I'm saying.
Speaker 1: We're gonna have some growing pains, but it's gonna be
Speaker 1: much better. And then I'm gonna then Mark will be
Speaker 1: included and we'll all be doing it. It'll be wonderful.
Speaker 1: Trust me when I tell you, it will be wonderful.
Speaker 1: So what is going on in your life? How can
Speaker 1: we help you? And I will tell you. We will
Speaker 1: talk now about insurance. I think insurance has become a major, major,
Speaker 1: major deal in our lives. I think Brian will tell
Speaker 1: you that, Brian burns Compass insurance.
Speaker 4: It's become a major freaking expense in our lives.
Speaker 1: I would never believe that for a few cars and
Speaker 1: a house, Brian. I mean, you know, Mark loves talking
Speaker 1: about this, but we don't mind. What are families pay?
Speaker 1: What am I paying? Don't know? Fifteen grand? I don't
Speaker 1: know your's is cheap? Then Marvel Mark, you guys had
Speaker 1: some unfortunate any accidents and he claims nothing while you're
Speaker 1: out in the country. Brian, what are families paying with kids, houses? Cars?
Speaker 5: Well, if you have teen drivers, excuse that obviously. But
Speaker 5: let's just say, you know, two drivers, two cars, and
Speaker 5: a house. I would say the average premium people are
Speaker 5: paying is is north of five thousand a year for sure.
Speaker 1: Well, I'm telling you it's unbelievable. Unbelievable. Now, along with
Speaker 1: you guys, I believe we have Deputy Dollar and Chopper
Speaker 1: and and so what we want to do is solve
Speaker 1: some problems. We're going to start out with Michael has
Speaker 1: an issue with a computer, and as I said, we've
Speaker 1: had our issues. The computer's Mark, I don't know if
Speaker 1: you want me to dump that laptop. I don't know.
Speaker 1: I mean, I have it sitting over there and it's
Speaker 1: like a boat. It still convinced it works perfectly. But
Speaker 1: keep it there. You're full of crap. It doesn't work
Speaker 1: perfect he Mark is convinced that I cause all the
Speaker 1: problems we have. Technically. He's convinced that that so is Shannon.
Speaker 1: And I don't know how this happened, but I swear
Speaker 1: to you. Things do break with me. They they do,
Speaker 1: but I don't know why. Anyway, Michael, what's going on
Speaker 1: with you?
Speaker 6: Well, I'll start out first telling you when it computer
Speaker 6: and dumb as a rock, so I called you. I
Speaker 6: got a new HP computer, then using it. The only
Speaker 6: thing I use it for is my banking. But now
Speaker 6: when I turn it on, it says I'm locked out,
Speaker 6: and on the bottom it said call Microsoft.
Speaker 1: No no no, no, no, no no no, no, that's's
Speaker 1: that's a virus. That's a virus.
Speaker 6: I've been listening to you for years, and.
Speaker 1: Thank you, thank you for not losing your life savings.
Speaker 1: Do you know how many people lose their life savings.
Speaker 1: There's a few things going on right now. One is
Speaker 1: that where you're locked out, So go to a local store,
Speaker 1: like you know, just go to a local store, a
Speaker 1: microcenter or something who are best buy, But do not
Speaker 1: call any of those numbers being locked out of your computer,
Speaker 1: or or saying that you know, good warning, you know
Speaker 1: you've been infected and all of that. That's going to
Speaker 1: be a way for them to get you to call.
Speaker 1: And then they're going to get on your computer and
Speaker 1: steal your stuff. The next thing they the next thing
Speaker 1: they do, and they did this recently, took two hundred
Speaker 1: grand from a senior citizen. I'm not kidding you. They
Speaker 1: told him that his computer and in fact we had
Speaker 1: a call here. This was not the call, but we
Speaker 1: did have a call previously too, and he'll lost I
Speaker 1: say only, but he lost his life savings twenty some thousand.
Speaker 1: But they say your computer's being used for illegal purposes
Speaker 1: and you have to cooperate or your mail, you have
Speaker 1: to prove it's not you. And then they make you,
Speaker 1: not make you, they have you do stupid things like
Speaker 1: share things with them, go out and get your bank
Speaker 1: account withdraw money, all of that. So I'm so happy
Speaker 1: you called us. How old. Is this HP computer about
Speaker 1: two old? Oh? Okay, so Mark can't blame me for
Speaker 1: doing this since you had it, it's not mine. But
Speaker 1: tell me when this happened. Were you surfing one day
Speaker 1: and it locked up? Or were you did you just
Speaker 1: turn it on one day and it happened.
Speaker 6: I turned it on and it was already locked up.
Speaker 1: Okay? Do you log in with on an email? He
Speaker 1: just had he somehow? He was I right? Do you
Speaker 1: log in? Do you log in with a password?
Speaker 7: Yes?
Speaker 1: You do? And did you put my computer with Did
Speaker 1: it say you had the wrong password? No? What does
Speaker 1: it say exactly?
Speaker 6: Well, it's my password just to get onto my computer,
Speaker 6: to start my computer.
Speaker 1: I know. But can you enter that? Does it accept
Speaker 1: your password? Yes? Okay? And then then what happens? Yeah?
Speaker 1: I just want to know what happens, because if your
Speaker 1: password is working, which it should, you're going to be
Speaker 1: getting into your computer. And then you show the lock up, right.
Speaker 6: Right, And I'm a computer and that's.
Speaker 1: Right, But but that's after you log into your computer, right, Okay?
Speaker 1: Got it? Now? Did you try powering down your.
Speaker 6: Computer by just shutting it off?
Speaker 1: Not just shutting it off, but literally like yeah, but
Speaker 1: not sleeping it, but turning it off and restarting it.
Speaker 6: The only way I turn it off is just close
Speaker 6: the lid.
Speaker 1: No, that's not turning it off. You have a power switch, right, No, yeah, you.
Speaker 6: Don't have a button I pushed to log hands or
Speaker 6: just start it.
Speaker 1: Okay, that's what I mean. That button. Hold down for
Speaker 1: ten seconds. It should turn off completely, and then I'm
Speaker 1: going to put you on hold for a minute. I
Speaker 1: want you to recycle that computer. That'll get you out
Speaker 1: of sometimes some of those, sometimes not. Sometimes I put
Speaker 1: a little bug in there. But just hold on and
Speaker 1: do that. Okay, hold the power switch, yep, and make
Speaker 1: it go dark to where you open and close it,
Speaker 1: and you press that button and it starts up all
Speaker 1: over again, because normally when you open the lid and
Speaker 1: press the button, it instantly lights up. Right yeah, that's
Speaker 1: because it's never turned off. You want to turn it
Speaker 1: completely off, and so usually a few seconds everything goes dark,
Speaker 1: little lights on the front whatever. Then you restart, press
Speaker 1: the button again and it goes through the starting sequence
Speaker 1: like Windows starts up. In all of that. That is
Speaker 1: a Windows computer, right HP, of course, So hold on
Speaker 1: and we'll come back to you. But recycle that computer
Speaker 1: and I'll bet you you're not locked out. Sometimes it
Speaker 1: survives a boot and it's a little worm in your computer.
Speaker 1: But we'll see. William wants to talk about something else.
Speaker 1: Go ahead, A twenty twenty four four two fifty super
Speaker 1: diesel Diesel. What a freaking monster of a truck. Brother,
Speaker 1: What is happening with it? Will you?
Speaker 6: It's been in and out of the four dealership three
Speaker 6: different times for three different things.
Speaker 1: Happened, three different things. When did you buy it?
Speaker 6: I bought it exactly not two months ago and it
Speaker 6: had ten ten miles on it. It was brand new.
Speaker 1: Okay, well and tell me what, tell me what happened?
Speaker 1: I mean, like with the different things, are they serious?
Speaker 1: What are they?
Speaker 6: The first time, so that the very first day I
Speaker 6: bought it. The next day the engine light came on,
Speaker 6: so I took it back in and I told him
Speaker 6: that the engine light came on. They fixed it and
Speaker 6: I got it back. The second time, there was a
Speaker 6: really loud noise to my steering when I was steering it,
Speaker 6: like it was low on power steering fluid, and I
Speaker 6: told him about it. They checked it out and they
Speaker 6: told me there was nothing wrong. With It was completely normal,
Speaker 6: so I kind of just let that go. I was
Speaker 6: driving it for a little while and the thing left
Speaker 6: me stranded about a mile away from home as I
Speaker 6: was going to work.
Speaker 1: And when you said left your stranded stranded, what did
Speaker 1: it do?
Speaker 6: I was making some kind of weird noise underneath. I
Speaker 6: can't really explain it. But once I got to the
Speaker 6: gas station to shut it off, I went in the
Speaker 6: store and came back out. It wouldn't start again. It
Speaker 6: was just like the ignition was stuck on and it
Speaker 6: just wasn't all right.
Speaker 1: Hold on, I'm going to try to get Jeff Thicken
Speaker 1: on here about that. Uh so we got uh, We're
Speaker 1: gonna get that, and then we're gonna go back to
Speaker 1: Michael as well. So you hang on. I'm Tom Martino
Speaker 1: three oh three seven one three talk seven one three
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Speaker 1: until you're content. Time for an insurance check up, free
Speaker 1: no obligation comparison call Compass Insurance paying too much your
Speaker 1: coverage at dozens of insurance companies find out now three
Speaker 1: oh three seven seven to one help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate Man dot com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Hey Tom Martino here three oh three seven one three
Speaker 1: talk three oh three seven one three A two five five.
Speaker 1: I want to go back to Michael to see if
Speaker 1: you rebooted the computer and got into it. Michael, Yeah,
Speaker 1: so did you back on? You didn't do it? Yeah? Yeah,
Speaker 1: turn it back on, press the button, let it light up,
Speaker 1: and go through the cycle. I'll come back to you so,
Speaker 1: so it did turn off though, right, yes, and I
Speaker 1: just turned back on good and you see it going
Speaker 1: through the windows and all that, like it's starting up
Speaker 1: for sure, right yep, All right, hang on there, I'll
Speaker 1: go back to William. Hey, William, we do have okay,
Speaker 1: so we have Kevin talking on just as good as
Speaker 1: Jeff Fick. We have them all. We have good people. Kevin.
Speaker 1: This I don't know what the hell's going on with
Speaker 1: this diesel truck. I haven't heard a lot of problems
Speaker 1: with these super diesels. He has a four twoint fifty
Speaker 1: and well do you have. But the way you're describing it, William,
Speaker 1: you're having different problems, right, You're not having the same problem.
Speaker 1: Is that correct?
Speaker 6: Yes, sir, there are three different problems.
Speaker 1: Okay, just again describe them to him quickly. Not what
Speaker 1: you think it is, not what you were told it is,
Speaker 1: but the symptoms.
Speaker 6: It sounded like the star was stuck on or something,
Speaker 6: and it was just what does that mean? Like it
Speaker 6: just kind of a yeah, just kept cranking over but
Speaker 6: it wouldn't start, Okay.
Speaker 1: But when you said stuck, I mean you could turn
Speaker 1: that off or did you? Did it keep just going
Speaker 1: run round? Around round.
Speaker 6: I turned it off.
Speaker 1: Okay, So but when you turn it on, it just
Speaker 1: cranks and doesn't start. Is that right?
Speaker 6: Correct?
Speaker 1: That could be as simple as bad fuel. I mean,
Speaker 1: you know on those diesels, but number of things. Yeah, yeah,
Speaker 1: it's okay.
Speaker 7: Glow plug like cycle normally when you turn you know,
Speaker 7: when you first get into the glow plug like come on,
Speaker 7: you know, the weight light.
Speaker 6: The newer ones they said that you didn't have to
Speaker 6: wait for anything. They didn't have glow pluggs and they
Speaker 6: did it.
Speaker 1: Did it start? Yeah, because they spark them right, not
Speaker 1: spark like a spark plug, but they're they're they're heated.
Speaker 8: Yeah.
Speaker 1: Let me ask you something on the hard start, does
Speaker 1: it eventually start? Yep? Okay, Then what's your next You
Speaker 1: said three problems?
Speaker 6: The gas senser made the engine light come on the
Speaker 6: very first time. They had a lead.
Speaker 1: So but that is that something that's gone. I just
Speaker 1: want to know about the nagging problems.
Speaker 6: The engine light was on the next day I bought it,
Speaker 6: so I took it in and they told me it
Speaker 6: was a gas answer that went out. And then I
Speaker 6: got my truck back and everything was fixed and everything
Speaker 6: was going good. And then I was telling you about
Speaker 6: that time I went to work and it wentn't start.
Speaker 1: But the engine light problem with the gag sensor was corrected, right.
Speaker 6: Yeah, I was corrected the first time, yes, sir.
Speaker 1: Okay, nine okay, So while that's a pain in the ass,
Speaker 1: it was corrected. It's minor. The other one was cranking
Speaker 1: a lot that has not been corrected. And then the
Speaker 1: one where you got stuck. What was that one?
Speaker 6: That one it's still in the shop there. It's a
Speaker 6: fuel thing. I guess it's in the fuel system.
Speaker 1: They told me. Is that the same problem? Okay? Is
Speaker 1: that basically the same problem as the hard starting? Uh? That?
Speaker 6: I don't know. It's it's a different issue from the
Speaker 6: first time.
Speaker 1: And then but they're probably related, wouldn't you say, Kevin?
Speaker 1: I mean that did believe they would.
Speaker 7: Be yees, yeah, that's two coincidental.
Speaker 1: So what what when they say fuel delivery? What happened
Speaker 1: that you had to call them? What happened? What happened?
Speaker 6: Well, when I took it back to for dealership.
Speaker 1: No, why did you take it back? How did you
Speaker 1: get stuck? Literally? How did you get stuck?
Speaker 6: I was going to work and it just wouldn't start.
Speaker 6: I stopped at the gas station and went out started to.
Speaker 1: Go, Okay, so it is the same It is the
Speaker 1: same crank. You said you had various problems. This is
Speaker 1: the same problem.
Speaker 6: I guess it is. It's a fuel gas, it's a
Speaker 6: gas answer, so I guess, well, okay.
Speaker 1: It's the same problem. Okay, So, so are are they
Speaker 1: making any headway with this?
Speaker 9: They're not.
Speaker 6: They're actually leaving me out of the loop. That's why
Speaker 6: I'm a little frustrated.
Speaker 1: Okay, is it in the shop right now?
Speaker 6: Yes, it is. It's been in there for a couple
Speaker 6: of weeks.
Speaker 1: Now I want okay, I want, uh, I want one
Speaker 1: of our guys to call what do you think it is? Kevin?
Speaker 7: You know, hard to say. I mean, if they're taking
Speaker 7: two weeks to figure it out, it's obviously not something simple.
Speaker 7: But yeah, it's all the same problem.
Speaker 1: Either that, either that Kevin, or it's sitting there and
Speaker 1: every time a tech gets a chance, he goes over
Speaker 1: and instead is working on the stuff that's bringing in money.
Speaker 1: I mean, that's a reality.
Speaker 7: If possible, it may be starting for him too.
Speaker 1: Okay, here, let's have Chopper call over there. Okay, Sometimes
Speaker 1: just when we start inquiring, they at least put some
Speaker 1: attention to it. So let's at least do that for you.
Speaker 1: I call it lighting a fire. Okay, let's let's do it.
Speaker 1: I think we can chopper you. You love cars. Let's
Speaker 1: let's go over in and see what we can I'll
Speaker 1: do it. You not go over, but let's call him
Speaker 1: and see what we can do here. Three oh three
Speaker 1: seven one three talk three oh three seven to one,
Speaker 1: three eight two five five back to Michael now. And
Speaker 1: by the way, uh, give us a call if you
Speaker 1: have a problem. By the way, that's shared at autotech
Speaker 1: dot com. Three oh three, four, five, five, seventy two
Speaker 1: forty two. And uh, we haven't finished with insurance. We've
Speaker 1: got a lot to talk about there. I got a
Speaker 1: lot of texts here. People are going nuts with their insurance.
Speaker 1: They don't know what to do. Sad fact is, though
Speaker 1: sometimes Compass is having the same problem. I mean, they
Speaker 1: can look The benefit with them is they can look
Speaker 1: at twenty five different companies, so you're not stuck with one.
Speaker 1: But the truth is, sometimes you have the best deal
Speaker 1: that they can find, so you keep it. But that's
Speaker 1: the honest part of the insurance checkup. William excuse me, Michael.
Speaker 1: Let's talk about your uh your computer. Did you recycle it?
Speaker 6: Yeah? I got it on, so my pig to get on.
Speaker 1: Yeah, and oh you didn't do Okay, he was waiting
Speaker 1: for me yet it's going. Yeah, let's see if it locks,
Speaker 1: if it still says you're locked out, and we'll.
Speaker 10: See and uh doesn't look like what sir, I'm not out,
Speaker 10: but it went that kind of my Yeah, but I can.
Speaker 7: Go to differ.
Speaker 1: Here's here's what happened that thing. Many of these things
Speaker 1: that lock up your computer do it just while you're on,
Speaker 1: while the computer's on. A lot of people think they're
Speaker 1: turning their computer off and they're not. But let me
Speaker 1: explain another thing to you. That's not to say you're
Speaker 1: completely safe. I don't know if you are or not.
Speaker 1: Do you do you do you run good malware and
Speaker 1: virus fare programs.
Speaker 6: I'd never have on this computer.
Speaker 1: Well, you probably should. You probably should have sal Windows Defender,
Speaker 1: which is the best. Okay, So then make sure Windows
Speaker 1: Defender is activated, and then do another thing, just because
Speaker 1: you should have two party or two factor authentication for
Speaker 1: any accounts that you have. Now, what I love on
Speaker 1: my computer is I have a fingerprint pad that I
Speaker 1: can touch.
Speaker 6: I got one of those two.
Speaker 1: Then you should enable it so no one can log
Speaker 1: in for you or do or do it where they
Speaker 1: have to verify by text or something. Everyone should have
Speaker 1: two factor verifications or the new security keys. Security keys
Speaker 1: are hardware and I haven't heard of anyone hacking security
Speaker 1: keys yet. I'm thinking about getting one. So it would
Speaker 1: be a little USB thing you carry and it's encoded
Speaker 1: and encrypted and you pop it in. Now what I
Speaker 1: I'm afraid of is if you just pop so you
Speaker 1: use your password and then pop that in. That's your
Speaker 1: second verification for those who don't have fingerprints, or if
Speaker 1: you're on another computer. Here's the problem with those keys.
Speaker 1: I think I think you can probably insert it and
Speaker 1: give it to some I think someone can trick you
Speaker 1: into inserting it. Possibly, I'm not sure if they can
Speaker 1: record it. I don't know that much about it. They're
Speaker 1: relatively new, but a lot of people are starting to
Speaker 1: use them. They're called security keys, and really it's an
Speaker 1: electronic key that goes into your USB. And I haven't
Speaker 1: heard about many people being hacked with them, which is
Speaker 1: a good thing. So, Michael, due to two party verification.
Speaker 1: I don't know about you, guys, but I think I
Speaker 1: deserve my own dinger here. I mean I think I do.
Speaker 1: I mean, I think I solve that problem right on
Speaker 1: the air, and I don't know why my dinger's not working.
Speaker 1: There go, we've just heard the last part. Man, Well
Speaker 1: hold on, hold on, there we go finally mine god okay.
Speaker 1: Three oh three seven one three eight two five five.
Speaker 1: I think his problem was when he launches a browser.
Speaker 1: But maybe, okay, maybe maybe he does. So you're saying
Speaker 1: it could happen again when he launches is did he
Speaker 1: hang up? I mark a lot of times, like when
Speaker 1: it happens when people shut their computer off turn on
Speaker 1: they can browse again. But I don't know. I mean,
Speaker 1: who knows. It could be something from chatterbait or something
Speaker 1: Who knows? Uh? Three oh three seven one three eight
Speaker 1: two five five. Frank Duran, the real estate man can
Speaker 1: help you figure out what you're going to get for
Speaker 1: your house in this crazy market because he's selling each
Speaker 1: and every day more than anyone else, and he can
Speaker 1: give you a good idea of what your house will
Speaker 1: sell for with no obligation. Three oh three nine two
Speaker 1: zero sixteen twenty two. Frank Duran the real Estateman dot com.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free no obligation comparison
Speaker 1: call Compass Insurance Paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three oh three seven
Speaker 1: to seven to one help. You'll think you're his only
Speaker 1: customer when you choose Frank durand the real Estateman dot
Speaker 1: com to list your home with Remax Alliance three oh
Speaker 1: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 1: your troubleshooter three O three seven one three talks seven
Speaker 1: one three eight two five five eight eight eight Heating
Speaker 1: dot com. It's the shoulder season. Get them to check
Speaker 1: out your furnace and air now honest people, people I
Speaker 1: know in trust eight eight eight Heating dot com. Hey,
Speaker 1: Mark knows them too, Garrett, good guy. Hey speaking to
Speaker 1: good guys. We have Brian Burns. If you look in
Speaker 1: the dictionary and or good guy, you see his picture
Speaker 1: and uh. The Insurance helps Center dot com. We're doing
Speaker 1: insurance checkups and by the way you can do that
Speaker 1: without us by calling them directly three h three nine
Speaker 1: nine six nine thousand. He'll tell us what he saved people.
Speaker 1: During every show, we find people we can save money. However, Brian,
Speaker 1: let's be honest about this. It used to be eighty
Speaker 1: five percent of the time, and of course you're always
Speaker 1: honest eighty five percent at the time you save people money.
Speaker 1: It's gotten a little different now, hasn't it.
Speaker 5: It has It's hard to find savings.
Speaker 1: For a lot of seventy fifty.
Speaker 5: Tell me closer, closer to fifty, honestly, Oh no, really,
Speaker 5: so fifty telling people to switch cause sometimes we'll find
Speaker 5: a savings. But then I'll look at their policy and
Speaker 5: they have a lower deductive well they're kind of grandfathered in,
Speaker 5: and I'll say, you know, here's the differences, and I'll
Speaker 5: tell them, you know what they're giving up by going
Speaker 5: with a lower rate, if that's in fact what they're doing,
Speaker 5: and then they can make that decision as well.
Speaker 1: And if you go to the Insurance Health Center dot com,
Speaker 1: hit on a request a quote, and we're going to
Speaker 1: change that button to say insurance check up on I'll
Speaker 1: be showing you your banner in a little while here
Speaker 1: I made for you. I think I think people want
Speaker 1: to know if they're paying too much, have a good deal,
Speaker 1: or what I mean, if they have a great deal,
Speaker 1: they want to know that too. Hey, shay Lee, let's
Speaker 1: talk about this. This is happening a lot vehicles, campers, boats.
Speaker 1: I heard the other day comps don't And I mean,
Speaker 1: how can you blame them? They don't bother, They don't
Speaker 1: even bother looking they take a report with a camper
Speaker 1: with a boat. We've even had people call police and say, hey,
Speaker 1: I saw my boat. It's over, you know, in another neighborhood,
Speaker 1: and no one does anything. It's so frustrating. But I
Speaker 1: don't know if I can blame the police, you know,
Speaker 1: I don't know. Maybe maybe they have their hands full one,
Speaker 1: you know. Anyway, what's going on with you, Shayey?
Speaker 11: Yeah, So I have a travel trailer that you know,
Speaker 11: I wasn't using.
Speaker 1: I still owe on it.
Speaker 11: I decided to go ahead and essentially let somebody purchase
Speaker 11: it with payments and.
Speaker 1: Oh but you still owe money on it. You broke
Speaker 1: your agreement.
Speaker 11: So yeah, I still owe money on it. And the
Speaker 11: credit Union they knew that I was I was going
Speaker 11: to sell it to somebody on payments.
Speaker 1: Well, hold on, hold on, what do you mean they
Speaker 1: how did they know?
Speaker 4: Oh?
Speaker 12: I told them.
Speaker 11: I flat out told them what I was doing.
Speaker 1: Well, that's weird because they would have called that do.
Speaker 1: You probably didn't call someone who actually cared, but if
Speaker 1: they would have called that note, they would have called
Speaker 1: the note do. I mean it's due on sale. But
Speaker 1: any way, let's continue that. We still want to try
Speaker 1: to help you here. So you sold it to someone
Speaker 1: on installments even though you you still owed What did
Speaker 1: you owe on it?
Speaker 13: Yep?
Speaker 11: So well, so I was keeping the title and everything
Speaker 11: or that you know.
Speaker 1: They would in your You were keeping it in your name?
Speaker 11: Yep, yep, that's correct.
Speaker 1: How much you owe on it?
Speaker 11: Fifteen thousands?
Speaker 1: Okay, now, yep, so that was smart. At least she
Speaker 1: kept the title. Now what.
Speaker 11: So now the gentleman was not making payments. I threatened
Speaker 11: to come and take the trailer, and he did.
Speaker 1: You have that in a security agreement. By the way,
Speaker 1: that that's called a security agreement. A lot of people
Speaker 1: make the mistake of doing an installment plan, but they
Speaker 1: don't go they don't do the next thing, which is
Speaker 1: called a security agreement. That's where you have the right
Speaker 1: to take it back. Not all loans are automatically secured. Yep.
Speaker 14: So in the.
Speaker 11: Contract it says that if he is within like six
Speaker 11: days late of a payment, I have the ability to
Speaker 11: take it back and then.
Speaker 1: When okay, and does it also address then what happens
Speaker 1: to the money you've collected or the money still do?
Speaker 1: Does it address any of that or does it accelerate
Speaker 1: the note that he has to pay it in full?
Speaker 1: I mean, what are the provisions or did you just
Speaker 1: be honest now just make this up as you went along?
Speaker 11: No, So in the contract it I'm almost positive it
Speaker 11: says that I would essentially just keep it and I
Speaker 11: would keep the payment.
Speaker 1: Who made up the contract?
Speaker 11: I did it through Rocket lawyer.
Speaker 1: Okay, I don't know mister Rocket, but okay, So anyway,
Speaker 1: let's talk about this now. What's going on?
Speaker 11: Well, so he was late on a payment and came
Speaker 11: back and told me, well, it was stolen two days ago.
Speaker 11: I guess he just parked it in the middle of.
Speaker 1: Only one payment. He's only one payment back.
Speaker 11: No, he's he's been late on probably the last five payments.
Speaker 1: When you say late, did he miss five payments or
Speaker 1: late on five.
Speaker 11: Payments he was, he was, he missed two payments, he
Speaker 11: was late on probably five.
Speaker 1: Okay, okay, now the latest you hear it's been stolen?
Speaker 11: Yes, he said he was driving around, he parked it
Speaker 11: in a neighborhood and because he was having car problems,
Speaker 11: decided to go deal with his car problems. Came back
Speaker 11: and it.
Speaker 1: Was gone, Oh my goodness, you have he has who
Speaker 1: has insurance?
Speaker 11: I have insurance and he is a named insured on
Speaker 11: the insurance. However, the insurance company is seeing a lot
Speaker 11: of problems with the claim, and one that he's been
Speaker 11: so late on all of his payments. They question whether
Speaker 11: he still has the trailer and he's just saying it
Speaker 11: was stolen.
Speaker 1: Two, well, did you do a police report?
Speaker 11: I did do a police report, but you just file
Speaker 11: it online, nothing happens.
Speaker 1: Well, so your insurance is refusing to perform. Hey, Brian,
Speaker 1: let's talk about this. Coming back. We got an expert
Speaker 1: here on insurance. What would happen in a case like that?
Speaker 1: Do they have the right to question that? Can she
Speaker 1: even do this where she is insured and she insures
Speaker 1: this other guy while it's under sale? Let's talk about it.
Speaker 1: I'm Tom Martineau. Go with a sure thing Denver's best
Speaker 1: roofer Excel Roofing dot com. You don't pay a cent
Speaker 1: until you're content. Time for an insurance checkup free, no obligation.
Speaker 1: In comparison, call Compass Insurance paying too much your coverage
Speaker 1: at dozens of insurance companies find out now three all
Speaker 1: three seven seven to one help. You'll think you're his
Speaker 1: only customer when you choose Frank durand the real estate
Speaker 1: Man dot com to list your home with Remax Alliance
Speaker 1: three all three nine two zero sixteen twenty two. Hi
Speaker 1: Tom Martino here three oh three seven one three talk
Speaker 1: three oh three seven one three eight two five five. Okay, so, Brian,
Speaker 1: this Compass insurance group. By the way, they're doing free
Speaker 1: insurance checkups right now. Three oh three nine ninety six
Speaker 1: nine thousand, Brian. If you have a trailer and you
Speaker 1: owe money on it and it's insured, can I loan
Speaker 1: it to somebody for lack of a better word, or
Speaker 1: sell it to someone on installments and have them named
Speaker 1: as an insured Does that do anything? She's still has
Speaker 1: the title in her name. She's still, as far as
Speaker 1: they're concerned, as the owner she can she ensure someone else.
Speaker 5: Well, so a trailer is a little different just because
Speaker 5: the liability we're talking about in this case, you're talking
Speaker 5: about physical damage. Physical damage. You have it on your
Speaker 5: policy and you would have the same rights to be
Speaker 5: able to loan it to people. The problem is, whenever
Speaker 5: you get to where you are letting someone regularly use it,
Speaker 5: they need to be listed. So in this case, I
Speaker 5: would have them listed on the auto policy. If she's
Speaker 5: selling it, it's almost like she's now a leanholder. At
Speaker 5: that point, the new owner should be the one ensuring it,
Speaker 5: and then she should be listed as additional insured. That's
Speaker 5: how it should have gone. So what happens now, Well,
Speaker 5: so now her insurance is doing an investigation? Is that
Speaker 5: what she said?
Speaker 1: Well, let's talk to her. So what is actually going
Speaker 1: on right now? Shayee?
Speaker 11: So the the insurance company is doing an investigation. They
Speaker 11: they said that, you know it is it is a
Speaker 11: little sketchy that this person had the trailer, was laid
Speaker 11: on payments and then all of a sudden it was stolen.
Speaker 11: They say, what do.
Speaker 1: You think is happening, Shayley, What do you think is happening?
Speaker 11: You know, that's a great question. I wish I knew
Speaker 11: he is the guy sketchy or what is he is?
Speaker 11: He he's sketchy, but.
Speaker 1: He is.
Speaker 11: He's claiming left and right that this has been stolen
Speaker 11: and that he absolutely does not have it. So the
Speaker 11: the insurance company is also saying, you know, he was
Speaker 11: driving it and he just left it in a random
Speaker 11: neighborhood for two days.
Speaker 12: That that about that.
Speaker 1: Man, your nuts to do this on time? You were
Speaker 1: nuts to do it?
Speaker 15: Yeah, yep.
Speaker 5: And Chailey, did he have insurance or did you say
Speaker 5: you just it was just your insurance.
Speaker 11: According to our contract, he should have had insurance on it.
Speaker 11: However he did not.
Speaker 5: Okay, yeah, I can imagine your insurance is going to
Speaker 5: have a problem with this. It's it is a very abnormal, unusual.
Speaker 1: But let's say she's loaning it to the guy.
Speaker 5: Well, yeah, but loaning it. It's defined in the policy.
Speaker 5: It's got to be less than thirty days, is you know?
Speaker 5: I imagine that's what her policy language says. How long
Speaker 5: is he sat it?
Speaker 1: Oh? Okay, okay, so they could exclude they can exclude
Speaker 1: it based on the fact she's selling it right, well,
Speaker 1: or it's no longer in her possession.
Speaker 5: It's it's not in her possession. It's still titled to her,
Speaker 5: is what she said, right?
Speaker 1: Yes, that's right. Yeah.
Speaker 5: There are so many problems with this arrangement, Chailee, because
Speaker 5: it being titled to you, you're becoming liable if he
Speaker 5: does something reckless with it too, because you're on title
Speaker 5: for the vehicle or onto the title for the trailer.
Speaker 5: So uh, I completely understand why your insurance company is
Speaker 5: having a hard time with us.
Speaker 6: Yep, absolutely.
Speaker 13: Well.
Speaker 4: The bottom line is they should be covering it. Am
Speaker 4: I crazy? Based just on what you said the Shaley.
Speaker 1: You got to get the police in on this. This
Speaker 1: is bad news. I would sue this guy, by the way,
Speaker 1: I would sue him in small claims court and get
Speaker 1: at least something out of it. We got more coming
Speaker 1: up on the Troubleshooter Show. Or get an attorney and
Speaker 1: go after him, get a judgment. Go with a sure
Speaker 1: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 1: pay a cent until you're content. Time for an insurance
Speaker 1: checkup free, no obligation. In comparison, call Compass insurance paying
Speaker 1: too much your coverage at dozens of insurance companies find
Speaker 1: out now three oh three seven seven one help. You'll
Speaker 1: think you're his only customer when you choose Frank durand
Speaker 1: the real estate man dot com to list your home
Speaker 1: with Remax Alliance three oh three nine two zero sixteen
Speaker 1: twenty two.
Speaker 2: Yeah, ripped.
Speaker 1: New need advice, So you don't have.
Speaker 16: Come running.
Speaker 13: As as we can, Shooter's gonna help.
Speaker 3: Come man, this is the Troubleshooter Show. Now, Tom Martino, Hi.
Speaker 1: Tom Martino here, Welcome to the show. Three oh three
Speaker 1: seven one three talk three oh three seven one three
Speaker 1: eight two five five. If you're looking at our stream here,
Speaker 1: I'm trying to get the studio guys to come back.
Speaker 1: Uh oh, I just mixed myself. Crap. I just I'm
Speaker 1: look at this is still all new to me, people,
Speaker 1: but I'm still having to do Oh there I am again. Okay,
Speaker 1: So anyway, this is all new, and I'm trying to
Speaker 1: get the studio to come in, and I'm having a
Speaker 1: little trouble. He's on a zoom call and I'm trying
Speaker 1: to bring up that video for those of you who
Speaker 1: are geeks and want to know what I'm doing behind
Speaker 1: the scenes. By the way, we were talking about a
Speaker 1: lot of interesting things. But one thing as far as
Speaker 1: insurance goes, the question is why why are we in
Speaker 1: an insurance crisis?
Speaker 4: Well, doesn't it all come down to, basically, insurance companies
Speaker 4: are paying out a ton of money?
Speaker 1: I read somewhere, I think, but it's all over the country, Mark,
Speaker 1: It's all over the country, and it's with cars, and
Speaker 1: it's with houses.
Speaker 4: Doesn't it all equal into the same bucket. If I'm
Speaker 4: collecting a million dollars in paying out a million, five
Speaker 4: hundred thousand every year, and then some states won't allow
Speaker 4: me to raise rates, I'm going.
Speaker 1: To leave that state.
Speaker 10: I mean.
Speaker 4: The bottom line is it's because they're paying out too
Speaker 4: much money, right, Bryan.
Speaker 5: Yep, that's it. It's a matter of how much money
Speaker 5: you're taking in and how much you're paying out. But Tom,
Speaker 5: you're right. It is across the country. But there are
Speaker 5: pockets in this country that are much worse than Colorado
Speaker 5: definitely fits in one of those, California, California, Colorado, Texas,
Speaker 5: and then Florida is its own problems.
Speaker 4: Some of the crime ridden areas like San Francisco, there's
Speaker 4: places if you live there, they're not even going to
Speaker 4: ensure your car.
Speaker 5: Yeah, yeah, And I mean the problems in California obviously
Speaker 5: stem more from the fires, but in Colorado is just
Speaker 5: it's got the issues with fires. But hale Hale is
Speaker 5: absolutely wreaking havoc in Colorado. So people, you look around
Speaker 5: and you get a room of twenty people, I'll bet
Speaker 5: you know over half of them had new roofts in
Speaker 5: the last five years.
Speaker 1: It's great.
Speaker 5: So it's just how you know, it's just not sustainable.
Speaker 1: Who in this room hasn't had a new roof in
Speaker 1: the last ten years? And I know it's crazy.
Speaker 5: Oh you've had two, says yeah, two, How many have
Speaker 5: you had?
Speaker 1: Tom? Uh, No, I haven't had I haven't had any.
Speaker 1: And well, first of all, yeah, and many many men
Speaker 1: I know forever though, but yeah, well for a while,
Speaker 1: that's for sure. For a while. That's during two huge
Speaker 1: hail years. Yes, yes, that's true. And then before that
Speaker 1: though I didn't have any. It's been it's been a while,
Speaker 1: that's for sure.
Speaker 5: If you have an asphalt shingle roof in Colorado, you're
Speaker 5: you're almost certain to have had to replace your roof
Speaker 5: in the last ten years. In the in the metro area,
Speaker 5: not in the mountains, that kind of thing. But in
Speaker 5: the metro area, you're almost it's almost a guarantee you've
Speaker 5: had a roof or you should have or you should
Speaker 5: have or there's damage up there right now.
Speaker 1: Yeah.
Speaker 4: Yeah, So when you have shot people like if they
Speaker 4: have State Farm or All State or any of these
Speaker 4: people right now, all they have to do is print
Speaker 4: out the deck sheet the declarations if they go online,
Speaker 4: print out there.
Speaker 1: They don't need the whole policy, no, just the declaration.
Speaker 1: They send that over to you.
Speaker 4: You shap it with twenty thirty companies, depend on what
Speaker 4: you're looking for, and then you come back to them.
Speaker 5: Yeah, along with an operator list. I mean there's very
Speaker 5: very minimal information declaration pages, operator list if you're doing
Speaker 5: obviously auto quotes. And then a big question we have
Speaker 5: to know is when your roof is replaced, because companies
Speaker 5: now if your roof is you know, if you have
Speaker 5: an asphalt shingle roofs it's over fifteen years old, it's
Speaker 5: hard to find insurance.
Speaker 1: Can they exclude it or they can't.
Speaker 5: There's some carriers that can exclude it, but I would
Speaker 5: never tell someone if they have a policy that covers it.
Speaker 5: I'm going to say stay where you're at, because even
Speaker 5: though you might be overpaying, I wouldn't want you to
Speaker 5: switch and then be on the hook for the entire roof.
Speaker 4: Well, it's basically like not having insurance at that point.
Speaker 4: If you had a big hailstorm and water gets and
Speaker 4: none of it would be covered.
Speaker 5: Well, no, that's not true. The hail would not be covered,
Speaker 5: but the water damage that occurred because of that, the
Speaker 5: water would be Oh that's interesting. Yeah, they can't exclude that.
Speaker 1: Okay, cool. Yeah, Well, in any case, the problem is
Speaker 1: at a point where there are some condos and town
Speaker 1: homes not being covered at all, and that that is
Speaker 1: going to wreak havoc. Now here's the big problem we
Speaker 1: talked about yesterday. Stupid homeowners. And I don't mean stupid
Speaker 1: because they're stupid, I mean stupid. With the HA situation,
Speaker 1: they do not want to pay more dues, so they
Speaker 1: vote them down or they refuse to raise them as
Speaker 1: an HIA board, but no matter, and they have enough
Speaker 1: to pay their monthly bills. But what happens when a
Speaker 1: storm comes and they have a giant deductible, or they
Speaker 1: have under insurance or they have no insurance, They're going
Speaker 1: to reach they're going to have giant assessments, and lost
Speaker 1: assessment coverage isn't going to cover all of them, is.
Speaker 5: It, Brian, Well, so right now, I see this is
Speaker 5: another major issue that is going to be hitting personal
Speaker 5: lines insurance at least, because what has happened, to your point,
Speaker 5: over the last couple of years is that the policies,
Speaker 5: the commercial insurance policies that are covering these condo associations
Speaker 5: that are covering the exterior of the buildings have now
Speaker 5: had to take on deductibles that are so big that
Speaker 5: if they have a claim, they're going to have to
Speaker 5: assess each unit owner thousands and thousands of dollars. And
Speaker 5: on a condo policy, a personal ine condo policy, you
Speaker 5: can add loss assessment coverage and it will pay for
Speaker 5: those assessments. Depending on your policy, some of them have
Speaker 5: exclusions for HOA deductibles, so it's important to look at that.
Speaker 5: But the cost of that loss assessment is so minimal,
Speaker 5: I mean it has been let's say, for fifty thousand
Speaker 5: dollars a coverage, you're looking at maybe thirty bucks a year.
Speaker 5: That won't sustain because they're paying out way too much
Speaker 5: on these claims. So you're going to see that either
Speaker 5: go away or they're going to start charge a premium
Speaker 5: for it.
Speaker 4: You know, you mentioned something like you buy something like
Speaker 4: loss assessment coverage and you don't realize because no one
Speaker 4: reads the fine lines.
Speaker 1: And this is what you guys are really good at.
Speaker 4: I had an umbrella and I found out the umbrella
Speaker 4: I had before I met you, Brian, did not cover
Speaker 4: or come into play for UI uninsured motorists or underinsured,
Speaker 4: and you found me an umbrella company where it actually
Speaker 4: covers over I mean, it's really crazy. Most people would
Speaker 4: automatically think the umbrella is going to extend there, but
Speaker 4: it doesn't.
Speaker 5: Almost all of them don't. I mean I would say
Speaker 5: left that one. There's I have. Out of all the
Speaker 5: carriages we write for, I have four companies that offer
Speaker 5: extended uninsured motorists on an umbrella. But like your major
Speaker 5: companies out there, your state farms all staged, Oh, they
Speaker 5: don't offer it. You can't get it.
Speaker 4: So anybody, and I mean this, anybody out there that
Speaker 4: is not shopped insurance for a while, or you're up
Speaker 4: against crazy renewals, or you have a team that's another
Speaker 4: big change of life, call these guys for the free
Speaker 4: check three oh three nine nine six nine thousand.
Speaker 1: Thank you. That's a good one. And as far as
Speaker 1: getting an insurance checkup, no one, I mean no one
Speaker 1: should not do it. That's weird, but everyone should do it.
Speaker 1: Let me just put it away. Let's talk to Matt
Speaker 1: Is about about his garage floors. Matt, what's happening? He dropped? Man,
Speaker 1: Oh we did. Let's go to Greg. Now here's what
Speaker 1: happened yesterday? No, it was, yeah, it was for yesterday. Greg.
Speaker 1: I think it had to do with his twenty thirteen
Speaker 1: GMC terrain was and took it to the shop because
Speaker 1: he wouldn't start a three point six sixth leader. I
Speaker 1: told him to go to hands On Auto Tech. He says,
Speaker 1: I can't find I need to find somebody, And I said,
Speaker 1: you go there. These are good people. Greg.
Speaker 17: What happened, yes, sir, so I called hands On Autotech
Speaker 17: and he told me a rebuild engine would be about
Speaker 17: the same price thirteen thousand.
Speaker 1: I think you need it. If you needed one, I
Speaker 1: wanted to get a second opinion on whether you need
Speaker 1: it or not.
Speaker 17: Yeah, well I've got to toe it someplace to get
Speaker 17: a second opinion.
Speaker 1: Well, well, can't Tom wait wait, couldn't hands On tell
Speaker 1: give you a second opinion on the engine? Yeah?
Speaker 17: He would, he said that sounded right based on the
Speaker 17: compression numbers that I.
Speaker 12: Gave ee a new engine, okay.
Speaker 17: And then Sheridan came in for a rebuilt engine three
Speaker 17: year warranty ten thousand and nine hundred. And the final
Speaker 17: place that I called Colorado Engine came in ten thousand
Speaker 17: dollars for a four year warrantied engine rebuilt. So the
Speaker 17: best deal has been Colorado Engine. But the question and
Speaker 17: I have for you is based on the fact that
Speaker 17: it's a twenty thirteen Would you just say scrap it
Speaker 17: and go out and buy another used car?
Speaker 1: What did you pay for this? And how long.
Speaker 17: Ago you twenty and nineteen? I paid eleven thousand.
Speaker 1: It's paid off, yes, And what can you get for
Speaker 1: it now?
Speaker 10: Well?
Speaker 17: I can't get anything because it's I mean engine, it's
Speaker 17: kind of you know, if it's got a bad engine,
Speaker 17: I can't. I'm not going to get much off of it. Right. Good, Well,
Speaker 17: it's costing.
Speaker 1: But I mean it does it's still it still has
Speaker 1: some value, So that's what I need to know. It
Speaker 1: has some value. Yes, So what can you get for it?
Speaker 1: It has value? We need to talk about that. Really.
Speaker 17: So without an engine that costs ten thousand, well.
Speaker 1: I don't know. I mean, well, I'm asking maybe we
Speaker 1: have one of our people. I'm just you know, with
Speaker 1: a with a caput engine. How's the body?
Speaker 12: How?
Speaker 1: What tell me about your car? Is it a good bod?
Speaker 9: Yeah?
Speaker 17: Body and everything else is in good shape that I
Speaker 17: know of. Okay, everything else is in good shape. It's
Speaker 17: got relatively new tires. I haven't driven it much in
Speaker 17: the last five years. When I bought it, it had
Speaker 17: one hundred and six thousand. I've got one hundred and
Speaker 17: twenty five on it now I bought it five years ago.
Speaker 1: Well, it's so basically you get nothing. So you're saying
Speaker 1: you're gonna scrap it for nothing.
Speaker 17: Well, I may get a little bit, but based on
Speaker 17: the fact that a used engines at least eight or
Speaker 17: nine thousand.
Speaker 1: No, I get it. I get exactly what I get.
Speaker 1: Exactly what you're saying, man. So what I'm trying to
Speaker 1: figure out, and I always go to cars dot com
Speaker 1: because it's a really, really really good source and it's
Speaker 1: a two thousand thirteen.
Speaker 17: Right, yeah, twenty thirteen gmc terrain denollage.
Speaker 1: Yeah, it's the denalogy. Okay, And okay, well listen, man,
Speaker 1: they have some pretty good value. They have some pretty
Speaker 1: good value. I mean, not the extraordinary value. But let's
Speaker 1: say seventeen eighteen and so that's with uh, that's with
Speaker 1: some mileage. So let's just put it this way. If
Speaker 1: you're into it for eleven put ten, you'll be into
Speaker 1: it for twenty one with a new engine, right or rebuilt,
Speaker 1: which is like a new age. Okay, so you're going
Speaker 1: to be about over market for a decent one. And
Speaker 1: when I say decent one with fifty thousand miles, you'll
Speaker 1: be over market by about six grand. So but but
Speaker 1: you'll be over that market. But you but now you
Speaker 1: don't have any miles on it. So I don't think
Speaker 1: you're going to be buried. You you will be buried
Speaker 1: if you compare it to what's out there, but you're
Speaker 1: not buried if you compare it to the value you've gotten.
Speaker 1: The real question you need to ask will you keep
Speaker 1: this vehicle? If not, then you may not want to
Speaker 1: do it.
Speaker 9: Yeah, I was very happy.
Speaker 17: I was going to drive until it died.
Speaker 1: Then you ought to do it. In my opinion, you
Speaker 1: ought to do it because that five or six over market.
Speaker 1: When I say over market, that's over market for a
Speaker 1: truck with sixty or seventy thousand miles. Okay, that's that's
Speaker 1: six or seven over that. So if you're not six
Speaker 1: or seven over that because you have no miles, then
Speaker 1: you're not doing badman, You're really not. Now, I'm hoping
Speaker 1: your transmission is going to last a while, and perhaps
Speaker 1: you ought to have that checked out before you invest
Speaker 1: and shared and can give you that information very well.
Speaker 1: I would have. I would if you you're assured the
Speaker 1: transmission isn't bad and it can probably last, I would
Speaker 1: go ahead and do it. If you're gonna have to
Speaker 1: do a tranny, you're gonna be buried. And I would
Speaker 1: take that money and put it into a new vehicle actually,
Speaker 1: and get a warranty on it. Three ozho three seven
Speaker 1: one three talk. I got to take this ray three
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Speaker 1: regen dot com for stem cell therapy, get out of
Speaker 1: Pain plus compounded weight loss drugs for pennies on the
Speaker 1: dollar semaglutide tzepetide a few hundred bucks a month compared
Speaker 1: to the fourteen hundred dollars or so for the prescriptions.
Speaker 1: That's Denverregen dot com. Go with a sure thing Denver's
Speaker 1: best roofer Excel Roofing dot com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance check up free,
Speaker 1: no obligation. In comparison, call Compass Insurance paying too much
Speaker 1: your coverage at dozens of insurance companies find out now
Speaker 1: three all three seven seven to one help. You'll think
Speaker 1: you're his only customer when you choose Frank durand the
Speaker 1: real estate Man dot com to list your home with
Speaker 1: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: All right, three oh three seven one three eight two
Speaker 4: five five. You've been ripped off taking advantage of I
Speaker 4: want to hear from you. I mean, that's it. There's
Speaker 4: a lot of people out there that need help. I
Speaker 4: don't care if it's a bad landlord, I don't care
Speaker 4: if it's an automotive guy that ripped you off. How
Speaker 4: about I guess my favorite My favorite calls are probably
Speaker 4: those dirt bag contractors that just take money and do nothing.
Speaker 4: How many what percentage of people do you think that is?
Speaker 4: Kelly or Brian, you've listened to the show. How many
Speaker 4: times do we hear someone that literally just shows up,
Speaker 4: takes money and never does a damn thing. And to me,
Speaker 4: that's not a bad contractor or even a scumback.
Speaker 1: Honestly, it's a thief. It's a thief.
Speaker 5: And I just hear rip repetitive comment from you guys
Speaker 5: is like, don't put money down on this stuff because
Speaker 5: you can't trust that they're going to do the job.
Speaker 4: No, And I love holding them out there. So if
Speaker 4: someone has ripped you off. One of the things we
Speaker 4: do on this show, it's a public forum. We make
Speaker 4: sure everybody knows who the sundbags are.
Speaker 1: Absolutely absolutely, And it's just amazing though, Mark, Almost every
Speaker 1: problem starts with money down. Almost every problem.
Speaker 4: We have a lot of people contractors on our referral
Speaker 4: list that take money up front. Well, you know why
Speaker 4: that's different because we trust them.
Speaker 1: I mean, yeah, but that's still okay. But still it's
Speaker 1: not impossible. I think, No, No, you're right. But even then,
Speaker 1: if it's on a referral listener, no matter who it is,
Speaker 1: if you must, there are ways to do it. You
Speaker 1: verify orders in your address to your address they've been
Speaker 1: paid for it, or you pay us work begins. I
Speaker 1: don't like paying for nothing. In fact, I don't most
Speaker 1: of the people on a referra list that take money
Speaker 1: up front mark it's usually not for nothing. It's usually
Speaker 1: for design, or for parts, or for I don't know,
Speaker 1: different things.
Speaker 4: I still go back to, I still don't think they
Speaker 4: should take money upfront. I don't care who they are.
Speaker 4: I just don't think me too. But my point, I mean,
Speaker 4: that's what I love. We have background checked them, and
Speaker 4: most of them quite honestly, we've known the companies ten
Speaker 4: fifteen years. I mean, that's the bottom line. But I
Speaker 4: wish none of them took money upfront. I don't see
Speaker 4: any reason for it. When you're working in someone's ouse,
Speaker 4: I don't see any damn reason for it, because you
Speaker 4: can always lean the.
Speaker 1: Property you've gotten.
Speaker 4: By the way, of course, you've got more recourses a
Speaker 4: contractor or someone delivering something like a roof for delivering
Speaker 4: something like shingles to a house, then the consumer ever
Speaker 4: has the consumer if you just take us money and run,
Speaker 4: they most of the time I have.
Speaker 1: Zero recourse, and then you have excel like Excel roofing.
Speaker 1: They never take a dime. Not a dime. Oh, I
Speaker 1: know what I wanted.
Speaker 4: We're talking money up front, Brian, listen to this.
Speaker 1: This is crazy.
Speaker 4: So I've got some hillbillies on my wife's side of
Speaker 4: the family.
Speaker 1: I'm talking.
Speaker 4: I'm not going to get like too far into it,
Speaker 4: but I have never heard of certain things they bring up.
Speaker 4: I just never heard of it. So here's the newest one.
Speaker 4: Tell me if Tom, tell me, if you anybody has
Speaker 4: heard of this. You can buy car insurance daily daily.
Speaker 1: What what's to day for it?
Speaker 4: You pay every single day to keep your car insurance daily.
Speaker 4: So if you got a courtinate for no insurance. I
Speaker 4: realize you got a show when you.
Speaker 1: Got the ticket, but think about it.
Speaker 4: You can walk in with valid insurance that you can
Speaker 4: buy for one day.
Speaker 1: Have you ever heard of it?
Speaker 5: You're saying they actually pay by the day, hey, daily
Speaker 5: for no assurance. I can't imagine how many.
Speaker 1: So if they don't drive, they don't pay for it? No, well, yeah,
Speaker 1: yeah exactly. I mean they still drive when they don't
Speaker 1: pay for it. Are you is this in certain states? Mark?
Speaker 5: And this is not in Colorado?
Speaker 4: I didn't believe a damn word of it here. It
Speaker 4: is in surrop in Surify, I N s U R.
Speaker 13: Mark.
Speaker 1: Hey, Hey Brian, who was talking to Hey? Mark? I
Speaker 1: was talking about that? How long ago? Brian? Did I
Speaker 1: talk about that or not? Insurance on demand? Well, it's insurance.
Speaker 1: It's paid daily, But Mark, it's also not paid if
Speaker 1: you don't use it.
Speaker 4: Tell you are a piece of crap. If you've got
Speaker 4: to pay daily for insurance, I'm sorry. I'm not gonna
Speaker 4: bs around anything anymore. Mark, you shouldn't even be driving.
Speaker 1: But Mark, I don't think you're getting the import of
Speaker 1: what that means. It's you pay daily for daily use.
Speaker 1: If you're not using the car, you don't pay it. No,
Speaker 1: I don't know how it works anything like it.
Speaker 5: Yeah, and I'm insurance.
Speaker 1: I've always said insureurans on demand. There's no reason to
Speaker 1: have liability insurance sitting in my garage, okay, or if
Speaker 1: I'm going to go away for a.
Speaker 4: Week, like a thirty day policy or a six month,
Speaker 4: but you pay daily, That's.
Speaker 1: What I think.
Speaker 5: Well, and I think Tom to your point about you know,
Speaker 5: only being charged for what you're driving. The problem is
Speaker 5: a lot of people really don't like having to do
Speaker 5: any kind of tracking where an insurance company has access
Speaker 5: to know when you're using your vehicle. I get huge
Speaker 5: pushback because all the companies have it. And then you know,
Speaker 5: they promote that they could give you up to forty
Speaker 5: percent off your premium depending on how the program goes.
Speaker 5: But people don't like it. They don't like having to
Speaker 5: be tracked.
Speaker 12: You know.
Speaker 5: When some companies do it forever. It's not a ninety
Speaker 5: day trial. Every single day that you get in your car,
Speaker 5: you're tracking your drive.
Speaker 4: Here's Hugo Insurance with Hugo dot Com. The Future of
Speaker 4: car insurance. Mike Row payments on demand coverage, no down payments, That's.
Speaker 1: What I'm telling I've said that for years. I've been
Speaker 1: saying that I even went so far Mark to reive
Speaker 1: at your insurance. What's that?
Speaker 4: Could you imagine? Like you get up, it's a Sunday,
Speaker 4: you're heading out to church or bar wherever you're going,
Speaker 4: and and bam bam, you forget to turn your insurance
Speaker 4: back on and some bum hits you and you have
Speaker 4: no coverage. I'm sorry, Tom, I'm glad you thought of
Speaker 4: it years ago, but I can't imagine people.
Speaker 1: Can I tell you? Can I tell you off? Let
Speaker 1: me tell you when it really works. Okay, when it
Speaker 1: really works. People who who use their car okay less
Speaker 1: than others and other people that use it more. There
Speaker 1: are there's technologylage stolen. There's technology available now with a
Speaker 1: cell phone where you can track your usage and you
Speaker 1: can tell it's not you or it is you. And
Speaker 1: the reason I thought of this was for aviation. There
Speaker 1: are guys with small planes that fly one or two.
Speaker 4: Hours a year, some fly ten hours a year. Someone
Speaker 4: runs into the hangar and just kills the marine.
Speaker 1: Mark. Of course there are risks that you're allow that
Speaker 1: you might take. But if you're sitting inside a hangar
Speaker 1: most of the year and you might fly an hour
Speaker 1: a month, why are you ensuring for a million dollars
Speaker 1: of liability for every single day? Brian? Certainly you can
Speaker 1: see the folly in that.
Speaker 5: Absolutely, No, I totally understand if you're not.
Speaker 1: And by the way, Mark, I wasn't talking about Haull.
Speaker 1: I'm only talking about liability because that's the most important, the.
Speaker 4: Most Can you buy coverage that just covers the car, Brian,
Speaker 4: and not liability.
Speaker 5: Well, you can suspend coverage where the car is and
Speaker 5: it's just sitting in the garage, and.
Speaker 1: I'm not talking about that. I'm only talking about liability.
Speaker 5: Liability is the.
Speaker 1: Only thing that really matter in it for other people,
Speaker 1: and you and pretend yeah. But what I'm getting at
Speaker 1: is if liability was easier to get, if people like
Speaker 1: then there was a proposal that when you buy gas,
Speaker 1: it pays for a certain fount of I'm just saying
Speaker 1: like this. Let me give you an example.
Speaker 4: Let's say I suspend coverage on my app or whatever,
Speaker 4: and then I am driving with I might know what
Speaker 4: you're saying. I'm in an uber and I get hit.
Speaker 4: My UIM is gone, so I'm screwed. I'm stuck with
Speaker 4: the twenty five thousand dollars or no insurance that someone
Speaker 4: hit me with and I have no coverage for you.
Speaker 1: I am well, of course I don't have that risk power.
Speaker 1: It's just all I'm saying. Of course, I mean, I
Speaker 1: would say that you have to buy the damn thing.
Speaker 1: I mean, you can't just say it, you have to
Speaker 1: actually do it. I mean, I get that. I mean,
Speaker 1: but what I'm saying is is that there must be
Speaker 1: a way. There must be a way well that you
Speaker 1: using technology, people pay for the risk they present they do, Okay, Tesla,
Speaker 1: what they're doing, Tesla does that exactly right. Now, Tesla
Speaker 1: knows everything I do.
Speaker 4: It knows where I go, what time I leave, how
Speaker 4: far I drive, how fast I drive.
Speaker 1: Do I use autopilot but off? It knows everything but
Speaker 1: I do?
Speaker 4: And if I go through Tesla Insurance, which is its
Speaker 4: own deal, if they do nothing else but Tesla, I
Speaker 4: believe it's owned by Tesla.
Speaker 1: The bottom line is they look at me and say
Speaker 1: we'll pass. Now, here's what I'm getting at. If the best,
Speaker 1: if the exposure of risk does not match the exposure
Speaker 1: you're taking on, it's ridiculous, for example, to be if
Speaker 1: you were a ballplayer and you wanted liability for when
Speaker 1: you were playing baseball and when you if you hit
Speaker 1: someone with the beast or the ball. This is a
Speaker 1: ridiculous example. But what it does is it draws the
Speaker 1: point I'm trying to make. And then all the times
Speaker 1: you're not playing baseball, if they still raided you. That's
Speaker 1: really what it's like. When you have an airplane or
Speaker 1: a boat, or you have a motorcycle, or you have
Speaker 1: a second car or a sports car sitting in a garage. Now,
Speaker 1: Mark I'm not talking about property. Damn, I'm not talking
Speaker 1: about the car itself. I'm talking about liability mainly. Well
Speaker 1: I told you, but once again, UIM.
Speaker 5: Is a big part of that, well, in the whole
Speaker 5: purpose of insurances. But you're still.
Speaker 1: Only exposed when you're on the damn road. That's the
Speaker 1: point I'm making. If you're not driving and you're not
Speaker 1: exposing the insurance company to your risk.
Speaker 4: I guess if you're an old folks home or something
Speaker 4: and never go anywhere, But.
Speaker 1: My UIM covers over to me when my friend's driving Mark.
Speaker 1: But you're still you were making the You're not making
Speaker 1: an opposite point. You're just saying the coverage. I'm not
Speaker 1: talking about the coverage. I'm talking about when to have
Speaker 1: the coverage. You don't have to have it at home
Speaker 1: when you're watching TV.
Speaker 4: Well okay, but once again, I can't imagine having to
Speaker 4: go to my phone and turning on my insurance.
Speaker 1: Well maybe there will be better ways, I don't care.
Speaker 1: But there are plenty of things you have to activate
Speaker 1: and unactivate. You know what it's you know.
Speaker 4: You know, And dear Scott, it would end up like
Speaker 4: these Damn Netflix and Hulu. I have like seventeen of
Speaker 4: them I haven't ever watched. I'd probably have more insurance
Speaker 4: than I ever knew, and it would end up costing
Speaker 4: me more. Remember when I cut the cord because I
Speaker 4: thought I was gonna save eighty bucks a month.
Speaker 1: I think I pay more now. Well, in any case,
Speaker 1: exposure is what we pay for, and that's what we
Speaker 1: should pay for. We should never have to pay for
Speaker 1: the times we don't give. We we don't expose people
Speaker 1: to risk.
Speaker 5: But Tom, what but what about what I just said?
Speaker 5: All these telematics that people are very reluctant for, That's
Speaker 5: basically what you're saying here. You're saying that they should
Speaker 5: do telematics because that is what's charging. It's deriving the
Speaker 5: rate off of how often you drive. I think that's well, yeah,
Speaker 5: people don't a lot of your listeners do not like
Speaker 5: the telematiccause.
Speaker 1: Well, here's why, here's why. The real reason isn't because
Speaker 1: of how much they drive, or where they drive, or
Speaker 1: how they don't want they They probably don't want to
Speaker 1: be judged on hardbreaking and speeding and going.
Speaker 5: They don't want to be tracked. That's the common theme.
Speaker 1: It's what I'm not talking about tracking the habits. I'm
Speaker 1: talking about tracking the time you're exposed like.
Speaker 4: Progressives whatever it's called. When you agree to that, you
Speaker 4: agree to.
Speaker 5: That shot, yeah, and it really like Okay, let me give.
Speaker 1: You a great I want to give you a great example,
Speaker 1: honest to God, a surgeon and malpractice. Now, if that
Speaker 1: surgeon operates one day a week or one day a month,
Speaker 1: or why do they pay the malpractice for every day?
Speaker 5: Okay? Here, here's would be the flip side of that.
Speaker 5: Maybe not specifically with your malpractice, but here's the problem.
Speaker 5: If you are deriving a rate based off of someone
Speaker 5: saying I'm driving one day a week, what happens if
Speaker 5: they drive three days that week? Are you saying that
Speaker 5: the insurance company wouldn't have to pay that claim any
Speaker 5: That's exactly right, But that would never fly. That would
Speaker 5: never fly, grow Brian.
Speaker 1: Under today's system, it would never fly. But if you
Speaker 1: lie and you cheat, you shouldn't be covered. What I'm
Speaker 1: getting at is if you paid, and people would be
Speaker 1: willing to pay more, they would be willing to pay
Speaker 1: more because in the aggregate it's less if you pay
Speaker 1: for certain days that you're at risk and you are
Speaker 1: under exposure, the total will be less than if you
Speaker 1: pay for every day, even though the per day charge
Speaker 1: might be more, or the per hour charge might be more,
Speaker 1: you would have more people participating. I believe it.
Speaker 4: Would create so many people not having coverage at so
Speaker 4: many times.
Speaker 1: I think it would be just the opposite. I think
Speaker 1: people who couldn't afford I think people who can't afford
Speaker 1: covered now would actually consider because they're buying it for
Speaker 1: a trip, or they're buying it for a day, or
Speaker 1: they're buying it.
Speaker 5: You're assuming those people aren't driving much.
Speaker 1: Those people drive everywhere.
Speaker 5: Yeah, I I would disagree on I'm not you.
Speaker 1: Know, I'm not talking about the cheaters. I'm talking about people.
Speaker 1: But so what there are cheaters now, Brian. They lie
Speaker 1: to you about it and they're not covered if they lie.
Speaker 1: It's very easy. If you say you drive an hour
Speaker 1: away week and you don't, you're not covered. You're covered
Speaker 1: for what you go on the app and say i'm
Speaker 1: driving now, I'm not driving now, and if you lie,
Speaker 1: I mean certainly, certainly there is technology available to know
Speaker 1: when people are driving or not. And you know what
Speaker 1: drone insurance is doing that? Why pay for drone insurance
Speaker 1: every single day. If you're an aerial photographer and use
Speaker 1: that drone a couple times a month, guess what they're doing.
Speaker 1: They have an app. When that drone is in use,
Speaker 1: you're paying. When it's not in use, you're not. What
Speaker 1: is wrong with that? I mean, we have technology, for
Speaker 1: God's sakes to do that.
Speaker 4: Why are we paying? I want to ask you on
Speaker 4: that exact example you gave. So the guys gat and
Speaker 4: I'm assuming we're talking nice drones.
Speaker 1: You're not going to win. Say okay, we got a break,
Speaker 1: bark hold the thought please because I'm the one they're
Speaker 1: getting mad at. We got more coming up. Go with
Speaker 1: a sure thing Denver's best rufer Excelro dot com. You
Speaker 1: don't pay a cent until you're content. Time for an
Speaker 1: insurance check up free, no obligation. In comparison, call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three O three seven to seven
Speaker 1: to one help. You'll think you're his only customer When
Speaker 1: you choose Frank durand the real estate Man dot com
Speaker 1: to list your home with Remax Alliance three oh three
Speaker 1: nine two zero sixteen twenty two Hey, Tom Martino here,
Speaker 1: I'm still trying to pull in the video from the studio.
Speaker 1: Mark's uggs are like breaking the thing, but it's we're trying.
Speaker 1: We're trying.
Speaker 4: Let's have a let's have an over under on when
Speaker 4: he figures this out.
Speaker 1: Hey, I'm doing pretty damn good. If you asked my
Speaker 1: YouTube morons, I'm doing pretty damn good or so far
Speaker 1: taking over in a pinch.
Speaker 4: Yesterday, I'm reading is we can't hear Mark or people
Speaker 4: or callers in the studio, but Tom's two left that.
Speaker 4: That's what I read more than anything.
Speaker 1: Wait a minute, a minute, How the hell did you
Speaker 1: just show up? You just showed up in my obs
Speaker 1: I swear to you. I just looked at it and
Speaker 1: I'm gonna be putting you up. Oh no, now it
Speaker 1: went away. How the hell did I just do? It
Speaker 1: was a miracle.
Speaker 4: Cody out there can appreciate my life. It was a miracle.
Speaker 1: I just had you picked. I don't even know how
Speaker 1: that you went into my program and then went out again.
Speaker 1: Damn you. I don't know how that happened. Somehow it
Speaker 1: worked and then it went away and you did anything. Well,
Speaker 1: I'm trying. I'm looking I'm doing a show at the
Speaker 1: same time I'm trying to get this done. Oh man,
Speaker 1: let's just let's just go back to the phones. Okay,
Speaker 1: three three seven Now, I got to get that on
Speaker 1: me go with a sure thing Denver's best roofer Excel
Speaker 1: Roofing dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free, no obligation in comparison,
Speaker 1: call Compass Insurance paying too much your bridge at dozens
Speaker 1: of insurance companies find out now three all three seven
Speaker 1: seven one help. You'll think you're his only customer when
Speaker 1: you choose Frank durand the real estate Man dot com
Speaker 1: to list your home with Remax Alliance three all three
Speaker 1: nine two zero sixteen twenty two. Hi, Tom Martino your
Speaker 1: trouble shooter three oh three seven one three talk three
Speaker 1: seven one three eight two five five. Okay, so let
Speaker 1: me uh let me try to get this comment on
Speaker 1: insurance from Anthony. Go ahead, Anthony, Anthony, Am I speaking
Speaker 1: to the win year drop Anthony. Okay, I'm going to
Speaker 1: go to Tom. Then he has a question about insurance
Speaker 1: for Compass. Tom, what's going on?
Speaker 13: Hey, how a y'all doing?
Speaker 1: Good man? What's your question?
Speaker 13: Hey, so well, it's not a question, it's just a remark.
Speaker 2: Uh.
Speaker 13: I have three cars. I ensure every one of them.
Speaker 13: Why do I have to ensure every one of them?
Speaker 13: I can only drive one at a time. Why can't
Speaker 13: I just have insurance on myself and I can drive
Speaker 13: anything I want to?
Speaker 1: You do?
Speaker 12: Why do I have to.
Speaker 13: Car insurance on three different cars? I can only drive
Speaker 13: one at a time.
Speaker 1: Now, that's called insurance on demand. And trust me when
Speaker 1: I tell you, regardless of what these guys in the studio.
Speaker 4: Tell you is coming, each one is individually covered because
Speaker 4: of the price and the value of the vehicle, and
Speaker 4: they mark Again.
Speaker 1: We're not talking about again, We're not hold on man,
Speaker 1: We're not talking about property. I'm talking about liability whenever
Speaker 1: I talk about insurance on demand.
Speaker 5: But don't you think liability rates change based on whether
Speaker 5: you're driving a big rig or if you're driving a
Speaker 5: small little car that's in a new very little damage.
Speaker 1: Here's what I'm saying, rate it for the most dangerous one.
Speaker 1: But if you pay on demand, that's all that matters.
Speaker 1: If you pay on demand, you're not paying for useless time.
Speaker 1: People would be willing to pay more per unit if
Speaker 1: they used less units, but.
Speaker 5: The rates are less if you are if you have
Speaker 5: multiple cars and one driver, the rate is less, So
Speaker 5: it is factored in.
Speaker 1: You know what I feel like, Thomas Edison and I
Speaker 1: discovered the light bulb, and I got all these guys
Speaker 1: saying witchcraft, witchcraft. It's never gonna happen. It's witchcraft. We
Speaker 1: got more coming up on the Troubleshooter Show. I'll let
Speaker 1: Brian and Marco out hunting during the break and I'll
Speaker 1: be here with modern technology. Go with a sure thing
Speaker 1: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 1: a cent until you're content. Time for an insurance check
Speaker 1: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 1: too much much your coverage at dozens of insurance companies
Speaker 1: find out now three all three seven seven one help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three all three nine two zero
Speaker 1: sixteen twenty two. Yeah, ripped of news need advice so
Speaker 1: you don't have.
Speaker 13: Come run in us astas as we can Shooter's gonna help.
Speaker 1: Come man, This.
Speaker 3: Is the Troubleshooter Show Now Tom Martino.
Speaker 1: Hi, Tom Martino, Welcome to the show. Three oh three
Speaker 1: seven one three talk seven one three eight two five five.
Speaker 1: Welcome to the show. What is going on in your life?
Speaker 1: One of the one of the discussions we're having, and welcome,
Speaker 1: by the way to the show. One of the discussions
Speaker 1: we're having is how to basically ensure people at a
Speaker 1: more economical basis, and what we're doing we're also having
Speaker 1: it is because we have the Insurance Health Center today,
Speaker 1: we have Compass Insurance Group, and we're talking about insurance
Speaker 1: coverage and how ridiculously expensive it's getting, and so many
Speaker 1: things are going toward demand coverage and insurance on demand
Speaker 1: has been a concept that has been bantered about is
Speaker 1: it practical, Can it be done? I think it probably
Speaker 1: could be done for almost anything, even collision coverage or
Speaker 1: how apprehensive if you're gonna well, I'm talking about we're
Speaker 1: talking about cars. Now. Obviously you can't do it for
Speaker 1: health because with health you're constantly being exposed to risk.
Speaker 1: With a car, you're not if a car is not
Speaker 1: moving and in a garage and you choose not to
Speaker 1: have comprehensive collision and liability. You should be able to
Speaker 1: turn it off and then turn it on when you're
Speaker 1: exposed to risk, and if you do it wrong, then
Speaker 1: you're screwed. Just so what just like being uninsured, you're
Speaker 1: screwed to They.
Speaker 5: Do the big expensive, multimillion dollar cars for the rich
Speaker 5: people that they own. They just say, hey, I'm going
Speaker 5: to go drive this car for an hour, and then
Speaker 5: they turn it on, and then they drive it around.
Speaker 1: Then they drive it, Ryan, Is that true? That's good.
Speaker 9: It's the thing.
Speaker 5: I have not heard of this.
Speaker 1: I have not heard of this. Hey, hey, I'm not
Speaker 1: I'm not denying it. Dragon. I like that idea, and
Speaker 1: I think that is what it's going to and then
Speaker 1: my house catches on fire.
Speaker 5: I do think you run. The problem behind that is
Speaker 5: is that you have to remember to do this every time.
Speaker 5: I think how they're doing it. The telematics accomplishes a
Speaker 5: lot of what you're asking for.
Speaker 1: If that's what they use it for, Brian, But that's
Speaker 1: not really what they use it for. Well, it's not
Speaker 1: telem use it for one for one reason, only to
Speaker 1: raise your prices.
Speaker 5: That's not true. It's it's deriving a rate that is
Speaker 5: appropriate for the persons. So but they used my life
Speaker 5: at the time of day driving. They also use why
Speaker 5: shouldn't you have to pay more if you speed all
Speaker 5: the time?
Speaker 1: But of course you should go. But I totally agree.
Speaker 1: I don't agree, and I'll tell you why. That's because
Speaker 1: he speeds.
Speaker 4: How about how about some normal no he does, some
Speaker 4: normal person that's seventy one years old. Okay, okay, no, seriously,
Speaker 4: and this person drives speed yeah whatever, they and they
Speaker 4: drive it to speed limit seriously, and they drive right.
Speaker 4: But somehow they end up in a couple fender benders
Speaker 4: and they they did nothing wrong, and it just doesn't
Speaker 4: even matter. They didn't do anything wrong, but they're just
Speaker 4: accident prone. It happens they rear ended someone in a
Speaker 4: drive through on accident.
Speaker 5: For those things, well, that's fine.
Speaker 1: But here's what I'm saying.
Speaker 4: You've got a guy that speeds but is never ever
Speaker 4: in an accident ever.
Speaker 5: I do. I have made this argument before. But what
Speaker 5: they'll come back to is when or if that person
Speaker 5: does get into an accident, it's going to be a
Speaker 5: serious accident. At that point. That's kind of an insurance
Speaker 5: company's feedback to me when I say, well, why why
Speaker 5: do you charge? Because I used to fight this battle,
Speaker 5: I'd say, why do you charge for speeding tickets? If
Speaker 5: they don't have any claims, they're not, They're not costing
Speaker 5: you any money. But their point is that if and
Speaker 5: when they do, it's going to be a lot of money.
Speaker 4: Brian, I'm going one step past that. I'm saying they're
Speaker 4: charging you higher when progressive, especially when you plug that
Speaker 4: in and they see that you speed, heartbreak, whatever you
Speaker 4: want to call it.
Speaker 12: Yep.
Speaker 1: But they had no.
Speaker 4: Accidents, no speeding, no I know, no movie violations.
Speaker 1: You did zero illegal, right, or at least you.
Speaker 4: Didn't get caught, right, But your rates can double, that's right.
Speaker 5: Yeah, you can be You can be surcharged, There's no
Speaker 5: doubt about it. But but again, if people are saying, hey,
Speaker 5: I want to be charged for what is appropriate, and
Speaker 5: your point is that is appropriate because I didn't have accidents,
Speaker 5: I didn't do anything wrong, but they would argue that.
Speaker 1: Okay, I want to bring this up to chime in
Speaker 1: on this one.
Speaker 4: So wildly enough, I can get into a forty five
Speaker 4: foot bus and drive it anywhere I want and I
Speaker 4: don't have a CDL. I've happened to be doing it
Speaker 4: for years now. They will charge me the same amount
Speaker 4: as they would Scott, who's never done it in his
Speaker 4: entire life. In fact, he might even have a better
Speaker 4: rate than me based on his age. I don't know,
Speaker 4: but no tickets know anything. I can drive around a
Speaker 4: death machine if you want to call it that, because
Speaker 4: it could literally blow through four, five, six seven cars
Speaker 4: and kill everybody. But but but but he who's never
Speaker 4: driven anything like that, it's going to be paying the
Speaker 4: same exact rate.
Speaker 1: Why is that?
Speaker 5: Yeah, you're not surcharged for lack of experience on something
Speaker 5: like that.
Speaker 4: You're right speed and do it safely and don't get caught.
Speaker 4: You get surcharged if.
Speaker 5: You're using that kind of app Yes, if you're using
Speaker 5: the telematics.
Speaker 1: So why is that? Because? I mean, insurance is not perfect.
Speaker 1: We know that. But I will say that there's got
Speaker 1: to be something now. For example, if it's nice weather out,
Speaker 1: you shouldn't have to pay for hailing run. I'm just kidding.
Speaker 4: That's right, listen, I really that's the slippery slope you're on.
Speaker 1: No mark, It really isn't. Because I could. The analogies
Speaker 1: are so not the same. If you have a house
Speaker 1: exposed constantly to the elements it's exposed. If you have
Speaker 1: a car not being driven and being garage, you should
Speaker 1: have the choice of covering it or not.
Speaker 5: But you do. You just not on a daily basis,
Speaker 5: like you're you're wanting. Let's say you you have a
Speaker 5: car that you are parking for the winter, you would
Speaker 5: just suspend coverage on it, and you could keep comprehensive
Speaker 5: even in that case, so that if there was a
Speaker 5: house fire or something that would still be covered. Someone
Speaker 5: broke in and stole it. But you're not paying for
Speaker 5: liability if you're not driving it. They just most companies.
Speaker 5: You're wanting to take a step further and say, I
Speaker 5: would like to do that on a daily, weekly type
Speaker 5: of basis.
Speaker 4: But what I don't like about what he's saying is
Speaker 4: a liability part, because I think people will forget and
Speaker 4: then they end up in big trouble themselves, like they
Speaker 4: have no coverage ship.
Speaker 1: You know, I mean forget it. I mean it's just
Speaker 1: like if you forget to pay your favor What if
Speaker 1: you forget to pay what if you forget to pay
Speaker 1: your premium mark. I mean, come on, but you know
Speaker 1: there's got to be responsibility.
Speaker 5: There is safeguards to that, because you get the notification
Speaker 5: that it's canceling, then you're getting a notice that it's canceled.
Speaker 5: In this case, it's solely on you to remember to
Speaker 5: turn your insurance on that day. In your scenario, I
Speaker 5: just think phone.
Speaker 1: Breaks or however you access your.
Speaker 5: App or lose it or and liability is the big one.
Speaker 5: You're you're talking about Tom that you're concerned about the
Speaker 5: liability cost on your auto policy. Unless you have a
Speaker 5: lot of tickets. Access isn't that much. The liability cost
Speaker 5: is not that much on your auto insurance.
Speaker 1: Well, he's mad that we're pooh poohing his idea. No,
Speaker 1: it's Thomas. I'm mad at all because it's going to
Speaker 1: happen no matter what you do, it's going to happen. Well,
Speaker 1: they do.
Speaker 4: They Well a daily insurance now I know that for
Speaker 4: a fact. I don't know how it works or what
Speaker 4: it covers. But you pay every day you log in
Speaker 4: and give him three bucks or whatever it is.
Speaker 1: I think. But that's for the days. I'm sure that's
Speaker 1: for the days you're driving. I don't think you log
Speaker 1: in every day and pay. I think that you pay
Speaker 1: for what you're driving for when you're driving. I would
Speaker 1: love to hear from someone that's using it.
Speaker 5: Well, you mentionedgo they're not in Colorado, so it's probably
Speaker 5: a state by state basis whether it's even available.
Speaker 4: Or the ones that I've looked up, or like Georgia
Speaker 4: and Mississippi. Yeah, like they're based out of the Appalachians.
Speaker 1: Bob wants to talk about something. He's on the phone.
Speaker 1: Go ahead, Bob, Bob's going to Okay, Well, these people
Speaker 1: they come on.
Speaker 4: To talk about Bob called back in. I'll tell you exactly.
Speaker 4: You know what he wants to talk about. He doesn't
Speaker 4: mind getting money up front. That's the same conversation we've had.
Speaker 1: I like Boss.
Speaker 4: He's a great guy who's a friend of the show.
Speaker 4: He goes out, he helps people, he's a great landscaper.
Speaker 4: But he believes in getting paid upfront. So I don't
Speaker 4: know what else say.
Speaker 1: I don't believe in general with money upfront. I do
Speaker 1: believe that if you have materials ordered for jobs, that's different,
Speaker 1: or if you did design work or you did something.
Speaker 1: Here's what a lot of contractors tell me. The reason
Speaker 1: they get money upfront is because they clear their schedule
Speaker 1: for that day. So let's say they have five days
Speaker 1: and three people scheduled, and to fill up those five days,
Speaker 1: and if all three people say never mind because they
Speaker 1: don't have skin in the game, they have a week
Speaker 1: of openness. Now, to some degree, I can see that.
Speaker 1: To some degree. My thing for that is get a
Speaker 1: contract signed, get a contract signed with a start date,
Speaker 1: and if they cancel, then have a cancelation clause. That's fine,
Speaker 1: But why money upfront? See, that's the point I'm trying
Speaker 1: to make is money upfront, no matter what puts the
Speaker 1: consumer at risk. Now businesss are going to say, well,
Speaker 1: not money up from puts the business at risk. That's
Speaker 1: exactly right, and that's where the risk should be. The
Speaker 1: risks should always be on the business. Well that you're
Speaker 1: in business, you take risks, you make money, that's what
Speaker 1: you do. The other thing comes down to common sense.
Speaker 4: I mean, we call it a referral list because they
Speaker 4: truly are referrals from us.
Speaker 1: These are people we've known, these are people we do trust.
Speaker 4: So that's different than handing money to someone over on
Speaker 4: Facebook ads. That's going to do a job for one
Speaker 4: third of the cost of that job anywhere else. I
Speaker 4: mean there's there's stupidity involved in these decisions as.
Speaker 1: Well, absolutely three oh three seven one three talks seven
Speaker 1: one three eight two five five. So uh, however you feel,
Speaker 1: let me know. I just believe you're safer always if
Speaker 1: you do not put money down. By the way, renew
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Speaker 1: pay a cent until you're content. Time for an insurance
Speaker 1: check up free, no obligation. In comparison, call Compass Insurance
Speaker 1: paying too much your coverage at dozens of insurance companies
Speaker 1: out now three all three seven seven to one help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three all three nine two zero
Speaker 1: sixteen twenty two. So I'm going to do a new one. Hi,
Speaker 1: Tom Martino, your troubleshooter three three seven one three talk.
Speaker 1: I bet by the end of the show, I have
Speaker 1: the studio video up and running. Antoinette, your turn. What's
Speaker 1: going on? Antoinette, Hunter Bucks, Antoinette, what's going on? Now?
Speaker 1: You didn't hear me say, yes, what's going on? Anternette?
Speaker 1: What's happening?
Speaker 15: I live here in Arizona, and I live on the
Speaker 15: Mexican border between America and US, and it's in Arizona, Yeah,
Speaker 15: the Stanfield side. Anyway, I went on a little vacation
Speaker 15: on Thursday before the Memorial Day weekend. Yeah, everything was
Speaker 15: fine on my vehicles, in my house, everything was fine.
Speaker 15: I got back on Tuesday and they stole eleven vehicles
Speaker 15: and uh ten, Now who is they?
Speaker 1: Who is they? They are?
Speaker 15: I'm in the courthouse right now, getting ready to go
Speaker 15: to court right now.
Speaker 1: Wait a minute, So so hold on, Antoinette, you're you're
Speaker 1: skipping way ahead. You said they stole. So they were
Speaker 1: arrested already, and you know who they are, or you
Speaker 1: think you do.
Speaker 15: Oh, they only they only arrested one. Tom just one.
Speaker 1: And and who did they arrest? Was it a Mexican national?
Speaker 15: I haven't seen him yet in face to face, so
Speaker 15: I'm not sure if he's a Mexican.
Speaker 11: Okay, okay.
Speaker 1: The reason I mentioned that is because you said you
Speaker 1: live on the border. That's the only reason I was
Speaker 1: wondering why she said that as well. Yeah, so okay,
Speaker 1: so you're going to court and what's going on.
Speaker 15: I guess it's his preliminary as like a ten thous
Speaker 15: dollars to get out of jail. And they caught him
Speaker 15: on my land and they took his truck away from
Speaker 15: him and they impounded it. But he's in court, going
Speaker 15: to be in court now this morning, and supposedly they're
Speaker 15: going to kick him out on the street.
Speaker 1: Well, so what's the point. Oh you mean you don't
Speaker 1: like him getting out, is what you're saying. My god,
Speaker 1: I mean he's changed her life, she said. Eleven vehicles.
Speaker 15: Yeah, and he destroyed my house three bedroom, two bathrooms.
Speaker 1: My god, what state do you live in?
Speaker 15: I live in Arizona. You know where Cossa Grande is.
Speaker 15: I No, I don't, but okay, well I live South Americopa.
Speaker 15: The casino on I eight I got you that.
Speaker 4: Actually, I to know where that is, believe it or not.
Speaker 4: I used to bring my grandmother there.
Speaker 15: Okay, well that's where I raised two little girls, graduated
Speaker 15: from Cossa Grande High School, and we did very well
Speaker 15: until my husband passed away. And because they busted Chopel Guzman,
Speaker 15: I was no longer protected out there and I had
Speaker 15: to move into the city because the cartel cannot make
Speaker 15: up their minds what the hell they wanted to do?
Speaker 5: You got it?
Speaker 4: I'll tell you how you change it. You vote the
Speaker 4: proper direction. That's how you change this stuff.
Speaker 12: One.
Speaker 8: That one Trump by far.
Speaker 1: That is Trump, Yes, ma'am, yeah, that's Trump.
Speaker 4: I mean, I don't know what to say when someone ramsacks,
Speaker 4: destroys her house, steals eleven vehicles and he's getting cut
Speaker 4: to the street. But we've seen people beat up cops
Speaker 4: on TV in New York, beat the crap out of them,
Speaker 4: kick them, almost kill them, and they cut them free
Speaker 4: for free. So I guess we shouldn't be surprised that
Speaker 4: this poor lady's life is upside down now because of
Speaker 4: a bunch of morons.
Speaker 15: That's correct. They destroyed about two hundred and fifty thousand
Speaker 15: dollars worth of land. I have one point eight nine
Speaker 15: acres out there, and they destroyed everything in order to
Speaker 15: get my vehicles from the salvage yard. I have to
Speaker 15: pay to remove them from his salvage yard, and he
Speaker 15: gave me one week.
Speaker 1: To remove them. It's crazy. I don't There's not much
Speaker 1: we can do for you except let you.
Speaker 4: Let everyone know how you're screwed by this. Yeah, there's
Speaker 4: not a damn thing you can do. Well, you can
Speaker 4: move to Denver, you know, if you want to join
Speaker 4: a Venezuelan gang.
Speaker 15: I think I'll stay with these cartails down here. At
Speaker 15: least I don't have to worry about all them tattoo
Speaker 15: boys coming in the house.
Speaker 12: And you know, I don't know.
Speaker 15: I just know that we had an elderly gentleman that
Speaker 15: went to court and he shot one of the five
Speaker 15: cartels and the drug people and they let the old
Speaker 15: man go. And I'm gonna go into court right now
Speaker 15: against this gentleman and see but they already told me.
Speaker 15: The DA told me that they're going to turn him lose.
Speaker 15: I'm not real happy. I think that I should own
Speaker 15: his truck that they impounded, and I think that he
Speaker 15: should listen.
Speaker 4: In all seriousness, you can talk to the DA and
Speaker 4: go after that kind of stuff. Now, I doubt you'll
Speaker 4: ever see anything. But you can ask to get repaid
Speaker 4: for all the damages. But that would mean the person
Speaker 4: would actually have to get a real job. So I
Speaker 4: doubt any of that's going to happen. But you can
Speaker 4: ask for stuff.
Speaker 15: Oh you know what they tell you in that situation.
Speaker 15: You can't get blood out of a turn up, Missus
Speaker 15: Palmer is what they say.
Speaker 1: Yeah, it is a true statement. It's kind of a
Speaker 1: sad statement, but it's true. It's sad and true.
Speaker 15: Okay, Well, omen look, I.
Speaker 1: Mean I don't know what to say speaking of which
Speaker 1: if uh man, if you think about this, this is
Speaker 1: just unbelieve. Yeah it is. Now speaking of that, I
Speaker 1: know Mark is dying to talk about this. He says,
Speaker 1: you got to vote another way. I'm just going to
Speaker 1: say something Tonight's Hey, if you want to at least
Speaker 1: make crime less of a problem, you do have to
Speaker 1: vote another way. I'm not disagreeing with you that when
Speaker 1: things don't work, you go the other way, and you
Speaker 1: go back and forth until you know and you never
Speaker 1: have a lopsided government. Should vote your conscience. You really should.
Speaker 4: I mean, if things aren't going your way, a lot
Speaker 4: of people do. Like listen, Tom, I'll be the first
Speaker 4: to say, there's a lot of people that probably benefited
Speaker 4: from different things that change, like healthcare through Obama, there
Speaker 4: was a lot of people that didn't have coverage. Now, unfortunately,
Speaker 4: there was a lot of people that ended up paying
Speaker 4: a lot more for coverage and more taxes in order
Speaker 4: to cover those people that didn't have it.
Speaker 1: So it all depends. If I was someone that didn't have.
Speaker 4: That coverage, I would vote for Obama once again for
Speaker 4: that matter, or Harris, but it's just not the way
Speaker 4: it is.
Speaker 1: Yeah, that's true. That's true.
Speaker 4: I mean, don't you vote your circumstance or are you
Speaker 4: voting someone else's circumstances?
Speaker 1: Of course, you vote your own, of course. But here's
Speaker 1: what I think. And I know you don't want to
Speaker 1: hear it, but god, I just know he's going to lose. Yeah,
Speaker 1: I know, you know what. I'm not even gonna I'm
Speaker 1: not taking your bait, dude, there's no there's no bait.
Speaker 1: He's going to lose. Okay, Well he's going to lose.
Speaker 1: And can we flash back.
Speaker 4: To twenty sixteen. For a minute, say it again, Tom,
Speaker 4: I want to hear it. How he was going to
Speaker 4: lose that? Or are you going to deny that you
Speaker 4: said that for a year.
Speaker 1: No, I didn't deny it.
Speaker 4: So you're you're telling you you're you're not going you
Speaker 4: were wrong in it?
Speaker 1: That is that going to lose? Because wait, wait, you're
Speaker 1: you're noticed what I said. I didn't say she's going
Speaker 1: to I didn't say she's going to win, did you.
Speaker 1: I didn't say the same thing in sixteen. I didn't
Speaker 1: say she's going to What I said?
Speaker 4: My god, Now, I I you're not You're not being
Speaker 4: about Parris's election.
Speaker 1: I'm talking, I, of course about your record of being right.
Speaker 4: Did you not say there was no way in hell
Speaker 4: that our current president was going to drop out?
Speaker 1: Was that not you as well?
Speaker 12: Yeah?
Speaker 1: I said that, OK. And I also said, you say
Speaker 1: Trump wouldn't win in a million years in sixteen, not
Speaker 1: in a millionaires. I said he wouldn't win. Ever, Well,
Speaker 1: I didn't say ever. I was saying that election. I
Speaker 1: never looked forward. Mark, You want to know the truth,
Speaker 1: I said he's not going to win. I thought Hillary
Speaker 1: was going to win. I guess is pointing out your
Speaker 1: track record. Okay, good, But here's the thing. It's not
Speaker 1: that the he's doing everything he can to lose. The
Speaker 1: guy just, oh my god, his most recent statement that
Speaker 1: he's going to prosecute and go after everyone who defrauded
Speaker 1: the election in twenty twenty. Okay, and do you have
Speaker 1: audio of this? I'm just curious. Yeah, in fact, I
Speaker 1: listened to it this morning. Yes, why don't you look
Speaker 1: at it? I don't mark here, unlike you, I don't
Speaker 1: look at just one source of news. Now, I want
Speaker 1: to make this clear. I am not talking about my
Speaker 1: personal preferences. I am saying that I feel he's doing
Speaker 1: everything he can in his power to lose. I don't
Speaker 1: know why. Well, sorry, but he is. You don't think
Speaker 1: he is. Just think he's You think he's talking like
Speaker 1: a presidential candidate. Yes, well I don't think he's think
Speaker 1: he's talking now. I think he's talking like most of
Speaker 1: us want to hear right now. Well, I don't know
Speaker 1: if they do or not, but maybe they do. Who
Speaker 1: are you listening to? Kamala? Who is now changed?
Speaker 4: Listening who is now sitting He changed every opinion she's
Speaker 4: ever had. I don't want fracking. Now I do want fracking.
Speaker 4: I don't want those now, I'm not tis I see Mark.
Speaker 4: Now here's I don't want to border. Now will you
Speaker 4: listen anything? Because he says.
Speaker 1: Mark, I'm not. I'm not holding up Kamala as a
Speaker 1: wonderful person in candidate. In fact, I don't want her
Speaker 1: to win. See here's where you you flaw. You believe
Speaker 1: because I bring out Mark. You believe because I bring
Speaker 1: out the deficiencies of Trump and the personality defects. You
Speaker 1: think I'm automatically going for the other side.
Speaker 4: Don't look at him as defects. I am pointing out.
Speaker 4: I don't think their defects. If Trump wasn't Trump, he
Speaker 4: wouldn't have been in in sixteen, if he got up
Speaker 4: there until.
Speaker 1: I don't think he could be You don't think he
Speaker 1: could have been in. You don't think he could win
Speaker 1: more people by having just a little more decordus.
Speaker 4: I've got this strongest base of anybody ever in modern history,
Speaker 4: the strongest base ever.
Speaker 1: You know you can So here's the deal. If you
Speaker 1: feel he's perfect, that's wonderful. I just feel like he is.
Speaker 1: He He he pisses people, He drives people away, who
Speaker 1: want to vote Republican. That's what I think. I think
Speaker 1: he does more to harm him, dam nimself. You don't
Speaker 1: come on, I mean, how many times are you gonna
Speaker 1: ask me? Tom Well?
Speaker 4: Honest to god, I mean, I don't even know what
Speaker 4: to say to that. If Trump wasn't Trump, he would
Speaker 4: have never won in sixteen. It wouldn't have happened. If
Speaker 4: he wasn't boisterous, and he didn't give people names, and
Speaker 4: I don't care if we were talking about the primaries
Speaker 4: or direct opponents. If he wasn't him, it would have
Speaker 4: never happened.
Speaker 1: Well, I disagree, okay, I think he could do better.
Speaker 1: I think he's divided the Trump was a statesman.
Speaker 4: I mean, I'm not saying I'm not even saying he
Speaker 4: should be a statesman and I original to.
Speaker 1: Be a politician. But I think people can be a
Speaker 1: little he can, he can, he can do better. I think.
Speaker 1: Now you know, will he win? I hope he does,
Speaker 1: only because we have lopsided government. I think he should
Speaker 1: because at least that'll let other, uh, other conservative values
Speaker 1: and thoughts into the govern where we're too far left
Speaker 1: right now, That's what I believe, Okay, that's what I believe.
Speaker 1: But I think he's doing everything that I'm just saying.
Speaker 1: I fear, maybe I should say, I fear that he's
Speaker 1: doing everything he can to piss people off, even people
Speaker 1: who want to vote for him. They look at him
Speaker 1: and some of them they're just sick and tired of it,
Speaker 1: and they're saying, why don't you be a little nicer
Speaker 1: for guys?
Speaker 4: Oh, they're going to vote for the socialist. No, I
Speaker 4: didn't say that. Well, I actually then and then none
Speaker 4: of it matters, honestly.
Speaker 1: Well, I think, well, no, I okay, I should amend that. No.
Speaker 1: I do believe a lot of independence will vote for
Speaker 1: Kamala because here's why they hate Trump. Okay, and and
Speaker 1: they they just tom it's not that they.
Speaker 4: In fact, let's just start running best ofs leading up
Speaker 4: to the election.
Speaker 1: Dragons, it's not that they love I don't. But see,
Speaker 1: I want to be wrong, Mark you see you you
Speaker 1: look at it as a contest. I want to be wrong.
Speaker 4: Actually say, you make definitive statements. Biden will not drop out.
Speaker 4: It's not going to happen. You were wrong. Trump will
Speaker 4: not win. You were what I was wrong?
Speaker 1: I thought I thought his ego was such that he
Speaker 1: would never ever ever drop out. I yeah, well, okay,
Speaker 1: that's what I thought about. He was wrong, Hey, Mark,
Speaker 1: he got people think people have different opinions.
Speaker 5: All the time.
Speaker 4: If you're a Democrat out there, the fact that they
Speaker 4: didn't even give you an opportunity to look at other
Speaker 4: people tells you what a sheep you are? You sheep
Speaker 4: Democrats out there. You didn't even get a chance. They
Speaker 4: picked it. Do you realize that you morons, you didn't
Speaker 4: even get to pick a candidate this year?
Speaker 13: Mark.
Speaker 1: Just like I don't like people calling Republicans warrens, I
Speaker 1: don't like calling democrats Warns. I think everyone has their
Speaker 1: own opinions. I happen, I happen to skeew more conservative.
Speaker 1: But I don't think all Democrats are morons.
Speaker 4: Okay, I think they are either. But I'll tell you what.
Speaker 4: They got screwed by their party big time.
Speaker 1: We got. We got to take a break, by the way,
Speaker 1: and we'll come right back. I'm Tom Martine. Go with
Speaker 1: a sure thing Denver's best roofer Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance checkup free, no obligation in comparison call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three all three seven seven one help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate man dot com to list your
Speaker 1: home with Remax Alliance three all three nine two zero
Speaker 1: sixteen twenty two. All right, I'm Tom Martino. You're a troubleshooter.
Speaker 1: Three O three seven one three talk three all three
Speaker 1: seven one three A two five five The Voice of Balance,
Speaker 1: Tom Martine. Hey, David, what did you want to say?
Speaker 1: Go ahead? I'm allowing it. Go ahead, David.
Speaker 2: Yeah, I was just wondering. I don't understand why, you
Speaker 2: know how you had all these deputies. Why Mark can't
Speaker 2: just be a deputy and keep him off of the air.
Speaker 2: I mean, he ruins the show, he does well well
Speaker 2: according to everybody else in the world.
Speaker 4: You have dumb ass. They love me, and you know what, David,
Speaker 4: I'll be honest. You're the kind of guy, but you
Speaker 4: know what, here's the problem. Put your ass on hold.
Speaker 4: You're the kind of guy that does this. You just
Speaker 4: there and complain about me, but you think about me
Speaker 4: every night.
Speaker 1: When you go to sleep.
Speaker 4: I can't wait to hear what the hell he's gonna
Speaker 4: say the next day, so I can get all worked up.
Speaker 1: And do you know what? Now I figured out why
Speaker 1: he likes Trump. Come on, man, I just figure he's there.
Speaker 1: They're like you notice you never see him together?
Speaker 4: And you ever notice that? Hey, guess who I saw
Speaker 4: in Arizona?
Speaker 12: Though?
Speaker 1: Who?
Speaker 4: And I am not kidding Vance. I went and I
Speaker 4: went and met Vance?
Speaker 1: Did you really? Honest to god? I got pictures and everything.
Speaker 1: How did he sound? He sounded great? M okay, he
Speaker 1: was at the Bill. Hey, David, listen, David. Everyone's got
Speaker 1: an opinion on everything. I swear to God. I mean,
Speaker 1: that's what this whole, that's what the world goes around on.
Speaker 2: I mean, well, like he put me on hold you you?
Speaker 1: Oh wait, what happened to David? Hold on? Stop? Mark,
Speaker 1: hold on? Go ahead, David, back up? Go ahead, David,
Speaker 1: go ahead, David seriously, go ahead, Cliff whoop? Sorry David, Mark,
Speaker 1: come on, let him finish. Just go ahead, David, seriously,
Speaker 1: let him do it. Let him finish. Okay, David, go.
Speaker 18: Go David.
Speaker 1: Oh he hung up? Now he did not see okay,
Speaker 1: Bill what did you want to talk about? Insurance?
Speaker 17: Go ahead, Bill, okay, just uh, why can't we all
Speaker 17: have insurance on ourselves?
Speaker 16: Because you know in nineteen seventy seven, I well.
Speaker 1: Yeah, somebody say you're talking about so whatever car are
Speaker 1: you driving? All that right, because because all the cars
Speaker 1: have different as Brian brought out aptly, all cars have
Speaker 1: different performance guidelines, difference what they're different, that and it.
Speaker 1: For example, if you have insurance on you, Bill, and
Speaker 1: then you drive a big rig or you drive a motorcycle,
Speaker 1: or you drive a Ferrari, or you drive a Chevy Tahoe,
Speaker 1: it's going to be a lot different risk.
Speaker 17: Yeah, but you know in nineteen seventy seven, oh.
Speaker 1: And then nineteen fifty three, and in nineteen twenty Well, okay,
Speaker 1: go ahead, tell me what happened?
Speaker 17: Wait wait I lost my license?
Speaker 1: Yes, and what happened?
Speaker 6: I wrecked the car when I lost my license.
Speaker 1: Yeah, so I lost.
Speaker 17: So to get my license back, yeah, I had to
Speaker 17: get insurance, right, that's right.
Speaker 1: I'm just me. Not on a vehicle. No, that's not true.
Speaker 5: It's called non owner's non owner's insurance. But oh it
Speaker 5: doesn't cover you on your own vehicles. It only covers
Speaker 5: you on other people's vehicles. In other words, you have
Speaker 5: regular access to a vehicle. The non owners does not
Speaker 5: cover you.
Speaker 1: So, Brian, who would buy non owners coverage?
Speaker 5: Someone that doesn't have a car that or someone A
Speaker 5: lot of times I'll send the more expensive No. I mean,
Speaker 5: it can be based off of driving history. But the
Speaker 5: most common reason you see it is someone that lost
Speaker 5: their license, that has an SR twenty two, is required
Speaker 5: to carry insurance, but doesn't have a car.
Speaker 1: And I believe you wrote one of those on me
Speaker 1: when I used to have trade cars from Roly.
Speaker 5: I think I don't remember doing a non owners Maybe
Speaker 5: I did, Maybe I did, But yeah, non owners that
Speaker 5: is a thing, but it doesn't cover you for what
Speaker 5: you're you're talking about here. It doesn't cover you to
Speaker 5: just drive one any any vehicle you own.
Speaker 1: Now, I'm going to go back to David. Please let
Speaker 1: him finish his point. I'm serious, dragon, Let him finish
Speaker 1: his point. Locket in there, let him finish. Uh, you know,
Speaker 1: And and people, if you want to call me a
Speaker 1: trump Peter, you can call me too, But I'm not
Speaker 1: a trumpeter.
Speaker 4: No, David's a marketer, even though he sits at my
Speaker 4: shrine every day at night. Okay, a picture of me
Speaker 4: on your ceiling.
Speaker 1: Okay, go ahead.
Speaker 2: David, listen and I go I mean way back.
Speaker 1: Yeah, go ahead, I'm listening.
Speaker 2: I mean, you help my sister when you are on channelful.
Speaker 2: She got a new uh the sewing machine. That was
Speaker 2: like when I was twenty something years old, eighteen anyway.
Speaker 1: Mark, Mark, let him complete and then you know, like
Speaker 1: let him finish. Go ahead. But you know.
Speaker 2: He used to come over. I knew him because his kid,
Speaker 2: and Jeff was my friend. I mean, I've been listening forever.
Speaker 2: I mean I know Jeff Feast and it's just.
Speaker 1: It's like he knows Papa John.
Speaker 7: I stopped listening.
Speaker 2: I just can't and that I'm not the only one.
Speaker 1: Dragon. Can you help me out? And I'm serious, Dragon,
Speaker 1: I'm dead serious.
Speaker 6: You're on you.
Speaker 12: You take a day off.
Speaker 2: Mark's there alone. I used to like play this and
Speaker 2: I'm like, this is the guy that's supposed to be
Speaker 2: helping people, and people were it was like the comedy.
Speaker 1: But he does he does help people, but he.
Speaker 2: Helps people understand the best he can.
Speaker 6: But overall, you got to weigh it up.
Speaker 2: I mean, he doesn't even seem to understand, and I understand,
Speaker 2: and just like you, Tom, you're making a point which
Speaker 2: is very valid. I voted for Trump. I'm a conservative,
Speaker 2: but I know people that were in the middle, and
Speaker 2: they saw his first debate. It was, you know when
Speaker 2: he was uh, the very first one when he decated by.
Speaker 1: You're rambling, keep going out now now you're well okay,
Speaker 1: I said that was it.
Speaker 2: The point is got a very valid But they said
Speaker 2: they can never vote for him, and they're not voting.
Speaker 2: They won't vote for Kamala, but they can't vote for
Speaker 2: Trump because they can't stand him.
Speaker 1: Now, you got to vote for someone. Simple point.
Speaker 2: I'm voting for Trump, but other people vote on their emotion,
Speaker 2: and it's just.
Speaker 1: I gotta take a break. Good jo ahead, Mark, No,
Speaker 1: it's great, David. I appreciate it. David.
Speaker 4: I hope, I hoping you and your family and wish
Speaker 4: you a merry Christmas and all that crap.
Speaker 1: All right, we got more coming right up. Go with
Speaker 1: a sure thing Denver's best rufer excel roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 1: insurance paying too much your coverage at dozens of insurance companies.
Speaker 1: Find out now three oh three seven seven to one help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate man dot com to list your
Speaker 1: home with Remax Alliance three oh three nine two zero
Speaker 1: sixteen twenty two. Okay, I'm Tom Martino. You're a troubleshooter.
Speaker 1: Three oh three seven one three talk Craig, Go ahead,
Speaker 1: what's going on with you? Craig? Welcome? He just well,
Speaker 1: now I got I got another one back, so I
Speaker 1: think he's upous. Go ahead, Craig, what's happening?
Speaker 9: Hey Tom? Yeah, I switched over to your station. I
Speaker 9: don't mind the political talk on your show, and I
Speaker 9: want to support what Mark said. Yeah, Democrat, the Democrat
Speaker 9: elite decided who their candidate was going to be.
Speaker 1: Oh that's true, Yes it is. Oh everyone knows that.
Speaker 9: Of course they well not everyone knows that, which is
Speaker 9: I think they do?
Speaker 1: Come they don't. They have no idea.
Speaker 9: Kamala Harris was not even she was the first one
Speaker 9: out in the Democratic Uh try last primaries last time.
Speaker 1: Yeah, she was warmed right, So.
Speaker 9: Where is all this support for her. Now, why did
Speaker 9: this she suddenly become the queen of because.
Speaker 1: She's a she's because they were they were desperate to
Speaker 1: rally behind someone. That's why, I mean, let's face it.
Speaker 1: And by the way, by the way, where where you
Speaker 1: have to go to Ray Craig, you're welcome to stay there.
Speaker 1: And I don't mean for this to be a political talk,
Speaker 1: but there's nothing wrong with talking about it. There's nothing
Speaker 1: wrong at all. It's a major deal. And I just
Speaker 1: made an observation that Mark disagrees with. It. Doesn't express
Speaker 1: my preference, but I think I think Trump could be
Speaker 1: a lot nicer and still get the support plus more.
Speaker 1: I don't know, that's my opinion. Got more coming up
Speaker 1: on the Troubleshooter Show. Go with a sure Thing Denver's
Speaker 1: Best Roofer Excel Roofing dot com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance check up, free,
Speaker 1: no obligation comparison call Compass Insurance. Pay too much your
Speaker 1: coverage at dozens of insurance companies find out now three
Speaker 1: oh three, seven seven to one help. You'll think you're
Speaker 1: his only customer when you choose Frank durand the real
Speaker 1: estate man dot com to list your home with Remax
Speaker 1: Alliance three oh three nine two zero sixteen twenty two
Speaker 1: rip you don't have run as can? Shoot's gonna help?
Speaker 1: Come man, This is the Troubleshooter Show. No Tom Martine, Hi,
Speaker 1: Tom Martino here, Welcome to the show. Three All three
Speaker 1: seven one three talk three all three seven one three
Speaker 1: eight two five five. What's going on in your life?
Speaker 1: How can we help you? All you have to do
Speaker 1: is give us a call and quite a lively show.
Speaker 1: I like I said, Uh, I don't ignore stuff, can't
Speaker 1: ignore stuff. I Uh, I have to talk about stuff.
Speaker 1: Tonight people are having watch parties. It's like a damn
Speaker 1: super Bowl between Kamala and uh and Trump. And all
Speaker 1: I said was, uh, you know, uh, I think there's
Speaker 1: enough hatred out there for Trump and people are tired
Speaker 1: of those antics of putting everybody down and talking about
Speaker 1: who he's gonna go after and who's stupid, and that
Speaker 1: people are fed up with it, and he's probably gonna lose.
Speaker 1: And then I didn't say I wanted him to. In fact,
Speaker 1: I said I'd probably vote for him, and I would
Speaker 1: rather not have lopsided government. We're totally lopsided, and I
Speaker 1: think he would not be a block to a lot
Speaker 1: of good things that would balance things out. I also
Speaker 1: believe that Kamala would be a disaster. But it's going
Speaker 1: to be interesting to watch this debate tonight. It's going
Speaker 1: to be very interesting. I think I would play defensive
Speaker 1: and just sit back and let her destroy yourself. But
Speaker 1: what do you think? I mean, really, what do you think?
Speaker 1: What time is it on? By the way, what time
Speaker 1: does anyone know? Seven o'clock, seven o'clock? So anyway, today
Speaker 1: is Insurance Helps Center Day, although you can go there
Speaker 1: any day the Insurance Help Center dot com. Have we
Speaker 1: been doing any checkups? Brian today, three h three nine
Speaker 1: ninety six, nine thousand. I'm encouraging people to call and
Speaker 1: see if they have a great deal or if they
Speaker 1: if they need to change what.
Speaker 5: Did you okay? I have a couple here that were
Speaker 5: sent my way. One I thought was interesting. They called
Speaker 5: because they are with I think it's Amerror Prize, but
Speaker 5: through Costco Direct, and they had a couple claims over
Speaker 5: the last I.
Speaker 1: Didn't know Costco. I didn't know they did insurance druct.
Speaker 5: Yeah, they have some kind of program. It's through I
Speaker 5: think the company is called Ameror Prize, but this particular
Speaker 5: customer has had them, had a couple claims and it
Speaker 5: was just they did not enjoy the customer service for
Speaker 5: claim handling. So we have moved them over to Travelers.
Speaker 1: And was it a better price?
Speaker 5: It's basically the same. It says, not not much savings,
Speaker 5: but they were thrilled to have someone to talk to.
Speaker 5: I just it's a different kind of call, so I
Speaker 5: thought I would share that. The other one that I
Speaker 5: have here, this client had auto home and umbrella with
Speaker 5: three different carriers. We packaged it up and they have
Speaker 5: a big house. The house is over one point five
Speaker 5: million on the dwelling, and so we put them the
Speaker 5: carrier called Pure and the Pure for home auto umbrella
Speaker 5: is a much better policy than what they had before,
Speaker 5: has uncaptured replacement cost. It's it's got everything you would want,
Speaker 5: and it saved them four thousand a year.
Speaker 1: Okay, that's unbelievable in today's let's face it, in today's day.
Speaker 1: I mean this is that's unbelievable.
Speaker 5: Yep. And then one more, it looks like the person
Speaker 5: called in has had a home and auto and an umbrella. No,
Speaker 5: they didn't have the umbrella home in auto with USAA.
Speaker 1: Uh.
Speaker 5: We moved them to a company called Acuity, and we
Speaker 5: added an umbrella, give them an extra million dollars, lowered
Speaker 5: their deductible from one percent of their dwelling limit to
Speaker 5: five thousand all peril, and saved them fourteen hundred bucks.
Speaker 1: Wow, that's so we're still saving that's good.
Speaker 5: Yeah, we're still finding some yep.
Speaker 1: Yep. So you can do this at any time three
Speaker 1: nine nine nine thousand three or three nine thousand, yes.
Speaker 18: Sir, Can I ask a mister compass here next to me?
Speaker 19: Yes, if you could address if you had a truck
Speaker 19: that was totaled due to hail damage, is there a
Speaker 19: way a workaround to get full coverage on that?
Speaker 5: Yeah, because it's not a salvage title. It's a what
Speaker 5: is it called a branded title.
Speaker 1: But they're always going to take away that damage.
Speaker 5: That's right, That's what I was gonna say. You can
Speaker 5: there there are carriers out there that would give you
Speaker 5: full coverage as long as it's not salvaged.
Speaker 1: Well, it's full coverage, but it's not full coverage. It's
Speaker 1: called fold coverage.
Speaker 5: Yeah, you're getting depreciated value. And this is my argument
Speaker 5: for not doing it because you're paying for a premium
Speaker 5: of a vehicle that would be fixed completely. But they're
Speaker 5: not going to fix it completely. If you had an accident,
Speaker 5: they're going to depreciate based off of a factory I.
Speaker 1: Can't think of anything but a total wreck where you'd
Speaker 1: get any payment.
Speaker 18: Yeah, yeah, now, okay, it's still a clean title cord.
Speaker 1: It doesn't matter. Charlie, I mean, I mean, Chopper. I'm
Speaker 1: looking at Charlie, who's on the line I want to take,
Speaker 1: But Chopper, it doesn't matter because here's the deal. Let's
Speaker 1: say that claim. What was it a sixteen thousand dollars claim?
Speaker 1: Why did they totally?
Speaker 13: What?
Speaker 1: What? Or they didn't totally? But why are they not fixing?
Speaker 13: It?
Speaker 1: Was his sixteen eighteen year an.
Speaker 19: Actually, I'm getting it fixed, and that's why I was
Speaker 19: asking if I could.
Speaker 1: Well, you didn't mention that hard. Oh yeah, well you
Speaker 1: can get.
Speaker 5: Full covered, you meant when it was still damaged.
Speaker 18: No, I was told I could only get my bill O.
Speaker 1: No, No, that's not true at all. Get full cover
Speaker 1: once it's fixed. It's fixed. That's the only part of course,
Speaker 1: you can get coverage. It's a regular car.
Speaker 18: What did you make muck matter or something?
Speaker 6: Why?
Speaker 18: I think he just left?
Speaker 1: I mean, who knows, Charlie. What's going on with you, Charlie,
Speaker 1: what's happening?
Speaker 12: Hey? Tom, was appreciate your service. Here's one for you,
Speaker 12: and I'd love your advice.
Speaker 1: Came doing a.
Speaker 12: Gentleman selling a property. Okay, a business, Yeah, tell my owner.
Speaker 12: I approached him, We came to an agreement.
Speaker 20: He sent me a purchase agreement which needed to be
Speaker 20: modified and modified it sent them the red line. I
Speaker 20: sent it in both word and PDF format. He turned
Speaker 20: around and signed it. Okay, which one did he sign?
Speaker 20: Which one did he sign?
Speaker 12: He signed the red line one, the one that I modified,
Speaker 12: the PDF? Purchase the PDF? Okay, okay, keep going, he
Speaker 12: signed signed a PDF.
Speaker 1: Okay.
Speaker 20: So over the course of two months, over the summertime,
Speaker 20: I'm working at this business that I'm buying.
Speaker 12: That's what he's selling, is this business with the property.
Speaker 12: So I'm learning the ropes of the business. Two months
Speaker 12: into it, he turns to me and says, is this the.
Speaker 1: Standard real estate contract for the state of Colorado? No,
Speaker 1: who made it up?
Speaker 3: Uh?
Speaker 12: It was they sent it to me originally, and then
Speaker 12: who's they?
Speaker 1: He and his attorney.
Speaker 12: No, him and his father who owned.
Speaker 1: Really, it was a contract that they drafted.
Speaker 20: Uh, correct, it was, well, it was more or less
Speaker 20: a standard purchase agreement that they looked like a.
Speaker 1: Purchase agreement for the business and real estate owned by
Speaker 1: the business. It's but yeah, but it's it's the business.
Speaker 1: If you didn't buy the business, you couldn't buy the
Speaker 1: real estate.
Speaker 12: Correct. Well, I'm bind both correct, But.
Speaker 1: Charlie, Charlie listening, sir. If you bought the real estate,
Speaker 1: it's a real estate transaction. If you bought the business,
Speaker 1: it's a business transaction. If you bought the business that
Speaker 1: owns the real estate, it's a business transaction. Okay. So
Speaker 1: I'm trying to discern it because different laws apply for
Speaker 1: different transactions. You bought a business and the real estate
Speaker 1: was part of the business. Is that correct?
Speaker 12: Correct?
Speaker 1: There were not two separate contracts. Is that right?
Speaker 12: Correct?
Speaker 1: Okay? Keep going, keep going. Okay.
Speaker 12: So, over the course of the summer, I work at
Speaker 12: the business. I get my head around things, making some adjustments,
Speaker 12: buying equipment. Two months later, he says, hey, why is closing?
Speaker 12: I said, well, you have your approach to the title company.
Speaker 12: He hadn't approached the title company yet to start the closing.
Speaker 12: He at the beginning of August, I actually get an
Speaker 12: email from the title company that says, hey, here's where
Speaker 12: you send the escro money, which I did within twenty
Speaker 12: four hours. They acknowledged it on August sixth.
Speaker 20: I'm working with his daughter to transfer the domain name
Speaker 20: social media on their paperwork and contracts, and then at
Speaker 20: the end of the month he just turns around and says,
Speaker 20: I've decided I'm.
Speaker 1: Not going to do this. Okay, Okay, keep the business.
Speaker 1: He wants to keep both the business and the real estate.
Speaker 12: Correct, Okay, this is after I put in hours and
Speaker 12: hours and hours work, purchased equipment, I've made adjustments.
Speaker 1: Is your question on the red line contract?
Speaker 12: My question is, because we have a age, whether it
Speaker 12: was red.
Speaker 4: Lined or not they signed it right, I'm not positive, Tom,
Speaker 4: but I've kind of had to do research on this before.
Speaker 1: It's pretty hard to enforce that.
Speaker 4: I'm not saying it's impossible, but generally it's going to
Speaker 4: be up to a judge if it truly is redline
Speaker 4: and what is.
Speaker 1: That, and well if they both agreed to see see
Speaker 1: if he signed the red line though, Mark, that's different.
Speaker 4: But the red line means that that section of the
Speaker 4: contract is crossed out. So if that section applies to
Speaker 4: any reason or gives any reason, No, no, I.
Speaker 1: Don't think that's your what you're alleging, right sir? Are
Speaker 1: you saying that you're not trying to enforce a red
Speaker 1: line portion? Right? Correct?
Speaker 12: I'm not what I guess when I in my apologies,
Speaker 12: I am using the wrong terminology. When I say redline,
Speaker 12: I mean updates, not crossed out.
Speaker 13: Like.
Speaker 12: Okay, the purchase agreement they sent me was from New Mexico.
Speaker 12: It literally said this is and.
Speaker 1: You changed it, you made changes, and he signed it.
Speaker 1: But here's the real question. The real question you have
Speaker 1: is can you hold people to what is called liquidated
Speaker 1: damages or specific performance, and that's usually called for in
Speaker 1: the contract. In the absence of that in a contract,
Speaker 1: if you don't have liquidated damages like usually there's an
Speaker 1: amount if anybody breaches, here's what you owe. Do you
Speaker 1: have liquidated damages in that contract? I'll have to check
Speaker 1: it out.
Speaker 12: I don't have it in front of me.
Speaker 1: Well that's something you should remember, but okay, correct, Well,
Speaker 1: hold on, you did have a lawyer well, if you
Speaker 1: had a lawyer, ask the lawyer if it's liquid data
Speaker 1: damages or specific performance. Now, in the absence of anything mentioned,
Speaker 1: it's an agreement, and theoretically you can sue for specific
Speaker 1: performance and usually you don't win.
Speaker 4: You really don't think there's a contractual issue, though, if
Speaker 4: he made changes, and let's just say the other person
Speaker 4: didn't realize changes were made to it and signed it,
Speaker 4: I don't understand why this conversation started with a redline contract.
Speaker 1: All he wanted to say was he revised the contract
Speaker 1: and they came to an agreement, and they came to
Speaker 1: an agreement correctly, Charlie. I mean, it's no different than
Speaker 1: any contract that's changed, even when you crossed a fout
Speaker 1: and initial it. He's not even he's not even trying
Speaker 1: to enforce the crossed out part. But Mark was asking,
Speaker 1: do any of the crossed out areas say stuff like
Speaker 1: he can back out? No, there's no, there's no because
Speaker 1: what Mark is saying is he could simply deny. He
Speaker 1: could say, wait a minute, I have a backout clause here,
Speaker 1: and you can say no, I crossed it out or
Speaker 1: I made a change. But Mark, I don't think he
Speaker 1: could you send us a copy of that. Can we
Speaker 1: look at that?
Speaker 12: Sure? Sure?
Speaker 1: But I don't think he could sign it though and
Speaker 1: then claim he didn't know there were changes made.
Speaker 12: Correct.
Speaker 1: I don't think he.
Speaker 20: Could after after timeline. We have emails that show he
Speaker 20: signed it after I made the revisions. But also we
Speaker 20: add to this, the title company had created a commitment agreement.
Speaker 1: That doesn't matter that it doesn't matter. It still goes
Speaker 1: back to the original contract. Can you sue him for
Speaker 1: specific performance? I would like to get Brad O'Brien because
Speaker 1: it's even though it's real estate, even though it's business,
Speaker 1: it has real estate tied to it. I would just
Speaker 1: like to ask because he's good at contract law in general.
Speaker 1: So see if we can get Brad on real quick.
Speaker 1: We got to take this break. I'm Tom Martino. Go
Speaker 1: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content, Wait time
Speaker 1: for an insurance checkup free, no obligation. In comparison, call
Speaker 1: Compass insurance paying too much your coverage at dozens of
Speaker 1: insurance companies find out now three oh three seven seven
Speaker 1: to one. Help. You'll think you're his only customer when
Speaker 1: you choose Frank durand the real estate man dot Com
Speaker 1: to list your home with Remax Alliance three oh three
Speaker 1: nine two zero sixteen twenty two. Tom Martino here three
Speaker 1: oh three seven one three talk seven one three eight
Speaker 1: two five five. All right, let's talk to Brad O'Brien,
Speaker 1: attorney at law. Thank you, Brian so much for being here.
Speaker 1: Charlie had a question. Nowt it's not just real estate.
Speaker 1: It's it's a buy sell agreement for a business which
Speaker 1: is attached to the real estate. Charlie, what kind of
Speaker 1: real estate A warehouse or what?
Speaker 7: Yeah?
Speaker 12: So the Charlie drive in movie theater? Yeah, I'm here, can.
Speaker 1: You hear me? Yeah, it's a drive in movie theater.
Speaker 12: Correct? Correct?
Speaker 1: You mean like a drive in, like a good.
Speaker 12: Old fashioned Yeah, exactly, exactly.
Speaker 1: Really were you driving with your car and you sit
Speaker 1: in your car and watch a movie? That's it? Okay,
Speaker 1: So you're buying that business and you didn't use the
Speaker 1: state approved contract. You just they made up a contract,
Speaker 1: you made some revisions, you both came to an agreement
Speaker 1: and signed it. Did you put arnest money up? I have?
Speaker 1: I have? Okay? How much of earnest money. Did you
Speaker 1: put up ten thousand dollars and then after or how
Speaker 1: long did he say? I changed my mind less.
Speaker 12: Than thirty days.
Speaker 1: Did you meet with all any requirements like financing or
Speaker 1: anything that were Is there anything you did not do
Speaker 1: as far as deadlines in the contract?
Speaker 12: No, I have met all requirements.
Speaker 1: Is there anything in the contract? Is there anything in
Speaker 1: the contract that mentions liquidated damages or backing out or anything?
Speaker 1: He doesn't know he's going to send it over though,
Speaker 1: Brad in general. In general, Brad, he's upset that the
Speaker 1: guy's backing out and he wants to know can he
Speaker 1: force him to go forward?
Speaker 8: Well, you got to look at the actual written contract
Speaker 8: to answer that question.
Speaker 1: What would in the written con Let's put its way, Brad.
Speaker 1: What in the written contract would not allow him to
Speaker 1: back out?
Speaker 8: Well, there should be a remedies section, which is what
Speaker 8: you can do again, get us side defaulted if it
Speaker 8: says the buyer's only recourse. If a solid default is
Speaker 8: to get the money back, then that's all you can do.
Speaker 1: On the other hand, if it's okay, like.
Speaker 8: A specific performance, then you can force the salor go through.
Speaker 1: What I want to ask is this, does it have
Speaker 1: to mention specific performance? What if it's mute on both
Speaker 1: of those, on specific performance and liquid dated damages. What
Speaker 1: if it just doesn't mention either of those.
Speaker 8: What then the question of Colorado case law. But I
Speaker 8: believe without researching, I believe that you have a remedy
Speaker 8: of specific performance if it's not excluded.
Speaker 1: But okay, so it could be it could be that
Speaker 1: if it's not excluded, that he could do specific performance.
Speaker 1: This is what I've been told in the past. Although
Speaker 1: I've never been involved in a lawsuit like this, Brad,
Speaker 1: I always was told it's very difficult to sue on
Speaker 1: specific performance because to make someone do something they do
Speaker 1: not want to do can be a real problem.
Speaker 8: Yeah, most of time cases are about money, and if
Speaker 8: there's a money remedy that the courts, that's the number
Speaker 8: one remedy you can get courts is to get money
Speaker 8: for your Andrew your images and specific performance is an
Speaker 8: equitable remedy, and it's that's why it's helpful to actually
Speaker 8: have that in there that you do a specific performance.
Speaker 1: Kay, Charlie, did you look at it while we're on
Speaker 1: the phone or not? Or you still don't know?
Speaker 12: No, I am looking at it.
Speaker 1: Okay, we're going to take a break and look at it. Brad,
Speaker 1: thank you so much. Olslaw dot com for real estate
Speaker 1: issues of all kinds seven to zero three seven zero
Speaker 1: seventy three eighty eight. So what Brad is saying is this,
Speaker 1: if it doesn't exclude it, you can probably go for it.
Speaker 1: But if there's liquid data damage under remedies, you need
Speaker 1: to go for that. If it doesn't mention either of them,
Speaker 1: you know you could have a case for specific performance,
Speaker 1: but it's going to cost you money to make this go,
Speaker 1: you know, to to enforce it. So think about that
Speaker 1: and then let me know what it says. Right after this,
Speaker 1: I'm Tom Martinez, and I want to say, probid energy
Speaker 1: dot com for solar systems. Again, we only have a
Speaker 1: few people we endorse for solars. Probid Energy dot com honesty, integrity, value.
Speaker 1: Probid Energy dot com. Go with a sure thing Denver's
Speaker 1: Best roofer Excel Roofing dot Com. You don't pay a
Speaker 1: cent until you're content. Time for an insurance checkup free,
Speaker 1: no obligation. In comparison, call Compass insurance paying too much
Speaker 1: your coverage at dozens of insurance companies. Find out now
Speaker 1: three oh three seven seven to one. Help you'll think
Speaker 1: you're his only customer when you use Frank durand the
Speaker 1: real estate man dot com to list your home with
Speaker 1: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Hi Tom Martine, I want to go back to Charlie
Speaker 1: real quick and see what's going on. Eight eight eight
Speaker 1: Heating dot Com. Remember honest evaluations of your furnace and air,
Speaker 1: and they do heat pump's high efficiency for those with
Speaker 1: solar systems as well, especially if you couple it with
Speaker 1: an installation, you get a big tax credit. Eight eight
Speaker 1: eight Heating dot Com. So go ahead, Charlie. Did you
Speaker 1: read about remedies for cancelation or termination?
Speaker 12: Go ahead if the if correct. So, if the seller
Speaker 12: fails to comply with this contract for any reason, seller
Speaker 12: will be in default and the buyer may either in
Speaker 12: forced specific performance, seek such other remedies as may be
Speaker 12: provided by law, or both, or be terminate this contract
Speaker 12: and receive earnest money, thereby releasing both parties from this contract.
Speaker 1: So it actually provides, literally provides for liquidated damn excuse
Speaker 1: me for a specific performance. It does not exclude it.
Speaker 12: Correct, Wow, as I read it. It's how he signed it.
Speaker 1: Well, it's going to cost you, you know. But if
Speaker 1: you really want this driving, if you really want this
Speaker 1: dying kind of business, you ought to go. And I'm
Speaker 1: just joking there, Charlie, But does anyone go? Does anyone
Speaker 1: go to Driving's anymore? Well, we don't have any around here,
Speaker 1: so I mean I went to where is it, Charlie?
Speaker 1: Where is it?
Speaker 12: It's on the western slope.
Speaker 1: I mean, Mark, if you can sit at home with Netflix,
Speaker 1: I just don't understand the drive of.
Speaker 4: Okay, I'll tell you. When our kids were younger, it's
Speaker 4: still a blast man.
Speaker 5: So you go up there.
Speaker 1: Usually you tune in of course I am REFM Radio.
Speaker 4: And then behind the screen they have all the arcade
Speaker 4: games in some of these, and then you know, you
Speaker 4: walk up to the concession stand. You got the Hamburger's
Speaker 4: hot dogs. You put the blanket out front. When the
Speaker 4: kids were little, I thought it was really cool.
Speaker 1: Actually that brings back good memory.
Speaker 20: It take it and to take it a step further, guys,
Speaker 20: we're going to be adding a stage to the front
Speaker 20: of the screen. So we're going to be bringing in
Speaker 20: actual like comedians and music.
Speaker 1: I love it.
Speaker 12: The screen allows it's a venue, so it's it's an
Speaker 12: entertainment venue.
Speaker 5: I think it sounds really cool.
Speaker 1: You need to hold these guys to the contract.
Speaker 4: If it's a good business man, you really should.
Speaker 1: Was it a good price.
Speaker 12: To sixty five twelve acres?
Speaker 4: And if you think about wait a minute's put some
Speaker 4: sixty five twelve acres the screen building an equipment. It's
Speaker 4: western slope, tom yep, So listen, it's did he get
Speaker 4: wind of what you want to do?
Speaker 1: And is he gonna probably steal your idea?
Speaker 12: I think that's part of it.
Speaker 1: Uh oh, you should call brad Man.
Speaker 4: Put up you know it, put up some bucks man,
Speaker 4: pony up and get this thing handled. And ultimately that
Speaker 4: guy should end up paying the attorney's fees.
Speaker 1: Honestly. By the way, well it's not built in though. Hey,
Speaker 1: I want to ask you something. Oh wait, wait wait,
Speaker 1: what does it say there?
Speaker 12: Attorney fees the prevailing party in any legal proceeds brought
Speaker 12: under with respect to this transaction described in this contract
Speaker 12: as recovery from the non prevailing party.
Speaker 1: Also, hold on, bro, you got it, you man. You
Speaker 1: if that guy, if that guy made up that contract,
Speaker 1: he did not do a good job.
Speaker 4: Well, Charlie, here's what I would do, honestly, Man, send
Speaker 4: that contract, call up O'Brien, just talk to him, pay
Speaker 4: him a few bucks to look over the contract and
Speaker 4: give you a really good idea how he thinks if
Speaker 4: you're going to win or lose, and if you're going
Speaker 4: to get attorney's fees or not, have him at least
Speaker 4: evaluate the case.
Speaker 1: And if he'll go over there, if he'll handle it
Speaker 1: over there.
Speaker 12: I mean, hey, Tom, can you do yeah favor?
Speaker 1: Yeah?
Speaker 12: Can you go ahead and give me his number? One time?
Speaker 12: One more time on the air there.
Speaker 1: Sure it's ols OLS the website oslaw dot com and
Speaker 1: it's seven two zero three seven zero seven three eight eight.
Speaker 1: And remember it's it's remote. I don't know if he
Speaker 1: goes there, he might, he might, he might, Bennett, What
Speaker 1: is your comment? Go ahead, Bennett? What's going on?
Speaker 2: Hey?
Speaker 12: Tom?
Speaker 14: I think I called you earlier. I was having furnace problems, right,
Speaker 14: and I got a hold of twenty four to seven
Speaker 14: and they came out today from Aurora and they inspected
Speaker 14: the job and they said there couldn't be a better
Speaker 14: furnace company. They said everything is top and their prices
Speaker 14: were absolutely great.
Speaker 1: Well, I'm so happy you loved him. Bennett. Thank you.
Speaker 1: That's very good to hear. Man, very good to hear.
Speaker 1: Thank you. You didn't tell me about the inspector. That's
Speaker 1: good to know.
Speaker 14: Yeah, that's he was really impressed with the work.
Speaker 1: Well, thank you for letting us know. Three oh three
Speaker 1: seven one three talks seven to one three eight two five.
Speaker 4: Mark, I think we're going to use that. I'm having
Speaker 4: dragon cliped at. I'd like to use that next time
Speaker 4: you cut a spot for a fix it or recorded.
Speaker 1: Let's embed that. I'll send it to you. Oh I
Speaker 1: love it. Yeah, that's really good. Thank you. Okay, So
Speaker 1: I want to talk about this text I got and
Speaker 1: people you can text my Google number seven four seven
Speaker 1: nine fifty two eighty seven four seven nine nine nine
Speaker 1: fifty eighty Brian Compass Insurance Group. It says here, I'm
Speaker 1: being told by my insurance every time I use even
Speaker 1: roadside assistance or glass coverage, it's a claim and it's
Speaker 1: going to bump up my premiums.
Speaker 5: Well that's there's a little bit of truth to it.
Speaker 5: So they do show up as claims. They're not chargeable claims,
Speaker 5: but they can affect your ability when you go to
Speaker 5: a new carrier.
Speaker 1: So that's what happened to me.
Speaker 5: Yeah, you go to another carrier even though you have
Speaker 5: a bunch of glass claims or toe claims that aren't
Speaker 5: surcharged on your current policy, the new company can underwrite
Speaker 5: against it. In other words, they're not changing their premium,
Speaker 5: but they can just decline to want to write insurance
Speaker 5: for you.
Speaker 1: Okay, all right, so it doesn't. It doesn't if you
Speaker 1: stay where you are, it's not going to hurt you.
Speaker 5: Yeah, they can't. They're not filed by the state to
Speaker 5: be able to charge. There are a lot of stakes.
Speaker 1: Can you go into a high risk pool because of windshields?
Speaker 5: No, What I'm saying is that you can if you're
Speaker 5: trying to find new insurance. Other carriers look at those,
Speaker 5: but they don't surcharge for them. So you're not going
Speaker 5: to a high risk pool because unless you're being non
Speaker 5: renewed for some other reason on your insurance, it is
Speaker 5: a factor whenever I'm trying to find new insurance for somebody.
Speaker 4: It's really crazy because if you really think of glass
Speaker 4: on some of these vehicles, I mean, it's nothing. I
Speaker 4: think my Tesla glass was two grand yeah, it costs
Speaker 4: me zero. I think I'm the Genesis. It was over
Speaker 4: one thousand.
Speaker 1: So, Brian, what are the deductibles on those? Don't they
Speaker 1: have the low deductible?
Speaker 5: No, So some carriers offer a separate deductible for glass.
Speaker 5: So you know, you could have a thousand deductible for
Speaker 5: comprehensive but then have this glass endorsement that lowers it
Speaker 5: to zero. Or some carriers it's fifty bucks, some it's
Speaker 5: a hundred bucks, but not everybody buys that, and not everybody.
Speaker 1: How much is the how much is the windshield coverage
Speaker 1: that lowers the deductible?
Speaker 5: It depends on the vehicle. To Mark's point, if you
Speaker 5: were to get a Tesla and you want full glass,
Speaker 5: you're going to see that it's it's going to cost
Speaker 5: some money to do that.
Speaker 4: More than.
Speaker 5: Yeah, let's say it could be one hundred and fifty
Speaker 5: bucks for the year, for the year.
Speaker 1: Grand Yeah, but think about that one hundred and fifty
Speaker 1: bucks for the year if you buy it at a
Speaker 1: car dealership when you get your car, yeah, they charge
Speaker 1: you something like twenty five hundred dollars.
Speaker 5: Right, No, it's it's a way better deal to do
Speaker 5: it through your insurance.
Speaker 1: You know, so twenty five hundred. Of course they're going
Speaker 1: to say that's for the four or five years. It's
Speaker 1: financeer the three years, but there's also a deductible. It's
Speaker 1: the worst coverage you can find.
Speaker 5: Yeah.
Speaker 4: Yeah, But the nice part about glass coverage too is
Speaker 4: well it's not happening yet, but what should happen is
Speaker 4: you can turn it on and off.
Speaker 1: So therefore, if nothing's going to happen. See what's going
Speaker 1: on with you, Pete, you have a question for Compass?
Speaker 1: Go ahead?
Speaker 16: Hey, Tom, Yeah, I just heard you.
Speaker 1: Guys.
Speaker 15: We're talking about insurance.
Speaker 16: So I listened to you all the time. I talked
Speaker 16: to you a few times. Yes, sir, I just recently
Speaker 16: lost my insurance car insurance policies because of my wife
Speaker 16: had a wreck. I had a couple of racks over
Speaker 16: the last three or four years and you know, a
Speaker 16: few things like that, and it just kind of accumulated
Speaker 16: and it's only cancel their insurance and we got new insurance.
Speaker 6: And it's like in.
Speaker 1: Okay, who did you have as your first carrier that
Speaker 1: canceled you?
Speaker 6: Sase go?
Speaker 1: Hey, who do you to you? Tom? Just so you know,
Speaker 1: and who do you have.
Speaker 6: Now all stake.
Speaker 1: Okay, we'll come back and talk about what you do.
Speaker 1: You're considered a high risk, right Are you in regular
Speaker 1: all state or in one of their other companies?
Speaker 5: It's all state indemnity. I guarantee you it's it's their
Speaker 5: high risk portion of their company.
Speaker 1: All right, hold on, we'll come back to talk about that.
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Speaker 1: Time for an insurance check up, free no obligation comparison
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three all three seven
Speaker 1: seven to one help You'll think you're his only customer
Speaker 1: when you choose Frank durand the real estate Man dot
Speaker 1: com to list your home with Remax Alliance three all
Speaker 1: three nine two zero sixteen twenty two. Hi Tom Martine,
Speaker 1: your trouble shooter. Three oh three seven one three talk
Speaker 1: seven one three eight two five five. So Pete, let's continue.
Speaker 1: You were put into a high risk. How much you paying? Yes,
Speaker 1: how much you paying?
Speaker 11: Oh wow?
Speaker 16: It went up to seven thousand and forty four dollars
Speaker 16: every six months?
Speaker 1: Oh wow? For how many cars?
Speaker 13: Uh?
Speaker 12: Well, I have four. Have had a a workvan that
Speaker 12: I drive.
Speaker 16: I'm a plumbing contractor that my wife has Nissan Morano,
Speaker 16: have a Ford truck that pulls our campers and stuff
Speaker 16: that sits pretty much nine percent of the time. And
Speaker 16: then I have a classic car ye in the garage.
Speaker 5: And you have two accidents. Pete, you have two accidents
Speaker 5: and your wife has one.
Speaker 16: Yeah. Over the years, are the payoffs on the deal?
Speaker 16: My insurance age you sent me, uh for hers was
Speaker 16: a she Rectord Morano total it and her all her
Speaker 16: payouts were like for the last three or four years
Speaker 16: was twenty thousand dollars. Mine was eight thousand dollars for
Speaker 16: just a couple of Finder benders.
Speaker 15: You know.
Speaker 16: Uh, then you know the tickets we got with them,
Speaker 16: you know the recks. Either neither her and I have
Speaker 16: ever had a du on Our Lives. She's fifty five,
Speaker 16: I'm sixty five.
Speaker 5: Yeah, and uh, you know, I just I just thought
Speaker 5: that was that seems high. It does seem high. I mean,
Speaker 5: I can understand you're going to be paying more for
Speaker 5: your insurance. Really, the insurance companies look, depending on the carriers,
Speaker 5: between three and five years a lot of most of
Speaker 5: our five year experience period. So you could have you know,
Speaker 5: eight tickets or eight accidents in year six or seven
Speaker 5: and not get charged for it. But if it's within
Speaker 5: that five years, you're going to get hit.
Speaker 1: I didn't ask this far, but all right, maybe I
Speaker 1: missed it. But did he have a DUI on there
Speaker 1: or no?
Speaker 5: No, no, he just had a couple of accidents and
Speaker 5: she has an accident.
Speaker 16: Just yeah, yeah, we've never read a d Our Lives,
Speaker 16: you know, and we're very careful. Just you know, we're
Speaker 16: getting older on and stuff happens. Yeah, I mean, the
Speaker 16: accidents happened. But I know people that have had DUIs
Speaker 16: and aren't paying half of what I'm paying. I'm like,
Speaker 16: how is that even possible?
Speaker 5: Well, I'd be happy to look at it, Pete and
Speaker 5: see if if what you're getting is is well worth
Speaker 5: you know, is overcharging you.
Speaker 16: Yeah, I'd like to do that, you know.
Speaker 12: All right, So how would we do that?
Speaker 16: Just call it one of your offices and.
Speaker 5: Yep, just call our office that three oh three nine
Speaker 5: ninety six, nine thousand. We'll get the current declaration page
Speaker 5: from your all state policy.
Speaker 6: Uh.
Speaker 5: And then just a driver list so you and your
Speaker 5: wife's names data burst driver's license.
Speaker 8: Okay.
Speaker 16: And so having an agent like that is what's that add?
Speaker 5: No no extra charge we get paid for the insurance company.
Speaker 1: See, that's the biggest that's a big fallacy when people
Speaker 1: believe that you don't add anything like that.
Speaker 5: Now, if you have an all state price and we
Speaker 5: got an all state price, they'd be the same price,
Speaker 5: but you would have the agent to be able to
Speaker 5: do the work for you. So you're not charged anything
Speaker 5: extra for it.
Speaker 16: Okay, Because I have a risk management partners now, they've
Speaker 16: been my agents forever. We have our house with them
Speaker 16: and everything, my business insurance and everything.
Speaker 5: Well, and maybe they shopped around. They're a broker, it
Speaker 5: sounds like, so maybe they already looked and that was
Speaker 5: the best they could find. I can't answer that, but.
Speaker 16: Okay, all right, I will give you call thanks you guys, Yeah,
Speaker 16: thank you.
Speaker 1: Don't forget. Compass Insurance can be reached at three oh
Speaker 1: three nine nine six nine thousand, and you can get
Speaker 1: us of course at three L three Martino three oh
Speaker 1: three six two seven eight four sixty six, or you
Speaker 1: can of course, always go to referrals dot com for help,
Speaker 1: information and referrals
Speaker 13: As