WEBVTT 1 00:00:00.280 --> 00:00:10.279 Yeah, ripped news, you need advice? Who you don't have? 2 00:00:12.519 --> 00:00:14.880 Come running just as fast as we can. 3 00:00:15.839 --> 00:00:18.160 Shooter's gonna help. Come. 4 00:00:18.760 --> 00:00:24.440 Man, this is the Troubleshooter Show now, Tom Martinez. 5 00:00:28.320 --> 00:00:30.879 Show three oh three seven one three talk seven one 6 00:00:30.920 --> 00:00:34.399 three eight two five five here to help you solve problems, 7 00:00:35.039 --> 00:00:38.799 answer questions, and take complaints. As you see, we're transitioning 8 00:00:38.880 --> 00:00:43.640 with our uh you know our stuff. We're transitioning from 9 00:00:43.679 --> 00:00:46.280 YouTube uh what we used to do, to a new 10 00:00:46.359 --> 00:00:48.840 kind of system. So bear with us. We are here 11 00:00:48.840 --> 00:00:53.159 to help you any way we can. And it's still hey, 12 00:00:53.479 --> 00:00:57.200 gets to stop that I have it. As it turns out, 13 00:00:57.240 --> 00:01:00.119 I have the best system in the world. But I 14 00:01:00.159 --> 00:01:02.560 don't know why that just happened. Let me just do this. Sorry, 15 00:01:03.280 --> 00:01:07.400 somehow I'm going nuts here. But people, here's what I'm saying. 16 00:01:07.519 --> 00:01:09.319 We're gonna have some growing pains, but it's gonna be 17 00:01:09.400 --> 00:01:11.680 much better. And then I'm gonna then Mark will be 18 00:01:11.719 --> 00:01:14.159 included and we'll all be doing it. It'll be wonderful. 19 00:01:14.159 --> 00:01:16.359 Trust me when I tell you, it will be wonderful. 20 00:01:16.719 --> 00:01:19.159 So what is going on in your life? How can 21 00:01:19.200 --> 00:01:23.439 we help you? And I will tell you. We will 22 00:01:24.680 --> 00:01:33.159 talk now about insurance. I think insurance has become a major, major, 23 00:01:33.319 --> 00:01:37.400 major deal in our lives. I think Brian will tell 24 00:01:37.439 --> 00:01:39.959 you that, Brian burns Compass insurance. 25 00:01:40.040 --> 00:01:43.040 It's become a major freaking expense in our lives. 26 00:01:44.079 --> 00:01:49.840 I would never believe that for a few cars and 27 00:01:49.920 --> 00:01:55.200 a house, Brian. I mean, you know, Mark loves talking 28 00:01:55.200 --> 00:01:58.959 about this, but we don't mind. What are families pay? 29 00:01:59.040 --> 00:02:01.640 What am I paying? Don't know? Fifteen grand? I don't 30 00:02:01.640 --> 00:02:05.239 know your's is cheap? Then Marvel Mark, you guys had 31 00:02:05.319 --> 00:02:12.240 some unfortunate any accidents and he claims nothing while you're 32 00:02:12.280 --> 00:02:19.800 out in the country. Brian, what are families paying with kids, houses? Cars? 33 00:02:20.039 --> 00:02:23.039 Well, if you have teen drivers, excuse that obviously. But 34 00:02:23.120 --> 00:02:26.520 let's just say, you know, two drivers, two cars, and 35 00:02:26.560 --> 00:02:29.719 a house. I would say the average premium people are 36 00:02:29.719 --> 00:02:33.080 paying is is north of five thousand a year for sure. 37 00:02:35.560 --> 00:02:42.759 Well, I'm telling you it's unbelievable. Unbelievable. Now, along with 38 00:02:42.800 --> 00:02:45.240 you guys, I believe we have Deputy Dollar and Chopper 39 00:02:46.719 --> 00:02:51.360 and and so what we want to do is solve 40 00:02:51.400 --> 00:02:53.919 some problems. We're going to start out with Michael has 41 00:02:53.960 --> 00:02:57.879 an issue with a computer, and as I said, we've 42 00:02:57.919 --> 00:02:59.800 had our issues. The computer's Mark, I don't know if 43 00:02:59.800 --> 00:03:01.759 you want me to dump that laptop. I don't know. 44 00:03:01.800 --> 00:03:04.080 I mean, I have it sitting over there and it's 45 00:03:04.120 --> 00:03:06.879 like a boat. It still convinced it works perfectly. But 46 00:03:07.080 --> 00:03:10.879 keep it there. You're full of crap. It doesn't work 47 00:03:10.919 --> 00:03:14.879 perfect he Mark is convinced that I cause all the 48 00:03:14.919 --> 00:03:20.199 problems we have. Technically. He's convinced that that so is Shannon. 49 00:03:20.560 --> 00:03:23.919 And I don't know how this happened, but I swear 50 00:03:23.960 --> 00:03:27.240 to you. Things do break with me. They they do, 51 00:03:27.319 --> 00:03:30.840 but I don't know why. Anyway, Michael, what's going on 52 00:03:30.879 --> 00:03:31.199 with you? 53 00:03:32.360 --> 00:03:36.080 Well, I'll start out first telling you when it computer 54 00:03:36.199 --> 00:03:40.840 and dumb as a rock, so I called you. I 55 00:03:40.879 --> 00:03:44.719 got a new HP computer, then using it. The only 56 00:03:44.800 --> 00:03:48.159 thing I use it for is my banking. But now 57 00:03:48.680 --> 00:03:50.919 when I turn it on, it says I'm locked out, 58 00:03:51.800 --> 00:03:54.319 and on the bottom it said call Microsoft. 59 00:03:55.639 --> 00:03:58.439 No no no, no, no, no no no, no, that's's 60 00:03:59.719 --> 00:04:01.960 that's a virus. That's a virus. 61 00:04:02.479 --> 00:04:04.360 I've been listening to you for years, and. 62 00:04:04.479 --> 00:04:08.199 Thank you, thank you for not losing your life savings. 63 00:04:08.800 --> 00:04:11.280 Do you know how many people lose their life savings. 64 00:04:11.400 --> 00:04:14.000 There's a few things going on right now. One is 65 00:04:14.039 --> 00:04:18.199 that where you're locked out, So go to a local store, 66 00:04:18.319 --> 00:04:21.399 like you know, just go to a local store, a 67 00:04:21.519 --> 00:04:25.040 microcenter or something who are best buy, But do not 68 00:04:25.319 --> 00:04:29.279 call any of those numbers being locked out of your computer, 69 00:04:30.319 --> 00:04:35.040 or or saying that you know, good warning, you know 70 00:04:35.160 --> 00:04:38.639 you've been infected and all of that. That's going to 71 00:04:38.720 --> 00:04:40.720 be a way for them to get you to call. 72 00:04:40.800 --> 00:04:42.480 And then they're going to get on your computer and 73 00:04:42.519 --> 00:04:46.000 steal your stuff. The next thing they the next thing 74 00:04:46.079 --> 00:04:49.120 they do, and they did this recently, took two hundred 75 00:04:49.120 --> 00:04:52.000 grand from a senior citizen. I'm not kidding you. They 76 00:04:52.040 --> 00:04:54.920 told him that his computer and in fact we had 77 00:04:54.959 --> 00:04:57.480 a call here. This was not the call, but we 78 00:04:57.519 --> 00:05:00.920 did have a call previously too, and he'll lost I 79 00:05:00.959 --> 00:05:03.800 say only, but he lost his life savings twenty some thousand. 80 00:05:04.360 --> 00:05:07.279 But they say your computer's being used for illegal purposes 81 00:05:08.319 --> 00:05:11.319 and you have to cooperate or your mail, you have 82 00:05:11.360 --> 00:05:15.079 to prove it's not you. And then they make you, 83 00:05:15.120 --> 00:05:19.079 not make you, they have you do stupid things like 84 00:05:19.319 --> 00:05:21.319 share things with them, go out and get your bank 85 00:05:21.319 --> 00:05:26.759 account withdraw money, all of that. So I'm so happy 86 00:05:26.800 --> 00:05:32.319 you called us. How old. Is this HP computer about 87 00:05:33.160 --> 00:05:36.600 two old? Oh? Okay, so Mark can't blame me for 88 00:05:36.680 --> 00:05:39.480 doing this since you had it, it's not mine. But 89 00:05:40.560 --> 00:05:43.759 tell me when this happened. Were you surfing one day 90 00:05:43.759 --> 00:05:46.600 and it locked up? Or were you did you just 91 00:05:46.680 --> 00:05:48.199 turn it on one day and it happened. 92 00:05:48.279 --> 00:05:50.439 I turned it on and it was already locked up. 93 00:05:50.920 --> 00:05:53.680 Okay? Do you log in with on an email? He 94 00:05:53.800 --> 00:05:56.920 just had he somehow? He was I right? Do you 95 00:05:57.000 --> 00:06:02.720 log in? Do you log in with a password? 96 00:06:04.839 --> 00:06:05.759 Yes? 97 00:06:06.319 --> 00:06:09.639 You do? And did you put my computer with Did 98 00:06:09.639 --> 00:06:13.639 it say you had the wrong password? No? What does 99 00:06:13.680 --> 00:06:14.600 it say exactly? 100 00:06:16.240 --> 00:06:19.680 Well, it's my password just to get onto my computer, 101 00:06:19.920 --> 00:06:21.399 to start my computer. 102 00:06:21.319 --> 00:06:23.680 I know. But can you enter that? Does it accept 103 00:06:23.680 --> 00:06:33.399 your password? Yes? Okay? And then then what happens? Yeah? 104 00:06:33.480 --> 00:06:35.319 I just want to know what happens, because if your 105 00:06:35.360 --> 00:06:38.560 password is working, which it should, you're going to be 106 00:06:38.560 --> 00:06:41.759 getting into your computer. And then you show the lock up, right. 107 00:06:42.319 --> 00:06:44.319 Right, And I'm a computer and that's. 108 00:06:45.240 --> 00:06:50.040 Right, But but that's after you log into your computer, right, Okay? 109 00:06:50.279 --> 00:06:54.480 Got it? Now? Did you try powering down your. 110 00:06:54.319 --> 00:07:01.319 Computer by just shutting it off? 111 00:07:02.000 --> 00:07:04.480 Not just shutting it off, but literally like yeah, but 112 00:07:04.639 --> 00:07:08.639 not sleeping it, but turning it off and restarting it. 113 00:07:11.480 --> 00:07:13.680 The only way I turn it off is just close 114 00:07:13.800 --> 00:07:14.199 the lid. 115 00:07:14.680 --> 00:07:21.120 No, that's not turning it off. You have a power switch, right, No, yeah, you. 116 00:07:21.480 --> 00:07:23.720 Don't have a button I pushed to log hands or 117 00:07:23.879 --> 00:07:24.519 just start it. 118 00:07:24.800 --> 00:07:27.879 Okay, that's what I mean. That button. Hold down for 119 00:07:27.959 --> 00:07:32.399 ten seconds. It should turn off completely, and then I'm 120 00:07:32.399 --> 00:07:34.000 going to put you on hold for a minute. I 121 00:07:34.040 --> 00:07:36.560 want you to recycle that computer. That'll get you out 122 00:07:36.560 --> 00:07:39.639 of sometimes some of those, sometimes not. Sometimes I put 123 00:07:39.680 --> 00:07:41.839 a little bug in there. But just hold on and 124 00:07:41.879 --> 00:07:46.800 do that. Okay, hold the power switch, yep, and make 125 00:07:46.839 --> 00:07:49.519 it go dark to where you open and close it, 126 00:07:50.240 --> 00:07:52.720 and you press that button and it starts up all 127 00:07:52.720 --> 00:07:55.360 over again, because normally when you open the lid and 128 00:07:55.399 --> 00:08:00.399 press the button, it instantly lights up. Right yeah, that's 129 00:08:00.439 --> 00:08:03.399 because it's never turned off. You want to turn it 130 00:08:03.480 --> 00:08:09.360 completely off, and so usually a few seconds everything goes dark, 131 00:08:09.480 --> 00:08:12.439 little lights on the front whatever. Then you restart, press 132 00:08:12.480 --> 00:08:15.319 the button again and it goes through the starting sequence 133 00:08:15.399 --> 00:08:17.439 like Windows starts up. In all of that. That is 134 00:08:17.480 --> 00:08:20.279 a Windows computer, right HP, of course, So hold on 135 00:08:20.759 --> 00:08:23.160 and we'll come back to you. But recycle that computer 136 00:08:23.560 --> 00:08:25.920 and I'll bet you you're not locked out. Sometimes it 137 00:08:26.040 --> 00:08:28.759 survives a boot and it's a little worm in your computer. 138 00:08:28.879 --> 00:08:31.720 But we'll see. William wants to talk about something else. 139 00:08:32.320 --> 00:08:36.200 Go ahead, A twenty twenty four four two fifty super 140 00:08:36.240 --> 00:08:41.159 diesel Diesel. What a freaking monster of a truck. Brother, 141 00:08:41.440 --> 00:08:42.960 What is happening with it? Will you? 142 00:08:45.879 --> 00:08:49.080 It's been in and out of the four dealership three 143 00:08:49.240 --> 00:08:51.240 different times for three different things. 144 00:08:51.440 --> 00:08:54.399 Happened, three different things. When did you buy it? 145 00:08:55.600 --> 00:09:01.000 I bought it exactly not two months ago and it 146 00:09:01.080 --> 00:09:03.639 had ten ten miles on it. It was brand new. 147 00:09:05.919 --> 00:09:12.000 Okay, well and tell me what, tell me what happened? 148 00:09:12.039 --> 00:09:14.720 I mean, like with the different things, are they serious? 149 00:09:14.759 --> 00:09:15.279 What are they? 150 00:09:16.519 --> 00:09:18.960 The first time, so that the very first day I 151 00:09:18.960 --> 00:09:21.600 bought it. The next day the engine light came on, 152 00:09:21.799 --> 00:09:23.519 so I took it back in and I told him 153 00:09:23.519 --> 00:09:26.879 that the engine light came on. They fixed it and 154 00:09:27.039 --> 00:09:31.399 I got it back. The second time, there was a 155 00:09:31.440 --> 00:09:34.080 really loud noise to my steering when I was steering it, 156 00:09:34.120 --> 00:09:37.519 like it was low on power steering fluid, and I 157 00:09:37.559 --> 00:09:39.879 told him about it. They checked it out and they 158 00:09:39.919 --> 00:09:41.960 told me there was nothing wrong. With It was completely normal, 159 00:09:42.000 --> 00:09:45.240 so I kind of just let that go. I was 160 00:09:45.559 --> 00:09:50.960 driving it for a little while and the thing left 161 00:09:50.960 --> 00:09:53.879 me stranded about a mile away from home as I 162 00:09:54.000 --> 00:09:54.600 was going to work. 163 00:09:55.000 --> 00:09:58.000 And when you said left your stranded stranded, what did 164 00:09:58.039 --> 00:09:58.440 it do? 165 00:10:00.120 --> 00:10:03.080 I was making some kind of weird noise underneath. I 166 00:10:03.080 --> 00:10:05.120 can't really explain it. But once I got to the 167 00:10:05.159 --> 00:10:07.759 gas station to shut it off, I went in the 168 00:10:07.799 --> 00:10:09.960 store and came back out. It wouldn't start again. It 169 00:10:10.039 --> 00:10:13.279 was just like the ignition was stuck on and it 170 00:10:13.399 --> 00:10:14.840 just wasn't all right. 171 00:10:14.879 --> 00:10:16.919 Hold on, I'm going to try to get Jeff Thicken 172 00:10:16.960 --> 00:10:20.960 on here about that. Uh so we got uh, We're 173 00:10:21.000 --> 00:10:22.639 gonna get that, and then we're gonna go back to 174 00:10:22.639 --> 00:10:24.720 Michael as well. So you hang on. I'm Tom Martino 175 00:10:24.799 --> 00:10:27.639 three oh three seven one three talk seven one three 176 00:10:27.799 --> 00:10:32.679 eight two five five waterpros dot Net. Now listen, Paul 177 00:10:32.759 --> 00:10:37.000 did this at my urging. They brought back that special. 178 00:10:37.440 --> 00:10:40.360 It was so popular that he's going to do it 179 00:10:40.399 --> 00:10:43.360 again for the holidays. And here's what it is. You 180 00:10:43.399 --> 00:10:48.000 get both listen carefully the softener, both the softener, and 181 00:10:48.759 --> 00:10:53.480 you get the whole reverse osmosis system for drinking both systems. 182 00:10:53.840 --> 00:10:56.120 One just used to cost thirty four ninety five, the 183 00:10:56.159 --> 00:10:58.799 other one was fourteen hundred. Now they're both thirty one 184 00:10:58.919 --> 00:11:01.759 ninety five. This is a This is a no brainer people, 185 00:11:02.360 --> 00:11:04.759 Waterpros dot net three oh three eight six two five 186 00:11:04.879 --> 00:11:12.200 five five four. Go with a sure thing Denver's best 187 00:11:12.279 --> 00:11:15.159 roofer Excel Roofing dot com. You don't pay a cent 188 00:11:15.360 --> 00:11:21.440 until you're content. Time for an insurance check up, free 189 00:11:21.519 --> 00:11:25.559 no obligation comparison call Compass Insurance paying too much your 190 00:11:25.600 --> 00:11:28.519 coverage at dozens of insurance companies find out now three 191 00:11:28.600 --> 00:11:31.120 oh three seven seven to one help. You'll think you're 192 00:11:31.159 --> 00:11:33.679 his only customer when you choose Frank durand the real 193 00:11:33.759 --> 00:11:36.759 estate Man dot com to list your home with Remax 194 00:11:36.799 --> 00:11:39.840 Alliance three oh three nine two zero sixteen twenty two. 195 00:11:43.200 --> 00:11:46.799 Hey Tom Martino here three oh three seven one three 196 00:11:46.879 --> 00:11:49.639 talk three oh three seven one three A two five five. 197 00:11:51.159 --> 00:11:52.679 I want to go back to Michael to see if 198 00:11:52.720 --> 00:11:56.600 you rebooted the computer and got into it. Michael, Yeah, 199 00:11:56.759 --> 00:12:00.879 so did you back on? You didn't do it? Yeah? Yeah, 200 00:12:00.919 --> 00:12:03.320 turn it back on, press the button, let it light up, 201 00:12:03.360 --> 00:12:05.759 and go through the cycle. I'll come back to you so, 202 00:12:05.759 --> 00:12:08.559 so it did turn off though, right, yes, and I 203 00:12:08.679 --> 00:12:11.360 just turned back on good and you see it going 204 00:12:11.399 --> 00:12:13.399 through the windows and all that, like it's starting up 205 00:12:13.440 --> 00:12:16.519 for sure, right yep, All right, hang on there, I'll 206 00:12:16.559 --> 00:12:21.759 go back to William. Hey, William, we do have okay, 207 00:12:22.039 --> 00:12:24.000 so we have Kevin talking on just as good as 208 00:12:24.080 --> 00:12:27.399 Jeff Fick. We have them all. We have good people. Kevin. 209 00:12:27.720 --> 00:12:29.600 This I don't know what the hell's going on with 210 00:12:29.679 --> 00:12:32.799 this diesel truck. I haven't heard a lot of problems 211 00:12:32.840 --> 00:12:35.360 with these super diesels. He has a four twoint fifty 212 00:12:36.120 --> 00:12:41.200 and well do you have. But the way you're describing it, William, 213 00:12:41.240 --> 00:12:44.519 you're having different problems, right, You're not having the same problem. 214 00:12:44.559 --> 00:12:45.639 Is that correct? 215 00:12:46.559 --> 00:12:48.519 Yes, sir, there are three different problems. 216 00:12:48.799 --> 00:12:52.320 Okay, just again describe them to him quickly. Not what 217 00:12:52.360 --> 00:12:54.840 you think it is, not what you were told it is, 218 00:12:55.200 --> 00:12:57.120 but the symptoms. 219 00:12:58.519 --> 00:13:01.240 It sounded like the star was stuck on or something, 220 00:13:01.279 --> 00:13:06.279 and it was just what does that mean? Like it 221 00:13:06.440 --> 00:13:09.519 just kind of a yeah, just kept cranking over but 222 00:13:09.559 --> 00:13:11.480 it wouldn't start, Okay. 223 00:13:11.519 --> 00:13:14.080 But when you said stuck, I mean you could turn 224 00:13:14.159 --> 00:13:16.200 that off or did you? Did it keep just going 225 00:13:16.279 --> 00:13:17.200 run round? Around round. 226 00:13:18.120 --> 00:13:18.879 I turned it off. 227 00:13:19.200 --> 00:13:22.879 Okay, So but when you turn it on, it just 228 00:13:23.000 --> 00:13:24.840 cranks and doesn't start. Is that right? 229 00:13:25.720 --> 00:13:26.120 Correct? 230 00:13:26.320 --> 00:13:28.200 That could be as simple as bad fuel. I mean, 231 00:13:28.679 --> 00:13:31.120 you know on those diesels, but number of things. Yeah, yeah, 232 00:13:31.200 --> 00:13:31.679 it's okay. 233 00:13:31.759 --> 00:13:34.120 Glow plug like cycle normally when you turn you know, 234 00:13:34.200 --> 00:13:36.360 when you first get into the glow plug like come on, 235 00:13:36.600 --> 00:13:37.320 you know, the weight light. 236 00:13:38.600 --> 00:13:40.440 The newer ones they said that you didn't have to 237 00:13:40.440 --> 00:13:42.320 wait for anything. They didn't have glow pluggs and they 238 00:13:43.000 --> 00:13:43.360 did it. 239 00:13:43.399 --> 00:13:45.879 Did it start? Yeah, because they spark them right, not 240 00:13:46.000 --> 00:13:49.120 spark like a spark plug, but they're they're they're heated. 241 00:13:49.240 --> 00:13:50.320 Yeah. 242 00:13:50.440 --> 00:13:52.679 Let me ask you something on the hard start, does 243 00:13:52.679 --> 00:14:00.320 it eventually start? Yep? Okay, Then what's your next You 244 00:14:00.360 --> 00:14:01.399 said three problems? 245 00:14:03.039 --> 00:14:05.639 The gas senser made the engine light come on the 246 00:14:05.720 --> 00:14:08.159 very first time. They had a lead. 247 00:14:09.039 --> 00:14:11.759 So but that is that something that's gone. I just 248 00:14:11.799 --> 00:14:13.879 want to know about the nagging problems. 249 00:14:16.840 --> 00:14:19.639 The engine light was on the next day I bought it, 250 00:14:19.720 --> 00:14:21.080 so I took it in and they told me it 251 00:14:21.120 --> 00:14:23.679 was a gas answer that went out. And then I 252 00:14:23.720 --> 00:14:26.200 got my truck back and everything was fixed and everything 253 00:14:26.279 --> 00:14:30.120 was going good. And then I was telling you about 254 00:14:30.159 --> 00:14:32.720 that time I went to work and it wentn't start. 255 00:14:33.559 --> 00:14:37.360 But the engine light problem with the gag sensor was corrected, right. 256 00:14:38.000 --> 00:14:40.159 Yeah, I was corrected the first time, yes, sir. 257 00:14:40.519 --> 00:14:44.159 Okay, nine okay, So while that's a pain in the ass, 258 00:14:44.240 --> 00:14:47.399 it was corrected. It's minor. The other one was cranking 259 00:14:47.440 --> 00:14:50.000 a lot that has not been corrected. And then the 260 00:14:50.000 --> 00:14:52.679 one where you got stuck. What was that one? 261 00:14:53.519 --> 00:14:55.799 That one it's still in the shop there. It's a 262 00:14:55.840 --> 00:14:57.679 fuel thing. I guess it's in the fuel system. 263 00:14:57.679 --> 00:15:00.159 They told me. Is that the same problem? Okay? Is 264 00:15:00.200 --> 00:15:05.200 that basically the same problem as the hard starting? Uh? That? 265 00:15:05.360 --> 00:15:08.200 I don't know. It's it's a different issue from the 266 00:15:08.240 --> 00:15:08.759 first time. 267 00:15:08.879 --> 00:15:11.200 And then but they're probably related, wouldn't you say, Kevin? 268 00:15:11.240 --> 00:15:13.320 I mean that did believe they would. 269 00:15:13.120 --> 00:15:14.840 Be yees, yeah, that's two coincidental. 270 00:15:16.720 --> 00:15:20.480 So what what when they say fuel delivery? What happened 271 00:15:20.679 --> 00:15:26.679 that you had to call them? What happened? What happened? 272 00:15:28.679 --> 00:15:31.240 Well, when I took it back to for dealership. 273 00:15:31.120 --> 00:15:33.279 No, why did you take it back? How did you 274 00:15:33.320 --> 00:15:36.159 get stuck? Literally? How did you get stuck? 275 00:15:36.240 --> 00:15:38.240 I was going to work and it just wouldn't start. 276 00:15:38.279 --> 00:15:40.399 I stopped at the gas station and went out started to. 277 00:15:40.399 --> 00:15:42.519 Go, Okay, so it is the same It is the 278 00:15:42.559 --> 00:15:45.279 same crank. You said you had various problems. This is 279 00:15:45.320 --> 00:15:47.840 the same problem. 280 00:15:48.039 --> 00:15:50.159 I guess it is. It's a fuel gas, it's a 281 00:15:50.200 --> 00:15:52.200 gas answer, so I guess, well, okay. 282 00:15:51.919 --> 00:15:54.759 It's the same problem. Okay, So, so are are they 283 00:15:54.759 --> 00:15:56.080 making any headway with this? 284 00:15:57.360 --> 00:15:57.720 They're not. 285 00:15:57.799 --> 00:15:59.600 They're actually leaving me out of the loop. That's why 286 00:15:59.600 --> 00:16:00.600 I'm a little frustrated. 287 00:16:00.679 --> 00:16:02.399 Okay, is it in the shop right now? 288 00:16:03.200 --> 00:16:05.240 Yes, it is. It's been in there for a couple 289 00:16:05.279 --> 00:16:05.639 of weeks. 290 00:16:05.639 --> 00:16:08.799 Now I want okay, I want, uh, I want one 291 00:16:08.799 --> 00:16:11.440 of our guys to call what do you think it is? Kevin? 292 00:16:12.879 --> 00:16:14.639 You know, hard to say. I mean, if they're taking 293 00:16:14.639 --> 00:16:17.080 two weeks to figure it out, it's obviously not something simple. 294 00:16:17.120 --> 00:16:18.679 But yeah, it's all the same problem. 295 00:16:18.799 --> 00:16:21.919 Either that, either that Kevin, or it's sitting there and 296 00:16:22.000 --> 00:16:24.080 every time a tech gets a chance, he goes over 297 00:16:24.200 --> 00:16:27.120 and instead is working on the stuff that's bringing in money. 298 00:16:27.360 --> 00:16:28.559 I mean, that's a reality. 299 00:16:29.440 --> 00:16:31.559 If possible, it may be starting for him too. 300 00:16:33.759 --> 00:16:38.799 Okay, here, let's have Chopper call over there. Okay, Sometimes 301 00:16:38.840 --> 00:16:41.600 just when we start inquiring, they at least put some 302 00:16:41.679 --> 00:16:44.759 attention to it. So let's at least do that for you. 303 00:16:45.360 --> 00:16:49.840 I call it lighting a fire. Okay, let's let's do it. 304 00:16:49.879 --> 00:16:52.320 I think we can chopper you. You love cars. Let's 305 00:16:52.440 --> 00:16:55.919 let's go over in and see what we can I'll 306 00:16:55.919 --> 00:16:57.600 do it. You not go over, but let's call him 307 00:16:57.639 --> 00:17:01.480 and see what we can do here. Three oh three 308 00:17:01.879 --> 00:17:05.000 seven one three talk three oh three seven to one, 309 00:17:05.119 --> 00:17:09.039 three eight two five five back to Michael now. And 310 00:17:09.119 --> 00:17:11.640 by the way, uh, give us a call if you 311 00:17:11.640 --> 00:17:13.640 have a problem. By the way, that's shared at autotech 312 00:17:13.680 --> 00:17:16.519 dot com. Three oh three, four, five, five, seventy two 313 00:17:16.559 --> 00:17:19.880 forty two. And uh, we haven't finished with insurance. We've 314 00:17:19.880 --> 00:17:21.400 got a lot to talk about there. I got a 315 00:17:21.400 --> 00:17:24.119 lot of texts here. People are going nuts with their insurance. 316 00:17:24.119 --> 00:17:27.039 They don't know what to do. Sad fact is, though 317 00:17:27.359 --> 00:17:30.559 sometimes Compass is having the same problem. I mean, they 318 00:17:30.599 --> 00:17:32.839 can look The benefit with them is they can look 319 00:17:32.839 --> 00:17:36.240 at twenty five different companies, so you're not stuck with one. 320 00:17:36.559 --> 00:17:39.680 But the truth is, sometimes you have the best deal 321 00:17:39.720 --> 00:17:42.240 that they can find, so you keep it. But that's 322 00:17:42.279 --> 00:17:47.680 the honest part of the insurance checkup. William excuse me, Michael. 323 00:17:48.240 --> 00:17:52.240 Let's talk about your uh your computer. Did you recycle it? 324 00:17:53.359 --> 00:17:55.720 Yeah? I got it on, so my pig to get on. 325 00:17:56.720 --> 00:18:01.240 Yeah, and oh you didn't do Okay, he was waiting 326 00:18:01.240 --> 00:18:04.799 for me yet it's going. Yeah, let's see if it locks, 327 00:18:04.920 --> 00:18:09.640 if it still says you're locked out, and we'll. 328 00:18:09.440 --> 00:18:17.880 See and uh doesn't look like what sir, I'm not out, 329 00:18:17.920 --> 00:18:21.079 but it went that kind of my Yeah, but I can. 330 00:18:20.960 --> 00:18:21.960 Go to differ. 331 00:18:22.799 --> 00:18:26.319 Here's here's what happened that thing. Many of these things 332 00:18:26.319 --> 00:18:30.240 that lock up your computer do it just while you're on, 333 00:18:30.640 --> 00:18:32.599 while the computer's on. A lot of people think they're 334 00:18:32.599 --> 00:18:34.839 turning their computer off and they're not. But let me 335 00:18:34.880 --> 00:18:38.559 explain another thing to you. That's not to say you're 336 00:18:38.599 --> 00:18:40.279 completely safe. I don't know if you are or not. 337 00:18:40.640 --> 00:18:42.519 Do you do you do you run good malware and 338 00:18:42.599 --> 00:18:44.240 virus fare programs. 339 00:18:45.880 --> 00:18:47.480 I'd never have on this computer. 340 00:18:47.799 --> 00:18:51.039 Well, you probably should. You probably should have sal Windows Defender, 341 00:18:51.079 --> 00:18:53.880 which is the best. Okay, So then make sure Windows 342 00:18:53.880 --> 00:18:59.119 Defender is activated, and then do another thing, just because 343 00:19:00.160 --> 00:19:05.839 you should have two party or two factor authentication for 344 00:19:05.920 --> 00:19:10.400 any accounts that you have. Now, what I love on 345 00:19:10.440 --> 00:19:13.519 my computer is I have a fingerprint pad that I 346 00:19:13.559 --> 00:19:14.160 can touch. 347 00:19:15.039 --> 00:19:16.119 I got one of those two. 348 00:19:16.559 --> 00:19:20.039 Then you should enable it so no one can log 349 00:19:20.079 --> 00:19:24.400 in for you or do or do it where they 350 00:19:24.440 --> 00:19:27.799 have to verify by text or something. Everyone should have 351 00:19:27.839 --> 00:19:33.640 two factor verifications or the new security keys. Security keys 352 00:19:34.000 --> 00:19:39.119 are hardware and I haven't heard of anyone hacking security 353 00:19:39.200 --> 00:19:43.319 keys yet. I'm thinking about getting one. So it would 354 00:19:43.319 --> 00:19:47.960 be a little USB thing you carry and it's encoded 355 00:19:48.319 --> 00:19:54.200 and encrypted and you pop it in. Now what I 356 00:19:54.200 --> 00:19:57.839 I'm afraid of is if you just pop so you 357 00:19:58.200 --> 00:20:00.440 use your password and then pop that in. That's your 358 00:20:00.440 --> 00:20:03.839 second verification for those who don't have fingerprints, or if 359 00:20:03.839 --> 00:20:06.480 you're on another computer. Here's the problem with those keys. 360 00:20:06.559 --> 00:20:10.480 I think I think you can probably insert it and 361 00:20:10.519 --> 00:20:13.279 give it to some I think someone can trick you 362 00:20:13.839 --> 00:20:16.720 into inserting it. Possibly, I'm not sure if they can 363 00:20:16.759 --> 00:20:19.640 record it. I don't know that much about it. They're 364 00:20:19.720 --> 00:20:23.160 relatively new, but a lot of people are starting to 365 00:20:23.279 --> 00:20:26.680 use them. They're called security keys, and really it's an 366 00:20:26.680 --> 00:20:31.519 electronic key that goes into your USB. And I haven't 367 00:20:31.640 --> 00:20:34.359 heard about many people being hacked with them, which is 368 00:20:34.400 --> 00:20:39.039 a good thing. So, Michael, due to two party verification. 369 00:20:40.559 --> 00:20:43.200 I don't know about you, guys, but I think I 370 00:20:43.359 --> 00:20:47.920 deserve my own dinger here. I mean I think I do. 371 00:20:48.000 --> 00:20:49.960 I mean, I think I solve that problem right on 372 00:20:50.000 --> 00:20:53.000 the air, and I don't know why my dinger's not working. 373 00:20:53.039 --> 00:20:58.599 There go, we've just heard the last part. Man, Well 374 00:21:00.480 --> 00:21:05.319 hold on, hold on, there we go finally mine god okay. 375 00:21:06.160 --> 00:21:08.920 Three oh three seven one three eight two five five. 376 00:21:10.440 --> 00:21:12.960 I think his problem was when he launches a browser. 377 00:21:13.039 --> 00:21:16.720 But maybe, okay, maybe maybe he does. So you're saying 378 00:21:16.759 --> 00:21:18.799 it could happen again when he launches is did he 379 00:21:18.880 --> 00:21:27.200 hang up? I mark a lot of times, like when 380 00:21:27.240 --> 00:21:29.920 it happens when people shut their computer off turn on 381 00:21:30.000 --> 00:21:33.759 they can browse again. But I don't know. I mean, 382 00:21:33.920 --> 00:21:37.119 who knows. It could be something from chatterbait or something 383 00:21:37.119 --> 00:21:39.839 Who knows? Uh? Three oh three seven one three eight 384 00:21:39.839 --> 00:21:44.759 two five five. Frank Duran, the real estate man can 385 00:21:44.799 --> 00:21:47.440 help you figure out what you're going to get for 386 00:21:47.480 --> 00:21:50.480 your house in this crazy market because he's selling each 387 00:21:50.519 --> 00:21:53.279 and every day more than anyone else, and he can 388 00:21:53.319 --> 00:21:54.880 give you a good idea of what your house will 389 00:21:54.880 --> 00:21:58.039 sell for with no obligation. Three oh three nine two 390 00:21:58.119 --> 00:22:08.640 zero sixteen twenty two. Frank Duran the real Estateman dot com. 391 00:22:08.799 --> 00:22:12.079 Go with a sure thing Denver's best roofer Excel Roofing 392 00:22:12.160 --> 00:22:14.799 dot com. You don't pay a cent until you're content. 393 00:22:18.200 --> 00:22:21.359 Time for an insurance check up free no obligation comparison 394 00:22:21.519 --> 00:22:25.079 call Compass Insurance Paying too much your coverage at dozens 395 00:22:25.079 --> 00:22:27.799 of insurance companies find out now three oh three seven 396 00:22:27.839 --> 00:22:30.160 to seven to one help. You'll think you're his only 397 00:22:30.279 --> 00:22:33.000 customer when you choose Frank durand the real Estateman dot 398 00:22:33.039 --> 00:22:36.359 com to list your home with Remax Alliance three oh 399 00:22:36.400 --> 00:22:46.920 three nine two zero sixteen twenty two. Hi Tom Martino, 400 00:22:47.039 --> 00:22:50.640 your troubleshooter three O three seven one three talks seven 401 00:22:50.720 --> 00:22:53.759 one three eight two five five eight eight eight Heating 402 00:22:53.799 --> 00:22:56.960 dot com. It's the shoulder season. Get them to check 403 00:22:56.960 --> 00:22:59.599 out your furnace and air now honest people, people I 404 00:22:59.640 --> 00:23:05.920 know in trust eight eight eight Heating dot com. Hey, 405 00:23:06.480 --> 00:23:10.720 Mark knows them too, Garrett, good guy. Hey speaking to 406 00:23:10.759 --> 00:23:13.400 good guys. We have Brian Burns. If you look in 407 00:23:13.440 --> 00:23:15.640 the dictionary and or good guy, you see his picture 408 00:23:16.240 --> 00:23:19.279 and uh. The Insurance helps Center dot com. We're doing 409 00:23:19.759 --> 00:23:23.039 insurance checkups and by the way you can do that 410 00:23:23.079 --> 00:23:25.640 without us by calling them directly three h three nine 411 00:23:25.759 --> 00:23:29.279 nine six nine thousand. He'll tell us what he saved people. 412 00:23:29.480 --> 00:23:33.160 During every show, we find people we can save money. However, Brian, 413 00:23:33.359 --> 00:23:35.200 let's be honest about this. It used to be eighty 414 00:23:35.200 --> 00:23:37.319 five percent of the time, and of course you're always 415 00:23:37.319 --> 00:23:40.160 honest eighty five percent at the time you save people money. 416 00:23:41.200 --> 00:23:43.319 It's gotten a little different now, hasn't it. 417 00:23:43.319 --> 00:23:47.079 It has It's hard to find savings. 418 00:23:46.480 --> 00:23:48.160 For a lot of seventy fifty. 419 00:23:48.480 --> 00:23:51.880 Tell me closer, closer to fifty, honestly, Oh no, really, 420 00:23:52.079 --> 00:23:55.119 so fifty telling people to switch cause sometimes we'll find 421 00:23:55.119 --> 00:23:57.119 a savings. But then I'll look at their policy and 422 00:23:57.160 --> 00:23:59.720 they have a lower deductive well they're kind of grandfathered in, 423 00:23:59.759 --> 00:24:03.480 and I'll say, you know, here's the differences, and I'll 424 00:24:03.519 --> 00:24:06.519 tell them, you know what they're giving up by going 425 00:24:06.559 --> 00:24:08.880 with a lower rate, if that's in fact what they're doing, 426 00:24:08.960 --> 00:24:10.880 and then they can make that decision as well. 427 00:24:11.880 --> 00:24:14.000 And if you go to the Insurance Health Center dot com, 428 00:24:14.079 --> 00:24:16.599 hit on a request a quote, and we're going to 429 00:24:16.720 --> 00:24:21.680 change that button to say insurance check up on I'll 430 00:24:21.680 --> 00:24:23.319 be showing you your banner in a little while here 431 00:24:23.359 --> 00:24:25.720 I made for you. I think I think people want 432 00:24:25.759 --> 00:24:27.839 to know if they're paying too much, have a good deal, 433 00:24:28.000 --> 00:24:29.359 or what I mean, if they have a great deal, 434 00:24:29.400 --> 00:24:33.799 they want to know that too. Hey, shay Lee, let's 435 00:24:33.839 --> 00:24:39.440 talk about this. This is happening a lot vehicles, campers, boats. 436 00:24:39.839 --> 00:24:43.559 I heard the other day comps don't And I mean, 437 00:24:43.599 --> 00:24:46.200 how can you blame them? They don't bother, They don't 438 00:24:46.200 --> 00:24:49.960 even bother looking they take a report with a camper 439 00:24:50.319 --> 00:24:53.359 with a boat. We've even had people call police and say, hey, 440 00:24:53.359 --> 00:24:56.599 I saw my boat. It's over, you know, in another neighborhood, 441 00:24:56.680 --> 00:25:00.119 and no one does anything. It's so frustrating. But I 442 00:25:00.119 --> 00:25:01.680 don't know if I can blame the police, you know, 443 00:25:01.759 --> 00:25:06.559 I don't know. Maybe maybe they have their hands full one, 444 00:25:07.359 --> 00:25:09.279 you know. Anyway, what's going on with you, Shayey? 445 00:25:10.119 --> 00:25:13.480 Yeah, So I have a travel trailer that you know, 446 00:25:13.599 --> 00:25:14.599 I wasn't using. 447 00:25:14.759 --> 00:25:16.039 I still owe on it. 448 00:25:17.240 --> 00:25:23.000 I decided to go ahead and essentially let somebody purchase 449 00:25:23.039 --> 00:25:24.519 it with payments and. 450 00:25:24.680 --> 00:25:29.480 Oh but you still owe money on it. You broke 451 00:25:29.519 --> 00:25:30.200 your agreement. 452 00:25:32.200 --> 00:25:34.960 So yeah, I still owe money on it. And the 453 00:25:35.279 --> 00:25:38.039 credit Union they knew that I was I was going 454 00:25:38.119 --> 00:25:39.680 to sell it to somebody on payments. 455 00:25:40.319 --> 00:25:42.640 Well, hold on, hold on, what do you mean they 456 00:25:42.680 --> 00:25:43.400 how did they know? 457 00:25:44.680 --> 00:25:44.839 Oh? 458 00:25:44.839 --> 00:25:45.480 I told them. 459 00:25:45.960 --> 00:25:47.599 I flat out told them what I was doing. 460 00:25:49.200 --> 00:25:52.079 Well, that's weird because they would have called that do. 461 00:25:52.559 --> 00:25:55.920 You probably didn't call someone who actually cared, but if 462 00:25:55.960 --> 00:25:57.960 they would have called that note, they would have called 463 00:25:57.960 --> 00:25:59.680 the note do. I mean it's due on sale. But 464 00:25:59.720 --> 00:26:02.119 any way, let's continue that. We still want to try 465 00:26:02.119 --> 00:26:04.279 to help you here. So you sold it to someone 466 00:26:04.319 --> 00:26:07.519 on installments even though you you still owed What did 467 00:26:07.559 --> 00:26:08.200 you owe on it? 468 00:26:09.400 --> 00:26:09.640 Yep? 469 00:26:09.799 --> 00:26:13.400 So well, so I was keeping the title and everything 470 00:26:13.759 --> 00:26:14.839 or that you know. 471 00:26:14.799 --> 00:26:17.480 They would in your You were keeping it in your name? 472 00:26:18.559 --> 00:26:19.839 Yep, yep, that's correct. 473 00:26:20.039 --> 00:26:21.079 How much you owe on it? 474 00:26:22.279 --> 00:26:23.759 Fifteen thousands? 475 00:26:24.319 --> 00:26:28.519 Okay, now, yep, so that was smart. At least she 476 00:26:28.640 --> 00:26:30.200 kept the title. Now what. 477 00:26:31.559 --> 00:26:38.480 So now the gentleman was not making payments. I threatened 478 00:26:38.519 --> 00:26:42.000 to come and take the trailer, and he did. 479 00:26:42.039 --> 00:26:44.720 You have that in a security agreement. By the way, 480 00:26:44.920 --> 00:26:47.599 that that's called a security agreement. A lot of people 481 00:26:47.640 --> 00:26:50.319 make the mistake of doing an installment plan, but they 482 00:26:50.359 --> 00:26:53.119 don't go they don't do the next thing, which is 483 00:26:53.160 --> 00:26:56.359 called a security agreement. That's where you have the right 484 00:26:56.400 --> 00:27:03.519 to take it back. Not all loans are automatically secured. Yep. 485 00:27:03.640 --> 00:27:04.319 So in the. 486 00:27:04.359 --> 00:27:08.480 Contract it says that if he is within like six 487 00:27:08.559 --> 00:27:11.920 days late of a payment, I have the ability to 488 00:27:12.000 --> 00:27:13.400 take it back and then. 489 00:27:13.400 --> 00:27:16.640 When okay, and does it also address then what happens 490 00:27:16.680 --> 00:27:19.880 to the money you've collected or the money still do? 491 00:27:19.880 --> 00:27:23.319 Does it address any of that or does it accelerate 492 00:27:23.359 --> 00:27:25.000 the note that he has to pay it in full? 493 00:27:25.279 --> 00:27:27.839 I mean, what are the provisions or did you just 494 00:27:28.240 --> 00:27:30.720 be honest now just make this up as you went along? 495 00:27:32.480 --> 00:27:37.359 No, So in the contract it I'm almost positive it 496 00:27:37.400 --> 00:27:41.160 says that I would essentially just keep it and I 497 00:27:41.200 --> 00:27:42.160 would keep the payment. 498 00:27:42.440 --> 00:27:43.839 Who made up the contract? 499 00:27:44.839 --> 00:27:46.319 I did it through Rocket lawyer. 500 00:27:48.839 --> 00:27:52.599 Okay, I don't know mister Rocket, but okay, So anyway, 501 00:27:52.799 --> 00:27:55.319 let's talk about this now. What's going on? 502 00:27:56.599 --> 00:27:59.519 Well, so he was late on a payment and came 503 00:27:59.559 --> 00:28:02.640 back and told me, well, it was stolen two days ago. 504 00:28:02.880 --> 00:28:04.839 I guess he just parked it in the middle of. 505 00:28:04.960 --> 00:28:07.359 Only one payment. He's only one payment back. 506 00:28:08.200 --> 00:28:13.839 No, he's he's been late on probably the last five payments. 507 00:28:14.440 --> 00:28:17.119 When you say late, did he miss five payments or 508 00:28:17.200 --> 00:28:18.279 late on five. 509 00:28:18.039 --> 00:28:22.480 Payments he was, he was, he missed two payments, he 510 00:28:22.559 --> 00:28:23.799 was late on probably five. 511 00:28:24.440 --> 00:28:30.599 Okay, okay, now the latest you hear it's been stolen? 512 00:28:31.960 --> 00:28:36.799 Yes, he said he was driving around, he parked it 513 00:28:37.920 --> 00:28:42.160 in a neighborhood and because he was having car problems, 514 00:28:42.440 --> 00:28:45.440 decided to go deal with his car problems. Came back 515 00:28:45.920 --> 00:28:46.359 and it. 516 00:28:46.279 --> 00:28:51.680 Was gone, Oh my goodness, you have he has who 517 00:28:51.759 --> 00:28:53.200 has insurance? 518 00:28:54.279 --> 00:28:57.680 I have insurance and he is a named insured on 519 00:28:57.839 --> 00:29:03.200 the insurance. However, the insurance company is seeing a lot 520 00:29:03.200 --> 00:29:07.480 of problems with the claim, and one that he's been 521 00:29:07.599 --> 00:29:09.880 so late on all of his payments. They question whether 522 00:29:09.960 --> 00:29:12.480 he still has the trailer and he's just saying it 523 00:29:12.519 --> 00:29:13.000 was stolen. 524 00:29:15.440 --> 00:29:18.839 Two, well, did you do a police report? 525 00:29:19.160 --> 00:29:21.279 I did do a police report, but you just file 526 00:29:21.319 --> 00:29:23.400 it online, nothing happens. 527 00:29:25.480 --> 00:29:29.279 Well, so your insurance is refusing to perform. Hey, Brian, 528 00:29:29.359 --> 00:29:32.359 let's talk about this. Coming back. We got an expert 529 00:29:32.400 --> 00:29:34.720 here on insurance. What would happen in a case like that? 530 00:29:35.039 --> 00:29:37.880 Do they have the right to question that? Can she 531 00:29:38.160 --> 00:29:41.279 even do this where she is insured and she insures 532 00:29:41.279 --> 00:29:44.400 this other guy while it's under sale? Let's talk about it. 533 00:29:44.559 --> 00:29:53.799 I'm Tom Martineau. Go with a sure thing Denver's best 534 00:29:53.880 --> 00:29:56.759 roofer Excel Roofing dot com. You don't pay a cent 535 00:29:56.960 --> 00:30:03.759 until you're content. Time for an insurance checkup free, no obligation. 536 00:30:03.799 --> 00:30:07.599 In comparison, call Compass Insurance paying too much your coverage 537 00:30:07.640 --> 00:30:10.279 at dozens of insurance companies find out now three all 538 00:30:10.359 --> 00:30:12.839 three seven seven to one help. You'll think you're his 539 00:30:13.000 --> 00:30:15.599 only customer when you choose Frank durand the real estate 540 00:30:15.640 --> 00:30:18.920 Man dot com to list your home with Remax Alliance 541 00:30:19.119 --> 00:30:27.559 three all three nine two zero sixteen twenty two. Hi 542 00:30:27.680 --> 00:30:32.039 Tom Martino here three oh three seven one three talk 543 00:30:32.079 --> 00:30:38.599 three oh three seven one three eight two five five. Okay, so, Brian, 544 00:30:39.960 --> 00:30:42.240 this Compass insurance group. By the way, they're doing free 545 00:30:42.240 --> 00:30:44.319 insurance checkups right now. Three oh three nine ninety six 546 00:30:44.440 --> 00:30:49.400 nine thousand, Brian. If you have a trailer and you 547 00:30:49.440 --> 00:30:52.680 owe money on it and it's insured, can I loan 548 00:30:52.720 --> 00:30:54.720 it to somebody for lack of a better word, or 549 00:30:54.759 --> 00:30:57.160 sell it to someone on installments and have them named 550 00:30:57.200 --> 00:31:00.359 as an insured Does that do anything? She's still has 551 00:31:00.400 --> 00:31:03.640 the title in her name. She's still, as far as 552 00:31:03.640 --> 00:31:08.960 they're concerned, as the owner she can she ensure someone else. 553 00:31:09.640 --> 00:31:12.440 Well, so a trailer is a little different just because 554 00:31:12.559 --> 00:31:15.880 the liability we're talking about in this case, you're talking 555 00:31:15.880 --> 00:31:18.319 about physical damage. Physical damage. You have it on your 556 00:31:18.359 --> 00:31:21.759 policy and you would have the same rights to be 557 00:31:21.799 --> 00:31:24.920 able to loan it to people. The problem is, whenever 558 00:31:24.960 --> 00:31:28.359 you get to where you are letting someone regularly use it, 559 00:31:28.400 --> 00:31:30.400 they need to be listed. So in this case, I 560 00:31:30.440 --> 00:31:33.680 would have them listed on the auto policy. If she's 561 00:31:33.759 --> 00:31:38.160 selling it, it's almost like she's now a leanholder. At 562 00:31:38.160 --> 00:31:41.160 that point, the new owner should be the one ensuring it, 563 00:31:41.279 --> 00:31:44.079 and then she should be listed as additional insured. That's 564 00:31:44.160 --> 00:31:49.640 how it should have gone. So what happens now, Well, 565 00:31:49.680 --> 00:31:52.759 so now her insurance is doing an investigation? Is that 566 00:31:52.799 --> 00:31:53.319 what she said? 567 00:31:54.200 --> 00:31:58.079 Well, let's talk to her. So what is actually going 568 00:31:58.119 --> 00:31:59.160 on right now? Shayee? 569 00:32:00.680 --> 00:32:06.799 So the the insurance company is doing an investigation. They 570 00:32:07.079 --> 00:32:09.759 they said that, you know it is it is a 571 00:32:09.799 --> 00:32:14.119 little sketchy that this person had the trailer, was laid 572 00:32:14.160 --> 00:32:16.920 on payments and then all of a sudden it was stolen. 573 00:32:18.599 --> 00:32:20.119 They say, what do. 574 00:32:20.079 --> 00:32:22.799 You think is happening, Shayley, What do you think is happening? 575 00:32:23.160 --> 00:32:28.440 You know, that's a great question. I wish I knew 576 00:32:29.119 --> 00:32:31.480 he is the guy sketchy or what is he is? 577 00:32:31.519 --> 00:32:34.920 He he's sketchy, but. 578 00:32:36.440 --> 00:32:36.799 He is. 579 00:32:37.039 --> 00:32:40.920 He's claiming left and right that this has been stolen 580 00:32:42.559 --> 00:32:48.279 and that he absolutely does not have it. So the 581 00:32:48.279 --> 00:32:51.839 the insurance company is also saying, you know, he was 582 00:32:51.960 --> 00:32:54.039 driving it and he just left it in a random 583 00:32:54.079 --> 00:32:56.839 neighborhood for two days. 584 00:32:57.400 --> 00:32:59.599 That that about that. 585 00:33:00.640 --> 00:33:04.039 Man, your nuts to do this on time? You were 586 00:33:04.119 --> 00:33:04.920 nuts to do it? 587 00:33:06.960 --> 00:33:07.720 Yeah, yep. 588 00:33:09.200 --> 00:33:12.000 And Chailey, did he have insurance or did you say 589 00:33:12.160 --> 00:33:14.119 you just it was just your insurance. 590 00:33:15.119 --> 00:33:18.400 According to our contract, he should have had insurance on it. 591 00:33:18.880 --> 00:33:19.839 However he did not. 592 00:33:20.359 --> 00:33:23.359 Okay, yeah, I can imagine your insurance is going to 593 00:33:23.400 --> 00:33:27.119 have a problem with this. It's it is a very abnormal, unusual. 594 00:33:27.519 --> 00:33:29.480 But let's say she's loaning it to the guy. 595 00:33:29.920 --> 00:33:33.039 Well, yeah, but loaning it. It's defined in the policy. 596 00:33:33.079 --> 00:33:35.640 It's got to be less than thirty days, is you know? 597 00:33:35.759 --> 00:33:38.000 I imagine that's what her policy language says. How long 598 00:33:38.079 --> 00:33:38.640 is he sat it? 599 00:33:39.119 --> 00:33:45.240 Oh? Okay, okay, so they could exclude they can exclude 600 00:33:45.240 --> 00:33:48.359 it based on the fact she's selling it right, well, 601 00:33:48.640 --> 00:33:50.279 or it's no longer in her possession. 602 00:33:50.559 --> 00:33:53.799 It's it's not in her possession. It's still titled to her, 603 00:33:53.920 --> 00:33:54.960 is what she said, right? 604 00:33:56.319 --> 00:33:57.440 Yes, that's right. Yeah. 605 00:33:57.480 --> 00:34:00.519 There are so many problems with this arrangement, Chailee, because 606 00:34:01.279 --> 00:34:04.119 it being titled to you, you're becoming liable if he 607 00:34:04.160 --> 00:34:07.039 does something reckless with it too, because you're on title 608 00:34:07.119 --> 00:34:09.760 for the vehicle or onto the title for the trailer. 609 00:34:09.880 --> 00:34:13.599 So uh, I completely understand why your insurance company is 610 00:34:13.639 --> 00:34:14.599 having a hard time with us. 611 00:34:15.800 --> 00:34:18.199 Yep, absolutely. 612 00:34:19.119 --> 00:34:19.280 Well. 613 00:34:19.320 --> 00:34:21.440 The bottom line is they should be covering it. Am 614 00:34:21.440 --> 00:34:24.559 I crazy? Based just on what you said the Shaley. 615 00:34:24.800 --> 00:34:26.800 You got to get the police in on this. This 616 00:34:26.840 --> 00:34:29.719 is bad news. I would sue this guy, by the way, 617 00:34:29.960 --> 00:34:33.159 I would sue him in small claims court and get 618 00:34:33.199 --> 00:34:35.679 at least something out of it. We got more coming 619 00:34:35.760 --> 00:34:37.920 up on the Troubleshooter Show. Or get an attorney and 620 00:34:37.960 --> 00:34:42.639 go after him, get a judgment. Go with a sure 621 00:34:42.760 --> 00:34:46.199 thing Denver's Best roofer Excel roofing dot com. You don't 622 00:34:46.199 --> 00:34:52.239 pay a cent until you're content. Time for an insurance 623 00:34:52.320 --> 00:34:56.440 checkup free, no obligation. In comparison, call Compass insurance paying 624 00:34:56.480 --> 00:34:59.519 too much your coverage at dozens of insurance companies find 625 00:34:59.519 --> 00:35:02.280 out now three oh three seven seven one help. You'll 626 00:35:02.280 --> 00:35:05.039 think you're his only customer when you choose Frank durand 627 00:35:05.079 --> 00:35:07.519 the real estate man dot com to list your home 628 00:35:07.719 --> 00:35:10.880 with Remax Alliance three oh three nine two zero sixteen 629 00:35:10.920 --> 00:35:11.480 twenty two. 630 00:35:12.239 --> 00:35:17.760 Yeah, ripped. 631 00:35:19.239 --> 00:35:22.280 New need advice, So you don't have. 632 00:35:24.519 --> 00:35:25.280 Come running. 633 00:35:25.679 --> 00:35:29.480 As as we can, Shooter's gonna help. 634 00:35:29.760 --> 00:35:38.440 Come man, this is the Troubleshooter Show. Now, Tom Martino, Hi. 635 00:35:38.320 --> 00:35:41.199 Tom Martino here, Welcome to the show. Three oh three 636 00:35:41.239 --> 00:35:44.079 seven one three talk three oh three seven one three 637 00:35:44.159 --> 00:35:47.199 eight two five five. If you're looking at our stream here, 638 00:35:47.199 --> 00:35:51.599 I'm trying to get the studio guys to come back. 639 00:35:52.199 --> 00:35:58.199 Uh oh, I just mixed myself. Crap. I just I'm 640 00:35:58.320 --> 00:36:00.440 look at this is still all new to me, people, 641 00:36:00.559 --> 00:36:05.679 but I'm still having to do Oh there I am again. Okay, 642 00:36:05.719 --> 00:36:08.280 So anyway, this is all new, and I'm trying to 643 00:36:08.320 --> 00:36:11.840 get the studio to come in, and I'm having a 644 00:36:11.840 --> 00:36:14.440 little trouble. He's on a zoom call and I'm trying 645 00:36:14.480 --> 00:36:16.960 to bring up that video for those of you who 646 00:36:16.960 --> 00:36:18.760 are geeks and want to know what I'm doing behind 647 00:36:18.800 --> 00:36:21.880 the scenes. By the way, we were talking about a 648 00:36:21.880 --> 00:36:25.719 lot of interesting things. But one thing as far as 649 00:36:25.760 --> 00:36:31.159 insurance goes, the question is why why are we in 650 00:36:31.199 --> 00:36:32.400 an insurance crisis? 651 00:36:32.639 --> 00:36:35.480 Well, doesn't it all come down to, basically, insurance companies 652 00:36:35.480 --> 00:36:36.880 are paying out a ton of money? 653 00:36:36.960 --> 00:36:39.559 I read somewhere, I think, but it's all over the country, Mark, 654 00:36:39.599 --> 00:36:42.320 It's all over the country, and it's with cars, and 655 00:36:42.360 --> 00:36:43.360 it's with houses. 656 00:36:43.559 --> 00:36:46.039 Doesn't it all equal into the same bucket. If I'm 657 00:36:46.079 --> 00:36:49.400 collecting a million dollars in paying out a million, five 658 00:36:49.480 --> 00:36:52.840 hundred thousand every year, and then some states won't allow 659 00:36:52.920 --> 00:36:54.519 me to raise rates, I'm going. 660 00:36:54.519 --> 00:36:55.440 To leave that state. 661 00:36:55.559 --> 00:36:55.840 I mean. 662 00:36:56.199 --> 00:36:58.800 The bottom line is it's because they're paying out too 663 00:36:58.840 --> 00:37:00.159 much money, right, Bryan. 664 00:37:00.119 --> 00:37:02.760 Yep, that's it. It's a matter of how much money 665 00:37:02.760 --> 00:37:04.599 you're taking in and how much you're paying out. But Tom, 666 00:37:04.639 --> 00:37:07.480 you're right. It is across the country. But there are 667 00:37:07.559 --> 00:37:11.000 pockets in this country that are much worse than Colorado 668 00:37:11.199 --> 00:37:16.440 definitely fits in one of those, California, California, Colorado, Texas, 669 00:37:16.679 --> 00:37:18.159 and then Florida is its own problems. 670 00:37:18.199 --> 00:37:22.039 Some of the crime ridden areas like San Francisco, there's 671 00:37:22.079 --> 00:37:24.119 places if you live there, they're not even going to 672 00:37:24.199 --> 00:37:25.199 ensure your car. 673 00:37:25.280 --> 00:37:27.960 Yeah, yeah, And I mean the problems in California obviously 674 00:37:28.159 --> 00:37:32.920 stem more from the fires, but in Colorado is just 675 00:37:33.239 --> 00:37:36.760 it's got the issues with fires. But hale Hale is 676 00:37:37.440 --> 00:37:42.159 absolutely wreaking havoc in Colorado. So people, you look around 677 00:37:42.239 --> 00:37:45.000 and you get a room of twenty people, I'll bet 678 00:37:45.199 --> 00:37:47.199 you know over half of them had new roofts in 679 00:37:47.199 --> 00:37:48.360 the last five years. 680 00:37:48.559 --> 00:37:48.960 It's great. 681 00:37:49.000 --> 00:37:51.320 So it's just how you know, it's just not sustainable. 682 00:37:51.360 --> 00:37:53.480 Who in this room hasn't had a new roof in 683 00:37:53.519 --> 00:37:55.559 the last ten years? And I know it's crazy. 684 00:37:57.280 --> 00:38:00.159 Oh you've had two, says yeah, two, How many have 685 00:38:00.199 --> 00:38:00.519 you had? 686 00:38:00.559 --> 00:38:04.480 Tom? Uh, No, I haven't had I haven't had any. 687 00:38:04.559 --> 00:38:07.280 And well, first of all, yeah, and many many men 688 00:38:07.480 --> 00:38:10.639 I know forever though, but yeah, well for a while, 689 00:38:10.800 --> 00:38:14.000 that's for sure. For a while. That's during two huge 690 00:38:14.000 --> 00:38:21.039 hail years. Yes, yes, that's true. And then before that 691 00:38:21.159 --> 00:38:24.360 though I didn't have any. It's been it's been a while, 692 00:38:24.440 --> 00:38:25.119 that's for sure. 693 00:38:25.320 --> 00:38:28.639 If you have an asphalt shingle roof in Colorado, you're 694 00:38:28.960 --> 00:38:31.280 you're almost certain to have had to replace your roof 695 00:38:31.320 --> 00:38:33.599 in the last ten years. In the in the metro area, 696 00:38:33.679 --> 00:38:35.599 not in the mountains, that kind of thing. But in 697 00:38:35.639 --> 00:38:38.679 the metro area, you're almost it's almost a guarantee you've 698 00:38:38.679 --> 00:38:40.519 had a roof or you should have or you should 699 00:38:40.519 --> 00:38:42.000 have or there's damage up there right now. 700 00:38:44.280 --> 00:38:44.800 Yeah. 701 00:38:45.400 --> 00:38:47.599 Yeah, So when you have shot people like if they 702 00:38:47.679 --> 00:38:49.760 have State Farm or All State or any of these 703 00:38:49.800 --> 00:38:52.079 people right now, all they have to do is print 704 00:38:52.119 --> 00:38:55.519 out the deck sheet the declarations if they go online, 705 00:38:55.559 --> 00:38:56.199 print out there. 706 00:38:56.320 --> 00:38:58.760 They don't need the whole policy, no, just the declaration. 707 00:38:58.800 --> 00:39:00.159 They send that over to you. 708 00:38:59.760 --> 00:39:02.760 You shap it with twenty thirty companies, depend on what 709 00:39:02.800 --> 00:39:05.119 you're looking for, and then you come back to them. 710 00:39:05.199 --> 00:39:07.719 Yeah, along with an operator list. I mean there's very 711 00:39:08.079 --> 00:39:12.000 very minimal information declaration pages, operator list if you're doing 712 00:39:12.519 --> 00:39:15.880 obviously auto quotes. And then a big question we have 713 00:39:15.960 --> 00:39:19.400 to know is when your roof is replaced, because companies 714 00:39:19.400 --> 00:39:21.679 now if your roof is you know, if you have 715 00:39:21.719 --> 00:39:24.920 an asphalt shingle roofs it's over fifteen years old, it's 716 00:39:24.920 --> 00:39:26.360 hard to find insurance. 717 00:39:27.119 --> 00:39:28.840 Can they exclude it or they can't. 718 00:39:28.960 --> 00:39:31.159 There's some carriers that can exclude it, but I would 719 00:39:31.239 --> 00:39:33.559 never tell someone if they have a policy that covers it. 720 00:39:33.599 --> 00:39:36.159 I'm going to say stay where you're at, because even 721 00:39:36.199 --> 00:39:39.360 though you might be overpaying, I wouldn't want you to 722 00:39:39.440 --> 00:39:41.880 switch and then be on the hook for the entire roof. 723 00:39:41.960 --> 00:39:44.599 Well, it's basically like not having insurance at that point. 724 00:39:44.599 --> 00:39:46.800 If you had a big hailstorm and water gets and 725 00:39:46.800 --> 00:39:47.880 none of it would be covered. 726 00:39:47.960 --> 00:39:51.320 Well, no, that's not true. The hail would not be covered, 727 00:39:51.320 --> 00:39:54.039 but the water damage that occurred because of that, the 728 00:39:54.119 --> 00:39:57.239 water would be Oh that's interesting. Yeah, they can't exclude that. 729 00:39:57.559 --> 00:40:03.599 Okay, cool. Yeah, Well, in any case, the problem is 730 00:40:04.320 --> 00:40:08.960 at a point where there are some condos and town 731 00:40:09.039 --> 00:40:16.519 homes not being covered at all, and that that is 732 00:40:16.599 --> 00:40:19.719 going to wreak havoc. Now here's the big problem we 733 00:40:19.760 --> 00:40:23.920 talked about yesterday. Stupid homeowners. And I don't mean stupid 734 00:40:23.960 --> 00:40:27.559 because they're stupid, I mean stupid. With the HA situation, 735 00:40:28.440 --> 00:40:31.880 they do not want to pay more dues, so they 736 00:40:31.960 --> 00:40:34.679 vote them down or they refuse to raise them as 737 00:40:34.719 --> 00:40:37.840 an HIA board, but no matter, and they have enough 738 00:40:37.880 --> 00:40:41.679 to pay their monthly bills. But what happens when a 739 00:40:41.719 --> 00:40:45.800 storm comes and they have a giant deductible, or they 740 00:40:45.840 --> 00:40:48.880 have under insurance or they have no insurance, They're going 741 00:40:48.960 --> 00:40:53.039 to reach they're going to have giant assessments, and lost 742 00:40:53.079 --> 00:40:55.800 assessment coverage isn't going to cover all of them, is. 743 00:40:55.719 --> 00:40:59.559 It, Brian, Well, so right now, I see this is 744 00:40:59.599 --> 00:41:04.000 another major issue that is going to be hitting personal 745 00:41:04.079 --> 00:41:07.639 lines insurance at least, because what has happened, to your point, 746 00:41:07.719 --> 00:41:10.760 over the last couple of years is that the policies, 747 00:41:10.800 --> 00:41:15.400 the commercial insurance policies that are covering these condo associations 748 00:41:15.440 --> 00:41:18.480 that are covering the exterior of the buildings have now 749 00:41:19.119 --> 00:41:22.760 had to take on deductibles that are so big that 750 00:41:22.840 --> 00:41:24.400 if they have a claim, they're going to have to 751 00:41:24.480 --> 00:41:28.599 assess each unit owner thousands and thousands of dollars. And 752 00:41:29.000 --> 00:41:31.800 on a condo policy, a personal ine condo policy, you 753 00:41:31.840 --> 00:41:35.639 can add loss assessment coverage and it will pay for 754 00:41:35.679 --> 00:41:38.280 those assessments. Depending on your policy, some of them have 755 00:41:38.440 --> 00:41:41.639 exclusions for HOA deductibles, so it's important to look at that. 756 00:41:42.320 --> 00:41:45.960 But the cost of that loss assessment is so minimal, 757 00:41:46.000 --> 00:41:48.239 I mean it has been let's say, for fifty thousand 758 00:41:48.280 --> 00:41:51.440 dollars a coverage, you're looking at maybe thirty bucks a year. 759 00:41:52.079 --> 00:41:55.639 That won't sustain because they're paying out way too much 760 00:41:55.679 --> 00:41:57.880 on these claims. So you're going to see that either 761 00:41:57.960 --> 00:42:00.760 go away or they're going to start charge a premium 762 00:42:00.760 --> 00:42:01.039 for it. 763 00:42:01.119 --> 00:42:04.199 You know, you mentioned something like you buy something like 764 00:42:04.320 --> 00:42:08.480 loss assessment coverage and you don't realize because no one 765 00:42:08.559 --> 00:42:09.639 reads the fine lines. 766 00:42:09.639 --> 00:42:11.360 And this is what you guys are really good at. 767 00:42:11.719 --> 00:42:14.480 I had an umbrella and I found out the umbrella 768 00:42:14.559 --> 00:42:18.079 I had before I met you, Brian, did not cover 769 00:42:18.400 --> 00:42:23.079 or come into play for UI uninsured motorists or underinsured, 770 00:42:23.320 --> 00:42:25.800 and you found me an umbrella company where it actually 771 00:42:25.840 --> 00:42:28.599 covers over I mean, it's really crazy. Most people would 772 00:42:28.639 --> 00:42:31.440 automatically think the umbrella is going to extend there, but 773 00:42:31.519 --> 00:42:32.000 it doesn't. 774 00:42:32.400 --> 00:42:34.679 Almost all of them don't. I mean I would say 775 00:42:35.000 --> 00:42:38.159 left that one. There's I have. Out of all the 776 00:42:38.239 --> 00:42:43.199 carriages we write for, I have four companies that offer 777 00:42:43.599 --> 00:42:47.039 extended uninsured motorists on an umbrella. But like your major 778 00:42:47.079 --> 00:42:50.000 companies out there, your state farms all staged, Oh, they 779 00:42:50.000 --> 00:42:51.440 don't offer it. You can't get it. 780 00:42:51.599 --> 00:42:54.440 So anybody, and I mean this, anybody out there that 781 00:42:54.599 --> 00:42:57.239 is not shopped insurance for a while, or you're up 782 00:42:57.280 --> 00:43:00.880 against crazy renewals, or you have a team that's another 783 00:43:00.920 --> 00:43:03.480 big change of life, call these guys for the free 784 00:43:03.559 --> 00:43:06.840 check three oh three nine nine six nine thousand. 785 00:43:06.960 --> 00:43:11.119 Thank you. That's a good one. And as far as 786 00:43:11.199 --> 00:43:14.960 getting an insurance checkup, no one, I mean no one 787 00:43:15.039 --> 00:43:17.760 should not do it. That's weird, but everyone should do it. 788 00:43:17.840 --> 00:43:19.639 Let me just put it away. Let's talk to Matt 789 00:43:19.719 --> 00:43:25.559 Is about about his garage floors. Matt, what's happening? He dropped? Man, 790 00:43:25.760 --> 00:43:29.159 Oh we did. Let's go to Greg. Now here's what 791 00:43:29.280 --> 00:43:34.960 happened yesterday? No, it was, yeah, it was for yesterday. Greg. 792 00:43:35.199 --> 00:43:37.840 I think it had to do with his twenty thirteen 793 00:43:37.880 --> 00:43:42.760 GMC terrain was and took it to the shop because 794 00:43:42.760 --> 00:43:47.000 he wouldn't start a three point six sixth leader. I 795 00:43:47.079 --> 00:43:50.880 told him to go to hands On Auto Tech. He says, 796 00:43:51.000 --> 00:43:54.599 I can't find I need to find somebody, And I said, 797 00:43:54.639 --> 00:43:57.280 you go there. These are good people. Greg. 798 00:43:57.920 --> 00:44:01.440 What happened, yes, sir, so I called hands On Autotech 799 00:44:01.519 --> 00:44:03.920 and he told me a rebuild engine would be about 800 00:44:03.920 --> 00:44:06.599 the same price thirteen thousand. 801 00:44:07.159 --> 00:44:09.800 I think you need it. If you needed one, I 802 00:44:09.840 --> 00:44:12.079 wanted to get a second opinion on whether you need 803 00:44:12.119 --> 00:44:12.519 it or not. 804 00:44:13.559 --> 00:44:16.039 Yeah, well I've got to toe it someplace to get 805 00:44:16.039 --> 00:44:16.960 a second opinion. 806 00:44:18.079 --> 00:44:21.519 Well, well, can't Tom wait wait, couldn't hands On tell 807 00:44:21.760 --> 00:44:25.920 give you a second opinion on the engine? Yeah? 808 00:44:25.960 --> 00:44:28.880 He would, he said that sounded right based on the 809 00:44:28.960 --> 00:44:31.039 compression numbers that I. 810 00:44:31.039 --> 00:44:34.960 Gave ee a new engine, okay. 811 00:44:34.639 --> 00:44:38.599 And then Sheridan came in for a rebuilt engine three 812 00:44:38.719 --> 00:44:43.840 year warranty ten thousand and nine hundred. And the final 813 00:44:43.920 --> 00:44:48.800 place that I called Colorado Engine came in ten thousand 814 00:44:48.960 --> 00:44:55.159 dollars for a four year warrantied engine rebuilt. So the 815 00:44:55.159 --> 00:45:00.119 best deal has been Colorado Engine. But the question and 816 00:45:00.199 --> 00:45:02.960 I have for you is based on the fact that 817 00:45:03.000 --> 00:45:08.159 it's a twenty thirteen Would you just say scrap it 818 00:45:08.400 --> 00:45:10.840 and go out and buy another used car? 819 00:45:11.679 --> 00:45:14.239 What did you pay for this? And how long. 820 00:45:14.039 --> 00:45:18.800 Ago you twenty and nineteen? I paid eleven thousand. 821 00:45:19.440 --> 00:45:23.719 It's paid off, yes, And what can you get for 822 00:45:23.760 --> 00:45:24.239 it now? 823 00:45:25.639 --> 00:45:25.880 Well? 824 00:45:25.920 --> 00:45:29.039 I can't get anything because it's I mean engine, it's 825 00:45:29.079 --> 00:45:31.079 kind of you know, if it's got a bad engine, 826 00:45:31.119 --> 00:45:36.880 I can't. I'm not going to get much off of it. Right. Good, Well, 827 00:45:37.079 --> 00:45:38.039 it's costing. 828 00:45:38.000 --> 00:45:40.639 But I mean it does it's still it still has 829 00:45:40.679 --> 00:45:43.519 some value, So that's what I need to know. It 830 00:45:43.599 --> 00:45:48.880 has some value. Yes, So what can you get for it? 831 00:45:48.880 --> 00:45:51.639 It has value? We need to talk about that. Really. 832 00:45:52.360 --> 00:45:57.320 So without an engine that costs ten thousand, well. 833 00:45:57.199 --> 00:45:59.840 I don't know. I mean, well, I'm asking maybe we 834 00:45:59.880 --> 00:46:01.960 have one of our people. I'm just you know, with 835 00:46:02.079 --> 00:46:04.679 a with a caput engine. How's the body? 836 00:46:04.800 --> 00:46:04.920 How? 837 00:46:05.239 --> 00:46:07.679 What tell me about your car? Is it a good bod? 838 00:46:09.079 --> 00:46:09.360 Yeah? 839 00:46:09.480 --> 00:46:13.639 Body and everything else is in good shape that I 840 00:46:13.760 --> 00:46:17.480 know of. Okay, everything else is in good shape. It's 841 00:46:17.519 --> 00:46:21.679 got relatively new tires. I haven't driven it much in 842 00:46:21.760 --> 00:46:24.519 the last five years. When I bought it, it had 843 00:46:24.559 --> 00:46:27.400 one hundred and six thousand. I've got one hundred and 844 00:46:27.400 --> 00:46:30.079 twenty five on it now I bought it five years ago. 845 00:46:32.199 --> 00:46:37.199 Well, it's so basically you get nothing. So you're saying 846 00:46:37.199 --> 00:46:39.159 you're gonna scrap it for nothing. 847 00:46:40.599 --> 00:46:42.840 Well, I may get a little bit, but based on 848 00:46:42.920 --> 00:46:46.400 the fact that a used engines at least eight or 849 00:46:46.519 --> 00:46:47.840 nine thousand. 850 00:46:47.480 --> 00:46:49.559 No, I get it. I get exactly what I get. 851 00:46:49.599 --> 00:46:52.880 Exactly what you're saying, man. So what I'm trying to 852 00:46:52.880 --> 00:46:55.119 figure out, and I always go to cars dot com 853 00:46:55.159 --> 00:46:59.039 because it's a really, really really good source and it's 854 00:46:59.079 --> 00:47:01.039 a two thousand thirteen. 855 00:47:00.760 --> 00:47:06.480 Right, yeah, twenty thirteen gmc terrain denollage. 856 00:47:06.519 --> 00:47:12.599 Yeah, it's the denalogy. Okay, And okay, well listen, man, 857 00:47:13.000 --> 00:47:16.039 they have some pretty good value. They have some pretty 858 00:47:16.079 --> 00:47:19.400 good value. I mean, not the extraordinary value. But let's 859 00:47:19.440 --> 00:47:24.880 say seventeen eighteen and so that's with uh, that's with 860 00:47:25.039 --> 00:47:29.280 some mileage. So let's just put it this way. If 861 00:47:29.320 --> 00:47:31.519 you're into it for eleven put ten, you'll be into 862 00:47:31.599 --> 00:47:35.280 it for twenty one with a new engine, right or rebuilt, 863 00:47:35.760 --> 00:47:38.079 which is like a new age. Okay, so you're going 864 00:47:38.159 --> 00:47:42.400 to be about over market for a decent one. And 865 00:47:42.440 --> 00:47:45.840 when I say decent one with fifty thousand miles, you'll 866 00:47:45.840 --> 00:47:50.519 be over market by about six grand. So but but 867 00:47:51.039 --> 00:47:54.840 you'll be over that market. But you but now you 868 00:47:54.880 --> 00:47:57.920 don't have any miles on it. So I don't think 869 00:47:58.280 --> 00:48:01.719 you're going to be buried. You you will be buried 870 00:48:02.599 --> 00:48:05.519 if you compare it to what's out there, but you're 871 00:48:05.519 --> 00:48:08.800 not buried if you compare it to the value you've gotten. 872 00:48:09.159 --> 00:48:12.599 The real question you need to ask will you keep 873 00:48:13.119 --> 00:48:17.440 this vehicle? If not, then you may not want to 874 00:48:17.480 --> 00:48:17.760 do it. 875 00:48:19.639 --> 00:48:21.400 Yeah, I was very happy. 876 00:48:21.440 --> 00:48:23.239 I was going to drive until it died. 877 00:48:23.599 --> 00:48:26.239 Then you ought to do it. In my opinion, you 878 00:48:26.280 --> 00:48:29.480 ought to do it because that five or six over market. 879 00:48:29.679 --> 00:48:32.159 When I say over market, that's over market for a 880 00:48:32.159 --> 00:48:36.719 truck with sixty or seventy thousand miles. Okay, that's that's 881 00:48:36.760 --> 00:48:39.599 six or seven over that. So if you're not six 882 00:48:39.719 --> 00:48:44.039 or seven over that because you have no miles, then 883 00:48:44.039 --> 00:48:47.440 you're not doing badman, You're really not. Now, I'm hoping 884 00:48:47.760 --> 00:48:50.239 your transmission is going to last a while, and perhaps 885 00:48:50.320 --> 00:48:52.519 you ought to have that checked out before you invest 886 00:48:53.199 --> 00:48:56.639 and shared and can give you that information very well. 887 00:48:57.920 --> 00:49:00.679 I would have. I would if you you're assured the 888 00:49:00.719 --> 00:49:04.679 transmission isn't bad and it can probably last, I would 889 00:49:04.719 --> 00:49:06.440 go ahead and do it. If you're gonna have to 890 00:49:06.440 --> 00:49:08.719 do a tranny, you're gonna be buried. And I would 891 00:49:08.719 --> 00:49:11.320 take that money and put it into a new vehicle actually, 892 00:49:11.599 --> 00:49:14.559 and get a warranty on it. Three ozho three seven 893 00:49:14.719 --> 00:49:16.760 one three talk. I got to take this ray three 894 00:49:16.840 --> 00:49:18.679 or three seven to three eight two five five Denver 895 00:49:18.800 --> 00:49:21.480 regen dot com for stem cell therapy, get out of 896 00:49:21.519 --> 00:49:25.920 Pain plus compounded weight loss drugs for pennies on the 897 00:49:25.960 --> 00:49:30.079 dollar semaglutide tzepetide a few hundred bucks a month compared 898 00:49:30.119 --> 00:49:34.840 to the fourteen hundred dollars or so for the prescriptions. 899 00:49:35.360 --> 00:49:43.880 That's Denverregen dot com. Go with a sure thing Denver's 900 00:49:43.920 --> 00:49:46.800 best roofer Excel Roofing dot com. You don't pay a 901 00:49:46.880 --> 00:49:53.360 cent until you're content. Time for an insurance check up free, 902 00:49:53.440 --> 00:49:57.199 no obligation. In comparison, call Compass Insurance paying too much 903 00:49:57.280 --> 00:50:00.199 your coverage at dozens of insurance companies find out now 904 00:50:00.320 --> 00:50:02.840 three all three seven seven to one help. You'll think 905 00:50:02.840 --> 00:50:05.400 you're his only customer when you choose Frank durand the 906 00:50:05.480 --> 00:50:08.119 real estate Man dot com to list your home with 907 00:50:08.239 --> 00:50:16.480 Remax Alliance three oh three nine two zero sixteen twenty two. 908 00:50:18.519 --> 00:50:21.159 All right, three oh three seven one three eight two 909 00:50:21.239 --> 00:50:23.599 five five. You've been ripped off taking advantage of I 910 00:50:23.639 --> 00:50:25.920 want to hear from you. I mean, that's it. There's 911 00:50:25.960 --> 00:50:27.840 a lot of people out there that need help. I 912 00:50:27.880 --> 00:50:30.320 don't care if it's a bad landlord, I don't care 913 00:50:30.440 --> 00:50:33.000 if it's an automotive guy that ripped you off. How 914 00:50:33.039 --> 00:50:36.880 about I guess my favorite My favorite calls are probably 915 00:50:36.960 --> 00:50:40.239 those dirt bag contractors that just take money and do nothing. 916 00:50:40.519 --> 00:50:43.280 How many what percentage of people do you think that is? 917 00:50:43.360 --> 00:50:45.920 Kelly or Brian, you've listened to the show. How many 918 00:50:45.960 --> 00:50:49.440 times do we hear someone that literally just shows up, 919 00:50:49.679 --> 00:50:53.320 takes money and never does a damn thing. And to me, 920 00:50:53.400 --> 00:50:56.039 that's not a bad contractor or even a scumback. 921 00:50:56.159 --> 00:50:58.000 Honestly, it's a thief. It's a thief. 922 00:50:58.079 --> 00:51:02.239 And I just hear rip repetitive comment from you guys 923 00:51:02.320 --> 00:51:05.559 is like, don't put money down on this stuff because 924 00:51:05.599 --> 00:51:07.360 you can't trust that they're going to do the job. 925 00:51:07.599 --> 00:51:09.719 No, And I love holding them out there. So if 926 00:51:09.760 --> 00:51:11.639 someone has ripped you off. One of the things we 927 00:51:11.679 --> 00:51:14.599 do on this show, it's a public forum. We make 928 00:51:14.639 --> 00:51:16.719 sure everybody knows who the sundbags are. 929 00:51:17.480 --> 00:51:24.920 Absolutely absolutely, And it's just amazing though, Mark, Almost every 930 00:51:25.280 --> 00:51:28.880 problem starts with money down. Almost every problem. 931 00:51:29.039 --> 00:51:31.880 We have a lot of people contractors on our referral 932 00:51:31.920 --> 00:51:34.400 list that take money up front. Well, you know why 933 00:51:34.440 --> 00:51:36.400 that's different because we trust them. 934 00:51:36.519 --> 00:51:39.800 I mean, yeah, but that's still okay. But still it's 935 00:51:40.280 --> 00:51:45.239 not impossible. I think, No, No, you're right. But even then, 936 00:51:45.840 --> 00:51:47.719 if it's on a referral listener, no matter who it is, 937 00:51:48.559 --> 00:51:51.440 if you must, there are ways to do it. You 938 00:51:52.679 --> 00:51:55.960 verify orders in your address to your address they've been 939 00:51:55.960 --> 00:51:59.679 paid for it, or you pay us work begins. I 940 00:51:59.719 --> 00:52:03.599 don't like paying for nothing. In fact, I don't most 941 00:52:03.599 --> 00:52:05.400 of the people on a referra list that take money 942 00:52:05.480 --> 00:52:08.960 up front mark it's usually not for nothing. It's usually 943 00:52:09.039 --> 00:52:13.079 for design, or for parts, or for I don't know, 944 00:52:13.119 --> 00:52:13.800 different things. 945 00:52:14.119 --> 00:52:16.159 I still go back to, I still don't think they 946 00:52:16.159 --> 00:52:18.280 should take money upfront. I don't care who they are. 947 00:52:18.719 --> 00:52:21.320 I just don't think me too. But my point, I mean, 948 00:52:21.440 --> 00:52:23.920 that's what I love. We have background checked them, and 949 00:52:24.039 --> 00:52:26.960 most of them quite honestly, we've known the companies ten 950 00:52:27.039 --> 00:52:30.199 fifteen years. I mean, that's the bottom line. But I 951 00:52:30.239 --> 00:52:32.679 wish none of them took money upfront. I don't see 952 00:52:32.679 --> 00:52:35.360 any reason for it. When you're working in someone's ouse, 953 00:52:35.559 --> 00:52:37.679 I don't see any damn reason for it, because you 954 00:52:37.719 --> 00:52:38.639 can always lean the. 955 00:52:38.599 --> 00:52:40.639 Property you've gotten. 956 00:52:40.760 --> 00:52:43.599 By the way, of course, you've got more recourses a 957 00:52:43.639 --> 00:52:47.800 contractor or someone delivering something like a roof for delivering 958 00:52:47.840 --> 00:52:52.559 something like shingles to a house, then the consumer ever 959 00:52:52.639 --> 00:52:56.079 has the consumer if you just take us money and run, 960 00:52:56.199 --> 00:52:57.559 they most of the time I have. 961 00:52:57.480 --> 00:53:02.639 Zero recourse, and then you have excel like Excel roofing. 962 00:53:03.239 --> 00:53:06.199 They never take a dime. Not a dime. Oh, I 963 00:53:06.239 --> 00:53:06.920 know what I wanted. 964 00:53:07.039 --> 00:53:10.159 We're talking money up front, Brian, listen to this. 965 00:53:10.159 --> 00:53:11.119 This is crazy. 966 00:53:11.559 --> 00:53:14.440 So I've got some hillbillies on my wife's side of 967 00:53:14.480 --> 00:53:14.960 the family. 968 00:53:15.440 --> 00:53:16.000 I'm talking. 969 00:53:16.079 --> 00:53:18.079 I'm not going to get like too far into it, 970 00:53:18.119 --> 00:53:21.320 but I have never heard of certain things they bring up. 971 00:53:22.000 --> 00:53:24.280 I just never heard of it. So here's the newest one. 972 00:53:24.400 --> 00:53:27.000 Tell me if Tom, tell me, if you anybody has 973 00:53:27.039 --> 00:53:32.079 heard of this. You can buy car insurance daily daily. 974 00:53:32.800 --> 00:53:34.440 What what's to day for it? 975 00:53:34.519 --> 00:53:38.719 You pay every single day to keep your car insurance daily. 976 00:53:38.920 --> 00:53:41.519 So if you got a courtinate for no insurance. I 977 00:53:41.639 --> 00:53:43.039 realize you got a show when you. 978 00:53:43.000 --> 00:53:44.639 Got the ticket, but think about it. 979 00:53:44.679 --> 00:53:47.679 You can walk in with valid insurance that you can 980 00:53:47.719 --> 00:53:48.679 buy for one day. 981 00:53:48.719 --> 00:53:49.599 Have you ever heard of it? 982 00:53:50.320 --> 00:53:53.960 You're saying they actually pay by the day, hey, daily 983 00:53:54.320 --> 00:53:57.400 for no assurance. I can't imagine how many. 984 00:53:57.760 --> 00:54:02.000 So if they don't drive, they don't pay for it? No, well, yeah, 985 00:54:02.079 --> 00:54:04.760 yeah exactly. I mean they still drive when they don't 986 00:54:04.800 --> 00:54:08.519 pay for it. Are you is this in certain states? Mark? 987 00:54:08.599 --> 00:54:10.000 And this is not in Colorado? 988 00:54:10.320 --> 00:54:13.079 I didn't believe a damn word of it here. It 989 00:54:13.119 --> 00:54:16.719 is in surrop in Surify, I N s U R. 990 00:54:17.039 --> 00:54:17.239 Mark. 991 00:54:17.519 --> 00:54:20.920 Hey, Hey Brian, who was talking to Hey? Mark? I 992 00:54:21.000 --> 00:54:24.039 was talking about that? How long ago? Brian? Did I 993 00:54:24.159 --> 00:54:28.199 talk about that or not? Insurance on demand? Well, it's insurance. 994 00:54:28.320 --> 00:54:33.000 It's paid daily, But Mark, it's also not paid if 995 00:54:33.039 --> 00:54:33.760 you don't use it. 996 00:54:33.880 --> 00:54:36.400 Tell you are a piece of crap. If you've got 997 00:54:36.440 --> 00:54:39.440 to pay daily for insurance, I'm sorry. I'm not gonna 998 00:54:39.480 --> 00:54:42.920 bs around anything anymore. Mark, you shouldn't even be driving. 999 00:54:43.320 --> 00:54:45.960 But Mark, I don't think you're getting the import of 1000 00:54:46.000 --> 00:54:50.320 what that means. It's you pay daily for daily use. 1001 00:54:50.880 --> 00:54:53.840 If you're not using the car, you don't pay it. No, 1002 00:54:53.960 --> 00:54:56.960 I don't know how it works anything like it. 1003 00:54:57.119 --> 00:54:58.360 Yeah, and I'm insurance. 1004 00:54:58.800 --> 00:55:01.960 I've always said insureurans on demand. There's no reason to 1005 00:55:02.000 --> 00:55:05.920 have liability insurance sitting in my garage, okay, or if 1006 00:55:05.960 --> 00:55:07.000 I'm going to go away for a. 1007 00:55:06.920 --> 00:55:09.679 Week, like a thirty day policy or a six month, 1008 00:55:09.920 --> 00:55:12.599 but you pay daily, That's. 1009 00:55:12.360 --> 00:55:12.880 What I think. 1010 00:55:12.920 --> 00:55:15.880 Well, and I think Tom to your point about you know, 1011 00:55:15.960 --> 00:55:19.840 only being charged for what you're driving. The problem is 1012 00:55:19.840 --> 00:55:23.880 a lot of people really don't like having to do 1013 00:55:24.119 --> 00:55:28.760 any kind of tracking where an insurance company has access 1014 00:55:28.840 --> 00:55:32.199 to know when you're using your vehicle. I get huge 1015 00:55:32.360 --> 00:55:34.559 pushback because all the companies have it. And then you know, 1016 00:55:34.599 --> 00:55:37.079 they promote that they could give you up to forty 1017 00:55:37.320 --> 00:55:41.480 percent off your premium depending on how the program goes. 1018 00:55:41.800 --> 00:55:44.360 But people don't like it. They don't like having to 1019 00:55:44.400 --> 00:55:45.320 be tracked. 1020 00:55:45.960 --> 00:55:46.159 You know. 1021 00:55:46.199 --> 00:55:49.360 When some companies do it forever. It's not a ninety 1022 00:55:49.440 --> 00:55:52.920 day trial. Every single day that you get in your car, 1023 00:55:52.719 --> 00:55:54.199 you're tracking your drive. 1024 00:55:54.440 --> 00:55:58.639 Here's Hugo Insurance with Hugo dot Com. The Future of 1025 00:55:58.719 --> 00:56:03.920 car insurance. Mike Row payments on demand coverage, no down payments, That's. 1026 00:56:03.679 --> 00:56:06.840 What I'm telling I've said that for years. I've been 1027 00:56:06.920 --> 00:56:11.039 saying that I even went so far Mark to reive 1028 00:56:11.079 --> 00:56:13.119 at your insurance. What's that? 1029 00:56:13.400 --> 00:56:15.920 Could you imagine? Like you get up, it's a Sunday, 1030 00:56:15.920 --> 00:56:18.960 you're heading out to church or bar wherever you're going, 1031 00:56:19.159 --> 00:56:22.719 and and bam bam, you forget to turn your insurance 1032 00:56:22.800 --> 00:56:25.199 back on and some bum hits you and you have 1033 00:56:25.239 --> 00:56:30.960 no coverage. I'm sorry, Tom, I'm glad you thought of 1034 00:56:30.960 --> 00:56:33.559 it years ago, but I can't imagine people. 1035 00:56:33.800 --> 00:56:36.440 Can I tell you? Can I tell you off? Let 1036 00:56:36.480 --> 00:56:39.320 me tell you when it really works. Okay, when it 1037 00:56:39.360 --> 00:56:44.519 really works. People who who use their car okay less 1038 00:56:44.559 --> 00:56:47.559 than others and other people that use it more. There 1039 00:56:47.599 --> 00:56:53.320 are there's technologylage stolen. There's technology available now with a 1040 00:56:53.360 --> 00:56:57.159 cell phone where you can track your usage and you 1041 00:56:57.199 --> 00:57:00.280 can tell it's not you or it is you. And 1042 00:57:00.360 --> 00:57:04.559 the reason I thought of this was for aviation. There 1043 00:57:04.639 --> 00:57:09.760 are guys with small planes that fly one or two. 1044 00:57:09.360 --> 00:57:13.000 Hours a year, some fly ten hours a year. Someone 1045 00:57:13.079 --> 00:57:15.519 runs into the hangar and just kills the marine. 1046 00:57:15.760 --> 00:57:20.280 Mark. Of course there are risks that you're allow that 1047 00:57:20.400 --> 00:57:24.000 you might take. But if you're sitting inside a hangar 1048 00:57:24.760 --> 00:57:28.000 most of the year and you might fly an hour 1049 00:57:28.159 --> 00:57:32.519 a month, why are you ensuring for a million dollars 1050 00:57:32.519 --> 00:57:36.000 of liability for every single day? Brian? Certainly you can 1051 00:57:36.039 --> 00:57:37.199 see the folly in that. 1052 00:57:37.719 --> 00:57:40.199 Absolutely, No, I totally understand if you're not. 1053 00:57:40.320 --> 00:57:42.159 And by the way, Mark, I wasn't talking about Haull. 1054 00:57:42.199 --> 00:57:45.599 I'm only talking about liability because that's the most important, the. 1055 00:57:45.519 --> 00:57:48.800 Most Can you buy coverage that just covers the car, Brian, 1056 00:57:48.880 --> 00:57:50.639 and not liability. 1057 00:57:50.800 --> 00:57:53.360 Well, you can suspend coverage where the car is and 1058 00:57:53.480 --> 00:57:54.800 it's just sitting in the garage, and. 1059 00:57:54.920 --> 00:57:57.679 I'm not talking about that. I'm only talking about liability. 1060 00:57:58.000 --> 00:57:58.840 Liability is the. 1061 00:57:58.800 --> 00:58:02.119 Only thing that really matter in it for other people, 1062 00:58:02.559 --> 00:58:06.159 and you and pretend yeah. But what I'm getting at 1063 00:58:06.280 --> 00:58:09.119 is if liability was easier to get, if people like 1064 00:58:09.280 --> 00:58:11.920 then there was a proposal that when you buy gas, 1065 00:58:12.000 --> 00:58:13.920 it pays for a certain fount of I'm just saying 1066 00:58:13.960 --> 00:58:15.320 like this. Let me give you an example. 1067 00:58:15.400 --> 00:58:18.079 Let's say I suspend coverage on my app or whatever, 1068 00:58:18.440 --> 00:58:22.360 and then I am driving with I might know what 1069 00:58:22.400 --> 00:58:24.360 you're saying. I'm in an uber and I get hit. 1070 00:58:24.599 --> 00:58:28.320 My UIM is gone, so I'm screwed. I'm stuck with 1071 00:58:28.360 --> 00:58:32.239 the twenty five thousand dollars or no insurance that someone 1072 00:58:32.360 --> 00:58:34.159 hit me with and I have no coverage for you. 1073 00:58:34.320 --> 00:58:38.840 I am well, of course I don't have that risk power. 1074 00:58:38.920 --> 00:58:42.239 It's just all I'm saying. Of course, I mean, I 1075 00:58:42.239 --> 00:58:45.159 would say that you have to buy the damn thing. 1076 00:58:45.599 --> 00:58:48.119 I mean, you can't just say it, you have to 1077 00:58:48.239 --> 00:58:53.280 actually do it. I mean, I get that. I mean, 1078 00:58:53.400 --> 00:58:56.000 but what I'm saying is is that there must be 1079 00:58:56.079 --> 00:59:00.000 a way. There must be a way well that you 1080 00:59:00.039 --> 00:59:06.159 using technology, people pay for the risk they present they do, Okay, Tesla, 1081 00:59:06.480 --> 00:59:10.480 what they're doing, Tesla does that exactly right. Now, Tesla 1082 00:59:10.519 --> 00:59:12.159 knows everything I do. 1083 00:59:12.400 --> 00:59:14.800 It knows where I go, what time I leave, how 1084 00:59:14.800 --> 00:59:16.719 far I drive, how fast I drive. 1085 00:59:16.960 --> 00:59:22.480 Do I use autopilot but off? It knows everything but 1086 00:59:22.599 --> 00:59:23.000 I do? 1087 00:59:23.280 --> 00:59:26.880 And if I go through Tesla Insurance, which is its 1088 00:59:27.000 --> 00:59:30.360 own deal, if they do nothing else but Tesla, I 1089 00:59:30.400 --> 00:59:31.880 believe it's owned by Tesla. 1090 00:59:32.159 --> 00:59:34.599 The bottom line is they look at me and say 1091 00:59:35.119 --> 00:59:39.079 we'll pass. Now, here's what I'm getting at. If the best, 1092 00:59:39.760 --> 00:59:46.039 if the exposure of risk does not match the exposure 1093 00:59:46.079 --> 00:59:50.400 you're taking on, it's ridiculous, for example, to be if 1094 00:59:50.440 --> 00:59:55.719 you were a ballplayer and you wanted liability for when 1095 00:59:55.800 --> 00:59:59.239 you were playing baseball and when you if you hit 1096 00:59:59.280 --> 01:00:01.639 someone with the beast or the ball. This is a 1097 01:00:01.719 --> 01:00:04.880 ridiculous example. But what it does is it draws the 1098 01:00:04.920 --> 01:00:08.360 point I'm trying to make. And then all the times 1099 01:00:08.360 --> 01:00:13.880 you're not playing baseball, if they still raided you. That's 1100 01:00:14.039 --> 01:00:18.119 really what it's like. When you have an airplane or 1101 01:00:18.159 --> 01:00:22.039 a boat, or you have a motorcycle, or you have 1102 01:00:22.320 --> 01:00:26.280 a second car or a sports car sitting in a garage. Now, 1103 01:00:26.280 --> 01:00:28.480 Mark I'm not talking about property. Damn, I'm not talking 1104 01:00:28.519 --> 01:00:32.039 about the car itself. I'm talking about liability mainly. Well 1105 01:00:32.039 --> 01:00:34.320 I told you, but once again, UIM. 1106 01:00:34.039 --> 01:00:37.760 Is a big part of that, well, in the whole 1107 01:00:37.800 --> 01:00:40.119 purpose of insurances. But you're still. 1108 01:00:39.840 --> 01:00:43.320 Only exposed when you're on the damn road. That's the 1109 01:00:43.440 --> 01:00:47.079 point I'm making. If you're not driving and you're not 1110 01:00:47.400 --> 01:00:49.960 exposing the insurance company to your risk. 1111 01:00:50.039 --> 01:00:52.280 I guess if you're an old folks home or something 1112 01:00:52.320 --> 01:00:53.800 and never go anywhere, But. 1113 01:00:53.880 --> 01:00:59.159 My UIM covers over to me when my friend's driving Mark. 1114 01:00:59.199 --> 01:01:02.719 But you're still you were making the You're not making 1115 01:01:02.800 --> 01:01:07.280 an opposite point. You're just saying the coverage. I'm not 1116 01:01:07.400 --> 01:01:11.760 talking about the coverage. I'm talking about when to have 1117 01:01:12.400 --> 01:01:16.039 the coverage. You don't have to have it at home 1118 01:01:16.119 --> 01:01:17.400 when you're watching TV. 1119 01:01:17.760 --> 01:01:21.000 Well okay, but once again, I can't imagine having to 1120 01:01:21.039 --> 01:01:23.280 go to my phone and turning on my insurance. 1121 01:01:23.360 --> 01:01:25.920 Well maybe there will be better ways, I don't care. 1122 01:01:26.000 --> 01:01:28.639 But there are plenty of things you have to activate 1123 01:01:28.719 --> 01:01:31.519 and unactivate. You know what it's you know. 1124 01:01:31.559 --> 01:01:34.039 You know, And dear Scott, it would end up like 1125 01:01:34.119 --> 01:01:37.480 these Damn Netflix and Hulu. I have like seventeen of 1126 01:01:37.519 --> 01:01:41.360 them I haven't ever watched. I'd probably have more insurance 1127 01:01:41.360 --> 01:01:43.559 than I ever knew, and it would end up costing 1128 01:01:43.599 --> 01:01:46.199 me more. Remember when I cut the cord because I 1129 01:01:46.239 --> 01:01:48.159 thought I was gonna save eighty bucks a month. 1130 01:01:48.360 --> 01:01:53.840 I think I pay more now. Well, in any case, 1131 01:01:54.760 --> 01:01:58.280 exposure is what we pay for, and that's what we 1132 01:01:58.320 --> 01:02:01.519 should pay for. We should never have to pay for 1133 01:02:01.639 --> 01:02:06.079 the times we don't give. We we don't expose people 1134 01:02:06.199 --> 01:02:06.679 to risk. 1135 01:02:06.800 --> 01:02:09.320 But Tom, what but what about what I just said? 1136 01:02:09.559 --> 01:02:13.519 All these telematics that people are very reluctant for, That's 1137 01:02:13.559 --> 01:02:15.960 basically what you're saying here. You're saying that they should 1138 01:02:16.000 --> 01:02:19.280 do telematics because that is what's charging. It's deriving the 1139 01:02:19.360 --> 01:02:23.599 rate off of how often you drive. I think that's well, yeah, 1140 01:02:23.679 --> 01:02:27.280 people don't a lot of your listeners do not like 1141 01:02:27.320 --> 01:02:31.480 the telematiccause. 1142 01:02:29.559 --> 01:02:33.280 Well, here's why, here's why. The real reason isn't because 1143 01:02:33.880 --> 01:02:36.599 of how much they drive, or where they drive, or 1144 01:02:36.599 --> 01:02:40.679 how they don't want they They probably don't want to 1145 01:02:40.719 --> 01:02:43.480 be judged on hardbreaking and speeding and going. 1146 01:02:43.559 --> 01:02:47.159 They don't want to be tracked. That's the common theme. 1147 01:02:47.440 --> 01:02:50.519 It's what I'm not talking about tracking the habits. I'm 1148 01:02:50.559 --> 01:02:53.800 talking about tracking the time you're exposed like. 1149 01:02:53.920 --> 01:02:56.880 Progressives whatever it's called. When you agree to that, you 1150 01:02:56.960 --> 01:02:57.400 agree to. 1151 01:02:57.480 --> 01:03:02.320 That shot, yeah, and it really like Okay, let me give. 1152 01:03:02.159 --> 01:03:04.440 You a great I want to give you a great example, 1153 01:03:05.360 --> 01:03:10.239 honest to God, a surgeon and malpractice. Now, if that 1154 01:03:10.440 --> 01:03:15.440 surgeon operates one day a week or one day a month, 1155 01:03:16.039 --> 01:03:21.880 or why do they pay the malpractice for every day? 1156 01:03:22.039 --> 01:03:24.880 Okay? Here, here's would be the flip side of that. 1157 01:03:25.000 --> 01:03:27.920 Maybe not specifically with your malpractice, but here's the problem. 1158 01:03:28.320 --> 01:03:30.880 If you are deriving a rate based off of someone 1159 01:03:30.960 --> 01:03:34.159 saying I'm driving one day a week, what happens if 1160 01:03:34.199 --> 01:03:36.239 they drive three days that week? Are you saying that 1161 01:03:36.280 --> 01:03:38.480 the insurance company wouldn't have to pay that claim any 1162 01:03:38.639 --> 01:03:41.360 That's exactly right, But that would never fly. That would 1163 01:03:41.519 --> 01:03:43.119 never fly, grow Brian. 1164 01:03:43.280 --> 01:03:46.159 Under today's system, it would never fly. But if you 1165 01:03:46.400 --> 01:03:50.280 lie and you cheat, you shouldn't be covered. What I'm 1166 01:03:50.320 --> 01:03:54.320 getting at is if you paid, and people would be 1167 01:03:54.679 --> 01:03:57.719 willing to pay more, they would be willing to pay 1168 01:03:57.760 --> 01:04:02.000 more because in the aggregate it's less if you pay 1169 01:04:02.079 --> 01:04:05.159 for certain days that you're at risk and you are 1170 01:04:05.199 --> 01:04:08.280 under exposure, the total will be less than if you 1171 01:04:08.400 --> 01:04:11.440 pay for every day, even though the per day charge 1172 01:04:11.559 --> 01:04:14.559 might be more, or the per hour charge might be more, 1173 01:04:15.079 --> 01:04:17.679 you would have more people participating. I believe it. 1174 01:04:17.599 --> 01:04:21.480 Would create so many people not having coverage at so 1175 01:04:21.559 --> 01:04:22.159 many times. 1176 01:04:22.199 --> 01:04:24.280 I think it would be just the opposite. I think 1177 01:04:24.320 --> 01:04:27.920 people who couldn't afford I think people who can't afford 1178 01:04:28.000 --> 01:04:32.239 covered now would actually consider because they're buying it for 1179 01:04:32.320 --> 01:04:34.360 a trip, or they're buying it for a day, or 1180 01:04:34.400 --> 01:04:35.039 they're buying it. 1181 01:04:35.119 --> 01:04:37.079 You're assuming those people aren't driving much. 1182 01:04:37.760 --> 01:04:39.280 Those people drive everywhere. 1183 01:04:40.079 --> 01:04:42.719 Yeah, I I would disagree on I'm not you. 1184 01:04:42.639 --> 01:04:48.400 Know, I'm not talking about the cheaters. I'm talking about people. 1185 01:04:49.119 --> 01:04:52.719 But so what there are cheaters now, Brian. They lie 1186 01:04:52.800 --> 01:04:55.840 to you about it and they're not covered if they lie. 1187 01:04:56.320 --> 01:04:59.719 It's very easy. If you say you drive an hour 1188 01:04:59.719 --> 01:05:03.679 away week and you don't, you're not covered. You're covered 1189 01:05:03.760 --> 01:05:06.320 for what you go on the app and say i'm 1190 01:05:06.400 --> 01:05:09.960 driving now, I'm not driving now, and if you lie, 1191 01:05:10.400 --> 01:05:15.719 I mean certainly, certainly there is technology available to know 1192 01:05:16.199 --> 01:05:18.599 when people are driving or not. And you know what 1193 01:05:18.960 --> 01:05:22.760 drone insurance is doing that? Why pay for drone insurance 1194 01:05:22.840 --> 01:05:25.960 every single day. If you're an aerial photographer and use 1195 01:05:26.000 --> 01:05:28.719 that drone a couple times a month, guess what they're doing. 1196 01:05:28.920 --> 01:05:31.159 They have an app. When that drone is in use, 1197 01:05:31.360 --> 01:05:34.519 you're paying. When it's not in use, you're not. What 1198 01:05:34.719 --> 01:05:37.440 is wrong with that? I mean, we have technology, for 1199 01:05:37.480 --> 01:05:38.559 God's sakes to do that. 1200 01:05:38.800 --> 01:05:41.119 Why are we paying? I want to ask you on 1201 01:05:41.199 --> 01:05:44.239 that exact example you gave. So the guys gat and 1202 01:05:44.280 --> 01:05:46.159 I'm assuming we're talking nice drones. 1203 01:05:46.159 --> 01:05:48.119 You're not going to win. Say okay, we got a break, 1204 01:05:47.920 --> 01:05:51.039 bark hold the thought please because I'm the one they're 1205 01:05:51.039 --> 01:05:57.360 getting mad at. We got more coming up. Go with 1206 01:05:57.440 --> 01:06:01.119 a sure thing Denver's best rufer Excelro dot com. You 1207 01:06:01.119 --> 01:06:06.920 don't pay a cent until you're content. Time for an 1208 01:06:06.920 --> 01:06:10.559 insurance check up free, no obligation. In comparison, call Compass 1209 01:06:10.599 --> 01:06:13.880 Insurance paying too much your coverage at dozens of insurance 1210 01:06:13.880 --> 01:06:16.360 companies find out now three O three seven to seven 1211 01:06:16.400 --> 01:06:19.159 to one help. You'll think you're his only customer When 1212 01:06:19.199 --> 01:06:21.679 you choose Frank durand the real estate Man dot com 1213 01:06:21.679 --> 01:06:24.800 to list your home with Remax Alliance three oh three 1214 01:06:24.880 --> 01:06:30.920 nine two zero sixteen twenty two Hey, Tom Martino here, 1215 01:06:30.960 --> 01:06:33.519 I'm still trying to pull in the video from the studio. 1216 01:06:34.400 --> 01:06:38.480 Mark's uggs are like breaking the thing, but it's we're trying. 1217 01:06:38.760 --> 01:06:39.280 We're trying. 1218 01:06:39.440 --> 01:06:42.360 Let's have a let's have an over under on when 1219 01:06:42.400 --> 01:06:43.400 he figures this out. 1220 01:06:43.679 --> 01:06:46.559 Hey, I'm doing pretty damn good. If you asked my 1221 01:06:46.679 --> 01:06:49.400 YouTube morons, I'm doing pretty damn good or so far 1222 01:06:49.519 --> 01:06:50.639 taking over in a pinch. 1223 01:06:50.760 --> 01:06:53.719 Yesterday, I'm reading is we can't hear Mark or people 1224 01:06:53.800 --> 01:06:56.960 or callers in the studio, but Tom's two left that. 1225 01:06:57.239 --> 01:06:58.920 That's what I read more than anything. 1226 01:06:58.920 --> 01:07:01.559 Wait a minute, a minute, How the hell did you 1227 01:07:01.679 --> 01:07:05.159 just show up? You just showed up in my obs 1228 01:07:05.360 --> 01:07:07.719 I swear to you. I just looked at it and 1229 01:07:07.880 --> 01:07:09.840 I'm gonna be putting you up. Oh no, now it 1230 01:07:09.880 --> 01:07:12.440 went away. How the hell did I just do? It 1231 01:07:12.480 --> 01:07:13.159 was a miracle. 1232 01:07:13.239 --> 01:07:16.800 Cody out there can appreciate my life. It was a miracle. 1233 01:07:16.920 --> 01:07:20.159 I just had you picked. I don't even know how 1234 01:07:20.199 --> 01:07:23.239 that you went into my program and then went out again. 1235 01:07:23.440 --> 01:07:27.000 Damn you. I don't know how that happened. Somehow it 1236 01:07:27.079 --> 01:07:29.880 worked and then it went away and you did anything. Well, 1237 01:07:29.920 --> 01:07:32.119 I'm trying. I'm looking I'm doing a show at the 1238 01:07:32.119 --> 01:07:35.239 same time I'm trying to get this done. Oh man, 1239 01:07:35.440 --> 01:07:38.800 let's just let's just go back to the phones. Okay, 1240 01:07:38.920 --> 01:07:41.119 three three seven Now, I got to get that on 1241 01:07:41.239 --> 01:07:47.400 me go with a sure thing Denver's best roofer Excel 1242 01:07:47.519 --> 01:07:50.599 Roofing dot com. You don't pay a cent until you're content. 1243 01:07:53.960 --> 01:07:57.159 Time for an insurance check up free, no obligation in comparison, 1244 01:07:57.280 --> 01:08:00.800 call Compass Insurance paying too much your bridge at dozens 1245 01:08:00.840 --> 01:08:03.599 of insurance companies find out now three all three seven 1246 01:08:03.679 --> 01:08:06.719 seven one help. You'll think you're his only customer when 1247 01:08:06.719 --> 01:08:09.199 you choose Frank durand the real estate Man dot com 1248 01:08:09.239 --> 01:08:12.360 to list your home with Remax Alliance three all three 1249 01:08:12.440 --> 01:08:18.399 nine two zero sixteen twenty two. Hi, Tom Martino your 1250 01:08:18.560 --> 01:08:23.199 trouble shooter three oh three seven one three talk three 1251 01:08:23.319 --> 01:08:26.720 seven one three eight two five five. Okay, so let 1252 01:08:26.760 --> 01:08:29.720 me uh let me try to get this comment on 1253 01:08:29.800 --> 01:08:39.039 insurance from Anthony. Go ahead, Anthony, Anthony, Am I speaking 1254 01:08:39.159 --> 01:08:43.039 to the win year drop Anthony. Okay, I'm going to 1255 01:08:43.119 --> 01:08:45.079 go to Tom. Then he has a question about insurance 1256 01:08:45.119 --> 01:08:48.439 for Compass. Tom, what's going on? 1257 01:08:50.079 --> 01:08:51.159 Hey, how a y'all doing? 1258 01:08:51.520 --> 01:08:52.720 Good man? What's your question? 1259 01:08:53.319 --> 01:08:56.600 Hey, so well, it's not a question, it's just a remark. 1260 01:08:57.479 --> 01:08:58.520 Uh. 1261 01:08:58.760 --> 01:09:02.439 I have three cars. I ensure every one of them. 1262 01:09:03.399 --> 01:09:06.159 Why do I have to ensure every one of them? 1263 01:09:06.159 --> 01:09:09.119 I can only drive one at a time. Why can't 1264 01:09:09.159 --> 01:09:13.520 I just have insurance on myself and I can drive 1265 01:09:13.640 --> 01:09:14.720 anything I want to? 1266 01:09:14.920 --> 01:09:15.239 You do? 1267 01:09:15.359 --> 01:09:16.279 Why do I have to. 1268 01:09:16.880 --> 01:09:19.520 Car insurance on three different cars? I can only drive 1269 01:09:19.560 --> 01:09:20.279 one at a time. 1270 01:09:21.359 --> 01:09:24.920 Now, that's called insurance on demand. And trust me when 1271 01:09:24.960 --> 01:09:29.279 I tell you, regardless of what these guys in the studio. 1272 01:09:28.960 --> 01:09:32.840 Tell you is coming, each one is individually covered because 1273 01:09:32.880 --> 01:09:35.239 of the price and the value of the vehicle, and 1274 01:09:35.359 --> 01:09:36.399 they mark Again. 1275 01:09:36.479 --> 01:09:39.680 We're not talking about again, We're not hold on man, 1276 01:09:39.720 --> 01:09:43.199 We're not talking about property. I'm talking about liability whenever 1277 01:09:43.239 --> 01:09:45.079 I talk about insurance on demand. 1278 01:09:45.159 --> 01:09:48.560 But don't you think liability rates change based on whether 1279 01:09:48.600 --> 01:09:50.920 you're driving a big rig or if you're driving a 1280 01:09:51.079 --> 01:09:53.239 small little car that's in a new very little damage. 1281 01:09:53.439 --> 01:09:57.119 Here's what I'm saying, rate it for the most dangerous one. 1282 01:09:57.319 --> 01:10:00.079 But if you pay on demand, that's all that matters. 1283 01:10:02.000 --> 01:10:05.279 If you pay on demand, you're not paying for useless time. 1284 01:10:05.680 --> 01:10:09.520 People would be willing to pay more per unit if 1285 01:10:09.520 --> 01:10:11.600 they used less units, but. 1286 01:10:11.560 --> 01:10:14.159 The rates are less if you are if you have 1287 01:10:14.279 --> 01:10:17.479 multiple cars and one driver, the rate is less, So 1288 01:10:17.600 --> 01:10:18.720 it is factored in. 1289 01:10:20.439 --> 01:10:23.000 You know what I feel like, Thomas Edison and I 1290 01:10:23.079 --> 01:10:25.800 discovered the light bulb, and I got all these guys 1291 01:10:25.800 --> 01:10:29.960 saying witchcraft, witchcraft. It's never gonna happen. It's witchcraft. We 1292 01:10:30.039 --> 01:10:32.960 got more coming up on the Troubleshooter Show. I'll let 1293 01:10:33.000 --> 01:10:37.000 Brian and Marco out hunting during the break and I'll 1294 01:10:37.000 --> 01:10:46.279 be here with modern technology. Go with a sure thing 1295 01:10:46.399 --> 01:10:49.680 Denver's best roofer Excel Roofing dot com. You don't pay 1296 01:10:49.720 --> 01:10:55.800 a cent until you're content. Time for an insurance check 1297 01:10:55.880 --> 01:10:59.680 up free, no obligation. In comparison, call Compass Insurance paying 1298 01:10:59.720 --> 01:11:02.520 too much much your coverage at dozens of insurance companies 1299 01:11:02.600 --> 01:11:05.199 find out now three all three seven seven one help. 1300 01:11:05.359 --> 01:11:08.000 You'll think you're his only customer when you choose Frank 1301 01:11:08.079 --> 01:11:10.520 durand the real estate Man dot com to list your 1302 01:11:10.560 --> 01:11:13.720 home with Remax Alliance three all three nine two zero 1303 01:11:13.800 --> 01:11:25.000 sixteen twenty two. Yeah, ripped of news need advice so 1304 01:11:25.159 --> 01:11:25.760 you don't have. 1305 01:11:27.960 --> 01:11:32.960 Come run in us astas as we can Shooter's gonna help. 1306 01:11:33.239 --> 01:11:35.239 Come man, This. 1307 01:11:35.880 --> 01:11:39.800 Is the Troubleshooter Show Now Tom Martino. 1308 01:11:41.000 --> 01:11:44.159 Hi, Tom Martino, Welcome to the show. Three oh three 1309 01:11:44.199 --> 01:11:48.319 seven one three talk seven one three eight two five five. 1310 01:11:48.439 --> 01:11:51.199 Welcome to the show. What is going on in your life? 1311 01:11:51.239 --> 01:11:57.319 One of the one of the discussions we're having, and welcome, 1312 01:11:57.359 --> 01:11:59.520 by the way to the show. One of the discussions 1313 01:11:59.520 --> 01:12:07.319 we're having is how to basically ensure people at a 1314 01:12:07.359 --> 01:12:12.960 more economical basis, and what we're doing we're also having 1315 01:12:12.960 --> 01:12:15.279 it is because we have the Insurance Health Center today, 1316 01:12:15.279 --> 01:12:17.760 we have Compass Insurance Group, and we're talking about insurance 1317 01:12:17.800 --> 01:12:23.880 coverage and how ridiculously expensive it's getting, and so many 1318 01:12:23.920 --> 01:12:29.880 things are going toward demand coverage and insurance on demand 1319 01:12:29.920 --> 01:12:33.560 has been a concept that has been bantered about is 1320 01:12:33.600 --> 01:12:38.520 it practical, Can it be done? I think it probably 1321 01:12:38.560 --> 01:12:42.720 could be done for almost anything, even collision coverage or 1322 01:12:43.000 --> 01:12:46.359 how apprehensive if you're gonna well, I'm talking about we're 1323 01:12:46.359 --> 01:12:48.439 talking about cars. Now. Obviously you can't do it for 1324 01:12:48.479 --> 01:12:52.680 health because with health you're constantly being exposed to risk. 1325 01:12:53.199 --> 01:12:55.560 With a car, you're not if a car is not 1326 01:12:55.800 --> 01:12:59.159 moving and in a garage and you choose not to 1327 01:12:59.199 --> 01:13:03.279 have comprehensive collision and liability. You should be able to 1328 01:13:03.319 --> 01:13:05.479 turn it off and then turn it on when you're 1329 01:13:05.520 --> 01:13:08.520 exposed to risk, and if you do it wrong, then 1330 01:13:08.560 --> 01:13:11.279 you're screwed. Just so what just like being uninsured, you're 1331 01:13:11.279 --> 01:13:12.279 screwed to They. 1332 01:13:12.239 --> 01:13:15.079 Do the big expensive, multimillion dollar cars for the rich 1333 01:13:15.119 --> 01:13:17.039 people that they own. They just say, hey, I'm going 1334 01:13:17.119 --> 01:13:19.079 to go drive this car for an hour, and then 1335 01:13:19.119 --> 01:13:21.560 they turn it on, and then they drive it around. 1336 01:13:21.600 --> 01:13:23.520 Then they drive it, Ryan, Is that true? That's good. 1337 01:13:23.560 --> 01:13:24.159 It's the thing. 1338 01:13:24.279 --> 01:13:25.199 I have not heard of this. 1339 01:13:25.960 --> 01:13:27.640 I have not heard of this. Hey, hey, I'm not 1340 01:13:27.800 --> 01:13:31.359 I'm not denying it. Dragon. I like that idea, and 1341 01:13:31.439 --> 01:13:33.920 I think that is what it's going to and then 1342 01:13:34.000 --> 01:13:35.399 my house catches on fire. 1343 01:13:35.600 --> 01:13:38.880 I do think you run. The problem behind that is 1344 01:13:38.880 --> 01:13:41.159 is that you have to remember to do this every time. 1345 01:13:41.319 --> 01:13:45.359 I think how they're doing it. The telematics accomplishes a 1346 01:13:45.359 --> 01:13:46.680 lot of what you're asking for. 1347 01:13:47.239 --> 01:13:49.239 If that's what they use it for, Brian, But that's 1348 01:13:49.319 --> 01:13:50.920 not really what they use it for. Well, it's not 1349 01:13:51.039 --> 01:13:54.319 telem use it for one for one reason, only to 1350 01:13:54.439 --> 01:13:55.319 raise your prices. 1351 01:13:55.560 --> 01:13:58.600 That's not true. It's it's deriving a rate that is 1352 01:13:58.640 --> 01:14:02.239 appropriate for the persons. So but they used my life 1353 01:14:02.239 --> 01:14:05.399 at the time of day driving. They also use why 1354 01:14:05.439 --> 01:14:07.359 shouldn't you have to pay more if you speed all 1355 01:14:07.399 --> 01:14:07.720 the time? 1356 01:14:07.880 --> 01:14:12.199 But of course you should go. But I totally agree. 1357 01:14:12.399 --> 01:14:14.560 I don't agree, and I'll tell you why. That's because 1358 01:14:14.560 --> 01:14:15.079 he speeds. 1359 01:14:15.119 --> 01:14:17.560 How about how about some normal no he does, some 1360 01:14:17.800 --> 01:14:23.520 normal person that's seventy one years old. Okay, okay, no, seriously, 1361 01:14:23.560 --> 01:14:29.319 and this person drives speed yeah whatever, they and they 1362 01:14:29.439 --> 01:14:32.319 drive it to speed limit seriously, and they drive right. 1363 01:14:32.520 --> 01:14:35.199 But somehow they end up in a couple fender benders 1364 01:14:35.399 --> 01:14:38.399 and they they did nothing wrong, and it just doesn't 1365 01:14:38.439 --> 01:14:40.840 even matter. They didn't do anything wrong, but they're just 1366 01:14:41.079 --> 01:14:44.399 accident prone. It happens they rear ended someone in a 1367 01:14:44.560 --> 01:14:45.600 drive through on accident. 1368 01:14:46.359 --> 01:14:48.399 For those things, well, that's fine. 1369 01:14:48.600 --> 01:14:50.239 But here's what I'm saying. 1370 01:14:50.680 --> 01:14:53.680 You've got a guy that speeds but is never ever 1371 01:14:53.840 --> 01:14:55.439 in an accident ever. 1372 01:14:56.199 --> 01:14:59.640 I do. I have made this argument before. But what 1373 01:14:59.680 --> 01:15:02.800 they'll come back to is when or if that person 1374 01:15:02.920 --> 01:15:04.560 does get into an accident, it's going to be a 1375 01:15:04.560 --> 01:15:07.159 serious accident. At that point. That's kind of an insurance 1376 01:15:07.159 --> 01:15:10.960 company's feedback to me when I say, well, why why 1377 01:15:11.000 --> 01:15:12.960 do you charge? Because I used to fight this battle, 1378 01:15:13.000 --> 01:15:15.760 I'd say, why do you charge for speeding tickets? If 1379 01:15:15.760 --> 01:15:18.560 they don't have any claims, they're not, They're not costing 1380 01:15:18.600 --> 01:15:21.479 you any money. But their point is that if and 1381 01:15:21.520 --> 01:15:23.359 when they do, it's going to be a lot of money. 1382 01:15:23.399 --> 01:15:27.479 Brian, I'm going one step past that. I'm saying they're 1383 01:15:27.600 --> 01:15:31.560 charging you higher when progressive, especially when you plug that 1384 01:15:31.720 --> 01:15:34.960 in and they see that you speed, heartbreak, whatever you 1385 01:15:35.000 --> 01:15:35.600 want to call it. 1386 01:15:35.760 --> 01:15:35.920 Yep. 1387 01:15:36.000 --> 01:15:36.960 But they had no. 1388 01:15:36.960 --> 01:15:40.800 Accidents, no speeding, no I know, no movie violations. 1389 01:15:41.039 --> 01:15:44.520 You did zero illegal, right, or at least you. 1390 01:15:44.479 --> 01:15:49.279 Didn't get caught, right, But your rates can double, that's right. 1391 01:15:49.399 --> 01:15:51.520 Yeah, you can be You can be surcharged, There's no 1392 01:15:51.560 --> 01:15:55.159 doubt about it. But but again, if people are saying, hey, 1393 01:15:55.239 --> 01:15:57.520 I want to be charged for what is appropriate, and 1394 01:15:57.560 --> 01:16:00.520 your point is that is appropriate because I didn't have accidents, 1395 01:16:00.520 --> 01:16:02.640 I didn't do anything wrong, but they would argue that. 1396 01:16:02.760 --> 01:16:05.279 Okay, I want to bring this up to chime in 1397 01:16:05.359 --> 01:16:05.880 on this one. 1398 01:16:06.239 --> 01:16:11.000 So wildly enough, I can get into a forty five 1399 01:16:11.119 --> 01:16:14.439 foot bus and drive it anywhere I want and I 1400 01:16:14.479 --> 01:16:17.720 don't have a CDL. I've happened to be doing it 1401 01:16:17.760 --> 01:16:20.840 for years now. They will charge me the same amount 1402 01:16:21.119 --> 01:16:23.560 as they would Scott, who's never done it in his 1403 01:16:23.800 --> 01:16:26.560 entire life. In fact, he might even have a better 1404 01:16:26.640 --> 01:16:28.640 rate than me based on his age. I don't know, 1405 01:16:28.960 --> 01:16:32.279 but no tickets know anything. I can drive around a 1406 01:16:32.399 --> 01:16:34.920 death machine if you want to call it that, because 1407 01:16:34.960 --> 01:16:39.119 it could literally blow through four, five, six seven cars 1408 01:16:39.159 --> 01:16:44.279 and kill everybody. But but but but he who's never 1409 01:16:44.399 --> 01:16:46.399 driven anything like that, it's going to be paying the 1410 01:16:46.439 --> 01:16:47.359 same exact rate. 1411 01:16:47.520 --> 01:16:47.960 Why is that? 1412 01:16:48.239 --> 01:16:51.159 Yeah, you're not surcharged for lack of experience on something 1413 01:16:51.239 --> 01:16:51.359 like that. 1414 01:16:51.560 --> 01:16:54.760 You're right speed and do it safely and don't get caught. 1415 01:16:54.880 --> 01:16:56.520 You get surcharged if. 1416 01:16:56.399 --> 01:16:58.840 You're using that kind of app Yes, if you're using 1417 01:16:58.840 --> 01:16:59.600 the telematics. 1418 01:17:00.800 --> 01:17:03.560 So why is that? Because? I mean, insurance is not perfect. 1419 01:17:03.600 --> 01:17:06.720 We know that. But I will say that there's got 1420 01:17:06.760 --> 01:17:09.840 to be something now. For example, if it's nice weather out, 1421 01:17:09.880 --> 01:17:12.000 you shouldn't have to pay for hailing run. I'm just kidding. 1422 01:17:12.279 --> 01:17:17.359 That's right, listen, I really that's the slippery slope you're on. 1423 01:17:17.640 --> 01:17:23.760 No mark, It really isn't. Because I could. The analogies 1424 01:17:23.800 --> 01:17:26.600 are so not the same. If you have a house 1425 01:17:26.680 --> 01:17:30.680 exposed constantly to the elements it's exposed. If you have 1426 01:17:30.760 --> 01:17:35.319 a car not being driven and being garage, you should 1427 01:17:35.319 --> 01:17:37.600 have the choice of covering it or not. 1428 01:17:37.479 --> 01:17:40.399 But you do. You just not on a daily basis, 1429 01:17:40.439 --> 01:17:42.800 like you're you're wanting. Let's say you you have a 1430 01:17:42.840 --> 01:17:46.680 car that you are parking for the winter, you would 1431 01:17:46.680 --> 01:17:49.560 just suspend coverage on it, and you could keep comprehensive 1432 01:17:49.600 --> 01:17:51.279 even in that case, so that if there was a 1433 01:17:51.319 --> 01:17:53.479 house fire or something that would still be covered. Someone 1434 01:17:53.520 --> 01:17:55.600 broke in and stole it. But you're not paying for 1435 01:17:55.680 --> 01:17:59.720 liability if you're not driving it. They just most companies. 1436 01:17:59.720 --> 01:18:02.039 You're wanting to take a step further and say, I 1437 01:18:02.039 --> 01:18:04.880 would like to do that on a daily, weekly type 1438 01:18:04.880 --> 01:18:05.359 of basis. 1439 01:18:05.640 --> 01:18:07.479 But what I don't like about what he's saying is 1440 01:18:07.479 --> 01:18:12.000 a liability part, because I think people will forget and 1441 01:18:12.039 --> 01:18:15.119 then they end up in big trouble themselves, like they 1442 01:18:15.159 --> 01:18:16.439 have no coverage ship. 1443 01:18:16.399 --> 01:18:18.319 You know, I mean forget it. I mean it's just 1444 01:18:18.399 --> 01:18:21.079 like if you forget to pay your favor What if 1445 01:18:21.119 --> 01:18:23.640 you forget to pay what if you forget to pay 1446 01:18:23.680 --> 01:18:26.359 your premium mark. I mean, come on, but you know 1447 01:18:26.479 --> 01:18:29.119 there's got to be responsibility. 1448 01:18:29.560 --> 01:18:32.039 There is safeguards to that, because you get the notification 1449 01:18:32.079 --> 01:18:34.319 that it's canceling, then you're getting a notice that it's canceled. 1450 01:18:34.359 --> 01:18:37.159 In this case, it's solely on you to remember to 1451 01:18:37.199 --> 01:18:40.800 turn your insurance on that day. In your scenario, I 1452 01:18:40.840 --> 01:18:41.880 just think phone. 1453 01:18:41.680 --> 01:18:43.640 Breaks or however you access your. 1454 01:18:43.560 --> 01:18:46.880 App or lose it or and liability is the big one. 1455 01:18:46.920 --> 01:18:49.399 You're you're talking about Tom that you're concerned about the 1456 01:18:49.399 --> 01:18:52.039 liability cost on your auto policy. Unless you have a 1457 01:18:52.039 --> 01:18:55.600 lot of tickets. Access isn't that much. The liability cost 1458 01:18:55.720 --> 01:18:57.520 is not that much on your auto insurance. 1459 01:19:00.119 --> 01:19:02.760 Well, he's mad that we're pooh poohing his idea. No, 1460 01:19:02.960 --> 01:19:05.840 it's Thomas. I'm mad at all because it's going to 1461 01:19:05.920 --> 01:19:08.600 happen no matter what you do, it's going to happen. Well, 1462 01:19:08.600 --> 01:19:08.880 they do. 1463 01:19:09.000 --> 01:19:11.560 They Well a daily insurance now I know that for 1464 01:19:11.600 --> 01:19:13.359 a fact. I don't know how it works or what 1465 01:19:13.439 --> 01:19:16.239 it covers. But you pay every day you log in 1466 01:19:16.279 --> 01:19:18.119 and give him three bucks or whatever it is. 1467 01:19:19.319 --> 01:19:22.159 I think. But that's for the days. I'm sure that's 1468 01:19:22.199 --> 01:19:24.640 for the days you're driving. I don't think you log 1469 01:19:24.680 --> 01:19:27.920 in every day and pay. I think that you pay 1470 01:19:28.039 --> 01:19:31.199 for what you're driving for when you're driving. I would 1471 01:19:31.239 --> 01:19:32.920 love to hear from someone that's using it. 1472 01:19:33.000 --> 01:19:36.920 Well, you mentionedgo they're not in Colorado, so it's probably 1473 01:19:36.960 --> 01:19:39.760 a state by state basis whether it's even available. 1474 01:19:39.359 --> 01:19:41.359 Or the ones that I've looked up, or like Georgia 1475 01:19:41.359 --> 01:19:44.439 and Mississippi. Yeah, like they're based out of the Appalachians. 1476 01:19:45.039 --> 01:19:47.399 Bob wants to talk about something. He's on the phone. 1477 01:19:47.399 --> 01:19:54.079 Go ahead, Bob, Bob's going to Okay, Well, these people 1478 01:19:54.199 --> 01:19:54.800 they come on. 1479 01:19:55.000 --> 01:19:57.439 To talk about Bob called back in. I'll tell you exactly. 1480 01:19:57.479 --> 01:20:00.319 You know what he wants to talk about. He doesn't 1481 01:20:00.359 --> 01:20:03.479 mind getting money up front. That's the same conversation we've had. 1482 01:20:03.640 --> 01:20:04.279 I like Boss. 1483 01:20:04.359 --> 01:20:06.279 He's a great guy who's a friend of the show. 1484 01:20:06.479 --> 01:20:09.279 He goes out, he helps people, he's a great landscaper. 1485 01:20:09.560 --> 01:20:12.239 But he believes in getting paid upfront. So I don't 1486 01:20:12.239 --> 01:20:12.880 know what else say. 1487 01:20:13.560 --> 01:20:18.720 I don't believe in general with money upfront. I do 1488 01:20:18.800 --> 01:20:25.439 believe that if you have materials ordered for jobs, that's different, 1489 01:20:25.800 --> 01:20:28.560 or if you did design work or you did something. 1490 01:20:29.479 --> 01:20:32.560 Here's what a lot of contractors tell me. The reason 1491 01:20:32.560 --> 01:20:35.119 they get money upfront is because they clear their schedule 1492 01:20:35.199 --> 01:20:38.159 for that day. So let's say they have five days 1493 01:20:38.159 --> 01:20:41.920 and three people scheduled, and to fill up those five days, 1494 01:20:42.239 --> 01:20:45.720 and if all three people say never mind because they 1495 01:20:45.720 --> 01:20:48.239 don't have skin in the game, they have a week 1496 01:20:48.600 --> 01:20:53.000 of openness. Now, to some degree, I can see that. 1497 01:20:53.199 --> 01:20:58.760 To some degree. My thing for that is get a 1498 01:20:58.800 --> 01:21:02.760 contract signed, get a contract signed with a start date, 1499 01:21:03.279 --> 01:21:06.720 and if they cancel, then have a cancelation clause. That's fine, 1500 01:21:07.159 --> 01:21:11.279 But why money upfront? See, that's the point I'm trying 1501 01:21:11.279 --> 01:21:15.039 to make is money upfront, no matter what puts the 1502 01:21:15.079 --> 01:21:19.359 consumer at risk. Now businesss are going to say, well, 1503 01:21:20.399 --> 01:21:22.960 not money up from puts the business at risk. That's 1504 01:21:23.000 --> 01:21:26.560 exactly right, and that's where the risk should be. The 1505 01:21:26.720 --> 01:21:30.840 risks should always be on the business. Well that you're 1506 01:21:30.880 --> 01:21:34.520 in business, you take risks, you make money, that's what 1507 01:21:34.560 --> 01:21:36.840 you do. The other thing comes down to common sense. 1508 01:21:36.960 --> 01:21:39.520 I mean, we call it a referral list because they 1509 01:21:39.560 --> 01:21:41.239 truly are referrals from us. 1510 01:21:41.479 --> 01:21:44.760 These are people we've known, these are people we do trust. 1511 01:21:44.800 --> 01:21:48.760 So that's different than handing money to someone over on 1512 01:21:49.039 --> 01:21:53.319 Facebook ads. That's going to do a job for one 1513 01:21:53.359 --> 01:21:55.479 third of the cost of that job anywhere else. I 1514 01:21:55.479 --> 01:21:59.159 mean there's there's stupidity involved in these decisions as. 1515 01:21:59.039 --> 01:22:04.319 Well, absolutely three oh three seven one three talks seven 1516 01:22:04.399 --> 01:22:08.960 one three eight two five five. So uh, however you feel, 1517 01:22:10.239 --> 01:22:14.680 let me know. I just believe you're safer always if 1518 01:22:14.720 --> 01:22:17.560 you do not put money down. By the way, renew 1519 01:22:17.560 --> 01:22:20.760 Home Innovations your people to come in and do your 1520 01:22:20.840 --> 01:22:23.960 shower conversion in two or three days with seventy two 1521 01:22:24.039 --> 01:22:28.600 months to pay no interest. No one does that seventy 1522 01:22:28.640 --> 01:22:31.840 two months no interest, Beautiful showers custom made for your 1523 01:22:31.880 --> 01:22:35.039 movement and design. Renew Home Innovations dot com three oh 1524 01:22:35.119 --> 01:22:43.199 three nine zero four two thousand. Go with a sure 1525 01:22:43.319 --> 01:22:46.760 thing Denver's best roofer Excel Roofing dot com. You don't 1526 01:22:46.760 --> 01:22:52.800 pay a cent until you're content. Time for an insurance 1527 01:22:52.880 --> 01:22:56.600 check up free, no obligation. In comparison, call Compass Insurance 1528 01:22:56.760 --> 01:22:59.720 paying too much your coverage at dozens of insurance companies 1529 01:23:00.119 --> 01:23:02.439 out now three all three seven seven to one help. 1530 01:23:02.600 --> 01:23:05.239 You'll think you're his only customer when you choose Frank 1531 01:23:05.319 --> 01:23:07.760 durand the real estate Man dot com to list your 1532 01:23:07.800 --> 01:23:10.960 home with Remax Alliance three all three nine two zero 1533 01:23:11.039 --> 01:23:18.479 sixteen twenty two. So I'm going to do a new one. Hi, 1534 01:23:18.840 --> 01:23:24.520 Tom Martino, your troubleshooter three three seven one three talk. 1535 01:23:25.359 --> 01:23:27.000 I bet by the end of the show, I have 1536 01:23:27.119 --> 01:23:30.199 the studio video up and running. Antoinette, your turn. What's 1537 01:23:30.239 --> 01:23:34.079 going on? Antoinette, Hunter Bucks, Antoinette, what's going on? Now? 1538 01:23:34.119 --> 01:23:36.680 You didn't hear me say, yes, what's going on? Anternette? 1539 01:23:39.159 --> 01:23:39.880 What's happening? 1540 01:23:40.880 --> 01:23:43.119 I live here in Arizona, and I live on the 1541 01:23:43.199 --> 01:23:49.600 Mexican border between America and US, and it's in Arizona, Yeah, 1542 01:23:48.920 --> 01:23:54.000 the Stanfield side. Anyway, I went on a little vacation 1543 01:23:54.159 --> 01:23:58.720 on Thursday before the Memorial Day weekend. Yeah, everything was 1544 01:23:58.760 --> 01:24:01.880 fine on my vehicles, in my house, everything was fine. 1545 01:24:02.359 --> 01:24:08.439 I got back on Tuesday and they stole eleven vehicles 1546 01:24:08.640 --> 01:24:12.960 and uh ten, Now who is they? 1547 01:24:13.119 --> 01:24:16.119 Who is they? They are? 1548 01:24:17.039 --> 01:24:19.960 I'm in the courthouse right now, getting ready to go 1549 01:24:20.039 --> 01:24:20.880 to court right now. 1550 01:24:21.079 --> 01:24:23.960 Wait a minute, So so hold on, Antoinette, you're you're 1551 01:24:24.000 --> 01:24:26.760 skipping way ahead. You said they stole. So they were 1552 01:24:26.840 --> 01:24:29.479 arrested already, and you know who they are, or you 1553 01:24:29.479 --> 01:24:30.079 think you do. 1554 01:24:30.199 --> 01:24:33.600 Oh, they only they only arrested one. Tom just one. 1555 01:24:34.159 --> 01:24:36.880 And and who did they arrest? Was it a Mexican national? 1556 01:24:38.680 --> 01:24:41.039 I haven't seen him yet in face to face, so 1557 01:24:41.079 --> 01:24:42.319 I'm not sure if he's a Mexican. 1558 01:24:42.399 --> 01:24:44.199 Okay, okay. 1559 01:24:44.920 --> 01:24:46.800 The reason I mentioned that is because you said you 1560 01:24:46.840 --> 01:24:49.159 live on the border. That's the only reason I was 1561 01:24:49.199 --> 01:24:52.960 wondering why she said that as well. Yeah, so okay, 1562 01:24:53.000 --> 01:24:55.000 so you're going to court and what's going on. 1563 01:24:56.800 --> 01:25:00.119 I guess it's his preliminary as like a ten thous 1564 01:25:00.239 --> 01:25:03.279 dollars to get out of jail. And they caught him 1565 01:25:03.359 --> 01:25:08.199 on my land and they took his truck away from 1566 01:25:08.239 --> 01:25:11.239 him and they impounded it. But he's in court, going 1567 01:25:11.279 --> 01:25:13.640 to be in court now this morning, and supposedly they're 1568 01:25:13.640 --> 01:25:15.000 going to kick him out on the street. 1569 01:25:17.000 --> 01:25:19.520 Well, so what's the point. Oh you mean you don't 1570 01:25:19.600 --> 01:25:21.720 like him getting out, is what you're saying. My god, 1571 01:25:21.760 --> 01:25:25.199 I mean he's changed her life, she said. Eleven vehicles. 1572 01:25:25.720 --> 01:25:29.840 Yeah, and he destroyed my house three bedroom, two bathrooms. 1573 01:25:29.920 --> 01:25:32.159 My god, what state do you live in? 1574 01:25:33.239 --> 01:25:36.760 I live in Arizona. You know where Cossa Grande is. 1575 01:25:37.319 --> 01:25:41.359 I No, I don't, but okay, well I live South Americopa. 1576 01:25:41.439 --> 01:25:46.439 The casino on I eight I got you that. 1577 01:25:46.640 --> 01:25:48.760 Actually, I to know where that is, believe it or not. 1578 01:25:49.319 --> 01:25:50.960 I used to bring my grandmother there. 1579 01:25:51.840 --> 01:25:58.439 Okay, well that's where I raised two little girls, graduated 1580 01:25:58.439 --> 01:26:01.399 from Cossa Grande High School, and we did very well 1581 01:26:01.479 --> 01:26:05.600 until my husband passed away. And because they busted Chopel Guzman, 1582 01:26:05.680 --> 01:26:09.039 I was no longer protected out there and I had 1583 01:26:09.079 --> 01:26:13.000 to move into the city because the cartel cannot make 1584 01:26:13.079 --> 01:26:14.880 up their minds what the hell they wanted to do? 1585 01:26:14.920 --> 01:26:15.319 You got it? 1586 01:26:15.319 --> 01:26:17.079 I'll tell you how you change it. You vote the 1587 01:26:17.079 --> 01:26:19.399 proper direction. That's how you change this stuff. 1588 01:26:19.439 --> 01:26:19.600 One. 1589 01:26:19.760 --> 01:26:21.800 That one Trump by far. 1590 01:26:21.920 --> 01:26:24.640 That is Trump, Yes, ma'am, yeah, that's Trump. 1591 01:26:24.760 --> 01:26:27.880 I mean, I don't know what to say when someone ramsacks, 1592 01:26:27.960 --> 01:26:31.960 destroys her house, steals eleven vehicles and he's getting cut 1593 01:26:32.000 --> 01:26:34.960 to the street. But we've seen people beat up cops 1594 01:26:34.960 --> 01:26:37.640 on TV in New York, beat the crap out of them, 1595 01:26:37.880 --> 01:26:40.439 kick them, almost kill them, and they cut them free 1596 01:26:40.479 --> 01:26:43.600 for free. So I guess we shouldn't be surprised that 1597 01:26:43.760 --> 01:26:47.720 this poor lady's life is upside down now because of 1598 01:26:47.840 --> 01:26:49.399 a bunch of morons. 1599 01:26:50.079 --> 01:26:53.159 That's correct. They destroyed about two hundred and fifty thousand 1600 01:26:53.239 --> 01:26:55.920 dollars worth of land. I have one point eight nine 1601 01:26:56.039 --> 01:27:01.640 acres out there, and they destroyed everything in order to 1602 01:27:01.680 --> 01:27:06.720 get my vehicles from the salvage yard. I have to 1603 01:27:06.840 --> 01:27:10.119 pay to remove them from his salvage yard, and he 1604 01:27:10.159 --> 01:27:11.800 gave me one week. 1605 01:27:11.960 --> 01:27:16.800 To remove them. It's crazy. I don't There's not much 1606 01:27:16.840 --> 01:27:19.279 we can do for you except let you. 1607 01:27:19.079 --> 01:27:23.039 Let everyone know how you're screwed by this. Yeah, there's 1608 01:27:23.079 --> 01:27:24.760 not a damn thing you can do. Well, you can 1609 01:27:24.800 --> 01:27:27.359 move to Denver, you know, if you want to join 1610 01:27:27.399 --> 01:27:28.840 a Venezuelan gang. 1611 01:27:30.760 --> 01:27:37.880 I think I'll stay with these cartails down here. At 1612 01:27:37.960 --> 01:27:39.800 least I don't have to worry about all them tattoo 1613 01:27:39.880 --> 01:27:41.039 boys coming in the house. 1614 01:27:41.119 --> 01:27:42.800 And you know, I don't know. 1615 01:27:43.199 --> 01:27:46.039 I just know that we had an elderly gentleman that 1616 01:27:46.159 --> 01:27:49.399 went to court and he shot one of the five 1617 01:27:49.479 --> 01:27:54.960 cartels and the drug people and they let the old 1618 01:27:55.039 --> 01:27:57.960 man go. And I'm gonna go into court right now 1619 01:27:58.119 --> 01:28:01.359 against this gentleman and see but they already told me. 1620 01:28:01.439 --> 01:28:03.760 The DA told me that they're going to turn him lose. 1621 01:28:04.640 --> 01:28:08.159 I'm not real happy. I think that I should own 1622 01:28:08.279 --> 01:28:12.319 his truck that they impounded, and I think that he 1623 01:28:12.359 --> 01:28:13.159 should listen. 1624 01:28:13.199 --> 01:28:15.760 In all seriousness, you can talk to the DA and 1625 01:28:15.800 --> 01:28:17.800 go after that kind of stuff. Now, I doubt you'll 1626 01:28:17.840 --> 01:28:22.000 ever see anything. But you can ask to get repaid 1627 01:28:22.000 --> 01:28:24.159 for all the damages. But that would mean the person 1628 01:28:24.159 --> 01:28:27.000 would actually have to get a real job. So I 1629 01:28:27.079 --> 01:28:29.079 doubt any of that's going to happen. But you can 1630 01:28:29.159 --> 01:28:29.960 ask for stuff. 1631 01:28:30.920 --> 01:28:33.560 Oh you know what they tell you in that situation. 1632 01:28:34.079 --> 01:28:36.359 You can't get blood out of a turn up, Missus 1633 01:28:36.359 --> 01:28:39.119 Palmer is what they say. 1634 01:28:41.479 --> 01:28:43.600 Yeah, it is a true statement. It's kind of a 1635 01:28:43.640 --> 01:28:47.239 sad statement, but it's true. It's sad and true. 1636 01:28:48.439 --> 01:28:50.239 Okay, Well, omen look, I. 1637 01:28:50.239 --> 01:28:53.600 Mean I don't know what to say speaking of which 1638 01:28:54.640 --> 01:28:57.439 if uh man, if you think about this, this is 1639 01:28:57.800 --> 01:29:03.720 just unbelieve. Yeah it is. Now speaking of that, I 1640 01:29:03.760 --> 01:29:06.720 know Mark is dying to talk about this. He says, 1641 01:29:06.720 --> 01:29:10.239 you got to vote another way. I'm just going to 1642 01:29:10.319 --> 01:29:14.319 say something Tonight's Hey, if you want to at least 1643 01:29:14.520 --> 01:29:17.399 make crime less of a problem, you do have to 1644 01:29:17.439 --> 01:29:20.880 vote another way. I'm not disagreeing with you that when 1645 01:29:20.920 --> 01:29:22.720 things don't work, you go the other way, and you 1646 01:29:22.800 --> 01:29:24.760 go back and forth until you know and you never 1647 01:29:24.800 --> 01:29:28.439 have a lopsided government. Should vote your conscience. You really should. 1648 01:29:28.520 --> 01:29:30.800 I mean, if things aren't going your way, a lot 1649 01:29:30.800 --> 01:29:32.960 of people do. Like listen, Tom, I'll be the first 1650 01:29:33.000 --> 01:29:36.600 to say, there's a lot of people that probably benefited 1651 01:29:37.479 --> 01:29:40.800 from different things that change, like healthcare through Obama, there 1652 01:29:40.840 --> 01:29:43.800 was a lot of people that didn't have coverage. Now, unfortunately, 1653 01:29:43.840 --> 01:29:45.880 there was a lot of people that ended up paying 1654 01:29:46.000 --> 01:29:49.680 a lot more for coverage and more taxes in order 1655 01:29:49.720 --> 01:29:51.439 to cover those people that didn't have it. 1656 01:29:51.720 --> 01:29:54.960 So it all depends. If I was someone that didn't have. 1657 01:29:54.960 --> 01:29:58.199 That coverage, I would vote for Obama once again for 1658 01:29:58.279 --> 01:30:01.439 that matter, or Harris, but it's just not the way 1659 01:30:01.439 --> 01:30:01.760 it is. 1660 01:30:04.600 --> 01:30:06.960 Yeah, that's true. That's true. 1661 01:30:07.039 --> 01:30:09.560 I mean, don't you vote your circumstance or are you 1662 01:30:09.640 --> 01:30:11.439 voting someone else's circumstances? 1663 01:30:11.439 --> 01:30:13.920 Of course, you vote your own, of course. But here's 1664 01:30:13.960 --> 01:30:15.680 what I think. And I know you don't want to 1665 01:30:15.720 --> 01:30:19.880 hear it, but god, I just know he's going to lose. Yeah, 1666 01:30:19.920 --> 01:30:22.079 I know, you know what. I'm not even gonna I'm 1667 01:30:22.079 --> 01:30:25.439 not taking your bait, dude, there's no there's no bait. 1668 01:30:25.479 --> 01:30:27.760 He's going to lose. Okay, Well he's going to lose. 1669 01:30:27.800 --> 01:30:29.119 And can we flash back. 1670 01:30:29.000 --> 01:30:32.279 To twenty sixteen. For a minute, say it again, Tom, 1671 01:30:32.319 --> 01:30:33.520 I want to hear it. How he was going to 1672 01:30:33.560 --> 01:30:35.479 lose that? Or are you going to deny that you 1673 01:30:35.560 --> 01:30:36.560 said that for a year. 1674 01:30:36.680 --> 01:30:37.760 No, I didn't deny it. 1675 01:30:37.800 --> 01:30:40.439 So you're you're telling you you're you're not going you 1676 01:30:40.520 --> 01:30:42.119 were wrong in it? 1677 01:30:42.239 --> 01:30:45.359 That is that going to lose? Because wait, wait, you're 1678 01:30:45.439 --> 01:30:48.000 you're noticed what I said. I didn't say she's going 1679 01:30:48.000 --> 01:30:50.840 to I didn't say she's going to win, did you. 1680 01:30:50.920 --> 01:30:54.199 I didn't say the same thing in sixteen. I didn't 1681 01:30:54.239 --> 01:30:55.960 say she's going to What I said? 1682 01:30:56.239 --> 01:30:59.680 My god, Now, I I you're not You're not being 1683 01:31:00.000 --> 01:31:00.920 about Parris's election. 1684 01:31:01.159 --> 01:31:04.479 I'm talking, I, of course about your record of being right. 1685 01:31:04.720 --> 01:31:07.119 Did you not say there was no way in hell 1686 01:31:07.520 --> 01:31:10.039 that our current president was going to drop out? 1687 01:31:10.399 --> 01:31:12.000 Was that not you as well? 1688 01:31:12.279 --> 01:31:12.479 Yeah? 1689 01:31:12.479 --> 01:31:14.359 I said that, OK. And I also said, you say 1690 01:31:14.399 --> 01:31:17.760 Trump wouldn't win in a million years in sixteen, not 1691 01:31:17.840 --> 01:31:21.840 in a millionaires. I said he wouldn't win. Ever, Well, 1692 01:31:21.960 --> 01:31:24.079 I didn't say ever. I was saying that election. I 1693 01:31:24.119 --> 01:31:26.239 never looked forward. Mark, You want to know the truth, 1694 01:31:26.279 --> 01:31:28.600 I said he's not going to win. I thought Hillary 1695 01:31:28.680 --> 01:31:30.960 was going to win. I guess is pointing out your 1696 01:31:31.000 --> 01:31:34.600 track record. Okay, good, But here's the thing. It's not 1697 01:31:34.680 --> 01:31:37.840 that the he's doing everything he can to lose. The 1698 01:31:38.119 --> 01:31:44.039 guy just, oh my god, his most recent statement that 1699 01:31:44.119 --> 01:31:47.439 he's going to prosecute and go after everyone who defrauded 1700 01:31:47.439 --> 01:31:50.000 the election in twenty twenty. Okay, and do you have 1701 01:31:50.119 --> 01:31:53.000 audio of this? I'm just curious. Yeah, in fact, I 1702 01:31:53.119 --> 01:31:55.359 listened to it this morning. Yes, why don't you look 1703 01:31:55.359 --> 01:31:57.800 at it? I don't mark here, unlike you, I don't 1704 01:31:57.800 --> 01:32:00.279 look at just one source of news. Now, I want 1705 01:32:00.279 --> 01:32:03.640 to make this clear. I am not talking about my 1706 01:32:03.760 --> 01:32:08.000 personal preferences. I am saying that I feel he's doing 1707 01:32:08.119 --> 01:32:11.720 everything he can in his power to lose. I don't 1708 01:32:11.760 --> 01:32:15.840 know why. Well, sorry, but he is. You don't think 1709 01:32:15.880 --> 01:32:18.960 he is. Just think he's You think he's talking like 1710 01:32:19.000 --> 01:32:22.760 a presidential candidate. Yes, well I don't think he's think 1711 01:32:22.800 --> 01:32:27.359 he's talking now. I think he's talking like most of 1712 01:32:27.439 --> 01:32:29.600 us want to hear right now. Well, I don't know 1713 01:32:29.640 --> 01:32:31.279 if they do or not, but maybe they do. Who 1714 01:32:31.319 --> 01:32:34.199 are you listening to? Kamala? Who is now changed? 1715 01:32:34.279 --> 01:32:37.600 Listening who is now sitting He changed every opinion she's 1716 01:32:37.600 --> 01:32:40.399 ever had. I don't want fracking. Now I do want fracking. 1717 01:32:40.520 --> 01:32:43.520 I don't want those now, I'm not tis I see Mark. 1718 01:32:43.600 --> 01:32:46.840 Now here's I don't want to border. Now will you 1719 01:32:46.920 --> 01:32:50.720 listen anything? Because he says. 1720 01:32:49.880 --> 01:32:53.520 Mark, I'm not. I'm not holding up Kamala as a 1721 01:32:53.560 --> 01:32:56.880 wonderful person in candidate. In fact, I don't want her 1722 01:32:56.920 --> 01:33:00.600 to win. See here's where you you flaw. You believe 1723 01:33:01.079 --> 01:33:05.319 because I bring out Mark. You believe because I bring 1724 01:33:05.479 --> 01:33:09.880 out the deficiencies of Trump and the personality defects. You 1725 01:33:09.920 --> 01:33:12.840 think I'm automatically going for the other side. 1726 01:33:12.960 --> 01:33:15.600 Don't look at him as defects. I am pointing out. 1727 01:33:15.640 --> 01:33:18.680 I don't think their defects. If Trump wasn't Trump, he 1728 01:33:18.680 --> 01:33:21.600 wouldn't have been in in sixteen, if he got up 1729 01:33:21.640 --> 01:33:22.279 there until. 1730 01:33:22.119 --> 01:33:24.239 I don't think he could be You don't think he 1731 01:33:24.279 --> 01:33:26.840 could have been in. You don't think he could win 1732 01:33:26.920 --> 01:33:29.960 more people by having just a little more decordus. 1733 01:33:29.439 --> 01:33:35.000 I've got this strongest base of anybody ever in modern history, 1734 01:33:35.520 --> 01:33:37.439 the strongest base ever. 1735 01:33:37.560 --> 01:33:41.359 You know you can So here's the deal. If you 1736 01:33:41.479 --> 01:33:46.239 feel he's perfect, that's wonderful. I just feel like he is. 1737 01:33:47.079 --> 01:33:51.840 He He he pisses people, He drives people away, who 1738 01:33:51.920 --> 01:33:56.000 want to vote Republican. That's what I think. I think 1739 01:33:56.039 --> 01:33:58.920 he does more to harm him, dam nimself. You don't 1740 01:33:59.600 --> 01:34:01.359 come on, I mean, how many times are you gonna 1741 01:34:01.359 --> 01:34:02.960 ask me? Tom Well? 1742 01:34:03.039 --> 01:34:04.840 Honest to god, I mean, I don't even know what 1743 01:34:04.960 --> 01:34:07.920 to say to that. If Trump wasn't Trump, he would 1744 01:34:07.960 --> 01:34:11.359 have never won in sixteen. It wouldn't have happened. If 1745 01:34:11.359 --> 01:34:14.800 he wasn't boisterous, and he didn't give people names, and 1746 01:34:14.880 --> 01:34:17.159 I don't care if we were talking about the primaries 1747 01:34:17.439 --> 01:34:20.800 or direct opponents. If he wasn't him, it would have 1748 01:34:20.880 --> 01:34:21.800 never happened. 1749 01:34:23.479 --> 01:34:28.000 Well, I disagree, okay, I think he could do better. 1750 01:34:28.399 --> 01:34:31.560 I think he's divided the Trump was a statesman. 1751 01:34:31.920 --> 01:34:34.119 I mean, I'm not saying I'm not even saying he 1752 01:34:34.159 --> 01:34:36.760 should be a statesman and I original to. 1753 01:34:36.680 --> 01:34:40.079 Be a politician. But I think people can be a 1754 01:34:40.159 --> 01:34:45.199 little he can, he can, he can do better. I think. 1755 01:34:45.560 --> 01:34:49.319 Now you know, will he win? I hope he does, 1756 01:34:49.359 --> 01:34:52.680 only because we have lopsided government. I think he should 1757 01:34:52.720 --> 01:34:58.720 because at least that'll let other, uh, other conservative values 1758 01:34:58.760 --> 01:35:01.479 and thoughts into the govern where we're too far left 1759 01:35:01.560 --> 01:35:03.880 right now, That's what I believe, Okay, that's what I believe. 1760 01:35:04.159 --> 01:35:06.640 But I think he's doing everything that I'm just saying. 1761 01:35:06.840 --> 01:35:09.840 I fear, maybe I should say, I fear that he's 1762 01:35:09.840 --> 01:35:13.159 doing everything he can to piss people off, even people 1763 01:35:13.159 --> 01:35:16.000 who want to vote for him. They look at him 1764 01:35:16.119 --> 01:35:18.960 and some of them they're just sick and tired of it, 1765 01:35:19.520 --> 01:35:21.560 and they're saying, why don't you be a little nicer 1766 01:35:21.560 --> 01:35:21.920 for guys? 1767 01:35:22.000 --> 01:35:24.479 Oh, they're going to vote for the socialist. No, I 1768 01:35:24.479 --> 01:35:26.640 didn't say that. Well, I actually then and then none 1769 01:35:26.680 --> 01:35:28.319 of it matters, honestly. 1770 01:35:28.600 --> 01:35:32.279 Well, I think, well, no, I okay, I should amend that. No. 1771 01:35:32.479 --> 01:35:35.399 I do believe a lot of independence will vote for 1772 01:35:35.479 --> 01:35:40.680 Kamala because here's why they hate Trump. Okay, and and 1773 01:35:40.720 --> 01:35:42.840 they they just tom it's not that they. 1774 01:35:42.920 --> 01:35:45.439 In fact, let's just start running best ofs leading up 1775 01:35:45.439 --> 01:35:46.319 to the election. 1776 01:35:46.119 --> 01:35:49.239 Dragons, it's not that they love I don't. But see, 1777 01:35:49.319 --> 01:35:52.000 I want to be wrong, Mark you see you you 1778 01:35:52.359 --> 01:35:55.159 look at it as a contest. I want to be wrong. 1779 01:35:55.199 --> 01:35:59.880 Actually say, you make definitive statements. Biden will not drop out. 1780 01:36:00.039 --> 01:36:02.439 It's not going to happen. You were wrong. Trump will 1781 01:36:02.479 --> 01:36:04.359 not win. You were what I was wrong? 1782 01:36:05.720 --> 01:36:08.680 I thought I thought his ego was such that he 1783 01:36:08.720 --> 01:36:12.560 would never ever ever drop out. I yeah, well, okay, 1784 01:36:13.039 --> 01:36:15.279 that's what I thought about. He was wrong, Hey, Mark, 1785 01:36:15.319 --> 01:36:18.199 he got people think people have different opinions. 1786 01:36:17.880 --> 01:36:18.399 All the time. 1787 01:36:18.439 --> 01:36:20.760 If you're a Democrat out there, the fact that they 1788 01:36:20.840 --> 01:36:23.800 didn't even give you an opportunity to look at other 1789 01:36:23.840 --> 01:36:27.000 people tells you what a sheep you are? You sheep 1790 01:36:27.119 --> 01:36:30.239 Democrats out there. You didn't even get a chance. They 1791 01:36:30.319 --> 01:36:33.720 picked it. Do you realize that you morons, you didn't 1792 01:36:33.760 --> 01:36:35.920 even get to pick a candidate this year? 1793 01:36:35.920 --> 01:36:36.119 Mark. 1794 01:36:36.880 --> 01:36:39.439 Just like I don't like people calling Republicans warrens, I 1795 01:36:39.439 --> 01:36:42.520 don't like calling democrats Warns. I think everyone has their 1796 01:36:42.560 --> 01:36:46.039 own opinions. I happen, I happen to skeew more conservative. 1797 01:36:46.239 --> 01:36:48.880 But I don't think all Democrats are morons. 1798 01:36:49.319 --> 01:36:51.720 Okay, I think they are either. But I'll tell you what. 1799 01:36:51.760 --> 01:36:53.800 They got screwed by their party big time. 1800 01:36:53.840 --> 01:36:55.439 We got. We got to take a break, by the way, 1801 01:36:55.479 --> 01:37:02.760 and we'll come right back. I'm Tom Martine. Go with 1802 01:37:02.840 --> 01:37:06.399 a sure thing Denver's best roofer Excel roofing dot com. 1803 01:37:06.439 --> 01:37:12.159 You don't pay a cent until you're content. Time for 1804 01:37:12.199 --> 01:37:15.960 an insurance checkup free, no obligation in comparison call Compass 1805 01:37:16.000 --> 01:37:19.279 Insurance paying too much your coverage at dozens of insurance 1806 01:37:19.279 --> 01:37:22.399 companies find out now three all three seven seven one help. 1807 01:37:22.560 --> 01:37:25.199 You'll think you're his only customer when you choose Frank 1808 01:37:25.279 --> 01:37:27.720 durand the real estate man dot com to list your 1809 01:37:27.760 --> 01:37:30.880 home with Remax Alliance three all three nine two zero 1810 01:37:31.039 --> 01:37:39.039 sixteen twenty two. All right, I'm Tom Martino. You're a troubleshooter. 1811 01:37:39.159 --> 01:37:42.239 Three O three seven one three talk three all three 1812 01:37:42.319 --> 01:37:46.600 seven one three A two five five The Voice of Balance, 1813 01:37:47.960 --> 01:37:52.560 Tom Martine. Hey, David, what did you want to say? 1814 01:37:52.560 --> 01:37:54.800 Go ahead? I'm allowing it. Go ahead, David. 1815 01:37:56.199 --> 01:37:59.720 Yeah, I was just wondering. I don't understand why, you 1816 01:37:59.760 --> 01:38:04.319 know how you had all these deputies. Why Mark can't 1817 01:38:04.399 --> 01:38:07.720 just be a deputy and keep him off of the air. 1818 01:38:08.239 --> 01:38:11.800 I mean, he ruins the show, he does well well 1819 01:38:11.840 --> 01:38:13.680 according to everybody else in the world. 1820 01:38:13.800 --> 01:38:16.800 You have dumb ass. They love me, and you know what, David, 1821 01:38:16.800 --> 01:38:19.000 I'll be honest. You're the kind of guy, but you 1822 01:38:19.039 --> 01:38:21.640 know what, here's the problem. Put your ass on hold. 1823 01:38:21.960 --> 01:38:24.399 You're the kind of guy that does this. You just 1824 01:38:24.479 --> 01:38:27.359 there and complain about me, but you think about me 1825 01:38:27.399 --> 01:38:27.800 every night. 1826 01:38:27.840 --> 01:38:28.640 When you go to sleep. 1827 01:38:28.800 --> 01:38:30.399 I can't wait to hear what the hell he's gonna 1828 01:38:30.399 --> 01:38:32.279 say the next day, so I can get all worked up. 1829 01:38:32.319 --> 01:38:34.840 And do you know what? Now I figured out why 1830 01:38:34.880 --> 01:38:38.560 he likes Trump. Come on, man, I just figure he's there. 1831 01:38:38.600 --> 01:38:40.880 They're like you notice you never see him together? 1832 01:38:40.920 --> 01:38:44.039 And you ever notice that? Hey, guess who I saw 1833 01:38:44.039 --> 01:38:44.680 in Arizona? 1834 01:38:44.720 --> 01:38:44.960 Though? 1835 01:38:45.359 --> 01:38:45.600 Who? 1836 01:38:46.119 --> 01:38:49.079 And I am not kidding Vance. I went and I 1837 01:38:49.159 --> 01:38:50.159 went and met Vance? 1838 01:38:51.079 --> 01:38:53.560 Did you really? Honest to god? I got pictures and everything. 1839 01:38:53.560 --> 01:38:57.680 How did he sound? He sounded great? M okay, he 1840 01:38:57.800 --> 01:39:00.960 was at the Bill. Hey, David, listen, David. Everyone's got 1841 01:39:01.000 --> 01:39:03.239 an opinion on everything. I swear to God. I mean, 1842 01:39:03.279 --> 01:39:05.600 that's what this whole, that's what the world goes around on. 1843 01:39:06.119 --> 01:39:09.680 I mean, well, like he put me on hold you you? 1844 01:39:10.119 --> 01:39:13.119 Oh wait, what happened to David? Hold on? Stop? Mark, 1845 01:39:13.159 --> 01:39:15.079 hold on? Go ahead, David, back up? Go ahead, David, 1846 01:39:15.159 --> 01:39:19.560 go ahead, David seriously, go ahead, Cliff whoop? Sorry David, Mark, 1847 01:39:19.640 --> 01:39:22.239 come on, let him finish. Just go ahead, David, seriously, 1848 01:39:22.319 --> 01:39:24.479 let him do it. Let him finish. Okay, David, go. 1849 01:39:26.199 --> 01:39:26.920 Go David. 1850 01:39:28.079 --> 01:39:32.760 Oh he hung up? Now he did not see okay, 1851 01:39:32.800 --> 01:39:35.039 Bill what did you want to talk about? Insurance? 1852 01:39:35.079 --> 01:39:38.760 Go ahead, Bill, okay, just uh, why can't we all 1853 01:39:39.039 --> 01:39:41.159 have insurance on ourselves? 1854 01:39:41.600 --> 01:39:44.159 Because you know in nineteen seventy seven, I well. 1855 01:39:44.199 --> 01:39:46.520 Yeah, somebody say you're talking about so whatever car are 1856 01:39:46.520 --> 01:39:49.479 you driving? All that right, because because all the cars 1857 01:39:49.479 --> 01:39:52.600 have different as Brian brought out aptly, all cars have 1858 01:39:52.640 --> 01:39:56.640 different performance guidelines, difference what they're different, that and it. 1859 01:39:56.920 --> 01:39:59.640 For example, if you have insurance on you, Bill, and 1860 01:39:59.680 --> 01:40:03.239 then you drive a big rig or you drive a motorcycle, 1861 01:40:03.319 --> 01:40:06.520 or you drive a Ferrari, or you drive a Chevy Tahoe, 1862 01:40:06.560 --> 01:40:08.239 it's going to be a lot different risk. 1863 01:40:09.079 --> 01:40:12.319 Yeah, but you know in nineteen seventy seven, oh. 1864 01:40:12.039 --> 01:40:15.319 And then nineteen fifty three, and in nineteen twenty Well, okay, 1865 01:40:15.319 --> 01:40:16.359 go ahead, tell me what happened? 1866 01:40:16.399 --> 01:40:18.039 Wait wait I lost my license? 1867 01:40:18.560 --> 01:40:19.479 Yes, and what happened? 1868 01:40:19.520 --> 01:40:21.680 I wrecked the car when I lost my license. 1869 01:40:22.000 --> 01:40:24.000 Yeah, so I lost. 1870 01:40:23.880 --> 01:40:26.560 So to get my license back, yeah, I had to 1871 01:40:26.600 --> 01:40:28.680 get insurance, right, that's right. 1872 01:40:28.720 --> 01:40:31.800 I'm just me. Not on a vehicle. No, that's not true. 1873 01:40:32.079 --> 01:40:35.079 It's called non owner's non owner's insurance. But oh it 1874 01:40:35.159 --> 01:40:38.159 doesn't cover you on your own vehicles. It only covers 1875 01:40:38.159 --> 01:40:41.000 you on other people's vehicles. In other words, you have 1876 01:40:41.319 --> 01:40:44.720 regular access to a vehicle. The non owners does not 1877 01:40:44.880 --> 01:40:45.319 cover you. 1878 01:40:45.840 --> 01:40:48.039 So, Brian, who would buy non owners coverage? 1879 01:40:48.079 --> 01:40:50.600 Someone that doesn't have a car that or someone A 1880 01:40:50.600 --> 01:40:53.640 lot of times I'll send the more expensive No. I mean, 1881 01:40:53.640 --> 01:40:56.319 it can be based off of driving history. But the 1882 01:40:56.399 --> 01:40:58.920 most common reason you see it is someone that lost 1883 01:40:58.960 --> 01:41:02.079 their license, that has an SR twenty two, is required 1884 01:41:02.119 --> 01:41:04.760 to carry insurance, but doesn't have a car. 1885 01:41:04.479 --> 01:41:06.600 And I believe you wrote one of those on me 1886 01:41:06.680 --> 01:41:09.199 when I used to have trade cars from Roly. 1887 01:41:09.319 --> 01:41:12.439 I think I don't remember doing a non owners Maybe 1888 01:41:12.479 --> 01:41:15.520 I did, Maybe I did, But yeah, non owners that 1889 01:41:16.000 --> 01:41:17.960 is a thing, but it doesn't cover you for what 1890 01:41:18.000 --> 01:41:20.279 you're you're talking about here. It doesn't cover you to 1891 01:41:20.359 --> 01:41:22.760 just drive one any any vehicle you own. 1892 01:41:23.600 --> 01:41:26.239 Now, I'm going to go back to David. Please let 1893 01:41:26.359 --> 01:41:29.199 him finish his point. I'm serious, dragon, Let him finish 1894 01:41:29.239 --> 01:41:32.800 his point. Locket in there, let him finish. Uh, you know, 1895 01:41:33.000 --> 01:41:35.119 And and people, if you want to call me a 1896 01:41:35.159 --> 01:41:36.960 trump Peter, you can call me too, But I'm not 1897 01:41:37.000 --> 01:41:37.560 a trumpeter. 1898 01:41:37.680 --> 01:41:40.279 No, David's a marketer, even though he sits at my 1899 01:41:40.439 --> 01:41:43.600 shrine every day at night. Okay, a picture of me 1900 01:41:43.640 --> 01:41:44.439 on your ceiling. 1901 01:41:45.600 --> 01:41:48.039 Okay, go ahead. 1902 01:41:47.840 --> 01:41:54.199 David, listen and I go I mean way back. 1903 01:41:54.960 --> 01:41:56.760 Yeah, go ahead, I'm listening. 1904 01:41:58.079 --> 01:42:00.960 I mean, you help my sister when you are on channelful. 1905 01:42:01.439 --> 01:42:04.840 She got a new uh the sewing machine. That was 1906 01:42:04.880 --> 01:42:08.640 like when I was twenty something years old, eighteen anyway. 1907 01:42:10.039 --> 01:42:12.880 Mark, Mark, let him complete and then you know, like 1908 01:42:13.000 --> 01:42:15.520 let him finish. Go ahead. But you know. 1909 01:42:18.359 --> 01:42:21.199 He used to come over. I knew him because his kid, 1910 01:42:21.359 --> 01:42:24.880 and Jeff was my friend. I mean, I've been listening forever. 1911 01:42:25.119 --> 01:42:27.880 I mean I know Jeff Feast and it's just. 1912 01:42:28.279 --> 01:42:30.119 It's like he knows Papa John. 1913 01:42:30.359 --> 01:42:31.319 I stopped listening. 1914 01:42:31.359 --> 01:42:34.119 I just can't and that I'm not the only one. 1915 01:42:34.880 --> 01:42:37.399 Dragon. Can you help me out? And I'm serious, Dragon, 1916 01:42:37.680 --> 01:42:38.960 I'm dead serious. 1917 01:42:39.039 --> 01:42:40.000 You're on you. 1918 01:42:40.000 --> 01:42:41.079 You take a day off. 1919 01:42:42.039 --> 01:42:45.359 Mark's there alone. I used to like play this and 1920 01:42:45.399 --> 01:42:47.279 I'm like, this is the guy that's supposed to be 1921 01:42:47.359 --> 01:42:49.680 helping people, and people were it was like the comedy. 1922 01:42:49.680 --> 01:42:52.520 But he does he does help people, but he. 1923 01:42:52.359 --> 01:42:54.399 Helps people understand the best he can. 1924 01:42:54.520 --> 01:42:56.239 But overall, you got to weigh it up. 1925 01:42:56.760 --> 01:42:59.960 I mean, he doesn't even seem to understand, and I understand, 1926 01:43:00.039 --> 01:43:02.960 and just like you, Tom, you're making a point which 1927 01:43:03.000 --> 01:43:07.520 is very valid. I voted for Trump. I'm a conservative, 1928 01:43:08.079 --> 01:43:11.279 but I know people that were in the middle, and 1929 01:43:11.319 --> 01:43:15.239 they saw his first debate. It was, you know when 1930 01:43:15.279 --> 01:43:21.159 he was uh, the very first one when he decated by. 1931 01:43:20.279 --> 01:43:24.279 You're rambling, keep going out now now you're well okay, 1932 01:43:24.560 --> 01:43:25.439 I said that was it. 1933 01:43:25.760 --> 01:43:28.039 The point is got a very valid But they said 1934 01:43:28.039 --> 01:43:30.560 they can never vote for him, and they're not voting. 1935 01:43:30.680 --> 01:43:32.920 They won't vote for Kamala, but they can't vote for 1936 01:43:32.960 --> 01:43:34.680 Trump because they can't stand him. 1937 01:43:34.960 --> 01:43:37.279 Now, you got to vote for someone. Simple point. 1938 01:43:37.640 --> 01:43:41.600 I'm voting for Trump, but other people vote on their emotion, 1939 01:43:41.920 --> 01:43:43.119 and it's just. 1940 01:43:44.319 --> 01:43:47.840 I gotta take a break. Good jo ahead, Mark, No, 1941 01:43:47.960 --> 01:43:49.760 it's great, David. I appreciate it. David. 1942 01:43:49.800 --> 01:43:52.640 I hope, I hoping you and your family and wish 1943 01:43:52.680 --> 01:43:54.279 you a merry Christmas and all that crap. 1944 01:43:54.520 --> 01:44:02.159 All right, we got more coming right up. Go with 1945 01:44:02.279 --> 01:44:05.720 a sure thing Denver's best rufer excel roofing dot com. 1946 01:44:05.880 --> 01:44:11.600 You don't pay a cent until you're content. Time for 1947 01:44:11.640 --> 01:44:15.359 an insurance checkup free, no obligation. In comparison, call Compass 1948 01:44:15.439 --> 01:44:19.159 insurance paying too much your coverage at dozens of insurance companies. 1949 01:44:19.239 --> 01:44:21.800 Find out now three oh three seven seven to one help. 1950 01:44:22.039 --> 01:44:24.640 You'll think you're his only customer when you choose Frank 1951 01:44:24.720 --> 01:44:27.119 durand the real estate man dot com to list your 1952 01:44:27.199 --> 01:44:30.319 home with Remax Alliance three oh three nine two zero 1953 01:44:30.439 --> 01:44:36.439 sixteen twenty two. Okay, I'm Tom Martino. You're a troubleshooter. 1954 01:44:36.640 --> 01:44:39.680 Three oh three seven one three talk Craig, Go ahead, 1955 01:44:39.720 --> 01:44:43.000 what's going on with you? Craig? Welcome? He just well, 1956 01:44:43.079 --> 01:44:45.600 now I got I got another one back, so I 1957 01:44:45.680 --> 01:44:49.520 think he's upous. Go ahead, Craig, what's happening? 1958 01:44:50.279 --> 01:44:54.119 Hey Tom? Yeah, I switched over to your station. I 1959 01:44:54.199 --> 01:44:56.840 don't mind the political talk on your show, and I 1960 01:44:56.960 --> 01:45:01.880 want to support what Mark said. Yeah, Democrat, the Democrat 1961 01:45:02.079 --> 01:45:05.199 elite decided who their candidate was going to be. 1962 01:45:05.560 --> 01:45:09.359 Oh that's true, Yes it is. Oh everyone knows that. 1963 01:45:09.600 --> 01:45:12.960 Of course they well not everyone knows that, which is 1964 01:45:13.039 --> 01:45:13.600 I think they do? 1965 01:45:13.920 --> 01:45:15.920 Come they don't. They have no idea. 1966 01:45:16.920 --> 01:45:19.760 Kamala Harris was not even she was the first one 1967 01:45:19.840 --> 01:45:26.199 out in the Democratic Uh try last primaries last time. 1968 01:45:26.600 --> 01:45:27.960 Yeah, she was warmed right, So. 1969 01:45:28.319 --> 01:45:31.279 Where is all this support for her. Now, why did 1970 01:45:31.319 --> 01:45:33.600 this she suddenly become the queen of because. 1971 01:45:33.359 --> 01:45:37.159 She's a she's because they were they were desperate to 1972 01:45:37.439 --> 01:45:40.359 rally behind someone. That's why, I mean, let's face it. 1973 01:45:41.600 --> 01:45:44.880 And by the way, by the way, where where you 1974 01:45:45.000 --> 01:45:47.199 have to go to Ray Craig, you're welcome to stay there. 1975 01:45:47.479 --> 01:45:49.600 And I don't mean for this to be a political talk, 1976 01:45:49.880 --> 01:45:52.279 but there's nothing wrong with talking about it. There's nothing 1977 01:45:52.359 --> 01:45:55.439 wrong at all. It's a major deal. And I just 1978 01:45:55.600 --> 01:45:59.720 made an observation that Mark disagrees with. It. Doesn't express 1979 01:45:59.800 --> 01:46:03.079 my preference, but I think I think Trump could be 1980 01:46:03.159 --> 01:46:05.680 a lot nicer and still get the support plus more. 1981 01:46:06.000 --> 01:46:08.359 I don't know, that's my opinion. Got more coming up 1982 01:46:08.680 --> 01:46:13.399 on the Troubleshooter Show. Go with a sure Thing Denver's 1983 01:46:13.439 --> 01:46:16.279 Best Roofer Excel Roofing dot com. You don't pay a 1984 01:46:16.439 --> 01:46:22.880 cent until you're content. Time for an insurance check up, free, 1985 01:46:23.000 --> 01:46:27.000 no obligation comparison call Compass Insurance. Pay too much your 1986 01:46:27.079 --> 01:46:30.000 coverage at dozens of insurance companies find out now three 1987 01:46:30.079 --> 01:46:32.560 oh three, seven seven to one help. You'll think you're 1988 01:46:32.640 --> 01:46:35.159 his only customer when you choose Frank durand the real 1989 01:46:35.239 --> 01:46:38.199 estate man dot com to list your home with Remax 1990 01:46:38.279 --> 01:46:41.279 Alliance three oh three nine two zero sixteen twenty two 1991 01:46:46.880 --> 01:46:59.359 rip you don't have run as can? Shoot's gonna help? 1992 01:46:59.600 --> 01:47:08.199 Come man, This is the Troubleshooter Show. No Tom Martine, Hi, 1993 01:47:08.680 --> 01:47:11.119 Tom Martino here, Welcome to the show. Three All three 1994 01:47:11.600 --> 01:47:14.239 seven one three talk three all three seven one three 1995 01:47:14.359 --> 01:47:16.520 eight two five five. What's going on in your life? 1996 01:47:16.560 --> 01:47:18.800 How can we help you? All you have to do 1997 01:47:18.920 --> 01:47:22.439 is give us a call and quite a lively show. 1998 01:47:22.800 --> 01:47:26.239 I like I said, Uh, I don't ignore stuff, can't 1999 01:47:26.279 --> 01:47:29.479 ignore stuff. I Uh, I have to talk about stuff. 2000 01:47:29.520 --> 01:47:32.399 Tonight people are having watch parties. It's like a damn 2001 01:47:32.479 --> 01:47:37.239 super Bowl between Kamala and uh and Trump. And all 2002 01:47:37.319 --> 01:47:42.279 I said was, uh, you know, uh, I think there's 2003 01:47:42.399 --> 01:47:46.199 enough hatred out there for Trump and people are tired 2004 01:47:46.239 --> 01:47:49.920 of those antics of putting everybody down and talking about 2005 01:47:49.960 --> 01:47:52.760 who he's gonna go after and who's stupid, and that 2006 01:47:52.880 --> 01:47:54.960 people are fed up with it, and he's probably gonna lose. 2007 01:47:55.520 --> 01:47:57.640 And then I didn't say I wanted him to. In fact, 2008 01:47:57.680 --> 01:47:59.840 I said I'd probably vote for him, and I would 2009 01:48:00.119 --> 01:48:04.640 rather not have lopsided government. We're totally lopsided, and I 2010 01:48:04.800 --> 01:48:07.319 think he would not be a block to a lot 2011 01:48:07.359 --> 01:48:11.560 of good things that would balance things out. I also 2012 01:48:11.680 --> 01:48:16.800 believe that Kamala would be a disaster. But it's going 2013 01:48:16.880 --> 01:48:20.439 to be interesting to watch this debate tonight. It's going 2014 01:48:20.520 --> 01:48:25.800 to be very interesting. I think I would play defensive 2015 01:48:25.840 --> 01:48:27.960 and just sit back and let her destroy yourself. But 2016 01:48:28.039 --> 01:48:30.159 what do you think? I mean, really, what do you think? 2017 01:48:31.159 --> 01:48:34.239 What time is it on? By the way, what time 2018 01:48:34.279 --> 01:48:39.159 does anyone know? Seven o'clock, seven o'clock? So anyway, today 2019 01:48:39.279 --> 01:48:42.640 is Insurance Helps Center Day, although you can go there 2020 01:48:42.680 --> 01:48:47.079 any day the Insurance Help Center dot com. Have we 2021 01:48:47.199 --> 01:48:49.840 been doing any checkups? Brian today, three h three nine 2022 01:48:49.920 --> 01:48:53.159 ninety six, nine thousand. I'm encouraging people to call and 2023 01:48:53.680 --> 01:48:56.760 see if they have a great deal or if they 2024 01:48:57.680 --> 01:48:59.600 if they need to change what. 2025 01:48:59.640 --> 01:49:02.479 Did you okay? I have a couple here that were 2026 01:49:02.520 --> 01:49:07.159 sent my way. One I thought was interesting. They called 2027 01:49:07.239 --> 01:49:10.159 because they are with I think it's Amerror Prize, but 2028 01:49:10.279 --> 01:49:14.640 through Costco Direct, and they had a couple claims over 2029 01:49:14.640 --> 01:49:15.039 the last I. 2030 01:49:15.039 --> 01:49:18.199 Didn't know Costco. I didn't know they did insurance druct. 2031 01:49:18.079 --> 01:49:20.399 Yeah, they have some kind of program. It's through I 2032 01:49:20.439 --> 01:49:25.760 think the company is called Ameror Prize, but this particular 2033 01:49:25.840 --> 01:49:28.960 customer has had them, had a couple claims and it 2034 01:49:29.159 --> 01:49:32.319 was just they did not enjoy the customer service for 2035 01:49:32.439 --> 01:49:36.800 claim handling. So we have moved them over to Travelers. 2036 01:49:37.079 --> 01:49:38.239 And was it a better price? 2037 01:49:38.359 --> 01:49:41.359 It's basically the same. It says, not not much savings, 2038 01:49:41.399 --> 01:49:43.720 but they were thrilled to have someone to talk to. 2039 01:49:43.920 --> 01:49:45.680 I just it's a different kind of call, so I 2040 01:49:45.680 --> 01:49:47.399 thought I would share that. The other one that I 2041 01:49:47.479 --> 01:49:50.840 have here, this client had auto home and umbrella with 2042 01:49:51.000 --> 01:49:55.720 three different carriers. We packaged it up and they have 2043 01:49:55.760 --> 01:49:57.960 a big house. The house is over one point five 2044 01:49:58.039 --> 01:50:00.199 million on the dwelling, and so we put them the 2045 01:50:00.239 --> 01:50:04.800 carrier called Pure and the Pure for home auto umbrella 2046 01:50:05.119 --> 01:50:07.520 is a much better policy than what they had before, 2047 01:50:07.680 --> 01:50:11.199 has uncaptured replacement cost. It's it's got everything you would want, 2048 01:50:11.840 --> 01:50:14.359 and it saved them four thousand a year. 2049 01:50:16.119 --> 01:50:21.479 Okay, that's unbelievable in today's let's face it, in today's day. 2050 01:50:21.640 --> 01:50:23.600 I mean this is that's unbelievable. 2051 01:50:23.760 --> 01:50:27.520 Yep. And then one more, it looks like the person 2052 01:50:27.600 --> 01:50:32.920 called in has had a home and auto and an umbrella. No, 2053 01:50:33.000 --> 01:50:35.319 they didn't have the umbrella home in auto with USAA. 2054 01:50:36.239 --> 01:50:36.359 Uh. 2055 01:50:36.560 --> 01:50:39.159 We moved them to a company called Acuity, and we 2056 01:50:39.279 --> 01:50:42.800 added an umbrella, give them an extra million dollars, lowered 2057 01:50:42.840 --> 01:50:45.880 their deductible from one percent of their dwelling limit to 2058 01:50:46.199 --> 01:50:50.520 five thousand all peril, and saved them fourteen hundred bucks. 2059 01:50:52.399 --> 01:50:55.399 Wow, that's so we're still saving that's good. 2060 01:50:55.520 --> 01:50:57.199 Yeah, we're still finding some yep. 2061 01:50:57.640 --> 01:50:59.840 Yep. So you can do this at any time three 2062 01:51:01.159 --> 01:51:04.960 nine nine nine thousand three or three nine thousand, yes. 2063 01:51:04.880 --> 01:51:08.159 Sir, Can I ask a mister compass here next to me? 2064 01:51:08.720 --> 01:51:11.560 Yes, if you could address if you had a truck 2065 01:51:11.680 --> 01:51:15.319 that was totaled due to hail damage, is there a 2066 01:51:15.359 --> 01:51:17.720 way a workaround to get full coverage on that? 2067 01:51:18.800 --> 01:51:21.800 Yeah, because it's not a salvage title. It's a what 2068 01:51:22.000 --> 01:51:23.960 is it called a branded title. 2069 01:51:23.920 --> 01:51:25.840 But they're always going to take away that damage. 2070 01:51:25.880 --> 01:51:27.880 That's right, That's what I was gonna say. You can 2071 01:51:28.119 --> 01:51:30.600 there there are carriers out there that would give you 2072 01:51:30.720 --> 01:51:32.760 full coverage as long as it's not salvaged. 2073 01:51:33.039 --> 01:51:35.640 Well, it's full coverage, but it's not full coverage. It's 2074 01:51:35.680 --> 01:51:36.720 called fold coverage. 2075 01:51:36.800 --> 01:51:40.079 Yeah, you're getting depreciated value. And this is my argument 2076 01:51:40.159 --> 01:51:44.159 for not doing it because you're paying for a premium 2077 01:51:44.439 --> 01:51:47.560 of a vehicle that would be fixed completely. But they're 2078 01:51:47.600 --> 01:51:49.880 not going to fix it completely. If you had an accident, 2079 01:51:49.920 --> 01:51:52.039 they're going to depreciate based off of a factory I. 2080 01:51:52.039 --> 01:51:55.560 Can't think of anything but a total wreck where you'd 2081 01:51:55.600 --> 01:51:56.319 get any payment. 2082 01:51:56.439 --> 01:52:00.640 Yeah, yeah, now, okay, it's still a clean title cord. 2083 01:52:01.399 --> 01:52:06.399 It doesn't matter. Charlie, I mean, I mean, Chopper. I'm 2084 01:52:06.439 --> 01:52:08.319 looking at Charlie, who's on the line I want to take, 2085 01:52:08.359 --> 01:52:12.159 But Chopper, it doesn't matter because here's the deal. Let's 2086 01:52:12.199 --> 01:52:16.399 say that claim. What was it a sixteen thousand dollars claim? 2087 01:52:16.439 --> 01:52:17.119 Why did they totally? 2088 01:52:17.239 --> 01:52:17.279 What? 2089 01:52:17.439 --> 01:52:19.800 What? Or they didn't totally? But why are they not fixing? 2090 01:52:19.840 --> 01:52:19.880 It? 2091 01:52:20.000 --> 01:52:21.279 Was his sixteen eighteen year an. 2092 01:52:21.560 --> 01:52:24.520 Actually, I'm getting it fixed, and that's why I was 2093 01:52:24.600 --> 01:52:25.439 asking if I could. 2094 01:52:25.600 --> 01:52:28.359 Well, you didn't mention that hard. Oh yeah, well you 2095 01:52:28.520 --> 01:52:29.000 can get. 2096 01:52:28.880 --> 01:52:31.239 Full covered, you meant when it was still damaged. 2097 01:52:31.560 --> 01:52:34.159 No, I was told I could only get my bill O. 2098 01:52:34.359 --> 01:52:37.560 No, No, that's not true at all. Get full cover 2099 01:52:37.760 --> 01:52:41.399 once it's fixed. It's fixed. That's the only part of course, 2100 01:52:41.479 --> 01:52:43.520 you can get coverage. It's a regular car. 2101 01:52:45.279 --> 01:52:47.319 What did you make muck matter or something? 2102 01:52:48.000 --> 01:52:48.159 Why? 2103 01:52:48.520 --> 01:52:49.600 I think he just left? 2104 01:52:50.000 --> 01:52:54.359 I mean, who knows, Charlie. What's going on with you, Charlie, 2105 01:52:54.520 --> 01:52:55.159 what's happening? 2106 01:52:55.800 --> 01:52:59.000 Hey? Tom, was appreciate your service. Here's one for you, 2107 01:52:59.239 --> 01:53:00.359 and I'd love your advice. 2108 01:53:01.439 --> 01:53:02.239 Came doing a. 2109 01:53:02.319 --> 01:53:07.039 Gentleman selling a property. Okay, a business, Yeah, tell my owner. 2110 01:53:07.279 --> 01:53:09.359 I approached him, We came to an agreement. 2111 01:53:10.039 --> 01:53:12.920 He sent me a purchase agreement which needed to be 2112 01:53:13.039 --> 01:53:15.960 modified and modified it sent them the red line. I 2113 01:53:16.079 --> 01:53:18.840 sent it in both word and PDF format. He turned 2114 01:53:18.840 --> 01:53:22.880 around and signed it. Okay, which one did he sign? 2115 01:53:23.560 --> 01:53:24.600 Which one did he sign? 2116 01:53:25.319 --> 01:53:27.880 He signed the red line one, the one that I modified, 2117 01:53:28.279 --> 01:53:35.720 the PDF? Purchase the PDF? Okay, okay, keep going, he 2118 01:53:35.840 --> 01:53:37.279 signed signed a PDF. 2119 01:53:37.720 --> 01:53:38.000 Okay. 2120 01:53:38.159 --> 01:53:41.479 So over the course of two months, over the summertime, 2121 01:53:41.800 --> 01:53:43.960 I'm working at this business that I'm buying. 2122 01:53:44.039 --> 01:53:46.359 That's what he's selling, is this business with the property. 2123 01:53:46.920 --> 01:53:49.720 So I'm learning the ropes of the business. Two months 2124 01:53:49.760 --> 01:53:52.079 into it, he turns to me and says, is this the. 2125 01:53:52.199 --> 01:53:56.239 Standard real estate contract for the state of Colorado? No, 2126 01:53:57.279 --> 01:53:58.079 who made it up? 2127 01:53:59.680 --> 01:53:59.800 Uh? 2128 01:54:00.119 --> 01:54:03.079 It was they sent it to me originally, and then 2129 01:54:03.279 --> 01:54:03.840 who's they? 2130 01:54:04.399 --> 01:54:05.279 He and his attorney. 2131 01:54:06.680 --> 01:54:09.119 No, him and his father who owned. 2132 01:54:09.199 --> 01:54:12.520 Really, it was a contract that they drafted. 2133 01:54:14.159 --> 01:54:16.479 Uh, correct, it was, well, it was more or less 2134 01:54:16.520 --> 01:54:20.479 a standard purchase agreement that they looked like a. 2135 01:54:20.560 --> 01:54:24.319 Purchase agreement for the business and real estate owned by 2136 01:54:24.399 --> 01:54:27.880 the business. It's but yeah, but it's it's the business. 2137 01:54:28.000 --> 01:54:30.000 If you didn't buy the business, you couldn't buy the 2138 01:54:30.079 --> 01:54:30.600 real estate. 2139 01:54:31.880 --> 01:54:34.279 Correct. Well, I'm bind both correct, But. 2140 01:54:35.119 --> 01:54:39.239 Charlie, Charlie listening, sir. If you bought the real estate, 2141 01:54:39.720 --> 01:54:43.479 it's a real estate transaction. If you bought the business, 2142 01:54:43.920 --> 01:54:47.560 it's a business transaction. If you bought the business that 2143 01:54:47.840 --> 01:54:51.720 owns the real estate, it's a business transaction. Okay. So 2144 01:54:52.079 --> 01:54:55.640 I'm trying to discern it because different laws apply for 2145 01:54:55.800 --> 01:54:59.920 different transactions. You bought a business and the real estate 2146 01:55:00.199 --> 01:55:02.159 was part of the business. Is that correct? 2147 01:55:02.319 --> 01:55:02.680 Correct? 2148 01:55:03.079 --> 01:55:05.760 There were not two separate contracts. Is that right? 2149 01:55:06.279 --> 01:55:06.640 Correct? 2150 01:55:06.880 --> 01:55:09.199 Okay? Keep going, keep going. Okay. 2151 01:55:09.800 --> 01:55:12.159 So, over the course of the summer, I work at 2152 01:55:12.199 --> 01:55:15.720 the business. I get my head around things, making some adjustments, 2153 01:55:15.800 --> 01:55:20.640 buying equipment. Two months later, he says, hey, why is closing? 2154 01:55:20.760 --> 01:55:23.239 I said, well, you have your approach to the title company. 2155 01:55:23.600 --> 01:55:26.439 He hadn't approached the title company yet to start the closing. 2156 01:55:27.239 --> 01:55:30.479 He at the beginning of August, I actually get an 2157 01:55:31.119 --> 01:55:34.560 email from the title company that says, hey, here's where 2158 01:55:34.600 --> 01:55:36.880 you send the escro money, which I did within twenty 2159 01:55:36.920 --> 01:55:39.800 four hours. They acknowledged it on August sixth. 2160 01:55:40.039 --> 01:55:42.560 I'm working with his daughter to transfer the domain name 2161 01:55:42.640 --> 01:55:46.560 social media on their paperwork and contracts, and then at 2162 01:55:46.600 --> 01:55:49.640 the end of the month he just turns around and says, 2163 01:55:50.640 --> 01:55:51.640 I've decided I'm. 2164 01:55:51.520 --> 01:55:56.159 Not going to do this. Okay, Okay, keep the business. 2165 01:55:57.560 --> 01:55:59.840 He wants to keep both the business and the real estate. 2166 01:56:00.960 --> 01:56:06.399 Correct, Okay, this is after I put in hours and 2167 01:56:06.520 --> 01:56:11.640 hours and hours work, purchased equipment, I've made adjustments. 2168 01:56:13.239 --> 01:56:15.279 Is your question on the red line contract? 2169 01:56:16.680 --> 01:56:20.239 My question is, because we have a age, whether it 2170 01:56:20.359 --> 01:56:20.800 was red. 2171 01:56:20.720 --> 01:56:25.560 Lined or not they signed it right, I'm not positive, Tom, 2172 01:56:25.640 --> 01:56:29.319 but I've kind of had to do research on this before. 2173 01:56:30.279 --> 01:56:32.000 It's pretty hard to enforce that. 2174 01:56:32.079 --> 01:56:34.840 I'm not saying it's impossible, but generally it's going to 2175 01:56:34.880 --> 01:56:37.359 be up to a judge if it truly is redline 2176 01:56:37.600 --> 01:56:38.079 and what is. 2177 01:56:38.079 --> 01:56:42.279 That, and well if they both agreed to see see 2178 01:56:42.359 --> 01:56:44.800 if he signed the red line though, Mark, that's different. 2179 01:56:44.920 --> 01:56:47.520 But the red line means that that section of the 2180 01:56:47.600 --> 01:56:51.439 contract is crossed out. So if that section applies to 2181 01:56:51.640 --> 01:56:54.600 any reason or gives any reason, No, no, I. 2182 01:56:54.600 --> 01:56:57.199 Don't think that's your what you're alleging, right sir? Are 2183 01:56:57.239 --> 01:57:01.960 you saying that you're not trying to enforce a red 2184 01:57:02.000 --> 01:57:04.760 line portion? Right? Correct? 2185 01:57:04.840 --> 01:57:07.880 I'm not what I guess when I in my apologies, 2186 01:57:08.039 --> 01:57:11.439 I am using the wrong terminology. When I say redline, 2187 01:57:11.880 --> 01:57:14.479 I mean updates, not crossed out. 2188 01:57:14.720 --> 01:57:14.760 Like. 2189 01:57:15.159 --> 01:57:19.159 Okay, the purchase agreement they sent me was from New Mexico. 2190 01:57:19.439 --> 01:57:21.520 It literally said this is and. 2191 01:57:21.600 --> 01:57:24.640 You changed it, you made changes, and he signed it. 2192 01:57:25.199 --> 01:57:28.479 But here's the real question. The real question you have 2193 01:57:29.399 --> 01:57:33.920 is can you hold people to what is called liquidated 2194 01:57:34.680 --> 01:57:39.560 damages or specific performance, and that's usually called for in 2195 01:57:40.159 --> 01:57:44.560 the contract. In the absence of that in a contract, 2196 01:57:45.800 --> 01:57:49.960 if you don't have liquidated damages like usually there's an 2197 01:57:49.960 --> 01:57:53.279 amount if anybody breaches, here's what you owe. Do you 2198 01:57:53.359 --> 01:57:58.000 have liquidated damages in that contract? I'll have to check 2199 01:57:58.079 --> 01:57:58.359 it out. 2200 01:57:58.560 --> 01:57:59.760 I don't have it in front of me. 2201 01:58:00.560 --> 01:58:04.960 Well that's something you should remember, but okay, correct, Well, 2202 01:58:05.000 --> 01:58:07.520 hold on, you did have a lawyer well, if you 2203 01:58:07.600 --> 01:58:10.680 had a lawyer, ask the lawyer if it's liquid data 2204 01:58:10.800 --> 01:58:15.840 damages or specific performance. Now, in the absence of anything mentioned, 2205 01:58:16.520 --> 01:58:21.159 it's an agreement, and theoretically you can sue for specific 2206 01:58:21.279 --> 01:58:23.560 performance and usually you don't win. 2207 01:58:24.880 --> 01:58:27.840 You really don't think there's a contractual issue, though, if 2208 01:58:27.880 --> 01:58:32.199 he made changes, and let's just say the other person 2209 01:58:32.279 --> 01:58:35.880 didn't realize changes were made to it and signed it, 2210 01:58:36.279 --> 01:58:40.399 I don't understand why this conversation started with a redline contract. 2211 01:58:40.840 --> 01:58:43.640 All he wanted to say was he revised the contract 2212 01:58:44.159 --> 01:58:46.000 and they came to an agreement, and they came to 2213 01:58:46.079 --> 01:58:49.720 an agreement correctly, Charlie. I mean, it's no different than 2214 01:58:49.840 --> 01:58:53.479 any contract that's changed, even when you crossed a fout 2215 01:58:53.520 --> 01:58:57.439 and initial it. He's not even he's not even trying 2216 01:58:57.520 --> 01:59:00.960 to enforce the crossed out part. But Mark was asking, 2217 01:59:01.600 --> 01:59:05.880 do any of the crossed out areas say stuff like 2218 01:59:06.279 --> 01:59:12.479 he can back out? No, there's no, there's no because 2219 01:59:12.479 --> 01:59:14.800 what Mark is saying is he could simply deny. He 2220 01:59:15.119 --> 01:59:17.920 could say, wait a minute, I have a backout clause here, 2221 01:59:17.960 --> 01:59:20.199 and you can say no, I crossed it out or 2222 01:59:20.279 --> 01:59:22.720 I made a change. But Mark, I don't think he 2223 01:59:22.800 --> 01:59:24.720 could you send us a copy of that. Can we 2224 01:59:24.840 --> 01:59:25.239 look at that? 2225 01:59:26.720 --> 01:59:27.359 Sure? Sure? 2226 01:59:27.640 --> 01:59:29.680 But I don't think he could sign it though and 2227 01:59:29.760 --> 01:59:32.319 then claim he didn't know there were changes made. 2228 01:59:33.680 --> 01:59:33.960 Correct. 2229 01:59:34.000 --> 01:59:34.600 I don't think he. 2230 01:59:34.680 --> 01:59:38.119 Could after after timeline. We have emails that show he 2231 01:59:38.239 --> 01:59:41.359 signed it after I made the revisions. But also we 2232 01:59:41.439 --> 01:59:46.920 add to this, the title company had created a commitment agreement. 2233 01:59:47.199 --> 01:59:51.079 That doesn't matter that it doesn't matter. It still goes 2234 01:59:51.159 --> 01:59:54.000 back to the original contract. Can you sue him for 2235 01:59:54.119 --> 01:59:58.800 specific performance? I would like to get Brad O'Brien because 2236 01:59:59.199 --> 02:00:01.800 it's even though it's real estate, even though it's business, 2237 02:00:01.880 --> 02:00:04.159 it has real estate tied to it. I would just 2238 02:00:04.359 --> 02:00:07.800 like to ask because he's good at contract law in general. 2239 02:00:08.359 --> 02:00:10.199 So see if we can get Brad on real quick. 2240 02:00:10.239 --> 02:00:17.039 We got to take this break. I'm Tom Martino. Go 2241 02:00:17.239 --> 02:00:20.800 with a sure thing Denver's Best roofer Excel Roofing dot com. 2242 02:00:21.000 --> 02:00:26.600 You don't pay a cent until you're content, Wait time 2243 02:00:26.680 --> 02:00:29.920 for an insurance checkup free, no obligation. In comparison, call 2244 02:00:30.039 --> 02:00:33.319 Compass insurance paying too much your coverage at dozens of 2245 02:00:33.399 --> 02:00:36.319 insurance companies find out now three oh three seven seven 2246 02:00:36.359 --> 02:00:39.119 to one. Help. You'll think you're his only customer when 2247 02:00:39.159 --> 02:00:41.399 you choose Frank durand the real estate man dot Com 2248 02:00:41.680 --> 02:00:44.760 to list your home with Remax Alliance three oh three 2249 02:00:44.880 --> 02:00:51.479 nine two zero sixteen twenty two. Tom Martino here three 2250 02:00:51.600 --> 02:00:55.600 oh three seven one three talk seven one three eight 2251 02:00:55.680 --> 02:01:01.079 two five five. All right, let's talk to Brad O'Brien, 2252 02:01:01.359 --> 02:01:04.199 attorney at law. Thank you, Brian so much for being here. 2253 02:01:05.439 --> 02:01:08.079 Charlie had a question. Nowt it's not just real estate. 2254 02:01:08.159 --> 02:01:10.880 It's it's a buy sell agreement for a business which 2255 02:01:10.960 --> 02:01:13.439 is attached to the real estate. Charlie, what kind of 2256 02:01:13.520 --> 02:01:14.720 real estate A warehouse or what? 2257 02:01:17.279 --> 02:01:17.479 Yeah? 2258 02:01:17.560 --> 02:01:20.760 So the Charlie drive in movie theater? Yeah, I'm here, can. 2259 02:01:20.680 --> 02:01:22.600 You hear me? Yeah, it's a drive in movie theater. 2260 02:01:23.880 --> 02:01:24.920 Correct? Correct? 2261 02:01:25.119 --> 02:01:28.920 You mean like a drive in, like a good. 2262 02:01:28.800 --> 02:01:32.399 Old fashioned Yeah, exactly, exactly. 2263 02:01:32.800 --> 02:01:34.920 Really were you driving with your car and you sit 2264 02:01:35.000 --> 02:01:39.079 in your car and watch a movie? That's it? Okay, 2265 02:01:39.199 --> 02:01:42.319 So you're buying that business and you didn't use the 2266 02:01:42.359 --> 02:01:45.359 state approved contract. You just they made up a contract, 2267 02:01:45.840 --> 02:01:48.159 you made some revisions, you both came to an agreement 2268 02:01:48.279 --> 02:01:52.359 and signed it. Did you put arnest money up? I have? 2269 02:01:52.800 --> 02:01:55.439 I have? Okay? How much of earnest money. Did you 2270 02:01:55.520 --> 02:02:00.279 put up ten thousand dollars and then after or how 2271 02:02:00.399 --> 02:02:04.840 long did he say? I changed my mind less. 2272 02:02:04.600 --> 02:02:05.279 Than thirty days. 2273 02:02:06.279 --> 02:02:10.760 Did you meet with all any requirements like financing or 2274 02:02:10.760 --> 02:02:13.760 anything that were Is there anything you did not do 2275 02:02:14.680 --> 02:02:16.560 as far as deadlines in the contract? 2276 02:02:17.880 --> 02:02:19.720 No, I have met all requirements. 2277 02:02:20.840 --> 02:02:24.199 Is there anything in the contract? Is there anything in 2278 02:02:24.319 --> 02:02:30.479 the contract that mentions liquidated damages or backing out or anything? 2279 02:02:30.600 --> 02:02:32.279 He doesn't know he's going to send it over though, 2280 02:02:33.600 --> 02:02:38.760 Brad in general. In general, Brad, he's upset that the 2281 02:02:38.840 --> 02:02:41.119 guy's backing out and he wants to know can he 2282 02:02:41.239 --> 02:02:42.439 force him to go forward? 2283 02:02:43.960 --> 02:02:45.720 Well, you got to look at the actual written contract 2284 02:02:45.760 --> 02:02:47.439 to answer that question. 2285 02:02:48.319 --> 02:02:51.079 What would in the written con Let's put its way, Brad. 2286 02:02:51.479 --> 02:02:54.279 What in the written contract would not allow him to 2287 02:02:54.359 --> 02:02:54.800 back out? 2288 02:02:56.520 --> 02:02:58.840 Well, there should be a remedies section, which is what 2289 02:02:59.159 --> 02:03:02.399 you can do again, get us side defaulted if it 2290 02:03:02.520 --> 02:03:06.279 says the buyer's only recourse. If a solid default is 2291 02:03:06.439 --> 02:03:08.279 to get the money back, then that's all you can do. 2292 02:03:08.640 --> 02:03:10.319 On the other hand, if it's okay, like. 2293 02:03:11.119 --> 02:03:14.479 A specific performance, then you can force the salor go through. 2294 02:03:15.520 --> 02:03:17.760 What I want to ask is this, does it have 2295 02:03:18.039 --> 02:03:22.760 to mention specific performance? What if it's mute on both 2296 02:03:22.800 --> 02:03:27.520 of those, on specific performance and liquid dated damages. What 2297 02:03:27.680 --> 02:03:29.640 if it just doesn't mention either of those. 2298 02:03:29.800 --> 02:03:33.680 What then the question of Colorado case law. But I 2299 02:03:34.000 --> 02:03:38.239 believe without researching, I believe that you have a remedy 2300 02:03:38.279 --> 02:03:40.880 of specific performance if it's not excluded. 2301 02:03:41.560 --> 02:03:44.760 But okay, so it could be it could be that 2302 02:03:44.920 --> 02:03:49.359 if it's not excluded, that he could do specific performance. 2303 02:03:50.079 --> 02:03:52.239 This is what I've been told in the past. Although 2304 02:03:52.279 --> 02:03:55.560 I've never been involved in a lawsuit like this, Brad, 2305 02:03:55.720 --> 02:03:59.840 I always was told it's very difficult to sue on 2306 02:04:00.039 --> 02:04:04.319 specific performance because to make someone do something they do 2307 02:04:04.560 --> 02:04:07.399 not want to do can be a real problem. 2308 02:04:09.479 --> 02:04:12.520 Yeah, most of time cases are about money, and if 2309 02:04:12.520 --> 02:04:15.239 there's a money remedy that the courts, that's the number 2310 02:04:15.279 --> 02:04:18.039 one remedy you can get courts is to get money 2311 02:04:18.279 --> 02:04:22.359 for your Andrew your images and specific performance is an 2312 02:04:22.399 --> 02:04:27.479 equitable remedy, and it's that's why it's helpful to actually 2313 02:04:27.520 --> 02:04:29.840 have that in there that you do a specific performance. 2314 02:04:31.600 --> 02:04:34.479 Kay, Charlie, did you look at it while we're on 2315 02:04:34.600 --> 02:04:36.640 the phone or not? Or you still don't know? 2316 02:04:38.039 --> 02:04:39.279 No, I am looking at it. 2317 02:04:40.279 --> 02:04:42.960 Okay, we're going to take a break and look at it. Brad, 2318 02:04:43.119 --> 02:04:47.760 thank you so much. Olslaw dot com for real estate 2319 02:04:47.920 --> 02:04:50.880 issues of all kinds seven to zero three seven zero 2320 02:04:50.960 --> 02:04:53.439 seventy three eighty eight. So what Brad is saying is this, 2321 02:04:54.960 --> 02:04:57.920 if it doesn't exclude it, you can probably go for it. 2322 02:04:58.319 --> 02:05:01.039 But if there's liquid data damage under remedies, you need 2323 02:05:01.119 --> 02:05:04.840 to go for that. If it doesn't mention either of them, 2324 02:05:05.359 --> 02:05:08.479 you know you could have a case for specific performance, 2325 02:05:08.760 --> 02:05:10.760 but it's going to cost you money to make this go, 2326 02:05:11.000 --> 02:05:14.880 you know, to to enforce it. So think about that 2327 02:05:15.279 --> 02:05:17.199 and then let me know what it says. Right after this, 2328 02:05:17.279 --> 02:05:19.760 I'm Tom Martinez, and I want to say, probid energy 2329 02:05:19.840 --> 02:05:23.960 dot com for solar systems. Again, we only have a 2330 02:05:24.039 --> 02:05:30.319 few people we endorse for solars. Probid Energy dot com honesty, integrity, value. 2331 02:05:30.720 --> 02:05:39.239 Probid Energy dot com. Go with a sure thing Denver's 2332 02:05:39.279 --> 02:05:42.119 Best roofer Excel Roofing dot Com. You don't pay a 2333 02:05:42.239 --> 02:05:48.680 cent until you're content. Time for an insurance checkup free, 2334 02:05:48.840 --> 02:05:52.520 no obligation. In comparison, call Compass insurance paying too much 2335 02:05:52.680 --> 02:05:55.560 your coverage at dozens of insurance companies. Find out now 2336 02:05:55.680 --> 02:05:58.159 three oh three seven seven to one. Help you'll think 2337 02:05:58.199 --> 02:06:00.760 you're his only customer when you use Frank durand the 2338 02:06:00.840 --> 02:06:03.439 real estate man dot com to list your home with 2339 02:06:03.600 --> 02:06:07.119 Remax Alliance three oh three nine two zero sixteen twenty two. 2340 02:06:09.439 --> 02:06:11.439 Hi Tom Martine, I want to go back to Charlie 2341 02:06:11.479 --> 02:06:14.279 real quick and see what's going on. Eight eight eight 2342 02:06:14.359 --> 02:06:17.840 Heating dot Com. Remember honest evaluations of your furnace and air, 2343 02:06:17.880 --> 02:06:20.560 and they do heat pump's high efficiency for those with 2344 02:06:20.680 --> 02:06:23.319 solar systems as well, especially if you couple it with 2345 02:06:23.399 --> 02:06:26.159 an installation, you get a big tax credit. Eight eight 2346 02:06:26.239 --> 02:06:29.199 eight Heating dot Com. So go ahead, Charlie. Did you 2347 02:06:29.319 --> 02:06:32.960 read about remedies for cancelation or termination? 2348 02:06:33.800 --> 02:06:36.800 Go ahead if the if correct. So, if the seller 2349 02:06:36.920 --> 02:06:39.800 fails to comply with this contract for any reason, seller 2350 02:06:39.880 --> 02:06:42.920 will be in default and the buyer may either in 2351 02:06:43.039 --> 02:06:47.439 forced specific performance, seek such other remedies as may be 2352 02:06:47.640 --> 02:06:51.720 provided by law, or both, or be terminate this contract 2353 02:06:51.760 --> 02:06:55.079 and receive earnest money, thereby releasing both parties from this contract. 2354 02:06:55.560 --> 02:07:00.520 So it actually provides, literally provides for liquidated damn excuse 2355 02:07:00.560 --> 02:07:03.880 me for a specific performance. It does not exclude it. 2356 02:07:05.439 --> 02:07:08.239 Correct, Wow, as I read it. It's how he signed it. 2357 02:07:08.960 --> 02:07:12.479 Well, it's going to cost you, you know. But if 2358 02:07:12.520 --> 02:07:15.680 you really want this driving, if you really want this 2359 02:07:15.960 --> 02:07:18.560 dying kind of business, you ought to go. And I'm 2360 02:07:18.600 --> 02:07:22.520 just joking there, Charlie, But does anyone go? Does anyone 2361 02:07:22.600 --> 02:07:26.119 go to Driving's anymore? Well, we don't have any around here, 2362 02:07:26.239 --> 02:07:28.920 so I mean I went to where is it, Charlie? 2363 02:07:29.359 --> 02:07:29.840 Where is it? 2364 02:07:31.199 --> 02:07:32.520 It's on the western slope. 2365 02:07:33.279 --> 02:07:35.960 I mean, Mark, if you can sit at home with Netflix, 2366 02:07:36.199 --> 02:07:37.800 I just don't understand the drive of. 2367 02:07:38.000 --> 02:07:40.479 Okay, I'll tell you. When our kids were younger, it's 2368 02:07:40.560 --> 02:07:41.680 still a blast man. 2369 02:07:42.000 --> 02:07:43.000 So you go up there. 2370 02:07:43.800 --> 02:07:46.680 Usually you tune in of course I am REFM Radio. 2371 02:07:46.920 --> 02:07:49.439 And then behind the screen they have all the arcade 2372 02:07:49.479 --> 02:07:51.920 games in some of these, and then you know, you 2373 02:07:52.000 --> 02:07:54.920 walk up to the concession stand. You got the Hamburger's 2374 02:07:54.960 --> 02:07:57.359 hot dogs. You put the blanket out front. When the 2375 02:07:57.439 --> 02:07:59.199 kids were little, I thought it was really cool. 2376 02:07:59.279 --> 02:08:01.279 Actually that brings back good memory. 2377 02:08:02.119 --> 02:08:04.640 It take it and to take it a step further, guys, 2378 02:08:04.760 --> 02:08:07.359 we're going to be adding a stage to the front 2379 02:08:07.399 --> 02:08:09.720 of the screen. So we're going to be bringing in 2380 02:08:09.960 --> 02:08:13.000 actual like comedians and music. 2381 02:08:13.199 --> 02:08:13.640 I love it. 2382 02:08:13.920 --> 02:08:18.000 The screen allows it's a venue, so it's it's an 2383 02:08:18.119 --> 02:08:18.920 entertainment venue. 2384 02:08:19.079 --> 02:08:20.239 I think it sounds really cool. 2385 02:08:20.560 --> 02:08:22.600 You need to hold these guys to the contract. 2386 02:08:22.640 --> 02:08:24.680 If it's a good business man, you really should. 2387 02:08:25.760 --> 02:08:27.039 Was it a good price. 2388 02:08:28.560 --> 02:08:30.239 To sixty five twelve acres? 2389 02:08:30.439 --> 02:08:32.199 And if you think about wait a minute's put some 2390 02:08:32.600 --> 02:08:35.800 sixty five twelve acres the screen building an equipment. It's 2391 02:08:35.880 --> 02:08:39.800 western slope, tom yep, So listen, it's did he get 2392 02:08:39.880 --> 02:08:41.039 wind of what you want to do? 2393 02:08:41.159 --> 02:08:43.199 And is he gonna probably steal your idea? 2394 02:08:44.720 --> 02:08:45.840 I think that's part of it. 2395 02:08:46.640 --> 02:08:48.600 Uh oh, you should call brad Man. 2396 02:08:48.720 --> 02:08:51.039 Put up you know it, put up some bucks man, 2397 02:08:51.159 --> 02:08:54.319 pony up and get this thing handled. And ultimately that 2398 02:08:54.439 --> 02:08:56.640 guy should end up paying the attorney's fees. 2399 02:08:56.680 --> 02:08:59.800 Honestly. By the way, well it's not built in though. Hey, 2400 02:09:00.000 --> 02:09:02.600 I want to ask you something. Oh wait, wait wait, 2401 02:09:02.680 --> 02:09:03.479 what does it say there? 2402 02:09:04.520 --> 02:09:07.760 Attorney fees the prevailing party in any legal proceeds brought 2403 02:09:07.920 --> 02:09:11.439 under with respect to this transaction described in this contract 2404 02:09:11.479 --> 02:09:14.319 as recovery from the non prevailing party. 2405 02:09:14.399 --> 02:09:16.760 Also, hold on, bro, you got it, you man. You 2406 02:09:17.479 --> 02:09:20.319 if that guy, if that guy made up that contract, 2407 02:09:20.880 --> 02:09:22.319 he did not do a good job. 2408 02:09:22.680 --> 02:09:25.199 Well, Charlie, here's what I would do, honestly, Man, send 2409 02:09:25.279 --> 02:09:29.039 that contract, call up O'Brien, just talk to him, pay 2410 02:09:29.119 --> 02:09:31.279 him a few bucks to look over the contract and 2411 02:09:31.439 --> 02:09:35.399 give you a really good idea how he thinks if 2412 02:09:35.439 --> 02:09:37.359 you're going to win or lose, and if you're going 2413 02:09:37.439 --> 02:09:39.600 to get attorney's fees or not, have him at least 2414 02:09:39.680 --> 02:09:41.199 evaluate the case. 2415 02:09:42.840 --> 02:09:45.359 And if he'll go over there, if he'll handle it 2416 02:09:45.439 --> 02:09:45.840 over there. 2417 02:09:47.199 --> 02:09:49.039 I mean, hey, Tom, can you do yeah favor? 2418 02:09:49.479 --> 02:09:49.680 Yeah? 2419 02:09:50.000 --> 02:09:52.239 Can you go ahead and give me his number? One time? 2420 02:09:52.319 --> 02:09:53.479 One more time on the air there. 2421 02:09:53.920 --> 02:09:59.600 Sure it's ols OLS the website oslaw dot com and 2422 02:09:59.720 --> 02:10:06.600 it's seven two zero three seven zero seven three eight eight. 2423 02:10:07.520 --> 02:10:09.720 And remember it's it's remote. I don't know if he 2424 02:10:09.800 --> 02:10:12.199 goes there, he might, he might, he might, Bennett, What 2425 02:10:12.359 --> 02:10:14.239 is your comment? Go ahead, Bennett? What's going on? 2426 02:10:15.640 --> 02:10:15.800 Hey? 2427 02:10:15.960 --> 02:10:16.199 Tom? 2428 02:10:16.239 --> 02:10:20.119 I think I called you earlier. I was having furnace problems, right, 2429 02:10:20.680 --> 02:10:22.760 and I got a hold of twenty four to seven 2430 02:10:23.880 --> 02:10:27.279 and they came out today from Aurora and they inspected 2431 02:10:27.800 --> 02:10:31.880 the job and they said there couldn't be a better 2432 02:10:32.560 --> 02:10:37.920 furnace company. They said everything is top and their prices 2433 02:10:38.039 --> 02:10:40.079 were absolutely great. 2434 02:10:40.720 --> 02:10:43.000 Well, I'm so happy you loved him. Bennett. Thank you. 2435 02:10:43.199 --> 02:10:46.439 That's very good to hear. Man, very good to hear. 2436 02:10:46.720 --> 02:10:49.199 Thank you. You didn't tell me about the inspector. That's 2437 02:10:49.239 --> 02:10:49.640 good to know. 2438 02:10:50.319 --> 02:10:53.600 Yeah, that's he was really impressed with the work. 2439 02:10:54.199 --> 02:10:56.880 Well, thank you for letting us know. Three oh three 2440 02:10:57.119 --> 02:10:59.800 seven one three talks seven to one three eight two five. 2441 02:11:00.279 --> 02:11:02.039 Mark, I think we're going to use that. I'm having 2442 02:11:02.119 --> 02:11:04.720 dragon cliped at. I'd like to use that next time 2443 02:11:04.800 --> 02:11:06.840 you cut a spot for a fix it or recorded. 2444 02:11:07.079 --> 02:11:09.319 Let's embed that. I'll send it to you. Oh I 2445 02:11:09.439 --> 02:11:12.119 love it. Yeah, that's really good. Thank you. Okay, So 2446 02:11:12.760 --> 02:11:17.359 I want to talk about this text I got and 2447 02:11:17.520 --> 02:11:21.079 people you can text my Google number seven four seven 2448 02:11:22.119 --> 02:11:25.960 nine fifty two eighty seven four seven nine nine nine 2449 02:11:26.079 --> 02:11:30.479 fifty eighty Brian Compass Insurance Group. It says here, I'm 2450 02:11:30.520 --> 02:11:33.840 being told by my insurance every time I use even 2451 02:11:33.960 --> 02:11:40.119 roadside assistance or glass coverage, it's a claim and it's 2452 02:11:40.159 --> 02:11:42.199 going to bump up my premiums. 2453 02:11:43.079 --> 02:11:46.680 Well that's there's a little bit of truth to it. 2454 02:11:46.840 --> 02:11:51.800 So they do show up as claims. They're not chargeable claims, 2455 02:11:52.319 --> 02:11:55.319 but they can affect your ability when you go to 2456 02:11:55.439 --> 02:11:56.119 a new carrier. 2457 02:11:56.720 --> 02:11:57.960 So that's what happened to me. 2458 02:11:58.359 --> 02:12:00.560 Yeah, you go to another carrier even though you have 2459 02:12:00.760 --> 02:12:02.960 a bunch of glass claims or toe claims that aren't 2460 02:12:03.239 --> 02:12:07.479 surcharged on your current policy, the new company can underwrite 2461 02:12:07.479 --> 02:12:09.680 against it. In other words, they're not changing their premium, 2462 02:12:09.760 --> 02:12:12.439 but they can just decline to want to write insurance 2463 02:12:12.520 --> 02:12:12.720 for you. 2464 02:12:14.920 --> 02:12:19.199 Okay, all right, so it doesn't. It doesn't if you 2465 02:12:19.279 --> 02:12:20.840 stay where you are, it's not going to hurt you. 2466 02:12:21.319 --> 02:12:25.000 Yeah, they can't. They're not filed by the state to 2467 02:12:25.039 --> 02:12:27.000 be able to charge. There are a lot of stakes. 2468 02:12:27.039 --> 02:12:30.079 Can you go into a high risk pool because of windshields? 2469 02:12:30.359 --> 02:12:33.560 No, What I'm saying is that you can if you're 2470 02:12:33.560 --> 02:12:38.000 trying to find new insurance. Other carriers look at those, 2471 02:12:38.279 --> 02:12:42.239 but they don't surcharge for them. So you're not going 2472 02:12:42.319 --> 02:12:45.359 to a high risk pool because unless you're being non 2473 02:12:45.439 --> 02:12:48.399 renewed for some other reason on your insurance, it is 2474 02:12:48.479 --> 02:12:51.680 a factor whenever I'm trying to find new insurance for somebody. 2475 02:12:51.880 --> 02:12:55.079 It's really crazy because if you really think of glass 2476 02:12:55.319 --> 02:12:58.359 on some of these vehicles, I mean, it's nothing. I 2477 02:12:58.439 --> 02:13:01.600 think my Tesla glass was two grand yeah, it costs 2478 02:13:01.600 --> 02:13:04.359 me zero. I think I'm the Genesis. It was over 2479 02:13:04.439 --> 02:13:05.039 one thousand. 2480 02:13:05.960 --> 02:13:09.239 So, Brian, what are the deductibles on those? Don't they 2481 02:13:09.279 --> 02:13:10.319 have the low deductible? 2482 02:13:10.560 --> 02:13:15.359 No, So some carriers offer a separate deductible for glass. 2483 02:13:15.840 --> 02:13:18.720 So you know, you could have a thousand deductible for 2484 02:13:18.880 --> 02:13:22.720 comprehensive but then have this glass endorsement that lowers it 2485 02:13:22.840 --> 02:13:25.960 to zero. Or some carriers it's fifty bucks, some it's 2486 02:13:25.960 --> 02:13:29.760 a hundred bucks, but not everybody buys that, and not everybody. 2487 02:13:30.119 --> 02:13:32.680 How much is the how much is the windshield coverage 2488 02:13:32.760 --> 02:13:33.960 that lowers the deductible? 2489 02:13:34.000 --> 02:13:37.479 It depends on the vehicle. To Mark's point, if you 2490 02:13:37.640 --> 02:13:40.720 were to get a Tesla and you want full glass, 2491 02:13:40.840 --> 02:13:42.680 you're going to see that it's it's going to cost 2492 02:13:42.760 --> 02:13:43.520 some money to do that. 2493 02:13:43.720 --> 02:13:44.079 More than. 2494 02:13:46.560 --> 02:13:49.720 Yeah, let's say it could be one hundred and fifty 2495 02:13:49.760 --> 02:13:52.239 bucks for the year, for the year. 2496 02:13:52.880 --> 02:13:55.359 Grand Yeah, but think about that one hundred and fifty 2497 02:13:55.399 --> 02:13:57.520 bucks for the year if you buy it at a 2498 02:13:57.600 --> 02:14:00.680 car dealership when you get your car, yeah, they charge 2499 02:14:00.760 --> 02:14:03.600 you something like twenty five hundred dollars. 2500 02:14:03.760 --> 02:14:05.920 Right, No, it's it's a way better deal to do 2501 02:14:06.000 --> 02:14:06.880 it through your insurance. 2502 02:14:07.880 --> 02:14:10.640 You know, so twenty five hundred. Of course they're going 2503 02:14:10.720 --> 02:14:12.359 to say that's for the four or five years. It's 2504 02:14:12.439 --> 02:14:15.600 financeer the three years, but there's also a deductible. It's 2505 02:14:15.640 --> 02:14:16.920 the worst coverage you can find. 2506 02:14:17.079 --> 02:14:17.239 Yeah. 2507 02:14:17.840 --> 02:14:20.399 Yeah, But the nice part about glass coverage too is 2508 02:14:21.479 --> 02:14:24.319 well it's not happening yet, but what should happen is 2509 02:14:24.359 --> 02:14:25.560 you can turn it on and off. 2510 02:14:25.960 --> 02:14:29.079 So therefore, if nothing's going to happen. See what's going 2511 02:14:29.119 --> 02:14:32.000 on with you, Pete, you have a question for Compass? 2512 02:14:32.079 --> 02:14:32.520 Go ahead? 2513 02:14:33.279 --> 02:14:34.560 Hey, Tom, Yeah, I just heard you. 2514 02:14:34.600 --> 02:14:34.760 Guys. 2515 02:14:34.800 --> 02:14:35.720 We're talking about insurance. 2516 02:14:35.720 --> 02:14:37.000 So I listened to you all the time. I talked 2517 02:14:37.000 --> 02:14:39.359 to you a few times. Yes, sir, I just recently 2518 02:14:40.159 --> 02:14:44.159 lost my insurance car insurance policies because of my wife 2519 02:14:44.199 --> 02:14:46.239 had a wreck. I had a couple of racks over 2520 02:14:46.279 --> 02:14:48.840 the last three or four years and you know, a 2521 02:14:48.880 --> 02:14:51.199 few things like that, and it just kind of accumulated 2522 02:14:51.239 --> 02:14:54.439 and it's only cancel their insurance and we got new insurance. 2523 02:14:55.079 --> 02:14:56.600 And it's like in. 2524 02:14:58.680 --> 02:15:01.119 Okay, who did you have as your first carrier that 2525 02:15:01.239 --> 02:15:01.760 canceled you? 2526 02:15:02.479 --> 02:15:02.880 Sase go? 2527 02:15:03.520 --> 02:15:05.439 Hey, who do you to you? Tom? Just so you know, 2528 02:15:06.399 --> 02:15:07.119 and who do you have. 2529 02:15:07.319 --> 02:15:09.560 Now all stake. 2530 02:15:11.399 --> 02:15:14.319 Okay, we'll come back and talk about what you do. 2531 02:15:14.720 --> 02:15:17.199 You're considered a high risk, right Are you in regular 2532 02:15:17.319 --> 02:15:19.359 all state or in one of their other companies? 2533 02:15:20.119 --> 02:15:23.199 It's all state indemnity. I guarantee you it's it's their 2534 02:15:23.279 --> 02:15:25.439 high risk portion of their company. 2535 02:15:25.720 --> 02:15:27.760 All right, hold on, we'll come back to talk about that. 2536 02:15:27.880 --> 02:15:30.000 Three oh three seven to one three talks seven one 2537 02:15:30.039 --> 02:15:33.279 three eight two five five. Excel roofing dot com as 2538 02:15:33.319 --> 02:15:36.600 an excellent e x C E L not just roofs, 2539 02:15:36.840 --> 02:15:39.640 but complete roof systems that keep your house more energy 2540 02:15:39.680 --> 02:15:44.399 efficient and your roof lasts longer. Excel roofing dot com. 2541 02:15:45.319 --> 02:15:48.560 Go with a sure thing Denver's best roofer Excel roofing 2542 02:15:48.680 --> 02:15:51.319 dot com. You don't pay a cent until you're content. 2543 02:15:54.680 --> 02:15:57.840 Time for an insurance check up, free no obligation comparison 2544 02:15:58.000 --> 02:16:01.560 call Compass Insurance paying too much your coverage at dozens 2545 02:16:01.600 --> 02:16:04.319 of insurance companies find out now three all three seven 2546 02:16:04.399 --> 02:16:07.199 seven to one help You'll think you're his only customer 2547 02:16:07.279 --> 02:16:09.439 when you choose Frank durand the real estate Man dot 2548 02:16:09.560 --> 02:16:12.840 com to list your home with Remax Alliance three all 2549 02:16:12.880 --> 02:16:23.800 three nine two zero sixteen twenty two. Hi Tom Martine, 2550 02:16:24.000 --> 02:16:28.600 your trouble shooter. Three oh three seven one three talk 2551 02:16:28.720 --> 02:16:33.360 seven one three eight two five five. So Pete, let's continue. 2552 02:16:33.920 --> 02:16:39.159 You were put into a high risk. How much you paying? Yes, 2553 02:16:40.159 --> 02:16:41.000 how much you paying? 2554 02:16:42.360 --> 02:16:42.879 Oh wow? 2555 02:16:43.799 --> 02:16:47.040 It went up to seven thousand and forty four dollars 2556 02:16:47.120 --> 02:16:47.879 every six months? 2557 02:16:48.600 --> 02:16:51.520 Oh wow? For how many cars? 2558 02:16:52.760 --> 02:16:52.879 Uh? 2559 02:16:53.319 --> 02:16:56.360 Well, I have four. Have had a a workvan that 2560 02:16:56.399 --> 02:16:56.719 I drive. 2561 02:16:56.760 --> 02:16:59.319 I'm a plumbing contractor that my wife has Nissan Morano, 2562 02:17:00.040 --> 02:17:02.120 have a Ford truck that pulls our campers and stuff 2563 02:17:02.120 --> 02:17:03.879 that sits pretty much nine percent of the time. And 2564 02:17:03.879 --> 02:17:06.319 then I have a classic car ye in the garage. 2565 02:17:07.399 --> 02:17:10.440 And you have two accidents. Pete, you have two accidents 2566 02:17:10.479 --> 02:17:11.319 and your wife has one. 2567 02:17:12.559 --> 02:17:15.719 Yeah. Over the years, are the payoffs on the deal? 2568 02:17:15.840 --> 02:17:18.360 My insurance age you sent me, uh for hers was 2569 02:17:18.399 --> 02:17:21.159 a she Rectord Morano total it and her all her 2570 02:17:21.239 --> 02:17:23.159 payouts were like for the last three or four years 2571 02:17:23.239 --> 02:17:26.520 was twenty thousand dollars. Mine was eight thousand dollars for 2572 02:17:26.680 --> 02:17:27.879 just a couple of Finder benders. 2573 02:17:27.920 --> 02:17:28.079 You know. 2574 02:17:28.600 --> 02:17:30.520 Uh, then you know the tickets we got with them, 2575 02:17:30.559 --> 02:17:32.920 you know the recks. Either neither her and I have 2576 02:17:33.000 --> 02:17:34.879 ever had a du on Our Lives. She's fifty five, 2577 02:17:34.959 --> 02:17:35.719 I'm sixty five. 2578 02:17:36.040 --> 02:17:39.280 Yeah, and uh, you know, I just I just thought 2579 02:17:39.319 --> 02:17:42.159 that was that seems high. It does seem high. I mean, 2580 02:17:42.280 --> 02:17:44.639 I can understand you're going to be paying more for 2581 02:17:44.719 --> 02:17:48.520 your insurance. Really, the insurance companies look, depending on the carriers, 2582 02:17:48.600 --> 02:17:51.399 between three and five years a lot of most of 2583 02:17:51.479 --> 02:17:54.799 our five year experience period. So you could have you know, 2584 02:17:55.000 --> 02:17:57.959 eight tickets or eight accidents in year six or seven 2585 02:17:58.000 --> 02:17:59.879 and not get charged for it. But if it's within 2586 02:18:00.079 --> 02:18:01.440 that five years, you're going to get hit. 2587 02:18:01.719 --> 02:18:03.920 I didn't ask this far, but all right, maybe I 2588 02:18:04.000 --> 02:18:05.799 missed it. But did he have a DUI on there 2589 02:18:05.840 --> 02:18:05.959 or no? 2590 02:18:06.159 --> 02:18:08.120 No, no, he just had a couple of accidents and 2591 02:18:08.239 --> 02:18:09.079 she has an accident. 2592 02:18:09.399 --> 02:18:13.399 Just yeah, yeah, we've never read a d Our Lives, 2593 02:18:13.440 --> 02:18:15.559 you know, and we're very careful. Just you know, we're 2594 02:18:15.559 --> 02:18:19.000 getting older on and stuff happens. Yeah, I mean, the 2595 02:18:19.079 --> 02:18:21.920 accidents happened. But I know people that have had DUIs 2596 02:18:22.360 --> 02:18:24.360 and aren't paying half of what I'm paying. I'm like, 2597 02:18:24.479 --> 02:18:25.559 how is that even possible? 2598 02:18:25.600 --> 02:18:27.239 Well, I'd be happy to look at it, Pete and 2599 02:18:27.280 --> 02:18:30.200 see if if what you're getting is is well worth 2600 02:18:30.239 --> 02:18:32.680 you know, is overcharging you. 2601 02:18:34.440 --> 02:18:35.879 Yeah, I'd like to do that, you know. 2602 02:18:36.760 --> 02:18:38.000 All right, So how would we do that? 2603 02:18:38.159 --> 02:18:39.559 Just call it one of your offices and. 2604 02:18:39.920 --> 02:18:42.559 Yep, just call our office that three oh three nine 2605 02:18:42.600 --> 02:18:46.000 ninety six, nine thousand. We'll get the current declaration page 2606 02:18:46.239 --> 02:18:47.760 from your all state policy. 2607 02:18:48.520 --> 02:18:48.600 Uh. 2608 02:18:48.840 --> 02:18:51.239 And then just a driver list so you and your 2609 02:18:51.280 --> 02:18:53.200 wife's names data burst driver's license. 2610 02:18:54.280 --> 02:18:54.559 Okay. 2611 02:18:55.000 --> 02:18:57.120 And so having an agent like that is what's that add? 2612 02:18:58.360 --> 02:19:00.879 No no extra charge we get paid for the insurance company. 2613 02:19:00.920 --> 02:19:04.120 See, that's the biggest that's a big fallacy when people 2614 02:19:04.239 --> 02:19:06.280 believe that you don't add anything like that. 2615 02:19:06.639 --> 02:19:08.639 Now, if you have an all state price and we 2616 02:19:08.760 --> 02:19:10.559 got an all state price, they'd be the same price, 2617 02:19:10.680 --> 02:19:12.680 but you would have the agent to be able to 2618 02:19:12.760 --> 02:19:15.200 do the work for you. So you're not charged anything 2619 02:19:15.239 --> 02:19:15.840 extra for it. 2620 02:19:16.639 --> 02:19:18.920 Okay, Because I have a risk management partners now, they've 2621 02:19:18.959 --> 02:19:21.159 been my agents forever. We have our house with them 2622 02:19:21.239 --> 02:19:23.159 and everything, my business insurance and everything. 2623 02:19:23.399 --> 02:19:25.840 Well, and maybe they shopped around. They're a broker, it 2624 02:19:25.920 --> 02:19:28.040 sounds like, so maybe they already looked and that was 2625 02:19:28.079 --> 02:19:30.399 the best they could find. I can't answer that, but. 2626 02:19:31.159 --> 02:19:34.440 Okay, all right, I will give you call thanks you guys, Yeah, 2627 02:19:34.520 --> 02:19:34.760 thank you. 2628 02:19:35.239 --> 02:19:39.000 Don't forget. Compass Insurance can be reached at three oh 2629 02:19:39.120 --> 02:19:42.040 three nine nine six nine thousand, and you can get 2630 02:19:42.120 --> 02:19:44.760 us of course at three L three Martino three oh 2631 02:19:44.840 --> 02:19:48.479 three six two seven eight four sixty six, or you 2632 02:19:48.680 --> 02:19:51.719 can of course, always go to referrals dot com for help, 2633 02:19:51.799 --> 02:19:53.280 information and referrals 2634 02:20:00.280 --> 02:20:00.639 As