Speaker 1: Yeah, ripped off news, need advice when.
Speaker 2: You don't have.
Speaker 3: Come running just as nass as we can.
Speaker 4: Shooter's gonna help coming.
Speaker 3: Man.
Speaker 5: This is the Troubleshooter Show. Now Tom Martine.
Speaker 6: Good morning. This is not Tom Martine. This is John
Speaker 6: Fuller filling in for Tom, who'll be here later this morning.
Speaker 6: And those of you that know me know that I
Speaker 6: am a personal injury attorney here in town, have been
Speaker 6: for a long time, and so I really like coming
Speaker 6: to the program where we can talk about just all
Speaker 6: things that are going on with you. As you know,
Speaker 6: we solve problems, answer questions, take complaints, do all the
Speaker 6: normal fun stuff that we do here, and we look
Speaker 6: forward to your calls. Today we are gonna talk about
Speaker 6: a bunch of crazy stuff. What an amazing, weird, crazy
Speaker 6: time it is in our country right now. I mean, yeah, John,
Speaker 6: the media is just kind of like you know, four
Speaker 6: years ago or eight years ago all over again, and
Speaker 6: it's just I hope it's not a sign of what
Speaker 6: we have to come for the next four years.
Speaker 7: Well have you seen all the executive orders that Trump
Speaker 7: has signed?
Speaker 2: It is just amazing. Why is that news to anybody? Though?
Speaker 7: What amazes me is our system where Joe Biden can
Speaker 7: come in or any president could come in and sign
Speaker 7: executive orders and then four years later all those executive.
Speaker 2: Orders can be undone.
Speaker 7: I mean, the variability of it seems to me a
Speaker 7: little bit crazy that for four years you do something
Speaker 7: and then it's undone four years later. Whether it's Democrat
Speaker 7: or Republican, it just seems like a crazy system.
Speaker 2: Yeah, it is.
Speaker 6: I mean, that's kind of the I mean, that's the
Speaker 6: world we live in, though, I mean, to do otherwise
Speaker 6: would require, you know, the entire lawmaking process of going
Speaker 6: through the House and the Senate and back and forth
Speaker 6: sixteen times and getting something that you could get this,
Speaker 6: you know, all these people to agree upon and finally
Speaker 6: to get a law to be signed. It's just never
Speaker 6: going to happen in a short period of time. And
Speaker 6: so really, you know, even though the president is elected
Speaker 6: for four years, the reality is it's really only a
Speaker 6: two year term because at the end of that two
Speaker 6: years you have midterms and the country as a whole
Speaker 6: gets to say either thumbs up thumbs down, you're going
Speaker 6: in the right direction or you're not. And so the
Speaker 6: only opportunity you have to just more or less do
Speaker 6: your thing is that first two years of the administration,
Speaker 6: and then if you know, if you get a thumb
Speaker 6: of approval or you know, thumbs up of approval at
Speaker 6: the end of midterms, then maybe four.
Speaker 2: But I think there's just no time.
Speaker 6: I mean, you think about, even in your personal life,
Speaker 6: how quickly a month goes by in six months, and
Speaker 6: stuff that blitz in the White House has to go
Speaker 6: by in just a blink of the eye, and terms
Speaker 6: of all the stuff that they deal with, and particularly
Speaker 6: that lucky guy that's the president. But Biden did the
Speaker 6: same thing. He unwound all the stuff that Trump had
Speaker 6: done in the prior administration.
Speaker 2: They all do that, you know.
Speaker 7: I was not it was not. My point was not
Speaker 7: that it was it was wrong or right of each president.
Speaker 7: Just the system seems crazy that that can be done.
Speaker 6: What's crazy to me is if you hear people like
Speaker 6: our attorney general and the other twenty two people that
Speaker 6: were that were lined up to immediately file a lawsuit
Speaker 6: that you know, challenges this alleged birthright citizenship, you know,
Speaker 6: executive order that he signed. I mean, that didn't just
Speaker 6: happen overnight. It's not like he signed that executive order,
Speaker 6: and they sat around and said, what should we do? Gosh,
Speaker 6: we should do? You think we should file a lawsuit?
Speaker 6: I wonder who we could get together. I mean, this
Speaker 6: was in play for weeks and weeks before that executive
Speaker 6: order ever got signed. And that's the insulting part of
Speaker 6: it for me, is just that the wheels have been
Speaker 6: turning for so long and as soon as the inks,
Speaker 6: you know, not even dry yet, everybody's running to the
Speaker 6: courthouse to file all these lawsuits.
Speaker 8: Well they knew it was coming, I guess, And.
Speaker 7: I always thought it was crazy that two illegal slash
Speaker 7: undocumented aliens can come in have a baby and then that.
Speaker 2: Baby becomes a citizen.
Speaker 7: It seems to me a big loophole in what was
Speaker 7: intended with the fourteenth Amendment, which is really for slaves
Speaker 7: and for Native Americans. It was not for this kind
Speaker 7: of anchor baby situation.
Speaker 6: Yeah, if you guys listened to Michael Brown this morning,
Speaker 6: he gave an excellent history lesson on the meaning behind
Speaker 6: the fourteenth Amendment and the legislation that was going on
Speaker 6: at the time that it was enacted. And it's pretty
Speaker 6: clear that it's being interpreted in a way that arguably
Speaker 6: was not consistent with how the founders, you know, what
Speaker 6: the founders had in mind when they wrote that. But
Speaker 6: that's the that's the that's the system that we have.
Speaker 6: I mean, I can argue both sides of that. And
Speaker 6: people have been for generations and they will continue beyond
Speaker 6: my time, and and you know, we'll get something worked out.
Speaker 6: No matter what the system is, you're going to have
Speaker 6: people that take advantage of it, you know, and and
Speaker 6: do things that were never contemplated by the guys that
Speaker 6: wrote the amendment. No matter when it was written one
Speaker 6: hundred years ago or last week, it doesn't matter. So
Speaker 6: I don't know, it's crazy. We've got a quick call.
Speaker 6: We want to get to here. Gary, Talk to me, Gary,
Speaker 6: what's going on.
Speaker 9: I just wanted to think, Tom Martina, show both people.
Speaker 9: They help me if an issue, the issue didn't get resolved.
Speaker 2: But what kind of issue, Gary, Well, I heard.
Speaker 9: This company source one one source. Well, they charged me
Speaker 9: like thirty three hundred dollars for a fifth door.
Speaker 6: Part for a fifty dollars part.
Speaker 9: Well, the worst part is I took it down and
Speaker 9: all this is a hard copy. I gave copies to
Speaker 9: mister Bowle. Took it down to established electrical company here
Speaker 9: and there was never nothing wrong with the pro part.
Speaker 9: They refused to talk to us to Boom. The ratings
Speaker 9: on them are, oh my god, I put it out there.
Speaker 9: None that so many these people ripping so many people off.
Speaker 9: But anyway, fast forward. I went everywhere I could. I
Speaker 9: went to I even went to the as high as
Speaker 9: I could, to the city official, the building, the regional there.
Speaker 9: They all kind of blew me off. Just that's what
Speaker 9: it is, they said.
Speaker 6: So but we were able to help them in some
Speaker 6: small way there.
Speaker 9: At least put the word out that they're not a
Speaker 9: good business to do with.
Speaker 6: Sometimes that's all you can do there. Gary, Well, good
Speaker 6: luck in the future. Thanks for following up with this.
Speaker 6: We appreciate it and let us know if we can
Speaker 6: help you in the future.
Speaker 2: So I have a follow up. If you want to
Speaker 2: hear something, yeah, go ahead.
Speaker 7: So this eighty nine year old lady Jesse was charged
Speaker 7: five thousand dollars in change with Amergas and she doesn't
Speaker 7: know why. So it took quite a while, but we
Speaker 7: finally got into America Gas and it turns out that
Speaker 7: they weren't sending her the bill. It was a collection agency.
Speaker 7: So going over her papers to find out when she
Speaker 7: got propane. Once she didn't get propane, she actually found
Speaker 7: a bill that showed that her account was paid in full.
Speaker 7: So I told her, you know what.
Speaker 10: Makes see collections and if her account was paid in full, Ken, Well.
Speaker 2: America Gas apparently didn't know that.
Speaker 7: They sent her that bill detail detail, So I told
Speaker 7: her to make a copy of it, send it to
Speaker 7: the collection agency, you know, certified mail return receipt, requested,
Speaker 7: saying his proof that at this paid stage, I had
Speaker 7: no I owed no money on my bill, and please
Speaker 7: do not try to contact me any further otherwise I'm
Speaker 7: going to initiate legal action.
Speaker 8: Did she hear back yet, Well, this is just yesterday.
Speaker 1: Oh okay.
Speaker 7: It took us forever to finally get in touch with
Speaker 7: somebody at Americas, and then I was going over it
Speaker 7: with them, and then she tells me, you know, it's
Speaker 7: not an Americas, it's a collection agency.
Speaker 1: Wow.
Speaker 10: And I wonder if that's h her credit then, John,
Speaker 10: wouldn't that be like credit slander or something if she
Speaker 10: legitimately had that bill paid and it's sitting there on
Speaker 10: her credit as a ding.
Speaker 7: Wellyeah, they didn't think of credit. They were just trying
Speaker 7: to collect the money. So hopefully she'll send a copy
Speaker 7: of that statement and it will all retake care of it.
Speaker 7: I will keep you posted. But she's eighty nine years old.
Speaker 7: I had no idea what was going on.
Speaker 2: Just crazy.
Speaker 6: I've got a story to tell you guys about something
Speaker 6: remotely similar here, and we'll.
Speaker 2: Get to that right after this break. We'll be right back.
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Speaker 1: when you choose Frank durand the real estate Man dot
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Speaker 1: nine two zero sixteen twenty two.
Speaker 6: Hey, good morning, John Fuller. Back with you in the
Speaker 6: studio with me today is the wonderful and lovely Suzanne
Speaker 6: Majors and the wonderful and not so lovely Doc. Appreciate
Speaker 6: the compliment, right, We got to keep it real here
Speaker 6: today we are going to go to the calls. We
Speaker 6: have Eduardo on the phone right now. What's going on, EDWARDO,
Speaker 6: good morning.
Speaker 2: How you doing, good man? What's going on?
Speaker 11: Well, a little bit of problems. I got hired by.
Speaker 11: I got hired by these ladies. Their mom was a
Speaker 11: hospital for emergency and uh, ill, so I'm gonna ill
Speaker 11: that she's's dealing with. So, uh, the lady, the mother,
Speaker 11: she can't come home from hospital because you know, the
Speaker 11: house was all healthy and very dory and nasty. So
Speaker 11: I got hired to remodel the house and do whatever.
Speaker 12: We need to do to make.
Speaker 11: The house more believable so she can come home.
Speaker 2: Okay.
Speaker 11: So after all, I mean, project went good. Everything I
Speaker 11: finished up the way they want it. And then uh,
Speaker 11: after all, you started getting calls from uh the these
Speaker 11: uh you know banking They said, you know the there
Speaker 11: is a charge back about you. And then decide, I
Speaker 11: don't know anything about it. Then I found out it.
Speaker 6: Okay, let me ask you a couple of questions here.
Speaker 6: Did you have a contract with it? Were were the
Speaker 6: people that you dealt with the daughters of the lady
Speaker 6: in the hospital. Were they family members?
Speaker 11: Yeah, the daughters and mom okay, moments in the hospital.
Speaker 2: Gotcha.
Speaker 6: Did you have a contract with them specifying what you
Speaker 6: were supposed to do and how much you were going
Speaker 6: to get paid?
Speaker 11: Yeah, everything is uh, it's in writing.
Speaker 2: Okay.
Speaker 6: And and so if I understand you, you're saying they
Speaker 6: did pay you, but now the bank is trying to
Speaker 6: charge back the Was it a check or a credit
Speaker 6: card or what they how they pay you?
Speaker 11: Well, they paid me with the credit cards. Okay, they modeled.
Speaker 11: They give the guarded power and attorney letters so she
Speaker 11: can use, you know, the funds to remodel the house
Speaker 11: doing before she comes to this.
Speaker 10: So did they dispute the charge then? Or Eduardo, is
Speaker 10: that what happened and there was a charge back? Because
Speaker 10: usually in my experience with that, you can, you know,
Speaker 10: give a response to the dispute and then the credit
Speaker 10: card company will make a determination on that.
Speaker 11: Well, we did a dispute. We did a formal dispute
Speaker 11: with the credit card and just as the bank respondents unfortunately,
Speaker 11: when I UH able to help, you know, just they
Speaker 11: say the.
Speaker 8: Lady, when did they say why?
Speaker 11: Yeah, they said there was not a sufficient information. But
Speaker 11: we put a very strong report. I have the before
Speaker 11: and after picture. We have all everything documented.
Speaker 6: And so are they Are they saying that sorry? Are
Speaker 6: they saying that the daughters didn't have the authority to
Speaker 6: hire you or or something is wrong with the power
Speaker 6: of attorney? Or what are they what's their complaint? Why
Speaker 6: are they saying you don't deserve to get paid on this?
Speaker 11: Well, the letter, the attorney letter is everything is fine,
Speaker 11: you know, it's just the bank, like right now, the
Speaker 11: credit card bank is the one is trying to get
Speaker 11: my money. You know, they want to need to pay back.
Speaker 6: Yeah, I understand that, but that's a dispute really between
Speaker 6: you and the and the credit card company. Is there
Speaker 6: a dispute between you and the daughters or you and
Speaker 6: the mother about the work that you did or what
Speaker 6: you're entitled to?
Speaker 11: Uh, we haven't started. That's what I'm looking for help
Speaker 11: because I.
Speaker 8: Don't know how much was the charge back?
Speaker 6: Yeah, it's about seventeen k Okay, that's a lot of money.
Speaker 6: So have you contacted the daughters and said, what's going on?
Speaker 6: Why are you guys trying to dispute my charges?
Speaker 11: Well, I've been talking to the daughter and she said
Speaker 11: it's nothing that I can do. It it's off my hands.
Speaker 1: And so.
Speaker 11: No, no, no, no, no good response, no positive response,
Speaker 11: no nothing to say who signed?
Speaker 2: Who signed the contract? Yeah, who's your who's your contract with?
Speaker 12: Just with the daughters.
Speaker 6: So it is a contract in the mom's name by
Speaker 6: the daughters through their power of attorney.
Speaker 11: No, the contract is to the daughter, to the daughters
Speaker 11: because they are the one to hire me. I never
Speaker 11: talked to the grandma because she was under in the hospital.
Speaker 13: Right question, John, So maybe you know this if he
Speaker 13: filed a lien on the house, if the mother owns
Speaker 13: the house, but the daughters signed the contract, would he
Speaker 13: even have a balance.
Speaker 6: Yeah, that's what I was going at. He may not
Speaker 6: have the ability to actually put a lien on the house. Hey,
Speaker 6: when did all this go down? Give me a timeframe
Speaker 6: of this whole project and everything.
Speaker 11: This is happening. Then the last three months?
Speaker 2: Okay, So.
Speaker 6: I'm concerned exactly what you're saying, Suzanne, that if his
Speaker 6: contract is with the daughters as opposed to with the
Speaker 6: mom by the daughters. In other words, you know, if
Speaker 6: your contract was basically with the homeowner, but it was
Speaker 6: handled via the daughters by some authority, either a power
Speaker 6: of attorney, or or something. Then your contract would effectively
Speaker 6: be with the homeowner, and then you would have all
Speaker 6: the rights to go and file a lean on the.
Speaker 2: House and stuff.
Speaker 6: But I'm not so sure why you couldn't sue the
Speaker 6: daughters directly and in court to go after the seventeen
Speaker 6: thousand Was it mom's credit card or one of the
Speaker 6: daughter's credit cards?
Speaker 2: Is the mom's credit.
Speaker 11: She's the one to start the charge for.
Speaker 2: That, right disputing? Is she still alive?
Speaker 11: Yes, she is.
Speaker 8: Do you know if she actually owns the home?
Speaker 14: She owns the home the mother does.
Speaker 11: Yeah, the mother, she owns the home, and the daughter
Speaker 11: was supposed to move in after we finished the project, right,
Speaker 11: the daughter was supposed to move in to help her
Speaker 11: after her living is on, so you know, so they
Speaker 11: can have a different house to leave.
Speaker 6: I understand what's the time limit on, if you guys know,
Speaker 6: on filing a mechanic's lean or.
Speaker 10: I don't know the exact time limit, but I'm relatively
Speaker 10: certain he's within the time limit of lean.
Speaker 6: Or one hundred and twenty days or something like that.
Speaker 11: Yeah.
Speaker 10: I almost wonder about getting the daughter on colin her
Speaker 10: and ask her what the heck?
Speaker 7: Yeah, God, are the daughters trying to avoid paying you,
Speaker 7: or is it the bank that's giving you the problem.
Speaker 11: No, the daughter's is doing very nice and having to
Speaker 11: help it.
Speaker 2: She's she she can't be that nice.
Speaker 6: Somebody had to file the complaint with the credit card company.
Speaker 10: You know, when the daughter disputed the charge, Eduardo, you
Speaker 10: would have gotten you received some sort of statement saying
Speaker 10: exactly what she was disputing.
Speaker 8: Do you have a copy of that that you can
Speaker 8: send us?
Speaker 11: Yeah, we have, we have copy.
Speaker 10: Can you email over everything when we go on break
Speaker 10: and so we can look at the paperwork and try
Speaker 10: to make sense of it for you.
Speaker 11: Yeah, I mean I have all the documentation that I
Speaker 11: think is just enough to to.
Speaker 15: Prove okay, and everything.
Speaker 16: We do is right.
Speaker 6: All right, We're gonna put you on hold Edgardo and Kelly,
Speaker 6: you'll get with you and and and be able to
Speaker 6: help figure out emailing that documentation to us. We want
Speaker 6: to take a look. We want to try to give
Speaker 6: you a hand. Okay, hang on, We're going to go
Speaker 6: to a break real quick with you right back.
Speaker 1: Go with a sure thing. Denver's Best roofer excel roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free no obligation comparison
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three O three, seven
Speaker 1: to seven to one help. You'll think you're his only
Speaker 1: customer when you choose Frank durand the real estate Man
Speaker 1: dot com to list your home with Remax Alliance three
Speaker 1: three nine two zero six ten twenty two.
Speaker 6: All right, all right, all right, we're back on the air.
Speaker 6: This is John Fuller. I am a personal injury attorney
Speaker 6: in Denver. Here I'm filling in for Tom today. He'll
Speaker 6: be in a little bit later on, but in the
Speaker 6: meantime we are rocking and rolling through the issues. We've
Speaker 6: got a couple open lines, so if you have something
Speaker 6: you'd like help with, give us a call and we
Speaker 6: would be happy to help out. The number here at
Speaker 6: the studio is three one or three O three seven
Speaker 6: one three eight two five five seven one three talk
Speaker 6: or three oh three Martino, So give us a shout.
Speaker 6: If you want to email us, help at troubleshooter dot
Speaker 6: com is the email address, and so now you.
Speaker 2: Have no excuse.
Speaker 6: There's multiple ways to get ahold of us before the break.
Speaker 6: We're dealing with Edgardo and his issue with a contracting job.
Speaker 6: We've got Corey on the line. We're going to talk
Speaker 6: to him just a moment. We are getting Frank Ball
Speaker 6: on the line to help us. Frank is a collections
Speaker 6: attorney here in town. But in the meantime, we've got
Speaker 6: Zach on the line that's going to help us with
Speaker 6: some additional information. So, Zach philis and what is going
Speaker 6: on here?
Speaker 3: Oh?
Speaker 17: Yeah, my name is Zach Ben. I'm a friend of
Speaker 17: at Gardo's. I met him about two years ago and
Speaker 17: he helped me with a remodel job at my house.
Speaker 17: And yeah, this has been kind of friends since and
Speaker 17: I've been trying to help au Guard through this situation. So,
Speaker 17: as a Gardo mentioned, there was a chargeback initiated on
Speaker 17: a completed job about a month or two months after
Speaker 17: he completed the job. The mom said it was unauthorized
Speaker 17: and that she did not approve of that credit card
Speaker 17: to be used on her house.
Speaker 2: Got it.
Speaker 17: So now we're trying to get this figured out. So
Speaker 17: we submitted all the documentation over to Visa, and Visa
Speaker 17: came back and said, unfortunately, since the name on the
Speaker 17: invoice did not match the name to the credit card.
Speaker 2: They sided with.
Speaker 17: The customers, and now we're Edgardo was trying to figure
Speaker 17: out what next steps are in Small Flaims Court is
Speaker 17: too small. The mount is greater than Small Flames Court,
Speaker 17: but I believe is seventy five hundred.
Speaker 2: That's exactly Right's.
Speaker 17: They're going to go to the court that at Gardo
Speaker 17: unfortunately just doesn't have the funds to hire and attorneys
Speaker 17: that we're trying to figure out what other options we
Speaker 17: could pursue without having to put Edgardo aut more you know,
Speaker 17: financial harm right now than he already has been.
Speaker 6: So Zach, Here's what I don't understand. If the daughters
Speaker 6: are I mean, if there's no dispute between the daughters
Speaker 6: and Edgardo over his you know, the work that he did.
Speaker 6: We're not disputing the quality. If we just got Mom
Speaker 6: that shows up out of the hospital saying wait a second,
Speaker 6: I never authorized this, and you.
Speaker 2: Know no way know how what's going on with the daughters.
Speaker 6: Why are the daughters not saying Mom, we talked about this,
Speaker 6: you absolutely wanted us to do this and getting paid And.
Speaker 10: Also real quick, I'll interject for those who missed it,
Speaker 10: or for Frank Ball, who I know is listening. Mom
Speaker 10: has been in the hospital, she's elderly. Daughter's hired contract
Speaker 10: her to do some remodeling in mom's house. The contract
Speaker 10: is with the daughters, the house is in mom's name.
Speaker 10: The daughters used her credit card to pay the seventeen
Speaker 10: thousand dollars bill, and that's where it got disputed.
Speaker 8: Just to recap that.
Speaker 6: Let me ask you this, Zach, is there any issue
Speaker 6: about capacity of the mom?
Speaker 2: I mean, is she all together there?
Speaker 18: And so?
Speaker 17: Yeah, so I had the conversation. I actually recorded the
Speaker 17: conversation with the daughter.
Speaker 2: She's she's a very nice woman.
Speaker 17: But yeah, you're exactly right that the mom doesn't have
Speaker 17: the mental capacity. And she apparently has a history of
Speaker 17: disputing charges. She's done this many times, supposedly, and she
Speaker 17: just most recently did it so at guardos. So because
Speaker 17: of all this, they had power of attorney signed to
Speaker 17: the daughter then, who made to go forward with the remodel.
Speaker 17: And the reason the daughter now can't pay utgardos because
Speaker 17: she doesn't have the money to pay. The mom had
Speaker 17: agreed to all of it. I have a signed affidavid
Speaker 17: from the daughter, stating that the mom agreed to all
Speaker 17: of this work to be done, she wanted it done.
Speaker 17: She gave her credit card to have all of this done,
Speaker 17: and then she got home, changed her and then initiated
Speaker 17: the chargeback, saying that it was unauthorized.
Speaker 6: Wow. Wow, Okay, So I think at this point let's
Speaker 6: bring Frank on and start trying to sort through this. Frank,
Speaker 6: welcome to the show. This is John Fuller. I'm filling
Speaker 6: in today. I'm an attorney in town, but I do
Speaker 6: not do collections, and so we wanted your expert advice
Speaker 6: on where to go on this. At Guardo did the work.
Speaker 6: There's no dispute about the quality of the work. Nobody
Speaker 6: has any issue with the timeliness, with the materials, with
Speaker 6: anything at all.
Speaker 2: But Mom of limited.
Speaker 6: Capacity gets out of the hospital and says, I dispute
Speaker 6: the charges. And even though there was apparently a power
Speaker 6: of attorney that gave the daughters the authorization to enter
Speaker 6: into this contract, and even with an affidavit saying that
Speaker 6: Mom knew about this and wanted us to contract for
Speaker 6: these changes, the credit card company still sided with Mom
Speaker 6: and Edgardo is out seventeen grand. You're it.
Speaker 15: Well, yeah, I don't think you have any ability to
Speaker 15: sue the mom. You didn't enter it, and Edward didn't
Speaker 15: enter into a contract with mom. They entered in a
Speaker 15: contract with the daughters. So I think you have to
Speaker 15: sue the daughters if it's seventy five and it's seventy
Speaker 15: five hundred for a small claims court. I mean probably
Speaker 15: don't want to sue in a small claims court and
Speaker 15: reduce your bound to that. So I think you're stuck
Speaker 15: suing the daughters is where you are. I don't see
Speaker 15: there's any standing to sue the mom unless you made
Speaker 15: an agreement with the mom, even with all the extremest
Speaker 15: information about oh yeah, if fine, the work is terrific,
Speaker 15: But mom never entered into the agreement.
Speaker 6: Right. Do we have any sort of argument about unjustin
Speaker 6: Richmond on mom that the value of our house has
Speaker 6: been improved by the additions that EDWARDO did or Edgardo.
Speaker 2: I'm sorry, is there.
Speaker 6: Any avenue like that? I mean, I get what you're saying.
Speaker 6: Colorado has seventy five hundred in small claims, and I
Speaker 6: think what county court is twenty five grand, But you
Speaker 6: know he I would not advise him to go in
Speaker 6: pro se meeting without an attorney into the county court.
Speaker 6: I just don't think that would be the best deal.
Speaker 6: And you've got an ability to pay issue with the daughters.
Speaker 6: I think the daughters are saying, look, we don't have
Speaker 6: any dispute with you, but we don't have seventeen grand
Speaker 6: to pay you for this stuff. What do you recommend
Speaker 6: he does?
Speaker 15: Well, it sounds like the daughters authorized the work to
Speaker 15: be done. In terms of the daughters, they may not
Speaker 15: have the ability to pay it this second, but certainly
Speaker 15: perhaps they could enter into an agreement to pay it
Speaker 15: over time. Also, in terms of Eduardo, it's probably not
Speaker 15: the smartest thing in the world not to get some
Speaker 15: kind of money up front, because then you're setting yourself
Speaker 15: up for a situation like this where they say, sorry,
Speaker 15: you know, I don't I don't like the way you
Speaker 15: did the work. In terms of your question regarding usin Richmond,
Speaker 15: you know you can sue anybody for anything. Yes, you
Speaker 15: could sue her and say yes, I improved your property.
Speaker 15: But again, there's there's no agreement, there's no contractual relationship.
Speaker 15: I assume there's a written contractual relationship with the daughters. Yes,
Speaker 15: so that's who you're suing. And then if you want
Speaker 15: to add Mom to the lawsuit, I think you can.
Speaker 15: You can sue her for account stated, you can sue
Speaker 15: her for unjustin Richmond. You can see her for quantum
Speaker 15: there where, you can see her for a panoply of
Speaker 15: causes of accent and and go from there. But unless
Speaker 15: the daughters are going to agree to pay it, I mean,
Speaker 15: it was my situation, I would try to get the
Speaker 15: daughters to agree to pay. You know, maybe they can
Speaker 15: pay one thousand dollars a month, and then in the
Speaker 15: agreement it probably has some kind of interest component, and
Speaker 15: then you know, he's getting the money slowly, slowly, but
Speaker 15: at least he's getting the money, and some interest is
Speaker 15: kicked in as well.
Speaker 8: And Frank, this is Suzanne here.
Speaker 10: What about I guess the daughters had a power of
Speaker 10: attorney for their mom with that play into.
Speaker 8: It at all.
Speaker 10: As far as being able to make financial decisions, I think.
Speaker 6: It would make a difference if the contract was in
Speaker 6: mom's name by the daughter of a POA. That would
Speaker 6: be a whole lot different case.
Speaker 15: And I agree with that. I mean, the power of
Speaker 15: attorney only gives them permission to act on her behalf.
Speaker 15: But they didn't act on her behalf. They acted on
Speaker 15: their own, on their own right. That's why they owe
Speaker 15: the money. And you have some other creative causes of
Speaker 15: accent against the mom because she was enriched. But I
Speaker 15: would try to work whatever deal I could, because it's
Speaker 15: just not the cleanest deal. And even if you get
Speaker 15: a judgment against the daughters, who knows if you're ever
Speaker 15: going to be able to collect it. Better to get
Speaker 15: some kind of agreement and say, hey, you knew what
Speaker 15: you knew, this was the story, we Edwaro did a
Speaker 15: great job, and just just pay it and pay it
Speaker 15: slowly and looks up that and maybe they could take
Speaker 15: the lemons and turn into lemonade, not the sweetest lemonade,
Speaker 15: but at least get some money flowing.
Speaker 10: I do wonder if these daughters knew exactly what they
Speaker 10: were doing and Eduardo got clothes.
Speaker 6: It seems like, you know, that's an easy leap to make.
Speaker 6: But then to sign up a David saying you know
Speaker 6: that mom knew what was going on and stuff that
Speaker 6: doesn't seem to be really the work of somebody that's
Speaker 6: trying to build up a scam and then get out
Speaker 6: of pay.
Speaker 10: Why aren't they talking their mom into paying this poor guy?
Speaker 2: Just agreed?
Speaker 8: Mom, Come on.
Speaker 10: We did this for you, thinking you wanted this done.
Speaker 10: Pay this poor man and his seventeen grand John. Why
Speaker 10: are they advocating for him?
Speaker 2: I really get one of the sisters on the air.
Speaker 2: Can we do that?
Speaker 8: Good try? And that's Frank Ball three o three six
Speaker 8: two nine seven thousand.
Speaker 2: Thank you, Frank, Okay, thank you?
Speaker 6: All right, thanks guys, Edgardo. We're gonna we're gonna keep
Speaker 6: working on this. In the background, hang on, we got
Speaker 6: to take a quick break.
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Speaker 1: Time for an insurance checkup, free no obligation comparison call
Speaker 1: Compass Insurance paying too much your coverage at dozens of
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Speaker 1: to one. Help. You'll think you're his only customer when
Speaker 1: you choose Frank durand the real estate Man dot com
Speaker 1: to list your home with Remax Alliance three oh three
Speaker 1: nine two zero sixteen twenty two.
Speaker 6: All right, all right, good morning, John Fuller. Here we
Speaker 6: are moving rapidly forward on a whole bunch of different
Speaker 6: issues on the Troubleshooter Network.
Speaker 2: I'm filling in for Tom. He's going to be in
Speaker 2: a little bit later.
Speaker 6: We've been talking to at Gardo about his issue getting
Speaker 6: paid on a contracting job. We're going to try to
Speaker 6: wrap that up at Gardo. Here's the basic deal. You
Speaker 6: really have a choice to make in this. I think
Speaker 6: the lesson going forward is don't ever contract with anybody
Speaker 6: that's not the actual homeowner. Even if you did it
Speaker 6: through a third party, a daughter or some other agent
Speaker 6: person acting on behalf of it, still should be in
Speaker 6: the name of the actual landowners, so that if anything
Speaker 6: like this ever happened, you have the ability to go
Speaker 6: and sue the landowner and file a judgment and file
Speaker 6: a lean against the property and protect yourself going forward.
Speaker 6: So you know, that's just word to everybody about what
Speaker 6: not to do and what to do going forward. As
Speaker 6: far as your situation right now, you really have two choices.
Speaker 6: I think at this stage you would be well served
Speaker 6: to have an attorney on your side. I would think
Speaker 6: strongly about giving Frank a call and seeing if he could,
Speaker 6: you know, talk you through it. In more detail than
Speaker 6: we could do on the air. But I think the
Speaker 6: choice you're going to have to make is do you
Speaker 6: go to small claims court and limit your recovery to
Speaker 6: seventy five hundred or do you go to the county court,
Speaker 6: which has a twenty five thousand dollars jurisdictional limit and
Speaker 6: go for the gusto and hopefully get the judgment for
Speaker 6: the full amount. No matter which one you go with,
Speaker 6: you're going to have the ability to accrue interest and
Speaker 6: expenses and stuff you know that build up over time.
Speaker 2: And who knows.
Speaker 6: If you put one of those daughters in the position
Speaker 6: of having a judgment against them individually, they may very
Speaker 6: well go to mom and say, Mom, you got to
Speaker 6: pay this guy. This is not funny anymore. And that may,
Speaker 6: you know, prompt Mom to pay, inspire her to get
Speaker 6: right in the head about paying. I don't know that,
Speaker 6: but it leads you to have a judgment that you
Speaker 6: could enforce. Maybe you can get some payments or coup
Speaker 6: some of your money over time. It's a tough situation.
Speaker 6: I'm really I wish there was an easy answer to you.
Speaker 10: I think John, in talking to Frank Ball, he's going
Speaker 10: to get more informed to be able to make that decision.
Speaker 10: Am I better off in small claims or not?
Speaker 1: Right now?
Speaker 2: I think that's a I think that's exactly right.
Speaker 8: So we three six two nine seven thousand.
Speaker 10: Eduardo is Frank Ball's phone number, and Kelly can give
Speaker 10: that to you off the air as well.
Speaker 2: All right, good luck to you, sir. I appreciate the call. Corey.
Speaker 6: You've been holding for a long time. You have an
Speaker 6: issue about personal injury. What is going on, Corey?
Speaker 9: How's it go on?
Speaker 3: Good?
Speaker 14: Well, My question kind of to you would be my
Speaker 14: sister was recently, at the end of twenty twenty four
Speaker 14: in a auto pedestrian accident.
Speaker 6: Okay, which one was?
Speaker 14: She was walking, she was the pedestrian.
Speaker 2: Okay, she's okay.
Speaker 14: She went to the hospital, got some stitches in her head,
Speaker 14: some CT scan, She had some vertigo, dizziness for a
Speaker 14: few weeks afterwards, bruising on the torso and all that.
Speaker 14: Other than that, she is good and she's okay. Now,
Speaker 14: the question I have is the first law firm she
Speaker 14: went to, they didn't take her case because she doesn't
Speaker 14: have auto insurance. Because she doesn't drive, she only walks.
Speaker 14: That's why she was walking to work that day, and
Speaker 14: I'm just wondering why they wouldn't take her case because
Speaker 14: she doesn't have auto insurance. She doesn't have a car
Speaker 14: at all, nothing like that.
Speaker 2: Did the person that hit her have insurance?
Speaker 1: Yes?
Speaker 6: Did they pursue a claim against that person's insurance company?
Speaker 14: They wouldn't take the case. Luckily, she did go through
Speaker 14: another law firm that is taking the case, but saying
Speaker 14: they asked the same questions wanting insurance through her, but
Speaker 14: she had to explain multiple times that she doesn't have
Speaker 14: auto insurance, so't she's never owned a car, She's always
Speaker 14: just walked to work.
Speaker 6: Okay, So I don't know about your sister's case in particular,
Speaker 6: but here's some of the issues that I'm sure is
Speaker 6: going on. First and foremost is that when you're hit
Speaker 6: as a pedestrian and you have auto insurance, your medical payments,
Speaker 6: coverage and stuff would kick in and offer some relief
Speaker 6: for some of the medical bills that you might encour
Speaker 6: following that accident. You also have the ability to use
Speaker 6: your uninsured motorist coverage to stack on top of the
Speaker 6: coverage that the ad fault driver had that you know,
Speaker 6: may be limited we only have go.
Speaker 1: With a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up free, no obligation comparison call Compass
Speaker 1: Insurance paying too much your coverage at dozens of insurance
Speaker 1: companies find out now three all three seven to seven
Speaker 1: to one help. You'll think you're his only customer when
Speaker 1: you choose Frank durand the real estate Man dot com
Speaker 1: to list your home with Remax Alliance three all three
Speaker 1: nine two zero sixteen twenty two.
Speaker 16: Ripped.
Speaker 3: So you don't have come running as fast as we can.
Speaker 4: Shooter's gonna help come.
Speaker 5: Six is the Troubleshooter Show Now, Tom Martinez, all.
Speaker 6: Right, welcome back to the Troubleshooter Network. This is John
Speaker 6: Fuller filling in for Tom, who will be with us
Speaker 6: in a little bit.
Speaker 19: Here.
Speaker 6: We were working through some caller issues before the break.
Speaker 6: We're going to try to go back to Corey here
Speaker 6: for moment. Just to follow up, Corey's sister was involved
Speaker 6: in a pedestrian auto accident a little while back, and
Speaker 6: she's having trouble finding an attorney. Although she's finally found
Speaker 6: one the first one's passed on the case because she
Speaker 6: did not have her own insurance. And so, for the
Speaker 6: listeners on the air, of conversation ensued over the break,
Speaker 6: here's a basic deal. I mean, if you get hit
Speaker 6: as a pedestrian but you have auto insurance, you are
Speaker 6: still able to use your medical payments coverage. And if
Speaker 6: you have uninsured motorist coverage, that coverage would stack on
Speaker 6: top of the coverage that the ad fault driver had.
Speaker 2: On the other side.
Speaker 6: And so, without knowing any of the details about the
Speaker 6: ad fault driver, I was explaining to Suzanne that, you know,
Speaker 6: Colorado has this ridiculously low minimal limits of only twenty
Speaker 6: five thousand, but it's not the lowest around the country,
Speaker 6: and so we've got other states that have even lower
Speaker 6: like California which only has fifteen thousand. We've got Texas
Speaker 6: and only has twenty. We have Florida where you're not
Speaker 6: even required to carry that the liability insurance. I mean,
Speaker 6: there are some states that just have crazy laws that
Speaker 6: do not protect people that are in the position of
Speaker 6: Corey's sister, And so I don't know, you know exactly
Speaker 6: what led to their understanding. Corey does your sister have
Speaker 6: health insurance to help her out with the medical bills.
Speaker 14: I don't believe she does. She might, I know the
Speaker 14: law firm is actually trying to tag on to her
Speaker 14: husband's insurance. He has auto insurance, but she is, okay on,
Speaker 14: she's not covered under his policy.
Speaker 12: I don't believe.
Speaker 2: Is she an excluded driver under that?
Speaker 14: I wouldn't even know. I don't believe she even has
Speaker 14: the driver's license. In all my life, she's been afraid
Speaker 14: to sit behind.
Speaker 2: The wheel of a car.
Speaker 6: Oh okay, So I mean even that raises up a
Speaker 6: whole bunch of Go ahead, sir, I'll.
Speaker 14: Say to tag onto that twenty five thousand that you
Speaker 14: were saying, is that's what the law firm told her
Speaker 14: they were able to get her. My worry is her
Speaker 14: medical bills are kind of tacking on, and it seems
Speaker 14: like they're upwards of thirty thousand, maybe even thirty five thousand.
Speaker 12: Yep.
Speaker 14: Just wondering what step she should take to get.
Speaker 2: This paid for. Okay, So sure.
Speaker 6: That's a great question and one that a lot of
Speaker 6: listeners have have brought up over the years. Here's the
Speaker 6: basic deal. The Apohl driver is responsible for all of
Speaker 6: the medical bills, and so you know, if the bills
Speaker 6: are thirty or fifty or even one hundred thousand dollars
Speaker 6: and we only have twenty five thousand dollars of coverage.
Speaker 6: The way that we normally handle that is just negotiating
Speaker 6: with those creditors and the hospitals. They're very used to
Speaker 6: having people roll in their emergency rooms and get treated
Speaker 6: and run up huge bills and find out there's no insurance,
Speaker 6: and so the reality is they're happy to get some
Speaker 6: money rather than no money. Now, the other avenues that
Speaker 6: they may pursue are trying to retroactively getting her qualified
Speaker 6: or something like Medicaid, which is a needs based program,
Speaker 6: or if her husband has health insurance and she's on there,
Speaker 6: then she would obviously bill through the health insurance and
Speaker 6: we'd be dealing at that point with something called subrogation,
Speaker 6: which is the right of an insurance company to get
Speaker 6: paid back. There's no downside really to subrogation, except that
Speaker 6: you know it's another handout to get paid at the end.
Speaker 6: The upside of subrogation is that you get the benefit
Speaker 6: of repricing under the health insurance steel, so that thirty
Speaker 6: or fifty thousand dollars of bills may turn into only
Speaker 6: you know, six or eight thousand dollars or something like that,
Speaker 6: and you'd only be responsible for that repriced amount. So
Speaker 6: you know as to exactly what she should do and
Speaker 6: what course of action because she's represented by counsel, those
Speaker 6: are questions that her attorneys need to answer directly for her.
Speaker 6: But it sounds like she's going down the right path.
Speaker 6: The attorneys are going to negotiate those bills. They're going
Speaker 6: to get every penny that they can out of the
Speaker 6: at fault party if there's any chance of filing a
Speaker 6: claim on the uninsured motorist for her her husband's policy.
Speaker 6: You know, even if she is an excluded driver, she
Speaker 6: wasn't driving, and so I think just because she's a
Speaker 6: member of the household, they probably are going to succeed
Speaker 6: in getting coverage under his uninsured motorist coverage and hopefully
Speaker 6: open the door to some additional dollars that could be
Speaker 6: used to help compensate her. So all really interesting issues
Speaker 6: and questions. I hope she does well and recovers fully,
Speaker 6: and you know, good luck to her attorneys.
Speaker 2: Thanks for the call, Corey, We appreciate it. We are
Speaker 2: going to move right along here.
Speaker 10: Quick toime question about excluding a driver on your insurance.
Speaker 10: So where's that line.
Speaker 8: You know, you have a twelve year old who doesn't
Speaker 8: have a license, do you have? You don't exclude them
Speaker 8: from your policy.
Speaker 10: But you have a grown wife who doesn't have a license,
Speaker 10: you you should exclude her anyway.
Speaker 6: No, So exclusions normally come into play when somebody's got
Speaker 6: a really bad driving record and the insurance company said, look,
Speaker 6: we're not okay with this insurance extend to you know,
Speaker 6: let's say Ken had you know five d UIs okay,
Speaker 6: and we just don't want him to drive another car,
Speaker 6: so we would exclude him and say, look, he's in
Speaker 6: the household. We understand that you could always let him
Speaker 6: drive the car. But if you do that, there's no
Speaker 6: coverage whatsoever because he specifically is an excluded driver. However,
Speaker 6: if he's a front seat passenger when I'm driving and
Speaker 6: we get in an accident, why would he not then
Speaker 6: be entitled to the benefit of the uninsured motorists provisions
Speaker 6: that stack on top of what the other driver hast
Speaker 6: So one is, when he's driving, even if he has permission,
Speaker 6: they're not going to extend coverage. The other issue is
Speaker 6: whether all the other provisions like medpay and uninsured motorists
Speaker 6: and stuff would then stack on top of some other
Speaker 6: at fault driver's coverage.
Speaker 8: So she may very well have such insurance. He just
Speaker 8: needs to wait and explore.
Speaker 6: Say again, yeah, I did see that, so this is
Speaker 6: an interesting deal. Let's uh, let's go to line six.
Speaker 6: This is Joanna. Joanna, I understand that you are the
Speaker 6: daughter of the mom that owns the house that Edgardo
Speaker 6: did all the work on.
Speaker 2: Is that correct, Yes, that is correct.
Speaker 6: Thank you for calling in to us. Help us understand
Speaker 6: what's going on here, Joanna.
Speaker 1: Oh, we have a.
Speaker 20: Person with a mental illness, got it. Long story short.
Speaker 21: She had open heart survey h August thirty. First, some
Speaker 21: weird catastrophe happened to her, My daughter.
Speaker 20: My whole entire family. We helped her as well as
Speaker 20: at Gardo. His whole entire team helped us purge a
Speaker 20: home that was hoarding.
Speaker 21: We had to fix the sheet, we had to fix water,
Speaker 21: we had the big electrical there was It took us
Speaker 21: hours to clean up the refrigerator where there were dead flies, maggots.
Speaker 21: So when you do you hoard somebody's home and take
Speaker 21: away their ability to expose their mental capacity. Then her
Speaker 21: retaliation has She's done throughout all of the years to
Speaker 21: distribute all of the charges I turned over to all
Speaker 21: of the banking institutions a.
Speaker 20: Power of attorney.
Speaker 21: We showed her pictures, we showed her videos, We included
Speaker 21: her into everything. And so now we're just down to
Speaker 21: a mental illness. And so I doesn't know what to do.
Speaker 22: I don't know what to do.
Speaker 6: Yeah, have you guys thought or have you pursued taken
Speaker 6: over mom's finances and and getting some sort of a
Speaker 6: court order that puts you guys in charge of her
Speaker 6: of her affairs.
Speaker 20: She's put in a situation where we couldn't How is that.
Speaker 20: I'm a single person, I'm self employed. She's been coming
Speaker 20: after my accounts. I don't have a bank account anymore
Speaker 20: because of her situation.
Speaker 2: Mom's coming after you.
Speaker 20: Yeah, she's been calling the police.
Speaker 22: She's been trying to evict.
Speaker 20: Us, like it's very you have no idea. How hard
Speaker 20: has this been?
Speaker 3: So glad somebody's listening.
Speaker 21: So in this home entire situation.
Speaker 20: So what.
Speaker 6: Does your mom have resources? Is your is your mom
Speaker 6: financially sound in a good place.
Speaker 21: She's with her fiance boyfriend, who supposedly has.
Speaker 20: A lot of power.
Speaker 2: And what respect.
Speaker 20: Money.
Speaker 21: She's also into the situation. Fiance is also contributing. He's
Speaker 21: part of the consistent harassment, one of the problems advising
Speaker 21: her of how to of how to go through the
Speaker 21: process of trying to evict us and trying to cause
Speaker 21: financial distress for everybody, just Gardle, but for myself, like
Speaker 21: none of us can move forward. We had to break
Speaker 21: leases in order to assist her through her heart situation.
Speaker 21: She agreed upon that, and then she flipped because she didn't.
Speaker 20: Want to pay.
Speaker 21: She flipped the script and nobody's listening. Now called crisis centers.
Speaker 21: We've had recess at our house seven times and nobody
Speaker 21: is doing anything.
Speaker 6: Joanna, I have a bunch of other questions, and I
Speaker 6: really appreciate you calling, and if you could just please
Speaker 6: hang over a break.
Speaker 2: We've got to we've got to take a real quick
Speaker 2: break and we'll be right back.
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Speaker 1: a cent until you're content than time for an insurance
Speaker 1: checkup free no obligation in comparison, call Compass insurance paying
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Speaker 1: Help You'll think you're his only customer when you choose
Speaker 1: Frank durand the real estate man dot Com to list
Speaker 1: your home with Remax Alliance three all three nine two
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Speaker 6: All right, all right, all right, John Fuller here filling
Speaker 6: in for Tom. We are back on the Troubleshooter Network
Speaker 6: and we are going right back to the phones. We
Speaker 6: have Joanna just to give us a little bit of
Speaker 6: background here. In the first hour, we had Edgardo call
Speaker 6: us and at Gardo is a contractor who was hired
Speaker 6: to do some work on a house that was owned
Speaker 6: by a lady who was in the hospital after suffering
Speaker 6: from I believe a surgery of some variety. And and
Speaker 6: the daughters were cleaning up the home and needed some
Speaker 6: work done on it and hired Edgardo to come in
Speaker 6: and do the work to the tune of I think
Speaker 6: seventeen thousand dollars. And mom was aware of it, according
Speaker 6: to the daughter, and everything was good, and Mom's credit
Speaker 6: card was used to pay for the work that was
Speaker 6: done in the house, and then when Mom got out
Speaker 6: of the hospital and came home, Mom disputed the charge,
Speaker 6: said it was fraudulent, and the credit card company backed
Speaker 6: Mom and Edgardo ended up getting, you know, not paid
Speaker 6: for this entire job, which is a significant job for him.
Speaker 6: In the meantime, Edgardo has also reached out to the
Speaker 6: daughters that contracted with him to do the work and
Speaker 6: they agree, at least as far as I can understand completely,
Speaker 6: that Edgardo did the work he was supposed to do
Speaker 6: should be paid.
Speaker 2: And then in the last.
Speaker 6: Hour, we got a call from Joanna, the daughter of Mom,
Speaker 6: and we've been talking with her, and Joanna, thank you
Speaker 6: for calling the show. We appreciate it, and thanks for
Speaker 6: sharing your story with us. So you were telling us
Speaker 6: that Mom is just to recap here. Mom is suffering
Speaker 6: from some mental illness and disease, and it's quite the
Speaker 6: struggle for you and I understand kind of from some
Speaker 6: of the off the air conversations, and help me make
Speaker 6: sure I get this right. Was before Mom went to
Speaker 6: the hospital, you've used the word de hoarding and stuff.
Speaker 6: Was Mom living in a hoarding situation in her house, yes,
Speaker 6: but was she living alone or was she living with
Speaker 6: this fiance person.
Speaker 3: She was living.
Speaker 20: Alone, but he was visiting her quite frequently. He has
Speaker 20: several properties.
Speaker 2: Okay, how old is your mom?
Speaker 20: She's now eighty three?
Speaker 6: Eighty three years old, living in a hoarding house and
Speaker 6: has a sometimes Beyonce that you've described as being you know,
Speaker 6: is wealthy the right term, that's her term.
Speaker 2: What's what's his? Have you met this guy? What's his
Speaker 2: investment in this whole time?
Speaker 20: I'm not quite sure that's the problem. He supposedly is
Speaker 20: a security guard for a church where they help a
Speaker 20: lot of people. And I'm with all of the things
Speaker 20: that we discovered with a guardo working on the home,
Speaker 20: we were baffled by. If he's able to help her,
Speaker 20: why wasn't he able to do the things before? The
Speaker 20: right and then and and it's it's just a very weird,
Speaker 20: very sick scenario.
Speaker 6: Are you concerned that this boyfriend is trying to take
Speaker 6: advantage of your mom and that she's an at risk adult?
Speaker 20: I feel like he's been doing it to all of us.
Speaker 20: But she's not an at risk adult. She's a willing participant.
Speaker 20: From the things that I found within the home. Tell
Speaker 20: me more about that, just by how she is so
Speaker 20: codependent on him. Ope, and she's currently staying with him.
Speaker 20: Since August thirty first or October thirty first, they both
Speaker 20: have been coming to the house trying to cause chaos.
Speaker 20: He came with her and they took the back door.
Speaker 20: Knob off. We have an infant in the house, sixty heat.
Speaker 6: Did you and your sister move in after your mom
Speaker 6: went to the hospital and you had this work done?
Speaker 20: My daughter, my whole family, Your whole family.
Speaker 21: Gave her own least my daughter, my son.
Speaker 20: In law, my granddaughter, myself. I'm fifty two years old.
Speaker 20: I used to work for them and brothers when they
Speaker 20: fought bankruptcy and New York Exchange stock exchange. It was
Speaker 20: a former mortgage line up theer, so like I have
Speaker 20: very skill of a high skill set of how to
Speaker 20: fix and flip a home.
Speaker 6: Sure, And but just so we're clear, you you weren't
Speaker 6: living there before she went to the hospital, and you
Speaker 6: and your whole family moved in after the work was done,
Speaker 6: and after they de hoarded the property and all that stuff.
Speaker 2: Is that right correct? And you said something about a lease.
Speaker 2: Did you sign a lease with mom.
Speaker 20: We provided her leases. We were going to help her
Speaker 20: pay for that. The whole job, that was the intention
Speaker 20: is to take care of her.
Speaker 2: Hey, what does that mean? We provided her leases? What
Speaker 2: does that mean?
Speaker 20: We gave her cop We gave her copies of leases.
Speaker 20: We told her we will help you pay for this.
Speaker 20: We're moving in to assist you and pay for the job.
Speaker 6: You basically drew up your only with your mom as
Speaker 6: the purported landlord and signed it and gave that to
Speaker 6: your mom, saying, look here, mom, here's a source of
Speaker 6: income that's going to help you pay for these repairs. Correct,
Speaker 6: But your mom didn't ask for the leases. Your mom
Speaker 6: didn't sign the leases. She's not really a party to
Speaker 6: these contracts. They were just put together to help she.
Speaker 20: She did sign the leases, okay, fully cognitive. She signed
Speaker 20: the leases and the power of attorneys. She was fully
Speaker 20: aware of what we were getting ready to do. I
Speaker 20: took seven days before we decided to after her major
Speaker 20: open heart surgery. I waited till she was off all
Speaker 20: machines and into a different position in order to be cognizative,
Speaker 20: in order to sign leases and power of attorneys. And
Speaker 20: we have witnesses hundreds of witnesses within the hospital. So
Speaker 20: she stayed in rehab for forty five days that we
Speaker 20: were rehabbing her home to bring her home. Also, I
Speaker 20: might mention that she also had an intention of rehabing
Speaker 20: and fixing her bathroom. She had a different company come
Speaker 20: in and give her a quote and asked me to
Speaker 20: negotiate her getting out of that contract. And I believe
Speaker 20: part of the reason why she is disputing that is
Speaker 20: disputing at Gardos is because she has to pay the
Speaker 20: legalities of the other contract of the bathroom that she
Speaker 20: entered in before she had her heart situation. Before she
Speaker 20: and we did not know about this until she had
Speaker 20: her heart situation.
Speaker 9: And so she's dug.
Speaker 20: Herself into a big legality and she's trying to make
Speaker 20: it look like that she is the victim, But she's
Speaker 20: the one that executes and goes through this, executes a
Speaker 20: contract and then goes through a buyer's remorse. And that's
Speaker 20: that mental illness. She has a history and a pattern
Speaker 20: of that, and I have documentation of that.
Speaker 6: When you talked about welcome to mental illness and stuff,
Speaker 6: what do you think your mom's suffering.
Speaker 20: From extreme narcissism, Well.
Speaker 7: That's not you mean like dementia or Alzheimer's, right, I'm
Speaker 7: a clinical diagnosis.
Speaker 20: I mean she might be at that point now because
Speaker 20: she's in her eighties. But schizophrenia, bipolar personality, I know.
Speaker 6: But narcissism is not really a qualifying diagnosis that would
Speaker 6: let a court come in and say you need to
Speaker 6: step in and take over your mom's finances here. You know,
Speaker 6: I don't want to give you legal advice. I'm going
Speaker 6: to turn it here in town, but that's not my
Speaker 6: role here, and I don't want to do that. But
Speaker 6: it seems to me that you're in a real pickle,
Speaker 6: and I don't envy the situation you're in. You know,
Speaker 6: I also think that Edgardo has got to pursue every
Speaker 6: option that he can to protect his rights. And unfortunately,
Speaker 6: absolutely you could get roped into that and and you know,
Speaker 6: if for no other reason than just to preserve every
Speaker 6: right that he has down the road.
Speaker 2: But it sounds like.
Speaker 6: She's trying to constructively evict you at the same time.
Speaker 2: Yep, guys, just crazy. Yeah, doct do you have any
Speaker 2: ideas on where to go with mom?
Speaker 7: The only thing is, have you spoken to any of
Speaker 7: our doctors about getting them to give you a clinical diagnosis.
Speaker 20: Yeah, and he my, go just wait it out.
Speaker 2: Okay, So basically.
Speaker 7: They're not willing at this point to identify with a
Speaker 7: specific disease. Okay, That's all I had, John, I thought
Speaker 7: maybe that would be an avenue to pursue.
Speaker 2: Yeah. I think you're I think you're right.
Speaker 6: I mean, if if mom is you know, at worst,
Speaker 6: you know, it has a personality defect that, you know, God,
Speaker 6: I'd be I'd be gone a long time go, you know,
Speaker 6: But it doesn't sound like she truly has a mental
Speaker 6: you know, a mental illness diagnosis. And that's what it's
Speaker 6: going to take as a doctor, thinking that somebody needs
Speaker 6: to step in on her behalf to help manage your affairs.
Speaker 6: And and unfortunately, it sounds like she is pretty able
Speaker 6: to manage your affairs. Maybe not rightfully or or morally
Speaker 6: and stuff, but she's she knows what she's doing and
Speaker 6: and is going from there. I you know, you guys
Speaker 6: just have a mess going on here, and I don't
Speaker 6: know how it's going to play out. But my concern
Speaker 6: is this guy from the church, I mean, that just
Speaker 6: has all the hallmarks of somebody that would take advantage
Speaker 6: of an older, you know person, and and and lead
Speaker 6: them down this road of believing that they're the fiance
Speaker 6: and they're the you know, you know, they're they're the
Speaker 6: they're the guy that can help guide them through everything,
Speaker 6: and and they gain trust and they end up taking
Speaker 6: advantage of it. And so I certainly hope that your
Speaker 6: mom is not in that situation and that that doesn't
Speaker 6: come to pass. But man, that's the first thing that
Speaker 6: I think of when I hear that circumstance. So I
Speaker 6: wish you luck with that, and we're going to leave
Speaker 6: it at that. But I really appreciate you calling in
Speaker 6: the show today. I think that's been very eye opening
Speaker 6: for all the listeners and I wish you the really
Speaker 6: the best of luck with that, Joanna, thanks for calling.
Speaker 6: All right, we are going to take a quick break
Speaker 6: here and then we'll be right back. We've got a
Speaker 6: number of calls stacked up here that we want to
Speaker 6: get to, so all the Calders, Raylan, Amy, Paul, Joey,
Speaker 6: you guys all hang on.
Speaker 2: Will be getting to you in just a moment.
Speaker 1: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check up free, no obligation. In comparison,
Speaker 1: call Compass Insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three oh three seven
Speaker 1: seven to one help. You'll think you're his only customer
Speaker 1: when you choose Frank durand the real estate Man dot
Speaker 1: com to list your home with Remax Alliance three oh
Speaker 1: three nine two zero sixteen twenty two. Hey Tom Martine here,
Speaker 1: welcome to the show. Three O three seven one three
Speaker 1: talk seven one three h five five. The studio is
Speaker 1: still with us, the gang. You'll see me on the
Speaker 1: corner here, and we're all here fighting for you. Let's
Speaker 1: go right to the phones. Also, I have fixed at
Speaker 1: twenty four to seven here, and I did something different.
Speaker 1: I started gathering some emails and questions on home systems
Speaker 1: HVAC which is heating and air, also water and drains,
Speaker 1: you know, plumbing and drains and other stuff. And we'll
Speaker 1: get to those questions. And I can do this either way,
Speaker 1: Kachina and sues and uh Dragon. We can get at
Speaker 1: him on the air and and keep him on hold
Speaker 1: over there, or I can put him on Google Voice.
Speaker 1: What would you prefer. At this point, I think you
Speaker 1: guys should call it.
Speaker 8: I'll send it to Kelly.
Speaker 1: I have this phone number. Let's get him on standby.
Speaker 1: Let's get him on standby, and then I'll be shooting
Speaker 1: questions at him. And again, this is not jeopardy. He
Speaker 1: doesn't have to know the answer. He can simply he
Speaker 1: can simply find out the answer. Joey has a hot
Speaker 1: tub issue. Joey, what the heck is going on?
Speaker 23: Hi?
Speaker 22: Tom? Can you hear me? Hi?
Speaker 16: Tom, hear me?
Speaker 1: I can hear you? What's happening?
Speaker 9: Okay?
Speaker 22: Great, very very long story short. I have a hot tub.
Speaker 22: I've had it less than a year. It is under warranty,
Speaker 22: and it was scheduled.
Speaker 1: For Where'd you buy the hot tub? Where'd you buy it?
Speaker 1: Where'd you buy it?
Speaker 22: Colorado Springs hot Tubs?
Speaker 1: Okay, and you've had it less than a year. What's
Speaker 1: wrong with it?
Speaker 16: Yes?
Speaker 22: One, it's a manifold, a defective manifold. It's leaking.
Speaker 12: Okay.
Speaker 22: It's in an airbnb. When I purchased it, I went
Speaker 22: in there looking for a hot tub for an Airbnb,
Speaker 22: a no frills, kind of heavy duty hot tub, and
Speaker 22: I worked directly with the owner, Dusty, he's the one
Speaker 22: who sold me the unit. This is the unit, he
Speaker 22: pointed me too.
Speaker 1: How much did you pay for it?
Speaker 22: Eleven thousand?
Speaker 1: Okay, well, you know that's not unheard of if it's
Speaker 1: a big one. I don't know when you say a
Speaker 1: defective manifold. My obvious question is this, why is somebody
Speaker 1: on my sheet here?
Speaker 2: Okay?
Speaker 1: My obvious question is why didn't they fix it?
Speaker 22: Okay? So it is covered under warranty and they didn't
Speaker 22: get the part. I was scheduled for repair January twentieth,
Speaker 22: but because I left the once review for the or
Speaker 22: quality hot tub it has. It's had a lot of
Speaker 22: issues since I bought it, but little things that I
Speaker 22: can still use a hot tub.
Speaker 11: Yeah, so you know what?
Speaker 1: Okay, So they didn't like that you left the one stary?
Speaker 1: Did they refuse to fix it?
Speaker 22: He canceled. I've been only dealing with the owner. He
Speaker 22: canceled the service, so the part came in. I had
Speaker 22: to wait for the party came in. I was scheduled
Speaker 22: for the twentieth, Like I said, he canceled the service
Speaker 22: and said they would not fix it unless I removed
Speaker 22: the review. I then went and talked to the manufacturer.
Speaker 22: They've been helping me. They've been very cool about it.
Speaker 22: They talked to the owner, and the manufacturer confirmed Yep,
Speaker 22: they're not going to fix it unless now. Not only
Speaker 22: do I have to remove the review, he is requiring
Speaker 22: that I sign a waiver stating I will not state
Speaker 22: anything negative about their company on any social media.
Speaker 1: So well, listen, I listened, hold on, hold on, Let
Speaker 1: me weigh in on that. Let me weigh in on that.
Speaker 22: I'm listening.
Speaker 3: I don't like it.
Speaker 1: I don't like it, but it's all up for negotiation.
Speaker 1: There's no laws broken there. If you want to do it,
Speaker 1: If they fix it to your satisfaction and you want
Speaker 1: to agree to that, fine, I mean it's not going
Speaker 1: to hold any weight if they don't fix it. So
Speaker 1: I don't see any harm in that if they if
Speaker 1: they ultimately come through. Maybe he felt you you posted
Speaker 1: the review prematurely. I'm not going to debate your rights.
Speaker 1: You have the absolute right to do it and to
Speaker 1: get warranty service. But he can also refuse and then
Speaker 1: you end up in court. So I think it's easier
Speaker 1: to just negotiate it.
Speaker 11: Well, So there is a little.
Speaker 22: Bit more so I've been talking to the manufacturer. He
Speaker 22: pointed me to the next company that could fix it.
Speaker 22: They're in Denver. They okay, they're okay, sure, they're not
Speaker 22: going to fix it. So I have no other choice.
Speaker 22: This is the only company that can fix this warranty repair. Okay,
Speaker 22: if I go, if I have somebody else fix it,
Speaker 22: it will avoid my warranty. Okay, that's the issue. I
Speaker 22: am forced to use this company to happen.
Speaker 1: Let me ask you something, what tell me something? Tell
Speaker 1: me something. If if they want to come through and
Speaker 1: fix it, and they do fix it, what do you
Speaker 1: have against putting up an accurate review? Saying at first
Speaker 1: I was dissatisfied they came through, they did a good
Speaker 1: job or whatever, or or just taking it down. What
Speaker 1: is your issue with that?
Speaker 22: Well, I don't like the coersion and extortion. There are
Speaker 22: cusumer protection laws about that.
Speaker 1: There is no there aren't no no and it is
Speaker 1: there are no laws concerned. There are no laws concerning this.
Speaker 1: You can you can, you can imagine all you want,
Speaker 1: there aren't. Now listen, I don't like the coheresion either,
Speaker 1: But in this case, I want to know why did
Speaker 1: you put up the one story route? Were they ignoring
Speaker 1: you before it or what what was happening?
Speaker 22: No, No, my review was very simple. It's only a
Speaker 22: few lines. It is simply what happened with the hot tubs,
Speaker 22: of the things that broke along the way, and then
Speaker 22: the the man. You know that it's leaking. It's less
Speaker 22: than a year old.
Speaker 1: It's a poor but it's not their fault. That was
Speaker 1: all Springs hot tubs. They didn't manufacture it, right.
Speaker 22: I just put up a review about the product that
Speaker 22: they sold me. I actually gave them a five star
Speaker 22: review for their service, but I gave those one.
Speaker 15: Star for the product.
Speaker 1: Joey, Joey, don't give in, don't negotiate, keep your review up,
Speaker 1: and then you're not going to get service. You're going
Speaker 1: to have to sue them for what's called specific performance.
Speaker 1: John weigh in on this, wigh in on the practicality here,
Speaker 1: John Fuller way in on a meal.
Speaker 6: You know, we have these calls over and over again,
Speaker 6: and we always, you know, wonder about the propriety of
Speaker 6: leaving a really scorching review before you're done doing business
Speaker 6: with the company, and it just never it just never
Speaker 6: works out the way you want it to. You know,
Speaker 6: if it was simply a matter of saying, these people
Speaker 6: never call me back, period. And you left a scorching
Speaker 6: review and they called you back and stuff, then you know,
Speaker 6: maybe it's maybe it's.
Speaker 2: Worth going in and removing the review and waiting un
Speaker 2: till later on.
Speaker 1: But here's what I want to ask you, John, I
Speaker 1: want to ask you something. If she refused to do it,
Speaker 1: she flatly refused, and if she totally just flatly refused
Speaker 1: and they won't come out, there is a such thing
Speaker 1: as specific performance under that warranty, right, I mean you
Speaker 1: to take there are tons of money.
Speaker 6: Yeah, you'd have to look at the contract and see
Speaker 6: exactly what rights you have. I'm also concerned. I believe
Speaker 6: that Magnuson Moss Act, you know, gives you the ability
Speaker 6: to get you know, there's way you're not beholden to
Speaker 6: one company only to do the warranty work. So I
Speaker 6: don't know if she may not have some other rights
Speaker 6: to look at a different company. But I mean at
Speaker 6: some point that maybe what she has to do is
Speaker 6: to get her hot to fix by somebody, and then
Speaker 6: you know, she suffered the damages, that she could go
Speaker 6: after the original company for specific performance is hard.
Speaker 2: I mean, it's really hard to make somebody.
Speaker 1: Why I'm telling her it's it's not worth it. It's
Speaker 1: just not worth it.
Speaker 2: I think, catch Tom.
Speaker 7: If she, if she signs that document says I won't
Speaker 7: do you know, get it done, and then if it's done,
Speaker 7: she puts a factual review on some website, can they
Speaker 7: go after hard because I thought that as long as
Speaker 7: what you're saying is true, that's a uh.
Speaker 1: Anybody can go look at anybody. Anybody can go after
Speaker 1: anybody for anything. Okay, that is not the practical answer.
Speaker 1: The practical answer is why the hell do you have
Speaker 1: to be so stubborn? Don't let him give it a
Speaker 1: little catch him. You don't want to give it in,
Speaker 1: don't give in. Go to court, go with John. How
Speaker 1: much will a specific Horman's loss food cost her?
Speaker 6: Well, if you're paying an attorney by the hour, it
Speaker 6: could easily be ten to fifteen grand by the time
Speaker 6: you get.
Speaker 2: A cor Go to Mark.
Speaker 1: And by the way, you're not going to get attorney's fees.
Speaker 1: I'm Tom Martino more coming up. Go with a sure
Speaker 1: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 1: pay a cent until you're contenth time for an insurance
Speaker 1: check up free, no obligation. In comparison, call Compass Insurance
Speaker 1: paying too much your coverage at dozens of insurance companies
Speaker 1: find out now three oh three, seven to seven to
Speaker 1: one help. You'll think you're his only customer when you
Speaker 1: choose Frank durand the real estate Man dot com to
Speaker 1: list your home with Remax Alliance three oh three nine
Speaker 1: two zero sixteen twenty two. Hi Tom Martino here and
Speaker 1: welcome to the show.
Speaker 19: Listen.
Speaker 1: I want to go to Raylan real quick here, waterpros
Speaker 1: dot net the best water systems, the lowest prices anywhere,
Speaker 1: and I mean it. You can get a system for
Speaker 1: around thirty five hundred bucks the whole shooting match. You
Speaker 1: can get drinking water at the kitchen sink for eleven
Speaker 1: hundred dollars. Triple filter, reverse osmosis. They're wonderful people. Three
Speaker 1: oh three eight six two five five five four Raylan,
Speaker 1: stay tuned by the way from Fixing twenty four to seven.
Speaker 1: I can't believe how many inquiries we have, including Genies
Speaker 1: about HVAC sizing. I want to get her on, so Genie,
Speaker 1: hang on there, Raylan, I was working with you I
Speaker 1: got you contacted me through next door and as I
Speaker 1: remember the twenty twenty one Buick Vision, they were giving
Speaker 1: you a loaner, and I said, ride with them a
Speaker 1: while and see as long as you're not being charged
Speaker 1: for the loaner and they're trying to fix it, you're
Speaker 1: not putting mileage on your loan on your car, just
Speaker 1: ride with them. Where does it stand right now, Raylan?
Speaker 16: Well, this morning I received a call Fromanta by saying
Speaker 16: that my credit card declined, and I said, what why
Speaker 16: did you get my time?
Speaker 20: Did you get my Democrat?
Speaker 17: And they said to the paperwork, But.
Speaker 1: I said, all the wait, wait, wait, wait, wait, Raylan,
Speaker 1: Hold on, Raylan, I thought they were paying for your
Speaker 1: loaner car.
Speaker 11: They were, but apparently they stopped in nine man of rears.
Speaker 16: Are four hundred and twelve dollars so far?
Speaker 1: Okay, hold on, Raylan. Next question, you're let me back
Speaker 1: up your twenty twenty one buick Envision was under warranty, right.
Speaker 11: Yes, sirs? Third thousand miles?
Speaker 1: And why why? As I remember it, they told you
Speaker 1: you could drive it if you wanted to while waiting
Speaker 1: for a part.
Speaker 12: Is that right, yes, sir?
Speaker 23: But as I've been reading on the internet that part
Speaker 23: could have stopped my vehicle at any time while I
Speaker 23: was driving and cutt me a major ex.
Speaker 1: Right, go with a sure thing Denver's best roofer Excel
Speaker 1: Roofing dot com. You don't pay a cent until your
Speaker 1: content wait time for an insurance check up free, no obligation.
Speaker 1: In comparison, call Compass Insurance paying too much your coverage
Speaker 1: at dozens of insurance companies find out now three all
Speaker 1: three seven seven to one help. You'll think you're his
Speaker 1: only customer when you choose Frank durand the real estate
Speaker 1: Man dot com to list your home with Remax Alliance
Speaker 1: three oh three nine two zero sixteen twenty two.
Speaker 4: Ridd news need advice?
Speaker 3: Who you don't have? Run in just as fast as
Speaker 3: we can.
Speaker 4: Shooter's gonna help come MANX is the Troubleshooter Show.
Speaker 1: No Tom Martine, Hey Tom Martino here, Welcome to the show.
Speaker 1: Three O three seven one three talk seven one three
Speaker 1: eight two five five. You are in the best show ever.
Speaker 1: Why because we solve problems, we answer questions, we take complaints.
Speaker 1: We make your life a little easier With the whole team.
Speaker 1: The whole team, including John Fuller, our attorney at law,
Speaker 1: who is our bench strength. He fills in when we
Speaker 1: need him. And then we have Major Mark Mouth Major,
Speaker 1: Major Mark Major, and he is on his way home
Speaker 1: from the inauguration. And then we have all of our deputies.
Speaker 1: They're wonderful and uh so, right now, Jeanie, I'm not Genie.
Speaker 1: I'm sorry, Raylan. She just doesn't trust her in vision.
Speaker 1: It needs a transmission shifter real quick. Here they say,
Speaker 1: as we left this problem, I said, ride it, just
Speaker 1: use the loaner and wait for the part. But you said,
Speaker 1: they stop paying for the loaner. And here's what they claim.
Speaker 1: You can drive your car. It's not dangerous, it's not
Speaker 1: a safety hazard, and they don't want to keep paying
Speaker 1: for the loaner. So here's what I need to know, Raylan.
Speaker 1: You said it needs a shifter. Is that right?
Speaker 2: A shifter shift?
Speaker 1: What do you mean by I do you do you mean?
Speaker 3: Do you mean a.
Speaker 1: Module that control? Uh huh, Raylan, Raylan, just answer my
Speaker 1: Raylan answer. I'm asking a specific question. Is it a
Speaker 1: the literal shifter that you put your hand on and
Speaker 1: move or is it something like a control module?
Speaker 9: You know?
Speaker 16: They the way they identify it was a module transmission
Speaker 16: to theion.
Speaker 1: That's what it is. It's a TCM. Okay, got it,
Speaker 1: Thank you? All right? Can we get Kevin on again
Speaker 1: and see if that is nationally back ordered on a
Speaker 1: twenty twenty one view a convension. Also, I'm gonna have
Speaker 1: Deputy D call over there to them.
Speaker 24: God, there's something else that Raylan told us that, which
Speaker 24: is her debit card was declined at Enterprise. So it
Speaker 24: sounds like she's been paying for Enterprise all along, Raylan?
Speaker 1: Is that you know, here's what I think happened. Maybe maybe,
Speaker 1: but I think they've been paying and then recently refused
Speaker 1: and she was the backup guarantee. That's what I think.
Speaker 1: But Raylan, if you're only four hundred dollars behind, that's
Speaker 1: doesn't represent a big period of time. How much do
Speaker 1: they say, four hundred dollars is for a month, a
Speaker 1: week or what I think a week? Yeah, so they
Speaker 1: have been paying, She's had this for months.
Speaker 23: They just recently stopped and apparently just now.
Speaker 1: All right, I'm gonna have Deputy D look at I'm
Speaker 1: gonna have Deputy D Raylan, Raylan, we want to help you.
Speaker 1: Hang on, Deputy deal be calling you. I promise I'm
Speaker 1: not trying to shut you down. I know your concerns. Well,
Speaker 1: we have to figure out. And I'm gonna ask Kevin
Speaker 1: Caulkin if this is a safety issue or not. Okay,
Speaker 1: because if it's not, Raylan, We're not We're gonna have
Speaker 1: a tough time making an argument. You can't use your car, Okay.
Speaker 1: I'm not saying you have to. Let's find out. I'm
Speaker 1: Tom Martine More. I mean, I mean, let's go to
Speaker 1: the next call and we have fixed my home dot
Speaker 1: com with us. I have Hannah over here. Good buddy,
Speaker 1: and Hannah, thanks for being here. I got some questions
Speaker 1: I've been saving up and I want to know if
Speaker 1: you guys are ready. First, I want to take the
Speaker 1: caller on the line. Genie. Jeanie, are you there, I'm here, Jeanie. Okay, Genie,
Speaker 1: you are the one. You are the one that had
Speaker 1: a question about sizing your furnace in AC Is that
Speaker 1: right correct? And from everything I could find out, and
Speaker 1: I looked up some stuff and checked with my experts,
Speaker 1: you needed about what was called a three tons system.
Speaker 1: Now here's what I want to ask our expert. Is
Speaker 1: it going to be Adam Adam, are you there?
Speaker 8: It's Logan.
Speaker 1: Adam is going to be there. Logan is just hanging
Speaker 1: on the phone for Adam, and he's going to get
Speaker 1: Adam when we need him. So tell me when Adam
Speaker 1: is available. Okay, I'm available. Now, I'm gonna okay Adam, Hey, Adam,
Speaker 1: are you there?
Speaker 2: Yeah?
Speaker 18: How's it going?
Speaker 12: Guys?
Speaker 2: All right?
Speaker 1: Man, listen. So, from what I could find out, she
Speaker 1: has a sixteen hundred and fifty four square foot one
Speaker 1: story ranch flat roof two point five inch foam insulation
Speaker 1: walls have about sixteen what do you call it in
Speaker 1: density wool rock?
Speaker 3: Sixteen? What do they call it?
Speaker 1: Sixteen? Yeah, that's right, sixteen are so I get it? Okay,
Speaker 1: I get it? Say it again? Our value? Okay? Sixteen.
Speaker 1: And she has a new double pane windows. And from
Speaker 1: what I can find out, it would take about in
Speaker 1: sizing in heating and air. First, let's talk about sizing.
Speaker 1: From what I can find out, she's going to need
Speaker 1: about she's gonna need about a furnace size of about
Speaker 1: forty nine or fifty thousand BTU and an AC size
Speaker 1: of about three tons. Now, what I want to know
Speaker 1: is this, how is that I mean, I don't want
Speaker 1: to go through the math or the formula, but is
Speaker 1: there any benefit to putting in bigger?
Speaker 18: So just to backtrack just a little bit, it's great
Speaker 18: enough you try to size equipment based on the size
Speaker 18: of the house, but that's relatively irrelevant based on the
Speaker 18: size of the duct work. Because yeah, it's great we
Speaker 18: put in a pump that pumps one hundred gallons of
Speaker 18: water per minute, But if we only have a hose
Speaker 18: that can handle fifty.
Speaker 12: What does that matter?
Speaker 18: So we need rising equipment based on duct work, the
Speaker 18: r value, the insulation, all that stuff is great to
Speaker 18: know because that's that that correlates to heat loss, right,
Speaker 18: But we need to know the size of the duct work,
Speaker 18: and then based on the duct work we can appropriately
Speaker 18: size the piece of equipment.
Speaker 1: Okay, because it's useful to put in one that the
Speaker 1: ducks can't handle, and some of the older homes might
Speaker 1: have smaller duct work. Is that right?
Speaker 22: Yeah?
Speaker 1: Is there anything you can do to retrofit duct work
Speaker 1: or is that just too cost prohibitive?
Speaker 18: Anything is possible, tom, but yeah, you know, with enough
Speaker 18: money something, Yeah, there are some things that can be done,
Speaker 18: like turning veins, dampeners, yeah.
Speaker 2: Stuff like that.
Speaker 12: So there are things vans be done.
Speaker 18: Yeah, exactly like you can you can get booster.
Speaker 9: Next question, vans.
Speaker 1: Next question. When you have a certain tonnage of AC
Speaker 1: and certain bet you of furnaces are are they matched?
Speaker 1: In other words, you're not going to have a giant
Speaker 1: AC in a smaller furnace or a smaller or a
Speaker 1: larger furnace and a smaller AC. They're kind of matched.
Speaker 1: Is that right?
Speaker 2: Yes?
Speaker 1: Okay, Now, then what I don't understand, and as I
Speaker 1: remember this, Genie, didn't they also repurpose your repurpose your
Speaker 1: swamp cooler duct.
Speaker 16: The swamp ducks in the ceiling are now considered calder returns.
Speaker 1: According to that, Adam, I'd never heard of anything. I've
Speaker 1: never heard of anything more screwed up. They literally repurposed
Speaker 1: the ceiling duct work that was used for a swamp cooler.
Speaker 1: And is this ceiling duct work in your attic, Genie.
Speaker 16: No, it's a slat roof.
Speaker 1: So where is the duct work? Literally? Can you see
Speaker 1: it when you look up in your house?
Speaker 16: Yeah? I can take the vents down and look right
Speaker 16: through it.
Speaker 1: Okay, So the ductwork is literally exposed on your ceiling
Speaker 1: is that right?
Speaker 16: No, the vents are camping, the venting, they're flushed to
Speaker 16: the the ceiling.
Speaker 1: Okay. So then even though you have a flat roof,
Speaker 1: there has to be room in that flat roof between
Speaker 1: your ceiling and the outside for the duct work. Correct, okay.
Speaker 1: And they cut off the swamp cooler, and now they're
Speaker 1: using that duct work to return air to the furnace.
Speaker 2: Is that right?
Speaker 16: The swamp cooler remains on the roof because it's a
Speaker 16: farm roof, and they blew the farm up along the
Speaker 16: planum on the four sides of the swamp cooler. I
Speaker 16: would not let them remove the swamp cooler away because
Speaker 16: they did not want water coming between the.
Speaker 1: Farn Okay, left, But the duct work, the ductwork is
Speaker 1: no longer be being used by the swamp cooler. Is
Speaker 1: that correct?
Speaker 16: Correct?
Speaker 1: Okay? Now, Adam, I've never heard of such a thing
Speaker 1: of having ceiling duct work for return air. Shouldn't return
Speaker 1: air be at the bottom of the room.
Speaker 18: Not necessarily. First thing I got to ask is, so
Speaker 18: if you have a flat roof and you have no attic,
Speaker 18: where is your furnace.
Speaker 16: The furnace is in the hall closet towards the rear
Speaker 16: of the building where the.
Speaker 14: Three bedrooms are.
Speaker 2: Got it, thank you?
Speaker 17: So ideally right in the.
Speaker 16: Floor, Adam, the duct work for the heat is in
Speaker 16: the floor.
Speaker 1: Yes, he's got it. So they have a closet furnace,
Speaker 1: they have ductwork in the floor and ceiling return air.
Speaker 1: And you're telling me that you've heard of high returns
Speaker 1: as opposed to low returns in.
Speaker 18: A perfect world.
Speaker 1: Do you want both? I've always I've always thought, Adam, Adam,
Speaker 1: correct me if I'm wrong. I've always thought you want
Speaker 1: return air at the bottom of the room and then
Speaker 1: the supply air. I don't know, I don't know what
Speaker 1: the hell I'm talking about. So return air is the
Speaker 1: return air is the air that's going back to the
Speaker 1: furnace or the ac to be recirculated, right, correct, So
Speaker 1: expound on that. Where do you want it?
Speaker 16: Adam?
Speaker 18: Yeah, So let's let's just let me explain real quick
Speaker 18: how that works.
Speaker 15: Right.
Speaker 18: So heat rises good, right, So towards the ceiling, the
Speaker 18: air is going to be warmer, where on the ground
Speaker 18: it's going to be colder. If you want an equal
Speaker 18: temperature throughout your home, you want to be pulling the
Speaker 18: hot air from up top and then the cool air
Speaker 18: from down below so that you can have an equalized
Speaker 18: temperature throughout the home, so that you're not dealing with
Speaker 18: you know, up at six feet where your head is,
Speaker 18: it's super warm and down at your feeling it's twenty
Speaker 18: degrees difference. Right, you want to be circulating air and
Speaker 18: equalize the air temperature jop the home. If you're only
Speaker 18: pulling from the bottom, the heat is just going to
Speaker 18: keep okay, up on the top.
Speaker 1: I get it. That's good, Okay, I didn't know that.
Speaker 1: So now, so her main issue right now, I think, Geenie,
Speaker 1: you say it's pretty noisy, Is that right?
Speaker 22: Yes?
Speaker 16: They had a bedroom. There's a uh shower stall, toilet.
Speaker 16: Next to that is a changing vanity room and closets
Speaker 16: that has one air ducked in the toilet area and
Speaker 16: a cold air return in the changing section. You step
Speaker 16: into the bedroom, there's a swamp cooler vent right over
Speaker 16: the doorway, and there's two four events for heating. There's
Speaker 16: five vents total in that room. That is the noisiest room.
Speaker 16: Of course, that's my beat.
Speaker 1: Sometimes I don't think. I don't think you can. I
Speaker 1: don't know. They might have oversized it. They might. There's
Speaker 1: so many things that could be done. Here's going to
Speaker 1: be the problem. You just had this system installed when
Speaker 1: Monday the thirteen, and did they put a four ton
Speaker 1: AC in that place?
Speaker 16: Yes, they did, with a three and a half choil
Speaker 16: for the AC underneath it. And they did not finish
Speaker 16: putting the condenser in because I stopped them. They were
Speaker 16: going to put the condenser in the day after on Tuesday.
Speaker 16: I said, no, you're not. You put in a four
Speaker 16: ton furnace. And the proposal is all equipment will be
Speaker 16: three and a half.
Speaker 1: And what about the furnace. What size is your furnace
Speaker 1: four ton? Well, no, it's not. Your furnace is measured
Speaker 1: by bt US.
Speaker 16: Well the furnace, Adam's going a question for you.
Speaker 1: Hold on, I really want to get to one topic
Speaker 1: before we hop to another. Hold on a second. You
Speaker 1: need to get this system analyzed. But here's the problem.
Speaker 1: How much was the entire entire estimate for this HVAC system?
Speaker 16: Hold your head, I'm seventy four hundred.
Speaker 1: That's not a lot of money. That's not a lot
Speaker 1: of money at.
Speaker 20: All that price.
Speaker 16: I'll let everybody else well this quote.
Speaker 1: Yeah, but here's the thing. What good is seventy four
Speaker 1: hundred for a half asked half price if it's not
Speaker 1: done right? Hold on, I got to take a break.
Speaker 1: I got to take a break. Hold on, I'm Tom Martinez.
Speaker 1: We're gonna come back with more right after this. Go
Speaker 1: with a sure thing Denver's Best Roofer Excel dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up free, no obligation. In comparison, call
Speaker 1: Compass Insurance paying too much your coverage at dozens of
Speaker 1: insurance companies find out now three all three seven to
Speaker 1: seven to one.
Speaker 2: Help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three oh three nine two zero
Speaker 1: sixteen twenty two. Hi Tom Martino, you're a troubleshooter three
Speaker 1: oh three seven. Once you talk, I'm gonna go back
Speaker 1: and forth to this HVAC thing. But right now, Adam
Speaker 1: Hannah wanted to ask, is this part of the free
Speaker 1: second opinion from fix It? I know it's a you
Speaker 1: do free second opinions if someone has told you need something,
Speaker 1: but after they're already sold something, I know how you
Speaker 1: guys operate just like all the other good companies. You're
Speaker 1: not gonna try to work with a screwed up system
Speaker 1: because you're gonna own it, right, I mean, be honest here,
Speaker 1: what would you do if you looked at it and
Speaker 1: it's all screwed up?
Speaker 18: We'd probably end up having to start from scratch.
Speaker 1: Yeah, and would you even reuse the equipment?
Speaker 18: No?
Speaker 1: Yeah, So this woman, it doesn't sound like it doesn't
Speaker 1: sound like they did it the right way. But I'm
Speaker 1: not sure if they did or not. But you can
Speaker 1: at least give her an opinion, right happily? Okay? Would
Speaker 1: that be a free second opinion?
Speaker 22: Yes, that is correct.
Speaker 1: Okay, Geenie, we're gonna hook you up for that. Really,
Speaker 1: it's silly to keep going without knowing what the problem is.
Speaker 1: And listen, I'm sure if there's a simple fix here
Speaker 1: or there, they might make a recommendation. But please understand,
Speaker 1: no matter who you call, no matter who you call,
Speaker 1: very few people will work with a previously in solved
Speaker 1: system because.
Speaker 11: They own it.
Speaker 1: When they do that, anyone else who wants a free
Speaker 1: second opinion fixmihome dot com or seven to zero five
Speaker 1: two six thirty nine, thirty nine, Kevin Caulkin. I had
Speaker 1: a question for one of my listeners who I've been
Speaker 1: working with, Raylan, who had this twenty twenty one envision. Hey, keV,
Speaker 1: Hey is this TCM on a twenty twenty one buick
Speaker 1: in vision? I think I may have asked you this
Speaker 1: is that nationally back ordered?
Speaker 25: Do you know a lot of them are yeah, yeah,
Speaker 25: you get okay, I can verify it. But yeah, we're
Speaker 25: having trouble with a.
Speaker 3: Lot of them.
Speaker 1: Yes, I'm gonna have Deputy D call you after he
Speaker 1: talks to her. He's trying to work with her. But
Speaker 1: here's what I want to know. Is it a safety item?
Speaker 1: She said? They say, look, we don't want to pay
Speaker 1: for a loaner because she can drive her car, and
Speaker 1: she says, no, I can be stuck or stranded. Well,
Speaker 1: tell me about it. What would a TCM do that
Speaker 1: could make her stranded?
Speaker 25: It could do a number of things. I mean, it
Speaker 25: could be as it maybe it won't shift, maybe it'll
Speaker 25: shift erratically. I mean it'll run the whole gambit to
Speaker 25: even just put a check engine line on and affect
Speaker 25: it no other way. So it's it's kind of put.
Speaker 1: It screw her up, though not put it strand her somewhere.
Speaker 25: Any car can strand you anywhere at any time. I mean,
Speaker 25: it's but it just depends on the fault. But I
Speaker 25: have not really seen a TCM shut the transmission down completely,
Speaker 25: you know, just out of the blue.
Speaker 1: You know what I would do, and I'm going to
Speaker 1: ask Deputy D to do this. Maybe what we do
Speaker 1: is have her get her car, with the understanding that
Speaker 1: if she stranded, they would come get the car.
Speaker 12: Oh.
Speaker 25: Absolutely, yeah, yeah, see I speak exactly.
Speaker 24: I think I need to speak with a servicing dealer
Speaker 24: just to get a really good understanding of what the
Speaker 24: issue is. She keeps saying shifter, we're saying TCM. Now,
Speaker 24: then she's then she said a transmission module. That's what
Speaker 24: she said. Yeah, she did say that. Yeah, So I'd
Speaker 24: like to speak with them first, and I'd also like
Speaker 24: to resolve the issue of whether or not they were
Speaker 24: even obligated to provide a loaner.
Speaker 1: No, they're not, that's what I thought. They're not. Technically
Speaker 1: they're not. But all over the country this is happening
Speaker 1: right keV. Where people are their cars are down for
Speaker 1: six months?
Speaker 25: Yes, some are not even drivable down for six months
Speaker 25: and they don't get loan of them.
Speaker 3: Yeah.
Speaker 2: Yeah, I'll follow up on this.
Speaker 24: I think my first step is going to be speaking
Speaker 24: to speak with the dealer. Then I'll call Kevin and
Speaker 24: then we'll come up with this some kind of a
Speaker 24: resolution to this.
Speaker 2: Thanks.
Speaker 1: Kevin shared an auto tech dot com three oh three,
Speaker 1: four five, five, seventy two forty two that shared an
Speaker 1: auto tech dot com. Okay, Amy, what's going on?
Speaker 23: I am having a lot of problems with myself phone carrier.
Speaker 3: I what was them about?
Speaker 23: Probably about eight months ago and bought a phone, and
Speaker 23: then about six months ago in October, the cell phone tower,
Speaker 23: one of their cell phone towers went out, so I
Speaker 23: lost all my pictures, I lost my data.
Speaker 1: I wasn't told wait wait wait, no, no, no, a
Speaker 1: cell tower going out.
Speaker 8: That doesn't make sense.
Speaker 1: No this, No, you're at sus. You were taking the
Speaker 1: words right out of my mouth, Amy, having bad service
Speaker 1: or even no service would not affect the cloud or
Speaker 1: the card in your phone or the memory. So I
Speaker 1: don't understand how you equated poor service or a downed
Speaker 1: cellular tower with lost data. Tell me who made that
Speaker 1: connection for you?
Speaker 3: Well?
Speaker 23: Actually, so my phone went completely white, and I couldn't
Speaker 23: I couldn't get you any service. So I went into
Speaker 23: the phone store and she.
Speaker 26: Said, okay, you're just gonna have to buy another phone.
Speaker 26: And I thought it was me and I was like, what,
Speaker 26: you know, I didn't do anything to my phone, and
Speaker 26: then so I bought another phone. Well, after I bought
Speaker 26: the phone, I went to pay my next bill and
Speaker 26: she said, oh, by the way, our towers went out
Speaker 26: that day. So there was a cell phone tower that
Speaker 26: went out that day. A lot of people had to
Speaker 26: buy a new phone. And I was like, oh, well,
Speaker 26: that would have been nice to be told that, because
Speaker 26: I don't know if I would have.
Speaker 1: Bought well that listen, of course not, you would have
Speaker 1: not needed a new phone. They used it to sell
Speaker 1: you a new phone. You have two issues here. Listen carefully, Okay,
Speaker 1: you have two issues. One is whether you needed the
Speaker 1: phone or not. But the other issue is that's when
Speaker 1: you lost your dat is when they transferred you to
Speaker 1: a new phone. So yeah, with that particular cricket service,
Speaker 1: is your data stored on the SIM card, in the
Speaker 1: memory of the phone, or in the cloud?
Speaker 3: Do you know.
Speaker 23: It's stored in the memory of the phone. I believe
Speaker 23: I have a flip phone I had to get because
Speaker 23: of a stalker situation. So yeahh wait a minute, you.
Speaker 1: Had to get a flip phone because of a stalker. Yeah, yeah,
Speaker 1: so how did that flip home? I'm curious, how did
Speaker 1: the flip phone help you? Because it had less I
Speaker 1: don't know. Was it not hackable or what? What do
Speaker 1: you mean?
Speaker 23: Yeah, they're they're more, they're harder to hack. And I
Speaker 23: wouldn't access the Internet on there. There's a weight. There
Speaker 23: would be a way to access the Internet through my
Speaker 23: through my end, but I felt like it would be safer.
Speaker 9: I was told, oh, I get it.
Speaker 1: So you had a pretty much you got as low
Speaker 1: tech of a phone as you could get.
Speaker 23: Yeah, way too low tech. So and then you know
Speaker 23: my new phone. Yeah, I used for a couple of months,
Speaker 23: but I'm unemployed and I needed to change carriers. So
Speaker 23: I called Consumer Cellular. I said I need to I'm
Speaker 23: on a different plan through through a family member, and
Speaker 23: so I got set up with them. Well, when I
Speaker 23: called Cricket, I said, I need you to unlock my phone,
Speaker 23: and they said, oh, we can't. You have to have
Speaker 23: that phone for six months.
Speaker 12: Great, and I was very.
Speaker 23: I'm sorry.
Speaker 1: Yeah, that's because when they give you a phone or
Speaker 1: upgrade you, you commit to a certain amount of time
Speaker 1: so they can repay themselves for that. Oh yeah, Now
Speaker 1: here's what I want to know. It is, so are
Speaker 1: you still hold on? Are you still with Cricket or
Speaker 1: are you with Consumer Cellular? No?
Speaker 23: I went with Consumer Cellular. But now I can't, you know,
Speaker 23: put the new SIM card in the phone because the
Speaker 23: phone is locked.
Speaker 1: Well what when I was locked?
Speaker 23: The flip phone that I got through Cricket?
Speaker 1: Okay, because it's the second phone, the first phone, or
Speaker 1: the second Cricket phone, the second Cricket the one that
Speaker 1: does work. Okay, So the second Cricket phone, did it
Speaker 1: have your data on it? The second one?
Speaker 23: No, it didn't have any of my pictures or anything.
Speaker 2: No, So I did your.
Speaker 1: First Cricket phone have it?
Speaker 9: Yeah?
Speaker 1: Well where okay? Hold on? Then then you don't need
Speaker 1: to transfer anything from the second Cricket phone, the first
Speaker 1: Cricket phone. Where were your pictures stored on the SIM card?
Speaker 23: No, they were stored in the phone. They don't store
Speaker 23: those on the SIM card. That's what I was told.
Speaker 1: Okay, So is there a way to take the first
Speaker 1: cricket phone and transfer your pictures.
Speaker 23: No, they're gone because of the cell phone tower. The
Speaker 23: phone just went completely white.
Speaker 1: So no, no, they're not gone because of the cell
Speaker 1: phone tower. Dear, they're not gone. If they were in
Speaker 1: that first phone, they're still in that first phone.
Speaker 24: Does the first phone turn on anymore or do you still.
Speaker 2: Just get the white screen?
Speaker 3: Yeah?
Speaker 23: No, it doesn't turn on anymore. I just got the
Speaker 23: I get the white screen when I turn it on.
Speaker 1: Okay, I think that's our answer, even if that's what happened.
Speaker 1: The phone broke and so did its memory. That's where
Speaker 1: your pictures are. No one's to blame for it. It
Speaker 1: just happened. But what is your issue right now? We
Speaker 1: can help you with I need to ask you that,
Speaker 1: and we want to try to help you. Right after this,
Speaker 1: go with a sure thing Denver's Best roofer Excel roofing
Speaker 1: dot com. You don't pay a cent until you're content.
Speaker 1: Time for an insurance check free, no obligation. In comparison,
Speaker 1: call compass insurance paying too much your coverage at dozens
Speaker 1: of insurance companies find out now three all three seven
Speaker 1: seven to one help You'll think you're his only customer.
Speaker 1: When you choose Frank durand the real estate Man dot
Speaker 1: com to list your home with Remax Alliance three all
Speaker 1: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 1: your troubleshooter three oh three seven one three talk three
Speaker 1: oh three seven one three eight two five five. Brian
Speaker 1: Burns is with us. Brian, I have a couple questions
Speaker 1: for you, man, Thank you for being here. You're with
Speaker 1: Compass Insurance Group, home of the free insurance checkup always,
Speaker 1: and I mean that an honest to god checkup where
Speaker 1: they're gonna tell you what they think they can do
Speaker 1: for you, do for you on coverage and whether or
Speaker 1: not you need to switch or you have a great deal.
Speaker 1: They really will be honest with you. And that's the
Speaker 1: Insurance Health Center dot com three h three nine ninety
Speaker 1: six nine thousand. I want to ask you a few
Speaker 1: questions here, Brian. Somebody wants to know the Clue Report.
Speaker 1: How does Clue Report get information? Clue Report is like
Speaker 1: a credit service now, excuse me, credit reporting. In other words,
Speaker 1: you know how people go to credit reporting agencies to
Speaker 1: find out your credit. Well, Clue is where people go
Speaker 1: to find out your claim history. Who reports to Cluebrian.
Speaker 12: The insurance companies.
Speaker 1: Okay, so they keep a central database and does that
Speaker 1: sometimes show up people who are continually putting in claims
Speaker 1: and they get a low score.
Speaker 17: Is that kind of thing you're thinking, There's two different
Speaker 17: things that we're referring to here. The CLUE report would
Speaker 17: be the actual losses. So the Comprehensive Loss Underwriting Exchange
Speaker 17: is what that abbreviation is for CLUE, and that's going
Speaker 17: to be So the claims.
Speaker 12: Don't have anything to do with a score.
Speaker 17: It's just a matter of, oh, he's got two claims.
Speaker 17: This insurance company doesn't take two losses in the last
Speaker 17: five years. That only take one loss that kind of thing.
Speaker 17: It's not a score. The score is the insurance score,
Speaker 17: and that is heavily based off of credit. But it's
Speaker 17: all internalized for these different insurance carriers. In other words,
Speaker 17: I don't see a score when I'm rating it. I
Speaker 17: just probably would be able to tell they don't have
Speaker 17: a great insurance score because the price is high for
Speaker 17: no other reason. So I'm thinking, oh, it must be
Speaker 17: a credit based issue.
Speaker 1: So someone wants to know this. They want to know
Speaker 1: if you have price higher claims or lower claims. Does
Speaker 1: that affect the clue report like the amount of the claim.
Speaker 17: No, it doesn't. So you know here and I know
Speaker 17: I'm not trying to be wishy wash you with you.
Speaker 17: The fact of the matter is if there are losses,
Speaker 17: and that's what the clue report's going to show. If
Speaker 17: there is losses on your property, it will show whatever
Speaker 17: there is. So if there is some carriers, even couent,
Speaker 17: if you have a zero pay loss, in other words,
Speaker 17: the fact that you have a loss still is underwritten against.
Speaker 17: If you have two losses, no matter what. With a
Speaker 17: lot of carriers, now you're you're blocked out in the
Speaker 17: last five years. They won't even offer a quote, so
Speaker 17: it doesn't really matter. Now I'm going to hedge that
Speaker 17: by telling you, let's say you're dealing with a carrier
Speaker 17: that isn't quite so black and white. With that, then
Speaker 17: you have underwriters that you.
Speaker 2: Can talk to.
Speaker 17: And if you had a loss that was you know,
Speaker 17: fifteen hundred box and it was easily explained, it was
Speaker 17: you know, let's say, you know whatever, a small leak
Speaker 17: underneath the sink and it was easily cleaned up, no
Speaker 17: major damage, professionally fixed whatever you want to say, whatever
Speaker 17: the details are, that makes a difference versus if they
Speaker 17: had a seven many five thousand bar water loss, because
Speaker 17: the thought would be there.
Speaker 18: Could be continually, you know, continual.
Speaker 17: Problems with mold or something else. So it matters if
Speaker 17: you're dealing with a company that will underwrite and talk
Speaker 17: to you about it. But this is just if there's
Speaker 17: a loss, there's a loss, all right.
Speaker 1: Now, hold on Compass Insurance Group. I have a question
Speaker 1: concerning covering stuff, and hang on for that because I
Speaker 1: really need to come back to that. And Amy, I
Speaker 1: haven't forgotten about your cricket issue. We're going to come
Speaker 1: back to you to find out what do you need
Speaker 1: right now today, Right after this, go with a sure
Speaker 1: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 1: pay a cent until you're content. Time for an insurance
Speaker 1: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 1: too much your coverage at dozens of insurance companies find
Speaker 1: out now three oh three, seven seven to one help.
Speaker 1: You'll think you're his only customer When you choose Frank
Speaker 1: durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three all three nine two zero
Speaker 1: sixteen twenty two. Hi Tom Martino here three O three
Speaker 1: seven one three talks seven one three eight two five
Speaker 1: five Paul, you have an issue with a car purchase.
Speaker 1: What's going on?
Speaker 2: Man hey?
Speaker 12: Brother? So, so about six months ago, I bought a
Speaker 12: twenty fourteen CADILLACUS r X from a dealership it's called
Speaker 12: Hucci's Auto Sales in Inglewood, and unfortunately a bottom line
Speaker 12: it's wait, it's.
Speaker 2: Called hucis what could go wrong? Did you buy Hoochie's?
Speaker 25: Yeah, it was a family who.
Speaker 1: How are you spelling that?
Speaker 3: Man?
Speaker 12: Hhrophees?
Speaker 1: Got it? Okay? And what happened?
Speaker 12: So unfortunately, about a month ago the transmission went out.
Speaker 12: So I have this stupid warranty because you know they
Speaker 12: always I'm nineteen years old at my first car, just
Speaker 12: just got an apartment, got custody of a six sixteen
Speaker 12: year old, and I needed, you know, reliable transfer.
Speaker 1: All right, So so you you bought wait wait, wait,
Speaker 1: you bought it six months ago and the transmission went.
Speaker 12: Out, Yes, and then the engine just went out as well?
Speaker 1: Well, how many miles on it? How many miles on it?
Speaker 12: I got it with eighty seven thousand, and it had
Speaker 12: one hundred and one when the engine went out and
Speaker 12: the trans.
Speaker 1: Okay, but listen, I want to I want to let me,
Speaker 1: let me just rush right to it, Paul. Let me
Speaker 1: give you the sad news. First, they don't owe you anything. Man,
Speaker 1: you buy a used car, anything can happen unless listen
Speaker 1: to the unless, because when I say this, everyone says, oh, yeah,
Speaker 1: I was defrauded. Unless you were defrauded. That means they
Speaker 1: knew of a defect and lied to you about it
Speaker 1: or covered it up.
Speaker 20: Type of thing.
Speaker 12: A warranty, and I do have a warranty. So unfortunately
Speaker 12: they're asking me to pay fourteen hundred dollars out of pocket.
Speaker 12: And I've gone back and forth with the leadership kind
Speaker 12: of about you know, hey, you guys, no way to
Speaker 12: call Paul.
Speaker 1: Paul, you have a warranty. What does that mean? What
Speaker 1: does that mean? Tell me about the warranty.
Speaker 12: So the full coverage warranty, the insurance is called like
Speaker 12: it's something Dino go.
Speaker 1: With a sure thing Denver's Best Roofer, Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content. Time for
Speaker 1: an insurance check up free no obligation. In comparison, call
Speaker 1: Compass Insurance paying too much your coverage at dozens of
Speaker 1: insurance companies find out now three all three seven to
Speaker 1: seven help. You'll think you're his only customer when you
Speaker 1: choose Frank durand the real estate man dot Com to
Speaker 1: list your home with Remax Alliance three all three nine
Speaker 1: two zero sixteen twenty two.
Speaker 3: D News. Need that so you don't have come running
Speaker 3: just as fast as we can.
Speaker 4: Shooter's gonna help come Man.
Speaker 6: Dix is the Troubleshooter Show.
Speaker 1: Now Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 1: Three O three seven one three talk three all three
Speaker 1: seven one three A two five five Always here to
Speaker 1: help you solve problems, answer questions, say complaints, make your
Speaker 1: life a little easier each and every day. I have
Speaker 1: fixed at twenty four to seven in the house by
Speaker 1: way of Hannah and her experts, and we're answering questions
Speaker 1: about the house coming up home services of all plumbing, heating, cooling,
Speaker 1: electric and drains and so really welcome. And then I
Speaker 1: also have callers waiting. We'll get to so Brian Burns
Speaker 1: is on. I want to go to Brian. Then I'll
Speaker 1: go back to the car, Brian. He don't have a
Speaker 1: lot of times, so I'm going to take him. Brian
Speaker 1: Burns the Insurance Helps Center three h three nine ninety
Speaker 1: six nine thousand for free insurance checkups. Brian, So you
Speaker 1: answered a lot of good questions. I have one. I
Speaker 1: have some others that have come in. One is this
Speaker 1: this guy has a man cave, and another one has
Speaker 1: a hanger. I put these together and then I have
Speaker 1: a hanger.
Speaker 12: Yep.
Speaker 1: And man caves are getting pretty common where people are
Speaker 1: restoring cars or just having watching the game with friends.
Speaker 1: It's amazing some of the things and people want to
Speaker 1: know about ensuring their stuff, their tools and their stuff,
Speaker 1: but not ensuring necessarily the structure or all of that
Speaker 1: are there. Coverage is available.
Speaker 17: Yeah, So with those man cads, I've written many, many
Speaker 17: of those. Usually it's similar to what a condo, like
Speaker 17: a second home almost a condo would be where there's
Speaker 17: an HOA or that is actually covering the exterior, but
Speaker 17: then they still might have the responsibility of the inside,
Speaker 17: more specifically to the personal property. So a condo or
Speaker 17: what's an HO six policy can go and cover the
Speaker 17: interior whatever they're responsible for, you can put a dollar
Speaker 17: amount to that and then cover whatever personal property they
Speaker 17: have on the inside.
Speaker 1: Okay, so what about liability.
Speaker 17: Yep, liability would be included in that. So a lot
Speaker 17: of times if we're going to call it a second home,
Speaker 17: where you add the liability is on the primary home,
Speaker 17: and you can just put an additional coverage an endorsement
Speaker 17: on the policy that extends liability to another address. So
Speaker 17: that's pretty easy and very inexpensive. So in other words,
Speaker 17: if you're just like I don't really care about the
Speaker 17: personal property, and that's another thing to keep in mind.
Speaker 17: If you need no coverage at all for the interior dwelling,
Speaker 17: like the actual structure inside, if you don't have to
Speaker 17: cover that, most policies will extend ten percent of the
Speaker 17: personal property to a second home. So automatically, if you had,
Speaker 17: you know, two hundred thousand dollars a personal property coverage,
Speaker 17: you would have twenty thousand that would extend to that
Speaker 17: second home. Then all you would have to do is
Speaker 17: add the liability and you're talking about next to nothing,
Speaker 17: you know, twenty bucks Yaton.
Speaker 1: Well, Brian, but if it's not a second home, if
Speaker 1: it's a man cave, or a hangar or a garage.
Speaker 1: Is that considered like a second home.
Speaker 17: Well, a man cave could be because there's actually usually
Speaker 17: there's a bathroom in there, there's uh, there's a living
Speaker 17: area that you could there if you wanted, So that
Speaker 17: would be an appropriate way to classify it. Hangars are
Speaker 17: a little more difficult because there's an airplane involved with it,
Speaker 17: so those a lot of carriers, standard carriers are not
Speaker 17: going to be interested in insuring the maand case that
Speaker 17: becomes so common that it's it's easier to talk that
Speaker 17: through with an insurance company.
Speaker 1: Okay, So what about if you're restoring a car in
Speaker 1: a man cave or garage or you have an aircraft
Speaker 1: in the hangar, none of that's going to be.
Speaker 17: Covered, right, Yeah, so you would need to get insurance
Speaker 17: for the actual thing you're restoring, and that is very
Speaker 17: for a parados, it's easy, like a company like Haggarty
Speaker 17: has a policy for cars that are being restored.
Speaker 1: Okay, thank you, Brian, I appreciate it. Brian Burns Compass Insurance.
Speaker 1: It's the Insurance Health Center dot com three h three
Speaker 1: nine ninety six nine three or three nine ninety six
Speaker 1: nine thousand for the insurance checkup. Now, Paul, back to you. Hey, Paul, So,
Speaker 1: you bought a twenty fourteen Cadillac SRX and you bought
Speaker 1: an extended warranty. I want to give you the straight
Speaker 1: facts first, then we'll talk about it. When you buy
Speaker 1: a warranty, your subject to the terms and conditions of
Speaker 1: the warranty. That means copays, that means exclusions, that means
Speaker 1: all kinds of stuff. Now there's also fraud that you know,
Speaker 1: if they defrauded you. We want to make sure that
Speaker 1: they didn't. But here's the deal. What you what so far,
Speaker 1: what it sounds like is that you had to use
Speaker 1: car and unfortunately had some costs. So what were you
Speaker 1: hoping we would tell you that they should pay for
Speaker 1: all of it?
Speaker 3: Or what?
Speaker 1: What is the main issue?
Speaker 16: Paul?
Speaker 12: So, I to be honest, I know that there's really
Speaker 12: denominated happen the papers.
Speaker 6: How to fuck.
Speaker 12: It's just it's just how the game goes in the
Speaker 12: car industry. But what I'm worried about is the warranty.
Speaker 12: People had told me to go to Auto Care Plus
Speaker 12: and I talked to them, and so that the owner
Speaker 12: of the place where my.
Speaker 1: Car is getting has gone I don't understand the warranty
Speaker 1: people told you to go where.
Speaker 12: They they They told me that I had to go
Speaker 12: to Auto Care Plus with my warranty.
Speaker 1: What is that? What does that mean?
Speaker 22: What?
Speaker 1: What does that even mean? I don't understand what you're
Speaker 1: talking about.
Speaker 12: So so when I when I openly claim to be
Speaker 12: able to get my car looked at, when I called.
Speaker 6: That they have to he's talking about a third party
Speaker 6: company that manages that warranty. Tom the dealership is saying
Speaker 6: they don't have anything to do with the actual administration
Speaker 6: of the warranty.
Speaker 1: And that's called auto care.
Speaker 15: Yeah, auto Care Plus, Go ahead, go ahea.
Speaker 25: What is it?
Speaker 1: What's the name of it?
Speaker 24: Autocare Plus is an auto repair shop on Hampton Okay?
Speaker 1: Is that where you went?
Speaker 12: Yes, that's that's the auto repair shop where it's at.
Speaker 1: Okay, So now what is your issue with Autocare Plus?
Speaker 12: So when I was when I was talking to them,
Speaker 12: to me, it sounds like the people from Hoochie's, the
Speaker 12: owner from Hucci's and the owner at this mechanic shop,
Speaker 12: they're they're best friends. They've known each other for a
Speaker 12: really long time. They go way back, and all right,
Speaker 12: they prior before buying the vehicles. They never mentioned anything
Speaker 12: about anything being inspected, and so when we when I
Speaker 12: called about all my issues.
Speaker 1: Nothing nothing, bro nothing has to be inspected.
Speaker 12: Okay, Well, kind of what I'm worried about is I
Speaker 12: feel like that mechanic shop was fully aware of the
Speaker 12: things that was wrong with that vehicle, and I really do.
Speaker 1: Well, you'll never Paul. They could be fully aware of it.
Speaker 1: In fact, the dealer could be fully aware that the
Speaker 1: engine is on its way out. Being aware is not
Speaker 1: a crime. Lying about it or covering it up is.
Speaker 1: But if they sold it as is, they don't have
Speaker 1: to tell you what's wrong with it, Paul. I'm not
Speaker 1: saying this to be a smart ass. I'm not trying
Speaker 1: to trick you or hook you. I don't like saying it,
Speaker 1: but it's the truth. I can sell a car knowing
Speaker 1: it's a piece of garbage, and there's no obligation on
Speaker 1: me whatsoever when I sell that as is except in Colorado,
Speaker 1: incept in Colorado, if it doesn't pass the emissions, or
Speaker 1: I don't I have reason to believe it won't, or whatever,
Speaker 1: I can't. You know, the emissions is one thing, and
Speaker 1: there's basic safety things is another. But the thing could
Speaker 1: be all kinds of problems, and I don't have to
Speaker 1: tell you now. I can't lie to you about it
Speaker 1: or deceive you about it. Did you get this car
Speaker 1: fully checked out before you bought it? No?
Speaker 6: Okay?
Speaker 1: So let me let me ask you what did you
Speaker 1: pay for this car?
Speaker 12: The car was lit, I mean it was listed at
Speaker 12: thirteen thousand. With everything put together, it was like nineteen
Speaker 12: and I put down two and it totaled it out
Speaker 12: to seventeen. And I'm all about fourteen ish on it.
Speaker 12: I've been making large amount of payments trying to get
Speaker 12: it paid off.
Speaker 1: But the purchase price, the purchase price was about nineteen.
Speaker 12: Right, It was about thirteen thousand, and then total finance
Speaker 12: was nineteen, correct.
Speaker 1: Yeah, but that doesn't count. The purchase price is what counts.
Speaker 1: Because when we purchase a house and we asked what
Speaker 1: we paid for it, we don't count the mortgage payments.
Speaker 1: We count what we paid for it. So you paid
Speaker 1: about thirteen for it, is that right? Correct? And then
Speaker 1: if you pay every payment, it's going to amount to
Speaker 1: about nineteen.
Speaker 12: Correct, okay?
Speaker 1: And on the thirteen did that include the warranty?
Speaker 9: Yes?
Speaker 1: Okay? How much five thousand four, Paul, No, it's finance charges.
Speaker 1: We already went over that real quick here, Paul. What
Speaker 1: I want to know is this, how much out of
Speaker 1: pocket to get it fixed, including the previous repair? How
Speaker 1: much would you be all in? How much on the repairs?
Speaker 2: Fourteen m.
Speaker 12: At about eighteen hundreds, so.
Speaker 1: It would be thirteen it would be fourteen eight basically, Yes, Okay,
Speaker 1: Well that's not the end of the world. I mean,
Speaker 1: I'm not saying you should be happy about it, but
Speaker 1: I don't think you need to. I don't think you're
Speaker 1: gonna get anywhere arguing. I really don't. They sold your
Speaker 1: car as is. The warranty's covering a good part of it.
Speaker 1: You owe eighteen hundred if you add it to your
Speaker 1: thirteen fourteen eight for a fourteen Caddy with eighty seven thousands. Yeah,
Speaker 1: you probably overpaid a little, but I don't think you
Speaker 1: were slammed. I just think it's terrible. I don't just
Speaker 1: look at no one wants these problems throw But I
Speaker 1: don't really believe that. I don't know, man, I just
Speaker 1: don't think it's a total screw job. Does that make sense?
Speaker 27: Yeah, Well, you know I've noticed through their reviews they had,
Speaker 27: they had, They've had two websites. One is like they've
Speaker 27: tried to kind of diministrate or do what they could
Speaker 27: with it, but it's still up and it has terrible reviews.
Speaker 12: So they had to get another one. And this one
Speaker 12: they have a ton of fake five star reviews.
Speaker 1: And yeah, well you know, that's a whole different story.
Speaker 1: But by the way, that's good to let people know
Speaker 1: that's a whole different ballgame. Give up, give Kachina off
Speaker 1: the air those websites and we'll look into it. Thank you, Paul,
Speaker 1: I'm sorry man three oh three seven one three A
Speaker 1: two five. I've listened Frank around. The real estate Man
Speaker 1: dot com will do a free market valuation of your home.
Speaker 1: That means what it what it will self for in
Speaker 1: this market, based on supplying demand, interest rates, based on inventory,
Speaker 1: based on your comps. It's all a free analysis and
Speaker 1: this man is one of the best real estate people
Speaker 1: you can ever have. Frank durand the real Estate Man
Speaker 1: dot com three oh three nine two zero sixteen twenty two.
Speaker 1: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 1: dot com. You don't pay a cent until you're content
Speaker 1: plea time for an insurance check up free no obligation
Speaker 1: comparison call Compass Insurance paying too much your coverage at
Speaker 1: dozens of insurance companies find out now three oh three
Speaker 1: seven to seven to one help. You'll think you're his
Speaker 1: only customer when you choose Frank durand the real Estateman
Speaker 1: dot com to list your home with Remax Alliance three
Speaker 1: oh three nine two zero sixteen twenty two. Hey Tom
Speaker 1: Martino here three oh three seven one three talk seven
Speaker 1: one three eight two five five. Welcome to the only
Speaker 1: show of us kind anywhere eight eight eight Heating dot
Speaker 1: com high efficiency units at the best price is guaranteed.
Speaker 1: Dan McKenzie McKenzie law, let me just say this. McKenzie
Speaker 1: does wills, trusts, keeps you out of probate, or helps
Speaker 1: you with probate. He's a great guy. Dan McKenzie McKenzie law.
Speaker 1: If you need him for a will, he can do
Speaker 1: it quickly. He can do a long range plan, short
Speaker 1: rangeman whatever you need eight three three CEO plans eight
Speaker 1: three three co plans Now. Adam is with us from
Speaker 1: fixmihome dot com. Fix at twenty four to seven. When
Speaker 1: he's not here, you can reach them at seven two
Speaker 1: zero five two six thirty nine thirty nine. Adam, I
Speaker 1: hope you're ready.
Speaker 20: Man.
Speaker 1: That the here's the here's the here is the longest
Speaker 1: short of it. You're ready now. My water pressure is low.
Speaker 1: I'm on City water. Can I boost it?
Speaker 17: In theory, that's not that speak not a simple question.
Speaker 1: But in theory, no, that's good though, no, no expound
Speaker 1: on it. Man, go ahead.
Speaker 18: So in all honesty, I'm the HVAC service manager. That
Speaker 18: would be a significally better question to ask my plumbing manager.
Speaker 1: But there are Okay, good, Then here's what we'll here's
Speaker 1: what we'll do, man, pass it down the line. We'll
Speaker 1: try to answer before the end of the show, or
Speaker 1: we'll do it tomorrow. That's why we're on.
Speaker 3: Man.
Speaker 1: This is all casual. This is all open and honest,
Speaker 1: and and I love that you told me that. So
Speaker 1: that's how do we alter pressure? And we'll talk about that.
Speaker 1: But right now, I want to go back to back
Speaker 1: to my questions. Okay, I'm confused on how to size
Speaker 1: my furnace. After your discussion, nac are they measured for
Speaker 1: the size of the house. You said, there's a number
Speaker 1: of factors quickly go over them and do people have
Speaker 1: to You can't do that on the phone? Can you
Speaker 1: man no? Over the major factors very quickly? On sizing
Speaker 1: the service?
Speaker 18: How many return vents you have, how many supply vents
Speaker 18: you have? How big your trunk line is, how many
Speaker 18: if you have louvers turning veins, if your trunk line
Speaker 18: goes in two directions or a single direction.
Speaker 23: If you have.
Speaker 18: Multiple floors where the furnace is located its longest run length,
Speaker 18: then you have your return side, which has the same
Speaker 18: exact variables. How big is your return drop relative to
Speaker 18: the side of the return trunk line? Does your return
Speaker 18: trunk line go multiple directions? Do you have return vents
Speaker 18: on the lower part of the wall and the higher
Speaker 18: portion of the wall, meaning you get both your hotter
Speaker 18: air that's risen and the cool air that's down at
Speaker 18: the ground level. Where are those return vents located in
Speaker 18: relation to the distance of the system. What's the temperature
Speaker 18: of the air going into the unit? What's the temperature
Speaker 18: of the air coming out of the unit during heating
Speaker 18: and cooling?
Speaker 1: There's wait a minute, Adam, Wait a minute, Wait a minute, Adam,
Speaker 1: are you really that smart. I mean, do you guys
Speaker 1: truly do no, I'm serious, Do you do a complete calculation?
Speaker 1: Even if they already have a system and you're just
Speaker 1: going to replace it, you really should, okay, because the
Speaker 1: original system may not be correct?
Speaker 16: Right? Correct?
Speaker 2: All right?
Speaker 1: Somebody else wants to know. Can I zone an existing system?
Speaker 1: Should you?
Speaker 18: And could you are two different questions.
Speaker 16: Could you?
Speaker 18: Yes?
Speaker 1: Keep going?
Speaker 12: Probably not?
Speaker 3: Why?
Speaker 18: Well, at this altitude, it's just causes a lot of
Speaker 18: airflow problems. Traditionally, if you oh zone a system and
Speaker 18: you cut it in half, well, you still have a
Speaker 18: pump that's pumping you know, like we're using earlier hundred
Speaker 18: gallons of water per minute, but you've only got a
Speaker 18: hose that can handle one hundred gallons, right, Well, then
Speaker 18: you cut that in half. Your pump is still pumping
Speaker 18: one hundred gallons of water, but you cut hose half
Speaker 18: of the hose off. Now you can only pump fifty.
Speaker 18: Now you're causing a back pressure issue with the furnace
Speaker 18: and can cause it to burn out.
Speaker 1: Wow, do you know what? You guys did a furnace
Speaker 1: for me for that very reason. It was not that old.
Speaker 1: And one of your guys said, look, Tom. I know
Speaker 1: it's only twelve or fifteen years old, but you have
Speaker 1: a zone system and it cuts down the life. That's
Speaker 1: what they told me. It's a totally it's a Honeywell
Speaker 1: zone system with pneumatic opening and closings. So anyway, that's
Speaker 1: just a side thought. So that you guys asked me,
Speaker 1: do I want to keep the zoning? And I said yes,
Speaker 1: it's really comfortable and I like it. And they said, okay,
Speaker 1: you're going to sacrifice a little. But they did say
Speaker 1: on the new system they put in, it can handle
Speaker 1: it a little better because it's some kind of multi stage.
Speaker 14: I assume what you got in is either.
Speaker 18: A variable speed communicating or a variable speed modulating where
Speaker 18: it has an automatic rambrange and it's able to adjust accordingly.
Speaker 1: Good, excellent. Now I moved into a home and in
Speaker 1: the furnace room there's an open pipe that goes near
Speaker 1: the bottom of the furnace and then it goes to
Speaker 1: the outside. It seems like a waste of energy.
Speaker 2: Do I need it?
Speaker 22: Yes?
Speaker 1: That's fresh air, isn't it. It's your fresh air.
Speaker 18: It's your combustion, are right, that's correct?
Speaker 1: So is that why you want that furnace room cut off, right,
Speaker 1: you want it shut off from the house.
Speaker 18: Right, doesn't necessarily have to be I'm sure for it's
Speaker 18: more for us, but that.
Speaker 1: Doesn't that doesn't waste a lot of energy having that
Speaker 1: open pipe.
Speaker 18: No, if you look at it from the perspective of combustion, right,
Speaker 18: you need oxygen for flame. So if you're just sacrificing
Speaker 18: and taking the oxygen in your home, well, that can
Speaker 18: create some pretty serious problems, woun't you think. So that's
Speaker 18: why we have the fresh air to come in to
Speaker 18: the furnace room, so it supplies it with fresh like
Speaker 18: oxygen for combustion purposes, so that we can have a nice, bright,
Speaker 18: healthy flame.
Speaker 1: Okay, Adam, this goes right along with that. I sifted
Speaker 1: through this for this reason. I'm finishing my basement and
Speaker 1: we're going to enclose the furnace. Now, how big or
Speaker 1: how small can I make that room around the furnace?
Speaker 18: So to be hones, you would have to consult with
Speaker 18: one of the city inspectors. I'm not sure what your
Speaker 18: municipal code is, but I'm sure there's some form of
Speaker 18: regulation revolving around that you'd want to cite that.
Speaker 12: Or if you would like.
Speaker 1: Obviously, obviously being big isn't the problem. It's being too
Speaker 1: small that's going to be the problem. Choking it right?
Speaker 12: Correct?
Speaker 1: And safety? Don't they want a certain amount of space
Speaker 1: around it?
Speaker 18: Correct? I'd love to say, are.
Speaker 1: You saying different cities have do different cities have Do
Speaker 1: different cities have different uh specifications on that? Or are
Speaker 1: they about the same?
Speaker 18: Yeah, they're everyone's a little bit different.
Speaker 1: Okay, all right, now we got more coming up. I'm
Speaker 1: Tom Martine.
Speaker 2: What's that.
Speaker 3: If?
Speaker 18: Is eighteen inches on all sides plus I think twenty
Speaker 18: inches in front.
Speaker 1: Okay, we got one more coming up. You can call
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Speaker 2: Help.
Speaker 1: You'll think you're his only customer when you choose Frank
Speaker 1: durand the real estate Man dot com to list your
Speaker 1: home with Remax Alliance three oh three nine two zero
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Speaker 1: two five five five four. Okay, now we have Adam
Speaker 1: with fixmihome dot com fix at twenty four to seven. Okay,
Speaker 1: here's some more I'm thinking about replacing my HVAC. There
Speaker 1: are so many choices. There's high efficiency units, and but
Speaker 1: there are within the high efficiency there's two stage, variable speed,
Speaker 1: constant speed, single stage. What the hell are they about?
Speaker 1: He didn't say that, that's I added that, But uh,
Speaker 1: what is what is the two stage? What is the
Speaker 1: variable speed? Just go over the basic choices quickly here, all.
Speaker 18: Right, So you've got you've got one single speed, right,
Speaker 18: which is me that has one one button on go
Speaker 18: means you get one temperature, one to let, one electrical draw.
Speaker 3: That's it.
Speaker 18: Then you have multi speed, right assuming when you're going
Speaker 18: into air conditioning systems, I'm assuming we're talking about the
Speaker 18: condensing unit, which means that you can get two different
Speaker 18: stages of cool ink or more. There are various kinds.
Speaker 18: But then which the higher you go, the more electricity
Speaker 18: you're going to use, but the more cold are that
Speaker 18: you're going to get. And then you have like modulating
Speaker 18: and communicating, which is along the same lines, but they're
Speaker 18: just a little bit more intelligent in the sense that
Speaker 18: they have the ability to all kind of communicate with
Speaker 18: each other and work under certain parameters that have to
Speaker 18: be set up when installed.
Speaker 1: Okay, So is variable speed always better than single stage?
Speaker 3: Right?
Speaker 18: Not necessarily, but more often than not.
Speaker 1: Yes, not necessarily, meaning if your house isn't you know,
Speaker 1: I mean you could do overkill in other words, correct? Okay.
Speaker 1: Now I have a high recovery water heater. Again, this
Speaker 1: might be for plumbing. We'll get you back. And it's
Speaker 1: set on very hot in the summer. I almost never
Speaker 1: run out of hot water, and it comes out very
Speaker 1: hot in the winter, the water doesn't get us hot
Speaker 1: and runs out quicker? Why would this matter if the
Speaker 1: water tank is in a heated basement?
Speaker 18: So again, that's a really good question that I would
Speaker 18: love to defer to plumbing department.
Speaker 1: Hanna, Are you going to take that.
Speaker 18: To give you enough?
Speaker 1: Okay? How difficult is it to move heating registers?
Speaker 18: It depends on the way your home is designed.
Speaker 1: So if you I imagine, if you have an open basement,
Speaker 1: it would be way easier, right, correct? Okay. I stayed
Speaker 1: at a friend's house during a recent vacation.
Speaker 3: They have.
Speaker 1: All in floor radiant heating. I love it. Are they
Speaker 1: difficult to install?
Speaker 2: You guys?
Speaker 15: Do it?
Speaker 1: They don't ask if you guys do it. I'm asking
Speaker 1: if you guys do it? Are they difficult? Do you
Speaker 1: guys do it?
Speaker 18: By the way, that's actually something we're in the process
Speaker 18: of rolling out.
Speaker 1: Yes, okay, man, their beauty. It's a beautiful system. But
Speaker 1: they are they save energy too because they don't.
Speaker 18: Have to heat the whole room, correct, Yeah, instead of
Speaker 18: the next question. It heats the space much more efficient.
Speaker 2: Yeah.
Speaker 1: Yeah. And when you stand on the floor, you come
Speaker 1: out of a shower, you feel great. I have in
Speaker 1: I have some in floor heat. Somebody wants to know
Speaker 1: what's the best way to heat a garage.
Speaker 18: Oh, that's kind of a trick question.
Speaker 1: Okay, this is a tough one.
Speaker 18: Yeah, there's there's there's too many variables that go into play,
Speaker 18: too many factors.
Speaker 1: Well let's look okay, hold on, then let's talk about
Speaker 1: not the best, but the different ways. You have the
Speaker 1: hanging heater that everyone sees in the corner, right, m
Speaker 1: I mean I like those, they're pretty good. What about
Speaker 1: this tube you see in some of them there's a
Speaker 1: tube that almost glows ye that.
Speaker 18: I'll be honest, I'm actually not the genius who designed them.
Speaker 18: And understand how they function, but I will tell you
Speaker 18: they are. They're my preferred method when it comes to
Speaker 18: heating spaces that aren't lived in spaces.
Speaker 1: Okay, because it takes too long space the air, right,
Speaker 1: because if you use a hanging heater or a space heater,
Speaker 1: it's got to go on and on and on to
Speaker 1: get over the air. Right. But if you use a
Speaker 1: radiant heater and you're standing under it, you're you're warm.
Speaker 2: Yeah.
Speaker 22: Correct.
Speaker 18: It heats the space, the it heats the the material
Speaker 18: Instead of just blowing hot air around to heat everything up,
Speaker 18: it actually heats the materials and the floor and the
Speaker 18: stairs itself.
Speaker 2: See you next time.
Speaker 1: Okay, here's a basic one. I think I know the answer.
Speaker 1: How often should I replace my furnace filters?
Speaker 18: Depends on the type of filter, but traditionally once a
Speaker 18: month unless they're using some form of electronic air cleaner
Speaker 18: and air purifire.
Speaker 1: Do you like the electronic stuff? This sadic stuff.
Speaker 12: That's what I use in my own.
Speaker 1: Okay, But if you don't have that, you want the
Speaker 1: wispiest filter there is. You don't want a thick filter
Speaker 1: that's going to choke it. Right.
Speaker 18: Traditionally, yes, depends on if the system's oversized, undersized, or
Speaker 18: perfectly sized.
Speaker 1: Okay, but you want something though that.
Speaker 18: Breathes easy, right traditionally, Yes, sir.
Speaker 1: Okay, we got more coming up. Three all three seven
Speaker 1: to one three talk. We have a comment on hot water.
Speaker 1: Go ahead, jail, let you make that comment.
Speaker 19: Go ahead, Hey, Tom, Yeah, when you're heay not getting
Speaker 19: quite as good as hot water in the winter. What
Speaker 19: you've got to realize is in the summer, if you
Speaker 19: run your cold water, it never really feels that cold.
Speaker 19: In the winter, you're yeah, a little bit. It feels
Speaker 19: like it's coming out of the refrigerator.
Speaker 2: I mean it's super cool, right.
Speaker 19: So as you're filling your water tank, it takes a
Speaker 19: lot more energy and time to bring it up to
Speaker 19: temperature than it does in the summer.
Speaker 1: That's because of the outside coming into the house, right, Yep.
Speaker 19: Doesn't matter where it's located, it's just that water so
Speaker 19: darn cold in the winter.
Speaker 1: Okay, that makes sense. I appreciate that. We got more
Speaker 1: coming up. I'm Tom Martinez. Three oh three seven one
Speaker 1: three talk seven one three eight two five five. Don't
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Speaker 1: oh three nine two zero sixteen twenty two where you're
Speaker 1: just Hi, Tom Martine here, all right, welcome three oh
Speaker 1: three seven to one three talks seven o one three
Speaker 1: eight two five to five. Remember this we have in
Speaker 1: the house with us fix it twenty four to seven
Speaker 1: and they have a special. Go ahead, Hannah, what's the special?
Speaker 16: All right?
Speaker 8: First off, thanks to Adam Sap for taking all those
Speaker 8: questions today.
Speaker 1: Oh, it was great questions from your people.
Speaker 26: Tom.
Speaker 10: Yeah, okay, So let's get to the special, our maten
Speaker 10: and special where we come in and do that deep
Speaker 10: clean to make sure your system is ready. Tom, We've
Speaker 10: seen so many breakdowns during the cold snaps that could
Speaker 10: have been avoided.
Speaker 8: So what we're doing is that deep clean, the extreme.
Speaker 1: Clean you call it. I call it the extreme clean
Speaker 1: for your people. The first ten it's going to be
Speaker 1: nineteen dollars.
Speaker 3: You know that.
Speaker 1: Can I just say something, Yes, you can't. That's extremely low,
Speaker 1: because even thirty nine is ridiculous. H it really is,
Speaker 1: because you guys go in for more than an hour,
Speaker 1: sometimes two hours, two and a half hours, and truly,
Speaker 1: when you see this, you're going to be shocked. So
Speaker 1: many people w called this show and said what I
Speaker 1: mean they went, they said, I can't believe the time
Speaker 1: they spent. And they give you a no break Dad,
Speaker 1: and guarantee. They practically refurbished the damn thing, take it
Speaker 1: apart to the they can sometimes they carry the parts outside,
Speaker 1: degrease in them and clean them. And then that is.
Speaker 10: Nineteen ninety five, nineteen dollars flat nineteen.
Speaker 1: Flat for the first ten right now? Seven two zero
Speaker 1: five two six thirty nine, thirty nine nineteen bucks for
Speaker 1: the first ten then thirty nine bucks. Thirty nine and
Speaker 1: thirty nine is cheap too, honest to good?
Speaker 4: Yes, it's normally on hundred and ninety nine.
Speaker 1: Yeah, well and even that, I mean god, okay, So anyway,
Speaker 1: thirty nine bucks, and it has to be people who
Speaker 1: have not had it before. Don't take advantage.
Speaker 18: Now.
Speaker 1: That doesn't mean you have to be a new customer,
Speaker 1: just you've never had this done before. Because their whole
Speaker 1: idea of doing this is to show you what they
Speaker 1: can do. That's their whole idea is to show you
Speaker 1: what they can do, so you'll be sure to call them,
Speaker 1: all right, I want to sneak in right here another comment.
Speaker 1: I've been talking to a ton of people and I'm
Speaker 1: so happy. Oh let me give that a three zero three.
Speaker 1: By the way, seven two zero five two six thirty
Speaker 1: nine thirty nine fixmihome dot com. I've been talking to
Speaker 1: a ton of people, and I thank you so much
Speaker 1: for your trust. We're takking on so many clients at
Speaker 1: Wave Eightwealthmanagement dot com my company, Yes, I own it.
Speaker 1: And I started it for myself, that's the truth. And
Speaker 1: then I realized so many people need true financial advisement,
Speaker 1: not people that are going to sell you stuff, not
Speaker 1: people that have a one trick pony. No, this is
Speaker 1: a place that will give you free advisement and upfront
Speaker 1: and then see if you like us, if you want
Speaker 1: a review, or if you want to talk to me.
Speaker 1: Three oh three seven seven one help seven seven one
Speaker 1: four three five seven Wave eight the number eight wave
Speaker 1: Eightcapital dot com. I'm Tom Martine. I say this every
Speaker 1: day and I mean it. Save all your problems for me,