WEBVTT 1 00:00:05.160 --> 00:00:07.679 Rip Dum news. 2 00:00:08.679 --> 00:00:09.599 Didn't need advice. 3 00:00:09.679 --> 00:00:14.400 Who you don't have to come running just as fast 4 00:00:14.439 --> 00:00:15.119 as we can. 5 00:00:16.399 --> 00:00:22.039 Shooter's gonna help me come Man Dix is the Troubleshooter Show. 6 00:00:22.679 --> 00:00:24.079 No Tom Martino. 7 00:00:25.399 --> 00:00:30.960 I'm Tom Martino, first and foremost happy to be alive. 8 00:00:31.440 --> 00:00:33.359 And thank you for being here. 9 00:00:33.759 --> 00:00:35.679 You know, I have the privilege of coming on the 10 00:00:35.719 --> 00:00:38.119 air every day as I've been doing for more than 11 00:00:38.159 --> 00:00:42.359 fifty years in Denver, forty five years on radio and 12 00:00:42.399 --> 00:00:46.240 TV and now primarily radio on my Troubleshooter Show, the 13 00:00:46.280 --> 00:00:49.960 longest running radio show still on the air with the 14 00:00:50.000 --> 00:00:50.560 same host. 15 00:00:50.960 --> 00:00:52.280 It is the record breaker. 16 00:00:52.799 --> 00:00:56.359 So if you have a problem, question or complaint, you 17 00:00:56.399 --> 00:00:58.399 can call us or just want to get something off 18 00:00:58.439 --> 00:01:01.759 your chest. The other day we were talking about data mining. 19 00:01:02.679 --> 00:01:05.439 In data mining, finding out as much as you can 20 00:01:05.959 --> 00:01:10.760 about a topic and pursuing it. A data mining where 21 00:01:10.799 --> 00:01:13.760 did you get my name? How did you get my name? 22 00:01:14.640 --> 00:01:19.519 What prompted you to call me? Businesses live and die 23 00:01:20.040 --> 00:01:23.079 by data mining. You want to know how did this 24 00:01:23.159 --> 00:01:25.640 customer come to me? And how can I keep more 25 00:01:25.680 --> 00:01:29.200 customers coming to me? And what did I do right 26 00:01:29.319 --> 00:01:31.920 or what did I do wrong? And then it occurred 27 00:01:31.920 --> 00:01:34.599 to me. Of all the data mining in the world, 28 00:01:34.680 --> 00:01:37.400 I talk to more consumers than any business. 29 00:01:37.799 --> 00:01:40.000 I'm not saying I have more customers than. 30 00:01:39.879 --> 00:01:43.680 Any business, but if you think about the consistency of 31 00:01:44.120 --> 00:01:48.959 you guys calling in for the last fifty years Monday 32 00:01:49.000 --> 00:01:52.480 through Friday in some way, shape or form. I've had 33 00:01:52.519 --> 00:01:56.120 a show where I've taken calls and I've cataloged them, 34 00:01:56.480 --> 00:01:57.040 so i have. 35 00:01:57.000 --> 00:01:57.760 A great. 36 00:01:59.120 --> 00:02:01.719 Mind to to go find things. 37 00:02:02.239 --> 00:02:05.359 And also, each and every day we hear from people, 38 00:02:05.879 --> 00:02:09.479 and I think you've seen how trends change. What used 39 00:02:09.479 --> 00:02:14.199 to turn on consumers years ago may not rattle their 40 00:02:14.280 --> 00:02:19.039 chain anymore. And businesses are all trying to do one thing, 41 00:02:19.960 --> 00:02:26.520 rise above the static. They're trying to stand out. That's 42 00:02:26.560 --> 00:02:29.800 why they do keyword searches in Google, or that's why 43 00:02:29.840 --> 00:02:32.159 they do crazy you know clickbait. 44 00:02:32.240 --> 00:02:34.479 Have you seen the clickbait where. 45 00:02:34.159 --> 00:02:37.360 You know, put paper look at put pennies in a 46 00:02:37.360 --> 00:02:40.879 paper bag and hang over your doorway. Here's why I 47 00:02:40.960 --> 00:02:43.120 never did find out why, by the way, because you 48 00:02:43.240 --> 00:02:45.520 click on that and it's not about the pennies in 49 00:02:45.599 --> 00:02:48.719 the bag. It's about sixteen other hacks, and you've got 50 00:02:48.719 --> 00:02:52.039 to go through each page. Now, the whole idea this 51 00:02:52.159 --> 00:02:55.599 clickbait is to keep you engaged, so you see as 52 00:02:55.680 --> 00:02:59.719 many ads as possible. It's never to sell just one product. 53 00:03:00.639 --> 00:03:02.840 Have you ever noticed this other trend? And I'm wondering 54 00:03:02.879 --> 00:03:07.199 if you had where you see a product on Instagram 55 00:03:07.439 --> 00:03:10.719 or on YouTube or anywhere you see a product and 56 00:03:10.759 --> 00:03:13.120 you're interested in it. I mean, you click to learn more, 57 00:03:13.639 --> 00:03:16.919 but they're just so that they trying to convince you 58 00:03:17.000 --> 00:03:19.439 so much to buy it, they never get around to 59 00:03:19.520 --> 00:03:22.360 selling it to you. You can't even fast forward. It 60 00:03:22.400 --> 00:03:26.240 makes you watch the whole damn thing. And sometimes I think, 61 00:03:26.560 --> 00:03:28.639 my god, I'm not wasting my time here doing this. 62 00:03:28.719 --> 00:03:30.639 I just want to buy it or I just want 63 00:03:30.680 --> 00:03:34.199 to try it. Anyway, my question to you today is 64 00:03:34.680 --> 00:03:36.120 how do you make buying decisions? 65 00:03:36.479 --> 00:03:37.479 Really? How do you? 66 00:03:38.000 --> 00:03:41.159 I believe we're all the same at our core and 67 00:03:41.199 --> 00:03:44.639 that we are not crazy, and I think here on 68 00:03:44.680 --> 00:03:47.759 the Troubleshooter Show, we tend to get the people who 69 00:03:47.840 --> 00:03:49.319 don't follow the norm. 70 00:03:49.599 --> 00:03:51.039 The norm is to research. 71 00:03:51.759 --> 00:03:56.120 The norm is to be proactive in finding businesses or 72 00:03:56.159 --> 00:03:59.919 products and then to close on that business or product 73 00:04:00.319 --> 00:04:03.759 and to get information you need to enjoy that product. 74 00:04:04.199 --> 00:04:04.960 Or that service. 75 00:04:05.360 --> 00:04:08.439 And I think a lot of us, we think the 76 00:04:08.479 --> 00:04:11.120 world goes crazy because we hear a few people who've 77 00:04:11.120 --> 00:04:14.199 done things wrong. Let's go to the phones, though, and 78 00:04:15.360 --> 00:04:18.399 my main goal today, I'd like to know how you 79 00:04:18.480 --> 00:04:20.120 formulate your buying decisions. 80 00:04:20.439 --> 00:04:23.000 Honest to god, I want to data mind you. 81 00:04:23.319 --> 00:04:27.600 I have the greatest field to mine every single day, 82 00:04:27.879 --> 00:04:31.079 and we can help small business find out what they're 83 00:04:31.079 --> 00:04:35.040 doing right or what they're doing wrong. For example, I'd 84 00:04:35.079 --> 00:04:37.120 love to know. And you can comment on YouTube. My 85 00:04:37.160 --> 00:04:41.399 morons love commenting. Or you can text me at five 86 00:04:41.519 --> 00:04:46.439 seven seven three nine. That's the short code and that's 87 00:04:46.480 --> 00:04:48.600 the short code. You just put that in and send 88 00:04:48.680 --> 00:04:51.360 and hit send. The text will come to me. Put 89 00:04:51.399 --> 00:04:54.560 Tom in there somewhere. That's the iHeart number five seven 90 00:04:54.639 --> 00:04:57.720 seven three nine, and then you can do my personal 91 00:04:57.839 --> 00:05:03.759 texting number, which is seven four mes evan eighty seven 92 00:05:03.800 --> 00:05:06.319 four seven nine nine nine fifty two eighty. I like 93 00:05:06.399 --> 00:05:09.519 to know what formulates your buying decisions, honest to goodness. 94 00:05:09.800 --> 00:05:12.160 You know what's great about this topic. There's no right 95 00:05:12.240 --> 00:05:14.839 or wrong answer. Whatever you do is the right answer 96 00:05:14.879 --> 00:05:17.040 because that's what you do. And I think we can 97 00:05:17.160 --> 00:05:23.319 educate people now Charles had an issue with an HVAC 98 00:05:24.240 --> 00:05:27.920 and I think the main issue, if I remember rightly, 99 00:05:28.160 --> 00:05:31.639 was at the price he paid. Well, actually he no, 100 00:05:31.800 --> 00:05:37.040 This was the one where he called Home Depot and 101 00:05:37.079 --> 00:05:42.519 he thought he was calling a crisis intervention program to 102 00:05:42.600 --> 00:05:45.920 get him a furnace at a special deal. Bo are 103 00:05:45.920 --> 00:05:47.920 you there? Can you fill me in on this one? 104 00:05:49.879 --> 00:05:53.480 And I know we have I know we have Charles 105 00:05:53.480 --> 00:05:56.600 on the line. Charles, you said you called a number 106 00:05:57.519 --> 00:05:59.839 and you thought you were getting some kind of special 107 00:05:59.839 --> 00:06:01.000 helpline right. 108 00:06:01.439 --> 00:06:05.879 Right, It was the interventioned crisis helpline and they did 109 00:06:05.879 --> 00:06:09.120 not help me what bit? But I would like to. 110 00:06:09.120 --> 00:06:11.079 Well, I think it was a scam. 111 00:06:11.439 --> 00:06:14.560 I don't know what this crisis intervention hotline is. It 112 00:06:14.639 --> 00:06:17.040 sounds like a tricky way to make sales. 113 00:06:17.759 --> 00:06:20.839 Yeah, that's what it is. You got you hit the 114 00:06:20.879 --> 00:06:23.839 del right of the head because they wanted to be 115 00:06:23.959 --> 00:06:26.959 just said all this and all that did, and. 116 00:06:27.399 --> 00:06:33.360 His Home Depot the only company they referred you to. Yes, okay, 117 00:06:33.720 --> 00:06:36.199 I think it's some kind of sneaky marketing arm of 118 00:06:36.240 --> 00:06:36.879 Home Depot. 119 00:06:37.160 --> 00:06:37.920 What happened then? 120 00:06:38.879 --> 00:06:43.319 Okay, to cut out all the chase, I would like 121 00:06:43.399 --> 00:06:48.920 to give kudos to your what are your experts? By 122 00:06:48.959 --> 00:06:52.839 the day of Bo, Bob did up and beyond, went 123 00:06:53.040 --> 00:06:56.199 up and beyond the call of duty. He came out 124 00:06:56.639 --> 00:07:00.560 and he looked at the furnace that he did hear it, 125 00:07:00.639 --> 00:07:04.240 turned on the pilot light, and he did some other 126 00:07:04.399 --> 00:07:09.600 things to the to the uh furdust at the furdust 127 00:07:09.800 --> 00:07:11.079 works excellent. 128 00:07:11.920 --> 00:07:13.600 Now, okay, do we have bow? 129 00:07:13.759 --> 00:07:16.519 Hold on one second, do we have bow anywhere to 130 00:07:16.560 --> 00:07:16.879 be seen? 131 00:07:17.000 --> 00:07:19.199 Kachina? Is he in the studio or is he on 132 00:07:19.240 --> 00:07:20.120 the line or anywhere? 133 00:07:20.120 --> 00:07:25.120 Because not yet he's done in studio. I will try 134 00:07:25.120 --> 00:07:26.160 to get him on the line. 135 00:07:26.639 --> 00:07:28.360 All right, Why do I want you to hold on 136 00:07:28.399 --> 00:07:31.040 a second? And I don't want you to leave, Charles, 137 00:07:31.160 --> 00:07:34.000 because I want to know what the issue was. And 138 00:07:34.000 --> 00:07:37.879 and Charles, did this problem happen all of a sudden 139 00:07:37.879 --> 00:07:39.800 where you woke up and did not have heat? 140 00:07:40.199 --> 00:07:41.639 Did it happen all of a sudden? 141 00:07:42.319 --> 00:07:47.560 Well, this has been an ongoing issue that the bad 142 00:07:47.879 --> 00:07:50.199 that the pilot light did. 143 00:07:50.040 --> 00:07:54.199 Not they would not throw out no heat. 144 00:07:54.439 --> 00:07:57.759 It would it be cold always. 145 00:07:57.319 --> 00:07:58.240 In this house. 146 00:08:00.319 --> 00:08:04.680 Okay, okay, you hold on and we'll figure out what 147 00:08:04.720 --> 00:08:07.800 Bo did. What he found and he's a godsend here 148 00:08:07.839 --> 00:08:10.600 when it comes to HVAC and mechanical problems around the house. 149 00:08:10.839 --> 00:08:14.560 So hang in there, Charles. I'm marketing this pending because. 150 00:08:15.920 --> 00:08:19.720 And this brings up another thing what I called deceitful marketing. 151 00:08:20.680 --> 00:08:24.519 I don't like deception in marketing where you think you're calling, 152 00:08:24.759 --> 00:08:27.680 like like I had someone call the other day. They 153 00:08:27.720 --> 00:08:29.439 called my home the other day and I happen to 154 00:08:29.480 --> 00:08:33.639 answer it and it said, hello, this is so and 155 00:08:33.720 --> 00:08:36.639 so we're scheduling inspections of the roofs in the area 156 00:08:37.120 --> 00:08:40.360 to make sure blah blah blah. And I said, excuse me, 157 00:08:40.759 --> 00:08:43.919 who are you with He tried to make it sound like, well, 158 00:08:43.919 --> 00:08:46.080 we're doing this and we have to make a time, 159 00:08:46.360 --> 00:08:48.840 not I'm a roofing company trying to get your business. 160 00:08:49.159 --> 00:08:52.799 And I said, excuse me, who are you with? Inspection service? 161 00:08:53.279 --> 00:08:55.159 Is that a county? And I knew it was, And 162 00:08:55.200 --> 00:08:57.600 I said, is that with the county? He goes, oh, yes, 163 00:08:57.679 --> 00:08:59.960 we are in this. What he said, Yes, we are 164 00:09:00.039 --> 00:09:03.080 in a Rapo county doing these inspections to make sure 165 00:09:03.159 --> 00:09:05.679 blah blah blah are up to code and this. And 166 00:09:05.720 --> 00:09:08.279 I said, well, but he didn't answer me, are you 167 00:09:08.360 --> 00:09:10.639 with the county. No, Sarah, I said, who are you with? 168 00:09:11.159 --> 00:09:14.320 Who is actually paying your bill? I finally figured out 169 00:09:14.399 --> 00:09:17.200 it was a roofing company. But I don't like deception, 170 00:09:18.000 --> 00:09:21.480 and a lot of these places they deceive you into 171 00:09:21.559 --> 00:09:26.240 thinking there's someone special or there with the government, or 172 00:09:26.279 --> 00:09:30.399 that this is routine just let us do it for you, 173 00:09:30.879 --> 00:09:34.600 and it's deception or like this what Charles called on. 174 00:09:34.960 --> 00:09:39.759 Charles called on a crisis intervention program for no Heat, 175 00:09:40.080 --> 00:09:44.360 but they were actually just working for home Depot's marketing. 176 00:09:43.960 --> 00:09:46.039 Are and I find it deceiving. 177 00:09:46.120 --> 00:09:48.120 I don't know how you people feel about it, but 178 00:09:48.200 --> 00:09:53.440 I find it very deceiving. Anyway, we will talk to 179 00:09:53.600 --> 00:09:56.159 him coming up, and I'm going to also take some 180 00:09:56.240 --> 00:09:58.519 other calls, So hang on please, I'm going to take 181 00:09:58.559 --> 00:10:01.320 a quick break and mo. My goal today is to 182 00:10:01.480 --> 00:10:04.039 race through calls and to get you solved. 183 00:10:04.320 --> 00:10:06.200 Three O three seven one three eight. 184 00:10:06.120 --> 00:10:08.960 Two five five fixed at twenty four to seven for 185 00:10:09.080 --> 00:10:12.000 your some pump service forty nine bucks. Get it before 186 00:10:12.039 --> 00:10:14.799 the spring rains. Well, they'll come, they'll pull the pump, 187 00:10:14.799 --> 00:10:17.519 adjust to clean it and tune it and it's only 188 00:10:17.600 --> 00:10:20.759 forty nine bucks. Fix my home dot Com book now 189 00:10:26.120 --> 00:10:29.399 go with a sure thing Denver's Best Roofer Excel Roofing 190 00:10:29.519 --> 00:10:32.120 dot com. You don't pay a cent until you're content, 191 00:10:33.720 --> 00:10:38.000 wait time for an insurance check up free, no obligation. 192 00:10:38.000 --> 00:10:41.840 In comparison, call Compass Insurance paying too much your coverage 193 00:10:41.879 --> 00:10:44.559 at dozens of insurance companies find out now three oh 194 00:10:44.600 --> 00:10:46.960 three seven to seven to one help. You'll think you're 195 00:10:46.960 --> 00:10:49.480 his only customer when you choose Frank durand the real 196 00:10:49.600 --> 00:10:52.600 estate Man dot com to list your home with Remax 197 00:10:52.639 --> 00:10:57.320 Alliance three oh three nine two zero sixteen twenty two. 198 00:10:58.480 --> 00:11:02.559 Hi Tom Martino here, fix it twenty four to seven. 199 00:11:02.840 --> 00:11:05.320 In addition to that, somepump for forty nine bucks. You 200 00:11:05.320 --> 00:11:08.600 can have your furnace your AC tuned up for thirty 201 00:11:08.679 --> 00:11:11.559 nine bucks before the heat. Fix my Home dot com 202 00:11:11.679 --> 00:11:14.279 book now, so they have the this is the home 203 00:11:14.320 --> 00:11:15.159 of the specials. 204 00:11:15.519 --> 00:11:17.600 Fix it twenty four to seven. Fix my Home dot 205 00:11:17.639 --> 00:11:21.279 com book now. Okay, I want to talk. 206 00:11:21.399 --> 00:11:23.440 I want to bring up a call first before I 207 00:11:23.480 --> 00:11:26.799 go anywhere else that that I want to consult. Brian 208 00:11:26.799 --> 00:11:29.200 Burns on Brian Burns who was a Compass insurance group 209 00:11:29.519 --> 00:11:31.399 Our Insurance Experts Fit two. 210 00:11:32.279 --> 00:11:34.759 She had some handgag shipped in. 211 00:11:36.799 --> 00:11:40.120 So she used a shipping company one hundred and fifty 212 00:11:40.159 --> 00:11:43.759 bags in ten boxes. Three of the ten boxes didn't 213 00:11:43.759 --> 00:11:45.000 make it to the destination. 214 00:11:45.639 --> 00:11:48.360 Now fit two. Who did you use to ship these? 215 00:11:50.559 --> 00:11:51.519 It's called. 216 00:11:54.639 --> 00:11:57.559 It's an individual, but it goes by. 217 00:12:00.159 --> 00:12:00.480 Jeppe. 218 00:12:00.799 --> 00:12:03.799 I think that's French cargo Jeppe. 219 00:12:05.519 --> 00:12:08.639 So it was okay, And where did you find When 220 00:12:08.639 --> 00:12:10.519 you said an individual, where'd you find? 221 00:12:10.840 --> 00:12:13.399 Why didn't you just go to ups or fed? Actually, 222 00:12:13.799 --> 00:12:16.039 why did you go to this shipping company? I never 223 00:12:16.080 --> 00:12:18.200 heard of him. 224 00:12:18.960 --> 00:12:22.879 This shipping company was reserved to me by the embassy, uh, 225 00:12:23.159 --> 00:12:28.639 the embassy of a Senegal a long time ago. Yes, 226 00:12:28.759 --> 00:12:31.879 terms of it, he does the shipping company throughout West Africa, 227 00:12:32.000 --> 00:12:33.039 not just one country. 228 00:12:34.440 --> 00:12:37.320 Okay, I got you. That's why we haven't heard from 229 00:12:37.399 --> 00:12:39.039 him here. Okay, what went wrong? 230 00:12:41.159 --> 00:12:44.840 Well, we've been working together on and off for nine 231 00:12:44.919 --> 00:12:50.559 years and he took ten boxes that we shipped from 232 00:12:50.639 --> 00:12:54.360 Dakar to the United States. But the ten boxes made 233 00:12:54.360 --> 00:12:58.000 it to Atlanta, and he told us that he's ready 234 00:12:58.039 --> 00:13:00.559 to ship it ship them to me. But out of 235 00:13:00.600 --> 00:13:03.600 the ten boxes, only seven made it. And out of 236 00:13:03.639 --> 00:13:08.679 those seven boxes, three of them were just straps. But 237 00:13:08.799 --> 00:13:11.200 in the boxes are very unique. 238 00:13:11.279 --> 00:13:14.799 Wait, three three of them. Three of them were what two? 239 00:13:14.840 --> 00:13:15.639 Three of them were. 240 00:13:15.480 --> 00:13:22.600 What strapped handbags? We make handbags and the strapped the handbags. Yeah, 241 00:13:22.639 --> 00:13:27.720 so three of the boxes were only strapped of the handbags. 242 00:13:28.360 --> 00:13:32.759 And those are the ones and those are the boxes missing. 243 00:13:35.360 --> 00:13:39.840 No, the boxes that I received was seven out of ten. 244 00:13:40.519 --> 00:13:44.440 So out of these seven boxes that I received, three 245 00:13:44.480 --> 00:13:47.480 of them were strapped, which means that my product, the 246 00:13:47.600 --> 00:13:51.279 actual product. I've only received the three or four boxes 247 00:13:51.360 --> 00:13:52.960 of actual products. 248 00:13:53.519 --> 00:13:55.720 Okay, so how many does that make out of the 249 00:13:55.720 --> 00:13:57.679 one hundred and fifty bags? 250 00:13:59.080 --> 00:14:02.279 So we did hundred n sifty bags were the initial 251 00:14:02.799 --> 00:14:06.320 initial estimate. So we finally opened up after making the 252 00:14:06.360 --> 00:14:09.960 police report, opened up the boxes and we ended up 253 00:14:09.960 --> 00:14:14.600 with back two hundred and ninety individual items missed altogether. 254 00:14:15.840 --> 00:14:18.840 Okay, so what is your question? Did you have this 255 00:14:18.960 --> 00:14:19.960 shipment insured? 256 00:14:22.639 --> 00:14:25.840 So the shipping company, I don't know if they have 257 00:14:26.039 --> 00:14:26.919 insurance or not. 258 00:14:27.159 --> 00:14:28.720 But what we do. 259 00:14:28.759 --> 00:14:32.200 They give us an estimate how much it costs to ship, 260 00:14:32.399 --> 00:14:36.720 and we pay them the money as when we receive 261 00:14:36.759 --> 00:14:39.799 the product, I mean once the product is in the US. 262 00:14:39.840 --> 00:14:41.080 But what about insurance? 263 00:14:42.159 --> 00:14:42.480 Fat too? 264 00:14:42.679 --> 00:14:47.840 What about insurance? Was insurance discussed? Did you have insurance? 265 00:14:48.399 --> 00:14:51.440 Is there insurance available? I mean, tell me about the 266 00:14:51.480 --> 00:14:52.320 insurance part. 267 00:14:53.759 --> 00:14:58.480 I have a business insurance, but for the shipping part, 268 00:14:57.600 --> 00:15:02.559 I don't have a part. Particular shipping insurance to me, 269 00:15:02.759 --> 00:15:05.639 that's covered by the shipping company, but I don't. 270 00:15:05.720 --> 00:15:11.600 That's not necessarily no, no, no, for too, it's not necessarily covered by 271 00:15:11.639 --> 00:15:16.000 the shipping company. But it's usually something that's discussed. What 272 00:15:16.080 --> 00:15:19.440 was the value of this shipment in general? What was 273 00:15:19.480 --> 00:15:21.360 the overall value of this shipment? 274 00:15:25.200 --> 00:15:31.159 So the overall value of the shipping we did not calculate, 275 00:15:31.360 --> 00:15:34.919 but we calculated the overall value of the items that 276 00:15:35.039 --> 00:15:35.639 were lost. 277 00:15:37.440 --> 00:15:40.240 Okay, okay, give me the value of the items that 278 00:15:40.279 --> 00:15:40.799 were lost. 279 00:15:42.840 --> 00:15:45.120 That's a two hundred thousand. 280 00:15:46.480 --> 00:15:49.679 Wait a minute, you're saying that you lost two hundred 281 00:15:49.720 --> 00:15:56.679 thousand dollars in the shipping right now, who do you 282 00:15:56.759 --> 00:15:58.480 expect to pay for that? 283 00:16:00.440 --> 00:16:00.960 The chipper? 284 00:16:02.559 --> 00:16:04.519 And okay, good, good answer. 285 00:16:04.600 --> 00:16:08.320 But why Now I'm going to ask why do you 286 00:16:08.440 --> 00:16:09.919 think they should pay for it? 287 00:16:11.960 --> 00:16:15.879 Because I believe that it's stolen, and he tells me 288 00:16:15.960 --> 00:16:19.759 that it's lost, but I don't believe that. He said 289 00:16:19.960 --> 00:16:23.600 that these three boxes which are big boxes. Those are 290 00:16:23.600 --> 00:16:24.720 three and no. 291 00:16:24.559 --> 00:16:25.639 No fet two. 292 00:16:25.759 --> 00:16:29.440 You're you're not answering my question. I'm not asking you 293 00:16:29.519 --> 00:16:33.039 what he said. I am asking you. Why do you 294 00:16:33.200 --> 00:16:38.120 believe the shipper owes you two hundred thousand dollars for 295 00:16:38.240 --> 00:16:43.039 the lost items. 296 00:16:40.960 --> 00:16:43.840 Because the items were lost in his care? 297 00:16:45.480 --> 00:16:49.120 Okay, another good answer. Now I'm going to ask Brian 298 00:16:49.200 --> 00:16:53.279 Burns his opinion. I don't really know, Brian. If I 299 00:16:53.519 --> 00:16:56.799 blindly go to a shipper that I've been using for 300 00:16:56.840 --> 00:17:01.399 a while and I have this stuff shipped and two 301 00:17:01.519 --> 00:17:05.720 hundred thousand dollars, for God's sake shows up missing, who's 302 00:17:05.799 --> 00:17:09.400 responsible for it? My first before you even answer Brian 303 00:17:09.960 --> 00:17:12.559 the two, I gotta ask you a question. If that 304 00:17:12.759 --> 00:17:15.759 part of the shipment was two hundred, what's the value 305 00:17:15.839 --> 00:17:16.920 of the whole shipment? 306 00:17:17.119 --> 00:17:19.599 About a half a million? What was the value of 307 00:17:19.640 --> 00:17:20.599 this shipment. 308 00:17:23.200 --> 00:17:25.400 That we have to calculate because these are. 309 00:17:25.559 --> 00:17:28.400 Very much well, just give me give me a rough idea, 310 00:17:28.799 --> 00:17:31.880 Give me a rough idea. It was more than two hundred. 311 00:17:31.960 --> 00:17:35.160 How much was it? If you value the whole shipment, 312 00:17:35.759 --> 00:17:37.720 how much is it? Approximately? 313 00:17:41.000 --> 00:17:46.799 Well, I would say about two and eighty thousand. 314 00:17:48.000 --> 00:17:55.920 Okay, Okay, Now, Brian, when somebody is shipping something worth 315 00:17:55.960 --> 00:17:59.680 two hundred and eighty thousand, I would never ship anything 316 00:18:00.480 --> 00:18:04.519 of that value without making sure I had insurance for 317 00:18:04.599 --> 00:18:07.799 two Did you ever ask them if they had insurance? 318 00:18:11.599 --> 00:18:11.759 No? 319 00:18:13.559 --> 00:18:19.440 Okay. Now I want to know somethingated. Did you have 320 00:18:19.519 --> 00:18:20.720 a shipping contract? 321 00:18:23.319 --> 00:18:25.519 It didn't contract? 322 00:18:26.839 --> 00:18:30.759 Okay, So she has a verbal contract to ship two 323 00:18:30.839 --> 00:18:36.640 hundred thousand dollars is missing, Brian, you can't automatically assume, 324 00:18:36.839 --> 00:18:41.039 I mean, just talk about it. Do shippers have automatic insurance? 325 00:18:42.039 --> 00:18:42.119 No? 326 00:18:42.319 --> 00:18:44.880 Well, I mean, as you you guys, even from a 327 00:18:44.960 --> 00:18:49.559 smaller standpoint, if you're shipping something a lot of times 328 00:18:49.559 --> 00:18:52.559 they'll have some insurance automatically on it. But it's it's 329 00:18:52.559 --> 00:18:55.279 a very small amount. If you're going to be shipping 330 00:18:55.319 --> 00:18:58.880 that kind of dollar amount, you need to actually specify 331 00:18:59.400 --> 00:19:03.079 the amount of insurance. Now, on a commercial policy property policy, 332 00:19:03.160 --> 00:19:05.799 she might have even been able to call her agent 333 00:19:05.960 --> 00:19:08.720 and get what's called an inla marine policy that would 334 00:19:08.759 --> 00:19:11.880 cover if she was responsible for it during the shipping. 335 00:19:12.240 --> 00:19:14.200 She might have been able to get insurance since it 336 00:19:14.240 --> 00:19:16.480 was coming overseas. I say, maybe, but you could at 337 00:19:16.559 --> 00:19:20.400 least have that conversation. But I mean, I don't know 338 00:19:20.440 --> 00:19:22.000 who you're going to be able to go after to 339 00:19:22.000 --> 00:19:22.960 get this kind of money. 340 00:19:23.119 --> 00:19:26.400 Now, now here's one thing I will say, Fetu, I 341 00:19:26.480 --> 00:19:29.960 want you to make a distinction here. When we're talking 342 00:19:30.039 --> 00:19:35.160 about insurance, that's one thing. But when we're talking about liability, 343 00:19:35.599 --> 00:19:40.039 that's an or example, Fetu, that company. 344 00:19:40.160 --> 00:19:43.279 Could be liable to you because. 345 00:19:42.839 --> 00:19:47.400 They lost your shipment, meaning that if they were negligent 346 00:19:48.039 --> 00:19:52.680 or at fault, you can go after them. However, that 347 00:19:52.839 --> 00:19:57.480 doesn't mean that they have insurance for it. So insurance 348 00:19:57.599 --> 00:20:02.440 and liability are two separate things. People often Brian lump 349 00:20:02.519 --> 00:20:08.599 them together, and it really doesn't matter. Liability is if 350 00:20:08.640 --> 00:20:14.440 they are responsible. Insurance is covering if they are responsible, 351 00:20:14.960 --> 00:20:16.240 if they have the insurance. 352 00:20:16.720 --> 00:20:17.240 So fit two. 353 00:20:18.000 --> 00:20:22.720 You're barking up the two. 354 00:20:22.759 --> 00:20:27.319 The very first thing I want to ask you, I'm 355 00:20:27.359 --> 00:20:28.240 going to assume. 356 00:20:28.839 --> 00:20:31.279 I'm going to assume there was no insurance on this. 357 00:20:31.799 --> 00:20:34.759 I'm just going to assume that. But that doesn't get 358 00:20:34.799 --> 00:20:39.480 the company out of out of trouble. What did the 359 00:20:39.559 --> 00:20:44.039 company do wrong? Can you nail them for this because 360 00:20:44.279 --> 00:20:46.440 they still may have to pay you whether they have 361 00:20:46.519 --> 00:20:47.279 insurance or not. 362 00:20:49.400 --> 00:20:54.079 Yes, I can, well quickly, I have to say, it's 363 00:20:54.079 --> 00:20:58.039 your fraud, it's your plan fraud, and I have a 364 00:20:58.079 --> 00:21:01.839 toms of documentation. But why I'm saying this? The company 365 00:21:01.880 --> 00:21:05.640 have knowledged that they have the ten boxes that arrived 366 00:21:05.680 --> 00:21:09.039 in Atlanta. They had those ten boxes and the and 367 00:21:09.160 --> 00:21:11.720 three of the boxes are missing, So that makes them 368 00:21:11.799 --> 00:21:13.440 responsible number one. 369 00:21:13.599 --> 00:21:14.119 Number two? 370 00:21:14.400 --> 00:21:17.440 But what makes them but wait wait, wait what okay? 371 00:21:18.400 --> 00:21:19.200 On shipping? 372 00:21:20.079 --> 00:21:23.640 On shipping, you would assume that when they take control 373 00:21:23.720 --> 00:21:27.079 of your packages, they're responsible for them, but they may 374 00:21:27.119 --> 00:21:30.119 not be negligent. What if a truck was robbed? What 375 00:21:30.200 --> 00:21:33.559 if something happened? Does anyone know what happened to these 376 00:21:33.599 --> 00:21:34.319 ten boxes? 377 00:21:36.400 --> 00:21:40.960 So that's the investigation part. We can investigate too, because 378 00:21:40.960 --> 00:21:44.480 he said the back of the U haul, the U 379 00:21:44.559 --> 00:21:46.759 hor that they do, it's not any truck, it's a 380 00:21:46.920 --> 00:21:50.160 U haul. So for a you hold the back of 381 00:21:50.319 --> 00:21:54.039 a U har truck to to fly open and have 382 00:21:54.279 --> 00:21:58.279 three big boxes fall out of that, it didn't have 383 00:21:58.519 --> 00:22:01.680 a traffic jamp. No, But he has anything, has seen 384 00:22:01.799 --> 00:22:03.559 anything that's possible. 385 00:22:05.880 --> 00:22:09.400 So are you saying that three are you saying the 386 00:22:09.519 --> 00:22:12.920 ten boxes that are missing, ten of them, that some 387 00:22:12.960 --> 00:22:14.400 of them fell out of the truck. 388 00:22:17.119 --> 00:22:19.559 That's what you say, but I'm saying that that's that's 389 00:22:19.599 --> 00:22:21.279 a lie. 390 00:22:22.160 --> 00:22:25.359 Well, I would say they would be liable if they 391 00:22:25.440 --> 00:22:27.599 if they packed the truck and three of them fell 392 00:22:27.599 --> 00:22:31.519 out of the truck. Look at your best bet is 393 00:22:31.559 --> 00:22:34.200 not to try to get insurance because you don't have 394 00:22:34.240 --> 00:22:37.240 any contract. You can't just walk up to an insurance 395 00:22:37.279 --> 00:22:38.799 company and say I want you to cover this. 396 00:22:40.240 --> 00:22:42.720 What you need to do is sue the shipping company. 397 00:22:43.279 --> 00:22:46.640 Does the shipping company have any money? Is the guy rich? 398 00:22:46.759 --> 00:22:49.319 Does he have anything? Does he own a building? Is 399 00:22:49.319 --> 00:22:53.279 he worth going after? Can he cover two hundred thousand losses? 400 00:22:57.960 --> 00:22:58.680 He has? 401 00:22:58.839 --> 00:23:01.039 He has a lot of business is going on, But 402 00:23:01.119 --> 00:23:03.319 I don't know how much money he has. But I 403 00:23:03.359 --> 00:23:06.359 can tell you Tom that the reason I'm saying is 404 00:23:06.359 --> 00:23:09.920 the feelings we when we pack our products, we don't 405 00:23:09.960 --> 00:23:13.519 pack we had no lines, multiple decent lines. We don't 406 00:23:13.559 --> 00:23:16.799 pack all of the one line in one box. So 407 00:23:16.880 --> 00:23:21.799 we as if divide our line into multiple boxes, because 408 00:23:22.000 --> 00:23:24.839 we assume that if something happens to one of the 409 00:23:24.920 --> 00:23:28.079 books and that one's box happened to be one total, 410 00:23:28.359 --> 00:23:31.880 one complete line, will lose all that line to avoid it. 411 00:23:31.960 --> 00:23:34.960 No, I get it, I get it. You divide the shipment. 412 00:23:35.200 --> 00:23:38.039 You divide the shipment up. But we need to reduce 413 00:23:38.119 --> 00:23:42.119 this to the simplest common denominator set two. I think 414 00:23:42.160 --> 00:23:43.200 you're looking about this. 415 00:23:43.160 --> 00:23:43.720 The whole way. 416 00:23:43.920 --> 00:23:47.200 You're running after insurance companies, and you shouldn't be. You 417 00:23:47.359 --> 00:23:50.720 have no contract with any insurance company, and. 418 00:23:50.680 --> 00:23:52.440 You can't create one out of thin air. 419 00:23:52.720 --> 00:23:55.640 And you can't go after an insurance company because you 420 00:23:55.759 --> 00:23:58.359 think the company should have had it. So hold on 421 00:23:58.680 --> 00:24:00.759 and I'll give you what I would do you coming up, 422 00:24:06.240 --> 00:24:09.519 Go with a sure thing Denver's Best roofer Excel Roofing 423 00:24:09.640 --> 00:24:10.200 dot com. 424 00:24:10.240 --> 00:24:12.279 You don't pay a cent until you're content. 425 00:24:15.640 --> 00:24:19.200 Time for an insurance checkup free, no obligation comparison call 426 00:24:19.319 --> 00:24:22.640 Compass Insurance paying too much your coverage at dozens of 427 00:24:22.640 --> 00:24:25.319 insurance companies find out now three all three seven to 428 00:24:25.359 --> 00:24:28.160 seven to one help. You'll think you're his only customer 429 00:24:28.200 --> 00:24:30.480 when you choose Frank durand the real estate Man dot 430 00:24:30.480 --> 00:24:33.799 com to list your home with Remax Alliance three oh 431 00:24:33.839 --> 00:24:37.319 three nine two zero sixteen twenty two. 432 00:24:38.440 --> 00:24:38.839 All right. 433 00:24:40.480 --> 00:24:44.799 So fit two first contacted us because part of her 434 00:24:44.839 --> 00:24:50.839 shipment from Senegal Africa was is missing. It's worth about 435 00:24:50.839 --> 00:24:56.480 two hundred thousand, So she's assuming there's insurance. Now, Brian burns, 436 00:24:56.640 --> 00:24:59.480 I want to talk about insurance. What if there is 437 00:24:59.519 --> 00:25:01.359 insurance he doesn't know? How does she find out if 438 00:25:01.400 --> 00:25:04.559 there is insurance? How does anyone find out. 439 00:25:04.519 --> 00:25:07.240 Exactly what you're talking about? Doing you see them because 440 00:25:07.240 --> 00:25:09.359 at that point they'll get their insurance involved that it 441 00:25:09.480 --> 00:25:12.079 is there. But if she just tries to call them 442 00:25:12.160 --> 00:25:15.359 or you know, he doesn't have to answer her question 443 00:25:16.480 --> 00:25:19.039 of whether there's insurance. But if she wants to make 444 00:25:19.079 --> 00:25:22.319 sure the insurance gets involved, if there is any you 445 00:25:22.359 --> 00:25:24.279 would you would do exactly what you were talking about, 446 00:25:24.319 --> 00:25:25.759 figure out liability and then sue. 447 00:25:27.640 --> 00:25:32.519 It's it's unfortunate. Brian is with Compass Insurance Group. And Brian, 448 00:25:32.720 --> 00:25:36.200 even if he does have insurance, it may not cover this, right, 449 00:25:36.279 --> 00:25:38.839 I mean there are different go ahead. 450 00:25:39.480 --> 00:25:41.920 Well, they might they might say that he's not negligent, 451 00:25:42.000 --> 00:25:44.400 and in my opinion, it would shock me if there's 452 00:25:44.440 --> 00:25:47.279 not some sort of contract. Whether she said this is 453 00:25:47.319 --> 00:25:50.240 just verbal, but if this is a legitimate company, there's 454 00:25:50.279 --> 00:25:53.319 probably a contract that limits his liability on the items 455 00:25:53.319 --> 00:25:55.720 that are shipped. It's really going to be on a 456 00:25:55.759 --> 00:25:58.920 person shipping the items. If they have that kind of value, 457 00:25:58.960 --> 00:26:01.799 they need to ensure that. They need to specify insurance 458 00:26:01.839 --> 00:26:02.160 for it. 459 00:26:03.920 --> 00:26:04.640 Thank you, Brian. 460 00:26:04.759 --> 00:26:07.240 By the way, that's home of the insurance checkup, where 461 00:26:07.279 --> 00:26:10.119 they'll review your insurance to make sure you're not out 462 00:26:10.160 --> 00:26:13.000 of whack with insurance paying too much or maybe under 463 00:26:13.039 --> 00:26:15.880 insured or whatever. Three oh three nine nine six nine thousand. 464 00:26:16.279 --> 00:26:19.200 Now here's what I would do. Okay, you're not going 465 00:26:19.279 --> 00:26:21.680 to like it for two because you got very you 466 00:26:21.759 --> 00:26:23.480 got a really bad situation. 467 00:26:23.880 --> 00:26:25.079 You don't have a contract. 468 00:26:25.400 --> 00:26:28.920 You have a shipper in Senegal, Africa, so now you 469 00:26:29.119 --> 00:26:32.839 have to prove the shipper was negligent. If the shipper 470 00:26:32.920 --> 00:26:36.240 was negligent, you need to sue them for the value. 471 00:26:36.880 --> 00:26:40.039 You're going after insurance. Don't go after insurance. It's not 472 00:26:40.119 --> 00:26:45.559 an insurance item. It's a negligence claim. You're claiming the. 473 00:26:45.559 --> 00:26:50.519 Shipper was legit. You're going to do that in Senegal. 474 00:26:50.680 --> 00:26:51.319 Thank you, Tom. 475 00:26:52.319 --> 00:26:55.640 I just wanted to take Okay, I'm not going after 476 00:26:55.720 --> 00:26:58.519 the insurance, but I'm going to after the company because 477 00:26:58.519 --> 00:26:59.799 I believe that they've stole it. 478 00:27:01.319 --> 00:27:02.160 That's what you do. 479 00:27:02.240 --> 00:27:06.160 You go after the company in Senegal for negligence. And 480 00:27:06.279 --> 00:27:08.960 I don't know what their laws are, but good luck, 481 00:27:09.079 --> 00:27:12.720 it's gonna be hard. It's going to be a very, 482 00:27:12.880 --> 00:27:16.039 very very difficult one. And by the way, this is 483 00:27:16.079 --> 00:27:19.160 not just for exotic handbags or anything, but people. You 484 00:27:19.279 --> 00:27:22.240 need to think in terms of shipping. We all have 485 00:27:22.400 --> 00:27:27.039 things shipped, whether it be Amazon or eBay or whatever. 486 00:27:27.400 --> 00:27:31.160 Have you ever looked into shipping, because you know, there's 487 00:27:31.200 --> 00:27:34.680 an age old problem. Who owns the property when you 488 00:27:34.720 --> 00:27:40.039 buy something on Amazon or on eBay or another service 489 00:27:40.480 --> 00:27:42.880 and it shipped you and it doesn't get to you. 490 00:27:44.759 --> 00:27:47.640 Is it yours when they hand it over to the 491 00:27:47.680 --> 00:27:51.119 shipper and now it's your responsibility or is it still 492 00:27:51.160 --> 00:27:54.599 their responsibility until you put your hands on it. I 493 00:27:54.640 --> 00:27:56.880 have an answer for that, but I want you to 494 00:27:56.960 --> 00:28:02.240 tell me whose property is it? Okay, you see it online, 495 00:28:02.319 --> 00:28:07.599 you buy it, they pack it up and hand it 496 00:28:07.640 --> 00:28:10.440 over to the shipper, and it never makes it to you. 497 00:28:12.359 --> 00:28:14.039 Was that contract fulfilled? 498 00:28:15.319 --> 00:28:18.319 And now you're screwed because you have to find out 499 00:28:18.319 --> 00:28:22.240 where your package went? Or is it not yours until 500 00:28:22.279 --> 00:28:24.599 you pick it up at your door? What do you 501 00:28:24.680 --> 00:28:29.440 think The answer is going to surprise you? You know 502 00:28:29.480 --> 00:28:33.359 why because the answer is it's your product. Once you 503 00:28:33.440 --> 00:28:37.000 buy it. When they hand it over to the shipper, 504 00:28:38.240 --> 00:28:42.839 it's yours. So you have to make sure unless the 505 00:28:42.960 --> 00:28:48.279 contract specifies otherwise. But when you go online and buy 506 00:28:48.319 --> 00:28:52.759 it and it says congratulations or shipping in progress, they're 507 00:28:52.799 --> 00:28:59.200 shipping your package. All right, Deputy Bow is on now 508 00:28:59.240 --> 00:29:01.000 and we're going to follow this problem up. 509 00:29:01.519 --> 00:29:02.200 Deputy Bow. 510 00:29:02.680 --> 00:29:06.240 What I really do know is that this guy thought 511 00:29:06.279 --> 00:29:09.279 he was dealing with some kind of crisis hotline. It 512 00:29:09.400 --> 00:29:12.440 was just some kind of fancy marketing ploy by home depot. 513 00:29:13.119 --> 00:29:16.240 I don't mind that, but it's kind of weird. Charles 514 00:29:16.279 --> 00:29:18.920 did not get the service he wanted, and you said 515 00:29:18.920 --> 00:29:20.039 you would take a look at it. 516 00:29:21.200 --> 00:29:26.119 What did you find? He needed a furnace, but you 517 00:29:26.160 --> 00:29:30.279 went over and made his furnace work. Tell me about it, right. 518 00:29:30.119 --> 00:29:33.400 He did call this energy outreach. I didn't investigate that. 519 00:29:33.599 --> 00:29:37.480 Apparently by making a call, the home Depot sent out 520 00:29:37.519 --> 00:29:42.599 an HVAC company and they told him that the parts 521 00:29:43.319 --> 00:29:46.720 of their parts were not available for the furnace and 522 00:29:46.839 --> 00:29:50.880 quoted him. I believe it was sixty nine dollars and Charles, 523 00:29:51.000 --> 00:29:55.920 being a disabled person on low income, has not had 524 00:29:56.000 --> 00:29:57.480 heat for two months. 525 00:29:57.920 --> 00:29:59.440 I went over there last Saturday. 526 00:29:59.480 --> 00:30:01.680 He took my order with me to help me, went 527 00:30:01.720 --> 00:30:06.200 over there, checked it all out. The contractor removed the 528 00:30:06.480 --> 00:30:11.240 heating access door, so I couldn't I couldn't properly light it. 529 00:30:11.279 --> 00:30:14.519 So I actually borrowed a borrowed some parts from another 530 00:30:14.799 --> 00:30:17.559 furnace in my rental. Was able to put it together, 531 00:30:17.680 --> 00:30:21.279 clean the pilot, and we got and I did a 532 00:30:21.359 --> 00:30:26.119 carbon monoxide test and a gas leak test, and basically 533 00:30:26.200 --> 00:30:31.599 we got charles furnace up and running. And I told Charles, 534 00:30:31.599 --> 00:30:34.880 the parts are certainly available to the unit. So I 535 00:30:34.960 --> 00:30:37.599 believe we, you know we The troubleshooter shows eight named 536 00:30:37.640 --> 00:30:39.920 sixty nine dollars from a new furnace. 537 00:30:40.480 --> 00:30:43.359 My god, bo what did it turn out to be. 538 00:30:44.720 --> 00:30:47.720 A dirty pilot? And I cleaned it from a couple 539 00:30:47.880 --> 00:30:51.160 and I replaced the burner access store, which I believe 540 00:30:51.759 --> 00:30:55.799 whoever was out there purposely removed it to disable the unit. 541 00:30:59.319 --> 00:31:01.880 And you stick, what would that have cost on the 542 00:31:01.920 --> 00:31:02.599 open market? 543 00:31:05.480 --> 00:31:06.759 Fifteen hundred bucks? 544 00:31:06.799 --> 00:31:08.599 Maybe that with all. 545 00:31:08.480 --> 00:31:13.000 The work, Okay, so around fifteen hundred And they quoted 546 00:31:13.079 --> 00:31:19.079 him sixty nine hundred, yes, And they said that even 547 00:31:19.119 --> 00:31:21.440 at that the parts are not readily available. 548 00:31:21.480 --> 00:31:25.319 Well, they weren't interested in repaying it because they told Charles. 549 00:31:25.759 --> 00:31:28.599 Charles will tell you they told him that they cannot 550 00:31:28.599 --> 00:31:31.599 repair the furnace because they said that puts for the 551 00:31:31.680 --> 00:31:33.480 Internet is no longer available. 552 00:31:34.559 --> 00:31:38.039 So the sixty nine hundred was for a replacement for 553 00:31:38.119 --> 00:31:38.960 a brand new. 554 00:31:38.799 --> 00:31:41.880 Furnace, and Charles just couldn't afford it. He's on a 555 00:31:41.920 --> 00:31:44.799 fixed income, you know. 556 00:31:44.839 --> 00:31:49.960 Deputy Bow, Yes, you know you did a great job. Again, man, 557 00:31:50.039 --> 00:31:52.640 I'm down here knocking out of the park with these things. 558 00:31:54.519 --> 00:31:57.359 And I'm also going to stand Charles the lift of 559 00:31:57.400 --> 00:32:00.480 the available parts and Kathy has trouble and if future 560 00:32:00.880 --> 00:32:04.279 he will know that parts are available. It's a refurnas 561 00:32:04.359 --> 00:32:07.480 some parts are still available. It was just a pretty 562 00:32:07.519 --> 00:32:08.920 easy repair. 563 00:32:09.920 --> 00:32:11.039 Thank you, Thank you. 564 00:32:11.039 --> 00:32:12.880 Very much, Charles, thank you. I got to take a break. 565 00:32:12.920 --> 00:32:18.960 We have more coming up. Go with a sure thing 566 00:32:19.079 --> 00:32:22.400 Denver's Best roofer Excel roofing dot com. You don't pay 567 00:32:22.400 --> 00:32:29.039 a cent until you're content. Time for an insurance checkup free, 568 00:32:29.119 --> 00:32:32.880 no obligation. In comparison, call Compass insurance paying too much 569 00:32:33.000 --> 00:32:35.920 your coverage at dozens of insurance companies find out now 570 00:32:36.000 --> 00:32:38.519 three O three seven seven to one. Help you'll think 571 00:32:38.519 --> 00:32:41.119 you're his only customer when you choose Frank durand the 572 00:32:41.160 --> 00:32:43.799 real estate man dot com to list your home with 573 00:32:43.920 --> 00:32:47.880 Remax Alliance three oh three nine two zero sixteen twenty two. 574 00:32:50.200 --> 00:32:54.000 Hi Tom Martine, Let's start with Tricia and Car Toys. 575 00:32:54.440 --> 00:32:55.880 Hello Tricia, what's going on? 576 00:32:58.319 --> 00:32:58.519 Hi? 577 00:32:58.599 --> 00:32:58.960 Tom? 578 00:32:59.000 --> 00:32:59.079 So. 579 00:33:00.759 --> 00:33:02.599 I had gone to Car Toys to get a new 580 00:33:02.720 --> 00:33:07.319 car radio and I was driving two friends house going 581 00:33:07.319 --> 00:33:09.960 about sixty five on Highley thirty six when my hood 582 00:33:10.000 --> 00:33:16.559 flew open and I tried contacting Car Toys and they 583 00:33:16.680 --> 00:33:19.079 said that they looked at the footage. They keep telling 584 00:33:19.079 --> 00:33:22.799 me they never opened up the hood, but I personally 585 00:33:22.799 --> 00:33:25.359 don't believe them. When I asked them if they could 586 00:33:25.400 --> 00:33:28.000 send me the security footage, they said the only way 587 00:33:28.200 --> 00:33:30.480 that they can send the footage to anyone is if 588 00:33:30.519 --> 00:33:32.079 they open a police investigation. 589 00:33:34.599 --> 00:33:37.200 Well that's not true. I mean that might be their policy, 590 00:33:37.880 --> 00:33:39.799 you know what I mean? They might have an internal 591 00:33:39.839 --> 00:33:44.039 policy that says we don't give you footage unless there's 592 00:33:44.079 --> 00:33:46.519 a claim. But Tricia, I want to ask a little 593 00:33:46.640 --> 00:33:49.160 I want to ask a few questions. You picked up 594 00:33:49.200 --> 00:33:52.279 your car for cars from Car Toys and how long 595 00:33:52.319 --> 00:33:53.200 did you drive it? 596 00:33:53.240 --> 00:33:54.319 Before the hood opened. 597 00:33:56.319 --> 00:33:59.079 I think about fifteen minutes or so. I'm not one 598 00:33:59.160 --> 00:33:59.880 hundred per cent sure. 599 00:34:01.359 --> 00:34:03.240 So it was right when you picked it up. 600 00:34:05.480 --> 00:34:07.720 Pretty much. Yeah, I got them too. I twenty five 601 00:34:07.759 --> 00:34:08.480 to thirty six. 602 00:34:10.519 --> 00:34:12.400 And how fast were you going. 603 00:34:14.719 --> 00:34:17.039 On thirty six? I was going about sixty five about that. 604 00:34:18.840 --> 00:34:21.920 Don't you have an emergency latch that keeps it latched 605 00:34:21.920 --> 00:34:22.840 even if it opens? 606 00:34:24.800 --> 00:34:28.159 I'm supposed to, but my dad actually looked the latch 607 00:34:28.159 --> 00:34:28.679 and plug. 608 00:34:28.760 --> 00:34:30.519 The bolts were missing for some reason. 609 00:34:33.239 --> 00:34:36.960 But it was there before you took it in. Yep, 610 00:34:38.519 --> 00:34:40.880 all right, I want you to hold on, Trisia. This 611 00:34:41.000 --> 00:34:44.239 sounds like too much of a coincidence. I can't see 612 00:34:44.280 --> 00:34:48.039 how they could just turn their back on you completely. 613 00:34:48.559 --> 00:34:50.599 To hold on, we'll talk about it. 614 00:34:52.239 --> 00:34:55.480 Go with a sure thing Denver's Best roofer Excel Roofing 615 00:34:55.599 --> 00:34:58.239 dot com. You don't pay a cent until you're content. 616 00:35:01.639 --> 00:35:04.800 Time for an insurance check up free, no obligation. In comparison, 617 00:35:04.960 --> 00:35:08.480 call Compass Insurance. Pay too much your coverage at dozens 618 00:35:08.519 --> 00:35:11.239 of insurance companies. Find out now three oh three seven 619 00:35:11.360 --> 00:35:14.159 seven to one help. You'll think you're his only customer 620 00:35:14.199 --> 00:35:16.440 when you choose Frank durand the real estate man dot 621 00:35:16.480 --> 00:35:19.760 com to list your home with Remax Alliance three oh 622 00:35:19.840 --> 00:35:21.920 three nine two zero sixteen twenty two. 623 00:35:27.199 --> 00:35:28.199 Rit tough. 624 00:35:29.519 --> 00:35:32.519 News needs who you don't have? 625 00:35:35.199 --> 00:35:37.199 Run anxious as fast as you can. 626 00:35:37.960 --> 00:35:39.760 Shooter's gonna help. 627 00:35:40.039 --> 00:35:42.800 Come man, This is. 628 00:35:42.760 --> 00:35:48.440 The Troubleshooter Show. Now, Tom Martino, Hey, Hey, hey. 629 00:35:48.239 --> 00:35:51.559 Tom Martino here, and we've been solving problems, answering questions, 630 00:35:51.599 --> 00:35:54.760 taking complaints, making your life a little easier, as we've 631 00:35:54.800 --> 00:35:57.880 done for forty five years. Listen, there's something I got 632 00:35:57.880 --> 00:35:59.920 to bring up because it comes up all the time. 633 00:36:00.239 --> 00:36:00.679 Shipping. 634 00:36:01.320 --> 00:36:06.760 Don't assume when you ship something it's automatically covered. It's 635 00:36:06.880 --> 00:36:11.679 automatically covered by the shipper, or by you or by 636 00:36:11.719 --> 00:36:14.559 someone else. And when do you own something Do you 637 00:36:14.639 --> 00:36:16.840 own it when you make the transaction or do you 638 00:36:16.920 --> 00:36:19.440 own it when you get delivered? For example, if you 639 00:36:19.480 --> 00:36:22.559 make a transaction online and they ship it and it 640 00:36:22.599 --> 00:36:24.440 doesn't get to you, whose. 641 00:36:24.239 --> 00:36:25.719 Problem is it? 642 00:36:25.719 --> 00:36:30.320 It's your problem unless you make a contract that's fulfilled 643 00:36:30.400 --> 00:36:34.679 upon receipt of it at your door, it's really your problem. Now, 644 00:36:35.000 --> 00:36:37.920 Amazon kind of takes the risk out of it because 645 00:36:38.000 --> 00:36:43.639 Amazon makes it so if they ship something and you 646 00:36:43.719 --> 00:36:47.239 don't get it, they'll send it out again. Amazon is 647 00:36:47.320 --> 00:36:49.880 really in a class all by itself. But if you're 648 00:36:49.920 --> 00:36:53.760 ever dealing online, for example, we've had this happen from 649 00:36:54.039 --> 00:36:58.000 peer to peer transactions. Somebody buys something in North Carolina 650 00:36:58.519 --> 00:37:00.960 and John Smith goes and puts something in a box 651 00:37:01.599 --> 00:37:02.920 and takes it to FedEx. 652 00:37:03.760 --> 00:37:06.800 FedEx never delivers it. It's lost. 653 00:37:07.840 --> 00:37:12.480 That's your problem, that's not John Smith's problem. Unless John 654 00:37:12.519 --> 00:37:15.800 Smith never took it to FedEx. That's a whole different ballgame. 655 00:37:15.840 --> 00:37:19.440 That's why you want to receipt. But shipping we always 656 00:37:19.480 --> 00:37:23.199 take for granted, and we shouldn't. We should look into 657 00:37:23.280 --> 00:37:26.559 everything we buy if it's important, and who's ensuring it 658 00:37:26.760 --> 00:37:29.639 and who's responsible for it until you get it in 659 00:37:29.719 --> 00:37:37.360 your hands. All right now, Tricia said she had a 660 00:37:37.400 --> 00:37:42.119 car radio put in at Car Toys and was on 661 00:37:42.199 --> 00:37:46.719 the highway within fifteen minutes or so and her hood 662 00:37:46.719 --> 00:37:51.119 flew open. Now that's too much of a coincidence, Tricia, 663 00:37:51.159 --> 00:37:53.079 What do they say? 664 00:37:54.440 --> 00:37:57.440 They kept telling me by it wasn't their fault that 665 00:37:57.559 --> 00:38:00.840 they never opened up the hood at all, even though 666 00:38:01.000 --> 00:38:03.320 I know they would have to disconnect the battery to 667 00:38:03.480 --> 00:38:06.199 do any electrical work in any car. 668 00:38:06.800 --> 00:38:07.880 What kind of car do you have? 669 00:38:09.719 --> 00:38:12.599 It's a two thousand and two Canday XT three fifty. 670 00:38:14.000 --> 00:38:16.480 Okay, now what harm did it do? 671 00:38:19.679 --> 00:38:22.719 Currently? My hoot is bend in half and it will 672 00:38:22.719 --> 00:38:25.039 not latch again. I also have a giant dent in 673 00:38:25.159 --> 00:38:26.400 the top of my car. 674 00:38:28.199 --> 00:38:30.280 How much is this all going to cost to fix? 675 00:38:32.400 --> 00:38:35.480 I'm not sure. I haven't gone to a body shop yet. 676 00:38:35.519 --> 00:38:38.000 Just because we've been trying to work with their insurance 677 00:38:38.320 --> 00:38:39.320 on trying to cover it. 678 00:38:40.679 --> 00:38:43.679 What does their insurance say? 679 00:38:44.440 --> 00:38:46.960 Their insurance has not contacted me at all. They keep 680 00:38:47.000 --> 00:38:50.719 telling me they're putting in a claim, but nobody's contacted 681 00:38:50.760 --> 00:38:51.440 me about anything. 682 00:38:53.079 --> 00:38:58.239 Tricia, I would handle this by getting an estimate, and 683 00:38:58.320 --> 00:39:01.880 if it's under seventy five hundred, I would take the 684 00:39:01.960 --> 00:39:05.440 car toys to small claims court. As soon as you 685 00:39:05.559 --> 00:39:08.599 file that, they have to put submit it to their 686 00:39:08.639 --> 00:39:10.800 insurance and they won't ignore you. 687 00:39:11.320 --> 00:39:12.440 I don't see now. 688 00:39:12.480 --> 00:39:17.559 Now they claim they have videotape and they've never opened 689 00:39:17.559 --> 00:39:25.280 the hood of your car, right, And they said the 690 00:39:25.320 --> 00:39:27.880 only way you get the videotape is if there's a case. 691 00:39:28.280 --> 00:39:30.880 So if you file a case in small claims court, 692 00:39:31.800 --> 00:39:37.599 you can subpoena that tape, but that tape has to 693 00:39:37.639 --> 00:39:41.079 be I don't know, Like they have a static cam 694 00:39:41.079 --> 00:39:44.320 on that car that shows the hood was closed the 695 00:39:44.320 --> 00:39:44.880 whole time. 696 00:39:46.639 --> 00:39:48.760 I mean that seems that seems weird to me. 697 00:39:50.599 --> 00:39:53.679 Yeah, they're saying that they have security cameras in their 698 00:39:53.719 --> 00:39:54.639 garages and they. 699 00:39:54.519 --> 00:39:56.840 Were looking at that right right. 700 00:39:57.400 --> 00:40:01.719 I understand what they're saying, but it seems me there's 701 00:40:01.760 --> 00:40:04.800 too much of a coincidence. I mean, you've driven around 702 00:40:04.800 --> 00:40:06.960 in that car for a while and never had a problem. 703 00:40:07.239 --> 00:40:10.880 But what I still don't understand is why the safety 704 00:40:11.000 --> 00:40:14.599 latch did not catch it. Did you not have a 705 00:40:14.599 --> 00:40:16.719 safety latch on your car? 706 00:40:18.480 --> 00:40:20.880 I don't know for sure. I'm like ninety nine percent 707 00:40:20.960 --> 00:40:23.519 sure it does, though, because I'm pretty sure every single 708 00:40:23.519 --> 00:40:24.719 car has a security latch. 709 00:40:26.280 --> 00:40:27.400 Well they're supposed to. 710 00:40:27.599 --> 00:40:30.639 So if it comes loose, you still have to reach 711 00:40:30.679 --> 00:40:33.119 your hand in there to open the hood. 712 00:40:34.760 --> 00:40:38.840 Yeah, that's what I have to do, well, I know. 713 00:40:38.840 --> 00:40:41.159 But so there still is a safety latch there. 714 00:40:43.480 --> 00:40:46.480 Yeah, there is a safety latch. Now that you explain 715 00:40:46.519 --> 00:40:47.960 that to me, I do have to reach under the 716 00:40:48.000 --> 00:40:51.000 car and hit a latch to open it all. 717 00:40:50.840 --> 00:40:55.840 The way okay, okay, you pull a cord or something, 718 00:40:56.199 --> 00:40:59.239 or you pull an activator in the cockpit, or press 719 00:40:59.239 --> 00:41:02.280 a button that pops the hood. Then you go out 720 00:41:02.679 --> 00:41:05.199 and put your fingers in there and open it. 721 00:41:05.239 --> 00:41:06.159 Is that how you do it? 722 00:41:08.000 --> 00:41:08.440 Exactly? 723 00:41:08.480 --> 00:41:09.639 That's exactly how I do it. 724 00:41:10.800 --> 00:41:11.239 Okay? 725 00:41:11.719 --> 00:41:15.360 Right now? How closed does your hood get? Are you 726 00:41:15.400 --> 00:41:16.599 able to drive your car? 727 00:41:19.119 --> 00:41:20.920 The only way I'm able to drive my car right 728 00:41:20.960 --> 00:41:24.320 now is because a cop actually came to the highway 729 00:41:24.400 --> 00:41:26.840 and tied it down with a rope, and I can't 730 00:41:26.840 --> 00:41:28.679 go over forty or fifty miles an hour. 731 00:41:30.599 --> 00:41:34.639 All right, I want you to I don't know how 732 00:41:34.639 --> 00:41:38.800 we figure. Who do we ask about installing a radio? 733 00:41:39.599 --> 00:41:42.679 Let's ask Kevin Colkin? Okay, did they do electrical work? 734 00:41:43.000 --> 00:41:45.440 I want to ask one of our experts. Can you 735 00:41:45.519 --> 00:41:48.079 install a radio? What did you have done? Did you 736 00:41:48.119 --> 00:41:49.960 have a new antenna put on it too? Or just 737 00:41:49.960 --> 00:41:50.440 a radio? 738 00:41:52.159 --> 00:41:55.000 It was just a radio. I'm only using it for Bluetooth. 739 00:41:57.199 --> 00:42:00.639 And are you claiming that they had to do something 740 00:42:01.079 --> 00:42:03.159 you said to get to the battery? What what are 741 00:42:03.199 --> 00:42:05.079 you What did you say in the beginning. 742 00:42:06.679 --> 00:42:09.519 They have to open up the hood and disconnect the battery. 743 00:42:09.880 --> 00:42:12.440 So that if they why any wires are not. 744 00:42:12.360 --> 00:42:13.880 Going to recopuite themselves? 745 00:42:15.159 --> 00:42:18.320 Yeah, well they Okay, I don't know if they have to. 746 00:42:18.480 --> 00:42:21.920 Let's ask Kevin. Okay, hold on, Trish and we'll come 747 00:42:21.960 --> 00:42:27.480 back to you. So, Kachina, I want you to call 748 00:42:28.039 --> 00:42:30.719 Kevin Caulkin just if he has a comment on this, 749 00:42:31.079 --> 00:42:34.320 since they do electrical work. They do electrical work at 750 00:42:34.320 --> 00:42:38.440 Shared and Auto Tech. Steve, what is your issue with 751 00:42:38.519 --> 00:42:39.320 Wells Fargo? 752 00:42:39.440 --> 00:42:45.039 Steve, Hello, Tom, well boy. I bought a truck I 753 00:42:45.320 --> 00:42:49.880 had fifteen years ago, and it was financed through Wells Fargo. 754 00:42:50.119 --> 00:42:54.719 That's who they used at the time, local dealership. Over 755 00:42:54.719 --> 00:42:57.320 a period of about another five or six years, I 756 00:42:57.400 --> 00:43:00.960 kept getting these residual checks where they charged me for 757 00:43:01.079 --> 00:43:05.559 insurance which wasn't necessarily they charged me wrong interest rate, whatever. 758 00:43:05.599 --> 00:43:07.639 But it comes down to I got a letter in 759 00:43:07.639 --> 00:43:12.920 the mail the other day David May seventh. David sent 760 00:43:13.000 --> 00:43:17.079 out a cash heres check in April or April of 761 00:43:17.840 --> 00:43:21.199 twenty twenty one. I never received it. 762 00:43:21.920 --> 00:43:24.000 Now here's what I want to ask him. I'm a 763 00:43:24.039 --> 00:43:27.199 little confused here. I'm a little confused, So help me out. 764 00:43:27.519 --> 00:43:29.840 Did you buy your truck new fifteen years ago. 765 00:43:30.800 --> 00:43:34.119 No, it was a youth truck at the local local 766 00:43:34.199 --> 00:43:34.880 Dodge dealer. 767 00:43:36.079 --> 00:43:38.800 Okay, And when you bought it fifteen years ago? How 768 00:43:38.840 --> 00:43:39.679 long was your loan? 769 00:43:41.360 --> 00:43:45.280 I believe it was a four year loan. Again, I 770 00:43:45.800 --> 00:43:49.000 hardly remem mean I remember, I can't about it. 771 00:43:50.159 --> 00:43:53.360 So you bought a truck fifteen years ago and took 772 00:43:53.400 --> 00:43:56.000 out a four year loan and took out a four 773 00:43:56.079 --> 00:43:58.400 year loan with Wells Fargo. 774 00:43:59.400 --> 00:44:05.519 Yes, and then what happened? Okay, I got it and 775 00:44:05.559 --> 00:44:06.760 then you paid it off? 776 00:44:07.199 --> 00:44:08.039 You I paid it off. 777 00:44:08.079 --> 00:44:10.159 You paid it off, and then what you should be 778 00:44:10.199 --> 00:44:11.039 done with? And then what? 779 00:44:11.719 --> 00:44:14.679 Well, that's right? But then I kept getting these letters 780 00:44:14.679 --> 00:44:17.199 of checks in the mail, the one. 781 00:44:17.239 --> 00:44:21.239 Okay, but how long after hold on, Steve, after you 782 00:44:21.320 --> 00:44:24.679 paid off your truck, you paid off your truck, roughly 783 00:44:24.760 --> 00:44:28.960 ten years ago. After you paid off your truck, when 784 00:44:29.000 --> 00:44:31.920 did you start receiving those checks? 785 00:44:32.440 --> 00:44:36.280 I would say within three to four months? And again, 786 00:44:36.360 --> 00:44:41.000 the last one was issued on April. I'm sorry, August thirtieth, 787 00:44:41.159 --> 00:44:43.199 twenty twenty one. I was supposed to the last, the 788 00:44:43.239 --> 00:44:45.320 one I'm worried about. 789 00:44:46.599 --> 00:44:48.960 And what were they called refund checks? 790 00:44:49.679 --> 00:44:53.679 Well, there's little letters that we had miscapculated the interest? 791 00:44:53.920 --> 00:44:56.480 Was I one of them? As I remember, they overcharged 792 00:44:56.519 --> 00:44:59.000 me interest or something because when I paid it off, 793 00:44:59.039 --> 00:45:01.400 I paid it full before loans. 794 00:45:01.840 --> 00:45:04.159 Well, there was a class action lawsuit? 795 00:45:04.559 --> 00:45:06.920 Did they mention this was in payment of a class 796 00:45:06.960 --> 00:45:08.920 action lawsuit that you may have been part of? 797 00:45:09.840 --> 00:45:10.039 Oh? 798 00:45:10.159 --> 00:45:14.239 I don't remember. I do remember kell was for insurance 799 00:45:14.320 --> 00:45:16.639 because I had insurance on the vehicle. But they went 800 00:45:16.679 --> 00:45:18.800 ahead and charged me insurance anyway. 801 00:45:18.599 --> 00:45:22.360 All right, Okay, Now what I want to know is 802 00:45:22.400 --> 00:45:25.079 this is Jay, How much were those checks each one? 803 00:45:25.559 --> 00:45:25.679 Like? 804 00:45:25.719 --> 00:45:29.360 Were they for one thousand bucks? Two hundred? 805 00:45:29.679 --> 00:45:32.239 I think the highest one was the two or three 806 00:45:32.280 --> 00:45:35.039 hundred dollars for the insurance. All the others were like 807 00:45:35.159 --> 00:45:39.000 fifty thirty five, twenty five. They're just very small. 808 00:45:39.159 --> 00:45:43.559 Okay, got it? Okay? And now why are you concerned 809 00:45:44.079 --> 00:45:44.679 if the check? 810 00:45:45.440 --> 00:45:48.039 First of all, you bought the truck, you paid it off. 811 00:45:48.440 --> 00:45:50.840 Why are you concerned that the check stopped? 812 00:45:51.719 --> 00:45:52.039 Okay? 813 00:45:52.039 --> 00:45:55.679 No, No, not concerned the check stopped. I received a letter 814 00:45:56.320 --> 00:46:00.760 on May seventh stating that on August thirty five, thirtieth, 815 00:46:00.800 --> 00:46:05.079 twenty twenty one, I was issued a cash your's check 816 00:46:05.760 --> 00:46:08.639 for some baby that's what was on what it was for? 817 00:46:09.440 --> 00:46:11.719 And it was never been cashed? Well, I never got 818 00:46:11.719 --> 00:46:12.280 the check. 819 00:46:12.199 --> 00:46:17.639 Okay, so Steve, Wells Fargo called you and said you 820 00:46:17.760 --> 00:46:18.960 never cashed the check. 821 00:46:19.639 --> 00:46:21.760 Well, last year I got a letter from the Unclaimed 822 00:46:21.800 --> 00:46:23.239 Property Department. 823 00:46:25.400 --> 00:46:29.239 And are you positive it is from Wells Fargo the letter? 824 00:46:29.519 --> 00:46:32.119 Oh absolutely. I spent an hour and a half at 825 00:46:32.119 --> 00:46:35.360 Wells Fargo yesterday trying to get this straightened out, and 826 00:46:35.440 --> 00:46:36.679 they they and how. 827 00:46:36.599 --> 00:46:37.519 Much is the check for? 828 00:46:38.639 --> 00:46:39.320 It was? Fact? 829 00:46:39.519 --> 00:46:40.119 How much is it? 830 00:46:40.239 --> 00:46:42.960 Four dollars and sixty two thirty one dollars and sixty 831 00:46:43.000 --> 00:46:44.440 two cents. 832 00:46:45.079 --> 00:46:47.760 That's what we're chasing right now. Thirty one bucks. 833 00:46:48.119 --> 00:46:54.480 Yes, So this whole thing you're going through is to 834 00:46:54.599 --> 00:46:56.920 get a check for thirty one dollars cashed. 835 00:46:58.079 --> 00:47:01.800 Well know, yeah, I mean I just I went to 836 00:47:01.840 --> 00:47:04.679 the bank and I explained something on this letter. 837 00:47:07.679 --> 00:47:12.039 What was it for? Why did Phil's Fargo? Why did 838 00:47:12.119 --> 00:47:14.079 they issue this thirty one dollar check? 839 00:47:15.000 --> 00:47:17.679 I have no idea again that is this issued four 840 00:47:17.760 --> 00:47:18.280 years ago. 841 00:47:19.719 --> 00:47:22.000 I don't mean I'm not making fun of you or anything, Seve, 842 00:47:22.400 --> 00:47:25.679 but how important is it that you get this thirty 843 00:47:25.719 --> 00:47:26.639 one dollars? 844 00:47:26.920 --> 00:47:30.679 Oh, it's not that important. It's just that I followed 845 00:47:30.679 --> 00:47:34.639 their rules. Okay, honestly, hey, I just go down, like 846 00:47:34.719 --> 00:47:37.039 the letter said, do what I need to do and 847 00:47:37.119 --> 00:47:38.960 get it. And that's when it turned into this hour 848 00:47:38.960 --> 00:47:40.039 and a half fiasco. 849 00:47:42.960 --> 00:47:44.920 And all you want to know is where did the 850 00:47:45.000 --> 00:47:45.519 check go? 851 00:47:46.559 --> 00:47:50.039 No, if I can read you something on this letter, 852 00:47:50.320 --> 00:47:55.360 it might help it. Go ahead, read it. Okay, there's 853 00:47:55.400 --> 00:47:57.159 a thing that says what you need to do? What 854 00:47:57.239 --> 00:47:59.320 do I need to do? The one that says is, 855 00:47:59.440 --> 00:48:03.199 you know on have the cashiers checking your possession, bring 856 00:48:03.199 --> 00:48:06.440 this letter to your nearest Wells Fargo branch to place 857 00:48:06.480 --> 00:48:09.039 the stop payment on the item and claim the funds. 858 00:48:10.320 --> 00:48:11.920 So that's all I did. I just drove down to 859 00:48:11.920 --> 00:48:13.719 the bank and figured out give them this letter and no, 860 00:48:13.880 --> 00:48:16.320 give me the funds and I'll be done. Well, now 861 00:48:16.320 --> 00:48:18.480 they're saying that they can't do what this letter. They 862 00:48:18.519 --> 00:48:21.039 cannot issue the funds even though the letter says they can, 863 00:48:21.159 --> 00:48:22.119 they won't do it. 864 00:48:24.719 --> 00:48:27.639 At Charles, And what reason do they What reason do 865 00:48:27.719 --> 00:48:30.480 they give that they can just give you the money? 866 00:48:30.519 --> 00:48:33.039 Said that they just they're not allowed to. Well, one 867 00:48:33.079 --> 00:48:34.760 of the things they said, they're not allowed to issue 868 00:48:34.760 --> 00:48:37.360 a cashiers check to anybody who does not have an 869 00:48:37.360 --> 00:48:43.679 account with them. 870 00:48:40.920 --> 00:48:43.320 And they what is the thirty for? 871 00:48:44.480 --> 00:48:47.719 I have no idea. It's just I say the check again. 872 00:48:47.760 --> 00:48:50.800 I got these regidual checks that were usually for maybe 873 00:48:50.800 --> 00:48:53.719 the class option. I don't know. I have no idea 874 00:48:53.719 --> 00:48:56.039 what this one was for because I never received it. 875 00:48:56.119 --> 00:48:58.320 So let me let me ask you this again. 876 00:48:58.519 --> 00:49:00.679 I mean, I don't mind helping you a little here, 877 00:49:00.719 --> 00:49:02.400 but it's thirty one dollars? 878 00:49:02.719 --> 00:49:07.159 How how if you just forgot about it? How would it. 879 00:49:07.159 --> 00:49:09.760 Change your life if you just said, you know what, 880 00:49:09.920 --> 00:49:11.280 this is not worth the hassle? 881 00:49:11.960 --> 00:49:15.000 Okay, you're just it's just kind of curious. 882 00:49:15.599 --> 00:49:15.760 Bo. 883 00:49:15.920 --> 00:49:18.199 Did I hear you chiming in or somebody? No? This 884 00:49:18.280 --> 00:49:22.079 is dollar Charles. Have you tried a dollar? Go ahead? 885 00:49:22.320 --> 00:49:22.480 Oh? 886 00:49:22.480 --> 00:49:25.039 I'm sorry, Steve, Have you tried checking with a great 887 00:49:25.039 --> 00:49:26.480 Colorado payback. 888 00:49:27.880 --> 00:49:29.920 Chack? That was going to be my next thing, but 889 00:49:30.000 --> 00:49:33.639 apparently I have till June twenty. First you get to 890 00:49:33.719 --> 00:49:37.519 settled through Wells Fargo. Then they said it'll be translated 891 00:49:37.559 --> 00:49:41.920 to state known as achievement. If I'm pronouncing that right's. 892 00:49:41.599 --> 00:49:47.599 Corrects cheap cheap funds. In fact, yes, I think that 893 00:49:47.679 --> 00:49:49.000 would be easier to deal with. 894 00:49:49.400 --> 00:49:52.559 It's easier to deal with the escheat Funds than it 895 00:49:52.639 --> 00:49:55.800 is the bank. Once it goes to the state Treasurer 896 00:49:56.679 --> 00:50:00.400 as an unclaimed fund, you can do it all online. 897 00:50:00.840 --> 00:50:04.079 They're very easy to deal with. I would let it 898 00:50:04.159 --> 00:50:04.519 go to. 899 00:50:04.519 --> 00:50:07.679 The Eschiet Funds because here's what they're doing right now. 900 00:50:08.000 --> 00:50:10.679 They don't know where the check is and they're going 901 00:50:10.760 --> 00:50:11.920 to stop payment on it. 902 00:50:13.440 --> 00:50:14.039 But they're going to. 903 00:50:14.159 --> 00:50:15.880 But I don't know why they don't just do it 904 00:50:15.920 --> 00:50:18.719 for you. I really don't seeve I who knows what 905 00:50:18.800 --> 00:50:21.000 the hell I tell them? 906 00:50:21.039 --> 00:50:23.480 I hate to use the old ciche. It's the principle 907 00:50:23.480 --> 00:50:26.039 of a thing that you know I did. I followed 908 00:50:26.079 --> 00:50:29.239 their their rules, their laws, their policy, whatever you want 909 00:50:29.239 --> 00:50:31.599 to call it, to the letter, and they're refusing to 910 00:50:31.760 --> 00:50:35.039 honor it. So that's a big thing. 911 00:50:35.159 --> 00:50:35.519 Yeah, I know. 912 00:50:37.239 --> 00:50:40.519 I would like if you could, could you give us 913 00:50:40.519 --> 00:50:44.840 a copy of that letter that says, if you don't 914 00:50:44.880 --> 00:50:48.119 have it, take this letter to a nearby bank. 915 00:50:48.280 --> 00:50:49.239 Do you have that letter? 916 00:50:50.039 --> 00:50:52.880 Yeah? I took them. I took it on my cell phone, 917 00:50:52.920 --> 00:50:58.519 so but they're eligible. I'm tay readable. So uh where 918 00:50:58.519 --> 00:51:00.000 do I where do I want me to sound? 919 00:51:00.840 --> 00:51:03.639 I'm gonna put you on hold and tell you and 920 00:51:03.760 --> 00:51:07.079 Deputy Dollar Dollar, I'd like you to call the bank 921 00:51:07.159 --> 00:51:09.880 and simply ask them why won't they honor it? 922 00:51:10.800 --> 00:51:14.599 Yeah, okay, it's their check. It makes no sense at all. 923 00:51:14.639 --> 00:51:17.519 There's I mean, it's ridiculous and this guy is running 924 00:51:17.519 --> 00:51:20.320 around for thirty one bucks. Hold on, bro, I gotta 925 00:51:20.360 --> 00:51:23.079 take a break, all right? Three oh three seven to 926 00:51:23.119 --> 00:51:26.440 one three talk seven one three eight two five five. 927 00:51:26.719 --> 00:51:28.800 You heard me talk about fix at twenty four to seven. 928 00:51:28.880 --> 00:51:32.320 And there's a reason they're into preventive care. That's what 929 00:51:32.360 --> 00:51:34.119 they do for thirty nine bucks. 930 00:51:34.199 --> 00:51:39.199 Get your ac deep cleaned of debris and dirt, the 931 00:51:39.280 --> 00:51:42.400 number one killer of aces, and they'll make sure there's 932 00:51:42.400 --> 00:51:45.760 a no breakdown guarantee through the entire cooling season. Now 933 00:51:45.800 --> 00:51:49.000 they dismantle this ac and clean each and every crack 934 00:51:49.039 --> 00:51:51.880 and crevice. That's fix At twenty four to seven. Now 935 00:51:51.920 --> 00:51:55.079 you can also have a sumpump done for forty nine bucks. 936 00:51:55.280 --> 00:51:57.480 So it's fixmihome dot com book. 937 00:51:57.559 --> 00:52:06.559 Now go with a sure thing Denver's best rufer excel 938 00:52:06.639 --> 00:52:07.679 Roofing dot com. 939 00:52:07.719 --> 00:52:09.719 You don't pay a cent until you're content. 940 00:52:13.119 --> 00:52:14.280 Time for an insurance check. 941 00:52:14.360 --> 00:52:18.360 Up free no obligation comparison call Compass insurance paying too 942 00:52:18.440 --> 00:52:21.519 much your coverage at dozens of insurance companies find out 943 00:52:21.519 --> 00:52:24.079 now three oh three seven seven to one help. You'll 944 00:52:24.079 --> 00:52:26.840 think you're his only customer when you choose Frank durand 945 00:52:26.840 --> 00:52:29.320 the real estate Man dot com to list your home 946 00:52:29.519 --> 00:52:32.639 with Remax Alliance three oh three nine two zero sixteen 947 00:52:32.719 --> 00:52:43.559 twenty two. Hi Tom Rchino, you're troubleshooter three O three 948 00:52:43.599 --> 00:52:46.360 seven one three talk seven one three eight two five five. 949 00:52:49.280 --> 00:52:52.599 So what are we gonna do? Kevin Callkin is with. 950 00:52:52.599 --> 00:52:57.679 Us, our auto expert at Shardanauto tech dot com. Kevin, 951 00:52:58.119 --> 00:53:04.519 she had a radio Trisha installed at car Toys. It's 952 00:53:04.559 --> 00:53:08.800 a new radio. I assume it was replacing one, right. 953 00:53:08.639 --> 00:53:11.519 Tricia, That's correct, ye. 954 00:53:13.519 --> 00:53:19.519 And she's driving home after installation and her hood pops 955 00:53:19.559 --> 00:53:24.480 open on the highway within fifteen minutes. That sounds like 956 00:53:24.519 --> 00:53:28.280 too much of a coincidence, but they tell her, Tricia, 957 00:53:28.559 --> 00:53:32.559 we never opened your hood or touched your hood to 958 00:53:32.679 --> 00:53:35.960 install the radio. And I'd like to know from you 959 00:53:36.079 --> 00:53:38.079 is that would that be normal? 960 00:53:39.800 --> 00:53:39.960 Now? 961 00:53:40.000 --> 00:53:42.199 Because typically you're going to access the battery or some 962 00:53:42.320 --> 00:53:45.679 sort of a power source and fuses or something depending 963 00:53:45.679 --> 00:53:46.159 on the car. 964 00:53:46.239 --> 00:53:49.480 But yeah, no, I disagree. I think they definitely have 965 00:53:49.559 --> 00:53:50.079 the hood open. 966 00:53:50.280 --> 00:53:58.920 Yes, uh huh, so, Tricia, he's on your side. Okay, 967 00:53:59.400 --> 00:54:01.599 that's going to be good. That's gonna be good for 968 00:54:01.679 --> 00:54:04.599 small claims court. If you go to small claims court, 969 00:54:06.239 --> 00:54:09.679 you're gonna have to make the case that they had 970 00:54:09.719 --> 00:54:12.440 the hood open. They never closed it. You never had 971 00:54:12.440 --> 00:54:16.800 a problem with your hood before. But I mean, that's 972 00:54:16.840 --> 00:54:20.039 all you can do. And they're gonna deny it. And 973 00:54:20.199 --> 00:54:23.639 they say they have videotape, Kevin, They say they have 974 00:54:23.760 --> 00:54:25.480 tape of it closed the whole time. 975 00:54:26.119 --> 00:54:31.519 Okay, Well, I'd like to know they had to apply 976 00:54:31.639 --> 00:54:32.599 power from somewhere. 977 00:54:34.000 --> 00:54:37.079 Can't they tap into the existing Okay, if there's a 978 00:54:37.119 --> 00:54:40.480 fuse panel in the cabin, can't they access the fuse 979 00:54:40.519 --> 00:54:42.159 panel without going to the battery. 980 00:54:43.119 --> 00:54:45.400 Yeah, most of the fuse panels are under the hood anymore. 981 00:54:45.440 --> 00:54:55.119 Though, what year is this car, Trish? 982 00:54:55.239 --> 00:54:57.360 It may not be. Yeah, it's an older one. 983 00:54:58.960 --> 00:55:01.519 So it might be in the in the what you know, what, 984 00:55:01.920 --> 00:55:05.719 can you drive your car, Trish? 985 00:55:05.760 --> 00:55:08.760 I can, but I cannot take highways or any like 986 00:55:09.440 --> 00:55:11.400 roads that go over fifty miles an hour. 987 00:55:12.800 --> 00:55:13.960 What part of town are you in? 988 00:55:16.440 --> 00:55:19.400 I mean edge Water by Flown's Lake, but I actually work. 989 00:55:19.239 --> 00:55:22.239 In Littleton, Okay. 990 00:55:23.280 --> 00:55:25.920 I wonder if you could drive by one day to 991 00:55:26.000 --> 00:55:30.440 share it in auto tech and simply have them eyeball 992 00:55:30.480 --> 00:55:33.559 it and they can tell in a heartbeat whether or 993 00:55:33.639 --> 00:55:37.119 not they had to up in the hood. Sure they 994 00:55:37.480 --> 00:55:39.440 they can tell by looking at it. It will only 995 00:55:39.480 --> 00:55:45.280 take a few minutes. So I'll have Katschina hook you 996 00:55:45.400 --> 00:55:49.079 up with Shardan Auto Tech for a quick, free inspection. 997 00:55:49.760 --> 00:55:53.000 And that's Shardan Auto Tech dot com three oh three, 998 00:55:53.679 --> 00:55:57.039 four five, five seventy two forty two. I think that's 999 00:55:57.079 --> 00:56:00.280 the best thing we can do at this point, Kevin. 1000 00:56:01.079 --> 00:56:04.119 Do people disconnect batteries when they work on electrical or 1001 00:56:04.159 --> 00:56:04.800 not anymore? 1002 00:56:05.320 --> 00:56:06.199 A lot? You should? 1003 00:56:06.360 --> 00:56:08.079 I mean you should when you're doing that, because you 1004 00:56:08.119 --> 00:56:10.360 can have volta spikes of all kinds when you have 1005 00:56:10.440 --> 00:56:13.599 wires accessed and everything else. So that's the first thing 1006 00:56:13.639 --> 00:56:15.960 we do, is to disconnect the battery. 1007 00:56:16.679 --> 00:56:20.519 Really, and do you just connect the negative or the positive? Oh? 1008 00:56:20.599 --> 00:56:20.960 Either one? 1009 00:56:21.039 --> 00:56:21.719 Whatever is? It is? 1010 00:56:21.760 --> 00:56:25.039 Typically the negative, you know, just so we don't, okay. 1011 00:56:24.880 --> 00:56:25.519 Leave the circuit. 1012 00:56:25.800 --> 00:56:34.880 Yeah, okay, So Chris, he's on He's on Colfax west 1013 00:56:34.880 --> 00:56:39.119 of Wadsworth and you'll find it easily if you go 1014 00:56:39.159 --> 00:56:41.000 to share it in autotech dot com. 1015 00:56:41.480 --> 00:56:44.000 Thank you, Kevin. I think more and more people. 1016 00:56:44.079 --> 00:56:46.960 I mean, first of all, it's very easy. You're working 1017 00:56:47.039 --> 00:56:49.440 under the hood. You close it, it doesn't really latch, 1018 00:56:49.880 --> 00:56:52.559 and then those safety latches are supposed to hold it. 1019 00:56:52.800 --> 00:56:56.119 But if you get highway winds underneath that, there's the 1020 00:56:56.199 --> 00:56:58.280 possibility you're going to blow it open, right keV. 1021 00:56:59.000 --> 00:57:02.679 Sure, absolutely, and things happen. I mean, people make mistakes. 1022 00:57:02.719 --> 00:57:05.880 It's not uncommon and not unheard of us. So yeah, absolutely. 1023 00:57:07.199 --> 00:57:09.480 But they were quick to say they had a videotape. 1024 00:57:09.480 --> 00:57:14.280 I'd love to see it I had. Yeah, So thanks keV. 1025 00:57:14.559 --> 00:57:17.079 Let's do that first church before we do anything else. 1026 00:57:17.400 --> 00:57:19.760 Let's let Kevin take a look at it, see what 1027 00:57:19.840 --> 00:57:23.039 he says, and then we'll contact car toys for you 1028 00:57:23.360 --> 00:57:25.880 before you go to small claims court. I think you're 1029 00:57:25.880 --> 00:57:28.519 gonna win, though, as I said, there's no such thing 1030 00:57:28.519 --> 00:57:32.360 as coincidences. Three oh three seven to one three talk 1031 00:57:32.800 --> 00:57:34.880 seven one three eight two five five. 1032 00:57:35.239 --> 00:57:36.480 We have open lines. 1033 00:57:36.199 --> 00:57:39.000 You can call about any problem, question or complaint and 1034 00:57:39.679 --> 00:57:43.880 renew Home Innovations is here to put in walk in 1035 00:57:44.119 --> 00:57:48.000 showers with Sheep porcelain. The reason I mentioned that they 1036 00:57:48.000 --> 00:57:51.480 can do other solid surfaces, but sheep porcelain is the 1037 00:57:51.519 --> 00:57:54.760 most beautiful product and what I love about it is 1038 00:57:54.800 --> 00:57:56.840 they can do it in two or three days. You 1039 00:57:56.840 --> 00:58:00.960 have a beautiful customized walk in shower, perimeter drains, no 1040 00:58:01.119 --> 00:58:05.960 shower doors, benches, grab bars, everything you need, and you 1041 00:58:06.079 --> 00:58:10.000 have years to pay on certain repayment options. Renew home 1042 00:58:10.039 --> 00:58:14.079 Innovations dot com three oh three nine zero four two thousand. 1043 00:58:19.559 --> 00:58:22.800 Go with a sure thing Denver's best roofer Excel Roofing 1044 00:58:22.920 --> 00:58:23.480 dot com. 1045 00:58:23.519 --> 00:58:25.559 You don't pay a cent until you're content. 1046 00:58:28.920 --> 00:58:32.119 Time for an insurance check up free no obligation comparison 1047 00:58:32.239 --> 00:58:35.800 call Compass Insurance paying too much your coverage at dozens 1048 00:58:35.800 --> 00:58:38.559 of insurance companies find out now three all three seven 1049 00:58:38.559 --> 00:58:40.920 to seven to one help. You'll think you're his only 1050 00:58:41.000 --> 00:58:43.480 customer when you choose Frank durand the real estate Man 1051 00:58:43.519 --> 00:58:46.920 dot com to list your home with Remax Alliance three 1052 00:58:47.000 --> 00:58:49.559 all three nine two zero sixteen twenty two. 1053 00:58:52.079 --> 00:58:55.159 Hi Tom Martino here three oh three seven one three 1054 00:58:55.199 --> 00:58:58.639 talks seven one three two five five Hey Steve is 1055 00:58:58.679 --> 00:58:59.559 with a Steve Moss. 1056 00:58:59.559 --> 00:59:02.079 He's the one I wrote our theme song. He also 1057 00:59:02.119 --> 00:59:04.000 writes a lot of jingles around town. He's in the 1058 00:59:04.039 --> 00:59:04.800 media business. 1059 00:59:05.239 --> 00:59:10.519 He also has a brewery. You know, he's a micro brewer. 1060 00:59:10.559 --> 00:59:13.639 I think they call it where you know, small batches, 1061 00:59:14.199 --> 00:59:17.400 and his beer is getting very popular. You know, Steve, 1062 00:59:18.320 --> 00:59:20.920 at what point do you no longer become a micro brewer? 1063 00:59:20.960 --> 00:59:22.920 How many what do you have to produce to be 1064 00:59:22.960 --> 00:59:23.840 a regular brewer. 1065 00:59:25.840 --> 00:59:30.360 That's I think just a common term. Micro brewery actually 1066 00:59:30.400 --> 00:59:33.920 refers to when you just distribute. A brew pub would 1067 00:59:33.920 --> 00:59:36.280 be more of where somebody comes there and drives your 1068 00:59:36.280 --> 00:59:38.880 beer and they have a you know, a casting room. 1069 00:59:39.159 --> 00:59:43.000 We have a chasting license, so ours is in a 1070 00:59:43.000 --> 00:59:45.679 beer garden. You're not allowed to go in the building, 1071 00:59:45.679 --> 00:59:49.119 but you can see the brewery. It's not compliant yet, 1072 00:59:49.480 --> 00:59:52.719 but it's it's really really nice. Actually it's turning out 1073 00:59:52.840 --> 00:59:55.599 super good. This will be our fourth weekend coming up 1074 00:59:55.920 --> 01:00:00.039 and we're doing beer bags and barbecue. 1075 01:00:00.079 --> 01:00:04.000 And you go go to Rockyear, what beer bags? 1076 01:00:04.320 --> 01:00:08.519 It's beer bags and barbecue, corn hole tournament. 1077 01:00:09.800 --> 01:00:11.960 So it's okay, I'm giving away. 1078 01:00:12.199 --> 01:00:14.519 You're not gonna believe what I'm giving away because I 1079 01:00:14.559 --> 01:00:16.840 want to get people to come here that we've been 1080 01:00:16.880 --> 01:00:21.079 having a return customers. It's a cornwall tournament and it's 1081 01:00:21.079 --> 01:00:23.039 going to be just fun. It's not like you know, 1082 01:00:23.159 --> 01:00:25.599 serious where people are coming here. But you can win 1083 01:00:25.719 --> 01:00:28.559 five hundred dollars. If we sell out, we'll have enough 1084 01:00:28.559 --> 01:00:31.159 prize money for the first first place to be five 1085 01:00:31.239 --> 01:00:35.760 hundred dollars and third place would be one hundred dollars, 1086 01:00:35.800 --> 01:00:38.960 second place to be two hundred dollars. But I'm going 1087 01:00:39.039 --> 01:00:45.079 to offer something for your audience only if they register 1088 01:00:45.199 --> 01:00:49.440 for this on rocknroll Dot Beer and go to the 1089 01:00:49.599 --> 01:00:52.599 you know, register for the seventy five dollars, but you 1090 01:00:52.719 --> 01:00:55.599 get the seventy five dollars, You get admission to the tournament, 1091 01:00:56.079 --> 01:01:00.320 You get Famous Stays catered barbecue, a complete meal, not 1092 01:01:00.440 --> 01:01:05.440 just a sandwich, and you get a VIP NASCAR ticket 1093 01:01:05.480 --> 01:01:07.079 to Colorado National Steaedway. 1094 01:01:07.679 --> 01:01:08.920 Plus you get a free beer. 1095 01:01:09.360 --> 01:01:14.800 And with your audience, if the next five people that register, 1096 01:01:16.599 --> 01:01:19.159 I will also give them a Rock and Roll bery hat, 1097 01:01:19.639 --> 01:01:21.679 really nice embroidered. 1098 01:01:21.280 --> 01:01:22.920 Hat with our logo on the hat. 1099 01:01:24.840 --> 01:01:28.000 Now, and that's what is a beer for those of us. 1100 01:01:29.480 --> 01:01:32.719 For those of us that are not hip. What is 1101 01:01:32.760 --> 01:01:33.719 a beer garden? 1102 01:01:36.239 --> 01:01:39.679 It's basically, it's really really nice. We have seating for everyone, 1103 01:01:40.119 --> 01:01:42.920 really nice umbrellas. When it gets stark, we have a 1104 01:01:43.039 --> 01:01:45.480 you know, lighting for it and everything. But it's it's 1105 01:01:45.599 --> 01:01:49.119 really a nice area. We have corner hole games obviously, 1106 01:01:49.599 --> 01:01:53.519 we have other games that you know, you can play, 1107 01:01:54.000 --> 01:02:00.119 and it's just a really nice enclosed privacy fence a 1108 01:02:00.199 --> 01:02:03.400 brewery situation. We have Harley's on display. 1109 01:02:03.760 --> 01:02:03.920 Man. 1110 01:02:03.960 --> 01:02:06.119 It's just it's really cool. You have to kind of 1111 01:02:06.119 --> 01:02:09.440 come here to see how cool it is. With sixteen beers, 1112 01:02:10.039 --> 01:02:13.079 craft beers to choose from. I mean that's unheard of 1113 01:02:13.199 --> 01:02:15.599 for a small brewery. We're only a seven barrel brewery. 1114 01:02:16.440 --> 01:02:20.440 We have sixteen beers, anything from blacks to stout, you know, 1115 01:02:20.519 --> 01:02:26.360 chocolate stout to you know, laggers, pilsners, flavored beers like 1116 01:02:26.480 --> 01:02:33.320 mango beer, lemon, wheat, blood orange, we have some with 1117 01:02:33.480 --> 01:02:37.840 plumb in it. We have you know, it's nothing but 1118 01:02:37.920 --> 01:02:38.960 good reviews. 1119 01:02:39.400 --> 01:02:43.159 When people come here, they and how do people find 1120 01:02:43.199 --> 01:02:43.679 out more? 1121 01:02:46.239 --> 01:02:50.320 Rock and roll dot Beer dot com rock and Roll 1122 01:02:50.400 --> 01:02:53.320 dot Beer. Go to the appointment page and you can 1123 01:02:53.920 --> 01:02:56.000 make an appointment of beer Garden. You don't have to 1124 01:02:56.039 --> 01:02:58.800 make an apployment, but it's wise to do that. 1125 01:02:58.840 --> 01:02:59.920 We have a limited space. 1126 01:03:00.360 --> 01:03:04.760 But join the tournament. Just go to the appointment page 1127 01:03:04.840 --> 01:03:08.320 or actually the homepage. It'll point you right to joining 1128 01:03:08.719 --> 01:03:12.239 and seventy five dollars gets you about seventy five dollars 1129 01:03:12.239 --> 01:03:16.639 worth of stuff, plus you have a fun day of 1130 01:03:17.480 --> 01:03:19.199 born Hall and he can win some money. 1131 01:03:20.719 --> 01:03:23.400 Hey didn't Mark and Sussan drop in on your garden? 1132 01:03:26.119 --> 01:03:30.400 Yeah? Mark, What did you say, Tom? 1133 01:03:30.480 --> 01:03:32.760 Yeah didn't they? I thought I thought he did a 1134 01:03:32.840 --> 01:03:34.159 YouTube video from there. 1135 01:03:35.000 --> 01:03:35.679 Yes he did. 1136 01:03:36.000 --> 01:03:38.440 They went there and they tried, you know, some different 1137 01:03:38.480 --> 01:03:40.559 various They love them, and they. 1138 01:03:40.559 --> 01:03:41.639 Go to a lot of brewery's. 1139 01:03:41.880 --> 01:03:43.639 But I'm going to tell you I have people coming 1140 01:03:43.719 --> 01:03:48.519 here from brewing associations from very far away in Colorado 1141 01:03:48.960 --> 01:03:53.880 across the you know, in Grand Junction, Colorado Springs, Pueblo, 1142 01:03:54.679 --> 01:03:57.519 way up north, and you know, they get into this 1143 01:03:57.599 --> 01:03:59.920 and they always want to try a different bury. It's 1144 01:04:00.199 --> 01:04:03.760 nothing but good reviews. I've been doing it since nineteen Steve, 1145 01:04:04.360 --> 01:04:06.000 I mean, so, Steve, do they. 1146 01:04:05.920 --> 01:04:09.119 Have national contests where you can enter your beers? 1147 01:04:10.400 --> 01:04:12.719 They do. I just don't get in the pat anymore, 1148 01:04:12.760 --> 01:04:14.440 you know, The only thing I care about is what 1149 01:04:14.480 --> 01:04:18.159 my customers like. That's what I like, you know, I mean, 1150 01:04:18.199 --> 01:04:20.880 I used to do that stuff. I do have many 1151 01:04:20.920 --> 01:04:24.679 awards dating back to the eighties and nineties. I'm written 1152 01:04:24.760 --> 01:04:29.400 up in Michael Jackson's book Touring the United States. He's 1153 01:04:29.480 --> 01:04:34.320 a beer expert from England, and you. 1154 01:04:34.280 --> 01:04:39.719 Know, so I have a pretty good history here, all right. 1155 01:04:39.599 --> 01:04:44.719 Steve Moss rockn Roll dot Beer. He's also a pretty 1156 01:04:44.719 --> 01:04:49.719 fun composer. People have heard his jingles and they're all 1157 01:04:49.760 --> 01:04:53.800 over the radio and TV stations. So Steve, we really 1158 01:04:53.840 --> 01:04:56.679 appreciate it. And I'm going to drop in one day, 1159 01:04:57.000 --> 01:05:00.679 and I want to make that literally drop in when 1160 01:05:00.679 --> 01:05:03.239 I can. I'm gonna get back on my feet, have 1161 01:05:04.039 --> 01:05:06.679 helicopter good. 1162 01:05:08.280 --> 01:05:08.880 On my feet. 1163 01:05:10.480 --> 01:05:14.480 I got to earn my medical back after this hillacious surgery, 1164 01:05:14.800 --> 01:05:18.920 and I will absolutely drop in. So thank you very much, Steve, 1165 01:05:18.960 --> 01:05:22.519 appreciate it. Three oh three seven one three talk three 1166 01:05:22.559 --> 01:05:26.039 o three seven one three eight two five five. I 1167 01:05:26.079 --> 01:05:29.000 think of some flavors you'd like to see. He's got 1168 01:05:29.039 --> 01:05:31.519 all kinds of weird flavors. I wonder if he's ever 1169 01:05:31.559 --> 01:05:35.239 done watermelon beer. Hey, Steve, have you ever done a 1170 01:05:35.280 --> 01:05:37.119 watermelon base. Oh did he hang out? 1171 01:05:37.159 --> 01:05:40.639 Did he leave? If he did, I'm wondering what durn 1172 01:05:40.800 --> 01:05:44.559 she does a lot of really interesting flavors. I'm wondering 1173 01:05:44.639 --> 01:05:47.440 if anyone's like I'm Tom Martinez. We have more coming 1174 01:05:47.519 --> 01:05:48.760 up on the Troubleshooter Show. 1175 01:05:52.119 --> 01:05:55.360 Go with a sure Thing Denver's Best Roofer Excel Roofing 1176 01:05:55.480 --> 01:05:56.039 dot com. 1177 01:05:56.079 --> 01:05:58.079 You don't pay a cent until you're content. 1178 01:06:01.480 --> 01:06:04.679 Time for an insurance check up free, no obligation comparison 1179 01:06:04.800 --> 01:06:08.360 call Compass Insurance paying too much your coverage at dozens 1180 01:06:08.400 --> 01:06:11.119 of insurance companies find out now three oh three seven 1181 01:06:11.239 --> 01:06:14.039 seven to one help. You'll think you're his only customer 1182 01:06:14.079 --> 01:06:16.320 when you choose Frank durand the real estate Man dot 1183 01:06:16.360 --> 01:06:19.679 com to list your home with Remax Alliance three oh 1184 01:06:19.719 --> 01:06:21.599 three nine two zero sixteen twenty two. 1185 01:06:22.559 --> 01:06:27.800 Yeah, Ritt. 1186 01:06:29.519 --> 01:06:36.440 News. So you don't have come run anxious as fast 1187 01:06:36.519 --> 01:06:37.239 as you can. 1188 01:06:38.480 --> 01:06:39.800 Shooter's gonna help. 1189 01:06:40.039 --> 01:06:42.840 Come man, This is. 1190 01:06:42.800 --> 01:06:44.639 The Troubleshooter Show. 1191 01:06:44.760 --> 01:06:50.320 Now, Tom Martino, Hi, Tom Martino here, this is the 1192 01:06:50.360 --> 01:06:54.639 Troubleshooter Show. Thank you for being here, solving problems, answering questions, 1193 01:06:54.719 --> 01:06:57.679 taking complaints, and making your life a little easier. That's 1194 01:06:57.679 --> 01:07:01.039 what we do here and we'll we'll continue to do 1195 01:07:01.119 --> 01:07:02.880 so all you have to do is give us a 1196 01:07:02.880 --> 01:07:05.800 call three oh three seven one three talk three oh 1197 01:07:05.840 --> 01:07:09.840 three seven one three eight two five five. I have 1198 01:07:09.920 --> 01:07:14.039 some interesting text messages people are talking about and they 1199 01:07:14.079 --> 01:07:17.360 want to know about buying American. They say that they 1200 01:07:17.440 --> 01:07:22.800 see nothing cheaper about buying American and nothing to incentivize them, 1201 01:07:22.880 --> 01:07:26.800 and they go buy the individual product, not by where 1202 01:07:26.800 --> 01:07:30.880 it's purchased. They don't use their dollars to vote politically. 1203 01:07:31.400 --> 01:07:34.719 When it comes to that, some people go so far 1204 01:07:34.800 --> 01:07:38.000 as to seek out American goods, but very few of 1205 01:07:38.039 --> 01:07:44.239 them do. Very few people actually seek out American goods. 1206 01:07:44.920 --> 01:07:50.159 So what do you do? Do you buy American on purpose? 1207 01:07:50.599 --> 01:07:53.559 Do you go out? If you had two products side 1208 01:07:53.559 --> 01:07:57.119 by side, would you pick the one made in America? 1209 01:07:57.360 --> 01:08:02.039 Is that a motivation to you? Because in recent surveys, 1210 01:08:02.559 --> 01:08:05.719 there's been a study on what people do and. 1211 01:08:05.960 --> 01:08:08.159 How they buy and why they buy. 1212 01:08:08.400 --> 01:08:13.039 And much of it has to do with the reason 1213 01:08:13.119 --> 01:08:18.199 behind it. For example, buying American is hardly ever done. 1214 01:08:18.239 --> 01:08:21.840 According to the survey, people do not buy American for 1215 01:08:22.239 --> 01:08:28.239 environmental benefits. They don't now that doesn't mean there are 1216 01:08:28.319 --> 01:08:32.159 no benefits. That doesn't mean that. It just means when 1217 01:08:32.199 --> 01:08:36.520 people go to buy American, what is their biggest motivation. 1218 01:08:37.159 --> 01:08:42.119 It's supporting American jobs. That's the number one reason people 1219 01:08:42.199 --> 01:08:47.079 buy American. The second reason people buy American is to 1220 01:08:47.119 --> 01:08:52.560 strengthen the US economy. And when we say buy American, 1221 01:08:52.640 --> 01:08:56.680 we're talking about things assembled final assembly in America or 1222 01:08:57.520 --> 01:09:02.159 made in whole in America. The other reason is higher 1223 01:09:02.199 --> 01:09:07.359 product quality. So the top three reasons people buy supporting 1224 01:09:07.399 --> 01:09:14.520 American jobs, strengthening the US economy, or higher product quality. 1225 01:09:14.600 --> 01:09:18.920 The last reason people buy American is for the environmental impact, 1226 01:09:19.359 --> 01:09:22.520 and national security is pretty low as well. 1227 01:09:22.920 --> 01:09:27.640 No one believes that you have national security improvement simply 1228 01:09:27.680 --> 01:09:30.840 for buying American. Again, it's up to you what you 1229 01:09:30.920 --> 01:09:31.960 buy and how you buy. 1230 01:09:32.439 --> 01:09:37.760 But I'm all for people buying the best product, and 1231 01:09:37.800 --> 01:09:43.039 I don't necessarily I don't necessarily track with those who 1232 01:09:43.079 --> 01:09:45.600 blindly buy American. 1233 01:09:46.640 --> 01:09:50.119 But again that's up to you. I have some texts 1234 01:09:50.119 --> 01:09:50.840 that say. 1235 01:09:51.079 --> 01:09:55.880 That they find foreign made goods all the time of 1236 01:09:55.920 --> 01:09:56.760 better quality. 1237 01:09:57.279 --> 01:10:00.880 I would say that that's not true. 1238 01:10:01.239 --> 01:10:05.359 I have seen many many products come and go, and 1239 01:10:06.720 --> 01:10:11.920 man Chinese products suck. If it's made in China, there's 1240 01:10:11.960 --> 01:10:15.439 a really good chance it sucks. And I'm telling you 1241 01:10:15.520 --> 01:10:20.720 I tried to give Chinese made products a chance one 1242 01:10:20.800 --> 01:10:21.720 time years ago. 1243 01:10:22.159 --> 01:10:24.119 God did this put a bad taste in my mouth. 1244 01:10:24.600 --> 01:10:25.119 I bought. 1245 01:10:25.199 --> 01:10:28.560 I was at the stock show, the National Western Stock Show, 1246 01:10:28.600 --> 01:10:33.960 looking at tractors, small to medium tractors, not large. They 1247 01:10:34.000 --> 01:10:36.600 were pretty large, but not like the you know, the big, 1248 01:10:37.039 --> 01:10:39.319 the big farms and ranches. We had a small horse 1249 01:10:39.359 --> 01:10:45.560 operation and I'm looking at you know, John Deere. They're wonderful, Ford, Koboda, 1250 01:10:46.039 --> 01:10:51.600 different kinds of tractors, and Massey Ferguson was just starting 1251 01:10:51.600 --> 01:10:56.079 to a resurgence again. And then I saw this Chinese tractor. 1252 01:10:56.439 --> 01:11:00.439 I don't even remember the damn name, but it looked 1253 01:11:00.560 --> 01:11:05.079 nice and it was way less expensive, so I bought it. 1254 01:11:05.079 --> 01:11:07.520 It was the worst purchase I think I have ever made, 1255 01:11:08.119 --> 01:11:11.439 the worst purchase. You couldn't get parts for it, it 1256 01:11:12.279 --> 01:11:17.279 broke down, it wasn't heavy duty enough. But man, did 1257 01:11:17.319 --> 01:11:22.000 it give a good impression for pricing. And again, if 1258 01:11:22.039 --> 01:11:25.159 you go by pricing alone, you might get stung. But 1259 01:11:25.359 --> 01:11:30.359 I personally avoid Chinese products, and I really do. 1260 01:11:30.560 --> 01:11:35.159 I will not buy a product from China. Now I 1261 01:11:35.159 --> 01:11:35.840 shouldn't say that. 1262 01:11:35.880 --> 01:11:38.359 I mean there might be some plastic goods or certain 1263 01:11:38.399 --> 01:11:40.960 things I buy that might have been made in China. 1264 01:11:41.239 --> 01:11:44.880 I'm talking about anything technical or anything mechanical. 1265 01:11:45.399 --> 01:11:47.079 I do not buy Chinese. 1266 01:11:47.560 --> 01:11:51.680 There is just, in my opinion, there are inherent weaknesses. 1267 01:11:52.279 --> 01:11:55.039 Somebody says, here, I buy made in USA as often 1268 01:11:55.079 --> 01:12:00.479 as possible, but our quality has taken a dive after 1269 01:12:00.600 --> 01:12:06.239 forty five years of drying of driving American forward. I'm 1270 01:12:06.279 --> 01:12:10.039 in a process of purchasing a Toyota because of the 1271 01:12:10.079 --> 01:12:14.600 exceptional quality. Now Japanese cars, I will have to agree 1272 01:12:14.800 --> 01:12:18.319 they have superior quality a lot of those Japanese Toyota 1273 01:12:18.359 --> 01:12:20.520 cars that are made in America. 1274 01:12:20.279 --> 01:12:21.399 Depending on the vehicle. 1275 01:12:22.439 --> 01:12:30.079 Somebody else says, Tom, what about technology, I think Americans 1276 01:12:30.079 --> 01:12:31.359 have the best technology. 1277 01:12:31.680 --> 01:12:32.720 That's my own opinion. 1278 01:12:33.079 --> 01:12:38.119 Now I've purchased foreign made goods, probably through American technology companies, 1279 01:12:38.520 --> 01:12:43.239 but when it comes to technology, I think American products 1280 01:12:44.600 --> 01:12:46.479 are the best, or American companies. 1281 01:12:46.520 --> 01:12:47.680 I should say. 1282 01:12:48.039 --> 01:12:52.119 One thing that this texture says they're frustrated with is 1283 01:12:52.159 --> 01:12:56.520 they wish they could have American customer support. A lot 1284 01:12:56.560 --> 01:13:02.039 of customer support is offshore now I'll tell you I 1285 01:13:02.079 --> 01:13:08.159 get very very very frustrated, very frustrated with customer support, 1286 01:13:09.000 --> 01:13:11.840 and I'm going to admit this. I have an automatic, 1287 01:13:13.119 --> 01:13:17.800 uh what is it? An automatic prejudice when I hear 1288 01:13:17.880 --> 01:13:21.520 someone who's speaking and broken English or an accent for 1289 01:13:21.600 --> 01:13:25.880 customer service, and I have a complicated issue because you know, 1290 01:13:25.920 --> 01:13:29.960 I never call customer support for minor issues, so it's 1291 01:13:30.039 --> 01:13:34.520 always something weird, always, and to try to explain it 1292 01:13:34.560 --> 01:13:39.000 to someone that doesn't speak English gives me I'm not 1293 01:13:39.039 --> 01:13:41.600 saying this is true, I'm saying it gives me a 1294 01:13:41.640 --> 01:13:44.800 feeling they're not understanding it. So I try to break 1295 01:13:44.880 --> 01:13:48.039 it down very very basically and very easy, and then 1296 01:13:48.079 --> 01:13:50.560 that gives them the impression. I don't know what I'm 1297 01:13:50.600 --> 01:13:56.039 talking about, but I've had conversations that are really almost 1298 01:13:56.119 --> 01:13:59.359 comical with people on the other end of the phone 1299 01:13:59.760 --> 01:14:02.560 who don't you just can. 1300 01:14:02.479 --> 01:14:04.119 Swear to God they don't understand you. 1301 01:14:04.680 --> 01:14:07.680 And I don't think I've ever had a problem solved 1302 01:14:08.000 --> 01:14:12.880 by a foreigner in a call center. So I don't 1303 01:14:12.920 --> 01:14:18.159 mind people, obviously, I want everyone to work, but there 1304 01:14:18.199 --> 01:14:21.840 is just this language barrier that the worst place you 1305 01:14:21.920 --> 01:14:25.920 can have them is in a call center for technical information. 1306 01:14:26.680 --> 01:14:30.319 I mean it's hard enough explaining a problem to someone 1307 01:14:30.479 --> 01:14:34.600 who understands you, let alone trying to explain it to 1308 01:14:34.640 --> 01:14:38.359 someone who has trouble with the language. To begin with this, 1309 01:14:38.479 --> 01:14:39.600 I always wondered about. 1310 01:14:39.840 --> 01:14:44.239 Yes, I have two companies I can tell you about that. 1311 01:14:44.359 --> 01:14:51.279 I recently bought some stuff. One is Alligience. We bought 1312 01:14:51.399 --> 01:14:58.439 an American flag, which is made in America, not made. 1313 01:14:59.359 --> 01:15:01.359 Other one is weather Tech. 1314 01:15:02.680 --> 01:15:09.000 Well, yeah, which out uh fit the you know, your car, 1315 01:15:10.399 --> 01:15:12.239 the stuff that you I don't know right. 1316 01:15:12.359 --> 01:15:15.760 It's it's your floor mats and cargo mats and the 1317 01:15:15.800 --> 01:15:16.920 stuff in your trunk. 1318 01:15:17.960 --> 01:15:22.119 They do all of that, great company, both of which 1319 01:15:22.239 --> 01:15:27.800 are made in the US A completely and I was 1320 01:15:27.840 --> 01:15:31.720 fine with it. The pricing was great, yeah, and the 1321 01:15:31.760 --> 01:15:35.399 customer service was great. And I know what you're talking 1322 01:15:35.399 --> 01:15:39.800 about about outsourcing. But these companies, there are some that 1323 01:15:39.960 --> 01:15:40.520 still are. 1324 01:15:40.399 --> 01:15:43.479 Around that will take care of you. No, there are 1325 01:15:44.159 --> 01:15:48.800 there are, and I know that for example, when it 1326 01:15:48.880 --> 01:15:54.119 comes to appliances that that's a mixed bag. 1327 01:15:55.640 --> 01:15:59.840 There are some appliances made here. There are some headphones, 1328 01:16:00.000 --> 01:16:03.439 electronic stuff. I'm looking up some stuff here. But we 1329 01:16:03.680 --> 01:16:07.159 have over the years relegated a lot of our. 1330 01:16:07.079 --> 01:16:11.680 Manufacturing to overseas, and that's what Trump's been trying to reverse, 1331 01:16:11.800 --> 01:16:14.720 or to He's been trying to light a fire here 1332 01:16:14.720 --> 01:16:16.760 in America with tariffs. 1333 01:16:17.000 --> 01:16:18.880 Some people don't think that's the right way to go 1334 01:16:18.920 --> 01:16:25.199 about it. Others think it's fair. But most everything, this 1335 01:16:25.279 --> 01:16:28.680 is what's disheartening. I just looked on a survey here. 1336 01:16:29.039 --> 01:16:32.720 Most everything we buy is made elsewhere. So even though 1337 01:16:32.720 --> 01:16:35.840 we say we want to buy American, and Kelly, you've 1338 01:16:35.920 --> 01:16:41.199 talked about some exceptions, most of the stuff available is 1339 01:16:41.239 --> 01:16:44.960 not from America. If you go to Amazon, if you 1340 01:16:45.079 --> 01:16:50.600 go to online to shop, most everything you're presented is 1341 01:16:50.720 --> 01:16:57.199 not made in America. It's just not so will companies 1342 01:16:57.239 --> 01:17:00.560 start up and trying to compete a lot of people 1343 01:17:00.600 --> 01:17:04.119 say they can compete because of the low labor, and 1344 01:17:04.199 --> 01:17:07.039 you know, you can compete with people who are willing 1345 01:17:07.119 --> 01:17:09.960 to work for a few dollars a day, and there's 1346 01:17:09.960 --> 01:17:12.479 nothing we can do about that. You can't force foreign 1347 01:17:12.560 --> 01:17:16.600 countries to pay their workers a fair wage. Three O 1348 01:17:16.720 --> 01:17:20.399 three seven one three talks seven one three eight two 1349 01:17:20.560 --> 01:17:23.560 five five. We have more coming up on the Troubleshooter Show. 1350 01:17:28.640 --> 01:17:31.880 Go with a sure thing Denver's best roofer Excel Roofing 1351 01:17:32.000 --> 01:17:34.640 dot com. You don't pay a cent until you're content. 1352 01:17:38.000 --> 01:17:41.199 Time for an insurance check up free, no obligation. In comparison, 1353 01:17:41.319 --> 01:17:44.920 call Compass Insurance paying too much your coverage at dozens 1354 01:17:44.920 --> 01:17:47.640 of insurance companies find out now three oh three seven 1355 01:17:47.760 --> 01:17:48.239 seven to one. 1356 01:17:48.319 --> 01:17:48.600 Help. 1357 01:17:48.760 --> 01:17:51.399 You'll think you're his only customer when you choose Frank 1358 01:17:51.479 --> 01:17:53.920 durand the real estate Man dot com to list your 1359 01:17:53.960 --> 01:17:57.119 home with Remax Alliance three oh three nine two zero 1360 01:17:57.199 --> 01:18:18.079 sixteen twenty two. Hello Tom Martino here, let's talk trail 1361 01:18:18.119 --> 01:18:20.079 three seven one three talk seven one three eight two 1362 01:18:20.079 --> 01:18:20.479 five five. 1363 01:18:20.560 --> 01:18:23.600 Chris, you have a custody issue. What's going on with you? Chris, 1364 01:18:23.640 --> 01:18:24.479 welcome to the show. 1365 01:18:25.520 --> 01:18:25.920 Well good. 1366 01:18:26.000 --> 01:18:28.960 My custody issue is that my son has been taken 1367 01:18:29.199 --> 01:18:33.000 out of my custody for I had a mental hold 1368 01:18:33.159 --> 01:18:37.640 or check because I had a mental crisis and I 1369 01:18:37.640 --> 01:18:40.560 wanted to get back into therapy. Anyhow, they had considered 1370 01:18:40.600 --> 01:18:42.880 me or made me a kind of a threat, and 1371 01:18:42.880 --> 01:18:47.560 it took my They accosted me, detained me very poorly, 1372 01:18:47.800 --> 01:18:49.039 and threw me into a place. 1373 01:18:49.239 --> 01:18:55.039 Chris, let's go back to the beginning before this happened. 1374 01:18:55.600 --> 01:18:57.439 Were you divorced from the mom? 1375 01:18:58.840 --> 01:19:02.279 We were separated and she has not been involved with 1376 01:19:02.479 --> 01:19:06.479 his with his life for eight years. And I had 1377 01:19:06.520 --> 01:19:09.239 put in a discrepancy. 1378 01:19:09.000 --> 01:19:12.800 Prior prior to this problem. I need to know this, Chris, 1379 01:19:13.119 --> 01:19:16.920 prior to this problem where you had this mental health crisis? 1380 01:19:17.199 --> 01:19:20.119 Were you having shared custody with no issues? 1381 01:19:22.279 --> 01:19:25.279 Well, we have an APR agreement and she had not 1382 01:19:25.399 --> 01:19:31.520 followed through and had abandonment or I abandoned him basically, 1383 01:19:31.720 --> 01:19:34.800 so I had bull guardianship since then. 1384 01:19:35.279 --> 01:19:40.159 Okay, So how long before this mental health issue? How 1385 01:19:40.239 --> 01:19:42.359 long did you have soul custody? 1386 01:19:43.640 --> 01:19:49.399 Oh? Pretty much since twenty sixteen, seventeen? Well, yeah, seventeen. 1387 01:19:49.439 --> 01:19:52.960 How old was he? How old was he then? 1388 01:19:54.079 --> 01:19:54.239 Here? 1389 01:19:54.319 --> 01:19:56.600 Was about three? 1390 01:19:56.840 --> 01:19:58.720 And the mom abandoned him? 1391 01:19:59.520 --> 01:20:03.000 Yes, told us both to leave the house in which 1392 01:20:03.000 --> 01:20:05.439 I was paying for rent, and we had some issues, 1393 01:20:06.279 --> 01:20:08.600 and so Daniel was in my hands and she had 1394 01:20:08.600 --> 01:20:10.760 told us to leave and never come back. 1395 01:20:11.560 --> 01:20:15.960 So we do okay? And I had Yeah, And when 1396 01:20:16.000 --> 01:20:17.439 did you lose that custody? 1397 01:20:19.159 --> 01:20:24.159 DHS felt as if to get involved and put temporary 1398 01:20:24.199 --> 01:20:25.800 custody on him for. 1399 01:20:27.199 --> 01:20:28.279 And who did they give it? 1400 01:20:28.479 --> 01:20:30.880 When they took custody away from you. Who did they 1401 01:20:30.880 --> 01:20:31.359 give it to? 1402 01:20:32.600 --> 01:20:36.199 They gave it to the babysitters that I had him 1403 01:20:36.279 --> 01:20:39.359 arranged to be at for a while, just. 1404 01:20:39.279 --> 01:20:41.000 A babysitter randomly. 1405 01:20:42.000 --> 01:20:45.000 No, no, No, it was his friend's house, like trusted 1406 01:20:45.319 --> 01:20:50.279 friends that he was staying at that weekend. And he 1407 01:20:50.359 --> 01:20:51.479 didn't really But wait a. 1408 01:20:51.479 --> 01:20:56.119 Minute, Chris, Chris, when they took away your custody due 1409 01:20:56.119 --> 01:20:59.600 to the mental health crisis, When they did that, I. 1410 01:20:59.520 --> 01:21:00.119 Need to know. 1411 01:21:00.000 --> 01:21:03.600 So they granted it to somebody that you knew that 1412 01:21:03.760 --> 01:21:05.279 was taking care of the boy with you? 1413 01:21:06.680 --> 01:21:10.720 Yes, like to his friend's house like down the road, right. 1414 01:21:11.239 --> 01:21:14.319 Is it a family member or some stranger? 1415 01:21:15.319 --> 01:21:18.199 No, pretty much some stranger revolt knowing about a year. 1416 01:21:20.079 --> 01:21:23.399 So some guy that you met a year ago, the 1417 01:21:23.520 --> 01:21:27.000 courts granted custody of your child. 1418 01:21:27.880 --> 01:21:31.840 Yes, immediately they did for reasons thinking I was a threat, 1419 01:21:31.840 --> 01:21:32.319 which I was not. 1420 01:21:35.039 --> 01:21:38.960 Well this I'm very concerned about this. This sounds asked backwards. 1421 01:21:39.640 --> 01:21:43.119 They gave custody to a friend of yours. And what 1422 01:21:43.279 --> 01:21:46.119 do they know about this friend or what does is 1423 01:21:46.159 --> 01:21:47.520 this friend related. 1424 01:21:47.119 --> 01:21:47.960 To you in any way? 1425 01:21:49.039 --> 01:21:50.640 No? Negative? 1426 01:21:54.159 --> 01:21:57.359 And who is it that granted custody to this person. 1427 01:21:59.119 --> 01:22:04.439 The point of vis the police apartment. Who it was 1428 01:22:04.479 --> 01:22:06.199 the DHS that's got involved? 1429 01:22:07.560 --> 01:22:10.560 Does this guy? How did you meet this guy? This 1430 01:22:10.640 --> 01:22:13.359 guy that has custody now or guardianship? 1431 01:22:14.159 --> 01:22:17.600 I don't think it's not anymore because they had split up. 1432 01:22:17.640 --> 01:22:21.319 It was Hannah and Chad, which were kind of friends 1433 01:22:21.359 --> 01:22:24.560 that we met a year ago. They moved here and 1434 01:22:24.600 --> 01:22:26.720 they were a couple that were taking care of She 1435 01:22:26.840 --> 01:22:29.439 was taking care of her son. She's a single mom, 1436 01:22:29.920 --> 01:22:33.359 and but was engaged. I don't know if they were engaged, 1437 01:22:33.399 --> 01:22:37.079 but they had a good relationship it seems. And their 1438 01:22:37.239 --> 01:22:40.159 son goes to the school that Daniel goes to. 1439 01:22:40.359 --> 01:22:41.680 So I get it. 1440 01:22:41.720 --> 01:22:44.680 Well, here's what I need to know. Now, here's what 1441 01:22:44.760 --> 01:22:47.319 I need to know. Now, where is the boy now? 1442 01:22:47.359 --> 01:22:48.479 And who has custody? 1443 01:22:49.279 --> 01:22:53.760 He's in custody with his friends, another friend from school 1444 01:22:54.039 --> 01:22:59.359 and their parents, which is a. 1445 01:22:57.760 --> 01:23:02.119 Did those parents? Did those parents file for custody? 1446 01:23:02.319 --> 01:23:11.319 No? No, it's under a temporary custody or something. 1447 01:23:12.880 --> 01:23:14.760 It's like emergency custody. Right. 1448 01:23:15.560 --> 01:23:17.840 Yeah, it's just been very frustrating. I'm trying to figure 1449 01:23:17.880 --> 01:23:18.399 it all out. 1450 01:23:18.680 --> 01:23:22.159 Tell me what what happened? I understand with any mental 1451 01:23:22.199 --> 01:23:25.479 health clare crisis, though they always give the parents a 1452 01:23:25.560 --> 01:23:26.159 path back. 1453 01:23:26.520 --> 01:23:28.119 What did they say you had to do? 1454 01:23:30.319 --> 01:23:33.239 Well, I'm going into I'm into therapy and stuff like that, 1455 01:23:33.399 --> 01:23:36.119 and uh, what can you describe? 1456 01:23:36.640 --> 01:23:41.000 Can you describe the mental health crisis? What happened? 1457 01:23:42.199 --> 01:23:44.880 Well? For instance, you know I had uh, I had 1458 01:23:44.920 --> 01:23:49.520 taken a chocolate bar anyways, and I had I had, 1459 01:23:49.840 --> 01:23:54.239 I went into a deep depression, had little psychosis and 1460 01:23:54.239 --> 01:23:58.279 I was kind of hallucinating bad thoughts and was I 1461 01:23:58.880 --> 01:24:01.000 now know how have an member for like a mental 1462 01:24:01.039 --> 01:24:03.119 crisis or I help crisis line? 1463 01:24:03.680 --> 01:24:07.520 Okay, Chris, did you have gnosis? Chris? Do you have 1464 01:24:07.560 --> 01:24:08.560 a diagnosis? 1465 01:24:09.720 --> 01:24:14.520 Yes, I have diagnosis with a little PTSD depression and ADHD. 1466 01:24:16.159 --> 01:24:18.439 Okay, are you on medications now? 1467 01:24:20.199 --> 01:24:23.359 They actually tried to put me on some of these 1468 01:24:23.359 --> 01:24:27.199 weird psychotropics. They're pheno barbituates. I don't take those anymore. 1469 01:24:27.239 --> 01:24:29.880 They put me on adam exapine. I don't take those anymore. 1470 01:24:29.880 --> 01:24:31.359 It doesn't work. And then they want to put me 1471 01:24:31.399 --> 01:24:34.920 on alonzapine. And I take kalanity and for sleep sometimes 1472 01:24:34.960 --> 01:24:36.960 because I'm okays omniac. 1473 01:24:37.199 --> 01:24:39.680 Okay, And what did they say you have to do 1474 01:24:39.760 --> 01:24:40.920 to get custody back. 1475 01:24:42.079 --> 01:24:45.479 I'm just follow their loops, and uh, you know, I've 1476 01:24:45.479 --> 01:24:47.479 been kind of being treated like a criminal through this 1477 01:24:47.520 --> 01:24:50.359 whole process, and I'm not trusted with mine. 1478 01:24:50.479 --> 01:24:50.840 Did you. 1479 01:24:53.920 --> 01:24:54.760 Well taken care of it? 1480 01:24:54.800 --> 01:24:57.640 Did you have to do anything? Did you do anything 1481 01:24:57.680 --> 01:25:00.119 with your son when you were going through this episode? 1482 01:25:00.720 --> 01:25:04.039 No? Negative? No? 1483 01:25:04.800 --> 01:25:08.000 Okay? And do you get visitation with your son? 1484 01:25:09.199 --> 01:25:09.399 Yes? 1485 01:25:11.840 --> 01:25:13.920 Okay? What do you need from us? 1486 01:25:15.119 --> 01:25:16.840 I'm just curious as to what to go on because 1487 01:25:16.880 --> 01:25:19.079 I feel like I was mistreated in some of it 1488 01:25:19.119 --> 01:25:22.000 and being treated for you know, different diagnosis that they 1489 01:25:22.000 --> 01:25:25.479 haven't diagnosed me with and gave me a plethora of medications. 1490 01:25:25.520 --> 01:25:28.760 But also I'm stable, and they want to give me 1491 01:25:28.800 --> 01:25:37.359 a civil charge or whatnot for a negligence or dependency. 1492 01:25:38.479 --> 01:25:38.680 Thing. 1493 01:25:38.720 --> 01:25:42.840 And I think it's it's it's called dependency. Hold on, 1494 01:25:43.560 --> 01:25:46.520 it's called dependency and neglect. Are they charging you with that? 1495 01:25:47.680 --> 01:25:49.600 Yeah? They want to put a civil charge on that. 1496 01:25:49.800 --> 01:25:54.039 It's civil, I guess. And I don't see the purpose 1497 01:25:54.079 --> 01:25:56.239 of it because he was well taken care of and 1498 01:25:56.319 --> 01:25:58.800 still has a good home and a loving father to 1499 01:25:58.840 --> 01:26:02.319 be with. And I just kind of felt like I 1500 01:26:02.399 --> 01:26:07.439 was duped into the situation for I don't know some reason. 1501 01:26:08.000 --> 01:26:12.920 It's important that we know. It's important that we know 1502 01:26:14.279 --> 01:26:18.319 what they're trying to do. Are they trying to press charges? 1503 01:26:20.439 --> 01:26:22.520 I think so? And so the trial is coming up 1504 01:26:22.560 --> 01:26:24.319 here pretty soon. And this has been going on since. 1505 01:26:24.840 --> 01:26:27.560 Hold on, hold on, if there, if they have a 1506 01:26:27.600 --> 01:26:32.079 trial coming up, they're not thinking about pressing charges. They 1507 01:26:32.119 --> 01:26:33.479 already pressed charges. 1508 01:26:34.399 --> 01:26:38.159 Yes, I've been treated guilty until like, I guess what did. 1509 01:26:38.119 --> 01:26:40.800 They charge you? What is your formal charge? 1510 01:26:42.880 --> 01:26:44.760 A neglect? Independency? 1511 01:26:46.319 --> 01:26:50.359 Okay, all right, and you need to get an attorney or. 1512 01:26:50.359 --> 01:26:51.800 Has made sure he's well taken care of. 1513 01:26:52.159 --> 01:26:55.800 You need to get an attorney, Chris. You can't go 1514 01:26:55.880 --> 01:26:58.159 there alone. 1515 01:26:57.399 --> 01:27:01.079 Because the because the attorneys that are appointed to me 1516 01:27:01.880 --> 01:27:04.159 are not really representing me the way I wanted to be. 1517 01:27:05.800 --> 01:27:07.520 So you have an attorney appointed. 1518 01:27:09.279 --> 01:27:12.439 Yeah. And when I was in the when I was 1519 01:27:12.439 --> 01:27:16.279 in the hold, they gave me all sorts of medications 1520 01:27:16.279 --> 01:27:19.479 that made me feel growdy, woozy, and I took my 1521 01:27:19.560 --> 01:27:22.039 phone so I couldn't have communications to get a hold 1522 01:27:22.039 --> 01:27:23.920 of the parties. 1523 01:27:24.319 --> 01:27:27.000 Chris, and Chris, listen, listen. 1524 01:27:28.399 --> 01:27:32.760 If you're charged with dependency and neglect, that could take 1525 01:27:32.760 --> 01:27:34.239 away your custody forever. 1526 01:27:35.279 --> 01:27:35.640 I know. 1527 01:27:37.159 --> 01:27:40.039 You need to work with these attorneys appointed. 1528 01:27:39.560 --> 01:27:42.880 To you, right, And that's what I've been doing. 1529 01:27:44.199 --> 01:27:47.840 You have to because if you try now to hire 1530 01:27:47.880 --> 01:27:50.880 your own attorney, you can't afford one. And the attorney 1531 01:27:50.920 --> 01:27:54.840 that's appointed to you, did he or she give you 1532 01:27:54.920 --> 01:27:56.800 any information on what you need to do? 1533 01:27:58.159 --> 01:28:01.119 Yeah, I'm going I'm following through it there and doing 1534 01:28:01.119 --> 01:28:02.199 all the classes I need to. 1535 01:28:02.399 --> 01:28:07.800 And yes, what do they think the outcome will be? 1536 01:28:08.760 --> 01:28:11.119 What do they what do they think the outcome is 1537 01:28:11.159 --> 01:28:14.279 going to? What do they think the outcome is going 1538 01:28:14.319 --> 01:28:14.520 to be? 1539 01:28:15.439 --> 01:28:17.119 I have no idea. I don't think like them. I 1540 01:28:17.159 --> 01:28:17.880 don't know how to. 1541 01:28:19.479 --> 01:28:20.720 I don't Okay, So when you. 1542 01:28:20.560 --> 01:28:21.159 Call the. 1543 01:28:22.720 --> 01:28:26.359 One of the attreees, when you called us, yeah, because 1544 01:28:26.399 --> 01:28:28.039 I told it. I was told it was a good idea. 1545 01:28:29.840 --> 01:28:33.560 Yeah, well we we from But from what I'm hearing. 1546 01:28:34.319 --> 01:28:38.119 From what I'm hearing, they've done everything properly. They put 1547 01:28:38.159 --> 01:28:42.159 your son in emergency custody. They took them away from 1548 01:28:42.159 --> 01:28:45.399 you because of this crisis you had. You admit you 1549 01:28:45.399 --> 01:28:49.000 had a crisis. You're being charged with dependency and neglect. 1550 01:28:49.439 --> 01:28:53.119 But if you have a diagnosis, that helps to diminish 1551 01:28:53.239 --> 01:28:57.359 that dependency and neglect. Does your attorney say the charges 1552 01:28:57.399 --> 01:28:59.640 will be dropped if you cooperate with them? 1553 01:29:00.319 --> 01:29:01.279 Yes, I believe so. 1554 01:29:02.720 --> 01:29:05.239 Yeah, well that's the road you should pursue. 1555 01:29:06.399 --> 01:29:08.880 Yeah, and then you know, I put in an abandonment 1556 01:29:08.920 --> 01:29:11.880 a long time ago, and jeffco for I mean my 1557 01:29:12.000 --> 01:29:14.159 son and his mom hasn't been a part of his 1558 01:29:14.199 --> 01:29:15.960 life for eight years. God knows why. 1559 01:29:16.079 --> 01:29:19.760 Yeah, but that's not going to help you now. Proving 1560 01:29:19.760 --> 01:29:23.680 abandonment against his mom has nothing to do with your case. 1561 01:29:24.399 --> 01:29:28.279 Right now, you have to concentrate. You have to concentrate 1562 01:29:28.960 --> 01:29:32.840 on fighting this dependency and neglect and you need to 1563 01:29:32.960 --> 01:29:35.159 lean on a diagnosis instead. 1564 01:29:35.800 --> 01:29:38.560 You need to say, I was sick. 1565 01:29:38.600 --> 01:29:41.560 I'm being treated I want a path back to being 1566 01:29:41.600 --> 01:29:45.239 a dad. That is, if you go in with that attitude, 1567 01:29:45.680 --> 01:29:48.000 that's what's going to work. If you go in with 1568 01:29:48.079 --> 01:29:51.079 an attitude that they didn't treat me properly, they gave 1569 01:29:51.119 --> 01:29:53.720 me the wrong meds, they did this, they did that, 1570 01:29:54.439 --> 01:29:55.800 you're not going to make it. 1571 01:29:55.800 --> 01:29:56.800 It's not going to be right. 1572 01:29:57.520 --> 01:30:02.199 You literally need to work with that attorney and tell 1573 01:30:02.239 --> 01:30:06.800 that attorney that you don't want a dependency neglect conviction 1574 01:30:07.439 --> 01:30:11.600 you want to cooperate with them, and then they will 1575 01:30:11.600 --> 01:30:13.119 offer you some kind of a plea. 1576 01:30:14.800 --> 01:30:16.319 Yep, it's a plea deal. 1577 01:30:18.119 --> 01:30:21.680 I got to take this break, but Chris, really, I mean, 1578 01:30:21.720 --> 01:30:23.840 you have the tools in your hand right now. You 1579 01:30:24.239 --> 01:30:27.720 got to ask them. You got to ask your attorney 1580 01:30:28.039 --> 01:30:31.479 to get you a plea deal. I'm Tom Martine Moore 1581 01:30:31.520 --> 01:30:39.359 coming up. Go with a sure thing Denver's best roofer 1582 01:30:39.479 --> 01:30:40.960 Excel roofing dot com. 1583 01:30:41.000 --> 01:30:43.039 You don't pay a cent until you're content. 1584 01:30:46.399 --> 01:30:49.600 Time for an insurance check up free no obligation comparison 1585 01:30:49.720 --> 01:30:53.279 call Compass Insurance paying too much your coverage at dozens 1586 01:30:53.279 --> 01:30:56.039 of insurance companies find out now three O three seven 1587 01:30:56.039 --> 01:30:58.399 to seven to one help. You'll think you're his only 1588 01:30:58.479 --> 01:31:00.960 customer when you choose Frank to the real estate man 1589 01:31:01.000 --> 01:31:04.439 dot com to list your home with Remax Alliance three 1590 01:31:04.479 --> 01:31:30.079 oh three nine two zero sixteen twenty two. Hi Tom Martino, 1591 01:31:30.159 --> 01:31:34.079 here's three oh three seven one three talks seven one 1592 01:31:34.079 --> 01:31:38.439 three eight two five five. All right, we got a 1593 01:31:38.439 --> 01:31:41.479 lot more to talk about. I got some texts coming up. 1594 01:31:41.520 --> 01:31:44.319 I want to find Tom. The reason I don't buy 1595 01:31:44.319 --> 01:31:48.600 American is because things are not easily identified as to 1596 01:31:48.680 --> 01:31:49.479 where they're made. 1597 01:31:50.199 --> 01:31:50.680 How do you know? 1598 01:31:50.920 --> 01:31:52.840 I mean, you really got to do some research to 1599 01:31:52.920 --> 01:31:57.680 find things made in America. So that was one comment 1600 01:31:57.760 --> 01:32:01.039 that I find. You know, that's pretty accurate. You don't 1601 01:32:01.079 --> 01:32:05.359 automatically know if something is made in America. I mean, 1602 01:32:05.760 --> 01:32:08.279 there are some signs that they made in America a lot, 1603 01:32:08.319 --> 01:32:12.279 but not all products. Do you know where things are made? 1604 01:32:12.319 --> 01:32:13.600 When you look at them? 1605 01:32:13.800 --> 01:32:16.239 Do you know? And how do you know? 1606 01:32:17.359 --> 01:32:17.520 Three? 1607 01:32:17.760 --> 01:32:19.680 Three seven to one three talks seven one three eight 1608 01:32:19.680 --> 01:32:20.399 two five five. 1609 01:32:20.800 --> 01:32:23.840 Here's the text, Tom, I'm starting a business, and you 1610 01:32:23.920 --> 01:32:28.920 once mentioned there were five common mistakes people make. I 1611 01:32:28.960 --> 01:32:32.319 thought I wrote them down, but let me explain this 1612 01:32:32.359 --> 01:32:34.760 to you because when you're starting a business, let me 1613 01:32:34.800 --> 01:32:38.760 tell you the number one. The number one is before 1614 01:32:38.800 --> 01:32:43.680 you even start. Do a feasibility study before you even start. 1615 01:32:43.760 --> 01:32:46.039 So I don't want to call this starting a business. 1616 01:32:47.319 --> 01:32:51.760 I want to call this thinking about starting a business. 1617 01:32:52.920 --> 01:32:57.079 Do a feasibility study in your head. First. You have 1618 01:32:57.159 --> 01:33:01.119 to make sure that the end result, which is profit, 1619 01:33:03.159 --> 01:33:06.600 is worth doing the business. 1620 01:33:08.359 --> 01:33:12.680 If you want to make yourself a job, that's okay too. 1621 01:33:13.279 --> 01:33:18.000 So when you start a business and you're a tradesman 1622 01:33:18.039 --> 01:33:19.720 of some kind, just call it. 1623 01:33:19.920 --> 01:33:23.439 You know, whatever you do and you have a widget. 1624 01:33:24.760 --> 01:33:27.680 If you can make these widgets and pay for these 1625 01:33:27.680 --> 01:33:32.640 widgets and then pay yourself a good salary, but there's 1626 01:33:32.640 --> 01:33:37.000 no profit at the end, you have to ask yourself, 1627 01:33:37.920 --> 01:33:40.079 can I find a job making the same amount of 1628 01:33:40.119 --> 01:33:44.479 money with these widgets or do I have to do 1629 01:33:44.600 --> 01:33:48.399 my own if you can find another job. It never 1630 01:33:48.520 --> 01:33:55.199 pays to do the widgets and to have a business. 1631 01:33:55.720 --> 01:33:57.640 Not if you can find a job doing it, it 1632 01:33:57.720 --> 01:34:01.680 never pays. Now, if you're intent is to start out 1633 01:34:02.159 --> 01:34:05.760 making a living making the widgets and eventually turn that 1634 01:34:05.880 --> 01:34:09.560 into profit, and then you have not only your wage 1635 01:34:09.600 --> 01:34:14.359 but your profit, then it might be worth doing again. 1636 01:34:14.720 --> 01:34:20.039 People a lot of times mistake wages for profits. Profits 1637 01:34:20.079 --> 01:34:23.880 are above and beyond all operating costs. Part of your 1638 01:34:23.880 --> 01:34:27.520 operating costs would be your salary. And when people start 1639 01:34:27.520 --> 01:34:32.640 a business, they don't always take into consideration their own time. 1640 01:34:34.279 --> 01:34:38.039 They take into consideration everything else, but not that they're 1641 01:34:38.079 --> 01:34:40.279 going to be there forty or sixty hours a week. 1642 01:34:41.159 --> 01:34:44.880 If you can't pay for your time and have profit 1643 01:34:44.960 --> 01:34:49.119 on top of that, it may not be a good endeavor. Now, 1644 01:34:49.439 --> 01:34:51.880 So what does that mean? Pay for your time and 1645 01:34:51.960 --> 01:34:54.560 have profit on top of it, simply what it means. 1646 01:34:54.920 --> 01:34:57.560 But you also have to pay for the product that 1647 01:34:57.640 --> 01:35:02.199 you're selling or the service that you're doing. So please 1648 01:35:02.479 --> 01:35:07.279 take into consideration time. The owner's time is worth money 1649 01:35:07.680 --> 01:35:11.640 as a wage, not profit. Then profits on top of that. 1650 01:35:12.079 --> 01:35:14.680 So if you're spending thirty hours in the business or 1651 01:35:14.720 --> 01:35:17.359 forty hours in the business, and you're making a certain 1652 01:35:17.359 --> 01:35:20.640 amount of money, that's not profit. 1653 01:35:20.880 --> 01:35:21.800 That's your wage. 1654 01:35:23.039 --> 01:35:25.880 Now if you make more than a normal wage, that 1655 01:35:25.920 --> 01:35:29.880 could go into profit, and you can take your profits 1656 01:35:29.880 --> 01:35:31.199 as salary if you want to. 1657 01:35:32.199 --> 01:35:34.800 But the point is this, you want both a. 1658 01:35:34.920 --> 01:35:38.680 Job and profit, or maybe you don't want a job, 1659 01:35:38.760 --> 01:35:41.199 maybe you just want the profit and you want other 1660 01:35:41.319 --> 01:35:44.239 tradesmen to do the job. That's good too. You can 1661 01:35:44.359 --> 01:35:47.399 just be an owner. You don't have to necessarily work 1662 01:35:47.640 --> 01:35:52.680 the business. But when you calculate expenses, you have to 1663 01:35:52.760 --> 01:35:56.479 calculate a number of categories. And the biggest thing that 1664 01:35:56.560 --> 01:36:02.319 people neglect is competition. They don't realize that other people 1665 01:36:02.359 --> 01:36:04.560 will be doing the same thing, so they have to 1666 01:36:04.600 --> 01:36:09.039 allot a certain amount of money to marketing and to 1667 01:36:09.159 --> 01:36:12.840 distinguishing themselves. And if you don't have that as part 1668 01:36:12.920 --> 01:36:15.760 of your line items. Then you're not getting an accurate 1669 01:36:15.800 --> 01:36:19.720 picture because that will eat into profits. And you cannot 1670 01:36:19.880 --> 01:36:25.920 operate a business without marketing. It's simply impossible. So time 1671 01:36:26.399 --> 01:36:30.119 and marketing are the two big things. And then profit. 1672 01:36:30.239 --> 01:36:33.479 What will the profit be after you subtract your time? 1673 01:36:33.960 --> 01:36:35.880 I'm Tom Martinez. We have more coming up on The 1674 01:36:35.880 --> 01:36:38.960 Troubleshooter Show. Three oh three seven one three eight two 1675 01:36:39.000 --> 01:36:47.239 five five. Go with a sure thing Denver's best roofer 1676 01:36:47.359 --> 01:36:50.239 Excel Roofing dot com. You don't pay a cent until 1677 01:36:50.279 --> 01:36:56.720 you're content. Time for an insurance check up free, no obligation. 1678 01:36:56.800 --> 01:37:00.600 In comparison, call Compass Insurance paying too much your coverage 1679 01:37:00.640 --> 01:37:03.279 at dozens of insurance companies find out now three all 1680 01:37:03.319 --> 01:37:05.680 three seven to seven to one help. You'll think you're 1681 01:37:05.720 --> 01:37:08.239 his only customer when you choose Frank durand the real 1682 01:37:08.359 --> 01:37:11.319 estate Man dot com to list your home with Remax 1683 01:37:11.359 --> 01:37:14.439 Alliance three all three nine two zero sixteen twenty two. 1684 01:37:15.319 --> 01:37:20.640 Yeah, ripped. 1685 01:37:22.319 --> 01:37:25.319 New need advice so you don't have. 1686 01:37:27.560 --> 01:37:29.960 Come running Just as fast as we can. 1687 01:37:30.840 --> 01:37:32.520 Shooter's gonna help. 1688 01:37:32.800 --> 01:37:37.399 Come dix is the Troubleshooter Show. 1689 01:37:37.520 --> 01:37:43.279 No Tom Martino, Hello Tom Martino. Here, how are you doing. 1690 01:37:43.439 --> 01:37:44.399 What can we do to make. 1691 01:37:44.239 --> 01:37:46.439 Your life easier? Let's just go to the phones and 1692 01:37:46.439 --> 01:37:48.520 talk about it. I've been doing this fifty years, folks. 1693 01:37:49.039 --> 01:37:51.520 I probably heard almost every problem. But if you ever 1694 01:37:51.560 --> 01:37:54.319 give me a problem I haven't heard, I promise you 1695 01:37:54.680 --> 01:37:59.039 one hundred dollars. I'm serious. I I want to find 1696 01:37:59.079 --> 01:38:00.920 out all kinds of problems. 1697 01:38:01.079 --> 01:38:03.800 So if you ever had one i've never heard, call 1698 01:38:05.279 --> 01:38:06.039 I want to hear it. 1699 01:38:07.039 --> 01:38:11.159 And now let's go to the phones. And we have 1700 01:38:11.680 --> 01:38:15.039 Jim who wants to talk about a debit card. Debit 1701 01:38:15.079 --> 01:38:17.479 cards are debit cards are pretty cool. 1702 01:38:17.640 --> 01:38:20.239 Actually, what's going on? Jim? 1703 01:38:21.279 --> 01:38:24.920 Hello Tom? On Friday, I went up to the off 1704 01:38:25.000 --> 01:38:28.359 the black car to the casinos. I used my debit 1705 01:38:28.399 --> 01:38:31.920 card in an ATM machine at a Saratoga Yeah. 1706 01:38:32.279 --> 01:38:35.000 Uh, got out, lost. 1707 01:38:34.720 --> 01:38:36.119 It and let's the casino. 1708 01:38:36.239 --> 01:38:40.680 I got a thing on my phone not five minutes 1709 01:38:40.760 --> 01:38:45.279 later that someone had used my debit card as my 1710 01:38:46.560 --> 01:38:50.079 account number, my pin number and to the penn any 1711 01:38:50.159 --> 01:38:52.680 amount of money I had in my bank account trying 1712 01:38:52.720 --> 01:38:56.920 to take it out. Luckily my bank sawders brought stopped it. 1713 01:38:57.560 --> 01:39:01.199 I went back up funding Oh, good black hawk cop, 1714 01:39:02.479 --> 01:39:05.960 and he said it's been happening occasionally up there. Is 1715 01:39:06.000 --> 01:39:08.119 the only way it can be happening is somebody had 1716 01:39:08.159 --> 01:39:10.159 to have walked over and put one of those scanning 1717 01:39:10.159 --> 01:39:14.079 devices on the ATM machine. 1718 01:39:14.760 --> 01:39:19.079 Before they could have spied. I don't want h oh no, no, 1719 01:39:19.119 --> 01:39:20.720 because they swiped it, didn't they. 1720 01:39:22.039 --> 01:39:23.239 I don't know how they got it. 1721 01:39:23.399 --> 01:39:23.720 I don't know. 1722 01:39:24.119 --> 01:39:26.720 I say, I used my card, I took it back 1723 01:39:26.760 --> 01:39:28.800 out and nobody was around me. Nobody could have seen 1724 01:39:28.840 --> 01:39:29.119 what I. 1725 01:39:29.119 --> 01:39:30.960 Was putting in. But they got it. 1726 01:39:31.399 --> 01:39:33.800 I mean they took it out, tried to take it 1727 01:39:33.800 --> 01:39:36.760 out to the penny Watchally my bank Shawt is fraud 1728 01:39:36.800 --> 01:39:38.000 and frozen instantly. 1729 01:39:38.760 --> 01:39:42.079 Man, your bank is great. What what bank do you have, Jim? 1730 01:39:42.359 --> 01:39:43.159 What bank you have? 1731 01:39:43.760 --> 01:39:47.319 Take bank? But it was bank? 1732 01:39:48.319 --> 01:39:50.239 So now what is your question now, sir? 1733 01:39:51.119 --> 01:39:52.840 No, I'm just trying to put a warning to people 1734 01:39:52.920 --> 01:39:55.720 they're using machine up there, look for those devices because 1735 01:39:55.760 --> 01:39:58.760 wherever it was doing it obviously used it. 1736 01:39:59.239 --> 01:40:05.319 And it's Jim, it's all machines. It's all machines. It's 1737 01:40:05.359 --> 01:40:07.840 not just that one, just all machines. 1738 01:40:09.039 --> 01:40:12.720 Did you did you call the casino back and notify them? 1739 01:40:12.960 --> 01:40:16.520 I called the casino. They called me back about twenty 1740 01:40:16.560 --> 01:40:18.800 four hours later and says we'll go up and look, 1741 01:40:18.840 --> 01:40:21.039 and they come back says, oh, we don't say any device. 1742 01:40:21.640 --> 01:40:22.479 Of course, not trying. 1743 01:40:24.640 --> 01:40:30.039 Hey, Jim, Jim, listen, but you have to you have 1744 01:40:30.119 --> 01:40:31.159 to protect yourself. 1745 01:40:31.680 --> 01:40:35.359 They have right now your You. 1746 01:40:35.359 --> 01:40:37.520 Got to do what I tell you, no matter what 1747 01:40:37.560 --> 01:40:40.600 your bank says. And I hope you trust me. Once 1748 01:40:40.640 --> 01:40:46.520 they have your routing number and your account number, they're 1749 01:40:46.560 --> 01:40:48.840 going to play havoc on you. And it could be 1750 01:40:48.880 --> 01:40:52.199 in a month from now, but you there. But they 1751 01:40:52.199 --> 01:40:55.720 don't need your card to make an ach transfer out 1752 01:40:55.720 --> 01:40:59.960 of your account, so they can do what's called a pull, 1753 01:41:01.000 --> 01:41:04.600 and they don't. People don't understand this about the banking world. 1754 01:41:04.920 --> 01:41:06.279 It's a deep, dark secret. 1755 01:41:06.880 --> 01:41:11.920 But there are no there are no protections for digital transactions. 1756 01:41:12.479 --> 01:41:15.600 When somebody goes in and does a pull, they don't 1757 01:41:15.640 --> 01:41:17.359 need a gun or a knife to rob your bank. 1758 01:41:17.439 --> 01:41:20.439 They just need the routing number and the account number. 1759 01:41:20.840 --> 01:41:24.520 Right now, I have my online bank, I can go 1760 01:41:24.600 --> 01:41:28.560 on there initiate a pull to your account. I put 1761 01:41:28.600 --> 01:41:31.600 in your routing number, your account number. It doesn't ask 1762 01:41:31.600 --> 01:41:35.720 for your approval, it asks for nothing. I hit and 1763 01:41:35.760 --> 01:41:38.680 it will pull out the money that's going to happen 1764 01:41:38.760 --> 01:41:42.119 to you. They're not done with you. In fact, they've 1765 01:41:42.199 --> 01:41:48.039 probably already sold your information. You have to stop it 1766 01:41:48.079 --> 01:41:51.960 from happening in the future. Here's what your bank is 1767 01:41:52.000 --> 01:41:55.159 going to tell you. Okay, okay, go ahead. What did 1768 01:41:55.159 --> 01:41:55.840 your bank tell you? 1769 01:41:55.880 --> 01:41:56.399 I'm interested. 1770 01:41:56.399 --> 01:41:58.359 I went to the bank. I went to the bank. 1771 01:41:58.520 --> 01:42:03.199 They got rid of a car, put a new card in, 1772 01:42:04.399 --> 01:42:07.439 so they locked everything up on that account. 1773 01:42:07.520 --> 01:42:11.600 You know, Jim, it's not locked up. Jim. 1774 01:42:11.800 --> 01:42:14.520 Let me tell you another dirty secret. I don't know 1775 01:42:14.560 --> 01:42:17.960 why banks are not just straight about it. Your bank's 1776 01:42:18.000 --> 01:42:20.640 routing numbers say the same. They gave you a new 1777 01:42:20.640 --> 01:42:24.640 account number. When someone puts through a draft on your 1778 01:42:24.680 --> 01:42:29.479 old account number, it will automatically transfer to the new 1779 01:42:29.520 --> 01:42:33.359 account number. And the reason it does that is because 1780 01:42:34.119 --> 01:42:39.479 you unless you have a major fraud investigation going on, 1781 01:42:39.840 --> 01:42:44.079 it's gonna automatically transfer. They don't tell you this, but 1782 01:42:44.279 --> 01:42:46.760 what you really have to do, and I hate telling 1783 01:42:46.840 --> 01:42:50.159 you this, but I swear to God it is the 1784 01:42:50.199 --> 01:42:55.720 only protection is to close the account and to reopen 1785 01:42:55.760 --> 01:43:00.199 the account at another bank. I know this sounds crazy, 1786 01:43:00.439 --> 01:43:04.000 but I promise you with what they do is they 1787 01:43:04.039 --> 01:43:08.840 create what's called a recurring transaction, and they put it 1788 01:43:08.880 --> 01:43:12.439 through on your old account. When somebody puts through a 1789 01:43:12.479 --> 01:43:18.560 recurring transaction on a closed account, the bank assumes that 1790 01:43:18.600 --> 01:43:23.199 you meant to pay that and it's recurring and it 1791 01:43:23.239 --> 01:43:26.399 got caught in the middle, so they will transfer it 1792 01:43:26.439 --> 01:43:29.560 over to the new account and honor it. Now, you 1793 01:43:29.680 --> 01:43:32.159 can argue and get your money back, but it's going 1794 01:43:32.239 --> 01:43:34.279 to happen all the time. 1795 01:43:34.479 --> 01:43:35.960 They're going to hit that account. 1796 01:43:36.520 --> 01:43:40.000 They have autobots that hit that account a few times 1797 01:43:40.039 --> 01:43:43.399 a month, and you might two years down the road 1798 01:43:43.520 --> 01:43:46.520 get hit, so they never let it go. 1799 01:43:47.039 --> 01:43:48.359 The only way to do it. 1800 01:43:48.479 --> 01:43:51.399 The only way to protect yourself is to have a 1801 01:43:51.439 --> 01:43:56.880 brand new account and at a brand new bank. If 1802 01:43:56.920 --> 01:43:59.840 the routing number is the same, you're screwed. There's also 1803 01:44:00.119 --> 01:44:02.640 something called a cross collateralization agreement. 1804 01:44:03.319 --> 01:44:04.359 It says when. 1805 01:44:04.199 --> 01:44:07.359 You have an account at that bank and one account 1806 01:44:07.399 --> 01:44:10.800 is overdrawn, they can go into your next account. So 1807 01:44:10.960 --> 01:44:14.600 even though they know you've been defrauded, they they don't 1808 01:44:14.760 --> 01:44:18.600 keep track of your account on someone's desk. So when 1809 01:44:18.640 --> 01:44:22.960 someone puts through an account that bounces, they go to 1810 01:44:23.039 --> 01:44:26.319 any other account you have at that bank to settle 1811 01:44:26.359 --> 01:44:29.199 it and it's the worst news in the world. 1812 01:44:29.039 --> 01:44:30.960 Because I swear to God I had to do this. 1813 01:44:31.880 --> 01:44:34.600 Let me tell you what happened Capital one. 1814 01:44:34.880 --> 01:44:37.520 I had a credit card that was hacked. 1815 01:44:38.760 --> 01:44:43.079 I changed the credit card, they killed the card. 1816 01:44:43.119 --> 01:44:45.840 They sent me a new one. But let me tell 1817 01:44:45.880 --> 01:44:46.319 you something. 1818 01:44:46.720 --> 01:44:50.720 When a charge came through on the old account, they 1819 01:44:50.840 --> 01:44:54.159 honored it with a new card. And I asked them 1820 01:44:54.199 --> 01:44:57.479 why they did it, and they said, oh, you have 1821 01:44:57.560 --> 01:45:01.079 a number of recurring accounts and this one is also 1822 01:45:01.119 --> 01:45:04.359 a recurring account. And I said, wait a minute, I've 1823 01:45:04.399 --> 01:45:08.039 never heard of ABC so and so or whatever it was. 1824 01:45:08.079 --> 01:45:10.680 I'm making that up. And they said, but we don't 1825 01:45:10.680 --> 01:45:13.239 know that. And I said, then why don't you decline it? 1826 01:45:13.920 --> 01:45:17.880 And they say, they don't decline it. They approve them 1827 01:45:18.279 --> 01:45:20.760 until the account holder complains. 1828 01:45:21.279 --> 01:45:25.000 So this game, let me tell you how far I 1829 01:45:25.000 --> 01:45:25.399 had to go. 1830 01:45:25.800 --> 01:45:28.520 So I said, I want to close the entire account 1831 01:45:28.760 --> 01:45:31.479 so no one can put anything through on the card. 1832 01:45:31.760 --> 01:45:33.000 And let me tell you what I had to do. 1833 01:45:33.520 --> 01:45:38.319 I had to reapply and qualify credit wise and have 1834 01:45:38.439 --> 01:45:41.680 a brand new stinking account to stop all of the 1835 01:45:41.800 --> 01:45:42.960 fraudulent charges. 1836 01:45:43.640 --> 01:45:44.000 Again. 1837 01:45:44.359 --> 01:45:47.720 They may not happen for a year, but your information 1838 01:45:47.920 --> 01:45:50.680 is out there and will never go away. So Jim, 1839 01:45:50.720 --> 01:45:54.439 I am begging you to shut down the account. 1840 01:45:54.680 --> 01:45:54.920 Now. 1841 01:45:55.000 --> 01:45:59.960 If you can open a brand new account at an 1842 01:46:00.000 --> 01:46:03.119 another bank, it'll help you. If you love the bank 1843 01:46:03.159 --> 01:46:08.199 you're with, Try a brand new account without a cross 1844 01:46:08.239 --> 01:46:12.319 collateralization agreement. In other words, if you open a new account, 1845 01:46:12.600 --> 01:46:16.600 a brand new account, no pre existing numbers whatsoever, and 1846 01:46:16.720 --> 01:46:20.479 even put a different middle initial or something, make it different, 1847 01:46:20.840 --> 01:46:24.840 and then tell them that this account is not to 1848 01:46:24.880 --> 01:46:31.000 be used in a cross collateralization arrangement, and make sure 1849 01:46:31.199 --> 01:46:34.199 you do not sign one. This sounds like I know 1850 01:46:34.279 --> 01:46:36.560 it sounds you didn't want to hear all this, But 1851 01:46:36.680 --> 01:46:39.159 I swear to God I'm telling you the truth and 1852 01:46:39.199 --> 01:46:42.399 it will sting you if you do not take the precautions. 1853 01:46:42.800 --> 01:46:46.079 Okay, some I'm gonna agree with you because I have 1854 01:46:46.800 --> 01:46:49.159 another account. I do DoorDash, and I have an account 1855 01:46:49.199 --> 01:46:54.159 through them. Someone hit that account about two weeks. 1856 01:46:53.880 --> 01:46:56.640 Ago and they saw Yeah. 1857 01:46:56.680 --> 01:46:59.439 However, when I called door Dash to find out how 1858 01:46:59.479 --> 01:47:02.760 to get into card, it came up. Did you try 1859 01:47:02.880 --> 01:47:05.720 to draw money out on this state and on this state? 1860 01:47:06.560 --> 01:47:08.800 You know we closed that account a week ago. 1861 01:47:09.000 --> 01:47:10.000 Right, well? 1862 01:47:10.079 --> 01:47:12.880 Right, trying to use it, So I agree with you. 1863 01:47:13.800 --> 01:47:16.960 It's close the count. I've said, Chase for twenty years 1864 01:47:17.000 --> 01:47:17.439 over there. 1865 01:47:19.439 --> 01:47:22.079 Now, Chase might accommodate you. They might. 1866 01:47:22.439 --> 01:47:25.479 Chase might let you use an alternate name with a 1867 01:47:25.520 --> 01:47:28.880 different middle initial. They may if you tell them. But 1868 01:47:29.000 --> 01:47:30.960 here's what they're going to tell you, which is false. 1869 01:47:31.199 --> 01:47:32.880 They're going to say, oh, Jim, you don't have to 1870 01:47:32.880 --> 01:47:36.319 worry about that. Once that account is closed and you 1871 01:47:36.359 --> 01:47:39.439 open a new one, they can never get the money 1872 01:47:39.439 --> 01:47:42.640 out of the new account. And you say, well, what 1873 01:47:42.760 --> 01:47:47.159 happens to all my recurring transactions? They won't tell you 1874 01:47:47.199 --> 01:47:50.159 the truth because it's too much work on their part 1875 01:47:50.359 --> 01:47:52.239 and they don't want to run the risk of losing 1876 01:47:52.239 --> 01:47:56.880 you as a customer. But that's the dirty secrets of 1877 01:47:56.960 --> 01:48:00.920 banking that new credit cards don't protect you, and new 1878 01:48:00.960 --> 01:48:04.680 accounts don't protect you. You have to close and move 1879 01:48:04.760 --> 01:48:06.159 to another institution. 1880 01:48:06.680 --> 01:48:07.119 I did. 1881 01:48:07.439 --> 01:48:12.359 I had to close every every conceivable relationship I had 1882 01:48:12.399 --> 01:48:16.119 with Chase. I had to and you might have to 1883 01:48:16.119 --> 01:48:19.239 do the same thing. And it's not Chase's problem. It's 1884 01:48:19.279 --> 01:48:25.000 just fraud. And I have a suggestion for people to 1885 01:48:26.279 --> 01:48:33.680 end this. We really need hard keys, something that we 1886 01:48:34.319 --> 01:48:39.720 have to present or wave or scan, and that hard 1887 01:48:39.840 --> 01:48:43.039 key has to be encrypted in such a way that 1888 01:48:43.159 --> 01:48:44.640 it can't be duplicated. 1889 01:48:45.720 --> 01:48:46.880 There's got to be a. 1890 01:48:46.760 --> 01:48:51.119 Way because right now, with all the electronic transfers, we 1891 01:48:51.279 --> 01:48:58.560 have tremendous fraud going on, tremendous fraud. It's one online 1892 01:48:58.680 --> 01:49:02.039 and digital crime is the number one crime right now. 1893 01:49:02.319 --> 01:49:07.199 Number one takes more money than anything. Jim, I appreciate 1894 01:49:07.239 --> 01:49:11.199 you calling. You brought up a really, really really important problem. 1895 01:49:11.239 --> 01:49:13.600 You really did, all right, thank you? 1896 01:49:13.880 --> 01:49:16.760 And Rich, go ahead, Rich, you have a comment on 1897 01:49:16.840 --> 01:49:18.279 bank cards and fraud. 1898 01:49:18.319 --> 01:49:20.439 Go ahead. Rich. 1899 01:49:20.640 --> 01:49:23.920 So I've talked to you before about my wife getting 1900 01:49:23.960 --> 01:49:29.520 scammed last year for ten grand and they did some 1901 01:49:29.800 --> 01:49:35.359 uh transactions, some zell transactions from our first bank. So 1902 01:49:35.399 --> 01:49:38.119 we took your advice and we shut down left that 1903 01:49:38.439 --> 01:49:42.960 left key bank completely went to another bank, and they're 1904 01:49:43.039 --> 01:49:44.399 hitting her on that bank. 1905 01:49:45.479 --> 01:49:49.720 So, oh my god, wait a minute, how the hell 1906 01:49:49.760 --> 01:49:51.560 did they follow her? Rich? 1907 01:49:52.359 --> 01:49:54.840 Your theory of going to a different banks not working 1908 01:49:54.920 --> 01:49:55.720 for us. 1909 01:49:57.399 --> 01:50:01.399 But I want to analyze this, Rich, you actually wait, 1910 01:50:01.479 --> 01:50:02.439 let me take this break. 1911 01:50:02.479 --> 01:50:03.520 This is amazing to me. 1912 01:50:03.840 --> 01:50:07.399 You actually shut it down now that this tells me 1913 01:50:07.439 --> 01:50:09.640 they got something in her phone or something. Hold on, 1914 01:50:09.960 --> 01:50:18.159 we'll talk about this and more coming up. Go with 1915 01:50:18.239 --> 01:50:21.800 a sure thing Denver's Best roofer Excel Roofing dot com. 1916 01:50:21.840 --> 01:50:27.479 You don't pay a cent until you're content. Wait time 1917 01:50:27.520 --> 01:50:30.439 for an insurance check up free, no obligation. In comparison, 1918 01:50:30.560 --> 01:50:34.119 call Compass Insurance paying too much your coverage at dozens 1919 01:50:34.119 --> 01:50:36.840 of insurance companies find out now three all three seven 1920 01:50:36.880 --> 01:50:39.239 to seven to one help. You'll think you're his only 1921 01:50:39.319 --> 01:50:41.800 customer when you choose Frank durand the real estate Man 1922 01:50:41.840 --> 01:50:45.199 dot com to list your home with Remax Alliance three 1923 01:50:45.279 --> 01:50:53.479 oh three nine two zero sixteen twenty two. This hour 1924 01:50:53.840 --> 01:50:56.840 brought to you by One Clear Choice Garage Doors, the 1925 01:50:56.920 --> 01:50:59.279 people that are Ready twenty four to seven free garage 1926 01:50:59.319 --> 01:51:02.279 doors if you have a broken spring or something in emergency. 1927 01:51:02.600 --> 01:51:05.439 All of their prices are on their website and everything 1928 01:51:05.479 --> 01:51:08.359 they do. And I've been using them for fifteen or 1929 01:51:08.359 --> 01:51:16.840 twenty years. Here's the website, One Clear Choice doores dot com. 1930 01:51:16.880 --> 01:51:22.319 Everything spelled out there. Okay, Rich said, this is really queer. 1931 01:51:22.479 --> 01:51:29.640 Rich said, Hey, my wife's card was hacked. We changed banks. 1932 01:51:29.319 --> 01:51:30.600 And they followed her. 1933 01:51:31.119 --> 01:51:34.880 I don't understand that, Rich, So what kind of a 1934 01:51:34.920 --> 01:51:38.159 scam or how do we know it's not a new scam? 1935 01:51:38.880 --> 01:51:41.920 All right, good, let's go from the very beginning of 1936 01:51:41.439 --> 01:51:45.039 the first bank. So they got her hook line and sinker. 1937 01:51:45.119 --> 01:51:46.279 We figured this all out. 1938 01:51:46.319 --> 01:51:48.479 What they did is they. 1939 01:51:48.239 --> 01:51:53.000 Called and introduced themselves as the fraud department from Key Bank. 1940 01:51:53.960 --> 01:51:57.479 Then they asked you, can you confirm your social Security number? 1941 01:51:57.520 --> 01:52:02.239 Can you confirm your address? They got so much information 1942 01:52:02.479 --> 01:52:04.479 from her because they said it was They were very 1943 01:52:04.520 --> 01:52:08.960 convincing and they said that we see some fraud on 1944 01:52:09.000 --> 01:52:15.079 your account. So yeah, somehow they've followed us, and they. 1945 01:52:14.920 --> 01:52:18.560 Have well either they followed there is not so much 1946 01:52:19.640 --> 01:52:23.119 they're following you as they are. Well, yeah, they are 1947 01:52:23.159 --> 01:52:27.199 following you, but it's not the bank that they were targeting. 1948 01:52:27.279 --> 01:52:30.800 It's her. So I think, no matter where she goes, 1949 01:52:31.359 --> 01:52:33.239 she has this monkey on her back. 1950 01:52:33.520 --> 01:52:36.239 What we have to do is figure out how to 1951 01:52:36.239 --> 01:52:38.399 get rid of it. So here's what I want to know. 1952 01:52:38.439 --> 01:52:38.800 Got it? 1953 01:52:39.239 --> 01:52:42.800 What do they What do they do? Okay, what did 1954 01:52:42.840 --> 01:52:43.039 you do? 1955 01:52:44.359 --> 01:52:47.720 So the last two the last two were Apple pay 1956 01:52:48.279 --> 01:52:52.960 where they got five hundred dollars each time twice the 1957 01:52:53.039 --> 01:52:55.319 bank gave it back. But it takes time. So what 1958 01:52:55.359 --> 01:52:56.800 we're doing. Now, I know. 1959 01:52:57.119 --> 01:53:02.279 What is called a clear card. So we we told 1960 01:53:02.279 --> 01:53:03.359 them this after what you. 1961 01:53:03.319 --> 01:53:06.239 Said, no no cross. 1962 01:53:05.880 --> 01:53:11.600 Uh collateralization, no cross collateralization realization. 1963 01:53:12.319 --> 01:53:16.079 And our our our ATM card is called a clear card. 1964 01:53:16.199 --> 01:53:20.119 So we only keep what money in there is what 1965 01:53:20.159 --> 01:53:23.479 we spend, so we don't let our paychecks go to 1966 01:53:23.520 --> 01:53:27.800 there or anything and into this into this card. 1967 01:53:27.920 --> 01:53:29.039 So if we want to go to the. 1968 01:53:29.479 --> 01:53:32.720 Grocery store and we want to, uh, all we got 1969 01:53:32.720 --> 01:53:34.720 to do is on our phone is transfer out and 1970 01:53:34.800 --> 01:53:37.520 I do it on my phone, not her phone. It 1971 01:53:37.560 --> 01:53:40.079 is transfer two hundred dollars for groceries. So this clear 1972 01:53:40.119 --> 01:53:43.600 card and if you can use the clear card. This 1973 01:53:44.239 --> 01:53:47.880 that's gone through three eight three at MS now since 1974 01:53:47.880 --> 01:53:50.399 we've had it in January. I'm on the same one. 1975 01:53:50.800 --> 01:53:52.960 So it's not me that they're following. 1976 01:53:53.720 --> 01:53:56.319 No, I know, I know, you know. 1977 01:53:57.000 --> 01:54:01.439 I just think you have Oh my god, it is 1978 01:54:01.560 --> 01:54:03.560 it's getting to be crazy. 1979 01:54:03.840 --> 01:54:04.199 Character. 1980 01:54:04.359 --> 01:54:06.520 There's got to be a way to do it. But 1981 01:54:06.960 --> 01:54:08.720 people give too much information. 1982 01:54:09.399 --> 01:54:13.279 I say, don't do anything on the phone, but I 1983 01:54:13.319 --> 01:54:15.880 don't know. Rich, thank you for the enlightenment. 1984 01:54:16.239 --> 01:54:24.800 He's saying, go ahead, forell them back. Yeah, now I 1985 01:54:24.880 --> 01:54:27.319 think that you're doing the right thing for you. Everybody 1986 01:54:27.439 --> 01:54:29.159 is going to have a different solution. But here's the 1987 01:54:29.199 --> 01:54:33.039 main here's the main deal. Do not keep in the 1988 01:54:33.079 --> 01:54:38.520 same bank if you suspect you've been hacked. Now, as 1989 01:54:38.560 --> 01:54:42.279 with them, they just were hacked. Their life is hacked. 1990 01:54:42.680 --> 01:54:45.119 We got to watch out for devices on our phones 1991 01:54:45.159 --> 01:54:48.600 as well, and there are many good programs for that. Now, 1992 01:54:49.319 --> 01:54:54.000 Renita or Renetta, Rinita, you have a question on real estate. Oh, 1993 01:54:54.079 --> 01:54:56.119 I used to do a lot of real estate, Renetta, 1994 01:54:56.159 --> 01:54:58.359 what is your concern or question? 1995 01:55:00.119 --> 01:55:00.560 Only of the. 1996 01:55:00.640 --> 01:55:05.359 Question having to do with a fire at my home 1997 01:55:06.439 --> 01:55:11.079 And they came in and did an asbestos testing within 1998 01:55:11.159 --> 01:55:16.000 the home itself, and the results came back. And my 1999 01:55:16.079 --> 01:55:20.960 home was built in nineteen forty six. And anyhow, the 2000 01:55:21.039 --> 01:55:24.399 testing came back and said that the entrance way was 2001 01:55:24.560 --> 01:55:28.560 like at seventeen and the other high point was in 2002 01:55:28.600 --> 01:55:33.199 the kitchen in the lighting fixtures, and that was a 2003 01:55:33.199 --> 01:55:36.079 little bit high, but not like a seven. But the 2004 01:55:36.119 --> 01:55:38.600 rest of the house came out to be like twos 2005 01:55:38.760 --> 01:55:42.039 and trees and stuff like that. Well, anyhow, I have 2006 01:55:42.119 --> 01:55:46.560 a detached garage. The garage was packed by the fire. 2007 01:55:47.159 --> 01:55:51.399 But they're saying that there is asbestos degree in the 2008 01:55:51.399 --> 01:55:54.840 garage and they want to do to get rid of 2009 01:55:54.880 --> 01:55:57.960 everything in the garage now and I haven't locked up, 2010 01:55:58.039 --> 01:56:01.520 and I have had it locked up doing this whole thing, 2011 01:56:01.960 --> 01:56:07.039 but I do unlock it to do in myself. And 2012 01:56:07.079 --> 01:56:10.840 they're saying that I can't brought the asbestos in by 2013 01:56:12.199 --> 01:56:13.119 my tracking. 2014 01:56:15.000 --> 01:56:19.239 Well, hold on, now, Renetta, if you brought the asbestos 2015 01:56:19.359 --> 01:56:23.319 in from the tracking, that's not a source and that's 2016 01:56:23.439 --> 01:56:24.680 easily cleaned up. 2017 01:56:26.439 --> 01:56:29.720 If it's not being sourced there, you don't have to 2018 01:56:29.760 --> 01:56:32.000 worry about it. You just have to get it cleaned up. 2019 01:56:33.800 --> 01:56:35.000 And how do I do that? 2020 01:56:36.399 --> 01:56:36.880 Okay? 2021 01:56:37.319 --> 01:56:40.359 First and foremost, I want to make sure you're being 2022 01:56:40.399 --> 01:56:44.000 handled properly by these companies. So what is this company 2023 01:56:44.079 --> 01:56:47.359 proposing you do in the garage? What are they proposing 2024 01:56:47.399 --> 01:56:47.640 you do? 2025 01:56:48.720 --> 01:56:51.960 You're rid of all my stuff because it's. 2026 01:56:51.840 --> 01:56:54.600 Okay, but they don't. 2027 01:56:54.640 --> 01:56:58.119 They're not doing any great remodeling in that garage, are they? 2028 01:56:58.880 --> 01:57:00.880 Nope? And he never tested. 2029 01:57:03.000 --> 01:57:03.439 Okay. 2030 01:57:04.159 --> 01:57:07.840 What I'm concerned about is this, where is the asbestos 2031 01:57:07.920 --> 01:57:11.960 coming from that's showing up in the garage. Is it 2032 01:57:12.000 --> 01:57:16.680 coming from a source or is it coming from being 2033 01:57:16.760 --> 01:57:20.720 tracked in that's what we have to determine first. Once 2034 01:57:20.760 --> 01:57:25.039 you determine that, then what you do is attack it. 2035 01:57:26.119 --> 01:57:30.960 So it really depends on what a good company finds. 2036 01:57:31.520 --> 01:57:36.079 It could be that you're going to need to you know, 2037 01:57:36.239 --> 01:57:38.720 tent it and do it properly from the ground up, 2038 01:57:38.920 --> 01:57:40.560 but your insurance should pay for that. 2039 01:57:41.960 --> 01:57:47.560 So I what we need, you know, I wish Mark 2040 01:57:47.640 --> 01:57:48.600 and Suzanne we're here. 2041 01:57:49.159 --> 01:57:51.680 I don't know if we have and I think Susan 2042 01:57:51.760 --> 01:57:54.920 is listening. Mark might be listening. We need to find 2043 01:57:55.399 --> 01:57:58.600 on our referral list. I think we have some asbestos people. 2044 01:57:59.119 --> 01:58:02.720 I would get some one that we know and trust first, 2045 01:58:03.279 --> 01:58:09.159 just to find out if in fact you have a 2046 01:58:09.359 --> 01:58:15.199 source or it's just environmental from being tracked in. Did 2047 01:58:15.199 --> 01:58:18.560 this existing company give you an idea? 2048 01:58:18.760 --> 01:58:19.680 What did they say? 2049 01:58:19.760 --> 01:58:22.760 They thought it was just debris from being tracked in. 2050 01:58:24.760 --> 01:58:27.840 No, they're saying that it was within the house. 2051 01:58:29.840 --> 01:58:30.680 I understand that. 2052 01:58:31.159 --> 01:58:35.479 But did they say that the one in your garage, 2053 01:58:35.640 --> 01:58:39.279 the asbestos in your garage, where do they say that's coming. 2054 01:58:39.039 --> 01:58:46.000 From being trapped in that There isn't any asbestos in 2055 01:58:46.039 --> 01:58:47.119 the garage itself. 2056 01:58:47.760 --> 01:58:52.159 Okay, okay, that's good, that's good news. Did they determine 2057 01:58:52.199 --> 01:58:55.279 that that there's no asbestos in the garage? 2058 01:58:56.239 --> 01:58:58.960 Should I have it read? I mean, should I hire 2059 01:58:59.000 --> 01:59:00.840 somebody to piss the garage? 2060 01:59:02.279 --> 01:59:06.399 Well? Yes, but are you here's trying to get at 2061 01:59:06.840 --> 01:59:10.319 your main concern is you don't want to throw away 2062 01:59:10.319 --> 01:59:11.800 all your stuff in the garage. 2063 01:59:12.600 --> 01:59:15.520 No, I want to keep all of it. 2064 01:59:15.920 --> 01:59:20.239 Well, your insurance should pay Your insurance should pay for 2065 01:59:20.319 --> 01:59:20.880 cleaning it. 2066 01:59:21.560 --> 01:59:22.640 So what's the issue. 2067 01:59:24.880 --> 01:59:29.239 The issue is that there is no ASBESTUS in the 2068 01:59:29.239 --> 01:59:33.800 garage itself, and they did not test the garage, and. 2069 01:59:34.119 --> 01:59:37.359 No, I understand, but what's the issue about getting your 2070 01:59:37.399 --> 01:59:38.159 stuff cleaned? 2071 01:59:39.560 --> 01:59:43.439 It isn't that it's getting cleaned. It's just that they're 2072 01:59:43.520 --> 01:59:48.600 saying that there's ASBESTUS on the outside of my home 2073 01:59:48.640 --> 01:59:51.600 and stuff, and the hot fire was on the south side, 2074 01:59:52.239 --> 01:59:59.079 and they don't have that plastic down or what do 2075 01:59:59.119 --> 02:00:02.760 I want to call it in pain or whatever? But 2076 02:00:02.920 --> 02:00:07.760 the rest place, okay, I don't know what. 2077 02:00:09.079 --> 02:00:12.680 All right, it's okay, it's okay, Rannetta. Listen. I think 2078 02:00:12.720 --> 02:00:17.319 what you're I think what you're asking. You're asking if. 2079 02:00:17.159 --> 02:00:20.800 We had a SBESIS tracked into the garage and if 2080 02:00:20.840 --> 02:00:22.520 my stuff was contaminated. 2081 02:00:22.880 --> 02:00:25.840 Can it be cleaned. That's what you're asking, right. 2082 02:00:31.960 --> 02:00:34.840 What is that noise I'm hearing in the background are 2083 02:00:34.880 --> 02:00:35.720 people talking? 2084 02:00:35.800 --> 02:00:36.680 Do you have the radio on? 2085 02:00:36.960 --> 02:00:38.479 If you have the radio on, You're going to be 2086 02:00:38.600 --> 02:00:42.399 very very confused, So I suggest you turn the radio 2087 02:00:42.479 --> 02:00:45.920 down and not listen to us. So I'm asking you, 2088 02:00:46.000 --> 02:00:49.680 this is the main reason for the call. You want 2089 02:00:49.720 --> 02:00:53.640 to know if you had you know if you have 2090 02:00:53.680 --> 02:00:55.840 to get rid of your stuff or can it be cleaned? 2091 02:00:56.159 --> 02:00:57.960 Is that the main purpose of your call? 2092 02:01:00.760 --> 02:01:04.720 No, the main purpose of my call is having to 2093 02:01:04.760 --> 02:01:06.199 do with ess. 2094 02:01:06.840 --> 02:01:11.600 I mean they're saying that the around my house on 2095 02:01:11.640 --> 02:01:14.680 the south side where the fire was at, that is 2096 02:01:15.319 --> 02:01:20.239 where this would be. But they don't have it contained 2097 02:01:20.359 --> 02:01:25.520 or anything there. It's flying ill bound in everything else. 2098 02:01:26.479 --> 02:01:27.239 No, I get it. 2099 02:01:27.760 --> 02:01:31.039 So what is the purpose? I'm trying to figure out 2100 02:01:31.119 --> 02:01:33.720 what you want from us? Like, we want to help you. 2101 02:01:34.119 --> 02:01:36.760 What did you call about? What is your main question? 2102 02:01:41.039 --> 02:01:44.199 Can my stuff in the house be cleaned? 2103 02:01:46.000 --> 02:01:49.239 Okay, That's what I'm trying to figure out. So let's 2104 02:01:49.279 --> 02:01:51.600 get Rock on and we might have to have you 2105 02:01:51.640 --> 02:01:52.239 on tomorrow. 2106 02:01:52.520 --> 02:01:53.640 We have Rock. 2107 02:01:53.720 --> 02:01:57.520 Who is with American Restoration twenty four to seven. He's 2108 02:01:57.560 --> 02:01:59.960 a good guy and he knows a lot about this. 2109 02:02:00.119 --> 02:02:03.960 I want to ask him, not necessarily that you hire him, 2110 02:02:04.119 --> 02:02:06.680 but I want to ask him about the procedure when 2111 02:02:06.680 --> 02:02:09.600 it comes to asbestos. So hang on there, I gotta 2112 02:02:09.640 --> 02:02:11.119 take Do I have to take this break? 2113 02:02:11.119 --> 02:02:12.000 Am I behind here? 2114 02:02:12.000 --> 02:02:12.159 Bro? 2115 02:02:13.039 --> 02:02:15.239 Okay, I'm going to take this break. Three oh three 2116 02:02:15.359 --> 02:02:23.279 seven one three eight two five five. Hang on, Renetta, 2117 02:02:23.359 --> 02:02:26.640 go with a sure thing Denver's best roofer Excel Roofing 2118 02:02:26.760 --> 02:02:27.319 dot com. 2119 02:02:27.359 --> 02:02:29.399 You don't pay a cent until you're content. 2120 02:02:30.960 --> 02:02:35.239 Wait time for an insurance check up free, no obligation 2121 02:02:35.239 --> 02:02:39.079 in comparison, call Compass Insurance paying too much your coverage 2122 02:02:39.119 --> 02:02:41.800 at dozens of insurance companies find out now three oh 2123 02:02:41.840 --> 02:02:44.199 three seven to seven to one help. You'll think you're 2124 02:02:44.199 --> 02:02:46.720 his only customer when you choose Frank durand the real 2125 02:02:46.840 --> 02:02:49.840 estate Man dot com to list your home with Remax 2126 02:02:49.880 --> 02:02:52.920 Alliance three oh three nine two zero sixteen twenty two. 2127 02:02:56.760 --> 02:03:00.359 Hi Tom Martino here three oh three seven on three 2128 02:03:00.399 --> 02:03:02.920 talks seven on three eight two five five. Let's get 2129 02:03:03.000 --> 02:03:07.760 rock on from American Restoration twenty four to seven and 2130 02:03:07.920 --> 02:03:12.079 rest two four to seven dot com. Hey Rock, Yes, 2131 02:03:12.319 --> 02:03:17.960 how you doing Rock? So on on this kind. 2132 02:03:17.880 --> 02:03:19.399 Of asbestos stuff. 2133 02:03:21.439 --> 02:03:24.560 She has. She had a fire in her house. They 2134 02:03:24.640 --> 02:03:29.319 discovered asbestos in some areas, just two main areas, and 2135 02:03:29.399 --> 02:03:33.720 then they said out in the garage there was some 2136 02:03:33.800 --> 02:03:37.520 asbestos that showed up in the air, and they believe 2137 02:03:37.640 --> 02:03:41.680 that is from her tracking it into the garage from 2138 02:03:41.760 --> 02:03:45.000 the house. Now, Renetta, I want to ask you something. 2139 02:03:45.600 --> 02:03:49.319 After the fire, did you move anything from the house 2140 02:03:49.840 --> 02:03:50.840 into the garage? 2141 02:03:52.399 --> 02:03:52.479 No? 2142 02:03:54.800 --> 02:03:58.039 Okay. They just think from you moving in and out 2143 02:03:58.079 --> 02:04:05.439 of the garage that you can tab minated it. Yeah, okay. 2144 02:04:05.880 --> 02:04:07.439 Now my next question for you. 2145 02:04:07.880 --> 02:04:11.000 Are they saying you need to throw away all of 2146 02:04:11.039 --> 02:04:15.279 your personal property in the house and garage? 2147 02:04:15.199 --> 02:04:15.279 Ye? 2148 02:04:15.880 --> 02:04:20.479 Yes, okay, And you want to know and here's the 2149 02:04:20.600 --> 02:04:22.640 sixty four thousand dollars question rock. 2150 02:04:23.279 --> 02:04:26.079 Can personal belongings be cleaned. 2151 02:04:27.840 --> 02:04:31.960 Out of scent? Clothing can be laundered. Now, couches and 2152 02:04:32.000 --> 02:04:35.239 things of that nature. I would render those, you know, 2153 02:04:35.239 --> 02:04:38.000 because those are deep, deep set type of things. 2154 02:04:39.680 --> 02:04:42.479 You throw them out, those out, I would throw them out. 2155 02:04:43.079 --> 02:04:48.479 Anything stofts, anything steel can be cleaned to to industry standards. 2156 02:04:49.920 --> 02:04:54.680 Clothes can be laundered, and I would just do it 2157 02:04:54.720 --> 02:04:55.600 on that basis. 2158 02:04:56.479 --> 02:04:57.279 You know what, what. 2159 02:04:57.319 --> 02:05:00.000 About plastic stuff? What about plastic stuff? 2160 02:05:01.880 --> 02:05:05.359 Yes, if it's if it's if it's you know, TV, 2161 02:05:05.520 --> 02:05:08.239 a TV, even though you just spent one thousand dollars 2162 02:05:08.279 --> 02:05:12.880 on a brand new TV. It's yours under your discretion 2163 02:05:13.000 --> 02:05:15.920 to clean it and keep it. But it would never 2164 02:05:16.000 --> 02:05:20.840 be one hundred percent cleaned or or should we should say, uh, 2165 02:05:21.399 --> 02:05:26.079 contaminant free. Now, because of the nature of fire, those 2166 02:05:26.880 --> 02:05:32.239 the whole place is pretty much considered contaminated garage. If 2167 02:05:32.279 --> 02:05:36.680 the ac of the ventilation systemas on the fire renders 2168 02:05:36.840 --> 02:05:40.119 quite a bit contaminated. That's just the nature of fire. 2169 02:05:40.399 --> 02:05:43.359 There's nothing anybody and those fibers are very very small. 2170 02:05:43.359 --> 02:05:44.880 They can be around very easy. 2171 02:05:45.000 --> 02:05:48.640 So here's the thing, Renetta, your question was, can your 2172 02:05:48.680 --> 02:05:54.800 personal belongings be cleaned? Rock is saying yes, under certain circumstances, 2173 02:05:55.079 --> 02:05:56.239 they can be cleaned. 2174 02:05:57.239 --> 02:06:00.800 Why it in front of the fire. 2175 02:06:02.640 --> 02:06:05.119 Is there someone else talking to you, Renetta? 2176 02:06:05.520 --> 02:06:09.000 I get the feeling you're talking to someone else, are you, Renetta? 2177 02:06:09.800 --> 02:06:10.000 Yes? 2178 02:06:10.520 --> 02:06:14.079 Yeah, see yes, put that person. Put that person on 2179 02:06:14.119 --> 02:06:16.359 the phone. Just put them on the phone, so we 2180 02:06:16.359 --> 02:06:18.960 don't have the relay tag. Just put them on the phone. 2181 02:06:19.119 --> 02:06:22.479 Part of the question is if the garage was closed 2182 02:06:23.159 --> 02:06:27.359 and secured, not attached to the house in which the 2183 02:06:27.399 --> 02:06:32.520 fire was happened, right, why would the garage even be 2184 02:06:32.720 --> 02:06:39.520 part the situation? Being said? There was no testing, there 2185 02:06:39.600 --> 02:06:43.119 was no checking, the doors were not open. It wasn't 2186 02:06:43.239 --> 02:06:45.520 like it was everything was closed. 2187 02:06:45.560 --> 02:06:49.479 They want to know why the garage is even included 2188 02:06:49.520 --> 02:06:50.600 in this whole mess. 2189 02:06:51.119 --> 02:06:51.359 Rock. 2190 02:06:53.399 --> 02:06:58.119 If the testing proves that they're if there's contamination, you 2191 02:06:58.159 --> 02:07:01.039 know you I can't argue with testing at That's why 2192 02:07:01.039 --> 02:07:05.199 you do laboratory testing. It's their property, it's it's the 2193 02:07:05.439 --> 02:07:11.399 it's it's they can choose to inhabit or have this 2194 02:07:11.680 --> 02:07:15.239 clean to industry standards. It's under their discretion. 2195 02:07:16.119 --> 02:07:18.600 But so here's what I'm asking Rock. 2196 02:07:18.960 --> 02:07:22.760 There is no law or requirement if if if if 2197 02:07:22.800 --> 02:07:25.960 they say, if this company is saying you got to 2198 02:07:25.960 --> 02:07:28.720 throw your stuff out and you can't use the garage, 2199 02:07:28.840 --> 02:07:31.840 I mean, we got to clean the garage. Can they 2200 02:07:31.880 --> 02:07:34.880 simply refuse that service or is there any law that 2201 02:07:34.960 --> 02:07:36.479 says they have to have it done. 2202 02:07:38.319 --> 02:07:41.279 No, there's no law. No, it's their stuff. It is 2203 02:07:41.319 --> 02:07:42.479 their stuff out there. 2204 02:07:42.520 --> 02:07:42.720 Now. 2205 02:07:42.760 --> 02:07:47.479 If they are property managers or they have renters, that's 2206 02:07:47.520 --> 02:07:50.960 a different situation. But if it's their house and they 2207 02:07:51.000 --> 02:07:54.319 want to live in it's it's up to their their discretion. 2208 02:07:55.000 --> 02:08:00.520 Now, So Renetta, Renetta and your friend, they're saying, you 2209 02:08:00.600 --> 02:08:03.520 don't have to go by each and every recommendation of 2210 02:08:03.560 --> 02:08:04.159 the company. 2211 02:08:04.600 --> 02:08:08.159 You can pick and choose what you want to do, okay. 2212 02:08:08.199 --> 02:08:10.159 And that's and with that, I got to take a break. 2213 02:08:10.359 --> 02:08:13.039 So Renetta, I mean, you're welcome to come back on 2214 02:08:13.199 --> 02:08:17.199 with Rock tomorrow and we'll get more into it directly. 2215 02:08:17.560 --> 02:08:19.600 And if you want him to come over and look 2216 02:08:19.640 --> 02:08:21.760 at it, he can do that too, But I have 2217 02:08:21.840 --> 02:08:25.159 to take this break. Rock was with American Restoration twenty 2218 02:08:25.199 --> 02:08:27.640 four to seven amrest two four seven dot com. 2219 02:08:27.640 --> 02:08:28.600 More coming right up.