WEBVTT 1 00:00:00.400 --> 00:00:05.919 Yea ripped up. 2 00:00:08.599 --> 00:00:10.400 Dead by so you don't have. 3 00:00:12.599 --> 00:00:17.320 Come running just as fast as the can Shooter's gonna 4 00:00:17.359 --> 00:00:20.120 help come, Man Dix. 5 00:00:20.519 --> 00:00:25.239 Is the Troubleshooter Show now, Tom Martine, Hey, hey. 6 00:00:25.039 --> 00:00:28.600 Hey, Tom Martino. Here, My goodness, gracious, I have a 7 00:00:28.640 --> 00:00:31.920 studio full of people here, plus deputy Doc back at 8 00:00:31.920 --> 00:00:34.679 the flagship. So welcome to the show. Three oh three 9 00:00:34.840 --> 00:00:37.759 seven one three talk seven one three eight two five five. 10 00:00:38.159 --> 00:00:40.359 If you happen to be streaming the show, we are. 11 00:00:41.479 --> 00:00:43.359 I think we're live right now. Yeah, okay, on the 12 00:00:43.399 --> 00:00:45.759 YouTube and we have as you can see a bunch 13 00:00:45.799 --> 00:00:50.000 of people here and welcome people, Welcome, welcome one and all. Uh, 14 00:00:50.079 --> 00:00:52.079 let me explain we got uh, let me turn on 15 00:00:52.119 --> 00:00:54.960 the mics here. So Chris is from let me turn 16 00:00:55.000 --> 00:00:58.560 that off here. Chris is from Discount Bath and thanks 17 00:00:58.640 --> 00:01:00.799 Chris for being here. Always a pre you being here 18 00:01:01.200 --> 00:01:04.400 discount bath dot com. I hope people are utilizing that 19 00:01:04.439 --> 00:01:09.480 link that you have in order to uh, in order 20 00:01:09.560 --> 00:01:12.640 to upload videos they are. Is it working? Yeah, it's 21 00:01:12.640 --> 00:01:16.439 working great, Okay, explain so you can price something, by 22 00:01:16.480 --> 00:01:19.079 the way, without going there looking at the video. I mean, 23 00:01:19.280 --> 00:01:21.519 there's no magic any more. To home improvements. I mean, 24 00:01:21.560 --> 00:01:24.920 there might be a few alterations here or there, but 25 00:01:25.480 --> 00:01:28.760 mainly if they give you a video from the cell 26 00:01:28.799 --> 00:01:31.319 phone of a hall room bath or a master bath 27 00:01:31.480 --> 00:01:35.840 or roughed in area in the basement where the pipes 28 00:01:35.879 --> 00:01:38.079 are and stuff, you can pretty much know what it needs. 29 00:01:38.239 --> 00:01:41.200 Yeah, for the most part. The bigger master baths can 30 00:01:41.239 --> 00:01:43.280 get complicated, especially when we're moving walls. 31 00:01:43.280 --> 00:01:44.760 But yeah, but you might want to call them, but 32 00:01:45.840 --> 00:01:47.239 most of them you can give them an idea. 33 00:01:47.319 --> 00:01:49.480 Yeah, we can give them an idea, and often with 34 00:01:49.840 --> 00:01:52.120 just a quick conversation or a video, we can get 35 00:01:52.159 --> 00:01:52.680 them a number. 36 00:01:52.719 --> 00:01:55.200 Now, people call us at anytime twenty four to seven, 37 00:01:55.239 --> 00:01:57.040 three oh three Martino, and we'll get right back to 38 00:01:57.200 --> 00:01:58.799 or you can call when we're on the our three 39 00:01:58.840 --> 00:02:00.680 o three seven to one to three seven one three 40 00:02:00.719 --> 00:02:02.799 eight two five five. And I have other guests with me. 41 00:02:02.840 --> 00:02:04.799 I have Deputy D with me. Of course, he's here, 42 00:02:04.840 --> 00:02:08.280 and then Deputy Bo, Deputy Bow's here, and then Doc's 43 00:02:08.319 --> 00:02:11.120 back at the studio, I believe. So that's good because 44 00:02:11.159 --> 00:02:12.919 I couldn't fit one more person here if I had 45 00:02:12.919 --> 00:02:15.319 to three oh three seven one three talk. I'm gonna 46 00:02:15.319 --> 00:02:16.759 go to the phones, right now I'm going to talk 47 00:02:16.800 --> 00:02:22.560 to deb Debbie wants to talk about social Security. Hi, Debbie, 48 00:02:22.560 --> 00:02:23.680 what's going on with you? 49 00:02:25.240 --> 00:02:29.400 We're getting a little static. Well, the quick version, as 50 00:02:29.479 --> 00:02:31.919 quick as possible. Four years ago, I went to Social 51 00:02:31.919 --> 00:02:34.840 Security and applied for the wife's benefits. 52 00:02:35.400 --> 00:02:37.680 Okay, so hold on, so how old are you? 53 00:02:39.120 --> 00:02:40.439 Oh? God, seventy? 54 00:02:41.199 --> 00:02:46.080 Okay, So you went to apply for wives benefits because 55 00:02:46.120 --> 00:02:47.039 your husband died. 56 00:02:48.479 --> 00:02:51.240 No, you can get it if you've been married ten years. 57 00:02:51.840 --> 00:02:54.719 Oh that's right. No, that that's right. That's right. If 58 00:02:54.719 --> 00:02:56.800 you were married ten years to someone and you're an 59 00:02:56.840 --> 00:03:00.560 ex wife, you can get up to the spouse benefit. 60 00:03:00.599 --> 00:03:01.039 That's right. 61 00:03:02.400 --> 00:03:09.400 Yeah, I guess that's what it's called. Anyway, I have 62 00:03:09.479 --> 00:03:14.919 the equivalent of PARA. Okay, so basically I don't have 63 00:03:14.960 --> 00:03:18.439 any of my own Social Security. Okay, it's and I 64 00:03:18.439 --> 00:03:21.759 get benefits from PARA and then the Alaska state all 65 00:03:21.840 --> 00:03:25.520 right away. Four years ago, I went in and I applied, 66 00:03:26.319 --> 00:03:27.800 sat in the little back room and the guy did 67 00:03:27.840 --> 00:03:30.840 all the paperwork. And I do not remember if he 68 00:03:30.879 --> 00:03:34.400 didn't ask or they didn't have it, I don't know, 69 00:03:34.680 --> 00:03:39.319 but they didn't have my pensions from Alaska because I 70 00:03:39.319 --> 00:03:40.360 worked up there for a long time. 71 00:03:40.639 --> 00:03:43.159 Now, Now, when you say Alaska, was that the para 72 00:03:43.240 --> 00:03:45.520 you're talking about? Or is that in addition. 73 00:03:45.240 --> 00:03:49.560 To para, it's the equivalent of a para of Paris. 74 00:03:49.639 --> 00:03:52.599 Okay, So it's not para, it's just did you work 75 00:03:52.639 --> 00:03:54.120 in the Alaskan school system? 76 00:03:55.240 --> 00:03:55.479 Yes? 77 00:03:55.560 --> 00:03:55.960 I did? 78 00:03:56.759 --> 00:04:03.159 Okay anyway, Okay, So anyway, that information did not get 79 00:04:03.159 --> 00:04:07.599 into my application four years ago. Okay, there, so. 80 00:04:08.159 --> 00:04:11.400 Where were they? Okay, keep going then, go ahead anyway, 81 00:04:11.680 --> 00:04:12.000 So a. 82 00:04:11.960 --> 00:04:14.879 Couple of months ago I get a actual bill from 83 00:04:14.919 --> 00:04:20.000 Medicare okay, And then the beginning of this month, I 84 00:04:20.079 --> 00:04:23.079 get a note saying that I owe the Social Security 85 00:04:23.079 --> 00:04:28.120 folks twenty seven thousand dollars because of they paid me. 86 00:04:28.600 --> 00:04:32.319 What's double dipping or something like that. I got paid 87 00:04:32.319 --> 00:04:37.240 that little bit of Social Security and my pension from Alaska. 88 00:04:37.319 --> 00:04:40.639 Okay, Well, okay, how much were you getting from Social Security? 89 00:04:41.680 --> 00:04:45.000 Oh? I write a verse four hundred and something at 90 00:04:45.040 --> 00:04:46.920 the end five hundred and a little bit over. 91 00:04:47.399 --> 00:04:50.000 You're not and that was about That was about okay. 92 00:04:50.439 --> 00:04:53.439 But it is possible to receive But here's the problem. 93 00:04:53.759 --> 00:04:57.519 It is possible to receive spousal benefits from Social Security 94 00:04:57.560 --> 00:05:03.839 even if you are on PARA not as long as 95 00:05:03.879 --> 00:05:07.120 they offset it, it reduced. Hold on, let me explain this. 96 00:05:08.079 --> 00:05:11.160 They may I'm reading this now because I just looked up. 97 00:05:11.519 --> 00:05:16.079 They may reduce the spousal or survival benefit, but you 98 00:05:16.240 --> 00:05:21.079 could receive both. The way they apply the formula, if 99 00:05:21.120 --> 00:05:25.639 you receive a pension from Alaska or PARA or anything 100 00:05:25.720 --> 00:05:28.680 like that, based on the work you did and did 101 00:05:28.759 --> 00:05:32.360 not pay Social Security at the time, it reduces your 102 00:05:32.399 --> 00:05:37.399 Social Security spousal benefit by two thirds of the pension amount. 103 00:05:37.800 --> 00:05:40.839 So they would take two thirds of your pension, subtract 104 00:05:40.879 --> 00:05:43.920 it from your spousal benefit, and then they multiplied it 105 00:05:43.959 --> 00:05:46.160 by forty eight months. Is that what they did to 106 00:05:46.160 --> 00:05:48.720 get what you owe? 107 00:05:49.759 --> 00:05:51.519 I don't know about the forty eight months. 108 00:05:52.319 --> 00:05:55.399 You said four years you've been getting spousal benefits. 109 00:05:55.000 --> 00:05:58.800 Right, yes, yes, okay, you're going. 110 00:05:58.639 --> 00:06:01.639 To what they did. They're going to take your spousal 111 00:06:01.680 --> 00:06:05.480 benefits that you've gotten and they're going to reduce it 112 00:06:06.560 --> 00:06:09.680 by two thirds of the pair you've gotten for that 113 00:06:09.759 --> 00:06:13.560 period exactly. And that's what you're going to owe. And 114 00:06:13.600 --> 00:06:17.360 how much do they say you're going to owe? 115 00:06:17.560 --> 00:06:19.920 Twenty six dollars? 116 00:06:21.920 --> 00:06:27.800 Okay, now, here is the bad news I owe and no, no, 117 00:06:28.160 --> 00:06:31.120 because why bother lying to you? Right that the bad 118 00:06:31.199 --> 00:06:33.800 news is this? And you brought it up so I 119 00:06:33.839 --> 00:06:35.920 know what's on your mind. I know what's on your mind, 120 00:06:35.920 --> 00:06:39.519 and it should be because everyone thinks this way. You said, 121 00:06:40.040 --> 00:06:43.920 I applied for spousal benefits four years ago and they 122 00:06:43.959 --> 00:06:46.519 did not pick up on my pension that I had, 123 00:06:46.639 --> 00:06:49.199 even though I told them, and now I owe this money. 124 00:06:49.439 --> 00:06:52.879 The fact that they did not pick up on it 125 00:06:53.000 --> 00:06:56.279 actually what the courts and the government look at this 126 00:06:56.480 --> 00:07:00.240 as is not as if you were harmed. They actually say, 127 00:07:00.240 --> 00:07:02.279 wait a minute, you had free use of this money 128 00:07:02.319 --> 00:07:04.439 for four years that you shouldn't have had to begin with. 129 00:07:04.839 --> 00:07:07.199 You're looking at it as a debt that you shouldn't have. 130 00:07:07.560 --> 00:07:11.120 But let me ask you straight up, do you believe 131 00:07:12.040 --> 00:07:15.240 And I understand, by the way, I'm not some kind 132 00:07:15.279 --> 00:07:19.680 of ultra rich guy that says, wait a minute, you know, 133 00:07:20.079 --> 00:07:22.600 just give them money back. I mean, I realize when 134 00:07:22.600 --> 00:07:25.439 we get money, we spend it, and we spend accordingly, 135 00:07:25.680 --> 00:07:29.040 and we make a budget accordingly. But is your contention 136 00:07:29.600 --> 00:07:32.120 the fact that they did not pick up on this 137 00:07:32.240 --> 00:07:35.439 pension from Alaska is that they should discount it at 138 00:07:35.439 --> 00:07:37.399 this point and you should keep that money. 139 00:07:39.279 --> 00:07:42.079 I look at as they didn't pick up where the 140 00:07:42.079 --> 00:07:42.800 guy wasn't doing. 141 00:07:42.720 --> 00:07:45.199 It here, So it was their mistake. They should eat it. 142 00:07:45.240 --> 00:07:47.800 Is that what you're saying. It's their mistake, they should 143 00:07:47.839 --> 00:07:54.160 eat it. Yes, the government, the irs pensions. No one 144 00:07:54.199 --> 00:07:56.360 looks at it. No one looks at it that way. 145 00:07:56.600 --> 00:07:59.000 In fact, they look at it just the opposite. What 146 00:07:59.079 --> 00:08:02.279 they say is had they caught it, you would have 147 00:08:02.319 --> 00:08:04.639 been getting that much less for those many years you've 148 00:08:04.680 --> 00:08:07.279 gotten free use of that money. That's how they look 149 00:08:07.319 --> 00:08:10.920 at it. So it's just the opposite of what you're 150 00:08:10.920 --> 00:08:14.000 looking at. You know, this brings up a color TV. 151 00:08:14.920 --> 00:08:16.920 I want to tell you about a color TV, my 152 00:08:17.000 --> 00:08:22.120 first color TV. I was a young guy working in 153 00:08:22.959 --> 00:08:25.279 TV and radio years and years and years ago, and 154 00:08:25.360 --> 00:08:29.319 I bought a TV from Sears on my charge card 155 00:08:30.000 --> 00:08:33.240 and it was back then. A color TV back then 156 00:08:33.360 --> 00:08:36.440 was very expensive, three hundred dollars and that was a 157 00:08:36.480 --> 00:08:39.159 big expenditure for me. There's a reason I'm telling you this, Debbie, 158 00:08:39.279 --> 00:08:42.759 And so I get they forgot to put it when 159 00:08:42.799 --> 00:08:44.519 I used my charge card. I didn't show up on 160 00:08:44.519 --> 00:08:46.759 my bill for a year and a half or two years. 161 00:08:47.240 --> 00:08:50.879 And I was devastated because I was paying all my bills. 162 00:08:50.919 --> 00:08:53.080 And I thought, wait a minute, it was like a 163 00:08:53.120 --> 00:08:56.320 new bill, even though it was an old bill. And 164 00:08:56.519 --> 00:08:59.159 it is, and I learned a lesson. I said, well, 165 00:08:59.159 --> 00:09:01.840 wait a minute, your mistake. You didn't build me. Well, 166 00:09:01.879 --> 00:09:03.759 I should not have to owe this. I mean, and 167 00:09:03.840 --> 00:09:05.559 I know what you're saying, but you do owe it. 168 00:09:06.000 --> 00:09:08.639 Now I want to know, is are they willing to 169 00:09:08.759 --> 00:09:14.240 reduce social Security a bit over many many months in 170 00:09:14.399 --> 00:09:15.279 order to let you. 171 00:09:15.279 --> 00:09:17.960 Pay I can do that. 172 00:09:19.879 --> 00:09:23.639 Yes, that's okay. In other words, here's what the general rule. 173 00:09:24.159 --> 00:09:27.600 Here's what the general rule usually is in a court 174 00:09:27.639 --> 00:09:31.879 of equity, usually, I say, or with electric bills, where 175 00:09:31.919 --> 00:09:36.480 you've underpaid electric bills or utility bills. The general rule is, 176 00:09:37.879 --> 00:09:41.759 however long it took them to discover it is, how 177 00:09:41.799 --> 00:09:43.039 long you get to pay it? 178 00:09:45.240 --> 00:09:48.360 Okay, they don't tell you that, but yeah. 179 00:09:47.720 --> 00:09:51.840 That Well, it's not a law. It's more or less 180 00:09:53.200 --> 00:09:58.159 what a Solomon philosophy and what a judge might do 181 00:09:58.480 --> 00:10:02.039 if ever it went to court. So what are they 182 00:10:02.080 --> 00:10:05.360 proposing that you? How are they proposing you pay it? 183 00:10:06.639 --> 00:10:09.840 I pay it back within thirty days. Oh come on, 184 00:10:10.039 --> 00:10:13.919 I can't. No, that's what it says. Yeah, sure, or 185 00:10:14.000 --> 00:10:16.480 I can make payments and I can put it on 186 00:10:16.480 --> 00:10:17.279 my credit card. 187 00:10:17.759 --> 00:10:20.600 What are the payments are they proposing? If you made them, 188 00:10:21.039 --> 00:10:23.879 will they reduce your socials series? Did they take away 189 00:10:23.879 --> 00:10:25.960 your spousal benefit completely right now? 190 00:10:27.200 --> 00:10:32.159 Yes? Yes, And the reason was is because that little 191 00:10:32.159 --> 00:10:36.159 math problem math situation you're talking about. I'm making more 192 00:10:36.879 --> 00:10:40.559 than the two third number or whatever I know. Yeah, 193 00:10:40.559 --> 00:10:44.120 any way, and I started getting bills for my Part B. 194 00:10:46.600 --> 00:10:48.639 Yeah anyways. 195 00:10:49.080 --> 00:10:51.159 Well, you're always going to have to pay hold on. 196 00:10:51.279 --> 00:10:53.360 You will always have to pay for Part B, whether 197 00:10:53.440 --> 00:10:55.679 or not. It doesn't matter if you had power or 198 00:10:55.720 --> 00:10:58.440 not that you would always You were never billed for 199 00:10:58.559 --> 00:10:59.039 Part B. 200 00:11:00.440 --> 00:11:03.320 I was taken out of at first. 201 00:11:03.440 --> 00:11:05.200 Oh I get it, I get it. It was taken out 202 00:11:05.200 --> 00:11:09.320 of the Listen. Here's the bottom line. Can you propose 203 00:11:09.440 --> 00:11:12.960 to them that you get your benefit as usual, not 204 00:11:13.039 --> 00:11:16.279 as usual, the new benefit amount, and then you'll make 205 00:11:16.320 --> 00:11:20.879 monthly payments to them instead of taking away all of 206 00:11:20.919 --> 00:11:24.200 your spousal benefits, correct the amount the way it should 207 00:11:24.240 --> 00:11:26.679 have been for the last four years, and then let 208 00:11:26.720 --> 00:11:28.279 you just make separate payments. 209 00:11:30.519 --> 00:11:36.159 I don't know, because actually I would be getting nothings. 210 00:11:36.480 --> 00:11:39.759 Well wait a minute, are your spousal benefits so low 211 00:11:40.120 --> 00:11:44.159 that if you subtract two thirds of your pension it's nothing. 212 00:11:45.639 --> 00:11:49.519 The spousal benefits? Yes, correct, okay, literally the max. 213 00:11:51.360 --> 00:11:55.879 Yeah, Debbie, that that means one of two things. I'm serious, 214 00:11:56.360 --> 00:11:58.480 You're not going to get it, or you should have 215 00:11:58.519 --> 00:12:00.200 been married to a richer man. I don't know what 216 00:12:00.240 --> 00:12:04.600 to say. I mean, this is terrible. Yeah, no, Debbie, 217 00:12:04.600 --> 00:12:08.919 this is terrible. But there's really no way around it. Okay. 218 00:12:09.440 --> 00:12:11.799 I took a long journey to let you know there's 219 00:12:11.840 --> 00:12:14.120 no way around it. And let me tell you why. 220 00:12:14.919 --> 00:12:16.919 You need to know this, and everyone needs to know this. 221 00:12:17.000 --> 00:12:19.320 If the government makes a mistake and you get overpaid, 222 00:12:19.600 --> 00:12:22.480 you're screwed. You got to pay it back. So if 223 00:12:22.519 --> 00:12:25.200 you ever think, oh, I'm getting this money, I'm gonna 224 00:12:25.200 --> 00:12:27.919 get away with it, you won't. Eventually it catches up 225 00:12:27.960 --> 00:12:30.440 to you. And I don't think that was on your mind, Debbie. 226 00:12:30.440 --> 00:12:33.279 But you were double dipping according to them. 227 00:12:33.639 --> 00:12:35.240 Yes, that I understand. 228 00:12:35.399 --> 00:12:38.360 So now not only do you have to make payments now, 229 00:12:38.399 --> 00:12:40.440 not only do you have to make payments on the 230 00:12:40.480 --> 00:12:43.399 twenty six to nine. But you also have to make 231 00:12:43.440 --> 00:12:46.399 payments for Part B and on top of that, you 232 00:12:46.480 --> 00:12:47.840 lose your spousal benefit. 233 00:12:49.759 --> 00:12:51.720 Yes, correct, so you are. 234 00:12:51.720 --> 00:12:53.399 Truly in the hole. What are you going to do 235 00:12:53.440 --> 00:12:55.039 about it? I'm serious, what are you going to do 236 00:12:55.080 --> 00:12:55.480 about it? 237 00:12:56.320 --> 00:12:59.879 Oh? The lady at Social Security said, I could play 238 00:13:00.039 --> 00:13:04.000 for a waiver and with the form. But wait, wait, wait, 239 00:13:04.320 --> 00:13:07.159 wait on man, Uh, there's ways to figure out what 240 00:13:07.279 --> 00:13:09.840 my house is paid for. I live off grids, so 241 00:13:09.879 --> 00:13:12.639 I don't have any electricity bill. My cars are paid for. 242 00:13:12.960 --> 00:13:15.720 I dropped my house insurance because it was extreme. I 243 00:13:15.759 --> 00:13:16.480 live mountains. 244 00:13:16.720 --> 00:13:19.639 You wait, wait, you dropped your house insurance because it's 245 00:13:19.639 --> 00:13:23.960 paid for? Okay, listen, I know. No. So you have 246 00:13:24.039 --> 00:13:26.480 a you have a low standard of living. You're not 247 00:13:26.679 --> 00:13:29.480 You're not endearing yourself to people right now though you're not. 248 00:13:29.840 --> 00:13:32.200 You're like they're saying, well, okay, you can afford it. 249 00:13:32.200 --> 00:13:37.679 Then I got to take a break, Debbie, Debbie, apply 250 00:13:37.840 --> 00:13:41.279 for a waiver somehow. I mean, I'm serious. I I 251 00:13:41.320 --> 00:13:43.840 don't know what to tell you, man, I just don't 252 00:13:43.840 --> 00:13:46.240 know what to tell you. This is terrible. If people 253 00:13:46.240 --> 00:13:50.039 have suggestions, let me know, morons text me. Everyone can 254 00:13:50.039 --> 00:13:52.559 text me or message me I mean and the text 255 00:13:52.639 --> 00:13:55.840 is five seven seven three nine is the iHeart short 256 00:13:55.879 --> 00:13:59.279 code five seven seven three nine, Or you can text 257 00:13:59.279 --> 00:14:02.000 me on my private Google number seven four seven nine 258 00:14:02.080 --> 00:14:05.480 nine nine fifty two eighty. I'm Tom Martino. Don't forget 259 00:14:05.480 --> 00:14:08.120 water pros, the best water systems, the lowest prices. Right 260 00:14:08.159 --> 00:14:10.039 now to the end of the year. It's the time 261 00:14:10.080 --> 00:14:13.080 to get at water conditioning or softening for the whole 262 00:14:13.080 --> 00:14:16.799 house and reverse losmosis at the kitchen sink. Never before 263 00:14:16.840 --> 00:14:20.080 heard of both systems for thirty one ninety five. You 264 00:14:20.120 --> 00:14:22.960 will never see a price like this. 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Hi 276 00:15:04.320 --> 00:15:08.200 Tom Martino here three three seven, won three talks seven 277 00:15:08.240 --> 00:15:11.480 to one three eight two five five. Welcome one and all. 278 00:15:11.559 --> 00:15:14.279 We are talking about your problems, question complaints, and I 279 00:15:14.360 --> 00:15:17.240 want to take Steve as a comment on Debbie's issue. Now, 280 00:15:17.240 --> 00:15:20.080 Debbie was overpaid for four years on Social Security because 281 00:15:20.080 --> 00:15:23.200 she also had PARA. They didn't take into consideration and 282 00:15:23.440 --> 00:15:25.679 basically now has to pay it back plus lost their 283 00:15:25.720 --> 00:15:27.559 spousal benefits. What do you think, Steve? 284 00:15:29.279 --> 00:15:33.120 A year ago, Tom, I retired on a ridd in 285 00:15:33.200 --> 00:15:37.799 twenty sixteen. I retired from the Boulder Valley School District 286 00:15:38.600 --> 00:15:42.399 with a pair of pension. Prior to that, I was 287 00:15:42.480 --> 00:15:47.759 receiving Social Security a meager amount under five hundred dollars. 288 00:15:48.679 --> 00:15:52.039 I forget to mention to them when I retired that 289 00:15:52.480 --> 00:15:55.639 to Social when I retired that I had a pair 290 00:15:55.679 --> 00:15:58.919 of pension. So seven years after they began paying me, 291 00:15:59.559 --> 00:16:01.639 I got a letter in the mail stating that I 292 00:16:01.679 --> 00:16:05.639 owed them sixteen, three hundred and fifty dollars. I went 293 00:16:05.679 --> 00:16:09.600 down to the office in Lewisville and I spent about 294 00:16:09.600 --> 00:16:13.159 three days down there talking to those folks with my 295 00:16:13.320 --> 00:16:17.480 CPA to determine whether or not it was valid, and 296 00:16:18.039 --> 00:16:21.200 they we determined it was valid. It was my mistake 297 00:16:21.600 --> 00:16:25.399 for which I'm kicking myself in the butt still, and 298 00:16:25.440 --> 00:16:27.519 I asked them if they would make a payment plan 299 00:16:27.600 --> 00:16:29.440 for me, and they said the best we can do 300 00:16:30.200 --> 00:16:34.440 is nearly seven hundred dollars a month until it's paid off. Well, 301 00:16:34.480 --> 00:16:37.080 I simply couldn't afford that, So what I had to 302 00:16:37.120 --> 00:16:41.320 do is wipe out my meager savings account and pay 303 00:16:41.360 --> 00:16:48.320 them in total. My issue is not necessarily with Social Security, 304 00:16:49.000 --> 00:16:52.360 but with the rule that states that money you made 305 00:16:52.559 --> 00:16:56.840 over a lifetime is not going to be paid you. 306 00:16:57.720 --> 00:17:00.120 And that is my argument with Social Secure. 307 00:17:00.799 --> 00:17:02.759 Now, wait a minute, what are you talking about. You 308 00:17:02.759 --> 00:17:07.799 didn't pay into it though, if you had para. 309 00:17:06.640 --> 00:17:09.839 No, but I paid into it prior to that, in 310 00:17:09.839 --> 00:17:10.680 my life prior. 311 00:17:10.759 --> 00:17:14.720 Oh okay, okay, but you can okay, if you paid, 312 00:17:14.759 --> 00:17:18.759 if you paid into both, they simply offset it you still. 313 00:17:19.160 --> 00:17:22.039 But but if it turns out that you didn't pay enough, 314 00:17:22.240 --> 00:17:24.200 you're right, you don't get it back, You're right? 315 00:17:25.559 --> 00:17:29.039 Yeah, Well I don't my understanding, and I'm not sure 316 00:17:29.039 --> 00:17:32.400 whether this is correct or not. Is that not every 317 00:17:32.559 --> 00:17:35.519 state has this same rule? 318 00:17:36.039 --> 00:17:38.680 No, they all do. No, No, that's a social security 319 00:17:38.759 --> 00:17:41.720 it's a social security rule. Bro, it's not. It's not 320 00:17:41.839 --> 00:17:46.640 a state rule. Okay, it's a social security rule. You 321 00:17:46.680 --> 00:17:49.519 don't double dip if you have see and it really 322 00:17:49.599 --> 00:17:52.359 isn't so much about double dippy. Well it is, But 323 00:17:52.880 --> 00:17:56.279 the main principle here is that you for the time 324 00:17:56.319 --> 00:18:00.240 you had PARA, you did at the time you're paying 325 00:18:00.279 --> 00:18:03.559 into PARA, you were not paying into Social Security. Now, 326 00:18:03.720 --> 00:18:05.640 the way I think is your work is not like that. 327 00:18:05.680 --> 00:18:07.160 I don't think there should be a pair. I think 328 00:18:07.160 --> 00:18:11.000 you showed social Security. I mean, I don't even understand 329 00:18:11.000 --> 00:18:13.480 why they have a separate system. It just doesn't make 330 00:18:13.519 --> 00:18:15.680 sense to me. Three out three seven one three talk 331 00:18:15.720 --> 00:18:18.359 seven one three eight two five five. Brenda, what's going 332 00:18:18.400 --> 00:18:21.359 on with you? Brenda? Now? Hold on, we had I 333 00:18:21.400 --> 00:18:23.480 bet did you call in last week? Brenda? 334 00:18:24.240 --> 00:18:26.319 Yes, I did. I have a small claims court for 335 00:18:26.400 --> 00:18:28.519 trouble damages for an apartment move out. 336 00:18:29.039 --> 00:18:32.400 Now that was when I'm trying to find the actual case. 337 00:18:32.680 --> 00:18:38.079 Uh this, let's see, it was I don't have when 338 00:18:38.119 --> 00:18:40.000 you called in? Did you use the name Brenda. 339 00:18:40.759 --> 00:18:43.960 Yeah, Mark might have taken and it might have been. 340 00:18:44.119 --> 00:18:45.640 It might have been last week, it might have been 341 00:18:45.680 --> 00:18:48.880 the week before, because it was yesterday. 342 00:18:49.279 --> 00:18:53.240 Okay, so you had a mediation because they did not 343 00:18:54.079 --> 00:18:57.039 send you in time. The information was that the case 344 00:18:57.079 --> 00:19:01.880 on your security deposit. Yes, you remember that day, you 345 00:19:01.920 --> 00:19:03.559 remember that case. No, you were shaken. 346 00:19:03.640 --> 00:19:04.559 I'm working a different case. 347 00:19:04.599 --> 00:19:08.839 Okay, the different one. Okay, So what happened? Uh? Oh yeah, okay, 348 00:19:08.880 --> 00:19:10.079 go ahead, I'm listening. 349 00:19:10.240 --> 00:19:13.880 Basically, the question I have of mediation was I put 350 00:19:13.960 --> 00:19:17.799 US Postal Service forwarding on my mail two weeks before 351 00:19:17.839 --> 00:19:20.640 I moved. They said that they sent a letter to 352 00:19:20.680 --> 00:19:23.279 me a week after I moved out that happened. 353 00:19:23.680 --> 00:19:25.640 Where did they send it? They sent it to the 354 00:19:25.680 --> 00:19:26.720 old address, right. 355 00:19:26.640 --> 00:19:29.359 Old address, and it should have gone through the Postal 356 00:19:29.400 --> 00:19:32.839 Service with my mail forwarding, which I was receiving mail 357 00:19:32.960 --> 00:19:36.759 before that, right to other people like Excel. But they're 358 00:19:36.799 --> 00:19:39.160 saying they sent it out and it was returned to 359 00:19:39.200 --> 00:19:43.119 the sender to them, so they knew. I they knew. 360 00:19:43.240 --> 00:19:47.400 Oh wait a minute, Why why did I don't get this? 361 00:19:47.759 --> 00:19:49.559 Why didn't the post Office forward it? 362 00:19:50.440 --> 00:19:52.640 I don't know, because I do have one from Excel 363 00:19:52.799 --> 00:19:55.799 Energy that was forwarded two weeks before that with no 364 00:19:55.920 --> 00:19:57.960 problem from the old address to the new address. 365 00:19:58.000 --> 00:20:01.000 But they're not. You don't think they're dying about getting 366 00:20:01.000 --> 00:20:01.680 it back. 367 00:20:01.519 --> 00:20:03.400 Do you? Yes? I do. 368 00:20:03.480 --> 00:20:06.039 But even if my question is, even if they got 369 00:20:06.039 --> 00:20:08.559 it back, they knew I didn't get it, and they 370 00:20:08.599 --> 00:20:12.319 had my phone number and my email, there's no responsibility 371 00:20:12.519 --> 00:20:12.920 to them. 372 00:20:13.359 --> 00:20:18.119 Nope, nope, they just have to mail it. There's no 373 00:20:18.160 --> 00:20:20.799 mistake it. They don't have no they I'm giving you 374 00:20:20.839 --> 00:20:23.359 the answer. They don't have to chase you down. They 375 00:20:23.359 --> 00:20:25.559 don't have What did mediation say. 376 00:20:27.160 --> 00:20:30.359 Well, they basically said that Number one, they're all wrong 377 00:20:30.400 --> 00:20:33.440 with the trouble damages thing. They're saying that we would 378 00:20:33.440 --> 00:20:36.880 have had to file a court case seven days from 379 00:20:37.000 --> 00:20:39.319 move out date, saying that we were going to file 380 00:20:39.480 --> 00:20:40.880 take them to court. 381 00:20:41.119 --> 00:20:44.279 Well, of course you in seven damages because you can't 382 00:20:44.279 --> 00:20:46.119 do it within seven days, you have to do it 383 00:20:46.160 --> 00:20:47.480 after sixty days. 384 00:20:47.960 --> 00:20:50.799 Right, So that was wrong first and then and then 385 00:20:50.839 --> 00:20:53.440 they basically went through this, Well, we mailed it out 386 00:20:53.480 --> 00:20:55.720 and we got it back, so we never you know, 387 00:20:55.799 --> 00:20:58.160 we never said so did the mediation. 388 00:20:58.359 --> 00:21:01.079 Did the mediator basically tell you you're not going to 389 00:21:01.119 --> 00:21:02.160 get treble damages. 390 00:21:03.359 --> 00:21:03.400 No. 391 00:21:03.680 --> 00:21:07.720 Basically we even told them we don't want any damages zero. 392 00:21:07.960 --> 00:21:11.119 We just want you to remove their derogatory comments off 393 00:21:11.160 --> 00:21:12.319 of our rental history. 394 00:21:12.559 --> 00:21:16.759 And what was the derogatory comments about about you owing money. 395 00:21:16.559 --> 00:21:17.200 Then move out? 396 00:21:17.240 --> 00:21:18.559 Cost can know them money? 397 00:21:18.839 --> 00:21:23.799 Okay, here's what I need to know. Did you did 398 00:21:23.839 --> 00:21:26.839 you end up having to pay them or did they 399 00:21:27.160 --> 00:21:30.039 call it even or what what was the result of 400 00:21:30.079 --> 00:21:30.759 your media. 401 00:21:31.119 --> 00:21:32.839 We're going to court next week. 402 00:21:33.240 --> 00:21:34.960 So the mediation did not work. 403 00:21:35.680 --> 00:21:38.319 No, and they basically are threatening that when they go 404 00:21:38.400 --> 00:21:41.240 to court they're going to add attorney sees and well. 405 00:21:41.160 --> 00:21:43.200 They don't get they don't get attorneys feed, they don't 406 00:21:43.440 --> 00:21:46.400 they don't get attorney fees automatically unless the judge grantson 407 00:21:46.759 --> 00:21:48.799 what kind of court you go into small claims court? 408 00:21:48.920 --> 00:21:51.599 Right, small claims court in a Rapahole county, so. 409 00:21:51.599 --> 00:21:54.960 They don't have Look at they're threatening you just show 410 00:21:55.039 --> 00:21:57.240 up at small claims court. But listen, you may lose. 411 00:21:57.279 --> 00:22:00.440 If the mediator said, look, you're going to have to 412 00:22:00.480 --> 00:22:03.519 show that you got mail and you had it forwarded. 413 00:22:03.640 --> 00:22:05.119 I don't know how you and we do it. 414 00:22:05.319 --> 00:22:07.599 We have to take good because good, because when you 415 00:22:07.680 --> 00:22:10.359 have Postal Service forwarding them, they send you a picture 416 00:22:10.359 --> 00:22:11.119 of everything. 417 00:22:10.920 --> 00:22:14.920 Good, good, good, good, and you never got a picture 418 00:22:14.920 --> 00:22:19.000 of their mail. No, I listen, Brenda, how do you 419 00:22:19.079 --> 00:22:21.920 lose if they say they got it back? Do they 420 00:22:21.960 --> 00:22:24.759 have the unopened envelope as evidence? Did they have it? 421 00:22:24.839 --> 00:22:27.559 I don't know. They didn't produce Well. 422 00:22:27.440 --> 00:22:30.960 Guess what, you have the US Postal Service evidence, so 423 00:22:31.039 --> 00:22:33.720 they have to have evidence. I think you might win. 424 00:22:34.759 --> 00:22:36.519 Okay, all right, I don't know. 425 00:22:36.440 --> 00:22:38.279 What to do. But but what were you What was 426 00:22:38.319 --> 00:22:40.920 your comment about it? Why did you call about it? 427 00:22:40.960 --> 00:22:42.599 I think you're on the right track. Why did you 428 00:22:42.599 --> 00:22:42.839 call it? 429 00:22:42.920 --> 00:22:45.480 Well, the reason I called was because I wasn't sure 430 00:22:45.559 --> 00:22:48.440 if they have other ways to contact us, if they 431 00:22:48.519 --> 00:22:49.359 knew we did not. 432 00:22:49.599 --> 00:22:52.799 No, No, they don't have to. They don't have to 433 00:22:52.880 --> 00:22:57.559 under the current now. Yeah, unfortunately, I think right now everyone, 434 00:22:58.200 --> 00:23:01.279 I think there should be more than us, and I 435 00:23:01.319 --> 00:23:03.720 think there should be a way for people to legally 436 00:23:04.559 --> 00:23:10.839 be able to uh have another way to contact you. Yes, 437 00:23:10.960 --> 00:23:14.640 I totally agree with you on that. Three A three seven, one, 438 00:23:14.680 --> 00:23:16.799 three eight two five five. So I am with you 439 00:23:16.839 --> 00:23:19.000 on that. I'm Tom Artino. We have more coming up 440 00:23:19.000 --> 00:23:20.680 on the Troubleshooter Show. I just want to tell you 441 00:23:20.960 --> 00:23:23.799 eightaight eight Heating dot Com right now. See it's getting 442 00:23:23.839 --> 00:23:26.559 a little color each day. Get that deep clean done 443 00:23:26.640 --> 00:23:29.359 forty five bucks plus. 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Time for 451 00:23:58.319 --> 00:24:02.119 an insurance check up free, no obligation comparison call Compass 452 00:24:02.119 --> 00:24:05.400 Insurance paying too much your coverage at dozens of insurance 453 00:24:05.440 --> 00:24:08.000 companies find out now three all three seven seven to 454 00:24:08.000 --> 00:24:10.799 one help. You'll think you're his only customer when you 455 00:24:10.880 --> 00:24:13.319 choose Frank durand the real estate Man dot com to 456 00:24:13.400 --> 00:24:16.559 list your home with Remax Alliance three all three nine 457 00:24:16.640 --> 00:24:23.880 two zero sixteen twenty two. Hey, I'm Tom Martino. You're 458 00:24:24.119 --> 00:24:28.440 troubleshooter three all three seven one three talk three oh 459 00:24:28.480 --> 00:24:32.119 three seven one three eight two five five. Welcome to 460 00:24:32.160 --> 00:24:37.279 the show. Okay, So Jason wants to talk about century Link, 461 00:24:37.640 --> 00:24:39.880 and then we got a whole bunch of things to 462 00:24:39.960 --> 00:24:45.519 talk about, and go ahead, Jason. You first, what's happening, Jason? 463 00:24:46.519 --> 00:24:49.359 Internet's been down for five days straight. I've been getting 464 00:24:49.880 --> 00:24:52.000 a text message from century Link. 465 00:24:52.079 --> 00:24:55.200 But there, my goodness, my century Link, which this entire 466 00:24:55.319 --> 00:24:58.200 show is based on right here from my home studio, 467 00:24:58.400 --> 00:25:00.079 is solid. Where are you? 468 00:25:01.160 --> 00:25:06.559 I'm on Alameda between Airport and Chambers in Aurora, and 469 00:25:06.640 --> 00:25:09.880 I think it's it could be local construction, but it's 470 00:25:09.920 --> 00:25:12.200 like I've fallen into an information black hole. 471 00:25:12.240 --> 00:25:15.039 I don't it's been gone wait wait three weeks? 472 00:25:16.039 --> 00:25:16.839 Five days? 473 00:25:17.079 --> 00:25:17.240 Oh? 474 00:25:17.279 --> 00:25:19.680 Five? I'm sorry? Why did I say three? Okay? I 475 00:25:19.720 --> 00:25:21.960 had another issue here for three weeks. Okay, never mind 476 00:25:22.200 --> 00:25:25.599 on this, on this sentry link thing for five days. 477 00:25:25.720 --> 00:25:28.640 Here's what I want to know. Are your neighbors out 478 00:25:29.440 --> 00:25:30.039 I haven't. 479 00:25:30.200 --> 00:25:32.359 I haven't had much contact with them, but I think 480 00:25:32.359 --> 00:25:34.359 they have direct TV. But I haven't talked to them, 481 00:25:34.359 --> 00:25:34.920 so I haven't. 482 00:25:34.720 --> 00:25:37.720 Been Okay, Well, this is important because it's either it 483 00:25:37.720 --> 00:25:40.680 could be with your local crap there, right, we don't 484 00:25:40.720 --> 00:25:44.680 know that yet, right, correct? Okay, So what are you 485 00:25:44.720 --> 00:25:46.440 calling about? You want to find out? Right? 486 00:25:47.200 --> 00:25:50.319 Yeah, I just want information and maybe a little embarrassment 487 00:25:50.440 --> 00:25:54.599 might Oh okay, you know a roadblock that's I don't 488 00:25:54.599 --> 00:25:55.200 know about her. 489 00:25:55.440 --> 00:25:55.640 You know. 490 00:25:55.920 --> 00:26:01.119 Well, here's the thing normally, Jason, the way there, you 491 00:26:01.319 --> 00:26:04.920 got to discern whether it's your house or not, because 492 00:26:04.960 --> 00:26:07.039 they're not going to get embarrassed if it's your house, 493 00:26:07.680 --> 00:26:10.759 because it's never their fault if it's your house. Yeah, 494 00:26:11.119 --> 00:26:15.160 I mean right, even if if rodents ate through the 495 00:26:15.200 --> 00:26:18.880 stuff or how how it's been five days when you 496 00:26:18.920 --> 00:26:21.680 call them, do they try to ping your modem and 497 00:26:21.720 --> 00:26:22.519 stuff like that? 498 00:26:23.759 --> 00:26:25.839 See that that was repaired, I want to say, the 499 00:26:25.880 --> 00:26:29.480 week before. So this is and this is when they 500 00:26:30.279 --> 00:26:33.599 contacted their automated system and just talked to a rep 501 00:26:33.640 --> 00:26:38.680 today And it's an area outedge servage outage. 502 00:26:38.920 --> 00:26:42.000 Wait, that's that's what I get. Oh wait, so you 503 00:26:42.039 --> 00:26:44.720 did you did find out there is a service a 504 00:26:44.960 --> 00:26:45.880 service outage? 505 00:26:46.519 --> 00:26:46.759 Yeah? 506 00:26:46.759 --> 00:26:49.240 Hold on, and I do you know that for sure? 507 00:26:49.960 --> 00:26:52.559 Yeah, Jason, Jason, this is Dimitri. I don't know if 508 00:26:52.599 --> 00:26:55.079 you've noted if you know the news of the past 509 00:26:55.079 --> 00:26:59.200 couple of weeks, there have been some deliberate sabotage attempts 510 00:26:59.640 --> 00:27:02.799 on internet access in the eastern part of the metro area. 511 00:27:02.920 --> 00:27:07.160 What these appear to be probing attacks by people who 512 00:27:07.160 --> 00:27:12.119 are Yeah, and they're they're probing these attacks. 513 00:27:12.920 --> 00:27:15.480 Are they hardware attacks or software hack? 514 00:27:15.559 --> 00:27:20.960 They're burning, they're burning down switches, burning. Yes, this is 515 00:27:21.000 --> 00:27:25.400 a probing attack on our infrastructure. What in preparation for 516 00:27:25.519 --> 00:27:28.839 something probably much larger. Oh, come on, there have been 517 00:27:28.880 --> 00:27:33.039 at least gang well, there have been at least four 518 00:27:33.119 --> 00:27:36.759 or five such The government doesn't want us talking about this. 519 00:27:36.799 --> 00:27:40.599 No, no, did he hang uper? He got disconnected? Century 520 00:27:40.599 --> 00:27:47.279 waiting hold on, Yeah, I'm on, I'm on centure. What 521 00:27:47.319 --> 00:27:51.359 the hell is going on? Brothers? Wait a minute, I didn't, 522 00:27:51.440 --> 00:27:53.039 Hey Shannon, talk to me. 523 00:27:53.960 --> 00:27:57.680 I wish I was involved because that was funny. But nope, he. 524 00:27:57.720 --> 00:28:03.039 Got he got totally connected and he was just talking. 525 00:28:03.160 --> 00:28:05.920 Listen if you want to call back, Jason. Now, wait 526 00:28:05.960 --> 00:28:09.400 a minute, d Is this so you're saying they suspect 527 00:28:09.440 --> 00:28:10.680 sabotage of their system. 528 00:28:10.759 --> 00:28:13.160 Well, it's not suspected. It is deliberate sabotage. 529 00:28:13.200 --> 00:28:17.079 There have been accelerants found in these underground wire wire systems, 530 00:28:17.759 --> 00:28:20.359 and uh, you know the prevailing theories that these are 531 00:28:20.400 --> 00:28:22.559 probing attacks and preparation for something bigger. 532 00:28:22.599 --> 00:28:25.400 Hold on, though, I checked Deni in Views and they said, nope, 533 00:28:25.400 --> 00:28:28.960 it's not happening. That it's an exaggeration from people who 534 00:28:29.039 --> 00:28:29.559 like Trump. 535 00:28:29.680 --> 00:28:31.799 Yeah, I'll get you something from a real news source. 536 00:28:32.119 --> 00:28:37.599 Okay. Anyway, so Denian Views says, Nope, ain't happening. I 537 00:28:37.680 --> 00:28:44.599 watched the show vexed on Denian News and uh and uh, 538 00:28:44.799 --> 00:28:48.599 Pile of crap told me that is that his name? 539 00:28:48.640 --> 00:28:53.200 Pile Pile of crap. Anyway, Anito, you have a comment 540 00:28:53.240 --> 00:28:54.920 on Social Security? What's going on? 541 00:28:57.160 --> 00:29:01.839 This happens only back in two thousand, for Social Security 542 00:29:01.920 --> 00:29:04.759 sent me a letter saying that they had underpaid me 543 00:29:05.759 --> 00:29:08.880 and they owed me five thousand dollars and it would 544 00:29:08.880 --> 00:29:11.920 be deposited in my account next for the next month. 545 00:29:12.200 --> 00:29:16.480 Wait. Wait, so it ended up where they owed you money? 546 00:29:17.480 --> 00:29:19.880 Yes, in the beginning they. 547 00:29:19.519 --> 00:29:23.119 Owed me money. Yeah, And then what happened They. 548 00:29:23.000 --> 00:29:25.920 Increased my my monthly benefits. 549 00:29:25.960 --> 00:29:27.279 And then about. 550 00:29:27.000 --> 00:29:30.200 Four months later they called me and said era had 551 00:29:30.200 --> 00:29:34.440 been made. They wanted that five thousand dollars back and 552 00:29:34.559 --> 00:29:39.240 we could either do payment plan or they would keep 553 00:29:39.319 --> 00:29:42.839 my Social Security from me. Until that five thousand was paid. 554 00:29:43.400 --> 00:29:46.640 So I talked to my attorney and she told me 555 00:29:46.680 --> 00:29:49.880 to go down and get a waiver, which a lot 556 00:29:49.920 --> 00:29:51.000 of people don't know about. 557 00:29:51.440 --> 00:29:52.680 And got the waiver. 558 00:29:53.319 --> 00:29:55.839 Now, where'd you get the waiver? Where'd you get the waiver? 559 00:29:56.640 --> 00:29:59.640 I was living in Las Vegas at the time, And 560 00:29:59.680 --> 00:30:03.519 I mean, did you get it from Social Security or where? Yeah, 561 00:30:03.519 --> 00:30:05.880 that's the only place you can get it from Social Security. 562 00:30:06.240 --> 00:30:11.759 A waiver to pay them back kidney, a waiver saying 563 00:30:11.839 --> 00:30:13.519 you did not have to pay them back. 564 00:30:14.559 --> 00:30:17.799 The waiver that I got said that I had to 565 00:30:17.839 --> 00:30:19.519 pay them back and I had to fill out this 566 00:30:19.599 --> 00:30:23.400 wave was like a booklet, was like twenty pages. My 567 00:30:23.519 --> 00:30:26.759 attorney killed it out for me. 568 00:30:27.920 --> 00:30:30.759 Okay, But the waiver said you wanted to get away 569 00:30:30.759 --> 00:30:33.319 from paying that. In other words, the waiver was a 570 00:30:33.359 --> 00:30:35.519 waving away from paying Is that. 571 00:30:35.519 --> 00:30:37.799 Right exactly exactly? 572 00:30:38.079 --> 00:30:40.279 And did it go through? Were you able to keep 573 00:30:40.279 --> 00:30:40.759 the money? 574 00:30:41.920 --> 00:30:43.960 I was able to keep the money. 575 00:30:44.119 --> 00:30:45.240 Definitely. Yes. 576 00:30:45.680 --> 00:30:46.640 They were really upset. 577 00:30:47.200 --> 00:30:48.559 They was really upset about it. 578 00:30:48.559 --> 00:30:49.799 They don't like to lose. 579 00:30:50.640 --> 00:30:55.640 So what happened that they must have put something on 580 00:30:55.720 --> 00:30:58.319 my account because when I would call later off about 581 00:30:58.359 --> 00:31:00.880 something else, I was either put on hold, oh I 582 00:31:00.920 --> 00:31:01.720 was disconnected. 583 00:31:01.920 --> 00:31:05.359 So okay, well, thank you for that information. Anita, Listen, 584 00:31:05.559 --> 00:31:08.960 I was, I'm not aware of any kind of waivers. Now, 585 00:31:08.960 --> 00:31:10.920 I'm not saying she's not telling me the truth. I mean, 586 00:31:10.920 --> 00:31:12.640 if she says it happened, it happened, I have no 587 00:31:12.680 --> 00:31:15.039 reason to disbelieve her. But the fact that there would 588 00:31:15.039 --> 00:31:18.240 be a waiver allowing you to keep money that they 589 00:31:18.319 --> 00:31:24.079 sent you by mistake is beyond is beyond me and Pat, 590 00:31:24.319 --> 00:31:27.400 one of my financial guests today, Pat, you said, there's 591 00:31:27.440 --> 00:31:31.000 a there's a windfall bill that says you a formula 592 00:31:31.039 --> 00:31:33.599 for paying back, right, or a formula for offsetting and 593 00:31:33.640 --> 00:31:34.160 paying back. 594 00:31:34.400 --> 00:31:37.079 Well, there's a there's a formula that if you have 595 00:31:37.279 --> 00:31:40.440 participated in Social Security, but we're also a participant in 596 00:31:40.480 --> 00:31:42.559 a non covered pension like parafe. 597 00:31:42.599 --> 00:31:42.799 Yeah. 598 00:31:42.839 --> 00:31:46.960 Yeah, you can go online and the Windfall Elimination Provision 599 00:31:46.960 --> 00:31:49.039 formula is there and you can calculate what the offset's 600 00:31:49.039 --> 00:31:51.119 going to be. So there's a way for planning to 601 00:31:51.240 --> 00:31:52.920 know what that's going to be when the time comes. 602 00:31:53.519 --> 00:31:58.119 All right, So there you there's a law that talks 603 00:31:58.119 --> 00:32:01.480 about not only offsetting, but the form for offsetting Anita 604 00:32:01.559 --> 00:32:03.920 said she was able to fill out a waiver so 605 00:32:03.960 --> 00:32:06.039 she didn't have to pay. We have to take this break. 606 00:32:06.119 --> 00:32:13.039 I have more coming right up. Go with a sure 607 00:32:13.119 --> 00:32:16.559 thing Denver's best roofer Excel Roofing dot com. You don't 608 00:32:16.599 --> 00:32:22.160 pay a cent until you're content. Wait time for an 609 00:32:22.160 --> 00:32:25.799 insurance check up free, no obligation. In comparison, call Compass 610 00:32:25.839 --> 00:32:29.119 Insurance paying too much your coverage at dozens of insurance 611 00:32:29.160 --> 00:32:32.240 companies find out now three all three seven seven to one. Help. 612 00:32:32.440 --> 00:32:35.039 You'll think you're his only customer when you choose Frank 613 00:32:35.119 --> 00:32:37.559 durand the real estate Man dot com to list your 614 00:32:37.599 --> 00:32:40.720 home with Remax Alliance three all three nine two zero 615 00:32:40.880 --> 00:32:46.160 sixteen twenty two. Hi Tom Martino here three O three 616 00:32:46.200 --> 00:32:48.799 seven to one three talks Sam. I'll give you more 617 00:32:48.839 --> 00:32:51.000 time at the after the break, but take us start out. 618 00:32:51.039 --> 00:32:53.359 What's going on? Sam? 619 00:32:53.599 --> 00:32:58.960 Okay, it's we're at Congress. Parpartments are being about two 620 00:32:59.000 --> 00:33:02.160 going on three years. When we first got here, I 621 00:33:02.240 --> 00:33:06.200 was committed a request for reasonable accommodations, which they never 622 00:33:06.359 --> 00:33:09.599 got because that's such a high turnover rate with the management. 623 00:33:10.160 --> 00:33:13.000 Yeah, so what kind of what kind of accommodations were 624 00:33:13.039 --> 00:33:13.440 you looking? 625 00:33:13.440 --> 00:33:21.519 For because my mom's a she's disabled, she says, diabetes's some. 626 00:33:21.759 --> 00:33:26.680 And what kind of accommodations were you looking for? Sam? 627 00:33:26.720 --> 00:33:30.119 Just a bigger place and and just something she could 628 00:33:30.119 --> 00:33:33.759 get to because the elevator always goes out here and 629 00:33:33.759 --> 00:33:36.480 it's just small. She can't get around in her apartment. 630 00:33:36.759 --> 00:33:38.680 Okay, Well she's not in a wheelchair, is she? 631 00:33:39.839 --> 00:33:40.079 Yeah? 632 00:33:40.960 --> 00:33:41.200 Yeah? 633 00:33:41.240 --> 00:33:46.359 Oh okay, uh huh all right, So how how long 634 00:33:46.400 --> 00:33:48.440 ago did you ask for these accommodations? 635 00:33:49.519 --> 00:33:51.400 Oh, this is like when we first moved in. 636 00:33:51.640 --> 00:33:52.480 And how long ago? 637 00:33:54.160 --> 00:33:56.559 About two years ago? Over two years ago? 638 00:33:57.079 --> 00:33:59.079 Okay, hold on and let's see what we can do 639 00:33:59.160 --> 00:34:03.200 for you. Okay, hey, Kachina, we have someone who deals 640 00:34:03.240 --> 00:34:08.719 with housing for the Americans with Disabilities Act. I believe, 641 00:34:08.760 --> 00:34:10.960 I believe we have an expert. We let on now, 642 00:34:10.960 --> 00:34:14.039 and then who we go with a sure thing Denver's 643 00:34:14.079 --> 00:34:17.000 Best Roofer Excel Roofing dot com. You don't pay a 644 00:34:17.079 --> 00:34:23.559 cent until you're content. Three time for an insurance check up, free, 645 00:34:23.639 --> 00:34:27.679 no obligation comparison call compass insurance paying too much your 646 00:34:27.719 --> 00:34:30.639 coverage at dozens of insurance companies find out now three 647 00:34:30.719 --> 00:34:33.239 oh three seven seven to one. Help you'll think you're 648 00:34:33.280 --> 00:34:35.800 his only customer. When you choose Frank durand the real 649 00:34:35.880 --> 00:34:38.880 estate Man dot Com to list your home with Remax 650 00:34:38.920 --> 00:34:42.039 Alliance three oh three nine two zero sixteen twenty two. 651 00:34:47.920 --> 00:34:57.000 D news need who you don't have, Run as fast 652 00:34:57.039 --> 00:34:57.760 as you can. 653 00:34:59.000 --> 00:35:00.960 Shoot 's gonna come. 654 00:35:01.519 --> 00:35:01.639 Man. 655 00:35:02.519 --> 00:35:07.559 This is the Troubleshooter Show. No Tom Martino, Hey. 656 00:35:07.559 --> 00:35:10.119 Tom Martino here, Welcome to the show, the only show 657 00:35:10.159 --> 00:35:12.519 if it's kind of anywhere in the universe. And if 658 00:35:12.559 --> 00:35:15.119 you happen to ever download or stream the show, you'll 659 00:35:15.119 --> 00:35:17.000 see we have a studio full of people and then 660 00:35:17.079 --> 00:35:21.440 we're having fun solving problems, answering questions, taking complaints, and 661 00:35:21.480 --> 00:35:24.039 we'll go right back to the phones. So welcome to 662 00:35:24.079 --> 00:35:29.880 the show. Now, let's talk about these outages. There have 663 00:35:30.079 --> 00:35:34.320 been some suspicious fires set near some communication hubs, or 664 00:35:34.400 --> 00:35:37.360 when I say communication hubs, let's talk about these junction 665 00:35:37.480 --> 00:35:40.920 boxes which have cable and broadband in them, and they 666 00:35:40.960 --> 00:35:45.400 think they're suspicious. I don't know. Do you think somebody's 667 00:35:45.440 --> 00:35:51.760 trying to interrupt our communications or our infrastructure? Hmm, I'm 668 00:35:51.800 --> 00:35:56.280 reading about this now, This one on broadband outages being 669 00:35:56.360 --> 00:36:00.000 blamed on vandalism fires. No One mentions terror. Of course, 670 00:36:00.280 --> 00:36:02.960 no one mentions immigrants, And of course I'm not suggesting 671 00:36:03.000 --> 00:36:06.000 it is terror or immigrants. I'm just saying that some 672 00:36:06.639 --> 00:36:13.760 textures did. And then basically there have been some suspicious events. 673 00:36:13.800 --> 00:36:18.280 This is being reported by Fox thirty one, and of 674 00:36:18.360 --> 00:36:23.760 course I'm just reading what I'm reading, so I don't 675 00:36:23.800 --> 00:36:25.920 know if you guys have been affected by it. But 676 00:36:25.960 --> 00:36:31.719 we got a call. And then also let's see, Okay, 677 00:36:32.000 --> 00:36:38.119 we have phone callers who are upset in general with 678 00:36:40.079 --> 00:36:43.320 broadband in general. They say, all over the city it's 679 00:36:43.360 --> 00:36:48.880 been spotty, not just because of outages, but spottiness. I'm 680 00:36:48.920 --> 00:36:52.840 having rock solid stuff on my I mean service. But 681 00:36:53.760 --> 00:36:56.480 how about it, people, I mean, some of my YouTube 682 00:36:56.480 --> 00:36:59.360 morals are always complaining about stuff and blaming me for it. 683 00:36:59.440 --> 00:37:03.280 And it's not like jittery video or some kind of 684 00:37:03.559 --> 00:37:06.199 stuff like that. And it has nothing to do with 685 00:37:06.239 --> 00:37:08.239 my feed. It has to do with how you receive it. 686 00:37:08.280 --> 00:37:11.840 I think, Okay, let's go to the phones instead of 687 00:37:11.840 --> 00:37:19.599 playing the blame game here on my listeners. Right wong, Oh, no, 688 00:37:19.679 --> 00:37:22.320 I'm sorry. Let me go back to Sam. I'm sorry, Sam, 689 00:37:22.360 --> 00:37:25.719 I dropped off with Sam. You wanted to continue here? 690 00:37:26.199 --> 00:37:30.159 You and your mom live in Congress Park apartments, and 691 00:37:30.199 --> 00:37:33.360 you ask for some accommodations for your mom. Your mom 692 00:37:33.360 --> 00:37:36.159 has diabetes. But I want to know when we talk 693 00:37:36.199 --> 00:37:39.320 about accommodations, what did you specific you've been there for. 694 00:37:40.519 --> 00:37:43.840 I can talk to you. What kind of accommodations were 695 00:37:43.840 --> 00:37:50.599 you looking for? Go ahead? 696 00:37:51.079 --> 00:37:53.519 You want to know what accommodations are we looking for? 697 00:37:53.679 --> 00:37:56.440 What's your mom's name? Sam? What's your mom's name? Who's 698 00:37:56.440 --> 00:37:57.960 on the line. I would like to talk to her? 699 00:37:58.039 --> 00:37:58.679 What's your name? 700 00:37:59.280 --> 00:37:59.920 Yeah, I'm agreed. 701 00:38:01.920 --> 00:38:02.960 What callum Madrid? 702 00:38:04.840 --> 00:38:05.639 Calum Madrid? 703 00:38:08.079 --> 00:38:09.519 Okay? 704 00:38:11.360 --> 00:38:11.760 Spella? 705 00:38:13.280 --> 00:38:14.519 Yeah, Spella. 706 00:38:15.360 --> 00:38:16.880 That's the weirdest name I've ever heard. 707 00:38:16.880 --> 00:38:23.519 Spella p E L l A p E Pella. 708 00:38:23.719 --> 00:38:27.880 Okay, Okay, it doesn't. I'm just gonna call you. Hey you, Sam, 709 00:38:27.920 --> 00:38:30.840 and hey you? What are you looking for? Specifically? 710 00:38:32.800 --> 00:38:36.280 I'm looking for a wheelchair accessible okay, apartment? 711 00:38:36.800 --> 00:38:39.719 And what did Okay? I'm see we're trying to find 712 00:38:39.760 --> 00:38:43.400 our our expert on housing for Americans with disabilities. I 713 00:38:43.400 --> 00:38:46.280 don't I don't know if that's considered a reasonable accommodation. 714 00:38:46.360 --> 00:38:49.280 I'm not sure. I'm saying, do they have apartments that 715 00:38:49.400 --> 00:38:50.719 are wheelchair accessible? 716 00:38:52.960 --> 00:38:55.480 They have like two of them. 717 00:38:55.800 --> 00:38:58.400 Are they taking? Are they are they taking? 718 00:38:58.480 --> 00:39:00.639 And they're taking everything? 719 00:39:02.000 --> 00:39:06.800 Okay, but hold on, So so maybe they just say 720 00:39:06.800 --> 00:39:09.559 we don't have any available. What if they told you that, 721 00:39:09.599 --> 00:39:10.440 what would you say? 722 00:39:11.679 --> 00:39:13.000 Well, that's what they tell me. 723 00:39:15.400 --> 00:39:21.000 Okay, Well do you think that they're lying to you? 724 00:39:21.199 --> 00:39:21.559 Well? 725 00:39:22.079 --> 00:39:24.599 Sometimes I wonder if I mean, I don't know. 726 00:39:24.719 --> 00:39:27.679 How about if we have someone call over there and 727 00:39:27.920 --> 00:39:32.119 just have different apartments? So are you willing to move? 728 00:39:32.199 --> 00:39:36.000 Obviously right, I'm willing to move, but I don't want 729 00:39:36.039 --> 00:39:36.960 another apartment. 730 00:39:38.440 --> 00:39:44.280 I've lived here for a year and a half. I wait, 731 00:39:44.559 --> 00:39:45.440 what do you want them to do? 732 00:39:45.440 --> 00:39:48.280 Do you want them to remodel your hold on to 733 00:39:48.280 --> 00:39:52.119 your sage? Okay, do you want them? I'm just asking 734 00:39:52.440 --> 00:39:55.400 to remodel the apartment you're in. Do you want them 735 00:39:55.400 --> 00:39:58.480 to find you a new, better suited apartment? What are 736 00:39:58.519 --> 00:40:03.440 you asking for? So when we all over there, okay. 737 00:40:03.199 --> 00:40:07.159 For someone Brown, I don't want nothing with the elevator. 738 00:40:07.880 --> 00:40:12.159 The elevator here has broken down eight eight times, and 739 00:40:12.280 --> 00:40:13.440 I can't okay with that? 740 00:40:13.880 --> 00:40:19.719 Okay, Okay, I am right now trying to find my 741 00:40:19.840 --> 00:40:23.119 person with Americans with hey, Kachina, were we able to 742 00:40:23.159 --> 00:40:26.039 find her. Yes, I reached out to her. She has 743 00:40:26.079 --> 00:40:28.800 not gone back to me yet. Okay, we're gonna do 744 00:40:29.039 --> 00:40:33.039 a couple things. We're going to get a deputy to 745 00:40:33.119 --> 00:40:36.960 call over and to see if they have it, and 746 00:40:37.000 --> 00:40:39.480 then we're going to have this expert come on and 747 00:40:39.519 --> 00:40:42.000 tell us what your what your rights are. But from 748 00:40:42.039 --> 00:40:45.960 what I'm looking up right now, Americans with Disabilities Act 749 00:40:46.039 --> 00:40:55.639 and Fair Housing Act, large complexes must accommodate people with disabilities, 750 00:40:56.000 --> 00:41:01.800 and they have to provide accessible housing for field chairs. Okay, 751 00:41:02.239 --> 00:41:06.880 primarily it's it's for big apartment places and public now listen, 752 00:41:07.440 --> 00:41:11.199 but listen to this. They can't discriminate. They have to 753 00:41:11.199 --> 00:41:13.239 have a certain number of units. I don't know how 754 00:41:13.280 --> 00:41:16.920 many units. It says, first of all, all common areas 755 00:41:16.960 --> 00:41:20.119 must be accessible, and then there must be ground for 756 00:41:20.519 --> 00:41:26.599 or elevator accessibility. And then it says that wider doorways. 757 00:41:26.880 --> 00:41:30.000 They have to have some apartments with wider doorways and 758 00:41:30.519 --> 00:41:35.119 accessible light switches and reinforced walls and stuff for wheelchairs. 759 00:41:35.639 --> 00:41:38.960 Tenants have the right to request reasonable accommodations such as 760 00:41:39.039 --> 00:41:43.400 ramps and stuff like that. Structural modifications are often the 761 00:41:43.599 --> 00:41:49.000 tenants financial responsibility unless they have apartments available. So it's 762 00:41:49.039 --> 00:41:51.440 really a mixed bag as to what you can demand. 763 00:41:52.079 --> 00:41:54.280 Deputy doc, are you are you at the studio? You 764 00:41:54.320 --> 00:41:55.599 want to make a call that to that? 765 00:41:55.760 --> 00:41:59.480 I just have one question, Tom, Yes, sir, if you 766 00:41:59.559 --> 00:42:02.880 want it all of these things done, why did you 767 00:42:02.920 --> 00:42:05.800 move into that apartment to begin with? If you knew 768 00:42:06.119 --> 00:42:08.119 that it wasn't what you. 769 00:42:08.480 --> 00:42:12.159 Yeah, in other words, in other words, that's a fair question. 770 00:42:12.360 --> 00:42:13.239 That's a fair question. 771 00:42:13.400 --> 00:42:16.079 I was holding this and I was staying in my truck. 772 00:42:16.960 --> 00:42:19.639 I was there for six years, and I was just 773 00:42:19.679 --> 00:42:23.079 looking for something that I can live in instead of 774 00:42:23.119 --> 00:42:25.239 my truck being cold and everything. 775 00:42:25.320 --> 00:42:29.079 Oh my, you lived in a truck first six years? 776 00:42:29.800 --> 00:42:30.079 What? 777 00:42:31.519 --> 00:42:31.719 Yes? 778 00:42:33.079 --> 00:42:36.119 So I just got the first thing that popped up. Well, 779 00:42:36.360 --> 00:42:40.480 it wasn't because I wanted it. 780 00:42:40.519 --> 00:42:43.360 Is this subsidized housing? 781 00:42:45.239 --> 00:42:50.400 It is, No, it's it's just the incomes online. 782 00:42:50.440 --> 00:42:54.400 No, okay, that's so it's slow income. Okay. So how 783 00:42:54.440 --> 00:42:56.239 long did it take you to get that? How long 784 00:42:56.239 --> 00:42:57.920 did you have to wait on a list for that? 785 00:42:58.199 --> 00:42:59.119 Two years? 786 00:43:00.239 --> 00:43:02.360 My goodness? How did you end up in your truck? 787 00:43:02.880 --> 00:43:06.079 That's because I went homeless? 788 00:43:06.360 --> 00:43:08.519 Okay? Did you run out of money or job? How 789 00:43:08.559 --> 00:43:08.960 old are you. 790 00:43:10.440 --> 00:43:11.639 I'm sixty five. 791 00:43:12.320 --> 00:43:13.960 Oh that's terrible, So. 792 00:43:15.079 --> 00:43:17.280 Six next month, if God's willing. 793 00:43:17.440 --> 00:43:21.000 Are you getting so shorty disability? 794 00:43:21.199 --> 00:43:22.440 Yes? Good? 795 00:43:23.119 --> 00:43:26.519 Okay, Hey listen, we're going to try to reach out 796 00:43:26.559 --> 00:43:29.039 to that apartment place, so hang on, okay, dear three 797 00:43:29.119 --> 00:43:31.880 all three seven one three talks seven one three eight 798 00:43:31.880 --> 00:43:34.760 two five five. We're also reaching out to our fair 799 00:43:34.800 --> 00:43:39.800 Housing expert and Americans with Disabilities Act. And her name 800 00:43:40.039 --> 00:43:43.119 is Pella, like the window, I think, so I'm just 801 00:43:43.159 --> 00:43:46.039 gonna write that down. Thank you doc for taking this. 802 00:43:46.679 --> 00:43:49.880 Three oh three seven one three A two five five. Listen. 803 00:43:50.760 --> 00:43:54.840 We all have our crosses to bear, don't we. Okay? Now, 804 00:43:56.480 --> 00:44:01.559 speaking of uh insurance, nobody was, but I'm going to 805 00:44:01.679 --> 00:44:04.639 compass Insurance group wants to make sure you're not paying 806 00:44:04.679 --> 00:44:07.519 too much or if you have a great deal, they 807 00:44:07.519 --> 00:44:09.880 want to let you know, So give them a call 808 00:44:09.960 --> 00:44:12.159 three oh three nine ninety six nine thousand for a 809 00:44:12.239 --> 00:44:21.519 free insurance checkup the Insurancehelpcenter dot com. Go with a 810 00:44:21.559 --> 00:44:25.119 sure thing Denver's Best Roofer Excel Roofing dot com. You 811 00:44:25.159 --> 00:44:30.920 don't pay a cent until you're content time for an 812 00:44:30.920 --> 00:44:35.599 insurance checkup free, no obligation comparison call Compass Insurance paying 813 00:44:35.599 --> 00:44:38.679 too much your coverage at dozens of insurance companies find 814 00:44:38.679 --> 00:44:41.039 out now three all three seven to seven to one help. 815 00:44:41.199 --> 00:44:43.840 You'll think you're his only customer when you choose Frank 816 00:44:43.880 --> 00:44:46.360 durand the real estate man dot com to list your 817 00:44:46.360 --> 00:44:49.480 home with Remax Alliance three all three nine two zero 818 00:44:49.639 --> 00:44:59.760 sixteen twenty two. Hi Tom Martino, your trouble shooter three 819 00:44:59.800 --> 00:45:03.400 all three seven one three talks seven one three eight 820 00:45:03.440 --> 00:45:08.199 two five five. Okay, Chris with discount bath Someone wants 821 00:45:08.239 --> 00:45:13.599 to know on your shower conversions. What if that's not 822 00:45:13.679 --> 00:45:17.440 really conversion? Folks? Can you do just okay, they have 823 00:45:17.519 --> 00:45:21.760 a bathroom, can they add just a shower? They don't 824 00:45:21.840 --> 00:45:23.679 have but they have the room, they just don't have 825 00:45:23.719 --> 00:45:27.239 anything there. Can they add a shower? It wouldn't be 826 00:45:27.239 --> 00:45:29.880 called a conversion though, obviously No. 827 00:45:30.159 --> 00:45:33.519 I think probably there's some space in a closet or somewhere. 828 00:45:33.559 --> 00:45:35.400 And then yeah, we can move plumbing. 829 00:45:35.159 --> 00:45:37.960 So you can add stuff, not just remodels. 830 00:45:38.000 --> 00:45:38.599 Yeah, of course. 831 00:45:38.880 --> 00:45:41.719 Yeah. Now in the conversions where you pull out the tubs, 832 00:45:42.599 --> 00:45:46.400 I think everyone should get rid of shoubs. That's the 833 00:45:46.480 --> 00:45:49.960 name I gave them, shoubs. You know, shower tubs because 834 00:45:50.000 --> 00:45:52.400 they suck and they're ugly, and they're noisy, and they're 835 00:45:52.519 --> 00:45:56.400 dangerous and they're they're terrible. Do they still put them 836 00:45:56.400 --> 00:45:57.639 in new houses and specs? 837 00:45:57.760 --> 00:45:58.159 They do? 838 00:45:58.440 --> 00:46:01.519 Really, So that's a big job. So that's a good 839 00:46:01.639 --> 00:46:03.599 business to convert those absolutely. 840 00:46:03.679 --> 00:46:04.280 Yeah. 841 00:46:04.360 --> 00:46:07.800 Now are people willing to forego the tub? But nowadays yeah, 842 00:46:08.079 --> 00:46:11.360 more often than not, otherwise known as germ baths. Yeah, 843 00:46:11.960 --> 00:46:16.199 you don't think about it or have a separate tub 844 00:46:16.360 --> 00:46:19.760 and a separate shower. Combining them not a good idea. 845 00:46:19.800 --> 00:46:21.079 Yeah, so you see that in the master. 846 00:46:21.239 --> 00:46:23.760 But the hall bath, I mean more often than not 847 00:46:23.880 --> 00:46:26.400 people want it to be a shower. The only reason 848 00:46:26.440 --> 00:46:31.280 they want the tub is small kids and pets. Pets, Yeah, 849 00:46:31.280 --> 00:46:32.159 they wash their pets. 850 00:46:32.199 --> 00:46:35.239 Now, Pat, he has a solution for that. Do you 851 00:46:35.239 --> 00:46:38.000 know what he did in one of his houses, Pat Jollif, oh, 852 00:46:38.360 --> 00:46:40.400 my partner at Wave eight. You know what he did? 853 00:46:41.639 --> 00:46:45.480 He put in good come on, this is decades. He 854 00:46:45.599 --> 00:46:47.239 put in a shower for his dogs. 855 00:46:47.519 --> 00:46:48.679 And we've done that before too. 856 00:46:49.239 --> 00:46:52.360 You have you install those yea, the best thing. 857 00:46:52.719 --> 00:46:54.400 They're elevated and you put your. 858 00:46:54.320 --> 00:46:57.960 Dog, yeah, no fooling, And then you start using them 859 00:46:57.960 --> 00:46:58.599 for a bunch of others. 860 00:46:58.840 --> 00:47:01.960 Hold on now, hold on, Chris, I'm going to start going. No, 861 00:47:02.039 --> 00:47:04.480 I'm not going to make take all your advertising time, 862 00:47:04.719 --> 00:47:06.360 but I'm going to mention that one so on, so 863 00:47:06.519 --> 00:47:08.719 you can put in well, what do you call it 864 00:47:08.760 --> 00:47:11.079 a shower bay for the dog or a grooming bay 865 00:47:11.159 --> 00:47:13.239 or what? What is it? It's a it's a shower. 866 00:47:13.320 --> 00:47:15.039 Yeah, it's just a shower. Is a pet shower? 867 00:47:15.159 --> 00:47:18.280 Now? Pat put in this subway tile looks really good 868 00:47:18.440 --> 00:47:20.559 and it's elevated so they can stand there. And then 869 00:47:20.559 --> 00:47:22.920 they got the spray they can pull. Did I notice 870 00:47:22.920 --> 00:47:25.239 you have that you can spread on, you can hold 871 00:47:25.239 --> 00:47:26.000 the Wand. 872 00:47:25.920 --> 00:47:27.960 The only suggestion I would make on that that was 873 00:47:28.079 --> 00:47:29.760 to make sure that you put a toe kick in there, 874 00:47:29.800 --> 00:47:31.719 because we didn't do that. And if you're and. 875 00:47:31.639 --> 00:47:33.239 We've got two, what do you mean by a toe? 876 00:47:33.719 --> 00:47:37.239 Toe kick? Is where your toes can slide underneath a 877 00:47:37.239 --> 00:47:40.679 little bit. Oh, otherwise you're too far and you know, 878 00:47:40.719 --> 00:47:41.360 I've got some back. 879 00:47:41.360 --> 00:47:42.960 I never even thought about that. 880 00:47:43.360 --> 00:47:46.119 Yeah, But aside from that, they're phenomenal. Is the best 881 00:47:46.119 --> 00:47:48.000 thing that we did in that house, and everybody gets 882 00:47:48.000 --> 00:47:49.719 a kick out of it because nobody's ever seen one. 883 00:47:49.960 --> 00:47:51.360 It's something to do, for sure. 884 00:47:51.639 --> 00:47:54.360 So where do you put those, Chris the discount bath 885 00:47:54.400 --> 00:47:55.440 dot com? Do you put them? 886 00:47:55.480 --> 00:47:57.360 The one we did was in the basement and it 887 00:47:57.440 --> 00:47:59.280 was for a great dane, so it wasn't. 888 00:48:00.559 --> 00:48:01.679 Just jumped in there. 889 00:48:01.719 --> 00:48:04.960 Yeah, so the dane had its own shower. But yeah, 890 00:48:05.039 --> 00:48:07.760 that's as a matter of fact. Way back, I owned 891 00:48:07.920 --> 00:48:10.639 a laundromat and we added a pet wash in there, 892 00:48:10.639 --> 00:48:11.840 and well, that's a good idea. 893 00:48:11.920 --> 00:48:15.679 Do it yourself. Gloomering areas are pretty cool. We have 894 00:48:15.960 --> 00:48:19.280 we have them in several in Colorado. Now. The closest 895 00:48:19.280 --> 00:48:21.079 I came to animal stuff like this is in my barn, 896 00:48:21.159 --> 00:48:23.119 of course, and a lot of people with barns put 897 00:48:23.159 --> 00:48:25.480 in a wash rack for their horses. It's you know, 898 00:48:25.559 --> 00:48:29.119 it's a it's a gritted concrete. You obviously don't want 899 00:48:29.159 --> 00:48:32.119 it slick, and then you have the center drain or 900 00:48:32.159 --> 00:48:35.559 perimeter drain, and then you have the instant hot water 901 00:48:35.639 --> 00:48:39.159 there and you have the big wand like a car 902 00:48:39.320 --> 00:48:41.840 wash almost overhead so they don't get caught up in 903 00:48:41.880 --> 00:48:44.320 it with their feet. And it's a pretty cool thing 904 00:48:44.360 --> 00:48:48.199 to have a washrack for horses, of course, and we're 905 00:48:48.199 --> 00:48:51.039 talking about first world problems here, folks. I mean, come on, 906 00:48:51.440 --> 00:48:54.440 we're installing washes and showers for our dogs and cats. 907 00:48:54.519 --> 00:48:58.960 But you know, okay, now, when it comes to bathrooms, 908 00:49:00.159 --> 00:49:03.880 somebody wants to know can you find room in most 909 00:49:03.920 --> 00:49:06.519 of these? I don't know what is a mid sized 910 00:49:06.559 --> 00:49:08.599 bath I don't even know what that means. But anyway, 911 00:49:08.960 --> 00:49:12.320 they have a shower tub, they have a toilet, and 912 00:49:12.360 --> 00:49:14.440 they have a sink. Okay, what they want to do 913 00:49:14.480 --> 00:49:16.960 is have a his and her sink and they want 914 00:49:16.960 --> 00:49:20.119 to have they want to have just a shower conversion. 915 00:49:20.880 --> 00:49:23.760 Can you usually find room to do? I mean, that's 916 00:49:23.840 --> 00:49:25.199 kind of hard. So that's where you. 917 00:49:25.159 --> 00:49:28.360 Need the video, right, Yeah, absolutely, it's well I couldn't 918 00:49:28.360 --> 00:49:30.320 even give a percentage to that, but it matters the 919 00:49:30.360 --> 00:49:34.079 size of the bathroom. I need at least five feet 920 00:49:34.440 --> 00:49:36.719 for a vanity to have two sinks in. 921 00:49:36.679 --> 00:49:40.599 It, Okay, five feet of wall, yes, ok. 922 00:49:40.639 --> 00:49:42.920 And I have to have thirty inches for the toilet, 923 00:49:42.960 --> 00:49:45.719 fifteen on either fifteen inches on either side of the 924 00:49:45.800 --> 00:49:47.400 drain of the center of the toilet. 925 00:49:47.519 --> 00:49:50.440 Now can you tell that from cell phone video? Usually? Yeah? 926 00:49:50.599 --> 00:49:53.199 I mean you count tiles and there's things that you 927 00:49:53.239 --> 00:49:56.320 can look at Sometimes you can't tell, but more often. 928 00:49:56.079 --> 00:49:58.559 Than that we can see the size. 929 00:49:58.599 --> 00:50:01.920 All right, three h three seven one three dogs seven 930 00:50:01.960 --> 00:50:04.400 one three eight two five five And someone else? Do 931 00:50:04.440 --> 00:50:07.199 you do bathrooms where none exists? Okay? Or do you 932 00:50:07.440 --> 00:50:09.320 just do where they're already there? 933 00:50:09.360 --> 00:50:11.280 No, we'll do a new new build. 934 00:50:11.320 --> 00:50:13.719 Typically that's in a basement where there's there's roughed in 935 00:50:13.800 --> 00:50:14.440 plumbing or. 936 00:50:14.559 --> 00:50:16.880 Yeah, because otherwise to rough end would be impossible. 937 00:50:16.920 --> 00:50:18.239 Right, Yeah, I mean you can do it. 938 00:50:18.239 --> 00:50:20.000 It just really matters where the drains are and how 939 00:50:20.079 --> 00:50:21.599 much concrete you have to bust up. 940 00:50:21.920 --> 00:50:25.119 Okay, my goodness, people are using my Google phone seven 941 00:50:25.199 --> 00:50:28.280 four seven, nine nine nine fifty two eighty because this 942 00:50:28.320 --> 00:50:32.079 one says, can you is where the toilet drain the 943 00:50:32.159 --> 00:50:35.719 pre designating spot? I must have my toilet. I guess 944 00:50:35.760 --> 00:50:38.039 they're talking about rough in where you see that hole 945 00:50:38.079 --> 00:50:40.519 in the floor? Can you You can't move that, can you? 946 00:50:40.559 --> 00:50:40.639 So? 947 00:50:41.039 --> 00:50:44.239 Uh, if it's an existing bathroom you don't want to 948 00:50:44.239 --> 00:50:47.039 move the toilet, it can be done, but typically, especially 949 00:50:47.039 --> 00:50:48.000 on the second, you'd. 950 00:50:47.840 --> 00:50:48.920 Have to break up the floor. 951 00:50:49.000 --> 00:50:51.599 Now, yeah, it's it's it's probably the most challenging thing 952 00:50:51.639 --> 00:50:55.239 when somebody says, Hey, the toilet, it's in the basement, 953 00:50:55.480 --> 00:50:57.880 and you know there's nothing there, right, you. 954 00:50:57.840 --> 00:51:01.199 Can Otherwise you'd have to jackhammer the congress. I mean literally, 955 00:51:01.199 --> 00:51:05.719 you have to reduce stuff is difficult. Yeah, okay, if 956 00:51:05.760 --> 00:51:09.079 you're out of house, this is the last one I'm taking. Well, 957 00:51:09.119 --> 00:51:11.719 you guys can still continue to text seven four seven 958 00:51:11.800 --> 00:51:14.599 nine nine, nine fifty eighty and two of these I 959 00:51:14.599 --> 00:51:17.920 think we're from the same people, two from two people, 960 00:51:18.159 --> 00:51:19.920 you know, four from two people, and then the rest 961 00:51:19.960 --> 00:51:23.599 were individual. The one about if you're in a house 962 00:51:23.639 --> 00:51:26.079 doing a kitchen and it's a small can you do 963 00:51:26.519 --> 00:51:29.719 a bath? Can you do the kitchen? Yeah you can. 964 00:51:29.679 --> 00:51:32.239 Yep, yep. We just finished one, actually two bathrooms in 965 00:51:32.239 --> 00:51:32.760 a kitchen. 966 00:51:32.920 --> 00:51:35.800 Okay, well I never mentioned that either. So it's discount bath. 967 00:51:36.079 --> 00:51:39.760 You couldn't get discount bathroom kitchen dot com. No, No, 968 00:51:39.880 --> 00:51:43.719 probably not discount bath and more. Okay, so that's Chris 969 00:51:43.800 --> 00:51:48.480 discount bath dot com. And okay, so I said I 970 00:51:48.519 --> 00:51:52.239 had Pat with me, Pat jobab from uh Wave eight. 971 00:51:52.440 --> 00:51:55.679 I love saying this Wave eight financial Financial or excuse me, 972 00:51:55.719 --> 00:51:58.760 Wave eight Wealth Management. And again I told you I 973 00:51:58.840 --> 00:52:02.719 started this company specifically for myself years ago, and I said, Pat, 974 00:52:02.880 --> 00:52:04.199 just this, you're going to be working for me if 975 00:52:04.199 --> 00:52:07.360 you don't mind. And of course he had other favorite clients. 976 00:52:07.360 --> 00:52:10.800 He had too, he really did, so they followed him 977 00:52:10.840 --> 00:52:13.599 for thirty five years. So but the bottom line is this. 978 00:52:14.320 --> 00:52:18.599 The stock market right now is both bad and good 979 00:52:18.679 --> 00:52:21.480 depending on the day. So why is that? See? See, 980 00:52:21.599 --> 00:52:23.880 I know why. I know why, and I think you 981 00:52:23.920 --> 00:52:26.280 know why. We've been reading and researching a lot, which 982 00:52:26.719 --> 00:52:29.599 of course is what differentiates us because we take an 983 00:52:29.599 --> 00:52:35.400 active role in you and the market. But this money 984 00:52:35.400 --> 00:52:40.639 anxiety thing, I find the most fan fascinating thing we've 985 00:52:40.639 --> 00:52:42.280 ever talked about. What do you think? 986 00:52:42.840 --> 00:52:45.920 Oh, I agree with you. It's one thing you know 987 00:52:46.039 --> 00:52:49.559 when you read about that. Typically, what we've done historically 988 00:52:49.639 --> 00:52:51.840 we ask people about their risk tolerance. We give them 989 00:52:51.880 --> 00:52:52.559 a questionnaire. 990 00:52:52.760 --> 00:52:53.880 Sure everyone does that. 991 00:52:54.039 --> 00:52:56.159 We give them a hypothetical question to say, if you 992 00:52:56.199 --> 00:52:58.519 saw a ten percent draw down in your portfolio, how 993 00:52:58.519 --> 00:53:01.039 would you react? And most people what, Oh, I'd stay 994 00:53:01.079 --> 00:53:03.320 the course, or I'd even invest more or whatever. 995 00:53:03.360 --> 00:53:04.639 Then they don't tell the truth. 996 00:53:04.920 --> 00:53:08.039 Well, what happens is when it when it does happen 997 00:53:08.079 --> 00:53:10.239 to them, then they run for the fences and I 998 00:53:10.239 --> 00:53:14.199 think the psychological factor of that and behavioral finances that 999 00:53:14.239 --> 00:53:16.320 it feels worse to lose and it feels good to win, 1000 00:53:17.039 --> 00:53:19.880 and people don't realize that. And so what what the 1001 00:53:19.920 --> 00:53:22.599 Money Anxiety Index has done is it's gone out and 1002 00:53:22.639 --> 00:53:26.960 measured actual variables of reactions of people to things that 1003 00:53:27.000 --> 00:53:30.280 have happened in the world, such as COVID. So and 1004 00:53:30.320 --> 00:53:33.480 there's an interesting thing, right, as an example, So COVID 1005 00:53:33.519 --> 00:53:36.239 comes along, and you wonder what's everybody going to do, 1006 00:53:36.280 --> 00:53:38.519 and everybody has their predictions and so forth. What's one 1007 00:53:38.559 --> 00:53:41.559 of the number one things that people did in reaction 1008 00:53:41.719 --> 00:53:45.440 to COVID. They went out and they bought toilet paper. 1009 00:53:45.960 --> 00:53:48.360 You know, the consumers did at the stores, right, because 1010 00:53:48.400 --> 00:53:50.400 they didn't want to be home without toilet paper. I know, 1011 00:53:50.679 --> 00:53:52.920 it was amazing to me how people did that, right, And. 1012 00:53:52.880 --> 00:53:55.360 My point bringing it up is is that's an actual 1013 00:53:55.480 --> 00:53:57.960 reaction to an occurrence in the marketplace that can be 1014 00:53:58.119 --> 00:53:59.280 measured and then it can. 1015 00:53:59.239 --> 00:54:02.360 Right to Now obviously we're not saying, you know, you 1016 00:54:02.440 --> 00:54:05.079 go out and then buy Sharman stock, but that is 1017 00:54:05.199 --> 00:54:10.639 an exaggerated example of where anxiety causes changes in a marketplace. 1018 00:54:10.679 --> 00:54:11.440 That's right, it's. 1019 00:54:11.320 --> 00:54:15.440 Taking real reactive data and applying that to market movements. 1020 00:54:15.440 --> 00:54:17.920 And there's and in the Money Anxiety Index, there's been 1021 00:54:17.960 --> 00:54:22.159 a correlation and to the market in long positions and 1022 00:54:22.280 --> 00:54:27.079 short positions for funds that exchange traded funds that outperform 1023 00:54:27.679 --> 00:54:30.039 in both market cycles. And then you can put a 1024 00:54:30.079 --> 00:54:31.639 portfolio together based upon it. 1025 00:54:31.719 --> 00:54:33.679 I don't know if this person trying to be a 1026 00:54:33.679 --> 00:54:36.320 smart astronaut that text me, what makes you so special? 1027 00:54:36.639 --> 00:54:40.000 You know everybody? You know, there's there's you know everyone, 1028 00:54:40.239 --> 00:54:44.639 there's there's dozens of shows and commercials on about financial advisement. 1029 00:54:44.880 --> 00:54:46.480 And and here's what I want to say real quick. 1030 00:54:46.599 --> 00:54:48.480 First of all, let me just explain this. We don't 1031 00:54:48.519 --> 00:54:50.360 day trade or do anything like that. And I asked, 1032 00:54:50.360 --> 00:54:53.639 do we buy? Do we you know, should we be 1033 00:54:53.760 --> 00:54:57.320 buying individual stocks? That's that's a very rare occurrence, very 1034 00:54:57.440 --> 00:55:00.760 individual stocks for certain people at certain times if they 1035 00:55:00.760 --> 00:55:03.599 have a passion or want or love, yes, But most 1036 00:55:03.639 --> 00:55:07.320 of the time you don't. If you buy and hold 1037 00:55:07.320 --> 00:55:10.079 a specific stock, who should believe in it? That's good, 1038 00:55:10.280 --> 00:55:12.519 like an Amazon or something like that. What we call 1039 00:55:12.639 --> 00:55:16.000 really solid blue chip stocks blah blah blah. But normally 1040 00:55:16.039 --> 00:55:18.440 you don't knee jerk and buy stocks and sales stocks 1041 00:55:18.440 --> 00:55:20.079 and buy stocks and sales stocks. But we do a 1042 00:55:20.079 --> 00:55:23.519 lot of funds, a lot of ETFs because those are 1043 00:55:23.559 --> 00:55:28.239 easier to track and you have less volatility. Wouldn't you say, Pat. 1044 00:55:28.079 --> 00:55:31.320 You have natural diversification built in because you have a number. 1045 00:55:31.079 --> 00:55:33.480 Of it and buy people way smarter than us. And 1046 00:55:33.519 --> 00:55:35.679 while we say we take a direct approach, which we do, 1047 00:55:35.800 --> 00:55:39.159 we do not wholesale this out like ninety eight percent 1048 00:55:39.199 --> 00:55:42.039 of all advisors wholesale it to bigger advisors. I don't care. 1049 00:55:42.519 --> 00:55:44.280 They should be honest with you and tell you that, okay, 1050 00:55:44.360 --> 00:55:47.880 they make a spread, but you do have to take 1051 00:55:47.920 --> 00:55:50.679 advantage of expertise out in the marketplace like ETFs and 1052 00:55:50.679 --> 00:55:52.639 stuff like that. But the other thing that I find 1053 00:55:52.639 --> 00:55:55.639 fascinating with money index is that you can actually trace 1054 00:55:55.719 --> 00:56:00.400 correlation to positive and negative reactions to the people's psychology, 1055 00:56:00.760 --> 00:56:03.280 not to their not to what they say, but what 1056 00:56:03.360 --> 00:56:06.480 they do and how they feel. If you if you 1057 00:56:06.559 --> 00:56:08.840 can see a sense of how people feel through this 1058 00:56:08.920 --> 00:56:10.880 index and look at I'm not going to tell you 1059 00:56:10.960 --> 00:56:12.760 the guy that developed this index, you can look it 1060 00:56:12.800 --> 00:56:16.440 up and do it. And because he's not exclusive to 1061 00:56:16.519 --> 00:56:18.920 us at all. He's just he's an expert. He's a genius. 1062 00:56:19.360 --> 00:56:22.719 And uh, he's proposing that bank accounts now be based 1063 00:56:22.760 --> 00:56:24.760 on that where they're swept and put into that so 1064 00:56:24.800 --> 00:56:26.719 you have free checking all the time. That makes money. 1065 00:56:26.920 --> 00:56:28.800 And it's not like a money market. It's a little 1066 00:56:28.800 --> 00:56:32.039 more of it's a little more aggressive than a money market, 1067 00:56:32.079 --> 00:56:35.000 but it's every bit is safe. And I think that's 1068 00:56:35.000 --> 00:56:37.880 a genius move. This guy is a genius. But anyway, 1069 00:56:38.280 --> 00:56:41.320 the money anxiety indecks we use, and we also use 1070 00:56:41.719 --> 00:56:45.280 the trend index on necessities and trends. And let me 1071 00:56:45.320 --> 00:56:49.559 just give you one example. During COVID, we had a pair. 1072 00:56:49.920 --> 00:56:53.199 We do stock pairs a lot of times, and we 1073 00:56:53.239 --> 00:56:55.360 do one long, one short, blah blah blah. But let 1074 00:56:55.360 --> 00:56:57.360 me explain this to you. We had one pair that 1075 00:56:57.480 --> 00:57:00.400 was weird. But but but one of the ups sides 1076 00:57:00.440 --> 00:57:03.159 we saw it was going to be or our intelligent, 1077 00:57:03.199 --> 00:57:07.039 our artificial intelligence told us to buy Lululemon and we 1078 00:57:07.039 --> 00:57:12.039 were wondering why and it was such a weird correlation. 1079 00:57:12.559 --> 00:57:16.360 But as it turned out, what happened during COVID, a 1080 00:57:16.400 --> 00:57:18.320 lot of people were staying home, but a lot of 1081 00:57:18.360 --> 00:57:21.039 people then worked out and walked and did things in 1082 00:57:21.079 --> 00:57:23.920 the park and were like, even though they're home, they're 1083 00:57:23.920 --> 00:57:27.480 away from work. That Lululemon did take a bump. It 1084 00:57:27.599 --> 00:57:31.880 was really cool how that trend was tracked. Anyway, if 1085 00:57:31.880 --> 00:57:34.000 you ever have any questions, you can email me here 1086 00:57:34.599 --> 00:57:37.480 and you can also text me on my Google number 1087 00:57:37.480 --> 00:57:40.400 three oh three. Oh excuse me. The Google number is 1088 00:57:40.760 --> 00:57:43.119 seven four seven nine nine nine fifty two eighty and 1089 00:57:43.159 --> 00:57:44.960 I'll give out that number for Wave eight three oh 1090 00:57:44.960 --> 00:57:47.280 three seven seven to one help seven seven one four 1091 00:57:47.320 --> 00:57:49.639 three five seven. So if you have any questions for 1092 00:57:49.719 --> 00:57:52.039 me for Pat who's here for Wave? Or we have 1093 00:57:52.159 --> 00:57:55.360 Chris here discount Bath and then I'm going to talk 1094 00:57:55.400 --> 00:57:59.320 to Deputy Bodeputy D Anddeputy dot about any follow ups 1095 00:57:59.320 --> 00:58:06.119 they have. Right after this, go with a sure thing 1096 00:58:06.239 --> 00:58:09.519 Denver's Best roofer Excel roofing dot com. You don't pay 1097 00:58:09.559 --> 00:58:15.840 a cent until you're content. Time for an insurance check up, 1098 00:58:15.960 --> 00:58:20.039 free no obligation comparison call Compass Insurance paying too much 1099 00:58:20.159 --> 00:58:23.159 your coverage at dozens of insurance companies find out now 1100 00:58:23.159 --> 00:58:25.480 three oh three, seven to seven to one help. You'll 1101 00:58:25.480 --> 00:58:28.199 think you're his only customer when you choose Frank durand 1102 00:58:28.199 --> 00:58:30.679 the real estate Man dot com to list your home 1103 00:58:30.880 --> 00:58:34.039 with Remax Alliance three oh three nine two zero sixteen 1104 00:58:34.119 --> 00:58:41.559 twenty two. Tom Martino here three oh three seven one 1105 00:58:41.840 --> 00:58:43.760 three talk three oh three seven o three eight two 1106 00:58:43.800 --> 00:58:46.559 five five. You guys have any follow ups that I 1107 00:58:46.639 --> 00:58:49.199 need to know about, let me know, just chime in. 1108 00:58:50.239 --> 00:58:55.440 I know that we've had several ongoing cases that we're 1109 00:58:55.440 --> 00:58:58.199 still trying to help people with. And since you're both 1110 00:58:58.239 --> 00:59:02.119 here and bo you started working on Justin Garcia. You 1111 00:59:02.159 --> 00:59:04.440 know you heard when he called into the show, and 1112 00:59:04.599 --> 00:59:08.599 obviously he said his contra. Basically, here's what's his contention. 1113 00:59:08.800 --> 00:59:15.480 Is his contract superceedes the law. Did you know that 1114 00:59:15.960 --> 00:59:21.400 it supersedes the law, meaning that his contract doesn't have 1115 00:59:21.519 --> 00:59:25.519 to follow the law, which is the Contractor's Trust Act. 1116 00:59:25.840 --> 00:59:27.480 That is what the man is telling us. 1117 00:59:28.639 --> 00:59:31.639 Two is three times. And there's also a provision he's 1118 00:59:31.719 --> 00:59:33.280 put in the contract that he. 1119 00:59:33.239 --> 00:59:36.519 Could get get closer to that bro charge. 1120 00:59:37.280 --> 00:59:39.519 Justin claims he can charge five I thought it's five 1121 00:59:39.559 --> 00:59:41.920 hundred dollars a day, but his contract says he can 1122 00:59:42.000 --> 00:59:46.280 charge five hundred dollars an hour every time, the very 1123 00:59:46.440 --> 00:59:49.920 minute or hour the contracts and not completed, which is ridiculous. 1124 00:59:50.400 --> 00:59:52.760 And he's been working quite a bit behind the scenes 1125 00:59:52.840 --> 00:59:55.199 with Colp the Attorney General. 1126 00:59:55.719 --> 00:59:59.199 You want to come in on it, so d go 1127 00:59:59.239 --> 01:00:01.880 ahead take the mic. I mean it's making noise, but 1128 01:00:01.880 --> 01:00:02.639 I don't go ahead. 1129 01:00:02.960 --> 01:00:03.280 Yeah. 1130 01:00:03.320 --> 01:00:06.039 I Bow alluded to some of my behind the scenes 1131 01:00:06.079 --> 01:00:07.800 work and helping Bow on this matter. 1132 01:00:08.440 --> 01:00:09.840 And the Attorney General. 1133 01:00:10.239 --> 01:00:12.079 Yeah, the attorney So I've been in touch quite a 1134 01:00:12.079 --> 01:00:14.639 few times with the State Attorney General's office, and you 1135 01:00:14.760 --> 01:00:18.719 saw the latest email that they sent me, which basically 1136 01:00:18.800 --> 01:00:22.639 they've stopped commenting on this matter because they claim that 1137 01:00:22.679 --> 01:00:26.000 they are not allowed to comment or confirm or deny 1138 01:00:26.079 --> 01:00:29.880 on going and investigations. So I don't know where that stands, 1139 01:00:29.920 --> 01:00:31.599 but hopefully the consumer will be able. 1140 01:00:31.440 --> 01:00:34.039 To come well now. They often say that. They often 1141 01:00:34.079 --> 01:00:35.920 say that once I used to give them stuff at 1142 01:00:36.000 --> 01:00:38.559 Channel four and at Fox thirty one and when I 1143 01:00:38.599 --> 01:00:41.159 was on TV, and I would give them information when 1144 01:00:41.159 --> 01:00:43.639 I came across the case I thought were fraudulent, and 1145 01:00:43.679 --> 01:00:45.199 then I'd say, Okay, now I need to know I 1146 01:00:45.239 --> 01:00:47.760 need to follow up, and they would say things like, well, 1147 01:00:47.760 --> 01:00:49.280 we can't tell you anything, and I said, wait a 1148 01:00:49.280 --> 01:00:50.400 minute I brought it to you, you know. 1149 01:00:50.880 --> 01:00:53.960 And the other two things that I've been working on 1150 01:00:54.000 --> 01:00:56.599 to help BO with this case is I developed the 1151 01:00:56.679 --> 01:00:59.360 channel inside the colors of the Springs Police Department and 1152 01:00:59.519 --> 01:01:03.079 this is not dead yet. Good good, So there's a 1153 01:01:03.159 --> 01:01:06.599 lieutenant over there who is in charge of financial crimes 1154 01:01:06.679 --> 01:01:10.280 who's now been involved in investigating this matter, and hopefully 1155 01:01:10.320 --> 01:01:12.360 he'll be able to find some evidence and pass this 1156 01:01:12.519 --> 01:01:15.400 on to the District Attorney's office. And then the third 1157 01:01:15.440 --> 01:01:17.599 and final thing that I did to help BO is 1158 01:01:18.079 --> 01:01:20.639 I did find a civil litigation attorney. 1159 01:01:20.519 --> 01:01:23.000 Who specialized take it. 1160 01:01:23.440 --> 01:01:26.320 I believe, if I read the email correctly, he already 1161 01:01:26.320 --> 01:01:27.199 took this case. 1162 01:01:27.480 --> 01:01:31.039 And he's doing this what's that? Yeah? 1163 01:01:31.079 --> 01:01:33.480 So, and I believe he's doing it pro bonos so, 1164 01:01:33.880 --> 01:01:36.800 and I'm sure that's in hopes of recovering his fees 1165 01:01:37.360 --> 01:01:38.960 at the end of the civil action. 1166 01:01:39.440 --> 01:01:41.480 Okay, So those are the things that I've been working on. 1167 01:01:41.920 --> 01:01:46.920 Now in the obvious news, no, not the election, something 1168 01:01:46.960 --> 01:01:53.199 even bigger coming up Halloween there is, believe it or not, 1169 01:01:53.360 --> 01:01:57.960 Now there are woke costumes and unwoke costumes. You have 1170 01:01:58.039 --> 01:02:02.599 to choose which is which. Okay, I'll go with unwoke. Okay. 1171 01:02:02.639 --> 01:02:06.840 So basically, if you wear the wrong costume to work, 1172 01:02:06.880 --> 01:02:10.039 they're saying, you stand the chance of being canceled, But 1173 01:02:10.119 --> 01:02:12.719 you also stand the chance of losing a job. And 1174 01:02:12.840 --> 01:02:16.239 here are some of the most common mistakes people make. 1175 01:02:17.599 --> 01:02:20.599 Listen to this tease coming right up. I'm going to 1176 01:02:20.639 --> 01:02:23.840 tell you, okay, and this can get you canceled or 1177 01:02:23.920 --> 01:02:27.480 get you fired. I'm Tom Martinez three O three seven 1178 01:02:27.480 --> 01:02:30.039 to one three talks seven one three eight two five five. 1179 01:02:30.760 --> 01:02:34.320 By the way, it's really important that you know Frank Duran, 1180 01:02:34.480 --> 01:02:36.519 the real estate man. Why because if you're looking to 1181 01:02:36.599 --> 01:02:39.280 sell or looking to buy, he can tell you what 1182 01:02:39.440 --> 01:02:41.760 something will If you're looking to buy what he thinks, 1183 01:02:41.760 --> 01:02:44.639 he can negotiate it to yeah, or if you're looking 1184 01:02:44.679 --> 01:02:47.039 to sell, what your house will sell for are both 1185 01:02:47.360 --> 01:02:51.199 free of charge valuations of the marketplace. Or maybe you're 1186 01:02:51.239 --> 01:02:53.039 selling and you want to know what you can buy. 1187 01:02:53.239 --> 01:02:55.199 He'll let you know what you'll net based on what 1188 01:02:55.239 --> 01:02:58.320 your house is worth, based on his thirty years of experience, 1189 01:02:58.719 --> 01:03:01.039 and he does a great job, all free of charge. 1190 01:03:01.079 --> 01:03:03.760 Three oh three nine two zero sixteen twenty two. Frank 1191 01:03:03.840 --> 01:03:11.039 durand the real Estate Man dot com go with a 1192 01:03:11.079 --> 01:03:14.639 sure thing Denver's Best roofer Excel Roofing dot com. You 1193 01:03:14.679 --> 01:03:20.320 don't pay a cent until you're content, wait time for 1194 01:03:20.320 --> 01:03:24.079 an insurance check up free, no obligation comparison call Compass 1195 01:03:24.119 --> 01:03:27.400 Insurance paying too much your coverage at dozens of insurance 1196 01:03:27.440 --> 01:03:29.960 companies find out now three oh three seven seven to 1197 01:03:30.000 --> 01:03:32.800 one help. You'll think you're his only customer when you 1198 01:03:32.880 --> 01:03:35.320 choose Frank durand the real estate Man dot com to 1199 01:03:35.400 --> 01:03:38.559 list your home with Remax Alliance three oh three nine 1200 01:03:38.599 --> 01:03:45.079 two zero sixteen twenty two. Hi Tom Martina your troubleshooter 1201 01:03:45.119 --> 01:03:48.000 three oh three seven one three talk seven one three 1202 01:03:48.000 --> 01:03:51.000 eight two five five Mark, Welcome to the Tom Martina Show. 1203 01:03:51.000 --> 01:03:52.519 What's going on? Mark? What's going on? BB? 1204 01:03:53.400 --> 01:03:53.920 Hi Tom? 1205 01:03:53.960 --> 01:03:54.639 This is a Hey. 1206 01:03:54.800 --> 01:03:57.760 I had Discount Bath come out, put in. 1207 01:03:57.679 --> 01:04:02.079 A got rid of my shove, Yeah, tower. 1208 01:04:02.559 --> 01:04:05.719 Yeah, those things I know. 1209 01:04:05.880 --> 01:04:08.400 Stephan come out, gave us a quote and told us 1210 01:04:08.440 --> 01:04:09.880 about all his products. 1211 01:04:09.480 --> 01:04:10.639 And we made an appointment. 1212 01:04:11.360 --> 01:04:13.880 Yeah, Tim, come out at the end of September. 1213 01:04:14.360 --> 01:04:15.480 Two and a half days later. 1214 01:04:15.519 --> 01:04:16.679 We had a beautiful shower. 1215 01:04:16.880 --> 01:04:21.159 Two and a half days That is what incredible. What 1216 01:04:21.880 --> 01:04:23.440 kind of wall system did you go with? 1217 01:04:24.239 --> 01:04:25.039 Oh the acrylic. 1218 01:04:25.639 --> 01:04:29.920 Yeah, marble looking crylic and nothing to maintain, hardly anything 1219 01:04:29.920 --> 01:04:34.599 to maintain. Right, that's right, yep, that's cool. What was 1220 01:04:34.639 --> 01:04:36.320 there before so you had? Did you have like the 1221 01:04:36.360 --> 01:04:37.519 original that was built with. 1222 01:04:37.559 --> 01:04:39.320 Your house, Yeah, built back in. 1223 01:04:39.280 --> 01:04:42.440 The seventies, the club with the. 1224 01:04:41.960 --> 01:04:44.159 Tower doors and tile. 1225 01:04:44.880 --> 01:04:47.360 Yeah, and Tim, Tim come out and the boy. 1226 01:04:47.400 --> 01:04:48.239 That guy is good. 1227 01:04:48.440 --> 01:04:51.039 He's a perfectionist and he did a great job. 1228 01:04:51.280 --> 01:04:54.039 Hey, Mark, thank you so much. I really do love 1229 01:04:54.079 --> 01:04:57.559 hearing about that stuff. So thank you very much, Mark. 1230 01:04:57.800 --> 01:05:00.320 And yeah, discount bath dot com there on a show today. 1231 01:05:00.320 --> 01:05:02.360 If you have any questions, I do have a few 1232 01:05:02.440 --> 01:05:05.760 texts for everyone here. We'll get to three O three 1233 01:05:05.840 --> 01:05:08.679 seven one three talk now. On that caller, a lot 1234 01:05:08.679 --> 01:05:11.519 of people said, you know, I wasn't hearing her name right. 1235 01:05:12.239 --> 01:05:18.079 I thought it was Pella, possibly Ella, Stella, Isabella, Marabella, Othella. 1236 01:05:18.920 --> 01:05:23.519 I don't know. Does anyone know for sure? Kaschina? Did 1237 01:05:23.519 --> 01:05:26.159 you get her name for sure? I did? Yes, it's Stella. 1238 01:05:27.360 --> 01:05:30.599 Oh okay, then I'm going to stop calling her. Hey 1239 01:05:30.639 --> 01:05:35.639 you Spella, Hey stop? That is that the recording of me? 1240 01:05:35.920 --> 01:05:38.639 Is that what I said? Spella? How could I even 1241 01:05:38.679 --> 01:05:42.519 think there was a name called Spella. For God's sakes, Spella, 1242 01:05:42.639 --> 01:05:45.480 and people are saying, come on, yo, fart. Can't you 1243 01:05:45.519 --> 01:05:48.320 hear it? My wife even texted me she said Stella, 1244 01:05:49.159 --> 01:05:51.719 so she was listening and could hear easier than I 1245 01:05:51.760 --> 01:05:54.920 could with these headphones on three oh three seven one 1246 01:05:55.039 --> 01:05:56.760 three Talk is our number, or you can call three 1247 01:05:56.760 --> 01:05:59.400 oh three Martino three O three six two seven eight 1248 01:05:59.440 --> 01:06:02.159 four six. I want to ask Pat since he's here 1249 01:06:02.239 --> 01:06:05.679 and he's with Wave eight Wealth Management or and by 1250 01:06:05.719 --> 01:06:08.119 the way, that's invest with Martino dot com. That's the website. 1251 01:06:08.119 --> 01:06:10.519 I change it because Mark said when I use the 1252 01:06:11.400 --> 01:06:14.199 it's too long to say waveightwealth Management dot com, although 1253 01:06:14.239 --> 01:06:18.280 that'll get you there anyway. What do election What do 1254 01:06:18.400 --> 01:06:21.039 elections usually do the market? What do they usually do? 1255 01:06:21.199 --> 01:06:23.360 In general? I mean, what what do they do? 1256 01:06:23.719 --> 01:06:24.480 Pretty static? 1257 01:06:26.079 --> 01:06:27.639 This wait and see kind of thing is kind of 1258 01:06:27.639 --> 01:06:29.119 a wait and see. So it's not a crash or 1259 01:06:29.119 --> 01:06:29.880 a boom. 1260 01:06:29.719 --> 01:06:33.239 Or no, not necessarily, and everybody tries to anticipate that 1261 01:06:33.360 --> 01:06:35.840 some big move and it generally doesn't happen. And you know, 1262 01:06:35.920 --> 01:06:40.199 typically what I tell people is certainly aside from the 1263 01:06:40.199 --> 01:06:42.599 headline risk and that can get some emotions going and 1264 01:06:42.639 --> 01:06:44.719 things will make you know, people make some moves and 1265 01:06:44.760 --> 01:06:48.559 things like that, but it's really more about FED policy 1266 01:06:48.880 --> 01:06:50.519 that's going to move markets. 1267 01:06:50.840 --> 01:06:55.800 So they feel somebody is going to be inflationary or recessionary, 1268 01:06:56.039 --> 01:06:58.280 or high rates or low rates. 1269 01:06:58.320 --> 01:07:02.280 It moves more so in the immediate it's about FED 1270 01:07:02.360 --> 01:07:05.280 policy because they really control the velocity of money into 1271 01:07:05.280 --> 01:07:07.639 the market and bloscity capital in the marketplace, and so 1272 01:07:08.639 --> 01:07:11.440 administrative changes really don't take effect if you think about it, 1273 01:07:11.519 --> 01:07:13.239 until almost two years down the road, and all the 1274 01:07:13.239 --> 01:07:15.960 policies get changed and then they get put in a 1275 01:07:15.960 --> 01:07:18.480 place and so on, and then the domino start to fall. 1276 01:07:18.519 --> 01:07:21.960 So it's it's more about what the Fed's doing and 1277 01:07:22.000 --> 01:07:24.119 what the cost of money is and the velosoity capital 1278 01:07:24.159 --> 01:07:24.679 in the market. 1279 01:07:25.400 --> 01:07:27.960 Deputy d I got a text about this Josh Sandoval, 1280 01:07:28.000 --> 01:07:31.000 another person, so they wanted to know they heard about 1281 01:07:31.000 --> 01:07:34.519 it on the They said they heard us that we 1282 01:07:34.519 --> 01:07:37.079 were talking about on the show. They didn't hear the conversation. 1283 01:07:37.880 --> 01:07:39.880 I want to know your gut feeling did you feel 1284 01:07:40.000 --> 01:07:44.000 Josh Sandival was a you know, look at when you 1285 01:07:44.039 --> 01:07:47.119 talk to Justin Garcia, this guy that stole sixty two 1286 01:07:47.159 --> 01:07:50.239 thousand dollars from an elderly woman. You get the feeling 1287 01:07:50.280 --> 01:07:52.400 he's a scammer. You just get the feeling right off 1288 01:07:52.440 --> 01:07:54.760 the bat. He's trying to be a smooth talking scammer. 1289 01:07:55.199 --> 01:07:58.119 I want to know this, what feeling did you get 1290 01:07:58.119 --> 01:08:01.079 with Josh Sandival didn't I. 1291 01:08:01.000 --> 01:08:03.679 Did not get that feeling from mister Sanderbal at all. 1292 01:08:04.000 --> 01:08:07.559 He is he is, and I believe when he says 1293 01:08:07.599 --> 01:08:11.840 that he's going to repay Guermo, who's the consumer whose 1294 01:08:11.880 --> 01:08:15.800 behalf I called yesterday, it's disappointing that he is not 1295 01:08:15.840 --> 01:08:18.359 in a position to write a check for the entire 1296 01:08:18.399 --> 01:08:21.479 amount due. But given how hard it is to get 1297 01:08:21.479 --> 01:08:25.319 money out of contractors anyway, his offer in his commitment 1298 01:08:25.479 --> 01:08:28.119 written commitment to two payments per month in the amount 1299 01:08:28.119 --> 01:08:31.359 of five hundred dollars. E oh, it's way better than 1300 01:08:31.880 --> 01:08:35.399 what we typically experience. I did not at the time 1301 01:08:35.600 --> 01:08:39.199 know that Bo is also independently of this is working 1302 01:08:39.279 --> 01:08:41.720 on a different case with the same contractor on behalf 1303 01:08:41.720 --> 01:08:43.600 of another of another. 1304 01:08:44.039 --> 01:08:47.920 The same guy, same guy. Pass over the mic. Wow, 1305 01:08:48.239 --> 01:08:53.399 the same guy? What in that case? Bo? What was it? 1306 01:08:53.399 --> 01:08:57.920 It was about a month ago. Kayla called into the show, 1307 01:08:58.000 --> 01:09:01.039 and you'll remember this, Tom. This is the one where 1308 01:09:02.119 --> 01:09:04.920 I asked to go over to his house and I 1309 01:09:04.960 --> 01:09:08.079 went over on a Saturday. I called several emails. 1310 01:09:08.119 --> 01:09:08.800 He did call me. 1311 01:09:08.840 --> 01:09:11.279 He said he would send some money to Kayla, and 1312 01:09:11.319 --> 01:09:11.960 he never. 1313 01:09:11.840 --> 01:09:15.199 Did go with a sure thing Denver's Best roofer Excel 1314 01:09:15.279 --> 01:09:18.359 Roofing dot com. You don't pay a cent until you're content. 1315 01:09:21.720 --> 01:09:24.920 Time for an insurance check up free, no obligation. In comparison, 1316 01:09:25.039 --> 01:09:28.600 call Compass Insurance. Pay too much your coverage at dozens 1317 01:09:28.640 --> 01:09:31.359 of insurance companies find out now three oh three seven 1318 01:09:31.479 --> 01:09:34.279 seven to one help. You'll think you're his only customer 1319 01:09:34.319 --> 01:09:36.560 when you choose Frank durand the real estate Man dot 1320 01:09:36.600 --> 01:09:39.920 com to list your home with Remax Alliance three oh 1321 01:09:39.960 --> 01:09:48.600 three nine two zero sixteen twenty two. 1322 01:09:47.600 --> 01:09:50.000 D news. 1323 01:09:51.000 --> 01:09:56.119 You needed that who You don't have to run anxious 1324 01:09:56.199 --> 01:09:57.119 ass as. 1325 01:09:56.920 --> 01:09:59.960 We can shoot us Conna Hilp. 1326 01:10:00.319 --> 01:10:07.760 Come man, this is the Troubleshooter Show. No Tom Martino, Hello. 1327 01:10:07.640 --> 01:10:10.399 Tom Martino here, Welcome to the show. Three oh three 1328 01:10:10.560 --> 01:10:13.920 seven one three talk three oh three seven one three 1329 01:10:14.119 --> 01:10:16.680 eight two five five. Here to help you any way 1330 01:10:16.760 --> 01:10:22.800 that I can so. Here we are solving problems answering question. 1331 01:10:22.920 --> 01:10:24.920 It came taking complaints. You see that number three oh 1332 01:10:24.920 --> 01:10:27.000 three Martino right there at three oh three six two seven, eight, 1333 01:10:27.000 --> 01:10:29.359 four sixty six. Of course, I'm speaking to those who 1334 01:10:29.399 --> 01:10:32.159 download the podcast for the stream and for those of 1335 01:10:32.199 --> 01:10:34.640 you in radio land, welcome. Let's go to the phones 1336 01:10:34.720 --> 01:10:38.039 and solve some problems, all right. We have as our 1337 01:10:38.079 --> 01:10:41.680 guests today discountbat dot com evenue questions on discount Bass, 1338 01:10:41.680 --> 01:10:43.439 a lot of people fact questions when it comes to 1339 01:10:43.439 --> 01:10:46.680 home improvements and stuff for my guests. We also have 1340 01:10:46.720 --> 01:10:51.279 Pat Jolliffe with Wave eight Wealth Management talking about the 1341 01:10:51.359 --> 01:10:54.199 realities of the investing world, which we haven't gotten into yet, 1342 01:10:54.199 --> 01:10:59.159 but we talked about smart sensible direct investing and what 1343 01:10:59.279 --> 01:11:03.720 to do and how to you know, I don't like 1344 01:11:03.760 --> 01:11:06.880 to use the word hedge the market, but basically have 1345 01:11:06.960 --> 01:11:11.800 still slow and steady returns and performance. That's what you're 1346 01:11:11.800 --> 01:11:15.439 looking for. Many people make killings, also make big giant 1347 01:11:15.479 --> 01:11:19.199 losses as well. So anyway, Steve, I'm going to talk 1348 01:11:19.199 --> 01:11:20.119 to you right now. What's going on? 1349 01:11:20.159 --> 01:11:24.880 Steve? Hey, Tom, I'm calling. I've got a business. We 1350 01:11:25.000 --> 01:11:28.079 own a c transmission on Federal sixty seventh and Federal 1351 01:11:28.560 --> 01:11:31.479 and now I'm on your referral. I'm on your referral 1352 01:11:31.520 --> 01:11:33.920 list and I'm looking for a company that does snow 1353 01:11:34.039 --> 01:11:37.880 removal from our parking lots and our sidewalk for this winter. 1354 01:11:38.479 --> 01:11:40.359 But I don't see anything on your list, so I 1355 01:11:40.359 --> 01:11:41.520 thought i'd just read you know what. 1356 01:11:41.800 --> 01:11:46.680 I'll tell you why. We've had several try over the years, 1357 01:11:46.800 --> 01:11:54.039 and here's what usually happens. We have landscapers who usually 1358 01:11:54.079 --> 01:11:57.520 try to do that in the winter and they're not 1359 01:11:57.600 --> 01:12:00.279 equipped to or they don't do a great job. It's 1360 01:12:00.319 --> 01:12:02.760 not that they're bad, they don't cheat people. They just 1361 01:12:02.800 --> 01:12:06.479 get in over their head. I have found it's a thing. 1362 01:12:06.680 --> 01:12:10.840 It's a weird business because even the best people who 1363 01:12:10.880 --> 01:12:14.159 want to do it can never plan for it. They 1364 01:12:14.199 --> 01:12:18.039 either are overstaffed or understaffed because they don't want to 1365 01:12:18.039 --> 01:12:20.039 pay people for being on standby it. But at the 1366 01:12:20.039 --> 01:12:22.199 same time they have to be ready when the snow comes, 1367 01:12:22.520 --> 01:12:25.399 and then they all have these crazy contracts like only 1368 01:12:25.439 --> 01:12:27.640 come if there's so many inches or more. You know, 1369 01:12:27.960 --> 01:12:30.800 it's it's just a very strange business to try to 1370 01:12:30.840 --> 01:12:34.560 do a good job. So we've been unsuccessful in finding 1371 01:12:34.640 --> 01:12:39.680 good people we know that wrong wrong say, and finding 1372 01:12:39.720 --> 01:12:43.399 people who can make a go of it. There's plenty 1373 01:12:43.439 --> 01:12:46.199 of good people in the business even now, but it's 1374 01:12:46.279 --> 01:12:48.119 hard to make a go of it or to keep 1375 01:12:48.159 --> 01:12:53.600 people happy, especially with heavy snows. Now there are I 1376 01:12:53.640 --> 01:12:55.960 don't know what to tell you, man, There are businesses, 1377 01:12:56.239 --> 01:12:58.359 you know. I have these these young men one time 1378 01:12:58.399 --> 01:13:02.680 on my business that do window clean great guys, same story. 1379 01:13:02.920 --> 01:13:05.319 They were hard to plan. They still do good jobs. 1380 01:13:05.319 --> 01:13:07.880 They do commercial and residential. And then they tried doing 1381 01:13:07.920 --> 01:13:11.399 snow removal, and their theory was, you know, we'll get 1382 01:13:11.720 --> 01:13:14.119 We'll just have all of our window washers because if 1383 01:13:14.119 --> 01:13:16.399 it's snowing, they're not doing windows. And it worked for 1384 01:13:16.439 --> 01:13:18.399 a while, and I'm not sure if they're still doing 1385 01:13:18.479 --> 01:13:20.159 it or not. And I don't know if i'd like 1386 01:13:20.199 --> 01:13:22.560 to refer you to them, because I don't know of 1387 01:13:22.680 --> 01:13:25.199 any that I can say beyond the shadow of a doubt. 1388 01:13:25.239 --> 01:13:28.520 They do a great great place, they do a great job, 1389 01:13:29.039 --> 01:13:33.399 and so therefore I don't have a recommendation. But I'm 1390 01:13:33.439 --> 01:13:37.000 going to ask my listeners to call in or to 1391 01:13:37.159 --> 01:13:43.159 text me if anyone knows good people who do snow removal. 1392 01:13:43.399 --> 01:13:48.479 So if you listen, Steve, perhaps we can get an 1393 01:13:48.520 --> 01:13:52.720 answer for all of us. So how's business. By the way, 1394 01:13:53.039 --> 01:13:56.439 how is business at the transmission place? 1395 01:13:57.720 --> 01:14:01.239 We are doing great. Tom been a real blessing. We've 1396 01:14:01.279 --> 01:14:03.720 just we doubled our business and we've just people are 1397 01:14:03.760 --> 01:14:06.720 fixing their cars and they don't want to go electric. 1398 01:14:06.840 --> 01:14:08.520 So I'm telling you it's working out. 1399 01:14:08.399 --> 01:14:09.079 Great for us. 1400 01:14:09.079 --> 01:14:10.840 See if you ought to come over for car day 1401 01:14:10.880 --> 01:14:13.000 one time, because we have a we have our car 1402 01:14:13.039 --> 01:14:16.840 professionals on from time to time and we should really 1403 01:14:16.840 --> 01:14:19.920 get you know, people on from the referrals who are 1404 01:14:19.960 --> 01:14:24.039 in the business. Again. Uh, you know, we have all 1405 01:14:24.079 --> 01:14:26.600 of our experts. We we love and I want to 1406 01:14:26.600 --> 01:14:31.199 know something. What's the biggest job, not the biggest job, 1407 01:14:31.279 --> 01:14:34.760 the most common transmission you're repairing? I'll bet you it's 1408 01:14:34.800 --> 01:14:37.359 some kind of CBT. Is that what they call it? CBT? 1409 01:14:38.640 --> 01:14:40.479 Well, we have been doing some of those. Most of 1410 01:14:40.479 --> 01:14:43.239 those time, we've been replacing the complete units. But believe 1411 01:14:43.279 --> 01:14:47.800 it or not, the twenty eighteen and newer gms and forwards, 1412 01:14:48.640 --> 01:14:51.000 we're doing a lot of the eight and ten speeds. 1413 01:14:51.760 --> 01:14:55.439 So all of the newer vehicles now are the star 1414 01:14:55.520 --> 01:14:55.760 are they? 1415 01:14:55.800 --> 01:14:58.039 Are they we week transmissions or what? 1416 01:14:58.880 --> 01:15:01.720 Well, they're shifting too much. I think it's the main 1417 01:15:01.920 --> 01:15:06.000 Oh never thought of that, sitting eight and ten times. 1418 01:15:06.039 --> 01:15:09.119 So they're not lasting, but seventy five to one hundred 1419 01:15:09.159 --> 01:15:12.399 thousand miles on some of these units, So it's kind of. 1420 01:15:12.319 --> 01:15:12.920 Good for us. 1421 01:15:12.960 --> 01:15:14.720 We've had a kind of a big learning curve to 1422 01:15:14.800 --> 01:15:15.720 learn how to build them. 1423 01:15:15.720 --> 01:15:17.680 But we're actually give. 1424 01:15:17.560 --> 01:15:20.640 Me an example of a car that has that ten speed. 1425 01:15:21.720 --> 01:15:26.039 Well, any of the big twenty five hundred, the Silverados 1426 01:15:26.079 --> 01:15:28.960 and such are doing that. But I'm not really in 1427 01:15:29.000 --> 01:15:31.199 that part of the business. I do most of the 1428 01:15:31.239 --> 01:15:34.319 business side. But my two sons, of course and Derek, 1429 01:15:34.800 --> 01:15:39.479 they run the business, but they they're always talking about 1430 01:15:39.479 --> 01:15:42.119 the eight and ten speeds having a lot of problems now. 1431 01:15:42.359 --> 01:15:45.399 And Steve, what about the what about the supply chain? 1432 01:15:45.439 --> 01:15:47.520 How have you been How has it been for getting 1433 01:15:47.520 --> 01:15:48.319 parts and stuff? 1434 01:15:49.359 --> 01:15:53.720 Well, we've been doing really well, Tom, I think for us, 1435 01:15:54.039 --> 01:15:57.359 I pay my vendors every two weeks, so I'm kind 1436 01:15:57.359 --> 01:15:59.359 of on their hot list. When I need something, they 1437 01:15:59.399 --> 01:16:02.520 go come get it to me. But our transmission suppliers, 1438 01:16:03.319 --> 01:16:05.600 our main supplier, does really good for us. But there 1439 01:16:05.600 --> 01:16:08.039 are times I'm not going to lie to you, Tom, 1440 01:16:08.079 --> 01:16:12.399 we do have to get other sources. Yeah, part, and 1441 01:16:13.119 --> 01:16:15.439 it adds time to the because of vendors, you know. 1442 01:16:15.479 --> 01:16:17.880 It's yeah, they're having a tough time, so we have 1443 01:16:18.000 --> 01:16:21.000 to go to several sources to build the transmission sometimes 1444 01:16:21.039 --> 01:16:23.760 on some models, mainly the older models. 1445 01:16:24.039 --> 01:16:28.279 Okay, now on transmissions, is most of it remove and 1446 01:16:28.319 --> 01:16:32.239 replace with rebuilds or do you try to rebuild them 1447 01:16:32.560 --> 01:16:33.319 yourself or what? 1448 01:16:33.439 --> 01:16:33.640 Well? 1449 01:16:33.680 --> 01:16:36.399 What we well, we do we try to rebuild them. 1450 01:16:36.920 --> 01:16:40.039 We've got two builders in our company. I have over 1451 01:16:40.079 --> 01:16:41.800 eighty years of experience. 1452 01:16:41.319 --> 01:16:41.960 In our shop. 1453 01:16:42.600 --> 01:16:43.800 Who building side? 1454 01:16:43.920 --> 01:16:46.800 Yeah, yeah, so between the two guys, they've been around 1455 01:16:46.800 --> 01:16:48.840 a while. They know how to do it. But we 1456 01:16:48.880 --> 01:16:52.600 are totally transparent. We let our customers give them a 1457 01:16:52.640 --> 01:16:54.840 price range before we even start on it. If we 1458 01:16:54.960 --> 01:16:58.239 condemn the transmission, it's no charge for us to check 1459 01:16:58.279 --> 01:17:01.239 the vehicle. And if we actually condemn it, then we 1460 01:17:01.239 --> 01:17:04.159 we don't. We let them know what the price range is. 1461 01:17:05.039 --> 01:17:07.279 And then now what is your is your website? I 1462 01:17:07.359 --> 01:17:08.600 want to make sure I have the right one? Is 1463 01:17:08.640 --> 01:17:12.079 your website? What is it AC transmission dot com? 1464 01:17:12.119 --> 01:17:17.880 For AC transmission AC transmission dot com. We're on Federal sixty. 1465 01:17:17.680 --> 01:17:21.840 Site sixty seven eighty yeah, yeah, right, And how and 1466 01:17:21.920 --> 01:17:24.720 how long has that ocasion? How long has that location 1467 01:17:24.880 --> 01:17:25.319 been there? 1468 01:17:26.640 --> 01:17:27.800 Nineteen sixty five? 1469 01:17:27.880 --> 01:17:33.239 Tom, whoa and see now that's really cool. That's good. Yeah, 1470 01:17:33.359 --> 01:17:37.239 AC Transmission Center. Go ahead, Yeah, that's us. 1471 01:17:37.479 --> 01:17:42.279 We're the second owners. I bought it from the original family, 1472 01:17:42.279 --> 01:17:45.199 so we went from a family business to a family business, 1473 01:17:45.640 --> 01:17:47.760 and that's the way we kept it. I've known the 1474 01:17:47.800 --> 01:17:51.279 previous owner over thirty years, and I've always was really 1475 01:17:51.319 --> 01:17:55.439 impressed by his shop and how he ran it. And 1476 01:17:55.479 --> 01:17:57.960 I always told him that, hey, if I ever wanted to, 1477 01:17:58.199 --> 01:18:00.920 if you ever wanted to sell it, maybe we can 1478 01:18:00.960 --> 01:18:03.039 work something out. And that's what we actually did. We 1479 01:18:03.800 --> 01:18:06.800 we bought it, bought the building and business and everything 1480 01:18:06.800 --> 01:18:07.800 about four years ago. 1481 01:18:08.159 --> 01:18:11.800 Oh, I just got a I just got a question 1482 01:18:12.000 --> 01:18:14.760 by text asking do you guys go out and tow 1483 01:18:14.840 --> 01:18:15.720 in for people. 1484 01:18:17.000 --> 01:18:20.640 I do have a towing company that I sublet to good. 1485 01:18:20.720 --> 01:18:22.600 We will tow it in for for We will tow 1486 01:18:22.640 --> 01:18:25.840 it in for free if they do the work with me. Yeah, 1487 01:18:25.880 --> 01:18:28.640 if they do do the work with me, then they'll 1488 01:18:28.680 --> 01:18:29.119 just have to. 1489 01:18:29.039 --> 01:18:29.840 Pay for the toe bill. 1490 01:18:29.920 --> 01:18:32.800 But it's no charge for our customers. 1491 01:18:33.800 --> 01:18:36.439 Thank you very much. Man. And and I want to 1492 01:18:36.439 --> 01:18:38.239 give out the phone number on your site. Here's three 1493 01:18:38.279 --> 01:18:41.159 oh three four two eight sure six five six six 1494 01:18:41.359 --> 01:18:44.520 four to eight right, yeah, six five sixty six. So 1495 01:18:44.600 --> 01:18:46.720 thanks man, thanks for calling in. And if we hear 1496 01:18:46.760 --> 01:18:50.039 anything about snow removal, we will absolutely let you know. 1497 01:18:52.000 --> 01:18:56.800 Thank you, Steve. Okay, now we have Drew coming up 1498 01:18:56.840 --> 01:19:00.359 after the break. And also somebody said, Tom, you're getting 1499 01:19:00.359 --> 01:19:04.439 old and you tease something and never came back to it. 1500 01:19:05.600 --> 01:19:08.159 Do you remember what the tease was? Uh? Yes, it 1501 01:19:08.279 --> 01:19:11.640 was uh costumes, Halloween costumes, the dues and don'ts and 1502 01:19:11.680 --> 01:19:14.880 how to get canceled. But I will and I'll tell 1503 01:19:14.880 --> 01:19:17.319 you why I won't forget this time, because I will 1504 01:19:17.359 --> 01:19:22.439 be reminded of the horror of Halloween, because I'll be 1505 01:19:22.479 --> 01:19:27.279 talking to Drew, just kidding around, just kidding around. Okay, 1506 01:19:27.319 --> 01:19:29.960 we have we have more coming up on the Troubleshooter Show. 1507 01:19:35.279 --> 01:19:38.520 Go with a sure Thing Denver's Best Roofer Excel roofing 1508 01:19:38.640 --> 01:19:41.279 dot com. You don't pay a cent until you're content. 1509 01:19:44.640 --> 01:19:47.840 Time for an insurance check up free, no obligation. In comparison, 1510 01:19:47.960 --> 01:19:51.520 call Compass insurance paying too much your coverage at dozens 1511 01:19:51.560 --> 01:19:54.279 of insurance companies. Find out now three oh three seven 1512 01:19:54.399 --> 01:19:57.199 seven to one. Help You'll think you're his only customer 1513 01:19:57.239 --> 01:19:59.479 when you choose Frank durand the real estate man dot 1514 01:19:59.520 --> 01:20:03.000 Com list your home with Remax Alliance three all three 1515 01:20:03.119 --> 01:20:12.239 nine two zero sixteen twenty two. Hi Tom Martino, your 1516 01:20:12.399 --> 01:20:15.800 troubleshooter three all three seven one three talk three oh 1517 01:20:15.840 --> 01:20:18.399 three seven one three eight two five five? Why did 1518 01:20:18.439 --> 01:20:22.079 Drew hang up every time I'm gonna go to him? 1519 01:20:22.119 --> 01:20:26.720 He hangs up. Now I am going to talk about 1520 01:20:26.720 --> 01:20:30.199 Halloween costumes. I am the dues and don'ts and not 1521 01:20:30.279 --> 01:20:33.159 to get canceled. They've done a research around the country 1522 01:20:33.159 --> 01:20:36.279 on it. Michael. What's going on with you? Michael, Welcome 1523 01:20:36.319 --> 01:20:36.880 to the show. 1524 01:20:36.920 --> 01:20:39.960 You're after the Battle of Little Big Horn Museum and 1525 01:20:39.960 --> 01:20:44.960 stuff up there? No where is that up into Wyoming? 1526 01:20:45.119 --> 01:20:46.359 Just you know. 1527 01:20:46.319 --> 01:20:49.079 What I might have done that years ago. I might 1528 01:20:49.119 --> 01:20:51.279 have done that, because that rings true. I might have 1529 01:20:51.359 --> 01:20:55.199 gone up there with my motor home. Why do you ask? 1530 01:20:55.600 --> 01:20:59.920 Because I'm curious if you are related, great great great 1531 01:21:00.119 --> 01:21:08.439 grandfather would beep to Giovanni Martino, who is yes, barn so, yes. 1532 01:21:08.279 --> 01:21:11.079 We have we have a Giovanni Martino in our family 1533 01:21:11.119 --> 01:21:13.239 tree that goes way way back. My son is named 1534 01:21:13.279 --> 01:21:14.399 after him, right. 1535 01:21:14.279 --> 01:21:18.680 You you are related to the last surviving soldier of 1536 01:21:18.760 --> 01:21:20.479 Custos last stand. 1537 01:21:20.159 --> 01:21:23.760 You know, we we didn't claim that, by the way. 1538 01:21:23.840 --> 01:21:26.520 We we just were told about it and we have 1539 01:21:26.720 --> 01:21:29.800 never verified it. And it could be hold on, It 1540 01:21:29.840 --> 01:21:32.199 could be that just somebody in our family decided to 1541 01:21:32.279 --> 01:21:33.199 latch on to that. 1542 01:21:33.800 --> 01:21:36.920 But he settled in New York or my wife, you. 1543 01:21:36.800 --> 01:21:39.680 Know, Then it could be. It could be because and 1544 01:21:39.680 --> 01:21:42.439 and of course most of the Italians started in New York. Anyway, 1545 01:21:42.960 --> 01:21:45.840 there were a few that came straight while everyone went 1546 01:21:45.920 --> 01:21:50.319 through uh of course, uh uh the island and then 1547 01:21:50.840 --> 01:21:53.199 went out to a lot of them came out to 1548 01:21:53.239 --> 01:21:57.199 Colorado and uh and then of course uh, New York 1549 01:21:57.239 --> 01:22:00.000 and the and and thereabout on the East coast. Uh. 1550 01:22:00.600 --> 01:22:03.000 Very few at the in the beginning went to California 1551 01:22:03.039 --> 01:22:06.399 and then well the California wasn't really developed that well. 1552 01:22:06.600 --> 01:22:11.960 And then also a big, big bunch of Italians rather 1553 01:22:12.039 --> 01:22:14.680 than America went to Argentina. 1554 01:22:15.560 --> 01:22:17.239 Oh that's right, Yeah, yeah. 1555 01:22:17.199 --> 01:22:21.560 There's there's a big population of Italians in Argentina. So 1556 01:22:22.159 --> 01:22:27.199 as far as the heritage goes, I've heard about Giovanni, 1557 01:22:27.239 --> 01:22:30.479 my son's name Giovanni Martino. So it's kind of a 1558 01:22:30.520 --> 01:22:33.560 cool heritage. And as I said, I never verified it. 1559 01:22:33.800 --> 01:22:35.840 Did you need to be a neat thing to have. 1560 01:22:36.119 --> 01:22:37.800 We are the last advising family. 1561 01:22:38.279 --> 01:22:41.119 That's kind of cool. Yeah, it is. And there weren't 1562 01:22:41.359 --> 01:22:45.039 many Italian soldiers back then in the cavalry. 1563 01:22:45.079 --> 01:22:45.239 You know. 1564 01:22:45.920 --> 01:22:50.079 He was assigned his Custer's buglers. Those days, they ran 1565 01:22:50.159 --> 01:22:51.720 the army by doing bugle sounds. 1566 01:22:51.960 --> 01:22:54.640 That's right, that's right, man. A lot about that. 1567 01:22:54.680 --> 01:22:57.239 At the beginning of the battle, he got sent by Custer. 1568 01:22:57.479 --> 01:22:59.239 He's the last one to see Custer alive. 1569 01:23:00.119 --> 01:23:03.079 Now. One of the first people that told me about 1570 01:23:03.119 --> 01:23:07.560 this was Bob Palmer, who used to be an anchorman 1571 01:23:08.159 --> 01:23:10.520 at Channel four, then he went to seven and then 1572 01:23:10.600 --> 01:23:13.520 came back to four. And I worked with Bob for many, many, 1573 01:23:13.560 --> 01:23:17.960 many many years, and also my wife co anchored with him, 1574 01:23:18.000 --> 01:23:23.319 Stephanie Riggs, And I remember I remember him telling me 1575 01:23:23.520 --> 01:23:28.600 he was the consummate's collector and historian when it came 1576 01:23:28.640 --> 01:23:33.600 to all things Custer. He really did. He had like 1577 01:23:34.079 --> 01:23:38.680 memorabilia and relics from that error and from I think 1578 01:23:38.760 --> 01:23:43.039 Custer himself. It was amazing. And he had told me 1579 01:23:43.159 --> 01:23:48.159 about the bugler named Giovanni Martino the last surviving person, 1580 01:23:48.720 --> 01:23:52.359 because he heard my name and he immediately knew, wait 1581 01:23:52.359 --> 01:23:54.920 a minute, are you related to? And that's the first 1582 01:23:54.960 --> 01:23:57.079 I ever heard of it. And then when I checked 1583 01:23:57.079 --> 01:24:01.520 with other Italians, they of course they didn't verify, but 1584 01:24:01.560 --> 01:24:03.520 they said yes. You know what I'm saying is so 1585 01:24:03.560 --> 01:24:06.920 I'm not sure if they I'm not positive if they 1586 01:24:07.479 --> 01:24:10.479 really know it or just want to claim it. So 1587 01:24:10.560 --> 01:24:11.439 thank you for the call. 1588 01:24:11.880 --> 01:24:15.000 Well you need to get this all Lake because the 1589 01:24:15.119 --> 01:24:17.560 Marmons are big on that they got all the records. 1590 01:24:18.079 --> 01:24:20.800 Yeah, I heard that. That's right. You're you're absolutely right. 1591 01:24:21.119 --> 01:24:23.800 Three oh three seven one three talk three oh three 1592 01:24:23.880 --> 01:24:29.560 seven one three eight two five five. So Kachina Calori, Kachina? 1593 01:24:29.720 --> 01:24:32.600 Why did he hang up again? So he's been having 1594 01:24:32.640 --> 01:24:34.039 issues with his phone. 1595 01:24:35.680 --> 01:24:36.880 A landline, isn't it? 1596 01:24:37.600 --> 01:24:40.640 Yeah, it is a It is a landline. 1597 01:24:40.800 --> 01:24:45.319 I don't know exactly why it keeps cutting out, but 1598 01:24:45.600 --> 01:24:47.880 that's pretty much what's happening right now. 1599 01:24:49.479 --> 01:24:49.720 Bill. 1600 01:24:51.399 --> 01:24:53.479 Yeah, he's going to have trouble. 1601 01:24:53.560 --> 01:24:53.760 Man. 1602 01:24:55.359 --> 01:25:00.119 I'm checking his his GoFundMe. He hasn't changed it. I 1603 01:25:00.119 --> 01:25:03.479 I sent them suggestions. I refuse to log on and 1604 01:25:03.479 --> 01:25:05.520 do it as him because it requires me to put 1605 01:25:05.520 --> 01:25:09.039 in my phone number for the Verica verification over the account. 1606 01:25:09.439 --> 01:25:12.439 I'm not going to take part in a private go 1607 01:25:12.520 --> 01:25:17.960 fund me now. I'm told Colorado look at I'm not 1608 01:25:18.239 --> 01:25:23.680 recommending them, but somebody texted me said they've used Colorado 1609 01:25:23.960 --> 01:25:31.199 lawn Scaping for snow removal at three zero three four 1610 01:25:31.279 --> 01:25:37.359 or five zero zero seven hundred. Somebody else texted and 1611 01:25:37.479 --> 01:25:42.439 asked for Chris over at discount bath dot com does 1612 01:25:42.479 --> 01:25:45.439 he see most people getting rid of their tubs completely 1613 01:25:46.039 --> 01:25:50.560 or just having showers walking throughout the house or just 1614 01:25:50.680 --> 01:25:54.520 part of it, or are they keeping any tubs at all? 1615 01:25:54.840 --> 01:25:59.079 So the answer to that, if most is over fifty percent, 1616 01:25:59.159 --> 01:26:03.119 then yes, are getting rid of the tubs completely completely. 1617 01:26:03.359 --> 01:26:04.439 That's probably around sixty. 1618 01:26:04.760 --> 01:26:08.079 I mean, tubs are old technology. Think about it as technology. Tubs. 1619 01:26:08.319 --> 01:26:10.640 Tubs were made when you didn't have showers. 1620 01:26:10.720 --> 01:26:13.920 Yeah, and I mean really it matters the house for 1621 01:26:14.000 --> 01:26:17.520 sure because the big master bathrooms and there's room for 1622 01:26:17.560 --> 01:26:17.960 a tub. 1623 01:26:18.600 --> 01:26:18.960 Not all. 1624 01:26:19.159 --> 01:26:22.359 But but you take that out of the equation. Most 1625 01:26:22.359 --> 01:26:23.039 people shower. 1626 01:26:23.119 --> 01:26:25.800 They're not clean. Tubs are not clean. I'm sorry. Tubs 1627 01:26:25.800 --> 01:26:30.960 are disgusting in my opinion anyway three all three seven 1628 01:26:31.119 --> 01:26:33.880 one three talks seven one three eight to five ive. Okay. 1629 01:26:34.279 --> 01:26:37.520 The Halloween costumes, Yes, I am getting to it right now. 1630 01:26:38.680 --> 01:26:44.520 The ten costume rules for Halloween parties according to the 1631 01:26:44.600 --> 01:26:47.319 woke crowd. Now, I'm just kidding on the wolf crowd, 1632 01:26:47.359 --> 01:26:50.399 but they are saying that they can be they can 1633 01:26:50.479 --> 01:26:54.600 violate sensitivities, and they can violate that kind of stuff. 1634 01:26:54.640 --> 01:26:57.079 First of all, I'm just going to tell you some 1635 01:26:57.279 --> 01:27:04.880 never blackface ever. Never black unless you're black, then uh 1636 01:27:04.960 --> 01:27:12.520 it's okay, But never blackface. And never dress as a 1637 01:27:12.560 --> 01:27:15.439 woman if you're a man, and a man if you're 1638 01:27:15.479 --> 01:27:19.800 a woman, because they're taking that as making fun of 1639 01:27:19.840 --> 01:27:31.159 the transgender movement. Next, avoid slutty costumes. Keep it classy, 1640 01:27:31.680 --> 01:27:39.239 avoid riskue, skin bearing or slutty okay. Next, stay clear 1641 01:27:39.399 --> 01:27:48.680 of tragic events and religious innuendos. Okay. Do not go 1642 01:27:48.720 --> 01:27:54.479 as a Holocaust victim, a martyr, anything. Do not jab, 1643 01:27:54.840 --> 01:28:02.119 Do not make take any jabs at Muslim Islam or Christianity. Next, 1644 01:28:02.840 --> 01:28:05.520 don't I think these all fall under this category. Don't 1645 01:28:05.520 --> 01:28:08.119 be offensive. Well, all, everything we're talking about is fan 1646 01:28:08.560 --> 01:28:13.039 Don't do something that will offend some well like the transphobic, 1647 01:28:13.960 --> 01:28:20.119 the homophobic, makes fun of women or makes fun of men. Now, 1648 01:28:20.199 --> 01:28:23.479 one time I thought, I want to know from you 1649 01:28:23.560 --> 01:28:27.439 guys some of the funniest and clever, most clever costumes 1650 01:28:27.439 --> 01:28:30.359 you've ever seen. Here's what I've seen. One time there 1651 01:28:30.399 --> 01:28:33.720 was a guy that came there and he had this 1652 01:28:34.319 --> 01:28:37.079 yellow suit on, just ian happy to be yellow, like 1653 01:28:37.119 --> 01:28:41.039 a leisure suit. And there were little duckies or little 1654 01:28:41.199 --> 01:28:44.920 uh chickens all over them, little tiny ones, the little 1655 01:28:44.920 --> 01:28:48.880 plastic ones glued all over his suit. And he had 1656 01:28:48.880 --> 01:28:51.560 a hat on with a banner on the hat that 1657 01:28:51.680 --> 01:28:54.800 said chick magnet. That's kind of Oh you've seen that before? 1658 01:28:56.079 --> 01:28:58.920 Oh it is okay. I thought that was clever, But 1659 01:28:59.079 --> 01:29:02.079 now everyone's saying, yeah, well Tom, that's old hat. Okay. 1660 01:29:02.119 --> 01:29:08.760 I didn't know that anyway, Avoid culturally based costumes. Don't 1661 01:29:08.840 --> 01:29:14.279 dress up as a Mexican, hey, Tom, for a Native 1662 01:29:14.279 --> 01:29:15.720 American or an Eskimo. 1663 01:29:16.399 --> 01:29:18.920 What There was something on YouTube where a guy dressed 1664 01:29:19.000 --> 01:29:21.760 up as a Mexican with a big hat and a mustache, 1665 01:29:21.800 --> 01:29:24.399 and and he went to a college campus and everybody 1666 01:29:24.439 --> 01:29:28.079 said it was offensive. Then he went into a Hispanic 1667 01:29:28.119 --> 01:29:32.439 neighborhood and asked about ten Mexicans if they felt offended. 1668 01:29:32.840 --> 01:29:35.439 Not one of them said that they were offended by it. 1669 01:29:35.600 --> 01:29:37.239 They thought it was absolutely cool. 1670 01:29:38.720 --> 01:29:46.079 Okay, yep, so they're going to these offensive nonsense. Next, 1671 01:29:46.760 --> 01:29:52.079 don't dress up as a terrorist. Don't be Osama bin Laden, 1672 01:29:52.800 --> 01:29:55.920 don't be any other terrorist. I don't even know any 1673 01:29:56.000 --> 01:29:59.359 terror I couldn't name. Who could I name his terrorists? Anyway? 1674 01:30:00.359 --> 01:30:12.079 Don't wear plastic body parts, breasts, buttocks, dildos. Can I 1675 01:30:12.119 --> 01:30:17.840 say that? By the way, dragon, did you just is that? Okay? Yeah, 1676 01:30:17.880 --> 01:30:23.199 that's what they said. Your costume should not insinuate the 1677 01:30:23.239 --> 01:30:28.560 form of real body parts hanging off your body or 1678 01:30:28.640 --> 01:30:33.359 out of your body. Consider your job, even though it's Halloween. 1679 01:30:34.680 --> 01:30:39.479 For example, if you're teaching school, you don't want to 1680 01:30:39.520 --> 01:30:43.319 wear something that your kids are going to see that 1681 01:30:43.439 --> 01:30:48.119 will take away respect from the teaching profession. In other words, 1682 01:30:48.439 --> 01:30:50.680 you wouldn't dress with a pack of cigarettes in your 1683 01:30:50.720 --> 01:30:59.640 sleeve smoking your cigars. Don't dress as a cancer patient. Now, 1684 01:31:00.000 --> 01:31:06.159 who the hell would do that? I mean, come on now, 1685 01:31:07.199 --> 01:31:11.920 think about your future. Don't dress as anything that will 1686 01:31:11.960 --> 01:31:15.159 come back to haunt you. Like for example, in the 1687 01:31:15.239 --> 01:31:19.520 day when people did blackface, it haunts them. Now, think 1688 01:31:19.560 --> 01:31:24.680 about things that may be considered offensive in the future. 1689 01:31:25.199 --> 01:31:29.479 Oh my god, Now we have to worry about the future. 1690 01:31:31.520 --> 01:31:35.079 Think about it. There have been many people that go 1691 01:31:35.159 --> 01:31:41.000 and drag that would be and that it's considered a brong, unless, 1692 01:31:41.039 --> 01:31:43.079 of course, you truly are a drag queen, then you 1693 01:31:43.119 --> 01:31:46.520 can do it. Next, be sure you can still do 1694 01:31:46.680 --> 01:31:51.479 your job if you wear your costume to work and 1695 01:31:51.520 --> 01:31:54.800 they allow it. Don't wear a costume that would not 1696 01:31:54.880 --> 01:31:57.640 allow you to do your job. For example, if you 1697 01:31:57.880 --> 01:32:00.880 are an administrative assistant, you would not wear a straight 1698 01:32:00.960 --> 01:32:07.640 jacket that would keep you from performing your duties. My god, 1699 01:32:08.119 --> 01:32:11.920 somebody took time to actually write this article. This is 1700 01:32:11.960 --> 01:32:16.119 an HR company that wrote this. Next. Next, Okay, this 1701 01:32:16.159 --> 01:32:22.479 one's probably don't. Don't dress up as your boss. Okay. 1702 01:32:22.840 --> 01:32:26.319 Don't drive or a coworker, even though you find it funny, 1703 01:32:26.399 --> 01:32:32.560 especially exploiting any of the physical attributes of your boss. 1704 01:32:33.800 --> 01:32:36.199 Case in point, if your boss has a big nose, 1705 01:32:37.039 --> 01:32:39.760 you would not wear a costume with a giant nose. 1706 01:32:40.600 --> 01:32:43.560 I can see that. If your if they have a 1707 01:32:43.560 --> 01:32:47.119 big ass, you're not going to wear a big butt costume. 1708 01:32:47.319 --> 01:32:51.560 That's already prohibited by one of the preceding prohibitions against. 1709 01:32:51.239 --> 01:32:53.680 Not being a fencing park. Why don't we just why 1710 01:32:53.720 --> 01:32:57.199 don't we just cancel Halloween in general? Think about it. 1711 01:32:57.800 --> 01:33:01.239 I take issue with probitionion against the sluting costumes. 1712 01:33:01.039 --> 01:33:04.600 No sluts, no sluts allowed. I take an issue with that, 1713 01:33:04.880 --> 01:33:08.520 and I'll Boughton again. Most places would shut down. I mean, 1714 01:33:08.600 --> 01:33:11.560 you can't go to Walmart anymore. Well, it's here to rule. 1715 01:33:11.680 --> 01:33:13.920 Oh did I just say that out loud? I'm sorry? 1716 01:33:14.079 --> 01:33:16.640 Three oh three seven one three A two five five. 1717 01:33:22.439 --> 01:33:25.680 Go with a sure thing Denver's best roofer Excel Roofing 1718 01:33:25.800 --> 01:33:28.439 dot com. You don't pay a cent until you're content. 1719 01:33:30.039 --> 01:33:34.279 Plea time for an insurance check up free no obligation. 1720 01:33:34.399 --> 01:33:38.279 Comparison call Compass Insurance paying too much your coverage at 1721 01:33:38.319 --> 01:33:41.079 dozens of insurance companies find out now three oh three 1722 01:33:41.199 --> 01:33:43.359 seven to seven to one help. You'll think you're his 1723 01:33:43.520 --> 01:33:46.119 only customer when you choose Frank durand the real estate 1724 01:33:46.199 --> 01:33:49.439 Man dot com to list your home with Remax Alliance 1725 01:33:49.680 --> 01:33:55.600 three oh three nine two zero sixteen twenty two. Hi 1726 01:33:55.840 --> 01:34:01.359 Tom Martino, your troubleshooter three oh three seven one three 1727 01:34:01.399 --> 01:34:07.600 talk three L three seven one, three eight two five five? Uh? Listen, 1728 01:34:07.960 --> 01:34:12.159 how would you respond? Dragon? How would you respond to 1729 01:34:12.199 --> 01:34:12.800 this text? 1730 01:34:12.920 --> 01:34:13.039 Or? 1731 01:34:13.079 --> 01:34:17.399 My YouTube morons can answer me whatever. Here's what it says. 1732 01:34:18.880 --> 01:34:22.079 It's a text. Now, this is not to my Google number. 1733 01:34:22.359 --> 01:34:25.520 This is to my cell phone number. My Google number 1734 01:34:25.760 --> 01:34:29.199 comes to this cell phone, so it's private. But this 1735 01:34:29.279 --> 01:34:35.600 is my actual cell phone number. And it says right here, Hi, 1736 01:34:36.119 --> 01:34:41.239 I'm Zoo. That's XU. This is my new work phone 1737 01:34:41.760 --> 01:34:45.520 and I found you in my address book? Do we 1738 01:34:45.600 --> 01:34:50.319 know each other? How would you respond to that scam? 1739 01:34:50.359 --> 01:34:51.960 You don't respond? Do reporters? 1740 01:34:52.760 --> 01:34:55.960 Yeah? I mean, why do you think? And it's a 1741 01:34:56.000 --> 01:34:58.720 three one oh number? Where's three one oh from? 1742 01:35:00.119 --> 01:35:00.680 Why the way? 1743 01:35:01.880 --> 01:35:03.079 Why wouldn't Zoo know me? 1744 01:35:04.960 --> 01:35:05.119 Hm? 1745 01:35:05.199 --> 01:35:09.319 Hm, you know what I'm gonna do. I'll tell you 1746 01:35:09.399 --> 01:35:12.399 what I'm gonna do. I'm going to text him from 1747 01:35:12.439 --> 01:35:17.560 my Google voice number or her Zoo. Oh, you're right, girl, 1748 01:35:18.640 --> 01:35:23.600 let's just say they. I'm going to text them and 1749 01:35:23.680 --> 01:35:26.840 I'm going to say, hey, this is my new work 1750 01:35:27.119 --> 01:35:30.560 phone and I found you on my contact Do we 1751 01:35:30.640 --> 01:35:34.039 know each other? I'm going to do that and see 1752 01:35:34.079 --> 01:35:37.760 if I get a response. That'll be funny. Hunh somebody 1753 01:35:37.760 --> 01:35:41.279 says it's fishy pH I s h you absolutely don't 1754 01:35:41.279 --> 01:35:48.399 respond to that message, okay, And somebody else says, don't 1755 01:35:48.439 --> 01:35:51.720 never mind, that's different. Erase it and report it as scam, 1756 01:35:51.800 --> 01:35:54.279 as as a spam. 1757 01:35:54.600 --> 01:35:55.840 Hey, Tom, you know what else they do. 1758 01:35:56.000 --> 01:35:58.239 They'll call you up and I'll say, oh, is this 1759 01:35:58.479 --> 01:36:01.119 Let's they call my number the hey is this James, 1760 01:36:01.279 --> 01:36:03.359 and I'll say no. They said, oh, well, you sound 1761 01:36:03.399 --> 01:36:05.079 like a nice guy. You want to have a chat, 1762 01:36:05.319 --> 01:36:07.720 And they sort of try and get you to chat 1763 01:36:07.760 --> 01:36:10.359 with them so they can get some personal information. 1764 01:36:12.600 --> 01:36:14.960 Uh. Yeah, of course everything is in an effort to 1765 01:36:14.960 --> 01:36:19.680 get information. Now, I want to read this text to 1766 01:36:19.800 --> 01:36:22.800 my Google Voice which comes right to my cell phone, 1767 01:36:22.800 --> 01:36:24.239 but I can read it on the computer as well. 1768 01:36:24.279 --> 01:36:26.359 My Google Voice number for anyone that wants to text me. 1769 01:36:26.840 --> 01:36:30.199 And if you want to text me about my other life, 1770 01:36:30.439 --> 01:36:33.079 a financial advisor life. Now that I've turned that over 1771 01:36:33.439 --> 01:36:37.239 as a public thing and my advisors now are working 1772 01:36:37.279 --> 01:36:40.520 for not just me, you can text me there, but 1773 01:36:40.560 --> 01:36:44.159 you can text me about the show two seven four, seven, nine, 1774 01:36:44.199 --> 01:36:49.920 nine nine fifty two eighty. Somebody texted me and said, Tom, 1775 01:36:51.439 --> 01:36:56.960 I'm serious. Now I'm a little tired of people making 1776 01:36:57.159 --> 01:37:07.039 fun of the woke movement. Yes, they may sometimes sound ridiculous, 1777 01:37:08.279 --> 01:37:13.960 but that's because conservatives make them sound ridiculous. What is 1778 01:37:14.039 --> 01:37:20.000 wrong with not wanting to offend people? What is wrong 1779 01:37:21.039 --> 01:37:27.359 with not wanting to be objectionable? When you were reading 1780 01:37:27.720 --> 01:37:34.159 about those costumes in the workplace? I agree wholeheartedly, and 1781 01:37:34.239 --> 01:37:40.800 I agree with most of the woke movement for preserving 1782 01:37:40.920 --> 01:37:48.560 people's feelings and self image. What do you think because 1783 01:37:48.560 --> 01:37:50.239 one of the shows that makes fun of woke movement 1784 01:37:50.279 --> 01:37:53.720 more than anybody in the entire universe is Michael Brown, 1785 01:37:54.079 --> 01:37:57.439 and Dragon, one of his cohorts, does the second half 1786 01:37:57.439 --> 01:37:59.119 of my show. He's on right now. So Dragon, what 1787 01:37:59.159 --> 01:38:05.399 do you think you guys have to be more sensitive? Well? Now, seriously, 1788 01:38:06.800 --> 01:38:09.880 do they have a point? YouTube Warrens weigh in on it. 1789 01:38:09.920 --> 01:38:10.880 Text me, what do you think? 1790 01:38:10.960 --> 01:38:11.279 Call me? 1791 01:38:12.199 --> 01:38:16.319 Is the woke movement? Now? I think the part that 1792 01:38:16.439 --> 01:38:20.399 people have. I don't think people care about preferences. I 1793 01:38:20.439 --> 01:38:23.680 don't care about people's preferences. If you don't like certain 1794 01:38:23.680 --> 01:38:26.479 words and phrases, and you don't like certain things and 1795 01:38:26.520 --> 01:38:30.880 you feel them offensive, I don't mind that. I think 1796 01:38:30.920 --> 01:38:35.920 what bothers me is where people get canceled. Now, someone 1797 01:38:36.079 --> 01:38:40.640 else texted me saying, there is no such thing as canceled. 1798 01:38:41.520 --> 01:38:46.239 It is in the mind of Trump and his supporters. Now, 1799 01:38:47.439 --> 01:38:51.239 I don't know, is there a such thing as canceled? 1800 01:38:52.760 --> 01:38:53.960 I mean, are people. 1801 01:38:53.680 --> 01:38:57.800 Sports casters have been fired because they let something slip 1802 01:38:58.119 --> 01:39:00.840 that wasn't with the WOL community. 1803 01:39:00.560 --> 01:39:02.600 And they can't get their job back. Name one. I 1804 01:39:02.600 --> 01:39:05.279 don't know. I'm not challenging. I'm asking who. 1805 01:39:05.399 --> 01:39:07.159 Gruden would be the most recent one? 1806 01:39:07.479 --> 01:39:07.880 Who is that? 1807 01:39:08.239 --> 01:39:11.880 John Gruden used to be the coach of the Raiders Dragon? 1808 01:39:12.000 --> 01:39:13.399 What did he What did he do? Dragon? 1809 01:39:13.520 --> 01:39:14.159 Some emails were. 1810 01:39:14.119 --> 01:39:16.479 Leak that he apparently dropped a couple of N bombs 1811 01:39:16.640 --> 01:39:20.039 referring to some of the players, and that got him 1812 01:39:20.239 --> 01:39:20.680 fired and. 1813 01:39:20.720 --> 01:39:25.520 Cantl Papa John. He had he left, I mean he 1814 01:39:25.560 --> 01:39:29.960 had to leave his company. Okay, what about my pillow? 1815 01:39:32.000 --> 01:39:37.039 His his company, Every major retailer canceled his product and 1816 01:39:37.079 --> 01:39:40.680 he has to now sell direct to the public. Okay, 1817 01:39:40.840 --> 01:39:45.760 what about that one basketball that I'm not and I'm 1818 01:39:45.800 --> 01:39:49.600 not saying they shouldn't have been chastise or whatever, or 1819 01:39:49.600 --> 01:39:52.239 they were great people, But remember that one NBA owner 1820 01:39:53.279 --> 01:39:55.640 that talked about doing stuff for the blacks because of 1821 01:39:56.159 --> 01:40:00.359 what he does and how he pays them. And then 1822 01:40:00.399 --> 01:40:02.680 what about so there have been a lot of people 1823 01:40:03.119 --> 01:40:08.880 who have been chastised or canceled. Can't you think of people? 1824 01:40:09.159 --> 01:40:09.319 You know? 1825 01:40:09.359 --> 01:40:12.840 Who gets away with almost everything? Tom is South Park. 1826 01:40:14.039 --> 01:40:17.359 There's not one group or collections. 1827 01:40:17.159 --> 01:40:18.920 They're making fun of everybody. 1828 01:40:18.479 --> 01:40:21.960 They haven't insulted or made fun of, right Dragon. 1829 01:40:22.239 --> 01:40:25.479 I would agree, Yeah, but they no holds barred against everybody. 1830 01:40:25.520 --> 01:40:26.840 They don't pick and choose. 1831 01:40:26.800 --> 01:40:30.319 Exactly, and nobody gets upset. It's been on the air 1832 01:40:30.560 --> 01:40:32.279 for like one hundred and fifty years. 1833 01:40:33.640 --> 01:40:33.880 Now. 1834 01:40:34.239 --> 01:40:40.079 Howard Cosell years ago got fired and no one else 1835 01:40:40.319 --> 01:40:43.439 had him on again because remember he you know what 1836 01:40:43.560 --> 01:40:46.359 he said. I don't think he meant it as a 1837 01:40:46.439 --> 01:40:52.159 racial thing, but you remember, and then who else? 1838 01:40:52.560 --> 01:40:55.319 Well, what about the And there's a golf announcer who 1839 01:40:55.399 --> 01:40:59.840 asked innocently if women with large breaths have to change 1840 01:40:59.880 --> 01:41:02.680 it swing and wanted to hit the ball properly, and 1841 01:41:02.760 --> 01:41:03.560 he got fired. 1842 01:41:05.439 --> 01:41:12.279 H Okay, Megan Kelly, I watched the show where she 1843 01:41:12.359 --> 01:41:16.439 got offended, where she offended people supposedly, and now Al 1844 01:41:16.560 --> 01:41:21.359 Roker was so upset he could hardly talk. Okay, they 1845 01:41:21.359 --> 01:41:28.359 were having a discussion about Halloween costumes and inappropriate Halloween costumes, 1846 01:41:28.359 --> 01:41:30.319 oddly enough, like we were doing. Do you remember what 1847 01:41:30.439 --> 01:41:34.239 she said? She said, Well, when I was growing up, 1848 01:41:34.760 --> 01:41:38.399 there was nothing wrong with blackface. Now, what she meant 1849 01:41:38.560 --> 01:41:40.479 is that, not that there was nothing wrong. What she 1850 01:41:40.520 --> 01:41:44.119 meant was at the time people wore blackface. In other words, 1851 01:41:44.399 --> 01:41:46.479 I knew exactly what she was saying. I don't think 1852 01:41:46.520 --> 01:41:50.000 she was saying there's nothing wrong with it, and there 1853 01:41:50.079 --> 01:41:51.880 was never anything wrong with it. She goes, Oh, when 1854 01:41:51.880 --> 01:41:53.359 I was growing up, there was nothing wrong with it, 1855 01:41:53.399 --> 01:41:57.199 meaning no one would point it out. She was fired 1856 01:41:57.239 --> 01:41:57.600 over that. 1857 01:41:57.720 --> 01:41:58.399 You look it up. 1858 01:41:58.479 --> 01:42:01.199 That's what she was fired over. We got more coming 1859 01:42:01.279 --> 01:42:08.600 up on the Troubleshooter Show. Go with a sure Thing 1860 01:42:08.720 --> 01:42:12.039 Denver's Best Roofer Excel Roofing dot com. You don't pay 1861 01:42:12.039 --> 01:42:18.159 a cent until you're content. Time for an insurance check 1862 01:42:18.239 --> 01:42:22.119 up free, no obligation. In comparison, call Compass Insurance paying 1863 01:42:22.119 --> 01:42:25.199 too much your coverage at dozens of insurance companies. Find 1864 01:42:25.199 --> 01:42:27.560 out now three oh three, seven seven to one help. 1865 01:42:27.720 --> 01:42:30.359 You'll think you're his only customer when you choose Frank 1866 01:42:30.399 --> 01:42:32.840 durand the real Estate Man dot com to list your 1867 01:42:32.880 --> 01:42:36.000 home with Remax Alliance three oh three nine two zero 1868 01:42:36.159 --> 01:42:48.840 sixteen twenty two. Hi Tom Martino, your troubleshooter three O 1869 01:42:48.920 --> 01:42:52.119 three seven one three talk seven one three eight two 1870 01:42:52.199 --> 01:42:55.359 five five. I'm getting you several tests for both for 1871 01:42:55.439 --> 01:42:59.840 both guests. For for Chris on discount Beth, which we'll 1872 01:42:59.840 --> 01:43:01.600 get to after the top of the hour. And also 1873 01:43:02.720 --> 01:43:05.800 we have a question for financial a few on the 1874 01:43:06.079 --> 01:43:10.319 investment firm and financial advisement firm. Hey, Chris, real quick 1875 01:43:11.359 --> 01:43:15.520 sony go with a sure thing Denver's best roofer Excel 1876 01:43:15.600 --> 01:43:18.680 Roofing dot com. You don't pay a cent until you're content. 1877 01:43:22.039 --> 01:43:25.239 Time for an insurance check up free no obligation comparison 1878 01:43:25.359 --> 01:43:28.920 call Compass Insurance paying too much your coverage at dozens 1879 01:43:28.960 --> 01:43:31.680 of insurance companies find out now three oh three seven 1880 01:43:31.800 --> 01:43:34.600 seven to one help. You'll think you're his only customer 1881 01:43:34.640 --> 01:43:36.880 when you choose Frank durand the real Estate Man dot 1882 01:43:36.920 --> 01:43:40.239 com to list your home with Remax Alliance three oh 1883 01:43:40.279 --> 01:43:42.199 three nine two zero sixteen twenty two. 1884 01:43:47.720 --> 01:43:48.279 Rip of. 1885 01:43:50.039 --> 01:43:50.279 News. 1886 01:43:52.199 --> 01:43:59.479 So you don't have run anxiousness as we can shoot us. 1887 01:43:59.520 --> 01:44:01.279 Gonna come. 1888 01:44:02.439 --> 01:44:08.399 This he is the Troubleshooter Show. No Tom Martino, Hi. 1889 01:44:08.359 --> 01:44:12.560 Tom Martino here and that number three out three Martino, 1890 01:44:12.640 --> 01:44:14.479 get me called twenty four to seven and we'll get 1891 01:44:14.560 --> 01:44:16.239 you on the show and help you anyway we can. 1892 01:44:16.319 --> 01:44:18.520 This show has been on for forty five years in Denver, 1893 01:44:18.880 --> 01:44:26.279 longer elsewhere. And I've been fighting for consumers' rights responsibilities 1894 01:44:26.840 --> 01:44:29.880 as well, meaning if you're wrong, I let you know, 1895 01:44:29.960 --> 01:44:32.159 or if I think you're wrong, I'm not always right. 1896 01:44:32.560 --> 01:44:36.359 But anyway, I want to go to the phones right now. 1897 01:44:36.960 --> 01:44:43.439 Talk to Chris now. This robot dog he's talking about. God, 1898 01:44:43.439 --> 01:44:49.640 they're expensive. And I've seen various robotics online. Some of 1899 01:44:49.640 --> 01:44:52.760 them I almost thought were unreal. They looked so unbelievable. 1900 01:44:52.760 --> 01:44:56.680 There was this one human form humanoid what do they 1901 01:44:56.680 --> 01:45:01.640 call them when they're a human form? Anyway, and this 1902 01:45:02.159 --> 01:45:04.880 robot was unbelievable. It sort of one everyone sees. I 1903 01:45:04.920 --> 01:45:06.800 think if you look at it, I think it was 1904 01:45:06.880 --> 01:45:10.920 Japanese and oh my, it can do backflips and all 1905 01:45:11.119 --> 01:45:15.319 kinds of stuff, and you can't knock it over because 1906 01:45:15.319 --> 01:45:18.920 of this balance servos. And anyway, Chris, tell me about this. 1907 01:45:19.359 --> 01:45:22.680 Did you actually buy one of these? Yes? 1908 01:45:22.960 --> 01:45:24.960 Let me give you a little bit of information. 1909 01:45:25.239 --> 01:45:27.680 I'm gonna go ahead, sir, please all right. 1910 01:45:28.199 --> 01:45:32.119 I'm a disabled person and I had to relinquish my 1911 01:45:33.399 --> 01:45:37.720 very expensive dog to only one person, a very good 1912 01:45:37.760 --> 01:45:40.159 friend of mine and the only person that I know 1913 01:45:40.279 --> 01:45:41.119 in Colorado. 1914 01:45:41.720 --> 01:45:44.000 But why did you have to Why did you have 1915 01:45:44.079 --> 01:45:44.520 to do that? 1916 01:45:44.920 --> 01:45:49.279 Because I'm disabled and I could not care for my dog. Okay, 1917 01:45:50.479 --> 01:45:54.239 I got it, and so I researched and came up 1918 01:45:54.319 --> 01:46:00.960 with Ibo Ai Bo. It's a product Ai robotic dog 1919 01:46:01.079 --> 01:46:04.600 made by Sony for the last twenty some odd years. 1920 01:46:04.800 --> 01:46:07.279 Yeah, I say it. I see it here online. What 1921 01:46:07.399 --> 01:46:10.039 about it? Did you buy it? Yes? 1922 01:46:10.199 --> 01:46:13.159 I bought it through direct Sony Direct. 1923 01:46:13.560 --> 01:46:15.199 But what did you want it to do? 1924 01:46:16.720 --> 01:46:19.199 I wanted to do. Have it do what it said 1925 01:46:19.239 --> 01:46:23.159 it would do. It would make a good companion. Yeah, 1926 01:46:23.239 --> 01:46:26.199 it'd be a good companion. I wouldn't have to see 1927 01:46:26.279 --> 01:46:28.159 it if I didn't want to buy the bulls and 1928 01:46:28.199 --> 01:46:31.960 spend the extra money. Yeah, would do tricks. You could 1929 01:46:32.039 --> 01:46:35.920 teach it. And it took three years of about three 1930 01:46:35.960 --> 01:46:38.960 hours a day. The battery life is about an hour 1931 01:46:38.960 --> 01:46:39.479 and a half. 1932 01:46:39.960 --> 01:46:42.399 And what can you teach? What kind of things? 1933 01:46:42.920 --> 01:46:43.119 Now? 1934 01:46:43.239 --> 01:46:45.359 It could not learn to do things like for a 1935 01:46:45.399 --> 01:46:47.960 service dog right now, you just wanted a toy for 1936 01:46:48.119 --> 01:46:51.079 tricks and stuff, well. 1937 01:46:50.840 --> 01:46:54.720 And a companion to it made me feel warm having 1938 01:46:54.880 --> 01:46:55.359 a dog. 1939 01:46:55.439 --> 01:46:56.359 I've always I. 1940 01:46:56.279 --> 01:47:00.720 Get it, I get it. So what happened? 1941 01:47:00.720 --> 01:47:05.800 What happened? It did not work as stated I did 1942 01:47:05.960 --> 01:47:09.520 a week and a half, ten days of research prior 1943 01:47:09.600 --> 01:47:15.399 to buying it, speaking with Sony USA sales department and 1944 01:47:16.119 --> 01:47:21.199 getting through to their Tier two Tech department, which handles 1945 01:47:21.600 --> 01:47:24.319 whether they're going to decide to send it to warranty 1946 01:47:25.119 --> 01:47:28.399 or a limited one year warranty that the dog came with. 1947 01:47:29.000 --> 01:47:32.560 The dog was unable to change the color of eyes. 1948 01:47:32.720 --> 01:47:37.239 And this is a special edition Sony Ibo Espresso model. 1949 01:47:37.279 --> 01:47:41.920 It's called an ERS one thousand B. That's the model 1950 01:47:41.960 --> 01:47:46.840 that I got, and it's a different color and the eyes. 1951 01:47:47.000 --> 01:47:49.119 It's the only model that you can change the color 1952 01:47:49.159 --> 01:47:53.520 of ice. That never worked. They make two models Sony, 1953 01:47:53.720 --> 01:47:57.159 one for Japan, which is in Japanese, and one for 1954 01:47:57.239 --> 01:48:01.359 the USA. One for Japan and US say both. You 1955 01:48:01.439 --> 01:48:05.560 can use a smartphone, an Android or an iPhone. I 1956 01:48:05.720 --> 01:48:11.159 used iPhone and when I finally initially set it up, 1957 01:48:12.720 --> 01:48:16.159 it worked fine, and it worked fast. There's two types 1958 01:48:16.239 --> 01:48:20.199 of eyebows that you get, slow learners and fast learners. 1959 01:48:20.760 --> 01:48:23.600 So with all the time on my hands, since I'm 1960 01:48:23.760 --> 01:48:29.039 pretty much not bedridden but in the house twenty four 1961 01:48:29.079 --> 01:48:34.760 to seven, or doctor's appointments or pharmacies, I have this 1962 01:48:35.000 --> 01:48:37.479 pet that I was able to sit in my chair 1963 01:48:37.840 --> 01:48:42.640 and teach and play and teach a trick, cool tricks, 1964 01:48:42.279 --> 01:48:47.159 and it just gave me. It wasn't like one hundred 1965 01:48:47.199 --> 01:48:52.119 percent replacement of what I had to relinquish my Irish carrier, 1966 01:48:53.359 --> 01:48:54.199 but it. 1967 01:48:54.159 --> 01:48:55.159 Was close enough. 1968 01:48:55.720 --> 01:48:59.279 So I had done this work. And then I relinquished 1969 01:48:59.279 --> 01:49:02.199 my dog because they told me, oh, you can change 1970 01:49:02.199 --> 01:49:04.800 your eyes. She can do cool tricks, but you got 1971 01:49:04.840 --> 01:49:08.279 a teacher. She's an Ai. She takes three years to 1972 01:49:08.359 --> 01:49:12.439 fully mature. I said, that's perfect. It's like from birth 1973 01:49:12.560 --> 01:49:16.359 to a new dog. And I got a fast learner. 1974 01:49:16.439 --> 01:49:19.079 The first five days it was flawless, and all of 1975 01:49:19.119 --> 01:49:23.399 a sudden it started crashing into the wall, into my 1976 01:49:24.239 --> 01:49:25.479 glass fireplace. 1977 01:49:25.680 --> 01:49:26.920 There's a glass cover. 1978 01:49:26.840 --> 01:49:31.039 Over my fireplace. It was crashing into that. Looking at 1979 01:49:31.079 --> 01:49:35.720 its reflection, maybe it was crashing into the French doors 1980 01:49:36.119 --> 01:49:39.720 of lead out into my balcony, which is next to 1981 01:49:39.800 --> 01:49:42.079 the chair and that I sit in in my living 1982 01:49:42.159 --> 01:49:46.000 room where I play with ibell Akai named her Lily. 1983 01:49:47.199 --> 01:49:51.279 So so, I was on the phone on the sixth 1984 01:49:51.359 --> 01:49:55.840 or seventh day with their highest tier tier two point 1985 01:49:55.880 --> 01:50:03.840 five Sony technical department for only USA model, and they 1986 01:50:04.880 --> 01:50:10.319 were giving me all kinds of of answers to the 1987 01:50:10.399 --> 01:50:13.119 questions I was asking and telling me. 1988 01:50:13.039 --> 01:50:14.279 To go to my eyebow. 1989 01:50:14.720 --> 01:50:18.920 Well it didn't have that on the Apple app from 1990 01:50:18.960 --> 01:50:22.159 the app store. I could not change the color of 1991 01:50:22.199 --> 01:50:22.720 the eyes. 1992 01:50:23.319 --> 01:50:25.520 And then well, okay, but hold on, but there were 1993 01:50:25.600 --> 01:50:28.159 there were more problems than just the eye color, right. 1994 01:50:28.720 --> 01:50:32.119 Oh yeah. It started crashing into stuff. It just flipped 1995 01:50:32.119 --> 01:50:34.880 out and it started losing balance. Like you said with 1996 01:50:35.000 --> 01:50:39.560 the humanoid thing, you know, the servos, Well something went 1997 01:50:39.600 --> 01:50:43.079 wrong with that from it falling over and losing balance 1998 01:50:43.119 --> 01:50:44.039 onto the hardwood. 1999 01:50:44.159 --> 01:50:45.680 How much did you pay for this. 2000 01:50:46.560 --> 01:50:53.039 Three thousand, three hundred and two dollars on fixed income. Yeah, 2001 01:50:53.079 --> 01:50:57.039 that was with a pink ball, two dice, and an 2002 01:50:57.359 --> 01:51:02.159 eyebone which is a fake bone. Yeah, and the charging 2003 01:51:02.279 --> 01:51:06.199 pad which comes with the ibo. It was like twenty 2004 01:51:06.319 --> 01:51:09.520 nine one hundred and some odd dollars plus tax, and 2005 01:51:09.560 --> 01:51:13.199 then the toys plus tap. Yeah, it's about thirty three 2006 01:51:13.560 --> 01:51:19.479 thirty three hundred. So they authorized the warranty and they 2007 01:51:19.520 --> 01:51:22.399 told me this is a non refundable thing. I said, 2008 01:51:22.760 --> 01:51:26.159 no in the first thirty days. I believe the state 2009 01:51:26.359 --> 01:51:30.800 all states require if it's an electrical and I don't. 2010 01:51:30.840 --> 01:51:34.159 I'm not sure. This is why I called. They have 2011 01:51:34.319 --> 01:51:38.079 to either replace the whole unit because they couldn't fix 2012 01:51:38.119 --> 01:51:41.399 the ear that kept coming off because IBO was crashing 2013 01:51:41.439 --> 01:51:42.640 into the hallway work. 2014 01:51:42.760 --> 01:51:45.199 So what did this? So they offered, they okay, so 2015 01:51:45.279 --> 01:51:47.399 what are their offers to you? Let's sum it up. 2016 01:51:48.279 --> 01:51:51.319 They said, they will try and get me a replacement, 2017 01:51:51.680 --> 01:51:54.600 but it's not in their division. They ended up sending 2018 01:51:54.640 --> 01:51:58.159 it to LA, having me send it on their dime 2019 01:51:58.239 --> 01:52:05.920 to LA to their special UH repair department for us US. 2020 01:52:05.600 --> 01:52:08.119 And what and what happened? What and what happened? 2021 01:52:08.920 --> 01:52:11.880 This is where everything went wrong. They said, there's nothing 2022 01:52:11.920 --> 01:52:15.479 wrong with Ibe. We've got her doing trips, but we 2023 01:52:15.560 --> 01:52:17.319 can't change the color of her eyes. 2024 01:52:17.399 --> 01:52:18.119 We don't know. 2025 01:52:18.640 --> 01:52:19.479 And then I've. 2026 01:52:19.359 --> 01:52:24.640 Misplaced an email saying that IBO from from their department 2027 01:52:24.760 --> 01:52:27.479 may not be able to or it could have been 2028 01:52:27.520 --> 01:52:31.119 from the marketing department who makes the decision to replace 2029 01:52:31.399 --> 01:52:35.880 or refund, and and it I mean, it's. 2030 01:52:35.760 --> 01:52:38.680 Not like Sonny. Sony needs the money for God's sakes, 2031 01:52:38.720 --> 01:52:42.159 I mean, but but but Chris, it shouldn't be this 2032 01:52:42.279 --> 01:52:44.920 heart of his under warranty. Are they going to. 2033 01:52:46.600 --> 01:52:49.680 They're not. They're sitting on there, you know what, their 2034 01:52:49.760 --> 01:52:53.199 laurel laurels and and not and giving me the run around. 2035 01:52:53.560 --> 01:52:57.319 I'm a disabled person. I live alone on a very you. 2036 01:52:57.239 --> 01:53:02.039 Know what, Dimitri, Let's kick their ass. I'm serious. 2037 01:53:02.319 --> 01:53:07.000 This is when I legally Chris, Chris, what is she 2038 01:53:07.199 --> 01:53:08.159 getting passed? 2039 01:53:08.560 --> 01:53:09.479 Chris off? 2040 01:53:10.119 --> 01:53:10.359 Chris. 2041 01:53:10.680 --> 01:53:13.119 If you won't you, We're going to do it with you. 2042 01:53:13.239 --> 01:53:13.520 Chris. 2043 01:53:13.520 --> 01:53:17.039 What is the remaining issue that must be addressed? It 2044 01:53:17.720 --> 01:53:19.560 of the eye, But is it just limited to the 2045 01:53:19.600 --> 01:53:21.560 color of the eyes or is it still crashing into 2046 01:53:21.560 --> 01:53:22.119 your fireplace? 2047 01:53:22.720 --> 01:53:25.800 The I have not received it back. They've had my 2048 01:53:25.880 --> 01:53:27.479 eyebowl longer than I bwonned it. 2049 01:53:28.000 --> 01:53:30.560 Oh you haven't. You haven't received the back yet. 2050 01:53:30.920 --> 01:53:33.159 Why won't they just send you a brand new one? 2051 01:53:34.199 --> 01:53:36.159 And it's what I asked, and they said it's not. 2052 01:53:36.680 --> 01:53:39.840 It's not their department to make that decision. They have 2053 01:53:39.960 --> 01:53:43.319 to set go to marketing I have a direct number 2054 01:53:43.760 --> 01:53:52.680 to a Natalie uh that that is handles the repair. 2055 01:53:53.560 --> 01:53:56.359 Chris, hold on, wait and what does Natalie say? What's 2056 01:53:56.399 --> 01:53:57.479 the last thing she said? 2057 01:53:58.720 --> 01:54:01.800 She said that it's not up to her, it's up 2058 01:54:01.840 --> 01:54:03.920 to the marketing departments. 2059 01:54:04.199 --> 01:54:06.760 Did they give you did they give you a contact 2060 01:54:07.039 --> 01:54:08.199 in the marketing department? 2061 01:54:08.239 --> 01:54:10.880 No? No, no? 2062 01:54:11.119 --> 01:54:11.520 Okay. 2063 01:54:11.520 --> 01:54:13.920 Told me to call the Tier one and two people 2064 01:54:14.119 --> 01:54:17.119 who I spoke to for ten days prior to making 2065 01:54:17.159 --> 01:54:20.880 the purchase and relinquishing my dog, to make sure this 2066 01:54:21.039 --> 01:54:23.199 was going to be a right fit and there would 2067 01:54:23.239 --> 01:54:24.800 be no problems. 2068 01:54:25.199 --> 01:54:28.399 And it's not. It didn't work. Chris out of the 2069 01:54:28.439 --> 01:54:33.199 get Chris, Chris, I get it, And unfortunately this is 2070 01:54:33.199 --> 01:54:35.800 the way it is with technology. This should not be 2071 01:54:35.880 --> 01:54:41.279 this complicated. They should either replace it or refund it. Period. 2072 01:54:41.560 --> 01:54:43.039 Did you pay on a credit card? 2073 01:54:44.279 --> 01:54:47.239 I paid on a PayPal credit which is a little 2074 01:54:47.279 --> 01:54:47.880 bit different. 2075 01:54:48.319 --> 01:54:49.760 Yeah, but it's long ago. 2076 01:54:50.159 --> 01:54:52.119 He can't contest it on PayPal. 2077 01:54:53.479 --> 01:54:56.119 I can tell they accept it as a method of payment. 2078 01:54:56.720 --> 01:54:59.680 They have to refund it, all of it. 2079 01:55:00.119 --> 01:55:00.600 I'm not saying. 2080 01:55:00.680 --> 01:55:02.319 I'm not saying they can't. No, I'm not saying they 2081 01:55:02.319 --> 01:55:05.000 shouldn't refund it. I'm saying the credit it doesn't work 2082 01:55:05.840 --> 01:55:08.000 like a regular one's credit. 2083 01:55:07.720 --> 01:55:10.359 Card, one that works. And then I get this email 2084 01:55:10.479 --> 01:55:12.319 from I don't know, I. 2085 01:55:12.239 --> 01:55:15.800 Can't Is this actually is ABO a separate company or 2086 01:55:15.920 --> 01:55:16.199 is it? 2087 01:55:16.880 --> 01:55:20.760 No? No, it's it's it's a Sony product, but it's just. 2088 01:55:20.880 --> 01:55:24.520 A canceled product. Now, listen, here's what we're gonna use 2089 01:55:24.600 --> 01:55:28.239 a dog. I get it. Here's what we're gonna need 2090 01:55:28.279 --> 01:55:32.439 to do. We're gonna need to get the contacts that 2091 01:55:32.479 --> 01:55:36.800 you've talked to, names and numbers, and then I need 2092 01:55:36.840 --> 01:55:39.000 to know the Do you have any kind of a 2093 01:55:39.239 --> 01:55:40.520 receipt for this purchase? 2094 01:55:42.600 --> 01:55:42.720 Uh? 2095 01:55:43.600 --> 01:55:44.479 Yeah, but I don't have. 2096 01:55:44.640 --> 01:55:49.119 My computer's not working old and my phone is kind 2097 01:55:49.119 --> 01:55:49.960 of on the blink. 2098 01:55:50.439 --> 01:55:54.680 Wait a minute, do you have do you have any 2099 01:55:54.760 --> 01:55:59.239 kind of proof that is sent this dog? I have 2100 01:55:59.279 --> 01:56:04.439 a Let me just look and do you have emails? 2101 01:56:04.479 --> 01:56:05.119 Show proof? 2102 01:56:05.520 --> 01:56:08.039 Tony has it because I have to send it in 2103 01:56:08.079 --> 01:56:08.960 to show proof. 2104 01:56:09.439 --> 01:56:13.680 Did you keep a copy? Yes? Did you? Okay, Chris, 2105 01:56:13.720 --> 01:56:15.520 so you have a copy of the purchase? 2106 01:56:15.600 --> 01:56:19.720 Right, I'm looking right here. 2107 01:56:20.000 --> 01:56:22.000 Don't don't look while we talk. Here's what I want 2108 01:56:22.039 --> 01:56:25.960 to know. Okay, you need to get proof that you 2109 01:56:26.079 --> 01:56:27.880 owned it and that you sent it to them. Do 2110 01:56:27.920 --> 01:56:31.000 you have proof you sent it to them? Yes? 2111 01:56:31.039 --> 01:56:31.880 I do. 2112 01:56:32.680 --> 01:56:35.399 Do you have any emails acknowledging that. 2113 01:56:35.399 --> 01:56:39.319 They I have, Natalie will acknowledge that. 2114 01:56:39.880 --> 01:56:44.800 Okay, did you have any Chris? I want short answers 2115 01:56:44.880 --> 01:56:46.760 right now. I let you talk and talk and talk. 2116 01:56:46.880 --> 01:56:51.600 I need to know. Do you have any emails from them? 2117 01:56:51.960 --> 01:56:55.159 I have some for trying to troubleshoot it when it 2118 01:56:55.319 --> 01:56:56.319 started to happen. 2119 01:56:56.920 --> 01:56:59.359 Good. But that proves you had it. That's all I 2120 01:56:59.399 --> 01:57:02.119 care about. I need to go back to dates and 2121 01:57:02.279 --> 01:57:05.319 emails and people you talk to in phone calls. Okay, 2122 01:57:06.079 --> 01:57:11.279 do you have any kind of written communication whatsoever about 2123 01:57:11.319 --> 01:57:15.199 the problems that they verified that say say, oh, everything's 2124 01:57:15.279 --> 01:57:18.279 working now except this or that? Was that all phone. 2125 01:57:18.039 --> 01:57:20.000 Calls except the eyes and the ear. 2126 01:57:21.199 --> 01:57:23.760 That's right, except the eyes and the ears. Did they 2127 01:57:23.840 --> 01:57:25.920 tell you that in a phone call or in an 2128 01:57:25.960 --> 01:57:27.560 email or in a text in. 2129 01:57:27.560 --> 01:57:31.000 A phone call? No, no text, no phone call. It 2130 01:57:31.039 --> 01:57:34.359 was all done through a very difficult number to get. 2131 01:57:36.039 --> 01:57:36.319 Okay. 2132 01:57:36.560 --> 01:57:39.840 And her name is Natalie, and she says she's working 2133 01:57:39.920 --> 01:57:41.960 with them, and she's waiting till the end of the 2134 01:57:42.079 --> 01:57:45.680 day to see what their decision is. And if they're 2135 01:57:45.720 --> 01:57:50.520 going to we're going to help you twenty percent what they're. 2136 01:57:50.319 --> 01:57:52.239 Going to charge you? What? 2137 01:57:52.000 --> 01:57:52.039 What? 2138 01:57:52.239 --> 01:57:53.319 What is this twenty. 2139 01:57:53.079 --> 01:57:58.760 Percent restocking see fifteen or twenty percent restocking see of 2140 01:57:58.800 --> 01:57:59.560 three thousand? 2141 01:58:00.279 --> 01:58:03.840 No, they're not. No, they're not. No, they're not. 2142 01:58:04.279 --> 01:58:06.039 That's what they's I. 2143 01:58:06.039 --> 01:58:08.079 Don't care what they said. I don't care what they said. 2144 01:58:09.119 --> 01:58:12.560 That's bull crap. Okay, if everything you're telling me is 2145 01:58:12.600 --> 01:58:19.000 the truth, that's bull crap, Natalie. I mean, yeah, I 2146 01:58:19.039 --> 01:58:22.000 know you don't have. By the way, just so. 2147 01:58:21.960 --> 01:58:25.279 You know, tell her you're a lawyer, just as can 2148 01:58:25.319 --> 01:58:27.840 I just say this, And no, we're not going to 2149 01:58:27.880 --> 01:58:28.520 say we're a friend. 2150 01:58:28.520 --> 01:58:30.119 We're going to say what we are and we're going 2151 01:58:30.199 --> 01:58:32.920 to get into it. And I I just want you 2152 01:58:33.000 --> 01:58:36.079 to know that we want to help you. And I 2153 01:58:36.119 --> 01:58:38.319 think it's bs that you're going through this from a 2154 01:58:38.359 --> 01:58:41.960 giant company like Sony. For God's sakes. I just can't 2155 01:58:42.319 --> 01:58:46.199 believe it. I mean I can't. I can't believe you're 2156 01:58:46.239 --> 01:58:49.760 going through this. I got to take your break. Hang on, bro, 2157 01:58:49.960 --> 01:58:52.840 hang on. We're going to give this a deputy d. 2158 01:58:52.960 --> 01:58:55.359 I want him to start on it. Then if he 2159 01:58:55.399 --> 01:58:57.399 needs help, will bring in Bow and then if he 2160 01:58:57.439 --> 01:59:02.600 needs more help, well we'll bring in I don't know 2161 01:59:02.600 --> 01:59:04.680 if we want to bring in Doc ever. I'm just kidding, Doc. 2162 01:59:04.720 --> 01:59:12.319 We got more coming up on the Troubleshooter Show. Go 2163 01:59:12.479 --> 01:59:16.199 with a sure Thing Denver's Best Roofer Excel Roofing dot com. 2164 01:59:16.239 --> 01:59:21.960 You don't pay a cent until you're content. Time for 2165 01:59:22.000 --> 01:59:25.760 an insurance check up free, no obligation comparison call Compass 2166 01:59:25.800 --> 01:59:29.079 Insurance paying too much your coverage at dozens of insurance 2167 01:59:29.079 --> 01:59:31.560 companies find out now three oh three seven to seven 2168 01:59:31.600 --> 01:59:34.359 to one help. You'll think you're his only customer when 2169 01:59:34.399 --> 01:59:36.880 you choose Frank durand the real estate Man dot com 2170 01:59:36.880 --> 01:59:40.000 to list your home with Remax Alliance three oh three 2171 01:59:40.079 --> 01:59:46.119 nine two zero sixteen twenty two. Hi Tom Martino, your 2172 01:59:46.159 --> 01:59:49.680 Troubleshooter three O three seven to one three talk seven 2173 01:59:50.039 --> 01:59:52.439 one three h two five five. Deputy D is gonna 2174 01:59:52.680 --> 01:59:54.920 try to kick some ass on that one ABO. But 2175 01:59:55.000 --> 01:59:58.079 he saw something on the Sony site for ABO. What 2176 01:59:58.119 --> 01:59:58.720 does it say? 2177 01:59:58.840 --> 02:00:03.079 D uh so right there on the home the landing 2178 02:00:03.159 --> 02:00:05.600 site for this abo. The three thousand dollars abo dog 2179 02:00:06.159 --> 02:00:09.520 Abo is sold as a final sale dash no return, 2180 02:00:09.760 --> 02:00:11.760 So that looks like a really huge red foot. 2181 02:00:11.800 --> 02:00:12.840 Is there anyone warranty? 2182 02:00:12.880 --> 02:00:15.399 Though, Yeah, there's a warranty. I didn't get to that part. 2183 02:00:15.800 --> 02:00:19.600 Okay, so it might be no return, but they certainly 2184 02:00:19.640 --> 02:00:20.720 have to fix a replace. 2185 02:00:20.760 --> 02:00:22.800 It's got to be under warranty. I don't question that. 2186 02:00:22.880 --> 02:00:25.239 But when's the last time he saw a consumer good 2187 02:00:25.760 --> 02:00:29.319 sold by the manufacturer as final sale national return? 2188 02:00:29.920 --> 02:00:33.760 I really haven't. But can you imagine the day? And 2189 02:00:33.800 --> 02:00:36.920 we all know it's coming, folks, we all know it's coming. 2190 02:00:37.159 --> 02:00:39.479 You know what I'm thinking. Do you all know what 2191 02:00:39.479 --> 02:00:42.760 I'm thinking? Instead of a bo it's going to be 2192 02:00:42.800 --> 02:00:50.199 Mabel or Justine or Desiree. You got to give it 2193 02:00:50.239 --> 02:00:55.119 a name, but it will be or Brad. Of course. 2194 02:00:55.159 --> 02:00:59.520 I don't want to leave out anyone. So think about it. 2195 02:01:00.239 --> 02:01:03.800 Think about the day, because you know, you know it 2196 02:01:03.920 --> 02:01:08.039 is coming. As crazy as it may sound, there will 2197 02:01:08.079 --> 02:01:13.319 be ai companions for people that are lifelike or at 2198 02:01:13.439 --> 02:01:15.439 least never I don't want to get into I don't know. 2199 02:01:15.640 --> 02:01:18.319 This is show is a family show. But you know 2200 02:01:18.439 --> 02:01:21.640 what I'm talking. You know I'm talking about We know 2201 02:01:21.920 --> 02:01:24.119 it's going to happen, but when will it happen. When 2202 02:01:24.159 --> 02:01:26.439 will it actually happen? Hey, Keith, you have a question 2203 02:01:26.479 --> 02:01:29.439 about health insurance. Welcome to the show. I'm Tom Martinez. 2204 02:01:29.479 --> 02:01:30.359 What's going on, Keith? 2205 02:01:32.000 --> 02:01:33.720 That's not it's a house insurance. 2206 02:01:33.720 --> 02:01:36.239 We go, oh house, okay, got it, sir. 2207 02:01:37.000 --> 02:01:39.720 Got our new policy. We're supposed to renew this year 2208 02:01:39.720 --> 02:01:43.880 and it went up. It's a mobile hone on its 2209 02:01:43.960 --> 02:01:46.399 some property and we own it, no mortgage. We were 2210 02:01:46.439 --> 02:01:49.279 curious what happens if we just don't pay insurance? 2211 02:01:49.359 --> 02:01:53.239 Just well, first of all, don't ever do that. Don't 2212 02:01:53.279 --> 02:01:58.279 pay you, cancel on purpose, don't let it lapse. Yeah, 2213 02:01:58.439 --> 02:02:02.039 so you in other words, if you cancel, don't let 2214 02:02:02.039 --> 02:02:05.319 it lapse and they cancel you, there's a big difference. Okay, 2215 02:02:05.399 --> 02:02:08.479 it'll affect your credit and everything. Cancel it right now, Yes, 2216 02:02:08.560 --> 02:02:10.720 you would. You would just say I no longer need 2217 02:02:10.720 --> 02:02:15.039 your insurance. Now listen what happens. This is the second 2218 02:02:15.039 --> 02:02:18.720 call we got today, people who are considering not having insurance. 2219 02:02:19.399 --> 02:02:22.880 The other lady already canceled insurance. And because your house 2220 02:02:22.960 --> 02:02:25.279 is paid for, there is no law that says you 2221 02:02:25.359 --> 02:02:30.479 have to have insurance, So nothing would happen. If nothing happens, 2222 02:02:31.479 --> 02:02:34.640 So the biggest fear. The biggest fear I have for you, 2223 02:02:34.760 --> 02:02:38.920 Keith is well, there's a few you lose it and 2224 02:02:38.960 --> 02:02:42.039 you never replace it. But the other one is liability. 2225 02:02:42.600 --> 02:02:46.359 Most insurance. The most important part in my opinion of 2226 02:02:46.439 --> 02:02:51.760 homeowners right now is liability. I could probably literally afford 2227 02:02:51.840 --> 02:02:55.399 to replace my roof if I had to, or replace 2228 02:02:55.600 --> 02:03:00.920 my deck or a window or two. Probably not a 2229 02:03:00.960 --> 02:03:03.880 massive law, not a whole loss. I mean when I 2230 02:03:03.880 --> 02:03:05.359 say a four to two, I mean it wouldn't be 2231 02:03:05.439 --> 02:03:10.239 worth it. It would be outrageously expensive and stupid. But 2232 02:03:10.520 --> 02:03:14.479 most repairs, you know, I could probably but that I 2233 02:03:14.680 --> 02:03:18.800 was still never consider not having insurance because of the liability. 2234 02:03:18.840 --> 02:03:22.600 That's one. And you got to do the math my 2235 02:03:22.680 --> 02:03:25.640 insurance in this house right now? God, I don't even know. 2236 02:03:25.840 --> 02:03:28.520 I don't It might be sixty five hundred and seven 2237 02:03:28.560 --> 02:03:33.760 thousand mis yeah, yeah, so if it's about seven grand 2238 02:03:33.760 --> 02:03:37.359 a year, I mean, you'd have to go for my 2239 02:03:37.600 --> 02:03:41.600 roof maybe I don't know, ten years without a loss 2240 02:03:41.600 --> 02:03:43.600 to have enough money to pay for that and break even. 2241 02:03:43.960 --> 02:03:46.840 I don't even think the math works out ever on 2242 02:03:47.399 --> 02:03:50.000 So have you considered that how much would it cost 2243 02:03:50.079 --> 02:03:51.680 to do an entire roof on your place. 2244 02:03:52.920 --> 02:03:55.560 Well, we have considered it's a metal roof, and it's 2245 02:03:55.800 --> 02:03:58.479 it's really well built, and we're not we're. 2246 02:03:58.319 --> 02:04:01.159 Not wild well most okay thetalo. Then the only reason 2247 02:04:01.159 --> 02:04:03.399 a metal roof has to be replaced usually is for 2248 02:04:03.479 --> 02:04:07.239 cosmetic reasons. Yeah, so what I want to know is this, 2249 02:04:07.479 --> 02:04:09.079 how much is your premium per year? 2250 02:04:10.479 --> 02:04:12.039 The new premium is three grand? 2251 02:04:12.920 --> 02:04:17.880 Oh my god? On a mobile home? Yeah, hold on 2252 02:04:17.920 --> 02:04:19.600 a second, hold on, who's the carrier? 2253 02:04:21.680 --> 02:04:22.560 American Modern? 2254 02:04:23.319 --> 02:04:26.680 Hey? Can we get compass insurance on Kachina? We have time. 2255 02:04:27.119 --> 02:04:28.920 I want to ask them a question about this that 2256 02:04:28.920 --> 02:04:32.199 that sounds outrageous, and hold on teeth. 2257 02:04:32.640 --> 02:04:36.920 The insurance companies have a credit report that they maintain, saying, oh, 2258 02:04:36.960 --> 02:04:38.960 this guy wasn't covered, so now he goes in some 2259 02:04:39.039 --> 02:04:40.279 high risk category for us. 2260 02:04:40.279 --> 02:04:42.079 You're going to be higher risk, but not as high 2261 02:04:42.079 --> 02:04:43.159 as if you let it lapse. 2262 02:04:44.640 --> 02:04:46.720 But they do keep a credit report and it could effect. 2263 02:04:46.720 --> 02:04:49.079 It's called clue. It's called clue. 2264 02:04:49.279 --> 02:04:52.600 Yeah, that thing, I don't know. 2265 02:04:52.680 --> 02:04:56.279 Let's ask what happens if you intentionally cancel, do not 2266 02:04:56.520 --> 02:04:59.199 carry it and then want to get it? Let's ask 2267 02:05:00.119 --> 02:05:03.600 you want a good good property? Oh, yeah. Yeah, Because 2268 02:05:03.600 --> 02:05:06.520 in other words, if you want insurance on a different property. 2269 02:05:06.800 --> 02:05:09.000 Yeah, what is your different to sell? 2270 02:05:09.600 --> 02:05:12.439 What is your different property? Oh you mean if you 2271 02:05:12.520 --> 02:05:13.399 sell this one? 2272 02:05:14.039 --> 02:05:16.239 Yeah, if we sell this one and we have another property. 2273 02:05:16.279 --> 02:05:18.720 All right, let's ask that kitchina. I hope you're working 2274 02:05:18.760 --> 02:05:21.039 on it. Let's get Compass on. I'm Tom Martino. Will 2275 02:05:21.039 --> 02:05:23.640 take this break and come back and try to find 2276 02:05:23.640 --> 02:05:27.239 out some answers for you on this, because it's pretty important. 2277 02:05:27.800 --> 02:05:29.520 Three oh three seven to one, three eight, two five 2278 02:05:29.640 --> 02:05:33.239 five or three oh three Martino. Go with a sure 2279 02:05:33.359 --> 02:05:36.800 thing Denver's best roofer Excel Roofing dot com. You don't 2280 02:05:36.800 --> 02:05:42.840 pay a cent until you're content. Time for an insurance 2281 02:05:42.920 --> 02:05:46.600 check up free, no obligation. In comparison, call Compass Insurance 2282 02:05:46.760 --> 02:05:49.800 paying too much your coverage at dozens of insurance companies 2283 02:05:49.880 --> 02:05:52.479 find out now three oh three seven to seven to one. Help. 2284 02:05:52.640 --> 02:05:55.279 You'll think you're his only customer when you choose Frank 2285 02:05:55.359 --> 02:05:57.800 durand the real estate Man dot com to list your 2286 02:05:57.840 --> 02:06:01.479 home with Remax Alliance oh three nine two zero sixteen 2287 02:06:01.520 --> 02:06:09.119 twenty two. Hi Tom Martino, your troubleshooter three all three 2288 02:06:09.279 --> 02:06:14.479 seven to one, three eight two five five. Now we 2289 02:06:14.560 --> 02:06:17.359 have keith on and I want to get Brian Burns 2290 02:06:17.359 --> 02:06:20.800 from Compass Insurance. The Insurance Healthcenter dot com is where 2291 02:06:20.840 --> 02:06:23.560 they do their free insurance checkups. By the way, if 2292 02:06:23.600 --> 02:06:26.239 you're ever looking for insurance. Three oh three nine nine 2293 02:06:26.319 --> 02:06:28.760 six nine thousand, Brian Burns, I have a quick question 2294 02:06:28.800 --> 02:06:32.079 for you. First and foremost, if I had a trail 2295 02:06:32.119 --> 02:06:34.039 that it was paid off for a cabin or a house, 2296 02:06:34.079 --> 02:06:36.880 and I I just didn't want to pay the outrageous 2297 02:06:36.880 --> 02:06:39.479 insurance anymore, and I decided, you know what, I'm going 2298 02:06:39.520 --> 02:06:42.199 to take my chances, and I just said to the company, 2299 02:06:42.319 --> 02:06:45.039 cancel my policy at the end of the term. And 2300 02:06:45.119 --> 02:06:48.159 I did not have insurance for let's say two years, 2301 02:06:48.159 --> 02:06:50.399 three years, and then I sell it and buy a 2302 02:06:50.439 --> 02:06:52.880 new place, will I be dinged as a high risk 2303 02:06:53.000 --> 02:06:56.279 because of that? If I want to buy insurance then. 2304 02:06:56.239 --> 02:06:58.760 Because you would be in that case, you'd be buying 2305 02:06:58.760 --> 02:07:01.239 a new property. So you know, when they had asked me, 2306 02:07:01.640 --> 02:07:04.000 if the question came up, why don't you have prior insurance, 2307 02:07:04.039 --> 02:07:06.680 I say, because this is a new property. So but 2308 02:07:06.960 --> 02:07:09.600 to your point, if if you didn't insure your house 2309 02:07:09.720 --> 02:07:12.399 and then you came back to ensure it. Again, there 2310 02:07:12.439 --> 02:07:16.159 are companies that will underwrite against that. I'm sure actuarials 2311 02:07:16.159 --> 02:07:19.720 would probably show that that's not as good of a risk. 2312 02:07:20.399 --> 02:07:23.000 I don't know because if I'm just guessing here, but 2313 02:07:23.039 --> 02:07:25.439 I'm thinking that if people are coming back to get insurance, 2314 02:07:25.439 --> 02:07:27.319 it could be because re existing they need to make 2315 02:07:27.359 --> 02:07:29.840 a claim. Yeah. I mean, it's like, oh man, this 2316 02:07:29.920 --> 02:07:31.359 is starting to get old. I want to get a 2317 02:07:31.479 --> 02:07:32.840 you know, get insurance on it. 2318 02:07:32.960 --> 02:07:33.119 Yeah. 2319 02:07:33.199 --> 02:07:34.640 Yeah, yeah, so that I so I can get a 2320 02:07:34.720 --> 02:07:35.319 claim filed. 2321 02:07:35.359 --> 02:07:38.319 So so then I have another question then, and that 2322 02:07:38.560 --> 02:07:42.600 is what about if I don't have insurance? What are 2323 02:07:42.600 --> 02:07:45.359 my risks? Okay, I know I know what they are, 2324 02:07:45.399 --> 02:07:48.039 the obvious ones, But what's the main thing that liability? 2325 02:07:48.079 --> 02:07:52.479 What can happen? He has a he has a mobile home, Keith. 2326 02:07:52.640 --> 02:07:54.680 Is it set up in a park or on private land? 2327 02:07:55.640 --> 02:07:59.439 Private land? How much land by bakers? 2328 02:08:00.640 --> 02:08:03.399 How big is the motor home? Or excuse me, the mobile. 2329 02:08:03.079 --> 02:08:05.359 Home fifteen hundred square feet? 2330 02:08:06.399 --> 02:08:10.880 Fifteen? Is it in two halves? In halves or it's 2331 02:08:10.880 --> 02:08:13.199 a double wide and it's skirted or is it on 2332 02:08:13.239 --> 02:08:13.760 a foundation? 2333 02:08:14.840 --> 02:08:15.319 Skirted? 2334 02:08:16.760 --> 02:08:18.760 Is it on a foundation? No? 2335 02:08:18.760 --> 02:08:19.199 No? 2336 02:08:19.640 --> 02:08:23.880 Okay? So Brian that. Do you know they want four 2337 02:08:23.920 --> 02:08:24.960 grand to ensure that. 2338 02:08:26.279 --> 02:08:28.800 Yeah, I don't blame it three grand. I'm sorry to 2339 02:08:28.840 --> 02:08:29.119 do it. 2340 02:08:30.039 --> 02:08:30.680 Yeah, yeah, I. 2341 02:08:30.680 --> 02:08:32.800 Mean, what is the whole thing worth, Keith? What is 2342 02:08:32.840 --> 02:08:35.359 that whole property? I don't mean like real estate wise, 2343 02:08:35.439 --> 02:08:38.800 that trailer or that double wide? What is it worth? 2344 02:08:39.880 --> 02:08:41.880 It's a ninety four? I bet I could get three 2345 02:08:42.079 --> 02:08:43.680 thirty thousand cash for it. 2346 02:08:43.720 --> 02:08:47.359 Maybe, No, you wouldn't for that double winde. Not with 2347 02:08:47.479 --> 02:08:47.920 the lot. 2348 02:08:49.560 --> 02:08:50.880 No, I'm not with the lot. 2349 02:08:51.680 --> 02:08:54.479 No, I'm not talking about the lot. You're somebody that 2350 02:08:54.520 --> 02:08:56.319 would come in and haul that away, would pay you 2351 02:08:56.399 --> 02:08:57.079 thirty grand? 2352 02:08:58.399 --> 02:09:00.279 Maybe? Yeah, it's in pretty good shape. I think they 2353 02:09:00.319 --> 02:09:01.600 would pay thirty grand for it. 2354 02:09:02.399 --> 02:09:07.640 Yeah, jeez, I don't know. Maybe anyway, what do you 2355 02:09:07.720 --> 02:09:10.199 think three thousand dollars? 2356 02:09:11.279 --> 02:09:13.239 Yeah, I mean, I don't blame them at all. I mean, 2357 02:09:13.279 --> 02:09:15.039 he gets to a point where you're like this, this 2358 02:09:15.119 --> 02:09:15.840 isn't worth it. 2359 02:09:15.920 --> 02:09:19.399 The insurance is I'll take my I'll take my chances. 2360 02:09:19.439 --> 02:09:22.920 He'll still have the land. How much is the land worth? 2361 02:09:24.239 --> 02:09:26.039 That's got to be worth a couple hundred thousand. 2362 02:09:26.479 --> 02:09:29.680 Okay, So then I think I have an answer, except 2363 02:09:29.960 --> 02:09:33.359 what about liability Brian, I have another question. Can I 2364 02:09:33.399 --> 02:09:35.600 buy just liability? Can I buy. 2365 02:09:35.520 --> 02:09:38.359 Just just I just did this for somebody else that 2366 02:09:38.439 --> 02:09:40.520 decided they wanted to self insure their house. They owned 2367 02:09:40.560 --> 02:09:43.199 it out right, didn't want to insure it anymore, but 2368 02:09:43.319 --> 02:09:48.039 wanted liability, and you can get comprehensive personal liability. I 2369 02:09:48.119 --> 02:09:50.079 was able to find it. It was about eight hundred 2370 02:09:50.079 --> 02:09:51.399 bucks a year, though, so. 2371 02:09:52.000 --> 02:09:56.960 That's just no key. Liability is important if somebody gets 2372 02:09:57.000 --> 02:09:59.039 hurt on your land, or somebody gets hurt in your 2373 02:09:59.079 --> 02:10:01.479 house or something. I know you think, well, I'm not 2374 02:10:01.479 --> 02:10:03.880 gonna have anybody. You know, somebody could be hiking and 2375 02:10:03.920 --> 02:10:06.920 say you had an attractive nuisance or I don't. 2376 02:10:06.640 --> 02:10:10.399 Know, Brian, No liability follows you too. It doesn't have 2377 02:10:10.439 --> 02:10:12.560 to be on your land. It's not premise liability. This 2378 02:10:12.720 --> 02:10:16.439 is personal liability. So if something happens away from the land, 2379 02:10:16.479 --> 02:10:18.319 Let's say you had a dog and it bit somebody 2380 02:10:18.720 --> 02:10:21.199 and while you're walking around, I mean any that's just 2381 02:10:21.239 --> 02:10:25.000 an example, but anything like that would be personal liability. 2382 02:10:25.399 --> 02:10:27.880 What was the limit on that? For the eight hundred 2383 02:10:27.880 --> 02:10:28.159 a year? 2384 02:10:28.439 --> 02:10:28.960 A million? 2385 02:10:29.920 --> 02:10:34.039 Wow, Keith, I think you found a solution. 2386 02:10:34.960 --> 02:10:36.359 Yeah, I'm sold. I'll give him a call. 2387 02:10:37.319 --> 02:10:40.640 Yep, okay three oh three nine nine six nine thousand. 2388 02:10:41.159 --> 02:10:44.159 Three oh three nine nine six nine thousand. Right after 2389 02:10:44.199 --> 02:10:47.920 this more coming up, go with a sure thing Denver's 2390 02:10:47.960 --> 02:10:50.840 Best roofer Excel Roofing dot com. You don't pay a 2391 02:10:50.920 --> 02:10:57.399 cent until you're content. Time for an insurance checkup free, 2392 02:10:57.479 --> 02:11:00.960 no obligation in comparison, call Compass in insurance paying too 2393 02:11:01.000 --> 02:11:04.079 much your coverage at dozens of insurance companies. Find out 2394 02:11:04.119 --> 02:11:05.880 now three O three seven to seven to one. 2395 02:11:05.960 --> 02:11:06.239 Help. 2396 02:11:06.399 --> 02:11:09.039 You'll think you're his only customer when you choose Frank 2397 02:11:09.119 --> 02:11:11.560 durand the real estate Man dot com to list your 2398 02:11:11.600 --> 02:11:15.239 home with Remax Alliance three three nine two zero sixteen 2399 02:11:15.279 --> 02:11:21.119 twenty two. Hi Tom Martino, your troubleshooter. You have a 2400 02:11:21.199 --> 02:11:24.039 question on furnace. Go ahead, Carlos, what's your question? 2401 02:11:25.439 --> 02:11:26.760 Hey, Hey Tom? How are you? 2402 02:11:26.800 --> 02:11:28.520 Hey? Good man? What's going on? 2403 02:11:30.439 --> 02:11:32.239 You know I've been told that it's time to replace 2404 02:11:32.239 --> 02:11:35.359 our furnace. We've got a twenty year old Lennox in 2405 02:11:35.399 --> 02:11:38.039 the house, and last time we had to check out, 2406 02:11:38.079 --> 02:11:40.880 they found some cracks in the heat exchanger. I'm just 2407 02:11:40.920 --> 02:11:42.079 wondering if you guys. 2408 02:11:41.960 --> 02:11:44.479 Well, if you truly have tracks in it. If you 2409 02:11:44.520 --> 02:11:46.800 truly have cracks in it. Many people say that and lie, 2410 02:11:46.840 --> 02:11:49.680 but b B, but you probably should replace it anyway, 2411 02:11:49.680 --> 02:11:51.279 you'd save money on a twenty year old if you're 2412 02:11:51.279 --> 02:11:53.560 going to be in the house a while. How big 2413 02:11:53.600 --> 02:11:54.920 and how old is your house? 2414 02:11:57.319 --> 02:12:00.359 It's the original furnace from two thousand. 2415 02:12:01.119 --> 02:12:05.399 Okay, so your house was built in two thousand and three, correct, 2416 02:12:06.000 --> 02:12:12.039 So it's pretty decently insulated. Yeah, then a high efficiency 2417 02:12:12.079 --> 02:12:13.399 would save you a ton of money. 2418 02:12:14.720 --> 02:12:17.079 Yeah, that's that's kind of what we have in there now. 2419 02:12:18.920 --> 02:12:22.760 Well, the high efficiencies now are one hundred times better 2420 02:12:22.800 --> 02:12:23.520 than they used to be. 2421 02:12:24.640 --> 02:12:26.039 Oh, I'm sure they are. 2422 02:12:26.399 --> 02:12:29.039 So what is your question? What is your question, Carlos? 2423 02:12:30.159 --> 02:12:33.239 And do any of your recommended places have any kind 2424 02:12:33.239 --> 02:12:34.840 of screaming deals or anything like that? 2425 02:12:34.960 --> 02:12:38.079 Yeah, well, okay that they're all running certain deals, but 2426 02:12:38.119 --> 02:12:40.520 you got to ask them now. I know Plumbline says 2427 02:12:40.520 --> 02:12:43.439 if you buy it, they'll throw in that you'll get 2428 02:12:43.439 --> 02:12:45.920 a free furnace if you install the AC part of it. 2429 02:12:46.159 --> 02:12:46.800 Do you have AC? 2430 02:12:47.319 --> 02:12:49.520 Okay, do you have AC? C? 2431 02:12:50.640 --> 02:12:52.720 Yes, I do have AC and it's relatively new. 2432 02:12:53.239 --> 02:12:57.119 Then you don't need that, so that but you still okay, 2433 02:12:57.399 --> 02:12:59.720 then fix It twenty four to seven is always running 2434 02:12:59.720 --> 02:13:05.640 certain specials. But if you call and talk to them, 2435 02:13:06.079 --> 02:13:09.880 tell them that Tom told me that you would. I'm serious. 2436 02:13:09.920 --> 02:13:13.680 Now Tom told me today. Check with him that you 2437 02:13:13.720 --> 02:13:16.560 would give me a very special deal because I called in. 2438 02:13:17.000 --> 02:13:19.239 I have a twenty year old unit and I really 2439 02:13:19.279 --> 02:13:23.760 need it. All right, then then call eight eight eight 2440 02:13:23.800 --> 02:13:25.079 Heating dot com as well. 2441 02:13:26.479 --> 02:13:27.960 Okay, they're all. 2442 02:13:27.800 --> 02:13:30.000 Good people, Carlos. Would you do me a favor and 2443 02:13:30.079 --> 02:13:31.680 let me know what you do? 2444 02:13:32.399 --> 02:13:33.600 Yeah, yeah, thank you. 2445 02:13:34.159 --> 02:13:36.960 I appreciate that. Thank you very much. Okay, and discount 2446 02:13:37.000 --> 02:13:39.520 bat dot com. Remember discount bat dot com when they're 2447 02:13:39.560 --> 02:13:42.800 not here seven to zero nine seven nine, twenty three, 2448 02:13:43.000 --> 02:13:44.920 twenty two. Are you going to do any specials for 2449 02:13:45.119 --> 02:13:47.600 today only or for today and tomorrow for the rest 2450 02:13:47.600 --> 02:13:49.319 of the week. You want to do anything or not, 2451 02:13:49.359 --> 02:13:50.039 It's up to you. 2452 02:13:50.680 --> 02:13:52.319 Yeah. I hadn't thought about what we could do. 2453 02:13:52.439 --> 02:13:54.239 Well, let's think of it right now. If they go 2454 02:13:54.319 --> 02:13:56.760 to discount bat dot com they upload they mentioned the show, 2455 02:13:56.800 --> 02:13:59.119 what can you do for them today and tomorrow? If 2456 02:13:59.119 --> 02:14:00.880 they call in today at or go to. 2457 02:14:00.840 --> 02:14:05.439 The website free LVP floor in a hall bathroom if 2458 02:14:05.439 --> 02:14:05.800 they do. 2459 02:14:05.840 --> 02:14:08.560 The shower Okay, So they do the shower conversion, they 2460 02:14:08.600 --> 02:14:11.479 get a free floor. Ye, luxury vinyl planking. 2461 02:14:11.479 --> 02:14:11.800 Correct. 2462 02:14:11.840 --> 02:14:14.640 Oh, that's cool. People do the shower conversion nine eight 2463 02:14:14.680 --> 02:14:17.920 eighty eight, you get the free floor. Okay. Discount bath 2464 02:14:17.960 --> 02:14:20.600 dot com or seventy zero nine seven nine twenty three, 2465 02:14:20.720 --> 02:14:26.199 twenty two. Pat Jolliffe with my company Wave eight Wealth Management, 2466 02:14:26.520 --> 02:14:30.159 our question here is minimum to invest. We hear this 2467 02:14:30.239 --> 02:14:30.520 a lot. 2468 02:14:30.560 --> 02:14:30.800 Pat. 2469 02:14:31.720 --> 02:14:33.560 It makes me nervous when people ask that because and 2470 02:14:33.800 --> 02:14:36.800 by the way we are when it comes to investing, 2471 02:14:37.800 --> 02:14:41.000 your money is with ours. Okay, so and we're not middlemen, 2472 02:14:41.159 --> 02:14:43.000 and people want me to explain that, and I don't 2473 02:14:43.039 --> 02:14:45.399 have a lot of time. But middlemen means we don't 2474 02:14:45.439 --> 02:14:49.640 place your portfolio with other advisors and then make a 2475 02:14:49.680 --> 02:14:53.319 fee in between, a middleman fee. So there's that's ninety 2476 02:14:53.359 --> 02:14:55.600 eight percent of the model. When people say they're a 2477 02:14:55.640 --> 02:14:58.920 financial advisor, they're not. They take your money and they 2478 02:14:59.039 --> 02:15:01.039 might even do a good job. I'm not saying they don't, 2479 02:15:01.119 --> 02:15:03.840 but they place it with a bigger advisor. That's not 2480 02:15:03.960 --> 02:15:06.239 ideal for a lot of people. And you also want 2481 02:15:06.239 --> 02:15:07.720 to know people have skin in the game, and a 2482 02:15:07.760 --> 02:15:09.880 lot of times their own money is not even invested. 2483 02:15:10.239 --> 02:15:12.720 Our money is one hundred percent invested in this company, 2484 02:15:12.960 --> 02:15:16.439 our investable funds and right along with yours and no middleman. 2485 02:15:17.000 --> 02:15:18.920 Now here's what I want to know. When people ask 2486 02:15:19.000 --> 02:15:21.520 minimum amount, that makes me nervous. Do you know why? 2487 02:15:21.640 --> 02:15:23.840 Because it sounds like maybe they don't have money? And 2488 02:15:24.079 --> 02:15:26.640 don't you think people need an emergency fund before they 2489 02:15:26.680 --> 02:15:29.960 even think about investing? Okay, I mean, so what would 2490 02:15:30.000 --> 02:15:31.520 you say would be an emergency fund? 2491 02:15:31.560 --> 02:15:33.000 Six months worth of expenses? 2492 02:15:33.199 --> 02:15:37.239 Probably? Yeah? And then what else? Out of debt? High 2493 02:15:37.319 --> 02:15:40.319 interest debt. If you have high interest debt, don't don't 2494 02:15:40.359 --> 02:15:43.239 invest because that that's taken away from your return. 2495 02:15:43.319 --> 02:15:45.319 To pay off a fifteen percent credit card, it's the 2496 02:15:45.359 --> 02:15:46.720 same thing as earning fifteen percent. 2497 02:15:46.800 --> 02:15:49.119 That's exactly right. So high interest debt get rid of, 2498 02:15:49.600 --> 02:15:52.840 and then of course, have some emergency funds before you 2499 02:15:52.880 --> 02:15:56.359 even think about it. I'm Tom Martino and you can 2500 02:15:56.479 --> 02:15:58.960 reach us at three h three seven seveny one. 2501 02:15:59.000 --> 02:15:59.239 Help