Speaker 1: Yea ripped up.
Speaker 2: Dead by so you don't have.
Speaker 3: Come running just as fast as the can Shooter's gonna
Speaker 3: help come, Man Dix.
Speaker 4: Is the Troubleshooter Show now, Tom Martine, Hey, hey.
Speaker 2: Hey, Tom Martino. Here, My goodness, gracious, I have a
Speaker 2: studio full of people here, plus deputy Doc back at
Speaker 2: the flagship. So welcome to the show. Three oh three
Speaker 2: seven one three talk seven one three eight two five five.
Speaker 2: If you happen to be streaming the show, we are.
Speaker 2: I think we're live right now. Yeah, okay, on the
Speaker 2: YouTube and we have as you can see a bunch
Speaker 2: of people here and welcome people, Welcome, welcome one and all. Uh,
Speaker 2: let me explain we got uh, let me turn on
Speaker 2: the mics here. So Chris is from let me turn
Speaker 2: that off here. Chris is from Discount Bath and thanks
Speaker 2: Chris for being here. Always a pre you being here
Speaker 2: discount bath dot com. I hope people are utilizing that
Speaker 2: link that you have in order to uh, in order
Speaker 2: to upload videos they are. Is it working? Yeah, it's
Speaker 2: working great, Okay, explain so you can price something, by
Speaker 2: the way, without going there looking at the video. I mean,
Speaker 2: there's no magic any more. To home improvements. I mean,
Speaker 2: there might be a few alterations here or there, but
Speaker 2: mainly if they give you a video from the cell
Speaker 2: phone of a hall room bath or a master bath
Speaker 2: or roughed in area in the basement where the pipes
Speaker 2: are and stuff, you can pretty much know what it needs.
Speaker 5: Yeah, for the most part. The bigger master baths can
Speaker 5: get complicated, especially when we're moving walls.
Speaker 2: But yeah, but you might want to call them, but
Speaker 2: most of them you can give them an idea.
Speaker 5: Yeah, we can give them an idea, and often with
Speaker 5: just a quick conversation or a video, we can get
Speaker 5: them a number.
Speaker 2: Now, people call us at anytime twenty four to seven,
Speaker 2: three oh three Martino, and we'll get right back to
Speaker 2: or you can call when we're on the our three
Speaker 2: o three seven to one to three seven one three
Speaker 2: eight two five five. And I have other guests with me.
Speaker 2: I have Deputy D with me. Of course, he's here,
Speaker 2: and then Deputy Bo, Deputy Bow's here, and then Doc's
Speaker 2: back at the studio, I believe. So that's good because
Speaker 2: I couldn't fit one more person here if I had
Speaker 2: to three oh three seven one three talk. I'm gonna
Speaker 2: go to the phones, right now I'm going to talk
Speaker 2: to deb Debbie wants to talk about social Security. Hi, Debbie,
Speaker 2: what's going on with you?
Speaker 6: We're getting a little static. Well, the quick version, as
Speaker 6: quick as possible. Four years ago, I went to Social
Speaker 6: Security and applied for the wife's benefits.
Speaker 2: Okay, so hold on, so how old are you?
Speaker 6: Oh? God, seventy?
Speaker 2: Okay, So you went to apply for wives benefits because
Speaker 2: your husband died.
Speaker 6: No, you can get it if you've been married ten years.
Speaker 2: Oh that's right. No, that that's right. That's right. If
Speaker 2: you were married ten years to someone and you're an
Speaker 2: ex wife, you can get up to the spouse benefit.
Speaker 2: That's right.
Speaker 6: Yeah, I guess that's what it's called. Anyway, I have
Speaker 6: the equivalent of PARA. Okay, so basically I don't have
Speaker 6: any of my own Social Security. Okay, it's and I
Speaker 6: get benefits from PARA and then the Alaska state all
Speaker 6: right away. Four years ago, I went in and I applied,
Speaker 6: sat in the little back room and the guy did
Speaker 6: all the paperwork. And I do not remember if he
Speaker 6: didn't ask or they didn't have it, I don't know,
Speaker 6: but they didn't have my pensions from Alaska because I
Speaker 6: worked up there for a long time.
Speaker 2: Now, Now, when you say Alaska, was that the para
Speaker 2: you're talking about? Or is that in addition.
Speaker 6: To para, it's the equivalent of a para of Paris.
Speaker 2: Okay, So it's not para, it's just did you work
Speaker 2: in the Alaskan school system?
Speaker 6: Yes?
Speaker 2: I did?
Speaker 6: Okay anyway, Okay, So anyway, that information did not get
Speaker 6: into my application four years ago. Okay, there, so.
Speaker 2: Where were they? Okay, keep going then, go ahead anyway,
Speaker 2: So a.
Speaker 6: Couple of months ago I get a actual bill from
Speaker 6: Medicare okay, And then the beginning of this month, I
Speaker 6: get a note saying that I owe the Social Security
Speaker 6: folks twenty seven thousand dollars because of they paid me.
Speaker 6: What's double dipping or something like that. I got paid
Speaker 6: that little bit of Social Security and my pension from Alaska.
Speaker 2: Okay, Well, okay, how much were you getting from Social Security?
Speaker 6: Oh? I write a verse four hundred and something at
Speaker 6: the end five hundred and a little bit over.
Speaker 2: You're not and that was about That was about okay.
Speaker 2: But it is possible to receive But here's the problem.
Speaker 2: It is possible to receive spousal benefits from Social Security
Speaker 2: even if you are on PARA not as long as
Speaker 2: they offset it, it reduced. Hold on, let me explain this.
Speaker 2: They may I'm reading this now because I just looked up.
Speaker 2: They may reduce the spousal or survival benefit, but you
Speaker 2: could receive both. The way they apply the formula, if
Speaker 2: you receive a pension from Alaska or PARA or anything
Speaker 2: like that, based on the work you did and did
Speaker 2: not pay Social Security at the time, it reduces your
Speaker 2: Social Security spousal benefit by two thirds of the pension amount.
Speaker 2: So they would take two thirds of your pension, subtract
Speaker 2: it from your spousal benefit, and then they multiplied it
Speaker 2: by forty eight months. Is that what they did to
Speaker 2: get what you owe?
Speaker 6: I don't know about the forty eight months.
Speaker 2: You said four years you've been getting spousal benefits.
Speaker 3: Right, yes, yes, okay, you're going.
Speaker 2: To what they did. They're going to take your spousal
Speaker 2: benefits that you've gotten and they're going to reduce it
Speaker 2: by two thirds of the pair you've gotten for that
Speaker 2: period exactly. And that's what you're going to owe. And
Speaker 2: how much do they say you're going to owe?
Speaker 6: Twenty six dollars?
Speaker 2: Okay, now, here is the bad news I owe and no, no,
Speaker 2: because why bother lying to you? Right that the bad
Speaker 2: news is this? And you brought it up so I
Speaker 2: know what's on your mind. I know what's on your mind,
Speaker 2: and it should be because everyone thinks this way. You said,
Speaker 2: I applied for spousal benefits four years ago and they
Speaker 2: did not pick up on my pension that I had,
Speaker 2: even though I told them, and now I owe this money.
Speaker 2: The fact that they did not pick up on it
Speaker 2: actually what the courts and the government look at this
Speaker 2: as is not as if you were harmed. They actually say,
Speaker 2: wait a minute, you had free use of this money
Speaker 2: for four years that you shouldn't have had to begin with.
Speaker 2: You're looking at it as a debt that you shouldn't have.
Speaker 2: But let me ask you straight up, do you believe
Speaker 2: And I understand, by the way, I'm not some kind
Speaker 2: of ultra rich guy that says, wait a minute, you know,
Speaker 2: just give them money back. I mean, I realize when
Speaker 2: we get money, we spend it, and we spend accordingly,
Speaker 2: and we make a budget accordingly. But is your contention
Speaker 2: the fact that they did not pick up on this
Speaker 2: pension from Alaska is that they should discount it at
Speaker 2: this point and you should keep that money.
Speaker 6: I look at as they didn't pick up where the
Speaker 6: guy wasn't doing.
Speaker 2: It here, So it was their mistake. They should eat it.
Speaker 2: Is that what you're saying. It's their mistake, they should
Speaker 2: eat it. Yes, the government, the irs pensions. No one
Speaker 2: looks at it. No one looks at it that way.
Speaker 2: In fact, they look at it just the opposite. What
Speaker 2: they say is had they caught it, you would have
Speaker 2: been getting that much less for those many years you've
Speaker 2: gotten free use of that money. That's how they look
Speaker 2: at it. So it's just the opposite of what you're
Speaker 2: looking at. You know, this brings up a color TV.
Speaker 2: I want to tell you about a color TV, my
Speaker 2: first color TV. I was a young guy working in
Speaker 2: TV and radio years and years and years ago, and
Speaker 2: I bought a TV from Sears on my charge card
Speaker 2: and it was back then. A color TV back then
Speaker 2: was very expensive, three hundred dollars and that was a
Speaker 2: big expenditure for me. There's a reason I'm telling you this, Debbie,
Speaker 2: And so I get they forgot to put it when
Speaker 2: I used my charge card. I didn't show up on
Speaker 2: my bill for a year and a half or two years.
Speaker 2: And I was devastated because I was paying all my bills.
Speaker 2: And I thought, wait a minute, it was like a
Speaker 2: new bill, even though it was an old bill. And
Speaker 2: it is, and I learned a lesson. I said, well,
Speaker 2: wait a minute, your mistake. You didn't build me. Well,
Speaker 2: I should not have to owe this. I mean, and
Speaker 2: I know what you're saying, but you do owe it.
Speaker 2: Now I want to know, is are they willing to
Speaker 2: reduce social Security a bit over many many months in
Speaker 2: order to let you.
Speaker 6: Pay I can do that.
Speaker 2: Yes, that's okay. In other words, here's what the general rule.
Speaker 2: Here's what the general rule usually is in a court
Speaker 2: of equity, usually, I say, or with electric bills, where
Speaker 2: you've underpaid electric bills or utility bills. The general rule is,
Speaker 2: however long it took them to discover it is, how
Speaker 2: long you get to pay it?
Speaker 6: Okay, they don't tell you that, but yeah.
Speaker 2: That Well, it's not a law. It's more or less
Speaker 2: what a Solomon philosophy and what a judge might do
Speaker 2: if ever it went to court. So what are they
Speaker 2: proposing that you? How are they proposing you pay it?
Speaker 6: I pay it back within thirty days. Oh come on,
Speaker 6: I can't. No, that's what it says. Yeah, sure, or
Speaker 6: I can make payments and I can put it on
Speaker 6: my credit card.
Speaker 2: What are the payments are they proposing? If you made them,
Speaker 2: will they reduce your socials series? Did they take away
Speaker 2: your spousal benefit completely right now?
Speaker 6: Yes? Yes, And the reason was is because that little
Speaker 6: math problem math situation you're talking about. I'm making more
Speaker 6: than the two third number or whatever I know. Yeah,
Speaker 6: any way, and I started getting bills for my Part B.
Speaker 6: Yeah anyways.
Speaker 2: Well, you're always going to have to pay hold on.
Speaker 2: You will always have to pay for Part B, whether
Speaker 2: or not. It doesn't matter if you had power or
Speaker 2: not that you would always You were never billed for
Speaker 2: Part B.
Speaker 6: I was taken out of at first.
Speaker 2: Oh I get it, I get it. It was taken out
Speaker 2: of the Listen. Here's the bottom line. Can you propose
Speaker 2: to them that you get your benefit as usual, not
Speaker 2: as usual, the new benefit amount, and then you'll make
Speaker 2: monthly payments to them instead of taking away all of
Speaker 2: your spousal benefits, correct the amount the way it should
Speaker 2: have been for the last four years, and then let
Speaker 2: you just make separate payments.
Speaker 6: I don't know, because actually I would be getting nothings.
Speaker 2: Well wait a minute, are your spousal benefits so low
Speaker 2: that if you subtract two thirds of your pension it's nothing.
Speaker 6: The spousal benefits? Yes, correct, okay, literally the max.
Speaker 2: Yeah, Debbie, that that means one of two things. I'm serious,
Speaker 2: You're not going to get it, or you should have
Speaker 2: been married to a richer man. I don't know what
Speaker 2: to say. I mean, this is terrible. Yeah, no, Debbie,
Speaker 2: this is terrible. But there's really no way around it. Okay.
Speaker 2: I took a long journey to let you know there's
Speaker 2: no way around it. And let me tell you why.
Speaker 2: You need to know this, and everyone needs to know this.
Speaker 2: If the government makes a mistake and you get overpaid,
Speaker 2: you're screwed. You got to pay it back. So if
Speaker 2: you ever think, oh, I'm getting this money, I'm gonna
Speaker 2: get away with it, you won't. Eventually it catches up
Speaker 2: to you. And I don't think that was on your mind, Debbie.
Speaker 2: But you were double dipping according to them.
Speaker 6: Yes, that I understand.
Speaker 2: So now not only do you have to make payments now,
Speaker 2: not only do you have to make payments on the
Speaker 2: twenty six to nine. But you also have to make
Speaker 2: payments for Part B and on top of that, you
Speaker 2: lose your spousal benefit.
Speaker 7: Yes, correct, so you are.
Speaker 2: Truly in the hole. What are you going to do
Speaker 2: about it? I'm serious, what are you going to do
Speaker 2: about it?
Speaker 6: Oh? The lady at Social Security said, I could play
Speaker 6: for a waiver and with the form. But wait, wait, wait,
Speaker 6: wait on man, Uh, there's ways to figure out what
Speaker 6: my house is paid for. I live off grids, so
Speaker 6: I don't have any electricity bill. My cars are paid for.
Speaker 6: I dropped my house insurance because it was extreme. I
Speaker 6: live mountains.
Speaker 2: You wait, wait, you dropped your house insurance because it's
Speaker 2: paid for? Okay, listen, I know. No. So you have
Speaker 2: a you have a low standard of living. You're not
Speaker 2: You're not endearing yourself to people right now though you're not.
Speaker 2: You're like they're saying, well, okay, you can afford it.
Speaker 2: Then I got to take a break, Debbie, Debbie, apply
Speaker 2: for a waiver somehow. I mean, I'm serious. I I
Speaker 2: don't know what to tell you, man, I just don't
Speaker 2: know what to tell you. This is terrible. If people
Speaker 2: have suggestions, let me know, morons text me. Everyone can
Speaker 2: text me or message me I mean and the text
Speaker 2: is five seven seven three nine is the iHeart short
Speaker 2: code five seven seven three nine, Or you can text
Speaker 2: me on my private Google number seven four seven nine
Speaker 2: nine nine fifty two eighty. I'm Tom Martino. Don't forget
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Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino here three three seven, won three talks seven
Speaker 2: to one three eight two five five. Welcome one and all.
Speaker 2: We are talking about your problems, question complaints, and I
Speaker 2: want to take Steve as a comment on Debbie's issue. Now,
Speaker 2: Debbie was overpaid for four years on Social Security because
Speaker 2: she also had PARA. They didn't take into consideration and
Speaker 2: basically now has to pay it back plus lost their
Speaker 2: spousal benefits. What do you think, Steve?
Speaker 8: A year ago, Tom, I retired on a ridd in
Speaker 8: twenty sixteen. I retired from the Boulder Valley School District
Speaker 8: with a pair of pension. Prior to that, I was
Speaker 8: receiving Social Security a meager amount under five hundred dollars.
Speaker 8: I forget to mention to them when I retired that
Speaker 8: to Social when I retired that I had a pair
Speaker 8: of pension. So seven years after they began paying me,
Speaker 8: I got a letter in the mail stating that I
Speaker 8: owed them sixteen, three hundred and fifty dollars. I went
Speaker 8: down to the office in Lewisville and I spent about
Speaker 8: three days down there talking to those folks with my
Speaker 8: CPA to determine whether or not it was valid, and
Speaker 8: they we determined it was valid. It was my mistake
Speaker 8: for which I'm kicking myself in the butt still, and
Speaker 8: I asked them if they would make a payment plan
Speaker 8: for me, and they said the best we can do
Speaker 8: is nearly seven hundred dollars a month until it's paid off. Well,
Speaker 8: I simply couldn't afford that, So what I had to
Speaker 8: do is wipe out my meager savings account and pay
Speaker 8: them in total. My issue is not necessarily with Social Security,
Speaker 8: but with the rule that states that money you made
Speaker 8: over a lifetime is not going to be paid you.
Speaker 8: And that is my argument with Social Secure.
Speaker 2: Now, wait a minute, what are you talking about. You
Speaker 2: didn't pay into it though, if you had para.
Speaker 8: No, but I paid into it prior to that, in
Speaker 8: my life prior.
Speaker 2: Oh okay, okay, but you can okay, if you paid,
Speaker 2: if you paid into both, they simply offset it you still.
Speaker 2: But but if it turns out that you didn't pay enough,
Speaker 2: you're right, you don't get it back, You're right?
Speaker 8: Yeah, Well I don't my understanding, and I'm not sure
Speaker 8: whether this is correct or not. Is that not every
Speaker 8: state has this same rule?
Speaker 2: No, they all do. No, No, that's a social security
Speaker 2: it's a social security rule. Bro, it's not. It's not
Speaker 2: a state rule. Okay, it's a social security rule. You
Speaker 2: don't double dip if you have see and it really
Speaker 2: isn't so much about double dippy. Well it is, But
Speaker 2: the main principle here is that you for the time
Speaker 2: you had PARA, you did at the time you're paying
Speaker 2: into PARA, you were not paying into Social Security. Now,
Speaker 2: the way I think is your work is not like that.
Speaker 2: I don't think there should be a pair. I think
Speaker 2: you showed social Security. I mean, I don't even understand
Speaker 2: why they have a separate system. It just doesn't make
Speaker 2: sense to me. Three out three seven one three talk
Speaker 2: seven one three eight two five five. Brenda, what's going
Speaker 2: on with you? Brenda? Now? Hold on, we had I
Speaker 2: bet did you call in last week? Brenda?
Speaker 9: Yes, I did. I have a small claims court for
Speaker 9: trouble damages for an apartment move out.
Speaker 2: Now that was when I'm trying to find the actual case.
Speaker 2: Uh this, let's see, it was I don't have when
Speaker 2: you called in? Did you use the name Brenda.
Speaker 9: Yeah, Mark might have taken and it might have been.
Speaker 9: It might have been last week, it might have been
Speaker 9: the week before, because it was yesterday.
Speaker 2: Okay, so you had a mediation because they did not
Speaker 2: send you in time. The information was that the case
Speaker 2: on your security deposit. Yes, you remember that day, you
Speaker 2: remember that case. No, you were shaken.
Speaker 10: I'm working a different case.
Speaker 2: Okay, the different one. Okay, So what happened? Uh? Oh yeah, okay,
Speaker 2: go ahead, I'm listening.
Speaker 9: Basically, the question I have of mediation was I put
Speaker 9: US Postal Service forwarding on my mail two weeks before
Speaker 9: I moved. They said that they sent a letter to
Speaker 9: me a week after I moved out that happened.
Speaker 2: Where did they send it? They sent it to the
Speaker 2: old address, right.
Speaker 9: Old address, and it should have gone through the Postal
Speaker 9: Service with my mail forwarding, which I was receiving mail
Speaker 9: before that, right to other people like Excel. But they're
Speaker 9: saying they sent it out and it was returned to
Speaker 9: the sender to them, so they knew. I they knew.
Speaker 2: Oh wait a minute, Why why did I don't get this?
Speaker 2: Why didn't the post Office forward it?
Speaker 9: I don't know, because I do have one from Excel
Speaker 9: Energy that was forwarded two weeks before that with no
Speaker 9: problem from the old address to the new address.
Speaker 2: But they're not. You don't think they're dying about getting
Speaker 2: it back.
Speaker 3: Do you? Yes? I do.
Speaker 9: But even if my question is, even if they got
Speaker 9: it back, they knew I didn't get it, and they
Speaker 9: had my phone number and my email, there's no responsibility
Speaker 9: to them.
Speaker 2: Nope, nope, they just have to mail it. There's no
Speaker 2: mistake it. They don't have no they I'm giving you
Speaker 2: the answer. They don't have to chase you down. They
Speaker 2: don't have What did mediation say.
Speaker 9: Well, they basically said that Number one, they're all wrong
Speaker 9: with the trouble damages thing. They're saying that we would
Speaker 9: have had to file a court case seven days from
Speaker 9: move out date, saying that we were going to file
Speaker 9: take them to court.
Speaker 2: Well, of course you in seven damages because you can't
Speaker 2: do it within seven days, you have to do it
Speaker 2: after sixty days.
Speaker 9: Right, So that was wrong first and then and then
Speaker 9: they basically went through this, Well, we mailed it out
Speaker 9: and we got it back, so we never you know,
Speaker 9: we never said so did the mediation.
Speaker 2: Did the mediator basically tell you you're not going to
Speaker 2: get treble damages.
Speaker 1: No.
Speaker 9: Basically we even told them we don't want any damages zero.
Speaker 9: We just want you to remove their derogatory comments off
Speaker 9: of our rental history.
Speaker 2: And what was the derogatory comments about about you owing money.
Speaker 11: Then move out?
Speaker 9: Cost can know them money?
Speaker 2: Okay, here's what I need to know. Did you did
Speaker 2: you end up having to pay them or did they
Speaker 2: call it even or what what was the result of
Speaker 2: your media.
Speaker 9: We're going to court next week.
Speaker 2: So the mediation did not work.
Speaker 9: No, and they basically are threatening that when they go
Speaker 9: to court they're going to add attorney sees and well.
Speaker 2: They don't get they don't get attorneys feed, they don't
Speaker 2: they don't get attorney fees automatically unless the judge grantson
Speaker 2: what kind of court you go into small claims court?
Speaker 9: Right, small claims court in a Rapahole county, so.
Speaker 2: They don't have Look at they're threatening you just show
Speaker 2: up at small claims court. But listen, you may lose.
Speaker 2: If the mediator said, look, you're going to have to
Speaker 2: show that you got mail and you had it forwarded.
Speaker 2: I don't know how you and we do it.
Speaker 9: We have to take good because good, because when you
Speaker 9: have Postal Service forwarding them, they send you a picture
Speaker 9: of everything.
Speaker 2: Good, good, good, good, and you never got a picture
Speaker 2: of their mail. No, I listen, Brenda, how do you
Speaker 2: lose if they say they got it back? Do they
Speaker 2: have the unopened envelope as evidence? Did they have it?
Speaker 9: I don't know. They didn't produce Well.
Speaker 2: Guess what, you have the US Postal Service evidence, so
Speaker 2: they have to have evidence. I think you might win.
Speaker 9: Okay, all right, I don't know.
Speaker 2: What to do. But but what were you What was
Speaker 2: your comment about it? Why did you call about it?
Speaker 2: I think you're on the right track. Why did you
Speaker 2: call it?
Speaker 9: Well, the reason I called was because I wasn't sure
Speaker 9: if they have other ways to contact us, if they
Speaker 9: knew we did not.
Speaker 2: No, No, they don't have to. They don't have to
Speaker 2: under the current now. Yeah, unfortunately, I think right now everyone,
Speaker 2: I think there should be more than us, and I
Speaker 2: think there should be a way for people to legally
Speaker 2: be able to uh have another way to contact you. Yes,
Speaker 2: I totally agree with you on that. Three A three seven, one,
Speaker 2: three eight two five five. So I am with you
Speaker 2: on that. I'm Tom Artino. We have more coming up
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Speaker 2: two zero sixteen twenty two. Hey, I'm Tom Martino. You're
Speaker 2: troubleshooter three all three seven one three talk three oh
Speaker 2: three seven one three eight two five five. Welcome to
Speaker 2: the show. Okay, So Jason wants to talk about century Link,
Speaker 2: and then we got a whole bunch of things to
Speaker 2: talk about, and go ahead, Jason. You first, what's happening, Jason?
Speaker 12: Internet's been down for five days straight. I've been getting
Speaker 12: a text message from century Link.
Speaker 2: But there, my goodness, my century Link, which this entire
Speaker 2: show is based on right here from my home studio,
Speaker 2: is solid. Where are you?
Speaker 12: I'm on Alameda between Airport and Chambers in Aurora, and
Speaker 12: I think it's it could be local construction, but it's
Speaker 12: like I've fallen into an information black hole.
Speaker 2: I don't it's been gone wait wait three weeks?
Speaker 12: Five days?
Speaker 13: Oh?
Speaker 2: Five? I'm sorry? Why did I say three? Okay? I
Speaker 2: had another issue here for three weeks. Okay, never mind
Speaker 2: on this, on this sentry link thing for five days.
Speaker 2: Here's what I want to know. Are your neighbors out
Speaker 2: I haven't.
Speaker 12: I haven't had much contact with them, but I think
Speaker 12: they have direct TV. But I haven't talked to them,
Speaker 12: so I haven't.
Speaker 2: Been Okay, Well, this is important because it's either it
Speaker 2: could be with your local crap there, right, we don't
Speaker 2: know that yet, right, correct? Okay, So what are you
Speaker 2: calling about? You want to find out? Right?
Speaker 12: Yeah, I just want information and maybe a little embarrassment
Speaker 12: might Oh okay, you know a roadblock that's I don't
Speaker 12: know about her.
Speaker 1: You know.
Speaker 2: Well, here's the thing normally, Jason, the way there, you
Speaker 2: got to discern whether it's your house or not, because
Speaker 2: they're not going to get embarrassed if it's your house,
Speaker 2: because it's never their fault if it's your house. Yeah,
Speaker 2: I mean right, even if if rodents ate through the
Speaker 2: stuff or how how it's been five days when you
Speaker 2: call them, do they try to ping your modem and
Speaker 2: stuff like that?
Speaker 12: See that that was repaired, I want to say, the
Speaker 12: week before. So this is and this is when they
Speaker 12: contacted their automated system and just talked to a rep
Speaker 12: today And it's an area outedge servage outage.
Speaker 2: Wait, that's that's what I get. Oh wait, so you
Speaker 2: did you did find out there is a service a
Speaker 2: service outage?
Speaker 12: Yeah?
Speaker 2: Hold on, and I do you know that for sure?
Speaker 14: Yeah, Jason, Jason, this is Dimitri. I don't know if
Speaker 14: you've noted if you know the news of the past
Speaker 14: couple of weeks, there have been some deliberate sabotage attempts
Speaker 14: on internet access in the eastern part of the metro area.
Speaker 14: What these appear to be probing attacks by people who
Speaker 14: are Yeah, and they're they're probing these attacks.
Speaker 2: Are they hardware attacks or software hack?
Speaker 14: They're burning, they're burning down switches, burning. Yes, this is
Speaker 14: a probing attack on our infrastructure. What in preparation for
Speaker 14: something probably much larger. Oh, come on, there have been
Speaker 14: at least gang well, there have been at least four
Speaker 14: or five such The government doesn't want us talking about this.
Speaker 2: No, no, did he hang uper? He got disconnected? Century
Speaker 2: waiting hold on, Yeah, I'm on, I'm on centure. What
Speaker 2: the hell is going on? Brothers? Wait a minute, I didn't,
Speaker 2: Hey Shannon, talk to me.
Speaker 13: I wish I was involved because that was funny. But nope, he.
Speaker 2: Got he got totally connected and he was just talking.
Speaker 2: Listen if you want to call back, Jason. Now, wait
Speaker 2: a minute, d Is this so you're saying they suspect
Speaker 2: sabotage of their system.
Speaker 10: Well, it's not suspected. It is deliberate sabotage.
Speaker 14: There have been accelerants found in these underground wire wire systems,
Speaker 14: and uh, you know the prevailing theories that these are
Speaker 14: probing attacks and preparation for something bigger.
Speaker 2: Hold on, though, I checked Deni in Views and they said, nope,
Speaker 2: it's not happening. That it's an exaggeration from people who
Speaker 2: like Trump.
Speaker 10: Yeah, I'll get you something from a real news source.
Speaker 2: Okay. Anyway, so Denian Views says, Nope, ain't happening. I
Speaker 2: watched the show vexed on Denian News and uh and uh,
Speaker 2: Pile of crap told me that is that his name?
Speaker 2: Pile Pile of crap. Anyway, Anito, you have a comment
Speaker 2: on Social Security? What's going on?
Speaker 1: This happens only back in two thousand, for Social Security
Speaker 1: sent me a letter saying that they had underpaid me
Speaker 1: and they owed me five thousand dollars and it would
Speaker 1: be deposited in my account next for the next month.
Speaker 2: Wait. Wait, so it ended up where they owed you money?
Speaker 1: Yes, in the beginning they.
Speaker 2: Owed me money. Yeah, And then what happened They.
Speaker 1: Increased my my monthly benefits.
Speaker 3: And then about.
Speaker 1: Four months later they called me and said era had
Speaker 1: been made. They wanted that five thousand dollars back and
Speaker 1: we could either do payment plan or they would keep
Speaker 1: my Social Security from me. Until that five thousand was paid.
Speaker 1: So I talked to my attorney and she told me
Speaker 1: to go down and get a waiver, which a lot
Speaker 1: of people don't know about.
Speaker 3: And got the waiver.
Speaker 2: Now, where'd you get the waiver? Where'd you get the waiver?
Speaker 1: I was living in Las Vegas at the time, And
Speaker 1: I mean, did you get it from Social Security or where? Yeah,
Speaker 1: that's the only place you can get it from Social Security.
Speaker 2: A waiver to pay them back kidney, a waiver saying
Speaker 2: you did not have to pay them back.
Speaker 1: The waiver that I got said that I had to
Speaker 1: pay them back and I had to fill out this
Speaker 1: wave was like a booklet, was like twenty pages. My
Speaker 1: attorney killed it out for me.
Speaker 2: Okay, But the waiver said you wanted to get away
Speaker 2: from paying that. In other words, the waiver was a
Speaker 2: waving away from paying Is that.
Speaker 1: Right exactly exactly?
Speaker 2: And did it go through? Were you able to keep
Speaker 2: the money?
Speaker 3: I was able to keep the money.
Speaker 2: Definitely. Yes.
Speaker 7: They were really upset.
Speaker 2: They was really upset about it.
Speaker 3: They don't like to lose.
Speaker 1: So what happened that they must have put something on
Speaker 1: my account because when I would call later off about
Speaker 1: something else, I was either put on hold, oh I
Speaker 1: was disconnected.
Speaker 2: So okay, well, thank you for that information. Anita, Listen,
Speaker 2: I was, I'm not aware of any kind of waivers. Now,
Speaker 2: I'm not saying she's not telling me the truth. I mean,
Speaker 2: if she says it happened, it happened, I have no
Speaker 2: reason to disbelieve her. But the fact that there would
Speaker 2: be a waiver allowing you to keep money that they
Speaker 2: sent you by mistake is beyond is beyond me and Pat,
Speaker 2: one of my financial guests today, Pat, you said, there's
Speaker 2: a there's a windfall bill that says you a formula
Speaker 2: for paying back, right, or a formula for offsetting and
Speaker 2: paying back.
Speaker 15: Well, there's a there's a formula that if you have
Speaker 15: participated in Social Security, but we're also a participant in
Speaker 15: a non covered pension like parafe.
Speaker 2: Yeah.
Speaker 15: Yeah, you can go online and the Windfall Elimination Provision
Speaker 15: formula is there and you can calculate what the offset's
Speaker 15: going to be. So there's a way for planning to
Speaker 15: know what that's going to be when the time comes.
Speaker 2: All right, So there you there's a law that talks
Speaker 2: about not only offsetting, but the form for offsetting Anita
Speaker 2: said she was able to fill out a waiver so
Speaker 2: she didn't have to pay. We have to take this break.
Speaker 2: I have more coming right up. Go with a sure
Speaker 2: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Wait time for an
Speaker 2: insurance check up free, no obligation. In comparison, call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three all three seven seven to one. Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino here three O three
Speaker 2: seven to one three talks Sam. I'll give you more
Speaker 2: time at the after the break, but take us start out.
Speaker 2: What's going on? Sam?
Speaker 16: Okay, it's we're at Congress. Parpartments are being about two
Speaker 16: going on three years. When we first got here, I
Speaker 16: was committed a request for reasonable accommodations, which they never
Speaker 16: got because that's such a high turnover rate with the management.
Speaker 2: Yeah, so what kind of what kind of accommodations were
Speaker 2: you looking?
Speaker 16: For because my mom's a she's disabled, she says, diabetes's some.
Speaker 2: And what kind of accommodations were you looking for? Sam?
Speaker 16: Just a bigger place and and just something she could
Speaker 16: get to because the elevator always goes out here and
Speaker 16: it's just small. She can't get around in her apartment.
Speaker 2: Okay, Well she's not in a wheelchair, is she?
Speaker 16: Yeah?
Speaker 13: Yeah?
Speaker 2: Oh okay, uh huh all right, So how how long
Speaker 2: ago did you ask for these accommodations?
Speaker 16: Oh, this is like when we first moved in.
Speaker 2: And how long ago?
Speaker 16: About two years ago? Over two years ago?
Speaker 2: Okay, hold on and let's see what we can do
Speaker 2: for you. Okay, hey, Kachina, we have someone who deals
Speaker 2: with housing for the Americans with Disabilities Act. I believe,
Speaker 2: I believe we have an expert. We let on now,
Speaker 2: and then who we go with a sure thing Denver's
Speaker 2: Best Roofer Excel Roofing dot com. You don't pay a
Speaker 2: cent until you're content. Three time for an insurance check up, free,
Speaker 2: no obligation comparison call compass insurance paying too much your
Speaker 2: coverage at dozens of insurance companies find out now three
Speaker 2: oh three seven seven to one. Help you'll think you're
Speaker 2: his only customer. When you choose Frank durand the real
Speaker 2: estate Man dot Com to list your home with Remax
Speaker 2: Alliance three oh three nine two zero sixteen twenty two.
Speaker 13: D news need who you don't have, Run as fast
Speaker 13: as you can.
Speaker 10: Shoot 's gonna come.
Speaker 14: Man.
Speaker 4: This is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 2: Tom Martino here, Welcome to the show, the only show
Speaker 2: if it's kind of anywhere in the universe. And if
Speaker 2: you happen to ever download or stream the show, you'll
Speaker 2: see we have a studio full of people and then
Speaker 2: we're having fun solving problems, answering questions, taking complaints, and
Speaker 2: we'll go right back to the phones. So welcome to
Speaker 2: the show. Now, let's talk about these outages. There have
Speaker 2: been some suspicious fires set near some communication hubs, or
Speaker 2: when I say communication hubs, let's talk about these junction
Speaker 2: boxes which have cable and broadband in them, and they
Speaker 2: think they're suspicious. I don't know. Do you think somebody's
Speaker 2: trying to interrupt our communications or our infrastructure? Hmm, I'm
Speaker 2: reading about this now, This one on broadband outages being
Speaker 2: blamed on vandalism fires. No One mentions terror. Of course,
Speaker 2: no one mentions immigrants, And of course I'm not suggesting
Speaker 2: it is terror or immigrants. I'm just saying that some
Speaker 2: textures did. And then basically there have been some suspicious events.
Speaker 2: This is being reported by Fox thirty one, and of
Speaker 2: course I'm just reading what I'm reading, so I don't
Speaker 2: know if you guys have been affected by it. But
Speaker 2: we got a call. And then also let's see, Okay,
Speaker 2: we have phone callers who are upset in general with
Speaker 2: broadband in general. They say, all over the city it's
Speaker 2: been spotty, not just because of outages, but spottiness. I'm
Speaker 2: having rock solid stuff on my I mean service. But
Speaker 2: how about it, people, I mean, some of my YouTube
Speaker 2: morals are always complaining about stuff and blaming me for it.
Speaker 2: And it's not like jittery video or some kind of
Speaker 2: stuff like that. And it has nothing to do with
Speaker 2: my feed. It has to do with how you receive it.
Speaker 2: I think, Okay, let's go to the phones instead of
Speaker 2: playing the blame game here on my listeners. Right wong, Oh, no,
Speaker 2: I'm sorry. Let me go back to Sam. I'm sorry, Sam,
Speaker 2: I dropped off with Sam. You wanted to continue here?
Speaker 2: You and your mom live in Congress Park apartments, and
Speaker 2: you ask for some accommodations for your mom. Your mom
Speaker 2: has diabetes. But I want to know when we talk
Speaker 2: about accommodations, what did you specific you've been there for.
Speaker 2: I can talk to you. What kind of accommodations were
Speaker 2: you looking for? Go ahead?
Speaker 11: You want to know what accommodations are we looking for?
Speaker 2: What's your mom's name? Sam? What's your mom's name? Who's
Speaker 2: on the line. I would like to talk to her?
Speaker 2: What's your name?
Speaker 17: Yeah, I'm agreed.
Speaker 11: What callum Madrid?
Speaker 2: Calum Madrid?
Speaker 16: Okay?
Speaker 2: Spella?
Speaker 3: Yeah, Spella.
Speaker 2: That's the weirdest name I've ever heard.
Speaker 3: Spella p E L l A p E Pella.
Speaker 2: Okay, Okay, it doesn't. I'm just gonna call you. Hey you, Sam,
Speaker 2: and hey you? What are you looking for? Specifically?
Speaker 11: I'm looking for a wheelchair accessible okay, apartment?
Speaker 2: And what did Okay? I'm see we're trying to find
Speaker 2: our our expert on housing for Americans with disabilities. I
Speaker 2: don't I don't know if that's considered a reasonable accommodation.
Speaker 2: I'm not sure. I'm saying, do they have apartments that
Speaker 2: are wheelchair accessible?
Speaker 11: They have like two of them.
Speaker 2: Are they taking? Are they are they taking?
Speaker 11: And they're taking everything?
Speaker 2: Okay, but hold on, So so maybe they just say
Speaker 2: we don't have any available. What if they told you that,
Speaker 2: what would you say?
Speaker 11: Well, that's what they tell me.
Speaker 2: Okay, Well do you think that they're lying to you?
Speaker 12: Well?
Speaker 11: Sometimes I wonder if I mean, I don't know.
Speaker 2: How about if we have someone call over there and
Speaker 2: just have different apartments? So are you willing to move?
Speaker 18: Obviously right, I'm willing to move, but I don't want
Speaker 18: another apartment.
Speaker 11: I've lived here for a year and a half. I wait,
Speaker 11: what do you want them to do?
Speaker 2: Do you want them to remodel your hold on to
Speaker 2: your sage? Okay, do you want them? I'm just asking
Speaker 2: to remodel the apartment you're in. Do you want them
Speaker 2: to find you a new, better suited apartment? What are
Speaker 2: you asking for? So when we all over there, okay.
Speaker 18: For someone Brown, I don't want nothing with the elevator.
Speaker 18: The elevator here has broken down eight eight times, and
Speaker 18: I can't okay with that?
Speaker 2: Okay, Okay, I am right now trying to find my
Speaker 2: person with Americans with hey, Kachina, were we able to
Speaker 2: find her. Yes, I reached out to her. She has
Speaker 2: not gone back to me yet. Okay, we're gonna do
Speaker 2: a couple things. We're going to get a deputy to
Speaker 2: call over and to see if they have it, and
Speaker 2: then we're going to have this expert come on and
Speaker 2: tell us what your what your rights are. But from
Speaker 2: what I'm looking up right now, Americans with Disabilities Act
Speaker 2: and Fair Housing Act, large complexes must accommodate people with disabilities,
Speaker 2: and they have to provide accessible housing for field chairs. Okay,
Speaker 2: primarily it's it's for big apartment places and public now listen,
Speaker 2: but listen to this. They can't discriminate. They have to
Speaker 2: have a certain number of units. I don't know how
Speaker 2: many units. It says, first of all, all common areas
Speaker 2: must be accessible, and then there must be ground for
Speaker 2: or elevator accessibility. And then it says that wider doorways.
Speaker 2: They have to have some apartments with wider doorways and
Speaker 2: accessible light switches and reinforced walls and stuff for wheelchairs.
Speaker 2: Tenants have the right to request reasonable accommodations such as
Speaker 2: ramps and stuff like that. Structural modifications are often the
Speaker 2: tenants financial responsibility unless they have apartments available. So it's
Speaker 2: really a mixed bag as to what you can demand.
Speaker 2: Deputy doc, are you are you at the studio? You
Speaker 2: want to make a call that to that?
Speaker 19: I just have one question, Tom, Yes, sir, if you
Speaker 19: want it all of these things done, why did you
Speaker 19: move into that apartment to begin with? If you knew
Speaker 19: that it wasn't what you.
Speaker 2: Yeah, in other words, in other words, that's a fair question.
Speaker 2: That's a fair question.
Speaker 11: I was holding this and I was staying in my truck.
Speaker 11: I was there for six years, and I was just
Speaker 11: looking for something that I can live in instead of
Speaker 11: my truck being cold and everything.
Speaker 2: Oh my, you lived in a truck first six years?
Speaker 3: What?
Speaker 9: Yes?
Speaker 11: So I just got the first thing that popped up. Well,
Speaker 11: it wasn't because I wanted it.
Speaker 2: Is this subsidized housing?
Speaker 11: It is, No, it's it's just the incomes online.
Speaker 2: No, okay, that's so it's slow income. Okay. So how
Speaker 2: long did it take you to get that? How long
Speaker 2: did you have to wait on a list for that?
Speaker 6: Two years?
Speaker 2: My goodness? How did you end up in your truck?
Speaker 11: That's because I went homeless?
Speaker 2: Okay? Did you run out of money or job? How
Speaker 2: old are you.
Speaker 11: I'm sixty five.
Speaker 2: Oh that's terrible, So.
Speaker 11: Six next month, if God's willing.
Speaker 19: Are you getting so shorty disability?
Speaker 3: Yes? Good?
Speaker 2: Okay, Hey listen, we're going to try to reach out
Speaker 2: to that apartment place, so hang on, okay, dear three
Speaker 2: all three seven one three talks seven one three eight
Speaker 2: two five five. We're also reaching out to our fair
Speaker 2: Housing expert and Americans with Disabilities Act. And her name
Speaker 2: is Pella, like the window, I think, so I'm just
Speaker 2: gonna write that down. Thank you doc for taking this.
Speaker 2: Three oh three seven one three A two five five. Listen.
Speaker 2: We all have our crosses to bear, don't we. Okay? Now,
Speaker 2: speaking of uh insurance, nobody was, but I'm going to
Speaker 2: compass Insurance group wants to make sure you're not paying
Speaker 2: too much or if you have a great deal, they
Speaker 2: want to let you know, So give them a call
Speaker 2: three oh three nine ninety six nine thousand for a
Speaker 2: free insurance checkup the Insurancehelpcenter dot com. Go with a
Speaker 2: sure thing Denver's Best Roofer Excel Roofing dot com. You
Speaker 2: don't pay a cent until you're content time for an
Speaker 2: insurance checkup free, no obligation comparison call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three all three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, your trouble shooter three
Speaker 2: all three seven one three talks seven one three eight
Speaker 2: two five five. Okay, Chris with discount bath Someone wants
Speaker 2: to know on your shower conversions. What if that's not
Speaker 2: really conversion? Folks? Can you do just okay, they have
Speaker 2: a bathroom, can they add just a shower? They don't
Speaker 2: have but they have the room, they just don't have
Speaker 2: anything there. Can they add a shower? It wouldn't be
Speaker 2: called a conversion though, obviously No.
Speaker 5: I think probably there's some space in a closet or somewhere.
Speaker 5: And then yeah, we can move plumbing.
Speaker 2: So you can add stuff, not just remodels.
Speaker 13: Yeah, of course.
Speaker 2: Yeah. Now in the conversions where you pull out the tubs,
Speaker 2: I think everyone should get rid of shoubs. That's the
Speaker 2: name I gave them, shoubs. You know, shower tubs because
Speaker 2: they suck and they're ugly, and they're noisy, and they're
Speaker 2: dangerous and they're they're terrible. Do they still put them
Speaker 2: in new houses and specs?
Speaker 13: They do?
Speaker 2: Really, So that's a big job. So that's a good
Speaker 2: business to convert those absolutely.
Speaker 13: Yeah.
Speaker 2: Now are people willing to forego the tub? But nowadays yeah,
Speaker 2: more often than not, otherwise known as germ baths. Yeah,
Speaker 2: you don't think about it or have a separate tub
Speaker 2: and a separate shower. Combining them not a good idea.
Speaker 13: Yeah, so you see that in the master.
Speaker 5: But the hall bath, I mean more often than not
Speaker 5: people want it to be a shower. The only reason
Speaker 5: they want the tub is small kids and pets. Pets, Yeah,
Speaker 5: they wash their pets.
Speaker 2: Now, Pat, he has a solution for that. Do you
Speaker 2: know what he did in one of his houses, Pat Jollif, oh,
Speaker 2: my partner at Wave eight. You know what he did?
Speaker 2: He put in good come on, this is decades. He
Speaker 2: put in a shower for his dogs.
Speaker 13: And we've done that before too.
Speaker 15: You have you install those yea, the best thing.
Speaker 2: They're elevated and you put your.
Speaker 15: Dog, yeah, no fooling, And then you start using them
Speaker 15: for a bunch of others.
Speaker 2: Hold on now, hold on, Chris, I'm going to start going. No,
Speaker 2: I'm not going to make take all your advertising time,
Speaker 2: but I'm going to mention that one so on, so
Speaker 2: you can put in well, what do you call it
Speaker 2: a shower bay for the dog or a grooming bay
Speaker 2: or what? What is it? It's a it's a shower.
Speaker 13: Yeah, it's just a shower. Is a pet shower?
Speaker 2: Now? Pat put in this subway tile looks really good
Speaker 2: and it's elevated so they can stand there. And then
Speaker 2: they got the spray they can pull. Did I notice
Speaker 2: you have that you can spread on, you can hold
Speaker 2: the Wand.
Speaker 15: The only suggestion I would make on that that was
Speaker 15: to make sure that you put a toe kick in there,
Speaker 15: because we didn't do that. And if you're and.
Speaker 2: We've got two, what do you mean by a toe?
Speaker 15: Toe kick? Is where your toes can slide underneath a
Speaker 15: little bit. Oh, otherwise you're too far and you know,
Speaker 15: I've got some back.
Speaker 2: I never even thought about that.
Speaker 15: Yeah, But aside from that, they're phenomenal. Is the best
Speaker 15: thing that we did in that house, and everybody gets
Speaker 15: a kick out of it because nobody's ever seen one.
Speaker 15: It's something to do, for sure.
Speaker 2: So where do you put those, Chris the discount bath
Speaker 2: dot com? Do you put them?
Speaker 5: The one we did was in the basement and it
Speaker 5: was for a great dane, so it wasn't.
Speaker 13: Just jumped in there.
Speaker 5: Yeah, so the dane had its own shower. But yeah,
Speaker 5: that's as a matter of fact. Way back, I owned
Speaker 5: a laundromat and we added a pet wash in there,
Speaker 5: and well, that's a good idea.
Speaker 2: Do it yourself. Gloomering areas are pretty cool. We have
Speaker 2: we have them in several in Colorado. Now. The closest
Speaker 2: I came to animal stuff like this is in my barn,
Speaker 2: of course, and a lot of people with barns put
Speaker 2: in a wash rack for their horses. It's you know,
Speaker 2: it's a it's a gritted concrete. You obviously don't want
Speaker 2: it slick, and then you have the center drain or
Speaker 2: perimeter drain, and then you have the instant hot water
Speaker 2: there and you have the big wand like a car
Speaker 2: wash almost overhead so they don't get caught up in
Speaker 2: it with their feet. And it's a pretty cool thing
Speaker 2: to have a washrack for horses, of course, and we're
Speaker 2: talking about first world problems here, folks. I mean, come on,
Speaker 2: we're installing washes and showers for our dogs and cats.
Speaker 2: But you know, okay, now, when it comes to bathrooms,
Speaker 2: somebody wants to know can you find room in most
Speaker 2: of these? I don't know what is a mid sized
Speaker 2: bath I don't even know what that means. But anyway,
Speaker 2: they have a shower tub, they have a toilet, and
Speaker 2: they have a sink. Okay, what they want to do
Speaker 2: is have a his and her sink and they want
Speaker 2: to have they want to have just a shower conversion.
Speaker 2: Can you usually find room to do? I mean, that's
Speaker 2: kind of hard. So that's where you.
Speaker 5: Need the video, right, Yeah, absolutely, it's well I couldn't
Speaker 5: even give a percentage to that, but it matters the
Speaker 5: size of the bathroom. I need at least five feet
Speaker 5: for a vanity to have two sinks in.
Speaker 2: It, Okay, five feet of wall, yes, ok.
Speaker 5: And I have to have thirty inches for the toilet,
Speaker 5: fifteen on either fifteen inches on either side of the
Speaker 5: drain of the center of the toilet.
Speaker 2: Now can you tell that from cell phone video? Usually? Yeah?
Speaker 5: I mean you count tiles and there's things that you
Speaker 5: can look at Sometimes you can't tell, but more often.
Speaker 13: Than that we can see the size.
Speaker 2: All right, three h three seven one three dogs seven
Speaker 2: one three eight two five five And someone else? Do
Speaker 2: you do bathrooms where none exists? Okay? Or do you
Speaker 2: just do where they're already there?
Speaker 13: No, we'll do a new new build.
Speaker 5: Typically that's in a basement where there's there's roughed in
Speaker 5: plumbing or.
Speaker 2: Yeah, because otherwise to rough end would be impossible.
Speaker 13: Right, Yeah, I mean you can do it.
Speaker 5: It just really matters where the drains are and how
Speaker 5: much concrete you have to bust up.
Speaker 2: Okay, my goodness, people are using my Google phone seven
Speaker 2: four seven, nine nine nine fifty two eighty because this
Speaker 2: one says, can you is where the toilet drain the
Speaker 2: pre designating spot? I must have my toilet. I guess
Speaker 2: they're talking about rough in where you see that hole
Speaker 2: in the floor? Can you You can't move that, can you?
Speaker 16: So?
Speaker 5: Uh, if it's an existing bathroom you don't want to
Speaker 5: move the toilet, it can be done, but typically, especially
Speaker 5: on the second, you'd.
Speaker 2: Have to break up the floor.
Speaker 5: Now, yeah, it's it's it's probably the most challenging thing
Speaker 5: when somebody says, Hey, the toilet, it's in the basement,
Speaker 5: and you know there's nothing there, right, you.
Speaker 2: Can Otherwise you'd have to jackhammer the congress. I mean literally,
Speaker 2: you have to reduce stuff is difficult. Yeah, okay, if
Speaker 2: you're out of house, this is the last one I'm taking. Well,
Speaker 2: you guys can still continue to text seven four seven
Speaker 2: nine nine, nine fifty eighty and two of these I
Speaker 2: think we're from the same people, two from two people,
Speaker 2: you know, four from two people, and then the rest
Speaker 2: were individual. The one about if you're in a house
Speaker 2: doing a kitchen and it's a small can you do
Speaker 2: a bath? Can you do the kitchen? Yeah you can.
Speaker 13: Yep, yep. We just finished one, actually two bathrooms in
Speaker 13: a kitchen.
Speaker 2: Okay, well I never mentioned that either. So it's discount bath.
Speaker 2: You couldn't get discount bathroom kitchen dot com. No, No,
Speaker 2: probably not discount bath and more. Okay, so that's Chris
Speaker 2: discount bath dot com. And okay, so I said I
Speaker 2: had Pat with me, Pat jobab from uh Wave eight.
Speaker 2: I love saying this Wave eight financial Financial or excuse me,
Speaker 2: Wave eight Wealth Management. And again I told you I
Speaker 2: started this company specifically for myself years ago, and I said, Pat,
Speaker 2: just this, you're going to be working for me if
Speaker 2: you don't mind. And of course he had other favorite clients.
Speaker 2: He had too, he really did, so they followed him
Speaker 2: for thirty five years. So but the bottom line is this.
Speaker 2: The stock market right now is both bad and good
Speaker 2: depending on the day. So why is that? See? See,
Speaker 2: I know why. I know why, and I think you
Speaker 2: know why. We've been reading and researching a lot, which
Speaker 2: of course is what differentiates us because we take an
Speaker 2: active role in you and the market. But this money
Speaker 2: anxiety thing, I find the most fan fascinating thing we've
Speaker 2: ever talked about. What do you think?
Speaker 15: Oh, I agree with you. It's one thing you know
Speaker 15: when you read about that. Typically, what we've done historically
Speaker 15: we ask people about their risk tolerance. We give them
Speaker 15: a questionnaire.
Speaker 2: Sure everyone does that.
Speaker 15: We give them a hypothetical question to say, if you
Speaker 15: saw a ten percent draw down in your portfolio, how
Speaker 15: would you react? And most people what, Oh, I'd stay
Speaker 15: the course, or I'd even invest more or whatever.
Speaker 2: Then they don't tell the truth.
Speaker 15: Well, what happens is when it when it does happen
Speaker 15: to them, then they run for the fences and I
Speaker 15: think the psychological factor of that and behavioral finances that
Speaker 15: it feels worse to lose and it feels good to win,
Speaker 15: and people don't realize that. And so what what the
Speaker 15: Money Anxiety Index has done is it's gone out and
Speaker 15: measured actual variables of reactions of people to things that
Speaker 15: have happened in the world, such as COVID. So and
Speaker 15: there's an interesting thing, right, as an example, So COVID
Speaker 15: comes along, and you wonder what's everybody going to do,
Speaker 15: and everybody has their predictions and so forth. What's one
Speaker 15: of the number one things that people did in reaction
Speaker 15: to COVID. They went out and they bought toilet paper.
Speaker 2: You know, the consumers did at the stores, right, because
Speaker 2: they didn't want to be home without toilet paper. I know,
Speaker 2: it was amazing to me how people did that, right, And.
Speaker 15: My point bringing it up is is that's an actual
Speaker 15: reaction to an occurrence in the marketplace that can be
Speaker 15: measured and then it can.
Speaker 2: Right to Now obviously we're not saying, you know, you
Speaker 2: go out and then buy Sharman stock, but that is
Speaker 2: an exaggerated example of where anxiety causes changes in a marketplace.
Speaker 2: That's right, it's.
Speaker 15: Taking real reactive data and applying that to market movements.
Speaker 15: And there's and in the Money Anxiety Index, there's been
Speaker 15: a correlation and to the market in long positions and
Speaker 15: short positions for funds that exchange traded funds that outperform
Speaker 15: in both market cycles. And then you can put a
Speaker 15: portfolio together based upon it.
Speaker 2: I don't know if this person trying to be a
Speaker 2: smart astronaut that text me, what makes you so special?
Speaker 2: You know everybody? You know, there's there's you know everyone,
Speaker 2: there's there's dozens of shows and commercials on about financial advisement.
Speaker 2: And and here's what I want to say real quick.
Speaker 2: First of all, let me just explain this. We don't
Speaker 2: day trade or do anything like that. And I asked,
Speaker 2: do we buy? Do we you know, should we be
Speaker 2: buying individual stocks? That's that's a very rare occurrence, very
Speaker 2: individual stocks for certain people at certain times if they
Speaker 2: have a passion or want or love, yes, But most
Speaker 2: of the time you don't. If you buy and hold
Speaker 2: a specific stock, who should believe in it? That's good,
Speaker 2: like an Amazon or something like that. What we call
Speaker 2: really solid blue chip stocks blah blah blah. But normally
Speaker 2: you don't knee jerk and buy stocks and sales stocks
Speaker 2: and buy stocks and sales stocks. But we do a
Speaker 2: lot of funds, a lot of ETFs because those are
Speaker 2: easier to track and you have less volatility. Wouldn't you say, Pat.
Speaker 15: You have natural diversification built in because you have a number.
Speaker 2: Of it and buy people way smarter than us. And
Speaker 2: while we say we take a direct approach, which we do,
Speaker 2: we do not wholesale this out like ninety eight percent
Speaker 2: of all advisors wholesale it to bigger advisors. I don't care.
Speaker 2: They should be honest with you and tell you that, okay,
Speaker 2: they make a spread, but you do have to take
Speaker 2: advantage of expertise out in the marketplace like ETFs and
Speaker 2: stuff like that. But the other thing that I find
Speaker 2: fascinating with money index is that you can actually trace
Speaker 2: correlation to positive and negative reactions to the people's psychology,
Speaker 2: not to their not to what they say, but what
Speaker 2: they do and how they feel. If you if you
Speaker 2: can see a sense of how people feel through this
Speaker 2: index and look at I'm not going to tell you
Speaker 2: the guy that developed this index, you can look it
Speaker 2: up and do it. And because he's not exclusive to
Speaker 2: us at all. He's just he's an expert. He's a genius.
Speaker 2: And uh, he's proposing that bank accounts now be based
Speaker 2: on that where they're swept and put into that so
Speaker 2: you have free checking all the time. That makes money.
Speaker 2: And it's not like a money market. It's a little
Speaker 2: more of it's a little more aggressive than a money market,
Speaker 2: but it's every bit is safe. And I think that's
Speaker 2: a genius move. This guy is a genius. But anyway,
Speaker 2: the money anxiety indecks we use, and we also use
Speaker 2: the trend index on necessities and trends. And let me
Speaker 2: just give you one example. During COVID, we had a pair.
Speaker 2: We do stock pairs a lot of times, and we
Speaker 2: do one long, one short, blah blah blah. But let
Speaker 2: me explain this to you. We had one pair that
Speaker 2: was weird. But but but one of the ups sides
Speaker 2: we saw it was going to be or our intelligent,
Speaker 2: our artificial intelligence told us to buy Lululemon and we
Speaker 2: were wondering why and it was such a weird correlation.
Speaker 2: But as it turned out, what happened during COVID, a
Speaker 2: lot of people were staying home, but a lot of
Speaker 2: people then worked out and walked and did things in
Speaker 2: the park and were like, even though they're home, they're
Speaker 2: away from work. That Lululemon did take a bump. It
Speaker 2: was really cool how that trend was tracked. Anyway, if
Speaker 2: you ever have any questions, you can email me here
Speaker 2: and you can also text me on my Google number
Speaker 2: three oh three. Oh excuse me. The Google number is
Speaker 2: seven four seven nine nine nine fifty two eighty and
Speaker 2: I'll give out that number for Wave eight three oh
Speaker 2: three seven seven to one help seven seven one four
Speaker 2: three five seven. So if you have any questions for
Speaker 2: me for Pat who's here for Wave? Or we have
Speaker 2: Chris here discount Bath and then I'm going to talk
Speaker 2: to Deputy Bodeputy D Anddeputy dot about any follow ups
Speaker 2: they have. Right after this, go with a sure thing
Speaker 2: Denver's Best roofer Excel roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check up,
Speaker 2: free no obligation comparison call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three oh three, seven to seven to one help. You'll
Speaker 2: think you're his only customer when you choose Frank durand
Speaker 2: the real estate Man dot com to list your home
Speaker 2: with Remax Alliance three oh three nine two zero sixteen
Speaker 2: twenty two. Tom Martino here three oh three seven one
Speaker 2: three talk three oh three seven o three eight two
Speaker 2: five five. You guys have any follow ups that I
Speaker 2: need to know about, let me know, just chime in.
Speaker 2: I know that we've had several ongoing cases that we're
Speaker 2: still trying to help people with. And since you're both
Speaker 2: here and bo you started working on Justin Garcia. You
Speaker 2: know you heard when he called into the show, and
Speaker 2: obviously he said his contra. Basically, here's what's his contention.
Speaker 2: Is his contract superceedes the law. Did you know that
Speaker 2: it supersedes the law, meaning that his contract doesn't have
Speaker 2: to follow the law, which is the Contractor's Trust Act.
Speaker 2: That is what the man is telling us.
Speaker 20: Two is three times. And there's also a provision he's
Speaker 20: put in the contract that he.
Speaker 2: Could get get closer to that bro charge.
Speaker 20: Justin claims he can charge five I thought it's five
Speaker 20: hundred dollars a day, but his contract says he can
Speaker 20: charge five hundred dollars an hour every time, the very
Speaker 20: minute or hour the contracts and not completed, which is ridiculous.
Speaker 20: And he's been working quite a bit behind the scenes
Speaker 20: with Colp the Attorney General.
Speaker 2: You want to come in on it, so d go
Speaker 2: ahead take the mic. I mean it's making noise, but
Speaker 2: I don't go ahead.
Speaker 13: Yeah.
Speaker 14: I Bow alluded to some of my behind the scenes
Speaker 14: work and helping Bow on this matter.
Speaker 2: And the Attorney General.
Speaker 14: Yeah, the attorney So I've been in touch quite a
Speaker 14: few times with the State Attorney General's office, and you
Speaker 14: saw the latest email that they sent me, which basically
Speaker 14: they've stopped commenting on this matter because they claim that
Speaker 14: they are not allowed to comment or confirm or deny
Speaker 14: on going and investigations. So I don't know where that stands,
Speaker 14: but hopefully the consumer will be able.
Speaker 2: To come well now. They often say that. They often
Speaker 2: say that once I used to give them stuff at
Speaker 2: Channel four and at Fox thirty one and when I
Speaker 2: was on TV, and I would give them information when
Speaker 2: I came across the case I thought were fraudulent, and
Speaker 2: then I'd say, Okay, now I need to know I
Speaker 2: need to follow up, and they would say things like, well,
Speaker 2: we can't tell you anything, and I said, wait a
Speaker 2: minute I brought it to you, you know.
Speaker 14: And the other two things that I've been working on
Speaker 14: to help BO with this case is I developed the
Speaker 14: channel inside the colors of the Springs Police Department and
Speaker 14: this is not dead yet. Good good, So there's a
Speaker 14: lieutenant over there who is in charge of financial crimes
Speaker 14: who's now been involved in investigating this matter, and hopefully
Speaker 14: he'll be able to find some evidence and pass this
Speaker 14: on to the District Attorney's office. And then the third
Speaker 14: and final thing that I did to help BO is
Speaker 14: I did find a civil litigation attorney.
Speaker 10: Who specialized take it.
Speaker 14: I believe, if I read the email correctly, he already
Speaker 14: took this case.
Speaker 10: And he's doing this what's that? Yeah?
Speaker 14: So, and I believe he's doing it pro bonos so,
Speaker 14: and I'm sure that's in hopes of recovering his fees
Speaker 14: at the end of the civil action.
Speaker 10: Okay, So those are the things that I've been working on.
Speaker 2: Now in the obvious news, no, not the election, something
Speaker 2: even bigger coming up Halloween there is, believe it or not,
Speaker 2: Now there are woke costumes and unwoke costumes. You have
Speaker 2: to choose which is which. Okay, I'll go with unwoke. Okay.
Speaker 2: So basically, if you wear the wrong costume to work,
Speaker 2: they're saying, you stand the chance of being canceled, But
Speaker 2: you also stand the chance of losing a job. And
Speaker 2: here are some of the most common mistakes people make.
Speaker 2: Listen to this tease coming right up. I'm going to
Speaker 2: tell you, okay, and this can get you canceled or
Speaker 2: get you fired. I'm Tom Martinez three O three seven
Speaker 2: to one three talks seven one three eight two five five.
Speaker 2: By the way, it's really important that you know Frank Duran,
Speaker 2: the real estate man. Why because if you're looking to
Speaker 2: sell or looking to buy, he can tell you what
Speaker 2: something will If you're looking to buy what he thinks,
Speaker 2: he can negotiate it to yeah, or if you're looking
Speaker 2: to sell, what your house will sell for are both
Speaker 2: free of charge valuations of the marketplace. Or maybe you're
Speaker 2: selling and you want to know what you can buy.
Speaker 2: He'll let you know what you'll net based on what
Speaker 2: your house is worth, based on his thirty years of experience,
Speaker 2: and he does a great job, all free of charge.
Speaker 2: Three oh three nine two zero sixteen twenty two. Frank
Speaker 2: durand the real Estate Man dot com go with a
Speaker 2: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 2: don't pay a cent until you're content, wait time for
Speaker 2: an insurance check up free, no obligation comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three oh three seven seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate Man dot com to
Speaker 2: list your home with Remax Alliance three oh three nine
Speaker 2: two zero sixteen twenty two. Hi Tom Martina your troubleshooter
Speaker 2: three oh three seven one three talk seven one three
Speaker 2: eight two five five Mark, Welcome to the Tom Martina Show.
Speaker 2: What's going on? Mark? What's going on? BB?
Speaker 7: Hi Tom?
Speaker 3: This is a Hey.
Speaker 8: I had Discount Bath come out, put in.
Speaker 3: A got rid of my shove, Yeah, tower.
Speaker 2: Yeah, those things I know.
Speaker 21: Stephan come out, gave us a quote and told us
Speaker 21: about all his products.
Speaker 17: And we made an appointment.
Speaker 21: Yeah, Tim, come out at the end of September.
Speaker 16: Two and a half days later.
Speaker 15: We had a beautiful shower.
Speaker 2: Two and a half days That is what incredible. What
Speaker 2: kind of wall system did you go with?
Speaker 22: Oh the acrylic.
Speaker 2: Yeah, marble looking crylic and nothing to maintain, hardly anything
Speaker 2: to maintain. Right, that's right, yep, that's cool. What was
Speaker 2: there before so you had? Did you have like the
Speaker 2: original that was built with.
Speaker 23: Your house, Yeah, built back in.
Speaker 21: The seventies, the club with the.
Speaker 22: Tower doors and tile.
Speaker 3: Yeah, and Tim, Tim come out and the boy.
Speaker 17: That guy is good.
Speaker 23: He's a perfectionist and he did a great job.
Speaker 2: Hey, Mark, thank you so much. I really do love
Speaker 2: hearing about that stuff. So thank you very much, Mark.
Speaker 2: And yeah, discount bath dot com there on a show today.
Speaker 2: If you have any questions, I do have a few
Speaker 2: texts for everyone here. We'll get to three O three
Speaker 2: seven one three talk now. On that caller, a lot
Speaker 2: of people said, you know, I wasn't hearing her name right.
Speaker 2: I thought it was Pella, possibly Ella, Stella, Isabella, Marabella, Othella.
Speaker 2: I don't know. Does anyone know for sure? Kaschina? Did
Speaker 2: you get her name for sure? I did? Yes, it's Stella.
Speaker 2: Oh okay, then I'm going to stop calling her. Hey
Speaker 2: you Spella, Hey stop? That is that the recording of me?
Speaker 2: Is that what I said? Spella? How could I even
Speaker 2: think there was a name called Spella. For God's sakes, Spella,
Speaker 2: and people are saying, come on, yo, fart. Can't you
Speaker 2: hear it? My wife even texted me she said Stella,
Speaker 2: so she was listening and could hear easier than I
Speaker 2: could with these headphones on three oh three seven one
Speaker 2: three Talk is our number, or you can call three
Speaker 2: oh three Martino three O three six two seven eight
Speaker 2: four six. I want to ask Pat since he's here
Speaker 2: and he's with Wave eight Wealth Management or and by
Speaker 2: the way, that's invest with Martino dot com. That's the website.
Speaker 2: I change it because Mark said when I use the
Speaker 2: it's too long to say waveightwealth Management dot com, although
Speaker 2: that'll get you there anyway. What do election What do
Speaker 2: elections usually do the market? What do they usually do?
Speaker 2: In general? I mean, what what do they do?
Speaker 15: Pretty static?
Speaker 2: This wait and see kind of thing is kind of
Speaker 2: a wait and see. So it's not a crash or
Speaker 2: a boom.
Speaker 15: Or no, not necessarily, and everybody tries to anticipate that
Speaker 15: some big move and it generally doesn't happen. And you know,
Speaker 15: typically what I tell people is certainly aside from the
Speaker 15: headline risk and that can get some emotions going and
Speaker 15: things will make you know, people make some moves and
Speaker 15: things like that, but it's really more about FED policy
Speaker 15: that's going to move markets.
Speaker 2: So they feel somebody is going to be inflationary or recessionary,
Speaker 2: or high rates or low rates.
Speaker 15: It moves more so in the immediate it's about FED
Speaker 15: policy because they really control the velocity of money into
Speaker 15: the market and bloscity capital in the marketplace, and so
Speaker 15: administrative changes really don't take effect if you think about it,
Speaker 15: until almost two years down the road, and all the
Speaker 15: policies get changed and then they get put in a
Speaker 15: place and so on, and then the domino start to fall.
Speaker 15: So it's it's more about what the Fed's doing and
Speaker 15: what the cost of money is and the velosoity capital
Speaker 15: in the market.
Speaker 2: Deputy d I got a text about this Josh Sandoval,
Speaker 2: another person, so they wanted to know they heard about
Speaker 2: it on the They said they heard us that we
Speaker 2: were talking about on the show. They didn't hear the conversation.
Speaker 2: I want to know your gut feeling did you feel
Speaker 2: Josh Sandival was a you know, look at when you
Speaker 2: talk to Justin Garcia, this guy that stole sixty two
Speaker 2: thousand dollars from an elderly woman. You get the feeling
Speaker 2: he's a scammer. You just get the feeling right off
Speaker 2: the bat. He's trying to be a smooth talking scammer.
Speaker 2: I want to know this, what feeling did you get
Speaker 2: with Josh Sandival didn't I.
Speaker 5: Did not get that feeling from mister Sanderbal at all.
Speaker 5: He is he is, and I believe when he says
Speaker 5: that he's going to repay Guermo, who's the consumer whose
Speaker 5: behalf I called yesterday, it's disappointing that he is not
Speaker 5: in a position to write a check for the entire
Speaker 5: amount due. But given how hard it is to get
Speaker 5: money out of contractors anyway, his offer in his commitment
Speaker 5: written commitment to two payments per month in the amount
Speaker 5: of five hundred dollars. E oh, it's way better than
Speaker 5: what we typically experience. I did not at the time
Speaker 5: know that Bo is also independently of this is working
Speaker 5: on a different case with the same contractor on behalf
Speaker 5: of another of another.
Speaker 2: The same guy, same guy. Pass over the mic. Wow,
Speaker 2: the same guy? What in that case? Bo? What was it?
Speaker 20: It was about a month ago. Kayla called into the show,
Speaker 20: and you'll remember this, Tom. This is the one where
Speaker 20: I asked to go over to his house and I
Speaker 20: went over on a Saturday. I called several emails.
Speaker 2: He did call me.
Speaker 20: He said he would send some money to Kayla, and
Speaker 20: he never.
Speaker 2: Did go with a sure thing Denver's Best roofer Excel
Speaker 2: Roofing dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass Insurance. Pay too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three seven
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty two.
Speaker 19: D news.
Speaker 2: You needed that who You don't have to run anxious
Speaker 2: ass as.
Speaker 10: We can shoot us Conna Hilp.
Speaker 4: Come man, this is the Troubleshooter Show. No Tom Martino, Hello.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven one three talk three oh three seven one three
Speaker 2: eight two five five. Here to help you any way
Speaker 2: that I can so. Here we are solving problems answering question.
Speaker 2: It came taking complaints. You see that number three oh
Speaker 2: three Martino right there at three oh three six two seven, eight,
Speaker 2: four sixty six. Of course, I'm speaking to those who
Speaker 2: download the podcast for the stream and for those of
Speaker 2: you in radio land, welcome. Let's go to the phones
Speaker 2: and solve some problems, all right. We have as our
Speaker 2: guests today discountbat dot com evenue questions on discount Bass,
Speaker 2: a lot of people fact questions when it comes to
Speaker 2: home improvements and stuff for my guests. We also have
Speaker 2: Pat Jolliffe with Wave eight Wealth Management talking about the
Speaker 2: realities of the investing world, which we haven't gotten into yet,
Speaker 2: but we talked about smart sensible direct investing and what
Speaker 2: to do and how to you know, I don't like
Speaker 2: to use the word hedge the market, but basically have
Speaker 2: still slow and steady returns and performance. That's what you're
Speaker 2: looking for. Many people make killings, also make big giant
Speaker 2: losses as well. So anyway, Steve, I'm going to talk
Speaker 2: to you right now. What's going on?
Speaker 21: Steve? Hey, Tom, I'm calling. I've got a business. We
Speaker 21: own a c transmission on Federal sixty seventh and Federal
Speaker 21: and now I'm on your referral. I'm on your referral
Speaker 21: list and I'm looking for a company that does snow
Speaker 21: removal from our parking lots and our sidewalk for this winter.
Speaker 21: But I don't see anything on your list, so I
Speaker 21: thought i'd just read you know what.
Speaker 2: I'll tell you why. We've had several try over the years,
Speaker 2: and here's what usually happens. We have landscapers who usually
Speaker 2: try to do that in the winter and they're not
Speaker 2: equipped to or they don't do a great job. It's
Speaker 2: not that they're bad, they don't cheat people. They just
Speaker 2: get in over their head. I have found it's a thing.
Speaker 2: It's a weird business because even the best people who
Speaker 2: want to do it can never plan for it. They
Speaker 2: either are overstaffed or understaffed because they don't want to
Speaker 2: pay people for being on standby it. But at the
Speaker 2: same time they have to be ready when the snow comes,
Speaker 2: and then they all have these crazy contracts like only
Speaker 2: come if there's so many inches or more. You know,
Speaker 2: it's it's just a very strange business to try to
Speaker 2: do a good job. So we've been unsuccessful in finding
Speaker 2: good people we know that wrong wrong say, and finding
Speaker 2: people who can make a go of it. There's plenty
Speaker 2: of good people in the business even now, but it's
Speaker 2: hard to make a go of it or to keep
Speaker 2: people happy, especially with heavy snows. Now there are I
Speaker 2: don't know what to tell you, man, There are businesses,
Speaker 2: you know. I have these these young men one time
Speaker 2: on my business that do window clean great guys, same story.
Speaker 2: They were hard to plan. They still do good jobs.
Speaker 2: They do commercial and residential. And then they tried doing
Speaker 2: snow removal, and their theory was, you know, we'll get
Speaker 2: We'll just have all of our window washers because if
Speaker 2: it's snowing, they're not doing windows. And it worked for
Speaker 2: a while, and I'm not sure if they're still doing
Speaker 2: it or not. And I don't know if i'd like
Speaker 2: to refer you to them, because I don't know of
Speaker 2: any that I can say beyond the shadow of a doubt.
Speaker 2: They do a great great place, they do a great job,
Speaker 2: and so therefore I don't have a recommendation. But I'm
Speaker 2: going to ask my listeners to call in or to
Speaker 2: text me if anyone knows good people who do snow removal.
Speaker 2: So if you listen, Steve, perhaps we can get an
Speaker 2: answer for all of us. So how's business. By the way,
Speaker 2: how is business at the transmission place?
Speaker 21: We are doing great. Tom been a real blessing. We've
Speaker 21: just we doubled our business and we've just people are
Speaker 21: fixing their cars and they don't want to go electric.
Speaker 21: So I'm telling you it's working out.
Speaker 3: Great for us.
Speaker 2: See if you ought to come over for car day
Speaker 2: one time, because we have a we have our car
Speaker 2: professionals on from time to time and we should really
Speaker 2: get you know, people on from the referrals who are
Speaker 2: in the business. Again. Uh, you know, we have all
Speaker 2: of our experts. We we love and I want to
Speaker 2: know something. What's the biggest job, not the biggest job,
Speaker 2: the most common transmission you're repairing? I'll bet you it's
Speaker 2: some kind of CBT. Is that what they call it? CBT?
Speaker 21: Well, we have been doing some of those. Most of
Speaker 21: those time, we've been replacing the complete units. But believe
Speaker 21: it or not, the twenty eighteen and newer gms and forwards,
Speaker 21: we're doing a lot of the eight and ten speeds.
Speaker 21: So all of the newer vehicles now are the star
Speaker 21: are they?
Speaker 2: Are they we week transmissions or what?
Speaker 21: Well, they're shifting too much. I think it's the main
Speaker 21: Oh never thought of that, sitting eight and ten times.
Speaker 21: So they're not lasting, but seventy five to one hundred
Speaker 21: thousand miles on some of these units, So it's kind of.
Speaker 17: Good for us.
Speaker 21: We've had a kind of a big learning curve to
Speaker 21: learn how to build them.
Speaker 17: But we're actually give.
Speaker 2: Me an example of a car that has that ten speed.
Speaker 21: Well, any of the big twenty five hundred, the Silverados
Speaker 21: and such are doing that. But I'm not really in
Speaker 21: that part of the business. I do most of the
Speaker 21: business side. But my two sons, of course and Derek,
Speaker 21: they run the business, but they they're always talking about
Speaker 21: the eight and ten speeds having a lot of problems now.
Speaker 2: And Steve, what about the what about the supply chain?
Speaker 2: How have you been How has it been for getting
Speaker 2: parts and stuff?
Speaker 21: Well, we've been doing really well, Tom, I think for us,
Speaker 21: I pay my vendors every two weeks, so I'm kind
Speaker 21: of on their hot list. When I need something, they
Speaker 21: go come get it to me. But our transmission suppliers,
Speaker 21: our main supplier, does really good for us. But there
Speaker 21: are times I'm not going to lie to you, Tom,
Speaker 21: we do have to get other sources. Yeah, part, and
Speaker 21: it adds time to the because of vendors, you know.
Speaker 21: It's yeah, they're having a tough time, so we have
Speaker 21: to go to several sources to build the transmission sometimes
Speaker 21: on some models, mainly the older models.
Speaker 2: Okay, now on transmissions, is most of it remove and
Speaker 2: replace with rebuilds or do you try to rebuild them
Speaker 2: yourself or what?
Speaker 3: Well?
Speaker 21: What we well, we do we try to rebuild them.
Speaker 21: We've got two builders in our company. I have over
Speaker 21: eighty years of experience.
Speaker 13: In our shop.
Speaker 2: Who building side?
Speaker 21: Yeah, yeah, so between the two guys, they've been around
Speaker 21: a while. They know how to do it. But we
Speaker 21: are totally transparent. We let our customers give them a
Speaker 21: price range before we even start on it. If we
Speaker 21: condemn the transmission, it's no charge for us to check
Speaker 21: the vehicle. And if we actually condemn it, then we
Speaker 21: we don't. We let them know what the price range is.
Speaker 2: And then now what is your is your website? I
Speaker 2: want to make sure I have the right one? Is
Speaker 2: your website? What is it AC transmission dot com?
Speaker 21: For AC transmission AC transmission dot com. We're on Federal sixty.
Speaker 2: Site sixty seven eighty yeah, yeah, right, And how and
Speaker 2: how long has that ocasion? How long has that location
Speaker 2: been there?
Speaker 21: Nineteen sixty five?
Speaker 2: Tom, whoa and see now that's really cool. That's good. Yeah,
Speaker 2: AC Transmission Center. Go ahead, Yeah, that's us.
Speaker 21: We're the second owners. I bought it from the original family,
Speaker 21: so we went from a family business to a family business,
Speaker 21: and that's the way we kept it. I've known the
Speaker 21: previous owner over thirty years, and I've always was really
Speaker 21: impressed by his shop and how he ran it. And
Speaker 21: I always told him that, hey, if I ever wanted to,
Speaker 21: if you ever wanted to sell it, maybe we can
Speaker 21: work something out. And that's what we actually did. We
Speaker 21: we bought it, bought the building and business and everything
Speaker 21: about four years ago.
Speaker 2: Oh, I just got a I just got a question
Speaker 2: by text asking do you guys go out and tow
Speaker 2: in for people.
Speaker 21: I do have a towing company that I sublet to good.
Speaker 21: We will tow it in for for We will tow
Speaker 21: it in for free if they do the work with me. Yeah,
Speaker 21: if they do do the work with me, then they'll
Speaker 21: just have to.
Speaker 12: Pay for the toe bill.
Speaker 21: But it's no charge for our customers.
Speaker 2: Thank you very much. Man. And and I want to
Speaker 2: give out the phone number on your site. Here's three
Speaker 2: oh three four two eight sure six five six six
Speaker 2: four to eight right, yeah, six five sixty six. So
Speaker 2: thanks man, thanks for calling in. And if we hear
Speaker 2: anything about snow removal, we will absolutely let you know.
Speaker 2: Thank you, Steve. Okay, now we have Drew coming up
Speaker 2: after the break. And also somebody said, Tom, you're getting
Speaker 2: old and you tease something and never came back to it.
Speaker 2: Do you remember what the tease was? Uh? Yes, it
Speaker 2: was uh costumes, Halloween costumes, the dues and don'ts and
Speaker 2: how to get canceled. But I will and I'll tell
Speaker 2: you why I won't forget this time, because I will
Speaker 2: be reminded of the horror of Halloween, because I'll be
Speaker 2: talking to Drew, just kidding around, just kidding around. Okay,
Speaker 2: we have we have more coming up on the Troubleshooter Show.
Speaker 2: Go with a sure Thing Denver's Best Roofer Excel roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass insurance paying too much your coverage at dozens
Speaker 2: of insurance companies. Find out now three oh three seven
Speaker 2: seven to one. Help You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate man dot
Speaker 2: Com list your home with Remax Alliance three all three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 2: troubleshooter three all three seven one three talk three oh
Speaker 2: three seven one three eight two five five? Why did
Speaker 2: Drew hang up every time I'm gonna go to him?
Speaker 2: He hangs up. Now I am going to talk about
Speaker 2: Halloween costumes. I am the dues and don'ts and not
Speaker 2: to get canceled. They've done a research around the country
Speaker 2: on it. Michael. What's going on with you? Michael, Welcome
Speaker 2: to the show.
Speaker 7: You're after the Battle of Little Big Horn Museum and
Speaker 7: stuff up there? No where is that up into Wyoming?
Speaker 7: Just you know.
Speaker 2: What I might have done that years ago. I might
Speaker 2: have done that, because that rings true. I might have
Speaker 2: gone up there with my motor home. Why do you ask?
Speaker 7: Because I'm curious if you are related, great great great
Speaker 7: grandfather would beep to Giovanni Martino, who is yes, barn so, yes.
Speaker 2: We have we have a Giovanni Martino in our family
Speaker 2: tree that goes way way back. My son is named
Speaker 2: after him, right.
Speaker 7: You you are related to the last surviving soldier of
Speaker 7: Custos last stand.
Speaker 2: You know, we we didn't claim that, by the way.
Speaker 2: We we just were told about it and we have
Speaker 2: never verified it. And it could be hold on, It
Speaker 2: could be that just somebody in our family decided to
Speaker 2: latch on to that.
Speaker 7: But he settled in New York or my wife, you.
Speaker 2: Know, Then it could be. It could be because and
Speaker 2: and of course most of the Italians started in New York. Anyway,
Speaker 2: there were a few that came straight while everyone went
Speaker 2: through uh of course, uh uh the island and then
Speaker 2: went out to a lot of them came out to
Speaker 2: Colorado and uh and then of course uh, New York
Speaker 2: and the and and thereabout on the East coast. Uh.
Speaker 2: Very few at the in the beginning went to California
Speaker 2: and then well the California wasn't really developed that well.
Speaker 2: And then also a big, big bunch of Italians rather
Speaker 2: than America went to Argentina.
Speaker 7: Oh that's right, Yeah, yeah.
Speaker 2: There's there's a big population of Italians in Argentina. So
Speaker 2: as far as the heritage goes, I've heard about Giovanni,
Speaker 2: my son's name Giovanni Martino. So it's kind of a
Speaker 2: cool heritage. And as I said, I never verified it.
Speaker 7: Did you need to be a neat thing to have.
Speaker 7: We are the last advising family.
Speaker 2: That's kind of cool. Yeah, it is. And there weren't
Speaker 2: many Italian soldiers back then in the cavalry.
Speaker 6: You know.
Speaker 7: He was assigned his Custer's buglers. Those days, they ran
Speaker 7: the army by doing bugle sounds.
Speaker 2: That's right, that's right, man. A lot about that.
Speaker 7: At the beginning of the battle, he got sent by Custer.
Speaker 7: He's the last one to see Custer alive.
Speaker 2: Now. One of the first people that told me about
Speaker 2: this was Bob Palmer, who used to be an anchorman
Speaker 2: at Channel four, then he went to seven and then
Speaker 2: came back to four. And I worked with Bob for many, many,
Speaker 2: many many years, and also my wife co anchored with him,
Speaker 2: Stephanie Riggs, And I remember I remember him telling me
Speaker 2: he was the consummate's collector and historian when it came
Speaker 2: to all things Custer. He really did. He had like
Speaker 2: memorabilia and relics from that error and from I think
Speaker 2: Custer himself. It was amazing. And he had told me
Speaker 2: about the bugler named Giovanni Martino the last surviving person,
Speaker 2: because he heard my name and he immediately knew, wait
Speaker 2: a minute, are you related to? And that's the first
Speaker 2: I ever heard of it. And then when I checked
Speaker 2: with other Italians, they of course they didn't verify, but
Speaker 2: they said yes. You know what I'm saying is so
Speaker 2: I'm not sure if they I'm not positive if they
Speaker 2: really know it or just want to claim it. So
Speaker 2: thank you for the call.
Speaker 7: Well you need to get this all Lake because the
Speaker 7: Marmons are big on that they got all the records.
Speaker 2: Yeah, I heard that. That's right. You're you're absolutely right.
Speaker 2: Three oh three seven one three talk three oh three
Speaker 2: seven one three eight two five five. So Kachina Calori, Kachina?
Speaker 2: Why did he hang up again? So he's been having
Speaker 2: issues with his phone.
Speaker 13: A landline, isn't it?
Speaker 2: Yeah, it is a It is a landline.
Speaker 1: I don't know exactly why it keeps cutting out, but
Speaker 1: that's pretty much what's happening right now.
Speaker 15: Bill.
Speaker 2: Yeah, he's going to have trouble.
Speaker 3: Man.
Speaker 2: I'm checking his his GoFundMe. He hasn't changed it. I
Speaker 2: I sent them suggestions. I refuse to log on and
Speaker 2: do it as him because it requires me to put
Speaker 2: in my phone number for the Verica verification over the account.
Speaker 2: I'm not going to take part in a private go
Speaker 2: fund me now. I'm told Colorado look at I'm not
Speaker 2: recommending them, but somebody texted me said they've used Colorado
Speaker 2: lawn Scaping for snow removal at three zero three four
Speaker 2: or five zero zero seven hundred. Somebody else texted and
Speaker 2: asked for Chris over at discount bath dot com does
Speaker 2: he see most people getting rid of their tubs completely
Speaker 2: or just having showers walking throughout the house or just
Speaker 2: part of it, or are they keeping any tubs at all?
Speaker 5: So the answer to that, if most is over fifty percent,
Speaker 5: then yes, are getting rid of the tubs completely completely.
Speaker 5: That's probably around sixty.
Speaker 2: I mean, tubs are old technology. Think about it as technology. Tubs.
Speaker 2: Tubs were made when you didn't have showers.
Speaker 5: Yeah, and I mean really it matters the house for
Speaker 5: sure because the big master bathrooms and there's room for
Speaker 5: a tub.
Speaker 6: Not all.
Speaker 13: But but you take that out of the equation. Most
Speaker 13: people shower.
Speaker 2: They're not clean. Tubs are not clean. I'm sorry. Tubs
Speaker 2: are disgusting in my opinion anyway three all three seven
Speaker 2: one three talks seven one three eight to five ive. Okay.
Speaker 2: The Halloween costumes, Yes, I am getting to it right now.
Speaker 2: The ten costume rules for Halloween parties according to the
Speaker 2: woke crowd. Now, I'm just kidding on the wolf crowd,
Speaker 2: but they are saying that they can be they can
Speaker 2: violate sensitivities, and they can violate that kind of stuff.
Speaker 2: First of all, I'm just going to tell you some
Speaker 2: never blackface ever. Never black unless you're black, then uh
Speaker 2: it's okay, But never blackface. And never dress as a
Speaker 2: woman if you're a man, and a man if you're
Speaker 2: a woman, because they're taking that as making fun of
Speaker 2: the transgender movement. Next, avoid slutty costumes. Keep it classy,
Speaker 2: avoid riskue, skin bearing or slutty okay. Next, stay clear
Speaker 2: of tragic events and religious innuendos. Okay. Do not go
Speaker 2: as a Holocaust victim, a martyr, anything. Do not jab,
Speaker 2: Do not make take any jabs at Muslim Islam or Christianity. Next,
Speaker 2: don't I think these all fall under this category. Don't
Speaker 2: be offensive. Well, all, everything we're talking about is fan
Speaker 2: Don't do something that will offend some well like the transphobic,
Speaker 2: the homophobic, makes fun of women or makes fun of men. Now,
Speaker 2: one time I thought, I want to know from you
Speaker 2: guys some of the funniest and clever, most clever costumes
Speaker 2: you've ever seen. Here's what I've seen. One time there
Speaker 2: was a guy that came there and he had this
Speaker 2: yellow suit on, just ian happy to be yellow, like
Speaker 2: a leisure suit. And there were little duckies or little
Speaker 2: uh chickens all over them, little tiny ones, the little
Speaker 2: plastic ones glued all over his suit. And he had
Speaker 2: a hat on with a banner on the hat that
Speaker 2: said chick magnet. That's kind of Oh you've seen that before?
Speaker 2: Oh it is okay. I thought that was clever, But
Speaker 2: now everyone's saying, yeah, well Tom, that's old hat. Okay.
Speaker 2: I didn't know that anyway, Avoid culturally based costumes. Don't
Speaker 2: dress up as a Mexican, hey, Tom, for a Native
Speaker 2: American or an Eskimo.
Speaker 19: What There was something on YouTube where a guy dressed
Speaker 19: up as a Mexican with a big hat and a mustache,
Speaker 19: and and he went to a college campus and everybody
Speaker 19: said it was offensive. Then he went into a Hispanic
Speaker 19: neighborhood and asked about ten Mexicans if they felt offended.
Speaker 19: Not one of them said that they were offended by it.
Speaker 19: They thought it was absolutely cool.
Speaker 2: Okay, yep, so they're going to these offensive nonsense. Next,
Speaker 2: don't dress up as a terrorist. Don't be Osama bin Laden,
Speaker 2: don't be any other terrorist. I don't even know any
Speaker 2: terror I couldn't name. Who could I name his terrorists? Anyway?
Speaker 2: Don't wear plastic body parts, breasts, buttocks, dildos. Can I
Speaker 2: say that? By the way, dragon, did you just is that? Okay? Yeah,
Speaker 2: that's what they said. Your costume should not insinuate the
Speaker 2: form of real body parts hanging off your body or
Speaker 2: out of your body. Consider your job, even though it's Halloween.
Speaker 2: For example, if you're teaching school, you don't want to
Speaker 2: wear something that your kids are going to see that
Speaker 2: will take away respect from the teaching profession. In other words,
Speaker 2: you wouldn't dress with a pack of cigarettes in your
Speaker 2: sleeve smoking your cigars. Don't dress as a cancer patient. Now,
Speaker 2: who the hell would do that? I mean, come on now,
Speaker 2: think about your future. Don't dress as anything that will
Speaker 2: come back to haunt you. Like for example, in the
Speaker 2: day when people did blackface, it haunts them. Now, think
Speaker 2: about things that may be considered offensive in the future.
Speaker 2: Oh my god, Now we have to worry about the future.
Speaker 2: Think about it. There have been many people that go
Speaker 2: and drag that would be and that it's considered a brong, unless,
Speaker 2: of course, you truly are a drag queen, then you
Speaker 2: can do it. Next, be sure you can still do
Speaker 2: your job if you wear your costume to work and
Speaker 2: they allow it. Don't wear a costume that would not
Speaker 2: allow you to do your job. For example, if you
Speaker 2: are an administrative assistant, you would not wear a straight
Speaker 2: jacket that would keep you from performing your duties. My god,
Speaker 2: somebody took time to actually write this article. This is
Speaker 2: an HR company that wrote this. Next. Next, Okay, this
Speaker 2: one's probably don't. Don't dress up as your boss. Okay.
Speaker 2: Don't drive or a coworker, even though you find it funny,
Speaker 2: especially exploiting any of the physical attributes of your boss.
Speaker 2: Case in point, if your boss has a big nose,
Speaker 2: you would not wear a costume with a giant nose.
Speaker 2: I can see that. If your if they have a
Speaker 2: big ass, you're not going to wear a big butt costume.
Speaker 14: That's already prohibited by one of the preceding prohibitions against.
Speaker 2: Not being a fencing park. Why don't we just why
Speaker 2: don't we just cancel Halloween in general? Think about it.
Speaker 14: I take issue with probitionion against the sluting costumes.
Speaker 2: No sluts, no sluts allowed. I take an issue with that,
Speaker 2: and I'll Boughton again. Most places would shut down. I mean,
Speaker 2: you can't go to Walmart anymore. Well, it's here to rule.
Speaker 2: Oh did I just say that out loud? I'm sorry?
Speaker 2: Three oh three seven one three A two five five.
Speaker 2: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Plea time for an insurance check up free no obligation.
Speaker 2: Comparison call Compass Insurance paying too much your coverage at
Speaker 2: dozens of insurance companies find out now three oh three
Speaker 2: seven to seven to one help. You'll think you're his
Speaker 2: only customer when you choose Frank durand the real estate
Speaker 2: Man dot com to list your home with Remax Alliance
Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martino, your troubleshooter three oh three seven one three
Speaker 2: talk three L three seven one, three eight two five five? Uh? Listen,
Speaker 2: how would you respond? Dragon? How would you respond to
Speaker 2: this text?
Speaker 21: Or?
Speaker 2: My YouTube morons can answer me whatever. Here's what it says.
Speaker 2: It's a text. Now, this is not to my Google number.
Speaker 2: This is to my cell phone number. My Google number
Speaker 2: comes to this cell phone, so it's private. But this
Speaker 2: is my actual cell phone number. And it says right here, Hi,
Speaker 2: I'm Zoo. That's XU. This is my new work phone
Speaker 2: and I found you in my address book? Do we
Speaker 2: know each other? How would you respond to that scam?
Speaker 13: You don't respond? Do reporters?
Speaker 2: Yeah? I mean, why do you think? And it's a
Speaker 2: three one oh number? Where's three one oh from?
Speaker 16: Why the way?
Speaker 2: Why wouldn't Zoo know me?
Speaker 13: Hm?
Speaker 2: Hm, you know what I'm gonna do. I'll tell you
Speaker 2: what I'm gonna do. I'm going to text him from
Speaker 2: my Google voice number or her Zoo. Oh, you're right, girl,
Speaker 2: let's just say they. I'm going to text them and
Speaker 2: I'm going to say, hey, this is my new work
Speaker 2: phone and I found you on my contact Do we
Speaker 2: know each other? I'm going to do that and see
Speaker 2: if I get a response. That'll be funny. Hunh somebody
Speaker 2: says it's fishy pH I s h you absolutely don't
Speaker 2: respond to that message, okay, And somebody else says, don't
Speaker 2: never mind, that's different. Erase it and report it as scam,
Speaker 2: as as a spam.
Speaker 13: Hey, Tom, you know what else they do.
Speaker 19: They'll call you up and I'll say, oh, is this
Speaker 19: Let's they call my number the hey is this James,
Speaker 19: and I'll say no. They said, oh, well, you sound
Speaker 19: like a nice guy. You want to have a chat,
Speaker 19: And they sort of try and get you to chat
Speaker 19: with them so they can get some personal information.
Speaker 2: Uh. Yeah, of course everything is in an effort to
Speaker 2: get information. Now, I want to read this text to
Speaker 2: my Google Voice which comes right to my cell phone,
Speaker 2: but I can read it on the computer as well.
Speaker 2: My Google Voice number for anyone that wants to text me.
Speaker 2: And if you want to text me about my other life,
Speaker 2: a financial advisor life. Now that I've turned that over
Speaker 2: as a public thing and my advisors now are working
Speaker 2: for not just me, you can text me there, but
Speaker 2: you can text me about the show two seven four, seven, nine,
Speaker 2: nine nine fifty two eighty. Somebody texted me and said, Tom,
Speaker 2: I'm serious. Now I'm a little tired of people making
Speaker 2: fun of the woke movement. Yes, they may sometimes sound ridiculous,
Speaker 2: but that's because conservatives make them sound ridiculous. What is
Speaker 2: wrong with not wanting to offend people? What is wrong
Speaker 2: with not wanting to be objectionable? When you were reading
Speaker 2: about those costumes in the workplace? I agree wholeheartedly, and
Speaker 2: I agree with most of the woke movement for preserving
Speaker 2: people's feelings and self image. What do you think because
Speaker 2: one of the shows that makes fun of woke movement
Speaker 2: more than anybody in the entire universe is Michael Brown,
Speaker 2: and Dragon, one of his cohorts, does the second half
Speaker 2: of my show. He's on right now. So Dragon, what
Speaker 2: do you think you guys have to be more sensitive? Well? Now, seriously,
Speaker 2: do they have a point? YouTube Warrens weigh in on it.
Speaker 2: Text me, what do you think?
Speaker 3: Call me?
Speaker 2: Is the woke movement? Now? I think the part that
Speaker 2: people have. I don't think people care about preferences. I
Speaker 2: don't care about people's preferences. If you don't like certain
Speaker 2: words and phrases, and you don't like certain things and
Speaker 2: you feel them offensive, I don't mind that. I think
Speaker 2: what bothers me is where people get canceled. Now, someone
Speaker 2: else texted me saying, there is no such thing as canceled.
Speaker 2: It is in the mind of Trump and his supporters. Now,
Speaker 2: I don't know, is there a such thing as canceled?
Speaker 2: I mean, are people.
Speaker 19: Sports casters have been fired because they let something slip
Speaker 19: that wasn't with the WOL community.
Speaker 2: And they can't get their job back. Name one. I
Speaker 2: don't know. I'm not challenging. I'm asking who.
Speaker 13: Gruden would be the most recent one?
Speaker 2: Who is that?
Speaker 13: John Gruden used to be the coach of the Raiders Dragon?
Speaker 2: What did he What did he do? Dragon?
Speaker 13: Some emails were.
Speaker 24: Leak that he apparently dropped a couple of N bombs
Speaker 24: referring to some of the players, and that got him
Speaker 24: fired and.
Speaker 2: Cantl Papa John. He had he left, I mean he
Speaker 2: had to leave his company. Okay, what about my pillow?
Speaker 2: His his company, Every major retailer canceled his product and
Speaker 2: he has to now sell direct to the public. Okay,
Speaker 2: what about that one basketball that I'm not and I'm
Speaker 2: not saying they shouldn't have been chastise or whatever, or
Speaker 2: they were great people, But remember that one NBA owner
Speaker 2: that talked about doing stuff for the blacks because of
Speaker 2: what he does and how he pays them. And then
Speaker 2: what about so there have been a lot of people
Speaker 2: who have been chastised or canceled. Can't you think of people?
Speaker 10: You know?
Speaker 19: Who gets away with almost everything? Tom is South Park.
Speaker 19: There's not one group or collections.
Speaker 13: They're making fun of everybody.
Speaker 19: They haven't insulted or made fun of, right Dragon.
Speaker 24: I would agree, Yeah, but they no holds barred against everybody.
Speaker 13: They don't pick and choose.
Speaker 19: Exactly, and nobody gets upset. It's been on the air
Speaker 19: for like one hundred and fifty years.
Speaker 3: Now.
Speaker 2: Howard Cosell years ago got fired and no one else
Speaker 2: had him on again because remember he you know what
Speaker 2: he said. I don't think he meant it as a
Speaker 2: racial thing, but you remember, and then who else?
Speaker 19: Well, what about the And there's a golf announcer who
Speaker 19: asked innocently if women with large breaths have to change
Speaker 19: it swing and wanted to hit the ball properly, and
Speaker 19: he got fired.
Speaker 2: H Okay, Megan Kelly, I watched the show where she
Speaker 2: got offended, where she offended people supposedly, and now Al
Speaker 2: Roker was so upset he could hardly talk. Okay, they
Speaker 2: were having a discussion about Halloween costumes and inappropriate Halloween costumes,
Speaker 2: oddly enough, like we were doing. Do you remember what
Speaker 2: she said? She said, Well, when I was growing up,
Speaker 2: there was nothing wrong with blackface. Now, what she meant
Speaker 2: is that, not that there was nothing wrong. What she
Speaker 2: meant was at the time people wore blackface. In other words,
Speaker 2: I knew exactly what she was saying. I don't think
Speaker 2: she was saying there's nothing wrong with it, and there
Speaker 2: was never anything wrong with it. She goes, Oh, when
Speaker 2: I was growing up, there was nothing wrong with it,
Speaker 2: meaning no one would point it out. She was fired
Speaker 2: over that.
Speaker 3: You look it up.
Speaker 2: That's what she was fired over. We got more coming
Speaker 2: up on the Troubleshooter Show. Go with a sure Thing
Speaker 2: Denver's Best Roofer Excel Roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check
Speaker 2: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies. Find
Speaker 2: out now three oh three, seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real Estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 2: three seven one three talk seven one three eight two
Speaker 2: five five. I'm getting you several tests for both for
Speaker 2: both guests. For for Chris on discount Beth, which we'll
Speaker 2: get to after the top of the hour. And also
Speaker 2: we have a question for financial a few on the
Speaker 2: investment firm and financial advisement firm. Hey, Chris, real quick
Speaker 2: sony go with a sure thing Denver's best roofer Excel
Speaker 2: Roofing dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free no obligation comparison
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three seven
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real Estate Man dot
Speaker 2: com to list your home with Remax Alliance three oh
Speaker 2: three nine two zero sixteen twenty two.
Speaker 6: Rip of.
Speaker 19: News.
Speaker 2: So you don't have run anxiousness as we can shoot us.
Speaker 2: Gonna come.
Speaker 4: This he is the Troubleshooter Show. No Tom Martino, Hi.
Speaker 2: Tom Martino here and that number three out three Martino,
Speaker 2: get me called twenty four to seven and we'll get
Speaker 2: you on the show and help you anyway we can.
Speaker 2: This show has been on for forty five years in Denver,
Speaker 2: longer elsewhere. And I've been fighting for consumers' rights responsibilities
Speaker 2: as well, meaning if you're wrong, I let you know,
Speaker 2: or if I think you're wrong, I'm not always right.
Speaker 2: But anyway, I want to go to the phones right now.
Speaker 2: Talk to Chris now. This robot dog he's talking about. God,
Speaker 2: they're expensive. And I've seen various robotics online. Some of
Speaker 2: them I almost thought were unreal. They looked so unbelievable.
Speaker 2: There was this one human form humanoid what do they
Speaker 2: call them when they're a human form? Anyway, and this
Speaker 2: robot was unbelievable. It sort of one everyone sees. I
Speaker 2: think if you look at it, I think it was
Speaker 2: Japanese and oh my, it can do backflips and all
Speaker 2: kinds of stuff, and you can't knock it over because
Speaker 2: of this balance servos. And anyway, Chris, tell me about this.
Speaker 2: Did you actually buy one of these? Yes?
Speaker 21: Let me give you a little bit of information.
Speaker 2: I'm gonna go ahead, sir, please all right.
Speaker 3: I'm a disabled person and I had to relinquish my
Speaker 3: very expensive dog to only one person, a very good
Speaker 3: friend of mine and the only person that I know
Speaker 3: in Colorado.
Speaker 2: But why did you have to Why did you have
Speaker 2: to do that?
Speaker 3: Because I'm disabled and I could not care for my dog. Okay,
Speaker 3: I got it, and so I researched and came up
Speaker 3: with Ibo Ai Bo. It's a product Ai robotic dog
Speaker 3: made by Sony for the last twenty some odd years.
Speaker 2: Yeah, I say it. I see it here online. What
Speaker 2: about it? Did you buy it? Yes?
Speaker 3: I bought it through direct Sony Direct.
Speaker 2: But what did you want it to do?
Speaker 3: I wanted to do. Have it do what it said
Speaker 3: it would do. It would make a good companion. Yeah,
Speaker 3: it'd be a good companion. I wouldn't have to see
Speaker 3: it if I didn't want to buy the bulls and
Speaker 3: spend the extra money. Yeah, would do tricks. You could
Speaker 3: teach it. And it took three years of about three
Speaker 3: hours a day. The battery life is about an hour
Speaker 3: and a half.
Speaker 2: And what can you teach? What kind of things?
Speaker 3: Now?
Speaker 2: It could not learn to do things like for a
Speaker 2: service dog right now, you just wanted a toy for
Speaker 2: tricks and stuff, well.
Speaker 3: And a companion to it made me feel warm having
Speaker 3: a dog.
Speaker 13: I've always I.
Speaker 2: Get it, I get it. So what happened?
Speaker 3: What happened? It did not work as stated I did
Speaker 3: a week and a half, ten days of research prior
Speaker 3: to buying it, speaking with Sony USA sales department and
Speaker 3: getting through to their Tier two Tech department, which handles
Speaker 3: whether they're going to decide to send it to warranty
Speaker 3: or a limited one year warranty that the dog came with.
Speaker 3: The dog was unable to change the color of eyes.
Speaker 3: And this is a special edition Sony Ibo Espresso model.
Speaker 3: It's called an ERS one thousand B. That's the model
Speaker 3: that I got, and it's a different color and the eyes.
Speaker 3: It's the only model that you can change the color
Speaker 3: of ice. That never worked. They make two models Sony,
Speaker 3: one for Japan, which is in Japanese, and one for
Speaker 3: the USA. One for Japan and US say both. You
Speaker 3: can use a smartphone, an Android or an iPhone. I
Speaker 3: used iPhone and when I finally initially set it up,
Speaker 3: it worked fine, and it worked fast. There's two types
Speaker 3: of eyebows that you get, slow learners and fast learners.
Speaker 3: So with all the time on my hands, since I'm
Speaker 3: pretty much not bedridden but in the house twenty four
Speaker 3: to seven, or doctor's appointments or pharmacies, I have this
Speaker 3: pet that I was able to sit in my chair
Speaker 3: and teach and play and teach a trick, cool tricks,
Speaker 3: and it just gave me. It wasn't like one hundred
Speaker 3: percent replacement of what I had to relinquish my Irish carrier,
Speaker 3: but it.
Speaker 2: Was close enough.
Speaker 3: So I had done this work. And then I relinquished
Speaker 3: my dog because they told me, oh, you can change
Speaker 3: your eyes. She can do cool tricks, but you got
Speaker 3: a teacher. She's an Ai. She takes three years to
Speaker 3: fully mature. I said, that's perfect. It's like from birth
Speaker 3: to a new dog. And I got a fast learner.
Speaker 3: The first five days it was flawless, and all of
Speaker 3: a sudden it started crashing into the wall, into my
Speaker 3: glass fireplace.
Speaker 2: There's a glass cover.
Speaker 3: Over my fireplace. It was crashing into that. Looking at
Speaker 3: its reflection, maybe it was crashing into the French doors
Speaker 3: of lead out into my balcony, which is next to
Speaker 3: the chair and that I sit in in my living
Speaker 3: room where I play with ibell Akai named her Lily.
Speaker 3: So so, I was on the phone on the sixth
Speaker 3: or seventh day with their highest tier tier two point
Speaker 3: five Sony technical department for only USA model, and they
Speaker 3: were giving me all kinds of of answers to the
Speaker 3: questions I was asking and telling me.
Speaker 2: To go to my eyebow.
Speaker 3: Well it didn't have that on the Apple app from
Speaker 3: the app store. I could not change the color of
Speaker 3: the eyes.
Speaker 2: And then well, okay, but hold on, but there were
Speaker 2: there were more problems than just the eye color, right.
Speaker 3: Oh yeah. It started crashing into stuff. It just flipped
Speaker 3: out and it started losing balance. Like you said with
Speaker 3: the humanoid thing, you know, the servos, Well something went
Speaker 3: wrong with that from it falling over and losing balance
Speaker 3: onto the hardwood.
Speaker 2: How much did you pay for this.
Speaker 3: Three thousand, three hundred and two dollars on fixed income. Yeah,
Speaker 3: that was with a pink ball, two dice, and an
Speaker 3: eyebone which is a fake bone. Yeah, and the charging
Speaker 3: pad which comes with the ibo. It was like twenty
Speaker 3: nine one hundred and some odd dollars plus tax, and
Speaker 3: then the toys plus tap. Yeah, it's about thirty three
Speaker 3: thirty three hundred. So they authorized the warranty and they
Speaker 3: told me this is a non refundable thing. I said,
Speaker 3: no in the first thirty days. I believe the state
Speaker 3: all states require if it's an electrical and I don't.
Speaker 3: I'm not sure. This is why I called. They have
Speaker 3: to either replace the whole unit because they couldn't fix
Speaker 3: the ear that kept coming off because IBO was crashing
Speaker 3: into the hallway work.
Speaker 2: So what did this? So they offered, they okay, so
Speaker 2: what are their offers to you? Let's sum it up.
Speaker 3: They said, they will try and get me a replacement,
Speaker 3: but it's not in their division. They ended up sending
Speaker 3: it to LA, having me send it on their dime
Speaker 3: to LA to their special UH repair department for us US.
Speaker 2: And what and what happened? What and what happened?
Speaker 3: This is where everything went wrong. They said, there's nothing
Speaker 3: wrong with Ibe. We've got her doing trips, but we
Speaker 3: can't change the color of her eyes.
Speaker 21: We don't know.
Speaker 13: And then I've.
Speaker 3: Misplaced an email saying that IBO from from their department
Speaker 3: may not be able to or it could have been
Speaker 3: from the marketing department who makes the decision to replace
Speaker 3: or refund, and and it I mean, it's.
Speaker 2: Not like Sonny. Sony needs the money for God's sakes,
Speaker 2: I mean, but but but Chris, it shouldn't be this
Speaker 2: heart of his under warranty. Are they going to.
Speaker 3: They're not. They're sitting on there, you know what, their
Speaker 3: laurel laurels and and not and giving me the run around.
Speaker 3: I'm a disabled person. I live alone on a very you.
Speaker 2: Know what, Dimitri, Let's kick their ass. I'm serious.
Speaker 3: This is when I legally Chris, Chris, what is she
Speaker 3: getting passed?
Speaker 2: Chris off?
Speaker 10: Chris.
Speaker 2: If you won't you, We're going to do it with you.
Speaker 13: Chris.
Speaker 14: What is the remaining issue that must be addressed? It
Speaker 14: of the eye, But is it just limited to the
Speaker 14: color of the eyes or is it still crashing into
Speaker 14: your fireplace?
Speaker 3: The I have not received it back. They've had my
Speaker 3: eyebowl longer than I bwonned it.
Speaker 10: Oh you haven't. You haven't received the back yet.
Speaker 2: Why won't they just send you a brand new one?
Speaker 3: And it's what I asked, and they said it's not.
Speaker 3: It's not their department to make that decision. They have
Speaker 3: to set go to marketing I have a direct number
Speaker 3: to a Natalie uh that that is handles the repair.
Speaker 2: Chris, hold on, wait and what does Natalie say? What's
Speaker 2: the last thing she said?
Speaker 3: She said that it's not up to her, it's up
Speaker 3: to the marketing departments.
Speaker 2: Did they give you did they give you a contact
Speaker 2: in the marketing department?
Speaker 3: No? No, no?
Speaker 2: Okay.
Speaker 3: Told me to call the Tier one and two people
Speaker 3: who I spoke to for ten days prior to making
Speaker 3: the purchase and relinquishing my dog, to make sure this
Speaker 3: was going to be a right fit and there would
Speaker 3: be no problems.
Speaker 2: And it's not. It didn't work. Chris out of the
Speaker 2: get Chris, Chris, I get it, And unfortunately this is
Speaker 2: the way it is with technology. This should not be
Speaker 2: this complicated. They should either replace it or refund it. Period.
Speaker 2: Did you pay on a credit card?
Speaker 3: I paid on a PayPal credit which is a little
Speaker 3: bit different.
Speaker 10: Yeah, but it's long ago.
Speaker 2: He can't contest it on PayPal.
Speaker 3: I can tell they accept it as a method of payment.
Speaker 3: They have to refund it, all of it.
Speaker 24: I'm not saying.
Speaker 2: I'm not saying they can't. No, I'm not saying they
Speaker 2: shouldn't refund it. I'm saying the credit it doesn't work
Speaker 2: like a regular one's credit.
Speaker 3: Card, one that works. And then I get this email
Speaker 3: from I don't know, I.
Speaker 2: Can't Is this actually is ABO a separate company or
Speaker 2: is it?
Speaker 3: No? No, it's it's it's a Sony product, but it's just.
Speaker 2: A canceled product. Now, listen, here's what we're gonna use
Speaker 2: a dog. I get it. Here's what we're gonna need
Speaker 2: to do. We're gonna need to get the contacts that
Speaker 2: you've talked to, names and numbers, and then I need
Speaker 2: to know the Do you have any kind of a
Speaker 2: receipt for this purchase?
Speaker 6: Uh?
Speaker 21: Yeah, but I don't have.
Speaker 3: My computer's not working old and my phone is kind
Speaker 3: of on the blink.
Speaker 2: Wait a minute, do you have do you have any
Speaker 2: kind of proof that is sent this dog? I have
Speaker 2: a Let me just look and do you have emails?
Speaker 2: Show proof?
Speaker 3: Tony has it because I have to send it in
Speaker 3: to show proof.
Speaker 2: Did you keep a copy? Yes? Did you? Okay, Chris,
Speaker 2: so you have a copy of the purchase?
Speaker 3: Right, I'm looking right here.
Speaker 2: Don't don't look while we talk. Here's what I want
Speaker 2: to know. Okay, you need to get proof that you
Speaker 2: owned it and that you sent it to them. Do
Speaker 2: you have proof you sent it to them? Yes?
Speaker 3: I do.
Speaker 2: Do you have any emails acknowledging that.
Speaker 3: They I have, Natalie will acknowledge that.
Speaker 2: Okay, did you have any Chris? I want short answers
Speaker 2: right now. I let you talk and talk and talk.
Speaker 2: I need to know. Do you have any emails from them?
Speaker 3: I have some for trying to troubleshoot it when it
Speaker 3: started to happen.
Speaker 2: Good. But that proves you had it. That's all I
Speaker 2: care about. I need to go back to dates and
Speaker 2: emails and people you talk to in phone calls. Okay,
Speaker 2: do you have any kind of written communication whatsoever about
Speaker 2: the problems that they verified that say say, oh, everything's
Speaker 2: working now except this or that? Was that all phone.
Speaker 3: Calls except the eyes and the ear.
Speaker 2: That's right, except the eyes and the ears. Did they
Speaker 2: tell you that in a phone call or in an
Speaker 2: email or in a text in.
Speaker 3: A phone call? No, no text, no phone call. It
Speaker 3: was all done through a very difficult number to get.
Speaker 2: Okay.
Speaker 3: And her name is Natalie, and she says she's working
Speaker 3: with them, and she's waiting till the end of the
Speaker 3: day to see what their decision is. And if they're
Speaker 3: going to we're going to help you twenty percent what they're.
Speaker 2: Going to charge you? What?
Speaker 3: What?
Speaker 2: What is this twenty.
Speaker 3: Percent restocking see fifteen or twenty percent restocking see of
Speaker 3: three thousand?
Speaker 2: No, they're not. No, they're not. No, they're not.
Speaker 3: That's what they's I.
Speaker 2: Don't care what they said. I don't care what they said.
Speaker 2: That's bull crap. Okay, if everything you're telling me is
Speaker 2: the truth, that's bull crap, Natalie. I mean, yeah, I
Speaker 2: know you don't have. By the way, just so.
Speaker 3: You know, tell her you're a lawyer, just as can
Speaker 3: I just say this, And no, we're not going to
Speaker 3: say we're a friend.
Speaker 2: We're going to say what we are and we're going
Speaker 2: to get into it. And I I just want you
Speaker 2: to know that we want to help you. And I
Speaker 2: think it's bs that you're going through this from a
Speaker 2: giant company like Sony. For God's sakes. I just can't
Speaker 2: believe it. I mean I can't. I can't believe you're
Speaker 2: going through this. I got to take your break. Hang on, bro,
Speaker 2: hang on. We're going to give this a deputy d.
Speaker 2: I want him to start on it. Then if he
Speaker 2: needs help, will bring in Bow and then if he
Speaker 2: needs more help, well we'll bring in I don't know
Speaker 2: if we want to bring in Doc ever. I'm just kidding, Doc.
Speaker 2: We got more coming up on the Troubleshooter Show. Go
Speaker 2: with a sure Thing Denver's Best Roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance check up free, no obligation comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three oh three seven to seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate Man dot com
Speaker 2: to list your home with Remax Alliance three oh three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martino, your
Speaker 2: Troubleshooter three O three seven to one three talk seven
Speaker 2: one three h two five five. Deputy D is gonna
Speaker 2: try to kick some ass on that one ABO. But
Speaker 2: he saw something on the Sony site for ABO. What
Speaker 2: does it say?
Speaker 14: D uh so right there on the home the landing
Speaker 14: site for this abo. The three thousand dollars abo dog
Speaker 14: Abo is sold as a final sale dash no return,
Speaker 14: So that looks like a really huge red foot.
Speaker 2: Is there anyone warranty?
Speaker 10: Though, Yeah, there's a warranty. I didn't get to that part.
Speaker 2: Okay, so it might be no return, but they certainly
Speaker 2: have to fix a replace.
Speaker 10: It's got to be under warranty. I don't question that.
Speaker 14: But when's the last time he saw a consumer good
Speaker 14: sold by the manufacturer as final sale national return?
Speaker 2: I really haven't. But can you imagine the day? And
Speaker 2: we all know it's coming, folks, we all know it's coming.
Speaker 2: You know what I'm thinking. Do you all know what
Speaker 2: I'm thinking? Instead of a bo it's going to be
Speaker 2: Mabel or Justine or Desiree. You got to give it
Speaker 2: a name, but it will be or Brad. Of course.
Speaker 2: I don't want to leave out anyone. So think about it.
Speaker 2: Think about the day, because you know, you know it
Speaker 2: is coming. As crazy as it may sound, there will
Speaker 2: be ai companions for people that are lifelike or at
Speaker 2: least never I don't want to get into I don't know.
Speaker 2: This is show is a family show. But you know
Speaker 2: what I'm talking. You know I'm talking about We know
Speaker 2: it's going to happen, but when will it happen. When
Speaker 2: will it actually happen? Hey, Keith, you have a question
Speaker 2: about health insurance. Welcome to the show. I'm Tom Martinez.
Speaker 2: What's going on, Keith?
Speaker 17: That's not it's a house insurance.
Speaker 2: We go, oh house, okay, got it, sir.
Speaker 17: Got our new policy. We're supposed to renew this year
Speaker 17: and it went up. It's a mobile hone on its
Speaker 17: some property and we own it, no mortgage. We were
Speaker 17: curious what happens if we just don't pay insurance?
Speaker 2: Just well, first of all, don't ever do that. Don't
Speaker 2: pay you, cancel on purpose, don't let it lapse. Yeah,
Speaker 2: so you in other words, if you cancel, don't let
Speaker 2: it lapse and they cancel you, there's a big difference. Okay,
Speaker 2: it'll affect your credit and everything. Cancel it right now, Yes,
Speaker 2: you would. You would just say I no longer need
Speaker 2: your insurance. Now listen what happens. This is the second
Speaker 2: call we got today, people who are considering not having insurance.
Speaker 2: The other lady already canceled insurance. And because your house
Speaker 2: is paid for, there is no law that says you
Speaker 2: have to have insurance, So nothing would happen. If nothing happens,
Speaker 2: So the biggest fear. The biggest fear I have for you,
Speaker 2: Keith is well, there's a few you lose it and
Speaker 2: you never replace it. But the other one is liability.
Speaker 2: Most insurance. The most important part in my opinion of
Speaker 2: homeowners right now is liability. I could probably literally afford
Speaker 2: to replace my roof if I had to, or replace
Speaker 2: my deck or a window or two. Probably not a
Speaker 2: massive law, not a whole loss. I mean when I
Speaker 2: say a four to two, I mean it wouldn't be
Speaker 2: worth it. It would be outrageously expensive and stupid. But
Speaker 2: most repairs, you know, I could probably but that I
Speaker 2: was still never consider not having insurance because of the liability.
Speaker 2: That's one. And you got to do the math my
Speaker 2: insurance in this house right now? God, I don't even know.
Speaker 2: I don't It might be sixty five hundred and seven
Speaker 2: thousand mis yeah, yeah, so if it's about seven grand
Speaker 2: a year, I mean, you'd have to go for my
Speaker 2: roof maybe I don't know, ten years without a loss
Speaker 2: to have enough money to pay for that and break even.
Speaker 2: I don't even think the math works out ever on
Speaker 2: So have you considered that how much would it cost
Speaker 2: to do an entire roof on your place.
Speaker 17: Well, we have considered it's a metal roof, and it's
Speaker 17: it's really well built, and we're not we're.
Speaker 2: Not wild well most okay thetalo. Then the only reason
Speaker 2: a metal roof has to be replaced usually is for
Speaker 2: cosmetic reasons. Yeah, so what I want to know is this,
Speaker 2: how much is your premium per year?
Speaker 17: The new premium is three grand?
Speaker 2: Oh my god? On a mobile home? Yeah, hold on
Speaker 2: a second, hold on, who's the carrier?
Speaker 17: American Modern?
Speaker 2: Hey? Can we get compass insurance on Kachina? We have time.
Speaker 2: I want to ask them a question about this that
Speaker 2: that sounds outrageous, and hold on teeth.
Speaker 17: The insurance companies have a credit report that they maintain, saying, oh,
Speaker 17: this guy wasn't covered, so now he goes in some
Speaker 17: high risk category for us.
Speaker 2: You're going to be higher risk, but not as high
Speaker 2: as if you let it lapse.
Speaker 17: But they do keep a credit report and it could effect.
Speaker 2: It's called clue. It's called clue.
Speaker 3: Yeah, that thing, I don't know.
Speaker 2: Let's ask what happens if you intentionally cancel, do not
Speaker 2: carry it and then want to get it? Let's ask
Speaker 2: you want a good good property? Oh, yeah. Yeah, Because
Speaker 2: in other words, if you want insurance on a different property.
Speaker 17: Yeah, what is your different to sell?
Speaker 2: What is your different property? Oh you mean if you
Speaker 2: sell this one?
Speaker 17: Yeah, if we sell this one and we have another property.
Speaker 2: All right, let's ask that kitchina. I hope you're working
Speaker 2: on it. Let's get Compass on. I'm Tom Martino. Will
Speaker 2: take this break and come back and try to find
Speaker 2: out some answers for you on this, because it's pretty important.
Speaker 2: Three oh three seven to one, three eight, two five
Speaker 2: five or three oh three Martino. Go with a sure
Speaker 2: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free, no obligation. In comparison, call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three oh three seven to seven to one. Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance oh three nine two zero sixteen
Speaker 2: twenty two. Hi Tom Martino, your troubleshooter three all three
Speaker 2: seven to one, three eight two five five. Now we
Speaker 2: have keith on and I want to get Brian Burns
Speaker 2: from Compass Insurance. The Insurance Healthcenter dot com is where
Speaker 2: they do their free insurance checkups. By the way, if
Speaker 2: you're ever looking for insurance. Three oh three nine nine
Speaker 2: six nine thousand, Brian Burns, I have a quick question
Speaker 2: for you. First and foremost, if I had a trail
Speaker 2: that it was paid off for a cabin or a house,
Speaker 2: and I I just didn't want to pay the outrageous
Speaker 2: insurance anymore, and I decided, you know what, I'm going
Speaker 2: to take my chances, and I just said to the company,
Speaker 2: cancel my policy at the end of the term. And
Speaker 2: I did not have insurance for let's say two years,
Speaker 2: three years, and then I sell it and buy a
Speaker 2: new place, will I be dinged as a high risk
Speaker 2: because of that? If I want to buy insurance then.
Speaker 23: Because you would be in that case, you'd be buying
Speaker 23: a new property. So you know, when they had asked me,
Speaker 23: if the question came up, why don't you have prior insurance,
Speaker 23: I say, because this is a new property. So but
Speaker 23: to your point, if if you didn't insure your house
Speaker 23: and then you came back to ensure it. Again, there
Speaker 23: are companies that will underwrite against that. I'm sure actuarials
Speaker 23: would probably show that that's not as good of a risk.
Speaker 23: I don't know because if I'm just guessing here, but
Speaker 23: I'm thinking that if people are coming back to get insurance,
Speaker 23: it could be because re existing they need to make
Speaker 23: a claim. Yeah. I mean, it's like, oh man, this
Speaker 23: is starting to get old. I want to get a
Speaker 23: you know, get insurance on it.
Speaker 2: Yeah.
Speaker 23: Yeah, yeah, so that I so I can get a
Speaker 23: claim filed.
Speaker 2: So so then I have another question then, and that
Speaker 2: is what about if I don't have insurance? What are
Speaker 2: my risks? Okay, I know I know what they are,
Speaker 2: the obvious ones, But what's the main thing that liability?
Speaker 2: What can happen? He has a he has a mobile home, Keith.
Speaker 2: Is it set up in a park or on private land?
Speaker 17: Private land? How much land by bakers?
Speaker 2: How big is the motor home? Or excuse me, the mobile.
Speaker 17: Home fifteen hundred square feet?
Speaker 2: Fifteen? Is it in two halves? In halves or it's
Speaker 2: a double wide and it's skirted or is it on
Speaker 2: a foundation?
Speaker 17: Skirted?
Speaker 2: Is it on a foundation? No?
Speaker 17: No?
Speaker 2: Okay? So Brian that. Do you know they want four
Speaker 2: grand to ensure that.
Speaker 23: Yeah, I don't blame it three grand. I'm sorry to
Speaker 23: do it.
Speaker 17: Yeah, yeah, I.
Speaker 2: Mean, what is the whole thing worth, Keith? What is
Speaker 2: that whole property? I don't mean like real estate wise,
Speaker 2: that trailer or that double wide? What is it worth?
Speaker 17: It's a ninety four? I bet I could get three
Speaker 17: thirty thousand cash for it.
Speaker 2: Maybe, No, you wouldn't for that double winde. Not with
Speaker 2: the lot.
Speaker 17: No, I'm not with the lot.
Speaker 2: No, I'm not talking about the lot. You're somebody that
Speaker 2: would come in and haul that away, would pay you
Speaker 2: thirty grand?
Speaker 17: Maybe? Yeah, it's in pretty good shape. I think they
Speaker 17: would pay thirty grand for it.
Speaker 2: Yeah, jeez, I don't know. Maybe anyway, what do you
Speaker 2: think three thousand dollars?
Speaker 23: Yeah, I mean, I don't blame them at all. I mean,
Speaker 23: he gets to a point where you're like this, this
Speaker 23: isn't worth it.
Speaker 2: The insurance is I'll take my I'll take my chances.
Speaker 2: He'll still have the land. How much is the land worth?
Speaker 17: That's got to be worth a couple hundred thousand.
Speaker 2: Okay, So then I think I have an answer, except
Speaker 2: what about liability Brian, I have another question. Can I
Speaker 2: buy just liability? Can I buy.
Speaker 23: Just just I just did this for somebody else that
Speaker 23: decided they wanted to self insure their house. They owned
Speaker 23: it out right, didn't want to insure it anymore, but
Speaker 23: wanted liability, and you can get comprehensive personal liability. I
Speaker 23: was able to find it. It was about eight hundred
Speaker 23: bucks a year, though, so.
Speaker 2: That's just no key. Liability is important if somebody gets
Speaker 2: hurt on your land, or somebody gets hurt in your
Speaker 2: house or something. I know you think, well, I'm not
Speaker 2: gonna have anybody. You know, somebody could be hiking and
Speaker 2: say you had an attractive nuisance or I don't.
Speaker 23: Know, Brian, No liability follows you too. It doesn't have
Speaker 23: to be on your land. It's not premise liability. This
Speaker 23: is personal liability. So if something happens away from the land,
Speaker 23: Let's say you had a dog and it bit somebody
Speaker 23: and while you're walking around, I mean any that's just
Speaker 23: an example, but anything like that would be personal liability.
Speaker 2: What was the limit on that? For the eight hundred
Speaker 2: a year?
Speaker 23: A million?
Speaker 2: Wow, Keith, I think you found a solution.
Speaker 17: Yeah, I'm sold. I'll give him a call.
Speaker 2: Yep, okay three oh three nine nine six nine thousand.
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Speaker 13: Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three three nine two zero sixteen
Speaker 2: twenty two. Hi Tom Martino, your troubleshooter. You have a
Speaker 2: question on furnace. Go ahead, Carlos, what's your question?
Speaker 22: Hey, Hey Tom? How are you?
Speaker 2: Hey? Good man? What's going on?
Speaker 22: You know I've been told that it's time to replace
Speaker 22: our furnace. We've got a twenty year old Lennox in
Speaker 22: the house, and last time we had to check out,
Speaker 22: they found some cracks in the heat exchanger. I'm just
Speaker 22: wondering if you guys.
Speaker 2: Well, if you truly have tracks in it. If you
Speaker 2: truly have cracks in it. Many people say that and lie,
Speaker 2: but b B, but you probably should replace it anyway,
Speaker 2: you'd save money on a twenty year old if you're
Speaker 2: going to be in the house a while. How big
Speaker 2: and how old is your house?
Speaker 22: It's the original furnace from two thousand.
Speaker 2: Okay, so your house was built in two thousand and three, correct,
Speaker 2: So it's pretty decently insulated. Yeah, then a high efficiency
Speaker 2: would save you a ton of money.
Speaker 22: Yeah, that's that's kind of what we have in there now.
Speaker 2: Well, the high efficiencies now are one hundred times better
Speaker 2: than they used to be.
Speaker 17: Oh, I'm sure they are.
Speaker 2: So what is your question? What is your question, Carlos?
Speaker 22: And do any of your recommended places have any kind
Speaker 22: of screaming deals or anything like that?
Speaker 2: Yeah, well, okay that they're all running certain deals, but
Speaker 2: you got to ask them now. I know Plumbline says
Speaker 2: if you buy it, they'll throw in that you'll get
Speaker 2: a free furnace if you install the AC part of it.
Speaker 2: Do you have AC?
Speaker 3: Okay, do you have AC? C?
Speaker 22: Yes, I do have AC and it's relatively new.
Speaker 2: Then you don't need that, so that but you still okay,
Speaker 2: then fix It twenty four to seven is always running
Speaker 2: certain specials. But if you call and talk to them,
Speaker 2: tell them that Tom told me that you would. I'm serious.
Speaker 2: Now Tom told me today. Check with him that you
Speaker 2: would give me a very special deal because I called in.
Speaker 2: I have a twenty year old unit and I really
Speaker 2: need it. All right, then then call eight eight eight
Speaker 2: Heating dot com as well.
Speaker 22: Okay, they're all.
Speaker 2: Good people, Carlos. Would you do me a favor and
Speaker 2: let me know what you do?
Speaker 22: Yeah, yeah, thank you.
Speaker 2: I appreciate that. Thank you very much. Okay, and discount
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Speaker 2: not here seven to zero nine seven nine, twenty three,
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Speaker 2: today only or for today and tomorrow for the rest
Speaker 2: of the week. You want to do anything or not,
Speaker 2: It's up to you.
Speaker 13: Yeah. I hadn't thought about what we could do.
Speaker 2: Well, let's think of it right now. If they go
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Speaker 5: The website free LVP floor in a hall bathroom if
Speaker 5: they do.
Speaker 2: The shower Okay, So they do the shower conversion, they
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Speaker 13: Correct.
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Speaker 2: dot com or seventy zero nine seven nine twenty three,
Speaker 2: twenty two. Pat Jolliffe with my company Wave eight Wealth Management,
Speaker 2: our question here is minimum to invest. We hear this
Speaker 2: a lot.
Speaker 12: Pat.
Speaker 2: It makes me nervous when people ask that because and
Speaker 2: by the way we are when it comes to investing,
Speaker 2: your money is with ours. Okay, so and we're not middlemen,
Speaker 2: and people want me to explain that, and I don't
Speaker 2: have a lot of time. But middlemen means we don't
Speaker 2: place your portfolio with other advisors and then make a
Speaker 2: fee in between, a middleman fee. So there's that's ninety
Speaker 2: eight percent of the model. When people say they're a
Speaker 2: financial advisor, they're not. They take your money and they
Speaker 2: might even do a good job. I'm not saying they don't,
Speaker 2: but they place it with a bigger advisor. That's not
Speaker 2: ideal for a lot of people. And you also want
Speaker 2: to know people have skin in the game, and a
Speaker 2: lot of times their own money is not even invested.
Speaker 2: Our money is one hundred percent invested in this company,
Speaker 2: our investable funds and right along with yours and no middleman.
Speaker 2: Now here's what I want to know. When people ask
Speaker 2: minimum amount, that makes me nervous. Do you know why?
Speaker 2: Because it sounds like maybe they don't have money? And
Speaker 2: don't you think people need an emergency fund before they
Speaker 2: even think about investing? Okay, I mean, so what would
Speaker 2: you say would be an emergency fund?
Speaker 15: Six months worth of expenses?
Speaker 2: Probably? Yeah? And then what else? Out of debt? High
Speaker 2: interest debt. If you have high interest debt, don't don't
Speaker 2: invest because that that's taken away from your return.
Speaker 15: To pay off a fifteen percent credit card, it's the
Speaker 15: same thing as earning fifteen percent.
Speaker 2: That's exactly right. So high interest debt get rid of,
Speaker 2: and then of course, have some emergency funds before you
Speaker 2: even think about it. I'm Tom Martino and you can
Speaker 2: reach us at three h three seven seveny one.
Speaker 3: Help