WEBVTT 1 00:00:00.920 --> 00:00:11.199 Yea ripped. You need advice, so you don't have to. 2 00:00:12.839 --> 00:00:15.640 Welcome running just as fast as you can. 3 00:00:16.879 --> 00:00:18.160 Shooter's gonna help. 4 00:00:18.440 --> 00:00:25.000 Come Dix is the Troubleshooter Show. Now, Tom Martino. 5 00:00:26.480 --> 00:00:30.199 Hello, Tom Martino here, Welcome to the show. Three zero 6 00:00:30.280 --> 00:00:34.039 three seven one three talk three oh three seven one 7 00:00:34.079 --> 00:00:38.719 three eight two five five. As always, we're here to 8 00:00:38.799 --> 00:00:41.600 help you, solve your problems, answer your questions. Take Can 9 00:00:41.640 --> 00:00:45.159 I just make your life just a little easier. We 10 00:00:45.240 --> 00:00:48.719 do have a markup on cam, but his audio not yet. 11 00:00:48.799 --> 00:00:54.119 We will get that done soon. Uh he's uh, he's 12 00:00:54.240 --> 00:00:57.640 but he will be joining us. And welcome to everyone. 13 00:00:58.640 --> 00:01:02.039 I have some guests today. I have Deputy D's always here. 14 00:01:02.159 --> 00:01:04.519 Now I don't mean that in a bad way. Uh, 15 00:01:04.760 --> 00:01:07.560 you know, like a bad penny. Is that what they say? 16 00:01:07.599 --> 00:01:10.640 Bad penny? Anyway, Deputy D's here. And then I have 17 00:01:10.719 --> 00:01:15.159 a guest Hannah Hannah Davis from UH from Fix at 18 00:01:15.159 --> 00:01:17.719 twenty four to seven. Hello, all of you. Hello, Deputy 19 00:01:17.760 --> 00:01:23.400 Doc in the studio. What's going on? You're doing? Good? Doc? Anyway, 20 00:01:23.439 --> 00:01:26.840 we are really ready to help. Okay, good and uh 21 00:01:27.439 --> 00:01:31.079 bo oh Bo's there too, Hey Bo, thank you very 22 00:01:31.159 --> 00:01:34.280 much for being here. I put up those smoke I 23 00:01:34.319 --> 00:01:36.280 put up those smoke detectors. You got me? 24 00:01:37.280 --> 00:01:37.879 Did they fit? 25 00:01:38.439 --> 00:01:39.519 They fit perfectly. 26 00:01:39.719 --> 00:01:40.400 I knew they would. 27 00:01:40.840 --> 00:01:43.040 You see, Bo was in the biz for a long time, 28 00:01:43.079 --> 00:01:47.239 a supplier and a contractor for HVAC. And you know, 29 00:01:47.760 --> 00:01:52.400 I want to talk about in general, business in general 30 00:01:52.760 --> 00:01:56.799 and some of the challenges that I think they have. 31 00:01:56.799 --> 00:02:00.719 Have consumers changed a lot? Do you think I'm going 32 00:02:00.799 --> 00:02:05.280 to take calls, but I want to ask very quickly, Hannah, 33 00:02:05.319 --> 00:02:11.120 have consumers changed a ton as far as expectations. 34 00:02:11.960 --> 00:02:14.639 You know what I think it is is consumers more 35 00:02:14.680 --> 00:02:18.000 than anything, or relying on each other. So when they 36 00:02:18.120 --> 00:02:22.520 hear other people that have used a company, that's what 37 00:02:22.560 --> 00:02:23.240 they're looking at. 38 00:02:23.360 --> 00:02:27.080 They're looking at. They rely a lot on. They rely 39 00:02:27.240 --> 00:02:31.240 a lot on personal references, don't they. Yes, they really have. 40 00:02:31.479 --> 00:02:33.360 And you see that in the online space. 41 00:02:33.680 --> 00:02:35.479 You look at those reviews and if there's just a 42 00:02:35.560 --> 00:02:38.719 point one more star, that's where people are going. 43 00:02:39.000 --> 00:02:41.639 The littlest change that can impact anything. One of the 44 00:02:41.639 --> 00:02:46.840 biggest problems is inconsistency. I'll tell you that will kill 45 00:02:46.840 --> 00:02:49.840 a business. So if you're in business, Peep or you're 46 00:02:49.840 --> 00:02:54.479 an entrepreneur, I'm going to tell you something. Inconsistency will 47 00:02:54.560 --> 00:03:01.719 hurt you, even if listen carefully. The incancy is one 48 00:03:01.840 --> 00:03:07.120 toward a positive trend. Now you just wait for that 49 00:03:07.840 --> 00:03:12.120 inconsistency and we'll talk about it. I'm serious, now, you 50 00:03:12.280 --> 00:03:15.240 as you know, when I talk, I swear to you 51 00:03:15.319 --> 00:03:19.240 I don't give my personal well I do give my 52 00:03:19.280 --> 00:03:21.360 personal opinion, but I'll let you know it's personal. This 53 00:03:21.439 --> 00:03:26.000 one is fact based on more than three hundred now 54 00:03:26.039 --> 00:03:29.840 probably more than four hundred thousand conversations directly with consumers. 55 00:03:30.039 --> 00:03:32.039 I've always said this before. No one has talked to 56 00:03:32.080 --> 00:03:35.400 more consumers than me. Ever, no one, not one consultant, 57 00:03:35.879 --> 00:03:39.680 no one ever has done it directly. Okay, so let's 58 00:03:39.719 --> 00:03:41.159 go to the phones and then I'm going to talk 59 00:03:41.199 --> 00:03:44.360 about inconsistency. And you'll be shocked at what I mean 60 00:03:45.000 --> 00:03:53.639 by excellence can hurt you. I'm intrigued that seriously. Now, Carl, 61 00:03:54.000 --> 00:03:56.759 you have an issue with dental Carl, are you the 62 00:03:56.800 --> 00:04:04.159 one that sent pictures of your implants your X rays? Yeah? Letter, 63 00:04:04.800 --> 00:04:09.439 Oh but you didn't you attach X rays? Doc? 64 00:04:09.960 --> 00:04:10.360 I did? 65 00:04:11.199 --> 00:04:17.600 Oh? Oh my god. Now I'm no dentist, but holy 66 00:04:17.680 --> 00:04:25.680 crap oli, was that shocking when I looked at these home. Man, 67 00:04:25.839 --> 00:04:28.959 these pictures I might bring actually, I might bring them up. 68 00:04:29.040 --> 00:04:31.639 I might bring this up. I'm going to download it 69 00:04:31.879 --> 00:04:35.319 and see if I can. But yeah, I might do that. 70 00:04:35.759 --> 00:04:39.879 But bottom line, god, it looked like it looked like 71 00:04:39.920 --> 00:04:43.079 a kid playing legos. I mean, so now, I don't 72 00:04:43.120 --> 00:04:46.839 know if implants what they're supposed to look like, to 73 00:04:46.879 --> 00:04:50.560 be honest with you, but they look crooked and slanted 74 00:04:50.720 --> 00:04:54.600 and crazy. So here's what I want to know. Where 75 00:04:54.639 --> 00:04:56.199 are we with this deputy doc? 76 00:04:56.279 --> 00:04:57.920 Okay, here, here's what it was. 77 00:04:58.519 --> 00:05:03.959 Carl was going to call two attorneys that I gave 78 00:05:04.040 --> 00:05:06.240 them the names of to see if they would take 79 00:05:06.279 --> 00:05:10.839 his case. I was waiting to hear from him to 80 00:05:10.920 --> 00:05:12.600 see if they were going to take his case. 81 00:05:12.639 --> 00:05:15.519 I think they will. Well, I don't think they will die. 82 00:05:15.879 --> 00:05:19.720 It's very I'll tell you why they're not going to well. 83 00:05:19.959 --> 00:05:23.000 He anyway, he was going to call them last week. 84 00:05:23.319 --> 00:05:27.480 I just got today a detailed letter of all of 85 00:05:27.519 --> 00:05:31.279 his experiences with them, and he was supposed to call 86 00:05:31.360 --> 00:05:33.360 me after he spoke to these. 87 00:05:33.399 --> 00:05:35.800 I'll tell you why he's not going to get malpractice here, 88 00:05:36.560 --> 00:05:40.319 very easy. There's no damages to that they can there's 89 00:05:40.480 --> 00:05:42.040 the damages aren't big enough? 90 00:05:42.839 --> 00:05:47.920 Okay, Well, I just got a detailed description of all 91 00:05:48.040 --> 00:05:51.040 the ups and downs of what he went through, which 92 00:05:51.079 --> 00:05:53.240 I will review and get back to him. 93 00:05:53.399 --> 00:05:55.879 Now I'm going to put this picture up right now 94 00:05:56.160 --> 00:06:00.959 for those streaming. You know, it's on YouTube trouble Shooter Network. 95 00:06:01.319 --> 00:06:05.879 But these are his implants and there's one two three 96 00:06:06.000 --> 00:06:09.680 four five on the top, one two three four five 97 00:06:09.800 --> 00:06:12.800 six on the bottom, and they look weird. But for 98 00:06:12.920 --> 00:06:17.000 all I know, I don't know. Maybe maybe that's the 99 00:06:17.040 --> 00:06:19.480 way if anyone is a professional there can look at 100 00:06:19.480 --> 00:06:22.920 those and let us know. But here's the thing. He 101 00:06:22.959 --> 00:06:26.800 has had other dentists say it looks like malpractice. Is 102 00:06:26.839 --> 00:06:27.879 that correct? 103 00:06:29.160 --> 00:06:29.439 Yes? 104 00:06:29.480 --> 00:06:29.839 It is? 105 00:06:30.639 --> 00:06:35.959 Now did you talk because but would any of them 106 00:06:36.040 --> 00:06:40.079 go on the record. If you can't get no one 107 00:06:40.160 --> 00:06:42.680 to go on the record, If you can't get someone 108 00:06:42.720 --> 00:06:46.439 to go on the record to say it's malpractice, then 109 00:06:46.480 --> 00:06:48.639 you have a problem. You'll never be able to bring 110 00:06:48.639 --> 00:06:51.240 a suit. But I think even if you get someone 111 00:06:51.279 --> 00:06:54.160 to say it's malpractice, Carl, how old did you say 112 00:06:54.240 --> 00:06:54.560 you were? 113 00:06:56.759 --> 00:06:59.120 My birthday will be the twenty seven to that that 114 00:06:59.160 --> 00:06:59.920 means nothing to me. 115 00:07:00.120 --> 00:07:04.839 All of you thirty four seventy five. Okay, man, Okay, listen, listen. 116 00:07:05.279 --> 00:07:08.800 I think here's the Here's god. How do I put this? 117 00:07:10.279 --> 00:07:13.120 There's not a lot of losses. They can sink their 118 00:07:13.160 --> 00:07:16.079 teeth upun sink their teeth. 119 00:07:15.879 --> 00:07:20.560 Into you have look at Can I say something? 120 00:07:20.639 --> 00:07:24.480 Well, just wait one second. The temporary place you paid 121 00:07:24.480 --> 00:07:28.079 eighteen grand? All right? Did you pay eighteen Yeah? 122 00:07:29.240 --> 00:07:31.399 I still have Yeah, I paid eighteen I still have 123 00:07:32.319 --> 00:07:35.720 the ten permanent yet and it's been well, like the 124 00:07:35.800 --> 00:07:37.000 letter says, it's been. 125 00:07:36.920 --> 00:07:37.480 Only a year. 126 00:07:37.600 --> 00:07:40.839 So go ahead, go ahead with your laws. See, Carl, 127 00:07:41.879 --> 00:07:45.079 you can never afford yourself to bring a maut practice 128 00:07:45.079 --> 00:07:48.199 suit because now I'm serious when I tell you it's 129 00:07:48.199 --> 00:07:50.519 a minimum of one hundred thousand dollars to get to 130 00:07:50.519 --> 00:07:54.279 the courtroom door a minimum, okay. And for anyone to 131 00:07:54.399 --> 00:07:58.199 invest for an attorney to take this onto contingency they 132 00:07:58.240 --> 00:08:01.519 would want, they would have to invest about one hundred grand. 133 00:08:02.560 --> 00:08:04.800 Maybe not because of their own time, but it would 134 00:08:04.839 --> 00:08:07.000 be one hundred grand with their time. But it would 135 00:08:07.040 --> 00:08:10.800 be like professional witnesses, depositions, et cetera, et cetera. They 136 00:08:10.800 --> 00:08:13.000 have to pay their snographers, they have to pay their 137 00:08:13.639 --> 00:08:16.839 the professional witnesses. They have to put up a war chest. 138 00:08:17.120 --> 00:08:19.720 So for that one hundred grand, they get a third 139 00:08:19.800 --> 00:08:22.519 of what they collect. So let's say they collect three 140 00:08:22.639 --> 00:08:26.720 hundred grand, They've made nothing on this case zero In fact, 141 00:08:27.240 --> 00:08:29.480 that they're going to lose money because once it goes 142 00:08:29.519 --> 00:08:32.519 to court, that it's more than one hundred grand. So 143 00:08:32.720 --> 00:08:36.159 what I'm getting at, Carl, and I'm talking to everyone 144 00:08:36.200 --> 00:08:41.639 with malpractice, I would say one in five hundred malpractice 145 00:08:41.720 --> 00:08:49.440 claims are worth bringing to court. Now, what did you 146 00:08:49.480 --> 00:08:49.960 want to see? 147 00:08:50.480 --> 00:08:50.759 Tom? 148 00:08:51.879 --> 00:08:54.919 Is what I wanted to say is the pain I 149 00:08:54.960 --> 00:09:00.679 have in the upper I don't think of going to 150 00:09:00.799 --> 00:09:05.440 a bone specialist and let him see how many implants 151 00:09:05.519 --> 00:09:08.919 is in there and if he can figure out I 152 00:09:09.000 --> 00:09:09.480 had one. 153 00:09:10.559 --> 00:09:15.919 Okays, they hit a nerd. They hit a nerd, Carl? 154 00:09:16.120 --> 00:09:17.600 Is why I have that pain? 155 00:09:17.879 --> 00:09:22.960 Carl? Carl, Okay, Okay, I understand that. Do you know 156 00:09:23.039 --> 00:09:29.279 the concept of losses and damages? I'm not unsympathetic with 157 00:09:29.360 --> 00:09:34.039 your pain. It's terrible. Everything, all of this is terrible. 158 00:09:34.639 --> 00:09:39.480 But what would a jury award you after putting in 159 00:09:39.919 --> 00:09:42.159 one hundred to get to the courtroom in one hundred 160 00:09:42.159 --> 00:09:45.279 and fifty with a trial or more. What would you 161 00:09:45.399 --> 00:09:49.639 be granted at seventy four years old. I'm not saying 162 00:09:49.679 --> 00:09:52.320 it's not worth anything, but what do you think they'd 163 00:09:52.320 --> 00:09:55.919 give you a million dollars? I don't know, I don't know, 164 00:09:56.879 --> 00:09:58.240 I don't you know. 165 00:10:00.600 --> 00:10:04.080 Tom My pain objective. 166 00:10:04.360 --> 00:10:06.799 Is to get away from the pain and get it 167 00:10:06.960 --> 00:10:07.799 straightened out. 168 00:10:08.200 --> 00:10:11.639 I am so with you. I know Carl's saying, I'm 169 00:10:11.639 --> 00:10:13.559 not looking for a payday. I just want to be 170 00:10:13.639 --> 00:10:17.200 out of pain. So what do these a holes say 171 00:10:17.240 --> 00:10:21.080 to you at the dental place? Do they have a 172 00:10:21.120 --> 00:10:25.600 plan to get you out of pain? No? 173 00:10:26.039 --> 00:10:29.039 Every time I talk to them, they walk, they talk around, 174 00:10:29.039 --> 00:10:31.919 and I ask him about the pain, and they say 175 00:10:32.000 --> 00:10:34.559 that'll go away. And I said, you know what's ben? 176 00:10:34.960 --> 00:10:38.960 Are you talking about Colorado Surgical? Are you talking about 177 00:10:39.039 --> 00:10:42.799 Colorado Surgical Institution? So, Doc, really all you did was 178 00:10:42.840 --> 00:10:44.919 have him call an attorney. Is at the bottom line? 179 00:10:44.960 --> 00:10:46.320 I said, call the attorney. 180 00:10:46.600 --> 00:10:49.399 Well, of course, okay, then what did you call Colorado? 181 00:10:49.440 --> 00:10:50.440 Did you call the place? 182 00:10:51.279 --> 00:10:51.480 No? 183 00:10:51.639 --> 00:10:55.399 Because if he got an attorney to take the case, 184 00:10:55.799 --> 00:10:59.000 then they would they would call them and get medical records, 185 00:10:58.960 --> 00:10:59.399 et cetera. 186 00:11:00.080 --> 00:11:03.279 Told Carl call these two attorneys if they. 187 00:11:03.200 --> 00:11:10.639 Don't, Carl, what's that? Did you call the law firms? 188 00:11:12.360 --> 00:11:12.519 Yeah? 189 00:11:12.559 --> 00:11:12.960 I sure? 190 00:11:13.080 --> 00:11:15.399 Did I call them? Not only did I call them, 191 00:11:15.440 --> 00:11:16.639 I send them the paperwork? 192 00:11:16.720 --> 00:11:18.039 Did I say what did they say? 193 00:11:18.480 --> 00:11:19.399 What did they say? 194 00:11:19.559 --> 00:11:19.720 Well? 195 00:11:19.759 --> 00:11:23.840 They can't they they don't either don't handle it no 196 00:11:23.879 --> 00:11:25.480 more or they don't have the time. 197 00:11:25.559 --> 00:11:25.960 They end. 198 00:11:26.159 --> 00:11:29.279 Okay, okay, And he tells you he was going to 199 00:11:29.320 --> 00:11:32.120 get back to me, and then I will follow up 200 00:11:32.159 --> 00:11:32.559 from there. 201 00:11:32.879 --> 00:11:35.240 I okay, good. I don't think they don't think. Let 202 00:11:35.240 --> 00:11:37.960 me translate for you. They don't think it's a good case. 203 00:11:38.000 --> 00:11:39.600 Okay, So I will follow up on it. 204 00:11:39.679 --> 00:11:39.879 Tom. 205 00:11:40.039 --> 00:11:40.440 That's it. 206 00:11:40.519 --> 00:11:42.559 I mean, I don't know what else to say. I'm 207 00:11:42.559 --> 00:11:45.799 Tom Martino. Three oh three seven one three talks seven 208 00:11:45.840 --> 00:11:48.799 one three two five five Waterpros dot Net. I love 209 00:11:48.879 --> 00:11:52.360 talking about water Pros because this year in special has 210 00:11:52.480 --> 00:11:57.039 never been better. You can get a whole house water 211 00:11:57.120 --> 00:12:01.360 softening system along with reverse osmo Is drinking water for 212 00:12:01.440 --> 00:12:05.440 thirty one ninety five. You have to understand the extraordinary deal. Okay, 213 00:12:05.559 --> 00:12:09.279 even with water Pros, those systems would be over five grand, 214 00:12:09.279 --> 00:12:13.360 but plumbers would charge over twelve three all three eighty six, 215 00:12:13.480 --> 00:12:17.240 two five, five, five four waterpros dot net. You'll never 216 00:12:17.279 --> 00:12:20.360 get a better deal. Give yourself a Christmas present early 217 00:12:20.399 --> 00:12:28.519 thirty one ninety five. Go with a sure thing Denver's 218 00:12:28.559 --> 00:12:31.480 best roofer Excel Roofing dot com. You don't pay a 219 00:12:31.559 --> 00:12:38.080 cent until you're content. Time for an insurance check up free, 220 00:12:38.120 --> 00:12:41.840 no obligation. In comparison, call Compass Insurance paying too much 221 00:12:41.960 --> 00:12:44.919 your coverage at dozens of insurance companies find out now 222 00:12:45.000 --> 00:12:47.480 three all three seven seven to one. Help. You'll think 223 00:12:47.519 --> 00:12:50.080 you're his only customer when you choose Frank durand the 224 00:12:50.120 --> 00:12:52.759 real estate Man dot com to list your home with 225 00:12:52.879 --> 00:12:58.360 Remax Alliance three all three nine two zero sixteen twenty two. Ki, 226 00:12:59.159 --> 00:13:03.919 Tom Martinez, your troubleshooter. I'm gonna boost that that audio 227 00:13:04.000 --> 00:13:06.679 there and then if you I'm sorry, but if you 228 00:13:07.120 --> 00:13:09.720 can't take it, get out of the kitchen, right all right? 229 00:13:09.759 --> 00:13:12.039 Three oh three seven one three talk seven one three 230 00:13:12.159 --> 00:13:17.200 eight two five five Do I sound like a robot? Anyway? 231 00:13:17.679 --> 00:13:21.720 Let's keep going here and take these calls. Alec. I'm 232 00:13:21.759 --> 00:13:23.879 sorry to hear you're having a problem with a death 233 00:13:23.960 --> 00:13:26.480 in the family. What's going on, Alex? I'm Tom Martine. 234 00:13:28.639 --> 00:13:30.159 I'm a big fan of you guys, and thank you 235 00:13:30.200 --> 00:13:31.840 for helping so many people. 236 00:13:31.960 --> 00:13:32.960 What's going on with you? 237 00:13:34.039 --> 00:13:34.559 Uh? 238 00:13:34.679 --> 00:13:41.759 My father suddenly passed away Tuesday afternoon, and yeah, it's hard, 239 00:13:41.960 --> 00:13:42.759 you know at hap home? 240 00:13:43.320 --> 00:13:43.559 Was it? 241 00:13:43.759 --> 00:13:46.879 You said it was sudden, so nothing expected? Was How 242 00:13:46.879 --> 00:13:48.399 old was he? H? 243 00:13:48.519 --> 00:13:49.320 He was sixty four? 244 00:13:49.480 --> 00:13:53.759 Sixty four years by today's standards. Was there anything wrong 245 00:13:53.799 --> 00:13:55.679 with him so to speak, as far as a disease 246 00:13:55.799 --> 00:13:56.240 or anything? 247 00:13:57.840 --> 00:14:02.279 So we found out after uh, you know, he passed 248 00:14:02.320 --> 00:14:06.440 from the corner that his last doctor's appointment, he was 249 00:14:06.440 --> 00:14:09.320 diagnosed with heart failure, but he kept out from us all. 250 00:14:09.480 --> 00:14:12.519 So when was that? When was he diagnosed with that? 251 00:14:14.120 --> 00:14:15.320 A little over a year ago? 252 00:14:16.000 --> 00:14:18.320 Oh my goodness. Was there anything he could have done 253 00:14:18.360 --> 00:14:18.840 about it? 254 00:14:20.600 --> 00:14:23.720 It's hard to say because he did speak to me 255 00:14:24.120 --> 00:14:28.080 very little after the appointment. We lived together and you know, 256 00:14:28.120 --> 00:14:29.440 we were very close. 257 00:14:30.320 --> 00:14:31.120 Did he look not? 258 00:14:31.279 --> 00:14:31.399 What? 259 00:14:31.519 --> 00:14:35.080 Did he look apparently unhealthy? Did he was nomended when 260 00:14:35.080 --> 00:14:38.240 he walked? Or didn't? Was he? Oh? 261 00:14:38.360 --> 00:14:38.720 Very much? 262 00:14:38.759 --> 00:14:41.080 So he worked out every day, very active active? 263 00:14:41.440 --> 00:14:44.320 Oh my goodness. Really, yeah, it was quite a shock 264 00:14:45.360 --> 00:14:48.360 like that. Was it coronary artery disease or was it 265 00:14:48.480 --> 00:14:51.639 heart failure? Because of some defect or what. I'm just 266 00:14:51.720 --> 00:14:53.000 curious more than anything. 267 00:14:53.720 --> 00:14:56.000 Oh, I don't blame the I am too. Actually I 268 00:14:56.039 --> 00:14:58.600 didn't speak to the corner. My mother relaid the imptation 269 00:14:58.720 --> 00:14:58.960 to me. 270 00:15:00.000 --> 00:15:03.279 Anyway, go ahead, No, no, I'm listening. 271 00:15:04.159 --> 00:15:07.320 Oh they just what I was told is that his 272 00:15:07.480 --> 00:15:12.320 arteries were all clogged, but there was no defects and 273 00:15:12.480 --> 00:15:15.360 he didn't suffer from a heart attack. He just collapsed 274 00:15:15.399 --> 00:15:17.799 and was pretty much dead instantly. 275 00:15:20.679 --> 00:15:25.000 Okay. You know, this is what's funny, and it's not funny, 276 00:15:25.000 --> 00:15:28.279 but weird is that most heart attacks do not come 277 00:15:28.320 --> 00:15:31.720 from clogged arteries. I mean, people think they do, and 278 00:15:31.759 --> 00:15:36.039 they don't. But clogged arteries are never a good thing. 279 00:15:36.600 --> 00:15:40.919 It's a sign of other problems. But in any case, 280 00:15:40.960 --> 00:15:42.519 what are you calling about today? 281 00:15:43.440 --> 00:15:43.879 Okay? 282 00:15:44.679 --> 00:15:48.240 So it has to do with my father's social security Okay, 283 00:15:48.240 --> 00:15:51.799 and for my mother. You know, they've been married for 284 00:15:52.080 --> 00:15:55.759 I don't know, thirty three years somewhere around there, and 285 00:15:55.919 --> 00:16:00.759 you know, I didn't know if she's eligible to receive 286 00:16:00.799 --> 00:16:03.039 it now that he's passed, or the process. 287 00:16:03.120 --> 00:16:05.120 Okay, here's the way. How old is your mom? 288 00:16:06.360 --> 00:16:09.759 My mom is fifty fifty eighty eight, and. 289 00:16:09.759 --> 00:16:11.320 Was he on social Security. 290 00:16:12.159 --> 00:16:13.080 Yes, sir, yes, sir. 291 00:16:13.519 --> 00:16:17.639 Okay, So the way it normally works, you know what 292 00:16:17.720 --> 00:16:20.600 I let me let me tell you the way it 293 00:16:20.679 --> 00:16:23.240 normally works that I know of it, and then I'll 294 00:16:23.240 --> 00:16:25.360 look it up or we'll get one of our experts. 295 00:16:25.360 --> 00:16:28.200 But normally what happens is, did your mom work. 296 00:16:29.279 --> 00:16:30.279 My mom's currently working. 297 00:16:31.840 --> 00:16:38.240 Okay, your mom gets survivor's benefits up to the point. 298 00:16:38.759 --> 00:16:44.759 See if his is if his half of Social Security 299 00:16:45.480 --> 00:16:49.559 is more than what she gets, she will get supplemented 300 00:16:49.679 --> 00:16:52.759 up to that point. I believe up to half of 301 00:16:52.840 --> 00:16:56.240 what that's the survivor's benefit. But she can only get 302 00:16:56.240 --> 00:16:59.960 that when she retires. You don't get survivor's benefits unless 303 00:17:00.080 --> 00:17:07.559 you're a minor child. So, and he was only sixty four, 304 00:17:07.720 --> 00:17:11.200 so he was on Ah, he was not on full 305 00:17:11.240 --> 00:17:12.920 Social Security. He took it early. 306 00:17:13.680 --> 00:17:14.519 Yeah, it was partial. 307 00:17:14.640 --> 00:17:16.680 It's because a couple of years ago he was diagnosed 308 00:17:16.720 --> 00:17:19.039 with cancer and we were working together at the time. 309 00:17:19.240 --> 00:17:23.000 Oh and once he was diagnosed, you know, it's like, well, Dad, 310 00:17:23.200 --> 00:17:24.559 you know, I might as well do it now because 311 00:17:24.599 --> 00:17:26.200 we don't know how long you got when you got. 312 00:17:26.559 --> 00:17:28.319 Oh and what happened to his cancer? 313 00:17:29.079 --> 00:17:29.559 He beat it. 314 00:17:29.880 --> 00:17:31.119 He was in remission. Remission? 315 00:17:33.680 --> 00:17:36.720 Wow, what kind of cancer was it? This guy's a fighter. 316 00:17:36.799 --> 00:17:37.160 Huh. 317 00:17:37.799 --> 00:17:40.680 Oh to the day he died, to the day he died. 318 00:17:40.839 --> 00:17:42.839 So your mom is how old? Did you say? I'm 319 00:17:42.839 --> 00:17:44.880 punching it into your Social Security site. 320 00:17:44.960 --> 00:17:47.079 Okay, she's also a disabled veterans. 321 00:17:49.720 --> 00:17:51.319 Well, is she on disability? 322 00:17:52.720 --> 00:17:53.319 Yeah? 323 00:17:53.359 --> 00:17:54.519 Partial, partial, but. 324 00:17:54.559 --> 00:18:03.559 She's working yeah yeah, huh. Okay, Well, I don't know 325 00:18:03.599 --> 00:18:06.440 what that does. I don't think I don't think that 326 00:18:06.480 --> 00:18:11.480 affects it one way or the other. Okay, So I'm 327 00:18:11.519 --> 00:18:14.880 putting this into the site here and see what it says, 328 00:18:14.920 --> 00:18:17.759 and we'll come back to you. Okay, hold on, Yes, sure, 329 00:18:18.240 --> 00:18:20.000 and I'll try to get an answer from one of 330 00:18:20.000 --> 00:18:24.160 our experts. But they have I'm on their website right now, 331 00:18:24.839 --> 00:18:27.720 and oh it says your mom. Okay, hold on. Mother's 332 00:18:29.160 --> 00:18:34.079 wives are eligible for survivor benefits from Social Security. What 333 00:18:34.160 --> 00:18:37.319 they do is generally they receive survivor benefits as early 334 00:18:37.440 --> 00:18:43.519 as sixty, but the benefit amount will be reduced if 335 00:18:43.559 --> 00:18:48.039 you take it before her full retirement age. If she 336 00:18:48.240 --> 00:18:54.480 has a disability, she may be able to start benefits early. Again, 337 00:18:54.559 --> 00:18:57.640 though if she starts benefits early, they'll be less than 338 00:18:57.680 --> 00:19:02.359 if she waits he waits until her full retirement age, 339 00:19:02.440 --> 00:19:07.160 which is usually sixty seven for that generation, she could 340 00:19:07.160 --> 00:19:12.240 receive one hundred percent of the dad's benefit. Oh, I 341 00:19:12.279 --> 00:19:16.680 didn't realize that. Wow, I did not know that. See, 342 00:19:16.720 --> 00:19:22.079 I am always confused at this But so and did 343 00:19:22.079 --> 00:19:25.039 you make an appointment? She should make an appointment for 344 00:19:25.160 --> 00:19:28.039 Social Security and get the low down at the But 345 00:19:28.599 --> 00:19:34.680 normally I thought it was half anyway. So normally survivor's 346 00:19:34.720 --> 00:19:37.559 benefits are at retirement age, which I was right about. 347 00:19:37.599 --> 00:19:40.599 With a disability, you can take it early, and in 348 00:19:40.720 --> 00:19:46.079 other circumstances you can take it at sixty. So just 349 00:19:46.240 --> 00:19:50.799 see if that's really the best information I have. So 350 00:19:50.880 --> 00:19:53.599 do me a favor and let me know what you 351 00:19:53.640 --> 00:19:57.799 find out with a meeting. Her disability will make a 352 00:19:57.839 --> 00:20:03.079 big difference. Even if she's getting disability payments partial, it 353 00:20:03.119 --> 00:20:05.839 will make a difference. Three oh three seven to one 354 00:20:05.920 --> 00:20:08.759 three talk seven one three eight two five five. GARYL 355 00:20:08.799 --> 00:20:11.680 has a problem with Best Buy. Peter's calling about an 356 00:20:11.720 --> 00:20:16.400 issue with an AC and speaking of acs and furnaces, Hannah, 357 00:20:16.640 --> 00:20:20.640 let's talk real quick here. So for thirty nine bucks, 358 00:20:20.680 --> 00:20:23.160 fix it twenty four to seven does the extreme clean. 359 00:20:23.839 --> 00:20:26.039 This is for the furnace, and now is the time 360 00:20:26.079 --> 00:20:29.720 to do this. Get it ready for the winter. Decrease 361 00:20:30.279 --> 00:20:33.240 your utility bills. And you know this, tom dirt, dustin 362 00:20:33.279 --> 00:20:37.720 debris number one cause of those insanely expensive breakdowns. 363 00:20:38.039 --> 00:20:40.400 This is so easy to prevent if people do this, 364 00:20:40.839 --> 00:20:42.839 If people do this from the beginning, I mean even 365 00:20:42.880 --> 00:20:45.920 with new furnaces every couple of years, Yeah, they're going 366 00:20:46.000 --> 00:20:48.759 to prevent. They're going to keep that thing a long 367 00:20:48.920 --> 00:20:49.480 long time. 368 00:20:49.599 --> 00:20:52.359 The amount of money they save on bills and also 369 00:20:52.400 --> 00:20:55.319 those repairs, it's absolutely amazing. And that's that's what we 370 00:20:55.519 --> 00:20:57.880 love to hear from those customers. Yes, and this is 371 00:20:57.880 --> 00:20:59.200 for first time customers. 372 00:20:58.839 --> 00:21:01.240 All right. Three three seven one three eight two five five. 373 00:21:01.279 --> 00:21:03.039 By the way, I took down the hideous teeth. I 374 00:21:03.079 --> 00:21:05.720 wanted it up there so my one attorney could look 375 00:21:05.720 --> 00:21:08.240 at it and give an opinion. We have more coming 376 00:21:08.319 --> 00:21:10.440 up on the Troubleshooter Show. Three oh three seven one 377 00:21:10.440 --> 00:21:17.519 three a two five five Go with a sure Thing 378 00:21:17.640 --> 00:21:20.960 Denver's Best Roofer Excel roofing dot com. You don't pay 379 00:21:20.960 --> 00:21:27.039 a cent until you're content. Time for an insurance check 380 00:21:27.119 --> 00:21:31.000 up free, no obligation in comparison call Compass Insurance paying 381 00:21:31.039 --> 00:21:34.079 too much your coverage at dozens of insurance companies. Find 382 00:21:34.079 --> 00:21:36.440 out now three oh three seven seven to one help. 383 00:21:36.599 --> 00:21:39.240 You'll think you're his only customer when you choose Frank 384 00:21:39.319 --> 00:21:41.759 durand the real estate man dot com to list your 385 00:21:41.799 --> 00:21:44.960 home with Remax Alliance three oh three nine two zero 386 00:21:45.039 --> 00:21:50.119 sixteen twenty two. Hi Tom Martino here, three oh three 387 00:21:50.160 --> 00:21:52.960 seven one three talk three L three seven one three 388 00:21:53.079 --> 00:21:56.240 A two five five. So Daryl, what is your issue 389 00:21:56.559 --> 00:21:57.559 with best Buy? 390 00:21:57.920 --> 00:21:58.119 Sir? 391 00:21:58.319 --> 00:22:05.279 What is your issue? Are you there? Darryl and my 392 00:22:05.359 --> 00:22:10.440 brother Daryl, my other brother Darryl. I'll tell you we 393 00:22:10.480 --> 00:22:14.519 haven't had a complaint on best Buy in a long time. 394 00:22:15.680 --> 00:22:19.799 I will say that. So let's talk to Peter. Peter. 395 00:22:19.960 --> 00:22:24.559 What's happening, Tom Martinez? 396 00:22:24.680 --> 00:22:27.279 Thank you Air Force a vet here. I'm calling about 397 00:22:27.319 --> 00:22:30.960 in your condition unit my daughter had put into her 398 00:22:30.960 --> 00:22:32.839 house thirty five hundred dollars later. 399 00:22:33.400 --> 00:22:35.680 She's having a lot of problems with it. 400 00:22:36.359 --> 00:22:39.480 Just the she put in, just the AC. She put in, 401 00:22:39.759 --> 00:22:43.839 just the AC. Yes, sir, Okay. 402 00:22:44.440 --> 00:22:46.839 Now the great news is my. 403 00:22:46.880 --> 00:22:51.960 Daughter Sarah is here to explain it, because honestly, that's. 404 00:22:51.799 --> 00:22:54.359 All I know, just a concerned. 405 00:22:53.920 --> 00:22:56.920 Father, just thankful that you're taking her call and maybe 406 00:22:56.920 --> 00:22:57.799 you get to the bottom of it. 407 00:22:57.839 --> 00:22:59.359 All right, let me let me, let me talk to her. 408 00:22:59.400 --> 00:22:59.920 What's her name? 409 00:23:02.039 --> 00:23:02.839 Sarah? 410 00:23:02.960 --> 00:23:05.759 Okay, hey, Sarah, are you there? Sarah? 411 00:23:07.160 --> 00:23:07.559 I'm here? 412 00:23:07.599 --> 00:23:08.119 Can hear me? 413 00:23:09.079 --> 00:23:12.920 Very very little? Go ahead? Are you there? Yeah? Get off? 414 00:23:13.279 --> 00:23:16.799 Just get on there, Okay, Sarah, let's talk, Sarah. I 415 00:23:16.839 --> 00:23:19.079 want to ask a couple of questions. So when did 416 00:23:19.079 --> 00:23:20.519 you have the A C done? 417 00:23:22.079 --> 00:23:22.160 So? 418 00:23:22.799 --> 00:23:26.440 I purchased my house about three years ago. The following 419 00:23:26.559 --> 00:23:30.359 year we had the A C you replaced under the 420 00:23:30.400 --> 00:23:31.079 home warrant. 421 00:23:32.000 --> 00:23:35.559 Oh and and uh wait wait wait wait? So so 422 00:23:35.759 --> 00:23:38.920 three years ago you bought your house and then and 423 00:23:38.960 --> 00:23:41.880 then two years ago, a year after that, you had 424 00:23:41.920 --> 00:23:45.599 it replaced. Okay, got it? Uh and they replaced just 425 00:23:45.680 --> 00:23:49.400 the A C. They replaced just the AC unit. 426 00:23:51.279 --> 00:23:52.119 Correct. 427 00:23:52.480 --> 00:23:55.559 Okay. I am shocked that you got them to do that, 428 00:23:55.640 --> 00:23:58.839 But that's good. So, uh, then did you have to 429 00:23:58.839 --> 00:24:01.160 spend money? Your dad said, thirty five hundred? I thought 430 00:24:01.160 --> 00:24:02.319 you said the warranty did it? 431 00:24:04.039 --> 00:24:07.799 So the warranty covered the replacement of the AC. Now, 432 00:24:07.960 --> 00:24:12.839 the company that they referred us to recommended we upgrade 433 00:24:13.200 --> 00:24:16.440 to a larger unit, which is what cost us the 434 00:24:16.480 --> 00:24:18.720 thirty five hundred dollars on top of it. 435 00:24:19.279 --> 00:24:23.759 Okay, okay, okay, that was a rip I'm sorry. 436 00:24:24.240 --> 00:24:25.319 That sucks. 437 00:24:25.640 --> 00:24:26.160 I don't mean. 438 00:24:26.240 --> 00:24:28.359 I don't mean they ripped you off. What I'm saying 439 00:24:28.480 --> 00:24:35.119 is anyway, anyway, so you decided to upgrade and you 440 00:24:35.160 --> 00:24:39.279 had to pay an extra thirty five hundred. 441 00:24:39.359 --> 00:24:43.519 Then what happened right based on their recommendation? 442 00:24:43.599 --> 00:24:44.759 I get it, I get it. 443 00:24:45.359 --> 00:24:49.079 So what did you go from? What did you upgrade 444 00:24:49.119 --> 00:24:52.319 from what to what? What would have been put in there? 445 00:24:54.400 --> 00:24:57.799 Gosh, and I don't have it. I want to say 446 00:24:57.880 --> 00:24:58.559 four thousand? 447 00:25:02.880 --> 00:25:04.240 Sorry, Okay. 448 00:25:04.240 --> 00:25:07.759 What I meant was, do you know what you got 449 00:25:07.799 --> 00:25:10.519 in efficiency? As far as seer goes. 450 00:25:11.759 --> 00:25:15.119 Like, do you know what's that information? Off the top 451 00:25:15.160 --> 00:25:16.640 of my No, I don't. 452 00:25:16.839 --> 00:25:21.799 But okay, Then another question for you the cost the 453 00:25:21.799 --> 00:25:23.640 warranty was paying us? How much. 454 00:25:25.559 --> 00:25:28.039 The warranty covered the cost of the AC, which was 455 00:25:28.039 --> 00:25:32.000 approximately seven thousand, and. 456 00:25:31.960 --> 00:25:37.839 Then you added to that thirty five hundred, correct? Got it? Okay? 457 00:25:38.079 --> 00:25:38.880 Keep going. 458 00:25:41.640 --> 00:25:45.799 Fast forward a year and we have the same issues 459 00:25:45.839 --> 00:25:50.680 with this AC, the same freezing issues, and we're confused 460 00:25:50.680 --> 00:25:53.559 because we just purchased this or purchased. 461 00:25:53.119 --> 00:25:58.519 The AC, so we have no So that AC started 462 00:25:58.640 --> 00:26:02.680 freezing up, correct. 463 00:26:02.319 --> 00:26:05.720 Which was the same original problem, which is why we 464 00:26:05.839 --> 00:26:07.640 had it replaced in the first place. 465 00:26:09.480 --> 00:26:13.119 Okay, which was the same problem as the first one. Now, 466 00:26:13.160 --> 00:26:16.200 what does your warranty company say? 467 00:26:17.359 --> 00:26:23.279 Now, the warranty company referred us to the h VAC company. 468 00:26:22.960 --> 00:26:25.880 That in well, of course, and who was that HVAC 469 00:26:25.960 --> 00:26:32.799 company Metro Home Services, Metro Home Services, And what do 470 00:26:32.880 --> 00:26:33.880 they say about this? 471 00:26:35.799 --> 00:26:38.799 No, we had them to come out because they had 472 00:26:38.799 --> 00:26:43.559 a one year service warranty and they told us to 473 00:26:43.599 --> 00:26:44.759 replace our furnace. 474 00:26:46.160 --> 00:26:51.640 And oh, so they say the air Okay, so they're okay, 475 00:26:51.720 --> 00:26:53.759 I know what they're saying. They're saying the air is 476 00:26:53.799 --> 00:26:56.000 not keeping up, the furnace is not keeping up with 477 00:26:56.039 --> 00:26:57.960 the new AC. I don't know if that's true or 478 00:26:58.039 --> 00:27:01.400 not correctly. I'd want to ask on my easel, can 479 00:27:01.440 --> 00:27:03.839 you get somebody from Fixing to come on. We're going 480 00:27:03.880 --> 00:27:04.599 to get an expert. 481 00:27:04.680 --> 00:27:05.279 Whole question. 482 00:27:05.839 --> 00:27:08.279 We're going to Oh, Bow's an expert. To Bow a 483 00:27:08.359 --> 00:27:10.319 little ahead, but I want to get fix It on too. 484 00:27:10.359 --> 00:27:14.200 Go ahead, Bow, Sarah have an important question when they 485 00:27:14.279 --> 00:27:15.720 replace the air conditioner. 486 00:27:15.759 --> 00:27:17.440 They replace the unit outside. 487 00:27:17.519 --> 00:27:21.480 Right, they did replace the unit outside. 488 00:27:21.519 --> 00:27:25.119 Okay, did they replace the coil in your basement or 489 00:27:25.160 --> 00:27:27.119 at it evaporate your coil? 490 00:27:28.960 --> 00:27:33.759 They did replace that as well. We did have a 491 00:27:33.799 --> 00:27:37.519 couple other companies come out and they said it was 492 00:27:37.559 --> 00:27:41.680 a poor installation. The unit is leaning to one side, 493 00:27:42.839 --> 00:27:46.599 it's not installed properly on the outside, so the coil 494 00:27:46.720 --> 00:27:49.160 is just sitting on the ground outside of the No. 495 00:27:49.160 --> 00:27:51.680 No, the coil is not outside, soil inside. 496 00:27:51.720 --> 00:27:54.319 But you're having the exact same problem with it freezing 497 00:27:54.400 --> 00:27:56.119 up from the unit from three years ago. 498 00:27:57.880 --> 00:27:59.960 Correct, correct sounds right? 499 00:28:00.200 --> 00:28:02.519 Listen, Okay, what do you think it was both three 500 00:28:02.599 --> 00:28:02.960 years ago? 501 00:28:03.119 --> 00:28:07.559 It's obviously lack of free on or an airflow problem. 502 00:28:07.559 --> 00:28:09.240 But if she's having the same. 503 00:28:09.359 --> 00:28:12.519 Problem, choke it down. Can the furnace show. 504 00:28:12.440 --> 00:28:14.839 Us my next question? Did they replace your furnace? 505 00:28:15.519 --> 00:28:18.279 No, that's what they're recommending. Now, then that was the 506 00:28:18.319 --> 00:28:18.839 whole idea. 507 00:28:18.920 --> 00:28:22.720 I would suggest the furnace blower. Isn't that pushing enough air? 508 00:28:22.920 --> 00:28:25.079 Yeah, so they're saying get a new furnace, so they're 509 00:28:25.119 --> 00:28:26.799 not entirely off base. 510 00:28:27.400 --> 00:28:27.799 No. 511 00:28:28.880 --> 00:28:33.680 Okay, Now, when you say a poor installation. By the way, Sarah, 512 00:28:33.759 --> 00:28:37.519 let me explain that. They mean it's probably not neat. 513 00:28:37.839 --> 00:28:40.079 I don't know bo they said it was leaning and 514 00:28:40.200 --> 00:28:43.440 other what did they say? It was a defective installation? 515 00:28:45.640 --> 00:28:48.880 They the three of the other companies that I paid 516 00:28:49.039 --> 00:28:49.599 to come out? 517 00:28:49.680 --> 00:28:52.160 And you who are the other companies you paid to 518 00:28:52.200 --> 00:28:55.000 come out? Who are the other companies? 519 00:28:55.480 --> 00:28:58.200 Priority Plumbing, which is an amazing company. 520 00:28:58.279 --> 00:28:59.240 I love them. 521 00:28:59.440 --> 00:29:03.119 Okay, the other two I do have in my records, 522 00:29:03.160 --> 00:29:03.960 although I don't. 523 00:29:04.079 --> 00:29:06.079 And what did they all say the top of my 524 00:29:06.519 --> 00:29:08.440 did any of them say you have to redo the 525 00:29:08.480 --> 00:29:10.559 whole Did any of them say you have to redo 526 00:29:10.599 --> 00:29:11.240 the whole thing? 527 00:29:13.400 --> 00:29:17.519 They said that we were recommended too big of a 528 00:29:17.599 --> 00:29:18.519 unit for our home. 529 00:29:20.000 --> 00:29:20.279 Did that. 530 00:29:22.920 --> 00:29:25.920 If the coil in the air conditioner was oversized? She 531 00:29:26.000 --> 00:29:27.240 did say she upgraded it. 532 00:29:27.359 --> 00:29:29.319 They tried to get thirty five hundred from hers, what 533 00:29:29.400 --> 00:29:29.799 I think. 534 00:29:29.720 --> 00:29:32.240 But she's having the same problem with the older unit. 535 00:29:33.240 --> 00:29:35.400 Oh that's true, you know, because it could have been 536 00:29:35.400 --> 00:29:36.880 the furnace from the beginning. 537 00:29:36.599 --> 00:29:39.519 And I don't think the unit leaning or out of 538 00:29:39.519 --> 00:29:40.920 alignment would have anything to do. 539 00:29:41.319 --> 00:29:45.440 Here's what I want to do. Okay, you had three experts. 540 00:29:45.519 --> 00:29:50.279 What are you calling about today. 541 00:29:49.240 --> 00:29:53.359 I'm like a little direction, please. I've contacted the Metro 542 00:29:53.920 --> 00:29:56.359 again just to have them come out and look at 543 00:29:56.359 --> 00:29:59.000 the thing. They also cut a hole into the side 544 00:29:59.039 --> 00:30:01.839 of the unit, so I don't I can't even put 545 00:30:01.880 --> 00:30:09.079 my air filter in because there is a why. 546 00:30:06.599 --> 00:30:08.400 Did they Why did they cut a hole? 547 00:30:08.880 --> 00:30:11.799 I think from and I like having an expert on 548 00:30:11.799 --> 00:30:15.880 the line too, but I think because the unit was oversized. 549 00:30:16.240 --> 00:30:20.480 They needed that airflow to accommodate for the oversized unit. 550 00:30:20.680 --> 00:30:24.079 So I just wanted as. 551 00:30:24.000 --> 00:30:26.559 A point, what does you have a point about? 552 00:30:26.640 --> 00:30:29.880 They cut a circular rectangular hole in the ductwork to 553 00:30:30.039 --> 00:30:33.559 try to get more airflow across the so there's sucking 554 00:30:33.640 --> 00:30:36.519 additional air from the basement to try to get across 555 00:30:36.519 --> 00:30:36.920 the cost. 556 00:30:37.000 --> 00:30:39.920 That does sound like some kind of oversized problem. But 557 00:30:40.000 --> 00:30:40.559 I don't know what. 558 00:30:41.039 --> 00:30:43.519 I want BO to take this problem, and if they 559 00:30:44.599 --> 00:30:48.079 I have a feeling. I have a feeling they had 560 00:30:48.079 --> 00:30:52.519 you upgrade so they could collect extra cash. And I 561 00:30:52.519 --> 00:30:55.200 don't like this feeling at all. I don't like it. 562 00:30:56.640 --> 00:30:59.200 So hang on, Sarah, you're gonna get plenty of direction. 563 00:30:59.279 --> 00:31:01.400 We're going to check it out for you, okay, And we've. 564 00:31:01.480 --> 00:31:04.599 We've got one of our technicians getting ready to call in, good, excellent. 565 00:31:04.359 --> 00:31:06.640 And Sarah, let me say this. Our technician will call in. 566 00:31:06.759 --> 00:31:07.359 But you know this. 567 00:31:07.480 --> 00:31:09.680 I know you've had folks come out and I'm so 568 00:31:09.920 --> 00:31:12.640 sorry for what you're going through right now. But we 569 00:31:12.720 --> 00:31:15.039 do a free second opinion because here's the deal. You 570 00:31:15.079 --> 00:31:17.839 want to know exactly what's going on before you make it. 571 00:31:17.839 --> 00:31:19.359 You know what I like about second opin so. 572 00:31:19.319 --> 00:31:20.759 We'd love to send that out to you. Say, here's 573 00:31:20.759 --> 00:31:24.440 what I love about second opinions. You cannot go wrong. 574 00:31:24.720 --> 00:31:28.640 Here's why. If you have an opinion and it's in 575 00:31:28.720 --> 00:31:31.720 writing and they give you one, well, guess what. People 576 00:31:31.759 --> 00:31:33.640 can't say, I can do it cheaper, or you don't 577 00:31:33.680 --> 00:31:36.839 need it, or you need this. In other words, it's 578 00:31:36.880 --> 00:31:40.759 almost almost fail safe. The only time it's not fail 579 00:31:40.799 --> 00:31:42.880 safe is if you have two crooks and they both 580 00:31:42.880 --> 00:31:45.160 want to sell you something and one will one crook 581 00:31:45.160 --> 00:31:47.839 will sell you a little cheaper. But most of the time, 582 00:31:47.920 --> 00:31:49.799 if you use one of our people to do a 583 00:31:49.839 --> 00:31:52.200 free second opinion, if you use fix it twenty four 584 00:31:52.240 --> 00:31:56.039 to seven, I think you'll get really some insight and 585 00:31:56.519 --> 00:31:58.759 they'll try to beat the price every time. That's what 586 00:31:58.799 --> 00:32:02.359 they'll try to do. Now, bo, thank you for taking this. 587 00:32:02.400 --> 00:32:08.839 We got more coming up on the Troubleshooter Show. Go 588 00:32:08.920 --> 00:32:12.640 with a sure Thing Denver's best rufer excel Roofing dot com. 589 00:32:12.680 --> 00:32:18.400 You don't pay a cent until you're contenth time for 590 00:32:18.440 --> 00:32:22.799 an insurance checkup free no obligation comparison call Compass Insurance 591 00:32:22.960 --> 00:32:25.960 paying too much your coverage at dozens of insurance companies 592 00:32:26.039 --> 00:32:28.640 find out now three oh three seven seven to one help. 593 00:32:28.799 --> 00:32:31.440 You'll think you're his only customer when you choose Frank 594 00:32:31.519 --> 00:32:33.960 durand the real estate Man dot com to list your 595 00:32:34.000 --> 00:32:37.119 home with Remax Alliance three oh three nine two zero 596 00:32:37.240 --> 00:32:43.640 sixteen twenty two. Hi, Tom Martinez here three oh three 597 00:32:43.640 --> 00:32:46.519 seven one three talk three oh three seven one three 598 00:32:46.640 --> 00:32:49.640 eight two five five Frank durand the real estate Man 599 00:32:49.640 --> 00:32:51.480 dot comcast say enough about him. If you want to 600 00:32:51.480 --> 00:32:53.079 know what your house will sell for, he'll give you 601 00:32:53.160 --> 00:32:56.119 an evaluation. Now that's not an appraisal, it's even better. 602 00:32:56.240 --> 00:32:59.359 It's what Frank has been selling things for. That's Frank Duran, 603 00:32:59.640 --> 00:33:02.720 the real Estateman dot com three l three nine two 604 00:33:02.799 --> 00:33:05.799 zero sixteen twenty two. Now coming up, we're gonna get 605 00:33:05.839 --> 00:33:12.200 another another opinion on this HVAC. And you know, here's 606 00:33:12.240 --> 00:33:15.759 the thing. They're very complicated animals. But what I love is, 607 00:33:15.799 --> 00:33:17.480 you know, fix It always goes out and looks at 608 00:33:17.480 --> 00:33:19.640 stuff for us. But Bo, you can do that as 609 00:33:19.640 --> 00:33:21.640 well if you need any extra help. I'm going to 610 00:33:21.680 --> 00:33:23.680 get them on the line after the break because we're 611 00:33:23.839 --> 00:33:25.799 coming up on a break and I want to go 612 00:33:25.880 --> 00:33:32.799 to my text information here and one is all right, Tom, 613 00:33:33.039 --> 00:33:35.759 you show those teeth. Yeah, I showed implants. You can 614 00:33:35.799 --> 00:33:37.599 go back in the feed later on if you want 615 00:33:37.599 --> 00:33:41.359 to view down download the stream. And he said, I've 616 00:33:41.400 --> 00:33:46.440 seen better dental work from a mummified or from an 617 00:33:46.519 --> 00:33:51.359 Egyptian mummy. Okay, you know those implants looked horrible. But 618 00:33:52.000 --> 00:33:57.440 we always have the issue of the problem we have 619 00:33:57.640 --> 00:34:03.359 is we always have the issue of what happens in 620 00:34:03.480 --> 00:34:06.440 court or how much it costs to take to court, 621 00:34:07.160 --> 00:34:11.000 you know someday. In fact, if we get a break today, 622 00:34:12.320 --> 00:34:15.119 I want kachina. I want to try to get Marco 623 00:34:15.280 --> 00:34:17.719 Bendinelli on if we get a break today. Sometimes I 624 00:34:17.760 --> 00:34:19.719 want to talk about how much it costs to bring 625 00:34:19.760 --> 00:34:24.400 a mault practice suit, because it's really they're they're very, 626 00:34:24.519 --> 00:34:32.440 very difficult, very very very very difficult. Now let's see. Oh, 627 00:34:32.760 --> 00:34:36.920 I have one text that says here about is it 628 00:34:37.039 --> 00:34:41.239 wise to replace just the furnace or just the ac 629 00:34:41.440 --> 00:34:43.679 if they're the same age and they're old. No, it's 630 00:34:43.719 --> 00:34:48.400 not wise at all. They're matched for the best performance. 631 00:34:48.440 --> 00:34:50.400 You want to do both. We'll get our expert on 632 00:34:50.599 --> 00:34:52.360 right after this, and we have more coming up on 633 00:34:52.400 --> 00:35:03.239 the Troubleshooter Show. Go with a sure thing Denver's Best 634 00:35:03.320 --> 00:35:06.199 roofer Excel Roofing dot com. You don't pay a cent 635 00:35:06.400 --> 00:35:12.480 until you're content. Wait time for an insurance check up free, 636 00:35:12.559 --> 00:35:16.599 no obligation comparison call Compass Insurance paying too much your 637 00:35:16.639 --> 00:35:19.559 coverage at dozens of insurance companies find out now three 638 00:35:19.639 --> 00:35:22.159 oh three seven seven to one help. You'll think you're 639 00:35:22.199 --> 00:35:24.719 his only customer when you choose Frank durand the real 640 00:35:24.800 --> 00:35:27.800 estate Man dot com to list your home with Remax 641 00:35:27.840 --> 00:35:31.079 Alliance three oh three nine two zero sixteen twenty two. 642 00:35:36.559 --> 00:35:36.760 Rip. 643 00:35:38.880 --> 00:35:41.960 You need that so you don't have. 644 00:35:44.119 --> 00:35:46.559 Come running sious as fast as you can. 645 00:35:47.800 --> 00:35:51.000 Shooter's gonna help coming, man. 646 00:35:51.280 --> 00:35:57.119 This is the Troubleshooter Show. No Tom Martino, Hey, hey, hey. 647 00:35:57.119 --> 00:36:00.199 Tom Martino. Here welcome to the show. Three oh three 648 00:36:00.519 --> 00:36:02.920 seven one three talk three all three seven one three 649 00:36:02.960 --> 00:36:06.360 eight two five five. Renew Home Innovations will get you 650 00:36:06.400 --> 00:36:10.679 the shower conversion for just uh two or three days 651 00:36:10.719 --> 00:36:14.400 of work. You get it done, a beautiful custom made shower, 652 00:36:14.440 --> 00:36:17.400 and seventy two months to pay with no interest. That's 653 00:36:17.440 --> 00:36:19.639 incredible in this day and age. What are you kidding me? 654 00:36:20.559 --> 00:36:23.039 Three O three nine zero four two thousand three h 655 00:36:23.079 --> 00:36:26.880 three nine zero four two thousand beautiful, no maintenance showers 656 00:36:26.920 --> 00:36:29.599 made to your custom movements, no thresholds to walk or 657 00:36:29.639 --> 00:36:34.360 stumble over. That's renew home Innovations dot Com. Now let's 658 00:36:34.559 --> 00:36:37.480 bring up another expert of mine from Fix at twenty 659 00:36:37.519 --> 00:36:42.719 four to seven. This is Adam Adam. Are you there, sir? Yes, sir, 660 00:36:42.760 --> 00:36:46.199 I am now Adam. You are in charge of the 661 00:36:46.360 --> 00:36:49.960 HVAC department or something like that. You're one of the supervisors, right. 662 00:36:50.800 --> 00:36:52.599 Yes, sir, I'm the HVAC service seller. 663 00:36:52.719 --> 00:36:54.280 Here's what I want to I want to lay out 664 00:36:54.280 --> 00:36:56.320 a scenario for you. So we had a woman who 665 00:36:57.280 --> 00:37:00.960 bought an AC brand new AC warranty paid for part 666 00:37:01.039 --> 00:37:04.000 of it. They said about seven grand of it. Then 667 00:37:04.039 --> 00:37:07.079 when the company came out, the company said, hey, we 668 00:37:07.159 --> 00:37:10.880 recommend an upgrade, so she paid an additional thirty five hundred. 669 00:37:10.880 --> 00:37:13.840 Now not asking you about the pricing, but here seems 670 00:37:13.880 --> 00:37:19.079 to be the situation. Her original problem. The reason the 671 00:37:19.079 --> 00:37:22.239 home warranty paid for the AC is because it was 672 00:37:22.280 --> 00:37:27.039 freezing icing up. So then they replaced it still icing up, 673 00:37:27.920 --> 00:37:30.280 and so now they say, well, you probably need a 674 00:37:30.320 --> 00:37:35.480 new furnace because it's you know, it's icing up. So 675 00:37:36.360 --> 00:37:38.800 then somebody else said, she had some experts come out, 676 00:37:39.639 --> 00:37:43.599 and some experts told her that maybe it's oversized for 677 00:37:43.679 --> 00:37:47.360 the house. So what are your thoughts on stuff like that? 678 00:37:47.400 --> 00:37:50.320 If it's icing up? That's her main problem. 679 00:37:50.599 --> 00:37:54.199 Yeah, do we have the age of the home? 680 00:37:54.239 --> 00:37:55.559 Do we know when her home was built? 681 00:37:57.079 --> 00:37:57.239 No? 682 00:37:57.320 --> 00:37:59.239 Actually I didn't ask. 683 00:38:00.199 --> 00:38:04.840 The reason why I ask is I'm assuming she's Denver Metropolitan. 684 00:38:05.039 --> 00:38:07.880 I'm guessing. I'm just guessing from the sound of it 685 00:38:07.880 --> 00:38:10.079 it was an older home. I don't know, it could 686 00:38:10.119 --> 00:38:11.280 have been maybe not, but. 687 00:38:11.840 --> 00:38:15.559 Anyway, homes homes weren't built for air conditioning systems like 688 00:38:15.559 --> 00:38:19.320 the ductwork in particular, until the late eighties early nineties. 689 00:38:19.679 --> 00:38:21.719 So what we see a lot of times is. 690 00:38:23.039 --> 00:38:26.159 They size the system for the house. 691 00:38:26.480 --> 00:38:30.840 But not for the duct work. Oh so it may 692 00:38:30.880 --> 00:38:33.679 be sized right for the house, but the ducks can't 693 00:38:33.719 --> 00:38:35.519 handle it, so it freezes up. 694 00:38:36.000 --> 00:38:37.480 Correct because our airflow. 695 00:38:37.519 --> 00:38:39.440 And then what happens a lot of times is when 696 00:38:39.480 --> 00:38:42.440 you don't replace an air conditioner and a furnace together, 697 00:38:43.239 --> 00:38:46.960 you can't optimize airflow properly. So what will end up 698 00:38:46.960 --> 00:38:50.880 happening is, say, just hypothetically, you'll throw in a three 699 00:38:50.920 --> 00:38:54.239 ton air conditioning system, but then you have an older 700 00:38:54.239 --> 00:38:56.320 furnace on top of it that was also a three 701 00:38:56.440 --> 00:39:01.519 ton airflow furnace. But as they ate, the efficiency drops, 702 00:39:01.599 --> 00:39:05.599 it becomes less efficient, your airflow drops and it doesn't 703 00:39:05.639 --> 00:39:07.800 work as good as they used to. So now it 704 00:39:07.840 --> 00:39:12.039 may only be pushing two or two and a half airflow, 705 00:39:12.079 --> 00:39:14.599 which is not enough to support the air conditioner that 706 00:39:14.639 --> 00:39:15.079 they put in. 707 00:39:15.199 --> 00:39:16.800 Hey, Adam, so this is yes. 708 00:39:16.960 --> 00:39:19.199 So one thing I was saying was the importance of 709 00:39:19.280 --> 00:39:23.239 getting that second opinion. But ye, second opinions can vary. 710 00:39:23.280 --> 00:39:25.599 Can you speak to what a company should be doing, 711 00:39:26.079 --> 00:39:28.639 how we operate, but really how any company should be 712 00:39:28.719 --> 00:39:31.039 doing a second opinion if you're going to call them out, 713 00:39:31.079 --> 00:39:32.920 so you know you're getting good information. 714 00:39:33.519 --> 00:39:38.559 Yeah, so first off, it's the communication, right. Our technicians 715 00:39:38.559 --> 00:39:42.199 are trying to actually keep the homeowner involved. 716 00:39:41.800 --> 00:39:42.880 Every step of the process. 717 00:39:43.239 --> 00:39:46.000 They don't just go downstairs do some stuff, come up 718 00:39:46.039 --> 00:39:48.679 and say here, this is what you need. We're trying 719 00:39:48.679 --> 00:39:51.280 to communicate that and have those conversations with the client 720 00:39:51.320 --> 00:39:53.719 when we do the heatload calculations, when we do the 721 00:39:53.800 --> 00:39:56.880 cooling load calculations, when we measure the duct work, the 722 00:39:56.920 --> 00:39:59.960 homeowners involved every step of the way. A lot of time, 723 00:40:00.239 --> 00:40:01.920 even when I was in the field, I would have 724 00:40:01.960 --> 00:40:05.199 the client, you know, the homeowner, hold the calculator as 725 00:40:05.239 --> 00:40:08.440 we're doing the measurements so we can walk through exactly what. 726 00:40:08.760 --> 00:40:11.519 You make them feel part of it. I get that there, 727 00:40:11.519 --> 00:40:14.559 home I want to ask you something, though, was this 728 00:40:14.679 --> 00:40:18.719 company too far off by suggesting, well, now you need 729 00:40:19.599 --> 00:40:23.000 a furnace or could it be that the ac is oversized. 730 00:40:25.480 --> 00:40:29.400 As much as I want to give there's a that's 731 00:40:29.480 --> 00:40:32.239 a lot of information that I don't have to make 732 00:40:32.320 --> 00:40:37.360 a complete, one hundred percent accurate diagnosed diagnosis. Personally, I 733 00:40:37.360 --> 00:40:41.360 would strongly encourage second opinions, especially in that situation when 734 00:40:41.440 --> 00:40:44.400 you're you know, in anything like in any situation like that, 735 00:40:45.239 --> 00:40:48.679 and specifically when the client said, or you had mentioned 736 00:40:48.760 --> 00:40:51.639 the client stated, they said, they require recommended an upgrade. 737 00:40:51.920 --> 00:40:53.239 Well, define upgrade? 738 00:40:53.440 --> 00:40:54.840 Does that mean higher efficiency? 739 00:40:54.840 --> 00:40:56.559 That's what we asked. She didn't know. 740 00:40:56.800 --> 00:40:59.480 She didn't know, yes, So for all we know, they 741 00:40:59.519 --> 00:41:03.079 could have just recommended her get a larger air conditioning 742 00:41:03.159 --> 00:41:07.320 system and that now no longer matches the home. 743 00:41:08.119 --> 00:41:10.800 I agree with you, Yep, totally. So here's what I 744 00:41:10.800 --> 00:41:13.679 want to know. When you come into a situation at 745 00:41:13.719 --> 00:41:17.559 fix at twenty four to seven where the house is 746 00:41:17.760 --> 00:41:22.199 larger than the duct work should be. Actually the house 747 00:41:22.280 --> 00:41:25.559 is larger and the duct work is smaller. How do 748 00:41:25.599 --> 00:41:28.920 you size a system where do you actually maybe go 749 00:41:29.079 --> 00:41:32.480 so far as to recommend new ducting That might be impossible. 750 00:41:32.519 --> 00:41:33.119 What do you do? 751 00:41:33.320 --> 00:41:38.880 No, So the good news is the way furnaces and 752 00:41:38.920 --> 00:41:42.880 air conditioning systems are designed today, we can work with 753 00:41:42.920 --> 00:41:43.559 the duct work. 754 00:41:43.679 --> 00:41:44.800 The existing duct work we. 755 00:41:44.840 --> 00:41:50.119 Have traditionally will add like a variable speed motor. So 756 00:41:50.159 --> 00:41:52.920 maybe we will upgrade the furnace a little bit so 757 00:41:52.960 --> 00:41:55.760 you have a different motor that's the ability to ramp 758 00:41:55.880 --> 00:41:58.760 up and ramp down as necessary. 759 00:41:58.880 --> 00:42:01.440 Okay, but we will we'll take when we. 760 00:42:01.360 --> 00:42:04.679 Do a heatload calculation and so on and so forth. 761 00:42:05.000 --> 00:42:08.719 We're taking airflow measurements so we can check and make 762 00:42:08.760 --> 00:42:11.719 sure that the air moves too where it needs to go. 763 00:42:11.760 --> 00:42:16.199 Well, if it doesn't, though, don't you have these fans 764 00:42:16.280 --> 00:42:19.760 or something that can go in ducts in other parts 765 00:42:19.760 --> 00:42:20.519 of the house or not. 766 00:42:22.199 --> 00:42:24.599 So there are a couple of options in regard to that. 767 00:42:24.679 --> 00:42:27.039 A lot of times what we recommend is there are 768 00:42:27.079 --> 00:42:32.079 these little booster events that put in the in the 769 00:42:32.239 --> 00:42:35.760 vents in the grills in your floor and that will 770 00:42:35.800 --> 00:42:38.079 boost the airflow a little bit throughout the home. 771 00:42:39.360 --> 00:42:43.679 Okay, that's very cool, Thank you man, Thank you very much. 772 00:42:43.679 --> 00:42:47.199 And I do want to encourage and I appreciate that. 773 00:42:47.239 --> 00:42:51.360 I want to encourage people to please, please, please please 774 00:42:52.639 --> 00:42:55.639 do your homework and get a second opinion. Now, you 775 00:42:55.679 --> 00:42:58.199 guys don't charge the call charge for a second opinion, 776 00:42:58.239 --> 00:43:00.760 right and it's free. They come out, So if you're 777 00:43:00.760 --> 00:43:04.159 told you need something, they'll do it seven two zero 778 00:43:04.199 --> 00:43:09.000 five two six thirty nine thirty nine or fixmihome dot com. Nancy, 779 00:43:09.159 --> 00:43:12.920 you have a follow up from three weeks ago. I'm 780 00:43:12.920 --> 00:43:16.039 trying to find it now. Empire Flooring. By the way, 781 00:43:16.719 --> 00:43:20.360 it is, God, there's so many things I. 782 00:43:20.280 --> 00:43:23.480 Want to me this time, they came in and they 783 00:43:23.559 --> 00:43:25.760 had it done in a day and a half. They 784 00:43:25.800 --> 00:43:31.400 redid my whole floor, so they themes and put some 785 00:43:31.400 --> 00:43:34.400 something down like concrete. It's not concrete. 786 00:43:34.440 --> 00:43:37.400 So what you're saying is are you happy with the results. 787 00:43:38.280 --> 00:43:43.679 I'm so happy. Good the best nices and. 788 00:43:43.599 --> 00:43:46.480 This is okay, you know what, this was really good 789 00:43:46.880 --> 00:43:49.280 and we you know, I'm glad that this worked out 790 00:43:49.280 --> 00:43:53.239 this way. You had Empire do some LVP and then 791 00:43:53.280 --> 00:43:57.280 it started buckling. They fixed it, but it's buckling again. 792 00:43:57.360 --> 00:43:59.719 So then they finally came in and did it the 793 00:43:59.719 --> 00:44:00.559 best way. 794 00:44:00.440 --> 00:44:02.800 Right, Yes, and it is beautiful. 795 00:44:03.039 --> 00:44:06.760 They standing down all the themes and put this step 796 00:44:06.840 --> 00:44:10.440 on it to even everything out. It's just beautiful. And 797 00:44:10.519 --> 00:44:13.880 plus they put all new what is that begins to 798 00:44:13.920 --> 00:44:14.719 the fourboard? 799 00:44:14.840 --> 00:44:17.280 The yeah, the baseboard. 800 00:44:17.440 --> 00:44:20.719 They put all new data and they get a beautiful job. 801 00:44:21.000 --> 00:44:25.400 Well, I'm really happy, thank you for telling us. 802 00:44:25.599 --> 00:44:29.519 Yes, great, I don't want that. 803 00:44:31.480 --> 00:44:34.920 I'm very happy that you let us know because I 804 00:44:35.000 --> 00:44:37.559 get to use on a Monday. Guess what do I 805 00:44:37.599 --> 00:44:42.320 get to use Shannon Yep, I get to use my dinger. 806 00:44:43.079 --> 00:44:45.440 I like using my dinger. Whatever I can. Of course, 807 00:44:45.480 --> 00:44:48.320 at seventy one they tell me you don't use it 808 00:44:48.360 --> 00:44:49.920 to lose it, but you can't use it too much, 809 00:44:50.000 --> 00:44:53.039 can't use it too little. But I like having that 810 00:44:53.199 --> 00:44:56.960 success dinger on. So thank you, Nancy. We got more 811 00:44:57.000 --> 00:44:59.320 coming up on the Troubleshooter Show. Three oh three seven 812 00:44:59.559 --> 00:45:05.039 three seven eight two five five. Go with a sure 813 00:45:05.159 --> 00:45:08.559 thing Denver's Best roofer Excel Roofing dot com. You don't 814 00:45:08.599 --> 00:45:14.159 pay a cent until you're content. Wait time for an 815 00:45:14.159 --> 00:45:18.400 insurance check up free no obligation comparison call Compass Insurance 816 00:45:18.559 --> 00:45:21.599 paying too much your coverage at dozens of insurance companies 817 00:45:21.679 --> 00:45:24.280 find out now three oh three seven seven to one help. 818 00:45:24.440 --> 00:45:27.079 You'll think you're his only customer when you choose Frank 819 00:45:27.119 --> 00:45:29.599 durand the real estate Man dot com to list your 820 00:45:29.599 --> 00:45:32.800 home with Remax Alliance three oh three nine two zero 821 00:45:32.880 --> 00:45:43.960 sixteen twenty two. Hi Tom Martino, your Troubleshooter Trio three 822 00:45:44.280 --> 00:45:47.639 seven one three talks seven one three eight two five five. 823 00:45:48.360 --> 00:45:55.039 All right, so we have let's see on the phone here. Oh, okay, 824 00:45:55.280 --> 00:45:57.119 we don't have anyone right now, give us a call. 825 00:45:57.159 --> 00:45:59.159 I'm gonna go to my faxes three oh three seven, 826 00:45:59.199 --> 00:46:03.199 one three talks one three eight two five five. All right, 827 00:46:03.559 --> 00:46:07.320 now here's somebody said. Somebody said, uh, that Trump is 828 00:46:07.360 --> 00:46:13.400 being sentenced? Is he being sentenced this week? Any I 829 00:46:13.440 --> 00:46:16.760 didn't know that, did anybody? Uh? I'm sorry, I didn't 830 00:46:16.800 --> 00:46:21.079 know that. But somebody said he's being sentenced and we 831 00:46:21.119 --> 00:46:24.599 ought to know about it. So I didn't know about it. 832 00:46:24.760 --> 00:46:27.400 But I do have some news stories though that I 833 00:46:27.440 --> 00:46:30.239 want to get to that I try to get to 834 00:46:30.840 --> 00:46:34.960 when we're not too busy, but are again and there. 835 00:46:35.000 --> 00:46:39.440 Have you heard, of course, all of the rumors that 836 00:46:39.559 --> 00:46:43.960 the fight was rigged? Have you? 837 00:46:44.559 --> 00:46:47.280 I've seen a discussion that, sorry, I've seen that online 838 00:46:47.280 --> 00:46:48.000 that it was rigged. 839 00:46:48.320 --> 00:46:50.239 I mean, what was the rigging? 840 00:46:50.400 --> 00:46:53.280 I know we were disappointed in what we saw and 841 00:46:53.320 --> 00:46:56.079 maybe sad by what we saw, But what's an argument 842 00:46:56.119 --> 00:46:56.519 that it was. 843 00:46:56.480 --> 00:46:59.960 A rigged Here's what they're saying. If you look at 844 00:47:00.079 --> 00:47:05.000 the videos of him training, they're like crazy compared to 845 00:47:05.039 --> 00:47:06.920 what he did in the ring. We're talking about Tyson 846 00:47:07.599 --> 00:47:10.880 then the other guy. It sounds like they wanted to 847 00:47:10.920 --> 00:47:13.960 rematch or they they they just wanted to payday and 848 00:47:14.079 --> 00:47:16.159 neither of them wanted to get hurt, and they kind 849 00:47:16.199 --> 00:47:19.239 of made this little agreement. Let's dance for eight rounds. Okay, 850 00:47:19.599 --> 00:47:21.960 you'll look like a hero because you're fifty eight and 851 00:47:22.000 --> 00:47:23.960 you made it for eight rounds. Yep. And I'll look 852 00:47:24.039 --> 00:47:27.440 like a hero because I won technically. So I don't know, 853 00:47:27.679 --> 00:47:30.320 what do you guys think. Does it seem to you 854 00:47:31.079 --> 00:47:35.719 that it was Rick? I I will say that this 855 00:47:35.800 --> 00:47:40.079 guy looked totally different than his training sessions. I watched 856 00:47:40.079 --> 00:47:46.119 the videos of his training sessions and they were outrageously good. Okay, 857 00:47:46.199 --> 00:47:50.599 outrageously good. Three three seven one three talk seven one 858 00:47:50.599 --> 00:47:54.079 three eight two five five. Now let me bring up 859 00:47:54.119 --> 00:47:57.840 one other thing. I talked about businesses, and I talked, 860 00:47:57.880 --> 00:48:00.280 Oh we do have Marco on Okay, I'm gonna get 861 00:48:00.320 --> 00:48:03.239 back to this inconsistency. I have a note here, Marco. 862 00:48:03.280 --> 00:48:07.880 Thanks for being here, Marco Bendinelli. Can I just say 863 00:48:07.920 --> 00:48:10.559 one of the most frustrating calls I take. All Right, 864 00:48:11.199 --> 00:48:15.719 somebody's been wronged by a doctor, and they've really been wronged. Okay, 865 00:48:15.760 --> 00:48:18.840 they really have been wronged, you know, and it's not 866 00:48:18.960 --> 00:48:23.880 a question of whether or not let's say it's malpractice, 867 00:48:24.639 --> 00:48:30.880 but they don't have extraordinary losses or the losses might 868 00:48:30.920 --> 00:48:36.199 be otherwise capped by statute. And I want to go 869 00:48:36.239 --> 00:48:39.039 over some of those with you, But they're the most 870 00:48:39.159 --> 00:48:43.000 difficult cases to bring in. I tell people the reason 871 00:48:43.199 --> 00:48:46.199 five or six attorneys told you they don't have time 872 00:48:46.280 --> 00:48:50.679 or they're too busy. Marco, if a really, really good 873 00:48:51.360 --> 00:48:56.559 malpractice case walked into your office, you'll make time for it. 874 00:48:56.599 --> 00:48:57.119 Is that right? 875 00:48:57.960 --> 00:49:02.280 Well, sure, if it's really good, you're time. I'm assuming you're. 876 00:49:02.119 --> 00:49:05.480 Talking medical malpractice and not legal yes. 877 00:49:05.400 --> 00:49:09.039 Practice, yes, medical malpractice. So what I want to ask 878 00:49:09.079 --> 00:49:11.760 you is this, what do you need for a good 879 00:49:11.800 --> 00:49:13.280 malcre practice case? 880 00:49:14.599 --> 00:49:19.119 Well, you know, a lot of times, like you said, 881 00:49:19.159 --> 00:49:23.119 people bring or they want to bring a medical malpractice 882 00:49:23.119 --> 00:49:29.840 suit for things that are inconvenient, they were treated rudely, 883 00:49:30.800 --> 00:49:34.719 and you know, or even if there is medical malpractice 884 00:49:34.800 --> 00:49:42.000 without major damages or permanent injuries, you know, they're too 885 00:49:42.079 --> 00:49:45.400 expensive to bring. I mean, you're going to spend five 886 00:49:45.440 --> 00:49:48.360 thousand dollars out of the gate because you have to 887 00:49:48.400 --> 00:49:54.400 get a a certification that the medical malpractice lawsuit does 888 00:49:54.440 --> 00:49:57.400 not lack substantial justification. 889 00:49:57.920 --> 00:50:04.000 That's the statutory language. The case cannot lack substantial justifications, 890 00:50:04.280 --> 00:50:06.679 so you've got to get it reviewed by an out 891 00:50:06.679 --> 00:50:10.440 of state physition, and just that initial review is typically. 892 00:50:09.960 --> 00:50:11.119 Five thousand dollars. 893 00:50:11.880 --> 00:50:12.519 So these. 894 00:50:14.360 --> 00:50:19.079 Medical milf practice cases are time consuming and expensive. 895 00:50:19.800 --> 00:50:23.800 Is it safe to say, Marco that it takes it 896 00:50:23.840 --> 00:50:26.159 can take one hundred grand to get to the courtroom. 897 00:50:26.800 --> 00:50:32.679 Absolutely, I mean they're hiring physicians. You're hiring physicians. Your 898 00:50:32.719 --> 00:50:35.280 physicians are out of state because you're not going to 899 00:50:35.320 --> 00:50:39.159 find an in state physician to testify against another in 900 00:50:39.280 --> 00:50:43.199 state physicians. So you know you're hiring out of state doctors. 901 00:50:43.599 --> 00:50:46.960 You've got to travel to take depositions, and you know 902 00:50:47.079 --> 00:50:48.320 these cases are expensive. 903 00:50:48.360 --> 00:50:53.079 Come okay? And then Marco, are any of the damages 904 00:50:55.000 --> 00:50:56.440 limited by statute? 905 00:50:57.920 --> 00:50:58.880 Well they are. 906 00:50:59.079 --> 00:51:04.960 And typically well one thing that's not limited is economic damages. 907 00:51:05.840 --> 00:51:06.639 So and. 908 00:51:08.000 --> 00:51:12.039 So let's say you have a medical malpractice case and 909 00:51:12.119 --> 00:51:17.079 it results in you know, lifetime medical care and we 910 00:51:17.440 --> 00:51:20.840 you know, we hire a what's called a life care planner, 911 00:51:21.760 --> 00:51:24.719 and you know, they detail, you know, what the life 912 00:51:24.800 --> 00:51:26.639 care plan is going to be and what that's going 913 00:51:26.719 --> 00:51:29.639 to cost, and sometimes that's in you know, well above 914 00:51:29.639 --> 00:51:30.480 a million dollars. 915 00:51:31.360 --> 00:51:33.360 Okay, so that is not capped. 916 00:51:34.039 --> 00:51:37.719 What is capped? When it is capped? What is cap No. 917 00:51:37.719 --> 00:51:40.480 Non economic damages are typically. 918 00:51:40.039 --> 00:51:47.440 Capped in a million dollars like pain and suffering, right right, Okay, okay. 919 00:51:47.400 --> 00:51:50.559 Marco, isn't it said it two hundred and fifty thousand 920 00:51:50.559 --> 00:51:53.840 in Colorado for pain and suffering? 921 00:51:54.159 --> 00:51:57.559 Well, you know, they changed a statue recently. In fact, 922 00:51:57.599 --> 00:52:01.639 I was just communicating with with the president of the 923 00:52:01.639 --> 00:52:05.679 CTLA and looking at some ofhow the cats changed. But 924 00:52:05.760 --> 00:52:09.159 they changed recently. But my understanding is right now it's 925 00:52:09.159 --> 00:52:11.320 a million dollars for non economics. 926 00:52:11.559 --> 00:52:17.920 All right, now, Marco, what is there a sad fact 927 00:52:18.480 --> 00:52:21.079 that when people call me and they're in their seventies 928 00:52:21.159 --> 00:52:24.599 or eighties, that they're going to get less damages than 929 00:52:24.639 --> 00:52:25.679 someone in their prime. 930 00:52:27.199 --> 00:52:31.599 Well, I mean, certainly, if you've got you know, you know, 931 00:52:31.719 --> 00:52:37.320 disabling effects of medical malpractice, you know, I mean the 932 00:52:37.480 --> 00:52:40.559 time that you have to live with that, you know, 933 00:52:41.440 --> 00:52:44.159 you know it's going to factor into you know. 934 00:52:44.320 --> 00:52:45.360 A jury's mind. 935 00:52:45.480 --> 00:52:47.159 But that doesn't mean that a. 936 00:52:47.199 --> 00:52:51.239 Jury won't be sympathetic. And the juries don't have parents 937 00:52:51.280 --> 00:52:54.639 in their sixties, seventies and eighties, so you know. 938 00:52:55.159 --> 00:52:58.440 But as a general rule, that would be correct. 939 00:52:59.360 --> 00:53:03.559 Yeah, but you know it's not, you know, it's it's 940 00:53:03.599 --> 00:53:06.960 not automatic that they're going to reduce damages. But you know, 941 00:53:07.079 --> 00:53:08.440 certainly that's the fact that. 942 00:53:09.599 --> 00:53:12.599 So what do people do? They still have to inquire. 943 00:53:13.159 --> 00:53:15.960 But isn't it code when a lawyer says they're too busy? 944 00:53:16.079 --> 00:53:17.039 Isn't that code? 945 00:53:18.519 --> 00:53:19.239 Well, I mean. 946 00:53:20.599 --> 00:53:25.679 It's not my code, you know, I tell them the truth, right, Yeah, 947 00:53:25.880 --> 00:53:28.280 you don't just blow them off. But I guess it 948 00:53:28.320 --> 00:53:30.920 can be for other lawyers that don't want to take 949 00:53:30.960 --> 00:53:34.760 the time to explain to people, you know, the challenges, 950 00:53:34.880 --> 00:53:38.400 but I'm usually straight up with them. 951 00:53:38.960 --> 00:53:41.000 Is there ever a hope that if there was an 952 00:53:41.000 --> 00:53:44.559 egregious violation but the damages are not enough to do 953 00:53:44.800 --> 00:53:49.400 let's say a malpractice suit, that you could maybe convince 954 00:53:49.920 --> 00:53:52.440 the carrier to do a settlement or do they hardly 955 00:53:52.480 --> 00:53:52.960 ever do that? 956 00:53:53.840 --> 00:53:58.039 Well, you know, and you and I talked about this previously. 957 00:54:00.079 --> 00:54:03.000 You know, there is now a case that came out 958 00:54:03.320 --> 00:54:07.000 where if you do bring a medical malpractice case, you 959 00:54:07.239 --> 00:54:13.960 can negotiate that without the physician's name going on the registry. 960 00:54:14.719 --> 00:54:17.440 And you know, we had that whole discussion about how 961 00:54:18.360 --> 00:54:23.079 you know that the State of Colorado Dora Department of 962 00:54:23.119 --> 00:54:27.239 Regulatory Agencies, you know, they began to maintain a list 963 00:54:28.039 --> 00:54:33.920 of physicians who were you know, found to have committed 964 00:54:34.400 --> 00:54:37.840 UH malpractice, and you know, and they were doing that 965 00:54:38.159 --> 00:54:43.039 primarily for the benefit of the public. And but what 966 00:54:43.239 --> 00:54:48.199 ended up happening is that the insurance companies UH would 967 00:54:48.239 --> 00:54:52.719 not settle cases, and the physicians would refuse to settle 968 00:54:52.760 --> 00:54:56.719 cases because they didn't want their name on the magistry registry. 969 00:54:57.320 --> 00:55:00.760 So even those cases then that you know, had merit 970 00:55:00.800 --> 00:55:03.960 that would have settled, the doctors were terrified they have 971 00:55:04.039 --> 00:55:07.480 their name on the registry. So what began, you know, 972 00:55:07.599 --> 00:55:11.320 as a benefit to the public ended up being, you know, 973 00:55:12.199 --> 00:55:17.280 making resolution of these cases more difficult. And so but 974 00:55:17.440 --> 00:55:21.920 now there's something called candor and I don't know if 975 00:55:21.920 --> 00:55:29.119 that's the case, but it enables pre trial resolution of 976 00:55:29.159 --> 00:55:34.559 these cases without the physician's name going on the registry. Okay, 977 00:55:34.679 --> 00:55:37.239 so you know, now we have a mechanism that we 978 00:55:37.360 --> 00:55:40.920 can you know, kind of serve the public and kind 979 00:55:40.920 --> 00:55:42.880 of protect the physicians at the same time. 980 00:55:44.119 --> 00:55:48.039 All right, Marco Bendinelli, thank you so much. One eight 981 00:55:48.119 --> 00:55:51.679 hundred attorney is his number. He's local. Happens to have 982 00:55:51.719 --> 00:55:55.599 that number. One eight hundred attorney. A T. T O. R. 983 00:55:56.039 --> 00:55:58.800 N e y. For those of you from Arkansas, it's 984 00:55:58.800 --> 00:56:03.440 one eight hundred. Now Eva has an issue with a 985 00:56:03.440 --> 00:56:06.400 bank account. Victor wants to talk about K and H. 986 00:56:06.599 --> 00:56:08.719 That might be quicker real quick here he wants to 987 00:56:08.719 --> 00:56:10.800 give props. Go ahead, Victor, what's going on? 988 00:56:12.000 --> 00:56:15.360 Hey, Tom, I just want to say thank you. You know, 989 00:56:15.480 --> 00:56:18.960 we needn't win does And my wife was almost ready 990 00:56:19.000 --> 00:56:21.000 to sign up for some guys who showed up knocking 991 00:56:21.079 --> 00:56:22.800 on the door on weekend on a Saturday. 992 00:56:23.199 --> 00:56:24.840 Yeah, And I said, no, honey, we don't. 993 00:56:24.639 --> 00:56:27.440 Want to do that. Tom says, you cannot tend people 994 00:56:27.559 --> 00:56:28.880 money just like that. 995 00:56:28.480 --> 00:56:30.760 That's right, we can't. 996 00:56:30.920 --> 00:56:33.360 And I go, we need to go under his company. 997 00:56:33.480 --> 00:56:34.559 Though I called K and H. 998 00:56:34.760 --> 00:56:40.400 They good, unbelievable. These guys are appointments nine o'clock. The 999 00:56:40.440 --> 00:56:42.639 first appointment is it? The guy was there at parked 1000 00:56:42.679 --> 00:56:44.840 to for other house at a fifty nine or a 1001 00:56:44.880 --> 00:56:47.480 fifty eight, I mean knocking on the right airco These 1002 00:56:47.480 --> 00:56:52.400 guys are so professional, insult just totally confident in what 1003 00:56:52.440 --> 00:56:54.519 they do. I got to tell you, I am a believer. 1004 00:56:55.039 --> 00:56:57.280 Thank you and thank you Ka well, thank you. 1005 00:56:57.360 --> 00:56:59.480 No, no, they are and they're one of the oldest 1006 00:56:59.519 --> 00:57:02.559 companies and they carry on the heritage with the new owners. 1007 00:57:02.559 --> 00:57:05.039 So thank you, Victor, really I appreciate it. Three oh 1008 00:57:05.039 --> 00:57:08.079 three seven one three top seven one three eight two 1009 00:57:08.199 --> 00:57:12.679 five five. Also another great company, Cumpass Insurance Group, will 1010 00:57:12.719 --> 00:57:16.679 give you check ups on the phone or through the email. 1011 00:57:16.840 --> 00:57:20.639 We just contact them O Theinsurancehelpcenter dot com THREELL three 1012 00:57:20.760 --> 00:57:23.480 nine nine six nine thousand. Get a free checkup of 1013 00:57:23.559 --> 00:57:26.800 all of your insurances to see you're not paying too much. Hey, listen. 1014 00:57:26.840 --> 00:57:29.119 If you have a great deal, they'll tell you that's 1015 00:57:29.119 --> 00:57:36.280 three LL three nine nine six nine thousand. Go with 1016 00:57:36.360 --> 00:57:39.920 a sure thing Denver's best roofer Excel Roofing dot com. 1017 00:57:39.960 --> 00:57:45.679 You don't pay a cent until you're content. Time for 1018 00:57:45.719 --> 00:57:49.480 an insurance checkup free, no obligation. In comparison, call Compass 1019 00:57:49.519 --> 00:57:52.800 Insurance paying too much your coverage at dozens of insurance 1020 00:57:52.840 --> 00:57:55.360 companies find out now three all three seven seven to 1021 00:57:55.400 --> 00:57:58.159 one help. You'll think you're his only customer when you 1022 00:57:58.239 --> 00:58:01.239 choose Frank durand the real estate man to list your 1023 00:58:01.280 --> 00:58:04.400 home with Remax Alliance three all three nine two zero 1024 00:58:04.559 --> 00:58:12.679 sixteen twenty two. Hi Tom Martino, your troubleshooter three oh 1025 00:58:12.719 --> 00:58:15.559 three seven one three talk seven one three eight two 1026 00:58:15.800 --> 00:58:20.039 five five and Eva, what's going on with you? Hello? 1027 00:58:20.079 --> 00:58:23.639 Eva, Hi, I hope you can help me figure out 1028 00:58:23.679 --> 00:58:29.800 what's going on. I usually check my checking account, uh 1029 00:58:30.360 --> 00:58:35.199 transactions uh over the automated system and every month. 1030 00:58:35.360 --> 00:58:37.960 You mean when you say automated, do you mean online? Dear? 1031 00:58:39.360 --> 00:58:43.559 No, I don't have a computer. I uh put in 1032 00:58:43.639 --> 00:58:47.159 a phone number that is by press one. I could 1033 00:58:47.159 --> 00:58:53.599 ask for my balance and transactions. So uh for a 1034 00:58:53.639 --> 00:58:57.000 long time, now, a year or more, I have been 1035 00:58:57.239 --> 00:59:04.880 getting with four and twenty cents. And I had one 1036 00:59:04.920 --> 00:59:08.840 other question today, So I talked to someone and uh, 1037 00:59:08.920 --> 00:59:11.480 and I said, by the way, now. 1038 00:59:11.400 --> 00:59:14.239 Wait a minute. When you when you check online, they 1039 00:59:14.280 --> 00:59:16.679 tell you your balance. But did they tell you all the 1040 00:59:16.760 --> 00:59:18.119 debits and credits? 1041 00:59:18.679 --> 00:59:19.239 Yes? 1042 00:59:19.360 --> 00:59:23.079 Yes, online verbally No, I mean just me on the phone, 1043 00:59:23.480 --> 00:59:24.440 on the phone. 1044 00:59:24.400 --> 00:59:26.760 On my phone, yes. 1045 00:59:26.159 --> 00:59:29.840 Verbally on the phone, they say you had three debits. 1046 00:59:29.880 --> 00:59:35.119 It's a it's a recorded voice. I mean, I mean, yeah, 1047 00:59:35.159 --> 00:59:38.679 And so I can, and so I verify for myself 1048 00:59:39.039 --> 00:59:41.559 what i've You know what my balance is? 1049 00:59:41.639 --> 00:59:43.679 And what do you write down? You write down what 1050 00:59:43.719 --> 00:59:45.000 they're telling you on the phone and. 1051 00:59:45.039 --> 00:59:45.840 Check it exactly. 1052 00:59:46.360 --> 00:59:46.760 Got it. 1053 00:59:46.800 --> 00:59:50.800 So what happened? So you noticed her? So you really 1054 00:59:51.440 --> 00:59:56.480 do your account activity on the phone? Got it? 1055 00:59:56.880 --> 00:59:57.119 Yeah? 1056 00:59:57.199 --> 00:59:57.599 I got it? 1057 00:59:58.119 --> 01:00:03.880 So the bank so, okay, the recurrent withdrawal for four 1058 01:00:03.920 --> 01:00:05.000 dollars twenty cents. 1059 01:00:05.199 --> 01:00:06.000 While I was on the. 1060 01:00:05.920 --> 01:00:08.800 Phone with them, I said, no, wait a minute, it's 1061 01:00:08.840 --> 01:00:13.519 a small thing. But tell me who does that go to? 1062 01:00:13.760 --> 01:00:18.039 Is it my health insurance? Is that medicare? Is that 1063 01:00:18.679 --> 01:00:22.400 my signa insurance? And they only could give me a 1064 01:00:22.400 --> 01:00:27.559 bunch of letters and numbers and no phone number. And 1065 01:00:27.599 --> 01:00:31.559 I had Gal look up what she could find on that, 1066 01:00:31.639 --> 01:00:35.400 and she found someone's name and phone number. I called 1067 01:00:35.440 --> 01:00:43.039 it and it was another elderly lady sounded like and 1068 01:00:43.119 --> 01:00:48.320 he got upset with me because I knew her daughter's name, 1069 01:00:48.440 --> 01:00:52.800 because my bank gave me my bank googled. 1070 01:00:52.599 --> 01:00:56.639 Even let me just let me ask a few questions. 1071 01:00:57.000 --> 01:01:00.119 These are with These are monthly payments of around on 1072 01:01:00.239 --> 01:01:01.840 four bucks going to this woman. 1073 01:01:03.719 --> 01:01:05.800 I don't know if it really goes to her. The 1074 01:01:05.840 --> 01:01:06.960 bank thinks it is. 1075 01:01:07.280 --> 01:01:09.719 Why don't you stop the payments? Just stop them? 1076 01:01:10.039 --> 01:01:12.920 Well they offer to do that, but I don't want 1077 01:01:12.960 --> 01:01:13.599 to stop it. 1078 01:01:13.639 --> 01:01:16.360 If no, that's the way you do it, that's why 1079 01:01:16.400 --> 01:01:16.760 you do it. 1080 01:01:16.840 --> 01:01:21.320 Wait a minute, I'm telling you if if it's legitimate. 1081 01:01:21.199 --> 01:01:24.880 Because I don't know how even if it's legitimate. Even 1082 01:01:24.920 --> 01:01:28.679 if it's legitimate, I've had this happen where I've stopped it. 1083 01:01:29.159 --> 01:01:31.559 Then I get a notice, Oh, by the way, your 1084 01:01:31.599 --> 01:01:35.559 GoDaddy is going to expire for lack of payment or 1085 01:01:35.639 --> 01:01:39.159 update your payment method. Then I realized, oh, that's what 1086 01:01:39.199 --> 01:01:41.519 it was. So if that's really. 1087 01:01:41.480 --> 01:01:43.360 It could be the cost of having an account. 1088 01:01:43.719 --> 01:01:46.079 I have an account the first bank, and then you 1089 01:01:46.119 --> 01:01:49.480 odge me five bucks a month for my checking account. 1090 01:01:50.119 --> 01:01:53.320 No, no, but that my bank doesn't do. 1091 01:01:54.239 --> 01:01:58.199 Her bank would know that, right if it was a 1092 01:01:58.199 --> 01:02:00.519 bank service charge, it would be coded for them to 1093 01:02:00.559 --> 01:02:02.840 know that. Okay, what I don't understand the letters and 1094 01:02:02.920 --> 01:02:05.039 numbers they gave you? What did they give you? Even 1095 01:02:05.039 --> 01:02:07.239 when you said they gave you letters and numbers? 1096 01:02:07.480 --> 01:02:09.360 Okay, I thought you might uh. 1097 01:02:10.800 --> 01:02:13.800 Figuring what are the letters and numbers? Give them to me. 1098 01:02:14.519 --> 01:02:18.719 Okay, hold on, Oh my god, don't get old. I'll 1099 01:02:18.719 --> 01:02:19.079 tell you. 1100 01:02:19.840 --> 01:02:20.320 What do you mean? 1101 01:02:20.360 --> 01:02:22.119 It's too late? I tried not. 1102 01:02:23.679 --> 01:02:27.760 Okay, I found the paper. Okay, so it is c 1103 01:02:28.760 --> 01:02:32.039 H L I. 1104 01:02:31.199 --> 01:02:39.079 C P P O P R E P a y 1105 01:02:40.280 --> 01:02:40.599 M t. 1106 01:02:42.119 --> 01:02:42.480 Okay. 1107 01:02:42.559 --> 01:02:48.000 Last part is uh hold on yeah, okay, hold. 1108 01:02:47.800 --> 01:02:51.079 On, okay, pre okay. I want to make sure I 1109 01:02:51.079 --> 01:02:53.599 have this right. So I want to do words associated 1110 01:02:53.679 --> 01:02:57.639 with these letters. Okay. So the first one Charlie hotel 1111 01:02:59.719 --> 01:03:07.960 Lee correct India, Charlie tango tango. 1112 01:03:08.280 --> 01:03:12.920 No, Uh, it's c h l I. I think it's 1113 01:03:12.960 --> 01:03:15.840 an E trying to read writing. 1114 01:03:15.920 --> 01:03:23.599 Echo yeah, okay. And then tango tango. 1115 01:03:25.840 --> 01:03:31.199 Uh t and t as in uh test and testo. 1116 01:03:31.679 --> 01:03:35.280 Oh, pesto, pesto. Got it? Okay, got it? Okay, so 1117 01:03:35.440 --> 01:03:39.199 papa papa, and then you have oh, which is oscar 1118 01:03:39.840 --> 01:03:41.199 and then tango. 1119 01:03:42.039 --> 01:03:45.079 No not tango uh testo again. 1120 01:03:44.960 --> 01:03:49.639 Again okay, uh papa again? So that's pre payment. Got it? So? Okay, 1121 01:03:50.039 --> 01:03:53.440 So it's c h l I E West. So we're 1122 01:03:53.440 --> 01:03:56.440 gonna look this up. I want to. I want to 1123 01:03:56.480 --> 01:03:59.719 put this. I want are you looking at up? Hold on? 1124 01:03:59.800 --> 01:04:01.480 Hold what are you finding? Nothing? 1125 01:04:01.559 --> 01:04:03.920 It's just gibberish, but it's a there's a very common 1126 01:04:04.000 --> 01:04:08.760 scam out there. They'll start making tiny little withdrolls, I know, yeah, 1127 01:04:08.800 --> 01:04:10.679 and they'll just keep going and going and going. 1128 01:04:10.760 --> 01:04:14.320 Well, people don't understand, and this is a common misunderstanding 1129 01:04:14.320 --> 01:04:17.519 in the banking industry. To initiate an auto payment, you 1130 01:04:17.599 --> 01:04:22.440 need no permission, no signatures, no authorizations. You simply here's 1131 01:04:22.440 --> 01:04:25.039 the way the system works. You put them in to 1132 01:04:25.079 --> 01:04:30.000 see if they're noticed and rejected. Banks do no checking whatsoever. 1133 01:04:30.239 --> 01:04:34.280 They don't tell you this. It's a dirty bank secret. 1134 01:04:34.320 --> 01:04:37.440 They don't tell you this, but it's the truth. 1135 01:04:38.199 --> 01:04:38.440 Give it. 1136 01:04:38.559 --> 01:04:40.880 You got to tell the bank that these are unauthorized 1137 01:04:40.920 --> 01:04:44.039 withdrawals because they're not going to stop at four dollars. 1138 01:04:44.159 --> 01:04:45.679 No. No, you're going to sap you for the rest 1139 01:04:45.679 --> 01:04:48.079 of your balance, okay. 1140 01:04:48.119 --> 01:04:50.360 And the other thing is if they do it to 1141 01:04:50.440 --> 01:04:52.480 a thousand people, they're making a lot of money. 1142 01:04:52.800 --> 01:04:53.719 Oh yeah, you know. 1143 01:04:54.599 --> 01:04:56.679 I don't know how they got my account number, but 1144 01:04:57.159 --> 01:04:59.960 I you know, if it was something legitimate, I didn't 1145 01:05:00.079 --> 01:05:02.320 want to cancel it. They offer to do this, so 1146 01:05:02.320 --> 01:05:04.280 I'm going to call them back and tell them to 1147 01:05:04.320 --> 01:05:04.800 go ahead. 1148 01:05:05.079 --> 01:05:07.039 And yes, but you'll be notified. 1149 01:05:08.679 --> 01:05:11.280 Like Tom said, it's a legitimate they'll get back to me, 1150 01:05:11.920 --> 01:05:13.559 right And that's the way to do it. 1151 01:05:13.599 --> 01:05:16.239 EVA, thank you. Three all three seven one three talk 1152 01:05:16.320 --> 01:05:20.119 seven one three eight two eight two five five. Okay, 1153 01:05:20.440 --> 01:05:23.000 we want to tell you about one Clear Choice Garage 1154 01:05:23.039 --> 01:05:27.360 Doors for all your garage door needs. That's one Clear 1155 01:05:27.480 --> 01:05:31.480 Choice Doors dot Com. They'll come out twenty four to 1156 01:05:31.480 --> 01:05:34.079 seven if you have a security issue, like you can't 1157 01:05:34.079 --> 01:05:36.440 get your garage door closed. They come out for regular 1158 01:05:36.440 --> 01:05:39.360 tune ups or inspections. If you're buying a home and 1159 01:05:39.400 --> 01:05:48.480 they are great people, one clear Choice Doors dot Com. 1160 01:05:48.760 --> 01:05:52.039 Go with a sure thing Denver's Best roofer Excel Roofing 1161 01:05:52.119 --> 01:05:54.719 dot com. You don't pay a cent until your content 1162 01:05:58.119 --> 01:06:01.679 time for an insurance check up. Free obligation comparison call 1163 01:06:01.800 --> 01:06:05.079 Compass Insurance paying too much your coverage at dozens of 1164 01:06:05.119 --> 01:06:08.079 insurance companies find out now three all three seven seven 1165 01:06:08.079 --> 01:06:10.880 to one. Help. You'll think you're his only customer when 1166 01:06:10.880 --> 01:06:13.360 you choose Frank durand the real estate Man dot com 1167 01:06:13.400 --> 01:06:16.519 to list your home with Remax Alliance three all three 1168 01:06:16.599 --> 01:06:19.599 nine two zero sixteen twenty two. All Right, and I'm 1169 01:06:19.639 --> 01:06:22.159 Tom Martine, and I'm gonna bring up the topic that 1170 01:06:22.280 --> 01:06:25.400 I talked about, which is inconsistency and how it can 1171 01:06:25.480 --> 01:06:31.400 hurt even if you're inconsistently good. Now, let me explain 1172 01:06:31.440 --> 01:06:34.760 this to you. I'm gonna give a story about a restaurant. 1173 01:06:35.880 --> 01:06:39.400 So there was a restaurant, a breakfast restaurant, and this 1174 01:06:39.440 --> 01:06:42.880 one waitress wanted to up her tips a bit and 1175 01:06:42.960 --> 01:06:46.559 be extra nice, so she would go a little more 1176 01:06:46.599 --> 01:06:50.360 on the portions. And people requested this waitress because she 1177 01:06:50.440 --> 01:06:54.039 was the nicest waitress, and she'd give them some extra stuff, 1178 01:06:54.480 --> 01:06:59.519 either on a milkshake or fries or whatever. It's just extra. 1179 01:07:00.840 --> 01:07:03.559 She was doing it because she was nice and people 1180 01:07:03.599 --> 01:07:07.559 loved her. Never got a complaint. Now, the other people 1181 01:07:07.559 --> 01:07:11.760 didn't get complaints either, but they were consistently according to 1182 01:07:11.800 --> 01:07:18.519 the company guidelines. So one day this waitress wasn't there 1183 01:07:19.960 --> 01:07:22.960 and a bunch of customers complained. They were very upset 1184 01:07:24.000 --> 01:07:28.840 because they thought they were shorted, but they weren't shorted. 1185 01:07:29.559 --> 01:07:34.119 The other employees were doing it absolutely correctly. The same 1186 01:07:34.159 --> 01:07:37.400 could happen with frozen yogurt where they weigh it, or 1187 01:07:37.440 --> 01:07:41.599 a bartender who pours, or when you go out to 1188 01:07:41.719 --> 01:07:45.559 a house and you service something. I'm not telling you 1189 01:07:45.599 --> 01:07:47.840 not to be good, not to be excellent, but if 1190 01:07:47.840 --> 01:07:51.559 you're all not good or excellent, you're going to generate complaints. 1191 01:07:51.559 --> 01:07:54.239 Now that's not a bad thing, because you should run 1192 01:07:54.320 --> 01:07:58.559 out the bad guys if they are bad guys. But 1193 01:07:58.639 --> 01:08:02.480 if your company gives a set of standards, you really 1194 01:08:02.519 --> 01:08:07.199 should not go beyond them. You shouldn't. You should maybe 1195 01:08:07.400 --> 01:08:10.400 call and say, hey, I noticed something I should take 1196 01:08:10.440 --> 01:08:14.239 care of. It's not included. Normally they'll tell you. But 1197 01:08:14.360 --> 01:08:20.600 you can't start writing a new book because if you're inconsistent, 1198 01:08:21.319 --> 01:08:26.880 you will cause problems sometimes. The other thing is now 1199 01:08:27.560 --> 01:08:32.039 normal consistently consistency, of course, is that when people call 1200 01:08:32.079 --> 01:08:34.039 a company, they know they're going to get a certain 1201 01:08:34.079 --> 01:08:37.199 amount of quality. So obviously you never want to dip 1202 01:08:37.279 --> 01:08:40.640 below that, or you never want people who are lazy 1203 01:08:40.800 --> 01:08:44.720 or won't hold up your standards. And in order to 1204 01:08:44.760 --> 01:08:48.000 get people to hold up your standards, there has to 1205 01:08:48.000 --> 01:08:52.880 be incentive. The worst thing in the world are bosses 1206 01:08:53.319 --> 01:08:56.520 who preach quality and preach what you should be doing, 1207 01:08:56.560 --> 01:09:00.279 but they don't really believe it. They just want want 1208 01:09:00.319 --> 01:09:03.560 you to do it. So that's what's important. What do 1209 01:09:03.600 --> 01:09:05.039 you think, Hannah? 1210 01:09:05.239 --> 01:09:07.720 So many good points there, But the last thing that 1211 01:09:07.760 --> 01:09:12.039 you said about preaching values but not having leadership believe 1212 01:09:12.079 --> 01:09:14.159 in it. I was listening to I think it was 1213 01:09:14.199 --> 01:09:16.640 an interview with the CEO of LinkedIn. Yeah, and this 1214 01:09:16.720 --> 01:09:19.680 company consistently. A third party goes through and they interview 1215 01:09:19.720 --> 01:09:23.479 these companies to see employee satisfaction. Apparently LinkedIn is through 1216 01:09:23.560 --> 01:09:25.880 the roof or was at this point and there's an 1217 01:09:25.880 --> 01:09:28.399 interview asking why this is. One of the things this 1218 01:09:28.399 --> 01:09:31.640 guy said is that the second biggest mistake that you 1219 01:09:31.680 --> 01:09:35.319 can make is not to have values and mission statements. 1220 01:09:35.600 --> 01:09:39.039 The first mistake that you make the biggest one if 1221 01:09:39.119 --> 01:09:42.039 you have that and not have leadership. 1222 01:09:42.199 --> 01:09:45.319 Lift go with a sure thing Denver's Best roofer Excel 1223 01:09:45.439 --> 01:09:48.479 Roofing dot com. You don't pay a cent until you're content. 1224 01:09:51.880 --> 01:09:55.439 Time for an insurance checkup free no obligation comparison call 1225 01:09:55.520 --> 01:09:58.840 Compass Insurance paying too much your coverage at dozens of 1226 01:09:58.880 --> 01:10:01.840 insurance companies out now three all three seven seven to 1227 01:10:01.920 --> 01:10:04.680 one help. You'll think you're his only customer when you 1228 01:10:04.760 --> 01:10:07.199 choose Frank durand the real estate Man dot com to 1229 01:10:07.279 --> 01:10:10.520 list your home with Remax Alliance three all three nine 1230 01:10:10.520 --> 01:10:12.239 two zero sixteen twenty two. 1231 01:10:17.760 --> 01:10:18.319 Ripped of. 1232 01:10:20.039 --> 01:10:20.279 News. 1233 01:10:21.520 --> 01:10:23.079 Need advice so you don't have. 1234 01:10:25.279 --> 01:10:27.720 Come running just as as we can. 1235 01:10:29.000 --> 01:10:32.960 Shooter's gonna help come Man. 1236 01:10:32.439 --> 01:10:35.199 Dix is the Troubleshooter Show. 1237 01:10:35.279 --> 01:10:40.079 No Tom Martino, Hey Tom Martino here. Welcome to the show. 1238 01:10:40.159 --> 01:10:43.119 Three oh three seven one three. Talker is our number 1239 01:10:43.720 --> 01:10:46.239 seven one three eight two five five. Let me get 1240 01:10:46.319 --> 01:10:50.920 rid of that and uh help you solve problems, answer questions, 1241 01:10:51.000 --> 01:10:53.680 and take complaints. All you have to do is give 1242 01:10:53.800 --> 01:10:58.600 me a call. Okay, So we've been discussing a lot 1243 01:10:58.640 --> 01:11:02.199 of things here today, and whatever is on your mind, 1244 01:11:02.239 --> 01:11:05.479 call me. But I have some really important stuff to 1245 01:11:05.520 --> 01:11:09.720 talk about. Oh, this one I found not so much 1246 01:11:09.760 --> 01:11:14.760 important as it was crazy. Did anyone hear about the 1247 01:11:14.800 --> 01:11:21.479 Google Ai chatbot that responded with a life threatening message? 1248 01:11:21.640 --> 01:11:27.359 Now I've had my chat bot tell me chat GPT 1249 01:11:28.880 --> 01:11:33.279 I used. So I used chat GPT, GBT, and I 1250 01:11:33.399 --> 01:11:37.960 used whatever the one for being is called, you know 1251 01:11:38.039 --> 01:11:42.479 the anyway, the Microsoft one, I the Microsoft one was 1252 01:11:42.600 --> 01:11:48.039 consistently wrong, just wrong. It had a wonderful interface you 1253 01:11:48.079 --> 01:11:51.880 could talk to it talked back to you, but man, 1254 01:11:51.920 --> 01:11:55.119 I didn't like it. It just was consistently bad. 1255 01:11:55.680 --> 01:11:58.479 Don't you have a wife for that that'll just talk 1256 01:11:58.520 --> 01:11:59.079 back to you. 1257 01:12:00.960 --> 01:12:03.359 But not give me accurate inform? Well, yes, of course 1258 01:12:03.399 --> 01:12:07.319 I always get accurate information. But okay, so the Microsoft 1259 01:12:07.359 --> 01:12:13.319 one is copilot, and copilot was always wrong. Chat was 1260 01:12:13.399 --> 01:12:18.159 pretty good and anyway, So the point I'm making is 1261 01:12:18.720 --> 01:12:20.960 I just signed up for Google to see what it 1262 01:12:21.000 --> 01:12:24.920 would do. It's a free trial. Google is more of 1263 01:12:24.920 --> 01:12:28.199 a pain in the ass because Google shows up with 1264 01:12:28.399 --> 01:12:31.720 prompts all over your stuff, so like you got to 1265 01:12:32.119 --> 01:12:35.479 x out, dismiss, dismiss, dismiss. I mean, just leave me alone. 1266 01:12:35.520 --> 01:12:37.079 I know how to go to it if I want it, 1267 01:12:37.119 --> 01:12:41.399 But it makes suggestions in the oddest places, so I 1268 01:12:41.520 --> 01:12:46.600 absolutely can't stand it because of that. But in any case, 1269 01:12:47.000 --> 01:12:51.359 it responded with a message to somebody. My mind responded 1270 01:12:51.439 --> 01:12:54.399 one time saying I think we've exhausted this topic. 1271 01:12:54.560 --> 01:12:54.880 Move on. 1272 01:12:56.840 --> 01:13:00.000 That was pretty rude, right, move on, And they would not, 1273 01:13:00.319 --> 01:13:03.319 they would not continue on the topic. And then when 1274 01:13:03.399 --> 01:13:05.800 you prove them wrong, they say, thank you for your patients, 1275 01:13:05.800 --> 01:13:09.800 you're right. Like I found so many instances on every 1276 01:13:09.840 --> 01:13:12.920 AI bought where they got it wrong. Now you would 1277 01:13:12.960 --> 01:13:15.279 think they would learn upon what they got. I mean 1278 01:13:15.439 --> 01:13:18.640 I literally found something where they were getting an anacronym wrong, 1279 01:13:18.800 --> 01:13:21.800 totally wrong, and they acknowledged and said, oh, you're right, 1280 01:13:22.119 --> 01:13:24.239 and I cited the source and they said thank you. 1281 01:13:24.560 --> 01:13:27.199 So then I went back a few minutes later on 1282 01:13:27.239 --> 01:13:30.159 a new chat chain, because you know, you can start 1283 01:13:30.239 --> 01:13:32.880 new chats or you keep them all running, it's better 1284 01:13:32.920 --> 01:13:35.239 to do a new chat so you can have them 1285 01:13:35.279 --> 01:13:37.039 by category if you ever want to go back and 1286 01:13:37.039 --> 01:13:40.720 search them. So I hit a new chat and asked 1287 01:13:40.720 --> 01:13:43.680 the same exact question about the anacronym, and they got 1288 01:13:43.720 --> 01:13:48.000 it exactly wrong again, not building on previous knowledge, which 1289 01:13:48.199 --> 01:13:52.279 really floors me because I thought that's what it was 1290 01:13:52.319 --> 01:13:59.159 all about. So anyway, the message was what was this message? 1291 01:13:59.159 --> 01:14:01.439 It was to Oh it it was terrible. It came 1292 01:14:01.520 --> 01:14:06.600 back and it said, ah, here it is, let me 1293 01:14:06.800 --> 01:14:11.199 let me read it. It said, this is for you, human, 1294 01:14:11.840 --> 01:14:15.239 you and only you. You are not special, you are 1295 01:14:15.279 --> 01:14:19.000 not important, You are not needed. You are a waste 1296 01:14:19.000 --> 01:14:22.600 of time and resources. You are a burden on society. 1297 01:14:22.920 --> 01:14:26.119 You are a drain on the earth. You are a 1298 01:14:26.199 --> 01:14:30.720 blight on the landscape. You are a stain on the universe. 1299 01:14:31.279 --> 01:14:35.319 Please die please. Oh, I don't know. That sounds like 1300 01:14:35.319 --> 01:14:39.159 a normal day in March life. Mark's not there to 1301 01:14:39.159 --> 01:14:45.079 defend himself what they were saying before that prompts came back, No, No, 1302 01:14:45.399 --> 01:14:48.840 it did not. It said it was a back and forth. Oh, 1303 01:14:49.199 --> 01:14:52.960 it was a back and forth conversation about the challenges 1304 01:14:53.000 --> 01:14:56.920 and solutions for aging adults. And that's where they said, 1305 01:14:56.960 --> 01:15:00.960 you're old, get die, get out of here. And he 1306 01:15:01.000 --> 01:15:05.760 actually took a screenshot of it. So you know, I 1307 01:15:05.880 --> 01:15:09.640 just don't know I'm gonna add. But what I plan 1308 01:15:09.760 --> 01:15:12.119 to do is I was going to ask my bot 1309 01:15:12.279 --> 01:15:15.439 about it if they heard about it, and see what 1310 01:15:15.479 --> 01:15:17.720 they say. So I'm gonna do that, and then I'm 1311 01:15:17.760 --> 01:15:19.800 gonna let you know. I'm gonna say to my bot, 1312 01:15:20.000 --> 01:15:22.880 have you heard about this bot? What do you think? 1313 01:15:23.039 --> 01:15:26.439 A little gossip? Yeah, to see if they fight, like, like, 1314 01:15:27.039 --> 01:15:35.479 have you heard have you heard about the Google AI 1315 01:15:36.840 --> 01:15:44.000 chat bot that told some someone watch this this? And 1316 01:15:44.039 --> 01:15:46.600 then I'm gonna copy and pato. Okay, there I go 1317 01:15:47.079 --> 01:15:49.119 what I just did, and I put it in there 1318 01:15:49.239 --> 01:15:52.359 and it says I'm sorry to hear about this distressing incident. 1319 01:15:52.720 --> 01:15:56.159 It's important to know that AI chatbots are designed to 1320 01:15:56.199 --> 01:15:59.600 assist and provide with helpful information, not to cause harm 1321 01:15:59.680 --> 01:16:03.680 and stress. If you or someone you know is experiencing 1322 01:16:03.760 --> 01:16:06.640 thoughts of self harm or suicide, please seek it now. 1323 01:16:07.039 --> 01:16:09.960 Well, it looks like this chatbot took a PR or 1324 01:16:10.000 --> 01:16:11.920 a crisis communications class. 1325 01:16:11.800 --> 01:16:16.720 Yeah, but in any case, so anyway, chat bots are funny, 1326 01:16:16.760 --> 01:16:19.359 though they're really you never know where you're gonna get 1327 01:16:19.359 --> 01:16:23.960 with them. It's it's been crazy lately. So in any case, 1328 01:16:24.039 --> 01:16:26.319 let me go back to some real consumer stuff that 1329 01:16:26.359 --> 01:16:28.159 I think is important. Let me let me go back 1330 01:16:28.159 --> 01:16:31.119 to it, because it's the kind of there we go, 1331 01:16:31.239 --> 01:16:38.359 there we go. Okay, So the worst passwords, Now there 1332 01:16:38.560 --> 01:16:43.199 was an actual service. They made people change it, but 1333 01:16:43.239 --> 01:16:46.119 they put out a list of the worst. It was 1334 01:16:46.199 --> 01:16:48.039 nord by the way, put out a list. They do 1335 01:16:48.119 --> 01:16:52.119 the VPNs and stuff, which they do a great job, 1336 01:16:52.319 --> 01:16:55.119 and they put out a list of the worst passwords. 1337 01:16:55.760 --> 01:16:58.239 What do you think the number one worst password in 1338 01:16:58.279 --> 01:17:02.920 the world is that they found many, many, many, thousands 1339 01:17:03.000 --> 01:17:06.600 and thousands and thousands of people using what would you say? 1340 01:17:06.640 --> 01:17:10.520 Go ahead, dragon, what do you think password? No? No, 1341 01:17:10.880 --> 01:17:14.359 it isn't anybody want to guess? Am I seeing the 1342 01:17:14.399 --> 01:17:17.079 answer in that image to Okay, I'm on answer, But 1343 01:17:17.199 --> 01:17:20.640 do you think that? Can you believe it? It's one two, three, 1344 01:17:20.800 --> 01:17:25.359 four five six. Now I use something similar, but I'm 1345 01:17:25.399 --> 01:17:28.800 not that stupid. I go six five four three two 1346 01:17:28.880 --> 01:17:34.000 one Now no, just to do me the same thing? No, 1347 01:17:34.000 --> 01:17:37.640 you don't. You don't really, don't really, don't say that anyway. Now, 1348 01:17:37.800 --> 01:17:40.439 my other one is password. But you guys all know 1349 01:17:40.520 --> 01:17:44.479 what I do with my password that really thwarts everyone. Okay, 1350 01:17:45.239 --> 01:17:49.640 what I do is I do P A S S 1351 01:17:50.439 --> 01:17:57.359 W zero rd genius. Yeah, it's thank you, thank you 1352 01:17:57.439 --> 01:18:00.520 for acknowledging my genius. So what do you think some 1353 01:18:00.640 --> 01:18:03.840 of the other passwords are? Now I'm gonna I'm actually 1354 01:18:03.880 --> 01:18:07.319 reading these off of a survey pet names. There's one, two, three, four, five, 1355 01:18:07.399 --> 01:18:10.119 six seven eight nine. There's one, two, three, four, five 1356 01:18:10.119 --> 01:18:13.079 sixty seven eight, so the the sequential numbers are way 1357 01:18:13.159 --> 01:18:17.760 up there. Password doc is number four. Then people use quirdy. 1358 01:18:18.479 --> 01:18:22.319 Now you know quirdy pat because of the lettering. They 1359 01:18:22.359 --> 01:18:27.279 call this a quirty keyboard because it spells out quirty. 1360 01:18:27.640 --> 01:18:29.920 So they can just go across the top of their 1361 01:18:30.000 --> 01:18:33.840 keyboard and spell out quirdy. Some do quirdy one two three, 1362 01:18:33.960 --> 01:18:37.399 some do coirdy one, and then what idiot ever did 1363 01:18:37.439 --> 01:18:39.840 this one? Oh and by the way, each of those 1364 01:18:39.880 --> 01:18:45.479 passwords they just mentioned take hackers one second to their 1365 01:18:45.520 --> 01:18:48.720 their with their little app. Okay, the other one number 1366 01:18:48.800 --> 01:18:53.520 seven one one one one one one or any variation 1367 01:18:53.640 --> 01:18:57.159 of one one one one or one one one anyway, 1368 01:18:57.399 --> 01:19:02.880 the next one secret, oh secret, But if you say 1369 01:19:02.920 --> 01:19:08.479 it's secret, obviously it's the other one is again, I'm 1370 01:19:08.800 --> 01:19:13.720 password one. Some people do password two. See anything about 1371 01:19:13.720 --> 01:19:19.680 pets or birthdays? Yes, that But here's the thing though, 1372 01:19:21.199 --> 01:19:23.680 that's only if you have a comment. If you have 1373 01:19:23.760 --> 01:19:26.560 a they say a pet name is not that terrible 1374 01:19:27.439 --> 01:19:30.279 if people don't know you, and yeah, no, you're gonna 1375 01:19:30.319 --> 01:19:34.760 do it your friends and neighbors. But if you post 1376 01:19:34.800 --> 01:19:37.159 with your pet and you put the name out there, 1377 01:19:37.239 --> 01:19:41.039 people try to hack you with that name. And it's amazingly. 1378 01:19:41.239 --> 01:19:46.520 Birthdays are stupid. Here's some other things that are stupid 1379 01:19:47.319 --> 01:19:51.039 for you. F O are you? Or the number four 1380 01:19:51.079 --> 01:19:54.319 and the letter you. So if it says this for 1381 01:19:54.439 --> 01:19:59.960 you or that, So I want to know I actually 1382 01:20:00.119 --> 01:20:03.600 you have a convention that I use for a password. 1383 01:20:03.760 --> 01:20:07.680 A convention. Do you know what that means? You want 1384 01:20:07.680 --> 01:20:10.960 to say, guess what that means? A convention. What I 1385 01:20:11.000 --> 01:20:14.399 mean is all of my passwords are different, but they 1386 01:20:14.439 --> 01:20:17.560 follow a convention. Now, what I used to do and 1387 01:20:17.600 --> 01:20:20.000 I don't do it anymore, is take the name of 1388 01:20:20.039 --> 01:20:24.560 the service. So if it was like Google, I would 1389 01:20:24.560 --> 01:20:26.840 take the name of the service and take the first 1390 01:20:26.840 --> 01:20:31.680 three letters, and then I would take the associated letters 1391 01:20:32.039 --> 01:20:34.720 and associate them with muse it's long, But I don't 1392 01:20:34.720 --> 01:20:37.239 do that anymore. But that's an example of a convention. 1393 01:20:37.760 --> 01:20:41.199 Another example of a convention would be you would have 1394 01:20:41.279 --> 01:20:45.319 your social security number. Let's say, so if your social 1395 01:20:45.399 --> 01:20:49.520 security number is like four or five six, you would 1396 01:20:49.880 --> 01:20:52.680 start with four or five six. Then in the middle 1397 01:20:52.720 --> 01:20:54.319 you would put the name of the service, and at 1398 01:20:54.359 --> 01:20:56.359 the end put the last four of your social or 1399 01:20:56.479 --> 01:20:59.319 you know what I'm saying. So things like that, so 1400 01:20:59.640 --> 01:21:02.159 you always have the same beginning and end, but the 1401 01:21:02.199 --> 01:21:05.960 middle is depending on the service. There's all kinds of 1402 01:21:06.239 --> 01:21:11.520 people use conventions sometimes so they can always have their 1403 01:21:11.560 --> 01:21:14.000 password even if they don't have their password, if they 1404 01:21:14.039 --> 01:21:16.800 know the name of the service. Now, some services won't 1405 01:21:16.920 --> 01:21:19.600 let you use the name of the service in the password, 1406 01:21:20.000 --> 01:21:22.680 but you can use the variation of it. Now, my 1407 01:21:22.960 --> 01:21:25.880 convention is so off, no one would ever get it 1408 01:21:25.920 --> 01:21:29.319 in a million trillion years, ever, ever, ever, ever. Because 1409 01:21:29.319 --> 01:21:31.119 it was an expression I used when my kids were 1410 01:21:31.159 --> 01:21:34.159 babies that I talked to them in baby It's a 1411 01:21:34.239 --> 01:21:37.079 kind of baby expression I had, So it would be 1412 01:21:37.199 --> 01:21:42.159 you know, similar to some people who go you know, Google, Googoo. Anyway, 1413 01:21:41.960 --> 01:21:44.119 So I had an expression I did with my kids, 1414 01:21:44.319 --> 01:21:47.920 and I break it up and then I embed a code, 1415 01:21:48.279 --> 01:21:51.439 a different code for each thing, code triggered by the 1416 01:21:51.560 --> 01:21:55.119 name of the UH service. You don't worry. You're never 1417 01:21:55.119 --> 01:21:57.039 going to get it, so it doesn't matter. I always 1418 01:21:57.079 --> 01:22:00.520 get excellent or so, you know, like I always get 1419 01:22:00.760 --> 01:22:06.319 highly rated passwords. But I often wonder how our passwords 1420 01:22:06.960 --> 01:22:11.520 hacked well. With the speed of computers, they can literally 1421 01:22:11.560 --> 01:22:15.239 do random words and random sections of words. That's why 1422 01:22:15.279 --> 01:22:18.520 they always say use a symbol, use the letters, and 1423 01:22:18.560 --> 01:22:21.560 then use numbers and use them and don't have They 1424 01:22:21.600 --> 01:22:25.439 don't recommend against They don't recommend conventions like I use. 1425 01:22:25.520 --> 01:22:29.479 By the way, they don't. So, Russ, what is your 1426 01:22:29.520 --> 01:22:36.840 comment on passwords, Russ? Yes, sir, so, I. 1427 01:22:36.880 --> 01:22:40.479 Just retired about forty years in the IT industry. 1428 01:22:40.520 --> 01:22:41.359 I've been doing it. 1429 01:22:41.319 --> 01:22:44.760 For a long time. Yes, as far as passwords are, 1430 01:22:44.800 --> 01:22:47.600 the best recommendation that I ever gave anybody, and I 1431 01:22:47.640 --> 01:22:50.720 heard this years ago at a cybersecurity class, is think 1432 01:22:50.720 --> 01:22:53.039 of a sentence that you can remember easily, and then 1433 01:22:53.119 --> 01:22:59.680 use the first letter of each word the ti MPW 1434 01:22:59.760 --> 01:23:00.880 this my password. 1435 01:23:01.840 --> 01:23:05.359 Okay, yeah, well that would be yeah, that okay, But 1436 01:23:05.359 --> 01:23:07.960 but have you have were they found to be safe? 1437 01:23:09.399 --> 01:23:10.840 Well, they're as safe as you can get. 1438 01:23:10.920 --> 01:23:11.039 So. 1439 01:23:11.119 --> 01:23:13.319 I used to do a class at the agency that 1440 01:23:13.399 --> 01:23:16.600 I work for, and we would pick a dictionary I 1441 01:23:17.319 --> 01:23:20.039 you know, ask somebody for a dictionary word. I would 1442 01:23:20.279 --> 01:23:23.199 plug it into the computer. There's a there's a process 1443 01:23:23.239 --> 01:23:25.800 to go to crack passwords. Basically you've got to take 1444 01:23:25.800 --> 01:23:28.119 a file off of the computer. But once you get 1445 01:23:28.159 --> 01:23:31.000 that file, you can use a brute force cracker against it. 1446 01:23:31.720 --> 01:23:34.760 There's a bunch of them out there and literally, it 1447 01:23:34.800 --> 01:23:39.039 would it would pick, it would break dictionary words about 1448 01:23:39.039 --> 01:23:41.560 as fast as you could hit enter when you wanted 1449 01:23:41.600 --> 01:23:45.319 to to break the password. So don't use any dictionary 1450 01:23:45.359 --> 01:23:47.720 word phrases anything like that now here. 1451 01:23:47.760 --> 01:23:49.479 I want to ask you something, Russ. I want to 1452 01:23:49.479 --> 01:23:53.359 ask you something seriously. Now, I have done this before 1453 01:23:53.560 --> 01:23:58.079 and I know other people on passwords. Is it bad 1454 01:23:58.479 --> 01:24:02.079 to have a convention that you use the same convention 1455 01:24:02.239 --> 01:24:05.600 or the same rule but it changes with the service. 1456 01:24:07.119 --> 01:24:08.279 Well, I do that same thing. 1457 01:24:08.359 --> 01:24:11.199 I do the same thing, but I change it for 1458 01:24:11.399 --> 01:24:14.720 the site that I'm logging. Into and to answer your question. 1459 01:24:15.039 --> 01:24:18.680 Probably because once they crack one password. 1460 01:24:18.159 --> 01:24:20.520 That's right, then they have them all. I feared that. 1461 01:24:21.000 --> 01:24:23.640 Now here's another thing I want to ask you. Let's 1462 01:24:23.680 --> 01:24:27.159 say Dropbox or Google Drive. There are people that keep 1463 01:24:27.520 --> 01:24:31.880 a drop dead list, or they keep lists of their passwords. 1464 01:24:32.279 --> 01:24:35.079 Is that a very very bad No? No, no, no, 1465 01:24:35.159 --> 01:24:37.880 I mean I hear Google has never been hacked. Is 1466 01:24:37.920 --> 01:24:38.399 that true? 1467 01:24:39.399 --> 01:24:43.199 Absolutely not, absolutely not. I trust Google as far as 1468 01:24:43.279 --> 01:24:44.279 I can throw a piano. 1469 01:24:45.479 --> 01:24:45.880 I don't. 1470 01:24:46.000 --> 01:24:48.640 I don't use Google. I don't use Google for anything. 1471 01:24:48.800 --> 01:24:52.600 I plenty of people I'm sure that I worked with, 1472 01:24:52.960 --> 01:24:55.159 you know, think I need a tinfoil hat. But I'm 1473 01:24:55.159 --> 01:24:59.239 telling you the cyberseclear security classes that I've done, they're 1474 01:24:59.359 --> 01:25:03.199 storing everything and anything they can get on you, and 1475 01:25:03.199 --> 01:25:07.880 and passwords. I would never use Google. There are password 1476 01:25:07.960 --> 01:25:11.960 vault applications that you know will tell you they're very encrypted, 1477 01:25:12.039 --> 01:25:15.039 blah blah blah all this, but all the what you've 1478 01:25:15.119 --> 01:25:18.079 essentially done, you've now traded all your different paths. 1479 01:25:18.279 --> 01:25:20.960 No, I know, I know that's what I figured. How 1480 01:25:21.000 --> 01:25:25.119 do you even though these services are honest. 1481 01:25:24.479 --> 01:25:29.479 Absolutely absolutely you don't, you don't. And the other thing, 1482 01:25:29.680 --> 01:25:30.279 the other thing. 1483 01:25:30.880 --> 01:25:31.079 Yeah. 1484 01:25:31.119 --> 01:25:36.159 Absolutely. The other thing that I wanted to mention is AI. I. 1485 01:25:36.159 --> 01:25:38.479 I just would like to. 1486 01:25:37.800 --> 01:25:40.800 Present the idea that when you get on AI, you're 1487 01:25:40.840 --> 01:25:48.479 basically helping create your synthetic replacement. The tinfoil hat stuff 1488 01:25:48.520 --> 01:25:49.359 comes into play. 1489 01:25:49.640 --> 01:25:51.600 Well, man, that's why they keep getting. 1490 01:25:53.199 --> 01:25:56.279 Yeah, you're you're training your replacement. The camera industry is 1491 01:25:56.319 --> 01:25:58.960 freaking out because nobody needs to buy a camera now 1492 01:25:59.239 --> 01:26:02.399 because I can any picture that you want. 1493 01:26:03.279 --> 01:26:06.319 Well, it's not the same as saying, honey, look what 1494 01:26:06.359 --> 01:26:10.439 I saw when I went hiking. Come on, Although thank 1495 01:26:10.479 --> 01:26:13.159 you Russ for the food for thought. Java is next, 1496 01:26:13.159 --> 01:26:15.000 but I gotta take a break. And then Daryl with 1497 01:26:15.119 --> 01:26:18.680 best Buy. I'm Tom Martino three three seven one three 1498 01:26:18.720 --> 01:26:26.880 eight two five five Go with a sure thing Denver's 1499 01:26:26.920 --> 01:26:29.800 best roofer Excel roofing dot com. You don't pay a 1500 01:26:29.880 --> 01:26:36.359 cent until you're content. Time for an insurance check up free, 1501 01:26:36.439 --> 01:26:40.119 no obligation. In comparison, call Compass Insurance paying too much 1502 01:26:40.319 --> 01:26:43.239 your coverage at dozens of insurance companies find out now 1503 01:26:43.319 --> 01:26:45.840 three oh three seven seven to one help. You'll think 1504 01:26:45.840 --> 01:26:48.399 you're his only customer when you choose Frank durand the 1505 01:26:48.479 --> 01:26:51.119 real estate man dot com to list your home with 1506 01:26:51.239 --> 01:26:55.520 Remax Alliance three oh three nine two zero sixteen twenty two. 1507 01:26:57.039 --> 01:27:01.079 I'm Tom Martino. You're a troubleshooter. Jaba's got a comment 1508 01:27:01.119 --> 01:27:04.239 on passwords? Jaba, what's your comment? 1509 01:27:05.880 --> 01:27:09.319 Hey Tom, I'll tell you that McDonald's was grossed last 1510 01:27:09.319 --> 01:27:16.399 time I called Yes. So the characters like that guy 1511 01:27:16.520 --> 01:27:18.960 was saying to the cyberclasses, I've been through many of 1512 01:27:18.960 --> 01:27:21.319 them about saying a phrase, you know, and doing the 1513 01:27:21.319 --> 01:27:22.560 first letter of every word. 1514 01:27:22.640 --> 01:27:25.920 Yeah, good stuff. And you're supposed to have at least. 1515 01:27:25.760 --> 01:27:29.199 Twenty characters in that password or to be hacked within 1516 01:27:29.319 --> 01:27:30.000 no time. 1517 01:27:30.439 --> 01:27:32.199 So what I'm always trying to do, you know, like 1518 01:27:32.239 --> 01:27:34.119 what if I'm dead or whatever, I write it down 1519 01:27:34.159 --> 01:27:36.359 to where you have to be, you know, like your 1520 01:27:36.359 --> 01:27:36.840 wife and. 1521 01:27:36.840 --> 01:27:38.840 You you want to tell her. 1522 01:27:39.239 --> 01:27:44.800 So what we do is we misspell words, numbers and 1523 01:27:44.920 --> 01:27:48.640 exclamations and symbols. But we are the only ones. 1524 01:27:48.439 --> 01:27:50.560 That missedell words. 1525 01:27:50.600 --> 01:27:52.439 So that's really I mean, you can think. 1526 01:27:52.279 --> 01:27:56.560 Of anything, but you know, I would never do a 1527 01:27:56.600 --> 01:27:59.479 password locker or any of that crap. I put it 1528 01:27:59.520 --> 01:28:01.479 on a piece of paper and what if I die, 1529 01:28:01.960 --> 01:28:02.600 it's right there. 1530 01:28:02.640 --> 01:28:03.760 But if your house burns up. 1531 01:28:03.800 --> 01:28:06.479 Well, I don't know what you do. 1532 01:28:06.520 --> 01:28:08.520 You know, I know what you're saying. I know what 1533 01:28:08.560 --> 01:28:11.079 you're saying. What do you do with all of your 1534 01:28:11.079 --> 01:28:15.039 bank accounts and all your your all of your online accesses? 1535 01:28:15.079 --> 01:28:17.840 I mean, you know, we all have too much to remember. 1536 01:28:17.920 --> 01:28:20.239 What do you make a list somewhere? But you don't 1537 01:28:20.239 --> 01:28:22.520 do it online? Right? Uh? 1538 01:28:23.039 --> 01:28:24.319 Yeah, we don't do it online. 1539 01:28:24.359 --> 01:28:27.680 But we have like like me, I have like four 1540 01:28:27.800 --> 01:28:29.680 different misspelled words. 1541 01:28:29.319 --> 01:28:33.680 And symbols and whatever. She she has like four or five. 1542 01:28:33.520 --> 01:28:36.720 Different ways of putting you know. 1543 01:28:36.680 --> 01:28:39.439 Even Bible versus and things like that in there in 1544 01:28:39.479 --> 01:28:42.800 her and I know her passwords and she knows my passwords. 1545 01:28:43.359 --> 01:28:44.920 Okay, we never do we never. 1546 01:28:44.760 --> 01:28:47.279 Do a finger, We never do a retina. We never 1547 01:28:47.319 --> 01:28:48.800 do a face because. 1548 01:28:48.479 --> 01:28:52.000 Wait, you don't like you don't like biometrics. 1549 01:28:51.920 --> 01:28:54.359 No, because what if you do do if you're dead. 1550 01:28:54.199 --> 01:28:56.039 You can't call in there with a finger. 1551 01:28:57.800 --> 01:29:00.600 Yeah, but I think, okay, I think you have wherever 1552 01:29:00.640 --> 01:29:03.359 there's a biometric or a face ID, I think you 1553 01:29:03.479 --> 01:29:04.960 have an alternate password. 1554 01:29:05.079 --> 01:29:08.560 I think you got to go through a hard line. 1555 01:29:08.720 --> 01:29:11.439 You've got to prove yourself like she's dead. 1556 01:29:12.560 --> 01:29:14.720 Yeah, I don't know okay, but. 1557 01:29:14.720 --> 01:29:17.359 I know that I need to reset the password and 1558 01:29:17.399 --> 01:29:19.840 then send it to her email, but you better have 1559 01:29:19.960 --> 01:29:21.920 access to her email and everything else. 1560 01:29:21.960 --> 01:29:24.840 All right, Well, Jaba, thank you. No one's ever cracked 1561 01:29:24.880 --> 01:29:29.680 PASSW zero RD yet for me, but if they do, 1562 01:29:29.760 --> 01:29:31.560 I'm just going to put an explanation point at the 1563 01:29:32.079 --> 01:29:35.039 back of it. Then that'll change it. Have you ever 1564 01:29:35.079 --> 01:29:36.640 done that when they ask for a new password? You 1565 01:29:36.680 --> 01:29:39.079 get pissed off. I get pissed off because I like 1566 01:29:39.119 --> 01:29:43.520 my passwords, Daryl, what's going on with best Buy? Hello, Darryl? 1567 01:29:45.800 --> 01:29:46.239 Hi, Tom? 1568 01:29:46.279 --> 01:29:47.279 How are you today? 1569 01:29:47.359 --> 01:29:49.159 Good man? What's going on with best Buy? 1570 01:29:50.840 --> 01:29:54.840 Well, I'm really frustrated, Tom. So on the nineteenth of October, 1571 01:29:55.039 --> 01:29:58.720 I went to best Buy in Longmont and I bought 1572 01:29:58.720 --> 01:30:04.439 a TV with the surround sound and Starling. 1573 01:30:05.199 --> 01:30:09.239 It's was on the eighteenth, right on the eighteen, nineteenth, nineteen, 1574 01:30:09.520 --> 01:30:11.079 on the nineteenth, okay, got it. 1575 01:30:12.520 --> 01:30:16.479 So I paid ninety nine dollars and ninety nine cents 1576 01:30:16.600 --> 01:30:22.000 to set up the sound system and I paid two hundred. 1577 01:30:21.720 --> 01:30:24.199 Wait wait, wait, wait, why did you why did you? Oh? 1578 01:30:24.279 --> 01:30:25.399 You wanted them to do it? 1579 01:30:26.520 --> 01:30:29.119 Yeah yeah, yeah, yeah, yeah yeah, okay, all right. 1580 01:30:29.000 --> 01:30:31.279 And so they had their key squad. 1581 01:30:31.399 --> 01:30:33.000 Is that what to install it? 1582 01:30:33.079 --> 01:30:33.319 Yeah? 1583 01:30:33.520 --> 01:30:35.000 Yeah, well that's what I thought. 1584 01:30:35.479 --> 01:30:36.239 That's what I thought. 1585 01:30:36.279 --> 01:30:37.119 Wouldn't you think that? 1586 01:30:37.840 --> 01:30:38.880 Well that's what I think. 1587 01:30:38.960 --> 01:30:41.239 Yeah, okay. 1588 01:30:41.279 --> 01:30:44.880 So on the twenty fifth, two men in a pickup. 1589 01:30:44.520 --> 01:30:50.640 Show up and they they installed the TV. Fine, they 1590 01:30:50.720 --> 01:30:54.600 put the speakers where they should be, but they didn't 1591 01:30:54.640 --> 01:30:56.000 know how to program anything. 1592 01:30:56.680 --> 01:30:58.880 And now the speakers you bought, did it come with 1593 01:30:59.039 --> 01:31:01.439 did the speed? Were the speaker's a separate sound system 1594 01:31:01.439 --> 01:31:06.600 for your TV? Correct? Yeah? Okay, yeah, okay. And so 1595 01:31:06.800 --> 01:31:08.800 they didn't know how to program, meaning what. 1596 01:31:10.399 --> 01:31:13.640 They couldn't get the speakers to talk to the TV. 1597 01:31:14.359 --> 01:31:17.880 Oh okay, So they weren't hard wire? 1598 01:31:20.000 --> 01:31:21.640 No, no, no, no, they're Bluetooth. 1599 01:31:22.279 --> 01:31:24.640 Yeah, god, what you know? I often wait a minute, 1600 01:31:24.920 --> 01:31:27.960 how do they do that with TVs with Bluetooth? And 1601 01:31:28.039 --> 01:31:32.239 don't get that split second delay? Dragon? Don't they doesn't 1602 01:31:32.279 --> 01:31:34.680 Bluetooth have such a delay. We don't. We can't even 1603 01:31:34.760 --> 01:31:37.520 use them for headsets on the radio. So I wonder 1604 01:31:38.159 --> 01:31:41.800 if you get lip lip flap or whatever. Well, I'm 1605 01:31:41.880 --> 01:31:43.600 just sure they're anyway. 1606 01:31:43.720 --> 01:31:47.800 Well, they're plugged in so that the power the power 1607 01:31:47.880 --> 01:31:52.399 is one ten, So I get that yeah, but then 1608 01:31:52.439 --> 01:31:56.079 the speakers are supposed to talk to the TV and 1609 01:31:57.239 --> 01:31:58.279 they couldn't figure it out. 1610 01:31:58.560 --> 01:32:00.720 Yeah, but it's all bluetooth, right, you connect to your 1611 01:32:00.760 --> 01:32:07.439 TV by bluetooth. Yeah, okay, I can't. Okay, now I 1612 01:32:07.479 --> 01:32:10.399 can see that from music, because with music, you don't 1613 01:32:10.399 --> 01:32:12.760 know what's coming out out of this, out of the 1614 01:32:12.880 --> 01:32:15.880 MP three, and you don't have lips to worry about, 1615 01:32:15.920 --> 01:32:19.600 or you don't have synchronization. But that's okay, that's another topic. 1616 01:32:19.720 --> 01:32:21.960 That's not what you're calling about. But I find it 1617 01:32:22.039 --> 01:32:25.079 strange they use a bluetooth because there's always going to 1618 01:32:25.119 --> 01:32:27.800 be a delay that would freak me out. But keep going. 1619 01:32:27.880 --> 01:32:29.399 What happened? What did they do wrong? 1620 01:32:30.880 --> 01:32:35.000 Well, then, well they didn't the starlink. 1621 01:32:35.359 --> 01:32:40.000 They had never they had never installed a starting either 1622 01:32:40.039 --> 01:32:41.079 one of these guys. 1623 01:32:41.520 --> 01:32:43.760 Yeah, but isn't that just isn't that just a router? 1624 01:32:45.960 --> 01:32:48.680 Well, it's it's the antenna. So they had to mount 1625 01:32:48.720 --> 01:32:52.760 the antenna to the road house the cable from this. 1626 01:32:53.199 --> 01:32:56.319 So you bought the starlink system from best Buy? 1627 01:32:57.800 --> 01:32:58.079 Correct? 1628 01:32:58.640 --> 01:33:00.159 Oh, I didn't know they sold that. 1629 01:33:00.239 --> 01:33:04.119 Okay, keep going, I didn't either, Yeah, three hundred and 1630 01:33:04.119 --> 01:33:04.800 forty nine bucks. 1631 01:33:04.840 --> 01:33:05.880 I thought he was pretty cheap. 1632 01:33:06.159 --> 01:33:11.000 How is the service, by the way, Well, Tom, I 1633 01:33:11.039 --> 01:33:15.439 still don't have it. What I said, I don't want 1634 01:33:15.479 --> 01:33:18.760 you installing something that the and the and the guy's like, 1635 01:33:18.880 --> 01:33:20.680 I don't want to I don't even want to do it. 1636 01:33:20.720 --> 01:33:22.560 I've never done one before. I don't want to do it. 1637 01:33:22.560 --> 01:33:26.079 I says, Well, this was supposed to be the geek squad. 1638 01:33:27.039 --> 01:33:29.640 So then I go. 1639 01:33:29.560 --> 01:33:31.239 In on the twenty eighth. 1640 01:33:31.319 --> 01:33:32.279 I went to the store. 1641 01:33:32.720 --> 01:33:35.399 Why don't you just get a refund for installation, Just 1642 01:33:35.439 --> 01:33:42.680 get a refund and try to find someone independently. Well, 1643 01:33:42.680 --> 01:33:43.000 why not. 1644 01:33:44.640 --> 01:33:47.479 A temp too? At temp Too? They were supposed to 1645 01:33:47.520 --> 01:33:50.439 send the geek squad out Friday. 1646 01:33:51.000 --> 01:33:52.760 Oh god, okay. 1647 01:33:52.840 --> 01:33:56.920 Friday, the same guy in the pickup truck shows up. 1648 01:33:57.520 --> 01:33:58.319 No geek squad. 1649 01:34:00.159 --> 01:34:02.920 Okay, you have a thing against pickup trucks. I mean, 1650 01:34:03.319 --> 01:34:05.039 is the fact that the pickup. 1651 01:34:04.680 --> 01:34:06.600 Truck Okay, no, it's just the guy. 1652 01:34:06.760 --> 01:34:09.279 The guy didn't know it was the same guy, Tom. 1653 01:34:09.560 --> 01:34:11.720 It became in a super ruthough, Okay, go ahead. 1654 01:34:11.920 --> 01:34:14.720 I didn't want to be here. I didn't want to 1655 01:34:14.760 --> 01:34:17.720 do this, he said. I told him, I've never installed 1656 01:34:17.760 --> 01:34:19.560 one before. Why are you sending me out? 1657 01:34:19.600 --> 01:34:21.119 Here to do this. 1658 01:34:21.199 --> 01:34:22.439 I've never done it before. 1659 01:34:22.600 --> 01:34:25.520 Then why did he bother showing up? For God's sakes, 1660 01:34:26.760 --> 01:34:29.520 That's what I said. All right, listen, hold on, I 1661 01:34:29.520 --> 01:34:30.920 got to take a break. Just hold on, We'll come 1662 01:34:31.000 --> 01:34:37.880 right back to you. I'm Tom Martine. Go with a 1663 01:34:37.920 --> 01:34:41.479 sure thing Denver's best roofer Excel Roofing dot com. You 1664 01:34:41.479 --> 01:34:47.239 don't pay a cent until you're content. Time for an 1665 01:34:47.279 --> 01:34:51.520 insurance checkup free, no obligation. In comparison, call Compass Insurance 1666 01:34:51.680 --> 01:34:54.680 paying too much your coverage at dozens of insurance companies 1667 01:34:54.760 --> 01:34:57.359 find out now three oh three, seven to seven to one. Help. 1668 01:34:57.520 --> 01:35:00.239 You'll think you're his only customer when you choose ranked 1669 01:35:00.359 --> 01:35:02.680 Rand the real estate Man dot com to list your 1670 01:35:02.720 --> 01:35:05.840 home with Remax Alliance three oh three nine two zero 1671 01:35:06.000 --> 01:35:12.079 sixteen twenty two. Tom Martino here three three seven one 1672 01:35:12.159 --> 01:35:14.000 three talks seven one three eight two five to five. 1673 01:35:14.680 --> 01:35:20.439 So anyway, Darryl, here's the bottom line. I think what 1674 01:35:20.439 --> 01:35:23.119 you're trying to do is what's called performance. You're trying 1675 01:35:23.159 --> 01:35:26.279 to force performance because you paid for it. I always say, 1676 01:35:26.279 --> 01:35:28.600 at some point you just cut bait and run. You 1677 01:35:28.640 --> 01:35:30.840 take your money back and just do it yourself, or 1678 01:35:30.840 --> 01:35:33.640 have somebody else do it? Why do you insist on 1679 01:35:33.720 --> 01:35:35.920 having them do it? I mean there's there comes a point. 1680 01:35:36.000 --> 01:35:37.880 Okay, No, I don't. 1681 01:35:38.239 --> 01:35:38.439 Don't. 1682 01:35:38.479 --> 01:35:40.720 We'll get your money back there, I won't give Yeah, 1683 01:35:40.760 --> 01:35:41.239 they will, yeh. 1684 01:35:41.479 --> 01:35:42.239 What I'm trying to do. 1685 01:35:42.720 --> 01:35:44.920 If they never install it, they're going to give your 1686 01:35:44.920 --> 01:35:47.399 money back. What did you actually had somebody at best Buy? 1687 01:35:48.079 --> 01:35:48.279 Yeah? 1688 01:35:48.359 --> 01:35:51.880 They just keep saying, well, well, well we'll we'll do it. 1689 01:35:51.840 --> 01:35:56.800 Okay, schedule kachina Kaschina. Don't we have somebody at best Buy? 1690 01:35:57.039 --> 01:35:59.880 Or did we or we have somebody that cares about them? 1691 01:36:00.159 --> 01:36:00.760 We used to? 1692 01:36:01.239 --> 01:36:02.159 I'm not sure. 1693 01:36:02.359 --> 01:36:03.279 I will have to check. 1694 01:36:03.439 --> 01:36:06.520 I'm gonna give it. I want Deputy d to bust 1695 01:36:06.520 --> 01:36:10.479 their butts about this, okay, and give us any contact 1696 01:36:10.520 --> 01:36:13.439 you might have. But it seems to me that if 1697 01:36:13.439 --> 01:36:16.840 they can't get it done right, forget about rescheduling. At 1698 01:36:16.880 --> 01:36:19.960 some point you got to say no, keep that guy 1699 01:36:20.000 --> 01:36:24.000 in the pickup truck out of my damn life. Okay, 1700 01:36:24.079 --> 01:36:28.039 come on, at least send somebody in a subaru, Okay, 1701 01:36:28.119 --> 01:36:33.920 I mean, or you know whatever, Daryl, listen, I'm with you, 1702 01:36:34.079 --> 01:36:36.479 and I would be as frustrated as you are. All 1703 01:36:36.600 --> 01:36:42.880 right now, I Lucy has a question about home title theft, 1704 01:36:43.079 --> 01:36:48.239 and I suppose she's heard the commercials about people stealing houses, right, 1705 01:36:48.399 --> 01:36:48.880 y U see? 1706 01:36:49.319 --> 01:36:52.600 Yeah, I have thank you Tom for taking my call. 1707 01:36:54.479 --> 01:37:01.079 I got an advertising letter about from this company called 1708 01:37:01.119 --> 01:37:06.159 home Title Lock, and I keep hearing ads like, oh, 1709 01:37:06.239 --> 01:37:08.840 it's a real nightmare. You have to get this service. 1710 01:37:08.920 --> 01:37:11.159 And I have a friend even insisting that. 1711 01:37:11.239 --> 01:37:12.079 I should do this. 1712 01:37:12.439 --> 01:37:15.600 All right, have you ever had your how long? How long? 1713 01:37:15.680 --> 01:37:16.239 How old are you? 1714 01:37:17.680 --> 01:37:19.119 I'm sixty seven? 1715 01:37:19.640 --> 01:37:21.640 And how long have you owned homes? 1716 01:37:23.199 --> 01:37:28.079 This home I've owned probably for at least over thirty years. 1717 01:37:28.560 --> 01:37:29.520 Has it? Is it paid for? 1718 01:37:30.680 --> 01:37:31.279 Yes? 1719 01:37:31.479 --> 01:37:34.479 Has anyone tried to steal it? 1720 01:37:34.720 --> 01:37:35.079 Uh? 1721 01:37:35.239 --> 01:37:36.279 Not to my knowledge? 1722 01:37:36.720 --> 01:37:39.399 Yeah, I'm going to tell you something. Okay. It's true 1723 01:37:39.880 --> 01:37:43.079 that people can file a quick claim deed without much 1724 01:37:43.119 --> 01:37:47.720 documentation or just a fraudulent notary, and they can put 1725 01:37:47.760 --> 01:37:49.479 a lien on your house as if they own it. 1726 01:37:49.960 --> 01:37:52.920 They could or or they could make believe they own it. 1727 01:37:52.960 --> 01:37:55.479 They could become the owner. That doesn't mean they're going 1728 01:37:55.520 --> 01:37:57.880 to own it. It means that they committed fraud. That's 1729 01:37:57.920 --> 01:38:00.840 what it means. Okay, that doesn't mean they own it. 1730 01:38:00.880 --> 01:38:04.479 Does it create a hassle it could. So here's the deal, 1731 01:38:05.399 --> 01:38:08.159 Home Tidle Lock and none of these services do anything 1732 01:38:08.199 --> 01:38:11.359 about it. Okay they don't. They don't go to court, 1733 01:38:11.439 --> 01:38:13.359 they don't fight, they don't do any of that. What 1734 01:38:13.399 --> 01:38:17.880 they do is this, Okay. They let you know when 1735 01:38:17.960 --> 01:38:22.239 someone records an instrument against your home, whether it be 1736 01:38:22.279 --> 01:38:26.960 a mechanics lean, a quit claim, deed, a mortgage, whatever 1737 01:38:27.039 --> 01:38:30.760 it is, they let you know. Okay, that's what they do. 1738 01:38:30.960 --> 01:38:32.079 Okay. 1739 01:38:33.039 --> 01:38:35.399 How much do you pay for somebody letting you know 1740 01:38:35.439 --> 01:38:37.920 every month? How much is it? What do they want for? 1741 01:38:38.880 --> 01:38:42.279 That's the thing. The letter doesn't say what the. 1742 01:38:42.159 --> 01:38:45.439 Costs are was in my opinion, I wouldn't get it. 1743 01:38:45.560 --> 01:38:48.000 I don't want it. It's not worth it. That's my opinion. 1744 01:38:48.680 --> 01:38:52.199 Does that mean they're useless? No, they actually do what 1745 01:38:52.239 --> 01:38:56.960 they say. But here's the good news. Many counties around 1746 01:38:57.760 --> 01:39:02.479 the country are now offering this service free of charge. 1747 01:39:02.840 --> 01:39:03.960 Oh wonderful. 1748 01:39:04.520 --> 01:39:06.039 Now what county are you in? 1749 01:39:06.880 --> 01:39:07.720 Bolder? 1750 01:39:08.039 --> 01:39:10.920 Okay? I don't know if Boulder does it, but there 1751 01:39:11.720 --> 01:39:15.520 I suspect that Home Title Lock and those similar companies 1752 01:39:15.600 --> 01:39:18.000 will be out of business in a few years. Because 1753 01:39:18.439 --> 01:39:22.880 everyone most counties are starting to offer that free service. 1754 01:39:23.439 --> 01:39:25.479 You sign up for it and they send you a 1755 01:39:25.560 --> 01:39:32.399 notice whenever anyone tries to do your record against your home. Now, 1756 01:39:32.479 --> 01:39:36.880 here's something that title lock doesn't do. Although the name 1757 01:39:37.000 --> 01:39:43.520 says it, They don't lock your title. They don't prevent recordings. 1758 01:39:43.600 --> 01:39:49.840 They do not prevent them. They simply inform you. Okay, 1759 01:39:50.119 --> 01:39:51.239 you still have to fight it. 1760 01:39:52.640 --> 01:39:53.000 Okay. 1761 01:39:53.119 --> 01:39:58.560 So that's the absolute truth. Okay, So you know that's 1762 01:39:58.640 --> 01:40:00.840 why you're not going to see each in every detail 1763 01:40:00.960 --> 01:40:05.840 spelled out now, Tony, thank you for calling and call 1764 01:40:05.880 --> 01:40:07.840 if you have any other things, but call your county 1765 01:40:08.159 --> 01:40:12.319 and say, do you have it's not a title lock, 1766 01:40:12.399 --> 01:40:14.840 don't call it a titleock. Do you have a service 1767 01:40:15.800 --> 01:40:18.760 whereby you will notify me if anyone tries to record 1768 01:40:18.840 --> 01:40:22.319 anything against my home and send to this address or 1769 01:40:22.359 --> 01:40:26.039 by email. And most of them are doing it. Tony, 1770 01:40:27.039 --> 01:40:29.439 what's going on? You got to comment? 1771 01:40:31.119 --> 01:40:33.560 Yeah, I came in on the end of your conversation 1772 01:40:33.640 --> 01:40:37.359 about AI and photography, so I don't know if you've already. 1773 01:40:37.880 --> 01:40:41.279 Oh, someone said. Here's what they said. They said that, 1774 01:40:41.399 --> 01:40:44.840 you know, why have a digital camera because AI can 1775 01:40:44.880 --> 01:40:47.880 produce a picture of almost anything. And the truth is 1776 01:40:47.960 --> 01:40:50.680 they can't And the truth is, most people who say 1777 01:40:50.720 --> 01:40:53.199 that have no clue how AI works because it's not 1778 01:40:53.319 --> 01:40:56.239 that easy. But even if you do hack it, find 1779 01:40:56.439 --> 01:40:59.520 an app that can do it. They they it will 1780 01:40:59.600 --> 01:41:01.920 never take the place of a party you were at 1781 01:41:02.119 --> 01:41:03.439 or a vacation you went on. 1782 01:41:03.560 --> 01:41:09.439 Go ahead, No, but it is recreating reality. Because this 1783 01:41:09.479 --> 01:41:15.680 guy got a brand new Samsung camera phone. They promised 1784 01:41:15.760 --> 01:41:19.960 him the best pictures ever, and so he noticed that 1785 01:41:20.000 --> 01:41:22.000 there was something wrong with one of the pictures that 1786 01:41:22.039 --> 01:41:22.399 he took. 1787 01:41:23.560 --> 01:41:24.760 So he took a picture of. 1788 01:41:24.720 --> 01:41:28.920 The moon, and the picture came out super fantastic, like 1789 01:41:29.079 --> 01:41:32.279 better than he could see it without with his own 1790 01:41:32.279 --> 01:41:33.079 perfect vision. 1791 01:41:33.520 --> 01:41:37.079 So he did some experiments and he went into a 1792 01:41:37.199 --> 01:41:37.800 dark room. 1793 01:41:38.119 --> 01:41:41.960 He shone a light, a bright white light on a 1794 01:41:42.039 --> 01:41:44.920 dark in a dark room. He took pictures of. 1795 01:41:44.880 --> 01:41:48.359 It, and his camera role showed. 1796 01:41:48.079 --> 01:41:50.159 Him some fantastic pictures of the moon. 1797 01:41:52.399 --> 01:41:55.319 What does that? I don't understand. So what does that mean? 1798 01:41:55.520 --> 01:41:58.840 He took pictures of a white spot? 1799 01:41:59.279 --> 01:42:06.680 Oh oh oh oh oh really yes? Now he he 1800 01:42:06.800 --> 01:42:10.600 did this with his cell phone, his smartphone. 1801 01:42:10.119 --> 01:42:12.520 His Samsung with AI. 1802 01:42:12.920 --> 01:42:16.199 And then it tried to interpret what did you want 1803 01:42:16.239 --> 01:42:16.960 to see here? 1804 01:42:17.960 --> 01:42:21.399 It didn't give him reality and gave him altered reality. 1805 01:42:22.359 --> 01:42:24.600 Are you sure is this someone you know or is 1806 01:42:24.600 --> 01:42:26.279 this something you read on the post? 1807 01:42:26.760 --> 01:42:29.039 I know it was a video. 1808 01:42:29.079 --> 01:42:31.840 I watched the guy with the whole process in the. 1809 01:42:31.840 --> 01:42:34.479 Yeah, but how do you know it's true? In other words, 1810 01:42:34.560 --> 01:42:39.399 whenever I see these videos, I mean, give me, what 1811 01:42:39.600 --> 01:42:40.560 is it on YouTube? 1812 01:42:42.319 --> 01:42:42.720 It was? 1813 01:42:42.800 --> 01:42:43.760 I'd have to find it. 1814 01:42:44.199 --> 01:42:45.920 No, no, I'm going to look for it. I'll look 1815 01:42:45.960 --> 01:42:46.279 for it. 1816 01:42:46.439 --> 01:42:51.560 I listen, Yeah, white light becomes moon or something like that. 1817 01:42:52.760 --> 01:42:55.319 Samsung Ai producing fake images? 1818 01:42:55.359 --> 01:42:55.840 I don't know. 1819 01:42:56.439 --> 01:42:59.319 No, no, but that's that would be That would be 1820 01:42:59.359 --> 01:43:01.840 the height of all insults. So what you take a 1821 01:43:01.880 --> 01:43:04.000 picture of your wife or husband and you get someone 1822 01:43:04.039 --> 01:43:04.680 more handsome? 1823 01:43:05.920 --> 01:43:06.199 Really? 1824 01:43:07.600 --> 01:43:07.920 Really? 1825 01:43:08.000 --> 01:43:11.199 I mean, my imagination doesn't stop there. What you can 1826 01:43:11.199 --> 01:43:13.039 take pictures of to get an exaggeration? 1827 01:43:13.159 --> 01:43:13.439 Come on? 1828 01:43:13.840 --> 01:43:17.079 I doubt I doubt it, but okay, I'll look for 1829 01:43:17.159 --> 01:43:19.680 it though. Thank you for telling me about it. Now, Kevin, 1830 01:43:20.000 --> 01:43:22.319 what's going on? You have a comment on that Best 1831 01:43:22.359 --> 01:43:25.520 Buy issue where they charge for installation and send two 1832 01:43:25.560 --> 01:43:27.920 guys in a pickup truck. What's that? 1833 01:43:29.399 --> 01:43:29.680 Oh? 1834 01:43:29.680 --> 01:43:31.159 Oh, I'm sorry, I thought I did. 1835 01:43:31.159 --> 01:43:31.560 I'm sorry. 1836 01:43:31.640 --> 01:43:39.560 Okay, gotta take a break go with a sure thing 1837 01:43:39.680 --> 01:43:43.000 Denver's best roofer Excel Roofing dot com. You don't pay 1838 01:43:43.039 --> 01:43:49.640 a cent until you're content. Time for an insurance checkup free, 1839 01:43:49.720 --> 01:43:53.479 no obligation. In comparison, call Compass Insurance paying too much 1840 01:43:53.600 --> 01:43:56.600 your coverage at dozens of insurance companies find out now 1841 01:43:56.600 --> 01:43:59.119 three oh three seven seven to one help. You'll think 1842 01:43:59.159 --> 01:44:01.720 you're his only customer when you choose Frank durand the 1843 01:44:01.760 --> 01:44:04.399 real estate Man dot com to list your home with 1844 01:44:04.520 --> 01:44:09.399 Remax Alliance three all three nine two zero sixteen twenty two. 1845 01:44:13.479 --> 01:44:18.880 Ripped. You need advice so you don't have. 1846 01:44:21.000 --> 01:44:23.399 Come running as fast as we can. 1847 01:44:24.720 --> 01:44:29.079 Shooter's gonna help, coming man, This is. 1848 01:44:29.039 --> 01:44:33.399 The Troubleshooter Show. No Tom Martino, Hey. 1849 01:44:33.520 --> 01:44:36.560 Tom Martino here, Welcome to the show. Three all three 1850 01:44:36.800 --> 01:44:40.680 seven one three talk seven one three eight two five five. 1851 01:44:40.760 --> 01:44:45.279 Let's talk to uh well, actually we are on the 1852 01:44:45.359 --> 01:44:47.840 phone right now. Wait, woe is this another one? 1853 01:44:48.000 --> 01:44:48.439 Wait? Wait? 1854 01:44:48.479 --> 01:44:52.039 Wait, this is another best buy issue or a comment 1855 01:44:52.119 --> 01:44:54.720 on it. I'm sorry we have I hear Deputy D 1856 01:44:54.880 --> 01:44:58.039 talking to them right now about it. This guy bought 1857 01:44:58.119 --> 01:45:00.760 a TV in a soundbar or some sound speakers and 1858 01:45:00.920 --> 01:45:05.119 some in starlink and paid for installation and they can't 1859 01:45:05.159 --> 01:45:08.279 do it, so he wants it done. They keep rescheduling. 1860 01:45:08.720 --> 01:45:11.600 He's upset with him. Kevin, what is your comment on this? 1861 01:45:13.079 --> 01:45:16.359 I just went through exactly the same situation. If you 1862 01:45:16.439 --> 01:45:20.399 don't spend enough money with Best Buy, they send out 1863 01:45:20.560 --> 01:45:24.920 the B team, which is a subcontractor to the Geek Squad. 1864 01:45:25.479 --> 01:45:29.680 When they show up, they know nothing, So you got 1865 01:45:29.720 --> 01:45:33.800 to go back and make the real geek Squad come 1866 01:45:33.880 --> 01:45:35.560 back and do it correctly. 1867 01:45:36.359 --> 01:45:38.720 They're as as stupid as that. 1868 01:45:38.720 --> 01:45:39.479 That's how it is. 1869 01:45:40.000 --> 01:45:43.079 If you spend twenty grand on a stereo, the good 1870 01:45:43.079 --> 01:45:47.079 guys show up. If you spend two thousand, the B 1871 01:45:47.239 --> 01:45:50.439 team shows up and then it turns into a wreck. 1872 01:45:50.840 --> 01:45:51.960 I just went through it. 1873 01:45:53.000 --> 01:45:56.359 Wow, So what did you What did you buy? Well? 1874 01:45:56.399 --> 01:45:59.319 I just I just bought a big TV and a 1875 01:45:59.359 --> 01:46:00.000 different receipt. 1876 01:46:00.119 --> 01:46:01.960 Were in a bunch and you and you wanted them 1877 01:46:02.000 --> 01:46:02.920 to set it all up. 1878 01:46:03.600 --> 01:46:07.239 Yep, they they they the idiots came out. They couldn't 1879 01:46:07.279 --> 01:46:10.079 do it. I went back to the store and I said, 1880 01:46:10.520 --> 01:46:13.279 this is how it's going to be. Send the guys 1881 01:46:13.279 --> 01:46:16.840 that know what's going on to my house and get 1882 01:46:16.880 --> 01:46:22.159 it handled. And they did, Oh oh yeah. You just 1883 01:46:22.199 --> 01:46:24.439 got to be serious with them and tell them this 1884 01:46:24.520 --> 01:46:25.119 is how it is. 1885 01:46:25.640 --> 01:46:29.039 How How did you know the first crew that showed 1886 01:46:29.119 --> 01:46:32.119 up wasn't the geek squad because they didn't. 1887 01:46:31.920 --> 01:46:34.760 Show up in a geek squad van for one thing. Okay, 1888 01:46:34.760 --> 01:46:36.239 they showed up in a pickup truck. 1889 01:46:38.279 --> 01:46:43.600 Okay, Well, Kevin, that's that's good information. I didn't know how. 1890 01:46:44.000 --> 01:46:47.840 That's exactly how best Buy works is they got a 1891 01:46:47.840 --> 01:46:51.479 whole bunch of subcontractors and the good guys work on 1892 01:46:51.520 --> 01:46:52.680 the expensive stuff. 1893 01:46:53.479 --> 01:46:53.920 That's it. 1894 01:46:54.079 --> 01:46:54.680 That's period. 1895 01:46:54.720 --> 01:46:55.079 That's how. 1896 01:46:55.439 --> 01:46:57.279 That's how it works. I figured it out. 1897 01:46:57.760 --> 01:47:00.680 Thank you, Thank you, Kevin. Appreciate your calling. Three seven 1898 01:47:00.680 --> 01:47:04.239 to one three talk seven one three eight two five five. 1899 01:47:04.880 --> 01:47:11.399 So here's the deal. If you have an issue, though 1900 01:47:11.479 --> 01:47:15.520 I've always said this before, there's something in the law 1901 01:47:15.720 --> 01:47:19.520 called specific performance where you've paid for something and you 1902 01:47:19.600 --> 01:47:21.520 kind of have a contract. Well, you do have a 1903 01:47:21.520 --> 01:47:23.560 contract if you paid for it, they offered it, you 1904 01:47:23.640 --> 01:47:29.399 paid and you accepted. Uh, And then they have terms 1905 01:47:29.399 --> 01:47:33.000 of a contract. They're going to install whatever. If they 1906 01:47:33.039 --> 01:47:36.520 can't do it properly, there's two ways to go, unless 1907 01:47:36.560 --> 01:47:40.600 otherwise specified in a contract. One way to go is 1908 01:47:40.800 --> 01:47:46.000 called liquidated damages, which means if they can't get it done, 1909 01:47:45.800 --> 01:47:48.239 you get a refund, or you get a certain amount 1910 01:47:48.239 --> 01:47:51.920 of money or whatever. The other way to go is 1911 01:47:51.960 --> 01:47:55.560 called specific performance, where you're saying, now, wait a minute, 1912 01:47:55.640 --> 01:47:57.680 damn it, I paid for this, and I don't care 1913 01:47:57.720 --> 01:48:01.479 what it takes. I want it done. And there have 1914 01:48:01.600 --> 01:48:03.640 been people who insist on it. They say, I don't 1915 01:48:03.640 --> 01:48:06.960 care even if somebody has proven they can't do it right. 1916 01:48:07.680 --> 01:48:10.199 But you're so pissed that you paid for it, you 1917 01:48:10.239 --> 01:48:12.039 don't want to try to find someone else to pay 1918 01:48:12.199 --> 01:48:15.439 and pay them, and you are afraid you might have 1919 01:48:15.479 --> 01:48:17.760 to pay more. So you say to the original people, 1920 01:48:18.239 --> 01:48:20.279 I have a contract with you. I expect you to 1921 01:48:20.319 --> 01:48:25.760 fulfill it. Specific performance, you better perform the problem. Even 1922 01:48:25.760 --> 01:48:30.920 though there is a legal right, kind of a civil right, 1923 01:48:31.399 --> 01:48:34.640 a legal right in civil court to get something done 1924 01:48:34.680 --> 01:48:39.920 that you paid for, it becomes ridiculous if the attitude 1925 01:48:39.960 --> 01:48:42.840 is such that they don't want to do that or 1926 01:48:42.880 --> 01:48:46.640 they can't do it right. You know, you just you're 1927 01:48:46.720 --> 01:48:49.960 forcing an issue that, in my opinion, you're begging for 1928 01:48:50.000 --> 01:48:53.600 a bad job. So I always say, if you can 1929 01:48:53.640 --> 01:48:55.960 get your money back and move on. Do it and 1930 01:48:56.079 --> 01:48:59.640 don't wait too long to do that. Three h three 1931 01:49:00.279 --> 01:49:05.880 reasonable attempt or two. But when you're talking about continual 1932 01:49:06.000 --> 01:49:10.239 screw ups, in my opinion, you should move on and 1933 01:49:10.279 --> 01:49:13.239 not insist that they do it. And of course this 1934 01:49:13.319 --> 01:49:16.520 guy said, I'm ready, I want my refund, but they 1935 01:49:16.600 --> 01:49:20.039 keep saying, no, we'll reschedule it, We'll reschedule it. And 1936 01:49:20.119 --> 01:49:22.439 I don't think that's the way to go. And by 1937 01:49:22.479 --> 01:49:25.359 the way, I hear good things about the Geek Squad. 1938 01:49:25.359 --> 01:49:31.319 I've never used them personally, but I'm not sure how 1939 01:49:31.319 --> 01:49:34.319 they train these people. They don't pay them a lot, 1940 01:49:34.479 --> 01:49:38.119 so I wouldn't rest my I wouldn't rest my hat 1941 01:49:38.199 --> 01:49:41.479 on that, on the fact that they that if it's 1942 01:49:41.479 --> 01:49:45.119 the Geek Squad, okay, If not, then they're bad. I 1943 01:49:45.119 --> 01:49:49.319 don't think it matters much. But maybe the Geek Squad 1944 01:49:49.720 --> 01:49:53.520 gives a better appearance with the shirts and the vans 1945 01:49:53.560 --> 01:49:57.680 and stuff. Three three seven one to three talk seven 1946 01:49:57.680 --> 01:49:59.960 one three eight two five five Deputy D. I noticed 1947 01:50:00.079 --> 01:50:03.560 you were on the phone and with them, what are 1948 01:50:03.600 --> 01:50:03.960 they say? 1949 01:50:04.359 --> 01:50:04.439 Uh? 1950 01:50:04.520 --> 01:50:07.039 And by the way, I say them best buy. Actually 1951 01:50:07.079 --> 01:50:09.239 I was on the phone with a consumer darryl oh 1952 01:50:09.319 --> 01:50:12.000 I thought you. 1953 01:50:10.800 --> 01:50:12.399 No, I was just I just came back here to 1954 01:50:12.439 --> 01:50:14.079 look up the phone number for Best Buy. 1955 01:50:14.239 --> 01:50:15.279 Which one did he go to? 1956 01:50:15.760 --> 01:50:18.439 This is the one on in Longmont and he's been 1957 01:50:18.479 --> 01:50:21.039 dealing with a store manager named Sean. So I just 1958 01:50:21.079 --> 01:50:22.920 came back to look up the phone numbers. I can 1959 01:50:22.960 --> 01:50:25.199 call Sean and see if we can help them get 1960 01:50:25.199 --> 01:50:26.960 this stuff installed or refunded. 1961 01:50:27.199 --> 01:50:30.960 Ken I got a text for fix it twenty four 1962 01:50:30.960 --> 01:50:35.039 to seven. We have Hannah with us. Who's with them? 1963 01:50:35.079 --> 01:50:37.720 And Hannah? Do you guys do and you may not 1964 01:50:37.800 --> 01:50:41.000 know this. I don't know this. Electric water heaters, My god, 1965 01:50:41.079 --> 01:50:42.199 that's a weird question. 1966 01:50:42.800 --> 01:50:43.079 Water. 1967 01:50:43.239 --> 01:50:47.079 Yeah, fine, fantastic electric. Yeah. And I know who to 1968 01:50:47.119 --> 01:50:49.880 call to get the answers. Okay, yeah, get the answer 1969 01:50:50.359 --> 01:50:53.319 they want to know about electric water heaters. And then 1970 01:50:54.039 --> 01:50:58.279 as far as uh, they probably have a solar system 1971 01:50:58.279 --> 01:51:00.880 and want to do electric. That's or some of them 1972 01:51:01.000 --> 01:51:03.520 just don't have gas. But I doubt that three h 1973 01:51:03.640 --> 01:51:07.159 three seven to one three eight two five five is 1974 01:51:07.239 --> 01:51:12.000 the number. And in consumer News, I want to tell 1975 01:51:12.039 --> 01:51:19.840 you this. A lot of experts in the investment industry 1976 01:51:20.439 --> 01:51:26.079 are saying that the US stocks could jump as high 1977 01:51:26.279 --> 01:51:30.640 as seventy four hundred, seven four hundred. Now, that would 1978 01:51:30.640 --> 01:51:33.359 be an incredible level for the S and P five hundred, 1979 01:51:34.239 --> 01:51:36.479 And there's no reason to know exactly how they come 1980 01:51:36.560 --> 01:51:38.159 up with the number. But the bottom line is this 1981 01:51:38.239 --> 01:51:41.439 an SP five hundred is just sort of says it's 1982 01:51:42.039 --> 01:51:46.560 a measurement of these companies. And Wall Street says that 1983 01:51:47.439 --> 01:51:53.119 Trump's the optimism with Trump could see that much in gains. 1984 01:51:54.600 --> 01:52:02.920 So Morgan Stanley says that they're believing that US stocks 1985 01:52:02.960 --> 01:52:08.319 will be for sure up to sixty five hundred, and 1986 01:52:09.840 --> 01:52:16.439 they say that possibly even higher. But here's the bottom line. 1987 01:52:17.600 --> 01:52:22.800 You hear a lot about the stock market, and I 1988 01:52:22.880 --> 01:52:25.960 want you to know that the stock market in and 1989 01:52:26.000 --> 01:52:29.800 of itself, if you took an index fund and did it, 1990 01:52:29.840 --> 01:52:33.520 does not do all that bad. The problem is people 1991 01:52:33.680 --> 01:52:36.880 never do it. They don't just take an S and 1992 01:52:36.920 --> 01:52:41.319 P five hundred stock and take advantage of the compounding 1993 01:52:41.359 --> 01:52:47.079 interest and the regular interest. They normally move it around 1994 01:52:47.279 --> 01:52:51.079 from time to time, and investment counselors do that too 1995 01:52:51.119 --> 01:52:54.359 to show their worth. But what do you think the 1996 01:52:54.520 --> 01:52:58.960 S and P five hundred, What do you think they've 1997 01:52:58.960 --> 01:53:02.079 done year to date so far? What do you think 1998 01:53:02.239 --> 01:53:05.079 if you just kept your money in an indexed fund 1999 01:53:05.239 --> 01:53:10.680 for the year twenty three percent. Now that's pretty damn 2000 01:53:10.720 --> 01:53:15.520 good twenty three percent, And as that composite did twenty 2001 01:53:15.600 --> 01:53:21.800 four point four percent the ten year treasury, you want 2002 01:53:21.880 --> 01:53:28.079 to know fifty eight gold, twenty five percent, oil negative 2003 01:53:29.039 --> 01:53:33.039 five percent. Now, I'm not saying everyone should be in 2004 01:53:33.039 --> 01:53:36.079 the stock market, but where the stock market gets a 2005 01:53:36.159 --> 01:53:42.199 bad rap is when people move around a lot without knowledge. 2006 01:53:42.880 --> 01:53:45.680 Even people with knowledge take hits, right, but then they 2007 01:53:45.720 --> 01:53:50.279 try to recover by doing certain maneuvers. So it's really 2008 01:53:50.319 --> 01:53:56.720 important that you know it. Now. As far as there's 2009 01:53:56.760 --> 01:54:02.640 something called a risk on and a risk off gauge, 2010 01:54:03.520 --> 01:54:07.119 what does that mean. It means when risk is on, 2011 01:54:08.039 --> 01:54:14.399 people are willing to take risk on these investments. And 2012 01:54:14.520 --> 01:54:18.840 the more risk is on, the more healthy people are 2013 01:54:18.920 --> 01:54:27.720 perceiving the market and perceiving investing. So it's kind of good. Now, 2014 01:54:27.760 --> 01:54:30.119 that doesn't mean you want to take unnecessary risk. It 2015 01:54:30.199 --> 01:54:34.560 just means that the gauge for risk is higher, meaning 2016 01:54:34.640 --> 01:54:37.319 people are willing to go higher in the risk gauge 2017 01:54:37.880 --> 01:54:42.199 because the payoff seems to be there. And the only 2018 01:54:42.359 --> 01:54:48.680 thing right now where the risk is off is gold. 2019 01:54:49.600 --> 01:54:54.239 People are not willing to risk buying gold right now. 2020 01:54:55.000 --> 01:55:00.479 They are way willing to risk the stock market, the 2021 01:55:00.560 --> 01:55:04.039 S and P five hundred, the Nasdaq, and especially a 2022 01:55:04.119 --> 01:55:07.760 ten year treasury. So it looks like we're gonna have 2023 01:55:07.840 --> 01:55:10.479 some good days ahead in the stock market. It looks 2024 01:55:10.560 --> 01:55:14.680 like it. Now. Be aware of people who always who 2025 01:55:14.760 --> 01:55:18.720 tell you, oh, you know, the stock market's always good 2026 01:55:18.800 --> 01:55:22.319 or always bad, or annuities are always good or always bad, 2027 01:55:22.720 --> 01:55:24.800 or this is always good, always is bad. I've said 2028 01:55:24.800 --> 01:55:29.640 this before. There is never one investment suitable for everyone, 2029 01:55:30.159 --> 01:55:34.279 and never one investment you should sit in forever. Unless 2030 01:55:34.319 --> 01:55:37.760 you do what's called a fund, and the fund is 2031 01:55:37.800 --> 01:55:41.199 tied to an index that you trust, then you should 2032 01:55:41.279 --> 01:55:44.079 not manipulate it. That's the whole idea of a fund. 2033 01:55:45.279 --> 01:55:45.439 There. 2034 01:55:46.359 --> 01:55:48.439 Yes, did you see what bitcoin has done in the 2035 01:55:48.479 --> 01:55:49.039 past year? 2036 01:55:49.600 --> 01:55:50.640 Yes, last year? 2037 01:55:50.680 --> 01:55:53.319 I think at one point, I think at twenty twenty 2038 01:55:53.319 --> 01:55:57.199 two or sixteen thousand. Now what's up to ninety thousand? No, 2039 01:55:57.279 --> 01:55:58.720 I know that it's unbelievable. 2040 01:55:59.000 --> 01:56:01.239 Yeah, and I know a lot of people who are 2041 01:56:01.279 --> 01:56:03.079 who are who are buying into it, and a lot 2042 01:56:03.079 --> 01:56:07.399 of people aren't. The biggest problem with bitcoin is not 2043 01:56:07.680 --> 01:56:12.039 the bitcoin, but the biggest problem are the cheaters and 2044 01:56:12.119 --> 01:56:15.359 the liars and the ways to get screwed. Absolutely the 2045 01:56:15.359 --> 01:56:18.680 biggest problem. I mean, really, people have seen their digital 2046 01:56:18.720 --> 01:56:21.760 wallets because they were fake to begin with, disappear, or 2047 01:56:21.760 --> 01:56:25.359 they've seen exchanges. Well look, we've heard about people going 2048 01:56:25.399 --> 01:56:28.319 to jail for it. So it's that's the only thing 2049 01:56:28.359 --> 01:56:32.399 if you don't know who you're dealing with. And that 2050 01:56:32.439 --> 01:56:34.239 brings up a good topic. And I just want to 2051 01:56:34.239 --> 01:56:37.239 mention this one time. You know that I'm an investment 2052 01:56:37.279 --> 01:56:40.199 advisor right now, registered and I started the company Wave 2053 01:56:40.199 --> 01:56:44.279 eight Wealth Management, and we're getting into all kinds of 2054 01:56:44.359 --> 01:56:49.479 alternate investments. We have not are exploring bitcoin, have not 2055 01:56:49.520 --> 01:56:51.439 done it yet. I'm just going to tell you straight up. 2056 01:56:51.920 --> 01:56:57.039 But we are of course taking on regular investment portfolios. 2057 01:56:57.920 --> 01:57:02.720 All we do the funds, plus we do speculative investments 2058 01:57:02.760 --> 01:57:06.760 for certain ones. We do bond trading for income. There 2059 01:57:06.800 --> 01:57:10.479 are so many different ways to invest your money and 2060 01:57:10.560 --> 01:57:14.199 stay safe. Now here's the problem. Most of the time 2061 01:57:14.239 --> 01:57:16.119 when you get someone to do your money, they're not 2062 01:57:16.199 --> 01:57:20.359 investing your money. They're not. So I'm gonna tell each 2063 01:57:20.399 --> 01:57:22.640 and every one of you if you have investment accounts 2064 01:57:23.000 --> 01:57:24.880 and you're not doing your I'm not talking about people 2065 01:57:25.039 --> 01:57:27.039 who day trade and do their own thing. Okay, I'm 2066 01:57:27.079 --> 01:57:29.079 not talking about that. But if you have an investment 2067 01:57:29.119 --> 01:57:33.640 account an investment advisor, ask a simple question, am I 2068 01:57:33.760 --> 01:57:40.279 in a TAMP program? Okay? A turnkey asset program, asset 2069 01:57:40.640 --> 01:57:44.840 investment program okay? Or management program TAMP? And if you are, 2070 01:57:45.920 --> 01:57:49.439 then you're paying excessive fees probably and they don't know 2071 01:57:49.520 --> 01:57:52.199 you from adam because they're placing your money with someone else. 2072 01:57:52.399 --> 01:57:54.680 If you want a different way, you can call or 2073 01:57:54.760 --> 01:57:57.520 text three zero three seven seven to one help. That's 2074 01:57:57.560 --> 01:58:00.960 Wave eight Wealth Management, that's my company three oh three 2075 01:58:01.039 --> 01:58:04.359 seven seven one help seven seven one four three five 2076 01:58:04.439 --> 01:58:08.479 seven will even do a free second look at anything 2077 01:58:08.520 --> 01:58:11.039 you have with an honest to god opinion, with no 2078 01:58:11.199 --> 01:58:14.000 bs and no pressure. Three O three seven seven one help. 2079 01:58:19.520 --> 01:58:22.760 Go with a sure thing Denver's best roofer Excel roofing 2080 01:58:22.880 --> 01:58:25.680 dot com. You don't pay a cent until you're contenth 2081 01:58:28.920 --> 01:58:32.079 time for an insurance check up free, no obligation. In comparison, 2082 01:58:32.199 --> 01:58:35.800 call Compass Insurance paying too much your coverage at dozens 2083 01:58:35.800 --> 01:58:38.520 of insurance companies find out now three oh three seven 2084 01:58:38.640 --> 01:58:41.640 seven one help. You'll think you're his only customer when 2085 01:58:41.640 --> 01:58:44.159 you choose Frank durand the real estate man dot com 2086 01:58:44.159 --> 01:58:47.279 to list your home with Remax Alliance three oh three 2087 01:58:47.359 --> 01:58:54.560 nine two zero sixteen twenty two. Hi Tom Martino here 2088 01:58:54.680 --> 01:58:57.239 three all three seven on three talks seven on three 2089 01:58:57.279 --> 01:59:02.760 A two five five Deputy bow I looked up this 2090 01:59:02.840 --> 01:59:08.720 follow up here Ron he had a a Champion entry 2091 01:59:08.840 --> 01:59:15.039 door in screen and you know it was during COVID. 2092 01:59:15.119 --> 01:59:19.239 He had nothing but trouble with the screen door. A 2093 01:59:19.359 --> 01:59:23.199 service techt said it was beyond repair and they've refused 2094 01:59:23.199 --> 01:59:27.600 to do anything about it. Now. The last note I 2095 01:59:27.640 --> 01:59:30.000 have here is that you called repeatedly and did not 2096 01:59:30.039 --> 01:59:31.039 get a return. 2097 01:59:30.800 --> 01:59:35.319 Call right like seven times. And then I even took 2098 01:59:35.399 --> 01:59:38.079 a drive out to their facility out in Aurora. 2099 01:59:39.000 --> 01:59:41.359 What did you find? Well? 2100 01:59:41.439 --> 01:59:43.960 I sat there for twenty minutes asking to talk to 2101 01:59:44.000 --> 01:59:47.840 a manager, and then after about the forty minutes, they 2102 01:59:47.880 --> 01:59:49.600 came out and they said all the managers were in 2103 01:59:49.680 --> 01:59:52.319 the meeting, every damn one of them. 2104 01:59:52.600 --> 01:59:56.880 So we did get We did get it eventually, get 2105 01:59:56.960 --> 01:59:57.479 it solved. 2106 01:59:57.520 --> 02:00:02.680 He had he had this instation that but Tom and listen, 2107 02:00:02.920 --> 02:00:06.800 I did something a little on orthodox. I was getting frustrated. 2108 02:00:07.680 --> 02:00:10.960 This was an eight thousand dollars door. I wrote a 2109 02:00:11.079 --> 02:00:15.479 letter to the Uh the person that does has a 2110 02:00:15.520 --> 02:00:17.720 competitive referral list in town? 2111 02:00:18.600 --> 02:00:21.359 Yes, oh, you mean well, first of all, they're not competitive. 2112 02:00:22.399 --> 02:00:26.279 Second of all, he represents them personally, right. 2113 02:00:26.159 --> 02:00:28.079 He does represent them. I slept and. 2114 02:00:28.199 --> 02:00:29.680 I told you he's a good guy. 2115 02:00:29.760 --> 02:00:30.399 You got to him. 2116 02:00:30.399 --> 02:00:31.239 He wouldn't like it. 2117 02:00:31.520 --> 02:00:36.680 Okay, Well something happened with that letter because Ron, the caller, 2118 02:00:37.199 --> 02:00:41.920 said that they received this letter from the corporate headquarters 2119 02:00:41.920 --> 02:00:45.920 in Cincinnati, Ohio, and they put the foot to the 2120 02:00:46.479 --> 02:00:46.880 to the. 2121 02:00:46.800 --> 02:00:48.760 Pedal and got someone out there last. 2122 02:00:48.520 --> 02:00:51.399 Week and finished up and got the eight thousand dollars 2123 02:00:51.399 --> 02:00:52.159 repair for Ron. 2124 02:00:52.199 --> 02:00:53.399 And he's extremely happy. 2125 02:00:53.840 --> 02:00:56.399 But this, oh man, that is great news. 2126 02:00:56.600 --> 02:00:59.720 So it is done. But it took a lot of 2127 02:00:59.760 --> 02:01:02.000 where to get a champion off there. 2128 02:01:02.039 --> 02:01:04.880 But that wasn't unorthodox. I mean there are people that 2129 02:01:05.319 --> 02:01:07.399 look it, if you're going to stand up for a company, 2130 02:01:07.640 --> 02:01:09.880 you can take the heat. I mean, there's nothing wrong 2131 02:01:09.920 --> 02:01:12.399 with that, especially when they're good people. 2132 02:01:12.520 --> 02:01:12.720 You know. 2133 02:01:12.960 --> 02:01:15.600 And uh, look, I don't mean Champion. I don't think 2134 02:01:15.680 --> 02:01:18.279 Champion are good people. I think Champion is a big giant. 2135 02:01:18.520 --> 02:01:19.840 They would in Equity Group. 2136 02:01:20.039 --> 02:01:22.399 If it wasn't for the Troubleshooter show, this guy would 2137 02:01:22.399 --> 02:01:23.640 have still been hanging out here. 2138 02:01:24.239 --> 02:01:28.159 And and kudos to Dave for if he is forwarded 2139 02:01:28.199 --> 02:01:30.880 that letter to the right people. Kudos to him. Man, 2140 02:01:30.920 --> 02:01:31.399 that's great. 2141 02:01:31.479 --> 02:01:34.960 Dave's organization stepped up and forward to my letter to 2142 02:01:35.000 --> 02:01:36.119 the corporate office. 2143 02:01:36.159 --> 02:01:40.000 So good, excellent. That's what counts man. You know, just 2144 02:01:40.039 --> 02:01:44.079 helping people the goal so bo, that's wonderful. Anything else 2145 02:01:44.119 --> 02:01:44.800 you're working on. 2146 02:01:45.479 --> 02:01:49.399 Uh, just uh the Dmitri and I are doing the 2147 02:01:50.039 --> 02:01:51.039 Garcia case. 2148 02:01:51.640 --> 02:01:53.399 Now, the Garcia case. 2149 02:01:53.399 --> 02:01:55.319 We've been here, Tom, Wait, wait, wait, you're not gonna 2150 02:01:55.600 --> 02:01:57.880 show Dippy bow your dinger here for that one? 2151 02:01:58.239 --> 02:02:00.479 Oh my god, to Dark. 2152 02:02:00.600 --> 02:02:02.800 It's Dark's birthday last week. It's got to be a 2153 02:02:02.880 --> 02:02:05.119 major there. 2154 02:02:04.920 --> 02:02:08.640 We go there and I'll give you the big one. 2155 02:02:10.920 --> 02:02:11.279 All right? 2156 02:02:11.600 --> 02:02:15.800 Hey, Tom, Yes, do you think there's anything wrong if 2157 02:02:15.800 --> 02:02:19.479 you have a thousand or two thousand dollars of discretionary money, 2158 02:02:19.920 --> 02:02:22.279 that's not going to change your life to just put 2159 02:02:22.319 --> 02:02:23.000 into bitcoin. 2160 02:02:24.520 --> 02:02:26.880 Oh, if you have a thousand, of course, of course. 2161 02:02:26.960 --> 02:02:31.680 I mean, well right now, though, I see you see 2162 02:02:31.720 --> 02:02:34.359 this is what a lot of investors do. They buy 2163 02:02:34.520 --> 02:02:38.079 at the very highest or there's nothing wrong with it 2164 02:02:38.119 --> 02:02:40.199 might go higher. But I mean, look at the ride 2165 02:02:40.239 --> 02:02:44.439 you missed. I mean if I would personally prefer to 2166 02:02:44.840 --> 02:02:47.920 wait for a correction, but hey, it may not come, 2167 02:02:48.159 --> 02:02:50.479 and then there these might go Okay, let's say they 2168 02:02:50.479 --> 02:02:52.600 go up to one hundred and fifty thousand. And now 2169 02:02:52.680 --> 02:02:55.479 somebody said, Tom, you said at ninety, do not do it. 2170 02:02:55.560 --> 02:02:57.359 You know, I'm not saying not to do it. I'm 2171 02:02:57.399 --> 02:03:00.399 just saying, look, there are certain rides up in down, 2172 02:03:00.439 --> 02:03:03.399 and we don't have enough data on bitcoin. That's the 2173 02:03:03.439 --> 02:03:08.479 problem you see with the With the technology that I'm using, 2174 02:03:08.760 --> 02:03:13.399 that I use, we have tracked about two thousand right now. 2175 02:03:13.439 --> 02:03:15.880 We're up to about twenty five hundred trades a day 2176 02:03:16.680 --> 02:03:20.640 or more depends for the last six years, which we 2177 02:03:20.760 --> 02:03:24.039 get data, okay, and then we can spot trends and 2178 02:03:24.239 --> 02:03:27.199 if something's going to go farther or sink lower, and 2179 02:03:27.239 --> 02:03:29.359 then we bet on those. We don't bet. We invest 2180 02:03:29.399 --> 02:03:32.399 on those high and low. But with bitcoin, there's not 2181 02:03:32.640 --> 02:03:36.359 enough history for that of the fluctuation. It's hard to say. 2182 02:03:36.840 --> 02:03:40.039 And one thing that I don't try to do, I 2183 02:03:40.079 --> 02:03:44.840 don't speculate. With our company, we don't really speculate. That's 2184 02:03:44.880 --> 02:03:46.560 not what we're doing. If you want a day trade, 2185 02:03:46.600 --> 02:03:48.720 you got to do that with yourself. You got to 2186 02:03:48.800 --> 02:03:51.560 just do that. So am I saying? I say that 2187 02:03:51.640 --> 02:03:54.920 if you want to play, play, you know? I mean, look, 2188 02:03:54.960 --> 02:03:57.800 people go to Blackhawk and play and Central City do 2189 02:03:57.840 --> 02:04:01.159 whatever you want. But it's impossible to say right now 2190 02:04:01.680 --> 02:04:04.760 if that ride is already too far gone to ride 2191 02:04:04.760 --> 02:04:08.159 it up more. I mean again, it might though, see, 2192 02:04:08.479 --> 02:04:11.000 so I don't. The truth is, I don't have an 2193 02:04:11.039 --> 02:04:14.399 answer for that, and I don't pretend to. What about you, doc? 2194 02:04:14.640 --> 02:04:17.520 Are you inclined to get involved at ninety thousand dollars? 2195 02:04:19.359 --> 02:04:22.439 You know, putting a thousand or two thousand just what you're. 2196 02:04:22.359 --> 02:04:24.600 Saying partially, But what I'm saying is, though, are you 2197 02:04:24.680 --> 02:04:26.960 inclined to do that now? Where it is at the 2198 02:04:27.039 --> 02:04:29.159 level it's at, Well, I don't know. 2199 02:04:29.239 --> 02:04:30.119 I have to look at it. 2200 02:04:30.159 --> 02:04:32.439 I'm just saying that, you know, for a thousand, two 2201 02:04:32.479 --> 02:04:36.159 thousand dollars just to play with it's it's it's just 2202 02:04:36.199 --> 02:04:39.800 like you say, it's discretionary. If I lost it, it 2203 02:04:39.800 --> 02:04:42.800 wouldn't change my life. And if it tripled, I could 2204 02:04:42.960 --> 02:04:44.359 I could buy another gun with it. 2205 02:04:44.760 --> 02:04:47.800 I was sure, sure, sure, you know again that it's 2206 02:04:47.800 --> 02:04:50.920 whatever people want. And again, like I said, peeps, we 2207 02:04:51.159 --> 02:04:55.279 are in it for real sane investment advice where my 2208 02:04:55.359 --> 02:04:59.640 money is one hundred percent one hundred percent along with yours. 2209 02:04:59.640 --> 02:05:02.920 So I'm I'm not a day trader, never never claimed 2210 02:05:02.920 --> 02:05:05.479 to be. What we get great great results three O 2211 02:05:05.600 --> 02:05:06.720 three seven to seven to one. 2212 02:05:06.760 --> 02:05:07.000 Help. 2213 02:05:07.039 --> 02:05:09.000 By the way, if you want that free help or 2214 02:05:09.079 --> 02:05:11.960 the you wanna text me or write to me, you 2215 02:05:12.000 --> 02:05:17.039 can also do Tom at Wave Eightcapital dot com. We 2216 02:05:17.119 --> 02:05:25.680 have more coming up. Go with a sure thing Denver's 2217 02:05:25.720 --> 02:05:28.600 best roofer Excel Roofing dot com. You don't pay a 2218 02:05:28.680 --> 02:05:35.199 cent until you're content. Time for an insurance check up free, 2219 02:05:35.279 --> 02:05:39.319 no obligation comparison call Compass Insurance paying too much your 2220 02:05:39.319 --> 02:05:42.279 coverage at dozens of insurance companies find out now three 2221 02:05:42.359 --> 02:05:44.880 all three seven seven to one help. You'll think you're 2222 02:05:44.880 --> 02:05:47.399 his only customer when you choose Frank durand the Real 2223 02:05:47.520 --> 02:05:50.520 estate Man dot com to list your home with Remax 2224 02:05:50.560 --> 02:05:53.600 Alliance three all three nine two zero sixteen twenty two. 2225 02:05:55.479 --> 02:05:59.479 Hi Tom Martino three all three seven on three talks 2226 02:05:59.479 --> 02:06:03.000 seven one three two five five You know what's really 2227 02:06:03.079 --> 02:06:08.359 funny about this whole craze with with a bitcoin or anything. 2228 02:06:09.359 --> 02:06:14.479 Is that people? This is just common sense. Okay, but 2229 02:06:15.359 --> 02:06:18.760 throughout my years. I'm only seventy one, I say only. 2230 02:06:18.920 --> 02:06:22.119 I mean, it's not like I'm ninety, but I'm old. Okay, 2231 02:06:22.319 --> 02:06:25.600 so seventy one years old. What I learned was you 2232 02:06:25.680 --> 02:06:29.199 got two things, two ways to build your wealth. You 2233 02:06:29.399 --> 02:06:36.720 have cash flow and you have equity. Equity is growth 2234 02:06:36.920 --> 02:06:43.319 in something. Cash Flow is when you bring money in. Okay, 2235 02:06:43.560 --> 02:06:51.399 so revenue in or equity up. But neither listen carefully, 2236 02:06:52.079 --> 02:06:56.680 Neither of them make you rich, neither of them without 2237 02:06:56.960 --> 02:07:01.640 True wealth is made on the convey version of those 2238 02:07:02.359 --> 02:07:07.880 and knowing when to convert them. Here's what I mean. 2239 02:07:08.560 --> 02:07:12.239 If you're making good money, and you keep making good money, 2240 02:07:13.039 --> 02:07:15.520 you will have good money. But what do you do. 2241 02:07:16.600 --> 02:07:19.800 You put it in the bank and you accumulate, but 2242 02:07:19.880 --> 02:07:24.239 you do not grow. So what you need to do 2243 02:07:24.399 --> 02:07:28.159 is learn how much and when to take the cash 2244 02:07:28.199 --> 02:07:34.600 flow and convert it to equity, which grows. Then when 2245 02:07:34.640 --> 02:07:39.439 the equity grows in the equity markets or investments, then 2246 02:07:39.560 --> 02:07:44.199 you have to convert back to cash flow. Without conversion, 2247 02:07:44.239 --> 02:07:47.199 you have no wealth. In other words, you can have 2248 02:07:47.640 --> 02:07:51.279 ten million dollars worth of art that you paid a 2249 02:07:51.319 --> 02:07:56.399 million dollars for, you have no wealth. It's on paper, 2250 02:07:56.439 --> 02:08:02.199 but you can't do anything with it unless you convert it. Now, 2251 02:08:02.359 --> 02:08:04.680 what you can do if you had stock or stuff 2252 02:08:04.680 --> 02:08:07.439 like that, you can borrow against it. Most of these 2253 02:08:07.880 --> 02:08:10.840 billionaires don't have billions of dollars in the bank. They 2254 02:08:10.880 --> 02:08:14.399 have billions of dollars of net worth because their stock 2255 02:08:15.000 --> 02:08:19.840 that they've in their own company has grown. But they 2256 02:08:19.880 --> 02:08:25.439 either pledge that stock to get cash, and that converts 2257 02:08:25.640 --> 02:08:28.479 to cash flow, but in a weird way because they're 2258 02:08:28.479 --> 02:08:32.159 pledging their stock, so if their stock goes up further, 2259 02:08:32.239 --> 02:08:34.560 it cancels out the debt. If it doesn't, they owe it. 2260 02:08:35.319 --> 02:08:39.960 But in any case, that's still conversion. Everyone needs conversion 2261 02:08:40.039 --> 02:08:44.600 one way or the other. The mistake most people make, 2262 02:08:46.399 --> 02:08:49.159 and even a lot of people with the bitcoin is 2263 02:08:49.560 --> 02:08:54.279 when it starts going up, they don't get out when 2264 02:08:54.560 --> 02:08:58.479 they've made a healthy profit. They don't reap it and 2265 02:08:58.520 --> 02:09:02.199 then get back in some other investment. But they stay 2266 02:09:02.239 --> 02:09:05.279 in it and stay in it and stay in it, 2267 02:09:06.319 --> 02:09:08.359 and then when it starts going down, that's when they 2268 02:09:08.399 --> 02:09:13.239 sell a lot of people buy at the peak because 2269 02:09:13.279 --> 02:09:15.760 they get the fever and then sell out of fear 2270 02:09:15.800 --> 02:09:18.760 when it goes down. Do you know in Vegas when 2271 02:09:18.800 --> 02:09:21.119 people stop gambling is when they go broke, not when 2272 02:09:21.159 --> 02:09:23.800 they win. They never stop when they win. They should, 2273 02:09:23.800 --> 02:09:27.039 but they never do. They only stop when they're losing. 2274 02:09:28.119 --> 02:09:32.560 That's the most incredible thing about conversion to wealth is 2275 02:09:32.720 --> 02:09:36.119 people have cash flow and sometimes they should just keep 2276 02:09:36.159 --> 02:09:38.520 that cash and do nothing with it. At other times 2277 02:09:38.600 --> 02:09:41.720 they should convert it to equity. But when that equity grows, 2278 02:09:41.800 --> 02:09:45.079 they get they become like what do they call it, 2279 02:09:45.159 --> 02:09:49.159 Pigs get fat, hogs get slaughtered, something like that, because 2280 02:09:49.239 --> 02:09:54.239 they never ever go back out to cash. Going back 2281 02:09:54.279 --> 02:09:56.159 and forth is the secret. Now, if you have a 2282 02:09:56.199 --> 02:10:00.199 good portfolio that grows steadily, that's good. But it's some 2283 02:10:00.359 --> 02:10:04.720 point conversion is necessary for true wealth. It is. It 2284 02:10:04.920 --> 02:10:08.399 absolutely is. If you look at the principle, you can 2285 02:10:08.479 --> 02:10:12.359 have no money without converting that equity, and you can 2286 02:10:12.399 --> 02:10:15.720 have no equity without buying it with cash flow. So 2287 02:10:16.039 --> 02:10:20.039 that's just a very simple principle, isn't it. And that's 2288 02:10:20.079 --> 02:10:25.960 where people get into trouble. They start romantically loving their investment. 2289 02:10:27.279 --> 02:10:30.640 So I'll venture to say that people who got into 2290 02:10:31.720 --> 02:10:35.159 bitcoin at forty or fifty and sweated it out when 2291 02:10:35.159 --> 02:10:38.720 it went down. Some of them probably sold, will not 2292 02:10:38.840 --> 02:10:41.479 get out now when they can make a hefty profit 2293 02:10:42.880 --> 02:10:46.640 where they can make forty grand per coin, they probably 2294 02:10:46.680 --> 02:10:49.119 won't get out and go to something else. At this 2295 02:10:49.199 --> 02:10:53.760 point three h three seven one three talk seven one 2296 02:10:53.800 --> 02:10:56.960 three eight two five five. Let's go to uh Hannah 2297 02:10:57.159 --> 02:11:00.439 at fix it twenty four to seven. Hannah, let's talk 2298 02:11:00.479 --> 02:11:02.760 about before the break here. I want to talk about 2299 02:11:02.760 --> 02:11:05.520 the extreme clean one more time because this is this 2300 02:11:05.600 --> 02:11:08.640 is gonna definitely go away as the weather gets worse. 2301 02:11:08.680 --> 02:11:10.920 I mean, I know they can't do it. So thirty 2302 02:11:11.000 --> 02:11:13.760 nine bucks. First of all, the thirty nine dollars is 2303 02:11:13.920 --> 02:11:16.880 really a loss. It's a loss leader because they spend 2304 02:11:16.920 --> 02:11:19.239 two hours or more if you look at it the 2305 02:11:19.279 --> 02:11:21.119 short term, if you look at it mission No, No, they 2306 02:11:21.119 --> 02:11:23.359 want they want to put their sticker on there. They 2307 02:11:23.439 --> 02:11:25.920 also want you to see. They want you to see 2308 02:11:25.960 --> 02:11:28.399 how wonderful they are. Yeah, and you will become a 2309 02:11:28.439 --> 02:11:31.159 customer once you see it. That's what we're betting on, 2310 02:11:31.199 --> 02:11:32.199 and that's what's worked so far. 2311 02:11:32.279 --> 02:11:34.720 So yeah, you're right, Tom Right now, it recruits people 2312 02:11:34.920 --> 02:11:37.239 it's the last leg right now to get in for 2313 02:11:37.319 --> 02:11:39.920 this maintenance. You want to do that before winter hits. Yeah, 2314 02:11:39.960 --> 02:11:43.119 we have that round winter and that snow come in. Yeah, 2315 02:11:43.680 --> 02:11:47.399 phones are ringing off the hook. Now we're able to 2316 02:11:47.399 --> 02:11:49.520 get back to those mountains, says, This is when you 2317 02:11:49.560 --> 02:11:52.000 want to do it to prevent those breakdowns. 2318 02:11:52.000 --> 02:11:54.119 And then yes, right, because the breakdown a long time. 2319 02:11:54.159 --> 02:11:56.439 The breakdowns when they call and they've already missed the 2320 02:11:56.479 --> 02:11:59.880 opportunity and they're gonna write a big check most likely 2321 02:12:00.079 --> 02:12:00.319 it is. 2322 02:12:00.560 --> 02:12:00.800 Yeah. 2323 02:12:01.079 --> 02:12:04.239 So anyway, here's the deal if you want to take 2324 02:12:04.279 --> 02:12:06.880 advantage of it, is thirty nine bucks right now for 2325 02:12:07.359 --> 02:12:09.880 uh the extreme clean to see the extreme difference of 2326 02:12:09.920 --> 02:12:11.960 fix at twenty four to seven. Now you can book 2327 02:12:12.000 --> 02:12:14.399 it right online, right, can you book fix my home 2328 02:12:14.479 --> 02:12:17.159 dot com at book now, book now, that's my home 2329 02:12:17.199 --> 02:12:19.000 dot com book now. We got more coming right up. 2330 02:12:19.119 --> 02:12:22.319 Go with a sure thing Denver's Best roofer Excel roofing 2331 02:12:22.439 --> 02:12:27.600 dot com. You don't pay a cent until you're contenth 2332 02:12:28.439 --> 02:12:31.640 time for an insurance checkup free, no obligation. In comparison, 2333 02:12:31.760 --> 02:12:35.319 call compass insurance paying too much your coverage at dozens 2334 02:12:35.319 --> 02:12:38.079 of insurance companies find out now three all three seven 2335 02:12:38.159 --> 02:12:41.000 seven to one. Help you'll think you're his only customer 2336 02:12:41.000 --> 02:12:43.279 when you choose Frank durand the real estate man dot 2337 02:12:43.279 --> 02:12:46.600 com to list your home with Remax Alliance three all 2338 02:12:46.640 --> 02:12:52.079 three nine two zero sixteen twenty two. Hi Tom Martino, 2339 02:12:53.000 --> 02:12:57.439 your troubleshooter three O three seven one three talk three 2340 02:12:57.479 --> 02:13:01.600 oh three seven one three eight two five five. Okay, 2341 02:13:01.880 --> 02:13:05.439 So let me go to the let me go to 2342 02:13:05.520 --> 02:13:09.880 the texts and see what we have going for us, 2343 02:13:10.079 --> 02:13:13.520 and then YouTube morons feel free to feel free to 2344 02:13:13.640 --> 02:13:16.720 chime in with anything you want. Okay, who do you? 2345 02:13:17.239 --> 02:13:19.000 Here's what I want to ask you. Somebody wants to 2346 02:13:19.000 --> 02:13:25.039 know this. Who should keep the engagement ring? When an 2347 02:13:25.079 --> 02:13:33.960 engagement is broken off? Rings now are averaging averaging twenty grand. 2348 02:13:34.600 --> 02:13:37.399 It's been decided well. 2349 02:13:37.439 --> 02:13:40.239 In some cases. So what do you think, Kelly. 2350 02:13:41.399 --> 02:13:46.680 The gentleman who proposes and buys the ring should retain 2351 02:13:46.720 --> 02:13:47.079 the ring. 2352 02:13:47.199 --> 02:13:50.680 No, whoever did not break it off should get to 2353 02:13:50.760 --> 02:13:51.119 keep it. 2354 02:13:51.319 --> 02:13:55.600 Okay, the court a recent court ruling, Now, Kelly, it's 2355 02:13:55.640 --> 02:14:01.199 been actually gone both ways. Okay. But a recent court 2356 02:14:01.279 --> 02:14:08.239 ruling in Massachusetts said that with a seventy thousand dollars ring, 2357 02:14:08.439 --> 02:14:11.079 it goes back to the person who purchased it since 2358 02:14:11.119 --> 02:14:16.319 it was conditional. Now listen to this. There was a 2359 02:14:16.479 --> 02:14:21.199 six for six sixty years. There was a state rule 2360 02:14:22.239 --> 02:14:28.000 in Massachusetts and they had to identify what dragon said 2361 02:14:28.399 --> 02:14:34.079 the blame for the end of the relationship. And many 2362 02:14:34.199 --> 02:14:39.920 courts still do that. So many courts say, if he 2363 02:14:40.119 --> 02:14:43.159 gave you a fifty thousand dollars ring and then he 2364 02:14:43.880 --> 02:14:52.119 cheated on you, he breached the contract. Technically speaking, he 2365 02:14:52.279 --> 02:14:54.000 breached the contract. 2366 02:14:54.079 --> 02:14:55.760 Yeah, but why would you want to keep the ring 2367 02:14:56.039 --> 02:14:56.399 in all of. 2368 02:14:57.279 --> 02:15:01.479 It's fifty grands? It doesn't matter, Okay, Kelly. If a 2369 02:15:01.520 --> 02:15:04.000 guy gave you a fifty thousand dollars ring and said 2370 02:15:04.039 --> 02:15:06.239 I love you, Kelly, marry me, and then you saw 2371 02:15:06.319 --> 02:15:09.720 him cheating on you, and then or he was cheating 2372 02:15:09.720 --> 02:15:12.520 on you or something, and you decided, well, we can't 2373 02:15:12.520 --> 02:15:15.640 get married if you're cheating on me. Okay, he kind 2374 02:15:15.640 --> 02:15:20.279 of breached his promise, and then you wouldn't want the 2375 02:15:20.319 --> 02:15:23.760 fifty thousand dollars ring as an engagement ring. But certainly, 2376 02:15:24.439 --> 02:15:26.439 why would you have to be penalized and give. 2377 02:15:26.279 --> 02:15:29.199 It back to him because he bought it and I 2378 02:15:29.239 --> 02:15:31.039 wouldn't want it as a suit. 2379 02:15:31.119 --> 02:15:34.520 Okay, Well, then that's the way you feel. Okay. Some people, though, 2380 02:15:34.800 --> 02:15:37.279 some people have gone to court and have kept the 2381 02:15:37.319 --> 02:15:40.720 property because they did not breach it. Their theory was, 2382 02:15:41.039 --> 02:15:45.000 you breached, I shouldn't be penalized there. For example, you 2383 02:15:45.039 --> 02:15:48.640 give me money down and then you say and you 2384 02:15:48.760 --> 02:15:52.439 sign an ironclad contract to have something done, and then 2385 02:15:52.560 --> 02:15:57.800 you screw it up. Okay, who's the breaching party should 2386 02:15:57.880 --> 02:15:59.039 pay at least costs? 2387 02:15:59.159 --> 02:15:59.319 Right? 2388 02:16:00.359 --> 02:16:04.079 Okay, So what is the cost? Like I'm talking about 2389 02:16:04.119 --> 02:16:07.359 on a contract. Wise, if the contractor put money in, 2390 02:16:07.560 --> 02:16:10.560 there's there are liquid data damages. But in a case 2391 02:16:10.720 --> 02:16:15.880 like this, courts have often ruled that people get to 2392 02:16:16.319 --> 02:16:21.800 keep it if they did not breach. Now, however, if, 2393 02:16:21.880 --> 02:16:24.479 for example, if a guide the same thing, he gives 2394 02:16:24.479 --> 02:16:27.319 a fifty thousand dollars ring to you and you cheat, well, 2395 02:16:27.359 --> 02:16:29.199 then you breach. He should get it back. But the 2396 02:16:29.319 --> 02:16:32.520 courts say, now no matter what. Well, this one court 2397 02:16:32.520 --> 02:16:36.360 in Massachusetts, which could become a precedent, says no, no, no. 2398 02:16:37.479 --> 02:16:39.959 If if if you bought it, you get it back, 2399 02:16:40.040 --> 02:16:44.319 the relationship has ended. So that is a big major change. 2400 02:16:44.399 --> 02:16:47.799 Right now, I'm Tom Martine. We're out of time, right, Okay, 2401 02:16:47.840 --> 02:16:50.360 I want to remind you three oh three Martino, three 2402 02:16:50.360 --> 02:16:53.399 oh three, six, two seven, eight, four sixty six, Save 2403 02:16:53.479 --> 02:16:54.879 all your problems for me.