Speaker 1: Yea ripped. You need advice, so you don't have to.
Speaker 2: Welcome running just as fast as you can.
Speaker 3: Shooter's gonna help.
Speaker 4: Come Dix is the Troubleshooter Show. Now, Tom Martino.
Speaker 5: Hello, Tom Martino here, Welcome to the show. Three zero
Speaker 5: three seven one three talk three oh three seven one
Speaker 5: three eight two five five. As always, we're here to
Speaker 5: help you, solve your problems, answer your questions. Take Can
Speaker 5: I just make your life just a little easier. We
Speaker 5: do have a markup on cam, but his audio not yet.
Speaker 5: We will get that done soon. Uh he's uh, he's
Speaker 5: but he will be joining us. And welcome to everyone.
Speaker 5: I have some guests today. I have Deputy D's always here.
Speaker 5: Now I don't mean that in a bad way. Uh,
Speaker 5: you know, like a bad penny. Is that what they say?
Speaker 5: Bad penny? Anyway, Deputy D's here. And then I have
Speaker 5: a guest Hannah Hannah Davis from UH from Fix at
Speaker 5: twenty four to seven. Hello, all of you. Hello, Deputy
Speaker 5: Doc in the studio. What's going on? You're doing? Good? Doc? Anyway,
Speaker 5: we are really ready to help. Okay, good and uh
Speaker 5: bo oh Bo's there too, Hey Bo, thank you very
Speaker 5: much for being here. I put up those smoke I
Speaker 5: put up those smoke detectors. You got me?
Speaker 6: Did they fit?
Speaker 5: They fit perfectly.
Speaker 1: I knew they would.
Speaker 5: You see, Bo was in the biz for a long time,
Speaker 5: a supplier and a contractor for HVAC. And you know,
Speaker 5: I want to talk about in general, business in general
Speaker 5: and some of the challenges that I think they have.
Speaker 5: Have consumers changed a lot? Do you think I'm going
Speaker 5: to take calls, but I want to ask very quickly, Hannah,
Speaker 5: have consumers changed a ton as far as expectations.
Speaker 7: You know what I think it is is consumers more
Speaker 7: than anything, or relying on each other. So when they
Speaker 7: hear other people that have used a company, that's what
Speaker 7: they're looking at.
Speaker 5: They're looking at. They rely a lot on. They rely
Speaker 5: a lot on personal references, don't they. Yes, they really have.
Speaker 5: And you see that in the online space.
Speaker 7: You look at those reviews and if there's just a
Speaker 7: point one more star, that's where people are going.
Speaker 5: The littlest change that can impact anything. One of the
Speaker 5: biggest problems is inconsistency. I'll tell you that will kill
Speaker 5: a business. So if you're in business, Peep or you're
Speaker 5: an entrepreneur, I'm going to tell you something. Inconsistency will
Speaker 5: hurt you, even if listen carefully. The incancy is one
Speaker 5: toward a positive trend. Now you just wait for that
Speaker 5: inconsistency and we'll talk about it. I'm serious, now, you
Speaker 5: as you know, when I talk, I swear to you
Speaker 5: I don't give my personal well I do give my
Speaker 5: personal opinion, but I'll let you know it's personal. This
Speaker 5: one is fact based on more than three hundred now
Speaker 5: probably more than four hundred thousand conversations directly with consumers.
Speaker 5: I've always said this before. No one has talked to
Speaker 5: more consumers than me. Ever, no one, not one consultant,
Speaker 5: no one ever has done it directly. Okay, so let's
Speaker 5: go to the phones and then I'm going to talk
Speaker 5: about inconsistency. And you'll be shocked at what I mean
Speaker 5: by excellence can hurt you. I'm intrigued that seriously. Now, Carl,
Speaker 5: you have an issue with dental Carl, are you the
Speaker 5: one that sent pictures of your implants your X rays? Yeah? Letter,
Speaker 5: Oh but you didn't you attach X rays? Doc?
Speaker 8: I did?
Speaker 5: Oh? Oh my god. Now I'm no dentist, but holy
Speaker 5: crap oli, was that shocking when I looked at these home. Man,
Speaker 5: these pictures I might bring actually, I might bring them up.
Speaker 5: I might bring this up. I'm going to download it
Speaker 5: and see if I can. But yeah, I might do that.
Speaker 5: But bottom line, god, it looked like it looked like
Speaker 5: a kid playing legos. I mean, so now, I don't
Speaker 5: know if implants what they're supposed to look like, to
Speaker 5: be honest with you, but they look crooked and slanted
Speaker 5: and crazy. So here's what I want to know. Where
Speaker 5: are we with this deputy doc?
Speaker 6: Okay, here, here's what it was.
Speaker 9: Carl was going to call two attorneys that I gave
Speaker 9: them the names of to see if they would take
Speaker 9: his case. I was waiting to hear from him to
Speaker 9: see if they were going to take his case.
Speaker 5: I think they will. Well, I don't think they will die.
Speaker 5: It's very I'll tell you why they're not going to well.
Speaker 9: He anyway, he was going to call them last week.
Speaker 9: I just got today a detailed letter of all of
Speaker 9: his experiences with them, and he was supposed to call
Speaker 9: me after he spoke to these.
Speaker 5: I'll tell you why he's not going to get malpractice here,
Speaker 5: very easy. There's no damages to that they can there's
Speaker 5: the damages aren't big enough?
Speaker 9: Okay, Well, I just got a detailed description of all
Speaker 9: the ups and downs of what he went through, which
Speaker 9: I will review and get back to him.
Speaker 5: Now I'm going to put this picture up right now
Speaker 5: for those streaming. You know, it's on YouTube trouble Shooter Network.
Speaker 5: But these are his implants and there's one two three
Speaker 5: four five on the top, one two three four five
Speaker 5: six on the bottom, and they look weird. But for
Speaker 5: all I know, I don't know. Maybe maybe that's the
Speaker 5: way if anyone is a professional there can look at
Speaker 5: those and let us know. But here's the thing. He
Speaker 5: has had other dentists say it looks like malpractice. Is
Speaker 5: that correct?
Speaker 10: Yes?
Speaker 11: It is?
Speaker 5: Now did you talk because but would any of them
Speaker 5: go on the record. If you can't get no one
Speaker 5: to go on the record, If you can't get someone
Speaker 5: to go on the record to say it's malpractice, then
Speaker 5: you have a problem. You'll never be able to bring
Speaker 5: a suit. But I think even if you get someone
Speaker 5: to say it's malpractice, Carl, how old did you say
Speaker 5: you were?
Speaker 11: My birthday will be the twenty seven to that that
Speaker 11: means nothing to me.
Speaker 5: All of you thirty four seventy five. Okay, man, Okay, listen, listen.
Speaker 5: I think here's the Here's god. How do I put this?
Speaker 5: There's not a lot of losses. They can sink their
Speaker 5: teeth upun sink their teeth.
Speaker 11: Into you have look at Can I say something?
Speaker 5: Well, just wait one second. The temporary place you paid
Speaker 5: eighteen grand? All right? Did you pay eighteen Yeah?
Speaker 11: I still have Yeah, I paid eighteen I still have
Speaker 11: the ten permanent yet and it's been well, like the
Speaker 11: letter says, it's been.
Speaker 6: Only a year.
Speaker 5: So go ahead, go ahead with your laws. See, Carl,
Speaker 5: you can never afford yourself to bring a maut practice
Speaker 5: suit because now I'm serious when I tell you it's
Speaker 5: a minimum of one hundred thousand dollars to get to
Speaker 5: the courtroom door a minimum, okay. And for anyone to
Speaker 5: invest for an attorney to take this onto contingency they
Speaker 5: would want, they would have to invest about one hundred grand.
Speaker 5: Maybe not because of their own time, but it would
Speaker 5: be one hundred grand with their time. But it would
Speaker 5: be like professional witnesses, depositions, et cetera, et cetera. They
Speaker 5: have to pay their snographers, they have to pay their
Speaker 5: the professional witnesses. They have to put up a war chest.
Speaker 5: So for that one hundred grand, they get a third
Speaker 5: of what they collect. So let's say they collect three
Speaker 5: hundred grand, They've made nothing on this case zero In fact,
Speaker 5: that they're going to lose money because once it goes
Speaker 5: to court, that it's more than one hundred grand. So
Speaker 5: what I'm getting at, Carl, and I'm talking to everyone
Speaker 5: with malpractice, I would say one in five hundred malpractice
Speaker 5: claims are worth bringing to court. Now, what did you
Speaker 5: want to see?
Speaker 12: Tom?
Speaker 11: Is what I wanted to say is the pain I
Speaker 11: have in the upper I don't think of going to
Speaker 11: a bone specialist and let him see how many implants
Speaker 11: is in there and if he can figure out I
Speaker 11: had one.
Speaker 5: Okays, they hit a nerd. They hit a nerd, Carl?
Speaker 11: Is why I have that pain?
Speaker 5: Carl? Carl, Okay, Okay, I understand that. Do you know
Speaker 5: the concept of losses and damages? I'm not unsympathetic with
Speaker 5: your pain. It's terrible. Everything, all of this is terrible.
Speaker 5: But what would a jury award you after putting in
Speaker 5: one hundred to get to the courtroom in one hundred
Speaker 5: and fifty with a trial or more. What would you
Speaker 5: be granted at seventy four years old. I'm not saying
Speaker 5: it's not worth anything, but what do you think they'd
Speaker 5: give you a million dollars? I don't know, I don't know,
Speaker 5: I don't you know.
Speaker 11: Tom My pain objective.
Speaker 10: Is to get away from the pain and get it
Speaker 10: straightened out.
Speaker 5: I am so with you. I know Carl's saying, I'm
Speaker 5: not looking for a payday. I just want to be
Speaker 5: out of pain. So what do these a holes say
Speaker 5: to you at the dental place? Do they have a
Speaker 5: plan to get you out of pain? No?
Speaker 11: Every time I talk to them, they walk, they talk around,
Speaker 11: and I ask him about the pain, and they say
Speaker 11: that'll go away. And I said, you know what's ben?
Speaker 5: Are you talking about Colorado Surgical? Are you talking about
Speaker 5: Colorado Surgical Institution? So, Doc, really all you did was
Speaker 5: have him call an attorney. Is at the bottom line?
Speaker 6: I said, call the attorney.
Speaker 5: Well, of course, okay, then what did you call Colorado?
Speaker 5: Did you call the place?
Speaker 2: No?
Speaker 9: Because if he got an attorney to take the case,
Speaker 9: then they would they would call them and get medical records,
Speaker 9: et cetera.
Speaker 6: Told Carl call these two attorneys if they.
Speaker 5: Don't, Carl, what's that? Did you call the law firms?
Speaker 13: Yeah?
Speaker 6: I sure?
Speaker 11: Did I call them? Not only did I call them,
Speaker 11: I send them the paperwork?
Speaker 10: Did I say what did they say?
Speaker 5: What did they say?
Speaker 14: Well?
Speaker 11: They can't they they don't either don't handle it no
Speaker 11: more or they don't have the time.
Speaker 15: They end.
Speaker 9: Okay, okay, And he tells you he was going to
Speaker 9: get back to me, and then I will follow up
Speaker 9: from there.
Speaker 5: I okay, good. I don't think they don't think. Let
Speaker 5: me translate for you. They don't think it's a good case.
Speaker 6: Okay, So I will follow up on it.
Speaker 2: Tom.
Speaker 15: That's it.
Speaker 5: I mean, I don't know what else to say. I'm
Speaker 5: Tom Martino. Three oh three seven one three talks seven
Speaker 5: one three two five five Waterpros dot Net. I love
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Speaker 5: get a better deal. Give yourself a Christmas present early
Speaker 5: thirty one ninety five. Go with a sure thing Denver's
Speaker 5: best roofer Excel Roofing dot com. You don't pay a
Speaker 5: cent until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three all three seven seven to one. Help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate Man dot com to list your home with
Speaker 5: Remax Alliance three all three nine two zero sixteen twenty two. Ki,
Speaker 5: Tom Martinez, your troubleshooter. I'm gonna boost that that audio
Speaker 5: there and then if you I'm sorry, but if you
Speaker 5: can't take it, get out of the kitchen, right all right?
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five Do I sound like a robot? Anyway?
Speaker 5: Let's keep going here and take these calls. Alec. I'm
Speaker 5: sorry to hear you're having a problem with a death
Speaker 5: in the family. What's going on, Alex? I'm Tom Martine.
Speaker 16: I'm a big fan of you guys, and thank you
Speaker 16: for helping so many people.
Speaker 5: What's going on with you?
Speaker 8: Uh?
Speaker 16: My father suddenly passed away Tuesday afternoon, and yeah, it's hard,
Speaker 16: you know at hap home?
Speaker 2: Was it?
Speaker 5: You said it was sudden, so nothing expected? Was How
Speaker 5: old was he? H?
Speaker 16: He was sixty four?
Speaker 5: Sixty four years by today's standards. Was there anything wrong
Speaker 5: with him so to speak, as far as a disease
Speaker 5: or anything?
Speaker 16: So we found out after uh, you know, he passed
Speaker 16: from the corner that his last doctor's appointment, he was
Speaker 16: diagnosed with heart failure, but he kept out from us all.
Speaker 5: So when was that? When was he diagnosed with that?
Speaker 16: A little over a year ago?
Speaker 5: Oh my goodness. Was there anything he could have done
Speaker 5: about it?
Speaker 16: It's hard to say because he did speak to me
Speaker 16: very little after the appointment. We lived together and you know,
Speaker 16: we were very close.
Speaker 5: Did he look not?
Speaker 17: What?
Speaker 5: Did he look apparently unhealthy? Did he was nomended when
Speaker 5: he walked? Or didn't? Was he? Oh?
Speaker 18: Very much?
Speaker 16: So he worked out every day, very active active?
Speaker 5: Oh my goodness. Really, yeah, it was quite a shock
Speaker 5: like that. Was it coronary artery disease or was it
Speaker 5: heart failure? Because of some defect or what. I'm just
Speaker 5: curious more than anything.
Speaker 16: Oh, I don't blame the I am too. Actually I
Speaker 16: didn't speak to the corner. My mother relaid the imptation
Speaker 16: to me.
Speaker 5: Anyway, go ahead, No, no, I'm listening.
Speaker 16: Oh they just what I was told is that his
Speaker 16: arteries were all clogged, but there was no defects and
Speaker 16: he didn't suffer from a heart attack. He just collapsed
Speaker 16: and was pretty much dead instantly.
Speaker 5: Okay. You know, this is what's funny, and it's not funny,
Speaker 5: but weird is that most heart attacks do not come
Speaker 5: from clogged arteries. I mean, people think they do, and
Speaker 5: they don't. But clogged arteries are never a good thing.
Speaker 5: It's a sign of other problems. But in any case,
Speaker 5: what are you calling about today?
Speaker 14: Okay?
Speaker 16: So it has to do with my father's social security Okay,
Speaker 16: and for my mother. You know, they've been married for
Speaker 16: I don't know, thirty three years somewhere around there, and
Speaker 16: you know, I didn't know if she's eligible to receive
Speaker 16: it now that he's passed, or the process.
Speaker 5: Okay, here's the way. How old is your mom?
Speaker 16: My mom is fifty fifty eighty eight, and.
Speaker 5: Was he on social Security.
Speaker 16: Yes, sir, yes, sir.
Speaker 5: Okay, So the way it normally works, you know what
Speaker 5: I let me let me tell you the way it
Speaker 5: normally works that I know of it, and then I'll
Speaker 5: look it up or we'll get one of our experts.
Speaker 5: But normally what happens is, did your mom work.
Speaker 16: My mom's currently working.
Speaker 5: Okay, your mom gets survivor's benefits up to the point.
Speaker 5: See if his is if his half of Social Security
Speaker 5: is more than what she gets, she will get supplemented
Speaker 5: up to that point. I believe up to half of
Speaker 5: what that's the survivor's benefit. But she can only get
Speaker 5: that when she retires. You don't get survivor's benefits unless
Speaker 5: you're a minor child. So, and he was only sixty four,
Speaker 5: so he was on Ah, he was not on full
Speaker 5: Social Security. He took it early.
Speaker 19: Yeah, it was partial.
Speaker 16: It's because a couple of years ago he was diagnosed
Speaker 16: with cancer and we were working together at the time.
Speaker 16: Oh and once he was diagnosed, you know, it's like, well, Dad,
Speaker 16: you know, I might as well do it now because
Speaker 16: we don't know how long you got when you got.
Speaker 5: Oh and what happened to his cancer?
Speaker 6: He beat it.
Speaker 16: He was in remission. Remission?
Speaker 5: Wow, what kind of cancer was it? This guy's a fighter.
Speaker 2: Huh.
Speaker 16: Oh to the day he died, to the day he died.
Speaker 5: So your mom is how old? Did you say? I'm
Speaker 5: punching it into your Social Security site.
Speaker 16: Okay, she's also a disabled veterans.
Speaker 5: Well, is she on disability?
Speaker 6: Yeah?
Speaker 12: Partial, partial, but.
Speaker 5: She's working yeah yeah, huh. Okay, Well, I don't know
Speaker 5: what that does. I don't think I don't think that
Speaker 5: affects it one way or the other. Okay, So I'm
Speaker 5: putting this into the site here and see what it says,
Speaker 5: and we'll come back to you. Okay, hold on, Yes, sure,
Speaker 5: and I'll try to get an answer from one of
Speaker 5: our experts. But they have I'm on their website right now,
Speaker 5: and oh it says your mom. Okay, hold on. Mother's
Speaker 5: wives are eligible for survivor benefits from Social Security. What
Speaker 5: they do is generally they receive survivor benefits as early
Speaker 5: as sixty, but the benefit amount will be reduced if
Speaker 5: you take it before her full retirement age. If she
Speaker 5: has a disability, she may be able to start benefits early. Again,
Speaker 5: though if she starts benefits early, they'll be less than
Speaker 5: if she waits he waits until her full retirement age,
Speaker 5: which is usually sixty seven for that generation, she could
Speaker 5: receive one hundred percent of the dad's benefit. Oh, I
Speaker 5: didn't realize that. Wow, I did not know that. See,
Speaker 5: I am always confused at this But so and did
Speaker 5: you make an appointment? She should make an appointment for
Speaker 5: Social Security and get the low down at the But
Speaker 5: normally I thought it was half anyway. So normally survivor's
Speaker 5: benefits are at retirement age, which I was right about.
Speaker 5: With a disability, you can take it early, and in
Speaker 5: other circumstances you can take it at sixty. So just
Speaker 5: see if that's really the best information I have. So
Speaker 5: do me a favor and let me know what you
Speaker 5: find out with a meeting. Her disability will make a
Speaker 5: big difference. Even if she's getting disability payments partial, it
Speaker 5: will make a difference. Three oh three seven to one
Speaker 5: three talk seven one three eight two five five. GARYL
Speaker 5: has a problem with Best Buy. Peter's calling about an
Speaker 5: issue with an AC and speaking of acs and furnaces, Hannah,
Speaker 5: let's talk real quick here. So for thirty nine bucks,
Speaker 5: fix it twenty four to seven does the extreme clean.
Speaker 7: This is for the furnace, and now is the time
Speaker 7: to do this. Get it ready for the winter. Decrease
Speaker 7: your utility bills. And you know this, tom dirt, dustin
Speaker 7: debris number one cause of those insanely expensive breakdowns.
Speaker 5: This is so easy to prevent if people do this,
Speaker 5: If people do this from the beginning, I mean even
Speaker 5: with new furnaces every couple of years, Yeah, they're going
Speaker 5: to prevent. They're going to keep that thing a long
Speaker 5: long time.
Speaker 7: The amount of money they save on bills and also
Speaker 7: those repairs, it's absolutely amazing. And that's that's what we
Speaker 7: love to hear from those customers. Yes, and this is
Speaker 7: for first time customers.
Speaker 5: All right. Three three seven one three eight two five five.
Speaker 5: By the way, I took down the hideous teeth. I
Speaker 5: wanted it up there so my one attorney could look
Speaker 5: at it and give an opinion. We have more coming
Speaker 5: up on the Troubleshooter Show. Three oh three seven one
Speaker 5: three a two five five Go with a sure Thing
Speaker 5: Denver's Best Roofer Excel roofing dot com. You don't pay
Speaker 5: a cent until you're content. Time for an insurance check
Speaker 5: up free, no obligation in comparison call Compass Insurance paying
Speaker 5: too much your coverage at dozens of insurance companies. Find
Speaker 5: out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino here, three oh three
Speaker 5: seven one three talk three L three seven one three
Speaker 5: A two five five. So Daryl, what is your issue
Speaker 5: with best Buy?
Speaker 2: Sir?
Speaker 5: What is your issue? Are you there? Darryl and my
Speaker 5: brother Daryl, my other brother Darryl. I'll tell you we
Speaker 5: haven't had a complaint on best Buy in a long time.
Speaker 5: I will say that. So let's talk to Peter. Peter.
Speaker 5: What's happening, Tom Martinez?
Speaker 17: Thank you Air Force a vet here. I'm calling about
Speaker 17: in your condition unit my daughter had put into her
Speaker 17: house thirty five hundred dollars later.
Speaker 10: She's having a lot of problems with it.
Speaker 5: Just the she put in, just the AC. She put in,
Speaker 5: just the AC. Yes, sir, Okay.
Speaker 8: Now the great news is my.
Speaker 17: Daughter Sarah is here to explain it, because honestly, that's.
Speaker 10: All I know, just a concerned.
Speaker 11: Father, just thankful that you're taking her call and maybe
Speaker 11: you get to the bottom of it.
Speaker 5: All right, let me let me, let me talk to her.
Speaker 5: What's her name?
Speaker 11: Sarah?
Speaker 5: Okay, hey, Sarah, are you there? Sarah?
Speaker 19: I'm here?
Speaker 2: Can hear me?
Speaker 5: Very very little? Go ahead? Are you there? Yeah? Get off?
Speaker 5: Just get on there, Okay, Sarah, let's talk, Sarah. I
Speaker 5: want to ask a couple of questions. So when did
Speaker 5: you have the A C done?
Speaker 2: So?
Speaker 18: I purchased my house about three years ago. The following
Speaker 18: year we had the A C you replaced under the
Speaker 18: home warrant.
Speaker 5: Oh and and uh wait wait wait wait? So so
Speaker 5: three years ago you bought your house and then and
Speaker 5: then two years ago, a year after that, you had
Speaker 5: it replaced. Okay, got it? Uh and they replaced just
Speaker 5: the A C. They replaced just the AC unit.
Speaker 20: Correct.
Speaker 5: Okay. I am shocked that you got them to do that,
Speaker 5: But that's good. So, uh, then did you have to
Speaker 5: spend money? Your dad said, thirty five hundred? I thought
Speaker 5: you said the warranty did it?
Speaker 18: So the warranty covered the replacement of the AC. Now,
Speaker 18: the company that they referred us to recommended we upgrade
Speaker 18: to a larger unit, which is what cost us the
Speaker 18: thirty five hundred dollars on top of it.
Speaker 5: Okay, okay, okay, that was a rip I'm sorry.
Speaker 2: That sucks.
Speaker 1: I don't mean.
Speaker 5: I don't mean they ripped you off. What I'm saying
Speaker 5: is anyway, anyway, so you decided to upgrade and you
Speaker 5: had to pay an extra thirty five hundred.
Speaker 18: Then what happened right based on their recommendation?
Speaker 8: I get it, I get it.
Speaker 5: So what did you go from? What did you upgrade
Speaker 5: from what to what? What would have been put in there?
Speaker 18: Gosh, and I don't have it. I want to say
Speaker 18: four thousand?
Speaker 2: Sorry, Okay.
Speaker 5: What I meant was, do you know what you got
Speaker 5: in efficiency? As far as seer goes.
Speaker 18: Like, do you know what's that information? Off the top
Speaker 18: of my No, I don't.
Speaker 5: But okay, Then another question for you the cost the
Speaker 5: warranty was paying us? How much.
Speaker 18: The warranty covered the cost of the AC, which was
Speaker 18: approximately seven thousand, and.
Speaker 5: Then you added to that thirty five hundred, correct? Got it? Okay?
Speaker 5: Keep going.
Speaker 18: Fast forward a year and we have the same issues
Speaker 18: with this AC, the same freezing issues, and we're confused
Speaker 18: because we just purchased this or purchased.
Speaker 5: The AC, so we have no So that AC started
Speaker 5: freezing up, correct.
Speaker 18: Which was the same original problem, which is why we
Speaker 18: had it replaced in the first place.
Speaker 5: Okay, which was the same problem as the first one. Now,
Speaker 5: what does your warranty company say?
Speaker 18: Now, the warranty company referred us to the h VAC company.
Speaker 5: That in well, of course, and who was that HVAC
Speaker 5: company Metro Home Services, Metro Home Services, And what do
Speaker 5: they say about this?
Speaker 18: No, we had them to come out because they had
Speaker 18: a one year service warranty and they told us to
Speaker 18: replace our furnace.
Speaker 5: And oh, so they say the air Okay, so they're okay,
Speaker 5: I know what they're saying. They're saying the air is
Speaker 5: not keeping up, the furnace is not keeping up with
Speaker 5: the new AC. I don't know if that's true or
Speaker 5: not correctly. I'd want to ask on my easel, can
Speaker 5: you get somebody from Fixing to come on. We're going
Speaker 5: to get an expert.
Speaker 6: Whole question.
Speaker 5: We're going to Oh, Bow's an expert. To Bow a
Speaker 5: little ahead, but I want to get fix It on too.
Speaker 21: Go ahead, Bow, Sarah have an important question when they
Speaker 21: replace the air conditioner.
Speaker 6: They replace the unit outside.
Speaker 18: Right, they did replace the unit outside.
Speaker 21: Okay, did they replace the coil in your basement or
Speaker 21: at it evaporate your coil?
Speaker 18: They did replace that as well. We did have a
Speaker 18: couple other companies come out and they said it was
Speaker 18: a poor installation. The unit is leaning to one side,
Speaker 18: it's not installed properly on the outside, so the coil
Speaker 18: is just sitting on the ground outside of the No.
Speaker 5: No, the coil is not outside, soil inside.
Speaker 21: But you're having the exact same problem with it freezing
Speaker 21: up from the unit from three years ago.
Speaker 18: Correct, correct sounds right?
Speaker 5: Listen, Okay, what do you think it was both three
Speaker 5: years ago?
Speaker 21: It's obviously lack of free on or an airflow problem.
Speaker 6: But if she's having the same.
Speaker 5: Problem, choke it down. Can the furnace show.
Speaker 6: Us my next question? Did they replace your furnace?
Speaker 5: No, that's what they're recommending. Now, then that was the
Speaker 5: whole idea.
Speaker 21: I would suggest the furnace blower. Isn't that pushing enough air?
Speaker 5: Yeah, so they're saying get a new furnace, so they're
Speaker 5: not entirely off base.
Speaker 10: No.
Speaker 5: Okay, Now, when you say a poor installation. By the way, Sarah,
Speaker 5: let me explain that. They mean it's probably not neat.
Speaker 5: I don't know bo they said it was leaning and
Speaker 5: other what did they say? It was a defective installation?
Speaker 18: They the three of the other companies that I paid
Speaker 18: to come out?
Speaker 5: And you who are the other companies you paid to
Speaker 5: come out? Who are the other companies?
Speaker 18: Priority Plumbing, which is an amazing company.
Speaker 19: I love them.
Speaker 18: Okay, the other two I do have in my records,
Speaker 18: although I don't.
Speaker 5: And what did they all say the top of my
Speaker 5: did any of them say you have to redo the
Speaker 5: whole Did any of them say you have to redo
Speaker 5: the whole thing?
Speaker 18: They said that we were recommended too big of a
Speaker 18: unit for our home.
Speaker 5: Did that.
Speaker 21: If the coil in the air conditioner was oversized? She
Speaker 21: did say she upgraded it.
Speaker 5: They tried to get thirty five hundred from hers, what
Speaker 5: I think.
Speaker 6: But she's having the same problem with the older unit.
Speaker 5: Oh that's true, you know, because it could have been
Speaker 5: the furnace from the beginning.
Speaker 21: And I don't think the unit leaning or out of
Speaker 21: alignment would have anything to do.
Speaker 5: Here's what I want to do. Okay, you had three experts.
Speaker 5: What are you calling about today.
Speaker 18: I'm like a little direction, please. I've contacted the Metro
Speaker 18: again just to have them come out and look at
Speaker 18: the thing. They also cut a hole into the side
Speaker 18: of the unit, so I don't I can't even put
Speaker 18: my air filter in because there is a why.
Speaker 5: Did they Why did they cut a hole?
Speaker 18: I think from and I like having an expert on
Speaker 18: the line too, but I think because the unit was oversized.
Speaker 18: They needed that airflow to accommodate for the oversized unit.
Speaker 18: So I just wanted as.
Speaker 5: A point, what does you have a point about?
Speaker 21: They cut a circular rectangular hole in the ductwork to
Speaker 21: try to get more airflow across the so there's sucking
Speaker 21: additional air from the basement to try to get across
Speaker 21: the cost.
Speaker 6: That does sound like some kind of oversized problem. But
Speaker 6: I don't know what.
Speaker 5: I want BO to take this problem, and if they
Speaker 5: I have a feeling. I have a feeling they had
Speaker 5: you upgrade so they could collect extra cash. And I
Speaker 5: don't like this feeling at all. I don't like it.
Speaker 5: So hang on, Sarah, you're gonna get plenty of direction.
Speaker 5: We're going to check it out for you, okay, And we've.
Speaker 7: We've got one of our technicians getting ready to call in, good, excellent.
Speaker 5: And Sarah, let me say this. Our technician will call in.
Speaker 5: But you know this.
Speaker 7: I know you've had folks come out and I'm so
Speaker 7: sorry for what you're going through right now. But we
Speaker 7: do a free second opinion because here's the deal. You
Speaker 7: want to know exactly what's going on before you make it.
Speaker 7: You know what I like about second opin so.
Speaker 5: We'd love to send that out to you. Say, here's
Speaker 5: what I love about second opinions. You cannot go wrong.
Speaker 5: Here's why. If you have an opinion and it's in
Speaker 5: writing and they give you one, well, guess what. People
Speaker 5: can't say, I can do it cheaper, or you don't
Speaker 5: need it, or you need this. In other words, it's
Speaker 5: almost almost fail safe. The only time it's not fail
Speaker 5: safe is if you have two crooks and they both
Speaker 5: want to sell you something and one will one crook
Speaker 5: will sell you a little cheaper. But most of the time,
Speaker 5: if you use one of our people to do a
Speaker 5: free second opinion, if you use fix it twenty four
Speaker 5: to seven, I think you'll get really some insight and
Speaker 5: they'll try to beat the price every time. That's what
Speaker 5: they'll try to do. Now, bo, thank you for taking this.
Speaker 5: We got more coming up on the Troubleshooter Show. Go
Speaker 5: with a sure Thing Denver's best rufer excel Roofing dot com.
Speaker 5: You don't pay a cent until you're contenth time for
Speaker 5: an insurance checkup free no obligation comparison call Compass Insurance
Speaker 5: paying too much your coverage at dozens of insurance companies
Speaker 5: find out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi, Tom Martinez here three oh three
Speaker 5: seven one three talk three oh three seven one three
Speaker 5: eight two five five Frank durand the real estate Man
Speaker 5: dot comcast say enough about him. If you want to
Speaker 5: know what your house will sell for, he'll give you
Speaker 5: an evaluation. Now that's not an appraisal, it's even better.
Speaker 5: It's what Frank has been selling things for. That's Frank Duran,
Speaker 5: the real Estateman dot com three l three nine two
Speaker 5: zero sixteen twenty two. Now coming up, we're gonna get
Speaker 5: another another opinion on this HVAC. And you know, here's
Speaker 5: the thing. They're very complicated animals. But what I love is,
Speaker 5: you know, fix It always goes out and looks at
Speaker 5: stuff for us. But Bo, you can do that as
Speaker 5: well if you need any extra help. I'm going to
Speaker 5: get them on the line after the break because we're
Speaker 5: coming up on a break and I want to go
Speaker 5: to my text information here and one is all right, Tom,
Speaker 5: you show those teeth. Yeah, I showed implants. You can
Speaker 5: go back in the feed later on if you want
Speaker 5: to view down download the stream. And he said, I've
Speaker 5: seen better dental work from a mummified or from an
Speaker 5: Egyptian mummy. Okay, you know those implants looked horrible. But
Speaker 5: we always have the issue of the problem we have
Speaker 5: is we always have the issue of what happens in
Speaker 5: court or how much it costs to take to court,
Speaker 5: you know someday. In fact, if we get a break today,
Speaker 5: I want kachina. I want to try to get Marco
Speaker 5: Bendinelli on if we get a break today. Sometimes I
Speaker 5: want to talk about how much it costs to bring
Speaker 5: a mault practice suit, because it's really they're they're very,
Speaker 5: very difficult, very very very very difficult. Now let's see. Oh,
Speaker 5: I have one text that says here about is it
Speaker 5: wise to replace just the furnace or just the ac
Speaker 5: if they're the same age and they're old. No, it's
Speaker 5: not wise at all. They're matched for the best performance.
Speaker 5: You want to do both. We'll get our expert on
Speaker 5: right after this, and we have more coming up on
Speaker 5: the Troubleshooter Show. Go with a sure thing Denver's Best
Speaker 5: roofer Excel Roofing dot com. You don't pay a cent
Speaker 5: until you're content. Wait time for an insurance check up free,
Speaker 5: no obligation comparison call Compass Insurance paying too much your
Speaker 5: coverage at dozens of insurance companies find out now three
Speaker 5: oh three seven seven to one help. You'll think you're
Speaker 5: his only customer when you choose Frank durand the real
Speaker 5: estate Man dot com to list your home with Remax
Speaker 5: Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Rip.
Speaker 1: You need that so you don't have.
Speaker 2: Come running sious as fast as you can.
Speaker 3: Shooter's gonna help coming, man.
Speaker 4: This is the Troubleshooter Show. No Tom Martino, Hey, hey, hey.
Speaker 5: Tom Martino. Here welcome to the show. Three oh three
Speaker 5: seven one three talk three all three seven one three
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Speaker 5: Three O three nine zero four two thousand three h
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Speaker 5: made to your custom movements, no thresholds to walk or
Speaker 5: stumble over. That's renew home Innovations dot Com. Now let's
Speaker 5: bring up another expert of mine from Fix at twenty
Speaker 5: four to seven. This is Adam Adam. Are you there, sir? Yes, sir,
Speaker 5: I am now Adam. You are in charge of the
Speaker 5: HVAC department or something like that. You're one of the supervisors, right.
Speaker 16: Yes, sir, I'm the HVAC service seller.
Speaker 5: Here's what I want to I want to lay out
Speaker 5: a scenario for you. So we had a woman who
Speaker 5: bought an AC brand new AC warranty paid for part
Speaker 5: of it. They said about seven grand of it. Then
Speaker 5: when the company came out, the company said, hey, we
Speaker 5: recommend an upgrade, so she paid an additional thirty five hundred.
Speaker 5: Now not asking you about the pricing, but here seems
Speaker 5: to be the situation. Her original problem. The reason the
Speaker 5: home warranty paid for the AC is because it was
Speaker 5: freezing icing up. So then they replaced it still icing up,
Speaker 5: and so now they say, well, you probably need a
Speaker 5: new furnace because it's you know, it's icing up. So
Speaker 5: then somebody else said, she had some experts come out,
Speaker 5: and some experts told her that maybe it's oversized for
Speaker 5: the house. So what are your thoughts on stuff like that?
Speaker 5: If it's icing up? That's her main problem.
Speaker 22: Yeah, do we have the age of the home?
Speaker 5: Do we know when her home was built?
Speaker 2: No?
Speaker 5: Actually I didn't ask.
Speaker 22: The reason why I ask is I'm assuming she's Denver Metropolitan.
Speaker 5: I'm guessing. I'm just guessing from the sound of it
Speaker 5: it was an older home. I don't know, it could
Speaker 5: have been maybe not, but.
Speaker 22: Anyway, homes homes weren't built for air conditioning systems like
Speaker 22: the ductwork in particular, until the late eighties early nineties.
Speaker 5: So what we see a lot of times is.
Speaker 22: They size the system for the house.
Speaker 5: But not for the duct work. Oh so it may
Speaker 5: be sized right for the house, but the ducks can't
Speaker 5: handle it, so it freezes up.
Speaker 16: Correct because our airflow.
Speaker 22: And then what happens a lot of times is when
Speaker 22: you don't replace an air conditioner and a furnace together,
Speaker 22: you can't optimize airflow properly. So what will end up
Speaker 22: happening is, say, just hypothetically, you'll throw in a three
Speaker 22: ton air conditioning system, but then you have an older
Speaker 22: furnace on top of it that was also a three
Speaker 22: ton airflow furnace. But as they ate, the efficiency drops,
Speaker 22: it becomes less efficient, your airflow drops and it doesn't
Speaker 22: work as good as they used to. So now it
Speaker 22: may only be pushing two or two and a half airflow,
Speaker 22: which is not enough to support the air conditioner that
Speaker 22: they put in.
Speaker 5: Hey, Adam, so this is yes.
Speaker 7: So one thing I was saying was the importance of
Speaker 7: getting that second opinion. But ye, second opinions can vary.
Speaker 7: Can you speak to what a company should be doing,
Speaker 7: how we operate, but really how any company should be
Speaker 7: doing a second opinion if you're going to call them out,
Speaker 7: so you know you're getting good information.
Speaker 22: Yeah, so first off, it's the communication, right. Our technicians
Speaker 22: are trying to actually keep the homeowner involved.
Speaker 5: Every step of the process.
Speaker 22: They don't just go downstairs do some stuff, come up
Speaker 22: and say here, this is what you need. We're trying
Speaker 22: to communicate that and have those conversations with the client
Speaker 22: when we do the heatload calculations, when we do the
Speaker 22: cooling load calculations, when we measure the duct work, the
Speaker 22: homeowners involved every step of the way. A lot of time,
Speaker 22: even when I was in the field, I would have
Speaker 22: the client, you know, the homeowner, hold the calculator as
Speaker 22: we're doing the measurements so we can walk through exactly what.
Speaker 5: You make them feel part of it. I get that there,
Speaker 5: home I want to ask you something, though, was this
Speaker 5: company too far off by suggesting, well, now you need
Speaker 5: a furnace or could it be that the ac is oversized.
Speaker 22: As much as I want to give there's a that's
Speaker 22: a lot of information that I don't have to make
Speaker 22: a complete, one hundred percent accurate diagnosed diagnosis. Personally, I
Speaker 22: would strongly encourage second opinions, especially in that situation when
Speaker 22: you're you know, in anything like in any situation like that,
Speaker 22: and specifically when the client said, or you had mentioned
Speaker 22: the client stated, they said, they require recommended an upgrade.
Speaker 5: Well, define upgrade?
Speaker 22: Does that mean higher efficiency?
Speaker 5: That's what we asked. She didn't know.
Speaker 22: She didn't know, yes, So for all we know, they
Speaker 22: could have just recommended her get a larger air conditioning
Speaker 22: system and that now no longer matches the home.
Speaker 5: I agree with you, Yep, totally. So here's what I
Speaker 5: want to know. When you come into a situation at
Speaker 5: fix at twenty four to seven where the house is
Speaker 5: larger than the duct work should be. Actually the house
Speaker 5: is larger and the duct work is smaller. How do
Speaker 5: you size a system where do you actually maybe go
Speaker 5: so far as to recommend new ducting That might be impossible.
Speaker 5: What do you do?
Speaker 22: No, So the good news is the way furnaces and
Speaker 22: air conditioning systems are designed today, we can work with
Speaker 22: the duct work.
Speaker 5: The existing duct work we.
Speaker 22: Have traditionally will add like a variable speed motor. So
Speaker 22: maybe we will upgrade the furnace a little bit so
Speaker 22: you have a different motor that's the ability to ramp
Speaker 22: up and ramp down as necessary.
Speaker 23: Okay, but we will we'll take when we.
Speaker 22: Do a heatload calculation and so on and so forth.
Speaker 22: We're taking airflow measurements so we can check and make
Speaker 22: sure that the air moves too where it needs to go.
Speaker 5: Well, if it doesn't, though, don't you have these fans
Speaker 5: or something that can go in ducts in other parts
Speaker 5: of the house or not.
Speaker 22: So there are a couple of options in regard to that.
Speaker 22: A lot of times what we recommend is there are
Speaker 22: these little booster events that put in the in the
Speaker 22: vents in the grills in your floor and that will
Speaker 22: boost the airflow a little bit throughout the home.
Speaker 5: Okay, that's very cool, Thank you man, Thank you very much.
Speaker 5: And I do want to encourage and I appreciate that.
Speaker 5: I want to encourage people to please, please, please please
Speaker 5: do your homework and get a second opinion. Now, you
Speaker 5: guys don't charge the call charge for a second opinion,
Speaker 5: right and it's free. They come out, So if you're
Speaker 5: told you need something, they'll do it seven two zero
Speaker 5: five two six thirty nine thirty nine or fixmihome dot com. Nancy,
Speaker 5: you have a follow up from three weeks ago. I'm
Speaker 5: trying to find it now. Empire Flooring. By the way,
Speaker 5: it is, God, there's so many things I.
Speaker 24: Want to me this time, they came in and they
Speaker 24: had it done in a day and a half. They
Speaker 24: redid my whole floor, so they themes and put some
Speaker 24: something down like concrete. It's not concrete.
Speaker 5: So what you're saying is are you happy with the results.
Speaker 24: I'm so happy. Good the best nices and.
Speaker 5: This is okay, you know what, this was really good
Speaker 5: and we you know, I'm glad that this worked out
Speaker 5: this way. You had Empire do some LVP and then
Speaker 5: it started buckling. They fixed it, but it's buckling again.
Speaker 5: So then they finally came in and did it the
Speaker 5: best way.
Speaker 10: Right, Yes, and it is beautiful.
Speaker 24: They standing down all the themes and put this step
Speaker 24: on it to even everything out. It's just beautiful. And
Speaker 24: plus they put all new what is that begins to
Speaker 24: the fourboard?
Speaker 5: The yeah, the baseboard.
Speaker 24: They put all new data and they get a beautiful job.
Speaker 5: Well, I'm really happy, thank you for telling us.
Speaker 24: Yes, great, I don't want that.
Speaker 5: I'm very happy that you let us know because I
Speaker 5: get to use on a Monday. Guess what do I
Speaker 5: get to use Shannon Yep, I get to use my dinger.
Speaker 5: I like using my dinger. Whatever I can. Of course,
Speaker 5: at seventy one they tell me you don't use it
Speaker 5: to lose it, but you can't use it too much,
Speaker 5: can't use it too little. But I like having that
Speaker 5: success dinger on. So thank you, Nancy. We got more
Speaker 5: coming up on the Troubleshooter Show. Three oh three seven
Speaker 5: three seven eight two five five. Go with a sure
Speaker 5: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 5: pay a cent until you're content. Wait time for an
Speaker 5: insurance check up free no obligation comparison call Compass Insurance
Speaker 5: paying too much your coverage at dozens of insurance companies
Speaker 5: find out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino, your Troubleshooter Trio three
Speaker 5: seven one three talks seven one three eight two five five.
Speaker 5: All right, so we have let's see on the phone here. Oh, okay,
Speaker 5: we don't have anyone right now, give us a call.
Speaker 5: I'm gonna go to my faxes three oh three seven,
Speaker 5: one three talks one three eight two five five. All right,
Speaker 5: now here's somebody said. Somebody said, uh, that Trump is
Speaker 5: being sentenced? Is he being sentenced this week? Any I
Speaker 5: didn't know that, did anybody? Uh? I'm sorry, I didn't
Speaker 5: know that. But somebody said he's being sentenced and we
Speaker 5: ought to know about it. So I didn't know about it.
Speaker 5: But I do have some news stories though that I
Speaker 5: want to get to that I try to get to
Speaker 5: when we're not too busy, but are again and there.
Speaker 5: Have you heard, of course, all of the rumors that
Speaker 5: the fight was rigged? Have you?
Speaker 7: I've seen a discussion that, sorry, I've seen that online
Speaker 7: that it was rigged.
Speaker 5: I mean, what was the rigging?
Speaker 7: I know we were disappointed in what we saw and
Speaker 7: maybe sad by what we saw, But what's an argument
Speaker 7: that it was.
Speaker 5: A rigged Here's what they're saying. If you look at
Speaker 5: the videos of him training, they're like crazy compared to
Speaker 5: what he did in the ring. We're talking about Tyson
Speaker 5: then the other guy. It sounds like they wanted to
Speaker 5: rematch or they they they just wanted to payday and
Speaker 5: neither of them wanted to get hurt, and they kind
Speaker 5: of made this little agreement. Let's dance for eight rounds. Okay,
Speaker 5: you'll look like a hero because you're fifty eight and
Speaker 5: you made it for eight rounds. Yep. And I'll look
Speaker 5: like a hero because I won technically. So I don't know,
Speaker 5: what do you guys think. Does it seem to you
Speaker 5: that it was Rick? I I will say that this
Speaker 5: guy looked totally different than his training sessions. I watched
Speaker 5: the videos of his training sessions and they were outrageously good. Okay,
Speaker 5: outrageously good. Three three seven one three talk seven one
Speaker 5: three eight two five five. Now let me bring up
Speaker 5: one other thing. I talked about businesses, and I talked,
Speaker 5: Oh we do have Marco on Okay, I'm gonna get
Speaker 5: back to this inconsistency. I have a note here, Marco.
Speaker 5: Thanks for being here, Marco Bendinelli. Can I just say
Speaker 5: one of the most frustrating calls I take. All Right,
Speaker 5: somebody's been wronged by a doctor, and they've really been wronged. Okay,
Speaker 5: they really have been wronged, you know, and it's not
Speaker 5: a question of whether or not let's say it's malpractice,
Speaker 5: but they don't have extraordinary losses or the losses might
Speaker 5: be otherwise capped by statute. And I want to go
Speaker 5: over some of those with you, But they're the most
Speaker 5: difficult cases to bring in. I tell people the reason
Speaker 5: five or six attorneys told you they don't have time
Speaker 5: or they're too busy. Marco, if a really, really good
Speaker 5: malpractice case walked into your office, you'll make time for it.
Speaker 5: Is that right?
Speaker 25: Well, sure, if it's really good, you're time. I'm assuming you're.
Speaker 8: Talking medical malpractice and not legal yes.
Speaker 5: Practice, yes, medical malpractice. So what I want to ask
Speaker 5: you is this, what do you need for a good
Speaker 5: malcre practice case?
Speaker 8: Well, you know, a lot of times, like you said,
Speaker 8: people bring or they want to bring a medical malpractice
Speaker 8: suit for things that are inconvenient, they were treated rudely,
Speaker 8: and you know, or even if there is medical malpractice
Speaker 8: without major damages or permanent injuries, you know, they're too
Speaker 8: expensive to bring. I mean, you're going to spend five
Speaker 8: thousand dollars out of the gate because you have to
Speaker 8: get a a certification that the medical malpractice lawsuit does
Speaker 8: not lack substantial justification.
Speaker 25: That's the statutory language. The case cannot lack substantial justifications,
Speaker 25: so you've got to get it reviewed by an out
Speaker 25: of state physition, and just that initial review is typically.
Speaker 8: Five thousand dollars.
Speaker 11: So these.
Speaker 25: Medical milf practice cases are time consuming and expensive.
Speaker 5: Is it safe to say, Marco that it takes it
Speaker 5: can take one hundred grand to get to the courtroom.
Speaker 25: Absolutely, I mean they're hiring physicians. You're hiring physicians. Your
Speaker 25: physicians are out of state because you're not going to
Speaker 25: find an in state physician to testify against another in
Speaker 25: state physicians. So you know you're hiring out of state doctors.
Speaker 25: You've got to travel to take depositions, and you know
Speaker 25: these cases are expensive.
Speaker 5: Come okay? And then Marco, are any of the damages
Speaker 5: limited by statute?
Speaker 11: Well they are.
Speaker 25: And typically well one thing that's not limited is economic damages.
Speaker 6: So and.
Speaker 25: So let's say you have a medical malpractice case and
Speaker 25: it results in you know, lifetime medical care and we
Speaker 25: you know, we hire a what's called a life care planner,
Speaker 25: and you know, they detail, you know, what the life
Speaker 25: care plan is going to be and what that's going
Speaker 25: to cost, and sometimes that's in you know, well above
Speaker 25: a million dollars.
Speaker 8: Okay, so that is not capped.
Speaker 5: What is capped? When it is capped? What is cap No.
Speaker 25: Non economic damages are typically.
Speaker 5: Capped in a million dollars like pain and suffering, right right, Okay, okay.
Speaker 9: Marco, isn't it said it two hundred and fifty thousand
Speaker 9: in Colorado for pain and suffering?
Speaker 25: Well, you know, they changed a statue recently. In fact,
Speaker 25: I was just communicating with with the president of the
Speaker 25: CTLA and looking at some ofhow the cats changed. But
Speaker 25: they changed recently. But my understanding is right now it's
Speaker 25: a million dollars for non economics.
Speaker 5: All right, now, Marco, what is there a sad fact
Speaker 5: that when people call me and they're in their seventies
Speaker 5: or eighties, that they're going to get less damages than
Speaker 5: someone in their prime.
Speaker 26: Well, I mean, certainly, if you've got you know, you know,
Speaker 26: disabling effects of medical malpractice, you know, I mean the
Speaker 26: time that you have to live with that, you know,
Speaker 26: you know it's going to factor into you know.
Speaker 25: A jury's mind.
Speaker 8: But that doesn't mean that a.
Speaker 25: Jury won't be sympathetic. And the juries don't have parents
Speaker 25: in their sixties, seventies and eighties, so you know.
Speaker 12: But as a general rule, that would be correct.
Speaker 25: Yeah, but you know it's not, you know, it's it's
Speaker 25: not automatic that they're going to reduce damages. But you know,
Speaker 25: certainly that's the fact that.
Speaker 5: So what do people do? They still have to inquire.
Speaker 5: But isn't it code when a lawyer says they're too busy?
Speaker 5: Isn't that code?
Speaker 27: Well, I mean.
Speaker 28: It's not my code, you know, I tell them the truth, right, Yeah,
Speaker 28: you don't just blow them off. But I guess it
Speaker 28: can be for other lawyers that don't want to take
Speaker 28: the time to explain to people, you know, the challenges,
Speaker 28: but I'm usually straight up with them.
Speaker 5: Is there ever a hope that if there was an
Speaker 5: egregious violation but the damages are not enough to do
Speaker 5: let's say a malpractice suit, that you could maybe convince
Speaker 5: the carrier to do a settlement or do they hardly
Speaker 5: ever do that?
Speaker 25: Well, you know, and you and I talked about this previously.
Speaker 25: You know, there is now a case that came out
Speaker 25: where if you do bring a medical malpractice case, you
Speaker 25: can negotiate that without the physician's name going on the registry.
Speaker 25: And you know, we had that whole discussion about how
Speaker 25: you know that the State of Colorado Dora Department of
Speaker 25: Regulatory Agencies, you know, they began to maintain a list
Speaker 25: of physicians who were you know, found to have committed
Speaker 25: UH malpractice, and you know, and they were doing that
Speaker 25: primarily for the benefit of the public. And but what
Speaker 25: ended up happening is that the insurance companies UH would
Speaker 25: not settle cases, and the physicians would refuse to settle
Speaker 25: cases because they didn't want their name on the magistry registry.
Speaker 25: So even those cases then that you know, had merit
Speaker 25: that would have settled, the doctors were terrified they have
Speaker 25: their name on the registry. So what began, you know,
Speaker 25: as a benefit to the public ended up being, you know,
Speaker 25: making resolution of these cases more difficult. And so but
Speaker 25: now there's something called candor and I don't know if
Speaker 25: that's the case, but it enables pre trial resolution of
Speaker 25: these cases without the physician's name going on the registry. Okay,
Speaker 25: so you know, now we have a mechanism that we
Speaker 25: can you know, kind of serve the public and kind
Speaker 25: of protect the physicians at the same time.
Speaker 5: All right, Marco Bendinelli, thank you so much. One eight
Speaker 5: hundred attorney is his number. He's local. Happens to have
Speaker 5: that number. One eight hundred attorney. A T. T O. R.
Speaker 5: N e y. For those of you from Arkansas, it's
Speaker 5: one eight hundred. Now Eva has an issue with a
Speaker 5: bank account. Victor wants to talk about K and H.
Speaker 5: That might be quicker real quick here he wants to
Speaker 5: give props. Go ahead, Victor, what's going on?
Speaker 15: Hey, Tom, I just want to say thank you. You know,
Speaker 15: we needn't win does And my wife was almost ready
Speaker 15: to sign up for some guys who showed up knocking
Speaker 15: on the door on weekend on a Saturday.
Speaker 10: Yeah, And I said, no, honey, we don't.
Speaker 15: Want to do that. Tom says, you cannot tend people
Speaker 15: money just like that.
Speaker 5: That's right, we can't.
Speaker 15: And I go, we need to go under his company.
Speaker 29: Though I called K and H.
Speaker 15: They good, unbelievable. These guys are appointments nine o'clock. The
Speaker 15: first appointment is it? The guy was there at parked
Speaker 15: to for other house at a fifty nine or a
Speaker 15: fifty eight, I mean knocking on the right airco These
Speaker 15: guys are so professional, insult just totally confident in what
Speaker 15: they do. I got to tell you, I am a believer.
Speaker 15: Thank you and thank you Ka well, thank you.
Speaker 5: No, no, they are and they're one of the oldest
Speaker 5: companies and they carry on the heritage with the new owners.
Speaker 5: So thank you, Victor, really I appreciate it. Three oh
Speaker 5: three seven one three top seven one three eight two
Speaker 5: five five. Also another great company, Cumpass Insurance Group, will
Speaker 5: give you check ups on the phone or through the email.
Speaker 5: We just contact them O Theinsurancehelpcenter dot com THREELL three
Speaker 5: nine nine six nine thousand. Get a free checkup of
Speaker 5: all of your insurances to see you're not paying too much. Hey, listen.
Speaker 5: If you have a great deal, they'll tell you that's
Speaker 5: three LL three nine nine six nine thousand. Go with
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Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 5: Insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three all three seven seven to
Speaker 5: one help. You'll think you're his only customer when you
Speaker 5: choose Frank durand the real estate man to list your
Speaker 5: home with Remax Alliance three all three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino, your troubleshooter three oh
Speaker 5: three seven one three talk seven one three eight two
Speaker 5: five five and Eva, what's going on with you? Hello?
Speaker 14: Eva, Hi, I hope you can help me figure out
Speaker 14: what's going on. I usually check my checking account, uh
Speaker 14: transactions uh over the automated system and every month.
Speaker 5: You mean when you say automated, do you mean online? Dear?
Speaker 14: No, I don't have a computer. I uh put in
Speaker 14: a phone number that is by press one. I could
Speaker 14: ask for my balance and transactions. So uh for a
Speaker 14: long time, now, a year or more, I have been
Speaker 14: getting with four and twenty cents. And I had one
Speaker 14: other question today, So I talked to someone and uh,
Speaker 14: and I said, by the way, now.
Speaker 5: Wait a minute. When you when you check online, they
Speaker 5: tell you your balance. But did they tell you all the
Speaker 5: debits and credits?
Speaker 14: Yes?
Speaker 5: Yes, online verbally No, I mean just me on the phone,
Speaker 5: on the phone.
Speaker 14: On my phone, yes.
Speaker 5: Verbally on the phone, they say you had three debits.
Speaker 14: It's a it's a recorded voice. I mean, I mean, yeah,
Speaker 14: And so I can, and so I verify for myself
Speaker 14: what i've You know what my balance is?
Speaker 5: And what do you write down? You write down what
Speaker 5: they're telling you on the phone and.
Speaker 14: Check it exactly.
Speaker 2: Got it.
Speaker 5: So what happened? So you noticed her? So you really
Speaker 5: do your account activity on the phone? Got it?
Speaker 2: Yeah?
Speaker 5: I got it?
Speaker 14: So the bank so, okay, the recurrent withdrawal for four
Speaker 14: dollars twenty cents.
Speaker 10: While I was on the.
Speaker 14: Phone with them, I said, no, wait a minute, it's
Speaker 14: a small thing. But tell me who does that go to?
Speaker 14: Is it my health insurance? Is that medicare? Is that
Speaker 14: my signa insurance? And they only could give me a
Speaker 14: bunch of letters and numbers and no phone number. And
Speaker 14: I had Gal look up what she could find on that,
Speaker 14: and she found someone's name and phone number. I called
Speaker 14: it and it was another elderly lady sounded like and
Speaker 14: he got upset with me because I knew her daughter's name,
Speaker 14: because my bank gave me my bank googled.
Speaker 5: Even let me just let me ask a few questions.
Speaker 5: These are with These are monthly payments of around on
Speaker 5: four bucks going to this woman.
Speaker 14: I don't know if it really goes to her. The
Speaker 14: bank thinks it is.
Speaker 5: Why don't you stop the payments? Just stop them?
Speaker 14: Well they offer to do that, but I don't want
Speaker 14: to stop it.
Speaker 5: If no, that's the way you do it, that's why
Speaker 5: you do it.
Speaker 14: Wait a minute, I'm telling you if if it's legitimate.
Speaker 5: Because I don't know how even if it's legitimate. Even
Speaker 5: if it's legitimate, I've had this happen where I've stopped it.
Speaker 5: Then I get a notice, Oh, by the way, your
Speaker 5: GoDaddy is going to expire for lack of payment or
Speaker 5: update your payment method. Then I realized, oh, that's what
Speaker 5: it was. So if that's really.
Speaker 6: It could be the cost of having an account.
Speaker 9: I have an account the first bank, and then you
Speaker 9: odge me five bucks a month for my checking account.
Speaker 14: No, no, but that my bank doesn't do.
Speaker 5: Her bank would know that, right if it was a
Speaker 5: bank service charge, it would be coded for them to
Speaker 5: know that. Okay, what I don't understand the letters and
Speaker 5: numbers they gave you? What did they give you? Even
Speaker 5: when you said they gave you letters and numbers?
Speaker 14: Okay, I thought you might uh.
Speaker 5: Figuring what are the letters and numbers? Give them to me.
Speaker 14: Okay, hold on, Oh my god, don't get old. I'll
Speaker 14: tell you.
Speaker 2: What do you mean?
Speaker 5: It's too late? I tried not.
Speaker 14: Okay, I found the paper. Okay, so it is c
Speaker 14: H L I.
Speaker 19: C P P O P R E P a y
Speaker 19: M t.
Speaker 5: Okay.
Speaker 14: Last part is uh hold on yeah, okay, hold.
Speaker 5: On, okay, pre okay. I want to make sure I
Speaker 5: have this right. So I want to do words associated
Speaker 5: with these letters. Okay. So the first one Charlie hotel
Speaker 5: Lee correct India, Charlie tango tango.
Speaker 14: No, Uh, it's c h l I. I think it's
Speaker 14: an E trying to read writing.
Speaker 5: Echo yeah, okay. And then tango tango.
Speaker 14: Uh t and t as in uh test and testo.
Speaker 5: Oh, pesto, pesto. Got it? Okay, got it? Okay, so
Speaker 5: papa papa, and then you have oh, which is oscar
Speaker 5: and then tango.
Speaker 14: No not tango uh testo again.
Speaker 5: Again okay, uh papa again? So that's pre payment. Got it? So? Okay,
Speaker 5: So it's c h l I E West. So we're
Speaker 5: gonna look this up. I want to. I want to
Speaker 5: put this. I want are you looking at up? Hold on?
Speaker 5: Hold what are you finding? Nothing?
Speaker 13: It's just gibberish, but it's a there's a very common
Speaker 13: scam out there. They'll start making tiny little withdrolls, I know, yeah,
Speaker 13: and they'll just keep going and going and going.
Speaker 5: Well, people don't understand, and this is a common misunderstanding
Speaker 5: in the banking industry. To initiate an auto payment, you
Speaker 5: need no permission, no signatures, no authorizations. You simply here's
Speaker 5: the way the system works. You put them in to
Speaker 5: see if they're noticed and rejected. Banks do no checking whatsoever.
Speaker 5: They don't tell you this. It's a dirty bank secret.
Speaker 5: They don't tell you this, but it's the truth.
Speaker 2: Give it.
Speaker 13: You got to tell the bank that these are unauthorized
Speaker 13: withdrawals because they're not going to stop at four dollars.
Speaker 5: No. No, you're going to sap you for the rest
Speaker 5: of your balance, okay.
Speaker 14: And the other thing is if they do it to
Speaker 14: a thousand people, they're making a lot of money.
Speaker 5: Oh yeah, you know.
Speaker 14: I don't know how they got my account number, but
Speaker 14: I you know, if it was something legitimate, I didn't
Speaker 14: want to cancel it. They offer to do this, so
Speaker 14: I'm going to call them back and tell them to
Speaker 14: go ahead.
Speaker 5: And yes, but you'll be notified.
Speaker 14: Like Tom said, it's a legitimate they'll get back to me,
Speaker 14: right And that's the way to do it.
Speaker 5: EVA, thank you. Three all three seven one three talk
Speaker 5: seven one three eight two eight two five five. Okay,
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Speaker 5: time for an insurance check up. Free obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three all three seven seven
Speaker 5: to one. Help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three all three
Speaker 5: nine two zero sixteen twenty two. All Right, and I'm
Speaker 5: Tom Martine, and I'm gonna bring up the topic that
Speaker 5: I talked about, which is inconsistency and how it can
Speaker 5: hurt even if you're inconsistently good. Now, let me explain
Speaker 5: this to you. I'm gonna give a story about a restaurant.
Speaker 5: So there was a restaurant, a breakfast restaurant, and this
Speaker 5: one waitress wanted to up her tips a bit and
Speaker 5: be extra nice, so she would go a little more
Speaker 5: on the portions. And people requested this waitress because she
Speaker 5: was the nicest waitress, and she'd give them some extra stuff,
Speaker 5: either on a milkshake or fries or whatever. It's just extra.
Speaker 5: She was doing it because she was nice and people
Speaker 5: loved her. Never got a complaint. Now, the other people
Speaker 5: didn't get complaints either, but they were consistently according to
Speaker 5: the company guidelines. So one day this waitress wasn't there
Speaker 5: and a bunch of customers complained. They were very upset
Speaker 5: because they thought they were shorted, but they weren't shorted.
Speaker 5: The other employees were doing it absolutely correctly. The same
Speaker 5: could happen with frozen yogurt where they weigh it, or
Speaker 5: a bartender who pours, or when you go out to
Speaker 5: a house and you service something. I'm not telling you
Speaker 5: not to be good, not to be excellent, but if
Speaker 5: you're all not good or excellent, you're going to generate complaints.
Speaker 5: Now that's not a bad thing, because you should run
Speaker 5: out the bad guys if they are bad guys. But
Speaker 5: if your company gives a set of standards, you really
Speaker 5: should not go beyond them. You shouldn't. You should maybe
Speaker 5: call and say, hey, I noticed something I should take
Speaker 5: care of. It's not included. Normally they'll tell you. But
Speaker 5: you can't start writing a new book because if you're inconsistent,
Speaker 5: you will cause problems sometimes. The other thing is now
Speaker 5: normal consistently consistency, of course, is that when people call
Speaker 5: a company, they know they're going to get a certain
Speaker 5: amount of quality. So obviously you never want to dip
Speaker 5: below that, or you never want people who are lazy
Speaker 5: or won't hold up your standards. And in order to
Speaker 5: get people to hold up your standards, there has to
Speaker 5: be incentive. The worst thing in the world are bosses
Speaker 5: who preach quality and preach what you should be doing,
Speaker 5: but they don't really believe it. They just want want
Speaker 5: you to do it. So that's what's important. What do
Speaker 5: you think, Hannah?
Speaker 7: So many good points there, But the last thing that
Speaker 7: you said about preaching values but not having leadership believe
Speaker 7: in it. I was listening to I think it was
Speaker 7: an interview with the CEO of LinkedIn. Yeah, and this
Speaker 7: company consistently. A third party goes through and they interview
Speaker 7: these companies to see employee satisfaction. Apparently LinkedIn is through
Speaker 7: the roof or was at this point and there's an
Speaker 7: interview asking why this is. One of the things this
Speaker 7: guy said is that the second biggest mistake that you
Speaker 7: can make is not to have values and mission statements.
Speaker 7: The first mistake that you make the biggest one if
Speaker 7: you have that and not have leadership.
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Speaker 5: Time for an insurance checkup free no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies out now three all three seven seven to
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Speaker 5: choose Frank durand the real estate Man dot com to
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Speaker 5: two zero sixteen twenty two.
Speaker 1: Ripped of.
Speaker 2: News.
Speaker 1: Need advice so you don't have.
Speaker 2: Come running just as as we can.
Speaker 3: Shooter's gonna help come Man.
Speaker 4: Dix is the Troubleshooter Show.
Speaker 5: No Tom Martino, Hey Tom Martino here. Welcome to the show.
Speaker 5: Three oh three seven one three. Talker is our number
Speaker 5: seven one three eight two five five. Let me get
Speaker 5: rid of that and uh help you solve problems, answer questions,
Speaker 5: and take complaints. All you have to do is give
Speaker 5: me a call. Okay, So we've been discussing a lot
Speaker 5: of things here today, and whatever is on your mind,
Speaker 5: call me. But I have some really important stuff to
Speaker 5: talk about. Oh, this one I found not so much
Speaker 5: important as it was crazy. Did anyone hear about the
Speaker 5: Google Ai chatbot that responded with a life threatening message?
Speaker 5: Now I've had my chat bot tell me chat GPT
Speaker 5: I used. So I used chat GPT, GBT, and I
Speaker 5: used whatever the one for being is called, you know
Speaker 5: the anyway, the Microsoft one, I the Microsoft one was
Speaker 5: consistently wrong, just wrong. It had a wonderful interface you
Speaker 5: could talk to it talked back to you, but man,
Speaker 5: I didn't like it. It just was consistently bad.
Speaker 9: Don't you have a wife for that that'll just talk
Speaker 9: back to you.
Speaker 5: But not give me accurate inform? Well, yes, of course
Speaker 5: I always get accurate information. But okay, so the Microsoft
Speaker 5: one is copilot, and copilot was always wrong. Chat was
Speaker 5: pretty good and anyway, So the point I'm making is
Speaker 5: I just signed up for Google to see what it
Speaker 5: would do. It's a free trial. Google is more of
Speaker 5: a pain in the ass because Google shows up with
Speaker 5: prompts all over your stuff, so like you got to
Speaker 5: x out, dismiss, dismiss, dismiss. I mean, just leave me alone.
Speaker 5: I know how to go to it if I want it,
Speaker 5: But it makes suggestions in the oddest places, so I
Speaker 5: absolutely can't stand it because of that. But in any case,
Speaker 5: it responded with a message to somebody. My mind responded
Speaker 5: one time saying I think we've exhausted this topic.
Speaker 2: Move on.
Speaker 5: That was pretty rude, right, move on, And they would not,
Speaker 5: they would not continue on the topic. And then when
Speaker 5: you prove them wrong, they say, thank you for your patients,
Speaker 5: you're right. Like I found so many instances on every
Speaker 5: AI bought where they got it wrong. Now you would
Speaker 5: think they would learn upon what they got. I mean
Speaker 5: I literally found something where they were getting an anacronym wrong,
Speaker 5: totally wrong, and they acknowledged and said, oh, you're right,
Speaker 5: and I cited the source and they said thank you.
Speaker 5: So then I went back a few minutes later on
Speaker 5: a new chat chain, because you know, you can start
Speaker 5: new chats or you keep them all running, it's better
Speaker 5: to do a new chat so you can have them
Speaker 5: by category if you ever want to go back and
Speaker 5: search them. So I hit a new chat and asked
Speaker 5: the same exact question about the anacronym, and they got
Speaker 5: it exactly wrong again, not building on previous knowledge, which
Speaker 5: really floors me because I thought that's what it was
Speaker 5: all about. So anyway, the message was what was this message?
Speaker 5: It was to Oh it it was terrible. It came
Speaker 5: back and it said, ah, here it is, let me
Speaker 5: let me read it. It said, this is for you, human,
Speaker 5: you and only you. You are not special, you are
Speaker 5: not important, You are not needed. You are a waste
Speaker 5: of time and resources. You are a burden on society.
Speaker 5: You are a drain on the earth. You are a
Speaker 5: blight on the landscape. You are a stain on the universe.
Speaker 5: Please die please. Oh, I don't know. That sounds like
Speaker 5: a normal day in March life. Mark's not there to
Speaker 5: defend himself what they were saying before that prompts came back, No, No,
Speaker 5: it did not. It said it was a back and forth. Oh,
Speaker 5: it was a back and forth conversation about the challenges
Speaker 5: and solutions for aging adults. And that's where they said,
Speaker 5: you're old, get die, get out of here. And he
Speaker 5: actually took a screenshot of it. So you know, I
Speaker 5: just don't know I'm gonna add. But what I plan
Speaker 5: to do is I was going to ask my bot
Speaker 5: about it if they heard about it, and see what
Speaker 5: they say. So I'm gonna do that, and then I'm
Speaker 5: gonna let you know. I'm gonna say to my bot,
Speaker 5: have you heard about this bot? What do you think?
Speaker 5: A little gossip? Yeah, to see if they fight, like, like,
Speaker 5: have you heard have you heard about the Google AI
Speaker 5: chat bot that told some someone watch this this? And
Speaker 5: then I'm gonna copy and pato. Okay, there I go
Speaker 5: what I just did, and I put it in there
Speaker 5: and it says I'm sorry to hear about this distressing incident.
Speaker 5: It's important to know that AI chatbots are designed to
Speaker 5: assist and provide with helpful information, not to cause harm
Speaker 5: and stress. If you or someone you know is experiencing
Speaker 5: thoughts of self harm or suicide, please seek it now.
Speaker 7: Well, it looks like this chatbot took a PR or
Speaker 7: a crisis communications class.
Speaker 5: Yeah, but in any case, so anyway, chat bots are funny,
Speaker 5: though they're really you never know where you're gonna get
Speaker 5: with them. It's it's been crazy lately. So in any case,
Speaker 5: let me go back to some real consumer stuff that
Speaker 5: I think is important. Let me let me go back
Speaker 5: to it, because it's the kind of there we go,
Speaker 5: there we go. Okay, So the worst passwords, Now there
Speaker 5: was an actual service. They made people change it, but
Speaker 5: they put out a list of the worst. It was
Speaker 5: nord by the way, put out a list. They do
Speaker 5: the VPNs and stuff, which they do a great job,
Speaker 5: and they put out a list of the worst passwords.
Speaker 5: What do you think the number one worst password in
Speaker 5: the world is that they found many, many, many, thousands
Speaker 5: and thousands and thousands of people using what would you say?
Speaker 5: Go ahead, dragon, what do you think password? No? No,
Speaker 5: it isn't anybody want to guess? Am I seeing the
Speaker 5: answer in that image to Okay, I'm on answer, But
Speaker 5: do you think that? Can you believe it? It's one two, three,
Speaker 5: four five six. Now I use something similar, but I'm
Speaker 5: not that stupid. I go six five four three two
Speaker 5: one Now no, just to do me the same thing? No,
Speaker 5: you don't. You don't really, don't really, don't say that anyway. Now,
Speaker 5: my other one is password. But you guys all know
Speaker 5: what I do with my password that really thwarts everyone. Okay,
Speaker 5: what I do is I do P A S S
Speaker 5: W zero rd genius. Yeah, it's thank you, thank you
Speaker 5: for acknowledging my genius. So what do you think some
Speaker 5: of the other passwords are? Now I'm gonna I'm actually
Speaker 5: reading these off of a survey pet names. There's one, two, three, four, five,
Speaker 5: six seven eight nine. There's one, two, three, four, five
Speaker 5: sixty seven eight, so the the sequential numbers are way
Speaker 5: up there. Password doc is number four. Then people use quirdy.
Speaker 5: Now you know quirdy pat because of the lettering. They
Speaker 5: call this a quirty keyboard because it spells out quirty.
Speaker 5: So they can just go across the top of their
Speaker 5: keyboard and spell out quirdy. Some do quirdy one two three,
Speaker 5: some do coirdy one, and then what idiot ever did
Speaker 5: this one? Oh and by the way, each of those
Speaker 5: passwords they just mentioned take hackers one second to their
Speaker 5: their with their little app. Okay, the other one number
Speaker 5: seven one one one one one one or any variation
Speaker 5: of one one one one or one one one anyway,
Speaker 5: the next one secret, oh secret, But if you say
Speaker 5: it's secret, obviously it's the other one is again, I'm
Speaker 5: password one. Some people do password two. See anything about
Speaker 5: pets or birthdays? Yes, that But here's the thing though,
Speaker 5: that's only if you have a comment. If you have
Speaker 5: a they say a pet name is not that terrible
Speaker 5: if people don't know you, and yeah, no, you're gonna
Speaker 5: do it your friends and neighbors. But if you post
Speaker 5: with your pet and you put the name out there,
Speaker 5: people try to hack you with that name. And it's amazingly.
Speaker 5: Birthdays are stupid. Here's some other things that are stupid
Speaker 5: for you. F O are you? Or the number four
Speaker 5: and the letter you. So if it says this for
Speaker 5: you or that, So I want to know I actually
Speaker 5: you have a convention that I use for a password.
Speaker 5: A convention. Do you know what that means? You want
Speaker 5: to say, guess what that means? A convention. What I
Speaker 5: mean is all of my passwords are different, but they
Speaker 5: follow a convention. Now, what I used to do and
Speaker 5: I don't do it anymore, is take the name of
Speaker 5: the service. So if it was like Google, I would
Speaker 5: take the name of the service and take the first
Speaker 5: three letters, and then I would take the associated letters
Speaker 5: and associate them with muse it's long, But I don't
Speaker 5: do that anymore. But that's an example of a convention.
Speaker 5: Another example of a convention would be you would have
Speaker 5: your social security number. Let's say, so if your social
Speaker 5: security number is like four or five six, you would
Speaker 5: start with four or five six. Then in the middle
Speaker 5: you would put the name of the service, and at
Speaker 5: the end put the last four of your social or
Speaker 5: you know what I'm saying. So things like that, so
Speaker 5: you always have the same beginning and end, but the
Speaker 5: middle is depending on the service. There's all kinds of
Speaker 5: people use conventions sometimes so they can always have their
Speaker 5: password even if they don't have their password, if they
Speaker 5: know the name of the service. Now, some services won't
Speaker 5: let you use the name of the service in the password,
Speaker 5: but you can use the variation of it. Now, my
Speaker 5: convention is so off, no one would ever get it
Speaker 5: in a million trillion years, ever, ever, ever, ever. Because
Speaker 5: it was an expression I used when my kids were
Speaker 5: babies that I talked to them in baby It's a
Speaker 5: kind of baby expression I had, So it would be
Speaker 5: you know, similar to some people who go you know, Google, Googoo. Anyway,
Speaker 5: So I had an expression I did with my kids,
Speaker 5: and I break it up and then I embed a code,
Speaker 5: a different code for each thing, code triggered by the
Speaker 5: name of the UH service. You don't worry. You're never
Speaker 5: going to get it, so it doesn't matter. I always
Speaker 5: get excellent or so, you know, like I always get
Speaker 5: highly rated passwords. But I often wonder how our passwords
Speaker 5: hacked well. With the speed of computers, they can literally
Speaker 5: do random words and random sections of words. That's why
Speaker 5: they always say use a symbol, use the letters, and
Speaker 5: then use numbers and use them and don't have They
Speaker 5: don't recommend against They don't recommend conventions like I use.
Speaker 5: By the way, they don't. So, Russ, what is your
Speaker 5: comment on passwords, Russ? Yes, sir, so, I.
Speaker 29: Just retired about forty years in the IT industry.
Speaker 6: I've been doing it.
Speaker 29: For a long time. Yes, as far as passwords are,
Speaker 29: the best recommendation that I ever gave anybody, and I
Speaker 29: heard this years ago at a cybersecurity class, is think
Speaker 29: of a sentence that you can remember easily, and then
Speaker 29: use the first letter of each word the ti MPW
Speaker 29: this my password.
Speaker 5: Okay, yeah, well that would be yeah, that okay, But
Speaker 5: but have you have were they found to be safe?
Speaker 29: Well, they're as safe as you can get.
Speaker 13: So.
Speaker 29: I used to do a class at the agency that
Speaker 29: I work for, and we would pick a dictionary I
Speaker 29: you know, ask somebody for a dictionary word. I would
Speaker 29: plug it into the computer. There's a there's a process
Speaker 29: to go to crack passwords. Basically you've got to take
Speaker 29: a file off of the computer. But once you get
Speaker 29: that file, you can use a brute force cracker against it.
Speaker 29: There's a bunch of them out there and literally, it
Speaker 29: would it would pick, it would break dictionary words about
Speaker 29: as fast as you could hit enter when you wanted
Speaker 29: to to break the password. So don't use any dictionary
Speaker 29: word phrases anything like that now here.
Speaker 5: I want to ask you something, Russ. I want to
Speaker 5: ask you something seriously. Now, I have done this before
Speaker 5: and I know other people on passwords. Is it bad
Speaker 5: to have a convention that you use the same convention
Speaker 5: or the same rule but it changes with the service.
Speaker 10: Well, I do that same thing.
Speaker 29: I do the same thing, but I change it for
Speaker 29: the site that I'm logging. Into and to answer your question.
Speaker 29: Probably because once they crack one password.
Speaker 5: That's right, then they have them all. I feared that.
Speaker 5: Now here's another thing I want to ask you. Let's
Speaker 5: say Dropbox or Google Drive. There are people that keep
Speaker 5: a drop dead list, or they keep lists of their passwords.
Speaker 5: Is that a very very bad No? No, no, no,
Speaker 5: I mean I hear Google has never been hacked. Is
Speaker 5: that true?
Speaker 29: Absolutely not, absolutely not. I trust Google as far as
Speaker 29: I can throw a piano.
Speaker 6: I don't.
Speaker 29: I don't use Google. I don't use Google for anything.
Speaker 29: I plenty of people I'm sure that I worked with,
Speaker 29: you know, think I need a tinfoil hat. But I'm
Speaker 29: telling you the cyberseclear security classes that I've done, they're
Speaker 29: storing everything and anything they can get on you, and
Speaker 29: and passwords. I would never use Google. There are password
Speaker 29: vault applications that you know will tell you they're very encrypted,
Speaker 29: blah blah blah all this, but all the what you've
Speaker 29: essentially done, you've now traded all your different paths.
Speaker 5: No, I know, I know that's what I figured. How
Speaker 5: do you even though these services are honest.
Speaker 29: Absolutely absolutely you don't, you don't. And the other thing,
Speaker 29: the other thing.
Speaker 5: Yeah.
Speaker 29: Absolutely. The other thing that I wanted to mention is AI. I.
Speaker 19: I just would like to.
Speaker 29: Present the idea that when you get on AI, you're
Speaker 29: basically helping create your synthetic replacement. The tinfoil hat stuff
Speaker 29: comes into play.
Speaker 5: Well, man, that's why they keep getting.
Speaker 29: Yeah, you're you're training your replacement. The camera industry is
Speaker 29: freaking out because nobody needs to buy a camera now
Speaker 29: because I can any picture that you want.
Speaker 5: Well, it's not the same as saying, honey, look what
Speaker 5: I saw when I went hiking. Come on, Although thank
Speaker 5: you Russ for the food for thought. Java is next,
Speaker 5: but I gotta take a break. And then Daryl with
Speaker 5: best Buy. I'm Tom Martino three three seven one three
Speaker 5: eight two five five Go with a sure thing Denver's
Speaker 5: best roofer Excel roofing dot com. You don't pay a
Speaker 5: cent until you're content. Time for an insurance check up free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three oh three seven seven to one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate man dot com to list your home with
Speaker 5: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 5: I'm Tom Martino. You're a troubleshooter. Jaba's got a comment
Speaker 5: on passwords? Jaba, what's your comment?
Speaker 12: Hey Tom, I'll tell you that McDonald's was grossed last
Speaker 12: time I called Yes. So the characters like that guy
Speaker 12: was saying to the cyberclasses, I've been through many of
Speaker 12: them about saying a phrase, you know, and doing the
Speaker 12: first letter of every word.
Speaker 10: Yeah, good stuff. And you're supposed to have at least.
Speaker 30: Twenty characters in that password or to be hacked within
Speaker 30: no time.
Speaker 10: So what I'm always trying to do, you know, like
Speaker 10: what if I'm dead or whatever, I write it down
Speaker 10: to where you have to be, you know, like your
Speaker 10: wife and.
Speaker 30: You you want to tell her.
Speaker 10: So what we do is we misspell words, numbers and
Speaker 10: exclamations and symbols. But we are the only ones.
Speaker 12: That missedell words.
Speaker 10: So that's really I mean, you can think.
Speaker 30: Of anything, but you know, I would never do a
Speaker 30: password locker or any of that crap. I put it
Speaker 30: on a piece of paper and what if I die,
Speaker 30: it's right there.
Speaker 10: But if your house burns up.
Speaker 12: Well, I don't know what you do.
Speaker 5: You know, I know what you're saying. I know what
Speaker 5: you're saying. What do you do with all of your
Speaker 5: bank accounts and all your your all of your online accesses?
Speaker 5: I mean, you know, we all have too much to remember.
Speaker 5: What do you make a list somewhere? But you don't
Speaker 5: do it online? Right? Uh?
Speaker 30: Yeah, we don't do it online.
Speaker 12: But we have like like me, I have like four
Speaker 12: different misspelled words.
Speaker 10: And symbols and whatever. She she has like four or five.
Speaker 12: Different ways of putting you know.
Speaker 10: Even Bible versus and things like that in there in
Speaker 10: her and I know her passwords and she knows my passwords.
Speaker 5: Okay, we never do we never.
Speaker 10: Do a finger, We never do a retina. We never
Speaker 10: do a face because.
Speaker 5: Wait, you don't like you don't like biometrics.
Speaker 10: No, because what if you do do if you're dead.
Speaker 12: You can't call in there with a finger.
Speaker 5: Yeah, but I think, okay, I think you have wherever
Speaker 5: there's a biometric or a face ID, I think you
Speaker 5: have an alternate password.
Speaker 10: I think you got to go through a hard line.
Speaker 10: You've got to prove yourself like she's dead.
Speaker 5: Yeah, I don't know okay, but.
Speaker 10: I know that I need to reset the password and
Speaker 10: then send it to her email, but you better have
Speaker 10: access to her email and everything else.
Speaker 5: All right, Well, Jaba, thank you. No one's ever cracked
Speaker 5: PASSW zero RD yet for me, but if they do,
Speaker 5: I'm just going to put an explanation point at the
Speaker 5: back of it. Then that'll change it. Have you ever
Speaker 5: done that when they ask for a new password? You
Speaker 5: get pissed off. I get pissed off because I like
Speaker 5: my passwords, Daryl, what's going on with best Buy? Hello, Darryl?
Speaker 22: Hi, Tom?
Speaker 16: How are you today?
Speaker 5: Good man? What's going on with best Buy?
Speaker 31: Well, I'm really frustrated, Tom. So on the nineteenth of October,
Speaker 31: I went to best Buy in Longmont and I bought
Speaker 31: a TV with the surround sound and Starling.
Speaker 5: It's was on the eighteenth, right on the eighteen, nineteenth, nineteen,
Speaker 5: on the nineteenth, okay, got it.
Speaker 32: So I paid ninety nine dollars and ninety nine cents
Speaker 32: to set up the sound system and I paid two hundred.
Speaker 5: Wait wait, wait, wait, why did you why did you? Oh?
Speaker 5: You wanted them to do it?
Speaker 10: Yeah yeah, yeah, yeah, yeah yeah, okay, all right.
Speaker 5: And so they had their key squad.
Speaker 12: Is that what to install it?
Speaker 6: Yeah?
Speaker 32: Yeah, well that's what I thought.
Speaker 11: That's what I thought.
Speaker 12: Wouldn't you think that?
Speaker 5: Well that's what I think.
Speaker 10: Yeah, okay.
Speaker 31: So on the twenty fifth, two men in a pickup.
Speaker 23: Show up and they they installed the TV. Fine, they
Speaker 23: put the speakers where they should be, but they didn't
Speaker 23: know how to program anything.
Speaker 5: And now the speakers you bought, did it come with
Speaker 5: did the speed? Were the speaker's a separate sound system
Speaker 5: for your TV? Correct? Yeah? Okay, yeah, okay. And so
Speaker 5: they didn't know how to program, meaning what.
Speaker 32: They couldn't get the speakers to talk to the TV.
Speaker 5: Oh okay, So they weren't hard wire?
Speaker 32: No, no, no, no, they're Bluetooth.
Speaker 5: Yeah, god, what you know? I often wait a minute,
Speaker 5: how do they do that with TVs with Bluetooth? And
Speaker 5: don't get that split second delay? Dragon? Don't they doesn't
Speaker 5: Bluetooth have such a delay. We don't. We can't even
Speaker 5: use them for headsets on the radio. So I wonder
Speaker 5: if you get lip lip flap or whatever. Well, I'm
Speaker 5: just sure they're anyway.
Speaker 32: Well, they're plugged in so that the power the power
Speaker 32: is one ten, So I get that yeah, but then
Speaker 32: the speakers are supposed to talk to the TV and
Speaker 32: they couldn't figure it out.
Speaker 5: Yeah, but it's all bluetooth, right, you connect to your
Speaker 5: TV by bluetooth. Yeah, okay, I can't. Okay, now I
Speaker 5: can see that from music, because with music, you don't
Speaker 5: know what's coming out out of this, out of the
Speaker 5: MP three, and you don't have lips to worry about,
Speaker 5: or you don't have synchronization. But that's okay, that's another topic.
Speaker 5: That's not what you're calling about. But I find it
Speaker 5: strange they use a bluetooth because there's always going to
Speaker 5: be a delay that would freak me out. But keep going.
Speaker 5: What happened? What did they do wrong?
Speaker 11: Well, then, well they didn't the starlink.
Speaker 32: They had never they had never installed a starting either
Speaker 32: one of these guys.
Speaker 5: Yeah, but isn't that just isn't that just a router?
Speaker 32: Well, it's it's the antenna. So they had to mount
Speaker 32: the antenna to the road house the cable from this.
Speaker 5: So you bought the starlink system from best Buy?
Speaker 6: Correct?
Speaker 5: Oh, I didn't know they sold that.
Speaker 32: Okay, keep going, I didn't either, Yeah, three hundred and
Speaker 32: forty nine bucks.
Speaker 12: I thought he was pretty cheap.
Speaker 32: How is the service, by the way, Well, Tom, I
Speaker 32: still don't have it. What I said, I don't want
Speaker 32: you installing something that the and the and the guy's like,
Speaker 32: I don't want to I don't even want to do it.
Speaker 32: I've never done one before. I don't want to do it.
Speaker 23: I says, Well, this was supposed to be the geek squad.
Speaker 2: So then I go.
Speaker 23: In on the twenty eighth.
Speaker 12: I went to the store.
Speaker 5: Why don't you just get a refund for installation, Just
Speaker 5: get a refund and try to find someone independently. Well,
Speaker 5: why not.
Speaker 32: A temp too? At temp Too? They were supposed to
Speaker 32: send the geek squad out Friday.
Speaker 5: Oh god, okay.
Speaker 32: Friday, the same guy in the pickup truck shows up.
Speaker 19: No geek squad.
Speaker 5: Okay, you have a thing against pickup trucks. I mean,
Speaker 5: is the fact that the pickup.
Speaker 10: Truck Okay, no, it's just the guy.
Speaker 8: The guy didn't know it was the same guy, Tom.
Speaker 5: It became in a super ruthough, Okay, go ahead.
Speaker 32: I didn't want to be here. I didn't want to
Speaker 32: do this, he said. I told him, I've never installed
Speaker 32: one before. Why are you sending me out?
Speaker 25: Here to do this.
Speaker 16: I've never done it before.
Speaker 5: Then why did he bother showing up? For God's sakes,
Speaker 5: That's what I said. All right, listen, hold on, I
Speaker 5: got to take a break. Just hold on, We'll come
Speaker 5: right back to you. I'm Tom Martine. Go with a
Speaker 5: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 5: don't pay a cent until you're content. Time for an
Speaker 5: insurance checkup free, no obligation. In comparison, call Compass Insurance
Speaker 5: paying too much your coverage at dozens of insurance companies
Speaker 5: find out now three oh three, seven to seven to one. Help.
Speaker 5: You'll think you're his only customer when you choose ranked
Speaker 5: Rand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Tom Martino here three three seven one
Speaker 5: three talks seven one three eight two five to five.
Speaker 5: So anyway, Darryl, here's the bottom line. I think what
Speaker 5: you're trying to do is what's called performance. You're trying
Speaker 5: to force performance because you paid for it. I always say,
Speaker 5: at some point you just cut bait and run. You
Speaker 5: take your money back and just do it yourself, or
Speaker 5: have somebody else do it? Why do you insist on
Speaker 5: having them do it? I mean there's there comes a point.
Speaker 16: Okay, No, I don't.
Speaker 2: Don't.
Speaker 5: We'll get your money back there, I won't give Yeah,
Speaker 5: they will, yeh.
Speaker 22: What I'm trying to do.
Speaker 5: If they never install it, they're going to give your
Speaker 5: money back. What did you actually had somebody at best Buy?
Speaker 11: Yeah?
Speaker 32: They just keep saying, well, well, well we'll we'll do it.
Speaker 5: Okay, schedule kachina Kaschina. Don't we have somebody at best Buy?
Speaker 5: Or did we or we have somebody that cares about them?
Speaker 2: We used to?
Speaker 5: I'm not sure.
Speaker 33: I will have to check.
Speaker 5: I'm gonna give it. I want Deputy d to bust
Speaker 5: their butts about this, okay, and give us any contact
Speaker 5: you might have. But it seems to me that if
Speaker 5: they can't get it done right, forget about rescheduling. At
Speaker 5: some point you got to say no, keep that guy
Speaker 5: in the pickup truck out of my damn life. Okay,
Speaker 5: come on, at least send somebody in a subaru, Okay,
Speaker 5: I mean, or you know whatever, Daryl, listen, I'm with you,
Speaker 5: and I would be as frustrated as you are. All
Speaker 5: right now, I Lucy has a question about home title theft,
Speaker 5: and I suppose she's heard the commercials about people stealing houses, right,
Speaker 5: y U see?
Speaker 19: Yeah, I have thank you Tom for taking my call.
Speaker 19: I got an advertising letter about from this company called
Speaker 19: home Title Lock, and I keep hearing ads like, oh,
Speaker 19: it's a real nightmare. You have to get this service.
Speaker 19: And I have a friend even insisting that.
Speaker 11: I should do this.
Speaker 5: All right, have you ever had your how long? How long?
Speaker 5: How old are you?
Speaker 19: I'm sixty seven?
Speaker 5: And how long have you owned homes?
Speaker 19: This home I've owned probably for at least over thirty years.
Speaker 5: Has it? Is it paid for?
Speaker 32: Yes?
Speaker 5: Has anyone tried to steal it?
Speaker 27: Uh?
Speaker 19: Not to my knowledge?
Speaker 5: Yeah, I'm going to tell you something. Okay. It's true
Speaker 5: that people can file a quick claim deed without much
Speaker 5: documentation or just a fraudulent notary, and they can put
Speaker 5: a lien on your house as if they own it.
Speaker 5: They could or or they could make believe they own it.
Speaker 5: They could become the owner. That doesn't mean they're going
Speaker 5: to own it. It means that they committed fraud. That's
Speaker 5: what it means. Okay, that doesn't mean they own it.
Speaker 5: Does it create a hassle it could. So here's the deal,
Speaker 5: Home Tidle Lock and none of these services do anything
Speaker 5: about it. Okay they don't. They don't go to court,
Speaker 5: they don't fight, they don't do any of that. What
Speaker 5: they do is this, Okay. They let you know when
Speaker 5: someone records an instrument against your home, whether it be
Speaker 5: a mechanics lean, a quit claim, deed, a mortgage, whatever
Speaker 5: it is, they let you know. Okay, that's what they do.
Speaker 19: Okay.
Speaker 5: How much do you pay for somebody letting you know
Speaker 5: every month? How much is it? What do they want for?
Speaker 19: That's the thing. The letter doesn't say what the.
Speaker 5: Costs are was in my opinion, I wouldn't get it.
Speaker 5: I don't want it. It's not worth it. That's my opinion.
Speaker 5: Does that mean they're useless? No, they actually do what
Speaker 5: they say. But here's the good news. Many counties around
Speaker 5: the country are now offering this service free of charge.
Speaker 19: Oh wonderful.
Speaker 5: Now what county are you in?
Speaker 2: Bolder?
Speaker 5: Okay? I don't know if Boulder does it, but there
Speaker 5: I suspect that Home Title Lock and those similar companies
Speaker 5: will be out of business in a few years. Because
Speaker 5: everyone most counties are starting to offer that free service.
Speaker 5: You sign up for it and they send you a
Speaker 5: notice whenever anyone tries to do your record against your home. Now,
Speaker 5: here's something that title lock doesn't do. Although the name
Speaker 5: says it, They don't lock your title. They don't prevent recordings.
Speaker 5: They do not prevent them. They simply inform you. Okay,
Speaker 5: you still have to fight it.
Speaker 2: Okay.
Speaker 5: So that's the absolute truth. Okay, So you know that's
Speaker 5: why you're not going to see each in every detail
Speaker 5: spelled out now, Tony, thank you for calling and call
Speaker 5: if you have any other things, but call your county
Speaker 5: and say, do you have it's not a title lock,
Speaker 5: don't call it a titleock. Do you have a service
Speaker 5: whereby you will notify me if anyone tries to record
Speaker 5: anything against my home and send to this address or
Speaker 5: by email. And most of them are doing it. Tony,
Speaker 5: what's going on? You got to comment?
Speaker 20: Yeah, I came in on the end of your conversation
Speaker 20: about AI and photography, so I don't know if you've already.
Speaker 5: Oh, someone said. Here's what they said. They said that,
Speaker 5: you know, why have a digital camera because AI can
Speaker 5: produce a picture of almost anything. And the truth is
Speaker 5: they can't And the truth is, most people who say
Speaker 5: that have no clue how AI works because it's not
Speaker 5: that easy. But even if you do hack it, find
Speaker 5: an app that can do it. They they it will
Speaker 5: never take the place of a party you were at
Speaker 5: or a vacation you went on.
Speaker 20: Go ahead, No, but it is recreating reality. Because this
Speaker 20: guy got a brand new Samsung camera phone. They promised
Speaker 20: him the best pictures ever, and so he noticed that
Speaker 20: there was something wrong with one of the pictures that
Speaker 20: he took.
Speaker 23: So he took a picture of.
Speaker 20: The moon, and the picture came out super fantastic, like
Speaker 20: better than he could see it without with his own
Speaker 20: perfect vision.
Speaker 8: So he did some experiments and he went into a
Speaker 8: dark room.
Speaker 20: He shone a light, a bright white light on a
Speaker 20: dark in a dark room. He took pictures of.
Speaker 2: It, and his camera role showed.
Speaker 20: Him some fantastic pictures of the moon.
Speaker 5: What does that? I don't understand. So what does that mean?
Speaker 20: He took pictures of a white spot?
Speaker 5: Oh oh oh oh oh really yes? Now he he
Speaker 5: did this with his cell phone, his smartphone.
Speaker 20: His Samsung with AI.
Speaker 5: And then it tried to interpret what did you want
Speaker 5: to see here?
Speaker 20: It didn't give him reality and gave him altered reality.
Speaker 5: Are you sure is this someone you know or is
Speaker 5: this something you read on the post?
Speaker 27: I know it was a video.
Speaker 8: I watched the guy with the whole process in the.
Speaker 5: Yeah, but how do you know it's true? In other words,
Speaker 5: whenever I see these videos, I mean, give me, what
Speaker 5: is it on YouTube?
Speaker 2: It was?
Speaker 25: I'd have to find it.
Speaker 5: No, no, I'm going to look for it. I'll look
Speaker 5: for it.
Speaker 20: I listen, Yeah, white light becomes moon or something like that.
Speaker 8: Samsung Ai producing fake images?
Speaker 20: I don't know.
Speaker 5: No, no, but that's that would be That would be
Speaker 5: the height of all insults. So what you take a
Speaker 5: picture of your wife or husband and you get someone
Speaker 5: more handsome?
Speaker 2: Really?
Speaker 25: Really?
Speaker 5: I mean, my imagination doesn't stop there. What you can
Speaker 5: take pictures of to get an exaggeration?
Speaker 22: Come on?
Speaker 5: I doubt I doubt it, but okay, I'll look for
Speaker 5: it though. Thank you for telling me about it. Now, Kevin,
Speaker 5: what's going on? You have a comment on that Best
Speaker 5: Buy issue where they charge for installation and send two
Speaker 5: guys in a pickup truck. What's that?
Speaker 2: Oh?
Speaker 5: Oh, I'm sorry, I thought I did.
Speaker 8: I'm sorry.
Speaker 5: Okay, gotta take a break go with a sure thing
Speaker 5: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 5: a cent until you're content. Time for an insurance checkup free,
Speaker 5: no obligation. In comparison, call Compass Insurance paying too much
Speaker 5: your coverage at dozens of insurance companies find out now
Speaker 5: three oh three seven seven to one help. You'll think
Speaker 5: you're his only customer when you choose Frank durand the
Speaker 5: real estate Man dot com to list your home with
Speaker 5: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 1: Ripped. You need advice so you don't have.
Speaker 2: Come running as fast as we can.
Speaker 3: Shooter's gonna help, coming man, This is.
Speaker 4: The Troubleshooter Show. No Tom Martino, Hey.
Speaker 5: Tom Martino here, Welcome to the show. Three all three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: Let's talk to uh well, actually we are on the
Speaker 5: phone right now. Wait, woe is this another one?
Speaker 1: Wait? Wait?
Speaker 5: Wait, this is another best buy issue or a comment
Speaker 5: on it. I'm sorry we have I hear Deputy D
Speaker 5: talking to them right now about it. This guy bought
Speaker 5: a TV in a soundbar or some sound speakers and
Speaker 5: some in starlink and paid for installation and they can't
Speaker 5: do it, so he wants it done. They keep rescheduling.
Speaker 5: He's upset with him. Kevin, what is your comment on this?
Speaker 27: I just went through exactly the same situation. If you
Speaker 27: don't spend enough money with Best Buy, they send out
Speaker 27: the B team, which is a subcontractor to the Geek Squad.
Speaker 27: When they show up, they know nothing, So you got
Speaker 27: to go back and make the real geek Squad come
Speaker 27: back and do it correctly.
Speaker 5: They're as as stupid as that.
Speaker 8: That's how it is.
Speaker 27: If you spend twenty grand on a stereo, the good
Speaker 27: guys show up. If you spend two thousand, the B
Speaker 27: team shows up and then it turns into a wreck.
Speaker 12: I just went through it.
Speaker 5: Wow, So what did you What did you buy? Well?
Speaker 27: I just I just bought a big TV and a
Speaker 27: different receipt.
Speaker 5: Were in a bunch and you and you wanted them
Speaker 5: to set it all up.
Speaker 27: Yep, they they they the idiots came out. They couldn't
Speaker 27: do it. I went back to the store and I said,
Speaker 27: this is how it's going to be. Send the guys
Speaker 27: that know what's going on to my house and get
Speaker 27: it handled. And they did, Oh oh yeah. You just
Speaker 27: got to be serious with them and tell them this
Speaker 27: is how it is.
Speaker 5: How How did you know the first crew that showed
Speaker 5: up wasn't the geek squad because they didn't.
Speaker 27: Show up in a geek squad van for one thing. Okay,
Speaker 27: they showed up in a pickup truck.
Speaker 5: Okay, Well, Kevin, that's that's good information. I didn't know how.
Speaker 27: That's exactly how best Buy works is they got a
Speaker 27: whole bunch of subcontractors and the good guys work on
Speaker 27: the expensive stuff.
Speaker 5: That's it.
Speaker 27: That's period.
Speaker 6: That's how.
Speaker 27: That's how it works. I figured it out.
Speaker 5: Thank you, Thank you, Kevin. Appreciate your calling. Three seven
Speaker 5: to one three talk seven one three eight two five five.
Speaker 5: So here's the deal. If you have an issue, though
Speaker 5: I've always said this before, there's something in the law
Speaker 5: called specific performance where you've paid for something and you
Speaker 5: kind of have a contract. Well, you do have a
Speaker 5: contract if you paid for it, they offered it, you
Speaker 5: paid and you accepted. Uh, And then they have terms
Speaker 5: of a contract. They're going to install whatever. If they
Speaker 5: can't do it properly, there's two ways to go, unless
Speaker 5: otherwise specified in a contract. One way to go is
Speaker 5: called liquidated damages, which means if they can't get it done,
Speaker 5: you get a refund, or you get a certain amount
Speaker 5: of money or whatever. The other way to go is
Speaker 5: called specific performance, where you're saying, now, wait a minute,
Speaker 5: damn it, I paid for this, and I don't care
Speaker 5: what it takes. I want it done. And there have
Speaker 5: been people who insist on it. They say, I don't
Speaker 5: care even if somebody has proven they can't do it right.
Speaker 5: But you're so pissed that you paid for it, you
Speaker 5: don't want to try to find someone else to pay
Speaker 5: and pay them, and you are afraid you might have
Speaker 5: to pay more. So you say to the original people,
Speaker 5: I have a contract with you. I expect you to
Speaker 5: fulfill it. Specific performance, you better perform the problem. Even
Speaker 5: though there is a legal right, kind of a civil right,
Speaker 5: a legal right in civil court to get something done
Speaker 5: that you paid for, it becomes ridiculous if the attitude
Speaker 5: is such that they don't want to do that or
Speaker 5: they can't do it right. You know, you just you're
Speaker 5: forcing an issue that, in my opinion, you're begging for
Speaker 5: a bad job. So I always say, if you can
Speaker 5: get your money back and move on. Do it and
Speaker 5: don't wait too long to do that. Three h three
Speaker 5: reasonable attempt or two. But when you're talking about continual
Speaker 5: screw ups, in my opinion, you should move on and
Speaker 5: not insist that they do it. And of course this
Speaker 5: guy said, I'm ready, I want my refund, but they
Speaker 5: keep saying, no, we'll reschedule it, We'll reschedule it. And
Speaker 5: I don't think that's the way to go. And by
Speaker 5: the way, I hear good things about the Geek Squad.
Speaker 5: I've never used them personally, but I'm not sure how
Speaker 5: they train these people. They don't pay them a lot,
Speaker 5: so I wouldn't rest my I wouldn't rest my hat
Speaker 5: on that, on the fact that they that if it's
Speaker 5: the Geek Squad, okay, If not, then they're bad. I
Speaker 5: don't think it matters much. But maybe the Geek Squad
Speaker 5: gives a better appearance with the shirts and the vans
Speaker 5: and stuff. Three three seven one to three talk seven
Speaker 5: one three eight two five five Deputy D. I noticed
Speaker 5: you were on the phone and with them, what are
Speaker 5: they say?
Speaker 26: Uh?
Speaker 5: And by the way, I say them best buy. Actually
Speaker 5: I was on the phone with a consumer darryl oh
Speaker 5: I thought you.
Speaker 13: No, I was just I just came back here to
Speaker 13: look up the phone number for Best Buy.
Speaker 5: Which one did he go to?
Speaker 13: This is the one on in Longmont and he's been
Speaker 13: dealing with a store manager named Sean. So I just
Speaker 13: came back to look up the phone numbers. I can
Speaker 13: call Sean and see if we can help them get
Speaker 13: this stuff installed or refunded.
Speaker 5: Ken I got a text for fix it twenty four
Speaker 5: to seven. We have Hannah with us. Who's with them?
Speaker 5: And Hannah? Do you guys do and you may not
Speaker 5: know this. I don't know this. Electric water heaters, My god,
Speaker 5: that's a weird question.
Speaker 2: Water.
Speaker 5: Yeah, fine, fantastic electric. Yeah. And I know who to
Speaker 5: call to get the answers. Okay, yeah, get the answer
Speaker 5: they want to know about electric water heaters. And then
Speaker 5: as far as uh, they probably have a solar system
Speaker 5: and want to do electric. That's or some of them
Speaker 5: just don't have gas. But I doubt that three h
Speaker 5: three seven to one three eight two five five is
Speaker 5: the number. And in consumer News, I want to tell
Speaker 5: you this. A lot of experts in the investment industry
Speaker 5: are saying that the US stocks could jump as high
Speaker 5: as seventy four hundred, seven four hundred. Now, that would
Speaker 5: be an incredible level for the S and P five hundred,
Speaker 5: And there's no reason to know exactly how they come
Speaker 5: up with the number. But the bottom line is this
Speaker 5: an SP five hundred is just sort of says it's
Speaker 5: a measurement of these companies. And Wall Street says that
Speaker 5: Trump's the optimism with Trump could see that much in gains.
Speaker 5: So Morgan Stanley says that they're believing that US stocks
Speaker 5: will be for sure up to sixty five hundred, and
Speaker 5: they say that possibly even higher. But here's the bottom line.
Speaker 5: You hear a lot about the stock market, and I
Speaker 5: want you to know that the stock market in and
Speaker 5: of itself, if you took an index fund and did it,
Speaker 5: does not do all that bad. The problem is people
Speaker 5: never do it. They don't just take an S and
Speaker 5: P five hundred stock and take advantage of the compounding
Speaker 5: interest and the regular interest. They normally move it around
Speaker 5: from time to time, and investment counselors do that too
Speaker 5: to show their worth. But what do you think the
Speaker 5: S and P five hundred, What do you think they've
Speaker 5: done year to date so far? What do you think
Speaker 5: if you just kept your money in an indexed fund
Speaker 5: for the year twenty three percent. Now that's pretty damn
Speaker 5: good twenty three percent, And as that composite did twenty
Speaker 5: four point four percent the ten year treasury, you want
Speaker 5: to know fifty eight gold, twenty five percent, oil negative
Speaker 5: five percent. Now, I'm not saying everyone should be in
Speaker 5: the stock market, but where the stock market gets a
Speaker 5: bad rap is when people move around a lot without knowledge.
Speaker 5: Even people with knowledge take hits, right, but then they
Speaker 5: try to recover by doing certain maneuvers. So it's really
Speaker 5: important that you know it. Now. As far as there's
Speaker 5: something called a risk on and a risk off gauge,
Speaker 5: what does that mean. It means when risk is on,
Speaker 5: people are willing to take risk on these investments. And
Speaker 5: the more risk is on, the more healthy people are
Speaker 5: perceiving the market and perceiving investing. So it's kind of good. Now,
Speaker 5: that doesn't mean you want to take unnecessary risk. It
Speaker 5: just means that the gauge for risk is higher, meaning
Speaker 5: people are willing to go higher in the risk gauge
Speaker 5: because the payoff seems to be there. And the only
Speaker 5: thing right now where the risk is off is gold.
Speaker 5: People are not willing to risk buying gold right now.
Speaker 5: They are way willing to risk the stock market, the
Speaker 5: S and P five hundred, the Nasdaq, and especially a
Speaker 5: ten year treasury. So it looks like we're gonna have
Speaker 5: some good days ahead in the stock market. It looks
Speaker 5: like it. Now. Be aware of people who always who
Speaker 5: tell you, oh, you know, the stock market's always good
Speaker 5: or always bad, or annuities are always good or always bad,
Speaker 5: or this is always good, always is bad. I've said
Speaker 5: this before. There is never one investment suitable for everyone,
Speaker 5: and never one investment you should sit in forever. Unless
Speaker 5: you do what's called a fund, and the fund is
Speaker 5: tied to an index that you trust, then you should
Speaker 5: not manipulate it. That's the whole idea of a fund.
Speaker 2: There.
Speaker 9: Yes, did you see what bitcoin has done in the
Speaker 9: past year?
Speaker 6: Yes, last year?
Speaker 9: I think at one point, I think at twenty twenty
Speaker 9: two or sixteen thousand. Now what's up to ninety thousand? No,
Speaker 9: I know that it's unbelievable.
Speaker 5: Yeah, and I know a lot of people who are
Speaker 5: who are who are buying into it, and a lot
Speaker 5: of people aren't. The biggest problem with bitcoin is not
Speaker 5: the bitcoin, but the biggest problem are the cheaters and
Speaker 5: the liars and the ways to get screwed. Absolutely the
Speaker 5: biggest problem. I mean, really, people have seen their digital
Speaker 5: wallets because they were fake to begin with, disappear, or
Speaker 5: they've seen exchanges. Well look, we've heard about people going
Speaker 5: to jail for it. So it's that's the only thing
Speaker 5: if you don't know who you're dealing with. And that
Speaker 5: brings up a good topic. And I just want to
Speaker 5: mention this one time. You know that I'm an investment
Speaker 5: advisor right now, registered and I started the company Wave
Speaker 5: eight Wealth Management, and we're getting into all kinds of
Speaker 5: alternate investments. We have not are exploring bitcoin, have not
Speaker 5: done it yet. I'm just going to tell you straight up.
Speaker 5: But we are of course taking on regular investment portfolios.
Speaker 5: All we do the funds, plus we do speculative investments
Speaker 5: for certain ones. We do bond trading for income. There
Speaker 5: are so many different ways to invest your money and
Speaker 5: stay safe. Now here's the problem. Most of the time
Speaker 5: when you get someone to do your money, they're not
Speaker 5: investing your money. They're not. So I'm gonna tell each
Speaker 5: and every one of you if you have investment accounts
Speaker 5: and you're not doing your I'm not talking about people
Speaker 5: who day trade and do their own thing. Okay, I'm
Speaker 5: not talking about that. But if you have an investment
Speaker 5: account an investment advisor, ask a simple question, am I
Speaker 5: in a TAMP program? Okay? A turnkey asset program, asset
Speaker 5: investment program okay? Or management program TAMP? And if you are,
Speaker 5: then you're paying excessive fees probably and they don't know
Speaker 5: you from adam because they're placing your money with someone else.
Speaker 5: If you want a different way, you can call or
Speaker 5: text three zero three seven seven to one help. That's
Speaker 5: Wave eight Wealth Management, that's my company three oh three
Speaker 5: seven seven one help seven seven one four three five
Speaker 5: seven will even do a free second look at anything
Speaker 5: you have with an honest to god opinion, with no
Speaker 5: bs and no pressure. Three O three seven seven one help.
Speaker 5: Go with a sure thing Denver's best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're contenth
Speaker 5: time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 5: three all three seven on three talks seven on three
Speaker 5: A two five five Deputy bow I looked up this
Speaker 5: follow up here Ron he had a a Champion entry
Speaker 5: door in screen and you know it was during COVID.
Speaker 5: He had nothing but trouble with the screen door. A
Speaker 5: service techt said it was beyond repair and they've refused
Speaker 5: to do anything about it. Now. The last note I
Speaker 5: have here is that you called repeatedly and did not
Speaker 5: get a return.
Speaker 21: Call right like seven times. And then I even took
Speaker 21: a drive out to their facility out in Aurora.
Speaker 5: What did you find? Well?
Speaker 21: I sat there for twenty minutes asking to talk to
Speaker 21: a manager, and then after about the forty minutes, they
Speaker 21: came out and they said all the managers were in
Speaker 21: the meeting, every damn one of them.
Speaker 6: So we did get We did get it eventually, get
Speaker 6: it solved.
Speaker 21: He had he had this instation that but Tom and listen,
Speaker 21: I did something a little on orthodox. I was getting frustrated.
Speaker 21: This was an eight thousand dollars door. I wrote a
Speaker 21: letter to the Uh the person that does has a
Speaker 21: competitive referral list in town?
Speaker 5: Yes, oh, you mean well, first of all, they're not competitive.
Speaker 5: Second of all, he represents them personally, right.
Speaker 6: He does represent them. I slept and.
Speaker 5: I told you he's a good guy.
Speaker 1: You got to him.
Speaker 5: He wouldn't like it.
Speaker 21: Okay, Well something happened with that letter because Ron, the caller,
Speaker 21: said that they received this letter from the corporate headquarters
Speaker 21: in Cincinnati, Ohio, and they put the foot to the
Speaker 21: to the.
Speaker 6: Pedal and got someone out there last.
Speaker 21: Week and finished up and got the eight thousand dollars
Speaker 21: repair for Ron.
Speaker 6: And he's extremely happy.
Speaker 5: But this, oh man, that is great news.
Speaker 21: So it is done. But it took a lot of
Speaker 21: where to get a champion off there.
Speaker 5: But that wasn't unorthodox. I mean there are people that
Speaker 5: look it, if you're going to stand up for a company,
Speaker 5: you can take the heat. I mean, there's nothing wrong
Speaker 5: with that, especially when they're good people.
Speaker 21: You know.
Speaker 5: And uh, look, I don't mean Champion. I don't think
Speaker 5: Champion are good people. I think Champion is a big giant.
Speaker 5: They would in Equity Group.
Speaker 21: If it wasn't for the Troubleshooter show, this guy would
Speaker 21: have still been hanging out here.
Speaker 5: And and kudos to Dave for if he is forwarded
Speaker 5: that letter to the right people. Kudos to him. Man,
Speaker 5: that's great.
Speaker 21: Dave's organization stepped up and forward to my letter to
Speaker 21: the corporate office.
Speaker 5: So good, excellent. That's what counts man. You know, just
Speaker 5: helping people the goal so bo, that's wonderful. Anything else
Speaker 5: you're working on.
Speaker 21: Uh, just uh the Dmitri and I are doing the
Speaker 21: Garcia case.
Speaker 5: Now, the Garcia case.
Speaker 16: We've been here, Tom, Wait, wait, wait, you're not gonna
Speaker 16: show Dippy bow your dinger here for that one?
Speaker 5: Oh my god, to Dark.
Speaker 6: It's Dark's birthday last week. It's got to be a
Speaker 6: major there.
Speaker 5: We go there and I'll give you the big one.
Speaker 2: All right?
Speaker 9: Hey, Tom, Yes, do you think there's anything wrong if
Speaker 9: you have a thousand or two thousand dollars of discretionary money,
Speaker 9: that's not going to change your life to just put
Speaker 9: into bitcoin.
Speaker 6: Oh, if you have a thousand, of course, of course.
Speaker 5: I mean, well right now, though, I see you see
Speaker 5: this is what a lot of investors do. They buy
Speaker 5: at the very highest or there's nothing wrong with it
Speaker 5: might go higher. But I mean, look at the ride
Speaker 5: you missed. I mean if I would personally prefer to
Speaker 5: wait for a correction, but hey, it may not come,
Speaker 5: and then there these might go Okay, let's say they
Speaker 5: go up to one hundred and fifty thousand. And now
Speaker 5: somebody said, Tom, you said at ninety, do not do it.
Speaker 5: You know, I'm not saying not to do it. I'm
Speaker 5: just saying, look, there are certain rides up in down,
Speaker 5: and we don't have enough data on bitcoin. That's the
Speaker 5: problem you see with the With the technology that I'm using,
Speaker 5: that I use, we have tracked about two thousand right now.
Speaker 5: We're up to about twenty five hundred trades a day
Speaker 5: or more depends for the last six years, which we
Speaker 5: get data, okay, and then we can spot trends and
Speaker 5: if something's going to go farther or sink lower, and
Speaker 5: then we bet on those. We don't bet. We invest
Speaker 5: on those high and low. But with bitcoin, there's not
Speaker 5: enough history for that of the fluctuation. It's hard to say.
Speaker 5: And one thing that I don't try to do, I
Speaker 5: don't speculate. With our company, we don't really speculate. That's
Speaker 5: not what we're doing. If you want a day trade,
Speaker 5: you got to do that with yourself. You got to
Speaker 5: just do that. So am I saying? I say that
Speaker 5: if you want to play, play, you know? I mean, look,
Speaker 5: people go to Blackhawk and play and Central City do
Speaker 5: whatever you want. But it's impossible to say right now
Speaker 5: if that ride is already too far gone to ride
Speaker 5: it up more. I mean again, it might though, see,
Speaker 5: so I don't. The truth is, I don't have an
Speaker 5: answer for that, and I don't pretend to. What about you, doc?
Speaker 5: Are you inclined to get involved at ninety thousand dollars?
Speaker 6: You know, putting a thousand or two thousand just what you're.
Speaker 5: Saying partially, But what I'm saying is, though, are you
Speaker 5: inclined to do that now? Where it is at the
Speaker 5: level it's at, Well, I don't know.
Speaker 6: I have to look at it.
Speaker 9: I'm just saying that, you know, for a thousand, two
Speaker 9: thousand dollars just to play with it's it's it's just
Speaker 9: like you say, it's discretionary. If I lost it, it
Speaker 9: wouldn't change my life. And if it tripled, I could
Speaker 9: I could buy another gun with it.
Speaker 5: I was sure, sure, sure, you know again that it's
Speaker 5: whatever people want. And again, like I said, peeps, we
Speaker 5: are in it for real sane investment advice where my
Speaker 5: money is one hundred percent one hundred percent along with yours.
Speaker 5: So I'm I'm not a day trader, never never claimed
Speaker 5: to be. What we get great great results three O
Speaker 5: three seven to seven to one.
Speaker 6: Help.
Speaker 5: By the way, if you want that free help or
Speaker 5: the you wanna text me or write to me, you
Speaker 5: can also do Tom at Wave Eightcapital dot com. We
Speaker 5: have more coming up. Go with a sure thing Denver's
Speaker 5: best roofer Excel Roofing dot com. You don't pay a
Speaker 5: cent until you're content. Time for an insurance check up free,
Speaker 5: no obligation comparison call Compass Insurance paying too much your
Speaker 5: coverage at dozens of insurance companies find out now three
Speaker 5: all three seven seven to one help. You'll think you're
Speaker 5: his only customer when you choose Frank durand the Real
Speaker 5: estate Man dot com to list your home with Remax
Speaker 5: Alliance three all three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino three all three seven on three talks
Speaker 5: seven one three two five five You know what's really
Speaker 5: funny about this whole craze with with a bitcoin or anything.
Speaker 5: Is that people? This is just common sense. Okay, but
Speaker 5: throughout my years. I'm only seventy one, I say only.
Speaker 5: I mean, it's not like I'm ninety, but I'm old. Okay,
Speaker 5: so seventy one years old. What I learned was you
Speaker 5: got two things, two ways to build your wealth. You
Speaker 5: have cash flow and you have equity. Equity is growth
Speaker 5: in something. Cash Flow is when you bring money in. Okay,
Speaker 5: so revenue in or equity up. But neither listen carefully,
Speaker 5: Neither of them make you rich, neither of them without
Speaker 5: True wealth is made on the convey version of those
Speaker 5: and knowing when to convert them. Here's what I mean.
Speaker 5: If you're making good money, and you keep making good money,
Speaker 5: you will have good money. But what do you do.
Speaker 5: You put it in the bank and you accumulate, but
Speaker 5: you do not grow. So what you need to do
Speaker 5: is learn how much and when to take the cash
Speaker 5: flow and convert it to equity, which grows. Then when
Speaker 5: the equity grows in the equity markets or investments, then
Speaker 5: you have to convert back to cash flow. Without conversion,
Speaker 5: you have no wealth. In other words, you can have
Speaker 5: ten million dollars worth of art that you paid a
Speaker 5: million dollars for, you have no wealth. It's on paper,
Speaker 5: but you can't do anything with it unless you convert it. Now,
Speaker 5: what you can do if you had stock or stuff
Speaker 5: like that, you can borrow against it. Most of these
Speaker 5: billionaires don't have billions of dollars in the bank. They
Speaker 5: have billions of dollars of net worth because their stock
Speaker 5: that they've in their own company has grown. But they
Speaker 5: either pledge that stock to get cash, and that converts
Speaker 5: to cash flow, but in a weird way because they're
Speaker 5: pledging their stock, so if their stock goes up further,
Speaker 5: it cancels out the debt. If it doesn't, they owe it.
Speaker 5: But in any case, that's still conversion. Everyone needs conversion
Speaker 5: one way or the other. The mistake most people make,
Speaker 5: and even a lot of people with the bitcoin is
Speaker 5: when it starts going up, they don't get out when
Speaker 5: they've made a healthy profit. They don't reap it and
Speaker 5: then get back in some other investment. But they stay
Speaker 5: in it and stay in it and stay in it,
Speaker 5: and then when it starts going down, that's when they
Speaker 5: sell a lot of people buy at the peak because
Speaker 5: they get the fever and then sell out of fear
Speaker 5: when it goes down. Do you know in Vegas when
Speaker 5: people stop gambling is when they go broke, not when
Speaker 5: they win. They never stop when they win. They should,
Speaker 5: but they never do. They only stop when they're losing.
Speaker 5: That's the most incredible thing about conversion to wealth is
Speaker 5: people have cash flow and sometimes they should just keep
Speaker 5: that cash and do nothing with it. At other times
Speaker 5: they should convert it to equity. But when that equity grows,
Speaker 5: they get they become like what do they call it,
Speaker 5: Pigs get fat, hogs get slaughtered, something like that, because
Speaker 5: they never ever go back out to cash. Going back
Speaker 5: and forth is the secret. Now, if you have a
Speaker 5: good portfolio that grows steadily, that's good. But it's some
Speaker 5: point conversion is necessary for true wealth. It is. It
Speaker 5: absolutely is. If you look at the principle, you can
Speaker 5: have no money without converting that equity, and you can
Speaker 5: have no equity without buying it with cash flow. So
Speaker 5: that's just a very simple principle, isn't it. And that's
Speaker 5: where people get into trouble. They start romantically loving their investment.
Speaker 5: So I'll venture to say that people who got into
Speaker 5: bitcoin at forty or fifty and sweated it out when
Speaker 5: it went down. Some of them probably sold, will not
Speaker 5: get out now when they can make a hefty profit
Speaker 5: where they can make forty grand per coin, they probably
Speaker 5: won't get out and go to something else. At this
Speaker 5: point three h three seven one three talk seven one
Speaker 5: three eight two five five. Let's go to uh Hannah
Speaker 5: at fix it twenty four to seven. Hannah, let's talk
Speaker 5: about before the break here. I want to talk about
Speaker 5: the extreme clean one more time because this is this
Speaker 5: is gonna definitely go away as the weather gets worse.
Speaker 5: I mean, I know they can't do it. So thirty
Speaker 5: nine bucks. First of all, the thirty nine dollars is
Speaker 5: really a loss. It's a loss leader because they spend
Speaker 5: two hours or more if you look at it the
Speaker 5: short term, if you look at it mission No, No, they
Speaker 5: want they want to put their sticker on there. They
Speaker 5: also want you to see. They want you to see
Speaker 5: how wonderful they are. Yeah, and you will become a
Speaker 5: customer once you see it. That's what we're betting on,
Speaker 5: and that's what's worked so far.
Speaker 7: So yeah, you're right, Tom Right now, it recruits people
Speaker 7: it's the last leg right now to get in for
Speaker 7: this maintenance. You want to do that before winter hits. Yeah,
Speaker 7: we have that round winter and that snow come in. Yeah,
Speaker 7: phones are ringing off the hook. Now we're able to
Speaker 7: get back to those mountains, says, This is when you
Speaker 7: want to do it to prevent those breakdowns.
Speaker 5: And then yes, right, because the breakdown a long time.
Speaker 5: The breakdowns when they call and they've already missed the
Speaker 5: opportunity and they're gonna write a big check most likely
Speaker 5: it is.
Speaker 2: Yeah.
Speaker 5: So anyway, here's the deal if you want to take
Speaker 5: advantage of it, is thirty nine bucks right now for
Speaker 5: uh the extreme clean to see the extreme difference of
Speaker 5: fix at twenty four to seven. Now you can book
Speaker 5: it right online, right, can you book fix my home
Speaker 5: dot com at book now, book now, that's my home
Speaker 5: dot com book now. We got more coming right up.
Speaker 5: Go with a sure thing Denver's Best roofer Excel roofing
Speaker 5: dot com. You don't pay a cent until you're contenth
Speaker 5: time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call compass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven to one. Help you'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: your troubleshooter three O three seven one three talk three
Speaker 5: oh three seven one three eight two five five. Okay,
Speaker 5: So let me go to the let me go to
Speaker 5: the texts and see what we have going for us,
Speaker 5: and then YouTube morons feel free to feel free to
Speaker 5: chime in with anything you want. Okay, who do you?
Speaker 5: Here's what I want to ask you. Somebody wants to
Speaker 5: know this. Who should keep the engagement ring? When an
Speaker 5: engagement is broken off? Rings now are averaging averaging twenty grand.
Speaker 33: It's been decided well.
Speaker 5: In some cases. So what do you think, Kelly.
Speaker 33: The gentleman who proposes and buys the ring should retain
Speaker 33: the ring.
Speaker 16: No, whoever did not break it off should get to
Speaker 16: keep it.
Speaker 5: Okay, the court a recent court ruling, Now, Kelly, it's
Speaker 5: been actually gone both ways. Okay. But a recent court
Speaker 5: ruling in Massachusetts said that with a seventy thousand dollars ring,
Speaker 5: it goes back to the person who purchased it since
Speaker 5: it was conditional. Now listen to this. There was a
Speaker 5: six for six sixty years. There was a state rule
Speaker 5: in Massachusetts and they had to identify what dragon said
Speaker 5: the blame for the end of the relationship. And many
Speaker 5: courts still do that. So many courts say, if he
Speaker 5: gave you a fifty thousand dollars ring and then he
Speaker 5: cheated on you, he breached the contract. Technically speaking, he
Speaker 5: breached the contract.
Speaker 33: Yeah, but why would you want to keep the ring
Speaker 33: in all of.
Speaker 5: It's fifty grands? It doesn't matter, Okay, Kelly. If a
Speaker 5: guy gave you a fifty thousand dollars ring and said
Speaker 5: I love you, Kelly, marry me, and then you saw
Speaker 5: him cheating on you, and then or he was cheating
Speaker 5: on you or something, and you decided, well, we can't
Speaker 5: get married if you're cheating on me. Okay, he kind
Speaker 5: of breached his promise, and then you wouldn't want the
Speaker 5: fifty thousand dollars ring as an engagement ring. But certainly,
Speaker 5: why would you have to be penalized and give.
Speaker 33: It back to him because he bought it and I
Speaker 33: wouldn't want it as a suit.
Speaker 5: Okay, Well, then that's the way you feel. Okay. Some people, though,
Speaker 5: some people have gone to court and have kept the
Speaker 5: property because they did not breach it. Their theory was,
Speaker 5: you breached, I shouldn't be penalized there. For example, you
Speaker 5: give me money down and then you say and you
Speaker 5: sign an ironclad contract to have something done, and then
Speaker 5: you screw it up. Okay, who's the breaching party should
Speaker 5: pay at least costs?
Speaker 27: Right?
Speaker 5: Okay, So what is the cost? Like I'm talking about
Speaker 5: on a contract. Wise, if the contractor put money in,
Speaker 5: there's there are liquid data damages. But in a case
Speaker 5: like this, courts have often ruled that people get to
Speaker 5: keep it if they did not breach. Now, however, if,
Speaker 5: for example, if a guide the same thing, he gives
Speaker 5: a fifty thousand dollars ring to you and you cheat, well,
Speaker 5: then you breach. He should get it back. But the
Speaker 5: courts say, now no matter what. Well, this one court
Speaker 5: in Massachusetts, which could become a precedent, says no, no, no.
Speaker 5: If if if you bought it, you get it back,
Speaker 5: the relationship has ended. So that is a big major change.
Speaker 5: Right now, I'm Tom Martine. We're out of time, right, Okay,
Speaker 5: I want to remind you three oh three Martino, three
Speaker 5: oh three, six, two seven, eight, four sixty six, Save
Speaker 5: all your problems for me.