Speaker 1: Yeah, ripped.
Speaker 2: News need advice so you don't happen.
Speaker 1: Come running just as fas as we can.
Speaker 3: Shooter's gonna help Come Man Dix is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hi.
Speaker 5: Tom Martino here, Welcome to the show. Three oh three
Speaker 5: seven one three talk three O three seven one three
Speaker 5: eight two five five. Here to help you any way
Speaker 5: we can with help information referrals.
Speaker 2: We do it every single day, Monday through Friday.
Speaker 5: And I want to uh talk about a lot of
Speaker 5: important things going on today. Uh in the stock market.
Speaker 5: It's crazy stuff going on. So I'm gonna do that
Speaker 5: in just a minute. But I noticed Suzanne is on
Speaker 5: the phone about an h O A issue.
Speaker 2: So Suzanne, what's going on with you?
Speaker 6: Hey Tom, thank you?
Speaker 2: What's happening?
Speaker 6: Well?
Speaker 7: In May on.
Speaker 6: Mother's Day, I got a call from a neighbor that
Speaker 6: water was coming into her unit. Uh, and she was
Speaker 6: saying it was from my unit above her garage.
Speaker 2: Are you in a condo? Yeah, okay.
Speaker 6: And it has a strange design where the my the
Speaker 6: crawl space in her garage is behind locked doors. I
Speaker 6: never even knew about it. And there was a leaky
Speaker 6: pipe in there.
Speaker 2: In who's crawl space Your neighbors.
Speaker 6: Yeah, my neighbor who's She actually lives above me, but
Speaker 6: this was her garage, which is below my unit.
Speaker 2: I got it.
Speaker 5: So your it wasn't your water. It was water going
Speaker 5: into your apartment, into your condo.
Speaker 6: It was Yeah, it was maybe my water, but it
Speaker 6: could have been other people in my building that share
Speaker 6: it's a common area, is the bottom line.
Speaker 5: Well, you're saying the leak though, you're saying the leak
Speaker 5: was in a crawl space, yes, and the crawl space
Speaker 5: is not accessible from your unit exactly, and the water
Speaker 5: was flowing where from the crawl space to where.
Speaker 2: Into her garage and then from her garage into one.
Speaker 6: It wasn't It wasn't that big of a leak that
Speaker 6: it was like streaming out, you.
Speaker 2: Know it just did it do damage to your place?
Speaker 6: No?
Speaker 8: No, And okay got its. The issue is that she
Speaker 8: she's a lawyer, and she she told me on the
Speaker 8: spot that that that crawl space had only my pipes
Speaker 8: in there, and I better get a look. You know,
Speaker 8: a plumber there immediately.
Speaker 9: And still with it.
Speaker 6: So I got somebody there on a Sunday evening and
Speaker 6: he did a great job. Patching it. It took him
Speaker 6: forty minutes and I paid him seventeen hundred dollars on
Speaker 6: the spot. And then he got a mitigation crew to
Speaker 6: come to look at it and clean, you know, start
Speaker 6: cleaning the next day.
Speaker 5: But now your insurance, if this is your responsibility, your
Speaker 5: insurance will cover it.
Speaker 6: Yes, And they've done the assessment and they're like, no,
Speaker 6: you were not negligent. But the neighbors insistent had been
Speaker 6: insisting that it was coming from my hot water.
Speaker 5: Doesn't it doesn't matter, okay, It doesn't matter what the
Speaker 5: neighbor says. It matters what it is. Hold on, Suzanna,
Speaker 5: and I'm going to come to you, okay. I have
Speaker 5: to think of the experts I want to get on.
Speaker 5: And there's another reason. I also want to go to
Speaker 5: another caller, But do.
Speaker 2: Not hang up. I mean, I'm not done with you
Speaker 2: at all.
Speaker 5: I want to help you, okay, and I appreciate your
Speaker 5: your patients want to I want to talk.
Speaker 2: To Michael Abate. Michael are you there, sir?
Speaker 10: I am Tom, How are you good?
Speaker 5: Michael is with Atlas CPAs and financial advisors.
Speaker 2: And everyone show not everyone.
Speaker 5: Most everyone is looking at the stock market because there's
Speaker 5: been a major change. Now in general terms, Michael, I
Speaker 5: want to talk in general terms. I don't want to
Speaker 5: ace out people who don't have a degree in accounting
Speaker 5: your finance, and I want to talk about this because
Speaker 5: this does affect everyone. If you have a four oh
Speaker 5: one K and I RA, if you have a stock
Speaker 5: account and individual account. It also affects businesses and business plans.
Speaker 5: And the stock market affects everything. Stock market is common
Speaker 5: ownership and stuff. Let's just put it that way. And
Speaker 5: even though we believe that big corporations are big corporations,
Speaker 5: they're really not. They're big corporations made up of a
Speaker 5: lot of people. Now, obviously you have some big stockholders
Speaker 5: that control things, and we call them, some people call
Speaker 5: them fat cats and all that. I don't want to
Speaker 5: get into all that. I want to get into the
Speaker 5: stock market. It's been doing so well so long.
Speaker 2: And no one knew.
Speaker 5: Why is this the first time that I mean Biden
Speaker 5: took and I'm not getting politically, but he took credit
Speaker 5: for it before that, Trump took credit for it. Let's
Speaker 5: talk about the stock market that prior to this.
Speaker 2: Kind of volatile period. Right now, the volatility has been
Speaker 2: going on now for what two weeks? Three weeks?
Speaker 11: How long, Michael, It's been a couple of weeks.
Speaker 2: Okay, now before that, before that.
Speaker 5: To get very simplistic, why was the market doing so
Speaker 5: damn good? Reason I say that is it was doing
Speaker 5: so damn good that you could hardly make a mistake.
Speaker 2: Why why was it doing so well?
Speaker 12: So, a lot of people invest in the broad stock market,
Speaker 12: like the S and P if you want.
Speaker 5: To talk about yeah, which is which is an index
Speaker 5: of a bunch of companies and they yeah, and and
Speaker 5: the S and P is one of them, and we
Speaker 5: have the DOWS another and okay, go ahead, Yes, a
Speaker 5: lot of people's.
Speaker 12: There were There are a lot of people that have
Speaker 12: investments in that through their four own K plans. And
Speaker 12: a lot of the returns that we've seen over the
Speaker 12: last year have been driven by some of the largest
Speaker 12: tech companies that are part of that return or part
Speaker 12: of that index.
Speaker 5: So was it was it skewed by those companies alone
Speaker 5: or were the other companies rising because of them?
Speaker 12: They're dragged up with them because they're in the index.
Speaker 12: But it definitely had a an add on effect, like
Speaker 12: if you were in the index, you got pulled up
Speaker 12: when those other companies went up, because every time someone
Speaker 12: will what.
Speaker 5: People invest in those other companies because they were just
Speaker 5: optimistic because of the tech companies. In other words, did
Speaker 5: this tech optimism spread to other companies where people would
Speaker 5: buy other companies? Yeah?
Speaker 12: I think that AI boom also helped spread out where
Speaker 12: people were looking to put their money and where they
Speaker 12: were looking at to allocate resources.
Speaker 5: Did fundamentals companies? Did fundamentals back that up?
Speaker 2: Now?
Speaker 5: I want to talk to people really basically about this,
Speaker 5: because I believe that everyone should know a little bit
Speaker 5: about this. But in a stock market, there are many
Speaker 5: things that drive the market. There are hunches, there are attitudes,
Speaker 5: there are sentiments, and then there is reality what I
Speaker 5: call fundamentals. Is a company making money? Is it growing?
Speaker 5: Is it contributing to the economy? Is it literally a
Speaker 5: good investment not because you're to have another full buy it,
Speaker 5: but because it is a good company. Now, how much
Speaker 5: of that optimism or that the rallies we've seen in
Speaker 5: the later part of twenty three and in twenty four,
Speaker 5: how much of that was driven by fundamentals?
Speaker 12: I think a portion of it. I would say probably
Speaker 12: a third of that. If I had to put a
Speaker 12: number on Okay, because earnings for companies that have been
Speaker 12: released that are not those seven big companies have been
Speaker 12: fairly good, and the US economy has had decent data
Speaker 12: over the last year, which has also helped with the
Speaker 12: floating up of the stock markets.
Speaker 2: Okay, so what happened then?
Speaker 4: When you have high.
Speaker 12: Rates for as long as we have, we've basically it's
Speaker 12: been a year since the said raise rates the last time,
Speaker 12: the impact that has on companies, we're actually starting to
Speaker 12: see larger layoffs.
Speaker 5: It takes but it takes that long. It takes that long. Yeah,
Speaker 5: So okay, go ahead, and I'm sorry.
Speaker 12: Interest rates. Interest rates are are a blunt instrument and
Speaker 12: the feeling and the impact on companies if they're well
Speaker 12: capitalized and have reserves and can weather the storm. It's
Speaker 12: been a year now that they've had to have increased
Speaker 12: borrowing costs to the level that we haven't seen since,
Speaker 12: I mean in a long time, and that's that's been
Speaker 12: one of the challenges, is we're starting to see those
Speaker 12: larger layoffs and right sizing of companies because they can't
Speaker 12: borrow cheaply anymore.
Speaker 5: So it's okay, so we would call interest rates a
Speaker 5: leading indicator, but it takes a long time for them
Speaker 5: to show up as far as impact on the economy.
Speaker 12: Correct and people have heard about, you know, short term
Speaker 12: rates versus long term rates, and well, when you have
Speaker 12: an inverted yield curve, you're going to see a recession.
Speaker 12: We've had that for a while now, and there's not
Speaker 12: really been signs of recession from an economic standpoint that
Speaker 12: has started to show until very recently.
Speaker 2: But are we going into a recession?
Speaker 12: I would say we're probably in the beginning or middle
Speaker 12: of a very vanilla recession right now. That the challenge
Speaker 12: is you don't know about it until you're starting to
Speaker 12: come out of it because the bounce back when they
Speaker 12: start to pull rates down from where they're at. September's
Speaker 12: the next meeting, and everyone was shocked when they didn't
Speaker 12: move rates this past meeting in August. But in nineteen
Speaker 12: ninety seven there was an emergency meeting that happened and
Speaker 12: they came in and they lowered rates. The problem is
Speaker 12: there's not a fire to put out. There's not a
Speaker 12: credit crisis, there's not a liquidity crisis. This is a
Speaker 12: global repositioning and repricing of stuff that has been brewing
Speaker 12: for the last year because because of this high interest
Speaker 12: rate environment.
Speaker 5: Yeah, so is it a normalization? Is it something that
Speaker 5: should happen? In other words, corrections they you know, we
Speaker 5: look at corrections sometimes as being negative, and they are
Speaker 5: if you lose value, but in reality they might be reality.
Speaker 12: Yeah, the re pricing of companies to where the market
Speaker 12: feels they should be based on price dynamics. Yeah, that's
Speaker 12: the emotions of things. That's the I'm gonna sell out
Speaker 12: of something that I wanted to get a little too
Speaker 12: greedy and had too much of. I'm going to get
Speaker 12: right sized in my positions.
Speaker 2: Okay, so it's normal.
Speaker 12: Yeah, I think this is a fairly normal.
Speaker 13: Market move.
Speaker 12: I mean, when people see a thousand points when you
Speaker 12: wake up first thing, that is a big number. But
Speaker 12: in reality, that's less than two and a half percent
Speaker 12: of a move on the Dow Jones. So as I
Speaker 12: look at the screens right now, we're only down seven
Speaker 12: to eighty on the Dow, and this morning at like
Speaker 12: nine o'clock it was down ten eighty. So that's a
Speaker 12: quick swing back. If things were were really fundamentally horrible,
Speaker 12: I don't think you would have seen us come off
Speaker 12: the lows as quickly as you have. And the biggest
Speaker 12: drop is in the tech heavy sector, the NASDAC sure,
Speaker 12: which is where everyone has to right size themselves because
Speaker 12: those all of those companies, because of AI and all
Speaker 12: of the other things that go along with the network
Speaker 12: that you need for that particular new growth apparatus in
Speaker 12: our economy, everyone wants to get in on it.
Speaker 5: Okay, So in essence, though, in essence, if we have recessions,
Speaker 5: they should not be as deep and cutting as they
Speaker 5: were in let's say two thousand and eight, two thousand
Speaker 5: and nine or before that in the nineties. Will we
Speaker 5: ever see those great recessions or have we learned a lesson?
Speaker 2: Or is there a lesson?
Speaker 12: I think that the lessons learned are learned well until
Speaker 12: we forget about them.
Speaker 14: Okay, it's not been long.
Speaker 12: Enough since two thousand and eight. There's been a lot
Speaker 12: of changes to the policy since then. As I said earlier,
Speaker 12: this is not a credit or a liquidity crisis like
Speaker 12: we had back in two thousand and eight and in
Speaker 12: the late nineties. And I remember the late nineties interest
Speaker 12: rates going up literally like a staircase to where they're
Speaker 12: at now. And then dropping very quickly after that because
Speaker 12: we didn't have a pandemic and we didn't have all
Speaker 12: the other things that were happening these last few years
Speaker 12: that we're recovering from. There's also been a huge, huge
Speaker 12: unwined of our balance sheet, like the Fed's balance sheet
Speaker 12: bonds or bleeding off, so that has an impact to
Speaker 12: all of this as well.
Speaker 13: It's not like.
Speaker 12: We're pumping juice into the system like we were during
Speaker 12: any of those cycles in the past.
Speaker 2: So what do you see going forward?
Speaker 5: And I know I'm asking an impossible question, but what
Speaker 5: do you think? A normalization, more recession, more inflation, what
Speaker 5: do you think?
Speaker 2: What do you think?
Speaker 12: Well, I mean, we went from nine percent inflation to
Speaker 12: down below three percent now, and that's I mean, that's
Speaker 12: very much closer to that two percent level that they're
Speaker 12: looking for. The thing that impacts the people in the
Speaker 12: four one K plans is institutional investors are using leverage
Speaker 12: mechanisms that can make things move a lot quicker than
Speaker 12: the regular person who's moving stuff around in their four.
Speaker 15: To one K.
Speaker 12: And what I broaden me by that is regular people
Speaker 12: are not playing with currency transactions and interest rate swaps
Speaker 12: and things like that, but banks and institutions are and
Speaker 12: that is the unwind I think that you are seeing
Speaker 12: as that waterfall start. It's not the regular investors saying
Speaker 12: I want to get out of the stock market. It's
Speaker 12: literally margin calls that are happening that are forcing people
Speaker 12: to sell. And to give you an example, there's no
Speaker 12: reason why some interest rate should have been overwhapped down
Speaker 12: twelve percent overnight in the market in Asia. There's nothing
Speaker 12: wrong with Samsung.
Speaker 2: And that is that's emotion.
Speaker 12: Great, that's a great emotion. And that's not even emotion,
Speaker 12: that's I can get the most for that asset to
Speaker 12: cover a loss somewhere else.
Speaker 6: Okay, I got to get out.
Speaker 5: Of Okay, got it, you know, Paul, thank you very much.
Speaker 5: I mean, if we get some call of some calls,
Speaker 5: we may call you back. But I appreciate you being on.
Speaker 5: I wanted just your impressions some quick I wanted to
Speaker 5: get some quick observations. People are welcome to call in
Speaker 5: on this. I'm Tom Martino. This hour brought to you
Speaker 5: by waterpros dot net. The best water systems, the lowest
Speaker 5: prices for drinking water at the kitchen sing fourteen hundred
Speaker 5: dollars fully installed three oh three eight six two five
Speaker 5: five five four. Go with a sure thing Denver's best
Speaker 5: roofer Excel Roofing dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation 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 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 oh
Speaker 5: three nine two zero sixteen twenty two him Tom Martino
Speaker 5: here three oh three seven one three talk three oh
Speaker 5: three seven one three eight two five five probit Energy
Speaker 5: dot com for your solar systems. That's sales, installation and
Speaker 5: service and people you can trust. Probid Energy dot Com. Okay,
Speaker 5: I want to go back to Susan. Wait, wait, Susanne,
Speaker 5: we're getting some experts on. I'll go back to after
Speaker 5: we get some experts. I want to go to Brenda. Now, Brenda,
Speaker 5: what's going on with you?
Speaker 2: Brenda?
Speaker 17: Hi?
Speaker 2: Brenda?
Speaker 5: Hello, what's going on with your Is it a Ford Focus?
Speaker 9: It's a Ford focus. It's what's happening for eight months
Speaker 9: that of the last year. It means a new transmission.
Speaker 9: But it took them this long to figure out that
Speaker 9: it needs a new transmission.
Speaker 2: Where did you have it? Where did you have it
Speaker 2: for service?
Speaker 18: I took it to Larry H.
Speaker 9: Miller first, the first time it broke down and told
Speaker 9: me transmission fail. I had it towed to them.
Speaker 2: How many miles on it?
Speaker 9: Then it's sixty five?
Speaker 5: Really, that shouldn't that shouldn't have a bad transmission.
Speaker 2: I want to ask a few questions. How long have
Speaker 2: you owned it?
Speaker 9: A year? Thirteen months?
Speaker 2: Where'd you buy it?
Speaker 9: I bought it from Quest Motors.
Speaker 5: Okay, so you took it to Larryage, Now tell your story.
Speaker 9: So I took it there, and it took them so
Speaker 9: long to get back to me. And then when they
Speaker 9: did get back to me, just to even say that
Speaker 9: they had it, and they when they did get back
Speaker 9: to me, they called me a different name, and they
Speaker 9: had a different car, and they kind of just didn't
Speaker 9: know what was going on. So I had it towed
Speaker 9: to a transmission shop. The transmission shop told me, you
Speaker 9: need a new transmission, And at that time I had
Speaker 9: an extended warranty. I had a warranty that I purchased.
Speaker 2: And what transmission shop told you that.
Speaker 9: Mark Coppman Market Coppman Transmission Cotman.
Speaker 2: Okay, So anyway, keep going.
Speaker 9: So he said, but it's better to have the dealership
Speaker 9: do it first of all, because part of the transmission
Speaker 9: was warranted. Buy the dealership.
Speaker 5: Well, that's really nice that they told you that. That's
Speaker 5: really nice. Then so then watching, so your extended warranty
Speaker 5: when you bought the car, you had an extended warranty,
Speaker 5: and you believe that warranty covers the tranny.
Speaker 2: Yes, okay, keep.
Speaker 9: Going back to the dealership. Then the dealership said no, no, no,
Speaker 9: even though on the dashboard it gave me transmission fail
Speaker 9: error messages and they're like, no, it's the sensors. We
Speaker 9: have to replace the sensors. So they replaced the sensors.
Speaker 18: It worked for a couple.
Speaker 9: Of months, and then it broke down again. And then
Speaker 9: it broke down again, and then it broke down again.
Speaker 9: It just keeps breaking down.
Speaker 2: And this was Larry H. This was Larry H. Miller
Speaker 2: who told you it was the sensors.
Speaker 9: Yes, And then they said that they thought it might
Speaker 9: be the transmission control module and then they said that
Speaker 9: it was the wire harness, and they assured me that
Speaker 9: that's what it was, that it would work just fine,
Speaker 9: that it wouldn't break down on me again and leave
Speaker 9: me stranded.
Speaker 2: So how long has l Larry H. Miller been fooling
Speaker 2: around with this?
Speaker 6: Eight months?
Speaker 9: Well for the past year, but they've had my car
Speaker 9: on their car lot for eight months out of the
Speaker 9: past year.
Speaker 5: So wait, you've had that, You've not driven your car
Speaker 5: for eight months.
Speaker 2: Did you get a loaner during that time?
Speaker 1: No?
Speaker 9: And I've asked repeatedly for a loaner.
Speaker 5: Well, they don't owe it to you, but it would
Speaker 5: be nice. So where does it stand right now?
Speaker 9: Brenda, one of the management got involved months ago, and
Speaker 9: he said it's his priority. He's taking care of this.
Speaker 6: Just give him a.
Speaker 9: Few days and just give him a few more days,
Speaker 9: and just give him a few more days. And he's
Speaker 9: trying to get help from from corporate and he's like,
Speaker 9: he thinks they'll help, but then they're helping other people
Speaker 9: who he requested after my request, and he doesn't know why.
Speaker 9: Just give him a few more days.
Speaker 5: So I'm just now if the warranty covers this. Do
Speaker 5: you have to take it to Larry.
Speaker 9: H My warranty expired while it was sitting.
Speaker 18: On Larry hold On.
Speaker 5: It's still going to cover this because they never fixed it.
Speaker 2: If what if, what is wrong with.
Speaker 5: That car would have been covered, they need to cover it.
Speaker 5: And I hope they told you that. I mean, it
Speaker 5: happened while it.
Speaker 2: Will it happened while it was under warranty.
Speaker 5: They can't very well say too bad otherwise, Brenda, all
Speaker 5: they'd have to do is just keep every car until
Speaker 5: the warranty expires, right.
Speaker 9: Right, But it was an extended warranty aftermarket that I purchased.
Speaker 9: That was all.
Speaker 2: It doesn't matter.
Speaker 5: It doesn't matter if it happened during that warranty and
Speaker 5: that warranty would have covered it, then I believe they
Speaker 5: should cover it. It just stands to reason. I mean,
Speaker 5: it just logical to me. What are they telling you
Speaker 5: right now? What's the latest you heard from these people?
Speaker 9: To give them more time, they'll talk corporate and see
Speaker 9: if there's something they can do to help.
Speaker 5: Hold on a second, I'm going to have Deputy doc.
Speaker 5: He's in the studio. Deputy Doc, can you talk to her?
Speaker 5: Call over to Larry H. Miller, come on, this is ridiculous,
Speaker 5: and also tell them that about the extended warranty. If
Speaker 5: it happened under warranty, they can vouch for it. I'm
Speaker 5: going to go to Brad O'Brien, attorney at law Real
Speaker 5: Estate Attorney ols law dot com.
Speaker 2: I want to ask them a quick question.
Speaker 5: Hey, Brad, if someone has that you live in a
Speaker 5: condo and you have common you know, you have you
Speaker 5: have common stuff, but then you have like waterlines that
Speaker 5: go to and from your condo. But if they go
Speaker 5: through another if you could picture this, if they go
Speaker 5: through another crawl space and you have absolutely no access
Speaker 5: to that crawl space and it pops a leak or
Speaker 5: something with this homeowner, her neighbor who had some damage
Speaker 5: from the water claims that she needs to cover it
Speaker 5: because it's her pipe. Now, I think the you're gonna say,
Speaker 5: maybe that the hay By laws might take effect.
Speaker 2: I don't know what would you do in a case
Speaker 2: like that.
Speaker 19: Well, the h declaration, the written document normally covers who's
Speaker 19: responsible for what inside.
Speaker 6: Okay, okayally normally.
Speaker 19: They're written where if the water line serves one unit,
Speaker 19: then the water line in the wall that serves that
Speaker 19: unit is the responsibility of the unit owner, And normally
Speaker 19: they're written that because the waterline's serving multiple units and
Speaker 19: it's an HOA responsibility. But you have to look at
Speaker 19: the documentary.
Speaker 5: Now, now I want to ask very quickly here, Suzanne,
Speaker 5: does that water line whether you agree or not, isn't
Speaker 5: the issue here.
Speaker 2: But is that waterline yours?
Speaker 6: I don't know.
Speaker 2: Oh, you really don't know.
Speaker 5: So the plumber who fixed it, can you ask the
Speaker 5: you called the plumber. What did the plumber say? Was
Speaker 5: it your line? Was it your cold water line going
Speaker 5: into the water heater? Did I hear something about the
Speaker 5: water heater?
Speaker 6: I think it was my line actually, because yeah, my
Speaker 6: water heater was it was working. Be fine that I
Speaker 6: was running out of hot water in the show, and
Speaker 6: I believe the hot water kind of was running out
Speaker 6: of that pipe down there.
Speaker 5: And now, now, Brad, do you know or should I
Speaker 5: ask Compass Insurance? Would her insurance cover that or would they?
Speaker 5: They're telling her she wasn't negligent, they're not covering.
Speaker 6: It, So I think it suns out. I I'm sorry,
Speaker 6: go ahead, Brad.
Speaker 19: Policies will cover it under the base policy, but some
Speaker 19: insurance policies. You have to buy an additional endorsement onto
Speaker 19: the homeowners policy to get that inside the wall coverage.
Speaker 2: Okay, Susanne, what were you saying?
Speaker 6: Okay, So it's definitely outside my unit, outside my wall
Speaker 6: and in the common area. That's been determined and proven
Speaker 6: with a video of Okay.
Speaker 5: So it's in a common area, but it's isn't it
Speaker 5: under her condo?
Speaker 6: No, it's undermine. Oh, next, like it's in the back
Speaker 6: of her garage. There's this little pony wall.
Speaker 2: But it's not.
Speaker 5: You say it's it's under yours. But what do you
Speaker 5: mean it's a common area.
Speaker 6: Because my pipes are not the only ones in there.
Speaker 5: Okay, so this is an area where pipes run back
Speaker 5: and forth. Yeah, more than yours. How many pipes are
Speaker 5: in there for multiple units?
Speaker 17: Yeah.
Speaker 6: I couldn't really determine it because they wouldn't share any
Speaker 6: information about it or drawing rad.
Speaker 5: What do you think about that if it's in a
Speaker 5: common area, what do you think about that?
Speaker 19: Well, I think that the declaration is going to specify
Speaker 19: who's responsible for this particular pipe.
Speaker 2: Okay.
Speaker 19: Any guessing won't change the fact that, Yeah, it's determined
Speaker 19: in that document.
Speaker 5: And so if it's if it's each unit owner, she's
Speaker 5: going to have to pay it, whether she her insurance
Speaker 5: pays it or not, is what you're saying.
Speaker 2: By the way, Brad, thank you.
Speaker 5: Brad is basically stating the facts as we should check
Speaker 5: them out. We're going to check with Compass Insurance Group
Speaker 5: in general. Brad is at Olslaw dot com seven to
Speaker 5: zero three seven zero seventy three eighty eight more coming
Speaker 5: right up. Go with a sure thing Denver's Best roofer
Speaker 5: Excel Roofing dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation 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: you're troubleshooter three all three seven one three talks seven
Speaker 5: one three eight.
Speaker 2: Two five five. By the way, I do have a guest.
Speaker 5: Coming up, Bob logan from Plumbline and Plumbline Services, plumbing, hitting, cooling,
Speaker 5: electric and trains. I have some some texts here that
Speaker 5: I would have called him about anyway, so it's good
Speaker 5: that he's here.
Speaker 2: But on the.
Speaker 5: We're going to get Compass Insurance Group on for that
Speaker 5: also that h way, But meanwhile I also want to
Speaker 5: talk to you as you call three oh three seven
Speaker 5: one three talk seven one three eight two five five
Speaker 5: and remember you call three oh three Martino twenty four
Speaker 5: seven three oh three six two seven eight four sixty six.
Speaker 5: Josh has a question on credit reports. Hi, Josh, what's
Speaker 5: going on?
Speaker 2: Josh? Hello, Josh? What's happening?
Speaker 20: Can you hear me?
Speaker 2: Yes? I can, sir, what's happening?
Speaker 20: Do you know any creative ways to get a thirty
Speaker 20: day late payment removed off your credit report?
Speaker 5: Well, some of the ways people do, and I'm not
Speaker 5: saying it's creative necessarily, but it works sometimes is to
Speaker 5: simply challenge it and they don't answer the challenge and
Speaker 5: they have to remove it.
Speaker 2: But tell me about how long ago the thirty days
Speaker 2: late was.
Speaker 20: Oh, it just happened, and it was due to front
Speaker 20: on a bank account that got closed and.
Speaker 2: Okay, well, normally hold on.
Speaker 5: Normally, if there's a good explanation like that, the easiest
Speaker 5: way is through the credit issuer, not the credit reporting agency.
Speaker 5: But for example, I had I forget what it was.
Speaker 2: Maybe a Nordstream account, and I had it set up.
Speaker 5: On auto pay, and they they took it out late
Speaker 5: and then marked it late. And I could clearly show
Speaker 5: that is it something like that. If you can show
Speaker 5: and if you contact them, they don't want to hurt you.
Speaker 5: I mean if you say to them, look, the reason
Speaker 5: this was late was because of this, this, and this,
Speaker 5: and you can show it.
Speaker 2: Many times they'll just take it off for you.
Speaker 20: So would I just email City Bank customer service.
Speaker 2: That's where I'd start.
Speaker 5: Sometimes they have a number to call on your credit report,
Speaker 5: but you should start there and say I'm trying to
Speaker 5: look now.
Speaker 2: A lot of them.
Speaker 5: That are lazy will say, uh, you know, there's nothing
Speaker 5: you can do about it. You just have to keep
Speaker 5: crying you or you have to call the credit department
Speaker 5: or wherever it was late.
Speaker 2: What were you late paying of the credit card?
Speaker 20: It was no, it was a monthly payment to best
Speaker 20: Buy that's been on auto.
Speaker 21: Pay for the left.
Speaker 2: No. No, no, no, no, no. Then best Buy is
Speaker 2: the one that reported it, not City.
Speaker 3: Well, best Buy card through City Bank, okay, the best
Speaker 3: by So who reported it. I'd have to look, but
Speaker 3: it was probably reported as best by Financial Services, but
Speaker 3: it's serviced by City Bank.
Speaker 5: Okay, Well, in that case you could also go to
Speaker 5: best Buy either one. You just have to get the
Speaker 5: issuer though. The credit reporting agency will never take it off.
Speaker 21: Yeah, it's the only way they will.
Speaker 5: Take it off is if it was truly an error,
Speaker 5: not by mistake, but in error.
Speaker 2: Okay, So like it's not you or something. So start there, Josh,
Speaker 2: and then call me back.
Speaker 5: I mean really, most of the time, whoever issued that
Speaker 5: late you know that late charge will take it off
Speaker 5: if you have a true explanation for it, because they're
Speaker 5: not necessarily looking to hurt you. Three zero three seven
Speaker 5: to one three talk seven one three A two five five. Jerry,
Speaker 5: you want to give a good report on a car dealer,
Speaker 5: Go ahead quickly.
Speaker 22: Yes, no, of course. Uh so. The dealership is Morgan
Speaker 22: County Motors. They got a location out in Fort Morgan,
Speaker 22: and you m the Colorado. I can't, for the life
Speaker 22: of me to recall the gentleman's name. But I bought
Speaker 22: a car from him a while back, and about a
Speaker 22: month after for owning give found out that it had
Speaker 22: a bad fits and minute and it needed and then
Speaker 22: in replacement the car was sold to me as is
Speaker 22: oh yeah, yes, sure a out of a cond gesture.
Speaker 22: He bought the car back from me and got me
Speaker 22: out of the loan.
Speaker 5: You know what that's that's really that is really stand up.
Speaker 2: It's called Morgan County Motors.
Speaker 21: That is correct.
Speaker 11: Thank you for doing that for everybody.
Speaker 5: But you know, no, you know what, Jerry, these things
Speaker 5: need to be These things need to be told. Man
Speaker 5: when this thing, when this kind of thing happens. And
Speaker 5: I really really appreciate it. By the way, Denver Regen
Speaker 5: dot com they are actually doing hair replenishment with stem
Speaker 5: cell therapy and weight loss compounded drugs semaglue tide and
Speaker 5: turzepetide at pennies on the dollar and they do of
Speaker 5: course stem cell therapy. Denverregen dot com. Go with a
Speaker 5: sure thing Denver's Best roofer Excel roofing dot com.
Speaker 16: You don't pay a cent until you're content.
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: you're a troubleshooter. I want to go right to Brian
Speaker 5: Burns Compass Insurance, by the way, home of the free
Speaker 5: insurance checkup three oh three nine nine six nine thousand, which,
Speaker 5: by the way, you need now more than ever. Hey, Brian,
Speaker 5: so listen. This woman's in a condo and her water
Speaker 5: line to her water heater broke or sprung a leak
Speaker 5: and did some damage. And it's in an area she
Speaker 5: could not see. It's outside of her unit but under
Speaker 5: her unit. But it's in an area considered common area,
Speaker 5: and there are several pipes to several units going back
Speaker 5: and forth. The particular pipe that sprung a leak was hers.
Speaker 5: Now Brad O'Brien, the real estate attorney, suspects that according
Speaker 5: to bylaws, if it's your pipe, you're.
Speaker 2: Probably responsible for it.
Speaker 5: Not negligent, but you're responsible for it, you know, I mean,
Speaker 5: And her insurance is saying you, what, Suzanne, they.
Speaker 2: Turned you down? What did they tell you your insurance?
Speaker 6: If I could just finish the summary, like, I don't
Speaker 6: think you really know that, the go ahead, go ahead.
Speaker 6: They determined that I was not negligent and I took
Speaker 6: care of my unit with diligence and this is outside
Speaker 6: and then the common area.
Speaker 8: But they don't think they need to pay.
Speaker 6: They think the HOA needs to pay. So that was
Speaker 6: determined for that. But there's also this mitigation of you know,
Speaker 6: the restoration company that I called.
Speaker 5: That's exactly where I was going, but I appreciate that.
Speaker 5: I'm gonna let you finish after That's exactly where I'm going.
Speaker 5: I'm trying to find you insurance coverage, and I believe
Speaker 5: your insurance should cover it, but I want to I
Speaker 5: want to explore that and let you finish, and Brian
Speaker 5: will listen, so hang on. We have also plumb line
Speaker 5: Services dot com in the house. 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 contenth time for an insurance
Speaker 5: check up free, no obligation 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.
Speaker 2: R you need advice who you don't have?
Speaker 1: Come? Run just as fast as we can. Shooter's gonna help.
Speaker 1: Come man, this is.
Speaker 4: The Troubleshooter Show.
Speaker 5: No Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 5: Three ozho three seven one three talk seven one three
Speaker 5: eight two five five Remember water Pros for water softening
Speaker 5: two thirty four hundred dollars a full house system. That's
Speaker 5: Waterpros dot net three oh three eight six two five
Speaker 5: five five four. Hey, And speaking of water or plumbing,
Speaker 5: speaking of uh heating and air, we have plumb line
Speaker 5: services with us. Bob an age old problem has come up,
Speaker 5: and I'm gonna go right to the phones. But I
Speaker 5: trust you and I know you get these calls now.
Speaker 5: I did a whole complete social post on cooling your
Speaker 5: house the proper way. And here's what I said. So
Speaker 5: I'm gonna give these people the same advice. Your attic
Speaker 5: has to be well ventilated.
Speaker 2: First.
Speaker 5: This has nothing to do with HVAC. But if you
Speaker 5: have an attic that's closed up, you're dead. You need
Speaker 5: to have that attic open. And you need to have
Speaker 5: a soft events ridge, vents or pipes around the house
Speaker 5: vents they call them, or a solar fan that pulls
Speaker 5: air out of the attic.
Speaker 2: The attic, not the house. The attic has to be
Speaker 2: cooled because if it.
Speaker 5: Gets overheated, it radiates into the home. Even in the winter.
Speaker 2: It helps.
Speaker 5: There was another reason it helps in the winter. But
Speaker 5: you have to have these convective currents. Have you ever
Speaker 5: run across something where and I would think you guys
Speaker 5: would have to be experts in this excel roofing happens
Speaker 5: to be experts in the roofing, insulations and ventilation business,
Speaker 5: and they're looking at this particular house.
Speaker 2: But I wanted.
Speaker 5: To say to you, you guys should be experts in it,
Speaker 5: because you could end up putting a whole new air
Speaker 5: conditioning system and people get pissed at you because their
Speaker 5: upper floor is like steaming hot and it's not your
Speaker 5: system going bad?
Speaker 2: Well, what do you do in that case? What do
Speaker 2: you do?
Speaker 23: You know, you just got to educate our customers on
Speaker 23: the limitations of the system based on the home point exactly.
Speaker 23: Don't if the attic is not well ventilated. That's the
Speaker 23: big problem people are having right now. Their addicts are
Speaker 23: super high, especially with these hot this hot.
Speaker 2: Special radiating heat.
Speaker 5: I can't tell you how many reactions I got to
Speaker 5: that post I made and then on LinkedIn and YouTube
Speaker 5: about ventilating.
Speaker 2: The right way, and they're.
Speaker 10: Or old insulation.
Speaker 5: Do you guys though, inspect that and say, listen, we're
Speaker 5: putting in a new system, but you better take care
Speaker 5: of this or better yet, why don't you just get
Speaker 5: into that? But I'm serious, I mean, if you're going
Speaker 5: to be doing the air conditioning, why not say, while
Speaker 5: we're here, let's also do this.
Speaker 23: Yeah, And I've considered it too much. No, I've considered
Speaker 23: getting in the insulation business. I've considered getting in you know,
Speaker 23: attic fans and some other things.
Speaker 5: We do attic fans, but you do whole house fans.
Speaker 5: Do you do attic fans? The whole health house fans? Yes,
Speaker 5: and now that's different, right, but even a whole house
Speaker 5: fan won't work well if the attic isn't open.
Speaker 23: Correct, And so you know, one thing I want to
Speaker 23: be careful of always is we don't want to be
Speaker 23: all things to all people.
Speaker 10: What may be going to be specialists very good.
Speaker 2: At will and you are very good at what you do.
Speaker 2: So what you do is this, what about this?
Speaker 5: I'm recommending maybe you have a synergistic relationship with an
Speaker 5: Excel roofing or the or the people that can ventilate
Speaker 5: addics or whatever, or drop in attic fans and then
Speaker 5: and you actually do whole house fans though.
Speaker 23: We do, and you know in those synergistic relationships we
Speaker 23: have a few of them. Again, we've got to be
Speaker 23: very very careful.
Speaker 2: I know. We refer people because your reputation.
Speaker 10: Because their reputation is on the line.
Speaker 23: And the fact of the matter is, it doesn't matter
Speaker 23: if it's plumbing, heating, cooling, or electrical, or roofing or
Speaker 23: concrete or anything else. There's a lot of really good contractors,
Speaker 23: but there's a lot of really bad contractors, which is
Speaker 23: why you do your skill right.
Speaker 5: So somebody wants to ask, what do you do about
Speaker 5: overheating on the third floor. They don't know what to do.
Speaker 5: They just don't. And they say third floor. They have
Speaker 5: a walkout basement. And were you going to recommend the
Speaker 5: same thing? First check the attic or what.
Speaker 10: It could be atic insulation, It could be that simple.
Speaker 10: It could be you know, the it could be the
Speaker 10: system itself.
Speaker 2: What would go wrong with air conditioning?
Speaker 1: Though?
Speaker 23: One thing we always recommend because a lot of people
Speaker 23: they try to close up rooms, they close off vents.
Speaker 23: The best thing you can do is leave your doors open.
Speaker 23: That's your house, Leave your vents open, keep your fan
Speaker 23: on on.
Speaker 10: All the time. You're you're really good.
Speaker 23: Your air conditioning system, your furnace system has a fan
Speaker 23: operating that most people put in the auto mode of meetings.
Speaker 10: It kicks on and off when the when the and
Speaker 10: you think it should just always search you always circulate.
Speaker 23: It keeps that air moving, it keeps the temperatures more
Speaker 23: regulated throughout the house. And it'll cost you pennies a month.
Speaker 23: I mean, it doesn't cost you that much to do that.
Speaker 5: Now, I want to go back to Compass Insurance and
Speaker 5: Suzanne in this issue here. So so, Suzanne was telling
Speaker 5: us that she had a broken pipe. It was her pipe,
Speaker 5: but it was in an area of a common area
Speaker 5: of a condo unit.
Speaker 2: And it's not just.
Speaker 5: Her pipe that runs through there, although hers, let's just say,
Speaker 5: for argument's sake, was the one that broke, and she
Speaker 5: went to fix it and all that, and we're trying
Speaker 5: to get her paid through insurance. But Susanna, I want
Speaker 5: you to completely finish your story, so Brian Burns at
Speaker 5: Compass Insurance can get an idea. He's our insurance expert,
Speaker 5: by the way, he's not involved in this. But Suzanne,
Speaker 5: so you had the water line fixed. How much did
Speaker 5: that cost you?
Speaker 6: Sixteen eighty four dollars?
Speaker 5: Now that you would have to pay because it's your line,
Speaker 5: and that's a normal cost of repair.
Speaker 2: But what else now is going on? What else? What
Speaker 2: else is happening?
Speaker 6: According to the bylaws, it's not my expense because it's
Speaker 6: outside of my unit.
Speaker 5: You mean the pipe itself isn't even yours?
Speaker 6: Right, Well, no, it might be, it might be coming
Speaker 6: from my unit, but it's the leak sprung down there.
Speaker 6: So way, that's already been determined by my company and
Speaker 6: they the thing the mitigation.
Speaker 4: Part is no.
Speaker 5: But I want to ask you this, though you say
Speaker 5: it's been determined. Is the HOA going to pay for
Speaker 5: your pipe repair?
Speaker 6: I don't know. They're dragging their feet about answers to
Speaker 6: that end. The restoration company which is trying to bill
Speaker 6: me over eight thousand dollars.
Speaker 2: For whose restoration yours or for your neighbors?
Speaker 6: The restoration happened in my neighbors in the cross space.
Speaker 2: No, I get it.
Speaker 5: But they had to get rid of the moisture because
Speaker 5: of all that susand there's a few issues here. The
Speaker 5: number one issue is which Compass Insurance can't help us
Speaker 5: with but we can help you is try to get
Speaker 5: your HOA. If your bylaws truly do say that those
Speaker 5: pipes outside of your house are not yours, then you
Speaker 5: need to fight your HOA. The problem is fighting in
Speaker 5: HOA is like fighting with your own money, because they
Speaker 5: just keep assessing.
Speaker 2: People to go through court.
Speaker 5: I mean, but your HOA or management company, whichever one
Speaker 5: you're dealing with, if they see that in the bylaws,
Speaker 5: then they should pay for the pipe.
Speaker 2: What do they say about that? When you say, well,
Speaker 2: the bylaws say this is.
Speaker 6: Yours, they file acclaim with their insurance company. I've been
Speaker 6: in touch with everybody, and right, yeah, and what happened.
Speaker 6: It's been seventy seven days or more since the billing
Speaker 6: is you know, it's now way overdue, and since I
Speaker 6: signed the work order, which I would never recommend, by
Speaker 6: the way, to do with anybody until.
Speaker 5: You know, I know you're responsible for that and you
Speaker 5: had to pay or they're looking for you to pay.
Speaker 5: But if the HOA truly is responsible for that pipe,
Speaker 5: it seems to me that they should pay not only
Speaker 5: for the repair, but for the mitigation, but or excuse
Speaker 5: me for the property damage.
Speaker 2: I want to ask Brian.
Speaker 5: Burns, Brian, you guys have had to have come across
Speaker 5: something like this before, have you ever? Yep?
Speaker 11: Absolutely, And my first advice is going to be what
Speaker 11: do the bylaws say? Because not all the bye laws
Speaker 11: are same. Some of them will make you, you know,
Speaker 11: responsible for things outside of your unit, but the vast
Speaker 11: majority is, like she's saying, once these pipes or anything
Speaker 11: else leaves the unit, then you're no longer responsible. It
Speaker 11: now becomes an HOA issue. So I would surely think
Speaker 11: the HOA is responsible for it. But like you said,
Speaker 11: trying to get that money is tough as far as
Speaker 11: the damage to the neighbor. This is true with almost
Speaker 11: any loss. If it was something a bit more negligent,
Speaker 11: you know, let's say your pipe leaks in your house
Speaker 11: and goes down to the unit below, that does not
Speaker 11: necessarily mean that you're going you're going to have to
Speaker 11: pay for that. And the way that insurance works is
Speaker 11: that it's for liabilities, because in that case, your liability
Speaker 11: is what's paying for another unit. The only way that
Speaker 11: ever pays is if claim comes against you. In other words,
Speaker 11: you get sued for some reason, and that your insurance
Speaker 11: has to protect you. Whether or not they end up
Speaker 11: having to pay is then is their responsibility at that point,
Speaker 11: because they're there to defend you.
Speaker 5: But they're so so she wait, you're telling me her
Speaker 5: insurance no matter what. If she refuses to pay and
Speaker 5: they come after her, her insurance would have to defend her.
Speaker 11: Absolutely, it would have to defend her, but it doesn't
Speaker 11: have to pay them for the damage. They would have
Speaker 11: to prove that this is right.
Speaker 2: I understand that. I understand that.
Speaker 5: So what if they defend her, but in the end
Speaker 5: the court finds that she is responsible, would her insurance
Speaker 5: then have to pay?
Speaker 11: Yep, that would be liability that would have to be paid.
Speaker 11: There's not the same exclusions there is in her own
Speaker 11: units like seepage or slow water leaking. If they determine
Speaker 11: she is liable, none of those are factors anymore. It's
Speaker 11: now liability is what we're looking at.
Speaker 5: So so, Suzanne, your your home coverage was your carrier,
Speaker 5: state farm?
Speaker 2: Yeah? Okay, they have to defend the story.
Speaker 6: Does I should?
Speaker 5: Just Suzanne? I have not once stopped you from telling
Speaker 5: the story. So go ahead. What are we missing? Don't
Speaker 5: recap tell us what we're missing?
Speaker 6: Yeah, it's that The problem is that HOA definitely is
Speaker 6: I believe, and it's been determined they should be responsible
Speaker 6: with their insurance company. They did file a claim. Nobody
Speaker 6: is corresponding back to me to say when it's going
Speaker 6: to be resolved. And I'm going to be, you know,
Speaker 6: attacked by a collection agency and if my credit could
Speaker 6: get ruined very easily. If that, they're looking out for
Speaker 6: me right now.
Speaker 2: But the who's looking out for you right now?
Speaker 6: Not answering the mitigation company is not. They're just trying
Speaker 6: to get the HOA.
Speaker 9: Give them an answer about got it now?
Speaker 5: But you said one other all of that all of
Speaker 5: that you've said, as far as you said it's been determined,
Speaker 5: they put a claim in with their insurance. If that
Speaker 5: was the rest of the story, we knew that. Then
Speaker 5: you said you're afraid of being collected on. You had
Speaker 5: told us that before. That's what we're addressing that. We
Speaker 5: are telling you that if they come after you for collection,
Speaker 5: that's exactly what we have just told you.
Speaker 2: If they come after you for collection.
Speaker 5: I can't help the credit part of it as far
Speaker 5: as ruining your credit, but you can defend yourself through
Speaker 5: your insurance. If they come after you and then that
Speaker 5: other company or excuse me, then the HOA would have
Speaker 5: to determine your at fault. But you said it was determined.
Speaker 5: You said that three times. So here's what I need
Speaker 5: to know. When you say it was determined that it's
Speaker 5: the hoa's responsibility, who determined it?
Speaker 6: My insurance company, Well, they don't get to determine.
Speaker 5: They don't get to determine who's response onsibility.
Speaker 2: That is okay. When you said it was determined, that
Speaker 2: was confusing. You're you're right, so is the HOA.
Speaker 5: Susie. I promise you I'm not just doing this just
Speaker 5: to interrupt you. I swear to God, I know what
Speaker 5: I'm doing. I need to know this. Did the HOA
Speaker 5: agree it was their responsibility?
Speaker 6: They're not saying they're they're just not answering the question.
Speaker 6: I keep asking it, okay, and they say that they're
Speaker 6: waiting for the insurance company is waiting for a report
Speaker 6: from their adjuster. But I spoke at the adjuster and
Speaker 6: he submitted that to them. He says, like a month ago,
Speaker 6: and they're just not answering.
Speaker 2: And what did he say? His determination was dud. Did
Speaker 2: the adjuster say he agreed with you?
Speaker 6: I don't know. He wouldn't tell me what was said,
Speaker 6: what you said in the report.
Speaker 5: I want to tell you what's going to happen, okay,
Speaker 5: And here is what you need to know. The hoa's
Speaker 5: responsibility is not decided by your insurance or their insurance.
Speaker 2: It's determined by.
Speaker 5: The bylaws and the interpretation of the bylaws, which may
Speaker 5: need a court ruling their insurance adjuster. If the insurance
Speaker 5: comes back and says the HOA is not responsible or
Speaker 5: we're not paying, it doesn't mean that they're not responsible.
Speaker 5: It means that is their opinion, just like your insurance
Speaker 5: is telling you in their opinion, it's the HOA. The
Speaker 5: reason they do that is to avoid paying. So you're
Speaker 5: in the middle of this battle. And the point I'm
Speaker 5: making to you is you must be defended by your insurance,
Speaker 5: whether you are liable or not. That's good news. Your
Speaker 5: insurance must defend you. And unfortunate, Lee, you may have
Speaker 5: to go through a lawsuit. You may have to have
Speaker 5: the mitigation company file suit against you for your insurance
Speaker 5: to kick in their liability.
Speaker 2: Oh wow, I mean that might.
Speaker 5: But in the meantime, unfortunately, you may be reported as
Speaker 5: late payment. However, normally that should not happen if it
Speaker 5: wasn't determined. If that does happen where they try to
Speaker 5: report it to your credit report, you can dispute it
Speaker 5: based on the fact that it's in litigation. But this
Speaker 5: is the unfortunate part of it. Brian, did I miss
Speaker 5: anything or is that really it? The determination must be
Speaker 5: made by.
Speaker 11: The court agreed there, I say. The only thing, and
Speaker 11: I know you made a comment to this, Suzanne. The
Speaker 11: worst part of this to me is it sounds like
Speaker 11: you're the one that's signed the work order to have
Speaker 11: the mitigation done to your neighbor's unit.
Speaker 13: Is that right?
Speaker 11: Actually ordered that?
Speaker 6: Ye?
Speaker 11: So that yeah, that puts a little key thing because
Speaker 11: they haven't established anything yet yet. She put the request
Speaker 11: in like her hu Wa could say, well, we wouldn't
Speaker 11: have done this, we would have done it this way,
Speaker 11: you know what I mean.
Speaker 2: They're always right.
Speaker 5: I get it, I get it, or how do we
Speaker 5: know it's the best price right?
Speaker 7: Right?
Speaker 1: Right?
Speaker 11: And I don't And your insurance isn't going to pay
Speaker 11: if you've made a bad decision. You know, that's that's
Speaker 11: not liability. I'm saying she's responsible. She's responsible. But and
Speaker 11: I know you know this, Susan, I really wish you
Speaker 11: wouldn't have signed a work order for something that you
Speaker 11: didn't know who was going to pay.
Speaker 6: For Me too, I was just trying to do the
Speaker 6: right thing, you know. It's thinking that he was certain
Speaker 6: that it was my all my faults. And actually she
Speaker 6: signed it as well. I made her sign it.
Speaker 5: But then wait a minute, wait a minute, you both
Speaker 5: you both signed it.
Speaker 6: Yeah, but then she wrote on it not for payment
Speaker 6: on her part, so she was smart enough to say
Speaker 6: at least that, but yes, she signed it as well.
Speaker 6: I made her agree, you know, to sign and then
Speaker 6: I would sign too.
Speaker 5: You know, you may have to ask the mitigation company
Speaker 5: to do a a lawsuit to declare who's responsible.
Speaker 2: Okay, I don't know.
Speaker 5: This sounds crazy, but you may just to get it
Speaker 5: over with. You may say to them, look and you
Speaker 5: tell your insurance that if you get sued, you expect
Speaker 5: them to Now, now, Brian, can her insurance company actually
Speaker 5: refuse to defend her.
Speaker 11: Well, here's the thing, Tom, is we're talking about two
Speaker 11: different things here. She's she's not being sued by her neighbor.
Speaker 11: She's being sued by because she signed a contract at that. Okay,
Speaker 11: you're right, So that's not going to be insurance.
Speaker 5: You're right, You're absolutely right. She's going to be sued
Speaker 5: for contract breach.
Speaker 11: Oh god, she almost has to take the offensive to
Speaker 11: go after the HLA.
Speaker 2: Is what I would think she should.
Speaker 5: Well, technically she could pay that and then sue the HOA.
Speaker 5: Maybe if it's eight grand, you sue for seventy five
Speaker 5: hundred in small claims court just to keep you know,
Speaker 5: they may try to go to a higher court. But
Speaker 5: even if they do, they technically once you file in
Speaker 5: small claims court have to keep relaxed rules of evidence
Speaker 5: that might help you, or you hire an attorney, Suzanne,
Speaker 5: But I think Brian's right. It's not your neighbor suing you.
Speaker 5: It's going to be the company suing you for payment.
Speaker 5: And when they sue you for payment, it's not going
Speaker 5: to be for liability. It's going to be for contract breach.
Speaker 5: So you have to somehow defend yourself. So the best
Speaker 5: way might be to pay that and then take the
Speaker 5: HOA to small claims court for seventy five hundred based
Speaker 5: on your bylaws and hope that adjudge she's.
Speaker 2: It your way.
Speaker 5: I mean, now immediately the HOA is going to hire
Speaker 5: an attorney and they're going to try to kick it
Speaker 5: to a higher court, which is fine, but you still
Speaker 5: have to.
Speaker 2: Show with relaxed rules of evidence.
Speaker 5: They're called because you filed first in small claims court.
Speaker 5: They can't just do a slapsuit against you. They can't
Speaker 5: penalize you for that.
Speaker 2: You can show.
Speaker 5: If you can clearly show in your HOA bylaws they're responsible,
Speaker 5: maybe a judge will order them to pay you the
Speaker 5: seventy five hundred dollars.
Speaker 2: That might be the way to go.
Speaker 5: That might be the way to go to do that,
Speaker 5: to really bring it to a head, because otherwise you're
Speaker 5: going to end up in trouble.
Speaker 2: Brian, I appreciate it again.
Speaker 5: Home of the Insurance Checkup three h three nine nine
Speaker 5: six nine thousand.
Speaker 2: By the way, did I do the fifteen or not?
Speaker 5: For help me out? I'm so sorry, Shannon. We have
Speaker 5: more coming right 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 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 to seven to one help. You'll
Speaker 5: think you're his only customer when you choose Frank durand
Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three oh three nine two zero sixteen
Speaker 5: twenty two. Hi Tom Martino, you're a troubleshooter.
Speaker 2: Three oh three seven to to three.
Speaker 5: Talk Jim has an issue with air conditioning.
Speaker 2: Jim, what's going on with you?
Speaker 13: Hi?
Speaker 24: Jim, thanks for take Hey, thanks for taking my call.
Speaker 2: Yes, sir, what's going on?
Speaker 13: I've got it.
Speaker 24: I've got a six thousand square foot house. It's a
Speaker 24: walkout rant, so it's a you know, one story with
Speaker 24: a walkout base. But and I can my air conditioner
Speaker 24: blows cold, but it can run twelve hours non stop
Speaker 24: and not get me down below seventy six degrees.
Speaker 2: Jim, we're getting this complaint.
Speaker 5: We're getting this complaint this summer because the extreme heat. Now,
Speaker 5: let me ask you, somebody, does it happen? Are you
Speaker 5: noticing it just with this extreme heat? Or has it
Speaker 5: always been this way?
Speaker 24: It's kind of always been this way. If I've got
Speaker 24: a lot of windows, and I'm just wondering whether I've
Speaker 24: actually got a big enough air conditioner for the house.
Speaker 23: What do you think You said you have about six
Speaker 23: thousand square feet and do you just have one air conditioner?
Speaker 6: Yeah, I just have one.
Speaker 24: But but the basement is not you know, the basement
Speaker 24: always stays cool because it's you know, a walkout ranch.
Speaker 24: So I'm only trying to heat the upstairs.
Speaker 2: Flor well hold on, wait, wait, you said heat. You're
Speaker 2: meaning air now right, I'm sorry air?
Speaker 17: Yeah.
Speaker 5: May I asked you a question about Bob. Do you
Speaker 5: have vents in the in the in the basement. Yes,
Speaker 5: When you say you're only trying to cool Go ahead, No,
Speaker 5: I didn't.
Speaker 11: I take that back.
Speaker 24: I do not have the bedrooms pool area are not
Speaker 24: vented in the basement area.
Speaker 5: So your AC is only ducted to two floors, to one.
Speaker 24: Floor the upper floor.
Speaker 13: It's a you know, it's a ranch, so I don't.
Speaker 5: Have you have a six thousand square foot ranch on
Speaker 5: one floor six thousand feet or is it three.
Speaker 10: Thousand three and three three out?
Speaker 5: So really, then you're only trying to cool three thousand
Speaker 5: square feet?
Speaker 13: Yes?
Speaker 5: And is the downstairs the downstairs cut off to the upstairs.
Speaker 3: Heating wise or accessibility accessibility?
Speaker 2: Do you have doors that block it off?
Speaker 17: No?
Speaker 5: I do not, okay, And do you have windows? Is
Speaker 5: it a walkout basement?
Speaker 2: Yes?
Speaker 17: It is?
Speaker 2: Okay, go ahead, Yeah, I was.
Speaker 23: Just gonna you know, like we were talking about earlier,
Speaker 23: there's so many factors involved here. The best thing to
Speaker 23: do is get an expert out out there. But right now,
Speaker 23: what we're experiencing most manufacturers, and it doesn't you know,
Speaker 23: we're a carrier dealer. We we can do dyke in train,
Speaker 23: we can do anything. But carriers are number one manufacturer.
Speaker 23: But it doesn't matter who the manufacturer is they're gonna
Speaker 23: they're gonna tell you that their systems are really only
Speaker 23: designed to get to about twenty degrees below ambient temperature.
Speaker 2: So when no matter what.
Speaker 23: They are right, So when you have these extreme temperatures,
Speaker 23: the systems are gonna work overtime and do everything they can,
Speaker 23: but they may and especials.
Speaker 2: And especially if your home is not built right.
Speaker 23: Right, if it's if the system's not sized right, designed right,
Speaker 23: if your if your home isn't insulated properly, if you've
Speaker 23: got a lot of windows, all those factors that we
Speaker 23: were talking about the attic, then your problem is only
Speaker 23: gonna get worse.
Speaker 5: And you said something else. You said that the basement
Speaker 5: always stays cool.
Speaker 24: Yeah, yeah, a whole lot cooler than the upstairs.
Speaker 5: Well, a lot of the air is spilling downstairs.
Speaker 2: The cool air will drop and warm air will rise.
Speaker 5: Okay, And if your thermostat is in a place where
Speaker 5: it rises, you're you're always going to read a higher temperature.
Speaker 5: So so have you ever considered a whole house fan?
Speaker 5: And I'm not saying that's the panacea, but it certainly
Speaker 5: does help.
Speaker 24: Have you ever considered one the wife's considered them, but
Speaker 24: we had a We had one in our old house
Speaker 24: and I just hated the noise.
Speaker 2: Well, you're not going to get any noise with this one.
Speaker 2: I'll tell you. I have it on right now and
Speaker 2: I'm on the air.
Speaker 5: I want to ask something though, and that's why they
Speaker 5: call it quiet cool Again, I'm not I'm not trying
Speaker 5: to push a product. It really does work, now I did.
Speaker 5: I did notice something. I use it a lot, but
Speaker 5: when it's extremely hot out, even down here in the basement,
Speaker 5: it pulls in hot and it defeats itself.
Speaker 2: So you have to watch when you use it.
Speaker 5: You can use it a lot of the time even
Speaker 5: when it's apparently hot out, but when it's extremely hot out,
Speaker 5: it doesn't cool your house down.
Speaker 2: It brings the heat in.
Speaker 5: But it's still most of the time, eighty percent of
Speaker 5: the time fully usable either on low speed during the day,
Speaker 5: high speed mornings and nights, and it will definitely destratify
Speaker 5: your air. But there's something even more primary, And I
Speaker 5: put this post.
Speaker 2: On LinkedIn and on.
Speaker 5: Instagram and on YouTube, and it's all about the attic.
Speaker 5: Did you hear us talking about attic ventilation? I did, Yes,
Speaker 5: that is totally different. Than whole house ventilation if your
Speaker 5: attic does not have an independent ventilation system with properly
Speaker 5: spaced and sized vents. And by the way, eighty five
Speaker 5: percent of all roofs are underventilated under and it will
Speaker 5: put extreme pressure on your system.
Speaker 2: Extreme pressure.
Speaker 5: All right, Well, so Excel Roofing can check out your
Speaker 5: roof ventilation or or any well, you know, I don't
Speaker 5: know who else to call. I wish again, I wish
Speaker 5: our AC people did it. And I'm not pointing fingers
Speaker 5: saying they're bad people. I just wish they did because
Speaker 5: it defeats the very systems they're putting in. If they
Speaker 5: don't do that, in my opinion, if somebody came and
Speaker 5: did a brand new AC system for you and did
Speaker 5: not at least check your attic ventilation, they're asking for trouble.
Speaker 5: There's something else, Bob Bob Logan that I think you
Speaker 5: mentioned one time, called power venting.
Speaker 2: Does that ring a bell?
Speaker 5: Do you are there power vents that can move air
Speaker 5: better for some houses or are you no event fans
Speaker 5: in the vent or something that would boost airflow?
Speaker 10: Oh, you're you're talking about zoning systems with none.
Speaker 23: Necessary at least a boosting fans and the duct work,
Speaker 23: so you can you can do that. But really, again,
Speaker 23: if you have a if you have a well designed
Speaker 23: system and a and a good air handler, which your
Speaker 23: furnace can act as an air handler during the winter, during
Speaker 23: the summer as well, and it moves there properly.
Speaker 5: So again, even even when it's right, you're saying, on
Speaker 5: extreme heat like this, Bob, we're just gonna have some limitations.
Speaker 23: There are gonna be some limitations. And again that's where
Speaker 23: you know, I could do installation, and I'm looking at
Speaker 23: do an inlilation. But then you know, windows are a factor,
Speaker 23: you know, am I gonna.
Speaker 2: Yeah, there's only so much.
Speaker 5: There's only so much you can do right, so and
Speaker 5: roofing and you know, all addicts everything.
Speaker 23: There's so much to take into consideration. But you know,
Speaker 23: we're happy to go out and take a look at
Speaker 23: your system if that's something you want us to do.
Speaker 5: You know, for sure, I would check first the attic,
Speaker 5: then I would check the system, and I would consider
Speaker 5: a whole house fan.
Speaker 2: Those are the three things I would do.
Speaker 5: You're not the only one with this issue, Jim Listen,
Speaker 5: I have a whole house fan, okay, And with this
Speaker 5: extreme heat. Now, I've never noticed it because I didn't
Speaker 5: have anyone here. My daughter's here now and she said, Dad,
Speaker 5: it is unbearable. So I have a remote control where
Speaker 5: I can see the thermost and bob my AC. This
Speaker 5: is again on the extreme hot days where I couldn't
Speaker 5: run this. Even at night, it didn't cool down.
Speaker 2: So the whole.
Speaker 5: House fan can't. They can't manufacture cool right. So it
Speaker 5: was seventy eight and that damn air conditioner ran all
Speaker 5: day and I was going to call you and seriously,
Speaker 5: and you were coming here today and say what should
Speaker 5: I do? And I know what you're going to say, Tom,
Speaker 5: There's not much you can do. So I have excelled
Speaker 5: checking my ventilation in the attic because I never really
Speaker 5: did check this house. And I was always bragging about
Speaker 5: how my whole house fan blah blah blah blah blah.
Speaker 2: And it really does work. I'm not dissing it.
Speaker 5: But even on the hottest days that can only bring
Speaker 5: in hot air.
Speaker 10: It does.
Speaker 23: And the other thing it does, Tom, which works against
Speaker 23: your system, is it brings humidity in your air. So
Speaker 23: keep in mind and air conditioning the system, the way
Speaker 23: it's designed is removing here here my house. Every time
Speaker 23: you open your windows and use that system, it brings
Speaker 23: humidity in and it's starting over. So for me, I
Speaker 23: I keep all my doors and windows closed.
Speaker 2: Yeah, and you most of the day, you would, especially
Speaker 2: on these.
Speaker 23: Days and on days like today, I can maintain comfortable temperatures.
Speaker 2: Yeah, so listen, go ahead.
Speaker 24: Sorry, hey, Bob, do you do you're with plumb line?
Speaker 11: Is that correct, Bob?
Speaker 10: Yes, sir?
Speaker 24: And then do you have people that would come out
Speaker 24: and look at my house and see if the air
Speaker 24: conditioner is enough?
Speaker 13: Oh?
Speaker 23: Absolutely, yeah. We do what it's called a load heat
Speaker 23: load calculation, so we do a complete design to make
Speaker 23: sure that you're sitting in size properly. And if you
Speaker 23: want to give Kelly your number off there or she
Speaker 23: can give you our information, call and say you were
Speaker 23: on the show, and I'll send somebody out there.
Speaker 2: No charge.
Speaker 23: We're pretty slammed right now because of the heat. We'll
Speaker 23: get out there.
Speaker 5: By the way, I'm running away behind. I got to
Speaker 5: take this break on Tom Martino more coming up. Go
Speaker 5: with a sure thing Denver's best roofer Excel roofing dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation 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 talks seven
Speaker 5: one three eight two five five. Okay, So Andrew, what's
Speaker 5: going on with your twenty twenty one Mazda?
Speaker 13: So thank you for having me.
Speaker 21: By the way, my girlfriend me we bought a twenty
Speaker 21: twenty one Mazda thirty from the dealership in long month,
Speaker 21: and shortly after we bought it, it had a low
Speaker 21: engine light come on or low engine oil light come on. Yeah,
Speaker 21: so we took it to the dealership and apparently there's
Speaker 21: a not a recall. It's a TSB bulletin.
Speaker 5: Yeah, technical service bulletin. May I ask you something? When
Speaker 5: did you buy it?
Speaker 21: We bought it last year and I want to say
Speaker 21: may and.
Speaker 2: You bought it as is I suspect.
Speaker 21: Well, it was a certified pre owned and it had
Speaker 21: the warranty.
Speaker 2: Oh okay, okay, got it.
Speaker 21: They got it ended the warranty because of this, okay, okay.
Speaker 21: When we took it into them in October. It's a
Speaker 21: valve seal or issue. So the oil is blowing through
Speaker 21: into the exhaustion right out, so it's losing oil.
Speaker 5: So the TSB was for a new valve cover gasket.
Speaker 21: It's the valve seals.
Speaker 5: Valve seals. Sure, No, that's more. That's way more involved.
Speaker 5: So would it cover would it cover it?
Speaker 2: Well?
Speaker 21: So there was a class action lawsuit once we started
Speaker 21: to look into it, and apparently they're you know, if
Speaker 21: that low engine light comes on or that low oil
Speaker 21: light comes on, they are required to repair and replace
Speaker 21: the valve stains.
Speaker 5: Not necessarily, not Jim, not necessarily. Terms of class action
Speaker 5: suits are never that clear cut. There's usually a mileage limit,
Speaker 5: a number of owner limit, there's all kinds of limits.
Speaker 5: So I'm not disputing it, but I want to know,
Speaker 5: are you positive that the recall or the technical service
Speaker 5: below would cover you in that particular car at that
Speaker 5: particular time.
Speaker 21: Yes, and it did. We only had fourteen thousand miles
Speaker 21: on it.
Speaker 2: Excellent. We bought it excellent.
Speaker 21: So they fixed it in October excellent. Now a year
Speaker 21: later we get that same light issue. The same light
Speaker 21: came on and we took it to the mos To
Speaker 21: dealership here off of Colfax. They didn't have a loaner vehicle,
Speaker 21: so we weren't able to leave the vehicle.
Speaker 5: So after the after the manufacturer fixed it, how long
Speaker 5: did it last?
Speaker 21: Roughly like seven months?
Speaker 5: Okay, and then what happened the same thing after seven months?
Speaker 21: Yeah, the light came on before her oil her?
Speaker 2: No, but was it the same thing? Was it the
Speaker 2: valve seals again?
Speaker 1: Yes?
Speaker 2: And so are they going to redo them for you?
Speaker 21: Well, so they're giving us the run around, so we
Speaker 21: took them. We took the car to moz de McDonald
Speaker 21: in Littleton.
Speaker 2: All right, hold on one second, hold on, it's my
Speaker 2: own fault. I got behind here, but I'm going to
Speaker 2: finish up with you.
Speaker 5: Don't don't go away on, Tom Martine, go with a
Speaker 5: sure thing Denver's best rufer excel roofing dot com.
Speaker 16: You don't pay a cent until you're content, wait.
Speaker 5: Time for an insurance check up free, no obligation in
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three all three
Speaker 5: seven to seven to one.
Speaker 2: 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 all three nine two zero
Speaker 5: sixteen twenty two.
Speaker 2: All right, let's uh, let's.
Speaker 5: Continue talking anyway, Andrew, Here's what I need to know, Andrew,
Speaker 5: where does it stand right now?
Speaker 2: How can we help you?
Speaker 21: So we took it to Mosda McDonald on in Little
Speaker 21: King because I didn't have any faith in the last
Speaker 21: dealership because you know, they've already fixed it once. And
Speaker 21: when we got there, they told us that they wanted
Speaker 21: us to take and do an oil change on the
Speaker 21: vehicle and drive it twelve hundred miles. Okay, so we've
Speaker 21: all been reading on the internet. What they'll do is
Speaker 21: they will overfill the oil by a court because they
Speaker 21: say in twelve hundred miles, if it goes down by
Speaker 21: less more than a quart of oil, then they will
Speaker 21: repair the salves them together.
Speaker 5: All right, hold on, we're gonna we're gonna look this
Speaker 5: up to and be right back to you and more
Speaker 5: calls coming up. Go with a sure thing Denver's Best
Speaker 5: roofer Excel Roofing dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation Compared
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.
Speaker 25: Yeah, rid.
Speaker 1: News needed that. Who you don't have? Come running sious
Speaker 1: as fast as you can. Shooter's gonna help coming man,
Speaker 1: This is.
Speaker 4: The Troubleshooter Show. No Tom Martine.
Speaker 2: Hey, I'm Tom Martino.
Speaker 5: Welcome to the show brought to you by one Clear Choice.
Speaker 2: Garage Doors.
Speaker 5: The people that really and truly do a great job
Speaker 5: on garage doores twenty four to seven. If your door
Speaker 5: isn't closing right or opening right, get him out there now.
Speaker 5: If it's an emergency at night, they have twenty four
Speaker 5: to seven service. They also can help you with broken parts.
Speaker 5: They're one of the few companies that are truly approved
Speaker 5: for factory authorization on most doors one clear Choice doors
Speaker 5: dot Com all of their prices on their website seven
Speaker 5: two zero three seven zero thirty nine eighty seven one
Speaker 5: clear Choice stores dot Com.
Speaker 2: All right, let's go to the phones. Let's talk to you.
Speaker 5: If you noticed of your streaming Bob with me, Bob
Speaker 5: Logan from Plumbline Services, we were talking about plumbing, heating, cooling,
Speaker 5: electric trains, especially cooling. There are so many complaints. I'm
Speaker 5: getting more facts here. What do I do about this?
Speaker 5: What I do about that? They're all asking about upper floors,
Speaker 5: there really are. I'm gonna go to Tony, who has
Speaker 5: a question on this, and then we'll go back to
Speaker 5: this moz De problem.
Speaker 2: And then also we have a question on social security.
Speaker 5: Whatever is on your mind today, folks, give us a
Speaker 5: call three oh three seven one three talk. You can
Speaker 5: always call three oh three March you know as well,
Speaker 5: three oh three six two seven eight four sixty six. So, Tony,
Speaker 5: what is your question about attic and heating, heating and cooling.
Speaker 22: Yeah, so I got a new roof put on. It's
Speaker 22: got a ridge vent that was put on it. Good
Speaker 22: put the soft events. Uh, they haven't put soft events
Speaker 22: on it.
Speaker 13: The old saw.
Speaker 22: Before we put the roof on, there was no seff
Speaker 22: events originally.
Speaker 5: Well, my god, the ridge vent will do nothing without them,
Speaker 5: of course.
Speaker 22: Yeah, so they're going to install the soft events. Now,
Speaker 22: my question was, would there be any harm with me
Speaker 22: putting fans in the soft events that helped draw more
Speaker 22: of the outside air.
Speaker 5: You don't do it that way, but there's nothing wrong
Speaker 5: with drawing more outside air. What the way you do
Speaker 5: it is you put in the vents and then you
Speaker 5: put in a an attic fan, not a whole house fan,
Speaker 5: an attic fan. An attic fan goes on the roof
Speaker 5: and sucks air out of the attic and they're wonderful.
Speaker 5: I'm having one installed by Excel Roofing, and I'm having
Speaker 5: their solar stan put in that runs so it's not
Speaker 5: wired into the home. They drop it in, they they
Speaker 5: flash it and waterproof it and then it sits there.
Speaker 5: That's it, and it's constantly on and off. It's just
Speaker 5: all done by the sun.
Speaker 13: All right.
Speaker 5: Yeah, and it's a great it's a great idea. Now,
Speaker 5: I would not put them in the soppits. That's not
Speaker 5: where to put them for the most efficiency. You put
Speaker 5: them at the uppermost hot hot part. And even though
Speaker 5: you have a ridge ven you may or may not
Speaker 5: need it, but it'll never Let's put it this way,
Speaker 5: it'll never hurt it. I seek right, Tony. I'm glad
Speaker 5: you're doing that. It's going to help a lot. Okay,
Speaker 5: So when we're going back to Andrew andrew A twenty
Speaker 5: twenty one miles to under extended warranty, they didn't do
Speaker 5: the job right a seven months later not extended warranty,
Speaker 5: I should say, a technical service bulletin and it was
Speaker 5: fixed under the manufacturer.
Speaker 2: But then seven months later, same problem.
Speaker 5: So where do we stand now It's at another dealer,
Speaker 5: and are they going to fix it?
Speaker 2: They should.
Speaker 21: Well, so what they're doing is they told us to
Speaker 21: bring it back after they'd changed the oil in twelve
Speaker 21: hundred miles, and they said that within tolerance, it has
Speaker 21: to lose at least a court of oil for them
Speaker 21: to be able to do that.
Speaker 5: Yeah, that's right, and that's unfortunately all manufacturers have that.
Speaker 5: It's it's a quarter of oil every thousand miles.
Speaker 2: That's what they call excessive.
Speaker 13: Right.
Speaker 21: But we've read on the internet that what the dealerships
Speaker 21: will do to try and get around that is they
Speaker 21: will add an extra court to the motor.
Speaker 13: So before we.
Speaker 2: Left, well, well did they.
Speaker 21: Oil and it was a coot? Yeah, absolutely, they didn't.
Speaker 21: They even even pulled them out and they came and
Speaker 21: looked at it and they said, oh, yeah, no, it
Speaker 21: is a quart over and they took it back and
Speaker 21: drained it a quarter of oil. Again, good good, But
Speaker 21: I feel like they're trying to screw us.
Speaker 5: Well, you don't know that until you get your oil
Speaker 5: consumption back. I mean, if it's now filled to the
Speaker 5: proper level, and if it burns less than a quart
Speaker 5: in a thousand miles, whether you like it or not,
Speaker 5: that's the conditions you bought it under. That's the conditions
Speaker 5: and the owner's manual if it burns. And by the way,
Speaker 5: that's not just for that recall or that service bulletin.
Speaker 5: That's for everyone. I once had a friend who had
Speaker 5: a bunch of oil burned in four thousand miles and
Speaker 5: they said that what they call excessive is one court
Speaker 5: per thousand miles. Now, that is excessive, But that is
Speaker 5: what is in almost every owner's manual that they won't
Speaker 5: do any engine repairs un warranty unless they get more
Speaker 5: than that consumption. Now, I know what you're saying. You're
Speaker 5: saying that they they tried to get around it by
Speaker 5: adding oil.
Speaker 2: Well, yeah, you took.
Speaker 5: It out, so now you'd monitor your oil. I mean,
Speaker 5: did they fix it or not?
Speaker 2: Is the question? In other words, they haven't.
Speaker 5: Okay, So what are the symptoms right now?
Speaker 21: Well, the car runs fine. It's it's not a matter
Speaker 21: of the learning of the vehicle. It's just you know,
Speaker 21: the excessive oil that's being burned through the exhaust pile
Speaker 21: and has thirty eight thousand miles.
Speaker 2: On it right now, I get it. But first of all,
Speaker 2: those Masitas aren't good cars to begin with. So you
Speaker 2: bought it used. I'm not I'm not making excuses for them.
Speaker 5: I'm saying you bought it under certain conditions, man, and
Speaker 5: so it's used and they fixed it once. You're saying
Speaker 5: they didn't fix it adequately. Lee, the new dealer said,
Speaker 5: wait and see. So wait and see. What can I
Speaker 5: tell you the oil consumption? Have you monitored it since then?
Speaker 21: Well, so that's the thing is, we've always had the
Speaker 21: oil changes done at the dealership, and now you know
Speaker 21: we've always just kind of taken it for their work.
Speaker 2: But here's what you do.
Speaker 5: You don't if you have it, if you have your
Speaker 5: oil done, what every five or six thousand miles?
Speaker 2: When do you do your oil?
Speaker 21: About every five thousand miles?
Speaker 2: Okay?
Speaker 5: In five You can monitor your usage. You can monitor
Speaker 5: the dipstick before you take it to the dealer and
Speaker 5: if it's down more than a quart in one thousand miles,
Speaker 5: make a record of it.
Speaker 2: That dealer.
Speaker 5: That dealer has no reason to lie to you because
Speaker 5: that dealer will be paid by the manufacturer.
Speaker 21: Well, so they send us videos while the car was
Speaker 21: in the shop. They sent us videos that the service
Speaker 21: tech and in the video he goes over everything that
Speaker 21: they do to the vehicle and everything as far as
Speaker 21: the fluid levels that they pop off, and he claims
Speaker 21: and states in the video that prior to and after
Speaker 21: they did the oil change that the oil level was
Speaker 21: in between the two lines as per the manufacturer. But
Speaker 21: then when they gave it back to us, it was
Speaker 21: over a court full.
Speaker 5: But Tony, so, okay, so you still have to monitor it. Okay,
Speaker 5: you're gonna have to. I don't know what you want.
Speaker 5: They're not going to rebuild your engine. They're not going
Speaker 5: to put in new val siels. They just told you
Speaker 5: monitor it, so do it, drive it.
Speaker 2: One thousand miles and if it.
Speaker 5: Goes below a court then you know you got a problem.
Speaker 2: Okay.
Speaker 5: In other words, if it happened before, it'll happen again.
Speaker 5: I know what you feel like, Oh, I caught them
Speaker 5: in a lie. Okay, but I'm going to tell you something.
Speaker 5: They absolutely have no incentive to lie to you because
Speaker 5: the manufacturer under the TSB will.
Speaker 2: Pay them for the work.
Speaker 5: That they don't get a kudos from the manufacturer for
Speaker 5: screwing a customer. The manufacturer may not like paying for it,
Speaker 5: but the dealer likes getting paid for it. They don't
Speaker 5: care if you pay them or the manufacturer pays them.
Speaker 5: I think you're thinking that they're trying to plot against you. Now.
Speaker 2: Now, whether or not they.
Speaker 5: Overfilled it on purpose or it was a mistake, I
Speaker 5: don't really know. But I know this now that you
Speaker 5: know that monitor it and go to yet another dealer,
Speaker 5: but you monitor your own oil consumption to be absolutely
Speaker 5: sure you're getting the straight poop.
Speaker 21: You know, they put tamper proof tape on it or
Speaker 21: paints to make sure that we didn't pull the dipstick
Speaker 21: or drain the oil ourselves.
Speaker 5: Listen, Well, you're telling me that you're not allowed to
Speaker 5: check your oil.
Speaker 21: Basically, yeah, they want us to bring it back to
Speaker 21: them at twelve hundred miles.
Speaker 5: Well take it back at twelve hundred miles and insist
Speaker 5: on being there when they pull the dipstick.
Speaker 2: Okay, I mean, why not just say?
Speaker 21: I guess My question was like, you know, I guess
Speaker 21: I don't have any proof of them doing this prior
Speaker 21: to this, but it just kind of seems to me
Speaker 21: that they're just trying to shuffle it under the rug
Speaker 21: and not really get to the real issue of the car.
Speaker 2: You know what I'm saying, I know exactly what you're saying.
Speaker 5: You're saying you don't trust them, and I'm telling you
Speaker 5: now you can monitor it. Look at you might be right, Well,
Speaker 5: what it's only going to be another twelve hundred miles.
Speaker 2: Why is that so difficult for you?
Speaker 21: I mean, I guess I just don't, like you said,
Speaker 21: I don't trust them.
Speaker 5: But you're going to be monitoring it now along with them, right.
Speaker 21: But what I'm saying is, I guess I don't even
Speaker 21: know if they did the repair in the first place
Speaker 21: back in October, they could have just told me that, okay,
Speaker 21: they're just filling it over and oil.
Speaker 2: Here's what I'm saying.
Speaker 5: Even if they didn't do the repair, if in twelve
Speaker 5: hundred miles or one thousand miles or whatever, if you're
Speaker 5: down let like hardly any you're fine. If you're down
Speaker 5: more than a court, then you know you need more repairs.
Speaker 5: I can only say this. I'm not going to say
Speaker 5: it one more time. I agree with your distrust. Now
Speaker 5: monitor it for yourself and even go to another Maza dealer.
Speaker 2: I don't care.
Speaker 5: I mean, go wherever and and you know, but monitor
Speaker 5: it for yourself and see at the end of they
Speaker 5: said take it back in twelve hundred, and they said
Speaker 5: if it's down more than a quart, they're going to
Speaker 5: do it for you.
Speaker 21: Right they say that, yes, then.
Speaker 16: Let's do it.
Speaker 5: You're in on it now. And how stupid would it
Speaker 5: be if they said, no, you're not allowed to look
Speaker 5: when we check the oil. Of course they will. If
Speaker 5: they say that till you call me, I swear to God,
Speaker 5: we'll send someone down there with you. But don't assume
Speaker 5: that they're trying to screw you. They get paid from
Speaker 5: the manufacturer. Okay, after five times, can't say it anymore?
Speaker 5: Three oh three seven one three eight two five five
Speaker 5: again agree with them? Monitor it three? Now I said
Speaker 5: it six times? Shall I say it seven? Let me
Speaker 5: say it seven? Monitor it for twelve hundred miles and
Speaker 5: be a witness to it. Then you know if they're
Speaker 5: lying to you or not. We have more coming up
Speaker 5: on the Troubleshooter Show.
Speaker 2: I'm Tom Martino.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com.
Speaker 16: You don't pay a cent until you're content.
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 find out now three oh 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 oh three
Speaker 5: nine two zero sixteen twenty two.
Speaker 2: Hi, Tom Martino, is.
Speaker 5: Your troubleshooter three oh three seven one three talk seven
Speaker 5: one three A two five five B has a question
Speaker 5: about Social Security?
Speaker 2: Go ahead, be what's happening.
Speaker 7: Hi, Hi, I am curious. I was told to find
Speaker 7: out if my ex bouts can get social security from me,
Speaker 7: and he is at retirement age already collecting social security,
Speaker 7: but she said, you may want to check and see.
Speaker 18: If he can collect your social security. And the human
Speaker 18: being is because she would get more from me.
Speaker 2: That's possible.
Speaker 5: Now, the way it works is this, whoever's married to
Speaker 5: who doesn't matter, or whoever's married to whom. Here's the thing.
Speaker 5: Here are the conditions. The marriage must have lasted ten years,
Speaker 5: and to get full benefit, they have to be a
Speaker 5: full retirement age their retirement age, right, and then he
Speaker 5: is and you must be unmarried, so you can't be remarried.
Speaker 2: Is he remarried?
Speaker 1: No?
Speaker 5: Okay, Therefore, if they're entitled to social security anyway, they've
Speaker 5: been married ten years to you and then divorced, they're
Speaker 5: not remarried. They can apply for the spouse's retirement. Now
Speaker 5: what they get is half of that spouse's full retirement.
Speaker 2: Okay, half of it.
Speaker 5: Now, if it turns out that your social security or
Speaker 5: the social security he's getting is less than your half,
Speaker 5: then the way it technically works, he still gets his,
Speaker 5: and then he gets a supplemental check for the difference
Speaker 5: between his up to your half.
Speaker 2: Does that make sense?
Speaker 14: It does?
Speaker 5: Now, if he makes more than your half, he gets nothing.
Speaker 18: Okay, I got you. Should we still check into that though, that's.
Speaker 1: Up to him.
Speaker 5: I mean that it's not gonna been. You're very kind
Speaker 5: to worry about that. Let me ask you something. What
Speaker 5: is your benefit? Your full benefit? How much is it?
Speaker 2: Now? By the way, when you figure.
Speaker 5: Your full benefit, you got to add back in the
Speaker 5: premium you're paying for Part A and Part B of Medicare.
Speaker 18: It's like twenty three or twenty five. I've got to
Speaker 18: look at it.
Speaker 2: Let's say it's twenty five.
Speaker 5: Let's say it's twenty five, and then you subtract from that.
Speaker 5: You're subtracting from that your Part A and Part B
Speaker 5: of medicare, right, because that's yeah. So the only point
Speaker 5: I'm trying to make is you don't net the social
Speaker 5: Security payment. It's your gross Social Security payment before any deductions.
Speaker 2: You divide that in two.
Speaker 5: So if it's twenty five hundred, half of that would
Speaker 5: be twelve fifty. So does he get twelve to fifty
Speaker 5: a month on his own?
Speaker 18: Yeah, he gets more than that.
Speaker 2: Then he's not going to be eligible. But make sure
Speaker 2: what I want to I mean, yeah, I will, and
Speaker 2: then so.
Speaker 5: Because you want to help him if it's possible, right right, Okay,
Speaker 5: Well that's nice of you.
Speaker 2: That's the way you do it. So you would just
Speaker 2: fill out. In fact, there's a form that does it
Speaker 2: for you.
Speaker 5: If you fill it out for spousal benefits, it'll ask
Speaker 5: all those questions, how old are you, what are what
Speaker 5: is her benefit or his benefit?
Speaker 2: What is your benefit? Blah blah blah blah blah.
Speaker 5: So b thanks and again, as I said, it's very kind. Okay,
Speaker 5: three oh three seven one three talk seven one three
Speaker 5: eight two five. I got a question for Bob Logan
Speaker 5: on again. We're talking about heating and air and somebody asks, when.
Speaker 2: You keep the fan on all the time, does that
Speaker 2: use a lot of electricity?
Speaker 5: You're saying with an HVAC system, it's not a bad
Speaker 5: idea to keep air circulating, not just having it on auto.
Speaker 2: Does it use a lot of electric or are they efficient?
Speaker 2: Hold on thereic here you go, bar, Yeah.
Speaker 23: They're super efficient. You probably won't even notice the difference
Speaker 23: on your electrical build. Just a couple bucks a month okay. So,
Speaker 23: and the other benefit of that in equalizing the temperatures
Speaker 23: from the floors and the rooms, is that it continually
Speaker 23: filters your air, so you'll get better indoor air quality.
Speaker 23: And so on that note, I just want to say
Speaker 23: one more thing. The number one call we get during
Speaker 23: this time is clogged air filters.
Speaker 2: Now, how do they know they're clogged or they don't?
Speaker 2: Then you discover it.
Speaker 23: We discover it, right They call us because they're air
Speaker 23: conditioner or the furnace in the winter is not working.
Speaker 23: We go out there and they got a clogged air filter.
Speaker 23: So make sure you're changing those, especially with the fires
Speaker 23: and the pallens that we've lately. If you haven't changed
Speaker 23: it in thirty days, it's probably time to change it again.
Speaker 23: And so if you can, you know, hold it up
Speaker 23: to a light and if it has any discoloration, you
Speaker 23: should be changing it.
Speaker 5: And you like those wispy filters that led a lot
Speaker 5: of air through, right I do.
Speaker 23: I use kind of a medium grade so you can
Speaker 23: get you can get those high density filters for allergies,
Speaker 23: but especially during the summer. So a furnace or an
Speaker 23: air conditioner system needs airflow. It needs airflow to function properly,
Speaker 23: and more so during the summer your air conditioning system.
Speaker 23: That's where a lot of people get their their systems
Speaker 23: freezing up because they're not getting proper airflow, and so
Speaker 23: changing those out regularly is they're so inexpensive?
Speaker 13: You know?
Speaker 23: Yeah, an air filter is you know, six eight ten bucks,
Speaker 23: and I change mine every thirty days.
Speaker 5: Okay, okay, So that's Plumbline Services our guest today. Plumbline
Speaker 5: Services dot com. Three h three five eight six ten
Speaker 5: eighty six is our number, is their number? Our number
Speaker 5: is three oh three Martino three oh three.
Speaker 2: Six two seven eight four sixty six.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance check up free, no obligation.
Speaker 5: In comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three oh
Speaker 5: three seven seven to one help. You'll think you're his
Speaker 5: only customer when you choose Frank durand the real estate
Speaker 5: Man dot com to list your home with Remax Alliance
Speaker 5: three oh three nine two zero sixteen twenty two Hi
Speaker 5: Tom Martino, you're troubleshooter three oh three seven.
Speaker 2: One three talk Hey Mike? How are you? And Mike?
Speaker 2: How can we help you?
Speaker 13: Hey? Tom? I Over the years, I'm sure I've heard
Speaker 13: the story about what I should be doing. But we
Speaker 13: had hail damage to a car and took it in
Speaker 13: and got an estimate for thirteen thousand dollars. The insurance
Speaker 13: company said fine, and it's been in the shop for
Speaker 13: about a week. Apparently no work was done. But at
Speaker 13: any rate, today we got a call from the insurance
Speaker 13: company that they are totaling the car.
Speaker 5: Well, I would say when you said thirteen grand, I
Speaker 5: would say, wow, that seems appropriate, because unless that car
Speaker 5: is a lot of money, what is the car worth?
Speaker 13: Well, it's a twenty twelve Actorate MDX.
Speaker 2: And what is the value with that?
Speaker 13: Well, they claim it's nine or ten thousand trade in.
Speaker 5: Yeah, and okay, what they have to do they not
Speaker 5: trade and they have to give you what's called replacement
Speaker 5: value on an automobile policy.
Speaker 2: So you have to argue a little with them on that.
Speaker 5: I don't know what it is, but I don't I
Speaker 5: don't know if they're high or low.
Speaker 2: They're always low in the beginning.
Speaker 5: But it so they're saying it was worth that that
Speaker 5: the repairs are more than the than the actual car.
Speaker 2: Why did they wait so long to tell you that?
Speaker 13: Exactly? I don't know that you have.
Speaker 5: Thirteen thousand inhale damage? Yes, okay, so what is it?
Speaker 5: Let's look up this car? I mean, I don't know
Speaker 5: what it's worked.
Speaker 2: Did you look it up? Did you? You know?
Speaker 5: Nowadays with the with the damn Internet, you can look
Speaker 5: up anything, right, So did you look it up?
Speaker 13: You know? I figured I need to talk to Tom
Speaker 13: about that because I know there's ways around this, but
Speaker 13: I don't know.
Speaker 2: Well, there's no hold on. There's no way around actual value.
Speaker 2: Value is value? Is value?
Speaker 23: Is it?
Speaker 2: Is it just a straight MDX?
Speaker 13: Yeah?
Speaker 5: Okay, So let me look at what they're selling for.
Speaker 5: How many miles on it? One hundred, one hundred and
Speaker 5: it's a twenty twelve right, yes?
Speaker 17: H huh.
Speaker 5: Okay, most likely I'm trying to find out here twenty
Speaker 5: twelve these people are. I think they're a little low,
Speaker 5: but let me let me make sure, me like sure,
Speaker 5: I want to see what they're Okay, yeah, they.
Speaker 2: Seem to be really low. No, No, there's different ones.
Speaker 5: Depending on the mile. It's okay, see a twenty twelve
Speaker 5: for example, I'm trying to find one with your miles
Speaker 5: on it? About one hundred and twelve thousand? Did you say?
Speaker 5: Or what one hundred and something thousand?
Speaker 13: Right?
Speaker 2: One hundred thousand?
Speaker 5: Okay, all right, well i'm seeing here it's probably that's
Speaker 5: probably pretty accurate. They're about yeah, they're about ten to
Speaker 5: thirteen thousand, depending on for the Do you know what
Speaker 5: engine you have?
Speaker 2: Is it the three point seven?
Speaker 13: Yes?
Speaker 5: Yeah, yeah, that's about right. Bro, that's about right, about
Speaker 5: ten grand.
Speaker 2: Ok So they're right.
Speaker 5: They're not going to pay thirteen to repair a ten
Speaker 5: thousand dollars bait. What they have to do is give
Speaker 5: you average retail along with sales tax.
Speaker 13: Okay, retail as a opposed to trade.
Speaker 5: In that's right, replacements not trade in, that's right.
Speaker 2: Why are they quoting you trade in?
Speaker 13: Well?
Speaker 2: What did they wait? What did they say was? What
Speaker 2: did they say was trade in value? What was it again?
Speaker 2: They said it was worth.
Speaker 13: Like seventy dollars.
Speaker 5: Well, that's retail. So even though they're calling it trade in,
Speaker 5: that's about retail. That's what I'm seeing here because average retail.
Speaker 2: I wouldn't. Here's what I'm thinking.
Speaker 5: You add sales tax to that, and you know it sucks.
Speaker 5: Now you can keep it, you know, but you'll have
Speaker 5: to buy it back from them unless you don't. Let
Speaker 5: is it really heavily damaged?
Speaker 13: Well, no, it's got these little dings that you can't
Speaker 13: see unless you look at it in the sunlight.
Speaker 2: So let me in this.
Speaker 5: Are you really keep the car?
Speaker 13: Yes?
Speaker 6: And no.
Speaker 13: The wife has been wanting to trade it in for
Speaker 13: something new, and uh, you know, then you end up
Speaker 13: with a car that you're going to get repaired, and
Speaker 13: then you're not going to get it repaired. So we're
Speaker 13: kind of bouncing around like a.
Speaker 5: Okay, listen, if you were going to trade it in
Speaker 5: any way, then you're right in that you're then just
Speaker 5: take the money and trade and pay it. I mean
Speaker 5: you're not, You're at it. You're at no loss here, Okay.
Speaker 5: I mean I think there're being what's the name of
Speaker 5: your insurance company.
Speaker 13: It's through Triple A and they write for a bunch
Speaker 13: of different companies. I'm not sure.
Speaker 2: By the way, you can always call petty detail.
Speaker 5: Deputy Chopper told me that they're on referral Liss dot
Speaker 5: com and uh so petty details on our referral list.
Speaker 5: We'll give you a good they'll do a free service
Speaker 5: for you on evaluation of that car, and if you
Speaker 5: ever have to do a dispute, then you pay three
Speaker 5: to five hundred bucks or something and they act as
Speaker 5: you're expert. I don't think you're gonna have to go
Speaker 5: that far. Just call them for their free service and
Speaker 5: see what they say it's worth.
Speaker 2: Okay, but I.
Speaker 5: Think you're right in the ballpark. What kind of car
Speaker 5: are you looking at?
Speaker 13: Well, we have a Tesla so we oh man, hold.
Speaker 5: On, hold on, I was going to suggest you get a.
Speaker 2: Tesla Model three.
Speaker 5: They're a great deal right now and they're a great
Speaker 5: dependable car.
Speaker 13: Well, there you go. We have a we have an X.
Speaker 17: So you like the X.
Speaker 2: Do you like the X?
Speaker 17: Not me?
Speaker 5: No, she does so man, Yeah, the Model three is
Speaker 5: a really good bargain right now.
Speaker 7: Yeah.
Speaker 13: I like that car. We had one before we had
Speaker 13: the X.
Speaker 2: And also cars too. He is really good cars man, kis.
Speaker 13: So you know it's what are you talking about? Electric?
Speaker 5: Well, they have a good electric and they have good
Speaker 5: cars just gasoline cars.
Speaker 2: Are you looking to go to electric?
Speaker 25: Though?
Speaker 5: If you are, then I would stick with Tesla. I
Speaker 5: would personally stick with Tesla, although they you know, Kia
Speaker 5: and Hyundai both make really nice electric cars too.
Speaker 14: I got to chip into I love my new Hyundai.
Speaker 2: Oh, I was gonna yeah, I was thinking of you.
Speaker 5: You're you're you have the Corna the oh yeah, the
Speaker 5: Cone very very reasonably.
Speaker 14: Priced and it just it's a great car to drive.
Speaker 2: I love it.
Speaker 13: Okay.
Speaker 26: And by the way, before tax, the out the door
Speaker 26: price before tax and title was only twenty seven.
Speaker 13: I won't tell you what that X cost is.
Speaker 2: How much? How much?
Speaker 13: Oh it was ninety five thousand? Oh?
Speaker 2: Really?
Speaker 5: And that isn't that the one with the weird doors? Yep,
Speaker 5: that's what you're paying for sexy.
Speaker 13: Yep.
Speaker 2: It's a nice it's a nice for sure. It's an
Speaker 2: it's a nice one. Okay.
Speaker 5: So anyway, at least you got what you were looking
Speaker 5: for the price. I think they're treating you fairly. I'm
Speaker 5: Tom Martine. We have more coming up.
Speaker 17: Thank you.
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 content.
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 O 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 oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 2: Hi, Tom Martino, who are a trouble?
Speaker 5: Three seven on three talks seven one three eight two
Speaker 5: five five. Randy wants to talk about selling a car. Randy,
Speaker 5: Am I reading this correctly?
Speaker 1: Bro?
Speaker 2: You have a nineteen ninety four Geo Metro.
Speaker 13: Yeah?
Speaker 10: Yeah, how many miles are?
Speaker 25: But it's a good one and nine But at eighty
Speaker 25: thousand miles. We did a full service on the engine,
Speaker 25: did everything I needed, timing, belt gaskets, took the head off,
Speaker 25: kicked the valves everything.
Speaker 5: I was going to make a joke and tell you
Speaker 5: to drive it off a cliff, but it really is
Speaker 5: worth more than I thought. What do you think it's worth?
Speaker 25: I only want to sell it for twelve hundred bucks,
Speaker 25: you know.
Speaker 5: Oh my god, let me just let me say this.
Speaker 5: Who's ever listening? That is such a screaming deal. I
Speaker 5: can't believe it. How is the body?
Speaker 13: The body?
Speaker 25: The hood is dented in a little bit, but all
Speaker 25: the lights work. The driver Corny's an ex terrier door
Speaker 25: handle and within the next year is going to need
Speaker 25: a radiator and an electric fan.
Speaker 2: Now why do you say within a year?
Speaker 25: Because the fins in between the cores are starting to
Speaker 25: come out.
Speaker 5: Where can we get parts for this thing? I'm thinking
Speaker 5: about my Venezuela and friends. And again, I know there's
Speaker 5: a lot of going on about helping immigrants, but I'm
Speaker 5: talking about helping immigrants who help themselves.
Speaker 25: So it has brand new tires on it. The car
Speaker 25: is really in good condition for the age. You know
Speaker 25: it the hood dent it in, but the rest of
Speaker 25: the body's good. It has really dark tinted windows because
Speaker 25: it does not have AC but some erasing cells. Universal
Speaker 25: air conditioning unit that you can put in any car
Speaker 25: with an electric pump for four hundred and forty dollars.
Speaker 25: And I was going to put in it because I.
Speaker 17: Was going to drive it.
Speaker 2: But then how does that work? When you put it
Speaker 2: in any car?
Speaker 5: You mean you hook it to the existing heating and
Speaker 5: air system or does this sit free in the car or.
Speaker 25: What it sits free in the car, and it's really
Speaker 25: in an air conditioner. It mounts underneath to dash. You
Speaker 25: put the hoses through the engine firewall. Yeah, put the
Speaker 25: pump in there and hook it up to the battery
Speaker 25: battery and the battery runs the compressor you charged it
Speaker 25: up with free on.
Speaker 5: Come on, man, what a great idea. And you know
Speaker 5: I love Summit racing. How did you find out about them?
Speaker 25: Like I said, I was going to drive it, and
Speaker 25: I'm I'm six one, two hundred and sixty five pounds
Speaker 25: and I can't stand over eighty degrees. I swept my
Speaker 25: butt off.
Speaker 2: How long have you had this car?
Speaker 25: I've had it about two months now. Like I said,
Speaker 25: I just got it for me and I was gonna
Speaker 25: I know the owner that owned to the last four years.
Speaker 25: So the card in really good shape.
Speaker 5: Leave your name in the nine Okay, no matter what,
Speaker 5: twelve hundred bucks.
Speaker 2: Hell, even if you put a thousand into this one.
Speaker 2: You know, I'm gonna tell you. Coming up the.
Speaker 25: New radiator and fan, it's seventy eight dollars on Amazon.
Speaker 5: I'm gonna tell you, man, I'm going to tell you
Speaker 5: what they sell for coming up.
Speaker 2: I'm Tom Martine.
Speaker 5: Get your calls in three O 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.
Speaker 16: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation 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 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 oh
Speaker 5: three nine two zero sixteen twenty two oh with.
Speaker 1: News so you don't have come running just as fast
Speaker 1: as we can. Shooter's gonna help.
Speaker 15: Come man, this is.
Speaker 4: The trouble Shooter Show. No Tom Martino.
Speaker 5: Hey, I'm Tom Martino, your trouble shooter. Want to buy
Speaker 5: a ninety four piece of crap? Mea a geometro.
Speaker 2: I'm just kidding. Some guy called looking to sell a car.
Speaker 5: Randy, and I said, Randy, you're not gonna believe, but
Speaker 5: these are worth I misread it.
Speaker 2: It was the MSRP.
Speaker 5: I was reading seventy four hundred bucks that when they
Speaker 5: sold brand new in nineteen ninety four.
Speaker 2: He's got a ninety four metro. But I don't mean
Speaker 2: it's a piece of junk. It's not.
Speaker 5: He says it runs okay, and he's done the timing
Speaker 5: and all that stuff, and it doesn't have air. The
Speaker 5: front hood is dented, and he wants about twelve hundred four.
Speaker 5: What I'm seeing online is about that's about that's high.
Speaker 2: And then in.
Speaker 5: I had condition there about you know, two to five
Speaker 5: hundred bucks.
Speaker 2: So anyway you got it.
Speaker 5: You got to make up your own mind right nowadays
Speaker 5: to get any.
Speaker 2: Car that runs for twelve hundred and.
Speaker 5: Randy, you still there. He's looking to sell it. Are
Speaker 5: you still there?
Speaker 2: Randy?
Speaker 25: Yeah, I'm still here, all right.
Speaker 2: So you bought it? Did you buy it for yourself?
Speaker 5: And then did you buy it for yourself and decide
Speaker 5: you didn't want it or what?
Speaker 25: So this is what happened. I had a ninety nine
Speaker 25: dods Ram. It was a cling truck and the throttle
Speaker 25: got stuck wide open and shared the breaks. Long story.
Speaker 25: Truck almost killed me. So I needed a car. A
Speaker 25: friend of mine had this car. You had it for
Speaker 25: four years. Did all that work to it, put brand
Speaker 25: new tires on it. Ten at the windows, you know,
Speaker 25: redid the engine. He redd the whole top end of
Speaker 25: the engine except for the block because the rings were Okay,
Speaker 25: it had eighty thousand miles whenever he bought it, so
Speaker 25: in the last four years it's had twenty nine thousand
Speaker 25: miles put on it.
Speaker 5: But are you here that's original miles because everyone I'm
Speaker 5: seeing here has like two hundred thousand miles.
Speaker 25: Man, I guarantee it's originally I just my friend gave
Speaker 25: it to me after that happened to my truck and
Speaker 25: told me, you know, give me twelve hundred bucks for it.
Speaker 25: And not having a car and needing a car, I
Speaker 25: was like, okay, well.
Speaker 2: Here are some I'm finding some. I'm finding some.
Speaker 5: For sale with no body damage whatsoever and in relatively
Speaker 5: good condition, a little more miles one hundred and fifty
Speaker 5: thousand miles for about fourteen hundred bucks. Look at I'm
Speaker 5: not here to who cares twelve hundred and fourteen hundred thousand.
Speaker 5: I mean, all I'm saying is is I don't know
Speaker 5: if it's a fair price or not. All I'm saying
Speaker 5: is is that any car running is worth something. This
Speaker 5: one does have air in it though for fourteen hundred,
Speaker 5: No it doesn't.
Speaker 21: Wait a minute, no, no, that the one does come
Speaker 21: with air.
Speaker 25: You know they have like they have like thirty six
Speaker 25: horse paps of three cylinder engine. If yeah, the motor,
Speaker 25: you're gonna get like twenty miles of the gallon and
Speaker 25: you're not gonna be able to get out of your
Speaker 25: own way.
Speaker 17: Yeah.
Speaker 25: Because I found the car that had her conditioning, I
Speaker 25: was going to take everything off of it and put
Speaker 25: it in this car because it was cheaper than four
Speaker 25: hundred and forty bucks.
Speaker 5: But then I have a funny story about Geometros when
Speaker 5: they were brand new. I have a funny story about
Speaker 5: Geometros when they were brand new. I my mom was
Speaker 5: an older one, well really older. I mean she had
Speaker 5: me at forty three, so she was getting older and
Speaker 5: she wanted a car, another car, and I wanted to
Speaker 5: buy her brand new cars.
Speaker 2: I bought her brand new.
Speaker 5: Metro and I had it and I took it to
Speaker 5: her and she refused it.
Speaker 25: She said, my second one.
Speaker 1: Uh.
Speaker 5: Anyway, it was funny story. So I had to get
Speaker 5: her alumina at the time. Do you remember those that
Speaker 5: was a nicer car. Listen, So if we hear from
Speaker 5: anyone who wants to buy that for two twelve hundred bucks,
Speaker 5: what the hell right, we'll.
Speaker 25: Let I can I can knock the din out of
Speaker 25: the hood so it looks better, and I'll order the
Speaker 25: outside door handle for the driver's side.
Speaker 5: So yeah, whatever I mean, if we if we hear somebody,
Speaker 5: if we hear somebody who wants it, we can talk
Speaker 5: about it.
Speaker 2: But I appreciate you calling. Again.
Speaker 5: I've been helping some immigrant families who have jobs get
Speaker 5: cars and helping them to get on their feet, and uh,
Speaker 5: I'm going to think about this one for that.
Speaker 2: Again.
Speaker 5: You know, they they they're utilizing these cars to get
Speaker 5: to work.
Speaker 2: So it's something. But if anybody else wants it, give
Speaker 2: us a call.
Speaker 5: We uh, we're not we're not exactly a trade radio show,
Speaker 5: but it's fun. Every once in a while when people
Speaker 5: ask as something unusual, they call me and say, hey,
Speaker 5: do you know where I can get rid of this?
Speaker 2: So that's it. Thank you for calling.
Speaker 5: Three all three, seven, one, three eight, two five five
Speaker 5: A ninety four.
Speaker 27: So that's ninety four, twenty four and fourteen. It's thirty
Speaker 27: years old, thirty year old car. Wow, thirty year old car.
Speaker 27: But man, that you can get an eighty four?
Speaker 5: You can you can get forty let's say fifty to
Speaker 5: seventy for fifty year upon right. Yeah, if you got
Speaker 5: my car that I got out of high school, I
Speaker 5: would be more.
Speaker 2: Than fifty years old. What did you What was your
Speaker 2: first car? Bob Logan with plumb Line Services. What was
Speaker 2: your first car?
Speaker 23: My first car was a Monte Carlo that half the
Speaker 23: trunk was ripped. It was my sister's car and she
Speaker 23: got reranded by a dump truck, so so I got
Speaker 23: to buy it for salvage.
Speaker 5: My I inherited my mom's Pontiac Catalina and it was
Speaker 5: a piece of crap.
Speaker 2: It was gold. Pontiac Catalina was my very first car ever.
Speaker 26: Hey, Tom, mine too. I had a nineteen fifty six
Speaker 26: Pontiac vertible. Shows you how old I am?
Speaker 2: Did you buy? Was it new or what? Oh?
Speaker 26: No, it was it was used. But it costs me
Speaker 26: like a hundred bucks in those days.
Speaker 2: So I had to I forget what year that was.
Speaker 5: It was a it was when she was done with it,
Speaker 5: you know, Pottiac Catalina she had from new, but it
Speaker 5: was really old by the time I got it, and
Speaker 5: didn't last that much longer. But yeah, Pontiac Catalina, I'll
Speaker 5: never forget that. But I've owned such crazy cars in
Speaker 5: my time. One of the most crazy cars I've ever
Speaker 5: owned was.
Speaker 2: A SOB three cylinder.
Speaker 5: I think it was was a weird like either two
Speaker 5: or three cylinders.
Speaker 2: The SOB, the old SOB.
Speaker 5: And that was the first time I ever got ripped off,
Speaker 5: not buying it but selling it.
Speaker 14: It sounds to me like a SOB story.
Speaker 5: Tom oh fuck good one answer that, well, I gotta
Speaker 5: admit that one. That's the first time he's ever come
Speaker 5: up with. Here's what happened. I thought the transmission was
Speaker 5: failing on this SOB and it was slipping and all that.
Speaker 5: So I found a guy that wanted to buy it,
Speaker 5: and he was a mechanic, and I thought, he doesn't
Speaker 5: notice this transmission, you know. I mean, I didn't hide it.
Speaker 5: I just didn't tell him. I think I thought its
Speaker 5: slipping and at the time was in pretty good shape.
Speaker 2: It really was.
Speaker 5: I bought it for all right, and it's a cute
Speaker 5: little car. And then he bought it for six hundred
Speaker 5: bucks and he said, and then he as soon as
Speaker 5: he paid me, and he got the bill salely.
Speaker 2: So oh and under here is a lever.
Speaker 5: He went under the dash and it disengages the transmission.
Speaker 2: They used to do that when they were coasting the hills.
Speaker 5: I guess where it was from, so he said, And
Speaker 5: it was half in and half out. He says, I
Speaker 5: bet you thought I was buying a bad transmission.
Speaker 2: And he drove away. The car was in perfect condition.
Speaker 10: So you said he screwed you, but you were not screwed.
Speaker 2: I wasn't trying to screw him.
Speaker 5: I just wasn't volunteering everything, and he knew exactly.
Speaker 2: What was what was up with that.
Speaker 5: I also had a Honda six hundred sedan or six hundred.
Speaker 5: It was the first time they imported these Hondas. I'm
Speaker 5: not talking about like Honda's you know and love, I'm
Speaker 5: talking about Hondas with a motorcycle engine, right, And they
Speaker 5: called it a six hundred because it was a Honda
Speaker 5: six hundred cc engine.
Speaker 2: And I'll never forget this. I bought it.
Speaker 5: Brand new for eighteen hundred ninety five dollars when I
Speaker 5: was in college. I bought it to have a It
Speaker 5: was my first new car ever, and it was. And
Speaker 5: it was a tiny little car. It fit for people,
Speaker 5: you know, two in the front, two in the back.
Speaker 5: And I drove from college in Miami to New York.
Speaker 5: I went for spring break, I went the opposite, I
Speaker 5: went back home.
Speaker 2: To visit, and I drove.
Speaker 5: I swear to God from that back then in college,
Speaker 5: I drove from Miami to New York.
Speaker 2: And I spent ten dollars in gas.
Speaker 5: Can you imagine that? Ten dollars? And so I forget
Speaker 5: what I was paying for gant was getting. It got
Speaker 5: forty no excuse me, fifty to sixty miles a gallon,
Speaker 5: and it got it did it got like fifty miles
Speaker 5: a gallon? And I think what was a gallon? I
Speaker 5: guess seventy five cents maybe maybe I don't know, but
Speaker 5: whatever it was, I would have to do the math.
Speaker 5: But I remember about ten bucks in gas did not
Speaker 5: include tolls.
Speaker 2: I might have spent more in tolls than I did
Speaker 2: in gas.
Speaker 5: But that would be good for car Day to talk
Speaker 5: about your first car or some of the more unusual
Speaker 5: cars you've ever owned.
Speaker 23: And uh, I had a great what Dotson two ten
Speaker 23: station wagon Dotson dots in twos.
Speaker 2: The precursor to the Nissan, right, the Dotson.
Speaker 23: Yes, it was a it was two tone blue and rust.
Speaker 23: But for seven hundred bucks when I had two kids.
Speaker 23: So it did me well for a couple of years.
Speaker 5: Stephanie years ago had now this is before I knew her.
Speaker 5: She had at home in Arizona. She had Remember those pacers, Yes,
Speaker 5: they looked ugly as hell.
Speaker 2: They looked like little bubbles.
Speaker 5: She had a Pacer with a Southwest design, you remember
Speaker 5: the Southwest like whatever they are the Southwest seats.
Speaker 2: And it was orange.
Speaker 10: Oh that's horrible orange.
Speaker 2: I think she said.
Speaker 5: It was like a pacer. Yeah, that has to be
Speaker 5: the most ugly car ever made.
Speaker 2: What else?
Speaker 5: Now, I've had some pretty chute cool cars, but my
Speaker 5: craziest cars, yeah, that would be. That would be pretty crazy.
Speaker 5: The SOB was about the most.
Speaker 2: I had an MG tom Oh, No, I had an MG. Well,
Speaker 2: I borrowed an MBA.
Speaker 26: When I was a kid and I had my license
Speaker 26: suspended for thirty days and I didn't want to tell
Speaker 26: my future in laws, so I told them that the
Speaker 26: call broke down and they had to send to England
Speaker 26: for the parts.
Speaker 17: Geez.
Speaker 2: My sister had a little NG that I borrowed, and
Speaker 2: they were fun.
Speaker 5: They well, the ones that I this one was like
Speaker 5: the ones that looked like those little old fashioned cars.
Speaker 5: They were the qu'est cars in the world. The MG's
Speaker 5: were the coolest little cars. And once they boxed up
Speaker 5: and got that stupid ugly look, but those rounded fenders
Speaker 5: in the way they were, or those grills that looked like.
Speaker 2: The tiny Bentleys. That was when the MG was so cool.
Speaker 5: And she had one of those, and that was the
Speaker 5: coolest car I've ever saw in my life. But they
Speaker 5: never I have never met an MG that ran. That
Speaker 5: was the problem.
Speaker 1: Never.
Speaker 2: I never never could see one that would run well.
Speaker 5: Everyone was always stranded with them.
Speaker 2: Anyway.
Speaker 5: We got more coming up on The Troubleshooter Show three
Speaker 5: O three seven to one three A two five five
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 content.
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 all 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 all three
Speaker 5: nine two zero sixteen twenty two. Hi, Tom Marks, you
Speaker 5: know you're troubleshooter three all three seven to one three
Speaker 5: talks seven one three eight two five five.
Speaker 2: Randy, Go ahead, Randy, what's going on? Randy? Go ahead? Sir?
Speaker 13: Okay, thank you, Aery.
Speaker 2: I can't yes, sir, go ahead.
Speaker 13: I heard you talking about Randy to tell you what?
Speaker 25: Yes, Sir, I wanted to tell you what I got
Speaker 25: after that Deo Metro.
Speaker 2: What did you get?
Speaker 25: Eighty six Camaro with seventy nine thousand miles one owner
Speaker 25: in immaculate conditions?
Speaker 2: God? Where did you?
Speaker 5: Where did you find an eighty six Camaro with that
Speaker 5: many miles on it?
Speaker 13: Just lucky? I guess, like, I don't know.
Speaker 25: I owned an app and it was the second.
Speaker 13: Car on there.
Speaker 2: How much was it?
Speaker 13: What do you think it's worth?
Speaker 2: God? I'm trying to think. I'm I'm it has there.
Speaker 25: Talking, it has air conditioning, it's the V six unfortunately,
Speaker 25: but oh well that that cuts meres It does cut
Speaker 25: the value.
Speaker 2: But I don't know what is it?
Speaker 13: Where you're I've been told eight to.
Speaker 2: Ten grand, oh easily?
Speaker 25: Yeah, yeah, I paid fifteen dollars and traded a powerwasher.
Speaker 2: Are you always looking for weird deals? Is that your thing?
Speaker 1: So?
Speaker 25: I liked I liked one owner cars. All my cars
Speaker 25: for the last U sevent eight years has been one
Speaker 25: owners and they last me really, really well. I had
Speaker 25: a two thousand and two GMC Sierra with four hundred
Speaker 25: thousand miles on it. I drove it eighty miles every day,
Speaker 25: never overheated, never left me stranded. That was the best
Speaker 25: vehicle I've ever owned.
Speaker 13: In a drunk driver rear into.
Speaker 17: Me in it. Oh, I lost that truck.
Speaker 2: You know, Brandy, you know what I like?
Speaker 5: I like when I hear the stories about someone who
Speaker 5: finds some kind of find in a garage or in
Speaker 5: a barn where or a disgruntled this urban legend about
Speaker 5: this disgruntled woman who whose husband you know, she's getting
Speaker 5: divorced and she sells his uh ferrari or something. No,
Speaker 5: I don't think any of that's ever true, but I
Speaker 5: love hearing about deals.
Speaker 2: That kimaroized deal. How many miles were on it? Did
Speaker 2: you say?
Speaker 25: Seventy nine and sixty seven.
Speaker 2: See that specificity. That guy's really telling the truth.
Speaker 25: And in two thousand and five it had seventy six
Speaker 25: thousand miles tune up an oil change with a sticker
Speaker 25: put on underneath the hood at seventy six thousand miles. God,
Speaker 25: we got it from the original owner. She died, her
Speaker 25: son sold it.
Speaker 2: Well, thanks for calling man, I appreciate it.
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five Bob, this Texas for you. Is
Speaker 5: there any secret check to getting high pressure in low
Speaker 5: pressure shower head? Can you do something to get pressure there?
Speaker 13: Like?
Speaker 5: Do they make shower heads that increased pressure? It doesn't
Speaker 5: increase pressure, does it. It probably restricts flow and makes
Speaker 5: an appearance of pressure.
Speaker 10: Yeah, that's exactly what they do.
Speaker 2: But are they aerated or something?
Speaker 10: But yeah, you can go and get different shower heads.
Speaker 10: It'll help out with that.
Speaker 5: What about increasing he said, like, can you do like
Speaker 5: pressure a circuit? He's not saying circuit, he says, get
Speaker 5: high pressure to there without the whole house?
Speaker 2: Is there?
Speaker 10: Not that I'm aware of that?
Speaker 2: They don't make pressure tanks for parts of the house. Yea, No,
Speaker 2: not that I'm aware. Can you increase pressure in your home?
Speaker 2: You can Is it not wise? Is it not allowed?
Speaker 10: What do you do again?
Speaker 23: All new construction has a pressure regulating vowve. All old
Speaker 23: homes that didn't have one should have one.
Speaker 5: Now, now when you have one, If you don't have one,
Speaker 5: what's the city feed you?
Speaker 2: Well, where systems feed you.
Speaker 10: It's going to fluctuate. And typically, I mean I don't
Speaker 10: really know.
Speaker 23: You're maybe one hundred and twenty, one hundred and thirty,
Speaker 23: maybe one hundred and fifty during the summer because you're
Speaker 23: going to increase the pressure. What you're saying, we should
Speaker 23: have them on our homes, we should have them on
Speaker 23: our homes. And if they if they exceed seventy five psi,
Speaker 23: then then the pressure regulating valve isn't working. And so
Speaker 23: you can, you can reduce the pressure or raise the pressure,
Speaker 23: but if it gets above that, then the pressure regulating
Speaker 23: valve has failed. And a lot of people like high pressure.
Speaker 23: I mean I like it in a shower for example.
Speaker 23: Everybody likes high pressure. But that's what damages your system.
Speaker 23: It's like it's like having high blood pressure. Your body
Speaker 23: can sustain it for a little while, yeah, but then
Speaker 23: things are going to start failing.
Speaker 2: Okay, and then we have a question.
Speaker 5: Does auto insurance cover private owned vehicles working for door
Speaker 5: Dash or Amazon deliveries. The answer is yes if you
Speaker 5: tell them about it, but you have to pay for it.
Speaker 5: But normally these places have insurance that will cover you
Speaker 5: when you're on the clock or on the app, so
Speaker 5: you have your own and then this one kicks in
Speaker 5: when you're on the.
Speaker 2: App app, so ask about those.
Speaker 5: And then somebody asked about a shove are installed all
Speaker 5: the time, families with small children need them.
Speaker 2: Oh oh oh, he said.
Speaker 5: Tub showers are installed still all the time. See I
Speaker 5: talk against him. I think they're the ugliest things in
Speaker 5: the world, the kind you step over, the regular showers,
Speaker 5: the curtain, or those the ugly diffused doors. But they're
Speaker 5: saying people with kids they want a place to bathe.
Speaker 2: And it or hot soak in the winter.
Speaker 5: Except I think truly, he says, I use my tub
Speaker 5: to store water when our Vada shut off the water
Speaker 5: for a day for repairs. A lot of us use
Speaker 5: use water in a tub or use tubs. Here's the
Speaker 5: thing I believe. I believe they're useless, these tub showers.
Speaker 5: I say, get a shower and get a tub. I
Speaker 5: mean in a newer home. That's what they're mostly doing.
Speaker 5: The combinations are ugly. Oh, if you have a room,
Speaker 5: if you have the room, right, But if no, I know,
Speaker 5: obviously small all our homes need it. Here's tom I
Speaker 5: called bs on. Manufacturers don't pay the same amount of
Speaker 5: money for warranty repair. Oh okay, I said, don't distrust
Speaker 5: the dealer if you need warranty work, to talk you
Speaker 5: out of it because they get paid anyway.
Speaker 2: And this guy says, I called bs I.
Speaker 5: Know, manufacturers don't pay the same for warranty repairs as
Speaker 5: a customer would. But you see, this wasn't the case.
Speaker 5: They're not trying to get the customer to pay for it.
Speaker 2: They're trying. What they were trying to say is you
Speaker 2: don't need the work.
Speaker 5: So I don't think they were trying to screw this
Speaker 5: guy because they weren't trying to get him to pay
Speaker 5: for it. The manufacturer would have paid for it on recall,
Speaker 5: but they said he didn't need it. And I said,
Speaker 5: the only reason they would say that because they believe it,
Speaker 5: because they would get paid from the manufacturer. I wasn't
Speaker 5: saying that, or maybe I did say an error that
Speaker 5: the manufacturer pays them for the repair the same amount
Speaker 5: as a consumer.
Speaker 2: I don't think they do.
Speaker 5: If I said that I was wrong, I wasn't insinuating that.
Speaker 5: What I'm insinuating is whether the dealer does it or not,
Speaker 5: they will get paid by the manufacturer for warranty work.
Speaker 2: I have a question for plumbline for Bob. My Parker
Speaker 2: home has a raised floor basement.
Speaker 5: The floor is three quarter inch plywood and about two
Speaker 5: feet of dirt underneath, and there are pipes four inch
Speaker 5: diameter that come through the basement from outside. One just
Speaker 5: terminates a foot above the basement floor.
Speaker 2: I think these are those four inch Those are drains, right, okay?
Speaker 5: And it terminates above the basement floor. That's for a
Speaker 5: rough in a toilet. I think he said four inches
Speaker 5: aren't okay. Hold on, but he says to go to
Speaker 5: the plywood floor into a two foot dirt area.
Speaker 2: Three goes into.
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 content.
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 all three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: all three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: you're a troubleshooter. Three O three seven to one three
Speaker 5: talk Very Active show three oh three seven one three
Speaker 5: eight two five five MHO eight time on one of
Speaker 5: my YouTube war and says, I get eighty pounds uh
Speaker 5: EIGHTPSI for water in Denver.
Speaker 2: I got a shower head from Denver.
Speaker 5: Water that puts out a very nice high pressure spray
Speaker 5: for free.
Speaker 2: Go ahead.
Speaker 23: You can actually quest those, I believe, and they'll send
Speaker 23: you one for free, one per household, and they.
Speaker 5: Do cut restrict they'll flow a little to get that
Speaker 5: pressure flow.
Speaker 10: But there they're right that because I got.
Speaker 2: One and they're pretty good.
Speaker 10: Yeah, they're really good.
Speaker 2: Am I on Denver Water here? I don't know, I'm not.
Speaker 2: I'm on Cherry Creek something that's south.
Speaker 23: I actually lived in Highland's Ranche when I got mine,
Speaker 23: so I can.
Speaker 2: Just probably buy one anyway.
Speaker 5: He said, he tried to find it on Denver water site.
Speaker 5: He'll see if there's a model number. Yeah, thanks, get
Speaker 5: me a model number and a brand. I'll bet you
Speaker 5: Amazon has them. But you said the ones that offered
Speaker 5: a softened water with that cartridge, that doesn't really work
Speaker 5: on the showerhead, right.
Speaker 23: I don't see how it's going to soften the water. Yeah,
Speaker 23: you know it's it's going to remove sediment and minerals possibly,
Speaker 23: but which might might help. But it certainly isn't going
Speaker 23: to soften the water.
Speaker 2: Okay.
Speaker 5: Now, so the inline fan in these four inch pipes
Speaker 5: sound much like a mitigation for it, says, Can I
Speaker 5: add a four inch inline for the incoming floor pipe
Speaker 5: to generate more airflow into that raised area above the
Speaker 5: dirt or will this cause air balance issues? I can't
Speaker 5: see why they would want to do that though. Why
Speaker 5: you would want to bring in more air? I I
Speaker 5: don't get it.
Speaker 2: Is it to make it cooler? Is that what he
Speaker 2: wants to do?
Speaker 5: Can I add a four inch inline for the incoming
Speaker 5: floor pipe incoming to generate more airflow into that raised
Speaker 5: area above the dirt? But is that to keep don't
Speaker 5: I don't understand. Does it get really hot down there.
Speaker 5: Maybe is that what he's trying to do? Okay, anyway,
Speaker 5: you know, as far as it is a good point
Speaker 5: as far as air circulation and gen if you had
Speaker 5: a crawl space or a basement area, you need to
Speaker 5: keep that insulated from your house. If it's not if
Speaker 5: it's not heated or cool, you need to keep it
Speaker 5: insulated from the house. Really, you do shut off unless
Speaker 5: there are vents down there. Now, if there are vents
Speaker 5: down there and.
Speaker 2: It's unfinished, you really should close off those vents.
Speaker 10: Don't you think there are crawl spaces right that.
Speaker 2: We're no, Well, i'm talking about now, I'm talking about
Speaker 2: a basement.
Speaker 5: If you have an unfinished basement, Okay, in an unfinished
Speaker 5: basement that needs to be shut off if it's not
Speaker 5: heated or cool. Don't you think or I guess you
Speaker 5: could leave it open if it's cool in the summer.
Speaker 10: Right, you're talking about the vents now.
Speaker 5: No, I'm talking about the area itself, just a door
Speaker 5: leaning downstair.
Speaker 10: I would keep it on because again, if it's.
Speaker 2: We keep it on meaning what do you mean keep
Speaker 2: it on?
Speaker 13: Keep?
Speaker 10: Well, I mean i'd keep the doors open. If there's
Speaker 10: if there's.
Speaker 2: Oh okay, yeah, cool air down there.
Speaker 23: Right, If there's a returner, especially if there's a return
Speaker 23: air event down there, it's gonna pull that cool air.
Speaker 2: Back up there. And that's another thing. Furnaces have to breathe.
Speaker 5: I notice a lot of people store stuff sometimes in
Speaker 5: mechanical rooms that can choke down their system.
Speaker 10: Right, that can or a lot of times around your house.
Speaker 23: So typically the return error which pulls the air in
Speaker 23: is on your walls. Sometimes it's on your floor, but
Speaker 23: a lot of times people have.
Speaker 2: Went over there. Yeah, okay, were you behind that?
Speaker 5: Your couch shoved up against it is kind of some
Speaker 5: of it.
Speaker 2: But you're right, it's got to be open.
Speaker 23: Doesn't You need to pull it away from the wall
Speaker 23: a little bit so that your system can breathe.
Speaker 2: I got to turn that down. I agree with you
Speaker 2: on that. That is that is necessary.
Speaker 5: So return air are the greats you see about six
Speaker 5: inches above the floor, right, yep, six to eight inches
Speaker 5: above the floor, and their rectangle they don't look like
Speaker 5: a little vent like a heating vent. They look like
Speaker 5: a rectangle a grate. Correct, and you need to make
Speaker 5: sure they're clear. Those are return airs and sometimes when
Speaker 5: you guys go into check systems.
Speaker 2: You're getting a lot of calls now because of the heat.
Speaker 5: I'm do you get more calls for imbalance when it's
Speaker 5: heat or more calls when it's imbalanced in the cold?
Speaker 17: Uh?
Speaker 10: During air conditioning season.
Speaker 5: Yeah, that's when you notice how hot it is in
Speaker 5: a certain area. Okay, So in the times you check those,
Speaker 5: do you ever find there's just not enough air return?
Speaker 10: Quite often? Yes, especially if.
Speaker 2: But you can't just add a return air anywhere, can you?
Speaker 10: There are some Yeah, there are some things you can
Speaker 10: you can't add. You can add a return air, yes, what.
Speaker 2: You make one, but if there's not one up there in.
Speaker 23: For example, or increase the return air where it is
Speaker 23: is another one. Sometimes you can put a vent in
Speaker 23: above a door. You know, a lot of times people
Speaker 23: and children like, for whatever reason, it seems like the
Speaker 23: children's bedroom is always above the garage, which is always
Speaker 23: the hottest room in the house. And so because the
Speaker 23: kids don't need privacy necessary necessarily, you can put a
Speaker 23: vent in above the door to allow error that moves
Speaker 23: back and forth. Us they can sell their door closed,
Speaker 23: but eric will moved back and forth there. So there
Speaker 23: are some things you can do. But again, if you're
Speaker 23: having those issues, get an expert out, whether it's US
Speaker 23: or another reputable furnace and air conditioning company, and they
Speaker 23: can give you some suggestions.
Speaker 5: Alicia, what's going on with your sister real quick here
Speaker 5: and I'll take it after the break.
Speaker 2: What's going on? Let me get the right people on.
Speaker 15: She is evicted because we've been trying to pay her rent.
Speaker 15: She's in jail right now, and we've been trying to
Speaker 15: pay her rent and the manager is like avoiding us
Speaker 15: in every Do.
Speaker 2: You think she's being evicted?
Speaker 5: Do you think she's being evicted for lack of payment
Speaker 5: or that he just doesn't want her there because of
Speaker 5: the Does he know she's in jail?
Speaker 15: Yeah, and we've tried to contact her. She said that
Speaker 15: we needed to get normal to call. Well, she tried
Speaker 15: to call her and there's a block on there, so
Speaker 15: she can't call.
Speaker 2: Actually, believe it or not. Being in jail is not
Speaker 2: grounds for eviction.
Speaker 6: It's her boyfriend.
Speaker 15: She don't like her boyfriend.
Speaker 2: Wait a minute, does her boyfriend live.
Speaker 15: There too, No, he's been staying there to save the
Speaker 15: apartment for her and he's on way.
Speaker 2: She doesn't want him staying there.
Speaker 15: Yeah, she doesn't like him, okay.
Speaker 2: In other words, she wants him out of there. But
Speaker 2: is he on the lease?
Speaker 15: No?
Speaker 16: No, okay, hold.
Speaker 2: On, we'll come right back to you. I'm Tom Martino.
Speaker 5: Hold on, Alicia will come right back to you on
Speaker 5: the Troubleshooter Show. Go with a sure thing Denver's Best
Speaker 5: rufer Excel Roofing dot com. You don't pay a cent
Speaker 5: until you're content. Time for an insurance checkup free, no obligation.
Speaker 5: In comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three O
Speaker 5: three seven to 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 listen your home with Remax
Speaker 5: Alliance three oh three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino, you're troubleshooter. Okay, So Alicia your sister.
Speaker 5: How long has she been in jail by the way,
Speaker 5: three months?
Speaker 2: Okay? When will she be out?
Speaker 15: I don't know. They keep canceling gourt in Texas if
Speaker 15: they only have it once a month and they get
Speaker 15: canceled it too much.
Speaker 5: And is her lease here in Colorado? Yes, okay, here's
Speaker 5: what I want to tell you. If she when is
Speaker 5: the lease up?
Speaker 15: It's I don't know when it's up, I really don't.
Speaker 15: I just know that she wrote a letter giving permission
Speaker 15: to put Chad onto the lease her boyfriend.
Speaker 5: Oh, so what is the issue now? Is your sister
Speaker 5: being evicted right now?
Speaker 6: Yes?
Speaker 2: What is That's the reason for the eviction.
Speaker 15: Non payment of rent?
Speaker 2: Okay?
Speaker 5: Well, that's a good reason. That's one of the few
Speaker 5: reasons they can now get rid of people. So non
Speaker 5: payment of rent, and.
Speaker 2: What she instructed you to do was to pay the
Speaker 2: rent yep? Okay.
Speaker 5: On the non payment of rent? How many months are
Speaker 5: we talking?
Speaker 15: Three?
Speaker 2: Do you have the money to make it?
Speaker 15: Yes?
Speaker 17: Sir?
Speaker 2: What stage is the eviction in right now?
Speaker 15: It's already went to court. The judge did give say,
Speaker 15: tell Chad that it's up to the manager at this
Speaker 15: point whether okay?
Speaker 4: So they did not?
Speaker 2: Okay? When you went to court the hearing, who was there?
Speaker 2: Was he there? Chad? The boyfriend there?
Speaker 21: Yes, sir?
Speaker 2: Were you there?
Speaker 17: No?
Speaker 2: Did Chad offer to make full payment at that time?
Speaker 11: Yep?
Speaker 2: And the judge refused.
Speaker 15: No, So he said it was up to the management.
Speaker 2: That's well.
Speaker 5: Then the judge refused to say they had to take it.
Speaker 5: In other words, the judge said they can decide whether or.
Speaker 2: Not to take the payment.
Speaker 17: Yes first.
Speaker 5: In other words, they could proceed with the eviction if
Speaker 5: they wanted to. Yep, there must have been a reason
Speaker 5: for that. Do you know why the judge would have
Speaker 5: said that, were they see, we need to investigate this,
Speaker 5: because normally that would cure it. And I don't understand
Speaker 5: why they're not allowing them to cure it. So hold on, Kaschina.
Speaker 5: Let's get her on with Brad O'Brien if we can
Speaker 5: tomorrow and get a copy of the lease if we can.
Speaker 2: If not, we'll still get her on.
Speaker 5: By the way, plumb line services when they're not here,
Speaker 5: plumbline Services dot com three oh three, five eight six
Speaker 5: ten eighty six three oh three Martino to save all
Speaker 5: your problems for me.
Speaker 1: See me