Speaker 1: Yea ripped off needed.
Speaker 2: That's so you don't have.
Speaker 3: Come running just as fast as we can. Shooter's gonna
Speaker 3: help coming.
Speaker 4: Man Dix is the Troubleshooter Show. No Tom Martino.
Speaker 2: Hey, hey, hey Tom Martino. You're Troubleshooter. Welcome to the show.
Speaker 2: What's going on in your life? This is Car Day today,
Speaker 2: which means we have our car expert or experts, and
Speaker 2: we have Kevin Caulkin, Uncle Kevin from Sheridan Auto Tech.
Speaker 2: And then I see pretty Sus sitting there along with
Speaker 2: pretty Mark, and uh, welcome to the show. How about
Speaker 2: pretty Doc? Now, oh, I don't see I don't see you, Doc.
Speaker 2: I think they purposely kept you off camera. It's a
Speaker 2: little off balance there. Whoever framed that shot? For those
Speaker 2: streaming YouTube, go to YouTube, just move it over a little, thanks.
Speaker 2: Su Sus is coming up to move that. By the way,
Speaker 2: let me talk to everyone. Did we make a mistake?
Speaker 2: So I remember one time watching this guy back before
Speaker 2: it was popular, and he was an artist painting on
Speaker 2: a canvas and he was doing it to rock music.
Speaker 2: I forget this guy's name. I think it was Anyway,
Speaker 2: So I'll think but anyway, so he's doing rock music
Speaker 2: and making scribbles on this canvas, and you think he's
Speaker 2: a nut, and you think, get rid of this cat,
Speaker 2: get rid of this cat. He's crazy. This is not art.
Speaker 2: So then what happens is, Yeah, his name was Denny Dent.
Speaker 2: I think he died, Yeah, he died. Anyway, Danny Dent
Speaker 2: was making all these scribbles and it looked crazy. It
Speaker 2: looked like he didn't know what he was doing. He
Speaker 2: looked like he was insane, and he looks at the
Speaker 2: audience like, hey, how am I doing? You know, and
Speaker 2: people would clap and we thought, what is this? Maybe
Speaker 2: it's just modern art. Then toward the end, he turns
Speaker 2: it upside down and it's a portrait of someone mark.
Speaker 2: Have you ever seen this guy? Has anyone ever seen
Speaker 2: this guy? Deputy Doc and I have not? Okay, now
Speaker 2: what am I liking in this too? Well, Trump's got
Speaker 2: some paintbrushes in his hand and he's painting. But I
Speaker 2: don't know if I should be afraid because all hell's
Speaker 2: breaking loose and it's going to be the ugliest thing
Speaker 2: in the world, or he's suddenly going to adjust things
Speaker 2: for us to see. It is a ladder, it's terrifying.
Speaker 2: It's terrifying.
Speaker 5: Watch the Dow drop over three thousand points in two days.
Speaker 6: Now, it is terrifying. But I have my I have
Speaker 6: go ahead.
Speaker 7: You want to hear some of the tariffs and other
Speaker 7: countries place on US goods.
Speaker 8: Let me give you a rundown.
Speaker 7: Vietnam is forty six percent, India's twenty six percent, Switzerland
Speaker 7: thirty one percent, Indonesia thirty seven percent, Japan twenty.
Speaker 2: No, wait, doc, doc, are you saying are you saying
Speaker 2: that before this trade war those were in effect?
Speaker 9: Yes?
Speaker 5: Yeah, we all know it's not fair. But man, was
Speaker 5: this quick? Here's here's what. I thought we'd be a
Speaker 5: little up today, honestly from yesterday. But when China hit
Speaker 5: us back with that thirty four percent, what's going to
Speaker 5: be interesting is what our move is next with China.
Speaker 6: The rest of it I don't worry about. I mean, hell,
Speaker 6: we're there.
Speaker 2: Do you believe just one quick question before I get
Speaker 2: into what I wanted to say, do you believe that
Speaker 2: a president should have that power?
Speaker 6: Absolute?
Speaker 2: Laterally? Absolutely? You don't think Congress should be in on
Speaker 2: these tariffs? No?
Speaker 6: Not on the tariffs? No, not at all.
Speaker 2: Okay, Now here's what I want to say. So we
Speaker 2: have all of this happening, and does he know what
Speaker 2: he's doing? Is he a genius? Or is it? And
Speaker 2: then another thing, even if his plan does work, it's
Speaker 2: gonna take three or four years. No, So is.
Speaker 6: He not bring the stock market back?
Speaker 10: No way, three or no.
Speaker 2: No, No, not to mark, Not for the stock market.
Speaker 2: I was talking about.
Speaker 10: For manufacturing, building plants and everything else.
Speaker 6: Yeah, but look at all the money, Look at all
Speaker 6: the pledges. At least of money coming in.
Speaker 5: I mean Apple five hundred billion dollars to.
Speaker 10: Four years to get that money.
Speaker 2: That's true, that's true.
Speaker 6: But it's gonna be here, yes, yes, Okay.
Speaker 2: So I have Pat Jolive with me, he's my chief
Speaker 2: investment officer over at Wave eight Wealth Management. We're talking
Speaker 2: about the market. And one thing he noted is, and
Speaker 2: by the way, Warren Buffett always believed, these are the opportunities.
Speaker 2: This is when you buy. This is when you go
Speaker 2: out and find quality companies and you buy. It's just
Speaker 2: explained Pat explained that, I mean, a quality company didn't
Speaker 2: go bad all of a sudden.
Speaker 6: So are you looking for bargains?
Speaker 2: Yeah?
Speaker 11: Absolutely, that there's a major sell off going on. If
Speaker 11: you've got cash or in position of strength, that would
Speaker 11: be the time to be investment.
Speaker 2: And when it bounces, you make big.
Speaker 12: Hey, you want to be there for sure.
Speaker 2: Now we were talking about a lot of people don't
Speaker 2: take Warren Buffett's advice and they sell.
Speaker 6: And then once you sell, you lock in your loss.
Speaker 2: Okay. So there's a lot of people who sold to
Speaker 2: a point where we have more cash than in history.
Speaker 2: Mark you you understand it goes from stocks and bonds
Speaker 2: to cash, cash to socks and bonds, back and forth.
Speaker 2: When when the expression going to cash means that you
Speaker 2: sold and you're sitting on cash, right, and that sits
Speaker 2: in your investment account as cash, right, Yes, and in
Speaker 2: some investment accounts you make like four percent or something
Speaker 2: depending on Okay. So some of these people are a
Speaker 2: lot of them, more than ever, have sold off and
Speaker 2: are at cash. But here's something you need to know.
Speaker 2: The more cash sitting on the sidelines, the bigger the comeback. Right.
Speaker 11: Explain that, Well, that's true, and it's not just individuals,
Speaker 11: as a matter of fact, it's probably more institutional excuse
Speaker 11: me type money of the pension funds and so on,
Speaker 11: and so they have known liabilities in the form of
Speaker 11: defined benefit pension plans, and they have to have the
Speaker 11: market or the money in the market eventually to keep
Speaker 11: pace with what their future liability is.
Speaker 2: And so but it has to go back to the market.
Speaker 2: It has to go back there. I mean, no one,
Speaker 2: you can't run the country when you have a retirement
Speaker 2: fund or you have a giant fund or you know,
Speaker 2: you have to go back. So if you're in cash,
Speaker 2: they're going to go back, absolutely. And that represents great
Speaker 2: selling opportunities, right, I.
Speaker 11: Mean, well, it represents great buying opportunities in the market.
Speaker 2: Cash is buying now. But when cash comes into the market,
Speaker 2: the market is going to rebound in a big way.
Speaker 12: Absolutely.
Speaker 11: And then you know, you look at it from the
Speaker 11: other side, and the value that you have in the
Speaker 11: investments that you that you own in your portfolio, that
Speaker 11: value is going to increase, and then you can you
Speaker 11: can start looking to your point of taking some profits
Speaker 11: and making sales and so on. But it's it's this
Speaker 11: is a sort of an unprecedented thing, and the market
Speaker 11: does not like unknowns, right, and so.
Speaker 2: So anyway, we're going to go to callers three or
Speaker 2: three seven one three talk about Mark really, what's going
Speaker 2: to happen now, because a lot of the big forecasters
Speaker 2: have said, instead of being at sixty eight at the
Speaker 2: end of the year, we're going to be at five
Speaker 2: thousand or fifty two hundred or whatever. Then what you
Speaker 2: have are people then being hesitant. And it calls what
Speaker 2: and I call the whole thing perception omics, because perception omics.
Speaker 5: Well, not one thing, value, not one thing has changed.
Speaker 5: If you stop at Walmart, King Christ today, there's not
Speaker 5: a damn thing.
Speaker 2: It's exactly the company didn't suddenly go bad.
Speaker 5: That Ford or Chevy cost me the exact same amount
Speaker 5: of money it did last week.
Speaker 2: Well, yeah, but the perception is going to keep going
Speaker 2: and going going, and and great companies who have stock values,
Speaker 2: the stock's going to go to the Well, what's going
Speaker 2: to have to tell you to stay?
Speaker 5: It's going to be great for the big companies. And
Speaker 5: I'll tell you why. Their stock price is going to
Speaker 5: go down. They're going to start buybacks. Then the price
Speaker 5: is going to go back up to where it was
Speaker 5: a few days ago, and.
Speaker 6: You're going to own a lot more of their own company.
Speaker 2: Right, Ryan, what's going on with you?
Speaker 13: Ryan?
Speaker 2: Welcome to the show.
Speaker 9: I'm Tom Martino, Hey, thanks for taking my call just
Speaker 9: real quick.
Speaker 14: I love the show.
Speaker 9: I listened to you pretty much daily. But uh, I'm
Speaker 9: thank you. She got she got scammed, and uh.
Speaker 2: How did she? How did she get scammed?
Speaker 9: So the PCH Publishing and Clearing House, She said that
Speaker 9: she was at some point anyway she got so.
Speaker 14: She thought this was legit.
Speaker 9: She gets a direct phone call from this guy gave
Speaker 9: her her his name and everything from a four to
Speaker 9: seven zero number. Anyway, long story short, he got her
Speaker 9: saying that she's won millions of dollars at twenty twenty
Speaker 9: five Chevy four by four blah blah blah. But in
Speaker 9: order to release the prize money, you know how the
Speaker 9: scam goes, you're gonna have to give us so much money.
Speaker 9: They first first wanted her to give her two thousand.
Speaker 9: She didn't have that.
Speaker 6: Now, why did they want the money? What was the money?
Speaker 2: What excuse did they give for the money?
Speaker 9: From what she told me, it was like delivery fee
Speaker 9: on the truck and to release the prizes basically with
Speaker 9: a release all right, you hold on.
Speaker 2: I want to hear what happened. I want to hear
Speaker 2: if there's anything we can do you know so many
Speaker 2: people right now are being scammed. They say this error
Speaker 2: has more scamm billions and billions of dollars a year
Speaker 2: go to scammers. It's amazing to me. I'm Tom Martinez.
Speaker 2: We're going to talk about that and more coming up,
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Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax Alliance three all
Speaker 2: three nine two zero sixteen twenty two. Hey Tom Martino
Speaker 2: here three o three seven one three talk seven one
Speaker 2: three eight two five five. Ryan says his friend was
Speaker 2: talked into paying some money for a prize from the
Speaker 2: publisher's clearinghouse. By the way, this is one of the
Speaker 2: more common scams, and it's called pay to win, and
Speaker 2: they tell you you already won, but you have to pay.
Speaker 2: Now it's either sales tax you have to pay, or
Speaker 2: processing fees or income tax. They give you some BS story,
Speaker 2: but you're thinking, what's wrong with a few grand when
Speaker 2: I'm going to make hundreds of thousands? So Ryan, in
Speaker 2: this case specifically, how much did they say she one?
Speaker 14: Total?
Speaker 9: They said that she want a pickup truck and about
Speaker 9: eighteen million, and that she would get.
Speaker 2: Oh wow, ten dollars eighteen million? Okay? Now, now how
Speaker 2: much did she pay?
Speaker 14: Okay?
Speaker 12: So total?
Speaker 9: Was she only got due for seven hundred and fifty dollars?
Speaker 6: Thank god?
Speaker 2: Now when did you get aware of this? And did
Speaker 2: you tell her not to do it? Or what?
Speaker 9: I was made aware of it after the fact and
Speaker 9: she was okay?
Speaker 2: And why was her loss only seven hundred? Talked about
Speaker 2: how she went into the deal and the seven hundred
Speaker 2: and why it was only seven hundred go ahead.
Speaker 9: Okay, So this guy calls says, I am from publishing clearinghouse.
Speaker 9: You want all these prizes. In order to get the prizes,
Speaker 9: you have to pay us. You know, I think they
Speaker 9: told her at first two grand, and she's like, no,
Speaker 9: I can't, but this is.
Speaker 2: An old old one.
Speaker 6: I mean, I'm shocked.
Speaker 2: Anyhow, I know for this, I know, I know, keep
Speaker 2: going when I keep going.
Speaker 9: When I heard it, I was like, wow, Sue that
Speaker 9: you can't.
Speaker 2: Yeah, but keep going with her story. So so she
Speaker 2: said I can't pay.
Speaker 9: Two grand, right, and so she ended up paying seven
Speaker 9: to fifty. Well, and the way that they did that
Speaker 9: was they texted her a PayPal screen and had her
Speaker 9: go and put five hundred dollars on the PayPal screen
Speaker 9: that they texted from a different number. By the way,
Speaker 9: this came from a different number.
Speaker 15: So she put the five.
Speaker 9: Hundred dollars because that's all PayPal would allow in a day,
Speaker 9: is five hundred. Then they said, well, in order to
Speaker 9: get the other two fifty, you need to go buy
Speaker 9: one of these money packs, which is like a debit
Speaker 9: card thing. And right on the bag, I said, beware
Speaker 9: of scammers.
Speaker 2: With bigod bread.
Speaker 9: Anyway, she paid the extra two hundred and fifty on
Speaker 9: that scratched off the back. It gave the guy the
Speaker 9: number and boom ran off and then number with the
Speaker 9: money's gone. Then yesterday, just yesterday. This happened on March
Speaker 9: twenty seven. Yesterday, when she's telling me this story, he
Speaker 9: calls and I said, don't answer it, just because I
Speaker 9: was going to rip into him.
Speaker 2: But I was like, man, hey, does she have a
Speaker 2: number where we can call this guy?
Speaker 9: Yeah, I have a number. I have a couple numbers.
Speaker 9: You want me to tell you?
Speaker 2: I want you to give them to him. I want
Speaker 2: you to give me off the air. I want you
Speaker 2: to give him.
Speaker 6: Or they're all I mean, there are people sitting in Jamaica.
Speaker 2: Right, And so what did did she ever talk to
Speaker 2: this guy again?
Speaker 9: I think she's been ignoring him, but he's been calling
Speaker 9: her back. And he called her back yesterday when she
Speaker 9: was telling me this whole story, and I said, don't answer.
Speaker 2: What does he want now? So he does he know
Speaker 2: that she's hip to the SCAN?
Speaker 9: I think he does now, because actually he did call
Speaker 9: back and I answered it for her, and I said, hey,
Speaker 9: this is the FBI Fraud Department.
Speaker 2: How may I help you, and what did he do?
Speaker 14: Now? I scared him off?
Speaker 2: But oh yeah, now he probably You know what though,
Speaker 2: I want to get that number off the air.
Speaker 6: Where do you think he's calling from? Did he have
Speaker 6: an accent?
Speaker 14: He didn't really have enough.
Speaker 9: He didn't have an accent. But the two numbers that
Speaker 9: I got, the number that he called from is a
Speaker 9: four to seven zero number area code, and then the.
Speaker 2: Those numbers mean nothing. They mean nothing, right, and then
Speaker 2: the other numbers. But I have two numbers. So what
Speaker 2: were you calling about? Were you? Were you?
Speaker 6: Does she realize she just lost that money for good?
Speaker 12: Well, that's what I told her.
Speaker 9: But I told her I would call you guys, just
Speaker 9: to see if there's anything that she can do.
Speaker 2: I said, you know, not in this case. That that
Speaker 2: debit card is prepaid, it's gone. And and the other
Speaker 2: one the PayPal, Hey she paid. Now she might want
Speaker 2: to try PayPal. I mean, I don't know. I see,
Speaker 2: I have very little knowledge of PayPal. Mark do you
Speaker 2: know about PayPal? Do you think they'll give her money back? Hell? No?
Speaker 9: Now, I mean I had the barcode. She took a
Speaker 9: screenshot of the barcode that she sent it to and.
Speaker 2: Wait But let me just say something, Tom.
Speaker 7: They won't give it back because she wasn't he the
Speaker 7: caller did not take the money from her.
Speaker 2: She voluntarily gave.
Speaker 14: Him the money, gave him the money.
Speaker 5: Well, how do you know they won't How do you
Speaker 5: know they because we've never seen it happen in fifteen Yeah,
Speaker 5: you know I've had that would be So what you're
Speaker 5: saying is PayPal. And I know you're not saying this time,
Speaker 5: but if they gave the money back, PayPal got screwed.
Speaker 2: Yeah, you're right, you're right. I thought PayPal had some protection.
Speaker 2: Anybody really familiar with PayPal let us know. Wasn't PayPal
Speaker 2: started by Elon Musk. Yes, yes, my wife had telling
Speaker 2: us one of this.
Speaker 9: If she would have had paid from her own PayPal account,
Speaker 9: then she would have had a chance to recoup some
Speaker 9: of that money. But because they sent her a barcode
Speaker 9: to their PayPal debit card and she paid voluntarily with
Speaker 9: a debit card, then there's no way that PayPal will
Speaker 9: do anything about it.
Speaker 2: Well, I'm glad you called those because it's going to
Speaker 2: help other people. Three oh three seven one three eight,
Speaker 2: five to five. Jay, you have an investment question.
Speaker 16: Go ahead, Jay, So the first of all PayPal.
Speaker 9: Yeah, they're great if you do everything right.
Speaker 16: That's my question. I'll boil it down to the question
Speaker 16: first and explain it. Is there any reason to bother
Speaker 16: with this? Here's a situation that me and almost every
Speaker 16: workaday friend I have is yet at some point we
Speaker 16: all have five or ten grand, we're never going to
Speaker 16: touch because we you know, it's a small, tiny, right,
Speaker 16: but we're never gonna mess with It's always.
Speaker 14: Gonna be there.
Speaker 16: Is there anything to bother doing with that?
Speaker 14: Or is it there?
Speaker 2: Yes? Yes, there is, there is. And again I'll tell
Speaker 2: you exactly what it is. Coming right back. I'm Tom Martino.
Speaker 2: Stick around for more on the Troubleshooter Show. What do
Speaker 2: you do with ten or twenty grand? We'll let you know.
Speaker 2: Go with a sure thing Denver's best roofer Excel roofing
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Speaker 2: Time for an insurance check up free, no obligation. In comparison,
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Speaker 2: of insurance companies. Find out now three all three seven
Speaker 2: to seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: all three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 2: you're troubleshooter three oh three seven to one three. Talk
Speaker 2: Denver Regen dot com for pain relief as as well
Speaker 2: as weight loss and at a reduced price. You know,
Speaker 2: the stem cell therapy is unbelievable Denver Regen dot com.
Speaker 2: I can attest to it now, Jass, what does a
Speaker 2: workaday guy do with twenty or thirty or at fifteen
Speaker 2: or twenty or ten or fifteen. Well, I'm going to
Speaker 2: tell you first and foremost, I don't recommend anything unless
Speaker 2: you have an emergency fund. In addition to that, if
Speaker 2: you have an emergency fund, then that's pretty good. Then
Speaker 2: you keep that emergency fund. And if you have high
Speaker 2: interest debt, I would recommend paying down the high interest set.
Speaker 2: So let's say you don't have a lot of high
Speaker 2: interest debt, because if you do have high interest debt
Speaker 2: and you put it into a modest cash investment, the
Speaker 2: cash you have, you're losing money every month. If you
Speaker 2: pay off the high interest debt, you'll be making money quicker.
Speaker 2: So okay. So that being said, get rid of high
Speaker 2: interest debt, pay it down, or have an emergency fund.
Speaker 2: What do you do with another fifteen or twenty pat,
Speaker 2: I'm going to ask you, and basically I'm going to
Speaker 2: chime in first. I believe one of the best investments
Speaker 2: I do with idle cash is I went to Treasurydirect,
Speaker 2: dot com or dot gob. I forget just but a
Speaker 2: Treasury Direct and I open up an account. Now, you
Speaker 2: don't have to put any money in the account, but
Speaker 2: what you can do is hcch money over to that.
Speaker 2: Whenever you have idle cash. So, Jay, if you would
Speaker 2: put fifteen or twenty grand, or ten or fifteen whatever,
Speaker 2: even ten, you put it into Treasury Direct and go
Speaker 2: for an auction of T bills. Now T bills can
Speaker 2: be one week, two weeks, three weeks, four weeks, so
Speaker 2: I do four week increments. Every four weeks, I participate
Speaker 2: in the T bill purchase, and I have never failed
Speaker 2: to make four percent or more. Every now and then
Speaker 2: you make less than four but sometimes you make six percent.
Speaker 2: It depends on that week. When people are feeling weak
Speaker 2: about the economy, they go over to T bills, and
Speaker 2: when they feel strong about the economy. The T bills
Speaker 2: do a little less, but it's very safe, I believe.
Speaker 2: Now I'm going to turn over to Pat. What do
Speaker 2: you say, Pat, what would you do with that amount
Speaker 2: of money if someone came to us?
Speaker 11: Well, I agree, I think that's a that's a great strategy,
Speaker 11: particularly if you want to have it be backed by
Speaker 11: the US govern bills.
Speaker 12: Yeah, yeah, for sure.
Speaker 11: But we use example for his example, a senior Invesco
Speaker 11: senior loan portfolio. It's an ETF that owns institutionally leveraged loans.
Speaker 11: And uh, it's shielding. Oh, it's shielding right at seven
Speaker 11: percent right now, right now? Yeah, and it's fully liquid.
Speaker 11: It's not insured.
Speaker 2: Obviously, imagine that. Imagine this no fund seven percent right
Speaker 2: now when everyone doesn't.
Speaker 11: Know what seven point zero eight percent is the thirty
Speaker 11: day yield on it and the price is pretty stable
Speaker 11: the last So.
Speaker 6: What are the smallest increments you can do.
Speaker 12: As small as you like. There's no minimum.
Speaker 2: Are you kidding me?
Speaker 11: No, You're just buying an ETF and the ETF owns Jay.
Speaker 2: Keep in mind, it's called an ETF, which stands for
Speaker 2: exchange traded fund. Correct, And what fund is it?
Speaker 11: Specifically BKL and Bravo Keilo Lima November.
Speaker 2: Yeah you get that, Jane doesn't take much yeap bk
Speaker 2: l N and that's yeah, So it's Bravo Lima.
Speaker 11: Bravo Keilo Lima November Invesco Senior Loan ETF.
Speaker 2: So you make that much money in a market like this,
Speaker 2: you'd be crazy to let it sit idle or t
Speaker 2: bills again. But Jay, here's what I want to say.
Speaker 2: If you ever want, and I'm not trying to hit you,
Speaker 2: wave A Wealth Management will take any client ten grand,
Speaker 2: twenty grand, and we have very reduced rates for guys
Speaker 2: like you, and we will will help you along the
Speaker 2: way because our theory is we help someone who's a
Speaker 2: small investor, they become a big investor eventually with our help.
Speaker 16: So if I say, I got myself my daughter, so
Speaker 16: I have here something stupid, and you can laugh at
Speaker 16: me if you want, I have a bunch of silver
Speaker 16: coins laying around. You know what they're worth, Yeah, almost
Speaker 16: exactly what I paid for him fifteen years ago. They
Speaker 16: just starts me nuts.
Speaker 6: Yeah, but sometimes they go pretty far up in value.
Speaker 16: I would have a nice They go up and down
Speaker 16: so bad, it's ridiculous, but they're so slow. I'd like
Speaker 16: to get rid of at least half of that. I
Speaker 16: have all kinds of things I've bought that are worth
Speaker 16: quite a bit of money.
Speaker 14: You should and they're literally.
Speaker 16: Playing around in my closets.
Speaker 2: I'd like to make Do you have, by the way,
Speaker 2: do you have a four oh one k or an irah?
Speaker 16: My wife does. She has a she's set up with
Speaker 16: our buddy to do. He's always on here, Joe Kiano
Speaker 16: set up real well. Okay, so I think we're good there.
Speaker 16: But good stuff, you know. I just have stuff I
Speaker 16: bought because I got it cheap, and it's worth a
Speaker 16: lot more. And now if I sell it, I'm gonna
Speaker 16: a pile of cash.
Speaker 2: Listen, here, here's what I'm saying, Jay, what you ought
Speaker 2: to do. When you say a polycash, Remember those two
Speaker 2: things we gave you are are very low risk and
Speaker 2: very very good returns. Okay, Now, there are many other options,
Speaker 2: but I want to make this clear. We work with everyone.
Speaker 2: It doesn't mean there's no such thing as the client's
Speaker 2: too small. That's what makes us different. And and because
Speaker 2: you called in, I just wanted to tell you about it.
Speaker 6: So here's the deal. There are times they.
Speaker 2: Are so small we'll tell someone what to do and
Speaker 2: not even take them on as a client. Just say here,
Speaker 2: why don't you try this or this and we can
Speaker 2: do that with you. Or you can just give us
Speaker 2: a call at three oh three seven seven one helped
Speaker 2: seven seven one four three five seven and we'd be
Speaker 2: happy to help you. So another thing we can as
Speaker 2: outside business, we can hook you up with investments using
Speaker 2: your retirement money. Not many people know how to do that.
Speaker 2: So if you have investments you want to do and
Speaker 2: you want to use retirement money because that's the only
Speaker 2: lump sum you have, I'm one of the only people
Speaker 2: that can set you up to do that if you
Speaker 2: want to use retirement money. Talk Okay, now, let's keep going. Chris, Chris,
Speaker 2: what is going on with this insurance company? Explain this
Speaker 2: to us? Chris, good morning?
Speaker 17: Is this Mark or Tom?
Speaker 2: Hey?
Speaker 6: It's Tom and Mark. Mark's there too. Go ahead.
Speaker 17: Well, hey, good morning, both guys. I'm a new listener.
Speaker 17: I was referred by the neighbor Robin, and.
Speaker 14: So my fiance.
Speaker 17: Amelia and I were at home watching TV. This has
Speaker 17: actually been almost four months now, and we heard yeah, yeah,
Speaker 17: we heard a banging on the door, and so we
Speaker 17: don't get many guests. So I went and checked the
Speaker 17: door and our neighbor, Dexter little boy was in tears,
Speaker 17: frantic telling telling us to come outside and there was
Speaker 17: a huge accident and who was really upset, and so
Speaker 17: we followed them downstairs and there was a huge commotion.
Speaker 17: We live in Greeley on eighth Avenue, so it's a
Speaker 17: commercial building. We're on the second floor. So at any rate,
Speaker 17: uh when uh our cars, both of our cars were
Speaker 17: parked alongside the building and eighth Avenue, and there were
Speaker 17: two trucks that had uh they had hit each other
Speaker 17: and they wiped out and ended up hitting Robin's car
Speaker 17: and then both of ours, and so it was a
Speaker 17: it was a bad accident. One of our vehicles was
Speaker 17: completely totaled. Robbins was completely totaled. Our new vehicle, we
Speaker 17: had just got a new VW at Lias and in
Speaker 17: love with that thing, and we got like a special edition,
Speaker 17: so it was a rare model and so it was
Speaker 17: just and then the other her car, Amelia's car was
Speaker 17: sentimental from her grandfather and it wasn't worth a whole
Speaker 17: bunch of value. It is the bottom line. But it
Speaker 17: was one of them older bubble Mercuries and it was
Speaker 17: to really it was an ultimate edition with a v
Speaker 17: a nice VAH soup up model.
Speaker 2: And yeah, but how much? But hold on a second,
Speaker 2: hold on, Chris, are you going to complain about what
Speaker 2: the insurance offered you? Or was it the other guy's
Speaker 2: insurance or your insurance?
Speaker 17: So it turns out that I mean to avoid the deductible.
Speaker 17: There was one one of the truck drivers was a
Speaker 17: fall and and it was that was obvious, so there
Speaker 17: wasn't any issues. But what happened is they had a
Speaker 17: really really low plan.
Speaker 16: Chris.
Speaker 2: Here's what I need to know, Chris, I need to
Speaker 2: know this. This truck ran into your vehicles. Is his
Speaker 2: insurance covering your vehicles?
Speaker 17: Well, they're supposed to. They spent almost four months and
Speaker 17: we're still waiting and apparently it's.
Speaker 2: Wait a minute, So has have they ever? Have they
Speaker 2: ever made you an offer or said anything about your vehicles?
Speaker 17: They just know they've been they've been not they haven't responded.
Speaker 17: It took them, well, they haven't responded to me once fiance.
Speaker 17: They it took them over two months to respond. We
Speaker 17: we have we sent like four documents that were well written.
Speaker 18: We used.
Speaker 2: Okay, who are they? Who is this this other driver?
Speaker 2: Who was this Insuranaran's company? Uh?
Speaker 17: The one in fault is Mendota.
Speaker 2: And Mendoza was what and do you know did he
Speaker 2: have it up to date? Was his insurance policy up
Speaker 2: to date?
Speaker 19: Yeah?
Speaker 17: There was?
Speaker 2: And did you do you have the name and a
Speaker 2: number of any adjusters you talked to at Mendoza?
Speaker 17: Yeah? Honey, what was the names again of the adjusters?
Speaker 2: I'll tell you what what I want to do is
Speaker 2: get Deputy Doc to call over there. Deputy Doc during
Speaker 2: the show, even why don't you call over and ask
Speaker 2: why aren't they at least, you know, moving forward to
Speaker 2: help these people? Are they did? Did they pay for
Speaker 2: any rental cars?
Speaker 17: No? That's the thing we're we were messed up financially.
Speaker 17: We weren't ready for all the upfront seat.
Speaker 2: When did this happen? When did this happen?
Speaker 16: Bro?
Speaker 2: When did it happen?
Speaker 14: It was?
Speaker 17: What was the exact date? This is Jack humph It
Speaker 17: was January fifteenth?
Speaker 2: January. Okay, hang on, I'm gonna have Deputy Doc talk
Speaker 2: to you off the air. I'm Tom Martine. We have
Speaker 2: more coming up on the Troubleshooter Show, So listen to
Speaker 2: this fix at twenty four to seven. Yes, thirty nine dollars.
Speaker 2: It's for new customers, meaning you never had it done.
Speaker 2: It doesn't have to be a brand new customer. But
Speaker 2: if the people who have not had the thirty nine
Speaker 2: dollars Extreme Clean three oh three five two six thirty
Speaker 2: nine thirty nine, go with a sure thing Denver's Best
Speaker 2: roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance check up free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three oh three seven to seven to one help. You'll
Speaker 2: think you're his only customer when you choose Frank durand
Speaker 2: the real estate Man dot com to list your home
Speaker 2: with Remax Alliance three all three nine two zero sixteen
Speaker 2: twenty two. Hi Tom Martine here three three seven one
Speaker 2: three talks seven one three A two five five. All right, Danielle,
Speaker 2: what's going on with you? Danielle? How can we help you?
Speaker 17: Hi?
Speaker 18: I'm just trying to seek some type of help. Last
Speaker 18: year you guys helped me with the situation, and I
Speaker 18: was very pleased with it. From this time coming around,
Speaker 18: I'm having a little bit of an issue and accomplice
Speaker 18: which my previous job. I worked for a sprinkler company
Speaker 18: and I was an office manager. There was been issue
Speaker 18: between one and one of the bosses saying that I
Speaker 18: have a job in the other boss telling me to
Speaker 18: file for unemployment. I've been trying to reach out to
Speaker 18: the boss who told me to file for unemployment.
Speaker 2: Now, hold on a second, Wait a minute. How long
Speaker 2: have you been working? How long have you been working
Speaker 2: for the sprink company?
Speaker 18: I was there for about seven months.
Speaker 2: And then one boss said we're letting you go.
Speaker 18: Well, one boss was actually very aggressive and told me
Speaker 18: to clock out because he thought that I was doing
Speaker 18: something on the clock that I was not doing that
Speaker 18: he's seen on his cameras because it was like an
Speaker 18: in home office.
Speaker 2: Okay, so tell me walk out. So, so were you
Speaker 2: fired or not?
Speaker 18: That's where I don't know. I I don't.
Speaker 19: I don't know.
Speaker 18: I feel like it was almost to set up because
Speaker 18: I had just told him there.
Speaker 2: Oh wait, wait a minute, did you can Here's how
Speaker 2: to tell if you're fired or not. Did you continue
Speaker 2: working there?
Speaker 18: No, I know I'm no longer there.
Speaker 2: Okay. And when did that happen?
Speaker 18: That was about a month ago March third.
Speaker 6: Okay, Now what are you calling about today?
Speaker 18: I'm just trying to seek help from you guys. Like
Speaker 18: I said, you guys got me last year, and I
Speaker 18: don't know where to go with this, and I feel
Speaker 18: like it.
Speaker 2: Was almost well go to go to I don't understand.
Speaker 2: I here's what I don't understand, Dear, I'm serious. Now
Speaker 2: go with what? Go You don't know where to go with? What?
Speaker 14: With what?
Speaker 2: When people are fired? People are fired every day. Are
Speaker 2: you saying that it was an illegal firing?
Speaker 18: Absolutely? That's how I feel.
Speaker 2: Yes, go with a sure thing Denver's best roofer Excel
Speaker 2: Roofing dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three all three, seven
Speaker 2: seven to one help. You'll think you're his only customer
Speaker 2: when you choose Frank durand the real estate Man dot
Speaker 2: com to list your home with Remax alliance three all
Speaker 2: three nine two zero sixteen twenty.
Speaker 1: Yeah, ripped up new need advice, so you.
Speaker 19: Don't have.
Speaker 17: Come running.
Speaker 3: Just as fast as we can, Shooter's gonna help come man.
Speaker 4: This is the Troubleshooter Show. Now, Tom Martino.
Speaker 2: Hey, Tom Martino here, Welcome to the show. Three oh
Speaker 2: three seven one three talk seven one three eight two
Speaker 2: five five. We're here to help you solve your problems
Speaker 2: and answer questions, take complaints, and what do you say?
Speaker 6: We go right to the phones your phone calls.
Speaker 2: Take precedent at three oh three Martino three oh three
Speaker 2: six two seven eight four sixty six or three oh
Speaker 2: three seven one three talk seven one three eight two
Speaker 2: five five. So Danielle we left off with, and I
Speaker 2: looked up the law, and Danielle, if you're pregnant and
Speaker 2: an employer fires you, they better damn well have a
Speaker 2: real reason. I'm going to talk about some of that.
Speaker 2: There's federal and Colorado state laws. Let's say, when you're
Speaker 2: terminated and you're pregnant, it constitutes discrimination unless there is
Speaker 2: a viable reason. Now it might be difficult to prove.
Speaker 2: And then it says if your employer dismissed you without
Speaker 2: a valid reason during pregnancy, then you could have some
Speaker 2: compensation coming. Employers cannot terminate an employment to avoid associated
Speaker 2: costs as well. Such actions can lead to legal consequences
Speaker 2: and a cash awards you. Additionally, the Federal Pregnant Workers
Speaker 2: Fairness Act. Wow, that's a mouthful. Pregnant Workers Fairness Act
Speaker 2: went into effect twenty twenty three. It said, if you
Speaker 2: work for a place with fifteen or more employees, they
Speaker 2: not only have to keep you on unless they have
Speaker 2: a valid reason that they have to make accommodations for you.
Speaker 6: Now what you have to do? Are you still there?
Speaker 16: Yeah?
Speaker 18: I'm here.
Speaker 2: What reason did they give you for firing you?
Speaker 18: That's the thing, Missus Martinez. They never gave me a
Speaker 18: reason one employee, one boss told me to apply for unemployment,
Speaker 18: and the other one told me nothing. I've been waiting
Speaker 18: for a letter.
Speaker 9: I'm trying to reach out to them.
Speaker 2: But wait a minute, Danielle. At some point, did you
Speaker 2: work from home or did you go into the office.
Speaker 18: I went into the office.
Speaker 2: So, but at some point you no longer went into
Speaker 2: the office. So I need to know that point in
Speaker 2: time when you stop going into the office. A boss
Speaker 2: came up to you and said, by the way, you
Speaker 2: as well apply for unemployment because you're fired or exactly,
Speaker 2: you're kind of hazy on when you were terminated.
Speaker 18: See that I'm having I don't know. I don't know.
Speaker 2: I have not gone What do you mean you don't know.
Speaker 18: I haven't gotten a response. I've been asking for a
Speaker 18: letter of termination or something stating that I'm no longer wording.
Speaker 2: Okay, Danielle, Danielle, here's what I'm asking. You're at work
Speaker 2: and the guy says, does he just walk up and say, hey, Danielle,
Speaker 2: apply for unemployment? Tell me the exact way it happened.
Speaker 7: Okay.
Speaker 18: So I had went to work March third, and I
Speaker 18: get in home office. There are multiple cameras in the office.
Speaker 18: I stepped away from my desk, and the guy who's
Speaker 18: home that was I stepped away from my desk was
Speaker 18: seeing that I was away from my desk for four minutes.
Speaker 18: Four minutes. I went into the kitchen. The phones were
Speaker 18: not I.
Speaker 19: Just stepped away.
Speaker 18: He then called the person who lived in the apartment
Speaker 18: downstairs and was screaming on the phone, and I could
Speaker 18: hear it from upstairs.
Speaker 2: I don't understand what Wait, wait, wait, wait, you said
Speaker 2: you were in the office. Is that correct?
Speaker 18: It's an in home office.
Speaker 2: Okay.
Speaker 6: So they use a camera to see that people are working.
Speaker 2: I get it.
Speaker 6: And they saw that you were not at your office.
Speaker 18: Oh yes, got the deak for four.
Speaker 2: Minutes, okay. And what happened Then he.
Speaker 18: Then started screaming to the family member that lived downstairs,
Speaker 18: and then called my phone and got on the camera
Speaker 18: and was screaming at me, calling me I need a
Speaker 18: clock out, that he's not going to pay for me
Speaker 18: to step away from my desk, and just was very vulgar,
Speaker 18: and I was like, WHOA like I I didn't understand,
Speaker 18: and I try to explain myself and he told me
Speaker 18: just to clock out. So I clocked out. Obviously, I'm pregnant,
Speaker 18: I'm crying, I'm upset. I leave.
Speaker 20: Yeah.
Speaker 18: He texted me later that day and he's like, we
Speaker 18: can have a meeting, and I'm like, the way that
Speaker 18: I've seen him treat his employees, I'm like, I'm not
Speaker 18: having a meeting without the other owner present. The other
Speaker 18: owner who then stated that he would not be present
Speaker 18: and that the business was then closing because he doesn't
Speaker 18: want to deal with this guy's attitude so he told
Speaker 18: me my.
Speaker 2: Back and what was his file for So then, Danielle,
Speaker 2: that was your last day. Danielle, that was your last
Speaker 2: day you clocked in right, Okay? So then after that,
Speaker 2: did you apply for unemployment?
Speaker 13: Yes?
Speaker 2: And what happened?
Speaker 18: I am still in the progress of filing for unemployment,
Speaker 18: but I feel like they are trying to fight it
Speaker 18: just because.
Speaker 6: None of it matters. If you put in for it,
Speaker 6: you're going to get it.
Speaker 19: Well, I hope you, because this is.
Speaker 18: Not I'm not the only employee who has been treated.
Speaker 2: But hold on a second, Danielle, did you were you
Speaker 2: covered by their insurance?
Speaker 18: They were a beginning starting business. I just started up
Speaker 18: with them, and I don't believe at that time they had.
Speaker 6: Insurance for us, Danielle.
Speaker 2: Danielle, when you took the job, were you an employee
Speaker 2: or ten ninety nine?
Speaker 18: I was an.
Speaker 2: Employee, but you knew you didn't have insurance. So you
Speaker 2: can't get them on that discrimination to get out of
Speaker 2: the payment because they weren't going to pay for your
Speaker 2: pregnancy anyway, right.
Speaker 18: No, they told me at the time to file for
Speaker 18: FMLA once I had the baby.
Speaker 2: Yeah, but that has nothing to do with them. So
Speaker 2: here's what I'm asking. You took that job without health insurance,
Speaker 2: right express. Okay, so we can't take that road. Okay,
Speaker 2: Well it doesn't matter. It doesn't matter. You weren't covered,
Speaker 2: So we can't say they were trying to get out
Speaker 2: of paying for your pregnancy. How can you say that
Speaker 2: when they weren't going to pay for it anyway.
Speaker 18: Because at that time everything was changing. They were just
Speaker 18: applying for insurance for us, everything was to be changing.
Speaker 18: I was the office manager. I was helping them.
Speaker 2: So you're saying, you're saying that they were getting ready
Speaker 2: to get some benefits going that they didn't want you
Speaker 2: on there.
Speaker 4: That's how I feel.
Speaker 18: That's how I feel.
Speaker 2: I can't let me. I want to ask.
Speaker 6: I want to ask integer insurance.
Speaker 2: What's that I play a quick devil's advocate here.
Speaker 21: She requested that she was told to punch out for sure,
Speaker 21: so that can be interpreted as she is fired. But
Speaker 21: then she requested a meeting in which to the which
Speaker 21: she denied because.
Speaker 2: They requested a meeting that she turned down.
Speaker 21: Correct, So that could imply she quit because she didn't
Speaker 21: want to come to the meeting.
Speaker 2: That's true, my status, very true.
Speaker 5: And you can get in the state of Colorado unemployment
Speaker 5: for almost anything. People can steal from your company and
Speaker 5: they'll give you unemployment. So just fill out for it
Speaker 5: and you're gonna get it.
Speaker 2: Hey, Mark, I know you're taking some of this from
Speaker 2: personal experience with us.
Speaker 5: And I had someone we add a thousand employees in
Speaker 5: my life like nobody, nobody, no matter why I fired him, ever,
Speaker 5: did not receive unemployment.
Speaker 2: I had someone. Listen to this, listen to this. I
Speaker 2: had someone steal from me, absolutely use the company credit
Speaker 2: card to find authors purchases for them. Yeah, this is
Speaker 2: what I was told by the state. Well was there
Speaker 2: a policy against stealing? And I said what they said,
Speaker 2: did you have a written policy against stealing? And I said, well, no,
Speaker 2: I guess I didn't. I had to have a written
Speaker 2: policy against stealing or I couldn't fire for cause that's
Speaker 2: from the state, Danielle. The way I look at it
Speaker 2: is this, none of this much matters unless you know,
Speaker 2: I mean, I don't. Let's let's let me find Integra
Speaker 2: Integra Insurance. I want to talk to either John or
Speaker 2: John Jr. I want to find out if she could
Speaker 2: have been retroactively covered anyway. Maybe it was a way
Speaker 2: they wanted to get benefits for the company, and when
Speaker 2: they found out having someone pregnant would be an extra load,
Speaker 2: maybe they did fire her because of that. But I
Speaker 2: want to find out what would have happened if they
Speaker 2: got insurance after the fact. Remember she was already hired
Speaker 2: and already pregnant. So let's find that out and more
Speaker 2: coming up on the Troubleshooter Show. Genesis tootal Exteriors dot com.
Speaker 2: They do stucco repair and installation, as well as everything
Speaker 2: else inside and outside of your home. Genesis Tootalexteriors dot com.
Speaker 2: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance checkup, free, no obligation comparison call
Speaker 2: Compass Insurance. Pay too much your coverage at dozens of
Speaker 2: insurance companies find out now three oh three seven seven
Speaker 2: to one help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the Real estate Man dot com
Speaker 2: to list your home with Remax Alliance three oh three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martine, I
Speaker 2: want to go to an expert on health insurance. John
Speaker 2: Jones Jr. All right, Sir John Jones Junior. That's JJJ
Speaker 2: triple J. I'm gonna start calling his rap name, triple
Speaker 2: J triple J. What's uh? Hey? John? So this woman
Speaker 2: works for a company and she's pregnant. Now I want
Speaker 2: you to tell me what would happen. She is suspecting
Speaker 2: they fired her because she's pregnant and they are trying
Speaker 2: to get benefits on board and they didn't want to
Speaker 2: pay for her. So what I want to ask is.
Speaker 3: This is she.
Speaker 2: Is she right about this? If they were trying to
Speaker 2: get benefits, they would be retroactively covering her pregnancy or
Speaker 2: how would that work? If you are a company and
Speaker 2: you have a group of employees they all have pre
Speaker 2: existing conditions, and you start your coverage, what would happen.
Speaker 15: Then they're just covered from that point forward? I mean,
Speaker 15: it's not retroactive, right Like if you if you're if
Speaker 15: you're a business and you're you're putting benefits in place
Speaker 15: for your employees, health insurance in place, let's say for
Speaker 15: a May first effective date when your employees sign up
Speaker 15: and enrolled and they're covered from May first on.
Speaker 2: But would her pregnancy be covered.
Speaker 15: Of course, yeah, absolutely, I mean.
Speaker 9: That's what Okay.
Speaker 15: So, where there's employer plans through your employer or plans
Speaker 15: through the individual marketplace, the vast majority of these plans
Speaker 15: are are affordable can't qualified. They they they cover pre
Speaker 15: existing conditions. And for a long time, I mean employer
Speaker 15: employer coverage. I mean that that, even before the affordable
Speaker 15: character was a primary driver for employer coverage was that
Speaker 15: you get covered pre existing conditions.
Speaker 2: So, yes, okay, So here's what I want to know.
Speaker 2: I'm not asking if it happened. I'm just asking, is
Speaker 2: there a scenario you could imagine where a company is
Speaker 2: going out to get insurance and they have a pregnant
Speaker 2: person on board and they think that's detrimental because it's
Speaker 2: going to raise their premium or would that never even
Speaker 2: come up?
Speaker 15: Well, it depends on the product. And I certainly don't
Speaker 15: want to speak to the intention of a company as
Speaker 15: far as this is concerned, and whether or not that
Speaker 15: company right terminated employee based you know, but no.
Speaker 2: But I'm asking you would there be Here's all I'm asking,
Speaker 2: is there a financial incentive by getting rid of someone
Speaker 2: who's pregnant or someone who has a serious disease or something.
Speaker 15: These potentially there are some products out there now fully
Speaker 15: insured market, no, fully insured market. The rates are what
Speaker 15: the rates are in that rating area, and so that
Speaker 15: doesn't matter because it takes the pull of all the
Speaker 15: groups in that rating area. And so no, but if
Speaker 15: it's a large company, they have options of things like
Speaker 15: what's called level funded where they're rating the premiums are
Speaker 15: based on the underwriting of that specific group and the
Speaker 15: risk of that specific group. So there are products that
Speaker 15: exist that that somebody else could impact the group's ability
Speaker 15: to get more affordable else and okay initially or that
Speaker 15: level funded option. And so there's not enough for me
Speaker 15: to know here.
Speaker 22: And again I.
Speaker 15: Don't want to speak to the intention of an employer.
Speaker 2: No, no, I get it. No, No, what you're saying
Speaker 2: makes total sense. It makes total sense. Danielle, Is this
Speaker 2: a very large company? Danielle did she go away? Yeah?
Speaker 6: This is this a large company?
Speaker 18: No, it is not. Is a small company.
Speaker 2: How many employees.
Speaker 18: Including myself at the time, I'm going to six ten
Speaker 18: at the most between six and ten.
Speaker 2: So, John, that would likely not have a coverage that
Speaker 2: would care about pre existing or a.
Speaker 15: Specifically a couple of carris. I mean, there are a
Speaker 15: couple of carriers that offer level funded products to groups
Speaker 15: that small, but most require at least ten employees or
Speaker 15: more to even participate in the plan to get that
Speaker 15: level funded options.
Speaker 2: So that just doesn't you know, Thank you very much.
Speaker 2: By the way, Integra Insurance for your insurance, your health
Speaker 2: insurance checkups. Please call them three h three four six
Speaker 2: six fifty five hundred, even if it's not open enrollment,
Speaker 2: call them about your options going forward. Now here's what
Speaker 2: I want to say, Danielle. I truly think it's a
Speaker 2: long shot. Okay, I really do. I don't think. I
Speaker 2: don't think you can make the case that they fired
Speaker 2: you for financial incentives. I don't. I mean you can.
Speaker 2: I just personally don't think you would have to show
Speaker 2: that they would financially benefit by letting you go and
Speaker 2: because of the insurance they were about to get. But
Speaker 2: the fact that you are away from your desk for
Speaker 2: four minutes, see, other than the pregnancy thing, they can
Speaker 2: fire you basically for anything, So you'd have to show
Speaker 2: it is because you're pregnant, and I don't see the incentive.
Speaker 2: They'll just say, well, why the heck would we fire
Speaker 2: her because she's pregnant, And then you'd say, well, because
Speaker 2: you're getting coverage that's going to benefit if I'm not there,
Speaker 2: and then you'd have to prove that. So I wouldn't
Speaker 2: even bother at this point. Go for unemployment. You're going
Speaker 2: to get unemployment, and that we can help you with
Speaker 2: because you know they fired you, and I don't think
Speaker 2: they'll fight that unless being fired for cause you don't
Speaker 2: get unemployment? Is that true? Mark? You said, everyone gets unemployment,
Speaker 2: But what if you're fired for cause you still we
Speaker 2: still find that they get on your things most of
Speaker 2: the time unless you can prove what's going on. I
Speaker 2: still say she quits to show up for a meeting.
Speaker 5: Yeah, but a lot of that's what Dragon's thinking. A
Speaker 5: lot of those times that's where they end up getting paid.
Speaker 2: All right, Joe, what's going on with employment? What's going
Speaker 2: on with your check?
Speaker 14: Joe?
Speaker 2: What's going on?
Speaker 20: Hey?
Speaker 23: I was just calling you guys. I have a couple
Speaker 23: of different questions, but all look short because go ahead.
Speaker 15: I worked for a Gray Star it's a property.
Speaker 23: Management company or doing maintenance, and yeah, I was I
Speaker 23: was being discriminated. My boss is calling me racial slurs,
Speaker 23: doing like, what, what do you want me to say?
Speaker 6: Well, I mean like the end word. Well, no, no,
Speaker 6: here's what I want to know.
Speaker 2: I don't want you to use vulgarity, Joe. I don't
Speaker 2: want you to use vulgarity. But what was he saying
Speaker 2: to you? Like, yeah, was it regarding being black? Being hispanic?
Speaker 2: Being what?
Speaker 23: Yeah, being hispanic? Man, he's called me way.
Speaker 20: Back, got it?
Speaker 2: Okay? Okay? In the world literally, I mean he literally
Speaker 2: was calling you names.
Speaker 23: Anybody getting unemployment, bro, it's not true. Glad to go
Speaker 23: through the appills process. Did you end up with against me?
Speaker 2: Did you get it?
Speaker 14: No?
Speaker 23: I never got unemployment.
Speaker 2: Wow, Okay, tell us your story, Joe, tell us, Joe,
Speaker 2: tell us your story.
Speaker 23: Well, I was just working for for the property management
Speaker 23: company Gray Star, and I.
Speaker 15: Worked there for a couple of years.
Speaker 23: I was doing good, doing good maintenance, and the guys
Speaker 23: were just one of my maintenance supervisors. He was just
Speaker 23: sending me text messages, sending me like hundreds of text
Speaker 23: messages saying I'm short, little back Hispanic, and I mean
Speaker 23: it's not fair man like. And I never got unemployment
Speaker 23: from that company.
Speaker 2: And well, hold on though, you. Okay, So hold on.
Speaker 2: So you were working at gray Star our property management, right, yes, sir,
Speaker 2: and you were doing you were doing maintenance, yes, sir,
Speaker 2: And then you kept getting texts from who was this
Speaker 2: a supervisor?
Speaker 23: Yeah? I was a maintenance supervisor. And I had told him, I.
Speaker 2: Said, now did you did you keep those hold on man?
Speaker 2: Did you keep those texts?
Speaker 4: Well?
Speaker 23: I wasn't able to keep on because I had dropped
Speaker 23: my phone because I was doing a work order at
Speaker 23: an apartment.
Speaker 2: And so would he do this out of listen? Listen, listen.
Speaker 2: What I'm asking is this, was he doing this just
Speaker 2: out of the blue? All of a sudden you would
Speaker 2: get a text that say, hey, we back, what are
Speaker 2: you doing today? All tell me how that would work?
Speaker 23: No, I was just because, uh, because I put in
Speaker 23: because I had like a bunch of paid time off
Speaker 23: and vacation time. So I put it in like and
Speaker 23: I didn't approve it. I didn't get have to. I
Speaker 23: didn't have to get it approved through him, but I
Speaker 23: got it approved through my property manager. And he was like, oh,
Speaker 23: we don't need you anyways and all this stuff, you know.
Speaker 2: So okay, I get it. So he was upset. He
Speaker 2: just didn't like you.
Speaker 23: No, well we're best we're like best friends, man, like
Speaker 23: we are you saying? Now they drink beers together, and
Speaker 23: but all of a sudden, he just could it be could.
Speaker 2: It be that he was calling you that in fun?
Speaker 2: I'm not suggesting it should be, but could it be? Hey? Bro,
Speaker 2: Hey went back? I mean, could he.
Speaker 6: Have been doing that thinking it's just with something pamful?
Speaker 2: Yeah, yeah, I don't know. I mean I have to listen.
Speaker 23: It was fun at first, like it was fun at first,
Speaker 23: like we were just joking around, like because we had
Speaker 23: another couple of guys that were from like Venezuela and
Speaker 23: now Salvador that worked for us, and he was he
Speaker 23: makes a kid as well, Oh el Salvadorn and Ben
Speaker 23: and Lennon.
Speaker 2: Yeah, okay, no, no, no, I'm talking about your your
Speaker 2: super your supervisor, your what is your supervisor? White?
Speaker 23: Yeah? He is white?
Speaker 2: Got it. Here's the thing, Joe, if it was done
Speaker 2: in jest in the beginning, at some point, if it
Speaker 2: became irritating, it doesn't constitute harassment unless you let them know.
Speaker 2: Let me give you an example. If someone is sexually inappropriate,
Speaker 2: and I don't mean like having sex but just like
Speaker 2: maybe putting a hand on his shoulder or talking to
Speaker 2: a female employee, and and it's taken in jest, and
Speaker 2: the female employee is comfortable with it and doesn't care,
Speaker 2: and then all of a sudden she does. She would
Speaker 2: have to make that known. And the same goes with
Speaker 2: racial stuff. Racial stuff, I think, you know, no matter
Speaker 2: what anyone thinks of it, there are people who do
Speaker 2: it in jest, and they do it for fun, and
Speaker 2: they do it with each other. But then at some
Speaker 2: point you say enough is enough. You have to communicate that.
Speaker 2: So if at one time it was okay, did you
Speaker 2: finally say wait a minute, enough with the wet back stuff?
Speaker 23: Yeah, I did. I told him a property manager, and
Speaker 23: I told HR everything I got like I got okay, good, HR.
Speaker 2: Okay good. So you made a record of it somewhere
Speaker 2: with the employer.
Speaker 23: Yes, sir, and they got it.
Speaker 2: Okay. That's what you.
Speaker 23: Call impired because I even got him fired. He was
Speaker 23: with Gray Star for like twenty years and he was
Speaker 23: a property regional property manager. I got him fired because
Speaker 23: of stuff that. Because my niece she actually ended up well.
Speaker 2: Joe, Joe, listen, if this company was stand up enough
Speaker 2: to fire this guy. Why are they giving you a
Speaker 2: hard time about unemployment? Because what you're describing is what's
Speaker 2: called a hostile.
Speaker 6: Work environment now a hostile work environment?
Speaker 2: And what did the unemployment What did the unemployment office
Speaker 2: determine that you were not that you were fired for
Speaker 2: cause and do not deserve unemployment?
Speaker 15: Yes?
Speaker 23: And I already hired like I already hired a private
Speaker 23: attorneys and they were they took it on.
Speaker 2: Joe, something something is wrong with your story. We get
Speaker 2: to figure out what it is. I hold on, I'm
Speaker 2: Tom Martine. Well hold on though, we'll we'll figure this out.
Speaker 2: Compass Insurance Group for free insurance evaluations of all of
Speaker 2: your property and casualty coverage and your car insurance. Make
Speaker 2: sure you're not paying too much three h three nine
Speaker 2: nine six thousand Go with a sure thing Denver's Best
Speaker 2: roofer Excel roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance checkup, free, no obligation.
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Speaker 2: at dozens of insurance companies find out now three O
Speaker 2: three seven to seven to one. Help You'll think you're
Speaker 2: his only customer when you choose Frank durand the real
Speaker 2: estate man dot com to list your home with Remax
Speaker 2: Alliance three three nine two zero sixteen twenty two. Okay,
Speaker 2: we got to figure out what Joe can do to
Speaker 2: prove his case because making that accusation is going to
Speaker 2: be difficult. It's a hostile work environment. Joe, did you
Speaker 2: say that you already went to US unemployment hearing?
Speaker 23: Yeah? I had to appeal it because they denied it
Speaker 23: or whatever.
Speaker 2: And you hired an attorney. Is that correct? Forgive me
Speaker 2: for not remembering, But why were you fired? What was
Speaker 2: the reason they gave? Oh?
Speaker 6: Okay, they literally had.
Speaker 2: So weak notice. Yeah, but okay they will Joe, if
Speaker 2: you put in your notice to quit, why do you
Speaker 2: think you deserve unemployment?
Speaker 23: Yeah? Because I mean she was.
Speaker 6: Fed up with the abuse, is basically what he said.
Speaker 23: Set up with the abuse. Man, Like I was, like,
Speaker 23: I was coming to work every day.
Speaker 2: And okay, so are you saying the reason.
Speaker 23: He could do my job? And he was saying the
Speaker 23: monkey could do my.
Speaker 6: Okay, got it. Here's what I'm asking.
Speaker 2: Then, So you're you're you're saying you quit because of
Speaker 2: the hostile work environment. Yes, sir, Okay, No, I get it.
Speaker 2: I get that that if that truly happened, I totally
Speaker 2: am with you. If they were really being hostile and
Speaker 2: you put in a resignation because of it, I think
Speaker 2: that you'll win. And I'll tell you why you should
Speaker 2: have won. I had someone who quit and went to
Speaker 2: the Bahamas and then said they wanted unemployment, and they
Speaker 2: said it was a hostile work environment. And we were
Speaker 2: the best of friends, and this this drunk sitting on
Speaker 2: the beach and the Bahamas got unemployment from Colorado. So
Speaker 2: I don't know why they turned you down. What did
Speaker 2: they say when they turned you down? I'll tell you why.
Speaker 5: Because he didn't have He actually gave them a letter,
Speaker 5: a piece of paper that was a two week notice.
Speaker 2: But Mark, the reason he quit was because of the
Speaker 2: hot work environment. That's what I'm getting at.
Speaker 5: I get and I even agree with him. All I'm
Speaker 5: saying is the reason he lost the case is because
Speaker 5: they said this is ridiculous. Here's his thing. You know
Speaker 5: they had this proof.
Speaker 2: No, but Mark, Mark that you don't need proof. He
Speaker 2: admitted he quit because of the hostile work environment. Do
Speaker 2: you understand what I'm saying? It wasn't like he was
Speaker 2: going to quit anyway and now wants unemployment. The reason
Speaker 2: he quit was for the hostile work environment. They don't
Speaker 2: need proof of a two week notice. He volunteered that.
Speaker 2: He said, Hey, listen, I quit Gray Star Property Management
Speaker 2: because it was hostile and I want unemployment. It happens
Speaker 2: every day. We can reach out, we.
Speaker 23: Can reach out to Hey, Tom, I didn't really want
Speaker 23: the unemployment because I'm a scale of maintains guy and
Speaker 23: I've been doing this for like almost can.
Speaker 2: Well, then if then why are you calling us? If
Speaker 2: you didn't want the unemployed? Why are you calling us?
Speaker 22: Yeah?
Speaker 23: Because I'm saying that that was unfair, Like, I mean,
Speaker 23: I got a job right away.
Speaker 2: But what do you want?
Speaker 23: Man?
Speaker 2: Well, okay, but Joe you're telling Joe, you're telling me
Speaker 2: it was unfair. I agree with you. If what you're
Speaker 2: saying is true, I agree with you. But if you're
Speaker 2: saying that, but you don't want the unemployment, why did
Speaker 2: you call?
Speaker 23: Yeah? Because my means I mean I should have deserved it.
Speaker 2: I mean, why did you.
Speaker 23: I did unemploy?
Speaker 14: Man?
Speaker 23: What do you mean? Why did I call? I was like,
Speaker 23: I got an unemployment because of that. I tried to
Speaker 23: get a job like I tried to do.
Speaker 6: Joe helped me out here, Joe helped me home.
Speaker 2: Man, Joe, Joe, Now listen, man, really seriously, we're on
Speaker 2: your side. But you just told us you don't care
Speaker 2: about the unemployment.
Speaker 22: Yeah.
Speaker 23: I really didn't at first because I know I could
Speaker 23: get a job right away, So I'm okay.
Speaker 6: But then when did that change? When did that change?
Speaker 23: Why for unemployment? Man? And I was just telling you guys, like, are.
Speaker 2: You just trying to make.
Speaker 23: A moment or something?
Speaker 8: Tom, I have a suggestion for Joe.
Speaker 2: One at a time. Hold on one second, Dragon, what
Speaker 2: were you saying?
Speaker 21: You just called to make a comment about the previous
Speaker 21: caller saying that everybody gets unemployment, and you're just saying
Speaker 21: that that's not true.
Speaker 2: Maybe that's what it was. Maybe he was trying to
Speaker 2: tell us God, okay, that makes much sense now yeah, okay, now, bo,
Speaker 2: what were you going to say?
Speaker 6: I do want to clarify that.
Speaker 23: Everybody gets unemployment? Man, it's not true that everybody gets
Speaker 23: unemployment because how long ago?
Speaker 2: How long ago did this happen to you?
Speaker 3: Joe?
Speaker 2: How long ago?
Speaker 23: It was like a year ago?
Speaker 2: Okay, it's probably too late for us to do anything. Okay,
Speaker 2: So that's the point. Thank you. Joe put him on hold.
Speaker 2: He was just calling to say we're wrong. Well, it
Speaker 2: was not easy to get on a play.
Speaker 6: And I do want to say this. I want to
Speaker 6: change that statement a little.
Speaker 5: Anybody that I fired for what I would consider cause,
Speaker 5: like stealing, or like drinking on the job or anything
Speaker 5: like that, they I'd always fight it all the way.
Speaker 6: Through everything, and I lost every time.
Speaker 5: People that actually gave me a letter saying I quit,
Speaker 5: well they didn't even try to get unemployment. So I mean,
Speaker 5: I don't know how that part works.
Speaker 6: Now here's the point. Oh well, bo, what were you
Speaker 6: going to say?
Speaker 2: Going to say?
Speaker 24: The only reason Joe called was it just bitch about
Speaker 24: this Grace Property Management. Now I did check it out.
Speaker 24: They only have one point three reviews I saw. I
Speaker 24: think Joe got his job accomplished. So all you wanted
Speaker 24: to do is complain about this management company.
Speaker 5: They've got a ton of reviews. I looked it up
Speaker 5: two times there, God for the company.
Speaker 2: Okay, All right, now, Deputy Bow, since you're on Oh
Speaker 2: do I have to take a break here, dragon God? Yes,
Speaker 2: yes you do. Okay, let me let me take I'm
Speaker 2: way late. Hold on, we'll come right back.
Speaker 6: And then Dmitri.
Speaker 2: He's got a great update too. Go with a sure
Speaker 2: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free, no obligation comparison call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three oh three seven to seven to one. Help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martina here three O three
Speaker 2: seven one three talk seven one three two five to five.
Speaker 2: Danny's got a comment on booted car. We've been talking
Speaker 2: about cars being illegally booted all over the city by
Speaker 2: park it right. These guys need to be put out
Speaker 2: of business kind of like why this was go ahead? Danny?
Speaker 6: What's your comment? I was wondering could you take them
Speaker 6: to small Kan's court because I feel that they had
Speaker 6: to give me the parking pat. Oh are you the
Speaker 6: one that had your car booted.
Speaker 18: No, no, no, I was calling about it.
Speaker 2: I was okay, got it, Okay. So here's what happened.
Speaker 2: The marine, the ex marine that went and did bo
Speaker 2: handle that? Were you on that?
Speaker 8: Cameron? Dean and I went over there last Friday.
Speaker 6: He almost got thrown in the can.
Speaker 2: Yeah, they called the police office so Cameron, when Cameron
Speaker 2: had a lease, he could show he had a lease,
Speaker 2: but they didn't give him a parking pass and they
Speaker 2: booted his cars and bo he ended up having his
Speaker 2: girlfriend ended up paying for that, right.
Speaker 24: Yeah, she was just getting stressed out over the whole situation.
Speaker 24: While I was waiting for Denver police, she went into
Speaker 24: her apartment.
Speaker 2: I think they should have just cut him off. I
Speaker 2: do too. Now here's what I want to know, is
Speaker 2: anyone taking that apartment complex to small claims court? Because
Speaker 2: they should? And I agree with Danny that's a great idea.
Speaker 2: That is a great idea.
Speaker 24: And Tom, I did file a formal complaint with the
Speaker 24: Public Utilities Commissioned. I did get a case number and
Speaker 24: they are investigating it. They said they would good because there.
Speaker 2: Were no warning signs. There were no bo. I want
Speaker 2: you to call him and tell them we'd like to
Speaker 2: help them, of course, not with the legal part of it,
Speaker 2: but with the logistic part of it for filing a
Speaker 2: small claims court.
Speaker 6: The other one that was not park it right though,
Speaker 6: that was the other one right in metro parking. Metro parking.
Speaker 2: It doesn't matter. It still should go to small claims court,
Speaker 2: and I would love to follow it along when it does.
Speaker 8: Okay, so you know I'll call it Chemames.
Speaker 2: Now bo now bo. While you're on, tell us about
Speaker 2: this follow up about the oil leak and what happened.
Speaker 8: Yeah, this was Doug Sanders.
Speaker 24: He called in on Wednesday, February twenty fifth. Grease Monkey
Speaker 24: had an oil change done and grease Monkey did not
Speaker 24: remove the O ring on the oil filter.
Speaker 2: He drove the car. Run all right, hold on and
Speaker 2: we're going to come back because we're running out of time.
Speaker 2: We're gonna find out what happened and how that was
Speaker 2: resolved if it was. I'm Tom Martine. Stick around for
Speaker 2: more of the Troubleshooter Show. Go with a sure Thing
Speaker 2: Denver's Best roofer Excel roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check up, free,
Speaker 2: no obligation in comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three all three seven seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate man dot com to list your home with
Speaker 2: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 3: Yea, rita you needed, That's who you don't have. Come
Speaker 3: running sious as fast as we can. Shooter's gonna help.
Speaker 3: Come man, this is.
Speaker 2: The Troubleshooter Show. Now, Tom Martino, Hello, welcome to the show.
Speaker 2: I'm Tom Martino and I'm glad. Do you have you
Speaker 2: here on a Friday car day. We haven't had many
Speaker 2: car questions, but we will. Kevin Colkins with us from
Speaker 2: Sheridan Autotech. Deputy Docs in the studio, Deputy Bo's in
Speaker 2: the studio, Deputy D's in the studio, Susan Mark Major.
Speaker 2: Let me bring them all up. There you go. Now,
Speaker 2: let's have some follow ups as well. Three three seven
Speaker 2: one three talk seven one three two five five Deputy Bow.
Speaker 2: He was telling us about Doug and oil and grease
Speaker 2: Monkey and all of that. So let's get to it.
Speaker 2: What was the original problem.
Speaker 24: The original problem was he went into greet the Longmont
Speaker 24: grease Monkey location for an oil change, and apparently they
Speaker 24: did not remove the oil filter gasket, so he basically
Speaker 24: had the new oil filter gasket in the old fie, yeah,
Speaker 24: I think, And he drove it for like three or
Speaker 24: four hundred miles and he heard a knocking of the
Speaker 24: engine and he went to another mechanic up there in Longmont,
Speaker 24: and it was six.
Speaker 8: Quarts low on oil.
Speaker 24: He's very fortunate he did not lose the engine. And
Speaker 24: I believe they had to change the other company, I
Speaker 24: think it was called Pride Automotive.
Speaker 8: They had to change some sort of head gasket.
Speaker 24: So the bill incurred with six hundred dollars with Pride Automotive,
Speaker 24: and then grease Monkey had a bill of two hundred
Speaker 24: and eighty dollars. So we were just fighting with the
Speaker 24: grease Monkey home of corporate office, you know, to admit
Speaker 24: that they did wrong with this oil filter casket.
Speaker 2: So they didn't want to do anything.
Speaker 24: Man, they sucked the local branch manager there in.
Speaker 2: That's odd, huh, refused.
Speaker 24: To talk to us and told me not to make
Speaker 24: any more phone calls. So I was able to call
Speaker 24: the corporate grease Monkey corporate office out of state, and
Speaker 24: then they were able to transfer me around to another
Speaker 24: grease Monkey corporate office. Basically, so just last week they
Speaker 24: agreed to pay Doug Sanders in full for the grease
Speaker 24: Monkey bill and the charges he had to incur with
Speaker 24: the other MCKI King Paris car and amount of eight
Speaker 24: hundred and fifty dollars.
Speaker 6: That is a way to hound dog Man. You got
Speaker 6: on that. You didn't give up the.
Speaker 2: Sense from Jack here.
Speaker 8: I called every in that.
Speaker 5: January that he called. Uh now he called like maybe
Speaker 5: a January he called.
Speaker 8: The original call came in January.
Speaker 6: Damn long ago.
Speaker 2: Yeah, it was January.
Speaker 24: Yeah, we've been I've been making two or three calls
Speaker 24: every week and finally got the right you know, we're saying.
Speaker 2: Man, you know bo really really really really seriously, that
Speaker 2: deserves that, That deserves some kudos. You get my dinger.
Speaker 2: You got to get my dinger for that. And it
Speaker 2: was just like good.
Speaker 3: Yeah, he's very.
Speaker 8: Happy for the show.
Speaker 24: He didn't want to come on here and discussip, but
Speaker 24: he's very happy.
Speaker 6: I mean, think about that. You're a hound dog man.
Speaker 2: He a pitbull. This guy got on this case way back.
Speaker 2: I love it.
Speaker 14: Bo.
Speaker 2: Okay, thank you Bo. Dmitri Deputy d as we call him,
Speaker 2: Hey Tom, his rapper name d me Tree.
Speaker 25: What's happening, Hey, I had a great meeting at a
Speaker 25: super high class joint called mile Hi Honda this morning.
Speaker 25: You may recall that Christy called us about a month
Speaker 25: ago and she bought a brand new Honda CRV hybrid
Speaker 25: and she reported hearing the super high pitched sound that's
Speaker 25: driving her up the wall, and so.
Speaker 2: A couple of yes and now hold on. But part
Speaker 2: of it was that not everyone could hear it. You
Speaker 2: happened to hear some of it, and we started talking
Speaker 2: about this. Yes, yeah, thank you.
Speaker 19: No.
Speaker 6: That literally is when she called into the show.
Speaker 2: That's what it's like.
Speaker 25: That is actually Christy's voice on a recording that mister
Speaker 25: Dragon has played back. So a couple of weeks ago,
Speaker 25: she stopped by the studio here on car Day and
Speaker 25: Kevin from Sheridan Auto Tech and I went for a
Speaker 25: ride and I predicted it turned out correctly that only
Speaker 25: some of us can hear the super high pitched sound
Speaker 25: and some won't. So during the ride, I unmistakably heard
Speaker 25: the sound Kevin heard it, just a little snippet of it,
Speaker 25: but only once. And we had that discussion with you
Speaker 25: and me a couple of times that.
Speaker 2: That's just how our age.
Speaker 25: However, Tom, in preparation for today's update, I brought a
Speaker 25: tone generator and I'm able to replicate that sound. If
Speaker 25: it would be kind of interesting to see how many
Speaker 25: people here in the studio and you, Tom can hear
Speaker 25: this sound. So okay, So if everybody can remove their
Speaker 25: headphones for just a moment, I'm going to play the sound.
Speaker 5: Why don't we Why don't we send it to Dragon
Speaker 5: and he can play it over the air.
Speaker 2: Yeah, let's end that app. That's why he's playing my phone.
Speaker 25: Try just try it, okay, Yeah, it comes everybody ready, Yeah, you.
Speaker 5: Can't what I have my oh my sound is off?
Speaker 5: Oh my god, of course I can hear that. That's
Speaker 5: the most annoying thing.
Speaker 2: You hear people out way off.
Speaker 5: There's people driving off the road right now. I don't
Speaker 5: hear anything.
Speaker 3: Wait, you didn't hear it.
Speaker 2: Play it again, my god, it's play it again.
Speaker 5: It's nails ready ready?
Speaker 14: Yeah?
Speaker 2: Oh my yeah, that's come on, Nails on a chalkboard. Wait, wait,
Speaker 2: hold on, hold on, you guys. You guys are doing
Speaker 2: a belated April Fool's joke. Here's what I want you
Speaker 2: to do, Dmitri, Dmitri. I want you to say, when
Speaker 2: you start the sound, start okay, start.
Speaker 8: Stop.
Speaker 2: I don't hear anything. Can you hear it through?
Speaker 6: Can you you can hear a dragon?
Speaker 22: Right?
Speaker 2: Yes, I can certainly hear it.
Speaker 5: I mean listeners have to be one.
Speaker 25: Last time, she's pointed out my speakers in the other
Speaker 25: part of the phone.
Speaker 6: Here comes start a horrible sound.
Speaker 2: Dude, stop, there's no sound. The youtubb's here at Tom.
Speaker 2: They're like, please stop it.
Speaker 6: That's terrible, It's horrible.
Speaker 2: Come on, YouTubers. So Tom.
Speaker 19: So.
Speaker 25: You know, over the past few weeks, I've called a
Speaker 25: couple of Honda dealerships, and the one that really stopped
Speaker 25: the stepped up to the plate and jumped into action
Speaker 25: was a gentleman by the name of DEEPN.
Speaker 2: Bolton. He's the assistant service manager at myle High Honda.
Speaker 25: So we made an appointment to come and see him
Speaker 25: and drop off the car today and mister Bolton actually
Speaker 25: took a step that I didn't even expect. In anticipation
Speaker 25: of Christy having to leave her car with him. He
Speaker 25: arranged for a no charge loaner Honda for her to
Speaker 25: take home for as long as it takes for them
Speaker 25: to figure out and fix this problem. So myle i Honda, man,
Speaker 25: my head is off to them. Oh and by the way, they.
Speaker 6: Have really did they figure anything out yet?
Speaker 2: Well here's what So here's what we did.
Speaker 26: Yes, go ahead, Devon, Devon and Christie and I from
Speaker 26: Myleha Honda went for a drive in that car and
Speaker 26: he heard the sound every single time I heard it.
Speaker 25: So there is absolutely no question in his mind or anybody.
Speaker 2: Mark had. Mark uses an expression that I'm going to
Speaker 2: borrow right now. Mark, you know what I'm going to say.
Speaker 2: Let's see, I've got a lot of them. It is
Speaker 2: the nut behind the wheel.
Speaker 25: Well, in this case, it was some diode under the hood,
Speaker 25: so he said. So he he's he hasn't had this
Speaker 25: complaint before, but he recognizes that the problem exists. So
Speaker 25: he has a really great resource within Honda of America
Speaker 25: and it's called tech Line, and he said it's staffed
Speaker 25: with retired master mechanics and people of that nature. So
Speaker 25: he says that at this point there is no need
Speaker 25: for him to even turn it over to a mechanic.
Speaker 25: So he's going to contact Honda and get technical guidance
Speaker 25: from them on what to do next.
Speaker 2: So I think that men.
Speaker 25: So I think over the next few days we're going
Speaker 25: to have further follow ups and further updates from Mile
Speaker 25: High Honda.
Speaker 2: So that's all right, Thank you very much, Deputy d
Speaker 2: You're welcome. All right, So we we have more coming
Speaker 2: up on the Troubleshooter Show. It's important that when you
Speaker 2: learn stuff on the show, you also contribute and teach
Speaker 2: us stuff. So here's what I'm going to ask today.
Speaker 2: We haven't done this in a while. I want to
Speaker 2: know gems and pearls of wisdom, and I'll even give
Speaker 2: away a prize for the best. I want to hear
Speaker 2: pearls of wisdom from our listeners. Now, my morons, you
Speaker 2: can do it on the YouTube chat, but I'd rather
Speaker 2: you call the show. By the way, kinh Hoome Solutions.
Speaker 2: Remember they have painting now Kinahpainting pros Kwindows dot com.
Speaker 2: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance check up free no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three seven
Speaker 2: to seven to one. Help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate man
Speaker 2: dot Com to list your home with Remax Alliance three
Speaker 2: oh three nine two zero sixteen twenty two. Tom Martino,
Speaker 2: you're troubleshooter three O three seven one three talks seven
Speaker 2: one three each two five to five, Tunica, what's going
Speaker 2: on with your landlord? What's happening?
Speaker 19: Yes, his my land lord. We have a rocky start
Speaker 19: through the gas exposure, but our lease was ending on
Speaker 19: May fifteenth or this year, and we still have not
Speaker 19: been offered like the option to We knew or she
Speaker 19: was going to raise the rent on whatever we're going
Speaker 19: to do. But I was just kind of wondering what
Speaker 19: steps should I take because we're really not in the
Speaker 19: position to move at this time.
Speaker 2: And Okay, when you said, let me ask you a question,
Speaker 2: I want to ask a question because this is really
Speaker 2: important and you do have certain rights. When you said
Speaker 2: you got off to a rocky start, what do you mean.
Speaker 19: Well, We moved in and the fireplace wasn't working, and
Speaker 19: she said, when my previous tennis never used it. This
Speaker 19: was May the fourteenth of last year, twenty twenty four,
Speaker 19: and we, okay, got it and we noticed the fire
Speaker 19: We noticed the fireplace wasn't working. We tried it. She said, well,
Speaker 19: it never worked. My previous ten has never used it, but.
Speaker 16: Not knowingly.
Speaker 19: We was exposed to jass. But the firetec had of
Speaker 19: gassic and the furnace. So we called Excel Energy and
Speaker 19: they turned everything off. Her parmer she hired took eight
Speaker 19: days to get everything fixed. We still don't have the fireplace,
Speaker 19: which is okay because it's not in the least I guess.
Speaker 19: But they got the heat running and the tax sell
Speaker 19: approved it when they came back out. But ever since then,
Speaker 19: she's just been like really hateful, and she's been like
Speaker 19: really mean and barely one to sixteen.
Speaker 2: Okay, I get it. So you think she wants to
Speaker 2: get rid of you, and you want to know what
Speaker 2: your rights are?
Speaker 19: Yes, sir, that's it.
Speaker 2: Yes, Okay, let's find out cool. I'm gonna call I'm
Speaker 2: gonna call our real estate attorney and ask them. I know,
Speaker 2: the more you live there, the more rights you have,
Speaker 2: but we'll figure it out. I don't know what right
Speaker 2: you have, but right right now, it's really weird because
Speaker 2: the laws have changed so much. So let's find out
Speaker 2: what renewal rights you have and what cancelation rights the
Speaker 2: landlord has. Have you tried reaching out to the landlord?
Speaker 19: You know, I haven't reached out to her, said like,
Speaker 19: you know, we needed a fixture for the toilet, but no,
Speaker 19: I have not because we you know, we've just been
Speaker 19: going through issues. You know, here she wanted to payment
Speaker 19: one way and now she wanted us to do a
Speaker 19: different way. You know, it's just really unprofessional, she says,
Speaker 19: really roots I choose really not to talk to her,
Speaker 19: but I was going to send her an email say hey,
Speaker 19: what's going on?
Speaker 2: Like, no, we.
Speaker 19: This is see right because I know that the least
Speaker 19: that we signed is through Zillow, and it did measure
Speaker 19: that after the twelve month term it will go to
Speaker 19: a month a month, and that neither landlord or Timmant
Speaker 19: has you know, they don't have the obligation to remove.
Speaker 6: But right it doesn't wait wait wait, wait, wait, it
Speaker 6: doesn't work that way.
Speaker 5: In Colorado. We got to get O'Brien on, Yeah, things
Speaker 5: have changed right now.
Speaker 2: Things have changed right now, So hold on, hold on, Twineka.
Speaker 2: We're going to get an expert on three oh three
Speaker 2: seven to one three talk seven one three eight two
Speaker 2: five five. David, you have a question about an F
Speaker 2: one body shop. Go ahead, David, we have Kevin has
Speaker 2: shared an autotech with us. He can chime in. What's
Speaker 2: going on.
Speaker 9: Well, I got hit the other day kind of on
Speaker 9: the the on my driver's side, right by my tailgate,
Speaker 9: and I'm trying to talk to some body shops about Okay,
Speaker 9: how are you guys going to repair this, whether it's
Speaker 9: a bed replacement or a panel replacement, And nobody wants
Speaker 9: to talk to me without talking to see about my
Speaker 9: insurance and and all that from Progressive because the guy
Speaker 9: that hit me is obviously paying for it, but nobody
Speaker 9: will talk to me about the repair on what the
Speaker 9: proper way to do it is.
Speaker 2: Well, that's ridiculous. You mean to tell me you can't
Speaker 2: call up and say, hey man, I got a few
Speaker 2: questions about this before I commit. They won't explain.
Speaker 3: It to you.
Speaker 13: No.
Speaker 9: I've talked to euro Collision, I've talked to Caliber Collision,
Speaker 9: and none of them will. We'll say, yeah, bring it in,
Speaker 9: let's talk about it.
Speaker 2: That's ridiculous. I can't tell you why I mean that
Speaker 2: that that's ridiculous, Kevin. What reason would they have not
Speaker 2: to even not to answer a stupid question.
Speaker 10: They may not know, the guys that he's talking to
Speaker 10: may not know the procedure to fix it, and they're
Speaker 10: just not telling them. But you know, I would go
Speaker 10: somewhere else obviously, because if you can't get a straight
Speaker 10: answer to start, it's never going to get any better.
Speaker 9: Well that's what I thought too, So that's why I
Speaker 9: had to call the trouble shooter.
Speaker 10: Sure, what part of town?
Speaker 2: Okay?
Speaker 9: So I'm down in Highland's Ranch Centennial Littleton area.
Speaker 10: Yeah, there's the body shop we use for all our
Speaker 10: stuff as Perry and Terry. They're they're off a cult.
Speaker 2: Yeah, they're good people. They have been around for years.
Speaker 2: Yeah they have.
Speaker 10: So you may just give them a call and explain
Speaker 10: what's going on and see if they'll talk to you
Speaker 10: about it before you go there. But I don't see
Speaker 10: why they wouldn't.
Speaker 9: Okay, do you know what the fix would ye?
Speaker 10: See, Well, it would depend on the damage. I that
Speaker 10: I don't know. I don't get into the body work
Speaker 10: too much.
Speaker 2: They'd have to hold on where where David, David, where
Speaker 2: was it hit?
Speaker 20: It was?
Speaker 9: It was hit in the back quarter panel right in
Speaker 9: front of where my my pail light is on the
Speaker 9: driver's side.
Speaker 2: Oh okay, got it, got it, got it? So that
Speaker 2: sounds like a rear quarter panel. What what do you
Speaker 2: specifically want to know? Anyway, if his insurance is paying,
Speaker 2: you want to make sure you're getting the right repairs
Speaker 2: and not aftermarket.
Speaker 9: Well I want to know is are they just going
Speaker 9: to cut that aluminum out and well the new piece
Speaker 9: in or is it a panel that's the right six
Speaker 9: or what?
Speaker 2: Well? Hold on, hold on if you go to any
Speaker 2: good body shop, I mean, I know what you're saying.
Speaker 2: You want to know. Wait a minute, are you drilling
Speaker 2: and filling or are you really replacing the quarter panel?
Speaker 2: So it's the left rear quarter panel, yes, sir, And
Speaker 2: usually Kevin, that's a remove and replace.
Speaker 10: Right, Typically it is on a bed, Yeah, because not
Speaker 10: enough metal there to fill. But yeah, he's right and
Speaker 10: trying to get that done first though, because he doesn't
Speaker 10: want a half job, you know, to find out a
Speaker 10: year later that there's a issue with the repairs. It
Speaker 10: was absolutely right to ask.
Speaker 2: I can't believe that you can't find a shop to
Speaker 2: answer your question. Know really, what do they say? Did
Speaker 2: you ever did you ever actually make an appointment for
Speaker 2: an estimate?
Speaker 15: No, they wouldn't.
Speaker 9: They wouldn't let me set an appointment until the progressive
Speaker 9: to give me an estimate. Then then they said, bring
Speaker 9: it in then then we can look at it and
Speaker 9: start fixing it. I said, well, I don't want that.
Speaker 9: I want to know what the correct fix is first,
Speaker 9: and they well, well, not until we get your adjuster paperwork.
Speaker 2: I don't know, I listen. I don't know what motivates
Speaker 2: people anymore. I mean, David, what I can say. We
Speaker 2: can't wave a magic want and make an answer.
Speaker 9: But I understand That's why I thought, you know, being Friday,
Speaker 9: I was waiting to exy to give you guys.
Speaker 2: We can probably we can probably give you an answer
Speaker 2: if you send us pictures, we can get an expert. Yeah, okay,
Speaker 2: I think I know why they won't tell him.
Speaker 25: They're probably waiting for the insurance company adjuster to come
Speaker 25: over and approve the repair in whatever way the insurance
Speaker 25: company wants to conduct the repair.
Speaker 2: So they don't want to waste time, is what you're saying.
Speaker 25: Yeah, they're not going to say we're going to replace it,
Speaker 25: only to find out that Progressive is going to say, no,
Speaker 25: we're not replacing it. We'd rather save four dollars and
Speaker 25: have you guys fill it with bondo.
Speaker 2: No, I know what you mean.
Speaker 10: That's why he needs to find a shop that's going
Speaker 10: to work for him, not for the insurance company. Exactly right, Yes, yeah,
Speaker 10: give him a call a Perry there. Just just ask
Speaker 10: the question over the phone and see what they say.
Speaker 10: You know, they'll set an appointment.
Speaker 14: Come.
Speaker 10: Look, they're they're straight shooters. We've we've never had issues
Speaker 10: with them.
Speaker 2: Okay, okay, I appreciate your time, no problem. Listen to Twinika.
Speaker 2: Tell me China, Brad O'Brien is not available.
Speaker 9: That is true?
Speaker 2: Well, when will he be available or is he not
Speaker 2: available today? He is not available today, Twinko? When when
Speaker 2: is your lease up? Did you say in May? We
Speaker 2: got to get you. We have to get you back on.
Speaker 2: I'm going to do some research store in the break,
Speaker 2: but we need to get you back on with our
Speaker 2: attorney to give you some advice. Kashina will get your
Speaker 2: number and stuff off the air and we'll get you
Speaker 2: back on three oh three seven one three talks seven
Speaker 2: one three a two five five. Go with a sure
Speaker 2: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until your content time for an insurance
Speaker 2: checkup free, no obligation. In comparison, call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three oh three seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance. Three oh three nine two zero
Speaker 2: sixteen twenty two.
Speaker 5: All right, three oh three seven one three a two
Speaker 5: five five. Three oh three Martino, Hey, you should join us.
Speaker 5: We do have a lot of fun and I mean it,
Speaker 5: a lot of fun on our YouTube channel and a
Speaker 5: lot of serious conversations as well. So you go to YouTube,
Speaker 5: you type in trouble Shooter Network and you'll find us,
Speaker 5: and during the commercials you can hear us. And I
Speaker 5: want to say this too. This number works on and
Speaker 5: off the air. Three oh three Martino, three zero three Martino.
Speaker 5: You can always email us it help at troubleshooter dot com.
Speaker 5: But what's going on with you?
Speaker 6: Miles?
Speaker 14: Oh? Hey, Mark, thanks for taking my car.
Speaker 10: You got it?
Speaker 14: Actually I spoke to you the other day about bridgeloons.
Speaker 2: Oh yeah, man.
Speaker 14: Yeah, So anyway, I think I got that figured out,
Speaker 14: but my situation has chased. So, uh, my mother, I
Speaker 14: have power of attorney, both durable and medical, or both
Speaker 14: of my parents. I am the first on my father.
Speaker 14: I am the second on the second on my father,
Speaker 14: my mother is first. I am second, and then I
Speaker 14: am the first on my mother, but I'm the first
Speaker 14: on all of their durable power of attorney.
Speaker 10: Got it.
Speaker 14: We're trying to put them into an assistant living place.
Speaker 14: We went and toured a couple of yesterday and we
Speaker 14: found one that we really liked. And now my mother
Speaker 14: is being very resistant and now she's resisting.
Speaker 2: Hey Miles, Miles, when you Miles, when you say, when
Speaker 2: you say your mom is resistant?
Speaker 6: Were they going to go to assisted living.
Speaker 2: Together in and like the ones that take couples and families.
Speaker 14: Yeah, it's a beautiful facility. It's a two bedroom apartment
Speaker 14: and it's really nice.
Speaker 2: And how old is your mom.
Speaker 14: My mom's eighty nine and my father is ninety one.
Speaker 2: And how does your how does your mom express her resistance?
Speaker 14: Well, she was, like I said, she was all for it,
Speaker 14: and so we're like, okay, we're going to do this.
Speaker 14: And you know, we toured the places that were great.
Speaker 14: She liked the places, but she is very resistant about
Speaker 14: selling your house. That's the only way that we can
Speaker 14: pay for it. And her cognitive skills. I forget the
Speaker 14: test did they do that? Was it mi IB or
Speaker 14: something like that. She came in at a night tea
Speaker 14: which is moderate to severe.
Speaker 2: Yeah, but you mot Miles, none of that matters unless
Speaker 2: it's made official. And here's having a power of attorney
Speaker 2: has nothing to do with taking control of your parents.
Speaker 2: You can't do that simply because you have a power
Speaker 2: of attorney. What you need is is guardianship. If okay,
Speaker 2: But here's what I want to know. Your dad and
Speaker 2: your mom. You say it's your mom's home or do
Speaker 2: they own it together?
Speaker 14: They own it together. My father is ninety one with
Speaker 14: Parkinson's and severe dementia. He is definitely he's out there.
Speaker 14: He doesn't know what day it is. The wander wanders
Speaker 14: he uh, But who.
Speaker 2: Okay, so your mom does your mom have guardianship over
Speaker 2: him or was he never ruled incompetent?
Speaker 14: He was never really ruled incompetent because it was just
Speaker 14: kind of a given. You know, she was taking care
Speaker 14: of him, she was this caregiver, and so they never
Speaker 14: really officially ruled him incompetent. But it would be very
Speaker 14: easy to do. And trust me, Tom, this is the
Speaker 14: last the last thing I want to do. I don't
Speaker 14: want to do this, but well you.
Speaker 2: Have to listen, then you need What you need to
Speaker 2: do is simply do you are allowed to do a
Speaker 2: court action to challenge your mom's a viability and take
Speaker 2: over as a guardian. And now we can get okay,
Speaker 2: I'm going to get one of our attorneys on to
Speaker 2: talk about it, and I want you to hold on.
Speaker 2: I think we're going to get let's get McKenzie. Dan McKenzie.
Speaker 2: He is Mackenzie Law, he's an estate planning attorney. Let's
Speaker 2: talk to him first. There are ways to go about it.
Speaker 2: It's it's always very very difficult, very difficult. And if
Speaker 2: they feel that you're trying to take advantage of them,
Speaker 2: they're going to get a they're going to get a
Speaker 2: an independent person appointed with the courts. So, hang on
Speaker 2: a sec did you want to say something, go ahead, Pat,
Speaker 2: What were you going to say?
Speaker 11: Well, we had just had this done okay with one
Speaker 11: of our clients.
Speaker 2: Okay. So in other words, did one of the kids
Speaker 2: want to take over for the parents?
Speaker 14: They did?
Speaker 2: They did. So what did they do? They filed with
Speaker 2: the court.
Speaker 12: They did. They went to the attorney and she was
Speaker 12: she actually we talked about it.
Speaker 2: Yeah, you're on, but I mean, don't use names, just
Speaker 2: use situations.
Speaker 20: Right.
Speaker 11: So she had been contacted through an Engelbert.
Speaker 2: Oh, so this was a scam where someone was sending money,
Speaker 2: and so what did the kid do?
Speaker 11: And so finally the kid went to the attorney and said,
Speaker 11: my mom's being relationship scammed on this thing and she's
Speaker 11: sending money to these people.
Speaker 2: So she got the court's ruled yes.
Speaker 11: And the client had gotten in touch with me asking
Speaker 11: for lots of money to go, and I'd been in
Speaker 11: contact with the daughter and.
Speaker 2: So and so the daughter filed a motion with the
Speaker 2: courts right and took control and got letters of temporary
Speaker 2: guardianship and temporary conservatorship that are in place. And did
Speaker 2: the mom challenge it at all.
Speaker 12: She's not happy about it. But there was a judge.
Speaker 2: It's a judge order.
Speaker 11: I mean, it was presented to the court and the
Speaker 11: evidence was presented and the judge signed off.
Speaker 2: On how much did he now the daughter's in charge?
Speaker 6: How much did the scammer get from the poor lady pat?
Speaker 12: I think around just shy of one hundred thousand.
Speaker 11: And I'll tell you what mark she was about ready
Speaker 11: to pull just shy of a half half.
Speaker 12: Million, half a million.
Speaker 2: Unbelievable.
Speaker 11: Oh and we finally got it into place prior to
Speaker 11: that going on, and I mean, it was scrambling to
Speaker 11: get this done, but we got it done. And so
Speaker 11: that's how you can go about it. And that's a
Speaker 11: terrible thing. I mean, it's just awful what folks will do.
Speaker 2: Wow. Let's Dan McKenzie's on the line. McKenzie law, a
Speaker 2: state planning attorney. Hey, Dan, Hey, So listen, Miles was
Speaker 2: about he's helping his parents.
Speaker 6: He has power of attorney.
Speaker 2: He's helping his parents sell their home and move into
Speaker 2: an assisted living facility that they picked out. But now
Speaker 2: the mom is having second thoughts, and he says the
Speaker 2: dad basically is totally incompetent, and he thinks the mom
Speaker 2: is too. How can he make them sell the house
Speaker 2: and move? At that age this becomes a very delicate topic.
Speaker 2: How do you navigate that? Dan?
Speaker 14: Yeah?
Speaker 27: Is that related to the conversation you were just having
Speaker 27: about the ya?
Speaker 8: Okay?
Speaker 2: Because yes?
Speaker 17: Usually so?
Speaker 27: Yeah, I think Kelly told me there's a power of
Speaker 27: attorney in play that. A power of attorney just says
Speaker 27: you can act on my behalf, but I still can too,
Speaker 27: and you can orally revoke powers of attorney. Actually it
Speaker 27: doesn't take anything fancy, so the person who signed the
Speaker 27: power of attorney really still has full control. They're just
Speaker 27: saying you also can.
Speaker 23: Do stuff for me.
Speaker 27: So if he feels like, look they need to not
Speaker 27: have control anymore. That does require a court order.
Speaker 2: Now, how is that done practically? How is it done?
Speaker 27: You petition the court to have a conservative appointed for
Speaker 27: these I.
Speaker 5: Mean, but you can do that for him, right? Isn't
Speaker 5: that typically how it would be done?
Speaker 27: Yeah, it's not a pleasant process. I will tell you
Speaker 27: that because the courts are appropriately nervous about it, because there,
Speaker 27: in a way a person's right to handle their own affairs,
Speaker 27: So they do. Typically there's going to be a hearing,
Speaker 27: you might need witnesses. Well, you definitely will need witnesses.
Speaker 27: You might need expert witnesses. And if the parents think
Speaker 27: sometimes the person who's the subject of the whole thing
Speaker 27: is sitting there saying no, I'm fine, and they don't
Speaker 27: always win that argument. But they can be there. It
Speaker 27: doesn't mean they're you know, unconscious in the hospital. They
Speaker 27: might be walking around and doing stuff, and that's the
Speaker 27: whole problem. So it's it is a pretty intense process
Speaker 27: actually in a lot of cases.
Speaker 2: Okay, And what happens to the parents? Do they get
Speaker 2: to hire an attorney? You know what? It seems to
Speaker 2: me like it's a little unbalanced if some young aggressive
Speaker 2: I'm not saying that's happening with Miles, but some younger
Speaker 2: aggressive child wants to take control of the finances and
Speaker 2: their parents are the parents, Like who represents the parents
Speaker 2: in these hearings.
Speaker 27: The parents can hire an attorney if they do. I've
Speaker 27: been in that position. If the court is concerned that
Speaker 27: they're not represented, they can point a guardian at item
Speaker 27: who can show up and basically be there to advocate
Speaker 27: and be how it's almost like having the you know,
Speaker 27: public defender appointed if you're in a criminal manner, but
Speaker 27: that yeah, it's a guardian appointed to argue in their behalf.
Speaker 2: Uh huh. So do you have any questions about it? Miles? Okay,
Speaker 2: I have to Miles.
Speaker 16: That I have to.
Speaker 14: I have to explain the whole situation that we are
Speaker 14: in right now, Okay, go ahead. Is that Okay, my
Speaker 14: father at home fell on my mother and she broke
Speaker 14: her ribs, and so they are now in a rehab facility.
Speaker 14: But my mother is good enough to be released, but
Speaker 14: they won't lease because he is in an unsafe environment.
Speaker 14: And we've been trying for years to get them to
Speaker 14: get out of their house. But we have all these
Speaker 14: doctors report saying that they cannot go home in the
Speaker 14: same situation that they're at. And we can hire a
Speaker 14: twenty four hour caregiver, but that's like thirty thousand dollars
Speaker 14: a month, and whereas we can put them into an
Speaker 14: assistant living a really nice place for like ten thousand
Speaker 14: and five.
Speaker 2: And Dan McKenzie, Yeah, Dan McKenzie, would that be worth taking,
Speaker 2: you know, trying to make a run for guardianship.
Speaker 27: Yeah, yeah, I mean that's probably what's Okay, happened, and
Speaker 27: that's you know, the family doesn't do it. The hospital
Speaker 27: might have already contacted Adult Protective Services. Sometimes they can
Speaker 27: involved in these situations where there are people living on
Speaker 27: their own or relation should not be.
Speaker 2: You know, let me just say it, Miles.
Speaker 6: You need you need a consultant attorney.
Speaker 2: I need to take a break and Dan McKenzie is
Speaker 2: co Plans dot co. The number is a three three
Speaker 2: co plans. Go with a sure thing Denver's Best Roofer
Speaker 2: Excel Roofing dot com. You don't pay a cent until
Speaker 2: you're content. Three Time for an insurance check up free,
Speaker 2: no obligation comparison call Compass Insurance paying too much your
Speaker 2: coverage at dozens of insurance companies find out now three
Speaker 2: oh three seven to seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate Man dot com to list your home with
Speaker 2: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 1: Ripped of need so you don't have carunos as the.
Speaker 3: Shooter's gonna help. Come man, this is.
Speaker 2: The Troubleshooter Show. No Tom Martino, Hey Tom Martina. Here
Speaker 2: along with major Mark Major and the crew back at
Speaker 2: the station. We are here to help you solve problems,
Speaker 2: answer questions, and take complaints. This is how I brought
Speaker 2: to you by One Clear Choice Garage Doors, and I
Speaker 2: really think it's a clear choice. When it comes to
Speaker 2: garage door maintenance, repairs, installation openers and everything else. Go
Speaker 2: to one Clear Choicedoors dot com. It's one Clear Choice
Speaker 2: Garage Doors. But the website is one Clear Choice doores
Speaker 2: dot com. All of their prices on there, everything they do,
Speaker 2: and they're open twenty four to seven One Clear Choice
Speaker 2: Doors dot Com. Well, let's talk about your life. Kevin
Speaker 2: has a question about drilling and when it comes to
Speaker 2: royalty or working interests. When people own oil and gas,
Speaker 2: they either own a royalty or that means they simply
Speaker 2: own the land or did something that awards them loyalty
Speaker 2: for a gate count or every barrel, or they have
Speaker 2: a working interest which means they're part of the corporation
Speaker 2: that's doing the drilling.
Speaker 6: Or they have property owner.
Speaker 2: Rights which are direct leases to the mineral companies. And
Speaker 2: which do you have, Kevin, this land that you bought,
Speaker 2: did you buy the mineral rights?
Speaker 13: No, we don't have mineral rights with it. We do
Speaker 13: get some money for each additional gas self. So I'm
Speaker 13: not trying to be ridiculous. I just didn't know if this.
Speaker 2: Is well, hold on, hold on, So you own the
Speaker 2: surface rights? How much land are we talking about?
Speaker 13: Total properties? Thirty five acres? This is the this is
Speaker 13: the this is the question part we're having we keep
Speaker 13: going around and around with them. Is when we are closing,
Speaker 13: we were showing a paper from the old gas company,
Speaker 13: showed up two acre permanent gas well pad. And then
Speaker 13: then then they wanted us to sign a paper saying
Speaker 13: we give a more area and this from the old company.
Speaker 13: We said no, we get a lawyer. Lawyer looked at
Speaker 13: I said, don't sign it. And now they've changed hands.
Speaker 13: Now this new company is saying they have a four
Speaker 13: acre additional four acre temporary construction site. But that was
Speaker 13: part of the surface use agreement that expired in October
Speaker 13: of twenty four.
Speaker 2: Okay, if it expired, it's expired. It's that easy. If
Speaker 2: there was an automatic renewal option that would be in it.
Speaker 6: Everything would be in your documentation.
Speaker 2: So are you asking me, are they allowed to take
Speaker 2: an expired agreement and extend it? No, they're not.
Speaker 13: Okay, and thank you. That's what we're trying to figure out.
Speaker 13: Of course, when we talk to the new old Gast guy,
Speaker 13: he keeps me, I have no idea.
Speaker 16: I have no idea what you're talking about.
Speaker 13: We're like, well, it's in our closing papers. We'll send
Speaker 13: them to you. But I thought it maybe we should
Speaker 13: talk to somebody like yourself first before we do.
Speaker 2: And Kevin, you, so you have thirty five acres, it's
Speaker 2: called thirty five acres with outside mineral rights. You're you
Speaker 2: said the working contract expired in October. That would have
Speaker 2: allowed them, that would have allowed them to double the pad.
Speaker 9: Right, yes, exactly, okay, and.
Speaker 2: It's expired. Did you say to the person, well, that's
Speaker 2: an old agreement.
Speaker 13: That's what we've been saying to them, and they keep
Speaker 13: blowing past it, saying we're going to come in, put ourselves,
Speaker 13: we're going to put our seven wells, and we're going
Speaker 13: to be in and out right away. It's okay, but
Speaker 13: technically after October you're not even supposed to be on
Speaker 13: the property. You don't have a surface use agreement past
Speaker 13: October of twenty five. You were supposed to reclamate this
Speaker 13: and be gone at that point.
Speaker 2: Well, then then you're you know, they're just hoping that
Speaker 2: you're not going to do anything.
Speaker 13: Okay, And then one more quick question with that is
Speaker 13: on under closing papers. The as built diagram from the
Speaker 13: old Guess Law company showed a two acre permanent side
Speaker 13: two point zero four acres as the permanent production facility.
Speaker 13: Can we hold them to that saying that that is
Speaker 13: all you were allowed since that is what we were
Speaker 13: are closing paper showed from the old oil of course,
Speaker 13: does that makes sense?
Speaker 3: Of course?
Speaker 2: Of course, unless the closing docs were in error and
Speaker 2: the underlying paperwork says more. You know, the original contract
Speaker 2: for mineral rights is what is what's going to prevail.
Speaker 2: So if someone misrepresented the property upon sale and your
Speaker 2: closing docs say that, you just have to make sure
Speaker 2: the closing docs jive with the original paperwork.
Speaker 13: Okay, And the original state permit showed a four acre pad,
Speaker 13: but our papers as an as built shows a two
Speaker 13: point oh you know, two acre permanent see.
Speaker 2: Kevin, Kevin, Now that's burying the lead. You're telling me
Speaker 2: that there was original paperwork for four acres on.
Speaker 13: The original Oh yeah, that's just a blanket and it
Speaker 13: also showed eighteen wells. But they can't put eighteen wells
Speaker 13: on four.
Speaker 2: That was just it doesn't matter. It doesn't matter. There's
Speaker 2: original paperwork for eight acres you're saying, or four acres. Okay,
Speaker 2: hold on, and this four acres was for the pump pads.
Speaker 13: I'm assuming so because that doesn't really show up on anything.
Speaker 2: Okay, then hold on. Then then why did you tell
Speaker 2: me they only have two acres?
Speaker 13: Because the as built on our closing papers from the
Speaker 13: old Nickel Road operating, you know, shows a schematic and
Speaker 13: shows two acres outline it says permanent production facility two acres.
Speaker 2: Hey, that's true. What so, here's what they're saying. There's
Speaker 2: four acres, they've used two of them, and they advise
Speaker 2: you that of closing. That doesn't take away the other
Speaker 2: two acres. Kevin, Okay, okay, that doesn't. That doesn't I mean, sir,
Speaker 2: and I don't even know what you're talking about as
Speaker 2: far as this. You said something the surface use agreement
Speaker 2: for pump heads expired. That's true. They can't expand it,
Speaker 2: but they don't have to. They have four acres.
Speaker 13: Well, they need more than the four to put their
Speaker 13: temporary construction site, though I think the whole the additional
Speaker 13: pad is well.
Speaker 2: The temporary construction. Listen, bro, the temporary construction is not
Speaker 2: a surface use agreement. Okay, the temporary construction is outside
Speaker 2: of the surface use agree. So you have to go yes,
Speaker 2: it doesn't matter. Here's what they're saying. We own surface
Speaker 2: rights to your property, and in order to do it,
Speaker 2: we have to put some wells on there, and in
Speaker 2: order to do it, we're gonna have some extra property
Speaker 2: we use temporarily for equipment. That separate agreement for the
Speaker 2: construction site or the equipment is what prevails. Otherwise what
Speaker 2: you're going to end up doing. You can thwart them
Speaker 2: a bit, but the bottom line is if they have
Speaker 2: the four acres, they're going to use the four acres.
Speaker 2: And if you technically end up being correct, well you
Speaker 2: can have the four acres, but you can temporarily use
Speaker 2: our property for storage. Well, then they're just gonna bring
Speaker 2: equipment in and out of the property as they need it.
Speaker 2: On the four acres. It's not going to get you
Speaker 2: out of that four acre commitment. The original paperwork is
Speaker 2: what prevails. You bought it subject to those four acres
Speaker 2: being an oil site. Do you get paid anything.
Speaker 13: For this, Yeah, we get, we get We're gonna get
Speaker 13: some for the additional wells. Yeah yeah, we're gonna get
Speaker 13: some for that additional wellhead.
Speaker 2: Do you get regular checks or is it a one
Speaker 2: time payment?
Speaker 13: No, just just a one time payment on it.
Speaker 2: Okay, Kevin, I think every I don't think they're trying
Speaker 2: to screw you. And I caution people if you have
Speaker 2: if you buy property with outside mineral rights, you better
Speaker 2: be very very certain that you can live with the
Speaker 2: terms and conditions. There have been some people that bought
Speaker 2: property when I was out buying property back in the day,
Speaker 2: and they buy property subject to these rights, not thinking
Speaker 2: anything would happen, and they end up not being able
Speaker 2: to build a subdivision or something they wanted to build
Speaker 2: on a good part of it because of it, because
Speaker 2: it severely restricts you. So I hope the rest of
Speaker 2: your land though it doesn't hinder the use of your land, right.
Speaker 13: Oh no, no, Look it's on the north end. I
Speaker 13: mean we knew obviously, we knew it there and the
Speaker 13: site clear at the north end of the property. It's
Speaker 13: not like in the middle of the properties. You know,
Speaker 13: to us We're fine with it. When we bought it,
Speaker 13: it just we thought they were going to reclimate it
Speaker 13: and get out, and then all of a sudden they
Speaker 13: show up saying they're going to still do a bunch
Speaker 13: of work. And we thought that that that the surface
Speaker 13: use for the the temporary construction part expired, but apparently
Speaker 13: it doesn't, so that's fine too, all.
Speaker 2: Right, Kevin, thank you for calling three O three seven
Speaker 2: one three talks seven one three eight two five five.
Speaker 2: We have more coming up on the Troubleshooter Show. Go
Speaker 2: with a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three all three seven to seven
Speaker 2: to one. Help. You'll think you're his only customer when
Speaker 2: you choose Frank durand the real estate Man dot com
Speaker 2: to list your home with Remax Alliance three oh three
Speaker 2: nine two zero sixteen twenty two. Hi Tom Martine here
Speaker 2: at three O three seven one three talk seven one
Speaker 2: three A two five five. Well, we got a lot
Speaker 2: going on today, a very eclectic lists of problems. Let's
Speaker 2: talk to Phil on his homeowner's insurance.
Speaker 6: Phil, go ahead, what's happening with you?
Speaker 2: Phil?
Speaker 20: Hey? Tom, if you recall about a week, week and
Speaker 20: a half ago, this woman called in for this older
Speaker 20: lady that had problems on a roof and she would
Speaker 20: with home site insurance. Do you recall anything.
Speaker 2: I recall something like it. I don't recall it specifically,
Speaker 2: what is the problem?
Speaker 20: And the insurance company was only going to pay her
Speaker 20: eight hundred dollars to repair her roof or something like that.
Speaker 2: I remember something like that. Home Site. Yeah, here's what happened.
Speaker 2: It's it was a ninety year old woman, Ruth had
Speaker 2: AARP insurance for twenty five years. They dropped her and
Speaker 2: she got a new policy with home Site. After a
Speaker 2: year and a half, she had a hailstorm and her
Speaker 2: insurance only paid eight hundred dollars. That was assigned to
Speaker 2: Deputy D. Deputy D. What happened with that? He's not here, Tom,
Speaker 2: He stepped out for the Rockies. Oh, I thought he sorry,
Speaker 2: we didn't wh okay, Well, you know what, I don't
Speaker 2: know what happened with that?
Speaker 20: Yeah, I was kind of curious because I have Homesite
Speaker 20: Insurance is a Geico sister company, Homesite I had.
Speaker 6: We'll get that update from a Monday for you for sure.
Speaker 20: Man, Yeah, Mark, I need you to fight for me.
Speaker 2: Mark, Well tell me what's going on, Tom, tell us
Speaker 2: what's going on.
Speaker 20: Twenty twenty three February, I had water damage caused by
Speaker 20: water pressure going in from the from the street, from
Speaker 20: the meter. I had one hundred and twenty pounds of.
Speaker 2: Pointa phil Phil. So you're saying that the city's water
Speaker 2: meter was off.
Speaker 20: Yeah, like one hundred and twenty pounds or one hundred
Speaker 20: and ten pounds to pressure.
Speaker 2: But was it the cities? What was it the city's
Speaker 2: meter that did that?
Speaker 20: Yes, Arveda, Colorado.
Speaker 2: Yes, okay, so go ahead.
Speaker 20: So I talked to a couple of guys that came
Speaker 20: out looked and that he said that my water pressure
Speaker 20: is way too high. So they put a regulator on there.
Speaker 20: And I said, you know, I've been here for thirty
Speaker 20: seven years the same place. I've never had trouble with
Speaker 20: this before. So anyways, let's let's get get to it that.
Speaker 2: What happened when you put phil, when you put a
Speaker 2: regulator on. So did they go into your basement or
Speaker 2: wherever and say, we're going to regulate the pressure.
Speaker 20: Yes, yeah, yeah, so they put that on there and
Speaker 20: then they turned it and that you cut down the pressure.
Speaker 20: But man, I'll tell you.
Speaker 16: Anyway, what tell me?
Speaker 20: Tell me mine from the thicket busted. I had water
Speaker 20: all over the basement, probably about six inches of water everywhere.
Speaker 14: And uh, I called.
Speaker 2: What company put in? What company put in the secondary
Speaker 2: what company put in that secondary regulator valve?
Speaker 20: It was the city, Yeah, it was a city. And
Speaker 20: I told him, I said, you know what. I went
Speaker 20: down there and I told you you caused my problem
Speaker 20: because I two of my toilets blew out too, and
Speaker 20: I had to replace Phil.
Speaker 2: Phil. Yeah, I know, I know that. I know you
Speaker 2: have the story in your head. Let me let me
Speaker 2: just recap. You're saying that the water damaged the bottom line,
Speaker 2: the water damage your property due to our Vada City
Speaker 2: water system, right.
Speaker 20: Yeah, too much pressure or volume.
Speaker 2: But I don't understand this part. When you complained about
Speaker 2: the pressure, they put a secondary water pressure valve in.
Speaker 20: Yeah, after my plumber came out and fixed the piping,
Speaker 20: and then matter of fact, they didn't do it. The
Speaker 20: plumber put in the regulator.
Speaker 8: That yeah, I was.
Speaker 5: I was going to say, I have generally they just
Speaker 5: run you the tap. Then you have a regulator.
Speaker 2: At your house, right right, That's what I was saying. So,
Speaker 2: so here's here's the thing, Phil, I don't think that
Speaker 2: original damage was done by Arvada at all. It's because
Speaker 2: your valve went bad and then you had a new
Speaker 2: valve put in. You can't blame the city for this.
Speaker 6: It's two years ago. So why why the call today
Speaker 6: about it? I don't get that part.
Speaker 20: Well, listen, I'm having trouble with Home Site Insurance in
Speaker 20: the claim. I had four people over here on the
Speaker 20: damage on the basement. The insurance company paid me, which
Speaker 20: I didn't like the price neither, But they did pay
Speaker 20: me for my personal property.
Speaker 2: But why did they they decline?
Speaker 6: Why did they decline everything? But the persons?
Speaker 2: I don't even know what they declined. He just said
Speaker 2: they paid for his personal property. What did they.
Speaker 6: Decline the damage? Like what, I'm flooring?
Speaker 14: What?
Speaker 20: Yes, you're right, mark the flooring everything else. And I
Speaker 20: called them back up a couple months later, and he said,
Speaker 20: you know, you never told us how much is going
Speaker 20: to cost for the construction, the carpet, the tiling and
Speaker 20: all the old stuff.
Speaker 2: Phil, So I, Phil, you said something, Phil, hold On,
Speaker 2: you said something about two failures. I think you said
Speaker 2: in February twenty twenty three the pipers due to high pressure.
Speaker 2: Then your plumber came in and put a new one in,
Speaker 2: and that one failed to or not or was I misunderstandable?
Speaker 20: No, no, it didn't fail. It's worth yeah, okay, fixed
Speaker 20: it right, and he got it. He put the regulator in,
Speaker 20: but got it. They did pay me for my personal
Speaker 20: property at that time, but not the construction part, the paneling,
Speaker 20: the tile, the flooring, the ceiling tile where the water
Speaker 20: came in from the ceiling because of.
Speaker 2: This, Okay, let's get Compass insurance on hold On, Phil,
Speaker 2: I don't even want to talk because I don't know
Speaker 2: why they would pay for personal property but not the
Speaker 2: other It's kind of weird. Let's ask Brian Burns from
Speaker 2: Compass Insurance to come on, all right, then we'll learn something.
Speaker 2: Three oh three seven one three talk three oh three
Speaker 2: seven one three eight two five five. Hey, valet parking
Speaker 2: at a hospital. It's a great topic. We're gonna talk
Speaker 2: about coming up. I'll tell you why. I find it
Speaker 2: to be one of the most convenient services ever, and
Speaker 2: it's always free. But Key has a problem. We'll find
Speaker 2: out about that and more coming up on the Troubleshooter Show.
Speaker 2: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content
Speaker 2: time for an insurance check up free, no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three oh three, seven
Speaker 2: to seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: oh three nine two zero sixteen twenty two. I'm Tom Martine.
Speaker 2: You're Troubleshooter three three seven one three talks seven one
Speaker 2: three two five five. Brian Burns is with us from
Speaker 2: the Insurance Health Center dot com or or Compass Insurance Group,
Speaker 2: home of the free insurance checkups. I'll give you that
Speaker 2: number when he's done. Hey, Brian, so, Phil had a
Speaker 2: water pipe burst due to improper water pressure and his
Speaker 2: insurance company is paying for his personal property, but won't
Speaker 2: pay for any of the cosmetic repairs.
Speaker 9: That does not make sense to me. Okay, so you're saying,
Speaker 9: like the damage to the carpet, drywall, that kind of stuff,
Speaker 9: they're not willing to pay.
Speaker 2: For that, right, they won't pay for that, only his
Speaker 2: personal property.
Speaker 9: That makes zero sense. Does he have a denial letter?
Speaker 6: Well, I think we're missing part of it. If I
Speaker 6: had to ask him, and we'll bring him back up.
Speaker 6: But Phil, did you ever get them an estimate or
Speaker 6: anything anything at all?
Speaker 20: Listen? Mark, Tom listened. I got two estates, one from
Speaker 20: Handymanned Connections his name, Yes, yeah, okay, I got an
Speaker 20: estimate there from Ace Handymanned Connection estimate. I had both
Speaker 20: of them come out here.
Speaker 2: Phil.
Speaker 5: Did you give me to your insurance company?
Speaker 20: Well, let me finish. So they told me to send
Speaker 20: them the estimate the insurance company. They did not receive
Speaker 20: the estimates. A week later, I called them and they
Speaker 20: said they didn't receive this.
Speaker 5: Okay, Brian, this is two years ago, so I want
Speaker 5: I want Brian to understand that part too.
Speaker 2: Yeah. But here's what I need to know, Phil, Here's
Speaker 2: what I need to know. They did not pay for
Speaker 2: any of the repairs. Now correct me if I'm wrong, Brian.
Speaker 2: If something uncovered broke, they would fix the damages that
Speaker 2: the uncovered item caused, but it would not cover the
Speaker 2: It would not cover the repair of the uncovered item, exactly.
Speaker 9: That's exactly right. The damage that's caused from it is
Speaker 9: what would be covered. But what makes zero sense to me, Tom,
Speaker 9: is if you're going to cover the personal property, why
Speaker 9: in the world where would did the exclusion be for
Speaker 9: the actual dwell?
Speaker 6: There is no exclusion.
Speaker 5: He never sent the estimate in or he sent it,
Speaker 5: but nobody ever got it.
Speaker 9: Okay, gotcha? So that's really do you think that's what?
Speaker 2: Well, how do you know, Mark, how do you know?
Speaker 2: Because that's what Phil literally just said.
Speaker 20: All right, Phil, listen tomp So, after I had that
Speaker 20: water damage done in February or January where I had
Speaker 20: that water pressure problem and it busted the line, a
Speaker 20: month later, I got a letter from the insurance company
Speaker 20: that they are going to cancel my insurance. On March fifteenth.
Speaker 20: I thought, okay, you're playing hard ball with me. Okay,
Speaker 20: So I called Excel Roofing and I talked to Jeff
Speaker 20: Smith down there he came out, looked at my roof
Speaker 20: and said that I got damage on my roof for
Speaker 20: hail damage. So they home said, sent out adjuster with
Speaker 20: Jeff got up on the roof and the adjuster said,
Speaker 20: you don't have hell damage. You do have heal damage.
Speaker 20: But it happened in twenty nineteen. They they died by
Speaker 20: claim there. I said, okay, I'm going back to the
Speaker 20: basement where I had that water damage and reopened the
Speaker 20: claim up with this, which should be the same place.
Speaker 2: Phil, you're making You're making no sense to me. So
Speaker 2: when they told you they were going to cancel you,
Speaker 2: you decided to put in a roof claim. Why didn't
Speaker 2: you put in a roof claim before that?
Speaker 20: I thought, well, March fifteenth. I thought, well, I'm going
Speaker 20: to have my roof checked out before March fifteenth.
Speaker 2: But Phil, they Phil having your roof checked out, Phil,
Speaker 2: it has to be tied to a specific event. You
Speaker 2: don't just get to get the insurance company to give
Speaker 2: you a new roof, even if you have hail insurance.
Speaker 20: Brian tell them, I understand that.
Speaker 2: So so so what did they turned down your roof?
Speaker 2: It probably was old hail damage. They don't have an
Speaker 2: obligation to pay for anything more than.
Speaker 12: A year old.
Speaker 20: Well, according to from Jeff Smith of Excel the manager,
Speaker 20: he said that he doesn't live too far from me
Speaker 20: and he got hailed too back in June. It doesn't
Speaker 20: matter time.
Speaker 2: Well then, Phil, then Phil, you have to prove it. Then, Phil,
Speaker 2: you know what, You don't just get to put in
Speaker 2: claims because you think it's a good idea to Mesu's
Speaker 2: not the roof. His issues the basement, that's right, Mark, Yeah,
Speaker 2: because he was pissed off about the roof, so he
Speaker 2: went back to the basement. And the basement's not being covered.
Speaker 2: And I don't know why did you get a denial letter?
Speaker 14: No?
Speaker 20: I did not.
Speaker 2: Well, then how do you know it's not being paid?
Speaker 20: Well, this has been going on since.
Speaker 2: Did you submit a bill? Did you submit a bill?
Speaker 17: Well?
Speaker 20: I gave them two estimates, one from Handyman's connection and
Speaker 20: one from a And what.
Speaker 2: Did they say? What did they say when you gave
Speaker 2: them the estimates?
Speaker 20: They said that they look into it, and Uh, get
Speaker 20: in touch.
Speaker 6: With me, Tom, I don't think you're following.
Speaker 2: What the hell do you mean I'm not following?
Speaker 20: Come on, Mark, I need Jordan the guy put in here.
Speaker 2: He put in a claim for an insurance what he's now.
Speaker 2: Here's what it boils down to. After all those kakamamie stories,
Speaker 2: it all boils down to this. He has an insurance
Speaker 2: claim for damages to his house due to a water burst,
Speaker 2: and they never got back to him after he sent
Speaker 2: him estimates.
Speaker 6: They never turned him down. He doesn't have a denial letter.
Speaker 2: Oh, they never.
Speaker 22: Turned him down.
Speaker 20: I want to ask you another question, tom or Mark
Speaker 20: mark sure ahead listening? Mark on the damage on my
Speaker 20: personal property which they paid me? Yes, and my deductible.
Speaker 20: You wouldn't believe what my deductible was. It was four
Speaker 20: four and seventy dollars.
Speaker 3: Wow.
Speaker 20: Yeah, they put me in a mouse house. But anyways, what.
Speaker 2: What was the question I got?
Speaker 20: I got the claim for the construction damage like the
Speaker 20: floor and the tile and everything else.
Speaker 10: Got it?
Speaker 20: Do I still have to pay another deductible?
Speaker 2: No? Oh, what are you talking about? Only if it's
Speaker 2: another Only if it's another event. If it's another.
Speaker 20: Event, you do it's the same claim number.
Speaker 2: No, then you don't pay another deductible? Okay, Phil, I
Speaker 2: suggest you call a public adjuster. Give him the name
Speaker 2: of services off the Brian. I'm putting him on.
Speaker 6: Hold real quick.
Speaker 5: Seriously, though, Let's say we go back to February of
Speaker 5: twenty twenty three and they were paying on the claim.
Speaker 5: That's evident because they put him up somewhere in his
Speaker 5: mouse house and they paid for some of his personal items.
Speaker 5: And let's say he did get estimates but he never
Speaker 5: got him to them, or they're claiming they never got him.
Speaker 5: When does that expire? How long do you have after
Speaker 5: January of twenty twenty three to still deal with this claim.
Speaker 9: Well, that's a great question, because to file the claim,
Speaker 9: you have, like Tom mentioned the twelve months. With most carriers,
Speaker 9: they look at that you have one year. But when
Speaker 9: you file the claim and you want to reopen, I
Speaker 9: believe that timeframe is longer. So I really think you would.
Speaker 2: I think it's three years, exactly.
Speaker 9: What I think it is too. I think it's three
Speaker 9: I think what we.
Speaker 5: Do then, in all seriousness, we put this either with
Speaker 5: Dimitri or Bow or Doc and they call up this
Speaker 5: guy and then make a call to the insurance company
Speaker 5: to see where it's at at.
Speaker 9: Right. Yeah, well, yeah, I mean yeah, that's what we do.
Speaker 2: Heard I never even heard Mark that's exactly what we do.
Speaker 15: Yeah.
Speaker 9: I don't even know if they ever acknowledged that they
Speaker 9: got the.
Speaker 2: They did it. Yeah, I'm gonna hope they never did. Phil.
Speaker 5: I'm gonna ask Phil a question real quick, Phil, just
Speaker 5: the answer to this. Did they say they never receive
Speaker 5: those estimates?
Speaker 2: Is that yes? Or no?
Speaker 20: Sh No, they did not receive Thank you.
Speaker 6: Okay, that's it, So we're on the right path now.
Speaker 6: See that was easy.
Speaker 16: I got.
Speaker 2: I gotta move on. Jay, you have a comment on this,
Speaker 2: Go ahead, Jay, quickly. What's your comment?
Speaker 16: He had one hundred, He had one hundred and twenty psi.
Speaker 16: They put in a regulator, then a pigot blue and
Speaker 16: flooded the basement. The spigot runs from the basement out
Speaker 16: to the exterior of the house. They probably have no
Speaker 16: protection on the spigot, just the interior of the house plumbing.
Speaker 16: If they still have one hundred and twenty psi at
Speaker 16: are that a He still has one hundred and twenty
Speaker 16: psi at those particular points in his house, and he
Speaker 16: could have a lot more trouble come in his way.
Speaker 2: So he needs to make well, Okay, good point. Good point.
Speaker 2: If they didn't put it in the right place, or
Speaker 2: if he has pressure coming in he needs a plumber
Speaker 2: to check it out to make sure he doesn't have
Speaker 2: future problems. We have more coming up on the Troubleshooter Show.
Speaker 2: Go with a sure Thing Denver's Best Roofer Excel Roofing
Speaker 2: dot com. You don't pay a cent until you're content.
Speaker 2: Time for an insurance checkup free, no obligation. In comparison,
Speaker 2: call Compass Insurance paying too much your coverage at dozens
Speaker 2: of insurance companies find out now three all three seven
Speaker 2: to seven to one help. You'll think you're his only
Speaker 2: customer when you choose Frank durand the real estate Man
Speaker 2: dot com to list your home with Remax Alliance three
Speaker 2: oh three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 2: let's talk to Key No pun intended. He has a
Speaker 2: valet issue. Key. What's happening?
Speaker 20: Hey, Tom?
Speaker 22: Yeah, I brought my car into uh the hospital valet parking.
Speaker 22: I left noticed that there was a scratch on my
Speaker 22: front bumper. Came back.
Speaker 2: What hospital was it? What hospital? You see?
Speaker 22: You see hill?
Speaker 2: Okay, now you see health. What they do is they
Speaker 2: take pictures of the car before they park it.
Speaker 22: Exactly exactly, so I thought that, Uh so, what happened
Speaker 22: to the picture? I came back, I said that my
Speaker 22: car was scratched here, and uh they told me, uh,
Speaker 22: hold on, wait, uh took a little information. I speak
Speaker 22: to a supervisor. Then they told me that they were
Speaker 22: in a meeting. Then uh, I said, wait, I'm waiting now,
Speaker 22: I'm here exactly right now, and they just now came
Speaker 22: out right when you came under the line, I know,
Speaker 22: I came like, and what did they say? They're saying
Speaker 22: that they're not responsible because I left?
Speaker 6: What does that mean?
Speaker 13: You?
Speaker 2: What do you mean you left? What does that mean?
Speaker 22: The incident happened yesterday at one fifteen. We were in
Speaker 22: there to a well actually twelve fifteen. Between twelve fifteen
Speaker 22: and one thirty four and one thirty four, I came out,
Speaker 22: picked up the truck, went home, woke up this morning,
Speaker 22: came out.
Speaker 5: And see, Oh they're saying Tom that basically he's had
Speaker 5: the truck the last twenty four hours.
Speaker 6: How did they know they did.
Speaker 22: The damage exactly exactly what they're saying.
Speaker 6: I mean, that's a pretty fair question.
Speaker 2: Well hold on, well, hold on, did they was that
Speaker 2: they really take a lot like they take at least
Speaker 2: six photos of each car. Was your car photographed?
Speaker 5: It was, But even if it wasn't there, what they're
Speaker 5: saying is it's there now, but it already left them.
Speaker 9: Right.
Speaker 2: Oh, I get it, I get it. I get it.
Speaker 5: The photos probably don't show the damage, but the damage
Speaker 5: is there the next day.
Speaker 2: He didn't take photos when he picked up the car.
Speaker 7: He took photos before he gave them the car.
Speaker 2: Right, right, But he should have mentioned the scratch when
Speaker 2: he picked up the car, because they're saying it could
Speaker 2: have been done afterwards. But apparently he didn't see it
Speaker 2: when he picked up the car.
Speaker 17: I know.
Speaker 2: But but if you look at the UC health guidelines,
Speaker 2: they tell us to check the car's condition.
Speaker 22: Yeah, I guess so. I never I wanted it was
Speaker 22: my wife to be Okay, So that's all I was
Speaker 22: thinking about at the time.
Speaker 6: Let me ask you this, No, I get you, bro,
Speaker 6: Where were you going out there?
Speaker 22: We were going to cardiology. Is that's what you were asking?
Speaker 2: Was it the outpatient pavilion, the cancer pavilion.
Speaker 16: Which pavilion It's in the main building.
Speaker 2: Okay, let me let me explain something. I know this
Speaker 2: doesn't do you any good, but I want to explain
Speaker 2: something specifically about UC Health Hospital's valet service. They've been
Speaker 2: rated in the top five in the country, okay, and
Speaker 2: for for service and for dependability. And I'm telling you
Speaker 2: that I don't I don't know if they did it
Speaker 2: or not. Okay, I don't know that. But really, where
Speaker 2: was it on the car physically? Where is this scratch?
Speaker 22: It's on the driver's side bumper and I'm already having
Speaker 22: a ding on the bumper and I bought it that way,
Speaker 22: but it goes into the actual body of the truck.
Speaker 2: Okay, why didn't you notice it?
Speaker 22: Well, they had like maybe fifty cars in this area
Speaker 22: that you get the valet in.
Speaker 2: No, you're right, you're right. They hand you the key
Speaker 2: and they want you to get the heck out of there.
Speaker 22: Yeah, and there was an issue with it because.
Speaker 2: Hey, you know what, hold on, hey, Deputy Bow, Deputy Bow.
Speaker 2: Let's see if we can give them a call and
Speaker 2: just see what they say about it. Kevin Call can
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Speaker 2: five seventy two. You can depend on him. Remember, save
Speaker 2: all your problems for me.