WEBVTT 1 00:00:00.680 --> 00:00:09.439 Yea ripped off needed. 2 00:00:09.599 --> 00:00:10.720 That's so you don't have. 3 00:00:12.880 --> 00:00:17.559 Come running just as fast as we can. Shooter's gonna 4 00:00:17.640 --> 00:00:18.719 help coming. 5 00:00:19.120 --> 00:00:24.239 Man Dix is the Troubleshooter Show. No Tom Martino. 6 00:00:25.519 --> 00:00:29.760 Hey, hey, hey Tom Martino. You're Troubleshooter. Welcome to the show. 7 00:00:30.280 --> 00:00:33.479 What's going on in your life? This is Car Day today, 8 00:00:33.560 --> 00:00:37.600 which means we have our car expert or experts, and 9 00:00:37.640 --> 00:00:40.960 we have Kevin Caulkin, Uncle Kevin from Sheridan Auto Tech. 10 00:00:41.399 --> 00:00:44.719 And then I see pretty Sus sitting there along with 11 00:00:44.799 --> 00:00:49.840 pretty Mark, and uh, welcome to the show. How about 12 00:00:49.920 --> 00:00:53.640 pretty Doc? Now, oh, I don't see I don't see you, Doc. 13 00:00:53.719 --> 00:00:56.880 I think they purposely kept you off camera. It's a 14 00:00:56.880 --> 00:01:00.840 little off balance there. Whoever framed that shot? For those 15 00:01:00.960 --> 00:01:04.760 streaming YouTube, go to YouTube, just move it over a little, thanks. 16 00:01:04.840 --> 00:01:07.120 Su Sus is coming up to move that. By the way, 17 00:01:07.239 --> 00:01:10.280 let me talk to everyone. Did we make a mistake? 18 00:01:12.760 --> 00:01:15.920 So I remember one time watching this guy back before 19 00:01:16.000 --> 00:01:20.359 it was popular, and he was an artist painting on 20 00:01:20.439 --> 00:01:25.120 a canvas and he was doing it to rock music. 21 00:01:26.840 --> 00:01:30.280 I forget this guy's name. I think it was Anyway, 22 00:01:30.560 --> 00:01:34.159 So I'll think but anyway, so he's doing rock music 23 00:01:34.480 --> 00:01:37.239 and making scribbles on this canvas, and you think he's 24 00:01:37.280 --> 00:01:39.879 a nut, and you think, get rid of this cat, 25 00:01:40.200 --> 00:01:43.519 get rid of this cat. He's crazy. This is not art. 26 00:01:45.000 --> 00:01:50.480 So then what happens is, Yeah, his name was Denny Dent. 27 00:01:51.920 --> 00:01:56.280 I think he died, Yeah, he died. Anyway, Danny Dent 28 00:01:56.400 --> 00:01:59.040 was making all these scribbles and it looked crazy. It 29 00:01:59.040 --> 00:02:00.560 looked like he didn't know what he was doing. He 30 00:02:00.599 --> 00:02:02.719 looked like he was insane, and he looks at the 31 00:02:02.719 --> 00:02:05.560 audience like, hey, how am I doing? You know, and 32 00:02:06.159 --> 00:02:09.039 people would clap and we thought, what is this? Maybe 33 00:02:09.039 --> 00:02:13.400 it's just modern art. Then toward the end, he turns 34 00:02:13.439 --> 00:02:19.400 it upside down and it's a portrait of someone mark. 35 00:02:19.439 --> 00:02:21.280 Have you ever seen this guy? Has anyone ever seen 36 00:02:21.280 --> 00:02:25.919 this guy? Deputy Doc and I have not? Okay, now 37 00:02:26.039 --> 00:02:29.759 what am I liking in this too? Well, Trump's got 38 00:02:29.759 --> 00:02:35.159 some paintbrushes in his hand and he's painting. But I 39 00:02:35.199 --> 00:02:38.560 don't know if I should be afraid because all hell's 40 00:02:38.560 --> 00:02:40.439 breaking loose and it's going to be the ugliest thing 41 00:02:40.479 --> 00:02:44.639 in the world, or he's suddenly going to adjust things 42 00:02:44.639 --> 00:02:49.919 for us to see. It is a ladder, it's terrifying. 43 00:02:50.560 --> 00:02:51.599 It's terrifying. 44 00:02:51.680 --> 00:02:57.080 Watch the Dow drop over three thousand points in two days. 45 00:02:59.360 --> 00:03:02.759 Now, it is terrifying. But I have my I have 46 00:03:03.520 --> 00:03:04.000 go ahead. 47 00:03:04.400 --> 00:03:06.599 You want to hear some of the tariffs and other 48 00:03:06.639 --> 00:03:08.319 countries place on US goods. 49 00:03:08.599 --> 00:03:09.719 Let me give you a rundown. 50 00:03:11.000 --> 00:03:15.719 Vietnam is forty six percent, India's twenty six percent, Switzerland 51 00:03:15.800 --> 00:03:20.879 thirty one percent, Indonesia thirty seven percent, Japan twenty. 52 00:03:20.800 --> 00:03:24.039 No, wait, doc, doc, are you saying are you saying 53 00:03:24.080 --> 00:03:26.759 that before this trade war those were in effect? 54 00:03:26.960 --> 00:03:27.159 Yes? 55 00:03:27.719 --> 00:03:30.520 Yeah, we all know it's not fair. But man, was 56 00:03:30.560 --> 00:03:34.120 this quick? Here's here's what. I thought we'd be a 57 00:03:34.159 --> 00:03:38.479 little up today, honestly from yesterday. But when China hit 58 00:03:38.560 --> 00:03:41.039 us back with that thirty four percent, what's going to 59 00:03:41.080 --> 00:03:45.759 be interesting is what our move is next with China. 60 00:03:45.919 --> 00:03:48.159 The rest of it I don't worry about. I mean, hell, 61 00:03:48.199 --> 00:03:48.560 we're there. 62 00:03:48.639 --> 00:03:52.319 Do you believe just one quick question before I get 63 00:03:52.319 --> 00:03:55.400 into what I wanted to say, do you believe that 64 00:03:56.680 --> 00:03:58.479 a president should have that power? 65 00:03:58.960 --> 00:03:59.400 Absolute? 66 00:03:59.520 --> 00:04:03.439 Laterally? Absolutely? You don't think Congress should be in on 67 00:04:03.520 --> 00:04:04.520 these tariffs? No? 68 00:04:04.599 --> 00:04:06.479 Not on the tariffs? No, not at all. 69 00:04:07.719 --> 00:04:11.280 Okay, Now here's what I want to say. So we 70 00:04:11.400 --> 00:04:15.719 have all of this happening, and does he know what 71 00:04:15.759 --> 00:04:18.800 he's doing? Is he a genius? Or is it? And 72 00:04:18.800 --> 00:04:22.959 then another thing, even if his plan does work, it's 73 00:04:23.000 --> 00:04:25.639 gonna take three or four years. No, So is. 74 00:04:25.759 --> 00:04:28.160 He not bring the stock market back? 75 00:04:28.319 --> 00:04:29.480 No way, three or no. 76 00:04:29.600 --> 00:04:32.560 No, No, not to mark, Not for the stock market. 77 00:04:32.879 --> 00:04:34.199 I was talking about. 78 00:04:34.000 --> 00:04:37.000 For manufacturing, building plants and everything else. 79 00:04:37.040 --> 00:04:38.800 Yeah, but look at all the money, Look at all 80 00:04:38.839 --> 00:04:41.079 the pledges. At least of money coming in. 81 00:04:41.160 --> 00:04:44.720 I mean Apple five hundred billion dollars to. 82 00:04:44.759 --> 00:04:46.560 Four years to get that money. 83 00:04:46.720 --> 00:04:48.079 That's true, that's true. 84 00:04:48.120 --> 00:04:51.240 But it's gonna be here, yes, yes, Okay. 85 00:04:51.279 --> 00:04:54.040 So I have Pat Jolive with me, he's my chief 86 00:04:54.040 --> 00:04:57.040 investment officer over at Wave eight Wealth Management. We're talking 87 00:04:57.040 --> 00:05:00.639 about the market. And one thing he noted is, and 88 00:05:00.920 --> 00:05:04.360 by the way, Warren Buffett always believed, these are the opportunities. 89 00:05:04.680 --> 00:05:06.680 This is when you buy. This is when you go 90 00:05:06.720 --> 00:05:09.600 out and find quality companies and you buy. It's just 91 00:05:09.680 --> 00:05:12.600 explained Pat explained that, I mean, a quality company didn't 92 00:05:12.639 --> 00:05:13.720 go bad all of a sudden. 93 00:05:14.519 --> 00:05:17.040 So are you looking for bargains? 94 00:05:18.040 --> 00:05:18.240 Yeah? 95 00:05:18.279 --> 00:05:20.519 Absolutely, that there's a major sell off going on. If 96 00:05:20.480 --> 00:05:22.600 you've got cash or in position of strength, that would 97 00:05:22.600 --> 00:05:23.560 be the time to be investment. 98 00:05:23.560 --> 00:05:24.959 And when it bounces, you make big. 99 00:05:25.120 --> 00:05:26.600 Hey, you want to be there for sure. 100 00:05:26.639 --> 00:05:30.519 Now we were talking about a lot of people don't 101 00:05:30.560 --> 00:05:33.120 take Warren Buffett's advice and they sell. 102 00:05:32.920 --> 00:05:35.480 And then once you sell, you lock in your loss. 103 00:05:35.920 --> 00:05:38.480 Okay. So there's a lot of people who sold to 104 00:05:38.519 --> 00:05:44.160 a point where we have more cash than in history. 105 00:05:44.480 --> 00:05:48.160 Mark you you understand it goes from stocks and bonds 106 00:05:48.199 --> 00:05:50.720 to cash, cash to socks and bonds, back and forth. 107 00:05:51.040 --> 00:05:55.279 When when the expression going to cash means that you 108 00:05:55.480 --> 00:06:00.600 sold and you're sitting on cash, right, and that sits 109 00:06:00.600 --> 00:06:05.480 in your investment account as cash, right, Yes, and in 110 00:06:05.519 --> 00:06:08.360 some investment accounts you make like four percent or something 111 00:06:08.519 --> 00:06:11.439 depending on Okay. So some of these people are a 112 00:06:11.480 --> 00:06:15.199 lot of them, more than ever, have sold off and 113 00:06:15.240 --> 00:06:18.680 are at cash. But here's something you need to know. 114 00:06:19.319 --> 00:06:24.639 The more cash sitting on the sidelines, the bigger the comeback. Right. 115 00:06:24.680 --> 00:06:28.079 Explain that, Well, that's true, and it's not just individuals, 116 00:06:28.120 --> 00:06:31.480 as a matter of fact, it's probably more institutional excuse 117 00:06:31.519 --> 00:06:33.720 me type money of the pension funds and so on, 118 00:06:33.800 --> 00:06:36.720 and so they have known liabilities in the form of 119 00:06:36.759 --> 00:06:39.360 defined benefit pension plans, and they have to have the 120 00:06:39.399 --> 00:06:42.680 market or the money in the market eventually to keep 121 00:06:42.720 --> 00:06:46.040 pace with what their future liability is. 122 00:06:46.199 --> 00:06:49.639 And so but it has to go back to the market. 123 00:06:49.720 --> 00:06:51.279 It has to go back there. I mean, no one, 124 00:06:51.480 --> 00:06:53.879 you can't run the country when you have a retirement 125 00:06:53.959 --> 00:06:57.000 fund or you have a giant fund or you know, 126 00:06:57.040 --> 00:06:59.160 you have to go back. So if you're in cash, 127 00:06:59.560 --> 00:07:04.040 they're going to go back, absolutely. And that represents great 128 00:07:04.079 --> 00:07:07.279 selling opportunities, right, I. 129 00:07:07.199 --> 00:07:10.879 Mean, well, it represents great buying opportunities in the market. 130 00:07:11.240 --> 00:07:14.079 Cash is buying now. But when cash comes into the market, 131 00:07:14.360 --> 00:07:16.360 the market is going to rebound in a big way. 132 00:07:16.720 --> 00:07:17.399 Absolutely. 133 00:07:17.560 --> 00:07:19.079 And then you know, you look at it from the 134 00:07:19.120 --> 00:07:20.800 other side, and the value that you have in the 135 00:07:20.800 --> 00:07:23.639 investments that you that you own in your portfolio, that 136 00:07:23.759 --> 00:07:25.439 value is going to increase, and then you can you 137 00:07:25.439 --> 00:07:27.720 can start looking to your point of taking some profits 138 00:07:27.759 --> 00:07:30.720 and making sales and so on. But it's it's this 139 00:07:30.839 --> 00:07:33.480 is a sort of an unprecedented thing, and the market 140 00:07:33.519 --> 00:07:37.079 does not like unknowns, right, and so. 141 00:07:36.360 --> 00:07:38.240 So anyway, we're going to go to callers three or 142 00:07:38.240 --> 00:07:40.959 three seven one three talk about Mark really, what's going 143 00:07:41.040 --> 00:07:43.600 to happen now, because a lot of the big forecasters 144 00:07:43.600 --> 00:07:47.279 have said, instead of being at sixty eight at the 145 00:07:47.319 --> 00:07:48.680 end of the year, we're going to be at five 146 00:07:48.759 --> 00:07:51.839 thousand or fifty two hundred or whatever. Then what you 147 00:07:51.879 --> 00:07:54.720 have are people then being hesitant. And it calls what 148 00:07:55.120 --> 00:08:00.319 and I call the whole thing perception omics, because perception omics. 149 00:08:00.240 --> 00:08:03.199 Well, not one thing, value, not one thing has changed. 150 00:08:03.240 --> 00:08:05.959 If you stop at Walmart, King Christ today, there's not 151 00:08:06.040 --> 00:08:06.639 a damn thing. 152 00:08:06.680 --> 00:08:10.360 It's exactly the company didn't suddenly go bad. 153 00:08:10.639 --> 00:08:13.319 That Ford or Chevy cost me the exact same amount 154 00:08:13.319 --> 00:08:14.680 of money it did last week. 155 00:08:15.199 --> 00:08:18.480 Well, yeah, but the perception is going to keep going 156 00:08:18.519 --> 00:08:22.079 and going going, and and great companies who have stock values, 157 00:08:22.160 --> 00:08:25.360 the stock's going to go to the Well, what's going 158 00:08:25.399 --> 00:08:27.160 to have to tell you to stay? 159 00:08:27.240 --> 00:08:29.279 It's going to be great for the big companies. And 160 00:08:29.319 --> 00:08:31.160 I'll tell you why. Their stock price is going to 161 00:08:31.240 --> 00:08:33.799 go down. They're going to start buybacks. Then the price 162 00:08:33.919 --> 00:08:35.759 is going to go back up to where it was 163 00:08:36.080 --> 00:08:37.120 a few days ago, and. 164 00:08:37.240 --> 00:08:39.320 You're going to own a lot more of their own company. 165 00:08:40.759 --> 00:08:43.279 Right, Ryan, what's going on with you? 166 00:08:43.399 --> 00:08:43.639 Ryan? 167 00:08:43.720 --> 00:08:44.519 Welcome to the show. 168 00:08:44.519 --> 00:08:47.799 I'm Tom Martino, Hey, thanks for taking my call just 169 00:08:47.879 --> 00:08:48.360 real quick. 170 00:08:48.600 --> 00:08:49.159 I love the show. 171 00:08:49.200 --> 00:08:51.879 I listened to you pretty much daily. But uh, I'm 172 00:08:52.039 --> 00:08:56.840 thank you. She got she got scammed, and uh. 173 00:08:57.200 --> 00:08:59.159 How did she? How did she get scammed? 174 00:09:00.440 --> 00:09:05.639 So the PCH Publishing and Clearing House, She said that 175 00:09:05.679 --> 00:09:08.919 she was at some point anyway she got so. 176 00:09:08.840 --> 00:09:10.000 She thought this was legit. 177 00:09:10.600 --> 00:09:13.519 She gets a direct phone call from this guy gave 178 00:09:13.519 --> 00:09:16.000 her her his name and everything from a four to 179 00:09:16.000 --> 00:09:19.200 seven zero number. Anyway, long story short, he got her 180 00:09:19.279 --> 00:09:22.840 saying that she's won millions of dollars at twenty twenty 181 00:09:22.879 --> 00:09:28.039 five Chevy four by four blah blah blah. But in 182 00:09:28.120 --> 00:09:30.240 order to release the prize money, you know how the 183 00:09:30.279 --> 00:09:33.840 scam goes, you're gonna have to give us so much money. 184 00:09:34.279 --> 00:09:36.679 They first first wanted her to give her two thousand. 185 00:09:37.200 --> 00:09:37.799 She didn't have that. 186 00:09:38.080 --> 00:09:40.639 Now, why did they want the money? What was the money? 187 00:09:40.799 --> 00:09:45.120 What excuse did they give for the money? 188 00:09:45.279 --> 00:09:50.240 From what she told me, it was like delivery fee 189 00:09:50.279 --> 00:09:54.039 on the truck and to release the prizes basically with 190 00:09:54.080 --> 00:09:55.799 a release all right, you hold on. 191 00:09:56.320 --> 00:09:58.519 I want to hear what happened. I want to hear 192 00:09:58.519 --> 00:10:01.080 if there's anything we can do you know so many 193 00:10:01.120 --> 00:10:04.720 people right now are being scammed. They say this error 194 00:10:05.000 --> 00:10:08.200 has more scamm billions and billions of dollars a year 195 00:10:08.600 --> 00:10:12.960 go to scammers. It's amazing to me. I'm Tom Martinez. 196 00:10:13.000 --> 00:10:14.759 We're going to talk about that and more coming up, 197 00:10:14.759 --> 00:10:18.399 including Waterpros dot net. When you talk water, you have 198 00:10:18.480 --> 00:10:22.080 to think water Pros the best systems at the best 199 00:10:22.159 --> 00:10:25.879 prices ever under four grand. The whole house is covered 200 00:10:25.879 --> 00:10:31.639 for chemicals and harmful plastics and chlorine and drinking water 201 00:10:31.840 --> 00:10:35.360 reverse osmosis. You don't get better than this system. Three 202 00:10:35.440 --> 00:10:45.360 oh three eight six, two five, five five four. Go 203 00:10:45.440 --> 00:10:49.159 with a sure thing Denver's best roofer Excel Roofing dot com. 204 00:10:49.200 --> 00:10:54.919 You don't pay a cent until you're content. Time for 205 00:10:54.960 --> 00:10:58.159 an insurance check up free, no obligation. In comparison, call 206 00:10:58.240 --> 00:11:01.559 Compass Insurance Paying to my your coverage at dozens of 207 00:11:01.600 --> 00:11:04.320 insurance companies find out now three all three seven to 208 00:11:04.320 --> 00:11:07.120 seven to one. Help. You'll think you're his only customer 209 00:11:07.159 --> 00:11:09.399 when you choose Frank durand the real estate Man dot 210 00:11:09.440 --> 00:11:12.759 com to list your home with Remax Alliance three all 211 00:11:12.799 --> 00:11:20.720 three nine two zero sixteen twenty two. Hey Tom Martino 212 00:11:20.799 --> 00:11:23.960 here three o three seven one three talk seven one 213 00:11:24.000 --> 00:11:29.000 three eight two five five. Ryan says his friend was 214 00:11:29.080 --> 00:11:32.320 talked into paying some money for a prize from the 215 00:11:32.320 --> 00:11:35.159 publisher's clearinghouse. By the way, this is one of the 216 00:11:35.200 --> 00:11:39.600 more common scams, and it's called pay to win, and 217 00:11:39.639 --> 00:11:42.639 they tell you you already won, but you have to pay. 218 00:11:42.879 --> 00:11:45.360 Now it's either sales tax you have to pay, or 219 00:11:45.399 --> 00:11:50.639 processing fees or income tax. They give you some BS story, 220 00:11:50.960 --> 00:11:53.519 but you're thinking, what's wrong with a few grand when 221 00:11:53.519 --> 00:11:56.960 I'm going to make hundreds of thousands? So Ryan, in 222 00:11:57.000 --> 00:12:00.200 this case specifically, how much did they say she one? 223 00:12:03.960 --> 00:12:04.360 Total? 224 00:12:05.639 --> 00:12:08.159 They said that she want a pickup truck and about 225 00:12:08.200 --> 00:12:11.200 eighteen million, and that she would get. 226 00:12:11.200 --> 00:12:20.320 Oh wow, ten dollars eighteen million? Okay? Now, now how 227 00:12:20.399 --> 00:12:22.559 much did she pay? 228 00:12:22.679 --> 00:12:23.039 Okay? 229 00:12:23.120 --> 00:12:23.799 So total? 230 00:12:24.200 --> 00:12:27.159 Was she only got due for seven hundred and fifty dollars? 231 00:12:28.159 --> 00:12:28.759 Thank god? 232 00:12:28.879 --> 00:12:31.679 Now when did you get aware of this? And did 233 00:12:31.720 --> 00:12:33.120 you tell her not to do it? Or what? 234 00:12:34.440 --> 00:12:38.519 I was made aware of it after the fact and 235 00:12:38.600 --> 00:12:39.279 she was okay? 236 00:12:39.480 --> 00:12:43.000 And why was her loss only seven hundred? Talked about 237 00:12:43.080 --> 00:12:45.240 how she went into the deal and the seven hundred 238 00:12:45.320 --> 00:12:47.279 and why it was only seven hundred go ahead. 239 00:12:48.279 --> 00:12:52.200 Okay, So this guy calls says, I am from publishing clearinghouse. 240 00:12:52.200 --> 00:12:54.759 You want all these prizes. In order to get the prizes, 241 00:12:55.120 --> 00:12:57.600 you have to pay us. You know, I think they 242 00:12:57.639 --> 00:12:59.480 told her at first two grand, and she's like, no, 243 00:12:59.600 --> 00:13:00.639 I can't, but this is. 244 00:13:00.600 --> 00:13:02.200 An old old one. 245 00:13:02.279 --> 00:13:03.159 I mean, I'm shocked. 246 00:13:03.200 --> 00:13:06.519 Anyhow, I know for this, I know, I know, keep 247 00:13:06.559 --> 00:13:07.720 going when I keep going. 248 00:13:07.840 --> 00:13:09.799 When I heard it, I was like, wow, Sue that 249 00:13:10.039 --> 00:13:10.440 you can't. 250 00:13:10.799 --> 00:13:13.639 Yeah, but keep going with her story. So so she 251 00:13:13.720 --> 00:13:14.759 said I can't pay. 252 00:13:14.600 --> 00:13:19.120 Two grand, right, and so she ended up paying seven 253 00:13:19.120 --> 00:13:21.039 to fifty. Well, and the way that they did that 254 00:13:21.279 --> 00:13:25.279 was they texted her a PayPal screen and had her 255 00:13:25.320 --> 00:13:28.639 go and put five hundred dollars on the PayPal screen 256 00:13:28.679 --> 00:13:31.200 that they texted from a different number. By the way, 257 00:13:31.240 --> 00:13:32.559 this came from a different number. 258 00:13:33.000 --> 00:13:33.960 So she put the five. 259 00:13:33.840 --> 00:13:37.360 Hundred dollars because that's all PayPal would allow in a day, 260 00:13:37.679 --> 00:13:39.759 is five hundred. Then they said, well, in order to 261 00:13:39.759 --> 00:13:41.840 get the other two fifty, you need to go buy 262 00:13:41.879 --> 00:13:44.840 one of these money packs, which is like a debit 263 00:13:44.879 --> 00:13:46.879 card thing. And right on the bag, I said, beware 264 00:13:46.919 --> 00:13:47.960 of scammers. 265 00:13:47.480 --> 00:13:48.279 With bigod bread. 266 00:13:48.840 --> 00:13:51.200 Anyway, she paid the extra two hundred and fifty on 267 00:13:51.240 --> 00:13:53.759 that scratched off the back. It gave the guy the 268 00:13:53.840 --> 00:13:56.720 number and boom ran off and then number with the 269 00:13:56.759 --> 00:14:00.600 money's gone. Then yesterday, just yesterday. This happened on March 270 00:14:00.639 --> 00:14:03.600 twenty seven. Yesterday, when she's telling me this story, he 271 00:14:03.679 --> 00:14:07.440 calls and I said, don't answer it, just because I 272 00:14:07.480 --> 00:14:08.480 was going to rip into him. 273 00:14:08.759 --> 00:14:10.120 But I was like, man, hey, does she have a 274 00:14:10.200 --> 00:14:11.799 number where we can call this guy? 275 00:14:12.879 --> 00:14:17.080 Yeah, I have a number. I have a couple numbers. 276 00:14:19.120 --> 00:14:19.919 You want me to tell you? 277 00:14:19.960 --> 00:14:22.399 I want you to give them to him. I want 278 00:14:22.440 --> 00:14:23.840 you to give me off the air. I want you 279 00:14:23.840 --> 00:14:29.200 to give him. 280 00:14:27.080 --> 00:14:30.440 Or they're all I mean, there are people sitting in Jamaica. 281 00:14:31.399 --> 00:14:34.440 Right, And so what did did she ever talk to 282 00:14:34.480 --> 00:14:35.279 this guy again? 283 00:14:38.879 --> 00:14:41.360 I think she's been ignoring him, but he's been calling 284 00:14:41.399 --> 00:14:45.440 her back. And he called her back yesterday when she 285 00:14:45.519 --> 00:14:47.360 was telling me this whole story, and I said, don't answer. 286 00:14:47.440 --> 00:14:50.799 What does he want now? So he does he know 287 00:14:51.519 --> 00:14:52.879 that she's hip to the SCAN? 288 00:14:54.720 --> 00:14:57.320 I think he does now, because actually he did call 289 00:14:57.399 --> 00:14:59.159 back and I answered it for her, and I said, hey, 290 00:14:59.159 --> 00:15:01.240 this is the FBI Fraud Department. 291 00:15:01.240 --> 00:15:05.120 How may I help you, and what did he do? 292 00:15:05.320 --> 00:15:06.320 Now? I scared him off? 293 00:15:06.360 --> 00:15:10.559 But oh yeah, now he probably You know what though, 294 00:15:10.559 --> 00:15:12.039 I want to get that number off the air. 295 00:15:14.320 --> 00:15:16.120 Where do you think he's calling from? Did he have 296 00:15:16.159 --> 00:15:16.679 an accent? 297 00:15:18.679 --> 00:15:20.120 He didn't really have enough. 298 00:15:20.240 --> 00:15:22.200 He didn't have an accent. But the two numbers that 299 00:15:22.279 --> 00:15:25.039 I got, the number that he called from is a 300 00:15:25.039 --> 00:15:27.919 four to seven zero number area code, and then the. 301 00:15:28.080 --> 00:15:32.879 Those numbers mean nothing. They mean nothing, right, and then 302 00:15:32.919 --> 00:15:35.879 the other numbers. But I have two numbers. So what 303 00:15:35.879 --> 00:15:37.720 were you calling about? Were you? Were you? 304 00:15:37.840 --> 00:15:40.279 Does she realize she just lost that money for good? 305 00:15:41.080 --> 00:15:42.639 Well, that's what I told her. 306 00:15:42.679 --> 00:15:44.440 But I told her I would call you guys, just 307 00:15:44.480 --> 00:15:46.200 to see if there's anything that she can do. 308 00:15:46.360 --> 00:15:48.960 I said, you know, not in this case. That that 309 00:15:49.000 --> 00:15:54.279 debit card is prepaid, it's gone. And and the other 310 00:15:54.360 --> 00:15:58.639 one the PayPal, Hey she paid. Now she might want 311 00:15:58.639 --> 00:16:01.799 to try PayPal. I mean, I don't know. I see, 312 00:16:01.919 --> 00:16:04.720 I have very little knowledge of PayPal. Mark do you 313 00:16:04.720 --> 00:16:07.960 know about PayPal? Do you think they'll give her money back? Hell? No? 314 00:16:09.399 --> 00:16:11.799 Now, I mean I had the barcode. She took a 315 00:16:11.960 --> 00:16:14.759 screenshot of the barcode that she sent it to and. 316 00:16:15.440 --> 00:16:17.120 Wait But let me just say something, Tom. 317 00:16:17.279 --> 00:16:20.559 They won't give it back because she wasn't he the 318 00:16:21.080 --> 00:16:23.720 caller did not take the money from her. 319 00:16:23.960 --> 00:16:25.879 She voluntarily gave. 320 00:16:25.799 --> 00:16:27.720 Him the money, gave him the money. 321 00:16:27.799 --> 00:16:29.960 Well, how do you know they won't How do you 322 00:16:30.000 --> 00:16:33.960 know they because we've never seen it happen in fifteen Yeah, 323 00:16:34.399 --> 00:16:36.919 you know I've had that would be So what you're 324 00:16:36.960 --> 00:16:40.159 saying is PayPal. And I know you're not saying this time, 325 00:16:40.200 --> 00:16:43.679 but if they gave the money back, PayPal got screwed. 326 00:16:44.960 --> 00:16:49.240 Yeah, you're right, you're right. I thought PayPal had some protection. 327 00:16:50.039 --> 00:16:53.279 Anybody really familiar with PayPal let us know. Wasn't PayPal 328 00:16:53.399 --> 00:16:58.039 started by Elon Musk. Yes, yes, my wife had telling 329 00:16:58.120 --> 00:16:58.559 us one of this. 330 00:16:58.799 --> 00:17:02.960 If she would have had paid from her own PayPal account, 331 00:17:03.399 --> 00:17:05.440 then she would have had a chance to recoup some 332 00:17:05.480 --> 00:17:09.400 of that money. But because they sent her a barcode 333 00:17:09.640 --> 00:17:14.759 to their PayPal debit card and she paid voluntarily with 334 00:17:14.880 --> 00:17:19.160 a debit card, then there's no way that PayPal will 335 00:17:19.200 --> 00:17:19.960 do anything about it. 336 00:17:20.000 --> 00:17:22.519 Well, I'm glad you called those because it's going to 337 00:17:22.559 --> 00:17:24.400 help other people. Three oh three seven one three eight, 338 00:17:24.599 --> 00:17:26.359 five to five. Jay, you have an investment question. 339 00:17:26.440 --> 00:17:33.960 Go ahead, Jay, So the first of all PayPal. 340 00:17:34.039 --> 00:17:36.200 Yeah, they're great if you do everything right. 341 00:17:36.480 --> 00:17:39.880 That's my question. I'll boil it down to the question 342 00:17:40.000 --> 00:17:42.480 first and explain it. Is there any reason to bother 343 00:17:42.599 --> 00:17:45.680 with this? Here's a situation that me and almost every 344 00:17:45.920 --> 00:17:49.839 workaday friend I have is yet at some point we 345 00:17:49.880 --> 00:17:52.119 all have five or ten grand, we're never going to 346 00:17:52.119 --> 00:17:55.119 touch because we you know, it's a small, tiny, right, 347 00:17:56.119 --> 00:17:58.480 but we're never gonna mess with It's always. 348 00:17:58.200 --> 00:17:58.680 Gonna be there. 349 00:17:58.799 --> 00:18:00.559 Is there anything to bother doing with that? 350 00:18:00.799 --> 00:18:01.920 Or is it there? 351 00:18:02.200 --> 00:18:08.400 Yes? Yes, there is, there is. And again I'll tell 352 00:18:08.400 --> 00:18:10.799 you exactly what it is. Coming right back. I'm Tom Martino. 353 00:18:11.200 --> 00:18:13.400 Stick around for more on the Troubleshooter Show. What do 354 00:18:13.440 --> 00:18:15.440 you do with ten or twenty grand? We'll let you know. 355 00:18:21.759 --> 00:18:25.039 Go with a sure thing Denver's best roofer Excel roofing 356 00:18:25.160 --> 00:18:27.799 dot com. You don't pay a cent until you're content. 357 00:18:31.160 --> 00:18:34.359 Time for an insurance check up free, no obligation. In comparison, 358 00:18:34.480 --> 00:18:38.039 call Compass insurance paying too much your coverage at dozens 359 00:18:38.039 --> 00:18:40.759 of insurance companies. Find out now three all three seven 360 00:18:40.799 --> 00:18:43.160 to seven to one help. You'll think you're his only 361 00:18:43.240 --> 00:18:45.680 customer when you choose Frank durand the real estate Man 362 00:18:45.759 --> 00:18:49.200 dot com to list your home with Remax Alliance three 363 00:18:49.200 --> 00:18:55.119 all three nine two zero sixteen twenty two. Hi Tom Martino, 364 00:18:55.160 --> 00:18:57.359 you're troubleshooter three oh three seven to one three. Talk 365 00:18:57.440 --> 00:19:00.200 Denver Regen dot com for pain relief as as well 366 00:19:00.240 --> 00:19:03.319 as weight loss and at a reduced price. You know, 367 00:19:03.839 --> 00:19:07.400 the stem cell therapy is unbelievable Denver Regen dot com. 368 00:19:07.680 --> 00:19:12.160 I can attest to it now, Jass, what does a 369 00:19:12.160 --> 00:19:14.400 workaday guy do with twenty or thirty or at fifteen 370 00:19:14.519 --> 00:19:16.720 or twenty or ten or fifteen. Well, I'm going to 371 00:19:16.759 --> 00:19:20.960 tell you first and foremost, I don't recommend anything unless 372 00:19:21.000 --> 00:19:24.119 you have an emergency fund. In addition to that, if 373 00:19:24.119 --> 00:19:28.079 you have an emergency fund, then that's pretty good. Then 374 00:19:28.119 --> 00:19:31.279 you keep that emergency fund. And if you have high 375 00:19:31.279 --> 00:19:34.720 interest debt, I would recommend paying down the high interest set. 376 00:19:34.920 --> 00:19:36.440 So let's say you don't have a lot of high 377 00:19:36.480 --> 00:19:39.599 interest debt, because if you do have high interest debt 378 00:19:39.720 --> 00:19:42.400 and you put it into a modest cash investment, the 379 00:19:43.079 --> 00:19:45.720 cash you have, you're losing money every month. If you 380 00:19:45.720 --> 00:19:48.640 pay off the high interest debt, you'll be making money quicker. 381 00:19:48.720 --> 00:19:51.480 So okay. So that being said, get rid of high 382 00:19:51.480 --> 00:19:54.759 interest debt, pay it down, or have an emergency fund. 383 00:19:54.799 --> 00:19:56.839 What do you do with another fifteen or twenty pat, 384 00:19:56.880 --> 00:20:01.960 I'm going to ask you, and basically I'm going to 385 00:20:02.039 --> 00:20:06.480 chime in first. I believe one of the best investments 386 00:20:06.559 --> 00:20:11.440 I do with idle cash is I went to Treasurydirect, 387 00:20:12.200 --> 00:20:15.359 dot com or dot gob. I forget just but a 388 00:20:15.480 --> 00:20:19.599 Treasury Direct and I open up an account. Now, you 389 00:20:19.640 --> 00:20:21.920 don't have to put any money in the account, but 390 00:20:22.039 --> 00:20:25.799 what you can do is hcch money over to that. 391 00:20:26.200 --> 00:20:29.759 Whenever you have idle cash. So, Jay, if you would 392 00:20:29.759 --> 00:20:33.440 put fifteen or twenty grand, or ten or fifteen whatever, 393 00:20:33.720 --> 00:20:37.480 even ten, you put it into Treasury Direct and go 394 00:20:37.599 --> 00:20:41.039 for an auction of T bills. Now T bills can 395 00:20:41.079 --> 00:20:45.359 be one week, two weeks, three weeks, four weeks, so 396 00:20:45.440 --> 00:20:49.559 I do four week increments. Every four weeks, I participate 397 00:20:49.960 --> 00:20:54.960 in the T bill purchase, and I have never failed 398 00:20:55.000 --> 00:20:57.319 to make four percent or more. Every now and then 399 00:20:57.319 --> 00:21:00.599 you make less than four but sometimes you make six percent. 400 00:21:00.720 --> 00:21:03.480 It depends on that week. When people are feeling weak 401 00:21:03.519 --> 00:21:06.240 about the economy, they go over to T bills, and 402 00:21:06.279 --> 00:21:08.480 when they feel strong about the economy. The T bills 403 00:21:08.480 --> 00:21:11.960 do a little less, but it's very safe, I believe. 404 00:21:12.000 --> 00:21:13.799 Now I'm going to turn over to Pat. What do 405 00:21:13.839 --> 00:21:16.359 you say, Pat, what would you do with that amount 406 00:21:16.359 --> 00:21:17.640 of money if someone came to us? 407 00:21:17.680 --> 00:21:20.839 Well, I agree, I think that's a that's a great strategy, 408 00:21:20.839 --> 00:21:23.000 particularly if you want to have it be backed by 409 00:21:23.039 --> 00:21:24.079 the US govern bills. 410 00:21:24.200 --> 00:21:25.200 Yeah, yeah, for sure. 411 00:21:25.240 --> 00:21:31.160 But we use example for his example, a senior Invesco 412 00:21:32.000 --> 00:21:38.000 senior loan portfolio. It's an ETF that owns institutionally leveraged loans. 413 00:21:38.559 --> 00:21:43.400 And uh, it's shielding. Oh, it's shielding right at seven 414 00:21:43.480 --> 00:21:46.839 percent right now, right now? Yeah, and it's fully liquid. 415 00:21:46.920 --> 00:21:47.680 It's not insured. 416 00:21:47.680 --> 00:21:51.440 Obviously, imagine that. Imagine this no fund seven percent right 417 00:21:51.480 --> 00:21:52.839 now when everyone doesn't. 418 00:21:52.559 --> 00:21:54.799 Know what seven point zero eight percent is the thirty 419 00:21:54.880 --> 00:21:57.000 day yield on it and the price is pretty stable 420 00:21:57.079 --> 00:21:57.720 the last So. 421 00:21:57.680 --> 00:21:59.400 What are the smallest increments you can do. 422 00:22:00.039 --> 00:22:01.920 As small as you like. There's no minimum. 423 00:22:01.960 --> 00:22:02.680 Are you kidding me? 424 00:22:02.720 --> 00:22:05.359 No, You're just buying an ETF and the ETF owns Jay. 425 00:22:06.640 --> 00:22:08.799 Keep in mind, it's called an ETF, which stands for 426 00:22:08.839 --> 00:22:12.079 exchange traded fund. Correct, And what fund is it? 427 00:22:12.119 --> 00:22:16.640 Specifically BKL and Bravo Keilo Lima November. 428 00:22:17.000 --> 00:22:24.680 Yeah you get that, Jane doesn't take much yeap bk 429 00:22:24.920 --> 00:22:30.640 l N and that's yeah, So it's Bravo Lima. 430 00:22:31.079 --> 00:22:38.039 Bravo Keilo Lima November Invesco Senior Loan ETF. 431 00:22:38.519 --> 00:22:41.079 So you make that much money in a market like this, 432 00:22:42.000 --> 00:22:45.839 you'd be crazy to let it sit idle or t 433 00:22:46.079 --> 00:22:48.400 bills again. But Jay, here's what I want to say. 434 00:22:49.440 --> 00:22:51.519 If you ever want, and I'm not trying to hit you, 435 00:22:51.839 --> 00:22:54.920 wave A Wealth Management will take any client ten grand, 436 00:22:54.960 --> 00:22:57.799 twenty grand, and we have very reduced rates for guys 437 00:22:57.839 --> 00:23:00.319 like you, and we will will help you along the 438 00:23:00.359 --> 00:23:03.400 way because our theory is we help someone who's a 439 00:23:03.440 --> 00:23:07.200 small investor, they become a big investor eventually with our help. 440 00:23:07.680 --> 00:23:15.480 So if I say, I got myself my daughter, so 441 00:23:15.759 --> 00:23:19.039 I have here something stupid, and you can laugh at 442 00:23:19.079 --> 00:23:21.000 me if you want, I have a bunch of silver 443 00:23:21.079 --> 00:23:24.200 coins laying around. You know what they're worth, Yeah, almost 444 00:23:24.359 --> 00:23:28.000 exactly what I paid for him fifteen years ago. They 445 00:23:28.200 --> 00:23:29.200 just starts me nuts. 446 00:23:29.359 --> 00:23:32.039 Yeah, but sometimes they go pretty far up in value. 447 00:23:32.119 --> 00:23:34.200 I would have a nice They go up and down 448 00:23:34.240 --> 00:23:38.200 so bad, it's ridiculous, but they're so slow. I'd like 449 00:23:38.240 --> 00:23:39.920 to get rid of at least half of that. I 450 00:23:39.920 --> 00:23:41.839 have all kinds of things I've bought that are worth 451 00:23:42.559 --> 00:23:43.359 quite a bit of money. 452 00:23:43.359 --> 00:23:45.240 You should and they're literally. 453 00:23:45.079 --> 00:23:46.599 Playing around in my closets. 454 00:23:47.079 --> 00:23:48.799 I'd like to make Do you have, by the way, 455 00:23:48.799 --> 00:23:51.880 do you have a four oh one k or an irah? 456 00:23:52.000 --> 00:23:54.759 My wife does. She has a she's set up with 457 00:23:55.559 --> 00:23:59.200 our buddy to do. He's always on here, Joe Kiano 458 00:24:00.079 --> 00:24:02.480 set up real well. Okay, so I think we're good there. 459 00:24:02.599 --> 00:24:05.559 But good stuff, you know. I just have stuff I 460 00:24:05.559 --> 00:24:07.319 bought because I got it cheap, and it's worth a 461 00:24:07.359 --> 00:24:09.279 lot more. And now if I sell it, I'm gonna 462 00:24:09.319 --> 00:24:11.279 a pile of cash. 463 00:24:11.400 --> 00:24:13.839 Listen, here, here's what I'm saying, Jay, what you ought 464 00:24:13.839 --> 00:24:17.160 to do. When you say a polycash, Remember those two 465 00:24:17.160 --> 00:24:20.480 things we gave you are are very low risk and 466 00:24:20.720 --> 00:24:24.720 very very good returns. Okay, Now, there are many other options, 467 00:24:25.039 --> 00:24:29.240 but I want to make this clear. We work with everyone. 468 00:24:29.480 --> 00:24:32.200 It doesn't mean there's no such thing as the client's 469 00:24:32.200 --> 00:24:35.480 too small. That's what makes us different. And and because 470 00:24:35.519 --> 00:24:37.160 you called in, I just wanted to tell you about it. 471 00:24:37.200 --> 00:24:41.759 So here's the deal. There are times they. 472 00:24:41.640 --> 00:24:44.519 Are so small we'll tell someone what to do and 473 00:24:44.559 --> 00:24:46.680 not even take them on as a client. Just say here, 474 00:24:46.960 --> 00:24:49.319 why don't you try this or this and we can 475 00:24:49.359 --> 00:24:51.319 do that with you. Or you can just give us 476 00:24:51.319 --> 00:24:53.359 a call at three oh three seven seven one helped 477 00:24:54.160 --> 00:24:56.839 seven seven one four three five seven and we'd be 478 00:24:56.880 --> 00:25:00.920 happy to help you. So another thing we can as 479 00:25:01.039 --> 00:25:06.160 outside business, we can hook you up with investments using 480 00:25:06.200 --> 00:25:09.640 your retirement money. Not many people know how to do that. 481 00:25:10.720 --> 00:25:12.640 So if you have investments you want to do and 482 00:25:12.680 --> 00:25:14.599 you want to use retirement money because that's the only 483 00:25:14.640 --> 00:25:17.160 lump sum you have, I'm one of the only people 484 00:25:17.200 --> 00:25:19.960 that can set you up to do that if you 485 00:25:20.000 --> 00:25:26.160 want to use retirement money. Talk Okay, now, let's keep going. Chris, Chris, 486 00:25:26.200 --> 00:25:30.000 what is going on with this insurance company? Explain this 487 00:25:30.039 --> 00:25:33.640 to us? Chris, good morning? 488 00:25:34.319 --> 00:25:35.319 Is this Mark or Tom? 489 00:25:35.440 --> 00:25:35.640 Hey? 490 00:25:36.920 --> 00:25:39.400 It's Tom and Mark. Mark's there too. Go ahead. 491 00:25:40.079 --> 00:25:43.400 Well, hey, good morning, both guys. I'm a new listener. 492 00:25:44.000 --> 00:25:47.200 I was referred by the neighbor Robin, and. 493 00:25:48.799 --> 00:25:51.319 So my fiance. 494 00:25:51.200 --> 00:25:56.119 Amelia and I were at home watching TV. This has 495 00:25:56.160 --> 00:26:01.400 actually been almost four months now, and we heard yeah, yeah, 496 00:26:01.839 --> 00:26:05.920 we heard a banging on the door, and so we 497 00:26:05.960 --> 00:26:08.119 don't get many guests. So I went and checked the 498 00:26:08.200 --> 00:26:13.079 door and our neighbor, Dexter little boy was in tears, 499 00:26:13.839 --> 00:26:19.559 frantic telling telling us to come outside and there was 500 00:26:18.880 --> 00:26:23.400 a huge accident and who was really upset, and so 501 00:26:24.720 --> 00:26:29.680 we followed them downstairs and there was a huge commotion. 502 00:26:30.599 --> 00:26:35.200 We live in Greeley on eighth Avenue, so it's a 503 00:26:35.279 --> 00:26:40.240 commercial building. We're on the second floor. So at any rate, 504 00:26:40.400 --> 00:26:44.759 uh when uh our cars, both of our cars were 505 00:26:44.799 --> 00:26:49.240 parked alongside the building and eighth Avenue, and there were 506 00:26:49.319 --> 00:26:53.160 two trucks that had uh they had hit each other 507 00:26:53.400 --> 00:26:58.039 and they wiped out and ended up hitting Robin's car 508 00:26:58.319 --> 00:27:03.559 and then both of ours, and so it was a 509 00:27:03.640 --> 00:27:07.359 it was a bad accident. One of our vehicles was 510 00:27:07.400 --> 00:27:13.559 completely totaled. Robbins was completely totaled. Our new vehicle, we 511 00:27:13.640 --> 00:27:16.839 had just got a new VW at Lias and in 512 00:27:16.839 --> 00:27:20.960 love with that thing, and we got like a special edition, 513 00:27:21.119 --> 00:27:23.440 so it was a rare model and so it was 514 00:27:23.519 --> 00:27:26.839 just and then the other her car, Amelia's car was 515 00:27:26.920 --> 00:27:30.880 sentimental from her grandfather and it wasn't worth a whole 516 00:27:30.920 --> 00:27:33.599 bunch of value. It is the bottom line. But it 517 00:27:33.640 --> 00:27:36.640 was one of them older bubble Mercuries and it was 518 00:27:36.680 --> 00:27:39.519 to really it was an ultimate edition with a v 519 00:27:39.680 --> 00:27:42.279 a nice VAH soup up model. 520 00:27:42.359 --> 00:27:44.960 And yeah, but how much? But hold on a second, 521 00:27:45.000 --> 00:27:48.079 hold on, Chris, are you going to complain about what 522 00:27:48.119 --> 00:27:50.240 the insurance offered you? Or was it the other guy's 523 00:27:50.279 --> 00:27:51.599 insurance or your insurance? 524 00:27:52.599 --> 00:27:56.599 So it turns out that I mean to avoid the deductible. 525 00:27:56.680 --> 00:27:59.680 There was one one of the truck drivers was a 526 00:27:59.799 --> 00:28:04.519 fall and and it was that was obvious, so there 527 00:28:04.559 --> 00:28:07.200 wasn't any issues. But what happened is they had a 528 00:28:07.240 --> 00:28:09.960 really really low plan. 529 00:28:10.160 --> 00:28:10.480 Chris. 530 00:28:10.599 --> 00:28:12.599 Here's what I need to know, Chris, I need to 531 00:28:12.640 --> 00:28:16.759 know this. This truck ran into your vehicles. Is his 532 00:28:16.880 --> 00:28:18.839 insurance covering your vehicles? 533 00:28:19.920 --> 00:28:23.039 Well, they're supposed to. They spent almost four months and 534 00:28:23.119 --> 00:28:25.359 we're still waiting and apparently it's. 535 00:28:25.400 --> 00:28:28.319 Wait a minute, So has have they ever? Have they 536 00:28:28.400 --> 00:28:32.839 ever made you an offer or said anything about your vehicles? 537 00:28:33.960 --> 00:28:38.440 They just know they've been they've been not they haven't responded. 538 00:28:39.319 --> 00:28:44.440 It took them, well, they haven't responded to me once fiance. 539 00:28:44.680 --> 00:28:50.039 They it took them over two months to respond. We 540 00:28:50.039 --> 00:28:53.799 we have we sent like four documents that were well written. 541 00:28:54.000 --> 00:28:54.480 We used. 542 00:28:55.119 --> 00:28:58.759 Okay, who are they? Who is this this other driver? 543 00:28:59.160 --> 00:29:02.240 Who was this Insuranaran's company? Uh? 544 00:29:02.279 --> 00:29:04.400 The one in fault is Mendota. 545 00:29:06.160 --> 00:29:10.400 And Mendoza was what and do you know did he 546 00:29:10.519 --> 00:29:13.000 have it up to date? Was his insurance policy up 547 00:29:13.000 --> 00:29:13.359 to date? 548 00:29:15.039 --> 00:29:15.240 Yeah? 549 00:29:15.319 --> 00:29:16.759 There was? 550 00:29:18.599 --> 00:29:20.440 And did you do you have the name and a 551 00:29:20.559 --> 00:29:23.559 number of any adjusters you talked to at Mendoza? 552 00:29:26.559 --> 00:29:30.440 Yeah? Honey, what was the names again of the adjusters? 553 00:29:31.359 --> 00:29:33.720 I'll tell you what what I want to do is 554 00:29:33.759 --> 00:29:37.440 get Deputy Doc to call over there. Deputy Doc during 555 00:29:37.440 --> 00:29:39.279 the show, even why don't you call over and ask 556 00:29:39.359 --> 00:29:42.759 why aren't they at least, you know, moving forward to 557 00:29:42.799 --> 00:29:45.279 help these people? Are they did? Did they pay for 558 00:29:45.319 --> 00:29:46.880 any rental cars? 559 00:29:47.279 --> 00:29:51.759 No? That's the thing we're we were messed up financially. 560 00:29:51.799 --> 00:29:54.400 We weren't ready for all the upfront seat. 561 00:29:54.240 --> 00:29:56.599 When did this happen? When did this happen? 562 00:29:56.640 --> 00:29:56.799 Bro? 563 00:29:56.880 --> 00:29:57.720 When did it happen? 564 00:29:58.400 --> 00:29:58.640 It was? 565 00:29:58.680 --> 00:30:02.880 What was the exact date? This is Jack humph It 566 00:30:02.880 --> 00:30:05.559 was January fifteenth? 567 00:30:05.799 --> 00:30:08.960 January. Okay, hang on, I'm gonna have Deputy Doc talk 568 00:30:08.960 --> 00:30:11.559 to you off the air. I'm Tom Martine. We have 569 00:30:11.640 --> 00:30:13.799 more coming up on the Troubleshooter Show, So listen to 570 00:30:13.799 --> 00:30:17.480 this fix at twenty four to seven. Yes, thirty nine dollars. 571 00:30:17.720 --> 00:30:20.480 It's for new customers, meaning you never had it done. 572 00:30:20.640 --> 00:30:22.599 It doesn't have to be a brand new customer. But 573 00:30:22.880 --> 00:30:25.519 if the people who have not had the thirty nine 574 00:30:25.559 --> 00:30:28.880 dollars Extreme Clean three oh three five two six thirty 575 00:30:28.920 --> 00:30:37.599 nine thirty nine, go with a sure thing Denver's Best 576 00:30:37.640 --> 00:30:40.519 roofer Excel Roofing dot com. You don't pay a cent 577 00:30:40.720 --> 00:30:46.799 until you're content. Time for an insurance check up free, 578 00:30:46.880 --> 00:30:50.599 no obligation. In comparison, call Compass Insurance paying too much 579 00:30:50.720 --> 00:30:53.680 your coverage at dozens of insurance companies find out now 580 00:30:53.759 --> 00:30:56.039 three oh three seven to seven to one help. You'll 581 00:30:56.039 --> 00:30:58.799 think you're his only customer when you choose Frank durand 582 00:30:58.799 --> 00:31:01.279 the real estate Man dot com to list your home 583 00:31:01.480 --> 00:31:04.640 with Remax Alliance three all three nine two zero sixteen 584 00:31:04.680 --> 00:31:11.480 twenty two. Hi Tom Martine here three three seven one 585 00:31:11.559 --> 00:31:16.240 three talks seven one three A two five five. All right, Danielle, 586 00:31:16.319 --> 00:31:18.799 what's going on with you? Danielle? How can we help you? 587 00:31:20.400 --> 00:31:20.599 Hi? 588 00:31:21.839 --> 00:31:26.039 I'm just trying to seek some type of help. Last 589 00:31:26.119 --> 00:31:29.119 year you guys helped me with the situation, and I 590 00:31:29.200 --> 00:31:32.599 was very pleased with it. From this time coming around, 591 00:31:33.000 --> 00:31:35.119 I'm having a little bit of an issue and accomplice 592 00:31:35.200 --> 00:31:40.839 which my previous job. I worked for a sprinkler company 593 00:31:41.039 --> 00:31:46.960 and I was an office manager. There was been issue 594 00:31:46.960 --> 00:31:50.039 between one and one of the bosses saying that I 595 00:31:50.079 --> 00:31:51.599 have a job in the other boss telling me to 596 00:31:51.599 --> 00:31:54.160 file for unemployment. I've been trying to reach out to 597 00:31:54.240 --> 00:31:55.920 the boss who told me to file for unemployment. 598 00:31:55.960 --> 00:31:57.640 Now, hold on a second, Wait a minute. How long 599 00:31:57.680 --> 00:31:59.400 have you been working? How long have you been working 600 00:31:59.440 --> 00:32:00.640 for the sprink company? 601 00:32:01.880 --> 00:32:04.440 I was there for about seven months. 602 00:32:05.119 --> 00:32:08.160 And then one boss said we're letting you go. 603 00:32:10.839 --> 00:32:15.119 Well, one boss was actually very aggressive and told me 604 00:32:15.160 --> 00:32:18.240 to clock out because he thought that I was doing 605 00:32:18.279 --> 00:32:21.559 something on the clock that I was not doing that 606 00:32:21.640 --> 00:32:23.440 he's seen on his cameras because it was like an 607 00:32:23.440 --> 00:32:24.240 in home office. 608 00:32:27.119 --> 00:32:31.279 Okay, so tell me walk out. So, so were you 609 00:32:31.480 --> 00:32:32.359 fired or not? 610 00:32:33.759 --> 00:32:36.359 That's where I don't know. I I don't. 611 00:32:36.440 --> 00:32:36.960 I don't know. 612 00:32:37.079 --> 00:32:39.079 I feel like it was almost to set up because 613 00:32:39.079 --> 00:32:40.079 I had just told him there. 614 00:32:39.960 --> 00:32:42.599 Oh wait, wait a minute, did you can Here's how 615 00:32:42.640 --> 00:32:44.759 to tell if you're fired or not. Did you continue 616 00:32:44.799 --> 00:32:45.359 working there? 617 00:32:46.400 --> 00:32:47.680 No, I know I'm no longer there. 618 00:32:49.599 --> 00:32:51.279 Okay. And when did that happen? 619 00:32:52.440 --> 00:32:54.319 That was about a month ago March third. 620 00:32:56.279 --> 00:33:00.920 Okay, Now what are you calling about today? 621 00:33:02.279 --> 00:33:04.640 I'm just trying to seek help from you guys. Like 622 00:33:04.680 --> 00:33:06.640 I said, you guys got me last year, and I 623 00:33:06.759 --> 00:33:08.799 don't know where to go with this, and I feel 624 00:33:08.839 --> 00:33:09.519 like it. 625 00:33:09.559 --> 00:33:12.200 Was almost well go to go to I don't understand. 626 00:33:12.559 --> 00:33:15.759 I here's what I don't understand, Dear, I'm serious. Now 627 00:33:16.519 --> 00:33:19.519 go with what? Go You don't know where to go with? What? 628 00:33:19.640 --> 00:33:20.039 With what? 629 00:33:20.759 --> 00:33:24.680 When people are fired? People are fired every day. Are 630 00:33:24.680 --> 00:33:27.480 you saying that it was an illegal firing? 631 00:33:28.720 --> 00:33:29.960 Absolutely? That's how I feel. 632 00:33:30.039 --> 00:33:33.559 Yes, go with a sure thing Denver's best roofer Excel 633 00:33:33.680 --> 00:33:36.759 Roofing dot com. You don't pay a cent until you're content. 634 00:33:40.119 --> 00:33:43.319 Time for an insurance check up free, no obligation. In comparison, 635 00:33:43.440 --> 00:33:47.000 call Compass Insurance paying too much your coverage at dozens 636 00:33:47.000 --> 00:33:49.759 of insurance companies find out now three all three, seven 637 00:33:49.839 --> 00:33:52.680 seven to one help. You'll think you're his only customer 638 00:33:52.680 --> 00:33:54.960 when you choose Frank durand the real estate Man dot 639 00:33:54.960 --> 00:33:58.279 com to list your home with Remax alliance three all 640 00:33:58.319 --> 00:34:00.240 three nine two zero sixteen twenty. 641 00:34:01.359 --> 00:34:10.920 Yeah, ripped up new need advice, so you. 642 00:34:10.960 --> 00:34:11.360 Don't have. 643 00:34:13.559 --> 00:34:14.360 Come running. 644 00:34:14.599 --> 00:34:20.519 Just as fast as we can, Shooter's gonna help come man. 645 00:34:20.760 --> 00:34:37.880 This is the Troubleshooter Show. Now, Tom Martino. 646 00:34:31.639 --> 00:34:34.480 Hey, Tom Martino here, Welcome to the show. Three oh 647 00:34:34.519 --> 00:34:38.119 three seven one three talk seven one three eight two 648 00:34:38.239 --> 00:34:41.119 five five. We're here to help you solve your problems 649 00:34:41.119 --> 00:34:43.920 and answer questions, take complaints, and what do you say? 650 00:34:43.960 --> 00:34:45.760 We go right to the phones your phone calls. 651 00:34:45.800 --> 00:34:48.719 Take precedent at three oh three Martino three oh three 652 00:34:48.760 --> 00:34:51.800 six two seven eight four sixty six or three oh 653 00:34:51.880 --> 00:34:54.480 three seven one three talk seven one three eight two 654 00:34:54.519 --> 00:34:58.280 five five. So Danielle we left off with, and I 655 00:34:58.280 --> 00:35:02.440 looked up the law, and Danielle, if you're pregnant and 656 00:35:02.519 --> 00:35:06.960 an employer fires you, they better damn well have a 657 00:35:07.039 --> 00:35:09.840 real reason. I'm going to talk about some of that. 658 00:35:10.360 --> 00:35:14.719 There's federal and Colorado state laws. Let's say, when you're 659 00:35:14.840 --> 00:35:21.000 terminated and you're pregnant, it constitutes discrimination unless there is 660 00:35:21.039 --> 00:35:25.840 a viable reason. Now it might be difficult to prove. 661 00:35:26.239 --> 00:35:29.480 And then it says if your employer dismissed you without 662 00:35:29.519 --> 00:35:33.960 a valid reason during pregnancy, then you could have some 663 00:35:34.119 --> 00:35:39.880 compensation coming. Employers cannot terminate an employment to avoid associated 664 00:35:39.960 --> 00:35:44.320 costs as well. Such actions can lead to legal consequences 665 00:35:44.800 --> 00:35:51.320 and a cash awards you. Additionally, the Federal Pregnant Workers 666 00:35:51.840 --> 00:35:57.920 Fairness Act. Wow, that's a mouthful. Pregnant Workers Fairness Act 667 00:35:58.960 --> 00:36:03.599 went into effect twenty twenty three. It said, if you 668 00:36:03.719 --> 00:36:07.760 work for a place with fifteen or more employees, they 669 00:36:07.880 --> 00:36:11.159 not only have to keep you on unless they have 670 00:36:11.199 --> 00:36:14.840 a valid reason that they have to make accommodations for you. 671 00:36:16.119 --> 00:36:19.320 Now what you have to do? Are you still there? 672 00:36:19.719 --> 00:36:19.920 Yeah? 673 00:36:20.000 --> 00:36:20.400 I'm here. 674 00:36:21.840 --> 00:36:24.840 What reason did they give you for firing you? 675 00:36:26.440 --> 00:36:28.960 That's the thing, Missus Martinez. They never gave me a 676 00:36:29.000 --> 00:36:32.400 reason one employee, one boss told me to apply for unemployment, 677 00:36:32.400 --> 00:36:34.920 and the other one told me nothing. I've been waiting 678 00:36:34.960 --> 00:36:35.480 for a letter. 679 00:36:35.519 --> 00:36:36.880 I'm trying to reach out to them. 680 00:36:37.239 --> 00:36:42.239 But wait a minute, Danielle. At some point, did you 681 00:36:42.320 --> 00:36:44.480 work from home or did you go into the office. 682 00:36:45.119 --> 00:36:48.159 I went into the office. 683 00:36:48.079 --> 00:36:50.960 So, but at some point you no longer went into 684 00:36:51.000 --> 00:36:53.920 the office. So I need to know that point in 685 00:36:54.039 --> 00:36:57.760 time when you stop going into the office. A boss 686 00:36:57.800 --> 00:36:59.800 came up to you and said, by the way, you 687 00:37:00.159 --> 00:37:04.159 as well apply for unemployment because you're fired or exactly, 688 00:37:04.519 --> 00:37:07.760 you're kind of hazy on when you were terminated. 689 00:37:09.519 --> 00:37:11.840 See that I'm having I don't know. I don't know. 690 00:37:13.400 --> 00:37:15.239 I have not gone What do you mean you don't know. 691 00:37:16.440 --> 00:37:19.519 I haven't gotten a response. I've been asking for a 692 00:37:19.599 --> 00:37:23.440 letter of termination or something stating that I'm no longer wording. 693 00:37:23.519 --> 00:37:29.079 Okay, Danielle, Danielle, here's what I'm asking. You're at work 694 00:37:30.760 --> 00:37:34.519 and the guy says, does he just walk up and say, hey, Danielle, 695 00:37:34.599 --> 00:37:38.760 apply for unemployment? Tell me the exact way it happened. 696 00:37:40.159 --> 00:37:40.599 Okay. 697 00:37:40.760 --> 00:37:45.360 So I had went to work March third, and I 698 00:37:45.440 --> 00:37:48.840 get in home office. There are multiple cameras in the office. 699 00:37:49.239 --> 00:37:52.400 I stepped away from my desk, and the guy who's 700 00:37:52.440 --> 00:37:54.559 home that was I stepped away from my desk was 701 00:37:54.599 --> 00:37:56.559 seeing that I was away from my desk for four minutes. 702 00:37:56.679 --> 00:37:59.840 Four minutes. I went into the kitchen. The phones were 703 00:37:59.840 --> 00:38:00.679 not I. 704 00:38:00.639 --> 00:38:01.360 Just stepped away. 705 00:38:01.760 --> 00:38:05.480 He then called the person who lived in the apartment 706 00:38:05.519 --> 00:38:08.800 downstairs and was screaming on the phone, and I could 707 00:38:08.840 --> 00:38:09.880 hear it from upstairs. 708 00:38:09.920 --> 00:38:12.840 I don't understand what Wait, wait, wait, wait, you said 709 00:38:12.880 --> 00:38:14.880 you were in the office. Is that correct? 710 00:38:15.559 --> 00:38:16.599 It's an in home office. 711 00:38:18.639 --> 00:38:19.039 Okay. 712 00:38:19.079 --> 00:38:22.639 So they use a camera to see that people are working. 713 00:38:23.760 --> 00:38:24.360 I get it. 714 00:38:24.800 --> 00:38:28.320 And they saw that you were not at your office. 715 00:38:29.559 --> 00:38:31.159 Oh yes, got the deak for four. 716 00:38:31.000 --> 00:38:37.000 Minutes, okay. And what happened Then he. 717 00:38:37.039 --> 00:38:41.119 Then started screaming to the family member that lived downstairs, 718 00:38:41.159 --> 00:38:43.119 and then called my phone and got on the camera 719 00:38:43.480 --> 00:38:45.559 and was screaming at me, calling me I need a 720 00:38:45.599 --> 00:38:48.039 clock out, that he's not going to pay for me 721 00:38:48.159 --> 00:38:51.639 to step away from my desk, and just was very vulgar, 722 00:38:53.079 --> 00:38:56.480 and I was like, WHOA like I I didn't understand, 723 00:38:56.480 --> 00:38:58.239 and I try to explain myself and he told me 724 00:38:58.280 --> 00:39:01.159 just to clock out. So I clocked out. Obviously, I'm pregnant, 725 00:39:01.159 --> 00:39:03.360 I'm crying, I'm upset. I leave. 726 00:39:03.960 --> 00:39:04.159 Yeah. 727 00:39:04.239 --> 00:39:06.360 He texted me later that day and he's like, we 728 00:39:06.440 --> 00:39:08.159 can have a meeting, and I'm like, the way that 729 00:39:08.159 --> 00:39:10.639 I've seen him treat his employees, I'm like, I'm not 730 00:39:10.679 --> 00:39:14.159 having a meeting without the other owner present. The other 731 00:39:14.280 --> 00:39:17.000 owner who then stated that he would not be present 732 00:39:17.440 --> 00:39:20.519 and that the business was then closing because he doesn't 733 00:39:20.559 --> 00:39:25.000 want to deal with this guy's attitude so he told 734 00:39:25.000 --> 00:39:25.320 me my. 735 00:39:25.320 --> 00:39:27.840 Back and what was his file for So then, Danielle, 736 00:39:27.880 --> 00:39:30.519 that was your last day. Danielle, that was your last 737 00:39:30.559 --> 00:39:34.239 day you clocked in right, Okay? So then after that, 738 00:39:34.400 --> 00:39:35.880 did you apply for unemployment? 739 00:39:36.760 --> 00:39:37.079 Yes? 740 00:39:38.679 --> 00:39:39.559 And what happened? 741 00:39:40.440 --> 00:39:43.559 I am still in the progress of filing for unemployment, 742 00:39:43.760 --> 00:39:47.880 but I feel like they are trying to fight it 743 00:39:47.920 --> 00:39:48.719 just because. 744 00:39:48.480 --> 00:39:50.280 None of it matters. If you put in for it, 745 00:39:50.320 --> 00:39:51.119 you're going to get it. 746 00:39:52.320 --> 00:39:53.719 Well, I hope you, because this is. 747 00:39:53.679 --> 00:39:56.280 Not I'm not the only employee who has been treated. 748 00:39:56.679 --> 00:39:59.880 But hold on a second, Danielle, did you were you 749 00:40:00.119 --> 00:40:01.320 covered by their insurance? 750 00:40:03.440 --> 00:40:07.000 They were a beginning starting business. I just started up 751 00:40:07.000 --> 00:40:09.280 with them, and I don't believe at that time they had. 752 00:40:09.199 --> 00:40:11.760 Insurance for us, Danielle. 753 00:40:11.920 --> 00:40:15.679 Danielle, when you took the job, were you an employee 754 00:40:15.800 --> 00:40:16.840 or ten ninety nine? 755 00:40:18.239 --> 00:40:18.719 I was an. 756 00:40:18.679 --> 00:40:23.519 Employee, but you knew you didn't have insurance. So you 757 00:40:23.559 --> 00:40:26.199 can't get them on that discrimination to get out of 758 00:40:26.239 --> 00:40:29.079 the payment because they weren't going to pay for your 759 00:40:29.280 --> 00:40:30.679 pregnancy anyway, right. 760 00:40:32.119 --> 00:40:34.280 No, they told me at the time to file for 761 00:40:34.519 --> 00:40:36.159 FMLA once I had the baby. 762 00:40:37.880 --> 00:40:40.199 Yeah, but that has nothing to do with them. So 763 00:40:40.320 --> 00:40:44.079 here's what I'm asking. You took that job without health insurance, 764 00:40:44.159 --> 00:40:51.280 right express. Okay, so we can't take that road. Okay, 765 00:40:51.559 --> 00:40:54.800 Well it doesn't matter. It doesn't matter. You weren't covered, 766 00:40:55.199 --> 00:40:57.039 So we can't say they were trying to get out 767 00:40:57.039 --> 00:40:59.679 of paying for your pregnancy. How can you say that 768 00:41:00.039 --> 00:41:02.280 when they weren't going to pay for it anyway. 769 00:41:03.440 --> 00:41:05.960 Because at that time everything was changing. They were just 770 00:41:06.239 --> 00:41:10.320 applying for insurance for us, everything was to be changing. 771 00:41:10.440 --> 00:41:12.199 I was the office manager. I was helping them. 772 00:41:12.440 --> 00:41:15.920 So you're saying, you're saying that they were getting ready 773 00:41:15.960 --> 00:41:18.960 to get some benefits going that they didn't want you 774 00:41:19.119 --> 00:41:19.559 on there. 775 00:41:20.679 --> 00:41:21.559 That's how I feel. 776 00:41:21.800 --> 00:41:22.719 That's how I feel. 777 00:41:25.280 --> 00:41:27.039 I can't let me. I want to ask. 778 00:41:27.199 --> 00:41:30.639 I want to ask integer insurance. 779 00:41:31.719 --> 00:41:33.760 What's that I play a quick devil's advocate here. 780 00:41:33.800 --> 00:41:37.119 She requested that she was told to punch out for sure, 781 00:41:37.159 --> 00:41:39.880 so that can be interpreted as she is fired. But 782 00:41:39.960 --> 00:41:42.760 then she requested a meeting in which to the which 783 00:41:42.960 --> 00:41:44.519 she denied because. 784 00:41:44.800 --> 00:41:47.239 They requested a meeting that she turned down. 785 00:41:47.159 --> 00:41:52.119 Correct, So that could imply she quit because she didn't 786 00:41:52.159 --> 00:41:53.079 want to come to the meeting. 787 00:41:54.559 --> 00:41:56.480 That's true, my status, very true. 788 00:41:56.599 --> 00:41:59.840 And you can get in the state of Colorado unemployment 789 00:41:59.840 --> 00:42:04.159 for almost anything. People can steal from your company and 790 00:42:04.239 --> 00:42:07.960 they'll give you unemployment. So just fill out for it 791 00:42:08.000 --> 00:42:08.960 and you're gonna get it. 792 00:42:10.360 --> 00:42:12.519 Hey, Mark, I know you're taking some of this from 793 00:42:12.599 --> 00:42:13.960 personal experience with us. 794 00:42:14.599 --> 00:42:17.559 And I had someone we add a thousand employees in 795 00:42:17.599 --> 00:42:23.199 my life like nobody, nobody, no matter why I fired him, ever, 796 00:42:23.519 --> 00:42:25.199 did not receive unemployment. 797 00:42:25.599 --> 00:42:30.400 I had someone. Listen to this, listen to this. I 798 00:42:30.440 --> 00:42:35.559 had someone steal from me, absolutely use the company credit 799 00:42:35.599 --> 00:42:40.480 card to find authors purchases for them. Yeah, this is 800 00:42:40.559 --> 00:42:47.199 what I was told by the state. Well was there 801 00:42:47.239 --> 00:42:52.320 a policy against stealing? And I said what they said, 802 00:42:52.360 --> 00:42:56.800 did you have a written policy against stealing? And I said, well, no, 803 00:42:56.960 --> 00:43:01.840 I guess I didn't. I had to have a written 804 00:43:01.880 --> 00:43:09.559 policy against stealing or I couldn't fire for cause that's 805 00:43:09.599 --> 00:43:13.800 from the state, Danielle. The way I look at it 806 00:43:13.920 --> 00:43:19.880 is this, none of this much matters unless you know, 807 00:43:20.039 --> 00:43:24.920 I mean, I don't. Let's let's let me find Integra 808 00:43:25.440 --> 00:43:29.440 Integra Insurance. I want to talk to either John or 809 00:43:29.519 --> 00:43:34.239 John Jr. I want to find out if she could 810 00:43:34.239 --> 00:43:39.000 have been retroactively covered anyway. Maybe it was a way 811 00:43:39.519 --> 00:43:42.519 they wanted to get benefits for the company, and when 812 00:43:42.519 --> 00:43:46.440 they found out having someone pregnant would be an extra load, 813 00:43:48.039 --> 00:43:50.920 maybe they did fire her because of that. But I 814 00:43:50.960 --> 00:43:54.039 want to find out what would have happened if they 815 00:43:54.039 --> 00:43:58.400 got insurance after the fact. Remember she was already hired 816 00:43:58.760 --> 00:44:01.960 and already pregnant. So let's find that out and more 817 00:44:02.039 --> 00:44:07.880 coming up on the Troubleshooter Show. Genesis tootal Exteriors dot com. 818 00:44:08.199 --> 00:44:12.239 They do stucco repair and installation, as well as everything 819 00:44:12.239 --> 00:44:22.960 else inside and outside of your home. Genesis Tootalexteriors dot com. 820 00:44:23.079 --> 00:44:26.320 Go with a sure thing Denver's Best roofer Excel Roofing 821 00:44:26.440 --> 00:44:29.079 dot com. You don't pay a cent until you're content. 822 00:44:32.440 --> 00:44:36.000 Time for an insurance checkup, free, no obligation comparison call 823 00:44:36.119 --> 00:44:39.440 Compass Insurance. Pay too much your coverage at dozens of 824 00:44:39.440 --> 00:44:42.400 insurance companies find out now three oh three seven seven 825 00:44:42.400 --> 00:44:45.199 to one help. You'll think you're his only customer when 826 00:44:45.199 --> 00:44:47.719 you choose Frank durand the Real estate Man dot com 827 00:44:47.719 --> 00:44:50.800 to list your home with Remax Alliance three oh three 828 00:44:50.920 --> 00:44:58.119 nine two zero sixteen twenty two. Hi Tom Martine, I 829 00:44:58.199 --> 00:45:01.519 want to go to an expert on health insurance. John 830 00:45:01.639 --> 00:45:08.320 Jones Jr. All right, Sir John Jones Junior. That's JJJ 831 00:45:08.519 --> 00:45:11.679 triple J. I'm gonna start calling his rap name, triple 832 00:45:11.760 --> 00:45:17.800 J triple J. What's uh? Hey? John? So this woman 833 00:45:17.880 --> 00:45:22.119 works for a company and she's pregnant. Now I want 834 00:45:22.159 --> 00:45:26.639 you to tell me what would happen. She is suspecting 835 00:45:27.199 --> 00:45:31.280 they fired her because she's pregnant and they are trying 836 00:45:31.320 --> 00:45:34.960 to get benefits on board and they didn't want to 837 00:45:35.000 --> 00:45:37.599 pay for her. So what I want to ask is. 838 00:45:37.559 --> 00:45:40.360 This is she. 839 00:45:42.960 --> 00:45:46.599 Is she right about this? If they were trying to 840 00:45:46.639 --> 00:45:50.719 get benefits, they would be retroactively covering her pregnancy or 841 00:45:50.760 --> 00:45:54.280 how would that work? If you are a company and 842 00:45:54.320 --> 00:45:57.159 you have a group of employees they all have pre 843 00:45:57.239 --> 00:46:02.000 existing conditions, and you start your coverage, what would happen. 844 00:46:03.119 --> 00:46:05.280 Then they're just covered from that point forward? I mean, 845 00:46:05.320 --> 00:46:07.639 it's not retroactive, right Like if you if you're if 846 00:46:07.639 --> 00:46:10.920 you're a business and you're you're putting benefits in place 847 00:46:10.920 --> 00:46:13.239 for your employees, health insurance in place, let's say for 848 00:46:13.280 --> 00:46:15.800 a May first effective date when your employees sign up 849 00:46:15.800 --> 00:46:18.079 and enrolled and they're covered from May first on. 850 00:46:20.119 --> 00:46:22.000 But would her pregnancy be covered. 851 00:46:23.079 --> 00:46:26.159 Of course, yeah, absolutely, I mean. 852 00:46:26.079 --> 00:46:27.039 That's what Okay. 853 00:46:27.159 --> 00:46:30.840 So, where there's employer plans through your employer or plans 854 00:46:30.880 --> 00:46:34.119 through the individual marketplace, the vast majority of these plans 855 00:46:34.119 --> 00:46:38.440 are are affordable can't qualified. They they they cover pre 856 00:46:38.480 --> 00:46:41.280 existing conditions. And for a long time, I mean employer 857 00:46:41.480 --> 00:46:45.360 employer coverage. I mean that that, even before the affordable 858 00:46:45.440 --> 00:46:50.440 character was a primary driver for employer coverage was that 859 00:46:51.480 --> 00:46:53.400 you get covered pre existing conditions. 860 00:46:53.400 --> 00:46:56.800 So, yes, okay, So here's what I want to know. 861 00:46:57.119 --> 00:47:00.239 I'm not asking if it happened. I'm just asking, is 862 00:47:00.239 --> 00:47:03.360 there a scenario you could imagine where a company is 863 00:47:03.400 --> 00:47:06.800 going out to get insurance and they have a pregnant 864 00:47:06.800 --> 00:47:10.559 person on board and they think that's detrimental because it's 865 00:47:10.559 --> 00:47:13.159 going to raise their premium or would that never even 866 00:47:13.199 --> 00:47:13.679 come up? 867 00:47:15.280 --> 00:47:19.880 Well, it depends on the product. And I certainly don't 868 00:47:19.880 --> 00:47:22.559 want to speak to the intention of a company as 869 00:47:22.559 --> 00:47:27.639 far as this is concerned, and whether or not that 870 00:47:27.679 --> 00:47:32.920 company right terminated employee based you know, but no. 871 00:47:32.960 --> 00:47:35.840 But I'm asking you would there be Here's all I'm asking, 872 00:47:36.239 --> 00:47:39.079 is there a financial incentive by getting rid of someone 873 00:47:39.079 --> 00:47:42.400 who's pregnant or someone who has a serious disease or something. 874 00:47:44.000 --> 00:47:47.719 These potentially there are some products out there now fully 875 00:47:47.800 --> 00:47:51.079 insured market, no, fully insured market. The rates are what 876 00:47:51.079 --> 00:47:54.559 the rates are in that rating area, and so that 877 00:47:54.599 --> 00:47:57.079 doesn't matter because it takes the pull of all the 878 00:47:57.079 --> 00:48:01.159 groups in that rating area. And so no, but if 879 00:48:01.159 --> 00:48:04.159 it's a large company, they have options of things like 880 00:48:04.480 --> 00:48:07.840 what's called level funded where they're rating the premiums are 881 00:48:07.880 --> 00:48:12.320 based on the underwriting of that specific group and the 882 00:48:12.440 --> 00:48:15.360 risk of that specific group. So there are products that 883 00:48:15.480 --> 00:48:21.000 exist that that somebody else could impact the group's ability 884 00:48:21.119 --> 00:48:24.400 to get more affordable else and okay initially or that 885 00:48:24.519 --> 00:48:27.000 level funded option. And so there's not enough for me 886 00:48:27.119 --> 00:48:27.679 to know here. 887 00:48:27.719 --> 00:48:28.239 And again I. 888 00:48:28.199 --> 00:48:30.360 Don't want to speak to the intention of an employer. 889 00:48:30.679 --> 00:48:33.239 No, no, I get it. No, No, what you're saying 890 00:48:33.280 --> 00:48:36.679 makes total sense. It makes total sense. Danielle, Is this 891 00:48:36.719 --> 00:48:48.679 a very large company? Danielle did she go away? Yeah? 892 00:48:49.400 --> 00:48:50.920 This is this a large company? 893 00:48:52.000 --> 00:48:53.800 No, it is not. Is a small company. 894 00:48:55.599 --> 00:48:57.199 How many employees. 895 00:48:58.159 --> 00:49:02.719 Including myself at the time, I'm going to six ten 896 00:49:02.840 --> 00:49:04.360 at the most between six and ten. 897 00:49:06.000 --> 00:49:08.679 So, John, that would likely not have a coverage that 898 00:49:08.719 --> 00:49:10.719 would care about pre existing or a. 899 00:49:10.599 --> 00:49:13.199 Specifically a couple of carris. I mean, there are a 900 00:49:13.199 --> 00:49:16.800 couple of carriers that offer level funded products to groups 901 00:49:16.840 --> 00:49:20.000 that small, but most require at least ten employees or 902 00:49:20.000 --> 00:49:22.559 more to even participate in the plan to get that 903 00:49:22.599 --> 00:49:23.559 level funded options. 904 00:49:24.079 --> 00:49:26.239 So that just doesn't you know, Thank you very much. 905 00:49:26.559 --> 00:49:29.679 By the way, Integra Insurance for your insurance, your health 906 00:49:29.719 --> 00:49:32.880 insurance checkups. Please call them three h three four six 907 00:49:32.960 --> 00:49:35.480 six fifty five hundred, even if it's not open enrollment, 908 00:49:36.519 --> 00:49:41.039 call them about your options going forward. Now here's what 909 00:49:41.079 --> 00:49:45.239 I want to say, Danielle. I truly think it's a 910 00:49:45.280 --> 00:49:49.400 long shot. Okay, I really do. I don't think. I 911 00:49:49.440 --> 00:49:52.280 don't think you can make the case that they fired 912 00:49:52.320 --> 00:49:56.880 you for financial incentives. I don't. I mean you can. 913 00:49:57.719 --> 00:50:01.000 I just personally don't think you would have to show 914 00:50:01.039 --> 00:50:04.360 that they would financially benefit by letting you go and 915 00:50:04.880 --> 00:50:08.800 because of the insurance they were about to get. But 916 00:50:08.960 --> 00:50:10.719 the fact that you are away from your desk for 917 00:50:10.760 --> 00:50:13.760 four minutes, see, other than the pregnancy thing, they can 918 00:50:13.800 --> 00:50:17.360 fire you basically for anything, So you'd have to show 919 00:50:17.360 --> 00:50:20.480 it is because you're pregnant, and I don't see the incentive. 920 00:50:20.760 --> 00:50:22.559 They'll just say, well, why the heck would we fire 921 00:50:22.599 --> 00:50:25.440 her because she's pregnant, And then you'd say, well, because 922 00:50:25.440 --> 00:50:29.280 you're getting coverage that's going to benefit if I'm not there, 923 00:50:29.320 --> 00:50:31.719 and then you'd have to prove that. So I wouldn't 924 00:50:31.719 --> 00:50:35.239 even bother at this point. Go for unemployment. You're going 925 00:50:35.280 --> 00:50:37.639 to get unemployment, and that we can help you with 926 00:50:37.880 --> 00:50:41.159 because you know they fired you, and I don't think 927 00:50:41.199 --> 00:50:44.159 they'll fight that unless being fired for cause you don't 928 00:50:44.159 --> 00:50:48.559 get unemployment? Is that true? Mark? You said, everyone gets unemployment, 929 00:50:48.679 --> 00:50:51.800 But what if you're fired for cause you still we 930 00:50:51.920 --> 00:50:54.039 still find that they get on your things most of 931 00:50:54.079 --> 00:50:58.519 the time unless you can prove what's going on. I 932 00:50:58.559 --> 00:51:00.920 still say she quits to show up for a meeting. 933 00:51:01.599 --> 00:51:04.079 Yeah, but a lot of that's what Dragon's thinking. A 934 00:51:04.119 --> 00:51:07.480 lot of those times that's where they end up getting paid. 935 00:51:09.039 --> 00:51:13.440 All right, Joe, what's going on with employment? What's going 936 00:51:13.480 --> 00:51:14.199 on with your check? 937 00:51:14.320 --> 00:51:14.480 Joe? 938 00:51:14.599 --> 00:51:15.280 What's going on? 939 00:51:16.920 --> 00:51:17.159 Hey? 940 00:51:17.239 --> 00:51:18.920 I was just calling you guys. I have a couple 941 00:51:18.960 --> 00:51:22.719 of different questions, but all look short because go ahead. 942 00:51:22.760 --> 00:51:26.920 I worked for a Gray Star it's a property. 943 00:51:26.519 --> 00:51:31.320 Management company or doing maintenance, and yeah, I was I 944 00:51:31.440 --> 00:51:36.199 was being discriminated. My boss is calling me racial slurs, 945 00:51:36.920 --> 00:51:40.639 doing like, what, what do you want me to say? 946 00:51:40.800 --> 00:51:42.559 Well, I mean like the end word. Well, no, no, 947 00:51:42.599 --> 00:51:43.480 here's what I want to know. 948 00:51:43.599 --> 00:51:46.159 I don't want you to use vulgarity, Joe. I don't 949 00:51:46.159 --> 00:51:48.440 want you to use vulgarity. But what was he saying 950 00:51:48.480 --> 00:51:51.840 to you? Like, yeah, was it regarding being black? Being hispanic? 951 00:51:51.920 --> 00:51:52.239 Being what? 952 00:51:52.800 --> 00:51:56.639 Yeah, being hispanic? Man, he's called me way. 953 00:51:56.480 --> 00:51:57.199 Back, got it? 954 00:51:58.280 --> 00:52:02.760 Okay? Okay? In the world literally, I mean he literally 955 00:52:02.840 --> 00:52:03.800 was calling you names. 956 00:52:04.159 --> 00:52:07.719 Anybody getting unemployment, bro, it's not true. Glad to go 957 00:52:07.800 --> 00:52:11.639 through the appills process. Did you end up with against me? 958 00:52:11.800 --> 00:52:12.519 Did you get it? 959 00:52:13.679 --> 00:52:13.800 No? 960 00:52:13.960 --> 00:52:15.199 I never got unemployment. 961 00:52:15.599 --> 00:52:20.039 Wow, Okay, tell us your story, Joe, tell us, Joe, 962 00:52:20.559 --> 00:52:21.559 tell us your story. 963 00:52:23.079 --> 00:52:26.760 Well, I was just working for for the property management 964 00:52:26.760 --> 00:52:29.159 company Gray Star, and I. 965 00:52:29.159 --> 00:52:30.880 Worked there for a couple of years. 966 00:52:31.000 --> 00:52:34.679 I was doing good, doing good maintenance, and the guys 967 00:52:34.719 --> 00:52:38.840 were just one of my maintenance supervisors. He was just 968 00:52:38.880 --> 00:52:42.400 sending me text messages, sending me like hundreds of text 969 00:52:42.440 --> 00:52:47.719 messages saying I'm short, little back Hispanic, and I mean 970 00:52:47.760 --> 00:52:50.639 it's not fair man like. And I never got unemployment 971 00:52:50.639 --> 00:52:51.519 from that company. 972 00:52:52.599 --> 00:52:58.079 And well, hold on though, you. Okay, So hold on. 973 00:52:58.159 --> 00:53:02.800 So you were working at gray Star our property management, right, yes, sir, 974 00:53:04.679 --> 00:53:08.719 and you were doing you were doing maintenance, yes, sir, 975 00:53:10.480 --> 00:53:14.880 And then you kept getting texts from who was this 976 00:53:14.920 --> 00:53:15.880 a supervisor? 977 00:53:16.840 --> 00:53:20.079 Yeah? I was a maintenance supervisor. And I had told him, I. 978 00:53:20.079 --> 00:53:23.599 Said, now did you did you keep those hold on man? 979 00:53:23.840 --> 00:53:25.280 Did you keep those texts? 980 00:53:26.719 --> 00:53:26.880 Well? 981 00:53:26.920 --> 00:53:29.760 I wasn't able to keep on because I had dropped 982 00:53:29.760 --> 00:53:33.039 my phone because I was doing a work order at 983 00:53:33.639 --> 00:53:34.559 an apartment. 984 00:53:34.679 --> 00:53:40.159 And so would he do this out of listen? Listen, listen. 985 00:53:40.159 --> 00:53:43.440 What I'm asking is this, was he doing this just 986 00:53:43.519 --> 00:53:45.599 out of the blue? All of a sudden you would 987 00:53:45.599 --> 00:53:48.400 get a text that say, hey, we back, what are 988 00:53:48.400 --> 00:53:50.960 you doing today? All tell me how that would work? 989 00:53:52.480 --> 00:53:54.920 No, I was just because, uh, because I put in 990 00:53:55.199 --> 00:53:58.480 because I had like a bunch of paid time off 991 00:53:58.559 --> 00:54:00.639 and vacation time. So I put it in like and 992 00:54:00.679 --> 00:54:02.880 I didn't approve it. I didn't get have to. I 993 00:54:02.920 --> 00:54:04.719 didn't have to get it approved through him, but I 994 00:54:04.719 --> 00:54:09.119 got it approved through my property manager. And he was like, oh, 995 00:54:09.159 --> 00:54:12.519 we don't need you anyways and all this stuff, you know. 996 00:54:12.679 --> 00:54:17.480 So okay, I get it. So he was upset. He 997 00:54:17.559 --> 00:54:19.920 just didn't like you. 998 00:54:19.920 --> 00:54:22.760 No, well we're best we're like best friends, man, like 999 00:54:22.800 --> 00:54:25.440 we are you saying? Now they drink beers together, and 1000 00:54:26.360 --> 00:54:29.960 but all of a sudden, he just could it be could. 1001 00:54:29.840 --> 00:54:32.480 It be that he was calling you that in fun? 1002 00:54:33.119 --> 00:54:37.000 I'm not suggesting it should be, but could it be? Hey? Bro, 1003 00:54:37.159 --> 00:54:38.559 Hey went back? I mean, could he. 1004 00:54:38.559 --> 00:54:42.599 Have been doing that thinking it's just with something pamful? 1005 00:54:43.159 --> 00:54:47.159 Yeah, yeah, I don't know. I mean I have to listen. 1006 00:54:49.039 --> 00:54:52.039 It was fun at first, like it was fun at first, 1007 00:54:52.119 --> 00:54:55.239 like we were just joking around, like because we had 1008 00:54:55.280 --> 00:54:57.880 another couple of guys that were from like Venezuela and 1009 00:54:57.880 --> 00:55:01.039 now Salvador that worked for us, and he was he 1010 00:55:01.239 --> 00:55:05.880 makes a kid as well, Oh el Salvadorn and Ben 1011 00:55:05.880 --> 00:55:06.320 and Lennon. 1012 00:55:06.599 --> 00:55:10.239 Yeah, okay, no, no, no, I'm talking about your your 1013 00:55:10.320 --> 00:55:16.800 super your supervisor, your what is your supervisor? White? 1014 00:55:17.119 --> 00:55:17.920 Yeah? He is white? 1015 00:55:18.280 --> 00:55:22.679 Got it. Here's the thing, Joe, if it was done 1016 00:55:22.760 --> 00:55:28.800 in jest in the beginning, at some point, if it 1017 00:55:28.840 --> 00:55:34.679 became irritating, it doesn't constitute harassment unless you let them know. 1018 00:55:35.480 --> 00:55:39.800 Let me give you an example. If someone is sexually inappropriate, 1019 00:55:39.840 --> 00:55:42.440 and I don't mean like having sex but just like 1020 00:55:42.519 --> 00:55:44.679 maybe putting a hand on his shoulder or talking to 1021 00:55:45.440 --> 00:55:49.119 a female employee, and and it's taken in jest, and 1022 00:55:49.320 --> 00:55:52.599 the female employee is comfortable with it and doesn't care, 1023 00:55:52.960 --> 00:55:55.400 and then all of a sudden she does. She would 1024 00:55:55.400 --> 00:55:58.280 have to make that known. And the same goes with 1025 00:55:58.440 --> 00:56:01.719 racial stuff. Racial stuff, I think, you know, no matter 1026 00:56:01.719 --> 00:56:04.800 what anyone thinks of it, there are people who do 1027 00:56:04.880 --> 00:56:07.800 it in jest, and they do it for fun, and 1028 00:56:07.840 --> 00:56:10.199 they do it with each other. But then at some 1029 00:56:10.400 --> 00:56:14.480 point you say enough is enough. You have to communicate that. 1030 00:56:15.079 --> 00:56:18.960 So if at one time it was okay, did you 1031 00:56:19.039 --> 00:56:22.079 finally say wait a minute, enough with the wet back stuff? 1032 00:56:23.199 --> 00:56:25.840 Yeah, I did. I told him a property manager, and 1033 00:56:25.880 --> 00:56:31.519 I told HR everything I got like I got okay, good, HR. 1034 00:56:31.360 --> 00:56:34.639 Okay good. So you made a record of it somewhere 1035 00:56:34.679 --> 00:56:35.960 with the employer. 1036 00:56:36.440 --> 00:56:38.440 Yes, sir, and they got it. 1037 00:56:38.599 --> 00:56:40.199 Okay. That's what you. 1038 00:56:40.360 --> 00:56:45.760 Call impired because I even got him fired. He was 1039 00:56:45.800 --> 00:56:49.880 with Gray Star for like twenty years and he was 1040 00:56:49.920 --> 00:56:54.480 a property regional property manager. I got him fired because 1041 00:56:54.760 --> 00:56:59.000 of stuff that. Because my niece she actually ended up well. 1042 00:56:58.880 --> 00:57:03.679 Joe, Joe, listen, if this company was stand up enough 1043 00:57:03.960 --> 00:57:07.320 to fire this guy. Why are they giving you a 1044 00:57:07.400 --> 00:57:12.360 hard time about unemployment? Because what you're describing is what's 1045 00:57:12.440 --> 00:57:13.840 called a hostile. 1046 00:57:13.400 --> 00:57:16.800 Work environment now a hostile work environment? 1047 00:57:18.920 --> 00:57:22.760 And what did the unemployment What did the unemployment office 1048 00:57:22.760 --> 00:57:25.960 determine that you were not that you were fired for 1049 00:57:26.119 --> 00:57:28.199 cause and do not deserve unemployment? 1050 00:57:29.199 --> 00:57:29.519 Yes? 1051 00:57:29.800 --> 00:57:33.480 And I already hired like I already hired a private 1052 00:57:33.519 --> 00:57:35.840 attorneys and they were they took it on. 1053 00:57:36.079 --> 00:57:40.000 Joe, something something is wrong with your story. We get 1054 00:57:40.039 --> 00:57:43.159 to figure out what it is. I hold on, I'm 1055 00:57:43.199 --> 00:57:47.599 Tom Martine. Well hold on though, we'll we'll figure this out. 1056 00:57:47.960 --> 00:57:52.400 Compass Insurance Group for free insurance evaluations of all of 1057 00:57:52.440 --> 00:57:56.119 your property and casualty coverage and your car insurance. Make 1058 00:57:56.159 --> 00:57:58.920 sure you're not paying too much three h three nine 1059 00:57:59.039 --> 00:58:08.760 nine six thousand Go with a sure thing Denver's Best 1060 00:58:08.840 --> 00:58:11.719 roofer Excel roofing dot com. You don't pay a cent 1061 00:58:11.920 --> 00:58:18.679 until you're content. Time for an insurance checkup, free, no obligation. 1062 00:58:18.719 --> 00:58:22.559 In comparison, call Compass Insurance paying too much your coverage 1063 00:58:22.559 --> 00:58:25.159 at dozens of insurance companies find out now three O 1064 00:58:25.280 --> 00:58:27.639 three seven to seven to one. Help You'll think you're 1065 00:58:27.679 --> 00:58:30.199 his only customer when you choose Frank durand the real 1066 00:58:30.280 --> 00:58:33.280 estate man dot com to list your home with Remax 1067 00:58:33.320 --> 00:58:40.159 Alliance three three nine two zero sixteen twenty two. Okay, 1068 00:58:41.199 --> 00:58:45.519 we got to figure out what Joe can do to 1069 00:58:45.559 --> 00:58:52.519 prove his case because making that accusation is going to 1070 00:58:52.559 --> 00:58:57.599 be difficult. It's a hostile work environment. Joe, did you 1071 00:58:57.719 --> 00:59:03.039 say that you already went to US unemployment hearing? 1072 00:59:05.079 --> 00:59:08.280 Yeah? I had to appeal it because they denied it 1073 00:59:08.480 --> 00:59:09.280 or whatever. 1074 00:59:09.079 --> 00:59:14.280 And you hired an attorney. Is that correct? Forgive me 1075 00:59:14.320 --> 00:59:18.440 for not remembering, But why were you fired? What was 1076 00:59:18.480 --> 00:59:22.000 the reason they gave? Oh? 1077 00:59:22.840 --> 00:59:25.079 Okay, they literally had. 1078 00:59:25.159 --> 00:59:32.519 So weak notice. Yeah, but okay they will Joe, if 1079 00:59:32.559 --> 00:59:35.000 you put in your notice to quit, why do you 1080 00:59:35.079 --> 00:59:36.719 think you deserve unemployment? 1081 00:59:38.719 --> 00:59:41.199 Yeah? Because I mean she was. 1082 00:59:41.119 --> 00:59:43.599 Fed up with the abuse, is basically what he said. 1083 00:59:43.960 --> 00:59:46.000 Set up with the abuse. Man, Like I was, like, 1084 00:59:46.199 --> 00:59:47.760 I was coming to work every day. 1085 00:59:47.679 --> 00:59:51.400 And okay, so are you saying the reason. 1086 00:59:51.320 --> 00:59:53.360 He could do my job? And he was saying the 1087 00:59:53.440 --> 00:59:54.159 monkey could do my. 1088 00:59:54.360 --> 00:59:56.920 Okay, got it. Here's what I'm asking. 1089 00:59:56.960 --> 01:00:00.880 Then, So you're you're you're saying you quit because of 1090 01:00:00.920 --> 01:00:09.119 the hostile work environment. Yes, sir, Okay, No, I get it. 1091 01:00:09.440 --> 01:00:13.000 I get that that if that truly happened, I totally 1092 01:00:13.039 --> 01:00:16.719 am with you. If they were really being hostile and 1093 01:00:16.800 --> 01:00:20.599 you put in a resignation because of it, I think 1094 01:00:20.639 --> 01:00:23.280 that you'll win. And I'll tell you why you should 1095 01:00:23.280 --> 01:00:27.039 have won. I had someone who quit and went to 1096 01:00:27.079 --> 01:00:31.440 the Bahamas and then said they wanted unemployment, and they 1097 01:00:31.440 --> 01:00:33.920 said it was a hostile work environment. And we were 1098 01:00:33.960 --> 01:00:37.360 the best of friends, and this this drunk sitting on 1099 01:00:37.400 --> 01:00:42.639 the beach and the Bahamas got unemployment from Colorado. So 1100 01:00:42.800 --> 01:00:45.320 I don't know why they turned you down. What did 1101 01:00:45.320 --> 01:00:47.960 they say when they turned you down? I'll tell you why. 1102 01:00:48.000 --> 01:00:51.199 Because he didn't have He actually gave them a letter, 1103 01:00:51.280 --> 01:00:55.000 a piece of paper that was a two week notice. 1104 01:00:55.199 --> 01:01:00.239 But Mark, the reason he quit was because of the 1105 01:00:59.719 --> 01:01:01.960 hot work environment. That's what I'm getting at. 1106 01:01:02.119 --> 01:01:05.119 I get and I even agree with him. All I'm 1107 01:01:05.159 --> 01:01:08.280 saying is the reason he lost the case is because 1108 01:01:08.320 --> 01:01:10.960 they said this is ridiculous. Here's his thing. You know 1109 01:01:11.280 --> 01:01:12.239 they had this proof. 1110 01:01:12.280 --> 01:01:17.280 No, but Mark, Mark that you don't need proof. He 1111 01:01:17.519 --> 01:01:21.519 admitted he quit because of the hostile work environment. Do 1112 01:01:21.559 --> 01:01:24.000 you understand what I'm saying? It wasn't like he was 1113 01:01:24.039 --> 01:01:28.039 going to quit anyway and now wants unemployment. The reason 1114 01:01:28.159 --> 01:01:31.599 he quit was for the hostile work environment. They don't 1115 01:01:31.639 --> 01:01:34.719 need proof of a two week notice. He volunteered that. 1116 01:01:35.119 --> 01:01:38.880 He said, Hey, listen, I quit Gray Star Property Management 1117 01:01:39.199 --> 01:01:43.360 because it was hostile and I want unemployment. It happens 1118 01:01:43.400 --> 01:01:45.079 every day. We can reach out, we. 1119 01:01:45.079 --> 01:01:49.239 Can reach out to Hey, Tom, I didn't really want 1120 01:01:49.320 --> 01:01:53.800 the unemployment because I'm a scale of maintains guy and 1121 01:01:53.840 --> 01:01:55.800 I've been doing this for like almost can. 1122 01:01:56.800 --> 01:01:58.960 Well, then if then why are you calling us? If 1123 01:01:59.000 --> 01:02:01.239 you didn't want the unemployed? Why are you calling us? 1124 01:02:02.320 --> 01:02:02.559 Yeah? 1125 01:02:02.599 --> 01:02:04.840 Because I'm saying that that was unfair, Like, I mean, 1126 01:02:04.880 --> 01:02:06.039 I got a job right away. 1127 01:02:06.320 --> 01:02:07.000 But what do you want? 1128 01:02:07.199 --> 01:02:07.440 Man? 1129 01:02:07.559 --> 01:02:10.199 Well, okay, but Joe you're telling Joe, you're telling me 1130 01:02:10.280 --> 01:02:12.760 it was unfair. I agree with you. If what you're 1131 01:02:12.800 --> 01:02:15.360 saying is true, I agree with you. But if you're 1132 01:02:15.400 --> 01:02:18.679 saying that, but you don't want the unemployment, why did 1133 01:02:18.719 --> 01:02:19.199 you call? 1134 01:02:21.360 --> 01:02:25.880 Yeah? Because my means I mean I should have deserved it. 1135 01:02:26.079 --> 01:02:26.920 I mean, why did you. 1136 01:02:27.000 --> 01:02:27.679 I did unemploy? 1137 01:02:27.760 --> 01:02:27.920 Man? 1138 01:02:27.920 --> 01:02:29.840 What do you mean? Why did I call? I was like, 1139 01:02:30.519 --> 01:02:34.079 I got an unemployment because of that. I tried to 1140 01:02:34.119 --> 01:02:36.639 get a job like I tried to do. 1141 01:02:36.760 --> 01:02:39.119 Joe helped me out here, Joe helped me home. 1142 01:02:39.159 --> 01:02:43.000 Man, Joe, Joe, Now listen, man, really seriously, we're on 1143 01:02:43.039 --> 01:02:45.599 your side. But you just told us you don't care 1144 01:02:45.639 --> 01:02:46.639 about the unemployment. 1145 01:02:48.119 --> 01:02:48.320 Yeah. 1146 01:02:48.360 --> 01:02:50.800 I really didn't at first because I know I could 1147 01:02:50.800 --> 01:02:53.960 get a job right away, So I'm okay. 1148 01:02:54.119 --> 01:02:58.079 But then when did that change? When did that change? 1149 01:02:58.360 --> 01:03:02.639 Why for unemployment? Man? And I was just telling you guys, like, are. 1150 01:03:02.559 --> 01:03:03.280 You just trying to make. 1151 01:03:06.119 --> 01:03:07.280 A moment or something? 1152 01:03:07.599 --> 01:03:09.679 Tom, I have a suggestion for Joe. 1153 01:03:10.679 --> 01:03:12.960 One at a time. Hold on one second, Dragon, what 1154 01:03:13.000 --> 01:03:13.599 were you saying? 1155 01:03:13.920 --> 01:03:15.880 You just called to make a comment about the previous 1156 01:03:15.920 --> 01:03:18.639 caller saying that everybody gets unemployment, and you're just saying 1157 01:03:18.639 --> 01:03:19.840 that that's not true. 1158 01:03:20.079 --> 01:03:22.719 Maybe that's what it was. Maybe he was trying to 1159 01:03:22.760 --> 01:03:27.159 tell us God, okay, that makes much sense now yeah, okay, now, bo, 1160 01:03:27.360 --> 01:03:28.280 what were you going to say? 1161 01:03:28.400 --> 01:03:29.679 I do want to clarify that. 1162 01:03:31.199 --> 01:03:35.360 Everybody gets unemployment? Man, it's not true that everybody gets 1163 01:03:35.400 --> 01:03:37.280 unemployment because how long ago? 1164 01:03:37.559 --> 01:03:39.159 How long ago did this happen to you? 1165 01:03:39.320 --> 01:03:39.559 Joe? 1166 01:03:39.920 --> 01:03:40.639 How long ago? 1167 01:03:41.760 --> 01:03:42.719 It was like a year ago? 1168 01:03:44.280 --> 01:03:47.199 Okay, it's probably too late for us to do anything. Okay, 1169 01:03:47.239 --> 01:03:49.599 So that's the point. Thank you. Joe put him on hold. 1170 01:03:49.960 --> 01:03:54.199 He was just calling to say we're wrong. Well, it 1171 01:03:54.280 --> 01:03:55.920 was not easy to get on a play. 1172 01:03:56.000 --> 01:03:57.679 And I do want to say this. I want to 1173 01:03:57.760 --> 01:03:59.159 change that statement a little. 1174 01:03:59.400 --> 01:04:02.760 Anybody that I fired for what I would consider cause, 1175 01:04:02.920 --> 01:04:08.239 like stealing, or like drinking on the job or anything 1176 01:04:08.360 --> 01:04:11.440 like that, they I'd always fight it all the way. 1177 01:04:11.280 --> 01:04:13.119 Through everything, and I lost every time. 1178 01:04:13.400 --> 01:04:16.440 People that actually gave me a letter saying I quit, 1179 01:04:17.119 --> 01:04:20.480 well they didn't even try to get unemployment. So I mean, 1180 01:04:20.519 --> 01:04:22.920 I don't know how that part works. 1181 01:04:23.840 --> 01:04:27.760 Now here's the point. Oh well, bo, what were you 1182 01:04:27.800 --> 01:04:28.280 going to say? 1183 01:04:31.559 --> 01:04:32.480 Going to say? 1184 01:04:32.519 --> 01:04:36.960 The only reason Joe called was it just bitch about 1185 01:04:36.960 --> 01:04:40.239 this Grace Property Management. Now I did check it out. 1186 01:04:40.280 --> 01:04:43.239 They only have one point three reviews I saw. I 1187 01:04:43.280 --> 01:04:46.559 think Joe got his job accomplished. So all you wanted 1188 01:04:46.599 --> 01:04:49.039 to do is complain about this management company. 1189 01:04:48.840 --> 01:04:51.000 They've got a ton of reviews. I looked it up 1190 01:04:51.000 --> 01:04:53.360 two times there, God for the company. 1191 01:04:55.079 --> 01:05:00.199 Okay, All right, now, Deputy Bow, since you're on Oh 1192 01:05:00.280 --> 01:05:03.280 do I have to take a break here, dragon God? Yes, 1193 01:05:03.400 --> 01:05:05.840 yes you do. Okay, let me let me take I'm 1194 01:05:05.840 --> 01:05:07.360 way late. Hold on, we'll come right back. 1195 01:05:07.360 --> 01:05:08.000 And then Dmitri. 1196 01:05:08.039 --> 01:05:16.679 He's got a great update too. Go with a sure 1197 01:05:16.800 --> 01:05:20.239 thing Denver's best roofer Excel Roofing dot com. You don't 1198 01:05:20.239 --> 01:05:26.280 pay a cent until you're content. Time for an insurance 1199 01:05:26.360 --> 01:05:30.440 check up free, no obligation comparison call Compass Insurance paying 1200 01:05:30.519 --> 01:05:33.559 too much your coverage at dozens of insurance companies find 1201 01:05:33.559 --> 01:05:35.920 out now three oh three seven to seven to one. Help. 1202 01:05:36.079 --> 01:05:38.719 You'll think you're his only customer when you choose Frank 1203 01:05:38.800 --> 01:05:41.239 durand the real estate Man dot com to list your 1204 01:05:41.280 --> 01:05:44.440 home with Remax Alliance three oh three nine two zero 1205 01:05:44.519 --> 01:05:54.320 sixteen twenty two. Hi Tom Martina here three O three 1206 01:05:54.360 --> 01:05:56.880 seven one three talk seven one three two five to five. 1207 01:05:58.239 --> 01:06:00.719 Danny's got a comment on booted car. We've been talking 1208 01:06:00.719 --> 01:06:04.280 about cars being illegally booted all over the city by 1209 01:06:04.360 --> 01:06:07.119 park it right. These guys need to be put out 1210 01:06:07.119 --> 01:06:11.639 of business kind of like why this was go ahead? Danny? 1211 01:06:11.639 --> 01:06:16.440 What's your comment? I was wondering could you take them 1212 01:06:16.480 --> 01:06:20.280 to small Kan's court because I feel that they had 1213 01:06:20.280 --> 01:06:25.880 to give me the parking pat. Oh are you the 1214 01:06:25.880 --> 01:06:27.280 one that had your car booted. 1215 01:06:30.599 --> 01:06:33.239 No, no, no, I was calling about it. 1216 01:06:33.639 --> 01:06:40.199 I was okay, got it, Okay. So here's what happened. 1217 01:06:40.519 --> 01:06:45.880 The marine, the ex marine that went and did bo 1218 01:06:46.039 --> 01:06:47.920 handle that? Were you on that? 1219 01:06:48.800 --> 01:06:52.199 Cameron? Dean and I went over there last Friday. 1220 01:06:52.480 --> 01:06:54.000 He almost got thrown in the can. 1221 01:06:54.280 --> 01:06:58.639 Yeah, they called the police office so Cameron, when Cameron 1222 01:06:59.039 --> 01:07:01.440 had a lease, he could show he had a lease, 1223 01:07:01.840 --> 01:07:04.199 but they didn't give him a parking pass and they 1224 01:07:04.199 --> 01:07:07.599 booted his cars and bo he ended up having his 1225 01:07:07.639 --> 01:07:09.360 girlfriend ended up paying for that, right. 1226 01:07:09.480 --> 01:07:12.199 Yeah, she was just getting stressed out over the whole situation. 1227 01:07:12.320 --> 01:07:14.880 While I was waiting for Denver police, she went into 1228 01:07:14.880 --> 01:07:15.400 her apartment. 1229 01:07:16.000 --> 01:07:18.199 I think they should have just cut him off. I 1230 01:07:18.280 --> 01:07:20.880 do too. Now here's what I want to know, is 1231 01:07:20.920 --> 01:07:25.440 anyone taking that apartment complex to small claims court? Because 1232 01:07:25.480 --> 01:07:30.679 they should? And I agree with Danny that's a great idea. 1233 01:07:30.960 --> 01:07:31.960 That is a great idea. 1234 01:07:32.000 --> 01:07:34.199 And Tom, I did file a formal complaint with the 1235 01:07:34.199 --> 01:07:37.679 Public Utilities Commissioned. I did get a case number and 1236 01:07:37.719 --> 01:07:41.360 they are investigating it. They said they would good because there. 1237 01:07:41.199 --> 01:07:44.320 Were no warning signs. There were no bo. I want 1238 01:07:44.360 --> 01:07:45.719 you to call him and tell them we'd like to 1239 01:07:45.719 --> 01:07:48.280 help them, of course, not with the legal part of it, 1240 01:07:48.360 --> 01:07:51.639 but with the logistic part of it for filing a 1241 01:07:51.679 --> 01:07:52.679 small claims court. 1242 01:07:52.800 --> 01:07:55.159 The other one that was not park it right though, 1243 01:07:55.199 --> 01:07:58.320 that was the other one right in metro parking. Metro parking. 1244 01:07:59.280 --> 01:08:01.920 It doesn't matter. It still should go to small claims court, 1245 01:08:02.159 --> 01:08:05.039 and I would love to follow it along when it does. 1246 01:08:05.519 --> 01:08:08.920 Okay, so you know I'll call it Chemames. 1247 01:08:08.360 --> 01:08:12.519 Now bo now bo. While you're on, tell us about 1248 01:08:12.559 --> 01:08:15.559 this follow up about the oil leak and what happened. 1249 01:08:15.960 --> 01:08:17.640 Yeah, this was Doug Sanders. 1250 01:08:17.960 --> 01:08:24.399 He called in on Wednesday, February twenty fifth. Grease Monkey 1251 01:08:24.600 --> 01:08:28.119 had an oil change done and grease Monkey did not 1252 01:08:28.279 --> 01:08:30.880 remove the O ring on the oil filter. 1253 01:08:31.600 --> 01:08:33.439 He drove the car. Run all right, hold on and 1254 01:08:33.439 --> 01:08:35.560 we're going to come back because we're running out of time. 1255 01:08:35.560 --> 01:08:37.680 We're gonna find out what happened and how that was 1256 01:08:37.760 --> 01:08:41.159 resolved if it was. I'm Tom Martine. Stick around for 1257 01:08:41.199 --> 01:08:45.920 more of the Troubleshooter Show. Go with a sure Thing 1258 01:08:46.039 --> 01:08:49.359 Denver's Best roofer Excel roofing dot com. You don't pay 1259 01:08:49.359 --> 01:08:56.000 a cent until you're content. Time for an insurance check up, free, 1260 01:08:56.079 --> 01:08:59.800 no obligation in comparison, call Compass Insurance paying too much 1261 01:09:00.039 --> 01:09:02.880 your coverage at dozens of insurance companies find out now 1262 01:09:02.960 --> 01:09:05.479 three all three seven seven to one help. You'll think 1263 01:09:05.479 --> 01:09:08.079 you're his only customer when you choose Frank durand the 1264 01:09:08.119 --> 01:09:10.760 real estate man dot com to list your home with 1265 01:09:10.880 --> 01:09:17.960 Remax Alliance three all three nine two zero sixteen twenty two. 1266 01:09:15.520 --> 01:09:28.000 Yea, rita you needed, That's who you don't have. Come 1267 01:09:28.159 --> 01:09:32.720 running sious as fast as we can. Shooter's gonna help. 1268 01:09:33.000 --> 01:09:35.760 Come man, this is. 1269 01:09:35.720 --> 01:09:42.479 The Troubleshooter Show. Now, Tom Martino, Hello, welcome to the show. 1270 01:09:42.520 --> 01:09:45.039 I'm Tom Martino and I'm glad. Do you have you 1271 01:09:45.119 --> 01:09:47.960 here on a Friday car day. We haven't had many 1272 01:09:47.960 --> 01:09:50.119 car questions, but we will. Kevin Colkins with us from 1273 01:09:50.119 --> 01:09:53.960 Sheridan Autotech. Deputy Docs in the studio, Deputy Bo's in 1274 01:09:54.000 --> 01:09:57.239 the studio, Deputy D's in the studio, Susan Mark Major. 1275 01:09:57.560 --> 01:09:59.880 Let me bring them all up. There you go. Now, 1276 01:10:00.119 --> 01:10:04.079 let's have some follow ups as well. Three three seven 1277 01:10:04.239 --> 01:10:07.000 one three talk seven one three two five five Deputy Bow. 1278 01:10:07.439 --> 01:10:11.680 He was telling us about Doug and oil and grease 1279 01:10:11.760 --> 01:10:14.479 Monkey and all of that. So let's get to it. 1280 01:10:15.920 --> 01:10:17.760 What was the original problem. 1281 01:10:18.279 --> 01:10:21.479 The original problem was he went into greet the Longmont 1282 01:10:21.720 --> 01:10:28.119 grease Monkey location for an oil change, and apparently they 1283 01:10:28.239 --> 01:10:34.119 did not remove the oil filter gasket, so he basically 1284 01:10:34.159 --> 01:10:38.640 had the new oil filter gasket in the old fie, yeah, 1285 01:10:38.640 --> 01:10:41.680 I think, And he drove it for like three or 1286 01:10:41.680 --> 01:10:44.640 four hundred miles and he heard a knocking of the 1287 01:10:44.680 --> 01:10:49.119 engine and he went to another mechanic up there in Longmont, 1288 01:10:49.680 --> 01:10:50.840 and it was six. 1289 01:10:50.760 --> 01:10:52.399 Quarts low on oil. 1290 01:10:53.159 --> 01:10:57.359 He's very fortunate he did not lose the engine. And 1291 01:10:57.399 --> 01:10:59.520 I believe they had to change the other company, I 1292 01:10:59.560 --> 01:11:01.199 think it was called Pride Automotive. 1293 01:11:01.239 --> 01:11:03.560 They had to change some sort of head gasket. 1294 01:11:04.319 --> 01:11:09.600 So the bill incurred with six hundred dollars with Pride Automotive, 1295 01:11:10.479 --> 01:11:12.560 and then grease Monkey had a bill of two hundred 1296 01:11:12.560 --> 01:11:15.359 and eighty dollars. So we were just fighting with the 1297 01:11:15.439 --> 01:11:19.760 grease Monkey home of corporate office, you know, to admit 1298 01:11:19.800 --> 01:11:22.479 that they did wrong with this oil filter casket. 1299 01:11:23.239 --> 01:11:25.199 So they didn't want to do anything. 1300 01:11:25.279 --> 01:11:29.199 Man, they sucked the local branch manager there in. 1301 01:11:29.279 --> 01:11:32.079 That's odd, huh, refused. 1302 01:11:31.479 --> 01:11:33.720 To talk to us and told me not to make 1303 01:11:33.840 --> 01:11:37.479 any more phone calls. So I was able to call 1304 01:11:37.600 --> 01:11:41.279 the corporate grease Monkey corporate office out of state, and 1305 01:11:41.279 --> 01:11:44.840 then they were able to transfer me around to another 1306 01:11:45.560 --> 01:11:50.359 grease Monkey corporate office. Basically, so just last week they 1307 01:11:50.439 --> 01:11:54.119 agreed to pay Doug Sanders in full for the grease 1308 01:11:54.159 --> 01:11:57.359 Monkey bill and the charges he had to incur with 1309 01:11:57.479 --> 01:12:00.600 the other MCKI King Paris car and amount of eight 1310 01:12:00.720 --> 01:12:02.079 hundred and fifty dollars. 1311 01:12:02.119 --> 01:12:04.439 That is a way to hound dog Man. You got 1312 01:12:04.479 --> 01:12:06.079 on that. You didn't give up the. 1313 01:12:06.159 --> 01:12:07.319 Sense from Jack here. 1314 01:12:07.920 --> 01:12:09.600 I called every in that. 1315 01:12:09.560 --> 01:12:13.680 January that he called. Uh now he called like maybe 1316 01:12:13.720 --> 01:12:14.800 a January he called. 1317 01:12:14.840 --> 01:12:16.479 The original call came in January. 1318 01:12:16.920 --> 01:12:17.760 Damn long ago. 1319 01:12:18.600 --> 01:12:19.960 Yeah, it was January. 1320 01:12:20.760 --> 01:12:23.479 Yeah, we've been I've been making two or three calls 1321 01:12:23.560 --> 01:12:27.520 every week and finally got the right you know, we're saying. 1322 01:12:27.319 --> 01:12:30.680 Man, you know bo really really really really seriously, that 1323 01:12:30.800 --> 01:12:34.319 deserves that, That deserves some kudos. You get my dinger. 1324 01:12:34.920 --> 01:12:36.560 You got to get my dinger for that. And it 1325 01:12:36.800 --> 01:12:37.520 was just like good. 1326 01:12:38.840 --> 01:12:40.159 Yeah, he's very. 1327 01:12:40.000 --> 01:12:40.960 Happy for the show. 1328 01:12:41.039 --> 01:12:43.039 He didn't want to come on here and discussip, but 1329 01:12:43.119 --> 01:12:45.079 he's very happy. 1330 01:12:46.279 --> 01:12:48.840 I mean, think about that. You're a hound dog man. 1331 01:12:48.960 --> 01:12:53.399 He a pitbull. This guy got on this case way back. 1332 01:12:54.279 --> 01:12:54.920 I love it. 1333 01:12:55.279 --> 01:12:55.399 Bo. 1334 01:12:55.640 --> 01:12:59.960 Okay, thank you Bo. Dmitri Deputy d as we call him, 1335 01:13:00.239 --> 01:13:04.600 Hey Tom, his rapper name d me Tree. 1336 01:13:04.640 --> 01:13:08.840 What's happening, Hey, I had a great meeting at a 1337 01:13:09.000 --> 01:13:12.039 super high class joint called mile Hi Honda this morning. 1338 01:13:13.000 --> 01:13:15.600 You may recall that Christy called us about a month 1339 01:13:15.640 --> 01:13:19.079 ago and she bought a brand new Honda CRV hybrid 1340 01:13:19.760 --> 01:13:24.600 and she reported hearing the super high pitched sound that's 1341 01:13:24.720 --> 01:13:27.279 driving her up the wall, and so. 1342 01:13:27.319 --> 01:13:29.520 A couple of yes and now hold on. But part 1343 01:13:29.560 --> 01:13:32.880 of it was that not everyone could hear it. You 1344 01:13:33.039 --> 01:13:35.640 happened to hear some of it, and we started talking 1345 01:13:35.680 --> 01:13:39.600 about this. Yes, yeah, thank you. 1346 01:13:39.640 --> 01:13:39.720 No. 1347 01:13:39.880 --> 01:13:42.720 That literally is when she called into the show. 1348 01:13:42.760 --> 01:13:43.760 That's what it's like. 1349 01:13:43.880 --> 01:13:46.840 That is actually Christy's voice on a recording that mister 1350 01:13:46.920 --> 01:13:55.359 Dragon has played back. So a couple of weeks ago, 1351 01:13:55.439 --> 01:13:58.760 she stopped by the studio here on car Day and 1352 01:13:58.880 --> 01:14:01.039 Kevin from Sheridan Auto Tech and I went for a 1353 01:14:01.159 --> 01:14:06.079 ride and I predicted it turned out correctly that only 1354 01:14:06.119 --> 01:14:08.479 some of us can hear the super high pitched sound 1355 01:14:08.840 --> 01:14:13.000 and some won't. So during the ride, I unmistakably heard 1356 01:14:13.000 --> 01:14:16.279 the sound Kevin heard it, just a little snippet of it, 1357 01:14:16.319 --> 01:14:19.920 but only once. And we had that discussion with you 1358 01:14:20.039 --> 01:14:22.439 and me a couple of times that. 1359 01:14:21.880 --> 01:14:23.760 That's just how our age. 1360 01:14:24.039 --> 01:14:28.199 However, Tom, in preparation for today's update, I brought a 1361 01:14:28.239 --> 01:14:33.079 tone generator and I'm able to replicate that sound. If 1362 01:14:33.479 --> 01:14:35.319 it would be kind of interesting to see how many 1363 01:14:35.359 --> 01:14:38.359 people here in the studio and you, Tom can hear 1364 01:14:38.439 --> 01:14:42.640 this sound. So okay, So if everybody can remove their 1365 01:14:42.680 --> 01:14:45.760 headphones for just a moment, I'm going to play the sound. 1366 01:14:46.239 --> 01:14:49.439 Why don't we Why don't we send it to Dragon 1367 01:14:49.520 --> 01:14:50.920 and he can play it over the air. 1368 01:14:52.000 --> 01:14:54.840 Yeah, let's end that app. That's why he's playing my phone. 1369 01:14:55.239 --> 01:15:03.479 Try just try it, okay, Yeah, it comes everybody ready, Yeah, you. 1370 01:15:03.399 --> 01:15:06.119 Can't what I have my oh my sound is off? 1371 01:15:06.520 --> 01:15:08.640 Oh my god, of course I can hear that. That's 1372 01:15:08.680 --> 01:15:09.680 the most annoying thing. 1373 01:15:09.800 --> 01:15:11.239 You hear people out way off. 1374 01:15:11.359 --> 01:15:14.439 There's people driving off the road right now. I don't 1375 01:15:14.439 --> 01:15:15.920 hear anything. 1376 01:15:15.960 --> 01:15:18.079 Wait, you didn't hear it. 1377 01:15:18.279 --> 01:15:21.239 Play it again, my god, it's play it again. 1378 01:15:21.279 --> 01:15:25.119 It's nails ready ready? 1379 01:15:27.000 --> 01:15:27.439 Yeah? 1380 01:15:27.479 --> 01:15:31.840 Oh my yeah, that's come on, Nails on a chalkboard. Wait, wait, 1381 01:15:31.960 --> 01:15:35.039 hold on, hold on, you guys. You guys are doing 1382 01:15:35.039 --> 01:15:38.399 a belated April Fool's joke. Here's what I want you 1383 01:15:38.439 --> 01:15:42.600 to do, Dmitri, Dmitri. I want you to say, when 1384 01:15:42.640 --> 01:15:48.000 you start the sound, start okay, start. 1385 01:15:51.560 --> 01:15:51.880 Stop. 1386 01:15:52.000 --> 01:15:55.680 I don't hear anything. Can you hear it through? 1387 01:15:55.960 --> 01:15:57.560 Can you you can hear a dragon? 1388 01:15:57.680 --> 01:15:57.760 Right? 1389 01:15:57.880 --> 01:15:59.039 Yes, I can certainly hear it. 1390 01:15:59.159 --> 01:16:05.960 I mean listeners have to be one. 1391 01:16:03.560 --> 01:16:07.720 Last time, she's pointed out my speakers in the other 1392 01:16:07.760 --> 01:16:08.319 part of the phone. 1393 01:16:08.359 --> 01:16:12.960 Here comes start a horrible sound. 1394 01:16:13.039 --> 01:16:17.720 Dude, stop, there's no sound. The youtubb's here at Tom. 1395 01:16:17.760 --> 01:16:19.000 They're like, please stop it. 1396 01:16:19.119 --> 01:16:21.079 That's terrible, It's horrible. 1397 01:16:21.439 --> 01:16:24.880 Come on, YouTubers. So Tom. 1398 01:16:24.960 --> 01:16:25.039 So. 1399 01:16:25.800 --> 01:16:27.720 You know, over the past few weeks, I've called a 1400 01:16:27.760 --> 01:16:30.920 couple of Honda dealerships, and the one that really stopped 1401 01:16:31.000 --> 01:16:33.920 the stepped up to the plate and jumped into action 1402 01:16:34.600 --> 01:16:36.000 was a gentleman by the name of DEEPN. 1403 01:16:36.039 --> 01:16:38.800 Bolton. He's the assistant service manager at myle High Honda. 1404 01:16:39.720 --> 01:16:41.800 So we made an appointment to come and see him 1405 01:16:41.840 --> 01:16:45.520 and drop off the car today and mister Bolton actually 1406 01:16:45.560 --> 01:16:49.239 took a step that I didn't even expect. In anticipation 1407 01:16:49.359 --> 01:16:52.600 of Christy having to leave her car with him. He 1408 01:16:52.720 --> 01:16:55.960 arranged for a no charge loaner Honda for her to 1409 01:16:56.000 --> 01:16:58.520 take home for as long as it takes for them 1410 01:16:58.520 --> 01:17:01.960 to figure out and fix this problem. So myle i Honda, man, 1411 01:17:02.000 --> 01:17:04.439 my head is off to them. Oh and by the way, they. 1412 01:17:04.319 --> 01:17:07.239 Have really did they figure anything out yet? 1413 01:17:07.439 --> 01:17:09.159 Well here's what So here's what we did. 1414 01:17:11.359 --> 01:17:14.000 Yes, go ahead, Devon, Devon and Christie and I from 1415 01:17:14.039 --> 01:17:18.039 Myleha Honda went for a drive in that car and 1416 01:17:18.600 --> 01:17:23.279 he heard the sound every single time I heard it. 1417 01:17:23.439 --> 01:17:27.319 So there is absolutely no question in his mind or anybody. 1418 01:17:27.840 --> 01:17:32.000 Mark had. Mark uses an expression that I'm going to 1419 01:17:32.079 --> 01:17:35.960 borrow right now. Mark, you know what I'm going to say. 1420 01:17:36.560 --> 01:17:39.319 Let's see, I've got a lot of them. It is 1421 01:17:39.359 --> 01:17:40.560 the nut behind the wheel. 1422 01:17:42.520 --> 01:17:45.600 Well, in this case, it was some diode under the hood, 1423 01:17:48.640 --> 01:17:52.680 so he said. So he he's he hasn't had this 1424 01:17:52.760 --> 01:17:57.319 complaint before, but he recognizes that the problem exists. So 1425 01:17:57.560 --> 01:18:01.359 he has a really great resource within Honda of America 1426 01:18:01.760 --> 01:18:04.680 and it's called tech Line, and he said it's staffed 1427 01:18:04.720 --> 01:18:08.600 with retired master mechanics and people of that nature. So 1428 01:18:08.720 --> 01:18:10.600 he says that at this point there is no need 1429 01:18:10.640 --> 01:18:12.720 for him to even turn it over to a mechanic. 1430 01:18:13.560 --> 01:18:17.600 So he's going to contact Honda and get technical guidance 1431 01:18:17.720 --> 01:18:20.159 from them on what to do next. 1432 01:18:20.960 --> 01:18:22.239 So I think that men. 1433 01:18:22.479 --> 01:18:24.439 So I think over the next few days we're going 1434 01:18:24.520 --> 01:18:27.079 to have further follow ups and further updates from Mile 1435 01:18:27.159 --> 01:18:27.760 High Honda. 1436 01:18:29.159 --> 01:18:31.560 So that's all right, Thank you very much, Deputy d 1437 01:18:31.880 --> 01:18:34.680 You're welcome. All right, So we we have more coming 1438 01:18:34.760 --> 01:18:38.239 up on the Troubleshooter Show. It's important that when you 1439 01:18:38.319 --> 01:18:41.399 learn stuff on the show, you also contribute and teach 1440 01:18:41.479 --> 01:18:44.680 us stuff. So here's what I'm going to ask today. 1441 01:18:44.840 --> 01:18:47.600 We haven't done this in a while. I want to 1442 01:18:47.640 --> 01:18:51.560 know gems and pearls of wisdom, and I'll even give 1443 01:18:51.600 --> 01:18:55.399 away a prize for the best. I want to hear 1444 01:18:55.479 --> 01:18:59.359 pearls of wisdom from our listeners. Now, my morons, you 1445 01:18:59.399 --> 01:19:01.520 can do it on the YouTube chat, but I'd rather 1446 01:19:01.560 --> 01:19:04.920 you call the show. By the way, kinh Hoome Solutions. 1447 01:19:05.039 --> 01:19:17.319 Remember they have painting now Kinahpainting pros Kwindows dot com. 1448 01:19:17.520 --> 01:19:20.800 Go with a sure thing Denver's Best roofer Excel Roofing 1449 01:19:20.880 --> 01:19:23.560 dot com. You don't pay a cent until you're content. 1450 01:19:26.920 --> 01:19:30.119 Time for an insurance check up free no obligation. In comparison, 1451 01:19:30.239 --> 01:19:33.800 call Compass Insurance paying too much your coverage at dozens 1452 01:19:33.800 --> 01:19:36.520 of insurance companies find out now three oh three seven 1453 01:19:36.520 --> 01:19:38.880 to seven to one. Help. You'll think you're his only 1454 01:19:39.000 --> 01:19:41.439 customer when you choose Frank durand the real estate man 1455 01:19:41.520 --> 01:19:44.960 dot Com to list your home with Remax Alliance three 1456 01:19:44.960 --> 01:19:52.560 oh three nine two zero sixteen twenty two. Tom Martino, 1457 01:19:52.640 --> 01:19:56.479 you're troubleshooter three O three seven one three talks seven 1458 01:19:56.520 --> 01:19:58.960 one three each two five to five, Tunica, what's going 1459 01:19:59.000 --> 01:20:00.640 on with your landlord? What's happening? 1460 01:20:03.800 --> 01:20:08.479 Yes, his my land lord. We have a rocky start 1461 01:20:08.760 --> 01:20:12.279 through the gas exposure, but our lease was ending on 1462 01:20:12.960 --> 01:20:17.000 May fifteenth or this year, and we still have not 1463 01:20:17.199 --> 01:20:20.880 been offered like the option to We knew or she 1464 01:20:21.079 --> 01:20:23.359 was going to raise the rent on whatever we're going 1465 01:20:23.439 --> 01:20:26.000 to do. But I was just kind of wondering what 1466 01:20:26.560 --> 01:20:28.800 steps should I take because we're really not in the 1467 01:20:28.800 --> 01:20:30.359 position to move at this time. 1468 01:20:31.359 --> 01:20:34.359 And Okay, when you said, let me ask you a question, 1469 01:20:35.000 --> 01:20:36.920 I want to ask a question because this is really 1470 01:20:36.920 --> 01:20:40.880 important and you do have certain rights. When you said 1471 01:20:40.920 --> 01:20:43.680 you got off to a rocky start, what do you mean. 1472 01:20:45.279 --> 01:20:49.239 Well, We moved in and the fireplace wasn't working, and 1473 01:20:49.399 --> 01:20:52.920 she said, when my previous tennis never used it. This 1474 01:20:53.159 --> 01:20:56.680 was May the fourteenth of last year, twenty twenty four, 1475 01:20:57.640 --> 01:20:59.880 and we, okay, got it and we noticed the fire 1476 01:21:00.359 --> 01:21:03.359 We noticed the fireplace wasn't working. We tried it. She said, well, 1477 01:21:03.760 --> 01:21:06.840 it never worked. My previous ten has never used it, but. 1478 01:21:08.640 --> 01:21:09.279 Not knowingly. 1479 01:21:09.319 --> 01:21:11.800 We was exposed to jass. But the firetec had of 1480 01:21:11.880 --> 01:21:15.039 gassic and the furnace. So we called Excel Energy and 1481 01:21:15.039 --> 01:21:18.239 they turned everything off. Her parmer she hired took eight 1482 01:21:18.319 --> 01:21:21.239 days to get everything fixed. We still don't have the fireplace, 1483 01:21:21.279 --> 01:21:24.359 which is okay because it's not in the least I guess. 1484 01:21:24.439 --> 01:21:27.520 But they got the heat running and the tax sell 1485 01:21:27.600 --> 01:21:30.880 approved it when they came back out. But ever since then, 1486 01:21:31.079 --> 01:21:33.720 she's just been like really hateful, and she's been like 1487 01:21:33.800 --> 01:21:37.199 really mean and barely one to sixteen. 1488 01:21:37.319 --> 01:21:40.399 Okay, I get it. So you think she wants to 1489 01:21:40.399 --> 01:21:41.760 get rid of you, and you want to know what 1490 01:21:41.800 --> 01:21:42.520 your rights are? 1491 01:21:43.920 --> 01:21:44.960 Yes, sir, that's it. 1492 01:21:45.279 --> 01:21:52.159 Yes, Okay, let's find out cool. I'm gonna call I'm 1493 01:21:52.159 --> 01:21:57.000 gonna call our real estate attorney and ask them. I know, 1494 01:21:57.039 --> 01:21:58.720 the more you live there, the more rights you have, 1495 01:21:58.800 --> 01:22:00.800 but we'll figure it out. I don't know what right 1496 01:22:00.880 --> 01:22:04.640 you have, but right right now, it's really weird because 1497 01:22:05.119 --> 01:22:08.319 the laws have changed so much. So let's find out 1498 01:22:08.319 --> 01:22:12.319 what renewal rights you have and what cancelation rights the 1499 01:22:12.439 --> 01:22:15.960 landlord has. Have you tried reaching out to the landlord? 1500 01:22:18.239 --> 01:22:21.960 You know, I haven't reached out to her, said like, 1501 01:22:22.119 --> 01:22:24.800 you know, we needed a fixture for the toilet, but no, 1502 01:22:25.039 --> 01:22:29.039 I have not because we you know, we've just been 1503 01:22:29.079 --> 01:22:31.640 going through issues. You know, here she wanted to payment 1504 01:22:31.720 --> 01:22:34.159 one way and now she wanted us to do a 1505 01:22:34.159 --> 01:22:37.800 different way. You know, it's just really unprofessional, she says, 1506 01:22:38.039 --> 01:22:41.640 really roots I choose really not to talk to her, 1507 01:22:41.720 --> 01:22:45.159 but I was going to send her an email say hey, 1508 01:22:45.199 --> 01:22:45.920 what's going on? 1509 01:22:46.119 --> 01:22:46.840 Like, no, we. 1510 01:22:48.439 --> 01:22:52.239 This is see right because I know that the least 1511 01:22:52.279 --> 01:22:54.800 that we signed is through Zillow, and it did measure 1512 01:22:55.279 --> 01:22:57.479 that after the twelve month term it will go to 1513 01:22:57.560 --> 01:23:01.359 a month a month, and that neither landlord or Timmant 1514 01:23:01.359 --> 01:23:03.920 has you know, they don't have the obligation to remove. 1515 01:23:04.600 --> 01:23:07.640 But right it doesn't wait wait wait, wait, wait, it 1516 01:23:07.680 --> 01:23:08.640 doesn't work that way. 1517 01:23:08.680 --> 01:23:12.720 In Colorado. We got to get O'Brien on, Yeah, things 1518 01:23:12.760 --> 01:23:13.880 have changed right now. 1519 01:23:14.760 --> 01:23:18.479 Things have changed right now, So hold on, hold on, Twineka. 1520 01:23:18.720 --> 01:23:21.159 We're going to get an expert on three oh three 1521 01:23:21.840 --> 01:23:24.199 seven to one three talk seven one three eight two 1522 01:23:24.319 --> 01:23:28.199 five five. David, you have a question about an F 1523 01:23:27.800 --> 01:23:31.479 one body shop. Go ahead, David, we have Kevin has 1524 01:23:31.520 --> 01:23:33.560 shared an autotech with us. He can chime in. What's 1525 01:23:33.600 --> 01:23:33.960 going on. 1526 01:23:35.640 --> 01:23:38.600 Well, I got hit the other day kind of on 1527 01:23:38.640 --> 01:23:43.760 the the on my driver's side, right by my tailgate, 1528 01:23:44.640 --> 01:23:48.840 and I'm trying to talk to some body shops about Okay, 1529 01:23:49.399 --> 01:23:53.279 how are you guys going to repair this, whether it's 1530 01:23:53.560 --> 01:23:57.720 a bed replacement or a panel replacement, And nobody wants 1531 01:23:57.800 --> 01:24:01.880 to talk to me without talking to see about my 1532 01:24:02.119 --> 01:24:06.760 insurance and and all that from Progressive because the guy 1533 01:24:06.800 --> 01:24:09.960 that hit me is obviously paying for it, but nobody 1534 01:24:10.000 --> 01:24:12.760 will talk to me about the repair on what the 1535 01:24:12.800 --> 01:24:15.159 proper way to do it is. 1536 01:24:15.560 --> 01:24:18.760 Well, that's ridiculous. You mean to tell me you can't 1537 01:24:18.800 --> 01:24:20.439 call up and say, hey man, I got a few 1538 01:24:20.520 --> 01:24:24.399 questions about this before I commit. They won't explain. 1539 01:24:24.039 --> 01:24:25.680 It to you. 1540 01:24:25.720 --> 01:24:25.960 No. 1541 01:24:26.079 --> 01:24:31.000 I've talked to euro Collision, I've talked to Caliber Collision, 1542 01:24:31.800 --> 01:24:35.880 and none of them will. We'll say, yeah, bring it in, 1543 01:24:36.039 --> 01:24:37.039 let's talk about it. 1544 01:24:40.439 --> 01:24:43.920 That's ridiculous. I can't tell you why I mean that 1545 01:24:43.920 --> 01:24:51.840 that that's ridiculous, Kevin. What reason would they have not 1546 01:24:51.920 --> 01:24:54.199 to even not to answer a stupid question. 1547 01:24:54.359 --> 01:24:56.239 They may not know, the guys that he's talking to 1548 01:24:56.399 --> 01:24:58.239 may not know the procedure to fix it, and they're 1549 01:24:58.279 --> 01:25:00.920 just not telling them. But you know, I would go 1550 01:25:01.000 --> 01:25:03.439 somewhere else obviously, because if you can't get a straight 1551 01:25:03.479 --> 01:25:05.439 answer to start, it's never going to get any better. 1552 01:25:06.760 --> 01:25:08.680 Well that's what I thought too, So that's why I 1553 01:25:08.680 --> 01:25:09.920 had to call the trouble shooter. 1554 01:25:10.119 --> 01:25:11.720 Sure, what part of town? 1555 01:25:11.920 --> 01:25:12.239 Okay? 1556 01:25:12.359 --> 01:25:17.479 So I'm down in Highland's Ranch Centennial Littleton area. 1557 01:25:18.439 --> 01:25:20.199 Yeah, there's the body shop we use for all our 1558 01:25:20.199 --> 01:25:23.680 stuff as Perry and Terry. They're they're off a cult. 1559 01:25:23.880 --> 01:25:26.680 Yeah, they're good people. They have been around for years. 1560 01:25:26.720 --> 01:25:27.239 Yeah they have. 1561 01:25:27.359 --> 01:25:29.319 So you may just give them a call and explain 1562 01:25:29.399 --> 01:25:30.840 what's going on and see if they'll talk to you 1563 01:25:30.880 --> 01:25:33.199 about it before you go there. But I don't see 1564 01:25:33.199 --> 01:25:33.880 why they wouldn't. 1565 01:25:35.119 --> 01:25:38.199 Okay, do you know what the fix would ye? 1566 01:25:38.319 --> 01:25:40.800 See, Well, it would depend on the damage. I that 1567 01:25:40.920 --> 01:25:42.560 I don't know. I don't get into the body work 1568 01:25:42.600 --> 01:25:43.000 too much. 1569 01:25:43.680 --> 01:25:47.439 They'd have to hold on where where David, David, where 1570 01:25:47.560 --> 01:25:48.039 was it hit? 1571 01:25:49.560 --> 01:25:49.840 It was? 1572 01:25:49.960 --> 01:25:54.359 It was hit in the back quarter panel right in 1573 01:25:54.479 --> 01:25:58.720 front of where my my pail light is on the 1574 01:25:58.800 --> 01:25:59.680 driver's side. 1575 01:25:59.840 --> 01:26:02.960 Oh okay, got it, got it, got it? So that 1576 01:26:03.119 --> 01:26:06.479 sounds like a rear quarter panel. What what do you 1577 01:26:06.560 --> 01:26:09.319 specifically want to know? Anyway, if his insurance is paying, 1578 01:26:09.600 --> 01:26:11.800 you want to make sure you're getting the right repairs 1579 01:26:11.920 --> 01:26:13.039 and not aftermarket. 1580 01:26:14.239 --> 01:26:16.800 Well I want to know is are they just going 1581 01:26:16.880 --> 01:26:20.319 to cut that aluminum out and well the new piece 1582 01:26:20.439 --> 01:26:23.760 in or is it a panel that's the right six 1583 01:26:24.760 --> 01:26:25.079 or what? 1584 01:26:25.199 --> 01:26:29.399 Well? Hold on, hold on if you go to any 1585 01:26:29.439 --> 01:26:32.520 good body shop, I mean, I know what you're saying. 1586 01:26:32.560 --> 01:26:34.840 You want to know. Wait a minute, are you drilling 1587 01:26:34.840 --> 01:26:38.840 and filling or are you really replacing the quarter panel? 1588 01:26:39.039 --> 01:26:45.079 So it's the left rear quarter panel, yes, sir, And 1589 01:26:45.199 --> 01:26:48.800 usually Kevin, that's a remove and replace. 1590 01:26:48.520 --> 01:26:50.680 Right, Typically it is on a bed, Yeah, because not 1591 01:26:50.760 --> 01:26:54.319 enough metal there to fill. But yeah, he's right and 1592 01:26:54.399 --> 01:26:56.600 trying to get that done first though, because he doesn't 1593 01:26:56.600 --> 01:26:58.680 want a half job, you know, to find out a 1594 01:26:58.760 --> 01:27:01.399 year later that there's a issue with the repairs. It 1595 01:27:01.520 --> 01:27:02.920 was absolutely right to ask. 1596 01:27:03.880 --> 01:27:06.479 I can't believe that you can't find a shop to 1597 01:27:06.479 --> 01:27:09.640 answer your question. Know really, what do they say? Did 1598 01:27:09.680 --> 01:27:13.039 you ever did you ever actually make an appointment for 1599 01:27:13.079 --> 01:27:13.680 an estimate? 1600 01:27:15.079 --> 01:27:15.880 No, they wouldn't. 1601 01:27:16.000 --> 01:27:21.279 They wouldn't let me set an appointment until the progressive 1602 01:27:21.399 --> 01:27:25.359 to give me an estimate. Then then they said, bring 1603 01:27:25.399 --> 01:27:27.600 it in then then we can look at it and 1604 01:27:27.720 --> 01:27:30.199 start fixing it. I said, well, I don't want that. 1605 01:27:30.279 --> 01:27:33.159 I want to know what the correct fix is first, 1606 01:27:33.479 --> 01:27:39.119 and they well, well, not until we get your adjuster paperwork. 1607 01:27:40.279 --> 01:27:43.560 I don't know, I listen. I don't know what motivates 1608 01:27:43.600 --> 01:27:46.760 people anymore. I mean, David, what I can say. We 1609 01:27:46.800 --> 01:27:48.880 can't wave a magic want and make an answer. 1610 01:27:49.439 --> 01:27:52.680 But I understand That's why I thought, you know, being Friday, 1611 01:27:52.920 --> 01:27:55.720 I was waiting to exy to give you guys. 1612 01:27:55.479 --> 01:27:58.880 We can probably we can probably give you an answer 1613 01:27:59.239 --> 01:28:03.520 if you send us pictures, we can get an expert. Yeah, okay, 1614 01:28:03.600 --> 01:28:05.119 I think I know why they won't tell him. 1615 01:28:05.520 --> 01:28:08.199 They're probably waiting for the insurance company adjuster to come 1616 01:28:08.239 --> 01:28:11.600 over and approve the repair in whatever way the insurance 1617 01:28:11.640 --> 01:28:13.479 company wants to conduct the repair. 1618 01:28:13.920 --> 01:28:16.159 So they don't want to waste time, is what you're saying. 1619 01:28:16.960 --> 01:28:19.039 Yeah, they're not going to say we're going to replace it, 1620 01:28:19.079 --> 01:28:21.439 only to find out that Progressive is going to say, no, 1621 01:28:21.479 --> 01:28:23.800 we're not replacing it. We'd rather save four dollars and 1622 01:28:23.880 --> 01:28:25.199 have you guys fill it with bondo. 1623 01:28:26.439 --> 01:28:27.319 No, I know what you mean. 1624 01:28:27.640 --> 01:28:29.479 That's why he needs to find a shop that's going 1625 01:28:29.520 --> 01:28:35.359 to work for him, not for the insurance company. Exactly right, Yes, yeah, 1626 01:28:35.479 --> 01:28:37.560 give him a call a Perry there. Just just ask 1627 01:28:37.640 --> 01:28:39.640 the question over the phone and see what they say. 1628 01:28:39.880 --> 01:28:41.239 You know, they'll set an appointment. 1629 01:28:41.239 --> 01:28:41.359 Come. 1630 01:28:41.399 --> 01:28:44.319 Look, they're they're straight shooters. We've we've never had issues 1631 01:28:44.319 --> 01:28:44.640 with them. 1632 01:28:45.920 --> 01:28:53.800 Okay, okay, I appreciate your time, no problem. Listen to Twinika. 1633 01:28:54.960 --> 01:28:58.279 Tell me China, Brad O'Brien is not available. 1634 01:29:01.920 --> 01:29:03.840 That is true? 1635 01:29:04.439 --> 01:29:06.560 Well, when will he be available or is he not 1636 01:29:06.600 --> 01:29:12.800 available today? He is not available today, Twinko? When when 1637 01:29:12.920 --> 01:29:16.079 is your lease up? Did you say in May? We 1638 01:29:16.520 --> 01:29:18.960 got to get you. We have to get you back on. 1639 01:29:19.840 --> 01:29:21.840 I'm going to do some research store in the break, 1640 01:29:22.800 --> 01:29:26.000 but we need to get you back on with our 1641 01:29:26.119 --> 01:29:29.399 attorney to give you some advice. Kashina will get your 1642 01:29:29.479 --> 01:29:31.640 number and stuff off the air and we'll get you 1643 01:29:31.720 --> 01:29:35.439 back on three oh three seven one three talks seven 1644 01:29:35.520 --> 01:29:43.000 one three a two five five. Go with a sure 1645 01:29:43.119 --> 01:29:46.560 thing Denver's best roofer Excel Roofing dot com. You don't 1646 01:29:46.560 --> 01:29:52.600 pay a cent until your content time for an insurance 1647 01:29:52.680 --> 01:29:56.800 checkup free, no obligation. In comparison, call Compass Insurance paying 1648 01:29:56.840 --> 01:29:59.800 too much your coverage at dozens of insurance companies find 1649 01:29:59.800 --> 01:30:02.239 out now three oh three seven seven to one help. 1650 01:30:02.399 --> 01:30:05.039 You'll think you're his only customer when you choose Frank 1651 01:30:05.119 --> 01:30:07.560 durand the real estate Man dot com to list your 1652 01:30:07.600 --> 01:30:10.760 home with Remax Alliance. Three oh three nine two zero 1653 01:30:10.840 --> 01:30:12.039 sixteen twenty two. 1654 01:30:17.560 --> 01:30:20.119 All right, three oh three seven one three a two 1655 01:30:20.119 --> 01:30:22.920 five five. Three oh three Martino, Hey, you should join us. 1656 01:30:23.000 --> 01:30:24.560 We do have a lot of fun and I mean it, 1657 01:30:24.680 --> 01:30:27.760 a lot of fun on our YouTube channel and a 1658 01:30:27.760 --> 01:30:30.880 lot of serious conversations as well. So you go to YouTube, 1659 01:30:30.880 --> 01:30:35.279 you type in trouble Shooter Network and you'll find us, 1660 01:30:35.279 --> 01:30:37.279 and during the commercials you can hear us. And I 1661 01:30:37.359 --> 01:30:39.640 want to say this too. This number works on and 1662 01:30:39.680 --> 01:30:42.920 off the air. Three oh three Martino, three zero three Martino. 1663 01:30:42.960 --> 01:30:46.119 You can always email us it help at troubleshooter dot com. 1664 01:30:46.119 --> 01:30:47.159 But what's going on with you? 1665 01:30:47.279 --> 01:30:49.119 Miles? 1666 01:30:49.520 --> 01:30:51.479 Oh? Hey, Mark, thanks for taking my car. 1667 01:30:51.560 --> 01:30:51.960 You got it? 1668 01:30:52.319 --> 01:30:55.600 Actually I spoke to you the other day about bridgeloons. 1669 01:30:56.000 --> 01:30:56.680 Oh yeah, man. 1670 01:30:58.319 --> 01:31:02.319 Yeah, So anyway, I think I got that figured out, 1671 01:31:02.680 --> 01:31:09.319 but my situation has chased. So, uh, my mother, I 1672 01:31:09.600 --> 01:31:12.760 have power of attorney, both durable and medical, or both 1673 01:31:12.800 --> 01:31:16.359 of my parents. I am the first on my father. 1674 01:31:17.399 --> 01:31:21.920 I am the second on the second on my father, 1675 01:31:22.319 --> 01:31:25.279 my mother is first. I am second, and then I 1676 01:31:25.319 --> 01:31:28.279 am the first on my mother, but I'm the first 1677 01:31:28.359 --> 01:31:31.000 on all of their durable power of attorney. 1678 01:31:31.119 --> 01:31:31.479 Got it. 1679 01:31:32.399 --> 01:31:36.359 We're trying to put them into an assistant living place. 1680 01:31:37.279 --> 01:31:39.399 We went and toured a couple of yesterday and we 1681 01:31:39.439 --> 01:31:44.039 found one that we really liked. And now my mother 1682 01:31:44.279 --> 01:31:49.439 is being very resistant and now she's resisting. 1683 01:31:49.439 --> 01:31:53.840 Hey Miles, Miles, when you Miles, when you say, when 1684 01:31:53.880 --> 01:31:55.680 you say your mom is resistant? 1685 01:31:56.159 --> 01:31:58.560 Were they going to go to assisted living. 1686 01:31:58.319 --> 01:32:03.640 Together in and like the ones that take couples and families. 1687 01:32:04.279 --> 01:32:08.640 Yeah, it's a beautiful facility. It's a two bedroom apartment 1688 01:32:08.800 --> 01:32:10.720 and it's really nice. 1689 01:32:12.079 --> 01:32:14.239 And how old is your mom. 1690 01:32:15.079 --> 01:32:19.479 My mom's eighty nine and my father is ninety one. 1691 01:32:19.880 --> 01:32:27.159 And how does your how does your mom express her resistance? 1692 01:32:29.319 --> 01:32:33.880 Well, she was, like I said, she was all for it, 1693 01:32:34.720 --> 01:32:36.640 and so we're like, okay, we're going to do this. 1694 01:32:37.319 --> 01:32:40.439 And you know, we toured the places that were great. 1695 01:32:40.479 --> 01:32:44.439 She liked the places, but she is very resistant about 1696 01:32:44.479 --> 01:32:46.880 selling your house. That's the only way that we can 1697 01:32:46.960 --> 01:32:52.000 pay for it. And her cognitive skills. I forget the 1698 01:32:52.079 --> 01:32:56.640 test did they do that? Was it mi IB or 1699 01:32:56.720 --> 01:33:00.279 something like that. She came in at a night tea 1700 01:33:01.399 --> 01:33:04.520 which is moderate to severe. 1701 01:33:06.000 --> 01:33:09.239 Yeah, but you mot Miles, none of that matters unless 1702 01:33:09.239 --> 01:33:12.960 it's made official. And here's having a power of attorney 1703 01:33:13.600 --> 01:33:17.279 has nothing to do with taking control of your parents. 1704 01:33:17.319 --> 01:33:19.399 You can't do that simply because you have a power 1705 01:33:19.399 --> 01:33:24.079 of attorney. What you need is is guardianship. If okay, 1706 01:33:24.079 --> 01:33:27.079 But here's what I want to know. Your dad and 1707 01:33:27.159 --> 01:33:30.199 your mom. You say it's your mom's home or do 1708 01:33:30.279 --> 01:33:31.159 they own it together? 1709 01:33:32.800 --> 01:33:35.479 They own it together. My father is ninety one with 1710 01:33:35.600 --> 01:33:41.760 Parkinson's and severe dementia. He is definitely he's out there. 1711 01:33:43.319 --> 01:33:46.960 He doesn't know what day it is. The wander wanders 1712 01:33:47.000 --> 01:33:48.680 he uh, But who. 1713 01:33:48.479 --> 01:33:52.199 Okay, so your mom does your mom have guardianship over 1714 01:33:52.279 --> 01:33:54.119 him or was he never ruled incompetent? 1715 01:33:56.039 --> 01:34:01.439 He was never really ruled incompetent because it was just 1716 01:34:01.600 --> 01:34:03.560 kind of a given. You know, she was taking care 1717 01:34:03.600 --> 01:34:07.800 of him, she was this caregiver, and so they never 1718 01:34:07.920 --> 01:34:13.119 really officially ruled him incompetent. But it would be very 1719 01:34:13.119 --> 01:34:16.479 easy to do. And trust me, Tom, this is the 1720 01:34:16.600 --> 01:34:20.560 last the last thing I want to do. I don't 1721 01:34:20.600 --> 01:34:22.920 want to do this, but well you. 1722 01:34:22.920 --> 01:34:27.000 Have to listen, then you need What you need to 1723 01:34:27.039 --> 01:34:31.039 do is simply do you are allowed to do a 1724 01:34:31.079 --> 01:34:35.920 court action to challenge your mom's a viability and take 1725 01:34:35.960 --> 01:34:41.800 over as a guardian. And now we can get okay, 1726 01:34:42.319 --> 01:34:44.319 I'm going to get one of our attorneys on to 1727 01:34:44.399 --> 01:34:48.880 talk about it, and I want you to hold on. 1728 01:34:49.079 --> 01:34:54.479 I think we're going to get let's get McKenzie. Dan McKenzie. 1729 01:34:55.239 --> 01:34:59.359 He is Mackenzie Law, he's an estate planning attorney. Let's 1730 01:34:59.399 --> 01:35:03.640 talk to him first. There are ways to go about it. 1731 01:35:03.640 --> 01:35:09.880 It's it's always very very difficult, very difficult. And if 1732 01:35:09.920 --> 01:35:12.640 they feel that you're trying to take advantage of them, 1733 01:35:12.920 --> 01:35:20.720 they're going to get a they're going to get a 1734 01:35:20.720 --> 01:35:26.399 an independent person appointed with the courts. So, hang on 1735 01:35:26.439 --> 01:35:28.479 a sec did you want to say something, go ahead, Pat, 1736 01:35:28.479 --> 01:35:29.319 What were you going to say? 1737 01:35:29.479 --> 01:35:33.000 Well, we had just had this done okay with one 1738 01:35:33.000 --> 01:35:33.680 of our clients. 1739 01:35:33.800 --> 01:35:36.079 Okay. So in other words, did one of the kids 1740 01:35:36.079 --> 01:35:37.399 want to take over for the parents? 1741 01:35:37.439 --> 01:35:37.720 They did? 1742 01:35:38.079 --> 01:35:40.680 They did. So what did they do? They filed with 1743 01:35:40.720 --> 01:35:41.079 the court. 1744 01:35:41.279 --> 01:35:43.560 They did. They went to the attorney and she was 1745 01:35:43.840 --> 01:35:44.960 she actually we talked about it. 1746 01:35:45.800 --> 01:35:47.680 Yeah, you're on, but I mean, don't use names, just 1747 01:35:47.760 --> 01:35:48.640 use situations. 1748 01:35:48.720 --> 01:35:48.880 Right. 1749 01:35:49.039 --> 01:35:55.840 So she had been contacted through an Engelbert. 1750 01:35:56.479 --> 01:36:00.840 Oh, so this was a scam where someone was sending money, 1751 01:36:00.840 --> 01:36:02.039 and so what did the kid do? 1752 01:36:02.399 --> 01:36:05.319 And so finally the kid went to the attorney and said, 1753 01:36:05.399 --> 01:36:09.479 my mom's being relationship scammed on this thing and she's 1754 01:36:10.039 --> 01:36:11.399 sending money to these people. 1755 01:36:11.520 --> 01:36:14.039 So she got the court's ruled yes. 1756 01:36:13.920 --> 01:36:16.479 And the client had gotten in touch with me asking 1757 01:36:16.520 --> 01:36:19.800 for lots of money to go, and I'd been in 1758 01:36:19.880 --> 01:36:21.239 contact with the daughter and. 1759 01:36:21.239 --> 01:36:23.920 So and so the daughter filed a motion with the 1760 01:36:24.000 --> 01:36:27.560 courts right and took control and got letters of temporary 1761 01:36:27.560 --> 01:36:31.560 guardianship and temporary conservatorship that are in place. And did 1762 01:36:31.560 --> 01:36:33.119 the mom challenge it at all. 1763 01:36:33.319 --> 01:36:36.000 She's not happy about it. But there was a judge. 1764 01:36:36.079 --> 01:36:36.920 It's a judge order. 1765 01:36:36.960 --> 01:36:39.239 I mean, it was presented to the court and the 1766 01:36:39.279 --> 01:36:41.279 evidence was presented and the judge signed off. 1767 01:36:41.199 --> 01:36:43.279 On how much did he now the daughter's in charge? 1768 01:36:43.439 --> 01:36:46.199 How much did the scammer get from the poor lady pat? 1769 01:36:47.880 --> 01:36:51.840 I think around just shy of one hundred thousand. 1770 01:36:52.159 --> 01:36:54.520 And I'll tell you what mark she was about ready 1771 01:36:54.560 --> 01:36:57.960 to pull just shy of a half half. 1772 01:36:57.800 --> 01:36:58.960 Million, half a million. 1773 01:36:59.079 --> 01:36:59.800 Unbelievable. 1774 01:37:00.000 --> 01:37:03.000 Oh and we finally got it into place prior to 1775 01:37:03.039 --> 01:37:04.680 that going on, and I mean, it was scrambling to 1776 01:37:04.720 --> 01:37:07.039 get this done, but we got it done. And so 1777 01:37:07.079 --> 01:37:08.520 that's how you can go about it. And that's a 1778 01:37:08.600 --> 01:37:12.560 terrible thing. I mean, it's just awful what folks will do. 1779 01:37:13.560 --> 01:37:17.920 Wow. Let's Dan McKenzie's on the line. McKenzie law, a 1780 01:37:18.000 --> 01:37:26.840 state planning attorney. Hey, Dan, Hey, So listen, Miles was 1781 01:37:26.880 --> 01:37:28.880 about he's helping his parents. 1782 01:37:29.159 --> 01:37:30.439 He has power of attorney. 1783 01:37:31.199 --> 01:37:35.399 He's helping his parents sell their home and move into 1784 01:37:35.399 --> 01:37:39.319 an assisted living facility that they picked out. But now 1785 01:37:39.359 --> 01:37:44.359 the mom is having second thoughts, and he says the 1786 01:37:44.479 --> 01:37:49.560 dad basically is totally incompetent, and he thinks the mom 1787 01:37:49.720 --> 01:37:53.720 is too. How can he make them sell the house 1788 01:37:54.359 --> 01:37:58.239 and move? At that age this becomes a very delicate topic. 1789 01:37:58.640 --> 01:38:00.800 How do you navigate that? Dan? 1790 01:38:01.239 --> 01:38:01.800 Yeah? 1791 01:38:02.000 --> 01:38:03.920 Is that related to the conversation you were just having 1792 01:38:04.199 --> 01:38:05.560 about the ya? 1793 01:38:06.359 --> 01:38:06.680 Okay? 1794 01:38:07.239 --> 01:38:07.800 Because yes? 1795 01:38:07.880 --> 01:38:08.479 Usually so? 1796 01:38:08.840 --> 01:38:11.479 Yeah, I think Kelly told me there's a power of 1797 01:38:11.520 --> 01:38:13.880 attorney in play that. A power of attorney just says 1798 01:38:13.960 --> 01:38:17.520 you can act on my behalf, but I still can too, 1799 01:38:17.800 --> 01:38:21.479 and you can orally revoke powers of attorney. Actually it 1800 01:38:21.479 --> 01:38:24.680 doesn't take anything fancy, so the person who signed the 1801 01:38:24.720 --> 01:38:27.239 power of attorney really still has full control. They're just 1802 01:38:27.279 --> 01:38:28.760 saying you also can. 1803 01:38:28.680 --> 01:38:29.439 Do stuff for me. 1804 01:38:29.600 --> 01:38:31.720 So if he feels like, look they need to not 1805 01:38:31.880 --> 01:38:35.880 have control anymore. That does require a court order. 1806 01:38:37.479 --> 01:38:41.039 Now, how is that done practically? How is it done? 1807 01:38:42.760 --> 01:38:46.000 You petition the court to have a conservative appointed for 1808 01:38:46.079 --> 01:38:46.920 these I. 1809 01:38:46.840 --> 01:38:49.279 Mean, but you can do that for him, right? Isn't 1810 01:38:49.279 --> 01:38:51.159 that typically how it would be done? 1811 01:38:51.880 --> 01:38:55.520 Yeah, it's not a pleasant process. I will tell you 1812 01:38:55.600 --> 01:38:59.760 that because the courts are appropriately nervous about it, because there, 1813 01:39:00.119 --> 01:39:02.479 in a way a person's right to handle their own affairs, 1814 01:39:02.520 --> 01:39:05.399 So they do. Typically there's going to be a hearing, 1815 01:39:05.960 --> 01:39:08.439 you might need witnesses. Well, you definitely will need witnesses. 1816 01:39:08.520 --> 01:39:12.760 You might need expert witnesses. And if the parents think 1817 01:39:13.399 --> 01:39:15.439 sometimes the person who's the subject of the whole thing 1818 01:39:15.479 --> 01:39:18.239 is sitting there saying no, I'm fine, and they don't 1819 01:39:18.239 --> 01:39:20.680 always win that argument. But they can be there. It 1820 01:39:20.720 --> 01:39:23.039 doesn't mean they're you know, unconscious in the hospital. They 1821 01:39:23.399 --> 01:39:25.800 might be walking around and doing stuff, and that's the 1822 01:39:25.800 --> 01:39:29.399 whole problem. So it's it is a pretty intense process 1823 01:39:29.399 --> 01:39:30.920 actually in a lot of cases. 1824 01:39:32.119 --> 01:39:36.439 Okay, And what happens to the parents? Do they get 1825 01:39:36.479 --> 01:39:39.520 to hire an attorney? You know what? It seems to 1826 01:39:39.560 --> 01:39:43.079 me like it's a little unbalanced if some young aggressive 1827 01:39:43.279 --> 01:39:46.600 I'm not saying that's happening with Miles, but some younger 1828 01:39:46.760 --> 01:39:50.479 aggressive child wants to take control of the finances and 1829 01:39:50.520 --> 01:39:55.319 their parents are the parents, Like who represents the parents 1830 01:39:55.319 --> 01:39:56.119 in these hearings. 1831 01:39:57.000 --> 01:40:00.840 The parents can hire an attorney if they do. I've 1832 01:40:00.880 --> 01:40:04.520 been in that position. If the court is concerned that 1833 01:40:04.600 --> 01:40:07.720 they're not represented, they can point a guardian at item 1834 01:40:07.800 --> 01:40:11.680 who can show up and basically be there to advocate 1835 01:40:11.720 --> 01:40:13.720 and be how it's almost like having the you know, 1836 01:40:13.800 --> 01:40:16.159 public defender appointed if you're in a criminal manner, but 1837 01:40:16.520 --> 01:40:19.279 that yeah, it's a guardian appointed to argue in their behalf. 1838 01:40:21.560 --> 01:40:31.119 Uh huh. So do you have any questions about it? Miles? Okay, 1839 01:40:31.159 --> 01:40:32.600 I have to Miles. 1840 01:40:32.239 --> 01:40:33.359 That I have to. 1841 01:40:34.119 --> 01:40:37.119 I have to explain the whole situation that we are 1842 01:40:37.159 --> 01:40:42.399 in right now, Okay, go ahead. Is that Okay, my 1843 01:40:42.560 --> 01:40:47.199 father at home fell on my mother and she broke 1844 01:40:47.239 --> 01:40:52.960 her ribs, and so they are now in a rehab facility. 1845 01:40:54.439 --> 01:40:59.359 But my mother is good enough to be released, but 1846 01:40:59.439 --> 01:41:03.680 they won't lease because he is in an unsafe environment. 1847 01:41:04.159 --> 01:41:07.159 And we've been trying for years to get them to 1848 01:41:07.199 --> 01:41:09.640 get out of their house. But we have all these 1849 01:41:09.680 --> 01:41:13.600 doctors report saying that they cannot go home in the 1850 01:41:13.640 --> 01:41:17.640 same situation that they're at. And we can hire a 1851 01:41:17.720 --> 01:41:22.520 twenty four hour caregiver, but that's like thirty thousand dollars 1852 01:41:22.760 --> 01:41:25.960 a month, and whereas we can put them into an 1853 01:41:26.000 --> 01:41:29.920 assistant living a really nice place for like ten thousand 1854 01:41:29.960 --> 01:41:30.399 and five. 1855 01:41:31.319 --> 01:41:37.239 And Dan McKenzie, Yeah, Dan McKenzie, would that be worth taking, 1856 01:41:37.319 --> 01:41:41.079 you know, trying to make a run for guardianship. 1857 01:41:41.520 --> 01:41:44.720 Yeah, yeah, I mean that's probably what's Okay, happened, and 1858 01:41:44.800 --> 01:41:47.800 that's you know, the family doesn't do it. The hospital 1859 01:41:47.880 --> 01:41:51.119 might have already contacted Adult Protective Services. Sometimes they can 1860 01:41:51.159 --> 01:41:53.600 involved in these situations where there are people living on 1861 01:41:53.640 --> 01:41:54.840 their own or relation should not be. 1862 01:41:56.279 --> 01:41:58.600 You know, let me just say it, Miles. 1863 01:41:58.640 --> 01:42:01.119 You need you need a consultant attorney. 1864 01:42:01.159 --> 01:42:03.560 I need to take a break and Dan McKenzie is 1865 01:42:03.600 --> 01:42:07.079 co Plans dot co. The number is a three three 1866 01:42:07.720 --> 01:42:17.439 co plans. Go with a sure thing Denver's Best Roofer 1867 01:42:17.560 --> 01:42:20.479 Excel Roofing dot com. You don't pay a cent until 1868 01:42:20.479 --> 01:42:26.239 you're content. Three Time for an insurance check up free, 1869 01:42:26.319 --> 01:42:30.359 no obligation comparison call Compass Insurance paying too much your 1870 01:42:30.399 --> 01:42:33.319 coverage at dozens of insurance companies find out now three 1871 01:42:33.399 --> 01:42:35.680 oh three seven to seven to one help. You'll think 1872 01:42:35.720 --> 01:42:38.319 you're his only customer when you choose Frank durand the 1873 01:42:38.319 --> 01:42:41.000 real estate Man dot com to list your home with 1874 01:42:41.119 --> 01:42:45.399 Remax Alliance three oh three nine two zero sixteen twenty two. 1875 01:42:50.159 --> 01:42:59.680 Ripped of need so you don't have carunos as the. 1876 01:43:01.399 --> 01:43:05.760 Shooter's gonna help. Come man, this is. 1877 01:43:05.720 --> 01:43:12.600 The Troubleshooter Show. No Tom Martino, Hey Tom Martina. Here 1878 01:43:13.319 --> 01:43:16.079 along with major Mark Major and the crew back at 1879 01:43:16.079 --> 01:43:19.119 the station. We are here to help you solve problems, 1880 01:43:19.119 --> 01:43:22.319 answer questions, and take complaints. This is how I brought 1881 01:43:22.319 --> 01:43:25.279 to you by One Clear Choice Garage Doors, and I 1882 01:43:25.319 --> 01:43:27.279 really think it's a clear choice. When it comes to 1883 01:43:27.279 --> 01:43:32.239 garage door maintenance, repairs, installation openers and everything else. Go 1884 01:43:32.359 --> 01:43:38.239 to one Clear Choicedoors dot com. It's one Clear Choice 1885 01:43:38.239 --> 01:43:42.399 Garage Doors. But the website is one Clear Choice doores 1886 01:43:42.479 --> 01:43:45.720 dot com. All of their prices on there, everything they do, 1887 01:43:46.159 --> 01:43:48.840 and they're open twenty four to seven One Clear Choice 1888 01:43:48.880 --> 01:43:53.079 Doors dot Com. Well, let's talk about your life. Kevin 1889 01:43:54.399 --> 01:43:58.920 has a question about drilling and when it comes to 1890 01:44:00.399 --> 01:44:04.439 royalty or working interests. When people own oil and gas, 1891 01:44:05.000 --> 01:44:11.479 they either own a royalty or that means they simply 1892 01:44:11.560 --> 01:44:15.359 own the land or did something that awards them loyalty 1893 01:44:15.479 --> 01:44:20.000 for a gate count or every barrel, or they have 1894 01:44:20.119 --> 01:44:23.720 a working interest which means they're part of the corporation 1895 01:44:23.920 --> 01:44:25.119 that's doing the drilling. 1896 01:44:26.199 --> 01:44:29.680 Or they have property owner. 1897 01:44:29.520 --> 01:44:36.800 Rights which are direct leases to the mineral companies. And 1898 01:44:37.680 --> 01:44:41.119 which do you have, Kevin, this land that you bought, 1899 01:44:41.520 --> 01:44:43.560 did you buy the mineral rights? 1900 01:44:45.000 --> 01:44:47.359 No, we don't have mineral rights with it. We do 1901 01:44:47.479 --> 01:44:50.319 get some money for each additional gas self. So I'm 1902 01:44:50.319 --> 01:44:53.079 not trying to be ridiculous. I just didn't know if this. 1903 01:44:53.079 --> 01:44:55.760 Is well, hold on, hold on, So you own the 1904 01:44:55.800 --> 01:44:58.880 surface rights? How much land are we talking about? 1905 01:45:00.039 --> 01:45:02.439 Total properties? Thirty five acres? This is the this is 1906 01:45:02.479 --> 01:45:04.600 the this is the question part we're having we keep 1907 01:45:04.760 --> 01:45:07.880 going around and around with them. Is when we are closing, 1908 01:45:08.039 --> 01:45:10.359 we were showing a paper from the old gas company, 1909 01:45:10.359 --> 01:45:15.239 showed up two acre permanent gas well pad. And then 1910 01:45:14.520 --> 01:45:17.199 then then they wanted us to sign a paper saying 1911 01:45:17.199 --> 01:45:20.680 we give a more area and this from the old company. 1912 01:45:20.760 --> 01:45:22.359 We said no, we get a lawyer. Lawyer looked at 1913 01:45:22.399 --> 01:45:24.920 I said, don't sign it. And now they've changed hands. 1914 01:45:24.920 --> 01:45:28.680 Now this new company is saying they have a four 1915 01:45:28.720 --> 01:45:33.479 acre additional four acre temporary construction site. But that was 1916 01:45:33.520 --> 01:45:36.760 part of the surface use agreement that expired in October 1917 01:45:36.800 --> 01:45:37.439 of twenty four. 1918 01:45:39.000 --> 01:45:44.760 Okay, if it expired, it's expired. It's that easy. If 1919 01:45:44.800 --> 01:45:48.199 there was an automatic renewal option that would be in it. 1920 01:45:48.640 --> 01:45:50.479 Everything would be in your documentation. 1921 01:45:51.199 --> 01:45:54.319 So are you asking me, are they allowed to take 1922 01:45:54.359 --> 01:45:58.760 an expired agreement and extend it? No, they're not. 1923 01:46:00.119 --> 01:46:02.520 Okay, and thank you. That's what we're trying to figure out. 1924 01:46:02.960 --> 01:46:04.840 Of course, when we talk to the new old Gast guy, 1925 01:46:04.880 --> 01:46:06.119 he keeps me, I have no idea. 1926 01:46:06.199 --> 01:46:07.479 I have no idea what you're talking about. 1927 01:46:07.479 --> 01:46:09.359 We're like, well, it's in our closing papers. We'll send 1928 01:46:09.439 --> 01:46:11.399 them to you. But I thought it maybe we should 1929 01:46:11.439 --> 01:46:13.680 talk to somebody like yourself first before we do. 1930 01:46:14.600 --> 01:46:18.319 And Kevin, you, so you have thirty five acres, it's 1931 01:46:18.359 --> 01:46:22.920 called thirty five acres with outside mineral rights. You're you 1932 01:46:23.079 --> 01:46:28.000 said the working contract expired in October. That would have 1933 01:46:28.119 --> 01:46:32.399 allowed them, that would have allowed them to double the pad. 1934 01:46:32.319 --> 01:46:37.399 Right, yes, exactly, okay, and. 1935 01:46:39.000 --> 01:46:42.199 It's expired. Did you say to the person, well, that's 1936 01:46:42.239 --> 01:46:43.079 an old agreement. 1937 01:46:44.920 --> 01:46:46.680 That's what we've been saying to them, and they keep 1938 01:46:46.680 --> 01:46:49.439 blowing past it, saying we're going to come in, put ourselves, 1939 01:46:49.520 --> 01:46:51.119 we're going to put our seven wells, and we're going 1940 01:46:51.199 --> 01:46:53.279 to be in and out right away. It's okay, but 1941 01:46:53.720 --> 01:46:55.920 technically after October you're not even supposed to be on 1942 01:46:55.920 --> 01:46:59.079 the property. You don't have a surface use agreement past 1943 01:46:59.119 --> 01:47:01.800 October of twenty five. You were supposed to reclamate this 1944 01:47:02.119 --> 01:47:04.760 and be gone at that point. 1945 01:47:04.760 --> 01:47:07.960 Well, then then you're you know, they're just hoping that 1946 01:47:08.000 --> 01:47:09.119 you're not going to do anything. 1947 01:47:11.000 --> 01:47:14.000 Okay, And then one more quick question with that is 1948 01:47:14.439 --> 01:47:19.479 on under closing papers. The as built diagram from the 1949 01:47:19.520 --> 01:47:22.439 old Guess Law company showed a two acre permanent side 1950 01:47:22.479 --> 01:47:26.039 two point zero four acres as the permanent production facility. 1951 01:47:26.239 --> 01:47:28.479 Can we hold them to that saying that that is 1952 01:47:28.560 --> 01:47:30.920 all you were allowed since that is what we were 1953 01:47:31.000 --> 01:47:34.039 are closing paper showed from the old oil of course, 1954 01:47:34.079 --> 01:47:34.920 does that makes sense? 1955 01:47:34.960 --> 01:47:35.520 Of course? 1956 01:47:36.680 --> 01:47:40.079 Of course, unless the closing docs were in error and 1957 01:47:40.119 --> 01:47:44.319 the underlying paperwork says more. You know, the original contract 1958 01:47:44.359 --> 01:47:47.600 for mineral rights is what is what's going to prevail. 1959 01:47:48.359 --> 01:47:52.399 So if someone misrepresented the property upon sale and your 1960 01:47:52.600 --> 01:47:55.399 closing docs say that, you just have to make sure 1961 01:47:55.439 --> 01:47:59.039 the closing docs jive with the original paperwork. 1962 01:48:00.479 --> 01:48:05.239 Okay, And the original state permit showed a four acre pad, 1963 01:48:05.800 --> 01:48:08.520 but our papers as an as built shows a two 1964 01:48:08.560 --> 01:48:11.119 point oh you know, two acre permanent see. 1965 01:48:11.000 --> 01:48:15.560 Kevin, Kevin, Now that's burying the lead. You're telling me 1966 01:48:16.159 --> 01:48:20.560 that there was original paperwork for four acres on. 1967 01:48:20.560 --> 01:48:22.359 The original Oh yeah, that's just a blanket and it 1968 01:48:22.399 --> 01:48:24.920 also showed eighteen wells. But they can't put eighteen wells 1969 01:48:24.960 --> 01:48:25.359 on four. 1970 01:48:25.640 --> 01:48:28.880 That was just it doesn't matter. It doesn't matter. There's 1971 01:48:28.960 --> 01:48:35.920 original paperwork for eight acres you're saying, or four acres. Okay, 1972 01:48:36.359 --> 01:48:40.279 hold on, and this four acres was for the pump pads. 1973 01:48:42.159 --> 01:48:45.199 I'm assuming so because that doesn't really show up on anything. 1974 01:48:45.239 --> 01:48:48.159 Okay, then hold on. Then then why did you tell 1975 01:48:48.239 --> 01:48:51.720 me they only have two acres? 1976 01:48:51.960 --> 01:48:55.479 Because the as built on our closing papers from the 1977 01:48:55.560 --> 01:48:58.920 old Nickel Road operating, you know, shows a schematic and 1978 01:48:59.039 --> 01:49:03.399 shows two acres outline it says permanent production facility two acres. 1979 01:49:04.680 --> 01:49:10.600 Hey, that's true. What so, here's what they're saying. There's 1980 01:49:10.640 --> 01:49:14.640 four acres, they've used two of them, and they advise 1981 01:49:14.720 --> 01:49:17.720 you that of closing. That doesn't take away the other 1982 01:49:17.760 --> 01:49:23.640 two acres. Kevin, Okay, okay, that doesn't. That doesn't I mean, sir, 1983 01:49:24.000 --> 01:49:26.359 and I don't even know what you're talking about as 1984 01:49:26.399 --> 01:49:30.479 far as this. You said something the surface use agreement 1985 01:49:30.880 --> 01:49:35.600 for pump heads expired. That's true. They can't expand it, 1986 01:49:36.000 --> 01:49:38.239 but they don't have to. They have four acres. 1987 01:49:39.600 --> 01:49:41.199 Well, they need more than the four to put their 1988 01:49:41.239 --> 01:49:44.079 temporary construction site, though I think the whole the additional 1989 01:49:44.119 --> 01:49:44.720 pad is well. 1990 01:49:44.760 --> 01:49:50.239 The temporary construction. Listen, bro, the temporary construction is not 1991 01:49:50.439 --> 01:49:58.359 a surface use agreement. Okay, the temporary construction is outside 1992 01:49:58.800 --> 01:50:06.319 of the surface use agree. So you have to go yes, 1993 01:50:06.600 --> 01:50:10.560 it doesn't matter. Here's what they're saying. We own surface 1994 01:50:10.640 --> 01:50:14.239 rights to your property, and in order to do it, 1995 01:50:14.600 --> 01:50:16.920 we have to put some wells on there, and in 1996 01:50:17.000 --> 01:50:19.760 order to do it, we're gonna have some extra property 1997 01:50:19.800 --> 01:50:24.840 we use temporarily for equipment. That separate agreement for the 1998 01:50:24.920 --> 01:50:30.159 construction site or the equipment is what prevails. Otherwise what 1999 01:50:30.239 --> 01:50:32.800 you're going to end up doing. You can thwart them 2000 01:50:32.840 --> 01:50:36.000 a bit, but the bottom line is if they have 2001 01:50:36.239 --> 01:50:40.000 the four acres, they're going to use the four acres. 2002 01:50:40.279 --> 01:50:44.239 And if you technically end up being correct, well you 2003 01:50:44.319 --> 01:50:48.079 can have the four acres, but you can temporarily use 2004 01:50:48.159 --> 01:50:52.319 our property for storage. Well, then they're just gonna bring 2005 01:50:52.359 --> 01:50:55.399 equipment in and out of the property as they need it. 2006 01:50:56.760 --> 01:50:59.680 On the four acres. It's not going to get you 2007 01:50:59.760 --> 01:51:04.079 out of that four acre commitment. The original paperwork is 2008 01:51:04.119 --> 01:51:09.359 what prevails. You bought it subject to those four acres 2009 01:51:09.800 --> 01:51:14.199 being an oil site. Do you get paid anything. 2010 01:51:13.800 --> 01:51:16.600 For this, Yeah, we get, we get We're gonna get 2011 01:51:16.640 --> 01:51:18.800 some for the additional wells. Yeah yeah, we're gonna get 2012 01:51:18.840 --> 01:51:20.479 some for that additional wellhead. 2013 01:51:20.600 --> 01:51:22.920 Do you get regular checks or is it a one 2014 01:51:22.960 --> 01:51:23.600 time payment? 2015 01:51:23.640 --> 01:51:25.680 No, just just a one time payment on it. 2016 01:51:27.800 --> 01:51:31.439 Okay, Kevin, I think every I don't think they're trying 2017 01:51:31.439 --> 01:51:35.520 to screw you. And I caution people if you have 2018 01:51:36.359 --> 01:51:41.159 if you buy property with outside mineral rights, you better 2019 01:51:41.199 --> 01:51:44.880 be very very certain that you can live with the 2020 01:51:44.960 --> 01:51:47.920 terms and conditions. There have been some people that bought 2021 01:51:47.960 --> 01:51:51.159 property when I was out buying property back in the day, 2022 01:51:51.600 --> 01:51:55.439 and they buy property subject to these rights, not thinking 2023 01:51:55.600 --> 01:51:59.800 anything would happen, and they end up not being able 2024 01:51:59.840 --> 01:52:02.640 to build a subdivision or something they wanted to build 2025 01:52:02.680 --> 01:52:05.600 on a good part of it because of it, because 2026 01:52:05.680 --> 01:52:09.640 it severely restricts you. So I hope the rest of 2027 01:52:09.680 --> 01:52:12.680 your land though it doesn't hinder the use of your land, right. 2028 01:52:13.079 --> 01:52:15.039 Oh no, no, Look it's on the north end. I 2029 01:52:15.039 --> 01:52:16.800 mean we knew obviously, we knew it there and the 2030 01:52:16.880 --> 01:52:19.079 site clear at the north end of the property. It's 2031 01:52:19.119 --> 01:52:20.640 not like in the middle of the properties. You know, 2032 01:52:20.720 --> 01:52:22.880 to us We're fine with it. When we bought it, 2033 01:52:22.880 --> 01:52:25.000 it just we thought they were going to reclimate it 2034 01:52:25.000 --> 01:52:26.239 and get out, and then all of a sudden they 2035 01:52:26.239 --> 01:52:28.119 show up saying they're going to still do a bunch 2036 01:52:28.119 --> 01:52:31.119 of work. And we thought that that that the surface 2037 01:52:31.199 --> 01:52:35.319 use for the the temporary construction part expired, but apparently 2038 01:52:35.319 --> 01:52:38.399 it doesn't, so that's fine too, all. 2039 01:52:38.359 --> 01:52:40.600 Right, Kevin, thank you for calling three O three seven 2040 01:52:40.680 --> 01:52:43.359 one three talks seven one three eight two five five. 2041 01:52:43.720 --> 01:52:50.880 We have more coming up on the Troubleshooter Show. Go 2042 01:52:51.039 --> 01:52:54.760 with a sure thing Denver's best roofer Excel Roofing dot com. 2043 01:52:54.800 --> 01:53:00.520 You don't pay a cent until you're content. Time for 2044 01:53:00.560 --> 01:53:04.319 an insurance checkup free, no obligation. In comparison, call Compass 2045 01:53:04.359 --> 01:53:07.640 Insurance paying too much your coverage at dozens of insurance 2046 01:53:07.640 --> 01:53:10.159 companies find out now three all three seven to seven 2047 01:53:10.159 --> 01:53:12.920 to one. Help. You'll think you're his only customer when 2048 01:53:12.960 --> 01:53:15.439 you choose Frank durand the real estate Man dot com 2049 01:53:15.439 --> 01:53:18.600 to list your home with Remax Alliance three oh three 2050 01:53:18.680 --> 01:53:28.520 nine two zero sixteen twenty two. Hi Tom Martine here 2051 01:53:28.520 --> 01:53:31.960 at three O three seven one three talk seven one 2052 01:53:32.000 --> 01:53:34.680 three A two five five. Well, we got a lot 2053 01:53:34.760 --> 01:53:39.079 going on today, a very eclectic lists of problems. Let's 2054 01:53:39.159 --> 01:53:43.039 talk to Phil on his homeowner's insurance. 2055 01:53:43.039 --> 01:53:44.680 Phil, go ahead, what's happening with you? 2056 01:53:44.760 --> 01:53:45.079 Phil? 2057 01:53:46.319 --> 01:53:52.039 Hey? Tom, if you recall about a week, week and 2058 01:53:52.079 --> 01:53:56.039 a half ago, this woman called in for this older 2059 01:53:56.159 --> 01:54:01.159 lady that had problems on a roof and she would 2060 01:54:01.760 --> 01:54:08.119 with home site insurance. Do you recall anything. 2061 01:54:09.600 --> 01:54:12.640 I recall something like it. I don't recall it specifically, 2062 01:54:13.000 --> 01:54:14.039 what is the problem? 2063 01:54:14.720 --> 01:54:17.399 And the insurance company was only going to pay her 2064 01:54:17.439 --> 01:54:21.039 eight hundred dollars to repair her roof or something like that. 2065 01:54:23.439 --> 01:54:29.079 I remember something like that. Home Site. Yeah, here's what happened. 2066 01:54:30.279 --> 01:54:33.199 It's it was a ninety year old woman, Ruth had 2067 01:54:33.279 --> 01:54:38.319 AARP insurance for twenty five years. They dropped her and 2068 01:54:38.359 --> 01:54:41.560 she got a new policy with home Site. After a 2069 01:54:41.680 --> 01:54:44.760 year and a half, she had a hailstorm and her 2070 01:54:44.760 --> 01:54:48.239 insurance only paid eight hundred dollars. That was assigned to 2071 01:54:48.319 --> 01:54:55.760 Deputy D. Deputy D. What happened with that? He's not here, Tom, 2072 01:54:55.840 --> 01:54:58.720 He stepped out for the Rockies. Oh, I thought he sorry, 2073 01:54:58.760 --> 01:55:03.079 we didn't wh okay, Well, you know what, I don't 2074 01:55:03.119 --> 01:55:04.000 know what happened with that? 2075 01:55:04.840 --> 01:55:08.079 Yeah, I was kind of curious because I have Homesite 2076 01:55:08.319 --> 01:55:16.720 Insurance is a Geico sister company, Homesite I had. 2077 01:55:17.600 --> 01:55:20.399 We'll get that update from a Monday for you for sure. 2078 01:55:20.560 --> 01:55:23.439 Man, Yeah, Mark, I need you to fight for me. 2079 01:55:23.880 --> 01:55:27.800 Mark, Well tell me what's going on, Tom, tell us 2080 01:55:27.800 --> 01:55:28.439 what's going on. 2081 01:55:29.920 --> 01:55:36.560 Twenty twenty three February, I had water damage caused by 2082 01:55:38.039 --> 01:55:42.720 water pressure going in from the from the street, from 2083 01:55:42.800 --> 01:55:47.600 the meter. I had one hundred and twenty pounds of. 2084 01:55:47.640 --> 01:55:53.359 Pointa phil Phil. So you're saying that the city's water 2085 01:55:53.439 --> 01:55:54.399 meter was off. 2086 01:55:55.880 --> 01:55:59.199 Yeah, like one hundred and twenty pounds or one hundred 2087 01:55:59.239 --> 01:56:00.760 and ten pounds to pressure. 2088 01:56:01.039 --> 01:56:04.640 But was it the cities? What was it the city's 2089 01:56:04.800 --> 01:56:05.760 meter that did that? 2090 01:56:06.680 --> 01:56:08.319 Yes, Arveda, Colorado. 2091 01:56:08.479 --> 01:56:11.560 Yes, okay, so go ahead. 2092 01:56:11.720 --> 01:56:15.359 So I talked to a couple of guys that came 2093 01:56:15.399 --> 01:56:19.359 out looked and that he said that my water pressure 2094 01:56:19.439 --> 01:56:27.880 is way too high. So they put a regulator on there. 2095 01:56:28.920 --> 01:56:30.920 And I said, you know, I've been here for thirty 2096 01:56:30.960 --> 01:56:34.960 seven years the same place. I've never had trouble with 2097 01:56:35.000 --> 01:56:42.640 this before. So anyways, let's let's get get to it that. 2098 01:56:43.079 --> 01:56:47.640 What happened when you put phil, when you put a 2099 01:56:47.720 --> 01:56:50.880 regulator on. So did they go into your basement or 2100 01:56:50.920 --> 01:56:54.000 wherever and say, we're going to regulate the pressure. 2101 01:56:55.479 --> 01:56:58.880 Yes, yeah, yeah, so they put that on there and 2102 01:56:58.920 --> 01:57:02.000 then they turned it and that you cut down the pressure. 2103 01:57:02.960 --> 01:57:08.279 But man, I'll tell you. 2104 01:57:07.920 --> 01:57:09.119 Anyway, what tell me? 2105 01:57:09.960 --> 01:57:15.840 Tell me mine from the thicket busted. I had water 2106 01:57:15.960 --> 01:57:20.439 all over the basement, probably about six inches of water everywhere. 2107 01:57:21.720 --> 01:57:23.880 And uh, I called. 2108 01:57:26.800 --> 01:57:30.439 What company put in? What company put in the secondary 2109 01:57:31.079 --> 01:57:35.159 what company put in that secondary regulator valve? 2110 01:57:37.720 --> 01:57:41.279 It was the city, Yeah, it was a city. And 2111 01:57:41.399 --> 01:57:43.520 I told him, I said, you know what. I went 2112 01:57:43.600 --> 01:57:46.840 down there and I told you you caused my problem 2113 01:57:46.920 --> 01:57:51.159 because I two of my toilets blew out too, and 2114 01:57:51.159 --> 01:57:53.720 I had to replace Phil. 2115 01:57:54.520 --> 01:57:57.640 Phil. Yeah, I know, I know that. I know you 2116 01:57:57.680 --> 01:57:59.319 have the story in your head. Let me let me 2117 01:57:59.399 --> 01:58:04.880 just recap. You're saying that the water damaged the bottom line, 2118 01:58:05.359 --> 01:58:10.800 the water damage your property due to our Vada City 2119 01:58:10.840 --> 01:58:12.000 water system, right. 2120 01:58:12.680 --> 01:58:15.000 Yeah, too much pressure or volume. 2121 01:58:16.439 --> 01:58:19.279 But I don't understand this part. When you complained about 2122 01:58:19.279 --> 01:58:23.119 the pressure, they put a secondary water pressure valve in. 2123 01:58:24.199 --> 01:58:30.439 Yeah, after my plumber came out and fixed the piping, 2124 01:58:32.439 --> 01:58:38.159 and then matter of fact, they didn't do it. The 2125 01:58:38.199 --> 01:58:40.439 plumber put in the regulator. 2126 01:58:40.560 --> 01:58:41.319 That yeah, I was. 2127 01:58:41.600 --> 01:58:44.199 I was going to say, I have generally they just 2128 01:58:44.319 --> 01:58:46.920 run you the tap. Then you have a regulator. 2129 01:58:46.399 --> 01:58:51.159 At your house, right right, That's what I was saying. So, 2130 01:58:51.159 --> 01:58:54.520 so here's here's the thing, Phil, I don't think that 2131 01:58:54.640 --> 01:58:58.399 original damage was done by Arvada at all. It's because 2132 01:58:58.479 --> 01:59:01.159 your valve went bad and then you had a new 2133 01:59:01.239 --> 01:59:04.119 valve put in. You can't blame the city for this. 2134 01:59:04.199 --> 01:59:06.800 It's two years ago. So why why the call today 2135 01:59:06.840 --> 01:59:08.279 about it? I don't get that part. 2136 01:59:08.600 --> 01:59:13.399 Well, listen, I'm having trouble with Home Site Insurance in 2137 01:59:13.479 --> 01:59:19.520 the claim. I had four people over here on the 2138 01:59:19.640 --> 01:59:26.520 damage on the basement. The insurance company paid me, which 2139 01:59:26.560 --> 01:59:29.399 I didn't like the price neither, But they did pay 2140 01:59:29.479 --> 01:59:31.359 me for my personal property. 2141 01:59:33.079 --> 01:59:37.800 But why did they they decline? 2142 01:59:37.920 --> 01:59:40.199 Why did they decline everything? But the persons? 2143 01:59:40.479 --> 01:59:43.039 I don't even know what they declined. He just said 2144 01:59:43.039 --> 01:59:45.800 they paid for his personal property. What did they. 2145 01:59:45.680 --> 01:59:49.039 Decline the damage? Like what, I'm flooring? 2146 01:59:49.119 --> 01:59:49.199 What? 2147 01:59:50.159 --> 01:59:54.600 Yes, you're right, mark the flooring everything else. And I 2148 01:59:54.720 --> 01:59:58.560 called them back up a couple months later, and he said, 2149 01:59:58.640 --> 02:00:02.560 you know, you never told us how much is going 2150 02:00:02.640 --> 02:00:07.800 to cost for the construction, the carpet, the tiling and 2151 02:00:07.880 --> 02:00:09.000 all the old stuff. 2152 02:00:09.039 --> 02:00:12.760 Phil, So I, Phil, you said something, Phil, hold On, 2153 02:00:13.520 --> 02:00:17.840 you said something about two failures. I think you said 2154 02:00:18.039 --> 02:00:22.319 in February twenty twenty three the pipers due to high pressure. 2155 02:00:22.880 --> 02:00:25.239 Then your plumber came in and put a new one in, 2156 02:00:25.600 --> 02:00:28.720 and that one failed to or not or was I misunderstandable? 2157 02:00:29.000 --> 02:00:32.439 No, no, it didn't fail. It's worth yeah, okay, fixed 2158 02:00:32.479 --> 02:00:35.600 it right, and he got it. He put the regulator in, 2159 02:00:36.319 --> 02:00:39.119 but got it. They did pay me for my personal 2160 02:00:39.239 --> 02:00:45.239 property at that time, but not the construction part, the paneling, 2161 02:00:45.800 --> 02:00:50.479 the tile, the flooring, the ceiling tile where the water 2162 02:00:50.600 --> 02:00:52.520 came in from the ceiling because of. 2163 02:00:52.439 --> 02:00:55.319 This, Okay, let's get Compass insurance on hold On, Phil, 2164 02:00:56.159 --> 02:00:57.680 I don't even want to talk because I don't know 2165 02:00:58.039 --> 02:01:00.359 why they would pay for personal property but not the 2166 02:01:00.399 --> 02:01:03.680 other It's kind of weird. Let's ask Brian Burns from 2167 02:01:03.680 --> 02:01:07.119 Compass Insurance to come on, all right, then we'll learn something. 2168 02:01:07.199 --> 02:01:09.960 Three oh three seven one three talk three oh three 2169 02:01:10.000 --> 02:01:14.760 seven one three eight two five five. Hey, valet parking 2170 02:01:14.880 --> 02:01:18.960 at a hospital. It's a great topic. We're gonna talk 2171 02:01:19.000 --> 02:01:21.760 about coming up. I'll tell you why. I find it 2172 02:01:21.800 --> 02:01:25.640 to be one of the most convenient services ever, and 2173 02:01:25.680 --> 02:01:29.560 it's always free. But Key has a problem. We'll find 2174 02:01:29.600 --> 02:01:33.079 out about that and more coming up on the Troubleshooter Show. 2175 02:01:38.880 --> 02:01:42.159 Go with a sure thing Denver's best roofer Excel Roofing 2176 02:01:42.279 --> 02:01:44.920 dot com. You don't pay a cent until you're content 2177 02:01:48.279 --> 02:01:51.479 time for an insurance check up free, no obligation. In comparison, 2178 02:01:51.600 --> 02:01:55.119 call Compass Insurance paying too much your coverage at dozens 2179 02:01:55.159 --> 02:01:57.920 of insurance companies find out now three oh three, seven 2180 02:01:57.920 --> 02:02:00.319 to seven to one help. You'll think you're his only 2181 02:02:00.399 --> 02:02:02.840 customer when you choose Frank durand the real estate Man 2182 02:02:02.880 --> 02:02:06.319 dot com to list your home with Remax Alliance three 2183 02:02:06.359 --> 02:02:14.000 oh three nine two zero sixteen twenty two. I'm Tom Martine. 2184 02:02:14.079 --> 02:02:18.000 You're Troubleshooter three three seven one three talks seven one 2185 02:02:18.000 --> 02:02:20.760 three two five five. Brian Burns is with us from 2186 02:02:20.760 --> 02:02:24.640 the Insurance Health Center dot com or or Compass Insurance Group, 2187 02:02:24.960 --> 02:02:27.479 home of the free insurance checkups. I'll give you that 2188 02:02:27.560 --> 02:02:33.600 number when he's done. Hey, Brian, so, Phil had a 2189 02:02:33.680 --> 02:02:39.880 water pipe burst due to improper water pressure and his 2190 02:02:40.000 --> 02:02:46.319 insurance company is paying for his personal property, but won't 2191 02:02:46.359 --> 02:02:49.920 pay for any of the cosmetic repairs. 2192 02:02:51.199 --> 02:02:53.680 That does not make sense to me. Okay, so you're saying, 2193 02:02:53.720 --> 02:02:56.439 like the damage to the carpet, drywall, that kind of stuff, 2194 02:02:56.439 --> 02:02:57.479 they're not willing to pay. 2195 02:02:57.279 --> 02:03:00.800 For that, right, they won't pay for that, only his 2196 02:03:00.840 --> 02:03:01.840 personal property. 2197 02:03:02.600 --> 02:03:05.119 That makes zero sense. Does he have a denial letter? 2198 02:03:06.600 --> 02:03:09.640 Well, I think we're missing part of it. If I 2199 02:03:09.680 --> 02:03:11.960 had to ask him, and we'll bring him back up. 2200 02:03:12.000 --> 02:03:14.439 But Phil, did you ever get them an estimate or 2201 02:03:14.479 --> 02:03:16.520 anything anything at all? 2202 02:03:17.840 --> 02:03:24.359 Listen? Mark, Tom listened. I got two estates, one from 2203 02:03:24.560 --> 02:03:29.439 Handymanned Connections his name, Yes, yeah, okay, I got an 2204 02:03:29.600 --> 02:03:39.680 estimate there from Ace Handymanned Connection estimate. I had both 2205 02:03:39.680 --> 02:03:40.800 of them come out here. 2206 02:03:41.000 --> 02:03:41.279 Phil. 2207 02:03:41.319 --> 02:03:44.359 Did you give me to your insurance company? 2208 02:03:44.600 --> 02:03:48.880 Well, let me finish. So they told me to send 2209 02:03:48.920 --> 02:03:52.840 them the estimate the insurance company. They did not receive 2210 02:03:52.960 --> 02:03:57.279 the estimates. A week later, I called them and they 2211 02:03:57.279 --> 02:03:58.640 said they didn't receive this. 2212 02:03:58.800 --> 02:04:01.239 Okay, Brian, this is two years ago, so I want 2213 02:04:01.439 --> 02:04:03.399 I want Brian to understand that part too. 2214 02:04:03.520 --> 02:04:05.840 Yeah. But here's what I need to know, Phil, Here's 2215 02:04:05.880 --> 02:04:09.960 what I need to know. They did not pay for 2216 02:04:10.119 --> 02:04:14.119 any of the repairs. Now correct me if I'm wrong, Brian. 2217 02:04:14.800 --> 02:04:20.159 If something uncovered broke, they would fix the damages that 2218 02:04:20.239 --> 02:04:25.680 the uncovered item caused, but it would not cover the 2219 02:04:26.239 --> 02:04:30.319 It would not cover the repair of the uncovered item, exactly. 2220 02:04:30.399 --> 02:04:32.880 That's exactly right. The damage that's caused from it is 2221 02:04:32.920 --> 02:04:36.039 what would be covered. But what makes zero sense to me, Tom, 2222 02:04:36.119 --> 02:04:39.399 is if you're going to cover the personal property, why 2223 02:04:39.439 --> 02:04:42.000 in the world where would did the exclusion be for 2224 02:04:42.079 --> 02:04:42.760 the actual dwell? 2225 02:04:43.079 --> 02:04:44.319 There is no exclusion. 2226 02:04:44.399 --> 02:04:47.319 He never sent the estimate in or he sent it, 2227 02:04:47.399 --> 02:04:48.920 but nobody ever got it. 2228 02:04:49.479 --> 02:04:52.319 Okay, gotcha? So that's really do you think that's what? 2229 02:04:52.479 --> 02:04:54.239 Well, how do you know, Mark, how do you know? 2230 02:04:54.479 --> 02:04:57.000 Because that's what Phil literally just said. 2231 02:04:57.880 --> 02:05:04.960 All right, Phil, listen tomp So, after I had that 2232 02:05:05.159 --> 02:05:11.439 water damage done in February or January where I had 2233 02:05:11.439 --> 02:05:15.359 that water pressure problem and it busted the line, a 2234 02:05:15.720 --> 02:05:19.760 month later, I got a letter from the insurance company 2235 02:05:19.840 --> 02:05:25.199 that they are going to cancel my insurance. On March fifteenth. 2236 02:05:25.640 --> 02:05:30.359 I thought, okay, you're playing hard ball with me. Okay, 2237 02:05:30.800 --> 02:05:34.880 So I called Excel Roofing and I talked to Jeff 2238 02:05:34.960 --> 02:05:39.399 Smith down there he came out, looked at my roof 2239 02:05:40.319 --> 02:05:44.000 and said that I got damage on my roof for 2240 02:05:44.159 --> 02:05:50.640 hail damage. So they home said, sent out adjuster with 2241 02:05:51.279 --> 02:05:56.279 Jeff got up on the roof and the adjuster said, 2242 02:05:56.640 --> 02:06:00.600 you don't have hell damage. You do have heal damage. 2243 02:06:00.640 --> 02:06:05.520 But it happened in twenty nineteen. They they died by 2244 02:06:05.600 --> 02:06:08.840 claim there. I said, okay, I'm going back to the 2245 02:06:08.880 --> 02:06:13.359 basement where I had that water damage and reopened the 2246 02:06:13.479 --> 02:06:17.119 claim up with this, which should be the same place. 2247 02:06:17.199 --> 02:06:20.319 Phil, you're making You're making no sense to me. So 2248 02:06:20.439 --> 02:06:23.319 when they told you they were going to cancel you, 2249 02:06:23.319 --> 02:06:26.159 you decided to put in a roof claim. Why didn't 2250 02:06:26.159 --> 02:06:27.720 you put in a roof claim before that? 2251 02:06:30.880 --> 02:06:34.199 I thought, well, March fifteenth. I thought, well, I'm going 2252 02:06:34.279 --> 02:06:37.079 to have my roof checked out before March fifteenth. 2253 02:06:37.199 --> 02:06:41.319 But Phil, they Phil having your roof checked out, Phil, 2254 02:06:42.239 --> 02:06:47.119 it has to be tied to a specific event. You 2255 02:06:47.239 --> 02:06:50.399 don't just get to get the insurance company to give 2256 02:06:50.439 --> 02:06:53.840 you a new roof, even if you have hail insurance. 2257 02:06:54.600 --> 02:06:57.239 Brian tell them, I understand that. 2258 02:06:57.600 --> 02:07:01.039 So so so what did they turned down your roof? 2259 02:07:01.560 --> 02:07:04.680 It probably was old hail damage. They don't have an 2260 02:07:04.720 --> 02:07:06.560 obligation to pay for anything more than. 2261 02:07:06.520 --> 02:07:07.159 A year old. 2262 02:07:08.079 --> 02:07:14.600 Well, according to from Jeff Smith of Excel the manager, 2263 02:07:15.199 --> 02:07:18.279 he said that he doesn't live too far from me 2264 02:07:18.800 --> 02:07:23.039 and he got hailed too back in June. It doesn't 2265 02:07:23.079 --> 02:07:23.840 matter time. 2266 02:07:23.920 --> 02:07:27.760 Well then, Phil, then Phil, you have to prove it. Then, Phil, 2267 02:07:28.159 --> 02:07:29.800 you know what, You don't just get to put in 2268 02:07:29.920 --> 02:07:33.079 claims because you think it's a good idea to Mesu's 2269 02:07:33.159 --> 02:07:37.640 not the roof. His issues the basement, that's right, Mark, Yeah, 2270 02:07:37.680 --> 02:07:40.039 because he was pissed off about the roof, so he 2271 02:07:40.119 --> 02:07:43.399 went back to the basement. And the basement's not being covered. 2272 02:07:43.439 --> 02:07:45.920 And I don't know why did you get a denial letter? 2273 02:07:46.800 --> 02:07:46.840 No? 2274 02:07:47.079 --> 02:07:47.520 I did not. 2275 02:07:49.319 --> 02:07:51.600 Well, then how do you know it's not being paid? 2276 02:07:52.800 --> 02:07:55.880 Well, this has been going on since. 2277 02:07:56.560 --> 02:07:59.920 Did you submit a bill? Did you submit a bill? 2278 02:08:00.000 --> 02:08:00.119 Well? 2279 02:08:01.600 --> 02:08:06.640 I gave them two estimates, one from Handyman's connection and 2280 02:08:06.880 --> 02:08:08.279 one from a And what. 2281 02:08:08.479 --> 02:08:11.720 Did they say? What did they say when you gave 2282 02:08:11.800 --> 02:08:12.720 them the estimates? 2283 02:08:13.880 --> 02:08:18.680 They said that they look into it, and Uh, get 2284 02:08:18.720 --> 02:08:19.359 in touch. 2285 02:08:19.239 --> 02:08:21.079 With me, Tom, I don't think you're following. 2286 02:08:23.800 --> 02:08:25.479 What the hell do you mean I'm not following? 2287 02:08:27.760 --> 02:08:31.119 Come on, Mark, I need Jordan the guy put in here. 2288 02:08:31.319 --> 02:08:34.199 He put in a claim for an insurance what he's now. 2289 02:08:34.319 --> 02:08:37.800 Here's what it boils down to. After all those kakamamie stories, 2290 02:08:38.079 --> 02:08:41.319 it all boils down to this. He has an insurance 2291 02:08:41.399 --> 02:08:45.319 claim for damages to his house due to a water burst, 2292 02:08:45.800 --> 02:08:47.680 and they never got back to him after he sent 2293 02:08:47.760 --> 02:08:48.399 him estimates. 2294 02:08:48.640 --> 02:08:52.000 They never turned him down. He doesn't have a denial letter. 2295 02:08:53.159 --> 02:08:54.399 Oh, they never. 2296 02:08:54.439 --> 02:08:55.279 Turned him down. 2297 02:08:55.960 --> 02:08:58.399 I want to ask you another question, tom or Mark 2298 02:08:58.960 --> 02:09:05.920 mark sure ahead listening? Mark on the damage on my 2299 02:09:06.279 --> 02:09:10.720 personal property which they paid me? Yes, and my deductible. 2300 02:09:10.840 --> 02:09:14.159 You wouldn't believe what my deductible was. It was four 2301 02:09:14.840 --> 02:09:16.399 four and seventy dollars. 2302 02:09:16.640 --> 02:09:16.880 Wow. 2303 02:09:17.640 --> 02:09:22.279 Yeah, they put me in a mouse house. But anyways, what. 2304 02:09:22.640 --> 02:09:23.800 What was the question I got? 2305 02:09:24.359 --> 02:09:28.960 I got the claim for the construction damage like the 2306 02:09:29.039 --> 02:09:31.439 floor and the tile and everything else. 2307 02:09:31.640 --> 02:09:31.920 Got it? 2308 02:09:32.079 --> 02:09:35.159 Do I still have to pay another deductible? 2309 02:09:35.560 --> 02:09:39.760 No? Oh, what are you talking about? Only if it's 2310 02:09:39.800 --> 02:09:43.439 another Only if it's another event. If it's another. 2311 02:09:43.279 --> 02:09:46.479 Event, you do it's the same claim number. 2312 02:09:48.399 --> 02:09:53.880 No, then you don't pay another deductible? Okay, Phil, I 2313 02:09:54.039 --> 02:09:58.239 suggest you call a public adjuster. Give him the name 2314 02:09:58.319 --> 02:10:01.359 of services off the Brian. I'm putting him on. 2315 02:10:01.399 --> 02:10:02.079 Hold real quick. 2316 02:10:02.640 --> 02:10:05.760 Seriously, though, Let's say we go back to February of 2317 02:10:05.840 --> 02:10:09.479 twenty twenty three and they were paying on the claim. 2318 02:10:09.600 --> 02:10:11.960 That's evident because they put him up somewhere in his 2319 02:10:12.119 --> 02:10:14.880 mouse house and they paid for some of his personal items. 2320 02:10:15.159 --> 02:10:17.800 And let's say he did get estimates but he never 2321 02:10:17.920 --> 02:10:20.800 got him to them, or they're claiming they never got him. 2322 02:10:21.359 --> 02:10:23.920 When does that expire? How long do you have after 2323 02:10:24.159 --> 02:10:28.359 January of twenty twenty three to still deal with this claim. 2324 02:10:29.399 --> 02:10:32.560 Well, that's a great question, because to file the claim, 2325 02:10:32.640 --> 02:10:35.720 you have, like Tom mentioned the twelve months. With most carriers, 2326 02:10:35.760 --> 02:10:38.319 they look at that you have one year. But when 2327 02:10:38.359 --> 02:10:40.760 you file the claim and you want to reopen, I 2328 02:10:40.920 --> 02:10:44.079 believe that timeframe is longer. So I really think you would. 2329 02:10:44.239 --> 02:10:46.119 I think it's three years, exactly. 2330 02:10:45.800 --> 02:10:47.520 What I think it is too. I think it's three 2331 02:10:47.720 --> 02:10:48.319 I think what we. 2332 02:10:48.439 --> 02:10:51.239 Do then, in all seriousness, we put this either with 2333 02:10:51.439 --> 02:10:55.640 Dimitri or Bow or Doc and they call up this 2334 02:10:55.880 --> 02:10:59.079 guy and then make a call to the insurance company 2335 02:10:59.199 --> 02:11:00.159 to see where it's at at. 2336 02:11:00.279 --> 02:11:03.159 Right. Yeah, well, yeah, I mean yeah, that's what we do. 2337 02:11:03.439 --> 02:11:06.520 Heard I never even heard Mark that's exactly what we do. 2338 02:11:07.560 --> 02:11:07.760 Yeah. 2339 02:11:07.800 --> 02:11:09.279 I don't even know if they ever acknowledged that they 2340 02:11:09.399 --> 02:11:09.960 got the. 2341 02:11:10.119 --> 02:11:12.760 They did it. Yeah, I'm gonna hope they never did. Phil. 2342 02:11:12.840 --> 02:11:15.720 I'm gonna ask Phil a question real quick, Phil, just 2343 02:11:15.840 --> 02:11:19.279 the answer to this. Did they say they never receive 2344 02:11:19.399 --> 02:11:20.239 those estimates? 2345 02:11:20.319 --> 02:11:21.119 Is that yes? Or no? 2346 02:11:23.319 --> 02:11:26.800 Sh No, they did not receive Thank you. 2347 02:11:27.000 --> 02:11:29.159 Okay, that's it, So we're on the right path now. 2348 02:11:29.399 --> 02:11:30.239 See that was easy. 2349 02:11:30.319 --> 02:11:30.600 I got. 2350 02:11:30.760 --> 02:11:33.359 I gotta move on. Jay, you have a comment on this, 2351 02:11:33.520 --> 02:11:35.359 Go ahead, Jay, quickly. What's your comment? 2352 02:11:38.199 --> 02:11:40.840 He had one hundred, He had one hundred and twenty psi. 2353 02:11:41.199 --> 02:11:46.159 They put in a regulator, then a pigot blue and 2354 02:11:46.279 --> 02:11:49.159 flooded the basement. The spigot runs from the basement out 2355 02:11:50.039 --> 02:11:52.279 to the exterior of the house. They probably have no 2356 02:11:52.399 --> 02:11:55.439 protection on the spigot, just the interior of the house plumbing. 2357 02:11:55.960 --> 02:11:58.960 If they still have one hundred and twenty psi at 2358 02:11:59.119 --> 02:12:01.119 are that a He still has one hundred and twenty 2359 02:12:01.239 --> 02:12:05.159 psi at those particular points in his house, and he 2360 02:12:05.279 --> 02:12:07.079 could have a lot more trouble come in his way. 2361 02:12:07.920 --> 02:12:11.079 So he needs to make well, Okay, good point. Good point. 2362 02:12:11.199 --> 02:12:13.239 If they didn't put it in the right place, or 2363 02:12:13.279 --> 02:12:15.840 if he has pressure coming in he needs a plumber 2364 02:12:15.920 --> 02:12:17.520 to check it out to make sure he doesn't have 2365 02:12:17.600 --> 02:12:20.680 future problems. We have more coming up on the Troubleshooter Show. 2366 02:12:21.239 --> 02:12:24.520 Go with a sure Thing Denver's Best Roofer Excel Roofing 2367 02:12:24.600 --> 02:12:27.239 dot com. You don't pay a cent until you're content. 2368 02:12:30.640 --> 02:12:33.760 Time for an insurance checkup free, no obligation. In comparison, 2369 02:12:33.960 --> 02:12:37.479 call Compass Insurance paying too much your coverage at dozens 2370 02:12:37.520 --> 02:12:40.239 of insurance companies find out now three all three seven 2371 02:12:40.279 --> 02:12:42.600 to seven to one help. You'll think you're his only 2372 02:12:42.720 --> 02:12:45.119 customer when you choose Frank durand the real estate Man 2373 02:12:45.239 --> 02:12:48.600 dot com to list your home with Remax Alliance three 2374 02:12:48.680 --> 02:12:54.239 oh three nine two zero sixteen twenty two. Hi Tom Martino, 2375 02:12:56.039 --> 02:12:59.880 let's talk to Key No pun intended. He has a 2376 02:13:00.119 --> 02:13:02.279 valet issue. Key. What's happening? 2377 02:13:04.479 --> 02:13:05.319 Hey, Tom? 2378 02:13:05.720 --> 02:13:12.840 Yeah, I brought my car into uh the hospital valet parking. 2379 02:13:14.520 --> 02:13:17.239 I left noticed that there was a scratch on my 2380 02:13:17.319 --> 02:13:19.199 front bumper. Came back. 2381 02:13:19.359 --> 02:13:22.640 What hospital was it? What hospital? You see? 2382 02:13:23.079 --> 02:13:23.680 You see hill? 2383 02:13:25.520 --> 02:13:30.079 Okay, now you see health. What they do is they 2384 02:13:30.199 --> 02:13:33.520 take pictures of the car before they park it. 2385 02:13:35.039 --> 02:13:40.439 Exactly exactly, so I thought that, Uh so, what happened 2386 02:13:40.479 --> 02:13:43.720 to the picture? I came back, I said that my 2387 02:13:43.880 --> 02:13:47.680 car was scratched here, and uh they told me, uh, 2388 02:13:48.680 --> 02:13:53.560 hold on, wait, uh took a little information. I speak 2389 02:13:53.600 --> 02:13:57.239 to a supervisor. Then they told me that they were 2390 02:13:57.279 --> 02:14:01.680 in a meeting. Then uh, I said, wait, I'm waiting now, 2391 02:14:01.960 --> 02:14:05.520 I'm here exactly right now, and they just now came 2392 02:14:05.600 --> 02:14:08.239 out right when you came under the line, I know, 2393 02:14:08.399 --> 02:14:13.600 I came like, and what did they say? They're saying 2394 02:14:13.760 --> 02:14:16.159 that they're not responsible because I left? 2395 02:14:17.439 --> 02:14:18.079 What does that mean? 2396 02:14:18.119 --> 02:14:18.159 You? 2397 02:14:18.279 --> 02:14:20.960 What do you mean you left? What does that mean? 2398 02:14:21.359 --> 02:14:28.399 The incident happened yesterday at one fifteen. We were in 2399 02:14:28.520 --> 02:14:31.479 there to a well actually twelve fifteen. Between twelve fifteen 2400 02:14:31.479 --> 02:14:34.680 and one thirty four and one thirty four, I came out, 2401 02:14:34.720 --> 02:14:37.520 picked up the truck, went home, woke up this morning, 2402 02:14:37.640 --> 02:14:38.159 came out. 2403 02:14:38.039 --> 02:14:40.760 And see, Oh they're saying Tom that basically he's had 2404 02:14:40.800 --> 02:14:42.399 the truck the last twenty four hours. 2405 02:14:42.439 --> 02:14:43.520 How did they know they did. 2406 02:14:43.479 --> 02:14:47.359 The damage exactly exactly what they're saying. 2407 02:14:47.520 --> 02:14:48.920 I mean, that's a pretty fair question. 2408 02:14:48.960 --> 02:14:52.039 Well hold on, well, hold on, did they was that 2409 02:14:52.479 --> 02:14:55.199 they really take a lot like they take at least 2410 02:14:55.239 --> 02:14:59.199 six photos of each car. Was your car photographed? 2411 02:14:59.520 --> 02:15:03.800 It was, But even if it wasn't there, what they're 2412 02:15:03.840 --> 02:15:06.399 saying is it's there now, but it already left them. 2413 02:15:06.520 --> 02:15:06.680 Right. 2414 02:15:07.399 --> 02:15:10.319 Oh, I get it, I get it. I get it. 2415 02:15:10.439 --> 02:15:13.399 The photos probably don't show the damage, but the damage 2416 02:15:13.479 --> 02:15:14.520 is there the next day. 2417 02:15:14.680 --> 02:15:16.439 He didn't take photos when he picked up the car. 2418 02:15:16.520 --> 02:15:19.119 He took photos before he gave them the car. 2419 02:15:19.920 --> 02:15:24.640 Right, right, But he should have mentioned the scratch when 2420 02:15:24.680 --> 02:15:27.520 he picked up the car, because they're saying it could 2421 02:15:27.520 --> 02:15:31.000 have been done afterwards. But apparently he didn't see it 2422 02:15:31.079 --> 02:15:31.960 when he picked up the car. 2423 02:15:33.800 --> 02:15:34.000 I know. 2424 02:15:34.319 --> 02:15:39.359 But but if you look at the UC health guidelines, 2425 02:15:39.960 --> 02:15:43.079 they tell us to check the car's condition. 2426 02:15:45.560 --> 02:15:48.359 Yeah, I guess so. I never I wanted it was 2427 02:15:48.520 --> 02:15:50.399 my wife to be Okay, So that's all I was 2428 02:15:50.479 --> 02:15:51.479 thinking about at the time. 2429 02:15:51.880 --> 02:15:54.119 Let me ask you this, No, I get you, bro, 2430 02:15:54.880 --> 02:15:56.119 Where were you going out there? 2431 02:15:59.039 --> 02:16:02.119 We were going to cardiology. Is that's what you were asking? 2432 02:16:03.439 --> 02:16:06.720 Was it the outpatient pavilion, the cancer pavilion. 2433 02:16:06.760 --> 02:16:10.560 Which pavilion It's in the main building. 2434 02:16:12.159 --> 02:16:16.800 Okay, let me let me explain something. I know this 2435 02:16:16.960 --> 02:16:19.119 doesn't do you any good, but I want to explain 2436 02:16:19.239 --> 02:16:25.079 something specifically about UC Health Hospital's valet service. They've been 2437 02:16:25.199 --> 02:16:29.560 rated in the top five in the country, okay, and 2438 02:16:30.960 --> 02:16:36.440 for for service and for dependability. And I'm telling you 2439 02:16:36.600 --> 02:16:39.840 that I don't I don't know if they did it 2440 02:16:40.000 --> 02:16:43.559 or not. Okay, I don't know that. But really, where 2441 02:16:43.959 --> 02:16:47.840 was it on the car physically? Where is this scratch? 2442 02:16:48.559 --> 02:16:52.719 It's on the driver's side bumper and I'm already having 2443 02:16:52.719 --> 02:16:54.920 a ding on the bumper and I bought it that way, 2444 02:16:55.079 --> 02:16:59.280 but it goes into the actual body of the truck. 2445 02:17:01.000 --> 02:17:03.280 Okay, why didn't you notice it? 2446 02:17:05.440 --> 02:17:09.280 Well, they had like maybe fifty cars in this area 2447 02:17:09.440 --> 02:17:11.840 that you get the valet in. 2448 02:17:12.040 --> 02:17:14.520 No, you're right, you're right. They hand you the key 2449 02:17:14.680 --> 02:17:16.399 and they want you to get the heck out of there. 2450 02:17:17.719 --> 02:17:20.399 Yeah, and there was an issue with it because. 2451 02:17:22.000 --> 02:17:25.920 Hey, you know what, hold on, hey, Deputy Bow, Deputy Bow. 2452 02:17:26.040 --> 02:17:28.520 Let's see if we can give them a call and 2453 02:17:28.719 --> 02:17:32.159 just see what they say about it. Kevin Call can 2454 02:17:32.280 --> 02:17:35.399 share it in autotech dot com three ZHO three four five, 2455 02:17:35.479 --> 02:17:39.239 five seventy two. You can depend on him. Remember, save 2456 02:17:39.319 --> 02:17:40.399 all your problems for me.