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<v Speaker 1>Yeah, ripped dum, that's who you don't have.

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<v Speaker 2>Just as fast as.

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<v Speaker 1>We can shoot us, gonna help come.

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<v Speaker 3>Ma Dix is the Troubleshooter show. No Tom Martino, Hey.

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<v Speaker 4>Tom Martino here? Guess so I'm with John Fuller.

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<v Speaker 5>Fuller Law, Personal Injury plus a lot more. He's been

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<v Speaker 5>around so long he learns by osmosis, so he'll be

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<v Speaker 5>my co host today. Personal Injury CEO dot com and

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<v Speaker 5>the website has a lot of information. We got a

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<v Speaker 5>lot to talk about today. I like I like educating.

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<v Speaker 4>I like it. Do you need it up or down? John? Down? Okay,

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<v Speaker 4>let's see is that better? Okay?

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<v Speaker 5>We are talking about his headphone and if you're on

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<v Speaker 5>uh streaming, you can see us on the wide shot.

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<v Speaker 5>And we have a lot to talk about. I wanted

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<v Speaker 5>to get to it yesterday. I didn't get to it.

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<v Speaker 5>But there are a lot of issues in the news,

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<v Speaker 5>and you know a lot of times I like to

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<v Speaker 5>talk about things in terms of education, not necessarily taking

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<v Speaker 5>a stand, but in terms of education. And I did that,

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<v Speaker 5>like with Project twenty twenty five. You know, what exactly

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<v Speaker 5>does it say and who exactly embraces it? And then

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<v Speaker 5>I have some other issues that came up that I

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<v Speaker 5>think as consumers we become smarter. But I think you're

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<v Speaker 5>smart enough. I don't have to tell you where to

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<v Speaker 5>stand on any issue. Jan, though, wants to talk about

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<v Speaker 5>a he lock.

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<v Speaker 4>Excuse me.

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<v Speaker 5>A he lock is stands for home equity line of

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<v Speaker 5>credit h eloc.

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<v Speaker 4>Jan, take it away. What's going on? Fine?

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<v Speaker 2>Well, I have done helock home and it was sold

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<v Speaker 2>to a new mortgage company. And well, I would say

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<v Speaker 2>it was in July.

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<v Speaker 4>How long have you had Jan? How long have you

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<v Speaker 4>had a helock?

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<v Speaker 2>For a really long time? I got it from that

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<v Speaker 2>my bank, my way You're long? Okay?

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<v Speaker 4>No?

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<v Speaker 5>No, no, okay, so hold on, hold on? You did it

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<v Speaker 5>from my money myway dot com or what?

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<v Speaker 6>No?

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<v Speaker 4>It was excuse me, my bank. I know what you mean.

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<v Speaker 4>It's the CMG. Is it the CMG mortgage?

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<v Speaker 3>It should be.

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<v Speaker 4>That's a good one, Mark. Okay.

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<v Speaker 5>So here's what I want to know, though, And I

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<v Speaker 5>don't mean to be labor details.

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<v Speaker 4>But you also have a first is that right? Or

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<v Speaker 4>is all you have this keylock?

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<v Speaker 2>I just have a helock?

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<v Speaker 4>Okay? So okay, she's talking folks about normally helock. We

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<v Speaker 4>talk about a Helock.

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<v Speaker 5>In terms of a second, she has that original first

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<v Speaker 5>that CMG mortgage pioneered where you can pay as much

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<v Speaker 5>or as little as you want.

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<v Speaker 4>And it's kind of like a thirty year line of

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<v Speaker 4>credit where you pay it up. I mean, you borrow

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<v Speaker 4>it up, you pay it down, you borrow it up,

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<v Speaker 4>you pay it down, you.

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<v Speaker 5>Can pay interest only. It's really you're in control role.

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<v Speaker 5>And so what who did you get it from.

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<v Speaker 4>Back in the day when you had it?

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<v Speaker 2>Oh my gosh, I don't remember, because in that many years, Tom.

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<v Speaker 7>I think the only bank that has done those in

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<v Speaker 7>this country is c MG.

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<v Speaker 8>Okay okay, so probably who it was.

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<v Speaker 4>And did you do it as a result of hearing

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<v Speaker 4>it on this show?

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<v Speaker 2>I did?

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<v Speaker 5>Okay, okay, I had one. So so what's going on?

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<v Speaker 5>I think Deputy Doc has one too. But anyway, what's

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<v Speaker 5>going on?

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<v Speaker 2>Jan Well, so what's happened is when they sold it

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<v Speaker 2>to this new mortgage company. But they're they're you know,

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<v Speaker 2>it's supposed to be an interest only and then I've

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<v Speaker 2>always you know, added my own principal balance, principal work

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<v Speaker 2>into it. Sure now they've changed it into a regular mortgage.

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<v Speaker 4>No, no, no, they can't do that. No one can

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<v Speaker 4>change anything. Hold on, well, they have, no, I don't

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<v Speaker 4>think they have, only if you agreed to it somehow, Jan,

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<v Speaker 4>I know what happened. I know, Okay, let me explain

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<v Speaker 4>what I think happened. Many of the CMG helocks, the

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<v Speaker 4>thirty year lines of credit, they freeze at ten years

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<v Speaker 4>and become regularly amortized, right, Drake John, you looked into

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<v Speaker 4>that now or a lot of helocks do that now?

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<v Speaker 5>I think there's an option where at that ten year

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<v Speaker 5>mark you can refinance it.

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<v Speaker 4>But Mark, did you know that? And mine?

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<v Speaker 7>Well, I've got one, so mine doesn't work the way

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<v Speaker 7>you're talking about. Mine was through CMG. They did sell

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<v Speaker 7>it to some other bank, but it doesn't matter. The

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<v Speaker 7>bottom line is in ten years, depending on the equity

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<v Speaker 7>of the house, they'll take basically one percent a year.

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<v Speaker 7>So at ten years that would be ten percent less

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<v Speaker 7>than the amount.

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<v Speaker 4>That you started with.

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<v Speaker 7>Well, in other words, if you got a million dollars,

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<v Speaker 7>if you got a million dollar credit line, in ten years,

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<v Speaker 7>you would have a nine hundred thousand dollars credit line.

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<v Speaker 4>Jan, I'm I am almost positive.

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<v Speaker 5>Just because of laws, no one is going to do

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<v Speaker 5>anything illegally in any mortgage business unless they're crooks, and

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<v Speaker 5>these people aren't crooks, so we would have to see

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<v Speaker 5>what you're talking about. Did you get a notice saying

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<v Speaker 5>that you no longer have access to your line of credit?

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<v Speaker 2>No? So this Can I explain this to men?

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<v Speaker 4>Go ahead? Now, go ahead and explain So when Yeah.

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<v Speaker 2>When I received the first payment it was it was

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<v Speaker 2>a home equity line statement. Then the second statement I

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<v Speaker 2>received was a monthly billing statement, which was for August.

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<v Speaker 2>And I have called them on six different occasions. They

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<v Speaker 2>say their heelock department is so backed up they can't

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<v Speaker 2>even talk to themselves. They do everything, you know, they

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<v Speaker 2>do everything electronically to them and I'm not getting in.

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<v Speaker 2>I get the same answer.

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<v Speaker 7>Give me Mark, Can we get John on or I'm

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<v Speaker 7>three steps ahead.

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<v Speaker 4>He Kelly's going to be calling him in a second.

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<v Speaker 4>Put Jan on, Old Jan.

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<v Speaker 5>We have someone who's one of the largest marketers of

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<v Speaker 5>this loan in the area.

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<v Speaker 4>Now he's not with us. He actually works for CMG

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<v Speaker 4>as well.

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<v Speaker 5>Oh okay, I knew he was a broker, but he

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<v Speaker 5>actually works for them. Absolutely, Okay, then that's who we're

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<v Speaker 5>going to talk to. Hold on jan We'll get.

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<v Speaker 4>To the bottom of this.

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<v Speaker 5>Three oh three seven one three talk three oh three

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<v Speaker 5>seven one three A two five five. Mike has a

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<v Speaker 5>timeshare question what I lovingly refer to as.

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<v Speaker 4>Tough financial arpies. What's going on, man?

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<v Speaker 9>Can you hear me?

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<v Speaker 4>I ken? Mike?

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<v Speaker 10>Okay, So the deal is, my daughter and her ex.

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<v Speaker 11>Husband decided to go to Las Vegas.

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<v Speaker 12>They had a couple extra drinks.

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<v Speaker 11>They signed up for a time share.

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<v Speaker 4>Now, were they married at the time or was it

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<v Speaker 4>still her ex husband?

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<v Speaker 10>They were married at the time.

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<v Speaker 5>Okay, that's what I needed to know. So your daughter

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<v Speaker 5>and husband bought a timeshare.

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<v Speaker 11>Well they signed the paperwork.

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<v Speaker 4>Well that's called buying. That's called buying. So what happened then, Well,

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<v Speaker 4>they never used it.

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<v Speaker 10>They also were required to sign up for a credit

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<v Speaker 10>card to help pay for the down payment on it.

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<v Speaker 10>They never used it, they never activated it, they never

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<v Speaker 10>used the.

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<v Speaker 4>They still own it. Mike.

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<v Speaker 5>I know what you're trying to do. You're trying to

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<v Speaker 5>make a case that they never bought it. They bought it,

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<v Speaker 5>they just didn't. They just breached their contract. I'm trying

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<v Speaker 5>to cut to the chase so we can actually help you.

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<v Speaker 5>So most likely all of the paperwork was done properly.

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<v Speaker 5>They bought it, but they breached the contract.

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<v Speaker 4>They never made any payments. Is that correct?

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<v Speaker 11>That's correct?

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<v Speaker 10>And it was back in twenty seventeen.

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<v Speaker 5>Okay, hold on, okay, then what happened? Well, know, when

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<v Speaker 5>did they divorce? When did they divorce? When did they divorce?

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<v Speaker 6>I'd have to look that up.

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<v Speaker 10>It was about three or four years ago.

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<v Speaker 4>I'll say.

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<v Speaker 5>Okay, so let's just say twenty twenty. What happened then?

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<v Speaker 13>So now my daughter wants to buy a house, and

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<v Speaker 13>this timeshare thing that is coming up.

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<v Speaker 10>On there is right, you know there and so in

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<v Speaker 10>the divorce decree it was mentioned that the husband was

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<v Speaker 10>supposed to take care of the timeshare. Okay, and and

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<v Speaker 10>he never did.

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<v Speaker 7>Okay, means nothing to the timeshare compan Yeah, hold on, Mark,

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<v Speaker 7>let I was going to drop that bomb.

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<v Speaker 5>But se see, Mike, what Mark was alluding to is

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<v Speaker 5>divorce decrees cannot assign cannot make a creditor a sign responsibility.

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<v Speaker 11>They it was twenty team.

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<v Speaker 4>But hold on, just wait for let's take one thing

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<v Speaker 4>at a time.

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<v Speaker 5>The divorce decree can't tell a creditor don't go after

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<v Speaker 5>this one go after this one.

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<v Speaker 4>All they can do. All they can do is force.

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<v Speaker 5>An agreement between the husband and wife, which is not

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<v Speaker 5>totally bad because if he signed, if there was a

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<v Speaker 5>court to decree saying it was his responsibility, she has

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<v Speaker 5>a civil action against him to make him pay it.

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<v Speaker 5>But you can't make the timeshare people go after him

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<v Speaker 5>and not your daughter.

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<v Speaker 4>Yeah, it's no defense, no none at all.

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<v Speaker 7>And guys worse than that as far as the credit reporting,

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<v Speaker 7>because that's what she's dealing with now, even if it's paid,

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<v Speaker 7>it's still going to show that lack.

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<v Speaker 11>Yep.

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<v Speaker 5>Yeah, even if it's paid now, it's going to show

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<v Speaker 5>they never paid it now.

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<v Speaker 4>But then he has another point.

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<v Speaker 5>If it was twenty seventeen, when did it go into

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<v Speaker 5>default and when would it expire? So here's the reality

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<v Speaker 5>of this situation, Mike, and why it's staying there. Let's

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<v Speaker 5>say it went into default in eighteen. That's most likely

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<v Speaker 5>when it would have gone into default. That's then you

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<v Speaker 5>would count nineteen, twenty twenty one, twenty two, twenty three,

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<v Speaker 5>twenty four in this. In twenty twenty four, they reached

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<v Speaker 5>the six year mark, which means they can no longer

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<v Speaker 5>get a judgment in court to collect in Colorado. But

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<v Speaker 5>they may have signed this somewhere else where the laws

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<v Speaker 5>of another state are in effect. So where did they

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<v Speaker 5>sign it? Las Vegas, so Nevada law would take effect.

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<v Speaker 5>And I don't know what the statute is in Nevada

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<v Speaker 5>law for collection of debt, but let's just say it's the.

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<v Speaker 4>Same as Colorado.

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<v Speaker 5>And that means that this company cannot pursue a judgment

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<v Speaker 5>against your daughter, which is really good.

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<v Speaker 4>That means they can't garnish way. They can't do anything.

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<v Speaker 4>But what they can do is report it.

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<v Speaker 9>And that's what they're doing.

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<v Speaker 10>And that's the thing.

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<v Speaker 5>And it's going to continue to and in fact, she's

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<v Speaker 5>not going to be able to well, I'm sure people

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<v Speaker 5>will never ever relent on it.

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<v Speaker 7>There might one out might be have someone like Michael

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<v Speaker 7>Finn or even you, but someone attempt to offer them

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<v Speaker 7>a certain amount of money in a very careful way,

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<v Speaker 7>so it doesn't renew. To get rid of the credit reporting.

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<v Speaker 4>Yeah, you can negotiate something a payment.

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<v Speaker 11>They won't. They won't talk to us.

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<v Speaker 4>What is this showing up as? Is it showing up

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<v Speaker 4>as a foreclosure?

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<v Speaker 9>I don't know the specific to that.

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<v Speaker 5>It's most likely not, it's most likely showing up as

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<v Speaker 5>a default.

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<v Speaker 9>Yes, I think that's correct, Mike.

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<v Speaker 6>It's holding up the real estate transaction.

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<v Speaker 4>Well, it's absolutely going to I mean, this is what

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<v Speaker 4>you all. I think we should ask Finn time fees. Yeah,

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<v Speaker 4>but listen, Mark, Okay, what Finn is gonna tell us?

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<v Speaker 7>If I'm just saying, I guarantee he has run across

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<v Speaker 7>this exact reason more than any of us ever have,

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<v Speaker 7>and there must be some form of workaround or negotiation

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<v Speaker 7>or something.

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<v Speaker 5>Okay, but but let's okay, let's call him. You're right,

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<v Speaker 5>it's not going to hurt because there's a there's a

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<v Speaker 5>lot of wisdom in the more council we get right,

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<v Speaker 5>as the Bible says. So here's what I want to do.

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<v Speaker 5>I want to get as many opinion as possible, but

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<v Speaker 5>I want to ask something else, and that is are

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<v Speaker 5>the original timeshare people coming after you?

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<v Speaker 4>Or is it a separate company? Do you know.

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<v Speaker 10>Nobody's coming after him, It's just the fact that it's

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<v Speaker 10>holding up the.

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<v Speaker 11>To a realistic transaction.

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<v Speaker 5>Okay, hold on, Mark, can you tell Kachina during the

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<v Speaker 5>break where to fall?

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<v Speaker 4>And then we got CMG up, so we'll figure out

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<v Speaker 4>wine one.

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<v Speaker 5>Yeah, I'm going to talk to John Place with CMG

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<v Speaker 5>about the all in one loan, which, by the way,

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<v Speaker 5>in and of itself is a pretty damn good loan.

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<v Speaker 5>But what happened to Jan we'll figure it out. Plus,

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<v Speaker 5>we have John Fuller with us from Fuller Law. He

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<v Speaker 5>can talk personal injury or anything of course you want.

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<v Speaker 5>And then I want to tell you about the extraordinary

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<v Speaker 5>deal at waterpros dot net. We're talking about a whole

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<v Speaker 5>house softening end reverse osmosis purification for drinking the whole

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<v Speaker 5>thing for thirty one ninety five. Thirty one is incredible

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<v Speaker 5>because he was charging thirty four just for the softener

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<v Speaker 5>and fourteen hundred just for the pure water.

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<v Speaker 4>You get both for.

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<v Speaker 5>Thirty one ninety five while it lasts, and that's three

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00:13:55.440 --> 00:14:03.399
<v Speaker 5>oh three eight six, two five, five five four. Go

271
00:14:03.519 --> 00:14:07.240
<v Speaker 5>with a sure thing Denver's Best roofer Excel roofing dot com.

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00:14:07.279 --> 00:14:12.919
<v Speaker 5>You don't pay a cent until you're content, Wait time

273
00:14:12.960 --> 00:14:15.879
<v Speaker 5>for an insurance check up free, no obligation. In comparison,

274
00:14:16.000 --> 00:14:19.559
<v Speaker 5>call compass insurance paying too much your coverage at dozens

275
00:14:19.559 --> 00:14:22.279
<v Speaker 5>of insurance companies find out now three all three seven

276
00:14:22.399 --> 00:14:25.200
<v Speaker 5>seven to one help you'll think you're his only customer

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00:14:25.240 --> 00:14:27.519
<v Speaker 5>when you choose Frank durand the real estate man dot

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<v Speaker 5>com to list your home with Remax Alliance three all

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<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino

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<v Speaker 5>here three O three seven one three talks seven one

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<v Speaker 5>three eight two five five eight eight eight Heating dot Com.

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<v Speaker 5>You need going into the fall, you need someone dependable

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00:14:44.519 --> 00:14:47.840
<v Speaker 5>for your furnace or now for your air. You still

284
00:14:47.879 --> 00:14:50.039
<v Speaker 5>got a lot of heat eight eight eight Heating dot

285
00:14:50.080 --> 00:14:52.360
<v Speaker 5>are a lot of heat in the air, that is eight.

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<v Speaker 4>Eight eight Heating dot Com. Honest people, people we know,

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00:14:55.159 --> 00:14:58.480
<v Speaker 4>we've known for years. Eight eight eight Heating dot Com.

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<v Speaker 4>Let's talk. Now.

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<v Speaker 5>We have John plays with us. He's with CMG. CMG

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<v Speaker 5>invented this thing.

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<v Speaker 4>Actually, there was.

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<v Speaker 5>A mortgage bank in Australia, whatever it is. CMG is

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<v Speaker 5>the leader and they do these all on one loans

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<v Speaker 5>where you.

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<v Speaker 4>Can have flexibility paying the interest and principle you can

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<v Speaker 4>borrow money then pay it back all at once, or

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<v Speaker 4>pay back a.

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<v Speaker 5>Little or whatever. It's a great flexible line of credit.

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<v Speaker 5>John jan said it was sold. Now I'm not sure

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<v Speaker 5>if the actual loan was sold or just the servicing

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<v Speaker 5>of that loan, and she seems to indicate that it's

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<v Speaker 5>switching from a line of credit to a regular amortized product.

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<v Speaker 4>Have you heard of that?

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<v Speaker 6>Do you know how long ago she got the loan?

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<v Speaker 6>Because the ones that were done, like ten years ago,

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<v Speaker 6>some of them have been sold, but it's been a.

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<v Speaker 4>Long time now.

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<v Speaker 5>But when they were sold, were they did they at

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<v Speaker 5>any time?

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<v Speaker 4>Did the all in one loan.

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<v Speaker 5>Ever convert to a regular amortized product.

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<v Speaker 6>It did not, And people usually make a mistake after

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<v Speaker 6>ten years. What it does, It reduces your line at credit,

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<v Speaker 6>but it never it never converts to a regular amortized product.

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<v Speaker 5>No, okay, So Jan, how you got to help us

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<v Speaker 5>out here? How long have you had that loan?

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<v Speaker 2>Well, it was a thirty year loan, and I mean

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<v Speaker 2>I've had it for quite a while, like I would say,

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<v Speaker 2>probably twenty you know, twenty years, twenty plus years, John,

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<v Speaker 2>that was.

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<v Speaker 5>Back when we were doing that originally, probably you know,

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<v Speaker 5>back when she heard it on my show with you

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<v Speaker 5>and your brother.

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<v Speaker 4>That's what I'm thinking. And so would that be mocquery

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<v Speaker 4>or was that still CMG?

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<v Speaker 2>It was mcquar, It was McQuary, it was But are sourced.

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<v Speaker 6>Who's servicing the loan now? Is it over Riverstone.

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<v Speaker 2>Is now it's being serviced by They just sold it

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<v Speaker 2>I less service. It was serviced by Specialized Loan SERVICEME

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<v Speaker 2>and in July they sold it to Shell Point.

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<v Speaker 11>Yep.

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<v Speaker 2>And the reason why, opinion they've.

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<v Speaker 5>Okay, jan the reason you believe it converted to a regular.

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<v Speaker 2>Loan is why is because now they're charging me principal

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<v Speaker 2>and interest.

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<v Speaker 6>So what they do, so how the loan product works

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<v Speaker 6>even back then, was after ten years. So let's say

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<v Speaker 6>you had a two hundred thousand dollars loan after ten years.

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<v Speaker 6>Also on one hundred and the one hundred and twenty

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<v Speaker 6>first month, they start reducing the line of credit by

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<v Speaker 6>one two and fortieth every month, so it almost people

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<v Speaker 6>think it's a Princeville interestainment. But what it is, it's

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<v Speaker 6>a forced zero balance after thirty years, but payment goes

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<v Speaker 6>up because they're making you pay. It's a forced payoff

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<v Speaker 6>after thirty years.

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<v Speaker 5>So okay, So what they're trying to do is collect

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<v Speaker 5>enough principles so at the end of thirty years she's

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<v Speaker 5>paid up. But then doesn't that defeat the purpose though?

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<v Speaker 5>Isn't that then isn't that truly just a regular mortgage?

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<v Speaker 5>Or can she still borrow from it?

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<v Speaker 6>If she can still borrow if she has equally Typically

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00:18:23.599 --> 00:18:26.119
<v Speaker 6>most people have paid it down enough that they still

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<v Speaker 6>have the equity that they can borrow.

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<v Speaker 4>Okay, and what's the loan what's the loan to value

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<v Speaker 4>that they figure that on?

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<v Speaker 6>Oh well it was kind of when you started, so

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<v Speaker 6>we could have been at eighty percent. So if she's

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<v Speaker 6>max so.

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<v Speaker 5>So, but do they go by the original value or

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<v Speaker 5>the current value?

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<v Speaker 9>Original?

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<v Speaker 5>Can she refle so she can just refy if she

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<v Speaker 5>needed to, right.

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<v Speaker 6>Oh, she can refine. The banking system is great now.

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<v Speaker 6>I mean it's we've we've updated it. It's one hundred

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<v Speaker 6>percent better than what happened with this shell point. And

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<v Speaker 6>because they're they're not a good serviceer, and we don't

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00:19:05.880 --> 00:19:09.279
<v Speaker 6>use them anymore. We haven't used them since back fifteen

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<v Speaker 6>years ago.

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<v Speaker 5>Yeah, so John, you could refy this loan with her,

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<v Speaker 5>probably and get her into the new version.

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<v Speaker 11>I could, yes, yeah, And then she.

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<v Speaker 5>Would reset the clock and she wouldn't have to do

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<v Speaker 5>the one tote two hundred and fortieth of it.

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<v Speaker 6>Correct correct, and we could set it to where she

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00:19:27.880 --> 00:19:30.519
<v Speaker 6>wanted to line of credit. They'll pay it down just

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00:19:30.559 --> 00:19:33.559
<v Speaker 6>as fast as you want. But yeah, just right now,

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00:19:33.599 --> 00:19:36.400
<v Speaker 6>she's getting to the tail end of the loan. Where

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00:19:36.799 --> 00:19:38.200
<v Speaker 6>if she if she.

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00:19:38.359 --> 00:19:40.319
<v Speaker 5>Yeah, because it's a thirty year line of credit. She

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00:19:40.319 --> 00:19:43.480
<v Speaker 5>had it twenty years, so naturally, Jan, they're trying to

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00:19:43.519 --> 00:19:47.039
<v Speaker 5>collect some minimum principle. And if you had more equity,

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00:19:47.440 --> 00:19:49.960
<v Speaker 5>you would still be able to borrow. So I don't

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00:19:50.000 --> 00:19:53.279
<v Speaker 5>think anything is wrong with what is going on. I

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00:19:53.359 --> 00:19:56.839
<v Speaker 5>just think that you need to get rid of it

386
00:19:56.920 --> 00:19:59.400
<v Speaker 5>and do and just refinance it because your house went

387
00:19:59.440 --> 00:20:00.000
<v Speaker 5>up in Valley.

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00:20:01.359 --> 00:20:02.240
<v Speaker 6>It's just fine with me.

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00:20:02.359 --> 00:20:03.720
<v Speaker 2>I want out of this group.

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00:20:04.880 --> 00:20:07.160
<v Speaker 5>Okay, Well listen, let me give you. Let me give

391
00:20:07.200 --> 00:20:09.960
<v Speaker 5>you CMG all in one number. Is this number good?

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00:20:10.000 --> 00:20:15.400
<v Speaker 5>The five seven seven number? John, where's that yourself? What's that?

393
00:20:15.400 --> 00:20:17.720
<v Speaker 6>That's my direct office? That's good, that's good.

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00:20:18.119 --> 00:20:23.799
<v Speaker 5>Three h three five seven seven seven to zero six.

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00:20:24.400 --> 00:20:26.160
<v Speaker 4>Hey. I got a quick question for John.

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00:20:26.559 --> 00:20:29.759
<v Speaker 7>When when she did get that sold to either another

397
00:20:29.839 --> 00:20:32.960
<v Speaker 7>bank or a servicing company, if she was offsetting with

398
00:20:33.000 --> 00:20:36.720
<v Speaker 7>her income into the old bank's checking account, does she

399
00:20:36.759 --> 00:20:39.599
<v Speaker 7>gotta does she got to open up a new checking account?

400
00:20:39.599 --> 00:20:41.640
<v Speaker 4>How does that part work? I think John'll take care

401
00:20:41.640 --> 00:20:42.160
<v Speaker 4>of all I go.

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00:20:42.119 --> 00:20:45.680
<v Speaker 6>Ahead, Yeah, we will. We will because right right now

403
00:20:45.720 --> 00:20:48.519
<v Speaker 6>the banking services that's what's in the last five years

404
00:20:48.599 --> 00:20:52.119
<v Speaker 6>is just accelerated, and you'll want to do that. Yes,

405
00:20:52.279 --> 00:20:56.039
<v Speaker 6>we will probably shut that banking countdown completely and start

406
00:20:56.079 --> 00:20:58.319
<v Speaker 6>a new one. She doesn't have to, but that would

407
00:20:58.359 --> 00:20:59.200
<v Speaker 6>be best for her.

408
00:20:59.519 --> 00:21:00.000
<v Speaker 11>Mostly.

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<v Speaker 5>Thank you guys, Thank you John Clace.

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00:21:02.480 --> 00:21:05.720
<v Speaker 4>We appreciate that very much. And by the way, speaking

411
00:21:05.720 --> 00:21:06.480
<v Speaker 4>of real estate.

412
00:21:06.319 --> 00:21:08.640
<v Speaker 5>Frank durand the real Estateman dot com will do a

413
00:21:08.720 --> 00:21:11.160
<v Speaker 5>valuation of your home to see what it's worth in

414
00:21:11.200 --> 00:21:14.440
<v Speaker 5>this current market with current interest rates. If you're thinking

415
00:21:14.480 --> 00:21:17.079
<v Speaker 5>of selling, there is no obligation to ask him. He'll

416
00:21:17.119 --> 00:21:18.200
<v Speaker 5>do a complete analysis.

417
00:21:18.240 --> 00:21:22.880
<v Speaker 4>Three all three nine two zero sixteen twenty two.

418
00:21:25.519 --> 00:21:28.759
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

419
00:21:28.880 --> 00:21:29.440
<v Speaker 5>dot com.

420
00:21:29.480 --> 00:21:31.519
<v Speaker 4>You don't pay a cent until you're content.

421
00:21:33.079 --> 00:21:38.079
<v Speaker 5>Wait time for an insurance checkup free no obligation comparison

422
00:21:38.200 --> 00:21:41.759
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

423
00:21:41.759 --> 00:21:44.519
<v Speaker 5>of insurance companies find out now three all three seven

424
00:21:44.599 --> 00:21:47.440
<v Speaker 5>seven to one help. You'll think you're his only customer

425
00:21:47.440 --> 00:21:50.119
<v Speaker 5>when you choose Frank durand the Real Estateman dot com

426
00:21:50.160 --> 00:21:53.240
<v Speaker 5>to list your home with Remax Alliance three all three

427
00:21:53.359 --> 00:22:03.480
<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martino here

428
00:22:03.839 --> 00:22:08.039
<v Speaker 5>with John Fuller Fuller Law Personal Injuryco dot com.

429
00:22:08.200 --> 00:22:09.880
<v Speaker 4>Hey Mike with the timeshare.

430
00:22:09.880 --> 00:22:11.759
<v Speaker 5>You don't have to pull them up with Mike, where

431
00:22:11.759 --> 00:22:14.240
<v Speaker 5>you're going to get you back on when we can

432
00:22:14.279 --> 00:22:17.599
<v Speaker 5>get our time share attorney on to talk about your

433
00:22:17.640 --> 00:22:20.079
<v Speaker 5>situation with your daughter. Right now, I want to go

434
00:22:20.119 --> 00:22:22.119
<v Speaker 5>on to the other some other people that have been

435
00:22:22.279 --> 00:22:27.000
<v Speaker 5>waiting a while. Adam has an issue with the Guitar Center.

436
00:22:27.000 --> 00:22:27.920
<v Speaker 4>What's going on? Adam?

437
00:22:28.319 --> 00:22:31.240
<v Speaker 5>I must say, I don't think I've ever had an

438
00:22:31.279 --> 00:22:34.519
<v Speaker 5>issue with Guitar Center before, so this is a first.

439
00:22:34.559 --> 00:22:35.279
<v Speaker 4>What's happening?

440
00:22:37.839 --> 00:22:38.319
<v Speaker 11>All right?

441
00:22:38.640 --> 00:22:39.079
<v Speaker 12>Can you hear me?

442
00:22:39.200 --> 00:22:39.400
<v Speaker 6>Right?

443
00:22:39.640 --> 00:22:41.319
<v Speaker 4>I sure can? Man, what's going on?

444
00:22:42.720 --> 00:22:42.799
<v Speaker 2>So?

445
00:22:43.079 --> 00:22:44.640
<v Speaker 11>I bought a I've.

446
00:22:44.480 --> 00:22:48.039
<v Speaker 13>Been as guitar from Guitar Center in October and I

447
00:22:48.119 --> 00:22:50.319
<v Speaker 13>bought the warranty with it. And they've been kind of

448
00:22:50.319 --> 00:22:53.759
<v Speaker 13>tiptoe around actually using the warranty.

449
00:22:53.680 --> 00:22:54.160
<v Speaker 4>For what I was.

450
00:22:54.279 --> 00:22:56.920
<v Speaker 5>Now, now let me just say something. They're really big

451
00:22:56.960 --> 00:23:00.559
<v Speaker 5>on selling those warranties. I bought one, bought a guitar

452
00:23:00.599 --> 00:23:03.799
<v Speaker 5>for my son or two of them, and they really

453
00:23:03.839 --> 00:23:07.559
<v Speaker 5>pushed those warranties, but we've never had to use it.

454
00:23:08.079 --> 00:23:10.960
<v Speaker 4>So tell me when you say you're having trouble, what

455
00:23:11.000 --> 00:23:11.480
<v Speaker 4>do you mean?

456
00:23:12.839 --> 00:23:16.319
<v Speaker 13>Okay, So when I first bought it, they they told

457
00:23:16.359 --> 00:23:18.519
<v Speaker 13>me that I could either get my money back in

458
00:23:18.599 --> 00:23:20.640
<v Speaker 13>full for the guitar, which was huge, or I could

459
00:23:20.640 --> 00:23:22.640
<v Speaker 13>just get a brandy replacement from the manufacturer.

460
00:23:22.680 --> 00:23:25.279
<v Speaker 5>Well, I never heard of a refund on those, and

461
00:23:25.440 --> 00:23:28.640
<v Speaker 5>I'm not telling you you don't have that, but I've

462
00:23:28.680 --> 00:23:30.119
<v Speaker 5>never heard of that before.

463
00:23:31.359 --> 00:23:35.559
<v Speaker 4>Right now, are you sure? Wait? Are you sure they

464
00:23:35.640 --> 00:23:38.519
<v Speaker 4>said a refund mark? Have you ever heard of those

465
00:23:39.319 --> 00:23:39.640
<v Speaker 4>on that?

466
00:23:40.119 --> 00:23:42.079
<v Speaker 7>I don't know why they'd call it a warranty. It

467
00:23:42.119 --> 00:23:43.680
<v Speaker 7>sounds more like a guarantee.

468
00:23:43.799 --> 00:23:46.799
<v Speaker 4>No, I haven't. I mean, so, so, do you have

469
00:23:46.920 --> 00:23:49.640
<v Speaker 4>it in writing where you can look at it? I

470
00:23:49.759 --> 00:23:54.599
<v Speaker 4>have mine on a go ahead, So I have.

471
00:23:54.599 --> 00:23:56.960
<v Speaker 13>The receipt with the warranty, but I have my friend

472
00:23:57.039 --> 00:23:59.599
<v Speaker 13>who was there with me, who can also verify that

473
00:23:59.640 --> 00:24:01.440
<v Speaker 13>they promised me a refund in camera.

474
00:24:01.519 --> 00:24:05.079
<v Speaker 5>Well, John Fuller, if they promise them a refunding cash

475
00:24:05.119 --> 00:24:07.359
<v Speaker 5>and it's not in the warranty, and his friend says, yeah,

476
00:24:07.400 --> 00:24:10.160
<v Speaker 5>they said it. I mean let's get right to it.

477
00:24:10.200 --> 00:24:11.759
<v Speaker 5>Can they enforce that kind of thing?

478
00:24:12.599 --> 00:24:13.119
<v Speaker 14>Probably not.

479
00:24:13.720 --> 00:24:15.960
<v Speaker 4>I listen, you're gonna have a real.

480
00:24:17.240 --> 00:24:18.119
<v Speaker 14>Why didn't you take that?

481
00:24:18.519 --> 00:24:21.519
<v Speaker 4>Or yeah, let's talk about the issue. What's going on?

482
00:24:21.599 --> 00:24:23.160
<v Speaker 4>Did did you want a refund?

483
00:24:23.200 --> 00:24:23.279
<v Speaker 11>Is?

484
00:24:23.319 --> 00:24:24.599
<v Speaker 4>That's what's happening right now.

485
00:24:26.240 --> 00:24:28.480
<v Speaker 13>I'm really I don't care about the refund, but at

486
00:24:28.480 --> 00:24:30.440
<v Speaker 13>this point I want some sort of conclusion because it's

487
00:24:30.440 --> 00:24:31.519
<v Speaker 13>been going on for three months.

488
00:24:31.559 --> 00:24:33.759
<v Speaker 5>What's wrong with the's? What's wrong with the guitar?

489
00:24:34.799 --> 00:24:35.160
<v Speaker 11>Gotcha?

490
00:24:35.240 --> 00:24:35.599
<v Speaker 9>Yeah?

491
00:24:35.640 --> 00:24:38.359
<v Speaker 6>So it's it's a hybrid, it's acoustic.

492
00:24:37.880 --> 00:24:41.599
<v Speaker 13>Electric, and the internals for the guitar he's getting unsoldered,

493
00:24:41.640 --> 00:24:44.119
<v Speaker 13>which I looked up as a factory error from that.

494
00:24:44.160 --> 00:24:47.839
<v Speaker 5>Guitar Ibanez has A. I didn't even know they made that.

495
00:24:48.079 --> 00:24:51.799
<v Speaker 5>So they make an acoustic electric and so how long

496
00:24:51.839 --> 00:24:52.920
<v Speaker 5>ago did you buy it?

497
00:24:54.359 --> 00:24:58.160
<v Speaker 13>I bought it October eleventh of last year?

498
00:24:59.440 --> 00:25:03.440
<v Speaker 4>Okay, and go ahead? Did they will? They not even

499
00:25:03.519 --> 00:25:04.039
<v Speaker 4>fix it?

500
00:25:05.559 --> 00:25:05.759
<v Speaker 11>Yeah?

501
00:25:05.799 --> 00:25:08.880
<v Speaker 13>So what's going on is I've talked to for the

502
00:25:09.039 --> 00:25:11.319
<v Speaker 13>the past three months, I've talked to four different guitar

503
00:25:11.400 --> 00:25:13.680
<v Speaker 13>center employees, and I finally ended up with the assistant

504
00:25:13.680 --> 00:25:18.400
<v Speaker 13>manager who told me that he could give me. He

505
00:25:18.440 --> 00:25:20.599
<v Speaker 13>told me he can replace the guitar, and if they

506
00:25:20.640 --> 00:25:22.599
<v Speaker 13>try to fix the guitar, he would do an under

507
00:25:22.640 --> 00:25:24.759
<v Speaker 13>the table swap and just give me a brand new one.

508
00:25:25.200 --> 00:25:25.519
<v Speaker 11>Yeah.

509
00:25:25.599 --> 00:25:27.559
<v Speaker 9>So he've been emailing back and forth about that.

510
00:25:28.039 --> 00:25:31.519
<v Speaker 13>But two days ago he told me it's being fixed,

511
00:25:31.519 --> 00:25:33.680
<v Speaker 13>and that there was. He gave me no update on

512
00:25:33.720 --> 00:25:36.720
<v Speaker 13>if I would get a new guitar, which is unfortunate

513
00:25:36.759 --> 00:25:40.559
<v Speaker 13>because the guys, it's going to keep happening. If they

514
00:25:40.559 --> 00:25:42.559
<v Speaker 13>fix it, the guitar is going to keep breaking since

515
00:25:42.559 --> 00:25:43.920
<v Speaker 13>it's a factory error if.

516
00:25:43.799 --> 00:25:46.119
<v Speaker 5>They no hold on, Hold on, that's not true at all.

517
00:25:46.480 --> 00:25:48.640
<v Speaker 5>If it's a factory error and they fix it, why

518
00:25:48.640 --> 00:25:49.640
<v Speaker 5>would it keep happening?

519
00:25:49.720 --> 00:25:52.039
<v Speaker 4>Tell me why I need You mean, if they just

520
00:25:52.160 --> 00:25:52.799
<v Speaker 4>replaced the.

521
00:25:52.720 --> 00:25:57.079
<v Speaker 5>Board, right, because the and how do you know the

522
00:25:57.079 --> 00:26:02.680
<v Speaker 5>board hasn't been hasn't been improved since or do you

523
00:26:02.720 --> 00:26:04.119
<v Speaker 5>think they're not addressing it?

524
00:26:05.559 --> 00:26:07.920
<v Speaker 13>I think they're not addressing it because it's when I

525
00:26:07.960 --> 00:26:10.640
<v Speaker 13>first bought the guitar. There was also damage on the

526
00:26:10.680 --> 00:26:12.680
<v Speaker 13>bottom of it too, which I asked if I could

527
00:26:12.680 --> 00:26:13.599
<v Speaker 13>get a discount.

528
00:26:13.599 --> 00:26:16.000
<v Speaker 7>Okay, hold on, guys, let me let me shed Let

529
00:26:16.039 --> 00:26:18.079
<v Speaker 7>me shed a little info on this. Because I just

530
00:26:18.119 --> 00:26:21.640
<v Speaker 7>read their warranty. I'll tell you where they're having an issue.

531
00:26:21.759 --> 00:26:26.519
<v Speaker 7>Their warranty does not cover manufacturer's defects. So that warranty

532
00:26:26.680 --> 00:26:31.720
<v Speaker 7>does not cover the problem you're having, does the hold on?

533
00:26:32.039 --> 00:26:35.640
<v Speaker 4>Does the manufacturer cover it? And that I couldn't tell

534
00:26:35.640 --> 00:26:36.799
<v Speaker 4>you because I don't know im.

535
00:26:37.119 --> 00:26:42.400
<v Speaker 5>Now listen, I will tell you that I did buy

536
00:26:42.440 --> 00:26:47.079
<v Speaker 5>two of these warranties, and they did tell me that

537
00:26:47.599 --> 00:26:50.880
<v Speaker 5>if the factory doesn't cover it, I'm covered anyway, and

538
00:26:50.960 --> 00:26:53.440
<v Speaker 5>it goes beyond the factory warranty.

539
00:26:53.240 --> 00:26:58.200
<v Speaker 7>Just explicitly says in the event of product experiences of breakdown,

540
00:26:58.559 --> 00:27:03.000
<v Speaker 7>which is not covered by any other insurance policy or

541
00:27:03.200 --> 00:27:06.160
<v Speaker 7>manufacturer warranty, did you cover it?

542
00:27:06.599 --> 00:27:09.599
<v Speaker 4>Okay, but hold on it. They'll cover it if it doesn't.

543
00:27:09.720 --> 00:27:13.440
<v Speaker 5>So so if it's out of the manufacturer's warranty.

544
00:27:13.079 --> 00:27:15.119
<v Speaker 4>They will cover it. That's right. But he said he

545
00:27:15.319 --> 00:27:17.319
<v Speaker 4>just bought it. I assume they have a year one

546
00:27:17.400 --> 00:27:20.200
<v Speaker 4>year war under the factory warranty or not.

547
00:27:21.799 --> 00:27:25.000
<v Speaker 13>So. So for this guitar, it's called the ivan AZD

548
00:27:25.119 --> 00:27:28.359
<v Speaker 13>ten N and it has a lifetime warranty with ivan Az,

549
00:27:28.400 --> 00:27:30.880
<v Speaker 13>which I found out later without from buying.

550
00:27:31.000 --> 00:27:33.279
<v Speaker 5>So you didn't even need the Guitar Center warrant to

551
00:27:33.359 --> 00:27:34.240
<v Speaker 5>warranty a waste.

552
00:27:34.599 --> 00:27:37.240
<v Speaker 4>Correct, it screwed.

553
00:27:36.880 --> 00:27:39.880
<v Speaker 7>Them, I mean really because they won't even fix it.

554
00:27:40.440 --> 00:27:43.319
<v Speaker 4>Now listen, if it has, did you buy the pro

555
00:27:43.400 --> 00:27:45.079
<v Speaker 4>coverage by the way, from Guitar Center.

556
00:27:46.480 --> 00:27:48.200
<v Speaker 6>I was only told there was one option.

557
00:27:48.640 --> 00:27:49.960
<v Speaker 4>That's it. That's what it's called.

558
00:27:50.160 --> 00:27:53.319
<v Speaker 5>Okay, now, okay, we need to get to the bottom

559
00:27:53.319 --> 00:27:57.519
<v Speaker 5>of this. Is I been as refusing Ibanez needs to

560
00:27:57.559 --> 00:27:59.799
<v Speaker 5>fix it under warranty if you have a lifetime warranty,

561
00:27:59.839 --> 00:28:01.160
<v Speaker 5>I be as needs to fix it.

562
00:28:01.680 --> 00:28:03.960
<v Speaker 7>And that's why they're seeing. They'll do it under the table.

563
00:28:04.000 --> 00:28:06.279
<v Speaker 7>And they don't even own that warranty in house. They

564
00:28:06.400 --> 00:28:09.240
<v Speaker 7>use as Sureion, which sells these for everything.

565
00:28:09.279 --> 00:28:10.200
<v Speaker 4>You can imagine.

566
00:28:10.319 --> 00:28:12.400
<v Speaker 14>I would want my money back on that warranty.

567
00:28:12.839 --> 00:28:15.119
<v Speaker 5>Yes, for sure, you should get your money back on

568
00:28:15.160 --> 00:28:19.200
<v Speaker 5>that warranty, except that warranty would no wait wait wait

569
00:28:19.240 --> 00:28:20.720
<v Speaker 5>wait wait, accept.

570
00:28:20.279 --> 00:28:22.079
<v Speaker 4>That warranty, that pro coverage.

571
00:28:22.440 --> 00:28:26.319
<v Speaker 15>If he dropped that guitar, if it covers damage, it would.

572
00:28:26.160 --> 00:28:29.400
<v Speaker 5>You know, if he dropped the guitar, it would replace it.

573
00:28:29.519 --> 00:28:30.720
<v Speaker 14>Then you won't get your money back.

574
00:28:31.240 --> 00:28:34.680
<v Speaker 5>Adam Adam man, you you need to we need to

575
00:28:34.720 --> 00:28:35.440
<v Speaker 5>call iban As.

576
00:28:35.480 --> 00:28:37.480
<v Speaker 4>I mean, have you talked to Ibanz.

577
00:28:39.079 --> 00:28:39.720
<v Speaker 6>I have not.

578
00:28:39.880 --> 00:28:43.000
<v Speaker 13>But when me and the assistant manager kept messaging back

579
00:28:43.000 --> 00:28:47.359
<v Speaker 13>and forth, he said that in the email, it says

580
00:28:47.359 --> 00:28:52.720
<v Speaker 13>they're gonna it, says see, I haven't. Those official guys

581
00:28:52.720 --> 00:28:54.359
<v Speaker 13>are going to be on the ones working on it.

582
00:28:54.440 --> 00:28:56.920
<v Speaker 13>But since I don't really have faith in that, because

583
00:28:56.920 --> 00:28:59.799
<v Speaker 13>the guitar has broken three times with the same issue,

584
00:29:00.759 --> 00:29:01.960
<v Speaker 13>I'm not, well.

585
00:29:01.880 --> 00:29:04.799
<v Speaker 15>Hold on you should you take it?

586
00:29:04.839 --> 00:29:07.119
<v Speaker 5>Did they fix it? Because they didn't offer it. They

587
00:29:07.160 --> 00:29:09.200
<v Speaker 5>said it, but they didn't really come through with it.

588
00:29:09.440 --> 00:29:12.000
<v Speaker 5>You said they fixed it. Did they actually fix it

589
00:29:12.039 --> 00:29:12.799
<v Speaker 5>three times?

590
00:29:14.279 --> 00:29:14.519
<v Speaker 14>No?

591
00:29:14.519 --> 00:29:16.640
<v Speaker 13>No, No, I took it to a different guitar shop

592
00:29:16.720 --> 00:29:17.480
<v Speaker 13>to get it repaired.

593
00:29:17.599 --> 00:29:20.839
<v Speaker 5>Well, no, I'm sorry that you can't blame them for that.

594
00:29:21.319 --> 00:29:24.279
<v Speaker 5>You need to let I've been as fix it under

595
00:29:24.319 --> 00:29:27.960
<v Speaker 5>their lifetime warranty before you start saying they can't fix it.

596
00:29:28.119 --> 00:29:30.240
<v Speaker 4>I mean I can't. I can't work with that.

597
00:29:30.400 --> 00:29:35.000
<v Speaker 5>I can't work with you thinking automatically it's not going

598
00:29:35.039 --> 00:29:35.480
<v Speaker 5>to get.

599
00:29:35.319 --> 00:29:39.039
<v Speaker 4>Fixed because you didn't even give them. They have not even.

600
00:29:38.920 --> 00:29:44.720
<v Speaker 5>Had one chance to fix it, right, Well, let's give

601
00:29:44.799 --> 00:29:50.640
<v Speaker 5>them one chance. You're right, I mean, where's that circuit

602
00:29:50.640 --> 00:29:53.759
<v Speaker 5>board located. I'm trying to I can picture an acoustic

603
00:29:53.799 --> 00:29:54.400
<v Speaker 5>electric guitar.

604
00:29:54.480 --> 00:29:55.920
<v Speaker 4>Where's the circuit board located?

605
00:29:56.400 --> 00:29:59.119
<v Speaker 5>Is it right below the knobs? Is it what the

606
00:29:59.240 --> 00:30:00.160
<v Speaker 5>knobs screw into?

607
00:30:00.240 --> 00:30:02.279
<v Speaker 4>Right there? Is that? Is that what it is?

608
00:30:02.519 --> 00:30:05.200
<v Speaker 13>Let's see it's let me get the image.

609
00:30:05.880 --> 00:30:08.240
<v Speaker 5>I'm just curious where it goes. I think is right

610
00:30:08.279 --> 00:30:09.279
<v Speaker 5>near the control knobs.

611
00:30:09.319 --> 00:30:12.960
<v Speaker 13>Right, Yeah, it's just slightly under the.

612
00:30:12.960 --> 00:30:16.640
<v Speaker 5>Knobs, right right, that's where it is, right, Okay, you

613
00:30:16.640 --> 00:30:19.440
<v Speaker 5>know that can't be brain damage. For goodness sakes, I mean,

614
00:30:19.480 --> 00:30:22.160
<v Speaker 5>I I mean, even if they had bad soddering or

615
00:30:22.240 --> 00:30:26.920
<v Speaker 5>bad whatever printing on these things, they're they're they're they

616
00:30:26.960 --> 00:30:30.240
<v Speaker 5>really really should have a handle on fixing that. By now,

617
00:30:30.559 --> 00:30:33.039
<v Speaker 5>I would give iban as if you have problem with Ibanez,

618
00:30:33.079 --> 00:30:34.200
<v Speaker 5>we'll call them and get involved.

619
00:30:34.200 --> 00:30:35.839
<v Speaker 4>But I think you need to give them at least

620
00:30:35.880 --> 00:30:36.920
<v Speaker 4>a chance to fix it.

621
00:30:37.400 --> 00:30:40.559
<v Speaker 5>By the way, nowhere do I see a cash refund

622
00:30:40.720 --> 00:30:42.000
<v Speaker 5>anywhere at all?

623
00:30:42.119 --> 00:30:46.039
<v Speaker 4>None? Zero. So I don't know why someone told you that.

624
00:30:46.559 --> 00:30:50.119
<v Speaker 4>But if ever, I mean, you've got to verify everything

625
00:30:50.160 --> 00:30:54.599
<v Speaker 4>people tell you, because it's just going to be impossible

626
00:30:54.640 --> 00:30:57.200
<v Speaker 4>to prove it. I'm Tom Martinez. We have more coming up.

627
00:31:01.519 --> 00:31:04.799
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

628
00:31:04.880 --> 00:31:07.559
<v Speaker 5>dot com. You don't pay a cent until you're content.

629
00:31:10.920 --> 00:31:14.119
<v Speaker 5>Time for an insurance checkup free, no obligation. In comparison,

630
00:31:14.240 --> 00:31:17.799
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

631
00:31:17.799 --> 00:31:20.559
<v Speaker 5>of insurance companies find out now three O three seven

632
00:31:20.519 --> 00:31:22.880
<v Speaker 5>to seven to one help. You'll think you're his only

633
00:31:23.000 --> 00:31:25.480
<v Speaker 5>customer when you choose Frank durand the real estate Man

634
00:31:25.519 --> 00:31:28.880
<v Speaker 5>dot com to list your home with Remax Alliance three

635
00:31:28.960 --> 00:31:33.680
<v Speaker 5>oh three nine two zero sixteen twenty two. Okay, some

636
00:31:33.720 --> 00:31:38.920
<v Speaker 5>programming notes here, I just got texted about the qchole

637
00:31:38.920 --> 00:31:43.039
<v Speaker 5>house fan and tom for pollen in your area and

638
00:31:43.119 --> 00:31:48.319
<v Speaker 5>for debris and allergens. You do recommend Heppa screens, Yes,

639
00:31:48.359 --> 00:31:51.200
<v Speaker 5>I do. They make them for windows. You don't need

640
00:31:51.240 --> 00:31:53.039
<v Speaker 5>them in most times.

641
00:31:53.359 --> 00:31:55.599
<v Speaker 4>But if you have a lot of pollen and stuff

642
00:31:55.599 --> 00:31:58.240
<v Speaker 4>and you notice it's coming into the home, Heppi screens

643
00:31:58.319 --> 00:31:59.640
<v Speaker 4>can filter. It's a great idea.

644
00:31:59.640 --> 00:32:01.759
<v Speaker 5>In fact, a lot of people do Hepa screens even

645
00:32:01.799 --> 00:32:04.680
<v Speaker 5>without a whole house fan, just to filter air coming

646
00:32:04.680 --> 00:32:07.680
<v Speaker 5>into their home. It's a great idea, by the way. Okay,

647
00:32:07.839 --> 00:32:10.680
<v Speaker 5>so let's continue. Now, we have John Fuller from Fuller

648
00:32:10.720 --> 00:32:13.799
<v Speaker 5>Law with us, and I do have a text for him, John,

649
00:32:13.920 --> 00:32:16.480
<v Speaker 5>are here's what somebody wants to know. Is there a

650
00:32:16.480 --> 00:32:20.000
<v Speaker 5>threshold you recommend people get an attorney for personal injury?

651
00:32:20.319 --> 00:32:23.039
<v Speaker 5>That's a weird loaded question because I have a thousand

652
00:32:23.119 --> 00:32:24.559
<v Speaker 5>other questions on that, but go ahead.

653
00:32:26.119 --> 00:32:29.599
<v Speaker 15>Well, I mean, it really comes down to what your

654
00:32:29.599 --> 00:32:34.240
<v Speaker 15>tolerance is for, you know, to put up with here.

655
00:32:34.319 --> 00:32:36.960
<v Speaker 15>I mean, as I said yesterday, I mean, if you're

656
00:32:36.960 --> 00:32:39.359
<v Speaker 15>starting to get into your health insurance and your medpay

657
00:32:39.400 --> 00:32:41.559
<v Speaker 15>and you're worried about coordination of benefits and all that

658
00:32:41.640 --> 00:32:44.079
<v Speaker 15>kind of stuff, you're probably in the zone where an

659
00:32:44.079 --> 00:32:45.319
<v Speaker 15>attorney makes good sense.

660
00:32:45.480 --> 00:32:47.279
<v Speaker 4>Is there a dollar amount though for injuries?

661
00:32:47.400 --> 00:32:47.920
<v Speaker 14>I don't know.

662
00:32:47.960 --> 00:32:51.200
<v Speaker 15>I mean, you know, probably the low end of it

663
00:32:51.279 --> 00:32:53.240
<v Speaker 15>is going to be five or six thousand dollars. You

664
00:32:53.240 --> 00:32:55.400
<v Speaker 15>know what your typical er visit is going to be.

665
00:32:55.519 --> 00:32:58.240
<v Speaker 15>I mean, that's where it starts to become really almost

666
00:32:58.279 --> 00:32:59.799
<v Speaker 15>imperative that you have somebody on.

667
00:32:59.720 --> 00:33:01.400
<v Speaker 4>Your or any kind of lingering problem.

668
00:33:01.519 --> 00:33:04.039
<v Speaker 15>You know, if you go, you know, two weeks later,

669
00:33:04.200 --> 00:33:06.799
<v Speaker 15>you go to your PCP and it's forty seven dollars

670
00:33:06.839 --> 00:33:09.799
<v Speaker 15>and there's no imaging and nothing really wrong with you,

671
00:33:09.839 --> 00:33:11.960
<v Speaker 15>then of course I don't think it makes sense to

672
00:33:12.039 --> 00:33:13.200
<v Speaker 15>try to pursue something.

673
00:33:13.559 --> 00:33:16.559
<v Speaker 4>Okay, and it's and by the way, what difference does

674
00:33:16.559 --> 00:33:18.599
<v Speaker 4>it make to call because it never costs you a

675
00:33:18.640 --> 00:33:19.279
<v Speaker 4>dime to call?

676
00:33:19.440 --> 00:33:21.359
<v Speaker 15>Yeah, I mean, that's the easy thing, is that we

677
00:33:21.359 --> 00:33:23.079
<v Speaker 15>can talk about your circumstances.

678
00:33:23.480 --> 00:33:25.319
<v Speaker 14>We have people that call us all the time.

679
00:33:25.160 --> 00:33:28.440
<v Speaker 15>Tom, some of them that are almost scared to go

680
00:33:28.480 --> 00:33:30.759
<v Speaker 15>and get the medical care that they need because they

681
00:33:30.839 --> 00:33:33.119
<v Speaker 15>just don't know how it works and how they're going

682
00:33:33.200 --> 00:33:35.440
<v Speaker 15>to pay for it, and we can help them answer

683
00:33:35.519 --> 00:33:36.319
<v Speaker 15>those questions.

684
00:33:36.640 --> 00:33:38.000
<v Speaker 4>I want to share this real quick.

685
00:33:38.039 --> 00:33:40.880
<v Speaker 7>When we got t boned and we hired John, you know,

686
00:33:41.519 --> 00:33:44.839
<v Speaker 7>the accident itself, we didn't go to the er till

687
00:33:44.880 --> 00:33:48.039
<v Speaker 7>the next day. We didn't realize Suzanne had a broken

688
00:33:48.119 --> 00:33:52.000
<v Speaker 7>nose and all these other issues literally till the next day.

689
00:33:52.279 --> 00:33:55.559
<v Speaker 7>It's crazy when something like that happens, you're adrenaline's up,

690
00:33:55.759 --> 00:33:58.440
<v Speaker 7>you just have no idea what's going on with your body,

691
00:33:58.599 --> 00:34:00.240
<v Speaker 7>and till a few hours later.

692
00:34:00.039 --> 00:34:01.319
<v Speaker 4>And we'll talk about that.

693
00:34:01.480 --> 00:34:04.720
<v Speaker 5>Jim with a hard money loan, I will not have

694
00:34:04.759 --> 00:34:07.240
<v Speaker 5>a chance to answer it, but I know a lot

695
00:34:07.279 --> 00:34:07.839
<v Speaker 5>about him.

696
00:34:07.960 --> 00:34:10.480
<v Speaker 4>We can do that coming back, and then.

697
00:34:10.440 --> 00:34:16.440
<v Speaker 5>Jeff has an issue with Mike Marony Honda. Maroni Honda

698
00:34:16.480 --> 00:34:18.320
<v Speaker 5>will talk about that and more coming up on The

699
00:34:18.360 --> 00:34:22.119
<v Speaker 5>Troubleshooter Show. Three o three seven one three talks seven

700
00:34:22.199 --> 00:34:30.079
<v Speaker 5>one three eight two five five. Go with a sure

701
00:34:30.199 --> 00:34:33.320
<v Speaker 5>thing Denver's best roofer Excel Roofing dot com.

702
00:34:33.360 --> 00:34:35.360
<v Speaker 4>You don't pay a cent until you're content.

703
00:34:36.960 --> 00:34:41.199
<v Speaker 5>Please time for an insurance check up free, no obligation

704
00:34:41.239 --> 00:34:45.079
<v Speaker 5>in comparison, call Compass Insurance paying too much your coverage

705
00:34:45.079 --> 00:34:47.800
<v Speaker 5>at dozens of insurance companies find out now three oh

706
00:34:47.800 --> 00:34:50.159
<v Speaker 5>three seven to seven to one help. You'll think you're

707
00:34:50.199 --> 00:34:52.719
<v Speaker 5>his only customer when you choose Frank durand the real

708
00:34:52.800 --> 00:34:55.800
<v Speaker 5>estate Man dot com to list your home with Remax

709
00:34:55.840 --> 00:35:00.880
<v Speaker 5>Alliance three oh three nine two zero sixteen twenty two.

710
00:35:04.519 --> 00:35:10.280
<v Speaker 4>Ripped News. You need advice so you don't have to.

711
00:35:12.079 --> 00:35:12.800
<v Speaker 1>Come running.

712
00:35:13.039 --> 00:35:14.440
<v Speaker 3>Just as fast as we can.

713
00:35:15.719 --> 00:35:18.480
<v Speaker 14>Shooter's gonna help, coming man.

714
00:35:19.199 --> 00:35:21.400
<v Speaker 3>This is the Troubleshooter Show.

715
00:35:22.000 --> 00:35:27.639
<v Speaker 4>Now Tom Martino, Hey, Tom Martino here, Welcome to the show.

716
00:35:27.760 --> 00:35:31.239
<v Speaker 4>Three oh three seven one three Talk three oh three

717
00:35:31.480 --> 00:35:33.559
<v Speaker 4>seven one three eight two five five.

718
00:35:33.920 --> 00:35:35.960
<v Speaker 5>What's on your mind today? How can we help you.

719
00:35:36.000 --> 00:35:39.000
<v Speaker 5>I have John Fuller with us Fuller Law, and uh,

720
00:35:39.679 --> 00:35:41.599
<v Speaker 5>real quick, I want to just go over something with him.

721
00:35:41.639 --> 00:35:44.679
<v Speaker 4>John. We talked about calling. You don't lose anything by calling.

722
00:35:45.039 --> 00:35:45.639
<v Speaker 4>You don't have to.

723
00:35:45.639 --> 00:35:47.920
<v Speaker 5>Enter into a court case, into a settlement, you don't

724
00:35:47.960 --> 00:35:51.039
<v Speaker 5>have to enter into an agreement. I mean, I just

725
00:35:51.079 --> 00:35:53.840
<v Speaker 5>think people don't know where to turn, and they don't

726
00:35:53.920 --> 00:35:58.559
<v Speaker 5>understand that they can just call and literally ask anything, right.

727
00:35:58.639 --> 00:36:03.039
<v Speaker 5>I mean, there's no charge, there's no obligation. And even

728
00:36:03.079 --> 00:36:05.239
<v Speaker 5>if they say to you, do you get this question?

729
00:36:05.519 --> 00:36:10.159
<v Speaker 4>John? My neck? I got whiplash and I got.

730
00:36:10.000 --> 00:36:13.840
<v Speaker 5>Migraines now and the accident happened three weeks ago. And

731
00:36:13.920 --> 00:36:15.880
<v Speaker 5>I'm serious Now when I say this to people, say

732
00:36:15.880 --> 00:36:16.800
<v Speaker 5>how much is it worth?

733
00:36:17.280 --> 00:36:18.000
<v Speaker 4>Do you ever get that?

734
00:36:18.239 --> 00:36:18.400
<v Speaker 6>Yeah?

735
00:36:18.480 --> 00:36:19.039
<v Speaker 14>Sometimes?

736
00:36:19.599 --> 00:36:22.880
<v Speaker 4>I mean really or do you find most people don't answer?

737
00:36:22.960 --> 00:36:24.079
<v Speaker 4>I mean, really, I'm asking.

738
00:36:24.280 --> 00:36:25.679
<v Speaker 14>So here's the thing.

739
00:36:25.760 --> 00:36:28.480
<v Speaker 15>I think most people when they call my office, they

740
00:36:28.519 --> 00:36:31.920
<v Speaker 15>are they are frustrated. They've been lied to by an

741
00:36:31.960 --> 00:36:34.840
<v Speaker 15>insurance company. They finally woke up and got one too

742
00:36:34.880 --> 00:36:37.440
<v Speaker 15>many phone calls and realized the gig was up and

743
00:36:37.480 --> 00:36:40.039
<v Speaker 15>that the other side is trying to take advantage of them,

744
00:36:40.400 --> 00:36:42.280
<v Speaker 15>and they don't want to do that, or it's a

745
00:36:42.320 --> 00:36:45.119
<v Speaker 15>loved one that's in a hospital and they, you know,

746
00:36:45.159 --> 00:36:48.079
<v Speaker 15>they're scared to death of all these people that are

747
00:36:48.119 --> 00:36:51.199
<v Speaker 15>putting words in their mouth and you know, talking all

748
00:36:51.239 --> 00:36:55.800
<v Speaker 15>this gobbledygook about you know, whose insurance company goes first,

749
00:36:55.840 --> 00:36:59.639
<v Speaker 15>and and everybody puts their interest first. The hospital wants

750
00:36:59.679 --> 00:37:02.519
<v Speaker 15>to get aid, the body shop, the toe company, that

751
00:37:02.639 --> 00:37:06.039
<v Speaker 15>I mean, every single person has their handout and it's

752
00:37:06.039 --> 00:37:10.039
<v Speaker 15>trying to get paid first. And it's very overwhelming, especially

753
00:37:10.039 --> 00:37:12.239
<v Speaker 15>when it's you are a loved one that's injured, and

754
00:37:12.280 --> 00:37:15.360
<v Speaker 15>they just want the straight answers, and that's why they

755
00:37:15.360 --> 00:37:19.400
<v Speaker 15>call us. We can help calmbat storm or take over

756
00:37:19.519 --> 00:37:23.199
<v Speaker 15>that storm and eliminate them having to deal with any

757
00:37:23.199 --> 00:37:23.920
<v Speaker 15>of that stuff.

758
00:37:24.760 --> 00:37:26.320
<v Speaker 4>Okay, that's simple.

759
00:37:27.039 --> 00:37:29.679
<v Speaker 5>I mean three oh three seven one three talk seven

760
00:37:29.760 --> 00:37:32.760
<v Speaker 5>one three eight two five five. Let's go to the phones, Jim,

761
00:37:32.880 --> 00:37:33.920
<v Speaker 5>talk about hard money.

762
00:37:33.920 --> 00:37:34.920
<v Speaker 4>What do you need to know? Man?

763
00:37:36.159 --> 00:37:38.679
<v Speaker 9>Yes, hello, I was just wondering.

764
00:37:40.280 --> 00:37:42.920
<v Speaker 16>I'm trying to do a loan on my home, but

765
00:37:43.719 --> 00:37:45.880
<v Speaker 16>it's a second home and it was a rental and

766
00:37:46.639 --> 00:37:48.239
<v Speaker 16>I can't seem to borrow any money.

767
00:37:48.239 --> 00:37:50.440
<v Speaker 9>I can't seem to get a heelock I can't seem

768
00:37:50.480 --> 00:37:55.639
<v Speaker 9>to get a reverse. What are there any alternatives to that?

769
00:37:55.920 --> 00:37:56.079
<v Speaker 11>Now?

770
00:37:56.159 --> 00:37:57.239
<v Speaker 4>What what do you mean?

771
00:37:58.239 --> 00:37:59.840
<v Speaker 5>Tell me what you want? What do you what do

772
00:37:59.880 --> 00:38:02.199
<v Speaker 5>you want to accomplish? Let's talk about that first.

773
00:38:03.000 --> 00:38:06.719
<v Speaker 16>I just basically would like to borrow, you know, a

774
00:38:06.800 --> 00:38:09.440
<v Speaker 16>couple hundred thousand dollars and not worry about it till

775
00:38:09.440 --> 00:38:10.119
<v Speaker 16>after I'm dead.

776
00:38:11.960 --> 00:38:16.679
<v Speaker 4>That's the reverse. That's a reverse loans. There's no one

777
00:38:16.719 --> 00:38:19.800
<v Speaker 4>person in the world that's not thinking like he just did. No,

778
00:38:20.159 --> 00:38:22.400
<v Speaker 4>but do you have a loan on your home right now?

779
00:38:23.199 --> 00:38:23.440
<v Speaker 9>Yeah?

780
00:38:23.480 --> 00:38:25.719
<v Speaker 16>But it's only three and a quarter and it's and

781
00:38:25.719 --> 00:38:27.719
<v Speaker 16>it's the second home. I cannot beat that.

782
00:38:28.199 --> 00:38:30.199
<v Speaker 4>Yeah, hold on you.

783
00:38:30.840 --> 00:38:32.679
<v Speaker 5>The home that you want to take the loan on

784
00:38:33.280 --> 00:38:38.599
<v Speaker 5>is the second home? Yes, where's your primary residence.

785
00:38:39.920 --> 00:38:40.880
<v Speaker 9>About an hour away?

786
00:38:40.880 --> 00:38:43.039
<v Speaker 16>But I already have a hey lock against that one,

787
00:38:43.079 --> 00:38:45.440
<v Speaker 16>so I can't borrow any money against that one at all.

788
00:38:46.360 --> 00:38:50.679
<v Speaker 5>All I'm asking is the primary home. Why is that

789
00:38:50.760 --> 00:38:51.400
<v Speaker 5>called your.

790
00:38:51.239 --> 00:38:54.239
<v Speaker 4>Primary home and not the one you want to borrow against?

791
00:38:55.000 --> 00:38:56.679
<v Speaker 9>Because I live in the primary home.

792
00:38:57.599 --> 00:39:02.760
<v Speaker 5>Okay, Now, the primary home has equity or.

793
00:39:02.719 --> 00:39:08.480
<v Speaker 16>Not not much, probably about okay, maybe hundred thousand.

794
00:39:08.800 --> 00:39:11.119
<v Speaker 5>And you're not and you have no problem making that

795
00:39:11.159 --> 00:39:16.400
<v Speaker 5>loan payment on that primary home. Correct, Okay, the second

796
00:39:16.440 --> 00:39:19.519
<v Speaker 5>home has a mortgage on it. How much equity in

797
00:39:19.559 --> 00:39:20.280
<v Speaker 5>the second home.

798
00:39:22.199 --> 00:39:24.519
<v Speaker 16>I'm gonna say I owe about one hundred and eighty

799
00:39:24.559 --> 00:39:27.280
<v Speaker 16>and it's probably worth about seven hundred and fifty to

800
00:39:27.320 --> 00:39:30.559
<v Speaker 16>eight hundred thousand. We're talking on the Bay Area, North Bay,

801
00:39:30.639 --> 00:39:31.199
<v Speaker 16>San Francisco.

802
00:39:31.960 --> 00:39:33.000
<v Speaker 4>Now, how old are you?

803
00:39:34.840 --> 00:39:35.400
<v Speaker 9>Sixty eight?

804
00:39:36.280 --> 00:39:39.639
<v Speaker 5>Okay, you want to borrow money and not make a

805
00:39:39.679 --> 00:39:43.480
<v Speaker 5>payment on it until you're gone, Yes.

806
00:39:43.679 --> 00:39:44.559
<v Speaker 4>So you're willing.

807
00:39:44.880 --> 00:39:49.719
<v Speaker 5>Okay, you can do a life estate with someone. You

808
00:39:49.840 --> 00:39:53.360
<v Speaker 5>have to find a peer to peer investor, and they're

809
00:39:53.400 --> 00:39:57.360
<v Speaker 5>done all the time. And what you do is what's

810
00:39:57.360 --> 00:39:58.360
<v Speaker 5>called the life of state.

811
00:39:59.280 --> 00:40:02.679
<v Speaker 4>If you want a relative peer investor.

812
00:40:03.199 --> 00:40:05.920
<v Speaker 5>No, well they call it peer to peer because it's

813
00:40:05.960 --> 00:40:09.880
<v Speaker 5>not institutionalized. It's not done by a bank, and it's

814
00:40:09.920 --> 00:40:11.840
<v Speaker 5>not Here's what a life estate is.

815
00:40:13.119 --> 00:40:16.559
<v Speaker 4>You find someone willing to pay.

816
00:40:16.280 --> 00:40:20.480
<v Speaker 5>Off your first and give you a second, or pay

817
00:40:20.480 --> 00:40:23.480
<v Speaker 5>off your first and your second, not a second, but

818
00:40:23.559 --> 00:40:27.559
<v Speaker 5>give you equity. Just make that investment, because I don't

819
00:40:27.559 --> 00:40:29.480
<v Speaker 5>think they're going to want to be in second position,

820
00:40:29.599 --> 00:40:32.880
<v Speaker 5>So you can't do that. So you owe one hundred

821
00:40:32.880 --> 00:40:35.639
<v Speaker 5>and thirty.

822
00:40:34.360 --> 00:40:35.800
<v Speaker 4>And how much money do you need?

823
00:40:37.800 --> 00:40:40.119
<v Speaker 5>How much money do you want in addition to the

824
00:40:40.159 --> 00:40:42.639
<v Speaker 5>one eighty once that's paid off, how much cash do

825
00:40:42.679 --> 00:40:43.920
<v Speaker 5>you want to get out of that house?

826
00:40:44.559 --> 00:40:46.000
<v Speaker 9>Probably a couple hundred thousand.

827
00:40:46.679 --> 00:40:47.079
<v Speaker 4>Okay.

828
00:40:47.320 --> 00:40:50.920
<v Speaker 5>Now let's just say, for argument's sake, they pay the

829
00:40:51.000 --> 00:40:55.920
<v Speaker 5>one eighty and you get three hundred. That's for eighty Okay, okay,

830
00:40:56.760 --> 00:40:59.119
<v Speaker 5>Now four hundred and eighty thousand dollars.

831
00:40:59.119 --> 00:41:04.400
<v Speaker 4>They invest in you, you give them the house, They

832
00:41:04.440 --> 00:41:07.719
<v Speaker 4>give it you a life estate. What that means is

833
00:41:08.239 --> 00:41:10.000
<v Speaker 4>you get to stay in that house the rest of

834
00:41:10.039 --> 00:41:12.360
<v Speaker 4>your life. Nothing can make you move.

835
00:41:13.360 --> 00:41:18.119
<v Speaker 5>But you must pay taxes and insurance or they pay it.

836
00:41:18.119 --> 00:41:20.119
<v Speaker 4>It's it's all negotiable, a life estate.

837
00:41:20.760 --> 00:41:23.320
<v Speaker 16>But there it's the second home.

838
00:41:23.559 --> 00:41:26.239
<v Speaker 5>It doesn't matter, it doesn't matter. What I mean is

839
00:41:26.760 --> 00:41:30.400
<v Speaker 5>it's all negotiable. It's a life of state, meaning it's

840
00:41:30.440 --> 00:41:31.800
<v Speaker 5>your home until you die.

841
00:41:32.119 --> 00:41:35.239
<v Speaker 4>Otherwise I just say, sell it, okay, because you say

842
00:41:35.239 --> 00:41:36.840
<v Speaker 4>you don't live there, so why don't you just sell it?

843
00:41:36.920 --> 00:41:38.360
<v Speaker 4>Let me ask you that one. Why don't you just

844
00:41:38.400 --> 00:41:39.400
<v Speaker 4>sell it?

845
00:41:39.559 --> 00:41:41.000
<v Speaker 9>A lot of capital games tax?

846
00:41:41.679 --> 00:41:45.360
<v Speaker 5>Okay, good idea, good good, good answer, good answer.

847
00:41:46.079 --> 00:41:48.920
<v Speaker 7>So let's say, wait, wait, wait, are you saying if

848
00:41:48.960 --> 00:41:51.760
<v Speaker 7>you sold it you, even after taxes, you wouldn't put

849
00:41:51.760 --> 00:41:52.880
<v Speaker 7>two hundred in your pocket.

850
00:41:52.960 --> 00:41:54.880
<v Speaker 4>Of course you would, of course he would. So he's

851
00:41:54.920 --> 00:41:57.920
<v Speaker 4>making no sense. He's making zero sense.

852
00:41:58.199 --> 00:42:02.239
<v Speaker 5>He would easily get three hundred thousand dollars. So the

853
00:42:02.320 --> 00:42:05.079
<v Speaker 5>life estate is useless if you don't care about the house.

854
00:42:05.360 --> 00:42:07.760
<v Speaker 5>I see, That's why I asked, what are you trying

855
00:42:07.800 --> 00:42:11.119
<v Speaker 5>to accomplish? What are you trying to accomplish?

856
00:42:11.320 --> 00:42:14.079
<v Speaker 4>If you do you want, here's what I'm asking. Do

857
00:42:14.199 --> 00:42:19.000
<v Speaker 4>you want cash and keep that house? Or are you

858
00:42:19.119 --> 00:42:22.320
<v Speaker 4>going to not use the house? But no, no, oh

859
00:42:22.400 --> 00:42:23.679
<v Speaker 4>that I got to ask that first.

860
00:42:24.239 --> 00:42:26.000
<v Speaker 10>What you're the house?

861
00:42:26.440 --> 00:42:28.840
<v Speaker 4>Okay? And what are you going to do with the

862
00:42:28.880 --> 00:42:30.039
<v Speaker 4>house when you keep it?

863
00:42:32.119 --> 00:42:33.960
<v Speaker 9>Well, just keep it at the second home.

864
00:42:34.480 --> 00:42:36.280
<v Speaker 4>Okay. What are you going to do? Are you going

865
00:42:36.360 --> 00:42:38.119
<v Speaker 4>to visit and live in it once in a while?

866
00:42:39.679 --> 00:42:39.840
<v Speaker 11>No?

867
00:42:40.519 --> 00:42:43.480
<v Speaker 4>Well, then then that's what I'm asking. What do you

868
00:42:43.559 --> 00:42:44.639
<v Speaker 4>want to keep it for?

869
00:42:45.679 --> 00:42:46.599
<v Speaker 9>My son lives there?

870
00:42:47.000 --> 00:42:50.519
<v Speaker 5>Okay, Well see that's what Okay, so you want to

871
00:42:50.639 --> 00:42:51.039
<v Speaker 5>keep it?

872
00:42:51.199 --> 00:42:54.000
<v Speaker 4>Now? Your son does he have any wherewithal to get alone?

873
00:42:55.639 --> 00:42:55.880
<v Speaker 6>Yeah?

874
00:42:56.119 --> 00:42:57.119
<v Speaker 9>But not not.

875
00:42:58.360 --> 00:43:01.079
<v Speaker 16>He applied for a loan, but he can maybe a

876
00:43:01.119 --> 00:43:04.159
<v Speaker 16>couple hundred thousand and a couple hundred thousand, and the

877
00:43:04.239 --> 00:43:05.480
<v Speaker 16>bay Era goes nowhere.

878
00:43:05.800 --> 00:43:08.280
<v Speaker 5>No, I get what you're saying. So your son is

879
00:43:08.320 --> 00:43:11.599
<v Speaker 5>not a candidate to do this. So after you die,

880
00:43:12.239 --> 00:43:14.599
<v Speaker 5>if your son had to move, would he care?

881
00:43:14.719 --> 00:43:17.719
<v Speaker 4>Would you care? Yeah?

882
00:43:17.800 --> 00:43:19.239
<v Speaker 9>Okay, I would like to just leave him there.

883
00:43:19.920 --> 00:43:22.400
<v Speaker 5>Well, guess what, you can't have it all. Here's what

884
00:43:22.400 --> 00:43:25.239
<v Speaker 5>I'm getting at. Okay, here's the bottom line. If you

885
00:43:25.320 --> 00:43:28.280
<v Speaker 5>want to tap equity. There's only three ways of doing it.

886
00:43:28.559 --> 00:43:29.239
<v Speaker 5>Three ways.

887
00:43:29.519 --> 00:43:33.159
<v Speaker 4>One you take out a loan okay, and then you

888
00:43:33.199 --> 00:43:37.440
<v Speaker 4>pay the loan. Two you sell the house okay. Or

889
00:43:37.599 --> 00:43:40.000
<v Speaker 4>three you do a life estate.

890
00:43:40.480 --> 00:43:40.760
<v Speaker 17>Okay.

891
00:43:40.800 --> 00:43:43.320
<v Speaker 5>Those are the only three ways. There's no magic with

892
00:43:43.400 --> 00:43:46.800
<v Speaker 5>a life of state. When you die, the house goes

893
00:43:46.880 --> 00:43:49.360
<v Speaker 5>to whoever granted.

894
00:43:48.880 --> 00:43:52.519
<v Speaker 4>You the life of state and the money. Your son

895
00:43:52.639 --> 00:43:54.599
<v Speaker 4>doesn't get to stay there. So you can't do a

896
00:43:54.639 --> 00:43:58.159
<v Speaker 4>life estate. You want to do a loan. You don't

897
00:43:58.199 --> 00:44:00.960
<v Speaker 4>want to do a loan. And the third one is

898
00:44:01.039 --> 00:44:02.840
<v Speaker 4>selling it. You don't want to sell it.

899
00:44:03.159 --> 00:44:06.039
<v Speaker 7>He wants he wants someone to give him two hundred

900
00:44:06.039 --> 00:44:08.320
<v Speaker 7>grand and he gets to keep the house.

901
00:44:08.519 --> 00:44:11.159
<v Speaker 4>That's what he wants. Yeah, but there's no.

902
00:44:13.119 --> 00:44:15.320
<v Speaker 5>Let me ask you something seriously, because I know you're

903
00:44:15.360 --> 00:44:17.480
<v Speaker 5>not stupid, Jim. I really know you're not, because you

904
00:44:17.480 --> 00:44:18.440
<v Speaker 5>have two homes.

905
00:44:18.880 --> 00:44:20.079
<v Speaker 4>And here's what I want.

906
00:44:20.199 --> 00:44:22.800
<v Speaker 5>You know, no one's going to give you money for

907
00:44:22.880 --> 00:44:25.159
<v Speaker 5>no reason. Right, obviously, right.

908
00:44:25.880 --> 00:44:28.760
<v Speaker 9>But sore on the title that.

909
00:44:28.880 --> 00:44:31.440
<v Speaker 4>Is called a life estate.

910
00:44:32.119 --> 00:44:37.079
<v Speaker 5>If you want someone to hand you three hundred.

911
00:44:36.920 --> 00:44:39.960
<v Speaker 4>Thousand plus pay off your loan.

912
00:44:40.199 --> 00:44:44.239
<v Speaker 5>The total invested would be about whatever, four hundred and

913
00:44:44.239 --> 00:44:49.039
<v Speaker 5>eighty thousand. For that four hundred eighty thousand, they want

914
00:44:49.079 --> 00:44:55.679
<v Speaker 5>to own that home someday. But you're telling me when

915
00:44:55.719 --> 00:44:59.440
<v Speaker 5>you die, you're not willing to do a life estate

916
00:44:59.719 --> 00:45:03.400
<v Speaker 5>where the title reverts to them in full, because you

917
00:45:03.480 --> 00:45:06.719
<v Speaker 5>want your son to stay there. And I am telling

918
00:45:06.800 --> 00:45:10.079
<v Speaker 5>you I do not have an answer for you.

919
00:45:11.119 --> 00:45:13.480
<v Speaker 4>Okay, you can't go ahead.

920
00:45:14.000 --> 00:45:18.360
<v Speaker 16>I've heard of I've heard all paratures like hard money.

921
00:45:18.400 --> 00:45:21.119
<v Speaker 16>I've heard people loaning marijuana money.

922
00:45:21.320 --> 00:45:25.760
<v Speaker 4>But you're not giving them anything, Jim. Okay, Jim, let's

923
00:45:25.800 --> 00:45:28.920
<v Speaker 4>play that game. Since since I'm beginning to think maybe

924
00:45:28.920 --> 00:45:30.000
<v Speaker 4>you are a little stupid.

925
00:45:30.159 --> 00:45:33.360
<v Speaker 5>So if somebody came to you and loaned you money

926
00:45:33.960 --> 00:45:37.440
<v Speaker 5>like three hundred thousand, and you kept your first in place.

927
00:45:37.920 --> 00:45:40.039
<v Speaker 4>They would have to have a second deed.

928
00:45:39.880 --> 00:45:44.119
<v Speaker 5>Of trust on that home, right, yes, and you would

929
00:45:44.119 --> 00:45:47.440
<v Speaker 5>don't want to make payments on it, right correct?

930
00:45:48.119 --> 00:45:49.800
<v Speaker 4>Okay, So why would they do it?

931
00:45:53.039 --> 00:45:54.480
<v Speaker 9>Good, good question.

932
00:45:56.920 --> 00:45:59.320
<v Speaker 5>Why would they do it? If they're not making any

933
00:45:59.400 --> 00:46:01.440
<v Speaker 5>money on their money? Why would they do it?

934
00:46:04.280 --> 00:46:05.039
<v Speaker 10>You heard?

935
00:46:05.239 --> 00:46:07.320
<v Speaker 4>You just told me that. You heard.

936
00:46:07.400 --> 00:46:10.320
<v Speaker 5>People will loan money. It's called a hard money loan.

937
00:46:10.719 --> 00:46:12.559
<v Speaker 5>Do you know what a hard money loan means?

938
00:46:13.119 --> 00:46:13.559
<v Speaker 4>It means.

939
00:46:13.639 --> 00:46:16.239
<v Speaker 5>I look at you, Jim, and I say this, Jim,

940
00:46:16.280 --> 00:46:18.880
<v Speaker 5>how much money do you want? And you say, oh,

941
00:46:18.960 --> 00:46:22.360
<v Speaker 5>I'd like to put two hundred thousand in my pocket. Okay,

942
00:46:22.400 --> 00:46:24.159
<v Speaker 5>but I'm not going to do and you want to

943
00:46:24.199 --> 00:46:25.639
<v Speaker 5>do a second on that house.

944
00:46:26.320 --> 00:46:29.880
<v Speaker 4>Okay, guess what then, I'm going to do.

945
00:46:30.280 --> 00:46:33.800
<v Speaker 5>I'm going to loan you two hundred thousand, and I'm

946
00:46:33.840 --> 00:46:37.840
<v Speaker 5>going to charge you ten points. I'm going to charge

947
00:46:37.880 --> 00:46:41.800
<v Speaker 5>you twenty percent interest compent.

948
00:46:41.880 --> 00:46:43.880
<v Speaker 7>I'm going to have a balloon and it's all doing

949
00:46:43.920 --> 00:46:45.840
<v Speaker 7>about two years or five.

950
00:46:46.239 --> 00:46:49.519
<v Speaker 5>Right, that's a hard money loan. That's what you don't want.

951
00:46:50.199 --> 00:46:54.199
<v Speaker 4>What you're taught, what you're describing about called charity. He

952
00:46:54.239 --> 00:46:55.159
<v Speaker 4>wants charity?

953
00:46:55.559 --> 00:46:58.800
<v Speaker 5>No, No, But what you what you really described is

954
00:46:59.119 --> 00:47:02.800
<v Speaker 5>borrowing money and not paying it back until you're dead

955
00:47:03.559 --> 00:47:06.320
<v Speaker 5>is called a life a state.

956
00:47:06.679 --> 00:47:09.360
<v Speaker 4>But then your son doesn't get to live in the

957
00:47:09.480 --> 00:47:10.519
<v Speaker 4>house anymore.

958
00:47:12.920 --> 00:47:15.840
<v Speaker 9>All right, That's why I called to get answers.

959
00:47:16.360 --> 00:47:17.840
<v Speaker 4>Okay, well you got answers.

960
00:47:18.280 --> 00:47:20.880
<v Speaker 5>So there's no way to do what you want to

961
00:47:20.920 --> 00:47:23.840
<v Speaker 5>do at this current point in your life. And be

962
00:47:24.079 --> 00:47:28.760
<v Speaker 5>really careful because you sound like pray right now. Pray

963
00:47:29.559 --> 00:47:31.440
<v Speaker 5>And when you talk to people, they're going to make

964
00:47:31.480 --> 00:47:34.719
<v Speaker 5>promises to you. They're going to say, oh, yeah, Jim,

965
00:47:34.760 --> 00:47:38.000
<v Speaker 5>we can do that. They will steal the house. Trust

966
00:47:38.079 --> 00:47:41.960
<v Speaker 5>me when I tell you that they will steal the house.

967
00:47:42.960 --> 00:47:46.519
<v Speaker 5>I'm Tom Martine three three seven one three eight two

968
00:47:46.599 --> 00:47:55.280
<v Speaker 5>five five. Go with a sure thing Denver's best roofer

969
00:47:55.400 --> 00:47:56.920
<v Speaker 5>Excel Roofing dot com.

970
00:47:56.960 --> 00:47:59.000
<v Speaker 4>You don't pay a cent until you're content.

971
00:48:00.559 --> 00:48:04.800
<v Speaker 5>Leave time for an insurance check up free no obligation

972
00:48:04.920 --> 00:48:08.800
<v Speaker 5>comparison call Compass Insurance paying too much your coverage at

973
00:48:08.840 --> 00:48:11.599
<v Speaker 5>dozens of insurance companies find out now three oh three

974
00:48:11.719 --> 00:48:12.920
<v Speaker 5>seven seven to one help.

975
00:48:13.079 --> 00:48:14.880
<v Speaker 4>You'll think you're his only customer.

976
00:48:14.920 --> 00:48:17.159
<v Speaker 5>When you choose Frank durand the real estate Man dot

977
00:48:17.199 --> 00:48:20.519
<v Speaker 5>com to list your home with Remax Alliance three oh

978
00:48:20.559 --> 00:48:30.639
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino,

979
00:48:30.880 --> 00:48:35.639
<v Speaker 5>your troubleshooter three oh three seven one three talk three

980
00:48:35.719 --> 00:48:38.360
<v Speaker 5>oh three seven one three eight two five five.

981
00:48:39.599 --> 00:48:42.760
<v Speaker 4>Okay, let's talk, Jeff.

982
00:48:42.679 --> 00:48:47.559
<v Speaker 5>What is going on with your Honda? What's happening in Jeff?

983
00:48:50.280 --> 00:48:53.679
<v Speaker 8>Good defne or good morning. So my aunt has a

984
00:48:53.840 --> 00:48:58.400
<v Speaker 8>twenty twenty Honda HRV. She was driving all wheel drive.

985
00:48:58.480 --> 00:49:01.280
<v Speaker 8>Light came on. She's coming to visit me and my

986
00:49:01.320 --> 00:49:03.960
<v Speaker 8>parents who are visiting. Me and my dad, we both

987
00:49:03.960 --> 00:49:06.480
<v Speaker 8>were kind of into cars. We had a reader, so

988
00:49:06.519 --> 00:49:07.920
<v Speaker 8>we did a S game on it. We got some

989
00:49:08.000 --> 00:49:11.519
<v Speaker 8>codes and started looking it up. There is a service

990
00:49:11.559 --> 00:49:15.719
<v Speaker 8>bulletin for Honda, and it gave exactly the same codes

991
00:49:16.159 --> 00:49:17.719
<v Speaker 8>exactly what we're seeing matched up.

992
00:49:18.679 --> 00:49:21.360
<v Speaker 4>Was it for? Was it for the CRV?

993
00:49:22.920 --> 00:49:23.199
<v Speaker 11>Yes?

994
00:49:23.719 --> 00:49:26.079
<v Speaker 4>Okay, what's the service bulletin called for?

995
00:49:27.719 --> 00:49:27.840
<v Speaker 6>Uh?

996
00:49:28.000 --> 00:49:31.320
<v Speaker 8>It is service bulletin two to three tech zero three

997
00:49:31.320 --> 00:49:35.000
<v Speaker 8>to one, and it's regarding the rear differential pump motor.

998
00:49:35.719 --> 00:49:37.079
<v Speaker 12>Okay, for the ETAs.

999
00:49:39.079 --> 00:49:39.840
<v Speaker 4>Okay, So.

1000
00:49:41.599 --> 00:49:43.559
<v Speaker 8>You know, I called Honda corporate just to see because

1001
00:49:43.559 --> 00:49:46.840
<v Speaker 8>she is outside for a warranty and extended warranty. But

1002
00:49:46.920 --> 00:49:48.800
<v Speaker 8>because it was a you know, based on the bulletin

1003
00:49:48.880 --> 00:49:51.480
<v Speaker 8>says it's a machine, you know, machining defects of war.

1004
00:49:51.519 --> 00:49:53.239
<v Speaker 8>On the manufacturer side, I was wondering if they could

1005
00:49:53.239 --> 00:49:53.960
<v Speaker 8>do like a good.

1006
00:49:53.760 --> 00:49:58.280
<v Speaker 5>Will once on hold on a second service bulletins. Service

1007
00:49:58.320 --> 00:50:02.280
<v Speaker 5>bulletins are a little different than than a recall. Sometimes

1008
00:50:02.320 --> 00:50:05.320
<v Speaker 5>service bulletin it isn't It isn't a recall, it's a

1009
00:50:05.360 --> 00:50:06.199
<v Speaker 5>service bulletin.

1010
00:50:06.360 --> 00:50:07.280
<v Speaker 4>I know. That's what I said.

1011
00:50:07.320 --> 00:50:11.599
<v Speaker 5>They're different than recalls in that some service bulletins, however,

1012
00:50:12.119 --> 00:50:15.719
<v Speaker 5>will allow certain costs to be paid up to a

1013
00:50:15.719 --> 00:50:20.519
<v Speaker 5>certain mileage. Sometimes they don't do anything. How many miles

1014
00:50:20.519 --> 00:50:20.920
<v Speaker 5>were on it?

1015
00:50:22.920 --> 00:50:25.719
<v Speaker 8>She's at about eighty eight or eighty nine thousand miles.

1016
00:50:26.199 --> 00:50:29.760
<v Speaker 5>Okay, so tell me this. How much is it going

1017
00:50:29.840 --> 00:50:30.719
<v Speaker 5>to cost?

1018
00:50:32.039 --> 00:50:35.119
<v Speaker 8>Around eight and fifty five dollars I believe is what

1019
00:50:35.239 --> 00:50:36.079
<v Speaker 8>the dealer quartered there.

1020
00:50:37.280 --> 00:50:41.719
<v Speaker 4>Around eight hundred and fifty dollars. Okay, I get it.

1021
00:50:42.079 --> 00:50:43.960
<v Speaker 4>So you're trying to get.

1022
00:50:43.800 --> 00:50:48.000
<v Speaker 7>It paid for rights unless if they do a recall

1023
00:50:48.119 --> 00:50:48.440
<v Speaker 7>on it.

1024
00:50:48.800 --> 00:50:52.039
<v Speaker 4>A TSB is not going to be paid for period.

1025
00:50:52.360 --> 00:50:56.800
<v Speaker 4>I know. I don't know what a TSB is.

1026
00:50:56.840 --> 00:51:00.639
<v Speaker 7>Basically for technicians to pull up when they hear you symptom,

1027
00:51:00.880 --> 00:51:02.360
<v Speaker 7>and I get a market mark.

1028
00:51:02.440 --> 00:51:05.920
<v Speaker 5>But there have been service bulletins that are not recalls,

1029
00:51:06.159 --> 00:51:09.800
<v Speaker 5>where the manufacturer on newer cars would kick something in.

1030
00:51:10.039 --> 00:51:12.920
<v Speaker 4>I'm just saying that in this particular case.

1031
00:51:13.320 --> 00:51:16.119
<v Speaker 5>You're never gonna get covered with eighty eight thousand miles

1032
00:51:16.119 --> 00:51:17.920
<v Speaker 5>in a four five year old car.

1033
00:51:20.800 --> 00:51:24.440
<v Speaker 7>Not only that, there's probably twenty tsbs out on that.

1034
00:51:24.360 --> 00:51:28.800
<v Speaker 5>Car, and also it lasted far beyond the warranty. See,

1035
00:51:28.880 --> 00:51:30.960
<v Speaker 5>it's not like you didn't get what you paid for.

1036
00:51:31.840 --> 00:51:37.400
<v Speaker 5>I mean, and a service bulletin means they found it

1037
00:51:37.440 --> 00:51:39.719
<v Speaker 5>a problem and they fixed it.

1038
00:51:40.239 --> 00:51:42.360
<v Speaker 4>If it was in warranty, they would have paid for it.

1039
00:51:45.559 --> 00:51:48.639
<v Speaker 8>They're just it's a courtesy to a fact if that

1040
00:51:48.679 --> 00:51:51.079
<v Speaker 8>would be okay, and I could be covered after.

1041
00:51:51.039 --> 00:51:51.960
<v Speaker 4>Let me explain something.

1042
00:51:52.360 --> 00:51:58.159
<v Speaker 5>Manufacturer's defects are always covered under warranty, okay, So I

1043
00:51:58.320 --> 00:52:02.719
<v Speaker 5>just answer it is absolutely covered under warranty. But at

1044
00:52:02.719 --> 00:52:06.599
<v Speaker 5>what point is it no longer under warranty. That particular

1045
00:52:06.639 --> 00:52:07.840
<v Speaker 5>car had a warranty of what.

1046
00:52:10.559 --> 00:52:14.320
<v Speaker 8>I believe it is the uh I remember the original,

1047
00:52:14.320 --> 00:52:16.079
<v Speaker 8>but she had the extended I got it about seventy

1048
00:52:16.079 --> 00:52:17.000
<v Speaker 8>five thousand miles.

1049
00:52:17.199 --> 00:52:21.639
<v Speaker 5>Okay, So I'm not giving you a hard time here,

1050
00:52:22.039 --> 00:52:25.920
<v Speaker 5>but theoretically your theory. Your theory is, if it's a

1051
00:52:25.960 --> 00:52:28.360
<v Speaker 5>manufacturer's defect, it should always be covered.

1052
00:52:31.199 --> 00:52:33.559
<v Speaker 8>When it comes like the machining part, I would say, yes,

1053
00:52:33.599 --> 00:52:38.000
<v Speaker 8>it's a defect that you know, the preventative maintenance things

1054
00:52:38.000 --> 00:52:39.480
<v Speaker 8>like that wouldn't have avoided.

1055
00:52:39.119 --> 00:52:40.119
<v Speaker 9>Based on what I was reading.

1056
00:52:40.559 --> 00:52:41.880
<v Speaker 4>Jeff, let me explain something.

1057
00:52:42.599 --> 00:52:48.400
<v Speaker 5>The reason there are warranties are for manufacturer's defects. That

1058
00:52:48.679 --> 00:52:53.960
<v Speaker 5>is why there are warranties period. But the warranties have

1059
00:52:54.159 --> 00:53:00.119
<v Speaker 5>a life limit. What they're saying, if you buy this car,

1060
00:53:00.519 --> 00:53:06.280
<v Speaker 5>we're guaranteeing against factory defects and catastrophic failure for a

1061
00:53:06.280 --> 00:53:11.519
<v Speaker 5>certain amount of time. After that, we feel you've gotten

1062
00:53:12.119 --> 00:53:19.440
<v Speaker 5>the life limit from this product, and therefore you will

1063
00:53:19.480 --> 00:53:26.079
<v Speaker 5>have to bear some responsibility. They're not saying that because

1064
00:53:26.400 --> 00:53:29.400
<v Speaker 5>it was machined by us, it's.

1065
00:53:29.239 --> 00:53:30.800
<v Speaker 4>Going to be warranted forever.

1066
00:53:31.000 --> 00:53:36.360
<v Speaker 5>Okay, So let's say that that bad machined part lasted

1067
00:53:36.400 --> 00:53:40.320
<v Speaker 5>twenty years and then it broke down and you got

1068
00:53:40.360 --> 00:53:43.920
<v Speaker 5>some poor sap who paid fifteen hundred dollars for this car,

1069
00:53:44.440 --> 00:53:46.639
<v Speaker 5>and it's going to cost him eight hundred and fifty

1070
00:53:47.119 --> 00:53:49.880
<v Speaker 5>to get it fixed and he can't afford it. Certainly,

1071
00:53:49.880 --> 00:53:53.360
<v Speaker 5>you're not saying they should cover it because it was

1072
00:53:53.400 --> 00:53:56.480
<v Speaker 5>a factory defect, or are you saying it because if

1073
00:53:56.519 --> 00:53:57.760
<v Speaker 5>that was the case.

1074
00:53:58.239 --> 00:54:00.760
<v Speaker 4>None of us could afford to own a car.

1075
00:54:00.960 --> 00:54:03.880
<v Speaker 5>Ever, and again, I'm not trying to argue with you

1076
00:54:04.000 --> 00:54:06.440
<v Speaker 5>and make you look stupid because I know what you're thinking.

1077
00:54:06.920 --> 00:54:09.960
<v Speaker 5>Everyone thinks the same thing. Well, Tom, it was like

1078
00:54:10.039 --> 00:54:13.559
<v Speaker 5>this from the beginning. We had no power over it.

1079
00:54:13.920 --> 00:54:20.360
<v Speaker 4>That's true, and that is why there are warranties. But

1080
00:54:20.559 --> 00:54:26.360
<v Speaker 4>the reason there are limits on warranties is to make

1081
00:54:26.400 --> 00:54:31.119
<v Speaker 4>things affordable. So the eight point fifty, if this car

1082
00:54:31.159 --> 00:54:35.039
<v Speaker 4>has eighty eight thousand miles and it's five years old,

1083
00:54:35.840 --> 00:54:40.599
<v Speaker 4>that's not an unreasonable repair, even if it was a

1084
00:54:40.599 --> 00:54:44.000
<v Speaker 4>factory defect. I think I've made my point, and well again, but.

1085
00:54:44.079 --> 00:54:45.920
<v Speaker 7>One last thing. Bring it over to share it in

1086
00:54:46.000 --> 00:54:49.079
<v Speaker 7>auto tech. You'll probably get it done for half that. Yeah,

1087
00:54:49.159 --> 00:54:51.320
<v Speaker 7>if that's what the dealer is telling you. By the way,

1088
00:54:51.360 --> 00:54:54.280
<v Speaker 7>you probably will get it done way cheaper. What is

1089
00:54:54.320 --> 00:54:56.599
<v Speaker 7>the actual part, by the way, did you say what

1090
00:54:56.639 --> 00:54:57.920
<v Speaker 7>that was, Jeff?

1091
00:54:58.360 --> 00:55:01.679
<v Speaker 8>It's the rear differential motor that needs to be replaced.

1092
00:55:02.920 --> 00:55:05.119
<v Speaker 5>We should actually get a price on that for you,

1093
00:55:06.360 --> 00:55:07.559
<v Speaker 5>the rear disc And this is.

1094
00:55:07.719 --> 00:55:10.280
<v Speaker 8>Gonna do was uh talk to the service and anger

1095
00:55:10.320 --> 00:55:12.079
<v Speaker 8>and see if that's the part that can be bought

1096
00:55:12.119 --> 00:55:14.679
<v Speaker 8>from the dealership or elsewhere, and see how much.

1097
00:55:14.519 --> 00:55:16.239
<v Speaker 4>That would be, you know what.

1098
00:55:16.440 --> 00:55:18.960
<v Speaker 5>Let's let's call Kevin. I want to call him and

1099
00:55:19.000 --> 00:55:20.320
<v Speaker 5>ask him for the hell of it.

1100
00:55:20.840 --> 00:55:22.599
<v Speaker 4>Uh if he can look that up and what that

1101
00:55:22.639 --> 00:55:23.880
<v Speaker 4>would cost at his shop.

1102
00:55:24.280 --> 00:55:26.360
<v Speaker 5>It might be he can't beat the price. I don't know,

1103
00:55:26.360 --> 00:55:27.960
<v Speaker 5>but let's just give it a shot. Since you're on

1104
00:55:28.000 --> 00:55:30.800
<v Speaker 5>the air and you waited to be talked to. Let's

1105
00:55:30.840 --> 00:55:34.360
<v Speaker 5>call Kaschina. Let's call Kevin uh calkin over at Sheridan

1106
00:55:34.400 --> 00:55:38.000
<v Speaker 5>Auto Tech three oh three seven one three Talk our

1107
00:55:38.000 --> 00:55:41.639
<v Speaker 5>guests today, John Fuller, Personal Injuriesco dot com.

1108
00:55:42.159 --> 00:55:44.639
<v Speaker 4>We have more coming up on the Troubleshooter show.

1109
00:55:49.480 --> 00:55:52.719
<v Speaker 5>Go with a sure Thing Denver's Best Roofer Excel Roofing

1110
00:55:52.840 --> 00:55:55.480
<v Speaker 5>dot com. You don't pay a cent until you're content.

1111
00:55:58.840 --> 00:56:02.039
<v Speaker 5>Time for an insurance check free, no obligation. In comparison,

1112
00:56:02.159 --> 00:56:05.719
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1113
00:56:05.719 --> 00:56:08.480
<v Speaker 5>of insurance companies find out now three all three seven

1114
00:56:08.559 --> 00:56:11.360
<v Speaker 5>seven to one help. You'll think you're his only customer

1115
00:56:11.400 --> 00:56:13.679
<v Speaker 5>when you choose Frank durand the real Estate Man dot

1116
00:56:13.679 --> 00:56:17.000
<v Speaker 5>com to list your home with Remax Alliance three all

1117
00:56:17.039 --> 00:56:27.199
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino

1118
00:56:27.320 --> 00:56:31.039
<v Speaker 5>here three oh three seven one three talk seven one

1119
00:56:31.039 --> 00:56:33.440
<v Speaker 5>three eight two five five. Kevin Colkin is with Sheridan

1120
00:56:33.559 --> 00:56:37.440
<v Speaker 5>Autotech dot com and.

1121
00:56:38.280 --> 00:56:40.239
<v Speaker 4>We love referring people to Sheridan.

1122
00:56:40.719 --> 00:56:45.480
<v Speaker 5>Hey, so, Kevin, Jeff's mom bought a Honda eighty eight

1123
00:56:45.519 --> 00:56:48.679
<v Speaker 5>thousand miles. He's a little upset because there's a factory

1124
00:56:48.719 --> 00:56:51.639
<v Speaker 5>defect and it's a service bulletin, and of course they're

1125
00:56:51.679 --> 00:56:54.880
<v Speaker 5>no longer under warranty, so it's gonna cost, according to

1126
00:56:54.960 --> 00:56:58.400
<v Speaker 5>the dealer, about eight hundred and fifty bucks. And I'm

1127
00:56:58.440 --> 00:57:02.039
<v Speaker 5>wondering if you could give an estimate on a twenty

1128
00:57:02.119 --> 00:57:09.599
<v Speaker 5>twenty Honda CRV for the rear differential pump motor.

1129
00:57:10.119 --> 00:57:15.440
<v Speaker 4>I think is that what it is? Jeff correct, the.

1130
00:57:15.400 --> 00:57:18.480
<v Speaker 8>Rear differential pump motor on a twenty HRV.

1131
00:57:19.840 --> 00:57:23.639
<v Speaker 4>HRV. I'm sorry HRV Okay.

1132
00:57:24.440 --> 00:57:26.480
<v Speaker 18>Okay, that's gonna take me a few minutes of.

1133
00:57:26.440 --> 00:57:29.519
<v Speaker 5>Place, Okay, So we'll put you on hold. That's that's great, Kevin.

1134
00:57:30.519 --> 00:57:33.159
<v Speaker 5>I appreciate that. So we'll just get an idea and

1135
00:57:33.199 --> 00:57:38.039
<v Speaker 5>compare that with a dealer, Jeff. So hang on now, Kevin, Hi, Kevin,

1136
00:57:38.440 --> 00:57:39.480
<v Speaker 5>what's going on with you?

1137
00:57:39.639 --> 00:57:39.960
<v Speaker 4>Kevin?

1138
00:57:41.519 --> 00:57:42.039
<v Speaker 11>Hi? Tom.

1139
00:57:42.119 --> 00:57:44.039
<v Speaker 9>I'm this is Kevin.

1140
00:57:44.480 --> 00:57:47.199
<v Speaker 19>I've got a driveway, concrete driveway problem.

1141
00:57:47.639 --> 00:57:48.039
<v Speaker 4>Now.

1142
00:57:48.480 --> 00:57:51.239
<v Speaker 5>Was this a new driveway, Kevin? Tell me about your driveway?

1143
00:57:52.079 --> 00:57:53.320
<v Speaker 9>Sure, the driveway was.

1144
00:57:53.559 --> 00:57:57.199
<v Speaker 19>The concrete driveway was foured about fourteen months ago, in

1145
00:57:57.719 --> 00:57:59.199
<v Speaker 19>June of twenty twenty three.

1146
00:58:01.119 --> 00:58:01.559
<v Speaker 11>We have.

1147
00:58:03.079 --> 00:58:05.079
<v Speaker 19>Now, just like a little more than a year later,

1148
00:58:05.079 --> 00:58:09.519
<v Speaker 19>we've got spalling occurring on several of the panels. I

1149
00:58:09.679 --> 00:58:14.519
<v Speaker 19>had been looking for options to perhaps retreat or seal

1150
00:58:15.079 --> 00:58:16.239
<v Speaker 19>to stop the spalling.

1151
00:58:16.519 --> 00:58:18.480
<v Speaker 5>Hey, did you get any let me ask you this.

1152
00:58:18.519 --> 00:58:20.440
<v Speaker 5>Did you get any kind of a warranty on this?

1153
00:58:21.639 --> 00:58:26.039
<v Speaker 19>There was a one year warranty, which has obviously since passed.

1154
00:58:26.440 --> 00:58:31.559
<v Speaker 19>I did have the contractor. Elite Contracting is a contractor.

1155
00:58:31.880 --> 00:58:35.159
<v Speaker 19>He came out about two weeks ago, just because I

1156
00:58:35.159 --> 00:58:37.760
<v Speaker 19>had called him to look at it, and he said,

1157
00:58:37.800 --> 00:58:42.719
<v Speaker 19>the spawling is actually normal, well, stuff that comes off

1158
00:58:42.719 --> 00:58:43.599
<v Speaker 19>of the road.

1159
00:58:43.679 --> 00:58:46.639
<v Speaker 5>Hold on, hold on, it's not normal. It can happen

1160
00:58:46.639 --> 00:58:47.800
<v Speaker 5>from madchloride.

1161
00:58:48.199 --> 00:58:53.639
<v Speaker 4>But if it's done properly, the concrete, it normally doesn't happen.

1162
00:58:55.480 --> 00:59:00.199
<v Speaker 5>Right, not so soon, Let's put it this way, not

1163
00:59:00.360 --> 00:59:05.840
<v Speaker 5>so soon. Now we have Elite, it's not the same company.

1164
00:59:05.920 --> 00:59:11.719
<v Speaker 5>You're talking about, Elite garage floors on a referral list

1165
00:59:11.760 --> 00:59:12.239
<v Speaker 5>and on the.

1166
00:59:12.199 --> 00:59:15.519
<v Speaker 4>Show, and he can fix that.

1167
00:59:16.840 --> 00:59:20.440
<v Speaker 5>What he does is sprays all of that, not sprays,

1168
00:59:20.480 --> 00:59:23.880
<v Speaker 5>but cleans all of that off, pressure washes it off,

1169
00:59:23.920 --> 00:59:25.639
<v Speaker 5>and beat and blasts it.

1170
00:59:26.000 --> 00:59:27.639
<v Speaker 4>I think it's a bead blast, whatever it is. He

1171
00:59:27.679 --> 00:59:30.559
<v Speaker 4>gets rid of all the soft crap.

1172
00:59:30.320 --> 00:59:34.320
<v Speaker 5>On top that's about to spall or that has already spalled,

1173
00:59:34.719 --> 00:59:37.800
<v Speaker 5>and then what he ends up with is some exposed aggregate,

1174
00:59:38.239 --> 00:59:41.639
<v Speaker 5>and in some areas the finish is still good. Then

1175
00:59:41.679 --> 00:59:47.079
<v Speaker 5>he fills it with a polymer that adheres, and then

1176
00:59:48.119 --> 00:59:51.880
<v Speaker 5>he grinds it all even and puts a coating on it,

1177
00:59:52.719 --> 00:59:56.840
<v Speaker 5>and it looks beautiful. But it's going to cost you know,

1178
00:59:56.880 --> 01:00:00.280
<v Speaker 5>it's not going to be outrageous, but it's going to

1179
01:00:00.360 --> 01:00:03.000
<v Speaker 5>be way cheaper than if you had to jackhammer that

1180
01:00:03.119 --> 01:00:04.800
<v Speaker 5>all out and redo it.

1181
01:00:06.920 --> 01:00:10.320
<v Speaker 19>Sure, And one of the things that was considering was

1182
01:00:11.719 --> 01:00:15.719
<v Speaker 19>after talking with Bob at l EM it sounded like

1183
01:00:15.800 --> 01:00:18.000
<v Speaker 19>it might be worth something pursuing, you know, on a

1184
01:00:18.079 --> 01:00:23.159
<v Speaker 19>legal basis, to whine and why because it had rained

1185
01:00:23.360 --> 01:00:27.760
<v Speaker 19>a tremendous amount. You know, it was forecasts and when

1186
01:00:27.760 --> 01:00:31.039
<v Speaker 19>they came in laid the did the first poor it

1187
01:00:31.159 --> 01:00:35.000
<v Speaker 19>rained late in the afternoon a whole lot. Okay, Bob

1188
01:00:35.159 --> 01:00:37.199
<v Speaker 19>was believing that, you know, there was too much water

1189
01:00:37.239 --> 01:00:38.239
<v Speaker 19>involved in the concrete.

1190
01:00:38.519 --> 01:00:41.159
<v Speaker 4>Well, it could be. It could be so, so let's

1191
01:00:41.599 --> 01:00:42.920
<v Speaker 4>I mean, it very well could be.

1192
01:00:42.960 --> 01:00:46.639
<v Speaker 5>So let's say it is. Okay, is this elite contractor

1193
01:00:47.159 --> 01:00:49.079
<v Speaker 5>worth going after? Does he have a lot of money?

1194
01:00:49.079 --> 01:00:49.480
<v Speaker 4>Do you think?

1195
01:00:51.199 --> 01:00:52.480
<v Speaker 10>I don't know if there's a lot of money.

1196
01:00:52.519 --> 01:00:54.599
<v Speaker 11>We certainly spent a lot of money to make.

1197
01:00:54.440 --> 01:00:57.000
<v Speaker 4>The How much did you spend? How much did you spend?

1198
01:00:57.440 --> 01:00:58.800
<v Speaker 19>Forty six thousand?

1199
01:00:59.039 --> 01:01:01.719
<v Speaker 5>That's a lot of money. Now listen, I'm going to

1200
01:01:01.760 --> 01:01:03.960
<v Speaker 5>tell you how much. How many square feet are we

1201
01:01:04.000 --> 01:01:04.519
<v Speaker 5>talking about?

1202
01:01:05.159 --> 01:01:05.400
<v Speaker 4>About?

1203
01:01:05.480 --> 01:01:06.559
<v Speaker 9>Thirty seven hundred?

1204
01:01:07.000 --> 01:01:11.000
<v Speaker 4>Okay, Now, to get this done properly, it's going to

1205
01:01:11.079 --> 01:01:14.159
<v Speaker 4>cost you. And to go after them, it's going to

1206
01:01:14.239 --> 01:01:14.679
<v Speaker 4>cost you.

1207
01:01:15.880 --> 01:01:19.760
<v Speaker 5>I really believe. Now Elite could just go bankrupt as well.

1208
01:01:20.119 --> 01:01:22.920
<v Speaker 5>I mean, if you got a big award, do you

1209
01:01:22.920 --> 01:01:24.360
<v Speaker 5>think they can afford to redo it.

1210
01:01:24.400 --> 01:01:26.400
<v Speaker 4>Are they willing to redo it? Did you ask him?

1211
01:01:28.760 --> 01:01:30.960
<v Speaker 19>I'm certain he would not be willing to redo it.

1212
01:01:31.039 --> 01:01:33.119
<v Speaker 19>He said that again when he was out here two

1213
01:01:33.119 --> 01:01:33.519
<v Speaker 19>weeks ago.

1214
01:01:33.559 --> 01:01:34.760
<v Speaker 9>He said, that's normal, you know.

1215
01:01:34.920 --> 01:01:36.599
<v Speaker 4>So, no, okay, it's not normal.

1216
01:01:36.960 --> 01:01:39.880
<v Speaker 5>Depending on how bad it is, it'll cost you anywhere

1217
01:01:39.920 --> 01:01:43.119
<v Speaker 5>from fifteen to twenty five thousand to fix. With a

1218
01:01:43.159 --> 01:01:47.159
<v Speaker 5>perfect finish, it'll be better than the original. It'll look beautiful,

1219
01:01:48.239 --> 01:01:52.920
<v Speaker 5>but it's going to cost you every bit. You're not

1220
01:01:53.079 --> 01:01:57.079
<v Speaker 5>going to go to court at for less than fifteen

1221
01:01:57.159 --> 01:01:57.920
<v Speaker 5>or twenty grand.

1222
01:01:58.079 --> 01:01:59.159
<v Speaker 4>You're just not going to.

1223
01:02:00.639 --> 01:02:03.079
<v Speaker 5>So if you went to court for fifteen or twenty

1224
01:02:03.119 --> 01:02:07.159
<v Speaker 5>and one forty, do the math man, You do whatever

1225
01:02:07.199 --> 01:02:10.480
<v Speaker 5>you want. I mean, l EM's probably right. There's probably

1226
01:02:10.639 --> 01:02:14.880
<v Speaker 5>was a little ineptitude. But was it fraud? Was it actionable?

1227
01:02:15.440 --> 01:02:17.840
<v Speaker 5>John Fuller? Are things like that.

1228
01:02:17.840 --> 01:02:19.880
<v Speaker 4>Is incompetence actionable?

1229
01:02:20.119 --> 01:02:23.559
<v Speaker 5>Let's say, for argument's sake, this guy did the driveway

1230
01:02:23.840 --> 01:02:26.800
<v Speaker 5>and it rained and he didn't properly cover it, or

1231
01:02:26.800 --> 01:02:28.519
<v Speaker 5>there was too much water in the.

1232
01:02:28.440 --> 01:02:31.440
<v Speaker 4>Mix, and that's exactly what happened. Too much water caused

1233
01:02:31.440 --> 01:02:33.480
<v Speaker 4>it to spawl because that's what usually happens.

1234
01:02:33.960 --> 01:02:37.159
<v Speaker 5>So what happens then? I mean, does he say that's

1235
01:02:37.199 --> 01:02:37.880
<v Speaker 5>not our fault?

1236
01:02:38.800 --> 01:02:40.679
<v Speaker 15>You can say that, But here's the thing. I mean,

1237
01:02:40.679 --> 01:02:44.519
<v Speaker 15>that's kind of the textbook definition of negligence. Okay, you know,

1238
01:02:44.599 --> 01:02:47.039
<v Speaker 15>the failure to do what a reasonable person in that

1239
01:02:47.079 --> 01:02:49.800
<v Speaker 15>same or similar circumstances would win.

1240
01:02:50.400 --> 01:02:51.239
<v Speaker 14>He could win, but.

1241
01:02:51.440 --> 01:02:52.679
<v Speaker 4>Does he get attorney's face.

1242
01:02:53.079 --> 01:02:55.320
<v Speaker 14>He most likely will not.

1243
01:02:55.800 --> 01:02:59.880
<v Speaker 15>Yeah, and unless the contract term specifies at the prevailing

1244
01:03:00.039 --> 01:03:04.280
<v Speaker 15>already gets fees. The general rule is no, each side

1245
01:03:04.280 --> 01:03:07.559
<v Speaker 15>pays their own fees. So I mean, you can win,

1246
01:03:07.760 --> 01:03:10.920
<v Speaker 15>but not really win, is the bottom line.

1247
01:03:11.599 --> 01:03:17.119
<v Speaker 4>You may, Kevin, you may want to try something in

1248
01:03:17.199 --> 01:03:20.679
<v Speaker 4>small claims court against the guy for seventy five hundred

1249
01:03:21.280 --> 01:03:25.239
<v Speaker 4>and just claim that it's toward the total damages. Get

1250
01:03:25.239 --> 01:03:26.159
<v Speaker 4>it written.

1251
01:03:27.880 --> 01:03:32.880
<v Speaker 5>Written estimate from Tony over at ELITEGF dot com, Elite

1252
01:03:32.960 --> 01:03:36.519
<v Speaker 5>garage floors. Get a written estimate and say this is

1253
01:03:36.559 --> 01:03:39.800
<v Speaker 5>what it's going to take to these are the words

1254
01:03:39.800 --> 01:03:43.559
<v Speaker 5>you use to mitigate my damages, because to do it

1255
01:03:43.599 --> 01:03:46.320
<v Speaker 5>over would be even more than that. Like you said,

1256
01:03:46.360 --> 01:03:49.199
<v Speaker 5>like if you spent forty something thousand to begin with

1257
01:03:49.880 --> 01:03:52.920
<v Speaker 5>forty four grand or whatever, and they got to tear

1258
01:03:52.960 --> 01:03:54.960
<v Speaker 5>it all out. It's going to cost you sixty thousand

1259
01:03:55.039 --> 01:03:57.960
<v Speaker 5>to redo it. So let's just say it's going to

1260
01:03:58.039 --> 01:04:01.320
<v Speaker 5>cost twenty fifteen or twenty to fix said, and you

1261
01:04:01.800 --> 01:04:04.599
<v Speaker 5>sue him for seventy five hundred because you want at

1262
01:04:04.679 --> 01:04:08.679
<v Speaker 5>least something. You might win, but if you go to court,

1263
01:04:09.920 --> 01:04:13.960
<v Speaker 5>you probably could win. Maybe, but then you got a

1264
01:04:14.039 --> 01:04:15.519
<v Speaker 5>couple problems.

1265
01:04:15.559 --> 01:04:17.960
<v Speaker 4>More than a couple, you got three problems.

1266
01:04:18.559 --> 01:04:24.119
<v Speaker 5>He could do bankruptcy, he could simply not pay you

1267
01:04:24.920 --> 01:04:27.719
<v Speaker 5>and then you spend your life chasing it. And three

1268
01:04:27.760 --> 01:04:31.920
<v Speaker 5>you could end up paying enormous attorney's fees.

1269
01:04:34.079 --> 01:04:37.880
<v Speaker 15>Right, I'd be more worried about that bankruptcy option, Yeah.

1270
01:04:38.000 --> 01:04:41.880
<v Speaker 5>Because unless it's fraud, and it's not fraud in my opinion,

1271
01:04:42.599 --> 01:04:45.079
<v Speaker 5>I mean, the guy did the work, he just was stupid.

1272
01:04:46.039 --> 01:04:49.320
<v Speaker 5>Then you're looking at this guy. I mean, if he

1273
01:04:49.360 --> 01:04:51.599
<v Speaker 5>ever got a judgment against him for forty four grand,

1274
01:04:52.480 --> 01:04:57.480
<v Speaker 5>unless he's some giant company like you know, Sundown Landscaping,

1275
01:04:57.519 --> 01:05:01.000
<v Speaker 5>These big giant companies or whatever they're called Sundown or whatever,

1276
01:05:01.519 --> 01:05:04.280
<v Speaker 5>you're gonna get, you're gonna get somebody doing a BK.

1277
01:05:05.840 --> 01:05:09.119
<v Speaker 5>So you got to really be judicious when people think

1278
01:05:09.159 --> 01:05:14.079
<v Speaker 5>because they're right, that's all they need to be. But unfortunately,

1279
01:05:15.000 --> 01:05:18.800
<v Speaker 5>there's a lot more to it than being right. I'm

1280
01:05:18.840 --> 01:05:21.559
<v Speaker 5>in John, I'll bet you in personal injury cases there

1281
01:05:21.599 --> 01:05:24.320
<v Speaker 5>are people that are right and deserve I'll bet you

1282
01:05:24.519 --> 01:05:28.760
<v Speaker 5>there's nothing more heartbreaking. And thanks for calling, by the way, Kevin,

1283
01:05:28.800 --> 01:05:34.000
<v Speaker 5>And really I would call ELITEGF dot com, Elite Garage Doors.

1284
01:05:34.039 --> 01:05:36.320
<v Speaker 5>Let me, did I give you that number? Let me

1285
01:05:36.360 --> 01:05:41.480
<v Speaker 5>give it to you. It's seven to zero nine three

1286
01:05:41.679 --> 01:05:46.800
<v Speaker 5>nine two four four eight ELITEGF dot com. John, I'll

1287
01:05:46.800 --> 01:05:49.880
<v Speaker 5>bet you there's nothing more heartbreaking than having a client

1288
01:05:49.960 --> 01:05:54.119
<v Speaker 5>that that probably would be worth millions in damages and

1289
01:05:54.159 --> 01:05:55.880
<v Speaker 5>there's nowhere to go for money.

1290
01:05:55.960 --> 01:05:57.400
<v Speaker 4>Isn't that just a fact of life?

1291
01:05:57.400 --> 01:05:57.760
<v Speaker 6>Sometime?

1292
01:05:57.840 --> 01:05:59.440
<v Speaker 14>We deal with that every day time?

1293
01:05:59.679 --> 01:06:02.360
<v Speaker 15>God, you know we Unfortunately we live in a state

1294
01:06:02.440 --> 01:06:06.079
<v Speaker 15>where the minimal limits that you're required to have are

1295
01:06:06.119 --> 01:06:08.719
<v Speaker 15>only twenty five thousand, and when that law was put

1296
01:06:08.760 --> 01:06:11.159
<v Speaker 15>into effect, twenty five thousand, with a lot more money

1297
01:06:11.159 --> 01:06:12.039
<v Speaker 15>than it is today.

1298
01:06:12.280 --> 01:06:15.119
<v Speaker 4>Oh well, what happens then? What happens truly if you

1299
01:06:15.360 --> 01:06:19.960
<v Speaker 4>prove five hundred thousand damages or a million and they

1300
01:06:20.039 --> 01:06:22.719
<v Speaker 4>don't have the insurance, and you know, damn well, they're

1301
01:06:22.760 --> 01:06:26.760
<v Speaker 4>never going to have the money. What happens, nothing, nothing,

1302
01:06:27.360 --> 01:06:30.559
<v Speaker 4>It's worth exactly what that same judgment was that you

1303
01:06:30.719 --> 01:06:31.440
<v Speaker 4>just talked about.

1304
01:06:31.480 --> 01:06:36.519
<v Speaker 15>For that, for that caller, I mean absent some egregious

1305
01:06:36.599 --> 01:06:39.719
<v Speaker 15>conduct that would make it non dischargeable. Okay, like they

1306
01:06:39.719 --> 01:06:42.679
<v Speaker 15>were drunk or something like whatever. You know, absent something

1307
01:06:42.760 --> 01:06:45.480
<v Speaker 15>like that. And even with that, you're never going to

1308
01:06:45.559 --> 01:06:46.039
<v Speaker 15>get paid.

1309
01:06:46.360 --> 01:06:46.760
<v Speaker 4>I mean the.

1310
01:06:46.679 --> 01:06:48.400
<v Speaker 14>Bottom of paper.

1311
01:06:48.480 --> 01:06:48.840
<v Speaker 4>That's right.

1312
01:06:49.000 --> 01:06:50.079
<v Speaker 14>They didn't do anything for you.

1313
01:06:50.119 --> 01:06:52.519
<v Speaker 15>So that's why a heart people are like John, why

1314
01:06:52.519 --> 01:06:53.719
<v Speaker 15>do you always talk.

1315
01:06:53.559 --> 01:06:56.079
<v Speaker 14>About this church or motorists over and over and over.

1316
01:06:56.159 --> 01:06:58.320
<v Speaker 4>All you do is selling Christ protecting yourself.

1317
01:06:58.400 --> 01:07:01.000
<v Speaker 15>It's because it's the only way you can protect yourself.

1318
01:07:01.000 --> 01:07:04.079
<v Speaker 15>Because I've had hundreds and hundreds of clients that have

1319
01:07:04.199 --> 01:07:07.559
<v Speaker 15>sat down and said, wow, we really have great insurance.

1320
01:07:07.559 --> 01:07:10.519
<v Speaker 15>I've got an umbrella and we got millions, and you

1321
01:07:10.559 --> 01:07:12.840
<v Speaker 15>look at their insurance and they've got just that, but

1322
01:07:13.000 --> 01:07:16.320
<v Speaker 15>nothing out of them, but nothing for themselves. And so

1323
01:07:16.400 --> 01:07:19.559
<v Speaker 15>when they get hit by an uninsured motorist or you

1324
01:07:19.599 --> 01:07:22.360
<v Speaker 15>know some guy that's got twenty five grand, and that's it.

1325
01:07:22.920 --> 01:07:26.320
<v Speaker 15>That's the only set that person has in the world.

1326
01:07:26.440 --> 01:07:30.360
<v Speaker 4>You have to ensure not only your liability to others,

1327
01:07:30.559 --> 01:07:35.000
<v Speaker 4>but others liability to you. Yes, exactly the in the

1328
01:07:35.039 --> 01:07:41.440
<v Speaker 4>event they're losers. More coming right up, Go with a

1329
01:07:41.480 --> 01:07:45.039
<v Speaker 4>sure thing Denver's best roofer Excel Roofing dot com. You

1330
01:07:45.039 --> 01:07:47.000
<v Speaker 4>don't pay a cent until you're content.

1331
01:07:50.360 --> 01:07:53.920
<v Speaker 5>Time for an insurance checkup free, no obligation comparison call

1332
01:07:54.039 --> 01:07:57.320
<v Speaker 5>Compass Insurance paying too much your coverage at dozens of

1333
01:07:57.360 --> 01:08:00.320
<v Speaker 5>insurance companies find out now three O three seven seven

1334
01:08:00.320 --> 01:08:00.519
<v Speaker 5>to one.

1335
01:08:00.679 --> 01:08:03.519
<v Speaker 4>Help. You'll think you're his only customer when you choose

1336
01:08:03.519 --> 01:08:06.039
<v Speaker 4>Frank durand the real estate Man dot com to list

1337
01:08:06.079 --> 01:08:09.119
<v Speaker 4>your home with Remax Alliance three oh three nine two

1338
01:08:09.239 --> 01:08:11.079
<v Speaker 4>zero sixteen twenty two.

1339
01:08:12.280 --> 01:08:16.920
<v Speaker 5>Hi Tom Martino, you're good all three seven one three

1340
01:08:17.000 --> 01:08:23.359
<v Speaker 5>tok all right, So, Kevin Caulkin, do you have a

1341
01:08:23.399 --> 01:08:26.479
<v Speaker 5>price on what that rear differential motor would be for

1342
01:08:26.560 --> 01:08:28.279
<v Speaker 5>Jeff's mom?

1343
01:08:28.680 --> 01:08:31.239
<v Speaker 18>Yeah, that the eight hundred dollars price is not a bad.

1344
01:08:31.079 --> 01:08:33.680
<v Speaker 11>Price at all. Okay, it's not a lot of labor.

1345
01:08:33.720 --> 01:08:36.840
<v Speaker 18>But the motor itself is about five six hundred dollars.

1346
01:08:37.199 --> 01:08:40.279
<v Speaker 5>Okay, So therefore that dealer was not raking them over

1347
01:08:40.319 --> 01:08:40.920
<v Speaker 5>the coals for.

1348
01:08:40.920 --> 01:08:45.159
<v Speaker 4>Eight fifty No, not at all, Not at all, Jeff.

1349
01:08:45.439 --> 01:08:47.000
<v Speaker 4>At least you know that, right.

1350
01:08:47.159 --> 01:08:49.600
<v Speaker 5>I mean, there's not much we can do about getting

1351
01:08:49.680 --> 01:08:55.039
<v Speaker 5>it paid for. But it's not exorbitant. You're not going

1352
01:08:55.119 --> 01:08:57.439
<v Speaker 5>to save much money elsewhere.

1353
01:08:58.159 --> 01:08:59.399
<v Speaker 8>Not unless you know.

1354
01:09:01.439 --> 01:09:02.079
<v Speaker 4>It's too bad.

1355
01:09:02.119 --> 01:09:04.479
<v Speaker 5>But man, you know, hey, listen, the car lasts at

1356
01:09:04.520 --> 01:09:06.399
<v Speaker 5>eighty eight thousand miles five years.

1357
01:09:06.399 --> 01:09:09.439
<v Speaker 4>You got there's maintenance free car.

1358
01:09:09.560 --> 01:09:12.399
<v Speaker 5>I wish I had better news for but I doubt

1359
01:09:12.479 --> 01:09:15.760
<v Speaker 5>you get any. Kevin, have you ever heard of manufacturers

1360
01:09:15.800 --> 01:09:17.199
<v Speaker 5>paying for a service bulletin?

1361
01:09:18.640 --> 01:09:19.399
<v Speaker 9>No?

1362
01:09:19.399 --> 01:09:22.439
<v Speaker 11>No, It's just just a helpful guide, is all it

1363
01:09:22.520 --> 01:09:23.039
<v Speaker 11>really is.

1364
01:09:24.399 --> 01:09:28.119
<v Speaker 5>Shared an auto tech dot com. Thank you, Kevin shared

1365
01:09:28.119 --> 01:09:32.359
<v Speaker 5>an autotech dot com including pre buy inspections by the

1366
01:09:32.359 --> 01:09:34.800
<v Speaker 5>way for used cars at one hundred twenty bucks three

1367
01:09:34.840 --> 01:09:37.399
<v Speaker 5>oh three, four five five seventy two forty two. I'm

1368
01:09:37.399 --> 01:09:42.640
<v Speaker 5>Tom Martino along with John Fuller Personal injuryco dot com.

1369
01:09:42.640 --> 01:09:44.319
<v Speaker 4>More coming up on the show.

1370
01:09:47.920 --> 01:09:51.199
<v Speaker 5>Go with a sure thing Denver's Best roofer Excel Roofing

1371
01:09:51.279 --> 01:09:53.920
<v Speaker 5>dot com. You don't pay a cent until you're content

1372
01:09:57.319 --> 01:10:00.000
<v Speaker 5>time for an insurance check up free, no obligation. Could

1373
01:10:00.000 --> 01:10:03.760
<v Speaker 5>comparison call Compass insurance paying too much your coverage at

1374
01:10:03.840 --> 01:10:06.560
<v Speaker 5>dozens of insurance companies. Find out now three all three

1375
01:10:06.720 --> 01:10:07.880
<v Speaker 5>seven seven one help.

1376
01:10:08.039 --> 01:10:10.680
<v Speaker 4>You'll think you're his only customer when you choose Frank

1377
01:10:10.760 --> 01:10:13.199
<v Speaker 4>durand the real estate man dot Com to list your

1378
01:10:13.239 --> 01:10:16.359
<v Speaker 4>home with Remax Alliance three all three nine two zero

1379
01:10:16.520 --> 01:10:17.600
<v Speaker 4>sixteen twenty.

1380
01:10:17.279 --> 01:10:27.840
<v Speaker 1>Two rips need advice, so.

1381
01:10:28.000 --> 01:10:28.600
<v Speaker 20>You don't have.

1382
01:10:30.840 --> 01:10:36.119
<v Speaker 1>Come running as fast as we can show Shooter's gonna help.

1383
01:10:36.119 --> 01:10:40.159
<v Speaker 3>Come Man six is the Troubleshooter Show.

1384
01:10:40.800 --> 01:10:46.800
<v Speaker 4>Now, Tom Martino, Hi, Tom Martino here, Welcome to the show.

1385
01:10:46.840 --> 01:10:50.520
<v Speaker 5>Off your streaming, you'll see the handsome gentleman to my right,

1386
01:10:50.680 --> 01:10:51.760
<v Speaker 5>and that's John Fuller.

1387
01:10:51.800 --> 01:10:52.479
<v Speaker 4>And then we have.

1388
01:10:54.479 --> 01:10:57.199
<v Speaker 5>Me, of course, and we have Mark I think is

1389
01:10:57.600 --> 01:11:00.960
<v Speaker 5>in parts unknown he's on, and and uh is Mark

1390
01:11:01.039 --> 01:11:03.399
<v Speaker 5>still on three oh three seven one three Talk seven

1391
01:11:03.439 --> 01:11:05.720
<v Speaker 5>one three eight two five five whatever. We're doing our show,

1392
01:11:06.000 --> 01:11:10.840
<v Speaker 5>solving problems, answering questions, taking complaints. We have open lines

1393
01:11:10.840 --> 01:11:13.159
<v Speaker 5>for the first time this morning at three O three

1394
01:11:13.279 --> 01:11:16.079
<v Speaker 5>seven one three Talk three oh three seven one three eight.

1395
01:11:15.880 --> 01:11:16.600
<v Speaker 4>Two five five.

1396
01:11:16.920 --> 01:11:18.479
<v Speaker 5>But I'm kind of happy about that because I have

1397
01:11:18.479 --> 01:11:19.319
<v Speaker 5>a lot to talk about.

1398
01:11:19.600 --> 01:11:20.520
<v Speaker 4>Not not really happy.

1399
01:11:20.560 --> 01:11:24.319
<v Speaker 5>If you call, your calls take priority, you'll get right in. Okay,

1400
01:11:24.399 --> 01:11:26.640
<v Speaker 5>three oh three seven one three talk, or you can

1401
01:11:26.680 --> 01:11:29.560
<v Speaker 5>call three oh three Martino three O three six two

1402
01:11:29.680 --> 01:11:32.079
<v Speaker 5>seven eight four six six. This hour brought to you

1403
01:11:32.119 --> 01:11:35.640
<v Speaker 5>by waterpros dot net by the way, and that's water

1404
01:11:35.680 --> 01:11:40.560
<v Speaker 5>pros for your water softener and your drinking filter both.

1405
01:11:40.680 --> 01:11:44.159
<v Speaker 5>Listen to this reverse osmosis both for thirty one ninety five.

1406
01:11:44.399 --> 01:11:47.239
<v Speaker 5>I have never seen a deal this good ever, and

1407
01:11:47.359 --> 01:11:52.079
<v Speaker 5>I have these systems. Mark has the system for softening alone.

1408
01:11:52.119 --> 01:11:55.560
<v Speaker 5>It was thirty four one hundred. For the reverse osmosis

1409
01:11:55.640 --> 01:11:58.199
<v Speaker 5>drinking it was fourteen hundred. So add those together over

1410
01:11:58.319 --> 01:12:01.159
<v Speaker 5>forty five front whatever. Now you're getting them both for

1411
01:12:01.239 --> 01:12:04.920
<v Speaker 5>thirty one ninety five a limited time till Labor Day.

1412
01:12:05.319 --> 01:12:07.439
<v Speaker 5>Please call them three h three eight six two five

1413
01:12:07.479 --> 01:12:10.880
<v Speaker 5>five five four waterpros dot net. Now let's talk about

1414
01:12:11.039 --> 01:12:14.239
<v Speaker 5>something that I've wanted to talk about, and it has

1415
01:12:14.319 --> 01:12:14.960
<v Speaker 5>to do with.

1416
01:12:17.600 --> 01:12:19.479
<v Speaker 4>It really has to do with.

1417
01:12:21.159 --> 01:12:24.399
<v Speaker 5>The It's not politics, but it has to do a

1418
01:12:24.439 --> 01:12:29.199
<v Speaker 5>little bit with what people are throwing around with politics. Again,

1419
01:12:29.680 --> 01:12:32.880
<v Speaker 5>nothing to do with politics itself, but you hear a

1420
01:12:32.920 --> 01:12:39.640
<v Speaker 5>lot of people calling each other names, right, fascists. Now,

1421
01:12:39.720 --> 01:12:44.279
<v Speaker 5>fascism is something that you hear being called of Trump

1422
01:12:44.479 --> 01:12:50.600
<v Speaker 5>and his ilk and you hear either communism, communist or

1423
01:12:50.960 --> 01:13:00.800
<v Speaker 5>socialist being bantered about for Kamala or the gang. And

1424
01:13:00.920 --> 01:13:04.560
<v Speaker 5>what I've always found shocking to me is how all

1425
01:13:04.600 --> 01:13:07.880
<v Speaker 5>of this information with the Internet is just out there,

1426
01:13:08.119 --> 01:13:10.840
<v Speaker 5>all of it, all of it is out there for

1427
01:13:10.920 --> 01:13:14.439
<v Speaker 5>you to look at as to what it is. Yet

1428
01:13:14.960 --> 01:13:18.520
<v Speaker 5>no one seems to just be a like Project twenty

1429
01:13:18.560 --> 01:13:26.640
<v Speaker 5>twenty five. Everyone talks about stuff, but who actually who actually.

1430
01:13:27.439 --> 01:13:31.840
<v Speaker 4>Looks it up? Who actually reads it? Have you ever

1431
01:13:31.880 --> 01:13:35.840
<v Speaker 4>read the Communist Manifesto? John, have you ever read it?

1432
01:13:36.479 --> 01:13:41.119
<v Speaker 5>No, seriously, I've read the entire Communist Manifesto.

1433
01:13:41.760 --> 01:13:45.680
<v Speaker 4>There are also some socialists. Now there's nothing.

1434
01:13:45.399 --> 01:13:49.479
<v Speaker 5>Called the socialist Manifesto, but there have been many documents

1435
01:13:49.720 --> 01:13:52.880
<v Speaker 5>that have been claimed by socialists to be kind of

1436
01:13:53.119 --> 01:14:01.960
<v Speaker 5>like their manifesto. And what's amazing about it is how

1437
01:14:02.079 --> 01:14:07.119
<v Speaker 5>much it You know, how much people get wrong about

1438
01:14:07.119 --> 01:14:11.159
<v Speaker 5>communism and socialism. First of all, they're not even close

1439
01:14:11.199 --> 01:14:16.119
<v Speaker 5>to being the same, not even close, and the same

1440
01:14:16.159 --> 01:14:16.960
<v Speaker 5>with fascism.

1441
01:14:18.479 --> 01:14:21.880
<v Speaker 4>So the bottom line is I went out and looked at.

1442
01:14:21.800 --> 01:14:26.479
<v Speaker 5>All of this and thought, why the Democrats, by the way,

1443
01:14:27.199 --> 01:14:34.279
<v Speaker 5>don't come close. They don't come close to resembling communism.

1444
01:14:34.319 --> 01:14:36.800
<v Speaker 4>Not close, not even one little bit.

1445
01:14:37.199 --> 01:14:39.439
<v Speaker 5>Now, I'm not saying I love what Democrats stand for,

1446
01:14:39.520 --> 01:14:40.439
<v Speaker 5>but they don't come close.

1447
01:14:40.600 --> 01:14:46.520
<v Speaker 4>And the Republicans are not even close to the fascism.

1448
01:14:47.039 --> 01:14:51.880
<v Speaker 5>Now, the reason Republicans are associated with fascism and the

1449
01:14:52.000 --> 01:14:57.079
<v Speaker 5>reason that Democrats are associated with communism, there might be

1450
01:14:57.239 --> 01:15:02.279
<v Speaker 5>reasons they give, but Communism was truly more even though

1451
01:15:02.279 --> 01:15:04.479
<v Speaker 5>they were against religion, was more.

1452
01:15:04.279 --> 01:15:09.640
<v Speaker 4>Of a faith based philosophy than political.

1453
01:15:10.680 --> 01:15:16.279
<v Speaker 5>In fact, Communism fought there should be no government. Did

1454
01:15:16.279 --> 01:15:20.159
<v Speaker 5>you know that there should be no government, There should

1455
01:15:20.199 --> 01:15:24.079
<v Speaker 5>be no ruling class. It should be run by workers

1456
01:15:24.800 --> 01:15:30.439
<v Speaker 5>with committees and no real government. No states, no borders,

1457
01:15:32.239 --> 01:15:41.520
<v Speaker 5>no classes, a classless stateless society, and communal ownership communal,

1458
01:15:41.720 --> 01:15:49.800
<v Speaker 5>not government, communal. That's truly the communist manifesto.

1459
01:15:48.960 --> 01:15:53.880
<v Speaker 4>So when they talk about.

1460
01:15:55.119 --> 01:15:59.399
<v Speaker 5>The communist system, they thought that once you did away

1461
01:15:59.399 --> 01:16:04.600
<v Speaker 5>with class and once everyone had access to everything they needed,

1462
01:16:05.239 --> 01:16:07.800
<v Speaker 5>it was such a flawed philosophy because they don't take

1463
01:16:07.840 --> 01:16:11.359
<v Speaker 5>into consideration human nature. But they say, the reason human

1464
01:16:11.439 --> 01:16:17.239
<v Speaker 5>nature is greedy and selfish is because of the classes

1465
01:16:17.399 --> 01:16:18.760
<v Speaker 5>in society.

1466
01:16:18.840 --> 01:16:22.960
<v Speaker 4>That makes people like that. It takes advantage of the worker,

1467
01:16:23.520 --> 01:16:28.359
<v Speaker 4>and then the bourgeoisie or the upper class.

1468
01:16:28.399 --> 01:16:30.600
<v Speaker 5>Now the bourgeoisie actually stand for middle class, but the

1469
01:16:30.640 --> 01:16:36.119
<v Speaker 5>strong middle class who profits from working class. They say

1470
01:16:36.239 --> 01:16:40.399
<v Speaker 5>that the working class are proletariat. They are the ones

1471
01:16:40.800 --> 01:16:43.760
<v Speaker 5>who are doing all the production, but the profits are

1472
01:16:43.800 --> 01:16:46.760
<v Speaker 5>made by the class above them.

1473
01:16:47.000 --> 01:16:48.880
<v Speaker 4>And the classes make people greedy.

1474
01:16:49.119 --> 01:16:53.520
<v Speaker 5>And the working class strives to be above what they are,

1475
01:16:53.920 --> 01:16:56.159
<v Speaker 5>and bourgeoisie they want.

1476
01:16:56.000 --> 01:16:57.279
<v Speaker 4>To be even higher than they are.

1477
01:16:57.560 --> 01:17:00.640
<v Speaker 5>And it's all this class struggle that cat And if

1478
01:17:00.640 --> 01:17:03.600
<v Speaker 5>you take away the class struggle, and if everybody is

1479
01:17:03.680 --> 01:17:07.560
<v Speaker 5>given what they need, each according to their needs, then

1480
01:17:07.680 --> 01:17:11.439
<v Speaker 5>they would be able to You would do away with greed,

1481
01:17:11.520 --> 01:17:13.880
<v Speaker 5>you would do away with capitalism, you would do away

1482
01:17:13.920 --> 01:17:15.880
<v Speaker 5>with a need for profit, You would do away with

1483
01:17:15.920 --> 01:17:17.159
<v Speaker 5>all of these evil.

1484
01:17:16.880 --> 01:17:22.760
<v Speaker 4>Desires, and mankind would strive. It would never happen ever, ever, ever.

1485
01:17:22.880 --> 01:17:27.520
<v Speaker 4>But that is the belief, that is truly the belief.

1486
01:17:27.600 --> 01:17:32.479
<v Speaker 5>Karl Marx was a very spiritual and philosophical person. Did

1487
01:17:32.520 --> 01:17:35.319
<v Speaker 5>not believe in God at all, but believed in man

1488
01:17:35.720 --> 01:17:40.079
<v Speaker 5>and that inherently, if you took away the state and

1489
01:17:40.119 --> 01:17:44.720
<v Speaker 5>the patriotism, and you took away money, and you took

1490
01:17:44.720 --> 01:17:49.079
<v Speaker 5>away the need for profit and everyone could get everything

1491
01:17:49.119 --> 01:17:53.000
<v Speaker 5>they needed and everything was communal, then you would do

1492
01:17:53.079 --> 01:17:56.600
<v Speaker 5>away with this terrible society. And that's communism.

1493
01:17:56.920 --> 01:18:00.159
<v Speaker 4>It's more truly hippie than anything I've ever seen or

1494
01:18:00.239 --> 01:18:05.600
<v Speaker 4>hurt socialism. I think if you had to pick something closer.

1495
01:18:05.520 --> 01:18:08.079
<v Speaker 5>To the Democratic Party, it would be socialism. And in fact,

1496
01:18:08.560 --> 01:18:12.000
<v Speaker 5>many of them admit to it. They say they're democratic socialists.

1497
01:18:13.199 --> 01:18:16.600
<v Speaker 4>Socialism believes in government.

1498
01:18:17.319 --> 01:18:20.760
<v Speaker 5>Communism believes in no government none. They want no states

1499
01:18:20.800 --> 01:18:23.960
<v Speaker 5>and no government. They want committees of people of working

1500
01:18:24.000 --> 01:18:30.520
<v Speaker 5>class people. Socialism actually believes that the government should control

1501
01:18:30.560 --> 01:18:32.760
<v Speaker 5>the means of production, not the working class. But then

1502
01:18:33.079 --> 01:18:39.239
<v Speaker 5>everyone is you distribute the assets through the government, and

1503
01:18:39.279 --> 01:18:43.600
<v Speaker 5>that you give equal outcomes to your people, and everyone

1504
01:18:43.640 --> 01:18:46.800
<v Speaker 5>will support the government because of it, and the government

1505
01:18:46.880 --> 01:18:50.880
<v Speaker 5>stands for the good of all and that everyone has

1506
01:18:50.920 --> 01:18:53.239
<v Speaker 5>equal access and that everyone has the.

1507
01:18:53.239 --> 01:18:56.159
<v Speaker 4>Same incomes and the same properties.

1508
01:18:56.239 --> 01:19:01.920
<v Speaker 5>And if you produce more in socialis it's because you.

1509
01:19:01.880 --> 01:19:06.520
<v Speaker 4>Can do more, but you don't keep more and the people.

1510
01:19:07.239 --> 01:19:08.359
<v Speaker 4>This is socialism.

1511
01:19:08.760 --> 01:19:12.199
<v Speaker 5>Now, Socialism wants a strong government. In fact, they want

1512
01:19:12.199 --> 01:19:16.119
<v Speaker 5>a strong central government, not strong state government. And they

1513
01:19:16.199 --> 01:19:24.520
<v Speaker 5>want the government to promote the means of wealth for everyone.

1514
01:19:25.359 --> 01:19:26.239
<v Speaker 5>That's socialism.

1515
01:19:26.319 --> 01:19:32.279
<v Speaker 4>Fascism believes that the corporate structure and the power is

1516
01:19:32.399 --> 01:19:36.640
<v Speaker 4>in the corporate structure and keeping the economy strong, and

1517
01:19:36.680 --> 01:19:41.279
<v Speaker 4>that the government should rule with kind of like corporations.

1518
01:19:41.319 --> 01:19:43.520
<v Speaker 4>I mean, if you had to really dumb it down.

1519
01:19:43.720 --> 01:19:47.680
<v Speaker 5>Okay, So the other thing we haven't talked about, I

1520
01:19:47.720 --> 01:19:51.159
<v Speaker 5>mean we didn't talk about capitalism, which is an economic system.

1521
01:19:51.319 --> 01:19:54.399
<v Speaker 5>And by the way, they're all kind of economic systems

1522
01:19:54.520 --> 01:19:57.439
<v Speaker 5>rather than governmental systems. That's why you can have a

1523
01:19:57.479 --> 01:20:00.720
<v Speaker 5>socialist dictator, you can have a socialist democracy.

1524
01:20:01.119 --> 01:20:03.600
<v Speaker 4>And you've heard AOC and her Elk.

1525
01:20:03.439 --> 01:20:08.159
<v Speaker 5>Saying there and Sanders saying that they're socialist democrats, meaning

1526
01:20:08.399 --> 01:20:10.600
<v Speaker 5>they want people to vote, but they want them to

1527
01:20:10.680 --> 01:20:17.319
<v Speaker 5>vote for a government that will implement socialistic procedures and policies.

1528
01:20:18.039 --> 01:20:22.399
<v Speaker 5>Whereas in Russia, let's say, or China, they they want

1529
01:20:22.439 --> 01:20:24.920
<v Speaker 5>they have dictators, well they don't call them dictators, but

1530
01:20:24.920 --> 01:20:29.359
<v Speaker 5>they have a strong state or party that promotes it's communism.

1531
01:20:29.680 --> 01:20:34.199
<v Speaker 5>But communism in Russia doesn't resemble Marxism at all, not

1532
01:20:34.359 --> 01:20:35.359
<v Speaker 5>even close.

1533
01:20:35.560 --> 01:20:40.640
<v Speaker 4>Or in or in China. But as far as fascism,

1534
01:20:41.000 --> 01:20:46.520
<v Speaker 4>fascism is where they believe the corporate structure will create

1535
01:20:46.560 --> 01:20:50.119
<v Speaker 4>the wealth and that will trickle down a bit, but

1536
01:20:50.399 --> 01:20:53.680
<v Speaker 4>it's really stronger then it's not a lot of people

1537
01:20:53.720 --> 01:20:57.479
<v Speaker 4>mistake it for capitalism. It's not capitalism, of course, believes

1538
01:20:57.720 --> 01:21:01.760
<v Speaker 4>supply and de man will rule. People will fundamentally strive

1539
01:21:02.279 --> 01:21:04.960
<v Speaker 4>for what they're rewarded for, and the better they do,

1540
01:21:05.079 --> 01:21:08.000
<v Speaker 4>the better they should get, and that will keep people

1541
01:21:08.039 --> 01:21:09.159
<v Speaker 4>striving for the best.

1542
01:21:09.399 --> 01:21:11.760
<v Speaker 5>And those who don't produce, you take care of those

1543
01:21:11.800 --> 01:21:15.720
<v Speaker 5>who are sick and confirmed. But basically, if you don't work,

1544
01:21:15.760 --> 01:21:18.520
<v Speaker 5>you don't eat. I mean truly, and they don't mean

1545
01:21:18.560 --> 01:21:24.359
<v Speaker 5>it like somebody stars. But capitalism is probably the most

1546
01:21:24.680 --> 01:21:28.239
<v Speaker 5>basic human tendencies.

1547
01:21:29.119 --> 01:21:33.319
<v Speaker 4>But Mark said, no, it's not. It's just because capitalism

1548
01:21:33.359 --> 01:21:37.600
<v Speaker 4>took a foothold, and that is why everyone recognizes by

1549
01:21:37.600 --> 01:21:40.720
<v Speaker 4>the way that capitalism.

1550
01:21:40.520 --> 01:21:44.720
<v Speaker 5>Was in and of itself, the natural way. But Marx

1551
01:21:44.880 --> 01:21:49.000
<v Speaker 5>argued that it was the natural way because people exploited

1552
01:21:49.479 --> 01:21:52.319
<v Speaker 5>the working class, and that's why it became the natural way.

1553
01:21:52.359 --> 01:21:55.479
<v Speaker 5>It's not really the natural way that you instilled in

1554
01:21:55.560 --> 01:21:59.880
<v Speaker 5>the working man this desire to be better and to

1555
01:22:00.199 --> 01:22:04.560
<v Speaker 5>profit because you have profited and exploited them. So everyone's

1556
01:22:04.600 --> 01:22:08.600
<v Speaker 5>trying to just exploit each other, and that's why capitalism thrives,

1557
01:22:08.800 --> 01:22:13.239
<v Speaker 5>whereas if if you took away all of that, communism

1558
01:22:13.439 --> 01:22:16.399
<v Speaker 5>would be the way. Isn't that weird? But do you

1559
01:22:16.520 --> 01:22:19.720
<v Speaker 5>see that anywhere in America? I see a little bit

1560
01:22:19.760 --> 01:22:23.399
<v Speaker 5>of socialism with socialism democracy, and I see a little

1561
01:22:23.399 --> 01:22:24.159
<v Speaker 5>bit of fascism.

1562
01:22:24.239 --> 01:22:26.640
<v Speaker 4>And please don't think I don't mean this.

1563
01:22:26.760 --> 01:22:30.039
<v Speaker 5>In a I don't when I say I see traits

1564
01:22:30.079 --> 01:22:35.399
<v Speaker 5>of fascism in a strong capitalistic philosophy. But I don't

1565
01:22:35.399 --> 01:22:39.920
<v Speaker 5>mean that like the fascism of the past that created

1566
01:22:39.960 --> 01:22:42.119
<v Speaker 5>wars and poverty.

1567
01:22:42.159 --> 01:22:43.119
<v Speaker 4>I'm not talking about that.

1568
01:22:43.159 --> 01:22:46.399
<v Speaker 5>I'm just saying that you can see where they got

1569
01:22:46.439 --> 01:22:49.600
<v Speaker 5>the idea, you know what I'm saying where they got it.

1570
01:22:49.680 --> 01:22:55.880
<v Speaker 5>But it's truly in American politics, we truly don't have communism,

1571
01:22:56.279 --> 01:23:01.479
<v Speaker 5>nor fascism, nor true socialism. We don't don't, if anything,

1572
01:23:01.520 --> 01:23:05.479
<v Speaker 5>though our government. If you look at social security, that's

1573
01:23:05.520 --> 01:23:10.039
<v Speaker 5>a part that is probably a socialistic kind of atmosphere

1574
01:23:10.079 --> 01:23:13.760
<v Speaker 5>because there is no better or worse in social security.

1575
01:23:14.239 --> 01:23:18.680
<v Speaker 4>Everyone gets the same. But what were you going to say, John, how.

1576
01:23:18.640 --> 01:23:19.520
<v Speaker 14>Much time do we have?

1577
01:23:20.000 --> 01:23:20.159
<v Speaker 4>No?

1578
01:23:20.159 --> 01:23:23.359
<v Speaker 5>I know I'm not you realize I'm not sitting here

1579
01:23:23.359 --> 01:23:25.800
<v Speaker 5>pushing in philosophy. I'm just saying that we we banter

1580
01:23:25.960 --> 01:23:28.720
<v Speaker 5>these terms around all the time, all the time.

1581
01:23:28.880 --> 01:23:35.319
<v Speaker 14>No, we really don't, Okay, because I just hold on

1582
01:23:35.520 --> 01:23:36.119
<v Speaker 14>just a second.

1583
01:23:36.399 --> 01:23:38.680
<v Speaker 15>Nine intents of the people that are using those words

1584
01:23:38.760 --> 01:23:41.199
<v Speaker 15>don't have the first clue what the heck they need.

1585
01:23:41.279 --> 01:23:42.399
<v Speaker 4>That's the point I was making.

1586
01:23:42.439 --> 01:23:45.039
<v Speaker 15>So No, the point is, you just gave a very

1587
01:23:45.079 --> 01:23:48.439
<v Speaker 15>eloquent discussion of the differences between all these and who

1588
01:23:48.560 --> 01:23:51.479
<v Speaker 15>cares It only depends on whether you're trying to accuse

1589
01:23:51.520 --> 01:23:54.560
<v Speaker 15>somebody of being bad or you're trying to tell them

1590
01:23:54.760 --> 01:23:57.479
<v Speaker 15>why your side is better. And so that's really what

1591
01:23:57.560 --> 01:24:00.680
<v Speaker 15>it comes down to. All Republicans are, oh, there, fascist

1592
01:24:00.800 --> 01:24:02.479
<v Speaker 15>and then whatever. They don't know what the hell of

1593
01:24:02.560 --> 01:24:05.479
<v Speaker 15>fascist is. They don't know what that means. All they

1594
01:24:05.520 --> 01:24:07.920
<v Speaker 15>know is it sounds bad and they heard somebody say it,

1595
01:24:08.199 --> 01:24:10.359
<v Speaker 15>and by god, we better just stick with it because

1596
01:24:10.359 --> 01:24:13.199
<v Speaker 15>that's something that means that they're terrible, so you better

1597
01:24:13.199 --> 01:24:15.560
<v Speaker 15>call them back. And then you've got Bernie, and who

1598
01:24:15.560 --> 01:24:18.119
<v Speaker 15>the heck knows what Bernie wants to do? That's you know,

1599
01:24:18.239 --> 01:24:20.840
<v Speaker 15>that guy is almost as bad as Joe Biden is.

1600
01:24:20.880 --> 01:24:25.159
<v Speaker 15>But the fundamental difference in the two sides is the

1601
01:24:25.199 --> 01:24:27.720
<v Speaker 15>definition of the role of government.

1602
01:24:27.319 --> 01:24:28.800
<v Speaker 4>In your life. That's right.

1603
01:24:28.840 --> 01:24:30.359
<v Speaker 14>That really is what it comes down to.

1604
01:24:30.520 --> 01:24:34.520
<v Speaker 15>If you inherently believe the job of government is to

1605
01:24:34.600 --> 01:24:38.520
<v Speaker 15>take care of you and provide for you, you tend

1606
01:24:38.520 --> 01:24:41.159
<v Speaker 15>to fall more on the left side of the spectrum.

1607
01:24:41.439 --> 01:24:43.760
<v Speaker 15>If you think the job of the government is to

1608
01:24:43.800 --> 01:24:46.880
<v Speaker 15>stay the hell out of your way and let you

1609
01:24:46.920 --> 01:24:49.720
<v Speaker 15>provide for yourself, you tend to fall on the right

1610
01:24:49.760 --> 01:24:50.920
<v Speaker 15>side of the spectrum.

1611
01:24:51.119 --> 01:24:52.079
<v Speaker 14>And that's really all.

1612
01:24:52.119 --> 01:24:54.840
<v Speaker 15>It comes down to a little middle ground where we

1613
01:24:55.000 --> 01:24:58.319
<v Speaker 15>find some overlapping stuff. We can disagree about that, but

1614
01:24:58.399 --> 01:25:02.199
<v Speaker 15>fundamentally the two both sides haven't really deviated in one

1615
01:25:02.239 --> 01:25:03.000
<v Speaker 15>hundred years.

1616
01:25:03.079 --> 01:25:05.119
<v Speaker 5>And I don't know why government gets involved in the

1617
01:25:05.159 --> 01:25:08.600
<v Speaker 5>social aspects of life at all because it sells.

1618
01:25:08.800 --> 01:25:12.439
<v Speaker 4>Yeah, that's it. You're right, You're right, because it's a.

1619
01:25:12.399 --> 01:25:15.560
<v Speaker 15>Way to get people riled on arms and riled up

1620
01:25:15.600 --> 01:25:17.279
<v Speaker 15>and motivated and crazy.

1621
01:25:17.399 --> 01:25:17.680
<v Speaker 4>John.

1622
01:25:18.359 --> 01:25:20.199
<v Speaker 5>I'm going to answer after the break, but I want

1623
01:25:20.199 --> 01:25:22.239
<v Speaker 5>to get started with you. What's going on with your hoa?

1624
01:25:22.399 --> 01:25:22.640
<v Speaker 4>John?

1625
01:25:24.239 --> 01:25:24.439
<v Speaker 11>Hi?

1626
01:25:24.680 --> 01:25:31.479
<v Speaker 21>Tom, Hey, we had a patio cover we had previously

1627
01:25:31.640 --> 01:25:34.920
<v Speaker 21>gone ten years ago. It was destroyed in a hailstorm.

1628
01:25:35.399 --> 01:25:38.880
<v Speaker 21>We put up a new one of semi material, and

1629
01:25:38.920 --> 01:25:41.640
<v Speaker 21>now our HOA is saying they don't know why the

1630
01:25:41.680 --> 01:25:44.399
<v Speaker 21>original one was approved and this new one won't be.

1631
01:25:44.680 --> 01:25:46.439
<v Speaker 5>When you did the new one, though, did you go

1632
01:25:46.520 --> 01:25:49.279
<v Speaker 5>through the process or just replace what you had?

1633
01:25:50.399 --> 01:25:52.600
<v Speaker 21>We just replaced what we had, and I will admit

1634
01:25:52.720 --> 01:25:54.520
<v Speaker 21>it is different the old one.

1635
01:25:55.520 --> 01:25:58.279
<v Speaker 11>It's the roofing material of it that is in dispute.

1636
01:25:58.840 --> 01:26:01.640
<v Speaker 5>And Okay, so if it was exactly here's what I'm

1637
01:26:01.640 --> 01:26:04.760
<v Speaker 5>asking John, if it was exactly the same, would they

1638
01:26:04.800 --> 01:26:05.880
<v Speaker 5>have bothered you at all?

1639
01:26:08.720 --> 01:26:10.600
<v Speaker 21>I guess I can't answer that because we did have

1640
01:26:10.640 --> 01:26:13.439
<v Speaker 21>a personal meeting with the HOA board and one of

1641
01:26:13.439 --> 01:26:16.840
<v Speaker 21>the members that I noticed your patio cover did change.

1642
01:26:17.079 --> 01:26:19.319
<v Speaker 5>Ohkay, hold on, we'll come right back with this and

1643
01:26:19.399 --> 01:26:22.399
<v Speaker 5>more coming up. Three oh three seven one, three eight,

1644
01:26:22.479 --> 01:26:31.119
<v Speaker 5>two five five or three oh three Martino, Go with

1645
01:26:31.199 --> 01:26:34.760
<v Speaker 5>a sure thing Denver's Best Roofer Excel Roofing dot com.

1646
01:26:34.800 --> 01:26:36.800
<v Speaker 4>You don't pay a cent until you're content.

1647
01:26:38.399 --> 01:26:43.399
<v Speaker 5>Wait time for an insurance checkup, free no obligation comparison

1648
01:26:43.520 --> 01:26:47.079
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1649
01:26:47.079 --> 01:26:49.800
<v Speaker 5>of insurance companies find out now three oh three seven

1650
01:26:49.920 --> 01:26:52.720
<v Speaker 5>seven to one help. You'll think you're his only customer

1651
01:26:52.760 --> 01:26:55.039
<v Speaker 5>when you choose Frank durand the real estate man dot

1652
01:26:55.039 --> 01:26:58.399
<v Speaker 5>com to list your home with Remax Alliance three oh

1653
01:26:58.399 --> 01:26:59.680
<v Speaker 5>three nine two zero sixteen.

1654
01:26:59.720 --> 01:27:10.600
<v Speaker 4>Twe to.

1655
01:27:08.880 --> 01:27:13.119
<v Speaker 5>Hi, Tom Martino, you're a troubleshooter. What happens when you'd

1656
01:27:13.159 --> 01:27:17.399
<v Speaker 5>replace something but it's a tiny bit different. Well, Ha's

1657
01:27:17.439 --> 01:27:19.800
<v Speaker 5>will take every opportunity to nit pick stuff.

1658
01:27:19.840 --> 01:27:20.000
<v Speaker 4>Man.

1659
01:27:20.079 --> 01:27:23.640
<v Speaker 5>They they have laws for a reason, and their covenants

1660
01:27:24.159 --> 01:27:26.600
<v Speaker 5>more than laws, is what I mean. Their their internal laws.

1661
01:27:26.640 --> 01:27:30.560
<v Speaker 5>And here's the deal. Huas do this for a reason.

1662
01:27:31.279 --> 01:27:36.680
<v Speaker 5>They don't want to show precedent to others. So technically,

1663
01:27:37.640 --> 01:27:40.199
<v Speaker 5>if your house needs to be repainted and you want

1664
01:27:40.199 --> 01:27:45.279
<v Speaker 5>to repaint it the same exact color, technically you're still supposed.

1665
01:27:44.920 --> 01:27:49.920
<v Speaker 4>To run it by Hay's and many covenants. In John's situation,

1666
01:27:50.239 --> 01:27:55.079
<v Speaker 4>it was it was a patio cover that he put up,

1667
01:27:56.119 --> 01:27:58.319
<v Speaker 4>and he said it was the same, but not.

1668
01:27:59.760 --> 01:28:02.680
<v Speaker 5>How much did it differ? Did it differ in color?

1669
01:28:04.840 --> 01:28:09.159
<v Speaker 21>So let me change the termined phraseology because this is important.

1670
01:28:09.159 --> 01:28:12.079
<v Speaker 21>I think to it, it's a gazebo and we bought

1671
01:28:12.279 --> 01:28:16.479
<v Speaker 21>the gazebe just see Tosco there theedar and they have

1672
01:28:16.560 --> 01:28:17.479
<v Speaker 21>a metal roots.

1673
01:28:17.880 --> 01:28:18.239
<v Speaker 4>Got it?

1674
01:28:19.359 --> 01:28:21.600
<v Speaker 11>So, yeah, the base structure changed.

1675
01:28:21.640 --> 01:28:23.720
<v Speaker 21>It was a metal structure before and now it's a

1676
01:28:23.760 --> 01:28:27.039
<v Speaker 21>wood seedar, which the rules of regulations say the structure

1677
01:28:27.119 --> 01:28:27.840
<v Speaker 21>must be wood.

1678
01:28:28.640 --> 01:28:31.439
<v Speaker 5>Now wait a minute, the gazebo is self changed or

1679
01:28:31.479 --> 01:28:32.239
<v Speaker 5>the cover.

1680
01:28:34.000 --> 01:28:35.640
<v Speaker 11>The gazebo.

1681
01:28:36.439 --> 01:28:36.800
<v Speaker 4>Okay.

1682
01:28:36.840 --> 01:28:40.319
<v Speaker 5>So your entire gazebo was it hurt by a storm?

1683
01:28:41.079 --> 01:28:42.039
<v Speaker 11>Yes, it was damaged.

1684
01:28:42.079 --> 01:28:45.319
<v Speaker 21>The roof was damaged by a hailstorm and in surch Okay.

1685
01:28:45.439 --> 01:28:51.479
<v Speaker 5>So when you rebuilt it, a gazebo usually has you know,

1686
01:28:52.199 --> 01:28:57.840
<v Speaker 5>a structure, poles, and a roof, right, correct. Did the

1687
01:28:58.000 --> 01:29:01.319
<v Speaker 5>entire structure, the deck part of it get replaced?

1688
01:29:02.359 --> 01:29:05.399
<v Speaker 11>No? Oh yeah, all of it's been replaced.

1689
01:29:05.079 --> 01:29:07.159
<v Speaker 4>In all of it. Okay, got it? And it used

1690
01:29:07.159 --> 01:29:09.319
<v Speaker 4>to be metal?

1691
01:29:10.680 --> 01:29:11.000
<v Speaker 11>Yes?

1692
01:29:11.680 --> 01:29:14.239
<v Speaker 4>And now what kind of wood is it?

1693
01:29:14.239 --> 01:29:14.760
<v Speaker 11>It's cedar?

1694
01:29:15.560 --> 01:29:19.000
<v Speaker 5>Okay, Okay, now continue now I understand, go ahead.

1695
01:29:19.039 --> 01:29:19.399
<v Speaker 11>Okay.

1696
01:29:19.600 --> 01:29:23.960
<v Speaker 21>So our argument isn't whether we should have gotten approval

1697
01:29:24.000 --> 01:29:27.119
<v Speaker 21>for the new one. It's why they won't approve the

1698
01:29:27.199 --> 01:29:27.800
<v Speaker 21>new one.

1699
01:29:28.119 --> 01:29:30.960
<v Speaker 5>Well okay, So in other words, you did go through

1700
01:29:30.960 --> 01:29:34.199
<v Speaker 5>the process and they would not approve it, or you're

1701
01:29:34.279 --> 01:29:36.319
<v Speaker 5>looking for approval after.

1702
01:29:36.319 --> 01:29:39.079
<v Speaker 21>It's done, looking for approval after.

1703
01:29:39.279 --> 01:29:40.520
<v Speaker 4>Got it okay? Go ahead.

1704
01:29:41.680 --> 01:29:46.760
<v Speaker 21>So there's two sections in our growthen regulations that pertain

1705
01:29:47.479 --> 01:29:52.359
<v Speaker 21>or may pertain. There's one on storage sheds and ancillary structures.

1706
01:29:52.800 --> 01:29:56.319
<v Speaker 21>In that paragraph they name six structures. They do not

1707
01:29:56.520 --> 01:30:02.199
<v Speaker 21>mention the gazebo. It does end with an et, and

1708
01:30:02.680 --> 01:30:06.319
<v Speaker 21>that says the roof material of these structures must match

1709
01:30:06.479 --> 01:30:09.119
<v Speaker 21>the house roof of the house.

1710
01:30:09.439 --> 01:30:11.039
<v Speaker 11>Right, we have a ship roof.

1711
01:30:13.039 --> 01:30:15.359
<v Speaker 4>And what kind of roof? Wait, what kind of roof

1712
01:30:15.399 --> 01:30:15.760
<v Speaker 4>do you have?

1713
01:30:16.359 --> 01:30:17.279
<v Speaker 11>Shingle?

1714
01:30:17.800 --> 01:30:20.039
<v Speaker 4>Okay? And what kind of roof? Does this have? A

1715
01:30:20.079 --> 01:30:22.560
<v Speaker 4>metal roof or what? Or a wood or seed or

1716
01:30:22.560 --> 01:30:23.119
<v Speaker 4>what does it have?

1717
01:30:23.279 --> 01:30:23.520
<v Speaker 14>Now?

1718
01:30:24.560 --> 01:30:27.600
<v Speaker 11>The roof of the gazebo roof is metal, okay?

1719
01:30:27.600 --> 01:30:28.399
<v Speaker 4>Got it okay?

1720
01:30:28.760 --> 01:30:29.079
<v Speaker 11>Okay?

1721
01:30:29.600 --> 01:30:33.239
<v Speaker 21>And then there's a separate section that says decks and

1722
01:30:33.279 --> 01:30:38.439
<v Speaker 21>gazebos so and that section says the structure must be wood,

1723
01:30:38.800 --> 01:30:42.199
<v Speaker 21>but it does not mention the roof material. So we

1724
01:30:42.600 --> 01:30:48.680
<v Speaker 21>are maintaining that section supersedes any applications to ancillary structures

1725
01:30:48.720 --> 01:30:50.399
<v Speaker 21>because it has its own section.

1726
01:30:51.319 --> 01:30:56.880
<v Speaker 4>Okay. So the section about decks and gazebos specifically mention

1727
01:30:57.840 --> 01:31:03.680
<v Speaker 4>that they should be made of would the structures would okay?

1728
01:31:03.720 --> 01:31:10.880
<v Speaker 4>Which is which you comply. And then but decks and gazebos, well,

1729
01:31:11.239 --> 01:31:16.560
<v Speaker 4>most gazebos have roofs, most decks don't. But what it's

1730
01:31:16.640 --> 01:31:22.840
<v Speaker 4>not uncommon to address roofing separately from decks and gazebos

1731
01:31:22.920 --> 01:31:26.640
<v Speaker 4>and outbuildings. You could have a whole section on outbuildings,

1732
01:31:27.119 --> 01:31:30.000
<v Speaker 4>but the roof part of its I don't get and

1733
01:31:30.119 --> 01:31:33.079
<v Speaker 4>I'm only hearing you, and I don't get where you

1734
01:31:33.279 --> 01:31:38.800
<v Speaker 4>think you're right. Because if it says that ancillary buildings,

1735
01:31:38.800 --> 01:31:44.560
<v Speaker 4>et cetera need to match the house's roof, why do

1736
01:31:44.680 --> 01:31:50.560
<v Speaker 4>you feel that the part about gazebos and decks, when

1737
01:31:50.600 --> 01:31:54.840
<v Speaker 4>they talk about the structure being would allows you not

1738
01:31:55.600 --> 01:32:00.279
<v Speaker 4>to match the roof. Are you saying because they don't

1739
01:32:00.319 --> 01:32:02.800
<v Speaker 4>mention a roof, any roof will do.

1740
01:32:04.279 --> 01:32:04.439
<v Speaker 11>Right?

1741
01:32:04.520 --> 01:32:07.119
<v Speaker 4>So I was saying, maybe, well, no, no, but but

1742
01:32:07.359 --> 01:32:09.479
<v Speaker 4>that's what you're you're you're that's what you're saying. I

1743
01:32:09.560 --> 01:32:10.399
<v Speaker 4>want to make that clear.

1744
01:32:10.680 --> 01:32:15.760
<v Speaker 5>So you're saying, because the section about decks and gazebos

1745
01:32:15.840 --> 01:32:17.960
<v Speaker 5>do not mention roofs.

1746
01:32:18.119 --> 01:32:20.800
<v Speaker 4>Any roof will do correct.

1747
01:32:21.479 --> 01:32:24.520
<v Speaker 5>Well, what if you wanted to do your roof in

1748
01:32:24.760 --> 01:32:26.880
<v Speaker 5>some ridiculous grass thatch?

1749
01:32:27.560 --> 01:32:28.399
<v Speaker 4>Would that do.

1750
01:32:32.640 --> 01:32:34.560
<v Speaker 11>I guess I might argument yes.

1751
01:32:35.239 --> 01:32:37.960
<v Speaker 5>Okay, and I guess you would be wrong because what

1752
01:32:38.000 --> 01:32:47.199
<v Speaker 5>I'm saying is roofing is addressed for ancillary buildings and structures.

1753
01:32:44.920 --> 01:32:49.079
<v Speaker 21>And a gazebo would be considered an answer answer or

1754
01:32:49.319 --> 01:32:50.159
<v Speaker 21>the structure.

1755
01:32:50.720 --> 01:32:53.159
<v Speaker 5>Well, what do you think? I mean, what else would

1756
01:32:53.159 --> 01:32:55.640
<v Speaker 5>it be? I mean, I'm not look at I'm not

1757
01:32:55.840 --> 01:32:57.920
<v Speaker 5>gonna call your h o, Wayne said. I think John's

1758
01:32:57.960 --> 01:33:01.279
<v Speaker 5>all wet. But but I do think you're you're barking

1759
01:33:01.359 --> 01:33:04.199
<v Speaker 5>up the wrong treemare bro. I mean, do they just

1760
01:33:04.319 --> 01:33:08.600
<v Speaker 5>want you to change your roof? Yeah, it's not going

1761
01:33:08.680 --> 01:33:10.239
<v Speaker 5>to be that difficult, is it?

1762
01:33:11.720 --> 01:33:14.119
<v Speaker 11>I cost a couple thousand dollars? Maybe?

1763
01:33:14.199 --> 01:33:18.600
<v Speaker 4>Well? How big is how big is that? Uh? Gazebo?

1764
01:33:19.640 --> 01:33:20.760
<v Speaker 11>It's twelve by sixteen?

1765
01:33:21.359 --> 01:33:22.319
<v Speaker 4>Oh wow?

1766
01:33:24.039 --> 01:33:27.279
<v Speaker 5>So to put a roof on that? Can't you put

1767
01:33:27.319 --> 01:33:29.239
<v Speaker 5>Can you put the shingles right over the middle?

1768
01:33:30.640 --> 01:33:32.079
<v Speaker 11>That's what I hope.

1769
01:33:32.159 --> 01:33:34.880
<v Speaker 21>But I don't know, I mean, and I don't know

1770
01:33:34.920 --> 01:33:36.319
<v Speaker 21>whether you have anybody or OK.

1771
01:33:36.520 --> 01:33:39.199
<v Speaker 4>Yeah, let's call let's call Excel Roofing right now.

1772
01:33:39.920 --> 01:33:41.960
<v Speaker 21>Can you liquid nails shingles onto me?

1773
01:33:42.239 --> 01:33:45.520
<v Speaker 5>Let's find out, let's find out. I don't know the

1774
01:33:45.560 --> 01:33:51.520
<v Speaker 5>answer I just don't know the answer. Okay, Hey Kachina, Yeah,

1775
01:33:51.560 --> 01:33:54.239
<v Speaker 5>hold on, could you call Excel Roofing or call Henry

1776
01:33:54.279 --> 01:33:57.199
<v Speaker 5>I think a Jay's out of town, yep, and and

1777
01:33:57.319 --> 01:33:59.600
<v Speaker 5>ask him about that at John, what else were you

1778
01:33:59.640 --> 01:34:00.079
<v Speaker 5>going to say?

1779
01:34:01.600 --> 01:34:05.079
<v Speaker 21>And the other part of it is they ho A

1780
01:34:05.199 --> 01:34:08.199
<v Speaker 21>keeps saying metal roofs are not allowed. And there's nowhere

1781
01:34:08.199 --> 01:34:11.880
<v Speaker 21>in our regulations that even mentioned metal roofs except for

1782
01:34:11.960 --> 01:34:17.279
<v Speaker 21>it specifically says they're not allowed for awnings. Now, maybe

1783
01:34:17.319 --> 01:34:20.439
<v Speaker 21>I think from what you've said, that won't help us anyhow.

1784
01:34:20.159 --> 01:34:22.359
<v Speaker 11>Because you do a great well.

1785
01:34:22.439 --> 01:34:22.960
<v Speaker 4>Yeah, they're not.

1786
01:34:23.119 --> 01:34:26.520
<v Speaker 5>They're not saying the metal roof isn't allowed because metal

1787
01:34:26.600 --> 01:34:27.520
<v Speaker 5>roofs are not allowed.

1788
01:34:27.920 --> 01:34:30.159
<v Speaker 4>It's saying that your roof has to match the house.

1789
01:34:31.199 --> 01:34:32.359
<v Speaker 11>Okay, all right, I'll go.

1790
01:34:32.520 --> 01:34:35.439
<v Speaker 4>I mean, are there any houses that have metal roofs?

1791
01:34:36.680 --> 01:34:36.760
<v Speaker 11>No?

1792
01:34:37.680 --> 01:34:40.720
<v Speaker 4>And in the section and in the section for housing,

1793
01:34:41.239 --> 01:34:43.760
<v Speaker 4>does it give the roofs that are acceptable?

1794
01:34:44.720 --> 01:34:44.960
<v Speaker 11>Yeah?

1795
01:34:45.520 --> 01:34:46.760
<v Speaker 4>And is metal?

1796
01:34:47.840 --> 01:34:51.560
<v Speaker 5>And when it talks about housing and roofs, does it

1797
01:34:51.680 --> 01:34:53.560
<v Speaker 5>mention metal roofs being accepted?

1798
01:34:54.920 --> 01:34:58.439
<v Speaker 4>No? What does it say for homes that with the

1799
01:34:58.520 --> 01:34:59.359
<v Speaker 4>roofing you need?

1800
01:35:00.359 --> 01:35:03.279
<v Speaker 21>It's a list of about a dozen materials in they're

1801
01:35:03.319 --> 01:35:03.800
<v Speaker 21>all shingle.

1802
01:35:04.119 --> 01:35:07.119
<v Speaker 4>Well, then that's where the metal is not approved. Why

1803
01:35:07.119 --> 01:35:07.880
<v Speaker 4>would you think.

1804
01:35:07.680 --> 01:35:09.479
<v Speaker 9>It is all right?

1805
01:35:09.640 --> 01:35:12.119
<v Speaker 5>I mean, in other words, I don't know why you're

1806
01:35:12.159 --> 01:35:15.039
<v Speaker 5>interpreting things the way you are. You're saying because it

1807
01:35:15.079 --> 01:35:17.840
<v Speaker 5>doesn't say metal is prohibited.

1808
01:35:17.640 --> 01:35:18.720
<v Speaker 4>That it's accepted.

1809
01:35:19.159 --> 01:35:22.319
<v Speaker 5>Yet it gives you every single roof that's accepted.

1810
01:35:23.840 --> 01:35:26.279
<v Speaker 11>So even and so I.

1811
01:35:26.199 --> 01:35:29.000
<v Speaker 4>Didn't that's but yeah, that's what they They only listen.

1812
01:35:29.239 --> 01:35:32.840
<v Speaker 5>They only have to give the house because every other

1813
01:35:32.920 --> 01:35:34.680
<v Speaker 5>structure must match the house.

1814
01:35:35.720 --> 01:35:36.600
<v Speaker 11>Okay, I see.

1815
01:35:36.720 --> 01:35:38.760
<v Speaker 4>I mean, look at I'm looking.

1816
01:35:38.520 --> 01:35:40.680
<v Speaker 5>At this from a third party who never talked to

1817
01:35:40.720 --> 01:35:44.039
<v Speaker 5>you before, and I'm giving you a cold blush, which

1818
01:35:44.079 --> 01:35:47.279
<v Speaker 5>is a pretty good indication that I'm being objective here.

1819
01:35:47.560 --> 01:35:50.399
<v Speaker 5>I don't even like Hoa's but I don't I don't

1820
01:35:50.399 --> 01:35:52.840
<v Speaker 5>think you're interpreting it correctly. We have more coming up.

1821
01:35:52.880 --> 01:35:54.760
<v Speaker 5>We're gonna find out about that roof coming.

1822
01:35:54.600 --> 01:36:02.840
<v Speaker 4>Up with a sure thing Denver's Best Roofer Excel roofing

1823
01:36:02.960 --> 01:36:03.560
<v Speaker 4>dot com.

1824
01:36:03.600 --> 01:36:09.319
<v Speaker 5>You don't pay a cent until you're content. Time for

1825
01:36:09.359 --> 01:36:13.119
<v Speaker 5>an insurance check up free no obligation. Comparison call Compass

1826
01:36:13.159 --> 01:36:16.880
<v Speaker 5>insurance paying too much your coverage at dozens of insurance companies.

1827
01:36:16.960 --> 01:36:19.560
<v Speaker 5>Find out now three oh three seven seven to one help.

1828
01:36:19.720 --> 01:36:22.359
<v Speaker 5>You'll think you're his only customer when you choose Frank

1829
01:36:22.439 --> 01:36:24.880
<v Speaker 5>durand the real estate man dot com to list your

1830
01:36:24.880 --> 01:36:28.079
<v Speaker 5>home with Remax Alliance three oh three nine two zero

1831
01:36:28.159 --> 01:36:34.079
<v Speaker 5>sixteen twenty two. Hi Tom Martino here. Hey, if you

1832
01:36:34.119 --> 01:36:39.039
<v Speaker 5>weren't able to get a hold of Excel, I can try.

1833
01:36:38.800 --> 01:36:39.359
<v Speaker 4>On my end.

1834
01:36:39.560 --> 01:36:43.399
<v Speaker 20>Yeah, he isn't texting me back, and he's not answering

1835
01:36:43.399 --> 01:36:44.439
<v Speaker 20>his phone, and.

1836
01:36:44.760 --> 01:36:48.000
<v Speaker 4>I'll uh, I'll tell him I need him three O

1837
01:36:48.159 --> 01:36:51.319
<v Speaker 4>three seven one three talks seven one three eight two

1838
01:36:52.119 --> 01:36:58.880
<v Speaker 4>five five. So we're going to ask about doing a

1839
01:36:59.039 --> 01:37:03.560
<v Speaker 4>roof over a metal roof and they simply want asphalt

1840
01:37:03.600 --> 01:37:03.840
<v Speaker 4>on it.

1841
01:37:03.880 --> 01:37:05.479
<v Speaker 5>So I don't think that's going to be a big deal.

1842
01:37:06.159 --> 01:37:09.399
<v Speaker 5>John Fuller is with us as well, attorney at law.

1843
01:37:09.520 --> 01:37:11.880
<v Speaker 5>We talk about a lot of things, and obviously we

1844
01:37:11.960 --> 01:37:13.640
<v Speaker 5>talk a lot about auto accidents.

1845
01:37:14.199 --> 01:37:17.079
<v Speaker 4>And somebody wants to know about ride share.

1846
01:37:17.880 --> 01:37:20.880
<v Speaker 5>Well, they want to know if they're uninsured motorists, if

1847
01:37:20.920 --> 01:37:24.840
<v Speaker 5>they're a passenger, or their medical payments if they're a

1848
01:37:24.880 --> 01:37:26.199
<v Speaker 5>passenger carries.

1849
01:37:25.880 --> 01:37:28.600
<v Speaker 4>Over to ride share. So how does that work?

1850
01:37:28.680 --> 01:37:30.239
<v Speaker 14>John, Yeah, it does.

1851
01:37:32.359 --> 01:37:35.760
<v Speaker 15>But you need to also know that we have laws

1852
01:37:35.800 --> 01:37:39.640
<v Speaker 15>that basically now require the ride share drivers to carry

1853
01:37:39.680 --> 01:37:43.479
<v Speaker 15>a lot more insurance, So your insurance will likely be

1854
01:37:43.680 --> 01:37:46.800
<v Speaker 15>secondary to that which is already in place between either

1855
01:37:47.399 --> 01:37:50.680
<v Speaker 15>the ride share driver or the at fault party if

1856
01:37:50.680 --> 01:37:53.760
<v Speaker 15>they happen to be different people. But yes, in a nutshell,

1857
01:37:53.800 --> 01:37:54.800
<v Speaker 15>it does carry over there.

1858
01:37:54.840 --> 01:37:58.159
<v Speaker 4>Have you seen a lot more of these cases or not?

1859
01:37:59.079 --> 01:38:02.039
<v Speaker 15>You know, we get that, but I don't see any

1860
01:38:02.119 --> 01:38:05.439
<v Speaker 15>more or less than different kinds of accidents.

1861
01:38:05.479 --> 01:38:07.560
<v Speaker 5>And you think there'd be a lot more because I'm

1862
01:38:07.600 --> 01:38:12.760
<v Speaker 5>telling you, ridehare is damn popular. I can't believe how

1863
01:38:12.800 --> 01:38:16.479
<v Speaker 5>many people use it. I never go downtown anymore to

1864
01:38:16.520 --> 01:38:19.359
<v Speaker 5>an event. When we're going to a concert or we're

1865
01:38:19.399 --> 01:38:22.880
<v Speaker 5>going to an event, we never take our car anymore whenever.

1866
01:38:22.720 --> 01:38:23.840
<v Speaker 4>We're going downtown or something.

1867
01:38:23.960 --> 01:38:24.920
<v Speaker 14>Yeah, what are the same way?

1868
01:38:24.920 --> 01:38:27.920
<v Speaker 5>I won't do it And it's such a hassle free

1869
01:38:28.359 --> 01:38:31.239
<v Speaker 5>way to do it now. Even people that live on

1870
01:38:31.279 --> 01:38:35.119
<v Speaker 5>the outskirts or live far away, park it somewhere central

1871
01:38:35.520 --> 01:38:39.439
<v Speaker 5>and take your ride share man your nuts to go downtown.

1872
01:38:39.800 --> 01:38:42.199
<v Speaker 5>You know, it costs me more to go downtown and

1873
01:38:42.239 --> 01:38:44.119
<v Speaker 5>park than it would to take a ride share from

1874
01:38:44.159 --> 01:38:45.600
<v Speaker 5>almost anywhere.

1875
01:38:45.279 --> 01:38:47.479
<v Speaker 15>Or even like marking them in an RV park, I

1876
01:38:47.520 --> 01:38:49.840
<v Speaker 15>mean just the I know he's with, which you can

1877
01:38:49.840 --> 01:38:52.239
<v Speaker 15>call an uber. I actually do stuff like go to

1878
01:38:52.279 --> 01:38:55.279
<v Speaker 15>the grocery store, get food and go back to your RV.

1879
01:38:55.359 --> 01:38:58.319
<v Speaker 15>I mean, just simple things like that are so much

1880
01:38:58.399 --> 01:39:01.079
<v Speaker 15>easier with the ride share than so Stephanie.

1881
01:39:01.119 --> 01:39:05.039
<v Speaker 5>I went to Miami and when we figured the cost

1882
01:39:05.079 --> 01:39:06.840
<v Speaker 5>of a rental car, then the.

1883
01:39:06.760 --> 01:39:09.800
<v Speaker 4>Hotel charges you every day for the valet.

1884
01:39:10.479 --> 01:39:15.000
<v Speaker 5>And then parking where you go when you venture out

1885
01:39:15.000 --> 01:39:17.880
<v Speaker 5>of the hotel. It's as much as the We did

1886
01:39:18.079 --> 01:39:21.640
<v Speaker 5>not rent a car in Miami one time and saved

1887
01:39:22.000 --> 01:39:26.880
<v Speaker 5>money by doing ride share only everywhere we went we

1888
01:39:26.920 --> 01:39:32.399
<v Speaker 5>did ride share. Mark by the way he has to leave,

1889
01:39:32.560 --> 01:39:35.640
<v Speaker 5>did he disconnect already through time? I'm ready here, go ahead.

1890
01:39:36.079 --> 01:39:38.399
<v Speaker 5>So do you use ride share when you're with the

1891
01:39:38.479 --> 01:39:39.560
<v Speaker 5>r V or do you rent cars?

1892
01:39:39.640 --> 01:39:42.319
<v Speaker 4>Or you toe? What do you do now? I toe?

1893
01:39:42.359 --> 01:39:48.119
<v Speaker 7>But we used if we fly anywhere, man, unless if

1894
01:39:48.199 --> 01:39:50.600
<v Speaker 7>we've got to drive like a few hours away from

1895
01:39:50.600 --> 01:39:52.680
<v Speaker 7>the airport, we never rent cars anymore.

1896
01:39:53.479 --> 01:39:55.680
<v Speaker 4>I know it, I know it.

1897
01:39:55.680 --> 01:39:58.560
<v Speaker 7>It's getting to see you got really crazy price. You

1898
01:39:58.640 --> 01:40:02.000
<v Speaker 7>remember before co covid honest to God, you could go

1899
01:40:02.039 --> 01:40:05.439
<v Speaker 7>to Enterprise or Hurtz and rent a basic car for

1900
01:40:05.560 --> 01:40:09.359
<v Speaker 7>twenty twenty two bucks a day. Now it's like, I

1901
01:40:09.399 --> 01:40:11.600
<v Speaker 7>don't care if you buy insurance or not. I mean,

1902
01:40:11.680 --> 01:40:13.319
<v Speaker 7>the plane Jain stuff.

1903
01:40:13.239 --> 01:40:18.600
<v Speaker 4>Is like fifty to sixty bucks a day. I know it.

1904
01:40:19.000 --> 01:40:22.760
<v Speaker 4>I know it's crazy. I mean really, I just I

1905
01:40:22.880 --> 01:40:23.279
<v Speaker 4>just don't.

1906
01:40:23.319 --> 01:40:25.479
<v Speaker 7>I had a quick question for John though, since this

1907
01:40:25.600 --> 01:40:29.119
<v Speaker 7>came up. John, those scooters downtown that you can rent,

1908
01:40:29.199 --> 01:40:32.319
<v Speaker 7>like either Lyft or Uber or whoever does them, does

1909
01:40:32.840 --> 01:40:38.239
<v Speaker 7>your UIM coverage carry over if you're on a scooter?

1910
01:40:38.319 --> 01:40:40.439
<v Speaker 7>In other words, if I get hit on a scooter

1911
01:40:40.560 --> 01:40:43.079
<v Speaker 7>by a car and it's the car's fault and they

1912
01:40:43.119 --> 01:40:47.479
<v Speaker 7>have no insurance are very limited, does my UIM kick in.

1913
01:40:49.000 --> 01:40:49.079
<v Speaker 4>It?

1914
01:40:49.439 --> 01:40:51.680
<v Speaker 14>Yeah? It should. It should kick in just fine.

1915
01:40:51.760 --> 01:40:55.119
<v Speaker 15>And you know, we've been successful in handling a couple

1916
01:40:55.239 --> 01:40:57.479
<v Speaker 15>cases like that, but it requires you to not be

1917
01:40:57.560 --> 01:41:00.520
<v Speaker 15>at fault. Now, one thing I can tell you about

1918
01:41:00.920 --> 01:41:03.399
<v Speaker 15>something that a lot of people don't know, and that's

1919
01:41:03.439 --> 01:41:07.439
<v Speaker 15>that the rental agreement for those things is horrible. I mean,

1920
01:41:07.520 --> 01:41:10.680
<v Speaker 15>I've had people that were on a scooter and the

1921
01:41:11.279 --> 01:41:14.520
<v Speaker 15>steering mechanisms literally fell off when they hit a bump

1922
01:41:14.520 --> 01:41:18.159
<v Speaker 15>and the guy ended up in a hospital. And literally,

1923
01:41:18.199 --> 01:41:21.760
<v Speaker 15>they just claim liability so many different ways for stuff

1924
01:41:21.800 --> 01:41:24.760
<v Speaker 15>like that that that we ended up concluding that there

1925
01:41:24.840 --> 01:41:27.039
<v Speaker 15>was just no chance in the world of going after

1926
01:41:27.079 --> 01:41:30.520
<v Speaker 15>them for for that product liability. So be very careful.

1927
01:41:30.760 --> 01:41:34.520
<v Speaker 15>But yees, sure, um should cover you. Your medpay should most

1928
01:41:34.560 --> 01:41:35.920
<v Speaker 15>likely kick in and cover you.

1929
01:41:36.359 --> 01:41:39.880
<v Speaker 7>And then how about how about if I get someone

1930
01:41:40.279 --> 01:41:44.279
<v Speaker 7>on a scooter, it does my car insurance cover the damage?

1931
01:41:44.319 --> 01:41:46.560
<v Speaker 4>If I have the proper coverage.

1932
01:41:46.680 --> 01:41:49.600
<v Speaker 14>It might it's it it may mark.

1933
01:41:49.680 --> 01:41:51.920
<v Speaker 15>That's a that's a good question, A good question that

1934
01:41:52.000 --> 01:41:53.359
<v Speaker 15>you should take up with your agent.

1935
01:41:53.439 --> 01:41:55.239
<v Speaker 4>But we've got to take this break through. I swear

1936
01:41:55.720 --> 01:41:59.840
<v Speaker 4>mark you have to scoot. Yeah, I got someone knocking

1937
01:41:59.880 --> 01:42:00.439
<v Speaker 4>it the door.

1938
01:42:00.680 --> 01:42:01.000
<v Speaker 11>All right.

1939
01:42:01.039 --> 01:42:03.239
<v Speaker 4>We got more coming up on this shows.

1940
01:42:08.920 --> 01:42:12.199
<v Speaker 5>Go with a sure thing Denver's Best Roofer Excel Roofing

1941
01:42:12.279 --> 01:42:12.880
<v Speaker 5>dot com.

1942
01:42:12.920 --> 01:42:14.920
<v Speaker 4>You don't pay a cent until you're content.

1943
01:42:18.279 --> 01:42:21.479
<v Speaker 5>Time for an insurance check up, free no obligation comparison

1944
01:42:21.600 --> 01:42:25.159
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

1945
01:42:25.199 --> 01:42:27.920
<v Speaker 5>of insurance companies find out now three oh three seven

1946
01:42:28.039 --> 01:42:30.840
<v Speaker 5>seven to one. Help You'll think you're his only customer

1947
01:42:30.880 --> 01:42:33.119
<v Speaker 5>when you choose Frank durand the real estate man dot

1948
01:42:33.159 --> 01:42:36.439
<v Speaker 5>Com to list your home with Remax Alliance three oh

1949
01:42:36.520 --> 01:42:44.319
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martino,

1950
01:42:45.560 --> 01:42:49.960
<v Speaker 5>your troubleshooter three O three seven one three talk three

1951
01:42:49.960 --> 01:42:53.840
<v Speaker 5>O three seven one three eight two five five. I

1952
01:42:53.880 --> 01:42:57.520
<v Speaker 5>was gonna call Excel Roofing about the uh that HOA

1953
01:42:57.600 --> 01:43:01.640
<v Speaker 5>and I will, but first eighty oh on, Oh good, Henry,

1954
01:43:01.680 --> 01:43:03.199
<v Speaker 5>there you are, bro. I was trying to Colli in

1955
01:43:03.199 --> 01:43:07.560
<v Speaker 5>the other line, Henry, can this guy has a gazebo

1956
01:43:07.640 --> 01:43:10.800
<v Speaker 5>and a metal roof was put on it, and his

1957
01:43:11.039 --> 01:43:14.600
<v Speaker 5>ho is demanding he put an asphalt roof to match

1958
01:43:14.640 --> 01:43:20.960
<v Speaker 5>his house. And John, let me let me just ask

1959
01:43:20.960 --> 01:43:23.720
<v Speaker 5>you real quick, Henry, can you nail the ass? Can

1960
01:43:23.760 --> 01:43:26.319
<v Speaker 5>you put the asphalt over the metal roof?

1961
01:43:27.800 --> 01:43:27.880
<v Speaker 2>No?

1962
01:43:28.000 --> 01:43:31.560
<v Speaker 22>I really wouldn't recommend doing that. It's best to put

1963
01:43:31.680 --> 01:43:34.279
<v Speaker 22>this best stand a kind of OSB and then shingle

1964
01:43:34.319 --> 01:43:35.279
<v Speaker 22>over that decking.

1965
01:43:37.239 --> 01:43:39.319
<v Speaker 5>But do you have to remove the metal though, or

1966
01:43:39.359 --> 01:43:41.159
<v Speaker 5>can you put the OSB over the medal?

1967
01:43:41.800 --> 01:43:43.840
<v Speaker 22>Yes, that's the proper way to do it is to

1968
01:43:43.880 --> 01:43:45.880
<v Speaker 22>remove the metal and then shingle.

1969
01:43:46.960 --> 01:43:50.199
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

1970
01:43:50.279 --> 01:43:52.920
<v Speaker 5>dot com. You don't pay a cent until you're content.

1971
01:43:56.279 --> 01:43:59.479
<v Speaker 5>Time for an insurance check up free, no obligation. In comparison,

1972
01:43:59.600 --> 01:44:03.159
<v Speaker 5>call humpass insurance paying too much your coverage at dozens

1973
01:44:03.159 --> 01:44:05.920
<v Speaker 5>of insurance companies find out now three oh three seven

1974
01:44:06.000 --> 01:44:08.840
<v Speaker 5>seven to one help. You'll think you're his only customer

1975
01:44:08.880 --> 01:44:11.119
<v Speaker 5>when you choose Frank durand the real estate Man dot

1976
01:44:11.159 --> 01:44:14.479
<v Speaker 5>com to list your home with Remax Alliance three oh

1977
01:44:14.479 --> 01:44:16.439
<v Speaker 5>three nine two zero sixteen twenty two.

1978
01:44:17.520 --> 01:44:23.000
<v Speaker 4>Yeah, ripped up.

1979
01:44:24.479 --> 01:44:27.680
<v Speaker 14>News need advice so you don't.

1980
01:44:27.439 --> 01:44:32.159
<v Speaker 4>Have you come run in just as fast as we can.

1981
01:44:33.039 --> 01:44:35.359
<v Speaker 14>Show Shooter's gonna help come.

1982
01:44:35.960 --> 01:44:39.079
<v Speaker 3>Man six is the Troubleshooter Show.

1983
01:44:39.680 --> 01:44:45.079
<v Speaker 4>No Tom Martino, Hi, Tom Martino here, Welcome to the show.

1984
01:44:45.159 --> 01:44:48.920
<v Speaker 4>Three oh three seven one three talk three oh three

1985
01:44:49.119 --> 01:44:52.520
<v Speaker 4>seven one three eight two five five Here to help

1986
01:44:52.560 --> 01:44:55.479
<v Speaker 4>you solve your problems, answer questions, and take complaints.

1987
01:44:56.439 --> 01:44:58.840
<v Speaker 5>We have a lot happening here. I'm gonna go right

1988
01:44:58.880 --> 01:45:02.159
<v Speaker 5>to the phones. Okay, we left off of John and

1989
01:45:02.199 --> 01:45:03.840
<v Speaker 5>we didn't get a I didn't get a complete answer.

1990
01:45:03.880 --> 01:45:07.359
<v Speaker 5>But John right now has a gazebo that the hoy

1991
01:45:07.439 --> 01:45:09.479
<v Speaker 5>is giving him trouble on they want the roof to

1992
01:45:09.520 --> 01:45:10.319
<v Speaker 5>match his house.

1993
01:45:11.119 --> 01:45:13.399
<v Speaker 4>And right now.

1994
01:45:13.239 --> 01:45:15.600
<v Speaker 5>There's a metal roof on the gazebo and a regular

1995
01:45:16.840 --> 01:45:20.359
<v Speaker 5>asphalt roof on his house. John, if you go out

1996
01:45:20.399 --> 01:45:24.720
<v Speaker 5>to the gazebo, what's underneath the metal? Is the metal

1997
01:45:24.880 --> 01:45:28.520
<v Speaker 5>just over the frame? Or do you have plywood underneath

1998
01:45:29.039 --> 01:45:29.560
<v Speaker 5>the metal?

1999
01:45:34.720 --> 01:45:35.319
<v Speaker 4>Is John there?

2000
01:45:37.199 --> 01:45:38.000
<v Speaker 11>Yeah? John's here?

2001
01:45:38.479 --> 01:45:39.039
<v Speaker 4>Yes? John?

2002
01:45:39.319 --> 01:45:41.920
<v Speaker 5>So what's underneath the metal? If you go out to

2003
01:45:41.960 --> 01:45:43.239
<v Speaker 5>the gazebo and look up.

2004
01:45:44.159 --> 01:45:45.520
<v Speaker 11>It's just a tread structure.

2005
01:45:45.720 --> 01:45:48.239
<v Speaker 21>So and then you see the bottom of the thinsheet

2006
01:45:48.279 --> 01:45:48.720
<v Speaker 21>of metal.

2007
01:45:48.840 --> 01:45:52.359
<v Speaker 5>So okay, So the metal is on the frame. There's

2008
01:45:52.479 --> 01:45:54.600
<v Speaker 5>no plywood or anything on there?

2009
01:45:55.560 --> 01:45:58.239
<v Speaker 21>Right And if we could sb, is there nails or

2010
01:45:58.279 --> 01:46:00.319
<v Speaker 21>stables that are tending enough that they won't go through

2011
01:46:00.359 --> 01:46:05.720
<v Speaker 21>the osc and show from the bottom.

2012
01:46:06.800 --> 01:46:10.039
<v Speaker 5>Okay? So if you have a gazebo you're asking you

2013
01:46:10.079 --> 01:46:12.239
<v Speaker 5>do have to put up if you put asphalt on there,

2014
01:46:12.279 --> 01:46:14.079
<v Speaker 5>you have to put a plywood decking down.

2015
01:46:14.520 --> 01:46:17.840
<v Speaker 4>Okay, First, are you saying if you put and you're

2016
01:46:17.880 --> 01:46:20.800
<v Speaker 4>afraid that if you put the plywood decking down and

2017
01:46:20.840 --> 01:46:24.000
<v Speaker 4>then the asphalt roof, you're afraid the nails might show

2018
01:46:24.039 --> 01:46:25.319
<v Speaker 4>through they probably will.

2019
01:46:26.319 --> 01:46:30.439
<v Speaker 5>Yeah, Henry with excel roofing, Henry Bretts.

2020
01:46:31.199 --> 01:46:34.439
<v Speaker 4>Henry, will the nail part go ahead?

2021
01:46:35.479 --> 01:46:37.520
<v Speaker 11>Henry yep, yep.

2022
01:46:37.840 --> 01:46:40.520
<v Speaker 22>So I know exactly what he's talking about. This is

2023
01:46:40.560 --> 01:46:43.520
<v Speaker 22>a very common uh deal. All these gazebos. They put

2024
01:46:43.520 --> 01:46:46.439
<v Speaker 22>that metal directly on the rafters and so you can

2025
01:46:46.479 --> 01:46:49.039
<v Speaker 22>see the metal from the bottom and then obviously.

2026
01:46:48.600 --> 01:46:49.199
<v Speaker 13>From the top.

2027
01:46:49.840 --> 01:46:52.399
<v Speaker 22>I mean, this is a really unfortunate situation. He's going

2028
01:46:52.479 --> 01:46:55.319
<v Speaker 22>to have to rip all that metal off and put

2029
01:46:55.359 --> 01:46:58.399
<v Speaker 22>that OSB right on those rafters and then, like he said,

2030
01:46:58.479 --> 01:47:03.119
<v Speaker 22>nail the shingles down. It's proper to have the shingles

2031
01:47:03.159 --> 01:47:06.479
<v Speaker 22>penetrate the OSB. So it's I mean he could go

2032
01:47:06.560 --> 01:47:09.560
<v Speaker 22>through and clip the backside of the nails. That would

2033
01:47:09.560 --> 01:47:10.359
<v Speaker 22>be one option.

2034
01:47:11.760 --> 01:47:13.119
<v Speaker 14>He could also raise.

2035
01:47:12.920 --> 01:47:16.920
<v Speaker 22>That that decking basically up higher and so that there's

2036
01:47:17.000 --> 01:47:20.640
<v Speaker 22>more uh like room for the nails to go through

2037
01:47:20.680 --> 01:47:23.399
<v Speaker 22>and they wouldn't show. But I mean it's difficult.

2038
01:47:23.399 --> 01:47:24.000
<v Speaker 4>What does that mean?

2039
01:47:24.039 --> 01:47:24.119
<v Speaker 6>What?

2040
01:47:24.199 --> 01:47:25.520
<v Speaker 4>I don't know what he means by that.

2041
01:47:26.439 --> 01:47:31.560
<v Speaker 23>So it decking a little bit more like thick, like

2042
01:47:31.840 --> 01:47:34.680
<v Speaker 23>a base layer and then a little you know, furring

2043
01:47:34.680 --> 01:47:36.640
<v Speaker 23>strip or two by four and then another layer on

2044
01:47:36.720 --> 01:47:38.560
<v Speaker 23>top of the actual shot.

2045
01:47:41.119 --> 01:47:43.840
<v Speaker 22>You could for sure do something like that. I really

2046
01:47:43.840 --> 01:47:46.960
<v Speaker 22>wouldn't recommend doing that. It basically be like a cold

2047
01:47:47.039 --> 01:47:48.800
<v Speaker 22>roof system on just the gazebo.

2048
01:47:49.319 --> 01:47:51.680
<v Speaker 4>Why did they make why did they require that the

2049
01:47:51.800 --> 01:47:56.319
<v Speaker 4>nail Why do they require that the nails go through.

2050
01:47:57.560 --> 01:48:02.079
<v Speaker 22>The OSB just to make sure that they're holding correctly.

2051
01:48:02.399 --> 01:48:05.640
<v Speaker 22>It's a code for those nails to penetrate through and

2052
01:48:05.920 --> 01:48:08.199
<v Speaker 22>it is difficult, especially on a building like that.

2053
01:48:10.439 --> 01:48:14.039
<v Speaker 5>So the only thing you would yeah, he could just

2054
01:48:14.119 --> 01:48:17.840
<v Speaker 5>put a decorative or a or a finished piece of

2055
01:48:17.880 --> 01:48:22.479
<v Speaker 5>something as a ceiling underneath the rafters and then you

2056
01:48:23.199 --> 01:48:26.119
<v Speaker 5>and then you wouldn't see the you wouldn't see the

2057
01:48:26.479 --> 01:48:30.159
<v Speaker 5>bear decking underneath with the nails popping through.

2058
01:48:30.920 --> 01:48:32.760
<v Speaker 22>Hey, yeah, that would be a great solution.

2059
01:48:33.720 --> 01:48:36.479
<v Speaker 4>Yeah, So John, did it have a metal roof on

2060
01:48:36.520 --> 01:48:37.159
<v Speaker 4>it before?

2061
01:48:38.479 --> 01:48:41.039
<v Speaker 21>It had a No, but it didn't have a single groove.

2062
01:48:41.119 --> 01:48:43.720
<v Speaker 21>It had a vibran class roof.

2063
01:48:46.239 --> 01:48:48.479
<v Speaker 4>And how was that fiber negotiating with?

2064
01:48:48.680 --> 01:48:51.800
<v Speaker 22>What the what the HOA is there any room with them?

2065
01:48:52.079 --> 01:48:54.359
<v Speaker 4>Like? Why what would you suggest?

2066
01:48:54.600 --> 01:48:56.680
<v Speaker 22>I mean, it's just it's a lot of work for

2067
01:48:56.760 --> 01:49:00.359
<v Speaker 22>really nothing, and that that metal it's a really good roof,

2068
01:49:00.479 --> 01:49:02.359
<v Speaker 22>and to change it out for an asphalt is just

2069
01:49:02.439 --> 01:49:05.359
<v Speaker 22>a lot of work and it's no added benefits.

2070
01:49:06.960 --> 01:49:09.880
<v Speaker 5>Yeah, so that metal roof probably looks prettier too.

2071
01:49:11.279 --> 01:49:13.720
<v Speaker 4>Great, God, that's John.

2072
01:49:13.760 --> 01:49:16.319
<v Speaker 5>There's no way they would consider is there is the

2073
01:49:16.439 --> 01:49:17.600
<v Speaker 5>roof color the same?

2074
01:49:18.880 --> 01:49:20.680
<v Speaker 11>It's very close to the color of our house.

2075
01:49:21.199 --> 01:49:24.520
<v Speaker 5>God, I can't believe there being such I can't believe

2076
01:49:24.520 --> 01:49:27.079
<v Speaker 5>there being such nitpickers.

2077
01:49:26.239 --> 01:49:28.439
<v Speaker 14>Somebody to paint it to match the shingles.

2078
01:49:28.720 --> 01:49:30.960
<v Speaker 4>Yeah, but he's saying it's close already.

2079
01:49:30.560 --> 01:49:32.640
<v Speaker 14>To the color painted to where it looks like a

2080
01:49:32.640 --> 01:49:33.439
<v Speaker 14>shingled roof.

2081
01:49:33.560 --> 01:49:36.800
<v Speaker 5>Oh, like a faux finish.

2082
01:49:36.920 --> 01:49:39.520
<v Speaker 4>Hey, is it a standing seam roof? Do you know?

2083
01:49:42.119 --> 01:49:44.399
<v Speaker 21>I'm not sure what that term means, but it does well.

2084
01:49:44.680 --> 01:49:46.479
<v Speaker 4>Is the roof completely flat?

2085
01:49:47.640 --> 01:49:53.319
<v Speaker 21>Yeah? No, I'm sorry, it's it's but you kind of

2086
01:49:53.359 --> 01:49:54.800
<v Speaker 21>gabled on four sides.

2087
01:49:55.479 --> 01:49:58.760
<v Speaker 22>Right, But what I mean I think this is corrugated

2088
01:49:58.840 --> 01:49:59.600
<v Speaker 22>metal panels.

2089
01:49:59.600 --> 01:50:00.760
<v Speaker 12>They're about twelve feet.

2090
01:50:01.399 --> 01:50:05.000
<v Speaker 22>I highly doubted standing seem that because they shift these

2091
01:50:05.039 --> 01:50:06.840
<v Speaker 22>things with they're pre manufactured.

2092
01:50:08.840 --> 01:50:11.760
<v Speaker 5>Okay, well listen, I don't know what to tell you,

2093
01:50:11.840 --> 01:50:13.640
<v Speaker 5>but he's saying it would be a lot of work

2094
01:50:14.239 --> 01:50:18.520
<v Speaker 5>and the nails would show through and I don't know.

2095
01:50:19.359 --> 01:50:26.439
<v Speaker 21>Maybe so the only other question, so there's no adhesive

2096
01:50:26.520 --> 01:50:28.119
<v Speaker 21>like lick wood nails or something you can.

2097
01:50:28.199 --> 01:50:29.159
<v Speaker 4>Yeah, that's a good question.

2098
01:50:29.319 --> 01:50:31.840
<v Speaker 5>Is there any kind of a roof he could he

2099
01:50:31.880 --> 01:50:34.479
<v Speaker 5>could glue on, Henry.

2100
01:50:37.239 --> 01:50:37.960
<v Speaker 4>Anything, you know.

2101
01:50:38.039 --> 01:50:41.039
<v Speaker 22>I don't think that there's really a good option for that.

2102
01:50:41.359 --> 01:50:43.760
<v Speaker 22>As far as us being a contractor, we would need

2103
01:50:43.760 --> 01:50:47.000
<v Speaker 22>to do something to code. If he wanted to go

2104
01:50:47.039 --> 01:50:49.399
<v Speaker 22>and do something like that himself, that could be a

2105
01:50:49.439 --> 01:50:50.359
<v Speaker 22>possible option.

2106
01:50:52.560 --> 01:50:56.359
<v Speaker 4>And what kind of adhesive would stick that that? I mean,

2107
01:50:57.439 --> 01:50:58.720
<v Speaker 4>does it have to be the code?

2108
01:50:58.760 --> 01:51:01.840
<v Speaker 5>Even on a structure like that that is not inhabitable

2109
01:51:01.960 --> 01:51:02.560
<v Speaker 5>like a house.

2110
01:51:04.600 --> 01:51:06.760
<v Speaker 22>You know, it's it's kind of the luck of the

2111
01:51:06.840 --> 01:51:09.479
<v Speaker 22>draw the inspector. Yeah, absolutely, they could go out there

2112
01:51:09.479 --> 01:51:13.199
<v Speaker 22>and say this isn't a code and make you redo it.

2113
01:51:13.199 --> 01:51:15.920
<v Speaker 22>It's it's really up to just the homeowner how they

2114
01:51:15.920 --> 01:51:18.439
<v Speaker 22>want to go about it, if it's a DIY project

2115
01:51:18.520 --> 01:51:20.479
<v Speaker 22>or if they do want to have a professional come in.

2116
01:51:21.159 --> 01:51:22.840
<v Speaker 22>But we would have to do it properly.

2117
01:51:23.439 --> 01:51:23.680
<v Speaker 11>Yeah.

2118
01:51:23.720 --> 01:51:27.720
<v Speaker 4>I know, Wow, what a pain, John, That is terrible.

2119
01:51:28.399 --> 01:51:31.279
<v Speaker 5>What did what what did this gazebo cost you?

2120
01:51:31.399 --> 01:51:31.680
<v Speaker 9>John?

2121
01:51:32.680 --> 01:51:34.880
<v Speaker 11>It was about twenty undred dollars.

2122
01:51:35.239 --> 01:51:39.680
<v Speaker 4>Oh, twenty five hundred that big of a gazebo, that's all.

2123
01:51:40.880 --> 01:51:48.039
<v Speaker 4>Ok Oh, it was pre built. Okay, Okay, that's a

2124
01:51:48.119 --> 01:51:48.560
<v Speaker 4>tough one.

2125
01:51:50.359 --> 01:51:51.920
<v Speaker 18>Yeah, because it's it quite have been a cat on

2126
01:51:52.000 --> 01:51:53.079
<v Speaker 18>the lot to do.

2127
01:51:53.079 --> 01:51:55.960
<v Speaker 22>That roof on that gazebo. I mean he might be

2128
01:51:56.000 --> 01:51:58.199
<v Speaker 22>looking at twenty five hundred dollars just to redo that

2129
01:51:58.279 --> 01:52:00.920
<v Speaker 22>whole thing, to put an ass fault roof onto it,

2130
01:52:01.119 --> 01:52:04.560
<v Speaker 22>especially doing that that would underneath the rafters to finish

2131
01:52:04.640 --> 01:52:05.239
<v Speaker 22>it correctly.

2132
01:52:06.840 --> 01:52:07.880
<v Speaker 4>Yeah, I know it.

2133
01:52:08.000 --> 01:52:11.479
<v Speaker 5>What a pain in the ass, John, Well, we got

2134
01:52:11.800 --> 01:52:14.479
<v Speaker 5>you can call Excel off the air, call him and

2135
01:52:14.720 --> 01:52:17.880
<v Speaker 5>asking more questions if you have them. But I can't

2136
01:52:17.880 --> 01:52:20.359
<v Speaker 5>think of any solution. You may want to appeal to

2137
01:52:20.399 --> 01:52:23.159
<v Speaker 5>your homeowners unless it just looks ugly. I don't even

2138
01:52:23.159 --> 01:52:26.680
<v Speaker 5>know how it looks is it? Is it an attractive gazebo?

2139
01:52:27.760 --> 01:52:28.640
<v Speaker 11>Yeah, we think it is.

2140
01:52:28.640 --> 01:52:31.600
<v Speaker 21>Their neighbors even sign of thing that people the two

2141
01:52:31.600 --> 01:52:32.439
<v Speaker 21>neighbors can say it.

2142
01:52:32.479 --> 01:52:33.319
<v Speaker 11>They said they have no.

2143
01:52:33.439 --> 01:52:34.199
<v Speaker 4>They don't even care.

2144
01:52:34.399 --> 01:52:37.760
<v Speaker 5>Man, what a pain in the ass your homeowners association is.

2145
01:52:38.800 --> 01:52:40.039
<v Speaker 4>Yeah, I'm sorry, I'm sorry.

2146
01:52:40.159 --> 01:52:43.800
<v Speaker 5>John Excel roofing dot Com three O three seven sixty

2147
01:52:43.880 --> 01:52:48.039
<v Speaker 5>one sixty four one hundred, Ken, what is your question

2148
01:52:48.119 --> 01:52:49.239
<v Speaker 5>on on sentry Link?

2149
01:52:50.880 --> 01:52:52.720
<v Speaker 4>How about John Heym.

2150
01:52:52.319 --> 01:52:53.239
<v Speaker 18>A long time listener.

2151
01:52:53.760 --> 01:52:54.159
<v Speaker 4>Thank you.

2152
01:52:56.159 --> 01:53:01.319
<v Speaker 18>We moved back to Denver from Salida in April of

2153
01:53:01.359 --> 01:53:05.199
<v Speaker 18>two thousand and one, and you signed up for a

2154
01:53:05.520 --> 01:53:10.800
<v Speaker 18>century Link five or one gig internet service and it

2155
01:53:10.840 --> 01:53:13.199
<v Speaker 18>was price for life at sixty Is this.

2156
01:53:13.119 --> 01:53:17.680
<v Speaker 4>Two thousand and one you moved yes, okay.

2157
01:53:20.279 --> 01:53:23.520
<v Speaker 18>And the price for life is no longer the price

2158
01:53:23.560 --> 01:53:23.880
<v Speaker 18>for life.

2159
01:53:23.920 --> 01:53:25.399
<v Speaker 11>They're raising the prices.

2160
01:53:25.800 --> 01:53:26.279
<v Speaker 4>You know what.

2161
01:53:26.359 --> 01:53:28.640
<v Speaker 5>We're getting a lot of complaints about this. Hold on,

2162
01:53:28.720 --> 01:53:30.560
<v Speaker 5>We'll come right back to you, and more coming up.

2163
01:53:35.520 --> 01:53:38.800
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

2164
01:53:38.880 --> 01:53:39.479
<v Speaker 5>dot com.

2165
01:53:39.520 --> 01:53:41.560
<v Speaker 4>You don't pay a cent until you're content.

2166
01:53:44.920 --> 01:53:48.479
<v Speaker 5>Time for an insurance checkup, free, no obligation comparison call

2167
01:53:48.560 --> 01:53:51.880
<v Speaker 5>Compass Insurance paying too much your coverage at dozens of

2168
01:53:51.920 --> 01:53:54.840
<v Speaker 5>insurance companies find out now three O three seven seven

2169
01:53:54.880 --> 01:53:57.640
<v Speaker 5>to one help. You'll think you're his only customer when

2170
01:53:57.680 --> 01:54:00.119
<v Speaker 5>you choose Frank durand the real estate Man dot com

2171
01:54:00.199 --> 01:54:03.319
<v Speaker 5>to list your home with Remax Alliance three oh three

2172
01:54:03.399 --> 01:54:10.479
<v Speaker 5>nine two zero sixteen twenty two. Hi Tom Martino here

2173
01:54:10.880 --> 01:54:13.960
<v Speaker 5>three three seven one three talk seven one three eight

2174
01:54:14.000 --> 01:54:18.720
<v Speaker 5>two five five Ken listen, I did some research off

2175
01:54:18.720 --> 01:54:25.319
<v Speaker 5>the air here and the price, the Price for Life plan,

2176
01:54:26.560 --> 01:54:30.840
<v Speaker 5>despite the name, has been been faced with price hikes

2177
01:54:30.920 --> 01:54:34.560
<v Speaker 5>all over the country, and in fact, Sentry Link has

2178
01:54:34.600 --> 01:54:36.840
<v Speaker 5>been the source of a lot of complaints.

2179
01:54:37.760 --> 01:54:41.880
<v Speaker 4>And you want to know the bottom line. They're saying tough,

2180
01:54:41.960 --> 01:54:47.840
<v Speaker 4>They're saying, listen, they're saying tough, we can't do it anymore.

2181
01:54:49.399 --> 01:54:54.560
<v Speaker 5>Oh my god, that I mean there now, there would

2182
01:54:54.560 --> 01:54:57.840
<v Speaker 5>have to be in a case like this, a class

2183
01:54:57.880 --> 01:55:00.199
<v Speaker 5>action suit or something. They're not going to move for

2184
01:55:00.279 --> 01:55:03.199
<v Speaker 5>one person. And I don't think one person can afford

2185
01:55:03.239 --> 01:55:07.640
<v Speaker 5>to bring a lawsuit. No, But they're basically thumbing their

2186
01:55:07.680 --> 01:55:13.159
<v Speaker 5>nose saying, yep, it was a price for life. And

2187
01:55:13.159 --> 01:55:17.960
<v Speaker 5>and some people say there might be small print in

2188
01:55:18.039 --> 01:55:21.399
<v Speaker 5>the contract. I've never actually looked at one. Did you

2189
01:55:21.600 --> 01:55:23.119
<v Speaker 5>do you have your contract?

2190
01:55:24.439 --> 01:55:28.039
<v Speaker 18>I don't ever remember truly getting a contract.

2191
01:55:28.720 --> 01:55:30.760
<v Speaker 5>And that's the other rubb or are we ever going

2192
01:55:30.800 --> 01:55:32.479
<v Speaker 5>to be able to I don't know what to do

2193
01:55:32.560 --> 01:55:33.000
<v Speaker 5>about it.

2194
01:55:33.000 --> 01:55:35.520
<v Speaker 4>It's all over the country this is happening.

2195
01:55:36.600 --> 01:55:39.920
<v Speaker 18>And the same is going with their other new the

2196
01:55:39.960 --> 01:55:44.119
<v Speaker 18>offshoot company that's Quantum fiber.

2197
01:55:44.680 --> 01:55:47.279
<v Speaker 4>I think no, they well, which is well, hold on,

2198
01:55:47.880 --> 01:55:51.399
<v Speaker 4>a new company can do it right.

2199
01:55:51.439 --> 01:55:55.359
<v Speaker 18>No, the new one that's sitting out there is a

2200
01:55:55.399 --> 01:56:00.119
<v Speaker 18>subsidiary of CenturyLink. They're offering the same thing, but they've

2201
01:56:00.119 --> 01:56:02.479
<v Speaker 18>got an asterisk on their ad that says as long

2202
01:56:02.520 --> 01:56:07.760
<v Speaker 18>as the plan is still offered, which is what century

2203
01:56:07.800 --> 01:56:08.560
<v Speaker 18>Link did too.

2204
01:56:08.680 --> 01:56:09.199
<v Speaker 11>And I don't.

2205
01:56:09.520 --> 01:56:11.399
<v Speaker 18>I don't think you can buy the price for life

2206
01:56:11.479 --> 01:56:12.680
<v Speaker 18>from century Link anymore.

2207
01:56:14.079 --> 01:56:18.399
<v Speaker 4>Okay, but you're saying they should still honor the old one. Yes,

2208
01:56:19.000 --> 01:56:21.199
<v Speaker 4>when you bring that up to them, what do they say?

2209
01:56:22.560 --> 01:56:24.000
<v Speaker 18>They say, tough luck?

2210
01:56:25.119 --> 01:56:26.760
<v Speaker 4>No, what did they really say?

2211
01:56:27.399 --> 01:56:27.479
<v Speaker 11>No?

2212
01:56:27.960 --> 01:56:32.119
<v Speaker 18>Really, the first year they when they bumped it up

2213
01:56:32.159 --> 01:56:34.880
<v Speaker 18>by ten bucks, I mean the first year.

2214
01:56:35.279 --> 01:56:36.199
<v Speaker 4>How long? Wait?

2215
01:56:36.239 --> 01:56:38.880
<v Speaker 5>Wait wait, you said you had this since two thousand

2216
01:56:38.920 --> 01:56:41.560
<v Speaker 5>and one. That's twenty forty, that's twenty.

2217
01:56:41.279 --> 01:56:44.239
<v Speaker 18>Three, No, twenty twenty one.

2218
01:56:44.840 --> 01:56:47.319
<v Speaker 4>That's why I asked, I know, Okay, I asked that.

2219
01:56:47.479 --> 01:56:51.479
<v Speaker 5>Okay, So since twenty twenty one, here's what I want

2220
01:56:51.520 --> 01:56:51.760
<v Speaker 5>to know.

2221
01:56:52.159 --> 01:56:53.920
<v Speaker 4>How many times have they increased it.

2222
01:56:55.000 --> 01:56:57.680
<v Speaker 18>I've had it for two years and it wasn't increased.

2223
01:56:57.800 --> 01:57:00.359
<v Speaker 18>The third year they increased it, ten Bucks called it

2224
01:57:00.479 --> 01:57:04.800
<v Speaker 18>complained and they rolled it back to ten Bucks, and

2225
01:57:04.840 --> 01:57:06.880
<v Speaker 18>then this last April.

2226
01:57:07.319 --> 01:57:08.279
<v Speaker 11>They raised it again.

2227
01:57:08.439 --> 01:57:11.840
<v Speaker 18>I called it, complained and they said, I'm sorry, we're

2228
01:57:11.840 --> 01:57:15.439
<v Speaker 18>not doing that anymore, and we'll give you a long

2229
01:57:15.560 --> 01:57:19.159
<v Speaker 18>term customer benefit for the moment for a year of

2230
01:57:19.159 --> 01:57:21.960
<v Speaker 18>fifteen dollars a month. So they rolled it back, but

2231
01:57:22.119 --> 01:57:26.960
<v Speaker 18>I don't think it's going to keep lasting. And my

2232
01:57:27.199 --> 01:57:33.159
<v Speaker 18>take on them giving me this customer the fifteen dollars discount,

2233
01:57:33.479 --> 01:57:34.680
<v Speaker 18>I believe they're going to call that.

2234
01:57:34.760 --> 01:57:35.600
<v Speaker 11>A new contract.

2235
01:57:37.399 --> 01:57:40.399
<v Speaker 4>Yep. So what do you do?

2236
01:57:40.680 --> 01:57:42.720
<v Speaker 18>I mean, not much.

2237
01:57:42.840 --> 01:57:44.520
<v Speaker 4>We got it. We got to get the word out,

2238
01:57:44.840 --> 01:57:46.199
<v Speaker 4>and we got to get the word out. I mean,

2239
01:57:46.239 --> 01:57:49.079
<v Speaker 4>I'm hoping. Seriously, I'm wondering.

2240
01:57:50.279 --> 01:57:53.239
<v Speaker 5>I'm wondering how many this has happened to and if

2241
01:57:53.239 --> 01:57:55.000
<v Speaker 5>there is a class action firm.

2242
01:57:54.760 --> 01:57:56.000
<v Speaker 4>That would be willing to do it.

2243
01:57:56.159 --> 01:58:01.800
<v Speaker 5>The class action firms exist for one reason, well, excuse me,

2244
01:58:02.159 --> 01:58:02.960
<v Speaker 5>legal fees.

2245
01:58:03.800 --> 01:58:04.920
<v Speaker 4>And it's not a bad thing.

2246
01:58:04.960 --> 01:58:07.640
<v Speaker 5>I mean, see, the purpose of a class action lawsuit

2247
01:58:07.720 --> 01:58:12.000
<v Speaker 5>is usually to punish the wrongdoer, stop the infraction, and

2248
01:58:12.079 --> 01:58:14.159
<v Speaker 5>if they get legal fees, I don't care about that.

2249
01:58:14.199 --> 01:58:18.760
<v Speaker 5>I mean, that's why that's what induces firms to take.

2250
01:58:18.560 --> 01:58:21.439
<v Speaker 4>On class action. Do you know.

2251
01:58:21.640 --> 01:58:24.119
<v Speaker 5>I mean, I'm not saying you do. John Fuller is

2252
01:58:24.159 --> 01:58:27.640
<v Speaker 5>an attorney. John with class action lawsuits. These firms do it.

2253
01:58:27.600 --> 01:58:30.399
<v Speaker 4>For the legal fees, right, I mean obviously, yeah, of course,

2254
01:58:30.560 --> 01:58:34.039
<v Speaker 4>but they still accomplish a good thing. I think sometimes

2255
01:58:34.119 --> 01:58:34.560
<v Speaker 4>they do.

2256
01:58:34.880 --> 01:58:39.520
<v Speaker 15>I mean, they do affect actual real change, you know,

2257
01:58:39.680 --> 01:58:42.840
<v Speaker 15>and and and believe me, these companies are even though

2258
01:58:42.880 --> 01:58:46.159
<v Speaker 15>the class members may you know, their jokes will get

2259
01:58:46.159 --> 01:58:48.439
<v Speaker 15>a coupon or a quarter or something, and the lawyers

2260
01:58:48.439 --> 01:58:51.840
<v Speaker 15>will get, you know, a gazillion bucks. But make no mistake,

2261
01:58:51.920 --> 01:58:55.359
<v Speaker 15>these companies are paying out huge amounts of money and

2262
01:58:55.640 --> 01:58:59.680
<v Speaker 15>it definitely hits the bottom line. So the main reason

2263
01:58:59.720 --> 01:59:02.399
<v Speaker 15>to bring a big, you know, class action type suit

2264
01:59:02.479 --> 01:59:05.399
<v Speaker 15>is to affect change in the corporate behavior.

2265
01:59:06.880 --> 01:59:10.920
<v Speaker 5>Now, it says that there have been other class action

2266
01:59:11.079 --> 01:59:17.479
<v Speaker 5>lawsuits brought in other states, uh for fraud and over billing,

2267
01:59:18.680 --> 01:59:23.079
<v Speaker 5>not in this specific case, but they said in this

2268
01:59:23.199 --> 01:59:30.359
<v Speaker 5>research like in Minnesota, there was the Sentrylink settled a

2269
01:59:30.439 --> 01:59:34.039
<v Speaker 5>lawsuit with the attorney general. You know, I imagine of

2270
01:59:34.199 --> 01:59:39.439
<v Speaker 5>enough people complained to the attorney general in Colorado. We

2271
01:59:39.479 --> 01:59:41.640
<v Speaker 5>should try to I'm serious, we should try to get

2272
01:59:41.640 --> 01:59:46.199
<v Speaker 5>a spokesperson on from the Attorney General's office. So while

2273
01:59:46.239 --> 01:59:49.079
<v Speaker 5>there's not much we can do for you Ken specifically

2274
01:59:49.119 --> 01:59:53.720
<v Speaker 5>and individually, I believe that you bring up a really

2275
01:59:53.720 --> 01:59:56.640
<v Speaker 5>good point, Kaschina. Let's try to get Let's try to

2276
01:59:56.640 --> 01:59:59.680
<v Speaker 5>reach out here or have somebody reach out, give one

2277
01:59:59.800 --> 02:00:01.760
<v Speaker 5>to one of the deputies. Let's reach out to the

2278
02:00:01.760 --> 02:00:05.960
<v Speaker 5>Attorney general and just talk in general consumer terms on

2279
02:00:07.000 --> 02:00:08.279
<v Speaker 5>whether they would address this.

2280
02:00:08.600 --> 02:00:12.079
<v Speaker 4>Now Lara or is it Laura? Is it Lara or

2281
02:00:12.159 --> 02:00:14.720
<v Speaker 4>Laura about frozen bank accounts?

2282
02:00:16.000 --> 02:00:19.399
<v Speaker 20>Yeah, no, it's Laura. I yes, I caught last week

2283
02:00:21.680 --> 02:00:23.800
<v Speaker 20>our bank accounts were frozen.

2284
02:00:24.439 --> 02:00:26.880
<v Speaker 4>Yeah, okay, you you were married three.

2285
02:00:26.760 --> 02:00:30.159
<v Speaker 5>Years ago and your new husband declared bankruptcy that was

2286
02:00:30.279 --> 02:00:35.760
<v Speaker 5>discharged nine years ago. Then then your joint account was

2287
02:00:35.840 --> 02:00:38.680
<v Speaker 5>recently frozen and you have no idea why.

2288
02:00:40.079 --> 02:00:44.880
<v Speaker 20>Yes, well we found out why. So I just wanted

2289
02:00:44.880 --> 02:00:48.159
<v Speaker 20>to warn people because apparently when you file for bankercy,

2290
02:00:48.319 --> 02:00:51.479
<v Speaker 20>all of your accounts should be quosed at the bank

2291
02:00:51.560 --> 02:00:53.600
<v Speaker 20>that you currently bank.

2292
02:00:53.439 --> 02:00:58.920
<v Speaker 4>Wish and then you reopen them and you reopen new accounts.

2293
02:00:59.439 --> 02:01:01.159
<v Speaker 20>No, we're not allowed to bank there.

2294
02:01:02.800 --> 02:01:04.439
<v Speaker 4>What bank was it?

2295
02:01:04.720 --> 02:01:05.119
<v Speaker 20>Belco?

2296
02:01:05.920 --> 02:01:08.239
<v Speaker 4>Why did it take him nine years to find out?

2297
02:01:09.920 --> 02:01:10.479
<v Speaker 24>They did a.

2298
02:01:10.439 --> 02:01:14.279
<v Speaker 20>Recent audit and we're not the only ones. There's other

2299
02:01:14.399 --> 02:01:19.479
<v Speaker 20>people who have filed being received in previous years, and

2300
02:01:19.600 --> 02:01:22.640
<v Speaker 20>now they are closing all their accounts. They said, we

2301
02:01:22.640 --> 02:01:25.840
<v Speaker 20>were we would be allowed to continue banking there if

2302
02:01:26.000 --> 02:01:30.399
<v Speaker 20>we voluntarily paid the debt that he owed them from

2303
02:01:30.439 --> 02:01:31.079
<v Speaker 20>eight years ago.

2304
02:01:31.439 --> 02:01:34.600
<v Speaker 4>Oh so he owed them money themselves.

2305
02:01:34.600 --> 02:01:37.520
<v Speaker 20>How much he m five thousand dollars?

2306
02:01:37.960 --> 02:01:40.960
<v Speaker 5>Oh so they're they're saying, screw you. You're not going

2307
02:01:41.000 --> 02:01:43.399
<v Speaker 5>to owe us money and keep an account. That would

2308
02:01:43.439 --> 02:01:45.000
<v Speaker 5>be the same as like if you had a credit

2309
02:01:45.079 --> 02:01:45.760
<v Speaker 5>card account.

2310
02:01:46.199 --> 02:01:49.520
<v Speaker 15>And it's absolutely illegal for them to try to force

2311
02:01:49.600 --> 02:01:51.840
<v Speaker 15>him to pay, but they're not forcing him to know.

2312
02:01:51.960 --> 02:01:56.560
<v Speaker 4>They didn't keep they didn't keep your money, right, No, no, but.

2313
02:01:56.560 --> 02:01:58.960
<v Speaker 20>We had a substantial amount of money in a money

2314
02:01:58.960 --> 02:02:05.279
<v Speaker 20>market account and now and basically I have to find

2315
02:02:05.279 --> 02:02:09.680
<v Speaker 20>another account for it because it was a high yield

2316
02:02:09.720 --> 02:02:11.079
<v Speaker 20>savings account.

2317
02:02:10.760 --> 02:02:13.880
<v Speaker 4>And so at least they're not but they're not keeping

2318
02:02:13.880 --> 02:02:14.439
<v Speaker 4>your money.

2319
02:02:15.560 --> 02:02:17.680
<v Speaker 20>No, no, they made us close the account.

2320
02:02:20.079 --> 02:02:24.520
<v Speaker 5>Okay, So basically though, that's not so much of a shocker,

2321
02:02:25.119 --> 02:02:29.159
<v Speaker 5>meaning this even though you haven't done anything, and of

2322
02:02:29.199 --> 02:02:32.560
<v Speaker 5>course he hasn't done anything recently. What they're saying is,

2323
02:02:32.600 --> 02:02:35.199
<v Speaker 5>wait a minute, Why is this guy doing business with

2324
02:02:35.359 --> 02:02:38.680
<v Speaker 5>us when he went bankrupt? We don't want him. You know,

2325
02:02:38.760 --> 02:02:40.520
<v Speaker 5>American Express does stuff like that.

2326
02:02:40.800 --> 02:02:41.279
<v Speaker 4>A lot of.

2327
02:02:41.239 --> 02:02:45.319
<v Speaker 5>Companies do that. Now, some companies don't. Some companies don't care.

2328
02:02:45.800 --> 02:02:48.359
<v Speaker 5>If you owe them money, go bankrupt and open a

2329
02:02:48.399 --> 02:02:48.920
<v Speaker 5>new account.

2330
02:02:48.960 --> 02:02:51.399
<v Speaker 4>They're figuring, well, at least we got some business from you.

2331
02:02:51.640 --> 02:02:56.760
<v Speaker 5>But that's a really interesting development, Larer, thank you for

2332
02:02:56.840 --> 02:02:57.720
<v Speaker 5>letting us know that.

2333
02:03:00.039 --> 02:03:05.079
<v Speaker 20>Go ahead, Lara, ever notified, We were never notified. We've

2334
02:03:05.119 --> 02:03:08.000
<v Speaker 20>never received a letter that our accounts were frozen. We

2335
02:03:08.159 --> 02:03:10.800
<v Speaker 20>found out because someone tried to cast a check that wall.

2336
02:03:10.880 --> 02:03:11.920
<v Speaker 4>No, that's what sucks.

2337
02:03:12.199 --> 02:03:15.159
<v Speaker 5>That sucks because they should have at least said to you,

2338
02:03:15.680 --> 02:03:18.039
<v Speaker 5>by the way, you have like ten days or three

2339
02:03:18.079 --> 02:03:20.960
<v Speaker 5>days or three whatever to close your account.

2340
02:03:22.039 --> 02:03:24.119
<v Speaker 20>Yeah, we're not the only one. This is happening to

2341
02:03:24.159 --> 02:03:26.319
<v Speaker 20>other people. So I just wanted to put that out there.

2342
02:03:26.840 --> 02:03:28.000
<v Speaker 4>Good Lara, thank you.

2343
02:03:28.760 --> 02:03:32.439
<v Speaker 24>Yeah, yeah, what else I was.

2344
02:03:32.399 --> 02:03:34.359
<v Speaker 20>Just going to say, And if you and if you

2345
02:03:34.399 --> 02:03:37.520
<v Speaker 20>file for bankruptcy, make sure you close your accounts because

2346
02:03:37.720 --> 02:03:39.479
<v Speaker 20>eight years later we'll come back to bite you.

2347
02:03:40.239 --> 02:03:46.359
<v Speaker 5>Well, you close your account if you owe that institution money.

2348
02:03:46.600 --> 02:03:49.880
<v Speaker 5>Otherwise they don't really care. They really don't. It's the

2349
02:03:49.920 --> 02:03:52.359
<v Speaker 5>only reason they did that to you, guys, is because

2350
02:03:52.640 --> 02:03:55.399
<v Speaker 5>you owe them money. So if you owe a financial

2351
02:03:55.439 --> 02:03:59.039
<v Speaker 5>institution any money, you should close the account. You're absolutely

2352
02:03:59.159 --> 02:04:02.479
<v Speaker 5>right three seven one three talks seven one three eight.

2353
02:04:02.319 --> 02:04:04.720
<v Speaker 4>Two five five. Deputy Bow has some follow ups.

2354
02:04:05.000 --> 02:04:08.239
<v Speaker 5>Plus we have John Fuller, Attorney at Law, Personal Injury

2355
02:04:08.359 --> 02:04:10.920
<v Speaker 5>dot Personal injuryco dot com.

2356
02:04:10.960 --> 02:04:11.840
<v Speaker 4>All of that coming up.

2357
02:04:18.039 --> 02:04:21.279
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

2358
02:04:21.399 --> 02:04:21.960
<v Speaker 5>dot com.

2359
02:04:22.000 --> 02:04:24.039
<v Speaker 4>You don't pay a cent until you're content.

2360
02:04:25.600 --> 02:04:30.600
<v Speaker 5>Wait time for an insurance checkup free no obligation comparison

2361
02:04:30.720 --> 02:04:34.279
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

2362
02:04:34.279 --> 02:04:37.039
<v Speaker 5>of insurance companies find out now three oh three seven

2363
02:04:37.119 --> 02:04:39.960
<v Speaker 5>seven to one help. You'll think you're his only customer

2364
02:04:39.960 --> 02:04:42.239
<v Speaker 5>when you choose Frank durand the real estate Man dot

2365
02:04:42.279 --> 02:04:45.560
<v Speaker 5>com to list your home with Remax Alliance three oh

2366
02:04:45.600 --> 02:04:54.800
<v Speaker 5>three nine two zero sixteen twenty two. Hi Tom Martine

2367
02:04:54.840 --> 02:04:57.920
<v Speaker 5>here three o three seven one three talks seven one

2368
02:04:57.920 --> 02:05:01.279
<v Speaker 5>three eight two five five. Steve's got a suggestion for

2369
02:05:01.359 --> 02:05:05.640
<v Speaker 5>the guy with the gazebo. He has a metal roof

2370
02:05:05.680 --> 02:05:07.880
<v Speaker 5>on the gazebo. The Hway's given him a hard time,

2371
02:05:07.920 --> 02:05:10.439
<v Speaker 5>saying it has to match the house, which means you'd

2372
02:05:10.479 --> 02:05:13.239
<v Speaker 5>have to put down plywood decking and then an asphalt roof,

2373
02:05:13.760 --> 02:05:16.880
<v Speaker 5>and it would look like hell underneath because the nails

2374
02:05:16.920 --> 02:05:19.880
<v Speaker 5>would come through the plywood. And the gazebo has an

2375
02:05:19.880 --> 02:05:23.399
<v Speaker 5>open ceiling in the you know, like at the cathedral ceiling.

2376
02:05:23.600 --> 02:05:27.720
<v Speaker 12>What do you think, Steve, Well, my thought is that

2377
02:05:27.760 --> 02:05:30.199
<v Speaker 12>he could leave that metal roof where it is and

2378
02:05:30.319 --> 02:05:34.800
<v Speaker 12>put furring strips on the trusses and then put the

2379
02:05:34.840 --> 02:05:37.760
<v Speaker 12>wood on top of that, and then the metal roof

2380
02:05:37.760 --> 02:05:40.600
<v Speaker 12>would cover any nails that would come through there. And

2381
02:05:40.640 --> 02:05:43.159
<v Speaker 12>then all you'd need is maybe one of those strips

2382
02:05:43.199 --> 02:05:46.399
<v Speaker 12>along the outside that might cover the difference between the

2383
02:05:46.399 --> 02:05:49.359
<v Speaker 12>two roofs from the I understand.

2384
02:05:49.640 --> 02:05:51.960
<v Speaker 4>So you're saying there's a way to cover those nails.

2385
02:05:53.399 --> 02:05:55.520
<v Speaker 12>Well, no, I'm just saying, leave his original roof on,

2386
02:05:56.039 --> 02:05:57.880
<v Speaker 12>put the furring strips.

2387
02:05:57.479 --> 02:05:59.439
<v Speaker 4>On the metal roof.

2388
02:05:59.520 --> 02:06:04.159
<v Speaker 12>Got it, Oh, so that metal roof will cover it

2389
02:06:04.159 --> 02:06:04.560
<v Speaker 12>all up.

2390
02:06:04.640 --> 02:06:06.279
<v Speaker 4>So I see.

2391
02:06:06.279 --> 02:06:08.880
<v Speaker 5>You're saying, just basically, put some furring strips on the

2392
02:06:08.920 --> 02:06:11.479
<v Speaker 5>metal roof and put a new roof above, and you

2393
02:06:11.520 --> 02:06:13.600
<v Speaker 5>have a little airspace in between.

2394
02:06:14.199 --> 02:06:16.279
<v Speaker 12>Right, and then nobody would see the nails, and then

2395
02:06:16.319 --> 02:06:19.199
<v Speaker 12>he just has to do those new things they require

2396
02:06:19.199 --> 02:06:23.199
<v Speaker 12>on houses. That grip strip along the edges would probably

2397
02:06:23.199 --> 02:06:24.560
<v Speaker 12>cover up the gap of that.

2398
02:06:24.600 --> 02:06:27.000
<v Speaker 5>And never thought of that. You know, that might be

2399
02:06:27.079 --> 02:06:29.239
<v Speaker 5>it time again. It's going to cost him though, I mean,

2400
02:06:29.560 --> 02:06:32.399
<v Speaker 5>it seems a shame to do that just because of

2401
02:06:32.439 --> 02:06:33.760
<v Speaker 5>this this rule.

2402
02:06:33.880 --> 02:06:37.399
<v Speaker 12>But thank you Steve trying to get it approved. But

2403
02:06:37.840 --> 02:06:40.319
<v Speaker 12>ye'll be a fairly decent last.

2404
02:06:40.159 --> 02:06:41.960
<v Speaker 4>Yeah, well, thank you for thinking.

2405
02:06:42.000 --> 02:06:46.039
<v Speaker 5>I love when our audience calls in with suggestions our listeners. Hey,

2406
02:06:46.760 --> 02:06:48.920
<v Speaker 5>Deputy Bow As a follow up, now, here's what happened.

2407
02:06:48.960 --> 02:06:52.920
<v Speaker 5>Brenda called us Monday and said, I worked for Grandma's

2408
02:06:52.960 --> 02:06:57.640
<v Speaker 5>Goodies and that's a kind of a nice restaurant. We could,

2409
02:06:57.840 --> 02:07:02.079
<v Speaker 5>I mean, a down home restaurant. Found out anyway, she said,

2410
02:07:03.159 --> 02:07:06.000
<v Speaker 5>I quit because the owner is keeping all the tips

2411
02:07:06.399 --> 02:07:11.399
<v Speaker 5>from his servers. And then we learned she only worked

2412
02:07:11.399 --> 02:07:13.800
<v Speaker 5>there six hours. So we're not sure what happened.

2413
02:07:13.800 --> 02:07:16.680
<v Speaker 4>But Deputy Bo, you followed it up. What did you

2414
02:07:16.720 --> 02:07:17.199
<v Speaker 4>find out?

2415
02:07:18.199 --> 02:07:22.319
<v Speaker 24>Yes, Tom this Brenda, it's good that we have time

2416
02:07:22.359 --> 02:07:24.239
<v Speaker 24>to always dig in to get there. Seems to be

2417
02:07:24.239 --> 02:07:25.560
<v Speaker 24>always another side.

2418
02:07:25.279 --> 02:07:26.159
<v Speaker 6>To the store.

2419
02:07:26.239 --> 02:07:26.680
<v Speaker 4>Oh you.

2420
02:07:28.279 --> 02:07:34.319
<v Speaker 24>Absolute yeah. Called Vicky, the owner of Grandma's Goodies called

2421
02:07:34.359 --> 02:07:37.880
<v Speaker 24>They're a good mom and pop restaurant. They got four

2422
02:07:37.920 --> 02:07:41.800
<v Speaker 24>point seven rating. And I think that guy Ferrari on

2423
02:07:42.079 --> 02:07:47.560
<v Speaker 24>Diners Drives Diners Drive did a story about him. But anyway,

2424
02:07:47.880 --> 02:07:50.319
<v Speaker 24>the bottom line is she just wasn't working out. She

2425
02:07:50.359 --> 02:07:55.560
<v Speaker 24>had an altercation with an employee or another customer, so

2426
02:07:55.600 --> 02:07:57.279
<v Speaker 24>they had to let her go. She's only there a

2427
02:07:57.359 --> 02:08:01.920
<v Speaker 24>few hours. She called in stating that they the employees

2428
02:08:02.000 --> 02:08:05.159
<v Speaker 24>do not get the chip tips. They cannot be anything

2429
02:08:05.239 --> 02:08:08.279
<v Speaker 24>further than the truth. They have a tip jar, they

2430
02:08:08.319 --> 02:08:11.000
<v Speaker 24>collect the tips. At the end of the day, Vicki

2431
02:08:11.560 --> 02:08:15.600
<v Speaker 24>and her husband that owned grandma Goodies split up the

2432
02:08:15.640 --> 02:08:19.000
<v Speaker 24>tips between the employees and the people that fake. So

2433
02:08:19.000 --> 02:08:21.680
<v Speaker 24>they've done appears they do not keep the tips at all.

2434
02:08:22.359 --> 02:08:25.520
<v Speaker 24>Brenda was just calling to disparage the restaurant, and I

2435
02:08:25.520 --> 02:08:26.479
<v Speaker 24>think it's.

2436
02:08:26.119 --> 02:08:28.800
<v Speaker 4>That's too bad. That's that's really too bad.

2437
02:08:30.600 --> 02:08:33.399
<v Speaker 24>So I just want to give kudos to the restaurant

2438
02:08:33.439 --> 02:08:36.119
<v Speaker 24>because she called in to disparage the restaurant, and I

2439
02:08:36.119 --> 02:08:38.319
<v Speaker 24>think they're very good based on the rating. Is a

2440
02:08:38.399 --> 02:08:40.000
<v Speaker 24>very good restaurant and they're.

2441
02:08:39.800 --> 02:08:43.680
<v Speaker 4>Not employees, you know, thank you very much. In fact,

2442
02:08:43.760 --> 02:08:46.079
<v Speaker 4>we all agreed we were going to try this place out.

2443
02:08:46.119 --> 02:08:47.479
<v Speaker 4>It looks so good online.

2444
02:08:48.199 --> 02:08:51.079
<v Speaker 14>It takes some special they're fired in six hours.

2445
02:08:51.399 --> 02:08:53.800
<v Speaker 5>Yeah, by the way, how do you get fired in

2446
02:08:53.880 --> 02:08:54.560
<v Speaker 5>six hours?

2447
02:08:54.600 --> 02:08:55.840
<v Speaker 4>Did they elaborate at all?

2448
02:08:57.520 --> 02:09:00.960
<v Speaker 24>They said there was some sort of altercation with either

2449
02:09:01.880 --> 02:09:04.359
<v Speaker 24>with one of the guests, and they just say, geez.

2450
02:09:04.800 --> 02:09:07.119
<v Speaker 24>They had to let it go and shore to the door.

2451
02:09:07.279 --> 02:09:09.359
<v Speaker 5>So you know, I have a funny story about that.

2452
02:09:10.439 --> 02:09:14.840
<v Speaker 5>I I was there roly pure for me and some friends.

2453
02:09:14.640 --> 02:09:16.239
<v Speaker 4>Were at a car show and we were at a

2454
02:09:16.279 --> 02:09:20.239
<v Speaker 4>restaurant and this waitress was so nasty that we couldn't

2455
02:09:20.239 --> 02:09:20.600
<v Speaker 4>believe it.

2456
02:09:20.600 --> 02:09:23.079
<v Speaker 5>I mean it really, she really was nasty. I mean

2457
02:09:23.079 --> 02:09:25.760
<v Speaker 5>it wasn't just somebody with it. And we didn't know why.

2458
02:09:25.800 --> 02:09:28.079
<v Speaker 5>But I remember at the time my friend was going

2459
02:09:28.119 --> 02:09:31.399
<v Speaker 5>through divorce and and he made a comment because we

2460
02:09:31.439 --> 02:09:34.119
<v Speaker 5>were all there for a guy's weekend at this car show,

2461
02:09:34.399 --> 02:09:36.920
<v Speaker 5>and he made it he said, if I want to

2462
02:09:36.960 --> 02:09:41.399
<v Speaker 5>be treated like this, I'd stay home. It was pretty funny,

2463
02:09:41.479 --> 02:09:44.079
<v Speaker 5>but then I got so pissed off. I remember the

2464
02:09:44.159 --> 02:09:48.159
<v Speaker 5>day Rollie would tell you I got up and I did.

2465
02:09:48.319 --> 02:09:51.199
<v Speaker 4>I rang my glass like they do at weddings with

2466
02:09:51.319 --> 02:09:53.800
<v Speaker 4>the silver ding ding ding ding, And people looked at

2467
02:09:53.840 --> 02:09:58.279
<v Speaker 4>me and I said, how many here are being treated

2468
02:09:58.479 --> 02:10:04.560
<v Speaker 4>terribly by this woman? I am kind of sick and

2469
02:10:04.640 --> 02:10:07.319
<v Speaker 4>tired of it. We're all here having fun. Why is

2470
02:10:07.359 --> 02:10:09.319
<v Speaker 4>she being so nasty? Oh?

2471
02:10:09.359 --> 02:10:13.600
<v Speaker 5>Man, you wouldn't believe it. People start raising their hand

2472
02:10:13.640 --> 02:10:16.279
<v Speaker 5>and clapping for me. I mean the ones that had her.

2473
02:10:16.960 --> 02:10:21.119
<v Speaker 5>She was fired, So I had to.

2474
02:10:21.079 --> 02:10:23.199
<v Speaker 4>Have been a year and a half later. Maybe I

2475
02:10:23.239 --> 02:10:24.800
<v Speaker 4>think it was a year and a half. I was

2476
02:10:24.880 --> 02:10:27.760
<v Speaker 4>doing a live shot for Channel four at the Wizard's

2477
02:10:27.840 --> 02:10:32.159
<v Speaker 4>Chest on Halloween. You know Halloween. So the Wizard's Chest

2478
02:10:32.319 --> 02:10:34.680
<v Speaker 4>used to be this magic store in a costume store,

2479
02:10:35.039 --> 02:10:39.119
<v Speaker 4>And all of a sudden, this witch comes up to

2480
02:10:39.159 --> 02:10:47.039
<v Speaker 4>me and says, I hope you're satisfied. I'm thinking, how

2481
02:10:47.079 --> 02:10:49.840
<v Speaker 4>I propose. She's dressed as a witch, and she was

2482
02:10:49.840 --> 02:10:52.319
<v Speaker 4>the woman that had gotten fired and wanted to let

2483
02:10:52.359 --> 02:10:53.880
<v Speaker 4>me know that I ruined her life. I said, no,

2484
02:10:54.000 --> 02:10:56.840
<v Speaker 4>I didn't ruin your life. I said, I think you

2485
02:10:56.920 --> 02:10:59.319
<v Speaker 4>pretty much did that. I mean, and I don't know

2486
02:10:59.359 --> 02:11:02.239
<v Speaker 4>how eating a job as a waitress in wherever the

2487
02:11:02.239 --> 02:11:05.279
<v Speaker 4>town was recommercier whatever is going to ruin your life.

2488
02:11:05.840 --> 02:11:09.279
<v Speaker 4>But that was and that woman she showed up at

2489
02:11:09.279 --> 02:11:11.039
<v Speaker 4>three different live shots.

2490
02:11:11.479 --> 02:11:12.199
<v Speaker 14>Better watch out.

2491
02:11:12.720 --> 02:11:16.439
<v Speaker 4>Well that was a long time ago. She's she's probably

2492
02:11:16.479 --> 02:11:19.399
<v Speaker 4>still a witch though, anyway. Three O three seven one

2493
02:11:19.479 --> 02:11:21.319
<v Speaker 4>three eight two five five.

2494
02:11:21.920 --> 02:11:25.199
<v Speaker 5>Go with a sure thing Denver's best roofer Excel Roofing

2495
02:11:25.279 --> 02:11:27.920
<v Speaker 5>dot com. You don't pay a cent until you're content.

2496
02:11:31.319 --> 02:11:34.479
<v Speaker 5>Time for an insurance check up free, no obligation. In comparison,

2497
02:11:34.640 --> 02:11:38.199
<v Speaker 5>call Compass Insurance paying too much your coverage at dozens

2498
02:11:38.199 --> 02:11:40.920
<v Speaker 5>of insurance companies find out now three O three seven

2499
02:11:41.039 --> 02:11:43.840
<v Speaker 5>seven to one. Help You'll think you're his only customer

2500
02:11:43.880 --> 02:11:46.119
<v Speaker 5>when you choose Frank durand the real estate Man dot

2501
02:11:46.159 --> 02:11:49.479
<v Speaker 5>com to list your home with Remax Alliance three oh

2502
02:11:49.520 --> 02:11:51.439
<v Speaker 5>three nine two zero sixteen twenty two.

2503
02:11:59.680 --> 02:12:00.880
<v Speaker 4>Hi, I'm Martino here.

2504
02:12:00.960 --> 02:12:04.680
<v Speaker 5>Okay, so Mike, what is your suggestion for the guy

2505
02:12:04.720 --> 02:12:05.479
<v Speaker 5>with the gazebo?

2506
02:12:09.279 --> 02:12:11.640
<v Speaker 17>Mike, I don't hear anybody telling him.

2507
02:12:12.079 --> 02:12:12.600
<v Speaker 11>Are you there?

2508
02:12:13.039 --> 02:12:13.920
<v Speaker 4>Yes, sir? Go ahead?

2509
02:12:14.720 --> 02:12:17.279
<v Speaker 17>Okay, Yeah, I didn't hear anybody tell me. Well, first

2510
02:12:17.319 --> 02:12:19.720
<v Speaker 17>thing he needs to find out those those are pre

2511
02:12:19.920 --> 02:12:24.239
<v Speaker 17>manufactured gazebos, right, what's the load bearing snow bearing on it?

2512
02:12:24.800 --> 02:12:27.720
<v Speaker 17>How much can you make can that gazebe hold? As

2513
02:12:27.800 --> 02:12:30.560
<v Speaker 17>much as I am betting Shingle and would and everything,

2514
02:12:30.920 --> 02:12:32.840
<v Speaker 17>he may not be able to. He may come out

2515
02:12:32.840 --> 02:12:33.880
<v Speaker 17>and find it collapse.

2516
02:12:35.720 --> 02:12:38.760
<v Speaker 15>Yeah, that's that's true, of course. But I mean the

2517
02:12:38.760 --> 02:12:41.279
<v Speaker 15>bottom line was it was just a bad idea to

2518
02:12:41.359 --> 02:12:42.439
<v Speaker 15>go and do that.

2519
02:12:42.640 --> 02:12:43.039
<v Speaker 14>Anyway.

2520
02:12:43.159 --> 02:12:45.920
<v Speaker 5>Do you know what I think? And this is probably crazy, Mike,

2521
02:12:46.000 --> 02:12:49.960
<v Speaker 5>but thanks for calling. I think that Costco would.

2522
02:12:49.720 --> 02:12:52.920
<v Speaker 4>Take it back. They might, that's how crazy they are.

2523
02:12:53.079 --> 02:12:56.039
<v Speaker 4>They would if he said, my homeowners won't allow it.

2524
02:12:56.000 --> 02:12:57.920
<v Speaker 15>And go buy one of those big wooden ones in

2525
02:12:57.920 --> 02:12:58.840
<v Speaker 15>front of home depot.

2526
02:12:58.960 --> 02:13:02.880
<v Speaker 4>And but they're labor taking it down and all that. Steve.

2527
02:13:03.319 --> 02:13:06.039
<v Speaker 4>You have a question on movers, Go ahead, Steve, what's happening?

2528
02:13:07.279 --> 02:13:10.239
<v Speaker 17>Yeah, I'm moving out of state and I've heard all

2529
02:13:10.239 --> 02:13:14.159
<v Speaker 17>these horror stories about people hiring companies and these moving companies.

2530
02:13:14.439 --> 02:13:16.279
<v Speaker 17>That's right, you're belonging hostage.

2531
02:13:16.640 --> 02:13:17.159
<v Speaker 4>That's right.

2532
02:13:18.439 --> 02:13:21.960
<v Speaker 17>I hired a company. I'll put a deposit, American Movers Direct.

2533
02:13:22.520 --> 02:13:26.640
<v Speaker 17>I've done my research online. I mean, how do you

2534
02:13:26.680 --> 02:13:27.399
<v Speaker 17>feel comfortable?

2535
02:13:28.000 --> 02:13:28.840
<v Speaker 12>This is like one of the best.

2536
02:13:28.840 --> 02:13:33.399
<v Speaker 5>Okay, now, American Movers Direct I've never heard of. So

2537
02:13:34.000 --> 02:13:37.279
<v Speaker 5>here's what I tell you, okay, that's how I pick

2538
02:13:37.319 --> 02:13:41.640
<v Speaker 5>a mover. They're very hard to find. First of all,

2539
02:13:41.760 --> 02:13:47.000
<v Speaker 5>most movers are not movers. They're contract gatherers, and they

2540
02:13:47.039 --> 02:13:49.520
<v Speaker 5>take money and do nothing, then sell the contract to

2541
02:13:49.560 --> 02:13:52.960
<v Speaker 5>someone else who then picks up your stuff and then

2542
02:13:53.000 --> 02:13:55.520
<v Speaker 5>talks you into more money, and then somebody else transports it,

2543
02:13:55.520 --> 02:13:58.560
<v Speaker 5>and then they hold it hostage upon delivery, saying you

2544
02:13:58.600 --> 02:14:01.760
<v Speaker 5>owe them even more money. So most movers aren't movers.

2545
02:14:01.800 --> 02:14:05.560
<v Speaker 5>They just they move your contract from one person to another.

2546
02:14:05.880 --> 02:14:08.920
<v Speaker 4>What you need is someone who's going to handle the

2547
02:14:08.960 --> 02:14:11.159
<v Speaker 4>move from beginning to end. Okay.

2548
02:14:11.399 --> 02:14:17.680
<v Speaker 5>That means an agent for a recognized national van line. Unfortunately,

2549
02:14:17.800 --> 02:14:20.560
<v Speaker 5>that's the best way to When I say unfortunately, meaning

2550
02:14:20.800 --> 02:14:23.279
<v Speaker 5>that's what you have to do, okay, you have to

2551
02:14:23.319 --> 02:14:27.479
<v Speaker 5>go to a recognized agent of a reputable van line.

2552
02:14:27.600 --> 02:14:30.199
<v Speaker 5>And this has to be an agent that owns their

2553
02:14:30.319 --> 02:14:33.600
<v Speaker 5>Listen carefully. They own their own fleet of trucks, or

2554
02:14:33.600 --> 02:14:37.239
<v Speaker 5>at least their own fleet. They don't sell contracts, and

2555
02:14:38.199 --> 02:14:40.720
<v Speaker 5>they have their own brick and mortar place, not a

2556
02:14:40.760 --> 02:14:44.880
<v Speaker 5>guy sitting in his basement in his underwear, gathering your

2557
02:14:44.920 --> 02:14:46.119
<v Speaker 5>contract and selling it.

2558
02:14:46.439 --> 02:14:47.439
<v Speaker 4>That's the way you do it.

2559
02:14:47.680 --> 02:14:49.760
<v Speaker 5>So if you want to move, I'm going to tell

2560
02:14:49.800 --> 02:14:51.920
<v Speaker 5>you the safest thing the guy should pay me for

2561
02:14:52.000 --> 02:14:56.199
<v Speaker 5>advertising because over the years I've known him for so long,

2562
02:14:56.479 --> 02:14:59.079
<v Speaker 5>and the reason he doesn't advertise is because he doesn't

2563
02:14:59.119 --> 02:15:02.680
<v Speaker 5>have to because they're because they're the best mover in

2564
02:15:02.720 --> 02:15:08.600
<v Speaker 5>the world. And that's Johnson Moving in storage. So yeah,

2565
02:15:08.640 --> 02:15:11.039
<v Speaker 5>so you called Johnson moving in storage here in Denver,

2566
02:15:11.439 --> 02:15:12.479
<v Speaker 5>and then it's done.

2567
02:15:12.600 --> 02:15:13.000
<v Speaker 4>Okay.

2568
02:15:13.199 --> 02:15:17.119
<v Speaker 5>I wish I could name different ones throughout. There are

2569
02:15:17.319 --> 02:15:20.920
<v Speaker 5>probably other ones around, but this is the guy that

2570
02:15:21.000 --> 02:15:23.319
<v Speaker 5>I've known Mark for years and years and years and

2571
02:15:23.399 --> 02:15:25.439
<v Speaker 5>years and years now. He used to be on my

2572
02:15:25.520 --> 02:15:29.039
<v Speaker 5>referral list many years ago. But frankly, the man doesn't

2573
02:15:29.079 --> 02:15:31.319
<v Speaker 5>need to advertise. They've been in business one hundred and

2574
02:15:31.359 --> 02:15:36.560
<v Speaker 5>twenty five years and they're I believe they Let's see

2575
02:15:36.560 --> 02:15:39.600
<v Speaker 5>who are Are they National van Lines or wait, they're

2576
02:15:39.640 --> 02:15:41.439
<v Speaker 5>for one, But it doesn't matter.

2577
02:15:41.560 --> 02:15:45.439
<v Speaker 4>They're They're a real, honest to god agent.

2578
02:15:45.760 --> 02:15:49.840
<v Speaker 5>But you can get you can also get good ones

2579
02:15:50.000 --> 02:15:51.039
<v Speaker 5>that are grable.

2580
02:15:51.479 --> 02:15:55.640
<v Speaker 4>You can get people who are beacons.

2581
02:15:56.239 --> 02:15:59.800
<v Speaker 5>But you just want someone with a long history of

2582
02:16:00.079 --> 02:16:04.960
<v Speaker 5>not screwing people. And I forge I'm trying to find

2583
02:16:05.000 --> 02:16:06.039
<v Speaker 5>out who Johnson is.

2584
02:16:06.000 --> 02:16:10.760
<v Speaker 4>Affiliated with I believe they're United Van Lines. I think

2585
02:16:10.760 --> 02:16:17.039
<v Speaker 4>they're united. Yeah, Johnson Moving in Storage.

2586
02:16:17.239 --> 02:16:21.000
<v Speaker 5>Yep, you call them, you will. Here here's their number.

2587
02:16:21.039 --> 02:16:22.399
<v Speaker 5>I looked them up online again.

2588
02:16:22.720 --> 02:16:25.159
<v Speaker 4>The guy, the guy to hire me. Here it is

2589
02:16:25.199 --> 02:16:31.760
<v Speaker 4>three h three seven eight five forty three fourteen. There.

2590
02:16:31.960 --> 02:16:34.799
<v Speaker 5>Don't screw around. Just don't screw around with anyone else.

2591
02:16:38.920 --> 02:16:42.760
<v Speaker 4>It's that big, okay, and it really will.

2592
02:16:42.879 --> 02:16:45.639
<v Speaker 5>You're never gonna You're never gonna have those games because

2593
02:16:45.680 --> 02:16:48.360
<v Speaker 5>the way it works sucks. Usually you call a guy,

2594
02:16:48.399 --> 02:16:50.760
<v Speaker 5>they take money, they do nothing, They sell your contract.

2595
02:16:50.840 --> 02:16:52.799
<v Speaker 5>You never know who you're dealing with. There's four or

2596
02:16:52.840 --> 02:16:55.239
<v Speaker 5>five different people. They hike the price each time. Keep

2597
02:16:55.280 --> 02:16:57.239
<v Speaker 5>your stuff, and by the way, most of the time,

2598
02:16:57.280 --> 02:17:00.120
<v Speaker 5>it doesn't pay to move. It pays to sell and

2599
02:17:00.159 --> 02:17:03.479
<v Speaker 5>to buy where you are and take the most valuable

2600
02:17:03.520 --> 02:17:07.520
<v Speaker 5>of your stuff. That's so keepsake or documents and simply

2601
02:17:07.559 --> 02:17:08.120
<v Speaker 5>ship them.

2602
02:17:08.319 --> 02:17:08.719
<v Speaker 4>By the way.

2603
02:17:08.840 --> 02:17:12.920
<v Speaker 5>John Fuller Personal Injuryco dot Com three oh three five

2604
02:17:13.079 --> 02:17:17.639
<v Speaker 5>nine seven forty five hundred, But simply remember the name Fuller, John.

2605
02:17:18.040 --> 02:17:20.239
<v Speaker 5>You will talk to each and every client that calls

2606
02:17:20.280 --> 02:17:21.120
<v Speaker 5>and wants to talk to you.

2607
02:17:21.079 --> 02:17:21.760
<v Speaker 4>Is that right, John?

2608
02:17:22.000 --> 02:17:22.840
<v Speaker 14>Absolutely?

2609
02:17:23.040 --> 02:17:26.399
<v Speaker 5>Yeah, So I'm serious when I say this. Just call,

2610
02:17:26.879 --> 02:17:29.959
<v Speaker 5>ask your questions and say what can you do for me?

2611
02:17:30.840 --> 02:17:33.120
<v Speaker 5>I mean, what the hell right? You can't do better

2612
02:17:33.159 --> 02:17:35.399
<v Speaker 5>than that three oh three five nine seven forty five

2613
02:17:35.440 --> 02:17:35.760
<v Speaker 5>hundred