Speaker 1: Yeah, ripped dum, that's who you don't have.
Speaker 2: Just as fast as.
Speaker 1: We can shoot us, gonna help come.
Speaker 3: Ma Dix is the Troubleshooter show. No Tom Martino, Hey.
Speaker 4: Tom Martino here? Guess so I'm with John Fuller.
Speaker 5: Fuller Law, Personal Injury plus a lot more. He's been
Speaker 5: around so long he learns by osmosis, so he'll be
Speaker 5: my co host today. Personal Injury CEO dot com and
Speaker 5: the website has a lot of information. We got a
Speaker 5: lot to talk about today. I like I like educating.
Speaker 4: I like it. Do you need it up or down? John? Down? Okay,
Speaker 4: let's see is that better? Okay?
Speaker 5: We are talking about his headphone and if you're on
Speaker 5: uh streaming, you can see us on the wide shot.
Speaker 5: And we have a lot to talk about. I wanted
Speaker 5: to get to it yesterday. I didn't get to it.
Speaker 5: But there are a lot of issues in the news,
Speaker 5: and you know a lot of times I like to
Speaker 5: talk about things in terms of education, not necessarily taking
Speaker 5: a stand, but in terms of education. And I did that,
Speaker 5: like with Project twenty twenty five. You know, what exactly
Speaker 5: does it say and who exactly embraces it? And then
Speaker 5: I have some other issues that came up that I
Speaker 5: think as consumers we become smarter. But I think you're
Speaker 5: smart enough. I don't have to tell you where to
Speaker 5: stand on any issue. Jan, though, wants to talk about
Speaker 5: a he lock.
Speaker 4: Excuse me.
Speaker 5: A he lock is stands for home equity line of
Speaker 5: credit h eloc.
Speaker 4: Jan, take it away. What's going on? Fine?
Speaker 2: Well, I have done helock home and it was sold
Speaker 2: to a new mortgage company. And well, I would say
Speaker 2: it was in July.
Speaker 4: How long have you had Jan? How long have you
Speaker 4: had a helock?
Speaker 2: For a really long time? I got it from that
Speaker 2: my bank, my way You're long? Okay?
Speaker 4: No?
Speaker 5: No, no, okay, so hold on, hold on? You did it
Speaker 5: from my money myway dot com or what?
Speaker 6: No?
Speaker 4: It was excuse me, my bank. I know what you mean.
Speaker 4: It's the CMG. Is it the CMG mortgage?
Speaker 3: It should be.
Speaker 4: That's a good one, Mark. Okay.
Speaker 5: So here's what I want to know, though, And I
Speaker 5: don't mean to be labor details.
Speaker 4: But you also have a first is that right? Or
Speaker 4: is all you have this keylock?
Speaker 2: I just have a helock?
Speaker 4: Okay? So okay, she's talking folks about normally helock. We
Speaker 4: talk about a Helock.
Speaker 5: In terms of a second, she has that original first
Speaker 5: that CMG mortgage pioneered where you can pay as much
Speaker 5: or as little as you want.
Speaker 4: And it's kind of like a thirty year line of
Speaker 4: credit where you pay it up. I mean, you borrow
Speaker 4: it up, you pay it down, you borrow it up,
Speaker 4: you pay it down, you.
Speaker 5: Can pay interest only. It's really you're in control role.
Speaker 5: And so what who did you get it from.
Speaker 4: Back in the day when you had it?
Speaker 2: Oh my gosh, I don't remember, because in that many years, Tom.
Speaker 7: I think the only bank that has done those in
Speaker 7: this country is c MG.
Speaker 8: Okay okay, so probably who it was.
Speaker 4: And did you do it as a result of hearing
Speaker 4: it on this show?
Speaker 2: I did?
Speaker 5: Okay, okay, I had one. So so what's going on?
Speaker 5: I think Deputy Doc has one too. But anyway, what's
Speaker 5: going on?
Speaker 2: Jan Well, so what's happened is when they sold it
Speaker 2: to this new mortgage company. But they're they're you know,
Speaker 2: it's supposed to be an interest only and then I've
Speaker 2: always you know, added my own principal balance, principal work
Speaker 2: into it. Sure now they've changed it into a regular mortgage.
Speaker 4: No, no, no, they can't do that. No one can
Speaker 4: change anything. Hold on, well, they have, no, I don't
Speaker 4: think they have, only if you agreed to it somehow, Jan,
Speaker 4: I know what happened. I know, Okay, let me explain
Speaker 4: what I think happened. Many of the CMG helocks, the
Speaker 4: thirty year lines of credit, they freeze at ten years
Speaker 4: and become regularly amortized, right, Drake John, you looked into
Speaker 4: that now or a lot of helocks do that now?
Speaker 5: I think there's an option where at that ten year
Speaker 5: mark you can refinance it.
Speaker 4: But Mark, did you know that? And mine?
Speaker 7: Well, I've got one, so mine doesn't work the way
Speaker 7: you're talking about. Mine was through CMG. They did sell
Speaker 7: it to some other bank, but it doesn't matter. The
Speaker 7: bottom line is in ten years, depending on the equity
Speaker 7: of the house, they'll take basically one percent a year.
Speaker 7: So at ten years that would be ten percent less
Speaker 7: than the amount.
Speaker 4: That you started with.
Speaker 7: Well, in other words, if you got a million dollars,
Speaker 7: if you got a million dollar credit line, in ten years,
Speaker 7: you would have a nine hundred thousand dollars credit line.
Speaker 4: Jan, I'm I am almost positive.
Speaker 5: Just because of laws, no one is going to do
Speaker 5: anything illegally in any mortgage business unless they're crooks, and
Speaker 5: these people aren't crooks, so we would have to see
Speaker 5: what you're talking about. Did you get a notice saying
Speaker 5: that you no longer have access to your line of credit?
Speaker 2: No? So this Can I explain this to men?
Speaker 4: Go ahead? Now, go ahead and explain So when Yeah.
Speaker 2: When I received the first payment it was it was
Speaker 2: a home equity line statement. Then the second statement I
Speaker 2: received was a monthly billing statement, which was for August.
Speaker 2: And I have called them on six different occasions. They
Speaker 2: say their heelock department is so backed up they can't
Speaker 2: even talk to themselves. They do everything, you know, they
Speaker 2: do everything electronically to them and I'm not getting in.
Speaker 2: I get the same answer.
Speaker 7: Give me Mark, Can we get John on or I'm
Speaker 7: three steps ahead.
Speaker 4: He Kelly's going to be calling him in a second.
Speaker 4: Put Jan on, Old Jan.
Speaker 5: We have someone who's one of the largest marketers of
Speaker 5: this loan in the area.
Speaker 4: Now he's not with us. He actually works for CMG
Speaker 4: as well.
Speaker 5: Oh okay, I knew he was a broker, but he
Speaker 5: actually works for them. Absolutely, Okay, then that's who we're
Speaker 5: going to talk to. Hold on jan We'll get.
Speaker 4: To the bottom of this.
Speaker 5: Three oh three seven one three talk three oh three
Speaker 5: seven one three A two five five. Mike has a
Speaker 5: timeshare question what I lovingly refer to as.
Speaker 4: Tough financial arpies. What's going on, man?
Speaker 9: Can you hear me?
Speaker 4: I ken? Mike?
Speaker 10: Okay, So the deal is, my daughter and her ex.
Speaker 11: Husband decided to go to Las Vegas.
Speaker 12: They had a couple extra drinks.
Speaker 11: They signed up for a time share.
Speaker 4: Now, were they married at the time or was it
Speaker 4: still her ex husband?
Speaker 10: They were married at the time.
Speaker 5: Okay, that's what I needed to know. So your daughter
Speaker 5: and husband bought a timeshare.
Speaker 11: Well they signed the paperwork.
Speaker 4: Well that's called buying. That's called buying. So what happened then, Well,
Speaker 4: they never used it.
Speaker 10: They also were required to sign up for a credit
Speaker 10: card to help pay for the down payment on it.
Speaker 10: They never used it, they never activated it, they never
Speaker 10: used the.
Speaker 4: They still own it. Mike.
Speaker 5: I know what you're trying to do. You're trying to
Speaker 5: make a case that they never bought it. They bought it,
Speaker 5: they just didn't. They just breached their contract. I'm trying
Speaker 5: to cut to the chase so we can actually help you.
Speaker 5: So most likely all of the paperwork was done properly.
Speaker 5: They bought it, but they breached the contract.
Speaker 4: They never made any payments. Is that correct?
Speaker 11: That's correct?
Speaker 10: And it was back in twenty seventeen.
Speaker 5: Okay, hold on, okay, then what happened? Well, know, when
Speaker 5: did they divorce? When did they divorce? When did they divorce?
Speaker 6: I'd have to look that up.
Speaker 10: It was about three or four years ago.
Speaker 4: I'll say.
Speaker 5: Okay, so let's just say twenty twenty. What happened then?
Speaker 13: So now my daughter wants to buy a house, and
Speaker 13: this timeshare thing that is coming up.
Speaker 10: On there is right, you know there and so in
Speaker 10: the divorce decree it was mentioned that the husband was
Speaker 10: supposed to take care of the timeshare. Okay, and and
Speaker 10: he never did.
Speaker 7: Okay, means nothing to the timeshare compan Yeah, hold on, Mark,
Speaker 7: let I was going to drop that bomb.
Speaker 5: But se see, Mike, what Mark was alluding to is
Speaker 5: divorce decrees cannot assign cannot make a creditor a sign responsibility.
Speaker 11: They it was twenty team.
Speaker 4: But hold on, just wait for let's take one thing
Speaker 4: at a time.
Speaker 5: The divorce decree can't tell a creditor don't go after
Speaker 5: this one go after this one.
Speaker 4: All they can do. All they can do is force.
Speaker 5: An agreement between the husband and wife, which is not
Speaker 5: totally bad because if he signed, if there was a
Speaker 5: court to decree saying it was his responsibility, she has
Speaker 5: a civil action against him to make him pay it.
Speaker 5: But you can't make the timeshare people go after him
Speaker 5: and not your daughter.
Speaker 4: Yeah, it's no defense, no none at all.
Speaker 7: And guys worse than that as far as the credit reporting,
Speaker 7: because that's what she's dealing with now, even if it's paid,
Speaker 7: it's still going to show that lack.
Speaker 11: Yep.
Speaker 5: Yeah, even if it's paid now, it's going to show
Speaker 5: they never paid it now.
Speaker 4: But then he has another point.
Speaker 5: If it was twenty seventeen, when did it go into
Speaker 5: default and when would it expire? So here's the reality
Speaker 5: of this situation, Mike, and why it's staying there. Let's
Speaker 5: say it went into default in eighteen. That's most likely
Speaker 5: when it would have gone into default. That's then you
Speaker 5: would count nineteen, twenty twenty one, twenty two, twenty three,
Speaker 5: twenty four in this. In twenty twenty four, they reached
Speaker 5: the six year mark, which means they can no longer
Speaker 5: get a judgment in court to collect in Colorado. But
Speaker 5: they may have signed this somewhere else where the laws
Speaker 5: of another state are in effect. So where did they
Speaker 5: sign it? Las Vegas, so Nevada law would take effect.
Speaker 5: And I don't know what the statute is in Nevada
Speaker 5: law for collection of debt, but let's just say it's the.
Speaker 4: Same as Colorado.
Speaker 5: And that means that this company cannot pursue a judgment
Speaker 5: against your daughter, which is really good.
Speaker 4: That means they can't garnish way. They can't do anything.
Speaker 4: But what they can do is report it.
Speaker 9: And that's what they're doing.
Speaker 10: And that's the thing.
Speaker 5: And it's going to continue to and in fact, she's
Speaker 5: not going to be able to well, I'm sure people
Speaker 5: will never ever relent on it.
Speaker 7: There might one out might be have someone like Michael
Speaker 7: Finn or even you, but someone attempt to offer them
Speaker 7: a certain amount of money in a very careful way,
Speaker 7: so it doesn't renew. To get rid of the credit reporting.
Speaker 4: Yeah, you can negotiate something a payment.
Speaker 11: They won't. They won't talk to us.
Speaker 4: What is this showing up as? Is it showing up
Speaker 4: as a foreclosure?
Speaker 9: I don't know the specific to that.
Speaker 5: It's most likely not, it's most likely showing up as
Speaker 5: a default.
Speaker 9: Yes, I think that's correct, Mike.
Speaker 6: It's holding up the real estate transaction.
Speaker 4: Well, it's absolutely going to I mean, this is what
Speaker 4: you all. I think we should ask Finn time fees. Yeah,
Speaker 4: but listen, Mark, Okay, what Finn is gonna tell us?
Speaker 7: If I'm just saying, I guarantee he has run across
Speaker 7: this exact reason more than any of us ever have,
Speaker 7: and there must be some form of workaround or negotiation
Speaker 7: or something.
Speaker 5: Okay, but but let's okay, let's call him. You're right,
Speaker 5: it's not going to hurt because there's a there's a
Speaker 5: lot of wisdom in the more council we get right,
Speaker 5: as the Bible says. So here's what I want to do.
Speaker 5: I want to get as many opinion as possible, but
Speaker 5: I want to ask something else, and that is are
Speaker 5: the original timeshare people coming after you?
Speaker 4: Or is it a separate company? Do you know.
Speaker 10: Nobody's coming after him, It's just the fact that it's
Speaker 10: holding up the.
Speaker 11: To a realistic transaction.
Speaker 5: Okay, hold on, Mark, can you tell Kachina during the
Speaker 5: break where to fall?
Speaker 4: And then we got CMG up, so we'll figure out
Speaker 4: wine one.
Speaker 5: Yeah, I'm going to talk to John Place with CMG
Speaker 5: about the all in one loan, which, by the way,
Speaker 5: in and of itself is a pretty damn good loan.
Speaker 5: But what happened to Jan we'll figure it out. Plus,
Speaker 5: we have John Fuller with us from Fuller Law. He
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Speaker 4: Let's talk. Now.
Speaker 5: We have John plays with us. He's with CMG. CMG
Speaker 5: invented this thing.
Speaker 4: Actually, there was.
Speaker 5: A mortgage bank in Australia, whatever it is. CMG is
Speaker 5: the leader and they do these all on one loans
Speaker 5: where you.
Speaker 4: Can have flexibility paying the interest and principle you can
Speaker 4: borrow money then pay it back all at once, or
Speaker 4: pay back a.
Speaker 5: Little or whatever. It's a great flexible line of credit.
Speaker 5: John jan said it was sold. Now I'm not sure
Speaker 5: if the actual loan was sold or just the servicing
Speaker 5: of that loan, and she seems to indicate that it's
Speaker 5: switching from a line of credit to a regular amortized product.
Speaker 4: Have you heard of that?
Speaker 6: Do you know how long ago she got the loan?
Speaker 6: Because the ones that were done, like ten years ago,
Speaker 6: some of them have been sold, but it's been a.
Speaker 4: Long time now.
Speaker 5: But when they were sold, were they did they at
Speaker 5: any time?
Speaker 4: Did the all in one loan.
Speaker 5: Ever convert to a regular amortized product.
Speaker 6: It did not, And people usually make a mistake after
Speaker 6: ten years. What it does, It reduces your line at credit,
Speaker 6: but it never it never converts to a regular amortized product.
Speaker 5: No, okay, So Jan, how you got to help us
Speaker 5: out here? How long have you had that loan?
Speaker 2: Well, it was a thirty year loan, and I mean
Speaker 2: I've had it for quite a while, like I would say,
Speaker 2: probably twenty you know, twenty years, twenty plus years, John,
Speaker 2: that was.
Speaker 5: Back when we were doing that originally, probably you know,
Speaker 5: back when she heard it on my show with you
Speaker 5: and your brother.
Speaker 4: That's what I'm thinking. And so would that be mocquery
Speaker 4: or was that still CMG?
Speaker 2: It was mcquar, It was McQuary, it was But are sourced.
Speaker 6: Who's servicing the loan now? Is it over Riverstone.
Speaker 2: Is now it's being serviced by They just sold it
Speaker 2: I less service. It was serviced by Specialized Loan SERVICEME
Speaker 2: and in July they sold it to Shell Point.
Speaker 11: Yep.
Speaker 2: And the reason why, opinion they've.
Speaker 5: Okay, jan the reason you believe it converted to a regular.
Speaker 2: Loan is why is because now they're charging me principal
Speaker 2: and interest.
Speaker 6: So what they do, so how the loan product works
Speaker 6: even back then, was after ten years. So let's say
Speaker 6: you had a two hundred thousand dollars loan after ten years.
Speaker 6: Also on one hundred and the one hundred and twenty
Speaker 6: first month, they start reducing the line of credit by
Speaker 6: one two and fortieth every month, so it almost people
Speaker 6: think it's a Princeville interestainment. But what it is, it's
Speaker 6: a forced zero balance after thirty years, but payment goes
Speaker 6: up because they're making you pay. It's a forced payoff
Speaker 6: after thirty years.
Speaker 5: So okay, So what they're trying to do is collect
Speaker 5: enough principles so at the end of thirty years she's
Speaker 5: paid up. But then doesn't that defeat the purpose though?
Speaker 5: Isn't that then isn't that truly just a regular mortgage?
Speaker 5: Or can she still borrow from it?
Speaker 6: If she can still borrow if she has equally Typically
Speaker 6: most people have paid it down enough that they still
Speaker 6: have the equity that they can borrow.
Speaker 4: Okay, and what's the loan what's the loan to value
Speaker 4: that they figure that on?
Speaker 6: Oh well it was kind of when you started, so
Speaker 6: we could have been at eighty percent. So if she's
Speaker 6: max so.
Speaker 5: So, but do they go by the original value or
Speaker 5: the current value?
Speaker 9: Original?
Speaker 5: Can she refle so she can just refy if she
Speaker 5: needed to, right.
Speaker 6: Oh, she can refine. The banking system is great now.
Speaker 6: I mean it's we've we've updated it. It's one hundred
Speaker 6: percent better than what happened with this shell point. And
Speaker 6: because they're they're not a good serviceer, and we don't
Speaker 6: use them anymore. We haven't used them since back fifteen
Speaker 6: years ago.
Speaker 5: Yeah, so John, you could refy this loan with her,
Speaker 5: probably and get her into the new version.
Speaker 11: I could, yes, yeah, And then she.
Speaker 5: Would reset the clock and she wouldn't have to do
Speaker 5: the one tote two hundred and fortieth of it.
Speaker 6: Correct correct, and we could set it to where she
Speaker 6: wanted to line of credit. They'll pay it down just
Speaker 6: as fast as you want. But yeah, just right now,
Speaker 6: she's getting to the tail end of the loan. Where
Speaker 6: if she if she.
Speaker 5: Yeah, because it's a thirty year line of credit. She
Speaker 5: had it twenty years, so naturally, Jan, they're trying to
Speaker 5: collect some minimum principle. And if you had more equity,
Speaker 5: you would still be able to borrow. So I don't
Speaker 5: think anything is wrong with what is going on. I
Speaker 5: just think that you need to get rid of it
Speaker 5: and do and just refinance it because your house went
Speaker 5: up in Valley.
Speaker 6: It's just fine with me.
Speaker 2: I want out of this group.
Speaker 5: Okay, Well listen, let me give you. Let me give
Speaker 5: you CMG all in one number. Is this number good?
Speaker 5: The five seven seven number? John, where's that yourself? What's that?
Speaker 6: That's my direct office? That's good, that's good.
Speaker 5: Three h three five seven seven seven to zero six.
Speaker 4: Hey. I got a quick question for John.
Speaker 7: When when she did get that sold to either another
Speaker 7: bank or a servicing company, if she was offsetting with
Speaker 7: her income into the old bank's checking account, does she
Speaker 7: gotta does she got to open up a new checking account?
Speaker 4: How does that part work? I think John'll take care
Speaker 4: of all I go.
Speaker 6: Ahead, Yeah, we will. We will because right right now
Speaker 6: the banking services that's what's in the last five years
Speaker 6: is just accelerated, and you'll want to do that. Yes,
Speaker 6: we will probably shut that banking countdown completely and start
Speaker 6: a new one. She doesn't have to, but that would
Speaker 6: be best for her.
Speaker 11: Mostly.
Speaker 5: Thank you guys, Thank you John Clace.
Speaker 4: We appreciate that very much. And by the way, speaking
Speaker 4: of real estate.
Speaker 5: Frank durand the real Estateman dot com will do a
Speaker 5: valuation of your home to see what it's worth in
Speaker 5: this current market with current interest rates. If you're thinking
Speaker 5: of selling, there is no obligation to ask him. He'll
Speaker 5: do a complete analysis.
Speaker 4: Three all three nine two zero sixteen twenty two.
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Speaker 4: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance checkup free no obligation comparison
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Speaker 5: to list your home with Remax Alliance three all three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 5: with John Fuller Fuller Law Personal Injuryco dot com.
Speaker 4: Hey Mike with the timeshare.
Speaker 5: You don't have to pull them up with Mike, where
Speaker 5: you're going to get you back on when we can
Speaker 5: get our time share attorney on to talk about your
Speaker 5: situation with your daughter. Right now, I want to go
Speaker 5: on to the other some other people that have been
Speaker 5: waiting a while. Adam has an issue with the Guitar Center.
Speaker 4: What's going on? Adam?
Speaker 5: I must say, I don't think I've ever had an
Speaker 5: issue with Guitar Center before, so this is a first.
Speaker 4: What's happening?
Speaker 11: All right?
Speaker 12: Can you hear me?
Speaker 6: Right?
Speaker 4: I sure can? Man, what's going on?
Speaker 2: So?
Speaker 11: I bought a I've.
Speaker 13: Been as guitar from Guitar Center in October and I
Speaker 13: bought the warranty with it. And they've been kind of
Speaker 13: tiptoe around actually using the warranty.
Speaker 4: For what I was.
Speaker 5: Now, now let me just say something. They're really big
Speaker 5: on selling those warranties. I bought one, bought a guitar
Speaker 5: for my son or two of them, and they really
Speaker 5: pushed those warranties, but we've never had to use it.
Speaker 4: So tell me when you say you're having trouble, what
Speaker 4: do you mean?
Speaker 13: Okay, So when I first bought it, they they told
Speaker 13: me that I could either get my money back in
Speaker 13: full for the guitar, which was huge, or I could
Speaker 13: just get a brandy replacement from the manufacturer.
Speaker 5: Well, I never heard of a refund on those, and
Speaker 5: I'm not telling you you don't have that, but I've
Speaker 5: never heard of that before.
Speaker 4: Right now, are you sure? Wait? Are you sure they
Speaker 4: said a refund mark? Have you ever heard of those
Speaker 4: on that?
Speaker 7: I don't know why they'd call it a warranty. It
Speaker 7: sounds more like a guarantee.
Speaker 4: No, I haven't. I mean, so, so, do you have
Speaker 4: it in writing where you can look at it? I
Speaker 4: have mine on a go ahead, So I have.
Speaker 13: The receipt with the warranty, but I have my friend
Speaker 13: who was there with me, who can also verify that
Speaker 13: they promised me a refund in camera.
Speaker 5: Well, John Fuller, if they promise them a refunding cash
Speaker 5: and it's not in the warranty, and his friend says, yeah,
Speaker 5: they said it. I mean let's get right to it.
Speaker 5: Can they enforce that kind of thing?
Speaker 14: Probably not.
Speaker 4: I listen, you're gonna have a real.
Speaker 14: Why didn't you take that?
Speaker 4: Or yeah, let's talk about the issue. What's going on?
Speaker 4: Did did you want a refund?
Speaker 11: Is?
Speaker 4: That's what's happening right now.
Speaker 13: I'm really I don't care about the refund, but at
Speaker 13: this point I want some sort of conclusion because it's
Speaker 13: been going on for three months.
Speaker 5: What's wrong with the's? What's wrong with the guitar?
Speaker 11: Gotcha?
Speaker 9: Yeah?
Speaker 6: So it's it's a hybrid, it's acoustic.
Speaker 13: Electric, and the internals for the guitar he's getting unsoldered,
Speaker 13: which I looked up as a factory error from that.
Speaker 5: Guitar Ibanez has A. I didn't even know they made that.
Speaker 5: So they make an acoustic electric and so how long
Speaker 5: ago did you buy it?
Speaker 13: I bought it October eleventh of last year?
Speaker 4: Okay, and go ahead? Did they will? They not even
Speaker 4: fix it?
Speaker 11: Yeah?
Speaker 13: So what's going on is I've talked to for the
Speaker 13: the past three months, I've talked to four different guitar
Speaker 13: center employees, and I finally ended up with the assistant
Speaker 13: manager who told me that he could give me. He
Speaker 13: told me he can replace the guitar, and if they
Speaker 13: try to fix the guitar, he would do an under
Speaker 13: the table swap and just give me a brand new one.
Speaker 11: Yeah.
Speaker 9: So he've been emailing back and forth about that.
Speaker 13: But two days ago he told me it's being fixed,
Speaker 13: and that there was. He gave me no update on
Speaker 13: if I would get a new guitar, which is unfortunate
Speaker 13: because the guys, it's going to keep happening. If they
Speaker 13: fix it, the guitar is going to keep breaking since
Speaker 13: it's a factory error if.
Speaker 5: They no hold on, Hold on, that's not true at all.
Speaker 5: If it's a factory error and they fix it, why
Speaker 5: would it keep happening?
Speaker 4: Tell me why I need You mean, if they just
Speaker 4: replaced the.
Speaker 5: Board, right, because the and how do you know the
Speaker 5: board hasn't been hasn't been improved since or do you
Speaker 5: think they're not addressing it?
Speaker 13: I think they're not addressing it because it's when I
Speaker 13: first bought the guitar. There was also damage on the
Speaker 13: bottom of it too, which I asked if I could
Speaker 13: get a discount.
Speaker 7: Okay, hold on, guys, let me let me shed Let
Speaker 7: me shed a little info on this. Because I just
Speaker 7: read their warranty. I'll tell you where they're having an issue.
Speaker 7: Their warranty does not cover manufacturer's defects. So that warranty
Speaker 7: does not cover the problem you're having, does the hold on?
Speaker 4: Does the manufacturer cover it? And that I couldn't tell
Speaker 4: you because I don't know im.
Speaker 5: Now listen, I will tell you that I did buy
Speaker 5: two of these warranties, and they did tell me that
Speaker 5: if the factory doesn't cover it, I'm covered anyway, and
Speaker 5: it goes beyond the factory warranty.
Speaker 7: Just explicitly says in the event of product experiences of breakdown,
Speaker 7: which is not covered by any other insurance policy or
Speaker 7: manufacturer warranty, did you cover it?
Speaker 4: Okay, but hold on it. They'll cover it if it doesn't.
Speaker 5: So so if it's out of the manufacturer's warranty.
Speaker 4: They will cover it. That's right. But he said he
Speaker 4: just bought it. I assume they have a year one
Speaker 4: year war under the factory warranty or not.
Speaker 13: So. So for this guitar, it's called the ivan AZD
Speaker 13: ten N and it has a lifetime warranty with ivan Az,
Speaker 13: which I found out later without from buying.
Speaker 5: So you didn't even need the Guitar Center warrant to
Speaker 5: warranty a waste.
Speaker 4: Correct, it screwed.
Speaker 7: Them, I mean really because they won't even fix it.
Speaker 4: Now listen, if it has, did you buy the pro
Speaker 4: coverage by the way, from Guitar Center.
Speaker 6: I was only told there was one option.
Speaker 4: That's it. That's what it's called.
Speaker 5: Okay, now, okay, we need to get to the bottom
Speaker 5: of this. Is I been as refusing Ibanez needs to
Speaker 5: fix it under warranty if you have a lifetime warranty,
Speaker 5: I be as needs to fix it.
Speaker 7: And that's why they're seeing. They'll do it under the table.
Speaker 7: And they don't even own that warranty in house. They
Speaker 7: use as Sureion, which sells these for everything.
Speaker 4: You can imagine.
Speaker 14: I would want my money back on that warranty.
Speaker 5: Yes, for sure, you should get your money back on
Speaker 5: that warranty, except that warranty would no wait wait wait
Speaker 5: wait wait, accept.
Speaker 4: That warranty, that pro coverage.
Speaker 15: If he dropped that guitar, if it covers damage, it would.
Speaker 5: You know, if he dropped the guitar, it would replace it.
Speaker 14: Then you won't get your money back.
Speaker 5: Adam Adam man, you you need to we need to
Speaker 5: call iban As.
Speaker 4: I mean, have you talked to Ibanz.
Speaker 6: I have not.
Speaker 13: But when me and the assistant manager kept messaging back
Speaker 13: and forth, he said that in the email, it says
Speaker 13: they're gonna it, says see, I haven't. Those official guys
Speaker 13: are going to be on the ones working on it.
Speaker 13: But since I don't really have faith in that, because
Speaker 13: the guitar has broken three times with the same issue,
Speaker 13: I'm not, well.
Speaker 15: Hold on you should you take it?
Speaker 5: Did they fix it? Because they didn't offer it. They
Speaker 5: said it, but they didn't really come through with it.
Speaker 5: You said they fixed it. Did they actually fix it
Speaker 5: three times?
Speaker 14: No?
Speaker 13: No, No, I took it to a different guitar shop
Speaker 13: to get it repaired.
Speaker 5: Well, no, I'm sorry that you can't blame them for that.
Speaker 5: You need to let I've been as fix it under
Speaker 5: their lifetime warranty before you start saying they can't fix it.
Speaker 4: I mean I can't. I can't work with that.
Speaker 5: I can't work with you thinking automatically it's not going
Speaker 5: to get.
Speaker 4: Fixed because you didn't even give them. They have not even.
Speaker 5: Had one chance to fix it, right, Well, let's give
Speaker 5: them one chance. You're right, I mean, where's that circuit
Speaker 5: board located. I'm trying to I can picture an acoustic
Speaker 5: electric guitar.
Speaker 4: Where's the circuit board located?
Speaker 5: Is it right below the knobs? Is it what the
Speaker 5: knobs screw into?
Speaker 4: Right there? Is that? Is that what it is?
Speaker 13: Let's see it's let me get the image.
Speaker 5: I'm just curious where it goes. I think is right
Speaker 5: near the control knobs.
Speaker 13: Right, Yeah, it's just slightly under the.
Speaker 5: Knobs, right right, that's where it is, right, Okay, you
Speaker 5: know that can't be brain damage. For goodness sakes, I mean,
Speaker 5: I I mean, even if they had bad soddering or
Speaker 5: bad whatever printing on these things, they're they're they're they
Speaker 5: really really should have a handle on fixing that. By now,
Speaker 5: I would give iban as if you have problem with Ibanez,
Speaker 5: we'll call them and get involved.
Speaker 4: But I think you need to give them at least
Speaker 4: a chance to fix it.
Speaker 5: By the way, nowhere do I see a cash refund
Speaker 5: anywhere at all?
Speaker 4: None? Zero. So I don't know why someone told you that.
Speaker 4: But if ever, I mean, you've got to verify everything
Speaker 4: people tell you, because it's just going to be impossible
Speaker 4: to prove it. I'm Tom Martinez. We have more coming up.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three O three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two. Okay, some
Speaker 5: programming notes here, I just got texted about the qchole
Speaker 5: house fan and tom for pollen in your area and
Speaker 5: for debris and allergens. You do recommend Heppa screens, Yes,
Speaker 5: I do. They make them for windows. You don't need
Speaker 5: them in most times.
Speaker 4: But if you have a lot of pollen and stuff
Speaker 4: and you notice it's coming into the home, Heppi screens
Speaker 4: can filter. It's a great idea.
Speaker 5: In fact, a lot of people do Hepa screens even
Speaker 5: without a whole house fan, just to filter air coming
Speaker 5: into their home. It's a great idea, by the way. Okay,
Speaker 5: so let's continue. Now, we have John Fuller from Fuller
Speaker 5: Law with us, and I do have a text for him, John,
Speaker 5: are here's what somebody wants to know. Is there a
Speaker 5: threshold you recommend people get an attorney for personal injury?
Speaker 5: That's a weird loaded question because I have a thousand
Speaker 5: other questions on that, but go ahead.
Speaker 15: Well, I mean, it really comes down to what your
Speaker 15: tolerance is for, you know, to put up with here.
Speaker 15: I mean, as I said yesterday, I mean, if you're
Speaker 15: starting to get into your health insurance and your medpay
Speaker 15: and you're worried about coordination of benefits and all that
Speaker 15: kind of stuff, you're probably in the zone where an
Speaker 15: attorney makes good sense.
Speaker 4: Is there a dollar amount though for injuries?
Speaker 14: I don't know.
Speaker 15: I mean, you know, probably the low end of it
Speaker 15: is going to be five or six thousand dollars. You
Speaker 15: know what your typical er visit is going to be.
Speaker 15: I mean, that's where it starts to become really almost
Speaker 15: imperative that you have somebody on.
Speaker 4: Your or any kind of lingering problem.
Speaker 15: You know, if you go, you know, two weeks later,
Speaker 15: you go to your PCP and it's forty seven dollars
Speaker 15: and there's no imaging and nothing really wrong with you,
Speaker 15: then of course I don't think it makes sense to
Speaker 15: try to pursue something.
Speaker 4: Okay, and it's and by the way, what difference does
Speaker 4: it make to call because it never costs you a
Speaker 4: dime to call?
Speaker 15: Yeah, I mean, that's the easy thing, is that we
Speaker 15: can talk about your circumstances.
Speaker 14: We have people that call us all the time.
Speaker 15: Tom, some of them that are almost scared to go
Speaker 15: and get the medical care that they need because they
Speaker 15: just don't know how it works and how they're going
Speaker 15: to pay for it, and we can help them answer
Speaker 15: those questions.
Speaker 4: I want to share this real quick.
Speaker 7: When we got t boned and we hired John, you know,
Speaker 7: the accident itself, we didn't go to the er till
Speaker 7: the next day. We didn't realize Suzanne had a broken
Speaker 7: nose and all these other issues literally till the next day.
Speaker 7: It's crazy when something like that happens, you're adrenaline's up,
Speaker 7: you just have no idea what's going on with your body,
Speaker 7: and till a few hours later.
Speaker 4: And we'll talk about that.
Speaker 5: Jim with a hard money loan, I will not have
Speaker 5: a chance to answer it, but I know a lot
Speaker 5: about him.
Speaker 4: We can do that coming back, and then.
Speaker 5: Jeff has an issue with Mike Marony Honda. Maroni Honda
Speaker 5: will talk about that and more coming up on The
Speaker 5: Troubleshooter Show. Three o three seven one three talks seven
Speaker 5: one three eight two five five. Go with a sure
Speaker 5: thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Please time for an insurance check up free, no obligation
Speaker 5: in comparison, call Compass Insurance paying too much your coverage
Speaker 5: at dozens of insurance companies find out now three oh
Speaker 5: three seven to seven to one help. You'll think you're
Speaker 5: his only customer when you choose Frank durand the real
Speaker 5: estate Man dot com to list your home with Remax
Speaker 5: Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Ripped News. You need advice so you don't have to.
Speaker 1: Come running.
Speaker 3: Just as fast as we can.
Speaker 14: Shooter's gonna help, coming man.
Speaker 3: This is the Troubleshooter Show.
Speaker 4: Now Tom Martino, Hey, Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three Talk three oh three
Speaker 4: seven one three eight two five five.
Speaker 5: What's on your mind today? How can we help you.
Speaker 5: I have John Fuller with us Fuller Law, and uh,
Speaker 5: real quick, I want to just go over something with him.
Speaker 4: John. We talked about calling. You don't lose anything by calling.
Speaker 4: You don't have to.
Speaker 5: Enter into a court case, into a settlement, you don't
Speaker 5: have to enter into an agreement. I mean, I just
Speaker 5: think people don't know where to turn, and they don't
Speaker 5: understand that they can just call and literally ask anything, right.
Speaker 5: I mean, there's no charge, there's no obligation. And even
Speaker 5: if they say to you, do you get this question?
Speaker 4: John? My neck? I got whiplash and I got.
Speaker 5: Migraines now and the accident happened three weeks ago. And
Speaker 5: I'm serious Now when I say this to people, say
Speaker 5: how much is it worth?
Speaker 4: Do you ever get that?
Speaker 6: Yeah?
Speaker 14: Sometimes?
Speaker 4: I mean really or do you find most people don't answer?
Speaker 4: I mean, really, I'm asking.
Speaker 14: So here's the thing.
Speaker 15: I think most people when they call my office, they
Speaker 15: are they are frustrated. They've been lied to by an
Speaker 15: insurance company. They finally woke up and got one too
Speaker 15: many phone calls and realized the gig was up and
Speaker 15: that the other side is trying to take advantage of them,
Speaker 15: and they don't want to do that, or it's a
Speaker 15: loved one that's in a hospital and they, you know,
Speaker 15: they're scared to death of all these people that are
Speaker 15: putting words in their mouth and you know, talking all
Speaker 15: this gobbledygook about you know, whose insurance company goes first,
Speaker 15: and and everybody puts their interest first. The hospital wants
Speaker 15: to get aid, the body shop, the toe company, that
Speaker 15: I mean, every single person has their handout and it's
Speaker 15: trying to get paid first. And it's very overwhelming, especially
Speaker 15: when it's you are a loved one that's injured, and
Speaker 15: they just want the straight answers, and that's why they
Speaker 15: call us. We can help calmbat storm or take over
Speaker 15: that storm and eliminate them having to deal with any
Speaker 15: of that stuff.
Speaker 4: Okay, that's simple.
Speaker 5: I mean three oh three seven one three talk seven
Speaker 5: one three eight two five five. Let's go to the phones, Jim,
Speaker 5: talk about hard money.
Speaker 4: What do you need to know? Man?
Speaker 9: Yes, hello, I was just wondering.
Speaker 16: I'm trying to do a loan on my home, but
Speaker 16: it's a second home and it was a rental and
Speaker 16: I can't seem to borrow any money.
Speaker 9: I can't seem to get a heelock I can't seem
Speaker 9: to get a reverse. What are there any alternatives to that?
Speaker 11: Now?
Speaker 4: What what do you mean?
Speaker 5: Tell me what you want? What do you what do
Speaker 5: you want to accomplish? Let's talk about that first.
Speaker 16: I just basically would like to borrow, you know, a
Speaker 16: couple hundred thousand dollars and not worry about it till
Speaker 16: after I'm dead.
Speaker 4: That's the reverse. That's a reverse loans. There's no one
Speaker 4: person in the world that's not thinking like he just did. No,
Speaker 4: but do you have a loan on your home right now?
Speaker 9: Yeah?
Speaker 16: But it's only three and a quarter and it's and
Speaker 16: it's the second home. I cannot beat that.
Speaker 4: Yeah, hold on you.
Speaker 5: The home that you want to take the loan on
Speaker 5: is the second home? Yes, where's your primary residence.
Speaker 9: About an hour away?
Speaker 16: But I already have a hey lock against that one,
Speaker 16: so I can't borrow any money against that one at all.
Speaker 5: All I'm asking is the primary home. Why is that
Speaker 5: called your.
Speaker 4: Primary home and not the one you want to borrow against?
Speaker 9: Because I live in the primary home.
Speaker 5: Okay, Now, the primary home has equity or.
Speaker 16: Not not much, probably about okay, maybe hundred thousand.
Speaker 5: And you're not and you have no problem making that
Speaker 5: loan payment on that primary home. Correct, Okay, the second
Speaker 5: home has a mortgage on it. How much equity in
Speaker 5: the second home.
Speaker 16: I'm gonna say I owe about one hundred and eighty
Speaker 16: and it's probably worth about seven hundred and fifty to
Speaker 16: eight hundred thousand. We're talking on the Bay Area, North Bay,
Speaker 16: San Francisco.
Speaker 4: Now, how old are you?
Speaker 9: Sixty eight?
Speaker 5: Okay, you want to borrow money and not make a
Speaker 5: payment on it until you're gone, Yes.
Speaker 4: So you're willing.
Speaker 5: Okay, you can do a life estate with someone. You
Speaker 5: have to find a peer to peer investor, and they're
Speaker 5: done all the time. And what you do is what's
Speaker 5: called the life of state.
Speaker 4: If you want a relative peer investor.
Speaker 5: No, well they call it peer to peer because it's
Speaker 5: not institutionalized. It's not done by a bank, and it's
Speaker 5: not Here's what a life estate is.
Speaker 4: You find someone willing to pay.
Speaker 5: Off your first and give you a second, or pay
Speaker 5: off your first and your second, not a second, but
Speaker 5: give you equity. Just make that investment, because I don't
Speaker 5: think they're going to want to be in second position,
Speaker 5: So you can't do that. So you owe one hundred
Speaker 5: and thirty.
Speaker 4: And how much money do you need?
Speaker 5: How much money do you want in addition to the
Speaker 5: one eighty once that's paid off, how much cash do
Speaker 5: you want to get out of that house?
Speaker 9: Probably a couple hundred thousand.
Speaker 4: Okay.
Speaker 5: Now let's just say, for argument's sake, they pay the
Speaker 5: one eighty and you get three hundred. That's for eighty Okay, okay,
Speaker 5: Now four hundred and eighty thousand dollars.
Speaker 4: They invest in you, you give them the house, They
Speaker 4: give it you a life estate. What that means is
Speaker 4: you get to stay in that house the rest of
Speaker 4: your life. Nothing can make you move.
Speaker 5: But you must pay taxes and insurance or they pay it.
Speaker 4: It's it's all negotiable, a life estate.
Speaker 16: But there it's the second home.
Speaker 5: It doesn't matter, it doesn't matter. What I mean is
Speaker 5: it's all negotiable. It's a life of state, meaning it's
Speaker 5: your home until you die.
Speaker 4: Otherwise I just say, sell it, okay, because you say
Speaker 4: you don't live there, so why don't you just sell it?
Speaker 4: Let me ask you that one. Why don't you just
Speaker 4: sell it?
Speaker 9: A lot of capital games tax?
Speaker 5: Okay, good idea, good good, good answer, good answer.
Speaker 7: So let's say, wait, wait, wait, are you saying if
Speaker 7: you sold it you, even after taxes, you wouldn't put
Speaker 7: two hundred in your pocket.
Speaker 4: Of course you would, of course he would. So he's
Speaker 4: making no sense. He's making zero sense.
Speaker 5: He would easily get three hundred thousand dollars. So the
Speaker 5: life estate is useless if you don't care about the house.
Speaker 5: I see, That's why I asked, what are you trying
Speaker 5: to accomplish? What are you trying to accomplish?
Speaker 4: If you do you want, here's what I'm asking. Do
Speaker 4: you want cash and keep that house? Or are you
Speaker 4: going to not use the house? But no, no, oh
Speaker 4: that I got to ask that first.
Speaker 10: What you're the house?
Speaker 4: Okay? And what are you going to do with the
Speaker 4: house when you keep it?
Speaker 9: Well, just keep it at the second home.
Speaker 4: Okay. What are you going to do? Are you going
Speaker 4: to visit and live in it once in a while?
Speaker 11: No?
Speaker 4: Well, then then that's what I'm asking. What do you
Speaker 4: want to keep it for?
Speaker 9: My son lives there?
Speaker 5: Okay, Well see that's what Okay, so you want to
Speaker 5: keep it?
Speaker 4: Now? Your son does he have any wherewithal to get alone?
Speaker 6: Yeah?
Speaker 9: But not not.
Speaker 16: He applied for a loan, but he can maybe a
Speaker 16: couple hundred thousand and a couple hundred thousand, and the
Speaker 16: bay Era goes nowhere.
Speaker 5: No, I get what you're saying. So your son is
Speaker 5: not a candidate to do this. So after you die,
Speaker 5: if your son had to move, would he care?
Speaker 4: Would you care? Yeah?
Speaker 9: Okay, I would like to just leave him there.
Speaker 5: Well, guess what, you can't have it all. Here's what
Speaker 5: I'm getting at. Okay, here's the bottom line. If you
Speaker 5: want to tap equity. There's only three ways of doing it.
Speaker 5: Three ways.
Speaker 4: One you take out a loan okay, and then you
Speaker 4: pay the loan. Two you sell the house okay. Or
Speaker 4: three you do a life estate.
Speaker 17: Okay.
Speaker 5: Those are the only three ways. There's no magic with
Speaker 5: a life of state. When you die, the house goes
Speaker 5: to whoever granted.
Speaker 4: You the life of state and the money. Your son
Speaker 4: doesn't get to stay there. So you can't do a
Speaker 4: life estate. You want to do a loan. You don't
Speaker 4: want to do a loan. And the third one is
Speaker 4: selling it. You don't want to sell it.
Speaker 7: He wants he wants someone to give him two hundred
Speaker 7: grand and he gets to keep the house.
Speaker 4: That's what he wants. Yeah, but there's no.
Speaker 5: Let me ask you something seriously, because I know you're
Speaker 5: not stupid, Jim. I really know you're not, because you
Speaker 5: have two homes.
Speaker 4: And here's what I want.
Speaker 5: You know, no one's going to give you money for
Speaker 5: no reason. Right, obviously, right.
Speaker 9: But sore on the title that.
Speaker 4: Is called a life estate.
Speaker 5: If you want someone to hand you three hundred.
Speaker 4: Thousand plus pay off your loan.
Speaker 5: The total invested would be about whatever, four hundred and
Speaker 5: eighty thousand. For that four hundred eighty thousand, they want
Speaker 5: to own that home someday. But you're telling me when
Speaker 5: you die, you're not willing to do a life estate
Speaker 5: where the title reverts to them in full, because you
Speaker 5: want your son to stay there. And I am telling
Speaker 5: you I do not have an answer for you.
Speaker 4: Okay, you can't go ahead.
Speaker 16: I've heard of I've heard all paratures like hard money.
Speaker 16: I've heard people loaning marijuana money.
Speaker 4: But you're not giving them anything, Jim. Okay, Jim, let's
Speaker 4: play that game. Since since I'm beginning to think maybe
Speaker 4: you are a little stupid.
Speaker 5: So if somebody came to you and loaned you money
Speaker 5: like three hundred thousand, and you kept your first in place.
Speaker 4: They would have to have a second deed.
Speaker 5: Of trust on that home, right, yes, and you would
Speaker 5: don't want to make payments on it, right correct?
Speaker 4: Okay, So why would they do it?
Speaker 9: Good, good question.
Speaker 5: Why would they do it? If they're not making any
Speaker 5: money on their money? Why would they do it?
Speaker 10: You heard?
Speaker 4: You just told me that. You heard.
Speaker 5: People will loan money. It's called a hard money loan.
Speaker 5: Do you know what a hard money loan means?
Speaker 4: It means.
Speaker 5: I look at you, Jim, and I say this, Jim,
Speaker 5: how much money do you want? And you say, oh,
Speaker 5: I'd like to put two hundred thousand in my pocket. Okay,
Speaker 5: but I'm not going to do and you want to
Speaker 5: do a second on that house.
Speaker 4: Okay, guess what then, I'm going to do.
Speaker 5: I'm going to loan you two hundred thousand, and I'm
Speaker 5: going to charge you ten points. I'm going to charge
Speaker 5: you twenty percent interest compent.
Speaker 7: I'm going to have a balloon and it's all doing
Speaker 7: about two years or five.
Speaker 5: Right, that's a hard money loan. That's what you don't want.
Speaker 4: What you're taught, what you're describing about called charity. He
Speaker 4: wants charity?
Speaker 5: No, No, But what you what you really described is
Speaker 5: borrowing money and not paying it back until you're dead
Speaker 5: is called a life a state.
Speaker 4: But then your son doesn't get to live in the
Speaker 4: house anymore.
Speaker 9: All right, That's why I called to get answers.
Speaker 4: Okay, well you got answers.
Speaker 5: So there's no way to do what you want to
Speaker 5: do at this current point in your life. And be
Speaker 5: really careful because you sound like pray right now. Pray
Speaker 5: And when you talk to people, they're going to make
Speaker 5: promises to you. They're going to say, oh, yeah, Jim,
Speaker 5: we can do that. They will steal the house. Trust
Speaker 5: me when I tell you that they will steal the house.
Speaker 5: I'm Tom Martine three three seven one three eight two
Speaker 5: five five. Go with a sure thing Denver's best roofer
Speaker 5: Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Leave time for an insurance check up free no obligation
Speaker 5: comparison call Compass Insurance paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three
Speaker 5: seven seven to one help.
Speaker 4: You'll think you're his only customer.
Speaker 5: When you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: your troubleshooter three oh three seven one three talk three
Speaker 5: oh three seven one three eight two five five.
Speaker 4: Okay, let's talk, Jeff.
Speaker 5: What is going on with your Honda? What's happening in Jeff?
Speaker 8: Good defne or good morning. So my aunt has a
Speaker 8: twenty twenty Honda HRV. She was driving all wheel drive.
Speaker 8: Light came on. She's coming to visit me and my
Speaker 8: parents who are visiting. Me and my dad, we both
Speaker 8: were kind of into cars. We had a reader, so
Speaker 8: we did a S game on it. We got some
Speaker 8: codes and started looking it up. There is a service
Speaker 8: bulletin for Honda, and it gave exactly the same codes
Speaker 8: exactly what we're seeing matched up.
Speaker 4: Was it for? Was it for the CRV?
Speaker 11: Yes?
Speaker 4: Okay, what's the service bulletin called for?
Speaker 6: Uh?
Speaker 8: It is service bulletin two to three tech zero three
Speaker 8: to one, and it's regarding the rear differential pump motor.
Speaker 12: Okay, for the ETAs.
Speaker 4: Okay, So.
Speaker 8: You know, I called Honda corporate just to see because
Speaker 8: she is outside for a warranty and extended warranty. But
Speaker 8: because it was a you know, based on the bulletin
Speaker 8: says it's a machine, you know, machining defects of war.
Speaker 8: On the manufacturer side, I was wondering if they could
Speaker 8: do like a good.
Speaker 5: Will once on hold on a second service bulletins. Service
Speaker 5: bulletins are a little different than than a recall. Sometimes
Speaker 5: service bulletin it isn't It isn't a recall, it's a
Speaker 5: service bulletin.
Speaker 4: I know. That's what I said.
Speaker 5: They're different than recalls in that some service bulletins, however,
Speaker 5: will allow certain costs to be paid up to a
Speaker 5: certain mileage. Sometimes they don't do anything. How many miles
Speaker 5: were on it?
Speaker 8: She's at about eighty eight or eighty nine thousand miles.
Speaker 5: Okay, so tell me this. How much is it going
Speaker 5: to cost?
Speaker 8: Around eight and fifty five dollars I believe is what
Speaker 8: the dealer quartered there.
Speaker 4: Around eight hundred and fifty dollars. Okay, I get it.
Speaker 4: So you're trying to get.
Speaker 7: It paid for rights unless if they do a recall
Speaker 7: on it.
Speaker 4: A TSB is not going to be paid for period.
Speaker 4: I know. I don't know what a TSB is.
Speaker 7: Basically for technicians to pull up when they hear you symptom,
Speaker 7: and I get a market mark.
Speaker 5: But there have been service bulletins that are not recalls,
Speaker 5: where the manufacturer on newer cars would kick something in.
Speaker 4: I'm just saying that in this particular case.
Speaker 5: You're never gonna get covered with eighty eight thousand miles
Speaker 5: in a four five year old car.
Speaker 7: Not only that, there's probably twenty tsbs out on that.
Speaker 5: Car, and also it lasted far beyond the warranty. See,
Speaker 5: it's not like you didn't get what you paid for.
Speaker 5: I mean, and a service bulletin means they found it
Speaker 5: a problem and they fixed it.
Speaker 4: If it was in warranty, they would have paid for it.
Speaker 8: They're just it's a courtesy to a fact if that
Speaker 8: would be okay, and I could be covered after.
Speaker 4: Let me explain something.
Speaker 5: Manufacturer's defects are always covered under warranty, okay, So I
Speaker 5: just answer it is absolutely covered under warranty. But at
Speaker 5: what point is it no longer under warranty. That particular
Speaker 5: car had a warranty of what.
Speaker 8: I believe it is the uh I remember the original,
Speaker 8: but she had the extended I got it about seventy
Speaker 8: five thousand miles.
Speaker 5: Okay, So I'm not giving you a hard time here,
Speaker 5: but theoretically your theory. Your theory is, if it's a
Speaker 5: manufacturer's defect, it should always be covered.
Speaker 8: When it comes like the machining part, I would say, yes,
Speaker 8: it's a defect that you know, the preventative maintenance things
Speaker 8: like that wouldn't have avoided.
Speaker 9: Based on what I was reading.
Speaker 4: Jeff, let me explain something.
Speaker 5: The reason there are warranties are for manufacturer's defects. That
Speaker 5: is why there are warranties period. But the warranties have
Speaker 5: a life limit. What they're saying, if you buy this car,
Speaker 5: we're guaranteeing against factory defects and catastrophic failure for a
Speaker 5: certain amount of time. After that, we feel you've gotten
Speaker 5: the life limit from this product, and therefore you will
Speaker 5: have to bear some responsibility. They're not saying that because
Speaker 5: it was machined by us, it's.
Speaker 4: Going to be warranted forever.
Speaker 5: Okay, So let's say that that bad machined part lasted
Speaker 5: twenty years and then it broke down and you got
Speaker 5: some poor sap who paid fifteen hundred dollars for this car,
Speaker 5: and it's going to cost him eight hundred and fifty
Speaker 5: to get it fixed and he can't afford it. Certainly,
Speaker 5: you're not saying they should cover it because it was
Speaker 5: a factory defect, or are you saying it because if
Speaker 5: that was the case.
Speaker 4: None of us could afford to own a car.
Speaker 5: Ever, and again, I'm not trying to argue with you
Speaker 5: and make you look stupid because I know what you're thinking.
Speaker 5: Everyone thinks the same thing. Well, Tom, it was like
Speaker 5: this from the beginning. We had no power over it.
Speaker 4: That's true, and that is why there are warranties. But
Speaker 4: the reason there are limits on warranties is to make
Speaker 4: things affordable. So the eight point fifty, if this car
Speaker 4: has eighty eight thousand miles and it's five years old,
Speaker 4: that's not an unreasonable repair, even if it was a
Speaker 4: factory defect. I think I've made my point, and well again, but.
Speaker 7: One last thing. Bring it over to share it in
Speaker 7: auto tech. You'll probably get it done for half that. Yeah,
Speaker 7: if that's what the dealer is telling you. By the way,
Speaker 7: you probably will get it done way cheaper. What is
Speaker 7: the actual part, by the way, did you say what
Speaker 7: that was, Jeff?
Speaker 8: It's the rear differential motor that needs to be replaced.
Speaker 5: We should actually get a price on that for you,
Speaker 5: the rear disc And this is.
Speaker 8: Gonna do was uh talk to the service and anger
Speaker 8: and see if that's the part that can be bought
Speaker 8: from the dealership or elsewhere, and see how much.
Speaker 4: That would be, you know what.
Speaker 5: Let's let's call Kevin. I want to call him and
Speaker 5: ask him for the hell of it.
Speaker 4: Uh if he can look that up and what that
Speaker 4: would cost at his shop.
Speaker 5: It might be he can't beat the price. I don't know,
Speaker 5: but let's just give it a shot. Since you're on
Speaker 5: the air and you waited to be talked to. Let's
Speaker 5: call Kaschina. Let's call Kevin uh calkin over at Sheridan
Speaker 5: Auto Tech three oh three seven one three Talk our
Speaker 5: guests today, John Fuller, Personal Injuriesco dot com.
Speaker 4: We have more coming up on the Troubleshooter show.
Speaker 5: Go with a sure Thing Denver's Best Roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real Estate Man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino
Speaker 5: here three oh three seven one three talk seven one
Speaker 5: three eight two five five. Kevin Colkin is with Sheridan
Speaker 5: Autotech dot com and.
Speaker 4: We love referring people to Sheridan.
Speaker 5: Hey, so, Kevin, Jeff's mom bought a Honda eighty eight
Speaker 5: thousand miles. He's a little upset because there's a factory
Speaker 5: defect and it's a service bulletin, and of course they're
Speaker 5: no longer under warranty, so it's gonna cost, according to
Speaker 5: the dealer, about eight hundred and fifty bucks. And I'm
Speaker 5: wondering if you could give an estimate on a twenty
Speaker 5: twenty Honda CRV for the rear differential pump motor.
Speaker 4: I think is that what it is? Jeff correct, the.
Speaker 8: Rear differential pump motor on a twenty HRV.
Speaker 4: HRV. I'm sorry HRV Okay.
Speaker 18: Okay, that's gonna take me a few minutes of.
Speaker 5: Place, Okay, So we'll put you on hold. That's that's great, Kevin.
Speaker 5: I appreciate that. So we'll just get an idea and
Speaker 5: compare that with a dealer, Jeff. So hang on now, Kevin, Hi, Kevin,
Speaker 5: what's going on with you?
Speaker 4: Kevin?
Speaker 11: Hi? Tom.
Speaker 9: I'm this is Kevin.
Speaker 19: I've got a driveway, concrete driveway problem.
Speaker 4: Now.
Speaker 5: Was this a new driveway, Kevin? Tell me about your driveway?
Speaker 9: Sure, the driveway was.
Speaker 19: The concrete driveway was foured about fourteen months ago, in
Speaker 19: June of twenty twenty three.
Speaker 11: We have.
Speaker 19: Now, just like a little more than a year later,
Speaker 19: we've got spalling occurring on several of the panels. I
Speaker 19: had been looking for options to perhaps retreat or seal
Speaker 19: to stop the spalling.
Speaker 5: Hey, did you get any let me ask you this.
Speaker 5: Did you get any kind of a warranty on this?
Speaker 19: There was a one year warranty, which has obviously since passed.
Speaker 19: I did have the contractor. Elite Contracting is a contractor.
Speaker 19: He came out about two weeks ago, just because I
Speaker 19: had called him to look at it, and he said,
Speaker 19: the spawling is actually normal, well, stuff that comes off
Speaker 19: of the road.
Speaker 5: Hold on, hold on, it's not normal. It can happen
Speaker 5: from madchloride.
Speaker 4: But if it's done properly, the concrete, it normally doesn't happen.
Speaker 5: Right, not so soon, Let's put it this way, not
Speaker 5: so soon. Now we have Elite, it's not the same company.
Speaker 5: You're talking about, Elite garage floors on a referral list
Speaker 5: and on the.
Speaker 4: Show, and he can fix that.
Speaker 5: What he does is sprays all of that, not sprays,
Speaker 5: but cleans all of that off, pressure washes it off,
Speaker 5: and beat and blasts it.
Speaker 4: I think it's a bead blast, whatever it is. He
Speaker 4: gets rid of all the soft crap.
Speaker 5: On top that's about to spall or that has already spalled,
Speaker 5: and then what he ends up with is some exposed aggregate,
Speaker 5: and in some areas the finish is still good. Then
Speaker 5: he fills it with a polymer that adheres, and then
Speaker 5: he grinds it all even and puts a coating on it,
Speaker 5: and it looks beautiful. But it's going to cost you know,
Speaker 5: it's not going to be outrageous, but it's going to
Speaker 5: be way cheaper than if you had to jackhammer that
Speaker 5: all out and redo it.
Speaker 19: Sure, And one of the things that was considering was
Speaker 19: after talking with Bob at l EM it sounded like
Speaker 19: it might be worth something pursuing, you know, on a
Speaker 19: legal basis, to whine and why because it had rained
Speaker 19: a tremendous amount. You know, it was forecasts and when
Speaker 19: they came in laid the did the first poor it
Speaker 19: rained late in the afternoon a whole lot. Okay, Bob
Speaker 19: was believing that, you know, there was too much water
Speaker 19: involved in the concrete.
Speaker 4: Well, it could be. It could be so, so let's
Speaker 4: I mean, it very well could be.
Speaker 5: So let's say it is. Okay, is this elite contractor
Speaker 5: worth going after? Does he have a lot of money?
Speaker 4: Do you think?
Speaker 10: I don't know if there's a lot of money.
Speaker 11: We certainly spent a lot of money to make.
Speaker 4: The How much did you spend? How much did you spend?
Speaker 19: Forty six thousand?
Speaker 5: That's a lot of money. Now listen, I'm going to
Speaker 5: tell you how much. How many square feet are we
Speaker 5: talking about?
Speaker 4: About?
Speaker 9: Thirty seven hundred?
Speaker 4: Okay, Now, to get this done properly, it's going to
Speaker 4: cost you. And to go after them, it's going to
Speaker 4: cost you.
Speaker 5: I really believe. Now Elite could just go bankrupt as well.
Speaker 5: I mean, if you got a big award, do you
Speaker 5: think they can afford to redo it.
Speaker 4: Are they willing to redo it? Did you ask him?
Speaker 19: I'm certain he would not be willing to redo it.
Speaker 19: He said that again when he was out here two
Speaker 19: weeks ago.
Speaker 9: He said, that's normal, you know.
Speaker 4: So, no, okay, it's not normal.
Speaker 5: Depending on how bad it is, it'll cost you anywhere
Speaker 5: from fifteen to twenty five thousand to fix. With a
Speaker 5: perfect finish, it'll be better than the original. It'll look beautiful,
Speaker 5: but it's going to cost you every bit. You're not
Speaker 5: going to go to court at for less than fifteen
Speaker 5: or twenty grand.
Speaker 4: You're just not going to.
Speaker 5: So if you went to court for fifteen or twenty
Speaker 5: and one forty, do the math man, You do whatever
Speaker 5: you want. I mean, l EM's probably right. There's probably
Speaker 5: was a little ineptitude. But was it fraud? Was it actionable?
Speaker 5: John Fuller? Are things like that.
Speaker 4: Is incompetence actionable?
Speaker 5: Let's say, for argument's sake, this guy did the driveway
Speaker 5: and it rained and he didn't properly cover it, or
Speaker 5: there was too much water in the.
Speaker 4: Mix, and that's exactly what happened. Too much water caused
Speaker 4: it to spawl because that's what usually happens.
Speaker 5: So what happens then? I mean, does he say that's
Speaker 5: not our fault?
Speaker 15: You can say that, But here's the thing. I mean,
Speaker 15: that's kind of the textbook definition of negligence. Okay, you know,
Speaker 15: the failure to do what a reasonable person in that
Speaker 15: same or similar circumstances would win.
Speaker 14: He could win, but.
Speaker 4: Does he get attorney's face.
Speaker 14: He most likely will not.
Speaker 15: Yeah, and unless the contract term specifies at the prevailing
Speaker 15: already gets fees. The general rule is no, each side
Speaker 15: pays their own fees. So I mean, you can win,
Speaker 15: but not really win, is the bottom line.
Speaker 4: You may, Kevin, you may want to try something in
Speaker 4: small claims court against the guy for seventy five hundred
Speaker 4: and just claim that it's toward the total damages. Get
Speaker 4: it written.
Speaker 5: Written estimate from Tony over at ELITEGF dot com, Elite
Speaker 5: garage floors. Get a written estimate and say this is
Speaker 5: what it's going to take to these are the words
Speaker 5: you use to mitigate my damages, because to do it
Speaker 5: over would be even more than that. Like you said,
Speaker 5: like if you spent forty something thousand to begin with
Speaker 5: forty four grand or whatever, and they got to tear
Speaker 5: it all out. It's going to cost you sixty thousand
Speaker 5: to redo it. So let's just say it's going to
Speaker 5: cost twenty fifteen or twenty to fix said, and you
Speaker 5: sue him for seventy five hundred because you want at
Speaker 5: least something. You might win, but if you go to court,
Speaker 5: you probably could win. Maybe, but then you got a
Speaker 5: couple problems.
Speaker 4: More than a couple, you got three problems.
Speaker 5: He could do bankruptcy, he could simply not pay you
Speaker 5: and then you spend your life chasing it. And three
Speaker 5: you could end up paying enormous attorney's fees.
Speaker 15: Right, I'd be more worried about that bankruptcy option, Yeah.
Speaker 5: Because unless it's fraud, and it's not fraud in my opinion,
Speaker 5: I mean, the guy did the work, he just was stupid.
Speaker 5: Then you're looking at this guy. I mean, if he
Speaker 5: ever got a judgment against him for forty four grand,
Speaker 5: unless he's some giant company like you know, Sundown Landscaping,
Speaker 5: These big giant companies or whatever they're called Sundown or whatever,
Speaker 5: you're gonna get, you're gonna get somebody doing a BK.
Speaker 5: So you got to really be judicious when people think
Speaker 5: because they're right, that's all they need to be. But unfortunately,
Speaker 5: there's a lot more to it than being right. I'm
Speaker 5: in John, I'll bet you in personal injury cases there
Speaker 5: are people that are right and deserve I'll bet you
Speaker 5: there's nothing more heartbreaking. And thanks for calling, by the way, Kevin,
Speaker 5: And really I would call ELITEGF dot com, Elite Garage Doors.
Speaker 5: Let me, did I give you that number? Let me
Speaker 5: give it to you. It's seven to zero nine three
Speaker 5: nine two four four eight ELITEGF dot com. John, I'll
Speaker 5: bet you there's nothing more heartbreaking than having a client
Speaker 5: that that probably would be worth millions in damages and
Speaker 5: there's nowhere to go for money.
Speaker 4: Isn't that just a fact of life?
Speaker 6: Sometime?
Speaker 14: We deal with that every day time?
Speaker 15: God, you know we Unfortunately we live in a state
Speaker 15: where the minimal limits that you're required to have are
Speaker 15: only twenty five thousand, and when that law was put
Speaker 15: into effect, twenty five thousand, with a lot more money
Speaker 15: than it is today.
Speaker 4: Oh well, what happens then? What happens truly if you
Speaker 4: prove five hundred thousand damages or a million and they
Speaker 4: don't have the insurance, and you know, damn well, they're
Speaker 4: never going to have the money. What happens, nothing, nothing,
Speaker 4: It's worth exactly what that same judgment was that you
Speaker 4: just talked about.
Speaker 15: For that, for that caller, I mean absent some egregious
Speaker 15: conduct that would make it non dischargeable. Okay, like they
Speaker 15: were drunk or something like whatever. You know, absent something
Speaker 15: like that. And even with that, you're never going to
Speaker 15: get paid.
Speaker 4: I mean the.
Speaker 14: Bottom of paper.
Speaker 4: That's right.
Speaker 14: They didn't do anything for you.
Speaker 15: So that's why a heart people are like John, why
Speaker 15: do you always talk.
Speaker 14: About this church or motorists over and over and over.
Speaker 4: All you do is selling Christ protecting yourself.
Speaker 15: It's because it's the only way you can protect yourself.
Speaker 15: Because I've had hundreds and hundreds of clients that have
Speaker 15: sat down and said, wow, we really have great insurance.
Speaker 15: I've got an umbrella and we got millions, and you
Speaker 15: look at their insurance and they've got just that, but
Speaker 15: nothing out of them, but nothing for themselves. And so
Speaker 15: when they get hit by an uninsured motorist or you
Speaker 15: know some guy that's got twenty five grand, and that's it.
Speaker 15: That's the only set that person has in the world.
Speaker 4: You have to ensure not only your liability to others,
Speaker 4: but others liability to you. Yes, exactly the in the
Speaker 4: event they're losers. More coming right up, Go with a
Speaker 4: sure thing Denver's best roofer Excel Roofing dot com. You
Speaker 4: don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three O three seven seven
Speaker 5: to one.
Speaker 4: Help. You'll think you're his only customer when you choose
Speaker 4: Frank durand the real estate Man dot com to list
Speaker 4: your home with Remax Alliance three oh three nine two
Speaker 4: zero sixteen twenty two.
Speaker 5: Hi Tom Martino, you're good all three seven one three
Speaker 5: tok all right, So, Kevin Caulkin, do you have a
Speaker 5: price on what that rear differential motor would be for
Speaker 5: Jeff's mom?
Speaker 18: Yeah, that the eight hundred dollars price is not a bad.
Speaker 11: Price at all. Okay, it's not a lot of labor.
Speaker 18: But the motor itself is about five six hundred dollars.
Speaker 5: Okay, So therefore that dealer was not raking them over
Speaker 5: the coals for.
Speaker 4: Eight fifty No, not at all, Not at all, Jeff.
Speaker 4: At least you know that, right.
Speaker 5: I mean, there's not much we can do about getting
Speaker 5: it paid for. But it's not exorbitant. You're not going
Speaker 5: to save much money elsewhere.
Speaker 8: Not unless you know.
Speaker 4: It's too bad.
Speaker 5: But man, you know, hey, listen, the car lasts at
Speaker 5: eighty eight thousand miles five years.
Speaker 4: You got there's maintenance free car.
Speaker 5: I wish I had better news for but I doubt
Speaker 5: you get any. Kevin, have you ever heard of manufacturers
Speaker 5: paying for a service bulletin?
Speaker 9: No?
Speaker 11: No, It's just just a helpful guide, is all it
Speaker 11: really is.
Speaker 5: Shared an auto tech dot com. Thank you, Kevin shared
Speaker 5: an autotech dot com including pre buy inspections by the
Speaker 5: way for used cars at one hundred twenty bucks three
Speaker 5: oh three, four five five seventy two forty two. I'm
Speaker 5: Tom Martino along with John Fuller Personal injuryco dot com.
Speaker 4: More coming up on the show.
Speaker 5: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content
Speaker 5: time for an insurance check up free, no obligation. Could
Speaker 5: comparison call Compass insurance paying too much your coverage at
Speaker 5: dozens of insurance companies. Find out now three all three
Speaker 5: seven seven one help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot Com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty.
Speaker 1: Two rips need advice, so.
Speaker 20: You don't have.
Speaker 1: Come running as fast as we can show Shooter's gonna help.
Speaker 3: Come Man six is the Troubleshooter Show.
Speaker 4: Now, Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 5: Off your streaming, you'll see the handsome gentleman to my right,
Speaker 5: and that's John Fuller.
Speaker 4: And then we have.
Speaker 5: Me, of course, and we have Mark I think is
Speaker 5: in parts unknown he's on, and and uh is Mark
Speaker 5: still on three oh three seven one three Talk seven
Speaker 5: one three eight two five five whatever. We're doing our show,
Speaker 5: solving problems, answering questions, taking complaints. We have open lines
Speaker 5: for the first time this morning at three O three
Speaker 5: seven one three Talk three oh three seven one three eight.
Speaker 4: Two five five.
Speaker 5: But I'm kind of happy about that because I have
Speaker 5: a lot to talk about.
Speaker 4: Not not really happy.
Speaker 5: If you call, your calls take priority, you'll get right in. Okay,
Speaker 5: three oh three seven one three talk, or you can
Speaker 5: call three oh three Martino three O three six two
Speaker 5: seven eight four six six. This hour brought to you
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Speaker 5: five five four waterpros dot net. Now let's talk about
Speaker 5: something that I've wanted to talk about, and it has
Speaker 5: to do with.
Speaker 4: It really has to do with.
Speaker 5: The It's not politics, but it has to do a
Speaker 5: little bit with what people are throwing around with politics. Again,
Speaker 5: nothing to do with politics itself, but you hear a
Speaker 5: lot of people calling each other names, right, fascists. Now,
Speaker 5: fascism is something that you hear being called of Trump
Speaker 5: and his ilk and you hear either communism, communist or
Speaker 5: socialist being bantered about for Kamala or the gang. And
Speaker 5: what I've always found shocking to me is how all
Speaker 5: of this information with the Internet is just out there,
Speaker 5: all of it, all of it is out there for
Speaker 5: you to look at as to what it is. Yet
Speaker 5: no one seems to just be a like Project twenty
Speaker 5: twenty five. Everyone talks about stuff, but who actually who actually.
Speaker 4: Looks it up? Who actually reads it? Have you ever
Speaker 4: read the Communist Manifesto? John, have you ever read it?
Speaker 5: No, seriously, I've read the entire Communist Manifesto.
Speaker 4: There are also some socialists. Now there's nothing.
Speaker 5: Called the socialist Manifesto, but there have been many documents
Speaker 5: that have been claimed by socialists to be kind of
Speaker 5: like their manifesto. And what's amazing about it is how
Speaker 5: much it You know, how much people get wrong about
Speaker 5: communism and socialism. First of all, they're not even close
Speaker 5: to being the same, not even close, and the same
Speaker 5: with fascism.
Speaker 4: So the bottom line is I went out and looked at.
Speaker 5: All of this and thought, why the Democrats, by the way,
Speaker 5: don't come close. They don't come close to resembling communism.
Speaker 4: Not close, not even one little bit.
Speaker 5: Now, I'm not saying I love what Democrats stand for,
Speaker 5: but they don't come close.
Speaker 4: And the Republicans are not even close to the fascism.
Speaker 5: Now, the reason Republicans are associated with fascism and the
Speaker 5: reason that Democrats are associated with communism, there might be
Speaker 5: reasons they give, but Communism was truly more even though
Speaker 5: they were against religion, was more.
Speaker 4: Of a faith based philosophy than political.
Speaker 5: In fact, Communism fought there should be no government. Did
Speaker 5: you know that there should be no government, There should
Speaker 5: be no ruling class. It should be run by workers
Speaker 5: with committees and no real government. No states, no borders,
Speaker 5: no classes, a classless stateless society, and communal ownership communal,
Speaker 5: not government, communal. That's truly the communist manifesto.
Speaker 4: So when they talk about.
Speaker 5: The communist system, they thought that once you did away
Speaker 5: with class and once everyone had access to everything they needed,
Speaker 5: it was such a flawed philosophy because they don't take
Speaker 5: into consideration human nature. But they say, the reason human
Speaker 5: nature is greedy and selfish is because of the classes
Speaker 5: in society.
Speaker 4: That makes people like that. It takes advantage of the worker,
Speaker 4: and then the bourgeoisie or the upper class.
Speaker 5: Now the bourgeoisie actually stand for middle class, but the
Speaker 5: strong middle class who profits from working class. They say
Speaker 5: that the working class are proletariat. They are the ones
Speaker 5: who are doing all the production, but the profits are
Speaker 5: made by the class above them.
Speaker 4: And the classes make people greedy.
Speaker 5: And the working class strives to be above what they are,
Speaker 5: and bourgeoisie they want.
Speaker 4: To be even higher than they are.
Speaker 5: And it's all this class struggle that cat And if
Speaker 5: you take away the class struggle, and if everybody is
Speaker 5: given what they need, each according to their needs, then
Speaker 5: they would be able to You would do away with greed,
Speaker 5: you would do away with capitalism, you would do away
Speaker 5: with a need for profit, You would do away with
Speaker 5: all of these evil.
Speaker 4: Desires, and mankind would strive. It would never happen ever, ever, ever.
Speaker 4: But that is the belief, that is truly the belief.
Speaker 5: Karl Marx was a very spiritual and philosophical person. Did
Speaker 5: not believe in God at all, but believed in man
Speaker 5: and that inherently, if you took away the state and
Speaker 5: the patriotism, and you took away money, and you took
Speaker 5: away the need for profit and everyone could get everything
Speaker 5: they needed and everything was communal, then you would do
Speaker 5: away with this terrible society. And that's communism.
Speaker 4: It's more truly hippie than anything I've ever seen or
Speaker 4: hurt socialism. I think if you had to pick something closer.
Speaker 5: To the Democratic Party, it would be socialism. And in fact,
Speaker 5: many of them admit to it. They say they're democratic socialists.
Speaker 4: Socialism believes in government.
Speaker 5: Communism believes in no government none. They want no states
Speaker 5: and no government. They want committees of people of working
Speaker 5: class people. Socialism actually believes that the government should control
Speaker 5: the means of production, not the working class. But then
Speaker 5: everyone is you distribute the assets through the government, and
Speaker 5: that you give equal outcomes to your people, and everyone
Speaker 5: will support the government because of it, and the government
Speaker 5: stands for the good of all and that everyone has
Speaker 5: equal access and that everyone has the.
Speaker 4: Same incomes and the same properties.
Speaker 5: And if you produce more in socialis it's because you.
Speaker 4: Can do more, but you don't keep more and the people.
Speaker 4: This is socialism.
Speaker 5: Now, Socialism wants a strong government. In fact, they want
Speaker 5: a strong central government, not strong state government. And they
Speaker 5: want the government to promote the means of wealth for everyone.
Speaker 5: That's socialism.
Speaker 4: Fascism believes that the corporate structure and the power is
Speaker 4: in the corporate structure and keeping the economy strong, and
Speaker 4: that the government should rule with kind of like corporations.
Speaker 4: I mean, if you had to really dumb it down.
Speaker 5: Okay, So the other thing we haven't talked about, I
Speaker 5: mean we didn't talk about capitalism, which is an economic system.
Speaker 5: And by the way, they're all kind of economic systems
Speaker 5: rather than governmental systems. That's why you can have a
Speaker 5: socialist dictator, you can have a socialist democracy.
Speaker 4: And you've heard AOC and her Elk.
Speaker 5: Saying there and Sanders saying that they're socialist democrats, meaning
Speaker 5: they want people to vote, but they want them to
Speaker 5: vote for a government that will implement socialistic procedures and policies.
Speaker 5: Whereas in Russia, let's say, or China, they they want
Speaker 5: they have dictators, well they don't call them dictators, but
Speaker 5: they have a strong state or party that promotes it's communism.
Speaker 5: But communism in Russia doesn't resemble Marxism at all, not
Speaker 5: even close.
Speaker 4: Or in or in China. But as far as fascism,
Speaker 4: fascism is where they believe the corporate structure will create
Speaker 4: the wealth and that will trickle down a bit, but
Speaker 4: it's really stronger then it's not a lot of people
Speaker 4: mistake it for capitalism. It's not capitalism, of course, believes
Speaker 4: supply and de man will rule. People will fundamentally strive
Speaker 4: for what they're rewarded for, and the better they do,
Speaker 4: the better they should get, and that will keep people
Speaker 4: striving for the best.
Speaker 5: And those who don't produce, you take care of those
Speaker 5: who are sick and confirmed. But basically, if you don't work,
Speaker 5: you don't eat. I mean truly, and they don't mean
Speaker 5: it like somebody stars. But capitalism is probably the most
Speaker 5: basic human tendencies.
Speaker 4: But Mark said, no, it's not. It's just because capitalism
Speaker 4: took a foothold, and that is why everyone recognizes by
Speaker 4: the way that capitalism.
Speaker 5: Was in and of itself, the natural way. But Marx
Speaker 5: argued that it was the natural way because people exploited
Speaker 5: the working class, and that's why it became the natural way.
Speaker 5: It's not really the natural way that you instilled in
Speaker 5: the working man this desire to be better and to
Speaker 5: profit because you have profited and exploited them. So everyone's
Speaker 5: trying to just exploit each other, and that's why capitalism thrives,
Speaker 5: whereas if if you took away all of that, communism
Speaker 5: would be the way. Isn't that weird? But do you
Speaker 5: see that anywhere in America? I see a little bit
Speaker 5: of socialism with socialism democracy, and I see a little
Speaker 5: bit of fascism.
Speaker 4: And please don't think I don't mean this.
Speaker 5: In a I don't when I say I see traits
Speaker 5: of fascism in a strong capitalistic philosophy. But I don't
Speaker 5: mean that like the fascism of the past that created
Speaker 5: wars and poverty.
Speaker 4: I'm not talking about that.
Speaker 5: I'm just saying that you can see where they got
Speaker 5: the idea, you know what I'm saying where they got it.
Speaker 5: But it's truly in American politics, we truly don't have communism,
Speaker 5: nor fascism, nor true socialism. We don't don't, if anything,
Speaker 5: though our government. If you look at social security, that's
Speaker 5: a part that is probably a socialistic kind of atmosphere
Speaker 5: because there is no better or worse in social security.
Speaker 4: Everyone gets the same. But what were you going to say, John, how.
Speaker 14: Much time do we have?
Speaker 4: No?
Speaker 5: I know I'm not you realize I'm not sitting here
Speaker 5: pushing in philosophy. I'm just saying that we we banter
Speaker 5: these terms around all the time, all the time.
Speaker 14: No, we really don't, Okay, because I just hold on
Speaker 14: just a second.
Speaker 15: Nine intents of the people that are using those words
Speaker 15: don't have the first clue what the heck they need.
Speaker 4: That's the point I was making.
Speaker 15: So No, the point is, you just gave a very
Speaker 15: eloquent discussion of the differences between all these and who
Speaker 15: cares It only depends on whether you're trying to accuse
Speaker 15: somebody of being bad or you're trying to tell them
Speaker 15: why your side is better. And so that's really what
Speaker 15: it comes down to. All Republicans are, oh, there, fascist
Speaker 15: and then whatever. They don't know what the hell of
Speaker 15: fascist is. They don't know what that means. All they
Speaker 15: know is it sounds bad and they heard somebody say it,
Speaker 15: and by god, we better just stick with it because
Speaker 15: that's something that means that they're terrible, so you better
Speaker 15: call them back. And then you've got Bernie, and who
Speaker 15: the heck knows what Bernie wants to do? That's you know,
Speaker 15: that guy is almost as bad as Joe Biden is.
Speaker 15: But the fundamental difference in the two sides is the
Speaker 15: definition of the role of government.
Speaker 4: In your life. That's right.
Speaker 14: That really is what it comes down to.
Speaker 15: If you inherently believe the job of government is to
Speaker 15: take care of you and provide for you, you tend
Speaker 15: to fall more on the left side of the spectrum.
Speaker 15: If you think the job of the government is to
Speaker 15: stay the hell out of your way and let you
Speaker 15: provide for yourself, you tend to fall on the right
Speaker 15: side of the spectrum.
Speaker 14: And that's really all.
Speaker 15: It comes down to a little middle ground where we
Speaker 15: find some overlapping stuff. We can disagree about that, but
Speaker 15: fundamentally the two both sides haven't really deviated in one
Speaker 15: hundred years.
Speaker 5: And I don't know why government gets involved in the
Speaker 5: social aspects of life at all because it sells.
Speaker 4: Yeah, that's it. You're right, You're right, because it's a.
Speaker 15: Way to get people riled on arms and riled up
Speaker 15: and motivated and crazy.
Speaker 4: John.
Speaker 5: I'm going to answer after the break, but I want
Speaker 5: to get started with you. What's going on with your hoa?
Speaker 4: John?
Speaker 11: Hi?
Speaker 21: Tom, Hey, we had a patio cover we had previously
Speaker 21: gone ten years ago. It was destroyed in a hailstorm.
Speaker 21: We put up a new one of semi material, and
Speaker 21: now our HOA is saying they don't know why the
Speaker 21: original one was approved and this new one won't be.
Speaker 5: When you did the new one, though, did you go
Speaker 5: through the process or just replace what you had?
Speaker 21: We just replaced what we had, and I will admit
Speaker 21: it is different the old one.
Speaker 11: It's the roofing material of it that is in dispute.
Speaker 5: And Okay, so if it was exactly here's what I'm
Speaker 5: asking John, if it was exactly the same, would they
Speaker 5: have bothered you at all?
Speaker 21: I guess I can't answer that because we did have
Speaker 21: a personal meeting with the HOA board and one of
Speaker 21: the members that I noticed your patio cover did change.
Speaker 5: Ohkay, hold on, we'll come right back with this and
Speaker 5: more coming up. Three oh three seven one, three eight,
Speaker 5: two five five or three oh three Martino, Go with
Speaker 5: a sure thing Denver's Best Roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance checkup, free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen.
Speaker 4: Twe to.
Speaker 5: Hi, Tom Martino, you're a troubleshooter. What happens when you'd
Speaker 5: replace something but it's a tiny bit different. Well, Ha's
Speaker 5: will take every opportunity to nit pick stuff.
Speaker 4: Man.
Speaker 5: They they have laws for a reason, and their covenants
Speaker 5: more than laws, is what I mean. Their their internal laws.
Speaker 5: And here's the deal. Huas do this for a reason.
Speaker 5: They don't want to show precedent to others. So technically,
Speaker 5: if your house needs to be repainted and you want
Speaker 5: to repaint it the same exact color, technically you're still supposed.
Speaker 4: To run it by Hay's and many covenants. In John's situation,
Speaker 4: it was it was a patio cover that he put up,
Speaker 4: and he said it was the same, but not.
Speaker 5: How much did it differ? Did it differ in color?
Speaker 21: So let me change the termined phraseology because this is important.
Speaker 21: I think to it, it's a gazebo and we bought
Speaker 21: the gazebe just see Tosco there theedar and they have
Speaker 21: a metal roots.
Speaker 4: Got it?
Speaker 11: So, yeah, the base structure changed.
Speaker 21: It was a metal structure before and now it's a
Speaker 21: wood seedar, which the rules of regulations say the structure
Speaker 21: must be wood.
Speaker 5: Now wait a minute, the gazebo is self changed or
Speaker 5: the cover.
Speaker 11: The gazebo.
Speaker 4: Okay.
Speaker 5: So your entire gazebo was it hurt by a storm?
Speaker 11: Yes, it was damaged.
Speaker 21: The roof was damaged by a hailstorm and in surch Okay.
Speaker 5: So when you rebuilt it, a gazebo usually has you know,
Speaker 5: a structure, poles, and a roof, right, correct. Did the
Speaker 5: entire structure, the deck part of it get replaced?
Speaker 11: No? Oh yeah, all of it's been replaced.
Speaker 4: In all of it. Okay, got it? And it used
Speaker 4: to be metal?
Speaker 11: Yes?
Speaker 4: And now what kind of wood is it?
Speaker 11: It's cedar?
Speaker 5: Okay, Okay, now continue now I understand, go ahead.
Speaker 11: Okay.
Speaker 21: So our argument isn't whether we should have gotten approval
Speaker 21: for the new one. It's why they won't approve the
Speaker 21: new one.
Speaker 5: Well okay, So in other words, you did go through
Speaker 5: the process and they would not approve it, or you're
Speaker 5: looking for approval after.
Speaker 21: It's done, looking for approval after.
Speaker 4: Got it okay? Go ahead.
Speaker 21: So there's two sections in our growthen regulations that pertain
Speaker 21: or may pertain. There's one on storage sheds and ancillary structures.
Speaker 21: In that paragraph they name six structures. They do not
Speaker 21: mention the gazebo. It does end with an et, and
Speaker 21: that says the roof material of these structures must match
Speaker 21: the house roof of the house.
Speaker 11: Right, we have a ship roof.
Speaker 4: And what kind of roof? Wait, what kind of roof
Speaker 4: do you have?
Speaker 11: Shingle?
Speaker 4: Okay? And what kind of roof? Does this have? A
Speaker 4: metal roof or what? Or a wood or seed or
Speaker 4: what does it have?
Speaker 14: Now?
Speaker 11: The roof of the gazebo roof is metal, okay?
Speaker 4: Got it okay?
Speaker 11: Okay?
Speaker 21: And then there's a separate section that says decks and
Speaker 21: gazebos so and that section says the structure must be wood,
Speaker 21: but it does not mention the roof material. So we
Speaker 21: are maintaining that section supersedes any applications to ancillary structures
Speaker 21: because it has its own section.
Speaker 4: Okay. So the section about decks and gazebos specifically mention
Speaker 4: that they should be made of would the structures would okay?
Speaker 4: Which is which you comply. And then but decks and gazebos, well,
Speaker 4: most gazebos have roofs, most decks don't. But what it's
Speaker 4: not uncommon to address roofing separately from decks and gazebos
Speaker 4: and outbuildings. You could have a whole section on outbuildings,
Speaker 4: but the roof part of its I don't get and
Speaker 4: I'm only hearing you, and I don't get where you
Speaker 4: think you're right. Because if it says that ancillary buildings,
Speaker 4: et cetera need to match the house's roof, why do
Speaker 4: you feel that the part about gazebos and decks, when
Speaker 4: they talk about the structure being would allows you not
Speaker 4: to match the roof. Are you saying because they don't
Speaker 4: mention a roof, any roof will do.
Speaker 11: Right?
Speaker 4: So I was saying, maybe, well, no, no, but but
Speaker 4: that's what you're you're you're that's what you're saying. I
Speaker 4: want to make that clear.
Speaker 5: So you're saying, because the section about decks and gazebos
Speaker 5: do not mention roofs.
Speaker 4: Any roof will do correct.
Speaker 5: Well, what if you wanted to do your roof in
Speaker 5: some ridiculous grass thatch?
Speaker 4: Would that do.
Speaker 11: I guess I might argument yes.
Speaker 5: Okay, and I guess you would be wrong because what
Speaker 5: I'm saying is roofing is addressed for ancillary buildings and structures.
Speaker 21: And a gazebo would be considered an answer answer or
Speaker 21: the structure.
Speaker 5: Well, what do you think? I mean, what else would
Speaker 5: it be? I mean, I'm not look at I'm not
Speaker 5: gonna call your h o, Wayne said. I think John's
Speaker 5: all wet. But but I do think you're you're barking
Speaker 5: up the wrong treemare bro. I mean, do they just
Speaker 5: want you to change your roof? Yeah, it's not going
Speaker 5: to be that difficult, is it?
Speaker 11: I cost a couple thousand dollars? Maybe?
Speaker 4: Well? How big is how big is that? Uh? Gazebo?
Speaker 11: It's twelve by sixteen?
Speaker 4: Oh wow?
Speaker 5: So to put a roof on that? Can't you put
Speaker 5: Can you put the shingles right over the middle?
Speaker 11: That's what I hope.
Speaker 21: But I don't know, I mean, and I don't know
Speaker 21: whether you have anybody or OK.
Speaker 4: Yeah, let's call let's call Excel Roofing right now.
Speaker 21: Can you liquid nails shingles onto me?
Speaker 5: Let's find out, let's find out. I don't know the
Speaker 5: answer I just don't know the answer. Okay, Hey Kachina, Yeah,
Speaker 5: hold on, could you call Excel Roofing or call Henry
Speaker 5: I think a Jay's out of town, yep, and and
Speaker 5: ask him about that at John, what else were you
Speaker 5: going to say?
Speaker 21: And the other part of it is they ho A
Speaker 21: keeps saying metal roofs are not allowed. And there's nowhere
Speaker 21: in our regulations that even mentioned metal roofs except for
Speaker 21: it specifically says they're not allowed for awnings. Now, maybe
Speaker 21: I think from what you've said, that won't help us anyhow.
Speaker 11: Because you do a great well.
Speaker 4: Yeah, they're not.
Speaker 5: They're not saying the metal roof isn't allowed because metal
Speaker 5: roofs are not allowed.
Speaker 4: It's saying that your roof has to match the house.
Speaker 11: Okay, all right, I'll go.
Speaker 4: I mean, are there any houses that have metal roofs?
Speaker 11: No?
Speaker 4: And in the section and in the section for housing,
Speaker 4: does it give the roofs that are acceptable?
Speaker 11: Yeah?
Speaker 4: And is metal?
Speaker 5: And when it talks about housing and roofs, does it
Speaker 5: mention metal roofs being accepted?
Speaker 4: No? What does it say for homes that with the
Speaker 4: roofing you need?
Speaker 21: It's a list of about a dozen materials in they're
Speaker 21: all shingle.
Speaker 4: Well, then that's where the metal is not approved. Why
Speaker 4: would you think.
Speaker 9: It is all right?
Speaker 5: I mean, in other words, I don't know why you're
Speaker 5: interpreting things the way you are. You're saying because it
Speaker 5: doesn't say metal is prohibited.
Speaker 4: That it's accepted.
Speaker 5: Yet it gives you every single roof that's accepted.
Speaker 11: So even and so I.
Speaker 4: Didn't that's but yeah, that's what they They only listen.
Speaker 5: They only have to give the house because every other
Speaker 5: structure must match the house.
Speaker 11: Okay, I see.
Speaker 4: I mean, look at I'm looking.
Speaker 5: At this from a third party who never talked to
Speaker 5: you before, and I'm giving you a cold blush, which
Speaker 5: is a pretty good indication that I'm being objective here.
Speaker 5: I don't even like Hoa's but I don't I don't
Speaker 5: think you're interpreting it correctly. We have more coming up.
Speaker 5: We're gonna find out about that roof coming.
Speaker 4: Up with a sure thing Denver's Best Roofer Excel roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance check up free no obligation. Comparison call Compass
Speaker 5: insurance paying too much your coverage at dozens of insurance companies.
Speaker 5: Find out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino here. Hey, if you
Speaker 5: weren't able to get a hold of Excel, I can try.
Speaker 4: On my end.
Speaker 20: Yeah, he isn't texting me back, and he's not answering
Speaker 20: his phone, and.
Speaker 4: I'll uh, I'll tell him I need him three O
Speaker 4: three seven one three talks seven one three eight two
Speaker 4: five five. So we're going to ask about doing a
Speaker 4: roof over a metal roof and they simply want asphalt
Speaker 4: on it.
Speaker 5: So I don't think that's going to be a big deal.
Speaker 5: John Fuller is with us as well, attorney at law.
Speaker 5: We talk about a lot of things, and obviously we
Speaker 5: talk a lot about auto accidents.
Speaker 4: And somebody wants to know about ride share.
Speaker 5: Well, they want to know if they're uninsured motorists, if
Speaker 5: they're a passenger, or their medical payments if they're a
Speaker 5: passenger carries.
Speaker 4: Over to ride share. So how does that work?
Speaker 14: John, Yeah, it does.
Speaker 15: But you need to also know that we have laws
Speaker 15: that basically now require the ride share drivers to carry
Speaker 15: a lot more insurance, So your insurance will likely be
Speaker 15: secondary to that which is already in place between either
Speaker 15: the ride share driver or the at fault party if
Speaker 15: they happen to be different people. But yes, in a nutshell,
Speaker 15: it does carry over there.
Speaker 4: Have you seen a lot more of these cases or not?
Speaker 15: You know, we get that, but I don't see any
Speaker 15: more or less than different kinds of accidents.
Speaker 5: And you think there'd be a lot more because I'm
Speaker 5: telling you, ridehare is damn popular. I can't believe how
Speaker 5: many people use it. I never go downtown anymore to
Speaker 5: an event. When we're going to a concert or we're
Speaker 5: going to an event, we never take our car anymore whenever.
Speaker 4: We're going downtown or something.
Speaker 14: Yeah, what are the same way?
Speaker 5: I won't do it And it's such a hassle free
Speaker 5: way to do it now. Even people that live on
Speaker 5: the outskirts or live far away, park it somewhere central
Speaker 5: and take your ride share man your nuts to go downtown.
Speaker 5: You know, it costs me more to go downtown and
Speaker 5: park than it would to take a ride share from
Speaker 5: almost anywhere.
Speaker 15: Or even like marking them in an RV park, I
Speaker 15: mean just the I know he's with, which you can
Speaker 15: call an uber. I actually do stuff like go to
Speaker 15: the grocery store, get food and go back to your RV.
Speaker 15: I mean, just simple things like that are so much
Speaker 15: easier with the ride share than so Stephanie.
Speaker 5: I went to Miami and when we figured the cost
Speaker 5: of a rental car, then the.
Speaker 4: Hotel charges you every day for the valet.
Speaker 5: And then parking where you go when you venture out
Speaker 5: of the hotel. It's as much as the We did
Speaker 5: not rent a car in Miami one time and saved
Speaker 5: money by doing ride share only everywhere we went we
Speaker 5: did ride share. Mark by the way he has to leave,
Speaker 5: did he disconnect already through time? I'm ready here, go ahead.
Speaker 5: So do you use ride share when you're with the
Speaker 5: r V or do you rent cars?
Speaker 4: Or you toe? What do you do now? I toe?
Speaker 7: But we used if we fly anywhere, man, unless if
Speaker 7: we've got to drive like a few hours away from
Speaker 7: the airport, we never rent cars anymore.
Speaker 4: I know it, I know it.
Speaker 7: It's getting to see you got really crazy price. You
Speaker 7: remember before co covid honest to God, you could go
Speaker 7: to Enterprise or Hurtz and rent a basic car for
Speaker 7: twenty twenty two bucks a day. Now it's like, I
Speaker 7: don't care if you buy insurance or not. I mean,
Speaker 7: the plane Jain stuff.
Speaker 4: Is like fifty to sixty bucks a day. I know it.
Speaker 4: I know it's crazy. I mean really, I just I
Speaker 4: just don't.
Speaker 7: I had a quick question for John though, since this
Speaker 7: came up. John, those scooters downtown that you can rent,
Speaker 7: like either Lyft or Uber or whoever does them, does
Speaker 7: your UIM coverage carry over if you're on a scooter?
Speaker 7: In other words, if I get hit on a scooter
Speaker 7: by a car and it's the car's fault and they
Speaker 7: have no insurance are very limited, does my UIM kick in.
Speaker 4: It?
Speaker 14: Yeah? It should. It should kick in just fine.
Speaker 15: And you know, we've been successful in handling a couple
Speaker 15: cases like that, but it requires you to not be
Speaker 15: at fault. Now, one thing I can tell you about
Speaker 15: something that a lot of people don't know, and that's
Speaker 15: that the rental agreement for those things is horrible. I mean,
Speaker 15: I've had people that were on a scooter and the
Speaker 15: steering mechanisms literally fell off when they hit a bump
Speaker 15: and the guy ended up in a hospital. And literally,
Speaker 15: they just claim liability so many different ways for stuff
Speaker 15: like that that that we ended up concluding that there
Speaker 15: was just no chance in the world of going after
Speaker 15: them for for that product liability. So be very careful.
Speaker 15: But yees, sure, um should cover you. Your medpay should most
Speaker 15: likely kick in and cover you.
Speaker 7: And then how about how about if I get someone
Speaker 7: on a scooter, it does my car insurance cover the damage?
Speaker 4: If I have the proper coverage.
Speaker 14: It might it's it it may mark.
Speaker 15: That's a that's a good question, A good question that
Speaker 15: you should take up with your agent.
Speaker 4: But we've got to take this break through. I swear
Speaker 4: mark you have to scoot. Yeah, I got someone knocking
Speaker 4: it the door.
Speaker 11: All right.
Speaker 4: We got more coming up on this shows.
Speaker 5: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up, free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one. Help You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: Com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 5: your troubleshooter three O three seven one three talk three
Speaker 5: O three seven one three eight two five five. I
Speaker 5: was gonna call Excel Roofing about the uh that HOA
Speaker 5: and I will, but first eighty oh on, Oh good, Henry,
Speaker 5: there you are, bro. I was trying to Colli in
Speaker 5: the other line, Henry, can this guy has a gazebo
Speaker 5: and a metal roof was put on it, and his
Speaker 5: ho is demanding he put an asphalt roof to match
Speaker 5: his house. And John, let me let me just ask
Speaker 5: you real quick, Henry, can you nail the ass? Can
Speaker 5: you put the asphalt over the metal roof?
Speaker 2: No?
Speaker 22: I really wouldn't recommend doing that. It's best to put
Speaker 22: this best stand a kind of OSB and then shingle
Speaker 22: over that decking.
Speaker 5: But do you have to remove the metal though, or
Speaker 5: can you put the OSB over the medal?
Speaker 22: Yes, that's the proper way to do it is to
Speaker 22: remove the metal and then shingle.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call humpass insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 4: Yeah, ripped up.
Speaker 14: News need advice so you don't.
Speaker 4: Have you come run in just as fast as we can.
Speaker 14: Show Shooter's gonna help come.
Speaker 3: Man six is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk three oh three
Speaker 4: seven one three eight two five five Here to help
Speaker 4: you solve your problems, answer questions, and take complaints.
Speaker 5: We have a lot happening here. I'm gonna go right
Speaker 5: to the phones. Okay, we left off of John and
Speaker 5: we didn't get a I didn't get a complete answer.
Speaker 5: But John right now has a gazebo that the hoy
Speaker 5: is giving him trouble on they want the roof to
Speaker 5: match his house.
Speaker 4: And right now.
Speaker 5: There's a metal roof on the gazebo and a regular
Speaker 5: asphalt roof on his house. John, if you go out
Speaker 5: to the gazebo, what's underneath the metal? Is the metal
Speaker 5: just over the frame? Or do you have plywood underneath
Speaker 5: the metal?
Speaker 4: Is John there?
Speaker 11: Yeah? John's here?
Speaker 4: Yes? John?
Speaker 5: So what's underneath the metal? If you go out to
Speaker 5: the gazebo and look up.
Speaker 11: It's just a tread structure.
Speaker 21: So and then you see the bottom of the thinsheet
Speaker 21: of metal.
Speaker 5: So okay, So the metal is on the frame. There's
Speaker 5: no plywood or anything on there?
Speaker 21: Right And if we could sb, is there nails or
Speaker 21: stables that are tending enough that they won't go through
Speaker 21: the osc and show from the bottom.
Speaker 5: Okay? So if you have a gazebo you're asking you
Speaker 5: do have to put up if you put asphalt on there,
Speaker 5: you have to put a plywood decking down.
Speaker 4: Okay, First, are you saying if you put and you're
Speaker 4: afraid that if you put the plywood decking down and
Speaker 4: then the asphalt roof, you're afraid the nails might show
Speaker 4: through they probably will.
Speaker 5: Yeah, Henry with excel roofing, Henry Bretts.
Speaker 4: Henry, will the nail part go ahead?
Speaker 11: Henry yep, yep.
Speaker 22: So I know exactly what he's talking about. This is
Speaker 22: a very common uh deal. All these gazebos. They put
Speaker 22: that metal directly on the rafters and so you can
Speaker 22: see the metal from the bottom and then obviously.
Speaker 13: From the top.
Speaker 22: I mean, this is a really unfortunate situation. He's going
Speaker 22: to have to rip all that metal off and put
Speaker 22: that OSB right on those rafters and then, like he said,
Speaker 22: nail the shingles down. It's proper to have the shingles
Speaker 22: penetrate the OSB. So it's I mean he could go
Speaker 22: through and clip the backside of the nails. That would
Speaker 22: be one option.
Speaker 14: He could also raise.
Speaker 22: That that decking basically up higher and so that there's
Speaker 22: more uh like room for the nails to go through
Speaker 22: and they wouldn't show. But I mean it's difficult.
Speaker 4: What does that mean?
Speaker 6: What?
Speaker 4: I don't know what he means by that.
Speaker 23: So it decking a little bit more like thick, like
Speaker 23: a base layer and then a little you know, furring
Speaker 23: strip or two by four and then another layer on
Speaker 23: top of the actual shot.
Speaker 22: You could for sure do something like that. I really
Speaker 22: wouldn't recommend doing that. It basically be like a cold
Speaker 22: roof system on just the gazebo.
Speaker 4: Why did they make why did they require that the
Speaker 4: nail Why do they require that the nails go through.
Speaker 22: The OSB just to make sure that they're holding correctly.
Speaker 22: It's a code for those nails to penetrate through and
Speaker 22: it is difficult, especially on a building like that.
Speaker 5: So the only thing you would yeah, he could just
Speaker 5: put a decorative or a or a finished piece of
Speaker 5: something as a ceiling underneath the rafters and then you
Speaker 5: and then you wouldn't see the you wouldn't see the
Speaker 5: bear decking underneath with the nails popping through.
Speaker 22: Hey, yeah, that would be a great solution.
Speaker 4: Yeah, So John, did it have a metal roof on
Speaker 4: it before?
Speaker 21: It had a No, but it didn't have a single groove.
Speaker 21: It had a vibran class roof.
Speaker 4: And how was that fiber negotiating with?
Speaker 22: What the what the HOA is there any room with them?
Speaker 4: Like? Why what would you suggest?
Speaker 22: I mean, it's just it's a lot of work for
Speaker 22: really nothing, and that that metal it's a really good roof,
Speaker 22: and to change it out for an asphalt is just
Speaker 22: a lot of work and it's no added benefits.
Speaker 5: Yeah, so that metal roof probably looks prettier too.
Speaker 4: Great, God, that's John.
Speaker 5: There's no way they would consider is there is the
Speaker 5: roof color the same?
Speaker 11: It's very close to the color of our house.
Speaker 5: God, I can't believe there being such I can't believe
Speaker 5: there being such nitpickers.
Speaker 14: Somebody to paint it to match the shingles.
Speaker 4: Yeah, but he's saying it's close already.
Speaker 14: To the color painted to where it looks like a
Speaker 14: shingled roof.
Speaker 5: Oh, like a faux finish.
Speaker 4: Hey, is it a standing seam roof? Do you know?
Speaker 21: I'm not sure what that term means, but it does well.
Speaker 4: Is the roof completely flat?
Speaker 21: Yeah? No, I'm sorry, it's it's but you kind of
Speaker 21: gabled on four sides.
Speaker 22: Right, But what I mean I think this is corrugated
Speaker 22: metal panels.
Speaker 12: They're about twelve feet.
Speaker 22: I highly doubted standing seem that because they shift these
Speaker 22: things with they're pre manufactured.
Speaker 5: Okay, well listen, I don't know what to tell you,
Speaker 5: but he's saying it would be a lot of work
Speaker 5: and the nails would show through and I don't know.
Speaker 21: Maybe so the only other question, so there's no adhesive
Speaker 21: like lick wood nails or something you can.
Speaker 4: Yeah, that's a good question.
Speaker 5: Is there any kind of a roof he could he
Speaker 5: could glue on, Henry.
Speaker 4: Anything, you know.
Speaker 22: I don't think that there's really a good option for that.
Speaker 22: As far as us being a contractor, we would need
Speaker 22: to do something to code. If he wanted to go
Speaker 22: and do something like that himself, that could be a
Speaker 22: possible option.
Speaker 4: And what kind of adhesive would stick that that? I mean,
Speaker 4: does it have to be the code?
Speaker 5: Even on a structure like that that is not inhabitable
Speaker 5: like a house.
Speaker 22: You know, it's it's kind of the luck of the
Speaker 22: draw the inspector. Yeah, absolutely, they could go out there
Speaker 22: and say this isn't a code and make you redo it.
Speaker 22: It's it's really up to just the homeowner how they
Speaker 22: want to go about it, if it's a DIY project
Speaker 22: or if they do want to have a professional come in.
Speaker 22: But we would have to do it properly.
Speaker 11: Yeah.
Speaker 4: I know, Wow, what a pain, John, That is terrible.
Speaker 5: What did what what did this gazebo cost you?
Speaker 9: John?
Speaker 11: It was about twenty undred dollars.
Speaker 4: Oh, twenty five hundred that big of a gazebo, that's all.
Speaker 4: Ok Oh, it was pre built. Okay, Okay, that's a
Speaker 4: tough one.
Speaker 18: Yeah, because it's it quite have been a cat on
Speaker 18: the lot to do.
Speaker 22: That roof on that gazebo. I mean he might be
Speaker 22: looking at twenty five hundred dollars just to redo that
Speaker 22: whole thing, to put an ass fault roof onto it,
Speaker 22: especially doing that that would underneath the rafters to finish
Speaker 22: it correctly.
Speaker 4: Yeah, I know it.
Speaker 5: What a pain in the ass, John, Well, we got
Speaker 5: you can call Excel off the air, call him and
Speaker 5: asking more questions if you have them. But I can't
Speaker 5: think of any solution. You may want to appeal to
Speaker 5: your homeowners unless it just looks ugly. I don't even
Speaker 5: know how it looks is it? Is it an attractive gazebo?
Speaker 11: Yeah, we think it is.
Speaker 21: Their neighbors even sign of thing that people the two
Speaker 21: neighbors can say it.
Speaker 11: They said they have no.
Speaker 4: They don't even care.
Speaker 5: Man, what a pain in the ass your homeowners association is.
Speaker 4: Yeah, I'm sorry, I'm sorry.
Speaker 5: John Excel roofing dot Com three O three seven sixty
Speaker 5: one sixty four one hundred, Ken, what is your question
Speaker 5: on on sentry Link?
Speaker 4: How about John Heym.
Speaker 18: A long time listener.
Speaker 4: Thank you.
Speaker 18: We moved back to Denver from Salida in April of
Speaker 18: two thousand and one, and you signed up for a
Speaker 18: century Link five or one gig internet service and it
Speaker 18: was price for life at sixty Is this.
Speaker 4: Two thousand and one you moved yes, okay.
Speaker 18: And the price for life is no longer the price
Speaker 18: for life.
Speaker 11: They're raising the prices.
Speaker 4: You know what.
Speaker 5: We're getting a lot of complaints about this. Hold on,
Speaker 5: We'll come right back to you, and more coming up.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup, free, no obligation comparison call
Speaker 5: Compass Insurance paying too much your coverage at dozens of
Speaker 5: insurance companies find out now three O three seven seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tom Martino here
Speaker 5: three three seven one three talk seven one three eight
Speaker 5: two five five Ken listen, I did some research off
Speaker 5: the air here and the price, the Price for Life plan,
Speaker 5: despite the name, has been been faced with price hikes
Speaker 5: all over the country, and in fact, Sentry Link has
Speaker 5: been the source of a lot of complaints.
Speaker 4: And you want to know the bottom line. They're saying tough,
Speaker 4: They're saying, listen, they're saying tough, we can't do it anymore.
Speaker 5: Oh my god, that I mean there now, there would
Speaker 5: have to be in a case like this, a class
Speaker 5: action suit or something. They're not going to move for
Speaker 5: one person. And I don't think one person can afford
Speaker 5: to bring a lawsuit. No, But they're basically thumbing their
Speaker 5: nose saying, yep, it was a price for life. And
Speaker 5: and some people say there might be small print in
Speaker 5: the contract. I've never actually looked at one. Did you
Speaker 5: do you have your contract?
Speaker 18: I don't ever remember truly getting a contract.
Speaker 5: And that's the other rubb or are we ever going
Speaker 5: to be able to I don't know what to do
Speaker 5: about it.
Speaker 4: It's all over the country this is happening.
Speaker 18: And the same is going with their other new the
Speaker 18: offshoot company that's Quantum fiber.
Speaker 4: I think no, they well, which is well, hold on,
Speaker 4: a new company can do it right.
Speaker 18: No, the new one that's sitting out there is a
Speaker 18: subsidiary of CenturyLink. They're offering the same thing, but they've
Speaker 18: got an asterisk on their ad that says as long
Speaker 18: as the plan is still offered, which is what century
Speaker 18: Link did too.
Speaker 11: And I don't.
Speaker 18: I don't think you can buy the price for life
Speaker 18: from century Link anymore.
Speaker 4: Okay, but you're saying they should still honor the old one. Yes,
Speaker 4: when you bring that up to them, what do they say?
Speaker 18: They say, tough luck?
Speaker 4: No, what did they really say?
Speaker 11: No?
Speaker 18: Really, the first year they when they bumped it up
Speaker 18: by ten bucks, I mean the first year.
Speaker 4: How long? Wait?
Speaker 5: Wait wait, you said you had this since two thousand
Speaker 5: and one. That's twenty forty, that's twenty.
Speaker 18: Three, No, twenty twenty one.
Speaker 4: That's why I asked, I know, Okay, I asked that.
Speaker 5: Okay, So since twenty twenty one, here's what I want
Speaker 5: to know.
Speaker 4: How many times have they increased it.
Speaker 18: I've had it for two years and it wasn't increased.
Speaker 18: The third year they increased it, ten Bucks called it
Speaker 18: complained and they rolled it back to ten Bucks, and
Speaker 18: then this last April.
Speaker 11: They raised it again.
Speaker 18: I called it, complained and they said, I'm sorry, we're
Speaker 18: not doing that anymore, and we'll give you a long
Speaker 18: term customer benefit for the moment for a year of
Speaker 18: fifteen dollars a month. So they rolled it back, but
Speaker 18: I don't think it's going to keep lasting. And my
Speaker 18: take on them giving me this customer the fifteen dollars discount,
Speaker 18: I believe they're going to call that.
Speaker 11: A new contract.
Speaker 4: Yep. So what do you do?
Speaker 18: I mean, not much.
Speaker 4: We got it. We got to get the word out,
Speaker 4: and we got to get the word out. I mean,
Speaker 4: I'm hoping. Seriously, I'm wondering.
Speaker 5: I'm wondering how many this has happened to and if
Speaker 5: there is a class action firm.
Speaker 4: That would be willing to do it.
Speaker 5: The class action firms exist for one reason, well, excuse me,
Speaker 5: legal fees.
Speaker 4: And it's not a bad thing.
Speaker 5: I mean, see, the purpose of a class action lawsuit
Speaker 5: is usually to punish the wrongdoer, stop the infraction, and
Speaker 5: if they get legal fees, I don't care about that.
Speaker 5: I mean, that's why that's what induces firms to take.
Speaker 4: On class action. Do you know.
Speaker 5: I mean, I'm not saying you do. John Fuller is
Speaker 5: an attorney. John with class action lawsuits. These firms do it.
Speaker 4: For the legal fees, right, I mean obviously, yeah, of course,
Speaker 4: but they still accomplish a good thing. I think sometimes
Speaker 4: they do.
Speaker 15: I mean, they do affect actual real change, you know,
Speaker 15: and and and believe me, these companies are even though
Speaker 15: the class members may you know, their jokes will get
Speaker 15: a coupon or a quarter or something, and the lawyers
Speaker 15: will get, you know, a gazillion bucks. But make no mistake,
Speaker 15: these companies are paying out huge amounts of money and
Speaker 15: it definitely hits the bottom line. So the main reason
Speaker 15: to bring a big, you know, class action type suit
Speaker 15: is to affect change in the corporate behavior.
Speaker 5: Now, it says that there have been other class action
Speaker 5: lawsuits brought in other states, uh for fraud and over billing,
Speaker 5: not in this specific case, but they said in this
Speaker 5: research like in Minnesota, there was the Sentrylink settled a
Speaker 5: lawsuit with the attorney general. You know, I imagine of
Speaker 5: enough people complained to the attorney general in Colorado. We
Speaker 5: should try to I'm serious, we should try to get
Speaker 5: a spokesperson on from the Attorney General's office. So while
Speaker 5: there's not much we can do for you Ken specifically
Speaker 5: and individually, I believe that you bring up a really
Speaker 5: good point, Kaschina. Let's try to get Let's try to
Speaker 5: reach out here or have somebody reach out, give one
Speaker 5: to one of the deputies. Let's reach out to the
Speaker 5: Attorney general and just talk in general consumer terms on
Speaker 5: whether they would address this.
Speaker 4: Now Lara or is it Laura? Is it Lara or
Speaker 4: Laura about frozen bank accounts?
Speaker 20: Yeah, no, it's Laura. I yes, I caught last week
Speaker 20: our bank accounts were frozen.
Speaker 4: Yeah, okay, you you were married three.
Speaker 5: Years ago and your new husband declared bankruptcy that was
Speaker 5: discharged nine years ago. Then then your joint account was
Speaker 5: recently frozen and you have no idea why.
Speaker 20: Yes, well we found out why. So I just wanted
Speaker 20: to warn people because apparently when you file for bankercy,
Speaker 20: all of your accounts should be quosed at the bank
Speaker 20: that you currently bank.
Speaker 4: Wish and then you reopen them and you reopen new accounts.
Speaker 20: No, we're not allowed to bank there.
Speaker 4: What bank was it?
Speaker 20: Belco?
Speaker 4: Why did it take him nine years to find out?
Speaker 24: They did a.
Speaker 20: Recent audit and we're not the only ones. There's other
Speaker 20: people who have filed being received in previous years, and
Speaker 20: now they are closing all their accounts. They said, we
Speaker 20: were we would be allowed to continue banking there if
Speaker 20: we voluntarily paid the debt that he owed them from
Speaker 20: eight years ago.
Speaker 4: Oh so he owed them money themselves.
Speaker 20: How much he m five thousand dollars?
Speaker 5: Oh so they're they're saying, screw you. You're not going
Speaker 5: to owe us money and keep an account. That would
Speaker 5: be the same as like if you had a credit
Speaker 5: card account.
Speaker 15: And it's absolutely illegal for them to try to force
Speaker 15: him to pay, but they're not forcing him to know.
Speaker 4: They didn't keep they didn't keep your money, right, No, no, but.
Speaker 20: We had a substantial amount of money in a money
Speaker 20: market account and now and basically I have to find
Speaker 20: another account for it because it was a high yield
Speaker 20: savings account.
Speaker 4: And so at least they're not but they're not keeping
Speaker 4: your money.
Speaker 20: No, no, they made us close the account.
Speaker 5: Okay, So basically though, that's not so much of a shocker,
Speaker 5: meaning this even though you haven't done anything, and of
Speaker 5: course he hasn't done anything recently. What they're saying is,
Speaker 5: wait a minute, Why is this guy doing business with
Speaker 5: us when he went bankrupt? We don't want him. You know,
Speaker 5: American Express does stuff like that.
Speaker 4: A lot of.
Speaker 5: Companies do that. Now, some companies don't. Some companies don't care.
Speaker 5: If you owe them money, go bankrupt and open a
Speaker 5: new account.
Speaker 4: They're figuring, well, at least we got some business from you.
Speaker 5: But that's a really interesting development, Larer, thank you for
Speaker 5: letting us know that.
Speaker 20: Go ahead, Lara, ever notified, We were never notified. We've
Speaker 20: never received a letter that our accounts were frozen. We
Speaker 20: found out because someone tried to cast a check that wall.
Speaker 4: No, that's what sucks.
Speaker 5: That sucks because they should have at least said to you,
Speaker 5: by the way, you have like ten days or three
Speaker 5: days or three whatever to close your account.
Speaker 20: Yeah, we're not the only one. This is happening to
Speaker 20: other people. So I just wanted to put that out there.
Speaker 4: Good Lara, thank you.
Speaker 24: Yeah, yeah, what else I was.
Speaker 20: Just going to say, And if you and if you
Speaker 20: file for bankruptcy, make sure you close your accounts because
Speaker 20: eight years later we'll come back to bite you.
Speaker 5: Well, you close your account if you owe that institution money.
Speaker 5: Otherwise they don't really care. They really don't. It's the
Speaker 5: only reason they did that to you, guys, is because
Speaker 5: you owe them money. So if you owe a financial
Speaker 5: institution any money, you should close the account. You're absolutely
Speaker 5: right three seven one three talks seven one three eight.
Speaker 4: Two five five. Deputy Bow has some follow ups.
Speaker 5: Plus we have John Fuller, Attorney at Law, Personal Injury
Speaker 5: dot Personal injuryco dot com.
Speaker 4: All of that coming up.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com.
Speaker 4: You don't pay a cent until you're content.
Speaker 5: Wait time for an insurance checkup free no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hi Tom Martine
Speaker 5: here three o three seven one three talks seven one
Speaker 5: three eight two five five. Steve's got a suggestion for
Speaker 5: the guy with the gazebo. He has a metal roof
Speaker 5: on the gazebo. The Hway's given him a hard time,
Speaker 5: saying it has to match the house, which means you'd
Speaker 5: have to put down plywood decking and then an asphalt roof,
Speaker 5: and it would look like hell underneath because the nails
Speaker 5: would come through the plywood. And the gazebo has an
Speaker 5: open ceiling in the you know, like at the cathedral ceiling.
Speaker 12: What do you think, Steve, Well, my thought is that
Speaker 12: he could leave that metal roof where it is and
Speaker 12: put furring strips on the trusses and then put the
Speaker 12: wood on top of that, and then the metal roof
Speaker 12: would cover any nails that would come through there. And
Speaker 12: then all you'd need is maybe one of those strips
Speaker 12: along the outside that might cover the difference between the
Speaker 12: two roofs from the I understand.
Speaker 4: So you're saying there's a way to cover those nails.
Speaker 12: Well, no, I'm just saying, leave his original roof on,
Speaker 12: put the furring strips.
Speaker 4: On the metal roof.
Speaker 12: Got it, Oh, so that metal roof will cover it
Speaker 12: all up.
Speaker 4: So I see.
Speaker 5: You're saying, just basically, put some furring strips on the
Speaker 5: metal roof and put a new roof above, and you
Speaker 5: have a little airspace in between.
Speaker 12: Right, and then nobody would see the nails, and then
Speaker 12: he just has to do those new things they require
Speaker 12: on houses. That grip strip along the edges would probably
Speaker 12: cover up the gap of that.
Speaker 5: And never thought of that. You know, that might be
Speaker 5: it time again. It's going to cost him though, I mean,
Speaker 5: it seems a shame to do that just because of
Speaker 5: this this rule.
Speaker 12: But thank you Steve trying to get it approved. But
Speaker 12: ye'll be a fairly decent last.
Speaker 4: Yeah, well, thank you for thinking.
Speaker 5: I love when our audience calls in with suggestions our listeners. Hey,
Speaker 5: Deputy Bow As a follow up, now, here's what happened.
Speaker 5: Brenda called us Monday and said, I worked for Grandma's
Speaker 5: Goodies and that's a kind of a nice restaurant. We could,
Speaker 5: I mean, a down home restaurant. Found out anyway, she said,
Speaker 5: I quit because the owner is keeping all the tips
Speaker 5: from his servers. And then we learned she only worked
Speaker 5: there six hours. So we're not sure what happened.
Speaker 4: But Deputy Bo, you followed it up. What did you
Speaker 4: find out?
Speaker 24: Yes, Tom this Brenda, it's good that we have time
Speaker 24: to always dig in to get there. Seems to be
Speaker 24: always another side.
Speaker 6: To the store.
Speaker 4: Oh you.
Speaker 24: Absolute yeah. Called Vicky, the owner of Grandma's Goodies called
Speaker 24: They're a good mom and pop restaurant. They got four
Speaker 24: point seven rating. And I think that guy Ferrari on
Speaker 24: Diners Drives Diners Drive did a story about him. But anyway,
Speaker 24: the bottom line is she just wasn't working out. She
Speaker 24: had an altercation with an employee or another customer, so
Speaker 24: they had to let her go. She's only there a
Speaker 24: few hours. She called in stating that they the employees
Speaker 24: do not get the chip tips. They cannot be anything
Speaker 24: further than the truth. They have a tip jar, they
Speaker 24: collect the tips. At the end of the day, Vicki
Speaker 24: and her husband that owned grandma Goodies split up the
Speaker 24: tips between the employees and the people that fake. So
Speaker 24: they've done appears they do not keep the tips at all.
Speaker 24: Brenda was just calling to disparage the restaurant, and I
Speaker 24: think it's.
Speaker 4: That's too bad. That's that's really too bad.
Speaker 24: So I just want to give kudos to the restaurant
Speaker 24: because she called in to disparage the restaurant, and I
Speaker 24: think they're very good based on the rating. Is a
Speaker 24: very good restaurant and they're.
Speaker 4: Not employees, you know, thank you very much. In fact,
Speaker 4: we all agreed we were going to try this place out.
Speaker 4: It looks so good online.
Speaker 14: It takes some special they're fired in six hours.
Speaker 5: Yeah, by the way, how do you get fired in
Speaker 5: six hours?
Speaker 4: Did they elaborate at all?
Speaker 24: They said there was some sort of altercation with either
Speaker 24: with one of the guests, and they just say, geez.
Speaker 24: They had to let it go and shore to the door.
Speaker 5: So you know, I have a funny story about that.
Speaker 5: I I was there roly pure for me and some friends.
Speaker 4: Were at a car show and we were at a
Speaker 4: restaurant and this waitress was so nasty that we couldn't
Speaker 4: believe it.
Speaker 5: I mean it really, she really was nasty. I mean
Speaker 5: it wasn't just somebody with it. And we didn't know why.
Speaker 5: But I remember at the time my friend was going
Speaker 5: through divorce and and he made a comment because we
Speaker 5: were all there for a guy's weekend at this car show,
Speaker 5: and he made it he said, if I want to
Speaker 5: be treated like this, I'd stay home. It was pretty funny,
Speaker 5: but then I got so pissed off. I remember the
Speaker 5: day Rollie would tell you I got up and I did.
Speaker 4: I rang my glass like they do at weddings with
Speaker 4: the silver ding ding ding ding, And people looked at
Speaker 4: me and I said, how many here are being treated
Speaker 4: terribly by this woman? I am kind of sick and
Speaker 4: tired of it. We're all here having fun. Why is
Speaker 4: she being so nasty? Oh?
Speaker 5: Man, you wouldn't believe it. People start raising their hand
Speaker 5: and clapping for me. I mean the ones that had her.
Speaker 5: She was fired, So I had to.
Speaker 4: Have been a year and a half later. Maybe I
Speaker 4: think it was a year and a half. I was
Speaker 4: doing a live shot for Channel four at the Wizard's
Speaker 4: Chest on Halloween. You know Halloween. So the Wizard's Chest
Speaker 4: used to be this magic store in a costume store,
Speaker 4: And all of a sudden, this witch comes up to
Speaker 4: me and says, I hope you're satisfied. I'm thinking, how
Speaker 4: I propose. She's dressed as a witch, and she was
Speaker 4: the woman that had gotten fired and wanted to let
Speaker 4: me know that I ruined her life. I said, no,
Speaker 4: I didn't ruin your life. I said, I think you
Speaker 4: pretty much did that. I mean, and I don't know
Speaker 4: how eating a job as a waitress in wherever the
Speaker 4: town was recommercier whatever is going to ruin your life.
Speaker 4: But that was and that woman she showed up at
Speaker 4: three different live shots.
Speaker 14: Better watch out.
Speaker 4: Well that was a long time ago. She's she's probably
Speaker 4: still a witch though, anyway. Three O three seven one
Speaker 4: three eight two five five.
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Speaker 4: Hi, I'm Martino here.
Speaker 5: Okay, so Mike, what is your suggestion for the guy
Speaker 5: with the gazebo?
Speaker 17: Mike, I don't hear anybody telling him.
Speaker 11: Are you there?
Speaker 4: Yes, sir? Go ahead?
Speaker 17: Okay, Yeah, I didn't hear anybody tell me. Well, first
Speaker 17: thing he needs to find out those those are pre
Speaker 17: manufactured gazebos, right, what's the load bearing snow bearing on it?
Speaker 17: How much can you make can that gazebe hold? As
Speaker 17: much as I am betting Shingle and would and everything,
Speaker 17: he may not be able to. He may come out
Speaker 17: and find it collapse.
Speaker 15: Yeah, that's that's true, of course. But I mean the
Speaker 15: bottom line was it was just a bad idea to
Speaker 15: go and do that.
Speaker 14: Anyway.
Speaker 5: Do you know what I think? And this is probably crazy, Mike,
Speaker 5: but thanks for calling. I think that Costco would.
Speaker 4: Take it back. They might, that's how crazy they are.
Speaker 4: They would if he said, my homeowners won't allow it.
Speaker 15: And go buy one of those big wooden ones in
Speaker 15: front of home depot.
Speaker 4: And but they're labor taking it down and all that. Steve.
Speaker 4: You have a question on movers, Go ahead, Steve, what's happening?
Speaker 17: Yeah, I'm moving out of state and I've heard all
Speaker 17: these horror stories about people hiring companies and these moving companies.
Speaker 17: That's right, you're belonging hostage.
Speaker 4: That's right.
Speaker 17: I hired a company. I'll put a deposit, American Movers Direct.
Speaker 17: I've done my research online. I mean, how do you
Speaker 17: feel comfortable?
Speaker 12: This is like one of the best.
Speaker 5: Okay, now, American Movers Direct I've never heard of. So
Speaker 5: here's what I tell you, okay, that's how I pick
Speaker 5: a mover. They're very hard to find. First of all,
Speaker 5: most movers are not movers. They're contract gatherers, and they
Speaker 5: take money and do nothing, then sell the contract to
Speaker 5: someone else who then picks up your stuff and then
Speaker 5: talks you into more money, and then somebody else transports it,
Speaker 5: and then they hold it hostage upon delivery, saying you
Speaker 5: owe them even more money. So most movers aren't movers.
Speaker 5: They just they move your contract from one person to another.
Speaker 4: What you need is someone who's going to handle the
Speaker 4: move from beginning to end. Okay.
Speaker 5: That means an agent for a recognized national van line. Unfortunately,
Speaker 5: that's the best way to When I say unfortunately, meaning
Speaker 5: that's what you have to do, okay, you have to
Speaker 5: go to a recognized agent of a reputable van line.
Speaker 5: And this has to be an agent that owns their
Speaker 5: Listen carefully. They own their own fleet of trucks, or
Speaker 5: at least their own fleet. They don't sell contracts, and
Speaker 5: they have their own brick and mortar place, not a
Speaker 5: guy sitting in his basement in his underwear, gathering your
Speaker 5: contract and selling it.
Speaker 4: That's the way you do it.
Speaker 5: So if you want to move, I'm going to tell
Speaker 5: you the safest thing the guy should pay me for
Speaker 5: advertising because over the years I've known him for so long,
Speaker 5: and the reason he doesn't advertise is because he doesn't
Speaker 5: have to because they're because they're the best mover in
Speaker 5: the world. And that's Johnson Moving in storage. So yeah,
Speaker 5: so you called Johnson moving in storage here in Denver,
Speaker 5: and then it's done.
Speaker 4: Okay.
Speaker 5: I wish I could name different ones throughout. There are
Speaker 5: probably other ones around, but this is the guy that
Speaker 5: I've known Mark for years and years and years and
Speaker 5: years and years now. He used to be on my
Speaker 5: referral list many years ago. But frankly, the man doesn't
Speaker 5: need to advertise. They've been in business one hundred and
Speaker 5: twenty five years and they're I believe they Let's see
Speaker 5: who are Are they National van Lines or wait, they're
Speaker 5: for one, But it doesn't matter.
Speaker 4: They're They're a real, honest to god agent.
Speaker 5: But you can get you can also get good ones
Speaker 5: that are grable.
Speaker 4: You can get people who are beacons.
Speaker 5: But you just want someone with a long history of
Speaker 5: not screwing people. And I forge I'm trying to find
Speaker 5: out who Johnson is.
Speaker 4: Affiliated with I believe they're United Van Lines. I think
Speaker 4: they're united. Yeah, Johnson Moving in Storage.
Speaker 5: Yep, you call them, you will. Here here's their number.
Speaker 5: I looked them up online again.
Speaker 4: The guy, the guy to hire me. Here it is
Speaker 4: three h three seven eight five forty three fourteen. There.
Speaker 5: Don't screw around. Just don't screw around with anyone else.
Speaker 4: It's that big, okay, and it really will.
Speaker 5: You're never gonna You're never gonna have those games because
Speaker 5: the way it works sucks. Usually you call a guy,
Speaker 5: they take money, they do nothing, They sell your contract.
Speaker 5: You never know who you're dealing with. There's four or
Speaker 5: five different people. They hike the price each time. Keep
Speaker 5: your stuff, and by the way, most of the time,
Speaker 5: it doesn't pay to move. It pays to sell and
Speaker 5: to buy where you are and take the most valuable
Speaker 5: of your stuff. That's so keepsake or documents and simply
Speaker 5: ship them.
Speaker 4: By the way.
Speaker 5: John Fuller Personal Injuryco dot Com three oh three five
Speaker 5: nine seven forty five hundred, But simply remember the name Fuller, John.
Speaker 5: You will talk to each and every client that calls
Speaker 5: and wants to talk to you.
Speaker 4: Is that right, John?
Speaker 14: Absolutely?
Speaker 5: Yeah, So I'm serious when I say this. Just call,
Speaker 5: ask your questions and say what can you do for me?
Speaker 5: I mean, what the hell right? You can't do better
Speaker 5: than that three oh three five nine seven forty five
Speaker 5: hundred