Speaker 1: Ripped news needs so you don't have.
Speaker 2: You come running just as fast as we can.
Speaker 1: Show Shooter's gonna help coming man, This is.
Speaker 3: The Troubleshooter Show. No Tom Martino.
Speaker 4: Hey, I'm Tom Martino in the Mothership today having Car Friday.
Speaker 4: That's what it is. Welcome to the show. Three oh
Speaker 4: three seven one three talk seven one three eight two
Speaker 4: five five. This hour brought to by Genesis Totalexteriors dot
Speaker 4: Com for all of your exterior maintenance and now mold
Speaker 4: mitigation and eradication the honest way, Genesis Total Exteriors of
Speaker 4: Lifetime siding called align Siding Genesis Total Exteriors dot Com.
Speaker 4: Welcome Car Day, Car Friday. What's happening? Well, whatever's on
Speaker 4: your mind. It doesn't have to be about cars. But
Speaker 4: I have a number of things I want to talk about.
Speaker 4: I want to talk about leasing. I've decided the cost
Speaker 4: of money and the cost of cars and the cost
Speaker 4: of let's just put it this way. I used to
Speaker 4: think leasing was not a great idea. I think leasing
Speaker 4: is the best idea. Leasing is the most logical smart way.
Speaker 4: But there is a big giant pitfall when leasing, and
Speaker 4: everyone falls in it. But if you could get around
Speaker 4: the pitfall. I'm going to show you how it's wise.
Speaker 4: It's wisdom to lease in many cases. Now, remember I
Speaker 4: told you the leasing part has to do with if
Speaker 4: you do it right, if you do it wrong leasing,
Speaker 4: and most people do it wrong, leasing is terrible. So
Speaker 4: there's a lot to talk about leasing. The acquisition is
Speaker 4: where people get screwed. They pile on stuff they normally
Speaker 4: wouldn't pile on when they're purchasing because they have an
Speaker 4: artificially low payment, which takes the entire advantage out of
Speaker 4: a lease. The other thing is if you can't, and
Speaker 4: I'm telling you this, you will never and I mean never.
Speaker 4: I don't care what incentives they offer, you will never ever, ever, ever, ever,
Speaker 4: ever ever ever have a good lease. If you terminate
Speaker 4: early or you put on too many miles, do not
Speaker 4: do it, You absolutely positively will have a problem. The
Speaker 4: other thing, people say, what if I want to buy
Speaker 4: my car at the end of the lease. Nothing wrong
Speaker 4: with it, but I recommend that you don't, and we'll
Speaker 4: go over why and we'll talk about it. Three zero three. Well,
Speaker 4: I mean, I guess if it's an extraordinary deal. There
Speaker 4: have been some leases lately Jeffar Cars with us Rodney.
Speaker 4: There have been some cases where cars actually ended up
Speaker 4: being worth more at the end of the lease. Around
Speaker 4: COVID time, when you were coming up on a lease,
Speaker 4: your car was worth more than you could buy it
Speaker 4: out for and you had the option in some leases
Speaker 4: to buy it out right and then you keep it
Speaker 4: or sell it right. Put that might near your mouth.
Speaker 4: There persa right, weren't there a lot of cars coming
Speaker 4: up more expand I'm worth more than the residual.
Speaker 5: Right, And that's because of the lack of manufacturers cars
Speaker 5: that were out there, which brought up the price because
Speaker 5: we couldn't get cars and manufacturers wouldn't be able to
Speaker 5: produce them so and the new cars were not getting
Speaker 5: any used cars because they couldn't replace their used cars
Speaker 5: with a new car.
Speaker 4: Exactly. You can text me five seven seven thirty nine.
Speaker 4: That's the iHeart app. But you can also go directly
Speaker 4: to my phone seven four seven nine nine nine fifty
Speaker 4: two eighty that is my Google number. Forwards to my
Speaker 4: cell phone that's seven four seven nine nine eighty. And
Speaker 4: another thing I want to talk about. Somebody said, what
Speaker 4: do I do about political texts? Well, everyone that gets
Speaker 4: political texts can opt out. You opt out, you can't
Speaker 4: avoid the first ones. If you're a registered voter, if
Speaker 4: you're independent, you're going to get them from both. If
Speaker 4: you're Democratic Republican, you'll get from one or the other.
Speaker 4: But political people have a pass when it comes to
Speaker 4: the no call list. So the first one's free, or
Speaker 4: the first few when you opt out, they should honor it.
Speaker 4: But I'm going to be straight with you. No one's
Speaker 4: going to with No one's going to go after him
Speaker 4: if they don't. Okay, that's the truth. Let's talk to Kent. Hi, Kent,
Speaker 4: I'm Tom Martinez. What's going on?
Speaker 6: Kent?
Speaker 7: Good morning, Tom? Can you hear me?
Speaker 4: I'm sure, Ken Kent? What is happening in your life?
Speaker 7: In April of twenty twenty three, I hired a company
Speaker 7: called Turfin r Fin.
Speaker 4: Apostrophe Turfin and that is a landscaping company or what
Speaker 4: I'm just guessing.
Speaker 7: It's a landscaping company that specializes in synthetic turf installation.
Speaker 4: Turfin and it's an off of a Surfin I guess so.
Speaker 4: And this was April of this year, right, So what happened.
Speaker 7: Pearl of April of twenty twenty three oh of.
Speaker 4: Twenty twenty three. Sorry, okay, got it, go ahead.
Speaker 8: I have a.
Speaker 7: Issue with his performance to the contract. He installed the turf,
Speaker 7: and initially it was great, and it's been out in
Speaker 7: the sun a year and a little over a year,
Speaker 7: maybe four months.
Speaker 4: How much city installed?
Speaker 7: About five thousand square feet? Okay, not insignificant. But you
Speaker 7: know he's not going to retire on my job.
Speaker 9: Right.
Speaker 4: It's a lot of turf, bro, it is okay, yeah,
Speaker 4: it is. It's a lot. So what happened?
Speaker 7: He did not take the scenes down and they started
Speaker 7: coming apart and they're showing straight lines in the turf.
Speaker 7: So I sent him a email or excuse me, that
Speaker 7: text and ask him if he'd come out as he
Speaker 7: said he would do.
Speaker 4: Now, can I ask you something? When you said he
Speaker 4: did not tape the seams down, you're talking as if
Speaker 4: that standard. I don't know what standard. I'm asking you.
Speaker 4: Did you find out that was standard?
Speaker 7: I have since found out that was standard, and he
Speaker 7: just used the big yard pins to nail it down, and.
Speaker 4: That is okay. Did you have another company come out
Speaker 4: and say this was done wrong?
Speaker 2: Yes?
Speaker 4: Okay, keep going, bro, keep going, But you know.
Speaker 7: I'm Okay, as long as it is he comes back
Speaker 7: and tighten up the seams. You know, I'm not a professional.
Speaker 7: I trusted his judgment.
Speaker 4: Yeah, but in the meantime, Yeah, but okay, now does
Speaker 4: turf does the backing on the turf and the tape
Speaker 4: keep weeds from coming through?
Speaker 7: Well? He put down a weed fabric, which was good.
Speaker 10: Okay, he did install that good.
Speaker 4: Okay, So what are we having now? Are what do
Speaker 4: you want right now?
Speaker 7: I want him to fix the scenes and I want
Speaker 7: him to do what he said he would do in
Speaker 7: the contract and what he wrote in the contract, And
Speaker 7: it says there was a low area next to the
Speaker 7: patio that was water was pooling, and it says we'll
Speaker 7: build a retaining wall to help level the area so
Speaker 7: water no longer pools near a patio.
Speaker 4: How much how much would you pay for this job?
Speaker 7: Too much?
Speaker 4: How much would that be too much? Sixteen sixteen thousand? Okay,
Speaker 4: So here's what I want to know. When was the
Speaker 4: last time you talked to this guy?
Speaker 7: I texted him this morning and he told me Turfin
Speaker 7: has gone out of business.
Speaker 4: You're done.
Speaker 7: A new company. Apparently you're done. He's got a new company.
Speaker 6: Okay, you're done.
Speaker 4: I mean, that's what they do. That's what they do.
Speaker 4: They start LLC's, they end l Warranties are only as
Speaker 4: good as the company. I don't care who it is.
Speaker 4: I love my companies on the referral list, but truly,
Speaker 4: when they say a lifetime warranty, like, I'm not picking
Speaker 4: on anybody. I love them all, I really do. But
Speaker 4: if you get any one of them they say a
Speaker 4: lifetime warranty. Let's take Elite garage Floors, by the way,
Speaker 4: the wonderful company. They do the best job I've ever seen,
Speaker 4: Elite garage doors, and they say garage floors are guaranteed
Speaker 4: for life. Okay, Now, if Tony retires and goes out
Speaker 4: of business, who's going to do those floors? I mean
Speaker 4: unless you sell the company someone who takes over that,
Speaker 4: which they won't. No one will. I'm not singling out anyone.
Speaker 4: This is everyone in the world. Everyone who has a
Speaker 4: lifetime warranty. It's the lifetime of the one backing the warranty. Now,
Speaker 4: if they do it repeatedly and there's a pattern of
Speaker 4: deceit and corruption, that's different. If they do it now
Speaker 4: and then it's business. So if this guy sold a
Speaker 4: lot of stuff with warranties and then purposely went out
Speaker 4: of business because all of his claims. And you get
Speaker 4: together with other consumers and prove it and blah blah
Speaker 4: blah blah blah. But normally people don't do that and
Speaker 4: it's not worth it, and these sole practitioners know that.
Speaker 4: So this guy is just what was it just an LLC?
Speaker 4: Or is it a big corporation? What are we talking
Speaker 4: about here?
Speaker 7: I don't know how big it is. All I can
Speaker 7: tell you is, well, wait a minute, let me see.
Speaker 7: So he changed the name of the company to something
Speaker 7: very similar, synthetic Turfin LLC.
Speaker 4: He could call it Turfin number two. I mean, he
Speaker 4: could call it. Listen, they can dissolve the LLC and
Speaker 4: they can reinstitute a new one and they don't have
Speaker 4: to honor the past unless there is fraud.
Speaker 7: I think I'm hinting, hinting to fraud.
Speaker 4: Yeah, well, you can hint all you want. A fraud
Speaker 4: can I want? I want to help you, right, So
Speaker 4: I'm not being a smart ass. You can hint all
Speaker 4: you want, But so what tell me what's fraudulent? Tell me?
Speaker 4: You tell me where he committed fraud and again. When
Speaker 4: I say this, I'm not challenging you. This is an
Speaker 4: example for people listening who think that they're going to
Speaker 4: be able to get something done. I want to know.
Speaker 4: Tell me what he did. This's fraudulent.
Speaker 7: He said he would intall install a French train.
Speaker 4: Okay, do that? All right? Hold on, all right, hold on.
Speaker 4: He breached the contract. The damages are you have no
Speaker 4: French strain. Now here's here's what would be fraud. Fraud
Speaker 4: would be if he never intended to do it, and
Speaker 4: he went ahead and charged you for it, got paid
Speaker 4: for it, and never intended to do it, In fact,
Speaker 4: intended to take the money and not do it. But
Speaker 4: he went out of business. And he'll say, your honor,
Speaker 4: I was going to do it. I ran into financial difficulty.
Speaker 4: I had to dissolve the company. Yeah, Kim, I probably
Speaker 4: think you're right. He probably is a scumbag, especially if
Speaker 4: you find I'm doing more and more of these. Now,
Speaker 4: what is the guy's name, by the way.
Speaker 7: Brian Richmond, Brian Richmond Company. He's in Firestone. Okay, company
Speaker 7: names Colorado Colorado Turfin with an apostrophe, synthetic turf company.
Speaker 4: Well, what you ought to do? What you ought to
Speaker 4: do is let people know online reviews and as many
Speaker 4: reviews as you can do, especially up in his area.
Speaker 4: That's what you can do. I'm serious. It's you're gonna
Speaker 4: have less energy and less money spent having someone fix it.
Speaker 7: But since he's dissolved the first company and started the
Speaker 7: second one, I can't go to small claims or anything
Speaker 7: like that.
Speaker 4: Well you could try, I mean, you know that'll clust
Speaker 4: you fifty bucks. That's not a bad idea. You could
Speaker 4: sue him personally claiming Listen to this, now that the
Speaker 4: LLC was a disregarded entity and you were really doing
Speaker 4: business with him personally, and that he didn't here's what
Speaker 4: you're going to allege. He didn't have the he didn't
Speaker 4: have annual meetings, he didn't have minutes, he didn't keep
Speaker 4: records as an LLC. It was a sham, and that
Speaker 4: he is personally responsible to you. And when he signed
Speaker 4: the contract, he signed it as you know, personally, let
Speaker 4: him prove it was through the LLC. I mean that's
Speaker 4: a shot, right that the guy might that the judge
Speaker 4: might give a judgment against him, might sue him personally, though,
Speaker 4: don't sue the LLC. See what happens you could you
Speaker 4: could possibly win. I'm Tom Martino three h three seven
Speaker 4: one three two five. Go with a sure thing Denver's
Speaker 4: best roofer Excel Roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven seven to one. Help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three all three nine to zero sixteen twenty two.
Speaker 4: Hi Tom Martino here? Do we not have no YouTube?
Speaker 6: Right?
Speaker 4: No, there's nothing we can do about it. Tom, Is
Speaker 4: the laptop down because I might have? I might have
Speaker 4: had that. That might be my problem. Do you want
Speaker 4: me to get I can have somebody recycle it if
Speaker 4: you want to try that, we can. I think I
Speaker 4: might have. I think I was doing commercials in my
Speaker 4: studio and may have because of the fan. I might
Speaker 4: have put it in sleep or something, or put the
Speaker 4: top down. Are you finding it? Not responding it? It's
Speaker 4: not seeing the camera and the connection. So I'm gonna
Speaker 4: I'm gonna see I'll call over to the studio and
Speaker 4: see if we can get that recycled. For those waiting
Speaker 4: for YouTube, thank you, and we will try to get
Speaker 4: on that. I'll call you in the next break. Three
Speaker 4: oh three seven, one three eight two five five. So
Speaker 4: Tony's got a question on maintenance. Not sure what kind
Speaker 4: of maintenance? Oh on a Ford twenty twelve Ford f
Speaker 4: one fifty, guys, let me just ask this straight up.
Speaker 4: With normal weight maintenance, an F one fifty, normal maintenance,
Speaker 4: that's one of the most popular cars in the country, right,
Speaker 4: vehicles with normal maintenance? How long will and I mean
Speaker 4: this now, how long miles or years? Well, let's go
Speaker 4: miles because it could be years. How long will that last?
Speaker 4: How long will without any major repairs just regular maintenance?
Speaker 6: I think one hundred and fifty pretty.
Speaker 4: Easy with no major problems, no majors, as long as
Speaker 4: you do all the maintenance. Do you think that jet thing?
Speaker 6: Yeah, that's about right.
Speaker 11: So I mean you can easily get two and three
Speaker 11: hundred thousand miles out of those trucks as long as you,
Speaker 11: you know.
Speaker 4: Come up around one to fifty. Then what would be
Speaker 4: the first major thing.
Speaker 6: Most likely a transmission you.
Speaker 4: Thinks, Okay, then what we then bottom end?
Speaker 6: Yeah, just front end stuff and in turn.
Speaker 4: Radiators. You know that kind of basically would ever need
Speaker 4: a job an engine engine?
Speaker 6: It shouldn't if you take care of it.
Speaker 4: Really, now, Tony, what's your question, sir?
Speaker 2: Well?
Speaker 12: First to comment on the turf guy, Yesh, I'm in
Speaker 12: the business. Uh, he essentially paid a little more than
Speaker 12: three bucks of square foot if he did five thousand
Speaker 12: square feet, sixteen thousand dollars. I have never bid a
Speaker 12: artificial turf installation job that costs less than ten dollars
Speaker 12: a square foot. Wow, I've already put in fifty thousand
Speaker 12: square feet, I mean five thousand. I think he just
Speaker 12: he spent five thousand dollars, I mean fifty thousand dollars right,
Speaker 12: So at sixteen thousand dollars for five thousand square feet,
Speaker 12: he got what he paid for, honestly, because I can't
Speaker 12: even believe the guy and the material will cost more
Speaker 12: than that. I don't know how it was done. It
Speaker 12: cannot be good material at their installation, and also the
Speaker 12: walls he's going to install walls and include those dollars
Speaker 12: crazy good price, so he shouldn't feel bad about that anyhow. Uh, yeah,
Speaker 12: I have an F one fifty twenty twelve to recently
Speaker 12: rated as the greatest used truck in the history of
Speaker 12: the planet because two hundred and twenty thousand miles. Absolutely
Speaker 12: nothing wrong with it. I'm just wondering, what, since it's
Speaker 12: got so many miles, what am I missing? I've changed
Speaker 12: the training oil and you know you're not missing anything.
Speaker 4: Bro, You're doing everything right. Yeah, you do what you're
Speaker 4: doing exactly. I want to ask something. How many miles
Speaker 4: you said? Two twenty? Wow?
Speaker 12: Twenty?
Speaker 4: Yeah, you're doing great.
Speaker 12: People look at my truck. You know you can tell
Speaker 12: from the front end what year it is or what
Speaker 12: range of years it is because of the headlight and
Speaker 12: the grill.
Speaker 4: Yeah. If you're that much person, I can't do Yeah.
Speaker 12: Yeah, but uh, people look at my truck and say, why.
Speaker 4: Do people love that truck so much? I mean, do
Speaker 4: you tell me, Tony.
Speaker 12: I'm not I will never I will never drive anything, But.
Speaker 4: Tell me what one I mean? I I mean, I'm
Speaker 4: not denying that. I'm just saying, what do people love
Speaker 4: them so much? Why are they? Do they have beautiful interiors.
Speaker 12: I've got the platinum trim. It's fantastic. Uh, it's so comfortable.
Speaker 12: I mean I'll just never drive anything.
Speaker 13: Sure sure, sure, wow, So okay, well I just wouldn't
Speaker 13: make sure I was Well, guys, I mean you just
Speaker 13: heard them say that if if it's moving, it's grooving.
Speaker 4: So you don't do anything until you need to, you
Speaker 4: do your regular maintenance.
Speaker 6: And he's obviously doing it. Well yeah, yeah, well.
Speaker 12: I'm to him. I use by the way, they're a
Speaker 12: great shop. I love Scottie. What's that budget A one?
Speaker 4: Yeah yeah schmid Mark, Yes, he said budget one transmission
Speaker 4: it sent down on Santa Fe.
Speaker 14: Right, yep, yep, yep, Mark mcclaus.
Speaker 4: I think it's Machowsky Mark, great guy, great people.
Speaker 15: Yeah.
Speaker 6: So all right, so listen.
Speaker 4: You're you're doing well. Now you're going to come up
Speaker 4: on a transmission soon. What will that cost there, Jeff?
Speaker 7: A transmission because you're still a four speed, no sixty
Speaker 7: six speed.
Speaker 14: That can cost up words getting you know, around the
Speaker 14: sixty five hundred dollars Mark.
Speaker 12: You know, when it comes to a training, I mean
Speaker 12: I just had the training oil change or flew a change,
Speaker 12: and uh they did a complete checkout and said, everything
Speaker 12: looks fantastic, and when it comes to time to replace
Speaker 12: the training, it's probably time to replace the truck.
Speaker 4: I don't know. I don't know. I mean it depends
Speaker 4: if you like you know, I'm serious, it depends. I
Speaker 4: mean you could, but there you could actually if you
Speaker 4: replace that trainee, get another?
Speaker 6: What get another?
Speaker 4: It's really up to you. At this point. You did
Speaker 4: the right thing by you did the right thing by
Speaker 4: just keeping track of this. Do you know how much
Speaker 4: they're going for in your vintage with all that miles?
Speaker 4: Do you know what they're going for? What do you think?
Speaker 12: I'm afraid to know. Probably five thousand.
Speaker 4: Dollars No, no, way, more twelve to fifteen yeah, twelve to
Speaker 4: fifteen thousand birth yeah, I mean come.
Speaker 12: On, okay, well that's better than I thought.
Speaker 4: Well actually, no, your trim package is more. Absolutely yeah.
Speaker 4: Didn't you have the best? Uh yeah, pretty good? Pretty good.
Speaker 4: I'm telling you, uh hey, you can't. There's a reason
Speaker 4: they're selling out selling everything in the world right now,
Speaker 4: as far as most dependable brands. J f R Cars
Speaker 4: brought this in from Consumer Reports. Now, remember I want
Speaker 4: to tell you something about consumer reports. It's this organization
Speaker 4: obviously is credible, but they do everything on surveys. Okay,
Speaker 4: keep that in mind. They don't go out and actually
Speaker 4: research it, not that they need to, but and surveys
Speaker 4: are probably some of the most can be some of
Speaker 4: the most accurate. But people who have problems report more
Speaker 4: than people that love what they have. Well, well, actually,
Speaker 4: I should put it two ways. If you absolutely love
Speaker 4: perfection and everything, if you're extremely happy, you'll make noise,
Speaker 4: or unhappy you'll make noise. The mediocre, the middle customers
Speaker 4: don't make noise, and it's hard to get them to
Speaker 4: do surveys. But and we don't know the actual realities.
Speaker 4: You could have somebody who said I had nothing but
Speaker 4: trouble with that truck or car, and really it was
Speaker 4: minor and with the right shop it wouldn't have been
Speaker 4: nothing but trouble. So you'll get a faulty survey. I
Speaker 4: get that's just the way it is. But if you
Speaker 4: do go by the surveys of consumer reports, Lexus is
Speaker 4: number one for quality or for reliability. I'm sorry, Toyota's
Speaker 4: number two, Mazda's number three. Now I defy that Mazda
Speaker 4: price me as we come y, guys. Number four is accurate.
Speaker 4: Number five is Honda. I don't know. Let's talk to Mike. Mike,
Speaker 4: you're talking about a Dodge Derrango two thousand and two. Yes, Hi, Tom, Hey,
Speaker 4: what's going on?
Speaker 14: I bought that two thousand and two Durrango in two
Speaker 14: thousand and four and I still have it. I bought
Speaker 14: it with thirty thousand miles on it, and I have
Speaker 14: two hundred and sixty thousand miles on it.
Speaker 4: Oh wow, what did you do to it?
Speaker 14: I just just regular eight AND's I put a radiator,
Speaker 14: a starter, and an alternator on it. That was it
Speaker 14: so far. But I just kept care of it.
Speaker 4: Well you are taking care of it. What are you
Speaker 4: going to do with it? Just run it till the
Speaker 4: wheels fall off.
Speaker 14: I guess I'm not gonna I was going to get
Speaker 14: a truck and sell it, and now I'm not going
Speaker 14: to get much money for trade in, so I'm just
Speaker 14: going to keep it until it falls apart.
Speaker 4: Now, people people who buy vehicle and run it their
Speaker 4: money ahead, or people who lease. I think the weirdest
Speaker 4: thing you can do is what I've done. I think
Speaker 4: I have wasted a ton of money on cars. The
Speaker 4: way I bought them in the past, and I pay
Speaker 4: for them, and I think it's stupid, it's a bad
Speaker 4: use of capital. I'm learning so much about this as
Speaker 4: I actually did the math. I used to want to say, well,
Speaker 4: I own it. I didn't want to payment, I didn't
Speaker 4: want to mess with anything. I just wanted to own it.
Speaker 4: And it was a bad use of capital. It was
Speaker 4: literally costing me way more money than if I had
Speaker 4: leased it. And now this is not in a time
Speaker 4: of my life where I was putting on a lot
Speaker 4: of mileage. That's different. Financing can be a bad thing,
Speaker 4: and of course it all has to do whether leasing
Speaker 4: or buying. It all has to do with acquisition, with purchase,
Speaker 4: with the initial cost. And that's where most people get
Speaker 4: screwed on the initial costs, especially with leasing, because your payment,
Speaker 4: as I say, is artificially low because you're only paying
Speaker 4: for the use of the vehicle. Dealers have a tendency
Speaker 4: to pack the payment that takes out all the value. Right,
Speaker 4: don't you think, Rodney, you're you're leasing guy was here?
Speaker 4: What a great guy. What's his first name? Bob? Bob?
Speaker 4: What a good guy? Now, Bob said, they don't do
Speaker 4: that he'll he'll let you buy whatever you want, but
Speaker 4: he gives you the raw numbers, right.
Speaker 6: We don't pack the numbers. We give you the numbers.
Speaker 5: And and you know the challenge is when people go
Speaker 5: in and say my payments, I want my payment five
Speaker 5: hundred dollars a month.
Speaker 6: Well, they're going to.
Speaker 5: Do everything to make sure it's it's five hundred.
Speaker 4: Yeah. And then well here's the problem. They're they're comparing
Speaker 4: a lease with a purchase and there could be a
Speaker 4: two or three hundred dollars difference. Right, So if there's
Speaker 4: a two or three hundred dollars difference, the dealer says, hmm,
Speaker 4: I'll get him to within one hundred dollars. She thinks
Speaker 4: he's getting a deal. You have just destroyed the benefit
Speaker 4: of a lease. So we'll talk about that coming up.
Speaker 4: If you have any questions, you can call as well.
Speaker 4: Go with a sure thing Denver's Best Roofer, Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup, free no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter.
Speaker 4: Three o three seven one three talk through a three
Speaker 4: seven one three eight two five five. Waterpros dot Net
Speaker 4: the best water systems, the lowest prices ever bar none.
Speaker 4: Oh do I love water pros and you will too.
Speaker 4: Now let's keep going here. Okay, and by the way, oh,
Speaker 4: let me give you the number for water Pros three
Speaker 4: oh three eight six two five five five four. If
Speaker 4: you're gonna get one system, I would go with the
Speaker 4: reverse Osmosis fourteen hundred bucks drinking water, but you can
Speaker 4: also get the softener. And then, hint, hint, I'm gonna
Speaker 4: hit them up during the holidays for another special on
Speaker 4: the whole shooting match. Uh okay, now, Vernon, I'll take
Speaker 4: this call. It sounds like a quick one. You want
Speaker 4: to give kudos. I love kudos. Where you gonna tell
Speaker 4: me how handsome I am?
Speaker 16: Go ahead, Vernon, negative on that all right?
Speaker 11: No, we're talking about maintenance on vehicles. I got a
Speaker 11: f one fifty that has two hundred and forty thousand, My.
Speaker 4: Love, I can't believe all these high mileage guys doing
Speaker 4: great stuff.
Speaker 11: Wowka and Uh, Cody and Sean at silter Hard and
Speaker 11: UH in their service department. They take good care of me.
Speaker 2: Man.
Speaker 4: That's good because silter Hart changed hands, but they're still
Speaker 4: good people.
Speaker 11: I'll tell you what. I got a couple of good
Speaker 11: service guys that are great, and I've been going there
Speaker 11: since so too.
Speaker 14: So they're not.
Speaker 11: I just do regular maintenance on my truck and it runs.
Speaker 6: Like a top.
Speaker 4: Good good good. Hey.
Speaker 14: So the other words.
Speaker 11: The other kudos is Tony garage doors.
Speaker 4: Yeah, not garage doors.
Speaker 11: He did my floor and my patio outside and it
Speaker 11: looks outstanding. I've never met a guy as great as him.
Speaker 4: No, he is a lot. He is so dedicated.
Speaker 11: Oh man, he he came over, he was he was
Speaker 11: not feeling good. He did everything that needed to be done.
Speaker 11: And I was shocked when he did my patio.
Speaker 14: How nice it looks.
Speaker 11: And it's always outside, so I don't even have a
Speaker 11: cover on.
Speaker 4: Mark found him and used him right, and I had
Speaker 4: already and I had already gotten someone to do my
Speaker 4: floors before that who wasn't on the referral list. We
Speaker 4: didn't know anyone. I just tried to find someone. And
Speaker 4: it's the tail of the tail of two floors. Marx
Speaker 4: was ten times better less, it's still perfect. I've actually
Speaker 4: had a little bubbling, a little chipping, you know what
Speaker 4: I'm telling you. It's one of the areas, unfortunately, where
Speaker 4: anyone can get in the business. You just buy the
Speaker 4: stuff and you're in the business. But not everyone deserves
Speaker 4: to be in the business. Elite Garage Floors, by the way,
Speaker 4: let me let me make that clear. ELITEGF dot com.
Speaker 4: That's the website. You'll never find better. You just won't.
Speaker 6: You know.
Speaker 4: I can say this about certain people on my referral
Speaker 4: list based on actual experience, Like when it comes to
Speaker 4: concrete lam landscaping, this guy's a perfectionist pain in the ass,
Speaker 4: perfectionist pain in the ass, perfectionist painter, Steve the painter.
Speaker 4: Oh my god. I mean, like, I love these people.
Speaker 4: Now they're small, well they're getting big, but but they
Speaker 4: don't want to be giant a perfectionist roofer. They are
Speaker 4: big excel roofing. I mean people. I didn't last forty
Speaker 4: five years by by giving out bad names. Every once
Speaker 4: in a while, we may hit it a little wrong,
Speaker 4: we get someone who but we've never had anyone just
Speaker 4: screw people, or never have anyone just really really bad.
Speaker 4: Thank God. Right now, Bill's got a comment on auto leasing,
Speaker 4: which I wanted to go over and to go home. Bill,
Speaker 4: what did you want to say?
Speaker 17: Okay, you forgot that.
Speaker 7: You said it.
Speaker 17: I didn't hear it. You forgot to tell them. See
Speaker 17: what I did was I leased my car for three
Speaker 17: years and then with COVID and everything, I put fifteen
Speaker 17: hundred miles on it and I bought.
Speaker 7: It at the end of the lease.
Speaker 4: That's all right, Yeah, that's all right.
Speaker 17: Yeah, so I got a brand new car almost And
Speaker 17: I know what was You.
Speaker 4: Know right, you bought a used car from yourself. You
Speaker 4: did it right. And people can do that if they
Speaker 4: like to keep cars a long time. That is not
Speaker 4: a bad system. It really isn't. And in that case, Rodney,
Speaker 4: in that case, we may have to call your lease guy.
Speaker 4: But I think I asked in this if I go
Speaker 4: over miles, but I'm going to buy it for myself.
Speaker 4: I don't pay a penalty right to the leasing company.
Speaker 4: I just know, I just pay the residual. If I'm
Speaker 4: willing to pay the residual, there's no downside. It has
Speaker 4: a little more miles. But here is the downside. You
Speaker 4: want to know what it is if I put too
Speaker 4: many miles on it and I buy it from myself
Speaker 4: for the residual. Let's say it's a forty thousand dollars residual. Technically,
Speaker 4: if I took that forty I might be able to
Speaker 4: find another car like mine with lower miles. Technically if
Speaker 4: I over miled it.
Speaker 6: Right right now. But you know the history.
Speaker 4: That's that's the point is you know how you treated it,
Speaker 4: and you're not going to lie to yourself like Tom,
Speaker 4: did you take good care of it? Yes? I did? Tom.
Speaker 4: You know you know if you did or not. That's
Speaker 4: that's the important thing. Now I'm going to go over
Speaker 4: leasing coming back. We got more coming up. The trouble
Speaker 4: for your show. Go with a sure thing Denver's Best
Speaker 4: Roofer Excel roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free
Speaker 4: no obligation. Comparison call Compass insurance paying too much your
Speaker 4: coverage at dozens of insurance companies. Find out now three
Speaker 4: oh three seven to seven to one help You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate man dot com to list your home with
Speaker 4: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 4: Hi Tom Martino here three oh three seven one three
Speaker 4: talks seven one three eight two five hive. Now, I'm
Speaker 4: gonna give ridiculous numbers because ridiculous numbers help bring home
Speaker 4: a bring home the story. If if you wanted to
Speaker 4: buy a really fancy car over two hundred grand, okay,
Speaker 4: the monthly payment on that extraordinarily high, I mean giantly high.
Speaker 4: If you put cash down, you tie up maybe two
Speaker 4: hundred and fifty grand two hundred and forty I'm talking
Speaker 4: about like a g Wagon. And by I'm just having fun,
Speaker 4: I mean I could have run these numbers on any car.
Speaker 4: But it does show because no matter what car you buy,
Speaker 4: it's all going to be about the same relatively the same,
Speaker 4: meaning the spreads. Now, if you do a going lease
Speaker 4: payment for a g Wagon for thirty six months, at
Speaker 4: the end of thirty six months, you will have invested
Speaker 4: one hundred thousand, one hundred and one thousand. Now that's
Speaker 4: at the end of three years. Now you might think
Speaker 4: that now that, by the way, that's a lot of money. Okay,
Speaker 4: But if you bought that, I mean a lot of
Speaker 4: people buy them. A lot of people listening to me
Speaker 4: buy them. Okay, Now make that cheaper. You could have
Speaker 4: fifty thousand in a lesser car. It doesn't matter. I'm
Speaker 4: just doing this because it's fun. Because it's a lot
Speaker 4: of money and it's fun. So let's say you have
Speaker 4: one hundred and one thousand dollars invested. At the end
Speaker 4: of three years, you tan that back, you walk away
Speaker 4: if you want. Okay, Now you might think, my god,
Speaker 4: you just wasted one hundred and one time. But listen
Speaker 4: to the idiots that buy those. Now they're putting out
Speaker 4: two hundred and some thousand dollars. So they had for
Speaker 4: that three years an extra an extra one hundred and
Speaker 4: fifty grand. Not working for him, That ur one hundred
Speaker 4: and forty. That one hundred and forty was not in
Speaker 4: their bank or not in investments. It was not working
Speaker 4: for them. It was sitting there doing nothing, done zero
Speaker 4: and at the end of three years now they have
Speaker 4: to sell that vehicle or trade it, they will never ever,
Speaker 4: even though you think you will get as much as
Speaker 4: the residual value, here's why you think you will, but
Speaker 4: you won't. If you trade it, you definitely won't. If
Speaker 4: you try to sell it, you may, but then you
Speaker 4: have to pay. I mean, if you want to go
Speaker 4: buy another car sales section, I'm telling you that you
Speaker 4: will never and you'll never make up for the money
Speaker 4: lost on the one forty. You had out for three
Speaker 4: years doing nothing, doing zip nothing, nothing, And if you
Speaker 4: stay within mileage, you literally if you admortise what you
Speaker 4: could make on the one forty, even at a T
Speaker 4: bill rate, and you figure the walking away, the no
Speaker 4: maintenance and the three years. Yeah, you spent a lot
Speaker 4: of money, but you had a g Wagon rank. Now
Speaker 4: apply that to any car. You are miles ahead. Literally
Speaker 4: if you can do that with any car, if you're
Speaker 4: going to finance that, the finance charges, the finance charges
Speaker 4: would be more, way more, and you'd be financing the
Speaker 4: whole thing. And again you would have a substantial down
Speaker 4: payment if you wanted to keep the payment even reasonable,
Speaker 4: and you'd have more of a cash outlay, not only
Speaker 4: would you have more capital outlay, but you'd have money
Speaker 4: you couldn't recover on any level, whether it's this you know,
Speaker 4: being fun over two hundred, or you buy a car
Speaker 4: for seventy or eighty or sixty. If you can stay
Speaker 4: within the miles and stay within the years, you are golden.
Speaker 4: We got more coming up. Go with a sure thing
Speaker 4: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance check
Speaker 4: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three oh three seven to seven to 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 two ripped up news that you don't happen.
Speaker 2: Come running just as nat as we can show.
Speaker 1: Shooter's gonna help, Come man, This is.
Speaker 3: The Troubleshooter Show. No Tom Martino, Hey.
Speaker 4: Tom Martino here, Welcome to the show. Three oh three
Speaker 4: seven to one three talk is our number. But you
Speaker 4: can call three oh three Martino twenty four seven three
Speaker 4: oh three six two seven eight four sixty six. Okay,
Speaker 4: it's a Friday, be happy.
Speaker 2: You know.
Speaker 4: The good thing about a four day weekend last week
Speaker 4: is that it's a short week this week, so you
Speaker 4: have four and four. Yeah, so welcome, and we're here
Speaker 4: to help you solve, solve problems, answer questions, take complaints.
Speaker 4: It's not really a four day weekend. It's a three
Speaker 4: day weekend. Three day sorry. Sorry, So anyway, we're here
Speaker 4: saw solving problems for you. It's car Day today. I
Speaker 4: have Kevin Colkin from Sheridan Auto tech dot com. We
Speaker 4: have Jefffick Transmissions Denver dot com, which is camera transmission.
Speaker 4: We have Rod Greer with jfrcars dot com. He's a
Speaker 4: car dealer extraordinary. We're talking about leasing and buying and
Speaker 4: all that. If you have comments, then we have Gary
Speaker 4: on the line. Wants to talk about mortgages. So we
Speaker 4: talk about anything about life, liberty and the pursuit of happiness.
Speaker 4: But one thing I want to say, since it's car Day,
Speaker 4: I I know the country says the country says, and
Speaker 4: not just the country government and incentives say, but people say,
Speaker 4: electric cars are good. I don't I don't know if
Speaker 4: it's a majority of people, but evs are getting popular
Speaker 4: and EV's are considered good, they're considered well, they are
Speaker 4: can I don't know anyone. Maybe some people hate them,
Speaker 4: but most people see they're pretty good. I love I
Speaker 4: love the do give an electric car. Here's the problem,
Speaker 4: and I'm just going to say it because I don't
Speaker 4: know why, but we are not rewarding people who buy
Speaker 4: electric cars. And I'm going to tell you why. We
Speaker 4: simply do not give them resale value. And I say
Speaker 4: we because that's what it is. People do not. They
Speaker 4: are the worst buy you can make for a new car,
Speaker 4: the worst.
Speaker 6: Well, you're but your your savings is on the front side.
Speaker 4: What's that Your.
Speaker 5: Savings is on the front right by the all the
Speaker 5: government stimulus and if.
Speaker 4: You qualify and get them right, you're right. But you
Speaker 4: really really are going to take a hit. Oh big,
Speaker 4: I mean, I don't. I don't understand why though, Why
Speaker 4: do they depreciate so much? If you have a Model
Speaker 4: S Tesla and you drive it moderately and you love it,
Speaker 4: in three years you don't have much left well, I think,
Speaker 4: and you you have at least seven years left on
Speaker 4: the battery, right.
Speaker 5: I think they're overpriced in the bit on the on
Speaker 5: the front side.
Speaker 4: I don't know. If you pay ninety six grand for
Speaker 4: a model ASS one hundred grand, what are they? I mean,
Speaker 4: I'm telling you, when you look at cars dot com,
Speaker 4: you want the best deal in the world, buy a
Speaker 4: used electric car. Holy crap. But they're bad deals new
Speaker 4: I don't want them to be. I mean, I had
Speaker 4: my eye and a couple I never pulled the trigger,
Speaker 4: mostly because of my wife. She just I mean, she
Speaker 4: doesn't want to be electrified.
Speaker 18: But tom, look look at the deal I got on
Speaker 18: my on my Corna. It's a beautiful car, same thing,
Speaker 18: ten years, one hundred thousand miles. The out door price
Speaker 18: before taxes and title was twenty.
Speaker 4: Seven Nobody can believe that he got. Oh, I'll show
Speaker 4: you the No I believe you so, But okay, so,
Speaker 4: but I don't know about your resale. I don't know
Speaker 4: how I can go down much, but it will. But
Speaker 4: the model, the Tesla's are the ones taking the biggest hits.
Speaker 4: Maybe I should qualify that the two oh Rivians too,
Speaker 4: but they're.
Speaker 6: All high in cars though. I think that's the.
Speaker 4: Yeah, but a lot of high in cars carry some
Speaker 4: good trade and value. My God, that that g that
Speaker 4: I that g wagon I had, I got as much
Speaker 4: for it when I trade that I when I sold
Speaker 4: it used.
Speaker 5: I think that's probably the exception of then the rule,
Speaker 5: because the most car, most cars, that has the most fat,
Speaker 5: he has the.
Speaker 4: Most fat, the most appreciation. Right if you overpay. Let's
Speaker 4: talk to Gary about mortgages. Go ahead, Gary, what's going on?
Speaker 14: Okay?
Speaker 19: I got a quick question. I don't understand. Basically, I
Speaker 19: guess how mortgages work. Maybe I'm not thinking of it
Speaker 19: correctly or something. I don't know the inside tracks. But anyway,
Speaker 19: let's I bought a house down car Springs where I
Speaker 19: live at in two thousand and eight for one hundred
Speaker 19: and thirty nine thousand on paper, and I financed it
Speaker 19: and with the VA, so it's covered with the VA loan.
Speaker 19: It was a refinanced for once to get the interest
Speaker 19: right down to like four and a half percent. Now,
Speaker 19: so I've been living in the house for fifteen years
Speaker 19: and it's one hundred and thirty nine thousand on paper,
Speaker 19: but it's been assessed value wise, it's going up a
Speaker 19: couple of times. So right now it's worth about two fifty.
Speaker 19: But my question is, after having lived in the house
Speaker 19: for fifteen years, an interest right now at four and
Speaker 19: a half percent, the principal balance owed on it is
Speaker 19: like one hundred and nine. So I've only paid out
Speaker 19: thirty nine thousand in fifteen years, right, I don't understand.
Speaker 19: I mean, because I understand, you know, over a period
Speaker 19: of time, you know the estro is short.
Speaker 10: So they I'll.
Speaker 4: Tell you, I'll tell you why, Gary, it's it's it's
Speaker 4: a little difficult to understand. And I don't mean for you,
Speaker 4: I mean for everyone and for me. But they're not
Speaker 4: amortized like a regular loan. They right, Well, here's what
Speaker 4: I mean. If you had one hundred thousand dollars loan
Speaker 4: that had simple interest, you would pay that, you would
Speaker 4: make a payment. And here's how to look at it.
Speaker 4: If it was interest only at ten percent, one hundred
Speaker 4: thousand you'd pay. You'd pay ten thousand a year in interest,
Speaker 4: right right? Ten percent? Okay, and that ten thousand, So
Speaker 4: if you paid ten thousand a year, your balance would
Speaker 4: stay at one hundred. If you then took and made
Speaker 4: principal payments every month, your principal payment would go down
Speaker 4: accordingly and be subtracted from. So if you made a
Speaker 4: fixed payment of a certain amount of money, your fixed
Speaker 4: payment would go against the principle and interest evenly. So
Speaker 4: you'd pay that ten thousand, let's just call it, like
Speaker 4: eight hundred bucks a month would go toward interest. None
Speaker 4: of that would come off your principle, but everything above
Speaker 4: that would be off your principle. And then each then
Speaker 4: each month your interest would be less, okay, and you
Speaker 4: would pay it off quickly and you wouldn't have that.
Speaker 4: That's simple interest on a mortgage. On a mortgage, you
Speaker 4: pay interest first, they amortize it, so the investor gets
Speaker 4: interest first, and then you start. So over a thirty
Speaker 4: year loan, roughly half of it is mostly interest and
Speaker 4: the other hands is mostly principal. It's done. It's done
Speaker 4: to attract mortgage bonds and interests and investors. Okay, you
Speaker 4: don't wait, you don't get little. If they had to wait,
Speaker 4: interests would be higher. For example, if I was going
Speaker 4: to loan out one hundred grand and have it amortized
Speaker 4: over thirty years, I wouldn't do it for thirty for
Speaker 4: dividing my interest by that many months, I wouldn't do it,
Speaker 4: No one would do it. But if you get a
Speaker 4: lot of your interest upfront, or even points upfront, that's
Speaker 4: a whole different topic. That's that's a hit you get
Speaker 4: and you get to keep it. Like for example, if
Speaker 4: I gave you one hundred thousand dollars loan, I want
Speaker 4: two points, you literally would pay two percent to me
Speaker 4: two grand just for me doing it, and I, you know,
Speaker 4: I'll just and then I get to keep that, plus
Speaker 4: I get my interest. So the point is this, there's
Speaker 4: an amortization schedule, and the only way to understand it
Speaker 4: is to look at that schedule, and you'll see in
Speaker 4: the beginning you're paying pennies on the principle, and it
Speaker 4: gets more and more and more and more and more. Okay,
Speaker 4: that's what it is, right, and then at the go ahead, Oh,
Speaker 4: I mean.
Speaker 19: That's kind of what that's kind of the point of
Speaker 19: my question is. You know, it's been there for fifteen
Speaker 19: years and it doesn't seem like I've paid off very much.
Speaker 19: But it's like, so now as I've kind oft made
Speaker 19: that midway mark, I should start seeing more start coming
Speaker 19: off the principal.
Speaker 4: No, you unless you refly when you refi, you don't
Speaker 4: keep the same term, you go back to thirty Okay.
Speaker 4: So that's the problem. To see a lot of people
Speaker 4: when they refi, they ReClock the loan. That's the bad
Speaker 4: way to do it. The right way to do it
Speaker 4: would be to refight to get the lower interest and
Speaker 4: keep the term where it is. That's the but that's
Speaker 4: what people don't do, and a lot of places won't
Speaker 4: do it. So here's another thing to keep in mind.
Speaker 4: If you took a thirty year amortization schedule, you got
Speaker 4: to visualize this and look at each payment as a line.
Speaker 4: One through twelve is the first year, right, and then
Speaker 4: thirteen through twenty four the second year. Okay, look at
Speaker 4: each payment as a line. You'll see on the first
Speaker 4: line there's a certain amount of interest and a certain
Speaker 4: amount of principle. Here is what you can do, but
Speaker 4: you must do it with a schedule. You take the
Speaker 4: line you're on and you make that payment. Then you
Speaker 4: go to the second line and make that principal payment
Speaker 4: only right now, See when you do that, the next
Speaker 4: payment you make will be the line after that. You
Speaker 4: have skipped that entire line by just paying that little
Speaker 4: bit of principle. If you do that every single month,
Speaker 4: eventually you'll be paying a lot of principle. But it'll
Speaker 4: take a while. But in your fifteen years, your thirty
Speaker 4: year loan would have been paid off.
Speaker 19: Right, Yeah, I want to. I mean I made my
Speaker 19: payment religiously every month and on that lead.
Speaker 4: And by the way, people don't have to have a
Speaker 4: fifteen year loan to do it. You can have a
Speaker 4: thirty year loan and you can self amortize it to thirty.
Speaker 4: You just go to the next line of principle. The
Speaker 4: next line of principle, you market principle. They must take
Speaker 4: it off. Do not make double payments. People make the
Speaker 4: mistake of making double payments. You don't have to pay
Speaker 4: interest in advance, simply pay principle.
Speaker 19: Yeah, if you were making an additional payment, it should
Speaker 19: be strictly principal and.
Speaker 14: Not to go to the right.
Speaker 4: And there's no reason if you're going to stay in
Speaker 4: the house to do anything more than the principle on
Speaker 4: the next line. In the beginning, people get bold because
Speaker 4: they see how small the principle is. A I want
Speaker 4: to do more? Who you can if you on, I guess,
Speaker 4: But then it gets to be uh, then you get
Speaker 4: higher up on the principal scale and it gets your
Speaker 4: payment climbs quickly. It's however you want to do it,
Speaker 4: But you can do that on your own, and I
Speaker 4: recommend that people do it whenever they can, whenever they're flush,
Speaker 4: they should do it and reduce principle. But you go
Speaker 4: directly to the principle and you'll love it your your loan.
Speaker 4: It may not affect the payment you're making on interest,
Speaker 4: like you're still going to have the same level payment,
Speaker 4: but it affects the term of how long you make
Speaker 4: that level payment.
Speaker 19: Yeah, because I mean, I bought my house to job
Speaker 19: nate and I'm I'm not complaining because I have a
Speaker 19: house right and I work in an apartment complex and
Speaker 19: Collin Springs and what they're ready pharmis for is more
Speaker 19: than my mortgage payment.
Speaker 10: For a bed o.
Speaker 4: It's terrible. It's terrible those who took advantage of low
Speaker 4: interest rates and own they're golden. We have more coming
Speaker 4: right up. I'm going to talk about a question on
Speaker 4: insurance homeowners insurance and also the no call list. Go
Speaker 4: with a sure thing Denver's Best Roofer Excel roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three oh three seven to seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, you're
Speaker 4: a troubleshooter at three oh three seven one three talk
Speaker 4: three oh three seven one three eight two five five.
Speaker 4: Dan McKenzie is an estate planning attorney that I hope
Speaker 4: you never need, but everyone needs it, you know. I mean,
Speaker 4: I hope you don't need a mine tomorrow, but get
Speaker 4: an estate plan mackenzie Law. He's on the referral list
Speaker 4: at referral list dot com. He's a good guy and
Speaker 4: that's uh eight three three Coe plans. And somebody asked
Speaker 4: me about Excel roofing. They said, Tom, is it true? Now?
Speaker 4: They want to know this, is it true that I
Speaker 4: don't have to sign to have somebody look at my roof?
Speaker 4: Because I say, Excel doesn't make you sign anything they
Speaker 4: they claim. This person claimed from another roofer that it's
Speaker 4: for liability that if you don't sign something and they
Speaker 4: get hurt, then you have to pay for it as
Speaker 4: a post and your homeowner's insurance as opposed to their
Speaker 4: workers comp because you're not hiring them. That is the
Speaker 4: biggest crock of crap I have ever heard. If a
Speaker 4: roofer comes to your house to look at your roof
Speaker 4: to see what you need, you don't have to sign anything.
Speaker 4: Their workers comp would still cover them if they're on
Speaker 4: the job. They don't have to be being paid to
Speaker 4: do a roof to be on the job, so they're
Speaker 4: on the job for the roofing company, not for you.
Speaker 4: And so don't ever sign anything at the door. And
Speaker 4: Excel will never make you and they'll never take your
Speaker 4: first insurance check or your second insurance check or your third.
Speaker 4: They just pay you pay when you're done. E x
Speaker 4: C LXL roof dot com. I want to make that
Speaker 4: clear because I'm pretty pissed at these people that make
Speaker 4: people sign. So let's talk about insurance, Brent. What's going
Speaker 4: on with you and your homeowner's insurance? How can we
Speaker 4: help you?
Speaker 16: Hi?
Speaker 14: Hey for taking me?
Speaker 20: Yes, sir, I'm so last year in June on the
Speaker 20: twenty third, when the tornado went through, I was where
Speaker 20: it almost kind of started. It didn't completely form, but
Speaker 20: it was strong enough winds and things to do a
Speaker 20: fair amount of damage to my house.
Speaker 4: So it was wind damaged, wind damage. When was this
Speaker 4: wind damage? And hell wind inhale.
Speaker 20: The June twenty second, Yeah, twenty okay, got it?
Speaker 4: Twenty got it.
Speaker 20: And so I'm dealing with the siding part. I think, well,
Speaker 20: I'm kind of got that. But basically my fence was
Speaker 20: damaged and it it broke, the broke off from the
Speaker 20: bottom the So you're.
Speaker 4: Siding your fence. What else? Did you have a roof
Speaker 4: problem too?
Speaker 14: Yes, they fixed the roof already.
Speaker 20: Got that's a whole nother actually dealing.
Speaker 4: Roof, siding, and fence. By the way, you could have had,
Speaker 4: uh Genesis do all three of those. Okay, So anyway,
Speaker 4: so ask your question then about your fans.
Speaker 20: So they've kind of preapproved that. Now, the first contractor
Speaker 20: came out didn't do a great proper job of the
Speaker 20: evaluation of things. This is part of what I've been
Speaker 20: battling with the insurance company. And I got a new
Speaker 20: contractor and he's done a lot of help. But they
Speaker 20: agreed to have several posts replaced at the beginning. But
Speaker 20: when the new contractor came out and said, oh no,
Speaker 20: these are all these are like broken, broken free. We
Speaker 20: need to replace, you know, a lot more square footage.
Speaker 20: So then we sent it back to the insurance company.
Speaker 20: And now they're saying, oh, well, we looked at the
Speaker 20: pictures and they we were deeming.
Speaker 14: That this is.
Speaker 20: Oh guy, what's the what's the wear and tear?
Speaker 15: Yeah?
Speaker 20: And I'm like, and I talked to one of the
Speaker 20: managers over at liber and I said, Hey, how is
Speaker 20: this possibly wear and tear? When the when the wind
Speaker 20: was strong enough to completely break it free from the
Speaker 20: pence post in the ground.
Speaker 4: Well, here's what they're saying. If your fence was deteriorated,
Speaker 4: falling apart and the wind just did it in, that's
Speaker 4: what they're saying.
Speaker 11: I do it wasn't.
Speaker 20: That's what I was trying to tell. I like, I
Speaker 20: can climb on the fence, I could wiggle or not.
Speaker 20: I try to wiggle the fence, but I couldn't wiggle it.
Speaker 20: The thing was standing. There's nothing.
Speaker 4: So they're claiming part they're claiming part of your damage
Speaker 4: is wearing tear. Is that correct?
Speaker 20: Yes, Yes, that's what I'm trying to figure out.
Speaker 21: I'm trying to figure out their little to say of
Speaker 21: skin so well, I don't like insurance, so they reduced
Speaker 21: the claim by how much?
Speaker 4: Tell me how much is at stake here?
Speaker 20: Well, the whole fence, I would say is probably like
Speaker 20: a six thousand dollars job.
Speaker 4: To and they're saying they're not going to pay six grand.
Speaker 21: They're saying they're not nothing. How much you're not going
Speaker 21: to cover They're not covering any part of it.
Speaker 20: No, well that's what they that's what she just told me.
Speaker 20: But they actually preapproved that they were going to take
Speaker 20: some posts. But now they're backtracking saying they're not going
Speaker 20: to cover any Now I'm.
Speaker 4: Going to tell you what to do. All right, you're
Speaker 4: going to say this. If you don't say this, because
Speaker 4: this is what I would say, I don't think you'll win,
Speaker 4: but this is what you do first, then call us back.
Speaker 4: You're going to say is this a recorded line? If
Speaker 4: they say no, say well I hope it is. If
Speaker 4: it's not a recorded line, please take notes. I have
Speaker 4: a policy with you and I have an expert, two experts,
Speaker 4: or however many tell me my fence has been destroyed
Speaker 4: by the hail. You guys did not have an expert
Speaker 4: come out, but evaluated that claim by photos, and you
Speaker 4: claim it's normal wear and tear in Colorado. If I
Speaker 4: take you to court for bad faith for not paying
Speaker 4: a legitimate estimate and claim, I will get treble damages.
Speaker 4: I am putting you on notice that if you do
Speaker 4: not have someone come out here and meet with my
Speaker 4: fence contractor and give me a good reason, I will
Speaker 4: be suing for treble damages.
Speaker 20: You got it treble, trouble or trouble.
Speaker 4: It's triple really, but they call it treble in the law.
Speaker 4: This she'll know what you mean. He'll know what you mean.
Speaker 4: Please do that. You remember you're a policy holder. You
Speaker 4: had experts, You had experts on site determine this. They
Speaker 4: determine by photos alone. You do not need it and
Speaker 4: as normal wear in tear in Colorado, you're entitled to
Speaker 4: sue for bad faith if they ref use to pay
Speaker 4: a legitimate claim and estimate, and you are putting them
Speaker 4: on notice that if they don't have someone there to
Speaker 4: meet with your people and to determine it for real,
Speaker 4: you believe the decision is arbitrary and you're going to
Speaker 4: sue for trouble, damages for bad faith. Just say that,
Speaker 4: please and call me back because they're going to say, okay,
Speaker 4: we're going to pay Okay.
Speaker 14: Now, one last thing I do.
Speaker 20: I do know this from what I've understood, is she
Speaker 20: did explain to me the meaning the manager of liberty
Speaker 20: that it also depends where the fence lines up on
Speaker 20: the actual property itself, whether they're going to pay.
Speaker 15: Half or not.
Speaker 4: Okay, now that's true, and that let me tell you why.
Speaker 4: Because if it's your fence, they pay for it all.
Speaker 4: If it's your neighbor's fence, they pay for none of it.
Speaker 4: If it's a split fence where people pay half in half,
Speaker 4: they're going to pay your half. That's you got to
Speaker 4: figure that one out.
Speaker 20: Yeah, yeah, I kind of figured so was one of
Speaker 20: the things I was going to do. I just wouldn't
Speaker 20: want to invest.
Speaker 4: But listen, your eight jo A would would dictate that
Speaker 4: with a joint fence agreement or if it's right on
Speaker 4: the line, you usually split it. But if it's if
Speaker 4: it's set back into your property, it's yours. If it's
Speaker 4: set back onto theirs, it's theirs, call us back when
Speaker 4: you find out, and wait till you call them too.
Speaker 4: Three oh three seven one three eight two five five
Speaker 4: Mike Scott questions on a no call list? Mike, what
Speaker 4: is your question?
Speaker 22: Hey, Tom, thanks for taking my call. I remember you
Speaker 22: had a caller maybe in last year, talked about using
Speaker 22: the statutes to sue these UH selectors call you right,
Speaker 22: what was the procedure for that? And then two now
Speaker 22: they have these third parties calling. How do you approach
Speaker 22: getting at the instigator of the call rather than the
Speaker 22: third party.
Speaker 4: You don't have to the third party is the one.
Speaker 14: Violating, Okay, but they're or something.
Speaker 4: Well that's true, that and that's true. So then you
Speaker 4: would go to the company. Here's what this person did
Speaker 4: that called us. They gather enough information, even if they
Speaker 4: have to become a lead, to find out who's calling them,
Speaker 4: and then they prove they're on the no call list.
Speaker 4: They put in a complaint with a state, and then
Speaker 4: I believe there's monetary damages awarded. So you sue them
Speaker 4: in small claims court for the violation. It's that simple,
Speaker 4: but you have to get enough information. You can't. I mean, obviously,
Speaker 4: if they don't give it, if they're COI. If they're so,
Speaker 4: you don't tell them up front, you're suing. You get
Speaker 4: them enough information, pretend you're a lead, and then get
Speaker 4: the information. Go with a sure thing Denver's Best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up free, no obligation.
Speaker 4: In comparison, call Compass Insurance paying too much your cover
Speaker 4: at dozens of insurance companies find out now three all
Speaker 4: three seven seven to one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the real estate
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three all three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Martino here three all three seven one three talk
Speaker 4: seven one three eight two five five Suzanne, what's going
Speaker 4: on with the nursing home? Suzanne? What's happening? Suzanne? What's
Speaker 4: going on?
Speaker 23: Hi? Yes, Hi, thank you for taking my call.
Speaker 4: How can we help you?
Speaker 23: Well, okay, here's my problem, Well, not my problem. Well
Speaker 23: it's been delt on me. If you will, what is it?
Speaker 23: But okay? Twenty fourteen, I was crossing the street at
Speaker 23: the crosswalk with my boyfriend at the time, and we
Speaker 23: got hit by a drunk I was speeding with no insurance.
Speaker 23: That's what the hospital told me when I woke up
Speaker 23: from my medical induced coma. My god, I've been at
Speaker 23: different nursing homes through the years.
Speaker 4: Oh no, you did you ever let me let me
Speaker 4: ask you something, Syne back in twenty fourteen when this
Speaker 4: happened to you and afterwards, did you ever sue or
Speaker 4: get money from this other driver's insurance or from him
Speaker 4: or from anyone.
Speaker 23: I did hire an attorney and he told me I
Speaker 23: got X amount of dollars, which with a lot of money.
Speaker 23: And I went to his office and I didn't even
Speaker 23: have a checking account at that time, so I only
Speaker 23: took one thousand dollars in one I called him back
Speaker 23: to make another withdraw once I got a checking account.
Speaker 23: He said, you took it all.
Speaker 4: Wait a minute, and Suzanne, this is serious. This was
Speaker 4: back in twenty fourteen or two thousand fifteen when you
Speaker 4: actually got the.
Speaker 23: Settlement fourteen when I got here.
Speaker 4: But when did you get the settlement in twenty fourteen
Speaker 4: or fifteen or sixteen?
Speaker 23: When I don't know, probably at least a year or
Speaker 23: two later.
Speaker 4: Okay. The problem is we have a statute of limitations,
Speaker 4: meaning it might be difficult to go back after the attorney.
Speaker 4: Who was the attorney back then.
Speaker 23: Todd bovoo?
Speaker 4: Is he still around?
Speaker 23: I believe so, but I don't even have access to.
Speaker 4: It, because you should ask for your.
Speaker 23: Complete phone nowadays.
Speaker 4: You should ask do you know what the final settlement was?
Speaker 23: I mean, come on, it was like fifty some thousand.
Speaker 4: And you got one thousand dollars of it.
Speaker 23: Yeah, and he told me that he gave it all
Speaker 23: to me, and I told him, I said, well, then
Speaker 23: I don't remember what nursing?
Speaker 4: What is his name? Todd?
Speaker 2: What?
Speaker 4: How do you spell his last fall?
Speaker 2: B o v oh?
Speaker 14: I believe And okay.
Speaker 4: I want to get our personal injury expert on to
Speaker 4: talk about this. I want to ask him a question
Speaker 4: about it. Hold on, all right, I just want to
Speaker 4: find out. I think we're going to have a problem
Speaker 4: with the statute of limitations. Uh, can you are you
Speaker 4: looking for him, Kevin? I'm not. Do you see him anywhere?
Speaker 4: Personal injury attorney b o v oh, Todd? Do you
Speaker 4: see him? Is he still around?
Speaker 6: Bovo law, Elsie Bovo law.
Speaker 4: Okay, I want to talk to John Fuller just in
Speaker 4: general about p I personal injury after this many years,
Speaker 4: I mean, she should get a full accounting now. It
Speaker 4: is possible because it sounds like she had a close
Speaker 4: head injury. I mean, she was in a coleman all that.
Speaker 4: It could be she's not remembering. I mean, I'm not
Speaker 4: saying I'm not accusing her of that, but it could be. Wow,
Speaker 4: Deputy bow what's going on, Deputy bow? Hey?
Speaker 16: I went out to Ron's apartment.
Speaker 4: Yeah, okay, here, let me explain this. Let me explain this.
Speaker 4: Ron called and said he has a leak from his
Speaker 4: ceiling and he said it's coming from his AC unit.
Speaker 4: They replaced the AC unit, but he still has it
Speaker 4: coming in. Then he said the only way he was
Speaker 4: able to stop the water was turning off his water heater,
Speaker 4: which I had no idea what he was talking about.
Speaker 4: Later on, people told me that apartment houses sometimes have
Speaker 4: water cooled and water heated water based systems, and it
Speaker 4: could be his water heater sharing some of that with
Speaker 4: the unit in his place, the air mover, and that
Speaker 4: it could be moving over a water coil, and that
Speaker 4: could be happening, but we had no idea and all
Speaker 4: we know is we had to put eyeballs on it.
Speaker 4: You were in the business, in the HVAC business, What
Speaker 4: did you find?
Speaker 16: So I went out there and actually when he called,
Speaker 16: they were actually the apartment complex who was replacing the coil.
Speaker 16: During the call, he was at work. So by the
Speaker 16: time I got out there, like at seven o'clock at night,
Speaker 16: they did the work.
Speaker 7: But he has a very simple system.
Speaker 16: He has a water heater, okay. And the water heater
Speaker 16: does double duty. It provides the domestic water for shower
Speaker 16: shink and it also heats the apartment.
Speaker 4: Okay.
Speaker 16: The water heat has a scoil up in the attic.
Speaker 16: So it was the water from the water heater that
Speaker 16: was causing the flooding, okay. So, and it was when
Speaker 16: the when it developed the leak, it was like forty
Speaker 16: pounds pressure. There was significant amount of water got it.
Speaker 22: So but what the bottom.
Speaker 7: Line is there?
Speaker 16: The story is that the apartment complex is charging him
Speaker 16: fifteen hundred dollars for the repair. They said it's his responsibility.
Speaker 16: And I called the property manager this morning twice left
Speaker 16: the message that's certainly not his responsibility. Because they said
Speaker 16: he caused the leak, but it's from the water. It's
Speaker 16: the hot water system, and he had if this thing's
Speaker 16: up in the attic, he had he had, no, He
Speaker 16: has no cause for this.
Speaker 4: How could he have caused a hole in the freaking coil.
Speaker 16: He's they're claiming that he was running an air conditioner
Speaker 16: at the same time, which just didn't make any sense
Speaker 16: to me.
Speaker 7: There is an air conditioning.
Speaker 19: Coil up there.
Speaker 16: It runs off a free on from a condensing unit
Speaker 16: that has nothing to do with this leak. It was
Speaker 16: from the hot water heater that heats the apartment.
Speaker 4: So I put a so even even in the summer,
Speaker 4: when you're not using the heat, that water is still
Speaker 4: circulating through that coil.
Speaker 16: Yes, it circulates through the coil and through the domestic system.
Speaker 7: There's two.
Speaker 4: Got it.
Speaker 16: The good thing is they did repair it and he
Speaker 16: doesn't have any more leaks.
Speaker 4: Good, that's good news. Well, we really have to help
Speaker 4: him with this. They're charging him for a cleanup and damages.
Speaker 4: That's b man.
Speaker 16: I already put in two goods and I'm going to
Speaker 16: explain it to him that it's, yeah, his fault.
Speaker 4: Cool. I appreciate that Deputy bo. That's great news. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free, no obligation comparison call Compass Insurance.
Speaker 4: Paying too much your coverage at dozens of insurance companies
Speaker 4: find out now three oh three seven to seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Tom Martina Here, by the way,
Speaker 4: we are talking cars at a Compass Insurance will do
Speaker 4: that insurance check up. The Insurance Helpcenter dot com three
Speaker 4: oh three nine nine six nine three h three nine
Speaker 4: ninety six nine thousand. Get an insurance check and make
Speaker 4: sure you're not paying too much too little. If you
Speaker 4: have a great deal, they'll tell you they're honest people. Now,
Speaker 4: Gary wants some advice on his dad's Oh no, I
Speaker 4: want to go to John Fuller hold on real quick.
Speaker 4: I got John Fuller before the end of the hour. Here,
Speaker 4: John Fuller, Attorney a law I want to ask you
Speaker 4: something if someone had she's not on the line right now.
Speaker 4: But if she had a settlement back in twenty fifteen
Speaker 4: or sixteen and she only got one thousand dollars, it
Speaker 4: was a fifty thousand dollars settlement. She had a closed
Speaker 4: head injury. Now could be she's mistaken, but she was
Speaker 4: in a koma closed head injury. She says she could
Speaker 4: really use the money right now, and the attorney's not
Speaker 4: answering her. Can she go back that far and demand
Speaker 4: an accounting or is it too late?
Speaker 24: Well, I think she can demand an accounting. I think
Speaker 24: most any attorney would. Would you go back into their
Speaker 24: closed files and pull up the distribution sheet to show
Speaker 24: her where them money went. As I understood it from
Speaker 24: from Kelly that there was Medicare and Medicaid involved. And
Speaker 24: so sometimes we have you know, callers that are in
Speaker 24: marketing facilities and stuff like that. They're also on disability
Speaker 24: and there are really strict rules about how much money
Speaker 24: these people can have to their names and still qualify
Speaker 24: for benefits. And so in many cases with you know,
Speaker 24: with special clients out like that, the money ends up
Speaker 24: being placed into special needs trusts and other vehicles that
Speaker 24: protect the money and preserve it for future use. But
Speaker 24: don't you know, invalidate their entitlement to those benefit programs. Oh,
Speaker 24: it could be any number of those, you know, type
Speaker 24: of scenarios. I just don't know enough about this car
Speaker 24: and urcades.
Speaker 4: But that that sheds a lot of light. You're right,
Speaker 4: it could it could be. It could be. Maybe even
Speaker 4: they could offset some of that, couldn't they by reimbursement
Speaker 4: or not?
Speaker 24: Well, you certainly they would have had to pay back
Speaker 24: any outstanding subrogation that was you know, that was spent
Speaker 24: on her behalf, right, like medical bills and stuff. But
Speaker 24: that I mean that would happen in any settlement, but
Speaker 24: there would always be some left over. But some of
Speaker 24: these programs, like Medicaid for an example, if you get
Speaker 24: more than two thousand dollars in a month, you can
Speaker 24: lose your Medicaid benefits.
Speaker 20: And so we need a client.
Speaker 24: That needs those benefits. You have to protect that money
Speaker 24: and place it into certain trust vehicles that will you know,
Speaker 24: that will preserve the money and only allow it to
Speaker 24: be used in small portions for special needs, but not
Speaker 24: to land lump some in their bank account and result
Speaker 24: in you know, essentially doing more harm than good by
Speaker 24: by invalidating the benefits that they need so much. Very
Speaker 24: complicated stuff, but we run into it all the time.
Speaker 2: Tom.
Speaker 4: All right, well, thank you you shed some light on that.
Speaker 4: John Fuller. Always demand to go to if your looking
Speaker 4: for information on your personal injury, what to do? Where
Speaker 4: to go the collectibility what it's worth? Personal injuryco dot
Speaker 4: com three oh three five nine seven forty five hundred.
Speaker 4: Now Gary's turn again. Okay, Gary, sorry, but what is
Speaker 4: your question? Gary?
Speaker 14: Hey, my father died May first.
Speaker 4: I'm sorry to hear that. What's going on?
Speaker 14: And he left my niece as the personal representaity okay,
Speaker 14: And I don't know how much the estates were, and
Speaker 14: I don't know. I understand that if it's not worth
Speaker 14: eighty thousand dollars, they don't have to go through pray.
Speaker 4: Well, it depends if there's real estate or anything that
Speaker 4: has to be it's it's if there's no real estate.
Speaker 4: Was there any real estate?
Speaker 14: Well, he needed the house to my nephew.
Speaker 4: Before he died on dead Yeah, on death you mean
Speaker 4: with a beneficiary deed?
Speaker 14: Yeah, before he before he died, he neated it through
Speaker 14: my nephew.
Speaker 4: Yeah, Oh my god.
Speaker 14: Fun death if needed.
Speaker 4: Okay, hold on and we'll come right back to you
Speaker 4: and try to answer this. I'm Tom Martine. We have
Speaker 4: more coming up. Go with a sure thing Denver's Best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Please time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three o three seven to seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate Man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two.
Speaker 1: So you don't have.
Speaker 2: Come running just as fast as can.
Speaker 1: Shooter's gonna help.
Speaker 3: Come Max is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hey Tom Martino here, Welcome to the show.
Speaker 4: Three oh three seven one three talk three all three
Speaker 4: seven one three eight two five five or three oh
Speaker 4: three Martino. You can call twenty four seven three oh
Speaker 4: three six two seven eight four sixty six. If you
Speaker 4: leave a message, we will get back to you. Gary
Speaker 4: needs some advice. Gary said that his father died in
Speaker 4: May May. First, his niece is the personal representative, and he,
Speaker 4: I guess, is trying to find out about the estate. So, Gary,
Speaker 4: the house was deeded on death to your who nephew nephew,
Speaker 4: and you knew that was gonna happen, right?
Speaker 14: Uh no, No, but I'm yeah, No, I didn't know
Speaker 14: that was going to happen.
Speaker 4: Was there a reason you were left out?
Speaker 14: Uh? You know I got three brothers, Well, I got
Speaker 14: uh two brothers that are alive, and uh, my brothers
Speaker 14: other kids are his representatives. So there was four beneficiaries
Speaker 14: and uh no, none of us knew that was going
Speaker 14: to go down like that, and we don't know why.
Speaker 4: Uh, so tell me what is your question? I mean,
Speaker 4: what is your question today?
Speaker 14: I want to know my legal rights because I don't
Speaker 14: think things are going uh according to law as far
Speaker 14: as uh, she's the personal representative and according to the will, uh,
Speaker 14: the house was deeded to her brother, which is my nephew.
Speaker 14: And then uh uh the the remaining uh content of
Speaker 14: the house and is good, We're supposed to be split
Speaker 14: among the four beneficiaries, which is me and my three brothers.
Speaker 4: What I don't understand is Okay, you and your brothers,
Speaker 4: who are his actual sons, got hardly anything, and the
Speaker 4: nephew got the house. What did the personal representative get.
Speaker 14: Well, I think she was on the bank account. And
Speaker 14: how much did she get Well, we don't know. We
Speaker 14: can't get an accounting of anything as far as the
Speaker 14: estate goes. And I want to know how to proceed
Speaker 14: to get.
Speaker 4: Okay, good idea. I'll tell you what I'm going to
Speaker 4: ask our state attorney Kaschina. Let's ask Dan McKenzie or
Speaker 4: one of the other fellows at Kieling Park. Okay, so
Speaker 4: we'll ask somebody. You hold on, we'll get you some
Speaker 4: advice on how to proceed. Three oh three seven, one,
Speaker 4: three eight, two five five. What's going on, Raina? With
Speaker 4: with the sorry with the uh Mercedes dealer? What's going on?
Speaker 25: Hey, Tom, it's Raina. Thanks so much for having me.
Speaker 4: What's going on?
Speaker 2: So?
Speaker 25: I have this client who is dying. He's on his
Speaker 25: deathbed and he wanted to buy a Mercedes. He's a teacher,
Speaker 25: former military, want to buy a Mercedes. Go across the
Speaker 25: country and go look at the ocean one last time. Oh, Frank, Mercedes.
Speaker 25: I know that this is after.
Speaker 10: It is and this is after his wife's passed.
Speaker 25: And he's telling me he has almost no money at
Speaker 25: this point, right, he's on fixed income, and they spent
Speaker 25: all of their savings on cancer care. And what's really
Speaker 25: sad about it is he she died shortly after.
Speaker 10: The cancer care.
Speaker 25: They basically took their entire life savings, and he said
Speaker 25: it was worth every penny of it, even if she
Speaker 25: only lived for a little bit after that. So he
Speaker 25: is just salt of the earth kind of guy. He
Speaker 25: goes to Mercedes Benz and he tells them he wants
Speaker 25: to buy a Mercedes. I say great. He says, I
Speaker 25: have this Toyota Avalon that I'm fully paid on. They say, great,
Speaker 25: we're going to give you twenty thousand dollars for it.
Speaker 25: You come in with five thousand dollars down payment and
Speaker 25: will put you in a forty eight thousand dollars Mercedes.
Speaker 25: And therefore your you know, your monthly payments aren't really
Speaker 25: going to be that high, right because you're only really
Speaker 25: putting a lean about twenty thousand. And he says, great,
Speaker 25: that worked out. I can pay three hundred or seven months.
Speaker 10: So he buys the rest.
Speaker 4: Well, what is the prognosis on when he was going
Speaker 4: to die.
Speaker 10: He tells me.
Speaker 25: He's dead man walking. This is the post that happened,
Speaker 25: and he has he's so proud of himself.
Speaker 4: He's like, you know, how long ago? How long ago
Speaker 4: did he do this?
Speaker 2: Yeah?
Speaker 25: I would say that he's been living the sale vehicle?
Speaker 4: Yeah, when did he buy it?
Speaker 25: Gave me just a second and I can get that
Speaker 25: for you.
Speaker 17: I mean, this is just a.
Speaker 8: Couple of months ago.
Speaker 4: Okay, that's all I need to know. It was this year?
Speaker 4: Is this when is he supposed when? I mean when
Speaker 4: is he supposed to die? Seriously, I mean, is is
Speaker 4: he going to die? Or is this just a guy
Speaker 4: who's saying he's dying?
Speaker 25: No, No, this is this is for real. So he's
Speaker 25: been kind of on his depit for a while, but
Speaker 25: he's still kroud of himself. He's like, I'm I'm beating
Speaker 25: all of their marks. I'm beating all their marks recently.
Speaker 4: And so he traded in a car and.
Speaker 25: What happened car? Okay, So what happens is what he
Speaker 25: doesn't realize is they put thirteenth thous dollars worth of
Speaker 25: extended warranties and maintenance contract on this car. Now, mind you,
Speaker 25: he doesn't need any No.
Speaker 4: I get it. I get exactly what you're saying. We
Speaker 4: can have all that stuff removed. Probably, I mean, if
Speaker 4: it was just a few months ago, I did. So
Speaker 4: they packed again. They packed the deal with a bunch
Speaker 4: of crap.
Speaker 7: They packed the deal.
Speaker 4: What's the name of the dealer. What's the name of
Speaker 4: the dealer.
Speaker 25: Yeah, it's Mercedes Benz of Colorado Springs. So that's the
Speaker 25: trade name. And it Phill Long is who owns it.
Speaker 25: Bill Long Auto House is the owner. But so let me.
Speaker 7: So he does that.
Speaker 25: He realizes, okay, this happened in February. He realizes that
Speaker 25: he's paying way too much every month.
Speaker 1: So he goes back and.
Speaker 25: He's like, I want to return this car. I can't
Speaker 25: afford this. I'm on a fixed income. And they say
Speaker 25: you can't return it, which is okay, all right, there's
Speaker 25: no return policy. He's like, fine, let me just buy
Speaker 25: my car back, and they say, okay. Now instead of
Speaker 25: just he.
Speaker 4: Just screwed him of Oh my god, I wish you
Speaker 4: would have called us then. So wait a minute. So
Speaker 4: then he decided to buy his car back.
Speaker 25: He says, I'm gonna buy the car back. But instead
Speaker 25: of doing what you just did, which is telling him, hey,
Speaker 25: you can get money back if you cancel your service contract,
Speaker 25: they don't do that. So they could talk get the money.
Speaker 4: So what did he do?
Speaker 25: They let him trade it in. Yeah, clire thinking.
Speaker 4: He traded it in, and then what.
Speaker 25: Okay, so he traded in the vehicle. They sell him
Speaker 25: his own vehicle back for four thousand dollars. More so
Speaker 25: he set the table with four thousand dollars.
Speaker 4: All right, wait a minute, he he had he had
Speaker 4: traded in a car that was paid off. What was
Speaker 4: that car worth.
Speaker 25: As a toda to Avalon They say it was worth
Speaker 25: twenty thousand, which I would agree probably a round twenty.
Speaker 4: So then how does he end up owing another four
Speaker 4: grand after trading in the Mercedes?
Speaker 25: So the Mercedes gets traded in for thirty nine thousand,
Speaker 25: which is exactly his loan.
Speaker 16: In the mouth.
Speaker 25: Okay, so the lean gets wiped out?
Speaker 4: Yeah fine, hold on, but the twenty grand. Okay, the
Speaker 4: loan got wiped out. And then what.
Speaker 25: Well, so really the issue is because he paid thirteen
Speaker 25: thousand dollars in those service contracts, he basically traded in
Speaker 25: Historia Avalanch just for those service contracts, right, right.
Speaker 4: But when he bought it back though, right? Now does
Speaker 4: he have his old car back?
Speaker 25: He has his old car back.
Speaker 4: Here's a wall. I need to know net net. What
Speaker 4: is the out of pocket? Now listen carefully. I don't
Speaker 4: care how they finagled it. What I want to know
Speaker 4: is the day before he went in to buy this
Speaker 4: Mercedes and the day after he got his car back,
Speaker 4: what is his net out of pocket that was not recovered.
Speaker 4: I'm not talking about money that was put in the deal.
Speaker 4: I'm not talking about anything. I'm talking about hard net
Speaker 4: money out of his pocket. How much.
Speaker 25: He paid in total, nine seven hundred and fifty dollars
Speaker 25: in cash, and he has a lean on the Avalon
Speaker 25: for the full purchase price of the avalon his Lian
Speaker 25: is thirty two thousand, six hundred and fifty three dollars.
Speaker 6: He never paid it all.
Speaker 4: Wait a minute, Wait a minute, the Avalon how much
Speaker 4: would they sell it to him?
Speaker 25: For twenty four thousand dollars?
Speaker 4: So he went in there and came out with his
Speaker 4: old car and a twenty seven thousand dollars.
Speaker 25: Loan, Yes, sir, And they sold him another service contract
Speaker 25: on the car that he already owned. They sold him
Speaker 25: a five thousand dollars.
Speaker 4: Okay, but to some degree, Reina, Listen, these are scumbags,
Speaker 4: but to some degree, But to some degree, this guy
Speaker 4: is responsible for his own stupidity. Does he have a
Speaker 4: brain tumor or anything? Is Is his disability or death
Speaker 4: having to do with brain? No?
Speaker 25: But he What he tells me is that he had
Speaker 25: gotten out of the hospital. He was in active chemotherapy.
Speaker 4: He was exhausted, RAINA and waiting, RAINA, listening, RAINA.
Speaker 8: That's what's this.
Speaker 4: This is a screw job. Beyond screw jobs. Does he
Speaker 4: have a line of all the paperwork?
Speaker 25: I have all the paperwork.
Speaker 4: From the very beginning.
Speaker 7: The only things I.
Speaker 25: Don't have are the signed service contracts.
Speaker 4: I don't care about that. You have the very first
Speaker 4: time he bought the Mercedes, and then the deal he
Speaker 4: made trading it back in. Yes, sir, did he deal
Speaker 4: with the same sales person each time?
Speaker 23: That I think he?
Speaker 12: Still?
Speaker 4: I don't know, Reina. I need you to send me
Speaker 4: that stuff. I need to look at the contracts. Okay
Speaker 4: and okay, how long ago did he trade it back
Speaker 4: and get his old car?
Speaker 25: Let me find that.
Speaker 23: I believe that that was.
Speaker 4: On March.
Speaker 3: Twenty fifth, so.
Speaker 4: One month after when you said that he is a client.
Speaker 4: What do you do.
Speaker 25: I'm a lemon An Auto broad attorney in.
Speaker 4: Denver, so you are an attorney, Raina, I'm an attorney. Yeah,
Speaker 4: thank you for calling us. Let's work together and destroy this.
Speaker 4: This is the disgusting so I love it.
Speaker 25: Tom, thank you.
Speaker 4: Give me no, this is discussing. Give me that information
Speaker 4: off the air. Hey, Kachina, give her my private email
Speaker 4: please and have her send those contracts and that'll put
Speaker 4: us in direct communication. Thank you Raina for caring. We
Speaker 4: have more coming up. Go with a sure thing Denver's
Speaker 4: best rufer excel roofing dot com. You don't pay a
Speaker 4: cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation comparison call Compass Insurance paying too much your
Speaker 4: coverage at dozens of insurance companies find out now three
Speaker 4: O three seven seven one help. You'll think you're his
Speaker 4: only customer when you choose Frank durand the Real state
Speaker 4: Man dot com to list your home with Remax Alliance
Speaker 4: three oh three nine two zero sixteen twenty two. Hi
Speaker 4: Tom Martino, your troubleshooter.
Speaker 2: Okay.
Speaker 4: Earlier, a woman called. She obviously did not have her
Speaker 4: complete wits about her. She was in an accident and
Speaker 4: she had a closed head injury, was in a coma.
Speaker 4: She remembers being injured, going to an attorney, getting a settlement.
Speaker 4: She said she got a settlement of fifty grand. She
Speaker 4: remembers pulling out one thousand dollars and no other accounting.
Speaker 4: She said she used attorney Todd Bovo. We asked our
Speaker 4: personal injury attorney, one of our experts, John Fuller, how
Speaker 4: could this happen? He said, Oh, Tom, there are all
Speaker 4: kinds of things that could happen. First with her injury.
Speaker 4: It could be she's not remembering everything, or number two
Speaker 4: it it could be that there was reimbursement to Medicare
Speaker 4: or medicaid. It could be all kinds of things. And
Speaker 4: luckily a friend of Todd's was listening and Todd called us,
Speaker 4: so we can hear from him and just find out
Speaker 4: what's going on. And again we're not using any last names,
Speaker 4: We're not using any specifics here or just getting general information.
Speaker 4: So Todd, thank you for calling.
Speaker 26: Sure Tom, I'm a big fan, love the show.
Speaker 4: Thank you So when you recalled this settlement from years ago.
Speaker 26: When I received a text from this friend, I saw
Speaker 26: it to myself, I know exactly who this is, and
Speaker 26: I called in your show, and I was right. It
Speaker 26: is one of the saddest situations that I've ever encountered.
Speaker 26: She was initially represented by Frank Gazar. And what I
Speaker 26: want your listeners to know is that coming up is
Speaker 26: the most dangerous day of the year for pedestrians, and
Speaker 26: it was for this client.
Speaker 14: It's Halloween.
Speaker 26: Oh, and she was out and walking and unfortunately for
Speaker 26: us in Colorado, the Colorado minimums to be insured it's
Speaker 26: twenty five thousand, right, and so we were able to
Speaker 26: acquire the policy limits. And I don't think we charged
Speaker 26: her a fee, but she had hundreds of thousands of
Speaker 26: daughters and bills. Without going into specifics, she was an
Speaker 26: up and coming, vibrant, beautiful real estate agent and I
Speaker 26: talked to her. This happened, I believe in twenty fourteen too, yeah, fifteen,
Speaker 26: and I talked She reaches out every year. And so
Speaker 26: what I think your listeners should know, and what most
Speaker 26: people don't know, is that when you're walking around on
Speaker 26: Halloween or any other day and you get hit by
Speaker 26: somebody that doesn't have the right insurance or the Colorado minimum.
Speaker 26: If you have your own auto policy, your um or
Speaker 26: UIM policy that covers you like a halo, and it would.
Speaker 4: Have protected her. But she didn't have that.
Speaker 26: And they didn't have that, And so I visited her
Speaker 26: in the nursing home, and actually just a couple of
Speaker 26: weeks ago, I spoke with the fellow that she was with.
Speaker 26: These head injuries are the scariest thing that you can
Speaker 26: ever experience. These people lose everything, and.
Speaker 4: She lost her entire career, everything. But there was nowhere
Speaker 4: to collect, nowhere to collect.
Speaker 26: No, and we did the best we could.
Speaker 14: We always do.
Speaker 26: You know, we're in the business of making sure these
Speaker 26: clients can get So.
Speaker 4: Todd, let me ask you something. She remembers getting one
Speaker 4: thousand dollars. Was that accurate?
Speaker 26: I think it was much more than that, even though
Speaker 26: there were the the or bills, So yeah, I'd have
Speaker 26: to look at the settlement memo, but I think it
Speaker 26: was a lot more than that because we we negotiated
Speaker 26: with all the bills and say, listen, we're in the
Speaker 26: businesses providing this conversation for the clients, not paying hospital bills.
Speaker 4: Is she on disability right now? Yes, So she reaches
Speaker 4: out every year because she doesn't recall the details.
Speaker 26: Right.
Speaker 4: Oh, that's sad. That is so sad.
Speaker 26: She's a lovely, lovely woman and I wish her the best,
Speaker 26: and I just wish that there was some way to
Speaker 26: repair the brain after that. But it, you know, going
Speaker 26: out on Halloween it frightens me. And make sure all
Speaker 26: those kids are safe because it's dangerous, and you know,
Speaker 26: it happens more on Halloween than any other day. And God,
Speaker 26: it ruined her life, it really did.
Speaker 4: And you know, and so you explain stuff to her
Speaker 4: and then you inevitably get a call in a year
Speaker 4: or so.
Speaker 26: Oh repeatedly. And that's what's most disheartening with these brain
Speaker 26: injuries is it doesn't matter how many times that you
Speaker 26: explain it. It just doesn't sink in. And it's hard.
Speaker 26: It's hard to understand because this woman was owed millions
Speaker 26: for her injuries. She should have millions, right, and she
Speaker 26: was hit by the drunk FedEx driver.
Speaker 14: She wouldn't be.
Speaker 26: In the situation that she's in, right, she would at
Speaker 26: least have the treatment, right, And it's just so sad.
Speaker 4: You're right, there's nothing people can do when they don't
Speaker 4: have insurance and the other person has no net worth.
Speaker 4: So I got a question, is there a way? I
Speaker 4: never asked my insurance people this, I should Is there
Speaker 4: any kind of a way to get any kind of
Speaker 4: an umbrella that would cover you in these situations if
Speaker 4: you don't have an auto policy?
Speaker 26: I don't know there is relative Well if you even
Speaker 26: if you live with somebody in the home, could you
Speaker 26: ear covered?
Speaker 4: So you tried all kinds of options and she had
Speaker 4: nothing that she could go to other than this individual.
Speaker 26: Yeah, And what a lot of people don't understand is, like,
Speaker 26: you know, they had coverage. We could have sued and
Speaker 26: got a verdict for millions, but what good does that
Speaker 26: do her? When you have a a client that or
Speaker 26: a defendant that's non collectible. You know, you get a
Speaker 26: twenty million dollars verdict and the insurance company hands you
Speaker 26: a check for twenty five thousand, says you know they're
Speaker 26: they're on the hook for the rest?
Speaker 4: Right, So all right, well listen, Todd Todd Bobo, We
Speaker 4: certainly appreciate you shedding light on this, and you if
Speaker 4: the guy went to jail, Oh did the guy was
Speaker 4: the guy punished by law enforcement Todd by the way,
Speaker 4: did the guy get punished.
Speaker 26: Because it come from the other firm that had been
Speaker 26: resolved prior to coming to it?
Speaker 4: Okays?
Speaker 6: But okay?
Speaker 4: Usually yeah, I mean yeah, that is so bad. That
Speaker 4: that is so bad. I mean there's nothing you can
Speaker 4: do about it. Our state minimums are horrendous and insulting.
Speaker 4: They're insulting. Oh god, I'm Tom Martino, and we have
Speaker 4: more coming right now. I have Dan Mackenzie coming up.
Speaker 4: In fact, I want to ask Dan just real quick
Speaker 4: this I can get Dan in because he's a very
Speaker 4: busy man in a state. Where did he go away?
Speaker 4: I guess he went away? All right, we have more
Speaker 4: coming right up. Go with a sure thing Denver's best
Speaker 4: roofer Excel Roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three oh three, seven seven to one help. You'll think
Speaker 4: you're his only customer When you choose Frank durand the
Speaker 4: real estate Man dot com to list your home with
Speaker 4: Remax Alliance three all three nine two zero sixteen twenty two.
Speaker 4: Hello Tom Martino here three O three seven one three
Speaker 4: talk seven one three eight two five five. Probid energy
Speaker 4: dot com. Probidenergy dot com for your solar energy needs
Speaker 4: and they do a great job. You can trust him.
Speaker 4: So that's probid energy dot Com. Okay, now I want
Speaker 4: to go back to the phones. Dan McKenzie is with us. Dan,
Speaker 4: thank you for being here. We have a quick question
Speaker 4: for you there, sir, Yeah, okay. Our question is with
Speaker 4: having to do with Gary and Gary uh said that
Speaker 4: his father died, and his father died May first, his
Speaker 4: niece is the personal representative according to the will, the
Speaker 4: nephew got the house, the niece got the bank account,
Speaker 4: but they don't know how much, and the other siblings
Speaker 4: are supposed to get something, but he don't know. He
Speaker 4: doesn't know what. How does he get information? Isn't that
Speaker 4: your question? Gary? What is your right to information?
Speaker 6: If any?
Speaker 14: Yeah? Yeah, exactly? How do I get an accounting of
Speaker 14: the will and an accounting of his produciaries? Because I'm
Speaker 14: hearing two different stories when my father was I'm trying
Speaker 14: to make let's make a real quick, simple deal out
Speaker 14: of it. My mom died in May of twenty three
Speaker 14: and my dad was ready to die. They'd been married
Speaker 14: seventy four years. My dad was ready to die then,
Speaker 14: so he went back to Kansas. He lived in the
Speaker 14: mountains here. He went back to Kansas for the winter,
Speaker 14: and he decided he wanted to come home and die
Speaker 14: in his house in April of this year. So he
Speaker 14: came home and my niece came out and was taken
Speaker 14: care of him. And sometime between the time my mom died,
Speaker 14: when my mom died, they went in and changed the wheel.
Speaker 14: And what my dad told me was he made my
Speaker 14: daughter and the nephew that got the house as because
Speaker 14: you know the what do you call it personal representation?
Speaker 4: What does this have to do with anything? You just
Speaker 4: want to know how to get an accounting, right, Dan,
Speaker 4: How does he get an accounting of the will? Well?
Speaker 14: Yeah, and how how the four uh, the four people
Speaker 14: that are supposed to be able to divide the stuff up?
Speaker 14: She divided everything up and said, Okay, this is what
Speaker 14: you get.
Speaker 4: This is what we get that, Gary, Gary, we get that.
Speaker 4: That's what an accounting is. I mean, you want to
Speaker 4: know if you're mentioned in the will and how you're
Speaker 4: mentioned you're not. You didn't get a copy of the will?
Speaker 6: Is that right?
Speaker 14: Yeah? I did get a copy.
Speaker 4: Okay, Well in that will? In that will, what does
Speaker 4: it say about you and your brothers? Because that's what
Speaker 4: you're concerned about. What does it say?
Speaker 14: Right? And said she's the personal representative?
Speaker 4: I get what does it say about you and your brothers? Gary?
Speaker 14: That we get everything that's in the house?
Speaker 4: Okay? And and did you get everything in the house? No,
Speaker 4: where is it?
Speaker 14: Well she split up a bunch of stuff and and
Speaker 14: put it in storage and says, okay, come get what
Speaker 14: you get.
Speaker 4: Oh well, then why didn't you go get what you got?
Speaker 14: Well? I did, And the furniture and everything else is
Speaker 14: still in the house. And I want to know where
Speaker 14: certain things are and and they have it shown up.
Speaker 4: Okay, So what do you do?
Speaker 14: Yeah, what do you do?
Speaker 4: Dan mackenzie, give them a chance to answer. Now, go ahead, Dan,
Speaker 4: You're not contesting the will.
Speaker 27: You're just trying to figure out how you get your stuff. Okay, Yeah,
Speaker 27: I mean I guess that this is it's just personal property.
Speaker 27: It's just stuff from the house you're trying to get.
Speaker 14: Yeah, Well, I'd like to know where the money went
Speaker 14: and the stocks and bonds.
Speaker 27: To well, are you entitled to that under the well?
Speaker 15: You have a right.
Speaker 27: I mean, you are in here.
Speaker 11: You know whether even if.
Speaker 14: Is she I'm sorry, is she entitled to it?
Speaker 27: I mean, it just depends on what the will says.
Speaker 27: And if you're I mean, if you're going to contest
Speaker 27: that will and say, hey, this will was made under
Speaker 27: you know, somebody was pressuring her to do this and
Speaker 27: inappropriately or some or she didn't have capacity, she didn't
Speaker 27: know what she was doing at the time.
Speaker 14: Those are the usual.
Speaker 27: Common way to contest the will. If you're not contesting
Speaker 27: the will, certainly you know you should get what you're
Speaker 27: in what the will says you're supposed to get, but
Speaker 27: they do have some time to figure that out. As
Speaker 27: far as you know, how are we going to make
Speaker 27: this available and how are we going to get it
Speaker 27: to you?
Speaker 15: And all that kind of stuff.
Speaker 6: Have you asked?
Speaker 4: Have you asked what the plan is? Yes?
Speaker 14: I've asked her and asked her.
Speaker 4: Will they give you information exactly?
Speaker 14: I can't get any information.
Speaker 4: But I think you did get information. I think she
Speaker 4: got the bank account, he got the house, the nephew
Speaker 4: and niece and you guys get the stuff in the
Speaker 4: storage unit.
Speaker 14: I don't know if she got the bank account or not.
Speaker 14: It doesn't say that in the in the in the will.
Speaker 4: You know, he brings up a good point. Let's just
Speaker 4: ask it like it is, okay, Dan, I've asked you
Speaker 4: this a million times. People always have questions about wills.
Speaker 4: They do they if they're not part of it, they
Speaker 4: have a question about it. Or if they are part
Speaker 4: of it but they're not the representative. Is there a
Speaker 4: requirement that the personal representative or the attorney or someone
Speaker 4: makes the full accounting of what went where.
Speaker 27: Yes to people who haven't interested in the estate, for sure,
Speaker 27: And even a disinherited person has an interest in the estate.
Speaker 27: As far as getting the will. You know, as we've discussed,
Speaker 27: the will is required like whoever has the copy of
Speaker 27: the will is required to lodge it with the county
Speaker 27: probate court. That means hand it over to the county
Speaker 27: probate court, whether there's going to be probate or not,
Speaker 27: they have to give it to them. And it's for
Speaker 27: this reason that people who have an interest in the
Speaker 27: estate can go see it. And if they haven't done that,
Speaker 27: if they're sitting on a will and they are not
Speaker 27: lodging it. They could be responsible for any you know,
Speaker 27: damages that causes that the people who should have received
Speaker 27: stuff under that will didn't get it because they didn't
Speaker 27: know what the will said.
Speaker 4: So does he have to have an attorney to do this?
Speaker 27: I mean, he's alreadyn't given the will, so I don't.
Speaker 27: I mean, that doesn't seem like that's really an issue.
Speaker 27: If he wants to contest the will, then yes, I
Speaker 27: would say, But.
Speaker 4: He doesn't want to contest the will what he wants
Speaker 4: to I think what he's saying is he has no
Speaker 4: idea where certain things are, and I don't think there's
Speaker 4: anyone that can compel anyone that all the niece has
Speaker 4: to say is I have no idea where it is.
Speaker 27: Yeah, I mean, I guess I'm not entirely clear. If
Speaker 27: he made a very clear request about here are the
Speaker 27: items I'm expecting, when can I expect to receive them?
Speaker 27: And how are you going to get them to me?
Speaker 4: And what did he ask? How much was in the
Speaker 4: bank account? Does she have to tell him since she
Speaker 4: got the bank account, it depends.
Speaker 27: On it to win through the probate process or not
Speaker 27: if it was if it just went to her through
Speaker 27: like some sort of designated beneficial.
Speaker 4: No, it was in I guess it was in the will.
Speaker 4: It was in the will, right, Oh, it was.
Speaker 14: She was a signer on the account.
Speaker 4: Never mind, never mind, then she'd okay, then it didn't
Speaker 4: go through the probate.
Speaker 14: Right, So when he passes in, she automatically gets.
Speaker 4: What was the special relationship with this niece and nephew?
Speaker 4: That got everything basically, Well, there.
Speaker 14: Really was no special relationship. I mean they came out
Speaker 14: here every year from Kansas when they were kids, and
Speaker 14: and they thought they were.
Speaker 4: Kids, and which one which one of the siblings? Do
Speaker 4: they belong to the youngest boy? And is your youngest brother?
Speaker 4: It's your brother, right right? Is he wondering too or
Speaker 4: just you?
Speaker 14: Yeah? Yeah, he's a strange. They will not talk to
Speaker 14: him at all.
Speaker 4: Okay, listen, I don't know what to do about this, Dan,
Speaker 4: I think that you said it. Can he just go
Speaker 4: to the judge and request an accounting?
Speaker 27: Yeah, I mean, as that person you can ask the
Speaker 27: personal representative. You should have gotten a document called an
Speaker 27: information of appointment telling you what your rights are, and
Speaker 27: one of them is to requests and accounting and you
Speaker 27: actually do that to the personal presentatives say I would
Speaker 27: like the accounting.
Speaker 4: That's it.
Speaker 14: Yeah, And I did that, And she says, I don't
Speaker 14: have to give you an account.
Speaker 4: But you didn't do it through the court. Man, You
Speaker 4: didn't do it through the court.
Speaker 14: No I did. No, I didn't.
Speaker 4: Okay, Well that's what you do. You asked the judge
Speaker 4: to do it.
Speaker 27: I mean, you really shouldn't have to.
Speaker 4: And what you ought to do is you and your brothers.
Speaker 4: Let me just let me just cut this short because
Speaker 4: we have another call for him. You and your brother's
Speaker 4: call called Dan McKenzie. Give him the number off the air, please,
Speaker 4: kat China eight three three Coe plans Dan. Hang on
Speaker 4: because Sue has a quick question here. I hope it's
Speaker 4: a quick question. Hold on, Uh, Sue is right here, Sue?
Speaker 4: What is your question real quick here about probate?
Speaker 8: Yes, sir, I do I have a case right now
Speaker 8: that I'm looking seeking an attorney for for contested probate
Speaker 8: now duciary that has breached his contract.
Speaker 4: So what are you saying a fiduciary another at Joorney
Speaker 4: or the personal representative or who breached the contract.
Speaker 8: The personal representative. My son used to be the power
Speaker 8: of attorney, and then they took My sister went behind
Speaker 8: our backs during COVID and she got conservatorship, and she
Speaker 8: took away the medical part, the caregiving, and she put
Speaker 8: it onto her. I was my dad's caregiver, and now
Speaker 8: she's the caregiver.
Speaker 4: She's the caregiver.
Speaker 10: Now, well she was.
Speaker 8: My dad passed away yesterday. It was a third year anniversary. Okay,
Speaker 8: but this piduciary has breached so many gay tends.
Speaker 2: What could give me.
Speaker 4: An example of what this so called seduciary breached?
Speaker 8: Okay, First of all, he did not take care of
Speaker 8: the properties and they started going downhill. He took one
Speaker 8: hundred thousand dollars out of my dad's money to sue
Speaker 8: a family member that nobody else was suing. He has
Speaker 8: no right to miss appropriate.
Speaker 4: Who is this he? Who is he? What is he?
Speaker 4: Your brother?
Speaker 8: He's a conservator?
Speaker 4: Is he your brother?
Speaker 10: Oh?
Speaker 2: No?
Speaker 4: He is no reason was he appointed by the courts?
Speaker 8: Somehow he was appointed? My sisters went on a witchland.
Speaker 8: I guess they did this all behind our back.
Speaker 4: Who appointed blind guy conservator?
Speaker 8: It had to be the courts, and both of those
Speaker 8: sisters must have tried to call and find out how
Speaker 8: they could go about getting my son off of the
Speaker 8: power of attorney because they were jealous.
Speaker 4: But all I okay, where was he appointed conservator while
Speaker 4: the guy was alive or after he died?
Speaker 8: Yes, my dad was alive and this guy has been
Speaker 8: us four years.
Speaker 4: Okay, got it, Okay, got it? Hold on, hold on,
Speaker 4: I gotta take this break. Hold on, 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. Time for an
Speaker 4: insurance check up free, no obligation. In comparison, call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three oh three seven seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter.
Speaker 4: Three oh three seven one three talks seven one three
Speaker 4: h five five. We don't have a lot of time,
Speaker 4: so I'm going to ask Dan, Dan if there is
Speaker 4: we've had This come up a lot of times before.
Speaker 4: Mackenzie Law, Dan COEO Plans dot co. If you have
Speaker 4: somebody appointed a public trust, he or whatever they call them,
Speaker 4: and you're you don't like what they're doing, what do
Speaker 4: you do as heirs of the estate, what do you do?
Speaker 4: Especially with everyone's fighting?
Speaker 27: Yeah, I mean you have a couple. I mean certainly
Speaker 27: you can ask a court to replace that person something
Speaker 27: less traumatic than that. It's just that the person be
Speaker 27: supervised by the courts. Usually, in most probates, the personal
Speaker 27: representatives out there doing the stuff they need to do
Speaker 27: and the court's not really checking unless phecifically being half.
Speaker 4: We hear a lot of complaints though about conservators. Yeah,
Speaker 4: they're naturally hated because the family doesn't want them. Sue.
Speaker 4: I'll talk to you after the break, Dan McKenzie mackenzie Law.
Speaker 4: It's eight three three CO plans. But this is something
Speaker 4: we need to talk about because there's too many bad
Speaker 4: ones out there. Go with a sure thing Denver's Best
Speaker 4: Roofer Excel roofing dot com. You don't pay a cent
Speaker 4: until you're content. Time for an insurance check up free,
Speaker 4: no obligation. In comparison, call Compass Insurance paying too much
Speaker 4: your coverage at dozens of insurance companies. Find out now
Speaker 4: three O three seven to seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
Speaker 4: the real estate man dot com to list your home
Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two.
Speaker 1: Yeah, ripped up.
Speaker 2: New need so you don't have come running Just as
Speaker 2: fast as we can.
Speaker 1: Shooter's gonna help.
Speaker 2: Come man, this is.
Speaker 3: The Troubleshooter Show. No Tom Martine.
Speaker 4: Hi, I'm Tom Martino. You're Troubleshooter. We're trying to solve problems.
Speaker 4: I apologize to Beverly. She's boon waiting so long. Beverly.
Speaker 4: I'm sorry we had these other issues come up. Now, Sue,
Speaker 4: I haven't forgotten about you in the probate and the conservator.
Speaker 4: We need to talk about that. And then Bruce wants
Speaker 4: to talk about a Chevy Equinox. He called in two
Speaker 4: weeks about ago. Hey, Beverly, what's going on with your
Speaker 4: Maytag washer? I heard that the Maytag repairman is the
Speaker 4: lonely That's not true.
Speaker 10: Well, I bought it on May second.
Speaker 4: Of this year, Yes, of this year, okay.
Speaker 10: May second, And it was fine until about a month
Speaker 10: ago and it started not washing and so forth.
Speaker 8: I went into Lowe's.
Speaker 10: Last week they gave me put in may Tig repair.
Speaker 10: There were six people that came up in the area.
Speaker 10: I caught off six of them, and they said they
Speaker 10: do not do warranty work, that I had to pay
Speaker 10: up front.
Speaker 4: Why I called wait, wait, wait wait, it's under warranty.
Speaker 10: Though, right, well, it's kind a one year warranty. I
Speaker 10: did not buy an extended warrant.
Speaker 4: I understand, but when and but you said you bought
Speaker 4: it this year.
Speaker 10: Right May second?
Speaker 4: Yes, well, then it's under warranty until next May.
Speaker 8: Right right?
Speaker 10: But the six people that I called under may may
Speaker 10: Tig Repair in.
Speaker 20: Denver, I wouldn't do it.
Speaker 10: They do not They do not do warranty work. I
Speaker 10: have to pay up front.
Speaker 4: But then do you get reimbursed? You did they say
Speaker 4: you would be reimbursed or what?
Speaker 10: They did not know?
Speaker 4: And did you call Maytag? I would call Maytag and
Speaker 4: say I have a washer under warranty. I don't want
Speaker 4: to pay up front.
Speaker 10: Okay, That's what I did. Next because Maytig is owned
Speaker 10: by Whirlpool, so I called may Tig and they wanted
Speaker 10: to know the course, the serial number, model number, and all.
Speaker 10: I gave them all that it was. I did not
Speaker 10: get to speak to a live person after I put
Speaker 10: in the serial number and the model number, and they
Speaker 10: asked me if I had the extended warranty. I said no,
Speaker 10: and they said.
Speaker 23: They just disconnected.
Speaker 10: I called them three times and it just disconnects.
Speaker 4: Come on, wait, where did you Where did you buy it, Beverly,
Speaker 4: Where did you buy it? Well, they need to help you.
Speaker 4: What did Low say?
Speaker 10: Well, the gentleman had had quite a bit of experience.
Speaker 10: He had worked for LG and a couple of others
Speaker 10: for the twenty five thirty years. He said he never
Speaker 10: heard of such a thing. He thought that I could
Speaker 10: just go and get someone from here to do the
Speaker 10: warranty work. So I called Whirlpool because that's who Wills maintained. Right,
Speaker 10: the same thing. They said, if you don't have any
Speaker 10: sended warny plan, we do not We do not take
Speaker 10: care of it.
Speaker 4: But you got a normal warranty. You got a normal warranty.
Speaker 4: I would take I would I would make no. What
Speaker 4: are the symptoms, by the way, how is it acting up?
Speaker 10: It's one of these with the sensor on it, which
Speaker 10: I didn't really like. It locks, and it locks the
Speaker 10: lid before. Well, then the sensor weighs the.
Speaker 4: Water and it adjusts the load right exactly.
Speaker 10: Yeah, and it does not lock, So therefore will I'm
Speaker 10: not go and watch.
Speaker 4: And the reason it doesn't lock is because they can't
Speaker 4: get the load right right.
Speaker 10: I guess the sensor must be off or something.
Speaker 4: But in the beginning when it did work, here's what happens.
Speaker 4: You hear a click, and then it goes, and then
Speaker 4: it goes and it moves back and forth, it shifts
Speaker 4: the load, and then all of a sudden it goes
Speaker 4: on and you hear.
Speaker 10: The water right exactly. And that's what won't happen.
Speaker 4: Okay, And I'll tell you I think I know what's
Speaker 4: going on, and I'm not going to charge you. No, Seriously,
Speaker 4: I don't know, and I'm not entirely sure it's a
Speaker 4: warranty issue. It sounds to me like a leveling issue
Speaker 4: of the of the washer. It'll level the load to
Speaker 4: a certain extent, but if the washer becomes unlevel, or
Speaker 4: the screws on the bottom in the in the legs,
Speaker 4: if that thing is off too much, it will not
Speaker 4: level the load at all. It because you're beyond what
Speaker 4: the sensor can do. I'm suggesting that's probably. I mean,
Speaker 4: that's what it sounds like to me because it didn't
Speaker 4: happen from the beginning. The up in your place.
Speaker 10: Low has sent someone out to do that, an installer,
Speaker 10: and they installed it for them.
Speaker 4: And did the guy when he did he use a
Speaker 4: level to level it.
Speaker 8: I don't know.
Speaker 10: I'm not sure I can try and level and see
Speaker 10: if it's level.
Speaker 4: Yeah, but but you should. And what you do is
Speaker 4: do it when it's off obviously, and you level, just
Speaker 4: see if it's level. If it's not level, I'm telling
Speaker 4: you something. It's not gonna level itself. The load will do.
Speaker 4: All that's for is is shifting load inside not but
Speaker 4: if it's too far off and it can't shift enough,
Speaker 4: it won't lock and it won't turn on. I mean,
Speaker 4: I had this happen to me. But do you have
Speaker 4: anyone that you know that could help you level it
Speaker 4: if it's not level?
Speaker 10: Oh?
Speaker 4: My son? Okay? Is your son handy or is he pain.
Speaker 3: Disney?
Speaker 4: Is your son handy?
Speaker 10: Yes, he's very handy.
Speaker 4: Okay, did you tell him what was going on? I did?
Speaker 4: And what did he say?
Speaker 10: Well, that was before I went to Low's and found
Speaker 10: out all this. I was on the phone all day
Speaker 10: yesterday trying to find.
Speaker 4: Did anyone suggest to you it could be a leveling problem?
Speaker 3: No?
Speaker 10: I didn't get to speak to any live person yesterday.
Speaker 10: Every number that I called.
Speaker 8: It was a It was a It was just.
Speaker 10: An animated voice. I didn't get to speak with any
Speaker 10: live person anywhere. They just hung up after saying do
Speaker 10: you have Plan one or Plan B? Which of the two?
Speaker 10: I did not find it terrible?
Speaker 8: I said no.
Speaker 10: And then when I said no and it disconnected.
Speaker 4: All right, Yeah, we're going to do.
Speaker 10: Got a year warranty from the factory.
Speaker 4: When you went to Low's, was there any one there
Speaker 4: you could talk to?
Speaker 10: Yes, the gentleman, like I said, there was quite He had.
Speaker 4: Been do you have do you have a name of
Speaker 4: anyone at Low's?
Speaker 10: Yes, Rex was the one that I talked to.
Speaker 4: And do you have a plate? Okay? And which Low?
Speaker 4: Which loads? Did you buy it from?
Speaker 25: Over?
Speaker 10: Off of a rap hole?
Speaker 4: Okay? A wrap hole?
Speaker 7: And what.
Speaker 10: I think it's a hole?
Speaker 7: And is it Dayton?
Speaker 4: And I don't know if it's on Dayton, is it.
Speaker 10: Yeah, it's over, it's right across room.
Speaker 4: Why don't you stop in there for her? Talk to Rex?
Speaker 4: Is that where where you are? Here's what I want
Speaker 4: to do, Beverly. I want you to talk first to
Speaker 4: your son and just ask him if he could check
Speaker 4: to see if your washer is level, and if he
Speaker 4: could adjust the legs if it's not level, to make
Speaker 4: it level. Okay. If it is level, perfectly level, we're
Speaker 4: gonna go into We're gonna call lows that Lows should
Speaker 4: not leave you hanging like this. They should intercede if
Speaker 4: you're having this much trouble. And Deputy Doc, I'm gonna
Speaker 4: give this to one of my deputies. We call him
Speaker 4: our volunteer of dubb Doc. He's gonna help you. We
Speaker 4: will help you get you know, get some attention. Okay.
Speaker 10: And that sounds okay.
Speaker 4: You hang on Dere First, I want you to check
Speaker 4: with your son though, and and Doc will even talk
Speaker 4: to your son if if he has any questions on
Speaker 4: what we're talking about. So hold on, Kitschina, get this
Speaker 4: information from Beverly for Doc. Three oh three seven one
Speaker 4: three talk seven one three eight two five five. Yeah,
Speaker 4: this is Uh, I'm sorry. People have to be more attentive.
Speaker 4: We're gonna come back to sue right after this. I'm
Speaker 4: Tom Martinez. We're gonna talk about probate and conservators and
Speaker 4: how that can really screw you up. One Clear Choice
Speaker 4: Garage Doors for your garage door needs. They have battery
Speaker 4: backup systems, Wi Fi systems so you can control your
Speaker 4: garage door from anywhere. They have time to close feature
Speaker 4: if you forget to close it, it closes automatically. And all
Speaker 4: kinds of new openers and factory authorized for most of them.
Speaker 4: And that is one. Clear Choice Doors dot Com. Go
Speaker 4: with a sure thing Denver's Best roofer Excel Roofing dot Com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance check up free no obligation comparison call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three oh three seven to seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hey Tom Martino, your
Speaker 4: troubleshooter three oh three seven won three talk three oh
Speaker 4: three seven one three eight two five five. Welcome to
Speaker 4: the show eight eight eight Heating dot Com. If you're
Speaker 4: looking for someone to check your furnace before winner and
Speaker 4: you want honest opinion of old equipment being replaced, called
Speaker 4: the team three oh three seven seven zero two seven
Speaker 4: seven six seven seven zero two seven seven six. Okay,
Speaker 4: the Chevy Equinox. What the heck you called in a
Speaker 4: while ago, Bruce, I'm trying to find your other call,
Speaker 4: So let's talk about that. We got our experts here,
Speaker 4: and uh let's talk Bruce, what's going on with your equinox?
Speaker 9: Hey, guys called you guys on a week a couple
Speaker 9: of weeks ago. But I had a twenty fourteen Chevy
Speaker 9: Equinox one hundred twenty five thousand miles and when it's
Speaker 9: very hot out I live in Texas.
Speaker 4: Yeah, yeah, fuel it was a fuel delivery problem, yep, exactly.
Speaker 9: And uh so we thought it was either the pump
Speaker 9: in a tank or the hYP right fuel pump. Yeah,
Speaker 9: And so I was looking, I was thinking it was
Speaker 9: in the tank. I thought it was that pump. So
Speaker 9: I'm looking these pumps, up online and my wife goes
Speaker 9: on the chat GPT figure this out. I said, hey,
Speaker 9: why why doesn't my car start after I fill it up?
Speaker 14: On hot days? And chat GPT came back and.
Speaker 9: Said, check your EBAP purge solenoid that's on. It could
Speaker 9: be one or two things. There's one on the motor
Speaker 9: and there's one at the tank. And so I changed
Speaker 9: the one on the motor.
Speaker 14: It was twenty eight bucks.
Speaker 9: Problem went away, never had a problem.
Speaker 4: I love Chat. I ought to invite Chat on the
Speaker 4: show on car Days.
Speaker 9: Crazy. There's crazy that I came up with that.
Speaker 6: So wow, oh yeah, that's actually a pretty common failure.
Speaker 14: It is.
Speaker 6: It is so pretty much so.
Speaker 4: So that I'm so happy that that worked out for you.
Speaker 13: Man.
Speaker 4: You know, people use Chat for their car symptoms. I had, Hey,
Speaker 4: what did I say? Let's see what did I put in?
Speaker 4: One time I was having excessive smoke and leakage and
Speaker 4: some low pressure and they said, how old are you?
Speaker 4: I'm just kidding. I like Chat, though, I should have
Speaker 4: said on my car three all three seven, one, three
Speaker 4: eight two five five Back to Sue, Sue, Okay, I
Speaker 4: wanted to wait, so I had some time here. Let
Speaker 4: let's talk about this, okay. In we were having this
Speaker 4: discussion off the air, and I want to have it
Speaker 4: with you, and we had it with our attorney. Whenever
Speaker 4: in a state, I just want to say this upfront, whenever,
Speaker 4: in a state where people don't get along, whether no
Speaker 4: matter who it is, if the heirs don't get along
Speaker 4: and they hire a conservator, you can kiss goodbye about
Speaker 4: a third of the estate or more. Because conservators, what's that?
Speaker 15: I know?
Speaker 8: Believe me, it's been a nightmare.
Speaker 4: Yep. As soon as they take.
Speaker 8: Over, treated like a family dog because I'm the youngest.
Speaker 4: And here's the deal, sue. When a conservator takes over,
Speaker 4: they don't think in their minds, how do I take
Speaker 4: care of this estate for the heirs? They don't think
Speaker 4: how do I take care of the person? Here's what
Speaker 4: they think. And I don't give a good damn who's
Speaker 4: listening and who gets offended? If you're a conservator, the
Speaker 4: very first thing they think, how much is in it?
Speaker 8: Much money can I make?
Speaker 4: Exactly? That is the way of the world. So they
Speaker 4: wanted I've.
Speaker 8: Never wanted it to go there? See how to will
Speaker 8: they undid the will?
Speaker 4: Well, I don't know why they did they claim there
Speaker 4: was undue influence. Is that why they undid the will? Uh?
Speaker 8: No, they did undid I really don't know how they
Speaker 8: undid the will or why?
Speaker 4: Well, only the court would let them, Only the court
Speaker 4: would let him do that. Did they undo the will
Speaker 4: after the death or before death?
Speaker 2: No?
Speaker 8: It was after the death, because you know, I didn't
Speaker 8: even get the deed until last year. My dad passed
Speaker 8: away twenty twenty one. Yesterday was three years that he
Speaker 8: has been gone.
Speaker 4: How many errors are there?
Speaker 17: Is?
Speaker 25: You?
Speaker 4: And who else?
Speaker 8: Me and a sister in California? Sister here and a
Speaker 8: brother that lives here.
Speaker 4: So there's four of you and the two that.
Speaker 8: Lived here split one of the houses the cost of
Speaker 8: the house. And then my dad gave me this house
Speaker 8: when my son, whom is forty, was five months old. Okay,
Speaker 8: And they made me paid for this house, but he
Speaker 8: charged me a lot more.
Speaker 4: Sue, because every.
Speaker 8: Time I hit on a point. Sue, madam raised the
Speaker 8: price of the house.
Speaker 14: Sue.
Speaker 4: Here's what counts. Okay, If there's four of you, do
Speaker 4: the other three? Are they satisfied? Is the conservator gone now?
Speaker 3: No?
Speaker 8: He is still here causing problems. He misappropriate.
Speaker 4: Wait after three years. After three years, you still have this.
Speaker 9: Yes, sir.
Speaker 8: And he did not do what he promised the repairs
Speaker 8: on my home. He broke his piduciary duties to me.
Speaker 8: He has done nothing but a disservice to me, because,
Speaker 8: like I said, there's twelve, fourteen and sixteen year difference
Speaker 8: between me and the other three.
Speaker 4: So, okay, you're giving me way too much information. I
Speaker 4: need to know this. Are the other three agreeing with
Speaker 4: each other?
Speaker 8: Of course they started it and my brother just goes
Speaker 8: along with it because he's scared.
Speaker 4: Okay, So the other three are not objecting to the conservator?
Speaker 4: Oh no, okay, then I'm going to tell you something
Speaker 4: to sue the will that in the will were you
Speaker 4: supposed to get an equal portion?
Speaker 8: Yes, sir, we were all supposed to get a quarter,
Speaker 8: and that has not been done yet either.
Speaker 4: Okay, So are you claiming are you claiming the are
Speaker 4: you claiming the concer? Is uh siding with the other
Speaker 4: three unjustly?
Speaker 19: Yes?
Speaker 4: Why?
Speaker 8: Because he has left me out of every decision. When
Speaker 8: I said no to the sale of my father's properties,
Speaker 8: he was in real estate and he had some rental properties.
Speaker 8: He did not want them sold. Whenever anybody objected, it
Speaker 8: was supposed to go back to court, no matter who
Speaker 8: it was. It never reached that point because they went
Speaker 8: over my head like, don't worry about her. She's just
Speaker 8: a family dog, and we're just going to deal with
Speaker 8: this ourselves. Okay, Well that's how it made me feel
Speaker 8: like I've been.
Speaker 4: Both who said he who said it was supposed to
Speaker 4: go back to court.
Speaker 8: The conservator said if anybody in the courts when we
Speaker 8: had the meeting on the phone with the courts via
Speaker 8: you know and you call in. Yeah, they said that
Speaker 8: if anybody objected to anything in the will, it would
Speaker 8: have to go back to court.
Speaker 4: Right.
Speaker 8: Funny how that never happened though, Okay, funny how the probate,
Speaker 8: I mean, conservators don't have a boss. That is not fair,
Speaker 8: that's right.
Speaker 4: Why But actually, though, the problem here is if the
Speaker 4: conservator was doing things against all of your wishes, you
Speaker 4: guys could all get together and remove the conservator.
Speaker 8: That's too late, now, way too late. Well, ye need
Speaker 8: a lawyer because he breached his fight, Sue.
Speaker 4: I'm going to tell you you do need an attorney
Speaker 4: because you may or may not have a good case
Speaker 4: after they review it, just because you disagree with a
Speaker 4: conservator doesn't mean they breach their duty. I'm not saying
Speaker 4: they didn't. I'm just saying whether you agree or not
Speaker 4: is not the standard they use. They use a.
Speaker 8: So that's why I know I have a Give me, just.
Speaker 4: Give me one element of proof that you have that
Speaker 4: he eached one element.
Speaker 8: Okay, he was supposed to upkeep these properties until we
Speaker 8: got the deeds, they were still considered to be rental properties.
Speaker 8: He did not fix the plumbing in my home and
Speaker 8: now it's wreaking havoc. And he did not fix the
Speaker 8: electrical panel that he said he was going to do,
Speaker 8: and we're having problems with that now as well.
Speaker 4: And there is a written document that says the estate
Speaker 4: is supposed to upkeep the house.
Speaker 8: Well, that's the conservatives job. Is a piduciary is supposed
Speaker 8: to upkeep the rental properties. Okay, keep them in amitting standards.
Speaker 4: Sue, that's not going to be that's not going to
Speaker 4: be considered fraud. Okay. What you need to do is
Speaker 4: you're right, you do need to talk to an attorney.
Speaker 4: But I'm going to warn you if an attorney neglects
Speaker 4: to take the case, that's going to be your signal
Speaker 4: that is not a good case. Now they're not going
Speaker 4: to work on contingency. Do you have a retainer for
Speaker 4: an attorney.
Speaker 8: Well, I'm going to have to come up with them somehow,
Speaker 8: because if my dad was in the military, surgeon.
Speaker 4: Sue, Sue, all of that, Sue, Sue, all of that
Speaker 4: doesn't matter right now. I'm trying to find an attorney
Speaker 4: for you. What I'm saying is this, I want you
Speaker 4: to know what you're facing because the other three are
Speaker 4: against you on air, Sue, you don't have to say
Speaker 4: too much. I'm telling you based on what you're telling me.
Speaker 4: Because the Conservator and the other three speak in unison
Speaker 4: and you're the odd man out. You're going to have
Speaker 4: an up hill battle when you go to court. There's
Speaker 4: got to be hard evidence of fraud and breach, hard evidence,
Speaker 4: not your opinion. I'm not. That's all I'm telling you.
Speaker 4: And here's what I'm going to tell you. I want
Speaker 4: when people call me, I think I do them as
Speaker 4: service by telling them the truth. It's going to cost
Speaker 4: you a five thousand dollars retainer upfront, okay, with any
Speaker 4: estate attorney, five thousand dollars upfront, and then you're gonna
Speaker 4: have to go through the motions. My prediction is if
Speaker 4: you are going to challenge the will and challenge what
Speaker 4: the conservator did, you're looking at a minimum of twenty
Speaker 4: five thousand dollars in legal proceedings.
Speaker 8: Those right, he tried to sue my son, Okay, and
Speaker 8: he lost that case.
Speaker 4: Sue You may win, but I'm just trying to prepare you.
Speaker 4: You're gonna have to have five thousand upfront, and it's
Speaker 4: probably gonna cost you another twenty just to get to court.
Speaker 4: That's twenty five thousand dollars. So what I'm hoping is
Speaker 4: if you win, it's going to be worth twenty five
Speaker 4: thousand to you because you will not be awarded attorneys fees.
Speaker 4: I'm just telling you most likely you will not be Now,
Speaker 4: if you want to call attorneys, I have suggestions for you, Okay.
Speaker 4: Dan McKenzie is one of them. He was on the show.
Speaker 4: And I'm going to give you the number, and Dan
Speaker 4: McKenzie will do it by the hour, and he'll give
Speaker 4: you an estimate, but it's going to be by the hour.
Speaker 4: He's a smaller firm, he's a good guy. It's eight
Speaker 4: three three COO Plans plans, Yes, co plans. P l
Speaker 4: A N s that he's local, but that's his number
Speaker 4: eight three three co plans. Now the other attorneys, I
Speaker 4: recommend that you check with talk to both of them.
Speaker 4: Here's what I like about these guys, Kiel and Park.
Speaker 4: I like both of them, Killan Park and Mackenzie. But
Speaker 4: with Keil and Park, they will give you a flat
Speaker 4: rate up front on what this case may cost. It
Speaker 4: will never go above that, it could go below it. Okay,
Speaker 4: they're at nine, they're at nine seven zero eight one
Speaker 4: eight eight eight. I wish you the best, but I'm
Speaker 4: just saying you got a real problem here because of
Speaker 4: the insurmountable and not insurmountable, the odds against you. When
Speaker 4: you have the other air siding with a conservator, it's very,
Speaker 4: very difficult. Go with a sure thing Denver's Best roofer
Speaker 4: Excel Roofing dot com. You don't pay a cent until
Speaker 4: you're content. Time for an insurance check up, free no
Speaker 4: obligation comparison call Compass Insurance paying too much your coverage
Speaker 4: at dozens of insurance companies find out now three O
Speaker 4: three seven to seven to one help. You'll think you're
Speaker 4: his only customer when you choose Frank durand the real
Speaker 4: estate man dot com to list your home with Remax
Speaker 4: Alliance three oh three nine two zero sixteen twenty two.
Speaker 25: Time.
Speaker 4: I'm Martine your shobble shooter three oh three seven to
Speaker 4: one to three talks seven one three eight two five five. Bruce,
Speaker 4: what's going on with you? Bruce?
Speaker 15: Thanks for taking my call?
Speaker 4: Tom, Yes, sir, what's happening?
Speaker 15: Yeah? At my group in's apartment complex, she isn't getting mail.
Speaker 15: So I went to the post office and said, what's
Speaker 15: going on. I talked to the manager and she said,
Speaker 15: they've been so many break ins. Did they take all
Speaker 15: the mail going there? They take it in to the
Speaker 15: complex management office and give it to them, And they
Speaker 15: told them.
Speaker 4: Wait a minute, wait a minute, so they don't deliver
Speaker 4: mail anymore. They just go to the office. Correct, All
Speaker 4: of the mail in the complex is delivered inside the office.
Speaker 15: Correct, instead of the mailboxes.
Speaker 4: And then you guys have to go in there to
Speaker 4: get your mail.
Speaker 15: Well, except one problem. They didn't notify anyone that that
Speaker 15: was happening. And this has been going on for probably
Speaker 15: three weeks.
Speaker 4: Wait a minute, and wait a minute. So people thought
Speaker 4: their mail just stopped coming exactly.
Speaker 15: Come on, yeah, and so the.
Speaker 4: Well who didn't notify him? Like, whose idea was.
Speaker 15: It to drop off the mail at the management office? Yes,
Speaker 15: the post office.
Speaker 4: Why did the post office? Wait a minute, why would
Speaker 4: the post office do that?
Speaker 15: Because there's probably three and eighty units in this complex
Speaker 15: and the boxes have been broken into.
Speaker 4: Okay, okay, I got it, so Bruce, But when when
Speaker 4: they drop off mail for three hundred and eighty units
Speaker 4: do they separate them?
Speaker 15: Yes, everyone has their own box for their.
Speaker 4: Oh okay, so it's just they just moved the boxes inside.
Speaker 4: But management never put out a memo saying your mail's
Speaker 4: in here from now on.
Speaker 15: Correct.
Speaker 4: So when you went by your mailbox, you just saw
Speaker 4: it was empty. There wasn't even there wasn't even a
Speaker 4: note saying fu. I mean, you just didn't have mail.
Speaker 15: Correct.
Speaker 4: Come on, No one can be that stupid. All they
Speaker 4: had to do was put a sign up on the
Speaker 4: mailbox is saying come on into the office.
Speaker 15: They didn't, And they have a daily email that goes
Speaker 15: out and never notified anything.
Speaker 4: I find it so shocking. Is this run by Republicans
Speaker 4: or Democrats? I'm just kidding, Bruce. Listen, listen, listen, man, really,
Speaker 4: so what did that do for that three weeks?
Speaker 15: There's apparently a pile of mail in the management's office
Speaker 15: and the biggest office.
Speaker 4: Did they put up a sign after that? Have you insisted?
Speaker 4: Have you insisted they put up a sign or notified people?
Speaker 15: Well, this just happened yesterday. When I went to the
Speaker 15: post office and said what's going on? The manager said okay.
Speaker 15: They also advised them if they don't correct that within
Speaker 15: a specific date, they will return any mail that goes
Speaker 15: to that address return to sender.
Speaker 4: What do you mean, what do they have to do?
Speaker 4: I don't get you.
Speaker 15: Well, because the h the mailboxes for each year isn't secured.
Speaker 15: They've been broken into multiple times, so they dump all
Speaker 15: the mail with the manager.
Speaker 4: You told me that, and then inside they have mailboxes.
Speaker 15: No, no, no, they have a pile of mail. There's
Speaker 15: no mailboxes in the management.
Speaker 4: You said there was, man, you said there were mailboxes
Speaker 4: inside the office.
Speaker 15: I did not, Tommy, Well you did.
Speaker 4: You said each one has their own mailbox inside the office.
Speaker 4: You said that not ten minutes ago.
Speaker 15: Okay, Well you misunderstood me. There's a building that.
Speaker 4: Can you play that back? Dragon? Please? You said, yeah, Yeah,
Speaker 4: they separate it and everyone has their own box in
Speaker 4: the office.
Speaker 15: The mail people did until they could deliver into the
Speaker 15: mailboxes because they're getting broken in.
Speaker 4: So when they deliver I'm going to ask this one
Speaker 4: more time. When they deliver to the office, it's in
Speaker 4: one big pile. Correct, And so the only way people
Speaker 4: can get their mail is if they went through the
Speaker 4: entire pile.
Speaker 15: Correct. And they've never notified anyone in the complex.
Speaker 4: Okay, well, they're actually breaking the law, you know.
Speaker 15: Well, I'm glad to hear that. Also, Tom I wanted
Speaker 15: to add talking to the manager of the post office,
Speaker 15: they notified them. If they don't correct this, they will
Speaker 15: return to send her all the mail that they receive
Speaker 15: for that address for that complex.
Speaker 4: But so the complex has one address with a unit number,
Speaker 4: and that was that's what differentiates it.
Speaker 15: Correct.
Speaker 4: We need to call over there right away, I swear
Speaker 4: to God. We need to call this place. We need
Speaker 4: to call we need to call this apartment unit and
Speaker 4: this apartment house. What's the name of it. Well, I
Speaker 4: don't know if I even want it on the air.
Speaker 4: I want to. I want to. I really want to
Speaker 4: catch them in the act. I can't are you honest
Speaker 4: to God telling me that they're that stupid? First of all,
Speaker 4: the post office is stupid.
Speaker 15: Too well, I swear to God, Tom this is happening.
Speaker 4: I find this hard to believe, almost impossible to believe. Okay, okay,
Speaker 4: here's what I want you to do, Bruce Kaschina. Get
Speaker 4: the name of this apartment house off the air with
Speaker 4: the address. Get Bruce's phone number. We need to look
Speaker 4: into this. We need to look into this damn thing.
Speaker 4: I even want to get video of the mail. I
Speaker 4: want to see what the hell there's gonna be.
Speaker 6: Like fores of mail stacked up.
Speaker 4: It's been three weeks weeks in a freaking post of
Speaker 4: This is a major travesty, man, I'm serious. How many
Speaker 4: units come on, Bruce? They're they're dropping off three hundred
Speaker 4: and eighty units of mail in one office in a pile.
Speaker 15: That's what the manager of the post office for that
Speaker 15: zip code told me.
Speaker 4: Okay, but you didn't see it.
Speaker 6: Yeah, I get a post I want to go.
Speaker 4: Hold on, Bruce, hang on, I mean you, I don't
Speaker 4: think this guy's making up a story. I want you
Speaker 4: to give a Kachina the name and address. I chuse me.
Speaker 4: The address of the of this apartment complex. Okay, in
Speaker 4: the office. Then you give me your name and address
Speaker 4: and phone number. I want to talk to you off
Speaker 4: the air. I'm Tom Martino. Go with a sure thing
Speaker 4: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance check
Speaker 4: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 4: too much your coverage at dozens of insurance companies find
Speaker 4: out now three o three seven to seven to 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 oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Did
Speaker 4: you believe that story? I mean, I'm gonna check it out.
Speaker 4: Three hundred eighty units, Now, if each gets a few
Speaker 4: pieces of mail, let's just do the math.
Speaker 6: Okay, they gotta have fifty sixty boxes of mail minimum.
Speaker 4: So did you do the mathough like three hundred eighty
Speaker 4: Let's just say three to eighty with an average of
Speaker 4: three pieces. Sure, three pieces, so eleven hundred and forty
Speaker 4: or okay, one thousand pieces a day times how many weeks?
Speaker 6: Three eighteen days, six days, six days, eighteen sixteen, eighteen
Speaker 6: thousand pieces of mail.
Speaker 4: Just sitting somewhere unsorted, ye, waiting for people. What if
Speaker 4: you have checks coming, you have bills? Do I mean?
Speaker 4: I almost, by the way me personally, I almost don't
Speaker 4: get any mail. I mean I don't get bills and
Speaker 4: I don't get checks. I mean everything's online. What I
Speaker 4: get the junk mail? Yeah, but that I don't care
Speaker 4: about him by the trash.
Speaker 6: Can you read it?
Speaker 4: Yeah, that's exactly what I do. I go to the
Speaker 4: recycle bin with it. No, obviously, Yeah, you're right. But
Speaker 4: I'm wondering, though, if people depend on mail still for
Speaker 4: like their Social Security check or any other kind of check,
Speaker 4: or if they have bills that come through the mail.
Speaker 4: Do you guys have bills? Do you still get bills
Speaker 4: to the mail? Jeff, No, no bills, Rodney? Do you
Speaker 4: a little bit?
Speaker 6: But you still have your doc?
Speaker 4: Do you write checks and pay your bills? Do you
Speaker 4: actually write.
Speaker 18: I sit down every time, every tenth of the month
Speaker 18: and write out checks to everybody.
Speaker 4: Get off my yard. I want to know where my
Speaker 4: money goes. Get off my yard. Little what he writes
Speaker 4: out his bills? Oh my god, did you know that
Speaker 4: they got like electronic ways.
Speaker 18: I didn't know that.
Speaker 4: Can you use your computer for that? I go on line.
Speaker 4: I don't even see the bills anymore. But that's that's
Speaker 4: a problem too sometimes because I want to see a train.
Speaker 18: Into one way or the other, and uh, I use
Speaker 18: my apogus and I'm fine.
Speaker 4: Kevincal can share at an autotech dot com, jeffvic Transmissions
Speaker 4: Denver dot com, Jeffarcars dot com. Ask for Rod Greer.
Speaker 4: He's a great guy. We got all kinds of stuff happening,
Speaker 4: but we're out of time. So remember, if you call
Speaker 4: three oh three Martino, you'll get help. Really, just leave
Speaker 4: your name and number three O three six two seven
Speaker 4: eight four sixty six. Save all your problems for me.