WEBVTT 1 00:00:05.200 --> 00:00:10.599 Ripped news needs so you don't have. 2 00:00:12.439 --> 00:00:15.160 You come running just as fast as we can. 3 00:00:16.039 --> 00:00:20.800 Show Shooter's gonna help coming man, This is. 4 00:00:20.760 --> 00:00:24.120 The Troubleshooter Show. No Tom Martino. 5 00:00:24.399 --> 00:00:30.519 Hey, I'm Tom Martino in the Mothership today having Car Friday. 6 00:00:30.679 --> 00:00:34.119 That's what it is. Welcome to the show. Three oh 7 00:00:34.159 --> 00:00:36.840 three seven one three talk seven one three eight two 8 00:00:36.840 --> 00:00:39.560 five five. This hour brought to by Genesis Totalexteriors dot 9 00:00:39.600 --> 00:00:42.679 Com for all of your exterior maintenance and now mold 10 00:00:42.759 --> 00:00:48.359 mitigation and eradication the honest way, Genesis Total Exteriors of 11 00:00:48.399 --> 00:00:52.600 Lifetime siding called align Siding Genesis Total Exteriors dot Com. 12 00:00:52.600 --> 00:00:57.679 Welcome Car Day, Car Friday. What's happening? Well, whatever's on 13 00:00:57.719 --> 00:01:00.119 your mind. It doesn't have to be about cars. But 14 00:01:00.119 --> 00:01:01.719 I have a number of things I want to talk about. 15 00:01:02.119 --> 00:01:08.239 I want to talk about leasing. I've decided the cost 16 00:01:08.280 --> 00:01:14.000 of money and the cost of cars and the cost 17 00:01:14.280 --> 00:01:16.680 of let's just put it this way. I used to 18 00:01:16.719 --> 00:01:21.000 think leasing was not a great idea. I think leasing 19 00:01:21.079 --> 00:01:24.799 is the best idea. Leasing is the most logical smart way. 20 00:01:25.079 --> 00:01:28.400 But there is a big giant pitfall when leasing, and 21 00:01:28.519 --> 00:01:31.280 everyone falls in it. But if you could get around 22 00:01:31.280 --> 00:01:34.120 the pitfall. I'm going to show you how it's wise. 23 00:01:34.319 --> 00:01:40.840 It's wisdom to lease in many cases. Now, remember I 24 00:01:40.879 --> 00:01:46.439 told you the leasing part has to do with if 25 00:01:46.439 --> 00:01:49.159 you do it right, if you do it wrong leasing, 26 00:01:49.439 --> 00:01:52.159 and most people do it wrong, leasing is terrible. So 27 00:01:52.200 --> 00:01:55.519 there's a lot to talk about leasing. The acquisition is 28 00:01:55.519 --> 00:01:58.200 where people get screwed. They pile on stuff they normally 29 00:01:58.239 --> 00:02:00.319 wouldn't pile on when they're purchasing because they have an 30 00:02:00.359 --> 00:02:03.519 artificially low payment, which takes the entire advantage out of 31 00:02:03.560 --> 00:02:07.959 a lease. The other thing is if you can't, and 32 00:02:08.000 --> 00:02:11.240 I'm telling you this, you will never and I mean never. 33 00:02:11.319 --> 00:02:15.199 I don't care what incentives they offer, you will never ever, ever, ever, ever, 34 00:02:15.319 --> 00:02:20.120 ever ever ever have a good lease. If you terminate 35 00:02:20.159 --> 00:02:23.960 early or you put on too many miles, do not 36 00:02:24.080 --> 00:02:31.000 do it, You absolutely positively will have a problem. The 37 00:02:31.039 --> 00:02:32.560 other thing, people say, what if I want to buy 38 00:02:32.639 --> 00:02:34.000 my car at the end of the lease. Nothing wrong 39 00:02:34.039 --> 00:02:37.919 with it, but I recommend that you don't, and we'll 40 00:02:37.919 --> 00:02:41.680 go over why and we'll talk about it. Three zero three. Well, 41 00:02:41.759 --> 00:02:44.439 I mean, I guess if it's an extraordinary deal. There 42 00:02:44.439 --> 00:02:47.159 have been some leases lately Jeffar Cars with us Rodney. 43 00:02:47.439 --> 00:02:51.039 There have been some cases where cars actually ended up 44 00:02:51.159 --> 00:02:53.719 being worth more at the end of the lease. Around 45 00:02:53.719 --> 00:02:55.960 COVID time, when you were coming up on a lease, 46 00:02:56.360 --> 00:02:58.639 your car was worth more than you could buy it 47 00:02:58.680 --> 00:03:01.240 out for and you had the option in some leases 48 00:03:01.599 --> 00:03:04.400 to buy it out right and then you keep it 49 00:03:04.520 --> 00:03:06.120 or sell it right. Put that might near your mouth. 50 00:03:06.159 --> 00:03:08.759 There persa right, weren't there a lot of cars coming 51 00:03:08.800 --> 00:03:11.840 up more expand I'm worth more than the residual. 52 00:03:11.479 --> 00:03:14.360 Right, And that's because of the lack of manufacturers cars 53 00:03:14.360 --> 00:03:16.879 that were out there, which brought up the price because 54 00:03:17.240 --> 00:03:20.520 we couldn't get cars and manufacturers wouldn't be able to 55 00:03:20.520 --> 00:03:23.199 produce them so and the new cars were not getting 56 00:03:23.199 --> 00:03:26.719 any used cars because they couldn't replace their used cars 57 00:03:26.719 --> 00:03:27.319 with a new car. 58 00:03:28.759 --> 00:03:31.560 Exactly. You can text me five seven seven thirty nine. 59 00:03:31.599 --> 00:03:34.520 That's the iHeart app. But you can also go directly 60 00:03:34.560 --> 00:03:38.199 to my phone seven four seven nine nine nine fifty 61 00:03:38.240 --> 00:03:40.599 two eighty that is my Google number. Forwards to my 62 00:03:40.599 --> 00:03:46.719 cell phone that's seven four seven nine nine eighty. And 63 00:03:46.759 --> 00:03:49.199 another thing I want to talk about. Somebody said, what 64 00:03:49.199 --> 00:03:56.240 do I do about political texts? Well, everyone that gets 65 00:03:56.240 --> 00:04:02.000 political texts can opt out. You opt out, you can't 66 00:04:02.000 --> 00:04:04.919 avoid the first ones. If you're a registered voter, if 67 00:04:04.919 --> 00:04:08.759 you're independent, you're going to get them from both. If 68 00:04:08.759 --> 00:04:11.240 you're Democratic Republican, you'll get from one or the other. 69 00:04:12.080 --> 00:04:14.680 But political people have a pass when it comes to 70 00:04:15.000 --> 00:04:19.040 the no call list. So the first one's free, or 71 00:04:19.079 --> 00:04:21.920 the first few when you opt out, they should honor it. 72 00:04:23.079 --> 00:04:24.720 But I'm going to be straight with you. No one's 73 00:04:24.759 --> 00:04:27.560 going to with No one's going to go after him 74 00:04:27.600 --> 00:04:32.040 if they don't. Okay, that's the truth. Let's talk to Kent. Hi, Kent, 75 00:04:32.120 --> 00:04:33.480 I'm Tom Martinez. What's going on? 76 00:04:33.600 --> 00:04:33.759 Kent? 77 00:04:36.120 --> 00:04:37.519 Good morning, Tom? Can you hear me? 78 00:04:37.639 --> 00:04:40.160 I'm sure, Ken Kent? What is happening in your life? 79 00:04:42.959 --> 00:04:46.120 In April of twenty twenty three, I hired a company 80 00:04:46.160 --> 00:04:49.399 called Turfin r Fin. 81 00:04:49.040 --> 00:04:53.199 Apostrophe Turfin and that is a landscaping company or what 82 00:04:53.319 --> 00:04:54.079 I'm just guessing. 83 00:04:55.279 --> 00:05:00.040 It's a landscaping company that specializes in synthetic turf installation. 84 00:05:00.439 --> 00:05:04.079 Turfin and it's an off of a Surfin I guess so. 85 00:05:04.480 --> 00:05:07.720 And this was April of this year, right, So what happened. 86 00:05:07.560 --> 00:05:10.560 Pearl of April of twenty twenty three oh of. 87 00:05:10.439 --> 00:05:12.839 Twenty twenty three. Sorry, okay, got it, go ahead. 88 00:05:14.399 --> 00:05:14.839 I have a. 89 00:05:15.079 --> 00:05:23.800 Issue with his performance to the contract. He installed the turf, 90 00:05:24.040 --> 00:05:25.879 and initially it was great, and it's been out in 91 00:05:25.920 --> 00:05:27.959 the sun a year and a little over a year, 92 00:05:28.279 --> 00:05:29.639 maybe four months. 93 00:05:29.959 --> 00:05:31.120 How much city installed? 94 00:05:32.800 --> 00:05:39.279 About five thousand square feet? Okay, not insignificant. But you 95 00:05:39.319 --> 00:05:41.240 know he's not going to retire on my job. 96 00:05:41.480 --> 00:05:41.680 Right. 97 00:05:42.560 --> 00:05:46.959 It's a lot of turf, bro, it is okay, yeah, 98 00:05:47.199 --> 00:05:49.399 it is. It's a lot. So what happened? 99 00:05:50.800 --> 00:05:54.600 He did not take the scenes down and they started 100 00:05:54.600 --> 00:05:58.079 coming apart and they're showing straight lines in the turf. 101 00:05:59.040 --> 00:06:01.480 So I sent him a email or excuse me, that 102 00:06:01.600 --> 00:06:03.319 text and ask him if he'd come out as he 103 00:06:03.360 --> 00:06:04.040 said he would do. 104 00:06:05.040 --> 00:06:07.720 Now, can I ask you something? When you said he 105 00:06:07.759 --> 00:06:10.120 did not tape the seams down, you're talking as if 106 00:06:10.439 --> 00:06:13.439 that standard. I don't know what standard. I'm asking you. 107 00:06:13.720 --> 00:06:15.519 Did you find out that was standard? 108 00:06:17.040 --> 00:06:19.600 I have since found out that was standard, and he 109 00:06:19.800 --> 00:06:22.759 just used the big yard pins to nail it down, and. 110 00:06:23.160 --> 00:06:26.199 That is okay. Did you have another company come out 111 00:06:26.240 --> 00:06:27.439 and say this was done wrong? 112 00:06:29.000 --> 00:06:29.319 Yes? 113 00:06:29.600 --> 00:06:33.279 Okay, keep going, bro, keep going, But you know. 114 00:06:33.199 --> 00:06:36.480 I'm Okay, as long as it is he comes back 115 00:06:36.519 --> 00:06:38.920 and tighten up the seams. You know, I'm not a professional. 116 00:06:39.160 --> 00:06:40.360 I trusted his judgment. 117 00:06:40.959 --> 00:06:43.759 Yeah, but in the meantime, Yeah, but okay, now does 118 00:06:43.839 --> 00:06:46.680 turf does the backing on the turf and the tape 119 00:06:46.759 --> 00:06:48.000 keep weeds from coming through? 120 00:06:50.319 --> 00:06:52.720 Well? He put down a weed fabric, which was good. 121 00:06:52.800 --> 00:06:54.360 Okay, he did install that good. 122 00:06:54.560 --> 00:06:57.639 Okay, So what are we having now? Are what do 123 00:06:57.680 --> 00:07:00.360 you want right now? 124 00:07:00.879 --> 00:07:03.360 I want him to fix the scenes and I want 125 00:07:03.439 --> 00:07:06.399 him to do what he said he would do in 126 00:07:06.439 --> 00:07:10.879 the contract and what he wrote in the contract, And 127 00:07:10.920 --> 00:07:13.879 it says there was a low area next to the 128 00:07:13.920 --> 00:07:17.839 patio that was water was pooling, and it says we'll 129 00:07:17.839 --> 00:07:21.000 build a retaining wall to help level the area so 130 00:07:21.160 --> 00:07:23.160 water no longer pools near a patio. 131 00:07:23.639 --> 00:07:26.360 How much how much would you pay for this job? 132 00:07:28.000 --> 00:07:28.519 Too much? 133 00:07:30.680 --> 00:07:36.040 How much would that be too much? Sixteen sixteen thousand? Okay, 134 00:07:36.319 --> 00:07:38.879 So here's what I want to know. When was the 135 00:07:38.920 --> 00:07:40.240 last time you talked to this guy? 136 00:07:41.639 --> 00:07:45.120 I texted him this morning and he told me Turfin 137 00:07:45.399 --> 00:07:46.759 has gone out of business. 138 00:07:47.680 --> 00:07:48.120 You're done. 139 00:07:48.120 --> 00:07:51.199 A new company. Apparently you're done. He's got a new company. 140 00:07:52.480 --> 00:07:53.720 Okay, you're done. 141 00:07:54.600 --> 00:07:57.079 I mean, that's what they do. That's what they do. 142 00:07:57.560 --> 00:08:01.439 They start LLC's, they end l Warranties are only as 143 00:08:01.480 --> 00:08:03.560 good as the company. I don't care who it is. 144 00:08:03.639 --> 00:08:06.560 I love my companies on the referral list, but truly, 145 00:08:06.600 --> 00:08:09.759 when they say a lifetime warranty, like, I'm not picking 146 00:08:09.759 --> 00:08:12.000 on anybody. I love them all, I really do. But 147 00:08:12.079 --> 00:08:14.600 if you get any one of them they say a 148 00:08:14.600 --> 00:08:19.759 lifetime warranty. Let's take Elite garage Floors, by the way, 149 00:08:20.000 --> 00:08:22.319 the wonderful company. They do the best job I've ever seen, 150 00:08:22.399 --> 00:08:26.920 Elite garage doors, and they say garage floors are guaranteed 151 00:08:26.920 --> 00:08:30.720 for life. Okay, Now, if Tony retires and goes out 152 00:08:30.759 --> 00:08:33.200 of business, who's going to do those floors? I mean 153 00:08:33.279 --> 00:08:35.639 unless you sell the company someone who takes over that, 154 00:08:35.799 --> 00:08:39.080 which they won't. No one will. I'm not singling out anyone. 155 00:08:39.120 --> 00:08:42.279 This is everyone in the world. Everyone who has a 156 00:08:42.279 --> 00:08:46.840 lifetime warranty. It's the lifetime of the one backing the warranty. Now, 157 00:08:47.200 --> 00:08:49.679 if they do it repeatedly and there's a pattern of 158 00:08:49.720 --> 00:08:52.600 deceit and corruption, that's different. If they do it now 159 00:08:52.600 --> 00:08:55.960 and then it's business. So if this guy sold a 160 00:08:56.000 --> 00:08:59.080 lot of stuff with warranties and then purposely went out 161 00:08:59.120 --> 00:09:01.759 of business because all of his claims. And you get 162 00:09:01.799 --> 00:09:04.200 together with other consumers and prove it and blah blah 163 00:09:04.240 --> 00:09:06.879 blah blah blah. But normally people don't do that and 164 00:09:06.919 --> 00:09:10.080 it's not worth it, and these sole practitioners know that. 165 00:09:10.600 --> 00:09:13.360 So this guy is just what was it just an LLC? 166 00:09:13.600 --> 00:09:15.679 Or is it a big corporation? What are we talking 167 00:09:15.720 --> 00:09:16.159 about here? 168 00:09:17.799 --> 00:09:21.440 I don't know how big it is. All I can 169 00:09:21.480 --> 00:09:23.840 tell you is, well, wait a minute, let me see. 170 00:09:24.120 --> 00:09:26.279 So he changed the name of the company to something 171 00:09:26.440 --> 00:09:30.600 very similar, synthetic Turfin LLC. 172 00:09:31.279 --> 00:09:33.559 He could call it Turfin number two. I mean, he 173 00:09:33.600 --> 00:09:37.759 could call it. Listen, they can dissolve the LLC and 174 00:09:37.840 --> 00:09:40.919 they can reinstitute a new one and they don't have 175 00:09:41.000 --> 00:09:43.480 to honor the past unless there is fraud. 176 00:09:45.480 --> 00:09:48.200 I think I'm hinting, hinting to fraud. 177 00:09:48.679 --> 00:09:50.360 Yeah, well, you can hint all you want. A fraud 178 00:09:50.399 --> 00:09:52.720 can I want? I want to help you, right, So 179 00:09:52.879 --> 00:09:55.039 I'm not being a smart ass. You can hint all 180 00:09:55.080 --> 00:09:58.559 you want, But so what tell me what's fraudulent? Tell me? 181 00:09:58.679 --> 00:10:01.240 You tell me where he committed fraud and again. When 182 00:10:01.320 --> 00:10:03.879 I say this, I'm not challenging you. This is an 183 00:10:03.919 --> 00:10:06.840 example for people listening who think that they're going to 184 00:10:06.879 --> 00:10:08.960 be able to get something done. I want to know. 185 00:10:09.240 --> 00:10:10.720 Tell me what he did. This's fraudulent. 186 00:10:12.360 --> 00:10:14.799 He said he would intall install a French train. 187 00:10:15.120 --> 00:10:17.919 Okay, do that? All right? Hold on, all right, hold on. 188 00:10:18.000 --> 00:10:20.799 He breached the contract. The damages are you have no 189 00:10:20.840 --> 00:10:26.200 French strain. Now here's here's what would be fraud. Fraud 190 00:10:26.240 --> 00:10:29.559 would be if he never intended to do it, and 191 00:10:29.600 --> 00:10:32.279 he went ahead and charged you for it, got paid 192 00:10:32.320 --> 00:10:34.840 for it, and never intended to do it, In fact, 193 00:10:35.000 --> 00:10:37.840 intended to take the money and not do it. But 194 00:10:38.200 --> 00:10:41.679 he went out of business. And he'll say, your honor, 195 00:10:43.080 --> 00:10:46.039 I was going to do it. I ran into financial difficulty. 196 00:10:46.080 --> 00:10:54.639 I had to dissolve the company. Yeah, Kim, I probably 197 00:10:54.679 --> 00:10:59.519 think you're right. He probably is a scumbag, especially if 198 00:10:59.519 --> 00:11:03.519 you find I'm doing more and more of these. Now, 199 00:11:03.600 --> 00:11:05.480 what is the guy's name, by the way. 200 00:11:07.200 --> 00:11:13.759 Brian Richmond, Brian Richmond Company. He's in Firestone. Okay, company 201 00:11:13.840 --> 00:11:21.120 names Colorado Colorado Turfin with an apostrophe, synthetic turf company. 202 00:11:21.519 --> 00:11:23.840 Well, what you ought to do? What you ought to 203 00:11:23.879 --> 00:11:32.840 do is let people know online reviews and as many 204 00:11:32.879 --> 00:11:35.320 reviews as you can do, especially up in his area. 205 00:11:35.720 --> 00:11:40.879 That's what you can do. I'm serious. It's you're gonna 206 00:11:40.919 --> 00:11:43.960 have less energy and less money spent having someone fix it. 207 00:11:46.879 --> 00:11:50.120 But since he's dissolved the first company and started the 208 00:11:50.159 --> 00:11:52.679 second one, I can't go to small claims or anything 209 00:11:52.720 --> 00:11:53.000 like that. 210 00:11:53.000 --> 00:11:55.279 Well you could try, I mean, you know that'll clust 211 00:11:55.279 --> 00:11:57.480 you fifty bucks. That's not a bad idea. You could 212 00:11:57.519 --> 00:12:01.360 sue him personally claiming Listen to this, now that the 213 00:12:01.919 --> 00:12:05.440 LLC was a disregarded entity and you were really doing 214 00:12:05.480 --> 00:12:09.039 business with him personally, and that he didn't here's what 215 00:12:09.080 --> 00:12:11.159 you're going to allege. He didn't have the he didn't 216 00:12:11.159 --> 00:12:15.919 have annual meetings, he didn't have minutes, he didn't keep 217 00:12:15.960 --> 00:12:19.279 records as an LLC. It was a sham, and that 218 00:12:19.360 --> 00:12:22.080 he is personally responsible to you. And when he signed 219 00:12:22.080 --> 00:12:26.759 the contract, he signed it as you know, personally, let 220 00:12:26.840 --> 00:12:29.799 him prove it was through the LLC. I mean that's 221 00:12:29.840 --> 00:12:32.679 a shot, right that the guy might that the judge 222 00:12:32.720 --> 00:12:36.159 might give a judgment against him, might sue him personally, though, 223 00:12:36.200 --> 00:12:38.960 don't sue the LLC. See what happens you could you 224 00:12:39.000 --> 00:12:42.080 could possibly win. I'm Tom Martino three h three seven 225 00:12:42.120 --> 00:12:47.519 one three two five. Go with a sure thing Denver's 226 00:12:47.559 --> 00:12:50.440 best roofer Excel Roofing dot com. You don't pay a 227 00:12:50.519 --> 00:12:57.000 cent until you're content. Time for an insurance check up free, 228 00:12:57.080 --> 00:13:00.759 no obligation. In comparison, call Compass Insurance paying too much 229 00:13:00.919 --> 00:13:03.879 your coverage at dozens of insurance companies find out now 230 00:13:03.960 --> 00:13:06.440 three all three seven seven to one. Help. You'll think 231 00:13:06.480 --> 00:13:09.080 you're his only customer when you choose Frank durand the 232 00:13:09.120 --> 00:13:11.759 real estate Man dot com to list your home with 233 00:13:11.879 --> 00:13:15.440 Remax Alliance three all three nine to zero sixteen twenty two. 234 00:13:19.159 --> 00:13:23.840 Hi Tom Martino here? Do we not have no YouTube? 235 00:13:23.879 --> 00:13:24.039 Right? 236 00:13:24.480 --> 00:13:27.879 No, there's nothing we can do about it. Tom, Is 237 00:13:27.919 --> 00:13:31.559 the laptop down because I might have? I might have 238 00:13:31.679 --> 00:13:33.480 had that. That might be my problem. Do you want 239 00:13:33.519 --> 00:13:36.679 me to get I can have somebody recycle it if 240 00:13:36.720 --> 00:13:39.000 you want to try that, we can. I think I 241 00:13:39.080 --> 00:13:41.759 might have. I think I was doing commercials in my 242 00:13:41.840 --> 00:13:45.360 studio and may have because of the fan. I might 243 00:13:45.559 --> 00:13:48.879 have put it in sleep or something, or put the 244 00:13:48.919 --> 00:13:53.279 top down. Are you finding it? Not responding it? It's 245 00:13:54.000 --> 00:13:57.200 not seeing the camera and the connection. So I'm gonna 246 00:13:57.240 --> 00:14:00.120 I'm gonna see I'll call over to the studio and 247 00:14:00.159 --> 00:14:03.480 see if we can get that recycled. For those waiting 248 00:14:03.519 --> 00:14:05.960 for YouTube, thank you, and we will try to get 249 00:14:06.000 --> 00:14:07.879 on that. I'll call you in the next break. Three 250 00:14:07.879 --> 00:14:11.480 oh three seven, one three eight two five five. So 251 00:14:12.279 --> 00:14:14.679 Tony's got a question on maintenance. Not sure what kind 252 00:14:14.679 --> 00:14:18.159 of maintenance? Oh on a Ford twenty twelve Ford f 253 00:14:18.240 --> 00:14:20.519 one fifty, guys, let me just ask this straight up. 254 00:14:21.000 --> 00:14:24.519 With normal weight maintenance, an F one fifty, normal maintenance, 255 00:14:24.519 --> 00:14:27.879 that's one of the most popular cars in the country, right, 256 00:14:28.000 --> 00:14:32.480 vehicles with normal maintenance? How long will and I mean 257 00:14:32.480 --> 00:14:35.080 this now, how long miles or years? Well, let's go 258 00:14:35.159 --> 00:14:38.360 miles because it could be years. How long will that last? 259 00:14:38.399 --> 00:14:42.000 How long will without any major repairs just regular maintenance? 260 00:14:42.080 --> 00:14:44.279 I think one hundred and fifty pretty. 261 00:14:44.000 --> 00:14:46.720 Easy with no major problems, no majors, as long as 262 00:14:46.720 --> 00:14:48.879 you do all the maintenance. Do you think that jet thing? 263 00:14:49.120 --> 00:14:50.000 Yeah, that's about right. 264 00:14:50.480 --> 00:14:52.000 So I mean you can easily get two and three 265 00:14:52.080 --> 00:14:54.399 hundred thousand miles out of those trucks as long as you, 266 00:14:54.399 --> 00:14:54.679 you know. 267 00:14:55.440 --> 00:14:57.279 Come up around one to fifty. Then what would be 268 00:14:57.279 --> 00:14:58.399 the first major thing. 269 00:14:58.399 --> 00:14:59.720 Most likely a transmission you. 270 00:14:59.679 --> 00:15:03.399 Thinks, Okay, then what we then bottom end? 271 00:15:03.480 --> 00:15:05.960 Yeah, just front end stuff and in turn. 272 00:15:07.600 --> 00:15:10.039 Radiators. You know that kind of basically would ever need 273 00:15:10.159 --> 00:15:11.679 a job an engine engine? 274 00:15:11.720 --> 00:15:13.159 It shouldn't if you take care of it. 275 00:15:13.320 --> 00:15:16.279 Really, now, Tony, what's your question, sir? 276 00:15:17.879 --> 00:15:18.080 Well? 277 00:15:18.120 --> 00:15:22.480 First to comment on the turf guy, Yesh, I'm in 278 00:15:22.519 --> 00:15:26.360 the business. Uh, he essentially paid a little more than 279 00:15:26.399 --> 00:15:28.559 three bucks of square foot if he did five thousand 280 00:15:28.600 --> 00:15:35.000 square feet, sixteen thousand dollars. I have never bid a 281 00:15:35.200 --> 00:15:39.399 artificial turf installation job that costs less than ten dollars 282 00:15:39.399 --> 00:15:42.399 a square foot. Wow, I've already put in fifty thousand 283 00:15:42.440 --> 00:15:45.120 square feet, I mean five thousand. I think he just 284 00:15:45.639 --> 00:15:48.840 he spent five thousand dollars, I mean fifty thousand dollars right, 285 00:15:48.919 --> 00:15:53.519 So at sixteen thousand dollars for five thousand square feet, 286 00:15:54.200 --> 00:15:58.240 he got what he paid for, honestly, because I can't 287 00:15:58.279 --> 00:16:00.639 even believe the guy and the material will cost more 288 00:16:00.679 --> 00:16:02.720 than that. I don't know how it was done. It 289 00:16:02.759 --> 00:16:06.279 cannot be good material at their installation, and also the 290 00:16:06.320 --> 00:16:09.600 walls he's going to install walls and include those dollars 291 00:16:10.320 --> 00:16:17.039 crazy good price, so he shouldn't feel bad about that anyhow. Uh, yeah, 292 00:16:17.080 --> 00:16:21.559 I have an F one fifty twenty twelve to recently 293 00:16:21.720 --> 00:16:24.039 rated as the greatest used truck in the history of 294 00:16:24.080 --> 00:16:28.159 the planet because two hundred and twenty thousand miles. Absolutely 295 00:16:28.200 --> 00:16:32.960 nothing wrong with it. I'm just wondering, what, since it's 296 00:16:33.000 --> 00:16:37.600 got so many miles, what am I missing? I've changed 297 00:16:37.639 --> 00:16:40.519 the training oil and you know you're not missing anything. 298 00:16:40.519 --> 00:16:42.720 Bro, You're doing everything right. Yeah, you do what you're 299 00:16:42.759 --> 00:16:45.080 doing exactly. I want to ask something. How many miles 300 00:16:45.200 --> 00:16:47.080 you said? Two twenty? Wow? 301 00:16:46.960 --> 00:16:47.440 Twenty? 302 00:16:47.519 --> 00:16:49.159 Yeah, you're doing great. 303 00:16:49.360 --> 00:16:51.639 People look at my truck. You know you can tell 304 00:16:51.720 --> 00:16:53.840 from the front end what year it is or what 305 00:16:54.039 --> 00:16:56.639 range of years it is because of the headlight and 306 00:16:56.679 --> 00:16:57.039 the grill. 307 00:16:57.159 --> 00:17:00.519 Yeah. If you're that much person, I can't do Yeah. 308 00:17:00.600 --> 00:17:03.600 Yeah, but uh, people look at my truck and say, why. 309 00:17:03.320 --> 00:17:05.079 Do people love that truck so much? I mean, do 310 00:17:05.200 --> 00:17:06.200 you tell me, Tony. 311 00:17:06.279 --> 00:17:09.200 I'm not I will never I will never drive anything, But. 312 00:17:09.319 --> 00:17:11.319 Tell me what one I mean? I I mean, I'm 313 00:17:11.359 --> 00:17:13.720 not denying that. I'm just saying, what do people love 314 00:17:13.759 --> 00:17:17.000 them so much? Why are they? Do they have beautiful interiors. 315 00:17:18.319 --> 00:17:24.440 I've got the platinum trim. It's fantastic. Uh, it's so comfortable. 316 00:17:25.119 --> 00:17:27.000 I mean I'll just never drive anything. 317 00:17:28.200 --> 00:17:32.920 Sure sure, sure, wow, So okay, well I just wouldn't 318 00:17:32.920 --> 00:17:35.759 make sure I was Well, guys, I mean you just 319 00:17:35.839 --> 00:17:39.480 heard them say that if if it's moving, it's grooving. 320 00:17:39.759 --> 00:17:42.400 So you don't do anything until you need to, you 321 00:17:42.440 --> 00:17:43.680 do your regular maintenance. 322 00:17:43.759 --> 00:17:47.079 And he's obviously doing it. Well yeah, yeah, well. 323 00:17:46.960 --> 00:17:49.759 I'm to him. I use by the way, they're a 324 00:17:49.759 --> 00:17:55.279 great shop. I love Scottie. What's that budget A one? 325 00:17:55.759 --> 00:18:02.079 Yeah yeah schmid Mark, Yes, he said budget one transmission 326 00:18:02.640 --> 00:18:03.960 it sent down on Santa Fe. 327 00:18:03.920 --> 00:18:06.920 Right, yep, yep, yep, Mark mcclaus. 328 00:18:08.000 --> 00:18:11.920 I think it's Machowsky Mark, great guy, great people. 329 00:18:12.960 --> 00:18:13.359 Yeah. 330 00:18:13.599 --> 00:18:15.680 So all right, so listen. 331 00:18:16.319 --> 00:18:18.400 You're you're doing well. Now you're going to come up 332 00:18:18.440 --> 00:18:21.279 on a transmission soon. What will that cost there, Jeff? 333 00:18:21.319 --> 00:18:25.920 A transmission because you're still a four speed, no sixty 334 00:18:26.240 --> 00:18:26.720 six speed. 335 00:18:27.279 --> 00:18:29.279 That can cost up words getting you know, around the 336 00:18:29.279 --> 00:18:30.480 sixty five hundred dollars Mark. 337 00:18:31.559 --> 00:18:33.920 You know, when it comes to a training, I mean 338 00:18:33.960 --> 00:18:37.440 I just had the training oil change or flew a change, 339 00:18:37.519 --> 00:18:40.599 and uh they did a complete checkout and said, everything 340 00:18:40.599 --> 00:18:44.119 looks fantastic, and when it comes to time to replace 341 00:18:44.160 --> 00:18:46.160 the training, it's probably time to replace the truck. 342 00:18:46.279 --> 00:18:48.400 I don't know. I don't know. I mean it depends 343 00:18:48.400 --> 00:18:51.200 if you like you know, I'm serious, it depends. I 344 00:18:51.240 --> 00:18:54.640 mean you could, but there you could actually if you 345 00:18:54.720 --> 00:18:56.240 replace that trainee, get another? 346 00:18:56.640 --> 00:18:57.319 What get another? 347 00:18:58.920 --> 00:19:00.960 It's really up to you. At this point. You did 348 00:19:00.960 --> 00:19:03.440 the right thing by you did the right thing by 349 00:19:03.960 --> 00:19:05.880 just keeping track of this. Do you know how much 350 00:19:05.920 --> 00:19:09.039 they're going for in your vintage with all that miles? 351 00:19:09.039 --> 00:19:10.799 Do you know what they're going for? What do you think? 352 00:19:10.960 --> 00:19:14.000 I'm afraid to know. Probably five thousand. 353 00:19:13.680 --> 00:19:17.000 Dollars No, no, way, more twelve to fifteen yeah, twelve to 354 00:19:17.000 --> 00:19:20.319 fifteen thousand birth yeah, I mean come. 355 00:19:20.240 --> 00:19:21.920 On, okay, well that's better than I thought. 356 00:19:22.119 --> 00:19:27.200 Well actually, no, your trim package is more. Absolutely yeah. 357 00:19:27.359 --> 00:19:31.160 Didn't you have the best? Uh yeah, pretty good? Pretty good. 358 00:19:33.240 --> 00:19:37.359 I'm telling you, uh hey, you can't. There's a reason 359 00:19:37.400 --> 00:19:40.720 they're selling out selling everything in the world right now, 360 00:19:40.799 --> 00:19:43.839 as far as most dependable brands. J f R Cars 361 00:19:43.880 --> 00:19:47.640 brought this in from Consumer Reports. Now, remember I want 362 00:19:47.640 --> 00:19:50.720 to tell you something about consumer reports. It's this organization 363 00:19:51.440 --> 00:19:55.440 obviously is credible, but they do everything on surveys. Okay, 364 00:19:55.559 --> 00:19:58.079 keep that in mind. They don't go out and actually 365 00:19:58.119 --> 00:20:01.440 research it, not that they need to, but and surveys 366 00:20:01.519 --> 00:20:05.000 are probably some of the most can be some of 367 00:20:05.039 --> 00:20:08.599 the most accurate. But people who have problems report more 368 00:20:08.640 --> 00:20:11.799 than people that love what they have. Well, well, actually, 369 00:20:11.799 --> 00:20:14.920 I should put it two ways. If you absolutely love 370 00:20:15.319 --> 00:20:21.000 perfection and everything, if you're extremely happy, you'll make noise, 371 00:20:21.519 --> 00:20:25.680 or unhappy you'll make noise. The mediocre, the middle customers 372 00:20:25.680 --> 00:20:28.880 don't make noise, and it's hard to get them to 373 00:20:28.920 --> 00:20:34.599 do surveys. But and we don't know the actual realities. 374 00:20:34.880 --> 00:20:36.519 You could have somebody who said I had nothing but 375 00:20:36.599 --> 00:20:39.240 trouble with that truck or car, and really it was 376 00:20:39.400 --> 00:20:41.519 minor and with the right shop it wouldn't have been 377 00:20:41.559 --> 00:20:44.960 nothing but trouble. So you'll get a faulty survey. I 378 00:20:44.960 --> 00:20:47.440 get that's just the way it is. But if you 379 00:20:47.519 --> 00:20:50.440 do go by the surveys of consumer reports, Lexus is 380 00:20:50.519 --> 00:20:54.640 number one for quality or for reliability. I'm sorry, Toyota's 381 00:20:54.720 --> 00:20:59.559 number two, Mazda's number three. Now I defy that Mazda 382 00:21:00.079 --> 00:21:03.200 price me as we come y, guys. Number four is accurate. 383 00:21:03.359 --> 00:21:09.160 Number five is Honda. I don't know. Let's talk to Mike. Mike, 384 00:21:09.200 --> 00:21:13.839 you're talking about a Dodge Derrango two thousand and two. Yes, Hi, Tom, Hey, 385 00:21:13.880 --> 00:21:14.519 what's going on? 386 00:21:15.720 --> 00:21:18.480 I bought that two thousand and two Durrango in two 387 00:21:18.559 --> 00:21:21.839 thousand and four and I still have it. I bought 388 00:21:21.839 --> 00:21:24.039 it with thirty thousand miles on it, and I have 389 00:21:24.079 --> 00:21:26.240 two hundred and sixty thousand miles on it. 390 00:21:27.000 --> 00:21:29.480 Oh wow, what did you do to it? 391 00:21:30.279 --> 00:21:34.240 I just just regular eight AND's I put a radiator, 392 00:21:35.119 --> 00:21:38.960 a starter, and an alternator on it. That was it 393 00:21:39.480 --> 00:21:42.079 so far. But I just kept care of it. 394 00:21:42.240 --> 00:21:43.759 Well you are taking care of it. What are you 395 00:21:43.759 --> 00:21:45.119 going to do with it? Just run it till the 396 00:21:45.119 --> 00:21:45.960 wheels fall off. 397 00:21:46.640 --> 00:21:49.000 I guess I'm not gonna I was going to get 398 00:21:49.000 --> 00:21:50.680 a truck and sell it, and now I'm not going 399 00:21:50.680 --> 00:21:52.359 to get much money for trade in, so I'm just 400 00:21:52.400 --> 00:21:54.440 going to keep it until it falls apart. 401 00:21:54.720 --> 00:22:00.519 Now, people people who buy vehicle and run it their 402 00:22:00.559 --> 00:22:04.920 money ahead, or people who lease. I think the weirdest 403 00:22:04.920 --> 00:22:07.319 thing you can do is what I've done. I think 404 00:22:07.400 --> 00:22:09.960 I have wasted a ton of money on cars. The 405 00:22:09.960 --> 00:22:13.799 way I bought them in the past, and I pay 406 00:22:13.839 --> 00:22:16.559 for them, and I think it's stupid, it's a bad 407 00:22:16.680 --> 00:22:19.440 use of capital. I'm learning so much about this as 408 00:22:19.480 --> 00:22:23.240 I actually did the math. I used to want to say, well, 409 00:22:23.279 --> 00:22:25.160 I own it. I didn't want to payment, I didn't 410 00:22:25.160 --> 00:22:27.519 want to mess with anything. I just wanted to own it. 411 00:22:28.119 --> 00:22:30.400 And it was a bad use of capital. It was 412 00:22:30.519 --> 00:22:33.400 literally costing me way more money than if I had 413 00:22:33.480 --> 00:22:37.240 leased it. And now this is not in a time 414 00:22:37.279 --> 00:22:38.640 of my life where I was putting on a lot 415 00:22:38.640 --> 00:22:42.680 of mileage. That's different. Financing can be a bad thing, 416 00:22:42.880 --> 00:22:45.400 and of course it all has to do whether leasing 417 00:22:45.519 --> 00:22:49.000 or buying. It all has to do with acquisition, with purchase, 418 00:22:49.079 --> 00:22:52.480 with the initial cost. And that's where most people get 419 00:22:52.519 --> 00:22:57.319 screwed on the initial costs, especially with leasing, because your payment, 420 00:22:57.519 --> 00:23:00.640 as I say, is artificially low because you're only paying 421 00:23:00.680 --> 00:23:03.880 for the use of the vehicle. Dealers have a tendency 422 00:23:03.920 --> 00:23:08.559 to pack the payment that takes out all the value. Right, 423 00:23:08.599 --> 00:23:11.079 don't you think, Rodney, you're you're leasing guy was here? 424 00:23:11.079 --> 00:23:14.440 What a great guy. What's his first name? Bob? Bob? 425 00:23:14.680 --> 00:23:17.319 What a good guy? Now, Bob said, they don't do 426 00:23:17.400 --> 00:23:19.720 that he'll he'll let you buy whatever you want, but 427 00:23:20.160 --> 00:23:21.880 he gives you the raw numbers, right. 428 00:23:22.960 --> 00:23:26.279 We don't pack the numbers. We give you the numbers. 429 00:23:26.359 --> 00:23:30.240 And and you know the challenge is when people go 430 00:23:30.359 --> 00:23:32.880 in and say my payments, I want my payment five 431 00:23:32.960 --> 00:23:33.880 hundred dollars a month. 432 00:23:34.359 --> 00:23:35.039 Well, they're going to. 433 00:23:35.079 --> 00:23:37.440 Do everything to make sure it's it's five hundred. 434 00:23:38.680 --> 00:23:41.200 Yeah. And then well here's the problem. They're they're comparing 435 00:23:41.240 --> 00:23:43.240 a lease with a purchase and there could be a 436 00:23:43.279 --> 00:23:45.480 two or three hundred dollars difference. Right, So if there's 437 00:23:45.519 --> 00:23:48.920 a two or three hundred dollars difference, the dealer says, hmm, 438 00:23:49.039 --> 00:23:51.039 I'll get him to within one hundred dollars. She thinks 439 00:23:51.039 --> 00:23:53.559 he's getting a deal. You have just destroyed the benefit 440 00:23:53.599 --> 00:23:55.839 of a lease. So we'll talk about that coming up. 441 00:23:55.880 --> 00:24:02.759 If you have any questions, you can call as well. 442 00:24:02.839 --> 00:24:06.119 Go with a sure thing Denver's Best Roofer, Excel Roofing 443 00:24:06.200 --> 00:24:08.880 dot com. You don't pay a cent until you're content. 444 00:24:12.240 --> 00:24:15.799 Time for an insurance checkup, free no obligation comparison call 445 00:24:15.880 --> 00:24:19.200 Compass Insurance paying too much your coverage at dozens of 446 00:24:19.240 --> 00:24:22.200 insurance companies find out now three oh three seven seven 447 00:24:22.279 --> 00:24:25.039 one help. You'll think you're his only customer when you 448 00:24:25.119 --> 00:24:27.599 choose Frank durand the real estate Man dot com to 449 00:24:27.680 --> 00:24:30.839 list your home with Remax Alliance three oh three nine 450 00:24:30.880 --> 00:24:41.880 two zero sixteen twenty two. Hi, Tom Martino, you're a troubleshooter. 451 00:24:41.960 --> 00:24:45.079 Three o three seven one three talk through a three 452 00:24:45.160 --> 00:24:47.720 seven one three eight two five five. Waterpros dot Net 453 00:24:47.759 --> 00:24:51.119 the best water systems, the lowest prices ever bar none. 454 00:24:51.400 --> 00:24:56.400 Oh do I love water pros and you will too. 455 00:24:56.680 --> 00:25:02.160 Now let's keep going here. Okay, and by the way, oh, 456 00:25:02.200 --> 00:25:04.880 let me give you the number for water Pros three 457 00:25:04.960 --> 00:25:07.680 oh three eight six two five five five four. If 458 00:25:07.680 --> 00:25:09.680 you're gonna get one system, I would go with the 459 00:25:09.720 --> 00:25:13.000 reverse Osmosis fourteen hundred bucks drinking water, but you can 460 00:25:13.039 --> 00:25:16.400 also get the softener. And then, hint, hint, I'm gonna 461 00:25:16.559 --> 00:25:19.559 hit them up during the holidays for another special on 462 00:25:19.599 --> 00:25:24.480 the whole shooting match. Uh okay, now, Vernon, I'll take 463 00:25:24.480 --> 00:25:26.359 this call. It sounds like a quick one. You want 464 00:25:26.359 --> 00:25:28.839 to give kudos. I love kudos. Where you gonna tell 465 00:25:28.880 --> 00:25:29.759 me how handsome I am? 466 00:25:29.799 --> 00:25:33.359 Go ahead, Vernon, negative on that all right? 467 00:25:34.359 --> 00:25:37.599 No, we're talking about maintenance on vehicles. I got a 468 00:25:37.759 --> 00:25:40.680 f one fifty that has two hundred and forty thousand, My. 469 00:25:41.839 --> 00:25:44.599 Love, I can't believe all these high mileage guys doing 470 00:25:44.839 --> 00:25:45.640 great stuff. 471 00:25:46.000 --> 00:25:51.480 Wowka and Uh, Cody and Sean at silter Hard and 472 00:25:51.799 --> 00:25:55.000 UH in their service department. They take good care of me. 473 00:25:55.079 --> 00:25:55.279 Man. 474 00:25:55.400 --> 00:25:58.480 That's good because silter Hart changed hands, but they're still 475 00:25:58.480 --> 00:25:59.039 good people. 476 00:25:59.880 --> 00:26:01.839 I'll tell you what. I got a couple of good 477 00:26:01.880 --> 00:26:04.400 service guys that are great, and I've been going there 478 00:26:04.559 --> 00:26:05.599 since so too. 479 00:26:05.559 --> 00:26:08.039 So they're not. 480 00:26:09.680 --> 00:26:13.200 I just do regular maintenance on my truck and it runs. 481 00:26:12.880 --> 00:26:13.440 Like a top. 482 00:26:15.720 --> 00:26:17.599 Good good good. Hey. 483 00:26:17.759 --> 00:26:19.240 So the other words. 484 00:26:19.279 --> 00:26:24.799 The other kudos is Tony garage doors. 485 00:26:25.519 --> 00:26:28.200 Yeah, not garage doors. 486 00:26:28.720 --> 00:26:33.160 He did my floor and my patio outside and it 487 00:26:33.200 --> 00:26:36.440 looks outstanding. I've never met a guy as great as him. 488 00:26:36.799 --> 00:26:40.400 No, he is a lot. He is so dedicated. 489 00:26:41.519 --> 00:26:45.079 Oh man, he he came over, he was he was 490 00:26:45.119 --> 00:26:49.400 not feeling good. He did everything that needed to be done. 491 00:26:49.640 --> 00:26:51.559 And I was shocked when he did my patio. 492 00:26:51.640 --> 00:26:52.519 How nice it looks. 493 00:26:52.559 --> 00:26:54.680 And it's always outside, so I don't even have a 494 00:26:54.720 --> 00:26:55.079 cover on. 495 00:26:55.400 --> 00:27:00.279 Mark found him and used him right, and I had 496 00:27:00.279 --> 00:27:02.839 already and I had already gotten someone to do my 497 00:27:02.920 --> 00:27:05.759 floors before that who wasn't on the referral list. We 498 00:27:05.799 --> 00:27:08.319 didn't know anyone. I just tried to find someone. And 499 00:27:08.400 --> 00:27:11.759 it's the tail of the tail of two floors. Marx 500 00:27:11.920 --> 00:27:16.519 was ten times better less, it's still perfect. I've actually 501 00:27:16.519 --> 00:27:19.200 had a little bubbling, a little chipping, you know what 502 00:27:19.839 --> 00:27:22.960 I'm telling you. It's one of the areas, unfortunately, where 503 00:27:23.000 --> 00:27:25.039 anyone can get in the business. You just buy the 504 00:27:25.079 --> 00:27:28.440 stuff and you're in the business. But not everyone deserves 505 00:27:28.480 --> 00:27:30.839 to be in the business. Elite Garage Floors, by the way, 506 00:27:30.920 --> 00:27:33.920 let me let me make that clear. ELITEGF dot com. 507 00:27:33.920 --> 00:27:37.559 That's the website. You'll never find better. You just won't. 508 00:27:37.880 --> 00:27:38.079 You know. 509 00:27:38.200 --> 00:27:41.839 I can say this about certain people on my referral 510 00:27:41.839 --> 00:27:44.559 list based on actual experience, Like when it comes to 511 00:27:44.599 --> 00:27:48.400 concrete lam landscaping, this guy's a perfectionist pain in the ass, 512 00:27:48.440 --> 00:27:52.640 perfectionist pain in the ass, perfectionist painter, Steve the painter. 513 00:27:53.440 --> 00:27:56.400 Oh my god. I mean, like, I love these people. 514 00:27:56.640 --> 00:27:59.559 Now they're small, well they're getting big, but but they 515 00:27:59.559 --> 00:28:02.920 don't want to be giant a perfectionist roofer. They are 516 00:28:02.960 --> 00:28:07.279 big excel roofing. I mean people. I didn't last forty 517 00:28:07.319 --> 00:28:09.960 five years by by giving out bad names. Every once 518 00:28:09.960 --> 00:28:11.759 in a while, we may hit it a little wrong, 519 00:28:11.839 --> 00:28:14.359 we get someone who but we've never had anyone just 520 00:28:14.400 --> 00:28:17.640 screw people, or never have anyone just really really bad. 521 00:28:18.599 --> 00:28:22.319 Thank God. Right now, Bill's got a comment on auto leasing, 522 00:28:22.319 --> 00:28:25.039 which I wanted to go over and to go home. Bill, 523 00:28:25.079 --> 00:28:25.920 what did you want to say? 524 00:28:26.279 --> 00:28:27.359 Okay, you forgot that. 525 00:28:28.039 --> 00:28:28.559 You said it. 526 00:28:28.599 --> 00:28:31.160 I didn't hear it. You forgot to tell them. See 527 00:28:31.160 --> 00:28:34.359 what I did was I leased my car for three 528 00:28:34.480 --> 00:28:38.240 years and then with COVID and everything, I put fifteen 529 00:28:38.359 --> 00:28:40.759 hundred miles on it and I bought. 530 00:28:40.559 --> 00:28:41.640 It at the end of the lease. 531 00:28:42.079 --> 00:28:43.480 That's all right, Yeah, that's all right. 532 00:28:43.559 --> 00:28:46.400 Yeah, so I got a brand new car almost And 533 00:28:46.480 --> 00:28:47.519 I know what was You. 534 00:28:47.440 --> 00:28:50.079 Know right, you bought a used car from yourself. You 535 00:28:50.160 --> 00:28:52.720 did it right. And people can do that if they 536 00:28:52.960 --> 00:28:55.759 like to keep cars a long time. That is not 537 00:28:55.880 --> 00:28:59.559 a bad system. It really isn't. And in that case, Rodney, 538 00:29:00.079 --> 00:29:02.000 in that case, we may have to call your lease guy. 539 00:29:02.000 --> 00:29:03.960 But I think I asked in this if I go 540 00:29:04.200 --> 00:29:07.240 over miles, but I'm going to buy it for myself. 541 00:29:07.599 --> 00:29:10.079 I don't pay a penalty right to the leasing company. 542 00:29:10.160 --> 00:29:12.839 I just know, I just pay the residual. If I'm 543 00:29:12.880 --> 00:29:16.720 willing to pay the residual, there's no downside. It has 544 00:29:16.799 --> 00:29:19.359 a little more miles. But here is the downside. You 545 00:29:19.400 --> 00:29:21.200 want to know what it is if I put too 546 00:29:21.240 --> 00:29:24.359 many miles on it and I buy it from myself 547 00:29:24.359 --> 00:29:30.119 for the residual. Let's say it's a forty thousand dollars residual. Technically, 548 00:29:31.119 --> 00:29:34.240 if I took that forty I might be able to 549 00:29:34.319 --> 00:29:40.680 find another car like mine with lower miles. Technically if 550 00:29:40.720 --> 00:29:42.000 I over miled it. 551 00:29:42.039 --> 00:29:44.079 Right right now. But you know the history. 552 00:29:44.200 --> 00:29:47.799 That's that's the point is you know how you treated it, 553 00:29:48.119 --> 00:29:50.599 and you're not going to lie to yourself like Tom, 554 00:29:50.680 --> 00:29:52.400 did you take good care of it? Yes? I did? Tom. 555 00:29:52.480 --> 00:29:54.759 You know you know if you did or not. That's 556 00:29:54.880 --> 00:29:57.240 that's the important thing. Now I'm going to go over 557 00:29:57.319 --> 00:30:00.440 leasing coming back. We got more coming up. The trouble 558 00:30:00.480 --> 00:30:06.640 for your show. Go with a sure thing Denver's Best 559 00:30:06.720 --> 00:30:09.599 Roofer Excel roofing dot com. You don't pay a cent 560 00:30:09.799 --> 00:30:15.880 until you're content. Time for an insurance check up free 561 00:30:15.960 --> 00:30:20.000 no obligation. Comparison call Compass insurance paying too much your 562 00:30:20.039 --> 00:30:22.960 coverage at dozens of insurance companies. Find out now three 563 00:30:23.039 --> 00:30:25.319 oh three seven to seven to one help You'll think 564 00:30:25.359 --> 00:30:27.960 you're his only customer when you choose Frank durand the 565 00:30:27.960 --> 00:30:30.640 real estate man dot com to list your home with 566 00:30:30.759 --> 00:30:38.799 Remax Alliance three oh three nine two zero sixteen twenty two. 567 00:30:39.680 --> 00:30:43.000 Hi Tom Martino here three oh three seven one three 568 00:30:43.039 --> 00:30:45.519 talks seven one three eight two five hive. Now, I'm 569 00:30:45.519 --> 00:30:49.799 gonna give ridiculous numbers because ridiculous numbers help bring home 570 00:30:49.839 --> 00:30:56.200 a bring home the story. If if you wanted to 571 00:30:56.200 --> 00:30:59.440 buy a really fancy car over two hundred grand, okay, 572 00:30:59.839 --> 00:31:04.799 the monthly payment on that extraordinarily high, I mean giantly high. 573 00:31:05.000 --> 00:31:08.440 If you put cash down, you tie up maybe two 574 00:31:08.519 --> 00:31:11.680 hundred and fifty grand two hundred and forty I'm talking 575 00:31:11.680 --> 00:31:14.880 about like a g Wagon. And by I'm just having fun, 576 00:31:14.960 --> 00:31:17.240 I mean I could have run these numbers on any car. 577 00:31:17.480 --> 00:31:20.279 But it does show because no matter what car you buy, 578 00:31:20.319 --> 00:31:23.319 it's all going to be about the same relatively the same, 579 00:31:24.000 --> 00:31:28.839 meaning the spreads. Now, if you do a going lease 580 00:31:28.920 --> 00:31:34.119 payment for a g Wagon for thirty six months, at 581 00:31:34.119 --> 00:31:36.839 the end of thirty six months, you will have invested 582 00:31:37.759 --> 00:31:41.559 one hundred thousand, one hundred and one thousand. Now that's 583 00:31:41.599 --> 00:31:43.680 at the end of three years. Now you might think 584 00:31:43.720 --> 00:31:45.880 that now that, by the way, that's a lot of money. Okay, 585 00:31:45.920 --> 00:31:47.400 But if you bought that, I mean a lot of 586 00:31:47.440 --> 00:31:49.079 people buy them. A lot of people listening to me 587 00:31:49.119 --> 00:31:51.599 buy them. Okay, Now make that cheaper. You could have 588 00:31:51.599 --> 00:31:54.119 fifty thousand in a lesser car. It doesn't matter. I'm 589 00:31:54.119 --> 00:31:56.279 just doing this because it's fun. Because it's a lot 590 00:31:56.319 --> 00:31:58.119 of money and it's fun. So let's say you have 591 00:31:58.160 --> 00:32:00.759 one hundred and one thousand dollars invested. At the end 592 00:32:00.759 --> 00:32:03.079 of three years, you tan that back, you walk away 593 00:32:03.160 --> 00:32:05.359 if you want. Okay, Now you might think, my god, 594 00:32:05.400 --> 00:32:08.079 you just wasted one hundred and one time. But listen 595 00:32:08.119 --> 00:32:13.119 to the idiots that buy those. Now they're putting out 596 00:32:13.359 --> 00:32:16.960 two hundred and some thousand dollars. So they had for 597 00:32:17.000 --> 00:32:20.720 that three years an extra an extra one hundred and 598 00:32:20.759 --> 00:32:24.240 fifty grand. Not working for him, That ur one hundred 599 00:32:24.240 --> 00:32:26.480 and forty. That one hundred and forty was not in 600 00:32:26.519 --> 00:32:29.640 their bank or not in investments. It was not working 601 00:32:29.680 --> 00:32:34.000 for them. It was sitting there doing nothing, done zero 602 00:32:34.759 --> 00:32:37.720 and at the end of three years now they have 603 00:32:37.799 --> 00:32:42.720 to sell that vehicle or trade it, they will never ever, 604 00:32:43.119 --> 00:32:46.119 even though you think you will get as much as 605 00:32:46.160 --> 00:32:50.759 the residual value, here's why you think you will, but 606 00:32:50.839 --> 00:32:54.319 you won't. If you trade it, you definitely won't. If 607 00:32:54.319 --> 00:32:56.359 you try to sell it, you may, but then you 608 00:32:56.359 --> 00:32:59.240 have to pay. I mean, if you want to go 609 00:32:59.240 --> 00:33:03.720 buy another car sales section, I'm telling you that you 610 00:33:03.759 --> 00:33:06.400 will never and you'll never make up for the money 611 00:33:06.440 --> 00:33:09.839 lost on the one forty. You had out for three 612 00:33:09.920 --> 00:33:16.920 years doing nothing, doing zip nothing, nothing, And if you 613 00:33:16.960 --> 00:33:21.839 stay within mileage, you literally if you admortise what you 614 00:33:21.839 --> 00:33:24.119 could make on the one forty, even at a T 615 00:33:24.319 --> 00:33:30.640 bill rate, and you figure the walking away, the no 616 00:33:30.759 --> 00:33:35.400 maintenance and the three years. Yeah, you spent a lot 617 00:33:35.440 --> 00:33:37.519 of money, but you had a g Wagon rank. Now 618 00:33:38.079 --> 00:33:43.079 apply that to any car. You are miles ahead. Literally 619 00:33:43.640 --> 00:33:47.079 if you can do that with any car, if you're 620 00:33:47.119 --> 00:33:53.240 going to finance that, the finance charges, the finance charges 621 00:33:53.279 --> 00:33:57.400 would be more, way more, and you'd be financing the 622 00:33:57.440 --> 00:34:02.519 whole thing. And again you would have a substantial down 623 00:34:02.519 --> 00:34:06.720 payment if you wanted to keep the payment even reasonable, 624 00:34:07.119 --> 00:34:09.519 and you'd have more of a cash outlay, not only 625 00:34:09.599 --> 00:34:12.639 would you have more capital outlay, but you'd have money 626 00:34:12.639 --> 00:34:17.360 you couldn't recover on any level, whether it's this you know, 627 00:34:17.519 --> 00:34:20.760 being fun over two hundred, or you buy a car 628 00:34:20.880 --> 00:34:25.000 for seventy or eighty or sixty. If you can stay 629 00:34:25.039 --> 00:34:31.559 within the miles and stay within the years, you are golden. 630 00:34:31.639 --> 00:34:35.079 We got more coming up. Go with a sure thing 631 00:34:35.199 --> 00:34:38.519 Denver's Best roofer Excel Roofing dot com. You don't pay 632 00:34:38.559 --> 00:34:44.639 a cent until you're content. Time for an insurance check 633 00:34:44.719 --> 00:34:48.559 up free, no obligation. In comparison, call Compass Insurance paying 634 00:34:48.639 --> 00:34:51.679 too much your coverage at dozens of insurance companies find 635 00:34:51.679 --> 00:34:54.039 out now three oh three seven to seven to one help. 636 00:34:54.199 --> 00:34:56.840 You'll think you're his only customer when you choose Frank 637 00:34:56.880 --> 00:34:59.360 durand the real estate Man dot com to list your 638 00:34:59.360 --> 00:35:02.559 home with Remax Alliance three all three nine two zero 639 00:35:02.639 --> 00:35:15.039 sixteen twenty two ripped up news that you don't happen. 640 00:35:17.000 --> 00:35:20.519 Come running just as nat as we can show. 641 00:35:20.719 --> 00:35:25.079 Shooter's gonna help, Come man, This is. 642 00:35:25.039 --> 00:35:29.519 The Troubleshooter Show. No Tom Martino, Hey. 643 00:35:29.400 --> 00:35:31.760 Tom Martino here, Welcome to the show. Three oh three 644 00:35:31.920 --> 00:35:34.480 seven to one three talk is our number. But you 645 00:35:34.519 --> 00:35:37.039 can call three oh three Martino twenty four seven three 646 00:35:37.039 --> 00:35:40.280 oh three six two seven eight four sixty six. Okay, 647 00:35:40.320 --> 00:35:42.000 it's a Friday, be happy. 648 00:35:42.119 --> 00:35:42.320 You know. 649 00:35:42.360 --> 00:35:44.599 The good thing about a four day weekend last week 650 00:35:44.679 --> 00:35:46.360 is that it's a short week this week, so you 651 00:35:46.400 --> 00:35:50.000 have four and four. Yeah, so welcome, and we're here 652 00:35:50.039 --> 00:35:52.880 to help you solve, solve problems, answer questions, take complaints. 653 00:35:52.920 --> 00:35:54.480 It's not really a four day weekend. It's a three 654 00:35:54.559 --> 00:35:59.559 day weekend. Three day sorry. Sorry, So anyway, we're here 655 00:35:59.760 --> 00:36:01.920 saw solving problems for you. It's car Day today. I 656 00:36:01.960 --> 00:36:05.119 have Kevin Colkin from Sheridan Auto tech dot com. We 657 00:36:05.199 --> 00:36:09.440 have Jefffick Transmissions Denver dot com, which is camera transmission. 658 00:36:09.480 --> 00:36:12.840 We have Rod Greer with jfrcars dot com. He's a 659 00:36:12.840 --> 00:36:16.079 car dealer extraordinary. We're talking about leasing and buying and 660 00:36:16.119 --> 00:36:19.719 all that. If you have comments, then we have Gary 661 00:36:19.760 --> 00:36:21.559 on the line. Wants to talk about mortgages. So we 662 00:36:21.599 --> 00:36:24.519 talk about anything about life, liberty and the pursuit of happiness. 663 00:36:24.519 --> 00:36:26.960 But one thing I want to say, since it's car Day, 664 00:36:27.960 --> 00:36:33.320 I I know the country says the country says, and 665 00:36:33.360 --> 00:36:38.599 not just the country government and incentives say, but people say, 666 00:36:39.159 --> 00:36:42.360 electric cars are good. I don't I don't know if 667 00:36:42.360 --> 00:36:47.440 it's a majority of people, but evs are getting popular 668 00:36:47.599 --> 00:36:53.239 and EV's are considered good, they're considered well, they are 669 00:36:53.239 --> 00:36:56.320 can I don't know anyone. Maybe some people hate them, 670 00:36:56.360 --> 00:36:59.519 but most people see they're pretty good. I love I 671 00:36:59.559 --> 00:37:02.480 love the do give an electric car. Here's the problem, 672 00:37:02.800 --> 00:37:04.760 and I'm just going to say it because I don't 673 00:37:04.800 --> 00:37:09.079 know why, but we are not rewarding people who buy 674 00:37:09.480 --> 00:37:12.840 electric cars. And I'm going to tell you why. We 675 00:37:13.599 --> 00:37:18.679 simply do not give them resale value. And I say 676 00:37:18.719 --> 00:37:21.719 we because that's what it is. People do not. They 677 00:37:21.760 --> 00:37:26.559 are the worst buy you can make for a new car, 678 00:37:26.639 --> 00:37:27.119 the worst. 679 00:37:27.599 --> 00:37:30.239 Well, you're but your your savings is on the front side. 680 00:37:30.360 --> 00:37:31.199 What's that Your. 681 00:37:31.039 --> 00:37:33.159 Savings is on the front right by the all the 682 00:37:33.199 --> 00:37:35.280 government stimulus and if. 683 00:37:35.559 --> 00:37:39.039 You qualify and get them right, you're right. But you 684 00:37:39.119 --> 00:37:43.280 really really are going to take a hit. Oh big, 685 00:37:43.760 --> 00:37:46.639 I mean, I don't. I don't understand why though, Why 686 00:37:46.679 --> 00:37:49.679 do they depreciate so much? If you have a Model 687 00:37:49.880 --> 00:37:54.719 S Tesla and you drive it moderately and you love it, 688 00:37:54.800 --> 00:37:59.400 in three years you don't have much left well, I think, 689 00:37:59.679 --> 00:38:01.800 and you you have at least seven years left on 690 00:38:01.840 --> 00:38:03.119 the battery, right. 691 00:38:03.440 --> 00:38:06.320 I think they're overpriced in the bit on the on 692 00:38:06.400 --> 00:38:07.679 the front side. 693 00:38:07.840 --> 00:38:09.800 I don't know. If you pay ninety six grand for 694 00:38:09.840 --> 00:38:13.159 a model ASS one hundred grand, what are they? I mean, 695 00:38:13.239 --> 00:38:16.480 I'm telling you, when you look at cars dot com, 696 00:38:16.679 --> 00:38:18.880 you want the best deal in the world, buy a 697 00:38:18.960 --> 00:38:24.960 used electric car. Holy crap. But they're bad deals new 698 00:38:25.320 --> 00:38:27.599 I don't want them to be. I mean, I had 699 00:38:27.639 --> 00:38:30.079 my eye and a couple I never pulled the trigger, 700 00:38:30.280 --> 00:38:32.800 mostly because of my wife. She just I mean, she 701 00:38:32.800 --> 00:38:34.000 doesn't want to be electrified. 702 00:38:36.400 --> 00:38:38.199 But tom, look look at the deal I got on 703 00:38:38.239 --> 00:38:42.639 my on my Corna. It's a beautiful car, same thing, 704 00:38:42.679 --> 00:38:46.519 ten years, one hundred thousand miles. The out door price 705 00:38:47.239 --> 00:38:49.880 before taxes and title was twenty. 706 00:38:49.599 --> 00:38:52.239 Seven Nobody can believe that he got. Oh, I'll show 707 00:38:52.280 --> 00:38:56.320 you the No I believe you so, But okay, so, 708 00:38:56.960 --> 00:38:59.199 but I don't know about your resale. I don't know 709 00:38:59.199 --> 00:39:01.559 how I can go down much, but it will. But 710 00:39:01.639 --> 00:39:04.519 the model, the Tesla's are the ones taking the biggest hits. 711 00:39:04.519 --> 00:39:07.800 Maybe I should qualify that the two oh Rivians too, 712 00:39:09.880 --> 00:39:10.480 but they're. 713 00:39:10.280 --> 00:39:12.440 All high in cars though. I think that's the. 714 00:39:14.880 --> 00:39:16.960 Yeah, but a lot of high in cars carry some 715 00:39:17.039 --> 00:39:20.280 good trade and value. My God, that that g that 716 00:39:20.119 --> 00:39:22.119 I that g wagon I had, I got as much 717 00:39:22.159 --> 00:39:24.119 for it when I trade that I when I sold 718 00:39:24.119 --> 00:39:24.760 it used. 719 00:39:25.519 --> 00:39:27.719 I think that's probably the exception of then the rule, 720 00:39:27.800 --> 00:39:31.239 because the most car, most cars, that has the most fat, 721 00:39:31.360 --> 00:39:32.239 he has the. 722 00:39:33.400 --> 00:39:37.559 Most fat, the most appreciation. Right if you overpay. Let's 723 00:39:37.639 --> 00:39:41.000 talk to Gary about mortgages. Go ahead, Gary, what's going on? 724 00:39:42.320 --> 00:39:42.639 Okay? 725 00:39:42.679 --> 00:39:45.920 I got a quick question. I don't understand. Basically, I 726 00:39:45.920 --> 00:39:48.119 guess how mortgages work. Maybe I'm not thinking of it 727 00:39:48.199 --> 00:39:51.440 correctly or something. I don't know the inside tracks. But anyway, 728 00:39:51.519 --> 00:39:54.119 let's I bought a house down car Springs where I 729 00:39:54.119 --> 00:39:56.280 live at in two thousand and eight for one hundred 730 00:39:56.280 --> 00:39:59.800 and thirty nine thousand on paper, and I financed it 731 00:40:00.079 --> 00:40:03.400 and with the VA, so it's covered with the VA loan. 732 00:40:03.800 --> 00:40:06.960 It was a refinanced for once to get the interest 733 00:40:07.039 --> 00:40:08.639 right down to like four and a half percent. Now, 734 00:40:09.119 --> 00:40:11.599 so I've been living in the house for fifteen years 735 00:40:11.800 --> 00:40:14.480 and it's one hundred and thirty nine thousand on paper, 736 00:40:14.960 --> 00:40:18.880 but it's been assessed value wise, it's going up a 737 00:40:18.920 --> 00:40:21.519 couple of times. So right now it's worth about two fifty. 738 00:40:21.599 --> 00:40:24.000 But my question is, after having lived in the house 739 00:40:24.400 --> 00:40:27.840 for fifteen years, an interest right now at four and 740 00:40:27.880 --> 00:40:31.599 a half percent, the principal balance owed on it is 741 00:40:31.920 --> 00:40:33.760 like one hundred and nine. So I've only paid out 742 00:40:33.880 --> 00:40:37.599 thirty nine thousand in fifteen years, right, I don't understand. 743 00:40:38.039 --> 00:40:39.880 I mean, because I understand, you know, over a period 744 00:40:39.880 --> 00:40:42.400 of time, you know the estro is short. 745 00:40:42.440 --> 00:40:43.880 So they I'll. 746 00:40:43.679 --> 00:40:46.679 Tell you, I'll tell you why, Gary, it's it's it's 747 00:40:46.719 --> 00:40:50.239 a little difficult to understand. And I don't mean for you, 748 00:40:50.480 --> 00:40:54.400 I mean for everyone and for me. But they're not 749 00:40:54.599 --> 00:40:58.719 amortized like a regular loan. They right, Well, here's what 750 00:40:58.760 --> 00:41:01.880 I mean. If you had one hundred thousand dollars loan 751 00:41:02.239 --> 00:41:06.760 that had simple interest, you would pay that, you would 752 00:41:06.760 --> 00:41:10.639 make a payment. And here's how to look at it. 753 00:41:10.679 --> 00:41:13.360 If it was interest only at ten percent, one hundred 754 00:41:13.400 --> 00:41:17.840 thousand you'd pay. You'd pay ten thousand a year in interest, 755 00:41:17.960 --> 00:41:21.760 right right? Ten percent? Okay, and that ten thousand, So 756 00:41:21.800 --> 00:41:24.360 if you paid ten thousand a year, your balance would 757 00:41:24.400 --> 00:41:28.840 stay at one hundred. If you then took and made 758 00:41:29.000 --> 00:41:33.519 principal payments every month, your principal payment would go down 759 00:41:33.559 --> 00:41:37.679 accordingly and be subtracted from. So if you made a 760 00:41:37.800 --> 00:41:41.920 fixed payment of a certain amount of money, your fixed 761 00:41:42.000 --> 00:41:48.239 payment would go against the principle and interest evenly. So 762 00:41:48.280 --> 00:41:51.320 you'd pay that ten thousand, let's just call it, like 763 00:41:51.400 --> 00:41:54.199 eight hundred bucks a month would go toward interest. None 764 00:41:54.239 --> 00:41:58.480 of that would come off your principle, but everything above 765 00:41:58.480 --> 00:42:01.880 that would be off your principle. And then each then 766 00:42:02.000 --> 00:42:06.639 each month your interest would be less, okay, and you 767 00:42:06.679 --> 00:42:09.920 would pay it off quickly and you wouldn't have that. 768 00:42:09.920 --> 00:42:15.599 That's simple interest on a mortgage. On a mortgage, you 769 00:42:15.760 --> 00:42:22.679 pay interest first, they amortize it, so the investor gets 770 00:42:22.880 --> 00:42:28.199 interest first, and then you start. So over a thirty 771 00:42:28.280 --> 00:42:32.000 year loan, roughly half of it is mostly interest and 772 00:42:32.039 --> 00:42:37.000 the other hands is mostly principal. It's done. It's done 773 00:42:37.079 --> 00:42:41.920 to attract mortgage bonds and interests and investors. Okay, you 774 00:42:42.000 --> 00:42:45.400 don't wait, you don't get little. If they had to wait, 775 00:42:45.519 --> 00:42:48.800 interests would be higher. For example, if I was going 776 00:42:48.840 --> 00:42:51.360 to loan out one hundred grand and have it amortized 777 00:42:51.400 --> 00:42:56.000 over thirty years, I wouldn't do it for thirty for 778 00:42:56.159 --> 00:42:59.840 dividing my interest by that many months, I wouldn't do it, 779 00:43:00.119 --> 00:43:02.239 No one would do it. But if you get a 780 00:43:02.280 --> 00:43:06.199 lot of your interest upfront, or even points upfront, that's 781 00:43:06.199 --> 00:43:08.920 a whole different topic. That's that's a hit you get 782 00:43:08.920 --> 00:43:11.440 and you get to keep it. Like for example, if 783 00:43:11.440 --> 00:43:13.280 I gave you one hundred thousand dollars loan, I want 784 00:43:13.280 --> 00:43:16.679 two points, you literally would pay two percent to me 785 00:43:17.119 --> 00:43:19.760 two grand just for me doing it, and I, you know, 786 00:43:19.880 --> 00:43:22.039 I'll just and then I get to keep that, plus 787 00:43:22.079 --> 00:43:25.679 I get my interest. So the point is this, there's 788 00:43:25.719 --> 00:43:30.239 an amortization schedule, and the only way to understand it 789 00:43:30.280 --> 00:43:32.679 is to look at that schedule, and you'll see in 790 00:43:32.719 --> 00:43:35.559 the beginning you're paying pennies on the principle, and it 791 00:43:35.599 --> 00:43:37.920 gets more and more and more and more and more. Okay, 792 00:43:38.239 --> 00:43:42.559 that's what it is, right, and then at the go ahead, Oh, 793 00:43:42.719 --> 00:43:43.119 I mean. 794 00:43:43.000 --> 00:43:44.920 That's kind of what that's kind of the point of 795 00:43:44.920 --> 00:43:47.280 my question is. You know, it's been there for fifteen 796 00:43:47.360 --> 00:43:49.960 years and it doesn't seem like I've paid off very much. 797 00:43:50.360 --> 00:43:54.639 But it's like, so now as I've kind oft made 798 00:43:54.719 --> 00:43:58.000 that midway mark, I should start seeing more start coming 799 00:43:58.079 --> 00:43:58.719 off the principal. 800 00:43:58.880 --> 00:44:03.039 No, you unless you refly when you refi, you don't 801 00:44:03.119 --> 00:44:06.639 keep the same term, you go back to thirty Okay. 802 00:44:06.920 --> 00:44:08.760 So that's the problem. To see a lot of people 803 00:44:08.760 --> 00:44:11.760 when they refi, they ReClock the loan. That's the bad 804 00:44:11.800 --> 00:44:13.719 way to do it. The right way to do it 805 00:44:13.760 --> 00:44:15.559 would be to refight to get the lower interest and 806 00:44:15.639 --> 00:44:19.519 keep the term where it is. That's the but that's 807 00:44:19.559 --> 00:44:23.199 what people don't do, and a lot of places won't 808 00:44:23.199 --> 00:44:25.760 do it. So here's another thing to keep in mind. 809 00:44:26.079 --> 00:44:29.239 If you took a thirty year amortization schedule, you got 810 00:44:29.239 --> 00:44:33.199 to visualize this and look at each payment as a line. 811 00:44:33.840 --> 00:44:38.239 One through twelve is the first year, right, and then 812 00:44:38.360 --> 00:44:41.320 thirteen through twenty four the second year. Okay, look at 813 00:44:41.480 --> 00:44:44.880 each payment as a line. You'll see on the first 814 00:44:45.000 --> 00:44:47.880 line there's a certain amount of interest and a certain 815 00:44:47.920 --> 00:44:51.199 amount of principle. Here is what you can do, but 816 00:44:51.320 --> 00:44:54.960 you must do it with a schedule. You take the 817 00:44:55.599 --> 00:44:59.760 line you're on and you make that payment. Then you 818 00:44:59.800 --> 00:45:05.639 go to the second line and make that principal payment 819 00:45:06.199 --> 00:45:11.079 only right now, See when you do that, the next 820 00:45:11.119 --> 00:45:14.599 payment you make will be the line after that. You 821 00:45:14.639 --> 00:45:18.719 have skipped that entire line by just paying that little 822 00:45:18.760 --> 00:45:23.800 bit of principle. If you do that every single month, 823 00:45:24.400 --> 00:45:27.760 eventually you'll be paying a lot of principle. But it'll 824 00:45:27.760 --> 00:45:30.760 take a while. But in your fifteen years, your thirty 825 00:45:30.800 --> 00:45:32.079 year loan would have been paid off. 826 00:45:33.519 --> 00:45:35.760 Right, Yeah, I want to. I mean I made my 827 00:45:35.840 --> 00:45:38.559 payment religiously every month and on that lead. 828 00:45:38.920 --> 00:45:40.599 And by the way, people don't have to have a 829 00:45:40.599 --> 00:45:42.400 fifteen year loan to do it. You can have a 830 00:45:42.400 --> 00:45:45.519 thirty year loan and you can self amortize it to thirty. 831 00:45:45.840 --> 00:45:48.239 You just go to the next line of principle. The 832 00:45:48.280 --> 00:45:51.599 next line of principle, you market principle. They must take 833 00:45:51.639 --> 00:45:54.760 it off. Do not make double payments. People make the 834 00:45:54.840 --> 00:45:58.280 mistake of making double payments. You don't have to pay 835 00:45:58.360 --> 00:46:01.400 interest in advance, simply pay principle. 836 00:46:02.440 --> 00:46:05.039 Yeah, if you were making an additional payment, it should 837 00:46:05.039 --> 00:46:06.199 be strictly principal and. 838 00:46:06.199 --> 00:46:07.559 Not to go to the right. 839 00:46:08.920 --> 00:46:11.199 And there's no reason if you're going to stay in 840 00:46:11.239 --> 00:46:13.840 the house to do anything more than the principle on 841 00:46:13.920 --> 00:46:16.679 the next line. In the beginning, people get bold because 842 00:46:16.679 --> 00:46:18.480 they see how small the principle is. A I want 843 00:46:18.480 --> 00:46:20.119 to do more? Who you can if you on, I guess, 844 00:46:20.320 --> 00:46:22.760 But then it gets to be uh, then you get 845 00:46:23.119 --> 00:46:26.119 higher up on the principal scale and it gets your 846 00:46:26.159 --> 00:46:29.079 payment climbs quickly. It's however you want to do it, 847 00:46:29.239 --> 00:46:32.280 But you can do that on your own, and I 848 00:46:32.360 --> 00:46:35.320 recommend that people do it whenever they can, whenever they're flush, 849 00:46:35.599 --> 00:46:38.079 they should do it and reduce principle. But you go 850 00:46:38.280 --> 00:46:42.679 directly to the principle and you'll love it your your loan. 851 00:46:43.239 --> 00:46:46.679 It may not affect the payment you're making on interest, 852 00:46:46.800 --> 00:46:49.079 like you're still going to have the same level payment, 853 00:46:49.599 --> 00:46:52.719 but it affects the term of how long you make 854 00:46:52.760 --> 00:46:53.639 that level payment. 855 00:46:55.840 --> 00:46:58.159 Yeah, because I mean, I bought my house to job 856 00:46:58.239 --> 00:47:00.599 nate and I'm I'm not complaining because I have a 857 00:47:00.639 --> 00:47:02.880 house right and I work in an apartment complex and 858 00:47:02.920 --> 00:47:05.880 Collin Springs and what they're ready pharmis for is more 859 00:47:05.880 --> 00:47:07.119 than my mortgage payment. 860 00:47:06.920 --> 00:47:07.679 For a bed o. 861 00:47:07.960 --> 00:47:10.840 It's terrible. It's terrible those who took advantage of low 862 00:47:10.880 --> 00:47:14.360 interest rates and own they're golden. We have more coming 863 00:47:14.440 --> 00:47:16.559 right up. I'm going to talk about a question on 864 00:47:16.639 --> 00:47:25.519 insurance homeowners insurance and also the no call list. Go 865 00:47:25.639 --> 00:47:29.360 with a sure thing Denver's Best Roofer Excel roofing dot com. 866 00:47:29.440 --> 00:47:35.159 You don't pay a cent until you're content. Time for 867 00:47:35.199 --> 00:47:38.960 an insurance check up free no obligation comparison call Compass 868 00:47:39.000 --> 00:47:42.280 Insurance paying too much your coverage at dozens of insurance 869 00:47:42.280 --> 00:47:44.760 companies find out now three oh three seven to seven 870 00:47:44.800 --> 00:47:47.559 to one help. You'll think you're his only customer when 871 00:47:47.559 --> 00:47:50.079 you choose Frank durand the real estate Man dot com 872 00:47:50.079 --> 00:47:53.159 to list your home with Remax Alliance three oh three 873 00:47:53.280 --> 00:48:06.519 nine two zero sixteen twenty two. Hi Tom Martino, you're 874 00:48:06.519 --> 00:48:09.599 a troubleshooter at three oh three seven one three talk 875 00:48:09.639 --> 00:48:12.079 three oh three seven one three eight two five five. 876 00:48:12.159 --> 00:48:14.800 Dan McKenzie is an estate planning attorney that I hope 877 00:48:15.159 --> 00:48:18.559 you never need, but everyone needs it, you know. I mean, 878 00:48:18.559 --> 00:48:21.079 I hope you don't need a mine tomorrow, but get 879 00:48:21.119 --> 00:48:24.679 an estate plan mackenzie Law. He's on the referral list 880 00:48:24.719 --> 00:48:28.159 at referral list dot com. He's a good guy and 881 00:48:28.199 --> 00:48:33.079 that's uh eight three three Coe plans. And somebody asked 882 00:48:33.119 --> 00:48:37.280 me about Excel roofing. They said, Tom, is it true? Now? 883 00:48:37.280 --> 00:48:40.280 They want to know this, is it true that I 884 00:48:40.400 --> 00:48:43.639 don't have to sign to have somebody look at my roof? 885 00:48:44.400 --> 00:48:47.800 Because I say, Excel doesn't make you sign anything they 886 00:48:48.119 --> 00:48:52.360 they claim. This person claimed from another roofer that it's 887 00:48:52.440 --> 00:48:55.400 for liability that if you don't sign something and they 888 00:48:55.440 --> 00:49:00.239 get hurt, then you have to pay for it as 889 00:49:00.239 --> 00:49:02.559 a post and your homeowner's insurance as opposed to their 890 00:49:02.719 --> 00:49:06.400 workers comp because you're not hiring them. That is the 891 00:49:06.440 --> 00:49:09.760 biggest crock of crap I have ever heard. If a 892 00:49:09.880 --> 00:49:12.599 roofer comes to your house to look at your roof 893 00:49:13.760 --> 00:49:18.199 to see what you need, you don't have to sign anything. 894 00:49:18.519 --> 00:49:21.400 Their workers comp would still cover them if they're on 895 00:49:21.599 --> 00:49:25.320 the job. They don't have to be being paid to 896 00:49:25.400 --> 00:49:28.079 do a roof to be on the job, so they're 897 00:49:28.159 --> 00:49:30.400 on the job for the roofing company, not for you. 898 00:49:31.679 --> 00:49:33.880 And so don't ever sign anything at the door. And 899 00:49:33.920 --> 00:49:37.480 Excel will never make you and they'll never take your 900 00:49:37.480 --> 00:49:40.320 first insurance check or your second insurance check or your third. 901 00:49:40.400 --> 00:49:44.400 They just pay you pay when you're done. E x 902 00:49:44.480 --> 00:49:46.360 C LXL roof dot com. I want to make that 903 00:49:46.400 --> 00:49:48.639 clear because I'm pretty pissed at these people that make 904 00:49:48.679 --> 00:49:52.599 people sign. So let's talk about insurance, Brent. What's going 905 00:49:52.639 --> 00:49:55.159 on with you and your homeowner's insurance? How can we 906 00:49:55.239 --> 00:49:55.519 help you? 907 00:49:56.639 --> 00:49:56.840 Hi? 908 00:49:57.119 --> 00:49:58.280 Hey for taking me? 909 00:49:58.440 --> 00:50:03.519 Yes, sir, I'm so last year in June on the 910 00:50:03.599 --> 00:50:07.440 twenty third, when the tornado went through, I was where 911 00:50:07.480 --> 00:50:10.599 it almost kind of started. It didn't completely form, but 912 00:50:10.639 --> 00:50:14.480 it was strong enough winds and things to do a 913 00:50:14.519 --> 00:50:15.960 fair amount of damage to my house. 914 00:50:16.199 --> 00:50:18.960 So it was wind damaged, wind damage. When was this 915 00:50:19.039 --> 00:50:22.800 wind damage? And hell wind inhale. 916 00:50:22.800 --> 00:50:26.840 The June twenty second, Yeah, twenty okay, got it? 917 00:50:27.039 --> 00:50:27.599 Twenty got it. 918 00:50:29.079 --> 00:50:33.920 And so I'm dealing with the siding part. I think, well, 919 00:50:33.960 --> 00:50:38.639 I'm kind of got that. But basically my fence was 920 00:50:39.280 --> 00:50:46.079 damaged and it it broke, the broke off from the 921 00:50:46.800 --> 00:50:48.639 bottom the So you're. 922 00:50:48.519 --> 00:50:50.679 Siding your fence. What else? Did you have a roof 923 00:50:50.760 --> 00:50:51.400 problem too? 924 00:50:52.079 --> 00:50:53.599 Yes, they fixed the roof already. 925 00:50:53.679 --> 00:50:56.480 Got that's a whole nother actually dealing. 926 00:50:56.800 --> 00:50:59.880 Roof, siding, and fence. By the way, you could have had, 927 00:51:00.199 --> 00:51:03.679 uh Genesis do all three of those. Okay, So anyway, 928 00:51:03.880 --> 00:51:07.159 so ask your question then about your fans. 929 00:51:07.599 --> 00:51:13.800 So they've kind of preapproved that. Now, the first contractor 930 00:51:13.840 --> 00:51:17.679 came out didn't do a great proper job of the 931 00:51:17.679 --> 00:51:20.199 evaluation of things. This is part of what I've been 932 00:51:20.239 --> 00:51:23.159 battling with the insurance company. And I got a new 933 00:51:23.159 --> 00:51:26.800 contractor and he's done a lot of help. But they 934 00:51:27.199 --> 00:51:32.840 agreed to have several posts replaced at the beginning. But 935 00:51:33.119 --> 00:51:36.079 when the new contractor came out and said, oh no, 936 00:51:36.239 --> 00:51:39.199 these are all these are like broken, broken free. We 937 00:51:39.280 --> 00:51:42.559 need to replace, you know, a lot more square footage. 938 00:51:42.639 --> 00:51:45.159 So then we sent it back to the insurance company. 939 00:51:46.360 --> 00:51:49.679 And now they're saying, oh, well, we looked at the 940 00:51:49.719 --> 00:51:52.159 pictures and they we were deeming. 941 00:51:51.840 --> 00:51:52.719 That this is. 942 00:51:54.280 --> 00:51:56.519 Oh guy, what's the what's the wear and tear? 943 00:51:56.840 --> 00:51:57.039 Yeah? 944 00:51:57.039 --> 00:51:58.639 And I'm like, and I talked to one of the 945 00:51:58.679 --> 00:52:02.960 managers over at liber and I said, Hey, how is 946 00:52:03.000 --> 00:52:06.119 this possibly wear and tear? When the when the wind 947 00:52:06.159 --> 00:52:10.280 was strong enough to completely break it free from the 948 00:52:10.559 --> 00:52:11.920 pence post in the ground. 949 00:52:14.039 --> 00:52:17.360 Well, here's what they're saying. If your fence was deteriorated, 950 00:52:18.320 --> 00:52:21.159 falling apart and the wind just did it in, that's 951 00:52:21.239 --> 00:52:21.960 what they're saying. 952 00:52:22.440 --> 00:52:23.719 I do it wasn't. 953 00:52:24.480 --> 00:52:25.800 That's what I was trying to tell. I like, I 954 00:52:25.840 --> 00:52:28.400 can climb on the fence, I could wiggle or not. 955 00:52:28.880 --> 00:52:30.840 I try to wiggle the fence, but I couldn't wiggle it. 956 00:52:31.119 --> 00:52:32.519 The thing was standing. There's nothing. 957 00:52:32.559 --> 00:52:35.760 So they're claiming part they're claiming part of your damage 958 00:52:36.519 --> 00:52:37.960 is wearing tear. Is that correct? 959 00:52:38.559 --> 00:52:40.800 Yes, Yes, that's what I'm trying to figure out. 960 00:52:40.800 --> 00:52:43.239 I'm trying to figure out their little to say of 961 00:52:43.400 --> 00:52:48.000 skin so well, I don't like insurance, so they reduced 962 00:52:48.000 --> 00:52:49.079 the claim by how much? 963 00:52:49.440 --> 00:52:51.199 Tell me how much is at stake here? 964 00:52:53.119 --> 00:52:56.280 Well, the whole fence, I would say is probably like 965 00:52:56.320 --> 00:52:59.039 a six thousand dollars job. 966 00:52:59.000 --> 00:53:01.800 To and they're saying they're not going to pay six grand. 967 00:53:02.119 --> 00:53:05.320 They're saying they're not nothing. How much you're not going 968 00:53:05.360 --> 00:53:07.920 to cover They're not covering any part of it. 969 00:53:09.079 --> 00:53:11.559 No, well that's what they that's what she just told me. 970 00:53:11.880 --> 00:53:15.719 But they actually preapproved that they were going to take 971 00:53:15.719 --> 00:53:18.000 some posts. But now they're backtracking saying they're not going 972 00:53:18.079 --> 00:53:19.159 to cover any Now I'm. 973 00:53:19.039 --> 00:53:22.679 Going to tell you what to do. All right, you're 974 00:53:22.760 --> 00:53:25.880 going to say this. If you don't say this, because 975 00:53:25.920 --> 00:53:27.960 this is what I would say, I don't think you'll win, 976 00:53:28.719 --> 00:53:30.800 but this is what you do first, then call us back. 977 00:53:31.719 --> 00:53:35.840 You're going to say is this a recorded line? If 978 00:53:35.840 --> 00:53:39.639 they say no, say well I hope it is. If 979 00:53:39.639 --> 00:53:43.840 it's not a recorded line, please take notes. I have 980 00:53:43.920 --> 00:53:48.679 a policy with you and I have an expert, two experts, 981 00:53:48.760 --> 00:53:53.000 or however many tell me my fence has been destroyed 982 00:53:53.360 --> 00:53:57.320 by the hail. You guys did not have an expert 983 00:53:57.360 --> 00:54:02.519 come out, but evaluated that claim by photos, and you 984 00:54:02.599 --> 00:54:07.559 claim it's normal wear and tear in Colorado. If I 985 00:54:07.679 --> 00:54:11.760 take you to court for bad faith for not paying 986 00:54:11.840 --> 00:54:16.760 a legitimate estimate and claim, I will get treble damages. 987 00:54:17.920 --> 00:54:21.239 I am putting you on notice that if you do 988 00:54:21.360 --> 00:54:23.400 not have someone come out here and meet with my 989 00:54:23.480 --> 00:54:28.480 fence contractor and give me a good reason, I will 990 00:54:28.519 --> 00:54:30.239 be suing for treble damages. 991 00:54:32.679 --> 00:54:35.880 You got it treble, trouble or trouble. 992 00:54:35.960 --> 00:54:39.119 It's triple really, but they call it treble in the law. 993 00:54:39.519 --> 00:54:41.519 This she'll know what you mean. He'll know what you mean. 994 00:54:41.920 --> 00:54:46.159 Please do that. You remember you're a policy holder. You 995 00:54:46.280 --> 00:54:51.480 had experts, You had experts on site determine this. They 996 00:54:51.639 --> 00:54:54.599 determine by photos alone. You do not need it and 997 00:54:54.639 --> 00:54:58.199 as normal wear in tear in Colorado, you're entitled to 998 00:54:58.239 --> 00:55:00.559 sue for bad faith if they ref use to pay 999 00:55:00.559 --> 00:55:03.639 a legitimate claim and estimate, and you are putting them 1000 00:55:03.639 --> 00:55:06.320 on notice that if they don't have someone there to 1001 00:55:06.400 --> 00:55:09.400 meet with your people and to determine it for real, 1002 00:55:09.880 --> 00:55:13.079 you believe the decision is arbitrary and you're going to 1003 00:55:13.119 --> 00:55:16.119 sue for trouble, damages for bad faith. Just say that, 1004 00:55:16.199 --> 00:55:18.360 please and call me back because they're going to say, okay, 1005 00:55:18.400 --> 00:55:20.000 we're going to pay Okay. 1006 00:55:20.239 --> 00:55:21.679 Now, one last thing I do. 1007 00:55:21.920 --> 00:55:25.639 I do know this from what I've understood, is she 1008 00:55:25.760 --> 00:55:27.960 did explain to me the meaning the manager of liberty 1009 00:55:28.679 --> 00:55:33.119 that it also depends where the fence lines up on 1010 00:55:33.679 --> 00:55:37.199 the actual property itself, whether they're going to pay. 1011 00:55:37.079 --> 00:55:38.039 Half or not. 1012 00:55:38.280 --> 00:55:41.480 Okay, now that's true, and that let me tell you why. 1013 00:55:42.239 --> 00:55:46.199 Because if it's your fence, they pay for it all. 1014 00:55:46.480 --> 00:55:48.639 If it's your neighbor's fence, they pay for none of it. 1015 00:55:48.960 --> 00:55:51.760 If it's a split fence where people pay half in half, 1016 00:55:51.800 --> 00:55:56.280 they're going to pay your half. That's you got to 1017 00:55:56.280 --> 00:55:57.119 figure that one out. 1018 00:55:58.320 --> 00:56:00.719 Yeah, yeah, I kind of figured so was one of 1019 00:56:00.719 --> 00:56:03.159 the things I was going to do. I just wouldn't 1020 00:56:03.159 --> 00:56:04.559 want to invest. 1021 00:56:04.639 --> 00:56:07.280 But listen, your eight jo A would would dictate that 1022 00:56:07.440 --> 00:56:09.840 with a joint fence agreement or if it's right on 1023 00:56:09.920 --> 00:56:12.800 the line, you usually split it. But if it's if 1024 00:56:12.800 --> 00:56:15.360 it's set back into your property, it's yours. If it's 1025 00:56:15.360 --> 00:56:18.480 set back onto theirs, it's theirs, call us back when 1026 00:56:18.480 --> 00:56:22.000 you find out, and wait till you call them too. 1027 00:56:22.039 --> 00:56:24.400 Three oh three seven one three eight two five five 1028 00:56:24.440 --> 00:56:26.719 Mike Scott questions on a no call list? Mike, what 1029 00:56:26.800 --> 00:56:27.440 is your question? 1030 00:56:28.440 --> 00:56:31.679 Hey, Tom, thanks for taking my call. I remember you 1031 00:56:31.760 --> 00:56:35.559 had a caller maybe in last year, talked about using 1032 00:56:35.639 --> 00:56:42.440 the statutes to sue these UH selectors call you right, 1033 00:56:42.000 --> 00:56:45.880 what was the procedure for that? And then two now 1034 00:56:45.920 --> 00:56:49.679 they have these third parties calling. How do you approach 1035 00:56:49.960 --> 00:56:53.159 getting at the instigator of the call rather than the 1036 00:56:53.320 --> 00:56:53.920 third party. 1037 00:56:53.960 --> 00:56:55.840 You don't have to the third party is the one. 1038 00:56:55.760 --> 00:57:01.239 Violating, Okay, but they're or something. 1039 00:57:01.440 --> 00:57:04.199 Well that's true, that and that's true. So then you 1040 00:57:04.199 --> 00:57:06.960 would go to the company. Here's what this person did 1041 00:57:07.000 --> 00:57:10.760 that called us. They gather enough information, even if they 1042 00:57:10.760 --> 00:57:14.079 have to become a lead, to find out who's calling them, 1043 00:57:14.599 --> 00:57:16.280 and then they prove they're on the no call list. 1044 00:57:16.280 --> 00:57:18.679 They put in a complaint with a state, and then 1045 00:57:18.719 --> 00:57:22.039 I believe there's monetary damages awarded. So you sue them 1046 00:57:22.039 --> 00:57:25.719 in small claims court for the violation. It's that simple, 1047 00:57:26.440 --> 00:57:29.519 but you have to get enough information. You can't. I mean, obviously, 1048 00:57:29.559 --> 00:57:32.039 if they don't give it, if they're COI. If they're so, 1049 00:57:32.079 --> 00:57:33.719 you don't tell them up front, you're suing. You get 1050 00:57:33.760 --> 00:57:36.840 them enough information, pretend you're a lead, and then get 1051 00:57:36.880 --> 00:57:46.800 the information. Go with a sure thing Denver's Best roofer 1052 00:57:46.960 --> 00:57:49.880 Excel Roofing dot com. You don't pay a cent until 1053 00:57:49.880 --> 00:57:56.360 you're content. Time for an insurance check up free, no obligation. 1054 00:57:56.360 --> 00:57:59.920 In comparison, call Compass Insurance paying too much your cover 1055 00:58:00.239 --> 00:58:02.880 at dozens of insurance companies find out now three all 1056 00:58:02.920 --> 00:58:05.400 three seven seven to one help. You'll think you're his 1057 00:58:05.559 --> 00:58:08.199 only customer when you choose Frank durand the real estate 1058 00:58:08.239 --> 00:58:11.480 Man dot com to list your home with Remax Alliance 1059 00:58:11.719 --> 00:58:20.159 three all three nine two zero sixteen twenty two. Hi 1060 00:58:20.280 --> 00:58:22.760 Tom Martino here three all three seven one three talk 1061 00:58:22.800 --> 00:58:25.519 seven one three eight two five five Suzanne, what's going 1062 00:58:25.559 --> 00:58:31.000 on with the nursing home? Suzanne? What's happening? Suzanne? What's 1063 00:58:31.039 --> 00:58:31.400 going on? 1064 00:58:32.480 --> 00:58:37.639 Hi? Yes, Hi, thank you for taking my call. 1065 00:58:37.760 --> 00:58:38.760 How can we help you? 1066 00:58:39.119 --> 00:58:45.199 Well, okay, here's my problem, Well, not my problem. Well 1067 00:58:45.239 --> 00:58:47.960 it's been delt on me. If you will, what is it? 1068 00:58:48.320 --> 00:58:54.480 But okay? Twenty fourteen, I was crossing the street at 1069 00:58:54.480 --> 00:58:58.159 the crosswalk with my boyfriend at the time, and we 1070 00:58:58.280 --> 00:59:02.320 got hit by a drunk I was speeding with no insurance. 1071 00:59:02.440 --> 00:59:05.880 That's what the hospital told me when I woke up 1072 00:59:05.880 --> 00:59:09.559 from my medical induced coma. My god, I've been at 1073 00:59:09.679 --> 00:59:12.079 different nursing homes through the years. 1074 00:59:12.360 --> 00:59:15.079 Oh no, you did you ever let me let me 1075 00:59:15.079 --> 00:59:18.039 ask you something, Syne back in twenty fourteen when this 1076 00:59:18.119 --> 00:59:21.239 happened to you and afterwards, did you ever sue or 1077 00:59:21.239 --> 00:59:24.039 get money from this other driver's insurance or from him 1078 00:59:24.159 --> 00:59:26.000 or from anyone. 1079 00:59:26.320 --> 00:59:31.039 I did hire an attorney and he told me I 1080 00:59:31.079 --> 00:59:34.920 got X amount of dollars, which with a lot of money. 1081 00:59:35.719 --> 00:59:38.880 And I went to his office and I didn't even 1082 00:59:39.000 --> 00:59:42.559 have a checking account at that time, so I only 1083 00:59:42.719 --> 00:59:46.079 took one thousand dollars in one I called him back 1084 00:59:46.159 --> 00:59:49.840 to make another withdraw once I got a checking account. 1085 00:59:50.559 --> 00:59:51.800 He said, you took it all. 1086 00:59:52.159 --> 00:59:57.559 Wait a minute, and Suzanne, this is serious. This was 1087 00:59:57.599 --> 01:00:00.840 back in twenty fourteen or two thousand fifteen when you 1088 01:00:00.880 --> 01:00:01.519 actually got the. 1089 01:00:01.519 --> 01:00:03.559 Settlement fourteen when I got here. 1090 01:00:04.039 --> 01:00:06.679 But when did you get the settlement in twenty fourteen 1091 01:00:06.760 --> 01:00:07.840 or fifteen or sixteen? 1092 01:00:07.840 --> 01:00:11.559 When I don't know, probably at least a year or 1093 01:00:11.559 --> 01:00:12.159 two later. 1094 01:00:12.440 --> 01:00:15.559 Okay. The problem is we have a statute of limitations, 1095 01:00:15.599 --> 01:00:18.800 meaning it might be difficult to go back after the attorney. 1096 01:00:19.000 --> 01:00:20.800 Who was the attorney back then. 1097 01:00:22.800 --> 01:00:23.639 Todd bovoo? 1098 01:00:24.719 --> 01:00:26.320 Is he still around? 1099 01:00:27.400 --> 01:00:30.679 I believe so, but I don't even have access to. 1100 01:00:30.519 --> 01:00:32.239 It, because you should ask for your. 1101 01:00:32.159 --> 01:00:35.800 Complete phone nowadays. 1102 01:00:34.920 --> 01:00:38.239 You should ask do you know what the final settlement was? 1103 01:00:38.320 --> 01:00:42.000 I mean, come on, it was like fifty some thousand. 1104 01:00:42.239 --> 01:00:44.920 And you got one thousand dollars of it. 1105 01:00:45.480 --> 01:00:51.119 Yeah, and he told me that he gave it all 1106 01:00:51.159 --> 01:00:53.719 to me, and I told him, I said, well, then 1107 01:00:54.559 --> 01:00:56.039 I don't remember what nursing? 1108 01:00:56.320 --> 01:00:57.960 What is his name? Todd? 1109 01:00:58.320 --> 01:00:58.480 What? 1110 01:00:58.599 --> 01:00:59.960 How do you spell his last fall? 1111 01:01:01.599 --> 01:01:02.840 B o v oh? 1112 01:01:02.960 --> 01:01:06.079 I believe And okay. 1113 01:01:05.760 --> 01:01:07.840 I want to get our personal injury expert on to 1114 01:01:07.920 --> 01:01:09.719 talk about this. I want to ask him a question 1115 01:01:09.760 --> 01:01:12.760 about it. Hold on, all right, I just want to 1116 01:01:12.800 --> 01:01:15.559 find out. I think we're going to have a problem 1117 01:01:15.599 --> 01:01:19.199 with the statute of limitations. Uh, can you are you 1118 01:01:19.239 --> 01:01:21.800 looking for him, Kevin? I'm not. Do you see him anywhere? 1119 01:01:21.880 --> 01:01:25.079 Personal injury attorney b o v oh, Todd? Do you 1120 01:01:25.119 --> 01:01:26.920 see him? Is he still around? 1121 01:01:27.119 --> 01:01:29.679 Bovo law, Elsie Bovo law. 1122 01:01:30.320 --> 01:01:34.760 Okay, I want to talk to John Fuller just in 1123 01:01:34.840 --> 01:01:37.960 general about p I personal injury after this many years, 1124 01:01:39.039 --> 01:01:40.760 I mean, she should get a full accounting now. It 1125 01:01:40.800 --> 01:01:43.320 is possible because it sounds like she had a close 1126 01:01:43.360 --> 01:01:46.320 head injury. I mean, she was in a coleman all that. 1127 01:01:46.400 --> 01:01:49.159 It could be she's not remembering. I mean, I'm not 1128 01:01:49.199 --> 01:01:53.039 saying I'm not accusing her of that, but it could be. Wow, 1129 01:01:54.840 --> 01:02:00.960 Deputy bow what's going on, Deputy bow? Hey? 1130 01:02:01.039 --> 01:02:04.280 I went out to Ron's apartment. 1131 01:02:04.440 --> 01:02:07.280 Yeah, okay, here, let me explain this. Let me explain this. 1132 01:02:08.079 --> 01:02:09.880 Ron called and said he has a leak from his 1133 01:02:09.960 --> 01:02:12.960 ceiling and he said it's coming from his AC unit. 1134 01:02:13.199 --> 01:02:15.480 They replaced the AC unit, but he still has it 1135 01:02:15.559 --> 01:02:17.639 coming in. Then he said the only way he was 1136 01:02:17.679 --> 01:02:20.000 able to stop the water was turning off his water heater, 1137 01:02:20.039 --> 01:02:21.719 which I had no idea what he was talking about. 1138 01:02:22.000 --> 01:02:25.320 Later on, people told me that apartment houses sometimes have 1139 01:02:25.519 --> 01:02:30.079 water cooled and water heated water based systems, and it 1140 01:02:30.079 --> 01:02:32.119 could be his water heater sharing some of that with 1141 01:02:32.239 --> 01:02:35.880 the unit in his place, the air mover, and that 1142 01:02:36.079 --> 01:02:39.159 it could be moving over a water coil, and that 1143 01:02:39.199 --> 01:02:42.559 could be happening, but we had no idea and all 1144 01:02:42.599 --> 01:02:45.239 we know is we had to put eyeballs on it. 1145 01:02:45.320 --> 01:02:48.679 You were in the business, in the HVAC business, What 1146 01:02:48.760 --> 01:02:49.480 did you find? 1147 01:02:50.920 --> 01:02:54.119 So I went out there and actually when he called, 1148 01:02:54.199 --> 01:03:00.519 they were actually the apartment complex who was replacing the coil. 1149 01:03:00.960 --> 01:03:03.159 During the call, he was at work. So by the 1150 01:03:03.199 --> 01:03:05.519 time I got out there, like at seven o'clock at night, 1151 01:03:05.639 --> 01:03:06.639 they did the work. 1152 01:03:06.960 --> 01:03:08.639 But he has a very simple system. 1153 01:03:08.800 --> 01:03:11.559 He has a water heater, okay. And the water heater 1154 01:03:11.599 --> 01:03:15.639 does double duty. It provides the domestic water for shower 1155 01:03:16.239 --> 01:03:18.440 shink and it also heats the apartment. 1156 01:03:18.639 --> 01:03:18.960 Okay. 1157 01:03:19.079 --> 01:03:22.760 The water heat has a scoil up in the attic. 1158 01:03:23.000 --> 01:03:26.360 So it was the water from the water heater that 1159 01:03:26.599 --> 01:03:30.800 was causing the flooding, okay. So, and it was when 1160 01:03:30.840 --> 01:03:33.039 the when it developed the leak, it was like forty 1161 01:03:33.079 --> 01:03:37.119 pounds pressure. There was significant amount of water got it. 1162 01:03:37.159 --> 01:03:39.039 So but what the bottom. 1163 01:03:38.760 --> 01:03:40.159 Line is there? 1164 01:03:40.400 --> 01:03:44.239 The story is that the apartment complex is charging him 1165 01:03:44.360 --> 01:03:48.920 fifteen hundred dollars for the repair. They said it's his responsibility. 1166 01:03:49.519 --> 01:03:52.639 And I called the property manager this morning twice left 1167 01:03:52.639 --> 01:03:56.119 the message that's certainly not his responsibility. Because they said 1168 01:03:56.280 --> 01:03:59.880 he caused the leak, but it's from the water. It's 1169 01:04:00.159 --> 01:04:02.519 the hot water system, and he had if this thing's 1170 01:04:02.559 --> 01:04:05.280 up in the attic, he had he had, no, He 1171 01:04:05.320 --> 01:04:06.519 has no cause for this. 1172 01:04:07.159 --> 01:04:10.519 How could he have caused a hole in the freaking coil. 1173 01:04:11.880 --> 01:04:15.440 He's they're claiming that he was running an air conditioner 1174 01:04:15.519 --> 01:04:18.280 at the same time, which just didn't make any sense 1175 01:04:18.400 --> 01:04:18.639 to me. 1176 01:04:19.000 --> 01:04:20.800 There is an air conditioning. 1177 01:04:20.320 --> 01:04:20.960 Coil up there. 1178 01:04:20.960 --> 01:04:23.360 It runs off a free on from a condensing unit 1179 01:04:23.840 --> 01:04:26.000 that has nothing to do with this leak. It was 1180 01:04:26.000 --> 01:04:29.199 from the hot water heater that heats the apartment. 1181 01:04:29.519 --> 01:04:32.320 So I put a so even even in the summer, 1182 01:04:32.360 --> 01:04:35.400 when you're not using the heat, that water is still 1183 01:04:35.440 --> 01:04:36.880 circulating through that coil. 1184 01:04:38.920 --> 01:04:42.159 Yes, it circulates through the coil and through the domestic system. 1185 01:04:42.159 --> 01:04:50.000 There's two. 1186 01:04:47.960 --> 01:04:48.320 Got it. 1187 01:04:48.519 --> 01:04:50.760 The good thing is they did repair it and he 1188 01:04:50.800 --> 01:04:52.280 doesn't have any more leaks. 1189 01:04:52.280 --> 01:04:56.480 Good, that's good news. Well, we really have to help 1190 01:04:56.559 --> 01:04:59.440 him with this. They're charging him for a cleanup and damages. 1191 01:04:59.480 --> 01:05:00.679 That's b man. 1192 01:05:02.199 --> 01:05:04.440 I already put in two goods and I'm going to 1193 01:05:04.480 --> 01:05:06.599 explain it to him that it's, yeah, his fault. 1194 01:05:06.760 --> 01:05:16.480 Cool. I appreciate that Deputy bo. That's great news. Go 1195 01:05:16.639 --> 01:05:20.360 with a sure thing Denver's Best roofer Excel Roofing dot com. 1196 01:05:20.400 --> 01:05:26.119 You don't pay a cent until you're content. Time for 1197 01:05:26.159 --> 01:05:30.519 an insurance checkup free, no obligation comparison call Compass Insurance. 1198 01:05:30.679 --> 01:05:33.679 Paying too much your coverage at dozens of insurance companies 1199 01:05:33.760 --> 01:05:35.800 find out now three oh three seven to seven to 1200 01:05:35.840 --> 01:05:38.599 one help. You'll think you're his only customer when you 1201 01:05:38.679 --> 01:05:41.159 choose Frank durand the real estate Man dot com to 1202 01:05:41.239 --> 01:05:44.440 list your home with Remax Alliance three oh three nine 1203 01:05:44.440 --> 01:05:51.719 two zero sixteen twenty two. Tom Martina Here, by the way, 1204 01:05:52.800 --> 01:05:55.199 we are talking cars at a Compass Insurance will do 1205 01:05:55.280 --> 01:05:57.960 that insurance check up. The Insurance Helpcenter dot com three 1206 01:05:58.000 --> 01:06:01.599 oh three nine nine six nine three h three nine 1207 01:06:01.679 --> 01:06:05.000 ninety six nine thousand. Get an insurance check and make 1208 01:06:05.039 --> 01:06:06.679 sure you're not paying too much too little. If you 1209 01:06:06.679 --> 01:06:09.760 have a great deal, they'll tell you they're honest people. Now, 1210 01:06:10.280 --> 01:06:12.320 Gary wants some advice on his dad's Oh no, I 1211 01:06:12.360 --> 01:06:13.960 want to go to John Fuller hold on real quick. 1212 01:06:14.000 --> 01:06:16.400 I got John Fuller before the end of the hour. Here, 1213 01:06:16.800 --> 01:06:18.599 John Fuller, Attorney a law I want to ask you 1214 01:06:18.679 --> 01:06:22.119 something if someone had she's not on the line right now. 1215 01:06:22.119 --> 01:06:25.480 But if she had a settlement back in twenty fifteen 1216 01:06:25.559 --> 01:06:29.519 or sixteen and she only got one thousand dollars, it 1217 01:06:29.679 --> 01:06:32.079 was a fifty thousand dollars settlement. She had a closed 1218 01:06:32.079 --> 01:06:35.280 head injury. Now could be she's mistaken, but she was 1219 01:06:35.320 --> 01:06:37.800 in a koma closed head injury. She says she could 1220 01:06:37.840 --> 01:06:40.519 really use the money right now, and the attorney's not 1221 01:06:40.639 --> 01:06:44.079 answering her. Can she go back that far and demand 1222 01:06:44.119 --> 01:06:45.880 an accounting or is it too late? 1223 01:06:48.119 --> 01:06:50.840 Well, I think she can demand an accounting. I think 1224 01:06:50.920 --> 01:06:54.920 most any attorney would. Would you go back into their 1225 01:06:54.960 --> 01:06:59.480 closed files and pull up the distribution sheet to show 1226 01:06:59.480 --> 01:07:03.280 her where them money went. As I understood it from 1227 01:07:03.719 --> 01:07:07.159 from Kelly that there was Medicare and Medicaid involved. And 1228 01:07:07.239 --> 01:07:10.679 so sometimes we have you know, callers that are in 1229 01:07:10.920 --> 01:07:14.840 marketing facilities and stuff like that. They're also on disability 1230 01:07:15.039 --> 01:07:17.920 and there are really strict rules about how much money 1231 01:07:18.519 --> 01:07:22.840 these people can have to their names and still qualify 1232 01:07:22.920 --> 01:07:26.159 for benefits. And so in many cases with you know, 1233 01:07:26.239 --> 01:07:29.000 with special clients out like that, the money ends up 1234 01:07:29.039 --> 01:07:33.119 being placed into special needs trusts and other vehicles that 1235 01:07:33.760 --> 01:07:36.840 protect the money and preserve it for future use. But 1236 01:07:37.760 --> 01:07:42.199 don't you know, invalidate their entitlement to those benefit programs. Oh, 1237 01:07:42.800 --> 01:07:45.239 it could be any number of those, you know, type 1238 01:07:45.280 --> 01:07:48.400 of scenarios. I just don't know enough about this car 1239 01:07:48.679 --> 01:07:49.400 and urcades. 1240 01:07:49.760 --> 01:07:51.960 But that that sheds a lot of light. You're right, 1241 01:07:52.039 --> 01:07:54.440 it could it could be. It could be. Maybe even 1242 01:07:54.920 --> 01:07:57.960 they could offset some of that, couldn't they by reimbursement 1243 01:07:58.039 --> 01:07:58.239 or not? 1244 01:07:59.559 --> 01:08:02.320 Well, you certainly they would have had to pay back 1245 01:08:02.400 --> 01:08:06.559 any outstanding subrogation that was you know, that was spent 1246 01:08:06.639 --> 01:08:09.760 on her behalf, right, like medical bills and stuff. But 1247 01:08:09.840 --> 01:08:11.880 that I mean that would happen in any settlement, but 1248 01:08:11.920 --> 01:08:15.360 there would always be some left over. But some of 1249 01:08:15.360 --> 01:08:19.279 these programs, like Medicaid for an example, if you get 1250 01:08:19.279 --> 01:08:22.560 more than two thousand dollars in a month, you can 1251 01:08:22.680 --> 01:08:25.079 lose your Medicaid benefits. 1252 01:08:25.279 --> 01:08:27.840 And so we need a client. 1253 01:08:27.600 --> 01:08:30.600 That needs those benefits. You have to protect that money 1254 01:08:30.960 --> 01:08:34.439 and place it into certain trust vehicles that will you know, 1255 01:08:34.560 --> 01:08:37.279 that will preserve the money and only allow it to 1256 01:08:37.319 --> 01:08:41.239 be used in small portions for special needs, but not 1257 01:08:41.920 --> 01:08:45.000 to land lump some in their bank account and result 1258 01:08:45.079 --> 01:08:47.960 in you know, essentially doing more harm than good by 1259 01:08:48.399 --> 01:08:51.600 by invalidating the benefits that they need so much. Very 1260 01:08:51.600 --> 01:08:53.960 complicated stuff, but we run into it all the time. 1261 01:08:54.039 --> 01:08:54.319 Tom. 1262 01:08:54.600 --> 01:08:57.119 All right, well, thank you you shed some light on that. 1263 01:08:57.600 --> 01:09:00.000 John Fuller. Always demand to go to if your looking 1264 01:09:00.399 --> 01:09:03.279 for information on your personal injury, what to do? Where 1265 01:09:03.319 --> 01:09:07.199 to go the collectibility what it's worth? Personal injuryco dot 1266 01:09:07.239 --> 01:09:10.960 com three oh three five nine seven forty five hundred. 1267 01:09:11.000 --> 01:09:13.800 Now Gary's turn again. Okay, Gary, sorry, but what is 1268 01:09:13.840 --> 01:09:14.760 your question? Gary? 1269 01:09:16.439 --> 01:09:19.479 Hey, my father died May first. 1270 01:09:20.000 --> 01:09:22.000 I'm sorry to hear that. What's going on? 1271 01:09:23.119 --> 01:09:28.159 And he left my niece as the personal representaity okay, 1272 01:09:29.159 --> 01:09:34.920 And I don't know how much the estates were, and 1273 01:09:35.399 --> 01:09:37.720 I don't know. I understand that if it's not worth 1274 01:09:37.720 --> 01:09:40.359 eighty thousand dollars, they don't have to go through pray. 1275 01:09:40.600 --> 01:09:43.640 Well, it depends if there's real estate or anything that 1276 01:09:43.720 --> 01:09:47.399 has to be it's it's if there's no real estate. 1277 01:09:47.680 --> 01:09:48.680 Was there any real estate? 1278 01:09:49.399 --> 01:09:54.399 Well, he needed the house to my nephew. 1279 01:09:54.399 --> 01:09:59.920 Before he died on dead Yeah, on death you mean 1280 01:10:00.079 --> 01:10:01.399 with a beneficiary deed? 1281 01:10:02.359 --> 01:10:05.800 Yeah, before he before he died, he neated it through 1282 01:10:05.960 --> 01:10:06.680 my nephew. 1283 01:10:07.159 --> 01:10:08.279 Yeah, Oh my god. 1284 01:10:09.000 --> 01:10:10.359 Fun death if needed. 1285 01:10:11.199 --> 01:10:13.119 Okay, hold on and we'll come right back to you 1286 01:10:13.159 --> 01:10:15.720 and try to answer this. I'm Tom Martine. We have 1287 01:10:15.800 --> 01:10:22.000 more coming up. Go with a sure thing Denver's Best 1288 01:10:22.079 --> 01:10:24.920 roofer Excel Roofing dot com. You don't pay a cent 1289 01:10:25.159 --> 01:10:31.199 until you're content. Please time for an insurance check up free, 1290 01:10:31.279 --> 01:10:35.000 no obligation. In comparison, call Compass Insurance paying too much 1291 01:10:35.159 --> 01:10:38.079 your coverage at dozens of insurance companies find out now 1292 01:10:38.159 --> 01:10:40.439 three o three seven to seven to one help. You'll 1293 01:10:40.439 --> 01:10:43.199 think you're his only customer when you choose Frank durand 1294 01:10:43.199 --> 01:10:45.680 the real estate Man dot com to list your home 1295 01:10:45.880 --> 01:10:49.039 with Remax Alliance three oh three nine two zero sixteen 1296 01:10:49.079 --> 01:10:56.079 twenty two. 1297 01:11:00.079 --> 01:11:00.960 So you don't have. 1298 01:11:03.079 --> 01:11:05.520 Come running just as fast as can. 1299 01:11:06.800 --> 01:11:08.319 Shooter's gonna help. 1300 01:11:08.399 --> 01:11:12.439 Come Max is the Troubleshooter Show. 1301 01:11:13.079 --> 01:11:19.199 No Tom Martino, Hey Tom Martino here, Welcome to the show. 1302 01:11:19.239 --> 01:11:22.319 Three oh three seven one three talk three all three 1303 01:11:22.560 --> 01:11:26.319 seven one three eight two five five or three oh 1304 01:11:26.359 --> 01:11:29.880 three Martino. You can call twenty four seven three oh 1305 01:11:30.039 --> 01:11:33.000 three six two seven eight four sixty six. If you 1306 01:11:33.079 --> 01:11:36.039 leave a message, we will get back to you. Gary 1307 01:11:36.239 --> 01:11:39.920 needs some advice. Gary said that his father died in 1308 01:11:39.960 --> 01:11:46.479 May May. First, his niece is the personal representative, and he, 1309 01:11:47.199 --> 01:11:51.039 I guess, is trying to find out about the estate. So, Gary, 1310 01:11:51.479 --> 01:11:57.159 the house was deeded on death to your who nephew nephew, 1311 01:11:57.720 --> 01:11:59.319 and you knew that was gonna happen, right? 1312 01:12:00.279 --> 01:12:04.840 Uh no, No, but I'm yeah, No, I didn't know 1313 01:12:04.920 --> 01:12:05.840 that was going to happen. 1314 01:12:06.560 --> 01:12:08.239 Was there a reason you were left out? 1315 01:12:09.640 --> 01:12:13.159 Uh? You know I got three brothers, Well, I got 1316 01:12:13.359 --> 01:12:17.760 uh two brothers that are alive, and uh, my brothers 1317 01:12:17.840 --> 01:12:22.439 other kids are his representatives. So there was four beneficiaries 1318 01:12:23.760 --> 01:12:26.199 and uh no, none of us knew that was going 1319 01:12:26.279 --> 01:12:29.239 to go down like that, and we don't know why. 1320 01:12:29.560 --> 01:12:31.760 Uh, so tell me what is your question? I mean, 1321 01:12:32.119 --> 01:12:33.399 what is your question today? 1322 01:12:34.079 --> 01:12:37.159 I want to know my legal rights because I don't 1323 01:12:37.199 --> 01:12:42.600 think things are going uh according to law as far 1324 01:12:42.680 --> 01:12:48.399 as uh, she's the personal representative and according to the will, uh, 1325 01:12:48.920 --> 01:12:52.319 the house was deeded to her brother, which is my nephew. 1326 01:12:52.920 --> 01:13:00.520 And then uh uh the the remaining uh content of 1327 01:13:00.560 --> 01:13:06.640 the house and is good, We're supposed to be split 1328 01:13:06.880 --> 01:13:13.039 among the four beneficiaries, which is me and my three brothers. 1329 01:13:13.199 --> 01:13:18.479 What I don't understand is Okay, you and your brothers, 1330 01:13:18.520 --> 01:13:24.680 who are his actual sons, got hardly anything, and the 1331 01:13:24.760 --> 01:13:28.159 nephew got the house. What did the personal representative get. 1332 01:13:29.479 --> 01:13:35.319 Well, I think she was on the bank account. And 1333 01:13:35.439 --> 01:13:39.159 how much did she get Well, we don't know. We 1334 01:13:39.199 --> 01:13:41.640 can't get an accounting of anything as far as the 1335 01:13:41.760 --> 01:13:44.359 estate goes. And I want to know how to proceed 1336 01:13:44.399 --> 01:13:44.880 to get. 1337 01:13:44.840 --> 01:13:47.800 Okay, good idea. I'll tell you what I'm going to 1338 01:13:47.840 --> 01:13:52.600 ask our state attorney Kaschina. Let's ask Dan McKenzie or 1339 01:13:52.680 --> 01:13:59.279 one of the other fellows at Kieling Park. Okay, so 1340 01:13:59.319 --> 01:14:01.600 we'll ask somebody. You hold on, we'll get you some 1341 01:14:01.680 --> 01:14:07.800 advice on how to proceed. Three oh three seven, one, 1342 01:14:07.920 --> 01:14:15.119 three eight, two five five. What's going on, Raina? With 1343 01:14:15.119 --> 01:14:20.279 with the sorry with the uh Mercedes dealer? What's going on? 1344 01:14:22.319 --> 01:14:24.760 Hey, Tom, it's Raina. Thanks so much for having me. 1345 01:14:25.079 --> 01:14:25.760 What's going on? 1346 01:14:25.920 --> 01:14:26.000 So? 1347 01:14:28.039 --> 01:14:31.039 I have this client who is dying. He's on his 1348 01:14:31.079 --> 01:14:35.279 deathbed and he wanted to buy a Mercedes. He's a teacher, 1349 01:14:35.680 --> 01:14:40.319 former military, want to buy a Mercedes. Go across the 1350 01:14:40.359 --> 01:14:45.239 country and go look at the ocean one last time. Oh, Frank, Mercedes. 1351 01:14:45.399 --> 01:14:48.079 I know that this is after. 1352 01:14:49.680 --> 01:14:52.359 It is and this is after his wife's passed. 1353 01:14:52.319 --> 01:14:54.359 And he's telling me he has almost no money at 1354 01:14:54.399 --> 01:14:58.000 this point, right, he's on fixed income, and they spent 1355 01:14:58.479 --> 01:15:02.479 all of their savings on cancer care. And what's really 1356 01:15:02.479 --> 01:15:05.680 sad about it is he she died shortly after. 1357 01:15:05.960 --> 01:15:06.880 The cancer care. 1358 01:15:07.279 --> 01:15:09.720 They basically took their entire life savings, and he said 1359 01:15:09.760 --> 01:15:12.000 it was worth every penny of it, even if she 1360 01:15:12.079 --> 01:15:13.880 only lived for a little bit after that. So he 1361 01:15:14.000 --> 01:15:16.560 is just salt of the earth kind of guy. He 1362 01:15:16.600 --> 01:15:19.119 goes to Mercedes Benz and he tells them he wants 1363 01:15:19.119 --> 01:15:22.319 to buy a Mercedes. I say great. He says, I 1364 01:15:22.359 --> 01:15:26.479 have this Toyota Avalon that I'm fully paid on. They say, great, 1365 01:15:26.840 --> 01:15:29.399 we're going to give you twenty thousand dollars for it. 1366 01:15:30.239 --> 01:15:32.960 You come in with five thousand dollars down payment and 1367 01:15:33.039 --> 01:15:35.680 will put you in a forty eight thousand dollars Mercedes. 1368 01:15:36.000 --> 01:15:39.399 And therefore your you know, your monthly payments aren't really 1369 01:15:39.399 --> 01:15:42.199 going to be that high, right because you're only really 1370 01:15:42.520 --> 01:15:45.439 putting a lean about twenty thousand. And he says, great, 1371 01:15:45.520 --> 01:15:48.279 that worked out. I can pay three hundred or seven months. 1372 01:15:48.640 --> 01:15:49.960 So he buys the rest. 1373 01:15:50.039 --> 01:15:52.319 Well, what is the prognosis on when he was going 1374 01:15:52.399 --> 01:15:53.079 to die. 1375 01:15:55.159 --> 01:15:55.720 He tells me. 1376 01:15:55.760 --> 01:15:58.279 He's dead man walking. This is the post that happened, 1377 01:15:58.279 --> 01:16:00.439 and he has he's so proud of himself. 1378 01:16:00.439 --> 01:16:03.880 He's like, you know, how long ago? How long ago 1379 01:16:04.439 --> 01:16:05.239 did he do this? 1380 01:16:06.000 --> 01:16:06.199 Yeah? 1381 01:16:07.760 --> 01:16:11.560 I would say that he's been living the sale vehicle? 1382 01:16:11.960 --> 01:16:13.560 Yeah, when did he buy it? 1383 01:16:17.439 --> 01:16:19.199 Gave me just a second and I can get that 1384 01:16:19.319 --> 01:16:19.600 for you. 1385 01:16:20.000 --> 01:16:21.600 I mean, this is just a. 1386 01:16:21.520 --> 01:16:22.640 Couple of months ago. 1387 01:16:22.680 --> 01:16:24.520 Okay, that's all I need to know. It was this year? 1388 01:16:26.640 --> 01:16:29.800 Is this when is he supposed when? I mean when 1389 01:16:29.920 --> 01:16:32.680 is he supposed to die? Seriously, I mean, is is 1390 01:16:32.720 --> 01:16:34.239 he going to die? Or is this just a guy 1391 01:16:34.279 --> 01:16:35.399 who's saying he's dying? 1392 01:16:37.119 --> 01:16:40.720 No, No, this is this is for real. So he's 1393 01:16:40.760 --> 01:16:42.479 been kind of on his depit for a while, but 1394 01:16:42.520 --> 01:16:45.000 he's still kroud of himself. He's like, I'm I'm beating 1395 01:16:45.039 --> 01:16:47.520 all of their marks. I'm beating all their marks recently. 1396 01:16:47.920 --> 01:16:53.520 And so he traded in a car and. 1397 01:16:52.640 --> 01:16:57.199 What happened car? Okay, So what happens is what he 1398 01:16:57.239 --> 01:17:01.319 doesn't realize is they put thirteenth thous dollars worth of 1399 01:17:01.359 --> 01:17:05.800 extended warranties and maintenance contract on this car. Now, mind you, 1400 01:17:06.199 --> 01:17:07.439 he doesn't need any No. 1401 01:17:07.560 --> 01:17:09.880 I get it. I get exactly what you're saying. We 1402 01:17:09.920 --> 01:17:12.960 can have all that stuff removed. Probably, I mean, if 1403 01:17:13.000 --> 01:17:16.039 it was just a few months ago, I did. So 1404 01:17:16.399 --> 01:17:19.600 they packed again. They packed the deal with a bunch 1405 01:17:19.640 --> 01:17:20.279 of crap. 1406 01:17:20.520 --> 01:17:21.279 They packed the deal. 1407 01:17:21.840 --> 01:17:23.920 What's the name of the dealer. What's the name of 1408 01:17:23.960 --> 01:17:24.479 the dealer. 1409 01:17:26.399 --> 01:17:31.199 Yeah, it's Mercedes Benz of Colorado Springs. So that's the 1410 01:17:31.279 --> 01:17:33.600 trade name. And it Phill Long is who owns it. 1411 01:17:33.640 --> 01:17:37.359 Bill Long Auto House is the owner. But so let me. 1412 01:17:37.760 --> 01:17:38.479 So he does that. 1413 01:17:38.840 --> 01:17:42.119 He realizes, okay, this happened in February. He realizes that 1414 01:17:42.399 --> 01:17:43.960 he's paying way too much every month. 1415 01:17:44.000 --> 01:17:45.039 So he goes back and. 1416 01:17:45.000 --> 01:17:47.520 He's like, I want to return this car. I can't 1417 01:17:47.560 --> 01:17:49.560 afford this. I'm on a fixed income. And they say 1418 01:17:49.600 --> 01:17:52.000 you can't return it, which is okay, all right, there's 1419 01:17:52.039 --> 01:17:54.840 no return policy. He's like, fine, let me just buy 1420 01:17:54.960 --> 01:17:57.680 my car back, and they say, okay. Now instead of 1421 01:17:58.720 --> 01:17:59.159 just he. 1422 01:17:59.239 --> 01:18:02.199 Just screwed him of Oh my god, I wish you 1423 01:18:02.239 --> 01:18:04.800 would have called us then. So wait a minute. So 1424 01:18:04.840 --> 01:18:07.439 then he decided to buy his car back. 1425 01:18:09.239 --> 01:18:11.119 He says, I'm gonna buy the car back. But instead 1426 01:18:11.119 --> 01:18:14.159 of doing what you just did, which is telling him, hey, 1427 01:18:14.520 --> 01:18:17.640 you can get money back if you cancel your service contract, 1428 01:18:17.840 --> 01:18:19.920 they don't do that. So they could talk get the money. 1429 01:18:19.960 --> 01:18:20.640 So what did he do? 1430 01:18:21.520 --> 01:18:26.920 They let him trade it in. Yeah, clire thinking. 1431 01:18:27.720 --> 01:18:29.279 He traded it in, and then what. 1432 01:18:31.319 --> 01:18:33.640 Okay, so he traded in the vehicle. They sell him 1433 01:18:33.840 --> 01:18:36.920 his own vehicle back for four thousand dollars. More so 1434 01:18:36.920 --> 01:18:39.479 he set the table with four thousand dollars. 1435 01:18:40.800 --> 01:18:44.319 All right, wait a minute, he he had he had 1436 01:18:44.359 --> 01:18:50.560 traded in a car that was paid off. What was 1437 01:18:50.600 --> 01:18:51.680 that car worth. 1438 01:18:53.920 --> 01:18:56.119 As a toda to Avalon They say it was worth 1439 01:18:56.119 --> 01:18:58.720 twenty thousand, which I would agree probably a round twenty. 1440 01:18:58.960 --> 01:19:03.479 So then how does he end up owing another four 1441 01:19:03.640 --> 01:19:07.000 grand after trading in the Mercedes? 1442 01:19:09.439 --> 01:19:12.520 So the Mercedes gets traded in for thirty nine thousand, 1443 01:19:12.520 --> 01:19:13.960 which is exactly his loan. 1444 01:19:13.760 --> 01:19:14.159 In the mouth. 1445 01:19:14.399 --> 01:19:16.520 Okay, so the lean gets wiped out? 1446 01:19:16.720 --> 01:19:20.239 Yeah fine, hold on, but the twenty grand. Okay, the 1447 01:19:20.279 --> 01:19:21.840 loan got wiped out. And then what. 1448 01:19:24.520 --> 01:19:28.640 Well, so really the issue is because he paid thirteen 1449 01:19:28.720 --> 01:19:33.439 thousand dollars in those service contracts, he basically traded in 1450 01:19:33.680 --> 01:19:37.640 Historia Avalanch just for those service contracts, right, right. 1451 01:19:37.520 --> 01:19:40.479 But when he bought it back though, right? Now does 1452 01:19:40.520 --> 01:19:41.760 he have his old car back? 1453 01:19:43.640 --> 01:19:44.680 He has his old car back. 1454 01:19:44.720 --> 01:19:48.119 Here's a wall. I need to know net net. What 1455 01:19:48.319 --> 01:19:51.840 is the out of pocket? Now listen carefully. I don't 1456 01:19:51.880 --> 01:19:54.439 care how they finagled it. What I want to know 1457 01:19:54.600 --> 01:19:57.199 is the day before he went in to buy this 1458 01:19:57.319 --> 01:20:01.039 Mercedes and the day after he got his car back, 1459 01:20:01.479 --> 01:20:06.239 what is his net out of pocket that was not recovered. 1460 01:20:06.600 --> 01:20:09.319 I'm not talking about money that was put in the deal. 1461 01:20:09.600 --> 01:20:14.000 I'm not talking about anything. I'm talking about hard net 1462 01:20:14.159 --> 01:20:18.479 money out of his pocket. How much. 1463 01:20:20.600 --> 01:20:24.479 He paid in total, nine seven hundred and fifty dollars 1464 01:20:24.560 --> 01:20:29.479 in cash, and he has a lean on the Avalon 1465 01:20:30.000 --> 01:20:33.000 for the full purchase price of the avalon his Lian 1466 01:20:33.079 --> 01:20:36.359 is thirty two thousand, six hundred and fifty three dollars. 1467 01:20:37.079 --> 01:20:38.000 He never paid it all. 1468 01:20:38.479 --> 01:20:42.800 Wait a minute, Wait a minute, the Avalon how much 1469 01:20:42.840 --> 01:20:43.840 would they sell it to him? 1470 01:20:43.840 --> 01:20:47.520 For twenty four thousand dollars? 1471 01:20:47.760 --> 01:20:51.239 So he went in there and came out with his 1472 01:20:51.279 --> 01:20:55.199 old car and a twenty seven thousand dollars. 1473 01:20:54.840 --> 01:21:02.199 Loan, Yes, sir, And they sold him another service contract 1474 01:21:02.279 --> 01:21:05.479 on the car that he already owned. They sold him 1475 01:21:05.479 --> 01:21:06.640 a five thousand dollars. 1476 01:21:06.840 --> 01:21:11.359 Okay, but to some degree, Reina, Listen, these are scumbags, 1477 01:21:11.920 --> 01:21:17.399 but to some degree, But to some degree, this guy 1478 01:21:17.479 --> 01:21:23.000 is responsible for his own stupidity. Does he have a 1479 01:21:23.039 --> 01:21:26.079 brain tumor or anything? Is Is his disability or death 1480 01:21:26.159 --> 01:21:30.239 having to do with brain? No? 1481 01:21:30.800 --> 01:21:33.520 But he What he tells me is that he had 1482 01:21:33.560 --> 01:21:36.439 gotten out of the hospital. He was in active chemotherapy. 1483 01:21:36.840 --> 01:21:40.920 He was exhausted, RAINA and waiting, RAINA, listening, RAINA. 1484 01:21:41.079 --> 01:21:42.359 That's what's this. 1485 01:21:42.359 --> 01:21:44.960 This is a screw job. Beyond screw jobs. Does he 1486 01:21:45.000 --> 01:21:47.039 have a line of all the paperwork? 1487 01:21:49.439 --> 01:21:51.000 I have all the paperwork. 1488 01:21:50.600 --> 01:21:51.800 From the very beginning. 1489 01:21:54.319 --> 01:21:55.199 The only things I. 1490 01:21:55.159 --> 01:21:58.319 Don't have are the signed service contracts. 1491 01:21:58.840 --> 01:22:01.720 I don't care about that. You have the very first 1492 01:22:01.720 --> 01:22:05.239 time he bought the Mercedes, and then the deal he 1493 01:22:05.279 --> 01:22:09.840 made trading it back in. Yes, sir, did he deal 1494 01:22:09.920 --> 01:22:12.800 with the same sales person each time? 1495 01:22:19.000 --> 01:22:20.880 That I think he? 1496 01:22:21.199 --> 01:22:21.520 Still? 1497 01:22:22.039 --> 01:22:25.479 I don't know, Reina. I need you to send me 1498 01:22:25.520 --> 01:22:28.279 that stuff. I need to look at the contracts. Okay 1499 01:22:28.880 --> 01:22:32.840 and okay, how long ago did he trade it back 1500 01:22:33.520 --> 01:22:36.439 and get his old car? 1501 01:22:38.960 --> 01:22:39.800 Let me find that. 1502 01:22:40.479 --> 01:22:42.319 I believe that that was. 1503 01:22:44.640 --> 01:22:47.520 On March. 1504 01:22:49.720 --> 01:22:50.880 Twenty fifth, so. 1505 01:22:51.000 --> 01:22:55.520 One month after when you said that he is a client. 1506 01:22:56.239 --> 01:22:57.000 What do you do. 1507 01:22:59.239 --> 01:23:02.159 I'm a lemon An Auto broad attorney in. 1508 01:23:02.199 --> 01:23:08.600 Denver, so you are an attorney, Raina, I'm an attorney. Yeah, 1509 01:23:08.640 --> 01:23:12.680 thank you for calling us. Let's work together and destroy this. 1510 01:23:12.680 --> 01:23:16.640 This is the disgusting so I love it. 1511 01:23:16.640 --> 01:23:17.520 Tom, thank you. 1512 01:23:17.359 --> 01:23:20.199 Give me no, this is discussing. Give me that information 1513 01:23:20.319 --> 01:23:23.319 off the air. Hey, Kachina, give her my private email 1514 01:23:23.359 --> 01:23:27.279 please and have her send those contracts and that'll put 1515 01:23:27.359 --> 01:23:30.359 us in direct communication. Thank you Raina for caring. We 1516 01:23:30.439 --> 01:23:38.279 have more coming up. Go with a sure thing Denver's 1517 01:23:38.319 --> 01:23:41.199 best rufer excel roofing dot com. You don't pay a 1518 01:23:41.279 --> 01:23:47.760 cent until you're content. Time for an insurance checkup free, 1519 01:23:47.840 --> 01:23:51.920 no obligation comparison call Compass Insurance paying too much your 1520 01:23:51.920 --> 01:23:54.920 coverage at dozens of insurance companies find out now three 1521 01:23:54.920 --> 01:23:57.560 O three seven seven one help. You'll think you're his 1522 01:23:57.720 --> 01:24:00.359 only customer when you choose Frank durand the Real state 1523 01:24:00.399 --> 01:24:03.640 Man dot com to list your home with Remax Alliance 1524 01:24:03.880 --> 01:24:10.640 three oh three nine two zero sixteen twenty two. Hi 1525 01:24:10.800 --> 01:24:12.319 Tom Martino, your troubleshooter. 1526 01:24:12.359 --> 01:24:12.640 Okay. 1527 01:24:12.680 --> 01:24:17.840 Earlier, a woman called. She obviously did not have her 1528 01:24:17.880 --> 01:24:21.920 complete wits about her. She was in an accident and 1529 01:24:21.960 --> 01:24:26.159 she had a closed head injury, was in a coma. 1530 01:24:26.560 --> 01:24:31.319 She remembers being injured, going to an attorney, getting a settlement. 1531 01:24:32.199 --> 01:24:37.640 She said she got a settlement of fifty grand. She 1532 01:24:37.720 --> 01:24:41.840 remembers pulling out one thousand dollars and no other accounting. 1533 01:24:42.680 --> 01:24:47.239 She said she used attorney Todd Bovo. We asked our 1534 01:24:47.359 --> 01:24:51.079 personal injury attorney, one of our experts, John Fuller, how 1535 01:24:51.079 --> 01:24:53.159 could this happen? He said, Oh, Tom, there are all 1536 01:24:53.239 --> 01:24:56.319 kinds of things that could happen. First with her injury. 1537 01:24:56.399 --> 01:24:59.359 It could be she's not remembering everything, or number two 1538 01:24:59.800 --> 01:25:05.199 it it could be that there was reimbursement to Medicare 1539 01:25:05.359 --> 01:25:10.800 or medicaid. It could be all kinds of things. And 1540 01:25:10.880 --> 01:25:14.239 luckily a friend of Todd's was listening and Todd called us, 1541 01:25:14.239 --> 01:25:18.000 so we can hear from him and just find out 1542 01:25:18.439 --> 01:25:22.640 what's going on. And again we're not using any last names, 1543 01:25:22.680 --> 01:25:25.920 We're not using any specifics here or just getting general information. 1544 01:25:26.079 --> 01:25:28.800 So Todd, thank you for calling. 1545 01:25:31.039 --> 01:25:34.000 Sure Tom, I'm a big fan, love the show. 1546 01:25:34.159 --> 01:25:38.640 Thank you So when you recalled this settlement from years ago. 1547 01:25:40.199 --> 01:25:43.319 When I received a text from this friend, I saw 1548 01:25:43.359 --> 01:25:46.840 it to myself, I know exactly who this is, and 1549 01:25:48.039 --> 01:25:51.439 I called in your show, and I was right. It 1550 01:25:51.600 --> 01:25:56.960 is one of the saddest situations that I've ever encountered. 1551 01:25:57.199 --> 01:26:01.960 She was initially represented by Frank Gazar. And what I 1552 01:26:02.039 --> 01:26:05.199 want your listeners to know is that coming up is 1553 01:26:05.319 --> 01:26:09.279 the most dangerous day of the year for pedestrians, and 1554 01:26:09.319 --> 01:26:10.439 it was for this client. 1555 01:26:10.520 --> 01:26:11.279 It's Halloween. 1556 01:26:11.880 --> 01:26:17.960 Oh, and she was out and walking and unfortunately for 1557 01:26:18.239 --> 01:26:23.119 us in Colorado, the Colorado minimums to be insured it's 1558 01:26:23.119 --> 01:26:26.520 twenty five thousand, right, and so we were able to 1559 01:26:26.720 --> 01:26:29.760 acquire the policy limits. And I don't think we charged 1560 01:26:29.760 --> 01:26:33.199 her a fee, but she had hundreds of thousands of 1561 01:26:33.279 --> 01:26:37.760 daughters and bills. Without going into specifics, she was an 1562 01:26:37.840 --> 01:26:42.319 up and coming, vibrant, beautiful real estate agent and I 1563 01:26:42.439 --> 01:26:47.520 talked to her. This happened, I believe in twenty fourteen too, yeah, fifteen, 1564 01:26:48.039 --> 01:26:51.880 and I talked She reaches out every year. And so 1565 01:26:52.319 --> 01:26:55.039 what I think your listeners should know, and what most 1566 01:26:55.039 --> 01:26:59.199 people don't know, is that when you're walking around on 1567 01:26:59.279 --> 01:27:02.439 Halloween or any other day and you get hit by 1568 01:27:02.479 --> 01:27:06.800 somebody that doesn't have the right insurance or the Colorado minimum. 1569 01:27:07.199 --> 01:27:10.960 If you have your own auto policy, your um or 1570 01:27:11.079 --> 01:27:14.960 UIM policy that covers you like a halo, and it would. 1571 01:27:14.720 --> 01:27:16.920 Have protected her. But she didn't have that. 1572 01:27:16.760 --> 01:27:21.239 And they didn't have that, And so I visited her 1573 01:27:21.359 --> 01:27:23.760 in the nursing home, and actually just a couple of 1574 01:27:23.800 --> 01:27:26.319 weeks ago, I spoke with the fellow that she was with. 1575 01:27:27.000 --> 01:27:30.560 These head injuries are the scariest thing that you can 1576 01:27:30.600 --> 01:27:34.319 ever experience. These people lose everything, and. 1577 01:27:34.640 --> 01:27:39.520 She lost her entire career, everything. But there was nowhere 1578 01:27:39.560 --> 01:27:42.520 to collect, nowhere to collect. 1579 01:27:42.720 --> 01:27:44.960 No, and we did the best we could. 1580 01:27:45.159 --> 01:27:46.359 We always do. 1581 01:27:46.720 --> 01:27:49.279 You know, we're in the business of making sure these 1582 01:27:49.319 --> 01:27:50.840 clients can get So. 1583 01:27:50.760 --> 01:27:53.600 Todd, let me ask you something. She remembers getting one 1584 01:27:53.600 --> 01:27:55.319 thousand dollars. Was that accurate? 1585 01:27:56.880 --> 01:27:59.159 I think it was much more than that, even though 1586 01:27:59.319 --> 01:28:02.800 there were the the or bills, So yeah, I'd have 1587 01:28:02.880 --> 01:28:05.560 to look at the settlement memo, but I think it 1588 01:28:05.600 --> 01:28:08.840 was a lot more than that because we we negotiated 1589 01:28:08.880 --> 01:28:10.840 with all the bills and say, listen, we're in the 1590 01:28:10.840 --> 01:28:15.159 businesses providing this conversation for the clients, not paying hospital bills. 1591 01:28:15.319 --> 01:28:20.279 Is she on disability right now? Yes, So she reaches 1592 01:28:20.319 --> 01:28:23.159 out every year because she doesn't recall the details. 1593 01:28:24.800 --> 01:28:25.039 Right. 1594 01:28:25.279 --> 01:28:27.439 Oh, that's sad. That is so sad. 1595 01:28:28.920 --> 01:28:31.920 She's a lovely, lovely woman and I wish her the best, 1596 01:28:32.039 --> 01:28:33.720 and I just wish that there was some way to 1597 01:28:33.800 --> 01:28:37.560 repair the brain after that. But it, you know, going 1598 01:28:37.600 --> 01:28:40.119 out on Halloween it frightens me. And make sure all 1599 01:28:40.159 --> 01:28:43.680 those kids are safe because it's dangerous, and you know, 1600 01:28:43.720 --> 01:28:47.239 it happens more on Halloween than any other day. And God, 1601 01:28:47.680 --> 01:28:50.359 it ruined her life, it really did. 1602 01:28:50.680 --> 01:28:55.760 And you know, and so you explain stuff to her 1603 01:28:55.800 --> 01:28:58.800 and then you inevitably get a call in a year 1604 01:28:58.880 --> 01:28:59.199 or so. 1605 01:29:01.119 --> 01:29:06.479 Oh repeatedly. And that's what's most disheartening with these brain 1606 01:29:06.520 --> 01:29:08.840 injuries is it doesn't matter how many times that you 1607 01:29:08.920 --> 01:29:13.840 explain it. It just doesn't sink in. And it's hard. 1608 01:29:14.479 --> 01:29:18.920 It's hard to understand because this woman was owed millions 1609 01:29:19.239 --> 01:29:22.960 for her injuries. She should have millions, right, and she 1610 01:29:23.079 --> 01:29:25.159 was hit by the drunk FedEx driver. 1611 01:29:25.359 --> 01:29:26.119 She wouldn't be. 1612 01:29:26.119 --> 01:29:28.680 In the situation that she's in, right, she would at 1613 01:29:28.760 --> 01:29:31.600 least have the treatment, right, And it's just so sad. 1614 01:29:32.359 --> 01:29:36.960 You're right, there's nothing people can do when they don't 1615 01:29:37.000 --> 01:29:41.279 have insurance and the other person has no net worth. 1616 01:29:41.800 --> 01:29:45.359 So I got a question, is there a way? I 1617 01:29:45.439 --> 01:29:48.479 never asked my insurance people this, I should Is there 1618 01:29:48.600 --> 01:29:52.039 any kind of a way to get any kind of 1619 01:29:52.039 --> 01:29:54.680 an umbrella that would cover you in these situations if 1620 01:29:54.720 --> 01:29:55.960 you don't have an auto policy? 1621 01:29:58.520 --> 01:30:01.880 I don't know there is relative Well if you even 1622 01:30:01.920 --> 01:30:05.279 if you live with somebody in the home, could you 1623 01:30:05.279 --> 01:30:05.920 ear covered? 1624 01:30:06.560 --> 01:30:09.960 So you tried all kinds of options and she had 1625 01:30:10.039 --> 01:30:13.359 nothing that she could go to other than this individual. 1626 01:30:15.159 --> 01:30:17.279 Yeah, And what a lot of people don't understand is, like, 1627 01:30:17.520 --> 01:30:20.880 you know, they had coverage. We could have sued and 1628 01:30:20.920 --> 01:30:23.119 got a verdict for millions, but what good does that 1629 01:30:23.159 --> 01:30:26.880 do her? When you have a a client that or 1630 01:30:26.920 --> 01:30:31.640 a defendant that's non collectible. You know, you get a 1631 01:30:31.680 --> 01:30:35.920 twenty million dollars verdict and the insurance company hands you 1632 01:30:35.920 --> 01:30:38.079 a check for twenty five thousand, says you know they're 1633 01:30:38.319 --> 01:30:39.439 they're on the hook for the rest? 1634 01:30:40.000 --> 01:30:43.439 Right, So all right, well listen, Todd Todd Bobo, We 1635 01:30:43.920 --> 01:30:49.840 certainly appreciate you shedding light on this, and you if 1636 01:30:49.880 --> 01:30:52.720 the guy went to jail, Oh did the guy was 1637 01:30:52.760 --> 01:30:55.640 the guy punished by law enforcement Todd by the way, 1638 01:30:55.760 --> 01:30:57.439 did the guy get punished. 1639 01:30:59.399 --> 01:31:02.079 Because it come from the other firm that had been 1640 01:31:02.119 --> 01:31:03.720 resolved prior to coming to it? 1641 01:31:03.840 --> 01:31:04.399 Okays? 1642 01:31:04.560 --> 01:31:06.199 But okay? 1643 01:31:06.399 --> 01:31:12.079 Usually yeah, I mean yeah, that is so bad. That 1644 01:31:12.079 --> 01:31:14.840 that is so bad. I mean there's nothing you can 1645 01:31:14.880 --> 01:31:19.359 do about it. Our state minimums are horrendous and insulting. 1646 01:31:19.960 --> 01:31:25.479 They're insulting. Oh god, I'm Tom Martino, and we have 1647 01:31:25.560 --> 01:31:28.159 more coming right now. I have Dan Mackenzie coming up. 1648 01:31:28.279 --> 01:31:30.800 In fact, I want to ask Dan just real quick 1649 01:31:30.800 --> 01:31:32.640 this I can get Dan in because he's a very 1650 01:31:32.680 --> 01:31:36.319 busy man in a state. Where did he go away? 1651 01:31:36.640 --> 01:31:38.760 I guess he went away? All right, we have more 1652 01:31:38.800 --> 01:31:47.079 coming right up. Go with a sure thing Denver's best 1653 01:31:47.159 --> 01:31:50.039 roofer Excel Roofing dot com. You don't pay a cent 1654 01:31:50.239 --> 01:31:56.319 until you're content. Time for an insurance check up free, 1655 01:31:56.399 --> 01:32:00.159 no obligation. In comparison, call Compass Insurance paying too much 1656 01:32:00.239 --> 01:32:03.199 your coverage at dozens of insurance companies find out now 1657 01:32:03.279 --> 01:32:05.760 three oh three, seven seven to one help. You'll think 1658 01:32:05.800 --> 01:32:08.399 you're his only customer When you choose Frank durand the 1659 01:32:08.399 --> 01:32:11.039 real estate Man dot com to list your home with 1660 01:32:11.159 --> 01:32:14.680 Remax Alliance three all three nine two zero sixteen twenty two. 1661 01:32:22.960 --> 01:32:25.840 Hello Tom Martino here three O three seven one three 1662 01:32:25.880 --> 01:32:28.319 talk seven one three eight two five five. Probid energy 1663 01:32:28.399 --> 01:32:34.439 dot com. Probidenergy dot com for your solar energy needs 1664 01:32:34.479 --> 01:32:38.039 and they do a great job. You can trust him. 1665 01:32:38.119 --> 01:32:42.119 So that's probid energy dot Com. Okay, now I want 1666 01:32:42.119 --> 01:32:45.199 to go back to the phones. Dan McKenzie is with us. Dan, 1667 01:32:45.279 --> 01:32:47.159 thank you for being here. We have a quick question 1668 01:32:47.239 --> 01:32:52.760 for you there, sir, Yeah, okay. Our question is with 1669 01:32:53.039 --> 01:32:58.760 having to do with Gary and Gary uh said that 1670 01:32:59.720 --> 01:33:04.920 his father died, and his father died May first, his 1671 01:33:05.119 --> 01:33:11.600 niece is the personal representative according to the will, the 1672 01:33:11.680 --> 01:33:15.399 nephew got the house, the niece got the bank account, 1673 01:33:16.560 --> 01:33:21.000 but they don't know how much, and the other siblings 1674 01:33:21.000 --> 01:33:23.239 are supposed to get something, but he don't know. He 1675 01:33:23.279 --> 01:33:27.119 doesn't know what. How does he get information? Isn't that 1676 01:33:27.159 --> 01:33:29.880 your question? Gary? What is your right to information? 1677 01:33:30.000 --> 01:33:30.439 If any? 1678 01:33:31.359 --> 01:33:35.039 Yeah? Yeah, exactly? How do I get an accounting of 1679 01:33:35.079 --> 01:33:42.399 the will and an accounting of his produciaries? Because I'm 1680 01:33:42.439 --> 01:33:48.399 hearing two different stories when my father was I'm trying 1681 01:33:48.439 --> 01:33:51.720 to make let's make a real quick, simple deal out 1682 01:33:51.760 --> 01:33:57.039 of it. My mom died in May of twenty three 1683 01:33:57.680 --> 01:33:59.920 and my dad was ready to die. They'd been married 1684 01:34:00.079 --> 01:34:02.960 seventy four years. My dad was ready to die then, 1685 01:34:03.640 --> 01:34:06.279 so he went back to Kansas. He lived in the 1686 01:34:06.319 --> 01:34:09.159 mountains here. He went back to Kansas for the winter, 1687 01:34:09.640 --> 01:34:11.880 and he decided he wanted to come home and die 1688 01:34:11.920 --> 01:34:17.079 in his house in April of this year. So he 1689 01:34:17.199 --> 01:34:21.199 came home and my niece came out and was taken 1690 01:34:21.239 --> 01:34:28.000 care of him. And sometime between the time my mom died, 1691 01:34:28.119 --> 01:34:31.960 when my mom died, they went in and changed the wheel. 1692 01:34:32.319 --> 01:34:37.560 And what my dad told me was he made my 1693 01:34:37.800 --> 01:34:43.279 daughter and the nephew that got the house as because 1694 01:34:43.560 --> 01:34:50.960 you know the what do you call it personal representation? 1695 01:34:51.119 --> 01:34:52.920 What does this have to do with anything? You just 1696 01:34:52.960 --> 01:34:55.479 want to know how to get an accounting, right, Dan, 1697 01:34:55.560 --> 01:34:58.239 How does he get an accounting of the will? Well? 1698 01:34:58.319 --> 01:35:05.319 Yeah, and how how the four uh, the four people 1699 01:35:05.359 --> 01:35:07.680 that are supposed to be able to divide the stuff up? 1700 01:35:09.880 --> 01:35:12.920 She divided everything up and said, Okay, this is what 1701 01:35:13.000 --> 01:35:13.399 you get. 1702 01:35:13.479 --> 01:35:16.920 This is what we get that, Gary, Gary, we get that. 1703 01:35:16.920 --> 01:35:19.279 That's what an accounting is. I mean, you want to 1704 01:35:19.279 --> 01:35:21.119 know if you're mentioned in the will and how you're 1705 01:35:21.159 --> 01:35:23.239 mentioned you're not. You didn't get a copy of the will? 1706 01:35:23.319 --> 01:35:23.760 Is that right? 1707 01:35:24.399 --> 01:35:25.600 Yeah? I did get a copy. 1708 01:35:25.640 --> 01:35:28.479 Okay, Well in that will? In that will, what does 1709 01:35:28.520 --> 01:35:30.359 it say about you and your brothers? Because that's what 1710 01:35:30.479 --> 01:35:32.039 you're concerned about. What does it say? 1711 01:35:32.840 --> 01:35:35.279 Right? And said she's the personal representative? 1712 01:35:35.560 --> 01:35:38.359 I get what does it say about you and your brothers? Gary? 1713 01:35:39.199 --> 01:35:41.319 That we get everything that's in the house? 1714 01:35:41.520 --> 01:35:45.439 Okay? And and did you get everything in the house? No, 1715 01:35:45.960 --> 01:35:46.640 where is it? 1716 01:35:48.000 --> 01:35:50.920 Well she split up a bunch of stuff and and 1717 01:35:51.000 --> 01:35:53.520 put it in storage and says, okay, come get what 1718 01:35:53.640 --> 01:35:54.039 you get. 1719 01:35:54.319 --> 01:35:57.199 Oh well, then why didn't you go get what you got? 1720 01:35:57.439 --> 01:36:00.239 Well? I did, And the furniture and everything else is 1721 01:36:00.279 --> 01:36:04.560 still in the house. And I want to know where 1722 01:36:04.600 --> 01:36:07.800 certain things are and and they have it shown up. 1723 01:36:08.359 --> 01:36:09.439 Okay, So what do you do? 1724 01:36:10.760 --> 01:36:11.720 Yeah, what do you do? 1725 01:36:12.880 --> 01:36:16.239 Dan mackenzie, give them a chance to answer. Now, go ahead, Dan, 1726 01:36:16.640 --> 01:36:18.000 You're not contesting the will. 1727 01:36:18.000 --> 01:36:22.840 You're just trying to figure out how you get your stuff. Okay, Yeah, 1728 01:36:22.920 --> 01:36:26.439 I mean I guess that this is it's just personal property. 1729 01:36:26.439 --> 01:36:28.279 It's just stuff from the house you're trying to get. 1730 01:36:29.479 --> 01:36:31.800 Yeah, Well, I'd like to know where the money went 1731 01:36:31.880 --> 01:36:33.479 and the stocks and bonds. 1732 01:36:33.119 --> 01:36:40.119 To well, are you entitled to that under the well? 1733 01:36:43.039 --> 01:36:43.640 You have a right. 1734 01:36:43.720 --> 01:36:44.560 I mean, you are in here. 1735 01:36:45.159 --> 01:36:46.079 You know whether even if. 1736 01:36:49.520 --> 01:36:55.520 Is she I'm sorry, is she entitled to it? 1737 01:36:57.279 --> 01:36:59.439 I mean, it just depends on what the will says. 1738 01:36:59.479 --> 01:37:01.399 And if you're I mean, if you're going to contest 1739 01:37:01.399 --> 01:37:03.319 that will and say, hey, this will was made under 1740 01:37:03.439 --> 01:37:06.720 you know, somebody was pressuring her to do this and 1741 01:37:06.920 --> 01:37:09.760 inappropriately or some or she didn't have capacity, she didn't 1742 01:37:09.760 --> 01:37:10.920 know what she was doing at the time. 1743 01:37:11.319 --> 01:37:12.399 Those are the usual. 1744 01:37:12.319 --> 01:37:15.119 Common way to contest the will. If you're not contesting 1745 01:37:15.119 --> 01:37:17.680 the will, certainly you know you should get what you're 1746 01:37:17.720 --> 01:37:19.399 in what the will says you're supposed to get, but 1747 01:37:19.479 --> 01:37:22.880 they do have some time to figure that out. As 1748 01:37:22.880 --> 01:37:24.239 far as you know, how are we going to make 1749 01:37:24.239 --> 01:37:25.720 this available and how are we going to get it 1750 01:37:25.760 --> 01:37:25.920 to you? 1751 01:37:25.920 --> 01:37:26.880 And all that kind of stuff. 1752 01:37:28.800 --> 01:37:29.359 Have you asked? 1753 01:37:29.960 --> 01:37:32.000 Have you asked what the plan is? Yes? 1754 01:37:32.199 --> 01:37:34.000 I've asked her and asked her. 1755 01:37:34.279 --> 01:37:38.039 Will they give you information exactly? 1756 01:37:38.159 --> 01:37:40.279 I can't get any information. 1757 01:37:39.920 --> 01:37:42.760 But I think you did get information. I think she 1758 01:37:42.920 --> 01:37:45.880 got the bank account, he got the house, the nephew 1759 01:37:45.880 --> 01:37:48.279 and niece and you guys get the stuff in the 1760 01:37:48.319 --> 01:37:49.119 storage unit. 1761 01:37:49.840 --> 01:37:51.840 I don't know if she got the bank account or not. 1762 01:37:51.960 --> 01:37:55.840 It doesn't say that in the in the in the will. 1763 01:37:55.960 --> 01:37:57.840 You know, he brings up a good point. Let's just 1764 01:37:57.920 --> 01:38:00.600 ask it like it is, okay, Dan, I've asked you 1765 01:38:00.640 --> 01:38:04.000 this a million times. People always have questions about wills. 1766 01:38:04.279 --> 01:38:06.279 They do they if they're not part of it, they 1767 01:38:06.319 --> 01:38:08.199 have a question about it. Or if they are part 1768 01:38:08.239 --> 01:38:11.079 of it but they're not the representative. Is there a 1769 01:38:11.159 --> 01:38:14.760 requirement that the personal representative or the attorney or someone 1770 01:38:15.079 --> 01:38:17.159 makes the full accounting of what went where. 1771 01:38:19.119 --> 01:38:22.439 Yes to people who haven't interested in the estate, for sure, 1772 01:38:22.479 --> 01:38:25.239 And even a disinherited person has an interest in the estate. 1773 01:38:25.720 --> 01:38:28.399 As far as getting the will. You know, as we've discussed, 1774 01:38:28.439 --> 01:38:30.920 the will is required like whoever has the copy of 1775 01:38:30.920 --> 01:38:33.760 the will is required to lodge it with the county 1776 01:38:33.760 --> 01:38:35.720 probate court. That means hand it over to the county 1777 01:38:35.760 --> 01:38:37.520 probate court, whether there's going to be probate or not, 1778 01:38:37.680 --> 01:38:39.600 they have to give it to them. And it's for 1779 01:38:39.640 --> 01:38:41.439 this reason that people who have an interest in the 1780 01:38:41.520 --> 01:38:43.680 estate can go see it. And if they haven't done that, 1781 01:38:43.760 --> 01:38:45.279 if they're sitting on a will and they are not 1782 01:38:45.439 --> 01:38:49.479 lodging it. They could be responsible for any you know, 1783 01:38:49.960 --> 01:38:53.159 damages that causes that the people who should have received 1784 01:38:53.159 --> 01:38:55.600 stuff under that will didn't get it because they didn't 1785 01:38:55.640 --> 01:38:56.359 know what the will said. 1786 01:38:56.439 --> 01:38:58.800 So does he have to have an attorney to do this? 1787 01:39:00.680 --> 01:39:02.920 I mean, he's alreadyn't given the will, so I don't. 1788 01:39:03.000 --> 01:39:06.279 I mean, that doesn't seem like that's really an issue. 1789 01:39:06.920 --> 01:39:09.119 If he wants to contest the will, then yes, I 1790 01:39:09.119 --> 01:39:09.640 would say, But. 1791 01:39:09.600 --> 01:39:11.279 He doesn't want to contest the will what he wants 1792 01:39:11.279 --> 01:39:14.000 to I think what he's saying is he has no 1793 01:39:14.119 --> 01:39:17.800 idea where certain things are, and I don't think there's 1794 01:39:17.880 --> 01:39:21.439 anyone that can compel anyone that all the niece has 1795 01:39:21.479 --> 01:39:23.079 to say is I have no idea where it is. 1796 01:39:25.079 --> 01:39:28.600 Yeah, I mean, I guess I'm not entirely clear. If 1797 01:39:28.600 --> 01:39:31.680 he made a very clear request about here are the 1798 01:39:31.680 --> 01:39:34.520 items I'm expecting, when can I expect to receive them? 1799 01:39:34.600 --> 01:39:35.800 And how are you going to get them to me? 1800 01:39:36.239 --> 01:39:37.960 And what did he ask? How much was in the 1801 01:39:37.960 --> 01:39:40.560 bank account? Does she have to tell him since she 1802 01:39:40.720 --> 01:39:43.960 got the bank account, it depends. 1803 01:39:43.520 --> 01:39:45.479 On it to win through the probate process or not 1804 01:39:45.640 --> 01:39:47.239 if it was if it just went to her through 1805 01:39:47.279 --> 01:39:48.640 like some sort of designated beneficial. 1806 01:39:48.760 --> 01:39:50.520 No, it was in I guess it was in the will. 1807 01:39:50.800 --> 01:39:53.680 It was in the will, right, Oh, it was. 1808 01:39:54.000 --> 01:39:55.920 She was a signer on the account. 1809 01:39:56.079 --> 01:39:58.680 Never mind, never mind, then she'd okay, then it didn't 1810 01:39:58.680 --> 01:39:59.640 go through the probate. 1811 01:40:00.399 --> 01:40:03.720 Right, So when he passes in, she automatically gets. 1812 01:40:03.720 --> 01:40:06.439 What was the special relationship with this niece and nephew? 1813 01:40:06.439 --> 01:40:09.279 That got everything basically, Well, there. 1814 01:40:09.479 --> 01:40:13.920 Really was no special relationship. I mean they came out 1815 01:40:13.960 --> 01:40:17.159 here every year from Kansas when they were kids, and 1816 01:40:17.159 --> 01:40:18.439 and they thought they were. 1817 01:40:18.520 --> 01:40:21.319 Kids, and which one which one of the siblings? Do 1818 01:40:21.359 --> 01:40:26.319 they belong to the youngest boy? And is your youngest brother? 1819 01:40:26.680 --> 01:40:31.560 It's your brother, right right? Is he wondering too or 1820 01:40:31.680 --> 01:40:32.039 just you? 1821 01:40:32.359 --> 01:40:35.199 Yeah? Yeah, he's a strange. They will not talk to 1822 01:40:35.279 --> 01:40:35.920 him at all. 1823 01:40:36.039 --> 01:40:38.960 Okay, listen, I don't know what to do about this, Dan, 1824 01:40:39.199 --> 01:40:42.279 I think that you said it. Can he just go 1825 01:40:42.359 --> 01:40:44.319 to the judge and request an accounting? 1826 01:40:47.720 --> 01:40:50.399 Yeah, I mean, as that person you can ask the 1827 01:40:50.399 --> 01:40:52.840 personal representative. You should have gotten a document called an 1828 01:40:52.840 --> 01:40:56.119 information of appointment telling you what your rights are, and 1829 01:40:56.119 --> 01:40:57.920 one of them is to requests and accounting and you 1830 01:40:58.000 --> 01:41:01.319 actually do that to the personal presentatives say I would 1831 01:41:01.319 --> 01:41:02.000 like the accounting. 1832 01:41:02.560 --> 01:41:02.960 That's it. 1833 01:41:03.840 --> 01:41:06.840 Yeah, And I did that, And she says, I don't 1834 01:41:06.920 --> 01:41:08.279 have to give you an account. 1835 01:41:08.359 --> 01:41:10.199 But you didn't do it through the court. Man, You 1836 01:41:10.239 --> 01:41:11.319 didn't do it through the court. 1837 01:41:11.439 --> 01:41:12.840 No I did. No, I didn't. 1838 01:41:12.960 --> 01:41:15.800 Okay, Well that's what you do. You asked the judge 1839 01:41:15.840 --> 01:41:16.279 to do it. 1840 01:41:18.159 --> 01:41:19.239 I mean, you really shouldn't have to. 1841 01:41:20.520 --> 01:41:22.399 And what you ought to do is you and your brothers. 1842 01:41:22.479 --> 01:41:24.119 Let me just let me just cut this short because 1843 01:41:24.159 --> 01:41:26.479 we have another call for him. You and your brother's 1844 01:41:26.560 --> 01:41:29.560 call called Dan McKenzie. Give him the number off the air, please, 1845 01:41:29.920 --> 01:41:33.760 kat China eight three three Coe plans Dan. Hang on 1846 01:41:33.800 --> 01:41:36.039 because Sue has a quick question here. I hope it's 1847 01:41:36.039 --> 01:41:40.600 a quick question. Hold on, Uh, Sue is right here, Sue? 1848 01:41:40.600 --> 01:41:42.960 What is your question real quick here about probate? 1849 01:41:45.039 --> 01:41:47.960 Yes, sir, I do I have a case right now 1850 01:41:48.119 --> 01:41:53.119 that I'm looking seeking an attorney for for contested probate 1851 01:41:53.680 --> 01:41:56.640 now duciary that has breached his contract. 1852 01:41:56.840 --> 01:42:00.359 So what are you saying a fiduciary another at Joorney 1853 01:42:00.840 --> 01:42:05.439 or the personal representative or who breached the contract. 1854 01:42:06.119 --> 01:42:10.119 The personal representative. My son used to be the power 1855 01:42:10.119 --> 01:42:13.399 of attorney, and then they took My sister went behind 1856 01:42:13.399 --> 01:42:19.000 our backs during COVID and she got conservatorship, and she 1857 01:42:19.119 --> 01:42:22.920 took away the medical part, the caregiving, and she put 1858 01:42:23.000 --> 01:42:25.800 it onto her. I was my dad's caregiver, and now 1859 01:42:25.840 --> 01:42:26.800 she's the caregiver. 1860 01:42:26.960 --> 01:42:28.279 She's the caregiver. 1861 01:42:27.960 --> 01:42:30.520 Now, well she was. 1862 01:42:31.119 --> 01:42:34.319 My dad passed away yesterday. It was a third year anniversary. Okay, 1863 01:42:34.439 --> 01:42:38.960 but this piduciary has breached so many gay tends. 1864 01:42:39.439 --> 01:42:40.119 What could give me. 1865 01:42:40.079 --> 01:42:44.239 An example of what this so called seduciary breached? 1866 01:42:46.039 --> 01:42:49.880 Okay, First of all, he did not take care of 1867 01:42:49.960 --> 01:42:53.920 the properties and they started going downhill. He took one 1868 01:42:53.960 --> 01:42:57.960 hundred thousand dollars out of my dad's money to sue 1869 01:42:58.399 --> 01:43:03.079 a family member that nobody else was suing. He has 1870 01:43:03.119 --> 01:43:04.920 no right to miss appropriate. 1871 01:43:04.960 --> 01:43:07.520 Who is this he? Who is he? What is he? 1872 01:43:07.960 --> 01:43:08.640 Your brother? 1873 01:43:09.000 --> 01:43:10.079 He's a conservator? 1874 01:43:10.520 --> 01:43:11.199 Is he your brother? 1875 01:43:12.399 --> 01:43:12.560 Oh? 1876 01:43:12.680 --> 01:43:12.840 No? 1877 01:43:13.119 --> 01:43:16.159 He is no reason was he appointed by the courts? 1878 01:43:17.399 --> 01:43:20.479 Somehow he was appointed? My sisters went on a witchland. 1879 01:43:20.600 --> 01:43:22.640 I guess they did this all behind our back. 1880 01:43:23.239 --> 01:43:25.920 Who appointed blind guy conservator? 1881 01:43:28.039 --> 01:43:30.600 It had to be the courts, and both of those 1882 01:43:30.640 --> 01:43:34.600 sisters must have tried to call and find out how 1883 01:43:34.640 --> 01:43:36.359 they could go about getting my son off of the 1884 01:43:36.399 --> 01:43:38.000 power of attorney because they were jealous. 1885 01:43:38.119 --> 01:43:42.359 But all I okay, where was he appointed conservator while 1886 01:43:42.359 --> 01:43:44.479 the guy was alive or after he died? 1887 01:43:44.840 --> 01:43:48.319 Yes, my dad was alive and this guy has been 1888 01:43:48.920 --> 01:43:50.159 us four years. 1889 01:43:50.359 --> 01:43:53.119 Okay, got it, Okay, got it? Hold on, hold on, 1890 01:43:53.239 --> 01:44:00.760 I gotta take this break. Hold on, go with a 1891 01:44:00.800 --> 01:44:04.359 sure thing Denver's best roofer Excel Roofing dot com. You 1892 01:44:04.359 --> 01:44:10.159 don't pay a cent until you're content. Time for an 1893 01:44:10.159 --> 01:44:13.800 insurance check up free, no obligation. In comparison, call Compass 1894 01:44:13.840 --> 01:44:17.079 Insurance paying too much your coverage at dozens of insurance 1895 01:44:17.159 --> 01:44:19.680 companies find out now three oh three seven seven to 1896 01:44:19.720 --> 01:44:22.479 one help. You'll think you're his only customer when you 1897 01:44:22.560 --> 01:44:25.039 choose Frank durand the real estate Man dot com to 1898 01:44:25.119 --> 01:44:28.279 list your home with Remax Alliance three oh three nine 1899 01:44:28.319 --> 01:44:37.039 two zero sixteen twenty two. Hi Tom Martino, you're a troubleshooter. 1900 01:44:37.079 --> 01:44:38.840 Three oh three seven one three talks seven one three 1901 01:44:38.960 --> 01:44:40.359 h five five. We don't have a lot of time, 1902 01:44:40.399 --> 01:44:43.079 so I'm going to ask Dan, Dan if there is 1903 01:44:43.159 --> 01:44:45.319 we've had This come up a lot of times before. 1904 01:44:45.399 --> 01:44:49.479 Mackenzie Law, Dan COEO Plans dot co. If you have 1905 01:44:50.359 --> 01:44:53.359 somebody appointed a public trust, he or whatever they call them, 1906 01:44:53.680 --> 01:44:56.199 and you're you don't like what they're doing, what do 1907 01:44:56.279 --> 01:44:58.760 you do as heirs of the estate, what do you do? 1908 01:44:59.319 --> 01:45:00.840 Especially with everyone's fighting? 1909 01:45:01.560 --> 01:45:03.119 Yeah, I mean you have a couple. I mean certainly 1910 01:45:03.119 --> 01:45:06.720 you can ask a court to replace that person something 1911 01:45:06.800 --> 01:45:09.000 less traumatic than that. It's just that the person be 1912 01:45:09.119 --> 01:45:12.560 supervised by the courts. Usually, in most probates, the personal 1913 01:45:12.600 --> 01:45:14.760 representatives out there doing the stuff they need to do 1914 01:45:14.840 --> 01:45:18.359 and the court's not really checking unless phecifically being half. 1915 01:45:18.760 --> 01:45:23.039 We hear a lot of complaints though about conservators. Yeah, 1916 01:45:23.119 --> 01:45:26.560 they're naturally hated because the family doesn't want them. Sue. 1917 01:45:26.560 --> 01:45:30.319 I'll talk to you after the break, Dan McKenzie mackenzie Law. 1918 01:45:30.399 --> 01:45:34.159 It's eight three three CO plans. But this is something 1919 01:45:34.199 --> 01:45:37.600 we need to talk about because there's too many bad 1920 01:45:37.640 --> 01:45:41.159 ones out there. Go with a sure thing Denver's Best 1921 01:45:41.239 --> 01:45:44.079 Roofer Excel roofing dot com. You don't pay a cent 1922 01:45:44.319 --> 01:45:50.359 until you're content. Time for an insurance check up free, 1923 01:45:50.439 --> 01:45:54.159 no obligation. In comparison, call Compass Insurance paying too much 1924 01:45:54.319 --> 01:45:57.239 your coverage at dozens of insurance companies. Find out now 1925 01:45:57.319 --> 01:45:59.600 three O three seven to seven to one help. You'll 1926 01:45:59.600 --> 01:46:02.359 think you're his only customer when you choose Frank durand 1927 01:46:02.359 --> 01:46:04.840 the real estate man dot com to list your home 1928 01:46:05.039 --> 01:46:08.199 with Remax Alliance three oh three nine two zero sixteen 1929 01:46:08.239 --> 01:46:09.359 twenty two. 1930 01:46:09.560 --> 01:46:15.079 Yeah, ripped up. 1931 01:46:16.520 --> 01:46:23.119 New need so you don't have come running Just as 1932 01:46:23.159 --> 01:46:24.199 fast as we can. 1933 01:46:25.479 --> 01:46:26.760 Shooter's gonna help. 1934 01:46:27.039 --> 01:46:29.840 Come man, this is. 1935 01:46:29.800 --> 01:46:33.119 The Troubleshooter Show. No Tom Martine. 1936 01:46:33.640 --> 01:46:36.720 Hi, I'm Tom Martino. You're Troubleshooter. We're trying to solve problems. 1937 01:46:36.760 --> 01:46:39.880 I apologize to Beverly. She's boon waiting so long. Beverly. 1938 01:46:39.960 --> 01:46:43.239 I'm sorry we had these other issues come up. Now, Sue, 1939 01:46:43.239 --> 01:46:46.439 I haven't forgotten about you in the probate and the conservator. 1940 01:46:46.560 --> 01:46:48.359 We need to talk about that. And then Bruce wants 1941 01:46:48.359 --> 01:46:50.880 to talk about a Chevy Equinox. He called in two 1942 01:46:50.880 --> 01:46:54.520 weeks about ago. Hey, Beverly, what's going on with your 1943 01:46:54.520 --> 01:46:58.520 Maytag washer? I heard that the Maytag repairman is the 1944 01:46:58.560 --> 01:47:00.920 lonely That's not true. 1945 01:47:01.600 --> 01:47:04.439 Well, I bought it on May second. 1946 01:47:04.439 --> 01:47:08.840 Of this year, Yes, of this year, okay. 1947 01:47:08.840 --> 01:47:12.199 May second, And it was fine until about a month 1948 01:47:12.199 --> 01:47:15.520 ago and it started not washing and so forth. 1949 01:47:15.880 --> 01:47:17.399 I went into Lowe's. 1950 01:47:17.119 --> 01:47:21.359 Last week they gave me put in may Tig repair. 1951 01:47:22.319 --> 01:47:24.760 There were six people that came up in the area. 1952 01:47:25.399 --> 01:47:28.039 I caught off six of them, and they said they 1953 01:47:28.039 --> 01:47:30.279 do not do warranty work, that I had to pay 1954 01:47:30.359 --> 01:47:30.880 up front. 1955 01:47:31.600 --> 01:47:35.399 Why I called wait, wait, wait wait, it's under warranty. 1956 01:47:35.039 --> 01:47:39.399 Though, right, well, it's kind a one year warranty. I 1957 01:47:39.439 --> 01:47:41.119 did not buy an extended warrant. 1958 01:47:41.239 --> 01:47:43.840 I understand, but when and but you said you bought 1959 01:47:43.880 --> 01:47:45.199 it this year. 1960 01:47:45.000 --> 01:47:47.079 Right May second? 1961 01:47:47.119 --> 01:47:50.079 Yes, well, then it's under warranty until next May. 1962 01:47:50.199 --> 01:47:52.039 Right right? 1963 01:47:52.199 --> 01:47:56.159 But the six people that I called under may may 1964 01:47:56.199 --> 01:47:57.640 Tig Repair in. 1965 01:47:57.560 --> 01:47:58.840 Denver, I wouldn't do it. 1966 01:47:59.000 --> 01:48:02.159 They do not They do not do warranty work. I 1967 01:48:02.199 --> 01:48:03.199 have to pay up front. 1968 01:48:03.479 --> 01:48:06.199 But then do you get reimbursed? You did they say 1969 01:48:06.199 --> 01:48:07.640 you would be reimbursed or what? 1970 01:48:08.680 --> 01:48:09.560 They did not know? 1971 01:48:10.039 --> 01:48:12.960 And did you call Maytag? I would call Maytag and 1972 01:48:13.000 --> 01:48:16.199 say I have a washer under warranty. I don't want 1973 01:48:16.239 --> 01:48:17.399 to pay up front. 1974 01:48:18.279 --> 01:48:21.960 Okay, That's what I did. Next because Maytig is owned 1975 01:48:21.960 --> 01:48:27.399 by Whirlpool, so I called may Tig and they wanted 1976 01:48:27.439 --> 01:48:30.119 to know the course, the serial number, model number, and all. 1977 01:48:30.199 --> 01:48:32.960 I gave them all that it was. I did not 1978 01:48:33.039 --> 01:48:35.840 get to speak to a live person after I put 1979 01:48:35.880 --> 01:48:38.920 in the serial number and the model number, and they 1980 01:48:39.000 --> 01:48:42.239 asked me if I had the extended warranty. I said no, 1981 01:48:42.640 --> 01:48:43.600 and they said. 1982 01:48:44.760 --> 01:48:46.199 They just disconnected. 1983 01:48:46.399 --> 01:48:48.680 I called them three times and it just disconnects. 1984 01:48:48.840 --> 01:48:53.239 Come on, wait, where did you Where did you buy it, Beverly, 1985 01:48:53.319 --> 01:48:56.479 Where did you buy it? Well, they need to help you. 1986 01:48:56.520 --> 01:48:57.640 What did Low say? 1987 01:48:59.039 --> 01:49:02.399 Well, the gentleman had had quite a bit of experience. 1988 01:49:02.479 --> 01:49:05.840 He had worked for LG and a couple of others 1989 01:49:05.880 --> 01:49:08.600 for the twenty five thirty years. He said he never 1990 01:49:08.640 --> 01:49:11.079 heard of such a thing. He thought that I could 1991 01:49:11.119 --> 01:49:13.079 just go and get someone from here to do the 1992 01:49:13.119 --> 01:49:17.800 warranty work. So I called Whirlpool because that's who Wills maintained. Right, 1993 01:49:17.920 --> 01:49:19.760 the same thing. They said, if you don't have any 1994 01:49:19.880 --> 01:49:22.760 sended warny plan, we do not We do not take 1995 01:49:22.800 --> 01:49:23.159 care of it. 1996 01:49:23.199 --> 01:49:27.720 But you got a normal warranty. You got a normal warranty. 1997 01:49:28.600 --> 01:49:31.000 I would take I would I would make no. What 1998 01:49:31.119 --> 01:49:33.520 are the symptoms, by the way, how is it acting up? 1999 01:49:35.159 --> 01:49:38.239 It's one of these with the sensor on it, which 2000 01:49:38.279 --> 01:49:41.640 I didn't really like. It locks, and it locks the 2001 01:49:41.720 --> 01:49:46.199 lid before. Well, then the sensor weighs the. 2002 01:49:46.039 --> 01:49:51.279 Water and it adjusts the load right exactly. 2003 01:49:51.800 --> 01:49:54.199 Yeah, and it does not lock, So therefore will I'm 2004 01:49:54.239 --> 01:49:55.439 not go and watch. 2005 01:49:55.520 --> 01:49:58.159 And the reason it doesn't lock is because they can't 2006 01:49:58.199 --> 01:49:59.279 get the load right right. 2007 01:50:01.119 --> 01:50:03.399 I guess the sensor must be off or something. 2008 01:50:03.439 --> 01:50:06.640 But in the beginning when it did work, here's what happens. 2009 01:50:06.680 --> 01:50:09.600 You hear a click, and then it goes, and then 2010 01:50:09.640 --> 01:50:13.319 it goes and it moves back and forth, it shifts 2011 01:50:13.319 --> 01:50:15.479 the load, and then all of a sudden it goes 2012 01:50:15.520 --> 01:50:16.319 on and you hear. 2013 01:50:16.159 --> 01:50:19.800 The water right exactly. And that's what won't happen. 2014 01:50:20.000 --> 01:50:22.000 Okay, And I'll tell you I think I know what's 2015 01:50:22.039 --> 01:50:25.600 going on, and I'm not going to charge you. No, Seriously, 2016 01:50:25.840 --> 01:50:28.479 I don't know, and I'm not entirely sure it's a 2017 01:50:28.479 --> 01:50:32.359 warranty issue. It sounds to me like a leveling issue 2018 01:50:32.359 --> 01:50:35.159 of the of the washer. It'll level the load to 2019 01:50:35.239 --> 01:50:40.000 a certain extent, but if the washer becomes unlevel, or 2020 01:50:40.039 --> 01:50:42.520 the screws on the bottom in the in the legs, 2021 01:50:42.560 --> 01:50:45.760 if that thing is off too much, it will not 2022 01:50:45.960 --> 01:50:49.119 level the load at all. It because you're beyond what 2023 01:50:49.159 --> 01:50:53.800 the sensor can do. I'm suggesting that's probably. I mean, 2024 01:50:53.840 --> 01:50:57.119 that's what it sounds like to me because it didn't 2025 01:50:57.199 --> 01:51:01.319 happen from the beginning. The up in your place. 2026 01:51:03.479 --> 01:51:08.520 Low has sent someone out to do that, an installer, 2027 01:51:08.560 --> 01:51:10.439 and they installed it for them. 2028 01:51:11.840 --> 01:51:14.239 And did the guy when he did he use a 2029 01:51:14.359 --> 01:51:15.560 level to level it. 2030 01:51:16.000 --> 01:51:16.479 I don't know. 2031 01:51:16.720 --> 01:51:19.199 I'm not sure I can try and level and see 2032 01:51:19.239 --> 01:51:20.000 if it's level. 2033 01:51:20.119 --> 01:51:23.279 Yeah, but but you should. And what you do is 2034 01:51:23.319 --> 01:51:26.439 do it when it's off obviously, and you level, just 2035 01:51:26.479 --> 01:51:29.399 see if it's level. If it's not level, I'm telling 2036 01:51:29.439 --> 01:51:34.680 you something. It's not gonna level itself. The load will do. 2037 01:51:35.520 --> 01:51:40.039 All that's for is is shifting load inside not but 2038 01:51:40.119 --> 01:51:42.560 if it's too far off and it can't shift enough, 2039 01:51:43.000 --> 01:51:47.399 it won't lock and it won't turn on. I mean, 2040 01:51:47.439 --> 01:51:50.600 I had this happen to me. But do you have 2041 01:51:50.760 --> 01:51:55.479 anyone that you know that could help you level it 2042 01:51:55.560 --> 01:51:56.560 if it's not level? 2043 01:51:58.199 --> 01:51:58.399 Oh? 2044 01:51:58.520 --> 01:52:02.079 My son? Okay? Is your son handy or is he pain. 2045 01:52:03.800 --> 01:52:04.239 Disney? 2046 01:52:04.640 --> 01:52:06.399 Is your son handy? 2047 01:52:06.840 --> 01:52:07.920 Yes, he's very handy. 2048 01:52:08.079 --> 01:52:12.199 Okay, did you tell him what was going on? I did? 2049 01:52:12.560 --> 01:52:13.560 And what did he say? 2050 01:52:15.079 --> 01:52:17.560 Well, that was before I went to Low's and found 2051 01:52:17.560 --> 01:52:19.439 out all this. I was on the phone all day 2052 01:52:19.520 --> 01:52:21.239 yesterday trying to find. 2053 01:52:21.079 --> 01:52:24.239 Did anyone suggest to you it could be a leveling problem? 2054 01:52:25.439 --> 01:52:25.640 No? 2055 01:52:25.800 --> 01:52:28.399 I didn't get to speak to any live person yesterday. 2056 01:52:28.720 --> 01:52:30.399 Every number that I called. 2057 01:52:30.119 --> 01:52:33.640 It was a It was a It was just. 2058 01:52:33.800 --> 01:52:36.880 An animated voice. I didn't get to speak with any 2059 01:52:36.920 --> 01:52:41.720 live person anywhere. They just hung up after saying do 2060 01:52:41.760 --> 01:52:44.159 you have Plan one or Plan B? Which of the two? 2061 01:52:45.039 --> 01:52:47.319 I did not find it terrible? 2062 01:52:47.720 --> 01:52:48.199 I said no. 2063 01:52:48.359 --> 01:52:50.520 And then when I said no and it disconnected. 2064 01:52:50.680 --> 01:52:53.880 All right, Yeah, we're going to do. 2065 01:52:54.199 --> 01:52:56.319 Got a year warranty from the factory. 2066 01:52:58.479 --> 01:53:00.359 When you went to Low's, was there any one there 2067 01:53:00.359 --> 01:53:00.960 you could talk to? 2068 01:53:02.359 --> 01:53:05.359 Yes, the gentleman, like I said, there was quite He had. 2069 01:53:05.199 --> 01:53:07.279 Been do you have do you have a name of 2070 01:53:07.319 --> 01:53:08.239 anyone at Low's? 2071 01:53:09.479 --> 01:53:11.720 Yes, Rex was the one that I talked to. 2072 01:53:11.920 --> 01:53:14.319 And do you have a plate? Okay? And which Low? 2073 01:53:14.479 --> 01:53:16.119 Which loads? Did you buy it from? 2074 01:53:17.600 --> 01:53:17.840 Over? 2075 01:53:17.920 --> 01:53:18.960 Off of a rap hole? 2076 01:53:19.600 --> 01:53:20.560 Okay? A wrap hole? 2077 01:53:20.560 --> 01:53:20.840 And what. 2078 01:53:22.479 --> 01:53:23.640 I think it's a hole? 2079 01:53:23.920 --> 01:53:25.720 And is it Dayton? 2080 01:53:25.760 --> 01:53:28.479 And I don't know if it's on Dayton, is it. 2081 01:53:28.680 --> 01:53:30.840 Yeah, it's over, it's right across room. 2082 01:53:33.000 --> 01:53:35.399 Why don't you stop in there for her? Talk to Rex? 2083 01:53:37.319 --> 01:53:41.600 Is that where where you are? Here's what I want 2084 01:53:41.600 --> 01:53:44.840 to do, Beverly. I want you to talk first to 2085 01:53:44.840 --> 01:53:48.239 your son and just ask him if he could check 2086 01:53:48.680 --> 01:53:52.279 to see if your washer is level, and if he 2087 01:53:52.359 --> 01:53:55.479 could adjust the legs if it's not level, to make 2088 01:53:55.520 --> 01:54:00.680 it level. Okay. If it is level, perfectly level, we're 2089 01:54:00.760 --> 01:54:03.560 gonna go into We're gonna call lows that Lows should 2090 01:54:03.600 --> 01:54:06.359 not leave you hanging like this. They should intercede if 2091 01:54:06.399 --> 01:54:11.159 you're having this much trouble. And Deputy Doc, I'm gonna 2092 01:54:11.159 --> 01:54:14.079 give this to one of my deputies. We call him 2093 01:54:14.079 --> 01:54:17.319 our volunteer of dubb Doc. He's gonna help you. We 2094 01:54:17.399 --> 01:54:22.439 will help you get you know, get some attention. Okay. 2095 01:54:22.640 --> 01:54:24.239 And that sounds okay. 2096 01:54:24.319 --> 01:54:26.199 You hang on Dere First, I want you to check 2097 01:54:26.199 --> 01:54:28.960 with your son though, and and Doc will even talk 2098 01:54:28.960 --> 01:54:31.399 to your son if if he has any questions on 2099 01:54:31.399 --> 01:54:33.840 what we're talking about. So hold on, Kitschina, get this 2100 01:54:33.960 --> 01:54:37.880 information from Beverly for Doc. Three oh three seven one 2101 01:54:37.920 --> 01:54:41.439 three talk seven one three eight two five five. Yeah, 2102 01:54:41.520 --> 01:54:45.720 this is Uh, I'm sorry. People have to be more attentive. 2103 01:54:45.920 --> 01:54:48.600 We're gonna come back to sue right after this. I'm 2104 01:54:48.640 --> 01:54:52.159 Tom Martinez. We're gonna talk about probate and conservators and 2105 01:54:52.199 --> 01:54:54.800 how that can really screw you up. One Clear Choice 2106 01:54:54.840 --> 01:54:57.920 Garage Doors for your garage door needs. They have battery 2107 01:54:57.960 --> 01:55:00.640 backup systems, Wi Fi systems so you can control your 2108 01:55:00.680 --> 01:55:04.199 garage door from anywhere. They have time to close feature 2109 01:55:04.239 --> 01:55:07.479 if you forget to close it, it closes automatically. And all 2110 01:55:07.600 --> 01:55:11.319 kinds of new openers and factory authorized for most of them. 2111 01:55:11.640 --> 01:55:21.560 And that is one. Clear Choice Doors dot Com. Go 2112 01:55:21.680 --> 01:55:25.439 with a sure thing Denver's Best roofer Excel Roofing dot Com. 2113 01:55:25.479 --> 01:55:31.199 You don't pay a cent until you're content. Time for 2114 01:55:31.239 --> 01:55:35.000 an insurance check up free no obligation comparison call Compass 2115 01:55:35.039 --> 01:55:38.319 Insurance paying too much your coverage at dozens of insurance 2116 01:55:38.319 --> 01:55:40.800 companies find out now three oh three seven to seven 2117 01:55:40.840 --> 01:55:43.600 to one help. You'll think you're his only customer when 2118 01:55:43.600 --> 01:55:46.119 you choose Frank durand the real estate Man dot com 2119 01:55:46.119 --> 01:55:49.199 to list your home with Remax Alliance three oh three 2120 01:55:49.319 --> 01:55:57.439 nine two zero sixteen twenty two. Hey Tom Martino, your 2121 01:55:57.560 --> 01:56:01.439 troubleshooter three oh three seven won three talk three oh 2122 01:56:01.439 --> 01:56:05.680 three seven one three eight two five five. Welcome to 2123 01:56:05.760 --> 01:56:09.560 the show eight eight eight Heating dot Com. If you're 2124 01:56:09.560 --> 01:56:12.079 looking for someone to check your furnace before winner and 2125 01:56:12.079 --> 01:56:16.039 you want honest opinion of old equipment being replaced, called 2126 01:56:16.039 --> 01:56:19.800 the team three oh three seven seven zero two seven 2127 01:56:19.960 --> 01:56:24.119 seven six seven seven zero two seven seven six. Okay, 2128 01:56:26.119 --> 01:56:28.760 the Chevy Equinox. What the heck you called in a 2129 01:56:28.760 --> 01:56:30.560 while ago, Bruce, I'm trying to find your other call, 2130 01:56:30.640 --> 01:56:32.840 So let's talk about that. We got our experts here, 2131 01:56:33.600 --> 01:56:37.960 and uh let's talk Bruce, what's going on with your equinox? 2132 01:56:38.760 --> 01:56:41.439 Hey, guys called you guys on a week a couple 2133 01:56:41.479 --> 01:56:44.319 of weeks ago. But I had a twenty fourteen Chevy 2134 01:56:44.319 --> 01:56:47.319 Equinox one hundred twenty five thousand miles and when it's 2135 01:56:47.439 --> 01:56:49.560 very hot out I live in Texas. 2136 01:56:49.640 --> 01:56:53.920 Yeah, yeah, fuel it was a fuel delivery problem, yep, exactly. 2137 01:56:54.520 --> 01:56:56.840 And uh so we thought it was either the pump 2138 01:56:56.840 --> 01:57:00.079 in a tank or the hYP right fuel pump. Yeah, 2139 01:57:00.119 --> 01:57:02.399 And so I was looking, I was thinking it was 2140 01:57:02.439 --> 01:57:05.119 in the tank. I thought it was that pump. So 2141 01:57:05.640 --> 01:57:09.640 I'm looking these pumps, up online and my wife goes 2142 01:57:09.680 --> 01:57:13.279 on the chat GPT figure this out. I said, hey, 2143 01:57:13.279 --> 01:57:15.720 why why doesn't my car start after I fill it up? 2144 01:57:15.720 --> 01:57:19.079 On hot days? And chat GPT came back and. 2145 01:57:19.079 --> 01:57:23.760 Said, check your EBAP purge solenoid that's on. It could 2146 01:57:23.760 --> 01:57:25.680 be one or two things. There's one on the motor 2147 01:57:25.680 --> 01:57:29.479 and there's one at the tank. And so I changed 2148 01:57:29.479 --> 01:57:30.279 the one on the motor. 2149 01:57:30.520 --> 01:57:32.000 It was twenty eight bucks. 2150 01:57:32.720 --> 01:57:34.560 Problem went away, never had a problem. 2151 01:57:34.600 --> 01:57:37.159 I love Chat. I ought to invite Chat on the 2152 01:57:37.199 --> 01:57:39.199 show on car Days. 2153 01:57:39.199 --> 01:57:41.319 Crazy. There's crazy that I came up with that. 2154 01:57:41.640 --> 01:57:45.600 So wow, oh yeah, that's actually a pretty common failure. 2155 01:57:46.399 --> 01:57:46.760 It is. 2156 01:57:46.880 --> 01:57:49.520 It is so pretty much so. 2157 01:57:48.880 --> 01:57:51.520 So that I'm so happy that that worked out for you. 2158 01:57:51.600 --> 01:57:51.800 Man. 2159 01:57:52.640 --> 01:57:59.399 You know, people use Chat for their car symptoms. I had, Hey, 2160 01:58:00.199 --> 01:58:02.000 what did I say? Let's see what did I put in? 2161 01:58:02.039 --> 01:58:10.560 One time I was having excessive smoke and leakage and 2162 01:58:11.039 --> 01:58:13.119 some low pressure and they said, how old are you? 2163 01:58:13.600 --> 01:58:19.119 I'm just kidding. I like Chat, though, I should have 2164 01:58:19.159 --> 01:58:21.680 said on my car three all three seven, one, three 2165 01:58:22.119 --> 01:58:24.920 eight two five five Back to Sue, Sue, Okay, I 2166 01:58:24.920 --> 01:58:27.000 wanted to wait, so I had some time here. Let 2167 01:58:27.079 --> 01:58:31.399 let's talk about this, okay. In we were having this 2168 01:58:31.439 --> 01:58:33.000 discussion off the air, and I want to have it 2169 01:58:33.039 --> 01:58:36.000 with you, and we had it with our attorney. Whenever 2170 01:58:36.079 --> 01:58:38.479 in a state, I just want to say this upfront, whenever, 2171 01:58:38.520 --> 01:58:41.640 in a state where people don't get along, whether no 2172 01:58:41.680 --> 01:58:43.960 matter who it is, if the heirs don't get along 2173 01:58:45.279 --> 01:58:51.319 and they hire a conservator, you can kiss goodbye about 2174 01:58:51.319 --> 01:58:55.840 a third of the estate or more. Because conservators, what's that? 2175 01:58:57.359 --> 01:58:57.720 I know? 2176 01:58:58.159 --> 01:58:59.479 Believe me, it's been a nightmare. 2177 01:58:59.680 --> 01:59:01.720 Yep. As soon as they take. 2178 01:59:01.600 --> 01:59:04.880 Over, treated like a family dog because I'm the youngest. 2179 01:59:05.840 --> 01:59:09.479 And here's the deal, sue. When a conservator takes over, 2180 01:59:10.239 --> 01:59:13.760 they don't think in their minds, how do I take 2181 01:59:13.760 --> 01:59:17.279 care of this estate for the heirs? They don't think 2182 01:59:17.319 --> 01:59:20.560 how do I take care of the person? Here's what 2183 01:59:20.600 --> 01:59:24.079 they think. And I don't give a good damn who's 2184 01:59:24.159 --> 01:59:27.000 listening and who gets offended? If you're a conservator, the 2185 01:59:27.159 --> 01:59:29.960 very first thing they think, how much is in it? 2186 01:59:30.079 --> 01:59:31.359 Much money can I make? 2187 01:59:31.640 --> 01:59:36.319 Exactly? That is the way of the world. So they 2188 01:59:36.359 --> 01:59:37.239 wanted I've. 2189 01:59:37.000 --> 01:59:39.560 Never wanted it to go there? See how to will 2190 01:59:40.000 --> 01:59:41.159 they undid the will? 2191 01:59:41.720 --> 01:59:44.239 Well, I don't know why they did they claim there 2192 01:59:44.279 --> 01:59:49.119 was undue influence. Is that why they undid the will? Uh? 2193 01:59:49.239 --> 01:59:52.119 No, they did undid I really don't know how they 2194 01:59:52.159 --> 01:59:53.119 undid the will or why? 2195 01:59:53.399 --> 01:59:55.319 Well, only the court would let them, Only the court 2196 01:59:55.359 --> 01:59:57.239 would let him do that. Did they undo the will 2197 01:59:57.319 --> 01:59:59.000 after the death or before death? 2198 02:00:01.039 --> 02:00:01.119 No? 2199 02:00:01.199 --> 02:00:03.920 It was after the death, because you know, I didn't 2200 02:00:03.920 --> 02:00:06.680 even get the deed until last year. My dad passed 2201 02:00:06.680 --> 02:00:10.079 away twenty twenty one. Yesterday was three years that he 2202 02:00:10.119 --> 02:00:10.840 has been gone. 2203 02:00:11.239 --> 02:00:12.479 How many errors are there? 2204 02:00:12.600 --> 02:00:12.680 Is? 2205 02:00:12.720 --> 02:00:12.800 You? 2206 02:00:12.880 --> 02:00:13.439 And who else? 2207 02:00:14.840 --> 02:00:19.000 Me and a sister in California? Sister here and a 2208 02:00:19.039 --> 02:00:20.039 brother that lives here. 2209 02:00:20.119 --> 02:00:21.920 So there's four of you and the two that. 2210 02:00:21.920 --> 02:00:25.000 Lived here split one of the houses the cost of 2211 02:00:25.039 --> 02:00:28.279 the house. And then my dad gave me this house 2212 02:00:28.760 --> 02:00:33.159 when my son, whom is forty, was five months old. Okay, 2213 02:00:33.159 --> 02:00:34.880 And they made me paid for this house, but he 2214 02:00:34.960 --> 02:00:36.640 charged me a lot more. 2215 02:00:36.800 --> 02:00:37.720 Sue, because every. 2216 02:00:37.520 --> 02:00:40.239 Time I hit on a point. Sue, madam raised the 2217 02:00:40.239 --> 02:00:40.920 price of the house. 2218 02:00:41.000 --> 02:00:41.159 Sue. 2219 02:00:41.239 --> 02:00:44.800 Here's what counts. Okay, If there's four of you, do 2220 02:00:44.960 --> 02:00:49.600 the other three? Are they satisfied? Is the conservator gone now? 2221 02:00:50.880 --> 02:00:50.960 No? 2222 02:00:51.399 --> 02:00:55.479 He is still here causing problems. He misappropriate. 2223 02:00:55.800 --> 02:00:59.840 Wait after three years. After three years, you still have this. 2224 02:01:01.920 --> 02:01:02.399 Yes, sir. 2225 02:01:02.680 --> 02:01:06.520 And he did not do what he promised the repairs 2226 02:01:06.560 --> 02:01:10.920 on my home. He broke his piduciary duties to me. 2227 02:01:11.159 --> 02:01:14.600 He has done nothing but a disservice to me, because, 2228 02:01:15.560 --> 02:01:19.119 like I said, there's twelve, fourteen and sixteen year difference 2229 02:01:19.159 --> 02:01:20.359 between me and the other three. 2230 02:01:20.399 --> 02:01:22.680 So, okay, you're giving me way too much information. I 2231 02:01:22.720 --> 02:01:25.520 need to know this. Are the other three agreeing with 2232 02:01:25.560 --> 02:01:26.039 each other? 2233 02:01:27.720 --> 02:01:29.960 Of course they started it and my brother just goes 2234 02:01:29.960 --> 02:01:31.199 along with it because he's scared. 2235 02:01:31.239 --> 02:01:34.720 Okay, So the other three are not objecting to the conservator? 2236 02:01:36.119 --> 02:01:38.479 Oh no, okay, then I'm going to tell you something 2237 02:01:38.520 --> 02:01:44.880 to sue the will that in the will were you 2238 02:01:44.920 --> 02:01:46.359 supposed to get an equal portion? 2239 02:01:47.880 --> 02:01:49.840 Yes, sir, we were all supposed to get a quarter, 2240 02:01:50.000 --> 02:01:51.640 and that has not been done yet either. 2241 02:01:52.039 --> 02:01:58.560 Okay, So are you claiming are you claiming the are 2242 02:01:58.600 --> 02:02:04.840 you claiming the concer? Is uh siding with the other 2243 02:02:04.960 --> 02:02:06.479 three unjustly? 2244 02:02:08.319 --> 02:02:08.560 Yes? 2245 02:02:09.560 --> 02:02:12.039 Why? 2246 02:02:12.079 --> 02:02:15.399 Because he has left me out of every decision. When 2247 02:02:15.399 --> 02:02:18.239 I said no to the sale of my father's properties, 2248 02:02:18.239 --> 02:02:20.479 he was in real estate and he had some rental properties. 2249 02:02:20.479 --> 02:02:24.720 He did not want them sold. Whenever anybody objected, it 2250 02:02:24.760 --> 02:02:26.760 was supposed to go back to court, no matter who 2251 02:02:26.800 --> 02:02:29.520 it was. It never reached that point because they went 2252 02:02:29.560 --> 02:02:32.399 over my head like, don't worry about her. She's just 2253 02:02:32.439 --> 02:02:34.680 a family dog, and we're just going to deal with 2254 02:02:34.720 --> 02:02:37.800 this ourselves. Okay, Well that's how it made me feel 2255 02:02:37.840 --> 02:02:38.279 like I've been. 2256 02:02:38.279 --> 02:02:40.880 Both who said he who said it was supposed to 2257 02:02:40.960 --> 02:02:41.800 go back to court. 2258 02:02:43.960 --> 02:02:46.800 The conservator said if anybody in the courts when we 2259 02:02:46.880 --> 02:02:49.399 had the meeting on the phone with the courts via 2260 02:02:50.640 --> 02:02:53.720 you know and you call in. Yeah, they said that 2261 02:02:54.079 --> 02:02:58.720 if anybody objected to anything in the will, it would 2262 02:02:58.760 --> 02:02:59.800 have to go back to court. 2263 02:03:00.159 --> 02:03:01.560 Right. 2264 02:03:01.600 --> 02:03:04.960 Funny how that never happened though, Okay, funny how the probate, 2265 02:03:05.319 --> 02:03:09.399 I mean, conservators don't have a boss. That is not fair, 2266 02:03:09.640 --> 02:03:10.119 that's right. 2267 02:03:10.439 --> 02:03:15.239 Why But actually, though, the problem here is if the 2268 02:03:15.319 --> 02:03:20.520 conservator was doing things against all of your wishes, you 2269 02:03:20.680 --> 02:03:24.199 guys could all get together and remove the conservator. 2270 02:03:25.640 --> 02:03:28.079 That's too late, now, way too late. Well, ye need 2271 02:03:28.079 --> 02:03:32.319 a lawyer because he breached his fight, Sue. 2272 02:03:32.359 --> 02:03:35.000 I'm going to tell you you do need an attorney 2273 02:03:35.079 --> 02:03:38.039 because you may or may not have a good case 2274 02:03:38.319 --> 02:03:42.119 after they review it, just because you disagree with a 2275 02:03:42.159 --> 02:03:46.439 conservator doesn't mean they breach their duty. I'm not saying 2276 02:03:46.520 --> 02:03:49.439 they didn't. I'm just saying whether you agree or not 2277 02:03:49.640 --> 02:03:52.439 is not the standard they use. They use a. 2278 02:03:54.159 --> 02:03:57.279 So that's why I know I have a Give me, just. 2279 02:03:57.239 --> 02:03:59.640 Give me one element of proof that you have that 2280 02:03:59.680 --> 02:04:01.000 he eached one element. 2281 02:04:02.199 --> 02:04:07.399 Okay, he was supposed to upkeep these properties until we 2282 02:04:07.479 --> 02:04:10.680 got the deeds, they were still considered to be rental properties. 2283 02:04:12.119 --> 02:04:14.600 He did not fix the plumbing in my home and 2284 02:04:14.640 --> 02:04:17.439 now it's wreaking havoc. And he did not fix the 2285 02:04:17.479 --> 02:04:19.680 electrical panel that he said he was going to do, 2286 02:04:20.359 --> 02:04:22.399 and we're having problems with that now as well. 2287 02:04:22.640 --> 02:04:26.119 And there is a written document that says the estate 2288 02:04:26.239 --> 02:04:27.680 is supposed to upkeep the house. 2289 02:04:29.199 --> 02:04:32.399 Well, that's the conservatives job. Is a piduciary is supposed 2290 02:04:32.439 --> 02:04:36.439 to upkeep the rental properties. Okay, keep them in amitting standards. 2291 02:04:36.560 --> 02:04:38.680 Sue, that's not going to be that's not going to 2292 02:04:38.680 --> 02:04:41.319 be considered fraud. Okay. What you need to do is 2293 02:04:41.319 --> 02:04:43.399 you're right, you do need to talk to an attorney. 2294 02:04:43.800 --> 02:04:46.920 But I'm going to warn you if an attorney neglects 2295 02:04:46.920 --> 02:04:49.560 to take the case, that's going to be your signal 2296 02:04:49.600 --> 02:04:51.920 that is not a good case. Now they're not going 2297 02:04:52.000 --> 02:04:54.840 to work on contingency. Do you have a retainer for 2298 02:04:54.920 --> 02:04:55.640 an attorney. 2299 02:04:57.119 --> 02:04:59.680 Well, I'm going to have to come up with them somehow, 2300 02:04:59.720 --> 02:05:02.520 because if my dad was in the military, surgeon. 2301 02:05:02.239 --> 02:05:07.000 Sue, Sue, all of that, Sue, Sue, all of that 2302 02:05:07.119 --> 02:05:09.359 doesn't matter right now. I'm trying to find an attorney 2303 02:05:09.359 --> 02:05:11.680 for you. What I'm saying is this, I want you 2304 02:05:11.800 --> 02:05:15.760 to know what you're facing because the other three are 2305 02:05:15.840 --> 02:05:19.520 against you on air, Sue, you don't have to say 2306 02:05:19.520 --> 02:05:23.760 too much. I'm telling you based on what you're telling me. 2307 02:05:24.279 --> 02:05:29.920 Because the Conservator and the other three speak in unison 2308 02:05:30.399 --> 02:05:34.039 and you're the odd man out. You're going to have 2309 02:05:34.199 --> 02:05:39.079 an up hill battle when you go to court. There's 2310 02:05:39.119 --> 02:05:45.479 got to be hard evidence of fraud and breach, hard evidence, 2311 02:05:46.000 --> 02:05:50.439 not your opinion. I'm not. That's all I'm telling you. 2312 02:05:50.800 --> 02:05:53.000 And here's what I'm going to tell you. I want 2313 02:05:53.239 --> 02:05:55.600 when people call me, I think I do them as 2314 02:05:55.640 --> 02:05:59.079 service by telling them the truth. It's going to cost 2315 02:05:59.119 --> 02:06:04.239 you a five thousand dollars retainer upfront, okay, with any 2316 02:06:04.359 --> 02:06:10.000 estate attorney, five thousand dollars upfront, and then you're gonna 2317 02:06:10.000 --> 02:06:15.520 have to go through the motions. My prediction is if 2318 02:06:15.560 --> 02:06:20.680 you are going to challenge the will and challenge what 2319 02:06:20.720 --> 02:06:24.479 the conservator did, you're looking at a minimum of twenty 2320 02:06:24.520 --> 02:06:27.279 five thousand dollars in legal proceedings. 2321 02:06:27.920 --> 02:06:32.319 Those right, he tried to sue my son, Okay, and 2322 02:06:32.560 --> 02:06:33.720 he lost that case. 2323 02:06:33.880 --> 02:06:38.520 Sue You may win, but I'm just trying to prepare you. 2324 02:06:38.520 --> 02:06:42.000 You're gonna have to have five thousand upfront, and it's 2325 02:06:42.000 --> 02:06:45.439 probably gonna cost you another twenty just to get to court. 2326 02:06:45.760 --> 02:06:49.720 That's twenty five thousand dollars. So what I'm hoping is 2327 02:06:49.880 --> 02:06:53.119 if you win, it's going to be worth twenty five 2328 02:06:53.239 --> 02:06:56.840 thousand to you because you will not be awarded attorneys fees. 2329 02:06:57.520 --> 02:07:01.560 I'm just telling you most likely you will not be Now, 2330 02:07:01.600 --> 02:07:06.520 if you want to call attorneys, I have suggestions for you, Okay. 2331 02:07:07.000 --> 02:07:09.520 Dan McKenzie is one of them. He was on the show. 2332 02:07:10.319 --> 02:07:12.520 And I'm going to give you the number, and Dan 2333 02:07:12.640 --> 02:07:14.680 McKenzie will do it by the hour, and he'll give 2334 02:07:14.680 --> 02:07:16.920 you an estimate, but it's going to be by the hour. 2335 02:07:17.319 --> 02:07:19.880 He's a smaller firm, he's a good guy. It's eight 2336 02:07:19.960 --> 02:07:27.840 three three COO Plans plans, Yes, co plans. P l 2337 02:07:27.920 --> 02:07:31.119 A N s that he's local, but that's his number 2338 02:07:31.119 --> 02:07:35.199 eight three three co plans. Now the other attorneys, I 2339 02:07:35.279 --> 02:07:38.520 recommend that you check with talk to both of them. 2340 02:07:38.880 --> 02:07:41.359 Here's what I like about these guys, Kiel and Park. 2341 02:07:41.720 --> 02:07:44.319 I like both of them, Killan Park and Mackenzie. But 2342 02:07:44.399 --> 02:07:47.319 with Keil and Park, they will give you a flat 2343 02:07:47.399 --> 02:07:50.760 rate up front on what this case may cost. It 2344 02:07:50.800 --> 02:07:54.760 will never go above that, it could go below it. Okay, 2345 02:07:55.000 --> 02:08:00.279 they're at nine, they're at nine seven zero eight one 2346 02:08:00.520 --> 02:08:06.319 eight eight eight. I wish you the best, but I'm 2347 02:08:06.359 --> 02:08:11.319 just saying you got a real problem here because of 2348 02:08:11.359 --> 02:08:17.000 the insurmountable and not insurmountable, the odds against you. When 2349 02:08:17.039 --> 02:08:21.000 you have the other air siding with a conservator, it's very, 2350 02:08:21.399 --> 02:08:25.520 very difficult. Go with a sure thing Denver's Best roofer 2351 02:08:25.640 --> 02:08:28.560 Excel Roofing dot com. You don't pay a cent until 2352 02:08:28.600 --> 02:08:34.439 you're content. Time for an insurance check up, free no 2353 02:08:34.560 --> 02:08:38.920 obligation comparison call Compass Insurance paying too much your coverage 2354 02:08:38.920 --> 02:08:41.520 at dozens of insurance companies find out now three O 2355 02:08:41.640 --> 02:08:44.000 three seven to seven to one help. You'll think you're 2356 02:08:44.039 --> 02:08:46.560 his only customer when you choose Frank durand the real 2357 02:08:46.640 --> 02:08:49.640 estate man dot com to list your home with Remax 2358 02:08:49.680 --> 02:08:52.760 Alliance three oh three nine two zero sixteen twenty two. 2359 02:08:59.439 --> 02:08:59.720 Time. 2360 02:09:00.000 --> 02:09:03.600 I'm Martine your shobble shooter three oh three seven to 2361 02:09:03.640 --> 02:09:06.439 one to three talks seven one three eight two five five. Bruce, 2362 02:09:07.239 --> 02:09:08.680 what's going on with you? Bruce? 2363 02:09:10.279 --> 02:09:11.399 Thanks for taking my call? 2364 02:09:11.600 --> 02:09:13.199 Tom, Yes, sir, what's happening? 2365 02:09:14.239 --> 02:09:17.800 Yeah? At my group in's apartment complex, she isn't getting mail. 2366 02:09:18.239 --> 02:09:20.319 So I went to the post office and said, what's 2367 02:09:20.359 --> 02:09:23.680 going on. I talked to the manager and she said, 2368 02:09:23.680 --> 02:09:26.760 they've been so many break ins. Did they take all 2369 02:09:26.760 --> 02:09:30.439 the mail going there? They take it in to the 2370 02:09:30.479 --> 02:09:34.520 complex management office and give it to them, And they 2371 02:09:34.560 --> 02:09:35.239 told them. 2372 02:09:35.079 --> 02:09:37.319 Wait a minute, wait a minute, so they don't deliver 2373 02:09:37.399 --> 02:09:41.359 mail anymore. They just go to the office. Correct, All 2374 02:09:41.399 --> 02:09:45.279 of the mail in the complex is delivered inside the office. 2375 02:09:45.439 --> 02:09:47.119 Correct, instead of the mailboxes. 2376 02:09:47.279 --> 02:09:48.840 And then you guys have to go in there to 2377 02:09:48.840 --> 02:09:49.439 get your mail. 2378 02:09:50.479 --> 02:09:53.840 Well, except one problem. They didn't notify anyone that that 2379 02:09:54.000 --> 02:09:57.279 was happening. And this has been going on for probably 2380 02:09:57.359 --> 02:09:58.159 three weeks. 2381 02:09:58.279 --> 02:10:00.880 Wait a minute, and wait a minute. So people thought 2382 02:10:01.319 --> 02:10:04.600 their mail just stopped coming exactly. 2383 02:10:04.880 --> 02:10:07.880 Come on, yeah, and so the. 2384 02:10:08.079 --> 02:10:11.840 Well who didn't notify him? Like, whose idea was. 2385 02:10:11.800 --> 02:10:16.159 It to drop off the mail at the management office? Yes, 2386 02:10:17.279 --> 02:10:18.399 the post office. 2387 02:10:19.199 --> 02:10:22.239 Why did the post office? Wait a minute, why would 2388 02:10:22.239 --> 02:10:23.640 the post office do that? 2389 02:10:24.880 --> 02:10:29.399 Because there's probably three and eighty units in this complex 2390 02:10:29.960 --> 02:10:32.079 and the boxes have been broken into. 2391 02:10:31.960 --> 02:10:35.119 Okay, okay, I got it, so Bruce, But when when 2392 02:10:35.119 --> 02:10:38.279 they drop off mail for three hundred and eighty units 2393 02:10:38.560 --> 02:10:40.119 do they separate them? 2394 02:10:40.760 --> 02:10:43.199 Yes, everyone has their own box for their. 2395 02:10:43.359 --> 02:10:46.199 Oh okay, so it's just they just moved the boxes inside. 2396 02:10:46.479 --> 02:10:49.800 But management never put out a memo saying your mail's 2397 02:10:49.840 --> 02:10:50.720 in here from now on. 2398 02:10:51.680 --> 02:10:52.159 Correct. 2399 02:10:52.439 --> 02:10:55.039 So when you went by your mailbox, you just saw 2400 02:10:55.039 --> 02:10:57.800 it was empty. There wasn't even there wasn't even a 2401 02:10:57.800 --> 02:11:00.479 note saying fu. I mean, you just didn't have mail. 2402 02:11:01.359 --> 02:11:01.800 Correct. 2403 02:11:02.159 --> 02:11:05.640 Come on, No one can be that stupid. All they 2404 02:11:05.640 --> 02:11:07.319 had to do was put a sign up on the 2405 02:11:07.359 --> 02:11:11.119 mailbox is saying come on into the office. 2406 02:11:11.439 --> 02:11:14.600 They didn't, And they have a daily email that goes 2407 02:11:14.640 --> 02:11:16.640 out and never notified anything. 2408 02:11:16.840 --> 02:11:20.720 I find it so shocking. Is this run by Republicans 2409 02:11:20.800 --> 02:11:25.119 or Democrats? I'm just kidding, Bruce. Listen, listen, listen, man, really, 2410 02:11:25.680 --> 02:11:27.840 so what did that do for that three weeks? 2411 02:11:29.399 --> 02:11:32.720 There's apparently a pile of mail in the management's office 2412 02:11:32.960 --> 02:11:34.359 and the biggest office. 2413 02:11:35.640 --> 02:11:38.479 Did they put up a sign after that? Have you insisted? 2414 02:11:39.000 --> 02:11:41.760 Have you insisted they put up a sign or notified people? 2415 02:11:42.600 --> 02:11:44.680 Well, this just happened yesterday. When I went to the 2416 02:11:44.680 --> 02:11:48.279 post office and said what's going on? The manager said okay. 2417 02:11:48.520 --> 02:11:51.159 They also advised them if they don't correct that within 2418 02:11:51.239 --> 02:11:54.880 a specific date, they will return any mail that goes 2419 02:11:54.920 --> 02:11:56.960 to that address return to sender. 2420 02:11:57.840 --> 02:11:59.880 What do you mean, what do they have to do? 2421 02:12:00.159 --> 02:12:00.920 I don't get you. 2422 02:12:01.920 --> 02:12:06.840 Well, because the h the mailboxes for each year isn't secured. 2423 02:12:06.880 --> 02:12:10.159 They've been broken into multiple times, so they dump all 2424 02:12:10.199 --> 02:12:11.439 the mail with the manager. 2425 02:12:11.640 --> 02:12:14.840 You told me that, and then inside they have mailboxes. 2426 02:12:15.640 --> 02:12:17.760 No, no, no, they have a pile of mail. There's 2427 02:12:17.760 --> 02:12:19.560 no mailboxes in the management. 2428 02:12:19.680 --> 02:12:22.039 You said there was, man, you said there were mailboxes 2429 02:12:22.079 --> 02:12:23.159 inside the office. 2430 02:12:23.560 --> 02:12:25.119 I did not, Tommy, Well you did. 2431 02:12:25.239 --> 02:12:28.520 You said each one has their own mailbox inside the office. 2432 02:12:28.600 --> 02:12:30.159 You said that not ten minutes ago. 2433 02:12:30.319 --> 02:12:32.960 Okay, Well you misunderstood me. There's a building that. 2434 02:12:33.319 --> 02:12:38.920 Can you play that back? Dragon? Please? You said, yeah, Yeah, 2435 02:12:39.039 --> 02:12:41.199 they separate it and everyone has their own box in 2436 02:12:41.239 --> 02:12:41.880 the office. 2437 02:12:42.359 --> 02:12:45.960 The mail people did until they could deliver into the 2438 02:12:46.000 --> 02:12:48.319 mailboxes because they're getting broken in. 2439 02:12:48.439 --> 02:12:50.319 So when they deliver I'm going to ask this one 2440 02:12:50.319 --> 02:12:54.720 more time. When they deliver to the office, it's in 2441 02:12:54.800 --> 02:12:59.680 one big pile. Correct, And so the only way people 2442 02:12:59.760 --> 02:13:02.560 can get their mail is if they went through the 2443 02:13:02.760 --> 02:13:03.600 entire pile. 2444 02:13:04.640 --> 02:13:08.880 Correct. And they've never notified anyone in the complex. 2445 02:13:08.960 --> 02:13:12.600 Okay, well, they're actually breaking the law, you know. 2446 02:13:13.600 --> 02:13:16.239 Well, I'm glad to hear that. Also, Tom I wanted 2447 02:13:16.279 --> 02:13:19.239 to add talking to the manager of the post office, 2448 02:13:19.479 --> 02:13:23.079 they notified them. If they don't correct this, they will 2449 02:13:23.239 --> 02:13:25.560 return to send her all the mail that they receive 2450 02:13:25.640 --> 02:13:28.119 for that address for that complex. 2451 02:13:28.840 --> 02:13:32.159 But so the complex has one address with a unit number, 2452 02:13:32.159 --> 02:13:34.279 and that was that's what differentiates it. 2453 02:13:35.000 --> 02:13:35.439 Correct. 2454 02:13:35.520 --> 02:13:37.800 We need to call over there right away, I swear 2455 02:13:37.840 --> 02:13:40.359 to God. We need to call this place. We need 2456 02:13:40.399 --> 02:13:44.000 to call we need to call this apartment unit and 2457 02:13:44.159 --> 02:13:46.000 this apartment house. What's the name of it. Well, I 2458 02:13:46.039 --> 02:13:47.479 don't know if I even want it on the air. 2459 02:13:47.760 --> 02:13:50.479 I want to. I want to. I really want to 2460 02:13:50.520 --> 02:13:53.119 catch them in the act. I can't are you honest 2461 02:13:53.159 --> 02:13:56.920 to God telling me that they're that stupid? First of all, 2462 02:13:56.960 --> 02:13:59.039 the post office is stupid. 2463 02:13:58.600 --> 02:14:02.119 Too well, I swear to God, Tom this is happening. 2464 02:14:03.760 --> 02:14:10.760 I find this hard to believe, almost impossible to believe. Okay, okay, 2465 02:14:10.800 --> 02:14:14.399 here's what I want you to do, Bruce Kaschina. Get 2466 02:14:14.439 --> 02:14:16.720 the name of this apartment house off the air with 2467 02:14:16.840 --> 02:14:20.079 the address. Get Bruce's phone number. We need to look 2468 02:14:20.119 --> 02:14:23.680 into this. We need to look into this damn thing. 2469 02:14:23.880 --> 02:14:25.560 I even want to get video of the mail. I 2470 02:14:25.600 --> 02:14:27.119 want to see what the hell there's gonna be. 2471 02:14:27.039 --> 02:14:29.319 Like fores of mail stacked up. 2472 02:14:29.399 --> 02:14:32.800 It's been three weeks weeks in a freaking post of 2473 02:14:32.960 --> 02:14:36.760 This is a major travesty, man, I'm serious. How many 2474 02:14:36.920 --> 02:14:43.199 units come on, Bruce? They're they're dropping off three hundred 2475 02:14:43.199 --> 02:14:47.279 and eighty units of mail in one office in a pile. 2476 02:14:48.199 --> 02:14:51.399 That's what the manager of the post office for that 2477 02:14:51.600 --> 02:14:52.439 zip code told me. 2478 02:14:52.840 --> 02:14:54.119 Okay, but you didn't see it. 2479 02:14:56.520 --> 02:14:58.079 Yeah, I get a post I want to go. 2480 02:14:59.279 --> 02:15:01.680 Hold on, Bruce, hang on, I mean you, I don't 2481 02:15:01.680 --> 02:15:04.520 think this guy's making up a story. I want you 2482 02:15:04.600 --> 02:15:07.880 to give a Kachina the name and address. I chuse me. 2483 02:15:08.079 --> 02:15:11.520 The address of the of this apartment complex. Okay, in 2484 02:15:11.560 --> 02:15:14.760 the office. Then you give me your name and address 2485 02:15:14.760 --> 02:15:16.279 and phone number. I want to talk to you off 2486 02:15:16.319 --> 02:15:19.920 the air. I'm Tom Martino. Go with a sure thing 2487 02:15:20.039 --> 02:15:23.359 Denver's best roofer Excel Roofing dot com. You don't pay 2488 02:15:23.359 --> 02:15:29.439 a cent until you're content. Time for an insurance check 2489 02:15:29.560 --> 02:15:33.399 up free, no obligation. In comparison, call Compass Insurance paying 2490 02:15:33.439 --> 02:15:36.479 too much your coverage at dozens of insurance companies find 2491 02:15:36.479 --> 02:15:38.840 out now three o three seven to seven to one. Help. 2492 02:15:39.000 --> 02:15:41.640 You'll think you're his only customer when you choose Frank 2493 02:15:41.720 --> 02:15:44.159 durand the real estate Man dot com to list your 2494 02:15:44.199 --> 02:15:47.359 home with Remax Alliance three oh three nine two zero 2495 02:15:47.439 --> 02:15:57.159 sixteen twenty two. Hi Tom Martino, you're a troubleshooter. Did 2496 02:15:57.199 --> 02:16:02.199 you believe that story? I mean, I'm gonna check it out. 2497 02:16:02.239 --> 02:16:06.319 Three hundred eighty units, Now, if each gets a few 2498 02:16:06.359 --> 02:16:08.079 pieces of mail, let's just do the math. 2499 02:16:08.119 --> 02:16:11.359 Okay, they gotta have fifty sixty boxes of mail minimum. 2500 02:16:11.359 --> 02:16:14.720 So did you do the mathough like three hundred eighty 2501 02:16:14.800 --> 02:16:16.640 Let's just say three to eighty with an average of 2502 02:16:16.680 --> 02:16:21.920 three pieces. Sure, three pieces, so eleven hundred and forty 2503 02:16:22.119 --> 02:16:25.720 or okay, one thousand pieces a day times how many weeks? 2504 02:16:26.039 --> 02:16:33.840 Three eighteen days, six days, six days, eighteen sixteen, eighteen 2505 02:16:33.879 --> 02:16:35.079 thousand pieces of mail. 2506 02:16:36.200 --> 02:16:40.440 Just sitting somewhere unsorted, ye, waiting for people. What if 2507 02:16:40.479 --> 02:16:44.079 you have checks coming, you have bills? Do I mean? 2508 02:16:44.280 --> 02:16:47.200 I almost, by the way me personally, I almost don't 2509 02:16:47.200 --> 02:16:50.040 get any mail. I mean I don't get bills and 2510 02:16:50.079 --> 02:16:57.200 I don't get checks. I mean everything's online. What I 2511 02:16:57.280 --> 02:16:59.440 get the junk mail? Yeah, but that I don't care 2512 02:16:59.479 --> 02:17:00.680 about him by the trash. 2513 02:17:00.680 --> 02:17:01.399 Can you read it? 2514 02:17:01.479 --> 02:17:03.440 Yeah, that's exactly what I do. I go to the 2515 02:17:03.600 --> 02:17:09.159 recycle bin with it. No, obviously, Yeah, you're right. But 2516 02:17:09.280 --> 02:17:12.200 I'm wondering, though, if people depend on mail still for 2517 02:17:12.319 --> 02:17:15.879 like their Social Security check or any other kind of check, 2518 02:17:16.000 --> 02:17:18.200 or if they have bills that come through the mail. 2519 02:17:18.440 --> 02:17:20.200 Do you guys have bills? Do you still get bills 2520 02:17:20.239 --> 02:17:23.319 to the mail? Jeff, No, no bills, Rodney? Do you 2521 02:17:23.360 --> 02:17:24.760 a little bit? 2522 02:17:25.520 --> 02:17:28.000 But you still have your doc? 2523 02:17:28.719 --> 02:17:31.840 Do you write checks and pay your bills? Do you 2524 02:17:31.879 --> 02:17:32.879 actually write. 2525 02:17:32.959 --> 02:17:36.840 I sit down every time, every tenth of the month 2526 02:17:37.120 --> 02:17:38.600 and write out checks to everybody. 2527 02:17:38.719 --> 02:17:42.239 Get off my yard. I want to know where my 2528 02:17:42.319 --> 02:17:47.000 money goes. Get off my yard. Little what he writes 2529 02:17:47.040 --> 02:17:50.399 out his bills? Oh my god, did you know that 2530 02:17:50.479 --> 02:17:52.000 they got like electronic ways. 2531 02:17:52.200 --> 02:17:52.840 I didn't know that. 2532 02:17:53.040 --> 02:17:55.280 Can you use your computer for that? I go on line. 2533 02:17:55.319 --> 02:17:57.319 I don't even see the bills anymore. But that's that's 2534 02:17:57.319 --> 02:18:00.159 a problem too sometimes because I want to see a train. 2535 02:18:00.040 --> 02:18:02.440 Into one way or the other, and uh, I use 2536 02:18:02.479 --> 02:18:03.840 my apogus and I'm fine. 2537 02:18:04.440 --> 02:18:09.280 Kevincal can share at an autotech dot com, jeffvic Transmissions 2538 02:18:09.360 --> 02:18:12.600 Denver dot com, Jeffarcars dot com. Ask for Rod Greer. 2539 02:18:13.079 --> 02:18:15.319 He's a great guy. We got all kinds of stuff happening, 2540 02:18:15.319 --> 02:18:17.120 but we're out of time. So remember, if you call 2541 02:18:17.159 --> 02:18:21.520 three oh three Martino, you'll get help. Really, just leave 2542 02:18:21.559 --> 02:18:23.559 your name and number three O three six two seven 2543 02:18:23.600 --> 02:18:26.079 eight four sixty six. Save all your problems for me.