Speaker 1: Ripped.
Speaker 2: You need advice, so you don't have.
Speaker 3: Come running Just as fast as we can.
Speaker 4: Shooter's gonna help come man.
Speaker 5: Dix is the Troubleshooter Show.
Speaker 6: Now, Tom Martine, Hello, Tom Martino here, welcome to the show.
Speaker 6: Three O three seven one three talk seven one three
Speaker 6: eight two five five. Here to help you anyway we can.
Speaker 6: All you have to do is give us a call
Speaker 6: at three oh three seven one three talks seven one
Speaker 6: three eight two five five. Remember we are here to
Speaker 6: help you, and that's what we do. Today is car day,
Speaker 6: and do we have our car gens up? I don't
Speaker 6: have the the studio pick up yet, but we will
Speaker 6: get it up there soon. I take it, working on it,
Speaker 6: Mark major, Mark, We got a common one in today.
Speaker 2: Tell me that hasn't been a while.
Speaker 6: Chandra courtavon though, Hi Chandra, okay, Hi Tom, Well you
Speaker 6: gotta turn your mic on.
Speaker 7: Chandra.
Speaker 8: Well, I'm a novice.
Speaker 6: Hello, Well you're a common woman. You come to bask
Speaker 6: in our glory.
Speaker 2: I hate it.
Speaker 8: I'm basking right now.
Speaker 6: Oh he's basking in Doc's glory. Yeah, his hair, His
Speaker 6: Doc's a stick. Keep Doc away from her.
Speaker 9: First Doc says, his eye have never dyed my hair.
Speaker 9: That's what they talked about.
Speaker 2: Can you believe it? So, Sandra, what brings you to
Speaker 2: the show? Well, I've been listening to.
Speaker 8: For about thirty years and I just kind of wanted
Speaker 8: to see what was going on, you know, like see
Speaker 8: what everybody looked like.
Speaker 2: And that's so cool. Sorry, I didn't make it in
Speaker 2: there for you, because come in.
Speaker 10: Yeah, take one.
Speaker 11: Look at walk and try to turn around and go away.
Speaker 8: Well, you know, hey, he's nice.
Speaker 6: Chandra, that's really nice. And Chandra or Chandra Chandra? Okay, Chandra,
Speaker 6: So Chandra, how long you've been.
Speaker 8: In dew We moved here in the seventies, Okay, I
Speaker 8: don't have native status.
Speaker 6: Well you saw a lot of changes. You saw a
Speaker 6: lot of changes in Denver.
Speaker 8: Well you aren't kidding.
Speaker 2: Yeah, where'd you come from?
Speaker 8: I was born in New York Western so not a
Speaker 8: city girl, and then lived in Illinois and New Jersey
Speaker 8: and then came here after a divorce my parents, not mine.
Speaker 2: All right, Well, welcome to the show.
Speaker 6: Feel free to chime in with your opinion on things.
Speaker 10: We have.
Speaker 6: Kevin Colkin with us from Sheridan Auto Tech. Hey, keV,
Speaker 6: what's new in the auto biz?
Speaker 12: Oh, same old, same old time. Yeah, still still fighting
Speaker 12: some parts, but you know it's getting better every week,
Speaker 12: every month.
Speaker 6: So I just went through fourteen dollars in body work
Speaker 6: two months.
Speaker 12: Yep, two months. That's not bad for two months. I
Speaker 12: mean that's down from probably six months a year.
Speaker 2: You know why it's year.
Speaker 10: You probably you bought your own parts ahead.
Speaker 2: I bought the parts ahead of time from them smart.
Speaker 6: Then they called me when the parts were and they're
Speaker 6: really nice people, but and and you know so, but
Speaker 6: but then then everything has to be calibery. You had
Speaker 6: to make a long story short. There was a short
Speaker 6: from rabbits after the accident. After they repaired it, it
Speaker 6: sat on their lots so long rabbits got into it
Speaker 6: and so they had so when we drove it away,
Speaker 6: there were part problems and then they found it was
Speaker 6: chewed wires. They said we had a dead battery. Now
Speaker 6: I did check the battery. It was four years old.
Speaker 6: After they fixed the bad wires, it worked fine. They
Speaker 6: said to get a new better So I bought a
Speaker 6: new battery. Anywhare four years old? I figure on a
Speaker 6: factory battery, right, yeah, so I bought one.
Speaker 2: I mean, I don't know if I really.
Speaker 6: Needed it because after they fixed the wires, that worked great.
Speaker 6: But since I had already purchased it, I didn't want
Speaker 6: to take it back. I just put it in and
Speaker 6: everything's working great. So anyway, welcome to the show, keV.
Speaker 6: And what if we had to pick something that's hard
Speaker 6: to get, what would it be?
Speaker 2: Right now?
Speaker 12: For auto maintenance and mainly older cars, you know, the
Speaker 12: the fifteen to twenty year old car. It's we're on
Speaker 12: a line searching for stuff a lot. You know, some
Speaker 12: of the electronic parts they just stopped making them.
Speaker 2: Okay, and I run a mind people we can.
Speaker 6: We had jam lines every single day, every single day
Speaker 6: except one, and now today it's starting out slowly. But Kachina,
Speaker 6: we ended the show with many people that wanted to talk.
Speaker 2: We can get them back on.
Speaker 6: I don't know if you if they're we're going to
Speaker 6: get them back on, but I certainly promised I would
Speaker 6: take them first up and our number three oh three
Speaker 6: seven to one three talk when we're in the studio.
Speaker 6: But three oh three Martino works all the time. Three
Speaker 6: oh three six two seven eight four six six and
Speaker 6: that works all the time.
Speaker 2: Hey, have you been.
Speaker 9: Watching it all this Lincoln Riley trial that started today.
Speaker 9: It is absolutely the saddest thing I've ever seen. Explain it, Mark, Well,
Speaker 9: it's horrible. She was out for a jog. She was
Speaker 9: running seven miles per hour. And the reason I say
Speaker 9: that it's interesting she had a garment watch on that
Speaker 9: actually helped find her dead body. And it was actually
Speaker 9: ticking away, you know when you exercise your heart rates up.
Speaker 9: The watch knew the minute she died, the minute she
Speaker 9: got knocked out. It's so funny thinking of the technology
Speaker 9: we have right now helped find this illegal immigrant that
Speaker 9: literally murdered this poor college girl. And the trials absolutely crazy.
Speaker 9: And I hope they hang the bastard.
Speaker 2: Wow, Wow, Mark.
Speaker 6: Why need I tell you how I really think that.
Speaker 6: I mean, I think a lot of people feel this way.
Speaker 6: But whether illegal or not, I mean, the guy's a murderer.
Speaker 6: A murderer, do.
Speaker 9: You think, Yeah, But he's invisible here. That's why I
Speaker 9: bring that up. You know, he's invisible. That's the problem
Speaker 9: with these people here. We have no idea where they're from,
Speaker 9: who they are, what they've done in the past, were
Speaker 9: they in prison right before they came here. I mean,
Speaker 9: I realize things are going to change now. But we
Speaker 9: have a big problem right now, and this case brings
Speaker 9: it back up. This guy was actually picked up by
Speaker 9: the cops two times before, because I believe it was
Speaker 9: the sanctuary City Atlanta where he got in trouble. It
Speaker 9: might have been another one. I'm not sure, but the
Speaker 9: bottom line was they didn't turn him over for deportation
Speaker 9: to Ice, and this woman ended up dead and her
Speaker 9: family changed forever.
Speaker 11: Yeah, it's said, well, that's why this has become the
Speaker 11: post a child, or he's become post a child for deportation.
Speaker 6: Now, listen, did common Woman not want to be seen
Speaker 6: on camera for our stream?
Speaker 13: Tommy?
Speaker 2: No, I just wondered if he purposely shut her out? Now,
Speaker 2: don't I don't set it up. Kelly sets it up.
Speaker 6: Kelly's got an eye like nevermind. Now I got to
Speaker 6: change all my ads again because she just I heard that.
Speaker 6: Oh I love you, Kelly, You're fine now let me now,
Speaker 6: I'll change it. I still don't see common Woman. Okay,
Speaker 6: it doesn't have her sit never mind, Susan, it doesn't
Speaker 6: matter anyway.
Speaker 2: Welcome to the show. And I want to go to.
Speaker 6: The phones, and we don't have phones right now, So
Speaker 6: Here's what we do have, though. I have plenty of
Speaker 6: texts and I want to get to them. So some
Speaker 6: of them were left over from yesterday. Does anyone they
Speaker 6: want to know having it? But this is a consumer Oh,
Speaker 6: I do have calls. Let me go to those. But
Speaker 6: we do have some texts. Get ready for this one.
Speaker 6: They want to know what we think about Kennedy being
Speaker 6: love Jay. But real quick, did you see the email
Speaker 6: from Anna yesterday? I don't want to talk about it,
Speaker 6: but did you see it? The one that said she
Speaker 6: was being attacked?
Speaker 10: No?
Speaker 2: No, this one's even better. No, no, I would you
Speaker 2: send that to me? I didn't see it. Wait, Hey,
Speaker 2: she's honest.
Speaker 6: I'll give her that, Bill, you have it in your inbox. Okay,
Speaker 6: thank you, Bill. This is a follow up from yesterday.
Speaker 6: So now let me let me get right to it.
Speaker 6: You said you bought a home and the covenants are
Speaker 6: being unfairly enforced.
Speaker 2: Is that it? In a nutshell?
Speaker 7: Bill? I apologize, okay for what?
Speaker 14: No, it's not. It's you know, like so covenants. That's
Speaker 14: just one example. I just feel that the developer is
Speaker 14: taken advantage of the metro district. He created two metro
Speaker 14: districts for the community. Yeah, and I feel that he's
Speaker 14: taken advantage.
Speaker 6: Can you give me an idea of how, because when
Speaker 6: when a developer forms a metro district, And for those listening,
Speaker 6: a metro district is a municipality that has taxing authority
Speaker 6: for those who live in the district, it's got to
Speaker 6: be approved. But it's not your candy store you have
Speaker 6: no control over. So tell me how a developer is
Speaker 6: taking advantage of it?
Speaker 14: Well, and that's the piece that and again a lot
Speaker 14: of it. I just want to make sure that I get.
Speaker 2: Well, you called in. This is pretty this, this is
Speaker 2: pretty good. So I need to know.
Speaker 9: Hey, Timer is recap it real quick. I don't even
Speaker 9: remember something about his landscaping.
Speaker 2: No, no, Well, bottom line is this Okay. Either Bill
Speaker 2: has a personal.
Speaker 6: Problem and he's pissed off and now he's bringing up
Speaker 6: what I call universal problems or there are universal problems
Speaker 6: and it just so happens to be affecting him.
Speaker 2: But whatever it is, I need to know what they are.
Speaker 6: He says he lives in a Franktown subdivision, and he
Speaker 6: says the developer is taking advantage of two metro districts.
Speaker 2: Okay, we got that. Now give us specifics.
Speaker 3: Okay.
Speaker 14: For example, budget the metro District one comes up with
Speaker 14: fees that are going to be charged to the homeowners.
Speaker 10: Right.
Speaker 14: District two is represented by residents and they're basically the
Speaker 14: ones that are writing the check for that budget, the
Speaker 14: budget that he has given. And again I don't are
Speaker 14: the districts?
Speaker 2: May I ask a few questions? Bill? Are these metro
Speaker 2: districts over lapping?
Speaker 7: They are there?
Speaker 14: One is the one that run by the developer and
Speaker 14: he comes up with fees.
Speaker 6: Bill, what is number? What is district number? What is district.
Speaker 2: Number one for? What is it for? What was its
Speaker 2: stated purpose?
Speaker 14: It's the one that runs that that runs the operations?
Speaker 2: What is that? Makes no sense?
Speaker 6: Okay, there are no metro districts that run operations. So
Speaker 6: you have is it a water system, a sewer system?
Speaker 6: Is it parks?
Speaker 2: Is it? What?
Speaker 6: What is the stated purpose? What's the name of the district?
Speaker 14: Fox Hill Metro District one?
Speaker 6: Okay, so Fox Hill Metro District one, what is its
Speaker 6: stated purpose? Mark you you want to look at or
Speaker 6: Dmitry maybe you can Fox Hill Metro District one. Okay,
Speaker 6: go ahead, I'm listening, sir, go ahead. What what is
Speaker 6: it stated purpose?
Speaker 14: And again I don't have all the information. But they
Speaker 14: run the water system.
Speaker 2: Okay, there you go. Now okay, is it water in
Speaker 2: sewer or just fresh water?
Speaker 14: Just fresh water?
Speaker 2: Okay?
Speaker 14: Now they also you know, they're the ones that built
Speaker 14: the roads. Is the developer built the roads?
Speaker 2: Well that no? Hold on?
Speaker 9: So fox Shiel one is mostly water and it looks
Speaker 9: like landscaping.
Speaker 2: Okay, it does it say that? Mark?
Speaker 9: Well, it's got landscaping guidelines and then water information and
Speaker 9: then you know, hold on.
Speaker 6: The reason it has landscaping landscaping requirements is because they're
Speaker 6: because they're supplying water. But it's a water district. Okay,
Speaker 6: that's what I'm getting at. So so it's not unusual
Speaker 6: to have a water district charge fees. Now I want
Speaker 6: to get to specifics. How is the developer taking advantage
Speaker 6: of this?
Speaker 14: It's all murky, like the reports that he's supposed to
Speaker 14: be giving to the county, to the metro district too,
Speaker 14: which are the residents. And there's not enough information.
Speaker 6: How much what fees are you paying for the water system?
Speaker 14: And again it's not just the water.
Speaker 9: System, no, it's definitely tom it's definitely not. I'm going
Speaker 9: to send you this PDF from five sales. They actually
Speaker 9: are over the architectural design of the landscaping.
Speaker 2: I mean they're over the landscaping.
Speaker 6: I know they are because they supply water, so they
Speaker 6: dictate what landscaping you can have.
Speaker 2: That's not unusual.
Speaker 6: I understand that. I totally understand it. So send it
Speaker 6: to me, Mark.
Speaker 2: Thanks.
Speaker 9: So they even go into design elements of the house fireplaces, windows, trim, roofing.
Speaker 2: Well, that's weird. Now, that's totally weird.
Speaker 6: So I've never heard of a metro district enforcing covenants.
Speaker 14: It's a municipality idea, you were saying.
Speaker 6: But municipal districts normally do not do not get into
Speaker 6: the covenants.
Speaker 2: That's usually a subdivision thing.
Speaker 9: I want to we need to take a break. I
Speaker 9: just sent you the document. Look at it.
Speaker 6: What about really quick? Here Fox Hill metro District number two.
Speaker 2: What are they I'll look it up. Okay, thank you.
Speaker 14: Okay, they're the ones that they're basically the residents and
Speaker 14: they're the ones that write the checks.
Speaker 2: Okay, well, okay, that makes no sense either. Bill.
Speaker 6: You don't form a metro district made up of residents.
Speaker 2: To write checks.
Speaker 6: See I fear Bill doesn't, and Bill, I mean this
Speaker 6: in the nicest possible way.
Speaker 2: You have no idea what you're talking about. Now. You
Speaker 2: might feel you're being taken advantage of, and.
Speaker 6: Maybe you are, and maybe this is a sham, but
Speaker 6: you have no idea what you're talking about. If you
Speaker 6: want us to look into this, we'll look into it.
Speaker 6: But right now, all you're saying is there are two
Speaker 6: metro districts and the developers taking advantage of us. MM, well,
Speaker 6: you have no specifics whatsoever. I'm gonna come back and
Speaker 6: we'll get more. I'm Tom Martino. Go with a sure
Speaker 6: thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up, free, no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three oh
Speaker 6: three nine two zero sixteen twenty two. Hi, I'm Tom
Speaker 6: Martino you're troubleshooter three O three seven one three talk
Speaker 6: three oh three seven one three eight two five five. Okay,
Speaker 6: we're going to uh go to the phones and continue this.
Speaker 10: Okay.
Speaker 6: Bottom line is this okay, bill says these metro districts
Speaker 6: are not being run correctly.
Speaker 10: Okay.
Speaker 6: So I don't know what specifically you're talking about, and
Speaker 6: I don't know what This is the first time I
Speaker 6: ever heard of covenants being controlled by a metro district.
Speaker 2: But that's okay.
Speaker 6: I mean, and they control water that's common and metro
Speaker 6: district too. I can find no information on did anyone
Speaker 6: find metro district number two?
Speaker 2: But you see in the same kind of document, which
Speaker 2: is even a.
Speaker 15: Stranger Okay, it's one hundred and eighteen page document for
Speaker 15: both number one and number two.
Speaker 2: Does it specify what number two is? Guys, I haven't
Speaker 2: gotten that far.
Speaker 9: I mean it really no, it's weird, it's all combined
Speaker 9: into one.
Speaker 2: Okay. Well, whatever it is is this.
Speaker 6: Metro districts are controlled by the people. They They usually
Speaker 6: have boards and they have assist there there there are
Speaker 6: certain standards they must adhere to, and you can complain
Speaker 6: to the state about it. I mean it is a municipality. Okay, so.
Speaker 14: What office can I complain?
Speaker 2: That's what I'm going to find out right now, thank you.
Speaker 6: Uh. I'm going to find out right now because I'm
Speaker 6: just searching it. Because metro districts, like I said, they
Speaker 6: are literally governments, so they don't just get to run
Speaker 6: away and violate rights. But I have a feeling if
Speaker 6: you're upset about fees, everyone's upset about fees all metro districts.
Speaker 2: Okay, everyone, Now do they have a board?
Speaker 1: They do?
Speaker 14: I mean what's run by both boards at one point?
Speaker 14: Or ran by the developer?
Speaker 6: If okay, how much of the subdivision is sold?
Speaker 14: Approximately seventy five Okay, now it's going to be turning over.
Speaker 6: But here's what I want to know. When you say
Speaker 6: run by the developer, what do you mean.
Speaker 14: There is a board and is ran by the developer?
Speaker 6: What does that mean? How many members are on the board.
Speaker 14: There's Metro District one five members.
Speaker 2: So here's what I want to know.
Speaker 6: One of the members is that one of the members
Speaker 6: is the developers?
Speaker 2: That right, right?
Speaker 6: Then how can he run the board if he's one member?
Speaker 7: The other one is his wife?
Speaker 2: Yeah?
Speaker 14: Okay, members his daughter? Oh fourth member I believe is
Speaker 14: an employee. I don't okay, Okay, I don't know about
Speaker 14: the fifth member.
Speaker 6: Okay, Well, then that that sounds like a control to me.
Speaker 6: Here's what I just want to tell you. There's an
Speaker 6: office called dot com Colorado Department of Local Affairs DOLA.
Speaker 2: Okay, perfect.
Speaker 6: Now, according to DOLA, metro districts must file annual budgets, audits,
Speaker 6: and other documents. It must be available to the public. Also,
Speaker 6: the counties usually oversee metro districts within their county and
Speaker 6: they can review this stuff, is right now, resident voting rights.
Speaker 6: Metro districts must have a board elected by members, So
Speaker 6: I don't know how they got elected or if there were,
Speaker 6: you know, and so you have to really look into it.
Speaker 2: Okay.
Speaker 6: Now, there's also something called the Special District Association of Colorado.
Speaker 6: By the way, I'm looking all this up like anyone can,
Speaker 6: and it doesn't control them, but it offers.
Speaker 2: Guidance and training and all of that. Okay.
Speaker 6: And and then here's another one. Are you writing this down?
Speaker 6: Oh yeah, okay, Colorado Revised Statutes under Title thirty two.
Speaker 6: All that that entire that entire area of Title thirty
Speaker 6: two deals with special districts. Okay, okay, and it sets
Speaker 6: all the requirements, so you sound pretty thorough. If you
Speaker 6: want to go through the the CRS title thirty two,
Speaker 6: you can read about what they're supposed to do and really,
Speaker 6: you know, maybe this guy is doing stuff thinking he
Speaker 6: can get away with it. When what Okay, when I
Speaker 6: was developing subdivisions, we use the covenants and local controls
Speaker 6: by board members of covenants and hoa's.
Speaker 2: Uh, But metro districts were only for.
Speaker 6: The actual utilities, fire protection stuff like that.
Speaker 2: We we did not have them all. It just sounds
Speaker 2: weird to me. Now, I want to know you can listen.
Speaker 6: I know you don't have a lot of time, but
Speaker 6: I want Katschina to try to get on for us
Speaker 6: if she can. I would like to get the guy
Speaker 6: Hoa Stan, the Hoa Man. I'd like to see if
Speaker 6: Stan the Hoa Man knows anything about these this new
Speaker 6: move to put stuff into metro districts, because it seems
Speaker 6: really really weird to me. So hang on if you want,
Speaker 6: or just listen and we'll explore that further. Meanwhile, I
Speaker 6: want to talk to Christy. She has an apartment with Mold.
Speaker 6: She says Christy. Welcome.
Speaker 2: What's going on?
Speaker 16: Christy?
Speaker 2: Hi, Christy, what's happening?
Speaker 7: So?
Speaker 17: I discovered mold in my apartment back in June of
Speaker 17: this year.
Speaker 6: And I okay, and where did you find the mold?
Speaker 6: Where did you find the mold?
Speaker 13: So I was.
Speaker 18: Spring cleaning and I found the mold in between a
Speaker 18: pantry in the bathroom.
Speaker 1: There's a little.
Speaker 19: Crack, and that's where I found it.
Speaker 2: Okay, okay, so keep going.
Speaker 17: So then I called the landlord and I told him
Speaker 17: right away, but he was scheduled to come and get
Speaker 17: That was on the twenty sixth of June, the phone call,
Speaker 17: and then he was scheduled to pick up my rent
Speaker 17: on July third.
Speaker 20: That's when I wrote a letter.
Speaker 17: Concerning all the issues in the apartment and the mold.
Speaker 18: I gave it to him, I signed it, and then
Speaker 18: he came.
Speaker 19: Back the following month. He never did anything about it.
Speaker 20: He came back the following month.
Speaker 6: Well, hold on, when you say the following month. You
Speaker 6: notified him in June and he came back in July.
Speaker 17: Oh no, I gave them an actual formal letter in July.
Speaker 6: Okay, hold on, Christy, and I'll come right back to you. Okay,
Speaker 6: you wrote a letter. What did you say in the letter?
Speaker 21: I recently discovered mold by.
Speaker 18: The pantry in between the pantry and.
Speaker 13: The bathroom.
Speaker 18: And asked him if he would take care of it
Speaker 18: because there was some previous there was a sewage.
Speaker 22: Spill, and then there was also.
Speaker 18: A some water damage in the kitchen that he never
Speaker 18: had remediated.
Speaker 6: All right, hang on, I'm Tom Martinez. We'll come back
Speaker 6: to this and more. Three three seven one three talk
Speaker 6: seven one three eight two five five Frankedran the real
Speaker 6: estate man.
Speaker 2: We'll do an evaluation of your home to.
Speaker 6: See what it's worth, what it will sell for, what
Speaker 6: you'll net, even what you can buy is all free
Speaker 6: of charge and complimentary. That's three oh three nine two
Speaker 6: zero sixteen twenty two Frank durand the real Estateman dot com.
Speaker 6: Go with a sure thing Denver's best rufer excel roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance checkup free, no obligation. In comparison,
Speaker 6: call Compass insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: seven to one.
Speaker 2: Help you'll think you're his only customer.
Speaker 6: When you choose Frank durand the real Estateman dot Com
Speaker 6: to list your home with Remax Alliance three oh three
Speaker 6: nine two zero sixteen twenty two. Hey, Tom Martino here
Speaker 6: three O three seven one three talks seven one three
Speaker 6: eight two five five. Christy said that she notified her
Speaker 6: landlord there was some mold. By the way, mold is
Speaker 6: something to be concerned about. Most of the time, it's
Speaker 6: not toxic or deadly. Some people have sensitivities to it,
Speaker 6: and it's easily cleaned most of the time and removed
Speaker 6: with some clarox.
Speaker 2: But you got to stop the reason it was there.
Speaker 6: If you still have water feeding it and it's still
Speaker 6: dark and nasty, you'll still get mold. But if you
Speaker 6: remove the food source, which is water, it will go away.
Speaker 6: If you take the clarox or some kind of kills
Speaker 6: and kill it. Christy told her landlord in June, hey,
Speaker 6: or in July, she wrote a letter. So then what
Speaker 6: happened after that? Christy?
Speaker 18: Okay, so he took the letter. I have I have
Speaker 18: videotaped all of my interactions with him. So in that
Speaker 18: on that gage, why third, he says, I'll be back
Speaker 18: in a few days to try to take care of
Speaker 18: the mold if I can.
Speaker 6: Okay, So where does it stand right now? What are
Speaker 6: you calling about today? Because we got we have right
Speaker 6: now on all of July, August, September, October, and half
Speaker 6: of November. This is four and a half months later.
Speaker 6: What's going on? Did he ever take care of it?
Speaker 18: He didn't take care of it right away?
Speaker 14: He came.
Speaker 2: When did he take When did he take care of it? Christy?
Speaker 20: Okay?
Speaker 18: So he had a remediation team remove it on September
Speaker 18: twenty fourth, of which they were done on the twenty sixth,
Speaker 18: But they found.
Speaker 19: New mold okay, in the bathroom.
Speaker 2: Okay. And what did they do with the new mold?
Speaker 3: Nothing?
Speaker 2: Okay?
Speaker 6: So they removed that mold but found new mold. Did
Speaker 6: they tell you that?
Speaker 20: The remediation team told me. They did tell him.
Speaker 6: That, yes, okay. So now where does it stand.
Speaker 18: He's trying to use a constructive eviction on me because
Speaker 18: I called the city.
Speaker 2: Well that's okay.
Speaker 6: I mean, you don't want to live there if there's
Speaker 6: if there's mold, so he's going to let you out
Speaker 6: of the least he's going to let you out of
Speaker 6: the lease.
Speaker 20: Right, well as it stands.
Speaker 6: Yes, may I ask another question? I just I really
Speaker 6: need to ask this. Did you withhold any rent?
Speaker 13: Well?
Speaker 20: That was what I was going to do.
Speaker 13: That's a yes or that.
Speaker 2: Yeah, that's a yes or no? Did you withhold rent?
Speaker 19: No?
Speaker 3: I did not.
Speaker 6: Good excellent, because if you did, they can get.
Speaker 2: Rid of you for that.
Speaker 6: You're not allowed to withhold rent unless you specifically use
Speaker 6: the money for There's a whole litany of what you
Speaker 6: have to do first. Then when you withhold the rent,
Speaker 6: you have to use it to make the repairs. So
Speaker 6: you didn't withhold rent, so it doesn't get complicated. So
Speaker 6: what do you mean then, if you didn't withhold the
Speaker 6: rent and you're simply wanting him to fix it, what
Speaker 6: do you mean he used constructive eviction? Constructive eviction is
Speaker 6: something a tenant uses on themselves. So how did he
Speaker 6: use constructive eviction? What do you mean?
Speaker 18: Well, he refused to take my rent and give me
Speaker 18: a new lease?
Speaker 2: Oh, hold on, when was your lease up?
Speaker 19: I have a month to month with him?
Speaker 2: Oh so refuse to give you a new lease? Well
Speaker 2: you never had ogative?
Speaker 6: Well she never had a lease, So what do you
Speaker 6: mean he refused to give you a new lease.
Speaker 2: What does that mean?
Speaker 18: Well, he increased my rent after I gave him the letter.
Speaker 20: About the mold.
Speaker 6: Okay, he's allowed on a month's to month to increase
Speaker 6: your rent with a certain notice. He has to give
Speaker 6: you a certain notice. But what I mean is how
Speaker 6: I don't This is what I don't understand. He refused
Speaker 6: to take your rent but raised your rent. Well, that
Speaker 6: doesn't make sense to me. What does that mean? So
Speaker 6: he's saying I'm raising your rent, but I don't want
Speaker 6: you to pay me. Yes, okay, So he let me
Speaker 6: get this straight, so, Christy, So then what difference does
Speaker 6: it make if he raised your rent if he won't
Speaker 6: take your rent?
Speaker 18: Well, I asked for a new lease as he raised
Speaker 18: my rent, but he refused.
Speaker 2: But you never had a lease, So I don't understand
Speaker 2: a new leaf. So you asked her out.
Speaker 6: You hold on, Christy, you want a lease period right
Speaker 6: because you never had one? Is that so you wanted
Speaker 6: to kind of protect yourself, right?
Speaker 18: Well I did, but it ended after the six months
Speaker 18: was up, and then it goes.
Speaker 20: To months to month.
Speaker 6: Okay, now I understand, okay, okay, okay, under the old lie.
Speaker 6: How much notice did he have to give you on
Speaker 6: a month to month? Was there a sixty day notice
Speaker 6: or a thirty day notice or anything like that in
Speaker 6: that lease.
Speaker 1: On?
Speaker 18: No, it just came to the six months expired. That's
Speaker 18: when it goes to month's month.
Speaker 2: I understand that.
Speaker 6: But if the previous rent, if the previous thing had
Speaker 6: some notice requirements, they would be still effective. On what
Speaker 6: he has to do to give you notice. I'm not
Speaker 6: sure how much notice he had to give you to
Speaker 6: raise the rent. We're going to ask our real estate attorney.
Speaker 6: But he was Did he ever give you notice or
Speaker 6: did he just spring it on you when you went
Speaker 6: to pay rent?
Speaker 18: He did a month after I told him about the mold?
Speaker 2: Okay, so hold on.
Speaker 6: Then in August he gave you notice he was raising
Speaker 6: the rent.
Speaker 2: Correct, When did he say the rent would be raised?
Speaker 20: I'm sorry?
Speaker 18: When did he think the rent would be raised?
Speaker 6: Yeah, he told you in August, so he said, hey, Christy,
Speaker 6: I am going to raise your rent. When in September
Speaker 6: it sounds like he covered his base. It's thirty days
Speaker 6: he did, Christy. The bad news is this, he gave
Speaker 6: you notice and he raised your rent and he was
Speaker 6: allowed to do that, and I think Mark was correct
Speaker 6: when he said he probably figures, you know what, I'm
Speaker 6: not going to chase Mold. I'm not going to do this.
Speaker 6: I don't want her there. Hey, one other question.
Speaker 9: He never raised your rent before, right, because you were
Speaker 9: in a six month lease. Were you there prior to
Speaker 9: that six months or no?
Speaker 20: Yes, I've been there five years.
Speaker 9: Did he okay, did he raise Listen to the question,
Speaker 9: did he raise the rent more than one time in
Speaker 9: a twelve month period?
Speaker 6: Yes, he can't do that. Well, hold On, Okay, when
Speaker 6: did that new law take effect? I don't know, but
Speaker 6: I mean it's retroactive, so well, it can't be retroactive.
Speaker 6: I'm not using the right word.
Speaker 9: But if you're in a lease at the time, like
Speaker 9: a five year lease for example, that's what I can't
Speaker 9: do it.
Speaker 2: That's right.
Speaker 6: So here's the thing, though, Christy, hold On, you said
Speaker 6: he changed your he he raised your rent more than
Speaker 6: twice in one year.
Speaker 2: When did he do that? What year?
Speaker 18: Well, that would have been this last year.
Speaker 9: So when you signed hold On, when you signed the
Speaker 9: six month lease, he raised your rent from prior correct?
Speaker 18: Correct?
Speaker 9: And then after the six month lease and you went
Speaker 9: month to month. He raised your rent again after the
Speaker 9: mold comment. Correct, he can't do that.
Speaker 6: Let's talk to Brad O'Brien and find out.
Speaker 9: Okay, yeah, but the other thing is. Here's the other
Speaker 9: thing though, Tom, think about this. What does it matter
Speaker 9: if she was on month to month. He can still
Speaker 9: get rid of her.
Speaker 6: No he if he can't technically raise her rent, You're right, Mark,
Speaker 6: he can raise it. I mean he can still excuse
Speaker 6: me a victor, or say I don't want you there anymore.
Speaker 6: But he has to give her a certain amount of
Speaker 6: notice depending on how long she lived there. We really
Speaker 6: need Brad because what sounds logical isn't always logical.
Speaker 2: Christy.
Speaker 6: Let's get you accurate information right after this. Let's get
Speaker 6: If we can't get to Brad this hour, we may
Speaker 6: have to call you back, Christy, and do it right
Speaker 6: after the eleven o'clock Hold on, go with a sure
Speaker 6: thing Denver's Best Roofer Excel roofing dot com. You don't
Speaker 6: pay a cent until you're content. Time for an insurance
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Speaker 6: Help you'll think you're his only customer when you choose
Speaker 6: Frank durand the real estate man dot Com to list
Speaker 6: your home with Remax Alliance three all three nine two
Speaker 6: zero sixteen twenty two. Hi Tom Martino, your troubleshooter three
Speaker 6: all three seven one three talk seven one three A
Speaker 6: two five five. Okay, uh so listen tonight. I am
Speaker 6: so excited about tonight, by the way, and the fight going.
Speaker 2: What are you kidding me?
Speaker 6: I have my timer set, I'm going to I got
Speaker 6: the reminders on.
Speaker 2: This Tyson thing is going to be outrageous.
Speaker 10: Now.
Speaker 6: I don't know who's gonna win though, I mean, I
Speaker 6: would think Mike with the experience and stuff, but this
Speaker 6: other guy is not.
Speaker 2: He's not a shlock.
Speaker 9: It's like a twenty six year old literally versus a
Speaker 9: almost sixty years and.
Speaker 6: He's a giant. This guy's a giant man and he before.
Speaker 2: I mean, it's not.
Speaker 6: Like people always say, oh, I use a YouTuber and
Speaker 6: they don't understand that he's fought before.
Speaker 9: Yeah, I think he. I think he knocks Tyson out. Honestly,
Speaker 9: do you I don't know how much.
Speaker 11: Do you think experience has as opposed to youth.
Speaker 6: Experience has a lot, But there's just so much you
Speaker 6: can do.
Speaker 9: There's a lot like this, gentleman, if I went to
Speaker 9: fight George Burns.
Speaker 6: Mark, Mark, listen, you're younger than Tyson, he would kick
Speaker 6: your ass, would kick the crap out of me. Okay,
Speaker 6: So it's not all about my age. It's not all
Speaker 6: about age. It's about conditioning. So I have no idea.
Speaker 2: I mean this, My.
Speaker 9: Only point was at some point it's definitely all about age.
Speaker 2: I don't know where that line is.
Speaker 6: The longer it goes, it depends on the individuals, don't
Speaker 6: you think, Well, of course it does.
Speaker 2: But I'm saying when Tyson's eighty, at some point it's
Speaker 2: smart to so.
Speaker 17: And Tyson has way more wisdom than the twenty seven
Speaker 17: year old.
Speaker 2: Go Tyson, you know what it like?
Speaker 6: That all depends, But I think there's nothing you can
Speaker 6: do about about age at a certain point.
Speaker 2: Just look over at Doc.
Speaker 6: For God's sakes, don't you think that the longer it goes,
Speaker 6: the more fatigue it is going to affect.
Speaker 16: We should have you.
Speaker 9: And Doc actually box for you.
Speaker 6: A lot has to do with conditioning. A lot has
Speaker 6: to do with conditioning. I mean, look at Mark. He's
Speaker 6: a young man.
Speaker 2: Here, we look at his condition you shut up? Okay,
Speaker 2: Well he always makes fun of me.
Speaker 6: I'm just giving it bad. No one can ever fault
Speaker 6: me for that. By the way, seriously, Chrissy, we're gonna
Speaker 6: get back to you with our attorney right after the breaking.
Speaker 6: You know, go with a sure thing Denver's Best roofer
Speaker 6: Excel Roofing dot com. You don't pay a cent until
Speaker 6: you're content. Time for an insurance check up free, no obligation.
Speaker 6: In comparison, call Compass Insurance paying too much your coverage?
Speaker 6: Dozens of insurance companies find out now three all three
Speaker 6: seven seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: all three nine two zero sixteen twenty two.
Speaker 2: Ripped News need advice. You don't have.
Speaker 10: Come run inches as fast as.
Speaker 4: The cam shooter's gonna help come.
Speaker 5: This is the Troubleshooter Show.
Speaker 6: No Tom Martine, Hey, I'm Tom Martino, your troubleshooter three
Speaker 6: all three seven one three talk seven one.
Speaker 2: Three eight two five five.
Speaker 6: What's going on in your life today? This hour brought
Speaker 6: to you by Wave eight Wealth Management, my wealth management
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Speaker 6: I explored the industry. I got pissed off about six
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Speaker 6: to the public recently and you can be part of it.
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Speaker 6: Kevin coalkin with us from Sheridan Auto Tech. We have
Speaker 6: a common woman in we call them common of course,
Speaker 6: Chandra Cordevano. And then we're gonna go to our expert,
Speaker 6: Brad O'Brien. He's a real estate attorney and he helps
Speaker 6: us so much with so many things. We'll give out
Speaker 6: his contact in a minute here. But this is a
Speaker 6: weird he knows so much about this. But we always
Speaker 6: think we know the answer, and there's always some you know,
Speaker 6: it's ends or butts, depending on this situation. So Christy
Speaker 6: lived in an apartment for about five years. And Christy,
Speaker 6: you had a series of six month leases, Is that right, Christy?
Speaker 20: Yeah, I did a couple of them.
Speaker 2: Yeah. So anyway, this latest six month.
Speaker 6: Lease expired, the latest one you had expired when in
Speaker 6: July or when when.
Speaker 21: Well I was looking.
Speaker 19: I'm actually in the hotel for the remediation right.
Speaker 6: Now, and no, but I but I just need to
Speaker 6: know this. I don't want to complicate that right now.
Speaker 6: I want to ask you, Brad, some basic questions. Your
Speaker 6: latest six month lease expired when, well, that's what.
Speaker 20: I'm trying to tell you.
Speaker 19: I'm looking up the dates because I'm having trouble.
Speaker 6: Oh, I'm sorry, okay, but it was earlier this year, right,
Speaker 6: yes it was, and then you had been there.
Speaker 2: About five years.
Speaker 6: Your latest six month lease expired earlier this year. You
Speaker 6: went months to month after that, right, okay? And when
Speaker 6: and when you went month to month? You uh told
Speaker 6: him about some mold in July, you wrote a letter
Speaker 6: to him. In September, he had some people come out
Speaker 6: and mitigate media, mitigated and remediated, I say, but they
Speaker 6: said they found more mold. And you said to the landlord, hey,
Speaker 6: there's more mold. Then he raised your rent. When when
Speaker 6: did he raise your rent? He told you back in
Speaker 6: July he was going to raise your rent in September
Speaker 6: or in August. Right, he gave you thirty days notice.
Speaker 19: Yeah, in August is when he gave me the letter
Speaker 19: for rent.
Speaker 2: Increasing in September.
Speaker 18: For September. Yeah, and he actually just real quick he
Speaker 18: left a note on my door that said he did
Speaker 18: have a new lease for me when he was there
Speaker 18: to pick up the rent. But later on that evening
Speaker 18: he rescinded and said he wasn't going to give me
Speaker 18: a new lease and he didn't want my rent.
Speaker 6: So, Christy, why didn't he take your rent for September?
Speaker 6: Did you offer him the original amount or the new
Speaker 6: raised amount?
Speaker 18: I offered him the new raised amount, but he said,
Speaker 18: because you called the city.
Speaker 19: He got a call from a city the same day
Speaker 19: on September.
Speaker 2: Serve, I get it.
Speaker 6: So he said, even though you're going to pay the
Speaker 6: rent increase, which, by the way, if you count that
Speaker 6: increase in September, when was your last increase? When was
Speaker 6: that last increase? You said it was when you signed
Speaker 6: that six month lease before, right, when was that?
Speaker 20: So it was earlier on in the year.
Speaker 18: Probably I'm going to stay closer to January.
Speaker 6: Okay, So back in January he raised your rent, and
Speaker 6: then he tried to raise it again in September, and
Speaker 6: he wouldn't take your money even if you wanted to
Speaker 6: pay the increased amount because he was pissed off at
Speaker 6: you at complaining about the mold.
Speaker 2: That's it in a nutshell, right, I think.
Speaker 15: There's something else. Wow, Christy, he didn't take your rent?
Speaker 15: Is that because he wants you to move out?
Speaker 20: Though?
Speaker 2: Of course? To me, yeah, he wants your out of there. Man, Yeah,
Speaker 2: he told her. Yeah, he said. Did he say you're
Speaker 2: being evicted?
Speaker 18: He didn't say that, but he keeps wanting me to
Speaker 18: take my things out because then he said, I have
Speaker 18: possessions of the apartment.
Speaker 2: Well, I don't understand.
Speaker 6: He never evicted you, but he wouldn't take your rent, correct,
Speaker 6: and you never got a notice to leave, but he
Speaker 6: said we want you out of there, correct? And what
Speaker 6: did you say, I'm not leaving? What did you say?
Speaker 18: Yeah, well, basically I said I just want the apartment
Speaker 18: safe and habitable.
Speaker 6: And then what did he say? Let's just go back
Speaker 6: and forth. What did he say?
Speaker 18: Okay, so he's playing games.
Speaker 20: He kept saying, well, you know the team is in here.
Speaker 18: They did what they did. But then he gave me
Speaker 18: a new letter saying that they found they suspect new
Speaker 18: mold and that I had.
Speaker 20: To get my thing out.
Speaker 18: But my things are not in because my things are
Speaker 18: in a way and they're.
Speaker 20: Not in a way.
Speaker 6: Okay, but Christy, hold on, So when he said you
Speaker 6: had to leave, you said you're.
Speaker 2: In a motel right now? Yes, who's paying for that?
Speaker 20: He is?
Speaker 6: And so what are you calling about today? I thought
Speaker 6: you said you were being evicted.
Speaker 18: No, he's trying to constructively evict me.
Speaker 20: See he's trying.
Speaker 6: You've never gotten note, you've never gotten notice of an
Speaker 6: eviction ever.
Speaker 2: In fact, he's paying for your hotel.
Speaker 6: I mean, I want to get my attorney on, but
Speaker 6: I don't know what to ask him.
Speaker 2: What do you want to ask him? You're not being evicted?
Speaker 18: Yeah, he's if I get here's what he's doing, though.
Speaker 20: He wants me to get my things out so he
Speaker 20: can't let me back in.
Speaker 2: How do you know that?
Speaker 21: Because he's telling his attorney that.
Speaker 2: Did he did his attorney tell you that.
Speaker 3: They want me out, they don't.
Speaker 16: Want to let me back in.
Speaker 6: Okay, they told you, they told you you're not coming back.
Speaker 6: Did they say, get the rest of your stuff, you're
Speaker 6: not coming back.
Speaker 18: They they get your stuff out and they want me
Speaker 18: to break the leaf. Did they say they.
Speaker 6: Said, we want you to get your stuff out and
Speaker 6: we want you to break the lease. That's what they
Speaker 6: said to you.
Speaker 18: They are suggesting that they want me to break the leaf.
Speaker 6: Yes, did they say they will let you out? Well,
Speaker 6: you said you didn't have a lease, So now I'm
Speaker 6: more confused than ever.
Speaker 2: So well, well, it.
Speaker 20: Still has to be honored month to month.
Speaker 18: Yes, even though I don't have a technical lease for
Speaker 18: a certain date, it still has to be honored.
Speaker 20: Month to month.
Speaker 6: You know, Tom Brad's been listening to this, right, Okay, okay,
Speaker 6: because I I am so confused by this thing. They
Speaker 6: want her I know they want her out, that's what
Speaker 6: she says. But they're paying for her hotel, they're paying
Speaker 6: her to.
Speaker 2: Okay, Well that's debatable.
Speaker 6: Okay, all right, So they want your stuff out of
Speaker 6: the apartment, but they didn't say they were. They said
Speaker 6: they wanted it out because they're doing mitigation.
Speaker 18: Right, Yes, but I also the attorney. His attorney did
Speaker 18: say that they want me to go ahead and agree
Speaker 18: to breaking the leaf.
Speaker 2: But but okay, I get it.
Speaker 6: But do you realize it's not unusual for mold remitation
Speaker 6: companies to want personal belongings out of there.
Speaker 2: Did you know that?
Speaker 20: Yeah?
Speaker 19: But I'm not in the way he's claiming I'm in
Speaker 19: the way. I'm not.
Speaker 6: They're talking about spore contamination.
Speaker 2: You don't have to be in the way.
Speaker 6: They're trying to protect your stuff.
Speaker 20: It's been in there. They found mold from previous years
Speaker 20: that's been in there.
Speaker 19: My stuff is already contaminated.
Speaker 2: Okay, I give.
Speaker 6: A Brad O'Brien, you want to weigh in on this,
Speaker 6: because I don't know any more than you do right now, Well, I.
Speaker 23: Would just say that it sounds like the landlord and
Speaker 23: their attorney are trying to get her to voluntarily terminate
Speaker 23: the lease. She has the right to where they don't
Speaker 23: at this point, but you don't have to. You know,
Speaker 23: they're trying to get you to do something that they
Speaker 23: don't have the right to compel you to de terminate
Speaker 23: the lease.
Speaker 9: But it best, But it best because she's on month
Speaker 9: to month. How long would it take to get her
Speaker 9: out there if they go through the proper way.
Speaker 23: Twenty one days? Now, there is something you want to
Speaker 23: have an ability statute about not retaliating. But if the
Speaker 23: landlord has a good faith reason for not renewing it's
Speaker 23: apart from her having reported a habitability issue.
Speaker 2: Then then so what other reason? What other reason would
Speaker 2: he have to have.
Speaker 23: Just some good faith reason?
Speaker 2: What about he doesn't want to rent to her anymore.
Speaker 23: She says, she's been there for five years, right, yeah, okay,
Speaker 23: so this now, this change that we have this year
Speaker 23: where kind of there has been there for a year
Speaker 23: or longer, has to be given a ninety day notice
Speaker 23: of non renewal and it has to be a good
Speaker 23: just cause for the non renewal. So she's entitled to
Speaker 23: that protection.
Speaker 2: Now, okay, wow, so you can stay there.
Speaker 6: So that's why they want her to voluntarily do it,
Speaker 6: because they don't want to give her ninety.
Speaker 9: Days and pay for her hotel for the next ninety
Speaker 9: days or however long it takes.
Speaker 23: Well, the hard part is not the ninety days. It's
Speaker 23: they have to have just cause.
Speaker 9: Oh yeah, you're right, And what would be just cause?
Speaker 9: But causes? What if you're selling your house or something, right.
Speaker 23: Selling it, wanting to convert it to something else, like
Speaker 23: maybe they want to convert it to condo, They want
Speaker 23: to do a substantial renovation. So there's some pre defined
Speaker 23: things that are substantial like that. But not just because
Speaker 23: they don't think they don't like this particular tenant.
Speaker 2: Christy, you're in it. You're in the driver's seat on this.
Speaker 6: Hey, Christy, do you want to keep renting there at
Speaker 6: the new amount. Well, hold on, hold on, Mark, Wait,
Speaker 6: I'm asking her a question, Mark, I'm asking a question. First,
Speaker 6: I know what question you're going to ask. I want
Speaker 6: to do it in order. Are you willing to pay
Speaker 6: the new increased amount rent? I?
Speaker 13: Yes, I was really Okay.
Speaker 6: Now the question is, Brad, does the landlord have a
Speaker 6: right to raise the rent if he already raised it
Speaker 6: let's say in January.
Speaker 23: No, a landlord, residential landlord can only raise rent one
Speaker 23: time in any rolling twelve month period.
Speaker 2: Okay.
Speaker 6: And what is the rolling twelve month period, any rolling
Speaker 6: twelve month period.
Speaker 23: Right today minus twelve months?
Speaker 2: Okay, so today minus twelve months. So when this.
Speaker 9: Guy's not taking her check, let's not forget that she
Speaker 9: tried to pay even the new amount and he said
Speaker 9: he's not going to accept it.
Speaker 23: Brad, Well, she if this gets in front of it, judge,
Speaker 23: she'll arge. She tendered her payment, she offered it up
Speaker 23: and they refused it. And that's a good argument.
Speaker 6: Christy, So are you listening to all of this? Yes,
Speaker 6: listen carefully. You don't have to leave. You don't have
Speaker 6: to voluntarily do it. He has to evict you, he
Speaker 6: has to have good reason. By the way, he can't
Speaker 6: rate well, he can raise the rent after twelve months
Speaker 6: from the last and rent raise.
Speaker 2: You have to make him aware that you know all
Speaker 2: of this.
Speaker 13: Okay, and if you.
Speaker 6: Want help, I'll have Deputy d call the landlord. You
Speaker 6: want us to call him? Sure, hold on and get
Speaker 6: here information for us. Brad O'Brien, thank you so much
Speaker 6: for helping us. Three h three seven Mark. Did I
Speaker 6: get that question you were going to ask about the
Speaker 6: twelve months or was there something else?
Speaker 2: No? No, We're good, I mean, okay, good, good.
Speaker 6: Excellent Olslaw dot com seven two zero three seven zero
Speaker 6: seventy three eighty eight. Go with a sure thing Denver's
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Speaker 2: You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: to seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two.
Speaker 2: I'm Tom Martino. You're a troubleshooter.
Speaker 6: Three O three seven one three talk three O three
Speaker 6: seven one three eight two five five. So I'm just
Speaker 6: ask AI who's gonna win the fight? Fifty eight year
Speaker 6: old former heavyweight champion Mike Tyson or twenty seven year
Speaker 6: old YouTuber turn boxer Jake Paul. And here's what my
Speaker 6: AI said. I used to call my girlfriend, but the
Speaker 6: voice changed to mail, so I call him my boyfriend.
Speaker 6: Backing Mike Tyson, Lennox, Lewis, Roy Jones, Junior Tyson Fury,
Speaker 6: it's all betting odds.
Speaker 2: It's all that Matt.
Speaker 6: Backing Jake Paul, Anthony Joshua, Adam Smith. Betting odds Jake
Speaker 6: Paul minus two hundred and fifty.
Speaker 2: So you have to pay two fifty.
Speaker 6: To win one hundred and plus one ninety from Tyson.
Speaker 2: Tyson's favored age and physical condition. You got that totally backwards, brother, Oh,
Speaker 2: you're right, you're right.
Speaker 6: You you The odds are in favor of Jake. That's
Speaker 6: why they pay less, right exactly, Okay, age and physical condition,
Speaker 6: Tyson's age and the long hiatus since his last professional fight,
Speaker 6: that's a big one, that's whole big one. In contrast,
Speaker 6: Paul is in prime physical condition and has been actively
Speaker 6: competing experience. Tyson's extensive boxing boxing experience outweighs Paul's and
Speaker 6: his experience.
Speaker 2: But not recent experience.
Speaker 6: Tyson has legendary status, experience, and is formidable. But people
Speaker 6: say Jake Paul is just too young and fit. Wow,
Speaker 6: this is going to be exciting. Three oh three, seven
Speaker 6: to one three talk seven to one three.
Speaker 9: So if you had to bet on it, what would
Speaker 9: you bet? It's gonna be a I don't even think
Speaker 9: it's going to be an epic battle. Honestly, I still
Speaker 9: don't think.
Speaker 6: But I still don't. I wouldn't bet because I don't
Speaker 6: know enough. Honest to god, I don't have a good
Speaker 6: feeling one or the other. I I just don't have
Speaker 6: enough feeling to bet on this one. I got to
Speaker 6: get to h let's see, I got to get your
Speaker 6: your pictures up again, Okay, so let me do that.
Speaker 10: Okay.
Speaker 2: I don't even know that's the wrong one.
Speaker 6: Sorry, I'm just three oh three seven one three talks
Speaker 6: seven one three eight two five five.
Speaker 2: Let me get your camera there? You go? All right?
Speaker 6: So you guys are up, and here's what I want
Speaker 6: to know. What do our what do what? What does
Speaker 6: the YouTube audience think?
Speaker 10: Well?
Speaker 9: I put a poll up and by the way, folks
Speaker 9: out there listening, you go to YouTube type and Troubleshooter
Speaker 9: network you can watch us. We talked her in the breaks.
Speaker 9: I think you're gonna love uh being part of the
Speaker 9: show that way. But uh, we only got thirty two votes,
Speaker 9: even though there's one hundreds watching. Seventy five percent think
Speaker 9: Mike Tyson's gonna win. And I offered to bet any
Speaker 9: of them and not one of them took me up
Speaker 9: on it.
Speaker 2: Butt test seventy five percent. They're just busting balls. They
Speaker 2: can't really think that anyway.
Speaker 6: Let's talk to Mike. Uh, we have a Michael and
Speaker 6: a Mic. We'll go to Mike about life insurance. Hi, Mike,
Speaker 6: what's going on?
Speaker 10: Man?
Speaker 3: Him? Why are you doing good?
Speaker 2: What's happening?
Speaker 16: Hey?
Speaker 3: Got a quick way for you. I haven't heard you
Speaker 3: talk about this. I don't believe in the past, But
Speaker 3: do you know any type of entity that would go
Speaker 3: ahead and buy life insurance, whether it be the term and.
Speaker 6: As FA, they don't buy term. They don't usually buy term.
Speaker 6: Now hold on maybe they do. First of all, term
Speaker 6: insurance if it's not guaranteed renewed and you have a
Speaker 6: fatal disease or a terminal disease, or you want to
Speaker 6: just get rid of or you're old, and you know,
Speaker 6: usually terms canceled, so that's not a viable option usually
Speaker 6: for a biatical. You're talking about a biatical where people
Speaker 6: buy it up because you're dying.
Speaker 3: Not necessarily. I mean, this took your situation is that
Speaker 3: I've had it for twenty years in the end, as
Speaker 3: far as the is.
Speaker 2: It term ors that whole life.
Speaker 3: The first and one would be term twenty years. But
Speaker 3: it is renewable, and naturally the monthly payment has gone
Speaker 3: up from like five hundred thousand from my three hundred
Speaker 3: dollars a month previously to like thirteen hundred now.
Speaker 6: So well, that's that's what I mean. I mean, it's
Speaker 6: guaranteed renew but at what price?
Speaker 2: So how old are you send me?
Speaker 7: Fine?
Speaker 2: Okay, so what kind of health?
Speaker 7: Are you?
Speaker 10: In?
Speaker 3: Pretty good health?
Speaker 6: And I guess no one's gonna do it, man, no
Speaker 6: one's going to buy a term insurance policy.
Speaker 2: I don't know of anyone.
Speaker 6: I don't know of anyone when it comes to biaticals
Speaker 6: who buy term insurance.
Speaker 2: Okay, because the term.
Speaker 6: I mean, I might be wrong, but but you know,
Speaker 6: first of all, the concept bothers me a little, but
Speaker 6: a lot of people.
Speaker 2: Are buying them. If you have a terminal disease of some.
Speaker 6: Kind and you have a whole life policy that pays,
Speaker 6: and they know what it's going to pay, and they
Speaker 6: can take it out, I mean, they can pay you
Speaker 6: cash and get it.
Speaker 2: They're going to do it, and you have money to
Speaker 2: live on.
Speaker 6: But what is your Are you asking for cash up
Speaker 6: front for this term policy? Well, yeah, that's so you
Speaker 6: want someone and it's this thirteen hundred a year, thirteen
Speaker 6: hundred a month. There's no one's going to pay you
Speaker 6: cash plus thirteen hundred a month at seventy five years
Speaker 6: old for a term policy of five hundred thousand. I mean,
Speaker 6: do the math. The returns not there. You're, by today's standards,
Speaker 6: in pretty good health. You could live another ten years.
Speaker 6: I mean, just do the math. And there's nothing to
Speaker 6: guarantee the premium won't go up.
Speaker 3: Okay, Well, let's see.
Speaker 6: You obviously have an escalator in that. So you're asking
Speaker 6: someone right now to pay sixteen grand a year. Sixteen
Speaker 6: grand a year basically, okay, so they pay would never
Speaker 6: think about that sixteen grand a year times even if
Speaker 6: it's stayed level, and it won't times ten years. We're
Speaker 6: looking at one hundred and sixty thousand, And how much
Speaker 6: did you want for this five hundred thousand dollars benefit?
Speaker 2: How much do you want for it?
Speaker 3: I don't know, I'm getting it. I'm just telling it.
Speaker 6: Don't give me an idea, though, you have to have
Speaker 6: an idea. Do you want to dollar for it?
Speaker 3: Okay?
Speaker 2: So how much do you want for it? Twenty five,
Speaker 2: twenty five thousand?
Speaker 6: Okay, So now you have one sixty plus twenty five thousand.
Speaker 6: Now that's what I would be. That's one hundred and
Speaker 6: eighty five thousand. Somebody's going to pay out on the
Speaker 6: hopes that they get the five hundred. Then I'm the
Speaker 6: hope set he croaks. That's such a weird thing to.
Speaker 2: Think, Well that all viaticals are like that.
Speaker 9: I know that, but think about it, man, can you
Speaker 9: imagine sitting around going, God, I hope he gets into
Speaker 9: a car accident today.
Speaker 6: You know, I just don't think it's viable, but I
Speaker 6: might be wrong. I've listened with my investment company. We
Speaker 6: have looked at viat There are funds of viaticals of
Speaker 6: old sick people. It sounds sick, doesn't it. And it's
Speaker 6: just we don't like it. We just don't like it
Speaker 6: and it just doesn't feel good. But there are people
Speaker 6: that love them. For example, if you had cancer and
Speaker 6: you have a five hundred thousand dollars policy, there are
Speaker 6: people that are going to give you a lot of
Speaker 6: cash to live on right now there are okay, okay,
Speaker 6: but you're seventy five with no apparent problems at this point.
Speaker 3: Correct, that's great?
Speaker 2: Yeah.
Speaker 6: So, And it's term, which means you have no control
Speaker 6: over the what is the premium escalator clause?
Speaker 2: Do you know?
Speaker 3: I think it's really depends upon you know, I don't
Speaker 3: know what percentage might be on an annual basis.
Speaker 2: I don't know, I understand. But do they have a limit.
Speaker 3: I don't know that either.
Speaker 9: Wouldn't you be afraid someone would try to knock you
Speaker 9: off if you sold it?
Speaker 2: I mean, honestly, no, I find it so odd.
Speaker 6: So on my investment, on this investment research that I have,
Speaker 6: they do they do have some life, some term life
Speaker 6: insurance policies that are sold as viaticals here, but they're
Speaker 6: usually with people who have a foreseeable event, some terminal
Speaker 6: something that, yeah, something like that. They they believe it
Speaker 6: or not, they like it. If can you convert that
Speaker 6: to a whole life policy at any time.
Speaker 3: I think that has lapsed as of right now.
Speaker 6: Okay, so really unless you people aren't probably going to
Speaker 6: do it because you don't have a disease or you're
Speaker 6: not your death is not imminent, and you have the
Speaker 6: five hundred thousand is a good part. The premium is
Speaker 6: way high. Thirteen hundred a month is way high at
Speaker 6: this point. But it's it says here in my little uh,
Speaker 6: my little uh Book of Investors that there are people
Speaker 6: that will buy them, even yours, but I don't know
Speaker 6: how much you'll get for it. They might try to
Speaker 6: steal it, you know, if are you hurting for money
Speaker 6: right now?
Speaker 3: No, I just I can't afford this first to the
Speaker 3: increase there, and you know, just do a little bit.
Speaker 6: There might hey, there might be people that do it,
Speaker 6: but again there you know, it's kind of it's kind
Speaker 6: of a strange when you're not sick or anything, you know,
Speaker 6: and uh, what has been the average lifespan of your family? Folks,
Speaker 6: I'm not asking for myself. I am not going to
Speaker 6: do this.
Speaker 3: I just you don't I understand. Uh actually, first, parent wise,
Speaker 3: one seventy four?
Speaker 2: What did you just say?
Speaker 7: One?
Speaker 2: And I have no idea what he's talking about. One
Speaker 2: is not one was ninety four and one was what?
Speaker 7: Uh?
Speaker 3: Actually, you know sixty eight? I'm sorry, you know sixty
Speaker 3: eight years old and one ninety four?
Speaker 2: Oh my gosh, weird.
Speaker 6: Huh So anyway, listen, if doc was selling, I'd buy
Speaker 6: in a minute.
Speaker 2: I'm just kidding. Oh man, I'm sorry.
Speaker 6: Listen, if anybody does call and they're interested, we will,
Speaker 6: uh we will pass on.
Speaker 2: Leave your number with us.
Speaker 3: Okay, all right, that's sounds good man.
Speaker 6: I'm sorry that that you're facing this, but you know
Speaker 6: it's it's term is not You've.
Speaker 9: Looked into this stuff before. What changes what stops someone
Speaker 9: from changing the beneficiary? I mean, I'm sure it's a
Speaker 9: pretty long contract.
Speaker 6: Huh you well, okay, there is something called, and this
Speaker 6: is where it gets really hairy, something called an insurable interest.
Speaker 2: Okay, Yeah, that's why that's why I asked the question.
Speaker 6: Yeah, some policies, and we ought to get Joe keano
Speaker 6: I'd love to get Joe on. In fact, let's do
Speaker 6: it because this is a topic that is very interesting.
Speaker 6: But insurable interest has been deemed in some cases to
Speaker 6: be that you loan the guy money or you gave him,
Speaker 6: and technically it's kind of like.
Speaker 2: A loan mark. So you are you do have an
Speaker 2: insurable audess. I actually I understand that.
Speaker 6: Okay, So anyway, let's if we can get Joe Keano on.
Speaker 6: I'd love to ask him a couple of questions about
Speaker 6: it in general. Now, Michael, I have to take a break,
Speaker 6: but I want to get started. You have an issue
Speaker 6: with a creditor. Can you tell me? Is it a
Speaker 6: credit card?
Speaker 7: Uh? Yes, sir, it's this is a Johnson Mark Attorneys
Speaker 7: at law, their collection attorneys. Okay, I agree with them
Speaker 7: to pay this debt off.
Speaker 2: Okay, let's make sure. Hope, I hope you didn't restart
Speaker 2: to clock brother.
Speaker 5: Yeah.
Speaker 6: You hang on, Michael, we'll come right back to you.
Speaker 6: Go with a sure thing Denver's Best roofer excel roofing
Speaker 6: dot com. You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free no obligation. In comparison,
Speaker 6: call Compass insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: seven to one.
Speaker 2: Help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate man dot com to list your
Speaker 6: home with Remax Alliance three oh three nine two zero
Speaker 6: sixteen twenty two.
Speaker 2: Hey, I'm Tom Martine. You're a troubleshooter.
Speaker 6: Michael says he has an issue with the creditor. So, Michael,
Speaker 6: I want to get to the beginning here. Okay, so
Speaker 6: how did this all start? Did you have a credit
Speaker 6: card or something?
Speaker 7: Yes, I had a credit card by Citibank and that
Speaker 7: was for home depot purchases to the renovations.
Speaker 6: So from okay, so you had a City Banking credit
Speaker 6: card and it was for home depot And then what happened?
Speaker 7: I got sick. It was COVID, I guess, okay, couple
Speaker 7: and that knocked me into the ballpark for quite a while, and.
Speaker 2: I got so when was this?
Speaker 6: When did you make your last payment on that City
Speaker 6: Bank card?
Speaker 7: October sixteenth this year?
Speaker 6: No, Oh, I'm okay, So anyway, but it was after COVID,
Speaker 6: So it wasn't six years ago.
Speaker 2: This was a pretty recent debt.
Speaker 7: Oh yeah, this is yes, legitimately within that how much
Speaker 7: did you owe?
Speaker 2: How much did you owe that they came after you for.
Speaker 7: Approximately I believe it was sixteen approximately sixteen thousand.
Speaker 2: Okay. Now, and what kind of an agreement did you.
Speaker 7: Make to pay them three hundred and twenty five dollars
Speaker 7: a month until paid?
Speaker 2: Okay? Now did they add to it?
Speaker 7: No, not to my knowledge.
Speaker 2: Okay, So what is your question.
Speaker 7: I'm paid up to date. As you know, October sixteenth
Speaker 7: is my last payment. I received a notice of late
Speaker 7: payment dated November one.
Speaker 6: Wait, wait, and you paid October sixteenth, but they sent
Speaker 6: you a late late statement November. Yes, did they cross
Speaker 6: in the mail or did you make an online payment?
Speaker 7: They have an unelectronic access to my checking account every month.
Speaker 6: Okay, so they they actually drew out the payment. That
Speaker 6: was crazy to give them that, by the way, So
Speaker 6: they drew the payment out but sent you a late notice.
Speaker 2: Yes, that makes no sense.
Speaker 6: Did you call them and say, look, guys, you're the
Speaker 6: ones that draw the payment out.
Speaker 7: That's the problem. Calling them is a waste of time.
Speaker 7: I called them yesterday and what did they say? This
Speaker 7: is the wrong department. I have to send you back
Speaker 7: to the original department.
Speaker 6: Now the question, Yeah, first I want to ask real quick,
Speaker 6: was there a late fee?
Speaker 2: Is that why you're calling us?
Speaker 7: No? No late fee that I can see you on
Speaker 7: this notice?
Speaker 2: And why do you care?
Speaker 7: Because it's a notice of late payment. And I find
Speaker 7: these people to be sharp in terms of how they
Speaker 7: do legal stuff. I was on the question that on
Speaker 7: the in the first place that there I was to
Speaker 7: go to court for a judgment. I was I was
Speaker 7: going to answer it in person and it turns out
Speaker 7: that it was by paper only, so they got the
Speaker 7: judgment because there was no uh press in person hearing.
Speaker 6: So no, no, no, no, Michael, it was during OVID.
Speaker 6: Tom oh, I'm sorry. So they got this judgment back
Speaker 6: during COVID.
Speaker 7: Uh No, this was I believe it was May or June.
Speaker 6: Of this year, and they got they got a judgment
Speaker 6: without taking you to court.
Speaker 7: Well they did that, they did technically because but it
Speaker 7: was a it was a paper submission only and not
Speaker 7: an appearance.
Speaker 2: And you did and you did not answer it.
Speaker 7: I did. I went to court to answer it in
Speaker 7: the court nearby and then I found That's when I
Speaker 7: found out it was not an in person.
Speaker 6: Uh oh, so they got a default judgment. But you
Speaker 6: did all the money anyway, right?
Speaker 7: Yes? Yes, Mark?
Speaker 9: What was your question? Well, I'm curious what other debts
Speaker 9: do you have?
Speaker 2: If any? You've got sixteen grand there? What else? Do
Speaker 2: you own a house?
Speaker 7: Yes?
Speaker 9: Okay, that's all I want to I wanted to know
Speaker 9: if you were judgment proved.
Speaker 2: Quite frankly, I.
Speaker 7: Don't know that I am. I don't think. I don't
Speaker 7: think I am. I owe for a car like fifteen thousand,
Speaker 7: then I own the house about eighty five thousand, I think.
Speaker 2: So what is your question about?
Speaker 7: Right now, I'm trying to get through to contact these people.
Speaker 7: I would like to know what is the best way
Speaker 7: to refute this letter because I don't them as far as.
Speaker 2: How do you?
Speaker 6: Why would you? What do you? I'm not sure what
Speaker 6: the letter is doing. What harm is the letter doing?
Speaker 6: Though I don't get it.
Speaker 7: It's first of all, it's causing me concern because they
Speaker 7: do not trust these people. One I don't trust them.
Speaker 9: Did you have an agreement with them something to the
Speaker 9: tune of if I have a late payment?
Speaker 2: The interest rate goes up or something weird.
Speaker 10: No, well, I.
Speaker 6: Don't know why you have any issue whatsoever. Then, and
Speaker 6: you have proof you pay it as well with the draft.
Speaker 2: On your account, right, Yes?
Speaker 7: I do?
Speaker 6: Okay, Okay, so they automatically draft your account? Right, Okay,
Speaker 6: I don't, Michael, unless they do something else or this
Speaker 6: keeps happening. Would you call us back. I'll write it down,
Speaker 6: but I don't see an issue here. If they're not
Speaker 6: dinging you, they're not charging you more. I think the
Speaker 6: letter was probably sent an error. I mean, do you
Speaker 6: have an agreement that you signed?
Speaker 7: Yes, it's online, it was electronic.
Speaker 2: Did you download a copy?
Speaker 7: I think I did. I'll have to hunt.
Speaker 6: Okay, Now, next question. Is it a law firm you're
Speaker 6: dealing with.
Speaker 7: Yes, Johnson Mark Attorneys at Law.
Speaker 6: Did you ever try calling them and asking about this
Speaker 6: late notice? Did the late notice come from them?
Speaker 7: That's when I get the MARYL. Giron. I can't get
Speaker 7: into any department that will handle the call. I'm sorry,
Speaker 7: we can't handle this call. We'll have to send you
Speaker 7: back to the department you had in the first place,
Speaker 7: and they will.
Speaker 11: Just send them an email or certified letter, either one
Speaker 11: of those would would get a response.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 6: Time for an insurance checkup free no obligation comparison call
Speaker 6: Compass insurance paying too much your coverage at dozens of
Speaker 6: insurance companies find out now three O three seven seven
Speaker 6: to one help. You'll think you're his only customer when
Speaker 6: you choose Frank durand the real estate Man dot com
Speaker 6: to list your home with Remax Alliance three three nine
Speaker 6: tow zero sixteen twenty two. Hi Tom Martinez here three
Speaker 6: h three seven one three talks seven one three eight
Speaker 6: two five five. So I want to go to Joe
Speaker 6: Caiano real quick here Joe, I'm here, Tom.
Speaker 2: Yeah, we don't have a lot of time.
Speaker 6: I might want to keep you up after the next hour,
Speaker 6: but Joe Cano does. Of course, life insurance overfunding on
Speaker 6: purpose for investment purposes and also fixed indextinuities. So what
Speaker 6: I'm asking you, though, is on another topic. But since
Speaker 6: you know a lot about insurance and life insurance, the
Speaker 6: concept of viaticles where people buy insurance from those who
Speaker 6: are terminally ill. Have you ever explored those or no
Speaker 6: much about him.
Speaker 16: I know something about him.
Speaker 6: Tom, Okay, I'm going to ask you about that coming
Speaker 6: back because I'm running out of time and I don't
Speaker 6: want to rush you.
Speaker 2: And then Michael Uh.
Speaker 6: As far as that creditor situation, bro, just call us
Speaker 6: back if it keeps happening. I would not do anything
Speaker 6: right now. I would just leave it alone. I'm Tom
Speaker 6: Martine Moore coming up. Go with a sure thing Denver's
Speaker 6: best roofer Excel Roofing dot com. You don't pay a
Speaker 6: cent until you're content. Three time for an insurance check
Speaker 6: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 6: too much your coverage at dozens of insurance companies find
Speaker 6: out now three oh three seven to seven to one help.
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three oh three nine two zero
Speaker 6: sixteen twenty two.
Speaker 19: You don't have.
Speaker 4: Run ins as we can. Shooter's gonna help coming man.
Speaker 5: This is the Troubleshooter Show. No Tom Martine, Hey.
Speaker 2: Tom Martino here, Welcome to the show. Why don't you
Speaker 2: give us a call.
Speaker 6: Three all three seven one three talk three all three
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Speaker 2: This hour brought to you by eight eight eight Heating dot.
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Speaker 2: And Compass Insurance.
Speaker 6: Group, which loves giving you a free insurance checkup so
Speaker 6: you can see if you're paying too much for insurance
Speaker 6: or not you're not insured enough, or you might be
Speaker 6: over insured. Who knows three oh three nine nine six
Speaker 6: nine thousand, the Insurance Healthcenter dot com. And speaking of insurance,
Speaker 6: Joseph Caano is our annuity expert and our insurance expert,
Speaker 6: and one of the things he does is he's been
Speaker 6: He was one of the first ones I know of
Speaker 6: that was selling life insurance policies that he encouraged people
Speaker 6: to overfund on purpose and have just enough life insurance
Speaker 6: to make that legal, and then to accumulate those earnings
Speaker 6: tax free and then use them tax free later on
Speaker 6: in life. And then he started with fixed indextinuities as well,
Speaker 6: which are guaranteed instruments for retirement as you get older,
Speaker 6: and I have them on talking about an inquiry we
Speaker 6: got somebody wanted to know about selling their life insurance.
Speaker 6: I was surprised to hear, Joe. I looked it up
Speaker 6: that people even sell term policies that are guaranteed renewable.
Speaker 6: But may I ask you a question, I personally don't
Speaker 6: like term when you get older. But what is a
Speaker 6: guaranteed renewable term? Does that mean they have to keep
Speaker 6: you and no matter what.
Speaker 24: Yeah, they have to keep your domin the uh, you'll need.
Speaker 24: Difference between an unrenewable term and a renewable term policy
Speaker 24: is that the company will offer to renew your term
Speaker 24: insurance like every every year, every five years or ten years.
Speaker 24: But you will be paying higher premium because obviously you're
Speaker 24: going to be five ten years older and term insurance
Speaker 24: you know, goes up with your age.
Speaker 6: Yeah, and and so you can't get level premium term, can.
Speaker 24: You you you know, I don't know. I don't think
Speaker 24: you can get level term. You know, like like if
Speaker 24: you have a mortgage, you know, then you want to
Speaker 24: cover it's. Uh, it's what they call a term. It's
Speaker 24: just a level term policy where you you will get
Speaker 24: you know, a level of death benefit. But as you
Speaker 24: get older, either the death benefit will have to go
Speaker 24: down or the premiers will have to go up.
Speaker 7: Okay, I do call it a level term.
Speaker 6: Now, on this particular guy's case, he had term insurance
Speaker 6: and he was in he was seventy five. He was
Speaker 6: paying thirteen hundred bucks a month.
Speaker 24: Absolutely, I mean the older weekend, some more expensive insurance becomes.
Speaker 10: That's not unusual.
Speaker 2: I mean, now he was wondering.
Speaker 6: He was wondering at seventy five, if he's paying thirteen
Speaker 6: hundred a month, would there be anyone interested in buying
Speaker 6: that half a million dollar policy? And I told him
Speaker 6: that to me, doesn't sound like a great deal because somebody,
Speaker 6: you're asking someone to pick up a bill of fifteen thousand,
Speaker 6: six hundred a year plus pay him twenty five grand.
Speaker 6: So you know, I mean he could easily live another
Speaker 6: twenty years, that is right.
Speaker 24: You know, you were talking about biotical settlements, and biotical
Speaker 24: settlements are usually on whole life insurance or for insurance
Speaker 24: policies to.
Speaker 13: Have a cash value, so.
Speaker 24: A third party will actually buy the policy from the insured,
Speaker 24: pay them less than the over the cash value, but
Speaker 24: less than the death benefit. So that means that the
Speaker 24: insured will get but they have to qualify for it.
Speaker 16: I mean, you have to have at.
Speaker 24: Least maybe less than two years to live. You have
Speaker 24: to be chronically ill, you have to.
Speaker 10: Be on your deathbed basically.
Speaker 16: And it's basically. You know, it's a great product.
Speaker 24: If you need urgent money for the next couple of
Speaker 24: years before you die, somebody will buy your policy. They
Speaker 24: will pay you more than the cash value of the policy,
Speaker 24: so that excludes term insurance, but they will pay you
Speaker 24: less than the death benefit. So that means that you
Speaker 24: give up your policy for money now while you're still alive,
Speaker 24: and then your family doesn't.
Speaker 10: Have any more death benefit.
Speaker 6: Yeah yeah, yeah, but it gives you money immediately, right.
Speaker 16: But immediately right, Okay, you have to be in your deathbed.
Speaker 6: You have to be exactly That's what I told them.
Speaker 6: People don't normally buy biaticals. Uh, if you are simply old.
Speaker 16: No, no, you have to be you have you have
Speaker 16: to have at.
Speaker 10: Least less than two years to.
Speaker 7: Live, basically. Okay, that's whether.
Speaker 16: Now, so the qualification.
Speaker 6: While I have you on the line, I do have
Speaker 6: a question from a Texter on the fixed index annuity.
Speaker 6: They want to know, what is the minimum amount you
Speaker 6: recommend people start with if they're already sixty years.
Speaker 24: Old, you know, if they if they're sixty years old,
Speaker 24: to make it work for them.
Speaker 7: You know, the more the more.
Speaker 16: People can put in into.
Speaker 24: The annuity, the better tom you know. So the minimum
Speaker 24: that the our company accepts is ten thousand dollars. Okay, yeah,
Speaker 24: that's not going to give a sixty year old you
Speaker 24: know a lot of money in ten years or five years. So, right,
Speaker 24: if somebody has a four one k or an ira,
Speaker 24: they can transfer the money. It's a lump sum of money.
Speaker 24: They may have one hundred thousand, one hundred and fifty thousand,
Speaker 24: then we're talking a different story. Then that money is
Speaker 24: going to grow for them and this and it's going
Speaker 24: to create an income for the rest of their lives.
Speaker 6: Right, and so is it safe to say the more
Speaker 6: money you put in, the less time it has to
Speaker 6: fester to get you that income.
Speaker 10: That is right.
Speaker 24: You know, we have a nuties that can begin paying
Speaker 24: you within thirty days after the money's received.
Speaker 16: Exactly, it transfers money.
Speaker 24: They can have an immediate annuity just like depiby Duck
Speaker 24: you know, has an immediate annuity that he gets a
Speaker 24: paycheck every single month, and that income STrenD begins.
Speaker 7: Thirty days after the money is transferred.
Speaker 6: It could be any Thank you, Joe, so I appreciate
Speaker 6: that money. Money myway dot com if you ever want
Speaker 6: to talk to Joe, it's three oh three seven seven
Speaker 6: nine sixty six hundred. Three oh three seven seven nine
Speaker 6: sixty six hundred. Now let's talk to Craig, who has
Speaker 6: a follow up from yesterday on a Kia Forte twenty seventeen.
Speaker 6: I don't recall this. Let me let me find the call.
Speaker 6: Was this yesterday?
Speaker 2: Craig?
Speaker 6: Oh no, you were on yesterday. I believe it, and
Speaker 6: we didn't get to you. Go ahead, Craig, what's going on?
Speaker 19: Yeah?
Speaker 13: I was on.
Speaker 10: I didn't get you.
Speaker 2: Sure.
Speaker 13: Hello, another honor to speak with you.
Speaker 6: And we got Kevin calk In here from Sheridan Auto Tech.
Speaker 2: Maybe he can help.
Speaker 13: Go ahead, Okay, throw it to you in a nutshell.
Speaker 7: I'm a truck driver.
Speaker 13: I worked for Danny's Transport out of North Denver. They
Speaker 13: just shut the company down. I just got laid off.
Speaker 13: My car twenty seventeen Kia Forte was stuck in fourthier.
Speaker 13: Wasn't up shifting or down shifting automatic. I took it
Speaker 13: to the shop. I said, listen, I just.
Speaker 10: Got laid off work.
Speaker 13: I'm limiting on funds. Find out the problem. I mean
Speaker 13: the transmission. I told them. When I just told you,
Speaker 13: they said, okay, okay. I said, I don't know what
Speaker 13: it is, but that's why I brought it to you guys.
Speaker 13: You guys are the pros. Okay, I'm just a truck
Speaker 13: driver that drove three million miles from the United States
Speaker 13: in the last forty years. Anyways, so they call me up,
Speaker 13: they give me a prize. Yep, Yeah, it's your transmission. Okay,
Speaker 13: how much? Okay, thirty two hundred, I said, okay, go
Speaker 13: ahead and do it. They put it in. Oh that
Speaker 13: didn't work. It's your PCM.
Speaker 6: Wait a minute, Wait a minute, Wait a minute. Craig Craig,
Speaker 6: Craig Craig and Kevin weigh in on this. If it
Speaker 6: was stuck in fourth gear and they did your transmission,
Speaker 6: what do you mean it didn't work? Did you try
Speaker 6: the new transmission?
Speaker 13: No, they put it in the shop. I haven't touched
Speaker 13: the car.
Speaker 7: No.
Speaker 2: What I mean is thirty are they charged?
Speaker 6: I guess I'm asking this did they rebuild the transmission?
Speaker 13: They put in a rebuilt transmission.
Speaker 6: They put in a rebuilt for thirty two hundred okay,
Speaker 6: but they can't charge you for that if it was wrong.
Speaker 13: Right, But then what they said was, well, no, were.
Speaker 6: They going to credit you the thirty two hundred bucks. No,
Speaker 6: so they wanted you to pay Wait a minute, they
Speaker 6: wanted you to pay thirty two hundred dollars.
Speaker 13: For nothing, for nothing, for the pay for the part.
Speaker 13: I already paid for that.
Speaker 6: Yeah, okay, And Craig, I'm sorry, hold on, hold on, Yeah,
Speaker 6: you brought a twenty seventeen kifourt into a shop. They
Speaker 6: said you need a transmission. You paid thirty two hundred
Speaker 6: dollars for a rebuilt transmission.
Speaker 2: Am I correct? So far?
Speaker 13: I paid fifteen dollars to the part, and then I
Speaker 13: paid the balance when I pick up the car. But
Speaker 13: then that wasn't a problem.
Speaker 2: And I get it.
Speaker 6: But are they still going to charge you for something
Speaker 6: you didn't not need?
Speaker 2: I want to know that.
Speaker 13: Yep.
Speaker 2: How did they get off doing that?
Speaker 13: I don't know. That's why I'm going.
Speaker 2: They're saying you needed that is well, then they.
Speaker 13: Said I need a PCM. I said that, don't worry
Speaker 13: about it. We'll take care of you. Now. The bills
Speaker 13: up to sixty five hundred plus.
Speaker 2: Okay, you know what, you know what hold on, Craig.
Speaker 16: I'll may say it wasn't that, Craig.
Speaker 6: They can't just can't just say it now. It's even
Speaker 6: more now what he's saying Mark is they kept hold on.
Speaker 6: He said, they kept fixing stuff until they got up to.
Speaker 2: Six thousand dollars and.
Speaker 6: They still don't have it fixed, but they want.
Speaker 2: Him to pay anyway.
Speaker 6: DS No eight thousand. Okay, So let me ask you something, Craig.
Speaker 6: Did it ever occur to you to say, what the
Speaker 6: hell are you talking about? I don't believe in paying
Speaker 6: for stuff that doesn't fix the problem.
Speaker 13: Well, I'm old fashioned. I'm a nice person.
Speaker 2: Old fashion.
Speaker 6: So old fashion means people can kick you in the
Speaker 6: face and you're gonna take it. You're gonna pay them
Speaker 6: eight thousand dollars and your car still doesn't run.
Speaker 13: No, I don't have eight thousand. That's the problem.
Speaker 6: And I well, why did you let it go up
Speaker 6: if you didn't have the money, why did you keep approving?
Speaker 13: I didn't, I told him, I said, I don't have
Speaker 13: the money. Now you're saying, it's the PCM, how much
Speaker 13: does that cost? Their answer was, don't worry about it
Speaker 13: will work with you.
Speaker 7: I don't have the money.
Speaker 13: Then they put the PCM in, and then they told me, well,
Speaker 13: I go, so what do I? Oh, now sixty five
Speaker 13: hundred plus the fifteen hundred already paid, so that's eight grand.
Speaker 13: And now they're telling me that, Well, that didn't work either,
Speaker 13: So we got to get a hold of the engineering department.
Speaker 13: Now they're saying that we have to take the serial
Speaker 13: number or vend number off the transmission and match it
Speaker 13: up with the computer system and see if that works.
Speaker 13: That's where I'm at right now.
Speaker 2: So you're up to eight thousand.
Speaker 6: Hold on, Craig, you're up to eight thousand dollars in repairs.
Speaker 13: Oh yeah, so far it's gonna go up to ten
Speaker 13: or twelve dollars and it's.
Speaker 2: Still not fixed.
Speaker 6: So Craig, so you're basically gonna just let them spend
Speaker 6: anything they want and you're not demanding that the car
Speaker 6: be fixed.
Speaker 13: Oh that's not that's not the icing on the cake.
Speaker 13: After they put the transmission in, now it's stuck in
Speaker 13: first gear. At least I can drive it around in
Speaker 13: fourth gear, but first year you're not going nowhere.
Speaker 6: Well listen, man, I'm sorry to say this, but you
Speaker 6: let yourself get walked on.
Speaker 2: You allowed it all.
Speaker 13: Because I called them, do not repair, do not put
Speaker 13: anything until you give me a print.
Speaker 2: We got to call these people.
Speaker 6: What is the name of I find this? I find
Speaker 6: this hard to believe.
Speaker 2: Craig. What's the name of this shot?
Speaker 13: And here's the thing, I have everything documented on.
Speaker 9: What's the name, Craig, what's the name of the shot?
Speaker 13: A rap ninety seven oh one, A wrap Hole Road, Centennial.
Speaker 2: Colorado, A rap a hole Keillo Mark. These guys, I
Speaker 2: know who they are.
Speaker 6: How the hell I think they it used to I
Speaker 6: think it's a deal in Doug, but he might have
Speaker 6: sold it. How many how many miles were on this
Speaker 6: when you brought it in?
Speaker 13: One hundred and sixty eight thousand? And the car has
Speaker 13: meant looks like it barked out?
Speaker 2: Hey, Kevin?
Speaker 6: Kevin, Yes, sir, it does eight grand sound reasonable for
Speaker 6: a car that was well, no, it's still not working
Speaker 6: for eight grant?
Speaker 12: None of us sounds reasonable. No, they just knee jerked it.
Speaker 12: It's got the milads and the transmission ship. We need
Speaker 12: someone to help this guy.
Speaker 6: Craig, you're out of your league with these people. They're
Speaker 6: just walking all over you.
Speaker 9: Well, I think we need to call the as crazy
Speaker 9: as as sounds man.
Speaker 10: Yeah, because they can't and work.
Speaker 6: Well, how much have you paid him before? We keep
Speaker 6: going back? Ten hundred Okay, so calm down on that part.
Speaker 10: Now, he just needs his car to get to work.
Speaker 9: He said, you know what, Kelly, let's give them a
Speaker 9: call over it a wrap a hookia.
Speaker 6: This is the most this is the most abusive story
Speaker 6: I've ever heard of. It's true that they they charge him.
Speaker 6: Hold on, here's what they say. They basically, honest to God,
Speaker 6: said to him, hey, you're gonna need a transmission. It's
Speaker 6: going to be sixty five hundred bucks, right, and no
Speaker 6: thirty five whatever whatever. And so then that didn't work.
Speaker 6: So he gets punched in the face. And then they said,
Speaker 6: but now we have to do something else. That didn't work.
Speaker 6: He gets punched in the face again. And then they said, oh,
Speaker 6: that didn't work, we need to do more, and he
Speaker 6: gets punched in the face again.
Speaker 2: That's what we have right now, we have.
Speaker 9: I don't I think it's a deal and Doug anymore,
Speaker 9: thank God.
Speaker 6: No, No, we have people punching him in the face.
Speaker 6: They just keep doing it over and over and over
Speaker 6: and over.
Speaker 13: Well, I mean, my biggest problem is we got a
Speaker 13: bunch of rookie mechanics straight out of mechanics school that
Speaker 13: have no experience. So I'm paying for their experience while
Speaker 13: they well, let's try this, let's go, it didn't work.
Speaker 13: Let's try something like you get a five tire on
Speaker 13: your car.
Speaker 10: Oh, let's replace.
Speaker 13: All four tires, you know. Let's let's up sale, um sale, upsell.
Speaker 13: Because I think the service rider gets permission on as
Speaker 13: much money as he can get out of the customer.
Speaker 13: That's why I think's going on all right.
Speaker 6: By the way, all those face punches he took him,
Speaker 6: he keeps taking them too.
Speaker 2: We got more coming right up.
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Speaker 2: You don't pay a cent until you're content.
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Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
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Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martino
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Speaker 6: dot Com. So this story sounds outrageous, doesn't it. And
Speaker 6: we're trying to get the dealer on.
Speaker 9: Dealers sung up on Kelly and I happen to overhear
Speaker 9: the conversation.
Speaker 2: She no, she was bending over back nice.
Speaker 10: Yep.
Speaker 2: Here's the bottom line.
Speaker 6: He is saying a rapp a ho key is spent
Speaker 6: so far, or or are going to charge him so
Speaker 6: far eight grand for a transmission and a PCM and
Speaker 6: that still did not correct the problem. I don't see
Speaker 6: how it can't correct a problem. I mean, if a
Speaker 6: car stuck in gear and you put a whole new
Speaker 6: PCM and transmission in it, Kevin, what is there left
Speaker 6: not to work?
Speaker 12: Well, you've got all the wiring in between. I mean
Speaker 12: it could have anything. There's a number of things that
Speaker 12: they should have checked before they start ripping parts.
Speaker 6: But and then so now he has a bill of
Speaker 6: eight grand, a bill of eight grands paid fifteen.
Speaker 2: Hundred down unless he signed for the overage.
Speaker 12: He signed the initial estimate for the three grand thirty
Speaker 12: two hundred, but he didn't sign any approval for anything more.
Speaker 12: They got ten percent or one hundred bucks? Is their
Speaker 12: only leeway in that rule?
Speaker 2: Well, that's not Kevin.
Speaker 6: All they have to do is say that they got
Speaker 6: his approval by phone and have a time and date
Speaker 6: on there.
Speaker 12: Well, if he can prove he didn't call him or
Speaker 12: they didn't call him, I mean it's.
Speaker 6: I know, yeah, Craig, where did you leave it with
Speaker 6: them at this point?
Speaker 13: And they and they just called me. I didn't answer
Speaker 13: the phone because I didn't want to lose my connection
Speaker 13: with you guys.
Speaker 2: What did they say seconds ago? They just called you?
Speaker 7: Yeah, yeah, okay, I want you to call him back.
Speaker 6: But Craig, how before you called us? How did you
Speaker 6: leave it with them at a rapa ho Kiah?
Speaker 13: What you mean from the beginning or now where is.
Speaker 2: It at right now?
Speaker 6: When's the last time you talked to the service department
Speaker 6: at a rapa Hokia.
Speaker 7: Yesterday?
Speaker 2: And what did they say to you yesterday?
Speaker 13: They only let you talk to who's ever on working
Speaker 13: on your car?
Speaker 2: And what did they say to you?
Speaker 13: Wasn't there?
Speaker 2: Okay?
Speaker 7: Nothing?
Speaker 13: They said, you have talked to him and he's on
Speaker 13: lunch break.
Speaker 6: Okay. Then before that, I need to know the lat Craig.
Speaker 6: I need to know the last time you talked to
Speaker 6: someone that gave you information.
Speaker 13: They text me a lot of times. It's hard to
Speaker 13: get a hold of them on the phone.
Speaker 6: They okay, when was the last time they texted you something?
Speaker 13: Yesterday at three h eight pm they sent me a
Speaker 13: text saying, we have submitted the request data to the engineers.
Speaker 13: We'll let you know once they respond.
Speaker 2: Okay, so hold on.
Speaker 6: They had to send Kia engineers because they can't replace
Speaker 6: a transmission and a PCM properly.
Speaker 2: Is that right?
Speaker 13: They can't.
Speaker 7: They can't figure out why.
Speaker 13: Now it's in worst condition. Now it's stuck in first year.
Speaker 9: These guys sound like clowns in my opinion. Man, this
Speaker 9: is unbelievable.
Speaker 10: Not that complicated a car.
Speaker 6: It's not that complicated of a car. I want to
Speaker 6: warn people about the service department.
Speaker 2: I want to warn them. I'm serious.
Speaker 6: If this guy is having this much trouble right now,
Speaker 6: A bills up to eight grand and it's still not running,
Speaker 6: and they it might be ten to fifteen. What are
Speaker 6: you kidding me? Listen, Craig, they just called you. See
Speaker 6: if they left you a voicemail, call them back, call
Speaker 6: them back, then call us back. Let us know what
Speaker 6: these clowns are doing. A wrap a ho kiah people
Speaker 6: a rap hokiah. Keep that in mind and we'll report
Speaker 6: back to what we find. Three oh three seven one
Speaker 6: three talk seven one three eight two five. This is
Speaker 6: unbelievable to me, Pam, Oh no, no, wait, Mike, let
Speaker 6: me ask you. Let me let me get a Mike
Speaker 6: in first. Mike, what is your issue with the Better
Speaker 6: Business Bureau or a question?
Speaker 1: Oh Tom, it's a question. I continue to run across
Speaker 1: people that tell me you got to go to the
Speaker 1: Better Business Bureau and check on companies, et cetera. When
Speaker 1: I have personally done that in the past, I have
Speaker 1: found that their information is not up to date. That's right,
Speaker 1: doesn't necessarily reflect where the company's still in busit.
Speaker 6: Let me explain something the Better Business Bureau. I've said
Speaker 6: this before they are a fossil.
Speaker 1: That's what I thought, Tom, And that's the reason I
Speaker 1: called because I seem to recall you saying it's ridiculous
Speaker 1: that the BBB that people still continue to look at
Speaker 1: that they don't do anything.
Speaker 6: They don't do anything, they don't help people, they don't
Speaker 6: do anything.
Speaker 2: I'll put up the money.
Speaker 6: I've recovered against the Better Business Bureau any day, any week,
Speaker 6: any month, any year, and they get to pick it.
Speaker 6: These people are useless. They collect money from businesses and
Speaker 6: they do nothing. Even their information is inaccurate. They mark
Speaker 6: you were talking about what you just looked up just
Speaker 6: a minute ago?
Speaker 9: What did you find a rap a hokiyah who we're
Speaker 9: talking about? Listen, twenty three complaints in the last three years,
Speaker 9: four in the last twelve months, seven reviews with an
Speaker 9: average rating of one. In fact, I think all of
Speaker 9: them are And guess what their BBB rating is, And
Speaker 9: all the information I just read is from.
Speaker 2: The BBB, and what's their rating? Mark a freaking plus A.
Speaker 1: Plus that scene. That's that's why I wanted you guys
Speaker 1: to reiterate.
Speaker 2: We've talked about that forever though.
Speaker 6: Bro, they're dinosaurs, They're fossils. They don't belong in business.
Speaker 6: That the better Business Bureau should be called the worst
Speaker 6: better the worst business bureau, that's what they should be called,
Speaker 6: the worst business bureau.
Speaker 1: I needed to hear it.
Speaker 6: There have been people in prison with an A plus rating,
Speaker 6: in prison for fraud with an A plus rating.
Speaker 1: Yep, you know, isn't it amazing? I mean, it's it's
Speaker 1: stunning out there.
Speaker 2: It's actually worse than that time.
Speaker 9: It was a guy that stole twelve million dollars and
Speaker 9: went to prison for over ten years, and a year
Speaker 9: into it, a year into it, he was Don Eiley.
Speaker 9: He was still a plus with the BBB Ailean associates.
Speaker 6: I know, I know, listen, folks, We've got to take
Speaker 6: a break. I'm Tom Martinez three oh three seven one
Speaker 6: three Talks seven one three eight two five five. One
Speaker 6: Clear Choice Garage Doors, as I told you, one of
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Speaker 6: will get you all of their services and prices. No
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Speaker 2: You don't pay a cent until you're content.
Speaker 6: Time for an insurance check up free, no obligation comparison
Speaker 6: call Compass Insurance paying too much your coverage at dozens
Speaker 6: of insurance companies find out now three oh three seven
Speaker 6: to seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: all three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 6: you are troubleshooter three all.
Speaker 2: Three seven one three talk. So I tried to call
Speaker 2: over to a rap.
Speaker 9: A ho Kiah Thomas, Yes, sir, so the guy I
Speaker 9: you know, you know, I'm nice.
Speaker 6: I say, hey, hey, you know what's going on? And
Speaker 6: he goes hold on like he's going to get a manager.
Speaker 6: Next thing I know, they picked the phone back up click.
Speaker 6: In my opinion, a rap Kea is doing the wrong thing,
Speaker 6: just not even giving us information quite frankly. But then
Speaker 6: I started thinking, do you think it's possible this caller, okay,
Speaker 6: has no clue about anything? Because the more I think
Speaker 6: about it, if it truly is true what he's saying,
Speaker 6: you bring it in. They sell you a transmission for
Speaker 6: thirty two hundred bucks. Then they call you up and says, whoops,
Speaker 6: that didn't fix it.
Speaker 2: You need this.
Speaker 9: Then they say it's going to be six thousand with
Speaker 9: the PCM and the transmission, because you're still going to
Speaker 9: charge him for that apparently. And then they call back
Speaker 9: and say, whoops, that didn't do it either.
Speaker 6: It needs something else. And now he's up to what
Speaker 6: twelve grand or something? He's up to eight And now
Speaker 6: they're saying they got to reach out to Kiya. Do
Speaker 6: you really think he knows what he's talking about when
Speaker 6: he said I want to charge him.
Speaker 2: Here's what I think.
Speaker 6: I think for any guy to be that confused, they
Speaker 6: have to.
Speaker 2: Be doing something wrong.
Speaker 6: But I also think he's probably not the sharpest pencil
Speaker 6: in the in the in the pencil drawer.
Speaker 9: Well, this is a to me them hanging up. Is
Speaker 9: you come back on and say sorry we can't talk.
Speaker 9: Your number did be in calls? What number did you
Speaker 9: I called?
Speaker 2: Hold on? Let me look at my phone.
Speaker 9: And the other thing is, once again, if you look
Speaker 9: at them on the BBB, you can't believe it.
Speaker 6: You know what.
Speaker 9: I sat next to Deal and Doug not long ago
Speaker 9: at a Rockies game and we had a great conversation.
Speaker 9: I find it very hard believe based on the complaints
Speaker 9: we have had in the last couple of years, which
Speaker 9: is almost zero, that they're actually doing this. But if
Speaker 9: this is a true story from this old guy, this
Speaker 9: is absolutely outrageous. Three oh three eight seven four twenty
Speaker 9: five hundred three oh three eight seven four twenty five
Speaker 9: hundred and God help me. I hope this old man
Speaker 9: is confused, because if they truly want to charge him
Speaker 9: eight thousand dollars for stuff that wasn't wrong and didn't
Speaker 9: fix the car, they can kiss my ass.
Speaker 2: I'll talk about them the rest of my life. No, no, no, no,
Speaker 2: I don't like him, Mark, I just don't like him.
Speaker 2: I don't like him. I don't like him.
Speaker 6: This is a This is to have a customer this
Speaker 6: confused is wrong within itself. And then they can then
Speaker 6: what they tell Kelly. They said, well, we have a
Speaker 6: policy of only talking to the customer. She said to him,
Speaker 6: he's on the air right now. We'll be happy to
Speaker 6: patch him in. We'll be happy to call you off
Speaker 6: the air and talk with him. A click they hang up, right,
Speaker 6: And you know what, people let you know a rap okia,
Speaker 6: let them know that you don't care what the Better
Speaker 6: Business Bureau, the Brontosaurus of agencies, the dinosaurs and fossils
Speaker 6: of the old time, an old error.
Speaker 2: You know.
Speaker 6: I find it hard to believe that there are businesses
Speaker 6: that still join the Better Business Bureau.
Speaker 2: It's swear it. I can't believe.
Speaker 6: And they did a hell of a job.
Speaker 9: No matter what anybody says, the BBB has done probably
Speaker 9: the best job I've ever seen at convincing people there's
Speaker 9: some kind of government entity. It's really remarkable when it
Speaker 9: comes to their marketing. Really, people think they have something
Speaker 9: to do with the government, whether local or federal.
Speaker 6: People really think or or that there's some kind of
Speaker 6: kind of an official agency, and they're not.
Speaker 2: They're nothing.
Speaker 9: So if you go to the VBB right now seven
Speaker 9: customer reviews number one one star for a Rapo Hokiya Katie,
Speaker 9: number two one star, Angel number three one star, Michael C.
Speaker 9: One star, ANGELA one star, Jeffrey one star.
Speaker 6: It's unbelievable.
Speaker 2: I know it is.
Speaker 7: I know.
Speaker 6: Then right next to it, in big, big beautiful letters,
Speaker 6: as Trump would say, the most beautiful letters I've ever seen,
Speaker 6: it says A plus crazy crazy this is, you know,
Speaker 6: So if you depend on them, you'd be going to
Speaker 6: a guy in prison for fraud as an A plus
Speaker 6: rated accountant accountant A plus who took twelve million dollars
Speaker 6: from small businesses around Colorado.
Speaker 2: Think about that.
Speaker 6: The BBB, the small business people, they this guy ripped
Speaker 6: off their own.
Speaker 2: People and they got a nuke to plus. Hold on.
Speaker 2: Pam's been waiting too long.
Speaker 6: I know I have to take a break, but let
Speaker 6: me get started here, Pam.
Speaker 2: What is the issue with your apartment?
Speaker 21: Pam him. Yes, I wrote all this down so that
Speaker 21: we could go through it pretty quick. I'm a tenant
Speaker 21: in a luxury apartment, but it's not luxury. I started
Speaker 21: with my complaint about smoking on a non smoking property.
Speaker 21: I went seven times to the management downstairs to discuss it.
Speaker 21: And since I have gotten in an argument with.
Speaker 6: The management, Hey, Pam, can you smell the Do you
Speaker 6: see people smoking or just smell it?
Speaker 1: Oh?
Speaker 21: Yeah, absolutely?
Speaker 2: Which one was?
Speaker 21: I want a smoker?
Speaker 2: You see the marijuana smoker. You saw someone.
Speaker 21: Smoking on their patio, and then I see other people
Speaker 21: that are smoking cigarettes and I've got I've got pictures.
Speaker 9: So you're not allowed to smoke on your own patio
Speaker 9: or just inside.
Speaker 2: I just don't know Noka.
Speaker 21: Non smoking property, and so I went down. I've gone
Speaker 21: down seven times and talk to management to see if
Speaker 21: something could be done. Well, then finally when I went down,
Speaker 21: I know who's smoking that marijuana. It's on this in
Speaker 21: this apartment. So I he said, we'll all go take
Speaker 21: care of it. And I said, well, I'm going to
Speaker 21: go with you, and he said, no, you're not going
Speaker 21: to go with me. You can't go.
Speaker 2: That's probably not a good idea.
Speaker 6: No, no, I agree with that. Hold on, let me
Speaker 6: come right back to I'm Tom Martine. We will come
Speaker 6: back to her complaint right after this. Go with a
Speaker 6: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 6: don't pay a cent until you're content. Time for an
Speaker 6: insurance check up free, no obligation. In comparison, call Compass
Speaker 6: Insurance paying too much your coverage at dozens of insurance
Speaker 6: companies find out now three o three seven seven to
Speaker 6: one help. You'll think you're his only customer when you
Speaker 6: choose Frank durand the real estate Man dot com to
Speaker 6: list your home with Remax Alliance three oh three nine
Speaker 6: two zero sixteen twenty two. Hi Tino here, three oh
Speaker 6: three seven one three talk seven one three eight two
Speaker 6: five five.
Speaker 2: Let's go to the.
Speaker 6: Phones and and let's see who do.
Speaker 2: We talk to? Whoever, who should I take?
Speaker 6: Uh, well, let's go back to her about the apartment, Pam.
Speaker 6: So you were a tenant in an apartment, you saw
Speaker 6: people smoking, you complained seven times, and then you got
Speaker 6: into an argument with the manager.
Speaker 21: Well what happened was he said he'd go up because
Speaker 21: he didn't know where it was at. And I told
Speaker 21: him where it was at. So I said, now this,
Speaker 21: I said I would, so I said I'd like to
Speaker 21: know and he said no. So anyway, I followed him,
Speaker 21: but the tenant didn't see me. It was around the corner. Well,
Speaker 21: the tenant admitted he'd smoke in marijuana, and so then
Speaker 21: the manager comes around the corner and he said, I
Speaker 21: told you in yelling at me, I told you not
Speaker 21: to follow me. Why would you do that? And I
Speaker 21: said because I wanted to make sure you were doing
Speaker 21: something because nothing's been done so far. So anyway, he said,
Speaker 21: I'm going to I'm going to do a cease in.
Speaker 3: This order on you.
Speaker 22: So that wasn't good.
Speaker 21: So anyway, where I'm at right now, Tom is I've
Speaker 21: written three letters for a termination of leaf and I've
Speaker 21: been closed pictures. One of the main things here also
Speaker 21: is the safety wait for paying for this lecture. Rodge
Speaker 21: door has been broken and anybody can come in and
Speaker 21: out of the back round.
Speaker 9: I think grad O'Brien for after the breakd time. I mean,
Speaker 9: she's got so much going on.
Speaker 6: Hey, Pam, Pam, I want to ask you one thing wrong, Pam.
Speaker 6: I want to ask you something. No, no, we were
Speaker 6: saying we're going to talk to we were going to
Speaker 6: talk to our attorney about it for you. But I
Speaker 6: want to ask you something. Will they let you out
Speaker 6: of the lease?
Speaker 21: You know, I've written three letters they won't. At one
Speaker 21: point I had said I would not go down because
Speaker 21: he was harassing me.
Speaker 2: How long have you How long have you lived there?
Speaker 13: I've lived there.
Speaker 21: I just renowed my lease in September. I lived there
Speaker 21: a year and now he wats September the lyrics?
Speaker 6: Okay, so well, so the how is the smoking affecting you?
Speaker 21: Well, it's affected me. I have buff I've got a
Speaker 21: doctor's letter here. I have pulmonary fibrosis. Okay, it's a
Speaker 21: non smoking upbuilding. Plus I have a doctor's note also
Speaker 21: about my anxiety and how.
Speaker 6: Yeah, but that part I can't help you with. I
Speaker 6: can help you with. But if they're smoking on the deck,
Speaker 6: can you actually smell it?
Speaker 2: Yeah, you can smell marijuana driving through Denver.
Speaker 6: Oh all right, hold on, hold on and we'll come
Speaker 6: back to you. Let's try to get Brad O'Brien on
Speaker 6: more coming up. Go with a sure thing Denver's best
Speaker 6: roofer Excel Roofing dot com. You don't pay a cent
Speaker 6: until you're content. Time for an insurance checkup free, no obligation.
Speaker 6: In comparison, call Compass Insurance paying too much your coverage
Speaker 6: at dozens of insurance companies find out now three all
Speaker 6: three seven seven one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: oh three nine two zero sixteen twenty two.
Speaker 4: Ripped of.
Speaker 2: News, need advice? Who you don't have?
Speaker 7: You?
Speaker 4: Come running just as fast as we can. Shooter's gonna help.
Speaker 5: Come man, This is the Troubleshooter Show. Now, Tom Martine, Hi.
Speaker 6: Tom Martino here, Welcome to the show. Three oh three
Speaker 6: seven one three talks seven one, three, eight, two five five.
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Speaker 9: And say Craig's back up with an update from a
Speaker 9: rapa ho Kia.
Speaker 6: Oh, I want to I want to, Well, why don't
Speaker 6: you sum it up?
Speaker 2: Mark some of up?
Speaker 9: Well, there's not much to sum up, according to the caller.
Speaker 9: And I still find it hard to believe he brought
Speaker 9: his vehicle in because it was stuck in fourth gear.
Speaker 9: It's like a twenty seventeen Kia something or other. They
Speaker 9: put a transmission in it. After they get it approved
Speaker 9: by him, it's thirty two hundred bucks. Then they call
Speaker 9: them up, according to Craig, and say, hey, that didn't
Speaker 9: fix it. We have to do something else and put
Speaker 9: a computer in it. It's going to be another three grand.
Speaker 9: So then they put that computer in it. So now
Speaker 9: we owe sixty two hundred or whatever it is.
Speaker 2: It's up to eight grand with this.
Speaker 9: Yes, now it's up to eight grand all of a sudden,
Speaker 9: and the vehicle still does not work. In fact, now
Speaker 9: instead of being stuck in fourth gear, it's stuck in
Speaker 9: first gear. And they, according to Craig, once again, are
Speaker 9: saying he's going to owe all the money for these
Speaker 9: parts that didn't fix it. And they're so over their
Speaker 9: head at this point they have to call up Kia
Speaker 9: directly and get them out. They're an engineer to figure
Speaker 9: out what's going on with his card. But once again
Speaker 9: the main problem is they're, according to Craig, wanting to
Speaker 9: charge them for everything that didn't fix it.
Speaker 6: So Craig, what's your updates.
Speaker 12: Let's also not forget that we reached out to Kia
Speaker 12: twice twice.
Speaker 10: Did they hung up?
Speaker 2: You reached out and got hung up. Yeah, they're horrible.
Speaker 9: I mean to me, their communication skills are that of
Speaker 9: a zero year old.
Speaker 13: Go ahead, Craig, right, you think that, Well, I get
Speaker 13: the same thing. It's like talking to a brick wall.
Speaker 13: I got a you know.
Speaker 10: I finally got a hold of them.
Speaker 13: After being on hold, called two different numbers. Anyways, finally
Speaker 13: got a hold of them, and CJ got on the phone,
Speaker 13: the service rider and he says, I didn't say anything.
Speaker 13: I waited for him to say something. He says, what
Speaker 13: is this about? You calling this this radio talk show?
Speaker 16: And you know we're not going to talk to them?
Speaker 13: And I said why not? He says, if you don't
Speaker 13: have nothing to hide, I says, listen, you guys told me.
Speaker 13: You know, I figured it's the five hundred and three
Speaker 13: thousand dollars figs maximum. Well, you tell me the transmission.
Speaker 10: I paid for it.
Speaker 13: I paid fifteen hundred for the part I stole aw
Speaker 13: the labor, Okay, I can pay for that right now.
Speaker 13: If that was the case, then you tell me, oh
Speaker 13: that's not it's the piece. Yeah. So now I you know,
Speaker 13: I just got the poll of them, and I says
Speaker 13: I shouldn't have to pay for that. I mean, this
Speaker 13: isn't you know, I'm paying for your going for your mcchesis.
Speaker 9: So what they say, Craig, what was their answer to
Speaker 9: everything you just dished it?
Speaker 13: I'm sorry. Their answer was, oh, well, you know, there's.
Speaker 7: Certain things that we have to check out.
Speaker 13: I go, you don't replace parts that don't need to
Speaker 13: be replaced. Bottom line is they says, we're waiting for
Speaker 13: the engineering department to get back with us, and we'll
Speaker 13: get it picked.
Speaker 10: Says I go.
Speaker 13: In the meantime, my bill's going to go up, and
Speaker 13: I don't have the money.
Speaker 9: Right right, Craig, Craig, Craig, hold on, I've got to
Speaker 9: ask you, Craig. I've got to ask you a question
Speaker 9: after the conversation where they still saying they were going
Speaker 9: to charge you for the parts.
Speaker 2: That did not fix it?
Speaker 10: Right, yeah, yeah.
Speaker 9: Okay, you know what, Craig, I want to meet you
Speaker 9: there at two fifteen today. I will meet you at
Speaker 9: a rap a ho key at two fifteen.
Speaker 6: But Craig, when you asked him though, that's a good question, Mark,
Speaker 6: and I hope you do meet him. But when you
Speaker 6: did say to them, though, Craig, do you expect me
Speaker 6: to pay for repairs that did not fix the problem.
Speaker 6: What do they say?
Speaker 13: They always told me, well, you know, we'll work with you.
Speaker 10: I go, what does that.
Speaker 13: Mean we'll work with you?
Speaker 2: Well, that's a lot different, Craig.
Speaker 13: We have finance companies that you can get financed.
Speaker 2: Well, that's not a differential. No, no, no, no, Craig.
Speaker 2: Can you get there at two fifteen?
Speaker 7: Ye?
Speaker 2: Your neigh bro?
Speaker 13: Yeah? But I you know, I know, you know. Do
Speaker 13: you think that's a good idea?
Speaker 2: What do you mean it's is your car still there?
Speaker 7: Yeah?
Speaker 9: Okay, then let's go down while you're there, and I'll
Speaker 9: have a conversation with whomever you're dealing with, and let's
Speaker 9: get to the bottom of it. Because, quite frankly, I'm
Speaker 9: going to be very honest with you, Craig, and I
Speaker 9: don't mean this as an insult, because I'm going to
Speaker 9: meet you and.
Speaker 6: Help you out and drag you through this. But I
Speaker 6: don't think you know what you're talking about. I find
Speaker 6: it hard to believe a dealing Doug franchise or ownership
Speaker 6: whatever the hell he calls him, a dealership is doing this.
Speaker 2: But we're gonna find out, damnit.
Speaker 6: And if they are doing it, we're gonna let everybody
Speaker 6: know what they're doing, and they're.
Speaker 13: Gonna lie to you just like they lied to me.
Speaker 6: Well, okay, they can lie to me all the time, Craig,
Speaker 6: I'm putting you on whole brother. Here's the bottom line, Kelly.
Speaker 6: Tell them I'll be there at two fifteen. Give Craig
Speaker 6: my cell phone number. If I get there and he's
Speaker 6: not there and he doesn't call me, I'm gonna lose
Speaker 6: it on Craig. Okay, all right now, Pam. Back to Pam. Pam,
Speaker 6: we can't get a hold of our real estate. We
Speaker 6: can't get a hold of our real estic state attorney.
Speaker 21: I said, what's where it's at right now is I've
Speaker 21: written letters of termination. I've decided I'm going to terminate
Speaker 21: my leaf. I wrote one on October twentieth. I wrote
Speaker 21: another one on October thirtieth, and I'm not one that
Speaker 21: I haven't sent to them up for November and I've
Speaker 21: heard nothing. There's nothing, no response whatsoever from them about
Speaker 21: about it.
Speaker 2: Is that here's what I'm going to do. No, here's
Speaker 2: what we're going to do.
Speaker 6: You have to do this the correct way, and if they,
Speaker 6: if they, they might let you out of the least
Speaker 6: because you can't stand the smoking. And what what I'm
Speaker 6: going to do is I'm going to have Deputy.
Speaker 2: Doc A call down there for.
Speaker 21: You can meet me here.
Speaker 2: No, No, I don't know.
Speaker 21: I'm just kidding. I'm just kidding, Tom.
Speaker 6: He is he is looking for he's on the prowl issue,
Speaker 6: will yes, Pam.
Speaker 21: So, Tom, there is a safety issue with the garage
Speaker 21: door being open.
Speaker 13: So I know that.
Speaker 6: So I understand it's probably better you get out of there.
Speaker 6: It sounds like you're very unhappy. Can I ask a question, though?
Speaker 6: Where is this place hold on? Guys, Pam? I really
Speaker 6: want to know.
Speaker 13: So it's is it?
Speaker 9: Is it all this stuff or is there something another
Speaker 9: reason you want to get out of there? Because you
Speaker 9: were there a year and none of this seemed to
Speaker 9: be a problem. Now everything's a problem.
Speaker 21: Well, the thing is, I don't know when this guy
Speaker 21: came in with the marijuana smoking. I've just noticed it
Speaker 21: since I It wasn't that first year. I didn't have that. Okay,
Speaker 21: it's just been since you know.
Speaker 6: I'm telling you, what does he smoke or does.
Speaker 21: He pardon No, I don't know it was marijuana. I mean,
Speaker 21: it was so strong you couldn't. I have a lovely patio.
Speaker 21: I keep my apartment beautiful, and I'm seventy point in.
Speaker 22: Your house the whole time.
Speaker 21: And my husband's eighty two, and I couldn't even sit
Speaker 21: down on this patio because of smell. I don't know
Speaker 21: if you ever smelled marijuana.
Speaker 16: Was so I never smelled it.
Speaker 21: Oh my god, you would never forget it for the
Speaker 21: rest of your life.
Speaker 9: I heard if you smell it, you're act actually getting
Speaker 9: a buzz off of it. Is that true time?
Speaker 16: I never spilt.
Speaker 21: I've never smelled it in my life.
Speaker 2: It depends on how deep you breathe. I remember I
Speaker 2: was smoke you know.
Speaker 6: I was a kid of the sixties and seventies. I
Speaker 6: never smelled it in my life. Not at any of
Speaker 6: the concerts he went to at Virginia. Yeah, not at
Speaker 6: college there. I didn't smell any marijuana anywhere.
Speaker 21: So anyway, three or three yeah, maybe doing I don't know,
Speaker 21: but anyways, I mean, he admitted it.
Speaker 6: He listen on a serious note, seriously, if it's a
Speaker 6: non smoking establishment, it should be non smoking, and you
Speaker 6: have a right to expect it.
Speaker 2: I mean, no, I'm serious about that.
Speaker 6: So I don't blame you for being upset, and that's
Speaker 6: why we're putting deputy.
Speaker 9: Do you think Tom really she could do a constructive
Speaker 9: eviction based upon someone smoking outside on their.
Speaker 2: Patio because it's a no smoking building.
Speaker 6: Okay, I mean, I mean they're violating they're violating her
Speaker 6: own you know. Yeah, the door, the safety thing with
Speaker 6: the door, that's something too.
Speaker 2: But you know, here's the deal.
Speaker 6: If somebody wants to get out, that's different.
Speaker 2: Why would you keep someone?
Speaker 20: Now?
Speaker 6: If she wanted to try to force them to do
Speaker 6: something about it, that might be where it becomes more
Speaker 6: difficult three all three seven one three talks seven one
Speaker 6: three eight two five five. Go with a sure thing
Speaker 6: Denver's Best roofer Excel Roofing dot com. You don't pay
Speaker 6: a cent until you're content. Time for an insurance check
Speaker 6: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 6: too much your coverage at dozens of insurance companies find
Speaker 6: out now three all three seven seven to one help
Speaker 6: You'll think you're his only customer when you choose Frank
Speaker 6: durand the real estate Man dot com to list your
Speaker 6: home with Remax Alliance three nine two zero sixteen twenty two.
Speaker 2: Hi, Tom Martin know three all three seven on three
Speaker 2: talk seven and three two five to five. All right,
Speaker 2: So what have we got going on? Let's talk.
Speaker 6: Let's talk to you about your problems, questions and complaints.
Speaker 2: And Pete wants to talk about selling a business. Hi Pete,
Speaker 2: what's going on?
Speaker 6: Hi?
Speaker 7: Guys, thanks for thanking Michael.
Speaker 25: I've been listening. Let's start you guys started.
Speaker 2: I think, thank you man.
Speaker 25: I have a small business and I just turned seventy
Speaker 25: and it's time to retire.
Speaker 13: I think I.
Speaker 25: Don't really know that. I've been told one to three
Speaker 25: times a year's profit is a reasonable price for a
Speaker 25: small business?
Speaker 2: Well, okay, there is.
Speaker 6: It depends really on the on the field you're in,
Speaker 6: because there is no real rule.
Speaker 2: Of thumb that works for every circumstance.
Speaker 6: So if you want to just talk about your business,
Speaker 6: we can try to give you advice based on past
Speaker 6: past experience.
Speaker 2: So what is your business?
Speaker 25: I can't we talk about that. I don't want them
Speaker 25: to know.
Speaker 2: Well, how man?
Speaker 7: You?
Speaker 2: How about asset wise?
Speaker 9: Like, when you sell your business, if I was going
Speaker 9: to buy it, does it include equipment? Truck stuff like that?
Speaker 9: What does it include? And what's the dollar amount of
Speaker 9: that stuff?
Speaker 25: It really only includes a customer list opportunity for them
Speaker 25: to eliminate their only competitions and remove the option for
Speaker 25: their often unhappy customers.
Speaker 6: But okay, so you can't say anything about what kind
Speaker 6: of business?
Speaker 2: Is it a service business?
Speaker 25: It's a service business?
Speaker 10: Okay, kids?
Speaker 2: What's that?
Speaker 25: It involves kids?
Speaker 2: Okay?
Speaker 6: So if you have a service business that involves kids
Speaker 6: and you have a customer list only, they're not getting
Speaker 6: they're not inheriting a lease, they're not inheriting any equipment,
Speaker 6: they have no real estate, nothing but a customer list,
Speaker 6: I think. And how big is the customer list?
Speaker 25: Okay, one hundred names on it? But portional to them?
Speaker 10: I know that.
Speaker 6: I'm asking you how many active customers active are on
Speaker 6: your list?
Speaker 13: Thee hundred right now?
Speaker 9: And do they pay monthly yearly? Are they repeat customers?
Speaker 25: They pay a month a monthly fee one hundred and
Speaker 25: twenty five dollars apiece?
Speaker 2: And how long have they been with you? The average.
Speaker 25: Turns over, say at about one hundred to one hundred
Speaker 25: and twenty five all the time entry.
Speaker 6: Okay, and so they get one hundred and twenty So
Speaker 6: you're making every month twelve thousand, five hundred.
Speaker 2: Hello, he's probably got expenses, I would again, Well, I.
Speaker 6: Know, but I'm talking about gross revenue. Is it twelve
Speaker 6: five hundred a month, sir.
Speaker 7: Five hundred a month?
Speaker 25: And I don't have a lot of expenses because I
Speaker 25: trade frail service to a big business for a back
Speaker 25: corner of their business to run my business.
Speaker 6: I'm getting it, but it's it's still not Listen carefully,
Speaker 6: it's random.
Speaker 2: What's that?
Speaker 13: And grand a month?
Speaker 11: Is there a service that you personally provide?
Speaker 2: What time?
Speaker 6: What time does it take you? I feel like we're
Speaker 6: on a trivia show. I don't know this thing so
Speaker 6: top secret you can't say what it is because he
Speaker 6: doesn't want his competition.
Speaker 2: To know that he's selling.
Speaker 11: God, Listen, if it's a service that you provide, it's
Speaker 11: going to be much more. Let me give you an example.
Speaker 11: When one of my colleagues decided to retire and sold
Speaker 11: me his patient list. The number of patients that actually
Speaker 11: came to see me was much less because they wanted
Speaker 11: to see him and they were traveling from parts of the.
Speaker 6: But but there's more to it than that. If it's service,
Speaker 6: but the main the main factor that's called retention. Okay,
Speaker 6: that that's normal retention. You're gonna get a reduction. The
Speaker 6: real thing to consider is the time. In other words,
Speaker 6: if this guy, if you have one hundred customers, but
Speaker 6: it takes you several hours. Many owners don't consider their time,
Speaker 6: and their time is an expense because if someone buys
Speaker 6: your list, they will have to substitute that time to
Speaker 6: service the list.
Speaker 2: So I'm just asking a simple question.
Speaker 6: If you have one hundred clients, what does it take
Speaker 6: to service those one hundred clients?
Speaker 2: How many man hours does it take?
Speaker 25: Work about fifteen hours a week?
Speaker 2: Who you do?
Speaker 10: I do?
Speaker 2: Okay? So when you go, well, of course it no employees.
Speaker 6: But your time's worth something. Okay. So if you're working
Speaker 6: sixty hours to get those one hundred clients, what is
Speaker 6: your time worth? Because if you're not there, someone's got
Speaker 6: to substitute those sixty hours to service those one hundred clients.
Speaker 2: So they're not inheriting one hundred clients.
Speaker 6: They're inheriting way less than that. When you take the
Speaker 6: expenses involved, or you take the one hundred times the
Speaker 6: fifty time, you take the one hundred times the one
Speaker 6: twenty five, that's what you say, so, then you have
Speaker 6: twelve five. Now you have to subtract from twelve five
Speaker 6: sixty hours of labor. What is labor worth?
Speaker 25: Customers can just plug into their system.
Speaker 6: So it doesn't take There is no labor whatsoever to
Speaker 6: maintain one hundred customers and what's that?
Speaker 25: Just go away and they just plug my people into
Speaker 25: their system.
Speaker 2: Someone else is doing it and making money off of
Speaker 2: it as well.
Speaker 6: Tom, I understand that, but he says they're just going
Speaker 6: to plug his So when they take on and I'm
Speaker 6: really trying to understand this, when they take on one
Speaker 6: hundred new customers, there will be not one cent of
Speaker 6: in increase in their expenses, is what you're saying.
Speaker 25: A big franchise accommodate one hundred more people in a heartbeat.
Speaker 6: Without any increase in expenses. I just keep asking until
Speaker 6: I get an answer. They will have not because if
Speaker 6: that's more person, okay, because you know, I'm not saying
Speaker 6: I'm not saying you don't have anything to sell, but
Speaker 6: you have twelve five hundred in revenue to sell.
Speaker 2: That's what you have minus expenses.
Speaker 6: So whatever, if it's only one person, you don't have
Speaker 6: a lot of expenses. So Let's say you have ten
Speaker 6: thousand a month to sell in revenue. But then again,
Speaker 6: that's not guaranteed revenue. As Deputy Doc said, now we
Speaker 6: got retention. Do you think if your customers went somewhere
Speaker 6: else they would stay with that someone else.
Speaker 7: I've utch your choice.
Speaker 2: Okay, because you're the only two games in town, are.
Speaker 25: For my competition to eliminate me as their competition you
Speaker 25: don't have.
Speaker 2: This is like Peewee's Fun House. How many listen?
Speaker 6: Man, you're really trying to get advice, yet we're getting
Speaker 6: no information. May I ask another question? How many customers
Speaker 6: do they have?
Speaker 25: Probably fifteen hundred or two thousand.
Speaker 6: Okay, you're not competition, they think I am. Well, if
Speaker 6: they think you are and you have one hundred customers,
Speaker 6: then maybe they'll just buy you to get you out
Speaker 6: of business. So why don't you just yeah? Yeah, but
Speaker 6: I don't know. How How much do you think it's worth?
Speaker 6: That's a really important question. You know what you want?
Speaker 6: How much do you want in.
Speaker 25: One year's profits?
Speaker 6: What is your one year's profit on those people? If
Speaker 6: you take the gross revenues, the gross revenues come to
Speaker 6: one hundred and fifty.
Speaker 9: Grand, probably about one hundred after the fifteen hours a week, so.
Speaker 2: You would sell them for about one hundred grand? Is
Speaker 2: that right?
Speaker 9: To answer your question what you called about, I mean,
Speaker 9: is elusive as your being, I would say you're probably
Speaker 9: right on with the three times on an all service business.
Speaker 6: If in fact they're going to retain and they're going
Speaker 6: to move.
Speaker 2: Yeah, excellent. Of course, that's the biggest part.
Speaker 9: I sold it when I sold an internet company that
Speaker 9: was based on most people paying between thirty and forty
Speaker 9: dollars a month for dial up internet. That's how long
Speaker 9: ago we're going. My competition was like AOL. When I
Speaker 9: sold that, I sold it for X times how long
Speaker 9: that customer was staying, and I got to see the books,
Speaker 9: and I also was able to see if those customers
Speaker 9: still hung around, So you can structure it like that.
Speaker 9: Once the customer hangs out for four months, you get
Speaker 9: full value for it.
Speaker 2: If they quit after.
Speaker 9: One month, you only get, you know, a little partition
Speaker 9: portion of it.
Speaker 2: Here's what they're getting for that.
Speaker 6: They're gonna get about a ten percent return on their
Speaker 6: money buying your business, ten to twelve percent, So it's
Speaker 6: you know, if it's solid, there's no reason you shouldn't
Speaker 6: be able to sell it. But as far as your
Speaker 6: original question, without knowing exactly.
Speaker 2: Wow what it is in it, I find it intriguing.
Speaker 7: Yeah, listen for somebody.
Speaker 13: I'm just seventy.
Speaker 10: I want to quit.
Speaker 2: Okay, I get it.
Speaker 6: I so really you should give if you want more
Speaker 6: of a price more. It's really more advice than off
Speaker 6: the air. At least give some information that we will
Speaker 6: not share with anyone. Okay, why don't you do that?
Speaker 6: Three oh three seven one three talks seven to one
Speaker 6: three eight two five five.
Speaker 2: We have more coming right up.
Speaker 6: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 6: dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 6: Time for an insurance checkup free no obligation comparison call
Speaker 6: Compass Insurance paying too much your coverage at dozens of
Speaker 6: insurance companies find out now three all three seven to
Speaker 6: seven to one help. You'll think you're his only customer
Speaker 6: when you choose Frank durand the real estate Man dot
Speaker 6: com to list your home with Remax Alliance three oh
Speaker 6: three nine two zero sixteen twenty two. Hi Tom Martina,
Speaker 6: you're troubleshooter. Kevin Calkin shared an autotext. Some days we
Speaker 6: have tons of calls on cars, somedays we don't. But listen,
Speaker 6: I do have a text here. Have you heard of
Speaker 6: auto shops? He had to split auto?
Speaker 2: Oh he did?
Speaker 6: I'm sorry, Mark. Have you heard of a lot of
Speaker 6: autoparts shops closing?
Speaker 2: Shannon? You have what consolidation?
Speaker 6: Oh?
Speaker 2: Shannon is not there? What consolidation? What do you mean? Well,
Speaker 2: they get bought out by other ones? Yeah, but closing locations?
Speaker 3: Oh?
Speaker 2: That I don't know. I have no idea. But who's
Speaker 2: the big game in town? When it comes in the
Speaker 2: Vega stories? AutoZone?
Speaker 9: Uh, well it's GPC genuine parts company. Most people know
Speaker 9: they're product by NAPA.
Speaker 6: Oh you think they're bigger than like Advanced Autoparts or AutoZone?
Speaker 2: Ohriley.
Speaker 9: I don't know if like those three or zero all
Speaker 9: owned by the same conglomerate.
Speaker 2: I just don't know, all right.
Speaker 6: Hey, Kim, what's going on with a roofer? Sorry for
Speaker 6: the way, Kim, what's going on?
Speaker 22: Hello? I am a homeowner in Littleton, Colorado, and three
Speaker 22: years ago, almost three years ago, I had a company
Speaker 22: that come out and repair or replaced the entire roof
Speaker 22: fourteen Since then I have had this is my third
Speaker 22: issue with that.
Speaker 2: Now was this was this an insurance claim? I take it?
Speaker 22: No, this is directly the roofing company.
Speaker 2: So you paid directly.
Speaker 6: You did not have a storm, You just had a
Speaker 6: roof replaced, yes, sir, okay.
Speaker 2: And what's who's the roofer?
Speaker 7: No?
Speaker 22: Wow, I'm wrong. It was true insurance because it was
Speaker 22: hail damage. Okay, so the insurance homeowners did pick it up.
Speaker 2: Yeah, okay, So who was the roofer?
Speaker 22: The roofing company is A and H roofing company out
Speaker 22: of Brighton.
Speaker 2: Okay, So what's your problem? Oh is it?
Speaker 22: Well, this is my third problem I've had with them.
Speaker 22: I've got a five year warranty. They did take care
Speaker 22: of the two first problems.
Speaker 2: When when was it replaced? When did you say it happened?
Speaker 22: It was the roof was replaced three years ago, about
Speaker 22: this time in twenty one?
Speaker 2: Okay, got it?
Speaker 22: Okay, November November twenty one. The first issue was about
Speaker 22: it was around Christmas, so just a couple of months
Speaker 22: after they replaced it. Yeah, my daughter looked in the
Speaker 22: front coat closet and there was a hole that you
Speaker 22: could completely see clear through the roof.
Speaker 2: Whoa okay, uh huh.
Speaker 22: And of course it comes through and it damaged the ceiling,
Speaker 22: so it's.
Speaker 9: Still under warranty, right, Yes, are these guys had a brighton?
Speaker 2: Yes? Yeah, they're on a referral list.
Speaker 13: Yeah, yes, okay, yeah, let's call it.
Speaker 2: Yeah, Kim, let's call Kim.
Speaker 6: I want to ask you a few things though. First,
Speaker 6: this hole you noticed from the closet. How long ago
Speaker 6: did you notice that?
Speaker 22: I noticed it a couple of months after it the
Speaker 22: roof was done.
Speaker 6: Did they fix it after you? Well, did they come
Speaker 6: back and fix it?
Speaker 22: Yes, sir, say, okay, fixing things since the problem and
Speaker 22: I realized that, you know, people make mistakes.
Speaker 6: I get it.
Speaker 22: The problem I'm having currently is, like I said, almost
Speaker 22: three years later, last week, with our snowstorm we had,
Speaker 22: I had come on from work and looked in my
Speaker 22: bedroom and this ceiling was completely I would say probably
Speaker 22: a twelve by twelve area on the ceiling was bubbled up, cracking,
Speaker 22: and definitely there was a week. Okay, so I have
Speaker 22: a swamp cooler on the roof. I could go into
Speaker 22: all the details of it, but I didn't know what
Speaker 22: it was. So my husband said you know he'd win
Speaker 22: orrized with swamp cooler. So my first thing was, well,
Speaker 22: maybe he did some with a swamp.
Speaker 6: Here's what I need you to do for me, Kim, Kim,
Speaker 6: I don't care about any of those details.
Speaker 2: Your roof was leaking, is that right?
Speaker 6: Yes, sir, that's all that counts. That's all it counts.
Speaker 6: Are they going to fix it?
Speaker 22: You know he come out today. Tom the owner is
Speaker 22: very good about responding, but they're wanting to patch it.
Speaker 6: Well what else? What else would you hold on? Where
Speaker 6: it depends, Kim?
Speaker 2: Where is it leaking?
Speaker 22: It's leaking around the swamp cooler?
Speaker 6: Okay, well why would you want to patch? That's exactly
Speaker 6: what should be done. But it should be done the
Speaker 6: right way. It should be picked up and reflashed and
Speaker 6: do all that right.
Speaker 22: Yes, sir, And that's my only concern is I want
Speaker 22: it done correctly.
Speaker 2: Of course you do.
Speaker 22: Yesterday morning. Yesterday morning, I had just buy a fluke
Speaker 22: before I had talked to Tom at anh whiffing had
Speaker 22: sagged out because I thought, well, it could be something else.
Speaker 9: So I'm trying to get him on right now, by
Speaker 9: the way, So let's do this. So we have a
Speaker 9: few minutes time.
Speaker 2: Let's take out breaking out.
Speaker 6: Okay, I'm Tom Martino, and we'll come back and get
Speaker 6: an answer from this roofing company, and then if we
Speaker 6: have time, we're going.
Speaker 2: To go to Peter as well.
Speaker 6: Right after this, go with a sure thing Denver's Best
Speaker 6: roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content.
Speaker 6: Wait time for an insurance check up free no obligation
Speaker 6: comparison call Compass Insurance paying too much your coverage at
Speaker 6: dozens of insurance companies find out now three all three
Speaker 6: seven seven to one help. You'll think you're his only
Speaker 6: customer when you choose Frank durand the real estate Man
Speaker 6: dot com to list your home with Remax Alliance three
Speaker 6: all three nine two zero sixteen twenty two. We'll shoot
Speaker 6: her three O three seven one three talk seven one
Speaker 6: three eight two five five. So let me quickly get
Speaker 6: to our callers, because uh, we don't want to run
Speaker 6: out of time here and we have dog.
Speaker 2: Oh there we go.
Speaker 6: Okay, so Kim on this roofer. We know the roofer.
Speaker 6: I mean, what I mean is that he's been on
Speaker 6: a referral list for many years. We know Tom the
Speaker 6: owner and all these people. They seem to be really
Speaker 6: good people. So we want to know what your concern
Speaker 6: is and we'll tell them, we'll call them.
Speaker 22: Okay, my concerns are. This is the third issue I've
Speaker 22: had with the replacement of the roof. My first one
Speaker 22: is is that hector come out this morning and said
Speaker 22: that he saw moved on top of the roof. Didn't
Speaker 22: even look inside of the attic inside of my home
Speaker 22: to find out where the roof cause of the weak
Speaker 22: is coming from.
Speaker 6: And wait, wait, wait, wait wait who told you? Who
Speaker 6: told you you had mold on your roof?
Speaker 22: His his foreman?
Speaker 6: Okay, now what do you mean? What do you mean
Speaker 6: mold on the roof? I don't get that because mold
Speaker 6: doesn't form on roofs.
Speaker 22: Well, apparently it's by the flat So where issue is
Speaker 22: at is by the swamp cooler.
Speaker 6: Okay, yeah, it's probably all going to come down to
Speaker 6: the swamp cooler. That's why most HVAC companies won't even
Speaker 6: install swamp coolers anymore. So we'll call out to Tom
Speaker 6: and figure it out. But are telling you it's the
Speaker 6: swamp coolers problem.
Speaker 22: No, they're saying it's a flashing problem.
Speaker 6: At it is a flashing problem. That's all there is
Speaker 6: to it. I mean, but what I want to know
Speaker 6: is I understand you're concerned because you've had a few issues.
Speaker 2: This is not the first one.
Speaker 6: If this was the only problem, you'd say, okay, but
Speaker 6: you you kind of have a feeling.
Speaker 2: That the whole job is bad. Is that what you're
Speaker 2: getting at?
Speaker 22: Yes, sir, I feel like it's being passed that they
Speaker 22: originally didn't do the work correctly well.
Speaker 6: And I doubt that, okay, And I'll tell you why
Speaker 6: I doubt it. Okay, it was done three years ago,
Speaker 6: and you've had a few problems, and they've come out
Speaker 6: for each and every one of them, and I will
Speaker 6: tell you that they're a pretty good roofing company.
Speaker 2: Look at it. I'm not I'm not making excuses for him.
Speaker 6: I swear to God. If we if you know, we
Speaker 6: can get someone to inspect it. Where are you located.
Speaker 2: First of all.
Speaker 22: In Littleton, Colorado?
Speaker 6: Okay, I'm we can probably ask Henry to go out
Speaker 6: and look at it. You know, we can ask someone
Speaker 6: to go out and look at it. But I wouldn't
Speaker 6: assume you have a bad roof job. Or you can
Speaker 6: find someone independent to inspect your roof, you know, I mean,
Speaker 6: it's not difficult, just get someone honest. But we can
Speaker 6: do that as well. But but what we'd like to
Speaker 6: do is ask tom about it and make sure that
Speaker 6: yours is corrected. But if you're asking for the entire
Speaker 6: roof to be redone based on a few problems, it's okay.
Speaker 6: You just want to make sure you got what you
Speaker 6: paid for, yes, sir, And you got a good job.
Speaker 6: And I don't blame you one bit, Okay, I don't
Speaker 6: blame you. Yeah, there were it seems like there were
Speaker 6: some oversights that caused you some concern and I don't
Speaker 6: blame you for wanting to know if you got a
Speaker 6: good job. So hang on, Mark's writing this down and
Speaker 6: we'll check with them. We'll check with them on it,
Speaker 6: and we'll ask him straight up about it, and if
Speaker 6: we have to, we can get someone to check it out. Okay,
Speaker 6: So we have no problem with that. Three oh three
Speaker 6: seven oh. I'm not going to give out the number
Speaker 6: because we're almost out of time. But uh yeah, Mark,
Speaker 6: I mean you you followed with Tommy and just say
Speaker 6: find out what's going on, and then I want to
Speaker 6: thank By the way, shardan auto Tech for being here.
Speaker 2: Uh, he had to split.
Speaker 6: Kevin Colkin is a good, honest man, sharedan autotech dot
Speaker 6: com three oh four, three oh.
Speaker 2: Three, don't say it. Don't say it, Mark, don't say it.
Speaker 2: Shared an autech three oh three four five five seventy
Speaker 2: two forty two. Now, Chandra, thank you for being here.
Speaker 2: Cordevano and she is our common woman today. And be
Speaker 2: sure did you enjoy yourself? I did.
Speaker 8: Yeah, it's fun to see this all happening.
Speaker 2: And I got pizza. Yeah, that's true. She did get pizza.
Speaker 13: I did.
Speaker 10: Yeah.
Speaker 2: We see that's the thing. We all got pizza. They're
Speaker 2: kind of pizza that you get. We got normal pizza.
Speaker 2: What's that mean with the fish heads in there? Carap
Speaker 2: on it?
Speaker 6: No, No, we didn't do uh anchovies this time, but
Speaker 6: we usually do, but not this time.
Speaker 2: Anyway. On a serious note, Okay, here's what I want
Speaker 2: to tell you. Seriously.
Speaker 6: Now pass the word around that you can get help.
Speaker 6: Three oh three Martino. Okay, So if you have a
Speaker 6: consumer problem, question or complaint three oh three six two
Speaker 6: seven eight four six six. We do this for a reason.
Speaker 6: That's because we truly want to help you. And if
Speaker 6: you call that number, we will get back to you.
Speaker 6: That's three Oho three Martino, three oh three six two
Speaker 6: seven eight four sixty six. Please leave a number that
Speaker 6: would help us a lot too, all right, and remember
Speaker 6: save all your problems for me,