WEBVTT 1 00:00:00.360 --> 00:00:10.359 Yeah, ripped off. Didn't need advice, so you don't have 2 00:00:12.599 --> 00:00:13.759 come running just. 3 00:00:13.759 --> 00:00:15.000 As fast as you can. 4 00:00:16.280 --> 00:00:17.559 Shooter's gonna help. 5 00:00:17.879 --> 00:00:18.199 Come. 6 00:00:18.800 --> 00:00:20.640 Man, this is. 7 00:00:20.600 --> 00:00:22.440 The Troubleshooter Show. 8 00:00:22.559 --> 00:00:27.519 Now, Tom Martino, Hey, Tom Martino here, Welcome to the show. 9 00:00:28.199 --> 00:00:31.719 Three oh three seven one three talks three oh three 10 00:00:31.760 --> 00:00:34.799 seven one three eight two five five. So up to 11 00:00:34.840 --> 00:00:39.000 a minute ago, I didn't have a Wi Fi. I 12 00:00:39.000 --> 00:00:43.439 mean I had connectivity to the station, but. 13 00:00:42.880 --> 00:00:43.439 No Wi Fi. 14 00:00:43.479 --> 00:00:49.520 And I realized how much of our lives depend on 15 00:00:49.560 --> 00:00:52.479 Wi Fi or or your internet connection. 16 00:00:52.640 --> 00:00:55.600 In your house, I have virtually everything on it. 17 00:00:56.439 --> 00:00:59.119 I mean I have my garage door openers, my ring doorbell, 18 00:00:59.280 --> 00:01:00.039 my my. 19 00:01:00.159 --> 00:01:01.240 Lights, my. 20 00:01:02.759 --> 00:01:02.960 You know. 21 00:01:03.039 --> 00:01:05.040 I mean I could do manual stuffs, you know, with 22 00:01:05.079 --> 00:01:06.799 the garage door and all that. But what I meant 23 00:01:06.959 --> 00:01:09.799 was it was so weird, and I'm thinking, oh, man, 24 00:01:10.920 --> 00:01:13.879 and my call screener here to get calls three zho 25 00:01:13.920 --> 00:01:16.840 three seven one three talks seven one three A two 26 00:01:16.879 --> 00:01:17.359 five five. 27 00:01:17.680 --> 00:01:22.840 I hope you all had a great weekend. So the 28 00:01:22.879 --> 00:01:24.799 guy says, we'll log into your router. 29 00:01:24.680 --> 00:01:28.840 And see why the conflict because I kept getting conflicting 30 00:01:28.920 --> 00:01:34.400 IP addresses. Long story, but I thought that when you 31 00:01:34.480 --> 00:01:39.439 had dynamic selection of IP that it's automatic. They randomize 32 00:01:39.439 --> 00:01:42.799 and they don't conflict. So maybe some of my egghead 33 00:01:42.840 --> 00:01:46.000 geeks can help me. Certainly not my YouTube morons or 34 00:01:46.040 --> 00:01:47.439 maybe they're smarter than they look. 35 00:01:48.519 --> 00:01:55.680 But welcome. But Wi Fi and what do I call it? Internet? 36 00:01:55.680 --> 00:01:56.200 In general? 37 00:01:57.159 --> 00:02:02.799 Our connectivity is so important crap. I mean, I guess health. 38 00:02:02.840 --> 00:02:07.359 I'd put up above connectivity right barely, but it's a 39 00:02:07.359 --> 00:02:12.879 little above. What about money? Anyway, Let's talk what's on 40 00:02:12.919 --> 00:02:16.080 your mind today. I have Brendan Killyan with me. Kellyan 41 00:02:16.240 --> 00:02:19.759 or Killy Kellyan made in the shade window coverings, and 42 00:02:21.080 --> 00:02:24.479 I heard of so many cool things on the forefront 43 00:02:24.520 --> 00:02:25.360 of window coverings. 44 00:02:25.360 --> 00:02:26.560 I just want to ask you something. 45 00:02:26.719 --> 00:02:28.639 By the way, folks, I still want to tell you too. 46 00:02:28.680 --> 00:02:33.639 You can text me in two ways. The station's texting 47 00:02:33.800 --> 00:02:38.159 app is five seven seven three nine. But I have 48 00:02:38.280 --> 00:02:43.159 opened up my personal Google number. I'm proud of that 49 00:02:43.520 --> 00:02:46.599 because it comes right to my cell phone hasn't been abused. 50 00:02:46.639 --> 00:02:47.120 I love it. 51 00:02:47.159 --> 00:02:49.840 People have been texting me all night, all days, and 52 00:02:49.879 --> 00:02:52.159 I have a lot of stuff to talk about. 53 00:02:52.199 --> 00:02:55.680 Their questions seven four seven. 54 00:02:56.960 --> 00:03:03.719 Nine fifty two eighty seven four seven fifty eighty. Tell 55 00:03:03.719 --> 00:03:06.000 me if you've done anything interesting. 56 00:03:07.199 --> 00:03:12.400 For Labor Day. And I posted what I did. I 57 00:03:12.439 --> 00:03:15.479 didn't post it on LinkedIn. I posted it on Instagram 58 00:03:16.639 --> 00:03:20.599 and TikTok. Not that it matters done. I'm not big 59 00:03:20.639 --> 00:03:22.719 on TikTok. I just do it for the hell of it. 60 00:03:23.840 --> 00:03:27.479 And what I'd like to know is what's on your 61 00:03:27.479 --> 00:03:31.280 mind today and how can we help you now? One 62 00:03:31.360 --> 00:03:35.319 thing that has been coming up time and time again, 63 00:03:35.360 --> 00:03:39.560 there's two recurring well, there's many recurring themes, but lately, 64 00:03:39.919 --> 00:03:46.800 let me talk about some recurring themes. One is used cars, 65 00:03:47.319 --> 00:03:51.560 people buying without checking them out and ending up in 66 00:03:51.639 --> 00:03:55.360 disastrous situations, saying, well, they assured me it was it 67 00:03:55.400 --> 00:03:55.759 was good. 68 00:03:55.759 --> 00:03:58.879 They assured me this. They assured me that, and it 69 00:03:59.000 --> 00:04:03.479 ends up people are totally screwed because they didn't check 70 00:04:03.479 --> 00:04:03.879 out a car. 71 00:04:03.919 --> 00:04:05.879 Now, even checking out a car, it's not going to 72 00:04:05.879 --> 00:04:10.680 be one hundred percent foolproof. You can't find everything wrong 73 00:04:10.680 --> 00:04:11.919 with a car. 74 00:04:12.520 --> 00:04:15.000 But I will tell you that with one hundred and 75 00:04:15.039 --> 00:04:18.040 fifty thousand miles or more, you will have problems. There's 76 00:04:18.160 --> 00:04:18.879 no question. 77 00:04:19.240 --> 00:04:22.120 No matter how it was maintained, you will have problems, 78 00:04:22.720 --> 00:04:27.920 maybe minor, maybe major. Approaching two hundred, you will have 79 00:04:28.000 --> 00:04:32.560 major problems. No questions asked, Just just know that you will. 80 00:04:32.680 --> 00:04:35.319 If you approach one hundred and seventy five thousand miles 81 00:04:35.399 --> 00:04:40.000 or more, you will double the cost of the car. 82 00:04:43.040 --> 00:04:43.680 Absolutely. 83 00:04:44.560 --> 00:04:47.680 With one hundred thousand miles, you will have heavy maintenance 84 00:04:49.000 --> 00:04:53.040 and some replacements. So while you're doing that to keep 85 00:04:53.079 --> 00:04:58.759 the price down, the price is not really going to 86 00:04:58.800 --> 00:05:03.240 be down. I met a woman when a woman called 87 00:05:03.240 --> 00:05:08.120 the show one time and she said, listen, I want 88 00:05:08.160 --> 00:05:10.319 to buy a four thousand dollars car. 89 00:05:13.439 --> 00:05:15.519 You know, I want to buy that, and I want 90 00:05:15.560 --> 00:05:19.839 to do it for I want to do it, you know, 91 00:05:19.879 --> 00:05:23.759 I want to do it for cash. And I said, 92 00:05:23.959 --> 00:05:26.920 what did you find? She found a car with a 93 00:05:27.000 --> 00:05:30.800 two hundred and ten thousand miles on it, four thousand 94 00:05:30.920 --> 00:05:34.839 dollars And I said, you understand, it's going to need this. 95 00:05:34.920 --> 00:05:35.720 It's going to need that. 96 00:05:35.720 --> 00:05:39.800 No matter what if you at the time, at the time, 97 00:05:39.959 --> 00:05:42.000 I believe new car, you could get a new Hyundai 98 00:05:42.120 --> 00:05:46.759 literally for eighteen grand, nineteen grand at the time. I said, 99 00:05:46.759 --> 00:05:51.079 if you put four thousand dollars down, you're financing fourteen 100 00:05:51.160 --> 00:05:56.160 thousand or something, fifteen whatever, and you're financing it at 101 00:05:56.160 --> 00:05:57.959 the time at four and a half percent. Now think 102 00:05:58.000 --> 00:06:01.480 about this, Oh, I don't want to pay payment. I said, 103 00:06:01.959 --> 00:06:04.800 you're going to have a payment. It's just a question 104 00:06:04.839 --> 00:06:06.920 of what payment. Are you going to be paying a 105 00:06:06.959 --> 00:06:07.560 dead horse? 106 00:06:07.759 --> 00:06:10.240 Are you going to paying for repairs or are you 107 00:06:10.319 --> 00:06:12.000 going to be paying for a new car that has 108 00:06:12.000 --> 00:06:17.439 a ten year, one hundred thousand mile warranty. 109 00:06:17.639 --> 00:06:17.879 Shed. 110 00:06:17.879 --> 00:06:19.720 Well, then I'll have to buy collision coverage and all that. 111 00:06:19.759 --> 00:06:24.360 And I said, well, let's do the math. In the 112 00:06:24.399 --> 00:06:29.120 math with the financing she was getting in everything. Now, 113 00:06:29.160 --> 00:06:30.879 I'm not going to give you exact numbers. I'm going 114 00:06:30.920 --> 00:06:33.720 to give you an idea. She would have no payments 115 00:06:33.759 --> 00:06:39.079 on the used car on the Hyundai with insurance and everything. 116 00:06:39.160 --> 00:06:41.959 Now remember she still has insurance on the used car, 117 00:06:42.079 --> 00:06:45.680 but not a lot so. But with the insurance difference 118 00:06:46.720 --> 00:06:50.839 on the Hyundai and the payment on the Hyundai, I 119 00:06:50.879 --> 00:06:53.360 think she was up around two hundred and fifty dollars 120 00:06:53.680 --> 00:06:57.160 a month brand new car tenures. And I forget, I 121 00:06:57.160 --> 00:06:59.160 think that was only like a four year loan three 122 00:06:59.199 --> 00:07:03.000 or four it could I think it was. But when 123 00:07:03.000 --> 00:07:04.439 we did the math, here's what happened. 124 00:07:06.279 --> 00:07:09.319 She had to do major engine work after she got 125 00:07:09.319 --> 00:07:12.040 it for a little while. Now, remember she had to 126 00:07:12.040 --> 00:07:14.319 do major engine work. She had to do transmission work, 127 00:07:15.560 --> 00:07:18.160 she had to fix the shocks. She had to do 128 00:07:19.759 --> 00:07:29.199 so much in repairs that her payments on that were 129 00:07:29.279 --> 00:07:31.120 higher if you amortized him. 130 00:07:31.439 --> 00:07:33.480 She had to draw out cash and pay for repairs 131 00:07:33.560 --> 00:07:36.879 or put them on credit cards. But she was paying 132 00:07:36.920 --> 00:07:40.399 more for that used car with two hundred and ten 133 00:07:40.480 --> 00:07:43.079 or two hundred some thousand miles on it, then she 134 00:07:43.120 --> 00:07:45.360 would have for the brand new car for the entire 135 00:07:45.439 --> 00:07:48.279 four years. Then at the end of four years, what 136 00:07:48.399 --> 00:07:53.959 did she have a piece of crap? If she had 137 00:07:54.000 --> 00:08:00.800 purchased the brand new Hyundai and made those payments, she 138 00:08:00.839 --> 00:08:01.319 would have. 139 00:08:01.240 --> 00:08:05.879 Had a paid off, free and clear car with another 140 00:08:05.959 --> 00:08:11.439 six years of warranty. Think about this now, that. 141 00:08:12.079 --> 00:08:15.360 Is what you call a psychological myth and mistake. When 142 00:08:15.360 --> 00:08:16.639 people say I don't want to I don't want a 143 00:08:16.680 --> 00:08:21.800 car payment, you will always unless you're swimming in cash, 144 00:08:22.759 --> 00:08:24.920 you'll always have a car payment unless you pay a 145 00:08:24.959 --> 00:08:25.839 new car cash. 146 00:08:26.160 --> 00:08:30.800 But if you buy a used car for cash because 147 00:08:30.879 --> 00:08:32.200 and it's and it's let's. 148 00:08:31.959 --> 00:08:37.000 Say under eight grand, now you will have major repairs. 149 00:08:37.039 --> 00:08:41.240 There's no question in my mind. 150 00:08:41.399 --> 00:08:44.720 Now there are rarities a little old lady from Pasadena 151 00:08:45.919 --> 00:08:49.519 and other people who don't drive and maintain the hell 152 00:08:49.559 --> 00:08:52.679 out of something, but it is rare, it is far between, 153 00:08:53.039 --> 00:08:58.360 and it will never usually happen. By the way, waterpros 154 00:08:58.399 --> 00:09:01.960 dot net, the best water system at the lowest prices anywhere. 155 00:09:02.080 --> 00:09:08.759 I think the special has expired. Wait a minute, Wait 156 00:09:08.759 --> 00:09:11.600 a minute. Oh, he just texted me Paul the waterman. 157 00:09:11.919 --> 00:09:15.679 Today is the last day for the thirty one ninety 158 00:09:15.720 --> 00:09:24.720 five special. You can sign up, but you can sign up, 159 00:09:25.480 --> 00:09:27.440 but you don't have to have it done today. 160 00:09:29.080 --> 00:09:31.720 And that's thirty one ninety five. Now here's what you get. 161 00:09:31.840 --> 00:09:37.240 Not only the reverse osmosis for drinking, You get water softening. 162 00:09:37.559 --> 00:09:40.200 You get the entire whole house system that would normally 163 00:09:40.240 --> 00:09:43.519 be for him, even him, at the best prices. 164 00:09:43.559 --> 00:09:48.240 Ever, Let's see if there around. 165 00:09:47.000 --> 00:09:50.200 Five over five grand plumbers for the same thing would 166 00:09:50.279 --> 00:09:55.039 charge you sixteen thousand. Now here's what I'm telling you. 167 00:09:55.039 --> 00:09:56.679 You can get it for thirty one ninety five. 168 00:09:56.759 --> 00:09:59.559 Mille bull three h three eight six y two five 169 00:09:59.639 --> 00:10:02.039 five four more coming right. 170 00:10:01.919 --> 00:10:09.600 Up, Go with a sure thing. Denver's Best Roofer Excel 171 00:10:09.720 --> 00:10:12.799 roofing dot com. You don't pay a cent until you're content. 172 00:10:16.159 --> 00:10:19.360 Time for an insurance check up free, no obligation. Comparison 173 00:10:19.480 --> 00:10:23.039 call Compass Insurance paying too much your coverage at dozens 174 00:10:23.039 --> 00:10:25.799 of insurance companies find out now three all three seven 175 00:10:25.799 --> 00:10:26.360 to seven to one. 176 00:10:26.480 --> 00:10:26.759 Help. 177 00:10:26.919 --> 00:10:29.559 You'll think you're his only customer when you choose Frank 178 00:10:29.600 --> 00:10:32.080 Durand the real estate Man dot com to list your 179 00:10:32.080 --> 00:10:35.200 home with Remax Alliance three all three nine two zero 180 00:10:35.360 --> 00:10:36.279 sixteen twenty two. 181 00:10:38.120 --> 00:10:41.639 All right, so I'm Tom Martino, your troubleshooter. 182 00:10:42.919 --> 00:10:44.879 Frank Ran, the real estate man, will do in market 183 00:10:44.960 --> 00:10:47.039 valuation of your home for the asking and tell you 184 00:10:47.080 --> 00:10:48.720 what it will sell for in this market based on 185 00:10:48.799 --> 00:10:50.960 all the elements, and he knows them all the interest rates, 186 00:10:50.960 --> 00:10:55.600 the comps, the inventory, the supply and demand. He'll come 187 00:10:55.639 --> 00:10:58.360 in pretty accurately with no obligation to list. Three oh 188 00:10:58.440 --> 00:11:01.919 three nine two zero sixteen twenty two. Frank Dran, the 189 00:11:01.960 --> 00:11:07.200 real estate Man dot com. Okay, listen, So I have 190 00:11:07.279 --> 00:11:10.159 a question. And uh oh when I said there were 191 00:11:10.200 --> 00:11:13.600 issues that came up. One of them was, of course, 192 00:11:13.799 --> 00:11:18.879 with cars and used cars crapping out. The other one 193 00:11:18.919 --> 00:11:23.240 was and this comes up a lot valuing a car 194 00:11:23.360 --> 00:11:28.159 after an accident when it's totaled, and when people pay 195 00:11:28.200 --> 00:11:32.360 too much or owe too much, they're in for giant shocks, 196 00:11:33.399 --> 00:11:38.759 and that's what happens. And so especially people when they 197 00:11:38.799 --> 00:11:40.720 have an older car and they paid a lot for it, 198 00:11:40.759 --> 00:11:43.399 they want to keep it because they want to repair 199 00:11:43.440 --> 00:11:44.279 it and keep it. 200 00:11:44.279 --> 00:11:48.159 It's better for them than the total. So what they 201 00:11:48.200 --> 00:11:49.440 do is they total. 202 00:11:49.120 --> 00:11:53.600 The car and then let's say they say you're gonna 203 00:11:53.600 --> 00:11:55.600 get fifteen for the car. They say, we don't want 204 00:11:55.600 --> 00:11:57.440 fifteen for the car. We want to keep it and 205 00:11:57.480 --> 00:11:57.919 fix it. 206 00:11:58.360 --> 00:12:00.320 They say, okay, then we're going to give you twelve 207 00:12:00.759 --> 00:12:02.960 or we're going to give you thirteen or whatever, and 208 00:12:03.000 --> 00:12:09.360 you're theoretically paying for the salvage. Insurance companies have a 209 00:12:09.360 --> 00:12:13.039 way of charging you too much for that salvage. Here's 210 00:12:13.120 --> 00:12:18.000 a rough way to estimate this. If what you pay 211 00:12:18.039 --> 00:12:23.240 for the salvage plus the repair cost. Okay, if you 212 00:12:23.320 --> 00:12:31.120 can what the salvage and the repair cost so or 213 00:12:31.159 --> 00:12:33.639 the remainder what you're gonna get. For example, if they 214 00:12:33.679 --> 00:12:37.200 total it for a fair price and subtract a fair price, 215 00:12:37.679 --> 00:12:40.240 then you should be able to take the salvage value 216 00:12:41.240 --> 00:12:43.440 along with the check you're getting. So let's say they 217 00:12:43.519 --> 00:12:46.639 charge you two grand and they give you a thirteen 218 00:12:46.720 --> 00:12:51.759 thousand dollars check, so you're netting thirteen. You're keeping the car. 219 00:12:52.559 --> 00:12:57.759 Now theoretically, then the thirteen plus the two equals fifteen. 220 00:12:58.799 --> 00:13:02.639 That should roughly be the value of that car. And 221 00:13:03.120 --> 00:13:06.039 it should be the value of the car after repairs. 222 00:13:06.559 --> 00:13:10.519 And if you can repair it for that amount, you 223 00:13:10.679 --> 00:13:14.799 come close. If not, then it's a bad deal and 224 00:13:14.840 --> 00:13:17.320 it's not worth salvaging, even though that's what you want 225 00:13:17.399 --> 00:13:19.879 to do. Now, if you paid too much for it, 226 00:13:19.919 --> 00:13:22.759 you're scrutin no matter what, nothing can help you there. 227 00:13:23.200 --> 00:13:32.159 Even gap insurance only covers depreciation, no overpayment, and they'll 228 00:13:32.200 --> 00:13:34.679 only go one hundred and twenty five percent of value 229 00:13:35.639 --> 00:13:42.039 only for the depreciated part, not for this is important, 230 00:13:43.279 --> 00:13:48.679 not for the overpayment or stupidity. As I said, gap 231 00:13:48.720 --> 00:13:51.320 insurance is not stupid insurance. 232 00:13:53.000 --> 00:13:58.879 Now, we have Brendan Killion with us from Made in 233 00:13:58.919 --> 00:14:02.080 the Shade, and I wanted to know if you've heard 234 00:14:02.600 --> 00:14:05.840 of these new shades now, Well, I don't even know that. 235 00:14:06.000 --> 00:14:07.159 I don't think they're on the market. 236 00:14:08.320 --> 00:14:12.200 But they're so thin and they can literally project You 237 00:14:12.240 --> 00:14:15.720 can project things on them, so you can have Wi 238 00:14:15.759 --> 00:14:21.120 Fi projecting images on shades, and the shades are kind 239 00:14:21.120 --> 00:14:24.919 of like roll up screens almost Holy crap. Does that 240 00:14:25.039 --> 00:14:25.519 change the. 241 00:14:25.440 --> 00:14:29.240 Whole complexion of window coverings? Imagine that? I mean you 242 00:14:29.320 --> 00:14:34.080 can have shades that come down and have different scenes 243 00:14:34.120 --> 00:14:35.120 for different seasons. 244 00:14:35.360 --> 00:14:39.000 You can literally redecorate your house for the seasons. 245 00:14:39.639 --> 00:14:41.480 I don't know if they'll ever hit them all. I 246 00:14:41.519 --> 00:14:44.000 think they'll hit the market. I think everything does eventually. 247 00:14:44.440 --> 00:14:46.399 Have you seen any of them at shows or ever 248 00:14:46.480 --> 00:14:47.600 seen anything close? 249 00:14:47.960 --> 00:14:51.279 I haven't seen them specifically for that. However, I have 250 00:14:51.440 --> 00:14:54.039 had projection screens like in my own home before. 251 00:14:54.159 --> 00:14:56.919 Now that but where you project something onto it right. 252 00:14:56.840 --> 00:15:00.399 Were correct, and so obviously they may you know, like 253 00:15:00.440 --> 00:15:02.799 a room darkening white rollers. 254 00:15:02.559 --> 00:15:04.639 Shade I'm talking about. 255 00:15:04.679 --> 00:15:11.159 I think these were almost like mini is it LEDs. 256 00:15:10.679 --> 00:15:13.799 Like the screen is like literally, oh, I've not seen that. 257 00:15:13.919 --> 00:15:15.080 Now we think about that. 258 00:15:15.080 --> 00:15:19.080 That's incredible, that's interesting. Yeah, No, I've not seen that. 259 00:15:19.480 --> 00:15:24.120 And what I'd like to know though, is the the 260 00:15:24.159 --> 00:15:30.320 future of window coverings. There is something called smart glass now, 261 00:15:30.440 --> 00:15:32.440 it's it's right now. I think it would be cost 262 00:15:32.519 --> 00:15:37.799 prohibitive to put in houses, but they're certainly working towards that. 263 00:15:39.519 --> 00:15:43.039 I mean, like in the like in restaurant bathrooms exactly. 264 00:15:44.279 --> 00:15:48.679 But this, this smart glass would be adjustable with an app, 265 00:15:49.759 --> 00:15:53.759 so you can adjust shades to let light in or not. 266 00:15:54.600 --> 00:15:57.080 And you can so you can adjust the translucency. I 267 00:15:57.120 --> 00:16:00.200 guess it would be called there. It's transparency probably, so 268 00:16:00.240 --> 00:16:02.679 you can make a translution, can make it totally transparent, 269 00:16:02.759 --> 00:16:06.279 you can, you can alter in between. And some of 270 00:16:06.279 --> 00:16:11.200 them are even experimenting with colors. So I mean, there's 271 00:16:11.240 --> 00:16:13.360 no end to what houses will look and feel like. 272 00:16:13.399 --> 00:16:16.320 I mean I know that, you know, years ago at 273 00:16:16.360 --> 00:16:19.039 World's Fairs, they would exaggerate what we'd be doing by now. 274 00:16:19.039 --> 00:16:21.720 I thought we'd all get hovercrafts riding around. 275 00:16:22.279 --> 00:16:24.799 But okay, let me go to the text. By the way, 276 00:16:24.840 --> 00:16:25.279 three oh. 277 00:16:25.200 --> 00:16:27.759 Three seven one three talks seven one three eight two 278 00:16:27.759 --> 00:16:30.759 five five. Some people are better off paying for the 279 00:16:30.840 --> 00:16:35.440 repairs when needed, rather than having a fixed monthly payment 280 00:16:35.559 --> 00:16:39.720 for four years. How first, Okay, I was talking about 281 00:16:40.679 --> 00:16:45.320 buying used cars and putting money into them, I don't believe, 282 00:16:45.360 --> 00:16:47.399 but not when the repairs. 283 00:16:47.600 --> 00:16:48.960 When the repairs are. 284 00:16:48.879 --> 00:16:52.519 Needed, okay, But let's say you have no payment for 285 00:16:52.559 --> 00:16:55.120 two years and then you have a major four We're 286 00:16:55.120 --> 00:16:58.039 talking four and five and six thousand dollars repairs here 287 00:16:58.559 --> 00:17:01.320 on cars with hundreds of thousands of miles. So what 288 00:17:01.399 --> 00:17:04.200 I'm talking about it are dozens of thousands. 289 00:17:04.599 --> 00:17:08.559 I'm saying that they're not better off because your money 290 00:17:08.680 --> 00:17:12.079 is money is money. I mean, wouldn't you rather be 291 00:17:12.160 --> 00:17:17.480 paying a payment for four years and have no problems none, 292 00:17:19.079 --> 00:17:21.799 or paying for massive repairs and still have an old 293 00:17:21.839 --> 00:17:24.960 piece of crap. That's the point I'm making that the 294 00:17:25.000 --> 00:17:27.200 money you're putting into this car is not making it 295 00:17:27.279 --> 00:17:30.960 newer or better. It's still an old car. But that 296 00:17:31.160 --> 00:17:33.720 was That was the text I enjoyed, you know, thank 297 00:17:33.720 --> 00:17:36.160 you for the text. I have another one here. 298 00:17:37.440 --> 00:17:40.440 A guy with my computer, Colorado Computers. 299 00:17:40.640 --> 00:17:41.960 Charlie has helped me a lot. 300 00:17:42.000 --> 00:17:45.640 He said, the IP addressed conflict is probably caused by 301 00:17:45.680 --> 00:17:47.480 one of your devices having a static IP. 302 00:17:47.799 --> 00:17:49.839 So I found out what it was, Charlie. I looked 303 00:17:49.839 --> 00:17:50.279 on my. 304 00:17:50.759 --> 00:17:54.519 Google app, because my Google is my distributor of Wi 305 00:17:54.559 --> 00:17:57.240 Fi for you tech geeks out there, and I'm a 306 00:17:57.240 --> 00:17:59.240 tech geek and I know I have a lot listening. 307 00:18:00.359 --> 00:18:03.720 I have centry Link broadband. Love it. 308 00:18:04.119 --> 00:18:08.079 Century Link broadband is solid. I don't use their modem 309 00:18:08.119 --> 00:18:12.279 to distribute Wi Fi. I use see modems have two 310 00:18:12.359 --> 00:18:16.240 things in them, a router and Wi Fi. That's a 311 00:18:16.279 --> 00:18:22.319 wireless transmitter wireless fidelity, and then they have a router. 312 00:18:22.880 --> 00:18:25.880 Now a lot of people plug that router into their 313 00:18:26.000 --> 00:18:29.880 house so their Cat fives around the house are activated. 314 00:18:30.079 --> 00:18:33.720 And those are newer homes, but older newer homes. 315 00:18:34.000 --> 00:18:37.799 The newest homes are all doing wireless, but the Cat 316 00:18:37.880 --> 00:18:40.640 five or fiber by the way, but the Cat five 317 00:18:41.160 --> 00:18:45.039 is energized usually by the modem, or you plug into 318 00:18:45.079 --> 00:18:48.279 the modem for Cat fives, and then it's a wireless 319 00:18:48.920 --> 00:18:53.279 I decided to just use my modem from sentry Link 320 00:18:53.680 --> 00:18:56.759 because it's not really good Wi Fi. I use it 321 00:18:56.799 --> 00:19:00.200 as a bridge simply to bring in Internet, and I 322 00:19:00.279 --> 00:19:04.960 distribute it to Google's Google's Mesh system, and Google's Mesh 323 00:19:04.960 --> 00:19:08.720 system then assigns IPS and what I didn't realize Charlie 324 00:19:08.799 --> 00:19:12.720 until two minutes before the show and Brendan was watching me. 325 00:19:12.839 --> 00:19:16.160 I was able to log on to Google Home and 326 00:19:16.200 --> 00:19:20.400 you can view each and every item and all of 327 00:19:20.480 --> 00:19:25.440 their IPS. What I couldn't do is change the IP 328 00:19:25.559 --> 00:19:29.359 of that. It turned out one TV has the same 329 00:19:29.400 --> 00:19:34.400 IP address one TV, and I couldn't change it. So 330 00:19:34.519 --> 00:19:38.519 what I had to do is pause that TV. I 331 00:19:38.559 --> 00:19:38.960 don't know. 332 00:19:39.599 --> 00:19:40.880 I don't know what to do about it. I don't 333 00:19:40.880 --> 00:19:42.759 know how to change the IP on it. There must 334 00:19:42.839 --> 00:19:46.640 be a way, but anyway, I digress. That is the 335 00:19:46.720 --> 00:19:48.240 life of technical stuff. 336 00:19:48.960 --> 00:19:51.200 Three h three. So, oh, I got it. You just 337 00:19:51.279 --> 00:19:53.319 sent me a picture. Is that today? Do I have 338 00:19:53.400 --> 00:19:54.720 two deputies in the studio? 339 00:19:56.799 --> 00:19:57.000 Yes? 340 00:19:57.079 --> 00:19:57.720 Do I have two? 341 00:19:58.200 --> 00:20:01.480 Or is that the other? Okay, so I see Dollar Dollar. 342 00:20:02.119 --> 00:20:05.160 I can recognize I can recognize both of them because 343 00:20:05.160 --> 00:20:07.160 they never mind anyway. 344 00:20:07.240 --> 00:20:11.920 So it's gonna be mean. I'm gonna be nice. So, 345 00:20:12.799 --> 00:20:15.960 Deputy Dollar, what did you do with your extra day off? 346 00:20:16.799 --> 00:20:21.160 Go and be honest? What did you do? Actually, Tom, 347 00:20:21.200 --> 00:20:24.720 it was just kind of a choir weekend, So you 348 00:20:24.720 --> 00:20:28.079 know what. Anyone who travels during this time, they're they're insane. 349 00:20:29.039 --> 00:20:33.200 I mean, they're totally insane. Chopper, what did you do? 350 00:20:34.880 --> 00:20:37.440 I got upset because there wasn't a Bronco game. I 351 00:20:37.440 --> 00:20:38.920 thought it was the start of the season. 352 00:20:41.000 --> 00:20:44.559 Oh, anyway, here's the text. 353 00:20:44.799 --> 00:20:48.480 The reason everybody issuing Donald Trump for using their music 354 00:20:49.039 --> 00:20:52.240 is because the number number one, he didn't ask permission. 355 00:20:52.559 --> 00:20:55.119 Number two he's a douche bag. I can say that, right. 356 00:20:56.599 --> 00:20:59.960 How many times are we going to make excuses for 357 00:21:00.200 --> 00:21:04.160 this guy? Okay? Good? I have more than just conservatives 358 00:21:04.200 --> 00:21:09.240 listening to this show, and the number is three ZHO three, 359 00:21:09.839 --> 00:21:10.640 seven to one to three. 360 00:21:10.720 --> 00:21:18.119 Talk Brendan. If you're going to do shades. They don't 361 00:21:18.119 --> 00:21:21.880 even make cords anymore, do they. Somebody wants to replace 362 00:21:21.920 --> 00:21:24.839 them and match what they have. It's not that they 363 00:21:25.000 --> 00:21:27.319 like chords, they just don't want to have one that's 364 00:21:27.359 --> 00:21:28.480 not like the others. 365 00:21:29.240 --> 00:21:29.839 Can you do it? 366 00:21:29.920 --> 00:21:32.880 There's a couple of products that still have a chord 367 00:21:32.960 --> 00:21:37.400 with a with a you know, a government approved release 368 00:21:37.440 --> 00:21:40.039 on it to make it still safe. But I would 369 00:21:40.079 --> 00:21:42.559 say buy and large chords are gone? 370 00:21:43.359 --> 00:21:47.279 Okay, So can you restring a shade? Is there such 371 00:21:47.279 --> 00:21:49.200 a thing? As It depends on what kind of shade 372 00:21:49.200 --> 00:21:49.519 it is. 373 00:21:49.559 --> 00:21:52.119 Like, if it's just a chord issue, you can usually 374 00:21:52.119 --> 00:21:54.000 get that part on the end, which is a clutch, 375 00:21:54.279 --> 00:21:57.880 and get that repator. You can get the chord replacement. 376 00:21:57.920 --> 00:22:01.559 But certainly blinds still have chords. I mean blind, you know, 377 00:22:01.599 --> 00:22:04.319 the good old fad. Have you seen the wood slatted blinds? 378 00:22:04.400 --> 00:22:07.759 And then those are all pretty much cordless too. How 379 00:22:07.799 --> 00:22:09.559 do they just put your hand under the bar and 380 00:22:09.599 --> 00:22:11.880 lift them up? Okay, well that's it, that's the blind. 381 00:22:11.880 --> 00:22:13.920 But then how do you adjust the loop. 382 00:22:14.039 --> 00:22:17.599 Is a wand so when you screw the wand that's 383 00:22:17.920 --> 00:22:21.440 tilt and that's way neaterter those older heads off all 384 00:22:21.519 --> 00:22:22.279 the strings and. 385 00:22:22.400 --> 00:22:24.960 You don't have to then mount anything to their window. 386 00:22:25.000 --> 00:22:28.279 Also like screw into the window right cleat you know 387 00:22:28.319 --> 00:22:29.200 for the cord So. 388 00:22:29.440 --> 00:22:31.799 Three O three seven one three A two five five 389 00:22:31.880 --> 00:22:35.519 eight eight eight Heating dot com honest good people for plumbing, 390 00:22:35.640 --> 00:22:39.559 electric and they can check your furnace NAC for the 391 00:22:39.640 --> 00:22:42.880 asking three O three seven seven zero two seven seven 392 00:22:43.039 --> 00:22:51.640 six go with a sure thing Denver's best roofer Excel 393 00:22:51.720 --> 00:22:54.799 Roofing dot com. You don't pay a cent until you're content. 394 00:22:58.160 --> 00:23:01.359 Time for an insurance check up free, no obligation. In comparison, 395 00:23:01.480 --> 00:23:05.000 call Compass Insurance paying too much your coverage at dozens 396 00:23:05.039 --> 00:23:07.799 of insurance companies find out now three all three seven 397 00:23:07.799 --> 00:23:10.160 to seven to one help. You'll think you're his only 398 00:23:10.240 --> 00:23:12.720 customer when you choose Frank durand the real estate man 399 00:23:12.759 --> 00:23:16.160 dot com to list your home with Remax Alliance three 400 00:23:16.240 --> 00:23:19.839 all three nine two zero sixteen twenty two. I hear 401 00:23:20.680 --> 00:23:23.839 thank you better late than never on that music bro 402 00:23:24.599 --> 00:23:26.759 three all three seven one three talk seven one three 403 00:23:26.759 --> 00:23:27.559 eight two five to five. 404 00:23:28.279 --> 00:23:31.400 People are still kicked back in vacation mode. They don't 405 00:23:31.400 --> 00:23:33.359 really want to get ready for the school year, although 406 00:23:33.359 --> 00:23:37.880 it already started. Brandon, when you get busy for with 407 00:23:38.039 --> 00:23:39.640 Maide in the shade? When do you get busy for 408 00:23:39.720 --> 00:23:40.519 the holidays? 409 00:23:40.599 --> 00:23:43.519 Do people ever get the holiday rush like they do 410 00:23:43.599 --> 00:23:45.240 for bathrooms and kitchens? 411 00:23:45.759 --> 00:23:48.119 They do, and and floor coverings and all. 412 00:23:48.240 --> 00:23:49.039 Yeah, they do. 413 00:23:49.599 --> 00:23:51.880 Unfortunately, a lot of times they don't think about the 414 00:23:51.960 --> 00:23:53.319 lead time on getting customers. 415 00:23:53.359 --> 00:23:55.519 What is the lead time that's gone on for next week? 416 00:23:55.599 --> 00:23:59.440 What is the And they're all custom When you say customer, every. 417 00:23:59.200 --> 00:24:01.200 Single one of them, I mean really yeah, I mean 418 00:24:01.759 --> 00:24:04.680 yeah yeah, So what is the lead to? We're down 419 00:24:04.759 --> 00:24:07.240 much better, like two to three weeks. I can get 420 00:24:07.319 --> 00:24:10.680 those things in and we have an in house from. 421 00:24:10.480 --> 00:24:12.960 The time you order two or three weeks yep, oh 422 00:24:13.000 --> 00:24:13.599 really yep. 423 00:24:13.680 --> 00:24:16.079 And with our in house installer, I don't sub that 424 00:24:16.200 --> 00:24:18.559 out so I don't have to get on someone else's schedule, 425 00:24:18.640 --> 00:24:20.279 so we can get people installed quick. 426 00:24:20.759 --> 00:24:25.160 Okay, now on a text here, Oh not a text, 427 00:24:25.359 --> 00:24:25.799 this is a. 428 00:24:25.920 --> 00:24:27.240 This is something I want to note. 429 00:24:27.839 --> 00:24:32.599 So ten percent year on year, houses have increased, the 430 00:24:32.680 --> 00:24:35.480 sales have increased, mostly for starter homes. 431 00:24:35.920 --> 00:24:37.119 That's a major deal. 432 00:24:37.559 --> 00:24:41.880 A ten percent surge in this economy is major because 433 00:24:41.920 --> 00:24:45.200 we're being told that. You know that interest rates have 434 00:24:45.240 --> 00:24:47.240 a big impact, and they do, but still a ten 435 00:24:47.279 --> 00:24:54.480 percent surge. Also another thing that's really important. There is 436 00:24:54.519 --> 00:25:00.839 a hot there is a slowdown of hiring people. 437 00:25:00.920 --> 00:25:02.880 And you want to know why. 438 00:25:03.200 --> 00:25:07.480 Gen Z is having a problem, and millennials are locked 439 00:25:07.480 --> 00:25:12.000 into lower paying jobs, many times in companies because baby 440 00:25:12.039 --> 00:25:18.279 boomers old farts are refusing to retire. They're still working 441 00:25:18.640 --> 00:25:22.440 and they want to work. The average retirement it used to. 442 00:25:22.400 --> 00:25:26.640 Be people retired at fifty eight to sixty two. People 443 00:25:26.680 --> 00:25:28.440 are working well into their seventies. 444 00:25:28.480 --> 00:25:31.359 They enjoy it and they want to do it, and 445 00:25:31.759 --> 00:25:34.799 they're pissing off a lot of younger people. So my 446 00:25:35.039 --> 00:25:39.319 question is, and I'm serious, do you think people have 447 00:25:39.440 --> 00:25:43.759 a duty to retire and I'm serious about it. Do 448 00:25:43.799 --> 00:25:46.440 you think they now I'm talking about normal jobs too. 449 00:25:46.480 --> 00:25:50.440 I mean, it's not like I'm making iron forging iron here, 450 00:25:50.480 --> 00:25:53.039 you know, I'm sitting in a home studio doing a show. 451 00:25:53.079 --> 00:25:57.680 But still still, do people have a duty to move 452 00:25:57.759 --> 00:26:03.119 over rover and let someone else take over? Also on 453 00:26:03.240 --> 00:26:08.559 a list of being weird, I used to put eating alone, going. 454 00:26:08.359 --> 00:26:12.440 To movies alone? But do you know that more and 455 00:26:12.480 --> 00:26:15.440 more people are doing that? So YouTube moron's I'd like 456 00:26:15.480 --> 00:26:21.240 to know, do you ever go to a movie alone? 457 00:26:23.000 --> 00:26:23.319 Now? 458 00:26:25.599 --> 00:26:28.039 I've never gone. I don't think I've ever once went 459 00:26:28.079 --> 00:26:32.720 to a movie ever alone? Anybody go to a movie alone? Now? 460 00:26:32.799 --> 00:26:36.079 I've eaten out alone. I don't care about that I 461 00:26:36.240 --> 00:26:38.759 read or something. I don't think that's so weird. But 462 00:26:38.799 --> 00:26:41.079 that's not a list of weirdness. So I want to 463 00:26:41.079 --> 00:26:43.599 add to this list of weirdness. I added to it. 464 00:26:44.160 --> 00:26:49.759 Being a greeter at any store, you're weird. No one 465 00:26:50.279 --> 00:26:53.680 wants to be a greeeder. Hey, Deputy Dollar, maybe I 466 00:26:53.680 --> 00:26:54.200 could see you. 467 00:26:54.240 --> 00:26:57.240 Do you want to be a greeter? Chopper could be 468 00:26:57.279 --> 00:26:57.680 a greeeder? 469 00:26:57.720 --> 00:26:58.960 No, Tom not. 470 00:26:58.960 --> 00:27:02.160 Come on, here's a weirdness, and I hate to say it, 471 00:27:02.440 --> 00:27:05.720 but it's true. Let's just be honest. About it. Dating 472 00:27:05.880 --> 00:27:11.599 after sixty it's just weird. It's okay if you meet 473 00:27:11.680 --> 00:27:15.799 someone at somebody's house, but this, but dating apps and 474 00:27:15.880 --> 00:27:19.559 dating after sixty, it's kind of weird. I don't think 475 00:27:20.319 --> 00:27:24.440 any normal person would do that. Do you. Here's another 476 00:27:24.480 --> 00:27:29.279 thing I think is weird, and maybe maybe I might 477 00:27:29.319 --> 00:27:34.960 get a little disagreement from the studio. Muscle cars over 478 00:27:35.079 --> 00:27:42.200 fifty Be careful there, over fifty years old? Muscle cars? 479 00:27:42.599 --> 00:27:44.920 Is a Mustang considered a muscle car. 480 00:27:45.440 --> 00:27:47.960 I don't think the one eyedea spot is. I think 481 00:27:47.960 --> 00:27:51.839 they're talking about the seventy cars. Are you sure that's 482 00:27:51.880 --> 00:27:53.359 what I considered muscle cars? 483 00:27:54.559 --> 00:27:55.519 Do you ever eat alone? 484 00:27:56.119 --> 00:27:56.400 Never? 485 00:27:56.759 --> 00:27:57.559 At a restaurant? 486 00:27:57.920 --> 00:27:59.880 Only when I worked for the government. 487 00:28:00.480 --> 00:28:03.319 Did you ever go to a movie alone? 488 00:28:03.559 --> 00:28:03.839 Never? 489 00:28:04.440 --> 00:28:05.720 But I did bowl alone? 490 00:28:05.759 --> 00:28:09.759 Of course now because he has he has Cinemax at 491 00:28:09.839 --> 00:28:11.000 night so he doesn't have to. 492 00:28:11.839 --> 00:28:14.079 I'm sorry I didn't say that tonight. Go ahead, what 493 00:28:14.079 --> 00:28:18.000 what were you going to say? Bowling? How about bowling alone? Well, 494 00:28:18.039 --> 00:28:21.319 that would be stupid. Why would you do that? Well? Thanks, 495 00:28:21.640 --> 00:28:26.200 because there was no one else in the bowl with God. Okay, 496 00:28:26.400 --> 00:28:28.440 Uriah reminds me of a group. What am I? 497 00:28:28.559 --> 00:28:28.960 What? 498 00:28:28.960 --> 00:28:32.880 What rock group. Am I thinking of Uriyah? Come on, 499 00:28:33.599 --> 00:28:39.319 you're right, of course. Have you heard of them? Right? Aryah, 500 00:28:39.519 --> 00:28:45.000 what's going on with your firearms purchase? Uh? 501 00:28:45.200 --> 00:28:49.720 So I had to I placed an order. I placed 502 00:28:49.759 --> 00:28:51.880 an order through the store that I got trained at, 503 00:28:52.480 --> 00:28:55.279 and then they made me they had to order it, 504 00:28:55.319 --> 00:28:57.319 so I had to play it pay the entirety up 505 00:28:57.319 --> 00:28:59.200 front when I came back. 506 00:28:59.400 --> 00:29:02.240 Now, wait a minute, so you got you had to 507 00:29:02.240 --> 00:29:07.240 pay upfront for the weapon, right. 508 00:29:05.720 --> 00:29:08.160 Yes, because it was an online order. It wasn't physically 509 00:29:08.200 --> 00:29:08.839 in a store. 510 00:29:09.759 --> 00:29:12.359 Okay, but you were at the store they put the 511 00:29:12.480 --> 00:29:15.039 order in for you, or you did it online. That's 512 00:29:15.039 --> 00:29:16.200 the part I don't understand. 513 00:29:17.119 --> 00:29:19.200 Oh, they put the order in for me. I just 514 00:29:19.240 --> 00:29:21.640 went to their store because they're affiliate with the company 515 00:29:21.640 --> 00:29:25.720 that trained us to get an armed guard card. 516 00:29:26.359 --> 00:29:28.920 Okay, but did you know that you would be approved 517 00:29:28.920 --> 00:29:30.480 for it? Background and everything. 518 00:29:32.759 --> 00:29:36.799 I had the assumption I was, but I didn't. I 519 00:29:37.000 --> 00:29:39.440 you know, I didn't know. It's my first time trying 520 00:29:39.480 --> 00:29:40.440 to purchase a firearm. 521 00:29:41.160 --> 00:29:41.359 You know. 522 00:29:41.559 --> 00:29:44.160 I had an argument one time with a gun dealer 523 00:29:45.359 --> 00:29:50.839 who was charging people up front, and I said, technically, 524 00:29:51.440 --> 00:29:53.920 you're not buying a gun you're putting a deposit down 525 00:29:54.039 --> 00:29:57.599 because you can't buy it. They can't sell it to 526 00:29:57.640 --> 00:30:02.640 you until you're approved. Right, So how did they the 527 00:30:02.680 --> 00:30:04.480 money that you paid? How much did you pay? 528 00:30:06.319 --> 00:30:11.480 Uh with the firearm and the background check? Yeah, twelve 529 00:30:11.519 --> 00:30:16.440 hundred dollars, Uh, ninety four dollars and some sense. 530 00:30:16.880 --> 00:30:18.279 Okay, hold on a second. 531 00:30:18.279 --> 00:30:20.279 We'll come right back to you, because I'm interested to 532 00:30:20.359 --> 00:30:24.119 know what went on with this, and uh, it's pretty 533 00:30:24.440 --> 00:30:28.599 firearms people are under pretty strict scrutiny to do things right. 534 00:30:28.920 --> 00:30:29.480 So hang on. 535 00:30:29.960 --> 00:30:33.359 I'm Tom Martine three oh three seven one three Talks 536 00:30:33.400 --> 00:30:34.279 seven one three eight. 537 00:30:34.200 --> 00:30:34.960 Two five five. 538 00:30:35.000 --> 00:30:38.960 Probid energy dot com for your solar energy needs. You 539 00:30:39.039 --> 00:30:42.599 know there are only two solar people we endorse. Probid 540 00:30:42.920 --> 00:30:45.279 energy dot com will take care of you from the sales, 541 00:30:45.359 --> 00:30:47.240 through service and warranties. 542 00:30:47.680 --> 00:30:52.960 Probid energy dot com. 543 00:30:53.720 --> 00:30:57.000 Go with a sure thing Denver's best roofer Excel Roofing 544 00:30:57.079 --> 00:30:59.680 dot Com. You don't pay a cent until you're content. 545 00:31:01.279 --> 00:31:06.279 Wait time for an insurance checkup free, no obligation. In comparison, 546 00:31:06.400 --> 00:31:09.960 call Compass insurance paying too much your coverage at dozens 547 00:31:10.000 --> 00:31:12.720 of insurance companies find out now three all three seven 548 00:31:12.720 --> 00:31:13.319 to seven to one. 549 00:31:13.400 --> 00:31:13.680 Help. 550 00:31:13.839 --> 00:31:16.480 You'll think you're his only customer when you choose Frank 551 00:31:16.559 --> 00:31:19.000 durand the real estate man dot com to list your 552 00:31:19.039 --> 00:31:22.200 home with Remax Alliance three all three nine two zero 553 00:31:22.279 --> 00:31:28.599 sixteen twenty two. Hey Tom Martino, your troubleshooter three all 554 00:31:28.680 --> 00:31:33.079 three seven one three talk back to Uriah and uh free, 555 00:31:33.200 --> 00:31:37.519 Uh Uriah, what's happening? And how do we help you? 556 00:31:37.559 --> 00:31:38.119 Go ahead, sir? 557 00:31:38.799 --> 00:31:42.079 You said you paid up front twelve hundred bucks, background 558 00:31:42.200 --> 00:31:42.759 check and gun. 559 00:31:42.759 --> 00:31:43.480 What went wrong? 560 00:31:46.200 --> 00:31:50.240 The background check got denied? Uh so? I tried to appeal. 561 00:31:50.319 --> 00:31:52.720 Now wait, wait, wait, what do you mean? I don't understand. 562 00:31:52.759 --> 00:31:54.039 What do you mean? God denied? 563 00:31:55.920 --> 00:31:59.480 Uh so? So I purchased the fire arm. They waited 564 00:31:59.559 --> 00:32:01.880 a week and a half for the firearm to ship 565 00:32:01.960 --> 00:32:03.960 to the store. I went into the store to do 566 00:32:04.759 --> 00:32:07.519 the background check once the firearm had arived. 567 00:32:07.839 --> 00:32:09.759 Okay, that's the proper way. Then what. 568 00:32:12.079 --> 00:32:14.599 I did the background check, left the building and went 569 00:32:14.640 --> 00:32:17.519 to work. And then they called me about thirty minutes 570 00:32:17.599 --> 00:32:19.880 later saying that the background check got denied. 571 00:32:20.279 --> 00:32:24.960 Okay, so you get a refund except for the background check. 572 00:32:26.440 --> 00:32:30.599 That's that's too, that's too. What my awareness was, and 573 00:32:30.599 --> 00:32:34.039 that's what they had told me over the phone. And 574 00:32:34.079 --> 00:32:36.640 then they said that they just said, we issued the 575 00:32:36.680 --> 00:32:39.279 process of a refund. We just don't have a specific 576 00:32:39.359 --> 00:32:39.960 date for you. 577 00:32:40.759 --> 00:32:43.759 Wait a minute, Wait a minute. What kind of cocking 578 00:32:43.839 --> 00:32:44.720 made me crap? 579 00:32:44.839 --> 00:32:47.400 Is that they it? How long ago did you make 580 00:32:47.480 --> 00:32:48.200 this purchase? 581 00:32:50.160 --> 00:32:54.480 I made this purchase in April? 582 00:32:54.920 --> 00:32:59.640 And wait a minute, well in April? When did When 583 00:32:59.680 --> 00:33:00.720 did you get denied? 584 00:33:02.319 --> 00:33:03.559 I got denied in April. 585 00:33:04.680 --> 00:33:07.799 Okay, and you still haven't gotten your money back. 586 00:33:09.240 --> 00:33:12.519 No, sir, I'm still something I'm dealing with every day, 587 00:33:12.559 --> 00:33:13.400 trying to know You're not. 588 00:33:13.559 --> 00:33:15.400 No, you were're gonna call what's the name of this damse? 589 00:33:15.480 --> 00:33:16.640 What's the name of this store? 590 00:33:18.279 --> 00:33:22.440 Uh? The store is getting rebranded, I guess, but when 591 00:33:22.440 --> 00:33:23.319 I'm when I was there. 592 00:33:23.319 --> 00:33:28.079 Wait a minute, that's bad news. You said rebranded. It 593 00:33:28.160 --> 00:33:29.839 sounds did they sell. 594 00:33:32.319 --> 00:33:35.279 Look primarily from what I understood was that it's a 595 00:33:35.480 --> 00:33:37.559 firearms training for a company. 596 00:33:37.799 --> 00:33:41.559 But then they have your Riyah, hang on, man, smell 597 00:33:41.599 --> 00:33:45.480 a screw job here. Hold on, We're gonna get one 598 00:33:45.519 --> 00:33:50.079 of those deputies sitting in there, preferably probably Chopper, former cop, 599 00:33:50.160 --> 00:33:52.839 to do some digging on this chopper. 600 00:33:52.880 --> 00:33:54.680 Talk to him during the break. Let's see what we 601 00:33:54.720 --> 00:33:56.680 can do. We'll do. 602 00:33:58.119 --> 00:34:01.359 Go with a sure thing Denver's best rufer excel Roofing 603 00:34:01.480 --> 00:34:02.039 dot com. 604 00:34:02.079 --> 00:34:04.119 You don't pay a cent until you're content. 605 00:34:05.680 --> 00:34:09.960 Wait time for an insurance check up free, no obligation 606 00:34:10.079 --> 00:34:13.960 comparison call Compass Insurance paying too much your coverage at 607 00:34:14.000 --> 00:34:16.760 dozens of insurance companies find out now three oh three 608 00:34:16.880 --> 00:34:19.480 seven seven to one help. You'll think you're his only 609 00:34:19.559 --> 00:34:22.039 customer when you choose Frank durand the real estate Man 610 00:34:22.079 --> 00:34:25.480 dot com to list your home with Remax Alliance three 611 00:34:25.559 --> 00:34:30.840 oh three nine two zero sixteen twenty two. 612 00:34:33.159 --> 00:34:33.679 Ripped of. 613 00:34:35.440 --> 00:34:36.159 News. 614 00:34:36.679 --> 00:34:38.440 You need advice who you don't have? 615 00:34:41.119 --> 00:34:42.559 Run anxious as fast. 616 00:34:42.400 --> 00:34:43.119 As you can. 617 00:34:44.360 --> 00:34:45.679 Shooter's gonna help. 618 00:34:45.960 --> 00:34:53.719 Come man, this is the Troubleshooter Show. No Tom Martino, Okay. 619 00:34:53.599 --> 00:34:56.440 Tom Martino here, Welcome to the show. Three O three 620 00:34:56.519 --> 00:35:00.280 seven one three talk three oh three seven one three 621 00:35:00.400 --> 00:35:03.519 eight two five five. Here to help you anyway. We 622 00:35:03.559 --> 00:35:09.079 can even have problems to solve, things to help with 623 00:35:09.480 --> 00:35:12.239 when it comes to life, liberty, the pursuit of happiness 624 00:35:12.239 --> 00:35:17.519 in your pocketbook. I have a number texts and a 625 00:35:17.559 --> 00:35:21.599 couple calls. Uriah started with a deposit on a firearm. 626 00:35:21.679 --> 00:35:24.159 Deputy Choppers, you talked to him during the break at all. 627 00:35:24.199 --> 00:35:26.280 Yes, I did. I got all the information. I so 628 00:35:26.320 --> 00:35:27.599 tell me what's going on? Chopper? 629 00:35:27.639 --> 00:35:31.199 They just and Uriah? They I mean they owe him 630 00:35:31.199 --> 00:35:33.679 a refund. He didn't buy the gun. I mean, you know, 631 00:35:33.840 --> 00:35:36.719 I'll tell you something. The last used to do this, 632 00:35:36.880 --> 00:35:39.599 by the way, went to prison. Now he didn't necessarily 633 00:35:39.599 --> 00:35:41.800 go to prison for that, but it was among many 634 00:35:41.880 --> 00:35:46.199 things in his gun dealing days that he didn't do right. 635 00:35:46.400 --> 00:35:48.480 And you might want to remind him that you can't 636 00:35:48.559 --> 00:35:52.519 keep deposits for guns because that would be wrong. 637 00:35:52.840 --> 00:35:55.880 Now for the background check, yes, but how much does 638 00:35:55.880 --> 00:35:57.039 a background check cost? 639 00:35:57.440 --> 00:35:59.800 Do you think, Uryah? What did they say? 640 00:36:00.440 --> 00:36:00.639 Uh? 641 00:36:00.760 --> 00:36:03.679 It was fifty dollars out of the thirteen hundred nearly 642 00:36:04.400 --> 00:36:05.280 Now you've. 643 00:36:05.079 --> 00:36:07.639 Been have you been calling them? And what do they say? 644 00:36:07.760 --> 00:36:07.840 No? 645 00:36:08.119 --> 00:36:08.360 Or what? 646 00:36:10.719 --> 00:36:14.159 Uh? So, Well, the customer service was great until the 647 00:36:14.159 --> 00:36:17.119 refund thing started. They said that they would initiate it. 648 00:36:17.159 --> 00:36:19.239 Then every time I would follow up because they didn't 649 00:36:19.239 --> 00:36:21.599 provide a date, they would just nod after the phone 650 00:36:21.639 --> 00:36:24.760 and I'll leave a voicemail. Then they wouldn't answer, and 651 00:36:24.760 --> 00:36:27.039 so I would call again and then they would answer 652 00:36:27.079 --> 00:36:28.679 and say, yeah, we still don't have a date. 653 00:36:28.760 --> 00:36:31.960 But well, now, now why was your background checked? 654 00:36:32.199 --> 00:36:35.960 Why why was it rejected? 655 00:36:37.960 --> 00:36:43.679 I had something on my background that I found out 656 00:36:43.679 --> 00:36:47.159 that Yeah, I just I have a harassment charge on there. 657 00:36:47.800 --> 00:36:54.440 Okay, so listen, that was in April, and you what 658 00:36:54.519 --> 00:36:56.239 was the name of the at the time. 659 00:36:56.440 --> 00:36:57.599 What was the name of the shop. 660 00:36:59.280 --> 00:37:05.079 It's called UH Securities Strategic Security Solutions, LLC. 661 00:37:05.760 --> 00:37:09.079 And it was it was a training program. 662 00:37:09.639 --> 00:37:11.559 Yes, I went there at the training because I just 663 00:37:11.599 --> 00:37:14.199 started an armed guard position at the top of the years. 664 00:37:16.440 --> 00:37:18.400 Okay, do you still have that job? 665 00:37:19.760 --> 00:37:22.199 I still have that job? Good? 666 00:37:22.639 --> 00:37:28.000 Now, Strategic Security Solutions, and now when did it start transitioning? 667 00:37:30.760 --> 00:37:34.480 I don't necessarily have specifications from that, just kind of 668 00:37:34.480 --> 00:37:39.039 based on my recent research. What's the name now my researchers, Uh, 669 00:37:39.320 --> 00:37:43.039 I think it's called Mountain States Training Group, Ltd. 670 00:37:44.559 --> 00:37:51.679 I hope they didn't do some sneaky sale. Yeah, I 671 00:37:51.719 --> 00:37:52.920 want you to call on this. 672 00:37:52.840 --> 00:37:54.960 Better Business Bureaus when I found that out. 673 00:37:55.519 --> 00:38:01.480 Yeah, I want you to, uh Deputy, I want you 674 00:38:01.559 --> 00:38:03.760 to find out like during the show, let's not wait 675 00:38:03.800 --> 00:38:06.239 till today till this afternoon. I want to figure out 676 00:38:06.239 --> 00:38:07.360 what the hell's going on here. 677 00:38:07.440 --> 00:38:10.719 I'll give them a call. Yeah, there's something, there's something 678 00:38:10.760 --> 00:38:11.360 wrong here. 679 00:38:11.519 --> 00:38:14.599 So anyway, you hang on, you Riyah, I mean unless 680 00:38:14.639 --> 00:38:16.679 the chopper you have everything and we can just move on. 681 00:38:16.719 --> 00:38:18.360 You'll do that, you can let them go. 682 00:38:18.440 --> 00:38:20.280 I got it, Okay, Ry we can hang up. I'll 683 00:38:20.320 --> 00:38:22.360 go to the next call and then we'll call you back. Okay, 684 00:38:22.400 --> 00:38:26.000 we're gonna do some research on this one and up. 685 00:38:27.960 --> 00:38:29.760 No problem, man, no problem. 686 00:38:30.079 --> 00:38:32.400 And speaking of your Riyah, I was I was joking 687 00:38:32.400 --> 00:38:33.480 about you, Riyah Heap. 688 00:38:33.519 --> 00:38:39.440 But it's a real group here because I need some please. 689 00:38:40.679 --> 00:38:45.400 Your Ry Heap stealing. Actually they were not a bad group. 690 00:38:45.519 --> 00:38:54.239 Let me jump forward here. I wonder where they are now. Okay, 691 00:38:55.280 --> 00:38:58.039 let's talk to Richard. He has a comment on retirement. 692 00:38:58.440 --> 00:39:00.559 I've said a lot of people are putting off retirement 693 00:39:00.679 --> 00:39:01.320 and they're working. 694 00:39:01.400 --> 00:39:02.079 They enjoy it. 695 00:39:03.519 --> 00:39:05.440 You know, by the way, when you get to a 696 00:39:05.440 --> 00:39:07.599 lot of people think this isn't fair, but I think 697 00:39:08.119 --> 00:39:10.840 you earned it. You should get it social security when 698 00:39:10.840 --> 00:39:14.239 you reach full retirement age. Why shouldn't you get social 699 00:39:14.239 --> 00:39:16.719 security even if you're working? Hey, Richard, go ahead, what's 700 00:39:16.719 --> 00:39:17.199 your comment? 701 00:39:18.519 --> 00:39:18.840 Hello? 702 00:39:19.880 --> 00:39:25.119 They have minimmore retirement sixteen. You get a living in 703 00:39:25.239 --> 00:39:29.719 of money, like three quarter of it. She has seventy 704 00:39:29.880 --> 00:39:31.440 two to get full print. 705 00:39:31.559 --> 00:39:32.880 Where where's that? 706 00:39:34.480 --> 00:39:35.480 Or in Colorado? 707 00:39:36.480 --> 00:39:36.760 Wait? 708 00:39:36.760 --> 00:39:40.119 Wait, no, no, no. 709 00:39:38.320 --> 00:39:39.480 You don't have to be seventy. 710 00:39:39.880 --> 00:39:43.079 You don't have to be seventy to get full retirement. 711 00:39:44.519 --> 00:39:48.320 Wait wait, my wife's retired at these seven. They gave 712 00:39:48.559 --> 00:39:51.159 her a partial No. 713 00:39:51.039 --> 00:39:53.360 You get full retirement at sixty seven. I don't know 714 00:39:53.360 --> 00:39:54.199 what you're talking. 715 00:39:54.000 --> 00:39:59.559 About, because I'm getting, bro, you're. 716 00:39:59.440 --> 00:40:01.559 Getting wrong information is what you're getting. 717 00:40:03.199 --> 00:40:09.000 I'm getting I'm going through cancer, prostate cancer, and I'm 718 00:40:09.159 --> 00:40:09.760 this sable. 719 00:40:10.639 --> 00:40:12.679 May I ask you something? Hold on a sec hold on, 720 00:40:12.760 --> 00:40:15.519 hold on, hold on, hold on, man hold on. How 721 00:40:15.559 --> 00:40:16.199 old was. 722 00:40:16.119 --> 00:40:21.039 Your wife when she applied for full Social Security for. 723 00:40:21.199 --> 00:40:22.280 Her sixty two? 724 00:40:23.679 --> 00:40:30.320 Well, that's not full social security? She okay, Look, you 725 00:40:30.440 --> 00:40:34.679 said that the full retirement age is seventy. 726 00:40:35.800 --> 00:40:38.920 Seventy two. They're going to seventy two. 727 00:40:39.679 --> 00:40:43.719 Okay, no they're not. So how do I tell you 728 00:40:43.719 --> 00:40:44.199 you're wrong? 729 00:40:46.159 --> 00:40:47.079 Why you just did? 730 00:40:47.800 --> 00:40:50.159 How? What year was your wife born? 731 00:40:50.280 --> 00:40:52.119 And I'm not trying to be a smart aleca I 732 00:40:52.159 --> 00:40:55.199 want to help you, especially if you have cancer. What 733 00:40:55.199 --> 00:40:59.679 what year was your wife born fifty six? 734 00:41:00.920 --> 00:41:01.239 Correct? 735 00:41:02.039 --> 00:41:03.800 Okay, born in fifty eight. 736 00:41:04.639 --> 00:41:12.199 Okay, then your retirement, your retirement is at sixty six 737 00:41:12.320 --> 00:41:19.519 years old. Technically sixty six years old within a few months. 738 00:41:19.599 --> 00:41:24.480 It's anywhere from two to ten months all or to 739 00:41:24.559 --> 00:41:28.119 get full To get full retirement, you have to be 740 00:41:28.480 --> 00:41:31.480 basically sixty six in a few months, both you and 741 00:41:31.519 --> 00:41:36.280 your wife. 742 00:41:36.880 --> 00:41:41.840 Because my wife hasn't really work, so you draw enough mine. 743 00:41:43.000 --> 00:41:47.079 Well, if your wife didn't work enough quarters, then hold on. 744 00:41:47.440 --> 00:41:50.880 If your wife did not work enough quarters, then she 745 00:41:51.039 --> 00:41:55.599 could elect to UH to postpone her benefits and they 746 00:41:55.599 --> 00:41:59.679 would grow by about eight percent a year until seventy 747 00:42:00.119 --> 00:42:02.800 You can't wait beyond seventy though. 748 00:42:04.000 --> 00:42:04.199 Yep. 749 00:42:05.000 --> 00:42:08.800 But that's why we're staying in the job. These people were. 750 00:42:08.760 --> 00:42:13.039 Coming, Oh are you still working. 751 00:42:14.320 --> 00:42:18.119 Time part time at the base? Bake three? 752 00:42:18.679 --> 00:42:20.679 How old are you right now? You were born in 753 00:42:20.719 --> 00:42:21.599 fifty eight. 754 00:42:21.519 --> 00:42:26.280 So you're born fifty eight, sixty five, sixty. 755 00:42:26.079 --> 00:42:29.920 Six October, So you can retire with all your benefits 756 00:42:29.960 --> 00:42:30.480 next year. 757 00:42:32.000 --> 00:42:36.519 But because I'm getting the disabled, I think I'm getting 758 00:42:36.639 --> 00:42:38.360 fool right now now? 759 00:42:38.480 --> 00:42:41.599 Oh, okay, So are you, But you're still working even 760 00:42:41.639 --> 00:42:42.559 though you have cancer. 761 00:42:43.960 --> 00:42:45.079 I'm doing a little bit. 762 00:42:45.320 --> 00:42:47.280 Yes, what kind of cancer? 763 00:42:47.320 --> 00:42:47.679 Eage? Shay? 764 00:42:47.719 --> 00:42:51.199 You had bro Pross States. 765 00:42:51.880 --> 00:42:53.920 You know they have really good treatment for that. You 766 00:42:53.960 --> 00:42:54.559 know that, right. 767 00:42:55.719 --> 00:43:01.159 I've had chemo eight years ago, radiation six months ago. 768 00:43:02.280 --> 00:43:04.360 Wait a minute, you had it. You had it eight 769 00:43:04.440 --> 00:43:07.559 years ago. You you had it eight years ago and 770 00:43:07.599 --> 00:43:08.239 it came back. 771 00:43:09.639 --> 00:43:13.280 Yes, Well I'm so wise. 772 00:43:14.880 --> 00:43:17.639 And how's how are you doing? What's uh? How how 773 00:43:17.679 --> 00:43:20.559 serious is it now? Oh? 774 00:43:21.679 --> 00:43:26.800 They're good, it's well, it's zerous. 775 00:43:26.800 --> 00:43:28.760 I wish you the best, man, I wish you the best. 776 00:43:30.280 --> 00:43:35.119 That it's in there got me on the throwing the 777 00:43:35.159 --> 00:43:38.639 way down. I keep it down purposely. 778 00:43:39.760 --> 00:43:42.079 Well, it's going to be down anyway at your age. 779 00:43:42.239 --> 00:43:43.840 And by the way, I don't want to get into 780 00:43:43.880 --> 00:43:45.920 this because I want you to do whatever you got 781 00:43:45.960 --> 00:43:48.719 to do with your doctors. But that's a little bit 782 00:43:48.760 --> 00:43:51.159 of a myth that testosterone feeds that cancer. I don't 783 00:43:51.199 --> 00:43:54.159 want to get into it again, you know, because people 784 00:43:54.199 --> 00:43:56.239 have their thoughts and I'm never going to tell them 785 00:43:56.760 --> 00:43:59.320 not to listen to their docs. I mean, obviously you 786 00:43:59.360 --> 00:44:01.760 don't want to be on testosterone treatment right now. But 787 00:44:02.280 --> 00:44:05.960 the idea that testosterone causes it or feeds it. 788 00:44:05.519 --> 00:44:06.880 Is just bull crap. 789 00:44:07.480 --> 00:44:13.559 Mike, you have a comment on that firearms issue, Go ahead, Yeah. 790 00:44:13.440 --> 00:44:15.800 Tom, you talked about a blast in the past. 791 00:44:15.599 --> 00:44:19.440 That other gun dealer, not the one that Josiah is 792 00:44:19.480 --> 00:44:20.320 dealing with. 793 00:44:20.599 --> 00:44:23.199 But with the one that went to jail. 794 00:44:23.760 --> 00:44:27.639 Yeah, he's out now. And by the way, the reason 795 00:44:27.679 --> 00:44:29.480 I didn't mention him is because he did his time. 796 00:44:29.519 --> 00:44:30.760 You know, I don't want to. I don't want to 797 00:44:30.840 --> 00:44:35.320 drag his name through the mud, right are you there? 798 00:44:36.000 --> 00:44:38.880 You know what? What what a turn of events because 799 00:44:38.880 --> 00:44:41.599 he did not own that gun store and it turns 800 00:44:41.639 --> 00:44:47.639 out that the ATF alleged that he stayed a couple 801 00:44:47.679 --> 00:44:51.840 of burglaries and did some money laundering in Florida. 802 00:44:51.960 --> 00:44:53.320 But well, I don't know. 803 00:44:53.360 --> 00:44:55.760 But was he actually you know, again, like I said, 804 00:44:55.760 --> 00:44:57.840 he's not here to defend himself and I don't really 805 00:44:57.880 --> 00:44:59.519 want to drag his name through the muddy. Did go 806 00:44:59.559 --> 00:45:01.760 to prison? I mean, come on, But here's what I 807 00:45:01.800 --> 00:45:04.199 want to know. Was he convicted of all that stuff? 808 00:45:06.400 --> 00:45:08.800 I believe he was because he was sentenced to seventy 809 00:45:08.800 --> 00:45:09.760 eight months in prison. 810 00:45:11.599 --> 00:45:15.119 Yeah, So in any case, like I said, I don't 811 00:45:15.119 --> 00:45:17.719 know what he's doing now, But like I said, I 812 00:45:17.760 --> 00:45:21.079 don't think he deserves a life sentence, right, So I 813 00:45:21.119 --> 00:45:27.280 hope everything is going well for him. And you know, 814 00:45:27.400 --> 00:45:30.840 like I said, I really wasn't that familiar with the case. 815 00:45:32.119 --> 00:45:34.719 I know that he didn't like me much, and he 816 00:45:34.840 --> 00:45:39.559 was good friends at one time with Peter Boyles and 817 00:45:39.679 --> 00:45:42.840 on a show quite a bit. But like I said, 818 00:45:42.960 --> 00:45:46.679 it's kind of like you never know the real story, 819 00:45:46.719 --> 00:45:46.880 you know. 820 00:45:46.960 --> 00:45:50.679 I mean, I know that he was a controversial figure 821 00:45:51.159 --> 00:45:54.840 and his show, actually these guys imploded. That show was 822 00:45:55.000 --> 00:45:58.199 very popular. They all did pretty well on that show, 823 00:45:58.280 --> 00:45:59.599 So who the hell knows? 824 00:46:00.159 --> 00:46:02.480 I'm Tom Martino. We have more coming up on the 825 00:46:02.559 --> 00:46:10.280 Troubleshooter Show. Go with a sure Thing Denver's Best Roofer 826 00:46:10.400 --> 00:46:13.320 Excel Roofing dot com. You don't pay a cent until 827 00:46:13.360 --> 00:46:19.800 you're content. Time for an insurance check up free, no obligation. 828 00:46:19.840 --> 00:46:23.679 In comparison, call Compass Insurance paying too much your coverage 829 00:46:23.679 --> 00:46:26.599 at dozens of insurance companies find out now three oh three, 830 00:46:26.719 --> 00:46:28.880 seven to seven to one help. You'll think you're his 831 00:46:29.039 --> 00:46:31.639 only customer when you choose Frank durand the Real Estate 832 00:46:31.679 --> 00:46:34.960 Man dot com to list your home with Remax Alliance 833 00:46:35.159 --> 00:46:44.480 three oh three nine two zero sixteen twenty two. Hi 834 00:46:44.559 --> 00:46:47.159 Tom Martino here three O three seven one three talks 835 00:46:47.159 --> 00:46:51.800 seven one three eight two five five. All right, let's 836 00:46:51.840 --> 00:46:57.400 keep going. Here we have Lee with a question about 837 00:46:57.400 --> 00:46:59.800 car insurance. Hi Lee, I'm Tom Martino. What's going on? 838 00:47:00.880 --> 00:47:04.639 Thank you Tom for taking this call. Yes, sir, I 839 00:47:04.800 --> 00:47:08.760 took out a loan two months back with a company 840 00:47:08.760 --> 00:47:09.719 called Landmark. 841 00:47:10.360 --> 00:47:11.199 And what's the loan for? 842 00:47:11.440 --> 00:47:15.880 Man, It was three thousand dollars to do some repairs 843 00:47:15.960 --> 00:47:19.920 on my little two thousand and six Saturn View that 844 00:47:20.039 --> 00:47:22.960 I bought from a neighbor, So it wasn't considered a 845 00:47:23.000 --> 00:47:28.480 car loan, not necessarily. What they did, though, was they 846 00:47:28.519 --> 00:47:31.719 wanted the title because that was going to be the 847 00:47:31.760 --> 00:47:32.159 part of. 848 00:47:32.119 --> 00:47:36.320 The security that's called a car loan. Uh huh, okay, 849 00:47:36.360 --> 00:47:37.800 that's technically a car loan. 850 00:47:37.880 --> 00:47:41.679 Pay it that way. But here's what happened. Get the 851 00:47:41.760 --> 00:47:44.880 loan and they say we need to see your insurance card. 852 00:47:44.960 --> 00:47:47.159 That's well, not a problem, So I got it, showed 853 00:47:47.199 --> 00:47:50.840 it to them. I have my liability insurance on a 854 00:47:50.880 --> 00:47:56.599 two thousand and six with Progressive, so at the time 855 00:47:57.039 --> 00:47:58.000 that we signed. 856 00:47:57.679 --> 00:47:59.679 The law kind of two thousand and six. What kind 857 00:47:59.719 --> 00:48:00.760 of car two thousand and six? 858 00:48:00.800 --> 00:48:03.320 What it's a saturn view? 859 00:48:03.880 --> 00:48:07.639 Okay, now you needed to have you needed to technically 860 00:48:07.679 --> 00:48:10.159 have property or collision on that. 861 00:48:10.559 --> 00:48:12.079 And we'll get to that right now. 862 00:48:12.320 --> 00:48:13.000 Okay, go ahead. 863 00:48:13.159 --> 00:48:16.800 What happens? Okay? When we were doing the loans the ladies, 864 00:48:16.960 --> 00:48:20.480 I says to her, I see you want me to 865 00:48:20.599 --> 00:48:24.280 take your insurance to cover the car in case something 866 00:48:24.320 --> 00:48:24.880 happens to it. 867 00:48:24.960 --> 00:48:27.159 Well, you didn't have to. You didn't have to, you 868 00:48:27.159 --> 00:48:28.039 could do either one. 869 00:48:28.800 --> 00:48:31.159 Yeah, now that part you know, of course, not knowing. 870 00:48:31.239 --> 00:48:33.039 I just wanted to get put in a new clutch, 871 00:48:33.119 --> 00:48:37.800 do the things I needed. Well, I happened to go ahead, 872 00:48:37.800 --> 00:48:39.599 and I says, well, you know I can just get 873 00:48:39.639 --> 00:48:42.760 five hundred dollars or one thousand dollars. We'll just added 874 00:48:42.840 --> 00:48:45.760 to my progressive. She said, well, we would prefer you 875 00:48:45.840 --> 00:48:48.719 to take this. Well, so I did. I said, okay, 876 00:48:49.079 --> 00:48:51.719 I'll take your insurance. I said, now it covers everything, 877 00:48:51.840 --> 00:48:54.079 just like mine would was progressive. 878 00:48:54.159 --> 00:48:57.440 Oh yes, oh yes, no, hold on, did you take 879 00:48:57.599 --> 00:49:00.199 all hold on? Did you keep liabill but that he 880 00:49:00.199 --> 00:49:03.000 would progressive or did you do all of it? Through them. 881 00:49:03.480 --> 00:49:06.800 No, I kept my progressive It's always been the same. 882 00:49:07.239 --> 00:49:09.920 They take that out every month. And then I took 883 00:49:10.000 --> 00:49:12.960 this insurance policy. I've never seen it or anything. 884 00:49:13.239 --> 00:49:17.119 I just verbally, I said, because it's not your insurance policy, Lee, 885 00:49:17.320 --> 00:49:20.000 you misunderstood completely, and let me explain it to you. 886 00:49:20.159 --> 00:49:21.840 All right, Just let me get right to it. 887 00:49:22.360 --> 00:49:22.679 Okay. 888 00:49:22.800 --> 00:49:27.559 That policy that lenders put on you does not cover you. 889 00:49:27.960 --> 00:49:33.880 It covers the balance of the loan period, right, Okay, 890 00:49:34.000 --> 00:49:34.440 keep going. 891 00:49:35.360 --> 00:49:40.239 Okay. So I'm a veteran. I was up at the 892 00:49:40.320 --> 00:49:45.000 VA on July twentieth, on my way home kind of 893 00:49:45.000 --> 00:49:49.280 by Loveland and for a birtha. I got caught in 894 00:49:49.519 --> 00:49:53.559 one of the worst hailstorms. I've been here all my life. 895 00:49:53.840 --> 00:49:56.199 I know how much hail comes down around here. I 896 00:49:56.679 --> 00:50:00.360 know about it. So I go down after it beat 897 00:50:00.440 --> 00:50:03.599 my car so badly, broke windshield this out, and yes, 898 00:50:04.079 --> 00:50:07.000 he'll drive it down there. So they said, well, here, 899 00:50:07.119 --> 00:50:10.559 you need to go get a take it to somebody, 900 00:50:11.039 --> 00:50:14.159 get everything checked, and give me the paperwork. So I 901 00:50:14.239 --> 00:50:17.360 did all that, turned it all in in this company 902 00:50:17.400 --> 00:50:22.800 called Securion, that is who their insurance is covered by it. 903 00:50:22.880 --> 00:50:26.360 But it's only to cover them. So I have a feeling. 904 00:50:26.440 --> 00:50:28.800 I know what's going to happen, So keep going. What happened? 905 00:50:28.800 --> 00:50:28.960 Then? 906 00:50:29.440 --> 00:50:33.519 Okay, I get a letter They said this vehicle was 907 00:50:33.599 --> 00:50:39.880 not covered because due to frost, cold weather. I'm snow 908 00:50:40.280 --> 00:50:44.440 or sleep. It is not covered here, even though you're 909 00:50:44.480 --> 00:50:48.679 paying six hundred whatever dollars. It was they in this 910 00:50:48.840 --> 00:50:52.519 little letter, it says we have exclusions. If you are 911 00:50:52.800 --> 00:50:57.719 a single interest vehicle coverage, you don't get covered under this. 912 00:50:58.079 --> 00:50:59.559 If you're a dude, I've never. 913 00:50:59.400 --> 00:51:04.480 Seen any of but Lee, Lee, Lee, I'm sorry you didn't, Bro, 914 00:51:04.639 --> 00:51:07.639 I'm really sorry. But what I'm telling you is this 915 00:51:08.480 --> 00:51:10.400 that was up to you to demand to see this 916 00:51:10.519 --> 00:51:13.400 policy you were buying. Were you paying six hundred dollars 917 00:51:13.480 --> 00:51:14.639 a year for this policy? 918 00:51:15.400 --> 00:51:15.639 Yeah? 919 00:51:16.159 --> 00:51:20.360 Okay, Can I explain something. It wasn't a policy for you. 920 00:51:21.000 --> 00:51:23.960 And the only way that policy is going to pay 921 00:51:24.519 --> 00:51:28.039 is if that car is no longer of use to you. 922 00:51:28.000 --> 00:51:33.400 And you stop making payments. It's not going to cover you. 923 00:51:34.039 --> 00:51:38.840 It covers the lender only you made a mistake by 924 00:51:38.880 --> 00:51:43.559 buying it. It did not cover you. Okay, But I 925 00:51:43.639 --> 00:51:45.960 don't know what to tell you. It is what it is. 926 00:51:46.440 --> 00:51:50.280 There was no policy on anything that happens to that car. 927 00:51:50.360 --> 00:51:53.719 It's a very limited policy, very limited. 928 00:51:54.639 --> 00:51:59.440 You see how they were real persistent. Well, this part 929 00:51:59.480 --> 00:52:01.519 of it, in case something goes. 930 00:52:01.360 --> 00:52:04.079 On it is no. No, I don't know what they said. 931 00:52:04.159 --> 00:52:06.519 I don't know what they said if something goes wrong, 932 00:52:06.599 --> 00:52:07.840 I don't know if they said that. 933 00:52:07.960 --> 00:52:11.039 Lee. All I know is this, you it was. 934 00:52:10.960 --> 00:52:14.599 Within your power to say, now, can I see the policy? 935 00:52:14.880 --> 00:52:17.599 And first of all, you can't have two separate policies 936 00:52:18.119 --> 00:52:19.239 if you're not allowed to. 937 00:52:19.840 --> 00:52:22.000 So therefore you had to. 938 00:52:22.000 --> 00:52:26.079 Have Well, most people would have known that was their policy. 939 00:52:26.280 --> 00:52:29.280 It wasn't your power. It's not even written to you. 940 00:52:29.880 --> 00:52:33.360 They just charge you for it. It's called forced insurance. 941 00:52:33.880 --> 00:52:36.599 And if you would have insisted on getting your own, 942 00:52:36.719 --> 00:52:38.039 you could have gotten your own. 943 00:52:38.719 --> 00:52:41.159 You're right there. Yeah, and that's the mistake I made. 944 00:52:41.239 --> 00:52:44.440 For the few dollars per month, just added to my 945 00:52:44.679 --> 00:52:49.159 progressive everything would have been taken care of. Progressive would 946 00:52:49.159 --> 00:52:50.440 have Well, don't. 947 00:52:50.559 --> 00:52:53.239 Be so fast to say everything would have been taken 948 00:52:53.239 --> 00:52:56.639 care of on a two thousand and six. Well, on 949 00:52:56.679 --> 00:53:00.000 a two thousand and six they may have totaled your car. 950 00:53:01.199 --> 00:53:04.079 Correct, I get that. But yeah, but this other way 951 00:53:04.159 --> 00:53:06.239 I got no coverage. 952 00:53:06.719 --> 00:53:10.480 No, that's true, that's true. But but you're right, you're right, 953 00:53:12.000 --> 00:53:13.719 that's right. But what is it? 954 00:53:14.039 --> 00:53:16.679 How extensive is the damage? 955 00:53:16.960 --> 00:53:19.039 Forty seven almost forty eight hundred? 956 00:53:19.559 --> 00:53:21.440 What's your car? What's your car worth? 957 00:53:22.119 --> 00:53:24.159 Five thous saying about that much? 958 00:53:24.519 --> 00:53:27.320 Okay, so you're saying, and how much you owe on 959 00:53:27.360 --> 00:53:27.960 the loan. 960 00:53:30.000 --> 00:53:32.960 The same? About five thousand because. 961 00:53:32.840 --> 00:53:36.320 Okay, so you see, you wouldn't have gotten no matter what. 962 00:53:36.440 --> 00:53:41.280 Listen carefully, now, had they paid off you, they would 963 00:53:41.280 --> 00:53:43.480 have told of this car. You would have gotten not 964 00:53:43.559 --> 00:53:46.880 a red scent, and you would have walked away. Yes, 965 00:53:46.960 --> 00:53:49.840 so you were all right, So you would prefer to 966 00:53:49.920 --> 00:53:55.039 walk away and and just surrender the car, because I'm 967 00:53:55.079 --> 00:53:57.119 sure that they would probably do that. 968 00:53:58.320 --> 00:54:01.400 Nope, they didn't. Here's what they did. They said, since 969 00:54:01.400 --> 00:54:04.719 the car isn't worth anything, your loan would be paid 970 00:54:04.760 --> 00:54:08.440 every month for the rest of the period. Right your title? 971 00:54:08.719 --> 00:54:09.800 They sent me the title? 972 00:54:09.880 --> 00:54:13.440 Oh good, okay, So so what these people did now 973 00:54:13.480 --> 00:54:16.679 that you got a good deal, Actually, they paid off 974 00:54:16.679 --> 00:54:19.159 your loan and gave you the title. Normally they would 975 00:54:19.280 --> 00:54:19.760 keep it. 976 00:54:20.559 --> 00:54:24.599 No, they didn't pay I said, I still owe them 977 00:54:24.719 --> 00:54:26.400 five thousand dollars. 978 00:54:26.199 --> 00:54:28.400 They say they would pay off the loan. 979 00:54:29.320 --> 00:54:30.920 No, not at all. 980 00:54:31.079 --> 00:54:34.159 No they what did you just you just said? Correct me? 981 00:54:34.239 --> 00:54:36.719 Hold on, guys, am I going crazy? Or did you 982 00:54:36.800 --> 00:54:40.039 just say they would continue paying? Or you continue paying? 983 00:54:40.159 --> 00:54:44.480 I continue paying every month until the loan is paid off. 984 00:54:45.000 --> 00:54:47.599 They said, here, you can have your title because the 985 00:54:47.679 --> 00:54:51.400 car isn't worth anything anymore. No, no, no, no, no, no, 986 00:54:51.400 --> 00:54:52.880 no no, no no the entire. 987 00:54:52.760 --> 00:54:55.400 No no no no no no no no no no 988 00:54:55.400 --> 00:54:57.440 no no no that No. 989 00:54:58.159 --> 00:55:02.039 I'm sorry. They can't double You're right, Lee, they can't 990 00:55:02.079 --> 00:55:04.920 double dip. I don't know what the hell they have. Well, 991 00:55:04.960 --> 00:55:08.519 they can't. If they got paid for the loss of 992 00:55:08.599 --> 00:55:12.239 that car, then it's done. 993 00:55:12.559 --> 00:55:14.840 Yeah they didn't though. See that's what I'm saying. 994 00:55:15.320 --> 00:55:17.239 Well, we're gonna call them. We're gonna call them. 995 00:55:17.440 --> 00:55:19.639 You should be able to walk away from it. If 996 00:55:19.679 --> 00:55:22.639 you do walk away from it, can you buy another car? 997 00:55:23.199 --> 00:55:25.599 Well it'll have to wait, you know a little bit, 998 00:55:25.679 --> 00:55:26.960 so I can get a few funds. 999 00:55:27.079 --> 00:55:29.159 Well maybe we can. But here's what I'm saying. 1000 00:55:29.199 --> 00:55:32.920 Maybe we negotiate something where you pay for the salvage. 1001 00:55:34.880 --> 00:55:37.119 Yeah, well no, I'm lee. 1002 00:55:37.519 --> 00:55:37.719 Lee. 1003 00:55:38.079 --> 00:55:40.559 Let's say you pay a couple months or a few 1004 00:55:40.800 --> 00:55:41.960 How much you pay every month? 1005 00:55:43.199 --> 00:55:45.960 Oh, it's gonna be this first payment. It's like two 1006 00:55:46.000 --> 00:55:46.880 hundred and twenty four. 1007 00:55:47.079 --> 00:55:49.760 What do you mean this first payment? You've been paying 1008 00:55:49.800 --> 00:55:52.000 on the thing. What do you mean this first payment? 1009 00:55:52.239 --> 00:55:53.519 What do you pay normally? 1010 00:55:56.320 --> 00:55:59.239 See, this is a relative to this, Lee. 1011 00:55:59.320 --> 00:56:01.239 You're not telling me the whole story, and I know 1012 00:56:01.280 --> 00:56:03.199 you're not. Okay, here's what they told you. 1013 00:56:03.599 --> 00:56:07.599 They told you you can pay for the salvage monthly 1014 00:56:07.960 --> 00:56:10.599 and keep the car. That's what they told you, because 1015 00:56:10.639 --> 00:56:11.719 if you had to pay off. 1016 00:56:11.599 --> 00:56:15.679 Five thousand dollars that you owed, you wouldn't have said, well, 1017 00:56:15.719 --> 00:56:18.760 my first payment here is going to be such and such. 1018 00:56:18.960 --> 00:56:22.400 It's not a first payment. So what did they reduce 1019 00:56:22.480 --> 00:56:24.639 your car payment? No? 1020 00:56:25.280 --> 00:56:28.079 Let me, I can't say it any clear. I got 1021 00:56:28.079 --> 00:56:30.599 the letter, I've seen it now, and what you said 1022 00:56:30.719 --> 00:56:33.760 at the very beginning of our conversation is absolutely right. 1023 00:56:34.199 --> 00:56:38.599 What I didn't do was read the policy. Lee. 1024 00:56:39.119 --> 00:56:42.559 I'm asking a simple question. Do they want you to 1025 00:56:42.639 --> 00:56:51.719 pay off the entire five thousand dollars to keep the salvage. 1026 00:56:54.000 --> 00:56:57.840 I've got to pay it off because they said I owed. 1027 00:56:57.960 --> 00:57:00.639 That has nothing new with the car anymore? 1028 00:57:01.079 --> 00:57:03.800 Okay, got I get it, I get it rid of 1029 00:57:03.840 --> 00:57:09.199 the car. Well, they can't do that. So here's what 1030 00:57:09.239 --> 00:57:10.639 they can. Lee. 1031 00:57:10.920 --> 00:57:13.519 If you want to listen to me, just be quiet 1032 00:57:13.599 --> 00:57:17.159 because you know nothing, nothing at all. If the way 1033 00:57:17.199 --> 00:57:21.800 it should be is this, they got paid off, You're 1034 00:57:21.880 --> 00:57:27.159 done that. That insurance was their insurance to your benefit. 1035 00:57:28.239 --> 00:57:32.920 Right now, they have an unsecured loan with you, and 1036 00:57:33.000 --> 00:57:38.000 what they should do is sell you the salvage if 1037 00:57:38.039 --> 00:57:40.559 you want to keep it, and allow you to pay 1038 00:57:40.559 --> 00:57:41.000 it off. 1039 00:57:41.519 --> 00:57:44.440 The salvage value in that car. Well, might I don't know, 1040 00:57:44.519 --> 00:57:48.079 one thousand dollars, maybe I don't know, maybe less, But 1041 00:57:48.159 --> 00:57:51.719 that's what we should negotiate. They should not double dip 1042 00:57:51.719 --> 00:57:55.360 on this damn thing. Did that letter come from the lender, Yes, 1043 00:57:55.400 --> 00:57:58.639 it did not from the insurance company. That insurance company 1044 00:57:58.679 --> 00:58:02.039 made the lender whole. Well, this lender is now trying 1045 00:58:02.079 --> 00:58:05.760 to take advantage of you. What's the name of the lender. 1046 00:58:06.880 --> 00:58:08.400 Well, it's Lendmark. 1047 00:58:09.880 --> 00:58:10.199 Okay. 1048 00:58:10.360 --> 00:58:14.960 I think I really truly believe that there's what I 1049 00:58:15.519 --> 00:58:18.480 paid for, or what I thought I was paying for, 1050 00:58:18.719 --> 00:58:22.440 was coverage that would cover hal And according to all 1051 00:58:22.519 --> 00:58:23.760 lists that I've read, that. 1052 00:58:23.719 --> 00:58:26.960 Part doesn't matter Right now, that part doesn't matter. Lee, 1053 00:58:27.119 --> 00:58:30.119 I'm not going over that again. So it doesn't cover 1054 00:58:30.199 --> 00:58:32.960 hal No matter what you thought, it doesn't matter what 1055 00:58:33.039 --> 00:58:33.519 we think. 1056 00:58:33.639 --> 00:58:36.480 It matters what it is. I have a saying it 1057 00:58:36.559 --> 00:58:37.199 is what it is. 1058 00:58:37.559 --> 00:58:40.519 So I want to help you though, because you should 1059 00:58:40.559 --> 00:58:43.840 not have to pay five thousand dollars for a salvage vehicle. 1060 00:58:44.000 --> 00:58:46.880 Okay that in my opinion, you shouldn't have to pay that, 1061 00:58:47.199 --> 00:58:50.159 And we should have Deputy Dollar call over there and 1062 00:58:50.199 --> 00:58:52.719 talk to these guys and say, look, you've already been 1063 00:58:52.760 --> 00:58:56.480 paid charging for the salvage value. Unless you don't want 1064 00:58:56.480 --> 00:58:58.679 it at all, Lee, you just want to walk away? 1065 00:58:58.760 --> 00:59:01.400 Do you just want to walk away? I recommend you 1066 00:59:01.480 --> 00:59:03.280 take the salvage if it's drivable. 1067 00:59:04.239 --> 00:59:07.519 I've got it and I'm driving it right now, and 1068 00:59:07.559 --> 00:59:10.480 it's got all the dings and stuff in it. It's 1069 00:59:10.639 --> 00:59:13.679 just what it is. They released the title. They says 1070 00:59:13.760 --> 00:59:15.599 that way you can do what you want with it. 1071 00:59:16.199 --> 00:59:17.960 So I'm I guess, But. 1072 00:59:18.039 --> 00:59:20.559 How do they plan on making you pay the five grand? 1073 00:59:20.719 --> 00:59:23.039 How do they plan on making you play the five grand? 1074 00:59:23.159 --> 00:59:25.280 Are they going to repossess the car? They can't. They 1075 00:59:25.320 --> 00:59:28.119 gave it to you, So I don't dollar. Would you 1076 00:59:28.239 --> 00:59:30.719 call them and just see what they have in mind? 1077 00:59:30.719 --> 00:59:34.760 Because this is the queerest, weirdest problem I've heard. Three 1078 00:59:34.880 --> 00:59:37.800 zero three seven one three talks seven one three eight 1079 00:59:37.920 --> 00:59:45.639 two five five. Go with a sure thing Denver's best 1080 00:59:45.679 --> 00:59:48.559 roofer Excel Roofing dot com. You don't pay a cent 1081 00:59:48.800 --> 00:59:54.840 until you're content. Time for an insurance check up free, 1082 00:59:54.920 --> 00:59:58.639 no obligation. In comparison, call Compass Insurance paying too much 1083 00:59:58.800 --> 01:00:02.000 your coverage? A dozen insurance companies find out now three 1084 01:00:02.000 --> 01:00:04.519 all three seven seven to one help. You'll think you're 1085 01:00:04.559 --> 01:00:07.079 his only customer when you choose Frank durand the real 1086 01:00:07.159 --> 01:00:10.159 estate Man dot com to list your home with Remax 1087 01:00:10.199 --> 01:00:20.440 Alliance three oh three nine two zero sixteen twenty two. Hi, 1088 01:00:20.519 --> 01:00:24.360 Tom Martino, you're a troubleshooter three O three seven one 1089 01:00:24.440 --> 01:00:26.639 three talk three oh three seven one three eight two 1090 01:00:26.639 --> 01:00:31.400 five five. So basically, UH, Deputy Chopper called that gun shop? 1091 01:00:32.159 --> 01:00:34.679 What was what did they answer as Chopper? This time 1092 01:00:35.519 --> 01:00:36.559 it was uh? 1093 01:00:37.320 --> 01:00:40.639 I It went to voicemail and he actually called me back. 1094 01:00:41.079 --> 01:00:42.519 Oh okay, and this is uh. 1095 01:00:42.960 --> 01:00:46.440 In April or Euriah paid twelve ninety four for a 1096 01:00:46.559 --> 01:00:49.119 gun and a background check when the gun arrived at 1097 01:00:49.119 --> 01:00:53.400 the store. Uh, he did not pass background check, which 1098 01:00:53.440 --> 01:00:57.400 is wise. The store did this properly. So then the 1099 01:00:57.440 --> 01:01:04.840 gun store was called Strategic Security Solutions, now Mountain States 1100 01:01:04.880 --> 01:01:09.880 Training Group. And basically they should keep the money for 1101 01:01:09.920 --> 01:01:14.760 the background check. But they have no right whatsoever to 1102 01:01:14.880 --> 01:01:17.199 keep the money for the gun, none whatsoever. 1103 01:01:17.440 --> 01:01:19.840 Zero. And you're right, you should start. 1104 01:01:19.599 --> 01:01:22.559 A small claim if he doesn't know it for you, 1105 01:01:23.119 --> 01:01:25.880 if he doesn't refund it. Chopper, did he say he 1106 01:01:25.880 --> 01:01:27.239 would talk to his customer. 1107 01:01:28.159 --> 01:01:30.719 He said he had talked to him this morning, and 1108 01:01:31.039 --> 01:01:36.639 he got upset that the gentleman called the show and 1109 01:01:37.039 --> 01:01:39.920 he wasn't satisfied that he had talked to him this morning. 1110 01:01:40.719 --> 01:01:42.559 He didn't say that he would talk to him again. 1111 01:01:43.400 --> 01:01:46.679 He was very upset that I was talking to him 1112 01:01:46.719 --> 01:01:49.599 about it, and there might be problems. 1113 01:01:50.519 --> 01:01:51.280 We're all we're doing. 1114 01:01:51.440 --> 01:01:55.519 All we're trying to do is help the customer and 1115 01:01:55.639 --> 01:01:58.320 get the information and get the full story. 1116 01:01:58.360 --> 01:02:00.920 That's why we called Mountain State Training Group. 1117 01:02:01.519 --> 01:02:07.199 But people, beware, if this guy can't refund twelve hundred bucks, 1118 01:02:07.320 --> 01:02:12.599 there's a problem. Okay, unless, as I said, he got 1119 01:02:12.599 --> 01:02:17.719 screwed in the crossfire here pun intended, meaning that maybe 1120 01:02:17.760 --> 01:02:19.880 that old shop was sold to the new shop. 1121 01:02:20.000 --> 01:02:21.199 Or was this the same guy? 1122 01:02:21.719 --> 01:02:24.599 You got to ask Rayah if this was the same 1123 01:02:24.719 --> 01:02:26.880 guy that he dealt with before. 1124 01:02:26.960 --> 01:02:27.920 What's that guy's name? 1125 01:02:27.960 --> 01:02:31.000 Because he can't just dissolve an LLC and form another 1126 01:02:31.039 --> 01:02:35.119 one or sell to himself just out of a debt. 1127 01:02:35.880 --> 01:02:39.039 But I would say that we got a problem. Where's 1128 01:02:39.119 --> 01:02:42.840 Mountain State's training group located? For God's sakes, I mean 1129 01:02:43.159 --> 01:02:46.320 for a company not to be able to refund one 1130 01:02:46.360 --> 01:02:47.440 thousand dollars. 1131 01:02:49.039 --> 01:02:52.679 Both of the companies are in the lower downtown Dever 1132 01:02:52.760 --> 01:02:55.679 along the railroad tracks, and the second one would be 1133 01:02:55.719 --> 01:03:00.159 by the old public service supply people around Third La. 1134 01:03:01.679 --> 01:03:02.960 And what's this guy's name? 1135 01:03:03.679 --> 01:03:07.480 His first name is Steve. I don't have the proper spilling. 1136 01:03:07.760 --> 01:03:09.679 I think of his last name, but. 1137 01:03:09.360 --> 01:03:10.559 But how's it pronounced? 1138 01:03:10.920 --> 01:03:13.639 Like ar guard? 1139 01:03:15.000 --> 01:03:22.039 Okay, well, Steve Aragaard or something. I hope you talk 1140 01:03:22.119 --> 01:03:25.960 to your customer or your potential customer. 1141 01:03:26.000 --> 01:03:27.199 He wasn't going to be a customer. 1142 01:03:28.480 --> 01:03:31.800 Mike's got a question on odometers for used cars. 1143 01:03:31.880 --> 01:03:33.159 Mike, go ahead, what's happening? 1144 01:03:34.159 --> 01:03:37.159 Yeah, Tom, I was shopping for used cars for my 1145 01:03:37.239 --> 01:03:40.440 daughter before she went off to college, and I noticed 1146 01:03:40.440 --> 01:03:43.800 something that I think is major fraud when it comes 1147 01:03:43.840 --> 01:03:48.599 to used cars, and it's perpetrated by huh car dealers 1148 01:03:48.719 --> 01:03:52.519 that take trade in and auctions that auction the cars off. 1149 01:03:53.079 --> 01:03:55.519 Tell me what's what's the fraud? What is it? 1150 01:03:56.800 --> 01:03:59.440 Well, cars at are an excellent condition but are high 1151 01:03:59.519 --> 01:04:03.519 miles and don't have a history of odometer reading. 1152 01:04:04.639 --> 01:04:05.400 What I'm what I. 1153 01:04:05.400 --> 01:04:07.360 Was seeing is like they seem to be. 1154 01:04:08.239 --> 01:04:11.199 Rolled back to like the last reading. Like I saw 1155 01:04:11.280 --> 01:04:15.599 cars that showed more use than sixty five thousand miles. 1156 01:04:16.360 --> 01:04:19.400 But when I was looking at carfax or been verified 1157 01:04:19.480 --> 01:04:22.920 for their their history, I was seeing like the last 1158 01:04:23.159 --> 01:04:27.679 inspection and the last odominant reading that was actually registered 1159 01:04:27.719 --> 01:04:29.360 with those domains. 1160 01:04:29.599 --> 01:04:30.519 Does that make sense? 1161 01:04:31.199 --> 01:04:35.320 So hold on, So you actually did a carfax and 1162 01:04:35.360 --> 01:04:39.000 the mileage on the car facts disagreed with the odometer. 1163 01:04:40.599 --> 01:04:42.840 No, what I'm saying is that there's not a lot 1164 01:04:42.840 --> 01:04:46.599 of history of odometer readings when they get serviced in 1165 01:04:46.679 --> 01:04:50.159 a dealership or like Greece, monkey will, We'll send you 1166 01:04:50.199 --> 01:04:52.639 a domeinter reading for every time you get a service 1167 01:04:52.679 --> 01:04:53.920 to certain places. 1168 01:04:54.199 --> 01:04:56.960 So what are you saying? I mean, who's perpetrating the fraud. 1169 01:04:57.039 --> 01:04:59.719 What are you saying, Like, are you saying that these 1170 01:04:59.800 --> 01:05:03.000 deal that get the car to sell, they checked to 1171 01:05:03.079 --> 01:05:07.000 see what the last odometer reading was and they kind 1172 01:05:07.079 --> 01:05:09.400 of just roll it back to near that. 1173 01:05:10.880 --> 01:05:13.159 What I'm saying is like, just let's just say AutoNation 1174 01:05:13.760 --> 01:05:16.639 takes in a high mileage, clean car, but they won't 1175 01:05:16.639 --> 01:05:19.239 put it on their on their lot because it's high mileage. 1176 01:05:19.639 --> 01:05:22.559 So but they don't they don't register the odometer with 1177 01:05:22.679 --> 01:05:25.280 let's just say carbacks before they. 1178 01:05:24.960 --> 01:05:26.000 Auction it off. 1179 01:05:26.360 --> 01:05:30.320 Okay, So now some person takes that trade and they 1180 01:05:30.440 --> 01:05:34.960 know because they did a search on Carfax, got it ontometer? 1181 01:05:35.119 --> 01:05:37.519 No, I get it. No, that's exactly what I was saying. 1182 01:05:37.559 --> 01:05:40.480 So you're saying they research it and they turn it 1183 01:05:40.519 --> 01:05:42.440 back to what they think they can get away with. 1184 01:05:43.320 --> 01:05:47.440 Yes, yes, hold on a second. That that that that's cool. 1185 01:05:47.880 --> 01:05:48.400 Just hold on. 1186 01:05:48.480 --> 01:05:51.559 I mean that that is a very astute observation. 1187 01:05:52.039 --> 01:05:53.039 Now I got to take a. 1188 01:05:52.920 --> 01:05:54.639 Couple of calls, but I would love to talk to 1189 01:05:54.639 --> 01:05:56.119 you about this, but I don't want to keep these 1190 01:05:56.159 --> 01:05:57.119 other people hanging either. 1191 01:05:57.159 --> 01:05:58.679 Hold on, we got more coming right up. 1192 01:06:03.840 --> 01:06:07.119 Go with a sure thing. Denver's Best Rufer Excel Roofing 1193 01:06:07.239 --> 01:06:09.880 dot com. You don't pay a cent until you're content. 1194 01:06:13.239 --> 01:06:16.440 Time for an insurance checkup free, no obligation. In comparison, 1195 01:06:16.559 --> 01:06:20.119 call Compass Insurance paying too much your coverage at dozens 1196 01:06:20.119 --> 01:06:22.840 of insurance companies find out now three O three seven 1197 01:06:22.960 --> 01:06:25.760 seven to one help. You'll think you're his only customer 1198 01:06:25.800 --> 01:06:28.079 when you choose Frank durand the real estate Man dot 1199 01:06:28.079 --> 01:06:31.400 com to list your home with Remax Alliance three oh 1200 01:06:31.440 --> 01:06:38.000 three nine two zero sixteen twenty two. 1201 01:06:40.199 --> 01:06:43.800 Hi Tom Martino here. I'm gonna go back to that 1202 01:06:43.880 --> 01:06:46.840 odometer thing later, but I want to talk to Paul. 1203 01:06:47.159 --> 01:06:49.480 He has an issue here. I want to sounds pretty serious. 1204 01:06:49.480 --> 01:06:58.400 Go ahead, Paul. What's happening? Wow, Paul, Paul? Is he 1205 01:06:58.559 --> 01:06:58.920 not there? 1206 01:06:59.039 --> 01:06:59.760 I'm here? 1207 01:07:00.079 --> 01:07:01.559 There you go, man, what's happening? 1208 01:07:03.039 --> 01:07:06.119 Well, we had some work done at our house and 1209 01:07:06.199 --> 01:07:08.800 I didn't agree with the bill, and I told the 1210 01:07:08.800 --> 01:07:11.280 man that and wanted to discuss it with him. 1211 01:07:11.719 --> 01:07:13.639 What kind of work? What kind of work? 1212 01:07:14.960 --> 01:07:18.679 We had a sewer back up into the basement. 1213 01:07:19.920 --> 01:07:22.199 And what kind of work was done? Was this the 1214 01:07:22.239 --> 01:07:24.599 plumbing part of it or was this the clean up 1215 01:07:24.679 --> 01:07:25.159 part of it? 1216 01:07:25.880 --> 01:07:27.599 This was the clean up part of it. 1217 01:07:27.559 --> 01:07:29.320 Oh, okay? Okay. 1218 01:07:30.480 --> 01:07:33.440 And you didn't ask ahead of time an approximate how 1219 01:07:33.519 --> 01:07:34.400 much or anything? 1220 01:07:35.519 --> 01:07:36.159 Yes, I did. 1221 01:07:37.599 --> 01:07:38.679 Okay, who'd you hire? 1222 01:07:40.199 --> 01:07:44.159 I I honestly don't want to say over the air? 1223 01:07:44.559 --> 01:07:44.880 Okay. 1224 01:07:45.119 --> 01:07:47.480 I'm afraid of this gentleman. He's the way he he's 1225 01:07:47.480 --> 01:07:48.320 gone crazy on me. 1226 01:07:48.440 --> 01:07:50.440 No, no, I don't want you to do anything weird. Okay. 1227 01:07:50.480 --> 01:07:54.039 So you hired a cleanup company and then and then, 1228 01:07:55.559 --> 01:07:57.519 but you never asked about price at all. 1229 01:07:58.840 --> 01:08:01.199 I did. And he told me that he'd been in 1230 01:08:01.239 --> 01:08:04.440 business for thirty years and this was approximately thirty five 1231 01:08:04.519 --> 01:08:07.920 hundred to four thousand dollars. I said, well, that seems 1232 01:08:07.960 --> 01:08:11.119 like a lot. On the other hand, I don't know 1233 01:08:11.159 --> 01:08:11.920 anything about it. 1234 01:08:12.599 --> 01:08:15.800 So I don't either. I don't either as far as 1235 01:08:15.880 --> 01:08:19.680 your particular job. But was that including any repairs or 1236 01:08:19.760 --> 01:08:20.359 just clean up? 1237 01:08:21.560 --> 01:08:22.159 Just clean up? 1238 01:08:23.079 --> 01:08:26.680 Okay? About four four grand for cleanup? Okay? So did 1239 01:08:26.720 --> 01:08:28.960 you know your insurance sometimes covers this? 1240 01:08:29.159 --> 01:08:29.359 Right? 1241 01:08:30.640 --> 01:08:31.039 I do? 1242 01:08:32.399 --> 01:08:33.399 And what happened? 1243 01:08:33.560 --> 01:08:36.159 And consulting, now, tell me what happened. I just wanted 1244 01:08:36.159 --> 01:08:38.800 to get those basics. So what happened? 1245 01:08:40.039 --> 01:08:44.079 He sent me a bill for thirteen eighty nine dollars dollars. 1246 01:08:44.359 --> 01:08:47.279 Oh my god, Oh my god, just wait wait agree 1247 01:08:47.359 --> 01:08:49.079 with this just for cleanup? 1248 01:08:50.159 --> 01:08:53.479 Yes, what cleanup? 1249 01:08:54.279 --> 01:08:54.520 I know? 1250 01:08:55.039 --> 01:08:57.119 Does he admit that he said it was going to 1251 01:08:57.119 --> 01:08:58.239 be around four grand? 1252 01:09:00.079 --> 01:09:01.600 He said that was his initial thought. 1253 01:09:02.239 --> 01:09:07.000 Okay, hold on, man, this is e dissit. What hole is? 1254 01:09:07.039 --> 01:09:12.199 Did you say thirteen or fourteen? Wow? I'll come back. 1255 01:09:12.239 --> 01:09:16.720 I think you said thirteen something? Yeah, thirteen wow. More 1256 01:09:16.760 --> 01:09:18.760 coming up on the Troubleshooter Show. We got a lot 1257 01:09:18.800 --> 01:09:20.079 of good stuff right after this. 1258 01:09:23.279 --> 01:09:26.560 Go with a sure thing Denver's Best roofer Excel Roofing 1259 01:09:26.680 --> 01:09:29.279 dot com. You don't pay a cent until you're content. 1260 01:09:32.680 --> 01:09:35.880 Time for an insurance checkup free, no obligation. In comparison, 1261 01:09:36.000 --> 01:09:39.560 call Compass Insurance paying too much your coverage at dozens 1262 01:09:39.560 --> 01:09:42.279 of insurance companies find out now three all three, seven 1263 01:09:42.399 --> 01:09:45.199 seven to one help. You'll think you're his only customer 1264 01:09:45.239 --> 01:09:47.520 when you choose Frank durand the real estate Man dot 1265 01:09:47.520 --> 01:09:50.840 com to list your home with Remax Alliance three oh 1266 01:09:50.880 --> 01:09:53.039 three nine two zero sixteen twenty two. 1267 01:09:58.399 --> 01:10:03.640 Rid bad news, need advice? Who you don't have? 1268 01:10:06.399 --> 01:10:09.199 Run as we can. 1269 01:10:09.640 --> 01:10:11.600 Shooter's gonna help come. 1270 01:10:13.119 --> 01:10:18.720 This is the Troubleshooter show No Tom Martino, Hi. 1271 01:10:18.720 --> 01:10:20.520 Tom Martino here, Welcome to the show. 1272 01:10:20.560 --> 01:10:23.159 Three oh three seven one three talk seven R two 1273 01:10:23.159 --> 01:10:27.399 five five to my left here, Yes, we're on a 1274 01:10:27.439 --> 01:10:31.439 watch shot. Its Brendan Killian from Denver Shades dot Co. 1275 01:10:31.720 --> 01:10:35.520 Which is made in the shade. Brendan, we have a 1276 01:10:35.600 --> 01:10:40.479 question here about the steps. How many trips they have 1277 01:10:40.520 --> 01:10:41.800 to make to the house. They want to know, can 1278 01:10:41.840 --> 01:10:43.920 you do anything virtually or is it all on a 1279 01:10:44.039 --> 01:10:45.520 visit for window coverings? 1280 01:10:45.960 --> 01:10:48.399 H two trips basic, that's it. Yeah. 1281 01:10:48.479 --> 01:10:50.439 One is for us to come out and we measure, 1282 01:10:50.520 --> 01:10:52.680 measure with a laser so everything's cut to with it. 1283 01:10:52.800 --> 01:10:54.439 And then you have a designer at the same time. 1284 01:10:54.560 --> 01:10:58.119 Yeah, it's the same person show you samples and you know, 1285 01:10:58.359 --> 01:11:01.359 colors and everything from every major company out there. 1286 01:11:01.640 --> 01:11:03.640 And if you decide to go, then it's three weeks 1287 01:11:03.640 --> 01:11:05.119 from there maybe yes, total. 1288 01:11:05.039 --> 01:11:07.920 Three weeks depending on the product and uh. And then 1289 01:11:08.199 --> 01:11:10.720 the last and then the second step is my installer 1290 01:11:10.800 --> 01:11:13.239 comes out, installs them and you don't pay the final 1291 01:11:13.279 --> 01:11:15.439 bill until you're all installed and happy in a reaw 1292 01:11:15.479 --> 01:11:15.680 and you. 1293 01:11:15.680 --> 01:11:18.239 Say there's a rush before the holidays, you'd rather get 1294 01:11:18.279 --> 01:11:19.000 it done sooner. 1295 01:11:19.119 --> 01:11:20.960 Yeah, And you're gonna are you gonna do a sale? 1296 01:11:21.319 --> 01:11:24.000 Yeah, we've got one going on right now, twenty five 1297 01:11:24.000 --> 01:11:29.560 percent off anything we vote you inside or even outdoor 1298 01:11:29.640 --> 01:11:31.680 roller shades and Aunings. 1299 01:11:31.319 --> 01:11:34.359 Denver Shades dot Co sevent to zero four five eight 1300 01:11:34.399 --> 01:11:36.199 six five six six. Now I want to continue with 1301 01:11:36.199 --> 01:11:40.399 Paul this. This is unbelievable to me, Brandon, what would 1302 01:11:40.439 --> 01:11:42.239 you do if that happen? I mean, God almighty. The 1303 01:11:42.279 --> 01:11:45.039 guy says approximately four grand, and he admits that. 1304 01:11:45.800 --> 01:11:48.600 Then he did the cleanup and it was thirteen thousand dollars. 1305 01:11:48.640 --> 01:11:51.000 So tell me what you did? Did you faint when 1306 01:11:51.039 --> 01:11:51.720 you got the bill? 1307 01:11:53.199 --> 01:11:57.319 I should him text saying we need to talk. This 1308 01:11:57.359 --> 01:12:03.239 can't be right. And he called back and said, you 1309 01:12:03.279 --> 01:12:05.800 don't know anything about my business. I know what I'm doing. 1310 01:12:06.199 --> 01:12:10.159 This is what it costs. And so I took his 1311 01:12:10.600 --> 01:12:14.920 bill down to the insurance company. 1312 01:12:15.039 --> 01:12:17.239 And told him to who's your carrier? 1313 01:12:17.359 --> 01:12:20.920 Please? The state farm? 1314 01:12:21.359 --> 01:12:24.000 Now what, let me just ask you? What's your deductible? 1315 01:12:25.520 --> 01:12:26.439 Twenty five hundred? 1316 01:12:27.039 --> 01:12:30.079 So what do you? And I mean this sincerely, what 1317 01:12:30.079 --> 01:12:30.640 do you care? 1318 01:12:30.680 --> 01:12:37.479 Then it's wrong, factually by a tremendous amount. There's work. 1319 01:12:37.640 --> 01:12:40.760 Wait a minute, so you believe you believe he's actually cheating, 1320 01:12:40.840 --> 01:12:44.159 Like he has stuff on there that's not factually. 1321 01:12:43.680 --> 01:12:46.680 Correct, absolutely like what. 1322 01:12:48.359 --> 01:12:48.680 Well? 1323 01:12:48.880 --> 01:12:53.680 Like he claimed to have removed patty, and there is none. 1324 01:12:53.760 --> 01:12:55.239 The carpet was glued down to the. 1325 01:12:55.359 --> 01:12:57.600 Certain Oh my god? What else? 1326 01:12:59.399 --> 01:13:01.880 There was a rug that was on a portion of it, 1327 01:13:02.359 --> 01:13:05.000 and he claimed that it was all the entire square 1328 01:13:05.000 --> 01:13:07.600 feet of it and he only cut out the part 1329 01:13:07.880 --> 01:13:11.000 that was damaged and the rest of it still exists. 1330 01:13:11.800 --> 01:13:12.279 What else? 1331 01:13:15.239 --> 01:13:18.520 He claims that he pulled out all of the glued 1332 01:13:18.600 --> 01:13:22.000 down carpeting and over two hundred and some feet of 1333 01:13:22.000 --> 01:13:23.000 it still exist. 1334 01:13:23.359 --> 01:13:30.399 What else? Let's see, what about drywall? What about drywall? 1335 01:13:30.960 --> 01:13:32.439 Did he say he cut out drywall? 1336 01:13:33.239 --> 01:13:37.680 No, no, nope, nope, this all just the floor. 1337 01:13:37.760 --> 01:13:38.720 What about blowers? 1338 01:13:40.279 --> 01:13:41.439 Yes there was blowers. 1339 01:13:42.000 --> 01:13:43.960 Did he exaggerate how many and how long? 1340 01:13:45.920 --> 01:13:48.800 It's all in there? But it's all all right? 1341 01:13:48.840 --> 01:13:51.119 So you told your insurance not to pay it? 1342 01:13:52.119 --> 01:13:52.560 I did? 1343 01:13:53.000 --> 01:13:54.880 What did they say? 1344 01:13:56.399 --> 01:13:58.439 I never was able to get a call back from 1345 01:13:58.479 --> 01:13:59.439 the adjuster and. 1346 01:14:00.119 --> 01:14:01.600 George, So did they not pay it? 1347 01:14:01.800 --> 01:14:05.000 Explain that situation? No, what they did was send me 1348 01:14:05.039 --> 01:14:07.880 a check for how much what they thought was. 1349 01:14:08.560 --> 01:14:10.479 What did they send it to you for how much? 1350 01:14:11.720 --> 01:14:12.439 Ten thousand? 1351 01:14:13.199 --> 01:14:16.119 Okay, so will he settle for that? 1352 01:14:17.720 --> 01:14:21.880 No he won't. He won't. 1353 01:14:22.560 --> 01:14:24.239 So they're actually paying it in full. 1354 01:14:26.399 --> 01:14:27.479 He wants the whole thing. 1355 01:14:27.720 --> 01:14:30.800 Well, they're paying it in full because there's your deductible. 1356 01:14:30.279 --> 01:14:30.640 On that. 1357 01:14:32.479 --> 01:14:37.239 There was other No, no, no, no, I'm not explaining 1358 01:14:37.279 --> 01:14:37.600 this right. 1359 01:14:38.840 --> 01:14:41.319 They sent you a check for ten grand. How much 1360 01:14:41.359 --> 01:14:42.159 is your deductible? 1361 01:14:43.319 --> 01:14:46.039 I also gave him a thousand dollars the day he started. 1362 01:14:46.640 --> 01:14:49.199 Okay, so how much is your deductible? 1363 01:14:51.720 --> 01:14:53.239 Well, at that point, I guess it would only be 1364 01:14:53.279 --> 01:14:54.000 fifteen hundred. 1365 01:14:55.000 --> 01:14:57.039 You have a twenty five hundred dollars deductible. 1366 01:14:57.399 --> 01:14:59.479 Math doesn't lie on thousand dollars. 1367 01:14:59.680 --> 01:15:01.119 I don't care how much you gave him. 1368 01:15:01.239 --> 01:15:04.479 You have a twenty five hundred dollars deductible plus ten grand. 1369 01:15:04.840 --> 01:15:11.199 They, in their minds are paying that bill in full. Okay, 1370 01:15:11.359 --> 01:15:12.199 that's all I'm saying. 1371 01:15:12.479 --> 01:15:15.359 Your insurance company is doing the right Your insurance company 1372 01:15:16.039 --> 01:15:19.239 is standing behind is doing the right thing. And you 1373 01:15:19.439 --> 01:15:21.560 just don't like the idea that this guy and I 1374 01:15:21.600 --> 01:15:25.239 don't either. So but but but they have paid everything 1375 01:15:25.279 --> 01:15:30.319 they're supposed to pay. I mean, actually more so technically, 1376 01:15:30.840 --> 01:15:33.399 how much do you feel he should be paid. I'm 1377 01:15:33.439 --> 01:15:35.640 just curious out of this, And will you send the 1378 01:15:35.680 --> 01:15:38.319 extra money back to your insurance company because you're supposed 1379 01:15:38.319 --> 01:15:39.760 to You don't get to keep. 1380 01:15:39.640 --> 01:15:40.159 It, you know that? 1381 01:15:40.279 --> 01:15:42.920 Right about that, I talked to him about that and 1382 01:15:42.960 --> 01:15:43.960 told him that I would do that. 1383 01:15:44.520 --> 01:15:47.119 Yeah, well, of course you have to. But this guy's thinking, 1384 01:15:47.159 --> 01:15:51.439 you want to keep the money. I know, see, because 1385 01:15:51.479 --> 01:15:55.079 most homeowners do that, Paul. Most homeowners do that they 1386 01:15:55.079 --> 01:15:57.720 get a check from their insurance company. I'm not talking 1387 01:15:57.760 --> 01:15:59.920 about you now, I'm talking about most people. 1388 01:16:00.199 --> 01:16:02.439 When they get a check from their insurance company. 1389 01:16:02.119 --> 01:16:05.039 They think, how can I screw this contractor and keep 1390 01:16:05.119 --> 01:16:07.039 some up more of that money for myself? 1391 01:16:08.880 --> 01:16:11.479 Okay. The reason I called them and told them that 1392 01:16:11.560 --> 01:16:14.359 it was wrong was because there's the I believe you 1393 01:16:14.640 --> 01:16:17.640 if you willfully no, it says right on there on 1394 01:16:17.840 --> 01:16:21.680 state farms, if you willfully submit a bill that you 1395 01:16:21.760 --> 01:16:24.159 know is fraudulent, you can be held liable. 1396 01:16:24.319 --> 01:16:25.319 No, And I believe you. 1397 01:16:25.560 --> 01:16:29.079 I believe that you are truly that you're not kind 1398 01:16:29.119 --> 01:16:29.920 of profit from this. 1399 01:16:30.159 --> 01:16:31.399 I believe you. 1400 01:16:32.199 --> 01:16:35.800 Okay, right, Well, anyway, they decided to file a lean 1401 01:16:36.279 --> 01:16:39.439 and said that if I don't figh up, they're going 1402 01:16:39.479 --> 01:16:41.680 to foreclothes on his house within four months. 1403 01:16:42.239 --> 01:16:46.119 Okay, and they're absolutely correct, they will have a right 1404 01:16:46.159 --> 01:16:46.560 to do that. 1405 01:16:49.239 --> 01:16:50.560 Okay, how do I answer that? 1406 01:16:51.199 --> 01:16:55.079 Okay, you get in real estate attorney and you dispute 1407 01:16:55.079 --> 01:16:56.960 it and you have to go to court. 1408 01:16:58.359 --> 01:17:00.760 Okay, that's fine. What about this small claims court? 1409 01:17:02.520 --> 01:17:04.840 You're not suing him, He's singas is. 1410 01:17:04.840 --> 01:17:07.479 Just in case of additional security to where you will 1411 01:17:07.560 --> 01:17:10.039 end up with a judgment on your credit and your credit. 1412 01:17:10.439 --> 01:17:13.560 Paul, listen, yeah, there is no small Is he taking 1413 01:17:13.600 --> 01:17:14.560 you to small claims? 1414 01:17:15.479 --> 01:17:20.880 Yes? Oh, additional seventy five hundred dollars additional? 1415 01:17:20.960 --> 01:17:21.760 So what does that mean? 1416 01:17:22.600 --> 01:17:26.920 Wait, on top of the thirteen, On top of the thirteen, 1417 01:17:27.039 --> 01:17:28.920 he wants seventy five hundred more. 1418 01:17:29.760 --> 01:17:35.119 That's correct? Why because he says that I'm I'm trying 1419 01:17:35.119 --> 01:17:38.399 to fraud him, and he wants to says here, small 1420 01:17:38.399 --> 01:17:41.920 claims case is just additional security to where you will 1421 01:17:42.000 --> 01:17:43.960 end up with the judgment on your credit and your 1422 01:17:43.960 --> 01:17:46.800 wife's credit. So now you understand that I'm not playing 1423 01:17:46.840 --> 01:17:49.800 yourself right to scheme? Okay, I know all you're trying 1424 01:17:49.840 --> 01:17:52.079 to do is commit fraud and steal money that belongs 1425 01:17:52.119 --> 01:17:54.880 to us and pay us less. What all we wanted 1426 01:17:54.880 --> 01:17:55.720 to do is get Paul. 1427 01:17:56.479 --> 01:18:01.279 Paul, I'm going to tell you something. He's probably thinking 1428 01:18:01.359 --> 01:18:05.399 that's what you're doing. And if he but if you 1429 01:18:05.560 --> 01:18:10.840 have factual information that he's wrong and that he did 1430 01:18:10.880 --> 01:18:14.159 not do what's on that invoice, are you willing to 1431 01:18:14.239 --> 01:18:15.680 pay him for what he did do? 1432 01:18:18.000 --> 01:18:19.279 Yes? 1433 01:18:19.560 --> 01:18:21.279 And what would that be? 1434 01:18:23.960 --> 01:18:25.640 I don't think it could be worth any more than 1435 01:18:25.680 --> 01:18:27.880 twice what he quoted eight thousand dollars. 1436 01:18:28.520 --> 01:18:29.800 But where are you coming up with that? 1437 01:18:31.920 --> 01:18:33.800 Because if twice what a man in business? 1438 01:18:33.800 --> 01:18:38.119 Okay, Paul, Paul, You're going to lose. Okay, I want 1439 01:18:38.119 --> 01:18:40.239 you to remember the day and the time I told 1440 01:18:40.239 --> 01:18:42.520 you this. You're going to lose, and it's going to 1441 01:18:42.520 --> 01:18:45.319 be devastating for you because you're going to have attorney's 1442 01:18:45.359 --> 01:18:47.640 fees and everything on top of it. I just want 1443 01:18:47.680 --> 01:18:51.640 to tell you I've been through this with homeowners before. Okay, 1444 01:18:51.640 --> 01:18:54.560 did you have a contract before he started work? 1445 01:19:00.039 --> 01:19:00.479 Sure? We did. 1446 01:19:01.319 --> 01:19:05.399 And does it say does it say four thousand dollars? No? 1447 01:19:06.199 --> 01:19:11.600 Okay, then you don't have a contract. Okay, Now, Paul, 1448 01:19:11.680 --> 01:19:14.159 please listen to me. You don't have to do what 1449 01:19:14.199 --> 01:19:17.079 I say, but if you don't, you will lose. You 1450 01:19:17.119 --> 01:19:24.920 will absolutely lose. In the absence of a contract, you 1451 01:19:24.960 --> 01:19:29.239 cannot hold him to a verbal estimate. Okay, you can't 1452 01:19:29.239 --> 01:19:32.199 hold him to it, heh What you can hold him 1453 01:19:32.199 --> 01:19:34.960 to is and. 1454 01:19:34.840 --> 01:19:37.399 He can't hold you to an arbitrary number. 1455 01:19:37.600 --> 01:19:41.760 Okay, So then what is the principle that a judge 1456 01:19:41.760 --> 01:19:43.880 would use. I'm not going to give you legal advice. 1457 01:19:43.920 --> 01:19:46.079 I'm just going to tell you from experience. What what 1458 01:19:46.079 --> 01:19:52.039 do you think the principle is. It's called quantum marrow. 1459 01:19:52.039 --> 01:20:00.000 It don't It's called quantum marrow. It it means, it means, 1460 01:20:00.000 --> 01:20:03.800 means a reasonable sum of money to be paid for 1461 01:20:03.920 --> 01:20:13.359 services rendered and value gotten. Okay, okay, now, so your 1462 01:20:13.479 --> 01:20:20.399 opinion will be will mean nothing, nothing, zero in that argument. 1463 01:20:21.319 --> 01:20:24.399 The only way you have a prayer of. 1464 01:20:24.359 --> 01:20:29.319 Winning is to be honest with an independent expert and 1465 01:20:29.439 --> 01:20:32.760 let them price it out, but not let them know. 1466 01:20:33.479 --> 01:20:37.159 Not let them know because they will have to testify. 1467 01:20:37.279 --> 01:20:40.960 And the first question the plaintiff will ask is did 1468 01:20:41.000 --> 01:20:43.479 he show you the contract? 1469 01:20:43.520 --> 01:20:45.239 Because you have to. 1470 01:20:45.279 --> 01:20:49.640 Let someone give you a blind estimate of value you received, 1471 01:20:52.840 --> 01:20:58.800 not his contract. And if you don't describe. You can 1472 01:20:58.880 --> 01:21:03.199 describe the con track, but no price is with it, okay. 1473 01:21:03.800 --> 01:21:04.720 And then you can. 1474 01:21:04.600 --> 01:21:09.279 Show where you think it differed. And then when you 1475 01:21:09.359 --> 01:21:14.359 get an expert for court, you may have a prayer 1476 01:21:14.359 --> 01:21:17.199 of winning. Because this guy's gonna come in now on 1477 01:21:17.279 --> 01:21:18.439 the small claims court. 1478 01:21:18.520 --> 01:21:19.319 That's punitive. 1479 01:21:19.640 --> 01:21:21.760 And you can tell the judge your honor, he's already 1480 01:21:21.800 --> 01:21:25.439 suing me in regular court. Okay, just you know, just 1481 01:21:26.119 --> 01:21:27.800 tell them. I mean, I don't even know how that 1482 01:21:27.840 --> 01:21:30.560 guy would get a judgment against you. He's already suing 1483 01:21:30.560 --> 01:21:34.680 you in regular court. That thing has no prayer of winning. 1484 01:21:35.560 --> 01:21:38.880 And usually there's arbitration before the small claim. But you 1485 01:21:39.159 --> 01:21:45.119 need to hire an expert and also hire an attorney 1486 01:21:45.279 --> 01:21:47.840 if he forecloses on your house, or. 1487 01:21:47.760 --> 01:21:53.920 You will lose and it will be devastating. I just 1488 01:21:53.960 --> 01:21:56.880 want you to know that I've had a woman. 1489 01:21:57.760 --> 01:22:01.319 I had a woman who was one one hundred percent 1490 01:22:01.479 --> 01:22:06.920 in the right and she lost her home because she 1491 01:22:07.199 --> 01:22:11.239 did not know how to argue the case. You need 1492 01:22:11.279 --> 01:22:14.760 an attorney and you need an expert. And just so 1493 01:22:14.840 --> 01:22:17.840 you know, this sucks, but it's gonna cost. 1494 01:22:17.560 --> 01:22:21.319 You at least five thousand dollars to fight it. Okay, 1495 01:22:21.840 --> 01:22:25.159 just so you know. Now, I know that you don't 1496 01:22:25.199 --> 01:22:26.079 want to hear this. 1497 01:22:26.439 --> 01:22:29.960 But the wisdom in this is to settle with this 1498 01:22:30.039 --> 01:22:34.159 guy if he will settle. But maybe he won't, and 1499 01:22:34.199 --> 01:22:36.960 then you have no choice to fight. 1500 01:22:37.159 --> 01:22:40.159 But so go ahead, let us know how it goes. 1501 01:22:40.560 --> 01:22:44.880 I would call Brad O'Brien O'Brien legal services to start. 1502 01:22:45.039 --> 01:22:48.279 That's where I would call. This is what he does, 1503 01:22:48.359 --> 01:22:50.720 real estate kind of law. He might refer you and 1504 01:22:50.760 --> 01:22:53.279 say you need construction. I don't know, but I think 1505 01:22:53.319 --> 01:22:55.600 you need to fight this or you're gonna lose your home. 1506 01:22:55.880 --> 01:23:00.560 Okay. Now the good news is he doesn't get to 1507 01:23:00.640 --> 01:23:01.279 keep your home. 1508 01:23:01.760 --> 01:23:04.640 He just gets to get paid plus his court costs 1509 01:23:04.640 --> 01:23:08.239 and attorney's fees. You get whatever is left over after 1510 01:23:08.319 --> 01:23:09.439 foreclosing on your home. 1511 01:23:09.800 --> 01:23:15.800 Okay. Any questions, Paul. 1512 01:23:16.560 --> 01:23:21.119 H Yes, is that mister O'Brien in Denver or is 1513 01:23:21.159 --> 01:23:22.039 he in another city? 1514 01:23:22.439 --> 01:23:25.079 He's in Denver, O'Brien, I'm gonna give you the number. 1515 01:23:25.680 --> 01:23:27.119 Here's the number seventies here. 1516 01:23:27.239 --> 01:23:31.119 Anybody, I'm where are you in a different town? 1517 01:23:31.520 --> 01:23:32.079 Where are you? 1518 01:23:33.119 --> 01:23:38.680 Well? Honestly, I think I'm in Collar to Springs. 1519 01:23:39.000 --> 01:23:39.359 Okay. 1520 01:23:39.439 --> 01:23:43.119 Well, Okay, we need to find some I don't know 1521 01:23:43.159 --> 01:23:49.399 anyone offhand down there, but please please get an attorney 1522 01:23:49.479 --> 01:23:53.560 familiar with real estate and leans and hire them and 1523 01:23:53.640 --> 01:23:57.279 tell them the situation. I know you disagree with what 1524 01:23:57.359 --> 01:24:00.279 he did, but it might be wisdom to try to 1525 01:24:00.319 --> 01:24:03.399 settle and that punitive thing with small claims court. 1526 01:24:03.439 --> 01:24:06.079 I don't don't. The guy sounds like a hothead. 1527 01:24:06.680 --> 01:24:09.760 Okay, so if you want us to call him, you know, 1528 01:24:09.800 --> 01:24:11.680 we'll see if he wants to settle. But it doesn't 1529 01:24:11.680 --> 01:24:13.880 sound like you want to. We have more coming up 1530 01:24:13.920 --> 01:24:21.279 on the Troubleshooter Show. Go with a sure Thing Denver's 1531 01:24:21.319 --> 01:24:24.239 Best Roofer Excel Roofing dot com. You don't pay a 1532 01:24:24.319 --> 01:24:30.800 cent until you're content. Time for an insurance check up free, 1533 01:24:30.880 --> 01:24:34.600 no obligation. In comparison, call Compass Insurance. Pay too much 1534 01:24:34.720 --> 01:24:37.680 your coverage at dozens of insurance companies find out now 1535 01:24:37.760 --> 01:24:40.039 three all three seven to seven to one help. You'll 1536 01:24:40.039 --> 01:24:42.800 think you're his only customer when you choose Frank durand 1537 01:24:42.800 --> 01:24:45.239 the real estate Man dot com to list your home 1538 01:24:45.479 --> 01:24:48.640 with Remax Alliance three all three nine two zero sixteen 1539 01:24:48.680 --> 01:25:01.520 twenty two. Hi Tom Martino, you're troubleshooter three O three 1540 01:25:01.880 --> 01:25:04.279 seven to one three talk three O three seven one 1541 01:25:04.399 --> 01:25:09.000 three eight two five five. Welcome to the show. Let's 1542 01:25:09.000 --> 01:25:10.319 go back to the phones. 1543 01:25:11.000 --> 01:25:12.960 That was bad news for that guy. 1544 01:25:13.079 --> 01:25:15.720 But listen, and I didn't forget about this used car thing, 1545 01:25:15.760 --> 01:25:17.800 I swear to God. In fact, I was thinking maybe 1546 01:25:17.800 --> 01:25:20.079 we bring Mike back on the car day. But hold on, Mike, 1547 01:25:20.119 --> 01:25:21.520 I want to try to get to you here, and 1548 01:25:21.520 --> 01:25:24.479 I'm going to take a couple other people here real quick. Here, 1549 01:25:24.560 --> 01:25:29.439 let's go to uh Darren, since we called him Darren, 1550 01:25:29.439 --> 01:25:30.840 Go ahead, What's what's your deal? 1551 01:25:30.920 --> 01:25:31.279 Darren? 1552 01:25:32.479 --> 01:25:34.960 Hi, tom My daughter was involved in a car accident 1553 01:25:35.000 --> 01:25:38.279 though two three months ago, and we've got the vehicle repaired. 1554 01:25:39.640 --> 01:25:42.640 We ran the repair through my uninsured motor vehicle because 1555 01:25:42.640 --> 01:25:45.039 I didn't have the other party's insurance at the time. 1556 01:25:45.600 --> 01:25:46.840 But I've a client. 1557 01:25:46.960 --> 01:25:48.000 Wait a minute, Wait a minute. 1558 01:25:48.039 --> 01:25:51.680 You ran the repair, so you had uninsured property damage. 1559 01:25:52.479 --> 01:25:55.720 Yes, good, And the other party actually has insurance, so 1560 01:25:55.840 --> 01:25:58.920 my insurance is gonna uh what do they call that? 1561 01:25:59.000 --> 01:26:01.800 Subergate and a suburbgate to. 1562 01:26:01.880 --> 01:26:05.840 The other company, other party who is at fault. I'm 1563 01:26:06.079 --> 01:26:09.880 filing a claim for diminished value on my deb Who 1564 01:26:09.880 --> 01:26:13.600 are you filing it against Peaking insurance, which is the 1565 01:26:13.640 --> 01:26:15.119 at fault party's insurance. 1566 01:26:15.439 --> 01:26:16.039 Okay, good? 1567 01:26:16.479 --> 01:26:20.880 Yeah, And I sent this to them and they are 1568 01:26:21.000 --> 01:26:26.960 responding stating that they cannot process the diminished value until 1569 01:26:26.960 --> 01:26:29.920 they have counted for all damage, just to all vehicles involved, 1570 01:26:30.199 --> 01:26:32.319 to make sure the property limits are not going to 1571 01:26:32.359 --> 01:26:32.920 be reached. 1572 01:26:33.399 --> 01:26:33.920 Yeah, thank you. 1573 01:26:34.000 --> 01:26:36.079 That they're telling me is if he's got fifty thousand 1574 01:26:36.119 --> 01:26:40.079 dollars worth of limit and it's sixty thousand dollars worth 1575 01:26:40.079 --> 01:26:42.439 of property damage, I'm out, Darren. 1576 01:26:42.840 --> 01:26:44.760 Here's what I want you to do. This is this 1577 01:26:44.840 --> 01:26:48.880 is really important. Okay, I want you to listen. This 1578 01:26:48.960 --> 01:26:52.920 is really important, and this is this is a thing 1579 01:26:53.000 --> 01:26:54.359 that John Fuller brings. 1580 01:26:54.199 --> 01:26:54.760 Up all the time. 1581 01:26:54.800 --> 01:26:58.079 In fact, can you see if John's available real quick here, 1582 01:26:58.920 --> 01:27:00.680 because I want to ask him what he does in 1583 01:27:00.720 --> 01:27:04.720 these cases for pain and suffering. Be happy it's not 1584 01:27:04.800 --> 01:27:08.079 pain and suffering. I'm going to tell you about property damage. 1585 01:27:08.199 --> 01:27:10.680 Then I'm going to ask Fuller about pain and suffering 1586 01:27:10.720 --> 01:27:13.640 for those who might run across this for pain and suffering. 1587 01:27:13.720 --> 01:27:16.439 So Kachino while i'm talking, if you can get Fuller on. 1588 01:27:16.720 --> 01:27:19.399 But Darren, here's what happens, and this is what sucks 1589 01:27:20.159 --> 01:27:23.840 with state minimums. Okay, if this guy has a state 1590 01:27:23.880 --> 01:27:27.439 minimum or any kind of coverage whatever he has, there's 1591 01:27:27.439 --> 01:27:30.039 a saying you ensure for what you're worth. And do 1592 01:27:30.079 --> 01:27:34.439 you know why they say that, Darren, Because go ahead. 1593 01:27:35.119 --> 01:27:38.079 If they're worth zero, they can ensurve for zero pretty. 1594 01:27:37.840 --> 01:27:38.680 Much we have. 1595 01:27:38.760 --> 01:27:38.960 Yeah. 1596 01:27:39.159 --> 01:27:41.800 So but if there worth ten million and they have 1597 01:27:41.880 --> 01:27:44.960 state minimum insurance, you're going to turn down the state 1598 01:27:45.039 --> 01:27:48.159 minimum insurance and you're going to go after them personally. 1599 01:27:48.359 --> 01:27:48.600 Right. 1600 01:27:49.079 --> 01:27:53.319 So that's why people who have more money must ensure 1601 01:27:53.439 --> 01:27:56.399 for more money, because you want to keep people from 1602 01:27:56.520 --> 01:27:59.199 coming after you. So it has to be a big 1603 01:27:59.279 --> 01:28:03.039 enough carrot on a stick where they won't come after you. 1604 01:28:03.920 --> 01:28:05.439 People do not understand that. 1605 01:28:05.800 --> 01:28:08.920 So now, when you have a low net worth person, okay, 1606 01:28:09.960 --> 01:28:12.760 and you so, if you have a low net worth 1607 01:28:12.840 --> 01:28:17.439 person who has state minimums, let's say his total what 1608 01:28:17.520 --> 01:28:19.239 is the total liability that they have. 1609 01:28:19.560 --> 01:28:20.479 Let's just talk real. 1610 01:28:21.479 --> 01:28:23.199 I don't know they have all right, let's say it. 1611 01:28:23.279 --> 01:28:28.560 Let's say it's fifty okay, And if this person caused 1612 01:28:28.760 --> 01:28:32.680 the damage to all of the cars and they're all 1613 01:28:32.720 --> 01:28:36.960 going to put in a claim, right, correct, They're going 1614 01:28:37.039 --> 01:28:46.960 to proportionately meet out the claims for property damage first. Okay, 1615 01:28:47.000 --> 01:28:51.199 then if there's money left over, then they'll take into 1616 01:28:51.239 --> 01:28:54.079 consideration your diminished value. 1617 01:28:55.079 --> 01:28:57.680 Okay, but I'm going to tell. 1618 01:28:57.520 --> 01:29:00.479 You hold on. You may not you may not even 1619 01:29:00.520 --> 01:29:01.760 get your property damage. 1620 01:29:01.800 --> 01:29:06.279 Let's say let's say the repairs on your car are 1621 01:29:06.359 --> 01:29:07.359 ten grand. 1622 01:29:08.960 --> 01:29:11.000 And the repairs on the other cars are ten. 1623 01:29:10.840 --> 01:29:18.039 Grand, and he has fifty thousand, Well I'm getting Let's 1624 01:29:18.039 --> 01:29:19.159 say he has twenty five. 1625 01:29:19.000 --> 01:29:20.199 Thousand or whatever it is. 1626 01:29:20.439 --> 01:29:23.159 What I'm saying is, let's say there's not enough to 1627 01:29:23.239 --> 01:29:28.159 pay for everyone's repairs. There are situations in this state, 1628 01:29:28.920 --> 01:29:32.920 or in many states, where you could technically be paid 1629 01:29:33.880 --> 01:29:38.039 three or four thousand on a ten thousand dollars property 1630 01:29:38.079 --> 01:29:44.119 damage claim, and you you would say, well, that's not fair. 1631 01:29:44.640 --> 01:29:48.720 How can I not be covered for the damage the 1632 01:29:48.920 --> 01:29:50.439 other party caused? 1633 01:29:50.840 --> 01:29:51.039 Right? 1634 01:29:52.319 --> 01:29:52.680 Correct? 1635 01:29:53.199 --> 01:29:58.000 Well, the answer is because they don't have enough insurance. So, 1636 01:29:58.159 --> 01:30:02.600 no matter how devastating your property damage, if the guy 1637 01:30:02.680 --> 01:30:05.960 doesn't have the coverage, you don't get paid, not from 1638 01:30:05.960 --> 01:30:07.439 the insurance company. 1639 01:30:07.079 --> 01:30:07.399 You don't. 1640 01:30:08.039 --> 01:30:10.600 So now you have the So now you have the 1641 01:30:10.640 --> 01:30:15.079 option of going after some deadbeat who makes twenty five 1642 01:30:15.159 --> 01:30:19.560 grand a year. All right, so you could you could 1643 01:30:19.640 --> 01:30:23.560 literally get a judgment for the rest of your damages. 1644 01:30:23.640 --> 01:30:25.800 Let's say you get a judgment for the full twenty 1645 01:30:25.840 --> 01:30:28.199 five thousand dollars in damages to your car. 1646 01:30:29.520 --> 01:30:30.720 How are you going to collect it? 1647 01:30:31.760 --> 01:30:33.560 Yeah, it's like trying to get blood from a tournament. 1648 01:30:33.800 --> 01:30:38.600 So therefore, you just spent five, six, seven, eight thousand 1649 01:30:38.680 --> 01:30:44.800 dollars to get a judgment that you'll never collect. So 1650 01:30:45.119 --> 01:30:50.039 now that's property damage. I want to ask John Fuller 1651 01:30:50.159 --> 01:30:54.640 Fuller Law, he does personal injury. John, in a multiple 1652 01:30:54.720 --> 01:31:01.079 car accident where one car is primarily at fault, whether 1653 01:31:01.239 --> 01:31:05.439 it's a traffic accident or a guy mulling in pedestrians, 1654 01:31:06.399 --> 01:31:13.840 When you have a guy that is underinsured totally, how 1655 01:31:13.880 --> 01:31:17.880 do they meet out the pain and suffering claims? 1656 01:31:18.399 --> 01:31:18.640 Yeah? 1657 01:31:18.800 --> 01:31:19.359 Good question. 1658 01:31:19.399 --> 01:31:20.760 How many vehicles were involved? 1659 01:31:21.800 --> 01:31:24.279 No, in this case, there was no personal injury, I 1660 01:31:24.319 --> 01:31:24.760 don't think. 1661 01:31:24.800 --> 01:31:28.119 But let what I said was, I will talk about 1662 01:31:28.720 --> 01:31:32.319 property damage, but when it comes to personal injury, it's. 1663 01:31:32.319 --> 01:31:35.079 Devastating for people. Explain how that can happen. 1664 01:31:35.920 --> 01:31:39.159 Okay, So in a hypothetical accident, let's say we have 1665 01:31:39.720 --> 01:31:42.159 you know, four or five or even more people injured. 1666 01:31:42.239 --> 01:31:45.720 So if you look at your insurance policy, our insurance 1667 01:31:45.720 --> 01:31:49.800 coverages are expressed normally with two numbers, So as an example, 1668 01:31:49.840 --> 01:31:52.640 on the lower end, it'll say twenty five slash fifty 1669 01:31:52.920 --> 01:31:55.479 And what that means is that no one person can 1670 01:31:55.520 --> 01:31:59.079 get more than twenty five thousand, and no one accident 1671 01:31:59.640 --> 01:32:02.720 can can you know, eat up more than fifty thousand 1672 01:32:02.720 --> 01:32:04.760 dollars in coverage. So as long as you only have 1673 01:32:04.920 --> 01:32:08.439 two people, you're fine. Each party could get up to 1674 01:32:08.520 --> 01:32:11.159 the maximum coverage of the twenty five thousand. But the 1675 01:32:11.199 --> 01:32:15.000 moment you have a third party that's injured, then all 1676 01:32:15.039 --> 01:32:17.560 of a sudden, your twenty five thousand and your fifty 1677 01:32:17.600 --> 01:32:20.119 thousand cap don't really do you a lot of good 1678 01:32:20.199 --> 01:32:23.600 because now we're looking at how to divide fifty thousand 1679 01:32:23.760 --> 01:32:27.279 into potentially three people. So let's say that that's you know, 1680 01:32:27.479 --> 01:32:30.640 eighteen thousand and a change to you know, to each 1681 01:32:30.720 --> 01:32:33.640 party or you know whatever, sixteen. 1682 01:32:34.000 --> 01:32:37.720 Sometimes it's even worse, John, Sometimes you could have somebody 1683 01:32:37.760 --> 01:32:40.640 with life stabilitating injuries and they get pennies. 1684 01:32:41.199 --> 01:32:42.119 Yeah, I'm going there. 1685 01:32:42.159 --> 01:32:45.000 So the next step is that we have to fall 1686 01:32:45.079 --> 01:32:49.720 back on our own uninsured motorist coverage that stacks literally 1687 01:32:49.800 --> 01:32:52.119 on top of what the other guy has. So even 1688 01:32:52.159 --> 01:32:56.359 if you split the other guy's coverage fifteen different ways, 1689 01:32:56.720 --> 01:33:00.000 the moment that you've exhausted that coverage, whether you've got 1690 01:33:00.159 --> 01:33:02.800 five dollars of it or the full fifty or twenty 1691 01:33:02.800 --> 01:33:05.800 five thousand of it, we then looked to your UM coverage. 1692 01:33:05.840 --> 01:33:07.840 And that's why I stress every time I'm on the 1693 01:33:07.920 --> 01:33:10.760 radio about the importance of M because it's the only 1694 01:33:10.800 --> 01:33:14.159 coverage that you can buy that is only going to 1695 01:33:14.239 --> 01:33:17.239 benefit you and your family. But your UM will never 1696 01:33:17.319 --> 01:33:20.199 cover that second car, or that third car, or that 1697 01:33:20.279 --> 01:33:20.840 fourth car. 1698 01:33:21.239 --> 01:33:25.279 Now, what about property damage, though? Can is that he 1699 01:33:25.399 --> 01:33:27.399 has uninsured property damage? 1700 01:33:27.439 --> 01:33:30.039 He said that that sacks right on top of the 1701 01:33:30.079 --> 01:33:34.079 fifteen thousand dollars state minimum that our legislature decided to 1702 01:33:34.119 --> 01:33:37.119 put into place, like twenty years ago, when you could 1703 01:33:37.119 --> 01:33:39.000 buy a car for fifteen or twenty thousand. 1704 01:33:39.039 --> 01:33:42.000 But I'm wondering, do you think he can get diminished 1705 01:33:42.119 --> 01:33:45.760 value as part of that underinsured property damage? 1706 01:33:45.880 --> 01:33:47.479 Of course you do. 1707 01:33:47.520 --> 01:33:52.479 You have comprehension as well, Yes, yeah, of course you can. 1708 01:33:53.560 --> 01:33:55.119 You're just going to have to make a claim for 1709 01:33:55.239 --> 01:33:57.880 the for the diminished value you're going to make a 1710 01:33:57.880 --> 01:34:00.479 claim for the property damage itself, and then you're kind 1711 01:34:00.520 --> 01:34:03.479 of going to make a second claim for the diminished value, 1712 01:34:03.520 --> 01:34:05.520 and you could do that against your insurance company. 1713 01:34:06.199 --> 01:34:07.319 More than likely. 1714 01:34:07.079 --> 01:34:09.880 The diminished value portion would go onto the comprehensive portion 1715 01:34:10.000 --> 01:34:12.960 and the rest of it would go under the uninsured mode. 1716 01:34:13.039 --> 01:34:16.199 And that's Darren if he doesn't have enough insurance to cover. 1717 01:34:16.000 --> 01:34:16.880 You, right. 1718 01:34:17.039 --> 01:34:19.760 Only if they come back and say they don't have enough, right. 1719 01:34:19.680 --> 01:34:22.399 You got to do it out of lock, right then 1720 01:34:22.439 --> 01:34:24.239 you got to go with your own That's why you 1721 01:34:24.279 --> 01:34:24.520 have that. 1722 01:34:24.760 --> 01:34:28.239 My main question was is so it sounds like all 1723 01:34:28.239 --> 01:34:31.880 the property damage has to be paid before they'll even 1724 01:34:31.920 --> 01:34:34.600 look at the diminished value. It just doesn't go in 1725 01:34:34.640 --> 01:34:37.319 as claim one, claim two, my diminished value Claim three, 1726 01:34:37.640 --> 01:34:39.960 Claim four, Claim five, and they pay him plaim one two, three, 1727 01:34:39.960 --> 01:34:40.399 four five. 1728 01:34:40.680 --> 01:34:44.039 It looks like they are trying to divide up for 1729 01:34:44.119 --> 01:34:47.840 the actual property damage first before they dole out any 1730 01:34:48.079 --> 01:34:48.960 diminished value. 1731 01:34:49.000 --> 01:34:50.199 That's the party at fault. 1732 01:34:51.159 --> 01:34:54.479 Yeah, and I'm sure that they do. But the reality is, 1733 01:34:54.720 --> 01:34:57.159 you know, once they've exhausted that coverage, you know, you 1734 01:34:57.239 --> 01:34:59.800 got to think about it. Diminished value only comes into play. 1735 01:34:59.840 --> 01:35:02.880 On vehicle that's been repaired. So if the car happened 1736 01:35:02.920 --> 01:35:05.159 to be a total loss, we don't get to deal 1737 01:35:05.199 --> 01:35:09.159 with diminished value. It's just a you know, the value 1738 01:35:09.199 --> 01:35:12.560 is so tuned into the total loss. So we're just 1739 01:35:12.640 --> 01:35:16.000 dealing with you know, we're the vehicles that have been repired, 1740 01:35:16.039 --> 01:35:18.840 and once they've been repaired, then we can assess or 1741 01:35:18.960 --> 01:35:20.640 assess what the diminished valran. 1742 01:35:21.079 --> 01:35:24.000 Thank you, John John Fuller. If you need information like this, 1743 01:35:24.119 --> 01:35:25.920 that's what he's there for. Plus he can help you 1744 01:35:26.000 --> 01:35:29.279 with any personal injury claim. He consults you free of charge, 1745 01:35:29.279 --> 01:35:31.399 and he works on a percentage fee basis three oh three, 1746 01:35:31.520 --> 01:35:39.279 five nine seven forty five hundred. Go with a sure 1747 01:35:39.399 --> 01:35:42.840 thing Denver's Best Roofer Excel Roofing dot com. You don't 1748 01:35:42.840 --> 01:35:48.880 pay a cent until you're content. Time for an insurance 1749 01:35:48.960 --> 01:35:53.079 checkup free, no obligation. In comparison, call Compass Insurance paying 1750 01:35:53.119 --> 01:35:56.159 too much your coverage at dozens of insurance companies find 1751 01:35:56.159 --> 01:35:58.520 out now three oh three, seven to seven to one help. 1752 01:35:58.680 --> 01:36:01.319 You'll think you're his only customer when you choose Frank 1753 01:36:01.399 --> 01:36:03.840 Durand the real estate Man dot com to list your 1754 01:36:03.880 --> 01:36:07.000 home with Remax Alliance three oh three nine two zero 1755 01:36:07.159 --> 01:36:08.239 sixteen twenty. 1756 01:36:07.920 --> 01:36:11.560 Two, Tom Martino, you're a troubleshooter. 1757 01:36:11.640 --> 01:36:13.760 Three oh three seven one three talk seven one three 1758 01:36:13.800 --> 01:36:16.079 eight two five five Lisa, Sorry you had to wait. 1759 01:36:16.159 --> 01:36:18.000 You have an issue with a mortgage company, and I'm 1760 01:36:18.039 --> 01:36:20.000 so hoping we can help you. 1761 01:36:20.039 --> 01:36:25.359 What's going on me too? Okay, my daughter bought a 1762 01:36:25.399 --> 01:36:29.359 condo in twenty February twenty twenty one. I'm the co signer, 1763 01:36:29.399 --> 01:36:30.520 which is why I'm calling. 1764 01:36:31.119 --> 01:36:31.640 Okay. 1765 01:36:31.720 --> 01:36:35.279 So, by the way, being a co signer is basically, 1766 01:36:36.239 --> 01:36:38.520 you know, it's it's a it's a mild term. 1767 01:36:38.600 --> 01:36:42.520 You're you are actually on the loan with her, Okay, right. 1768 01:36:42.439 --> 01:36:45.520 Exactly exactly, And she's a teacher, so she can't call her. 1769 01:36:45.439 --> 01:36:46.319 In the day. 1770 01:36:46.359 --> 01:36:46.680 Okay. 1771 01:36:47.079 --> 01:36:50.199 So that was February twenty one. In May of twenty two, 1772 01:36:50.880 --> 01:36:55.560 and that's this year, right, No, So well, in February 1773 01:36:55.600 --> 01:36:56.680 twenty one, she bought the. 1774 01:36:56.680 --> 01:37:00.680 Condo February of twenty twenty one, got it. 1775 01:37:00.880 --> 01:37:01.600 Right, twenty one. 1776 01:37:02.399 --> 01:37:08.319 The lender was United Wholesale. So over a year later, 1777 01:37:08.439 --> 01:37:12.319 May of twenty two, United Wholesale sold the loan to 1778 01:37:12.399 --> 01:37:19.640 Flagstar Bank. Okay, so my daughter starts paying Flagstar Bank, 1779 01:37:19.800 --> 01:37:24.399 same amount the taxes and insurance continued to be pulled 1780 01:37:24.479 --> 01:37:28.239 out of her payment and were sent to the insurance company. 1781 01:37:28.399 --> 01:37:31.000 Safeco Insurance got it. 1782 01:37:32.199 --> 01:37:36.399 Several months went by. Everything's fine, no notices, no change upper, 1783 01:37:36.560 --> 01:37:42.159 higher or lower of payment whatever. In April of twenty three, 1784 01:37:44.439 --> 01:37:51.720 a Safec sends a notice to the original mortgage company, 1785 01:37:52.279 --> 01:37:59.159 Wholesale Mortgage or United Wholesale that they haven't received a payment. 1786 01:38:00.279 --> 01:38:02.199 Then how long and how long? 1787 01:38:03.479 --> 01:38:03.800 Well? 1788 01:38:04.760 --> 01:38:07.720 I think what happened was the insurance came up for 1789 01:38:07.840 --> 01:38:13.439 renewal and instead of safe Co recognizing that they've been 1790 01:38:13.479 --> 01:38:19.680 getting payments from Flagstar, which they have for like nine months, 1791 01:38:20.000 --> 01:38:23.760 I get it, they went back to the original mortgage company, who, 1792 01:38:23.800 --> 01:38:26.359 of course did nothing about it, right right. 1793 01:38:26.479 --> 01:38:28.399 Yeah, so did the insurance lapse. 1794 01:38:30.119 --> 01:38:36.680 The insurance lapsed, and the new mortgage company, Flagstar, reached 1795 01:38:36.760 --> 01:38:41.039 out to safe Co Insurance, and we have some cryptic 1796 01:38:41.119 --> 01:38:45.319 documentation that that happened, but there was no follow up 1797 01:38:45.600 --> 01:38:48.760 on the part of either Safeco or flag Stars. So 1798 01:38:48.800 --> 01:38:54.880 basically left my daughter and myself without homeowners insurance for oh. 1799 01:38:54.720 --> 01:38:55.439 I'd say about you. 1800 01:38:56.680 --> 01:39:01.239 And then in August of twenty three, there's a hailstorm 1801 01:39:02.239 --> 01:39:08.239 and there's damage to the condo. So, oh my god, 1802 01:39:09.119 --> 01:39:11.039 in April of April of twenty four. 1803 01:39:11.479 --> 01:39:14.199 Wait wait, wait, what kind of damage though in a condo? 1804 01:39:14.319 --> 01:39:16.399 What kind of damage does hail cause. 1805 01:39:16.279 --> 01:39:18.439 To a conail damage roof the roof? 1806 01:39:18.560 --> 01:39:20.960 Yeah, but but hold on, hold on, but you have 1807 01:39:21.760 --> 01:39:26.239 eight that's paid through the condo HOA. Usually, usually your 1808 01:39:26.279 --> 01:39:28.279 individual insurance doesn't cover that. 1809 01:39:28.720 --> 01:39:30.840 Is this a town home or a condo? 1810 01:39:32.479 --> 01:39:36.159 It's a condo, but they don't know. 1811 01:39:36.800 --> 01:39:39.319 I'm just telling you roof doesn't work. Here's how roof 1812 01:39:39.359 --> 01:39:43.279 works in a condo. You guys pay HOA fees, which 1813 01:39:43.319 --> 01:39:45.800 goes towards your condo. The only thing you have to 1814 01:39:45.880 --> 01:39:50.039 kick in is if there's not enough coverage from the condo. 1815 01:39:50.399 --> 01:39:54.680 From the HOA, each unit is assessed their portion. 1816 01:39:56.159 --> 01:39:57.439 I think that's what they're saying. 1817 01:39:58.039 --> 01:39:59.680 Okay, but here's what I'm telling you. 1818 01:39:59.800 --> 01:40:05.319 If if you were assessed a portion, your insurance would 1819 01:40:05.359 --> 01:40:12.159 not have covered that anyway, unless you had assessment coverage, 1820 01:40:13.159 --> 01:40:16.640 because you don't carry roof coverage as a condo. 1821 01:40:18.079 --> 01:40:19.920 She had assessment coverage. 1822 01:40:19.560 --> 01:40:22.039 Okay, got it? And how much was the assessment? 1823 01:40:23.399 --> 01:40:27.760 The assessment was ninety five hundred minus. She had one 1824 01:40:27.800 --> 01:40:29.159 thousand dollars deductible. 1825 01:40:29.760 --> 01:40:38.800 Now did anyone step forward to pay the eighty five hundred. 1826 01:40:35.680 --> 01:40:38.199 They're allowing her to make monthly payments? 1827 01:40:38.720 --> 01:40:42.840 Okay, so hold on, So this insurance lapsed. Was she 1828 01:40:43.119 --> 01:40:45.840 ever notified by mail her? 1829 01:40:46.279 --> 01:40:52.720 Not anyone else? Was she ever notified? No, this is 1830 01:40:52.760 --> 01:40:58.439 a weird situation here, Lisa, is because you guys were 1831 01:40:58.600 --> 01:40:59.520 never notified. 1832 01:41:00.279 --> 01:41:05.640 Safe Co Insurance reached out to Flag to the original 1833 01:41:05.760 --> 01:41:09.920 lender and the original lender, and you never said who 1834 01:41:09.920 --> 01:41:11.119 the original lender. 1835 01:41:11.079 --> 01:41:14.840 Was was United Wholesale. 1836 01:41:15.840 --> 01:41:16.920 Oh wait, you're right. 1837 01:41:18.199 --> 01:41:22.119 Okay, Now here's here's what I want to know. And 1838 01:41:22.199 --> 01:41:23.319 I never heard of unitedho. 1839 01:41:23.600 --> 01:41:29.000 But that original, that original, that original. 1840 01:41:28.560 --> 01:41:34.760 Lender, United Wholesale had no responsibility to do anything. So 1841 01:41:34.960 --> 01:41:38.760 they're out of it. But here's what I don't understand. 1842 01:41:39.920 --> 01:41:43.560 If you were making monthly payments out of escrow anyway, 1843 01:41:44.720 --> 01:41:46.640 why did the insurance laps? 1844 01:41:48.800 --> 01:41:55.000 Because Flagstar was saying said that they didn't know who 1845 01:41:55.039 --> 01:41:55.920 to send the money to. 1846 01:41:56.760 --> 01:41:57.920 What do you mean you mean? 1847 01:41:57.960 --> 01:42:02.319 So Flagstar never paid ever since May of twenty twenty two, 1848 01:42:02.439 --> 01:42:04.199 they never paid that insurance. 1849 01:42:05.279 --> 01:42:10.960 No, since they paid it until they paid it when 1850 01:42:10.960 --> 01:42:16.159 the mortgage was originally sold, and then when Safe Co 1851 01:42:17.760 --> 01:42:23.800 when her annual homeowners insurance whatever came do they canceled 1852 01:42:23.800 --> 01:42:26.680 her policy. So at that point flagstart. 1853 01:42:26.880 --> 01:42:29.720 But why did they cancel her policy if she was 1854 01:42:29.800 --> 01:42:36.159 making payments? Hold on a second, hold on this, Lisa, 1855 01:42:36.319 --> 01:42:37.880 You guys have a serious problem. 1856 01:42:38.119 --> 01:42:40.520 We may have to call you back after. 1857 01:42:40.319 --> 01:42:43.960 We get Compass on after the after one o'clock. I 1858 01:42:43.960 --> 01:42:45.960 don't want you to hold for ten to fifteen minutes. 1859 01:42:46.359 --> 01:42:48.880 We need to get Compass Insurance on to talk about this. 1860 01:42:48.960 --> 01:42:51.960 Compass is not involved, but they are. 1861 01:42:52.119 --> 01:42:53.279 My insurance experts. 1862 01:42:53.319 --> 01:42:56.439 Hold on three oh three seven one three talks seven 1863 01:42:56.479 --> 01:43:04.760 one three A two five five. Go with a sure 1864 01:43:04.880 --> 01:43:08.279 thing Denver's best roofer Excel Roofing dot com. You don't 1865 01:43:08.319 --> 01:43:14.359 pay a cent until you're content. Time for an insurance 1866 01:43:14.439 --> 01:43:18.560 checkup free, no obligation. In comparison, call Compass Insurance paying 1867 01:43:18.560 --> 01:43:21.640 too much your coverage at dozens of insurance companies find 1868 01:43:21.640 --> 01:43:24.000 out now three oh three seven seven to one help. 1869 01:43:24.159 --> 01:43:26.800 You'll think you're his only customer when you choose Frank 1870 01:43:26.840 --> 01:43:29.319 durand the real estate Man dot com to list your 1871 01:43:29.319 --> 01:43:32.479 home with Remax Alliance three oh three nine two zero 1872 01:43:32.600 --> 01:43:35.760 sixteen twenty two. 1873 01:43:36.840 --> 01:43:38.640 Hi, Tom Marks, you know you're a troubleshooter. 1874 01:43:39.119 --> 01:43:41.399 Brian Burns really quickly, I want to ask you somewhere, 1875 01:43:41.479 --> 01:43:42.760 running out of time, but I want to bring you 1876 01:43:42.800 --> 01:43:46.960 back after the break. Okay, if you have an insurance 1877 01:43:47.039 --> 01:43:51.720 policy and you're paying on it through your escrow, and 1878 01:43:51.760 --> 01:43:57.920 the insurance company contacts your original lender, not the current 1879 01:43:58.000 --> 01:44:00.680 servicing company but the a Nope, part of your own, 1880 01:44:00.720 --> 01:44:05.600 they just they instead of contacting the current lender, they 1881 01:44:05.640 --> 01:44:08.439 went to the previous lender who had sold the loan 1882 01:44:09.079 --> 01:44:12.920 and said the policy is coming up for renewal. That 1883 01:44:13.800 --> 01:44:17.840 original lender ignored it since they no longer had that loan, 1884 01:44:19.000 --> 01:44:24.520 so the insurance lapsed. The current lender had no idea, 1885 01:44:25.479 --> 01:44:30.079 She had no idea, she was never notified by safe 1886 01:44:30.079 --> 01:44:31.000 Code directly. 1887 01:44:32.680 --> 01:44:34.840 Do you and then they had a loss? 1888 01:44:35.199 --> 01:44:38.399 Do you think there's some rejo just quick answer, a 1889 01:44:38.560 --> 01:44:41.199 responsibility somewhere other than the consumer. 1890 01:44:42.720 --> 01:44:46.319 Doubtful And I can explain, Oh doubtful. 1891 01:44:46.560 --> 01:44:49.359 Okay, we need to talk about that coming up. I'm 1892 01:44:49.399 --> 01:44:53.119 Tom Martino. Stay tuned, Lisa plus Bill has a question. 1893 01:44:53.199 --> 01:44:54.960 On appleside er vinegar. 1894 01:44:55.960 --> 01:45:01.840 What go with a sure thing? Best roofer excel roofing 1895 01:45:01.920 --> 01:45:04.560 dot com. You don't pay a cent until you're content. 1896 01:45:05.479 --> 01:45:10.399 Three time for an insurance check up free, no obligation. 1897 01:45:10.520 --> 01:45:14.399 Comparison call Compass Insurance. Pay too much your coverage at 1898 01:45:14.439 --> 01:45:17.199 dozens of insurance companies find out now three oh three 1899 01:45:17.319 --> 01:45:19.920 seven seven to one help. You'll think you're his only 1900 01:45:20.000 --> 01:45:22.479 customer when you choose Frank durand the Real estate Man 1901 01:45:22.520 --> 01:45:26.000 dot com to list your home with Remax Alliance three 1902 01:45:26.000 --> 01:45:28.079 all three nine two zero sixteen twenty two. 1903 01:45:28.920 --> 01:45:38.079 Yeah, RIPPD News. 1904 01:45:38.359 --> 01:45:38.920 You don't have. 1905 01:45:41.600 --> 01:45:46.159 Run anxious asta as you can. Shooter's gonna help. 1906 01:45:46.439 --> 01:45:51.079 Come man, this is the Troubleshooter Show. 1907 01:45:51.119 --> 01:45:56.600 Now, Tom Martino, Okay, Tom Martino here, Welcome to the show. 1908 01:45:57.239 --> 01:45:59.600 THREEO three seven one three talk seven one three eight 1909 01:45:59.640 --> 01:46:03.479 two five five. Denver Regen dot com stem cell therapy 1910 01:46:04.880 --> 01:46:08.079 and also hair regeneration through stem cell. 1911 01:46:08.399 --> 01:46:11.039 I'm having it done. There are actual results. 1912 01:46:11.079 --> 01:46:13.359 I'm telling you it's cool and I've only had two 1913 01:46:13.439 --> 01:46:18.319 treatments two A four and you'll love this Denverregen dot Com. 1914 01:46:18.319 --> 01:46:19.520 They're especially great for. 1915 01:46:19.479 --> 01:46:24.720 Pain relief knees, elbows, joints and stem cell therapy. People 1916 01:46:24.720 --> 01:46:27.399 I've been with for a while now Denverregen dot com. 1917 01:46:28.119 --> 01:46:29.520 So let's talk. 1918 01:46:31.079 --> 01:46:34.640 I have Brian burns On. He's with the Compass Insurance Group. 1919 01:46:35.119 --> 01:46:39.680 They do free insurance checkups to make sure you're not overinsured, underinsured, 1920 01:46:40.079 --> 01:46:41.079 to make sure you're not. 1921 01:46:42.000 --> 01:46:45.479 Paying too much. Now they tell you if you have 1922 01:46:45.520 --> 01:46:47.199 a great deal too, they don't try to change you. 1923 01:46:47.279 --> 01:46:49.319 That's three of three nine ninety six nine. 1924 01:46:49.880 --> 01:46:53.640 Now Brian's not involved in this particular case. But Lisa 1925 01:46:54.720 --> 01:47:02.439 has a condo insured through Safeco and what happened was 1926 01:47:04.399 --> 01:47:12.039 the loan was sold from lender one to lender two 1927 01:47:12.520 --> 01:47:17.880 when safe Co insurance and they were faithfully paying through Escro. 1928 01:47:18.439 --> 01:47:22.640 When Safego insurance came up for renewal, they sent a 1929 01:47:22.760 --> 01:47:28.760 notice to lender one neglected to send a notice to 1930 01:47:28.840 --> 01:47:35.680 lender two, so lender one did nothing, did not notify. 1931 01:47:35.760 --> 01:47:37.359 Lender two did nothing. 1932 01:47:38.319 --> 01:47:43.239 Lender two did not renew because they didn't renew and 1933 01:47:43.640 --> 01:47:48.039 the consumer didn't know it was up, so the consumer 1934 01:47:48.119 --> 01:47:48.720 did nothing. 1935 01:47:49.439 --> 01:47:54.880 The condo owner. So now you have a situation. 1936 01:47:54.560 --> 01:48:01.520 Where safe Co lapsed or canceled or terminated the insurance. 1937 01:48:02.840 --> 01:48:08.279 But really what's weird is no one got notice of it. 1938 01:48:08.399 --> 01:48:14.039 According to everyone involved, the first lender got noticed, the 1939 01:48:14.119 --> 01:48:18.199 second lender did not, and Lisa says she never got 1940 01:48:18.239 --> 01:48:22.279 notified the insurance was lapsed. So they sat there without 1941 01:48:22.359 --> 01:48:32.439 insurance from August or no, no, not from August, from April, 1942 01:48:32.640 --> 01:48:34.159 and then in. 1943 01:48:34.279 --> 01:48:36.199 August there was a hailstorm. 1944 01:48:36.920 --> 01:48:41.439 And now she's facing an assessment that no one will 1945 01:48:41.479 --> 01:48:45.439 pay for. And she did have assessment coverage before. 1946 01:48:46.319 --> 01:48:49.399 What do you do with that? Brian? But first of all, Lisa, 1947 01:48:49.600 --> 01:48:50.720 is all of that correct? 1948 01:48:52.600 --> 01:48:56.760 It is correct. I will add though, that mortgage lender 1949 01:48:56.880 --> 01:49:02.319 number two, Flagstar, did reach out to Safeco. We have 1950 01:49:02.479 --> 01:49:09.520 documentations shown when called them, let's see in February. 1951 01:49:09.520 --> 01:49:11.600 No, you know that'd mean nothing to us. Here's what 1952 01:49:11.640 --> 01:49:14.000 I need to know. Did they reach out to Safeco 1953 01:49:14.760 --> 01:49:17.359 before it was expired and lapsed? 1954 01:49:17.680 --> 01:49:18.840 Yes? 1955 01:49:18.840 --> 01:49:20.479 Why they knew what was coming up? 1956 01:49:23.399 --> 01:49:26.159 Well, I don't know do mortgage companies, you know, don't 1957 01:49:26.199 --> 01:49:27.840 they need like an. 1958 01:49:27.640 --> 01:49:31.199 Annual you know what? So when they notified? 1959 01:49:31.199 --> 01:49:34.520 Okay, so when they reached out to Safeco, what happened. 1960 01:49:35.920 --> 01:49:36.279 Nothing. 1961 01:49:36.800 --> 01:49:38.920 They have a record of reaching out to Safeco. 1962 01:49:39.560 --> 01:49:42.960 They have a record of calling Safeco or they have 1963 01:49:43.000 --> 01:49:45.880 a name, they have a record of faxing something to 1964 01:49:45.960 --> 01:49:46.279 safe co. 1965 01:49:46.439 --> 01:49:47.560 I don't know what that was. 1966 01:49:48.279 --> 01:49:51.479 Apparently nothing became of that, and there was no follow 1967 01:49:51.640 --> 01:49:57.319 up on the part of Flagstar. So Safeco stopped getting 1968 01:49:57.319 --> 01:50:02.520 payments and then that's when they terminated the insurance. 1969 01:50:03.039 --> 01:50:05.399 Why. I don't understand this though. 1970 01:50:05.680 --> 01:50:09.079 Why did the lenders stop making payments if you and 1971 01:50:09.119 --> 01:50:11.039 your daughter were still making the payments? 1972 01:50:12.319 --> 01:50:13.159 We don't know. 1973 01:50:13.680 --> 01:50:16.399 Okay, Brian, what do you make of all of Yes, Okay, 1974 01:50:16.880 --> 01:50:18.159 let Brian interpret this. 1975 01:50:18.960 --> 01:50:24.039 Okay, this is not that abnormal an event. What happens 1976 01:50:24.119 --> 01:50:26.680 is the mortgage company and this is one of the 1977 01:50:26.720 --> 01:50:28.399 problems of ASCRO And I know it's kind of a 1978 01:50:28.479 --> 01:50:31.239 necessary evil for a lot of us that you know, 1979 01:50:31.279 --> 01:50:33.600 you're required by the loan company a lot of times 1980 01:50:33.640 --> 01:50:37.600 to have it the insurance tess road. But to Lisa's point, 1981 01:50:37.680 --> 01:50:39.520 she's still making the payments because it's part of her 1982 01:50:39.520 --> 01:50:43.079 monthly payment, but she has to rely on her mortgage 1983 01:50:43.079 --> 01:50:45.119 company to pay her insurance and for the insurance and 1984 01:50:45.159 --> 01:50:48.319 the mortgage company to communicate. So I do understand the 1985 01:50:48.319 --> 01:50:52.960 problem there. But whenever a mortgage company is sold off 1986 01:50:53.000 --> 01:50:57.279 or change, they don't notify the insurance company notify Usually 1987 01:50:57.479 --> 01:51:01.239 the person the actual loanholder, like, were you notified that 1988 01:51:01.319 --> 01:51:03.560 your loan got transferred to Flagstar. 1989 01:51:06.119 --> 01:51:10.039 No, but we figured it out because eventually, you know, 1990 01:51:10.279 --> 01:51:13.279 my daughter was making monthly payments and she had to start. 1991 01:51:15.079 --> 01:51:18.880 I mean UWM wouldn't take her payments anymore because they 1992 01:51:18.920 --> 01:51:23.319 sold their mortgage, and so she started live start and 1993 01:51:23.399 --> 01:51:27.239 that all continues to her insurance was paid or taxes 1994 01:51:27.279 --> 01:51:30.000 were paid. But no, we did not get a letter. 1995 01:51:31.159 --> 01:51:31.720 They should have. 1996 01:51:31.800 --> 01:51:33.640 I mean, I think they almost have to. And maybe 1997 01:51:33.760 --> 01:51:35.880 and this is starting to sound like it's kind of 1998 01:51:36.199 --> 01:51:38.920 a consistent problem here, because here's what I was trying. 1999 01:51:38.960 --> 01:51:41.199 Whenever you went to break I said, doubtful. Here's the 2000 01:51:41.199 --> 01:51:44.560 reason why it's up to an insured to inform the 2001 01:51:44.600 --> 01:51:46.520 agent or in this case safego. I don't know if 2002 01:51:46.520 --> 01:51:48.920 you have an agent whatever to inform them of a 2003 01:51:48.960 --> 01:51:52.359 new mortgage company that they can then update the policy 2004 01:51:52.479 --> 01:51:55.560 so that it bills to the correct company, because otherwise 2005 01:51:56.000 --> 01:51:58.000 we wouldn't know, I wouldn't have a clue that your 2006 01:51:58.039 --> 01:52:01.119 loan sold, so you wouldn't need to your agent who 2007 01:52:01.199 --> 01:52:04.239 could then update the policy or contact safe could directly 2008 01:52:04.279 --> 01:52:06.840 and do it. But then also the reason I also 2009 01:52:07.399 --> 01:52:11.439 is that in the policy language of any homeowner policy, 2010 01:52:11.479 --> 01:52:14.640 any kind of condo policy, it's going to say that 2011 01:52:14.760 --> 01:52:18.319 they have to uh to let you know in writing 2012 01:52:19.319 --> 01:52:22.960 that a cancelation takes place, but it states there the 2013 01:52:23.000 --> 01:52:25.399 only the only proof they have to have is that 2014 01:52:25.399 --> 01:52:28.359 they have proof of first class mailing. So in other words, 2015 01:52:28.359 --> 01:52:29.840 they just have to prove they mailed it out. 2016 01:52:30.159 --> 01:52:31.439 What if they can't prove it? 2017 01:52:32.159 --> 01:52:36.800 Lisa, is it possible your daughter did not look? 2018 01:52:38.920 --> 01:52:41.560 I mean, I guess anything's possible. But wouldn't I have, 2019 01:52:41.840 --> 01:52:43.840 as the co signer, gotten the same ladder. 2020 01:52:44.119 --> 01:52:46.399 No, it's just they were seeming sure it is. It's 2021 01:52:46.479 --> 01:52:48.800 it's the name shirt on the policy wherever all the 2022 01:52:48.840 --> 01:52:51.399 documents go. And what I guess I'm telling you is 2023 01:52:51.600 --> 01:52:54.079 I would absolutely hold their feet to the fire and say, hey, 2024 01:52:54.199 --> 01:52:56.279 give me proof that you send up this cancelation. 2025 01:52:56.399 --> 01:52:58.279 Lisa, you got to do that. You got to tell 2026 01:52:58.960 --> 01:53:00.960 that you were never noted fight of a lapse. 2027 01:53:02.119 --> 01:53:04.239 When we go to Safeco, they tell us to go 2028 01:53:04.279 --> 01:53:06.399 to Flagstar. When we go to Flagstar, they tell us 2029 01:53:06.439 --> 01:53:10.199 to go to Safeco. They won't Okay, okay, hold on 2030 01:53:11.399 --> 01:53:14.600 how much our account? You know how you have like 2031 01:53:14.640 --> 01:53:18.399 a document section in your account. There's no document. 2032 01:53:18.960 --> 01:53:23.000 Okay, even here's what I would recommend you do. Here's 2033 01:53:23.000 --> 01:53:26.960 what I recommend. The limit of small claims court is 2034 01:53:27.000 --> 01:53:31.079 seventy five hundred. Do you have an insurance agent? 2035 01:53:33.760 --> 01:53:34.000 Yes? 2036 01:53:34.800 --> 01:53:37.880 And just to add here, she wasn't notified of any 2037 01:53:37.920 --> 01:53:38.279 of these. 2038 01:53:38.760 --> 01:53:40.880 Well, these communications tough. 2039 01:53:42.399 --> 01:53:46.439 If she was your agent of record, I would sue 2040 01:53:46.479 --> 01:53:47.760 both her and Safeco. 2041 01:53:48.800 --> 01:53:52.760 It's not your mortgage company's problem. They reached out to 2042 01:53:52.800 --> 01:53:53.399 see now. 2043 01:53:53.319 --> 01:53:57.000 They collected the money even though they will continued to 2044 01:53:57.039 --> 01:54:01.439 collect money for a year and didn't question who to 2045 01:54:01.479 --> 01:54:02.159 send the money to. 2046 01:54:03.239 --> 01:54:06.399 You said they reached out to say you said. 2047 01:54:06.199 --> 01:54:06.960 They did, but. 2048 01:54:09.199 --> 01:54:09.600 I did. 2049 01:54:10.800 --> 01:54:12.760 I just hold on. 2050 01:54:12.920 --> 01:54:16.359 So if SAFEG did not respond, wait, if SAFEG did 2051 01:54:16.399 --> 01:54:21.479 not respond, I don't understand. Normally an insurance company if 2052 01:54:21.520 --> 01:54:22.800 they're not insured. 2053 01:54:23.399 --> 01:54:25.880 If that mortgage company was not insured. 2054 01:54:25.520 --> 01:54:28.319 They would have pushed put forced insurance on you for 2055 01:54:28.359 --> 01:54:33.399 that long of time, right, Well, was forced insurance put 2056 01:54:33.439 --> 01:54:34.119 on you? 2057 01:54:34.159 --> 01:54:34.920 No? 2058 01:54:34.920 --> 01:54:38.479 No, and it wouldn't have loss assessment coverage, so it 2059 01:54:38.520 --> 01:54:40.680 really wouldn't help you in this matter. They wouldn't have 2060 01:54:40.720 --> 01:54:43.199 to carry loss assessment and forced place is usually for 2061 01:54:43.239 --> 01:54:47.560 a hometown, not condos because the HOA has has a 2062 01:54:47.600 --> 01:54:50.560 policy for the exterior, which is really what the mortgage 2063 01:54:50.560 --> 01:54:54.000 company cares about. But my point is it's a simple 2064 01:54:54.039 --> 01:54:57.920 conversation to say, I'm not asking for I can't just 2065 01:54:57.960 --> 01:55:00.920 say one at All you need to say is I 2066 01:55:01.039 --> 01:55:02.920 need proof that you sent me cancelation. 2067 01:55:03.479 --> 01:55:09.479 Your agent, your agent, Lisa, your agent needs to do 2068 01:55:09.600 --> 01:55:11.199 it for you. 2069 01:55:12.399 --> 01:55:12.600 Right. 2070 01:55:12.760 --> 01:55:15.960 She tried, she escalated it. Her manager said, sorry, we 2071 01:55:16.039 --> 01:55:19.720 can't help you. So how do I get these two companies. 2072 01:55:20.159 --> 01:55:23.000 To knock to one? First of all, First of all, Lisa, 2073 01:55:23.439 --> 01:55:25.479 you need to you need to hear us because you're 2074 01:55:25.479 --> 01:55:26.039 not listening. 2075 01:55:26.680 --> 01:55:27.039 Okay. 2076 01:55:27.199 --> 01:55:32.239 The only company that you need to deal with is 2077 01:55:32.359 --> 01:55:34.319 Safe is Safe Co. Okay. 2078 01:55:34.960 --> 01:55:39.439 Those guys are the ones that must prove to you 2079 01:55:40.479 --> 01:55:43.560 that they sent out a notice of laps. 2080 01:55:43.680 --> 01:55:50.319 Okay, they're the only ones, not your mortgage company after you. 2081 01:55:50.760 --> 01:55:55.039 If in fact, you got a notice of laps, you 2082 01:55:55.199 --> 01:55:57.920 got a problem. If you did not get a notice 2083 01:55:57.960 --> 01:56:02.560 of laps, then they got a problem. That's where we start. 2084 01:56:02.880 --> 01:56:06.319 We're not gonna drop it. We're gonna start there. So 2085 01:56:06.640 --> 01:56:09.520 if your agent, and this is what you tell your agent, 2086 01:56:10.520 --> 01:56:14.600 if she cannot get you proof or admit there is 2087 01:56:14.640 --> 01:56:20.119 no proof you are suing your agent for the amount. 2088 01:56:21.119 --> 01:56:22.600 Are you friends with this agent? 2089 01:56:24.880 --> 01:56:25.880 I wouldn't say friends. 2090 01:56:26.479 --> 01:56:28.920 Well, it sounds like you're being soft on her because 2091 01:56:29.199 --> 01:56:31.680 this agent dropped the frickin' ball. 2092 01:56:33.159 --> 01:56:36.039 And if you're getting absolutely nowhere with your current agent, 2093 01:56:36.880 --> 01:56:40.239 give her my number. I will contact Safeco. I'm not 2094 01:56:40.399 --> 01:56:42.560 the agent of records, so they don't have to no. 2095 01:56:42.560 --> 01:56:48.800 But you should, Lisa immediately change. You should immediately change 2096 01:56:48.840 --> 01:56:52.920 the agent of record, by the way, immediately, and I 2097 01:56:52.960 --> 01:56:57.039 would call Compass. I'm not kidding you. This is bs 2098 01:56:57.279 --> 01:57:00.039 the way your agent has washed her hands. 2099 01:56:59.760 --> 01:57:00.199 Of this US. 2100 01:57:01.520 --> 01:57:03.479 What's the name of the agency, I'm curious. 2101 01:57:04.520 --> 01:57:09.520 It's it's safe Coo pine Cone, pine Cone. 2102 01:57:10.760 --> 01:57:15.279 Yeah, safecoat pine Cone. Where are they locating you? 2103 01:57:15.760 --> 01:57:19.079 They are in I want to say, like evergreen. 2104 01:57:19.920 --> 01:57:23.840 Color Safeco pine Co. Have you ever heard of it? 2105 01:57:24.680 --> 01:57:26.840 I think they were probably the least expensive. 2106 01:57:28.199 --> 01:57:30.479 Maybe it's just pine Cone insurance. I don't know. I 2107 01:57:30.560 --> 01:57:34.079 don't know, but I'm just saying either way, if you're 2108 01:57:34.159 --> 01:57:36.800 not getting anywhere, give her my number, and I'll need 2109 01:57:36.800 --> 01:57:38.920 the pulse number and I will try to push up them. 2110 01:57:39.119 --> 01:57:41.640 It's not an unreasonable request to say, I need person. 2111 01:57:41.720 --> 01:57:44.079 It was since but I am, I'd be shocked if 2112 01:57:44.079 --> 01:57:45.159 they can't provide. 2113 01:57:44.800 --> 01:57:46.960 That, okay. 2114 01:57:47.359 --> 01:57:50.920 And if they can, your daughter made a very expensive mistake. 2115 01:57:51.560 --> 01:57:55.840 Pine Cone Insurance in Evergreen, Well, okay, and if you 2116 01:57:55.920 --> 01:57:58.479 see the damn pictures here there there are a bunch 2117 01:57:58.520 --> 01:58:04.000 of yokes. Honest to God. Look at the owner sitting 2118 01:58:04.000 --> 01:58:10.199 there with a freaking a big cock. I'm a chicken, 2119 01:58:10.640 --> 01:58:12.800 you know. I say that because the red thing and 2120 01:58:12.800 --> 01:58:15.159 then the other guy's sitting there with his dogs. I mean, 2121 01:58:15.199 --> 01:58:18.880 come on, you people, these come on. This is a 2122 01:58:19.039 --> 01:58:23.479 yokam age of yokels. They're freaking yokels. And then and 2123 01:58:23.520 --> 01:58:26.640 then the real pine Cone is their guard rooster. 2124 01:58:26.960 --> 01:58:29.039 That's what She's there with a rooster. I should have said, 2125 01:58:29.079 --> 01:58:31.680 I'm sorry. So listen, the thing is. 2126 01:58:33.359 --> 01:58:33.840 They're there. 2127 01:58:33.960 --> 01:58:39.039 They're jokes. This agency is a joke. Look at him. 2128 01:58:39.239 --> 01:58:41.800 Call it. Listen, call your agent, Okay. 2129 01:58:41.720 --> 01:58:45.199 Just start start getting upset about this, Lisa, and. 2130 01:58:45.199 --> 01:58:47.279 Tell her we're involved and we can help you. 2131 01:58:47.960 --> 01:58:51.479 And and Compass is even volunteering, for God's sakes to. 2132 01:58:51.479 --> 01:58:53.600 Call for you. And you know what you ought to do. 2133 01:58:53.960 --> 01:58:55.720 Call her now and say I want to change my 2134 01:58:55.840 --> 01:58:56.920 agency of record. 2135 01:58:57.079 --> 01:58:59.239 Now. By the way, Brian's not doing that, so they 2136 01:58:59.279 --> 01:59:02.600 can't they can't blame him for pirrating. I'm doing it. 2137 01:59:02.880 --> 01:59:05.079 I'm saying you're not being served. 2138 01:59:05.680 --> 01:59:07.880 We got more coming up on the Troubleshooter Show three 2139 01:59:07.880 --> 01:59:09.960 o three seven one three eight two five five. 2140 01:59:10.000 --> 01:59:10.760 Excel Roofing. 2141 01:59:10.800 --> 01:59:13.600 By the way, when you're looking for any kind of 2142 01:59:14.159 --> 01:59:17.880 damage control for your house, on hell damage or anything 2143 01:59:17.960 --> 01:59:21.000 like that, they are the best. Not a penny upfront, 2144 01:59:21.079 --> 01:59:23.920 not a cent until you're content, and they will never 2145 01:59:23.960 --> 01:59:26.000 force you into a contract to give you a full 2146 01:59:26.039 --> 01:59:30.079 and complete, detailed contract first, never make you sign anything. 2147 01:59:30.119 --> 01:59:32.760 Excel three oh three. And by the way, it's the 2148 01:59:32.800 --> 01:59:35.199 only roof for I use, and I've used him for 2149 01:59:35.319 --> 01:59:38.840 years Excel Roofing dot com on all of my houses 2150 01:59:39.399 --> 01:59:45.920 and including roof and addict ventilation seven three oh three, 2151 01:59:46.039 --> 01:59:54.520 seven sixty one sixty four hundred go with a sure 2152 01:59:54.600 --> 01:59:57.840 thing Denver's Best roof for Excel Roofing dot com. You 2153 01:59:57.840 --> 02:00:03.600 don't pay a cent until you're content. Time for an 2154 02:00:03.640 --> 02:00:07.880 insurance checkup free, no obligation. In comparison, call Compass insurance 2155 02:00:08.039 --> 02:00:11.039 paying too much your coverage at dozens of insurance companies 2156 02:00:11.119 --> 02:00:13.159 find out now three o three seven to seven to 2157 02:00:13.199 --> 02:00:15.960 one help. You'll think you're his only customer when you 2158 02:00:16.039 --> 02:00:18.479 choose Frank durand the real estate man dot com to 2159 02:00:18.560 --> 02:00:21.920 list your home with Remax Alliance three three nine two 2160 02:00:22.000 --> 02:00:28.880 zero sixteen twenty two. Hi Tom Martino here, Bill. I'm 2161 02:00:29.000 --> 02:00:30.880 so sorry for the weight. 2162 02:00:31.880 --> 02:00:32.600 What's going on? 2163 02:00:33.600 --> 02:00:36.039 That's that's all right. Hey, I'm just wondering if any 2164 02:00:36.079 --> 02:00:38.720 of the listeners have heard of any of the health 2165 02:00:38.720 --> 02:00:41.920 benefits of using apple side of vinegar. 2166 02:00:42.279 --> 02:00:45.039 Yes, I have. What do you want to know? 2167 02:00:46.640 --> 02:00:47.920 What have you heard? 2168 02:00:48.680 --> 02:00:50.960 We'll see to help your kidneys and stuff like that. 2169 02:00:51.640 --> 02:00:52.800 Help clean stuff up. 2170 02:00:53.159 --> 02:00:54.920 Now you don't take it straight. You should put it 2171 02:00:54.960 --> 02:01:03.560 in water right now. It's the acid. Okay, it can help. 2172 02:01:04.159 --> 02:01:07.159 Here's what it does. First of all, the. 2173 02:01:07.039 --> 02:01:11.039 Apple cider vinegar can actually lower blood sugar. 2174 02:01:12.079 --> 02:01:12.680 Did you know that? 2175 02:01:13.760 --> 02:01:13.920 No? 2176 02:01:14.800 --> 02:01:19.640 Yeah, it actually can. It's a natural blood sugar lowerer. 2177 02:01:20.079 --> 02:01:23.119 So it holds to take it, Oh, not at all. 2178 02:01:23.279 --> 02:01:25.520 Now you don't take too much. Let me think how 2179 02:01:25.600 --> 02:01:27.880 much you need. It can help you with your skin. 2180 02:01:27.960 --> 02:01:30.560 I'm reading here and I have my own notes because 2181 02:01:30.560 --> 02:01:32.119 I'm a big believer in it. 2182 02:01:32.159 --> 02:01:34.760 My whole family is I don't take it, by the way, 2183 02:01:34.800 --> 02:01:35.960 I just want to be honest with you. 2184 02:01:37.720 --> 02:01:40.800 But I'm a big believer in it. But I don't 2185 02:01:40.840 --> 02:01:42.359 really have problems here. 2186 02:01:42.199 --> 02:01:44.920 That I need it for. But I guess you could 2187 02:01:44.960 --> 02:01:48.199 take it anyway. It's really good for you. It really is. 2188 02:01:49.039 --> 02:01:52.279 Let's put it this way. There's nothing bad about it. 2189 02:01:52.279 --> 02:01:59.239 It could now large amounts can cause digestive issues, it 2190 02:01:59.239 --> 02:02:02.680 says here, and it can actually rot your teeth, but 2191 02:02:02.840 --> 02:02:05.119 that would be like if you drank tons of it, 2192 02:02:05.199 --> 02:02:07.760 and if you sip it and let it stay. 2193 02:02:07.520 --> 02:02:10.960 In your mouth a long time. What my mom used 2194 02:02:10.960 --> 02:02:11.239 to do. 2195 02:02:12.000 --> 02:02:15.199 I believe she would take a tablespo Wait, let me 2196 02:02:15.319 --> 02:02:18.880 just ask what is the appropriate dose? And I'm asking 2197 02:02:18.920 --> 02:02:30.800 my girlfriend. My girlfriend is copilot, you know who that is? Okay, 2198 02:02:31.039 --> 02:02:36.239 the appropriate dose It can vary, obviously, Okay, that's what 2199 02:02:36.279 --> 02:02:38.560 I thought. My mom used to take a tablespoon. It 2200 02:02:38.560 --> 02:02:42.359 says one to two tablespoons, so and you take. 2201 02:02:42.239 --> 02:02:44.720 It or you can. 2202 02:02:44.920 --> 02:02:48.079 Yeah, so one to two tablespoons would do it for 2203 02:02:48.119 --> 02:02:52.319 you daily, But some people take it listen before every 2204 02:02:52.359 --> 02:02:54.600 meal and that doesn't hurt. 2205 02:02:54.640 --> 02:02:56.199 One tablespoon before. 2206 02:02:55.920 --> 02:03:00.119 Every meal helps with digestion. But no matter what but 2207 02:03:00.439 --> 02:03:02.439 and so you don't have you don't need a lot. 2208 02:03:02.840 --> 02:03:04.600 You may want to take one of My mom used 2209 02:03:04.640 --> 02:03:07.399 to take I think a tablespoon in some warm water 2210 02:03:07.479 --> 02:03:09.680 in the morning, and I couldn't stand how she could 2211 02:03:09.760 --> 02:03:11.680 do that, and then another one at night. 2212 02:03:12.279 --> 02:03:15.680 Well, I like drinking the vinegar after I have salad. 2213 02:03:16.600 --> 02:03:19.279 You literally like it straight. 2214 02:03:19.640 --> 02:03:20.680 With oil and vinicar. 2215 02:03:20.760 --> 02:03:21.319 Yeah, I like it. 2216 02:03:21.359 --> 02:03:21.800 I don't know. 2217 02:03:22.079 --> 02:03:23.920 Well, you're not gonna do it like that? Well, I 2218 02:03:23.920 --> 02:03:25.760 don't know. I guess you would get the same benefit. 2219 02:03:26.000 --> 02:03:28.319 I mean, it doesn't say you can't dilute it, but 2220 02:03:29.439 --> 02:03:31.560 you know what, actually, if you put it in salad, 2221 02:03:31.560 --> 02:03:33.520 what the hell is the difference? You're still getting it. 2222 02:03:34.199 --> 02:03:36.880 I'm with you, Bill, I'm with you. Why bother taking 2223 02:03:36.920 --> 02:03:38.000 it direct if you can. 2224 02:03:37.920 --> 02:03:42.840 Just have it on salad? Okay anyway, but sure three 2225 02:03:42.920 --> 02:03:45.359 h three seven one three talk seven one three eight 2226 02:03:45.359 --> 02:03:47.399 two five to five. I got a question here on 2227 02:03:47.439 --> 02:03:48.560 the motorized shades. 2228 02:03:49.159 --> 02:03:49.359 Yep. 2229 02:03:50.279 --> 02:03:53.720 Can shutters be motorized? Yes, so you can actually have 2230 02:03:53.760 --> 02:03:54.960 the louvers. 2231 02:03:54.680 --> 02:03:58.239 The tilt yep, the lovers tilt open and clothes. 2232 02:03:58.039 --> 02:04:02.479 Huh and catastic? Oh did you get him from? 2233 02:04:02.720 --> 02:04:05.039 I got some upper windows that I can't reach by hands? 2234 02:04:05.159 --> 02:04:08.960 Are they pretty cool? So you just dragging them a? 2235 02:04:08.960 --> 02:04:12.800 Are they even? Yes? You can sink them? 2236 02:04:12.840 --> 02:04:15.439 Correct, I've got three windows. I can pick one two 2237 02:04:15.520 --> 02:04:19.439 or three or all three. It's it's a fantastic. 2238 02:04:19.880 --> 02:04:22.840 Oh, very cool. And how do they run? How did 2239 02:04:22.880 --> 02:04:24.439 you wire? Are they battery? 2240 02:04:24.560 --> 02:04:26.640 Yeah, so there's solar on the out on the on 2241 02:04:26.680 --> 02:04:29.640 the windows themselves, but the remote is battery. 2242 02:04:29.760 --> 02:04:32.399 Yep, very cool, so you can recharge them. 2243 02:04:32.439 --> 02:04:34.720 But he's got a solar panel also that pretty much 2244 02:04:34.800 --> 02:04:35.960 keeps them topped off all. 2245 02:04:35.920 --> 02:04:37.960 The time, so you don't have to deal with it. 2246 02:04:38.439 --> 02:04:41.600 That's very cool. Now are they Are they a composite 2247 02:04:41.640 --> 02:04:44.479 material plastic? So he doesn't? Or are they would? Or 2248 02:04:44.520 --> 02:04:45.239 what both? 2249 02:04:45.840 --> 02:04:47.560 You know, there's like a wood extrusion. 2250 02:04:47.720 --> 02:04:51.279 There's their woodlower woodwar plus and then yeah, you can 2251 02:04:51.319 --> 02:04:54.760 get them in pure wood what's best in ninety five? 2252 02:04:55.479 --> 02:04:56.800 Would because of the maintenance? 2253 02:04:56.880 --> 02:04:57.039 Right? 2254 02:04:57.079 --> 02:04:59.079 Are there is there any maintenance with that wood? To 2255 02:04:59.199 --> 02:05:00.880 like you you never have to refinish him? 2256 02:05:00.880 --> 02:05:03.920 Got they're finished? Really nice? Really yeah? And so are 2257 02:05:03.920 --> 02:05:05.359 the ones he has. They're beautiful? 2258 02:05:05.680 --> 02:05:06.159 Yeah? 2259 02:05:06.199 --> 02:05:07.479 What color? Are they white? 2260 02:05:08.000 --> 02:05:08.239 White? 2261 02:05:08.720 --> 02:05:09.119 Or white? 2262 02:05:09.239 --> 02:05:10.520 Can you get them in different colors. 2263 02:05:10.560 --> 02:05:11.119 Absolutely. 2264 02:05:11.119 --> 02:05:13.520 You can get them in stains and you know, for 2265 02:05:13.560 --> 02:05:17.439 the in the real hardwood, there's a lot of different 2266 02:05:17.840 --> 02:05:18.880 there's a lot of different paints. 2267 02:05:18.880 --> 02:05:21.199 Can you get the composite materials in different colors? 2268 02:05:21.199 --> 02:05:21.760 Absolutely. 2269 02:05:21.800 --> 02:05:24.399 You can also have them custom painted to your exact 2270 02:05:24.399 --> 02:05:25.800 paint in your house if you want to. 2271 02:05:25.920 --> 02:05:27.880 I'd also like to point out to my windows are 2272 02:05:27.960 --> 02:05:31.399 very oddly shaped. Their trapezoidal windows, not the regular square 2273 02:05:31.439 --> 02:05:34.079 ones around or anything. So they were they were custom 2274 02:05:34.119 --> 02:05:35.880 made just for those specific windows. 2275 02:05:35.960 --> 02:05:38.920 Wait, are all your windows are the just the upper 2276 02:05:38.920 --> 02:05:40.159 ones are trapp upper ones. 2277 02:05:40.239 --> 02:05:41.560 Yeah? 2278 02:05:42.279 --> 02:05:44.079 Yeah, man, that's pretty color. 2279 02:05:44.960 --> 02:05:45.640 They're awesome. 2280 02:05:45.960 --> 02:05:48.319 And so he just hits the remote and that's it. 2281 02:05:48.600 --> 02:05:48.800 Yeah. 2282 02:05:48.880 --> 02:05:50.439 Or you can do an app on your phone. 2283 02:05:50.640 --> 02:05:53.720 Also, can he program it during the day, like when 2284 02:05:53.760 --> 02:05:55.319 it's going to be sunny and he's not home. 2285 02:05:55.399 --> 02:05:57.640 Yep, you can have automatically open, or he can pick 2286 02:05:57.720 --> 02:05:59.520 up his phone from where he's sitting right now and 2287 02:05:59.560 --> 02:06:00.520 open them from. 2288 02:06:00.640 --> 02:06:01.560 From the station. 2289 02:06:01.920 --> 02:06:02.760 Huh. 2290 02:06:02.840 --> 02:06:06.560 Hey man, that is pretty cool. Dragon's beautiful stud I 2291 02:06:06.680 --> 02:06:09.439 know you'll do business with By the way, Denver Shades 2292 02:06:09.439 --> 02:06:12.239 dot Co seven two zero four five eight six five 2293 02:06:12.439 --> 02:06:15.920 sixty six go with a sure thing Denver's best roofer 2294 02:06:16.039 --> 02:06:18.960 Excel Roofing dot com. You don't pay a cent until 2295 02:06:19.000 --> 02:06:19.600 you're content. 2296 02:06:23.000 --> 02:06:26.159 Time for an insurance check up free no obligation comparison 2297 02:06:26.279 --> 02:06:29.880 call Compass Insurance paying too much your coverage at dozens 2298 02:06:29.880 --> 02:06:32.600 of insurance companies find out now three oh three seven 2299 02:06:32.720 --> 02:06:35.520 seven to one help. You'll think you're his only customer 2300 02:06:35.560 --> 02:06:37.800 when you choose Frank durand the real estate Man dot 2301 02:06:37.840 --> 02:06:41.119 com to list your home with Remax Alliance three oh 2302 02:06:41.199 --> 02:06:49.560 three nine two zero sixteen twenty two. Hi TOMARTI three 2303 02:06:49.800 --> 02:06:53.000 three seven one three talk three oh three seven one 2304 02:06:53.039 --> 02:06:54.600 three eight two five five. 2305 02:06:55.199 --> 02:06:55.840 All right, so. 2306 02:06:57.439 --> 02:07:01.079 Eriah's back, Deputy Bob, be right with you, man. I 2307 02:07:01.159 --> 02:07:04.640 want to take your ryah real quick. Here you're riah. 2308 02:07:04.760 --> 02:07:08.800 So the firearm guy said he's going to refund you 2309 02:07:08.880 --> 02:07:09.399 next week? 2310 02:07:09.960 --> 02:07:13.840 Is that right? Is that right? Chopper tomorrow? Oh tomorrow, 2311 02:07:13.920 --> 02:07:15.159 I'm sorry tomorrow. 2312 02:07:16.880 --> 02:07:19.039 Yeah. I just got off a record a long with him, 2313 02:07:19.079 --> 02:07:22.039 and he said that he was willing to pay me tomorrow. 2314 02:07:22.640 --> 02:07:26.840 Okay, good. So he wasn't upset with you, was he? No? 2315 02:07:26.960 --> 02:07:30.640 He sounded pretty. He didn't sound terribly upset. He just 2316 02:07:30.680 --> 02:07:32.760 sounds kind of like he's over the situation. 2317 02:07:32.960 --> 02:07:37.479 But well, it's your money, for God's sakes. Hey, I 2318 02:07:37.520 --> 02:07:42.880 want to talk to Mark. Mark is on a referral list. Hey, Mark, 2319 02:07:43.000 --> 02:07:45.520 is the name of your company Concealed. 2320 02:07:45.000 --> 02:07:48.479 Carry, Concealed Kerry Classes of Denver. 2321 02:07:49.640 --> 02:07:54.439 And you do classes, as the name implies, concealed Carry 2322 02:07:54.479 --> 02:07:55.520 Classes of Denver. 2323 02:07:55.960 --> 02:07:57.720 And you know a little bit about the laws. 2324 02:07:57.800 --> 02:08:03.239 So tell me something way the way Uriah explains it. Uriah, 2325 02:08:03.319 --> 02:08:06.680 you went in and filled out an application? 2326 02:08:06.840 --> 02:08:14.680 Is that right? Uriah? Is he? There? Can there somebody 2327 02:08:14.680 --> 02:08:21.000 help me? Aryah? Okay, now I'm getting Yeah, you're right. 2328 02:08:21.079 --> 02:08:23.000 I'm sorry, uh Aryah. 2329 02:08:23.199 --> 02:08:25.680 So you filled out an application or a buyo or 2330 02:08:25.840 --> 02:08:26.720 whatever they call it. 2331 02:08:26.920 --> 02:08:31.159 A background check? Right, it's correct, and then you paid 2332 02:08:31.159 --> 02:08:31.600 the money. 2333 02:08:31.720 --> 02:08:35.520 Right, I paid the money, and then the item got 2334 02:08:35.520 --> 02:08:37.960 delivered to the store, and then I took the background check. 2335 02:08:38.439 --> 02:08:41.800 Wait, so you didn't take the background check before? 2336 02:08:43.479 --> 02:08:43.680 No? 2337 02:08:45.880 --> 02:08:48.880 So, Mark, were you saying there's a sequence of events? 2338 02:08:51.359 --> 02:08:53.840 So I filled out that the form filled out with 2339 02:08:53.960 --> 02:08:57.880 a AHTF form forty four seventy three, And that does 2340 02:08:57.920 --> 02:08:59.479 a form you have to fill out at a gun 2341 02:08:59.520 --> 02:09:02.479 store a license dealer in order to get a firearm 2342 02:09:02.600 --> 02:09:04.439 and The thing is is that you have to have 2343 02:09:04.600 --> 02:09:07.640 the serial number on the firearm in order to start 2344 02:09:07.640 --> 02:09:08.520 the background check. 2345 02:09:08.760 --> 02:09:11.000 Okay, and that's what he did. That's what he did. 2346 02:09:11.039 --> 02:09:14.000 He waited for the he waited for the firearm to 2347 02:09:14.039 --> 02:09:17.960 get in, then he did the background check to be 2348 02:09:18.399 --> 02:09:18.920 the Uh. 2349 02:09:19.439 --> 02:09:26.079 The gun dealer actually ordered the firearm for you. Yes, yes, okay, 2350 02:09:26.159 --> 02:09:29.439 that I mean, I am surprised that he's actually refunding you, 2351 02:09:29.520 --> 02:09:33.279 because when it comes to especially ordering firearms, they typically 2352 02:09:33.279 --> 02:09:35.720 don't refund on stuff like that because well then. 2353 02:09:35.640 --> 02:09:37.720 Wait a minute, Wait a minute, wait a minute. So 2354 02:09:37.800 --> 02:09:40.319 you're telling me, Mark that when we go to a 2355 02:09:40.399 --> 02:09:43.600 gun store and we put money down on a gun 2356 02:09:43.720 --> 02:09:47.560 and they want they want payment up front, and and 2357 02:09:47.600 --> 02:09:50.439 they and then the gun is delivered to the gun store, 2358 02:09:51.000 --> 02:09:54.119 and if for some reason, my background check is rejected, 2359 02:09:54.439 --> 02:09:57.960 you're telling me I forfeit the purchase price of the gun. 2360 02:09:59.159 --> 02:10:02.399 Typically y because the gun dealer cannot rea sure that gun. 2361 02:10:02.560 --> 02:10:04.720 They are stuck with that gun. 2362 02:10:05.000 --> 02:10:07.319 Well, then I think that's the gun dealer's problem in 2363 02:10:07.359 --> 02:10:10.239 my opinion. I mean, why should I pay for something 2364 02:10:10.319 --> 02:10:11.720 I can't get. 2365 02:10:12.880 --> 02:10:15.439 That's just how it's always worked. I mean, every gun 2366 02:10:15.479 --> 02:10:18.399 dealer you walk into. And this has been the case 2367 02:10:18.399 --> 02:10:21.000 since two thousand and six, since I bought my first firearm. 2368 02:10:21.439 --> 02:10:25.880 There's typically no refunds on firearms, period because. 2369 02:10:25.560 --> 02:10:28.399 They can hold on. But I did not make the 2370 02:10:28.439 --> 02:10:29.399 purchase yet. 2371 02:10:30.920 --> 02:10:34.840 Typically you do make the purchase before they ordered the 2372 02:10:34.840 --> 02:10:37.840 firearm for you. That's been every single case when I 2373 02:10:37.920 --> 02:10:41.279 purchased a firearm. Is when I purchased it, they send 2374 02:10:41.359 --> 02:10:43.760 it to the dealer, or if I order from the dealer, 2375 02:10:44.039 --> 02:10:47.439 it gets delivered there, and there's no refunds on the Okay, So. 2376 02:10:47.880 --> 02:10:48.960 Correct me if I'm wrong. 2377 02:10:49.439 --> 02:10:52.439 I have to pass a background check before I can 2378 02:10:52.439 --> 02:10:53.520 purchase a firearm. 2379 02:10:53.600 --> 02:10:57.399 Is that correct? Yes, you do, hold on? 2380 02:10:57.479 --> 02:11:00.319 Hold on, then you're telling me though, when I give 2381 02:11:00.319 --> 02:11:03.079 you the twelve hundred bucks for the firearm, I've purchased it, 2382 02:11:03.119 --> 02:11:05.319 but I didn't take a background check yet because you 2383 02:11:05.359 --> 02:11:06.359 don't have the gun yet. 2384 02:11:08.000 --> 02:11:10.760 Yeah. So you do purchase it and it does fit 2385 02:11:10.840 --> 02:11:14.399 a dealer, right, and then from there, the dealer actually 2386 02:11:14.479 --> 02:11:17.000 runs the background check on the actual seal number of 2387 02:11:17.039 --> 02:11:20.319 the firearm itself. They have to have the firearm first 2388 02:11:20.319 --> 02:11:21.920 in order to do the background check. 2389 02:11:22.000 --> 02:11:23.720 Why. I'm just curious why. 2390 02:11:24.079 --> 02:11:27.640 That's according to the ATF the Gun Control Act of 2391 02:11:27.720 --> 02:11:29.439 nineteen sixty eight, at the federal. 2392 02:11:29.359 --> 02:11:31.039 Okay, okay, I get it. 2393 02:11:31.039 --> 02:11:34.520 So now, now, if if you have a gun in stock, 2394 02:11:36.199 --> 02:11:39.199 you'll do the background check before me buying it? Are 2395 02:11:39.199 --> 02:11:41.920 you telling me every single person that goes to a 2396 02:11:41.960 --> 02:11:44.960 gun shop is paying for something that they don't know 2397 02:11:45.000 --> 02:11:46.199 if they're gonna get. 2398 02:11:47.239 --> 02:11:50.279 Typically the person should know if they're disqualified or not 2399 02:11:50.319 --> 02:11:52.680 to own a firearm. I mean, I'm. 2400 02:11:52.520 --> 02:11:54.960 Asking you if you have a gun in stock. If 2401 02:11:54.960 --> 02:11:59.119 a firearm dealer has a gun in stock and they 2402 02:11:59.279 --> 02:12:02.720 run a back round check on that gun and I 2403 02:12:03.000 --> 02:12:07.720 am rejected, you're saying they will still require payment. 2404 02:12:09.319 --> 02:12:12.239 It really depends on the policy. But yeah, typically, yes, 2405 02:12:12.319 --> 02:12:16.600 there is no refunds for firearms purchases on most gun dealers. 2406 02:12:16.359 --> 02:12:16.760 You go to. 2407 02:12:17.159 --> 02:12:20.600 So do you require payment upfront before running a background check? 2408 02:12:22.119 --> 02:12:23.720 It's really up to the gun dealer. 2409 02:12:23.760 --> 02:12:28.880 But okay, yes, so most gun dealers, you're telling me, 2410 02:12:29.159 --> 02:12:34.560 most gun dealers take your money and and make you 2411 02:12:34.720 --> 02:12:37.479 and will never give that money back, even if they 2412 02:12:37.560 --> 02:12:42.760 don't expend a dime on a gun, because I will 2413 02:12:42.800 --> 02:12:46.600 guarante I will guarantee you mark that that will never 2414 02:12:46.680 --> 02:12:50.119 hold up in court because that's Unjustin Richmond, there is 2415 02:12:50.319 --> 02:12:53.319 no way that I pay for a gun in full 2416 02:12:53.840 --> 02:12:57.359 and not be refunded if you can't deliver it. I'm sorry. Now, 2417 02:12:57.520 --> 02:12:59.760 that might be the way it is, and that be 2418 02:12:59.840 --> 02:13:02.560 a real cushy, a real cushy. 2419 02:13:02.239 --> 02:13:05.039 Thing for gun dealers, but that ain't right and that 2420 02:13:05.119 --> 02:13:10.479 ain't legal. I can't see how they can justify being 2421 02:13:10.720 --> 02:13:14.840 enriched twelve to fifteen hundred two thousand dollars without ever 2422 02:13:14.960 --> 02:13:16.079 delivering a product. 2423 02:13:17.399 --> 02:13:20.039 That's just I can tell you right now. There's typically 2424 02:13:21.039 --> 02:13:25.560 no refunds on firearms purchases. That's just the Paul, guess what. 2425 02:13:26.000 --> 02:13:29.439 I agree with you, But I didn't purchase the firearm 2426 02:13:29.680 --> 02:13:33.119 because the government says I can't purchase it without a 2427 02:13:33.239 --> 02:13:34.119 background check. 2428 02:13:35.479 --> 02:13:36.760 Right, I'm just explaining it. 2429 02:13:37.159 --> 02:13:40.079 No, I'm not mad at you, Brouh. I'm bringing out 2430 02:13:40.079 --> 02:13:41.159 the ridiculous mark. 2431 02:13:41.439 --> 02:13:43.520 It has nothing to do with you. 2432 02:13:43.199 --> 02:13:47.000 You're in the system, but it's an ass backwards system. 2433 02:13:47.239 --> 02:13:51.039 If you're telling me you can't no refunds, I get it. 2434 02:13:51.239 --> 02:13:53.960 If I bought a gun, I can't get it refunded. 2435 02:13:54.119 --> 02:13:57.520 But if I didn't buy it yet and I defy 2436 02:13:57.560 --> 02:14:00.720 a judge to tell me that I bought a firearm 2437 02:14:00.960 --> 02:14:03.680 when I'm not allowed to buy one. But he's gonna 2438 02:14:03.720 --> 02:14:06.520 tell me, oh, you bought it. He can't refund it. 2439 02:14:06.800 --> 02:14:09.239 I never put my hands on the gun. I'm not 2440 02:14:09.439 --> 02:14:12.880 asking for a refund. I'm asking for a return of 2441 02:14:12.920 --> 02:14:16.479 a deposit. I mean, I just don't understand it. And 2442 02:14:16.520 --> 02:14:19.079 if gun dealers are getting away with it, I want 2443 02:14:19.119 --> 02:14:22.279 a test case to bring to court. So anybody out 2444 02:14:22.279 --> 02:14:25.760 there who's been screwed out of a deposit on a gun, 2445 02:14:26.640 --> 02:14:28.439 I want to take it to court. 2446 02:14:29.079 --> 02:14:31.279 I'm telling you that right now. I want it. 2447 02:14:32.560 --> 02:14:36.199 That'll never have that will never stand up. That is 2448 02:14:36.560 --> 02:14:41.039 the ultimate unjustin Richmond. Now, if I truly purchased it 2449 02:14:41.079 --> 02:14:42.920 and come back the next day and say I don't 2450 02:14:42.960 --> 02:14:46.720 want it, but when it never leaves your possession, you 2451 02:14:46.960 --> 02:14:50.279 never deliver it. I defy you to call that a purchase, 2452 02:14:51.199 --> 02:14:53.920 especially if I did not qualify for the purchase. 2453 02:14:54.159 --> 02:14:55.600 You can't have it both ways. 2454 02:14:56.039 --> 02:14:59.039 And I'm telling you, I don't doubt you one second 2455 02:14:59.079 --> 02:15:02.560 mark that that's what gun dealers are doing. But if 2456 02:15:02.600 --> 02:15:06.680 that's what they're doing, they're screwing people all over all 2457 02:15:06.720 --> 02:15:09.640 over and in fact, I want to get atf on 2458 02:15:10.119 --> 02:15:12.439 who regulates this atf. 2459 02:15:13.079 --> 02:15:15.439 Uh, Well, there's a new gun law that just packs 2460 02:15:15.479 --> 02:15:18.399 in Colorado where the Total Beer Investigation is going to 2461 02:15:18.399 --> 02:15:21.680 be regulating gun stores. But yes, the Federal firemplights and 2462 02:15:22.359 --> 02:15:23.800 is issued by the And by. 2463 02:15:23.720 --> 02:15:27.640 The way, does the Federal Firearms license says nothing about 2464 02:15:27.640 --> 02:15:28.359 no refunds? 2465 02:15:28.439 --> 02:15:31.800 Right, this is a store, Pulsey. It's up to the dealer. 2466 02:15:31.840 --> 02:15:34.119 But I can and you're telling me that most stores 2467 02:15:34.199 --> 02:15:38.000 agree that there are no refunds, which I would agree on. 2468 02:15:38.520 --> 02:15:40.359 I would agree. 2469 02:15:39.920 --> 02:15:45.039 That once someone buys a gun there should be no refund. 2470 02:15:45.159 --> 02:15:49.199 I agree because it's it's too dangerous to be doing 2471 02:15:49.239 --> 02:15:50.039 that back and forth. 2472 02:15:50.079 --> 02:15:51.399 You don't know what they did to it, if they 2473 02:15:51.479 --> 02:15:52.119 altered it. 2474 02:15:52.159 --> 02:15:54.479 But if I never take delivery of a gun and 2475 02:15:54.520 --> 02:15:57.159 I don't pass a background check for a gun, I 2476 02:15:57.399 --> 02:16:01.039 defy anyone to define that as a perch because I 2477 02:16:01.079 --> 02:16:03.880 did not receive the goods. And if a gun dealer 2478 02:16:03.920 --> 02:16:07.000 thinks they're going to keep my money, in fact, the 2479 02:16:07.079 --> 02:16:08.239 problem is I would pass. 2480 02:16:08.319 --> 02:16:10.680 I was saying, I would love to take a case 2481 02:16:10.720 --> 02:16:12.640 to court, absolutely love it. 2482 02:16:13.039 --> 02:16:15.359 If there's a gun dealer who thinks they can take 2483 02:16:15.399 --> 02:16:19.039 two thousand dollars from me and then say you don't qualify, 2484 02:16:19.079 --> 02:16:21.560 but I'm going to keep your money anyway, and. 2485 02:16:21.640 --> 02:16:24.319 Call it no refund. 2486 02:16:24.760 --> 02:16:27.600 I would say, well, in order to be a refund, 2487 02:16:27.640 --> 02:16:30.159 there would have to be a transaction. In order to 2488 02:16:30.199 --> 02:16:32.879 be a transaction, I would have to be legally qualified 2489 02:16:32.959 --> 02:16:35.280 to make that transaction, and I would have to have 2490 02:16:35.360 --> 02:16:38.079 delivery of a product. 2491 02:16:37.479 --> 02:16:42.559 I just can't even believe that would happen. And so Mark, 2492 02:16:42.719 --> 02:16:45.520 I don't disagree with you at all that that's the 2493 02:16:45.520 --> 02:16:48.600 way it's happening, but it won't happen for long. If 2494 02:16:48.600 --> 02:16:51.520 I can get someone to call me who's been screwed 2495 02:16:51.559 --> 02:16:55.280 out of a gun deposit, I won't take long at all. 2496 02:16:55.399 --> 02:16:56.479 Won't take long. 2497 02:16:56.479 --> 02:16:58.920 Because we'll go right to the court of We'll go 2498 02:16:59.200 --> 02:17:02.840 just to the state and have it done or federal court. 2499 02:17:03.200 --> 02:17:05.319 But okay, we got to take a break. We have, 2500 02:17:05.600 --> 02:17:08.200 by the way, thank you very much, Mark, Concealed Carry 2501 02:17:08.239 --> 02:17:09.120 Classes of Denver. 2502 02:17:09.200 --> 02:17:10.959 He does a great job at what he does. We 2503 02:17:11.000 --> 02:17:11.879 have more coming up. 2504 02:17:12.239 --> 02:17:15.520 Go with a sure thing Denver's Best roofer Excel roofing 2505 02:17:15.639 --> 02:17:18.280 dot com. You don't pay a cent until you're content. 2506 02:17:21.639 --> 02:17:24.840 Time for an insurance checkup free, no obligation. In comparison, 2507 02:17:24.959 --> 02:17:28.479 call Compass Insurance paying too much your coverage at dozens 2508 02:17:28.520 --> 02:17:31.239 of insurance companies find out now three o three seven 2509 02:17:31.280 --> 02:17:33.639 to seven to one help. You'll think you're his only 2510 02:17:33.719 --> 02:17:36.200 customer when you choose Frank durand the real estate man 2511 02:17:36.239 --> 02:17:39.600 dot com to list your home with Remax Alliance three 2512 02:17:39.680 --> 02:17:44.520 oh three nine two zero sixteen twenty two. By the way, 2513 02:17:45.040 --> 02:17:46.879 I'm getting text from a lot of people. I'm not 2514 02:17:46.879 --> 02:17:49.840 going to get into it right now. Maybe we'll discuss tomorrow. 2515 02:17:50.159 --> 02:17:54.280 Who said they never ever had a problem buying a 2516 02:17:54.319 --> 02:17:57.639 gun and that if a background check is not passed, 2517 02:17:57.639 --> 02:17:58.639 they get their money back. 2518 02:17:59.399 --> 02:18:02.239 So there are a lot of people who say they 2519 02:18:02.280 --> 02:18:02.559 do that. 2520 02:18:03.079 --> 02:18:06.680 Deputy BO, tell me about this now. These people called 2521 02:18:06.879 --> 02:18:12.280 about a Buddha kidnapping. They said that the Hoa removed 2522 02:18:12.360 --> 02:18:15.360 her Buddha statue from outside her apartment door. By the way, 2523 02:18:15.920 --> 02:18:18.639 a lot of people have things outside their apartment doors, 2524 02:18:19.040 --> 02:18:22.840 little planters and other things, but her Buddha was taken. 2525 02:18:23.280 --> 02:18:26.040 What did you find out, Bo? This is Monique who called. 2526 02:18:26.879 --> 02:18:31.840 Yeah, Monique, she they did send her a couple of 2527 02:18:31.879 --> 02:18:35.959 notices about it. She did ignore it, and one day 2528 02:18:36.000 --> 02:18:39.879 she showed up and her little basketball sized Buddha was missing. 2529 02:18:41.079 --> 02:18:44.799 She called several times, they didn't return her call. And 2530 02:18:44.840 --> 02:18:47.239 then when she called last Thursday, I think a board 2531 02:18:47.280 --> 02:18:49.719 member or a maintenance man heard about it on the 2532 02:18:49.760 --> 02:18:53.680 air and went to the mechanical room and released a 2533 02:18:53.719 --> 02:18:55.520 Buddha act to her. 2534 02:18:56.280 --> 02:18:58.840 But she can't put it outside her house right. 2535 02:19:00.360 --> 02:19:04.479 Apparently. I've called the h O A Hammersmith four times 2536 02:19:04.840 --> 02:19:07.280 about it. I just wanted to ask if they were 2537 02:19:07.360 --> 02:19:10.079 to just allow her to keep it out on her porch. 2538 02:19:10.559 --> 02:19:12.680 They have not called me back. 2539 02:19:12.680 --> 02:19:13.360 All right, Nique. 2540 02:19:13.520 --> 02:19:16.079 They well, they let, they let planters and stuff, but 2541 02:19:16.159 --> 02:19:17.840 maybe they figure this is different. 2542 02:19:17.920 --> 02:19:20.280 I don't know, but thank you for checking that out. 2543 02:19:20.319 --> 02:19:21.000 We're out of time. 2544 02:19:21.079 --> 02:19:25.239 Don't forget Denver Shades dot Co. And they're good people. 2545 02:19:25.319 --> 02:19:27.639 Seventy zero four five eight six, five sixty six. And 2546 02:19:27.680 --> 02:19:30.559 remember three oh three Martino for help. Three O three 2547 02:19:30.680 --> 02:19:31.239 Martino