WEBVTT 1 00:00:00.280 --> 00:00:01.720 The Shooter's gonna help. 2 00:00:02.040 --> 00:00:09.000 Come man, this is the Troubleshooter Show. No Tom Martino, Hey. 3 00:00:09.240 --> 00:00:11.560 Tom Martino here, Welcome to the only show if it's 4 00:00:11.599 --> 00:00:14.240 kind of anywhere in the universe where we are solving problems, 5 00:00:14.279 --> 00:00:18.359 answering questions, taking complaints, making life just a little easier. 6 00:00:18.960 --> 00:00:21.239 A record setting forty five years on the air, the 7 00:00:21.280 --> 00:00:23.760 same show, still on the air, stame host. 8 00:00:24.800 --> 00:00:26.719 Who the hell knows how long we're gonna do it? 9 00:00:26.960 --> 00:00:30.559 But what's the alternative? Golf? Come on, people? You know 10 00:00:30.640 --> 00:00:33.039 I think about myself. I think about what I'd be 11 00:00:33.079 --> 00:00:35.640 doing if I wasn't doing radio. What the hell? I 12 00:00:35.640 --> 00:00:37.039 don't know if I'd be up to any good. 13 00:00:38.079 --> 00:00:41.520 I like fun, but you know, when you really love 14 00:00:42.200 --> 00:00:47.960 your work, there's really no differentia, a differentiation too fun 15 00:00:48.280 --> 00:00:48.880 and all of that. 16 00:00:49.359 --> 00:00:52.119 Hey, what's on your mind? And how can we help you? 17 00:00:52.159 --> 00:00:57.560 I asked that every single day, And what I was 18 00:00:57.719 --> 00:01:01.439 alluding to before was a master in the art of 19 00:01:01.600 --> 00:01:08.359 living draws no sharp distinction between his work and his play, 20 00:01:09.159 --> 00:01:14.680 his labor and his leisure, his mind and his body, 21 00:01:15.480 --> 00:01:18.159 his education and his recreation. 22 00:01:18.799 --> 00:01:22.640 He hardly knows which is which. 23 00:01:23.400 --> 00:01:27.519 He simply pursues his vision of excellence through whatever he's 24 00:01:27.560 --> 00:01:33.920 doing and leaves others to determine whether he's working or playing. 25 00:01:35.280 --> 00:01:37.920 Now, I read that to somebody one time, and they said, 26 00:01:38.040 --> 00:01:40.000 and by the way, if you see the white chat here, 27 00:01:40.040 --> 00:01:43.480 I have my buddy with me, Mark kunkled with probid 28 00:01:43.599 --> 00:01:49.400 energy dot com and other entrepreneurial pursuits. But anyway, somebody 29 00:01:49.599 --> 00:01:53.760 said to me Mark and companies listening, They said, I 30 00:01:53.879 --> 00:01:58.519 don't agree where that. I want to have my leisure time. 31 00:01:58.640 --> 00:02:02.560 I want my down time, and then you know, and 32 00:02:02.560 --> 00:02:06.159 then I want my work time. And I but I said, 33 00:02:06.239 --> 00:02:07.640 I'm not disagreeing with that. 34 00:02:07.680 --> 00:02:11.159 What I'm saying is if you make no distinctions and 35 00:02:11.199 --> 00:02:16.879 you enjoy stuff and pursue passions, there there really isn't 36 00:02:17.039 --> 00:02:18.199 much of a distinction. 37 00:02:18.319 --> 00:02:21.120 And I really mean that. Oh come on, every once 38 00:02:21.120 --> 00:02:22.560 in a while you might say I don't want to 39 00:02:22.560 --> 00:02:23.960 get up today, I don't want to do this, I 40 00:02:23.960 --> 00:02:24.680 don't want to do that. 41 00:02:25.439 --> 00:02:30.960 But in reality, I think people can tell when people 42 00:02:31.159 --> 00:02:34.479 love what they're doing. Now I have a text here 43 00:02:34.520 --> 00:02:38.000 that just says, Tom, yes it's me. Because people can't 44 00:02:38.039 --> 00:02:41.599 believe I gave out my personal Google number, which forwards 45 00:02:41.599 --> 00:02:45.280 to my cell phone, and here it is seven four 46 00:02:45.319 --> 00:02:50.159 seven nine nine eighty. That's my person that's forwarded to myself. 47 00:02:50.199 --> 00:02:53.479 So I get these texts, and I've been solving a 48 00:02:53.479 --> 00:02:55.759 lot of problems off the air, so or getting you 49 00:02:55.800 --> 00:02:59.120 on the air. Now, Carrie, welcome to the show. You're 50 00:02:59.199 --> 00:03:01.719 on with Mark. 51 00:03:01.479 --> 00:03:05.599 And Tom and and since Mark's a smart fella or 52 00:03:05.639 --> 00:03:08.800 a fart smeller whatever, a far smart fella, I'm going 53 00:03:08.919 --> 00:03:12.199 to ask him the chime in on other stuff. But yeah, 54 00:03:12.280 --> 00:03:14.199 you said you might have come across a scam. I 55 00:03:14.240 --> 00:03:18.039 think you you wanted to talk about this. Are you 56 00:03:18.080 --> 00:03:20.080 the one that called toward the end yesterday? But anyway, 57 00:03:20.479 --> 00:03:22.599 what is this scam? You? What is this scam you 58 00:03:22.639 --> 00:03:23.479 think you came across? 59 00:03:23.560 --> 00:03:27.240 Carry Well, I'm just asking your advice. I saw a 60 00:03:27.479 --> 00:03:32.879 bill from a company called Transworld Systems, Inc. For a 61 00:03:33.080 --> 00:03:35.400 bill with T Mobile phone? 62 00:03:36.199 --> 00:03:40.960 Now what is what is trans World What is it system? 63 00:03:41.000 --> 00:03:44.319 I don't have any idea, Okay, he says, trans World 64 00:03:44.439 --> 00:03:47.319 system Inc. Is the collection company? 65 00:03:47.360 --> 00:03:52.360 Now is it system Singular? Oh that's a collection agency? Okay, 66 00:03:53.199 --> 00:03:55.919 So in the trans World system and what are they 67 00:03:55.960 --> 00:03:56.800 collecting for. 68 00:03:58.439 --> 00:03:59.080 T Mobile? 69 00:04:00.159 --> 00:04:01.919 Now? What do they say you owe for? 70 00:04:03.800 --> 00:04:05.919 Doesn't but how do. 71 00:04:05.879 --> 00:04:08.280 You know Okay, wait, wait, wait, wait, you know it's 72 00:04:08.280 --> 00:04:10.680 for T Mobile, so it must be they must say something. 73 00:04:12.000 --> 00:04:12.319 Nope. 74 00:04:12.360 --> 00:04:16.279 It gives an account number, says I own three. 75 00:04:16.360 --> 00:04:21.000 Does it say T Mobile? Does it say T Mobile? Yes? 76 00:04:21.079 --> 00:04:25.759 You okay had and T Mobile account and it gives 77 00:04:25.759 --> 00:04:26.879 an account number. 78 00:04:27.040 --> 00:04:29.680 Okay. Does it say does it say when you had 79 00:04:29.800 --> 00:04:30.480 the account? 80 00:04:31.480 --> 00:04:31.560 No? 81 00:04:32.519 --> 00:04:33.879 Did you have the account? 82 00:04:34.879 --> 00:04:38.160 No, You've never had a T Mobile account? 83 00:04:39.160 --> 00:04:39.399 Nope. 84 00:04:39.439 --> 00:04:43.319 I've been with three companies in my lifetime, right, so why. 85 00:04:43.199 --> 00:04:46.000 Don't you just throw that notice out? It's called a 86 00:04:46.040 --> 00:04:51.959 shotgun approach. That's what it's called a shotgun approach. They 87 00:04:52.000 --> 00:04:53.360 have somebody with a similar name. 88 00:04:53.399 --> 00:04:53.839 Possibly. 89 00:04:54.800 --> 00:04:57.879 No one can collect anything from you until they take 90 00:04:57.920 --> 00:05:01.279 you to court, so the own So if they ever 91 00:05:01.360 --> 00:05:02.920 serve you to go to court, you show up and 92 00:05:02.959 --> 00:05:03.600 say it's not me. 93 00:05:04.079 --> 00:05:07.439 I mean, if you're confident you never had it, forget it. 94 00:05:07.759 --> 00:05:10.639 I would not even waste I don't even waste a 95 00:05:10.680 --> 00:05:13.680 breath on this stuff. When people tell me I've gotten 96 00:05:13.680 --> 00:05:16.519 notices like that where they either got me mixed up 97 00:05:16.600 --> 00:05:18.720 or they're trying to resurrect something that was in my 98 00:05:18.839 --> 00:05:20.759 past that I don't even remember. 99 00:05:20.800 --> 00:05:22.279 I said, you know what, take me to court. 100 00:05:22.560 --> 00:05:26.879 That's what I say, Yeah, because if I legitimately, if 101 00:05:26.920 --> 00:05:31.800 I legitimately owe something, I'm going to pay it. Now, 102 00:05:32.560 --> 00:05:37.079 let me tell people some of the other possibilities. When 103 00:05:37.120 --> 00:05:40.720 you get notices and it lacks detail. Thank you for 104 00:05:40.759 --> 00:05:44.639 calling carry, I would throw it away. Now here are some. 105 00:05:44.560 --> 00:05:46.319 Of the possibilities. 106 00:05:47.839 --> 00:05:51.920 The collectors sometimes go into a company and they say, 107 00:05:52.639 --> 00:05:55.079 I'm going to buy your collectibles. 108 00:05:55.759 --> 00:05:55.959 Now. 109 00:05:56.000 --> 00:06:00.199 They pay pretty good money for things thirty days past due, 110 00:06:00.680 --> 00:06:04.480 so sometimes people don't sell those. Then they pay less 111 00:06:04.480 --> 00:06:08.240 money for sixty days, and even less money for ninety 112 00:06:08.319 --> 00:06:11.199 days or one hundred and twenty days or a year 113 00:06:11.639 --> 00:06:14.399 or two years. When it goes up to three and 114 00:06:14.439 --> 00:06:17.600 four and five, they pay less. And then when they 115 00:06:17.639 --> 00:06:21.639 buy a bundle of collectibles, they then have the authority 116 00:06:21.639 --> 00:06:24.600 to collect or maybe they do right if they do 117 00:06:24.639 --> 00:06:29.199 it properly. But really what happens is this is really 118 00:06:29.279 --> 00:06:34.439 important that you know this. They are also getting stuff 119 00:06:34.480 --> 00:06:38.319 that's six years old and older, and they get that 120 00:06:38.399 --> 00:06:38.800 like free. 121 00:06:38.839 --> 00:06:40.399 They just give them everything. 122 00:06:41.120 --> 00:06:45.120 Now, this company will put some lackeys on the six 123 00:06:45.199 --> 00:06:50.160 years and older and had them send out notices. And 124 00:06:50.199 --> 00:06:54.040 what they say is Hey, you had a bill and 125 00:06:54.079 --> 00:06:56.079 you owe us money. 126 00:06:56.439 --> 00:06:58.279 Technically, you still owe them money. 127 00:06:58.399 --> 00:07:03.639 Technically, though in Colorado and many other states, depending on 128 00:07:03.680 --> 00:07:07.959 the state, six years is the cutoff forgetting a judgment, 129 00:07:08.759 --> 00:07:12.600 so there's no legal teeth in a bill. In fact, 130 00:07:12.759 --> 00:07:17.759 they virtually can't collect it. But technically you still owe it. 131 00:07:18.560 --> 00:07:21.040 I mean, if I loaned you one hundred dollars and 132 00:07:21.199 --> 00:07:23.160 six years went by, you still owe me the money. 133 00:07:23.800 --> 00:07:25.839 I couldn't do anything about it. But you still owe 134 00:07:25.879 --> 00:07:26.759 me the money. 135 00:07:27.000 --> 00:07:31.759 So what do they do. They have a number of tricks. 136 00:07:32.399 --> 00:07:33.160 One they can. 137 00:07:33.040 --> 00:07:37.120 Say, you know, you owe us the money. It's a 138 00:07:37.199 --> 00:07:41.480 legitimate debt. Let's make it go away. Let's settle it. 139 00:07:43.439 --> 00:07:47.600 Give us so much, twenty five dollars, maybe something small enough. 140 00:07:47.600 --> 00:07:51.519 You might say, okay, But they don't really send you 141 00:07:51.560 --> 00:07:54.920 a receipt. They just send you a receipt for payment, 142 00:07:57.360 --> 00:08:01.759 or they say just make a payment of a few 143 00:08:01.800 --> 00:08:03.079 bucks a month. 144 00:08:03.560 --> 00:08:03.959 Whatever. 145 00:08:04.399 --> 00:08:10.959 What they've done is taken an expired debt and they 146 00:08:11.079 --> 00:08:14.319 converted it to an active debt. And now that six 147 00:08:14.439 --> 00:08:20.079 years starts counting again, They've just tricked you. They've just 148 00:08:20.639 --> 00:08:27.480 resurrected that debt. That's why it's called credit or collection ghosting. 149 00:08:29.160 --> 00:08:33.159 So if you get old debts like that, forget them, 150 00:08:33.200 --> 00:08:36.960 don't respond, don't do anything. If you get more recent debts, 151 00:08:37.639 --> 00:08:41.320 make them document everything. If you think it's not you 152 00:08:42.159 --> 00:08:44.720 don't respond or do anything at all. 153 00:08:45.120 --> 00:08:46.799 Well, Tom, I've got a quick a question here about 154 00:08:46.799 --> 00:08:49.960 that though, because I think Tea Mobile merged with Sprint 155 00:08:50.039 --> 00:08:52.279 a year or two ago, So maybe it could be 156 00:08:52.320 --> 00:08:55.360 an old Sprint bill for carry here. 157 00:08:55.440 --> 00:08:58.840 Maybe could be if he had Sprint, if you had Sprint. 158 00:08:58.919 --> 00:09:03.279 Yes, yeah, that's a good point, because when companies merge, 159 00:09:04.639 --> 00:09:09.080 they often take the authority to collect old debts, So. 160 00:09:09.039 --> 00:09:09.639 It could be. 161 00:09:09.960 --> 00:09:14.120 It could be, but most of the time companies don't 162 00:09:14.159 --> 00:09:18.039 do that. And the reason they don't assume collectibles is 163 00:09:18.080 --> 00:09:20.039 because they would have to assume pables. 164 00:09:21.120 --> 00:09:23.519 I have a new way to get out of collection, Tom, 165 00:09:24.039 --> 00:09:24.519 what is that? 166 00:09:24.600 --> 00:09:29.879 Remember, guest, Today someone called about a problem with Elite Dental. Yeah, well, 167 00:09:29.879 --> 00:09:33.639 he spoke to Elite Dental and about getting his medical 168 00:09:33.679 --> 00:09:37.320 records and he found a new way to avoid collections. 169 00:09:37.600 --> 00:09:40.559 When they called him about it, he said, you can't 170 00:09:40.559 --> 00:09:44.480 collect I'm dead. So I guess the death is a 171 00:09:44.480 --> 00:09:45.919 decent way to get out of collections. 172 00:09:45.960 --> 00:09:48.799 Wait, but he told him and they believed that he 173 00:09:48.879 --> 00:09:51.279 was dead. No, no, no, I mean I believe if 174 00:09:51.320 --> 00:09:51.879 you told me that. 175 00:09:52.000 --> 00:09:54.440 But no, he said, you can't collect I'm dead and 176 00:09:54.519 --> 00:09:54.919 hung up. 177 00:09:55.480 --> 00:09:58.840 Okay, that's fun. Now, by the way, that was the 178 00:09:58.919 --> 00:10:02.200 dental office said we're not releasing hold on. 179 00:10:02.320 --> 00:10:05.039 Let me tell people, we're not releasing records because you 180 00:10:05.080 --> 00:10:07.360 owe us money. And I looked at the state law 181 00:10:07.519 --> 00:10:09.200 and the federal and they can't do that. 182 00:10:09.279 --> 00:10:11.279 Oh yeah, I knew that. So I spoke to them 183 00:10:11.679 --> 00:10:12.879 and that doc. You wouldn't know that. 184 00:10:13.039 --> 00:10:15.320 That's when they told me about his saying that he's dead. 185 00:10:15.799 --> 00:10:18.679 So he's going to go pick up his record. Somehow 186 00:10:18.679 --> 00:10:21.279 we got resurrected and then we'll take it from there. 187 00:10:22.120 --> 00:10:23.039 Thank you very much. 188 00:10:23.679 --> 00:10:26.360 So people, if you're told you can't get medical records 189 00:10:26.360 --> 00:10:29.600 because you owe money, that's not true. You can get 190 00:10:29.639 --> 00:10:35.039 medical records now. I'm Tom Martine Waterpros dot net. The 191 00:10:35.080 --> 00:10:38.559 best water systems bar none, at the lowest price ever. 192 00:10:38.960 --> 00:10:41.919 I have their triple filter reverse osmosis for drinking. 193 00:10:43.320 --> 00:10:46.080 Maren't put in a whole system to lead. Put in 194 00:10:46.080 --> 00:10:50.120 a whole system. The best prices and the best systems. 195 00:10:50.720 --> 00:10:54.600 Plumbers can't come close their triple or quadruple the price 196 00:10:54.759 --> 00:10:58.120 three h three eight six two five five five four 197 00:10:58.399 --> 00:11:08.000 Waterpros dot net go with a sure thing Denver's best 198 00:11:08.080 --> 00:11:10.960 roofer Excel Roofing dot com. You don't pay a cent 199 00:11:11.159 --> 00:11:17.200 until you're content. Time for an insurance check up free, 200 00:11:17.279 --> 00:11:20.960 no obligation. In comparison, call Compass Insurance paying too much 201 00:11:21.159 --> 00:11:24.080 your coverage at dozens of insurance companies find out now 202 00:11:24.159 --> 00:11:26.440 three O three seven to seven to one help. You'll 203 00:11:26.440 --> 00:11:29.200 think you're his only customer when you choose Frank durand 204 00:11:29.200 --> 00:11:31.679 the real estate Man dot com to list your home 205 00:11:31.879 --> 00:11:37.360 with Remax Alliance three three nine two zero sixteen twenty two. 206 00:11:37.960 --> 00:11:41.000 I got a text wanting to price out a Camaro 207 00:11:41.480 --> 00:11:42.879 and eighty six at eighty. 208 00:11:42.759 --> 00:11:47.320 Thousand miles And uh, it's pretty interesting. 209 00:11:48.039 --> 00:11:49.679 What do you think that would go for? I can 210 00:11:49.679 --> 00:11:52.279 tell them I think I know what it will go for. 211 00:11:54.279 --> 00:11:56.879 I'm gonna wait to hear from you, guys. Eighty six 212 00:11:57.440 --> 00:12:01.879 Chevy Camaro, pretty decent, you sent some photos. You just 213 00:12:01.960 --> 00:12:07.039 texted me on my Google Voice miles eighty thousand miles. 214 00:12:07.279 --> 00:12:07.919 Wow. 215 00:12:08.840 --> 00:12:13.240 Anyway, it's seven four seven nine fifty two eighties my number. 216 00:12:14.600 --> 00:12:22.720 Now we were talking to about this collection. Notice somebody 217 00:12:22.720 --> 00:12:25.519 else says they got one too. I'm pretty sure they're 218 00:12:25.519 --> 00:12:27.879 trying to resurrect old debt. 219 00:12:28.320 --> 00:12:29.279 But here's the point. 220 00:12:29.519 --> 00:12:33.679 Okay, you don't have to respond. If it's not your bill, 221 00:12:33.879 --> 00:12:35.559 you can just ignore it. Now, people say, what about 222 00:12:35.639 --> 00:12:40.639 ruining my credit? You know, people can put a credit 223 00:12:40.679 --> 00:12:43.559 report on your credit report that's invalid. 224 00:12:43.919 --> 00:12:46.559 Now they risk being sued for slander of credit. 225 00:12:46.679 --> 00:12:51.759 Unfortunately that takes some legal work, but a good attorney 226 00:12:51.799 --> 00:12:52.799 can get their fees on that. 227 00:12:54.240 --> 00:12:55.240 I would look into it. 228 00:12:55.279 --> 00:12:59.840 I wish I had an attorney that specializes in slander 229 00:12:59.879 --> 00:13:03.600 of credit because slander of credit is something that happens 230 00:13:04.320 --> 00:13:06.559 all the time. In fact, I'm going to write it 231 00:13:06.600 --> 00:13:09.919 down because I'm going to post something on this. You know, 232 00:13:09.960 --> 00:13:12.799 who does the most slander of credit? Who would you think? 233 00:13:13.360 --> 00:13:15.960 To give me a guess here, who do you think, Mark? 234 00:13:16.000 --> 00:13:19.480 Who do you think slanders people's credit more than anyone? 235 00:13:19.919 --> 00:13:20.559 If you had to. 236 00:13:20.519 --> 00:13:24.480 Guess medical community? 237 00:13:25.039 --> 00:13:33.000 No, No, I'll tell you who. Landlords. Now here's why landlords. 238 00:13:33.600 --> 00:13:38.159 Let's say you move out of a place and they 239 00:13:38.240 --> 00:13:43.039 say you destroyed a carpet and you say. 240 00:13:43.559 --> 00:13:46.080 No, I didn't. The carpet was bad. 241 00:13:48.480 --> 00:13:53.600 So they say no, it wasn't right, and they say 242 00:13:53.639 --> 00:13:57.200 you owe us. Now that's one example. Here's another example. 243 00:13:57.240 --> 00:13:59.279 I'm going to give you two examples. And now in 244 00:13:59.320 --> 00:14:01.879 that example, so if you don't pay it, remember there 245 00:14:01.960 --> 00:14:05.240 wasn't a judgment. They didn't take you to court. They 246 00:14:05.360 --> 00:14:09.679 simply put a ding on your credit. You can't rent, 247 00:14:09.720 --> 00:14:12.480 you can't do anything, you can't even buy until you 248 00:14:12.519 --> 00:14:15.879 clear it up. That's credit blackmail or slander of credit. 249 00:14:16.639 --> 00:14:21.279 Now what's the next thing. Okay, we had a case, 250 00:14:21.480 --> 00:14:24.240 a real case. Back in the day. Yellow cab was 251 00:14:24.279 --> 00:14:26.720 a thing. I don't know if they still here. Okay, Now, 252 00:14:27.240 --> 00:14:29.639 yellow cab got into an accident in a parking lot 253 00:14:29.679 --> 00:14:30.159 with a woman. 254 00:14:30.799 --> 00:14:31.519 They hit her. 255 00:14:31.639 --> 00:14:36.679 According to her, they sent her a bill for fixing 256 00:14:36.720 --> 00:14:41.559 the cab. Now, she was about to take them to 257 00:14:41.639 --> 00:14:46.360 court because they hit her and she wanted them. She 258 00:14:46.480 --> 00:14:50.240 wanted them to pay for her car. She had a 259 00:14:50.279 --> 00:14:55.600 witness that said they were at fall. So here's what happened. 260 00:14:55.840 --> 00:14:59.519 They sent her a bill. When she didn't pay the bill, 261 00:15:00.080 --> 00:15:02.519 they slandered her credit, saying she didn't pay a bill. 262 00:15:02.960 --> 00:15:03.480 What bill? 263 00:15:04.000 --> 00:15:06.200 It was an accusation. It wasn't a bill, it was 264 00:15:06.279 --> 00:15:08.519 a collection. It wasn't a bill. It was something that 265 00:15:08.840 --> 00:15:11.799 they said she owed. They didn't prove she owed. So 266 00:15:11.879 --> 00:15:16.919 what did they do? They slandered her credit. We got 267 00:15:16.960 --> 00:15:18.399 that one taken care of. 268 00:15:18.440 --> 00:15:20.720 That was years ago. I think the woman's name was Linda. 269 00:15:21.399 --> 00:15:25.080 But the point is this, just because someone says you 270 00:15:25.200 --> 00:15:28.039 owe money doesn't mean you owe the money. A judgment 271 00:15:28.120 --> 00:15:31.519 determines if you owe the money or a contract, and 272 00:15:31.559 --> 00:15:36.000 that you can prove in court. But when someone threatens 273 00:15:36.039 --> 00:15:39.159 you with slander of credit, that's where I want an attorney. 274 00:15:39.600 --> 00:15:42.679 We have had attorneys that they've done it from time 275 00:15:42.720 --> 00:15:47.480 to time, but we've never had anyone consistent. And there's 276 00:15:47.559 --> 00:15:50.960 so much credit blackmail going on and slander of credit 277 00:15:51.679 --> 00:15:53.879 that I would love to get an attorney who would 278 00:15:53.879 --> 00:15:54.759 take these cases. 279 00:15:55.120 --> 00:15:58.159 How about this Tom, I've got a son, he's at college. 280 00:15:58.200 --> 00:16:00.759 We've talked about it in the It's that you know, 281 00:16:00.799 --> 00:16:03.559 we've rented an apartment form and they go, don't you're 282 00:16:03.600 --> 00:16:06.480 never going to get your deposits back. It's like the 283 00:16:06.559 --> 00:16:10.720 landlords purposely hold the deposits and these right, I can 284 00:16:10.759 --> 00:16:13.519 attest we clean that place like it was brand new. 285 00:16:13.440 --> 00:16:16.159 I know, and some landlords figure done. 286 00:16:16.279 --> 00:16:20.440 Some landlords take it almost as a transition fee right now, 287 00:16:20.480 --> 00:16:22.840 if they said that, by the way, they can do 288 00:16:22.919 --> 00:16:24.399 that if it's in the least. But if they call 289 00:16:24.440 --> 00:16:28.279 it a security deposit, that's exactly what it is. Damage deposit, 290 00:16:28.360 --> 00:16:33.000 security deposit, cleaning deposit. Sometimes it's all three of those, security, cleaning, 291 00:16:33.120 --> 00:16:34.919 and damage. 292 00:16:36.240 --> 00:16:36.879 It has to be. 293 00:16:37.120 --> 00:16:40.159 Can't be normal wear and tear even Yeah, so what 294 00:16:40.159 --> 00:16:42.480 do you do you take in the court? Now, each 295 00:16:42.559 --> 00:16:45.080 law is different. In Colorado, you consume for triple the amount. 296 00:16:45.600 --> 00:16:46.879 But if you lose, you lose. 297 00:16:46.919 --> 00:16:47.679 If you win, you win. 298 00:16:47.759 --> 00:16:53.639 But landlords, you know, and it's getting better for tenants 299 00:16:53.720 --> 00:16:55.799 to a point where some landlords are selling. They don't 300 00:16:55.799 --> 00:16:58.320 want to be landlords anymore because they say it's too 301 00:16:58.360 --> 00:16:59.480 difficult to be a landlord. 302 00:17:00.399 --> 00:17:02.679 It's all a matter of perspective. It is difficult. 303 00:17:03.240 --> 00:17:06.200 But also a lot of renters, especially college kids and 304 00:17:06.279 --> 00:17:11.039 younger people, they get taken advantage of. So it is 305 00:17:11.200 --> 00:17:15.079 almost a given that your security deposit is going to 306 00:17:15.119 --> 00:17:19.599 go away in many cases, and landlords have a habit 307 00:17:19.640 --> 00:17:22.640 of doing it without justifying it, or they have the 308 00:17:22.680 --> 00:17:26.079 same problem that they've charged the last three tenants for 309 00:17:26.880 --> 00:17:27.839 a gash in the wall. 310 00:17:28.319 --> 00:17:30.799 I mean, that's why I'm going to tell you how 311 00:17:30.839 --> 00:17:31.680 to protect yourself. 312 00:17:32.480 --> 00:17:40.279 A move in checklist, and you have a representative of 313 00:17:40.319 --> 00:17:42.079 the landlord or the landlord or. 314 00:17:42.079 --> 00:17:43.519 The management company sign it. 315 00:17:43.759 --> 00:17:46.160 You tell them this is to protect both of us. 316 00:17:46.799 --> 00:17:48.920 If there's a gash in the wall, you better note it. 317 00:17:49.200 --> 00:17:51.200 Now there's no damage, that's not a big deal, but 318 00:17:51.240 --> 00:17:58.200 you better better note damages. Then you want a move 319 00:17:58.599 --> 00:18:02.200 out check Now they say just leave the keys, or 320 00:18:02.240 --> 00:18:02.960 do this or do that? 321 00:18:03.039 --> 00:18:03.559 No, no, no. 322 00:18:03.640 --> 00:18:07.440 You know how many times people have left an apartment 323 00:18:07.880 --> 00:18:10.039 then been notified of a problem. 324 00:18:10.240 --> 00:18:15.039 Don't you want? And in fact, in the beginning. 325 00:18:14.519 --> 00:18:17.799 You should set that out saying, look, I'm a responsible 326 00:18:17.839 --> 00:18:22.920 renter and I believe in paying for what I do 327 00:18:23.720 --> 00:18:28.440 and not paying for what I don't do. So what 328 00:18:28.480 --> 00:18:30.799 you do is say I would like a move in 329 00:18:31.279 --> 00:18:34.640 and move out checklist before I sign my lease, and make. 330 00:18:34.519 --> 00:18:35.480 It part of your agreement. 331 00:18:35.759 --> 00:18:39.720 Now, if a landlord is hesitant, you better be really careful. 332 00:18:40.039 --> 00:18:42.680 If a management company says, no, we don't like that. 333 00:18:43.039 --> 00:18:45.759 I mean what management company would not like that? Right 334 00:18:46.119 --> 00:18:49.359 protects everyone, that's right. So you would have to have 335 00:18:49.599 --> 00:18:52.000 one hell of a good reason to not do that. Now, 336 00:18:52.200 --> 00:18:55.960 if they say something like this, well that's not procedure, 337 00:18:56.680 --> 00:19:00.640 I'll go to hell. It's not procedure. It should be procedure, 338 00:19:01.039 --> 00:19:05.839 you know. Uh, And or we don't do that. You know, 339 00:19:05.880 --> 00:19:08.559 there's no such thing. I call that the god syndrome. 340 00:19:09.200 --> 00:19:11.640 The god syndrome I used to have a sound effect. 341 00:19:11.759 --> 00:19:16.000 Anyway, don't take that. That's not true. 342 00:19:16.480 --> 00:19:19.720 You get to dictate terms and conditions just as much 343 00:19:19.799 --> 00:19:20.400 as they do. 344 00:19:21.000 --> 00:19:23.119 In fact, you can remind them of that. 345 00:19:23.240 --> 00:19:26.160 Say, look, you know you don't have to do it, 346 00:19:26.680 --> 00:19:30.559 but technically, if all of your contracts are one way, 347 00:19:31.359 --> 00:19:33.960 they're construed against you, you might want to. 348 00:19:33.960 --> 00:19:34.359 Tell them that. 349 00:19:35.200 --> 00:19:38.599 I'm Tom Martinez three oh three seven one three talks 350 00:19:38.640 --> 00:19:40.599 seven one three eight two five five. 351 00:19:40.640 --> 00:19:42.400 If you have a problem question, you can plank give 352 00:19:42.440 --> 00:19:42.920 us a call. 353 00:19:43.359 --> 00:19:48.240 A lot of useful information on this station and on 354 00:19:48.319 --> 00:19:50.200 this show. And by the way, one of the things 355 00:19:51.000 --> 00:19:54.279 a great information. One of the items Frank Duran, the 356 00:19:54.400 --> 00:19:58.279 real estate man dot com. He will tell you what 357 00:19:58.400 --> 00:20:01.680 your house will sell for free of charge. 358 00:20:01.799 --> 00:20:03.079 No obligation to list. 359 00:20:03.559 --> 00:20:06.960 You might be curious before you list, and instead of 360 00:20:07.039 --> 00:20:08.640 like getting the high pressure. 361 00:20:08.720 --> 00:20:09.319 Call Frank. 362 00:20:09.720 --> 00:20:13.039 He'll go over all the elements of the market, the neighborhood, 363 00:20:13.079 --> 00:20:17.359 the house, supply and demand, all the factors and give 364 00:20:17.400 --> 00:20:19.680 you an idea of what you will net on that house. 365 00:20:20.480 --> 00:20:30.839 Three oh three nine two zero sixteen twenty two. 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You'll think you're his only 372 00:20:52.160 --> 00:20:54.640 customer when you choose Frank durand the real estate Man 373 00:20:54.680 --> 00:20:58.039 dot com to list your home with Remax Alliance three 374 00:20:58.119 --> 00:21:07.200 oh three nine two zero sixteen twenty to. 375 00:21:03.799 --> 00:21:07.440 Hi, Tom Rchino, your troubleshooter three all three seven one 376 00:21:07.559 --> 00:21:10.200 three talk three all three seven one three eight two 377 00:21:10.319 --> 00:21:10.960 five five. 378 00:21:12.039 --> 00:21:15.920 Welcome to the show, and I want to bring up 379 00:21:15.920 --> 00:21:18.839 Claudia and Brad O'Brien. Brad O'Brien is a real estate 380 00:21:18.880 --> 00:21:20.839 attorney real estate law firm. 381 00:21:20.839 --> 00:21:22.039 They handle everything real estate. 382 00:21:22.079 --> 00:21:28.000 We often use him as our expert olslaw dot com. Brad, 383 00:21:28.240 --> 00:21:30.400 I'm finding it difficult to believe part of the story. 384 00:21:30.480 --> 00:21:33.200 No, I don't think she's lying. I just find it difficult. 385 00:21:33.200 --> 00:21:34.880 But I want to run it by you and just 386 00:21:34.880 --> 00:21:37.519 get your impressions overall, and maybe. 387 00:21:37.279 --> 00:21:40.920 A reaction to this. Claudia says she bought a home, 388 00:21:42.519 --> 00:21:47.839 and she bought a home, she said without how long 389 00:21:47.839 --> 00:21:49.759 ago'd you buy a Claudia, That's the only thing I 390 00:21:49.759 --> 00:21:50.440 didn't put down. 391 00:21:51.720 --> 00:21:54.640 I started the process February twentieth. 392 00:21:55.119 --> 00:21:57.319 In February. Okay, well when did you close? 393 00:21:59.240 --> 00:21:59.519 March? 394 00:22:00.480 --> 00:22:01.440 Okay, it's so March. 395 00:22:01.480 --> 00:22:05.079 Basically, see, you bought a home in March without she 396 00:22:05.119 --> 00:22:13.559 Here's what she says, Brad, without an appraisal, without a survey, 397 00:22:15.079 --> 00:22:18.559 Yet she had a home loan, which I don't understand. 398 00:22:18.640 --> 00:22:22.400 I've never heard of a lender ever ever. 399 00:22:22.960 --> 00:22:25.720 I mean, and I've done real estate out the nose, 400 00:22:25.839 --> 00:22:29.440 millions of dollars in real estate and taken hundreds of 401 00:22:29.599 --> 00:22:32.319 hundreds of real estate calls over the years. I've never 402 00:22:32.400 --> 00:22:38.799 recalled a bank closing on a mortgage where the house 403 00:22:38.960 --> 00:22:43.200 is the primary security, a first called a first date 404 00:22:43.279 --> 00:22:46.640 of trust without an appraisal or a survey, but she 405 00:22:46.880 --> 00:22:48.480 said she never got one. 406 00:22:49.960 --> 00:22:54.720 I've waved the appraisal, but you, okay, it's not up 407 00:22:54.920 --> 00:22:57.839 to you to waive the appraisal. 408 00:22:58.400 --> 00:23:00.960 Here's what I mean, Claudia, you're the one at risk 409 00:23:01.720 --> 00:23:04.799 with the appraisal. The lender is the one at risk 410 00:23:05.039 --> 00:23:07.200 if the lender is loaning you money. 411 00:23:07.519 --> 00:23:11.160 Did you put down fifty percent on that? How much 412 00:23:11.200 --> 00:23:13.119 did you put down on this house? Maybe I should 413 00:23:13.160 --> 00:23:15.400 ask that to sixty five? 414 00:23:16.119 --> 00:23:18.279 On how much of a purchase you put down to 415 00:23:18.480 --> 00:23:23.200 sixty five? Okay, there it is, there, it is okay. 416 00:23:23.599 --> 00:23:27.480 I think I think I know why they waived. They 417 00:23:27.960 --> 00:23:32.359 waived the appraisal. You put down more than fifty percent. 418 00:23:32.680 --> 00:23:36.200 Maybe that's why they were they were relaxed. Maybe that's 419 00:23:36.240 --> 00:23:40.680 why yoh so much equity. She put down more than 420 00:23:40.680 --> 00:23:43.799 fifty percent on the damn thing. So I'm sorry, Claudia. 421 00:23:43.960 --> 00:23:46.400 Maybe that's a factor. Before we go on with the 422 00:23:46.440 --> 00:23:50.319 problem itself, I want to ask Brad, Brad, do you 423 00:23:50.440 --> 00:23:53.640 think that's why the bank did not demand an appraisal 424 00:23:53.759 --> 00:23:56.039 or a survey because she put down that much? 425 00:23:57.000 --> 00:23:59.640 I just I don't know, because I would think that 426 00:24:00.160 --> 00:24:04.319 banks have to meet lending criteria which includes at lisa 427 00:24:04.519 --> 00:24:09.599 appraisal or an improvement location certificate for the survey because 428 00:24:09.599 --> 00:24:11.599 they have family, May and Freddie may have family and 429 00:24:11.640 --> 00:24:13.119 Freddy you know, Sander. 430 00:24:13.240 --> 00:24:16.400 So you think they even with that, they would probably 431 00:24:16.480 --> 00:24:17.759 want Yeah. 432 00:24:18.599 --> 00:24:23.519 I've never I've never heard of a bank waving an appraisal. 433 00:24:23.279 --> 00:24:26.200 On a mortgageline. They did. 434 00:24:26.839 --> 00:24:27.279 They let me. 435 00:24:28.480 --> 00:24:30.720 This is the second house I had made an offer 436 00:24:30.799 --> 00:24:34.920 on and I had gone through the expenditure of you know, 437 00:24:35.079 --> 00:24:38.640 the inspector, the raid on the sewer camera, all of that, 438 00:24:39.400 --> 00:24:42.119 and I was having to do it again, and but no, 439 00:24:42.559 --> 00:24:46.559 they let me wave it to save many I'm a 440 00:24:46.640 --> 00:24:47.720 disabled senior. 441 00:24:48.920 --> 00:24:53.519 Okay again again, it doesn't matter if you wave it. Okay, 442 00:24:53.640 --> 00:24:55.000 that's not what we're talking about. 443 00:24:55.599 --> 00:24:57.559 You are not in the position, Okay. 444 00:24:57.880 --> 00:25:00.160 What I mean is this is that when I I'm 445 00:25:00.200 --> 00:25:04.599 loaning you money and I am taking the security as collateral, 446 00:25:05.079 --> 00:25:09.640 I'm the one who cares is it worth what you're paying? 447 00:25:10.119 --> 00:25:13.319 I'm the one who cares. Is it on the lot 448 00:25:13.480 --> 00:25:16.559 it says it's on? Are there any encroachments? 449 00:25:16.799 --> 00:25:20.759 Will I have a problem if I need to foreclose now? 450 00:25:21.000 --> 00:25:22.039 Possibly? Brad? 451 00:25:22.799 --> 00:25:25.000 I mean you're saying, Brad, what if it was a 452 00:25:25.039 --> 00:25:28.119 private loan, maybe, I mean, it doesn't have to go 453 00:25:28.160 --> 00:25:32.519 by those guidelines, right, Brad, who is your lender? 454 00:25:32.599 --> 00:25:35.119 Did you say advantage home loan? 455 00:25:35.920 --> 00:25:38.799 Advantage home loans? Was it a private loan? Do you know? 456 00:25:39.960 --> 00:25:40.720 I don't know. 457 00:25:42.000 --> 00:25:46.519 Okay, So here's the thing, right now, you still owe 458 00:25:46.559 --> 00:25:48.759 money on this home, right correct? 459 00:25:49.200 --> 00:25:49.519 Okay? 460 00:25:49.880 --> 00:25:52.799 Now, she said, Now here's the real problem, Brad. And 461 00:25:52.839 --> 00:25:56.599 again the reason I asked about the bank for the 462 00:25:56.640 --> 00:25:58.720 appraisal and all that that would have all come up 463 00:25:59.200 --> 00:26:03.799 on the survey. But she says, four weeks after moving in, 464 00:26:03.960 --> 00:26:06.400 she found out she couldn't plant trees and do things 465 00:26:06.400 --> 00:26:10.079 she wanted to because I believe two sides of your 466 00:26:10.119 --> 00:26:14.599 home have a massive easement that encroach, not encroached, but 467 00:26:14.680 --> 00:26:17.119 that come onto her property by. 468 00:26:17.000 --> 00:26:18.680 Twenty feet one side. 469 00:26:19.279 --> 00:26:23.400 Oh only one side twenty feet but it doesn'troach. 470 00:26:23.599 --> 00:26:27.960 It's okay, I got it, and you knew that was there. 471 00:26:28.039 --> 00:26:30.480 But the one on one side of her house is 472 00:26:30.559 --> 00:26:34.839 twenty feet in from her line and it's the entire 473 00:26:34.960 --> 00:26:39.640 length of the house. So she says she just found 474 00:26:39.720 --> 00:26:42.640 that out four weeks after moving in, had no idea, 475 00:26:43.039 --> 00:26:47.400 there was no disclosure whatsoever. There wasn't a lie about it. 476 00:26:47.720 --> 00:26:48.799 They just left it. 477 00:26:48.799 --> 00:26:51.319 Blank on the disclosure sheet. 478 00:26:51.559 --> 00:26:55.599 And she says, now she's got twenty feet of easement 479 00:26:55.720 --> 00:26:56.960 she can't use. 480 00:26:57.759 --> 00:26:59.640 What do you think does she have any kind of 481 00:26:59.680 --> 00:27:00.559 a spread? 482 00:27:01.319 --> 00:27:02.160 What kind of an easement? 483 00:27:02.240 --> 00:27:07.720 Is it utility for electric company for them to get 484 00:27:07.720 --> 00:27:10.200 their utility vehicles on if they need to. 485 00:27:10.599 --> 00:27:14.279 Because there's an overhead power line right over the easement, 486 00:27:14.799 --> 00:27:16.880 so this is for any if they have to bring 487 00:27:16.920 --> 00:27:19.480 in a crane or a truck or something to maintain 488 00:27:19.559 --> 00:27:20.200 the line. 489 00:27:21.079 --> 00:27:23.559 Normally, this type of an easement is discoverable on a 490 00:27:23.640 --> 00:27:26.400 title in survey review. This type of an easement would 491 00:27:26.400 --> 00:27:29.400 have started as a easement document that's recorded in the 492 00:27:29.440 --> 00:27:32.160 title history of this home. And that's something you probably 493 00:27:32.160 --> 00:27:35.680 could have discovered in your due diligence before you purchased. 494 00:27:36.559 --> 00:27:39.440 And then a surveyor would also plot that easement onto 495 00:27:39.480 --> 00:27:43.519 a survey to show it, you know, on the drawing. 496 00:27:42.920 --> 00:27:45.160 In the absence of a cert Let's just say this. 497 00:27:45.319 --> 00:27:47.559 If she's right about no survey, and if she's right 498 00:27:47.599 --> 00:27:52.079 about no requirement, no appraisal, was it her problem that 499 00:27:52.160 --> 00:27:55.359 she didn't know it, or should her real estate agent, 500 00:27:55.480 --> 00:27:58.559 her buyer broker should have told her or is there 501 00:27:58.599 --> 00:27:59.839 any blame here? 502 00:28:01.079 --> 00:28:02.480 No, I mean I could buy one thing. 503 00:28:02.640 --> 00:28:05.359 Hold hold on, hold on, Claudia, let him answer just 504 00:28:05.400 --> 00:28:08.480 my question. Then you can chime in. And where are 505 00:28:08.519 --> 00:28:09.279 you going to say, Brad? 506 00:28:09.720 --> 00:28:12.160 It's the buyer's progative to do their own title and 507 00:28:12.240 --> 00:28:15.680 survey review. That's part of the due diligence that buyer 508 00:28:15.839 --> 00:28:19.759 needs to do. And because if a letter doesn't require 509 00:28:19.759 --> 00:28:23.279 an appraisal or a survey, then sometimes that's the case 510 00:28:23.279 --> 00:28:25.279 that when you sometimes you pay cash for a house 511 00:28:25.319 --> 00:28:27.160 and might not get an appraisal survey, it's still on 512 00:28:27.200 --> 00:28:29.079 the buyer to do that no diligence. 513 00:28:29.480 --> 00:28:30.200 And so she did? 514 00:28:30.480 --> 00:28:33.440 What if she says though that the disclosure statement that 515 00:28:33.480 --> 00:28:38.680 she signed, that they signed, they had a section go ahead. 516 00:28:39.079 --> 00:28:42.720 Well, disclosure form is for conditions of the property. Uh, 517 00:28:42.880 --> 00:28:45.559 this is something that that would have been disclosed probably 518 00:28:45.599 --> 00:28:46.960 in the title reporting. 519 00:28:47.359 --> 00:28:50.319 Yeah, but Claudia, didn't you say there was a section 520 00:28:50.519 --> 00:28:54.440 of your disclosure that talked about easements? It asks her, 521 00:28:55.200 --> 00:28:59.279 what exactly does it? I've that's another thing I've never seen. 522 00:28:59.680 --> 00:29:05.960 I have never seen a section on a disclosure that 523 00:29:06.039 --> 00:29:09.880 talks about easements. Here's what I have seen on disclosures. Okay, 524 00:29:09.920 --> 00:29:15.160 listen carefully. If I'm selling a property, there's a disclosure 525 00:29:15.400 --> 00:29:20.200 sometimes that says have I built any structures or encroached 526 00:29:20.680 --> 00:29:25.200 on any easements? But I've never seen one that asked 527 00:29:25.240 --> 00:29:28.319 me are there any easements? 528 00:29:28.400 --> 00:29:30.680 So what I need to know before we go anywhere? 529 00:29:31.039 --> 00:29:34.920 What exactly does your disclosure statement that you depended on 530 00:29:35.440 --> 00:29:37.759 say that you say they misled you? 531 00:29:37.799 --> 00:29:40.319 What does your disclosure statement say? 532 00:29:41.440 --> 00:29:46.480 Okay, first of all, I've gone through for selling and 533 00:29:46.559 --> 00:29:49.839 purchasing of homes in California, and we may be dealing 534 00:29:49.880 --> 00:29:53.000 with you know, different laws, different states, but every single 535 00:29:53.039 --> 00:29:57.759 house I bought was sold, there was a section specifically 536 00:29:58.000 --> 00:30:01.160 are you aware of any easement? And that was on 537 00:30:01.240 --> 00:30:02.839 the disclosure form. 538 00:30:03.200 --> 00:30:05.200 I want to know the one that what you did 539 00:30:05.240 --> 00:30:08.039 in California has no bearing. I need to know the 540 00:30:08.119 --> 00:30:12.279 disclosure that you had here in Colorado in March. What 541 00:30:12.960 --> 00:30:19.599 did it ask the seller to disclose about there anyas. 542 00:30:20.799 --> 00:30:23.559 Asked, are there any easements that you know about? 543 00:30:24.359 --> 00:30:24.599 Yes? 544 00:30:25.559 --> 00:30:29.960 I have? And did they answer incorrectly? Correct? 545 00:30:30.160 --> 00:30:32.960 They just left it blank. And there were two people 546 00:30:33.440 --> 00:30:37.799 responsible for signing the documents. It started out mother and 547 00:30:37.920 --> 00:30:40.599 daughter Okay, Claudia. 548 00:30:40.160 --> 00:30:43.119 I get it, Claudia. So there was a yes on 549 00:30:43.200 --> 00:30:43.759 the easement. 550 00:30:43.839 --> 00:30:46.240 There was a yes, a no, and a don't know, 551 00:30:46.759 --> 00:30:48.519 and they left all of them blank. 552 00:30:48.640 --> 00:30:49.640 Is that right? Correct? 553 00:30:49.960 --> 00:30:52.400 It was just are you aware of any easements on 554 00:30:52.440 --> 00:30:56.640 your property kind of a statement, and it was it was. 555 00:30:59.640 --> 00:31:01.799 I'm going to let Brad, are you aware of that 556 00:31:01.880 --> 00:31:02.759 kind of disclosure? 557 00:31:03.039 --> 00:31:05.680 Yes, I'm looking at the current standards, okay, for seller 558 00:31:05.720 --> 00:31:10.279 disclosures it says unrecorded easements, and yes, it is the 559 00:31:10.319 --> 00:31:13.839 place where the cellar would disclose an unrecorded easement because 560 00:31:13.839 --> 00:31:15.279 it's not going to show up on the title report. 561 00:31:17.480 --> 00:31:20.519 But this one that she's talking about is for sure 562 00:31:20.680 --> 00:31:24.880 a recorded easement, which means she would have the discoverability 563 00:31:26.000 --> 00:31:26.920 right now only. 564 00:31:26.839 --> 00:31:29.359 Have a utility that's going to be shopping the recorded 565 00:31:29.400 --> 00:31:30.000 title history. 566 00:31:30.680 --> 00:31:33.359 So if she came to you and said, if everything 567 00:31:33.400 --> 00:31:36.200 she's saying is true, and they and it said recorded easement, 568 00:31:36.880 --> 00:31:38.640 unrecorded easement, she left it blank. 569 00:31:39.160 --> 00:31:40.799 This one is a recorded easement. 570 00:31:41.119 --> 00:31:45.480 And if it's a recorded easement, legally recorded, and Claudia 571 00:31:45.559 --> 00:31:49.200 did not discover it, she would not you're saying, under 572 00:31:49.240 --> 00:31:53.200 these conditions, she would not have a case against anyone. 573 00:31:53.119 --> 00:31:54.039 Yeah, that's true. 574 00:31:55.440 --> 00:31:58.160 Hey, Brad, where does the title company fit in all 575 00:31:58.200 --> 00:31:58.440 of this? 576 00:31:59.519 --> 00:32:03.839 Nowhere? She didn't get title insurance? All bet? Did you 577 00:32:03.880 --> 00:32:05.200 get title insurance, Claudia? 578 00:32:05.440 --> 00:32:05.920 I did? 579 00:32:06.079 --> 00:32:09.079 I did, And I already had a real estate attorney 580 00:32:09.119 --> 00:32:12.039 in Colorado Springs, real estate attorney of thirty years. He 581 00:32:12.599 --> 00:32:16.079 spent a whole hour looking over the documents, and the 582 00:32:16.119 --> 00:32:20.519 title company had put a monkey clause in there. 583 00:32:21.039 --> 00:32:23.400 Hold on, hold on, hold on, hold on. 584 00:32:23.559 --> 00:32:25.640 That sounds like an attorney trying to appease you, a 585 00:32:25.720 --> 00:32:26.519 murky clause. 586 00:32:26.599 --> 00:32:29.519 Okay, here's what I'm asking. Okay, because I. 587 00:32:29.440 --> 00:32:32.119 Know you're trying to couch this in words that will 588 00:32:32.119 --> 00:32:34.319 make it sound like you were screwed. 589 00:32:34.519 --> 00:32:35.720 But what I want to know is this. 590 00:32:36.160 --> 00:32:40.400 Did the title insurance policy make an exception for recorded easements? 591 00:32:41.960 --> 00:32:43.839 No, they just didn't list it. 592 00:32:44.240 --> 00:32:47.480 They It was as if they were saying they didn't 593 00:32:47.519 --> 00:32:48.680 know there was an easement. 594 00:32:49.599 --> 00:32:55.000 Oh I doubt it every single time. Okay, can you 595 00:32:55.039 --> 00:32:57.039 send me a copy of your title commitment? 596 00:32:58.319 --> 00:32:59.079 Yeah? 597 00:32:59.119 --> 00:33:02.680 What did your attorney mean that there was a murky clause? 598 00:33:04.119 --> 00:33:07.799 Well, they basically said if they listed like ten things. 599 00:33:08.000 --> 00:33:09.480 All right, I got to take a break we'll come 600 00:33:09.559 --> 00:33:12.240 right back, Brad O'Brien if you could stick with us, 601 00:33:12.359 --> 00:33:15.559 or maybe we call you back after the break. In fact, Claudia, listen, 602 00:33:15.599 --> 00:33:17.960 I really want to explore this, and again, the reason 603 00:33:18.000 --> 00:33:20.160 I'm giving you a hard time is because. 604 00:33:20.359 --> 00:33:22.039 You'd have either you have a case. 605 00:33:21.920 --> 00:33:24.440 Oring you don't, and I'm not giving you near a 606 00:33:24.519 --> 00:33:27.039 hard time as someone else will on the other side. 607 00:33:27.079 --> 00:33:27.799 More coming up. 608 00:33:34.759 --> 00:33:38.000 Go with a sure thing Denver's best roofer Excel Roofing 609 00:33:38.119 --> 00:33:40.759 dot com. You don't pay a cent until you're content. 610 00:33:44.160 --> 00:33:47.319 Time for an insurance check up free, no obligation. In comparison, 611 00:33:47.440 --> 00:33:51.000 call Compass Insurance paying too much your coverage at dozens 612 00:33:51.039 --> 00:33:53.759 of insurance companies find out now three oh three seven 613 00:33:53.880 --> 00:33:56.680 seven to one help. You'll think you're his only customer 614 00:33:56.720 --> 00:33:58.960 when you choose Frank durand the real estate Man dot 615 00:33:59.000 --> 00:34:02.319 com to list your home with Remax Alliance three oh 616 00:34:02.359 --> 00:34:08.320 three nine two zero sixteen twenty two. Hi Tom Martino, 617 00:34:08.599 --> 00:34:12.199 your troubleshooter three O three seven one three eight two 618 00:34:12.920 --> 00:34:17.119 five five. Brad O'Brien, I want to I want to 619 00:34:17.159 --> 00:34:22.079 ask you straight up on this deal. Would a title 620 00:34:22.119 --> 00:34:25.199 commitment list easements? 621 00:34:25.400 --> 00:34:25.599 Yeah? 622 00:34:25.960 --> 00:34:29.039 Normally time company lists recorded these miss under the exceptions. 623 00:34:29.679 --> 00:34:32.000 Okay, so I'm going to see if it does or not, 624 00:34:32.199 --> 00:34:33.840 and I thank you for your expertise. 625 00:34:34.239 --> 00:34:35.800 Olslaw dot com. 626 00:34:35.599 --> 00:34:38.159 Seven two zero three seven zero seventy three eighty eight. 627 00:34:38.599 --> 00:34:41.000 We're going to see you if Claudia was screwed. Did 628 00:34:41.000 --> 00:34:43.239 they leave that out of a title commitment? Did she 629 00:34:43.320 --> 00:34:46.880 have no idea it was her responsibility. We'll check it out. 630 00:34:46.880 --> 00:34:49.119 Coming up. I'm going to have her email me that commitment. 631 00:34:49.719 --> 00:34:53.000 Go with a sure thing Denver's Best roofer Excel Roofing 632 00:34:53.079 --> 00:34:55.760 dot com. You don't pay a cent until you're content. 633 00:34:59.119 --> 00:35:02.280 Time for an insurance check up free, no obligation. In comparison, 634 00:35:02.440 --> 00:35:06.000 call Compass Insurance paying too much your coverage at dozens 635 00:35:06.000 --> 00:35:08.719 of insurance companies find out now three all three seven 636 00:35:08.840 --> 00:35:11.840 seven one help. You'll think you're his only customer when 637 00:35:11.880 --> 00:35:14.360 you choose Frank durand the real estate Man dot com 638 00:35:14.360 --> 00:35:17.519 to list your home with Remax Alliance three all three 639 00:35:17.559 --> 00:35:19.280 nine two zero sixteen twenty two. 640 00:35:20.079 --> 00:35:32.559 Yeah, Rita, you need advice who you don't have? Come 641 00:35:32.719 --> 00:35:37.280 run in just as fast as we can. Shooter's gonna help. 642 00:35:37.559 --> 00:35:37.920 Come. 643 00:35:38.519 --> 00:35:44.920 Man Dix is the Troubleshooter Show. Now Tom Martino. 644 00:35:45.559 --> 00:35:49.360 Hi, Tom Martino here, Welcome to the show. Three all 645 00:35:49.440 --> 00:35:52.840 three seven one three talk three all three seven one 646 00:35:52.880 --> 00:35:55.800 three eight two five five. What is going on in 647 00:35:55.840 --> 00:35:58.800 your life? This hour brought to you by Compass Insurance. 648 00:35:58.800 --> 00:36:01.360 For your insurance check. Make sure you're not paying too much, 649 00:36:01.360 --> 00:36:03.719 you're not under insured or possibly if you have a 650 00:36:03.719 --> 00:36:06.719 great deal, they'll tell you three h three nine nine 651 00:36:06.800 --> 00:36:09.679 six nine thousand, noe ball. They'll tell you one way 652 00:36:09.760 --> 00:36:12.159 or the other three oh three nine nine six nine thousand. 653 00:36:12.599 --> 00:36:15.039 I got pro bid energy with me about solar where 654 00:36:15.199 --> 00:36:17.360 I do have some questions on that, but we also 655 00:36:17.400 --> 00:36:18.639 have another interesting case. 656 00:36:18.679 --> 00:36:20.000 And I want to make a note. 657 00:36:20.840 --> 00:36:23.400 A lot of times people call and I played Devil's advocate. 658 00:36:23.440 --> 00:36:26.400 They think that some people think that I'm taking a 659 00:36:26.400 --> 00:36:30.119 stance against them. What I'm doing is putting up objections. 660 00:36:30.119 --> 00:36:31.280 They're going to hear. 661 00:36:31.960 --> 00:36:34.079 More than not more than not. 662 00:36:35.719 --> 00:36:37.480 If I hear flaw in the argument, or I don't 663 00:36:37.480 --> 00:36:40.679 think it's worth pursuing, it usually isn't. However, there have 664 00:36:40.800 --> 00:36:45.840 been times where I'm dead wrong and they go on 665 00:36:46.559 --> 00:36:50.280 to have success where I wasn't willing to help that 666 00:36:50.400 --> 00:36:56.599 happens very rarely and almost never when our experts agree 667 00:36:56.599 --> 00:36:56.840 with me. 668 00:36:57.000 --> 00:37:00.519 So if I have an opinion and my autox has an. 669 00:37:00.480 --> 00:37:05.119 Opinion that agrees, or an attorney or a doctor or 670 00:37:05.679 --> 00:37:12.400 some kind of expert agrees an accountant, then usually that's 671 00:37:12.480 --> 00:37:16.039 etched in stone. Usually, But Claudia believe she was screwed 672 00:37:16.079 --> 00:37:19.599 in a real estate deal because she was unaware of 673 00:37:19.599 --> 00:37:23.000 an easement running the length of her property, coming in 674 00:37:23.039 --> 00:37:27.119 about twenty feet where she can't plant anything. So she's figuring, man, 675 00:37:27.360 --> 00:37:29.519 that's a large part of my property. I can't plant 676 00:37:29.599 --> 00:37:33.599 or do anything on now. Still her property technically, but 677 00:37:33.679 --> 00:37:37.039 it's an easement. It has to be open for utility 678 00:37:37.159 --> 00:37:44.760 vehicles to gain access to an overhead power line. Here's 679 00:37:44.800 --> 00:37:48.079 the problem. She said she was unaware of it. Our attorney, 680 00:37:48.199 --> 00:37:51.719 Brad O'Brien O'Brien Legal Services, who does real estate, says 681 00:37:52.119 --> 00:37:56.079 it's up to consumers to know the condition of a property. 682 00:37:56.119 --> 00:37:59.880 Now there are disclosure statements and. 683 00:38:00.119 --> 00:38:06.320 People cannot make false claims on a disclosure statement. She said, well, 684 00:38:06.360 --> 00:38:08.960 there was one about easeman she left blank, but it 685 00:38:09.119 --> 00:38:15.800 wasn't about recorded easements. It says, are you aware of 686 00:38:16.000 --> 00:38:21.679 any un recorded easements, and the woman left it blank, 687 00:38:21.719 --> 00:38:23.760 so unrecorded would not apply. 688 00:38:23.960 --> 00:38:25.639 This was a recorded easement. 689 00:38:26.639 --> 00:38:31.400 So I said, all right, where would she find that out? 690 00:38:31.719 --> 00:38:35.199 She would find that out in a survey or an appraisal. 691 00:38:35.519 --> 00:38:40.480 She said, my lender did not require an appraisal. 692 00:38:41.440 --> 00:38:44.920 My lender did not require a survey. 693 00:38:46.159 --> 00:38:50.639 Now we find that almost impossible to believe, because both 694 00:38:50.679 --> 00:38:53.840 Brad O'Brien and myself have never seen a case where 695 00:38:53.920 --> 00:38:57.440 lenders have waived those. But again she said no, she 696 00:38:58.159 --> 00:39:01.480 never got an appraisal and never got a survey. So 697 00:39:01.519 --> 00:39:05.400 that's good if that's true. So now we go to 698 00:39:05.480 --> 00:39:09.760 the next thing. What about title insurance. I don't think 699 00:39:09.920 --> 00:39:14.000 any lender would waive title insurance. She said, you're right, 700 00:39:14.039 --> 00:39:16.920 I have title insurance. And I said, does the title 701 00:39:16.960 --> 00:39:18.360 insurance mention that easement? 702 00:39:19.159 --> 00:39:20.119 And she said no. 703 00:39:21.519 --> 00:39:25.360 But she said she saw a real estate attorney and 704 00:39:25.400 --> 00:39:27.400 there was a murky clause in there. 705 00:39:27.480 --> 00:39:28.880 And I said, well, what does that mean? 706 00:39:29.360 --> 00:39:32.239 So if there was a clause in there in any 707 00:39:32.280 --> 00:39:36.360 way relating to that easement, that could be construed as notice. 708 00:39:39.119 --> 00:39:43.440 But just so you know, no one has to tell 709 00:39:43.480 --> 00:39:50.400 you about easement's. So I asked her to send me 710 00:39:50.440 --> 00:39:54.760 that title commitment because she swears that it does not 711 00:39:54.920 --> 00:39:56.400 contain any. 712 00:39:56.159 --> 00:39:58.320 Disclosure about that easement. 713 00:39:59.360 --> 00:40:03.760 Again, state attorney said that would be highly unlikely, and actually, 714 00:40:03.840 --> 00:40:07.400 if they did miss it and it's recorded, she will 715 00:40:07.400 --> 00:40:08.159 have a good case. 716 00:40:08.880 --> 00:40:09.360 She would. 717 00:40:09.880 --> 00:40:13.159 That's why they make exceptions in the title commitment. 718 00:40:13.480 --> 00:40:15.320 What is title insurance Do you know what it is? 719 00:40:16.079 --> 00:40:18.480 It's insurance that says you have clear title to what 720 00:40:18.480 --> 00:40:26.599 you're buying, subject to recorded lians, meaning your loan or 721 00:40:26.679 --> 00:40:30.039 any recorded document at the time they make the commitment. 722 00:40:31.960 --> 00:40:38.519 So that means they're ensuring you except for exceptions that 723 00:40:38.599 --> 00:40:43.119 are recorded like lians, the loan on your house, any 724 00:40:43.159 --> 00:40:48.679 mechanics leans that are recorded, or any easements. If they 725 00:40:48.800 --> 00:40:52.559 miss an easement or a mechanics lean, if they miss it, 726 00:40:53.840 --> 00:40:54.760 they owe you for it. 727 00:40:56.000 --> 00:40:59.559 So really, what title insurance insures. 728 00:41:00.840 --> 00:41:08.519 Is not your title. It ensures their search of your title. 729 00:41:09.559 --> 00:41:13.800 That's technically what title insurance covers. 730 00:41:14.360 --> 00:41:15.440 Hey, Tom, that happened. 731 00:41:15.480 --> 00:41:20.519 Title insurance. Wait one second. Title insurance says, we did 732 00:41:20.559 --> 00:41:26.719 a search. Here are the recorded exceptions, and we guarantee those. 733 00:41:27.440 --> 00:41:31.760 That is what they're saying, we guarantee everything that's not accepted. 734 00:41:32.519 --> 00:41:35.320 They're guaranteeing their search is accurate. 735 00:41:35.719 --> 00:41:39.920 They're not guaranteeing your title. What were you going to say, doctor, Well. 736 00:41:39.840 --> 00:41:41.960 When when I bought a property to build a house on, 737 00:41:42.880 --> 00:41:46.119 there was a powerligne went right through the middle of 738 00:41:46.159 --> 00:41:49.880 the property that was never recorded, and the title company 739 00:41:50.360 --> 00:41:53.599 paid to have the power line rerouted along the problem. 740 00:41:53.599 --> 00:41:56.079 They didn't have to probably didn't have to. They didn't 741 00:41:56.119 --> 00:41:58.320 have to. That was a good title company. 742 00:41:58.400 --> 00:42:01.199 They did not have to because because the title company 743 00:42:01.719 --> 00:42:09.199 only ensures everything, that is, they ensure everything not accepted 744 00:42:09.400 --> 00:42:14.639 by recorded leans. They do not ensure anything unrecorded. They 745 00:42:14.800 --> 00:42:16.639 only ensure what they missed. 746 00:42:16.920 --> 00:42:22.639 That's all. They ensure what they missed. Did they miss. 747 00:42:22.679 --> 00:42:26.960 An unrecorded easement where a power line went through? If 748 00:42:27.039 --> 00:42:31.800 it was unrecorded, then they did not have to address it. 749 00:42:32.239 --> 00:42:35.199 My guest, doc not to get in the weeds with you. 750 00:42:35.519 --> 00:42:37.800 My guess is it was recorded somewhere. 751 00:42:37.480 --> 00:42:40.039 And they missed it. That's why what happened, Tom. But 752 00:42:40.199 --> 00:42:42.440 that's problem. That's good. 753 00:42:43.079 --> 00:42:45.679 That's a good title company. So in any case, here's 754 00:42:45.719 --> 00:42:49.840 the deal. I'll bet you she doesn't send me the 755 00:42:49.840 --> 00:42:54.159 title policy, and I'll bet you did she hang on, Yeah. 756 00:42:54.440 --> 00:42:57.840 Yeah, so she actually did send you. If you check 757 00:42:57.840 --> 00:43:00.519 your email, that's a wonderful emails in there. 758 00:43:01.239 --> 00:43:03.960 But I'm hoping she has a case here there. 759 00:43:04.000 --> 00:43:07.920 I'm hoping there are some documents that are missing because 760 00:43:07.960 --> 00:43:11.679 she claims that she does not have ownership of them. 761 00:43:11.719 --> 00:43:15.639 Their e documents on a PDF and they were basically 762 00:43:15.719 --> 00:43:18.119 taken out of her email spontaneously. 763 00:43:19.599 --> 00:43:20.559 What is she talking about? 764 00:43:21.800 --> 00:43:25.760 So she's saying that she does not have she does 765 00:43:25.800 --> 00:43:28.079 not have the complete title commitment. 766 00:43:28.360 --> 00:43:31.480 She sent me three emails, which you have in your 767 00:43:31.519 --> 00:43:34.880 inbox right now, and that is what she has. She 768 00:43:35.079 --> 00:43:41.119 already has emailed the realtor who owns quote unquote the 769 00:43:41.199 --> 00:43:44.320 documents to get copies of those as well if you 770 00:43:44.360 --> 00:43:46.199 need them. So she's working on that off. 771 00:43:46.360 --> 00:43:47.320 All I need is this. 772 00:43:47.840 --> 00:43:51.239 I just need what's called the title commitment. That's all 773 00:43:51.280 --> 00:43:53.519 I need, the title commitment. 774 00:43:53.960 --> 00:43:54.440 That's it. 775 00:43:55.199 --> 00:43:59.159 In the title commitment, She's already has many exceptions that 776 00:43:59.199 --> 00:44:02.400 are referred to numbers and who knows. 777 00:44:02.559 --> 00:44:03.239 It just says. 778 00:44:03.639 --> 00:44:09.239 It just said that there are all of these exceptions. 779 00:44:09.440 --> 00:44:14.480 It says exception number number one through four, exception number 780 00:44:14.519 --> 00:44:17.159 five except but but I don't. 781 00:44:17.039 --> 00:44:20.840 Know what those exceptions are. And it's funny to me. 782 00:44:21.000 --> 00:44:23.440 Let's see. Okay, here's what it says. 783 00:44:24.280 --> 00:44:31.280 Here are the exceptions, easements, leans encumbrances not shown on 784 00:44:31.360 --> 00:44:35.159 public records. Do you understand what it says not shown 785 00:44:35.559 --> 00:44:40.039 on public records? Okay, any encroachments coming to violation, blah 786 00:44:40.079 --> 00:44:40.920 blah blah versus. 787 00:44:41.840 --> 00:44:44.519 So they're saying they can't They can't. 788 00:44:44.679 --> 00:44:48.360 That that's obvious. They can't ensure anything that's not recorded. 789 00:44:48.840 --> 00:44:52.599 But let's see if they have the easement on here. 790 00:44:54.440 --> 00:44:56.199 Uh, yes they have. 791 00:44:57.960 --> 00:45:02.320 They have easements on here, specific ones, so I can't 792 00:45:02.360 --> 00:45:05.920 tell which one is that utilitiesman, but they certainly have 793 00:45:06.000 --> 00:45:10.239 a number of easements recorded on here. I just think, unfortunately, 794 00:45:10.360 --> 00:45:14.960 she's dead wrong. She's just dead wrong. It was on 795 00:45:15.039 --> 00:45:19.000 her title commitment. Here's what I hate about attorneys. Okay, 796 00:45:20.119 --> 00:45:23.199 I like attorneys for the most part because we deal 797 00:45:23.239 --> 00:45:25.119 with attorneys, But some of. 798 00:45:25.079 --> 00:45:26.639 Them are liars. 799 00:45:27.719 --> 00:45:30.840 Why do they lie when they don't want to take 800 00:45:30.880 --> 00:45:31.400 a case. 801 00:45:32.639 --> 00:45:35.079 They should just tell someone why? 802 00:45:35.239 --> 00:45:40.599 Instead they often lie as well, you have a good case, 803 00:45:40.800 --> 00:45:44.800 but or this clause is murky. I think you'll win. Well, 804 00:45:44.800 --> 00:45:48.039 why aren't you taking the case. Well, I'm kind of loaded. 805 00:45:47.760 --> 00:45:48.440 Up right now. 806 00:45:49.360 --> 00:45:52.280 If an attorney ever tells you they're too busy for 807 00:45:52.360 --> 00:45:52.960 your case. 808 00:45:53.599 --> 00:45:54.679 Here's what they're saying. 809 00:45:54.760 --> 00:45:58.679 Okay, their mouth is saying we are too busy for 810 00:45:58.800 --> 00:46:02.920 your case, but inside their head they're saying this is 811 00:46:03.039 --> 00:46:04.280 not a good case. 812 00:46:04.400 --> 00:46:05.800 Go away. 813 00:46:06.559 --> 00:46:10.760 Just remember that, please, because it's just the truth. And 814 00:46:11.039 --> 00:46:13.599 all your attorneys out there right now are nodding your heads. 815 00:46:13.679 --> 00:46:17.559 Yes, you're all nodding your heads. Yes, Joanne. What's going 816 00:46:17.599 --> 00:46:19.719 on with your extended warranty? 817 00:46:21.199 --> 00:46:21.400 Hi? 818 00:46:21.679 --> 00:46:27.039 Tom, taking my call. I'm just curious. I bought a 819 00:46:27.159 --> 00:46:29.679 new Subaru. 820 00:46:30.920 --> 00:46:33.000 It has all the bells and whistles and. 821 00:46:32.960 --> 00:46:38.639 All kinds of electronics. What models it's on it it's 822 00:46:38.679 --> 00:46:39.519 a touring. 823 00:46:40.480 --> 00:46:44.760 Nice car, Thank you. I like what's going on? What's 824 00:46:44.800 --> 00:46:45.199 going on? 825 00:46:46.360 --> 00:46:47.920 Well, I'm just curious. 826 00:46:49.599 --> 00:46:53.760 They're pushing me to buy the extended warranty, and I 827 00:46:53.920 --> 00:46:58.840 just wonder, with all the added components, all the electronics 828 00:46:58.880 --> 00:47:01.800 and all the dads, is it worth it to buy that? 829 00:47:02.079 --> 00:47:02.119 No? 830 00:47:02.239 --> 00:47:03.599 What? I love that question. 831 00:47:03.679 --> 00:47:06.119 If you can hang on, I'm going to answer specifically 832 00:47:06.360 --> 00:47:16.360 about that car and the extended warranty. Hang on, go 833 00:47:16.480 --> 00:47:20.199 with a sure thing Denver's Best roofer Excel roofing dot Com. 834 00:47:20.239 --> 00:47:25.960 You don't pay a cent until you're content. Time for 835 00:47:26.000 --> 00:47:29.760 an insurance checkup free, no obligation. In comparison, call Compass 836 00:47:29.800 --> 00:47:33.079 Insurance paying too much your coverage at dozens of insurance 837 00:47:33.119 --> 00:47:35.599 companies find out now three all three seven to seven 838 00:47:35.599 --> 00:47:35.840 to one. 839 00:47:35.960 --> 00:47:36.199 Help. 840 00:47:36.360 --> 00:47:39.000 You'll think you're his only customer when you choose Frank 841 00:47:39.079 --> 00:47:41.519 durand the real estate man dot com to list your 842 00:47:41.559 --> 00:47:44.679 home with Remax Alliance three all three nine two zero 843 00:47:44.840 --> 00:47:50.239 sixteen twenty two. Hi Tom Martine, you're a troubleshooter. 844 00:47:50.280 --> 00:47:52.239 Here's a text. Tom. You're wrong. 845 00:47:53.519 --> 00:47:57.159 About your generalization of why an attorney won't take a. 846 00:47:57.280 --> 00:48:01.760 Case again, take a case? Okay, he says again. 847 00:48:02.159 --> 00:48:05.800 I'm an attorney, and there are times when I'm too 848 00:48:05.880 --> 00:48:09.039 busy and I wouldn't be able to give a new 849 00:48:09.159 --> 00:48:11.440 case the time it needs. 850 00:48:12.440 --> 00:48:15.400 I'm sure John Fuller wouldn't take. 851 00:48:15.280 --> 00:48:19.039 A case if he can't give it the attention it 852 00:48:19.119 --> 00:48:19.719 needs due. 853 00:48:19.639 --> 00:48:20.480 To lack of time. 854 00:48:21.360 --> 00:48:25.559 I agree that sometimes attorneys don't take cases for various reasons, 855 00:48:25.960 --> 00:48:27.480 but being too busy as one of them. 856 00:48:27.840 --> 00:48:28.239 Okay. 857 00:48:29.719 --> 00:48:34.599 I believe my generalization is correct, and that there are 858 00:48:34.880 --> 00:48:39.000 exceptions when somebody is truly too busy. 859 00:48:39.119 --> 00:48:43.119 But even John Fuller or any personal injury attorney. 860 00:48:43.639 --> 00:48:46.239 If there's a ten million dollar case staring him in 861 00:48:46.280 --> 00:48:52.440 the face and there's another one that's obviously obviously not 862 00:48:52.559 --> 00:48:55.119 going to reach the threshold of one hundred or two 863 00:48:55.199 --> 00:48:59.079 hundred thousand, there will be a setting of priority. 864 00:48:59.119 --> 00:48:59.920 I don't care who you are. 865 00:49:00.199 --> 00:49:03.199 Okay, I'm not accusing attorneys of dropping a case. 866 00:49:04.800 --> 00:49:05.320 But come on. 867 00:49:07.880 --> 00:49:12.920 Now, Okay, you can tell me that's not true. And 868 00:49:13.000 --> 00:49:15.199 I know they won't neglect anyone. I know that. 869 00:49:16.880 --> 00:49:21.519 But there are also civil cases and civil cases that 870 00:49:21.599 --> 00:49:25.880 are great slam dunks with great damages, and others that 871 00:49:26.000 --> 00:49:31.599 are a pain in the ass with limited damages. And 872 00:49:31.639 --> 00:49:34.280 if you're an attorney listening, just come on, come clean 873 00:49:34.360 --> 00:49:39.119 and be straight. I've had so many people call this 874 00:49:39.280 --> 00:49:44.880 show with the most asinine cases in the world and 875 00:49:44.920 --> 00:49:47.880 they tell me their attorney said they had a great case, 876 00:49:49.159 --> 00:49:56.639 but they're too busy. Now, I imagine if all cases 877 00:49:56.760 --> 00:50:02.239 are the same, they would take it based on how 878 00:50:02.280 --> 00:50:05.519 busy they are. But don't tell me an attorney's office 879 00:50:05.760 --> 00:50:10.760 wouldn't shuffle a little to get a great case on 880 00:50:10.800 --> 00:50:17.079 the board. Give me a break. Three zero three seven 881 00:50:17.199 --> 00:50:19.840 one three talks seven one, three, eight, two, five, five. Yes, 882 00:50:19.880 --> 00:50:23.559 there are saints, but few of them have esquire at 883 00:50:23.559 --> 00:50:27.360 the end of their name, Joanne. Let's talk about your 884 00:50:27.360 --> 00:50:33.440 extended warranty. That car comes with a warranty. It comes 885 00:50:33.480 --> 00:50:37.000 with a three year, thirty six thousand. 886 00:50:36.719 --> 00:50:44.280 Mile warranty, right, Chris, And it has a powertrain warranty 887 00:50:44.440 --> 00:50:50.360 of five years and sixty thousand miles. Now here's what 888 00:50:50.519 --> 00:50:53.599 I always ask dealers because they hate when I asked this. 889 00:50:54.519 --> 00:50:57.119 What kind of a warranty were they presenting. 890 00:50:56.679 --> 00:51:03.519 To you ten year or one hundred thousand miles? 891 00:51:03.880 --> 00:51:06.239 And they also have another one that's one hundred and 892 00:51:06.320 --> 00:51:07.679 twenty thousand miles, right? 893 00:51:07.960 --> 00:51:09.039 Yes, an eight year? 894 00:51:11.239 --> 00:51:15.639 Yeah, okay, So let's get to this ten year, one 895 00:51:15.679 --> 00:51:22.159 hundred thousand miles right immediately, Immediately take three years off 896 00:51:22.199 --> 00:51:25.480 of that and thirty six thousand miles because it's not 897 00:51:25.800 --> 00:51:30.079 extending the three years. If you extended the three years 898 00:51:30.440 --> 00:51:33.760 with a ten year extended warranty, how many years warranty 899 00:51:33.800 --> 00:51:34.239 would you have? 900 00:51:35.719 --> 00:51:38.760 That would be thirteen, that's right, But you don't have thirteen, 901 00:51:39.559 --> 00:51:41.400 that's right. But you won't have thirteen. 902 00:51:41.440 --> 00:51:45.559 You'll have an additional seven, and you'll have an additional 903 00:51:45.639 --> 00:51:50.559 seventy thousand miles or sixty something thousand miles, right, yes, 904 00:51:50.639 --> 00:51:53.639 So that's that's the first thing to take into consideration. 905 00:51:54.039 --> 00:51:57.320 There is not one thing covered by an extended warranty 906 00:51:57.800 --> 00:51:59.639 that your factory warranty won't cover. 907 00:52:00.159 --> 00:52:03.239 So my question is twofold or more than twofold? 908 00:52:03.639 --> 00:52:06.320 How long do you keep a car? 909 00:52:07.719 --> 00:52:08.159 This one? 910 00:52:08.280 --> 00:52:10.639 I don't plan on trade again at all. 911 00:52:12.159 --> 00:52:14.079 You want to run the wheels off it. You want 912 00:52:14.119 --> 00:52:15.519 to run the wheels off it? How old are you? 913 00:52:17.239 --> 00:52:22.119 I am in my seventies, okay, now you want to 914 00:52:22.159 --> 00:52:23.119 run the wheels off it. 915 00:52:23.920 --> 00:52:28.280 Don't buy the extended warranty, okay, because it's not an 916 00:52:28.280 --> 00:52:32.760 extended warranty. If anyone would sell me a true extended warranty, 917 00:52:33.320 --> 00:52:34.079 I would buy it. 918 00:52:34.920 --> 00:52:39.360 I would. I actually would. If you tell me, do 919 00:52:39.400 --> 00:52:42.960 you want to add speak? Because really the numbers are 920 00:52:43.119 --> 00:52:45.719 off because you divide. 921 00:52:45.320 --> 00:52:48.199 That new warranty by ten years to see what you're 922 00:52:48.239 --> 00:52:54.199 paying per year. How much do they want for that warranty? 923 00:52:54.480 --> 00:52:57.719 It's right around three thousand dollars. 924 00:52:58.159 --> 00:53:01.000 It's not a terrible price, by the way, but that's 925 00:53:01.079 --> 00:53:09.519 divided by seven, so that's not divided by ten. That's 926 00:53:09.559 --> 00:53:13.000 about four hundred and thirty bucks a year, or we 927 00:53:13.079 --> 00:53:15.920 can break it down by the mile. Normally, an extended 928 00:53:15.960 --> 00:53:20.800 warranty people buy it to extend the mileage coverage, not 929 00:53:20.960 --> 00:53:24.599 the time coverage, because most people go above the mileage. 930 00:53:24.760 --> 00:53:27.559 And there's nothing wrong with having a one hundred thousand 931 00:53:27.599 --> 00:53:29.960 mile warranting, nothing at all, And you can have one. 932 00:53:30.400 --> 00:53:33.320 I'm going to explain something to you I have. 933 00:53:33.920 --> 00:53:38.039 I bought a new X seven bmw Okay, a fIF 934 00:53:38.920 --> 00:53:43.440 fifty I top of the line suv, and every single 935 00:53:43.440 --> 00:53:48.119 person at the dealership told me I needed an extended 936 00:53:48.199 --> 00:53:53.440 warranty And I said why and they said, because it's 937 00:53:53.440 --> 00:53:55.360 going to cost you. It's going to be this and 938 00:53:55.400 --> 00:53:58.159 they're so expensive and everything goes wrong, and I said, well, 939 00:53:58.159 --> 00:53:59.639 I have a factory warranty. 940 00:54:00.440 --> 00:54:02.239 So I said no. 941 00:54:03.960 --> 00:54:07.280 So I'm coming up now on the end of my warranty, 942 00:54:07.800 --> 00:54:11.719 and guess what I'm getting through the mail warranty offers. 943 00:54:12.000 --> 00:54:16.119 That's exactly right, I'm getting warranty offers. And the warranty 944 00:54:16.199 --> 00:54:19.760 offers are exactly the same as they were when I 945 00:54:19.800 --> 00:54:24.480 bought the car, except I'm getting that extra time. I'm 946 00:54:24.519 --> 00:54:29.360 actually extending the warranty, and they're offering to take effect 947 00:54:29.400 --> 00:54:33.360 on the day my other one expires, and it's from BMW. 948 00:54:34.880 --> 00:54:38.519 So people, here's what you have to understand. 949 00:54:39.920 --> 00:54:43.679 Extended warranties are nothing more than grosser uppers. 950 00:54:43.960 --> 00:54:46.840 That's all. They are increased profits. 951 00:54:47.039 --> 00:54:52.519 Nothing wrong with that, but they're not of good value. 952 00:54:52.719 --> 00:54:53.599 That's all I'm saying. 953 00:54:53.920 --> 00:54:57.199 Just like the windshield coverage, the theft protection, the. 954 00:54:57.079 --> 00:55:00.159 Mop and glow, none of that is worth any any 955 00:55:00.239 --> 00:55:00.440 of it. 956 00:55:00.719 --> 00:55:03.679 You can get any one of them, including credit insurance, 957 00:55:03.800 --> 00:55:07.320 which you should never get. You should simply get life insurance. 958 00:55:07.559 --> 00:55:10.880 But none of that is worth the money, none of it. 959 00:55:11.440 --> 00:55:14.599 The F and I, which is finance and insurance guy 960 00:55:15.360 --> 00:55:19.079 or woman. They're made to gross up the sale. That's 961 00:55:19.159 --> 00:55:21.599 all they're there for is to gross up the sale. 962 00:55:22.119 --> 00:55:24.760 There is one thing I would buy. Prepaid maintenance is 963 00:55:24.800 --> 00:55:26.559 a wonderful option they have. 964 00:55:26.639 --> 00:55:27.000 Okay. 965 00:55:27.360 --> 00:55:32.000 Prepaid maintenance is where you get to pay for the. 966 00:55:32.039 --> 00:55:34.880 Maintenance you know you're gonna need, you. 967 00:55:34.840 --> 00:55:37.280 Know, like the like the twelve thousand if they have 968 00:55:37.320 --> 00:55:39.679 one our twenty four thousand and thirty six thousand mile checks. 969 00:55:39.840 --> 00:55:42.559 Because those are sold at a discount, and the reason 970 00:55:42.559 --> 00:55:44.400 they're sold at a discount, so they want to keep 971 00:55:44.440 --> 00:55:46.599 you coming back. So if you're gonna be there and 972 00:55:46.679 --> 00:55:48.880 go back to that dealer, it's really a go or 973 00:55:48.920 --> 00:55:50.239 go back to a super. 974 00:55:50.199 --> 00:55:52.960 Dealer, depending on the one you buy. They're good deals. 975 00:55:53.239 --> 00:55:56.639 Prepaid maintenance is a good idea, not an extended warranty. 976 00:55:56.679 --> 00:55:58.559 Do you know what a prepaid maintenance is? Right? They 977 00:55:58.760 --> 00:56:01.519 you simply pay for maintenance. You know you're gonna need 978 00:56:04.079 --> 00:56:05.480 to keep to keep the worm. 979 00:56:05.679 --> 00:56:08.199 Like oil changes, well, some of them do, some of 980 00:56:08.239 --> 00:56:08.679 them don't. 981 00:56:08.840 --> 00:56:09.320 Some of them. 982 00:56:09.440 --> 00:56:14.960 I'm talking about the factory authorized and factory recommended intervals 983 00:56:15.320 --> 00:56:18.679 to keep the warranty alive, you know, Like I don't 984 00:56:18.679 --> 00:56:20.360 know when's the first time you bring that back at 985 00:56:20.360 --> 00:56:23.719 twenty thousand, ten thousands, it's usually about ten thousan twelve. 986 00:56:23.519 --> 00:56:26.599 Thousand, whatever it is. I pay for those. 987 00:56:27.239 --> 00:56:30.119 And there's one other thing I buy, which I never 988 00:56:30.159 --> 00:56:32.679 thought I would buy, but I buy. 989 00:56:32.719 --> 00:56:34.840 This is me and that's wheel protection. 990 00:56:35.480 --> 00:56:39.360 Let me explain why if you put in insurance claims 991 00:56:39.360 --> 00:56:42.760 for your wheels being dinged or scratched or scraped, which, 992 00:56:42.840 --> 00:56:46.000 by the way, the fancier the wheel, the more it 993 00:56:46.000 --> 00:56:47.599 attracts damage. 994 00:56:47.760 --> 00:56:48.760 Okay, So. 995 00:56:50.760 --> 00:56:53.199 I'm telling you you go look at a fancy carn 996 00:56:53.239 --> 00:56:53.880 of parking. 997 00:56:53.639 --> 00:56:56.079 Lot, and you'll see those wheels gunked up like hell. 998 00:56:56.400 --> 00:56:58.840 If you put in insurance claims for those, you'll be 999 00:56:59.000 --> 00:57:01.079 canceled in a hard beat and you'll be paying more 1000 00:57:01.079 --> 00:57:04.199 for insurance than it's worth. But if you buy wheel protection, 1001 00:57:05.199 --> 00:57:08.119 and I didn't buy it on my Beamer the first time, 1002 00:57:08.719 --> 00:57:11.639 and then after that, I'd never stopped because I said, 1003 00:57:11.920 --> 00:57:14.280 I'm not paying fourteen hundred bucks. I'm not paying fourteen 1004 00:57:14.360 --> 00:57:17.000 hundred bucks. And then guess what happened. Two wheels got 1005 00:57:17.000 --> 00:57:21.719 scraped up. Two wheels cost me three thousand dollars to fix, 1006 00:57:22.440 --> 00:57:26.159 or no more than that thirty eight hundred bucks. And 1007 00:57:26.639 --> 00:57:29.360 for fourteen hundred they would have fixed them or replaced them. 1008 00:57:29.559 --> 00:57:32.800 So I like wheel coverage. If you have fancy wheels, 1009 00:57:32.840 --> 00:57:36.039 I like prepaid maintenance. I will not buy an extended 1010 00:57:36.079 --> 00:57:41.960 warranty until my other warranty starts running out. Okay, there, 1011 00:57:42.599 --> 00:57:45.159 you got a lot of good advice, and you have 1012 00:57:45.239 --> 00:57:47.679 a really nice car. By the way, Paul has a 1013 00:57:47.760 --> 00:57:49.639 quick comment, Go ahead, Paul, And then I got to 1014 00:57:49.639 --> 00:57:50.079 take a break. 1015 00:57:50.079 --> 00:57:51.360 Go ahead, Paul, what's your comment? 1016 00:57:52.320 --> 00:57:55.440 Hey, Tom, First of all, I didn't hear the model 1017 00:57:55.760 --> 00:57:57.960 with this woman owns of the silver. 1018 00:57:58.199 --> 00:58:00.880 She said the trim was a tour right in here 1019 00:58:00.960 --> 00:58:01.440 the model? 1020 00:58:01.519 --> 00:58:01.800 Did you? 1021 00:58:02.079 --> 00:58:02.280 Oh? 1022 00:58:02.320 --> 00:58:04.719 I thought that was the model. I'm sorry, So. 1023 00:58:04.920 --> 00:58:09.079 The touring is the trim level, okay, as first of all. Secondly, 1024 00:58:09.199 --> 00:58:13.159 but either way, so, I've owned a bunch of Subaru's. 1025 00:58:12.599 --> 00:58:13.320 Brand new. 1026 00:58:15.239 --> 00:58:18.360 Twenty nineteen Ascent when they first came out. I now 1027 00:58:18.440 --> 00:58:21.880 own a twenty three Ascent brand new. I own a 1028 00:58:21.920 --> 00:58:29.480 twenty two, and I bought extended warranties on right now 1029 00:58:29.559 --> 00:58:34.360 two out of the three and had very good experience 1030 00:58:34.400 --> 00:58:38.320 with it. I so very very Paul, Paul. 1031 00:58:38.360 --> 00:58:39.760 I got to take a break and I'll come right 1032 00:58:39.800 --> 00:58:41.840 back to you. I promise. I'm not telling you you 1033 00:58:41.920 --> 00:58:44.440 won't ever use an extended word. I'm telling you the 1034 00:58:44.480 --> 00:58:46.719 worst time to buy it is when you buy the car. 1035 00:58:46.920 --> 00:58:50.280 You can buy a cheaper and extend longer after the 1036 00:58:50.320 --> 00:58:53.079 original one runs out. There's no reason to pay for 1037 00:58:53.199 --> 00:58:55.000 concurrent coverage. More coming up. 1038 00:59:00.679 --> 00:59:03.920 Go with a sure thing Denver's best roofer Excel roofing 1039 00:59:04.039 --> 00:59:04.599 dot com. 1040 00:59:04.639 --> 00:59:08.639 You don't pay a cent until you're content, wait. 1041 00:59:10.039 --> 00:59:12.639 Time for an insurance check up free, no obligation in 1042 00:59:12.639 --> 00:59:16.519 comparison call Compass Insurance paying too much your coverage at 1043 00:59:16.559 --> 00:59:19.280 dozens of insurance companies find out now three all three 1044 00:59:19.440 --> 00:59:20.239 seven to seven to one. 1045 00:59:20.360 --> 00:59:20.639 Help. 1046 00:59:20.800 --> 00:59:23.440 You'll think you're his only customer when you choose Frank 1047 00:59:23.480 --> 00:59:25.960 durand the real estate man dot Com to list your 1048 00:59:25.960 --> 00:59:29.159 home with Remax Alliance three all three nine two zero 1049 00:59:29.239 --> 00:59:35.639 sixteen twenty two. Hi, Tom Martino, you're a troubleshooter three 1050 00:59:35.719 --> 00:59:39.360 all three seven one three talk three oh three seven 1051 00:59:39.440 --> 00:59:40.480 one three eight two five five. 1052 00:59:41.360 --> 00:59:43.599 All right. So I was saying that I buy extended 1053 00:59:43.599 --> 00:59:46.079 warranties at the end of my factory warranty. I don't 1054 00:59:46.119 --> 00:59:49.119 pay for concurrent coverage. I get it for cheaper than 1055 00:59:49.119 --> 00:59:49.880 the dealer. 1056 00:59:49.639 --> 00:59:52.280 Offered it up front, So there's no reason for me 1057 00:59:52.320 --> 00:59:55.079 to pay for coverage I'm not using. There's not one 1058 00:59:55.280 --> 00:59:58.760 thing an extended warranty pays for that your factory warranty 1059 00:59:58.760 --> 01:00:02.320 won't pay for. So I think we're in agreement, Paul. 1060 01:00:02.480 --> 01:00:05.599 I like extended warranties when you buy them correctly. You 1061 01:00:05.679 --> 01:00:07.360 said you buy them when you buy the car, and 1062 01:00:07.360 --> 01:00:09.199 you've had good luck, keep going go ahead. 1063 01:00:10.960 --> 01:00:13.519 I never said. I never said I bought them when 1064 01:00:13.519 --> 01:00:17.119 I'd buy the car, I said, I, oh, for the vehicles. Now, 1065 01:00:17.599 --> 01:00:20.639 so here's here, let's fact, when. 1066 01:00:20.320 --> 01:00:22.639 Do you buy them, Paul, when do you buy your 1067 01:00:22.639 --> 01:00:23.559 extended warranty? 1068 01:00:24.639 --> 01:00:27.679 Well, for super, first of all, it's very clear these 1069 01:00:27.719 --> 01:00:31.280 are manufacturer warranties. These aren't third party quarranties. 1070 01:00:31.679 --> 01:00:32.239 That's right. 1071 01:00:32.280 --> 01:00:36.000 I'm consuming and I'm assuming that this woman the way 1072 01:00:36.320 --> 01:00:39.039 she was sort of describing it, although it was briefly 1073 01:00:39.079 --> 01:00:42.239 described that it was in fact the sublu factory warranty. 1074 01:00:42.320 --> 01:00:47.480 So those are really good as warrant as extended warranties go. Secondly, 1075 01:00:48.599 --> 01:00:53.320 I buy them at about thirty thousands, generally at about 1076 01:00:53.360 --> 01:00:56.360 thirty thousand miles. But here's the downside on that, And 1077 01:00:56.400 --> 01:00:59.800 it happened to me with my wife's out twenty two outback, 1078 01:01:00.440 --> 01:01:01.639 just a couple of weeks ago. 1079 01:01:01.679 --> 01:01:02.199 I bought it. 1080 01:01:03.599 --> 01:01:08.840 The price went up between January of this year and 1081 01:01:10.079 --> 01:01:14.000 August by three hundred dollars. So, first of all, the 1082 01:01:14.039 --> 01:01:18.000 price is all negotiable. She played a pretty good price. Well, 1083 01:01:18.079 --> 01:01:23.199 depending upon the deductible for her one hundred thousand, Well 1084 01:01:23.920 --> 01:01:27.559 does she say she had a ten year one hundred thousand. 1085 01:01:27.320 --> 01:01:30.320 That's the one that's the one she's considering. 1086 01:01:30.400 --> 01:01:32.719 Yes, okay, So a couple of things. 1087 01:01:32.840 --> 01:01:37.119 Number one, the prices do go up generally year to year, 1088 01:01:37.199 --> 01:01:39.639 not a lot. So it was pretty good at holding down. 1089 01:01:39.440 --> 01:01:40.440 All their prices. 1090 01:01:41.599 --> 01:01:43.960 But the price goes up, so you list that now 1091 01:01:44.000 --> 01:01:47.719 if you can negotiate a really good price near the 1092 01:01:47.760 --> 01:01:50.880 beginning of your purchase. Now it doesn't have to You 1093 01:01:50.880 --> 01:01:52.639 don't have to buy it from that dealer. You can 1094 01:01:52.679 --> 01:01:55.679 buy it from any dealer. I actually I'm in Denver, 1095 01:01:55.760 --> 01:01:59.719 and I bought my warranty extended warranty from a place 1096 01:02:00.000 --> 01:02:03.159 dealership in Puebla over the phone. It took me fifteen 1097 01:02:03.199 --> 01:02:08.440 minutes negotiate it, signed contract, the whole bit end the story, 1098 01:02:08.480 --> 01:02:11.320 and I gave them. I knew what the prices were 1099 01:02:11.480 --> 01:02:15.320 for the dealer their price, so I gave them two 1100 01:02:15.360 --> 01:02:18.599 three hundred dollars. I think it was over for the outback. 1101 01:02:18.679 --> 01:02:22.559 I bought it a ten year, one hundred and twenty thousand, 1102 01:02:22.679 --> 01:02:26.639 zero deductibles. So they have different deductibles. I would recommend 1103 01:02:26.639 --> 01:02:29.440 a zero deductible when you get it now. On my 1104 01:02:29.679 --> 01:02:34.559 other I would never roll it into the financing because 1105 01:02:34.599 --> 01:02:38.679 then you're just paying money unnecessarily, you know, interest rates, 1106 01:02:38.679 --> 01:02:44.039 et cetera. That's another item. Here's an item that most 1107 01:02:46.119 --> 01:02:50.360 super owners who bought new cars don't know that. The 1108 01:02:50.440 --> 01:02:56.440 factory warranty comes with wearable parts warranties for certain items. 1109 01:02:56.639 --> 01:03:00.639 They get free windshield wipers, they get a an align, 1110 01:03:00.760 --> 01:03:05.039 a free and alignment. They get brake pads, pree brake 1111 01:03:05.119 --> 01:03:10.119 pads service and break parts service for three years that 1112 01:03:10.280 --> 01:03:14.360 comes with the factory warranty. No matter when you buy 1113 01:03:14.400 --> 01:03:17.719 that extended warranty, it's going to be concurrent. Even if 1114 01:03:17.760 --> 01:03:19.440 you buy it at the end of the fact, you 1115 01:03:19.480 --> 01:03:23.000 have to buy it before the factory warranty runs out, 1116 01:03:23.639 --> 01:03:25.119 and you're get well. 1117 01:03:25.119 --> 01:03:28.159 Paul, Paul, what you're saying. What you're saying is correct. 1118 01:03:28.199 --> 01:03:31.360 If you buy it before the factory warranty runs out, 1119 01:03:31.639 --> 01:03:34.280 the ten year warranty goes back to the in service date, 1120 01:03:34.320 --> 01:03:36.639 which means you're not getting the full ten years. 1121 01:03:36.639 --> 01:03:40.119 You're right, right, no matter when you buy it, but 1122 01:03:40.199 --> 01:03:40.639 you have. 1123 01:03:40.599 --> 01:03:43.360 To accept and accept accept. 1124 01:03:43.400 --> 01:03:46.920 In my case, you don't have to buy the last 1125 01:03:46.920 --> 01:03:51.239 three years. You can truly buy a warranty going forward. 1126 01:03:51.320 --> 01:03:52.519 And and and. 1127 01:03:53.920 --> 01:03:56.760 It's so so it depends on what they offer. 1128 01:03:56.880 --> 01:03:57.079 Now. 1129 01:03:57.159 --> 01:04:00.400 If that's the only if super rule only all offers 1130 01:04:00.480 --> 01:04:03.639 warranties back to the in service date, well then you're 1131 01:04:03.679 --> 01:04:05.679 buying the same thing as if you bought it new. 1132 01:04:06.000 --> 01:04:08.679 So that would to me that defeats the whole purpose 1133 01:04:08.719 --> 01:04:09.159 of waiting. 1134 01:04:10.880 --> 01:04:14.199 No, it's it's first of all, it all has to 1135 01:04:14.239 --> 01:04:17.199 do with dollars and risk aversion. You know what your 1136 01:04:17.199 --> 01:04:19.599 account Well, of course, Paul, of course it does. 1137 01:04:19.760 --> 01:04:20.639 Of course it does. 1138 01:04:20.840 --> 01:04:24.000 All I'm saying is this, if you buy a ten 1139 01:04:24.079 --> 01:04:30.880 year warranty that goes retroactively back three years or four years, okay, 1140 01:04:30.960 --> 01:04:34.719 you're getting You're not getting three or four years of 1141 01:04:34.800 --> 01:04:36.360 the ten years. 1142 01:04:37.039 --> 01:04:40.239 Right, of course, And you should know that going in. 1143 01:04:40.280 --> 01:04:42.199 As long as you know it, you make your personal 1144 01:04:42.320 --> 01:04:43.440 financial decision. 1145 01:04:43.639 --> 01:04:44.679 As long as you know it. 1146 01:04:44.800 --> 01:04:47.920 There are ways that you can get a better deal 1147 01:04:48.199 --> 01:04:51.599 by truly extending your coverage. 1148 01:04:52.239 --> 01:04:53.840 Not with a factory warranty. 1149 01:04:53.960 --> 01:04:56.079 Well maybe not with Suberru. 1150 01:04:56.280 --> 01:04:58.599 Okay, maybe not with suber Ru, but I did it 1151 01:04:58.639 --> 01:05:00.559 with Mercedes, and I did it would. 1152 01:05:00.360 --> 01:05:04.960 Be that's fine, that's fine, we're talking suber I thought. Okay, 1153 01:05:05.039 --> 01:05:06.960 so that's that piece. 1154 01:05:07.599 --> 01:05:10.320 Secondly, and by the way, I will say this, there 1155 01:05:10.400 --> 01:05:12.960 are some not all, and I don't know. 1156 01:05:13.119 --> 01:05:14.159 I wouldn't be able. 1157 01:05:13.920 --> 01:05:15.840 To compare them unless I knew the prices and what 1158 01:05:15.920 --> 01:05:19.400 they cover. But there are some third party warranties that 1159 01:05:19.480 --> 01:05:20.400 are not shlock. 1160 01:05:20.719 --> 01:05:20.840 Now. 1161 01:05:20.880 --> 01:05:24.559 I'm not talking about these stupid things we see advertised 1162 01:05:24.599 --> 01:05:27.280 on TV by Iced Tea and the rest of them saying, 1163 01:05:27.320 --> 01:05:30.679 you know, buy this, uh this whatever they call them, 1164 01:05:30.679 --> 01:05:33.800 these service contracts where you pay car shield and all 1165 01:05:33.840 --> 01:05:36.960 that crap. But there are some other extended warranties that 1166 01:05:37.000 --> 01:05:40.039 aren't terrible. Listen, Paul, I would love to pontificate all 1167 01:05:40.119 --> 01:05:41.679 day on this, but I got to take this break. 1168 01:05:41.719 --> 01:05:42.639 We got more coming up. 1169 01:05:48.760 --> 01:05:52.039 Go with a sure thing Denver's Best roofer Excel Roofing 1170 01:05:52.119 --> 01:05:54.760 dot com. You don't pay a cent until you're content. 1171 01:05:58.119 --> 01:06:01.679 Time for an insurance checkup, free obligation. In comparison, call 1172 01:06:01.800 --> 01:06:05.079 Compass Insurance paying too much your coverage at dozens of 1173 01:06:05.119 --> 01:06:07.800 insurance companies find out now three all three seven to 1174 01:06:07.840 --> 01:06:10.639 seven to one help. You'll think you're his only customer 1175 01:06:10.679 --> 01:06:12.960 when you choose Frank durand the real estate Man dot 1176 01:06:12.960 --> 01:06:16.280 com to list your home with Remax Alliance three all 1177 01:06:16.320 --> 01:06:22.840 three nine two zero sixteen twenty two. Hi Tom, Martino, 1178 01:06:23.679 --> 01:06:26.320 you are troubleshooter three all three seven one three talks 1179 01:06:26.320 --> 01:06:29.800 seven one three eight two five five. Okay, so solar, 1180 01:06:30.440 --> 01:06:33.760 A lot of people think the UH tax credits will 1181 01:06:33.800 --> 01:06:36.719 be phased out. What do you think? Let me go 1182 01:06:36.760 --> 01:06:38.960 to a watch I hear. What do you think, sir? 1183 01:06:39.480 --> 01:06:41.000 If we have probate energy with us. 1184 01:06:41.119 --> 01:06:43.239 Yes, I don't think they're gonna be phased out. I mean, 1185 01:06:43.239 --> 01:06:45.440 it's an inflation Cares act as goes through. 1186 01:06:45.239 --> 01:06:47.880 Twenty in my opinion. First of all, Democrats are in. 1187 01:06:48.400 --> 01:06:49.639 They'll definitely stay right. 1188 01:06:49.719 --> 01:06:51.840 Yes, they love them, and I mean not I'm not 1189 01:06:51.840 --> 01:06:55.719 saying Republicans don't like solar, but definitely with the climate 1190 01:06:55.800 --> 01:06:58.760 agenda and all that, everyone wants solar. But how do 1191 01:06:58.800 --> 01:06:59.960 the Republicans feel? Do you know? 1192 01:07:00.440 --> 01:07:03.960 Yeah, I don't really know. I mean they go I. 1193 01:07:03.920 --> 01:07:06.199 Mean, do you think the tax credits are here to stay? 1194 01:07:06.280 --> 01:07:07.840 I think they are. I think they are. 1195 01:07:08.199 --> 01:07:10.239 But it wouldn't matter because if you get it while 1196 01:07:10.239 --> 01:07:12.199 it's they're in effect, you're going to get They're not 1197 01:07:12.239 --> 01:07:14.079 going to go retro on you, correct. 1198 01:07:14.079 --> 01:07:16.360 I mean, the money is there, the funding is already 1199 01:07:16.400 --> 01:07:19.039 in place, it's already being dispersed to the States. So 1200 01:07:19.159 --> 01:07:21.159 I think it's going to stay. I hope it stays. 1201 01:07:21.679 --> 01:07:30.679 What about the actual, the actual implemmation implementation of these grants. 1202 01:07:30.719 --> 01:07:32.159 Do you think we're going to see more of them 1203 01:07:32.559 --> 01:07:33.360 for businesses? 1204 01:07:33.599 --> 01:07:34.199 Yeah? I hope. 1205 01:07:34.239 --> 01:07:39.159 So those REAP grants have really now REAP is for commercial, ye, 1206 01:07:39.440 --> 01:07:42.599 commercial and agricultural commercial, and after that we have a 1207 01:07:42.639 --> 01:07:46.119 few in the queue. It's pretty exciting for these farmers 1208 01:07:46.159 --> 01:07:48.760 to be able to take advantage of something. 1209 01:07:48.559 --> 01:07:54.559 So they can actually put solar up. And as as 1210 01:07:54.599 --> 01:07:59.480 they put put up solar, if they have an agricultural operation, 1211 01:08:00.199 --> 01:08:01.280 they can get a REP grant. 1212 01:08:01.440 --> 01:08:02.320 They could apply for. 1213 01:08:02.320 --> 01:08:07.480 One, yes, and does it have to be commercial agriculture, Yes, 1214 01:08:08.599 --> 01:08:11.320 it does. I don't know what qualified, right. And then 1215 01:08:11.360 --> 01:08:13.239 are they able to sell back to the grid. 1216 01:08:13.800 --> 01:08:17.359 They are, But again there's RACS renewable energy credits. I 1217 01:08:17.359 --> 01:08:20.159 think excels paying around four cents a kill a lot. 1218 01:08:20.680 --> 01:08:23.159 So yes, So if you're going to get it paid 1219 01:08:23.199 --> 01:08:26.159 for any way by the government, why not get it 1220 01:08:26.199 --> 01:08:28.560 paid to put in a bigger system, right? Won't they 1221 01:08:28.600 --> 01:08:30.479 let you go more than you need? 1222 01:08:31.039 --> 01:08:33.479 You can't go it like seals up to two hundred percent. 1223 01:08:33.840 --> 01:08:36.560 It's okay, So if you build something two hundred percent, 1224 01:08:36.600 --> 01:08:38.760 get it paid for or most of it paid for, 1225 01:08:39.239 --> 01:08:42.880 theoretically you could have a money maker on your hands 1226 01:08:43.039 --> 01:08:44.720 with very little cash outlay. 1227 01:08:44.880 --> 01:08:45.119 Good. 1228 01:08:45.319 --> 01:08:49.479 Yes, possibly if the roes there. Absolutely, and we're doing 1229 01:08:49.479 --> 01:08:52.880 commercial too, same thing. There's racs available for these commercial 1230 01:08:52.880 --> 01:08:55.439 buildings that have to decarbonize. 1231 01:08:55.439 --> 01:08:57.079 They have to load their carbon footprint. 1232 01:08:57.159 --> 01:09:04.319 And Denver, that's Denver, talk about that appropriateenergy dot com. 1233 01:09:04.399 --> 01:09:07.680 Go with a sure thing Denver's best roofer Excel Roofing 1234 01:09:07.760 --> 01:09:08.319 dot com. 1235 01:09:08.399 --> 01:09:10.399 You don't pay a cent until you're content. 1236 01:09:13.760 --> 01:09:16.960 Time for an insurance check up free, no obligation comparison 1237 01:09:17.079 --> 01:09:20.640 call Compass Insurance. Pay too much your coverage at dozens 1238 01:09:20.680 --> 01:09:23.399 of insurance companies find out now three oh three seven 1239 01:09:23.520 --> 01:09:26.319 seven to one help. You'll think you're his only customer 1240 01:09:26.359 --> 01:09:28.600 when you choose Frank durand the real estate man dot 1241 01:09:28.640 --> 01:09:31.960 com to list your home with Remax Alliance three oh 1242 01:09:32.000 --> 01:09:34.079 three nine two zero sixteen twenty two. 1243 01:09:39.800 --> 01:09:45.319 Rift you needed, that's who you don't have to. 1244 01:09:47.760 --> 01:09:52.960 Runs as we can. Shooter's gonna help come. 1245 01:09:54.520 --> 01:09:56.680 This is the Troubleshooter Show. 1246 01:09:57.279 --> 01:10:02.399 No Toel Martinez, Hi, Tom Martin, Hi Tom Martino. 1247 01:10:02.479 --> 01:10:03.520 Here welcome to the show. 1248 01:10:03.560 --> 01:10:06.560 Three all three seven one three talk three all three 1249 01:10:06.720 --> 01:10:09.920 seven one three eight two five five here to help 1250 01:10:09.960 --> 01:10:10.960 you any way. 1251 01:10:11.000 --> 01:10:13.359 We can't now listen. I want to tell you that 1252 01:10:14.439 --> 01:10:15.159 we have. 1253 01:10:16.680 --> 01:10:20.079 A follow up on a very important gun discussion we 1254 01:10:20.079 --> 01:10:24.079 were having yesterday, not on gun rights or political stuff, 1255 01:10:24.119 --> 01:10:29.359 but on the way a lot of gun dealers are 1256 01:10:29.399 --> 01:10:33.840 doing things and anyway. 1257 01:10:34.479 --> 01:10:37.279 Kelly, I want you to call the guy that we 1258 01:10:37.359 --> 01:10:37.800 had on. 1259 01:10:38.239 --> 01:10:41.119 He's a really nice guy on a referral list, but 1260 01:10:41.159 --> 01:10:43.880 he was the one that gave us some information because 1261 01:10:43.920 --> 01:10:45.640 we need to set the record straight. There was a 1262 01:10:45.640 --> 01:10:49.640 lot of wrong information given and I want to talk 1263 01:10:49.680 --> 01:10:52.479 about it because I don't want wrong information going out 1264 01:10:52.479 --> 01:10:53.000 on the show. 1265 01:10:53.920 --> 01:10:54.760 I want to bring up. 1266 01:10:54.680 --> 01:10:58.880 Bow Deputy Bou used to be a federal firearms dealer, 1267 01:11:00.359 --> 01:11:07.279 and Bo, here's what happened. We were told that in 1268 01:11:07.319 --> 01:11:11.439 the gun industry it's standard never give a refund for 1269 01:11:11.479 --> 01:11:11.960 a firearm. 1270 01:11:12.039 --> 01:11:14.079 Now I understand that, and that's fine with me. I 1271 01:11:14.079 --> 01:11:14.560 don't care. 1272 01:11:14.920 --> 01:11:17.439 In fact, it's against federal law to do refunds on 1273 01:11:17.479 --> 01:11:21.039 firearms once they're taking delivery, and I look that up. 1274 01:11:21.439 --> 01:11:24.319 So we're not talking about that, though we were talking about 1275 01:11:24.560 --> 01:11:29.279 where people put a deposit down on a gun and 1276 01:11:29.319 --> 01:11:34.520 then fail the background check. We were told that most 1277 01:11:34.760 --> 01:11:39.159 gun dealers will keep your money if your background check 1278 01:11:39.960 --> 01:11:43.439 does not get approved. And I said, well, that's just 1279 01:11:43.520 --> 01:11:48.560 not right because I didn't purchase the gun yet. And 1280 01:11:48.880 --> 01:11:51.520 if I didn't purchase the gun, how can you say 1281 01:11:51.520 --> 01:11:53.239 it's a refund. 1282 01:11:53.640 --> 01:11:56.760 You're not taking a gun back. I never took the gun. 1283 01:11:58.279 --> 01:12:01.600 And some of the people that texted me and somebody 1284 01:12:01.640 --> 01:12:07.079 we had on the show said well, it is kind 1285 01:12:07.119 --> 01:12:07.520 of like. 1286 01:12:08.960 --> 01:12:11.880 It is kind of like a refund, and I said, no, 1287 01:12:12.000 --> 01:12:15.000 it's not. We're not buying the gun, we're putting a 1288 01:12:15.039 --> 01:12:17.760 deposit down. Then he said, well, we can't even do 1289 01:12:17.840 --> 01:12:21.840 a background check until we have a specific gun, so 1290 01:12:21.880 --> 01:12:24.800 we may have to order a gun for you because 1291 01:12:24.840 --> 01:12:29.279 you can't do a background check without a specific serial number. 1292 01:12:29.920 --> 01:12:32.319 So now there's two laws involved here. We have federal 1293 01:12:32.399 --> 01:12:36.439 law for firearms, and then we have the state Bureau 1294 01:12:36.479 --> 01:12:41.279 of Criminal Investigation BCI, and the background checks are controlled 1295 01:12:41.279 --> 01:12:41.840 by the state. 1296 01:12:41.960 --> 01:12:47.039 Is that right, bo, Yes, I made a few calls. 1297 01:12:47.119 --> 01:12:48.880 I talked to. 1298 01:12:48.920 --> 01:12:52.119 A field agent who is willing to talk to me yesterday, 1299 01:12:52.600 --> 01:12:57.760 and the ATF has no jurisdiction or power over these 1300 01:12:57.800 --> 01:13:01.680 background checks. That's through the car ratt a Bureau of Investigation, 1301 01:13:02.720 --> 01:13:07.279 and regarding the serial numbers. This, when a gun dealer 1302 01:13:07.439 --> 01:13:11.880 orders a gun, they know the serial number the gun 1303 01:13:12.479 --> 01:13:14.560 when they order it because they're ordering it from a 1304 01:13:14.600 --> 01:13:16.760 manufacturer or a master distributor. 1305 01:13:17.159 --> 01:13:19.760 So for these dealers to say, well, we don't want. 1306 01:13:19.680 --> 01:13:23.039 Wait a minute, but do you need a serial number 1307 01:13:23.439 --> 01:13:25.199 to run a background check? 1308 01:13:25.720 --> 01:13:29.359 I called the CBI this morning and no, you do not. 1309 01:13:30.520 --> 01:13:34.079 The background check is for the individual. 1310 01:13:33.760 --> 01:13:34.039 And it. 1311 01:13:35.680 --> 01:13:39.960 Is not required not required by this the CBI, they're 1312 01:13:40.000 --> 01:13:44.199 looking at the individual. On the federal side, the ATF 1313 01:13:44.640 --> 01:13:47.520 they control the serial number the gun. Now, when a 1314 01:13:47.520 --> 01:13:51.239 gun dealer calls into the CBI, they normally ask what 1315 01:13:51.359 --> 01:13:53.399 kind of gun? Is it a handgun or a rifle. 1316 01:13:53.479 --> 01:13:55.760 But the CBI told me they don't ask for the 1317 01:13:55.840 --> 01:13:59.319 serial number. But when the background check is completed, they 1318 01:13:59.399 --> 01:14:05.399 normally attached the background check approved to the forty four 1319 01:14:05.439 --> 01:14:09.600 of the federal form. So but the CBI does not 1320 01:14:09.720 --> 01:14:11.560 care about the serial number of the gun. They're just 1321 01:14:11.600 --> 01:14:14.039 trying to check the individual, which is the state law, 1322 01:14:14.159 --> 01:14:15.000 not the federal law. 1323 01:14:15.079 --> 01:14:19.840 So technically, before taking a deposit on a gun. They 1324 01:14:19.840 --> 01:14:22.239 could simply make you pay for the background check if 1325 01:14:22.239 --> 01:14:22.800 they wanted to. 1326 01:14:23.439 --> 01:14:27.199 Yes, I talked to three gun dealers this morning, and 1327 01:14:28.760 --> 01:14:31.880 all of them said, if you fail the background check, 1328 01:14:31.960 --> 01:14:34.199 you have to pay. I believe it's a fifty or 1329 01:14:34.239 --> 01:14:40.239 sixty dollars dollars denial fee if you fail the background check. 1330 01:14:40.840 --> 01:14:42.119 Now, one gun. 1331 01:14:43.359 --> 01:14:47.479 Gun shop was just quote, it's centennial. I think they're 1332 01:14:48.279 --> 01:14:53.159 upstanding shop. They said, if the person fails the background check, 1333 01:14:53.600 --> 01:14:56.079 they will if they buy the gun through the gun 1334 01:14:56.119 --> 01:14:58.600 shop or ordered in, they will give the customer their 1335 01:14:58.640 --> 01:14:59.199 money back. 1336 01:15:00.079 --> 01:15:02.359 Now, a couple of other gun shops I talked to. 1337 01:15:02.560 --> 01:15:05.319 Because they didn't yet buy it, because you can't. 1338 01:15:05.039 --> 01:15:06.159 Buy it until you pass. 1339 01:15:06.359 --> 01:15:10.199 They did not take possession of the firearm right so 1340 01:15:10.399 --> 01:15:13.159 if they paid for it, and if they can't take possession, 1341 01:15:13.479 --> 01:15:15.680 well the gun shop can't keep the gun and the 1342 01:15:15.760 --> 01:15:19.119 money from the individual. But Tom, there are two deals 1343 01:15:19.800 --> 01:15:22.199 big shops here in town that told me if a 1344 01:15:22.239 --> 01:15:26.239 person fails the background check that they they're going to 1345 01:15:26.319 --> 01:15:28.199 keep the they're going to keep they're not going to 1346 01:15:28.199 --> 01:15:29.640 give them the gun, of course, but they're going to 1347 01:15:29.760 --> 01:15:33.079 keep the purchase price. And I just don't think that's right. 1348 01:15:34.119 --> 01:15:37.239 And these dealers say, well, it's the law. Well, it's 1349 01:15:37.319 --> 01:15:41.000 not not the law. It's the business practice of a dealer. 1350 01:15:41.520 --> 01:15:45.199 In my opinion, if a dealer takes a deposit on 1351 01:15:45.239 --> 01:15:49.920 a gun or payment on a gun and runs a 1352 01:15:49.960 --> 01:15:54.239 background check and you don't pass the background check and 1353 01:15:54.319 --> 01:15:58.119 they keep all of the money, they are screwing you 1354 01:15:58.199 --> 01:15:59.239 and defrauding you. 1355 01:15:59.479 --> 01:16:00.399 That's my opinion. 1356 01:16:00.600 --> 01:16:03.239 And it has nothing to do with the ATF. 1357 01:16:02.760 --> 01:16:05.880 Law they pay caause has anybody tested that with a 1358 01:16:05.920 --> 01:16:09.840 credit card company? In other words, if you buy the 1359 01:16:09.880 --> 01:16:12.560 gun with a credit card and you don't get it, 1360 01:16:12.600 --> 01:16:15.279 has anyone called the credit card company and said, I 1361 01:16:15.399 --> 01:16:17.720 never got the item. I want you to take it 1362 01:16:17.720 --> 01:16:19.119 off my credit card? 1363 01:16:20.680 --> 01:16:22.239 Uh huh, I don't know about it. 1364 01:16:22.279 --> 01:16:23.720 Doc has a valid point. 1365 01:16:23.800 --> 01:16:26.399 If the person goes in and pays for the deposit 1366 01:16:26.560 --> 01:16:29.800 or that pays for the entire gun upfront, which a 1367 01:16:29.920 --> 01:16:31.479 dealer is going to want to do if they have 1368 01:16:31.520 --> 01:16:33.680 to order it. If they pay the credit card and 1369 01:16:34.239 --> 01:16:36.960 they get denied on the background shit, they can contest 1370 01:16:37.000 --> 01:16:37.520 the credit. 1371 01:16:38.239 --> 01:16:38.439 Yeah. 1372 01:16:38.439 --> 01:16:41.279 Well, first of all, don't do business. Don't do business 1373 01:16:41.359 --> 01:16:44.720 with anyone who makes you pay for the gun and 1374 01:16:44.840 --> 01:16:48.119 won't refund the money if you fail the background don't 1375 01:16:48.159 --> 01:16:51.760 ever do it, Okay, don't ever do business with gun 1376 01:16:51.800 --> 01:16:52.720 dealers who do that. 1377 01:16:53.159 --> 01:16:54.199 A gun dealer. 1378 01:16:53.920 --> 01:16:56.640 Should take a deposit or excuse me, a gun dealer 1379 01:16:56.720 --> 01:16:59.640 can charge you anything they want on the hope you're 1380 01:16:59.640 --> 01:17:02.479 gonna pay ass and take delivery. But if you don't 1381 01:17:02.479 --> 01:17:06.000 take delivery, there's no way they should keep your money. 1382 01:17:06.039 --> 01:17:06.479 No way. 1383 01:17:06.680 --> 01:17:09.239 There's no law that says they have to. There's no 1384 01:17:09.399 --> 01:17:12.439 law that says it's a refund. All of that information 1385 01:17:12.720 --> 01:17:16.199 is wrong. It is not a purchase until you take delivery. 1386 01:17:16.600 --> 01:17:19.920 And that's what the and we checked with the ATF 1387 01:17:20.000 --> 01:17:23.279 and with the BCI. So basically, you do not need 1388 01:17:23.319 --> 01:17:26.399 a serial number for the background check to make it valid, 1389 01:17:26.640 --> 01:17:28.640 and you do not have to buy the gun to 1390 01:17:28.640 --> 01:17:29.359 make it valid. 1391 01:17:29.560 --> 01:17:30.760 It's a bunch of crap. 1392 01:17:30.960 --> 01:17:33.199 We had a dealer one time tell us a few 1393 01:17:33.279 --> 01:17:35.720 years ago, he went to prison. He was telling us 1394 01:17:35.960 --> 01:17:37.560 that you buy the gun. 1395 01:17:38.079 --> 01:17:41.079 Okay, you buy the gun, you do the background check. 1396 01:17:41.319 --> 01:17:44.119 If you fail the background check, since you bought the gun, 1397 01:17:44.119 --> 01:17:45.960 they can't give you a refund. They're going to keep it. 1398 01:17:46.199 --> 01:17:48.000 He went to jail. Now, not for that. But for 1399 01:17:48.039 --> 01:17:49.760 that and a lot of other stuff. Now here's the 1400 01:17:49.800 --> 01:17:53.720 bottom line. You don't buy the gun. You can't buy 1401 01:17:53.720 --> 01:17:58.079 the gun until you pass the background So you know, 1402 01:17:58.520 --> 01:18:01.640 I'm sorry gun dealers, but so once we're keeping your money. 1403 01:18:01.960 --> 01:18:04.399 If you fail a background check, if that has happened 1404 01:18:04.439 --> 01:18:06.159 to you, you have been screwed. 1405 01:18:06.239 --> 01:18:07.319 You have been defrauded. 1406 01:18:07.720 --> 01:18:11.439 Any dealer, anyone who sells a gun and says you 1407 01:18:11.520 --> 01:18:13.359 must pay for it and you're not going to get 1408 01:18:13.399 --> 01:18:15.840 your money back, do not do business with them. 1409 01:18:16.079 --> 01:18:18.760 They are wrong. Okay, they are absolutely wrong. 1410 01:18:19.039 --> 01:18:22.760 They can qualify you before they order the gun. They 1411 01:18:22.760 --> 01:18:25.760 don't have to order the gun first. They can first 1412 01:18:25.840 --> 01:18:29.640 qualify you and make sure you're in a pass then 1413 01:18:29.720 --> 01:18:32.359 they can order the gun, or they can do it 1414 01:18:32.399 --> 01:18:33.720 the other way around if they want. 1415 01:18:34.640 --> 01:18:35.199 That's right. 1416 01:18:35.560 --> 01:18:38.439 And Tom, I want to point out the ATF Asian 1417 01:18:38.560 --> 01:18:41.119 I talked to, said they get a lot of complaints 1418 01:18:41.199 --> 01:18:44.560 into their office about this practice, and they think the 1419 01:18:44.600 --> 01:18:47.000 ATF can do something about these refunds. 1420 01:18:47.000 --> 01:18:48.640 But that is a business pres We. 1421 01:18:48.640 --> 01:18:50.600 Need to do a class action, not a class action 1422 01:18:50.680 --> 01:18:53.319 because they're all different gun dealers, but we need. 1423 01:18:53.239 --> 01:18:54.279 To do a test case. 1424 01:18:54.800 --> 01:19:02.680 So because if anybody out there, anyone who has has 1425 01:19:02.760 --> 01:19:07.640 been denied a refund, I want to know anyone. 1426 01:19:07.680 --> 01:19:08.640 I'd like to know too. 1427 01:19:08.640 --> 01:19:11.760 And out of the three gunshops Centennial Gun Club out 1428 01:19:11.760 --> 01:19:14.800 here on this side of town, they're the only gun 1429 01:19:14.840 --> 01:19:16.880 shop that I talked to out of three that are 1430 01:19:16.920 --> 01:19:19.239 willing to give a refund if someone is denied on 1431 01:19:19.319 --> 01:19:20.039 it on the check. 1432 01:19:20.119 --> 01:19:21.760 You mean, all the rest of them keep the money. 1433 01:19:21.840 --> 01:19:24.159 I'm gonna tell you right up front. The Denver Gun 1434 01:19:24.239 --> 01:19:28.199 Room and Green Mountain Guns told me that they will 1435 01:19:28.279 --> 01:19:30.479 keep the money if you are denied on. 1436 01:19:30.479 --> 01:19:31.560 The on the check. 1437 01:19:31.920 --> 01:19:34.000 And I think the Denver Gun Room told me if 1438 01:19:34.000 --> 01:19:37.039 I get the night on the check that David. 1439 01:19:37.079 --> 01:19:38.560 They would call and have me arrested. 1440 01:19:39.039 --> 01:19:40.159 Why, I don't know. 1441 01:19:40.199 --> 01:19:42.359 I said, Look, all I want to know is where 1442 01:19:42.399 --> 01:19:44.680 you refund the money. Well, if you're denied, we're just 1443 01:19:44.720 --> 01:19:46.960 gonna call the cops and have you arrested. 1444 01:19:47.000 --> 01:19:48.119 I thought they were total er. 1445 01:19:48.319 --> 01:19:50.920 Well I guess, well, no, if you lied, I guess 1446 01:19:51.000 --> 01:19:51.600 they could. 1447 01:19:52.159 --> 01:19:54.119 I mean, you know, if you lied on the form. 1448 01:19:54.520 --> 01:19:56.840 But sometimes people don't know, they're not good. 1449 01:19:56.880 --> 01:19:58.439 They don't know it's an innocent thing. 1450 01:19:58.680 --> 01:20:01.039 Something could have happened and they're last twenty years ago 1451 01:20:01.199 --> 01:20:04.239 that they like they forgot, you're riot that called any 1452 01:20:04.319 --> 01:20:07.359 other day. We're chopper helped out getting his money some 1453 01:20:07.560 --> 01:20:11.279 harassment charge that he probably forgot right now. 1454 01:20:11.279 --> 01:20:13.000 Now here's I want to point out. 1455 01:20:13.479 --> 01:20:15.640 And by the way, by the way, even if you 1456 01:20:15.760 --> 01:20:20.319 did line your background, I mean that is that. 1457 01:20:20.000 --> 01:20:22.880 That is a crime, but that still doesn't give them 1458 01:20:22.920 --> 01:20:24.159 the right to keep your money. 1459 01:20:24.920 --> 01:20:26.359 No, absolutely not. 1460 01:20:28.920 --> 01:20:29.199 Credit. 1461 01:20:29.279 --> 01:20:33.079 You can be denied for a gun. So there's a 1462 01:20:33.079 --> 01:20:34.880 lot of reasons why you can get denied. 1463 01:20:34.960 --> 01:20:35.640 That's not right. 1464 01:20:36.119 --> 01:20:39.000 Wow, Okay, let's let's talk to Glade, who has a comment? 1465 01:20:39.079 --> 01:20:40.520 Go ahead, Glade, what's your comment? 1466 01:20:41.239 --> 01:20:41.439 Hey? 1467 01:20:41.479 --> 01:20:41.720 Tom? 1468 01:20:41.800 --> 01:20:42.439 Hi Tom? 1469 01:20:42.840 --> 01:20:47.560 Hey, Hey, what I've always wondered, If you have a 1470 01:20:47.600 --> 01:20:52.279 CCW and you've gone through the background check, which was 1471 01:20:52.399 --> 01:20:56.119 much more stringent than any background check for buying a gun, 1472 01:20:57.520 --> 01:21:00.319 why do you need another background check every time you 1473 01:21:00.359 --> 01:21:00.920 buy a gun? 1474 01:21:01.560 --> 01:21:04.880 I don't in case, in case something in case something 1475 01:21:04.920 --> 01:21:05.720 new came up. 1476 01:21:06.880 --> 01:21:10.640 Well, if something new came up a restraining order, wouldn't 1477 01:21:10.640 --> 01:21:12.960 they come after you after you? Wouldn't they come after 1478 01:21:13.000 --> 01:21:14.239 your I. 1479 01:21:14.279 --> 01:21:17.359 Have no idea that I don't know about, but I 1480 01:21:17.399 --> 01:21:20.239 don't mind you doing a background check every time you 1481 01:21:20.239 --> 01:21:20.800 buy a gun. 1482 01:21:20.840 --> 01:21:23.079 I don't mind that. I guess well. 1483 01:21:23.000 --> 01:21:25.560 It's I mean, there's as high as fifty dollars. 1484 01:21:25.600 --> 01:21:27.800 Now it's a state law. 1485 01:21:27.960 --> 01:21:28.880 Why do I need a. 1486 01:21:28.880 --> 01:21:30.239 Fifty It's a state law. 1487 01:21:30.359 --> 01:21:32.720 You have to do it on every gun purchase. Now, 1488 01:21:32.760 --> 01:21:35.560 you can go into a gun shop and order ten 1489 01:21:35.680 --> 01:21:39.119 firearms and you're only going to do the one background 1490 01:21:39.199 --> 01:21:42.319 check because it's a one time purchase for ten. But 1491 01:21:42.399 --> 01:21:44.520 if you go in a week later and by or 1492 01:21:44.600 --> 01:21:47.479 the next day and buy a firearm, that's the you're 1493 01:21:47.520 --> 01:21:50.800 going to be submitting another background check. 1494 01:21:51.920 --> 01:21:54.880 All right, hold on, let me let me basically, I mean, Glade, 1495 01:21:54.880 --> 01:21:56.880 that's the law. I mean, I don't know why. I 1496 01:21:57.239 --> 01:21:59.439 really don't. Steve, what's your comment? 1497 01:21:59.520 --> 01:22:00.279 Go ahead? Eve? 1498 01:22:01.720 --> 01:22:03.960 I think my comment is is, so, let's let's say 1499 01:22:04.000 --> 01:22:05.159 you have a conceiled carry. 1500 01:22:05.279 --> 01:22:06.720 You went through all the all. 1501 01:22:06.800 --> 01:22:09.439 That's what this guy was just saying. Did you hear him? Yeah? 1502 01:22:09.520 --> 01:22:12.720 Go ahead, Yeah, So you have your consil carry, You've 1503 01:22:12.720 --> 01:22:17.000 already you've already shown that you have no record, and 1504 01:22:17.159 --> 01:22:18.239 so now you look at it. 1505 01:22:18.119 --> 01:22:20.279 As like, well, why do I need another one? I 1506 01:22:20.279 --> 01:22:23.600 can show you my conceal carry I've done, I've done. 1507 01:22:23.479 --> 01:22:24.000 And Steve. 1508 01:22:24.079 --> 01:22:26.479 The only thing I can think, the only thing I 1509 01:22:26.520 --> 01:22:29.000 can think of is if you leave and come back, 1510 01:22:29.039 --> 01:22:32.359 it's a second purchase, and the purchase has to be 1511 01:22:32.840 --> 01:22:34.520 a run through background. Again. 1512 01:22:34.920 --> 01:22:37.680 Why the only reason I can say it's state law. 1513 01:22:38.039 --> 01:22:40.760 And why is the state law that way? Maybe in 1514 01:22:40.880 --> 01:22:44.560 case something happened from the last check. You know, so 1515 01:22:44.840 --> 01:22:47.439 from the time you got your concealed Carrie, let's say 1516 01:22:47.640 --> 01:22:49.560 you had another charge in between. 1517 01:22:51.199 --> 01:22:52.960 Sure, that's why they do them. 1518 01:22:53.000 --> 01:22:55.159 I mean, see, that could be the reason, is what 1519 01:22:55.199 --> 01:22:56.640 I'm saying. I'm not saying it is. 1520 01:22:56.880 --> 01:22:59.199 I don't know enough about this, but I do know 1521 01:22:59.359 --> 01:23:02.199 enough to know that it didn't sound right and we 1522 01:23:02.319 --> 01:23:05.880 checked with the authorities, and it's wrong. You do not 1523 01:23:06.119 --> 01:23:08.479 have to have a gun purchase to have a background. 1524 01:23:08.720 --> 01:23:12.279 You can do a background before a purchase and refund 1525 01:23:12.319 --> 01:23:13.880 every dime to the consumer. 1526 01:23:14.119 --> 01:23:17.000 You don't have to be out a dollar. And it's wrong. 1527 01:23:17.439 --> 01:23:21.279 Now now I'm not talking about refunding guns when someone 1528 01:23:21.560 --> 01:23:23.600 takes a gun back to the gun store. 1529 01:23:24.600 --> 01:23:25.640 That they can't. 1530 01:23:25.920 --> 01:23:29.319 It's against federal law to refund and to take a 1531 01:23:29.359 --> 01:23:29.840 gun back. 1532 01:23:29.920 --> 01:23:30.239 It is. 1533 01:23:30.800 --> 01:23:34.560 Now you can buy a gun from someone you cannot 1534 01:23:34.680 --> 01:23:35.800 refund the purchase. 1535 01:23:35.880 --> 01:23:37.920 I don't know. You can't, You're not allowed to. 1536 01:23:38.359 --> 01:23:42.760 But you can run a background check before a gun 1537 01:23:42.800 --> 01:23:46.199 purchase and refund every dime to the consumer. And the 1538 01:23:46.279 --> 01:23:50.960 gun shops who tell you there are no refunds, they're correct, 1539 01:23:51.000 --> 01:23:54.000 there are no refunds on the purchase, but there is 1540 01:23:54.079 --> 01:23:58.199 no purchase until you pass a background So they're screwing 1541 01:23:58.239 --> 01:24:01.359 you if they keep your money out and out defrauding you. 1542 01:24:01.720 --> 01:24:04.159 I'm Tom Martino. We have more coming up. I want 1543 01:24:04.159 --> 01:24:05.640 to tell you eight eight eight heating dot. 1544 01:24:05.520 --> 01:24:08.880 Com check your AC right now. They do high efficiency 1545 01:24:08.920 --> 01:24:11.079 ACS and in fact, if you have a solar system, 1546 01:24:11.319 --> 01:24:13.880 they can do a hybrid system with electrical eight eight 1547 01:24:13.960 --> 01:24:22.199 eight heating dot Com. Go with a sure thing Denver's 1548 01:24:22.239 --> 01:24:24.520 best roofer Excel Roofing dot Com. 1549 01:24:24.560 --> 01:24:26.600 You don't pay a cent until you're content. 1550 01:24:29.960 --> 01:24:33.520 Time for an insurance checkup, free no obligation comparison call 1551 01:24:33.600 --> 01:24:36.920 Compass Insurance paying too much your coverage at dozens of 1552 01:24:36.960 --> 01:24:39.600 insurance companies find out now three O three, seven to 1553 01:24:39.680 --> 01:24:42.479 seven to one help. You'll think you're his only customer 1554 01:24:42.520 --> 01:24:44.760 when you choose Frank durand the real estate man dot 1555 01:24:44.800 --> 01:24:48.119 Com to list your home with Remax Alliance three oh 1556 01:24:48.159 --> 01:24:50.119 three nine two zero sixteen twenty two. 1557 01:24:53.640 --> 01:24:54.600 I'm Tom Martino. 1558 01:24:54.720 --> 01:24:56.680 We have probid Energy dot Com in the house with 1559 01:24:56.760 --> 01:24:59.800 US solar dealers and installers. And and by the way, 1560 01:25:01.119 --> 01:25:03.359 we've been talking about this gun situation. Let me just 1561 01:25:03.439 --> 01:25:05.119 sum it up real quick and then get the owner 1562 01:25:05.119 --> 01:25:08.000 of the gun room on because I want to hear 1563 01:25:08.039 --> 01:25:11.159 from owners. And I'm getting text from owners of gun 1564 01:25:11.199 --> 01:25:14.399 shops and also owners who say or people who say 1565 01:25:14.439 --> 01:25:18.119 they're federal firearms dealers, and they say, for the most 1566 01:25:18.119 --> 01:25:20.800 of them agree with me that some of them, here's 1567 01:25:20.840 --> 01:25:24.560 what they say. They do not sell a gun until 1568 01:25:24.680 --> 01:25:29.720 after someone passes a background check. So therefore, if they 1569 01:25:29.840 --> 01:25:35.680 don't pass the background check, they don't keep the money 1570 01:25:35.800 --> 01:25:40.960 for the gun. Some keep a deposit because they and 1571 01:25:41.000 --> 01:25:44.680 they call it a restocking fee because if they had 1572 01:25:44.680 --> 01:25:47.479 to order the gun in they now have an extra 1573 01:25:47.800 --> 01:25:50.600 gun in inventory they may have not had before. 1574 01:25:51.000 --> 01:25:51.800 And I don't mind that. 1575 01:25:52.000 --> 01:25:56.079 I do not mind if you tell someone, hey, if 1576 01:25:56.119 --> 01:25:59.479 you don't pass the background and I order this gun, 1577 01:26:00.039 --> 01:26:01.479 you're gonna have to pay restocking. 1578 01:26:01.640 --> 01:26:02.319 I don't mind that. 1579 01:26:02.920 --> 01:26:06.399 The problem that I have is when a gun dealer 1580 01:26:07.520 --> 01:26:10.760 takes your money in full for the gun plus the 1581 01:26:10.760 --> 01:26:15.000 background check. You fail the background check and they say 1582 01:26:15.079 --> 01:26:18.680 to you, you don't get a gun, and I keep 1583 01:26:18.760 --> 01:26:19.560 all your money. 1584 01:26:19.880 --> 01:26:26.039 That bothers me, and that is not what federal law dictates. 1585 01:26:26.720 --> 01:26:32.520 Federal law says you can't take a firearm back and 1586 01:26:32.560 --> 01:26:37.560 give refunds on firearms once the sale is consummated, but 1587 01:26:38.680 --> 01:26:43.199 both ATF and BCI said the sale is not consummated 1588 01:26:43.840 --> 01:26:48.920 until the background check has passed. So Wayne, go ahead. 1589 01:26:49.039 --> 01:26:51.359 I just wanted you to know what was said. And 1590 01:26:51.399 --> 01:26:54.399 then I think your store was mentioned. 1591 01:26:54.279 --> 01:26:56.560 By bo Deputy Bow. He said he. 1592 01:26:56.600 --> 01:26:59.840 Talked to three or four gun owner shops, a gunshop 1593 01:26:59.880 --> 01:27:03.279 on owners and I think he did mention you guys. 1594 01:27:03.319 --> 01:27:06.880 Go ahead, Wayne, Well, thanks for having me on Tom. 1595 01:27:07.239 --> 01:27:11.359 Yes, Wayne, Yeah, we do get the periodic denials and 1596 01:27:11.640 --> 01:27:15.119 because of the waiting period, we do collect full payment. Yeah, 1597 01:27:15.439 --> 01:27:18.119 and that includes the twelve dollars and fifty cent background 1598 01:27:18.199 --> 01:27:21.439 checkte and we'll put the gun in the back and 1599 01:27:21.600 --> 01:27:25.800 sometimes we get immediate answers from CBI. Sometimes it might 1600 01:27:25.840 --> 01:27:28.119 be a day, and of course we have to wait 1601 01:27:28.479 --> 01:27:31.239 until a fourth day to transfer the firearm due to 1602 01:27:31.279 --> 01:27:35.279 the three day weight. Now our sore policy and we 1603 01:27:35.319 --> 01:27:37.279 have a sign right behind our door is that we 1604 01:27:37.359 --> 01:27:41.000 have a fifty dollars denial. See and I hope you 1605 01:27:41.039 --> 01:27:42.000 will I understand. 1606 01:27:42.000 --> 01:27:44.720 I understand that, I completely understand. 1607 01:27:44.359 --> 01:27:49.840 Right, yeah, yeah, So essentially, when we take payment from customers, 1608 01:27:49.920 --> 01:27:52.600 it shows as a credit and their profile, and like 1609 01:27:52.640 --> 01:27:56.000 you said, the consummation of it is the transfer piece. Right, 1610 01:27:56.800 --> 01:27:59.359 A background check approval is one thing, but until they 1611 01:27:59.399 --> 01:28:03.720 actually reach see the firearm, it's not legally transferred. 1612 01:28:03.279 --> 01:28:04.439 By the ATF rules. 1613 01:28:04.439 --> 01:28:06.119 So it could be on the fourth day, could be 1614 01:28:06.159 --> 01:28:08.760 on the tenth day, right, just within the thirty days 1615 01:28:08.920 --> 01:28:12.479 that that background check is open for. But so essentially 1616 01:28:12.600 --> 01:28:15.239 customers get full refunds minus the sixty. 1617 01:28:14.960 --> 01:28:17.119 Two dollars and fifty cents from the gun room. 1618 01:28:17.199 --> 01:28:19.800 So the fifty dollars just covers our time. And then 1619 01:28:19.800 --> 01:28:21.880 of course that twelve dollars and fifty cents is a 1620 01:28:21.920 --> 01:28:24.600 hard cost from Colorado Bureau of Investigation. 1621 01:28:25.199 --> 01:28:27.479 Good and but you don't buy it. You don't just 1622 01:28:27.560 --> 01:28:30.319 keep one of the gun purchase, right. 1623 01:28:30.720 --> 01:28:31.800 Gosh no, no. 1624 01:28:31.840 --> 01:28:34.560 In fact, I've had one bad review from the customer 1625 01:28:34.600 --> 01:28:36.560 because they wouldn't hold the gun for more than thirty 1626 01:28:36.640 --> 01:28:41.199 days because people can appeal, and we regularly get customers back. 1627 01:28:41.560 --> 01:28:45.000 I'll get emails. Hey, this reversal turn to approval, so 1628 01:28:45.039 --> 01:28:47.039 we'll call the customer. He come on in if we 1629 01:28:47.079 --> 01:28:50.159 still have the gun. But at that point we've refunded money, 1630 01:28:50.199 --> 01:28:51.600 so there's no reason to hold the gun. 1631 01:28:52.279 --> 01:28:52.680 Okay. 1632 01:28:53.159 --> 01:28:56.399 There has been a few situations where customers will say, 1633 01:28:56.439 --> 01:28:59.000 I'm going to get this overturned, keep my money, hold 1634 01:28:59.000 --> 01:29:00.119 the gun. 1635 01:29:00.279 --> 01:29:00.479 Yeah. 1636 01:29:00.560 --> 01:29:03.000 We'll do that, of course only for length of time 1637 01:29:03.039 --> 01:29:05.359 because we have consignment guns too. I don't want to 1638 01:29:05.399 --> 01:29:08.920 keep a gun on the shelf that may be transferred 1639 01:29:09.319 --> 01:29:12.279 and withhold the billage to sell it so that consigner 1640 01:29:12.359 --> 01:29:13.079 can get paid. 1641 01:29:13.760 --> 01:29:16.479 But you do know, Wayne, there are there are gun 1642 01:29:16.520 --> 01:29:20.520 shop owners that keep all of the money if someone 1643 01:29:20.600 --> 01:29:24.359 fails the background check, even though the gun was never delivered. 1644 01:29:26.119 --> 01:29:26.800 That's not right. 1645 01:29:27.560 --> 01:29:29.560 I mean we're in agreement. 1646 01:29:30.800 --> 01:29:33.319 Yes, absolutely, we are an agreement, Tom. 1647 01:29:33.680 --> 01:29:35.359 Yeah, and I appreciate it. Thank you. 1648 01:29:37.039 --> 01:29:39.399 And again, like I said, I think you know I'm not. 1649 01:29:40.359 --> 01:29:42.399 I don't think you said anything bad about your shop 1650 01:29:42.439 --> 01:29:44.720 at all. We were just giving the different policies of 1651 01:29:44.800 --> 01:29:49.920 different shops. But we have another text here of a 1652 01:29:49.960 --> 01:29:54.680 guy who says the cost of a background check varies 1653 01:29:54.720 --> 01:29:59.359 depending on the shop, because some dealers charge as little as, 1654 01:29:59.479 --> 01:30:02.319 let's see, thirteen bucks, some charge fifteen. 1655 01:30:02.359 --> 01:30:04.039 I don't know is that true. How much did they. 1656 01:30:04.000 --> 01:30:09.720 Charge stop cost from CBI is we get charged twelve 1657 01:30:09.760 --> 01:30:11.039 dollars and fifty cents. 1658 01:30:11.119 --> 01:30:14.720 And I believe shops can charge whatever they want. 1659 01:30:15.000 --> 01:30:15.760 Of course they can. 1660 01:30:17.039 --> 01:30:18.840 Our fee is what we get charged. 1661 01:30:18.880 --> 01:30:23.359 It's just more transparency in how we operate and do business. 1662 01:30:24.359 --> 01:30:27.319 How long you've been in business? You know? 1663 01:30:27.399 --> 01:30:30.319 The gun Room's been open since nineteen eighty two, and 1664 01:30:30.399 --> 01:30:33.720 I'm the third owner. We've been in this same location 1665 01:30:33.840 --> 01:30:36.119 since ninety four. It's been a kind of a staple 1666 01:30:36.520 --> 01:30:39.560 in Colorado. It's a it's kind of a fun shop. 1667 01:30:39.600 --> 01:30:41.520 I've been owner for a little over two and a 1668 01:30:41.520 --> 01:30:42.239 half years now. 1669 01:30:43.359 --> 01:30:47.880 When was the biggest year for gun sales? I'm just curious. 1670 01:30:48.199 --> 01:30:52.079 I would have to assume the COVID year. Oh really, okay, 1671 01:30:52.640 --> 01:30:57.600 the financials that I saw from the prior owner. But 1672 01:30:57.960 --> 01:31:00.359 prior to that, I haven't seen financials. I wouldn't I 1673 01:31:00.359 --> 01:31:01.800 would be guessing at that point. 1674 01:31:03.039 --> 01:31:06.239 I was just curious if things affect gun sales like 1675 01:31:06.479 --> 01:31:09.640 presidential presidential racist election years. 1676 01:31:10.359 --> 01:31:12.880 Do they they do? 1677 01:31:13.000 --> 01:31:15.399 April was one of our better months since I bought 1678 01:31:15.399 --> 01:31:17.520 the shop, and that was there was a lot of 1679 01:31:17.600 --> 01:31:20.600 rhetoric in Colorado and talk of a semi automatic van 1680 01:31:21.279 --> 01:31:24.359 and guns did move quite a bit at a higher 1681 01:31:24.359 --> 01:31:30.199 clip during that month. I think that we've been building inventory. 1682 01:31:30.319 --> 01:31:32.520 I expect to be a bump here with the election. 1683 01:31:34.199 --> 01:31:36.680 I think people are kind of waiting to see where 1684 01:31:36.720 --> 01:31:39.640 we're gonna be, and I think for the most part, 1685 01:31:39.640 --> 01:31:44.399 people are struggling financially. It's been from what I've heard 1686 01:31:44.399 --> 01:31:47.600 from other owners, this is the slowest summer in gun 1687 01:31:47.640 --> 01:31:49.359 sales in Colorado and sometimes. 1688 01:31:50.000 --> 01:31:52.119 But I want to clarify too what I read about 1689 01:31:52.159 --> 01:31:55.960 federal law. Once they take that gun and walk out 1690 01:31:56.000 --> 01:31:58.119 the store, there is no refund on that right. 1691 01:31:59.479 --> 01:32:00.159 That is correct. 1692 01:32:00.159 --> 01:32:02.760 All sales are final, and you find that very consistent 1693 01:32:02.800 --> 01:32:06.079 in the industry, whether it's a brand new gun or 1694 01:32:06.079 --> 01:32:07.039 a used gun. 1695 01:32:06.840 --> 01:32:07.880 There's no warranty. 1696 01:32:08.159 --> 01:32:11.119 Is brand new guns, if there's a problem, they say, well, 1697 01:32:11.319 --> 01:32:13.800 call Ruger or call whoever in the MANUFA. 1698 01:32:14.319 --> 01:32:17.720 Now if they're if some good, go ahead. If someone 1699 01:32:17.760 --> 01:32:19.720 wants to sell a gun, though they want to get 1700 01:32:19.800 --> 01:32:22.000 rid of a gun, can they take it in? And 1701 01:32:22.079 --> 01:32:23.399 can you buy a gun. 1702 01:32:25.399 --> 01:32:29.800 As an FFL. We can buy guns consigned guns, but 1703 01:32:29.880 --> 01:32:31.960 you can't sell them to individuals they have that has 1704 01:32:32.000 --> 01:32:33.640 to be transferred through an FFL. 1705 01:32:34.479 --> 01:32:37.800 Okay, thank you very much. We really appreciated the gun 1706 01:32:37.840 --> 01:32:38.279 room owner. 1707 01:32:38.319 --> 01:32:39.279 We got more coming up. 1708 01:32:44.199 --> 01:32:47.479 Go with a sure thing Denver's Best roofer Excel Roofing 1709 01:32:47.560 --> 01:32:50.199 dot com. You don't pay a cent until you're content. 1710 01:32:53.560 --> 01:32:56.760 Time for an insurance check up free, no obligation. In comparison, 1711 01:32:56.880 --> 01:33:00.560 call Compass Insurance. Pay too much your coverage? Dozens of 1712 01:33:00.560 --> 01:33:03.520 insurance companies find out now three all three seven seven 1713 01:33:03.560 --> 01:33:06.319 to one help. You'll think you're his only customer when 1714 01:33:06.319 --> 01:33:08.840 you choose Frank durand the real estate Man dot com 1715 01:33:08.840 --> 01:33:11.920 to list your home with Remax Alliance three all three 1716 01:33:12.039 --> 01:33:22.159 nine two zero sixteen twenty two. Hi Tom Martino, your 1717 01:33:22.399 --> 01:33:26.159 troubleshooter three O three seven one three talk three O 1718 01:33:26.279 --> 01:33:29.159 three seven one three eight two five five. Let me 1719 01:33:29.760 --> 01:33:32.800 go back to the phones for having a very spirited 1720 01:33:32.840 --> 01:33:37.039 discussion on UH gun purchases The right way the wrong way. 1721 01:33:37.119 --> 01:33:45.079 Richard has a comment. Go ahead, Richard, Richard, is he 1722 01:33:45.159 --> 01:33:46.920 still on or not. If not, I'll go on to 1723 01:33:47.000 --> 01:33:51.159 someone else. Oh he's gone. Okay, Richard, you got to 1724 01:33:51.199 --> 01:33:52.840 hang out, bro. It takes a little while to get 1725 01:33:52.880 --> 01:33:54.920 to you. I'm gonna go to Ron about his apartment. 1726 01:33:55.000 --> 01:33:55.960 Him. Ron, what's going on? 1727 01:33:56.039 --> 01:33:58.000 RONI? How you doing? 1728 01:33:58.039 --> 01:33:59.359 Tom? 1729 01:33:59.399 --> 01:34:00.279 What's going on on? 1730 01:34:02.920 --> 01:34:06.239 I just moved into an apartment. They end of sept 1731 01:34:06.560 --> 01:34:12.479 Timber and the ahv AC unit on the ceiling started leaking, 1732 01:34:13.279 --> 01:34:16.159 and I of court was called the maintenance and the landlord. 1733 01:34:16.560 --> 01:34:18.840 They had maintenance come look at it. They replaced the 1734 01:34:18.840 --> 01:34:20.640 whole unit. They started leaking again. 1735 01:34:21.039 --> 01:34:23.039 Wait a minute, it was leaking. Where where where's it 1736 01:34:23.159 --> 01:34:23.760 leaking from. 1737 01:34:25.439 --> 01:34:27.920 It's one of these ceiling units that's the central air 1738 01:34:27.960 --> 01:34:29.520 and heating, And that. 1739 01:34:29.560 --> 01:34:31.880 Doesn't make sense if they replaced the whole unit, so 1740 01:34:31.920 --> 01:34:34.560 it wasn't leaking and the unit's probably leaking from one 1741 01:34:34.600 --> 01:34:36.439 of the condensation lines or something. 1742 01:34:38.479 --> 01:34:41.199 Yeah, they checked it. They called in. I guess they 1743 01:34:41.199 --> 01:34:44.399 have a third party vendor. They worked through. They took 1744 01:34:44.399 --> 01:34:46.680 the whole unit out and replaced it or replaced something 1745 01:34:46.720 --> 01:34:47.479 to do with the coal. 1746 01:34:47.600 --> 01:34:49.600 The way it's how bad is the water coming into 1747 01:34:49.680 --> 01:34:50.159 your place? 1748 01:34:51.640 --> 01:34:53.840 Well, the last flood was August twenty eighth. 1749 01:34:53.960 --> 01:34:54.840 Way, wait, whoa, whoa, whoa. 1750 01:34:54.840 --> 01:34:57.479 Woh, you use the word you use the word flood. 1751 01:34:57.800 --> 01:35:01.199 My god, acs don't have that much water. What do 1752 01:35:01.279 --> 01:35:02.000 you mean flood? 1753 01:35:04.000 --> 01:35:06.039 Some kind of way to have this wired from the 1754 01:35:06.079 --> 01:35:08.680 hot water heater up to the wait wait. 1755 01:35:08.520 --> 01:35:09.880 Wait, you don't. 1756 01:35:09.520 --> 01:35:10.319 You don't. 1757 01:35:10.640 --> 01:35:12.800 You don't put water into an air conditioner. 1758 01:35:14.800 --> 01:35:17.680 Yeah, Tom, I can't explain how they have it wired up. 1759 01:35:17.560 --> 01:35:20.000 But well they don't have it first of all. Okay, 1760 01:35:20.239 --> 01:35:23.039 I don't know how they have it plumbed. But nothing 1761 01:35:23.319 --> 01:35:25.000 in an AC takes water. 1762 01:35:25.279 --> 01:35:25.680 Nothing. 1763 01:35:25.880 --> 01:35:29.960 Is it a mini split heat pump that wouldn't take water? 1764 01:35:30.479 --> 01:35:37.039 They you know, when you said flood, you had water 1765 01:35:37.119 --> 01:35:42.399 come into your apartment water water, and the water's coming 1766 01:35:42.600 --> 01:35:47.800 Hold on, the water's coming from your ceiling. Yeah, And 1767 01:35:47.920 --> 01:35:51.720 why are you thinking it's coming from the AC. 1768 01:35:54.399 --> 01:35:56.920 Because when I turned the AC on at night, when 1769 01:35:56.960 --> 01:35:59.319 I was turning the central air on, it was dripping 1770 01:35:59.720 --> 01:36:03.000 on the floor. And I told him about that. The 1771 01:36:03.039 --> 01:36:05.640 main is He said it was condensation is the. 1772 01:36:07.520 --> 01:36:08.640 Well, hold on, hold on. 1773 01:36:09.079 --> 01:36:12.479 The condensation would leak, but it wouldn't flood. 1774 01:36:13.800 --> 01:36:14.600 It wouldn't flood. 1775 01:36:15.079 --> 01:36:17.159 No. No, And by the way, an attic unit. 1776 01:36:17.159 --> 01:36:20.680 Wouldn't the case if the pans plugged up or something, 1777 01:36:21.159 --> 01:36:23.840 you know, the some water comes out and it drains 1778 01:36:23.880 --> 01:36:25.720 into a drain or it drains outside. 1779 01:36:26.079 --> 01:36:30.039 If that pant's plugged up, it could leak. But I don't. 1780 01:36:30.720 --> 01:36:32.680 But what did you mean? What did you mean by 1781 01:36:32.760 --> 01:36:33.439 hot water? 1782 01:36:35.880 --> 01:36:37.640 When I came home, because I was gone all day 1783 01:36:37.640 --> 01:36:41.600 at work, I came home, the neighbor said her there 1784 01:36:41.680 --> 01:36:45.399 was water coming from my floor to her unit. I 1785 01:36:45.439 --> 01:36:48.159 went upstairs by went by unit and it was flood 1786 01:36:48.399 --> 01:36:49.439 like two inches of water. 1787 01:36:50.399 --> 01:36:51.560 It broke up top. 1788 01:36:52.000 --> 01:36:55.800 That's not bro That is not an air conditioner condenser. 1789 01:36:55.960 --> 01:36:58.039 Are you sure you're not talking about like a swamp cooler. 1790 01:36:59.720 --> 01:37:03.000 No, No, it's it's apartment with the central hair and 1791 01:37:03.199 --> 01:37:06.479 he says, they said it runs all through that up 1792 01:37:06.520 --> 01:37:09.800 top there. It's all connected up top above us. 1793 01:37:10.399 --> 01:37:11.520 So it's central air. 1794 01:37:11.720 --> 01:37:16.159 You now you're listen, you're not You're not getting the 1795 01:37:16.239 --> 01:37:20.760 right information. I mean, Ron, you know, first of all, 1796 01:37:21.680 --> 01:37:24.840 any AC unit that would drip would be outside. 1797 01:37:25.399 --> 01:37:29.239 I mean, there's nothing to drip, there's nothing. I need 1798 01:37:29.279 --> 01:37:31.319 to call one of our people. We need to call 1799 01:37:31.359 --> 01:37:32.199 one of our experts. 1800 01:37:32.479 --> 01:37:35.880 We're either going to call fix it twenty four to 1801 01:37:35.880 --> 01:37:40.039 seven plumb line or eight eight eight heating call either 1802 01:37:40.359 --> 01:37:43.479 call anyone who has any idea about this AC. 1803 01:37:44.600 --> 01:37:46.680 I mean we got to get an expert on. And 1804 01:37:46.800 --> 01:37:49.560 in any case, let's say we get our expert on. 1805 01:37:49.600 --> 01:37:52.439 What are you asking? Do you want to know what's 1806 01:37:52.479 --> 01:37:54.920 going on? Or are you just complaining because they're not 1807 01:37:55.000 --> 01:37:56.560 fixing it? What's the issue? 1808 01:37:58.239 --> 01:38:00.319 Well, the last update they had a car market, a 1809 01:38:00.359 --> 01:38:04.720 restoration company come in, dry the place out, and yesterday 1810 01:38:04.920 --> 01:38:07.640 take something on my door saying I owe them fifteen 1811 01:38:07.720 --> 01:38:08.800 hundred dollars. 1812 01:38:09.079 --> 01:38:11.760 Oh wait, wait, wait, wait wait, now hold on, Ron, 1813 01:38:12.399 --> 01:38:15.279 why are they charging you that money? 1814 01:38:16.960 --> 01:38:19.000 Well, they're saying it looks like the notes are saying 1815 01:38:19.079 --> 01:38:21.279 even though shows in the notes I turned the hot 1816 01:38:21.279 --> 01:38:24.800 water heater lever off to stop the water, they said 1817 01:38:24.800 --> 01:38:28.560 that I had a A on the wrong temperature and 1818 01:38:28.640 --> 01:38:31.920 it triggered something in that unit to go off hot. 1819 01:38:31.800 --> 01:38:36.439 Right wait wait wait, wait wait wait, your hot water 1820 01:38:36.800 --> 01:38:40.479 tank has nothing to do with the AC. I mean, 1821 01:38:40.920 --> 01:38:44.279 first of all, I see Ron, you got we are 1822 01:38:44.319 --> 01:38:48.359 we are driving blind here. You turned off the hot 1823 01:38:48.399 --> 01:38:51.279 water meaning what what did you turn off? Did you 1824 01:38:51.319 --> 01:38:54.079 turn off the supply to your hot water to going 1825 01:38:54.199 --> 01:38:57.359 into your water heater or coming out of your water heater. 1826 01:39:00.359 --> 01:39:03.119 Well, the best I can explain it from my knowledge, 1827 01:39:03.239 --> 01:39:05.920 when I came into my apartment, it was flooding and 1828 01:39:05.960 --> 01:39:09.000 it was pouring out of the top ceiling where they 1829 01:39:09.039 --> 01:39:12.159 have this type going into this I guess it is 1830 01:39:12.319 --> 01:39:15.079 since joyer and heat, and I pulled the lever down 1831 01:39:15.079 --> 01:39:17.800 in the that's connected to the hot water heater and 1832 01:39:17.840 --> 01:39:19.359 it stopped the water from coming out. 1833 01:39:19.439 --> 01:39:23.319 Well, then I'm kind I have no idea what you're talking. 1834 01:39:23.479 --> 01:39:26.680 Honest to God, Ron, I don't have any idea what 1835 01:39:26.720 --> 01:39:30.159 you're talking about. So if you're claiming you don't owe 1836 01:39:30.239 --> 01:39:33.359 the money because you didn't do the damage, I agree 1837 01:39:33.359 --> 01:39:35.720 with you. But if you did do the damage, you 1838 01:39:35.760 --> 01:39:38.880 would owe the money. But I need to know what 1839 01:39:39.159 --> 01:39:41.640 I don't even know what's going on, I mean, honest 1840 01:39:41.640 --> 01:39:44.199 to God, I mean, from what you're telling me, you 1841 01:39:44.279 --> 01:39:48.079 saw water coming from the ceiling. And how do you 1842 01:39:48.159 --> 01:39:50.680 know the lever that you pulled is on your water heater? 1843 01:39:50.840 --> 01:39:52.479 Is your water heater in the ceiling? 1844 01:39:54.439 --> 01:39:58.279 Now the water heater is in a little closet because 1845 01:39:58.319 --> 01:39:59.479 they put it. 1846 01:39:58.880 --> 01:40:02.880 In and you and you wait and you pulled and 1847 01:40:02.920 --> 01:40:07.399 you and you turned off the water heater in the closet. 1848 01:40:09.159 --> 01:40:12.800 Yes, and it stopped the leak in the ceiling. 1849 01:40:14.279 --> 01:40:17.319 Sure did, yes, But it had nothing to do with 1850 01:40:17.319 --> 01:40:18.239 your air conditioner. 1851 01:40:18.319 --> 01:40:21.680 I promise you. Do you have hot water heat? 1852 01:40:25.279 --> 01:40:25.840 Nothing works? 1853 01:40:26.239 --> 01:40:27.039 Now, there's no heat. 1854 01:40:27.520 --> 01:40:30.079 No, no, I'm. 1855 01:40:29.159 --> 01:40:34.039 Asking what kind of heat do you have in your apartment? 1856 01:40:36.760 --> 01:40:39.520 It's what look? 1857 01:40:39.720 --> 01:40:41.640 Is it forced air? Do you have vents with where 1858 01:40:41.640 --> 01:40:42.880 the heat comes through the vents? 1859 01:40:44.239 --> 01:40:44.439 Yeah? 1860 01:40:45.439 --> 01:40:46.640 Okay, the apartment building. 1861 01:40:47.279 --> 01:40:52.359 Okay, I don't understand. Does each apartment have a water heater? 1862 01:40:54.960 --> 01:40:59.520 I assume now, Ron, Ron, I hate telling you this. 1863 01:41:00.079 --> 01:41:02.680 We can't help you until somebody actually goes to your 1864 01:41:02.720 --> 01:41:05.600 apartment and eyeball stuff. I don't know if I can 1865 01:41:05.600 --> 01:41:08.319 get a volunteer or someone to look at your place. 1866 01:41:08.720 --> 01:41:10.720 I wish I could get Bow because bo is In 1867 01:41:11.159 --> 01:41:12.640 was in the business hvac. 1868 01:41:12.880 --> 01:41:13.479 He would know. 1869 01:41:14.000 --> 01:41:16.279 In fact, let's see if bo would what part of 1870 01:41:16.319 --> 01:41:17.600 town is your apartment building? 1871 01:41:19.479 --> 01:41:19.880 Central? 1872 01:41:20.920 --> 01:41:21.239 Okay? 1873 01:41:21.279 --> 01:41:23.880 You know what I want to see. Deputy Bow is 1874 01:41:23.920 --> 01:41:27.800 a smart guy. He was in the HVAC business. He 1875 01:41:27.880 --> 01:41:29.720 might be able to go over there. He's not in 1876 01:41:29.840 --> 01:41:32.000 right now, but I want to ask him if he'll 1877 01:41:32.039 --> 01:41:34.439 drop over to see what's going on in your place, 1878 01:41:34.720 --> 01:41:37.800 and let's see what's happening. We had were, like I said, 1879 01:41:37.840 --> 01:41:45.319 we're flying blind. We have more coming right up. Go 1880 01:41:45.479 --> 01:41:49.199 with a sure thing Denver's Best roofer Excel Roofing dot com. 1881 01:41:49.239 --> 01:41:54.960 You don't pay a cent until you're content. Time for 1882 01:41:55.000 --> 01:41:58.199 an insurance check up free, no obligation. In comparison, call 1883 01:41:58.279 --> 01:42:01.520 Compass Insurance paying too much much your coverage at dozens 1884 01:42:01.520 --> 01:42:04.239 of insurance companies find out now three all three seven 1885 01:42:04.239 --> 01:42:04.840 to seven to one. 1886 01:42:04.960 --> 01:42:05.199 Help. 1887 01:42:05.359 --> 01:42:08.000 You'll think you're his only customer when you choose Frank 1888 01:42:08.079 --> 01:42:10.520 durand the real estate Man dot com to list your 1889 01:42:10.560 --> 01:42:13.720 home with Remax Alliance three all three nine two zero 1890 01:42:13.840 --> 01:42:21.119 sixteen twenty two. Hi Tom Martino here three O three 1891 01:42:21.399 --> 01:42:23.279 seven to one three talks seven one three eight two 1892 01:42:23.279 --> 01:42:26.680 five five. Jay's got to comment on that apartment issue. 1893 01:42:26.720 --> 01:42:28.000 Go ahead, Jay, what's your comment? 1894 01:42:28.399 --> 01:42:30.479 He's saying he has water coming down from the ceiling 1895 01:42:30.479 --> 01:42:33.119 of things from the HVAC unit, and the way he 1896 01:42:33.159 --> 01:42:35.560 got it to stop was by turning off the lever 1897 01:42:35.680 --> 01:42:38.680 to his water heater. I have no idea how they 1898 01:42:38.680 --> 01:42:41.000 would be connected at all, but go ahead, what do 1899 01:42:41.039 --> 01:42:42.039 you say, what do you have to say? 1900 01:42:42.119 --> 01:42:42.359 Jay? 1901 01:42:43.960 --> 01:42:45.920 Yeah, When he added a little more and more to that, 1902 01:42:46.039 --> 01:42:49.239 it got stranger all the time. But air conditionings do 1903 01:42:49.399 --> 01:42:52.399 produce a ton of water, and if it's not pumped away, 1904 01:42:52.439 --> 01:42:53.760 it can startly can all. 1905 01:42:53.960 --> 01:42:57.159 But where does it produce? It usually produces it on 1906 01:42:57.239 --> 01:42:58.920 the outside condenser. 1907 01:42:58.520 --> 01:43:02.640 Right, Yeah, but most of them have because, like he said, 1908 01:43:02.640 --> 01:43:05.359 his was up in the on the roof or something, 1909 01:43:06.079 --> 01:43:06.680 or in the attict. 1910 01:43:06.760 --> 01:43:07.720 No, it's in his addict. 1911 01:43:08.600 --> 01:43:08.800 Yeah. 1912 01:43:08.880 --> 01:43:10.840 So if it's in the attic and it's not pumping 1913 01:43:10.880 --> 01:43:12.600 it out, it's going to come through the dry wall. 1914 01:43:12.680 --> 01:43:16.720 But they don't put condensers in atticts. 1915 01:43:16.920 --> 01:43:21.399 I I'd have to say there's something there making water 1916 01:43:21.439 --> 01:43:22.680 if it's coming out of the attic. 1917 01:43:23.000 --> 01:43:25.560 Well, but I think he's wrong about it being the AC. 1918 01:43:25.840 --> 01:43:28.920 That's all I'm saying. I mean, who knows. He might 1919 01:43:28.960 --> 01:43:30.960 be right, but it just seems so weird. 1920 01:43:32.079 --> 01:43:32.920 It is weird, but. 1921 01:43:36.159 --> 01:43:38.600 So, yeah, that doesn't make sense. He turned off his 1922 01:43:38.680 --> 01:43:40.239 water heater and it stopped the leaking. 1923 01:43:41.119 --> 01:43:42.920 Yeah, Like I said, the more he added to that, 1924 01:43:42.960 --> 01:43:46.279 the stranger had got so somebody is going to have 1925 01:43:46.279 --> 01:43:47.439 to look at it for sure. 1926 01:43:50.000 --> 01:43:52.279 Jay, Thank you. We need to get Boat to go 1927 01:43:52.359 --> 01:43:56.119 over there. Brandon wants to talk about Sentry Link Frank 1928 01:43:56.760 --> 01:44:01.920 Consumer Sailor, and then we have another comment on the 1929 01:44:01.960 --> 01:44:02.840 apartment issue. 1930 01:44:02.880 --> 01:44:05.000 Please hang on, Bean, We'd love to get to you. 1931 01:44:05.520 --> 01:44:07.840 And more coming up on the Troubleshooter Show. 1932 01:44:07.840 --> 01:44:12.520 Plus probid energy dot com for your source for solar systems. 1933 01:44:12.960 --> 01:44:14.920 Stay tuned to the Troubleshooter Show. 1934 01:44:15.960 --> 01:44:19.239 Go with a sure thing Denver's Best roofer Excel Roofing 1935 01:44:19.359 --> 01:44:19.920 dot com. 1936 01:44:19.960 --> 01:44:22.000 You don't pay a cent until you're content. 1937 01:44:25.359 --> 01:44:28.920 Time for an insurance checkup free, no obligation comparison call 1938 01:44:29.000 --> 01:44:32.319 Compass Insurance paying too much your coverage at dozens of 1939 01:44:32.359 --> 01:44:35.319 insurance companies find out now three all three seven seven 1940 01:44:35.319 --> 01:44:38.079 to one help. You'll think you're his only customer when 1941 01:44:38.119 --> 01:44:40.600 you choose Frank durand the real estate Man dot com 1942 01:44:40.640 --> 01:44:43.760 to list your home with Remax Alliance three all three 1943 01:44:43.840 --> 01:44:45.640 nine two zero sixteen twenty two. 1944 01:44:51.119 --> 01:44:53.680 Rift News. 1945 01:44:55.840 --> 01:44:56.520 You don't have. 1946 01:44:59.079 --> 01:44:59.920 Run insiousness. 1947 01:45:00.159 --> 01:45:01.119 This is good. 1948 01:45:02.239 --> 01:45:03.680 The Shooter's gonna help. 1949 01:45:03.960 --> 01:45:04.319 Come. 1950 01:45:05.840 --> 01:45:11.359 This is the Troubleshooter Show. Now Tom Martinez, Hi. 1951 01:45:11.279 --> 01:45:13.199 Tom Martino here, Welcome to the show. 1952 01:45:13.239 --> 01:45:16.119 Three oh three seven one to three talks seven one three, eight, 1953 01:45:16.199 --> 01:45:18.640 two five five. So we had a guy call and 1954 01:45:18.680 --> 01:45:22.119 say that he's getting water coming in from a ceiling. Right, 1955 01:45:22.439 --> 01:45:25.800 And this show, by the way, talks about everything, life, liberty, pursue, happiness, 1956 01:45:25.920 --> 01:45:26.720 everything in the world. 1957 01:45:27.159 --> 01:45:29.359 So water's coming in through his apartment. He thinks it's 1958 01:45:29.399 --> 01:45:33.159 from the HVAC. They replaced the hv sate HVAC unit 1959 01:45:33.279 --> 01:45:35.840 or the AC unit, and he says that the water 1960 01:45:35.920 --> 01:45:38.399 still was leaking. He went over to his water heater, 1961 01:45:38.520 --> 01:45:41.920 turned off his water heater, and somehow the water stopped leaking. 1962 01:45:42.319 --> 01:45:44.840 The water from a water heater has nothing to do 1963 01:45:44.920 --> 01:45:45.800 with air conditioning. 1964 01:45:46.199 --> 01:45:49.359 And an an air conditioner has condensation. It does not 1965 01:45:49.520 --> 01:45:53.359 come from inside. It comes from the outside units condensation. 1966 01:45:53.760 --> 01:45:57.039 There's nothing on an inside air conditioner that I know 1967 01:45:57.119 --> 01:46:02.119 of that creates condensation of the components on the inside. 1968 01:46:02.479 --> 01:46:07.760 You may have a I don't know, a coil or something. 1969 01:46:07.840 --> 01:46:10.720 I mean, but but we're not talking about a lot 1970 01:46:10.760 --> 01:46:12.840 of stuff here and in an apartment house. I have 1971 01:46:12.920 --> 01:46:14.960 no idea what he's talking about in his ceiling. What 1972 01:46:15.039 --> 01:46:17.479 is is in his ceiling? Now, the air mover could 1973 01:46:17.479 --> 01:46:19.239 be in his ceiling. That would be his furnace and 1974 01:46:19.279 --> 01:46:21.600 his air but I don't know how that could leak 1975 01:46:21.640 --> 01:46:23.920 a lot of water and how his water heater can 1976 01:46:23.960 --> 01:46:24.600 turn it off. 1977 01:46:24.880 --> 01:46:26.239 They're not interconnected. 1978 01:46:26.600 --> 01:46:29.359 This whole thing sounds crazy, but Deputy bow is going 1979 01:46:29.439 --> 01:46:31.159 to go out. 1980 01:46:30.680 --> 01:46:31.560 And look at it. 1981 01:46:31.640 --> 01:46:34.920 And Deputy Bou used to be in the HVAC business. Bean, 1982 01:46:35.239 --> 01:46:37.319 you have a comment, and then Brian go ahead. Bean, 1983 01:46:37.359 --> 01:46:38.119 what's your comment? 1984 01:46:38.720 --> 01:46:39.039 All right? 1985 01:46:39.760 --> 01:46:39.960 Hey? 1986 01:46:40.880 --> 01:46:43.239 Yeah the time. My name is Bean dt A Han. 1987 01:46:43.680 --> 01:46:47.680 Yes, Bean, Yes, yeah, okay, weird name, good name, good name. 1988 01:46:47.800 --> 01:46:51.840 Are you Are you familiar with a water source heat pump? 1989 01:46:53.000 --> 01:46:53.319 Uh? 1990 01:46:53.399 --> 01:46:57.159 Yes, well hold on now a heat pump no, actually 1991 01:46:57.199 --> 01:47:01.119 not a boiler, but not a water worse heat pump. 1992 01:47:01.279 --> 01:47:05.720 No okay, Well the guy said he lives in an apartment. 1993 01:47:06.239 --> 01:47:12.039 And what they do for everybody to have their own 1994 01:47:12.039 --> 01:47:15.720 individual heating and cooling, they put these little heat pumps. 1995 01:47:16.039 --> 01:47:20.000 They're capable of heating and cooling in each apartment, so 1996 01:47:20.039 --> 01:47:22.119 they can. They've got a thermostat that talks to that 1997 01:47:22.319 --> 01:47:26.840 heat pump. Okay, But because it's inside the building and 1998 01:47:26.880 --> 01:47:30.640 they want heating and cooling, they use water to transfer 1999 01:47:30.680 --> 01:47:33.720 the heat outside or to a boiler in the summertime. 2000 01:47:34.399 --> 01:47:37.079 What they do, what they do is pump the water 2001 01:47:37.680 --> 01:47:40.920 outside the building to a cooling tower. You've seen those 2002 01:47:40.960 --> 01:47:44.880 things on buildings. I assume, yeah, okay, well that's cooling 2003 01:47:44.920 --> 01:47:47.560 the water for the building. Well, and then they pump 2004 01:47:47.640 --> 01:47:50.039 that back into the building, and that takes the heat 2005 01:47:50.399 --> 01:47:52.720 away from the compressor that's in the heat pump up 2006 01:47:52.760 --> 01:47:53.279 in the attic. 2007 01:47:54.399 --> 01:47:56.600 Wow, how do you know this? 2008 01:47:57.920 --> 01:47:59.600 I know a little bit about this stuff. And so 2009 01:47:59.680 --> 01:48:03.000 in time, they have a boiler that's just in the 2010 01:48:03.800 --> 01:48:06.039 just does the reverse because now it's in a heat 2011 01:48:06.079 --> 01:48:10.720 pump situation. It okay, and and and and I've seen 2012 01:48:10.760 --> 01:48:14.880 it where these hoses are fittings or whatever. Sometimes they 2013 01:48:14.920 --> 01:48:18.880 use ruppers, sometimes they dis copper, but they'll get corrosion 2014 01:48:19.039 --> 01:48:22.239 and those pipes will leak. Well, there's a shut off 2015 01:48:22.359 --> 01:48:28.439 valve on those return and supply lines of water. You 2016 01:48:28.479 --> 01:48:31.840 follow that, and that that's what that guy did, was 2017 01:48:31.840 --> 01:48:32.760 turn off that water. 2018 01:48:33.760 --> 01:48:35.359 But it wasn't on his water heater. 2019 01:48:36.479 --> 01:48:40.199 Well he was mistaken there, Yeah, but he probably thought 2020 01:48:40.199 --> 01:48:43.119 it was on his water heater because the water as 2021 01:48:43.159 --> 01:48:46.159 it leaves that compressor is hot. 2022 01:48:47.359 --> 01:48:51.720 And that's so you're saying that instead of using they 2023 01:48:51.840 --> 01:48:52.960 use actually. 2024 01:48:52.720 --> 01:48:54.680 Water to carry the heat out. 2025 01:48:55.439 --> 01:48:59.000 Yeah, what what I'm saying is you're used to an 2026 01:48:59.000 --> 01:49:04.359 air exchange set up, right, totally a this is water. 2027 01:49:04.600 --> 01:49:05.039 Got it? 2028 01:49:05.319 --> 01:49:07.840 Because that's the only way they could have a unit 2029 01:49:07.920 --> 01:49:08.840 in each apartment. 2030 01:49:10.279 --> 01:49:11.840 Yeah, that's basically it. 2031 01:49:12.439 --> 01:49:17.800 Ah okay, but why wouldn't they use a refrigerant. 2032 01:49:17.159 --> 01:49:21.319 Of some kind? A heat pumped has refrigerant in it. 2033 01:49:21.840 --> 01:49:26.279 Okay, this is this is simply to cool the coil. 2034 01:49:28.319 --> 01:49:32.079 Well or the whatever it's it's to. It's to get 2035 01:49:32.239 --> 01:49:35.000 rid of the heat from the unit. I should say. 2036 01:49:35.920 --> 01:49:38.439 Yeah, there's a little compressor up in that unit. 2037 01:49:38.720 --> 01:49:39.359 No, I get it. 2038 01:49:39.399 --> 01:49:41.560 No, it's it's it's to get rid of that heat 2039 01:49:41.560 --> 01:49:44.000 that would normally be sitting outside with a fan. 2040 01:49:44.920 --> 01:49:48.319 Wait at your condenser outside right right? 2041 01:49:48.399 --> 01:49:50.119 Well, okay, there's. 2042 01:49:49.960 --> 01:49:53.319 A heat exchanger inside that unit, now I know. 2043 01:49:53.479 --> 01:49:55.920 Okay, good, that's very cool. I never knew that. 2044 01:49:56.000 --> 01:49:58.640 So that's how they put a unit in a ceiling 2045 01:49:59.199 --> 01:50:02.000 and can exchange inge the air the heat I mean, 2046 01:50:02.159 --> 01:50:05.359 without having it outside with a with a fan. 2047 01:50:06.399 --> 01:50:08.279 Absolutely. Yeah, it can't get simple. 2048 01:50:08.279 --> 01:50:13.560 But it's water. It's water source cooling. Yeah, it's very 2049 01:50:13.800 --> 01:50:16.920 thank you bean, thank you that that sounds very logical 2050 01:50:16.960 --> 01:50:20.920 to me, very logical. Maybe when they replace the unit, 2051 01:50:21.319 --> 01:50:24.640 they replaced the unit but never even looked at the 2052 01:50:24.640 --> 01:50:31.439 the couplings. Brian, what is your comment, Bean's a pretty 2053 01:50:31.439 --> 01:50:32.479 smart guy. 2054 01:50:33.439 --> 01:50:36.039 A lot of a lot of condos have water source 2055 01:50:36.079 --> 01:50:39.359 heat pumps, but the newer apartments or even the older 2056 01:50:39.399 --> 01:50:41.840 ones in Denver, they have a lot of units that 2057 01:50:41.960 --> 01:50:44.720 run off the water heaters hot water, so they have 2058 01:50:44.760 --> 01:50:45.920 a hot water coil. 2059 01:50:46.000 --> 01:50:46.840 It's air to air. 2060 01:50:47.680 --> 01:50:49.840 It just has a hot water coil in it, and 2061 01:50:49.880 --> 01:50:53.199 then it'll have a condenser outside for the uh. 2062 01:50:53.239 --> 01:50:55.840 So it could be that too, right, It could be 2063 01:50:55.920 --> 01:50:58.359 that too. It could be that he does have water 2064 01:50:58.399 --> 01:50:59.560 going up there from the heater. 2065 01:51:00.159 --> 01:51:00.520 Uh. 2066 01:51:00.520 --> 01:51:04.760 But then okay, also Tom, every air conditioner has the 2067 01:51:04.760 --> 01:51:09.479 evaporated coil, and the evaporated oil produces water inside the building. 2068 01:51:09.520 --> 01:51:12.319 Inside of adding, you're always going to have water coming 2069 01:51:12.359 --> 01:51:15.039 out of your evaporated coil because that's what removes the 2070 01:51:15.079 --> 01:51:15.720 heat from the air. 2071 01:51:15.800 --> 01:51:18.159 So on my on my let's just say, on my 2072 01:51:18.279 --> 01:51:21.319 home here where I have a furnace air system, an 2073 01:51:21.479 --> 01:51:23.000 HVAC central air. 2074 01:51:23.199 --> 01:51:25.760 Where is my evaporator. 2075 01:51:26.119 --> 01:51:30.479 It's inside above your furnace is connected to the top 2076 01:51:30.520 --> 01:51:31.159 of your furnace. 2077 01:51:31.720 --> 01:51:31.880 You know. 2078 01:51:31.920 --> 01:51:33.520 I'm sure you're just on top of the furnace. 2079 01:51:33.720 --> 01:51:36.800 And that's what that's what the blower motor, that's what 2080 01:51:36.880 --> 01:51:39.600 the blower motor blows over to put put to put 2081 01:51:39.600 --> 01:51:40.520 cool air into. 2082 01:51:40.279 --> 01:51:43.840 My home, right and air condition. Really, what it does 2083 01:51:43.880 --> 01:51:47.880 is remove moisture from the building, and the moisture gets 2084 01:51:47.880 --> 01:51:50.399 carried out to the drain line. That's that comes out 2085 01:51:50.399 --> 01:51:54.399 of your evaporated coil. Okay, gosh a furnaces and the 2086 01:51:54.399 --> 01:51:55.199 evaporation and. 2087 01:51:55.119 --> 01:51:59.119 The and the process of evaporation is what cause causes 2088 01:51:59.159 --> 01:52:02.079 the coolness, and that's what's carried through my home. 2089 01:52:01.920 --> 01:52:02.520 The cool air. 2090 01:52:04.119 --> 01:52:06.640 No, it's just the process of having the refriver and 2091 01:52:06.720 --> 01:52:09.079 lower than the due point and then the when the 2092 01:52:09.119 --> 01:52:13.039 air hits that coil, it turns into moisture and and. 2093 01:52:13.000 --> 01:52:17.920 The byproduct of evaporation is cool. Yes, yeah, I get 2094 01:52:17.960 --> 01:52:20.840 what you're saying. No, that's that's pretty You're you're you're 2095 01:52:20.880 --> 01:52:22.800 both are really shedding a lot of light on this. 2096 01:52:22.840 --> 01:52:25.840 Thank you very much, man, Brian and Bean, thank you love. 2097 01:52:26.159 --> 01:52:28.560 I've always said I have the smartest listeners. I'll put 2098 01:52:28.560 --> 01:52:29.560 them up against anyone. 2099 01:52:30.039 --> 01:52:30.319 Yep. 2100 01:52:30.600 --> 01:52:32.359 If you ever listened to like these dummies in the 2101 01:52:32.399 --> 01:52:35.800 morning with Brownie and Dragon. That those guys on that 2102 01:52:35.880 --> 01:52:37.000 talk pack, you can tell. 2103 01:52:37.039 --> 01:52:39.279 I say, we've got clever listeners, for sure. I wouldn't 2104 01:52:39.279 --> 01:52:42.039 call them the smartest thought. They're goobers. They're good, that's 2105 01:52:42.039 --> 01:52:44.680 what he calls them. I call mine geniuses. 2106 01:52:44.920 --> 01:52:48.479 Except my YouTube morons, and that's a loving expend. 2107 01:52:49.680 --> 01:52:51.760 My YouTube aren't really morons. 2108 01:52:52.199 --> 01:52:55.800 They're YouTube observers of the highest degree. 2109 01:52:56.119 --> 01:52:58.680 Uh, Frank, what is going on with Consumer Cellular? 2110 01:52:58.720 --> 01:52:58.960 Man? 2111 01:53:00.760 --> 01:53:03.560 Yeah, I'm kind of I'm sure you're going to say 2112 01:53:03.560 --> 01:53:06.000 that this is an easy fix, but I'm stuck in 2113 01:53:06.119 --> 01:53:11.239 a little issue. What is it, business bone that I've 2114 01:53:11.239 --> 01:53:13.960 had the business number for fourteen years? 2115 01:53:14.319 --> 01:53:15.159 Okay for a month. 2116 01:53:15.279 --> 01:53:18.560 Now I can't get it. I can't get Consumer Cellular 2117 01:53:19.199 --> 01:53:20.600 to turn it back on. 2118 01:53:20.920 --> 01:53:22.960 So here's wall Wait wait, wait, why was it turned 2119 01:53:23.000 --> 01:53:23.720 off to begin with? 2120 01:53:24.720 --> 01:53:26.760 Well, my phone broke, that's all. 2121 01:53:27.560 --> 01:53:29.680 But but what do you mean when your phone breaks, 2122 01:53:29.680 --> 01:53:31.119 your number still works? 2123 01:53:31.600 --> 01:53:31.920 Yeah? 2124 01:53:32.000 --> 01:53:35.920 Exactly. So what happened is I paid my bill and 2125 01:53:35.960 --> 01:53:38.800 then all of a sudden that phone number wouldn't work anymore. 2126 01:53:38.800 --> 01:53:40.039 At least that could retrieve you. 2127 01:53:40.119 --> 01:53:42.159 Well, wait a minute, you paid your bill. Now you 2128 01:53:42.319 --> 01:53:44.359 normally pay your bill right is? Or is this a 2129 01:53:44.399 --> 01:53:45.079 special event? 2130 01:53:46.520 --> 01:53:46.720 Yeah? 2131 01:53:46.760 --> 01:53:48.560 No, it was a special event because I was a 2132 01:53:48.600 --> 01:53:49.680 little late, maybe too. 2133 01:53:49.560 --> 01:53:52.800 Okay, See that's probably more so than the phone breaking. 2134 01:53:53.119 --> 01:53:55.119 Hold on a second, I'll come right back to you, Frank, 2135 01:53:55.119 --> 01:53:55.720 don't hang up. 2136 01:53:55.760 --> 01:53:57.439 I'm Tom Martine more coming up. 2137 01:54:02.800 --> 01:54:06.039 Go with a sure thing Denver's best roofer Excel Roofing 2138 01:54:06.159 --> 01:54:08.800 dot com. You don't pay a cent until you're content. 2139 01:54:12.199 --> 01:54:15.359 Time for an insurance check up free, no obligation. In comparison, 2140 01:54:15.520 --> 01:54:19.079 call Compass insurance paying too much your coverage at dozens 2141 01:54:19.079 --> 01:54:21.800 of insurance companies find out now three all three seven 2142 01:54:21.800 --> 01:54:24.159 to seven to one help. You'll think you're his only 2143 01:54:24.239 --> 01:54:26.760 customer when you choose Frank durand the real estate Man 2144 01:54:26.760 --> 01:54:30.239 dot com to list your home with Remax Alliance three 2145 01:54:30.239 --> 01:54:35.399 A three nine two zero sixteen twenty two. 2146 01:54:37.479 --> 01:54:39.199 Hi Tom Martina out here. 2147 01:54:40.279 --> 01:54:44.199 Renew Home Innovations will do beautiful showers for you. Custom 2148 01:54:44.279 --> 01:54:48.479 walls systems that are stone resin that look like stone, 2149 01:54:48.520 --> 01:54:52.079 no maintenance, beautiful glass panels with no doors needed. 2150 01:54:52.119 --> 01:54:54.720 You go around the corner, no thresholds to stumble over. No, 2151 01:54:55.119 --> 01:54:59.680 you have perimeter drains and beautiful grab bars soap, dishes, benches, 2152 01:54:59.680 --> 01:55:02.560 whatever you wanted their custom two or three days. But 2153 01:55:02.640 --> 01:55:05.319 here's the real key, seventy two months to pay with 2154 01:55:05.359 --> 01:55:08.520 no interest. No one does it renew Home Innovations dot 2155 01:55:08.560 --> 01:55:11.880 com three oh three nine zero four to two thousand. 2156 01:55:13.479 --> 01:55:16.520 Frank has an issue now, So Frank, let's start in 2157 01:55:16.560 --> 01:55:20.640 the beginning. You had consumer Cellular with a number that 2158 01:55:20.680 --> 01:55:23.760 you had for a long time. Right then, what happened? 2159 01:55:24.800 --> 01:55:27.960 My phone broke, just the screen, but I couldn't access it. 2160 01:55:28.319 --> 01:55:32.560 And I called them and toonement's broken. But I could 2161 01:55:32.600 --> 01:55:36.960 still get my voicemails so I could sell run of business. 2162 01:55:37.279 --> 01:55:40.720 Right, so your phone broken? And then what keep going? 2163 01:55:41.840 --> 01:55:44.479 They wanted me to buy one of their phones. Sure, 2164 01:55:45.000 --> 01:55:45.840 buy a phone. 2165 01:55:46.239 --> 01:55:47.760 Did you buy a phone back on? 2166 01:55:48.239 --> 01:55:48.520 Yep? 2167 01:55:48.720 --> 01:55:51.159 I did. But guess what They want to send an 2168 01:55:51.199 --> 01:55:55.159 activation code to that phone number, and I said, well 2169 01:55:55.520 --> 01:55:56.279 how do you do that? 2170 01:55:56.479 --> 01:55:58.720 So when you bought a new phone, they didn't port 2171 01:55:58.760 --> 01:56:00.479 your number over to the new phone. 2172 01:56:01.119 --> 01:56:06.079 No, they wouldn't. They said they have to secure security 2173 01:56:06.159 --> 01:56:09.439 pin security code and I said, well I can't get 2174 01:56:09.479 --> 01:56:11.199 that because the phone's not active yet. 2175 01:56:11.680 --> 01:56:12.439 Well that's do it. 2176 01:56:12.680 --> 01:56:15.359 Well, yeah, the phone is broken. So if you don't 2177 01:56:15.359 --> 01:56:18.079 have access to that phone. How are they supposed to 2178 01:56:18.159 --> 01:56:19.560 send a security code? 2179 01:56:20.000 --> 01:56:22.680 Exactly? So there's a backup plan, which is up. 2180 01:56:22.720 --> 01:56:25.520 But where did the non payment of the bill come in? 2181 01:56:25.880 --> 01:56:26.319 Oh? 2182 01:56:26.439 --> 01:56:27.880 Oh no, I was just two days late. 2183 01:56:28.000 --> 01:56:28.479 I paid it. 2184 01:56:28.920 --> 01:56:31.439 When I paid it, that's when I couldn't even use it, 2185 01:56:31.520 --> 01:56:34.199 not even for voicemail. That's what's strange to me. 2186 01:56:34.520 --> 01:56:38.079 Okay, So now the old phone completely does not work, 2187 01:56:38.119 --> 01:56:39.840 and you can't get your old number. 2188 01:56:40.600 --> 01:56:40.720 No. 2189 01:56:41.840 --> 01:56:45.239 But they said they'll send it to an old email address. 2190 01:56:45.319 --> 01:56:47.800 And I said, no, but you've had my new email 2191 01:56:47.800 --> 01:56:50.960 address for years. The one you have on file is 2192 01:56:51.000 --> 01:56:53.159 an old one. I cannot access it no more. 2193 01:56:54.000 --> 01:56:57.880 They said, well, why didn't you change your email with them. 2194 01:56:58.159 --> 01:57:02.039 I did. That's the problem, Tom, I changed it, and 2195 01:57:02.079 --> 01:57:05.520 they've sent me emails with the new email address. I said, 2196 01:57:05.520 --> 01:57:07.560 don't send it to that old one. He says, that's 2197 01:57:07.600 --> 01:57:08.359 the only one I have. 2198 01:57:08.840 --> 01:57:12.439 I said, and what there must be another way to 2199 01:57:12.600 --> 01:57:16.000 verify you, or just cancel your damn account and start over. 2200 01:57:16.479 --> 01:57:19.520 That's what I'm doing. But i'd have to lose that number. 2201 01:57:19.760 --> 01:57:21.960 No you don't, No, no, no, you do not. 2202 01:57:22.640 --> 01:57:27.000 They must port your number out, they must but okay 2203 01:57:27.039 --> 01:57:32.439 how and no no, no, dead number is not locked 2204 01:57:32.479 --> 01:57:34.279 inside a phone. 2205 01:57:34.520 --> 01:57:37.560 Okay, port it, yeah, that give me. 2206 01:57:37.479 --> 01:57:38.159 The right number. 2207 01:57:38.640 --> 01:57:40.159 What is your new service going to be? 2208 01:57:41.800 --> 01:57:43.880 It doesn't matter. It could be T Mobile Metro. 2209 01:57:44.119 --> 01:57:44.920 Well, it does matter. 2210 01:57:44.960 --> 01:57:49.720 That's actually because because the new service, you're going to 2211 01:57:50.119 --> 01:57:52.439 make a request with the new service to have your 2212 01:57:52.520 --> 01:57:54.800 number ported and they're going to put that in with 2213 01:57:54.840 --> 01:57:59.359 the old service, and Consumer Cellular must release your number. 2214 01:58:00.079 --> 01:58:00.680 They won't. 2215 01:58:01.159 --> 01:58:02.880 Don't have the problem. Yes they will. 2216 01:58:03.000 --> 01:58:04.359 I didn't, Yes they will. 2217 01:58:04.840 --> 01:58:07.319 Well they said they sent it to that other email addressed. 2218 01:58:08.119 --> 01:58:11.159 You're not even listening to me, Frank. You're not asking 2219 01:58:11.199 --> 01:58:16.439 them to change your number to another phone. You're asking 2220 01:58:16.720 --> 01:58:20.239 them to port your number out to another carrier. That's 2221 01:58:20.279 --> 01:58:22.079 a whole different ballgame. 2222 01:58:22.520 --> 01:58:22.920 Perfect. 2223 01:58:23.560 --> 01:58:26.600 Don't even get into it with the new carrier. Listen 2224 01:58:26.640 --> 01:58:29.239 to me. Do not even get into. 2225 01:58:28.920 --> 01:58:32.319 The broken phone. Don't say a word. All you're saying 2226 01:58:32.399 --> 01:58:36.760 is this, I want my number ported. They will get 2227 01:58:36.880 --> 01:58:40.399 information from you, the new carrier, and they will put 2228 01:58:40.439 --> 01:58:43.239 in a port order for your number. You tell them 2229 01:58:43.239 --> 01:58:45.600 the only way I'm going to take your service is 2230 01:58:45.680 --> 01:58:47.880 if you can get my old number ported in. 2231 01:58:48.319 --> 01:58:50.600 They will port your number in. 2232 01:58:51.000 --> 01:58:53.680 Okay, I heard you loud and clear. 2233 01:58:54.039 --> 01:58:56.439 Now you can call me back if you have any problems. 2234 01:58:56.600 --> 01:58:59.479 But you shouldn't because the people know what they're doing 2235 01:58:59.520 --> 01:59:01.880 when you get a new service. So go to a 2236 01:59:01.920 --> 01:59:05.520 good service that will port your number in. You know, 2237 01:59:05.600 --> 01:59:07.560 you can even go to Google and have that. 2238 01:59:07.600 --> 01:59:09.199 Number poorted in. You can. 2239 01:59:11.479 --> 01:59:14.800 But again, and then you can forward that Google to 2240 01:59:14.920 --> 01:59:15.640 whatever you want. 2241 01:59:15.760 --> 01:59:18.960 You can. Like people don't realize this. If you have 2242 01:59:19.000 --> 01:59:21.359 a number that you own that you love, you should 2243 01:59:21.359 --> 01:59:24.479 put it into Google. And here's why Google Voice is free. 2244 01:59:25.119 --> 01:59:28.600 You can have Google Voice and then just immediately no 2245 01:59:28.680 --> 01:59:29.880 matter what phone. 2246 01:59:29.560 --> 01:59:33.319 Whatever, wherever you are, wherever you are, you can have 2247 01:59:33.479 --> 01:59:35.479 that Google phone number forwarded. 2248 01:59:35.960 --> 01:59:38.119 So even if you want it to take time off 2249 01:59:38.399 --> 01:59:40.880 and you have a worker, you can have them answer 2250 01:59:40.960 --> 01:59:44.479 your phone. You never have to have a phone with 2251 01:59:44.560 --> 01:59:48.279 your real number on it. 2252 01:59:48.279 --> 01:59:50.039 It's just a trick, it's a little hack. 2253 01:59:50.680 --> 01:59:55.159 You use Google Voice as the intermediary where your favorite 2254 01:59:55.239 --> 01:59:59.199 number resides and stays, and then you can forward it 2255 01:59:59.239 --> 02:00:00.039 anywhere you want. 2256 02:00:02.960 --> 02:00:03.359 Anyway. 2257 02:00:03.399 --> 02:00:05.920 Three oh three seven one three talk seven one three 2258 02:00:06.039 --> 02:00:07.479 eight two five five. 2259 02:00:10.079 --> 02:00:13.880 Brendan, how are you? What's happening? 2260 02:00:15.479 --> 02:00:18.199 Hey? Tom? Hey, hey, damn man. 2261 02:00:18.319 --> 02:00:21.840 Years man, I've Denver native have been listening to you forever. 2262 02:00:21.920 --> 02:00:23.439 This is the first time I've ever called you. 2263 02:00:23.880 --> 02:00:24.720 What's the problem. 2264 02:00:24.760 --> 02:00:27.079 Frustrated with Quantum Fiber? I could puke? 2265 02:00:27.640 --> 02:00:29.960 Now, what what's going on? What do you use quantum 2266 02:00:30.000 --> 02:00:31.159 for for your broadband? 2267 02:00:32.880 --> 02:00:33.159 Right? 2268 02:00:33.279 --> 02:00:36.399 So I live over here in old town Littleton and 2269 02:00:36.439 --> 02:00:40.039 we have lit fiber service here to the house, gig 2270 02:00:40.079 --> 02:00:42.199 a bit lit fiber from Quantum Fiber. 2271 02:00:42.880 --> 02:00:47.840 That's pretty cool. But that's really fast, right, Yeah. 2272 02:00:47.680 --> 02:00:51.520 It's great, it works great, no issues with it. The 2273 02:00:51.600 --> 02:00:55.920 issues that I have are with their terrible, terrible, terrible 2274 02:00:55.960 --> 02:00:56.800 customer service. 2275 02:00:56.840 --> 02:01:00.760 Tom, what's wrong? Tell me the tell me the problem. 2276 02:01:01.000 --> 02:01:04.840 So I'm having two little dinky issues. One issue is 2277 02:01:04.880 --> 02:01:09.840 I can't access the modem firmware to change and stuff. 2278 02:01:09.880 --> 02:01:14.840 I'm locked out of their proprietary wireless mesh system. 2279 02:01:15.319 --> 02:01:18.680 Now hold on, hold on, so what what I want 2280 02:01:18.760 --> 02:01:22.239 to Just address that real quick? Okay, Normally when you 2281 02:01:22.399 --> 02:01:29.159 have a modem in your home, Okay, normally they take 2282 02:01:29.199 --> 02:01:30.880 care of all the firmware and all that. Why do 2283 02:01:30.960 --> 02:01:32.840 you need to access that? I'm just curious. 2284 02:01:34.399 --> 02:01:38.239 There's two pieces of network here in my house. The 2285 02:01:38.279 --> 02:01:41.600 first piece of network here is the network interface device 2286 02:01:41.640 --> 02:01:45.960 which turns the lit fiber optics signal into a copper signal. 2287 02:01:46.439 --> 02:01:49.640 Right, And and why why okay, hold on? Is that 2288 02:01:49.920 --> 02:01:50.720 is that piece of. 2289 02:01:50.720 --> 02:01:54.319 Network equipment that turns it to a from a from 2290 02:01:54.359 --> 02:01:56.199 a fiber to a digital to. 2291 02:01:56.239 --> 02:01:59.920 A it's a it's a digital, but it's it's over copper. 2292 02:02:00.840 --> 02:02:02.520 So when it transfers. 2293 02:02:02.039 --> 02:02:05.399 From LI, it turns it from a lit. So the 2294 02:02:05.439 --> 02:02:07.880 fiber optic signal that comes into my house is over 2295 02:02:07.920 --> 02:02:10.319 a fiber cable and it's got fiber optic light on it. 2296 02:02:10.680 --> 02:02:15.319 Right, and it changes from light to electromagnetic. But once 2297 02:02:15.359 --> 02:02:17.800 it does that, right, I get it, man, I get it. 2298 02:02:18.279 --> 02:02:21.119 But once it goes from light to electromagnetic, what I 2299 02:02:21.119 --> 02:02:24.279 want to know is this is that piece of equipment 2300 02:02:24.479 --> 02:02:26.840 before or after your modem. 2301 02:02:28.319 --> 02:02:30.880 That's before So that's the first piece of equipment in 2302 02:02:30.920 --> 02:02:32.439 the chain that comes in and does. 2303 02:02:32.279 --> 02:02:36.640 All the and then hold on. Then the normal electromagnetic 2304 02:02:36.720 --> 02:02:38.159 signal goes into the modem. 2305 02:02:39.520 --> 02:02:39.800 Correct. 2306 02:02:39.840 --> 02:02:42.199 It's an r J forty five ethernet cable that goes 2307 02:02:42.199 --> 02:02:47.479 from that piece of equipment to their proprietary wireless mesh system. 2308 02:02:47.479 --> 02:02:51.760 It's three pods what this one, this copper Ethernet cable 2309 02:02:51.800 --> 02:02:54.960 connects to the first one. An these three pods are 2310 02:02:55.000 --> 02:02:58.239 supposed to create a. 2311 02:02:57.199 --> 02:02:59.520 Right, a mesh network that they I know, they talk 2312 02:02:59.600 --> 02:03:01.520 to each other. I get it, bro, they talk to 2313 02:03:01.560 --> 02:03:03.720 each other. So where is the failure? 2314 02:03:03.920 --> 02:03:08.279 Anyways? The failure is they have a proprietary guy like 2315 02:03:08.319 --> 02:03:11.199 a log in that you control this thing from from 2316 02:03:11.239 --> 02:03:11.800 an app like. 2317 02:03:11.760 --> 02:03:14.319 I when you oh gone, When you say control, okay, 2318 02:03:14.359 --> 02:03:17.439 hold on, bro, When you say control this thing, is 2319 02:03:17.479 --> 02:03:22.920 it controlling the transformer that goes from fiber to electromagnetic 2320 02:03:23.079 --> 02:03:25.760 or is it controlling the modem? Or is it controlling 2321 02:03:26.079 --> 02:03:27.680 the first mesh in the chain? 2322 02:03:29.479 --> 02:03:31.680 It controls your entire mesh system. 2323 02:03:32.000 --> 02:03:35.479 I get it. But what are you accessing to do it? 2324 02:03:37.239 --> 02:03:39.960 So I use the app. It logs me into the 2325 02:03:39.960 --> 02:03:42.119 wireless system and I can change like my WI. 2326 02:03:42.399 --> 02:03:42.960 What does it? 2327 02:03:43.279 --> 02:03:45.359 Okay, listen, I know you think I don't know what 2328 02:03:45.359 --> 02:03:47.479 I'm talking about, but I promise you I do. What 2329 02:03:48.199 --> 02:03:52.880 are you logging into When you say the wireless system, 2330 02:03:53.279 --> 02:03:55.119 which component. 2331 02:03:54.680 --> 02:03:55.880 Are you logging into? 2332 02:03:56.000 --> 02:03:57.159 Mesh? 2333 02:03:57.479 --> 02:04:02.319 The first mesh in the chain, not the modem, I 2334 02:04:02.319 --> 02:04:02.920 would assume. 2335 02:04:03.000 --> 02:04:04.920 So there, I mean the first one is the one 2336 02:04:04.960 --> 02:04:07.119 that's actually physically connected to the piece of. 2337 02:04:07.479 --> 02:04:11.119 Which one assigns your IPS, Which ones assigned your IPS 2338 02:04:11.239 --> 02:04:13.720 or does the dynamic assignment? 2339 02:04:13.760 --> 02:04:16.319 Which one the mesh system? 2340 02:04:16.560 --> 02:04:18.720 Okay, so what are you trying? Why do you have 2341 02:04:18.800 --> 02:04:20.159 to log in? What are you trying to do? 2342 02:04:21.880 --> 02:04:24.600 So the system you're able to go in and control, 2343 02:04:24.720 --> 02:04:27.399 like when I can set times for when my kids can. 2344 02:04:27.600 --> 02:04:28.920 That's right, that's right. 2345 02:04:29.039 --> 02:04:31.640 You can set times for each of the nodes or 2346 02:04:31.640 --> 02:04:32.600 all of them together. 2347 02:04:34.119 --> 02:04:34.359 Yeah. 2348 02:04:34.399 --> 02:04:35.960 Man, so I can go in and I can make 2349 02:04:35.960 --> 02:04:38.319 sure that the kids are going to bed, that's right. 2350 02:04:38.479 --> 02:04:38.920 That's right. 2351 02:04:39.039 --> 02:04:42.039 So you can't log in to do all of that 2352 02:04:42.119 --> 02:04:44.680 interface exactly? 2353 02:04:45.159 --> 02:04:46.560 Why locked out? 2354 02:04:47.000 --> 02:04:48.039 Why are you locked it? 2355 02:04:48.119 --> 02:04:48.279 Why? 2356 02:04:48.399 --> 02:04:51.079 Why are you locked out of it? 2357 02:04:51.079 --> 02:04:53.720 It just stopped working one day, and so I went 2358 02:04:53.760 --> 02:04:58.000 through the password reset steps, right, and it's it's said 2359 02:04:58.039 --> 02:05:01.159 it was reset. It's still went log in. I probably 2360 02:05:01.159 --> 02:05:04.960 did that like five times, yes, right, everything I possibly could. 2361 02:05:05.520 --> 02:05:08.960 And then I just said, okay, well, enough's enough. It's 2362 02:05:08.960 --> 02:05:14.880 time to content their customer service right right? Non existent, Tom, 2363 02:05:14.920 --> 02:05:15.680 non existent. 2364 02:05:16.000 --> 02:05:19.000 It's not even in India. 2365 02:05:19.520 --> 02:05:21.560 You can't even get someone to pick up the phone 2366 02:05:22.039 --> 02:05:26.199 I spent. I've probably spent eight hours over the last 2367 02:05:26.279 --> 02:05:26.840 few days. 2368 02:05:27.039 --> 02:05:30.399 I want to ask some Ambia's stuff. Brendan. Brendan, when 2369 02:05:30.600 --> 02:05:32.359 how did you first get locked out of it? 2370 02:05:34.439 --> 02:05:35.960 That's that's the big mystery. 2371 02:05:36.000 --> 02:05:36.399 I don't know. 2372 02:05:36.479 --> 02:05:38.520 I just all of a sudden one day I went 2373 02:05:38.600 --> 02:05:41.159 just about a week ago, I went to go log 2374 02:05:41.239 --> 02:05:44.359 into their software that controls all this and I was 2375 02:05:44.399 --> 02:05:47.239 signed out. And I went to sign in, it said 2376 02:05:47.279 --> 02:05:48.439 my password is in dallad. 2377 02:05:48.760 --> 02:05:50.159 Okay and listen. 2378 02:05:50.239 --> 02:05:51.880 Well, I'm going to tell you a few things it 2379 02:05:51.880 --> 02:05:55.159 could be, but better than that, I'm not going to 2380 02:05:55.239 --> 02:05:58.840 tell you that. I'm going to tell you I have 2381 02:05:59.079 --> 02:06:02.000 very complicated in my home, and I will tell you 2382 02:06:02.039 --> 02:06:04.720 that I use my modem in bridge mode, I go 2383 02:06:04.840 --> 02:06:06.840 to a mesh. I have all of the same stuff 2384 02:06:06.840 --> 02:06:09.720 you're talking about. Here's what you do, even though you 2385 02:06:09.800 --> 02:06:10.840 think it's not going to work. 2386 02:06:10.920 --> 02:06:12.319 Try it. Please try it. 2387 02:06:13.199 --> 02:06:16.479 Uninstall that app on your phone completely, get rid of it, 2388 02:06:17.359 --> 02:06:22.239 and then download it again. Also, take every piece of 2389 02:06:22.319 --> 02:06:25.239 power out of your network and let it sit for 2390 02:06:25.279 --> 02:06:26.079 thirty seconds. 2391 02:06:26.600 --> 02:06:31.119 Complete every piece the modem for the transfer. The does 2392 02:06:31.159 --> 02:06:34.479 the transfer have power or is it powered by the light? 2393 02:06:34.600 --> 02:06:36.960 Powered by the light? What is it powered by the 2394 02:06:37.039 --> 02:06:38.359 light or do you have to plug it in. 2395 02:06:39.760 --> 02:06:42.319 Well, I hate to be the bearer of bad news, Tom, 2396 02:06:42.399 --> 02:06:44.880 but I have tried all the above. Okay, remove the 2397 02:06:44.920 --> 02:06:47.479 app from all my devices. I've power cycled all of 2398 02:06:47.479 --> 02:06:48.000 my equipment. 2399 02:06:48.399 --> 02:06:50.119 But did you do them all at the same time? 2400 02:06:50.159 --> 02:06:54.000 Did you power cycle the entire system down completely and 2401 02:06:54.119 --> 02:06:58.680 remove the app, then install the app, then reboot the system. 2402 02:06:58.680 --> 02:06:59.399 Did you do all that? 2403 02:07:00.920 --> 02:07:01.119 Yes? 2404 02:07:01.199 --> 02:07:04.680 I have, and then and then it's broken wound If 2405 02:07:04.720 --> 02:07:07.000 I can take an Ethernet cable and I can connect 2406 02:07:07.520 --> 02:07:10.359 hard line straight to the media converter, and that's not 2407 02:07:10.439 --> 02:07:13.159 the issue. Now everything's working as it should. I just 2408 02:07:13.199 --> 02:07:14.640 can't walk into the systems. 2409 02:07:14.920 --> 02:07:17.000 Right, you can't set your parameters. 2410 02:07:17.359 --> 02:07:22.520 You can't set your parameters somehow the app. I think 2411 02:07:22.560 --> 02:07:24.800 it's in the app and not in the hardware. Okay, 2412 02:07:24.840 --> 02:07:26.279 hardware doesn't change. 2413 02:07:28.159 --> 02:07:30.520 I think it's more frustrating, Tom. This is a simple 2414 02:07:30.560 --> 02:07:32.760 issue that should be handled by their customer service. 2415 02:07:33.039 --> 02:07:33.199 Right. 2416 02:07:33.239 --> 02:07:36.119 You can't get to anybody. You can't reach a person 2417 02:07:36.720 --> 02:07:39.479 I sat on you get on their chat. It is 2418 02:07:39.640 --> 02:07:41.840 I think there was like one hundred something people on there. 2419 02:07:42.000 --> 02:07:44.239 I sat on there for three hours and when I 2420 02:07:44.319 --> 02:07:46.960 finally got to the chat, it is shut down on me. 2421 02:07:47.560 --> 02:07:52.239 Hold on the second. Listen, I share your frustration. Listen, 2422 02:07:52.279 --> 02:07:55.720 you're not technology in general. You're not the only one. 2423 02:07:55.760 --> 02:07:59.079 Whether it's Sentry Link or whatever it is, everyone has 2424 02:07:59.119 --> 02:08:00.800 the same problem with customer support. 2425 02:08:00.840 --> 02:08:04.760 No one wants to talk to anyone. So what I'd 2426 02:08:04.800 --> 02:08:05.520 like to know is. 2427 02:08:05.439 --> 02:08:07.399 I got it, and another thing too. Con My other 2428 02:08:07.520 --> 02:08:10.039 issue is I'm supposed to be getting a credit. I 2429 02:08:10.079 --> 02:08:12.720 have two kids, and I get that FDC credit towards 2430 02:08:12.840 --> 02:08:13.439 internet bill. 2431 02:08:13.640 --> 02:08:15.199 Yeah, all of a sudden. 2432 02:08:14.920 --> 02:08:17.840 Like three months ago, that stopped showing up on credit 2433 02:08:17.880 --> 02:08:20.520 towards my bill. And I can't on anybody to find 2434 02:08:20.520 --> 02:08:21.199 out what happened with. 2435 02:08:21.520 --> 02:08:24.439 Have you ever thought about just discontinuing the service and 2436 02:08:24.560 --> 02:08:26.640 just to go with a Google Mesh? 2437 02:08:27.479 --> 02:08:30.800 Check this out, man. If you go to cancel, you 2438 02:08:30.840 --> 02:08:33.399 go online to your portal to cancel your service. It 2439 02:08:33.439 --> 02:08:36.039 makes you call their phone number, and you call their 2440 02:08:36.079 --> 02:08:38.439 phone number, you'll sit on hold for two hours and 2441 02:08:38.439 --> 02:08:39.880 then you don't talk to anybody. You can. 2442 02:08:40.039 --> 02:08:42.560 I bet you if you unplugged their equipment and don't 2443 02:08:42.600 --> 02:08:44.399 pay the bill, you'll get their attention. 2444 02:08:46.039 --> 02:08:47.600 Well, they'll send me to collections. 2445 02:08:47.960 --> 02:08:48.520 I mean, where are you? 2446 02:08:49.359 --> 02:08:50.920 Who cares? Who cares? 2447 02:08:51.000 --> 02:08:54.920 I mean, listen, If truly it's as frustrating as you 2448 02:08:54.960 --> 02:08:57.560 say it is, and I have no doubt, here's what 2449 02:08:57.560 --> 02:08:57.960 I would do. 2450 02:08:58.000 --> 02:09:01.119 I would literally put in an system and take that 2451 02:09:01.199 --> 02:09:04.000 system out and not pay the bill. That's exactly. 2452 02:09:04.199 --> 02:09:06.439 And then when I get their attention, i'd say, you 2453 02:09:06.600 --> 02:09:10.000 never responded. Here's and I would keep copious notes on 2454 02:09:10.079 --> 02:09:12.600 when I tried to connect to them and get help. 2455 02:09:12.920 --> 02:09:14.800 And then if they take if they try to send 2456 02:09:14.840 --> 02:09:15.880 you a collection, this big deal. 2457 02:09:16.359 --> 02:09:17.319 They'd have to go to court. 2458 02:09:17.359 --> 02:09:19.680 And if they literally have the nerve to take you 2459 02:09:19.720 --> 02:09:22.720 to court, you march in with the equipment and with 2460 02:09:22.800 --> 02:09:26.039 your notes, saying, here is the service I've gotten that 2461 02:09:26.119 --> 02:09:29.319 I refuse to pay for, and you win. Here's the problem. 2462 02:09:29.560 --> 02:09:33.520 People don't do that. People don't do that kind of thing. 2463 02:09:33.800 --> 02:09:36.039 But that's what you need to do. If it is 2464 02:09:36.199 --> 02:09:38.760 as frustrating as you say it is, and I believe you, 2465 02:09:39.079 --> 02:09:41.960 and if you truly tried to do what I did 2466 02:09:42.520 --> 02:09:46.600 with the rebooting of the entire system and reapplication, I 2467 02:09:46.600 --> 02:09:48.640 would do it. But I got to tell you, man, 2468 02:09:48.760 --> 02:09:52.760 there's no magic. There isn't Sometimes there are just companies 2469 02:09:53.039 --> 02:09:56.680 that suck, just totally absolutely suck. 2470 02:09:57.239 --> 02:09:59.880 I mean there are, by the way, I'm. 2471 02:09:59.720 --> 02:10:01.239 Glad what I was able to get on is face 2472 02:10:01.359 --> 02:10:02.800 some Tom. That's what people need to know. 2473 02:10:02.960 --> 02:10:03.439 Be aware. 2474 02:10:03.960 --> 02:10:06.880 But I would, I swear to God, I would disconnect 2475 02:10:06.880 --> 02:10:09.359 that I would get I would get sentry link or 2476 02:10:09.439 --> 02:10:11.920 something in there. I would use a just use any 2477 02:10:12.199 --> 02:10:15.279 What you do is get a regular generic modem and 2478 02:10:15.359 --> 02:10:18.000 have it go to Google Mesh and then control everything 2479 02:10:18.119 --> 02:10:19.079 through Google Mesh. 2480 02:10:19.279 --> 02:10:21.720 We have more coming up on the Troubleshooter Show. 2481 02:10:22.279 --> 02:10:25.520 Go with a sure thing Denver's Best roofer Excel Roofing 2482 02:10:25.640 --> 02:10:26.199 dot com. 2483 02:10:26.279 --> 02:10:28.279 You don't pay a cent until you're content. 2484 02:10:31.640 --> 02:10:35.199 Time for an insurance checkup free no obligation comparison call 2485 02:10:35.319 --> 02:10:38.640 Compass Insurance. Pay too much your coverage at dozens of 2486 02:10:38.640 --> 02:10:41.600 insurance companies find out now three O three seven seven 2487 02:10:41.600 --> 02:10:44.399 to one help. You'll think you're his only customer when 2488 02:10:44.399 --> 02:10:46.920 you choose Frank durand the real estate Man dot com 2489 02:10:46.920 --> 02:10:50.000 to list your home with Remax Alliance three oh three 2490 02:10:50.119 --> 02:10:56.319 nine two zero sixteen twenty two. Hey Tom Martino, your 2491 02:10:56.359 --> 02:11:04.319 troubleshooter Anthony, you have an employment law question. What's going on, Anthony, 2492 02:11:04.479 --> 02:11:06.800 I'll give you the quick mile above you. 2493 02:11:07.880 --> 02:11:13.000 Short version is, my wife's company did a bunch of 2494 02:11:13.159 --> 02:11:18.800 layoffs literally yesterday. Oh oh, and then they talked to 2495 02:11:18.840 --> 02:11:21.840 her today and I'm not sure who they talked to 2496 02:11:21.880 --> 02:11:26.439 her today, wanted to give her quote opinions on the situation, 2497 02:11:27.279 --> 02:11:30.600 and then after that they let her go. 2498 02:11:33.079 --> 02:11:35.560 Do you think because of her answer they let her go? 2499 02:11:38.000 --> 02:11:39.840 I mean, to me, in my mind, that's the only 2500 02:11:40.159 --> 02:11:42.119 logical answer, because if they were going to let her 2501 02:11:42.119 --> 02:11:44.079 go as part of the mass layoff that they literally 2502 02:11:44.079 --> 02:11:46.199 did yesterday, they would have let her go yesterday with 2503 02:11:46.239 --> 02:11:46.920 everyone else. 2504 02:11:47.199 --> 02:11:49.840 Well, what did she tell them? What was her opinion? 2505 02:11:50.560 --> 02:11:54.680 Did she know the exact thing? Because she's there, they're digging, 2506 02:11:54.720 --> 02:11:58.000 they're getting another it's not an exit interview, but they're 2507 02:11:58.439 --> 02:11:59.960 having somebody talk to her right now. 2508 02:12:00.279 --> 02:12:02.800 Okay, what did you What kind of company is this? 2509 02:12:04.119 --> 02:12:07.880 It's a nationwide shipping company. 2510 02:12:08.520 --> 02:12:12.119 Is she a higher up middle management or what a flunky? 2511 02:12:12.159 --> 02:12:15.840 What is she more in the middle payroll area? 2512 02:12:16.600 --> 02:12:17.920 Is she in management at all? 2513 02:12:21.800 --> 02:12:23.319 Hourly payroll clerk? 2514 02:12:23.439 --> 02:12:23.960 Basically? 2515 02:12:24.439 --> 02:12:27.640 Okay, So, Anthony, what is your question? 2516 02:12:29.359 --> 02:12:31.800 Does that sound to you like something we should talk 2517 02:12:31.880 --> 02:12:33.640 to a labor lawyer about as well. 2518 02:12:33.680 --> 02:12:36.439 Tell me why you why do you think that? Tell 2519 02:12:36.439 --> 02:12:38.439 me why you think that? I mean, I don't know 2520 02:12:38.439 --> 02:12:40.520 what you're thinking? What what what do you What angle 2521 02:12:40.600 --> 02:12:41.399 do you think you have? 2522 02:12:42.600 --> 02:12:45.239 If they were just wanting to let her go as 2523 02:12:45.319 --> 02:12:48.479 part of a giant layoff, why wouldn't they have done 2524 02:12:48.479 --> 02:12:51.279 that as part of the layoff They literally just did 2525 02:12:52.159 --> 02:12:55.199 instead of waiting till the next day and then asking 2526 02:12:55.239 --> 02:12:57.920 her opinion. And if they were planning on letting her go, 2527 02:12:58.920 --> 02:13:01.720 why would they need to or even care about her opinion? 2528 02:13:02.039 --> 02:13:05.279 Okay, let's do the different Let's do the different scenarios, Anthony. 2529 02:13:06.000 --> 02:13:10.479 Let's say they wanted to let her go the first 2530 02:13:10.520 --> 02:13:17.920 time around, but they forgot literally, so they let her 2531 02:13:17.920 --> 02:13:21.439 go a day later, No harm, no foul, They have 2532 02:13:21.479 --> 02:13:24.600 every right to do it. Let's say scenario number two. 2533 02:13:25.479 --> 02:13:29.119 Let's say they thought they wanted to keep her, but 2534 02:13:29.199 --> 02:13:32.319 they wanted to make sure everybody who remained behind was 2535 02:13:32.359 --> 02:13:36.039 completely on board, and they didn't like her answer, so 2536 02:13:36.079 --> 02:13:40.840 they fired her today instead of yesterday, absolutely positively within 2537 02:13:40.920 --> 02:13:42.840 their power, with no problem. 2538 02:13:43.520 --> 02:13:44.840 Let's take another scenario. 2539 02:13:45.720 --> 02:13:48.039 Let's say they were on the fence and they weren't 2540 02:13:48.039 --> 02:13:50.239 sure if they wanted to keep her or not. And 2541 02:13:50.319 --> 02:13:52.359 somebody says, you know what, I don't like the smirk 2542 02:13:52.399 --> 02:13:56.760 on her face. And so they fired her absolutely positively 2543 02:13:56.800 --> 02:13:58.680 within their power, with no problem. 2544 02:13:59.119 --> 02:14:02.119 Let's take another scenario. She walks in and they say, 2545 02:14:02.159 --> 02:14:05.520 we didn't realize she's a woman she or we didn't 2546 02:14:05.560 --> 02:14:07.960 realize she was black, or we didn't realize she was Jewish, 2547 02:14:08.079 --> 02:14:10.760 or we didn't realize she was this old. 2548 02:14:11.479 --> 02:14:17.159 Then they would have a problem, gotcha. So I don't 2549 02:14:17.199 --> 02:14:20.159 What I'm trying to get at is why. And again 2550 02:14:20.199 --> 02:14:22.960 I'm not challenging you because you might know something. I 2551 02:14:22.960 --> 02:14:26.239 don't why you thought there would be why they can't 2552 02:14:26.359 --> 02:14:29.319 just do that? What is there that you thought they 2553 02:14:29.319 --> 02:14:30.119 were doing wrong? 2554 02:14:31.199 --> 02:14:34.079 I guess I didn't see it from that perspective. The 2555 02:14:34.119 --> 02:14:36.279 only car and I saw was that they called her 2556 02:14:36.439 --> 02:14:38.760 asking for her opinion on it. 2557 02:14:39.479 --> 02:14:46.600 And you can be fired for your opinion. True, you 2558 02:14:46.640 --> 02:14:49.560 can be fired for anything. I mean, really, you can 2559 02:14:49.600 --> 02:14:52.479 be fired for your opinion. You really can be I 2560 02:14:52.520 --> 02:14:55.279 mean even I'm going to tell you something that you 2561 02:14:55.359 --> 02:14:57.119 might find crazy. 2562 02:14:57.199 --> 02:14:58.199 If they don't like your. 2563 02:14:58.119 --> 02:15:00.560 Opinion about Trump, or they don't like your opinion about 2564 02:15:00.640 --> 02:15:04.359 Kamala Harris. They can fire you. People don't think they 2565 02:15:04.359 --> 02:15:07.520 can be fired for politics. They can be They can't 2566 02:15:07.560 --> 02:15:11.359 be suppressed while they're on the job as far as 2567 02:15:11.399 --> 02:15:14.199 expressing themselves legally somewhere else. 2568 02:15:15.000 --> 02:15:17.680 But they can be fired if they don't jive with 2569 02:15:17.760 --> 02:15:18.399 the company. 2570 02:15:20.319 --> 02:15:24.600 They really can be Now, they can't be fired if 2571 02:15:24.640 --> 02:15:28.680 the company they don't like black people. And she says, 2572 02:15:29.079 --> 02:15:34.880 I don't believe in discrimination. That's different. There are only 2573 02:15:35.000 --> 02:15:37.439 certain things that are actually protected. 2574 02:15:39.439 --> 02:15:39.760 Now. 2575 02:15:40.479 --> 02:15:44.640 Obviously, companies can be jerks and canceled and all that 2576 02:15:44.800 --> 02:15:49.800 for atrocious behavior with employees. That's why they don't do 2577 02:15:49.880 --> 02:15:53.680 it right. But I don't see this as atrocious. I 2578 02:15:53.760 --> 02:15:57.359 see this as just they just handled they bungled it, 2579 02:15:57.359 --> 02:16:00.880 they handled it wrong. I mean, you know, they should 2580 02:16:00.920 --> 02:16:04.199 have told her why, what reason did they give her? 2581 02:16:04.880 --> 02:16:07.640 They they haven't given her a reason. That's why the 2582 02:16:07.640 --> 02:16:11.199 person's calling her a little bit later. So it sounds like, really, 2583 02:16:11.239 --> 02:16:13.560 the only thing we've got would be the unemployment. 2584 02:16:14.920 --> 02:16:17.520 That's what you yeah, because if she wasn't fired for 2585 02:16:17.640 --> 02:16:20.640 cause or it wouldn't be adequate. By the way they 2586 02:16:20.680 --> 02:16:23.199 didn't like her answers, that's not an adequate reason. She 2587 02:16:23.279 --> 02:16:26.000 can get unemployment, That's what I would go for, or 2588 02:16:26.119 --> 02:16:28.840 she can just when they call, say, listen, I would 2589 02:16:28.840 --> 02:16:29.199 like to know. 2590 02:16:29.239 --> 02:16:30.760 Is there anything I can do to make this up? 2591 02:16:30.800 --> 02:16:31.640 I love my job. 2592 02:16:31.840 --> 02:16:34.520 If she does, and if it's not against the law, 2593 02:16:34.559 --> 02:16:38.159 if it's not illegal, if it's not immoral, maybe she'll 2594 02:16:38.399 --> 02:16:39.319 get her job back. 2595 02:16:39.440 --> 02:16:41.799 I mean that the company is smart. If you're not 2596 02:16:41.840 --> 02:16:45.159 giving a reason, that's right. 2597 02:16:45.879 --> 02:16:48.239 But what what you don't understand is they can give 2598 02:16:48.239 --> 02:16:51.680 a reason and still be smart because you don't have 2599 02:16:51.760 --> 02:16:52.280 to have a. 2600 02:16:52.159 --> 02:16:54.239 Good reason, right. 2601 02:16:55.200 --> 02:16:57.559 But I mean, but the only reason. 2602 02:16:57.760 --> 02:17:00.159 Look, look, I think if she likes her job, she 2603 02:17:00.159 --> 02:17:02.000 should tell them that and just be honest. 2604 02:17:02.000 --> 02:17:04.360 Say I'm floored. I don't know why I was fired. 2605 02:17:04.360 --> 02:17:07.000 Why didn't you fire me yesterday? Just ask them. People 2606 02:17:07.120 --> 02:17:10.799 love directness and honesty, not threats. They love directness and 2607 02:17:10.840 --> 02:17:14.479 honesty more. Coming right up, Go with a sure. 2608 02:17:14.319 --> 02:17:17.760 Thing Denver's best roofer Excel roofing dot com. You don't 2609 02:17:17.799 --> 02:17:23.799 pay a cent until you're content. Time for an insurance 2610 02:17:23.879 --> 02:17:28.040 checkup free, no obligation. In comparison, call Compass insurance paying 2611 02:17:28.040 --> 02:17:31.079 too much your coverage at dozens of insurance companies. Find 2612 02:17:31.120 --> 02:17:33.079 out now three all three seven to seven to one. 2613 02:17:33.200 --> 02:17:36.040 Help you'll think you're his only customer when you choose 2614 02:17:36.040 --> 02:17:38.559 Frank durand the real estate Man dot com to list 2615 02:17:38.600 --> 02:17:41.680 your home with Remax Alliance three all three nine two 2616 02:17:41.760 --> 02:17:49.319 zero sixteen twenty two. Hi Tom Martino, Here excelroofing dot 2617 02:17:49.360 --> 02:17:50.959 com for all. 2618 02:17:50.799 --> 02:17:54.479 Of your roofing needs. The people I call first anything 2619 02:17:54.520 --> 02:17:57.760 to do with my roof excel as an excellent ex 2620 02:17:58.639 --> 02:18:09.239 Cel excelroofing dot com. Hey, let's talk solar. So someone 2621 02:18:09.280 --> 02:18:12.280 wants to know what financing is available. They can get 2622 02:18:12.319 --> 02:18:18.319 tax credits, what about the actual of financing on a 2623 02:18:18.360 --> 02:18:19.760 house system? What can they get? 2624 02:18:19.879 --> 02:18:21.799 So there's a couple loans that we can look at. 2625 02:18:21.840 --> 02:18:24.639 One would be the renew loan that Colorado supports. 2626 02:18:24.959 --> 02:18:26.920 And how long does that go to. 2627 02:18:27.719 --> 02:18:30.159 The loan program? No end date? 2628 02:18:30.360 --> 02:18:33.000 And then we've got in house financing through a company 2629 02:18:33.000 --> 02:18:33.680 called good Leap. 2630 02:18:33.760 --> 02:18:34.959 And what are rates running around? 2631 02:18:35.319 --> 02:18:40.000 They're pretty ugly, like what, oh gosh, that's around five 2632 02:18:40.040 --> 02:18:40.399 to nine. 2633 02:18:40.559 --> 02:18:42.479 Well that's not terrible. Actually that's not. 2634 02:18:42.559 --> 02:18:45.319 Terrible, but the dealer fees are pretty high. So that 2635 02:18:45.360 --> 02:18:48.040 renew loan's pretty good because there are no dealer fees. 2636 02:18:48.079 --> 02:18:49.840 In it good, and then we're starting to do some 2637 02:18:49.959 --> 02:18:52.559 leases again. They're starting to go back that way because 2638 02:18:52.600 --> 02:18:54.879 they're way more affordable than the loans are. 2639 02:18:55.040 --> 02:19:00.920 All right, very cool, that's probit energy dot com