WEBVTT 1 00:00:00.800 --> 00:00:05.879 Yea ripped. 2 00:00:07.799 --> 00:00:10.800 You need advice so you don't have. 3 00:00:13.000 --> 00:00:13.800 Come running. 4 00:00:14.039 --> 00:00:19.000 Just as fast as we can, show Shooter's gonna help come. 5 00:00:19.239 --> 00:00:28.399 Man six is the Troubleshooter Show Now, Tom Martine. 6 00:00:28.440 --> 00:00:31.079 Hello, Tom Martino here, Welcome to the show. Three oh 7 00:00:31.160 --> 00:00:34.600 three seven one three Talk three oh three seven one 8 00:00:34.640 --> 00:00:37.399 three eight two five five. How you doing today? What 9 00:00:37.439 --> 00:00:39.759 can we do to solve your problems? Answer your questions, 10 00:00:39.799 --> 00:00:41.600 take your complaints, make your life a little easier? 11 00:00:41.799 --> 00:00:42.079 Major? 12 00:00:42.119 --> 00:00:45.759 Mark, Major on the other mic, Mark on the mic. 13 00:00:46.520 --> 00:00:49.840 What's happening? I am here, sir? Anyway, Yes, sir, And 14 00:00:49.880 --> 00:00:52.920 for those streaming, you'll see a weird camera view of Mark. 15 00:00:53.679 --> 00:00:56.719 They got kicked out of their house. Now, why we're 16 00:00:56.719 --> 00:00:59.880 out here, out of your house. They're standing weather and 17 00:01:00.000 --> 00:01:04.359 installing new hardwood. Then they're standing everything to match our 18 00:01:04.560 --> 00:01:06.959 entire first floor. So we are living out of an 19 00:01:07.079 --> 00:01:11.879 RV for a week. Oh, that's kind of fun, camping 20 00:01:11.959 --> 00:01:14.840 right at the house there. The dogs must be confused 21 00:01:14.879 --> 00:01:18.439 as hell. Wait, wait, we're not going, but we're not gone. Yeah, 22 00:01:18.480 --> 00:01:22.359 that's right anyway. Three oh three seven one three Talks 23 00:01:22.359 --> 00:01:24.079 seven one three two five five. 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Do you know I've been privileged over the 32 00:01:49.200 --> 00:01:52.239 past forty five years, that's just here in Denver, not 33 00:01:52.359 --> 00:01:55.120 town before, but the past forty five years to have 34 00:01:55.159 --> 00:01:57.640 some of the best sponsors in the business people. 35 00:01:58.400 --> 00:02:00.120 I expect you to hold. 36 00:01:59.840 --> 00:02:02.599 Me to my word, and if you have a problem 37 00:02:02.640 --> 00:02:04.799 with someone I recommend, I want to know it. I 38 00:02:04.840 --> 00:02:06.959 swear to you. And the reason I brought this up 39 00:02:07.040 --> 00:02:11.000 is I got this this text, well it's I guess yeah, 40 00:02:11.039 --> 00:02:14.199 it's a text earlier saying I think you'd sing another 41 00:02:14.280 --> 00:02:17.439 tune if that person wasn't on your referral list. He 42 00:02:17.479 --> 00:02:20.080 was referring to the Gravina call of the other day, 43 00:02:20.800 --> 00:02:24.759 where we're really there was a problem. There was a problem, 44 00:02:25.039 --> 00:02:28.039 but it was clear that it was a manufacturer problem, 45 00:02:28.439 --> 00:02:31.120 and the guy wanted to help her with the manufacturer anyway, 46 00:02:31.319 --> 00:02:33.639 this guy thought I'd be demanding the install a new window, 47 00:02:33.680 --> 00:02:36.879 calling them lion sheets and ripoffs. If you truly, truly 48 00:02:36.919 --> 00:02:40.719 objectively go back in your memory banks. I treat everyone 49 00:02:40.759 --> 00:02:44.240 the same. Now I expect actually I'm harder on those 50 00:02:44.280 --> 00:02:46.240 on the referral list. I expect him to go the 51 00:02:46.240 --> 00:02:50.280 extra mile. Now here's the point, does anyone really believe? 52 00:02:50.319 --> 00:02:53.039 I mean, seriously, it gets tiring after a while. So 53 00:02:53.039 --> 00:02:56.520 I've been doing this forty five years and people think, oh, well, 54 00:02:56.599 --> 00:02:58.520 you just treat that person this way, or you just 55 00:02:58.560 --> 00:03:01.360 did this, or you manufacture You made this up from 56 00:03:01.400 --> 00:03:05.039 my career from television to radio because I go after people. 57 00:03:05.039 --> 00:03:06.280 It's a controversial career. 58 00:03:06.840 --> 00:03:08.680 So I have people all the time excuse me, you 59 00:03:08.719 --> 00:03:10.400 would do this and you do that. You're taking money 60 00:03:10.400 --> 00:03:12.360 on the side, you're doing this, you're doing that. Even 61 00:03:12.439 --> 00:03:15.479 Channel seven in the Day back in several years ago 62 00:03:15.560 --> 00:03:17.520 tried to do a sting on me and had me 63 00:03:17.560 --> 00:03:19.159 go in a room and a guy offers me six 64 00:03:19.240 --> 00:03:20.599 grand in a brown paper bag. 65 00:03:20.919 --> 00:03:23.520 I mean, come on to be on my referral list 66 00:03:23.639 --> 00:03:27.960 for when No, here's what happened, Mark. 67 00:03:27.960 --> 00:03:32.680 Honest to God, Channel I think it was Kobaleski and 68 00:03:32.719 --> 00:03:36.000 Ferugia trying to make their mark by going after Martinez. 69 00:03:36.039 --> 00:03:38.319 So that just goes to show you who they considered 70 00:03:38.400 --> 00:03:43.000 on a pedestal. But anyway, what happened was this guy 71 00:03:43.719 --> 00:03:46.080 who had the worst moving company in the world, and 72 00:03:46.120 --> 00:03:54.120 I put him on my sleeves brigade. So he called me, Tom, 73 00:03:54.800 --> 00:03:57.120 I need to talk to you. I was approached by 74 00:03:57.199 --> 00:04:02.560 Channel seven to do a sting on you, and I 75 00:04:02.599 --> 00:04:05.680 said what he says, Yeah, they want me to offer 76 00:04:05.719 --> 00:04:08.919 you six grand in a brown paper bag to be 77 00:04:08.960 --> 00:04:13.039 on the referral list cash. So because you know, you 78 00:04:13.080 --> 00:04:16.120 set up such a sleeve now Mark, this is true story, 79 00:04:16.160 --> 00:04:17.519 so I said. 80 00:04:17.319 --> 00:04:18.040 Go ahead and do it. 81 00:04:19.160 --> 00:04:20.800 I said, go ahead and do it, you know, so 82 00:04:21.879 --> 00:04:24.319 you know, I walk into this obvious set up, real 83 00:04:24.360 --> 00:04:28.319 bright light. So anyway, it's just funny because you know, 84 00:04:29.240 --> 00:04:33.480 does anyone really believe, I mean, taking bribes even judges 85 00:04:33.480 --> 00:04:36.040 and stuff. I imagine there are some slying scum bags 86 00:04:36.040 --> 00:04:38.439 in the in the Bush administration, there were for sure, 87 00:04:38.480 --> 00:04:44.680 But for me, I mean truly, why, especially at my age, 88 00:04:44.839 --> 00:04:47.720 but at any age, why would anyone risk an entire 89 00:04:47.759 --> 00:04:51.600 career to do something counter to their beliefs. Now, obviously 90 00:04:51.639 --> 00:04:53.920 there are scumbags out there, but do you know most 91 00:04:53.920 --> 00:04:56.759 of the people we meet, even on this show, most 92 00:04:56.759 --> 00:04:59.319 of the people we meet, the vendors, the people that 93 00:04:59.319 --> 00:05:01.720 are complaining to turn out to be not so bad. 94 00:05:02.120 --> 00:05:05.000 I mean, Deputy d you do a lot of problem solving. 95 00:05:05.160 --> 00:05:08.120 I want to ask you something, So, how many times 96 00:05:08.279 --> 00:05:09.439 we really find scumbags? 97 00:05:09.879 --> 00:05:12.319 Oh, I'd say it's pretty unusual. Yes, I would really 98 00:05:12.399 --> 00:05:14.399 most of the time it's a legitimate. 99 00:05:13.920 --> 00:05:16.800 Mistake or some kind maybe or scumbag. 100 00:05:17.360 --> 00:05:19.920 I would say, maybe less, a little less than ten percent. 101 00:05:20.160 --> 00:05:22.519 A little less, I'd tell you, actually two I said 102 00:05:22.560 --> 00:05:25.199 one to two percent. I mean of real, true evil 103 00:05:25.240 --> 00:05:27.879 scumbags that want to rip people off Martin, like like 104 00:05:28.000 --> 00:05:32.040 Jeff Jolliffe. Okay, how many Jeff joalaffs or or Mike 105 00:05:32.079 --> 00:05:35.399 sharreiefs from way back in the day with four by four? 106 00:05:35.600 --> 00:05:36.839 But what was that other guy? 107 00:05:37.079 --> 00:05:40.199 Well, don't forget about someone who, in my personal opinion, 108 00:05:40.839 --> 00:05:45.240 is just a satanically graded Satanic grade the scumbag which 109 00:05:45.279 --> 00:05:45.759 would be. 110 00:05:47.000 --> 00:05:49.519 Grade oh my god, But it's only my opinion. 111 00:05:50.279 --> 00:05:54.439 Justin Garcia for from Patriot remodeling, who took an elderly 112 00:05:54.560 --> 00:05:59.360 lady's last sixty thousand dollars and has steadfastly refused to 113 00:05:59.360 --> 00:05:59.959 give it back. 114 00:06:00.959 --> 00:06:03.560 And oh but we've messed some We've met some people. 115 00:06:03.639 --> 00:06:06.199 Oh my god. You go to sleas brigade dot com. 116 00:06:06.240 --> 00:06:08.240 You can get an idea Mark who stands out to 117 00:06:08.439 --> 00:06:09.920 is being incorrigible. 118 00:06:10.800 --> 00:06:13.879 Don Eiley is probably the one that always comes back 119 00:06:13.920 --> 00:06:17.079 because not only many ruined a lot of businesses, but 120 00:06:17.199 --> 00:06:19.720 there was some suicides because of him. 121 00:06:19.759 --> 00:06:25.920 He's an evil piece of Yeah. He takes these small 122 00:06:25.959 --> 00:06:29.720 companies and says he'll do their payroll. So he submits 123 00:06:29.800 --> 00:06:33.360 the irs no payroll, meaning for that quarter they had 124 00:06:33.360 --> 00:06:37.920 no payroll. So then he submits to the employee employer 125 00:06:38.120 --> 00:06:41.519 he works for all of the real costs. 126 00:06:41.560 --> 00:06:42.439 They write him checks. 127 00:06:42.480 --> 00:06:44.839 He keeps the money because you write him to your 128 00:06:44.879 --> 00:06:48.519 accountant and then they forward it to they take it 129 00:06:48.519 --> 00:06:52.160 in trust in some cases. So Mark what we estimated 130 00:06:52.160 --> 00:06:54.480 about twenty million. Mark goes down and confronts him live 131 00:06:54.519 --> 00:06:57.639 on the air. The guy is like a zombie, just 132 00:06:57.759 --> 00:07:00.360 keeps like like Mark's not even there. It's it's like 133 00:07:00.399 --> 00:07:05.439 a Saturday Night Live skit. Anyway, Mark, so he goes 134 00:07:05.560 --> 00:07:08.680 he literally was arrested all of the people that call 135 00:07:08.759 --> 00:07:12.000 the show. We started this whole thing. I mean, we 136 00:07:12.040 --> 00:07:14.519 started all the noise and everything. So he goes to 137 00:07:14.560 --> 00:07:17.439 prison and then Mark's looking on the Better Business Bureau 138 00:07:17.720 --> 00:07:19.319 page and what did you find, Mark. 139 00:07:21.519 --> 00:07:27.600 Well, he had a triple live star rate plus triple 140 00:07:27.680 --> 00:07:29.319 or whatever they call it, a plus. 141 00:07:29.199 --> 00:07:33.000 Rating on the BA A plus a plus. 142 00:07:33.959 --> 00:07:37.800 I think he actually off himself in prison or died 143 00:07:37.879 --> 00:07:41.000 in prison. In the last year, I received two emails 144 00:07:41.040 --> 00:07:44.399 that he died in prison, but he got twelve years. 145 00:07:44.800 --> 00:07:45.759 But when you go to. 146 00:07:45.720 --> 00:07:49.000 The fedpen you get an automatic ten percent or twenty 147 00:07:49.040 --> 00:07:53.120 percent good behavior. So but I heard he died now man. 148 00:07:53.279 --> 00:07:56.240 But the other one time was Jay Lopez. He would 149 00:07:56.319 --> 00:07:59.560 go to different counties. He would get anywhere from three 150 00:07:59.600 --> 00:08:02.680 to five grand upfront to do a driveway new cement 151 00:08:03.079 --> 00:08:05.759 and never show up. I mean, this guy never did 152 00:08:05.879 --> 00:08:08.879 anything but cash the check, and we got his ass 153 00:08:08.920 --> 00:08:09.680 throat in jail. 154 00:08:12.079 --> 00:08:16.399 Yeah. Well, then we have Jim Wiese Sleazy Auto service 155 00:08:16.399 --> 00:08:19.560 in Bennett forty fourth and this guy that you can 156 00:08:20.040 --> 00:08:21.040 this guy you confronted. 157 00:08:21.120 --> 00:08:23.959 I don't even know if you remember that. Henry Gonzalez. 158 00:08:26.399 --> 00:08:29.839 I remember saying after you went to him. I put 159 00:08:29.839 --> 00:08:33.000 it on the Sea Spagade. Worst body shop ever. Henry 160 00:08:33.000 --> 00:08:36.919 Gonzalez gives Bondo a bad name. Yeah he was. 161 00:08:38.879 --> 00:08:39.360 He was in. 162 00:08:39.879 --> 00:08:42.759 That guy worked out of his house or a garage. 163 00:08:42.799 --> 00:08:44.840 He built out of his house, and it was. 164 00:08:44.799 --> 00:08:48.559 Either Elizabeth or Parker, and he wouldn't even let me 165 00:08:48.600 --> 00:08:49.320 on the property. 166 00:08:49.440 --> 00:08:49.799 That guy. 167 00:08:50.039 --> 00:08:52.720 How about This guy turned out to be okay, but 168 00:08:52.759 --> 00:08:55.720 he had a window company. His last name was Romerez. 169 00:08:56.240 --> 00:08:58.120 So you know, back in the day, I thought I 170 00:08:58.200 --> 00:09:00.320 was pretty bad ass. I went and knocked out this 171 00:09:00.360 --> 00:09:03.840 guy Guy's door down in Highland's Ranch, and I think 172 00:09:03.879 --> 00:09:06.519 we were live and I was walking up to him. 173 00:09:06.960 --> 00:09:10.639 The biggest guy I ever saw. He played linebacker for 174 00:09:10.720 --> 00:09:14.120 the damn Raiders. Oh yeah, yeah, he scared the hell 175 00:09:14.200 --> 00:09:14.600 out of me. 176 00:09:14.679 --> 00:09:14.840 Man. 177 00:09:15.159 --> 00:09:17.399 I was like, oh, you know what, maybe we don't 178 00:09:17.399 --> 00:09:18.399 have a problem with you. 179 00:09:18.480 --> 00:09:24.360 I gotta go. He was huge. Anyway, these are good 180 00:09:24.360 --> 00:09:26.960 memories people. If you remember a really good case, you 181 00:09:26.960 --> 00:09:30.919 want to know whatever happened to question Mark. Let us know, Alice, 182 00:09:31.240 --> 00:09:33.440 you have a car engine. What's going on with your 183 00:09:33.440 --> 00:09:34.159 car engine? 184 00:09:35.480 --> 00:09:39.879 Yes, my son took it to Accurate Motors in North Glenn. 185 00:09:40.200 --> 00:09:44.679 And they now, hold on a second. Did he take Alice? 186 00:09:44.799 --> 00:09:48.440 So he took it there for a rebuilt engine? 187 00:09:48.720 --> 00:09:52.000 No, a new engine they were supposed to okay, new 188 00:09:52.039 --> 00:09:55.039 engine from Jasper's engines. Jasper Engines. 189 00:09:55.279 --> 00:10:00.679 Yeah, well that's okay. They're called remanufactured. They're called remanufactured engines. 190 00:10:01.639 --> 00:10:03.320 But I here's what I need to know about this. 191 00:10:03.960 --> 00:10:06.080 What kind of a car? Tell me about the car. 192 00:10:07.159 --> 00:10:14.559 It's a Shoot thousand and eighteen Arcadia, I believe gmc arcadia. 193 00:10:14.639 --> 00:10:16.519 I'm not sure about the year, but I'm okay, I 194 00:10:16.559 --> 00:10:17.240 know it's a GM. 195 00:10:17.360 --> 00:10:20.679 No, that's okay, Okay, hang on and we'll come right 196 00:10:20.720 --> 00:10:23.759 back to you. And so he took his Arcadia up 197 00:10:23.799 --> 00:10:25.120 to what's the name of the shop? 198 00:10:27.879 --> 00:10:30.080 Accurate looks like Accurate Automotive. 199 00:10:30.120 --> 00:10:31.799 Up this it's called Accurate Automotive. 200 00:10:31.840 --> 00:10:32.000 Now. 201 00:10:32.039 --> 00:10:34.559 The reason I'm very hesitant about that name. We got 202 00:10:34.559 --> 00:10:36.720 to be very careful if we have a wonderful company 203 00:10:36.759 --> 00:10:40.799 called honest Accurate Auto down in the in the Springs. 204 00:10:40.840 --> 00:10:43.720 But in case, we're gonna come back and talk. What 205 00:10:43.919 --> 00:10:47.240 happened at Accurate Auto? And where's that in Thornton? Looks 206 00:10:47.279 --> 00:10:49.480 like North Glenn and North Glenn. I'm on their website, 207 00:10:49.559 --> 00:10:52.759 right okay, so we're gonna look into this right after 208 00:10:53.120 --> 00:10:53.679 this message. 209 00:10:53.720 --> 00:10:56.039 I'm Tom Martino, and the message. 210 00:10:55.759 --> 00:11:00.399 For you right now is you need to know high 211 00:11:00.440 --> 00:11:04.120 efficiency replacements of your system. If you want to get 212 00:11:04.159 --> 00:11:07.000 high efficiency heating in air and save money every month, 213 00:11:07.279 --> 00:11:09.480 you will not do better pricing than eight eight eight 214 00:11:09.519 --> 00:11:10.480 heating dot com three. 215 00:11:10.399 --> 00:11:12.840 Oh three seven seven zero two seven seven six. 216 00:11:16.720 --> 00:11:20.000 Go with a sure thing Denver's best roofer Excel Roofing 217 00:11:20.080 --> 00:11:22.759 dot com. You don't pay a cent until you're content. 218 00:11:26.120 --> 00:11:29.320 Time for an insurance check up free, no obligation. In comparison, 219 00:11:29.440 --> 00:11:33.000 call Compass Insurance paying too much your coverage at dozens 220 00:11:33.000 --> 00:11:35.759 of insurance companies find out now three oh three seven 221 00:11:35.840 --> 00:11:38.639 seven to one help. You'll think you're his only customer 222 00:11:38.679 --> 00:11:40.919 when you choose Frank durand the real estate Man dot 223 00:11:40.960 --> 00:11:44.320 com to list your home with Remax Alliance three oh 224 00:11:44.320 --> 00:11:54.519 three nine two zero sixteen twenty two. Hi Tom Martine 225 00:11:54.600 --> 00:11:58.279 here three oh three seven to one three talk So Alice, 226 00:11:59.720 --> 00:12:04.399 your son took us twenty eighteen gmc arcadia to Accurate 227 00:12:04.440 --> 00:12:10.080 auto in North Glenn and then. 228 00:12:08.799 --> 00:12:11.120 And the name and Accurate said. 229 00:12:12.399 --> 00:12:16.639 Go ahead, They've replaced they replaced the engine. A couple 230 00:12:16.600 --> 00:12:19.120 of months later, he was having issues with it leaking, 231 00:12:19.240 --> 00:12:22.480 so he took it back to them and they said 232 00:12:22.519 --> 00:12:26.919 that the rear main field was leaking and that wasn't 233 00:12:26.960 --> 00:12:30.480 part of the engine that they replaced, and so he 234 00:12:30.519 --> 00:12:31.000 took it to. 235 00:12:31.120 --> 00:12:35.000 Well, okay, it's it's not it's not it's not part 236 00:12:35.039 --> 00:12:39.799 of the engine, but it's kind of a little I 237 00:12:39.799 --> 00:12:42.440 don't think it sounds good because when they did the engine, 238 00:12:42.480 --> 00:12:44.679 I believe they had to disconnect it from their rear 239 00:12:44.720 --> 00:12:49.000 main seal and right Mark right to Dmitri, Right, guys, 240 00:12:49.200 --> 00:12:49.840 they just. 241 00:12:51.519 --> 00:12:51.679 That. 242 00:12:53.480 --> 00:12:54.799 Okay, so they. 243 00:12:55.039 --> 00:12:57.919 Engine people and they say that it is supposed to 244 00:12:58.000 --> 00:13:00.279 be replaced when you put the engine, because as it 245 00:13:00.320 --> 00:13:01.000 all comes. 246 00:13:00.840 --> 00:13:02.720 Back, that's what I thought. I don't know if it 247 00:13:02.759 --> 00:13:05.840 was supposed to be replaced, but what I do want 248 00:13:05.879 --> 00:13:10.720 to say is that it wasn't by coincidence that it's leaking. 249 00:13:11.279 --> 00:13:15.919 I mean, so I don't necessarily buy I understand what 250 00:13:15.960 --> 00:13:19.840 they're saying. That rearmain seal is not part of the engine, 251 00:13:20.120 --> 00:13:22.559 and they would have charged him for it. So is 252 00:13:22.600 --> 00:13:24.480 that what you're upset about. They want to charge for 253 00:13:24.519 --> 00:13:25.600 the rearmain seal or. 254 00:13:25.600 --> 00:13:29.159 What, No, he took it someplace else to have it fixed. 255 00:13:29.559 --> 00:13:31.679 The other person fixed it. He took it back, and 256 00:13:31.679 --> 00:13:32.039 the way. 257 00:13:31.919 --> 00:13:34.960 Well, hold on, hold on, hold on, hold on, hold on, Alice, 258 00:13:35.519 --> 00:13:37.000 What does your son want today? 259 00:13:37.039 --> 00:13:37.840 Why are you calling? 260 00:13:39.480 --> 00:13:41.720 He wants them to warrant you the engine that they 261 00:13:41.799 --> 00:13:44.679 sold him. It's still under warranty and they're not wanting 262 00:13:44.720 --> 00:13:47.039 to fix it. They're wanting to get almost five. 263 00:13:48.559 --> 00:13:53.360 Alice, Alice, please, let's just talk about today. He wants 264 00:13:53.360 --> 00:13:55.639 them to warrant it. They're not warranting it. Hold on, 265 00:13:55.919 --> 00:13:58.840 your son already got it fixed. So what your son 266 00:13:58.919 --> 00:14:02.840 is looking for is reimbursement for a repair that he 267 00:14:02.960 --> 00:14:05.200 believes should have been covered under warranty. 268 00:14:05.279 --> 00:14:05.919 Is that correct? 269 00:14:06.200 --> 00:14:09.000 No, it's not fixed. It's not fixed. 270 00:14:10.639 --> 00:14:13.120 You said he took it. I thought you said he 271 00:14:13.240 --> 00:14:15.840 took it somewhere else to be fixed. 272 00:14:15.559 --> 00:14:18.080 When when he took it to the other places for 273 00:14:18.159 --> 00:14:20.759 them to check it, they told him that that should 274 00:14:20.759 --> 00:14:22.919 have been under warranty with the engine. 275 00:14:24.639 --> 00:14:28.600 And I dreamed that part where you said, did she 276 00:14:28.720 --> 00:14:30.759 say he took it somewhere else to be fixed? Did 277 00:14:30.799 --> 00:14:31.639 she say that or not? 278 00:14:31.759 --> 00:14:40.799 She said that it's still not fixed, but not necessarily 279 00:14:40.879 --> 00:14:41.440 to fix it. 280 00:14:41.440 --> 00:14:44.240 Hey, Alice, I need you now to just answer questions 281 00:14:44.240 --> 00:14:47.919 with no stories. He took it elsewhere, he took it 282 00:14:47.960 --> 00:14:49.519 for a second and third opinion. 283 00:14:49.639 --> 00:14:50.279 Is that correct? 284 00:14:50.720 --> 00:14:51.000 Yes? 285 00:14:51.320 --> 00:14:56.120 Yes? And they said it should have been covered under 286 00:14:56.159 --> 00:15:01.639 the original job's warranty, right, yes? Yes? Okay? Did they 287 00:15:01.720 --> 00:15:06.000 say what was wrong the other shops? 288 00:15:07.240 --> 00:15:08.360 Okay? Now? 289 00:15:08.960 --> 00:15:13.519 Then did he then go back to accurate and say 290 00:15:13.799 --> 00:15:15.120 I need a rearmain seal? 291 00:15:16.519 --> 00:15:19.279 Yes, and they're still telling him that it is not 292 00:15:19.360 --> 00:15:24.639 under the warranty. They weren't they stuff that needs may 293 00:15:24.759 --> 00:15:25.320 be fixed. 294 00:15:26.639 --> 00:15:29.240 Well, if there's stuff that needs to be fixed, including 295 00:15:29.320 --> 00:15:34.480 the rearmain seal and outside of the engine, he should 296 00:15:34.519 --> 00:15:38.519 be charged for it, except for the labor. If it 297 00:15:38.639 --> 00:15:41.600 should have been done when they install the engine. They 298 00:15:41.840 --> 00:15:47.639 are not responsible for anything beyond that engine unless they 299 00:15:47.679 --> 00:15:51.799 contributed to it. But I don't believe. I don't understand 300 00:15:51.879 --> 00:15:54.120 why the rearmain seal wasn't replaced. 301 00:15:54.360 --> 00:15:56.200 Now, they would have charged your son for. 302 00:15:56.080 --> 00:15:57.960 It, but it wouldn't have been that much because the 303 00:15:58.000 --> 00:16:00.840 engine was already out of the car. I'm wondering why 304 00:16:00.879 --> 00:16:03.039 this is happening, and I need someone to call them 305 00:16:03.039 --> 00:16:05.320 while we're on the air because you want to do that. 306 00:16:05.399 --> 00:16:07.519 Yeah, Tom, I'll be happy to. Now I would like 307 00:16:07.559 --> 00:16:11.080 to provide some insight. The rear main seal is actually 308 00:16:11.159 --> 00:16:13.639 in the engine itself. It's not in the transmission. 309 00:16:13.840 --> 00:16:17.480 Oh really, yeah, so shea, So it's not. It's not. 310 00:16:17.840 --> 00:16:20.480 It's not the transmission that marries up to the transmission. 311 00:16:20.559 --> 00:16:23.360 It's where the transmission is married up to the engine. Right, 312 00:16:23.399 --> 00:16:25.279 But the rear main seal is in the engine, not 313 00:16:25.360 --> 00:16:26.200 in the transmission. 314 00:16:26.559 --> 00:16:30.120 Really, it's not the seal between them. Yes, yeah, it's 315 00:16:30.159 --> 00:16:31.559 it's It's okay, Alice. 316 00:16:31.639 --> 00:16:33.720 I'm going to have Dmitri call and try to sift 317 00:16:33.720 --> 00:16:34.039 through this. 318 00:16:34.320 --> 00:16:36.960 We're asking why they won't warrant yet, why they want 319 00:16:37.000 --> 00:16:39.879 five grand? And I agree with you, Alice, it does 320 00:16:39.919 --> 00:16:41.639 sound queer to me, It really does. 321 00:16:41.879 --> 00:16:44.320 And Ellis said that there are other issues that they 322 00:16:44.320 --> 00:16:46.799 said need to be fixed. Elis, what, Yeah, what other 323 00:16:46.960 --> 00:16:49.000 issues in this replacement engine. 324 00:16:50.120 --> 00:16:53.240 I actually don't have the paperwork in front of me. 325 00:16:53.600 --> 00:16:55.960 The network at the hotel, and I don't have that 326 00:16:55.960 --> 00:16:58.120 with me. But there's other stuff. 327 00:16:58.360 --> 00:17:00.320 What do you do? What do you do at the hospittle? 328 00:17:01.759 --> 00:17:02.759 I am a housekeeper? 329 00:17:05.319 --> 00:17:06.839 What heuse keep housekeeper. 330 00:17:07.119 --> 00:17:09.200 Oh the patients. 331 00:17:09.519 --> 00:17:11.599 Okay, oh yeah. 332 00:17:11.519 --> 00:17:15.000 Yeah, yeah, you know, Alice, that's a really good work. 333 00:17:15.400 --> 00:17:18.160 You know, they're so sure of every single person. I'll 334 00:17:18.200 --> 00:17:19.920 bet you guys are shorthanded, right. 335 00:17:20.640 --> 00:17:21.720 Oh yeah all the time. 336 00:17:23.440 --> 00:17:25.319 Yeah. Well, listen, thank you for what you do. 337 00:17:25.400 --> 00:17:28.200 Hold on, we're going to gather some information so we 338 00:17:28.240 --> 00:17:31.000 can make some phone calls for you. I'm Tom Martino 339 00:17:31.079 --> 00:17:38.640 three oh three seven one three talk. Let's talk to Jimmy. Jimmy. 340 00:17:39.359 --> 00:17:42.720 Yeah, Hi, Dom, what's going on Jimmy? 341 00:17:44.480 --> 00:17:46.000 Well, yeah, Jimmy, what's happening. 342 00:17:47.680 --> 00:17:51.359 The reason for my call is I have two thousand 343 00:17:51.400 --> 00:17:55.440 and six GMC. I had it ensured with the General. 344 00:17:56.359 --> 00:17:57.920 I have full coverage on it. 345 00:17:58.880 --> 00:18:03.400 My vehicle got roll in on the eighteenth, and it 346 00:18:03.839 --> 00:18:06.400 basically took them three weeks to get in touch with 347 00:18:06.640 --> 00:18:08.119 for me to be able to get in touch with 348 00:18:08.160 --> 00:18:09.480 somebody there at their office. 349 00:18:10.319 --> 00:18:15.920 They said, what was stolen? Jimmy, I know what was stolen? 350 00:18:17.559 --> 00:18:20.920 Two thousand What year is it? 351 00:18:22.599 --> 00:18:23.920 Two thousand and six? 352 00:18:25.640 --> 00:18:29.640 Okay, hold on a secon We're going to come back 353 00:18:29.640 --> 00:18:32.920 to you and talk about this. Okay, we're going to 354 00:18:33.000 --> 00:18:34.880 come back and talk about it. I don't blame you 355 00:18:34.960 --> 00:18:39.920 for being upset Jimmy. So we'll talk about this insurance problem, 356 00:18:39.960 --> 00:18:43.839 the stolen vehicle. Look quick before I go to break Patrick, 357 00:18:44.079 --> 00:18:47.680 is this you? Is this our friend Patrick that came 358 00:18:47.720 --> 00:18:51.240 into the show one day and you were having I 359 00:18:51.240 --> 00:18:52.839 don't want you to do anything right now, we're going 360 00:18:52.920 --> 00:18:54.839 to come back to you. But you were having a 361 00:18:54.880 --> 00:18:57.599 failure or a tough time launching. You were living with 362 00:18:57.640 --> 00:19:00.319 a buddy at the time, Mark, and I said, you 363 00:19:00.359 --> 00:19:02.039 know what we want to be. We want you to 364 00:19:02.039 --> 00:19:03.920 be our project. We want you to call us at 365 00:19:03.920 --> 00:19:07.079 any time before you go left or before you go right, 366 00:19:07.319 --> 00:19:09.680 when you have to make a decision. We want to 367 00:19:09.720 --> 00:19:12.240 help you and we'll answer any question at any time. 368 00:19:12.319 --> 00:19:12.559 Now. 369 00:19:12.839 --> 00:19:15.160 You took us up on it part of the time, 370 00:19:15.240 --> 00:19:18.480 but most of the time you were navigating through. But 371 00:19:18.599 --> 00:19:21.440 we were watching each and every step, giving you advice. 372 00:19:22.000 --> 00:19:25.559 And the theory I had was, if people know someone 373 00:19:25.640 --> 00:19:29.799 is watching, if people know someone's keeping track, if people 374 00:19:29.839 --> 00:19:33.480 know someone cares, maybe they'll stay on course. So we'll 375 00:19:33.480 --> 00:19:36.759 come back to Patrick. He'd had some rough spots in 376 00:19:36.799 --> 00:19:40.519 the road and some weird he took some made some 377 00:19:40.640 --> 00:19:43.319 decisions we wouldn't have agreed with at the time, but 378 00:19:43.440 --> 00:19:45.319 I'd like to see where he's going right now, so 379 00:19:45.480 --> 00:19:48.160 our failure to launch project coming up as well. Right 380 00:19:48.200 --> 00:19:55.759 after this, go with a sure thing Denver's Best roofer 381 00:19:55.880 --> 00:19:58.799 Excel Roofing dot com. You don't pay a cent until 382 00:19:58.839 --> 00:20:04.720 you're content. Time for an insurance check up free, no 383 00:20:04.799 --> 00:20:09.160 obligation comparison call Compass Insurance paying too much your coverage 384 00:20:09.160 --> 00:20:12.039 at dozens of insurance companies find out now three oh three, 385 00:20:12.240 --> 00:20:14.359 seven to seven to one. Help. You'll think you're his 386 00:20:14.519 --> 00:20:17.160 only customer when you choose Frank durand the real estate 387 00:20:17.200 --> 00:20:20.440 Man dot com to list your home with Remax Alliance 388 00:20:20.680 --> 00:20:27.400 three oh three nine two zero sixteen twenty two. Hey 389 00:20:27.400 --> 00:20:30.240 Tom Martino here three three seven one three talks seven 390 00:20:30.279 --> 00:20:34.519 one three eight two five five. So Deputy D is 391 00:20:34.640 --> 00:20:37.279 getting on the phone with that place to see why 392 00:20:37.319 --> 00:20:40.440 the rearmain seal, Now I understand I was a mistaken 393 00:20:40.519 --> 00:20:43.279 The gasket between the tranny and the engine as the 394 00:20:43.319 --> 00:20:46.319 rearmain seal. The rearman seal is around the drive shaft 395 00:20:46.640 --> 00:20:50.000 going and it is somewhat inside that first part of 396 00:20:50.000 --> 00:20:53.200 the engine. Mark, did you ever did you always consider 397 00:20:53.240 --> 00:20:55.279 the rearmain seal part of the engine or not or 398 00:20:55.319 --> 00:20:56.279 as does it depend? 399 00:20:57.359 --> 00:21:00.799 I think it depends, but honestly, I I'm not sure. 400 00:21:00.880 --> 00:21:01.119 Man. 401 00:21:02.680 --> 00:21:04.759 Yeah, this is that's why I want to get Kevin 402 00:21:04.799 --> 00:21:07.319 on to talk about it. And we're gonna make some 403 00:21:07.359 --> 00:21:13.160 other phone calls. So Jimmy, your your vehicle was stolen, 404 00:21:13.799 --> 00:21:17.559 your your two thousands GMC, continue with your story. 405 00:21:19.880 --> 00:21:25.079 Yeah, it got stolen on the eighteenth of February. So 406 00:21:25.680 --> 00:21:28.920 I made acclaim with police the same day, and you know, 407 00:21:29.039 --> 00:21:34.319 got to police report. I waited probably three weeks before 408 00:21:34.359 --> 00:21:37.079 I ever was able to talk to the adjusture. They 409 00:21:37.079 --> 00:21:41.720 would not respond back to me, and so. 410 00:21:41.799 --> 00:21:44.680 And during hold on, during that three weeks, during that 411 00:21:44.759 --> 00:21:46.519 three weeks, did you have a rental car? 412 00:21:48.359 --> 00:21:48.559 No? 413 00:21:48.680 --> 00:21:51.160 I did not. I didn't have rental on my insurance. 414 00:21:53.119 --> 00:21:59.000 So so what did the general respond in three weeks? Nothing? 415 00:21:59.759 --> 00:22:01.440 Nothing, and not even a phone call. 416 00:22:03.000 --> 00:22:05.759 Wait a minute, you said it took three weeks, Well, 417 00:22:05.799 --> 00:22:07.119 it took three weeks for what. 418 00:22:08.920 --> 00:22:12.400 For for me to actually talk to the gesture. 419 00:22:13.640 --> 00:22:17.400 That's what I mean. And what did they say. 420 00:22:17.160 --> 00:22:22.599 They said that they basically had still another five days 421 00:22:22.680 --> 00:22:26.400 that it takes they had thirty days by law to 422 00:22:26.559 --> 00:22:31.559 respond to these things. And so when I last spoke 423 00:22:31.640 --> 00:22:35.279 with her. I spoke with her like three four days later, 424 00:22:35.640 --> 00:22:38.599 which was getting close to the time period of it 425 00:22:39.680 --> 00:22:42.960 being settled, and she said that she transferred the case 426 00:22:43.000 --> 00:22:47.000 to another adjuster. I got a hold of him and 427 00:22:47.480 --> 00:22:50.960 very briefly, he said, I'll call you when I have time. 428 00:22:51.119 --> 00:22:52.519 I'm very busy person. 429 00:22:52.839 --> 00:22:58.079 Let me ask you this, Jimmy, Jimmy, Jimmy, when the adjuster, 430 00:22:59.000 --> 00:23:01.839 when the adjuster came contacted you after that three weeks, 431 00:23:02.279 --> 00:23:03.920 did she inspect the car? 432 00:23:05.799 --> 00:23:08.200 No, nobody never inspected it. 433 00:23:08.200 --> 00:23:12.599 It was stolen nothing, so so, oh, that's right, it's 434 00:23:12.640 --> 00:23:13.119 not a wreck. 435 00:23:13.200 --> 00:23:13.680 That's right. 436 00:23:14.000 --> 00:23:17.039 So she contacts you in three weeks and says this 437 00:23:17.079 --> 00:23:20.519 could take some time. And then after that you contact 438 00:23:20.559 --> 00:23:22.319 them again and they say and she says, oh, I 439 00:23:22.400 --> 00:23:23.400 transferred the file. 440 00:23:25.079 --> 00:23:29.200 You're right exactly. So I called the other adjuster, the 441 00:23:29.240 --> 00:23:31.920 one that had the file, and he told me that 442 00:23:32.000 --> 00:23:34.240 he was a busy guy and that he had a 443 00:23:34.319 --> 00:23:37.119 lot of people in front of me and they would 444 00:23:37.160 --> 00:23:40.880 respond as soon as they could. Well, it's been since 445 00:23:40.920 --> 00:23:43.680 the eighteenth of February since they stole it, and I 446 00:23:43.759 --> 00:23:45.039 still haven't had anywhere you know. 447 00:23:45.079 --> 00:23:48.079 What march Okay, now, Jimmy, I'm going to give you 448 00:23:48.119 --> 00:23:53.759 my honesty god response. My response is it doesn't sound 449 00:23:54.359 --> 00:23:59.480 unreasonable right now from February eighteenth to March eighteenth. I 450 00:23:59.519 --> 00:24:06.680 mean really, it's only been a month. Yeah, here's here's 451 00:24:06.720 --> 00:24:08.759 what I want to do, though, I want to get 452 00:24:08.799 --> 00:24:12.200 our insurance expert on to weigh in on this. So, 453 00:24:13.000 --> 00:24:16.160 Kat China, if you could get Brian burns On from 454 00:24:16.240 --> 00:24:19.720 Compass Insurance Group, do that for me. I would like 455 00:24:19.759 --> 00:24:24.200 to get his perspective on that. All right, years ago, 456 00:24:24.359 --> 00:24:27.440 we had Patrick call the show. Yes, so go ahead, 457 00:24:27.480 --> 00:24:28.400 ask her one more question. 458 00:24:28.480 --> 00:24:30.680 Go ahead. You waited a while. Go ahead, sir, go ahead. 459 00:24:30.720 --> 00:24:35.720 Jimmy was I'm disabled. I cannot walk, so I can't 460 00:24:35.759 --> 00:24:38.839 even go to the store. Ranked I mean, Tom, I 461 00:24:38.880 --> 00:24:39.880 can't even go to the. 462 00:24:41.759 --> 00:24:45.319 By Jimmy, Jimmy, I get it. So what you're saying is, 463 00:24:46.079 --> 00:24:49.319 but but see, you don't have coverage for replacement rides 464 00:24:49.400 --> 00:24:54.000 or vehicles. Now that's unfortunate. It is unfortunate. You're disabled, 465 00:24:54.119 --> 00:24:58.559 so you depend on that car for everything, right, basically, 466 00:24:59.440 --> 00:25:02.920 so have Jimmy. I want to ask you something seriously, 467 00:25:04.119 --> 00:25:09.039 King Soupers delivers for little or nothing. It doesn't go. 468 00:25:09.200 --> 00:25:11.319 I mean, have you ever gone online and done that 469 00:25:11.640 --> 00:25:15.680 delivery from King Supers? They're excellent? I'm serious, Yeah, I 470 00:25:16.720 --> 00:25:19.359 never have you ought to try it though, just for 471 00:25:19.400 --> 00:25:21.839 a I'm serious and I'm not telling you, you know, 472 00:25:22.039 --> 00:25:24.920 just you should just wait forever. But what I'm saying 473 00:25:24.960 --> 00:25:27.400 is there are ways to make your life a little easier. 474 00:25:27.559 --> 00:25:30.119 What's the nature since you mentioned it, Jimmy, what's the 475 00:25:30.200 --> 00:25:33.720 nature of your disability? 476 00:25:34.119 --> 00:25:37.039 I had a broken neck and brain surgery. 477 00:25:37.319 --> 00:25:42.559 Oh, oh my goodness, gracious god, brain surgery. 478 00:25:42.640 --> 00:25:43.400 How are you doing. 479 00:25:45.720 --> 00:25:49.440 I'm I'm up and walking. I can walk around my house. 480 00:25:49.480 --> 00:25:51.559 How old are you, Jimmy, Jimmy, how. 481 00:25:51.480 --> 00:25:52.480 Old are you? 482 00:25:54.000 --> 00:25:56.240 I'll be sixty five here in a few months. 483 00:25:57.839 --> 00:26:00.319 You sound pretty damn good to me, Jimmy. But hey, 484 00:26:00.599 --> 00:26:06.039 I'm not looking at you. It might be ugly as hell. Yeah, man, Jimmy, listen. 485 00:26:07.640 --> 00:26:12.680 Oh have you been on disability all this time? Yes? 486 00:26:12.720 --> 00:26:12.960 I have. 487 00:26:15.079 --> 00:26:16.440 Can you do any work at all? 488 00:26:16.559 --> 00:26:19.240 Jimmy, No, I can't. 489 00:26:21.079 --> 00:26:26.079 Was it an accident that happened, jim. 490 00:26:24.960 --> 00:26:28.079 Yes, it was an accident at work, and then I 491 00:26:28.680 --> 00:26:32.079 got messed up from the contractor. He told me I 492 00:26:32.079 --> 00:26:35.359 had insurance with his company and turned out and nobody 493 00:26:35.440 --> 00:26:37.400 had insurance. I didn't receive anything. 494 00:26:37.440 --> 00:26:40.359 All right, all right, Jimmy man, I'm sorry for you. 495 00:26:40.359 --> 00:26:42.279 You hang on though, and we're going to get an 496 00:26:42.319 --> 00:26:46.759 answer from our Compass insurance expert, and then we have 497 00:26:46.839 --> 00:26:48.480 more coming up on the trouble. Well, let me just 498 00:26:48.480 --> 00:26:49.880 go to this real quick because I do have a 499 00:26:49.920 --> 00:27:00.960 minute here, am I. I'm not over for thirty am I? Shannon? Shannon? Okay, Randy, Randy, No, No, 500 00:27:01.000 --> 00:27:03.880 it was Patrick failure to launch. I want to hear 501 00:27:03.920 --> 00:27:05.640 from Patrick. Patrick. 502 00:27:07.440 --> 00:27:08.960 You got married during the way. 503 00:27:09.000 --> 00:27:12.799 It wasn't that part of your journey? 504 00:27:12.960 --> 00:27:13.200 Yes? 505 00:27:13.240 --> 00:27:13.599 It was. 506 00:27:15.359 --> 00:27:16.400 Are you still married? 507 00:27:16.480 --> 00:27:16.880 Patrick? 508 00:27:18.240 --> 00:27:21.119 Now we are going through what I would classify as 509 00:27:21.160 --> 00:27:22.039 a messy divorce. 510 00:27:23.960 --> 00:27:25.519 Do you have a child? 511 00:27:26.640 --> 00:27:29.119 Two of them? 512 00:27:29.319 --> 00:27:33.039 See Patrick? When you came to us, you were a mess, 513 00:27:33.519 --> 00:27:35.559 Then you got out of being a mess, Then you 514 00:27:35.599 --> 00:27:37.799 went back to being a mess. Then you get out 515 00:27:37.799 --> 00:27:41.200 of being a mess. Have you noticed, seriously, now I'm serious, 516 00:27:41.440 --> 00:27:43.640 have you noticed the cycle in your life where you 517 00:27:43.680 --> 00:27:46.400 get serious and everything gets better and then you fall 518 00:27:46.440 --> 00:27:49.680 off the wagon and everything gets worse. Have you noticed it? 519 00:27:51.000 --> 00:27:51.440 I have? 520 00:27:51.559 --> 00:27:51.839 Yes? 521 00:27:53.480 --> 00:27:56.680 Well, let me ask you something. What is it when 522 00:27:56.720 --> 00:28:00.279 everything's going well? That then makes you go back down hill? 523 00:28:00.319 --> 00:28:02.240 What is it? If you could put a finger, I mean, 524 00:28:02.279 --> 00:28:04.000 if you what's the first thing that came to your 525 00:28:04.000 --> 00:28:04.960 mind when he asked you that? 526 00:28:09.000 --> 00:28:10.400 I wish I could give you an answer. 527 00:28:12.559 --> 00:28:15.160 Well, Patrick, you have two little ones you brought into 528 00:28:15.200 --> 00:28:18.799 this mess now, and those two little ones are everything. 529 00:28:19.400 --> 00:28:20.160 How old are they? 530 00:28:21.799 --> 00:28:22.000 So? 531 00:28:22.079 --> 00:28:24.319 My oldest is two and my youngest is one? 532 00:28:26.519 --> 00:28:29.119 Oh my god. And so you guys are going through 533 00:28:29.160 --> 00:28:30.759 a divorce? Can I ask what happened? 534 00:28:33.880 --> 00:28:37.440 We had some things happen just about a year ago 535 00:28:38.039 --> 00:28:40.160 next month and we separated. 536 00:28:40.240 --> 00:28:42.119 What are some things? What does that mean? What does 537 00:28:42.160 --> 00:28:44.039 that mean? You had some things happened Patrick? 538 00:28:45.640 --> 00:28:45.960 Verbal? 539 00:28:46.079 --> 00:28:49.359 Argument, verbal? 540 00:28:49.960 --> 00:28:50.400 Okay? 541 00:28:50.559 --> 00:28:52.559 And you never laid a hand on her. 542 00:28:52.480 --> 00:28:54.000 Did you? 543 00:28:54.039 --> 00:28:58.480 No? Okay? Did she ever accuse you of doing that? 544 00:29:00.200 --> 00:29:00.480 Yeah? 545 00:29:00.519 --> 00:29:03.640 She has and there was nothing, no proof of it. 546 00:29:03.640 --> 00:29:05.839 It's actually her brother's actually end of playing. 547 00:29:05.599 --> 00:29:06.119 Hands on me. 548 00:29:08.720 --> 00:29:09.400 Oh my god? 549 00:29:09.480 --> 00:29:12.599 So where where does this stand today? You're in a divorce? 550 00:29:12.799 --> 00:29:15.039 Did someone actually file for divorce? 551 00:29:16.319 --> 00:29:16.559 Yes? 552 00:29:16.680 --> 00:29:17.519 I did? 553 00:29:19.039 --> 00:29:20.480 And when did you file? 554 00:29:22.400 --> 00:29:24.319 I filed end of May of last year. 555 00:29:26.160 --> 00:29:28.519 And where why aren't you divorced yet? 556 00:29:30.079 --> 00:29:34.079 We are currently waiting for the CPS case out here 557 00:29:34.079 --> 00:29:37.440 in Ohio to be wrapped up. That is against my mind. 558 00:29:37.240 --> 00:29:39.319 What, Kate, Well, tell me what that what is that 559 00:29:39.480 --> 00:29:40.319 case in Ohio? 560 00:29:42.319 --> 00:29:44.400 Because that's that's currently where we live, is out here 561 00:29:44.400 --> 00:29:50.039 in Ohio. There is because she had driven my vehicle 562 00:29:50.119 --> 00:29:52.960 into a field with both the kids in the car. 563 00:29:55.519 --> 00:29:57.680 It told me it was because she was frustrated that 564 00:29:57.680 --> 00:29:59.880 they wouldn't go down for a nap and was driving 565 00:29:59.920 --> 00:30:03.160 to if that wasn't paying attention, that's what's started the 566 00:30:03.200 --> 00:30:04.799 whole CPS case. 567 00:30:04.839 --> 00:30:08.319 And then well, wait, was she in an accident? Was 568 00:30:08.359 --> 00:30:12.079 she in the accident with two little babies in the car? Yes? 569 00:30:14.079 --> 00:30:15.599 Were they hurt? 570 00:30:16.240 --> 00:30:22.160 No one was hurt, thankfully. 571 00:30:20.359 --> 00:30:27.240 And they charged with the tendency and neglect. Right now, well, 572 00:30:27.279 --> 00:30:29.599 what is she going to court for? What is the case? 573 00:30:30.039 --> 00:30:33.319 Is the case against her or you her? 574 00:30:33.880 --> 00:30:37.480 And there's been over the past month, there's been four 575 00:30:37.559 --> 00:30:42.039 more reports to CPS in the county in which I live, 576 00:30:42.920 --> 00:30:45.039 possible abuse against my kids. 577 00:30:46.759 --> 00:30:49.839 Now, who's taking care of the kids? Your your your 578 00:30:49.920 --> 00:30:53.599 ex is there with the children? Are her parents helping out? 579 00:30:53.720 --> 00:30:56.319 Or who lives near you? Do you have friends? What 580 00:30:56.480 --> 00:30:57.400 is her situation? 581 00:30:58.960 --> 00:31:01.720 She's been flipped back and forth between her mom and 582 00:31:01.759 --> 00:31:05.039 her boyfriend. I only get to see them as of 583 00:31:05.119 --> 00:31:08.759 right now every other weekend from Friday night to Sunday evening. 584 00:31:10.559 --> 00:31:13.319 And you filed for divorce in twenty twenty four? Is 585 00:31:13.359 --> 00:31:13.920 that correct? 586 00:31:14.920 --> 00:31:15.599 That is correct? 587 00:31:17.119 --> 00:31:18.920 In May? 588 00:31:19.000 --> 00:31:19.319 Yes? 589 00:31:21.799 --> 00:31:24.680 Okay, listen, hold on a second. I want to hear 590 00:31:25.240 --> 00:31:28.200 more about these babies and what's going on. And Patrick, 591 00:31:28.400 --> 00:31:31.240 I'm going to give you some straightforward advice. And is 592 00:31:31.279 --> 00:31:33.759 the divorce going to be here? Is the divorce here 593 00:31:33.880 --> 00:31:37.240 or in here in Colorado or in Ohio where you live? 594 00:31:40.039 --> 00:31:41.839 All right, never mind, I'll come back to him. I'm 595 00:31:41.839 --> 00:31:46.000 Tom Martine. Listen, we hear about everything in this in 596 00:31:46.039 --> 00:31:51.480 this show. I'm serious. It's life CMG Financial. Speaking of life, 597 00:31:51.519 --> 00:31:54.519 they're doing mortgages. Yeah, they're doing a great job. Rates 598 00:31:54.519 --> 00:31:57.559 are down a little, and then they do reverse loans. 599 00:31:58.160 --> 00:32:00.559 They also do the all in one loan, which is 600 00:32:00.599 --> 00:32:03.960 a thirty year line of credit three oh three eight 601 00:32:04.039 --> 00:32:08.160 eight two, six, six, seven nine. Ask for John partner 602 00:32:08.240 --> 00:32:14.400 in lending dot com. Go with a sure thing Denver's 603 00:32:14.440 --> 00:32:17.319 best roofer Excel roofing dot com. You don't pay a 604 00:32:17.400 --> 00:32:23.880 cent until you're content. Time for an insurance check up free, 605 00:32:23.960 --> 00:32:28.039 no obligation comparison call Compass Insurance paying too much your 606 00:32:28.039 --> 00:32:31.039 coverage at dozens of insurance companies find out now three 607 00:32:31.039 --> 00:32:33.559 oh three seven seven to one help. You'll think you're 608 00:32:33.599 --> 00:32:36.119 his only customer when you choose Frank durand the real 609 00:32:36.200 --> 00:32:39.200 estate Man dot com to list your home with Remax 610 00:32:39.240 --> 00:32:42.319 Alliance three oh three nine two zero sixteen twenty two. 611 00:32:45.920 --> 00:32:48.640 Hey Tom Martino here three oh three seven one three 612 00:32:48.720 --> 00:32:54.720 talk seven one three eight two five five. So we're 613 00:32:54.759 --> 00:32:56.799 talking to someone that we have been in touch with 614 00:32:56.920 --> 00:32:57.640 over the years. 615 00:32:58.119 --> 00:33:00.880 With his life, we call him our failure. 616 00:33:00.559 --> 00:33:04.359 To Launch project. He's had his ups and downs, and 617 00:33:04.400 --> 00:33:07.759 I think Patrick, all of your downs have come as 618 00:33:07.799 --> 00:33:14.920 a result of impulsive decision making. You know that, right, yes, yes, 619 00:33:15.279 --> 00:33:17.799 and I know you know it. And what frustrates me 620 00:33:17.920 --> 00:33:24.680 is you're smarter than your life indicates. I don't know why. 621 00:33:24.880 --> 00:33:29.000 I don't know why. It seems like you have the brains, 622 00:33:29.680 --> 00:33:31.880 you really do. You have everything it takes to be 623 00:33:31.920 --> 00:33:38.480 a success, but you don't have the programming and you 624 00:33:38.599 --> 00:33:42.000 keep going back to this loser mode. I want to 625 00:33:42.039 --> 00:33:44.559 know where you learn that? Where did you learn to 626 00:33:44.680 --> 00:33:50.799 make stupid decisions and then forge headway into it, fail, 627 00:33:51.880 --> 00:33:55.680 get way better, improve yourself, and then fail again. 628 00:33:57.519 --> 00:33:59.160 When do you first remember the cycle? 629 00:34:02.119 --> 00:34:05.400 Probably right after high school, just not being able to 630 00:34:05.440 --> 00:34:07.480 fall through with the movements that I had need to myself, 631 00:34:07.519 --> 00:34:12.920 and then bouncing around and just couldn't follow through with them. 632 00:34:13.480 --> 00:34:16.159 But when you did, you're successful. I mean, you have 633 00:34:16.280 --> 00:34:20.280 had times even these past few years, where you started 634 00:34:20.280 --> 00:34:24.079 doing some pretty good stuff, but then it stops. Do 635 00:34:24.199 --> 00:34:25.519 you get bored? Patrick? 636 00:34:26.360 --> 00:34:28.840 Do you get bored when things are just going well? 637 00:34:28.960 --> 00:34:32.400 Be honest, I do have a problem with that, But 638 00:34:32.440 --> 00:34:36.760 I've actually taken some stuff, actually practify things. I actually 639 00:34:36.840 --> 00:34:40.360 am more focused on doing what my kid needs right now. 640 00:34:41.079 --> 00:34:42.920 All right, hold on and we're going to talk about 641 00:34:42.960 --> 00:34:46.239 that coming up and more. Go with a sure thing 642 00:34:46.360 --> 00:34:49.679 Denver's Best roofer Excel Roofing dot com. You don't pay 643 00:34:49.679 --> 00:34:55.760 a cent until you're content. Time for an insurance check 644 00:34:55.880 --> 00:34:59.679 up free, no obligation. In comparison, call Compass Insurance paying 645 00:34:59.719 --> 00:35:02.800 to my your coverage at dozens of insurance companies. Find 646 00:35:02.800 --> 00:35:05.159 out now three O three, seven to seven to one help. 647 00:35:05.320 --> 00:35:07.960 You'll think you're his only customer When you choose Frank 648 00:35:08.039 --> 00:35:10.480 durand the real estate man dot Com to list your 649 00:35:10.519 --> 00:35:13.639 home with Remax Alliance three oh three nine two zero 650 00:35:13.760 --> 00:35:14.760 sixteen twenty two. 651 00:35:15.639 --> 00:35:25.599 Yeah, d news needed, that's who you don't have. 652 00:35:27.840 --> 00:35:30.239 Come running as fast as we can. 653 00:35:31.519 --> 00:35:35.880 Shooter's gonna help. Come, man, this is. 654 00:35:35.840 --> 00:35:37.199 The Troubleshooter Show. 655 00:35:37.800 --> 00:35:43.079 Now, Tom Martine, Hey, Tom Martino here, Welcome to the show. 656 00:35:43.159 --> 00:35:45.880 I am here solving problems with the help of course 657 00:35:45.960 --> 00:35:49.559 all of our people. We solve problems, answer questions, take complaints, 658 00:35:49.559 --> 00:35:50.599 make your life a little easier. 659 00:35:50.639 --> 00:35:54.239 We got major market major off on a remote location 660 00:35:54.360 --> 00:35:56.440 as well as I am. We are doing our shows 661 00:35:56.440 --> 00:35:59.480 from our respective studios. And then we have Deputy d 662 00:35:59.599 --> 00:36:01.000 here in the house with me, and we have a 663 00:36:01.599 --> 00:36:05.039 deputy doc back at the ranch, at the main ranch 664 00:36:05.159 --> 00:36:08.920 with Kachina and her mimosas. And that sounds like a 665 00:36:08.960 --> 00:36:11.519 singing group Katschina and the Mimosas. 666 00:36:12.079 --> 00:36:14.159 My god, we could. 667 00:36:13.559 --> 00:36:18.719 Make a hit starring Kachina, Glory and her mimosas. 668 00:36:19.599 --> 00:36:22.119 Okay, no one can copy that. We're gonna do it. 669 00:36:22.199 --> 00:36:23.800 Kachina and I are going to do it, and we're 670 00:36:23.800 --> 00:36:25.280 going to bank. Now. 671 00:36:26.199 --> 00:36:30.239 Then we have Shannon, of course, he's you know, people 672 00:36:30.239 --> 00:36:31.679 think Shannon leaves the place. 673 00:36:31.719 --> 00:36:32.199 He doesn't. 674 00:36:32.599 --> 00:36:34.360 They just unplug him and put him in the corner. 675 00:36:34.639 --> 00:36:36.320 Then when we need him again, we plug him in. 676 00:36:37.079 --> 00:36:38.440 So let's go to the phones. 677 00:36:38.599 --> 00:36:42.360 And this issue, by the way, is frustrating with the 678 00:36:42.400 --> 00:36:47.440 stolen vehicle, no doubt. And Jimmy, we're getting our insurance. 679 00:36:47.639 --> 00:36:50.920 Is Brian available yet, Katchina, I want to get an 680 00:36:50.960 --> 00:36:53.079 answer for jim Brian. 681 00:36:53.719 --> 00:36:56.000 Hey, Tom, I'm on with Compass right now for a 682 00:36:56.039 --> 00:36:59.119 personal reason. But Brian's out of the country. 683 00:36:59.199 --> 00:37:05.840 Man, dang it. Okay, we'll get Matt. I don't think 684 00:37:05.960 --> 00:37:09.679 Matt comes in an error anymore. Yes he can, I 685 00:37:09.679 --> 00:37:12.639 mean he'll He'll do it, Matt. So asked Matt to 686 00:37:12.679 --> 00:37:15.599 come on, or let's call someone else. I really do 687 00:37:15.679 --> 00:37:18.480 want to get a feel for the timeline lately with 688 00:37:18.599 --> 00:37:23.599 these claims. If we can, so let's try that. Three 689 00:37:23.639 --> 00:37:26.159 h three thanks and uh three O three seven one 690 00:37:26.159 --> 00:37:30.760 three eight two five five. Now meanwhile, we're talking to Patrick. 691 00:37:31.559 --> 00:37:35.760 And Patrick is who we call our failure to launch project, 692 00:37:36.159 --> 00:37:39.440 and basically since he graduated high school, we've been following him. 693 00:37:39.719 --> 00:37:41.880 Oh wait, we do have Brian Burns. 694 00:37:42.280 --> 00:37:44.760 So Patrick came out rather than I'm gonna go to 695 00:37:44.760 --> 00:37:46.960 Brian right now because he's out of the country, I guess, 696 00:37:47.000 --> 00:37:54.480 and we got to catch it when we can. Brian. Hey, Tom, Hey, Brian, 697 00:37:54.599 --> 00:37:57.159 I'm sorry to bother you on your I think you're 698 00:37:57.280 --> 00:37:58.440 vacationing or something. 699 00:38:00.119 --> 00:38:00.320 Yeah. 700 00:38:00.360 --> 00:38:01.159 No, we have a guy. 701 00:38:02.199 --> 00:38:06.559 We have a guy that had a car accident February eighteenth. 702 00:38:06.639 --> 00:38:11.440 He has the general. He's upset that in a excuse me, 703 00:38:11.480 --> 00:38:14.599 he didn't have an accident, the car was stolen. I'm sorry, Okay, 704 00:38:14.840 --> 00:38:20.519 the eighteenth. He hasn't heard anything for three weeks. Then 705 00:38:20.519 --> 00:38:22.079 he hears something and they say it's going to be 706 00:38:22.079 --> 00:38:25.440 a few more weeks. Then he calls the guy was 707 00:38:25.480 --> 00:38:28.800 transferred to, and that guy says, I'm busy. I'll get 708 00:38:28.840 --> 00:38:31.880 to it when I get to it. Basically, he wants 709 00:38:31.920 --> 00:38:35.719 to know if it's unreasonable that he really has not 710 00:38:35.800 --> 00:38:40.440 gotten an offer since February eighteenth, the date of the theft. 711 00:38:43.119 --> 00:38:46.239 That's that's I don't think here. I'll say it two 712 00:38:46.239 --> 00:38:49.280 different ways. It seems on recent hole from just normal terms, 713 00:38:49.400 --> 00:38:52.079 I don't think that he would have a case as 714 00:38:52.119 --> 00:38:56.559 far as it being unreasonable in the policy definition, because 715 00:38:56.960 --> 00:39:01.320 there's not a time frame that's listed the General, as 716 00:39:01.360 --> 00:39:04.440 you know, we in my opinion, is about as bad 717 00:39:04.480 --> 00:39:08.079 as you get, and so I think you almost are 718 00:39:08.239 --> 00:39:12.639 assured to have to wait when you're dealing with them. 719 00:39:13.079 --> 00:39:17.559 Now, is there any law that if you're going to 720 00:39:17.599 --> 00:39:19.960 write insurance you have to respond with it this many 721 00:39:20.039 --> 00:39:22.639 days or that does it put any kind of onus 722 00:39:23.559 --> 00:39:25.679 on the insurance company? 723 00:39:26.599 --> 00:39:29.440 The term in the policy, if you used to read it, 724 00:39:29.480 --> 00:39:34.000 will probably say reasonable, So as you can imagine, that's 725 00:39:34.119 --> 00:39:37.840 not that's hard to define. I think if you want 726 00:39:37.880 --> 00:39:41.480 to take it to you know, the insurance commissioner, I 727 00:39:41.519 --> 00:39:44.039 think it would need to be longer than three weeks 728 00:39:44.119 --> 00:39:48.400 or a month. I think I think reasonable. It's probably 729 00:39:48.400 --> 00:39:50.400 not defined by that period of time. 730 00:39:52.239 --> 00:39:54.880 What is involved in a stolen car claim? 731 00:39:55.760 --> 00:39:57.199 For what will come next? 732 00:39:57.800 --> 00:40:00.599 The car was stolen, it was reported, there's a place report. 733 00:40:00.920 --> 00:40:04.199 Jimmy contacts and puts an acclaim with the general. The 734 00:40:04.320 --> 00:40:06.239 General says, we'll get to it. When we get to it. 735 00:40:06.280 --> 00:40:08.559 What happens next? When they say they'll get to it, 736 00:40:08.599 --> 00:40:09.280 what will happen? 737 00:40:10.719 --> 00:40:13.840 Well, so they're probably hoping to see if it gets 738 00:40:13.880 --> 00:40:16.679 found or you know, if the police find it, so 739 00:40:16.760 --> 00:40:19.079 that they don't pay out on it already and then 740 00:40:19.199 --> 00:40:22.800 the cars found after the fact. So I'm guessing they're 741 00:40:22.840 --> 00:40:25.440 trying to kind of let it work itself out. I'm 742 00:40:25.480 --> 00:40:28.000 guessing he doesn't have rental coverage. 743 00:40:28.039 --> 00:40:28.480 Is that right? 744 00:40:31.320 --> 00:40:31.440 Uh? 745 00:40:31.559 --> 00:40:33.199 He has no rental coverage? 746 00:40:34.480 --> 00:40:37.360 Okay, because that would prompt them to want to move 747 00:40:37.400 --> 00:40:39.960 a little bit faster, I would think, because they're having 748 00:40:39.960 --> 00:40:41.719 to pay out rental in this case. 749 00:40:41.880 --> 00:40:45.679 Right, Not, that's the problem. He has nothing. He has nothing, 750 00:40:45.800 --> 00:40:46.960 so they don't care. 751 00:40:49.400 --> 00:40:50.039 I think. 752 00:40:51.719 --> 00:40:52.800 I've been disabled. 753 00:40:55.639 --> 00:40:59.480 I'm being disabled, being dec he wants to know about 754 00:40:59.480 --> 00:41:03.719 being disabled? Being disabled doesn't give you any special privileges ever, 755 00:41:04.320 --> 00:41:09.320 they really, except for parking. I'm serious, Jimmy, it's not 756 00:41:09.480 --> 00:41:13.559 part of it. I understand that you're having a terrible 757 00:41:13.599 --> 00:41:17.239 time because of your disability, but it doesn't put any 758 00:41:17.360 --> 00:41:21.280 kind of special requirement on the insurance company to provide 759 00:41:21.320 --> 00:41:27.320 you transportation. Yeah, okay, Brian. 760 00:41:27.719 --> 00:41:33.599 Really, if he wants to report this to the insurance commissioner, 761 00:41:33.679 --> 00:41:36.159 it's not a difficult process. You can do it online. 762 00:41:36.280 --> 00:41:36.719 No. 763 00:41:36.719 --> 00:41:41.039 No, And I think I think the fact that they said, well, right, 764 00:41:41.440 --> 00:41:43.159 the fact that they said we'll get to it when 765 00:41:43.239 --> 00:41:45.679 we get to it they're kind of just they don't care. 766 00:41:46.159 --> 00:41:49.559 I mean, what really is to let me ask youselm, Brian, 767 00:41:49.880 --> 00:41:51.960 what's to say they can't take six months? 768 00:41:52.159 --> 00:41:56.119 I mean, seriously, yeah, because I think that would go 769 00:41:56.239 --> 00:41:59.440 beyond the reasonable word. And I know that sounds silly 770 00:41:59.440 --> 00:42:02.239 because it's not a defined period of time, but I 771 00:42:02.280 --> 00:42:06.280 think a month is probably reasonable when you're talking about 772 00:42:06.360 --> 00:42:10.920 a total loss. Okay, but I think that if he 773 00:42:11.039 --> 00:42:15.400 reports it to the insurance commission, they will absolutely contact 774 00:42:16.039 --> 00:42:19.199 the General, So it very well might speed up the process. 775 00:42:19.239 --> 00:42:21.320 It's kind of like the you know, the squeaky wheel 776 00:42:21.400 --> 00:42:21.920 kind of a thing. 777 00:42:22.079 --> 00:42:25.679 So so, Brian, do they really, Brian, they really do 778 00:42:25.840 --> 00:42:29.800 listen to complaints. And you believe they really would contact 779 00:42:29.800 --> 00:42:30.360 the general. 780 00:42:32.159 --> 00:42:34.880 Oh yeah, the insurance commissioner will. It might not be 781 00:42:34.920 --> 00:42:38.119 in the timeframe you want, but they will respond. They 782 00:42:38.159 --> 00:42:40.320 will reach out to the general. 783 00:42:41.840 --> 00:42:45.880 All right, Jimmy, please do that and then do me 784 00:42:45.920 --> 00:42:46.440 a favor. 785 00:42:46.920 --> 00:42:48.440 Call us back in two weeks. 786 00:42:48.920 --> 00:42:51.760 I would love to hear in two weeks and we 787 00:42:51.840 --> 00:42:54.280 will turn up the heat a little, but let's first 788 00:42:54.280 --> 00:42:56.320 give him two more weeks. And I know that sounds 789 00:42:56.480 --> 00:42:59.519 that's the life to you, because I mean, that's that's 790 00:42:59.519 --> 00:43:02.880 a lot for you because every day you're without a car. Now, 791 00:43:03.000 --> 00:43:07.440 with your disabilities, almost everything can be delivered, honest to God, Jimmy, 792 00:43:07.800 --> 00:43:11.360 almost anything, and the delivery charges are not that much. 793 00:43:11.400 --> 00:43:13.760 In fact, I'll bet you with that GMC you have 794 00:43:14.519 --> 00:43:16.840 that the delivery charge will be about what you would 795 00:43:16.840 --> 00:43:20.639 pay in gas. So try to avail yourself of that 796 00:43:20.760 --> 00:43:24.079 kind of stuff. Back to the failure to launch. Gentlemen 797 00:43:24.679 --> 00:43:28.639 that we've been on and off in touch with since 798 00:43:28.639 --> 00:43:32.119 he graduated high school. Now he's going through a nasty divorce. 799 00:43:32.719 --> 00:43:37.199 Let me ask you something, Patrick, why are you getting divorced? Well, 800 00:43:37.199 --> 00:43:39.639 I mean what happened? You guys were. 801 00:43:39.519 --> 00:43:40.400 So much in love. 802 00:43:42.280 --> 00:43:44.559 So I found out she had cheated on me and 803 00:43:44.599 --> 00:43:49.400 then just oh and then she had She's a very 804 00:43:51.760 --> 00:43:53.199 mentally abusive person. 805 00:43:55.679 --> 00:43:57.480 What attracted you to this woman? 806 00:43:59.280 --> 00:44:00.800 She hid the floor very well? 807 00:44:02.480 --> 00:44:02.639 Uh? 808 00:44:02.800 --> 00:44:04.079 And did you hide yours? 809 00:44:05.840 --> 00:44:06.039 Oh? 810 00:44:06.079 --> 00:44:08.159 I was open about mine. She actually would use them 811 00:44:08.199 --> 00:44:11.280 against me once we started look together. 812 00:44:13.079 --> 00:44:14.519 What did you say your flaws were? 813 00:44:14.559 --> 00:44:14.960 Patrick? 814 00:44:16.800 --> 00:44:21.000 That I had problems with instability and making sure that 815 00:44:21.039 --> 00:44:24.719 I was making the right decisions financially and personally. 816 00:44:25.119 --> 00:44:30.519 You're impulsive and then you're impulsive. Impulsive, Yes, but Patrick, 817 00:44:31.440 --> 00:44:35.880 you have nothing, You need nothing to become a success 818 00:44:35.960 --> 00:44:39.039 right now. Everything is in your tool chest already. It's 819 00:44:39.039 --> 00:44:40.559 not like you have to go out and even do it. 820 00:44:40.920 --> 00:44:43.920 What are you doing for work right now? So? 821 00:44:44.079 --> 00:44:46.840 I work for a company where I actually audit car 822 00:44:46.880 --> 00:44:49.199 dealers on what's called a field risk specialist. I do 823 00:44:49.320 --> 00:44:50.400 four plan auditing. 824 00:44:52.360 --> 00:44:54.440 Oh good, that's a good job. 825 00:44:56.800 --> 00:44:57.119 It is. 826 00:44:57.159 --> 00:45:00.320 I've been with them for just under under six months. 827 00:45:00.519 --> 00:45:02.960 I stepped away from truck driving to this job so 828 00:45:03.000 --> 00:45:05.000 I can see my kids more frequently. 829 00:45:06.599 --> 00:45:08.920 But that's a good But it's a good job. And 830 00:45:09.119 --> 00:45:11.960 you're in Ohio and you have to make sure you 831 00:45:12.039 --> 00:45:14.320 get a parenting plan? Are you trying to Is she 832 00:45:14.400 --> 00:45:16.719 trying to take custody away? All custody? 833 00:45:18.280 --> 00:45:22.239 She's trying for that. We had a family investigator that 834 00:45:22.360 --> 00:45:26.599 put a recommended to a suggested parenting plan of splitting 835 00:45:26.639 --> 00:45:29.920 the weeks between me and her. 836 00:45:31.199 --> 00:45:33.519 And right now I think you're doing. So what did 837 00:45:33.559 --> 00:45:36.519 you call about today? Did you call today to get 838 00:45:36.559 --> 00:45:38.679 advice on something or did you just want to give 839 00:45:38.760 --> 00:45:39.400 us an update? 840 00:45:40.519 --> 00:45:41.719 Just giving you guys an update. 841 00:45:43.000 --> 00:45:45.800 Okay, here's what I want to suggest. Now, do you 842 00:45:45.840 --> 00:45:46.559 have an attorney. 843 00:45:46.559 --> 00:45:50.039 First of all, I have a really good attorney worth 844 00:45:50.039 --> 00:45:51.639 the price I'm paying for good. 845 00:45:53.519 --> 00:46:00.159 You're surprised. What did you say he's expensive. 846 00:45:59.760 --> 00:46:04.880 Or I'm paying for him. 847 00:46:05.719 --> 00:46:06.760 Worth the price? Good? 848 00:46:07.000 --> 00:46:10.360 Okay, But here's what I want to tell you. Lose 849 00:46:10.880 --> 00:46:15.159 no matter what. Okay, the courts do not care how 850 00:46:15.239 --> 00:46:18.679 miserable your ex is at all unless it's a direct 851 00:46:18.760 --> 00:46:19.800 danger to the children. 852 00:46:20.039 --> 00:46:21.000 But listen to this. 853 00:46:21.519 --> 00:46:23.800 What you believe is a direct danger to the children 854 00:46:24.199 --> 00:46:27.199 is not always a direct danger to the children. Try 855 00:46:27.239 --> 00:46:31.840 to separate anger from the facts. Please try, Patrick, and 856 00:46:32.039 --> 00:46:35.239 just get through the damn thing and then get you know, 857 00:46:35.639 --> 00:46:38.039 and you know, she'll have to work. She's not gonna 858 00:46:38.039 --> 00:46:39.679 be able to sit on her butt. But she has 859 00:46:39.719 --> 00:46:42.480 two babies, so part of that's going to be taken 860 00:46:42.519 --> 00:46:43.400 into consideration. 861 00:46:43.800 --> 00:46:45.400 You're most likely how long. 862 00:46:45.280 --> 00:46:48.280 Were you married, not even two years. 863 00:46:49.920 --> 00:46:52.519 Yeah, you're gonna have to pay child support for sure, 864 00:46:52.880 --> 00:46:55.239 But I don't know about maintenance. I doubt you'll have 865 00:46:55.320 --> 00:46:58.199 any maintenance at all to pay. They'll tell her to 866 00:46:58.199 --> 00:47:00.199 try to get a job. You'll have to pay for 867 00:47:00.280 --> 00:47:02.880 child support and taking care of the kids while she's working. 868 00:47:03.440 --> 00:47:06.880 But it's a mess. Patrick, and the same kinds of 869 00:47:06.920 --> 00:47:10.280 message you keep getting into. Now you have a good job. 870 00:47:10.679 --> 00:47:13.360 So here's what I tell you to do. Get through 871 00:47:13.920 --> 00:47:17.840 this divorce. Get through it. Don't give away the farm, 872 00:47:17.880 --> 00:47:22.079 but don't fight over stupid things either, and lose the anger. 873 00:47:22.639 --> 00:47:26.039 The courts don't care what you think of each other. 874 00:47:26.119 --> 00:47:31.039 They don't care. So many divorces waste time on trying 875 00:47:31.079 --> 00:47:34.840 to establish how bad a parent or how bad a 876 00:47:34.960 --> 00:47:38.519 husband or wife someone has been, and the courts don't care. 877 00:47:38.760 --> 00:47:41.079 And I know you might think, well, of course, Tom, 878 00:47:41.239 --> 00:47:45.599 but people, I mean that most of the time that 879 00:47:45.760 --> 00:47:49.360 is where time is wasted trying to prove someone as 880 00:47:49.400 --> 00:47:54.880 a bad person. And most of the time it doesn't matter. 881 00:47:55.599 --> 00:48:00.360 It has to be extreme to lose parental rights or 882 00:48:00.800 --> 00:48:05.280 all that. And the idea of abuse. Everyone uses the 883 00:48:05.280 --> 00:48:09.719 word abuse. That's not to say abuse doesn't happen, but 884 00:48:09.840 --> 00:48:14.840 true abuse is rare. I'm Tom Martineau. We have more 885 00:48:14.880 --> 00:48:21.800 coming up. Go with a sure thing Denver's Best roofer 886 00:48:21.920 --> 00:48:24.800 Excel roofing dot com. You don't pay a cent until 887 00:48:24.840 --> 00:48:31.280 you're content. Time for an insurance checkup free, no obligation. 888 00:48:31.320 --> 00:48:35.159 In comparison, call Compass insurance paying too much your coverage 889 00:48:35.159 --> 00:48:37.840 at dozens of insurance companies. Find out now three all 890 00:48:37.880 --> 00:48:40.239 three seven to seven to one. Help. You'll think you're 891 00:48:40.280 --> 00:48:42.800 his only customer when you choose Frank durand the real 892 00:48:42.880 --> 00:48:45.880 estate man dot com to list your home with Remax 893 00:48:45.920 --> 00:48:56.360 Alliance three all three nine two zero sixteen twenty two. 894 00:48:56.960 --> 00:49:01.239 Hi Tom Martino, your troubleshooter. Three oh three seven one 895 00:49:01.320 --> 00:49:06.760 three talk seven one three eight two five five. So Randy, 896 00:49:08.400 --> 00:49:11.920 let's talk about this clinic. What is going on with you? 897 00:49:12.079 --> 00:49:15.320 Randy? And I'm sorry for the wait. What's going on? 898 00:49:16.400 --> 00:49:23.159 No, You're fine. Uh So in August of nineteen I 899 00:49:23.440 --> 00:49:24.719 retired from the military. 900 00:49:25.760 --> 00:49:28.599 And oh what what branch of what branch of military? 901 00:49:29.039 --> 00:49:29.639 What branch? 902 00:49:30.000 --> 00:49:31.199 I was in the army. 903 00:49:32.960 --> 00:49:34.400 And how long were you in the army? 904 00:49:35.719 --> 00:49:36.679 Twenty years? 905 00:49:38.039 --> 00:49:40.719 Wow? Thank you very much for that. Seriously did you 906 00:49:40.800 --> 00:49:44.679 did you like it? What did you do in the army? 907 00:49:45.039 --> 00:49:45.719 What did you do? 908 00:49:45.840 --> 00:49:52.639 I was an MP stryman, rifleman. I deployed eight times. 909 00:49:52.960 --> 00:49:58.280 It definitely allowed me to become something in life like 910 00:49:58.679 --> 00:50:02.800 I was. I was on the road to uh a 911 00:50:02.880 --> 00:50:05.079 bad a bad road when I was growing up. So 912 00:50:06.639 --> 00:50:11.559 I've got a lot of lineage I can track military 913 00:50:11.599 --> 00:50:16.239 service back to the uh Civil War. So just if 914 00:50:16.320 --> 00:50:20.119 it fit perfectly for me, like, I wow, that it does. 915 00:50:20.280 --> 00:50:23.320 It sounds like a perfect fit. So what's going on 916 00:50:23.400 --> 00:50:27.920 since you've been out? How are things going? You know? 917 00:50:28.000 --> 00:50:31.719 I have my ups and downs. It can always be worse, 918 00:50:31.960 --> 00:50:35.480 you know, it can always be better. And what what 919 00:50:35.480 --> 00:50:42.360 what makes when I retired? Yeah, I uh, I needed 920 00:50:42.840 --> 00:50:45.480 some psych help. I was getting psych help in the military, 921 00:50:45.519 --> 00:50:48.880 and then obviously when you transition from active you're retired, 922 00:50:49.000 --> 00:50:50.519 like you lose a lot of that stuff. So I 923 00:50:50.519 --> 00:50:51.960 had to go out in the cion markets. 924 00:50:52.079 --> 00:50:54.320 Yeah, some psychics. 925 00:50:54.320 --> 00:51:00.360 So I went to a clinic and I'd say I 926 00:51:00.360 --> 00:51:02.559 didn't see them more than like six months, like they 927 00:51:02.559 --> 00:51:06.400 were flusy and this I don't know it was. It 928 00:51:06.440 --> 00:51:07.199 was a disaster. 929 00:51:08.360 --> 00:51:11.559 I actually now, hold on, hold on, Randy, Why Randy? 930 00:51:11.639 --> 00:51:14.320 Why was it a disaster? I mean, what do you mean, 931 00:51:14.519 --> 00:51:17.480 like the counseling was a disaster? The doctor, the clinic, 932 00:51:17.519 --> 00:51:18.480 what are you talking about? 933 00:51:19.559 --> 00:51:23.800 The clinic and the psychiatrist. So I have PTSD and CBI. 934 00:51:24.519 --> 00:51:28.159 You know, I've I've got in continence, I've got a 935 00:51:28.199 --> 00:51:32.440 laundry list. I'm not interested in disabled with VA. And 936 00:51:32.960 --> 00:51:34.599 you know, so I've got a lot of baggage that 937 00:51:34.639 --> 00:51:37.760 I carryed along around with me. I may average two 938 00:51:37.760 --> 00:51:44.239 hours of sleep a night. You know. The psychiatrist just 939 00:51:44.519 --> 00:51:47.440 up and left the clinic. They had some sort of 940 00:51:48.599 --> 00:51:50.519 professional disagreement. 941 00:51:50.199 --> 00:51:51.119 And she bounced. 942 00:51:51.159 --> 00:51:54.920 Didn't let anyone know. Then I went six weeks without medication, 943 00:51:55.039 --> 00:51:57.400 which is a huge no no for me. Next thing 944 00:51:57.440 --> 00:52:00.199 I know, I'm suicidal and I'm on the phone with 945 00:52:01.199 --> 00:52:03.480 the Veterans Crisis Line with a gun in my head. 946 00:52:03.599 --> 00:52:06.840 Like it was really really dark, mister tom Right, So 947 00:52:09.400 --> 00:52:16.519 I find another why go into like a residential and 948 00:52:16.679 --> 00:52:21.400 treatment facility and yeah, I get out of that. I 949 00:52:21.440 --> 00:52:24.559 find another clinic, and I have nothing but huge success 950 00:52:24.599 --> 00:52:27.440 with the other clinic. So now we're in like the 951 00:52:27.480 --> 00:52:32.440 COVID era. You know, it's around summer of twenty one 952 00:52:32.639 --> 00:52:36.079 or somewhere in that timeframe, right, And I'm with this 953 00:52:36.239 --> 00:52:41.559 other clinic and I get an email and phone call 954 00:52:42.199 --> 00:52:44.800 from the original clinic saying, hey, you owe is two 955 00:52:44.880 --> 00:52:48.840 hundred dollars. I was like, for what, And they're like, 956 00:52:48.920 --> 00:52:50.039 we didn't bill you in that. 957 00:52:50.119 --> 00:52:54.199 Let me Here's where I'm confused. Randy Hall for one second, 958 00:52:54.719 --> 00:52:58.519 Is this all being taken care of by Veterans Affairs 959 00:52:58.599 --> 00:53:00.320 or you know whatever VA? 960 00:53:01.679 --> 00:53:01.880 Right? 961 00:53:02.000 --> 00:53:05.679 My current clinic, Yes, it's through the VA. The clinic 962 00:53:05.760 --> 00:53:09.039 that I'm calling you about was through tricare. 963 00:53:10.079 --> 00:53:13.000 Through Okay, but why did you go? Why did you 964 00:53:13.039 --> 00:53:16.639 go outside the network? Why did you go outside the network? 965 00:53:18.639 --> 00:53:21.960 So with Tricare, a lot of it has to do 966 00:53:22.000 --> 00:53:24.079 with where I live. I live in Eliicott, and there's 967 00:53:24.119 --> 00:53:26.760 a thirty thirty mile radius rule and all kinds of 968 00:53:26.760 --> 00:53:27.400 stuff like that. 969 00:53:27.559 --> 00:53:32.199 Okay, I gotcha, I gotcha outside, right, So I don't 970 00:53:32.199 --> 00:53:34.480 need to know all this now now that we were here, 971 00:53:34.519 --> 00:53:38.599 hold on, tell me this under normal circumstances. Now, I 972 00:53:38.639 --> 00:53:40.960 know you didn't like the quality of care and you 973 00:53:41.119 --> 00:53:43.599 tried to make your case. They weren't you know, they 974 00:53:43.599 --> 00:53:45.840 were terrible. And I'll get you and I'll believe you. 975 00:53:46.280 --> 00:53:48.119 But Randy, what I want to know is this under 976 00:53:48.239 --> 00:53:55.840 normal circumstances, would you really owe that money? Well? 977 00:53:56.400 --> 00:54:02.320 No, I don't believe them. For I itemized list of 978 00:54:02.559 --> 00:54:06.480 one like how are these charges possible? I also asked 979 00:54:06.480 --> 00:54:10.960 them why you know? Basically a detailed explanation in writing 980 00:54:11.400 --> 00:54:14.000 of why two years after I was done seeing them. 981 00:54:14.360 --> 00:54:16.199 They came back and was like, oh, you owed two 982 00:54:16.239 --> 00:54:17.480 hundred dollars and some change. 983 00:54:18.440 --> 00:54:20.519 They never by the way, did you pay it, Randy? 984 00:54:20.960 --> 00:54:21.840 Did you pay it yet? 985 00:54:21.960 --> 00:54:22.119 No? 986 00:54:22.199 --> 00:54:24.519 I haven't paid it. No, I haven't paid it. 987 00:54:24.679 --> 00:54:26.920 When did the bill? When did the bill show up? 988 00:54:27.079 --> 00:54:28.400 When did the bill show up? 989 00:54:29.400 --> 00:54:31.880 Like like in summer of twenty one? 990 00:54:32.039 --> 00:54:34.599 And then I didn't? And then what have you been doing? Say? Okay, 991 00:54:34.639 --> 00:54:38.880 so why are you calling today? Did something happen where 992 00:54:38.920 --> 00:54:39.960 they're trying to come out? 993 00:54:40.280 --> 00:54:44.719 Yes, go ahead, Well so obviously they still want their money. 994 00:54:44.719 --> 00:54:47.320 And mister Thom, it's not about the money, right, It's 995 00:54:47.360 --> 00:54:50.000 not about the money. It's about I don't understand this. 996 00:54:50.199 --> 00:54:53.119 I have a TBI not to use that excuse, but 997 00:54:53.239 --> 00:54:55.559 I just don't understand this. Please explain it to me 998 00:54:55.599 --> 00:54:57.960 like I'm doing, and they refuse to do that. Right, 999 00:54:58.519 --> 00:55:02.159 And but what really I'm behind and why I'm calling 1000 00:55:02.199 --> 00:55:05.679 you today is, yes, my wife is part of my 1001 00:55:05.920 --> 00:55:08.519 care plan, if you will, right in the sense that 1002 00:55:08.679 --> 00:55:11.800 I'm married. She's my wife and we discuss things, and 1003 00:55:11.840 --> 00:55:14.280 no way she or formed is my wife part of 1004 00:55:14.280 --> 00:55:16.920 my care plan. When it comes to my doctors, I 1005 00:55:16.960 --> 00:55:19.039 haven't signed a release I haven't done any of that. 1006 00:55:19.280 --> 00:55:21.199 And if there's anyone that I know that's a straight shooter, 1007 00:55:21.239 --> 00:55:22.599 it's going to be you. And you're gonna tell me 1008 00:55:22.599 --> 00:55:24.800 to stop being cry baby, go pay my bill, and 1009 00:55:24.840 --> 00:55:26.960 have a good day. And I'm okay with that, mister Tom. 1010 00:55:27.199 --> 00:55:29.360 What I'm not okay is my wife goes to the 1011 00:55:29.360 --> 00:55:32.559 clinic that I was previously going to the original clinic. 1012 00:55:32.840 --> 00:55:38.639 While she's in a session, the doctor or the psychiatrist 1013 00:55:38.679 --> 00:55:43.599 that she sees is also the billing boss, if you will. 1014 00:55:43.880 --> 00:55:46.400 And in the middle of my wife's session, she turns 1015 00:55:46.440 --> 00:55:49.000 around and she's like, oh, hey, miss Brandy. By the way, 1016 00:55:49.840 --> 00:55:51.960 here's your husband's bill. Do you think you can do 1017 00:55:52.039 --> 00:55:54.519 something about it? And that was pretty much where that 1018 00:55:54.639 --> 00:55:55.159 is totally. 1019 00:55:55.639 --> 00:55:58.480 That is totally hold on And she was never signed 1020 00:55:58.480 --> 00:56:01.400 as part of you never she's not on the hook 1021 00:56:01.440 --> 00:56:06.559 for that bill. No, that was totally unprofessional information. 1022 00:56:07.360 --> 00:56:09.559 So the way that I see it, Randy, you know, 1023 00:56:10.400 --> 00:56:13.519 she shared my information with another patient, even though it's right, 1024 00:56:13.760 --> 00:56:15.320 that's right, I get it right. 1025 00:56:15.480 --> 00:56:20.440 But she didn't share medical information, Randy. Randy, listen, let 1026 00:56:20.440 --> 00:56:23.960 me give you my impression right now. I think you 1027 00:56:24.039 --> 00:56:33.199 are absolutely correct in feeling. This clinic sucks. They're unethical. 1028 00:56:33.800 --> 00:56:37.719 They should have never ever talked about a bill of 1029 00:56:37.760 --> 00:56:41.159 yours to your wife or anyone. My god. Hey, by 1030 00:56:41.199 --> 00:56:43.960 the way, while you're here with your problems, your husband 1031 00:56:44.000 --> 00:56:46.480 still hasn't paid his bill. Can you do something about it? 1032 00:56:46.920 --> 00:56:47.199 Really? 1033 00:56:48.159 --> 00:56:50.760 Okay, I agree with you, But here's what I really 1034 00:56:50.800 --> 00:56:56.480 want to get to. Many times, we as people lump 1035 00:56:56.559 --> 00:57:01.480 things together that shouldn't be lumped together. We lump them 1036 00:57:01.519 --> 00:57:06.239 together to give us the feeling and the answer we want. 1037 00:57:06.679 --> 00:57:10.519 So what you're thinking is this, I am so sick 1038 00:57:10.559 --> 00:57:12.960 and tired of this clinic that one doctor left me 1039 00:57:13.039 --> 00:57:15.800 for two weeks without meds. Now they're trying to collect 1040 00:57:15.800 --> 00:57:18.079 two years later money, and then they go and talk 1041 00:57:18.119 --> 00:57:20.480 to my wife about my bill. So you add all 1042 00:57:20.480 --> 00:57:23.800 those together and your answer is screw them. I'm not 1043 00:57:23.880 --> 00:57:27.920 paying them a dime. Wrong answer. I understand the I 1044 00:57:28.000 --> 00:57:31.039 understand the thought process, and I agree with you, but 1045 00:57:31.159 --> 00:57:33.760 it's the wrong answer. I'm going to tell you, Randy, 1046 00:57:33.760 --> 00:57:36.639 that most likely you do all the money. Most likely 1047 00:57:37.039 --> 00:57:40.760 you do because the clinic's not gonna make or break themselves. 1048 00:57:40.840 --> 00:57:43.360 Now you can verify it, and they should verify it, 1049 00:57:43.559 --> 00:57:45.800 and they should give you a breakdown. So I want 1050 00:57:45.840 --> 00:57:50.559 Deputy Doc to help you get a detailed bill. And 1051 00:57:50.639 --> 00:57:52.800 Doc is a doctor, So when they try to call that, 1052 00:57:53.199 --> 00:57:55.199 I'll pull the hip a thing. All he's going to 1053 00:57:55.239 --> 00:57:58.199 say is we're not asking about his information. We're not 1054 00:57:58.320 --> 00:58:01.679 asking about anything except him a detailed bill and he'll 1055 00:58:01.679 --> 00:58:04.800 pay it immediately. And that's where I think we stand. 1056 00:58:05.199 --> 00:58:09.480 But Randy, honest, here's what I do think. Randy, you 1057 00:58:10.079 --> 00:58:12.039 have gone through a lot of trauma in your life. 1058 00:58:12.119 --> 00:58:15.119 I can't even identify with it, even if I pretend 1059 00:58:15.159 --> 00:58:17.840 I can, I can't. But I can identify with one thing, 1060 00:58:18.360 --> 00:58:22.960 the technique you're using that that you're you're stuck with. 1061 00:58:23.159 --> 00:58:25.920 And I was too, because I had a different kind 1062 00:58:25.920 --> 00:58:27.639 of trauma. And let me explain this to you, Randy. 1063 00:58:28.159 --> 00:58:30.800 You are in a mode right now, and I'm saying 1064 00:58:30.800 --> 00:58:36.039 this as a friend. You're in a mode of injustice collection. 1065 00:58:37.519 --> 00:58:41.280 And because you feel that you've served your country, and 1066 00:58:41.320 --> 00:58:44.559 you did and you deserve kudos and you do. And 1067 00:58:44.599 --> 00:58:49.119 because you've done this mostly unnoticed and now you're out 1068 00:58:49.159 --> 00:58:52.320 just trying to make your way, what you're looking for 1069 00:58:52.400 --> 00:58:56.079 now is the people standing in your way or putting 1070 00:58:56.119 --> 00:58:59.519 up injustice, and what it does is you want to 1071 00:58:59.559 --> 00:59:02.800 collect all of this because you want to feel justified. 1072 00:59:03.239 --> 00:59:07.280 If you feel like screw everybody, you're trying to collect 1073 00:59:07.320 --> 00:59:12.719 information and evidence that will justify a feeling of defiance. 1074 00:59:13.360 --> 00:59:16.840 I get it, and everyone who goes through trauma gets it. 1075 00:59:17.119 --> 00:59:18.239 But here's what I tell you. 1076 00:59:19.760 --> 00:59:23.280 There is no concerted effort to put the screws to you. 1077 00:59:23.559 --> 00:59:26.880 And even though it feels that way, sometimes we group 1078 00:59:26.920 --> 00:59:28.719 things together, we shouldn't group together. 1079 00:59:28.960 --> 00:59:30.440 So here's what I'm telling you, Randy. 1080 00:59:30.800 --> 00:59:34.679 Just chillbro I'm telling you just live life for your 1081 00:59:34.760 --> 00:59:40.119 enjoyment and don't start collecting injustice. I'm telling you you're 1082 00:59:40.119 --> 00:59:43.079 in that mode because you were pushed into that mode. 1083 00:59:43.239 --> 00:59:46.280 And trust me, you had a thousand times more trauma 1084 00:59:46.320 --> 00:59:48.880 than I could ever imagine. But I'm just giving you 1085 00:59:48.960 --> 00:59:52.360 an observation. I think you're waiting for someone to screw you. 1086 00:59:52.840 --> 00:59:55.320 I mean, if you're honest with yourself, don't you kind 1087 00:59:55.320 --> 00:59:57.320 of go through life wondering who's going to be the 1088 00:59:57.360 --> 01:00:00.400 next person to try to screw me? I mean, That's 1089 01:00:00.400 --> 01:00:04.440 what I'm getting from you, And you know, I just 1090 01:00:04.719 --> 01:00:05.599 have a quick question to that. 1091 01:00:06.320 --> 01:00:07.480 What is it that you want. 1092 01:00:09.960 --> 01:00:11.719 I just want a detailed. 1093 01:00:13.679 --> 01:00:17.280 I want justification that I owe the money. Really like, Okay, 1094 01:00:17.480 --> 01:00:21.119 I was on an impression talking to try here that no, 1095 01:00:21.400 --> 01:00:24.280 you pay your twenty dollars co pay, and then it's 1096 01:00:24.320 --> 01:00:27.079 it's yeah, right off, like I called try here and 1097 01:00:27.119 --> 01:00:29.519 there that was their words, right. So then I turned 1098 01:00:29.519 --> 01:00:31.639 around and talk to the clinic and she's like, oh no, 1099 01:00:31.760 --> 01:00:32.719 that's not right at all. 1100 01:00:33.000 --> 01:00:35.559 See, okay, Randy, we get you off. 1101 01:00:35.599 --> 01:00:35.880 Doctor. 1102 01:00:36.000 --> 01:00:38.599 You see what he's talking about. What he wants is 1103 01:00:38.679 --> 01:00:43.119 some respect. That's what he wants. Okay, that's what he wants. Okay, 1104 01:00:43.239 --> 01:00:47.559 and it's right now in the form of a detailed medical. 1105 01:00:47.199 --> 01:00:48.480 Thing showing he is the money. 1106 01:00:48.480 --> 01:00:52.679 You get worse respect. Yeah, and deputy doc, thanks for 1107 01:00:52.679 --> 01:00:58.840 taking this. We got more coming up. Go with a 1108 01:00:58.920 --> 01:01:02.440 sure thing Denvers Best Roofer, Excel roofing dot com. You 1109 01:01:02.480 --> 01:01:08.239 don't pay a cent until you're content. Time for an 1110 01:01:08.280 --> 01:01:11.920 insurance check up free, no obligation. In comparison, call Compass 1111 01:01:11.960 --> 01:01:15.679 Insurance paying too much your coverage at dozens of insurance companies. 1112 01:01:15.760 --> 01:01:17.800 Find out now three O three, seven to seven to 1113 01:01:17.800 --> 01:01:20.599 one help. You'll think you're his only customer when you 1114 01:01:20.679 --> 01:01:23.119 choose Frank durand the real estate man dot com to 1115 01:01:23.199 --> 01:01:26.400 list your home with Remax Alliance three oh three nine 1116 01:01:26.440 --> 01:01:35.719 two zero sixteen twenty two. Hello Tom Martino here, welcome 1117 01:01:35.760 --> 01:01:38.800 to the show. Let's keep going here three O three 1118 01:01:38.880 --> 01:01:44.960 seven one three Talk to Delbert. What's going on? Delbert? Hello, 1119 01:01:46.679 --> 01:01:48.239 Hi Delbert. What's happening? 1120 01:01:49.239 --> 01:01:56.400 Well, a little bit of problem with Craigslist. I guess 1121 01:01:57.119 --> 01:02:02.599 what happened. I listed a vehicle four sale and posted it. 1122 01:02:02.599 --> 01:02:04.880 It's been a long time since I've did it, so 1123 01:02:04.960 --> 01:02:07.239 I had to go in and say, you know, forgot 1124 01:02:07.239 --> 01:02:10.360 my password, and I thought I set a password up 1125 01:02:10.760 --> 01:02:13.440 because now I want to go back in and delete 1126 01:02:13.480 --> 01:02:17.480 the post. And when I get into it, it says 1127 01:02:18.079 --> 01:02:25.480 you have a passwordless account. Okay, get into this thing. 1128 01:02:25.519 --> 01:02:27.320 And I've tried and tried to call. 1129 01:02:27.360 --> 01:02:31.280 Well when it said when it said passwordless, it said 1130 01:02:31.400 --> 01:02:34.679 password less, like you don't have a. 1131 01:02:34.639 --> 01:02:36.639 Password one word? 1132 01:02:38.119 --> 01:02:38.559 Okay? 1133 01:02:39.159 --> 01:02:42.480 Well, did you try just getting in without a password 1134 01:02:42.480 --> 01:02:45.519 then just using your username and a blank password? 1135 01:02:47.119 --> 01:02:49.199 Yes? No, not a blank passage. 1136 01:02:49.199 --> 01:02:49.840 And what happened? 1137 01:02:51.760 --> 01:02:54.280 Well, what did you put hold on? What did you 1138 01:02:54.360 --> 01:02:56.480 put in the password when you tried to get in? 1139 01:02:58.079 --> 01:03:01.599 I put my original password. 1140 01:03:01.119 --> 01:03:05.719 In there, No, No, go ahead and put your user 1141 01:03:05.800 --> 01:03:10.039 name in and leave the password blank and hit enter 1142 01:03:10.719 --> 01:03:12.400 and see if it lets you in. 1143 01:03:12.920 --> 01:03:14.760 Can you do that during a break or have we 1144 01:03:14.800 --> 01:03:15.599 put you on hold? 1145 01:03:18.360 --> 01:03:20.360 I got it? Let's say set password. 1146 01:03:23.280 --> 01:03:25.719 No, Tom, you don't want it, would you mind putting 1147 01:03:25.760 --> 01:03:26.719 me on hold? 1148 01:03:27.840 --> 01:03:30.719 Okay, we'll do that, all right. I think that we 1149 01:03:30.760 --> 01:03:32.000 can talk to you through this one. 1150 01:03:32.039 --> 01:03:32.800 I think. 1151 01:03:34.440 --> 01:03:38.239 Three three seven one, three eight two five five Greg? 1152 01:03:39.000 --> 01:03:42.400 What's going on with you? Greg? Oh? 1153 01:03:42.440 --> 01:03:43.960 Hey, Tom, can you hear me? 1154 01:03:44.000 --> 01:03:46.599 Okay, yes, I can, sir. 1155 01:03:46.480 --> 01:03:47.159 What's happening? 1156 01:03:49.599 --> 01:03:53.159 I have a house that I own with my ex 1157 01:03:53.199 --> 01:03:59.679 spouse and we're okay friends, and she had a problem. 1158 01:04:00.079 --> 01:04:00.880 It's the plumbing. 1159 01:04:01.320 --> 01:04:03.000 And I was out of the country because I know 1160 01:04:03.000 --> 01:04:04.960 a lot of trades people and I could have helped her. 1161 01:04:05.440 --> 01:04:09.159 And so she is a member of a plumbing company 1162 01:04:10.119 --> 01:04:13.639 and the water heater went out and they had no water, 1163 01:04:14.320 --> 01:04:19.800 and so they installed a new water heater and charged 1164 01:04:19.840 --> 01:04:24.320 her well over ten thousand dollars for the water heater 1165 01:04:24.519 --> 01:04:28.079 and to install it. And I don't know, I don't 1166 01:04:28.199 --> 01:04:31.119 think I've ever heard of something like that. That's well, 1167 01:04:31.360 --> 01:04:32.119 way too much. 1168 01:04:32.519 --> 01:04:36.320 Okay, Hold on a second, Hold on, Greg, Welcome to 1169 01:04:36.360 --> 01:04:39.840 the new world. Now, this particular company you're talking about 1170 01:04:39.960 --> 01:04:41.920 is Apple is Apple? Would Is that right? 1171 01:04:42.440 --> 01:04:42.800 It is? 1172 01:04:43.000 --> 01:04:46.840 Yeah? Yeah, I didn't know. Let me explain something. Well, 1173 01:04:46.880 --> 01:04:49.000 I don't care. I mean, it's it is what it is. 1174 01:04:49.119 --> 01:04:50.440 Okay, all right. 1175 01:04:50.960 --> 01:04:56.760 I here's something that I find. 1176 01:04:57.599 --> 01:04:59.760 All the time. Sticker shock. 1177 01:05:00.159 --> 01:05:06.599 Okay, Now, I think that, in my opinion, it sounds outrageous. 1178 01:05:07.400 --> 01:05:09.639 You know, a little over ten grand for a water 1179 01:05:10.039 --> 01:05:13.400 It sounds outrageous because here's what we all do. We 1180 01:05:13.440 --> 01:05:15.960 all say, well, we can buy the heater for this much, 1181 01:05:16.400 --> 01:05:18.679 and then we can buy the fittings for this much. 1182 01:05:19.000 --> 01:05:21.000 So you mean to tell me they're getting paid eight 1183 01:05:21.079 --> 01:05:23.480 or nine grand just for being here for a half hour, 1184 01:05:23.559 --> 01:05:26.440 you know, or whatever. I mean, I'm exaggerating about. 1185 01:05:26.280 --> 01:05:28.400 One thousand dollars an hour to install it, you know 1186 01:05:28.599 --> 01:05:29.000 or whatever. 1187 01:05:29.159 --> 01:05:33.199 No, no, but but but you're right, Greg. Now, if 1188 01:05:33.239 --> 01:05:35.679 I wanted to be unfair, I can say a Apple 1189 01:05:35.679 --> 01:05:38.079 what sucks. I won't leave them a doon't ever go there. 1190 01:05:38.599 --> 01:05:41.719 I will tell you the number one complaint we get 1191 01:05:41.760 --> 01:05:45.719 about apple Wood is their price. The number one complaint 1192 01:05:45.800 --> 01:05:48.000 the did you call them and complain about it? 1193 01:05:49.079 --> 01:05:51.039 I did and they immediately. 1194 01:05:51.079 --> 01:05:53.760 Did they make an adjust Usually they make an Usually 1195 01:05:53.800 --> 01:05:57.280 they make an adjustment. Did they make an adjustment for. 1196 01:05:57.400 --> 01:05:59.960 Two thousand dollars for twenty okay? 1197 01:06:00.599 --> 01:06:03.199 So then it was eight now eight grand? 1198 01:06:03.280 --> 01:06:03.719 Is that right? 1199 01:06:05.199 --> 01:06:05.400 Right? 1200 01:06:05.440 --> 01:06:07.840 And again, I own my own company, and I have 1201 01:06:08.199 --> 01:06:10.599 a network. It's like a chamber of commerce, and I 1202 01:06:10.639 --> 01:06:13.119 have tons of trades people. They could have installed this 1203 01:06:13.159 --> 01:06:16.400 for three thousand at the low end, five thousand, Greg, 1204 01:06:16.480 --> 01:06:17.960 very tough time, Greg, I. 1205 01:06:17.960 --> 01:06:20.440 Know, Okay, Greg, I'm gonna tell you I was out 1206 01:06:20.480 --> 01:06:23.239 of the country. That's a bunch of bs. That's a 1207 01:06:23.280 --> 01:06:27.239 bunch of bs, Greg. Okay, because hindsight is always cheaper. 1208 01:06:27.559 --> 01:06:30.840 Hindsight is always cheaper. And I'm going to tell you something, Greg, 1209 01:06:31.239 --> 01:06:34.559 there are very few people today that will install any 1210 01:06:34.679 --> 01:06:36.840 kind of a water heater for three grand. What size 1211 01:06:36.880 --> 01:06:37.760 water heater was it? 1212 01:06:39.800 --> 01:06:42.159 I don't have fifty gallons or something we research so 1213 01:06:42.199 --> 01:06:42.719 that you could buy. 1214 01:06:42.719 --> 01:06:45.199 Okay, I'm gonna tell you this. Hold on, Hold on, man, 1215 01:06:45.440 --> 01:06:47.960 let's let's talk. I love being out in the open, 1216 01:06:48.159 --> 01:06:51.199 and I don't have any allegiance to any company anywhere 1217 01:06:51.280 --> 01:06:54.000 at any time. If I represent them, I want them 1218 01:06:54.000 --> 01:06:55.639 to do what they say and say what they do. 1219 01:06:55.880 --> 01:06:58.119 I don't represent apple Wood, but I'm gonna treat them 1220 01:06:58.159 --> 01:06:59.840 the same. This is what I want you to do. 1221 01:07:00.199 --> 01:07:02.320 I want you to get me a legit and I 1222 01:07:02.440 --> 01:07:05.199 mean it better be serious and not a lie written 1223 01:07:05.760 --> 01:07:09.199 proposal for a fifty gallon water tank for three grand 1224 01:07:09.280 --> 01:07:11.239 or under. I want you to do that because I'm 1225 01:07:11.280 --> 01:07:13.599 going to hold you to your word. I don't think 1226 01:07:13.880 --> 01:07:16.159 one of those people that told you we could have 1227 01:07:16.199 --> 01:07:19.400 done that for three grand. I'll guarantee you that we 1228 01:07:19.559 --> 01:07:21.960 can't get them to do it for three grand, because 1229 01:07:22.000 --> 01:07:24.960 if you find them, I'm going to feed them customers 1230 01:07:25.159 --> 01:07:27.199 and I want to see them do it for three grand. 1231 01:07:27.440 --> 01:07:30.760 They won't. They won't, Okay, So Greg, first of all, 1232 01:07:30.800 --> 01:07:34.480 you're comparing it with fantasy, because unless they do it, 1233 01:07:34.920 --> 01:07:37.559 you can't say what they would do it. I'll never 1234 01:07:37.639 --> 01:07:42.000 forget when a stowstorm was coming and there were two 1235 01:07:42.039 --> 01:07:44.639 grocers in the town, and the one grocer was selling 1236 01:07:44.719 --> 01:07:46.920 the eggs for five bucks a dozen, which at that 1237 01:07:47.000 --> 01:07:51.239 time was outrageous, and the other grocer said, well, you 1238 01:07:51.280 --> 01:07:54.039 know what, I'd sell them for way cheaper than that. Okay, 1239 01:07:54.039 --> 01:07:56.639 where are they? Well, I don't have any seeing The 1240 01:07:56.719 --> 01:07:59.440 point is this is unless you do it, you can't 1241 01:07:59.440 --> 01:08:02.079 talk about it. And when you said, you called and 1242 01:08:02.199 --> 01:08:04.559 about a half a dozen of your people could do 1243 01:08:04.639 --> 01:08:07.519 it for three grand or under. I want to see one, 1244 01:08:08.079 --> 01:08:10.679 just one of them, that will literally do a fifty 1245 01:08:10.679 --> 01:08:14.880 gallon water tank for for three thousand dollars. The going 1246 01:08:14.960 --> 01:08:17.399 rate for water takes right now is about five grand. 1247 01:08:17.640 --> 01:08:20.079 And that's a good price. Now do I like it? 1248 01:08:20.239 --> 01:08:20.319 No? 1249 01:08:20.760 --> 01:08:24.199 I don't like it, But these people are paying for insurances. 1250 01:08:24.520 --> 01:08:28.520 They're paying for everything in the world, all the business 1251 01:08:28.560 --> 01:08:33.079 licenses and all the fees and advertising. And I don't 1252 01:08:33.199 --> 01:08:39.600 like it, but that's life. Go with a sure thing 1253 01:08:39.720 --> 01:08:43.039 Denver's Best roofer Excel Roofing dot com. You don't pay 1254 01:08:43.039 --> 01:08:48.880 a cent until you're content. Wait time for an insurance 1255 01:08:49.000 --> 01:08:53.079 checkup free, no obligation. In comparison, call Compass Insurance paying 1256 01:08:53.119 --> 01:08:56.159 too much your coverage at dozens of insurance companies find 1257 01:08:56.199 --> 01:08:58.520 out now three oh three seven seven to one help. 1258 01:08:58.680 --> 01:09:01.319 You'll think you're his only customer when you choose Frank 1259 01:09:01.399 --> 01:09:03.840 durand the real estate Man dot com to list your 1260 01:09:03.880 --> 01:09:07.000 home with Remax Alliance three oh three nine two zero 1261 01:09:07.159 --> 01:09:16.800 sixteen twenty two. Hey, I'm Tom Martinez. Let's talk to Julie. Julie, 1262 01:09:17.199 --> 01:09:19.239 you're calling for a friend about a car accident. 1263 01:09:20.800 --> 01:09:24.159 Yeah, she got back ended and they're blaming her for it. 1264 01:09:25.960 --> 01:09:28.479 Wait a minute, how the hell are you blamed somebody like? 1265 01:09:29.000 --> 01:09:31.560 Hold on a second. She was rear ended and they're 1266 01:09:31.560 --> 01:09:33.560 saying it was her fault. We'll come back and talk 1267 01:09:33.600 --> 01:09:36.479 about this and more coming up. Also, I hit a 1268 01:09:36.520 --> 01:09:40.359 nerve with pricing. People say, come on, Tom, there's got 1269 01:09:40.479 --> 01:09:41.119 to be limits. 1270 01:09:41.239 --> 01:09:42.359 Let's talk about that and. 1271 01:09:42.319 --> 01:09:56.880 More coming up on the Troubleshooter Show. Go with a 1272 01:09:56.960 --> 01:10:00.479 sure thing Denver's Best roofer Excel Roofing dot com. You 1273 01:10:00.520 --> 01:10:06.159 don't pay a cent until you're content. Three time for 1274 01:10:06.199 --> 01:10:09.960 an insurance check up free, no obligation comparison call Compass 1275 01:10:10.000 --> 01:10:13.279 Insurance paying too much your coverage at dozens of insurance 1276 01:10:13.279 --> 01:10:15.800 companies find out now three oh three seven seven to 1277 01:10:15.840 --> 01:10:18.640 one help. You'll think you're his only customer when you 1278 01:10:18.720 --> 01:10:21.159 choose Frank durand the real estate Man dot com to 1279 01:10:21.239 --> 01:10:24.439 list your home with Remax Alliance three oh three nine 1280 01:10:24.479 --> 01:10:32.439 two zero sixteen twenty two ripped off. 1281 01:10:33.880 --> 01:10:39.840 News you needed, That's who you don't have come run 1282 01:10:39.840 --> 01:10:45.479 anxious as fast as you can. Shooter's gonna help come man. 1283 01:10:46.279 --> 01:10:50.479 Six is the Troubleshooter Show. No Tom Martino. 1284 01:10:51.920 --> 01:10:54.560 Hello, I'm Tom Martino. Welcome to the show. Three oh 1285 01:10:54.600 --> 01:10:58.000 three seven one three talk seven one three eight two 1286 01:10:58.119 --> 01:10:58.840 five five. 1287 01:10:59.199 --> 01:11:00.479 What's going on in your life? 1288 01:11:00.520 --> 01:11:02.279 Let's see what we can do to help you, as 1289 01:11:02.319 --> 01:11:05.600 we do each end every day. And thanks for being here, 1290 01:11:05.640 --> 01:11:08.039 by the way, So I want to go to the 1291 01:11:08.079 --> 01:11:14.319 phones and uh start with Julie. She's calling for a 1292 01:11:14.359 --> 01:11:19.119 friend who had a car accident. So, Julie, tell your story. 1293 01:11:19.159 --> 01:11:19.880 What's going on. 1294 01:11:22.439 --> 01:11:24.319 It happened a couple of weeks ago and. 1295 01:11:26.359 --> 01:11:28.399 She was rear ended. Where did it happen? 1296 01:11:30.479 --> 01:11:30.760 Thanks? 1297 01:11:31.439 --> 01:11:32.319 Why did it happen? 1298 01:11:32.800 --> 01:11:33.359 Very much? 1299 01:11:34.000 --> 01:11:34.920 Where did it happen? 1300 01:11:35.800 --> 01:11:40.239 Like? What what? How did it happen? Tell me about this? Okay, 1301 01:11:40.399 --> 01:11:41.359 let's talk to her. Then. 1302 01:11:41.359 --> 01:11:41.880 What's her name. 1303 01:11:42.199 --> 01:11:43.720 I'm going to put Martha on. 1304 01:11:45.199 --> 01:11:46.359 Marca Marca. 1305 01:11:46.960 --> 01:11:50.119 Yeah, yeah, it's happened on the tenth of March. 1306 01:11:51.720 --> 01:11:52.479 What is your name? 1307 01:11:53.920 --> 01:11:54.279 Martha? 1308 01:11:54.439 --> 01:11:59.680 And I I got it? Thank you Martha. So here's 1309 01:11:59.720 --> 01:12:02.960 what I need to know. Martha. Explain the day of 1310 01:12:03.000 --> 01:12:03.640 the accident. 1311 01:12:03.680 --> 01:12:04.319 What happened. 1312 01:12:05.880 --> 01:12:11.079 So I was driving there was one vehicle in front 1313 01:12:11.119 --> 01:12:14.760 of me going slowly, so I tried to slow down, 1314 01:12:15.279 --> 01:12:18.600 and then the one behind me came and hit me, 1315 01:12:19.359 --> 01:12:20.119 and then the plip. 1316 01:12:20.399 --> 01:12:21.439 Okay they did it. 1317 01:12:22.039 --> 01:12:24.239 Yeah, and now I give it to. 1318 01:12:24.239 --> 01:12:30.039 The hold on Martha. Did they give you both tickets Martha? Yes? 1319 01:12:33.520 --> 01:12:34.000 Okay. 1320 01:12:34.479 --> 01:12:37.079 So did you slam on your brakes? 1321 01:12:38.920 --> 01:12:39.279 Yes? 1322 01:12:42.159 --> 01:12:44.960 And you slammed on your brakes because the guy in 1323 01:12:45.000 --> 01:12:46.680 front of you slammed on his brakes? 1324 01:12:48.279 --> 01:12:52.159 No she yeah, she came full steed and hit me. 1325 01:12:52.279 --> 01:12:55.680 There was one in front of me, so accent okay. 1326 01:12:55.560 --> 01:13:01.359 H me Martha. Why did you Martha? Why did you. 1327 01:13:02.880 --> 01:13:03.720 Put the brakes on? 1328 01:13:06.319 --> 01:13:07.520 Put the brakes on? 1329 01:13:10.840 --> 01:13:13.279 Why did you put the brakes on? Why did you 1330 01:13:13.399 --> 01:13:15.520 use your brakes? Did the guy in front of you 1331 01:13:15.640 --> 01:13:17.520 or the woman or the car in front of you 1332 01:13:17.600 --> 01:13:18.920 come to a quick stop? 1333 01:13:20.319 --> 01:13:22.520 Yeah, she can. 1334 01:13:22.560 --> 01:13:25.720 Okay, quick stop so I have to stop at his back. 1335 01:13:26.520 --> 01:13:31.600 So I get it. I get it. Yeah. Now who 1336 01:13:31.640 --> 01:13:32.880 is saying it's your fault? 1337 01:13:35.439 --> 01:13:38.640 And the insurance people I've called them, I've called them 1338 01:13:38.760 --> 01:13:42.119 my insurance. I called them and then they called them. 1339 01:13:42.119 --> 01:13:45.279 That insurance and they are saying it's my fault. 1340 01:13:45.800 --> 01:13:49.399 And he has now does your does your does your 1341 01:13:49.439 --> 01:13:53.359 insurance company agree that it's your fault? 1342 01:13:56.680 --> 01:14:01.319 I can't insurance having told me any thing. By my insurance. 1343 01:14:01.399 --> 01:14:05.840 I call them today and they're telling me the other side. 1344 01:14:05.920 --> 01:14:09.800 Insurance said it's my fault, and I said, no, it's. 1345 01:14:09.640 --> 01:14:10.439 Not a fault. 1346 01:14:10.720 --> 01:14:13.439 Okay, Martha, Martha. 1347 01:14:13.319 --> 01:14:18.880 This is not unusual. This is not unusual that they 1348 01:14:18.920 --> 01:14:22.399 try to blame you for this. It's not unusual. What 1349 01:14:22.520 --> 01:14:26.479 I really want to know, did your insurance company agree 1350 01:14:26.600 --> 01:14:27.920 with them or not? 1351 01:14:30.880 --> 01:14:35.760 Uh? That's what my insurance is telling me because I 1352 01:14:35.840 --> 01:14:39.880 have a li and then the guy have to do 1353 01:14:39.920 --> 01:14:43.039 my came for me. One who hits me and I've 1354 01:14:43.079 --> 01:14:44.840 called them, I've called them, they sent. 1355 01:14:44.800 --> 01:14:48.239 Me a But does your insurance company, Martha. I'm going 1356 01:14:48.319 --> 01:14:52.039 to try this one more time. Is your insurance company 1357 01:14:52.920 --> 01:14:57.039 on your side or is your insurance company saying it 1358 01:14:57.159 --> 01:15:04.359 is your fault? What is your insurance company saying there? 1359 01:15:04.520 --> 01:15:08.680 I say, yeah, peoples say that's what they told me. 1360 01:15:08.800 --> 01:15:13.560 Okay, but did they give did your insurance company give 1361 01:15:13.600 --> 01:15:21.119 their own opinion? No they have any Okay, Okay, gotcha. 1362 01:15:21.279 --> 01:15:26.159 Now here's what you need to do, Martha. Did you 1363 01:15:26.279 --> 01:15:31.600 at the day of this accident did you take any pictures? Yes? 1364 01:15:31.640 --> 01:15:32.520 Please? I did. 1365 01:15:34.239 --> 01:15:34.560 Good. 1366 01:15:35.199 --> 01:15:39.319 Does the picture show clearly that someone hit you from behind? 1367 01:15:40.760 --> 01:15:40.960 Yes? 1368 01:15:43.079 --> 01:15:45.720 What did the cop give you a ticket for? Was 1369 01:15:45.760 --> 01:15:48.439 it for following too closely? 1370 01:15:49.880 --> 01:15:51.079 Yeah, that's what they said. 1371 01:15:51.159 --> 01:15:56.199 Yeah, okay, did the person in front of you get 1372 01:15:56.279 --> 01:15:56.760 a ticket? 1373 01:15:58.479 --> 01:16:00.119 Yes, it gets all of this. 1374 01:16:02.439 --> 01:16:04.119 Were there three of you all together? 1375 01:16:05.880 --> 01:16:06.199 That's what. 1376 01:16:06.600 --> 01:16:10.039 So I asked that plice why the ticket and said, 1377 01:16:10.600 --> 01:16:13.359 you guys have following me too close. 1378 01:16:13.520 --> 01:16:14.640 That's what she told me. 1379 01:16:14.800 --> 01:16:20.680 Okay, I got it. I got it, Martha. So right now, 1380 01:16:21.319 --> 01:16:24.399 your insurance is not going to pay for your car. 1381 01:16:24.560 --> 01:16:30.840 Do you have collision coverage? No, so you will have 1382 01:16:30.880 --> 01:16:35.039 to get the insurance behind you to cover you. And 1383 01:16:35.079 --> 01:16:37.640 they're saying, no, it was your fault. So I'm going 1384 01:16:37.720 --> 01:16:41.880 to tell you what to do, and you gotta listen carefully. Okay, okay, 1385 01:16:42.159 --> 01:16:49.479 Number one, Number one, go and get three estimates to 1386 01:16:49.840 --> 01:16:50.279 your car. 1387 01:16:52.920 --> 01:16:54.720 Three whats please come back. 1388 01:16:55.000 --> 01:17:02.960 Again, Three estimates, three guesses on what it's going to cost. Okay, 1389 01:17:04.399 --> 01:17:08.920 go to three shops. Now listen carefully. You want to 1390 01:17:08.920 --> 01:17:12.119 throw out the highest, and you want to throw out 1391 01:17:12.159 --> 01:17:15.119 the lowest, and you want to go with the middle price. 1392 01:17:16.039 --> 01:17:18.800 And then when you get that middle price, let's say 1393 01:17:18.880 --> 01:17:21.880 it's going to be two thousand, then you sue that 1394 01:17:22.039 --> 01:17:27.640 other driver in small claims court directly. Do not deal 1395 01:17:27.720 --> 01:17:31.279 with the other person's insurance company. The person behind you 1396 01:17:31.359 --> 01:17:33.439 that hit you. Was it a man or a woman? 1397 01:17:35.159 --> 01:17:37.199 She was a young guy of mine. 1398 01:17:37.760 --> 01:17:42.000 Okay, then you're going to sue this young man directly 1399 01:17:42.359 --> 01:17:43.479 in small Thames court. 1400 01:17:43.800 --> 01:17:45.640 Did you get his name and address? 1401 01:17:47.199 --> 01:17:53.079 Yeah? I have address and good good Martha, Martha, put 1402 01:17:53.159 --> 01:17:59.039 your friend. Put your friend back on the phone real quick. Okay, 1403 01:17:59.039 --> 01:18:01.279 put Julie back, Cuie. 1404 01:18:01.319 --> 01:18:02.119 Listen carefully. 1405 01:18:02.680 --> 01:18:05.840 I think this woman has a good case against the 1406 01:18:05.880 --> 01:18:09.159 other driver. It doesn't matter what his insurance says. His 1407 01:18:09.239 --> 01:18:11.319 insurance is going to try to say anything to get 1408 01:18:11.359 --> 01:18:13.840 out of it. So what she should do is get 1409 01:18:13.840 --> 01:18:16.760 three estimates for her car, throw out the highest and 1410 01:18:16.800 --> 01:18:20.760 the lowest, take the middle estimate, and sue that person 1411 01:18:21.359 --> 01:18:24.840 that driver. Help her sue that person in small claims court. 1412 01:18:25.119 --> 01:18:28.439 Here's what's going to happen. That person is going to 1413 01:18:28.479 --> 01:18:31.720 get really pissed off and yell at his insurance company 1414 01:18:31.960 --> 01:18:34.439 to take care of it. You do not have to 1415 01:18:34.520 --> 01:18:38.239 deal with the other person's insurance company ever. Here's the 1416 01:18:38.319 --> 01:18:42.039 fact she was rear ended. There's no reason for it, 1417 01:18:42.439 --> 01:18:45.920 and she wants to sue for damages. I'm Tom Martine 1418 01:18:46.439 --> 01:18:49.399 three zero three seven one three talk seven one three 1419 01:18:49.479 --> 01:18:52.960 eight two five five. Frank durandreal estate Man dot com 1420 01:18:53.000 --> 01:18:56.359 will do free market valuations for your home for the asking. 1421 01:18:56.880 --> 01:18:58.479 You want to know what it will sell for you 1422 01:18:58.560 --> 01:19:03.760 ask Frank. There's no obligation whatsoever. Three oh three nine 1423 01:19:03.800 --> 01:19:08.439 to zero sixteen twenty two. Frank Dreen the real Estateman 1424 01:19:08.560 --> 01:19:16.359 dot com. Go with a sure thing Denver's best roofer 1425 01:19:16.479 --> 01:19:19.399 Excel Roofing dot com. You don't pay a cent until 1426 01:19:19.439 --> 01:19:25.279 you're content. Time for an insurance check up free, no 1427 01:19:25.399 --> 01:19:29.760 obligation comparison call Compass Insurance Paying too much your coverage 1428 01:19:29.760 --> 01:19:32.479 at dozens of insurance companies find out now three oh 1429 01:19:32.479 --> 01:19:34.840 three seven to seven to one. Help. You'll think you're 1430 01:19:34.880 --> 01:19:37.399 his only customer when you choose Frank Durand the real 1431 01:19:37.479 --> 01:19:40.479 estate Man dot com to list your home with Remax 1432 01:19:40.520 --> 01:19:43.600 Alliance three oh three nine two zero sixteen twenty two. 1433 01:19:46.920 --> 01:19:49.199 Hi Tom Artino here at three o three seven one 1434 01:19:49.319 --> 01:19:55.119 three talk seven one three eight two five five. All right, 1435 01:19:55.479 --> 01:19:56.520 who should I take next? 1436 01:19:56.600 --> 01:19:56.760 Here. 1437 01:19:57.239 --> 01:20:00.560 Oh, oh, Peggy, Hey Peggy, what's happening? 1438 01:20:01.880 --> 01:20:06.119 Okay, this is what happened. I did end up kind 1439 01:20:06.119 --> 01:20:08.159 of getting my way, but I. 1440 01:20:08.119 --> 01:20:09.640 Want to tell you, Oh, is this where you had 1441 01:20:09.680 --> 01:20:11.720 hold on? I wanted to find out Is this the 1442 01:20:11.840 --> 01:20:13.720 terrible sewage smell in your apartment? 1443 01:20:14.600 --> 01:20:14.920 Yes? 1444 01:20:15.039 --> 01:20:18.560 Uh huh, and Bo went out and verified it, and 1445 01:20:18.600 --> 01:20:22.359 he contacted authorities. The Colorado Department of Health went out 1446 01:20:22.359 --> 01:20:25.840 to investigate, and we are awaiting their findings. So go 1447 01:20:25.880 --> 01:20:27.239 ahead and tell us what's going on. 1448 01:20:28.199 --> 01:20:28.560 Okay. 1449 01:20:28.760 --> 01:20:30.159 I did get to meet that gentleman. 1450 01:20:31.279 --> 01:20:35.319 I've also had Kolby out here. Hoby works, has his 1451 01:20:35.479 --> 01:20:39.359 own HVAC company, and he works where I work, and 1452 01:20:40.039 --> 01:20:44.960 the smell was getting in my system. I'm on thirty 1453 01:20:45.039 --> 01:20:46.359 year cancer patient. 1454 01:20:46.000 --> 01:20:48.680 And I'm still doing chemotherapy and. 1455 01:20:48.560 --> 01:20:50.439 It was getting Wait a minute, what whoa, whoa, whoa whoa. 1456 01:20:50.479 --> 01:20:53.000 Oh Peggy, what do you mean it's getting into your system? 1457 01:20:53.039 --> 01:20:58.880 It's making you sick? Yes, now, Peggy, I want to 1458 01:20:58.920 --> 01:21:01.159 know something about this. I want to know something about 1459 01:21:01.159 --> 01:21:05.600 the smell. Okay, did they find out where it's coming from? 1460 01:21:06.720 --> 01:21:10.560 They have not given me that information as yet. I 1461 01:21:10.600 --> 01:21:13.199 haven't heard from any here. 1462 01:21:13.640 --> 01:21:16.920 Has anything been rectified. Has any bit thing been fixed 1463 01:21:16.960 --> 01:21:18.760 at all? No. 1464 01:21:18.920 --> 01:21:19.520 As a matter of. 1465 01:21:19.520 --> 01:21:21.479 Fact, what they tried to do was move me into 1466 01:21:21.520 --> 01:21:23.800 the apartment below me, which has mold. 1467 01:21:26.439 --> 01:21:29.439 Okay, Peggy, do you want to do you want to 1468 01:21:29.560 --> 01:21:31.800 just leave the entire complex? 1469 01:21:33.159 --> 01:21:34.039 I'm leaving it. 1470 01:21:35.960 --> 01:21:37.600 So what do you need us to do for you? 1471 01:21:38.119 --> 01:21:39.760 What do you what do you need us to do 1472 01:21:39.840 --> 01:21:40.880 for you if you're leaving? 1473 01:21:41.880 --> 01:21:44.680 Okay? The truth of the matter is Bo asked me 1474 01:21:44.720 --> 01:21:46.760 to call in. I just wanted to call in and 1475 01:21:46.800 --> 01:21:49.760 say what happened and how it came out. But I 1476 01:21:49.800 --> 01:21:50.920 wanted to applaud, but. 1477 01:21:51.439 --> 01:21:54.239 It didn't come out. They basically did nothing. 1478 01:21:55.439 --> 01:21:57.800 Well, no, they haven't done anything to the building that 1479 01:21:57.920 --> 01:22:01.119 I know of. They definitely have been in my apartment 1480 01:22:01.399 --> 01:22:03.760 since it's been real you know checked. 1481 01:22:05.399 --> 01:22:08.399 Okay, But the Colorado Department of Health did go out 1482 01:22:08.479 --> 01:22:09.600 and investigate. 1483 01:22:10.239 --> 01:22:14.960 Yes, they did, mister Nathaniel Rosenberg public and did he 1484 01:22:15.079 --> 01:22:16.319 say what they're gonna do? 1485 01:22:16.439 --> 01:22:19.920 Okay? Did you hear back from them? That's it. 1486 01:22:20.199 --> 01:22:21.960 All he told me when he left here was that 1487 01:22:22.039 --> 01:22:24.159 he was going to continue the investigation. 1488 01:22:25.560 --> 01:22:28.720 Okay, thank you, Peggy, Thank you. So Peggy wanted us 1489 01:22:28.720 --> 01:22:31.039 to know the state guy did show up, Thank you, Peggy, 1490 01:22:31.359 --> 01:22:35.239 and we need to check with both with the state. 1491 01:22:36.720 --> 01:22:39.920 Nate has a question go ahead about Vestera Turnkey. 1492 01:22:39.960 --> 01:22:42.000 I believe he's talking about go ahead Nate. 1493 01:22:44.119 --> 01:22:45.680 Yeah, Hi Tom. 1494 01:22:45.840 --> 01:22:48.960 Two questions Hi, Nate, Yes, yeah Hi. 1495 01:22:50.399 --> 01:22:57.039 First question is do you know if it's not do 1496 01:22:57.079 --> 01:23:02.199 you know if any of the I guess the purchases 1497 01:23:02.319 --> 01:23:06.199 have ever had the loans called on them? And the 1498 01:23:06.279 --> 01:23:10.279 reason I managed okay I was thinking about uh. The 1499 01:23:10.319 --> 01:23:15.039 second question is what if had you thought about purchasing 1500 01:23:15.479 --> 01:23:20.520 uh something full up with cash rather. 1501 01:23:20.319 --> 01:23:26.560 Than okay, okay, Nate. The first question has any has 1502 01:23:26.600 --> 01:23:31.079 a loan ever been called? And I've had extensive discussions 1503 01:23:31.079 --> 01:23:34.800 with Barry about the loans performance shortfalls all that no 1504 01:23:34.920 --> 01:23:40.319 loans have ever been accelerated or called. Now, Nate, I 1505 01:23:40.399 --> 01:23:42.439 want to I want to mention something to you. When 1506 01:23:42.439 --> 01:23:46.199 you go into Vestra Turnkey, they set up one investor 1507 01:23:46.520 --> 01:23:50.199 with one property. The investor puts up cash for the 1508 01:23:50.199 --> 01:23:54.279 down payment and takes out the loan. Barry and his 1509 01:23:54.439 --> 01:23:58.119 team the management company, manages it like and Barry doesn't 1510 01:23:58.159 --> 01:24:01.720 own that that's a pass through a fee. What Barry 1511 01:24:01.760 --> 01:24:05.760 does is then researches the market to what to charge 1512 01:24:05.800 --> 01:24:08.399 rents and what to sell the house for and when 1513 01:24:08.439 --> 01:24:10.760 to sell it. So that's all that's and then he 1514 01:24:10.800 --> 01:24:13.600 takes your daily phone calls if you have any. So 1515 01:24:13.640 --> 01:24:16.119 now we're sitting on a house. And then you have 1516 01:24:16.159 --> 01:24:20.640 an additional question. So you have a house, you have 1517 01:24:20.720 --> 01:24:24.640 a loan, you're you're it's being managed. So what would 1518 01:24:24.680 --> 01:24:26.319 your next concern be after that? 1519 01:24:28.439 --> 01:24:32.399 So the the next question was have you thought about 1520 01:24:34.000 --> 01:24:36.880 on your side with not so much thesteria, but the 1521 01:24:37.199 --> 01:24:42.039 LLCs that you're putting together, purchasing any of those with 1522 01:24:42.560 --> 01:24:45.000 all rather than having. 1523 01:24:44.880 --> 01:24:50.600 Okay cash okay, there is a principle. There is a 1524 01:24:50.640 --> 01:24:56.600 principle in investing called the leverage okay, and you make 1525 01:24:56.800 --> 01:25:02.399 higher returns always when it's not your money or when 1526 01:25:02.479 --> 01:25:05.840 you're borrowing the money. Now I understand I'm not telling 1527 01:25:05.880 --> 01:25:08.319 people to go out and get in debt and invest money. 1528 01:25:08.319 --> 01:25:11.279 That's stupid because there's no short thing. You could lose 1529 01:25:11.319 --> 01:25:16.479 it all. But the principle is solid. If you take 1530 01:25:16.560 --> 01:25:20.439 one hundred thousand dollars and want to invest it, and 1531 01:25:20.520 --> 01:25:23.640 you knew for sure, For example, if you invest a 1532 01:25:23.760 --> 01:25:28.560 one on day ten, it would be worth more. Then 1533 01:25:28.840 --> 01:25:33.039 if you absolutely knew that, then on day one you 1534 01:25:33.039 --> 01:25:35.560 would want to make as much as that one hundred 1535 01:25:35.600 --> 01:25:39.880 thousand dollars borrowed as possible, so long as the cost 1536 01:25:39.960 --> 01:25:44.600 of borrowing does not exceed the rate of return. So 1537 01:25:45.479 --> 01:25:49.159 with vester Era, you want to use leverage. You don't 1538 01:25:49.159 --> 01:25:51.640 want to tie up your cash, and I'll tell you why. 1539 01:25:51.720 --> 01:25:56.439 In my opinion, there's no reason to. However, you could 1540 01:25:56.680 --> 01:26:02.800 absolutely positively do the same exact investment with cold hard cash. 1541 01:26:02.880 --> 01:26:07.439 You absolutely can, But Nate, I choose not to do 1542 01:26:07.520 --> 01:26:13.359 it that way because one, I have the borrowing power. Two, 1543 01:26:13.520 --> 01:26:17.680 I have the principle set aside for an emergency, so 1544 01:26:17.720 --> 01:26:19.479 I can pay it off if I need it to. 1545 01:26:20.319 --> 01:26:24.359 So Three, I want to take advantage of borrowed money 1546 01:26:24.760 --> 01:26:30.000 making money because the returns far exceed the six percent 1547 01:26:30.039 --> 01:26:33.279 I'm paying to borrow the money, So in my case, 1548 01:26:33.359 --> 01:26:37.600 I'd rather borrow the money. I don't advise that people 1549 01:26:37.880 --> 01:26:44.159 borrow money to invest if the money cannot be secured. 1550 01:26:44.680 --> 01:26:50.119 So a house secures the money. So when I borrow 1551 01:26:50.199 --> 01:26:56.199 money against a house, that house is secured. Ninety seven 1552 01:26:56.239 --> 01:27:00.520 percent of the time. If a loan is called or 1553 01:27:00.600 --> 01:27:06.239 a loan is defaulted on. There is no consequence to 1554 01:27:06.319 --> 01:27:10.319 the borrower except the borrower gets a ding on their credit. 1555 01:27:10.720 --> 01:27:14.000 But the banks hardly ever have to go after borrowers 1556 01:27:14.479 --> 01:27:18.800 because there's enough equity in the house to sell it 1557 01:27:19.119 --> 01:27:22.640 and pay off the loan in a foreclosure sale. You see, 1558 01:27:22.920 --> 01:27:25.399 we got all out of We got all out of 1559 01:27:25.439 --> 01:27:29.800 shape one time during the big recession when people were 1560 01:27:29.840 --> 01:27:34.760 buying beyond appraised values and when banks were lending on 1561 01:27:34.920 --> 01:27:39.560 stupid numbers. So in almost every case there were deficiency 1562 01:27:39.680 --> 01:27:45.319 judgments against individuals. That's not happening anymore. So, Nate, if 1563 01:27:45.319 --> 01:27:47.640 you bought a house one hundred percent cash with this 1564 01:27:47.760 --> 01:27:51.840 st era, you would still make tremendous returns. But you 1565 01:27:51.880 --> 01:27:55.159 will make those same returns if you have a mortgage 1566 01:27:55.199 --> 01:28:00.439 on the house. So if the mortgage is one backed 1567 01:28:00.479 --> 01:28:04.439 up by the house, my question would be, why would 1568 01:28:04.520 --> 01:28:07.279 you tie up cash? So I'm going to ask you 1569 01:28:07.960 --> 01:28:10.119 why would you tie up cash to do it? 1570 01:28:13.039 --> 01:28:19.399 Well? Originally, my my philosophy was that one hundred percent 1571 01:28:19.880 --> 01:28:26.159 of of the foreclosures are own houses with mortgages. But 1572 01:28:26.399 --> 01:28:29.600 if it's never happened, if that's never right, well. 1573 01:28:29.520 --> 01:28:33.520 Hold on, Nate, Nate, Nate, First of all, a house 1574 01:28:33.560 --> 01:28:37.159 would be for let's just go right to that. Let's 1575 01:28:37.199 --> 01:28:41.600 say that you're going to go into vest Era and 1576 01:28:41.640 --> 01:28:44.359 you know the house is going to be foreclosed on. Okay, 1577 01:28:44.439 --> 01:28:47.199 for some reason, it was a bad deal and the house, 1578 01:28:47.319 --> 01:28:51.479 you know whatever. What I'm saying to you is that 1579 01:28:52.000 --> 01:28:56.279 what you what you said was kind of weird. You said, 1580 01:28:56.560 --> 01:29:01.199 there's never been Most foreclosures happen with loans on them. 1581 01:29:01.399 --> 01:29:04.239 That's the only way there can be a foreclosure is 1582 01:29:04.279 --> 01:29:09.199 a bad loan or a mechanics lean, or something that's unpaid. 1583 01:29:10.000 --> 01:29:12.119 But Nate, you have to understand something. 1584 01:29:13.119 --> 01:29:16.079 The house that I bought, for example, through Vesteria, this 1585 01:29:16.199 --> 01:29:19.760 most recent one that will be transferred to the LLC. 1586 01:29:20.720 --> 01:29:25.640 That house which came out of the gate appraising Yeah yeah, 1587 01:29:25.640 --> 01:29:29.399 I know. It came out of the gate appraising for 1588 01:29:29.479 --> 01:29:32.520 seven or eight thousand more than I bought it for. 1589 01:29:34.279 --> 01:29:37.680 And number two, they're already selling for more. Number three, 1590 01:29:38.560 --> 01:29:43.680 the loan is only seventy percent. What are the chances 1591 01:29:44.600 --> 01:29:47.920 that that house won't cover a bad loan? I mean, 1592 01:29:48.279 --> 01:29:51.239 what I'm saying to you is if you buy right, 1593 01:29:52.199 --> 01:29:56.840 if you buy correctly, and you do conventional financing. You 1594 01:29:56.880 --> 01:30:00.800 will almost never ever have to worry about it. The 1595 01:30:00.840 --> 01:30:04.159 house will always cover the loan. Otherwise banks would never 1596 01:30:04.199 --> 01:30:07.439 make a loan. Banks are in the business of winning, 1597 01:30:08.600 --> 01:30:14.479 and so the idea, the idea that a foreclosure ends 1598 01:30:14.600 --> 01:30:19.920 up with any personal liability is so ludicrous. We got 1599 01:30:20.560 --> 01:30:26.000 skewed on that we started believing that all foreclosures meant 1600 01:30:26.279 --> 01:30:34.199 financial judgments against borrowers, when really almost never does that happen. 1601 01:30:34.640 --> 01:30:38.000 We just got stewed for a weird few years in 1602 01:30:38.039 --> 01:30:40.920 the mid eighties where they were loan not mid eighties, 1603 01:30:41.159 --> 01:30:43.520 in the mid two thousand. From the mid from two 1604 01:30:43.560 --> 01:30:47.840 thousand and twenty ten, they were borrowing sometimes one hundred 1605 01:30:47.840 --> 01:30:49.960 and twenty five percent of what something was worth. 1606 01:30:51.359 --> 01:30:53.880 Think about that alone. 1607 01:30:54.439 --> 01:30:57.920 If you had one hundred thousand dollars home, the mortgage 1608 01:30:57.920 --> 01:31:00.840 you could get would be more than you could What 1609 01:31:00.920 --> 01:31:03.159 would be like is if you had a house worth 1610 01:31:03.199 --> 01:31:05.960 one hundred and twenty five thousand, It was ridiculous. So 1611 01:31:06.039 --> 01:31:10.439 what I'm saying is this, you only buy, You only 1612 01:31:10.640 --> 01:31:16.359 use loans when they're guaranteed. That's it, And then it 1613 01:31:16.399 --> 01:31:19.000 would be foolish not to use the loan. There would 1614 01:31:19.039 --> 01:31:23.239 be no reason, for example, in this case, it would 1615 01:31:23.239 --> 01:31:27.439 make not a dime more if we used the loan or. 1616 01:31:27.359 --> 01:31:28.439 If we used cash. 1617 01:31:29.119 --> 01:31:31.399 But you see, I do loans in a different way 1618 01:31:31.399 --> 01:31:35.479 than most people. I do loans when I have, first 1619 01:31:36.159 --> 01:31:41.359 the collateralized asset will cover the loan, and second I 1620 01:31:41.520 --> 01:31:45.920 have the loan balance personally squirreled away. So I have 1621 01:31:46.279 --> 01:31:50.239 a double redundancy double not double redundancy. But I have 1622 01:31:50.319 --> 01:31:53.840 redundancy and I can pay it off no matter what. 1623 01:31:55.279 --> 01:31:57.359 I'm Tom Martinez. We have more coming up. 1624 01:32:02.600 --> 01:32:05.840 Go with a sure thing Denver's best roofer Excel Roofing 1625 01:32:05.960 --> 01:32:08.600 dot com. You don't pay a cent until you're content. 1626 01:32:11.960 --> 01:32:15.159 Time for an insurance checkup free, no obligation. In comparison, 1627 01:32:15.279 --> 01:32:18.840 call Compass Insurance paying too much your coverage at dozens 1628 01:32:18.880 --> 01:32:21.600 of insurance companies find out now three oh three seven 1629 01:32:21.600 --> 01:32:23.960 to seven to one help. You'll think you're his only 1630 01:32:24.039 --> 01:32:26.520 customer when you choose Frank durand the real estate Man 1631 01:32:26.560 --> 01:32:29.960 dot com to list your home with Remax Alliance three 1632 01:32:30.039 --> 01:32:35.880 oh three nine two zero sixteen twenty two. Hello, I'm 1633 01:32:35.880 --> 01:32:40.000 Tom Marks. You know you're a troubleshooter. Three O three 1634 01:32:40.079 --> 01:32:41.840 seven one three talks seven one three eight, twenty five 1635 01:32:41.880 --> 01:32:45.159 to five. Barbara has a issue with a crawl space 1636 01:32:45.560 --> 01:32:47.920 in her home. Hey, Barbara, what's going on with the 1637 01:32:47.960 --> 01:32:48.680 crawl space? 1638 01:32:49.760 --> 01:32:53.439 Okay, the call space has been taken care of. I 1639 01:32:53.600 --> 01:32:57.840 had a routine maintenance done, and now that they did 1640 01:32:57.880 --> 01:33:00.680 the work, what I want to do is have it 1641 01:33:00.760 --> 01:33:03.399 inspected to make sure everything was taking care of that 1642 01:33:03.520 --> 01:33:04.640 was supposed to be taking care of. 1643 01:33:04.680 --> 01:33:09.119 Okay, now Barber's calling about Yeah, and you're calling about 1644 01:33:09.159 --> 01:33:11.880 a crawl space and there was some kind of. 1645 01:33:14.000 --> 01:33:16.760 Issues insects. 1646 01:33:16.960 --> 01:33:23.039 Yeah, exactly, exactly, And I believe that Deputy Bow was 1647 01:33:23.159 --> 01:33:29.359 spearheading this and I what do you want and what 1648 01:33:29.359 --> 01:33:31.560 can we do to allay your concern? What do you 1649 01:33:31.600 --> 01:33:32.840 want right now? Oh? 1650 01:33:32.960 --> 01:33:37.520 Okay, So now they say it's all right, everything's done 1651 01:33:38.159 --> 01:33:40.640 what I wanted to do. So they come in and 1652 01:33:40.720 --> 01:33:44.399 do an inspection to make sure that it was done correctly. 1653 01:33:44.319 --> 01:33:47.279 Like an official inspection you mean, or something? Or why 1654 01:33:47.279 --> 01:33:50.880 don't you believe Why don't you believe them? 1655 01:33:51.279 --> 01:33:54.239 Well, I've had issues with them before. 1656 01:33:55.000 --> 01:33:57.359 Yeah, but do you but do you spell anything? I mean, 1657 01:33:57.439 --> 01:33:59.600 what does it look like to you? What does it 1658 01:33:59.640 --> 01:34:01.039 look like to you on the surface? 1659 01:34:01.279 --> 01:34:03.760 Another thing is I can't go down there. I could 1660 01:34:03.760 --> 01:34:05.920 probably stick my head down there, but I can't go 1661 01:34:06.000 --> 01:34:11.319 down Oh. I see, so that's that's okay problem I have. Yeah, 1662 01:34:11.520 --> 01:34:13.960 I have health issues, so I can't. I can't go 1663 01:34:14.079 --> 01:34:14.920 down there anymore. 1664 01:34:17.800 --> 01:34:21.279 Okay, I'll have Deputy Bow contact you. Maybe he'll go 1665 01:34:21.319 --> 01:34:25.439 out and look, Oh, what part of town are you in? 1666 01:34:26.239 --> 01:34:27.600 Aurora, South Alora. 1667 01:34:29.279 --> 01:34:32.680 Okay, I'm gonna have Deputy Bow go out and take 1668 01:34:32.680 --> 01:34:35.159 a look at that, because he's been working with you. 1669 01:34:35.520 --> 01:34:38.079 He's pretty damn good at all that. He's been in 1670 01:34:38.119 --> 01:34:42.000 business a long time, he's been in the HVAC business. 1671 01:34:42.239 --> 01:34:45.000 But he can he can take a look at that Kashina. 1672 01:34:45.359 --> 01:34:47.279 Could we ask him to check with her because I 1673 01:34:47.279 --> 01:34:52.920 think he's been handling this case anyway from the start. Sure, somebody, Okay, 1674 01:34:52.960 --> 01:34:55.560 there's Patrick wants to give some props to Joe Lazara. 1675 01:34:55.920 --> 01:34:56.920 What the heck's going on? 1676 01:34:57.000 --> 01:34:57.239 Man? 1677 01:34:59.640 --> 01:35:03.279 Hey, I actually called you a couple of weeks ago 1678 01:35:03.359 --> 01:35:07.119 and you were like, yeah, you sound a little crazy, man. 1679 01:35:07.199 --> 01:35:10.279 But everyone gets their chance to be heard. So here's 1680 01:35:10.319 --> 01:35:14.039 my lawyer, and I just want to say thank you man, 1681 01:35:14.960 --> 01:35:18.000 Like I I can't Patrick, can. 1682 01:35:17.840 --> 01:35:18.399 You tell me? 1683 01:35:19.000 --> 01:35:19.439 Patrick? 1684 01:35:19.479 --> 01:35:21.880 Can you tell me what the original problem was. 1685 01:35:24.680 --> 01:35:30.159 It's I was arrested for fake warrant. 1686 01:35:32.039 --> 01:35:36.239 Omber remember this called D. 1687 01:35:37.720 --> 01:35:42.760 Yeah, that original call. So Patrick was arrested. But his 1688 01:35:42.880 --> 01:35:46.640 biggest problem than that was that while cleaning up a 1689 01:35:46.680 --> 01:35:49.960 neighborhood lake, Patrick ended up with a couple of crack 1690 01:35:50.079 --> 01:35:55.039 pipes and some baggies of alleged methamphetamines. That's right, and 1691 01:35:55.159 --> 01:35:58.279 so that's a much bigger problem than the warrant was. 1692 01:35:58.399 --> 01:36:00.840 So that's why he ended up getting refer to joelas Eara. 1693 01:36:01.079 --> 01:36:02.079 What did Joe have to say? 1694 01:36:02.319 --> 01:36:02.479 Yeah? 1695 01:36:02.520 --> 01:36:03.399 What what went on? 1696 01:36:05.279 --> 01:36:08.840 I just left his office. He sat down with me 1697 01:36:09.000 --> 01:36:14.079 and he showed him all my information and she kind 1698 01:36:14.119 --> 01:36:16.680 of looks at me, and he goes, well, you've already 1699 01:36:16.680 --> 01:36:20.000 been tried for this case, so you are correct and 1700 01:36:20.039 --> 01:36:22.960 you're not crazy. And then he gave me some other 1701 01:36:23.079 --> 01:36:27.039 legal tips on how to maneuver the system. But all 1702 01:36:27.079 --> 01:36:30.479 in all, he assured me that the paperwork I have 1703 01:36:30.720 --> 01:36:35.239 I'm looking at correctly, and I am dissecting in the 1704 01:36:35.319 --> 01:36:37.960 right run, and I just need to present. 1705 01:36:39.680 --> 01:36:45.119 And man, and he's put your mind at ease, right, oh, 1706 01:36:45.159 --> 01:36:49.159 one hundred, one hundred, Well, thank you for calling thank 1707 01:36:49.199 --> 01:36:52.079 you for calling Lazarai Legal la z z ar a 1708 01:36:52.279 --> 01:36:54.920 Lazari Legal. I tell you he's a good guy, down 1709 01:36:54.920 --> 01:36:56.960 to earth. He'll talk to you three oh three four 1710 01:36:57.319 --> 01:37:01.760 nine sixty two hundred and he'll do free initial consultations 1711 01:37:01.760 --> 01:37:02.840 in flat rate pricing. 1712 01:37:03.000 --> 01:37:04.560 Can we get him on the show sometimes? 1713 01:37:04.560 --> 01:37:06.760 Oh yeah, we try to get he's so damn busy 1714 01:37:06.760 --> 01:37:08.239 it's hard to get him on. Now, let me bring 1715 01:37:08.359 --> 01:37:13.199 up Barry Miller. So the guy called in asked about, Hey, 1716 01:37:13.239 --> 01:37:16.640 why don't you buy these houses cash and do it 1717 01:37:16.720 --> 01:37:20.399 cash instead of, you know, taking out a loan. And 1718 01:37:20.439 --> 01:37:23.800 I say, because it's better leveraged if you use a loan. 1719 01:37:24.399 --> 01:37:28.399 And you know, there's nothing wrong with loans on real 1720 01:37:28.520 --> 01:37:32.680 estate when they're done properly. I mean, the only time 1721 01:37:32.720 --> 01:37:36.319 we've ever had problems with loans and deficiencies were during 1722 01:37:36.359 --> 01:37:41.760 the Great Recession when they were loaning on fictitious values. So, Barry, 1723 01:37:41.800 --> 01:37:43.600 what did you want to add to that? Barry Miller 1724 01:37:43.680 --> 01:37:47.359 is the founder of Vestera Turnkey. Go ahead, Barry, Yeah, yeah. 1725 01:37:47.199 --> 01:37:49.720 Tom, thanks, Yeah, I was listening to Nate and yeah, 1726 01:37:50.640 --> 01:37:55.479 his thoughts were all interesting and good to bring out. 1727 01:37:55.880 --> 01:38:00.840 The however, is two things at Stara. We have a 1728 01:38:01.000 --> 01:38:05.760 preventative research department that is always looking for the strong 1729 01:38:06.119 --> 01:38:12.199 areas and the loans then can be in such a 1730 01:38:12.319 --> 01:38:16.079 strong position so the owner can gain so much money. 1731 01:38:16.319 --> 01:38:18.720 We don't just stop. You know, you buy the home 1732 01:38:18.760 --> 01:38:21.399 and then you're on your own. But but the other 1733 01:38:21.520 --> 01:38:26.720 point is this, mathematically, anyone's much better off putting twenty 1734 01:38:26.760 --> 01:38:31.520 five percent down and buying four very safe and secure 1735 01:38:31.640 --> 01:38:35.119 homes because you pointed out, well, the value is going 1736 01:38:35.199 --> 01:38:37.399 to go up, whether it's cash or with a loan. 1737 01:38:37.960 --> 01:38:41.000 Why not spread the money out like you said, leverage it. 1738 01:38:41.359 --> 01:38:45.960 But the mathematical facts are by four homes be just 1739 01:38:46.000 --> 01:38:51.720 as safe, have positive cash flow, and make four times 1740 01:38:51.760 --> 01:38:55.479 the kind of wealth that our customers at vest Era 1741 01:38:55.600 --> 01:38:56.159 are making. 1742 01:38:58.319 --> 01:39:02.880 You know, it's that simple. See here's the deal what 1743 01:39:03.079 --> 01:39:06.399 Barry is doing. And you have to know this. His 1744 01:39:06.600 --> 01:39:10.920 biggest value is in the buying of that home. Now, 1745 01:39:11.000 --> 01:39:14.079 obviously he helps you sell it too, and they negotiate 1746 01:39:14.119 --> 01:39:18.680 great deals. But his superpower is finding the best deals. 1747 01:39:19.199 --> 01:39:22.640 This house that I bought, they're already selling for more already, 1748 01:39:23.159 --> 01:39:25.800 and the appraisal in that just the time I've been 1749 01:39:25.880 --> 01:39:28.680 under contract has gone up like eight. 1750 01:39:28.520 --> 01:39:31.199 Grand, I mean, think about that. 1751 01:39:32.159 --> 01:39:32.359 Yep. 1752 01:39:34.119 --> 01:39:37.239 So I don't know how you do it, Barry, I'm serious. 1753 01:39:37.800 --> 01:39:42.479 You find great buys in great markets with great rents, 1754 01:39:43.119 --> 01:39:45.800 and you know when to sell them. I just want 1755 01:39:45.840 --> 01:39:48.720 to know this, This is what I think selfishly. How 1756 01:39:48.760 --> 01:39:51.399 long can this go on? Are there always going to 1757 01:39:51.439 --> 01:39:56.760 be pockets in the country worth buying? And I mean, really, 1758 01:39:57.319 --> 01:39:59.720 does it ever get to a point where there's really 1759 01:39:59.800 --> 01:40:02.119 no good buys, no good markets? 1760 01:40:02.159 --> 01:40:06.720 For upside, there are points in our country's time when 1761 01:40:07.319 --> 01:40:11.319 there are no markets that are worth buying with the 1762 01:40:11.399 --> 01:40:19.600 same viewpoint, but those times statistically happen once every sixty years. 1763 01:40:20.359 --> 01:40:22.359 That's been the history of our country. 1764 01:40:22.960 --> 01:40:25.920 And we've been stung here. We've been stung here in 1765 01:40:26.000 --> 01:40:31.279 Colorado in the mid eighties and then the beginning of 1766 01:40:31.319 --> 01:40:33.079 two thousand to twenty ten. 1767 01:40:33.680 --> 01:40:34.800 Yep, yep, yep. 1768 01:40:35.119 --> 01:40:35.920 It was terrible. 1769 01:40:36.840 --> 01:40:40.239 It was terrible. And yet what's good about us, Sarah. 1770 01:40:40.319 --> 01:40:45.000 We have the preventative research that points those things out 1771 01:40:45.239 --> 01:40:51.319 six to eighteen months before they become a real balloon 1772 01:40:51.640 --> 01:40:54.600 or a real problem for lots of people, and we 1773 01:40:54.640 --> 01:40:56.560 have our people sell beforehand. 1774 01:40:56.880 --> 01:41:04.159 Yeah, so let's plug while you're on Let's plug your seminar. 1775 01:41:05.600 --> 01:41:09.279 Oh sure, sure, Well, Tom and I a seminar. It's 1776 01:41:09.319 --> 01:41:13.920 a Vestera seminar Saturday, April fifth, at ten am in 1777 01:41:13.960 --> 01:41:18.720 the morning. It's free forty five minutes an hour and 1778 01:41:18.760 --> 01:41:21.479 a half, sorry, an hour and a half of great 1779 01:41:21.600 --> 01:41:26.079 information with Tom and Berry. We'll be covering how Vestera 1780 01:41:26.239 --> 01:41:31.640 works for you. Look, we have the proven program. Consumers 1781 01:41:31.760 --> 01:41:35.880 have the personal power of doing whatever they want to, 1782 01:41:35.960 --> 01:41:40.720 including nothing with their money. But this program points out 1783 01:41:40.800 --> 01:41:43.680 how you could have forty forty five fifty fifty five 1784 01:41:43.720 --> 01:41:48.600 percent returns and do it very safely. So an hour 1785 01:41:48.640 --> 01:41:51.039 and a half starting at ten am. You have to 1786 01:41:51.039 --> 01:41:54.520 have reservations, but it's easy. It's free. Just go to 1787 01:41:54.880 --> 01:42:02.039 My Biggest Return dot com www dot My Biggest Return 1788 01:42:02.159 --> 01:42:07.800 dot com and register. It's filling up. We're approaching being full. 1789 01:42:07.840 --> 01:42:09.800 Thank you sir. We have more coming right up. 1790 01:42:15.479 --> 01:42:18.720 Go with a sure thing Denver's best roofer Excel roofing 1791 01:42:18.840 --> 01:42:21.479 dot com. You don't pay a cent until you're content. 1792 01:42:24.840 --> 01:42:28.039 Time for an insurance check up free, no obligation comparison 1793 01:42:28.159 --> 01:42:31.720 call Compass Insurance. Pay too much your coverage at dozens 1794 01:42:31.760 --> 01:42:34.479 of insurance companies find out now three oh three seven 1795 01:42:34.600 --> 01:42:37.399 seven to one. Help. You'll think you're his only customer 1796 01:42:37.439 --> 01:42:39.680 when you choose Frank durand the real estate man dot 1797 01:42:39.720 --> 01:42:43.000 Com to list your home with Remax Alliance. Three oh 1798 01:42:43.079 --> 01:42:51.760 three nine two zero sixteen twenty two. Hi Tom Martino, 1799 01:42:53.560 --> 01:42:57.520 your troubleshooter three oh three seven one three talk three 1800 01:42:57.600 --> 01:43:04.600 oh three seven one three A two. Okay our calls. 1801 01:43:04.880 --> 01:43:07.560 We have open lines right now, So give us a 1802 01:43:07.600 --> 01:43:09.640 call at three h three seven one three talks seven 1803 01:43:09.640 --> 01:43:11.800 one three two five to five, and he gives me 1804 01:43:11.840 --> 01:43:13.840 a chance to address it. And then the show's been 1805 01:43:13.880 --> 01:43:18.119 going crazy since hour one, and there are some things 1806 01:43:18.119 --> 01:43:22.880 I want to talk about, and one has to do. 1807 01:43:23.239 --> 01:43:26.880 I did not mean if I was disrespectful that guy. 1808 01:43:26.920 --> 01:43:28.479 I didn't mean it. By the way, the guy told 1809 01:43:28.479 --> 01:43:30.920 all about his water heater. Okay, he wants to get 1810 01:43:30.960 --> 01:43:33.079 the word out. He owns a home with his ex wife. 1811 01:43:33.119 --> 01:43:35.840 His ex wife called the plumber. Applewood came out and 1812 01:43:35.840 --> 01:43:37.720 replaced the water heater for more than ten grand. 1813 01:43:37.760 --> 01:43:38.600 He is outraged. 1814 01:43:39.479 --> 01:43:43.319 They they he called them, and they reduced it by 1815 01:43:43.359 --> 01:43:47.960 two thousand. He still thinks it's overpriced. And he made 1816 01:43:48.000 --> 01:43:50.840 a comment, I'm in a professional trade group and I 1817 01:43:50.880 --> 01:43:53.279 know he said eighty percent of them I don't know 1818 01:43:53.399 --> 01:43:55.520 something I don't know, or at least three of them 1819 01:43:55.680 --> 01:43:59.079 could have done this for three thousand dollars. Now, I 1820 01:43:59.079 --> 01:44:01.479 don't doubt we can always find someone to do something 1821 01:44:01.520 --> 01:44:04.920 for less money or more money. But something that I 1822 01:44:04.960 --> 01:44:10.199 really want to address right now, pricing seems to be 1823 01:44:10.239 --> 01:44:13.880 outrageous for me too. I'm not telling you that I 1824 01:44:14.000 --> 01:44:16.279 like paying five grand or six or eight or ten 1825 01:44:16.760 --> 01:44:20.399 for a water heater. I think is ridiculous, but those 1826 01:44:20.399 --> 01:44:25.479 are the going prices. Companies have really really been bombarded 1827 01:44:25.560 --> 01:44:28.479 with what they have to do to stay in business, 1828 01:44:28.960 --> 01:44:30.760 and then they pass it on to the consumer. And 1829 01:44:30.800 --> 01:44:32.760 are they making more and more profit? Yeah, they are, 1830 01:44:32.920 --> 01:44:36.640 many of them are. Look, I can't address that. What 1831 01:44:36.720 --> 01:44:39.520 I care about is honesty and integrity. But I do 1832 01:44:39.560 --> 01:44:45.039 think there's a point of pricing, of price gouging. There is, 1833 01:44:45.600 --> 01:44:48.560 And I think what happens is because we're tossing up 1834 01:44:48.560 --> 01:44:52.800 our hands saying that's just the way it is. That 1835 01:44:52.960 --> 01:44:55.159 all of these people kind of like the airlines, when 1836 01:44:55.199 --> 01:44:57.000 all the rates go up, all the rates go up. 1837 01:44:57.239 --> 01:45:00.680 When they go down, they go down. All I'm saying 1838 01:45:00.760 --> 01:45:04.960 is is I do believe you have to shop. The 1839 01:45:05.199 --> 01:45:08.760 problem is many of them do not tell you prices 1840 01:45:08.800 --> 01:45:11.319 on the phone. But if they come to your home 1841 01:45:11.920 --> 01:45:14.920 and you don't like the price, you don't have to 1842 01:45:14.960 --> 01:45:17.880 go with it. You can call someone else. Now, my 1843 01:45:18.000 --> 01:45:20.239 people don't like that. They don't like wasting their time 1844 01:45:20.239 --> 01:45:24.520 and money, but you have to still do that. Everyone 1845 01:45:24.600 --> 01:45:27.279 gives you a price up front before the work is done. 1846 01:45:27.520 --> 01:45:31.000 If you're uncomfortable, don't do it. And what you should 1847 01:45:31.000 --> 01:45:35.479 do is research it before you need it, like before 1848 01:45:35.560 --> 01:45:37.920 you have to say yes or no before you call someone. 1849 01:45:38.279 --> 01:45:40.960 Then you'll know the price that they present you is 1850 01:45:41.000 --> 01:45:48.920 outrageous or not more coming up, go with a sure 1851 01:45:49.039 --> 01:45:52.640 thing Denver's Best Roofer Excelroofing dot com. You don't pay 1852 01:45:52.680 --> 01:45:58.800 a cent until you're content. Time for an insurance check 1853 01:45:58.880 --> 01:46:02.720 up free, no obligation. In comparison, call Compass Insurance paying 1854 01:46:02.760 --> 01:46:05.800 too much your coverage at dozens of insurance companies find 1855 01:46:05.800 --> 01:46:08.159 out Now three oh three seven seven to one help. 1856 01:46:08.319 --> 01:46:10.960 You'll think you're his only customer when you choose Frank 1857 01:46:11.039 --> 01:46:13.479 durand the real estate Man dot com to list your 1858 01:46:13.520 --> 01:46:16.680 home with Remax Alliance three oh three nine two zero 1859 01:46:16.760 --> 01:46:26.840 sixteen twenty two Yeah, ripped tod. 1860 01:46:25.439 --> 01:46:31.760 You need advis so you don't have come run insious. 1861 01:46:31.840 --> 01:46:37.119 As fast as we can, Shooter's gonna help come, man. 1862 01:46:37.840 --> 01:46:44.479 This is the Troubleshooter Show. No Tom Martino, Hello, Tom 1863 01:46:44.520 --> 01:46:48.399 Martino here fighting for you. Three oh three seven one 1864 01:46:48.479 --> 01:46:52.199 three talk seven one three A two five five. We 1865 01:46:52.319 --> 01:46:56.520 love helping where we can. We help people with all 1866 01:46:56.920 --> 01:47:00.600 kinds of problems, questions, and complain. So all you have 1867 01:47:00.640 --> 01:47:02.840 to do is give us a call and we'd be 1868 01:47:02.880 --> 01:47:06.960 happy to help you. Today, very many interesting calls. The 1869 01:47:07.039 --> 01:47:10.199 main theme, well, there hasn't been one main theme, but 1870 01:47:10.359 --> 01:47:12.720 there are a few things that have come up that 1871 01:47:12.760 --> 01:47:15.560 I want to talk about. One had the principle of 1872 01:47:16.039 --> 01:47:20.159 being in an accident and not agreeing with insurance companies. 1873 01:47:21.439 --> 01:47:22.960 You have to understand something. 1874 01:47:24.479 --> 01:47:30.359 When you are injured in an accident, whether they say 1875 01:47:30.359 --> 01:47:31.359 it's your fault or not. 1876 01:47:32.000 --> 01:47:33.520 Hire a personal injury attorney. 1877 01:47:33.600 --> 01:47:36.079 Okay, if you're truly injured, don't ever try to do 1878 01:47:36.119 --> 01:47:40.560 that alone. Start by calling John Fuller three all three 1879 01:47:40.600 --> 01:47:43.079 five nine seven forty five hundred, okay. 1880 01:47:43.239 --> 01:47:47.119 Then talk to them. The next thing you do. 1881 01:47:49.680 --> 01:47:54.720 Is you then try to figure out what your next 1882 01:47:54.760 --> 01:47:59.399 step is. Okay, but if you're not injured and you 1883 01:47:59.479 --> 01:48:02.520 have proper pretty damage, you're not going to hire an 1884 01:48:02.520 --> 01:48:03.159 attorney for that. 1885 01:48:03.680 --> 01:48:05.439 There's no car in the world you're going to hire 1886 01:48:05.479 --> 01:48:06.000 an attorney. 1887 01:48:06.399 --> 01:48:08.359 So if somebody rear ends you or hit you in 1888 01:48:08.399 --> 01:48:10.319 the side and they say you came up too fast 1889 01:48:10.399 --> 01:48:12.439 and I did that, so they're trying to blame you 1890 01:48:12.680 --> 01:48:15.560 for them hitting you. But you believe it's it's their 1891 01:48:15.600 --> 01:48:17.880 fault no matter what the police say, no matter what 1892 01:48:17.880 --> 01:48:21.399 anyone says. If you have evidence to the contrary, either 1893 01:48:22.760 --> 01:48:26.520 footage or some pictures you took, you can clearly see 1894 01:48:26.520 --> 01:48:29.760 it was a rear end collision and you you know, 1895 01:48:30.000 --> 01:48:32.720 and it's just your word against their word. You never 1896 01:48:32.800 --> 01:48:36.039 have to go by what their insurance says. So you say, no, 1897 01:48:36.159 --> 01:48:39.479 it's your fault. Now, if Joe Schmoe says it's not 1898 01:48:39.640 --> 01:48:43.119 my fault and you say it is, just sue Joe 1899 01:48:43.119 --> 01:48:46.840 Schmoe in small claims court. Don't worry about his insurance. 1900 01:48:48.199 --> 01:48:50.920 His insurance is going to call you and threaten you say, oh, well, 1901 01:48:51.039 --> 01:48:52.640 we're going to counter see it. We're gonna do this, 1902 01:48:52.760 --> 01:48:55.079 or we're gonna do that. It doesn't matter. You sue 1903 01:48:55.119 --> 01:48:57.760 that person. In small claims court. You hope you can 1904 01:48:57.800 --> 01:49:00.000 get a fixed for the seventy five hundred dollars limit. 1905 01:49:01.159 --> 01:49:02.399 You still see him even. 1906 01:49:02.239 --> 01:49:05.000 If you can't, because well, that will prompt Joe Schmo 1907 01:49:05.119 --> 01:49:07.880 to do and what he must do by law is 1908 01:49:08.000 --> 01:49:13.640 contact his insurance company, and then his insurance company must 1909 01:49:13.680 --> 01:49:17.680 by law represent him. So they're going to talk to 1910 01:49:17.720 --> 01:49:20.640 you about settlement. They're not going to ignore you, but 1911 01:49:20.880 --> 01:49:23.119 if it's less than you want, you go right back 1912 01:49:23.119 --> 01:49:26.159 to small claims court. So you never have to deal 1913 01:49:26.239 --> 01:49:31.079 with the other person's insurance company. Too many times we 1914 01:49:31.359 --> 01:49:36.279 feel we must talk to the other person's insurance company 1915 01:49:36.399 --> 01:49:39.359 if there is no law or regulation or anything that 1916 01:49:39.439 --> 01:49:43.000 says we must talk to them. Ever, if they call 1917 01:49:43.119 --> 01:49:47.319 us and say we want to question you about the accident, 1918 01:49:48.399 --> 01:49:52.720 you tell them put your questions in writing and I 1919 01:49:52.800 --> 01:49:58.159 will respond in writing. There you're not refusing, You're simply 1920 01:49:58.199 --> 01:50:00.920 telling them you're not going to be interviewed, because they 1921 01:50:00.960 --> 01:50:04.399 will purposely try to trip you up in a recording, 1922 01:50:04.800 --> 01:50:08.159 purposely so when it gets time to really fight this, 1923 01:50:08.560 --> 01:50:13.960 they will use that recording against you. Always never talk. 1924 01:50:14.000 --> 01:50:15.199 To an insurance company. 1925 01:50:15.560 --> 01:50:17.920 In fact, I say never even talk to your own 1926 01:50:17.920 --> 01:50:21.399 insurance company. What I tell my own insurance company is 1927 01:50:22.000 --> 01:50:29.319 submit here questions in writing. So that's a big deal. 1928 01:50:29.680 --> 01:50:33.279 We talk a lot about what to do when we're 1929 01:50:33.319 --> 01:50:36.479 in an accident. And as he said, she said, and 1930 01:50:36.520 --> 01:50:39.800 that's all the more reason you should have a dash can. 1931 01:50:40.199 --> 01:50:44.199 That dash can would show if Martha pressed on her 1932 01:50:44.239 --> 01:50:49.800 break too fast or something like that. Now, the next thing, 1933 01:50:52.319 --> 01:50:56.119 what about being charged ten grand for a water heater 1934 01:50:57.000 --> 01:51:00.000 or fifteen grand for a water heater, or being charged 1935 01:51:00.039 --> 01:51:06.479 urged whatever for whatever. You can't complain after what you can, 1936 01:51:06.880 --> 01:51:09.079 But it's not going to do you good to complain 1937 01:51:09.239 --> 01:51:13.039 after the work is done. You simply have to know 1938 01:51:14.039 --> 01:51:16.640 that there are going to be certain prices charged for 1939 01:51:16.720 --> 01:51:21.960 certain things. So do some research, even artificial intelligence, ask 1940 01:51:22.079 --> 01:51:25.800 them what is the reasonable cost or what's the average price? 1941 01:51:25.960 --> 01:51:28.640 I'm going to ask that. What I'm going to ask 1942 01:51:28.640 --> 01:51:34.840 that right now? What is the average price? Okay, for 1943 01:51:35.239 --> 01:51:38.640 a water heater, a fifty gallon water here, let's say 1944 01:51:38.680 --> 01:51:42.279 that for a fifty gallon water heater. This guy was 1945 01:51:42.359 --> 01:51:45.319 charged over ten grand or his wife was. I don't 1946 01:51:45.399 --> 01:51:47.920 mind him. I don't blame him for being upset. We 1947 01:51:47.960 --> 01:51:53.640 get upset because it's expensive. But unfortunately, these companies are 1948 01:51:53.760 --> 01:51:55.319 charging these outrageous numbers. 1949 01:51:55.840 --> 01:51:57.880 Apple Wood Plumbing, Heating, cooling, and Electric. 1950 01:51:58.159 --> 01:52:01.399 They're the most expensive company in town by far, the 1951 01:52:01.520 --> 01:52:05.560 number one most expensive company that I have found. So 1952 01:52:06.399 --> 01:52:09.399 am I saying they're bad? No? Am I saying you 1953 01:52:09.399 --> 01:52:10.239 should avoid them? 1954 01:52:10.279 --> 01:52:10.359 No? 1955 01:52:10.720 --> 01:52:13.359 But you know this, you're going to pay out the nose. 1956 01:52:13.840 --> 01:52:17.920 You know who else is expensive? Brothers is expensive? Yeah? 1957 01:52:17.960 --> 01:52:18.760 Are they bad? 1958 01:52:19.039 --> 01:52:22.760 No? Plumbline is not cheap. Fix it twenty four to seven. 1959 01:52:22.800 --> 01:52:26.239 They're more reasonable, but they're all going to be high priced. 1960 01:52:26.359 --> 01:52:29.319 These are companies. I like, Okay, what are you gonna 1961 01:52:29.359 --> 01:52:31.800 do about it? I mean, you're gonna find this all 1962 01:52:31.840 --> 01:52:34.319 the time. So what is the average price for a 1963 01:52:34.359 --> 01:52:45.039 fifty gallons water heater installed in Denver? Okay? So there, 1964 01:52:45.399 --> 01:52:47.239 I'm going to ask that question right now to see 1965 01:52:47.239 --> 01:52:54.840 what AI says the average price? Okay, Now, this is 1966 01:52:55.199 --> 01:52:57.520 the most outrageous thing I've ever heard of my life. 1967 01:52:59.000 --> 01:53:02.359 I mean, I can't even believe this, and I will 1968 01:53:02.399 --> 01:53:04.960 be disingenuous if I don't read it to you. I 1969 01:53:05.439 --> 01:53:08.800 absolutely there's not one company, not one that does this. 1970 01:53:09.279 --> 01:53:13.920 They say the average price for a fifty dollars. Water 1971 01:53:13.920 --> 01:53:21.439 heater including installation typically ranges from twelve hundred to twenty 1972 01:53:21.439 --> 01:53:26.359 five hundred dollars twelve to twenty five hundred dollars in 1973 01:53:26.399 --> 01:53:31.600 the Denver area. Now, I swear to God, listen to this. 1974 01:53:32.039 --> 01:53:36.840 Listen to what they say, real examples in Denver as 1975 01:53:36.880 --> 01:53:40.199 of twenty twenty five. You're not gonna believe what this says. 1976 01:53:41.199 --> 01:53:44.760 I swear to God, I'm not making this up. The exit. 1977 01:53:44.800 --> 01:53:48.720 The first example they give the get Applewood Plumbing. Here's 1978 01:53:48.760 --> 01:53:54.600 what they say. A fifty gallon AO Smith or Bradford 1979 01:53:54.680 --> 01:53:59.720 White at Applewood Plumbing is eighteen hundred to twenty two 1980 01:54:00.079 --> 01:54:05.520 hundred dollars and it includes upgraded parts and longer warranties. 1981 01:54:07.680 --> 01:54:13.760 Am I am? I dreaming this person called complaining about 1982 01:54:13.800 --> 01:54:20.600 Applewood plumbing and apple Wood Plumbing charged ten thousand dollars. 1983 01:54:22.600 --> 01:54:27.680 And right on, artificial intelligence, it's telling me that Applewood 1984 01:54:27.720 --> 01:54:33.960 is a real life example. Show me, I want to 1985 01:54:34.000 --> 01:54:37.119 know it says apple Wood. Show me proof, Show me 1986 01:54:37.279 --> 01:54:45.000 proof that apple Wood of Applewood pricing. Because I don't 1987 01:54:45.039 --> 01:54:48.640 understand how they can say that. This is the guy's 1988 01:54:48.680 --> 01:54:51.960 calling about apple Wood. And when I ask artificial intelligence, 1989 01:54:52.800 --> 01:54:56.039 who does it cheaper? They say apple Wood. It says 1990 01:54:56.079 --> 01:54:59.479 apple Wood Plumbing and Heating does not publicly list pricing 1991 01:54:59.760 --> 01:55:05.239 for water heater installations. However, various customary reports provide insight. 1992 01:55:06.119 --> 01:55:10.640 It said three thousand dollars for a fourteen year old 1993 01:55:10.640 --> 01:55:14.479 water heater to have that replaced with three thousand, thirteen 1994 01:55:14.600 --> 01:55:18.279 thousand dollars. In June of twenty twenty four, they were 1995 01:55:18.399 --> 01:55:24.319 charged thirteen thousand for a forty gallon water heater. Well, then, 1996 01:55:24.439 --> 01:55:26.840 why did you say that apple Wood does it for 1997 01:55:27.000 --> 01:55:30.239 twelve hundred to twenty two hundred. Then it says fifty 1998 01:55:30.319 --> 01:55:33.239 six ninety was an invoice for a forty gallon heater 1999 01:55:33.479 --> 01:55:38.319 in November of twenty twenty four. Okay, So artificial intelligence 2000 01:55:38.640 --> 01:55:44.399 is absolutely absolutely mistaken when it says that a typical 2001 01:55:44.439 --> 01:55:47.600 price for a water heater is between twelve. 2002 01:55:47.479 --> 01:55:49.039 And twenty five hundred dollars. 2003 01:55:49.720 --> 01:55:52.439 I don't think there's anywhere in the city you can 2004 01:55:52.479 --> 01:55:56.800 get a water heater installed fifty gallon for twenty five hundred. 2005 01:55:56.920 --> 01:56:01.920 I don't think there is. So I'm going to explore this. Harry, 2006 01:56:02.119 --> 01:56:04.439 you have a question about eviction. What is your question? 2007 01:56:06.399 --> 01:56:09.520 Yes, I have a deaf son and the deaf people 2008 01:56:09.560 --> 01:56:12.920 don't work in the same boarding that we do. 2009 01:56:13.960 --> 01:56:14.439 He was. 2010 01:56:14.600 --> 01:56:18.960 He refused to do a renewal elise because it was 2011 01:56:19.000 --> 01:56:23.000 too expensive, and he was given ninety days to get out. 2012 01:56:23.680 --> 01:56:25.720 I just found out about this about a month. 2013 01:56:25.560 --> 01:56:26.239 And a half ago. 2014 01:56:26.800 --> 01:56:27.560 I don't hold on. 2015 01:56:27.840 --> 01:56:30.800 When when was this? Hold on? When did hold on Harry? 2016 01:56:31.119 --> 01:56:34.760 When did he refuse to sign the relief? When did 2017 01:56:34.800 --> 01:56:36.520 he say I don't want to renew. 2018 01:56:38.039 --> 01:56:41.960 It must have been from January, because he had he 2019 01:56:42.039 --> 01:56:45.439 got a letter on January ninth. I think that said 2020 01:56:45.479 --> 01:56:48.119 he had not a days to get out, and they 2021 01:56:48.159 --> 01:56:53.760 gave him a date of the thirtieth of April. And okay, 2022 01:56:55.279 --> 01:56:57.479 all right, So I don't think I can get him 2023 01:56:57.520 --> 01:57:02.159 out by then, And so what recourse does the landlord 2024 01:57:02.319 --> 01:57:04.760 have if he's not out by that date? 2025 01:57:05.039 --> 01:57:08.439 Right now? Okay, all right, I'll tell you exactly what 2026 01:57:08.560 --> 01:57:11.920 that is. Hang on, I'm gonna go through it with detail. 2027 01:57:12.159 --> 01:57:20.760 Right after this, go with a sure thing Denver's Best 2028 01:57:20.840 --> 01:57:23.720 roofer Excel roofing dot com. You don't pay a cent 2029 01:57:23.920 --> 01:57:29.960 until you're content, wait time for an insurance checkup free, 2030 01:57:30.039 --> 01:57:33.800 no obligation. In comparison, call Compass insurance paying too much 2031 01:57:33.920 --> 01:57:36.880 your coverage at dozens of insurance companies. Find out now 2032 01:57:36.920 --> 01:57:39.199 three all three seven to seven to one help. You'll 2033 01:57:39.239 --> 01:57:41.960 think you're his only customer when you choose Frank durand 2034 01:57:41.960 --> 01:57:44.439 the real estate man dot com to list your home 2035 01:57:44.640 --> 01:57:47.800 with Remax Alliance three oh three nine two zero sixteen 2036 01:57:47.880 --> 01:57:55.399 twenty two. Hey, I'm Tom Martine, your troubleshooter three all 2037 01:57:55.439 --> 01:57:59.000 three seven on three talks seven on three eight two 2038 01:57:59.119 --> 01:58:01.840 five five me to our callers. 2039 01:58:01.399 --> 01:58:02.840 And continue this. 2040 01:58:03.199 --> 01:58:07.039 And by the way, don't forget K and H Home 2041 01:58:07.119 --> 01:58:10.199 Solutions for windows, siding, doors and more. K and H 2042 01:58:10.319 --> 01:58:15.399 has what you're looking for. K Windows dot com. Hey, So, 2043 01:58:16.439 --> 01:58:20.239 Harry said his son did not want to renew the lease, 2044 01:58:21.239 --> 01:58:25.640 so they gave him until April thirtieth to move out. Now, Harry, 2045 01:58:26.840 --> 01:58:30.079 your son you said, Did you say your son is death? 2046 01:58:31.520 --> 01:58:33.199 Yes? He is? 2047 01:58:33.680 --> 01:58:37.079 And tell me? May you tell may I ask you? 2048 01:58:37.520 --> 01:58:39.840 And I mean this sincerely? Why did you tell me 2049 01:58:39.960 --> 01:58:42.119 that part of the story. Does he get any kind 2050 01:58:42.159 --> 01:58:44.279 of special housing or anything. 2051 01:58:46.239 --> 01:58:46.319 Not? 2052 01:58:46.479 --> 01:58:50.920 At this time? His wife is suppose beginning SSDI, but 2053 01:58:51.439 --> 01:58:54.479 there's six months behind and they don't know why. But 2054 01:58:54.680 --> 01:58:58.279 that's that's not the story. I just I Basically, I 2055 01:58:58.560 --> 01:59:01.880 think I told you that they because the deaf people 2056 01:59:02.000 --> 01:59:04.920 live in a different world than us hearing people. You 2057 01:59:04.960 --> 01:59:07.920 and I are yeah, and we hear things that people 2058 01:59:08.000 --> 01:59:11.359 are talking about. They don't get that kind of information. 2059 01:59:11.880 --> 01:59:12.920 So I think they are. 2060 01:59:13.000 --> 01:59:16.439 You know what, You're right, You're right. I never think 2061 01:59:16.479 --> 01:59:19.079 about that. I never think about that. It is a 2062 01:59:19.119 --> 01:59:22.439 life of isolation, much of it because we get stuff, 2063 01:59:22.960 --> 01:59:27.239 just like you say, from our peripherals that they don't. 2064 01:59:27.840 --> 01:59:34.279 Right now, carry he had, yes, No. 2065 01:59:33.960 --> 01:59:36.640 No, okay, so real quick, I want to I want 2066 01:59:36.640 --> 01:59:39.920 to ask it. Tell you what they do. First and foremost, 2067 01:59:40.439 --> 01:59:43.920 if you can't make April thirtieth, it would be best 2068 01:59:44.359 --> 01:59:45.039 to tell them. 2069 01:59:45.119 --> 01:59:49.920 Now here's why. Okay. 2070 01:59:50.319 --> 01:59:53.479 Now, if they say, well, it doesn't matter, you still 2071 01:59:53.520 --> 01:59:54.680 have to be out. 2072 01:59:55.199 --> 01:59:57.000 And if you truly can't. 2073 01:59:56.760 --> 02:00:01.720 Harry, If you truly can't be out and they say 2074 02:00:01.760 --> 02:00:05.800 you must be out, there's nothing they can do to 2075 02:00:05.880 --> 02:00:10.239 get you out by then nothing. So if they go 2076 02:00:10.319 --> 02:00:13.520 through the eviction process, here's what would happen. 2077 02:00:14.159 --> 02:00:15.840 You would be given an conviction. 2078 02:00:16.000 --> 02:00:19.079 You can go to court, you can delay it, and 2079 02:00:19.119 --> 02:00:21.640 it will be a few weeks. It would be past 2080 02:00:21.720 --> 02:00:24.960 April thirtieth, by the time they get an eviction, go 2081 02:00:25.039 --> 02:00:28.680 to court, get an order, and then execute the order. 2082 02:00:29.239 --> 02:00:31.520 Then they would move your stuff out to the sidewalk. 2083 02:00:32.399 --> 02:00:36.279 That would be sooner. They would never be able to 2084 02:00:36.319 --> 02:00:40.319 do that before April thirtieth or on April thirtieth. Okay, 2085 02:00:41.479 --> 02:00:45.079 So what you do is do the best you can 2086 02:00:45.119 --> 02:00:47.920 as quick as you can. But when you say you 2087 02:00:47.960 --> 02:00:53.119 can't do it, I'm curious, when can you have him 2088 02:00:53.119 --> 02:00:53.600 out of there? 2089 02:00:55.279 --> 02:00:59.159 I really don't know, Tom, because he has a lot 2090 02:00:59.199 --> 02:01:02.399 of stuff. They have gotten rid of a lot of stuff. 2091 02:01:02.600 --> 02:01:03.680 And okay, but. 2092 02:01:03.760 --> 02:01:08.720 You, Harry, Harry carry, you have to give me an answer. 2093 02:01:09.640 --> 02:01:11.920 You have to give me an answer. When can you 2094 02:01:12.000 --> 02:01:12.800 have him out of there? 2095 02:01:20.279 --> 02:01:22.960 I'm trying. I can't give you a direct answer because 2096 02:01:23.119 --> 02:01:25.319 I don't know. I'm trying my damn this to get 2097 02:01:25.399 --> 02:01:28.279 him out. And Harry, right now. 2098 02:01:28.159 --> 02:01:31.359 Let me ask you this. I don't know what's listen. 2099 02:01:31.760 --> 02:01:33.880 I don't know when I say big, I don't know 2100 02:01:33.920 --> 02:01:36.279 what you think when I say small, I don't know 2101 02:01:36.319 --> 02:01:38.840 what you think. So here's what I'm trying to gather. 2102 02:01:39.399 --> 02:01:42.960 What chunk of time are we talking about? Are you saying, Tom, 2103 02:01:43.359 --> 02:01:45.600 it's gonna take me the rest of this year to 2104 02:01:45.640 --> 02:01:47.720 get him out of there. Or are you saying, Tom, 2105 02:01:48.039 --> 02:01:51.319 I just need another thirty days. What are you saying? 2106 02:01:53.000 --> 02:01:55.520 I think I could probably get him out with another 2107 02:01:55.600 --> 02:02:00.600 thirty days or so, I know, Like, Okay, if he 2108 02:02:00.640 --> 02:02:05.319 doesn't have a place he has he has a brother 2109 02:02:05.359 --> 02:02:07.359 in law that said they could stay with them for 2110 02:02:07.399 --> 02:02:10.840 a while, I would have to, Okay, furniture into a 2111 02:02:11.039 --> 02:02:13.960 storage area until he finds a place to live. 2112 02:02:15.359 --> 02:02:20.159 Okay, I got it. But your son and otherwise he works. 2113 02:02:20.479 --> 02:02:21.680 Your son works. 2114 02:02:22.720 --> 02:02:27.000 At this time. Now, that's another story along. But he 2115 02:02:27.239 --> 02:02:30.199 was fired from the job because he was deaf. But 2116 02:02:30.319 --> 02:02:34.279 the actual individual that fired and worked the paperwork around, 2117 02:02:34.359 --> 02:02:38.159 so there's no documentation about the reason he was fired, 2118 02:02:38.560 --> 02:02:41.479 and so there's no EEO complaint that can be made. 2119 02:02:41.960 --> 02:02:45.000 He is working now, he's got an interview for another 2120 02:02:45.159 --> 02:02:48.720 job and he's waiting for them to do a background 2121 02:02:48.760 --> 02:02:49.479 check right now. 2122 02:02:50.760 --> 02:02:52.079 Okay, what kind of job? 2123 02:02:53.560 --> 02:02:54.439 He's a truck driver? 2124 02:02:56.279 --> 02:02:58.199 Oh? Okay? 2125 02:02:58.960 --> 02:03:02.760 And does he so so he can he can carry 2126 02:03:02.840 --> 02:03:06.479 U a commercial Driver's license a CDL. 2127 02:03:06.760 --> 02:03:08.399 Yes, yes he does. 2128 02:03:08.439 --> 02:03:11.680 He hasn't I thought, and I thought you had to 2129 02:03:11.720 --> 02:03:16.159 have hearing for that. No, No, there are there are 2130 02:03:16.439 --> 02:03:21.600 thousands of deaf cdl over the road, truck drivers, there's. 2131 02:03:21.439 --> 02:03:24.920 A whole well, I didn't know that. I did not 2132 02:03:25.119 --> 02:03:25.560 know that. 2133 02:03:27.680 --> 02:03:29.920 Wow road for the past eight years. 2134 02:03:31.159 --> 02:03:38.600 So he does usually stay employed, yes, until he just well, 2135 02:03:38.720 --> 02:03:41.479 what what did you mean? What did you mean when 2136 02:03:41.520 --> 02:03:44.359 you said you thought it was because he was deaf? 2137 02:03:44.399 --> 02:03:47.119 He was fired from pref What happened to the previous job. 2138 02:03:48.840 --> 02:03:51.760 He came back from the job, they got a new supervisor. 2139 02:03:52.199 --> 02:03:55.159 The supervisor told him he didn't think it was safe 2140 02:03:55.439 --> 02:03:58.279 for a deaf person to drive over the road, and 2141 02:03:58.319 --> 02:04:01.399 he talked him in it. Just trying to retire, So 2142 02:04:01.600 --> 02:04:05.720 he was getting old, he should retire, and he listened 2143 02:04:05.720 --> 02:04:09.680 to the guy. And so instead of actually making him 2144 02:04:09.720 --> 02:04:14.640 fire him because a reason, he voluntarily quit and the 2145 02:04:14.720 --> 02:04:18.039 guy said that. And so there's no documentation as the 2146 02:04:18.119 --> 02:04:23.159 actual reason that he was fired that any documentation that 2147 02:04:23.239 --> 02:04:26.279 he never got anything about it would have said that 2148 02:04:26.359 --> 02:04:27.079 he retired. 2149 02:04:27.840 --> 02:04:32.159 So, yeah, how old is your son about that? How 2150 02:04:32.199 --> 02:04:33.000 old is your son? 2151 02:04:33.119 --> 02:04:37.880 Oh, jeez, I say, he's bomb You hit me man, 2152 02:04:37.920 --> 02:04:40.079 and my wife would tell you, but I can't. He 2153 02:04:40.239 --> 02:04:43.079 is probably he was born in the eighties, so he's 2154 02:04:43.119 --> 02:04:48.600 probably about the fifties. He's in his middle fifties, late fifties. 2155 02:04:48.640 --> 02:04:53.359 Maybe okay, all right, bro listen, call if you need anything. 2156 02:04:53.359 --> 02:04:56.039 But right now, I think he'll have plenty of time. 2157 02:04:57.680 --> 02:05:00.880 Well, see, I've been familiar with it, and that's what 2158 02:05:00.920 --> 02:05:02.720 I like you told me is what I had to 2159 02:05:02.720 --> 02:05:05.479 go through to a vict somebody. So when I told 2160 02:05:05.880 --> 02:05:09.239 today the landlord, I said, well, I said he they 2161 02:05:09.319 --> 02:05:11.960 may not be out. She says, well, that's okay, Yeah, 2162 02:05:11.960 --> 02:05:14.479 don't worry. He should be gone to be out. And 2163 02:05:14.560 --> 02:05:16.920 she didn't tell me, okay, And I know that they 2164 02:05:16.960 --> 02:05:19.439 have to post, they have to go to court, get 2165 02:05:19.479 --> 02:05:20.119 a court date. 2166 02:05:20.520 --> 02:05:25.520 Yes, right, you know you have plenty of time. You 2167 02:05:25.680 --> 02:05:28.880 just I wouldn't go. I would not go beyond thirty days. 2168 02:05:28.920 --> 02:05:30.479 And then you know you're going to have to pay 2169 02:05:30.520 --> 02:05:32.680 for that month as well. I got to take a break. 2170 02:05:32.720 --> 02:05:35.399 I'm Tom Martine three oh three seven one three talks 2171 02:05:35.399 --> 02:05:36.039 seven one three eight. 2172 02:05:36.000 --> 02:05:36.520 Two five fives. 2173 02:05:36.600 --> 02:05:39.159 I want to make a few things really clear. We 2174 02:05:39.159 --> 02:05:41.920 were talking about apple Woods pricing. We were talking about Brothers, 2175 02:05:41.920 --> 02:05:44.319 we were talking about fixed It. I talked about Plumbline, 2176 02:05:44.359 --> 02:05:49.680 I talked about other companies. These companies are superior and 2177 02:05:50.000 --> 02:05:53.319 I I just need to say this Apple would We 2178 02:05:53.439 --> 02:05:57.640 have never gotten a complaint about quality or honesty, or 2179 02:05:57.680 --> 02:06:05.680 integrity or actual products or services. Ever, the pricing issue 2180 02:06:06.359 --> 02:06:08.920 is sensitive to all of us as we are with 2181 02:06:09.000 --> 02:06:13.720 the price of eggs that goes for other great companies. 2182 02:06:13.760 --> 02:06:18.119 They're charging lots of money for certain things, not so 2183 02:06:18.199 --> 02:06:21.000 much for others. But I need to stress that to 2184 02:06:21.039 --> 02:06:26.239 you that when I talk about pricing, I'm not talking 2185 02:06:26.760 --> 02:06:32.359 about honesty. Honesty is a given with these companies, but 2186 02:06:32.439 --> 02:06:37.279 they charge what they charge. It's up to you to 2187 02:06:37.399 --> 02:06:40.520 do the shopping. And we're proud of our referral list 2188 02:06:41.039 --> 02:06:44.520 and all of the members. And in full disclosure, every 2189 02:06:44.520 --> 02:06:47.560 company I mentioned is on a referral list at referral 2190 02:06:47.560 --> 02:06:52.279 list dot com. Okay, Compass Insurance Group is on there too. 2191 02:06:52.319 --> 02:06:55.880 They do free insurance checkups, meaning they tell you if 2192 02:06:55.920 --> 02:07:00.159 you have good deals or not. Three h three nine 2193 02:07:00.000 --> 02:07:10.119 one thousand go with a sure thing Denver's Best Roofer 2194 02:07:10.239 --> 02:07:13.159 Excel roofing dot com. You don't pay a cent until 2195 02:07:13.159 --> 02:07:19.640 you're content time for an insurance checkup free no obligation. 2196 02:07:19.760 --> 02:07:23.640 Comparison call Compass Insurance paying too much your coverage at 2197 02:07:23.680 --> 02:07:26.399 dozens of insurance companies find out now three oh three 2198 02:07:26.560 --> 02:07:28.720 seven to seven to one help. You'll think you're his 2199 02:07:28.840 --> 02:07:31.479 only customer when you choose Frank durand the real estate 2200 02:07:31.520 --> 02:07:34.800 man dot com to list your home with Remax Alliance 2201 02:07:35.000 --> 02:07:40.760 three oh three nine two zero sixteen twenty two. Hi 2202 02:07:40.840 --> 02:07:43.239 Tom Martinez here three oh three seven one three talk 2203 02:07:44.239 --> 02:07:48.359 seven one three eight two five five. CMG Financial, by 2204 02:07:48.359 --> 02:07:53.039 the way, is doing reverse loans right now. So if 2205 02:07:53.039 --> 02:07:57.159 you need reverse loans CMG Financial talk to John for 2206 02:07:57.279 --> 02:08:01.840 reverse loans or the all in one, which is a 2207 02:08:01.880 --> 02:08:04.159 thirty year line of credit, and for every day you 2208 02:08:04.239 --> 02:08:06.560 have money in the bank, they give you credit on 2209 02:08:06.600 --> 02:08:08.920 your interest three zho three eight a two sixty six 2210 02:08:09.039 --> 02:08:12.640 seven nine eight a two sixty six seventy nine partner 2211 02:08:12.680 --> 02:08:16.640 in lending dot com. Deputy Bow has a follow up 2212 02:08:16.640 --> 02:08:18.439 on Peggy's house, and I'm going to tell you what happened. 2213 02:08:18.399 --> 02:08:21.319 Peggy called in today, but she had a terrible seward 2214 02:08:21.439 --> 02:08:24.079 smell in her apartment. No one could figure it out. 2215 02:08:24.119 --> 02:08:27.800 Bo went over there and he verified it and contacted authorities. 2216 02:08:27.840 --> 02:08:32.279 The Colorado Department of Health went out to investigate. We 2217 02:08:32.319 --> 02:08:36.279 were awaiting their findings, Pegy says By the way she's 2218 02:08:36.359 --> 02:08:39.920 moving anyway, but she can't find out what their findings were. 2219 02:08:40.239 --> 02:08:42.319 And I said, look, we're gonna have Bo check it 2220 02:08:42.319 --> 02:08:45.279 out because she wanted to know if they're doing anything 2221 02:08:45.359 --> 02:08:47.960 and what are they doing. So she was just puzzled. 2222 02:08:48.439 --> 02:08:50.239 So what did you find out? Bo? 2223 02:08:51.239 --> 02:08:54.159 So, yeah, she didn't finish this story. She might have 2224 02:08:54.199 --> 02:08:56.560 got a little nervous, but because of the involvement of 2225 02:08:56.680 --> 02:09:01.520 the Troubleshooter show and hitting these inspectors out, the management 2226 02:09:01.960 --> 02:09:06.760 of the Tamra and Hall apartments went to her because 2227 02:09:06.760 --> 02:09:10.239 of these people climbing around their building checking things out. 2228 02:09:10.800 --> 02:09:17.239 They offered to let her break her lease and they're 2229 02:09:17.279 --> 02:09:20.479 going to pay her moving expenses to go into a 2230 02:09:20.560 --> 02:09:24.479 brand new building they manage on twenty second in Valencia. 2231 02:09:24.880 --> 02:09:26.039 Well, that's great. 2232 02:09:26.880 --> 02:09:29.279 They're gonna let her out of the lease and they're 2233 02:09:29.279 --> 02:09:33.199 gonna pay her moving expenses and the public information. 2234 02:09:33.439 --> 02:09:35.600 Wow, I think. 2235 02:09:35.439 --> 02:09:37.800 It's really I think it's success. Even though we don't 2236 02:09:37.920 --> 02:09:40.439 know where the smell is coming from, She's able to 2237 02:09:40.439 --> 02:09:43.399 get out of there and the management company's paying for 2238 02:09:43.560 --> 02:09:45.319 it because of our involvement. 2239 02:09:46.239 --> 02:09:48.239 Well, I can't believe she left that part of the 2240 02:09:48.279 --> 02:09:48.920 story out. 2241 02:09:49.720 --> 02:09:51.840 I think she got a little nervous, you know, Tom, 2242 02:09:51.920 --> 02:09:57.520 she's very ill from this smell. She's sick. You know. 2243 02:09:58.359 --> 02:10:02.319 It's just a bad situation. And the public information officer 2244 02:10:02.479 --> 02:10:04.359 is going to call me as soon as they find 2245 02:10:04.399 --> 02:10:06.760 out where this odor is coming from, and I think 2246 02:10:06.760 --> 02:10:09.439 it's in other apartments, but she's the only one they 2247 02:10:09.479 --> 02:10:11.520 had the fortitude to call us about it. 2248 02:10:14.079 --> 02:10:16.920 So they're going to let her out of release and 2249 02:10:17.079 --> 02:10:20.920 pay her moving expenses to go to another building that 2250 02:10:20.960 --> 02:10:21.800 they manage. 2251 02:10:22.560 --> 02:10:25.760 And it's apparently a brand new building, a brand new build. 2252 02:10:27.760 --> 02:10:30.159 I think that's wonderful. Go ahead, d. 2253 02:10:30.439 --> 02:10:33.920 BO, how both first of all, congratulations and what a 2254 02:10:33.960 --> 02:10:37.000 great job you did for this lady. How quickly can 2255 02:10:37.039 --> 02:10:42.560 they get her out of there and away from the smell? Oh? 2256 02:10:42.600 --> 02:10:44.720 So like next week? 2257 02:10:45.039 --> 02:10:47.319 Yeah, like they're they're they're they're ready to move her now. 2258 02:10:47.560 --> 02:10:48.399 Fantastic. 2259 02:10:49.800 --> 02:10:50.439 Yeah, thank you. 2260 02:10:51.520 --> 02:10:53.880 Yeah, she's got to get rid of some stuff. But yeah, 2261 02:10:54.039 --> 02:10:57.159 it's within a couple of weeks, she's get the hell 2262 02:10:57.239 --> 02:10:57.720 out of there. 2263 02:10:59.159 --> 02:11:03.159 Okay, good, that's and that even deserves. 2264 02:11:04.279 --> 02:11:07.760 Yes Bo listen. 2265 02:11:08.039 --> 02:11:11.600 Also, just while I have you on, did we give 2266 02:11:11.600 --> 02:11:15.000 you something this morning? No? I gave that to D 2267 02:11:15.199 --> 02:11:17.520 on the okay, yeah, hold on to that. 2268 02:11:17.680 --> 02:11:18.079 Okay. 2269 02:11:18.239 --> 02:11:22.039 So thank you very much, appreciate that. Bow, really splendid job. 2270 02:11:22.760 --> 02:11:24.399 I did give you another one. I wanted you to 2271 02:11:24.399 --> 02:11:26.520 go out and check. Oh that was it. No, that 2272 02:11:26.640 --> 02:11:28.239 was it. That was the one. I said, Well, we'll 2273 02:11:28.239 --> 02:11:29.239 have Bow check it out. 2274 02:11:29.479 --> 02:11:29.840 Okay. 2275 02:11:29.880 --> 02:11:32.560 So she's going to be into a brand new building. 2276 02:11:32.560 --> 02:11:35.199 They're paying her moving expenses, they're letting her out of 2277 02:11:35.239 --> 02:11:41.000 the current lease. Great news. Now, earlier today, when I'm 2278 02:11:41.000 --> 02:11:44.079 talking about Deputy d here, we had a woman who 2279 02:11:44.119 --> 02:11:48.439 is very upset. She took her twenty eighteen gmc arcadia 2280 02:11:48.520 --> 02:11:53.359 to Accurate Auto and Northland Accurate installed a Jasper engine. 2281 02:11:53.720 --> 02:11:57.680 Now the rear main seal is leaking, and Accurate says 2282 02:11:57.840 --> 02:12:00.920 according to her, it's not part of the original warranty. 2283 02:12:01.000 --> 02:12:04.159 They're not doing anything about it. By the way, I 2284 02:12:04.239 --> 02:12:08.279 did find out that all Jasper rebills include brand new 2285 02:12:08.600 --> 02:12:14.000 rear seals. That's what somebody who deals with Jasper told me. Now, 2286 02:12:14.520 --> 02:12:16.640 what's new on this case, Deputy. 2287 02:12:16.920 --> 02:12:19.640 D well Tom to cut to the chase. The case 2288 02:12:19.760 --> 02:12:21.880 is closed, and here's. 2289 02:12:21.520 --> 02:12:23.800 Here's how I closed in a good way, I hope. 2290 02:12:24.479 --> 02:12:27.880 No, well, not so good for the call verse oh, 2291 02:12:28.039 --> 02:12:32.399 what happened, Alice. Alice immediately referred me to her son, Armando, 2292 02:12:32.479 --> 02:12:34.800 who's the gentleman. That's his car. He's the one that's 2293 02:12:34.800 --> 02:12:37.720 been dealing with Accurate Automotive. He gave me his side 2294 02:12:37.720 --> 02:12:40.479 of the story, and he also told me what he 2295 02:12:40.520 --> 02:12:43.399 found out from Jasper about their warranty and what parts 2296 02:12:43.399 --> 02:12:43.760 are covered. 2297 02:12:43.960 --> 02:12:47.319 Well, tell me tell me about how so why is this? 2298 02:12:48.119 --> 02:12:50.439 Are they acknowledging they should do the seal? 2299 02:12:50.720 --> 02:12:54.199 No? So, first of all, Accurate Automotive is totally in 2300 02:12:54.239 --> 02:12:55.079 the clear on this. 2301 02:12:56.319 --> 02:12:58.840 Very long okay, but why if they did? If they 2302 02:12:58.880 --> 02:13:01.520 did the Jasper engine, just tell me if I'm wrong. 2303 02:13:01.960 --> 02:13:04.199 Does a Jasper engine come with a new seal? 2304 02:13:04.600 --> 02:13:07.239 No, you're right about that. The problem is that Alice 2305 02:13:07.239 --> 02:13:10.279 and Armando are mistaken. It's not a Jasper engine. After all, 2306 02:13:10.720 --> 02:13:15.439 it came from some other rebuilder, and this particular rebuilder 2307 02:13:16.079 --> 02:13:19.600 doesn't warranty the rear. Well, not only does it. Let 2308 02:13:19.640 --> 02:13:21.199 me let me backtrack a little bit. It came from 2309 02:13:21.199 --> 02:13:24.960 another rebuilder. But I had an extensive conversation with Alex 2310 02:13:25.000 --> 02:13:27.840 who's the owner of Accurate Automotive, and he said that 2311 02:13:27.880 --> 02:13:31.880 in this particular car, this particular Arcadia. The rear main 2312 02:13:31.960 --> 02:13:34.560 seal is not in the engine. It's it's part of 2313 02:13:34.600 --> 02:13:39.199 some module that goes between the engine and the transmission sould. 2314 02:13:40.680 --> 02:13:41.720 But I didn't know about that. 2315 02:13:41.760 --> 02:13:43.760 But I didn't know what the hell I was talking about, right, 2316 02:13:43.880 --> 02:13:46.239 because most of them are in the transit most. 2317 02:13:46.039 --> 02:13:48.960 Of them are, but in this particular engine, it's in 2318 02:13:49.000 --> 02:13:53.279 some module outside of the engine. So what Alex told 2319 02:13:53.319 --> 02:13:57.880 me is that this car has a lot more problems 2320 02:13:58.119 --> 02:14:00.640 than the rear main seal, which is only one of them. 2321 02:14:01.159 --> 02:14:04.680 It also has a front crank seal that keeps blowing 2322 02:14:04.760 --> 02:14:09.840 out that is covered by Accurate Automotive's own warranty, and 2323 02:14:09.880 --> 02:14:12.479 they're willing to make that repair again. They made that 2324 02:14:12.520 --> 02:14:16.439 repair once it failed because the rear main is still defective, 2325 02:14:17.199 --> 02:14:20.159 and they're willing to make this warranty repair again, provided 2326 02:14:20.239 --> 02:14:25.399 the Romando has the rear main seal repaired at his expense. 2327 02:14:26.239 --> 02:14:29.640 And also there are other problems. For example, there's a 2328 02:14:29.720 --> 02:14:30.840 leaking fuel pump. 2329 02:14:31.039 --> 02:14:32.640 Okay, so let me get a shot. 2330 02:14:32.680 --> 02:14:34.159 I want I want to I'm gonna recap this. 2331 02:14:34.319 --> 02:14:38.399 Yeah, so peeps, he's saying in this twenty eighteen GMC Arcadia, 2332 02:14:38.560 --> 02:14:41.079 by the way, get Kevin Calkin on. I want to 2333 02:14:41.079 --> 02:14:42.800 get him on before the end of the show at 2334 02:14:44.039 --> 02:14:44.760 Sheridan and all. 2335 02:14:44.760 --> 02:14:46.640 Just a twelve. It's a twenty twelve GMS. 2336 02:14:46.760 --> 02:14:51.279 I'm sorry, a twenty twelve. And what they're saying is 2337 02:14:51.319 --> 02:14:54.439 that the rear main seal is not part of the engine, 2338 02:14:54.439 --> 02:14:59.119 but a separate unit that marries the transmission to the engine. 2339 02:14:59.319 --> 02:15:02.560 And that's going to US five grand to fix the total. 2340 02:15:02.880 --> 02:15:07.039 So no, not that alone. There's a list of other 2341 02:15:07.119 --> 02:15:10.079 mandatory repairs that really need to happen to this engine 2342 02:15:10.119 --> 02:15:11.760 in order to maintain its warranty. 2343 02:15:11.960 --> 02:15:14.720 But it wasn't part of the that the engine. 2344 02:15:14.399 --> 02:15:18.439 Forty seven hundred or parsionally five thousand dollars repair includes 2345 02:15:18.439 --> 02:15:21.960 the rearmain seal, plus these other repairs that must be done. 2346 02:15:22.119 --> 02:15:23.800 But why didn't they tell them that when they had 2347 02:15:23.800 --> 02:15:26.920 their engine done? Tell him what that they need all 2348 02:15:26.920 --> 02:15:27.600 this other work? 2349 02:15:27.680 --> 02:15:30.039 So they did so this car. 2350 02:15:30.199 --> 02:15:33.079 So you mean to tell me that all totaled these 2351 02:15:33.119 --> 02:15:36.439 people needed when they drove in more than ten thousand 2352 02:15:36.520 --> 02:15:37.439 dollars in repairs. 2353 02:15:37.960 --> 02:15:40.399 Now I think you and I must have parted waste. 2354 02:15:40.640 --> 02:15:44.359 Okay, story, the original engine was five grand approximately. Okay, 2355 02:15:44.600 --> 02:15:46.760 the new work they have is ten grand. That's five 2356 02:15:46.800 --> 02:15:49.199 and five is ten new work is not is not 2357 02:15:49.319 --> 02:15:53.479 ten grand, it's five grands. That's five plus five equals ten. 2358 02:15:53.600 --> 02:15:55.039 Correct, So that's what I said. 2359 02:15:55.119 --> 02:15:58.680 Yes, that she needs ten thousands, so driving into that shop, 2360 02:15:58.720 --> 02:16:02.319 originally that car needed ten thousand dollars. 2361 02:16:02.640 --> 02:16:05.600 I hate to disagree with you, but no at the beginning, 2362 02:16:05.720 --> 02:16:07.359 so this was two and a half years ago. 2363 02:16:07.560 --> 02:16:09.840 This oh my god, Oh it was two and a 2364 02:16:09.880 --> 02:16:10.560 half years. 2365 02:16:10.600 --> 02:16:12.840 That was absent from the original callers story. 2366 02:16:12.960 --> 02:16:14.479 Two and a half years. Okay, so I gotta take 2367 02:16:14.520 --> 02:16:16.119 a break. We'll come back for more of this. I'm 2368 02:16:16.159 --> 02:16:20.399 Tom Martino. Go with a sure thing, Denver's best roofer 2369 02:16:20.520 --> 02:16:23.399 Excel Roofing dot com. You don't pay a cent until 2370 02:16:23.439 --> 02:16:29.880 you're content. Time for an insurance checkup, free, no obligation 2371 02:16:30.039 --> 02:16:33.879 comparison call Compass Insurance paying too much your coverage at 2372 02:16:33.920 --> 02:16:36.639 dozens of insurance companies find out now three oh three 2373 02:16:36.840 --> 02:16:38.959 seven to seven to one help. You'll think you're his 2374 02:16:39.120 --> 02:16:41.760 only customer when you choose Frank durand the real estate 2375 02:16:41.799 --> 02:16:45.040 Man dot com to list your home with Remax Alliance 2376 02:16:45.280 --> 02:16:50.559 three oh three nine two zero sixteen twenty two all right, 2377 02:16:50.600 --> 02:16:53.799 I'm Tom Martino. I finally got a handle on this problem, 2378 02:16:54.159 --> 02:16:57.360 and it makes complete sense. Her son Armando took a 2379 02:16:57.399 --> 02:17:01.600 twenty twelve Arcadia to accurate two and a half years ago. 2380 02:17:02.399 --> 02:17:05.079 They did the engine, a rebuilt engine two and a 2381 02:17:05.120 --> 02:17:09.360 half years ago. Since then, it developed a rearmain seal. 2382 02:17:09.840 --> 02:17:13.799 It's still under warranty. But that rearmain seal in that 2383 02:17:13.959 --> 02:17:17.360 engine is not part of the engine, and I brought 2384 02:17:17.399 --> 02:17:20.040 up I want to verify that with Kevin Colkin. Kevin, 2385 02:17:20.840 --> 02:17:23.520 they're saying, this is not like the engines where the 2386 02:17:23.559 --> 02:17:26.440 rearmain seal is tucked into the back of it. This 2387 02:17:26.680 --> 02:17:29.840 is a separate unit between the transmission and the engine. 2388 02:17:29.879 --> 02:17:30.479 Is that true? 2389 02:17:31.399 --> 02:17:33.799 Well, yes and no. I mean depending on the reman 2390 02:17:33.879 --> 02:17:36.399 A lot of the remands we have come installed with 2391 02:17:36.440 --> 02:17:38.559 the remained seal, so it would be part of the warranty. 2392 02:17:40.079 --> 02:17:43.120 But would it be on a twenty twelve GMC Arcadia. 2393 02:17:44.040 --> 02:17:47.000 Yeah, more than likely the remain seal comes. Okay, you're 2394 02:17:47.000 --> 02:17:49.719 pretty installed. It's not something we installed before we put 2395 02:17:49.719 --> 02:17:49.920 it in. 2396 02:17:52.079 --> 02:17:52.479 Okay. 2397 02:17:52.799 --> 02:17:56.399 They said it wasn't part of the original installation. Okay, 2398 02:17:56.840 --> 02:17:58.879 and whether I don't know if that's true. Or not 2399 02:17:59.000 --> 02:18:02.000 or what they're talking about. But what they're saying is 2400 02:18:02.000 --> 02:18:03.920 is that they did an engine two and a half 2401 02:18:04.000 --> 02:18:07.239 years ago. Now they come back with a rearmain seal. 2402 02:18:08.040 --> 02:18:11.120 Would you expect that to be covered under a used 2403 02:18:11.120 --> 02:18:14.319 engine if excuse me, under a remanned engine, if it 2404 02:18:14.360 --> 02:18:15.639 was done two and a half years ago. 2405 02:18:16.600 --> 02:18:18.440 Well, yeah, the ones we install have a three year 2406 02:18:18.479 --> 02:18:20.600 unlimited mile so it would definitely be covered. 2407 02:18:20.680 --> 02:18:25.040 Yes. But would the rearmain seal be carvered as part 2408 02:18:25.040 --> 02:18:25.479 of it. 2409 02:18:26.280 --> 02:18:27.079 Yes, it would. 2410 02:18:28.200 --> 02:18:30.680 But I think that Kevin, I think the part that 2411 02:18:30.719 --> 02:18:33.399 you that I think we haven't told you yet is, 2412 02:18:33.840 --> 02:18:37.799 according to the shop, in this particular car, this particular engine, 2413 02:18:38.120 --> 02:18:41.600 the rearmain seal sits in some sort of a module. 2414 02:18:41.680 --> 02:18:42.399 I told them that. 2415 02:18:42.280 --> 02:18:45.280 That's in between the engine and the transmission. But Kevin said, 2416 02:18:45.319 --> 02:18:47.920 and when the rebuilt engine showed up, it doesn't come 2417 02:18:47.959 --> 02:18:50.920 with that module. They had to reuse the old modules. 2418 02:18:51.200 --> 02:18:54.520 But if it did come with it, then yes, see. 2419 02:18:54.399 --> 02:18:57.879 Okay, See, well they are saying that the engine that 2420 02:18:57.920 --> 02:19:01.959 they charged them for did not include that intermediary peace. 2421 02:19:03.360 --> 02:19:07.280 They reuse the existing intermediary structure between the engines. 2422 02:19:06.959 --> 02:19:10.079 Because they didn't want to increase the cost, so they said. 2423 02:19:10.120 --> 02:19:13.239 Then after that they said, this happens two and a 2424 02:19:13.280 --> 02:19:16.559 half years later. So is it drivable right now? 2425 02:19:16.639 --> 02:19:19.200 Well, it's drivable, but you're they're doing a lot of 2426 02:19:19.280 --> 02:19:20.760 damage to it while driving it. 2427 02:19:21.520 --> 02:19:23.399 Like, I'd like Kevin to see if it is a 2428 02:19:23.440 --> 02:19:25.239 separate unit. That's all I want to, says. 2429 02:19:25.040 --> 02:19:27.680 A good idea, just to see if and ask you 2430 02:19:27.799 --> 02:19:28.959 to make an appointment with Kevin. 2431 02:19:29.159 --> 02:19:31.639 Yeah, I'd like Kevin to just eyeball it and say, yeah, 2432 02:19:31.719 --> 02:19:33.159 that is a separate unit or not. 2433 02:19:33.319 --> 02:19:34.520 I'll right now. 2434 02:19:34.680 --> 02:19:37.280 Yeah, thank you, Kevin. Mike, what's going on with you? Mike? 2435 02:19:37.319 --> 02:19:38.799 What are you calling about? 2436 02:19:41.120 --> 02:19:43.840 I'm calling about the Great Horror Payback and I'm wondering 2437 02:19:43.840 --> 02:19:44.680 if you have any age? 2438 02:19:44.760 --> 02:19:49.639 Yeah, yeah, well no, but what do you need specific? 2439 02:19:49.680 --> 02:19:50.760 Tell me what's going on. 2440 02:19:53.159 --> 02:19:56.440 Situations this. I looked at the Great Caller at a payback. 2441 02:19:56.920 --> 02:19:59.840 My dad's name is on there. He said, three dollars 2442 02:20:00.040 --> 02:20:04.200 from a company he passed in nineteen ninety six. So 2443 02:20:04.280 --> 02:20:09.399 the estate is absolutely closed. Called Great Colorado Payback and 2444 02:20:09.399 --> 02:20:11.520 they wanted a claim form and a copy of the 2445 02:20:11.559 --> 02:20:15.559 desert certificate. I uploaded that to them. 2446 02:20:16.159 --> 02:20:19.559 They came back, did you tell me, wait a minute, wait, wait, wait, 2447 02:20:19.760 --> 02:20:23.120 I need to verify this mic. Did you say it's 2448 02:20:23.200 --> 02:20:27.879 for three three dollars one two three dollars. 2449 02:20:28.479 --> 02:20:32.360 Three dollars and tell me didn't. 2450 02:20:32.079 --> 02:20:36.600 You spend more than three dollars? How important is this 2451 02:20:36.680 --> 02:20:37.799 three dollars to you? Bro? 2452 02:20:39.319 --> 02:20:42.559 It's not it's not, And I'm more than willing to 2453 02:20:42.680 --> 02:20:46.600 take up server space on the State of Colorado's server 2454 02:20:47.040 --> 02:20:50.559 to prove a point. So they came back and said. 2455 02:20:50.399 --> 02:20:52.799 All right, I want to get you back on listen 2456 02:20:53.319 --> 02:20:55.200 now that I know, Now that I know you're not 2457 02:20:55.280 --> 02:20:58.159 a nut and you're just crusading, I want to get 2458 02:20:58.200 --> 02:20:59.879 you back on the show tomorrow. But we're out of 2459 02:20:59.879 --> 02:21:03.159 time right now, so please do that. Three O three 2460 02:21:03.280 --> 02:21:05.239 seven one three talks I remember, But call three oh 2461 02:21:05.319 --> 02:21:08.079 three Martino for the next show and we'll get you on. 2462 02:21:08.120 --> 02:21:10.319 That's three O three six two seven eight four sixty 2463 02:21:10.360 --> 02:21:10.600 six