WEBVTT 1 00:00:00.560 --> 00:00:06.040 Yeah'll ripped up. 2 00:00:07.519 --> 00:00:08.240 News. 3 00:00:08.759 --> 00:00:10.800 You need advice? Who you don't help. 4 00:00:12.800 --> 00:00:17.440 Come run inches as as as a cam shooter's gonna 5 00:00:17.519 --> 00:00:22.120 help come Man Dix is the Troubleshooter Show. 6 00:00:22.760 --> 00:00:26.760 No Tom Martino, kello. 7 00:00:26.679 --> 00:00:29.160 Tom Martino here, Welcome to the show. Three oh three 8 00:00:29.399 --> 00:00:32.560 seven one three talk seven one three eight two five five. 9 00:00:33.520 --> 00:00:36.039 Now the three oh three Martino number is probably the 10 00:00:36.079 --> 00:00:38.799 most important one. Ones you can spread around, You can 11 00:00:38.799 --> 00:00:40.960 put out anywhere. 12 00:00:40.600 --> 00:00:41.679 For people that want help. 13 00:00:41.719 --> 00:00:44.159 If you ever hear somebody complaining about something, give us 14 00:00:44.200 --> 00:00:47.079 a call at three oh three Martino. If you leave 15 00:00:47.159 --> 00:00:49.320 a message anytime, day or night, we'll get. 16 00:00:49.200 --> 00:00:50.960 Back to you on that. 17 00:00:50.960 --> 00:00:53.240 That's three oh three six two seven eight four sixty 18 00:00:53.240 --> 00:00:58.520 six three oh three Martino. Now, as we do every day, 19 00:00:58.520 --> 00:01:01.359 we try to solve your problems, answer questions, take your complaints, 20 00:01:02.600 --> 00:01:04.359 and I should mention how you get in touch with us. 21 00:01:04.599 --> 00:01:10.840 You know, on YouTube, we have what I call my 22 00:01:10.879 --> 00:01:13.680 YouTube morons. They're the streaming audience, and then a lot 23 00:01:13.760 --> 00:01:17.079 of people download it. More people download the show monthly 24 00:01:17.159 --> 00:01:20.920 than stream it. And then we also we have live streamers, 25 00:01:20.920 --> 00:01:23.239 We have downloaders, then we have a radio audience, and 26 00:01:23.319 --> 00:01:26.159 of course we do have some Facebook flunkies, and we 27 00:01:26.239 --> 00:01:27.840 have other people who find us. 28 00:01:28.159 --> 00:01:29.599 So here's the deal. 29 00:01:30.480 --> 00:01:34.040 These are all places for feedback, and you can also 30 00:01:34.079 --> 00:01:36.719 get help through those places. You can also get help 31 00:01:36.760 --> 00:01:40.640 through nextdoor if you message me or any social medium. Okay, 32 00:01:41.040 --> 00:01:45.799 and you can text my personal This goes to my 33 00:01:45.840 --> 00:01:48.480 cell phone, folks, I'm not kidding. The only reason I 34 00:01:48.519 --> 00:01:50.239 did it through a Google number so I can turn 35 00:01:50.280 --> 00:01:53.159 it on and off. But I will get your text 36 00:01:53.200 --> 00:01:55.879 So if you have a problem, it's not going to 37 00:01:55.959 --> 00:02:00.680 go through a staff member. I will give to somebody 38 00:02:00.719 --> 00:02:03.640 maybe to help me with, but it'll come to me directly. 39 00:02:03.719 --> 00:02:08.360 You can text my Google number and it's direct, it's mine, 40 00:02:08.479 --> 00:02:11.639 it's private. Well it's not private anymore, but you can 41 00:02:11.680 --> 00:02:18.599 do this number. It's seven four seven nine nine fifty 42 00:02:18.680 --> 00:02:23.039 two eighty. Do you want to remember that it's I 43 00:02:23.159 --> 00:02:27.560 like airplanes. Seven four seven nine nine nine is just 44 00:02:27.599 --> 00:02:30.800 because I couldn't do ten ten ten and I wanted 45 00:02:30.840 --> 00:02:33.120 to be perfection. And then fifty two eighty is the 46 00:02:33.240 --> 00:02:35.759 mile high city. Seven four seven. 47 00:02:35.639 --> 00:02:37.120 Nine nine nine fifty two eighty. 48 00:02:37.560 --> 00:02:40.520 That is a real working number comes to my cell phone. 49 00:02:40.599 --> 00:02:42.840 I get all of your texts directly. We also have 50 00:02:43.199 --> 00:02:47.080 the iHeart texting app which is five seven seven three nine, 51 00:02:47.439 --> 00:02:49.560 and you can text me at any time five seven 52 00:02:49.639 --> 00:02:52.719 seven three nine, just put Tom in the subject line, 53 00:02:52.759 --> 00:02:54.919 and then of course you message me through YouTube. I 54 00:02:54.960 --> 00:03:00.479 get it immediately, and I want to do something. I 55 00:03:00.520 --> 00:03:03.199 know we have fun on YouTube, and a lot of 56 00:03:03.240 --> 00:03:05.759 times what we do with YouTube is we use it to. 57 00:03:06.039 --> 00:03:07.360 Really actually for fun. 58 00:03:07.479 --> 00:03:09.080 I mean a lot of times it's a whole different 59 00:03:09.080 --> 00:03:11.199 show going on on YouTube. 60 00:03:11.520 --> 00:03:12.479 But what I'd like to. 61 00:03:12.360 --> 00:03:15.199 Do with YouTube, I mean not just this. Of course, 62 00:03:15.240 --> 00:03:18.240 you guys can, we can discuss anything you want. But 63 00:03:18.319 --> 00:03:23.919 what I would like to do is have instant comments 64 00:03:23.960 --> 00:03:27.479 on callers. Now you do that anyway, but I want 65 00:03:27.520 --> 00:03:30.840 to get a handle, an instant handle on your impression 66 00:03:30.919 --> 00:03:33.360 of calls or problems. I promise you I'm going to 67 00:03:33.439 --> 00:03:36.719 take it seriously. Now, obviously you all have your jokes 68 00:03:37.280 --> 00:03:40.479 like end this call, or my god, I'm dying here, 69 00:03:40.680 --> 00:03:43.960 or this person's moron whatever. I don't mind that, but 70 00:03:44.000 --> 00:03:46.879 if you have any serious comments, you make them here. 71 00:03:46.879 --> 00:03:50.479 I'm going to try to incorporate that during the call. 72 00:03:50.759 --> 00:03:53.159 There's nothing like live feedback. 73 00:03:52.719 --> 00:03:53.520 During the call. 74 00:03:53.800 --> 00:03:56.840 And of course you can also text me, so remember 75 00:03:56.879 --> 00:03:59.439 that five seven seven three nine through iHeart or you 76 00:03:59.439 --> 00:04:03.400 can go seven four seven, nine nine nine fifty two eighty. 77 00:04:03.599 --> 00:04:05.479 I'm just trying to give you as many places as 78 00:04:05.520 --> 00:04:06.599 possible to get through to me. 79 00:04:07.560 --> 00:04:08.240 Now, Quorra. 80 00:04:08.479 --> 00:04:11.000 I used to go on Quorra and answer questions, But god, 81 00:04:11.560 --> 00:04:13.919 I don't know if anybody has Quorra, but that that 82 00:04:14.120 --> 00:04:18.720 platform has gotten so crazy. Have you noticed that a 83 00:04:18.800 --> 00:04:24.000 lot of platforms are just taken over by ideology, I 84 00:04:24.040 --> 00:04:25.920 mean totally just taken over. 85 00:04:26.439 --> 00:04:28.680 Look at I don't mind diversity of thought. 86 00:04:28.800 --> 00:04:32.079 I like having I don't think lopsided government's good one 87 00:04:32.079 --> 00:04:35.639 way or the other. I love variety. I love an 88 00:04:35.639 --> 00:04:41.959 exchange of ideas. But my god, it's just amazing how. 89 00:04:43.360 --> 00:04:46.399 There is no real diversity of thought. 90 00:04:46.560 --> 00:04:50.399 Now they're they're kind of quashing out non I call 91 00:04:50.480 --> 00:04:53.519 them non narratives. Now, before you say, ah, Tom, you're 92 00:04:53.639 --> 00:04:56.279 you know you're coming down on progressives and liberals. 93 00:04:57.079 --> 00:04:59.160 That's the current narrative right now. 94 00:04:59.519 --> 00:05:04.759 I true feel that the majority of the wave, with 95 00:05:05.000 --> 00:05:08.959 younger people and a lot of adults, is toward liberal 96 00:05:09.040 --> 00:05:12.639 progressive policies, or at least that is what Michael Brown 97 00:05:12.680 --> 00:05:18.040 would call the cabal cabal, the power, the deep state, 98 00:05:18.120 --> 00:05:20.920 some people call it. Let's just call it the narrative. 99 00:05:20.959 --> 00:05:23.519 There are different narratives at different times. There really are. 100 00:05:23.920 --> 00:05:26.519 During the Reagan period we had the silent majority, and 101 00:05:26.600 --> 00:05:29.920 he had a narrative that really the country was conservative, 102 00:05:29.959 --> 00:05:33.759 no one really knew it, and he appealed to those people, 103 00:05:34.240 --> 00:05:37.040 but that he said, that was the real undercurrent of 104 00:05:37.040 --> 00:05:40.360 the country. I'm not preaching one or the other, by 105 00:05:40.360 --> 00:05:43.360 the way, I'm just saying that. Have you noticed how 106 00:05:43.439 --> 00:05:51.160 ideology takes over platforms. They absolutely For example, Quora, Quora 107 00:05:51.839 --> 00:05:58.319 poses questions on purpose that beg answers that slam anything 108 00:05:58.800 --> 00:06:02.600 conservative or anything Trump related. Of course, so many people 109 00:06:02.639 --> 00:06:06.160 love slimmy Trump, but they always and then they ask 110 00:06:06.319 --> 00:06:12.399 questions that always elicit compliments and praise for Kamala Harris 111 00:06:13.160 --> 00:06:13.759 or Biden. 112 00:06:14.839 --> 00:06:17.240 It's just the way it is. I'm not giving you 113 00:06:17.279 --> 00:06:18.800 my thoughts, I'm telling you that's the way. It is. 114 00:06:19.800 --> 00:06:24.079 The same thing with other forms of media. They all 115 00:06:24.079 --> 00:06:29.040 have narratives. You remember during COVID, COVID everything was vaccination, 116 00:06:29.240 --> 00:06:33.319 everything was face mask everything was you know, everyone needs 117 00:06:33.319 --> 00:06:35.759 to do everything as opposed to going to those people 118 00:06:35.800 --> 00:06:38.680 at risk, as it turns out they were all wrong. 119 00:06:38.720 --> 00:06:40.519 Whether you like it or not, they were all wrong. 120 00:06:40.920 --> 00:06:43.319 The reason so many people died is they were doing 121 00:06:43.560 --> 00:06:47.120 weird protocols when people got sick. They weren't treating people properly. 122 00:06:47.519 --> 00:06:50.120 They didn't know how to treat people. If we had 123 00:06:50.160 --> 00:06:53.920 it now, it would be a whole different ballgame. But remember, 124 00:06:54.000 --> 00:06:59.279 narrative was face masks and vaccinations and government control and mandates, 125 00:06:59.360 --> 00:07:05.560 and and Zuckerberg just came out and admitted that he 126 00:07:05.720 --> 00:07:11.480 was told to suppress anything that wasn't. 127 00:07:10.959 --> 00:07:12.920 The narrative for COVID. 128 00:07:13.319 --> 00:07:16.360 Doesn't that bother you that the government's trying to get 129 00:07:16.360 --> 00:07:19.399 involved in these platforms because they don't want us to 130 00:07:19.399 --> 00:07:24.839 see certain things, and they suppress the Hunter Biden laptop stories. 131 00:07:25.439 --> 00:07:29.639 So there are some people that talk about rigged. 132 00:07:29.360 --> 00:07:34.240 Elections, and they don't necessarily mean rigged in the sense 133 00:07:34.319 --> 00:07:38.720 that they stuffed ballot boxes. But what they mean is 134 00:07:39.360 --> 00:07:45.480 they controlled what you saw. Now again, you know, I 135 00:07:45.480 --> 00:07:47.240 don't get political here where I try to tell you 136 00:07:47.240 --> 00:07:48.879 what to vote for, who to vote for. I'm just 137 00:07:49.079 --> 00:07:53.000 making some observations. Does anyone is anyone afraid of that 138 00:07:53.000 --> 00:07:59.879 that the government pressures companies and only want certain information release. 139 00:08:00.879 --> 00:08:05.160 And the really chilling thing is how many people go 140 00:08:05.240 --> 00:08:05.920 along with that. 141 00:08:06.519 --> 00:08:06.839 Why? 142 00:08:07.319 --> 00:08:13.279 Because it's okay for censorship. If you're censoring people who 143 00:08:13.360 --> 00:08:19.399 disagree with me, that's scary. It's okay to censor those 144 00:08:19.480 --> 00:08:23.160 people who I don't like hearing from. 145 00:08:23.360 --> 00:08:27.240 Let's go to the phones. Heather called yesterday. 146 00:08:28.800 --> 00:08:31.199 I wanted to get Deputy Doc's take on this, and 147 00:08:31.240 --> 00:08:38.120 I also did some research on it. So she said, 148 00:08:38.799 --> 00:08:40.679 let's just get right to the meat of the story. 149 00:08:42.240 --> 00:08:48.240 She called paramedics for some terrible menstrual pains. She has 150 00:08:48.279 --> 00:08:52.080 cysts on her ovaries, Doc, and she has terrible, terrible 151 00:08:52.639 --> 00:08:55.960 menstrual cycles, some of them bursts sometimes and this pain 152 00:08:56.600 --> 00:09:02.320 is unbearable, and she called paramedics more than once. Now 153 00:09:02.840 --> 00:09:05.080 I've heard of people going through this. It's a terrible 154 00:09:05.080 --> 00:09:08.000 thing when they have cysts on their ovaries. And Deputy 155 00:09:08.039 --> 00:09:12.840 Doc as that retired obgyn and so I mean there 156 00:09:12.879 --> 00:09:15.279 are many people that go to emergency rooms for it. 157 00:09:15.720 --> 00:09:18.799 She calls an ambulance and she said when she was 158 00:09:18.840 --> 00:09:24.559 in the ambulance somewhere somehow they gave her ketymine. Now 159 00:09:24.639 --> 00:09:30.039 ketymine is being used a lot in different circumstances. For pain, anxiety, 160 00:09:30.080 --> 00:09:33.360 a combination of those things. Doc, when you were around 161 00:09:33.639 --> 00:09:37.720 in practicing, was ketymine used almost never time? 162 00:09:37.840 --> 00:09:40.759 I never used it in my forty plus years. But 163 00:09:40.879 --> 00:09:43.240 did you hear about did you know about it? Success? 164 00:09:43.320 --> 00:09:43.879 Still about it? 165 00:09:43.879 --> 00:09:47.440 But I don't remember anybody using it the way they're 166 00:09:47.519 --> 00:09:48.240 using it now. 167 00:09:49.639 --> 00:09:54.519 Oh frequently. Yeah, and they're especially using it on what on. 168 00:09:56.360 --> 00:10:02.480 Patients or people that they perceive are overly anxious or 169 00:10:02.519 --> 00:10:06.559 will give them trouble. But here's what she called about. 170 00:10:06.799 --> 00:10:09.799 And I looked it up and there are there's no 171 00:10:10.039 --> 00:10:15.960 scientific evidence to support it. She was giving one dose 172 00:10:16.000 --> 00:10:18.919 of this one, and. 173 00:10:18.840 --> 00:10:22.320 She said, ever since then, she's never been the. 174 00:10:22.320 --> 00:10:28.879 Same, and she's having all kinds of neurological problems. Nowhere 175 00:10:29.200 --> 00:10:33.879 anywhere in any literature anywhere can I find, even on 176 00:10:33.919 --> 00:10:37.799 the sites that tend to be wacko, I can find 177 00:10:38.120 --> 00:10:45.279 no records, no clinical evidence, no case studies, no predominant 178 00:10:45.639 --> 00:10:48.879 side effects. 179 00:10:47.440 --> 00:10:49.679 For anything they say. 180 00:10:49.799 --> 00:10:55.240 During usage, you can have some cognitive impairment, bladder and 181 00:10:55.360 --> 00:11:01.720 kidney issues, even psychosis if you use it in higher doses, disorientation, 182 00:11:01.919 --> 00:11:05.960 confusion and dizziness, and nausea if you use it a lot, 183 00:11:05.960 --> 00:11:13.039 and come off it, but normally there's no permanent, lasting effects. 184 00:11:13.879 --> 00:11:17.360 She's saying her hands are going numb randomly now and 185 00:11:17.399 --> 00:11:19.320 she had to give up her job as a mechanic. 186 00:11:19.960 --> 00:11:22.559 She also said it scared the hell out of her 187 00:11:22.600 --> 00:11:25.399 when she was administered it because she saw her dead 188 00:11:25.480 --> 00:11:31.519 mother and she hallucinated. And that's all understandable. I think again, 189 00:11:31.559 --> 00:11:34.440 I'm not a doctor. I'm not even close. I think 190 00:11:34.519 --> 00:11:37.960 Heather's having anxiety as a result of the experience. It's 191 00:11:38.039 --> 00:11:41.919 like a bad trip. But this numbness of the hands, Look, 192 00:11:42.320 --> 00:11:44.279 it could be anything. It could be a pinch nerve 193 00:11:44.279 --> 00:11:46.120 in the neck, it could be anything. It could be 194 00:11:46.159 --> 00:11:51.399 carpal tunnel. There's so many things. But Heather, I really 195 00:11:51.440 --> 00:11:56.480 did some searching to find out if there are permanent, 196 00:11:56.919 --> 00:12:01.440 permanent effects from ketamine, and from one dose of ketamine 197 00:12:02.200 --> 00:12:06.360 there is not one instance, not one of permanent damage. 198 00:12:10.840 --> 00:12:13.759 Hey, Heather, how did you find out it was kedemine? 199 00:12:13.759 --> 00:12:15.519 Did you ask them what they gave you? 200 00:12:16.879 --> 00:12:17.240 Yes? 201 00:12:19.799 --> 00:12:20.879 When did there's the car? 202 00:12:21.000 --> 00:12:21.240 Heather? 203 00:12:22.519 --> 00:12:24.759 How long two weeks ago? 204 00:12:25.960 --> 00:12:27.960 How long two weeks ago? 205 00:12:28.600 --> 00:12:31.039 Have you mean before for pain? 206 00:12:31.759 --> 00:12:35.360 Have you seen have you seen a neurologist about your symptoms? 207 00:12:36.440 --> 00:12:38.039 No, I just said, they just started. 208 00:12:38.080 --> 00:12:40.440 So I just called I called Tom on everything. 209 00:12:40.080 --> 00:12:42.480 On every issue I ever ever have, I call him 210 00:12:42.480 --> 00:12:44.039 wherever it's medical or whatever. 211 00:12:45.720 --> 00:12:47.679 But memory losses is a big one too. 212 00:12:48.879 --> 00:12:51.600 But I don't know, Heather. 213 00:12:52.600 --> 00:12:54.759 Heather, I know it scared you, and you've said that 214 00:12:54.799 --> 00:13:00.919 several times, and I know it really affected you. But 215 00:13:00.960 --> 00:13:05.240 I'm going to tell you that your memory loss and 216 00:13:05.279 --> 00:13:11.480 your neurological problems from everything I'm reading, Doc, what's the 217 00:13:11.600 --> 00:13:15.600 likelihood that one dose of a medication will do this 218 00:13:15.759 --> 00:13:16.600 much damage? 219 00:13:17.360 --> 00:13:17.600 Tom? 220 00:13:18.000 --> 00:13:22.159 It's almost I can't even give you a number. I mean, 221 00:13:22.360 --> 00:13:27.639 there are people who have idiosyncre reactions to certain medications, 222 00:13:28.080 --> 00:13:30.799 and she may be that one in ten million that 223 00:13:30.919 --> 00:13:34.559 had that kind of reaction, But the probability is so 224 00:13:34.600 --> 00:13:37.080 small that I think it approaches zero. 225 00:13:38.360 --> 00:13:39.440 I mean, it really does. 226 00:13:39.759 --> 00:13:42.279 So I don't know what you want, Heather, when you 227 00:13:42.320 --> 00:13:43.279 called yesterday. 228 00:13:43.919 --> 00:13:45.080 What is your goal? 229 00:13:47.320 --> 00:13:48.960 Well, just to talk to you. 230 00:13:49.919 --> 00:13:52.320 I don't want look at when I tell you this. 231 00:13:52.639 --> 00:13:55.399 I don't want you to feel I don't want you 232 00:13:55.480 --> 00:13:56.279 to feel bad. 233 00:13:56.360 --> 00:13:57.600 I don't want you to feel. 234 00:13:57.320 --> 00:14:00.120 Like no one wants to help you. You can get hell, 235 00:14:00.759 --> 00:14:05.080 but it's you got to stop blaming one dose of ketamine. See, 236 00:14:05.120 --> 00:14:08.480 you're connecting your anxiety and your symptoms with something that 237 00:14:08.559 --> 00:14:09.120 happened to you. 238 00:14:09.759 --> 00:14:11.840 Look at Yeah, they gave you ketymine. 239 00:14:11.919 --> 00:14:13.919 You keep saying it scared the crap out of you, 240 00:14:13.919 --> 00:14:16.679 you were never given it before, blah blah blah blah blah. 241 00:14:16.799 --> 00:14:19.559 Okay, fine, but that doesn't. 242 00:14:19.200 --> 00:14:23.440 Necessarily mean it caused every negative effect you're having right now. 243 00:14:25.399 --> 00:14:28.440 I mean, I'm just and you know how much I 244 00:14:28.600 --> 00:14:30.639 like you and how much we've worked together, And I 245 00:14:30.639 --> 00:14:34.000 would never, ever, ever I've helped her before, I would 246 00:14:34.039 --> 00:14:36.360 never mislead you on this. You need to see a 247 00:14:36.399 --> 00:14:39.759 neurologist or see normal healthcare providers for your symptoms. 248 00:14:40.759 --> 00:14:41.919 But here's the problem. 249 00:14:41.960 --> 00:14:44.399 If you go to them and say, oh, I'm having 250 00:14:44.399 --> 00:14:46.919 these problems because I had a dose of ketamine, They're 251 00:14:46.919 --> 00:14:49.960 gonna think you're nuts. See a lot of times this 252 00:14:50.000 --> 00:14:54.279 is unfortunate. We kind of skew our healthcare based on 253 00:14:54.480 --> 00:14:59.320 our assertations and conclusions, and doctors tend to avoid those 254 00:14:59.399 --> 00:15:02.960 kinds of pay Hold on, I must, I must take 255 00:15:03.000 --> 00:15:03.480 this break. 256 00:15:03.559 --> 00:15:04.879 Just hang on, we'll come right back. 257 00:15:10.320 --> 00:15:13.559 Go with a sure thing. Denver's best roofer Excel roofing 258 00:15:13.679 --> 00:15:16.320 dot com. 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In comparison, 260 00:15:23.000 --> 00:15:26.559 call Compass Insurance paying too much your coverage at dozens 261 00:15:26.600 --> 00:15:29.320 of insurance companies find out now three all three seven 262 00:15:29.440 --> 00:15:29.919 seven to one. 263 00:15:30.000 --> 00:15:30.279 Help. 264 00:15:30.440 --> 00:15:33.080 You'll think you're his only customer when you choose Frank 265 00:15:33.159 --> 00:15:35.600 durand the real estate Man dot com to list your 266 00:15:35.639 --> 00:15:38.799 home with Remax Alliance three all three nine to zero, 267 00:15:38.879 --> 00:15:39.879 sixteen twenty two. 268 00:15:41.480 --> 00:15:42.440 I'm Tom Artino. 269 00:15:42.559 --> 00:15:44.519 By the way, we'll be talking to Joe Canno about 270 00:15:44.759 --> 00:15:49.919 the market, the stock market, safe investing coming up Joecanos 271 00:15:49.960 --> 00:15:53.759 with my Moneymway dot com. I want to talk to Mary. 272 00:15:54.039 --> 00:15:56.919 She said she was cheated in an auto sale. Now 273 00:15:56.919 --> 00:16:02.279 I will say this could happen, could happen? What's going on? 274 00:16:02.360 --> 00:16:04.799 Mary? Hi? 275 00:16:05.960 --> 00:16:07.440 Hi, thanks for taking my call. 276 00:16:07.480 --> 00:16:08.519 I really appreciate it. 277 00:16:08.720 --> 00:16:09.519 Yeah, all the. 278 00:16:10.080 --> 00:16:12.799 Called so many TV stations and everybody said they're too busy. 279 00:16:12.799 --> 00:16:14.559 But no, I don't hold on, hold on. 280 00:16:14.679 --> 00:16:16.960 If they said they're too busy, I would I would 281 00:16:17.080 --> 00:16:20.480 suspect that they're not too busy, that they're just giving 282 00:16:20.480 --> 00:16:22.320 you the brush off because they don't think you have 283 00:16:22.360 --> 00:16:24.440 a good case. Now I'm going to be honest with 284 00:16:24.519 --> 00:16:26.759 you and tell you what I think of your situation. 285 00:16:26.919 --> 00:16:32.159 So go ahead, Okay, Well what happened was. 286 00:16:34.480 --> 00:16:38.879 We went to this Michael Autodale on de Summer thirty first, 287 00:16:39.360 --> 00:16:40.440 twenty twenty two. 288 00:16:40.519 --> 00:16:42.720 And they wait, wait twenty twenty two. 289 00:16:43.720 --> 00:16:47.120 Yeah, honestly, yeah, we've been dealing with these people for 290 00:16:47.200 --> 00:16:48.399 a long time as well. 291 00:16:48.519 --> 00:16:51.759 Okay, that alone, that alone is major. So you went 292 00:16:51.960 --> 00:16:54.759 did you buy a car in twenty twenty two in December? 293 00:16:55.879 --> 00:16:56.159 Yeah? 294 00:16:56.639 --> 00:17:01.000 Okay, So you bought a used car from Michaels. And 295 00:17:01.039 --> 00:17:02.879 where is Michaels? 296 00:17:03.240 --> 00:17:07.519 It is on forty three twenty eight East Colfax Avenue 297 00:17:07.799 --> 00:17:08.920 here in Denver. 298 00:17:09.319 --> 00:17:13.880 Oh on East Colfax. Okay, and what happened? What? What 299 00:17:13.880 --> 00:17:15.880 would So you bought a used car? By the way, 300 00:17:15.880 --> 00:17:18.440 what did you buy? Uh? 301 00:17:18.720 --> 00:17:23.279 We bought alexis what year? It was a twenty fourteen 302 00:17:24.000 --> 00:17:26.599 and it looked gorgeous. 303 00:17:26.160 --> 00:17:29.119 Lexus And and tell me what how many miles on it? 304 00:17:31.079 --> 00:17:33.640 Let's see it was I got the paperwork right in 305 00:17:33.680 --> 00:17:34.119 front of me. 306 00:17:35.160 --> 00:17:36.720 Let me see where is mine? 307 00:17:37.079 --> 00:17:38.119 Just when you when you bought it? 308 00:17:38.160 --> 00:17:40.480 Approximately how many miles? 309 00:17:40.720 --> 00:17:42.519 One hundred and thirty two thousand money. 310 00:17:42.839 --> 00:17:44.759 Okay, So that means you're going to have something go 311 00:17:44.839 --> 00:17:47.119 wrong with it, because there's no such thing as a 312 00:17:47.160 --> 00:17:49.400 perfect car with one hundred and thirty two thousand. So 313 00:17:49.480 --> 00:17:51.720 did you get the car? And again, I'm not trying 314 00:17:51.759 --> 00:17:54.519 to trick you. I'm doing what these other media people 315 00:17:54.559 --> 00:17:57.319 did not do, and that is go through each detail 316 00:17:57.359 --> 00:17:59.400 and tell you some of the problems you might have. 317 00:17:59.680 --> 00:18:02.119 So did you get the car checked out? 318 00:18:03.160 --> 00:18:03.200 No? 319 00:18:04.279 --> 00:18:08.599 Okay, So what happened? Tell your story? 320 00:18:08.599 --> 00:18:13.000 Well, they sold the car for seventeen thousand, four hundred 321 00:18:13.000 --> 00:18:15.559 and ninety six. They sent us, they sold. 322 00:18:15.400 --> 00:18:18.839 Us a huge warranty and ended up financing us twenty 323 00:18:18.880 --> 00:18:21.079 three thousand and sixty two dollars. 324 00:18:21.480 --> 00:18:26.000 Okay, So the car was seventeen thousand plus warranty. 325 00:18:26.680 --> 00:18:30.240 Yes, and it all came out to twenty three thousand. 326 00:18:31.359 --> 00:18:31.759 Yes. 327 00:18:32.359 --> 00:18:34.839 Okay. Well you know. 328 00:18:34.839 --> 00:18:37.519 That that right there was the worst deal you could make, 329 00:18:37.640 --> 00:18:38.480 but you made it. 330 00:18:38.720 --> 00:18:40.680 There's no one had a gun to your head. 331 00:18:41.079 --> 00:18:45.039 And by the way, you know YouTube's already saying that 332 00:18:45.920 --> 00:18:47.839 a lot of this is on you. 333 00:18:47.960 --> 00:18:48.160 Right. 334 00:18:49.079 --> 00:18:51.839 What kind of dealer is Michael's, is it? 335 00:18:52.440 --> 00:18:54.000 I don't know? I mean, so are you. 336 00:18:54.960 --> 00:18:56.799 I'm going to be honest with you, and I'm not 337 00:18:56.839 --> 00:18:59.359 going to tell you I'm too busy. But if you 338 00:18:59.400 --> 00:19:02.160 bought a car and twenty twenty two, first of all, 339 00:19:02.359 --> 00:19:04.720 you're beyond the statute limitations for anything. 340 00:19:05.039 --> 00:19:06.759 You can't go back after this dealer. 341 00:19:07.160 --> 00:19:09.200 You bought it with one hundred and thirty two thousand 342 00:19:09.200 --> 00:19:11.599 miles on it. You bought it as it. Oh no, no, 343 00:19:11.680 --> 00:19:15.039 you had a warranty. What kind of so then, so 344 00:19:15.079 --> 00:19:18.960 you financed twenty three thousand. Do you still have this car? 345 00:19:19.680 --> 00:19:22.680 Yeah, it's sitting here just like it's been now. 346 00:19:23.759 --> 00:19:25.960 Is the problem you can't get them to fix it 347 00:19:26.039 --> 00:19:27.640 under warranty that you bought. 348 00:19:30.640 --> 00:19:34.279 Well, that's one of the problems. But what happened was, 349 00:19:34.359 --> 00:19:36.599 I mean it got it got pretty dirty because what 350 00:19:36.680 --> 00:19:41.400 happened was they apparently sold the car by clearing the codes. 351 00:19:41.640 --> 00:19:45.599 Because when we brought it home, like a day or 352 00:19:45.680 --> 00:19:48.880 two after we brought it home, the check engine came 353 00:19:48.920 --> 00:19:51.400 on and we're like, oh, there's something wrong with the car. 354 00:19:51.480 --> 00:19:54.279 They're like, hey, yeah, it's fine. You know, we'll fix it. 355 00:19:54.359 --> 00:19:56.240 You know, any problems you have, you know, you've got 356 00:19:56.279 --> 00:19:59.440 to warranty. Blah blah blah, so we went ahead and. 357 00:20:00.920 --> 00:20:02.039 Gave it to them, and. 358 00:20:02.000 --> 00:20:04.119 They gave us a longer car, and they're like, oh. 359 00:20:04.000 --> 00:20:07.119 We're taking it to Toyota Automation. 360 00:20:07.279 --> 00:20:09.240 It's getting looked at. Oh, we're going to fix it. 361 00:20:09.400 --> 00:20:10.960 They kept telling us, we're going to fix it. 362 00:20:10.960 --> 00:20:14.200 Oh, don't worry, we're going to fix it until a 363 00:20:14.240 --> 00:20:17.960 certain time period lapsed where you know, they. 364 00:20:17.799 --> 00:20:19.680 Didn't have to fix it anymore, or something. 365 00:20:19.480 --> 00:20:20.240 Like that or whatever. 366 00:20:20.319 --> 00:20:22.000 Well, I don't even know what you're talking about, Like 367 00:20:22.079 --> 00:20:24.000 what was wrong with the car. You didn't tell me 368 00:20:24.039 --> 00:20:25.480 that part you said the engine light. 369 00:20:25.400 --> 00:20:27.960 Went on, But yeah, and they sold us the car. 370 00:20:28.119 --> 00:20:30.519 So the car had a bad engine, and they apparently 371 00:20:30.559 --> 00:20:33.200 knew it, and they went ahead and sold it to us. 372 00:20:33.119 --> 00:20:34.799 Cleared the code so that we would buy it, and 373 00:20:34.799 --> 00:20:37.119 made it look good on the outside. We bought the car. 374 00:20:37.200 --> 00:20:39.640 We thought it was so Mary, hold on, Mary, I 375 00:20:39.640 --> 00:20:42.359 don't like that, by the way, And you're right, that's 376 00:20:42.440 --> 00:20:45.039 dirty dealing, is what they did. If they knew it 377 00:20:45.079 --> 00:20:47.720 had a bad engine and they sold it to you, 378 00:20:48.440 --> 00:20:53.720 that that's not cool. However, it's also probably not illegal. 379 00:20:55.160 --> 00:20:57.759 They can sell a car in any condition they want, 380 00:20:58.039 --> 00:21:01.200 as long as it's not unsafe, they can say. And 381 00:21:01.279 --> 00:21:03.119 even if it's unsafe, all they have to do is 382 00:21:03.160 --> 00:21:05.279 make it safe. The only two things they have to 383 00:21:05.279 --> 00:21:07.920 do is it has to be roadworthy and that's very 384 00:21:07.960 --> 00:21:10.400 bare minimum, and it has to pass emissions. 385 00:21:10.759 --> 00:21:12.480 After that, everything is on you. 386 00:21:13.599 --> 00:21:17.559 But what I don't understand is the car you said 387 00:21:17.599 --> 00:21:18.400 had a bad engine. 388 00:21:18.440 --> 00:21:20.319 Did you replace the engine or not? 389 00:21:22.680 --> 00:21:24.920 They said they were going to replace it, but. 390 00:21:25.079 --> 00:21:28.400 Oh really, so they offered under that warranty to replace 391 00:21:28.440 --> 00:21:29.039 the engine? 392 00:21:30.400 --> 00:21:31.759 Yes, did they do it? 393 00:21:33.079 --> 00:21:33.599 No? 394 00:21:33.839 --> 00:21:34.160 Why? 395 00:21:36.720 --> 00:21:37.160 I don't know? 396 00:21:37.799 --> 00:21:39.640 I mean why, I mean, if you have a warranty 397 00:21:40.079 --> 00:21:42.319 and the engine is bad, why didn't they replace it? 398 00:21:42.559 --> 00:21:46.519 Usually used car warranties won't fix pre existing conditions. Did 399 00:21:46.519 --> 00:21:49.720 they give you a reason they won't fix it? Now? 400 00:21:50.400 --> 00:21:52.720 They said that they fixed it, but they didn't because 401 00:21:52.720 --> 00:21:55.240 we still still have problems with it. 402 00:21:55.319 --> 00:21:57.440 Did they say they replaced the engine? 403 00:21:58.920 --> 00:22:01.880 Yes, they actually so that they replaced the engine. But 404 00:22:04.079 --> 00:22:07.400 it's kind of a little bit crazy because for six. 405 00:22:07.279 --> 00:22:10.680 Months they had a car sitting with them and they 406 00:22:10.799 --> 00:22:11.920 never fixed anything. 407 00:22:12.640 --> 00:22:14.839 Yeah, but right now, I can't go back in time 408 00:22:14.920 --> 00:22:17.039 like that. But what I can do is this, You've 409 00:22:17.079 --> 00:22:20.960 had it since December of twenty twenty two till now. 410 00:22:21.319 --> 00:22:24.119 How many miles were you able to get out of 411 00:22:24.160 --> 00:22:26.359 this car? How many miles did you put on it? 412 00:22:29.920 --> 00:22:31.440 I can both look at it. 413 00:22:31.359 --> 00:22:34.279 Just roughly roughly, I mean, did you get any use 414 00:22:34.319 --> 00:22:36.160 out of it? Or has it been down the whole time? 415 00:22:37.400 --> 00:22:42.240 We finally, in December of last year, they had us 416 00:22:42.240 --> 00:22:44.440 take it to a mechanic to get it to actually 417 00:22:45.319 --> 00:22:45.720 turn on. 418 00:22:46.440 --> 00:22:49.759 Okay, turning on literally? 419 00:22:50.359 --> 00:22:52.359 So yeah, the whole year. 420 00:22:52.480 --> 00:22:55.000 The whole year, it's sat until December of last year. 421 00:22:55.599 --> 00:22:56.880 And uh so, wait a minute. 422 00:22:56.960 --> 00:23:00.960 You never drove it for the entire twenty twenty three 423 00:23:01.039 --> 00:23:03.680 until December. You took it into a shop, so you 424 00:23:03.799 --> 00:23:06.200 put zero miles on it from the time you bought 425 00:23:06.240 --> 00:23:09.000 it till the time you took it into a. 426 00:23:08.960 --> 00:23:10.559 Mechanic a year later. 427 00:23:11.640 --> 00:23:14.759 Yeah, okay, so then you take it into so it 428 00:23:14.839 --> 00:23:15.759 sat for a year. 429 00:23:16.400 --> 00:23:17.960 Where did it sit for that year? 430 00:23:19.200 --> 00:23:22.559 Six months? It sat with them in their lot apparently, 431 00:23:23.000 --> 00:23:25.160 or went to wherever they said they took it, and 432 00:23:25.160 --> 00:23:28.039 they never didn't work on it. And while they gave 433 00:23:28.119 --> 00:23:29.880 us a loaner to pacify us and make it. 434 00:23:29.880 --> 00:23:32.000 Wait a minute, so hold on, hold on, So you 435 00:23:32.079 --> 00:23:35.880 did have a loaner for all of twenty twenty three. 436 00:23:36.359 --> 00:23:38.559 No, only for six months. 437 00:23:38.680 --> 00:23:42.160 Okay, okay, for six months. Then after six months? 438 00:23:42.160 --> 00:23:47.680 What happened after six months? They said it was June 439 00:23:47.799 --> 00:23:51.519 last year. They said, bring us our loaner back or 440 00:23:51.559 --> 00:23:52.519 we'll call the police. 441 00:23:53.000 --> 00:23:54.880 And did they say your car was done? 442 00:23:57.079 --> 00:24:00.000 No, they towed our car in front of our house 443 00:24:00.359 --> 00:24:01.079 and sat it there. 444 00:24:01.400 --> 00:24:03.599 All right, hold on, we'll come right back to this. 445 00:24:03.599 --> 00:24:06.319 This is this is this is the most ridiculous story 446 00:24:06.359 --> 00:24:10.279 I've ever heard. But Mary, I'm gonna warn you these 447 00:24:10.319 --> 00:24:14.279 people may have screwed you legally. I mean legally. I 448 00:24:14.279 --> 00:24:16.079 don't know what you can do. We're gonna have to 449 00:24:16.119 --> 00:24:18.759 analyze it. Hold on, I'm serious. We have some hard 450 00:24:18.880 --> 00:24:28.160 advice for you coming up. Go with a sure thing 451 00:24:28.279 --> 00:24:31.599 Denver's Best roofer Excel roofing dot com. You don't pay 452 00:24:31.640 --> 00:24:37.720 a cent until you're content. Time for an insurance check 453 00:24:37.799 --> 00:24:41.680 up free, no obligation. In comparison, call Compass Insurance paying 454 00:24:41.720 --> 00:24:44.759 too much your coverage at dozens of insurance companies find 455 00:24:44.759 --> 00:24:47.119 out now three O three seven to seven to one help. 456 00:24:47.279 --> 00:24:49.920 You'll think you're his only customer when you choose Frank 457 00:24:50.000 --> 00:24:52.440 Durand the real estate man dot com to list your 458 00:24:52.480 --> 00:24:56.079 home with Remax Alliance three three nine two zero sixteen 459 00:24:56.160 --> 00:25:08.119 twenty two. Hi, I'm Tom Martino. You're a troubleshooter. I 460 00:25:08.200 --> 00:25:11.839 want to go back to Mary. Listen, Mary, I'm gonna 461 00:25:11.839 --> 00:25:15.880 tell you something. Okay, I don't doubt I don't doubt 462 00:25:16.319 --> 00:25:20.759 that there are car dealers that pull shenanigans all the time. Okay, 463 00:25:20.880 --> 00:25:22.680 I don't even know what that means. Pull shnangan me. 464 00:25:22.759 --> 00:25:23.200 You know what I mean? 465 00:25:23.279 --> 00:25:25.920 They do, They do tricks and scams. While I'm not 466 00:25:25.960 --> 00:25:28.960 sure what this was. I mean, I doubt they didn't 467 00:25:29.000 --> 00:25:31.119 know about the car. They probably knew the car was 468 00:25:31.160 --> 00:25:33.480 what it was. They got too much for the car, 469 00:25:33.720 --> 00:25:35.200 they found someone willing. 470 00:25:34.920 --> 00:25:35.519 To buy it. 471 00:25:35.839 --> 00:25:38.400 You got screwed, Okay, I don't doubt it. But there's 472 00:25:38.440 --> 00:25:41.400 nothing you can but you bought it as is. And 473 00:25:42.079 --> 00:25:45.480 here's the thing. You have a warranty. You can you know, 474 00:25:45.559 --> 00:25:47.880 you can try to get them to if it's covered 475 00:25:47.960 --> 00:25:51.160 under the warranty, you know, get them to fix it. 476 00:25:51.200 --> 00:25:56.559 But right now, I'm not sure exactly what you want. 477 00:25:56.759 --> 00:25:59.319 Are you trying to get a refund that won't happen? 478 00:25:59.680 --> 00:26:02.240 What are you trying to do because you've done so 479 00:26:02.319 --> 00:26:03.400 many things wrong. 480 00:26:03.200 --> 00:26:05.920 When you bought this car. I get you. 481 00:26:06.359 --> 00:26:09.240 Even though people do things wrong, Mary, it would be 482 00:26:09.279 --> 00:26:13.799 a wonderful world if people didn't get screwed because they're 483 00:26:13.880 --> 00:26:16.440 ignorant and I mean ignorant of buying cars. There are 484 00:26:16.440 --> 00:26:18.920 a lot of people that don't know how to buy cars. 485 00:26:18.519 --> 00:26:21.400 But what I want to know is this, Okay, what 486 00:26:21.480 --> 00:26:23.599 are you calling about? What do you want? 487 00:26:24.720 --> 00:26:26.559 I want them to get shut down because we're not 488 00:26:26.599 --> 00:26:28.880 the only people that they've done this too, and there's 489 00:26:28.960 --> 00:26:29.559 people that. 490 00:26:29.519 --> 00:26:32.720 Did How do you know that there's people. 491 00:26:32.440 --> 00:26:34.440 That did reviews on their website about how they got 492 00:26:34.440 --> 00:26:37.559 screwed over. And even my neighbor across the street, she 493 00:26:37.720 --> 00:26:39.480 told me that they sold them as a car and 494 00:26:39.519 --> 00:26:39.880 they were. 495 00:26:39.799 --> 00:26:42.400 Out three thousand dollars cash because the car was no 496 00:26:42.480 --> 00:26:43.799 good when they brought it home. 497 00:26:43.920 --> 00:26:45.640 She says, she knows exactly what I'm talking about. 498 00:26:45.720 --> 00:26:47.839 Why do you think none of these people are getting 499 00:26:47.839 --> 00:26:49.440 these cars checked out? 500 00:26:51.680 --> 00:26:55.000 I don't know. Probably because they're desperate, or they don't 501 00:26:55.000 --> 00:26:55.640 know how to. 502 00:26:55.599 --> 00:26:58.920 Do it, or right, You're right, Mary, You're absolutely right. 503 00:27:00.119 --> 00:27:01.759 Will it cost to get your car running? 504 00:27:01.799 --> 00:27:02.240 Do you know. 505 00:27:04.720 --> 00:27:07.440 Alexis said it would be fifteen thousand dollars to fix 506 00:27:07.480 --> 00:27:08.599 everything that's wrong with it. 507 00:27:09.119 --> 00:27:11.200 That's what the dealer said. Did you take it to 508 00:27:11.240 --> 00:27:13.960 anybody else to see? Uh? 509 00:27:14.079 --> 00:27:18.079 Yeah, I did take it to Bill Krestmore Automotive. 510 00:27:19.440 --> 00:27:20.599 What did he tell you? 511 00:27:23.559 --> 00:27:25.799 Let me see, I got an email just roughly. 512 00:27:26.200 --> 00:27:28.079 I mean, does it need an engine still? 513 00:27:30.960 --> 00:27:34.720 He said that, yeah, I mean it does. Yeah, unfortunately, 514 00:27:34.960 --> 00:27:36.799 so that's that's not a good thing. 515 00:27:37.000 --> 00:27:42.519 He said that that they have to do an official 516 00:27:42.599 --> 00:27:45.440 diagnostic on the engine and all this kind of k 517 00:27:45.720 --> 00:27:47.119 so I think. 518 00:27:46.920 --> 00:27:47.759 That could see. 519 00:27:48.799 --> 00:27:52.039 Okay, Bo, will you call this dealer? I just want 520 00:27:52.079 --> 00:27:53.079 to call it Tom. 521 00:27:53.160 --> 00:27:58.319 I was thinking, Mary, Yes, the warranty is transferable. Why 522 00:27:58.319 --> 00:28:00.680 don't you take your warranty to a now their dealers? 523 00:28:00.960 --> 00:28:02.920 Well, I don't know what kind of warranty. She could 524 00:28:02.960 --> 00:28:04.720 have gotten, a crap warranty. We don't even know. 525 00:28:04.759 --> 00:28:07.279 Hold on, all right, Bo, talk to the dealer and 526 00:28:07.359 --> 00:28:09.559 talk to the dealer during the show. Let's let's see 527 00:28:09.599 --> 00:28:10.519 if we can get a comment. 528 00:28:10.559 --> 00:28:12.200 When I get the number, Ill called her in this sh. 529 00:28:12.160 --> 00:28:14.680 Yeah, yeah, yeah, let's do that. Bill. What's going on 530 00:28:14.720 --> 00:28:14.920 with you? 531 00:28:15.000 --> 00:28:15.200 Bill? 532 00:28:15.240 --> 00:28:16.599 Welcome to the show. What's happening. 533 00:28:19.519 --> 00:28:23.000 Hey, guys, I got called to do some bathroom repair 534 00:28:23.039 --> 00:28:26.920 at the business downtown and it appears that the water 535 00:28:27.039 --> 00:28:30.519 is coming from a park that's right next door that's 536 00:28:30.559 --> 00:28:33.799 owned by the city Raised planners. 537 00:28:33.920 --> 00:28:37.839 The Raised planner, Well, so the bath repairs was for 538 00:28:38.079 --> 00:28:40.759 leaky water or what for water coming in? 539 00:28:40.799 --> 00:28:45.000 There's water damage. I attached some photos in an email earlier. 540 00:28:45.519 --> 00:28:50.759 And is it a business you're working on right in downtown? 541 00:28:52.079 --> 00:28:52.920 Yeah, downtown, I. 542 00:28:52.920 --> 00:28:56.440 Said, okay, And you say it's coming in from the city. 543 00:28:56.480 --> 00:29:00.440 Did you notify them her? 544 00:29:00.440 --> 00:29:02.839 And she said she's been in contact with the city 545 00:29:02.880 --> 00:29:05.799 and they've said that it's not coming. 546 00:29:05.480 --> 00:29:06.119 From the park. 547 00:29:07.799 --> 00:29:08.759 And you're sure it is. 548 00:29:10.480 --> 00:29:12.319 Right If you look at the photos, it's like it. 549 00:29:12.440 --> 00:29:13.880 Yeah, I'm gonna look at them during the break. 550 00:29:13.880 --> 00:29:16.440 Here, hold on one second, I'm getting a little behind here, 551 00:29:16.480 --> 00:29:17.799 so let me go look at it right now. Three 552 00:29:17.799 --> 00:29:25.359 oh three seven, one three eight two five five Go 553 00:29:25.480 --> 00:29:29.200 with a sure thing Denver's Best roofer Excel roofing dot com. 554 00:29:29.240 --> 00:29:34.880 You don't pay a cent until you're content, wait time 555 00:29:34.920 --> 00:29:37.839 for an insurance check up free, no obligation. In comparison, 556 00:29:37.960 --> 00:29:41.519 call Compass insurance paying too much your coverage at dozens 557 00:29:41.519 --> 00:29:44.279 of insurance companies. Find out now three all three seven 558 00:29:44.359 --> 00:29:47.200 seven to one help. You'll think you're his only customer 559 00:29:47.200 --> 00:29:49.480 when you choose Frank durand the real estate man dot 560 00:29:49.480 --> 00:29:52.799 com to list your home with Remax Alliance three all 561 00:29:52.880 --> 00:29:55.000 three nine two zero sixteen twenty two. 562 00:29:57.440 --> 00:30:01.119 Copy Tom Martino, you're troubleshooter. Let's go back to the phones. 563 00:30:01.160 --> 00:30:05.240 It's important, Bill. I looked at this. The one thing 564 00:30:05.279 --> 00:30:05.640 I see. 565 00:30:05.680 --> 00:30:09.279 I see a lot of water damage, and it's a 566 00:30:09.799 --> 00:30:12.000 DoD They own this building or do they rent it? 567 00:30:13.440 --> 00:30:15.880 I believe they own it, and you're. 568 00:30:15.720 --> 00:30:19.200 Doing work for them, and the city refuses to acknowledge 569 00:30:19.200 --> 00:30:20.400 the water intrusion. 570 00:30:20.480 --> 00:30:21.000 Is that right? 571 00:30:22.160 --> 00:30:22.480 Yes? 572 00:30:23.000 --> 00:30:24.119 What do they base it on? 573 00:30:26.400 --> 00:30:30.079 I don't know they the owner had been in contact 574 00:30:30.119 --> 00:30:31.759 with them. So what I'm telling you is. 575 00:30:31.759 --> 00:30:34.119 Just I need to get their contact at the city. 576 00:30:34.319 --> 00:30:37.440 But here's the problem. Those photos you show don't show 577 00:30:37.480 --> 00:30:41.799 a park. Are you talking about that little grass area 578 00:30:41.839 --> 00:30:42.960 outside of their building? 579 00:30:43.839 --> 00:30:47.960 So what they have adjacent to that wall where the 580 00:30:47.960 --> 00:30:53.000 bathrooms are is a open air park. But up against 581 00:30:53.000 --> 00:30:56.359 the wall are two planners that extend out about twelve 582 00:30:56.400 --> 00:30:58.319 feet and they arch around. 583 00:30:58.519 --> 00:31:00.279 And who owns those planters all. 584 00:31:01.160 --> 00:31:02.799 The city of the city of Lamar. 585 00:31:03.920 --> 00:31:04.680 It's Lamar. 586 00:31:04.920 --> 00:31:08.680 What they do, yeah, what they used for keeping the 587 00:31:08.960 --> 00:31:11.960 water out? It looks like, well it is, it's a 588 00:31:12.440 --> 00:31:13.079 ice and water. 589 00:31:13.480 --> 00:31:15.960 I mean you just said Lamar, didn't you say it downtown? 590 00:31:16.119 --> 00:31:17.440 So it's downtown. 591 00:31:17.039 --> 00:31:25.000 Lamar, Yes, sir, Okay, Lamar, Okay, okay. And the water 592 00:31:25.119 --> 00:31:28.240 is coming from a city park. Okay. 593 00:31:28.400 --> 00:31:30.559 I don't see that in the picture. That's the problem. 594 00:31:30.599 --> 00:31:33.359 But I'm not doubting you. If you're there, and you'd 595 00:31:33.359 --> 00:31:36.680 have no reason not to tell the truth here, we 596 00:31:36.960 --> 00:31:39.880 probably need to document it. They probably need to get 597 00:31:39.880 --> 00:31:43.279 an engineer to fight Lamar. I don't mind contacting Lamar. 598 00:31:43.319 --> 00:31:45.359 But Lamar is going to say no, And what do 599 00:31:45.440 --> 00:31:46.359 we have to fight it? 600 00:31:46.480 --> 00:31:47.559 Your opinion? Right? 601 00:31:49.119 --> 00:31:49.319 Right? 602 00:31:49.599 --> 00:31:54.039 And but so my question is, if if you own 603 00:31:54.880 --> 00:31:58.279 a building that's adjacent to my building, can you burn 604 00:31:58.720 --> 00:32:02.000 dirt up again about two feet tall? 605 00:32:02.200 --> 00:32:05.480 Probably not? I mean, you know that's weird. So no, 606 00:32:05.680 --> 00:32:07.759 I don't think I can just go and put dirt 607 00:32:07.839 --> 00:32:11.519 up against your your siding and rotted out with water 608 00:32:11.599 --> 00:32:15.119 and sprinklers. No, I don't think you can. I mean, 609 00:32:15.559 --> 00:32:17.920 this is what's so strange about it? Why are they 610 00:32:17.960 --> 00:32:19.160 being such jerks? 611 00:32:21.039 --> 00:32:23.480 Right? So I reached out to the park. 612 00:32:23.240 --> 00:32:25.319 And wrec director. I've yeah, sent an email and I'm 613 00:32:25.319 --> 00:32:27.240 gonna I'm gonna visit with him and just say, hey, 614 00:32:27.759 --> 00:32:31.200 we want to fix these bathrooms. But I can't fix 615 00:32:31.240 --> 00:32:33.160 the bathrooms until we stopped the wall. 616 00:32:33.440 --> 00:32:34.920 Unless the guy's a complete moron. 617 00:32:35.200 --> 00:32:40.240 So you're saying those planters belong to the city, Yes, And. 618 00:32:40.200 --> 00:32:44.119 They literally piled hold on. They literally piled. 619 00:32:43.680 --> 00:32:46.680 Dirt up against that guy's building and put a wall 620 00:32:46.720 --> 00:32:48.319 around it and made a planter. 621 00:32:49.680 --> 00:32:50.279 When you get it. 622 00:32:50.319 --> 00:32:53.440 Back up, they used a piece of ice and water shield. 623 00:32:53.640 --> 00:32:56.960 They rolled it from the dirt up and if you 624 00:32:57.000 --> 00:32:58.279 know what ice and water shield is. 625 00:32:58.400 --> 00:33:00.839 No, I know they thought that would shield it from 626 00:33:00.920 --> 00:33:01.400 the water. 627 00:33:01.559 --> 00:33:04.039 I get it. But so we need to get a 628 00:33:04.079 --> 00:33:08.640 professional opinion. I mean, your a professional opinion. I mean, 629 00:33:08.920 --> 00:33:13.079 this is ridiculous. This is absolutely ridiculous. You can tell 630 00:33:13.119 --> 00:33:15.079 them that you were in touch with me. Tell them, 631 00:33:15.200 --> 00:33:18.319 you know what, the the immunity laws do not apply. 632 00:33:18.839 --> 00:33:21.240 Once they know there's a condition like this and they 633 00:33:21.279 --> 00:33:27.400 refuse to fix it. Tell them that specifically, Okay, there's 634 00:33:27.480 --> 00:33:31.519 governmental immunity for the maintenance of city property. 635 00:33:32.119 --> 00:33:33.640 So he's going to tell. 636 00:33:33.440 --> 00:33:36.519 You, well, we're immune from all of that. They're not not. 637 00:33:36.759 --> 00:33:39.680 If they know about a condition and they ignore it, 638 00:33:40.079 --> 00:33:43.119 call me back Bill, Okay, after you talk to them. 639 00:33:43.279 --> 00:33:47.599 I'm Tom Martino. This is ridiculous. Three three seven to 640 00:33:47.599 --> 00:33:49.720 one to three talker is our number. You never know 641 00:33:49.759 --> 00:33:51.799 what you're gonna hear on this show. My God, That's 642 00:33:51.799 --> 00:33:53.480 why I do it each and every day, and I 643 00:33:53.559 --> 00:33:56.799 love it. We have more coming up on the Troubleshooter Show. 644 00:33:56.839 --> 00:33:59.319 Get your calls in three to zho three Martino three 645 00:33:59.319 --> 00:34:02.640 oh three two seven eight four sixty six. 646 00:34:08.239 --> 00:34:11.519 Go with a sure thing Denver's Best roofer Excel Roofing 647 00:34:11.599 --> 00:34:12.199 dot com. 648 00:34:12.239 --> 00:34:14.239 You don't pay a cent until you're content. 649 00:34:15.159 --> 00:34:20.079 Three time for an insurance check up free no obligation 650 00:34:20.199 --> 00:34:24.079 comparison call Compass Insurance Paying too much your coverage at 651 00:34:24.119 --> 00:34:26.840 dozens of insurance companies find out now three oh three 652 00:34:27.000 --> 00:34:29.599 seven seven to one help. You'll think you're his only 653 00:34:29.679 --> 00:34:32.159 customer when you choose Frank durand the real estate Man 654 00:34:32.199 --> 00:34:35.599 dot com to list your home with Remax Alliance three 655 00:34:35.679 --> 00:34:37.719 oh three nine two zero sixteen twenty two. 656 00:34:44.159 --> 00:34:49.000 Rip News Need Advice who. 657 00:34:48.920 --> 00:34:49.559 You don't have. 658 00:34:52.159 --> 00:34:56.719 Run anxious as can shoots gonna help. 659 00:34:57.000 --> 00:34:59.760 Come man, this is. 660 00:34:59.719 --> 00:35:01.079 The Trouble Shooter Show. 661 00:35:01.679 --> 00:35:06.280 No, Tom Martino, Hi Tom Martino here, Welcome to the show. 662 00:35:06.360 --> 00:35:10.360 Three three seven one three talk three oh three seven 663 00:35:10.440 --> 00:35:12.159 one three eight two five five. 664 00:35:12.679 --> 00:35:14.159 Here we are helping. 665 00:35:13.840 --> 00:35:17.519 People solve problems, answering questions, taking complaints, sometimes telling people 666 00:35:17.559 --> 00:35:22.639 we can't help them, especially this this this repeating problem. 667 00:35:22.679 --> 00:35:24.000 Guys. Everyone knows that. 668 00:35:24.480 --> 00:35:26.880 I say, guys, my my deputies in the studio and 669 00:35:26.920 --> 00:35:31.559 also my deputies are my my YouTube morons and everyone else. Uh, 670 00:35:31.599 --> 00:35:36.280 here's the problem, man, I'm telling you it's it's terrible, terrible, terrible, terrible, terrible. 671 00:35:36.360 --> 00:35:45.000 And that is when you have a situation where you 672 00:35:45.159 --> 00:35:49.320 buy a used car and it goes to hell in 673 00:35:49.360 --> 00:35:51.800 a hand basket. As they say nothing you can do 674 00:35:51.840 --> 00:35:54.800 about it. I mean there are rare circumstances. 675 00:35:54.840 --> 00:35:55.880 You can do something about it. 676 00:35:56.000 --> 00:35:59.000 Rare if someone directly lies to you and you can 677 00:35:59.079 --> 00:36:01.119 prove it. You want to go through the fraud allegation 678 00:36:01.159 --> 00:36:03.480 blah blah blah. Most of the time you buy something 679 00:36:03.519 --> 00:36:06.280 as is or under a limited warranty, and that warranty sucks. 680 00:36:06.519 --> 00:36:07.800 There's not much you can do about it. 681 00:36:08.320 --> 00:36:10.559 Get these cars checked out. I don't care where you 682 00:36:10.599 --> 00:36:14.800 buy them. Get them checked out independently. 683 00:36:17.119 --> 00:36:19.480 Karen, Hi, what's going on with you? Karen? Welcome to 684 00:36:19.519 --> 00:36:19.840 the show. 685 00:36:19.880 --> 00:36:23.239 I'm Tom Martine him. 686 00:36:24.559 --> 00:36:26.559 I was hoping you could help. 687 00:36:26.440 --> 00:36:27.519 Me because. 688 00:36:29.639 --> 00:36:37.039 Signed like a general contract and I've been listening. 689 00:36:36.639 --> 00:36:39.280 To your show and now you signed a contract to 690 00:36:39.280 --> 00:36:42.960 have work done. 691 00:36:43.000 --> 00:36:47.760 Well as an estimate. I mean it was like it said, 692 00:36:48.719 --> 00:36:52.239 you know, I had a flood in my condo, and 693 00:36:52.360 --> 00:36:55.320 it's so the flood happened in May. 694 00:36:55.960 --> 00:37:00.320 Okay, so the flood happened in May, and and did 695 00:37:00.360 --> 00:37:01.800 you was this your fault? 696 00:37:01.880 --> 00:37:03.920 I mean, did your insurance cover it? Or was it 697 00:37:03.960 --> 00:37:05.360 the HA or what. 698 00:37:07.360 --> 00:37:11.880 My insurance covered it? But they said I did not 699 00:37:12.159 --> 00:37:14.920 have to use this contractor. 700 00:37:15.159 --> 00:37:19.280 Well, okay, then why did you use this contractor I 701 00:37:19.400 --> 00:37:19.920 never did? 702 00:37:20.079 --> 00:37:23.119 I never did I who did you use? 703 00:37:26.840 --> 00:37:27.039 Wait? 704 00:37:27.039 --> 00:37:29.320 Wait wait wait wait now hold on, now I'm confused. 705 00:37:29.559 --> 00:37:31.840 You said you didn't use him. You canceled with him. 706 00:37:31.880 --> 00:37:35.320 So you did sign with him and then cancel. 707 00:37:36.039 --> 00:37:39.159 Yeah, but it was like one of those general like 708 00:37:39.679 --> 00:37:44.599 estimate saytans, like there was no detail on there. 709 00:37:46.000 --> 00:37:50.760 But okay, it was was it, Karen, Was it a contract? 710 00:37:53.199 --> 00:37:54.960 It was like a general one. 711 00:37:55.639 --> 00:37:56.760 Well, it doesn't matter if. 712 00:37:57.039 --> 00:38:00.480 There was one specific There are no specific details on it. 713 00:38:00.559 --> 00:38:03.039 There doesn't have to be. There doesn't have to be. 714 00:38:03.760 --> 00:38:05.920 I mean, now it would be stupid to sign a 715 00:38:05.960 --> 00:38:06.840 contract like that. 716 00:38:07.239 --> 00:38:11.239 But a contract only has to have do I've learned that. 717 00:38:11.320 --> 00:38:14.440 Now a contractor a contract only has to have a 718 00:38:14.480 --> 00:38:18.440 price and acceptance, a general scope of work or what 719 00:38:18.480 --> 00:38:21.599 they're going to do, promise and whatever I mean, And 720 00:38:21.719 --> 00:38:22.599 then signatures. 721 00:38:23.400 --> 00:38:24.320 Did he sign it? 722 00:38:28.000 --> 00:38:31.519 I don't, probably, But the thing is is. 723 00:38:31.679 --> 00:38:33.360 When did you sign the contract with them? 724 00:38:33.400 --> 00:38:36.440 Let's just let's just talk about the contract, okay, because 725 00:38:36.440 --> 00:38:38.280 it's not going to go away because you don't want 726 00:38:38.320 --> 00:38:38.639 it there. 727 00:38:39.039 --> 00:38:40.480 When did you sign the contract? 728 00:38:42.440 --> 00:38:46.400 Probably in May when the flood happened. 729 00:38:46.519 --> 00:38:48.840 And I was like, look, and who did you sign? 730 00:38:49.239 --> 00:38:50.239 What is his name? 731 00:38:50.320 --> 00:38:52.880 Sign a contract with who? 732 00:38:53.840 --> 00:39:01.519 Brian from Spectrum Wood Floors? Okay, colrad okay. 733 00:39:01.199 --> 00:39:03.639 So Spectrum Wood Floors. 734 00:39:03.960 --> 00:39:08.880 And then use how did you find them? 735 00:39:09.039 --> 00:39:11.639 I just think of internet search or okay. 736 00:39:11.960 --> 00:39:14.159 And then you said you talked to your insurance They 737 00:39:14.159 --> 00:39:16.480 said you don't have to use them. Well, your insurance 738 00:39:16.519 --> 00:39:20.159 doesn't know squat about this your insurance. Did your insurance 739 00:39:20.199 --> 00:39:21.360 know you signed a contract? 740 00:39:24.039 --> 00:39:24.559 Probably not? 741 00:39:25.119 --> 00:39:27.320 Okay, So let's get to the right. Let's get to 742 00:39:27.360 --> 00:39:30.239 the meat of the heart of the matter. You tried 743 00:39:30.280 --> 00:39:32.199 to cancel with him. What does that mean? 744 00:39:34.119 --> 00:39:34.480 Okay? 745 00:39:34.599 --> 00:39:39.880 So when I saw, you know, he he only came 746 00:39:40.039 --> 00:39:46.239 once to my condo and there was no you know communication. 747 00:39:47.719 --> 00:39:49.039 Did you pay him anything? 748 00:39:50.159 --> 00:39:50.320 No? 749 00:39:50.400 --> 00:39:53.639 I never paid him anything. But on this lean that 750 00:39:53.719 --> 00:39:58.199 he filed, he said he delivered materials to my condo 751 00:39:58.360 --> 00:40:00.719 and I never even picked out Well, that. 752 00:40:00.599 --> 00:40:03.039 Would be the only way he could file and lean. 753 00:40:03.119 --> 00:40:04.519 But Karen, I want you to. 754 00:40:04.519 --> 00:40:05.280 Back up a little bit. 755 00:40:05.360 --> 00:40:06.159 That's a lie. 756 00:40:06.719 --> 00:40:11.320 How Okay, you signed the contract, you had buyer's remorse, 757 00:40:11.920 --> 00:40:12.880 and you canceled. 758 00:40:13.159 --> 00:40:16.440 When how long after you signed it did you cancel? 759 00:40:19.280 --> 00:40:25.800 Probably like October October? 760 00:40:25.920 --> 00:40:30.320 It was so wait wait June, July, August, September, October, 761 00:40:30.400 --> 00:40:36.280 five months later you canceled. What happened to the damage 762 00:40:36.360 --> 00:40:39.360 during that five months? 763 00:40:39.400 --> 00:40:39.800 Nothing? 764 00:40:40.199 --> 00:40:40.719 Wait? 765 00:40:40.880 --> 00:40:44.199 So you didn't have it repaired or mitigated or temporary 766 00:40:44.360 --> 00:40:44.920 or anything? 767 00:40:44.960 --> 00:40:49.480 Nothing done? No, you didn't have anyone else work on it? 768 00:40:50.840 --> 00:40:50.960 No? 769 00:40:52.000 --> 00:40:57.280 Okay, why did you wait? Why did you wait five months? 770 00:40:58.159 --> 00:41:04.159 Well, so I have us a a insurance and I 771 00:41:04.199 --> 00:41:07.360 don't know that's I thought he was working on it. 772 00:41:07.400 --> 00:41:07.800 I wasn't. 773 00:41:07.840 --> 00:41:10.079 Okay, I got it, So, Karen, I get it. 774 00:41:10.119 --> 00:41:10.519 I get it. 775 00:41:10.559 --> 00:41:14.079 So, Karen, when when you signed a contract with him 776 00:41:14.119 --> 00:41:17.599 in May and then canceled in October? 777 00:41:18.320 --> 00:41:20.320 How did you cancel? Did you write him a letter? 778 00:41:22.360 --> 00:41:22.559 Yes? 779 00:41:22.639 --> 00:41:24.239 I e an email? Email? 780 00:41:24.320 --> 00:41:25.719 Yeah? 781 00:41:25.760 --> 00:41:27.920 Okay, so you wrote and what did you say to him? 782 00:41:27.960 --> 00:41:28.719 What did you say to. 783 00:41:28.679 --> 00:41:29.400 Him in the email? 784 00:41:31.159 --> 00:41:31.920 I said. 785 00:41:33.639 --> 00:41:36.480 I wanted to go with a different. 786 00:41:36.280 --> 00:41:39.719 Contractor did you give a reason? 787 00:41:43.159 --> 00:41:45.320 Well, I didn't think it was. Anything was done in 788 00:41:45.360 --> 00:41:48.719 a timely matter, and he never even sent me an estimate. 789 00:41:48.760 --> 00:41:51.840 And when he sent the estimate, he told the insurance 790 00:41:51.960 --> 00:41:55.920 company he was putting in real wood floors, and he 791 00:41:56.000 --> 00:41:58.280 had told me he was putting in you know, those 792 00:41:58.440 --> 00:41:59.559 laminet floors. 793 00:42:01.239 --> 00:42:04.280 Okay, listen, Karen, don't pick. You're trying to pick apart 794 00:42:04.280 --> 00:42:06.639 stuff that's not going to matter. So that's all I'm 795 00:42:06.639 --> 00:42:09.320 telling you. If you really want to do this, you 796 00:42:09.400 --> 00:42:12.159 got to do it with real ammunition, real bullets. 797 00:42:12.239 --> 00:42:12.559 I mean. 798 00:42:13.519 --> 00:42:16.159 So here's what I need to know. What was he 799 00:42:16.280 --> 00:42:21.079 doing for five months? Well, he never called you once. 800 00:42:23.320 --> 00:42:25.840 There might have been a little communication, Like he said, 801 00:42:25.880 --> 00:42:28.000 he was just working with the insurance company. 802 00:42:28.159 --> 00:42:32.320 But okay, and what did he claim he delivered to 803 00:42:32.360 --> 00:42:33.000 your home. 804 00:42:34.840 --> 00:42:35.679 Materials? 805 00:42:36.280 --> 00:42:37.559 What material product? 806 00:42:38.519 --> 00:42:39.559 Yeah, like good. 807 00:42:39.519 --> 00:42:42.800 Flooring or whatever, which yeah, I never picked out any. 808 00:42:43.480 --> 00:42:46.840 So nothing was ever hold on, nothing was ever delivered 809 00:42:46.880 --> 00:42:47.360 to your home. 810 00:42:48.480 --> 00:42:48.920 No. 811 00:42:49.440 --> 00:42:51.960 The reason he said that is because in order to 812 00:42:52.000 --> 00:42:55.519 do a lean there has to be work or product. 813 00:42:57.239 --> 00:43:03.079 Right, So he's lying. Yes, he is flat out. 814 00:43:02.920 --> 00:43:08.239 Lying yes, yes. 815 00:43:07.599 --> 00:43:11.159 Okay, So who repaired the place? Did you get it repaired? 816 00:43:11.199 --> 00:43:11.480 Since? 817 00:43:13.079 --> 00:43:13.360 Yes? 818 00:43:13.440 --> 00:43:20.239 I have, Now this was May of twenty twenty two three, 819 00:43:20.320 --> 00:43:24.760 I mean yes, okay, so. 820 00:43:25.480 --> 00:43:29.199 You since had it repaired? When did he finally put 821 00:43:29.199 --> 00:43:30.119 the lien on the house? 822 00:43:32.039 --> 00:43:36.679 Walked October seventeenth, twenty twenty three. 823 00:43:37.039 --> 00:43:38.199 Right after you canceled? 824 00:43:39.760 --> 00:43:40.119 Yes? 825 00:43:41.000 --> 00:43:42.280 When did you hire the new. 826 00:43:42.159 --> 00:43:46.960 Company over Thanksgiving? 827 00:43:47.960 --> 00:43:54.400 Okay, Now, here's what's going to happen. 828 00:43:56.599 --> 00:44:00.119 The lien will do you no harm unless this guy tries. 829 00:43:59.800 --> 00:44:05.280 To well wait a minute. First of all, he can't 830 00:44:05.320 --> 00:44:10.320 even put a lien. If he didn't, the job will okay, wait, wait, okay, 831 00:44:11.000 --> 00:44:13.679 here's what's going to happen. You can sit there and 832 00:44:13.719 --> 00:44:16.440 nothing will happen with this lean, and it'll go away 833 00:44:18.000 --> 00:44:23.159 unless he forecloses. Has he made any noise? Is he 834 00:44:23.280 --> 00:44:30.840 taking you to court? No? He said, Okay, hold on. 835 00:44:31.159 --> 00:44:35.559 If he put a lien on your place in October 836 00:44:36.119 --> 00:44:40.039 and hasn't done anything since the lean's going away, the 837 00:44:40.119 --> 00:44:41.480 lean doesn't stay on there. 838 00:44:43.119 --> 00:44:44.159 Well, I would. 839 00:44:43.880 --> 00:44:47.519 Try to go do a release of lean because it's fraud. 840 00:44:47.760 --> 00:44:51.239 And they said it doesn't go away till he takes 841 00:44:51.280 --> 00:44:52.079 it off of there. 842 00:44:52.440 --> 00:44:54.960 Well, that's not true. 843 00:44:55.679 --> 00:45:01.000 It has no teeth. It has no teeth. He can't close. 844 00:45:00.760 --> 00:45:04.360 On it, right, Yeah, I'm not worried. 845 00:45:04.599 --> 00:45:05.880 Why do you want to do it? Why do you 846 00:45:05.920 --> 00:45:07.519 want to do a Why do you want to do 847 00:45:07.559 --> 00:45:08.119 a release? 848 00:45:09.639 --> 00:45:11.679 Because I want the lean off so I can sell 849 00:45:11.719 --> 00:45:14.559 my condo if I want to move, okay. And they 850 00:45:14.599 --> 00:45:17.199 said it's not going to go away unless he removes it. 851 00:45:17.599 --> 00:45:20.159 That's for a release. But you can do a quiet 852 00:45:20.159 --> 00:45:21.119 title action. 853 00:45:23.320 --> 00:45:24.800 Quiet Yeah. 854 00:45:25.159 --> 00:45:27.360 Why don't you hold on? And we're going to get 855 00:45:27.360 --> 00:45:29.119 our real estate. I want to get our real estate 856 00:45:29.159 --> 00:45:30.039 attorney on okay? 857 00:45:31.119 --> 00:45:31.760 Okay, hang on? 858 00:45:31.920 --> 00:45:33.519 Hang on three. 859 00:45:33.440 --> 00:45:37.280 Oh three seven one three talk three oh three seven 860 00:45:37.360 --> 00:45:41.440 one three eight two five five by the way, eight 861 00:45:41.440 --> 00:45:43.840 eight eight Heating dot com will look at your ac 862 00:45:44.280 --> 00:45:46.760 if you're having problems, or get your furnace ready or 863 00:45:46.800 --> 00:45:51.480 give you free second opinions. You have honest people for furnaces, 864 00:45:51.480 --> 00:45:54.960 for air conditioners, and for plumbing and electric eight eight 865 00:45:55.079 --> 00:45:58.000 eight Heating dot Com three oh three seven seven zero 866 00:45:58.079 --> 00:46:05.400 two seven seven six Go with a sure thing Denver's 867 00:46:05.440 --> 00:46:08.320 best roofer Excel Roofing dot com. You don't pay a 868 00:46:08.400 --> 00:46:14.880 cent until you're content. Time for an insurance check up free, 869 00:46:14.960 --> 00:46:18.639 no obligation. In comparison, call Compass Insurance paying too much 870 00:46:18.840 --> 00:46:21.760 your coverage at dozens of insurance companies find out now 871 00:46:21.840 --> 00:46:24.119 three all three seven to seven to one help. You'll 872 00:46:24.119 --> 00:46:26.880 think you're his only customer when you choose Frank durand 873 00:46:26.920 --> 00:46:29.360 the real estate Man dot com to list your home 874 00:46:29.559 --> 00:46:33.320 with Remax Alliance three three nine two zero sixteen twenty two. 875 00:46:36.639 --> 00:46:41.159 Hi Tom Martino, you're a troubleshooter. We're waiting for our 876 00:46:41.159 --> 00:46:45.199 real estate attorney. I want to get Kaschina heard me right. 877 00:46:45.239 --> 00:46:48.880 I want to get O'Brien Legal Services on to talk 878 00:46:48.920 --> 00:46:51.519 about thish. 879 00:46:51.559 --> 00:46:52.559 I'm working on it. 880 00:46:52.920 --> 00:46:54.480 A quiet title action. Thank you. 881 00:46:54.840 --> 00:46:58.880 I want to talk to Joecano my Moneymway dot Com. 882 00:46:58.960 --> 00:47:03.440 Now Joe has mixed feelings on the stock market. 883 00:47:04.599 --> 00:47:08.199 I think Joe, we can agree that as you're going 884 00:47:08.239 --> 00:47:15.000 through life, there's a place for I think the stock market, 885 00:47:15.079 --> 00:47:20.199 there's a place for you know, treasury bonds and bills 886 00:47:20.280 --> 00:47:22.679 or stuff like that, and there's a place for overfunding 887 00:47:22.840 --> 00:47:27.159 life insurance, and there's a place possibly even for starting 888 00:47:27.239 --> 00:47:32.719 an annuity. But as you get older, things change. Talk 889 00:47:32.719 --> 00:47:36.760 about that what because I want to make that clear 890 00:47:37.360 --> 00:47:40.199 that there are different strokes for different folks depending on 891 00:47:40.239 --> 00:47:41.840 their horizon of time. 892 00:47:44.360 --> 00:47:45.599 I agree with you dom On. 893 00:47:46.960 --> 00:47:51.559 I think when somebody's young and they have the opportunity 894 00:47:51.559 --> 00:47:54.280 to be in the stock market, they can do wonderful 895 00:47:54.360 --> 00:47:58.239 things with it because they have the time. They can 896 00:47:58.320 --> 00:48:02.199 afford to be in the stock market, to have their 897 00:48:02.280 --> 00:48:06.679 money at risk because they have time before they're retiring. 898 00:48:07.000 --> 00:48:10.320 And by the way, not not all of their money, obviously, 899 00:48:10.519 --> 00:48:14.119 even when you're younger, you want a portion of. 900 00:48:14.039 --> 00:48:16.079 It, that's right. 901 00:48:16.119 --> 00:48:17.599 You know, people need to. 902 00:48:17.559 --> 00:48:21.920 Have a safe foundation, a safe foundation. And you know 903 00:48:21.960 --> 00:48:24.559 what is I just heard a couple of ads that 904 00:48:25.320 --> 00:48:29.039 I heard played actually right before I came on, and 905 00:48:29.079 --> 00:48:32.760 they're talking about safe money and that's exactly. 906 00:48:32.320 --> 00:48:33.480 What we do. 907 00:48:33.559 --> 00:48:37.920 We do safe money products and safe money strategies so 908 00:48:38.079 --> 00:48:42.360 people can build a foundation at any time in their lives. 909 00:48:42.639 --> 00:48:44.239 They don't have to be young, they don't have to 910 00:48:44.280 --> 00:48:47.559 be all. They can start now where they solid foundation. 911 00:48:47.760 --> 00:48:50.119 So if people have a four to one K in 912 00:48:50.199 --> 00:48:54.159 the stock market and they're nearing retirement, or maybe they 913 00:48:54.360 --> 00:48:55.320 left their. 914 00:48:55.159 --> 00:48:59.280 Employer and they have a four to one K just being. 915 00:48:59.159 --> 00:49:03.719 There doing nothing, this is the type of individuals that 916 00:49:03.760 --> 00:49:06.920 should be thinking about moving their four a one K 917 00:49:07.119 --> 00:49:08.159 is their iras. 918 00:49:08.480 --> 00:49:10.920 Yeah, and this is something I don't think people know. 919 00:49:11.719 --> 00:49:14.079 I don't think a lot of people really know when 920 00:49:14.119 --> 00:49:17.000 they have a four oh one K unless it's self directed, 921 00:49:17.360 --> 00:49:20.039 when they have an IRA unless it's self directed, and 922 00:49:20.079 --> 00:49:24.320 when they have different investment qualified plans, and a qualified 923 00:49:24.360 --> 00:49:27.400 plan for those listening mean this is what a qualified 924 00:49:27.440 --> 00:49:28.039 plan means. 925 00:49:28.840 --> 00:49:30.679 It means you deduct money going. 926 00:49:30.480 --> 00:49:32.960 In most of the time except for some and then 927 00:49:33.440 --> 00:49:36.440 it grows tax deferred until you draw it out. But 928 00:49:36.639 --> 00:49:40.920 even with qualified money, the stock market can can wreak 929 00:49:41.079 --> 00:49:46.480 havoc on it. Yes, your returns grow faster, but you 930 00:49:46.519 --> 00:49:49.800 can lose it just like any stock account. It's not protected. 931 00:49:52.119 --> 00:49:56.559 So right, what about those again? Because I like to 932 00:49:56.599 --> 00:49:58.519 be Oh, do I have Brad. 933 00:49:58.320 --> 00:50:00.719 On right now? I want to go right to him 934 00:50:00.719 --> 00:50:01.079 if I do. 935 00:50:01.400 --> 00:50:03.360 All right, Joe, hang on, because I'm going to ask 936 00:50:03.400 --> 00:50:08.280 you about some any sacrifice you might make if you 937 00:50:08.360 --> 00:50:11.559 do go with a fixed indextinuity, because not everything is 938 00:50:11.559 --> 00:50:13.800 one hundred percent good or one hundred percent bad or 939 00:50:14.079 --> 00:50:19.960 one hundred percent appropriate. Okay, Brad O'Brien, this scenario, let's 940 00:50:20.000 --> 00:50:23.840 just say, is correct for what you know. Let's take 941 00:50:23.920 --> 00:50:26.760 Karen out her word. She hired a guy, she canceled. 942 00:50:27.400 --> 00:50:29.440 He put a lien on the house because she never 943 00:50:29.519 --> 00:50:30.440 let him get started. 944 00:50:30.960 --> 00:50:32.679 He claimed he delivered materials. 945 00:50:32.719 --> 00:50:37.400 He never did. But here's the point. She probably was 946 00:50:37.400 --> 00:50:40.119 wrong how she canceled. But the truth is he never 947 00:50:40.199 --> 00:50:43.760 delivered anything. He never started work. He just put a 948 00:50:43.800 --> 00:50:47.320 lien on there. So Karen, how much is the lean for? 949 00:50:50.480 --> 00:50:52.559 Like almost five thousand dollars? 950 00:50:52.719 --> 00:50:56.639 All right? So he put it on in October? All right? 951 00:50:56.679 --> 00:50:59.320 He put it the lean on in October of twenty 952 00:50:59.400 --> 00:51:02.719 twenty three and has not done anything. Now, Brad, I 953 00:51:02.840 --> 00:51:05.920 was always told if someone doesn't try to perfect the 954 00:51:06.039 --> 00:51:09.239 lian that in effect they lose their right to do. 955 00:51:09.199 --> 00:51:10.320 So, is that right, Brad? 956 00:51:10.800 --> 00:51:11.119 Yes? 957 00:51:12.000 --> 00:51:14.199 How long does it take for it to expire? 958 00:51:14.280 --> 00:51:18.039 So to speak, Well, a contractor has four months after 959 00:51:18.079 --> 00:51:22.719 their last substantial work to reporting notice a recording statement 960 00:51:22.760 --> 00:51:25.760 of mechanics lean, and then after that they have a 961 00:51:25.800 --> 00:51:28.199 total of six months after the last work or after 962 00:51:28.239 --> 00:51:31.440 the project was done to start a lawsuit to foreclose. 963 00:51:30.960 --> 00:51:31.440 On that lien. 964 00:51:32.159 --> 00:51:35.039 So November December, January, February, March, April. Okay, so he 965 00:51:35.159 --> 00:51:38.280 lost his right now to perfect it. So now what happens? 966 00:51:38.639 --> 00:51:41.599 It's still there and it's giving your trouble. When she's 967 00:51:41.639 --> 00:51:44.719 going to list it, they're telling her, well, you. 968 00:51:44.760 --> 00:51:46.440 Got to get that lean taken off. Now. 969 00:51:46.480 --> 00:51:49.400 I had this happen once with me, where a lien 970 00:51:49.639 --> 00:51:52.440 was bogus and I showed that I had paid for 971 00:51:52.480 --> 00:51:56.519 something and the contractor hadn't but I had, and it 972 00:51:57.039 --> 00:51:59.880 was it was bogus, and I was going to sell 973 00:52:00.119 --> 00:52:05.360 my house, and I remember at the time, I think 974 00:52:05.440 --> 00:52:07.719 I had someone do what was called the quiet title 975 00:52:07.760 --> 00:52:11.079 action or something. I'm not sure, Brett Brat, what would 976 00:52:11.079 --> 00:52:13.440 be a strategy to get it off of there? 977 00:52:15.599 --> 00:52:17.960 Well, if it's expired as a matter of law, because 978 00:52:17.960 --> 00:52:20.679 they waited too long to perfect it. Then I would 979 00:52:20.679 --> 00:52:24.760 normally start with a demand letter to the contractor demanding 980 00:52:24.760 --> 00:52:27.760 that they record a release of their line because it's 981 00:52:27.760 --> 00:52:30.079 no good. If they won't do that, then you have 982 00:52:30.119 --> 00:52:33.360 to go to court and have the court officially extinguish 983 00:52:33.639 --> 00:52:35.280 the clean as a record title. 984 00:52:35.800 --> 00:52:38.440 Is that really involved? Is that what they call it? 985 00:52:38.519 --> 00:52:39.800 Quiet title action or not? 986 00:52:40.280 --> 00:52:40.519 Yes? 987 00:52:40.559 --> 00:52:40.840 It is? 988 00:52:41.960 --> 00:52:45.599 And how just dollars and cents? What does it cost 989 00:52:45.639 --> 00:52:47.679 her to get this done? If she needs to take 990 00:52:47.679 --> 00:52:48.880 the guy to court? 991 00:52:49.400 --> 00:52:51.519 It could be at least three five grand for starters, 992 00:52:51.840 --> 00:52:54.480 even if you get a default judgment and there's no 993 00:52:55.360 --> 00:52:58.280 contest in the court. But if the guy wants to 994 00:52:58.280 --> 00:52:59.400 contest it to. 995 00:52:59.519 --> 00:53:00.519 Be north of that? 996 00:53:01.960 --> 00:53:06.920 Can you get attorneys fees if it's bogush. 997 00:53:05.679 --> 00:53:07.639 Only if you have a written contract that has a 998 00:53:07.679 --> 00:53:09.239 prevailing party attorney feed. 999 00:53:09.000 --> 00:53:14.400 Provision, So somebody can just clutter up your sale and 1000 00:53:14.559 --> 00:53:19.360 cost you even if it's not a legit lean. 1001 00:53:19.880 --> 00:53:22.800 Yeah, that's why a lot of contractors requardlans even though 1002 00:53:22.840 --> 00:53:25.000 they know they're not no good as a matter of law, 1003 00:53:25.119 --> 00:53:27.440 because they know the title companies will not let any 1004 00:53:27.480 --> 00:53:28.800 transaction close. 1005 00:53:28.960 --> 00:53:31.920 With him on there even after it expired. 1006 00:53:32.719 --> 00:53:33.119 That's right. 1007 00:53:33.199 --> 00:53:36.559 Title companies they get practically speaking, even though they know 1008 00:53:37.119 --> 00:53:40.320 it's not possibly a good lean because they waited to me, 1009 00:53:40.679 --> 00:53:44.119 that contractor waited too long, the title company still insists 1010 00:53:44.159 --> 00:53:45.119 on the getting released. 1011 00:53:45.920 --> 00:53:47.639 What a terrible, terrible thing. 1012 00:53:48.000 --> 00:53:50.760 You would think that it would automatically be drop off 1013 00:53:50.960 --> 00:53:54.440 now now brat another question. Then, is there a way 1014 00:53:54.440 --> 00:53:56.840 to bond around it? I've heard of that expression. 1015 00:53:57.599 --> 00:54:01.639 Yes, the harmowner can or either side can go well, 1016 00:54:01.760 --> 00:54:05.679 normally it's the homeowner and start a court action. It's 1017 00:54:05.679 --> 00:54:08.559 an expedited action where you open a court case to 1018 00:54:08.599 --> 00:54:11.800 bond over the lean, and you normally post one hundred 1019 00:54:11.800 --> 00:54:15.239 and fifty percent of the claimed amount with the court. 1020 00:54:16.039 --> 00:54:17.480 That can be cash, or it can be a bond 1021 00:54:17.519 --> 00:54:20.320 that you purchase somewhere per cents on the dollar, and 1022 00:54:21.840 --> 00:54:26.360 then the mechanic or the contractor then proceeds against the bond, 1023 00:54:26.480 --> 00:54:27.480 not against the house. 1024 00:54:28.079 --> 00:54:31.519 If he's ever going to proceed, but right if he 1025 00:54:31.679 --> 00:54:33.159 never proceeds. 1026 00:54:32.960 --> 00:54:35.960 You just lose the premium, that's right. 1027 00:54:37.000 --> 00:54:40.639 So on a five thousand dollars as I remember, sometimes, 1028 00:54:40.679 --> 00:54:43.000 depending on the quality of the lean, it could be 1029 00:54:43.039 --> 00:54:46.039 as little as five or ten percent to bond around it. 1030 00:54:48.000 --> 00:54:51.079 So she might have to pay five hundred bucks to 1031 00:54:51.159 --> 00:54:52.000 bond around it. 1032 00:54:52.039 --> 00:54:53.440 But I think there are at least a couple of grand 1033 00:54:54.000 --> 00:54:58.599 regardless of one really writing. Yeah, there's underwriting involved. 1034 00:54:59.280 --> 00:55:03.079 Oh, things have changed a lot. I remember bond Okay. 1035 00:55:03.320 --> 00:55:05.519 I thought bonds were just a percentage based on the 1036 00:55:05.599 --> 00:55:11.760 quality of the lean. But there's a minimum amounts Okay, okay, 1037 00:55:11.800 --> 00:55:12.280 I get it. 1038 00:55:13.360 --> 00:55:15.199 So, Karen, it's pain. 1039 00:55:15.559 --> 00:55:18.079 I would never get that back. I would never get. 1040 00:55:18.039 --> 00:55:20.519 Well, no, no, no, Now if they proceeded, yeah that 1041 00:55:20.679 --> 00:55:22.719 if you buy a bond, No, the bond is for 1042 00:55:22.760 --> 00:55:23.320 your protection. 1043 00:55:23.440 --> 00:55:24.239 You don't get it back. 1044 00:55:24.679 --> 00:55:27.880 If you post the money one hundred and fifty percent, 1045 00:55:27.960 --> 00:55:32.159 you're looking at posting seventy five hundred bucks. And and Brad, 1046 00:55:32.199 --> 00:55:33.800 how long would that have to be posted? 1047 00:55:35.440 --> 00:55:35.559 Uh? 1048 00:55:37.599 --> 00:55:40.440 Definitely. So the way to cut that off is to 1049 00:55:41.159 --> 00:55:44.039 use that same court action to get a quiet titled 1050 00:55:44.159 --> 00:55:47.159 decree from the court decreeing that the lian is no good. 1051 00:55:47.719 --> 00:55:49.119 Then the bone can be released. 1052 00:55:50.679 --> 00:55:52.880 So you put up the bonds that you can sell 1053 00:55:52.920 --> 00:55:55.719 the damn place and then go for a quiet title 1054 00:55:55.760 --> 00:55:59.559 action after that, well, at that point it's. 1055 00:55:59.440 --> 00:56:00.599 No longer que title action. 1056 00:56:00.800 --> 00:56:01.599 If you post it on. 1057 00:56:01.679 --> 00:56:04.880 It's just a court decree that and with that. 1058 00:56:04.920 --> 00:56:08.360 Still costs Okay, so she puts up seventy five hundred 1059 00:56:08.639 --> 00:56:11.159 and goes for a court decree, with that still cost 1060 00:56:11.239 --> 00:56:14.840 her in legal fees about fifteen hundred or two thousand bucks. 1061 00:56:14.719 --> 00:56:15.519 O a lot more. 1062 00:56:16.599 --> 00:56:21.920 Whoa my god? Oh so that at these at. 1063 00:56:21.960 --> 00:56:23.960 Least five grand, even if the guy never shows up 1064 00:56:23.960 --> 00:56:24.519 and contested. 1065 00:56:25.920 --> 00:56:27.159 Why is it so much? 1066 00:56:27.679 --> 00:56:29.880 There's a lot of steps to do in the court. 1067 00:56:30.360 --> 00:56:32.599 The court is not cheap o. 1068 00:56:32.599 --> 00:56:36.559 Case, and neither are attorneys, and as well they shouldn't be. 1069 00:56:36.639 --> 00:56:39.679 I guess if they're working for this now, I want 1070 00:56:39.679 --> 00:56:44.119 to know this. Then if someone buys it, well no, no, 1071 00:56:44.320 --> 00:56:46.480 nobody's going to lend on it, even with an old 1072 00:56:46.559 --> 00:56:49.480 lean right, Why is it if they know that it 1073 00:56:49.599 --> 00:56:54.119 legally can't be perfected, why are they so skittish about it? 1074 00:56:54.800 --> 00:56:57.519 You have to ask the titled company. That's just what 1075 00:56:57.559 --> 00:56:57.880 they do. 1076 00:56:58.440 --> 00:57:02.159 They all do it because they all so. 1077 00:57:02.320 --> 00:57:05.679 The expiration means nothing as far as trying to sell 1078 00:57:05.719 --> 00:57:06.079 a house. 1079 00:57:06.119 --> 00:57:07.719 It still gunks up the title. 1080 00:57:08.320 --> 00:57:08.519 Right. 1081 00:57:09.719 --> 00:57:12.760 You know Karen, what I would do, and I Brad'll say, Tom, 1082 00:57:12.840 --> 00:57:15.239 stop practicing law. You don't know what you're talking about. 1083 00:57:15.679 --> 00:57:18.480 But I'll tell you what I would do. I would 1084 00:57:18.519 --> 00:57:23.719 sue this guy for the amount for five grand in 1085 00:57:23.760 --> 00:57:28.599 small claims court, and I would claim that I got 1086 00:57:28.639 --> 00:57:31.000 an estimate from an attorney, and I would get an 1087 00:57:31.079 --> 00:57:35.639 estimate for a quiet title action that will almost assuredly 1088 00:57:36.239 --> 00:57:40.880 extinguish this lean. Will cost you five thousand dollars and 1089 00:57:41.039 --> 00:57:44.760 the only reason you have to pay it is because 1090 00:57:44.800 --> 00:57:48.440 this guy refuses to remove it. That's after I ask 1091 00:57:48.559 --> 00:57:50.880 him to remove it. So I would write I would 1092 00:57:50.920 --> 00:57:53.559 have Brad O'Brien or attorney write a letter asking him 1093 00:57:53.559 --> 00:57:56.719 to remove it, and if he doesn't remove it in 1094 00:57:56.760 --> 00:58:00.280 a certain amount of time, I would sue him, where 1095 00:58:00.280 --> 00:58:03.760 I would in small claims court for the anticipated cost 1096 00:58:03.800 --> 00:58:04.880 of having it removed. 1097 00:58:05.159 --> 00:58:06.880 Brad, is that stupid advice? 1098 00:58:08.039 --> 00:58:10.840 Well, the idea is that you're calling the attorney. 1099 00:58:10.519 --> 00:58:13.280 Fees damages and so you're pursuing those damages directly. 1100 00:58:13.599 --> 00:58:13.719 Right. 1101 00:58:14.480 --> 00:58:15.159 Is that wrong? 1102 00:58:16.000 --> 00:58:16.199 Well? 1103 00:58:17.360 --> 00:58:19.719 Not the normally, Normally you recover you try to recover 1104 00:58:19.760 --> 00:58:22.159 attorney fees after you win on the underlying claim. 1105 00:58:23.440 --> 00:58:25.719 Yeah, but I would say I'm trying to sell the 1106 00:58:25.760 --> 00:58:28.440 house and I have to or or I would sue 1107 00:58:28.440 --> 00:58:31.400 for the amount of the bond seventy five hundred or 1108 00:58:31.440 --> 00:58:34.760 not the bond, but the posting. Say say, listen, man, 1109 00:58:34.880 --> 00:58:37.400 I have to put up seventy five hundred and the 1110 00:58:37.480 --> 00:58:40.199 only reason I have to do it is because this 1111 00:58:40.360 --> 00:58:45.440 clown refuses to remove it after you've asked them then 1112 00:58:45.519 --> 00:58:47.639 and otherwise I would. 1113 00:58:47.400 --> 00:58:48.599 Never have to put this up. 1114 00:58:48.639 --> 00:58:52.639 And it's an expired lean, so it's basically punitive and 1115 00:58:52.760 --> 00:58:55.840 I want that damage. That's no, that's even better than 1116 00:58:55.880 --> 00:58:58.440 attorney's fee. I you're right, because if you didn't spend 1117 00:58:58.440 --> 00:59:00.199 the attorney's fees yet, how do you do that? But 1118 00:59:00.239 --> 00:59:01.960 if you have to put up seventy five hundred for 1119 00:59:02.000 --> 00:59:06.000 a bond, not a bond for a post for a security, 1120 00:59:06.679 --> 00:59:10.639 I would definitely go after this guy. But first have 1121 00:59:10.800 --> 00:59:13.679 Brad write them a letter. Brad, have you ever written 1122 00:59:13.719 --> 00:59:15.360 these letters before? Oh? 1123 00:59:15.440 --> 00:59:17.400 Yeah, it makes it's a lot of sense because it's 1124 00:59:17.519 --> 00:59:19.440 it's a lot cheaper to write a letter than to 1125 00:59:19.480 --> 00:59:20.320 go to court and. 1126 00:59:20.320 --> 00:59:25.639 Do these letters work sometimes sure, because you tell the guy, look, 1127 00:59:25.880 --> 00:59:29.440 it's impossible for you to foreclose right now, please remove 1128 00:59:29.480 --> 00:59:31.199 it or we're taking legal action. 1129 00:59:33.079 --> 00:59:34.559 Okay, thank you very much, Brad. 1130 00:59:34.599 --> 00:59:38.239 Brad O'Brien, by the way, Olslaw dot com seven to 1131 00:59:38.440 --> 00:59:41.519 zero three seven zero seventy three eighty eight. For all 1132 00:59:41.559 --> 00:59:44.199 things real estate seven to zero three seven zero seventy 1133 00:59:44.199 --> 00:59:52.480 three eighty eight. Go with a sure thing Denver's best 1134 00:59:52.559 --> 00:59:54.519 roofer Excel Roofing dot com. 1135 00:59:54.559 --> 00:59:59.000 You don't pay a cent until you're content, plea on 1136 00:59:59.119 --> 00:59:59.840 top of it. 1137 01:00:00.000 --> 01:00:03.119 Time for an insurance check up free, no obligation. In comparison, 1138 01:00:03.280 --> 01:00:06.840 call Compass Insurance paying too much your coverage at dozens 1139 01:00:06.840 --> 01:00:09.559 of insurance companies find out now three oh three seven 1140 01:00:09.559 --> 01:00:10.159 to seven to one. 1141 01:00:10.280 --> 01:00:10.519 Help. 1142 01:00:10.679 --> 01:00:13.320 You'll think you're his only customer when you choose Frank 1143 01:00:13.400 --> 01:00:15.840 durand the real estate Man dot com to list your 1144 01:00:15.880 --> 01:00:19.039 home with Remax Alliance three oh three nine two zero 1145 01:00:19.119 --> 01:00:30.119 sixteen twenty two. Hi Tom Martino here three oh three 1146 01:00:30.159 --> 01:00:33.599 seven one three talk three oh three seven one three 1147 01:00:33.840 --> 01:00:35.360 eight two five five. 1148 01:00:36.159 --> 01:00:40.320 Okay, I have Sharon who. 1149 01:00:40.159 --> 01:00:42.639 Has a follow up with a fence issue working with 1150 01:00:42.840 --> 01:00:44.679 bo Is bo there. 1151 01:00:44.679 --> 01:00:45.719 Can he talk about it? 1152 01:00:45.960 --> 01:00:49.519 Yes, I'm here, Tom, uh, Well, let me bring up 1153 01:00:49.519 --> 01:00:55.400 her call and the fence issue as I remember, let 1154 01:00:55.480 --> 01:00:56.719 me see, let me get it here. 1155 01:00:57.719 --> 01:01:01.480 It was from August sixteenth, twelve o'clock hour when she 1156 01:01:01.559 --> 01:01:02.760 initially called. 1157 01:01:03.400 --> 01:01:06.519 Okay, God, why don't you start on it. I'll find 1158 01:01:06.559 --> 01:01:06.920 the call. 1159 01:01:07.960 --> 01:01:12.960 Yes, Sharon called about a contractor Raoul, right, Raoul Missoula. 1160 01:01:13.239 --> 01:01:15.119 And it wasn't. 1161 01:01:15.480 --> 01:01:20.079 Amazella Amazella was it. I'm trying to get the proper. 1162 01:01:19.880 --> 01:01:22.039 Name, Poorous Exteriors. 1163 01:01:22.599 --> 01:01:26.159 And the person that did the work was Raul Missoula. 1164 01:01:26.360 --> 01:01:27.719 Did I pronounce it right? Sharon? 1165 01:01:29.119 --> 01:01:30.199 Oh, it's Amazola. 1166 01:01:30.679 --> 01:01:34.280 Okay, that's what I thought, Azoula. Okay, so go ahead. 1167 01:01:34.719 --> 01:01:40.920 Basically, Sharon and her neighbor paid this Raul money. I 1168 01:01:40.920 --> 01:01:43.360 think it was seven hundred dollars one time in twelve 1169 01:01:43.480 --> 01:01:46.360 hundred on a second payment to get a fence done, 1170 01:01:46.360 --> 01:01:50.800 and they just never came back to complete the job. 1171 01:01:52.119 --> 01:01:56.679 I tried to contact Raoul several times. I even called 1172 01:01:56.760 --> 01:01:59.559 poising as a customer to get him to at least 1173 01:01:59.639 --> 01:02:04.760 call me back. There was no phone call. I even 1174 01:02:04.800 --> 01:02:05.400 went out to. 1175 01:02:05.400 --> 01:02:08.039 His Wait a minute. So he's got paid for stuff 1176 01:02:08.079 --> 01:02:08.679 he didn't do. 1177 01:02:09.320 --> 01:02:11.159 I think three checks, right, Sharon? 1178 01:02:12.760 --> 01:02:15.280 Yeah, I mean initially I wrote a check for twelve 1179 01:02:15.280 --> 01:02:16.559 twenty five my names. 1180 01:02:16.280 --> 01:02:18.760 But you got zero. You got nothing done? 1181 01:02:18.800 --> 01:02:23.320 Yeah, we got nothing, no materials, know nothing nothing, and 1182 01:02:23.360 --> 01:02:26.440 you paid another check for seven hundred right to him. 1183 01:02:26.440 --> 01:02:26.679 First. 1184 01:02:27.039 --> 01:02:29.000 Between the two of us were into him for three 1185 01:02:29.400 --> 01:02:30.239 and ninety. 1186 01:02:29.960 --> 01:02:33.039 Dollars, but you have to separate them for small claims 1187 01:02:33.039 --> 01:02:37.119 court or for. 1188 01:02:35.360 --> 01:02:36.480 For going after him. 1189 01:02:36.800 --> 01:02:40.440 So well, I talked to Bo directed me to call 1190 01:02:40.480 --> 01:02:42.719 the Denver District Attorney's officers. 1191 01:02:42.519 --> 01:02:46.280 Right because of the Contractor's Trust Act. 1192 01:02:47.400 --> 01:02:53.000 Yeah, And she actually said that because it was one job, 1193 01:02:53.400 --> 01:02:55.280 it was a fence between our houses. 1194 01:02:55.480 --> 01:02:58.320 Oh, I get okay. I didn't realize that you're right, 1195 01:02:58.440 --> 01:02:59.199 it's one job. 1196 01:02:59.239 --> 01:03:03.920 You're right, yep. Are they doing anything about it? 1197 01:03:05.599 --> 01:03:05.920 Well? 1198 01:03:06.079 --> 01:03:08.719 She she sent me the form that I can fill 1199 01:03:08.760 --> 01:03:11.239 out a complaint, and she asked, she kind of directed 1200 01:03:11.239 --> 01:03:13.599 me what types of paperwork I would want to include 1201 01:03:13.639 --> 01:03:15.840 any kind of proof that I have, And I have 1202 01:03:15.920 --> 01:03:19.320 all the canceled checks, all of the you know, text 1203 01:03:19.320 --> 01:03:22.119 messages back and forth. Most of what occurred between the 1204 01:03:22.119 --> 01:03:24.400 two of us, I made sure was in writing on 1205 01:03:24.519 --> 01:03:26.880 text messages and email and that kind of thing. So 1206 01:03:27.519 --> 01:03:31.119 I've got plenty of documentation. But after all of this happened, 1207 01:03:31.119 --> 01:03:33.119 and after a month of not hearing, you know, not 1208 01:03:33.480 --> 01:03:36.599 him not returning phone calls anymore, he had an excuse 1209 01:03:36.639 --> 01:03:38.719 after excuse. There are a lot of text messages back 1210 01:03:38.719 --> 01:03:41.960 and forth, and then eventually he just quit returning calls 1211 01:03:41.960 --> 01:03:45.679 and that kind of thing. I got online, started doing 1212 01:03:45.719 --> 01:03:50.039 some research and found at least that I know of four, 1213 01:03:50.239 --> 01:03:53.239 maybe five companies under the names that these people. This, 1214 01:03:53.239 --> 01:03:57.320 this woman, Andrea Porus always is listed as the owner 1215 01:03:57.360 --> 01:04:02.719 of the company by Raoul is the only person I've 1216 01:04:02.719 --> 01:04:03.400 ever worked with. 1217 01:04:03.519 --> 01:04:03.719 Now. 1218 01:04:03.800 --> 01:04:05.519 Last year, when they built the fence for me, it 1219 01:04:05.599 --> 01:04:07.000 was under dex and More. 1220 01:04:07.199 --> 01:04:11.039 That was the company name. This year it's Porus Exteriors. 1221 01:04:11.800 --> 01:04:15.559 I found one judgment against them in Douglas County, and 1222 01:04:15.599 --> 01:04:20.719 that's ABR Construction Services. And then I saw another name 1223 01:04:20.760 --> 01:04:23.519 of a company called Affordable Decks LLC. 1224 01:04:23.840 --> 01:04:27.159 Oh my god, So these people are Sleeves. Now, can 1225 01:04:27.199 --> 01:04:28.719 you send us that information? 1226 01:04:30.199 --> 01:04:32.960 Yeah, yeah, I don't send you anything it needs No. 1227 01:04:33.079 --> 01:04:34.639 I want to say, I want you to send me 1228 01:04:34.679 --> 01:04:37.440 all that research you did. I'm gonna I'm going to 1229 01:04:37.639 --> 01:04:39.559 go after them and put them on the Sleeves Brigade. 1230 01:04:39.599 --> 01:04:40.039 For sure. 1231 01:04:40.480 --> 01:04:40.840 You didn't. 1232 01:04:41.159 --> 01:04:43.039 You don't have any pictures of this guy or where 1233 01:04:43.039 --> 01:04:46.000 we can find one, do you of rail or of Poris? 1234 01:04:47.360 --> 01:04:47.480 No? 1235 01:04:47.679 --> 01:04:50.840 And here's the thing about Andrea. I may have briefly 1236 01:04:50.880 --> 01:04:53.400 seen her one time last year when they built my fence, 1237 01:04:53.400 --> 01:04:55.079 and they did a beautiful job on the fence that 1238 01:04:55.119 --> 01:04:59.639 they built last year. But she's she is under she's 1239 01:04:59.639 --> 01:05:02.159 in some kind of a protection type program. There was 1240 01:05:02.199 --> 01:05:06.480 an incident unrelated to this that occurred with them last summer. 1241 01:05:06.599 --> 01:05:09.400 And I don't even have a physical address for her. 1242 01:05:09.440 --> 01:05:12.360 Of course, Raoul not living at the physical address I 1243 01:05:12.400 --> 01:05:15.800 had for him either, But her mail is even run 1244 01:05:15.880 --> 01:05:18.519 through a clearing house through the state of Colorado. She's what, 1245 01:05:19.079 --> 01:05:20.400 there's no physical address? 1246 01:05:20.519 --> 01:05:20.760 Yeah? 1247 01:05:21.360 --> 01:05:23.920 What is this some sort of witness protection? 1248 01:05:24.360 --> 01:05:25.559 That's what it sounds like. 1249 01:05:25.800 --> 01:05:26.559 We can't touch. 1250 01:05:26.719 --> 01:05:29.000 Yeah, it's used for people who are like victims of 1251 01:05:29.079 --> 01:05:30.119 domestic violence. 1252 01:05:30.199 --> 01:05:30.400 Yeah. 1253 01:05:30.400 --> 01:05:31.519 We don't want to. We don't want to. 1254 01:05:32.159 --> 01:05:33.639 Yeah, we don't want to make her more of a 1255 01:05:33.719 --> 01:05:36.480 victim by by outing her stars where she is. 1256 01:05:36.559 --> 01:05:40.599 But oh my god, but she's screwing people. 1257 01:05:40.360 --> 01:05:43.199 Physical Yeah, so so that you can't I mean, I 1258 01:05:43.199 --> 01:05:45.559 don't even know how you would serve her because there's 1259 01:05:45.559 --> 01:05:49.760 no address for her, the listed the listed address for She. 1260 01:05:49.840 --> 01:05:52.760 Found the perfect scam, didn't she now that she's in 1261 01:05:53.360 --> 01:05:55.880 some kind of protection she's outscrewing others. 1262 01:05:56.920 --> 01:05:57.239 Yeah. 1263 01:05:57.360 --> 01:06:01.760 Now, now the the the judgment I found against them 1264 01:06:02.760 --> 01:06:05.440 and Douglas County is from twenty twenty two. 1265 01:06:07.039 --> 01:06:09.639 And Raoul, have you been able to locate this guy? 1266 01:06:10.559 --> 01:06:11.239 I haven't. 1267 01:06:11.280 --> 01:06:15.400 Tom actually went to his place of residence yesterday and knocked. 1268 01:06:15.079 --> 01:06:18.239 On the door. Oh no, fool and wow. 1269 01:06:18.079 --> 01:06:20.599 And there was no answer. So when I was starting 1270 01:06:20.639 --> 01:06:23.480 to leave the he was in an apartment two to one, 1271 01:06:23.559 --> 01:06:26.880 and a lady came out in the basement apartment and 1272 01:06:26.920 --> 01:06:27.960 said he moved. 1273 01:06:27.719 --> 01:06:29.480 Out suddenly in May. 1274 01:06:30.159 --> 01:06:33.559 And she told me that they're always police and office. 1275 01:06:34.119 --> 01:06:38.800 Hold on, now, is his name spelled Sharon am a 1276 01:06:39.039 --> 01:06:39.920 z u l o. 1277 01:06:41.320 --> 01:06:42.559 No, it's am. 1278 01:06:43.840 --> 01:06:47.039 Z o l a Amazola. 1279 01:06:47.440 --> 01:06:53.119 Raoul am z La. Thank you. 1280 01:06:53.800 --> 01:06:56.519 Now I'm going to look for this guy too. Meanwhile, 1281 01:06:56.559 --> 01:07:00.239 people be warned. I got to take this break. Sharon, please, uh, 1282 01:07:00.280 --> 01:07:02.719 Kashina give her the email at helps so she can 1283 01:07:02.760 --> 01:07:04.920 send that to us. I need to get that information 1284 01:07:04.960 --> 01:07:07.119 for the sleeves for GAD. I'm Tom Martino more coming up. 1285 01:07:11.639 --> 01:07:14.880 Go with a sure thing Denver's best roofer Excel roofing 1286 01:07:15.000 --> 01:07:15.599 dot com. 1287 01:07:15.639 --> 01:07:17.639 You don't pay a cent until you're content. 1288 01:07:21.000 --> 01:07:24.199 Time for an insurance check up free, no obligation comparison 1289 01:07:24.320 --> 01:07:27.880 call Compass Insurance paying too much your coverage at dozens 1290 01:07:27.920 --> 01:07:30.639 of insurance companies find out now three oh three seven 1291 01:07:30.760 --> 01:07:33.559 seven to one help. You'll think you're his only customer 1292 01:07:33.599 --> 01:07:35.840 when you choose Frank durand the real estate man dot 1293 01:07:35.880 --> 01:07:39.159 com to list your home with Remax Alliance three oh 1294 01:07:39.239 --> 01:07:47.800 three nine two zero sixteen twenty two. Hey Tom Martino, 1295 01:07:48.719 --> 01:07:52.519 your troubleshooter. Three O three seven one three talk three 1296 01:07:52.559 --> 01:07:57.000 oh three seven one three eight two five five. Okay, 1297 01:07:58.440 --> 01:08:01.440 let's talk to Ed Ed. You have a question on 1298 01:08:01.480 --> 01:08:02.119 a home title. 1299 01:08:02.159 --> 01:08:04.000 What is it? 1300 01:08:04.199 --> 01:08:04.800 Hi? Tom? 1301 01:08:04.840 --> 01:08:08.320 Hey, good afternoon. Yes, sir paid my house off recently. 1302 01:08:08.400 --> 01:08:11.840 I paid my house off recently, and I was expecting 1303 01:08:11.880 --> 01:08:15.000 some sort of document to say, hey, congratulations, you downright 1304 01:08:15.079 --> 01:08:18.239 own this home. But I'm told you get nothing to 1305 01:08:18.319 --> 01:08:21.560 show your ownership that shift your home is free and clear. 1306 01:08:22.239 --> 01:08:22.920 Is that correct? 1307 01:08:22.920 --> 01:08:26.279 Should I be expecting something? Is there anything that tells 1308 01:08:26.319 --> 01:08:28.079 me this m belongs to it? 1309 01:08:28.439 --> 01:08:29.800 Yes? Yes there is. 1310 01:08:30.560 --> 01:08:34.520 You get a release of deed of trust that's filed 1311 01:08:34.840 --> 01:08:39.680 with the county and they send you a copy. Okay, 1312 01:08:39.680 --> 01:08:41.880 well that's your that's it. That's a release of deed 1313 01:08:41.920 --> 01:08:45.319 of trust. Did you also get the promisory note? They 1314 01:08:45.399 --> 01:08:47.800 usually send you the paid off promisory note. 1315 01:08:50.119 --> 01:08:51.439 I'll have to look for that and see. 1316 01:08:52.760 --> 01:08:55.000 Uh, it's not necessary. 1317 01:08:55.000 --> 01:08:59.079 It's not necessary if you got the release of deed 1318 01:08:59.079 --> 01:08:59.600 of trust. 1319 01:09:00.920 --> 01:09:01.560 But okay. 1320 01:09:02.319 --> 01:09:06.159 Usually usually they record a release of deed of trust 1321 01:09:06.760 --> 01:09:10.399 and they send you the original note mark paid in 1322 01:09:10.479 --> 01:09:13.279 full or a copy of it, mark paid in full. 1323 01:09:16.039 --> 01:09:20.479 Now all these commercials about home titles and things like that, 1324 01:09:20.840 --> 01:09:22.800 now that it's free and clarigo, I have to worry 1325 01:09:22.800 --> 01:09:24.960 about that or is that even more of a concern. 1326 01:09:26.479 --> 01:09:30.399 You always have to worry about people trying to pull 1327 01:09:30.560 --> 01:09:33.880 some scams. But I'll go if you want a listener, 1328 01:09:33.960 --> 01:09:36.880 hang on, I'll go over why you don't need title 1329 01:09:36.880 --> 01:09:39.760 lock or anything like that. I'm Tom Martinez. We have 1330 01:09:39.840 --> 01:09:49.960 more coming up on the Troubleshooter Show. Go with a 1331 01:09:50.039 --> 01:09:53.479 sure Thing Denver's Best Roofer Excel roofing dot com. 1332 01:09:53.520 --> 01:09:55.560 You don't pay a cent until you're content. 1333 01:09:58.920 --> 01:10:02.079 Time for an insurance check cup free no obligation comparison 1334 01:10:02.239 --> 01:10:05.800 call Compass Insurance pay too much your coverage at dozens 1335 01:10:05.800 --> 01:10:08.520 of insurance companies find out now three all three seven 1336 01:10:08.640 --> 01:10:11.439 seven to one help. You'll think you're his only customer 1337 01:10:11.479 --> 01:10:13.720 when you choose Frank durand the real estate man dot 1338 01:10:13.760 --> 01:10:17.079 com to list your home with Remax Alliance three all 1339 01:10:17.119 --> 01:10:19.279 three nine two zero sixteen twenty two. 1340 01:10:24.720 --> 01:10:29.039 D news need advice? 1341 01:10:29.079 --> 01:10:29.880 Who you don't have? 1342 01:10:32.119 --> 01:10:32.399 Come? 1343 01:10:32.560 --> 01:10:37.119 Run in as fast as we can. Shooter's gonna help. 1344 01:10:37.399 --> 01:10:40.159 Coming man, This is. 1345 01:10:40.119 --> 01:10:44.960 The Troubleshooter Show. No Tom Martino, Hi. 1346 01:10:45.119 --> 01:10:48.359 Tom Martino here, Welcome to the show. Three O three 1347 01:10:48.680 --> 01:10:51.399 seven one three talk three all three seven one three 1348 01:10:51.479 --> 01:10:54.359 eight two five five. What's going on with you? And 1349 01:10:54.399 --> 01:10:56.479 how can we help you? We asked this question each 1350 01:10:56.479 --> 01:10:58.319 and every day. This hour brought to you by Waterpros 1351 01:10:58.359 --> 01:11:01.319 dot net. Get the neat plastics out of your water. 1352 01:11:01.399 --> 01:11:04.399 I don't know if you've heard, but nanoplastics are everywhere. 1353 01:11:04.439 --> 01:11:06.239 There's only one system that gets it out. 1354 01:11:06.760 --> 01:11:10.760 The trip will filter reverse osmosis and it's only fourteen 1355 01:11:10.840 --> 01:11:13.319 hundred bucks fully installed, but even better than that. Add 1356 01:11:13.439 --> 01:11:17.079 softening to it and do the whole house system for 1357 01:11:17.239 --> 01:11:19.439 just thirty one ninety five until Labor Day. 1358 01:11:19.479 --> 01:11:20.359 You have to book it. 1359 01:11:20.439 --> 01:11:22.079 You don't have to have it done, but you have 1360 01:11:22.159 --> 01:11:26.680 to call before Labor Day. That's this week only thirty 1361 01:11:26.720 --> 01:11:32.560 one ninety five A great price waterprosnot dot net threeho. 1362 01:11:32.199 --> 01:11:37.159 Three eight six ' two five five five four. I'll 1363 01:11:37.159 --> 01:11:37.560 bring up. 1364 01:11:37.520 --> 01:11:40.319 Jordan Piano in a minute. Here my moneymway dot com. 1365 01:11:40.359 --> 01:11:42.000 I was talking to his dad. I want to talk 1366 01:11:42.039 --> 01:11:45.399 about sacrifices, if any, you make when you do a 1367 01:11:45.439 --> 01:11:49.640 fixed indextinuity as opposed to a regular investment account, pros 1368 01:11:49.680 --> 01:11:53.720 and cons, and then when it's most appropriate for you. Again, 1369 01:11:54.079 --> 01:11:58.399 I don't sell any one thing. I believe in a variety, 1370 01:11:58.560 --> 01:12:01.119 but there are certain times in your life when certain 1371 01:12:01.159 --> 01:12:03.960 products are better than others. Steve wants to talk about 1372 01:12:03.960 --> 01:12:06.159 a car accident and some insurance issues. 1373 01:12:06.239 --> 01:12:07.359 Steve, what's going on? 1374 01:12:09.520 --> 01:12:09.720 Hey? 1375 01:12:10.239 --> 01:12:11.600 Yeah, I was happening Steve. 1376 01:12:13.600 --> 01:12:15.239 It's been a while since I've talked to you. 1377 01:12:16.239 --> 01:12:18.319 Now when we talked last. 1378 01:12:19.560 --> 01:12:23.199 Well, I own a remodeling company. Used to be on 1379 01:12:23.279 --> 01:12:23.720 your list. 1380 01:12:24.239 --> 01:12:26.600 Oh really cool. What's going on now? What was the 1381 01:12:26.800 --> 01:12:28.640 what do you have the remodeling anymore? 1382 01:12:30.359 --> 01:12:30.880 Yes? I do? 1383 01:12:32.079 --> 01:12:33.640 Okay, So what's happening. 1384 01:12:34.279 --> 01:12:38.720 It's well, I was on my way home. Car was 1385 01:12:38.760 --> 01:12:42.760 stopped and I stopped behind it, and the truck behind 1386 01:12:42.800 --> 01:12:43.640 me did not stop. 1387 01:12:44.279 --> 01:12:50.079 Okay, so you were, as they say, you're rear ended. 1388 01:12:51.439 --> 01:12:54.039 I was rear ended and it did drive me into 1389 01:12:54.039 --> 01:12:58.600 the car in front of me. Okay, he admitted he 1390 01:12:58.720 --> 01:13:04.439 miss everything, and the insurance company takes on the responsibility. 1391 01:13:05.479 --> 01:13:10.680 But I'm kind of confused on where that all works, 1392 01:13:11.960 --> 01:13:12.920 because here's. 1393 01:13:12.960 --> 01:13:18.880 Here's what usually happens. Usually it's whoever runs into who 1394 01:13:20.479 --> 01:13:22.720 their insurance covers it. So if the if the guy 1395 01:13:22.840 --> 01:13:28.399 up front was rear ended, unless he did something egregious, 1396 01:13:28.720 --> 01:13:33.800 the guy up front gets paid by the guy that 1397 01:13:33.920 --> 01:13:39.399 hit him, and then it's a chain reaction. However, if 1398 01:13:39.439 --> 01:13:42.159 the guy did something egregious, the guy upfront pays the 1399 01:13:42.199 --> 01:13:45.159 guy who hit him. But that's very seldom the case, 1400 01:13:45.880 --> 01:13:48.920 and it's usually that you're you're they say you're if 1401 01:13:48.960 --> 01:13:51.520 you had a safe distance, you would not have run 1402 01:13:51.520 --> 01:13:55.000 into them. Now, if it was intentional, like break checking 1403 01:13:55.159 --> 01:13:58.880 or something, that's different. But the bottom line is this, 1404 01:14:00.199 --> 01:14:03.960 your insurance will take care of your card you have 1405 01:14:04.039 --> 01:14:09.239 collision and the other person doesn't have adequate coverage, or 1406 01:14:09.640 --> 01:14:12.760 if it's pain and suffering, their liability will take care 1407 01:14:12.800 --> 01:14:16.439 of you. If they don't have enough liability, you're under insured. 1408 01:14:16.479 --> 01:14:20.039 Motorist or in the case of no insurance, uninsured motorist 1409 01:14:20.119 --> 01:14:22.319 coverage would take care of the pain and suffering part. 1410 01:14:22.960 --> 01:14:25.840 So do you have any specific questions? 1411 01:14:27.680 --> 01:14:28.159 I do. 1412 01:14:29.159 --> 01:14:29.399 Yes. 1413 01:14:30.199 --> 01:14:33.920 I put eleven thousand into this truck over the last 1414 01:14:34.000 --> 01:14:38.399 year for a few pumps on it. It's a diesel, 1415 01:14:40.560 --> 01:14:42.960 and the whole front end and new tires in the 1416 01:14:43.039 --> 01:14:48.359 last month, and they're not offered me very much of 1417 01:14:48.399 --> 01:14:49.239 that back. 1418 01:14:50.960 --> 01:14:53.720 They owe you whatever they owe you, They owe you 1419 01:14:53.760 --> 01:15:00.520 whatever you lost. Okay, do you have collision coverage? Do 1420 01:15:00.560 --> 01:15:02.239 you have collision coverage? 1421 01:15:03.000 --> 01:15:03.279 I do. 1422 01:15:04.359 --> 01:15:06.399 You can always truck, you can. 1423 01:15:06.239 --> 01:15:09.279 Always go through your own but your own insurance is 1424 01:15:09.319 --> 01:15:12.079 only going to pay what it's worth. If you add 1425 01:15:12.119 --> 01:15:15.760 stuff to that truck and and really increase the value 1426 01:15:15.840 --> 01:15:18.840 beyond normal, you're supposed to up your insurance. 1427 01:15:20.399 --> 01:15:23.479 Yeah, it was just trucks, like a whole new front 1428 01:15:23.560 --> 01:15:27.439 end that was a month ago, with new tires. 1429 01:15:28.000 --> 01:15:31.680 How many miles on this truck? How many miles and 1430 01:15:32.279 --> 01:15:35.560 two and eighty thousand? Well, you're not going to you're 1431 01:15:35.560 --> 01:15:37.479 not going to get that other stuff. I know what 1432 01:15:37.520 --> 01:15:40.800 you're trying to say. They're they're paying you. They're paying 1433 01:15:40.800 --> 01:15:46.520 you for a very very very old truck. Right, yeah, 1434 01:15:47.079 --> 01:15:50.720 Now the tires, the tires are salvageable. 1435 01:15:51.800 --> 01:15:53.239 Are they going to total the truck? 1436 01:15:54.920 --> 01:15:55.560 They're there. 1437 01:15:55.640 --> 01:15:57.920 The problem is that they're going to toll it and 1438 01:15:58.000 --> 01:15:58.880 I want to keep it. 1439 01:16:00.079 --> 01:16:01.560 Much will it cost to fix. 1440 01:16:03.680 --> 01:16:06.119 If I take it to a body shop? Fifteen thousand 1441 01:16:06.399 --> 01:16:08.159 to replace the bed and the bumper? 1442 01:16:09.439 --> 01:16:11.640 What is that? What year is this? Tell me about 1443 01:16:11.640 --> 01:16:12.119 your truck? 1444 01:16:13.520 --> 01:16:17.000 Twenty ten F two fifty. 1445 01:16:17.600 --> 01:16:20.600 Twenty ten with two hundred over two hundred and eighty 1446 01:16:20.640 --> 01:16:21.800 thousand miles. 1447 01:16:22.760 --> 01:16:24.479 Yeah, I think it's an. 1448 01:16:25.680 --> 01:16:28.479 Well did you say it f two fifty? 1449 01:16:28.880 --> 01:16:29.319 Yes, sir? 1450 01:16:29.880 --> 01:16:34.640 Okay, listen, I know you took no matter. I understand 1451 01:16:34.680 --> 01:16:36.720 you said you took good care of it. But if 1452 01:16:36.720 --> 01:16:39.479 you were to sell that right before the accident, what 1453 01:16:39.520 --> 01:16:40.479 would you get for it? 1454 01:16:42.119 --> 01:16:44.720 I didn't never want to sell it, that's the whole thing. 1455 01:16:45.239 --> 01:16:46.880 Well, you got to prove what it's worth. 1456 01:16:46.920 --> 01:16:47.760 Take care of it. 1457 01:16:48.520 --> 01:16:49.760 You got to prove what it's worth. 1458 01:16:51.079 --> 01:16:53.239 They're not going to hand out money to you. This 1459 01:16:53.399 --> 01:16:55.359 is an old truck. This is not going to be 1460 01:16:55.399 --> 01:16:56.439 worth a lot of money. 1461 01:16:56.760 --> 01:16:59.640 And I do understand that. 1462 01:16:59.800 --> 01:17:02.520 What are they offering you? What are they offering you? 1463 01:17:03.880 --> 01:17:04.760 They're offering me. 1464 01:17:06.560 --> 01:17:11.680 Seventeen twenty two if I if I just take the buyout, 1465 01:17:12.119 --> 01:17:15.039 or seventeen if I keep the truck. 1466 01:17:15.800 --> 01:17:21.159 Okay, and so at seventeen, at seventeen, are you going 1467 01:17:21.199 --> 01:17:21.720 to fix it? 1468 01:17:25.239 --> 01:17:28.760 I can? Yeah. Yeah, the engine's great. 1469 01:17:28.920 --> 01:17:30.239 That's put learning. 1470 01:17:31.239 --> 01:17:34.079 So if they give you seventeen and you can fix it, 1471 01:17:34.199 --> 01:17:36.159 then that's exactly where you should be. 1472 01:17:36.199 --> 01:17:42.479 You broke even I mean, what are you arguing about. 1473 01:17:43.039 --> 01:17:48.840 That's exactly what. That's exactly what. That's how the math 1474 01:17:48.920 --> 01:17:52.840 should work. Very very seldom works out that way. Steve, 1475 01:17:53.319 --> 01:17:56.439 that that's the way the math should work. If your 1476 01:17:56.560 --> 01:18:00.279 truck was totaled and you want to keep it, what 1477 01:18:00.319 --> 01:18:07.439 you get in money should take care of the repairs. Yeah, 1478 01:18:07.479 --> 01:18:09.199 so what's wrong with that picture? 1479 01:18:09.279 --> 01:18:10.600 Then what's wrong with it? 1480 01:18:12.359 --> 01:18:19.720 Part of my argument is they said that if they 1481 01:18:19.840 --> 01:18:22.560 if they get the whole truck, then they pay me 1482 01:18:22.680 --> 01:18:25.760 taxes on it like that, that's right, dollars. 1483 01:18:25.479 --> 01:18:27.439 In taxes because you have to buy another one. 1484 01:18:27.479 --> 01:18:29.039 That's right. That's right. 1485 01:18:29.319 --> 01:18:33.279 If I keep it, they don't pay the taxes, that's 1486 01:18:33.359 --> 01:18:36.439 right because that's not part because it's no longer a 1487 01:18:36.479 --> 01:18:37.520 part of your loss. 1488 01:18:39.800 --> 01:18:43.279 Okay, because I'm confused because what I read from it 1489 01:18:43.359 --> 01:18:49.800 says Colorado revised Statue titled ten Insurance tensh four Dash 1490 01:18:49.960 --> 01:18:54.319 six thirty nine says that doesn't matter that part of 1491 01:18:54.359 --> 01:18:56.000 the taxes is part of that deal. 1492 01:18:58.520 --> 01:19:02.199 The part of the taxes is part of what ya No. 1493 01:19:02.319 --> 01:19:07.039 Caller at the law requires companies to pay sales tax. 1494 01:19:07.119 --> 01:19:10.239 I'm a total vehicle. Regardless of whether the policy alder 1495 01:19:10.319 --> 01:19:11.239 keeps the vehicle. 1496 01:19:13.840 --> 01:19:16.920 It doesn't require them to pay sales taxes. 1497 01:19:18.279 --> 01:19:22.159 Okay, all right, probably right. 1498 01:19:22.199 --> 01:19:25.920 I mean you just read you just read something that 1499 01:19:26.079 --> 01:19:28.640 does not support your argument. 1500 01:19:30.760 --> 01:19:32.079 Yeah, I read it differently. 1501 01:19:34.000 --> 01:19:39.479 Well, they actually though you're you're gonna get You're gonna 1502 01:19:39.560 --> 01:19:41.520 you're gonna get sales tax if you went out to 1503 01:19:41.560 --> 01:19:48.279 buy it. So listen, Steve, I'm here. I still need 1504 01:19:48.319 --> 01:19:51.479 to ask this question. It sucks that this happened to you, 1505 01:19:51.840 --> 01:19:54.439 And if it was a newer truck, you could probably 1506 01:19:54.439 --> 01:19:58.439 get diminished value. I don't know if you can get 1507 01:19:58.439 --> 01:20:00.800 it on a two hundred and eighty thousand mile truck, 1508 01:20:01.439 --> 01:20:04.680 but I will say this, if you can fix that 1509 01:20:04.760 --> 01:20:10.199 truck for the money offering you, that's exactly what's supposed 1510 01:20:10.239 --> 01:20:13.319 to happen. Again, I can't say that enough. I mean, 1511 01:20:14.079 --> 01:20:16.680 what were you thinking? In other words, I don't understand 1512 01:20:16.760 --> 01:20:19.399 if they offered that to you, are you just trying 1513 01:20:19.439 --> 01:20:20.439 to profit from it? 1514 01:20:20.439 --> 01:20:21.720 What's what are you trying to do? 1515 01:20:23.640 --> 01:20:25.159 No, I'm just. 1516 01:20:26.840 --> 01:20:27.479 You're pissed off. 1517 01:20:27.479 --> 01:20:30.159 You're pissed off that they ruined your truck and you 1518 01:20:30.479 --> 01:20:33.159 and you think it sucks that you come out. 1519 01:20:33.039 --> 01:20:36.319 Of this with just the truck fixed, right that? Really? 1520 01:20:36.960 --> 01:20:40.800 No? No, If they would fix that truck, I would 1521 01:20:40.800 --> 01:20:43.920 be happy. But they want to take the truck and 1522 01:20:43.960 --> 01:20:47.640 they want me to forego the repairs I did in 1523 01:20:47.680 --> 01:20:50.560 the last year, which I was Steve, would. 1524 01:20:50.319 --> 01:20:55.600 Be Steve, Steve, you said that for the money they're 1525 01:20:55.600 --> 01:21:00.319 giving you for you keeping the truck seventeen thousand, you 1526 01:21:00.520 --> 01:21:01.119 just told me. 1527 01:21:01.079 --> 01:21:03.399 It was going to cost fifteen to fix that truck. 1528 01:21:04.000 --> 01:21:07.399 That leaves another couple of grand for tires and a 1529 01:21:07.520 --> 01:21:08.159 fuel pump. 1530 01:21:10.439 --> 01:21:12.680 Jill pumps are sixty five hundred on that talk. 1531 01:21:12.800 --> 01:21:16.399 Okay, Steve, if you think, if you think we're going 1532 01:21:16.479 --> 01:21:19.279 to end the conversation now, thank you for calling. If 1533 01:21:19.319 --> 01:21:21.479 this guy thought he was going to get sixty five 1534 01:21:21.560 --> 01:21:23.359 hundred for a fuel pump on a two hundred and 1535 01:21:23.399 --> 01:21:26.439 eighty thousand mile truck. He's got rocks in his head. Okay, 1536 01:21:26.600 --> 01:21:28.920 they're not going to do it all right. You see, 1537 01:21:29.279 --> 01:21:34.199 insurance covers damages, it doesn't cover stupid. 1538 01:21:34.399 --> 01:21:36.600 I'm not calling you stupid. Here's what I mean. 1539 01:21:37.079 --> 01:21:40.800 If you overpaid for something, or or or if you 1540 01:21:41.000 --> 01:21:44.399 chose to invest in something that wasn't worth that much, 1541 01:21:45.560 --> 01:21:46.800 they don't have to cover it. 1542 01:21:47.760 --> 01:21:48.600 They don't have. 1543 01:21:48.560 --> 01:21:54.159 To cover your choices. They just have to cover value value. 1544 01:21:54.640 --> 01:21:58.079 Right now, you can get that truck fixed. In fact, 1545 01:21:58.199 --> 01:22:00.560 if you keep it, you still have your fuel pumps. 1546 01:22:00.600 --> 01:22:03.560 So I don't even understand. You're not even making sense. 1547 01:22:05.239 --> 01:22:06.960 Steve, help me. You understand this. 1548 01:22:08.119 --> 01:22:11.239 If you if they pay you seventeen grand, did he 1549 01:22:11.319 --> 01:22:15.359 hang up? If they pay you seventeen grand, you get 1550 01:22:15.359 --> 01:22:17.479 to keep the truck, so you have your fuel pump. 1551 01:22:17.560 --> 01:22:20.479 Wait a minute, you have your fuel pump in your tires. 1552 01:22:20.920 --> 01:22:23.359 So I don't get it. Why do you have to 1553 01:22:23.359 --> 01:22:25.800 get paid for that? If you get to keep the. 1554 01:22:25.760 --> 01:22:35.960 Truck, I paying five thousand dollars to keep that truck, Steve, Steve, you. 1555 01:22:36.279 --> 01:22:41.479 Are getting seventeen thousand dollars plus the truck. 1556 01:22:42.359 --> 01:22:44.119 The repairs are. 1557 01:22:44.000 --> 01:22:47.800 Well within the seventeen grand plus. You still have the 1558 01:22:47.880 --> 01:22:51.359 new fuel pump you paid for, and you have the 1559 01:22:51.399 --> 01:22:56.159 new tires you paid for. You are making zero sense. Okay, 1560 01:22:56.600 --> 01:22:59.600 zero sense. Sorry, I'm Tom Martino. 1561 01:22:59.720 --> 01:23:00.479 Moore it up. 1562 01:23:05.920 --> 01:23:09.199 Go with a sure thing Denver's best roofer Excel Roofing 1563 01:23:09.319 --> 01:23:11.960 dot com. You don't pay a cent until you're content. 1564 01:23:15.319 --> 01:23:18.520 Time for an insurance checkup free, no obligation. In comparison, 1565 01:23:18.640 --> 01:23:22.199 call Compass Insurance paying too much your coverage at dozens 1566 01:23:22.199 --> 01:23:24.920 of insurance companies find out now three all three seven 1567 01:23:24.960 --> 01:23:27.319 to seven to one help. You'll think you're his only 1568 01:23:27.399 --> 01:23:29.880 customer when you choose Frank durand the real estate Man 1569 01:23:29.920 --> 01:23:33.359 dot com to list your home with Remax Alliance three 1570 01:23:33.359 --> 01:23:37.560 all three nine two zero sixteen twenty two. I want 1571 01:23:37.560 --> 01:23:39.800 to make a programming note, and that is on a 1572 01:23:39.840 --> 01:23:41.560 car accident, any accident. 1573 01:23:42.159 --> 01:23:44.279 It sucks. Okay, if it's. 1574 01:23:44.199 --> 01:23:47.880 A newer vehicle or not necessarily newer but not so used, 1575 01:23:48.199 --> 01:23:51.800 you would get diminished value, okay if you wanted to 1576 01:23:51.840 --> 01:23:55.520 fix it. But if anyone wants to total your vehicle, 1577 01:23:56.159 --> 01:23:59.039 because that's what that car was worth a minute before 1578 01:23:59.159 --> 01:24:04.199 you wrecked it, they have a right to pay you 1579 01:24:04.640 --> 01:24:08.039 the value of that truck or car. If you disagree 1580 01:24:08.119 --> 01:24:09.800 with that, you can go to an expert and get 1581 01:24:09.840 --> 01:24:14.279 it appraise. But maintenance doesn't usually work into the value. 1582 01:24:14.359 --> 01:24:17.399 It does a little if you had something major. But 1583 01:24:17.720 --> 01:24:21.479 here's the thing. If you're going to keep the truck, 1584 01:24:23.319 --> 01:24:27.720 then you're, in essence, they're totaling it and you're buying 1585 01:24:27.800 --> 01:24:28.199 it back. 1586 01:24:28.239 --> 01:24:29.399 That's really what's happening. 1587 01:24:30.199 --> 01:24:34.279 When he bought it back, the net dollars he was 1588 01:24:34.319 --> 01:24:38.600 getting is seventeen grand. Now he thought, in addition to that, 1589 01:24:38.680 --> 01:24:41.119 he should get the sixty five hundred for his fuel 1590 01:24:41.159 --> 01:24:44.399 pump and the money he put in for tires. 1591 01:24:44.880 --> 01:24:46.199 But he is getting that. 1592 01:24:46.920 --> 01:24:49.640 He's getting the fuel pump with the truck and the 1593 01:24:49.680 --> 01:24:50.880 new tires with the truck. 1594 01:24:51.399 --> 01:24:53.079 So I don't understand why he. 1595 01:24:53.039 --> 01:24:56.399 Felt he had to be reimbursed for those things. They're 1596 01:24:56.439 --> 01:25:01.880 in essence saying to him, here's the truck. We'll pay 1597 01:25:01.920 --> 01:25:06.880 you seventeen grand for the damages we did, less the salvage. 1598 01:25:07.520 --> 01:25:09.960 Anyway, it always happens. 1599 01:25:09.560 --> 01:25:13.079 This way people, And I'll tell you why, because he 1600 01:25:13.119 --> 01:25:16.079 does have a good point. He had a perfectly good 1601 01:25:16.119 --> 01:25:17.560 truck before the accident. 1602 01:25:17.640 --> 01:25:20.119 Now it sucks, it really does. 1603 01:25:20.680 --> 01:25:22.520 Patty's got an issue with Sentry Link. 1604 01:25:22.600 --> 01:25:28.359 What's going on? Patty? 1605 01:25:28.399 --> 01:25:35.079 Patty, what's happening? And if she go ahead, Hi, Patty, 1606 01:25:35.119 --> 01:25:36.560 what's going on? What's happening? 1607 01:25:38.520 --> 01:25:42.680 Well up here, you helped us once before in our community, 1608 01:25:42.720 --> 01:25:46.600 Pinewood Springs, we have a Century Link landline, had it 1609 01:25:46.720 --> 01:25:49.760 for twenty eight years up here, okay, and it's always 1610 01:25:49.760 --> 01:25:52.239 been it's always been reliable. 1611 01:25:53.600 --> 01:25:56.760 You still hear me, ton, Yeah, but they don't maintain 1612 01:25:56.840 --> 01:25:57.479 him anymore. 1613 01:26:00.159 --> 01:26:05.079 We're fine here, they don't maintain the Actually we're on 1614 01:26:05.119 --> 01:26:08.640 the other landline with Century Link trying to tell them 1615 01:26:09.079 --> 01:26:12.920 we had power outage last Friday last and for about 1616 01:26:12.920 --> 01:26:16.720 two and a half hours during that time, nothing that 1617 01:26:16.920 --> 01:26:21.760 we couldn't access cell phones if there had been fire 1618 01:26:22.000 --> 01:26:26.239 or medical emergency. No backup from these batteries that supply 1619 01:26:26.359 --> 01:26:27.600 our landline. Backup. 1620 01:26:28.880 --> 01:26:32.039 Hold on, hold on, Patty, yeah, once before, hold on, hold. 1621 01:26:31.880 --> 01:26:36.840 On, hold on. You have a landline with Sentry Link. 1622 01:26:36.760 --> 01:26:43.039 Right, okay? Then then what about do you have a 1623 01:26:43.079 --> 01:26:43.840 cell phone too? 1624 01:26:46.640 --> 01:26:48.880 We have a cell on it right now to you. Well, 1625 01:26:48.880 --> 01:26:51.279 my wife's on the landline talk in the century right. 1626 01:26:51.600 --> 01:26:54.359 May I ask why you have a landline still? I'm 1627 01:26:54.399 --> 01:26:55.479 just curious. 1628 01:26:58.760 --> 01:27:00.800 Mountains where pine with springs. 1629 01:27:01.119 --> 01:27:04.239 When the power goes off for any reason, and last 1630 01:27:04.319 --> 01:27:07.640 week it was a lightning strike somewhere down around Lions. 1631 01:27:08.000 --> 01:27:10.119 When the power goes out for any reason. 1632 01:27:10.199 --> 01:27:16.119 Why when the power goes out, then use our landline. 1633 01:27:16.159 --> 01:27:18.960 It was always battery backed up at the main section 1634 01:27:19.119 --> 01:27:22.319 here off the highway thirty six years a cluster where 1635 01:27:22.399 --> 01:27:25.000 all the wires to our Latin Cannattie. 1636 01:27:26.039 --> 01:27:29.840 I still don't understand. Listen, I just want to understand. 1637 01:27:30.199 --> 01:27:30.840 You have a. 1638 01:27:30.880 --> 01:27:38.720 Landline, so you can use it during a power outage. Yes, 1639 01:27:39.520 --> 01:27:43.640 why can't you use your cell phone? 1640 01:27:43.920 --> 01:27:48.079 Because we recently got cell powers. Between the town of 1641 01:27:48.159 --> 01:27:51.640 Lions and Estes twenty miles, they put up cell towers. 1642 01:27:52.039 --> 01:27:56.880 The towers are now at and T Verizon. Verizon gave 1643 01:27:56.960 --> 01:27:59.359 us one of those little boosters for the house. But 1644 01:27:59.520 --> 01:28:02.600 when the hour went out, all those powers went out. 1645 01:28:03.079 --> 01:28:05.000 There's no cell phone connection. 1646 01:28:05.479 --> 01:28:06.039 I get it. 1647 01:28:06.520 --> 01:28:09.880 I get it, okay, And now now now I understand, 1648 01:28:10.159 --> 01:28:13.399 so Patty, Patty, and also your your your cell phone 1649 01:28:13.560 --> 01:28:16.159 is kind of spotty in the mountains are because I'm 1650 01:28:16.199 --> 01:28:19.720 not hearing all of you. But but here's the here's 1651 01:28:19.760 --> 01:28:25.079 the unfortunate reality. Okay, Century Link and I know what 1652 01:28:25.079 --> 01:28:29.720 you're gonna get does not have to provide landlines. And 1653 01:28:29.760 --> 01:28:33.520 if you don't like what they're providing, they don't have 1654 01:28:33.600 --> 01:28:40.319 to make it better for you. But they they offer 1655 01:28:40.359 --> 01:28:46.840 a service. If that service sucks, you cancel it. In 1656 01:28:46.880 --> 01:28:49.640 other words, this is the this is the reality of 1657 01:28:49.720 --> 01:28:54.359 growing pains in technology. You're saying, I have a contract 1658 01:28:54.399 --> 01:28:57.720 with them, they must provide me with service, and you're right, 1659 01:28:58.319 --> 01:28:58.800 you're right. 1660 01:28:59.560 --> 01:29:00.159 Okay. 1661 01:29:00.600 --> 01:29:04.640 However, if they decide and it's not like they take 1662 01:29:04.680 --> 01:29:07.800 a vote on it, but if they're losing money and 1663 01:29:07.840 --> 01:29:10.199 they don't want to put a lot of money into 1664 01:29:10.239 --> 01:29:14.720 the infrastructure for landlines, they don't have to. So then 1665 01:29:14.800 --> 01:29:17.640 you would say, well, wait a minute, I have a contract, 1666 01:29:18.039 --> 01:29:22.560 So what are your options if they breach your contract? 1667 01:29:23.319 --> 01:29:26.319 Your option would be for you to break the contract 1668 01:29:26.439 --> 01:29:30.920 and stop paying, okay, which you can do at any time. 1669 01:29:30.960 --> 01:29:33.680 They're not going to make you pay. If you say 1670 01:29:33.720 --> 01:29:37.279 I don't want the service anymore, then you both part company. 1671 01:29:37.800 --> 01:29:40.399 What you can't do is what I think you're trying 1672 01:29:40.479 --> 01:29:45.239 to do. You can't force them to perform it's called 1673 01:29:45.359 --> 01:30:00.199 specific performance. You can't force someone to perform. It sucks 1674 01:30:00.239 --> 01:30:03.960 because you're depending you're depending on this landline. 1675 01:30:04.640 --> 01:30:08.239 It sucks. I get it. 1676 01:30:08.039 --> 01:30:11.680 But yeah, yeah, got hit this. 1677 01:30:12.359 --> 01:30:15.520 No, No, I agree with you that you expect them 1678 01:30:15.560 --> 01:30:19.600 to come through with their service. So well maybe they will. 1679 01:30:19.920 --> 01:30:22.439 Will they fix the battery packs or whatever? 1680 01:30:26.520 --> 01:30:27.239 Yeah? 1681 01:30:27.279 --> 01:30:30.319 And I am you saying that country Link. You know 1682 01:30:30.720 --> 01:30:33.079 we've done this before. We've talked with you, You've helped 1683 01:30:33.119 --> 01:30:38.000 us in the past. And one of our firefighters here 1684 01:30:38.039 --> 01:30:40.640 down at the firehouse told me the other day, he goes, well, 1685 01:30:40.760 --> 01:30:45.039 they would love us all to drop our landlines up 1686 01:30:45.039 --> 01:30:48.159 here because these battery packs at the community, they're very 1687 01:30:48.199 --> 01:30:51.479 expensive to come up here and to dig or to 1688 01:30:51.600 --> 01:30:55.760 do repairs, very expensive. I understand what you're saying. They 1689 01:30:56.479 --> 01:31:01.359 are obligated. They're just basically pressure me by non service 1690 01:31:02.239 --> 01:31:03.000 to drop them. 1691 01:31:03.479 --> 01:31:07.000 That's right that you hit it right on the head, Patty, 1692 01:31:07.399 --> 01:31:10.840 you hit it right on the head. But there's nothing 1693 01:31:10.880 --> 01:31:13.880 to prov but here. Here's what I don't know what 1694 01:31:14.000 --> 01:31:15.720 to do in a power out of Joe. I don't 1695 01:31:15.720 --> 01:31:16.520 know what to tell you. 1696 01:31:17.119 --> 01:31:20.760 I really don't. I mean, I'm surprised that the cell towers. 1697 01:31:21.079 --> 01:31:25.199 I'm surprised that the cell towers don't have battery backups. 1698 01:31:27.920 --> 01:31:32.159 That's something that where Towers came in about years ago 1699 01:31:32.279 --> 01:31:35.520 and they just started up the service at and T 1700 01:31:35.840 --> 01:31:38.479 was a great provider they and then I talked to 1701 01:31:38.520 --> 01:31:41.600 my Verizon carrier and says, well, we're gonna switch now 1702 01:31:41.680 --> 01:31:42.920 because you guys aren't. 1703 01:31:42.680 --> 01:31:43.039 Part of this. 1704 01:31:43.279 --> 01:31:45.680 Well, they got part of the system. So that's what 1705 01:31:45.840 --> 01:31:49.479 I'm talking to you now. Which even on my little 1706 01:31:49.560 --> 01:31:52.399 cheap track phone, I can make calls as long as 1707 01:31:52.399 --> 01:31:56.439 those towers operate. We are bouncing signals and we're doing great. 1708 01:31:56.840 --> 01:31:59.640 But mister Martinez, I won't keep you. You've made a 1709 01:31:59.680 --> 01:32:02.199 good point that they are not obligated. 1710 01:32:02.640 --> 01:32:04.840 But it was my feeling that you know. 1711 01:32:04.720 --> 01:32:07.560 They're saying, well, let's not do anything and the guy 1712 01:32:07.600 --> 01:32:11.079 will drop us. That is a terrible business. 1713 01:32:11.239 --> 01:32:15.560 You know, really it really isn't terrible anymore because they 1714 01:32:15.600 --> 01:32:19.399 don't want the business anymore. I mean, in other words, 1715 01:32:19.520 --> 01:32:22.880 it's a pain in their ass. 1716 01:32:23.000 --> 01:32:23.640 Yeah. 1717 01:32:23.840 --> 01:32:28.359 Yeah, Well hopefully, like I said up here, if you 1718 01:32:28.439 --> 01:32:30.680 get a generator, and there were a couple of homes 1719 01:32:30.760 --> 01:32:33.760 that run off of generators when the power goes off, 1720 01:32:34.760 --> 01:32:38.000 we need to we'd have to go with pro pain 1721 01:32:38.880 --> 01:32:43.119 to support say a genera generator. But for twenty eight 1722 01:32:43.199 --> 01:32:46.520 years we've never had the emergency issues. As long as 1723 01:32:46.560 --> 01:32:49.199 there was a landline, we were always good to go. 1724 01:32:49.279 --> 01:32:52.000 But at Tay Steve, have you ever thought of doing 1725 01:32:52.039 --> 01:32:54.960 a solar system, an off grid solar system. 1726 01:32:56.960 --> 01:32:59.840 We've got some of those that are I would have 1727 01:33:00.039 --> 01:33:03.000 to uh really look into that soul. 1728 01:33:03.199 --> 01:33:04.000 Now you can listen. 1729 01:33:04.079 --> 01:33:07.520 You can do a solar system with battery backups and 1730 01:33:07.600 --> 01:33:11.720 there are with people, there are some really good ones available. 1731 01:33:11.960 --> 01:33:15.920 I'm serious now, I'm not look at I'm not telling you. 1732 01:33:15.920 --> 01:33:18.039 You're wondering why do I have to put up with this? 1733 01:33:18.680 --> 01:33:22.560 And I know why you're thinking this, Oh well, because 1734 01:33:22.920 --> 01:33:26.479 really we're all caught up with this technology thing. There 1735 01:33:26.520 --> 01:33:28.439 are a lot of things that are going to start 1736 01:33:28.479 --> 01:33:31.319 going away and we're gonna be pissed off about it, 1737 01:33:31.720 --> 01:33:32.359 but we have. 1738 01:33:32.399 --> 01:33:33.920 No choice in the matter. 1739 01:33:34.319 --> 01:33:36.880 They're just being phased out and they're not going to 1740 01:33:36.960 --> 01:33:39.800 support him anymore, you know. 1741 01:33:39.960 --> 01:33:44.039 So anyway I told yeah, we yeah, all right, Well 1742 01:33:44.039 --> 01:33:46.000 I hope that people are and I know they do 1743 01:33:46.119 --> 01:33:48.760 listen to your program and they have heard this and 1744 01:33:48.840 --> 01:33:52.000 if they have such issues, well then maybe I've helped 1745 01:33:52.000 --> 01:33:56.000 them too. They know well it's gonna go away. 1746 01:33:55.840 --> 01:33:57.880 And uh, we'll just have to live with it. 1747 01:33:58.319 --> 01:34:01.359 But we'll look into that solar. That solar directly to 1748 01:34:01.399 --> 01:34:04.079 a battery makes more sense than me putting that pro paint. 1749 01:34:04.720 --> 01:34:06.000 Yeah, now listen to this. 1750 01:34:06.279 --> 01:34:10.399 If you want to do that, call a redrocksars dot com, 1751 01:34:10.560 --> 01:34:13.600 that solar company, or Probidenergy dot com. 1752 01:34:13.640 --> 01:34:14.359 Either one of them. 1753 01:34:14.840 --> 01:34:22.760 Okay, so it's Probidenergy dot com or Redrocks r s 1754 01:34:23.239 --> 01:34:25.199 dot com. Either one of them can help you. We 1755 01:34:25.279 --> 01:34:33.199 got more coming up. Go with a sure thing Denver's 1756 01:34:33.279 --> 01:34:35.560 Best roofer Excel roofing dot com. 1757 01:34:35.600 --> 01:34:37.640 You don't pay a cent until you're content. 1758 01:34:41.000 --> 01:34:44.159 Time for an insurance check up free no obligation comparison 1759 01:34:44.319 --> 01:34:47.880 call Compass Insurance. Pay too much your coverage at dozens 1760 01:34:47.880 --> 01:34:50.600 of insurance companies find out now three O three seven 1761 01:34:50.600 --> 01:34:52.960 to seven to one help. You'll think you're his only 1762 01:34:53.079 --> 01:34:55.520 customer when you choose Frank durand the real estate Man 1763 01:34:55.560 --> 01:34:59.039 dot com to list your home with Remax Alliance three 1764 01:34:59.039 --> 01:35:05.159 oh three nine two zero sixteen twenty two. Hi TL Marchino, 1765 01:35:05.319 --> 01:35:09.760 you're troubleshooter three oh three seven one three talk three 1766 01:35:09.800 --> 01:35:12.479 oh three seven one three eight two five five. 1767 01:35:14.680 --> 01:35:15.439 Okay, So. 1768 01:35:17.239 --> 01:35:20.319 We have Jeff who has an issue with a car accident. 1769 01:35:21.359 --> 01:35:23.079 Go ahead, Jeff, what's going on? 1770 01:35:24.239 --> 01:35:25.279 Hey? Tom? How are you? 1771 01:35:25.760 --> 01:35:27.399 Good man? What's happening is this? 1772 01:35:27.560 --> 01:35:27.720 Uh? 1773 01:35:27.960 --> 01:35:31.800 I gotta I gotta stop you one for you. I'll 1774 01:35:31.800 --> 01:35:34.680 try to be as quick and sixcinct as possible. I 1775 01:35:34.720 --> 01:35:39.439 was in an accident involving total of three cars. Car 1776 01:35:39.520 --> 01:35:44.399 A which is the idiot hit car B, CARB hit me. 1777 01:35:45.439 --> 01:35:45.680 Yeah. 1778 01:35:45.760 --> 01:35:48.760 This guy was going like sixty miles an hour in 1779 01:35:48.840 --> 01:35:53.439 a thirty at a stop light. We were all to 1780 01:35:53.560 --> 01:36:00.800 stop light, so I get out. The guy truck behind me, 1781 01:36:00.880 --> 01:36:05.680 big f one fifty XL got hit by a dodge. Uh, 1782 01:36:05.800 --> 01:36:06.920 some kind of a dodge. 1783 01:36:07.239 --> 01:36:08.119 Yeah. Well whatever. 1784 01:36:08.199 --> 01:36:10.319 The guy that hit you is responsible to you. The 1785 01:36:10.319 --> 01:36:12.720 guy that hit him is responsible to him. 1786 01:36:13.199 --> 01:36:15.840 Well, oh that's a lot. Okay. 1787 01:36:15.880 --> 01:36:18.199 So the guy that wait, wait, wait, who's telling you 1788 01:36:18.239 --> 01:36:19.000 differently than that? 1789 01:36:19.960 --> 01:36:24.640 Okay? The guy that caused the accident didn't admit, you know, 1790 01:36:24.680 --> 01:36:27.960 he admitted he was wrong. He had an insurance company 1791 01:36:28.000 --> 01:36:34.439 out of Texas called Trexas. Now they are telling me. 1792 01:36:36.520 --> 01:36:36.600 That. 1793 01:36:38.840 --> 01:36:42.439 Okay, first yet, guy, just tell me, just tell me 1794 01:36:42.520 --> 01:36:43.279 what they're telling you. 1795 01:36:43.399 --> 01:36:44.600 BRN, What are they telling. 1796 01:36:44.479 --> 01:36:46.279 Okay, well they called me a couple of weeks, so 1797 01:36:46.399 --> 01:36:49.119 finally it was about what did they tell you? Going 1798 01:36:49.159 --> 01:36:53.760 on for two months now? They offered me four dollars 1799 01:36:53.800 --> 01:36:54.960 for totaling my car. 1800 01:36:55.319 --> 01:36:57.800 Wait a minute, so car A is going to pay 1801 01:36:57.840 --> 01:36:58.560 for all of them? 1802 01:37:00.239 --> 01:37:05.199 Well they are, okay? Okay, Well hold on. 1803 01:37:05.479 --> 01:37:08.319 Jeff, Jeff, Normally, normally. 1804 01:37:08.279 --> 01:37:12.119 That doesn't happen so easily that that car A would 1805 01:37:12.159 --> 01:37:16.199 take the responsibility like that. So are we we're not 1806 01:37:16.359 --> 01:37:20.239 talking about responsibility here now, we're talking about the value. 1807 01:37:20.279 --> 01:37:21.760 Is that what we're down to right now? 1808 01:37:21.800 --> 01:37:24.640 Because this happens all the time that they're offering you 1809 01:37:24.680 --> 01:37:26.079 a price you don't think is fair? 1810 01:37:26.199 --> 01:37:26.680 Is that it? 1811 01:37:27.079 --> 01:37:27.159 No? 1812 01:37:27.319 --> 01:37:28.920 Actually I was okay at the price. 1813 01:37:29.439 --> 01:37:31.199 Okay, then what's the issue? 1814 01:37:31.680 --> 01:37:35.000 Well, she said, well, here's the problem. 1815 01:37:35.359 --> 01:37:36.840 Are they totally your vehicle? 1816 01:37:37.640 --> 01:37:40.119 They toted my vehicle, which I can keep. 1817 01:37:41.079 --> 01:37:43.199 Okay, So I'm okay with It's not that bad. 1818 01:37:44.159 --> 01:37:46.840 It's a bit, it's a mess up bumper. They shattered 1819 01:37:46.840 --> 01:37:51.359 my back window and put fits in my back Okay, So. 1820 01:37:51.319 --> 01:37:52.800 What's the real issue? Hold on? 1821 01:37:52.840 --> 01:37:54.279 I want you to tell me the real issue, but 1822 01:37:54.319 --> 01:37:56.319 I got to take a break. I really want to 1823 01:37:56.319 --> 01:37:58.319 hear this three oh three seven to one three talks 1824 01:37:58.319 --> 01:38:00.439 seven one three eight two five five. You know we 1825 01:38:00.520 --> 01:38:03.920 have been slammed with calls, and I'm sorry Jordan with 1826 01:38:04.000 --> 01:38:07.000 my money Myway dot com. I'm not getting to right now, 1827 01:38:07.039 --> 01:38:09.439 and I'm gonna try. I talk to his dad a 1828 01:38:09.439 --> 01:38:12.840 little Joe Piano, and I'll try to get to him, 1829 01:38:12.840 --> 01:38:14.640 but we have another hour to go as well. I 1830 01:38:14.720 --> 01:38:16.960 just want to remind people, and I do have some 1831 01:38:17.039 --> 01:38:19.920 text questions for him. But Jeff, I want to get 1832 01:38:19.920 --> 01:38:21.840 to the issue in your accident and let's get you 1833 01:38:21.920 --> 01:38:30.000 some help. I'm Tom Martine Moore coming up. Go with 1834 01:38:30.079 --> 01:38:33.640 a sure thing Denver's Best roofer Excel Roofing dot com. 1835 01:38:33.680 --> 01:38:39.399 You don't pay a cent until you're content. Time for 1836 01:38:39.439 --> 01:38:43.199 an insurance checkup free, no obligation. In comparison, call Compass 1837 01:38:43.239 --> 01:38:46.520 Insurance paying too much your coverage at dozens of insurance 1838 01:38:46.560 --> 01:38:49.039 companies find out now three all three seven to seven 1839 01:38:49.039 --> 01:38:51.800 to one help. You'll think you're his only customer when 1840 01:38:51.840 --> 01:38:54.319 you choose Frank durand the real estate Man dot com 1841 01:38:54.359 --> 01:38:57.479 to list your home with Remax Alliance three oh three 1842 01:38:57.560 --> 01:38:59.239 nine two zero sixteen twenty two. 1843 01:39:01.680 --> 01:39:02.680 Hey, I'm Tom Martine. 1844 01:39:02.760 --> 01:39:05.359 You're troubleshooter three O three seven one three talk seven 1845 01:39:05.399 --> 01:39:09.359 one three eight two five to five. Jeff, So these guys, 1846 01:39:09.399 --> 01:39:12.399 what is the issue. You're you're not disputing the money, 1847 01:39:12.479 --> 01:39:14.079 keeping the car, getting it fixed. 1848 01:39:14.520 --> 01:39:15.279 What's the issue? 1849 01:39:16.079 --> 01:39:19.960 No, I'm not even a fixer anyway. Here's the deal. So, 1850 01:39:20.359 --> 01:39:23.560 well they offered it. She goes, well, but there's a problem. 1851 01:39:24.439 --> 01:39:27.159 The guy that was pushed into me with his car 1852 01:39:27.239 --> 01:39:31.479 b he still had a loan on his truck, so 1853 01:39:31.520 --> 01:39:35.359 he had full coverage, so they must have offered him something. 1854 01:39:35.439 --> 01:39:37.560 He said, nope, I'm going to go through my own 1855 01:39:37.600 --> 01:39:42.399 insurance company. So she goes, well, you may get lesser, 1856 01:39:42.920 --> 01:39:44.720 you may get less money now because of this. 1857 01:39:45.479 --> 01:39:48.680 You know why, right? Do you know why? 1858 01:39:48.720 --> 01:39:51.399 Well, I'll tell you. 1859 01:39:51.479 --> 01:39:53.479 Let me just tell you why. Let me tell you why. 1860 01:39:53.520 --> 01:39:55.199 It was with a crapload of money. 1861 01:39:55.039 --> 01:39:56.000 For one Jeff. 1862 01:39:56.399 --> 01:39:58.760 Jeff, listen carefully, I'm just going to cut to the 1863 01:39:58.880 --> 01:40:03.760 quick here. He has a limited amount of liability, so 1864 01:40:04.039 --> 01:40:07.439 what they were doing is dividing up the money between 1865 01:40:07.439 --> 01:40:10.880 the two of you. If this guy said, this guy said, 1866 01:40:10.920 --> 01:40:13.000 I'm not taking it. I'm going to go through my 1867 01:40:13.039 --> 01:40:16.239 own insurance and then his insurance is going to. 1868 01:40:16.319 --> 01:40:19.239 Sue that party. That's called subrogation. 1869 01:40:19.960 --> 01:40:23.800 And if they get more money, you get less money. 1870 01:40:24.279 --> 01:40:25.520 And they're telling you the. 1871 01:40:25.399 --> 01:40:31.640 True they're giving him twenty eight dollars, yeah, which is 1872 01:40:31.680 --> 01:40:34.760 over to twenty five. So I'm like, what, I don't 1873 01:40:34.760 --> 01:40:36.560 get that? What do I get zero? 1874 01:40:37.960 --> 01:40:42.079 No, you don't get zero. But you can only get 1875 01:40:42.680 --> 01:40:45.920 Here's what you have to understand. You can only you 1876 01:40:46.000 --> 01:40:47.119 can only. 1877 01:40:46.840 --> 01:40:52.199 Get what coverage they have, plus go after the owner. 1878 01:40:52.520 --> 01:40:56.640 Okay, but you have to make a choice if the 1879 01:40:56.880 --> 01:41:00.520 owner of a let's stay. Let's just make it simple. 1880 01:41:00.600 --> 01:41:02.880 Let's say they have twenty thousand in coverage. I know 1881 01:41:02.920 --> 01:41:04.920 they have more, but let's just say it's twenty thousands. 1882 01:41:05.039 --> 01:41:06.239 She said it was twenty five. 1883 01:41:07.239 --> 01:41:10.319 That's all he has in liability. 1884 01:41:10.439 --> 01:41:13.560 Yeah, the state, the statement of them whatever. 1885 01:41:13.439 --> 01:41:14.520 If that's the case. 1886 01:41:14.600 --> 01:41:18.880 Said, if that's the case, okay, you're not going to 1887 01:41:18.960 --> 01:41:22.359 get and that guy gets twenty five, you're not going 1888 01:41:22.439 --> 01:41:23.439 to get anything. 1889 01:41:23.880 --> 01:41:25.560 That's right, That's exactly right. 1890 01:41:26.279 --> 01:41:30.960 But well, Jeff, you know, where does the money come from. 1891 01:41:31.600 --> 01:41:32.800 It doesn't come from heaven. 1892 01:41:33.800 --> 01:41:36.159 One thing I don't understand is the guy that caused 1893 01:41:36.199 --> 01:41:39.399 the accident still had a temp plate on his truck. 1894 01:41:40.800 --> 01:41:43.640 I highly doubt he paid a cash for it. I 1895 01:41:43.720 --> 01:41:45.600 highly doubt it he has What does that mean? 1896 01:41:47.439 --> 01:41:52.439 What do you think full coverage could be the state minimum? 1897 01:41:52.680 --> 01:41:56.560 Damn man, Listen, Jeff, Jeff, you just. 1898 01:41:56.439 --> 01:42:00.239 Getting nothing out of an as I had insurance, Jeff, but. 1899 01:42:00.279 --> 01:42:05.880 Nothing, Jeff, Well, I don't even know what you're talking about. 1900 01:42:06.319 --> 01:42:09.399 If the guy who calls, Jeff, if the guy who 1901 01:42:09.439 --> 01:42:14.000 calls the accident listen to this carefully, if he doesn't 1902 01:42:14.039 --> 01:42:20.479 have enough coverage for all of you, they can decide 1903 01:42:20.520 --> 01:42:27.039 to pay only the guy that they hit, okay, and 1904 01:42:26.800 --> 01:42:29.560 and if they don't have any more money, you have 1905 01:42:29.640 --> 01:42:34.560 a choice. You can use your own collision coverage, or 1906 01:42:35.119 --> 01:42:37.680 you can go after the guy in car B that 1907 01:42:37.840 --> 01:42:41.960 hit you, or you can go after the guy in 1908 01:42:42.039 --> 01:42:46.159 car A. The fact that he doesn't have insurance doesn't 1909 01:42:46.199 --> 01:42:47.479 mean he's not liable. 1910 01:42:47.520 --> 01:42:50.880 He could still be liable. But does he have. 1911 01:42:50.800 --> 01:42:54.960 Any money if you go after him? You see, it's 1912 01:42:55.039 --> 01:42:58.880 not that you're not entitled to the money. You are 1913 01:42:59.279 --> 01:43:02.560 entitled to it, but you're only entitled to it if 1914 01:43:02.600 --> 01:43:06.000 you can get it. If there's no money, you can't 1915 01:43:06.039 --> 01:43:09.600 get it. Let's just say some you know, like like, 1916 01:43:10.039 --> 01:43:11.880 I don't know how to explain this to you, but 1917 01:43:12.079 --> 01:43:15.399 if if those cars were driven by poor people with 1918 01:43:15.520 --> 01:43:18.359 no insurance, you would get nothing. 1919 01:43:20.319 --> 01:43:22.680 That's life, all. 1920 01:43:22.640 --> 01:43:26.039 Right, you know. Well that's what it seems to be anyway. 1921 01:43:26.479 --> 01:43:30.520 That's why listen, Jeff, that's why you got to carry 1922 01:43:30.520 --> 01:43:31.359 your own insurance. 1923 01:43:31.520 --> 01:43:32.960 Do you have collision coverage? 1924 01:43:34.039 --> 01:43:34.239 Well? 1925 01:43:34.279 --> 01:43:36.439 I had, I had state minimum coverage. 1926 01:43:36.840 --> 01:43:39.600 Okay, well then you have the same thing these people have. 1927 01:43:39.840 --> 01:43:42.000 Let me put it on you. What if you ran 1928 01:43:42.079 --> 01:43:45.119 into somebody and they ran into somebody. What if you 1929 01:43:45.199 --> 01:43:46.920 were the guy in the in the back of this 1930 01:43:47.000 --> 01:43:51.560 line and you caused the accident, and you have state minimums? Right, 1931 01:43:52.479 --> 01:43:55.239 how would you pay more than what you have in coverage? 1932 01:43:55.279 --> 01:43:57.119 How would you do it? Would you sell your house? 1933 01:43:59.279 --> 01:43:59.560 Well? 1934 01:43:59.600 --> 01:44:02.039 You know, get that flash. 1935 01:44:02.079 --> 01:44:04.159 I've put out three hundred of my own money already. 1936 01:44:04.960 --> 01:44:07.760 Listen, Jeff, I had to fix the back windows. 1937 01:44:07.800 --> 01:44:11.399 There's nothing fair. There's nothing fair about any of this. 1938 01:44:12.159 --> 01:44:15.720 I'm not saying it's fair that the minimums are way 1939 01:44:15.760 --> 01:44:18.600 too low. Okay, that's just the. 1940 01:44:18.520 --> 01:44:19.000 Way it is. 1941 01:44:20.479 --> 01:44:23.760 Go with a sure thing. Denver's Best Roofer Excel Roofing 1942 01:44:23.880 --> 01:44:26.479 dot com. You don't pay a cent until you're content, 1943 01:44:28.119 --> 01:44:33.079 leave time for an insurance checkup free, no obligation. In comparison, 1944 01:44:33.199 --> 01:44:36.760 call Compass Insurance paying too much your coverage at dozens 1945 01:44:36.760 --> 01:44:39.479 of insurance companies find out now three oh three seven 1946 01:44:39.600 --> 01:44:42.399 seven to one help. You'll think you're his only customer 1947 01:44:42.439 --> 01:44:44.720 when you choose Frank durand the real estate Man dot 1948 01:44:44.720 --> 01:44:48.079 com to list your home with Remax Alliance three oh 1949 01:44:48.079 --> 01:44:50.720 three nine two zero sixteen twenty two. 1950 01:45:00.159 --> 01:45:04.680 So you don't have come runs as. 1951 01:45:04.560 --> 01:45:05.560 Fast as we can. 1952 01:45:06.880 --> 01:45:12.520 Shooter's gonna help come man, this is the Troubleshooter Show. 1953 01:45:13.119 --> 01:45:15.520 No Tom Martine, all right, I. 1954 01:45:15.479 --> 01:45:17.800 Want to talk to you about your problems. 1955 01:45:17.880 --> 01:45:21.039 Question complains Jordan Kiano's with us with my Money Myway 1956 01:45:21.039 --> 01:45:22.560 dot com, and I want to ask him a question 1957 01:45:22.600 --> 01:45:24.199 because this is something I get every time we talk 1958 01:45:24.239 --> 01:45:27.680 about fixed indextinuities. By the way, that's not all they 1959 01:45:27.720 --> 01:45:31.119 do at my money my Way dot com. 1960 01:45:31.119 --> 01:45:34.159 They also do overfunding. They do fixed indextinuities. 1961 01:45:34.199 --> 01:45:36.800 They do overfunding of life insurance, which, by the way, 1962 01:45:37.239 --> 01:45:40.600 in my opinion, is like a mini annuity. Basically, it's 1963 01:45:40.640 --> 01:45:43.760 a do it yourself annuity, where with life insurance where 1964 01:45:43.800 --> 01:45:46.920 you overfund it on purpose. A lot of people think 1965 01:45:47.840 --> 01:45:49.039 it's about the life insurance. 1966 01:45:49.119 --> 01:45:49.680 It's really not. 1967 01:45:50.319 --> 01:45:54.359 It's about overfunding and having cash value grow tax free, 1968 01:45:55.079 --> 01:45:58.079 and then you borrow from it later in life and 1969 01:45:58.119 --> 01:46:02.079 you almost use it as auxiliary income. And because it's alone, 1970 01:46:02.159 --> 01:46:05.800 you never pay tax on it, and then the life 1971 01:46:05.840 --> 01:46:07.920 insurance proceeds can pay it off if you don't pay 1972 01:46:07.960 --> 01:46:08.279 it off. 1973 01:46:09.039 --> 01:46:12.359 Jordan, that is like a mini annuity, isn't it almost. 1974 01:46:14.279 --> 01:46:14.920 It's almost like that. 1975 01:46:14.960 --> 01:46:16.800 I almost always kind of say like a rock on 1976 01:46:16.880 --> 01:46:19.199 steroids as well. You know, because you hit it right 1977 01:46:19.239 --> 01:46:22.840 on the head, tax free money, you get guaranteed growth 1978 01:46:23.159 --> 01:46:25.520 tax your money, but liquidity just as you mentioned to 1979 01:46:25.520 --> 01:46:26.279 pay stuff off. 1980 01:46:26.159 --> 01:46:27.960 In patiently guaranteed security too. 1981 01:46:27.960 --> 01:46:31.000 You'll never lose it, right So, and by the way, 1982 01:46:31.279 --> 01:46:32.079 so that's one thing. 1983 01:46:32.159 --> 01:46:33.159 Overfunding life insurance. 1984 01:46:33.199 --> 01:46:35.319 Anybody can do it at any income level. That's a 1985 01:46:35.359 --> 01:46:38.960 really good starter for everyone with a portfolio. Then when 1986 01:46:38.960 --> 01:46:41.800 we talk about a fixed indextenuity, let's talk about a 1987 01:46:41.840 --> 01:46:45.319 more sophisticated person. They're investing money and they have upside 1988 01:46:45.319 --> 01:46:49.680 potential with the market. They have upside potential here and there, 1989 01:46:49.720 --> 01:46:52.399 but once you put your money into a fixed inextenuity. 1990 01:46:52.439 --> 01:46:56.920 You're settling for a fixed return. Again, it's guaranteed and 1991 01:46:56.960 --> 01:47:02.159 it's fixed, and then you're settling full or a lack 1992 01:47:02.399 --> 01:47:06.319 of well, it's not total lack of liquidity, but some 1993 01:47:06.800 --> 01:47:10.520 because your money's tied up and then in exchange for 1994 01:47:10.560 --> 01:47:11.800 that you get income. 1995 01:47:12.520 --> 01:47:16.199 So could that ever come back to bite anyone? 1996 01:47:16.279 --> 01:47:18.680 I mean, I would say you don't put every dime 1997 01:47:18.760 --> 01:47:21.760 you have in it, and there's always room. 1998 01:47:21.560 --> 01:47:24.560 For it, right, right, I would say you know two things. 1999 01:47:24.600 --> 01:47:26.920 One is it's most times it's pretty much the same 2000 01:47:27.039 --> 01:47:30.439 rules or a lack of liquidity for four one k's iras. 2001 01:47:30.960 --> 01:47:32.479 That's right, it's similar. 2002 01:47:32.640 --> 01:47:34.000 You're not changing too much on that. 2003 01:47:34.199 --> 01:47:37.600 But to your question, I would say you don't everyone's 2004 01:47:37.600 --> 01:47:39.439 everybody says, don't call your eggs in one basket, right. 2005 01:47:39.760 --> 01:47:42.039 I think it's smart to have something you can count 2006 01:47:42.079 --> 01:47:44.840 on guaranteed, and that's where this product fits. For anybody 2007 01:47:44.840 --> 01:47:47.760 who's ready for retirement or getting into that age fifty 2008 01:47:47.760 --> 01:47:50.079 to fifty five plus, this is the time to start 2009 01:47:50.119 --> 01:47:53.680 having a basket. That's the silver line to never break 2010 01:47:54.079 --> 01:47:56.720 with those eggs, and that's where gives you growth without 2011 01:47:56.800 --> 01:47:58.880 root the risk of going down, and you also have 2012 01:47:58.920 --> 01:48:01.119 that guaranteed component no matter what. 2013 01:48:02.000 --> 01:48:07.319 So can you borrow from an annuity if you need money. 2014 01:48:06.199 --> 01:48:09.720 You can't borrow, but you can take distributions out of it, 2015 01:48:09.800 --> 01:48:11.840 so that most companies they let you have up to 2016 01:48:11.920 --> 01:48:15.800 ten percent, uh, you know, withdrawals, and that's something that 2017 01:48:15.960 --> 01:48:17.439 just as you mentioned, if you're not ready to turn 2018 01:48:17.439 --> 01:48:19.600 the income on and have a set paycheck yet, but 2019 01:48:19.680 --> 01:48:22.039 you have an emergency you need some extra cash, that's 2020 01:48:22.039 --> 01:48:24.680 where these products do well. You can get some access 2021 01:48:24.720 --> 01:48:27.520 to it, unlike some four one k's where you might 2022 01:48:27.560 --> 01:48:30.560 have to prove to them hardships, loans, that kind of stuff. 2023 01:48:30.600 --> 01:48:31.279 College education. 2024 01:48:31.560 --> 01:48:33.399 You don't have to do that with with this product. 2025 01:48:33.760 --> 01:48:36.840 But if you take then that's ten percent less your 2026 01:48:36.840 --> 01:48:40.119 money's grown, I mean ten percent growing in your account, 2027 01:48:40.159 --> 01:48:42.399 and that'll affect ultimately your income. 2028 01:48:42.159 --> 01:48:43.960 Wouldn't it correct? 2029 01:48:44.000 --> 01:48:46.640 That would that would also yeah, exactly dependent on you know, 2030 01:48:46.640 --> 01:48:49.119 whether it's wroth or not the infant side, but to 2031 01:48:49.159 --> 01:48:51.960 your future income. As you're saying, if it doesn't make 2032 01:48:52.000 --> 01:48:55.039 it back up, or if there's no additional contributions at 2033 01:48:55.079 --> 01:48:57.159 it over those years, you're right, then it could reduce 2034 01:48:57.199 --> 01:48:58.279 the payout just slightly. 2035 01:48:59.000 --> 01:49:02.560 Now it's up to ten percent without penalty, But is 2036 01:49:02.600 --> 01:49:04.600 it ten percent or less? 2037 01:49:05.159 --> 01:49:06.800 Can you take less than ten percent? 2038 01:49:07.319 --> 01:49:10.119 You can't take? Yes, yep, you're you're saying it correctly, yep. 2039 01:49:10.239 --> 01:49:12.439 And do you pay tax since you paid tax on 2040 01:49:12.479 --> 01:49:15.560 that money and you take out ten percent? 2041 01:49:16.199 --> 01:49:17.960 Are you taxed on any of the growth? 2042 01:49:18.000 --> 01:49:20.079 Do they take a portion of the growth and assign 2043 01:49:20.159 --> 01:49:21.279 it to that withdrawal? 2044 01:49:22.279 --> 01:49:25.000 Again, that's a good, good question that will be based 2045 01:49:25.279 --> 01:49:29.680 again if it's raw or traditional or non qualified. But 2046 01:49:29.760 --> 01:49:32.680 most times they will ask if you want to hold 2047 01:49:32.760 --> 01:49:36.880 just like anything else taxes or paid in the in 2048 01:49:36.920 --> 01:49:38.720 the end of the year on your own, but it 2049 01:49:38.760 --> 01:49:40.640 will add to your income if it's full on Kira 2050 01:49:40.760 --> 01:49:41.560 money and unqualified. 2051 01:49:41.680 --> 01:49:44.239 But is it all of it considered return or is 2052 01:49:44.319 --> 01:49:46.319 only some of it considered return? 2053 01:49:46.920 --> 01:49:51.359 So they do it based off of ordinary income up front, 2054 01:49:51.520 --> 01:49:55.239 and then it's the game thereafter. So again, if it's 2055 01:49:55.239 --> 01:49:57.960 four on Kira money, this is what the tax consultants 2056 01:49:58.000 --> 01:49:59.760 will chime in a little bit more on that, but 2057 01:50:00.039 --> 01:50:02.239 it's going to be traditionally just like a four to 2058 01:50:02.239 --> 01:50:04.479 one K you'll pay ordinary income on that if you 2059 01:50:04.520 --> 01:50:06.600 catch out the same with this product. But if it's 2060 01:50:07.039 --> 01:50:09.119 money that you didn't put it in and it had 2061 01:50:09.119 --> 01:50:11.000 nothing to do with you sold a house, well then 2062 01:50:11.000 --> 01:50:13.239 it's just going to be kind of similar. It'll be 2063 01:50:13.279 --> 01:50:15.560 on the gains that you get taxed on, and that'll 2064 01:50:15.600 --> 01:50:16.359 be ordinary. 2065 01:50:16.079 --> 01:50:19.640 Income and that's only on withdrawals. 2066 01:50:19.680 --> 01:50:23.680 Do most people ever find themselves withdrawing money before it 2067 01:50:23.720 --> 01:50:25.800 annuitizes or do they usually wait? 2068 01:50:26.640 --> 01:50:29.880 You know, for most people that I've seen, most let. 2069 01:50:29.840 --> 01:50:31.840 It wait because again, this money was four to one 2070 01:50:31.920 --> 01:50:34.760 k ira money. If they're underage fifty nine and a half, well, 2071 01:50:34.800 --> 01:50:37.239 they also have ten percent from the government, so you know, 2072 01:50:37.319 --> 01:50:40.159 if they're paying let's say twenty percent taxes and ten 2073 01:50:40.199 --> 01:50:42.000 percent of government, BUTUS thirty percent. 2074 01:50:41.840 --> 01:50:42.439 Right off the top. 2075 01:50:42.520 --> 01:50:45.640 So most have you Have you ever heard of parents 2076 01:50:45.840 --> 01:50:48.760 opening annuities for kids for college? 2077 01:50:49.720 --> 01:50:55.560 Good point. I would say it's more rare because of 2078 01:50:56.119 --> 01:50:59.039 you know, age requirements. For a lot of companies you 2079 01:50:59.079 --> 01:51:00.000 can open annuities. 2080 01:51:00.079 --> 01:51:03.199 Oh, because because you can't, because they can't turn on 2081 01:51:03.279 --> 01:51:04.359 the income for college. 2082 01:51:05.039 --> 01:51:05.680 You got it. 2083 01:51:05.840 --> 01:51:08.359 Yes, So it'd be more so just with growth and protection. 2084 01:51:08.520 --> 01:51:10.800 But then they can just you know, disburse the money 2085 01:51:10.960 --> 01:51:13.079 if they'd like. But it wouldn't have that income side 2086 01:51:13.079 --> 01:51:16.000 to the benefits of the guaranteed long term care side 2087 01:51:16.000 --> 01:51:16.439 and all that. 2088 01:51:16.680 --> 01:51:17.479 Because they're too young. 2089 01:51:17.880 --> 01:51:21.600 But you become the banker product. The overfunding of life insurance. 2090 01:51:22.000 --> 01:51:24.720 Now that you can do for your kids because the 2091 01:51:24.760 --> 01:51:28.039 cost of insurance is very low and you can overfund 2092 01:51:28.039 --> 01:51:29.640 the hell out of that for college. 2093 01:51:30.319 --> 01:51:32.920 You got it, and it doesn't have to be you know, 2094 01:51:32.920 --> 01:51:35.439 we focus on, you know, maximizing growing it for the 2095 01:51:35.439 --> 01:51:38.239 rest of their life. Well for college purposes. Maybe somebody's 2096 01:51:38.439 --> 01:51:40.079 got a five twenty nine pen and they're sick of 2097 01:51:40.079 --> 01:51:43.239 the performance. Maybe he has money that's just grandma and 2098 01:51:43.239 --> 01:51:45.279 grandpa send him every year. Well, that is it right 2099 01:51:45.319 --> 01:51:47.039 where you want to dump it in, put it into 2100 01:51:47.079 --> 01:51:49.720 the become the banker life account, use it for whatever. 2101 01:51:49.800 --> 01:51:52.640 If the kid gets scholarship's grants, maybe they don't need 2102 01:51:52.720 --> 01:51:54.399 all this college education money, but they want. 2103 01:51:54.319 --> 01:51:57.119 To use it for homes, books, whatever, Well you can do. 2104 01:51:57.199 --> 01:51:59.479 That with it becomes of the banker life five twenty nine. 2105 01:51:59.520 --> 01:52:01.720 You get a little limited and of course it rights 2106 01:52:01.760 --> 01:52:02.239 at the market. 2107 01:52:02.720 --> 01:52:05.159 Hey question, Tom, Yeah, go ahead. 2108 01:52:05.159 --> 01:52:07.680 Which of these products do you have to take a 2109 01:52:07.720 --> 01:52:11.039 minimum required distribution from annually? 2110 01:52:11.600 --> 01:52:14.039 Neither of them that would Yeah, the only one you 2111 01:52:14.159 --> 01:52:16.039 have to do with the if it was four wing 2112 01:52:16.119 --> 01:52:18.479 Kira money once you're that's right, that's right. 2113 01:52:18.520 --> 01:52:19.880 If it's qualified money. 2114 01:52:20.159 --> 01:52:23.039 They look at all of your plans, doc, and the 2115 01:52:23.159 --> 01:52:26.079 only thing you have to take a minimum required distribution 2116 01:52:26.239 --> 01:52:30.640 from is a qualified plan where taxes were deferred. So 2117 01:52:30.680 --> 01:52:33.760 they want they want you to think of it this way. 2118 01:52:33.840 --> 01:52:37.600 If taxes are deferred, the government wants you to pull 2119 01:52:37.640 --> 01:52:39.880 at least some of it out and start paying tax 2120 01:52:39.920 --> 01:52:43.279 on it if it wasn't deferred, and it's going to 2121 01:52:43.319 --> 01:52:44.800 be tax free like a WROTH. 2122 01:52:45.840 --> 01:52:48.000 Now Wroth by the way. 2123 01:52:47.920 --> 01:52:51.119 While it's tax deferred because the money going in was 2124 01:52:51.159 --> 01:52:52.079 not deducted. 2125 01:52:52.439 --> 01:52:54.520 With a WROTH, it's tax free. 2126 01:52:54.840 --> 01:52:58.479 So they don't require a minimum distribution on Wroth money. 2127 01:52:58.760 --> 01:53:01.640 Yeah, I just thought to make that they limit you everybody. 2128 01:53:02.479 --> 01:53:04.720 Yeah, with Roth, by the way, it's one of the 2129 01:53:04.720 --> 01:53:07.479 few qualified plans where you're not required to take a 2130 01:53:07.520 --> 01:53:09.000 minimum a distribution. 2131 01:53:09.119 --> 01:53:11.560 Let's talk to Frederick. He has a landscaping problem. 2132 01:53:11.600 --> 01:53:15.479 And by the way, that's my money, myway dot com, 2133 01:53:15.840 --> 01:53:17.640 you know, and I've known these guys for yours. 2134 01:53:17.640 --> 01:53:19.319 Frederick, what's going on with landscaping. 2135 01:53:21.079 --> 01:53:22.520 Tom, I got a question for you. 2136 01:53:22.920 --> 01:53:27.680 I've had a town home that backs up to a open, 2137 01:53:27.840 --> 01:53:32.840 uh basically common area. The landscapers come by and they 2138 01:53:33.159 --> 01:53:37.399 use these big zero turn moowers. They have no discharge 2139 01:53:37.439 --> 01:53:41.000 off of them. Uh you know, so they just shoot 2140 01:53:41.079 --> 01:53:46.439 rocks and everything wherever they may left the property came back. 2141 01:53:47.199 --> 01:53:52.079 I had a double paned sliding glass window that was broken. 2142 01:53:54.159 --> 01:53:58.079 I'm extremely protected with a hill on one side. So 2143 01:53:59.600 --> 01:54:02.119 I cond type of landscaper he said, Nope, I didn't 2144 01:54:02.119 --> 01:54:02.439 do it. 2145 01:54:03.800 --> 01:54:06.199 Hey, this is where a This is where a ring 2146 01:54:06.279 --> 01:54:08.000 camera would come in handy, right. 2147 01:54:09.199 --> 01:54:10.000 It would, wouldn't it. 2148 01:54:10.760 --> 01:54:13.079 But hold on, So nobody's admitting to it. 2149 01:54:14.399 --> 01:54:15.640 No one's admitting to it. 2150 01:54:16.239 --> 01:54:19.000 Damn it. There's nothing you can do about it. I 2151 01:54:19.039 --> 01:54:21.239 mean you can. It's just like any accusation. 2152 01:54:21.359 --> 01:54:23.920 It's like it's like accusing a kid down the. 2153 01:54:23.840 --> 01:54:26.079 Street, you know, throwing a baseball. I mean, what do 2154 01:54:26.119 --> 01:54:26.399 you do? 2155 01:54:27.760 --> 01:54:30.359 Well, let me ask you a question. I have video 2156 01:54:30.960 --> 01:54:34.399 of that same landscaper the next week coming by with 2157 01:54:34.560 --> 01:54:38.199 it right on mowers and they're discharged wide open and. 2158 01:54:38.119 --> 01:54:41.680 Okay and spread. That's wonderful. That's wonderful. 2159 01:54:42.039 --> 01:54:47.920 That's called circumstantial evidence, meaning I can show you this 2160 01:54:48.039 --> 01:54:51.439 week what he was doing, so therefore he must have 2161 01:54:51.520 --> 01:54:54.079 been doing it last week, or it must have been 2162 01:54:54.119 --> 01:54:56.800 what caused the problem. It's never going to work as 2163 01:54:56.880 --> 01:55:00.760 far as small claims court or something. It's of honor. 2164 01:55:01.039 --> 01:55:02.720 If they're not going to if they're not going to 2165 01:55:02.800 --> 01:55:06.520 pony up to it, then they're not going to pony 2166 01:55:06.600 --> 01:55:09.720 up to it. Okay, it would be hell to pay 2167 01:55:09.960 --> 01:55:12.159 to try to prove it. Well, I don't think you could. 2168 01:55:12.319 --> 01:55:14.239 I don't think like if you two have a small 2169 01:55:14.279 --> 01:55:15.840 claims card and said, your honor, this is what they 2170 01:55:15.840 --> 01:55:18.760 do as a matter of fact, and isn't it logical 2171 01:55:18.840 --> 01:55:21.960 that they broke my window? They'd say, yeah, it's logical, 2172 01:55:22.000 --> 01:55:22.840 but it's not legal. 2173 01:55:25.399 --> 01:55:28.439 So you don't think it's worth taking this small claims card? 2174 01:55:28.600 --> 01:55:31.840 Well, that's up to you. That's a fifty dollars risk, man. 2175 01:55:32.279 --> 01:55:34.840 I mean, they might say. They might say, let's settle. 2176 01:55:34.880 --> 01:55:37.399 How much did it cost you to fix? 2177 01:55:37.760 --> 01:55:38.800 And ninety bucks? 2178 01:55:38.880 --> 01:55:41.960 Holy crap, now did your homeowners fix that? 2179 01:55:43.520 --> 01:55:45.039 No, I haven't even submitted it. 2180 01:55:45.479 --> 01:55:47.319 And by the way, you may not want to. It 2181 01:55:47.399 --> 01:55:50.239 might not be worth it. It might be the deductible but 2182 01:55:50.359 --> 01:55:53.760 here's the deal. Okay, if you take it to small 2183 01:55:53.760 --> 01:55:58.119 claims court, you you really have no direct evidence. And 2184 01:55:58.199 --> 01:56:01.520 if these guys simply say, did not do it, we 2185 01:56:01.520 --> 01:56:05.039 were not mowing that day, how do you prove otherwise? 2186 01:56:05.079 --> 01:56:06.159 That's what I'm asking you. 2187 01:56:06.520 --> 01:56:09.039 If you had a witness, if you had someone, it 2188 01:56:09.039 --> 01:56:16.000 would be different. See, the courts don't work on logic, 2189 01:56:16.920 --> 01:56:22.199 like you're thinking, not logic, but circumstances. They don't say, well, yeah, 2190 01:56:22.359 --> 01:56:24.680 well it seems and it is kind of logical. Well 2191 01:56:24.680 --> 01:56:28.479 it seems logical, or it seems reasonable that these guys 2192 01:56:28.520 --> 01:56:31.279 do this every week on this day, and one day 2193 01:56:31.279 --> 01:56:34.199 he comes home and finds his window cracked, and here's 2194 01:56:34.199 --> 01:56:34.800 what they do. 2195 01:56:35.560 --> 01:56:40.760 But it's it's just not fair. I mean, it'll never happen. 2196 01:56:41.079 --> 01:56:45.840 I could never see them a judge saying, yeah, you're right. 2197 01:56:47.279 --> 01:56:50.199 I don't know, man, what do you I mean? I 2198 01:56:50.359 --> 01:56:54.079 just don't see it happening. So it's up to you. 2199 01:56:53.760 --> 01:56:56.960 You can ay, you can file. It's fifty bucks, go 2200 01:56:57.000 --> 01:56:59.800 ahead and see what I mean. They might want to settle, 2201 01:56:59.800 --> 01:57:02.880 but maybe not. Are they a big landscaper or some 2202 01:57:03.079 --> 01:57:03.880 rinky dink. 2203 01:57:05.359 --> 01:57:07.720 You know, I don't really know to be honest with him. 2204 01:57:10.279 --> 01:57:11.039 I don't know how. 2205 01:57:10.920 --> 01:57:11.439 Big they are. 2206 01:57:11.479 --> 01:57:17.159 I know it's family owned, but I don't know how 2207 01:57:17.199 --> 01:57:17.760 big they are. 2208 01:57:18.000 --> 01:57:20.880 Well, how do they think it happened? Did they mention anything? 2209 01:57:23.000 --> 01:57:23.239 Yeah? 2210 01:57:23.319 --> 01:57:26.359 I was told that there was a windstorm and a 2211 01:57:26.399 --> 01:57:30.800 pine cone probably came and broke the window. 2212 01:57:33.199 --> 01:57:35.039 Jeez, I don't know. 2213 01:57:35.920 --> 01:57:40.359 I live in a very protected I've got almost a 2214 01:57:40.359 --> 01:57:41.640 forty degree hill. 2215 01:57:41.960 --> 01:57:44.439 No, I get what you're saying. Listen, I know where 2216 01:57:44.439 --> 01:57:47.119 you're going. You're going for the circumstantial evidence. 2217 01:57:47.920 --> 01:57:50.560 Yep, but it's not. 2218 01:57:52.039 --> 01:57:54.239 I mean it's weird, but well, I don't know if 2219 01:57:54.239 --> 01:57:56.800 it's weird or not. I mean, if we could convict 2220 01:57:56.840 --> 01:57:58.920 on that or win on that, that would be a 2221 01:57:59.199 --> 01:58:02.159 that would be a pretty scary thing. You have to 2222 01:58:02.159 --> 01:58:06.680 have some direct evidence, some eyewindows for something something. 2223 01:58:07.039 --> 01:58:10.560 Well, I think, so you listen, Like I said, it's 2224 01:58:10.560 --> 01:58:11.279 a fifty. 2225 01:58:11.000 --> 01:58:13.399 Dollars gamble, so instead of six hundred and fifty, it'll 2226 01:58:13.399 --> 01:58:16.039 be seven hundred dollars loss, and you may want to 2227 01:58:16.079 --> 01:58:16.760 figure it out. 2228 01:58:16.840 --> 01:58:18.039 I just don't know if. 2229 01:58:17.880 --> 01:58:21.760 I would go through that trouble three all three, seven, one, three, eight, 2230 01:58:21.880 --> 01:58:23.239 two five five. 2231 01:58:28.000 --> 01:58:29.039 Go with a sure thing. 2232 01:58:29.159 --> 01:58:32.439 Denver's best roofer Excel roofing dot com. You don't pay 2233 01:58:32.479 --> 01:58:38.560 a cent until you're content. Time for an insurance check 2234 01:58:38.640 --> 01:58:42.520 up free, no obligation. In comparison, call Compass Insurance paying 2235 01:58:42.560 --> 01:58:45.600 too much your coverage at dozens of insurance companies find 2236 01:58:45.600 --> 01:58:47.960 out now three oh three seven seven to one help. 2237 01:58:48.119 --> 01:58:50.760 You'll think you're his only customer when you choose Frank 2238 01:58:50.840 --> 01:58:53.279 durand the real estate Man dot com to list your 2239 01:58:53.319 --> 01:58:56.479 home with Remax Alliance three oh three nine two zero 2240 01:58:56.560 --> 01:58:57.560 sixteen twenty two. 2241 01:59:04.159 --> 01:59:05.279 Hi, Tom Marts, you know here? 2242 01:59:05.359 --> 01:59:07.760 Three oh three seven one three talk seven one three 2243 01:59:07.840 --> 01:59:08.800 eight two five five. 2244 01:59:09.640 --> 01:59:14.640 Wow, we got some a lot of different problems here. 2245 01:59:14.640 --> 01:59:17.239 I want to get to Gene. 2246 01:59:17.279 --> 01:59:19.720 What is this tenant landlord issue? I'm hoping it's not 2247 01:59:19.800 --> 01:59:21.880 that difficult. Maybe we can help you. What's going on? 2248 01:59:21.960 --> 01:59:22.119 Jean? 2249 01:59:23.960 --> 01:59:31.760 Well, I have been told that that the renters do 2250 01:59:31.880 --> 01:59:36.079 not want to move out. They owe eight thousand dollars. 2251 01:59:36.279 --> 01:59:40.079 Wait a minute, Wait a minute. This is you're a landlord? Yes, 2252 01:59:40.840 --> 01:59:41.600 and they owe. 2253 01:59:41.439 --> 01:59:44.920 Eight thousand dollars? And why did you let it get that? 2254 01:59:45.479 --> 01:59:47.119 How many months does that represent? 2255 01:59:49.760 --> 01:59:50.119 Well? 2256 01:59:51.039 --> 01:59:56.359 What they did was one party paid half and the 2257 01:59:56.439 --> 02:00:01.680 other didn't pay anything and they kept promising that they 2258 02:00:01.720 --> 02:00:02.600 would catch up. 2259 02:00:04.359 --> 02:00:07.199 Yeah, but as far as you're concerned, though, they're both 2260 02:00:07.239 --> 02:00:10.039 on one lease. Or did you only charge half to 2261 02:00:10.039 --> 02:00:10.439 each other? 2262 02:00:10.520 --> 02:00:10.720 No? 2263 02:00:10.520 --> 02:00:15.199 No, no, they were both on the lease. But the 2264 02:00:15.279 --> 02:00:18.600 one gentleman feels like he's paid every time and that 2265 02:00:19.119 --> 02:00:20.760 gives him some rights. 2266 02:00:21.159 --> 02:00:21.880 No, it doesn't. 2267 02:00:22.000 --> 02:00:24.319 No, it doesn't not if they're on one lease and 2268 02:00:24.399 --> 02:00:27.039 only half the rents paid. So listen, you got to 2269 02:00:27.199 --> 02:00:30.800 proceed for an eviction. Don't hesitate. Call an attorney and 2270 02:00:30.880 --> 02:00:31.560 get an eviction. 2271 02:00:32.680 --> 02:00:32.920 Yeah. 2272 02:00:32.920 --> 02:00:37.319 Well I did call an attorney, and they sent me 2273 02:00:38.560 --> 02:00:43.359 the particular document that I'm supposed to fill out, and 2274 02:00:43.399 --> 02:00:46.199 he said, now I want you to know that if 2275 02:00:46.239 --> 02:00:50.880 you do fill out this document, that these people cannot 2276 02:00:51.000 --> 02:00:57.560 rent anywhere ever again in Denver. And I thought that 2277 02:00:57.680 --> 02:00:58.640 was well, first of all. 2278 02:00:58.760 --> 02:01:00.760 Why does this attorney even have to tell you that? 2279 02:01:01.479 --> 02:01:03.000 What attorney is this that you? 2280 02:01:03.000 --> 02:01:04.199 You? You called. 2281 02:01:05.520 --> 02:01:09.239 I belong to a little club and each month you 2282 02:01:09.319 --> 02:01:13.359 pay a fee. Most of the time you don't use it. 2283 02:01:13.920 --> 02:01:15.119 But if you what do. 2284 02:01:15.079 --> 02:01:15.960 You mean a club? 2285 02:01:16.239 --> 02:01:22.880 You're not you're not talking about pre paid legal, are you? 2286 02:01:22.920 --> 02:01:28.840 No, it's just a monthly payment you make uh to 2287 02:01:29.359 --> 02:01:32.680 a group of attorneys, and they then what. 2288 02:01:32.800 --> 02:01:35.079 Is it called? I never heard of? So what is 2289 02:01:35.119 --> 02:01:36.960 it called? Is it it's not prepaid? 2290 02:01:37.039 --> 02:01:37.319 Legal? 2291 02:01:37.359 --> 02:01:38.239 What is it called? 2292 02:01:40.560 --> 02:01:43.199 I think the name of it is legal trade. I'd 2293 02:01:43.199 --> 02:01:43.840 have to look it up. 2294 02:01:43.840 --> 02:01:47.039 My Okay, listen, listen is it now? Do you have 2295 02:01:47.119 --> 02:01:48.680 to pay extra when you do this? 2296 02:01:48.880 --> 02:01:49.000 Uh? 2297 02:01:49.600 --> 02:01:52.560 Or will they do the eviction for you? 2298 02:01:52.600 --> 02:01:52.760 No? 2299 02:01:52.800 --> 02:01:55.720 They don't the eviction. They answer questions. 2300 02:01:56.279 --> 02:01:59.119 Okay, how much? How much do you pay a month 2301 02:01:59.119 --> 02:01:59.399 for this? 2302 02:02:02.800 --> 02:02:04.319 Forty five dollars? 2303 02:02:04.720 --> 02:02:08.600 Man, I'm your wasting money? Holy crap, what a waste 2304 02:02:08.600 --> 02:02:09.039 of money? 2305 02:02:09.880 --> 02:02:10.199 You can? 2306 02:02:10.399 --> 02:02:12.279 You can get any answer you want on the internet. 2307 02:02:12.319 --> 02:02:14.199 Have you ever heard of artificial intelligence? 2308 02:02:14.600 --> 02:02:14.960 Yeah? 2309 02:02:15.000 --> 02:02:17.359 Listen, I wouldn't. I wouldn't pay that for any If 2310 02:02:17.399 --> 02:02:19.439 they're not look it. If you want to get an 2311 02:02:19.439 --> 02:02:23.039 eviction done, call a real real estate attorney olslaw dot 2312 02:02:23.079 --> 02:02:25.760 com Brad O'Brien and have them do an eviction. Do 2313 02:02:25.880 --> 02:02:28.720 not wait, and it's not your concern. If they can 2314 02:02:28.760 --> 02:02:31.039 rent again or not, that's up to them. They can 2315 02:02:31.119 --> 02:02:34.039 cure the default and stay there. But you can't be 2316 02:02:34.119 --> 02:02:36.760 concerned with that gene because you're going to be left 2317 02:02:36.840 --> 02:02:37.479 high and dry. 2318 02:02:37.640 --> 02:02:41.279 Okay, Well, I realize I'm never going to get that 2319 02:02:41.800 --> 02:02:42.479 eight thousand. 2320 02:02:43.039 --> 02:02:44.760 Well, who says you won't. Who says you. 2321 02:02:44.720 --> 02:02:49.560 Won't, Well, I don't want to go through a court 2322 02:02:49.640 --> 02:02:52.800 battle or anything else. They don't have the money. 2323 02:02:53.399 --> 02:02:54.640 Okay, If you don't want. 2324 02:02:54.479 --> 02:02:56.279 To go through a court battle and you're not going 2325 02:02:56.319 --> 02:03:00.159 to get paid, then what does that mean, Because you're 2326 02:03:00.159 --> 02:03:01.560 going to have to go to court or have an 2327 02:03:01.560 --> 02:03:05.079 attorney go to court to get an eviction. So so, Gene, 2328 02:03:05.479 --> 02:03:08.479 just keep it the way it is, then they'll stay 2329 02:03:08.479 --> 02:03:11.319 there forever. You got great tenants paying half rent. 2330 02:03:11.880 --> 02:03:17.079 No, I don't want them to stay there, but I 2331 02:03:19.399 --> 02:03:20.520 want to get them out? 2332 02:03:21.560 --> 02:03:25.239 What were you hoping I would tell you? Because no, No, seriously, now, Gene, 2333 02:03:25.279 --> 02:03:27.039 I mean this. I'm not being disrespectful. 2334 02:03:27.520 --> 02:03:28.239 What were you hoping? 2335 02:03:29.600 --> 02:03:33.000 Squatter's rights people are telling some people that don't know 2336 02:03:33.079 --> 02:03:36.640 anything legally have been telling me that because they have 2337 02:03:36.720 --> 02:03:41.439 been paying half for a while, that they can have 2338 02:03:41.479 --> 02:03:46.720 squatter's white rights. And I don't understand squatters. 2339 02:03:46.760 --> 02:03:47.359 What they are. 2340 02:03:48.079 --> 02:03:51.840 Listen, there's no such thing, okay. 2341 02:03:52.000 --> 02:03:53.840 Just what a squatter right. 2342 02:03:53.880 --> 02:03:58.720 Is is if they stay in a place and claim residency. Okay, 2343 02:03:59.239 --> 02:04:03.520 and just please please talk to an attorney and not 2344 02:04:03.640 --> 02:04:07.439 these idiots that you've been talking to you. These people 2345 02:04:07.920 --> 02:04:12.439 were paying half rent. They violated the lease. Get them 2346 02:04:12.680 --> 02:04:15.439 out of there. When is the lease up? 2347 02:04:16.960 --> 02:04:18.159 Oh it's expired. 2348 02:04:19.880 --> 02:04:22.399 Get them out of there or you're going to be sorry. 2349 02:04:23.640 --> 02:04:25.920 Well, I'm trying to figure out how to do it. 2350 02:04:26.560 --> 02:04:27.319 I just told you. 2351 02:04:27.479 --> 02:04:32.680 You call an attorney and let them do it. It 2352 02:04:32.720 --> 02:04:36.079 will save you money every month. You're losing money every 2353 02:04:36.119 --> 02:04:36.720 single month. 2354 02:04:38.840 --> 02:04:43.279 Correct, But it is very, very expensive for the attorney 2355 02:04:43.319 --> 02:04:45.760 to do it. And what they know it isn't tell me. 2356 02:04:46.720 --> 02:04:48.079 No, it's not expensive. 2357 02:04:48.119 --> 02:04:52.840 No, listen, how much a month are they paying in rent? 2358 02:04:54.720 --> 02:04:57.479 Two they're supposed to be. 2359 02:04:57.359 --> 02:05:02.199 Paying and wait only two thousand and five hundred? And 2360 02:05:02.239 --> 02:05:03.119 what do they pay? 2361 02:05:04.800 --> 02:05:10.119 Well, the sun is paying half one two hundred and fifty. 2362 02:05:10.479 --> 02:05:14.399 The mother had surgery and has been paying nothing. 2363 02:05:14.560 --> 02:05:18.600 Okay, so listen, So every month you're every month you're 2364 02:05:18.640 --> 02:05:23.000 paying twelve hundred bucks, You're you're spent. You're losing. In fact, 2365 02:05:23.039 --> 02:05:24.479 you're probably losing more than that. 2366 02:05:24.800 --> 02:05:25.840 Is it an apartment or. 2367 02:05:25.800 --> 02:05:27.800 A house, a house? 2368 02:05:28.720 --> 02:05:31.920 You're you're renting a house for twenty five hundred? Where 2369 02:05:31.960 --> 02:05:32.880 is this house. 2370 02:05:34.159 --> 02:05:34.960 In our battle? 2371 02:05:36.359 --> 02:05:38.439 What do you think that house is how many bedroom 2372 02:05:38.479 --> 02:05:41.720 house is it? 2373 02:05:41.720 --> 02:05:48.159 It's two bedrooms with a shutter that you can close 2374 02:05:48.159 --> 02:05:49.560 off to make a third bedroom. 2375 02:05:49.680 --> 02:05:51.239 Or does it have a garage? 2376 02:05:52.880 --> 02:05:54.359 Yes, has a garage. 2377 02:05:54.479 --> 02:05:56.880 Okay, you know what your average rent is for thousand? 2378 02:05:57.199 --> 02:06:01.960 What do you think your average rent is for that? Well, 2379 02:06:02.000 --> 02:06:10.600 I'm not three thousand, two hundred dollars, oh, which means 2380 02:06:10.640 --> 02:06:13.479 you can get even more than that. Listen, Gene, I 2381 02:06:13.560 --> 02:06:17.359 can only tell you so many times the right answer, 2382 02:06:17.760 --> 02:06:19.359 and it's not I'm not going to tell you the 2383 02:06:19.399 --> 02:06:23.399 wrong answer after telling you the right answer, Call Brad O'Brien, 2384 02:06:24.000 --> 02:06:28.760 O'Brien Legal Services, get it done correctly, get it done 2385 02:06:28.800 --> 02:06:31.640 immediately and get good tenants in there. 2386 02:06:34.439 --> 02:06:37.359 I want to write that down, would you yes? 2387 02:06:37.439 --> 02:06:40.520 O'Brien Legal Services, Kachina get her the number please three 2388 02:06:40.520 --> 02:06:43.319 oh three seven to one three talk seven one three 2389 02:06:43.439 --> 02:06:46.279 eight two five five. It's olslaw dot com. Get her 2390 02:06:46.279 --> 02:06:48.560 that number please. So we because I don't want to 2391 02:06:48.560 --> 02:06:51.319 do it on the air. We have more coming up 2392 02:06:51.359 --> 02:06:55.000 on the Troubleshooter Show. Jordan Canno. Somebody wanted to know 2393 02:06:55.039 --> 02:06:58.319 what's the minimum somebody can get into overfunding life insurance 2394 02:06:58.680 --> 02:07:01.479 to do a cash cash value. 2395 02:07:02.880 --> 02:07:03.079 Yeah. 2396 02:07:03.720 --> 02:07:05.960 Uh so the minimum is I mean really gonna be 2397 02:07:06.039 --> 02:07:08.279 round like two and fxty bucks a month. I mean 2398 02:07:08.359 --> 02:07:10.319 it's that low. And then it's people are under the 2399 02:07:10.359 --> 02:07:12.039 age of twenty one or eighteen, you can get it 2400 02:07:12.159 --> 02:07:12.600 even lower. 2401 02:07:12.720 --> 02:07:14.960 Grandparents like to you maybe do one hundred dollars a month. 2402 02:07:15.439 --> 02:07:17.000 Yeah, but you can do it more if you want 2403 02:07:17.039 --> 02:07:18.399 to accumulate. 2404 02:07:17.920 --> 02:07:20.439 Cash faster, right, Oh exactly. 2405 02:07:20.439 --> 02:07:22.199 And if you have a lump sum, you can dump 2406 02:07:22.239 --> 02:07:24.520 it in there and it will shargo on day one 2407 02:07:24.640 --> 02:07:26.960 and it's accessible up to ninety five percent. 2408 02:07:27.439 --> 02:07:30.039 Okay, that's my money, myway dot com three oh three, 2409 02:07:30.199 --> 02:07:39.520 seven seven nine sixty six hundred Go with a sure 2410 02:07:39.640 --> 02:07:43.079 thing Denver's best roofer Excel Roofing dot com. You don't 2411 02:07:43.079 --> 02:07:49.119 pay a cent until you're contents. Time for an insurance 2412 02:07:49.199 --> 02:07:52.880 check up free, no obligation. In comparison, call Compass Insurance 2413 02:07:53.039 --> 02:07:56.079 paying too much your coverage at dozens of insurance companies 2414 02:07:56.159 --> 02:07:58.199 find out Now three out three, seven to seven to 2415 02:07:58.239 --> 02:08:00.920 one help. You'll think you're his own only customer when 2416 02:08:00.960 --> 02:08:03.399 you choose Frank durand the real estate Man dot com 2417 02:08:03.439 --> 02:08:06.560 to list your home with Remax Alliance three oh three 2418 02:08:06.640 --> 02:08:11.600 nine two zero sixteen twenty two. Hi Tomwarks, you know 2419 02:08:11.600 --> 02:08:13.680 here at three oh three seven one three talks seven 2420 02:08:13.720 --> 02:08:17.439 one three eight two five five. Bill has a question 2421 02:08:17.479 --> 02:08:19.840 on home title theft. Go ahead, Bill, what's happening? 2422 02:08:20.760 --> 02:08:20.960 Hey? 2423 02:08:21.000 --> 02:08:21.560 How's it going? 2424 02:08:21.560 --> 02:08:21.800 Hey? 2425 02:08:21.960 --> 02:08:24.680 I was watching TV last night and someone they ran 2426 02:08:24.720 --> 02:08:28.920 a commercial to it with some kind of insurance to 2427 02:08:28.960 --> 02:08:30.119 protect the title. 2428 02:08:29.880 --> 02:08:30.520 To your house. 2429 02:08:31.079 --> 02:08:34.439 They made it sound like someone could steal it really easily. 2430 02:08:34.680 --> 02:08:37.000 You know, I mentioned this before and I didn't get 2431 02:08:37.039 --> 02:08:39.720 back to it, and I gotta I chastise yourself for that. 2432 02:08:40.000 --> 02:08:42.279 I said, why you don't need title Locke let me. 2433 02:08:42.520 --> 02:08:44.720 I know they advertised a lot here, but let me 2434 02:08:44.800 --> 02:08:45.920 just explain the reality. 2435 02:08:45.960 --> 02:08:47.800 Okay. 2436 02:08:47.840 --> 02:08:50.039 The only thing title Lock and all of these do, 2437 02:08:50.359 --> 02:08:53.159 The only thing they do is notify you if something 2438 02:08:53.399 --> 02:08:56.159 is recorded against your home. 2439 02:08:56.439 --> 02:08:56.800 Okay. 2440 02:08:58.439 --> 02:09:00.840 Many of the counties have started doing this free of 2441 02:09:00.920 --> 02:09:03.039 charge if you sign. 2442 02:09:02.920 --> 02:09:06.960 Up for the service. But title Lock does not really 2443 02:09:07.039 --> 02:09:08.000 lock anything. 2444 02:09:08.840 --> 02:09:13.840 They can't prevent me from from Anyone who wants to 2445 02:09:13.880 --> 02:09:14.960 commit fraud can do it. 2446 02:09:15.359 --> 02:09:15.760 They can. 2447 02:09:16.439 --> 02:09:19.319 What when they talk about title that they make it 2448 02:09:19.359 --> 02:09:22.720 sound like all I have to do is file a 2449 02:09:22.800 --> 02:09:25.039 quit claim deed and I own your home. 2450 02:09:25.439 --> 02:09:28.560 That is just right, It's just not true. 2451 02:09:29.039 --> 02:09:32.840 Now, if you have a home, I can file a 2452 02:09:32.960 --> 02:09:34.359 quit claim date Bill. 2453 02:09:34.920 --> 02:09:35.279 I can. 2454 02:09:35.680 --> 02:09:38.479 If your home's paid off, that means I own it 2455 02:09:38.520 --> 02:09:41.079 free and clear. If it's not paid off, that means 2456 02:09:41.119 --> 02:09:46.720 I own it subject to the security meet Theoretically, what 2457 02:09:46.800 --> 02:09:47.439 I mean is this. 2458 02:09:48.079 --> 02:09:51.520 A quit claim says this very clearly. 2459 02:09:52.039 --> 02:09:56.600 A quit claim says that I quit my claim to 2460 02:09:56.680 --> 02:09:59.880 any that you have, any claim that I have in 2461 02:10:00.119 --> 02:10:04.199 that house. So I can legally, right now, I can 2462 02:10:04.359 --> 02:10:09.279 legally write you a quit claim deed you Bill to 2463 02:10:09.439 --> 02:10:13.239 the to the Brooklyn Bridge, Okay, or to a house, 2464 02:10:13.640 --> 02:10:15.279 or to the Empire State Building. 2465 02:10:16.359 --> 02:10:18.199 Because all it's saying is. 2466 02:10:18.680 --> 02:10:23.880 Whatever Tom Martino owns in this Empire State Building is 2467 02:10:24.000 --> 02:10:30.920 now conveyed to Bill. If it's nothing, then nothing is conveyed. 2468 02:10:32.319 --> 02:10:36.119 So here's what they tell you happens. When your house 2469 02:10:36.199 --> 02:10:39.359 is paid off, they write out a quit claim deed 2470 02:10:39.399 --> 02:10:43.520 to themselves or to a friend, and they forge your name. 2471 02:10:44.279 --> 02:10:45.800 That's absolutely true. 2472 02:10:46.520 --> 02:10:49.720 Anyone can do it at any time, and they can 2473 02:10:49.800 --> 02:10:55.039 file it sometimes even online without ever going into the courthouse. 2474 02:10:54.920 --> 02:10:56.399 So so they would have to prove it. 2475 02:10:57.000 --> 02:11:01.800 That's exactly right. All it is is a claim. It 2476 02:11:01.920 --> 02:11:06.600 is not a deed. It is not a ownership document. 2477 02:11:07.199 --> 02:11:08.720 So well it didn't sound right. 2478 02:11:09.479 --> 02:11:13.760 What LifeLock would do is notify you that you have 2479 02:11:13.920 --> 02:11:18.000 something recorded. Then you would have to go and fight it, 2480 02:11:18.760 --> 02:11:23.439 just like you would have to fight it anyway. There's 2481 02:11:23.520 --> 02:11:28.119 nothing locked about it. You're fighting the claim. But it's 2482 02:11:28.239 --> 02:11:32.840 easy to fight. But I will tell you this, it 2483 02:11:33.000 --> 02:11:34.079 costs you money. 2484 02:11:34.560 --> 02:11:35.039 It does. 2485 02:11:35.640 --> 02:11:38.319 I mean, because what would you do if you found 2486 02:11:38.399 --> 02:11:41.159 there's a quit claim deed on your house. Well, it 2487 02:11:41.199 --> 02:11:44.079 would be a pain in as you would have to 2488 02:11:44.159 --> 02:11:47.800 go and do a quiet title action. It wouldn't take much. 2489 02:11:47.840 --> 02:11:51.319 You could get it done pretty damn quickly. But LifeLock 2490 02:11:51.399 --> 02:11:55.319 isn't doing that for you. All they're doing is notifying you. 2491 02:11:55.319 --> 02:12:00.000 You still have to hire an attorney and fight it. Okay, 2492 02:12:00.079 --> 02:12:02.640 So I don't get it. I just don't get it 2493 02:12:03.079 --> 02:12:06.840 because you know, being notified, Yeah, is that useful? 2494 02:12:06.960 --> 02:12:08.880 Sure it is. But you can do a. 2495 02:12:08.960 --> 02:12:13.680 Damn title search of your home quarterly if you want, 2496 02:12:14.000 --> 02:12:17.239 for a few bucks, or or yearly if you. 2497 02:12:17.239 --> 02:12:18.159 Want, you know. 2498 02:12:18.279 --> 02:12:21.760 I mean, but even if you find something on there, 2499 02:12:23.000 --> 02:12:26.039 it doesn't mean they can foreclose on your house. And 2500 02:12:26.119 --> 02:12:28.039 if they go out and get a loan on your house, 2501 02:12:28.239 --> 02:12:31.239 do you know how many notaries they would have to defraud, 2502 02:12:31.399 --> 02:12:35.000 how many defrauded or excuse me, fraudulent notaries they would 2503 02:12:35.039 --> 02:12:37.840 have to use, or banks that are stupid to. 2504 02:12:37.840 --> 02:12:39.079 Loan money on a house. 2505 02:12:39.920 --> 02:12:42.920 I mean, I mean, it just doesn't happen like they 2506 02:12:43.000 --> 02:12:43.720 say it does. 2507 02:12:44.000 --> 02:12:46.159 Now. We have found cases. 2508 02:12:46.079 --> 02:12:49.159 Where it has happened and the people had to fight 2509 02:12:49.239 --> 02:12:50.920 to get their house back. I'm not going to tell 2510 02:12:50.920 --> 02:12:54.439 you it never ever, ever happens, but they make it 2511 02:12:54.479 --> 02:12:57.359 sound like, oh my god, I'd better lock this title 2512 02:12:58.720 --> 02:13:01.800 where now I got the key. There's no locking. The 2513 02:13:01.840 --> 02:13:05.520 county doesn't have a mechanism to lock it. In fact, 2514 02:13:05.560 --> 02:13:09.279 I thought some counties were working on it. Dennis has 2515 02:13:09.279 --> 02:13:12.479 a quick comment on quit claim deeds go ahead, and 2516 02:13:12.520 --> 02:13:17.359 it's not quick as in fast. Everyone says quick claim deeds. 2517 02:13:17.760 --> 02:13:20.680 That's how I know they're morons, because what it is 2518 02:13:20.680 --> 02:13:24.880 is a quit I quit my claim and I'm conveying 2519 02:13:24.920 --> 02:13:29.199 it to you. It is a quit claim deed go ahead, Dennis. 2520 02:13:30.520 --> 02:13:33.920 So, Tom, you just mentioned real briefly that some of 2521 02:13:33.960 --> 02:13:37.479 the counties are working on a process, and that's what 2522 02:13:37.520 --> 02:13:41.359 I was actually calling in about Thank you Douglas. I 2523 02:13:41.399 --> 02:13:44.600 know Douglas County has already got it in place. They're 2524 02:13:44.640 --> 02:13:48.520 going back and scanning all the deeds and any time 2525 02:13:48.600 --> 02:13:54.319 that your name as the owner of the property shows 2526 02:13:54.439 --> 02:13:59.960 up at the county for a change of anything, then 2527 02:14:00.000 --> 02:14:03.039 and they send you an email and notify you that 2528 02:14:03.239 --> 02:14:04.359 this and this happened. 2529 02:14:05.159 --> 02:14:08.000 Wonderful, that's wonder And see you don't have to pay 2530 02:14:08.039 --> 02:14:09.600 for that, do you No. 2531 02:14:09.720 --> 02:14:10.239 It's free. 2532 02:14:10.800 --> 02:14:13.119 Yeah, and I think that that's something that most of 2533 02:14:13.159 --> 02:14:15.640 the counties are doing right now in Colorado. 2534 02:14:16.119 --> 02:14:19.880 So why would you ever need a title lock? You don't, 2535 02:14:20.399 --> 02:14:21.039 of course not. 2536 02:14:22.920 --> 02:14:26.720 Yeah, Okay, well, thank you very much. I appreciate that information, Dennis. 2537 02:14:26.760 --> 02:14:29.600 We got more coming up. Go with a sure thing 2538 02:14:29.680 --> 02:14:33.000 Denver's best roofer Excel Roofing dot com. You don't pay 2539 02:14:33.039 --> 02:14:39.119 a cent until you're content. Time for an insurance check 2540 02:14:39.199 --> 02:14:43.079 up free, no obligation. In comparison, call Compass Insurance paying 2541 02:14:43.119 --> 02:14:46.159 too much your coverage at dozens of insurance companies find 2542 02:14:46.159 --> 02:14:48.520 out now three O three, seven to seven to one help. 2543 02:14:48.680 --> 02:14:51.319 You'll think you're his only customer when you choose Frank 2544 02:14:51.399 --> 02:14:53.840 durand the Real estate Man dot com to list your 2545 02:14:53.880 --> 02:14:57.039 home with Remax Alliance three oh three nine two zero 2546 02:14:57.119 --> 02:15:02.600 sixteen twenty two. Hi Tom Martino here three oh three 2547 02:15:02.800 --> 02:15:06.159 seven one three talk seven one three two five five Frank, 2548 02:15:06.199 --> 02:15:06.800 what's going on? 2549 02:15:06.880 --> 02:15:07.079 Man? 2550 02:15:07.359 --> 02:15:08.800 I want to try to squeeze you in here. 2551 02:15:08.840 --> 02:15:10.720 I want to remind people of my money myway dot 2552 02:15:10.760 --> 02:15:13.239 com three oh three seven seven nine sixty six hundred 2553 02:15:13.680 --> 02:15:16.119 seven seven nine sixty six hundred. I'm going to try 2554 02:15:16.119 --> 02:15:18.439 to squeeze him in again, Frank. What's going on with 2555 02:15:18.520 --> 02:15:20.399 the collecting money from a contractor? 2556 02:15:21.520 --> 02:15:22.239 Yeah? Can hear me? 2557 02:15:22.680 --> 02:15:25.479 Yes? Are you Are you the contractor? Are you the client? 2558 02:15:26.319 --> 02:15:27.079 I'm the contractor? 2559 02:15:28.079 --> 02:15:31.239 Okay, and you can't collect well you know about leaning 2560 02:15:31.319 --> 02:15:32.119 property right? 2561 02:15:33.600 --> 02:15:36.399 Oh yeah, but it's been it's almost a year now. 2562 02:15:36.800 --> 02:15:39.960 Oh oh yeah, it's too it's too late. It's too late. 2563 02:15:40.479 --> 02:15:41.479 What is it owed for? 2564 02:15:42.800 --> 02:15:44.479 Oh, sociding work? 2565 02:15:45.199 --> 02:15:47.479 Are they let me ask you this, Frank? Are they 2566 02:15:47.520 --> 02:15:49.640 denying you did the work? Or are they saying it 2567 02:15:49.720 --> 02:15:51.800 wasn't good? What is their excuse for not paying? 2568 02:15:52.640 --> 02:15:55.319 Well, no, they're not denying us. They're they're want to pay. 2569 02:15:55.359 --> 02:15:59.479 It's the problem is they trying to rEFInd us they 2570 02:15:59.680 --> 02:16:04.079 was insurable because they had bad sighting, so they contracted 2571 02:16:04.119 --> 02:16:07.119 us to replace it so it could be insured. Yeah, 2572 02:16:07.159 --> 02:16:11.119 and so in the process he was he's a veteran, 2573 02:16:11.159 --> 02:16:13.800 so he's been going to be a loan from some 2574 02:16:14.039 --> 02:16:15.560 company I guess. 2575 02:16:15.920 --> 02:16:16.920 Uh and uh. 2576 02:16:17.920 --> 02:16:20.960 So the son doesn't talk to them, but he's on 2577 02:16:21.039 --> 02:16:26.239 the deed, so he wouldn't go to the signing the 2578 02:16:25.960 --> 02:16:28.279 of I guess to pick for work to do the loan. 2579 02:16:30.159 --> 02:16:33.040 And so he's working to get him off. 2580 02:16:33.360 --> 02:16:33.719 I guess. 2581 02:16:33.719 --> 02:16:37.399 My question is that something he can do or or kicking. 2582 02:16:37.000 --> 02:16:40.959 On and now he's on the deed? Is that right? 2583 02:16:41.440 --> 02:16:46.079 You know, the son with the parents and so so 2584 02:16:46.360 --> 02:16:47.639 three of them are on the deed. 2585 02:16:47.719 --> 02:16:48.280 Is that correct? 2586 02:16:48.360 --> 02:16:52.200 Well, not the mom the mom, just the dad. 2587 02:16:52.360 --> 02:16:54.840 The dad and the son are on the deed. 2588 02:16:55.319 --> 02:16:57.399 Neither one of them can get rid of the other 2589 02:16:58.239 --> 02:17:01.040 without without the others consent. 2590 02:17:02.520 --> 02:17:04.280 Okay, because he's been trying to do with the dogs 2591 02:17:04.280 --> 02:17:06.959 and the judge is going just you. 2592 02:17:06.920 --> 02:17:08.360 Know, the court. 2593 02:17:10.440 --> 02:17:10.639 Month. 2594 02:17:10.840 --> 02:17:13.920 Okay, I'm gonna I'm gonna get Brad O'Brien on the 2595 02:17:13.920 --> 02:17:16.840 air tomorrow. We're gonna talk about this because this happens 2596 02:17:16.840 --> 02:17:19.639 more than you think. If there are two people on 2597 02:17:19.680 --> 02:17:23.840 a deed, and there is no partnership agreement, then you 2598 02:17:24.040 --> 02:17:27.959 have to go through what's called the partnership laws in 2599 02:17:28.040 --> 02:17:31.520 the state. In other words, when people are when people 2600 02:17:31.600 --> 02:17:36.840 own something together in the absence of an agreement, there 2601 02:17:36.959 --> 02:17:41.559 is an implied agreement that the state has and then 2602 02:17:41.959 --> 02:17:47.479 unfortunately it calls for dissolution, which means they would have 2603 02:17:47.559 --> 02:17:50.200 to sell it and divide the proceeds. 2604 02:17:50.559 --> 02:17:52.000 It really gets sticky. 2605 02:17:52.079 --> 02:17:56.760 But I'm hoping Brad O'Brien would have another answer, Kachina, 2606 02:17:56.799 --> 02:17:59.680 would you get Brad O'Brien on tomorrow with this guy. 2607 02:17:59.719 --> 02:18:01.440 This is a very important question. 2608 02:18:01.879 --> 02:18:06.440 Okay, thank you, Jordan Piano, my moneymway dot com. 2609 02:18:06.920 --> 02:18:09.360 These are people you can trust. Three o three seven 2610 02:18:09.559 --> 02:18:13.319 seven nine sixty six hundred. Don't forget folks. Three oh 2611 02:18:13.360 --> 02:18:14.840 three Martino for help.