Speaker 1: Yeah'll ripped up.
Speaker 2: News.
Speaker 1: You need advice? Who you don't help.
Speaker 3: Come run inches as as as a cam shooter's gonna
Speaker 3: help come Man Dix is the Troubleshooter Show.
Speaker 4: No Tom Martino, kello.
Speaker 5: Tom Martino here, Welcome to the show. Three oh three
Speaker 5: seven one three talk seven one three eight two five five.
Speaker 5: Now the three oh three Martino number is probably the
Speaker 5: most important one. Ones you can spread around, You can
Speaker 5: put out anywhere.
Speaker 1: For people that want help.
Speaker 5: If you ever hear somebody complaining about something, give us
Speaker 5: a call at three oh three Martino. If you leave
Speaker 5: a message anytime, day or night, we'll get.
Speaker 1: Back to you on that.
Speaker 5: That's three oh three six two seven eight four sixty
Speaker 5: six three oh three Martino. Now, as we do every day,
Speaker 5: we try to solve your problems, answer questions, take your complaints,
Speaker 5: and I should mention how you get in touch with us.
Speaker 5: You know, on YouTube, we have what I call my
Speaker 5: YouTube morons. They're the streaming audience, and then a lot
Speaker 5: of people download it. More people download the show monthly
Speaker 5: than stream it. And then we also we have live streamers,
Speaker 5: We have downloaders, then we have a radio audience, and
Speaker 5: of course we do have some Facebook flunkies, and we
Speaker 5: have other people who find us.
Speaker 1: So here's the deal.
Speaker 5: These are all places for feedback, and you can also
Speaker 5: get help through those places. You can also get help
Speaker 5: through nextdoor if you message me or any social medium. Okay,
Speaker 5: and you can text my personal This goes to my
Speaker 5: cell phone, folks, I'm not kidding. The only reason I
Speaker 5: did it through a Google number so I can turn
Speaker 5: it on and off. But I will get your text
Speaker 5: So if you have a problem, it's not going to
Speaker 5: go through a staff member. I will give to somebody
Speaker 5: maybe to help me with, but it'll come to me directly.
Speaker 5: You can text my Google number and it's direct, it's mine,
Speaker 5: it's private. Well it's not private anymore, but you can
Speaker 5: do this number. It's seven four seven nine nine fifty
Speaker 5: two eighty. Do you want to remember that it's I
Speaker 5: like airplanes. Seven four seven nine nine nine is just
Speaker 5: because I couldn't do ten ten ten and I wanted
Speaker 5: to be perfection. And then fifty two eighty is the
Speaker 5: mile high city. Seven four seven.
Speaker 1: Nine nine nine fifty two eighty.
Speaker 5: That is a real working number comes to my cell phone.
Speaker 5: I get all of your texts directly. We also have
Speaker 5: the iHeart texting app which is five seven seven three nine,
Speaker 5: and you can text me at any time five seven
Speaker 5: seven three nine, just put Tom in the subject line,
Speaker 5: and then of course you message me through YouTube. I
Speaker 5: get it immediately, and I want to do something. I
Speaker 5: know we have fun on YouTube, and a lot of
Speaker 5: times what we do with YouTube is we use it to.
Speaker 1: Really actually for fun.
Speaker 5: I mean a lot of times it's a whole different
Speaker 5: show going on on YouTube.
Speaker 1: But what I'd like to.
Speaker 5: Do with YouTube, I mean not just this. Of course,
Speaker 5: you guys can, we can discuss anything you want. But
Speaker 5: what I would like to do is have instant comments
Speaker 5: on callers. Now you do that anyway, but I want
Speaker 5: to get a handle, an instant handle on your impression
Speaker 5: of calls or problems. I promise you I'm going to
Speaker 5: take it seriously. Now, obviously you all have your jokes
Speaker 5: like end this call, or my god, I'm dying here,
Speaker 5: or this person's moron whatever. I don't mind that, but
Speaker 5: if you have any serious comments, you make them here.
Speaker 5: I'm going to try to incorporate that during the call.
Speaker 5: There's nothing like live feedback.
Speaker 1: During the call.
Speaker 5: And of course you can also text me, so remember
Speaker 5: that five seven seven three nine through iHeart or you
Speaker 5: can go seven four seven, nine nine nine fifty two eighty.
Speaker 5: I'm just trying to give you as many places as
Speaker 5: possible to get through to me.
Speaker 1: Now, Quorra.
Speaker 5: I used to go on Quorra and answer questions, But god,
Speaker 5: I don't know if anybody has Quorra, but that that
Speaker 5: platform has gotten so crazy. Have you noticed that a
Speaker 5: lot of platforms are just taken over by ideology, I
Speaker 5: mean totally just taken over.
Speaker 1: Look at I don't mind diversity of thought.
Speaker 5: I like having I don't think lopsided government's good one
Speaker 5: way or the other. I love variety. I love an
Speaker 5: exchange of ideas. But my god, it's just amazing how.
Speaker 1: There is no real diversity of thought.
Speaker 5: Now they're they're kind of quashing out non I call
Speaker 5: them non narratives. Now, before you say, ah, Tom, you're
Speaker 5: you know you're coming down on progressives and liberals.
Speaker 1: That's the current narrative right now.
Speaker 5: I true feel that the majority of the wave, with
Speaker 5: younger people and a lot of adults, is toward liberal
Speaker 5: progressive policies, or at least that is what Michael Brown
Speaker 5: would call the cabal cabal, the power, the deep state,
Speaker 5: some people call it. Let's just call it the narrative.
Speaker 5: There are different narratives at different times. There really are.
Speaker 5: During the Reagan period we had the silent majority, and
Speaker 5: he had a narrative that really the country was conservative,
Speaker 5: no one really knew it, and he appealed to those people,
Speaker 5: but that he said, that was the real undercurrent of
Speaker 5: the country. I'm not preaching one or the other, by
Speaker 5: the way, I'm just saying that. Have you noticed how
Speaker 5: ideology takes over platforms. They absolutely For example, Quora, Quora
Speaker 5: poses questions on purpose that beg answers that slam anything
Speaker 5: conservative or anything Trump related. Of course, so many people
Speaker 5: love slimmy Trump, but they always and then they ask
Speaker 5: questions that always elicit compliments and praise for Kamala Harris
Speaker 5: or Biden.
Speaker 1: It's just the way it is. I'm not giving you
Speaker 1: my thoughts, I'm telling you that's the way. It is.
Speaker 5: The same thing with other forms of media. They all
Speaker 5: have narratives. You remember during COVID, COVID everything was vaccination,
Speaker 5: everything was face mask everything was you know, everyone needs
Speaker 5: to do everything as opposed to going to those people
Speaker 5: at risk, as it turns out they were all wrong.
Speaker 5: Whether you like it or not, they were all wrong.
Speaker 5: The reason so many people died is they were doing
Speaker 5: weird protocols when people got sick. They weren't treating people properly.
Speaker 5: They didn't know how to treat people. If we had
Speaker 5: it now, it would be a whole different ballgame. But remember,
Speaker 5: narrative was face masks and vaccinations and government control and mandates,
Speaker 5: and and Zuckerberg just came out and admitted that he
Speaker 5: was told to suppress anything that wasn't.
Speaker 1: The narrative for COVID.
Speaker 5: Doesn't that bother you that the government's trying to get
Speaker 5: involved in these platforms because they don't want us to
Speaker 5: see certain things, and they suppress the Hunter Biden laptop stories.
Speaker 1: So there are some people that talk about rigged.
Speaker 5: Elections, and they don't necessarily mean rigged in the sense
Speaker 5: that they stuffed ballot boxes. But what they mean is
Speaker 5: they controlled what you saw. Now again, you know, I
Speaker 5: don't get political here where I try to tell you
Speaker 5: what to vote for, who to vote for. I'm just
Speaker 5: making some observations. Does anyone is anyone afraid of that
Speaker 5: that the government pressures companies and only want certain information release.
Speaker 5: And the really chilling thing is how many people go
Speaker 5: along with that.
Speaker 1: Why?
Speaker 5: Because it's okay for censorship. If you're censoring people who
Speaker 5: disagree with me, that's scary. It's okay to censor those
Speaker 5: people who I don't like hearing from.
Speaker 1: Let's go to the phones. Heather called yesterday.
Speaker 5: I wanted to get Deputy Doc's take on this, and
Speaker 5: I also did some research on it. So she said,
Speaker 5: let's just get right to the meat of the story.
Speaker 5: She called paramedics for some terrible menstrual pains. She has
Speaker 5: cysts on her ovaries, Doc, and she has terrible, terrible
Speaker 5: menstrual cycles, some of them bursts sometimes and this pain
Speaker 5: is unbearable, and she called paramedics more than once. Now
Speaker 5: I've heard of people going through this. It's a terrible
Speaker 5: thing when they have cysts on their ovaries. And Deputy
Speaker 5: Doc as that retired obgyn and so I mean there
Speaker 5: are many people that go to emergency rooms for it.
Speaker 5: She calls an ambulance and she said when she was
Speaker 5: in the ambulance somewhere somehow they gave her ketymine. Now
Speaker 5: ketymine is being used a lot in different circumstances. For pain, anxiety,
Speaker 5: a combination of those things. Doc, when you were around
Speaker 5: in practicing, was ketymine used almost never time?
Speaker 1: I never used it in my forty plus years. But
Speaker 1: did you hear about did you know about it? Success?
Speaker 1: Still about it?
Speaker 6: But I don't remember anybody using it the way they're
Speaker 6: using it now.
Speaker 1: Oh frequently. Yeah, and they're especially using it on what on.
Speaker 5: Patients or people that they perceive are overly anxious or
Speaker 5: will give them trouble. But here's what she called about.
Speaker 5: And I looked it up and there are there's no
Speaker 5: scientific evidence to support it. She was giving one dose
Speaker 5: of this one, and.
Speaker 1: She said, ever since then, she's never been the.
Speaker 5: Same, and she's having all kinds of neurological problems. Nowhere
Speaker 5: anywhere in any literature anywhere can I find, even on
Speaker 5: the sites that tend to be wacko, I can find
Speaker 5: no records, no clinical evidence, no case studies, no predominant
Speaker 5: side effects.
Speaker 1: For anything they say.
Speaker 5: During usage, you can have some cognitive impairment, bladder and
Speaker 5: kidney issues, even psychosis if you use it in higher doses, disorientation,
Speaker 5: confusion and dizziness, and nausea if you use it a lot,
Speaker 5: and come off it, but normally there's no permanent, lasting effects.
Speaker 5: She's saying her hands are going numb randomly now and
Speaker 5: she had to give up her job as a mechanic.
Speaker 5: She also said it scared the hell out of her
Speaker 5: when she was administered it because she saw her dead
Speaker 5: mother and she hallucinated. And that's all understandable. I think again,
Speaker 5: I'm not a doctor. I'm not even close. I think
Speaker 5: Heather's having anxiety as a result of the experience. It's
Speaker 5: like a bad trip. But this numbness of the hands, Look,
Speaker 5: it could be anything. It could be a pinch nerve
Speaker 5: in the neck, it could be anything. It could be
Speaker 5: carpal tunnel. There's so many things. But Heather, I really
Speaker 5: did some searching to find out if there are permanent,
Speaker 5: permanent effects from ketamine, and from one dose of ketamine
Speaker 5: there is not one instance, not one of permanent damage.
Speaker 6: Hey, Heather, how did you find out it was kedemine?
Speaker 6: Did you ask them what they gave you?
Speaker 7: Yes?
Speaker 1: When did there's the car?
Speaker 8: Heather?
Speaker 4: How long two weeks ago?
Speaker 1: How long two weeks ago?
Speaker 9: Have you mean before for pain?
Speaker 6: Have you seen have you seen a neurologist about your symptoms?
Speaker 10: No, I just said, they just started.
Speaker 9: So I just called I called Tom on everything.
Speaker 5: On every issue I ever ever have, I call him
Speaker 5: wherever it's medical or whatever.
Speaker 2: But memory losses is a big one too.
Speaker 11: But I don't know, Heather.
Speaker 5: Heather, I know it scared you, and you've said that
Speaker 5: several times, and I know it really affected you. But
Speaker 5: I'm going to tell you that your memory loss and
Speaker 5: your neurological problems from everything I'm reading, Doc, what's the
Speaker 5: likelihood that one dose of a medication will do this
Speaker 5: much damage?
Speaker 1: Tom?
Speaker 6: It's almost I can't even give you a number. I mean,
Speaker 6: there are people who have idiosyncre reactions to certain medications,
Speaker 6: and she may be that one in ten million that
Speaker 6: had that kind of reaction, But the probability is so
Speaker 6: small that I think it approaches zero.
Speaker 1: I mean, it really does.
Speaker 5: So I don't know what you want, Heather, when you
Speaker 5: called yesterday.
Speaker 1: What is your goal?
Speaker 2: Well, just to talk to you.
Speaker 5: I don't want look at when I tell you this.
Speaker 5: I don't want you to feel I don't want you
Speaker 5: to feel bad.
Speaker 1: I don't want you to feel.
Speaker 5: Like no one wants to help you. You can get hell,
Speaker 5: but it's you got to stop blaming one dose of ketamine. See,
Speaker 5: you're connecting your anxiety and your symptoms with something that
Speaker 5: happened to you.
Speaker 1: Look at Yeah, they gave you ketymine.
Speaker 5: You keep saying it scared the crap out of you,
Speaker 5: you were never given it before, blah blah blah blah blah.
Speaker 1: Okay, fine, but that doesn't.
Speaker 5: Necessarily mean it caused every negative effect you're having right now.
Speaker 5: I mean, I'm just and you know how much I
Speaker 5: like you and how much we've worked together, And I
Speaker 5: would never, ever, ever I've helped her before, I would
Speaker 5: never mislead you on this. You need to see a
Speaker 5: neurologist or see normal healthcare providers for your symptoms.
Speaker 1: But here's the problem.
Speaker 5: If you go to them and say, oh, I'm having
Speaker 5: these problems because I had a dose of ketamine, They're
Speaker 5: gonna think you're nuts. See a lot of times this
Speaker 5: is unfortunate. We kind of skew our healthcare based on
Speaker 5: our assertations and conclusions, and doctors tend to avoid those
Speaker 5: kinds of pay Hold on, I must, I must take
Speaker 5: this break.
Speaker 1: Just hang on, we'll come right back.
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Speaker 1: Help.
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Speaker 1: I'm Tom Artino.
Speaker 5: By the way, we'll be talking to Joe Canno about
Speaker 5: the market, the stock market, safe investing coming up Joecanos
Speaker 5: with my Moneymway dot com. I want to talk to Mary.
Speaker 5: She said she was cheated in an auto sale. Now
Speaker 5: I will say this could happen, could happen? What's going on?
Speaker 1: Mary? Hi?
Speaker 2: Hi, thanks for taking my call.
Speaker 12: I really appreciate it.
Speaker 1: Yeah, all the.
Speaker 2: Called so many TV stations and everybody said they're too busy.
Speaker 1: But no, I don't hold on, hold on.
Speaker 5: If they said they're too busy, I would I would
Speaker 5: suspect that they're not too busy, that they're just giving
Speaker 5: you the brush off because they don't think you have
Speaker 5: a good case. Now I'm going to be honest with
Speaker 5: you and tell you what I think of your situation.
Speaker 2: So go ahead, Okay, Well what happened was.
Speaker 13: We went to this Michael Autodale on de Summer thirty first,
Speaker 13: twenty twenty two.
Speaker 1: And they wait, wait twenty twenty two.
Speaker 13: Yeah, honestly, yeah, we've been dealing with these people for
Speaker 13: a long time as well.
Speaker 5: Okay, that alone, that alone is major. So you went
Speaker 5: did you buy a car in twenty twenty two in December?
Speaker 10: Yeah?
Speaker 5: Okay, So you bought a used car from Michaels. And
Speaker 5: where is Michaels?
Speaker 13: It is on forty three twenty eight East Colfax Avenue
Speaker 13: here in Denver.
Speaker 5: Oh on East Colfax. Okay, and what happened? What? What
Speaker 5: would So you bought a used car? By the way,
Speaker 5: what did you buy? Uh?
Speaker 2: We bought alexis what year? It was a twenty fourteen
Speaker 2: and it looked gorgeous.
Speaker 1: Lexus And and tell me what how many miles on it?
Speaker 2: Let's see it was I got the paperwork right in
Speaker 2: front of me.
Speaker 11: Let me see where is mine?
Speaker 1: Just when you when you bought it?
Speaker 5: Approximately how many miles?
Speaker 2: One hundred and thirty two thousand money.
Speaker 5: Okay, So that means you're going to have something go
Speaker 5: wrong with it, because there's no such thing as a
Speaker 5: perfect car with one hundred and thirty two thousand. So
Speaker 5: did you get the car? And again, I'm not trying
Speaker 5: to trick you. I'm doing what these other media people
Speaker 5: did not do, and that is go through each detail
Speaker 5: and tell you some of the problems you might have.
Speaker 5: So did you get the car checked out?
Speaker 8: No?
Speaker 5: Okay, So what happened? Tell your story?
Speaker 2: Well, they sold the car for seventeen thousand, four hundred
Speaker 2: and ninety six. They sent us, they sold.
Speaker 13: Us a huge warranty and ended up financing us twenty
Speaker 13: three thousand and sixty two dollars.
Speaker 5: Okay, So the car was seventeen thousand plus warranty.
Speaker 1: Yes, and it all came out to twenty three thousand.
Speaker 11: Yes.
Speaker 1: Okay. Well you know.
Speaker 5: That that right there was the worst deal you could make,
Speaker 5: but you made it.
Speaker 1: There's no one had a gun to your head.
Speaker 5: And by the way, you know YouTube's already saying that
Speaker 5: a lot of this is on you.
Speaker 8: Right.
Speaker 5: What kind of dealer is Michael's, is it?
Speaker 1: I don't know? I mean, so are you.
Speaker 5: I'm going to be honest with you, and I'm not
Speaker 5: going to tell you I'm too busy. But if you
Speaker 5: bought a car and twenty twenty two, first of all,
Speaker 5: you're beyond the statute limitations for anything.
Speaker 1: You can't go back after this dealer.
Speaker 5: You bought it with one hundred and thirty two thousand
Speaker 5: miles on it. You bought it as it. Oh no, no,
Speaker 5: you had a warranty. What kind of so then, so
Speaker 5: you financed twenty three thousand. Do you still have this car?
Speaker 2: Yeah, it's sitting here just like it's been now.
Speaker 5: Is the problem you can't get them to fix it
Speaker 5: under warranty that you bought.
Speaker 13: Well, that's one of the problems. But what happened was,
Speaker 13: I mean it got it got pretty dirty because what
Speaker 13: happened was they apparently sold the car by clearing the codes.
Speaker 13: Because when we brought it home, like a day or
Speaker 13: two after we brought it home, the check engine came
Speaker 13: on and we're like, oh, there's something wrong with the car.
Speaker 2: They're like, hey, yeah, it's fine. You know, we'll fix it.
Speaker 13: You know, any problems you have, you know, you've got
Speaker 13: to warranty. Blah blah blah, so we went ahead and.
Speaker 11: Gave it to them, and.
Speaker 2: They gave us a longer car, and they're like, oh.
Speaker 13: We're taking it to Toyota Automation.
Speaker 2: It's getting looked at. Oh, we're going to fix it.
Speaker 2: They kept telling us, we're going to fix it.
Speaker 13: Oh, don't worry, we're going to fix it until a
Speaker 13: certain time period lapsed where you know, they.
Speaker 2: Didn't have to fix it anymore, or something.
Speaker 1: Like that or whatever.
Speaker 5: Well, I don't even know what you're talking about, Like
Speaker 5: what was wrong with the car. You didn't tell me
Speaker 5: that part you said the engine light.
Speaker 2: Went on, But yeah, and they sold us the car.
Speaker 13: So the car had a bad engine, and they apparently
Speaker 13: knew it, and they went ahead and sold it to us.
Speaker 2: Cleared the code so that we would buy it, and
Speaker 2: made it look good on the outside. We bought the car.
Speaker 5: We thought it was so Mary, hold on, Mary, I
Speaker 5: don't like that, by the way, And you're right, that's
Speaker 5: dirty dealing, is what they did. If they knew it
Speaker 5: had a bad engine and they sold it to you,
Speaker 5: that that's not cool. However, it's also probably not illegal.
Speaker 5: They can sell a car in any condition they want,
Speaker 5: as long as it's not unsafe, they can say. And
Speaker 5: even if it's unsafe, all they have to do is
Speaker 5: make it safe. The only two things they have to
Speaker 5: do is it has to be roadworthy and that's very
Speaker 5: bare minimum, and it has to pass emissions.
Speaker 1: After that, everything is on you.
Speaker 5: But what I don't understand is the car you said
Speaker 5: had a bad engine.
Speaker 1: Did you replace the engine or not?
Speaker 2: They said they were going to replace it, but.
Speaker 5: Oh really, so they offered under that warranty to replace
Speaker 5: the engine?
Speaker 1: Yes, did they do it?
Speaker 11: No?
Speaker 1: Why?
Speaker 9: I don't know?
Speaker 5: I mean why, I mean, if you have a warranty
Speaker 5: and the engine is bad, why didn't they replace it?
Speaker 5: Usually used car warranties won't fix pre existing conditions. Did
Speaker 5: they give you a reason they won't fix it? Now?
Speaker 2: They said that they fixed it, but they didn't because
Speaker 2: we still still have problems with it.
Speaker 1: Did they say they replaced the engine?
Speaker 2: Yes, they actually so that they replaced the engine. But
Speaker 2: it's kind of a little bit crazy because for six.
Speaker 13: Months they had a car sitting with them and they
Speaker 13: never fixed anything.
Speaker 5: Yeah, but right now, I can't go back in time
Speaker 5: like that. But what I can do is this, You've
Speaker 5: had it since December of twenty twenty two till now.
Speaker 1: How many miles were you able to get out of
Speaker 1: this car? How many miles did you put on it?
Speaker 8: I can both look at it.
Speaker 5: Just roughly roughly, I mean, did you get any use
Speaker 5: out of it? Or has it been down the whole time?
Speaker 13: We finally, in December of last year, they had us
Speaker 13: take it to a mechanic to get it to actually
Speaker 13: turn on.
Speaker 11: Okay, turning on literally?
Speaker 8: So yeah, the whole year.
Speaker 2: The whole year, it's sat until December of last year.
Speaker 1: And uh so, wait a minute.
Speaker 5: You never drove it for the entire twenty twenty three
Speaker 5: until December. You took it into a shop, so you
Speaker 5: put zero miles on it from the time you bought
Speaker 5: it till the time you took it into a.
Speaker 1: Mechanic a year later.
Speaker 5: Yeah, okay, so then you take it into so it
Speaker 5: sat for a year.
Speaker 1: Where did it sit for that year?
Speaker 2: Six months? It sat with them in their lot apparently,
Speaker 2: or went to wherever they said they took it, and
Speaker 2: they never didn't work on it. And while they gave
Speaker 2: us a loaner to pacify us and make it.
Speaker 5: Wait a minute, so hold on, hold on, So you
Speaker 5: did have a loaner for all of twenty twenty three.
Speaker 2: No, only for six months.
Speaker 5: Okay, okay, for six months. Then after six months?
Speaker 13: What happened after six months? They said it was June
Speaker 13: last year. They said, bring us our loaner back or
Speaker 13: we'll call the police.
Speaker 1: And did they say your car was done?
Speaker 2: No, they towed our car in front of our house
Speaker 2: and sat it there.
Speaker 5: All right, hold on, we'll come right back to this.
Speaker 5: This is this is this is the most ridiculous story
Speaker 5: I've ever heard. But Mary, I'm gonna warn you these
Speaker 5: people may have screwed you legally. I mean legally. I
Speaker 5: don't know what you can do. We're gonna have to
Speaker 5: analyze it. Hold on, I'm serious. We have some hard
Speaker 5: advice for you coming up. Go with a sure thing
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Speaker 5: a cent until you're content. Time for an insurance check
Speaker 5: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 5: too much your coverage at dozens of insurance companies find
Speaker 5: out now three O three seven to seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: Durand the real estate man dot com to list your
Speaker 5: home with Remax Alliance three three nine two zero sixteen
Speaker 5: twenty two. Hi, I'm Tom Martino. You're a troubleshooter. I
Speaker 5: want to go back to Mary. Listen, Mary, I'm gonna
Speaker 5: tell you something. Okay, I don't doubt I don't doubt
Speaker 5: that there are car dealers that pull shenanigans all the time. Okay,
Speaker 5: I don't even know what that means. Pull shnangan me.
Speaker 1: You know what I mean?
Speaker 5: They do, They do tricks and scams. While I'm not
Speaker 5: sure what this was. I mean, I doubt they didn't
Speaker 5: know about the car. They probably knew the car was
Speaker 5: what it was. They got too much for the car,
Speaker 5: they found someone willing.
Speaker 1: To buy it.
Speaker 5: You got screwed, Okay, I don't doubt it. But there's
Speaker 5: nothing you can but you bought it as is. And
Speaker 5: here's the thing. You have a warranty. You can you know,
Speaker 5: you can try to get them to if it's covered
Speaker 5: under the warranty, you know, get them to fix it.
Speaker 5: But right now, I'm not sure exactly what you want.
Speaker 5: Are you trying to get a refund that won't happen?
Speaker 5: What are you trying to do because you've done so
Speaker 5: many things wrong.
Speaker 1: When you bought this car. I get you.
Speaker 5: Even though people do things wrong, Mary, it would be
Speaker 5: a wonderful world if people didn't get screwed because they're
Speaker 5: ignorant and I mean ignorant of buying cars. There are
Speaker 5: a lot of people that don't know how to buy cars.
Speaker 5: But what I want to know is this, Okay, what
Speaker 5: are you calling about? What do you want?
Speaker 13: I want them to get shut down because we're not
Speaker 13: the only people that they've done this too, and there's
Speaker 13: people that.
Speaker 7: Did How do you know that there's people.
Speaker 2: That did reviews on their website about how they got
Speaker 2: screwed over. And even my neighbor across the street, she
Speaker 2: told me that they sold them as a car and
Speaker 2: they were.
Speaker 13: Out three thousand dollars cash because the car was no
Speaker 13: good when they brought it home.
Speaker 2: She says, she knows exactly what I'm talking about.
Speaker 5: Why do you think none of these people are getting
Speaker 5: these cars checked out?
Speaker 2: I don't know. Probably because they're desperate, or they don't
Speaker 2: know how to.
Speaker 5: Do it, or right, You're right, Mary, You're absolutely right.
Speaker 5: Will it cost to get your car running?
Speaker 1: Do you know.
Speaker 13: Alexis said it would be fifteen thousand dollars to fix
Speaker 13: everything that's wrong with it.
Speaker 5: That's what the dealer said. Did you take it to
Speaker 5: anybody else to see? Uh?
Speaker 2: Yeah, I did take it to Bill Krestmore Automotive.
Speaker 1: What did he tell you?
Speaker 2: Let me see, I got an email just roughly.
Speaker 1: I mean, does it need an engine still?
Speaker 2: He said that, yeah, I mean it does. Yeah, unfortunately,
Speaker 2: so that's that's not a good thing.
Speaker 13: He said that that they have to do an official
Speaker 13: diagnostic on the engine and all this kind of k
Speaker 13: so I think.
Speaker 11: That could see.
Speaker 1: Okay, Bo, will you call this dealer? I just want
Speaker 1: to call it Tom.
Speaker 14: I was thinking, Mary, Yes, the warranty is transferable. Why
Speaker 14: don't you take your warranty to a now their dealers?
Speaker 1: Well, I don't know what kind of warranty. She could
Speaker 1: have gotten, a crap warranty. We don't even know.
Speaker 5: Hold on, all right, Bo, talk to the dealer and
Speaker 5: talk to the dealer during the show. Let's let's see
Speaker 5: if we can get a comment.
Speaker 14: When I get the number, Ill called her in this sh.
Speaker 1: Yeah, yeah, yeah, let's do that. Bill. What's going on
Speaker 1: with you?
Speaker 15: Bill?
Speaker 1: Welcome to the show. What's happening.
Speaker 16: Hey, guys, I got called to do some bathroom repair
Speaker 16: at the business downtown and it appears that the water
Speaker 16: is coming from a park that's right next door that's
Speaker 16: owned by the city Raised planners.
Speaker 5: The Raised planner, Well, so the bath repairs was for
Speaker 5: leaky water or what for water coming in?
Speaker 16: There's water damage. I attached some photos in an email earlier.
Speaker 1: And is it a business you're working on right in downtown?
Speaker 16: Yeah, downtown, I.
Speaker 5: Said, okay, And you say it's coming in from the city.
Speaker 5: Did you notify them her?
Speaker 16: And she said she's been in contact with the city
Speaker 16: and they've said that it's not coming.
Speaker 8: From the park.
Speaker 1: And you're sure it is.
Speaker 16: Right If you look at the photos, it's like it.
Speaker 1: Yeah, I'm gonna look at them during the break.
Speaker 5: Here, hold on one second, I'm getting a little behind here,
Speaker 5: so let me go look at it right now. Three
Speaker 5: oh three seven, one three eight two five five Go
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Speaker 5: You don't pay a cent until you're content, wait time
Speaker 5: for an insurance check up free, no obligation. In comparison,
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Speaker 5: of insurance companies. Find out now three all three seven
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Speaker 1: Copy Tom Martino, you're troubleshooter. Let's go back to the phones.
Speaker 1: It's important, Bill. I looked at this. The one thing
Speaker 1: I see.
Speaker 5: I see a lot of water damage, and it's a
Speaker 5: DoD They own this building or do they rent it?
Speaker 16: I believe they own it, and you're.
Speaker 5: Doing work for them, and the city refuses to acknowledge
Speaker 5: the water intrusion.
Speaker 1: Is that right?
Speaker 8: Yes?
Speaker 1: What do they base it on?
Speaker 16: I don't know they the owner had been in contact
Speaker 16: with them. So what I'm telling you is.
Speaker 5: Just I need to get their contact at the city.
Speaker 5: But here's the problem. Those photos you show don't show
Speaker 5: a park. Are you talking about that little grass area
Speaker 5: outside of their building?
Speaker 16: So what they have adjacent to that wall where the
Speaker 16: bathrooms are is a open air park. But up against
Speaker 16: the wall are two planners that extend out about twelve
Speaker 16: feet and they arch around.
Speaker 1: And who owns those planters all.
Speaker 16: The city of the city of Lamar.
Speaker 1: It's Lamar.
Speaker 16: What they do, yeah, what they used for keeping the
Speaker 16: water out? It looks like, well it is, it's a
Speaker 16: ice and water.
Speaker 5: I mean you just said Lamar, didn't you say it downtown?
Speaker 5: So it's downtown.
Speaker 1: Lamar, Yes, sir, Okay, Lamar, Okay, okay. And the water
Speaker 1: is coming from a city park. Okay.
Speaker 5: I don't see that in the picture. That's the problem.
Speaker 5: But I'm not doubting you. If you're there, and you'd
Speaker 5: have no reason not to tell the truth here, we
Speaker 5: probably need to document it. They probably need to get
Speaker 5: an engineer to fight Lamar. I don't mind contacting Lamar.
Speaker 5: But Lamar is going to say no, And what do
Speaker 5: we have to fight it?
Speaker 1: Your opinion? Right?
Speaker 8: Right?
Speaker 16: And but so my question is, if if you own
Speaker 16: a building that's adjacent to my building, can you burn
Speaker 16: dirt up again about two feet tall?
Speaker 5: Probably not? I mean, you know that's weird. So no,
Speaker 5: I don't think I can just go and put dirt
Speaker 5: up against your your siding and rotted out with water
Speaker 5: and sprinklers. No, I don't think you can. I mean,
Speaker 5: this is what's so strange about it? Why are they
Speaker 5: being such jerks?
Speaker 8: Right? So I reached out to the park.
Speaker 16: And wrec director. I've yeah, sent an email and I'm
Speaker 16: gonna I'm gonna visit with him and just say, hey,
Speaker 16: we want to fix these bathrooms. But I can't fix
Speaker 16: the bathrooms until we stopped the wall.
Speaker 1: Unless the guy's a complete moron.
Speaker 5: So you're saying those planters belong to the city, Yes, And.
Speaker 1: They literally piled hold on. They literally piled.
Speaker 5: Dirt up against that guy's building and put a wall
Speaker 5: around it and made a planter.
Speaker 8: When you get it.
Speaker 16: Back up, they used a piece of ice and water shield.
Speaker 16: They rolled it from the dirt up and if you
Speaker 16: know what ice and water shield is.
Speaker 1: No, I know they thought that would shield it from
Speaker 1: the water.
Speaker 5: I get it. But so we need to get a
Speaker 5: professional opinion. I mean, your a professional opinion. I mean,
Speaker 5: this is ridiculous. This is absolutely ridiculous. You can tell
Speaker 5: them that you were in touch with me. Tell them,
Speaker 5: you know what, the the immunity laws do not apply.
Speaker 5: Once they know there's a condition like this and they
Speaker 5: refuse to fix it. Tell them that specifically, Okay, there's
Speaker 5: governmental immunity for the maintenance of city property.
Speaker 1: So he's going to tell.
Speaker 5: You, well, we're immune from all of that. They're not not.
Speaker 5: If they know about a condition and they ignore it,
Speaker 5: call me back Bill, Okay, after you talk to them.
Speaker 5: I'm Tom Martino. This is ridiculous. Three three seven to
Speaker 5: one to three talker is our number. You never know
Speaker 5: what you're gonna hear on this show. My God, That's
Speaker 5: why I do it each and every day, and I
Speaker 5: love it. We have more coming up on the Troubleshooter Show.
Speaker 1: Get your calls in three to zho three Martino three
Speaker 1: oh three two seven eight four sixty six.
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Speaker 5: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 5: Three time for an insurance check up free no obligation
Speaker 5: comparison call Compass Insurance Paying too much your coverage at
Speaker 5: dozens of insurance companies find out now three oh three
Speaker 5: seven seven to one help. You'll think you're his only
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Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two.
Speaker 3: Rip News Need Advice who.
Speaker 1: You don't have.
Speaker 3: Run anxious as can shoots gonna help.
Speaker 17: Come man, this is.
Speaker 4: The Trouble Shooter Show.
Speaker 5: No, Tom Martino, Hi Tom Martino here, Welcome to the show.
Speaker 5: Three three seven one three talk three oh three seven
Speaker 5: one three eight two five five.
Speaker 1: Here we are helping.
Speaker 5: People solve problems, answering questions, taking complaints, sometimes telling people
Speaker 5: we can't help them, especially this this this repeating problem.
Speaker 1: Guys. Everyone knows that.
Speaker 5: I say, guys, my my deputies in the studio and
Speaker 5: also my deputies are my my YouTube morons and everyone else. Uh,
Speaker 5: here's the problem, man, I'm telling you it's it's terrible, terrible, terrible, terrible, terrible.
Speaker 5: And that is when you have a situation where you
Speaker 5: buy a used car and it goes to hell in
Speaker 5: a hand basket. As they say nothing you can do
Speaker 5: about it. I mean there are rare circumstances.
Speaker 1: You can do something about it.
Speaker 5: Rare if someone directly lies to you and you can
Speaker 5: prove it. You want to go through the fraud allegation
Speaker 5: blah blah blah. Most of the time you buy something
Speaker 5: as is or under a limited warranty, and that warranty sucks.
Speaker 1: There's not much you can do about it.
Speaker 5: Get these cars checked out. I don't care where you
Speaker 5: buy them. Get them checked out independently.
Speaker 1: Karen, Hi, what's going on with you? Karen? Welcome to
Speaker 1: the show.
Speaker 5: I'm Tom Martine him.
Speaker 17: I was hoping you could help.
Speaker 11: Me because.
Speaker 17: Signed like a general contract and I've been listening.
Speaker 5: To your show and now you signed a contract to
Speaker 5: have work done.
Speaker 17: Well as an estimate. I mean it was like it said,
Speaker 17: you know, I had a flood in my condo, and
Speaker 17: it's so the flood happened in May.
Speaker 5: Okay, so the flood happened in May, and and did
Speaker 5: you was this your fault?
Speaker 1: I mean, did your insurance cover it? Or was it
Speaker 1: the HA or what.
Speaker 17: My insurance covered it? But they said I did not
Speaker 17: have to use this contractor.
Speaker 5: Well, okay, then why did you use this contractor I
Speaker 5: never did?
Speaker 17: I never did I who did you use?
Speaker 8: Wait?
Speaker 1: Wait wait wait wait now hold on, now I'm confused.
Speaker 5: You said you didn't use him. You canceled with him.
Speaker 5: So you did sign with him and then cancel.
Speaker 17: Yeah, but it was like one of those general like
Speaker 17: estimate saytans, like there was no detail on there.
Speaker 1: But okay, it was was it, Karen, Was it a contract?
Speaker 17: It was like a general one.
Speaker 1: Well, it doesn't matter if.
Speaker 17: There was one specific There are no specific details on it.
Speaker 1: There doesn't have to be. There doesn't have to be.
Speaker 5: I mean, now it would be stupid to sign a
Speaker 5: contract like that.
Speaker 1: But a contract only has to have do I've learned that.
Speaker 5: Now a contractor a contract only has to have a
Speaker 5: price and acceptance, a general scope of work or what
Speaker 5: they're going to do, promise and whatever I mean, And
Speaker 5: then signatures.
Speaker 1: Did he sign it?
Speaker 17: I don't, probably, But the thing is is.
Speaker 1: When did you sign the contract with them?
Speaker 5: Let's just let's just talk about the contract, okay, because
Speaker 5: it's not going to go away because you don't want
Speaker 5: it there.
Speaker 1: When did you sign the contract?
Speaker 17: Probably in May when the flood happened.
Speaker 7: And I was like, look, and who did you sign?
Speaker 1: What is his name?
Speaker 5: Sign a contract with who?
Speaker 17: Brian from Spectrum Wood Floors? Okay, colrad okay.
Speaker 1: So Spectrum Wood Floors.
Speaker 5: And then use how did you find them?
Speaker 17: I just think of internet search or okay.
Speaker 5: And then you said you talked to your insurance They
Speaker 5: said you don't have to use them. Well, your insurance
Speaker 5: doesn't know squat about this your insurance. Did your insurance
Speaker 5: know you signed a contract?
Speaker 17: Probably not?
Speaker 5: Okay, So let's get to the right. Let's get to
Speaker 5: the meat of the heart of the matter. You tried
Speaker 5: to cancel with him. What does that mean?
Speaker 11: Okay?
Speaker 17: So when I saw, you know, he he only came
Speaker 17: once to my condo and there was no you know communication.
Speaker 1: Did you pay him anything?
Speaker 11: No?
Speaker 17: I never paid him anything. But on this lean that
Speaker 17: he filed, he said he delivered materials to my condo
Speaker 17: and I never even picked out Well, that.
Speaker 5: Would be the only way he could file and lean.
Speaker 5: But Karen, I want you to.
Speaker 4: Back up a little bit.
Speaker 2: That's a lie.
Speaker 5: How Okay, you signed the contract, you had buyer's remorse,
Speaker 5: and you canceled.
Speaker 1: When how long after you signed it did you cancel?
Speaker 17: Probably like October October?
Speaker 5: It was so wait wait June, July, August, September, October,
Speaker 5: five months later you canceled. What happened to the damage
Speaker 5: during that five months?
Speaker 11: Nothing?
Speaker 15: Wait?
Speaker 5: So you didn't have it repaired or mitigated or temporary
Speaker 5: or anything?
Speaker 1: Nothing done? No, you didn't have anyone else work on it?
Speaker 16: No?
Speaker 5: Okay, why did you wait? Why did you wait five months?
Speaker 17: Well, so I have us a a insurance and I
Speaker 17: don't know that's I thought he was working on it.
Speaker 11: I wasn't.
Speaker 5: Okay, I got it, So, Karen, I get it.
Speaker 1: I get it.
Speaker 5: So, Karen, when when you signed a contract with him
Speaker 5: in May and then canceled in October?
Speaker 1: How did you cancel? Did you write him a letter?
Speaker 15: Yes?
Speaker 1: I e an email? Email?
Speaker 18: Yeah?
Speaker 5: Okay, so you wrote and what did you say to him?
Speaker 5: What did you say to.
Speaker 1: Him in the email?
Speaker 19: I said.
Speaker 17: I wanted to go with a different.
Speaker 7: Contractor did you give a reason?
Speaker 17: Well, I didn't think it was. Anything was done in
Speaker 17: a timely matter, and he never even sent me an estimate.
Speaker 17: And when he sent the estimate, he told the insurance
Speaker 17: company he was putting in real wood floors, and he
Speaker 17: had told me he was putting in you know, those
Speaker 17: laminet floors.
Speaker 5: Okay, listen, Karen, don't pick. You're trying to pick apart
Speaker 5: stuff that's not going to matter. So that's all I'm
Speaker 5: telling you. If you really want to do this, you
Speaker 5: got to do it with real ammunition, real bullets.
Speaker 1: I mean.
Speaker 5: So here's what I need to know. What was he
Speaker 5: doing for five months? Well, he never called you once.
Speaker 17: There might have been a little communication, Like he said,
Speaker 17: he was just working with the insurance company.
Speaker 1: But okay, and what did he claim he delivered to
Speaker 1: your home.
Speaker 17: Materials?
Speaker 1: What material product?
Speaker 5: Yeah, like good.
Speaker 17: Flooring or whatever, which yeah, I never picked out any.
Speaker 5: So nothing was ever hold on, nothing was ever delivered
Speaker 5: to your home.
Speaker 11: No.
Speaker 5: The reason he said that is because in order to
Speaker 5: do a lean there has to be work or product.
Speaker 1: Right, So he's lying. Yes, he is flat out.
Speaker 11: Lying yes, yes.
Speaker 5: Okay, So who repaired the place? Did you get it repaired?
Speaker 1: Since?
Speaker 11: Yes?
Speaker 1: I have, Now this was May of twenty twenty two three,
Speaker 1: I mean yes, okay, so.
Speaker 5: You since had it repaired? When did he finally put
Speaker 5: the lien on the house?
Speaker 17: Walked October seventeenth, twenty twenty three.
Speaker 1: Right after you canceled?
Speaker 11: Yes?
Speaker 1: When did you hire the new.
Speaker 17: Company over Thanksgiving?
Speaker 5: Okay, Now, here's what's going to happen.
Speaker 1: The lien will do you no harm unless this guy tries.
Speaker 5: To well wait a minute. First of all, he can't
Speaker 5: even put a lien. If he didn't, the job will okay, wait, wait, okay,
Speaker 5: here's what's going to happen. You can sit there and
Speaker 5: nothing will happen with this lean, and it'll go away
Speaker 5: unless he forecloses. Has he made any noise? Is he
Speaker 5: taking you to court? No? He said, Okay, hold on.
Speaker 5: If he put a lien on your place in October
Speaker 5: and hasn't done anything since the lean's going away, the
Speaker 5: lean doesn't stay on there.
Speaker 19: Well, I would.
Speaker 17: Try to go do a release of lean because it's fraud.
Speaker 17: And they said it doesn't go away till he takes
Speaker 17: it off of there.
Speaker 1: Well, that's not true.
Speaker 5: It has no teeth. It has no teeth. He can't close.
Speaker 2: On it, right, Yeah, I'm not worried.
Speaker 5: Why do you want to do it? Why do you
Speaker 5: want to do a Why do you want to do
Speaker 5: a release?
Speaker 17: Because I want the lean off so I can sell
Speaker 17: my condo if I want to move, okay. And they
Speaker 17: said it's not going to go away unless he removes it.
Speaker 5: That's for a release. But you can do a quiet
Speaker 5: title action.
Speaker 1: Quiet Yeah.
Speaker 5: Why don't you hold on? And we're going to get
Speaker 5: our real estate. I want to get our real estate
Speaker 5: attorney on okay?
Speaker 7: Okay, hang on?
Speaker 1: Hang on three.
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Speaker 5: the real estate Man dot com to list your home
Speaker 5: with Remax Alliance three three nine two zero sixteen twenty two.
Speaker 5: Hi Tom Martino, you're a troubleshooter. We're waiting for our
Speaker 5: real estate attorney. I want to get Kaschina heard me right.
Speaker 5: I want to get O'Brien Legal Services on to talk
Speaker 5: about thish.
Speaker 11: I'm working on it.
Speaker 1: A quiet title action. Thank you.
Speaker 5: I want to talk to Joecano my Moneymway dot Com.
Speaker 1: Now Joe has mixed feelings on the stock market.
Speaker 5: I think Joe, we can agree that as you're going
Speaker 5: through life, there's a place for I think the stock market,
Speaker 5: there's a place for you know, treasury bonds and bills
Speaker 5: or stuff like that, and there's a place for overfunding
Speaker 5: life insurance, and there's a place possibly even for starting
Speaker 5: an annuity. But as you get older, things change. Talk
Speaker 5: about that what because I want to make that clear
Speaker 5: that there are different strokes for different folks depending on
Speaker 5: their horizon of time.
Speaker 8: I agree with you dom On.
Speaker 20: I think when somebody's young and they have the opportunity
Speaker 20: to be in the stock market, they can do wonderful
Speaker 20: things with it because they have the time. They can
Speaker 20: afford to be in the stock market, to have their
Speaker 20: money at risk because they have time before they're retiring.
Speaker 5: And by the way, not not all of their money, obviously,
Speaker 5: even when you're younger, you want a portion of.
Speaker 20: It, that's right.
Speaker 1: You know, people need to.
Speaker 20: Have a safe foundation, a safe foundation. And you know
Speaker 20: what is I just heard a couple of ads that
Speaker 20: I heard played actually right before I came on, and
Speaker 20: they're talking about safe money and that's exactly.
Speaker 8: What we do.
Speaker 20: We do safe money products and safe money strategies so
Speaker 20: people can build a foundation at any time in their lives.
Speaker 20: They don't have to be young, they don't have to
Speaker 20: be all. They can start now where they solid foundation.
Speaker 20: So if people have a four to one K in
Speaker 20: the stock market and they're nearing retirement, or maybe they
Speaker 20: left their.
Speaker 8: Employer and they have a four to one K just being.
Speaker 20: There doing nothing, this is the type of individuals that
Speaker 20: should be thinking about moving their four a one K
Speaker 20: is their iras.
Speaker 5: Yeah, and this is something I don't think people know.
Speaker 5: I don't think a lot of people really know when
Speaker 5: they have a four oh one K unless it's self directed,
Speaker 5: when they have an IRA unless it's self directed, and
Speaker 5: when they have different investment qualified plans, and a qualified
Speaker 5: plan for those listening mean this is what a qualified
Speaker 5: plan means.
Speaker 1: It means you deduct money going.
Speaker 5: In most of the time except for some and then
Speaker 5: it grows tax deferred until you draw it out. But
Speaker 5: even with qualified money, the stock market can can wreak
Speaker 5: havoc on it. Yes, your returns grow faster, but you
Speaker 5: can lose it just like any stock account. It's not protected.
Speaker 5: So right, what about those again? Because I like to
Speaker 5: be Oh, do I have Brad.
Speaker 1: On right now? I want to go right to him
Speaker 1: if I do.
Speaker 5: All right, Joe, hang on, because I'm going to ask
Speaker 5: you about some any sacrifice you might make if you
Speaker 5: do go with a fixed indextinuity, because not everything is
Speaker 5: one hundred percent good or one hundred percent bad or
Speaker 5: one hundred percent appropriate. Okay, Brad O'Brien, this scenario, let's
Speaker 5: just say, is correct for what you know. Let's take
Speaker 5: Karen out her word. She hired a guy, she canceled.
Speaker 5: He put a lien on the house because she never
Speaker 5: let him get started.
Speaker 1: He claimed he delivered materials.
Speaker 5: He never did. But here's the point. She probably was
Speaker 5: wrong how she canceled. But the truth is he never
Speaker 5: delivered anything. He never started work. He just put a
Speaker 5: lien on there. So Karen, how much is the lean for?
Speaker 17: Like almost five thousand dollars?
Speaker 1: All right? So he put it on in October? All right?
Speaker 5: He put it the lean on in October of twenty
Speaker 5: twenty three and has not done anything. Now, Brad, I
Speaker 5: was always told if someone doesn't try to perfect the
Speaker 5: lian that in effect they lose their right to do.
Speaker 1: So, is that right, Brad?
Speaker 11: Yes?
Speaker 1: How long does it take for it to expire?
Speaker 21: So to speak, Well, a contractor has four months after
Speaker 21: their last substantial work to reporting notice a recording statement
Speaker 21: of mechanics lean, and then after that they have a
Speaker 21: total of six months after the last work or after
Speaker 21: the project was done to start a lawsuit to foreclose.
Speaker 1: On that lien.
Speaker 5: So November December, January, February, March, April. Okay, so he
Speaker 5: lost his right now to perfect it. So now what happens?
Speaker 5: It's still there and it's giving your trouble. When she's
Speaker 5: going to list it, they're telling her, well, you.
Speaker 1: Got to get that lean taken off. Now.
Speaker 5: I had this happen once with me, where a lien
Speaker 5: was bogus and I showed that I had paid for
Speaker 5: something and the contractor hadn't but I had, and it
Speaker 5: was it was bogus, and I was going to sell
Speaker 5: my house, and I remember at the time, I think
Speaker 5: I had someone do what was called the quiet title
Speaker 5: action or something. I'm not sure, Brett Brat, what would
Speaker 5: be a strategy to get it off of there?
Speaker 21: Well, if it's expired as a matter of law, because
Speaker 21: they waited too long to perfect it. Then I would
Speaker 21: normally start with a demand letter to the contractor demanding
Speaker 21: that they record a release of their line because it's
Speaker 21: no good. If they won't do that, then you have
Speaker 21: to go to court and have the court officially extinguish
Speaker 21: the clean as a record title.
Speaker 5: Is that really involved? Is that what they call it?
Speaker 5: Quiet title action or not?
Speaker 8: Yes?
Speaker 1: It is?
Speaker 5: And how just dollars and cents? What does it cost
Speaker 5: her to get this done? If she needs to take
Speaker 5: the guy to court?
Speaker 21: It could be at least three five grand for starters,
Speaker 21: even if you get a default judgment and there's no
Speaker 21: contest in the court. But if the guy wants to
Speaker 21: contest it to.
Speaker 8: Be north of that?
Speaker 5: Can you get attorneys fees if it's bogush.
Speaker 21: Only if you have a written contract that has a
Speaker 21: prevailing party attorney feed.
Speaker 5: Provision, So somebody can just clutter up your sale and
Speaker 5: cost you even if it's not a legit lean.
Speaker 21: Yeah, that's why a lot of contractors requardlans even though
Speaker 21: they know they're not no good as a matter of law,
Speaker 21: because they know the title companies will not let any
Speaker 21: transaction close.
Speaker 1: With him on there even after it expired.
Speaker 8: That's right.
Speaker 21: Title companies they get practically speaking, even though they know
Speaker 21: it's not possibly a good lean because they waited to me,
Speaker 21: that contractor waited too long, the title company still insists
Speaker 21: on the getting released.
Speaker 1: What a terrible, terrible thing.
Speaker 5: You would think that it would automatically be drop off
Speaker 5: now now brat another question. Then, is there a way
Speaker 5: to bond around it? I've heard of that expression.
Speaker 21: Yes, the harmowner can or either side can go well,
Speaker 21: normally it's the homeowner and start a court action. It's
Speaker 21: an expedited action where you open a court case to
Speaker 21: bond over the lean, and you normally post one hundred
Speaker 21: and fifty percent of the claimed amount with the court.
Speaker 21: That can be cash, or it can be a bond
Speaker 21: that you purchase somewhere per cents on the dollar, and
Speaker 21: then the mechanic or the contractor then proceeds against the bond,
Speaker 21: not against the house.
Speaker 5: If he's ever going to proceed, but right if he
Speaker 5: never proceeds.
Speaker 1: You just lose the premium, that's right.
Speaker 5: So on a five thousand dollars as I remember, sometimes,
Speaker 5: depending on the quality of the lean, it could be
Speaker 5: as little as five or ten percent to bond around it.
Speaker 5: So she might have to pay five hundred bucks to
Speaker 5: bond around it.
Speaker 21: But I think there are at least a couple of grand
Speaker 21: regardless of one really writing. Yeah, there's underwriting involved.
Speaker 5: Oh, things have changed a lot. I remember bond Okay.
Speaker 5: I thought bonds were just a percentage based on the
Speaker 5: quality of the lean. But there's a minimum amounts Okay, okay,
Speaker 5: I get it.
Speaker 1: So, Karen, it's pain.
Speaker 17: I would never get that back. I would never get.
Speaker 5: Well, no, no, no, Now if they proceeded, yeah that
Speaker 5: if you buy a bond, No, the bond is for
Speaker 5: your protection.
Speaker 1: You don't get it back.
Speaker 5: If you post the money one hundred and fifty percent,
Speaker 5: you're looking at posting seventy five hundred bucks. And and Brad,
Speaker 5: how long would that have to be posted?
Speaker 11: Uh?
Speaker 21: Definitely. So the way to cut that off is to
Speaker 21: use that same court action to get a quiet titled
Speaker 21: decree from the court decreeing that the lian is no good.
Speaker 21: Then the bone can be released.
Speaker 5: So you put up the bonds that you can sell
Speaker 5: the damn place and then go for a quiet title
Speaker 5: action after that, well, at that point it's.
Speaker 21: No longer que title action.
Speaker 11: If you post it on.
Speaker 8: It's just a court decree that and with that.
Speaker 5: Still costs Okay, so she puts up seventy five hundred
Speaker 5: and goes for a court decree, with that still cost
Speaker 5: her in legal fees about fifteen hundred or two thousand bucks.
Speaker 21: O a lot more.
Speaker 5: Whoa my god? Oh so that at these at.
Speaker 21: Least five grand, even if the guy never shows up
Speaker 21: and contested.
Speaker 1: Why is it so much?
Speaker 21: There's a lot of steps to do in the court.
Speaker 21: The court is not cheap o.
Speaker 5: Case, and neither are attorneys, and as well they shouldn't be.
Speaker 5: I guess if they're working for this now, I want
Speaker 5: to know this. Then if someone buys it, well no, no,
Speaker 5: nobody's going to lend on it, even with an old
Speaker 5: lean right, Why is it if they know that it
Speaker 5: legally can't be perfected, why are they so skittish about it?
Speaker 21: You have to ask the titled company. That's just what
Speaker 21: they do.
Speaker 8: They all do it because they all so.
Speaker 5: The expiration means nothing as far as trying to sell
Speaker 5: a house.
Speaker 1: It still gunks up the title.
Speaker 8: Right.
Speaker 5: You know Karen, what I would do, and I Brad'll say, Tom,
Speaker 5: stop practicing law. You don't know what you're talking about.
Speaker 5: But I'll tell you what I would do. I would
Speaker 5: sue this guy for the amount for five grand in
Speaker 5: small claims court, and I would claim that I got
Speaker 5: an estimate from an attorney, and I would get an
Speaker 5: estimate for a quiet title action that will almost assuredly
Speaker 5: extinguish this lean. Will cost you five thousand dollars and
Speaker 5: the only reason you have to pay it is because
Speaker 5: this guy refuses to remove it. That's after I ask
Speaker 5: him to remove it. So I would write I would
Speaker 5: have Brad O'Brien or attorney write a letter asking him
Speaker 5: to remove it, and if he doesn't remove it in
Speaker 5: a certain amount of time, I would sue him, where
Speaker 5: I would in small claims court for the anticipated cost
Speaker 5: of having it removed.
Speaker 1: Brad, is that stupid advice?
Speaker 11: Well, the idea is that you're calling the attorney.
Speaker 21: Fees damages and so you're pursuing those damages directly.
Speaker 5: Right.
Speaker 1: Is that wrong?
Speaker 11: Well?
Speaker 21: Not the normally, Normally you recover you try to recover
Speaker 21: attorney fees after you win on the underlying claim.
Speaker 5: Yeah, but I would say I'm trying to sell the
Speaker 5: house and I have to or or I would sue
Speaker 5: for the amount of the bond seventy five hundred or
Speaker 5: not the bond, but the posting. Say say, listen, man,
Speaker 5: I have to put up seventy five hundred and the
Speaker 5: only reason I have to do it is because this
Speaker 5: clown refuses to remove it after you've asked them then
Speaker 5: and otherwise I would.
Speaker 1: Never have to put this up.
Speaker 5: And it's an expired lean, so it's basically punitive and
Speaker 5: I want that damage. That's no, that's even better than
Speaker 5: attorney's fee. I you're right, because if you didn't spend
Speaker 5: the attorney's fees yet, how do you do that? But
Speaker 5: if you have to put up seventy five hundred for
Speaker 5: a bond, not a bond for a post for a security,
Speaker 5: I would definitely go after this guy. But first have
Speaker 5: Brad write them a letter. Brad, have you ever written
Speaker 5: these letters before? Oh?
Speaker 21: Yeah, it makes it's a lot of sense because it's
Speaker 21: it's a lot cheaper to write a letter than to
Speaker 21: go to court and.
Speaker 5: Do these letters work sometimes sure, because you tell the guy, look,
Speaker 5: it's impossible for you to foreclose right now, please remove
Speaker 5: it or we're taking legal action.
Speaker 1: Okay, thank you very much, Brad.
Speaker 5: Brad O'Brien, by the way, Olslaw dot com seven to
Speaker 5: zero three seven zero seventy three eighty eight. For all
Speaker 5: things real estate seven to zero three seven zero seventy
Speaker 5: three eighty eight. Go with a sure thing Denver's best
Speaker 5: roofer Excel Roofing dot com.
Speaker 1: You don't pay a cent until you're content, plea on
Speaker 1: top of it.
Speaker 5: Time for an insurance check up free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: to seven to one.
Speaker 1: Help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino here three oh three
Speaker 5: seven one three talk three oh three seven one three
Speaker 5: eight two five five.
Speaker 1: Okay, I have Sharon who.
Speaker 5: Has a follow up with a fence issue working with
Speaker 5: bo Is bo there.
Speaker 1: Can he talk about it?
Speaker 22: Yes, I'm here, Tom, uh, Well, let me bring up
Speaker 22: her call and the fence issue as I remember, let
Speaker 22: me see, let me get it here.
Speaker 14: It was from August sixteenth, twelve o'clock hour when she
Speaker 14: initially called.
Speaker 1: Okay, God, why don't you start on it. I'll find
Speaker 1: the call.
Speaker 14: Yes, Sharon called about a contractor Raoul, right, Raoul Missoula.
Speaker 1: And it wasn't.
Speaker 5: Amazella Amazella was it. I'm trying to get the proper.
Speaker 1: Name, Poorous Exteriors.
Speaker 14: And the person that did the work was Raul Missoula.
Speaker 14: Did I pronounce it right? Sharon?
Speaker 10: Oh, it's Amazola.
Speaker 1: Okay, that's what I thought, Azoula. Okay, so go ahead.
Speaker 14: Basically, Sharon and her neighbor paid this Raul money. I
Speaker 14: think it was seven hundred dollars one time in twelve
Speaker 14: hundred on a second payment to get a fence done,
Speaker 14: and they just never came back to complete the job.
Speaker 14: I tried to contact Raoul several times. I even called
Speaker 14: poising as a customer to get him to at least
Speaker 14: call me back. There was no phone call. I even
Speaker 14: went out to.
Speaker 5: His Wait a minute. So he's got paid for stuff
Speaker 5: he didn't do.
Speaker 14: I think three checks, right, Sharon?
Speaker 10: Yeah, I mean initially I wrote a check for twelve
Speaker 10: twenty five my names.
Speaker 1: But you got zero. You got nothing done?
Speaker 7: Yeah, we got nothing, no materials, know nothing nothing, and
Speaker 7: you paid another check for seven hundred right to him.
Speaker 8: First.
Speaker 7: Between the two of us were into him for three
Speaker 7: and ninety.
Speaker 5: Dollars, but you have to separate them for small claims
Speaker 5: court or for.
Speaker 1: For going after him.
Speaker 10: So well, I talked to Bo directed me to call
Speaker 10: the Denver District Attorney's officers.
Speaker 5: Right because of the Contractor's Trust Act.
Speaker 10: Yeah, And she actually said that because it was one job,
Speaker 10: it was a fence between our houses.
Speaker 5: Oh, I get okay. I didn't realize that you're right,
Speaker 5: it's one job.
Speaker 1: You're right, yep. Are they doing anything about it?
Speaker 11: Well?
Speaker 10: She she sent me the form that I can fill
Speaker 10: out a complaint, and she asked, she kind of directed
Speaker 10: me what types of paperwork I would want to include
Speaker 10: any kind of proof that I have, And I have
Speaker 10: all the canceled checks, all of the you know, text
Speaker 10: messages back and forth. Most of what occurred between the
Speaker 10: two of us, I made sure was in writing on
Speaker 10: text messages and email and that kind of thing. So
Speaker 10: I've got plenty of documentation. But after all of this happened,
Speaker 10: and after a month of not hearing, you know, not
Speaker 10: him not returning phone calls anymore, he had an excuse
Speaker 10: after excuse. There are a lot of text messages back
Speaker 10: and forth, and then eventually he just quit returning calls
Speaker 10: and that kind of thing. I got online, started doing
Speaker 10: some research and found at least that I know of four,
Speaker 10: maybe five companies under the names that these people. This,
Speaker 10: this woman, Andrea Porus always is listed as the owner
Speaker 10: of the company by Raoul is the only person I've
Speaker 10: ever worked with.
Speaker 11: Now.
Speaker 10: Last year, when they built the fence for me, it
Speaker 10: was under dex and More.
Speaker 11: That was the company name. This year it's Porus Exteriors.
Speaker 10: I found one judgment against them in Douglas County, and
Speaker 10: that's ABR Construction Services. And then I saw another name
Speaker 10: of a company called Affordable Decks LLC.
Speaker 5: Oh my god, So these people are Sleeves. Now, can
Speaker 5: you send us that information?
Speaker 7: Yeah, yeah, I don't send you anything it needs No.
Speaker 5: I want to say, I want you to send me
Speaker 5: all that research you did. I'm gonna I'm going to
Speaker 5: go after them and put them on the Sleeves Brigade.
Speaker 1: For sure.
Speaker 8: You didn't.
Speaker 5: You don't have any pictures of this guy or where
Speaker 5: we can find one, do you of rail or of Poris?
Speaker 11: No?
Speaker 10: And here's the thing about Andrea. I may have briefly
Speaker 10: seen her one time last year when they built my fence,
Speaker 10: and they did a beautiful job on the fence that
Speaker 10: they built last year. But she's she is under she's
Speaker 10: in some kind of a protection type program. There was
Speaker 10: an incident unrelated to this that occurred with them last summer.
Speaker 10: And I don't even have a physical address for her.
Speaker 10: Of course, Raoul not living at the physical address I
Speaker 10: had for him either, But her mail is even run
Speaker 10: through a clearing house through the state of Colorado. She's what,
Speaker 10: there's no physical address?
Speaker 12: Yeah?
Speaker 14: What is this some sort of witness protection?
Speaker 1: That's what it sounds like.
Speaker 14: We can't touch.
Speaker 10: Yeah, it's used for people who are like victims of
Speaker 10: domestic violence.
Speaker 5: Yeah.
Speaker 1: We don't want to. We don't want to.
Speaker 5: Yeah, we don't want to make her more of a
Speaker 5: victim by by outing her stars where she is.
Speaker 1: But oh my god, but she's screwing people.
Speaker 7: Physical Yeah, so so that you can't I mean, I
Speaker 7: don't even know how you would serve her because there's
Speaker 7: no address for her, the listed the listed address for She.
Speaker 5: Found the perfect scam, didn't she now that she's in
Speaker 5: some kind of protection she's outscrewing others.
Speaker 8: Yeah.
Speaker 10: Now, now the the the judgment I found against them
Speaker 10: and Douglas County is from twenty twenty two.
Speaker 1: And Raoul, have you been able to locate this guy?
Speaker 1: I haven't.
Speaker 14: Tom actually went to his place of residence yesterday and knocked.
Speaker 1: On the door. Oh no, fool and wow.
Speaker 14: And there was no answer. So when I was starting
Speaker 14: to leave the he was in an apartment two to one,
Speaker 14: and a lady came out in the basement apartment and
Speaker 14: said he moved.
Speaker 1: Out suddenly in May.
Speaker 14: And she told me that they're always police and office.
Speaker 5: Hold on, now, is his name spelled Sharon am a
Speaker 5: z u l o.
Speaker 4: No, it's am.
Speaker 10: Z o l a Amazola.
Speaker 1: Raoul am z La. Thank you.
Speaker 5: Now I'm going to look for this guy too. Meanwhile,
Speaker 5: people be warned. I got to take this break. Sharon, please, uh,
Speaker 5: Kashina give her the email at helps so she can
Speaker 5: send that to us. I need to get that information
Speaker 5: for the sleeves for GAD. I'm Tom Martino more coming up.
Speaker 5: Go with a sure thing Denver's best roofer Excel roofing
Speaker 5: dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free, no obligation comparison
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two. Hey Tom Martino,
Speaker 5: your troubleshooter. Three O three seven one three talk three
Speaker 5: oh three seven one three eight two five five. Okay,
Speaker 5: let's talk to Ed Ed. You have a question on
Speaker 5: a home title.
Speaker 1: What is it?
Speaker 8: Hi? Tom?
Speaker 18: Hey, good afternoon. Yes, sir paid my house off recently.
Speaker 18: I paid my house off recently, and I was expecting
Speaker 18: some sort of document to say, hey, congratulations, you downright
Speaker 18: own this home. But I'm told you get nothing to
Speaker 18: show your ownership that shift your home is free and clear.
Speaker 15: Is that correct?
Speaker 18: Should I be expecting something? Is there anything that tells
Speaker 18: me this m belongs to it?
Speaker 1: Yes? Yes there is.
Speaker 5: You get a release of deed of trust that's filed
Speaker 5: with the county and they send you a copy. Okay,
Speaker 5: well that's your that's it. That's a release of deed
Speaker 5: of trust. Did you also get the promisory note? They
Speaker 5: usually send you the paid off promisory note.
Speaker 8: I'll have to look for that and see.
Speaker 1: Uh, it's not necessary.
Speaker 5: It's not necessary if you got the release of deed
Speaker 5: of trust.
Speaker 1: But okay.
Speaker 5: Usually usually they record a release of deed of trust
Speaker 5: and they send you the original note mark paid in
Speaker 5: full or a copy of it, mark paid in full.
Speaker 18: Now all these commercials about home titles and things like that,
Speaker 18: now that it's free and clarigo, I have to worry
Speaker 18: about that or is that even more of a concern.
Speaker 5: You always have to worry about people trying to pull
Speaker 5: some scams. But I'll go if you want a listener,
Speaker 5: hang on, I'll go over why you don't need title
Speaker 5: lock or anything like that. I'm Tom Martinez. We have
Speaker 5: more coming up on the Troubleshooter Show. Go with a
Speaker 5: sure Thing Denver's Best Roofer Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check cup free no obligation comparison
Speaker 5: call Compass Insurance pay too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate man dot
Speaker 5: com to list your home with Remax Alliance three all
Speaker 5: three nine two zero sixteen twenty two.
Speaker 4: D news need advice?
Speaker 3: Who you don't have?
Speaker 16: Come?
Speaker 3: Run in as fast as we can. Shooter's gonna help.
Speaker 3: Coming man, This is.
Speaker 4: The Troubleshooter Show. No Tom Martino, Hi.
Speaker 5: Tom Martino here, Welcome to the show. Three O three
Speaker 5: seven one three talk three all three seven one three
Speaker 5: eight two five five. What's going on with you? And
Speaker 5: how can we help you? We asked this question each
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Speaker 1: Three eight six ' two five five five four. I'll
Speaker 1: bring up.
Speaker 5: Jordan Piano in a minute. Here my moneymway dot com.
Speaker 5: I was talking to his dad. I want to talk
Speaker 5: about sacrifices, if any, you make when you do a
Speaker 5: fixed indextinuity as opposed to a regular investment account, pros
Speaker 5: and cons, and then when it's most appropriate for you. Again,
Speaker 5: I don't sell any one thing. I believe in a variety,
Speaker 5: but there are certain times in your life when certain
Speaker 5: products are better than others. Steve wants to talk about
Speaker 5: a car accident and some insurance issues.
Speaker 1: Steve, what's going on?
Speaker 8: Hey?
Speaker 1: Yeah, I was happening Steve.
Speaker 8: It's been a while since I've talked to you.
Speaker 1: Now when we talked last.
Speaker 8: Well, I own a remodeling company. Used to be on
Speaker 8: your list.
Speaker 5: Oh really cool. What's going on now? What was the
Speaker 5: what do you have the remodeling anymore?
Speaker 8: Yes? I do?
Speaker 1: Okay, So what's happening.
Speaker 8: It's well, I was on my way home. Car was
Speaker 8: stopped and I stopped behind it, and the truck behind
Speaker 8: me did not stop.
Speaker 1: Okay, so you were, as they say, you're rear ended.
Speaker 8: I was rear ended and it did drive me into
Speaker 8: the car in front of me. Okay, he admitted he
Speaker 8: miss everything, and the insurance company takes on the responsibility.
Speaker 8: But I'm kind of confused on where that all works,
Speaker 8: because here's.
Speaker 5: Here's what usually happens. Usually it's whoever runs into who
Speaker 5: their insurance covers it. So if the if the guy
Speaker 5: up front was rear ended, unless he did something egregious,
Speaker 5: the guy up front gets paid by the guy that
Speaker 5: hit him, and then it's a chain reaction. However, if
Speaker 5: the guy did something egregious, the guy upfront pays the
Speaker 5: guy who hit him. But that's very seldom the case,
Speaker 5: and it's usually that you're you're they say you're if
Speaker 5: you had a safe distance, you would not have run
Speaker 5: into them. Now, if it was intentional, like break checking
Speaker 5: or something, that's different. But the bottom line is this,
Speaker 5: your insurance will take care of your card you have
Speaker 5: collision and the other person doesn't have adequate coverage, or
Speaker 5: if it's pain and suffering, their liability will take care
Speaker 5: of you. If they don't have enough liability, you're under insured.
Speaker 5: Motorist or in the case of no insurance, uninsured motorist
Speaker 5: coverage would take care of the pain and suffering part.
Speaker 5: So do you have any specific questions?
Speaker 8: I do.
Speaker 1: Yes.
Speaker 8: I put eleven thousand into this truck over the last
Speaker 8: year for a few pumps on it. It's a diesel,
Speaker 8: and the whole front end and new tires in the
Speaker 8: last month, and they're not offered me very much of
Speaker 8: that back.
Speaker 5: They owe you whatever they owe you, They owe you
Speaker 5: whatever you lost. Okay, do you have collision coverage? Do
Speaker 5: you have collision coverage?
Speaker 8: I do.
Speaker 1: You can always truck, you can.
Speaker 5: Always go through your own but your own insurance is
Speaker 5: only going to pay what it's worth. If you add
Speaker 5: stuff to that truck and and really increase the value
Speaker 5: beyond normal, you're supposed to up your insurance.
Speaker 8: Yeah, it was just trucks, like a whole new front
Speaker 8: end that was a month ago, with new tires.
Speaker 5: How many miles on this truck? How many miles and
Speaker 5: two and eighty thousand? Well, you're not going to you're
Speaker 5: not going to get that other stuff. I know what
Speaker 5: you're trying to say. They're they're paying you. They're paying
Speaker 5: you for a very very very old truck. Right, yeah,
Speaker 5: Now the tires, the tires are salvageable.
Speaker 1: Are they going to total the truck?
Speaker 11: They're there.
Speaker 8: The problem is that they're going to toll it and
Speaker 8: I want to keep it.
Speaker 1: Much will it cost to fix.
Speaker 8: If I take it to a body shop? Fifteen thousand
Speaker 8: to replace the bed and the bumper?
Speaker 1: What is that? What year is this? Tell me about
Speaker 1: your truck?
Speaker 8: Twenty ten F two fifty.
Speaker 5: Twenty ten with two hundred over two hundred and eighty
Speaker 5: thousand miles.
Speaker 8: Yeah, I think it's an.
Speaker 5: Well did you say it f two fifty?
Speaker 8: Yes, sir?
Speaker 5: Okay, listen, I know you took no matter. I understand
Speaker 5: you said you took good care of it. But if
Speaker 5: you were to sell that right before the accident, what
Speaker 5: would you get for it?
Speaker 8: I didn't never want to sell it, that's the whole thing.
Speaker 1: Well, you got to prove what it's worth.
Speaker 8: Take care of it.
Speaker 1: You got to prove what it's worth.
Speaker 5: They're not going to hand out money to you. This
Speaker 5: is an old truck. This is not going to be
Speaker 5: worth a lot of money.
Speaker 8: And I do understand that.
Speaker 1: What are they offering you? What are they offering you?
Speaker 11: They're offering me.
Speaker 8: Seventeen twenty two if I if I just take the buyout,
Speaker 8: or seventeen if I keep the truck.
Speaker 5: Okay, and so at seventeen, at seventeen, are you going
Speaker 5: to fix it?
Speaker 8: I can? Yeah. Yeah, the engine's great.
Speaker 1: That's put learning.
Speaker 5: So if they give you seventeen and you can fix it,
Speaker 5: then that's exactly where you should be.
Speaker 1: You broke even I mean, what are you arguing about.
Speaker 5: That's exactly what. That's exactly what. That's how the math
Speaker 5: should work. Very very seldom works out that way. Steve,
Speaker 5: that that's the way the math should work. If your
Speaker 5: truck was totaled and you want to keep it, what
Speaker 5: you get in money should take care of the repairs. Yeah,
Speaker 5: so what's wrong with that picture?
Speaker 1: Then what's wrong with it?
Speaker 8: Part of my argument is they said that if they
Speaker 8: if they get the whole truck, then they pay me
Speaker 8: taxes on it like that, that's right, dollars.
Speaker 5: In taxes because you have to buy another one.
Speaker 1: That's right. That's right.
Speaker 5: If I keep it, they don't pay the taxes, that's
Speaker 5: right because that's not part because it's no longer a
Speaker 5: part of your loss.
Speaker 8: Okay, because I'm confused because what I read from it
Speaker 8: says Colorado revised Statue titled ten Insurance tensh four Dash
Speaker 8: six thirty nine says that doesn't matter that part of
Speaker 8: the taxes is part of that deal.
Speaker 1: The part of the taxes is part of what ya No.
Speaker 8: Caller at the law requires companies to pay sales tax.
Speaker 8: I'm a total vehicle. Regardless of whether the policy alder
Speaker 8: keeps the vehicle.
Speaker 5: It doesn't require them to pay sales taxes.
Speaker 8: Okay, all right, probably right.
Speaker 5: I mean you just read you just read something that
Speaker 5: does not support your argument.
Speaker 8: Yeah, I read it differently.
Speaker 5: Well, they actually though you're you're gonna get You're gonna
Speaker 5: you're gonna get sales tax if you went out to
Speaker 5: buy it. So listen, Steve, I'm here. I still need
Speaker 5: to ask this question. It sucks that this happened to you,
Speaker 5: And if it was a newer truck, you could probably
Speaker 5: get diminished value. I don't know if you can get
Speaker 5: it on a two hundred and eighty thousand mile truck,
Speaker 5: but I will say this, if you can fix that
Speaker 5: truck for the money offering you, that's exactly what's supposed
Speaker 5: to happen. Again, I can't say that enough. I mean,
Speaker 5: what were you thinking? In other words, I don't understand
Speaker 5: if they offered that to you, are you just trying
Speaker 5: to profit from it?
Speaker 1: What's what are you trying to do?
Speaker 8: No, I'm just.
Speaker 1: You're pissed off.
Speaker 5: You're pissed off that they ruined your truck and you
Speaker 5: and you think it sucks that you come out.
Speaker 1: Of this with just the truck fixed, right that? Really?
Speaker 8: No? No, If they would fix that truck, I would
Speaker 8: be happy. But they want to take the truck and
Speaker 8: they want me to forego the repairs I did in
Speaker 8: the last year, which I was Steve, would.
Speaker 5: Be Steve, Steve, you said that for the money they're
Speaker 5: giving you for you keeping the truck seventeen thousand, you
Speaker 5: just told me.
Speaker 1: It was going to cost fifteen to fix that truck.
Speaker 5: That leaves another couple of grand for tires and a
Speaker 5: fuel pump.
Speaker 8: Jill pumps are sixty five hundred on that talk.
Speaker 5: Okay, Steve, if you think, if you think we're going
Speaker 5: to end the conversation now, thank you for calling. If
Speaker 5: this guy thought he was going to get sixty five
Speaker 5: hundred for a fuel pump on a two hundred and
Speaker 5: eighty thousand mile truck. He's got rocks in his head. Okay,
Speaker 5: they're not going to do it all right. You see,
Speaker 5: insurance covers damages, it doesn't cover stupid.
Speaker 1: I'm not calling you stupid. Here's what I mean.
Speaker 5: If you overpaid for something, or or or if you
Speaker 5: chose to invest in something that wasn't worth that much,
Speaker 5: they don't have to cover it.
Speaker 1: They don't have.
Speaker 5: To cover your choices. They just have to cover value value.
Speaker 5: Right now, you can get that truck fixed. In fact,
Speaker 5: if you keep it, you still have your fuel pumps.
Speaker 5: So I don't even understand. You're not even making sense.
Speaker 1: Steve, help me. You understand this.
Speaker 5: If you if they pay you seventeen grand, did he
Speaker 5: hang up? If they pay you seventeen grand, you get
Speaker 5: to keep the truck, so you have your fuel pump.
Speaker 5: Wait a minute, you have your fuel pump in your tires.
Speaker 5: So I don't get it. Why do you have to
Speaker 5: get paid for that? If you get to keep the.
Speaker 8: Truck, I paying five thousand dollars to keep that truck, Steve, Steve, you.
Speaker 5: Are getting seventeen thousand dollars plus the truck.
Speaker 1: The repairs are.
Speaker 5: Well within the seventeen grand plus. You still have the
Speaker 5: new fuel pump you paid for, and you have the
Speaker 5: new tires you paid for. You are making zero sense. Okay,
Speaker 5: zero sense. Sorry, I'm Tom Martino.
Speaker 11: Moore it up.
Speaker 5: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content.
Speaker 5: Time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three all three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: all three nine two zero sixteen twenty two. I want
Speaker 5: to make a programming note, and that is on a
Speaker 5: car accident, any accident.
Speaker 1: It sucks. Okay, if it's.
Speaker 5: A newer vehicle or not necessarily newer but not so used,
Speaker 5: you would get diminished value, okay if you wanted to
Speaker 5: fix it. But if anyone wants to total your vehicle,
Speaker 5: because that's what that car was worth a minute before
Speaker 5: you wrecked it, they have a right to pay you
Speaker 5: the value of that truck or car. If you disagree
Speaker 5: with that, you can go to an expert and get
Speaker 5: it appraise. But maintenance doesn't usually work into the value.
Speaker 5: It does a little if you had something major. But
Speaker 5: here's the thing. If you're going to keep the truck,
Speaker 5: then you're, in essence, they're totaling it and you're buying
Speaker 5: it back.
Speaker 1: That's really what's happening.
Speaker 5: When he bought it back, the net dollars he was
Speaker 5: getting is seventeen grand. Now he thought, in addition to that,
Speaker 5: he should get the sixty five hundred for his fuel
Speaker 5: pump and the money he put in for tires.
Speaker 1: But he is getting that.
Speaker 5: He's getting the fuel pump with the truck and the
Speaker 5: new tires with the truck.
Speaker 1: So I don't understand why he.
Speaker 5: Felt he had to be reimbursed for those things. They're
Speaker 5: in essence saying to him, here's the truck. We'll pay
Speaker 5: you seventeen grand for the damages we did, less the salvage.
Speaker 1: Anyway, it always happens.
Speaker 5: This way people, And I'll tell you why, because he
Speaker 5: does have a good point. He had a perfectly good
Speaker 5: truck before the accident.
Speaker 1: Now it sucks, it really does.
Speaker 5: Patty's got an issue with Sentry Link.
Speaker 1: What's going on? Patty?
Speaker 5: Patty, what's happening? And if she go ahead, Hi, Patty,
Speaker 5: what's going on? What's happening?
Speaker 12: Well up here, you helped us once before in our community,
Speaker 12: Pinewood Springs, we have a Century Link landline, had it
Speaker 12: for twenty eight years up here, okay, and it's always
Speaker 12: been it's always been reliable.
Speaker 5: You still hear me, ton, Yeah, but they don't maintain
Speaker 5: him anymore.
Speaker 12: We're fine here, they don't maintain the Actually we're on
Speaker 12: the other landline with Century Link trying to tell them
Speaker 12: we had power outage last Friday last and for about
Speaker 12: two and a half hours during that time, nothing that
Speaker 12: we couldn't access cell phones if there had been fire
Speaker 12: or medical emergency. No backup from these batteries that supply
Speaker 12: our landline. Backup.
Speaker 5: Hold on, hold on, Patty, yeah, once before, hold on, hold.
Speaker 1: On, hold on. You have a landline with Sentry Link.
Speaker 5: Right, okay? Then then what about do you have a
Speaker 5: cell phone too?
Speaker 12: We have a cell on it right now to you. Well,
Speaker 12: my wife's on the landline talk in the century right.
Speaker 1: May I ask why you have a landline still? I'm
Speaker 1: just curious.
Speaker 7: Mountains where pine with springs.
Speaker 12: When the power goes off for any reason, and last
Speaker 12: week it was a lightning strike somewhere down around Lions.
Speaker 1: When the power goes out for any reason.
Speaker 12: Why when the power goes out, then use our landline.
Speaker 12: It was always battery backed up at the main section
Speaker 12: here off the highway thirty six years a cluster where
Speaker 12: all the wires to our Latin Cannattie.
Speaker 5: I still don't understand. Listen, I just want to understand.
Speaker 1: You have a.
Speaker 5: Landline, so you can use it during a power outage. Yes,
Speaker 5: why can't you use your cell phone?
Speaker 12: Because we recently got cell powers. Between the town of
Speaker 12: Lions and Estes twenty miles, they put up cell towers.
Speaker 12: The towers are now at and T Verizon. Verizon gave
Speaker 12: us one of those little boosters for the house. But
Speaker 12: when the hour went out, all those powers went out.
Speaker 12: There's no cell phone connection.
Speaker 1: I get it.
Speaker 5: I get it, okay, And now now now I understand,
Speaker 5: so Patty, Patty, and also your your your cell phone
Speaker 5: is kind of spotty in the mountains are because I'm
Speaker 5: not hearing all of you. But but here's the here's
Speaker 5: the unfortunate reality. Okay, Century Link and I know what
Speaker 5: you're gonna get does not have to provide landlines. And
Speaker 5: if you don't like what they're providing, they don't have
Speaker 5: to make it better for you. But they they offer
Speaker 5: a service. If that service sucks, you cancel it. In
Speaker 5: other words, this is the this is the reality of
Speaker 5: growing pains in technology. You're saying, I have a contract
Speaker 5: with them, they must provide me with service, and you're right,
Speaker 5: you're right.
Speaker 1: Okay.
Speaker 5: However, if they decide and it's not like they take
Speaker 5: a vote on it, but if they're losing money and
Speaker 5: they don't want to put a lot of money into
Speaker 5: the infrastructure for landlines, they don't have to. So then
Speaker 5: you would say, well, wait a minute, I have a contract,
Speaker 5: So what are your options if they breach your contract?
Speaker 5: Your option would be for you to break the contract
Speaker 5: and stop paying, okay, which you can do at any time.
Speaker 5: They're not going to make you pay. If you say
Speaker 5: I don't want the service anymore, then you both part company.
Speaker 5: What you can't do is what I think you're trying
Speaker 5: to do. You can't force them to perform it's called
Speaker 5: specific performance. You can't force someone to perform. It sucks
Speaker 5: because you're depending you're depending on this landline.
Speaker 1: It sucks. I get it.
Speaker 11: But yeah, yeah, got hit this.
Speaker 5: No, No, I agree with you that you expect them
Speaker 5: to come through with their service. So well maybe they will.
Speaker 5: Will they fix the battery packs or whatever?
Speaker 11: Yeah?
Speaker 12: And I am you saying that country Link. You know
Speaker 12: we've done this before. We've talked with you, You've helped
Speaker 12: us in the past. And one of our firefighters here
Speaker 12: down at the firehouse told me the other day, he goes, well,
Speaker 12: they would love us all to drop our landlines up
Speaker 12: here because these battery packs at the community, they're very
Speaker 12: expensive to come up here and to dig or to
Speaker 12: do repairs, very expensive. I understand what you're saying. They
Speaker 12: are obligated. They're just basically pressure me by non service
Speaker 12: to drop them.
Speaker 5: That's right that you hit it right on the head, Patty,
Speaker 5: you hit it right on the head. But there's nothing
Speaker 5: to prov but here. Here's what I don't know what
Speaker 5: to do in a power out of Joe. I don't
Speaker 5: know what to tell you.
Speaker 1: I really don't. I mean, I'm surprised that the cell towers.
Speaker 5: I'm surprised that the cell towers don't have battery backups.
Speaker 12: That's something that where Towers came in about years ago
Speaker 12: and they just started up the service at and T
Speaker 12: was a great provider they and then I talked to
Speaker 12: my Verizon carrier and says, well, we're gonna switch now
Speaker 12: because you guys aren't.
Speaker 8: Part of this.
Speaker 12: Well, they got part of the system. So that's what
Speaker 12: I'm talking to you now. Which even on my little
Speaker 12: cheap track phone, I can make calls as long as
Speaker 12: those towers operate. We are bouncing signals and we're doing great.
Speaker 12: But mister Martinez, I won't keep you. You've made a
Speaker 12: good point that they are not obligated.
Speaker 7: But it was my feeling that you know.
Speaker 12: They're saying, well, let's not do anything and the guy
Speaker 12: will drop us. That is a terrible business.
Speaker 5: You know, really it really isn't terrible anymore because they
Speaker 5: don't want the business anymore. I mean, in other words,
Speaker 5: it's a pain in their ass.
Speaker 11: Yeah.
Speaker 12: Yeah, Well hopefully, like I said up here, if you
Speaker 12: get a generator, and there were a couple of homes
Speaker 12: that run off of generators when the power goes off,
Speaker 12: we need to we'd have to go with pro pain
Speaker 12: to support say a genera generator. But for twenty eight
Speaker 12: years we've never had the emergency issues. As long as
Speaker 12: there was a landline, we were always good to go.
Speaker 5: But at Tay Steve, have you ever thought of doing
Speaker 5: a solar system, an off grid solar system.
Speaker 12: We've got some of those that are I would have
Speaker 12: to uh really look into that soul.
Speaker 1: Now you can listen.
Speaker 5: You can do a solar system with battery backups and
Speaker 5: there are with people, there are some really good ones available.
Speaker 5: I'm serious now, I'm not look at I'm not telling you.
Speaker 5: You're wondering why do I have to put up with this?
Speaker 5: And I know why you're thinking this, Oh well, because
Speaker 5: really we're all caught up with this technology thing. There
Speaker 5: are a lot of things that are going to start
Speaker 5: going away and we're gonna be pissed off about it,
Speaker 5: but we have.
Speaker 1: No choice in the matter.
Speaker 5: They're just being phased out and they're not going to
Speaker 5: support him anymore, you know.
Speaker 12: So anyway I told yeah, we yeah, all right, Well
Speaker 12: I hope that people are and I know they do
Speaker 12: listen to your program and they have heard this and
Speaker 12: if they have such issues, well then maybe I've helped
Speaker 12: them too. They know well it's gonna go away.
Speaker 11: And uh, we'll just have to live with it.
Speaker 12: But we'll look into that solar. That solar directly to
Speaker 12: a battery makes more sense than me putting that pro paint.
Speaker 1: Yeah, now listen to this.
Speaker 5: If you want to do that, call a redrocksars dot com,
Speaker 5: that solar company, or Probidenergy dot com.
Speaker 1: Either one of them.
Speaker 5: Okay, so it's Probidenergy dot com or Redrocks r s
Speaker 5: dot com. Either one of them can help you. We
Speaker 5: got more coming up. Go with a sure thing Denver's
Speaker 5: Best roofer Excel roofing dot com.
Speaker 1: You don't pay a cent until you're content.
Speaker 5: Time for an insurance check up free no obligation comparison
Speaker 5: call Compass Insurance. Pay too much your coverage at dozens
Speaker 5: of insurance companies find out now three O three seven
Speaker 5: to seven to one help. You'll think you're his only
Speaker 5: customer when you choose Frank durand the real estate Man
Speaker 5: dot com to list your home with Remax Alliance three
Speaker 5: oh three nine two zero sixteen twenty two. Hi TL Marchino,
Speaker 5: you're troubleshooter three oh three seven one three talk three
Speaker 5: oh three seven one three eight two five five.
Speaker 1: Okay, So.
Speaker 5: We have Jeff who has an issue with a car accident.
Speaker 5: Go ahead, Jeff, what's going on?
Speaker 11: Hey? Tom? How are you?
Speaker 1: Good man? What's happening is this?
Speaker 8: Uh?
Speaker 11: I gotta I gotta stop you one for you. I'll
Speaker 11: try to be as quick and sixcinct as possible. I
Speaker 11: was in an accident involving total of three cars. Car
Speaker 11: A which is the idiot hit car B, CARB hit me.
Speaker 1: Yeah.
Speaker 11: This guy was going like sixty miles an hour in
Speaker 11: a thirty at a stop light. We were all to
Speaker 11: stop light, so I get out. The guy truck behind me,
Speaker 11: big f one fifty XL got hit by a dodge. Uh,
Speaker 11: some kind of a dodge.
Speaker 1: Yeah. Well whatever.
Speaker 5: The guy that hit you is responsible to you. The
Speaker 5: guy that hit him is responsible to him.
Speaker 11: Well, oh that's a lot. Okay.
Speaker 5: So the guy that wait, wait, wait, who's telling you
Speaker 5: differently than that?
Speaker 11: Okay? The guy that caused the accident didn't admit, you know,
Speaker 11: he admitted he was wrong. He had an insurance company
Speaker 11: out of Texas called Trexas. Now they are telling me.
Speaker 17: That.
Speaker 5: Okay, first yet, guy, just tell me, just tell me
Speaker 5: what they're telling you.
Speaker 1: BRN, What are they telling.
Speaker 11: Okay, well they called me a couple of weeks, so
Speaker 11: finally it was about what did they tell you? Going
Speaker 11: on for two months now? They offered me four dollars
Speaker 11: for totaling my car.
Speaker 5: Wait a minute, so car A is going to pay
Speaker 5: for all of them?
Speaker 11: Well they are, okay? Okay, Well hold on.
Speaker 1: Jeff, Jeff, Normally, normally.
Speaker 5: That doesn't happen so easily that that car A would
Speaker 5: take the responsibility like that. So are we we're not
Speaker 5: talking about responsibility here now, we're talking about the value.
Speaker 1: Is that what we're down to right now?
Speaker 5: Because this happens all the time that they're offering you
Speaker 5: a price you don't think is fair?
Speaker 1: Is that it?
Speaker 17: No?
Speaker 11: Actually I was okay at the price.
Speaker 1: Okay, then what's the issue?
Speaker 11: Well, she said, well, here's the problem.
Speaker 1: Are they totally your vehicle?
Speaker 11: They toted my vehicle, which I can keep.
Speaker 7: Okay, So I'm okay with It's not that bad.
Speaker 11: It's a bit, it's a mess up bumper. They shattered
Speaker 11: my back window and put fits in my back Okay, So.
Speaker 1: What's the real issue? Hold on?
Speaker 5: I want you to tell me the real issue, but
Speaker 5: I got to take a break. I really want to
Speaker 5: hear this three oh three seven to one three talks
Speaker 5: seven one three eight two five five. You know we
Speaker 5: have been slammed with calls, and I'm sorry Jordan with
Speaker 5: my money Myway dot com. I'm not getting to right now,
Speaker 5: and I'm gonna try. I talk to his dad a
Speaker 5: little Joe Piano, and I'll try to get to him,
Speaker 5: but we have another hour to go as well. I
Speaker 5: just want to remind people, and I do have some
Speaker 5: text questions for him. But Jeff, I want to get
Speaker 5: to the issue in your accident and let's get you
Speaker 5: some help. I'm Tom Martine Moore coming up. Go with
Speaker 5: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 5: You don't pay a cent until you're content. Time for
Speaker 5: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 5: Insurance paying too much your coverage at dozens of insurance
Speaker 5: companies find out now three all three seven to seven
Speaker 5: to one help. You'll think you're his only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two.
Speaker 1: Hey, I'm Tom Martine.
Speaker 5: You're troubleshooter three O three seven one three talk seven
Speaker 5: one three eight two five to five. Jeff, So these guys,
Speaker 5: what is the issue. You're you're not disputing the money,
Speaker 5: keeping the car, getting it fixed.
Speaker 1: What's the issue?
Speaker 11: No, I'm not even a fixer anyway. Here's the deal. So,
Speaker 11: well they offered it. She goes, well, but there's a problem.
Speaker 11: The guy that was pushed into me with his car
Speaker 11: b he still had a loan on his truck, so
Speaker 11: he had full coverage, so they must have offered him something.
Speaker 11: He said, nope, I'm going to go through my own
Speaker 11: insurance company. So she goes, well, you may get lesser,
Speaker 11: you may get less money now because of this.
Speaker 1: You know why, right? Do you know why?
Speaker 4: Well, I'll tell you.
Speaker 1: Let me just tell you why. Let me tell you why.
Speaker 11: It was with a crapload of money.
Speaker 1: For one Jeff.
Speaker 5: Jeff, listen carefully, I'm just going to cut to the
Speaker 5: quick here. He has a limited amount of liability, so
Speaker 5: what they were doing is dividing up the money between
Speaker 5: the two of you. If this guy said, this guy said,
Speaker 5: I'm not taking it. I'm going to go through my
Speaker 5: own insurance and then his insurance is going to.
Speaker 1: Sue that party. That's called subrogation.
Speaker 5: And if they get more money, you get less money.
Speaker 1: And they're telling you the.
Speaker 11: True they're giving him twenty eight dollars, yeah, which is
Speaker 11: over to twenty five. So I'm like, what, I don't
Speaker 11: get that? What do I get zero?
Speaker 5: No, you don't get zero. But you can only get
Speaker 5: Here's what you have to understand. You can only you
Speaker 5: can only.
Speaker 1: Get what coverage they have, plus go after the owner.
Speaker 5: Okay, but you have to make a choice if the
Speaker 5: owner of a let's stay. Let's just make it simple.
Speaker 5: Let's say they have twenty thousand in coverage. I know
Speaker 5: they have more, but let's just say it's twenty thousands.
Speaker 11: She said it was twenty five.
Speaker 1: That's all he has in liability.
Speaker 11: Yeah, the state, the statement of them whatever.
Speaker 1: If that's the case.
Speaker 5: Said, if that's the case, okay, you're not going to
Speaker 5: get and that guy gets twenty five, you're not going
Speaker 5: to get anything.
Speaker 1: That's right, That's exactly right.
Speaker 5: But well, Jeff, you know, where does the money come from.
Speaker 1: It doesn't come from heaven.
Speaker 11: One thing I don't understand is the guy that caused
Speaker 11: the accident still had a temp plate on his truck.
Speaker 11: I highly doubt he paid a cash for it. I
Speaker 11: highly doubt it he has What does that mean?
Speaker 5: What do you think full coverage could be the state minimum?
Speaker 1: Damn man, Listen, Jeff, Jeff, you just.
Speaker 11: Getting nothing out of an as I had insurance, Jeff, but.
Speaker 5: Nothing, Jeff, Well, I don't even know what you're talking about.
Speaker 5: If the guy who calls, Jeff, if the guy who
Speaker 5: calls the accident listen to this carefully, if he doesn't
Speaker 5: have enough coverage for all of you, they can decide
Speaker 5: to pay only the guy that they hit, okay, and
Speaker 5: and if they don't have any more money, you have
Speaker 5: a choice. You can use your own collision coverage, or
Speaker 5: you can go after the guy in car B that
Speaker 5: hit you, or you can go after the guy in
Speaker 5: car A. The fact that he doesn't have insurance doesn't
Speaker 5: mean he's not liable.
Speaker 1: He could still be liable. But does he have.
Speaker 5: Any money if you go after him? You see, it's
Speaker 5: not that you're not entitled to the money. You are
Speaker 5: entitled to it, but you're only entitled to it if
Speaker 5: you can get it. If there's no money, you can't
Speaker 5: get it. Let's just say some you know, like like,
Speaker 5: I don't know how to explain this to you, but
Speaker 5: if if those cars were driven by poor people with
Speaker 5: no insurance, you would get nothing.
Speaker 1: That's life, all.
Speaker 11: Right, you know. Well that's what it seems to be anyway.
Speaker 5: That's why listen, Jeff, that's why you got to carry
Speaker 5: your own insurance.
Speaker 1: Do you have collision coverage?
Speaker 9: Well?
Speaker 11: I had, I had state minimum coverage.
Speaker 5: Okay, well then you have the same thing these people have.
Speaker 5: Let me put it on you. What if you ran
Speaker 5: into somebody and they ran into somebody. What if you
Speaker 5: were the guy in the in the back of this
Speaker 5: line and you caused the accident, and you have state minimums? Right,
Speaker 5: how would you pay more than what you have in coverage?
Speaker 5: How would you do it? Would you sell your house?
Speaker 11: Well?
Speaker 8: You know, get that flash.
Speaker 11: I've put out three hundred of my own money already.
Speaker 1: Listen, Jeff, I had to fix the back windows.
Speaker 5: There's nothing fair. There's nothing fair about any of this.
Speaker 5: I'm not saying it's fair that the minimums are way
Speaker 5: too low. Okay, that's just the.
Speaker 1: Way it is.
Speaker 5: Go with a sure thing. Denver's Best Roofer Excel Roofing
Speaker 5: dot com. You don't pay a cent until you're content,
Speaker 5: leave time for an insurance checkup free, no obligation. In comparison,
Speaker 5: call Compass Insurance paying too much your coverage at dozens
Speaker 5: of insurance companies find out now three oh three seven
Speaker 5: seven to one help. You'll think you're his only customer
Speaker 5: when you choose Frank durand the real estate Man dot
Speaker 5: com to list your home with Remax Alliance three oh
Speaker 5: three nine two zero sixteen twenty two.
Speaker 1: So you don't have come runs as.
Speaker 11: Fast as we can.
Speaker 3: Shooter's gonna help come man, this is the Troubleshooter Show.
Speaker 4: No Tom Martine, all right, I.
Speaker 1: Want to talk to you about your problems.
Speaker 5: Question complains Jordan Kiano's with us with my Money Myway
Speaker 5: dot com, and I want to ask him a question
Speaker 5: because this is something I get every time we talk
Speaker 5: about fixed indextinuities. By the way, that's not all they
Speaker 5: do at my money my Way dot com.
Speaker 1: They also do overfunding. They do fixed indextinuities.
Speaker 5: They do overfunding of life insurance, which, by the way,
Speaker 5: in my opinion, is like a mini annuity. Basically, it's
Speaker 5: a do it yourself annuity, where with life insurance where
Speaker 5: you overfund it on purpose. A lot of people think
Speaker 5: it's about the life insurance.
Speaker 1: It's really not.
Speaker 5: It's about overfunding and having cash value grow tax free,
Speaker 5: and then you borrow from it later in life and
Speaker 5: you almost use it as auxiliary income. And because it's alone,
Speaker 5: you never pay tax on it, and then the life
Speaker 5: insurance proceeds can pay it off if you don't pay
Speaker 5: it off.
Speaker 1: Jordan, that is like a mini annuity, isn't it almost.
Speaker 11: It's almost like that.
Speaker 9: I almost always kind of say like a rock on
Speaker 9: steroids as well. You know, because you hit it right
Speaker 9: on the head, tax free money, you get guaranteed growth
Speaker 9: tax your money, but liquidity just as you mentioned to
Speaker 9: pay stuff off.
Speaker 1: In patiently guaranteed security too.
Speaker 5: You'll never lose it, right So, and by the way,
Speaker 5: so that's one thing.
Speaker 1: Overfunding life insurance.
Speaker 5: Anybody can do it at any income level. That's a
Speaker 5: really good starter for everyone with a portfolio. Then when
Speaker 5: we talk about a fixed indextenuity, let's talk about a
Speaker 5: more sophisticated person. They're investing money and they have upside
Speaker 5: potential with the market. They have upside potential here and there,
Speaker 5: but once you put your money into a fixed inextenuity.
Speaker 5: You're settling for a fixed return. Again, it's guaranteed and
Speaker 5: it's fixed, and then you're settling full or a lack
Speaker 5: of well, it's not total lack of liquidity, but some
Speaker 5: because your money's tied up and then in exchange for
Speaker 5: that you get income.
Speaker 1: So could that ever come back to bite anyone?
Speaker 5: I mean, I would say you don't put every dime
Speaker 5: you have in it, and there's always room.
Speaker 9: For it, right, right, I would say you know two things.
Speaker 9: One is it's most times it's pretty much the same
Speaker 9: rules or a lack of liquidity for four one k's iras.
Speaker 9: That's right, it's similar.
Speaker 8: You're not changing too much on that.
Speaker 9: But to your question, I would say you don't everyone's
Speaker 9: everybody says, don't call your eggs in one basket, right.
Speaker 9: I think it's smart to have something you can count
Speaker 9: on guaranteed, and that's where this product fits. For anybody
Speaker 9: who's ready for retirement or getting into that age fifty
Speaker 9: to fifty five plus, this is the time to start
Speaker 9: having a basket. That's the silver line to never break
Speaker 9: with those eggs, and that's where gives you growth without
Speaker 9: root the risk of going down, and you also have
Speaker 9: that guaranteed component no matter what.
Speaker 1: So can you borrow from an annuity if you need money.
Speaker 9: You can't borrow, but you can take distributions out of it,
Speaker 9: so that most companies they let you have up to
Speaker 9: ten percent, uh, you know, withdrawals, and that's something that
Speaker 9: just as you mentioned, if you're not ready to turn
Speaker 9: the income on and have a set paycheck yet, but
Speaker 9: you have an emergency you need some extra cash, that's
Speaker 9: where these products do well. You can get some access
Speaker 9: to it, unlike some four one k's where you might
Speaker 9: have to prove to them hardships, loans, that kind of stuff.
Speaker 8: College education.
Speaker 9: You don't have to do that with with this product.
Speaker 5: But if you take then that's ten percent less your
Speaker 5: money's grown, I mean ten percent growing in your account,
Speaker 5: and that'll affect ultimately your income.
Speaker 1: Wouldn't it correct?
Speaker 9: That would that would also yeah, exactly dependent on you know,
Speaker 9: whether it's wroth or not the infant side, but to
Speaker 9: your future income. As you're saying, if it doesn't make
Speaker 9: it back up, or if there's no additional contributions at
Speaker 9: it over those years, you're right, then it could reduce
Speaker 9: the payout just slightly.
Speaker 5: Now it's up to ten percent without penalty, But is
Speaker 5: it ten percent or less?
Speaker 1: Can you take less than ten percent?
Speaker 9: You can't take? Yes, yep, you're you're saying it correctly, yep.
Speaker 5: And do you pay tax since you paid tax on
Speaker 5: that money and you take out ten percent?
Speaker 1: Are you taxed on any of the growth?
Speaker 5: Do they take a portion of the growth and assign
Speaker 5: it to that withdrawal?
Speaker 9: Again, that's a good, good question that will be based
Speaker 9: again if it's raw or traditional or non qualified. But
Speaker 9: most times they will ask if you want to hold
Speaker 9: just like anything else taxes or paid in the in
Speaker 9: the end of the year on your own, but it
Speaker 9: will add to your income if it's full on Kira
Speaker 9: money and unqualified.
Speaker 5: But is it all of it considered return or is
Speaker 5: only some of it considered return?
Speaker 9: So they do it based off of ordinary income up front,
Speaker 9: and then it's the game thereafter. So again, if it's
Speaker 9: four on Kira money, this is what the tax consultants
Speaker 9: will chime in a little bit more on that, but
Speaker 9: it's going to be traditionally just like a four to
Speaker 9: one K you'll pay ordinary income on that if you
Speaker 9: catch out the same with this product. But if it's
Speaker 9: money that you didn't put it in and it had
Speaker 9: nothing to do with you sold a house, well then
Speaker 9: it's just going to be kind of similar. It'll be
Speaker 9: on the gains that you get taxed on, and that'll
Speaker 9: be ordinary.
Speaker 1: Income and that's only on withdrawals.
Speaker 5: Do most people ever find themselves withdrawing money before it
Speaker 5: annuitizes or do they usually wait?
Speaker 11: You know, for most people that I've seen, most let.
Speaker 9: It wait because again, this money was four to one
Speaker 9: k ira money. If they're underage fifty nine and a half, well,
Speaker 9: they also have ten percent from the government, so you know,
Speaker 9: if they're paying let's say twenty percent taxes and ten
Speaker 9: percent of government, BUTUS thirty percent.
Speaker 8: Right off the top.
Speaker 5: So most have you Have you ever heard of parents
Speaker 5: opening annuities for kids for college?
Speaker 9: Good point. I would say it's more rare because of
Speaker 9: you know, age requirements. For a lot of companies you
Speaker 9: can open annuities.
Speaker 5: Oh, because because you can't, because they can't turn on
Speaker 5: the income for college.
Speaker 15: You got it.
Speaker 9: Yes, So it'd be more so just with growth and protection.
Speaker 9: But then they can just you know, disburse the money
Speaker 9: if they'd like. But it wouldn't have that income side
Speaker 9: to the benefits of the guaranteed long term care side
Speaker 9: and all that.
Speaker 8: Because they're too young.
Speaker 5: But you become the banker product. The overfunding of life insurance.
Speaker 5: Now that you can do for your kids because the
Speaker 5: cost of insurance is very low and you can overfund
Speaker 5: the hell out of that for college.
Speaker 9: You got it, and it doesn't have to be you know,
Speaker 9: we focus on, you know, maximizing growing it for the
Speaker 9: rest of their life. Well for college purposes. Maybe somebody's
Speaker 9: got a five twenty nine pen and they're sick of
Speaker 9: the performance. Maybe he has money that's just grandma and
Speaker 9: grandpa send him every year. Well, that is it right
Speaker 9: where you want to dump it in, put it into
Speaker 9: the become the banker life account, use it for whatever.
Speaker 9: If the kid gets scholarship's grants, maybe they don't need
Speaker 9: all this college education money, but they want.
Speaker 8: To use it for homes, books, whatever, Well you can do.
Speaker 9: That with it becomes of the banker life five twenty nine.
Speaker 9: You get a little limited and of course it rights
Speaker 9: at the market.
Speaker 1: Hey question, Tom, Yeah, go ahead.
Speaker 6: Which of these products do you have to take a
Speaker 6: minimum required distribution from annually?
Speaker 9: Neither of them that would Yeah, the only one you
Speaker 9: have to do with the if it was four wing
Speaker 9: Kira money once you're that's right, that's right.
Speaker 1: If it's qualified money.
Speaker 5: They look at all of your plans, doc, and the
Speaker 5: only thing you have to take a minimum required distribution
Speaker 5: from is a qualified plan where taxes were deferred. So
Speaker 5: they want they want you to think of it this way.
Speaker 5: If taxes are deferred, the government wants you to pull
Speaker 5: at least some of it out and start paying tax
Speaker 5: on it if it wasn't deferred, and it's going to
Speaker 5: be tax free like a WROTH.
Speaker 1: Now Wroth by the way.
Speaker 5: While it's tax deferred because the money going in was
Speaker 5: not deducted.
Speaker 1: With a WROTH, it's tax free.
Speaker 5: So they don't require a minimum distribution on Wroth money.
Speaker 8: Yeah, I just thought to make that they limit you everybody.
Speaker 5: Yeah, with Roth, by the way, it's one of the
Speaker 5: few qualified plans where you're not required to take a
Speaker 5: minimum a distribution.
Speaker 1: Let's talk to Frederick. He has a landscaping problem.
Speaker 5: And by the way, that's my money, myway dot com,
Speaker 5: you know, and I've known these guys for yours.
Speaker 1: Frederick, what's going on with landscaping.
Speaker 11: Tom, I got a question for you.
Speaker 15: I've had a town home that backs up to a open,
Speaker 15: uh basically common area. The landscapers come by and they
Speaker 15: use these big zero turn moowers. They have no discharge
Speaker 15: off of them. Uh you know, so they just shoot
Speaker 15: rocks and everything wherever they may left the property came back.
Speaker 15: I had a double paned sliding glass window that was broken.
Speaker 15: I'm extremely protected with a hill on one side. So
Speaker 15: I cond type of landscaper he said, Nope, I didn't
Speaker 15: do it.
Speaker 5: Hey, this is where a This is where a ring
Speaker 5: camera would come in handy, right.
Speaker 15: It would, wouldn't it.
Speaker 5: But hold on, So nobody's admitting to it.
Speaker 15: No one's admitting to it.
Speaker 1: Damn it. There's nothing you can do about it. I
Speaker 1: mean you can. It's just like any accusation.
Speaker 5: It's like it's like accusing a kid down the.
Speaker 1: Street, you know, throwing a baseball. I mean, what do
Speaker 1: you do?
Speaker 15: Well, let me ask you a question. I have video
Speaker 15: of that same landscaper the next week coming by with
Speaker 15: it right on mowers and they're discharged wide open and.
Speaker 1: Okay and spread. That's wonderful. That's wonderful.
Speaker 5: That's called circumstantial evidence, meaning I can show you this
Speaker 5: week what he was doing, so therefore he must have
Speaker 5: been doing it last week, or it must have been
Speaker 5: what caused the problem. It's never going to work as
Speaker 5: far as small claims court or something. It's of honor.
Speaker 5: If they're not going to if they're not going to
Speaker 5: pony up to it, then they're not going to pony
Speaker 5: up to it. Okay, it would be hell to pay
Speaker 5: to try to prove it. Well, I don't think you could.
Speaker 5: I don't think like if you two have a small
Speaker 5: claims card and said, your honor, this is what they
Speaker 5: do as a matter of fact, and isn't it logical
Speaker 5: that they broke my window? They'd say, yeah, it's logical,
Speaker 5: but it's not legal.
Speaker 15: So you don't think it's worth taking this small claims card?
Speaker 5: Well, that's up to you. That's a fifty dollars risk, man.
Speaker 5: I mean, they might say. They might say, let's settle.
Speaker 5: How much did it cost you to fix?
Speaker 15: And ninety bucks?
Speaker 5: Holy crap, now did your homeowners fix that?
Speaker 15: No, I haven't even submitted it.
Speaker 5: And by the way, you may not want to. It
Speaker 5: might not be worth it. It might be the deductible but
Speaker 5: here's the deal. Okay, if you take it to small
Speaker 5: claims court, you you really have no direct evidence. And
Speaker 5: if these guys simply say, did not do it, we
Speaker 5: were not mowing that day, how do you prove otherwise?
Speaker 1: That's what I'm asking you.
Speaker 5: If you had a witness, if you had someone, it
Speaker 5: would be different. See, the courts don't work on logic,
Speaker 5: like you're thinking, not logic, but circumstances. They don't say, well, yeah,
Speaker 5: well it seems and it is kind of logical. Well
Speaker 5: it seems logical, or it seems reasonable that these guys
Speaker 5: do this every week on this day, and one day
Speaker 5: he comes home and finds his window cracked, and here's
Speaker 5: what they do.
Speaker 1: But it's it's just not fair. I mean, it'll never happen.
Speaker 5: I could never see them a judge saying, yeah, you're right.
Speaker 1: I don't know, man, what do you I mean? I
Speaker 1: just don't see it happening. So it's up to you.
Speaker 5: You can ay, you can file. It's fifty bucks, go
Speaker 5: ahead and see what I mean. They might want to settle,
Speaker 5: but maybe not. Are they a big landscaper or some
Speaker 5: rinky dink.
Speaker 8: You know, I don't really know to be honest with him.
Speaker 11: I don't know how.
Speaker 8: Big they are.
Speaker 15: I know it's family owned, but I don't know how
Speaker 15: big they are.
Speaker 1: Well, how do they think it happened? Did they mention anything?
Speaker 8: Yeah?
Speaker 15: I was told that there was a windstorm and a
Speaker 15: pine cone probably came and broke the window.
Speaker 1: Jeez, I don't know.
Speaker 15: I live in a very protected I've got almost a
Speaker 15: forty degree hill.
Speaker 5: No, I get what you're saying. Listen, I know where
Speaker 5: you're going. You're going for the circumstantial evidence.
Speaker 1: Yep, but it's not.
Speaker 5: I mean it's weird, but well, I don't know if
Speaker 5: it's weird or not. I mean, if we could convict
Speaker 5: on that or win on that, that would be a
Speaker 5: that would be a pretty scary thing. You have to
Speaker 5: have some direct evidence, some eyewindows for something something.
Speaker 1: Well, I think, so you listen, Like I said, it's
Speaker 1: a fifty.
Speaker 5: Dollars gamble, so instead of six hundred and fifty, it'll
Speaker 5: be seven hundred dollars loss, and you may want to
Speaker 5: figure it out.
Speaker 1: I just don't know if.
Speaker 5: I would go through that trouble three all three, seven, one, three, eight,
Speaker 5: two five five.
Speaker 1: Go with a sure thing.
Speaker 5: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 5: a cent until you're content. Time for an insurance check
Speaker 5: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 5: too much your coverage at dozens of insurance companies find
Speaker 5: out now three oh three seven seven to one help.
Speaker 5: You'll think you're his only customer when you choose Frank
Speaker 5: durand the real estate Man dot com to list your
Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two.
Speaker 1: Hi, Tom Marts, you know here?
Speaker 5: Three oh three seven one three talk seven one three
Speaker 5: eight two five five.
Speaker 1: Wow, we got some a lot of different problems here.
Speaker 1: I want to get to Gene.
Speaker 5: What is this tenant landlord issue? I'm hoping it's not
Speaker 5: that difficult. Maybe we can help you. What's going on?
Speaker 11: Jean?
Speaker 23: Well, I have been told that that the renters do
Speaker 23: not want to move out. They owe eight thousand dollars.
Speaker 1: Wait a minute, Wait a minute. This is you're a landlord? Yes,
Speaker 1: and they owe.
Speaker 5: Eight thousand dollars? And why did you let it get that?
Speaker 5: How many months does that represent?
Speaker 11: Well?
Speaker 23: What they did was one party paid half and the
Speaker 23: other didn't pay anything and they kept promising that they
Speaker 23: would catch up.
Speaker 5: Yeah, but as far as you're concerned, though, they're both
Speaker 5: on one lease. Or did you only charge half to
Speaker 5: each other?
Speaker 9: No?
Speaker 23: No, no, they were both on the lease. But the
Speaker 23: one gentleman feels like he's paid every time and that
Speaker 23: gives him some rights.
Speaker 1: No, it doesn't.
Speaker 5: No, it doesn't not if they're on one lease and
Speaker 5: only half the rents paid. So listen, you got to
Speaker 5: proceed for an eviction. Don't hesitate. Call an attorney and
Speaker 5: get an eviction.
Speaker 8: Yeah.
Speaker 23: Well I did call an attorney, and they sent me
Speaker 23: the particular document that I'm supposed to fill out, and
Speaker 23: he said, now I want you to know that if
Speaker 23: you do fill out this document, that these people cannot
Speaker 23: rent anywhere ever again in Denver. And I thought that
Speaker 23: was well, first of all.
Speaker 5: Why does this attorney even have to tell you that?
Speaker 5: What attorney is this that you?
Speaker 1: You? You called.
Speaker 23: I belong to a little club and each month you
Speaker 23: pay a fee. Most of the time you don't use it.
Speaker 23: But if you what do.
Speaker 1: You mean a club?
Speaker 5: You're not you're not talking about pre paid legal, are you?
Speaker 23: No, it's just a monthly payment you make uh to
Speaker 23: a group of attorneys, and they then what.
Speaker 1: Is it called? I never heard of? So what is
Speaker 1: it called? Is it it's not prepaid?
Speaker 6: Legal?
Speaker 1: What is it called?
Speaker 23: I think the name of it is legal trade. I'd
Speaker 23: have to look it up.
Speaker 5: My Okay, listen, listen is it now? Do you have
Speaker 5: to pay extra when you do this?
Speaker 9: Uh?
Speaker 5: Or will they do the eviction for you?
Speaker 2: No?
Speaker 23: They don't the eviction. They answer questions.
Speaker 5: Okay, how much? How much do you pay a month
Speaker 5: for this?
Speaker 23: Forty five dollars?
Speaker 5: Man, I'm your wasting money? Holy crap, what a waste
Speaker 5: of money?
Speaker 1: You can?
Speaker 5: You can get any answer you want on the internet.
Speaker 5: Have you ever heard of artificial intelligence?
Speaker 1: Yeah?
Speaker 5: Listen, I wouldn't. I wouldn't pay that for any If
Speaker 5: they're not look it. If you want to get an
Speaker 5: eviction done, call a real real estate attorney olslaw dot
Speaker 5: com Brad O'Brien and have them do an eviction. Do
Speaker 5: not wait, and it's not your concern. If they can
Speaker 5: rent again or not, that's up to them. They can
Speaker 5: cure the default and stay there. But you can't be
Speaker 5: concerned with that gene because you're going to be left
Speaker 5: high and dry.
Speaker 23: Okay, Well, I realize I'm never going to get that
Speaker 23: eight thousand.
Speaker 1: Well, who says you won't. Who says you.
Speaker 23: Won't, Well, I don't want to go through a court
Speaker 23: battle or anything else. They don't have the money.
Speaker 1: Okay, If you don't want.
Speaker 5: To go through a court battle and you're not going
Speaker 5: to get paid, then what does that mean, Because you're
Speaker 5: going to have to go to court or have an
Speaker 5: attorney go to court to get an eviction. So so, Gene,
Speaker 5: just keep it the way it is, then they'll stay
Speaker 5: there forever. You got great tenants paying half rent.
Speaker 23: No, I don't want them to stay there, but I
Speaker 23: want to get them out?
Speaker 5: What were you hoping I would tell you? Because no, No, seriously, now, Gene,
Speaker 5: I mean this. I'm not being disrespectful.
Speaker 1: What were you hoping?
Speaker 23: Squatter's rights people are telling some people that don't know
Speaker 23: anything legally have been telling me that because they have
Speaker 23: been paying half for a while, that they can have
Speaker 23: squatter's white rights. And I don't understand squatters.
Speaker 7: What they are.
Speaker 5: Listen, there's no such thing, okay.
Speaker 1: Just what a squatter right.
Speaker 5: Is is if they stay in a place and claim residency. Okay,
Speaker 5: and just please please talk to an attorney and not
Speaker 5: these idiots that you've been talking to you. These people
Speaker 5: were paying half rent. They violated the lease. Get them
Speaker 5: out of there. When is the lease up?
Speaker 23: Oh it's expired.
Speaker 1: Get them out of there or you're going to be sorry.
Speaker 23: Well, I'm trying to figure out how to do it.
Speaker 1: I just told you.
Speaker 5: You call an attorney and let them do it. It
Speaker 5: will save you money every month. You're losing money every
Speaker 5: single month.
Speaker 23: Correct, But it is very, very expensive for the attorney
Speaker 23: to do it. And what they know it isn't tell me.
Speaker 1: No, it's not expensive.
Speaker 5: No, listen, how much a month are they paying in rent?
Speaker 23: Two they're supposed to be.
Speaker 5: Paying and wait only two thousand and five hundred? And
Speaker 5: what do they pay?
Speaker 23: Well, the sun is paying half one two hundred and fifty.
Speaker 23: The mother had surgery and has been paying nothing.
Speaker 5: Okay, so listen, So every month you're every month you're
Speaker 5: paying twelve hundred bucks, You're you're spent. You're losing. In fact,
Speaker 5: you're probably losing more than that.
Speaker 1: Is it an apartment or.
Speaker 11: A house, a house?
Speaker 5: You're you're renting a house for twenty five hundred? Where
Speaker 5: is this house.
Speaker 23: In our battle?
Speaker 5: What do you think that house is how many bedroom
Speaker 5: house is it?
Speaker 23: It's two bedrooms with a shutter that you can close
Speaker 23: off to make a third bedroom.
Speaker 1: Or does it have a garage?
Speaker 23: Yes, has a garage.
Speaker 5: Okay, you know what your average rent is for thousand?
Speaker 5: What do you think your average rent is for that? Well,
Speaker 5: I'm not three thousand, two hundred dollars, oh, which means
Speaker 5: you can get even more than that. Listen, Gene, I
Speaker 5: can only tell you so many times the right answer,
Speaker 5: and it's not I'm not going to tell you the
Speaker 5: wrong answer after telling you the right answer, Call Brad O'Brien,
Speaker 5: O'Brien Legal Services, get it done correctly, get it done
Speaker 5: immediately and get good tenants in there.
Speaker 23: I want to write that down, would you yes?
Speaker 5: O'Brien Legal Services, Kachina get her the number please three
Speaker 5: oh three seven to one three talk seven one three
Speaker 5: eight two five five. It's olslaw dot com. Get her
Speaker 5: that number please. So we because I don't want to
Speaker 5: do it on the air. We have more coming up
Speaker 5: on the Troubleshooter Show. Jordan Canno. Somebody wanted to know
Speaker 5: what's the minimum somebody can get into overfunding life insurance
Speaker 5: to do a cash cash value.
Speaker 8: Yeah.
Speaker 9: Uh so the minimum is I mean really gonna be
Speaker 9: round like two and fxty bucks a month. I mean
Speaker 9: it's that low. And then it's people are under the
Speaker 9: age of twenty one or eighteen, you can get it
Speaker 9: even lower.
Speaker 8: Grandparents like to you maybe do one hundred dollars a month.
Speaker 1: Yeah, but you can do it more if you want
Speaker 1: to accumulate.
Speaker 7: Cash faster, right, Oh exactly.
Speaker 9: And if you have a lump sum, you can dump
Speaker 9: it in there and it will shargo on day one
Speaker 9: and it's accessible up to ninety five percent.
Speaker 5: Okay, that's my money, myway dot com three oh three,
Speaker 5: seven seven nine sixty six hundred Go with a sure
Speaker 5: thing Denver's best roofer Excel Roofing dot com. You don't
Speaker 5: pay a cent until you're contents. Time for an insurance
Speaker 5: check up free, no obligation. In comparison, call Compass Insurance
Speaker 5: paying too much your coverage at dozens of insurance companies
Speaker 5: find out Now three out three, seven to seven to
Speaker 5: one help. You'll think you're his own only customer when
Speaker 5: you choose Frank durand the real estate Man dot com
Speaker 5: to list your home with Remax Alliance three oh three
Speaker 5: nine two zero sixteen twenty two. Hi Tomwarks, you know
Speaker 5: here at three oh three seven one three talks seven
Speaker 5: one three eight two five five. Bill has a question
Speaker 5: on home title theft. Go ahead, Bill, what's happening?
Speaker 15: Hey?
Speaker 24: How's it going?
Speaker 11: Hey?
Speaker 24: I was watching TV last night and someone they ran
Speaker 24: a commercial to it with some kind of insurance to
Speaker 24: protect the title.
Speaker 15: To your house.
Speaker 24: They made it sound like someone could steal it really easily.
Speaker 5: You know, I mentioned this before and I didn't get
Speaker 5: back to it, and I gotta I chastise yourself for that.
Speaker 1: I said, why you don't need title Locke let me.
Speaker 5: I know they advertised a lot here, but let me
Speaker 5: just explain the reality.
Speaker 1: Okay.
Speaker 5: The only thing title Lock and all of these do,
Speaker 5: The only thing they do is notify you if something
Speaker 5: is recorded against your home.
Speaker 1: Okay.
Speaker 5: Many of the counties have started doing this free of
Speaker 5: charge if you sign.
Speaker 1: Up for the service. But title Lock does not really
Speaker 1: lock anything.
Speaker 5: They can't prevent me from from Anyone who wants to
Speaker 5: commit fraud can do it.
Speaker 1: They can.
Speaker 5: What when they talk about title that they make it
Speaker 5: sound like all I have to do is file a
Speaker 5: quit claim deed and I own your home.
Speaker 8: That is just right, It's just not true.
Speaker 5: Now, if you have a home, I can file a
Speaker 5: quit claim date Bill.
Speaker 1: I can.
Speaker 5: If your home's paid off, that means I own it
Speaker 5: free and clear. If it's not paid off, that means
Speaker 5: I own it subject to the security meet Theoretically, what
Speaker 5: I mean is this.
Speaker 1: A quit claim says this very clearly.
Speaker 5: A quit claim says that I quit my claim to
Speaker 5: any that you have, any claim that I have in
Speaker 5: that house. So I can legally, right now, I can
Speaker 5: legally write you a quit claim deed you Bill to
Speaker 5: the to the Brooklyn Bridge, Okay, or to a house,
Speaker 5: or to the Empire State Building.
Speaker 1: Because all it's saying is.
Speaker 5: Whatever Tom Martino owns in this Empire State Building is
Speaker 5: now conveyed to Bill. If it's nothing, then nothing is conveyed.
Speaker 5: So here's what they tell you happens. When your house
Speaker 5: is paid off, they write out a quit claim deed
Speaker 5: to themselves or to a friend, and they forge your name.
Speaker 1: That's absolutely true.
Speaker 5: Anyone can do it at any time, and they can
Speaker 5: file it sometimes even online without ever going into the courthouse.
Speaker 24: So so they would have to prove it.
Speaker 1: That's exactly right. All it is is a claim. It
Speaker 1: is not a deed. It is not a ownership document.
Speaker 24: So well it didn't sound right.
Speaker 5: What LifeLock would do is notify you that you have
Speaker 5: something recorded. Then you would have to go and fight it,
Speaker 5: just like you would have to fight it anyway. There's
Speaker 5: nothing locked about it. You're fighting the claim. But it's
Speaker 5: easy to fight. But I will tell you this, it
Speaker 5: costs you money.
Speaker 1: It does.
Speaker 5: I mean, because what would you do if you found
Speaker 5: there's a quit claim deed on your house. Well, it
Speaker 5: would be a pain in as you would have to
Speaker 5: go and do a quiet title action. It wouldn't take much.
Speaker 5: You could get it done pretty damn quickly. But LifeLock
Speaker 5: isn't doing that for you. All they're doing is notifying you.
Speaker 5: You still have to hire an attorney and fight it. Okay,
Speaker 5: So I don't get it. I just don't get it
Speaker 5: because you know, being notified, Yeah, is that useful?
Speaker 1: Sure it is. But you can do a.
Speaker 5: Damn title search of your home quarterly if you want,
Speaker 5: for a few bucks, or or yearly if you.
Speaker 1: Want, you know.
Speaker 5: I mean, but even if you find something on there,
Speaker 5: it doesn't mean they can foreclose on your house. And
Speaker 5: if they go out and get a loan on your house,
Speaker 5: do you know how many notaries they would have to defraud,
Speaker 5: how many defrauded or excuse me, fraudulent notaries they would
Speaker 5: have to use, or banks that are stupid to.
Speaker 1: Loan money on a house.
Speaker 5: I mean, I mean, it just doesn't happen like they
Speaker 5: say it does.
Speaker 1: Now. We have found cases.
Speaker 5: Where it has happened and the people had to fight
Speaker 5: to get their house back. I'm not going to tell
Speaker 5: you it never ever, ever happens, but they make it
Speaker 5: sound like, oh my god, I'd better lock this title
Speaker 5: where now I got the key. There's no locking. The
Speaker 5: county doesn't have a mechanism to lock it. In fact,
Speaker 5: I thought some counties were working on it. Dennis has
Speaker 5: a quick comment on quit claim deeds go ahead, and
Speaker 5: it's not quick as in fast. Everyone says quick claim deeds.
Speaker 5: That's how I know they're morons, because what it is
Speaker 5: is a quit I quit my claim and I'm conveying
Speaker 5: it to you. It is a quit claim deed go ahead, Dennis.
Speaker 19: So, Tom, you just mentioned real briefly that some of
Speaker 19: the counties are working on a process, and that's what
Speaker 19: I was actually calling in about Thank you Douglas. I
Speaker 19: know Douglas County has already got it in place. They're
Speaker 19: going back and scanning all the deeds and any time
Speaker 19: that your name as the owner of the property shows
Speaker 19: up at the county for a change of anything, then
Speaker 19: and they send you an email and notify you that
Speaker 19: this and this happened.
Speaker 5: Wonderful, that's wonder And see you don't have to pay
Speaker 5: for that, do you No.
Speaker 15: It's free.
Speaker 19: Yeah, and I think that that's something that most of
Speaker 19: the counties are doing right now in Colorado.
Speaker 1: So why would you ever need a title lock? You don't,
Speaker 1: of course not.
Speaker 5: Yeah, Okay, well, thank you very much. I appreciate that information, Dennis.
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Speaker 5: home with Remax Alliance three oh three nine two zero
Speaker 5: sixteen twenty two. Hi Tom Martino here three oh three
Speaker 5: seven one three talk seven one three two five five Frank,
Speaker 5: what's going on?
Speaker 8: Man?
Speaker 1: I want to try to squeeze you in here.
Speaker 5: I want to remind people of my money myway dot
Speaker 5: com three oh three seven seven nine sixty six hundred
Speaker 5: seven seven nine sixty six hundred. I'm going to try
Speaker 5: to squeeze him in again, Frank. What's going on with
Speaker 5: the collecting money from a contractor?
Speaker 8: Yeah? Can hear me?
Speaker 1: Yes? Are you Are you the contractor? Are you the client?
Speaker 25: I'm the contractor?
Speaker 5: Okay, and you can't collect well you know about leaning
Speaker 5: property right?
Speaker 25: Oh yeah, but it's been it's almost a year now.
Speaker 1: Oh oh yeah, it's too it's too late. It's too late.
Speaker 1: What is it owed for?
Speaker 25: Oh, sociding work?
Speaker 5: Are they let me ask you this, Frank? Are they
Speaker 5: denying you did the work? Or are they saying it
Speaker 5: wasn't good? What is their excuse for not paying?
Speaker 25: Well, no, they're not denying us. They're they're want to pay.
Speaker 25: It's the problem is they trying to rEFInd us they
Speaker 25: was insurable because they had bad sighting, so they contracted
Speaker 25: us to replace it so it could be insured. Yeah,
Speaker 25: and so in the process he was he's a veteran,
Speaker 25: so he's been going to be a loan from some
Speaker 25: company I guess.
Speaker 8: Uh and uh.
Speaker 25: So the son doesn't talk to them, but he's on
Speaker 25: the deed, so he wouldn't go to the signing the
Speaker 25: of I guess to pick for work to do the loan.
Speaker 25: And so he's working to get him off.
Speaker 11: I guess.
Speaker 25: My question is that something he can do or or kicking.
Speaker 1: On and now he's on the deed? Is that right?
Speaker 5: You know, the son with the parents and so so
Speaker 5: three of them are on the deed.
Speaker 1: Is that correct?
Speaker 25: Well, not the mom the mom, just the dad.
Speaker 1: The dad and the son are on the deed.
Speaker 5: Neither one of them can get rid of the other
Speaker 5: without without the others consent.
Speaker 25: Okay, because he's been trying to do with the dogs
Speaker 25: and the judge is going just you.
Speaker 19: Know, the court.
Speaker 16: Month.
Speaker 5: Okay, I'm gonna I'm gonna get Brad O'Brien on the
Speaker 5: air tomorrow. We're gonna talk about this because this happens
Speaker 5: more than you think. If there are two people on
Speaker 5: a deed, and there is no partnership agreement, then you
Speaker 5: have to go through what's called the partnership laws in
Speaker 5: the state. In other words, when people are when people
Speaker 5: own something together in the absence of an agreement, there
Speaker 5: is an implied agreement that the state has and then
Speaker 5: unfortunately it calls for dissolution, which means they would have
Speaker 5: to sell it and divide the proceeds.
Speaker 1: It really gets sticky.
Speaker 5: But I'm hoping Brad O'Brien would have another answer, Kachina,
Speaker 5: would you get Brad O'Brien on tomorrow with this guy.
Speaker 1: This is a very important question.
Speaker 5: Okay, thank you, Jordan Piano, my moneymway dot com.
Speaker 1: These are people you can trust. Three o three seven
Speaker 1: seven nine sixty six hundred. Don't forget folks. Three oh
Speaker 1: three Martino for help.