Speaker 1: Ripped up.
Speaker 2: Need ad. That's who you don't have.
Speaker 3: Come run in just as fast as we can. Shooter's
Speaker 3: gonna help come.
Speaker 4: Dix is the Troubleshooter Show. No Tom Martino, Hey.
Speaker 2: Tom Martino here, Welcome to the show. Three oh three
Speaker 2: seven one three talk seven one three, eight two five five.
Speaker 2: Get your calls in. We'll solve problems, we'll answer questions,
Speaker 2: we'll take complaints. We'll make your life just a little easier.
Speaker 2: So what's going on in your life? Anything we can
Speaker 2: do to make it easier. Let us know one thing
Speaker 2: I want to mention because I got a text about it.
Speaker 2: Somebody entered a free trial. I want to know why
Speaker 2: the monthly payments for showing up free trials have we have?
Speaker 2: We not caught on to that. Free trials automatically revert
Speaker 2: to monthly payments if you agree to that. And most
Speaker 2: free trials are just that. They're a free trial hoping
Speaker 2: you won't cancel. So you need to go back and
Speaker 2: look at your trials. You need to keep track of
Speaker 2: your trials. Put them on a calendar. Put them on
Speaker 2: a calendar so you can keep of them and cancel them.
Speaker 2: This is common sense, right, Three oh three seven one
Speaker 2: three talk seven one three, eight two five five. Welcome
Speaker 2: to the show. Is Major Mark Major on today? Did
Speaker 2: you get the uh? Okay, do you got the camera
Speaker 2: up and running? I'll put that.
Speaker 5: Up that I'm not sure, Kelly, shut that up. I
Speaker 5: walked into the city right.
Speaker 6: As it is.
Speaker 2: I'm I'm going to transition to that. And as you'll see,
Speaker 2: I've shut up, Shannon, I see, I see. Uh. Now
Speaker 2: we have everybody up and running them Nick Gravina and
Speaker 2: we have Nick from Gravina's Windows Siding indoors nine to
Speaker 2: fifty West Evans. Then we have Deputy Bowl over here
Speaker 2: today along with Deputy d So. Welcome to the show everyone,
Speaker 2: And first of all, do you guys have any follow ups?
Speaker 2: Any deputies have any follow ups? Yes? No, maybe, And
Speaker 2: then we'll move on.
Speaker 1: Guys, what do you got d Well? You know, still
Speaker 1: waiting to hear back from a couple of a couple
Speaker 1: of businesses that are of concern, you know, the Hidden
Speaker 1: Lake apartments. This lady Katie called us yesterday and she
Speaker 1: alleged bed bugs and cockroaches.
Speaker 2: So she was moving in. She had only rented it
Speaker 2: twelve days ago. She's in the process of moving in
Speaker 2: and she saw two dead cockroaches and assumed there was
Speaker 2: a major infestation.
Speaker 1: Well, and the more troubling part of her allegation, we saw,
Speaker 1: she's an allegiant.
Speaker 2: I can hear you in the background, okay.
Speaker 1: And when she went to the management office to inquire
Speaker 1: about the cockroach infestation, there was a lady over there who,
Speaker 1: according to our caller, was crying because she was getting
Speaker 1: bitten by bedbugs to the extent that she couldn't go
Speaker 1: to work for some reason.
Speaker 2: So so, in any case, well Hidden Valley apartment, did
Speaker 2: you get through to them?
Speaker 1: I did, you know. I left them a voicemail and
Speaker 1: I exchanged the several emails, and what do they say?
Speaker 1: He said that somebody will get back to me on this,
Speaker 1: and I said, look, we just want to get some
Speaker 1: input into this matter, and we'd love to help Katie
Speaker 1: cancel that lease without any penalties, because it sounds like
Speaker 1: they want four thousand bucks from her just for not
Speaker 1: moving in. And man, I really feel for this, ladies.
Speaker 1: I would hate to move into a place that's got
Speaker 1: cockroaches and bed bugs. I would definitely I would definitely
Speaker 1: stay away, you know if that was me.
Speaker 2: Okay, now call us with any problem you might have.
Speaker 2: Three h three Martino is a good number two because
Speaker 2: you can call that twenty four to seven freight forwarding. Tom.
Speaker 2: I got an offer for a job, and I think
Speaker 2: I heard you talk about this once. All they said
Speaker 2: is I have to receive packages from a distributor and
Speaker 2: then send them to the end user. And I asked them,
Speaker 2: why would you have to do that? Why can't the
Speaker 2: distributor send them to the end user? And there was
Speaker 2: no good excuse or explanation for that. Why because it's
Speaker 2: called the freight forwarding scam. Here's what they do. The
Speaker 2: scam involves ordering stuff on stolen credit cards or fraudulently.
Speaker 2: So they order computers or cell phones or cameras or anything.
Speaker 2: They order stuff online, they use stolen credit cards, They
Speaker 2: send the stuff to you. What could go wrong? You
Speaker 2: now package it in another box and send it out
Speaker 2: to the end user. The end user is the guy
Speaker 2: that just scammed you or the woman that just scams you.
Speaker 2: So what happens when they investigate the stolen credit card
Speaker 2: it looks like whoops. You receive stolen merchandise or merchandise
Speaker 2: purchased with stolen credit cards, and you say, wait a minute,
Speaker 2: I didn't steal this stuff. I simply had a job
Speaker 2: forwarding it to the end user. Very seldom will investigators
Speaker 2: look beyond you and they charge you. You could get arrested.
Speaker 2: It absolutely happens, and you have to be very very careful.
Speaker 2: What were you going to say to you?
Speaker 7: Oh?
Speaker 1: I was just going to say, what an old scam.
Speaker 2: Oh you've heard of it before.
Speaker 1: Oh it's been going on for many, many, many years.
Speaker 1: And yeah, so you get caught holding the bag and
Speaker 1: it's good luck trying to prove you're not the actual
Speaker 1: scammer who used the stolen credit card. Right, I have
Speaker 1: another scam if you want, just found out about a
Speaker 1: couple of days ago. If you're ahead, So your mutual
Speaker 1: our mutual friend, yours and mine kimberly up the clinic
Speaker 1: and one of their customers a few days ago reported
Speaker 1: calling the clinic and the call was actually answered by
Speaker 1: a man with a heavy Indian accent, and he said,
Speaker 1: we're very sorry about the extended whole time. In order
Speaker 1: to compensate you for it, would like to send you
Speaker 1: one hundred dollars for your time. Man. Please have your
Speaker 1: bank account where you'd like this. Yeah, yeah, or you'd
Speaker 1: like this the positive.
Speaker 2: So when you give your bank account information at a
Speaker 2: routing number, what you're doing is giving them a key
Speaker 2: to your bank.
Speaker 1: Well you may as well just hand them the cash.
Speaker 1: You're done. So the lady was smart enough to figure
Speaker 1: out it's a scam, and she reported it to Kimberly's
Speaker 1: clinic And they've been investigating this for a couple of days.
Speaker 1: And what it turned out to be. They thought their
Speaker 1: number had been hijacked by the scammers. But what it
Speaker 1: turned out to be is the lady who called the
Speaker 1: clinic accidentally put in the wrong area code and there's
Speaker 1: and it just happens to be a number set up
Speaker 1: by scammers to capture wrong number calls. And this is
Speaker 1: their scam. I mean, what are the odds?
Speaker 2: So when you call a wrong number thinking it's close
Speaker 2: enough that they pretend they're the person, they.
Speaker 1: Pretend like you've reached the right business and they'd like
Speaker 1: to get you one hundred dollars for your inconvenience for
Speaker 1: the extent a whole time.
Speaker 2: Wow, what a scam.
Speaker 1: But what are the odds these people are sitting there
Speaker 1: harvesting wrong number calls. That's a hard way to make
Speaker 1: a living.
Speaker 2: All right, I have a question for Nick that just
Speaker 2: came in on windows. It didn't just come in. It
Speaker 2: came in the other day, but I remembered I had it.
Speaker 2: Nick Gravenus with us from Gravenus Windows. Here's the question. Hey,
Speaker 2: so somebody wants to know is there really a payoff
Speaker 2: going from double pain to triple pain? Now? I haven't
Speaker 2: heard much about triple pain. Are they pretty plentiful? Are
Speaker 2: they popular?
Speaker 1: Nick? What about them?
Speaker 2: Yes?
Speaker 6: I mean, you know, it goes either way on it.
Speaker 6: You know, it's really about the setup of your house itself.
Speaker 6: You know, if we're talking, you know, an older home
Speaker 6: that has trees around and you know, maybe doesn't have
Speaker 6: insulation in the ceiling or the walls, you know, it
Speaker 6: may help more. You take a newer house and you
Speaker 6: know you have all the insulation and everything else, you know,
Speaker 6: with tons of sun exposure. I mean, it's possible to
Speaker 6: help too. But there's so many variables between a house
Speaker 6: from nineteen hundred to a twenty twenty halves.
Speaker 2: But in general, in general double to triple.
Speaker 6: They are more efficient at work. Yep, it can be, Yes,
Speaker 6: it really can be. Again, it's it's really about the
Speaker 6: setup of the house and the user and where they
Speaker 6: face and you know, all that stuff comes a factor.
Speaker 2: Okay, So as far as E what is this mirror?
Speaker 2: E mirror or what do they call it?
Speaker 6: Lowings?
Speaker 2: Low E coding? What about it?
Speaker 6: Yeah? So low massivity is what it stands for. It's
Speaker 6: it's you know, silver oxide. It's sprayed on. So it's
Speaker 6: basically almost like tenfoil for your windows that you can
Speaker 6: see through. And then it depends on how many coats
Speaker 6: of that we put on. That is how it performs
Speaker 6: as they work. That does does the coating work? Oh yeah,
Speaker 6: Loie's you know amazing, It's it's fantastic. So if you
Speaker 6: have tons of sun coming in, yeah you can. You
Speaker 6: can really get it to where it blocks the the
Speaker 6: heat out.
Speaker 2: Thank you. Danny call her Danny. You worked with Nick
Speaker 2: on a window issue. What was this window issue? Had
Speaker 2: you called me before, Danny?
Speaker 8: No, that was the first time I'd ever called you.
Speaker 2: Yeah, but that's what it was. Then what was the issue?
Speaker 8: The issue is that was the issue. They put the
Speaker 8: windows in my house, which is a passive solar house.
Speaker 6: So she had renewal by Anderson out and she had
Speaker 6: purchased windows through renewled by Anderson. She called in a
Speaker 6: couple probably about two months ago, sending some pictures. Had
Speaker 6: some moisture issues, she mold issues, dust issues. I offered,
Speaker 6: Mark got me on the area.
Speaker 2: And we and and Mark said, hey, let's go out
Speaker 2: there right and see what you find. What did you find?
Speaker 6: So she has a passive solar house. There's not many
Speaker 6: in Colorado, you know. And if you don't know what
Speaker 6: a passive solar house is, you know, especially with windows,
Speaker 6: is that you need clear glass. You want to let
Speaker 6: all the sun raise in. There's usually some source of
Speaker 6: you know, concrete clay that absorbs the heat over time
Speaker 6: throughout the day, and then that heat releases through the
Speaker 6: concrete the clay, whatever method you have, right, and it
Speaker 6: heats the home for the rest.
Speaker 2: And you can have air moving through it as well
Speaker 2: and circulate it to other parts of the house.
Speaker 6: Right. So Renewal By Anderson had sold her new doors
Speaker 6: and windows, which they installed just fine. But they gave
Speaker 6: her a glass that had the most heat reflectant coating
Speaker 6: on it, which is exactly opo, just.
Speaker 2: The opposite of what you need.
Speaker 6: Right. And so when I went up there, the first time.
Speaker 6: You know, I was up there for three hours with
Speaker 6: her and her husband went over everything again. They the
Speaker 6: installation of the windows, I think was was was was
Speaker 6: great really, I mean I think they did a killer job.
Speaker 6: But I do think they did her disservice with the
Speaker 6: glass package that they gave her. And so now their
Speaker 6: house is actually colder because they are not getting the
Speaker 6: solar game that they need for their house.
Speaker 2: Wow. So what's the solution.
Speaker 6: Well, so, unfortunately, you know, she has purchased some new
Speaker 6: windows through me with clear glass because their house is colder.
Speaker 6: I don't think renewal has been very good to them.
Speaker 2: So what is she doing with brand new renewal by
Speaker 2: Anderson windows she doesn't need.
Speaker 6: They're probably gonna go in the trash. I know she's still,
Speaker 6: I think probably working with them. But it's not the
Speaker 6: right windows for her house, right glass, I should say
Speaker 6: for her house.
Speaker 2: Well, let me ask you something. When you remove those windows,
Speaker 2: are they still intact? Are they good?
Speaker 6: They are? But they're probably custom built just like the
Speaker 6: ones I did, So they don't fit many other places
Speaker 6: unless it goes into like a rehab type situation. Yeah,
Speaker 6: it's not like a track house. No again, it's a
Speaker 6: passive solar house.
Speaker 1: That is so odd.
Speaker 6: So, I mean she's got dirt packed up on three sides.
Speaker 6: It faces southwest, all glass to help heat the home.
Speaker 6: The floor has clay tiles that come in about fifteen
Speaker 6: feet on that whole side, and that's what absorbs the
Speaker 6: heat all day and now their heat.
Speaker 2: I'm very interested in why these windows were sold to you, Danny.
Speaker 2: Did they explain to you it was going to actually
Speaker 2: keep a lot of the solar radiation out. Yeah.
Speaker 8: They told me there would be no heat coming in
Speaker 8: through the window, and I said, well.
Speaker 2: As long as the sun gets well okay, well hold on,
Speaker 2: hold on. Did you say I need heat coming through?
Speaker 9: Yeah.
Speaker 8: I told every one of them that came out here.
Speaker 8: I've had four people come out. They came.
Speaker 2: But then why did you agree? Why did you agree
Speaker 2: to purchase where they told you it would reduce the
Speaker 2: heat coming into the home.
Speaker 8: They said that the heat wouldn't come and he had
Speaker 8: a heat lamp and he said the heat wouldn't come in.
Speaker 8: I said, well, the sun has to come in and
Speaker 8: he said.
Speaker 2: Well yeah, but you know no, it's actually just the
Speaker 2: just so he told you that the heat would come
Speaker 2: through and heat the tile. Do we have that in writing? Anyway?
Speaker 2: Do you well, do you have any of these?
Speaker 6: She has a text whim stating that she needs the
Speaker 6: least amount and it's from the stuff.
Speaker 2: Where are my hearing?
Speaker 1: Is rooster?
Speaker 2: Who has a rooster?
Speaker 1: She lives in the fort? Morgan, are right?
Speaker 2: You have a rooster? Well, isn't it late for that
Speaker 2: rooster to be crowing?
Speaker 10: Yes?
Speaker 6: So the way they did Still, the whole thing is
Speaker 6: is that she kept telling him she has a passive
Speaker 6: solar house and kept saying that she needs the heat
Speaker 6: to come in, and they kept saying basically yeah, yeah,
Speaker 6: And I don't think they understood what a passive solar
Speaker 6: house was. And I think they just kind of gave
Speaker 6: him the standard blast package from all the documentation I've.
Speaker 2: Seen, Hey, is that is that one of my honesty?
Speaker 11: God?
Speaker 5: Honestly, God, that is a real rooster that she's got several, Yeah,
Speaker 5: she's got several. Now, I swear I was darty.
Speaker 2: I could not stand that noise all day. We can only.
Speaker 1: Hey, yes, I have a suggestion that Danny might want
Speaker 1: to consider.
Speaker 2: Are you kidding me? That thing is really growing that much?
Speaker 1: Is he in the house?
Speaker 8: Because I don't have any service in out.
Speaker 1: Oh you're outside by the roosters. So Tom, would it
Speaker 1: sounds if she has this in writing, if there's a
Speaker 1: chain of communications where she located that she needs the
Speaker 1: sun heat to come into the house and they knew it, and.
Speaker 2: It's the misrepresentation, it could be called fraud in the inducement.
Speaker 2: If she can prove.
Speaker 1: It, I would call it something else. There's another concept
Speaker 1: called warranty of merchant ability.
Speaker 2: Yeah, but no, and I'm going to tell you will
Speaker 2: You're be wrong, really because those windows are doing exactly
Speaker 2: what they're advertised to do.
Speaker 1: Well, but they're doing the opposite of what.
Speaker 2: She But that's not the warranty. The warranty is what's
Speaker 2: in writing. Warranty of merchant ability is that window has
Speaker 2: to do what is set up to do. Let me
Speaker 2: give you an example. You buy a television and the
Speaker 2: television is purchased as it is, Yeah, as is where is?
Speaker 1: Yeah?
Speaker 2: You pay fifty bucks for what should be eight hundred
Speaker 2: dollars TV, and.
Speaker 1: It turns out I can't watch Baywatch on No.
Speaker 2: It turns out that the TV is filled with it's
Speaker 2: a planter, it's filled with the rocks, and soil. And
Speaker 2: they say, oh, this is a planter. Now, merchant of
Speaker 2: a warranty of merchant ability is it's sold as a TV.
Speaker 2: It's a TV, it has the appearance of a TV.
Speaker 2: It has to be a TV. Okay, so a car
Speaker 2: can't be a planter. That's a really exaggerated thing. But
Speaker 2: if a window does exactly what it's sold to do,
Speaker 2: there's no merchant there's you're talking about breach of contract.
Speaker 2: But that's a verbal contract or a text contract, which
Speaker 2: I'm getting at fraud and the inducement they induced you
Speaker 2: to sign a contract based on false premise, and that
Speaker 2: is that that is the thing you go after them with.
Speaker 2: And I would how much did you spend for on
Speaker 2: those windows? Did they all have to be replaced? Nick?
Speaker 2: Or just some of them? So I can't stand those
Speaker 2: These rusts are driving me crazy. I'm just kidding. Hold exmple,
Speaker 2: I want to talk about that. Coming back. We got
Speaker 2: more coming up. Get your calls in if you need help,
Speaker 2: Let's try to help you too. Three oh three seven
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Speaker 2: sixteen twenty two. All right, I'm Tom Martino. Welcome to
Speaker 2: the show. We've been talking to this woman who's inundated
Speaker 2: with roosters and you hear them in the background. People
Speaker 2: thought I was playing sound effects and I wasn't. But
Speaker 2: I'll tell you what that's irritating. Now three all three,
Speaker 2: seven to one three talk. If you just tuned in,
Speaker 2: we are talking about roosters. So you can't call the
Speaker 2: FAA or FCC. Sorry. Anyway, I'm so used to flying,
Speaker 2: I say faa. Hey. Speaking of that, there were some
Speaker 2: people out in Mark's neck of the woods trying to
Speaker 2: get me in trouble for flying around and landing there. No,
Speaker 2: they weren't. Were they complaining, not at all?
Speaker 6: Man.
Speaker 5: Oh, I just want to know why they were a
Speaker 5: black helicopter flying around, that's all.
Speaker 2: Yeah, And it sent some people off the edge that
Speaker 2: were a little schizoid anyway, So anyway, I want to
Speaker 2: ask you something, and I'm going to go back to
Speaker 2: this problem, but what do you think? What do you
Speaker 2: think in the top five top five areas in the States,
Speaker 2: in the country or district district of Columbia. To buy
Speaker 2: a home in the District of Columbia, it requires an
Speaker 2: income or combined income who's ever borrowing of two hundred
Speaker 2: forty thousand dollars in DC two hundred and forty thousand dollars.
Speaker 2: I would think Manhattan costs more. No, Manhattan's not in
Speaker 2: the top five. Hawaii's number two with two hundred and
Speaker 2: thirty five thousand, six hundred dollars. California is two hundred
Speaker 2: and thirteen, Massachusetts one hundred and seventy four thousand, and
Speaker 2: guess who's number five? An income to own a home Denver, Colorado, Colorado? Yeah,
Speaker 2: but like where Vail Aspen? Where? I mean, what does
Speaker 2: that mean? It says Here's what it says. It says
Speaker 2: the average home. Wow, No, it says typical home one
Speaker 2: hundred in Colorado. You need an income of one hundred
Speaker 2: and sixty eight thousand dollars for a typical home. Well,
Speaker 2: so what the hell is a typical home? Let's find
Speaker 2: out what a typical home is. Home is what.
Speaker 5: Twenty five hundred square foot, three bath, three bedroom?
Speaker 2: Yes, how do you know that? How did you know that?
Speaker 2: How did you know that?
Speaker 5: It's like every house in Red Hawk, every house and
Speaker 5: Highlands Ranch, every house everywhere.
Speaker 2: So the least amount of money to buy a house
Speaker 2: would be in West Virginia. How much you only need
Speaker 2: sixty four thousand dollars. I'm packing up the wife and
Speaker 2: the dogs and moving to Virginia. Think about that, man,
Speaker 2: that doesn't that's not a lot of money you could buy.
Speaker 2: I bet you could buy a mansion there for like
Speaker 2: four hundred thousand. Yeah. Probably. But so who wants to
Speaker 2: go to West Virginia? I mean, what is West Virginia like?
Speaker 2: I mean, it doesn't seem like it's a bad place.
Speaker 5: Isn't there there isn't that that John Denver song or
Speaker 5: No West Virginia?
Speaker 2: Yeah? Wait, wait, wait, wait wait Mountain Mama, let's talk
Speaker 2: about And then he talks about the Rockies too. But
Speaker 2: I'm trying to figure out what do I know about
Speaker 2: West Virginia. Oh, you got a pretty mouthful. Okay, we
Speaker 2: better get off of this subject. Three all three, seven, one, three, eight,
Speaker 2: two five five. Let's go back to the phones. Danny, Danny,
Speaker 2: I would let me turn that off? Okay, Danny. By
Speaker 2: the way, did you quiet down your roosters?
Speaker 12: No?
Speaker 2: Okay, By the way, this is pretty cool, Danny. You're
Speaker 2: out in the country, right and you have roosters. What
Speaker 2: else do you have out there?
Speaker 8: Mini Jersey milk pals and some turkeys?
Speaker 2: No?
Speaker 1: Fooling.
Speaker 2: Which that turkey is it? What's that mark?
Speaker 1: She said?
Speaker 2: A mini jersey cow? Yeah? Yeah, they're cool. Oh there
Speaker 2: have you ever seen a mark? They're great? I didn't,
Speaker 2: did you? Did you? Do you use them for milk?
Speaker 2: They're very cute. They're not small. They're not that small.
Speaker 8: Though, well half the size of a normal jersey.
Speaker 2: Yeah, but jerseys are big. So when people hear mini
Speaker 2: they're thinking like Minnie and they're they're not. They come
Speaker 2: up to your chest right the back, their back line
Speaker 2: comes up to your maybe you're the top of your belly.
Speaker 8: Oh yeah.
Speaker 2: Are they just for milking or what are they used for? Generally?
Speaker 2: Show and milking? And and some people they're a hobby,
Speaker 2: are they?
Speaker 8: Yeah?
Speaker 6: I thought so, really.
Speaker 8: Really and that gets in the meat tastes really good.
Speaker 2: Now do you do you do? Uh? Do you slaughter
Speaker 2: any of them? You know? Farmers have a whole different
Speaker 2: attitude about life and and and slaughter, Like like your roosters,
Speaker 2: what are roosters for? Do you eat roosters or do
Speaker 2: you eat chickens?
Speaker 8: We eat roosters, not chickens.
Speaker 2: Now are roosters chickens? Are they the same? I don't
Speaker 2: know anything I don't know anything about chickens. So hens
Speaker 2: and roosters. Are they both the same when it comes
Speaker 2: to meat content?
Speaker 8: No, the roosters are bigger. That's why we eat roosters.
Speaker 5: You got the hen. Okay, the chicken and the rooster.
Speaker 5: What's the difference between then and the chicken. Chickens are
Speaker 5: both roosters and hens. Mark, Chickens come like humans are
Speaker 5: male and female.
Speaker 2: I'm okay. So, so you got hens and roosters. Now
Speaker 2: do you have any trans roosters?
Speaker 8: Nope? Never seen.
Speaker 2: Okay, Hey Dan Danny, I want to ask something seriously,
Speaker 2: do you really have a text from this place that
Speaker 2: sold you these windows?
Speaker 6: Hey, Tom, I talk about I have a text. If
Speaker 6: you want me to read.
Speaker 2: It, read it, tech Nick read it.
Speaker 6: So this is between her and a representative, and okay,
Speaker 6: she says, I'm concerned. I was at my sister's house
Speaker 6: today and there was no heat coming in at all
Speaker 6: from the sun, because I believe her sister had windows
Speaker 6: done by them. The guy that came to measure said
Speaker 6: Anderson has different glasses and that he would put a
Speaker 6: note that we want the one that lets the sun
Speaker 6: still heat. The want the one that lets the sun
Speaker 6: still heat. I thought I might double check, since our
Speaker 6: house gets mostly heated by the sun and the winter.
Speaker 6: We still haven't had to heat our house at all
Speaker 6: this year. And he replies, Hi, they are being built.
Speaker 6: As far as the heat gain, you will get some,
Speaker 6: especially in the winter when the sun is closer to
Speaker 6: the horizon. Due to government regulates for energy efficiency, we
Speaker 6: can't build a window that allows as much heat gain
Speaker 6: through yours as yours do now, which I don't know
Speaker 6: about that regulation.
Speaker 2: Well, I see, see, Nick, I don't find anything in
Speaker 2: error in what he's saying in that text. He's really
Speaker 2: covering his ass.
Speaker 6: Well, let's see. I hope that the guy that came
Speaker 6: to measure didn't set the expectation. Your door will be
Speaker 6: way more energy efficient than your current syle facing windows.
Speaker 6: So the great news is you still get tons of
Speaker 6: solar gain from those windows. High will heat your tiles
Speaker 6: and help okay your home.
Speaker 2: If she goes she goes to court on this or
Speaker 2: small claim, even small claims, guard how much did you
Speaker 2: spend on those windows, Danny.
Speaker 8: They're adding interest now, so we're almost at forty thousand dollars.
Speaker 6: Yeah, they're not.
Speaker 2: Working with her all when you say adding interest. Wait
Speaker 2: when you say adding interest, Danny, did you pay anything
Speaker 2: out of pocket yet?
Speaker 8: No, I refuse to pay.
Speaker 2: She financed it through whatever company they use, green Sky.
Speaker 2: Green did you take a second on your house to
Speaker 2: finance Danny?
Speaker 6: No, No, it's the Green Sky. She did a program
Speaker 6: to them. But the other thing that's weird is that
Speaker 6: they pulled the money without her approval, so they put
Speaker 6: the loan through you sure of that? Well? I mean
Speaker 6: the contract reads weird where basically it says.
Speaker 2: Can we mention the company? Who is it?
Speaker 6: It's renewed by Anderson?
Speaker 8: And green Sky keeps telling it sounds like you're going
Speaker 8: to get your day in court from green Sky.
Speaker 5: I mean, if you never approved the money, they might
Speaker 5: be able to yank it from you know, the window
Speaker 5: company renewal.
Speaker 2: I think, I think, why have to take a break first, Shannon?
Speaker 2: Am I late? Shannon?
Speaker 1: Yes?
Speaker 2: All right, let me take this break and come right back. Frank,
Speaker 2: you hang on there too. I want to hear from you.
Speaker 2: We got more coming up. Go with a sure thing
Speaker 2: Denver's Best roofer Excel roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check
Speaker 2: up free, no obligation. In comparison, call Compass insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three all three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate man dot com to list your
Speaker 2: home with Remax Alliance three all three nine two zero
Speaker 2: sixteen twenty two.
Speaker 1: Demitri.
Speaker 2: Hey, I'm Tom Martino here. I want to go back
Speaker 2: to Danny, but first Frank, let's just get Frank in
Speaker 2: here because he has a quick comment. Go ahead, Frank,
Speaker 2: Welcome to the show. I'm Tom Martino. Thank you very much.
Speaker 10: Listen a quick shout out to one of your guests there,
Speaker 10: Nick Grena. Gervina's installed windows and two sliding doors in
Speaker 10: my house back in two thousand and nine, and I
Speaker 10: had a seal fail in the eight foot slider. They
Speaker 10: just replaced it under warranty and Brian did a fantastic job. Nick,
Speaker 10: so he did a great job.
Speaker 1: Thank you.
Speaker 10: I will use even it was sixteen years ago and
Speaker 10: I thought, well, I'm not going to get a window
Speaker 10: replace or a door replace, but they certainly did it.
Speaker 10: So when I need them in the future. I will
Speaker 10: use them in the future.
Speaker 5: Hey, I'm glad that's Gravenus nine to fifty West Evans
Speaker 5: appreciate it. They literally put a sliding door in for
Speaker 5: us yesterday.
Speaker 2: What kind of warranty does that have.
Speaker 6: Nick, I mean the manufacturer gives you a lifetime limits
Speaker 6: of warrantines.
Speaker 10: Wow, yes, it was all sides.
Speaker 6: So yeah, so all side covered?
Speaker 2: Is we put it in yesterday. Your warranty is over.
Speaker 2: That's it. That's a beautiful Now that's some companies.
Speaker 10: Quick quick thing, if I can say real quick. I'd
Speaker 10: listened to your show for obviously many many years.
Speaker 11: And one of the reasons, thank you is Gradina's back
Speaker 11: in nine.
Speaker 10: Was because of you and your recommendation. And yeah, is
Speaker 10: your sister Gina she is, Yes, Yeah, Gina did one
Speaker 10: on my.
Speaker 11: Home back in two thousand and nine.
Speaker 6: Nice.
Speaker 2: Yeah, But anyhow know that Gina. Did you know that
Speaker 2: Gina was studying Gina was studying media and she was
Speaker 2: one she was an intern of mine. Yep, Oh really
Speaker 2: I didn't know. Oh yeah, she was a young woman.
Speaker 2: She was so cute. She was going to college and
Speaker 2: she did her internship with me and I taught her
Speaker 2: the right way, of course. Anyway, So then Gina, of
Speaker 2: course she gets drafted into the family business and and really,
Speaker 2: if you think about it, probably making way more than
Speaker 2: she would in broadcasting. You know, broadcasting has two flavors,
Speaker 2: low low low pay and high high high pay, and
Speaker 2: neither of them are fair. So anyway, can I add
Speaker 2: one more thing? But there's a yes, go ahead, the
Speaker 2: only thing, and then.
Speaker 10: I'll let you guys go for your listeners. You guys
Speaker 10: vet your vendors, and I've been listening to show your
Speaker 10: show for twenty or twenty five years and when you
Speaker 10: you venom, they are absolutely reliable and you can thank
Speaker 10: you so just want you guys, you know that, and
Speaker 10: I appreciate it.
Speaker 2: Thanks man. Now we made okay, thank you, bro. We
Speaker 2: made one mistake. It wasn't a mistake in the beginning,
Speaker 2: but it turned out to be a mistake because he
Speaker 2: started getting weak and we didn't catch it immediately, but
Speaker 2: we caught it pretty damn soon. You know how I'm
Speaker 2: talking about Mark? Yeah, I'd say two mistakes. That was
Speaker 2: solar Mark, yes, right. The other the other what happened
Speaker 2: was they were really they were really strong, and I
Speaker 2: believe the guy meant to do well and then somehow
Speaker 2: I think he got into that. Then he got into
Speaker 2: the some financial trouble. So it wasn't like he was
Speaker 2: a cheater. What's the number two mistake we made?
Speaker 5: Mark that damn fake stem cells, son of a bitch.
Speaker 2: Oh my god, you're right, But let's let's put this
Speaker 2: in perspective. The stem cell industry was completely new, so
Speaker 2: when they talked about stem cell therapy, I didn't know
Speaker 2: it from Adam and I did research, and even the
Speaker 2: research was wrong in other words, not wrong, but there
Speaker 2: was enough on Google to support the false premise that
Speaker 2: that umbilical cord blood contains stem cells and you could
Speaker 2: ship them across the country and derive stem cells from them,
Speaker 2: and when it turns out that's right. So it turns
Speaker 2: out that while these fluids do have stem cells, in
Speaker 2: order to ship stem cells, they have to be condensed,
Speaker 2: and you can't condense them under FDA approval because FDA
Speaker 2: says once you condense and manipulate them, they become a drug,
Speaker 2: so you can't do that. So the only way to
Speaker 2: ship stem cells would be in their raw form, and
Speaker 2: when they get to the to the point where they're
Speaker 2: going to be used. It turns out to be ineffective.
Speaker 2: In fact, one or two will live out of billions.
Speaker 2: So the one who discovered and exposed it was Centeno.
Speaker 2: I had doctor Centeno, Chris Centeno. And then what happened
Speaker 2: was they told me Tom, go with a sure thing
Speaker 2: Denver's best roofer Excel Roofing dot com. You don't pay
Speaker 2: a cent until you're content. Time for an insurance check
Speaker 2: up free, no obligation. In comparison, call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three oh three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. Hi Tom Martino, here, what you're ready to.
Speaker 5: I was ready to jump in. I didn't know what
Speaker 5: happened there to you?
Speaker 2: You are many, He's Mark. I love Mark on the
Speaker 2: ready man. Move that corpse out of the way. We're ready.
Speaker 2: Take Tom out feet first, and then he says, call
Speaker 2: the corner. I'm up anyway, Just kidding three O three
Speaker 2: seven one, three eight five had Nick Gravin is our
Speaker 2: guest Major Mark Major of course in the studio with
Speaker 2: our guest and Mark, what I want to ask you
Speaker 2: yes when it comes to this solo, because Mark has
Speaker 2: a good mind for attacking problem.
Speaker 5: I think as much as Anderson charges for their product
Speaker 5: and what their charge and what their product is, and
Speaker 5: we haven't got a lot of really complaints on him
Speaker 5: over the years, we simply have for as large as
Speaker 5: the cord windows, I think they dropped a ball on this.
Speaker 2: They got enough money to where they should have just
Speaker 2: made this right.
Speaker 5: In my opinion, I think, yeah, someone she's going to
Speaker 5: end up taking them to court.
Speaker 2: Unfortunately, because I'm going to give this to me, I'm
Speaker 2: going to give this to Deputy d because you feel
Speaker 2: strongly about what the merchant of worn, well, what was it?
Speaker 2: None of that's going to matter the people that are
Speaker 2: going to come after. So hold on, wait, wait, we're
Speaker 2: running out of time. We'll come back. Go with a
Speaker 2: sure thing Denvers best Roofer excel roofing dot com. You
Speaker 2: don't pay a cent until you're content. Time for an
Speaker 2: insurance check up free, no obligation. In comparison, call Compass Insurance,
Speaker 2: pay too much your coverage at dozens of insurance companies.
Speaker 2: Find out now three oh three seven seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: durand the real estate Man dot Com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two.
Speaker 6: Ripped.
Speaker 1: News who you don't have the.
Speaker 3: Runous came, no shoot us, gonna help come thing.
Speaker 2: This is the Troubleshooter Show.
Speaker 4: No Tom Martino, Hey Tom Martino here, welcome to the show.
Speaker 2: Here to help you solve problems, answer questions, say complaints.
Speaker 2: Let me set the stage. Deputy d and Deputy Bow
Speaker 2: with me at the Mother Show, well the satellite ship.
Speaker 2: And then we have market the Mothership with Nick Gravina
Speaker 2: from Gravino Windows Siding Doors nine to fifty West Evans.
Speaker 2: So let's talk about things on your mind, things we
Speaker 2: can help you with. And we've had quite a spirited
Speaker 2: discussion on this window thing, and actually it's way bigger
Speaker 2: than windows. And let me tell you why. Many many
Speaker 2: times when we get calls on this show, they purchased
Speaker 2: what they purchased and they got what they purchased but
Speaker 2: there were promises or comments made outside of the contract,
Speaker 2: and the question is what happens then if it doesn't
Speaker 2: measure up to the comments or promises. Well, there's a
Speaker 2: few principles of law here. One primary one would be
Speaker 2: called fraud in the inducement. Now it's a little complicated
Speaker 2: to explain, but I think you induced you to sign
Speaker 2: a contract based on fraud or what is fraud? A lie? Possibly? Right?
Speaker 2: So in other words, what constitutes fraud in the inducement?
Speaker 2: Obviously you would have to prove it right in the inducement?
Speaker 2: So how would you prove it? I think a text
Speaker 2: message would be pretty good proof right now, according to
Speaker 2: the cases we've had in the past. Again, I don't
Speaker 2: practice law, don't pretend to, but it's deception used to
Speaker 2: persuade someone into an agreement. And even though it's not
Speaker 2: mentioned in the agreement, it is a misrepresentation of a
Speaker 2: material fact. So it has to be a false representation
Speaker 2: made and it must be a material fact. Well, in
Speaker 2: this case, the woman purchased new windows for her home
Speaker 2: to the tune of forty grand and that those windows
Speaker 2: did not let through enough solar energy, and she specifically
Speaker 2: wanted ones in a passive solar home to pass through
Speaker 2: solar energy. She got just the opposite. Now, they're good windows,
Speaker 2: but in her case they actually made her home less efficient.
Speaker 2: So that is a material fact. Now the person making
Speaker 2: that material statement, that false statement, must listen to this,
Speaker 2: must know it's false. If they honestly believe what they're saying,
Speaker 2: guess what, it may not rise to the level of fraud.
Speaker 2: And now the other thing is that the buyer must
Speaker 2: rely on it. And that's the reason the buyer decided
Speaker 2: to go through with the contract, And specifically that text
Speaker 2: was specifically dealing with the solar energy from these windows.
Speaker 2: So then the next is they relied on it and
Speaker 2: signed the contract. The key element of fraud here is
Speaker 2: not about the contract itself being fake. Every aspect of
Speaker 2: the contract could be true, and it could be exactly
Speaker 2: what she purchased, but it is the tricking of someone
Speaker 2: to sign it. So if someone says, hey, this car
Speaker 2: has never been in an accident, but it really was,
Speaker 2: and you buy it. But the contract has a contract
Speaker 2: for a car as is nineteen or twenty eighteen or whatever,
Speaker 2: the contract's not false. But there was fraud in the inducement. Now, listen,
Speaker 2: usually you convoid that contract and in some cases even
Speaker 2: have damages. What were you going to say, Dimitri, what
Speaker 2: do you think? Oh?
Speaker 1: Well, I think that the Rooster lady who called us
Speaker 1: has an even bigger problem, which is.
Speaker 2: The Russ lady is the one who bought those windows
Speaker 2: from Renewal by Anderson thinking they were going to help her,
Speaker 2: when in actually they were in her case with a
Speaker 2: passive solar home where not that it was not what
Speaker 2: she needed.
Speaker 1: Well, tell, let's not lose to the fact that I
Speaker 1: think she's facing a much bigger issue than the wrong windows,
Speaker 1: which is she's not making payments to the finance company.
Speaker 1: So regardless of the point, regardless of how these windows
Speaker 1: worked out to her, they're gonna come after her for
Speaker 1: forty thousand plus costs.
Speaker 2: Well, especially if it's an independent loan company.
Speaker 1: Yeah, they can say no, it is time, and it's
Speaker 1: and and so Kelly is trying to reach Neil Hollington
Speaker 1: from Hollington Law down in Parker and mister Hollington has
Speaker 1: been a great resource for us in the past. He's
Speaker 1: very knowledgeable. All he does is he practice practices this
Speaker 1: very narrow area of law that dealing with contractors. So
Speaker 1: it'd be great if he has time to come on
Speaker 1: and weigh in on this topic and see if maybe
Speaker 1: the Rooster Lady is an appropriate client for him, and
Speaker 1: I mean Rooster Lady respectfully. I just forgot her name.
Speaker 2: Yeah, well it'll be her name?
Speaker 6: Is Danny?
Speaker 2: Better than call? Never mind, I'm not going to go there.
Speaker 2: Be better than calling.
Speaker 1: I know what you were going to say to No, No,
Speaker 1: I'm not Let's not do that.
Speaker 2: You having a question for Nick Gravina, go ahead, and
Speaker 2: then we have to go to Don. In fact, let's
Speaker 2: go keep that on home. I'm going to go to
Speaker 2: Don first. Callers always get priority. Don go ahead, head,
Speaker 2: what's going on with you? Don?
Speaker 13: I have a problem with the Bunyan Chure Center. They
Speaker 13: did some surger around my.
Speaker 2: Bunyan Cure Center. May I ask if you if you
Speaker 2: have uh a podiatrist or an MD.
Speaker 13: Now it looks like it.
Speaker 2: Not all podiatrists. Not all potiatrists are mds. They go
Speaker 2: to a special school, much more limited and they can't
Speaker 2: go beyond the foot. So in your case, when you
Speaker 2: went to this Bunyan center, is this did you get
Speaker 2: treated by a podiatrist or an MD?
Speaker 13: It's yeah, a doctor of pyliatric Medicine. It says Board.
Speaker 2: Certified Podiatric of Podiatric Medicine. Yes, yeah, so it's a podieatris. Again,
Speaker 2: they are medical doctors, but only for the ankle and foot.
Speaker 2: They are licensed physicians. They can perform surgeries, they can
Speaker 2: preside medication, and they can do imaging and tests and
Speaker 2: treat injuries and deformities of the feet and ankles. They're
Speaker 2: called DPMs. Okay, so now what is your problem with
Speaker 2: this center?
Speaker 13: Well, I had my big toe was crooked and it
Speaker 13: was you know, my second toe was sticking up, and
Speaker 13: I went down okay, said that they could do the procedure.
Speaker 2: And now what procedure did they say they could do?
Speaker 13: Well, they said they could straighten out my toes and
Speaker 13: make everything you know, aligned and back the.
Speaker 2: Way it's full and what would What did you tell
Speaker 2: me was the formal name of this place.
Speaker 13: It's called the Bunyan Cure. It's on coal Mine Road, yes.
Speaker 2: In Littleton. Okay, Now what happened? What went wrong?
Speaker 13: Well, they did that, they broke my toes and lined
Speaker 13: them up and it's like it was doing okay, And
Speaker 13: now like six or eight months later my right toe,
Speaker 13: my big toes grown back to the right, and all
Speaker 13: my toes are all sticking up and in that really.
Speaker 5: Bad major tobro sideways. I guess I knew. I thought
Speaker 5: a bunyan was like like a like a ward or something.
Speaker 2: What is a bunyan? Well, okay, but but Mark, I
Speaker 2: understand this. It the bunyon itself is on the side
Speaker 2: of a foot, on the left or right, and it
Speaker 2: is a malformation of the joint. Now what or not?
Speaker 2: Not actually of the joint, but it's like a big
Speaker 2: giant piece of arthritis for lack of a better term.
Speaker 2: You know, it's it's an amazing growth. But was your
Speaker 2: Here's what I want to know, though, Were your crooked?
Speaker 2: Were your crooked toes a result of a bunion?
Speaker 13: That's what they said, because the point did they did
Speaker 13: they put a rod in your foot?
Speaker 2: Did they put a rod in your foot?
Speaker 1: Yes?
Speaker 2: Okay? Then and did they actually shave off the bunion itself?
Speaker 1: Yes? Okay?
Speaker 2: And so it did not hold. That's what I don't understand.
Speaker 2: What did First of all, let me ask you this, Okay,
Speaker 2: I have no reason to believe that you're dealing with quacks.
Speaker 2: So what did they say, when you said, hey, it
Speaker 2: did not hold, you must have gone back to them.
Speaker 13: Yes, And then they said, well, sorry, it's because of
Speaker 13: your nerves and your stuff in your foot, and now
Speaker 13: my right foot is worse now than it was before.
Speaker 2: And now did you both be done?
Speaker 1: It was come up?
Speaker 13: Yes?
Speaker 2: And is only the right foot? Is only the right
Speaker 2: foot worse? Or did they both? Did they both revert
Speaker 2: back to a bad condition?
Speaker 13: Now my left foot is still okay, except for my
Speaker 13: toe is like it looks like it's really big and purple.
Speaker 13: But my right foot is the one that was the
Speaker 13: major issue, and now it's worse than it was because
Speaker 13: my toes are like done.
Speaker 2: My question is this My question is this, is this
Speaker 2: condition on your right foot the same as you had
Speaker 2: before but worse or is it a different condition?
Speaker 13: It's worse than it was before. It's a little and
Speaker 13: it just seems like it's a little bit different.
Speaker 2: Okay. Is it possible that they're telling the truth that hey,
Speaker 2: we can't help it. Your nerves are such that it
Speaker 2: brought back the condition. I don't understand how it could
Speaker 2: come back if they put a rod in your foot.
Speaker 13: Right and they're saying that they're telling me that they
Speaker 13: explained to me all this information and I have all
Speaker 13: the paperwork confronted me and it has nothing to do
Speaker 13: with it. It costs me twenty five thousand dollars.
Speaker 2: Did your insurance pay for it?
Speaker 13: My insurance paid some of it, Jesus.
Speaker 2: And how long did it take for it to come back?
Speaker 2: A year?
Speaker 13: A little bit last, probably eight months or so. So
Speaker 13: I talked to him today and I sent him pictures
Speaker 13: of my toe or my feet, and they're like blowing
Speaker 13: me off and they don't care.
Speaker 2: Let's put deputy doc on a phone call Mark. I
Speaker 2: looked up this. I looked this up and it said
Speaker 2: there are several reasons why these issues come back even
Speaker 2: after the rod placement and successful surgery, and they're not
Speaker 2: always due to a mistake. According to my boyfriend, there
Speaker 2: are underlying foot mechanics that can cause it to come back,
Speaker 2: including nerve conditions and Achilles tendons. I mean, it's very possible.
Speaker 2: I don't know how to put this, but it's very possible.
Speaker 2: But they that.
Speaker 13: Rod out, yes, when they said my toe is pine.
Speaker 13: They took the rod out like six months ago and
Speaker 13: they said, hey, everything's good, and they pulled the rods out.
Speaker 2: Are the rods meant to come out? Did they take
Speaker 2: the rods out of both feet?
Speaker 13: Yes?
Speaker 2: Is that normal?
Speaker 13: Out of both toes? Huh?
Speaker 2: Is it normal?
Speaker 14: I guess.
Speaker 13: So that's what they told me. They said, Hey, the
Speaker 13: toes doing good, it's healing. We're going to pull the
Speaker 13: rods out. And they pulled the rods out. And then
Speaker 13: once they pulled the rods out, then my toes started
Speaker 13: doing the same thing they did before.
Speaker 2: Okay, again, looking this up on a website for medical issues,
Speaker 2: it says that any of these rods or pins are
Speaker 2: meant to be term temporary, but there are some that
Speaker 2: are permanent. So listen, I let me just explain something
Speaker 2: to your bottom line here. In order for this to
Speaker 2: be malpractice it would have to be a condition that
Speaker 2: was caused by them or their inadequacy to do the
Speaker 2: procedure correctly. Do you believe that's it or do you
Speaker 2: believe that possibly you just have a complicated foot issue.
Speaker 13: Yes, that's probably true. But I'm not trying to get mountpracticed.
Speaker 13: I just want them to help me.
Speaker 2: Okay, now that is fair. Don are when you say
Speaker 2: when you say you're looking for them to help you
Speaker 2: my question, are you looking okay? No? But are you
Speaker 2: looking for maybe a discount going forward? No?
Speaker 13: I just want them to fix it and help me,
Speaker 13: but they're blowing me off.
Speaker 2: Wait a minute, you can't even get a follow up
Speaker 2: visit just to help you.
Speaker 5: Why not find another doctor at this point? If you
Speaker 5: do have medical insurance, why not why not find somebody better?
Speaker 2: Don? Well, first of all, Mark, I don't believe he
Speaker 2: said insurance. Else are you on Medicare? I'm just asking
Speaker 2: because you sound older?
Speaker 12: Are you?
Speaker 13: I'm on Medicare and I'm on Medicare and I have
Speaker 13: segment and they paid an only nine of this?
Speaker 6: Yeah?
Speaker 2: Bo, Bo had a question?
Speaker 13: Go ahead, boy?
Speaker 1: So Don, did you get a hold of that money?
Speaker 2: Yeah?
Speaker 15: Don?
Speaker 2: Did I understand that?
Speaker 15: Did you get hold of doctor Jordan's Sullivan He seems
Speaker 15: to be the managing partner of this Bunyan care center.
Speaker 15: Did you get a hold of him?
Speaker 2: Yes?
Speaker 13: He did, Yes, I I texted him, I send him
Speaker 13: pictures of my thing. And then that doctor Sullivan, I
Speaker 13: talked to the owner, whatever his name is.
Speaker 2: Yeah, Michael, here's what I Here's what I'm thinking. Why
Speaker 2: don't we call over there now? Obviously they will not
Speaker 2: talk to us about the call, but we can call
Speaker 2: and say, look at you're you know, we understand. Here's
Speaker 2: what we say. We understand you can't talk to us
Speaker 2: about this specific case, but we want you to know
Speaker 2: that your client or your patient did contact us and
Speaker 2: they're concerned that you won't do follow up care. And
Speaker 2: before we take this to another level, we want we
Speaker 2: are asking you to reach out to your client. Bo,
Speaker 2: you could do that.
Speaker 1: I could.
Speaker 13: I talked to the doctor and he and said he
Speaker 13: couldn't hear me. He said he couldn't hear me, and
Speaker 13: he hung.
Speaker 14: Up on me.
Speaker 2: And then all right, we're gonna make sure he does
Speaker 2: hear you. Let's just put it that way. We're gonna
Speaker 2: make sure he does hear you. I didn't take the fifth,
Speaker 2: did I? Shannon? All right, I gotta take this break. Bo.
Speaker 2: Let's talk to him off the here and get this done.
Speaker 2: I'm Tom Martino more coming up. Go with a sure
Speaker 2: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free, no obligation. In comparison, call Compass insurance
Speaker 2: paying too much your coverage at dozens of insurance companies.
Speaker 2: Find Out Now three oh three, seven to seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate Man dot Com to
Speaker 2: list your home with Remax Alliance three oh three nine
Speaker 2: two zero sixteen twenty two. Tom Martino here three three
Speaker 2: seven one three talks seven one three eight two five five.
Speaker 2: Let's continue where we were. Who wanted to say something?
Speaker 2: I guess I guess the deputy Bow wanted to say
Speaker 2: something to Don about the foot doctor. But we we
Speaker 2: are going to call over there and light a fire.
Speaker 2: But what issue did you want to bring up about that? Bow?
Speaker 11: Oh?
Speaker 1: I looked it up.
Speaker 15: It seems like this Bunyan Cure Center has almost a
Speaker 15: five star review.
Speaker 1: It seemed like they're a pretty good outfit. But as
Speaker 1: soon as Kelly gets me the.
Speaker 15: Uh last name, I will call over there and then
Speaker 15: add a question for Nick Gravina regarding the run right.
Speaker 2: So Don hang on and we will be in touch
Speaker 2: with you and get close to your mind, please, okay?
Speaker 2: So then go ahead for Nick, Nick, have a.
Speaker 15: Question on d Dana that you went on the rooster
Speaker 15: Lady d Now.
Speaker 2: The Rooster Lady is the one that had windows installed,
Speaker 2: and she was promised it would let enough solar radiation
Speaker 2: into her home so her passive solar home would still
Speaker 2: be operational. As it turns out, it really cut down
Speaker 2: on the efficiency of her home and it did not
Speaker 2: let solar radiation through as they promised.
Speaker 15: Go ahead, right, So Nick, in case she can't get
Speaker 15: a resolution with renewal by Anderson, is it possible just
Speaker 15: to replace the pane of glass that would be so expensive?
Speaker 2: Well? I don't know, but Nick, go ahead. If she
Speaker 2: wanted to go around that house, well, they already replaced
Speaker 2: the windows. I'm sure Nick would have looked at other options.
Speaker 2: But Nick, what is the practicality of doing away with
Speaker 2: that lowy? You know, to do a new pane of window?
Speaker 6: Yeah, I mean you know you could switch out the glass.
Speaker 6: That's what I told her I would do if I
Speaker 6: was in the situation. You know, if my salesman will
Speaker 6: you would hold on you.
Speaker 2: You're talking about replacing the actual insulated glass unit, the IGU,
Speaker 2: the whole unit.
Speaker 1: Yep?
Speaker 2: Can you do that efficiently? Can you do that for
Speaker 2: cost efficiency?
Speaker 6: We do it all the time. We just did it
Speaker 6: with the guy that called in earlier.
Speaker 2: Frank, really explain how that works, because I'm fascinating by that.
Speaker 2: Go ahead.
Speaker 6: So we just did it at Mark's house yesterday as well.
Speaker 6: I mean, he had one above his door that failed
Speaker 6: unit in it. And most glasses just sealed to the frame.
Speaker 6: If it's wood, if it's fiberglass, if it's vinyl. There's
Speaker 6: some that are trapped in the sash farm, few in between,
Speaker 6: but there are some I'm not too familiar with the
Speaker 6: renewal product if they are. But most of the stuff
Speaker 6: we sell our vinyl, fiberglass and wood windows can all
Speaker 6: be the glass can all be removed for warranty issues
Speaker 6: and reset back in the existing frame.
Speaker 2: Okay, So had she done the IGU replacement the insulated
Speaker 2: glass unit, And the reason I say that is because
Speaker 2: I want to explain to people, you're not taking out
Speaker 2: one pane of glass, You're taking out the whole unit
Speaker 2: and putting in a brand new one. Sure, So had
Speaker 2: she done that, would it have been cheaper than replacing
Speaker 2: all the windows?
Speaker 6: It possibly can, It just depends on which outfit does it.
Speaker 6: But the problem with that if the if the manufacturer
Speaker 6: themselves do not do it, then usually the warranty goes away.
Speaker 6: So if she hired AB.
Speaker 2: Said you would have done it, but you said you
Speaker 2: would have done it.
Speaker 6: I was saying, if my salesman went up and did
Speaker 6: not key in on her passive solar house, and I
Speaker 6: got involved, and I went up there said yes, this
Speaker 6: is a passive solar house, I would have immediately said
Speaker 6: we're going to switch out your glass with what should
Speaker 6: be for your house. That's what I would have done
Speaker 6: as a company if we would have made the same mistake.
Speaker 6: I get it. Yeah, so it's and again if I
Speaker 6: don't know if my company can do that, because I
Speaker 6: didn't look at them like that when I was up there.
Speaker 6: But if they could be removed, I could have given
Speaker 6: her that option. But again there would be like knock,
Speaker 6: got to be no warranty involved from her old windows.
Speaker 6: That's the bad thing about switching out glass from somebody.
Speaker 6: That's not what the manufacturer.
Speaker 15: Well, well, Nick, maybe the Rooster lady can just call
Speaker 15: renewal and then maybe have a negotiation.
Speaker 2: Well, she already put one windows in. Well she already
Speaker 2: went through.
Speaker 1: It, but the glass is wrong. Just to replace the glass, but.
Speaker 2: She already put in all new windows isn't that right, Nick?
Speaker 6: Not all of them? And again she I'm gonna do
Speaker 6: some new ones for her, just the ones that make
Speaker 6: the biggest difference for him. But she's tried to get
Speaker 6: a hold of them and they just don't even want
Speaker 6: to talk to her.
Speaker 2: So wait a minute, how much of the job did you, guys? Redo?
Speaker 6: We haven't redone it yet. It's there on order we're redoing.
Speaker 2: So right now, nothing has actually been done to her home.
Speaker 6: The Renewal replaced one, two, three, four I think four
Speaker 6: window openings in a patio order and then I'm replaced.
Speaker 2: So renew will already replace And what did they replace
Speaker 2: them with.
Speaker 6: The Renewal by Anderson product?
Speaker 2: No?
Speaker 1: But is it the correct glass?
Speaker 2: No, he doesn't mean they replaced him after the problem.
Speaker 2: He means that's what they did originally.
Speaker 6: Oh okay, right, and then also placing two windows in
Speaker 6: the patio door because those are the ones that affect
Speaker 6: them the most.
Speaker 2: Right now, the one okay, So if you replace those
Speaker 2: windows in the patio door that Renewal did, how much
Speaker 2: of that job was done needlessly? In other words, what
Speaker 2: did she pay for that part.
Speaker 6: Of the job from Renewal everything? Yes, I want to
Speaker 6: say everything she did with Renewal. I want to say
Speaker 6: was somewhere around I want to say twenty eight, oh,
Speaker 6: twenty eight okay, and then but she has interesting how much?
Speaker 2: Yeah? I want to know though, how much was the
Speaker 2: part that was done wrong? Well?
Speaker 6: If yeah, the whole the whole window job that they did.
Speaker 6: As far as I'm concerned, they gave her the wrong glass, right,
Speaker 6: I get it.
Speaker 2: But how much to correct the patio part, which is
Speaker 2: the most important. How much did she spend on that?
Speaker 6: I would have to look at it. Probably ten probably
Speaker 6: ten grand?
Speaker 2: Okay. The reason I'm saying this, Nick, and I'm being
Speaker 2: so exacting, is I'm thinking small claims court. You know,
Speaker 2: seventy five hundred bucks. Right, you go to small claims court,
Speaker 2: you bring the text in, it's relaxed rules of evidence,
Speaker 2: and at least she'll get something, because otherwise we're looking
Speaker 2: at hiring an attorney and doing a giant you know
Speaker 2: where it almost never pays. Have you tried talking to
Speaker 2: Renewal specifically about this?
Speaker 1: I have not.
Speaker 14: No.
Speaker 6: I've tried to instruct her on what to Colin Bell
Speaker 6: and ask about. They won't talk to her. Green Sky
Speaker 6: the finance company won't talk to her. It just seems
Speaker 6: like she's in a vortex of you know, no help.
Speaker 6: That's why I got involved.
Speaker 2: Now. Is renewal by Anderson one company? Or are there
Speaker 2: are several that do renewal by Anderson?
Speaker 6: It's one company, but there's a couple in this day
Speaker 6: and they're privately owned.
Speaker 2: Okay, so each So if you look up renewal by Anderson,
Speaker 2: if you look up renewal by Anderson in Denver, you're
Speaker 2: only going to get one company, right.
Speaker 6: There's a Denver one or Collins one. And I never
Speaker 6: really have complaints about him, you know, they've been around forever.
Speaker 6: We really don't. Again, the installation was great. I just
Speaker 6: think they did a disservice, not with the glass, you know.
Speaker 6: And and to me, it's frustrating that if you're in
Speaker 6: this industry and to say that you have a an
Speaker 6: energy mandated uh, you know, no, I get it. I
Speaker 6: don't know. So I talked to the building department up
Speaker 6: there and I told him the scenario and he knows.
Speaker 6: The lady said, hey, with the passive solar house, I
Speaker 6: know you guys want a certain rating. But he's like,
Speaker 6: I understand passive solar houses and just get me what
Speaker 6: you know we can do here, and he was he understood,
Speaker 6: just fine, And so to tell him that's what what
Speaker 6: the government wants is also not a great statement.
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Speaker 5: All right, three oh three seven one three a two
Speaker 5: five five three zero three Martina, what do we got
Speaker 5: cooking up here?
Speaker 2: Let's go to Jay job.
Speaker 5: Here's your question on protecting assets, okay, protecting the asses.
Speaker 14: Before mark, Before you start yelling at me, I just
Speaker 14: want to say ours immigration and today's laws. Today, current
Speaker 14: immigration was none of us would be here from Europe,
Speaker 14: none of our European descents would be able to immigrate
Speaker 14: to this country on today's laws. Now that I said that,
Speaker 14: let me get the question.
Speaker 2: I have a jay jjjj Wait a minute, wait a minute,
Speaker 2: explain what you mean by that.
Speaker 14: That's when all our ancestors came from Europe. It was
Speaker 14: open immigration from the eighteen eighties to the nineteen twenties.
Speaker 2: That's when the majority you know why right? Well suppose
Speaker 2: you know why? Right?
Speaker 14: For the why.
Speaker 2: Because because it was because it was a time when
Speaker 2: our population was next to nothing and we need did
Speaker 2: the influx of people like just what you said, Okay,
Speaker 2: that's why the Statue of Liberty was put up there,
Speaker 2: and we invited people from all walks of life. It's
Speaker 2: but they still had to go through a little bit
Speaker 2: of something. It wasn't much, but it was a whole
Speaker 2: different time. Jay, I just want to ask you something.
Speaker 2: I promise you I'm not gonna yell at you neither
Speaker 2: remark do you feel that the do you feel that
Speaker 2: the current immigration laws are too restrictive when enforced?
Speaker 14: Personally? Say, I think the borders should be impenetrable, there
Speaker 14: should be no we should have walls and everything else.
Speaker 14: Although forty percent of these immigrants are coming through the
Speaker 14: airports which fake visas.
Speaker 2: But it answered, but go ahead, go ahead. What were
Speaker 2: you the laws? You're restrictive?
Speaker 14: Yes, because there is no legal way for a peasant
Speaker 14: emphasis on the word peasant, uneducated peasant from Guatemala. There
Speaker 14: was no legal mechanism for them to immigrate to the
Speaker 14: United States. It's all I would guarantee you. Maybe the
Speaker 14: ninety percent of all current immigrants are here through fraud
Speaker 14: or or through someone else that got here through fraud
Speaker 14: or through Reagan's amnesty program. I can guarantee you that
Speaker 14: I know this system very well. I know this system
Speaker 14: so well because my wife's from Thailand. You know my wife,
Speaker 14: of course, she used to work at Georgie's station break
Speaker 14: in your lobby.
Speaker 2: I love her yes, was one.
Speaker 14: Well, the older one was Tom Stree or Rim and
Speaker 14: the younger one who was my wife was b b
Speaker 14: e B.
Speaker 2: I remember B. I remember b What a lovely woman.
Speaker 2: And how do you know what Georgie's doing right now?
Speaker 11: No?
Speaker 14: No, I spoke to him about ten years ago, and
Speaker 14: I don't know what he's doing now.
Speaker 4: No.
Speaker 2: Okay, well, Jay, what is your question on protecting assets?
Speaker 14: Okay? I have a friend. He's a restaurant manager. He's
Speaker 14: from Mexico. He came here illegally when he was eighteen,
Speaker 14: about twenty twenty five years ago. He now speaks to
Speaker 14: the English fluently. He's in his forties. He's married to
Speaker 14: a Mexican who's also illegal. They have a thirteen and
Speaker 14: fifteen year old kid. He recently applied with an immigration
Speaker 14: attorney to become legal through some I don't think he's
Speaker 14: going to get some hardship case. Because his father died
Speaker 14: at the age of eleven. I don't know he'll get
Speaker 14: his green cousin or not. Well. Anyway, over the years,
Speaker 14: he has worked six or seven days a week, you know,
Speaker 14: many hours a day. He now owns five properties. By
Speaker 14: the way, I send you an email called immigration a
Speaker 14: help at troubleshoe at dot com anyway, okay, And he
Speaker 14: has an individual tax what's it called iti N number,
Speaker 14: which is called Individual tax Payer Identification number, which is
Speaker 14: a number for illegals basically to pay taxes. He has
Speaker 14: a Colorade drive license that they do give it out
Speaker 14: to illegals. He owns five properties. There's a law now
Speaker 14: that if you get a deportation right now. He thought
Speaker 14: he was protected from any possibility of deportation. It seems
Speaker 14: like things are a little bit less how do I
Speaker 14: say concrete? And he's worried that if he got a
Speaker 14: deportational order and he does not self deport, if he
Speaker 14: just takes off, there's they can find him nine hundred
Speaker 14: and ninety eight dollars a day and go after his assets.
Speaker 2: Yeah, hold on, Jay, I'm going to come right back
Speaker 2: and we'll address this coming up. Hold on, go with
Speaker 2: a sure thing Denver's Best roofer Excel roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
Speaker 2: an insurance checkup free no obligation comparison call compass insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three all three seven to seven to one.
Speaker 2: Help You'll think you're his only customer when you choose
Speaker 2: Frank durand the real estate man dot Com to list
Speaker 2: your home with Remax Alliance three oh three nine two
Speaker 2: zero sixteen twenty two. Hi, Tom Arts, you know I
Speaker 2: want to go back to Jay and I'll sum it up.
Speaker 2: Jay's friend has accumulated some wealth. He's here illegally. He's
Speaker 2: afraid if he gets fined or deported, he's going to
Speaker 2: lose his assets because they can, as with any government fine,
Speaker 2: they can attach assets. He wants to know how he
Speaker 2: protects them, Well, Jay, legally if it's if they're his properties,
Speaker 2: the government ken and will attach them if it's part
Speaker 2: of a fine. So obviously the best thing to do
Speaker 2: is to put himself in a position where he's not
Speaker 2: being fined. But another thing he can do is this,
Speaker 2: and it requires extreme trust. He would form an LLC
Speaker 2: for his five rental properties or for each rental property,
Speaker 2: and he would have a silent part He would have
Speaker 2: a partner like you or someone legal in the United States,
Speaker 2: to take control of the LLC. Very seldom will they
Speaker 2: go in and take his individual interests. Now, if they
Speaker 2: suspect it's done fraudulently, all bets are off. Now again,
Speaker 2: when I say this, people might say, well, are you
Speaker 2: encouraging them to do something fraudulently. No, I'm not, Jay,
Speaker 2: because you can legally buy into that LLC for a
Speaker 2: dollar or two or five or ten or one hundred,
Speaker 2: and then you can legally get bought back out again.
Speaker 2: And you don't have to make a profit. No one
Speaker 2: says you have to make make a profit. And he's
Speaker 2: allowed to do that. He's allowed to sell his interest
Speaker 2: to you, and he's allowed to buy it back. But
Speaker 2: it requires a friendship and extreme trust. Do you understand
Speaker 2: what I'm saying?
Speaker 14: Yeah, I have a couple of questions. It could be
Speaker 14: to a brother or sister who's here legally also, right,
Speaker 14: that would be an option, that's.
Speaker 2: Right, that's right. Place they should buy his interests. They
Speaker 2: should buy his interests all but maybe five percent of it,
Speaker 2: and then sell it back to him when he gets
Speaker 2: everything straightened out and that.
Speaker 14: But if I did it, I would have to report
Speaker 14: that all my annual income tax.
Speaker 2: Right, Well, there's no Well, if there's income in the
Speaker 2: LLC and you control it, yes, that would go on
Speaker 2: your ledger, but then you could also settle up with
Speaker 2: him later on in life when it gets straightened out.
Speaker 2: You keep a ledger of any additional tax you would
Speaker 2: have to pay. Most of the time, there's really not
Speaker 2: that much tax with rentals until you sell them. But
Speaker 2: if he's making a boatload of money, yeah, you would
Speaker 2: have to declare it. You stick around if you have
Speaker 2: more specific questions. I'm Tom Martino. Jennifer's coming up next
Speaker 2: with air conditioning questions and more. Go with a sure
Speaker 2: thing Denver's Best roofer Excel Roofing dot com. You don't
Speaker 2: pay a cent until you're content. Time for an insurance
Speaker 2: check up free no obligation comparison call Compass Insurance paying
Speaker 2: too much your coverage at dozens of insurance companies find
Speaker 2: out now three oh three seven to seven to one help.
Speaker 2: You'll think you're his only customer when you choose Frank
Speaker 2: Durand the real estate Man dot com to list your
Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two.
Speaker 6: Ripped of.
Speaker 1: News needs who you don't have?
Speaker 3: Come runing as fast as we can. Shooter's gonna help come.
Speaker 4: Dix is the Troubleshooter Show, Tom Martino.
Speaker 2: Hey, Hey, Hey, Tom Marchino. Here, let's talk about your problems,
Speaker 2: questions and complaints in what would can do to help you?
Speaker 2: This hour brought to you by Frank durand The real
Speaker 2: Estate Man dot Com. Frank will give you a complete
Speaker 2: market evaluation of your home to tell you what it
Speaker 2: will sell for, what you will clear, and what you
Speaker 2: can buy. All of that analysis is free of charge.
Speaker 2: Complementary of Frank Duran, one of the most prolific real
Speaker 2: estate brokers in the state, selling for more money and
Speaker 2: for quicker than most. That's Frank Duran, The real Estate
Speaker 2: Man dot Com. Three h three nine two zero sixteen
Speaker 2: twenty two. Welcome, all right, so let's talk. I'm going
Speaker 2: to finish up with Jay. Jay said he has a
Speaker 2: friend here illegally for many many years, has kids, a wife,
Speaker 2: and his wife's here illegally as well. He's accumulated five
Speaker 2: rental properties. He fears he's going to be fined or
Speaker 2: losing his assets if he's supported. He wants to know
Speaker 2: what he can do to protect them until he gets
Speaker 2: everything straightened out. As I said before, it takes a
Speaker 2: certain level of trust. You have a friend or a relative,
Speaker 2: and they can easily buy your shares of the LLC.
Speaker 2: And it has nothing to do with anything except you
Speaker 2: put the properties in the LLC and then you sell them,
Speaker 2: and you can sell them for anything you want. Not
Speaker 2: the properties, but you sell the LLC share for anything
Speaker 2: you want. They retain ownership or majority until you straighten
Speaker 2: all your stuff up and you buy it back for
Speaker 2: the same price. No big deal, no tax consequences, nothing.
Speaker 2: But if the LLCs make money and you own the
Speaker 2: LLC while it's making money, you would have to if
Speaker 2: you are helping this guy out, you would have to
Speaker 2: declare that income. But you could keep a ledger for
Speaker 2: later on. And if you had to pay some extra tax,
Speaker 2: you can have him pay you back for that. It's
Speaker 2: all a matter of trust. Jay, What are your follow
Speaker 2: up questions?
Speaker 14: Well, let me ask. We have farming this who owned
Speaker 14: businesses in America all the time because his mother in
Speaker 14: Mexico own it.
Speaker 2: Yes, if she's legally in Mexico, she can own a
Speaker 2: US property. Yes, he could.
Speaker 14: He could. She could be the one who buys it.
Speaker 14: Now she would have to file American incompact on any profit.
Speaker 2: I assume on any income she makes in the States,
Speaker 2: on any income in the States.
Speaker 14: That's right, yep, even though she's in Mexico, never leaves
Speaker 14: Mexico stations.
Speaker 2: Yeah, people, people can own property in America. In fact,
Speaker 2: ask the Chinese.
Speaker 14: Right, right, that's exactly. Let me ask you one more question.
Speaker 14: You said the LLC, which he has them in sept
Speaker 14: the LLCs. My other question is is there any other
Speaker 14: kind of trust or land trust, property trust that you
Speaker 14: know of that would be that would be more of
Speaker 14: a protective instrument.
Speaker 2: No, And first of all, there is no trust. There
Speaker 2: would be no reason to do it a trust, and
Speaker 2: a trust would not protect anything because if he's in
Speaker 2: control of the trust, then they can take anything they
Speaker 2: want on from his trust. The only way he could
Speaker 2: do it in a trust to protect it is an
Speaker 2: irrevocable trust or an offshore trust. But you get into
Speaker 2: all that crap and he gets really complicated and it
Speaker 2: gets weird. So I would not mess with an irrevocable trust.
Speaker 2: He might get himself into a position he doesn't like,
Speaker 2: and I would not mess with an offshore trust.
Speaker 14: Okay, it sounds like having his mother take ownership of
Speaker 14: it from Mexico might be the best why not? Yeah,
Speaker 14: of course, very much.
Speaker 2: But he has to have a sale. He has to
Speaker 2: have a sale of the of the interest in the LLC.
Speaker 10: Yes, yes, I understand that.
Speaker 2: Yes, that yet, and he might want to, he might
Speaker 2: want to. They might want to talk to an accountant
Speaker 2: about the tax implications, because you want to make sure
Speaker 2: that it doesn't mess up his basis on his properties.
Speaker 2: And the way you get around that is easy. You
Speaker 2: can have them purchase it for the real basis and
Speaker 2: you can have a small amount of money down and
Speaker 2: he can hold the other in a note, or it
Speaker 2: can be a promisory note. There are ways to legally
Speaker 2: do it, but I don't think it will mess up
Speaker 2: his basis by selling interest in an LLC. But you
Speaker 2: might want to check with taxing authorities both in Mexico
Speaker 2: of his mother's going to do it, and hear what
Speaker 2: his ramifications are, because you don't want him selling it
Speaker 2: for a dollar and finding out later on that his
Speaker 2: basis is a dollar. Although that won't be the end
Speaker 2: of the world anyway, because if it's rental property, going
Speaker 2: to have to pay gain. I'm Tom Martino. Well, Jennifer's next, Jennifer,
Speaker 2: what is your question? On air conditioning.
Speaker 12: It's really a recommendation. My ho ads right now are
Speaker 12: just not affordable. I'm in Colorado Springs And a separate topic,
Speaker 12: which I won't go into, is it's a correct HOA.
Speaker 12: But that's another story. But I have to move into
Speaker 12: a much smaller condo that has lower HOA dues and
Speaker 12: it does not have AC installed currently, and I have
Speaker 12: been all over the internet looking for the best deal
Speaker 12: I can find, and I'm not finding it.
Speaker 10: So I thought you.
Speaker 12: Guys might know who to call.
Speaker 2: Okay, Jennifer, I have a few questions for you. Okay,
Speaker 2: am I correct in assuming you sold your old condo
Speaker 2: and moving into another one.
Speaker 12: I am about to sell because I cannot afford the
Speaker 12: HOA dues here into a one bedroom and ninety two
Speaker 12: square foot one bedroom that hasn't made.
Speaker 2: Okay, you're you're going to have a big problem. Let
Speaker 2: me tell you about the big problem. If you're moving
Speaker 2: into a new condo, that's not the problem. It's easy.
Speaker 2: You say your current unit and you're buying a new one. Okay.
Speaker 2: Now the problem is if there's no AC in it,
Speaker 2: you're going to get no, You're you're not going to
Speaker 2: be able to get a company to put an AC
Speaker 2: unit in a condo. Every company I know will not
Speaker 2: do it. They do not work on condos. They don't
Speaker 2: want responsibility, they don't want any part of it. But
Speaker 2: but it might be different in your case. So I'm
Speaker 2: going to ask a few questions. Yeah, are these totally
Speaker 2: independent heating and air units in each condo? Yes?
Speaker 12: And everyone has them on the roof? Who has gotten them?
Speaker 12: They're they're all there's a place?
Speaker 2: So are these? Are these more like town homes? Are
Speaker 2: these town homes?
Speaker 12: No condos?
Speaker 2: So? How explain to me how that works? So you
Speaker 2: have a building, let's say, how many in a building? Oh?
Speaker 12: Boy, I think the number I read was ninety ninety
Speaker 12: in one.
Speaker 2: Building in one building and possible yeah.
Speaker 14: Well no in little set buildings.
Speaker 2: So I'm asking you in one building, how many Condosh
Speaker 2: there's three floors?
Speaker 12: I think three on each floor?
Speaker 7: So nine?
Speaker 13: So nine?
Speaker 2: So if you look at a building, you see nine
Speaker 2: different AC units on the roof.
Speaker 12: Yeah, and I know neighbors down there has had hers
Speaker 12: and stalls. It's almost everyone has them up there.
Speaker 2: Okay, what you need to do is find out who
Speaker 2: did them, because I know of no companies that will
Speaker 2: go on a condo roof, install an air conditioner and
Speaker 2: plummet to your unit. I know of none. It's the
Speaker 2: one of the most difficult things to have done. If
Speaker 2: you have a condo, if you want a water heater,
Speaker 2: if you want an AC, if you want a furnace,
Speaker 2: if you want anything like that, it's almost impossible to
Speaker 2: get someone to work on your unit. And Bo, what
Speaker 2: are you going to say?
Speaker 15: Go ahead, bo, Jennifer, this is BO. Is this a
Speaker 15: brand new installation or repair?
Speaker 6: No, this is not.
Speaker 2: This is a unit in an existing condo buildings. It's
Speaker 2: an existing condo unit and her one bedroom condo does
Speaker 2: not have AC and she wants it installed.
Speaker 1: How about just put a mini splait in that room?
Speaker 2: Yeah, but no, who's gonna install it? Well, I know too,
Speaker 2: right off the bed. Okay, if you know them, then
Speaker 2: give her the names, because I know of not one company.
Speaker 2: Because of liability nowadays, I don't know of one company
Speaker 2: that will work on group or condo developments. Not one.
Speaker 1: Is it two story or a three story building?
Speaker 12: It's for free, But there's hookups like it's ready to
Speaker 12: be installed up on the road.
Speaker 2: Wait, what kind of hookups? Are we talking about.
Speaker 14: Well, I don't know.
Speaker 8: I've been climbed on the roof.
Speaker 12: But there's an easy access to the roof.
Speaker 2: No, But I mean you say there are hookups. Is
Speaker 2: it already pre plumbed from the roof to the unit?
Speaker 14: Yes, yes, you know that for sure.
Speaker 12: Yes, because somebody who owned one had one installed a
Speaker 12: couple of years ago.
Speaker 2: Okay, well that makes it easier. But I still don't
Speaker 2: know anyone who will take the responsibility of going on
Speaker 2: a condo roof or installing a condo unit. But bo,
Speaker 2: who do you know that we'll do it?
Speaker 6: I know two companies, Well who are they?
Speaker 15: Okay, Forward Motion Mechanical and Wilderness Construction. They will work
Speaker 15: on those condo units. And it sounds to me, Jennifer,
Speaker 15: you already have the suction, the suction and liquid line already.
Speaker 2: Well, that's what she says.
Speaker 1: That's what she says.
Speaker 15: If you want to, I can give you the numbers
Speaker 15: off the air if Kelly, I'll get you give me
Speaker 15: your phone number.
Speaker 2: Yeah, he says he knows some companies that will do it.
Speaker 2: But keeping just you know, and and I don't mean
Speaker 2: to be discouraging. I'm just saying that it's it's difficult.
Speaker 2: Have you ever found it difficult getting stuff done on
Speaker 2: your other condo?
Speaker 5: Never?
Speaker 11: When did this law or change coming?
Speaker 2: There is no there is no law. There is no law,
Speaker 2: no law. Anybody can work on anything, Okay, in the
Speaker 2: last in the last five years. Okay, you can prove
Speaker 2: it to yourself. Just call just call a company. Just
Speaker 2: call a company and ask them if they'll work on
Speaker 2: a condo. It's very very difficult, difficult. And I'll tell
Speaker 2: you why, because if any problems result as a result
Speaker 2: of the installation at all, the HOA will not hesitate
Speaker 2: to sue the contractor.
Speaker 10: Wow.
Speaker 2: So if they went up on your roof and there
Speaker 2: was a roof leak, and they had nothing to do
Speaker 2: with the roof leak, but the HOA wanted to make
Speaker 2: life difficult, the HOA, because they have pulled resources, might
Speaker 2: take that contractor to court and that contractor will have
Speaker 2: to spend a crap load of money just to get
Speaker 2: rid of it.
Speaker 12: Okay, it's just very hard.
Speaker 2: Now, Yeah, we're going to give you that information. I
Speaker 2: want to know something, Jennifer, what work if you had
Speaker 2: done on the previous condo, you had.
Speaker 14: Nothing.
Speaker 12: It came with an acy.
Speaker 2: So, but did you ever have did you ever have
Speaker 2: a water heater or anything like that work done?
Speaker 7: Oh?
Speaker 2: Sure many times.
Speaker 12: And I had a home warranty all that stuff because
Speaker 12: those at the water heater at the furnace are inside
Speaker 12: the unit.
Speaker 14: The AC is outside the in it.
Speaker 2: Yeah, but Mark, don't you didn't they even say, the companies,
Speaker 2: we know that even if the water heater is inside
Speaker 2: the unit, they will not they will not mess with them.
Speaker 2: Isn't that Ryan? Generally speaking? That is correct?
Speaker 5: I know, like fix it plumbline, you might get master
Speaker 5: rooter out into a scenario like that.
Speaker 2: Yeah, and then and then Bo has some recommendations, So
Speaker 2: we'll give you those recommendations off the air. I'm Tom
Speaker 2: Martinez three oh three seven one three talk seven one
Speaker 2: three eight two five five. Hey, if you want a
Speaker 2: beautiful walk in shower and get rid of that shub
Speaker 2: the shower tub combos that are ugly and get a
Speaker 2: beautiful rectangle shower with sheet porcelain. Looks like a million bucks,
Speaker 2: no maintenance. They can do it in two or three days.
Speaker 2: All kinds of options for repayment with lower no interest
Speaker 2: renew Home Innovations dot Com three oh three nine zero
Speaker 2: four two thousand, go with a sure thing Denver's Best
Speaker 2: roofer Excel Roofing dot com. You don't pay a cent
Speaker 2: until you're content. Time for an insurance check up free,
Speaker 2: no obligation comparison call Compass Insurance paying too much your
Speaker 2: coverage at dozens of insurance companies find out now three
Speaker 2: oh three seven to seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate Man dot com to list your home with
Speaker 2: Remax Alliance three oh three nine two zero sixteen twenty two.
Speaker 2: Hi Tom Archino, your troubleshooter three o three have it
Speaker 2: on three eight two five five. We're always here to
Speaker 2: help you, So get your calls in and we'll do
Speaker 2: what we can. We have Nick Gravina's with us in
Speaker 2: the studio from Gravina's window siding and doors. And this
Speaker 2: is a question on siding. Nick, do you like hardyboard?
Speaker 6: It's okay in my book, it's got its place. It's
Speaker 6: great for fire ratings.
Speaker 2: Okay, And explain what hardyboard is made of. Isn't it
Speaker 2: sementuous material with wood or not?
Speaker 6: I don't think it's wood. It's there's some fiber in there,
Speaker 6: so I think it's more of like, you know, a
Speaker 6: fiberglass type strand with a with a sementious you know base.
Speaker 2: And can it absorb water if you if you uh?
Speaker 2: Is this the kind of siding that you have to
Speaker 2: install just right or you know? Because on some of them,
Speaker 2: if you penetrate the surface with a nail or a
Speaker 2: screw it it opens it up for uh deterioration. Is
Speaker 2: that the case with hardyboard or or not.
Speaker 6: I don't think it has a lot of that, but
Speaker 6: I think almost everything has some type of absorption, but
Speaker 6: it's got it's very very minimal. What is your preference
Speaker 6: on sighting? Truthfully, my favorite type of sighting is steel siding.
Speaker 6: I think some of the paints that we put on
Speaker 6: it are the best for Colorado's Sun, the least maintenance
Speaker 6: out of them. The thing with hardy is there's a
Speaker 6: lot of cocking involved and that is a large maintenance
Speaker 6: item over years. So with steel you don't have all
Speaker 6: that cocking and it's one of the most maintenance free
Speaker 6: products there is, and I think it stands up to
Speaker 6: the elements here significantly.
Speaker 2: Well So are we so are we talking about vinyl
Speaker 2: coated steel or straight steel.
Speaker 6: It's steel in the coatings we use a lot now
Speaker 6: are a Kinar paint, which is a floral palmer. It's
Speaker 6: one of the best external paints for.
Speaker 2: So basically is the steel primed when you put it
Speaker 2: up and then you paint it.
Speaker 6: No, they all come pre finished from the factory.
Speaker 2: Okay, and that paint is good for how long?
Speaker 6: Most of our Kiners will give you a thirty five
Speaker 6: year no chalk, no fade warm.
Speaker 2: Oh my god.
Speaker 6: Right, that's oh my god.
Speaker 2: So that's a kind r coded steel siding. What do
Speaker 2: you think about aluminum siding or is that all but gone?
Speaker 6: You know, I think it's still out there. It's very
Speaker 6: very far and few in between. Every once in a
Speaker 6: while will get an insurance claim on one. It exists,
Speaker 6: but it dent so easy. It's just not really a
Speaker 6: thing that I think people replace with anymore.
Speaker 2: And then what about straight extruded vinyl. It seems to
Speaker 2: me that those are plagued with warping and waving and
Speaker 2: they look terrible. What do you think?
Speaker 6: Yes and no, I mean I think there's some cheap
Speaker 6: panels out there that definitely do that. But it does
Speaker 6: come down to the installation of vinyl. Installation of vinyl
Speaker 6: has to be done directly. You can't overtighten the fasteners,
Speaker 6: and that's where we see a lot of the issues.
Speaker 6: So if you install it right, okay, but in a
Speaker 6: decent quality one. We've actually done tons of jobs that
Speaker 6: still look great. But yes, there's horror stories out there
Speaker 6: because it's a cheap one on a complex and just
Speaker 6: nailed up with a compressor which you probably shouldn't do,
Speaker 6: and all that other kind of stuff. So, I mean,
Speaker 6: you know, it really does come down to installation.
Speaker 2: Is okay. So if we if we had to rank siding,
Speaker 2: we'd go the kind our coded steal first. Second would
Speaker 2: be vinyl.
Speaker 6: I like the probably the engineered would by LP. Second.
Speaker 2: What's is that like a Hardy board or a copy
Speaker 2: of that or what it's similar?
Speaker 6: Yes, it's just you know, it's more of a wood.
Speaker 6: It kind of looks like an OSB panel and the
Speaker 6: way that they make that panel is amazing. So I
Speaker 6: really am a big fan of that product as well.
Speaker 6: I like that Overhardy. It's not as heavy.
Speaker 2: What is it? What is it finished with?
Speaker 6: So you can bring that one in primed, You can
Speaker 6: bring that one in. There's two finishers we use that
Speaker 6: have a pre finished colors, and one of them is
Speaker 6: up to a thirty year paint warranty on it, where
Speaker 6: the factory one is a fifteen year, But you can
Speaker 6: bring it in prime.
Speaker 2: And what happens now, what happens if it's overfastened or
Speaker 2: if you penetrate the surface, does that open it up
Speaker 2: for absorption and deterioration? Not?
Speaker 6: On that one. They actually take all those chips before
Speaker 6: they press it, and they actually coat that with their
Speaker 6: their resins and wax and then they press the panel.
Speaker 2: So it's it's polymer. It's polymer, and it's through and through.
Speaker 2: In other words, it's waterproof, through and through.
Speaker 6: They say it's over ninety percent. Instead of making the
Speaker 6: panel and then trying to saturate the top coat like
Speaker 6: they used to do in the eighties, they actually treat
Speaker 6: all the pieces before it's punched and stamped down, so
Speaker 6: then it is truly like.
Speaker 2: I love it over yeah, I love it. So what
Speaker 2: is that? What is that called? Exactly?
Speaker 6: LP Louisiana Pacific and it's engineered wood and this is
Speaker 6: it smart side? It is smart side. Yes, they test
Speaker 6: in Healey which is crazy moist, and they just leave
Speaker 6: pieces out and they'll let it sit there for five
Speaker 6: ten years and it still looks good.
Speaker 2: I'm hearing some really good things about smart Side, and
Speaker 2: it really looks like wood. It's incredible.
Speaker 6: Yep, it is wood. It's just stamped green, kind of
Speaker 6: almost like hardy is and steel has a stamped grain.
Speaker 6: I mean they all kind of have a stamped wood
Speaker 6: grain to them.
Speaker 2: And they say you can do dark colors without the
Speaker 2: fear of warping.
Speaker 6: On the smart Side. Oh yeah, that's I actually have
Speaker 6: it on my house. That's what I have, and I
Speaker 6: have a dark brown and it has not changed colors
Speaker 6: in probably the last eight years I've had it one.
Speaker 2: So would you put smart Side at par with the
Speaker 2: kinder coated steel.
Speaker 6: The diamond coat finished by wasaw on the LP is
Speaker 6: very close? Again, you have a third to thirty five
Speaker 6: year warranty between those two.
Speaker 2: And you think and you feel smart Side LP smart
Speaker 2: Side is better than hardyboard.
Speaker 6: I personally do absolutely grab that's not a saunding.
Speaker 2: I love talking to Nick because they they sell all
Speaker 2: of them, so he has no vested interest in in
Speaker 2: steering you one way or another. That's what I like
Speaker 2: about him. When they have such a big variety, they
Speaker 2: can make their recommendations and then of course you get
Speaker 2: what you want, all right, Thank you, Nick, Nick Gravina
Speaker 2: Gravina's window Siding in Doors nine fifty West, Evans. We
Speaker 2: have more coming up on the Troubleshooter Show. Don't forget.
Speaker 2: No matter what you get on your home, you want
Speaker 2: it insured right. Compass Insurance will do a free insurance
Speaker 2: checkup to make sure you're adequately insured. You're not paying
Speaker 2: too much for car in auto and home, so give
Speaker 2: them a call. Three h three nine nine six nine thousand.
Speaker 2: Go with a sure thing Denver's Best Roofer Excel Roofing
Speaker 2: dot com. You don't pay until you're content. Time for
Speaker 2: an insurance check up free, no obligation. In comparison, call
Speaker 2: Compass Insurance. Paying too much your coverage at dozens of
Speaker 2: insurance companies find out now three all three seven seven
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate Man dot com to
Speaker 2: list your home with Remax Alliance three all three nine
Speaker 2: two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter
Speaker 2: three all three seven one three talk seven one three
Speaker 2: A two five five. Okay, so what is on your
Speaker 2: mind today? We have we're talking about windows, siding, and doors.
Speaker 2: We're also talking about a number of problems that have
Speaker 2: come in today. One was Jennifer's trying to get something
Speaker 2: done in a condo, and I'm getting more and more
Speaker 2: people saying they run into the same thing when when
Speaker 2: contractors find out people live in a condo, they're very
Speaker 2: reluctant to get involved now because of all the liability issues.
Speaker 2: So they're few and far between the companies that will
Speaker 2: work on congregate units. They just don't like the liability
Speaker 2: because hoas are too happy. Also a jay, he wanted
Speaker 2: to know how does someone illegally here in the United
Speaker 2: States protect their assets. That is a very topic. First
Speaker 2: and foremost, it's best to be legal. If you're working
Speaker 2: on being legal, the government will very seldom find you,
Speaker 2: I'm told, or seize assets. It's only for those who
Speaker 2: are flagrantly illegal, flaunting it, or you know, purposely avoiding
Speaker 2: trying to become legal, and they are usually caught and fined.
Speaker 2: Sometimes their assets are taken. If you fear losing your assets.
Speaker 2: You can assign ownership of your assets to someone else,
Speaker 2: but you have to really trust them, or you can
Speaker 2: legally sell them and buy them back at the same price.
Speaker 2: No one is preventing you from doing that. Another one,
Speaker 2: a guy called in about the pediatrist. No, not the podiatrist,
Speaker 2: but yeah, that was podiatrist doctor, and it was about
Speaker 2: the Bunyan cure in Littleton who had surgery. BO was
Speaker 2: going to pull them because this guy. All he said was, look,
Speaker 2: the results were fine on one foot. On the other foot,
Speaker 2: the condition seemed to come back and it's due to
Speaker 2: some nerve and tendon damage he has. He's not even
Speaker 2: blaming the clinic, but he can't even get a call back.
Speaker 2: He said, Bo, did you contact them?
Speaker 1: I was able to.
Speaker 15: Talk to the receptionist and I left her a detailed
Speaker 15: message to be forwarded to doctor Sullivan, and I just
Speaker 15: told them specifically that Don is being very reason. Of course,
Speaker 15: he's not asking for his twenty five grand back, even
Speaker 15: though I think that was excessive, but he just wants
Speaker 15: us toe fixed right. And I said, if you guys
Speaker 15: could just please give him a callback, have him come
Speaker 15: in for an apployment and see if we can get
Speaker 15: a resolution. And I said, you don't have to call
Speaker 15: me back, but you need to give Don a call.
Speaker 15: So I'm going to call Don at the end of
Speaker 15: the show and see if the Bunying Cure has made
Speaker 15: contact with him. He's made very reasonable and he just
Speaker 15: needs to get his foot.
Speaker 2: Fixed, all right. And then Cliff, I believe Cliff was
Speaker 2: here with Oh no, no, that was the other day. Anyway,
Speaker 2: we'll talk about that another time. Well, maybe I should
Speaker 2: warn people because I have had other follow up texts
Speaker 2: with people having the same thing. People who joined the
Speaker 2: monthly subscription at Take five car Wash. Now Take five
Speaker 2: car Wash has been taking over a lot of independent
Speaker 2: car washes and they offer this this deal, which isn't bad.
Speaker 2: It's a monthly fee and you get car washes as
Speaker 2: many as you want in the month. But the problem
Speaker 2: is when people go to cancel, they keep taking money
Speaker 2: even if you complain. Some people have had to literally
Speaker 2: close their account to get them to stop drawing money out.
Speaker 2: Did you want to say something about that day?
Speaker 1: No, I was just thinking of how inconvenient that is.
Speaker 2: No, No one listen to this one. After closing the No, no,
Speaker 2: after stopping payment on it at their bank. The bank
Speaker 2: reported that Take five tried twenty eight times in one
Speaker 2: month to get the charge when it was turned down.
Speaker 2: I believe that's automated. I don't believe there's anyone at
Speaker 2: Take five making that decision. I think someone forgot to
Speaker 2: enter it, and as a result, it's automated. If you
Speaker 2: don't get paid, keep trying. I really don't think they
Speaker 2: could exist if this was their practice, you know, keep
Speaker 2: collect from people who don't want it. To me, that
Speaker 2: seems a little weird, And I don't know. I just
Speaker 2: sometimes I think, yeah, this is a bad operation. Sometimes
Speaker 2: I think, you know what, no way. Now some other stuff.
Speaker 2: Somebody called and asked about class action lawsuits. Now they
Speaker 2: just happen to ask about one against Walmart, and the
Speaker 2: deadline for filing on that is tomorrow. So if you
Speaker 2: think you have a claim, you only have until tomorrow
Speaker 2: to file a claim. Now here's what it is. Walgreens.
Speaker 2: Did I say Walmart? Because I didn't mean Walmart, I'm sorry,
Speaker 2: I met Walgreens. Walgreens. Of course, the National Pharmacy agreed
Speaker 2: to pay listen to this one hundred million dollars for
Speaker 2: allegations that the company fail fail to include it's Prescription
Speaker 2: Savings Club prices when determining cost, resulting in overcharges to
Speaker 2: insurance companies. So if you paid in whole or in
Speaker 2: part for one or more prescription drugs from Walgreens over
Speaker 2: the last several years, it's possible you have a claim. Again.
Speaker 2: You have to you have to file that claim. And
Speaker 2: the way you do it, I have a website where
Speaker 2: you can find out about these claims. Okay, the way
Speaker 2: to do it is to go to Consumer Hyphenaction dot org,
Speaker 2: look for class actions and look up Walgreens. Tomorrow is
Speaker 2: the deadline and you know people are getting checks for this,
Speaker 2: but you have to put in a claim. Three oh
Speaker 2: three seven one, three eight, two five five. Now we
Speaker 2: have more coming up on the Troubleshooter Show. I want
Speaker 2: you to get your calls in if you have a problem,
Speaker 2: question or complain. And I want to tell you about
Speaker 2: kh Holme Solutions which now has painting pros so you
Speaker 2: can depend on the sixty five year old company for
Speaker 2: painting as well. That's Khwindows dot com. Go with a
Speaker 2: sure thing Denver's Best roofer Excel Roofing dot com. You
Speaker 2: don't pay a cent until you're content. Time for an
Speaker 2: insurance check up free no obligation comparison call Compass Insurance
Speaker 2: paying too much your coverage at dozens of insurance companies
Speaker 2: find out now three O three seven to seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the real estate man dot com to
Speaker 2: list your home with Remax Alliance three oh three nine
Speaker 2: two zero sixteen twenty two. Hi Tom Martino, your troubleshooter
Speaker 2: three O three seven one three talk seven one three
Speaker 2: eight two five five. Hold on, let me get to
Speaker 2: the phones here and see if you have any problems
Speaker 2: custing your complaints. If so, give us a call. And
Speaker 2: we have Nick Gravinas with us from Gravina Windows, Siding
Speaker 2: and Doors. And I do have one other class action
Speaker 2: that I found really weird that somebody had inquired about
Speaker 2: when I looked it up. Sure's sure. Let me see
Speaker 2: where it is here, Oh A shoe warehouse DSW shoe Warehouse.
Speaker 2: Listen to this four point five million they agreed to
Speaker 2: pay to people they texted without permission, you know, by
Speaker 2: the Telephone Consumer Protection Act. Now, Dimitri, the reason I'm
Speaker 2: going to bring you into this conversation. Yeah, you're individually
Speaker 2: suing some people.
Speaker 1: Uh yeah, I am under both the the federal TCPA,
Speaker 1: which is a great strong body of law, as well
Speaker 1: as the car To Consumer Protection Act, which has its
Speaker 1: own prohibition against unsolicited spam via texts and phone calls.
Speaker 2: So tell me this, Just if they text you, how
Speaker 2: or does it have to be after you tell them
Speaker 2: to stop? Or how does it work?
Speaker 1: No, you don't have to tell them to stop. You
Speaker 1: do need to be on the do not call lists.
Speaker 1: So I'm on both the federal.
Speaker 2: And if you're on the do not call list and
Speaker 2: they text you, they have violated absolutely. And how much
Speaker 2: do you do?
Speaker 10: So?
Speaker 1: Under the Colorado law you're for one text or one call,
Speaker 1: it's five hundred dollars.
Speaker 2: Oh come on.
Speaker 1: However, it gets even better if they send you two
Speaker 1: texts or two calls. Now you can sue them under
Speaker 1: the federal statutes, under the TCPA that you just mentioned,
Speaker 1: And then it becomes fifteen hundred dollars per.
Speaker 2: Why does it have to be more than two?
Speaker 1: Well, the federal statute gives everybody a freebie.
Speaker 2: Okay, good, okay, So how much?
Speaker 7: Look?
Speaker 2: Give me an example of a claim and how much
Speaker 2: it would be against a company.
Speaker 1: Okay, well, how many unsolicited texts or calls that you
Speaker 1: get from them?
Speaker 10: No?
Speaker 2: You you the one that you're suing for. Give me
Speaker 2: an example.
Speaker 1: Well, there are several, so one of them. So let's
Speaker 1: say my cheapest case is five hundred bucks.
Speaker 2: Okay, right, what's your most expensive case?
Speaker 1: Oh that's a federal that became a federal class action suit.
Speaker 1: So actually have a law firm that specializes in TCPA
Speaker 1: suits and they're representing me in this matter.
Speaker 2: But can't you get your own?
Speaker 1: And that's so do you ask me how much?
Speaker 2: So?
Speaker 1: I believe there were twelve twelve text message from the
Speaker 1: same company from the same company times fifteen cauld.
Speaker 2: You warn them and say I'm on an all call
Speaker 2: list or anything.
Speaker 1: You're not required to do that. Both laws, both state
Speaker 1: and federal laws, require all companies that reach out to
Speaker 1: you to do telemarketing, whether it's by text or voicemail.
Speaker 1: They're required to scrub their database against the database is
Speaker 1: maintained by those who do not call it.
Speaker 2: Do you know I'm not on one do not call
Speaker 2: list and I get zero solicitations zero?
Speaker 1: Yeah, you know it could be Why is that. Well,
Speaker 1: so what happened in my case? Once I started file
Speaker 1: filing my lawsuits and I knew this was going to happen.
Speaker 1: There are people out there who scrub these lawsuits and
Speaker 1: add consumers to a certain blacklist of litigious consumers and
Speaker 1: so on of the So it could be that, I mean,
Speaker 1: you've been involved in a number of legal cases.
Speaker 2: Ye, but we never against a texture.
Speaker 1: Well, it could be that they just see your name
Speaker 1: and court records a whole bunch of times. Okay, here
Speaker 1: this guy. You know we should avoid this.
Speaker 2: People are litigious, they avoid them.
Speaker 1: Oh yeah.
Speaker 2: And same thing with death collectors. So right now, what
Speaker 2: could you collect? Are you expecting to collect anything? Has
Speaker 2: anyone ever reached out for a settlement? No?
Speaker 1: So you got to remember I just started filing in December, right, Okay,
Speaker 1: so none of these cases have come to trial. My next,
Speaker 1: my my very trial is going to be in Denver
Speaker 1: County in June against the five hundred dollars against my
Speaker 1: smallest case. Right, so, uh, I started with my smallest case.
Speaker 2: And do you think they'll show up? Uh?
Speaker 1: Yeah, Well we're kind of company, h they It's like
Speaker 1: a gosh, it's like a not a junk store. But
Speaker 1: a what do you call that company? Where a paunch.
Speaker 1: It's like a punch up for some reason that the Conde.
Speaker 1: So we had our first hearing a few weeks ago.
Speaker 1: They showed up. They really seriously did they say anything. Well,
Speaker 1: it was emotions hearing. Okay, So they filed a motion
Speaker 1: to dismiss.
Speaker 2: And it wasn't granted.
Speaker 1: Well, I filed an opposing answer to that, and the
Speaker 1: judge sided with me.
Speaker 2: And you're gonna have your hearing. Oh, this is gonna
Speaker 2: be fun to watch. Hearing more coming up. Go with
Speaker 2: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're contenth time for
Speaker 2: an insurance check up free no obligation. Comparison call Compass
Speaker 2: Insurance paying too much your coverage at dozens of insurance
Speaker 2: companies find out now three oh three seven seven to
Speaker 2: one help. You'll think you're his only customer when you
Speaker 2: choose Frank durand the Real estate Man dot com to
Speaker 2: list your home with Remax Alliance three oh three nine
Speaker 2: two zero sixteen twenty two.
Speaker 3: Ripped.
Speaker 2: You need advice, you don't have.
Speaker 3: Come running just as fast as we can Shooter's gonna help?
Speaker 14: Come man, This is.
Speaker 2: The Troubleshooter Show. No Tom Martino, Hi, Tom Martino here,
Speaker 2: Welcome to the show. Three oh three seven one three
Speaker 2: talk three oh three seven one three A two five five.
Speaker 2: Here to help you solve problems, answer questions, take complaints,
Speaker 2: and make your life a little easier. Nick Gravina is
Speaker 2: the guest in the house, and we do have some
Speaker 2: questions about siding. Someone who wanted to know, and I
Speaker 2: think I know the answer, but they wanted to know
Speaker 2: about Everlast Sighting. Now, Everlast Sighting is something I advertise
Speaker 2: for many people. They loved it and it went away.
Speaker 2: And Everlast Sighting was this sighting that was plastic polymer,
Speaker 2: threw and through, indestructible. I mean you could hit it
Speaker 2: with a sledgehammer, You're not going to hurt it. And
Speaker 2: also you could soak it in water overnight or for
Speaker 2: days at a time. Nothing ever happened to it, and
Speaker 2: the color was through and through. All of a sudden,
Speaker 2: nothing whatever happened to it. Something was wrong with it.
Speaker 2: And I don't know what it was, but I know
Speaker 2: that it doesn't It's not being sold much anymore. What's
Speaker 2: going on? With that Nick Gravina.
Speaker 6: From everything I understood, Yes, it had a great pitch
Speaker 6: to it, it had great properties to it, like you did.
Speaker 6: But I think once agoin oh, yeah, well, I think
Speaker 6: it was reacting not how they intended, because yeah, I
Speaker 6: remember that we were real excited about it as well,
Speaker 6: you know, and it has it's gone away. I don't
Speaker 6: know if they've really surfaced with it, but it just
Speaker 6: seemed like I don't know if it was waving on
Speaker 6: a wall or what, but yeah, it just kind of vanished.
Speaker 6: It was kind of crazy.
Speaker 2: Now I heard that it was doing great and it
Speaker 2: looked beautiful, but they were having some slight warping issues, right.
Speaker 6: I think it's because of the so the vinyl.
Speaker 2: Yeah, you would think though, because it was thick it
Speaker 2: would not warp, right, but one thing is but but
Speaker 2: it was or something happened to it. But again, is
Speaker 2: there anything like that or would you say the LP
Speaker 2: smart side is close to it?
Speaker 6: They're that and Hardy. Those were all similar and they
Speaker 6: were just three different materials, you know. They were all
Speaker 6: about that five sixteenth to three it's thick you know product,
Speaker 6: you know, and they were all to battle each other
Speaker 6: in the field. And but they're all very similar, just
Speaker 6: different materials. Like you said that one was a polymer.
Speaker 6: You know, the lp is is wooden and the hardiest dementuus.
Speaker 6: And again we thought that might have been the latest
Speaker 6: and greatest, and it just didn't come to fruition.
Speaker 2: Okay, three ZHO three seven one three A two five five. Also,
Speaker 2: somebody said their insurance went way way up, yet somebody
Speaker 2: they know in another county did not go up, and
Speaker 2: they were a similar family with kids and all of that.
Speaker 2: I want to ask Compass Insurance Group, if we get
Speaker 2: a chance, if you can get Brian on, do they
Speaker 2: rate by counties? Mark? Have you ever found Now I'm
Speaker 2: not talking about I'm not talking about like for hail
Speaker 2: damage and stuff like that that might be, but although
Speaker 2: we can find out about that. They were talking about liability,
Speaker 2: And what I found out is that counties are ranked
Speaker 2: for liability for death and serious injuries. But I'm not
Speaker 2: sure insurance companies follow this rating. Everyone is complaining about
Speaker 2: increased insurance rates.
Speaker 5: Okay, so big time, go ahead, Well, I mean big time.
Speaker 5: They're mean usually by zip code, it's not even by county.
Speaker 5: I mean, you can have two areas in Denver. One
Speaker 5: of them can cost a lot more because more cars
Speaker 5: get stolen there.
Speaker 2: But where you drive and where you live or drive
Speaker 2: or not hail damage? But what about injury and liability?
Speaker 2: Did you know the worst rated county in Colorado? Pueblo?
Speaker 2: I don't know where Adams? Adams, Okay, now Adams County.
Speaker 2: The multialities and injuries danger number two is El Paso. Yeah,
Speaker 2: that's what I will.
Speaker 4: Now you know.
Speaker 2: County's number three, so Adams I'll pass. Going well the
Speaker 2: top three. Denver comes in at four, Arapo County at five,
Speaker 2: Jefferson County at six, and Larimer at number seven. So
Speaker 2: they that's just a big deal now that that as
Speaker 2: far as injury. But they also keep track of speeding tickets.
Speaker 2: Did you know that insurance companies want to know where
Speaker 2: the most speeding takes place and you can actually get
Speaker 2: ding for living in an area where there's a lot
Speaker 2: of speeding. I think a lot of its income too.
Speaker 5: I think Douglas would be way up there just because
Speaker 5: the average person makes more than they do in Adams.
Speaker 5: I think that's probably a massive part of it. You
Speaker 5: mean the speeding part, No, not just speeding, just insurance
Speaker 5: in general in different areas.
Speaker 2: Oh okay, well for speeding, Douglas is number two. By
Speaker 2: the way, I'll passos number one.
Speaker 5: It says here Adams. What I don't understand I'm reading
Speaker 5: about Adams County. It probably it says here, man, this
Speaker 5: is crazy. There's more people on Medicaid, there's more people
Speaker 5: on CHIP because the income is below a certain threshold.
Speaker 5: So I think they're basically really diving into these numbers.
Speaker 5: It looks like it's based on wealthy I know, well yeah,
Speaker 5: but but but but.
Speaker 2: I'm telling you, I don't know what's going on with insurance,
Speaker 2: but something's got to change. Brian Burns is with us. Brian. Welcome,
Speaker 2: Hey Brian. How nitpicking and how far down to the
Speaker 2: hair on the nats butt does it get when raiding
Speaker 2: drivers or cars for liability or for property damage? When
Speaker 2: it comes well, not just cars but houses. I mean
Speaker 2: does the county? You can one county be substantially more
Speaker 2: than another?
Speaker 11: Yeah? Yeah, And it's it's really zip code based, is
Speaker 11: what Auto and home insurance well more more home insurance
Speaker 11: related than auto, but auto insurance for sure. Where you'd
Speaker 11: notice it is if you're if you live in an
Speaker 11: area where there's high theft rates, they'll notice the cost
Speaker 11: of the insurance. Specifically, the comprehensive side of things are
Speaker 11: more if you live in a really high density area.
Speaker 11: If you're just in a real high density area and
Speaker 11: there's more accidents, you could see you could see a
Speaker 11: higher rate for liability.
Speaker 2: What if you live in an area where there's more
Speaker 2: traffic fatalities or accidents, does that figure into it?
Speaker 11: Possibly? You know, we we can't see it on our end.
Speaker 11: It's not like there's a formula that shows kind of
Speaker 11: what why their liability costs higher. It's not noticeable. I'll
Speaker 11: tell you that because I can change zip codes, you know,
Speaker 11: within reason of the metro area, and it doesn't vary substantially.
Speaker 11: Where you'll see liability costs go up is if you
Speaker 11: have a a big vehicle, you have a big suv
Speaker 11: or a big truck. You'll notice your liability premiums are higher.
Speaker 11: Just because if you do get into an accident, you're
Speaker 11: going to cause more damage.
Speaker 14: Is the thought.
Speaker 2: Okay, So in other words, it's you don't get to
Speaker 2: see though, the individual reasons why a certain zip code
Speaker 2: is producing a certain rate.
Speaker 11: Nope, No, they don't share any of that data.
Speaker 5: The only thing that would make sense though, is actually
Speaker 5: aerials guys. I mean it's got to be off of real.
Speaker 2: Data, right, yeah, because I have the right, but he
Speaker 2: doesn't get.
Speaker 1: To see that.
Speaker 2: Yeah, of course, right. Yeah. Now, as far as zip codes,
Speaker 2: can you recall zip codes right now that are pretty
Speaker 2: reasonable and ones that are more expensive.
Speaker 11: For auto insurance you're saying, yeah, or.
Speaker 2: For or does it is that mostly for home?
Speaker 11: Well, i'd like I said, where you'll see the auto
Speaker 11: rates go down, it's when you're in a very more
Speaker 11: rural area and where there's not there's not many vehicles
Speaker 11: around you. You'll notice those kind of zip codes some
Speaker 11: of the outskirts of town. The auto insurance, okay, it's
Speaker 11: less there's home insurance. The West, you know, like the
Speaker 11: Western Slope is less expensive and easier to get insurance
Speaker 11: because they don't deal with hail.
Speaker 5: Okay, So there's there's areas like eight zero one one
Speaker 5: three that are really sketchy.
Speaker 11: Yeah, when you get in the fire, any kind of
Speaker 11: fire issue, if they think it's.
Speaker 2: What's eight zero one one three, By the way, what
Speaker 2: is that your zip code? No it isn't. Mine's not
Speaker 2: eight zero one one three I thought it was damn
Speaker 2: oh no, I would need more.
Speaker 11: I'd be closer to to look up mark zip code
Speaker 11: because he lives in uh in an area that is
Speaker 11: considered a little bit higher fire risk. But like if
Speaker 11: you were to go to Morrison, that's a it's a
Speaker 11: more you know, difficult place to get insurnch right now.
Speaker 11: For sure, Evergreen, any of those areas where there's a
Speaker 11: high fire risk, it's really difficult.
Speaker 2: By the way, I had a text I was going
Speaker 2: to call you about. Now that you're on for this,
Speaker 2: I want to ask about it. If people put their
Speaker 2: homes up for sale or leave their homes vacant for
Speaker 2: a long period of time, does their homeowners can their
Speaker 2: homeowners refuse to pay something.
Speaker 11: Well, yeah, you lose some coverages. Specifically, vandalism goes away
Speaker 11: if your house is taken for more than sixty days.
Speaker 1: That's not really yeah, And.
Speaker 11: That's every policy I've ever seen, at least that's stated
Speaker 11: in there. And then also if your house is vacant
Speaker 11: and you have not maintained heat, they can deny coverage
Speaker 11: for like a water loss or you know, if a
Speaker 11: freezing pipe, that kind of thing. They can deny coverage
Speaker 11: from that.
Speaker 2: Real. Okay, So when you put your house up for
Speaker 2: sale and you're literally moving into another home, do you
Speaker 2: need to change your coverage or call your agent on anything.
Speaker 11: There's a little bit of leeway there, I mean, and
Speaker 11: you could talk to your agent, but I mean, I
Speaker 11: most underwriters understand. What they'll do is they'll just set
Speaker 11: it to non renews So however much longer you have
Speaker 11: on your term, they'll say, hey, we can stay on
Speaker 11: this until renewal. And if it's still not sold by
Speaker 11: renewal time, then you have to look into what's called
Speaker 11: a vacant home policy and you can you know, you
Speaker 11: can ensure your home in one of those kind of policies.
Speaker 2: Now, listen, we know that the clue report is like
Speaker 2: a credit report on insurance. It tells insurance people how
Speaker 2: many claims have been claimed. Does it go buy address
Speaker 2: or somebody's name. Is there a clue report for Tom
Speaker 2: Martine or would it be on my address? Both?
Speaker 11: It searches for both. So when the clue report comes
Speaker 11: up at very well, might report a claim you had,
Speaker 11: but it will list it at whatever address it was
Speaker 11: that where this claim occurred. But then it will also
Speaker 11: show the claims at the home itself.
Speaker 2: If I then have had a number of insurance claims,
Speaker 2: By the way, I haven't, But if I did, could
Speaker 2: I become like a credit risk for insurance, like you know,
Speaker 2: like with credit reports. If I have nonpayments or defaults,
Speaker 2: I don't get credit. Do clue reports look at me
Speaker 2: and say, this guy's had a lot of freaking claims.
Speaker 11: Oh, well, yeah, you're you're definitely. Yeah. It's hard to
Speaker 11: get insurance if you have more than two home claims
Speaker 11: in the last five years. Right now in the insurance market,
Speaker 11: we're in Wow, more than two claims in five years.
Speaker 11: It's harder. Doesn't mean it's impossible. It's harder to find
Speaker 11: insurance though, you know.
Speaker 2: Brian, a really important aspect. And as I said, I'm
Speaker 2: bringing up some emails I've had on insurance since you're here,
Speaker 2: and that one that really comes up all the time.
Speaker 2: And I don't know what to tell people. They're in
Speaker 2: a condo and they're finding it very, very difficult to
Speaker 2: get insurance and the insurance they need because of the
Speaker 2: the hoa's carrying less insurance. Do you know what I'm
Speaker 2: talking about?
Speaker 11: Yeah, So a lot of hoas and it's not because
Speaker 11: they're choosing to do this, and it's just it's almost
Speaker 11: impossible to find insurance that doesn't have a really large
Speaker 11: deductible for wind and hill claims. So what they're what
Speaker 11: they're doing is they'll they'll pay the claim. The HOA
Speaker 11: won't have the money for the deductible, so they'll do
Speaker 11: what it's called a special assessment to each unit owner.
Speaker 11: So right right, a condo, you you've got to make
Speaker 11: sure that your condo policy has an endorsement called loss
Speaker 11: assessment coverage, and you really need to make sure you
Speaker 11: have enough to cover you based off of the deductible
Speaker 11: size of your HOA. But I'm finding that the norm
Speaker 11: is definitely over ten thousand, but closer to twenty five thousand,
Speaker 11: that it's still an affordable coverage on a condo policy.
Speaker 11: I am positive that's going to change at some point,
Speaker 11: because all that's happened is that these commercial insurance policies
Speaker 11: have pushed the risk onto a personal policy that costs
Speaker 11: so little. I mean, loss assessment coverage, you know, to
Speaker 11: get twenty five thousand might only cost you fifty sixty
Speaker 11: bucks a year, and it's now becoming the most common
Speaker 11: claim I see on condo policies, so wow, sure that's
Speaker 11: not going to be around forever, else they'll start capping it.
Speaker 11: But as of now, you would want to make sure
Speaker 11: two things. One that you have loss assessment, but then
Speaker 11: you need to ask your agent to make sure that
Speaker 11: the company you're with doesn't limit it if it's the
Speaker 11: result of an HOA deductible. As strange as that sounds,
Speaker 11: a lot of loss assessment language will say, hey, you're
Speaker 11: covered for twenty five thousand a loss assessment unless it's
Speaker 11: the results of an HOA deductible, in which case we're
Speaker 11: only going to pay five thousand or ten thousand, whatever
Speaker 11: that is. But there's a separate limit based and it's
Speaker 11: only in the verbiage of the policy, so people don't
Speaker 11: realize it. So you've got to make sure your policy,
Speaker 11: your loss assessment isn't limited based off of an HOA deductible.
Speaker 2: And by the way, Brian, I'm hearing some hoa's are
Speaker 2: literally needing to be self insured because they can't find coverage.
Speaker 2: That's for the wind in hell part of it.
Speaker 11: Yeah, or they're just disbanding the insurance altogether and telling
Speaker 11: if it's a town home. I see this all the time.
Speaker 11: Now they're saying, hey, everybody just needs to get their
Speaker 11: own homeowners insurance. It's not even condo insurance anymore. It's
Speaker 11: not an HO six, it's what's called an h O three,
Speaker 11: where you're covering the exterior. So they're making it to
Speaker 11: where we're not even going to carry insurance on these
Speaker 11: buildings anymore. We're gonna rely on you.
Speaker 4: To do that.
Speaker 11: But you can't do that if it's a condo, if
Speaker 11: you have people above and below you, there's no way
Speaker 11: to convert that to where the unit owners can buy
Speaker 11: insurance for the exterior.
Speaker 2: All right, Brian, thank you very much. Brian Burns, Compass
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Speaker 2: three oh three nine two zero sixteen twenty two. Hi
Speaker 2: Tom Martinez here three three seven, one three eight two
Speaker 2: five five. Welcome to the show. Hey Mark, did you
Speaker 2: know there's a town hall today from six to eight
Speaker 2: from the Attorney General Phil Wiser. Guess what he's doing.
Speaker 2: I have no idea. Okay, he's gonna declare a woman
Speaker 2: is a woman. No, he'll never do that. Oh, phil
Speaker 2: Weiser is having Oh this is crazy. He's having a
Speaker 2: town hall. Now, let me explain something to you. Attorney
Speaker 2: General Phil Weiser has had more consumer complaints come from
Speaker 2: US than anywhere as far as finding fraud, finding reasons
Speaker 2: to investigate. And what has Phil Wiser done when we
Speaker 2: have given them leads on consumer fraud and actions that
Speaker 2: have turned out to be major? What has he done?
Speaker 2: I'm going to report right now. Here's what he's done. Ready,
Speaker 2: here we go. Crickets, that's what he's done. But he
Speaker 2: has found a reason to have a town hall event
Speaker 2: with the attorneys general from Hawaii, Nevada, and Washington. They
Speaker 2: are mobilizing about lawsuits against Trump. That's what they're doing.
Speaker 2: They're having a town hall tonight for every progressive that
Speaker 2: wants to get on there and do a mental masturbation
Speaker 2: on why they should sue Trump for his illegal actions,
Speaker 2: and they I want to hear from people who have
Speaker 2: been negatively impacted by the Trump administration. Now, can you
Speaker 2: believe this? This is their consumer issue right now? People
Speaker 2: negatively impacted by the Trump administration. Why do you think
Speaker 2: they picked the Washington Attorney general, the Nevada attorney general,
Speaker 2: the Hawaii turner General, and then of course Phil Unwiser.
Speaker 2: Why do you think why do you think Phil Unwiser
Speaker 2: would do this? Is there that much impact on people
Speaker 2: negatively affected by Trump?
Speaker 13: Well?
Speaker 2: I have given Phil Weiser's office people negatively affected by liars, cheaters,
Speaker 2: and ripoffs every single day that pollute our state. What
Speaker 2: has Phil Wiser done with that? What do you think
Speaker 2: he's done? There we go, there we go? So what's
Speaker 2: going on in that office? Phil Unwiser? Thank you for
Speaker 2: your town hall meeting. God knows we could not get
Speaker 2: along without it. So Mark, what do you say? How
Speaker 2: have you been negatively impacted by the Trump administration? In fact,
Speaker 2: I invite any caller to call me right this second
Speaker 2: and tell me how they've been negative.
Speaker 5: Snack hasn't been exactly kicking ass anymore, so I'll throw
Speaker 5: that dart at him.
Speaker 2: All right, All right now, Peter, what is your question
Speaker 2: about insurance? Peter? Go ahead.
Speaker 7: I was just listening to your conversation I just had
Speaker 7: turned on the radio about about the counties like Adams.
Speaker 7: When you're saying it's based on yes on uh, okay.
Speaker 7: My problem is is that in that county I believe
Speaker 7: they have the most un sure motorists and uninsured You
Speaker 7: know what, I.
Speaker 2: Didn't actually look up. I don't know how to look
Speaker 2: up that matrix. Hey, is Brian still on? Brian Burns
Speaker 2: with Compass insurance? Brian? You's still there? Is he still there? Kelly?
Speaker 2: Or not?
Speaker 14: He should be?
Speaker 2: Okay? Okay, Brian. Is there a way to look up
Speaker 2: the most uninsured motorists? Yeah? Is there a way to
Speaker 2: look up the counties with the most uninsured motorist coverage?
Speaker 2: I can hear you.
Speaker 11: Okay, I don't Again, they don't give us the information
Speaker 11: of how they come up with it. But do you
Speaker 11: do see swings in the cost of uninsured motorists based
Speaker 11: off of zip codes? It's not dramatic though, Tom, because
Speaker 11: as you can imagine it doesn't matter if I live
Speaker 11: in Jefferson County, I could be driving through Adams County
Speaker 11: every day. It doesn't It doesn't really matter. So you
Speaker 11: just don't see huge swings based off a zip code
Speaker 11: for those kind of coverage.
Speaker 5: But it wouldn't it make a pretty big difference. So
Speaker 5: between like Denver, like Denver, Denver, and say somewhere in
Speaker 5: Douglas County. I mean, like for real, you don't think
Speaker 5: there's a big difference there. Don't more cars get stolen
Speaker 5: by far in Denver Brian than they do in Douglas's
Speaker 5: That's what I'm saying.
Speaker 11: The only area I really notice a difference is usually
Speaker 11: like on the collision or comprehensive because it could be
Speaker 11: that your how your car is sitting there more like
Speaker 11: at night. I'm saying from a liability and uninsured motorists standpoint,
Speaker 11: you just don't see huge swings because just because you're
Speaker 11: you're located, if your home is in a certain area,
Speaker 11: it doesn't mean that's where you drive all the time.
Speaker 11: You could be driving anywhere, So it just it. I
Speaker 11: don't think they tell everybody starts using the uh the
Speaker 11: tracking system, you know where they're able to tell where
Speaker 11: you're at and what you know, what your drives are,
Speaker 11: which a lot of carriers are going to that at
Speaker 11: that point, maybe you'll see it start rating it more
Speaker 11: specifically of where your car is throughout the day.
Speaker 2: You know, Brian, I predict and I've said this before my.
Speaker 7: Question, go ahead, it doesn't He didn't really address my
Speaker 7: my question. I don't think it was clear enough. I
Speaker 7: think the uninsured rates, especially the way the Colorado as
Speaker 7: uh and their laws and you talk about Phil Wiser,
Speaker 7: et cetera, is the same. Okay, their lack of really
Speaker 7: following through like the state legislature. Now anybody can get
Speaker 7: a driver's license, but they don't talk about the insurance.
Speaker 7: And my uninsured uninsured motorists when I'm with Compass has doubled.
Speaker 7: I believe it's pretty high over the years. It's just ridiculous.
Speaker 7: And uh, what we're doing. What we're doing is we're
Speaker 7: paying for these feel good masures without any replicat.
Speaker 2: Uh.
Speaker 7: You know, it's generally applied to everybody in the state
Speaker 7: of Colorado.
Speaker 14: Away.
Speaker 11: No, you're right, You're right, absolutely, you know, and you
Speaker 11: end up paying the people that are responsible end up
Speaker 11: carrying high liability limits to cover other people, but then
Speaker 11: have to turn around and cover high uninsured motors limits
Speaker 11: for themselves because there's so many people that aren't carrying.
Speaker 5: Insurance, and because first of all, we don't punish anything.
Speaker 5: If you drive around with out insurance. What happens, Nothing
Speaker 5: happens to you.
Speaker 2: You don't get you know what I've always thought. I've
Speaker 2: always thought there should be some kind of road tax
Speaker 2: based on how many miles you drive, and everyone should
Speaker 2: pay it into the state for a basic liability coverage
Speaker 2: basic liability. So everyone has a state fund for basic
Speaker 2: liability with certain limits. Then you have everyone insured. If
Speaker 2: people want to cover more, they can, and people will
Speaker 2: cover more. People who are rich or people that are
Speaker 2: worth more that need to protect their net worth, they
Speaker 2: will carry more insurance and problem is solved. Problem is solved.
Speaker 2: You don't pay the tax, you don't drive, you get
Speaker 2: your driver's license, you pay based on what you drive
Speaker 2: a year. You pay a freaking road tax, which goes
Speaker 2: to basic liability. It is the fairest thing you could
Speaker 2: ever do in the world. Of course, I'm sure there
Speaker 2: are those that will call it racist because of who
Speaker 2: knows why, Because that's what they're programmed for racist, racist racist.
Speaker 2: If something goes you know, they don't like racist. And
Speaker 2: so anyway, I did look up on insured motorists. The
Speaker 2: most are in Swatch County.
Speaker 7: What Tom, the biggest problem that I see? You have
Speaker 7: a law out there, say, in order to have a car,
Speaker 7: you have to have to get a license on your car,
Speaker 7: you have to have insurance, and you show it. After
Speaker 7: you show the insurance, they cancel it and we're left out.
Speaker 11: Number one.
Speaker 2: Number two is that, yeah, but my my my solution
Speaker 2: would cover that. No, it would not.
Speaker 7: Do you have a law out there right now that's
Speaker 7: not being enforced. Number one Number two is is that
Speaker 7: when you look at uninsured motorists, Okay, their policies the
Speaker 7: bare minimum people have to drop because they can't afford it.
Speaker 7: They're dropping their liability down to twenty five thousand.
Speaker 2: I don't know he is right, and I'm sorry, I
Speaker 2: don't know what I don't know what you mean, Peter,
Speaker 2: there would be I don't know what you mean when
Speaker 2: you say my solution wouldn't work. I'm proposing a road
Speaker 2: tax based on the number miles driven a year that
Speaker 2: will give you basic liabilities. Saying can not help.
Speaker 5: We already have those on the books and they're not enforced.
Speaker 5: What he's saying is what good would it? What's not
Speaker 5: charge it?
Speaker 2: We don't have any basic liability on the books for
Speaker 2: road tax. Tell me what you're talking about.
Speaker 5: For insurance right now? In order to drive in Colorado
Speaker 5: in a car, legally you have to have the minimum
Speaker 5: of twenty five to fifty insurance.
Speaker 2: But there's SR teeth there. You don't get thrown in
Speaker 2: your right. But what I'm talking about is a tax
Speaker 2: is a different story. Would you don't have what would
Speaker 2: you pay it on?
Speaker 5: Joe blow is going to report that he drove eight
Speaker 5: hundred and seventy five miles this week instead of reporting
Speaker 5: he drove a three.
Speaker 1: I have a foolproof way of doing it. Just added
Speaker 1: to the fuel tax.
Speaker 5: Well, kab And I'll never pay taxes. Then I'll never
Speaker 5: pay a road tax ever, Dimitri and either will do.
Speaker 1: To solve right, So the small minority of the vehicles
Speaker 1: that are electric will be subjected to some other mechanism.
Speaker 1: But I think my idea just solved ninety percent of
Speaker 1: the problem.
Speaker 2: Now there's got to be a way more expensive gasol
Speaker 2: answer Mark, Mark, Maybe we have to come up with
Speaker 2: a better way of paying it. But I'm saying, a centralized,
Speaker 2: centralized common liability policy for all drivers, a basic liability,
Speaker 2: and then we charge every driver, whether it's when they
Speaker 2: get their license or whatever. You pay the fee, or
Speaker 2: you don't drive. Maybe that's what we want.
Speaker 5: Even when you they don't do anything. Now without they
Speaker 5: could easily narrate right now they do not. If you
Speaker 5: get caught without insurance, you spend thirty days in the slammer.
Speaker 2: That would solve this problem. No, you're right, it's not enforced.
Speaker 2: I totally agree. We got more coming up. Go with
Speaker 2: a sure thing Denver's Best roofer Excel Roofing dot com.
Speaker 2: You don't pay a cent until you're content. Time for
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Speaker 2: home with Remax Alliance three oh three nine two zero
Speaker 2: sixteen twenty two. All right, let's talk to Jeremy Jeremy,
Speaker 2: go ahead. What's going on, Jeremy, Tom, how you doing today,
Speaker 2: good man? What's happening?
Speaker 16: Hey, brother? So your friend Paul over water Proost told
Speaker 16: me to give you a call. So basically, loose en ja.
Speaker 16: I got a landlord who's turning to a bully and
Speaker 16: who enjoys putting fingers in people's faces and illegally kicking
Speaker 16: them out. Because all I wanted was for this man
Speaker 16: to please make sure our water was safe. I had
Speaker 16: our water professionally tested at a lab and is come
Speaker 16: back with radon in it, back, tarry in it, let
Speaker 16: in it, and a few other things. And when the
Speaker 16: landlord is made aware of this stuff, he does nothing
Speaker 16: but laughs in my face, puts his sting.
Speaker 9: In my face.
Speaker 2: Okay, I'll tell you why, Jeremy. Let me tell you why.
Speaker 2: And I'm not saying this is legit, but I'm going
Speaker 2: to tell you why. Either he thinks you're a nut
Speaker 2: because you had your water tested and he doesn't believe
Speaker 2: in that kind of stuff, or he thinks you're just
Speaker 2: looking for trouble. Now do I doubt that there is
Speaker 2: water that is not worth drinking? Absolutely, But here's the problem.
Speaker 2: You're going to find, Jeremy, You're not going to find
Speaker 2: any judge in America that will uphold safe drinking water
Speaker 2: as a standard of habitability. I'll guarantee you that if
Speaker 2: you try to bring in action against this landmord based
Speaker 2: on that water test, you'll be laughed out of court.
Speaker 2: Do I think that's right?
Speaker 12: No.
Speaker 2: Technically, if you have your water tested and it's undrinkable,
Speaker 2: truly undrinkable, then you have a good case. But what
Speaker 2: are you looking for? Because the most that will happen
Speaker 2: is that you get to move and break your lease?
Speaker 2: Is that what you want? You're not going to force
Speaker 2: him to change the water. You're just going to get
Speaker 2: a release from your.
Speaker 9: Lease, Okay, basically, And I tell yeah, I wanted to
Speaker 9: leave the right way, but the way he has turned,
Speaker 9: he has turned hostile though against me.
Speaker 16: We're talking having.
Speaker 2: Because he thinks you're he listen, he thinks you're a troublemaker.
Speaker 2: That's all it is. I'm not saying you are, but
Speaker 2: he thinks you are. Anybody that gets the water tested
Speaker 2: and goes to the landlord and says, I demand you
Speaker 2: make our drinking water safe, they're going to react the
Speaker 2: same way because nowadays, it's not a standard. It's not
Speaker 2: something people look at and they're not gonna believe you either.
Speaker 2: They're gonna think it's some water guy trying to sell
Speaker 2: you a filtration system. And I know that's not the case,
Speaker 2: but that's what they're going to think. So I would
Speaker 2: say nine out of ten, I would say nine out
Speaker 2: of ten landlords, if you went to them and said
Speaker 2: I had our water tested and I demand you bring
Speaker 2: our water up to safe standards, nine out of ten
Speaker 2: of them will laugh you out of the place.
Speaker 16: That's just something something about that seems right that uh,
Speaker 16: someone can just act like that and purposely annoying.
Speaker 1: That's right, and.
Speaker 16: Just because does not get sick at that moment. Something's
Speaker 16: wrong with the laws to the point.
Speaker 2: Where Jeremy, Jeremy, well, what should not be allowed?
Speaker 16: I mean, from my understanding from if you buy a
Speaker 16: house and it's got a well on it, you cannot
Speaker 16: buy it unless that well water is safe? Why and good?
Speaker 2: That's right. No, No, that's that's not true. That's not true, Jeremy,
Speaker 2: that's not true at all. You can buy that house
Speaker 2: with the most dangerous water in the world. That is
Speaker 2: not true. What you can't do is get a loan
Speaker 2: on that house, but you can buy it all day long.
Speaker 2: What listen, and that's a well water And the only
Speaker 2: reason the bank cares about that water is so if
Speaker 2: they have to foreclothes on the house, they can sell it.
Speaker 2: It's not for your health. No one cares about your health.
Speaker 2: I know that sounds crazy, but it's the truth. Okay,
Speaker 2: drinking water is critical, but no one is hip to it.
Speaker 4: Yet.
Speaker 2: You can't make your landlord change the water. What I'm
Speaker 2: telling you is if you don't like the drinking water
Speaker 2: where you live, then you can get out of your
Speaker 2: lease and move somewhere else and we can help you.
Speaker 2: How would the landlord change it anyhow.
Speaker 5: By putting in a water system? Just put in you know,
Speaker 5: he could put in a filtration to me, it seems
Speaker 5: like but they're not going to do it. This guy's
Speaker 5: beef is with the municipality or the water board.
Speaker 16: Well well, wait, let me say something. Because my landlord
Speaker 16: took such a sense that I even offer to help
Speaker 16: him do it for free because of what I do
Speaker 16: for a living. He legally tried to have me to
Speaker 16: evict it, and the court said, you can't do this
Speaker 16: but the good my heart of having ability stand in
Speaker 16: the court and all right.
Speaker 2: We got to take a break. I'm sorry, we got
Speaker 2: to take a break. Go with a sure thing Denver's
Speaker 2: best roofer Excel Roofing dot com. You don't pay a
Speaker 2: cent until you're content, Wait time for an insurance checkup free,
Speaker 2: no obligation. In comparison, call Compass Insurance paying too much
Speaker 2: your coverage at dozens of insurance companies find out now
Speaker 2: three oh three seven seven to one help. You'll think
Speaker 2: you're his only customer when you choose Frank durand the
Speaker 2: real estate Man dot com to list your home with
Speaker 2: Remax Alliance three oh three nine two zero sixteen twenty
Speaker 2: two