WEBVTT

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<v Speaker 1>Ripped up.

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<v Speaker 2>Need ad. That's who you don't have.

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<v Speaker 3>Come run in just as fast as we can. Shooter's

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<v Speaker 3>gonna help come.

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<v Speaker 4>Dix is the Troubleshooter Show. No Tom Martino, Hey.

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<v Speaker 2>Tom Martino here, Welcome to the show. Three oh three

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<v Speaker 2>seven one three talk seven one three, eight two five five.

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<v Speaker 2>Get your calls in. We'll solve problems, we'll answer questions,

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<v Speaker 2>we'll take complaints. We'll make your life just a little easier.

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<v Speaker 2>So what's going on in your life? Anything we can

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<v Speaker 2>do to make it easier. Let us know one thing

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<v Speaker 2>I want to mention because I got a text about it.

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<v Speaker 2>Somebody entered a free trial. I want to know why

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<v Speaker 2>the monthly payments for showing up free trials have we have?

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<v Speaker 2>We not caught on to that. Free trials automatically revert

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<v Speaker 2>to monthly payments if you agree to that. And most

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<v Speaker 2>free trials are just that. They're a free trial hoping

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<v Speaker 2>you won't cancel. So you need to go back and

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<v Speaker 2>look at your trials. You need to keep track of

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<v Speaker 2>your trials. Put them on a calendar. Put them on

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<v Speaker 2>a calendar so you can keep of them and cancel them.

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<v Speaker 2>This is common sense, right, Three oh three seven one

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<v Speaker 2>three talk seven one three, eight two five five. Welcome

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<v Speaker 2>to the show. Is Major Mark Major on today? Did

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<v Speaker 2>you get the uh? Okay, do you got the camera

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<v Speaker 2>up and running? I'll put that.

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<v Speaker 5>Up that I'm not sure, Kelly, shut that up. I

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<v Speaker 5>walked into the city right.

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<v Speaker 6>As it is.

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<v Speaker 2>I'm I'm going to transition to that. And as you'll see,

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<v Speaker 2>I've shut up, Shannon, I see, I see. Uh. Now

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<v Speaker 2>we have everybody up and running them Nick Gravina and

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<v Speaker 2>we have Nick from Gravina's Windows Siding indoors nine to

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<v Speaker 2>fifty West Evans. Then we have Deputy Bowl over here

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<v Speaker 2>today along with Deputy d So. Welcome to the show everyone,

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<v Speaker 2>And first of all, do you guys have any follow ups?

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<v Speaker 2>Any deputies have any follow ups? Yes? No, maybe, And

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<v Speaker 2>then we'll move on.

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<v Speaker 1>Guys, what do you got d Well? You know, still

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<v Speaker 1>waiting to hear back from a couple of a couple

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<v Speaker 1>of businesses that are of concern, you know, the Hidden

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<v Speaker 1>Lake apartments. This lady Katie called us yesterday and she

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<v Speaker 1>alleged bed bugs and cockroaches.

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<v Speaker 2>So she was moving in. She had only rented it

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<v Speaker 2>twelve days ago. She's in the process of moving in

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<v Speaker 2>and she saw two dead cockroaches and assumed there was

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<v Speaker 2>a major infestation.

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<v Speaker 1>Well, and the more troubling part of her allegation, we saw,

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<v Speaker 1>she's an allegiant.

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<v Speaker 2>I can hear you in the background, okay.

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<v Speaker 1>And when she went to the management office to inquire

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<v Speaker 1>about the cockroach infestation, there was a lady over there who,

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<v Speaker 1>according to our caller, was crying because she was getting

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<v Speaker 1>bitten by bedbugs to the extent that she couldn't go

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<v Speaker 1>to work for some reason.

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<v Speaker 2>So so, in any case, well Hidden Valley apartment, did

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<v Speaker 2>you get through to them?

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<v Speaker 1>I did, you know. I left them a voicemail and

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<v Speaker 1>I exchanged the several emails, and what do they say?

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<v Speaker 1>He said that somebody will get back to me on this,

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<v Speaker 1>and I said, look, we just want to get some

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<v Speaker 1>input into this matter, and we'd love to help Katie

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<v Speaker 1>cancel that lease without any penalties, because it sounds like

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<v Speaker 1>they want four thousand bucks from her just for not

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<v Speaker 1>moving in. And man, I really feel for this, ladies.

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<v Speaker 1>I would hate to move into a place that's got

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<v Speaker 1>cockroaches and bed bugs. I would definitely I would definitely

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<v Speaker 1>stay away, you know if that was me.

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<v Speaker 2>Okay, now call us with any problem you might have.

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<v Speaker 2>Three h three Martino is a good number two because

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<v Speaker 2>you can call that twenty four to seven freight forwarding. Tom.

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<v Speaker 2>I got an offer for a job, and I think

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<v Speaker 2>I heard you talk about this once. All they said

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<v Speaker 2>is I have to receive packages from a distributor and

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<v Speaker 2>then send them to the end user. And I asked them,

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<v Speaker 2>why would you have to do that? Why can't the

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<v Speaker 2>distributor send them to the end user? And there was

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<v Speaker 2>no good excuse or explanation for that. Why because it's

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<v Speaker 2>called the freight forwarding scam. Here's what they do. The

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<v Speaker 2>scam involves ordering stuff on stolen credit cards or fraudulently.

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<v Speaker 2>So they order computers or cell phones or cameras or anything.

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<v Speaker 2>They order stuff online, they use stolen credit cards, They

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<v Speaker 2>send the stuff to you. What could go wrong? You

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<v Speaker 2>now package it in another box and send it out

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<v Speaker 2>to the end user. The end user is the guy

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<v Speaker 2>that just scammed you or the woman that just scams you.

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<v Speaker 2>So what happens when they investigate the stolen credit card

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<v Speaker 2>it looks like whoops. You receive stolen merchandise or merchandise

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<v Speaker 2>purchased with stolen credit cards, and you say, wait a minute,

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<v Speaker 2>I didn't steal this stuff. I simply had a job

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<v Speaker 2>forwarding it to the end user. Very seldom will investigators

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<v Speaker 2>look beyond you and they charge you. You could get arrested.

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<v Speaker 2>It absolutely happens, and you have to be very very careful.

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<v Speaker 2>What were you going to say to you?

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<v Speaker 7>Oh?

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<v Speaker 1>I was just going to say, what an old scam.

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<v Speaker 2>Oh you've heard of it before.

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<v Speaker 1>Oh it's been going on for many, many, many years.

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<v Speaker 1>And yeah, so you get caught holding the bag and

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<v Speaker 1>it's good luck trying to prove you're not the actual

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<v Speaker 1>scammer who used the stolen credit card. Right, I have

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<v Speaker 1>another scam if you want, just found out about a

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<v Speaker 1>couple of days ago. If you're ahead, So your mutual

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<v Speaker 1>our mutual friend, yours and mine kimberly up the clinic

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<v Speaker 1>and one of their customers a few days ago reported

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<v Speaker 1>calling the clinic and the call was actually answered by

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<v Speaker 1>a man with a heavy Indian accent, and he said,

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<v Speaker 1>we're very sorry about the extended whole time. In order

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<v Speaker 1>to compensate you for it, would like to send you

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<v Speaker 1>one hundred dollars for your time. Man. Please have your

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<v Speaker 1>bank account where you'd like this. Yeah, yeah, or you'd

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<v Speaker 1>like this the positive.

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<v Speaker 2>So when you give your bank account information at a

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<v Speaker 2>routing number, what you're doing is giving them a key

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<v Speaker 2>to your bank.

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<v Speaker 1>Well you may as well just hand them the cash.

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<v Speaker 1>You're done. So the lady was smart enough to figure

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<v Speaker 1>out it's a scam, and she reported it to Kimberly's

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<v Speaker 1>clinic And they've been investigating this for a couple of days.

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<v Speaker 1>And what it turned out to be. They thought their

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<v Speaker 1>number had been hijacked by the scammers. But what it

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<v Speaker 1>turned out to be is the lady who called the

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<v Speaker 1>clinic accidentally put in the wrong area code and there's

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<v Speaker 1>and it just happens to be a number set up

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<v Speaker 1>by scammers to capture wrong number calls. And this is

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<v Speaker 1>their scam. I mean, what are the odds?

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<v Speaker 2>So when you call a wrong number thinking it's close

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<v Speaker 2>enough that they pretend they're the person, they.

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<v Speaker 1>Pretend like you've reached the right business and they'd like

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<v Speaker 1>to get you one hundred dollars for your inconvenience for

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<v Speaker 1>the extent a whole time.

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<v Speaker 2>Wow, what a scam.

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<v Speaker 1>But what are the odds these people are sitting there

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<v Speaker 1>harvesting wrong number calls. That's a hard way to make

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<v Speaker 1>a living.

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<v Speaker 2>All right, I have a question for Nick that just

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<v Speaker 2>came in on windows. It didn't just come in. It

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<v Speaker 2>came in the other day, but I remembered I had it.

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<v Speaker 2>Nick Gravenus with us from Gravenus Windows. Here's the question. Hey,

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<v Speaker 2>so somebody wants to know is there really a payoff

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<v Speaker 2>going from double pain to triple pain? Now? I haven't

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<v Speaker 2>heard much about triple pain. Are they pretty plentiful? Are

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<v Speaker 2>they popular?

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<v Speaker 1>Nick? What about them?

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<v Speaker 2>Yes?

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<v Speaker 6>I mean, you know, it goes either way on it.

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<v Speaker 6>You know, it's really about the setup of your house itself.

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<v Speaker 6>You know, if we're talking, you know, an older home

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<v Speaker 6>that has trees around and you know, maybe doesn't have

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<v Speaker 6>insulation in the ceiling or the walls, you know, it

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<v Speaker 6>may help more. You take a newer house and you

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<v Speaker 6>know you have all the insulation and everything else, you know,

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<v Speaker 6>with tons of sun exposure. I mean, it's possible to

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<v Speaker 6>help too. But there's so many variables between a house

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<v Speaker 6>from nineteen hundred to a twenty twenty halves.

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<v Speaker 2>But in general, in general double to triple.

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<v Speaker 6>They are more efficient at work. Yep, it can be, Yes,

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<v Speaker 6>it really can be. Again, it's it's really about the

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<v Speaker 6>setup of the house and the user and where they

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<v Speaker 6>face and you know, all that stuff comes a factor.

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<v Speaker 2>Okay, So as far as E what is this mirror?

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<v Speaker 2>E mirror or what do they call it?

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<v Speaker 6>Lowings?

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<v Speaker 2>Low E coding? What about it?

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<v Speaker 6>Yeah? So low massivity is what it stands for. It's

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<v Speaker 6>it's you know, silver oxide. It's sprayed on. So it's

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<v Speaker 6>basically almost like tenfoil for your windows that you can

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<v Speaker 6>see through. And then it depends on how many coats

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<v Speaker 6>of that we put on. That is how it performs

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<v Speaker 6>as they work. That does does the coating work? Oh yeah,

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<v Speaker 6>Loie's you know amazing, It's it's fantastic. So if you

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<v Speaker 6>have tons of sun coming in, yeah you can. You

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<v Speaker 6>can really get it to where it blocks the the

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<v Speaker 6>heat out.

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<v Speaker 2>Thank you. Danny call her Danny. You worked with Nick

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<v Speaker 2>on a window issue. What was this window issue? Had

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<v Speaker 2>you called me before, Danny?

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<v Speaker 8>No, that was the first time I'd ever called you.

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<v Speaker 2>Yeah, but that's what it was. Then what was the issue?

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<v Speaker 8>The issue is that was the issue. They put the

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<v Speaker 8>windows in my house, which is a passive solar house.

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<v Speaker 6>So she had renewal by Anderson out and she had

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<v Speaker 6>purchased windows through renewled by Anderson. She called in a

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<v Speaker 6>couple probably about two months ago, sending some pictures. Had

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<v Speaker 6>some moisture issues, she mold issues, dust issues. I offered,

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<v Speaker 6>Mark got me on the area.

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<v Speaker 2>And we and and Mark said, hey, let's go out

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<v Speaker 2>there right and see what you find. What did you find?

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<v Speaker 6>So she has a passive solar house. There's not many

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<v Speaker 6>in Colorado, you know. And if you don't know what

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<v Speaker 6>a passive solar house is, you know, especially with windows,

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<v Speaker 6>is that you need clear glass. You want to let

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<v Speaker 6>all the sun raise in. There's usually some source of

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<v Speaker 6>you know, concrete clay that absorbs the heat over time

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<v Speaker 6>throughout the day, and then that heat releases through the

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<v Speaker 6>concrete the clay, whatever method you have, right, and it

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<v Speaker 6>heats the home for the rest.

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<v Speaker 2>And you can have air moving through it as well

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<v Speaker 2>and circulate it to other parts of the house.

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<v Speaker 6>Right. So Renewal By Anderson had sold her new doors

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<v Speaker 6>and windows, which they installed just fine. But they gave

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<v Speaker 6>her a glass that had the most heat reflectant coating

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<v Speaker 6>on it, which is exactly opo, just.

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<v Speaker 2>The opposite of what you need.

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<v Speaker 6>Right. And so when I went up there, the first time.

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<v Speaker 6>You know, I was up there for three hours with

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<v Speaker 6>her and her husband went over everything again. They the

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<v Speaker 6>installation of the windows, I think was was was was

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<v Speaker 6>great really, I mean I think they did a killer job.

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<v Speaker 6>But I do think they did her disservice with the

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<v Speaker 6>glass package that they gave her. And so now their

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<v Speaker 6>house is actually colder because they are not getting the

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<v Speaker 6>solar game that they need for their house.

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<v Speaker 2>Wow. So what's the solution.

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<v Speaker 6>Well, so, unfortunately, you know, she has purchased some new

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<v Speaker 6>windows through me with clear glass because their house is colder.

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<v Speaker 6>I don't think renewal has been very good to them.

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<v Speaker 2>So what is she doing with brand new renewal by

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<v Speaker 2>Anderson windows she doesn't need.

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<v Speaker 6>They're probably gonna go in the trash. I know she's still,

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<v Speaker 6>I think probably working with them. But it's not the

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<v Speaker 6>right windows for her house, right glass, I should say

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<v Speaker 6>for her house.

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<v Speaker 2>Well, let me ask you something. When you remove those windows,

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<v Speaker 2>are they still intact? Are they good?

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<v Speaker 6>They are? But they're probably custom built just like the

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<v Speaker 6>ones I did, So they don't fit many other places

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<v Speaker 6>unless it goes into like a rehab type situation. Yeah,

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<v Speaker 6>it's not like a track house. No again, it's a

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<v Speaker 6>passive solar house.

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<v Speaker 1>That is so odd.

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<v Speaker 6>So, I mean she's got dirt packed up on three sides.

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<v Speaker 6>It faces southwest, all glass to help heat the home.

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<v Speaker 6>The floor has clay tiles that come in about fifteen

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<v Speaker 6>feet on that whole side, and that's what absorbs the

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<v Speaker 6>heat all day and now their heat.

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<v Speaker 2>I'm very interested in why these windows were sold to you, Danny.

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<v Speaker 2>Did they explain to you it was going to actually

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<v Speaker 2>keep a lot of the solar radiation out. Yeah.

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<v Speaker 8>They told me there would be no heat coming in

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<v Speaker 8>through the window, and I said, well.

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<v Speaker 2>As long as the sun gets well okay, well hold on,

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<v Speaker 2>hold on. Did you say I need heat coming through?

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<v Speaker 9>Yeah.

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<v Speaker 8>I told every one of them that came out here.

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<v Speaker 8>I've had four people come out. They came.

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<v Speaker 2>But then why did you agree? Why did you agree

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<v Speaker 2>to purchase where they told you it would reduce the

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<v Speaker 2>heat coming into the home.

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<v Speaker 8>They said that the heat wouldn't come and he had

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<v Speaker 8>a heat lamp and he said the heat wouldn't come in.

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<v Speaker 8>I said, well, the sun has to come in and

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<v Speaker 8>he said.

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<v Speaker 2>Well yeah, but you know no, it's actually just the

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00:13:29.600 --> 00:13:34.759
<v Speaker 2>just so he told you that the heat would come

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<v Speaker 2>through and heat the tile. Do we have that in writing? Anyway?

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<v Speaker 2>Do you well, do you have any of these?

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<v Speaker 6>She has a text whim stating that she needs the

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00:13:48.039 --> 00:13:52.799
<v Speaker 6>least amount and it's from the stuff.

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<v Speaker 2>Where are my hearing?

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<v Speaker 1>Is rooster?

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<v Speaker 2>Who has a rooster?

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<v Speaker 1>She lives in the fort? Morgan, are right?

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<v Speaker 2>You have a rooster? Well, isn't it late for that

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<v Speaker 2>rooster to be crowing?

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<v Speaker 10>Yes?

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<v Speaker 6>So the way they did Still, the whole thing is

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<v Speaker 6>is that she kept telling him she has a passive

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<v Speaker 6>solar house and kept saying that she needs the heat

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<v Speaker 6>to come in, and they kept saying basically yeah, yeah,

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<v Speaker 6>And I don't think they understood what a passive solar

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<v Speaker 6>house was. And I think they just kind of gave

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<v Speaker 6>him the standard blast package from all the documentation I've.

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<v Speaker 2>Seen, Hey, is that is that one of my honesty?

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<v Speaker 11>God?

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<v Speaker 5>Honestly, God, that is a real rooster that she's got several, Yeah,

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<v Speaker 5>she's got several. Now, I swear I was darty.

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<v Speaker 2>I could not stand that noise all day. We can only.

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<v Speaker 1>Hey, yes, I have a suggestion that Danny might want

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<v Speaker 1>to consider.

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<v Speaker 2>Are you kidding me? That thing is really growing that much?

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<v Speaker 1>Is he in the house?

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<v Speaker 8>Because I don't have any service in out.

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<v Speaker 1>Oh you're outside by the roosters. So Tom, would it

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<v Speaker 1>sounds if she has this in writing, if there's a

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<v Speaker 1>chain of communications where she located that she needs the

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00:15:20.320 --> 00:15:23.759
<v Speaker 1>sun heat to come into the house and they knew it, and.

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<v Speaker 2>It's the misrepresentation, it could be called fraud in the inducement.

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<v Speaker 2>If she can prove.

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<v Speaker 1>It, I would call it something else. There's another concept

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<v Speaker 1>called warranty of merchant ability.

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<v Speaker 2>Yeah, but no, and I'm going to tell you will

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<v Speaker 2>You're be wrong, really because those windows are doing exactly

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<v Speaker 2>what they're advertised to do.

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<v Speaker 1>Well, but they're doing the opposite of what.

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<v Speaker 2>She But that's not the warranty. The warranty is what's

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00:15:48.919 --> 00:15:52.879
<v Speaker 2>in writing. Warranty of merchant ability is that window has

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<v Speaker 2>to do what is set up to do. Let me

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<v Speaker 2>give you an example. You buy a television and the

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<v Speaker 2>television is purchased as it is, Yeah, as is where is?

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00:16:02.440 --> 00:16:02.639
<v Speaker 1>Yeah?

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00:16:02.720 --> 00:16:06.799
<v Speaker 2>You pay fifty bucks for what should be eight hundred

303
00:16:06.799 --> 00:16:07.679
<v Speaker 2>dollars TV, and.

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<v Speaker 1>It turns out I can't watch Baywatch on No.

305
00:16:09.919 --> 00:16:12.519
<v Speaker 2>It turns out that the TV is filled with it's

306
00:16:12.559 --> 00:16:17.080
<v Speaker 2>a planter, it's filled with the rocks, and soil. And

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00:16:17.120 --> 00:16:21.480
<v Speaker 2>they say, oh, this is a planter. Now, merchant of

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00:16:22.600 --> 00:16:26.200
<v Speaker 2>a warranty of merchant ability is it's sold as a TV.

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<v Speaker 2>It's a TV, it has the appearance of a TV.

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<v Speaker 2>It has to be a TV. Okay, so a car

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00:16:32.080 --> 00:16:36.879
<v Speaker 2>can't be a planter. That's a really exaggerated thing. But

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<v Speaker 2>if a window does exactly what it's sold to do,

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<v Speaker 2>there's no merchant there's you're talking about breach of contract.

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<v Speaker 2>But that's a verbal contract or a text contract, which

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00:16:47.279 --> 00:16:50.000
<v Speaker 2>I'm getting at fraud and the inducement they induced you

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00:16:50.080 --> 00:16:53.480
<v Speaker 2>to sign a contract based on false premise, and that

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00:16:53.639 --> 00:16:55.720
<v Speaker 2>is that that is the thing you go after them with.

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<v Speaker 2>And I would how much did you spend for on

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00:16:58.399 --> 00:17:01.240
<v Speaker 2>those windows? Did they all have to be replaced? Nick?

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00:17:01.320 --> 00:17:04.720
<v Speaker 2>Or just some of them? So I can't stand those

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00:17:05.160 --> 00:17:08.839
<v Speaker 2>These rusts are driving me crazy. I'm just kidding. Hold exmple,

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<v Speaker 2>I want to talk about that. Coming back. We got

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00:17:11.200 --> 00:17:13.759
<v Speaker 2>more coming up. Get your calls in if you need help,

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00:17:13.960 --> 00:17:16.119
<v Speaker 2>Let's try to help you too. Three oh three seven

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00:17:16.160 --> 00:17:18.920
<v Speaker 2>one three talk seven one three eight two five five

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00:17:19.000 --> 00:17:21.759
<v Speaker 2>waterpros dot net. You know I was just talking to

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<v Speaker 2>Paul the Waterman this morning I'm telling you no one

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00:17:24.799 --> 00:17:30.960
<v Speaker 2>is offering this full service, full Monty water system for

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00:17:31.079 --> 00:17:34.720
<v Speaker 2>less money. Ever. In fact, you're gonna pay fifteen to

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00:17:34.759 --> 00:17:37.240
<v Speaker 2>twenty grand if you go through a plumber. Now he

331
00:17:37.359 --> 00:17:38.799
<v Speaker 2>is a plumber, by the way, But what I mean

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00:17:38.880 --> 00:17:42.119
<v Speaker 2>is they have the lowest prices thirty nine to ninety

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00:17:42.119 --> 00:17:46.440
<v Speaker 2>five for softening your water, conditioning your water, taking out

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00:17:46.440 --> 00:17:50.519
<v Speaker 2>the harmful chemicals plastics forever chemicals, and drinking water at

335
00:17:50.559 --> 00:17:53.920
<v Speaker 2>the kitchen sink reverse osmosis never better. Three oh three

336
00:17:54.039 --> 00:18:01.359
<v Speaker 2>eight six, two five, five five four. Go with a

337
00:18:01.400 --> 00:18:04.960
<v Speaker 2>sure thing Denver's best roofer Excel Roofing dot com. You

338
00:18:04.960 --> 00:18:10.759
<v Speaker 2>don't pay a cent until you're content. Time for an

339
00:18:10.759 --> 00:18:15.000
<v Speaker 2>insurance checkup free, no obligation. In comparison, call Compass Insurance

340
00:18:15.160 --> 00:18:18.160
<v Speaker 2>paying too much your coverage at dozens of insurance companies

341
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<v Speaker 2>find out now three all three seven to seven to one. Help.

342
00:18:21.000 --> 00:18:23.640
<v Speaker 2>You'll think you're his only customer when you choose Frank

343
00:18:23.720 --> 00:18:26.160
<v Speaker 2>durand the real estate Man dot com to list your

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<v Speaker 2>home with Remax Alliance three all three nine two zero

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<v Speaker 2>sixteen twenty two. All right, I'm Tom Martino. Welcome to

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00:18:37.640 --> 00:18:41.880
<v Speaker 2>the show. We've been talking to this woman who's inundated

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<v Speaker 2>with roosters and you hear them in the background. People

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00:18:45.640 --> 00:18:49.039
<v Speaker 2>thought I was playing sound effects and I wasn't. But

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<v Speaker 2>I'll tell you what that's irritating. Now three all three,

350
00:18:55.279 --> 00:18:58.200
<v Speaker 2>seven to one three talk. If you just tuned in,

351
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<v Speaker 2>we are talking about roosters. So you can't call the

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<v Speaker 2>FAA or FCC. Sorry. Anyway, I'm so used to flying,

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<v Speaker 2>I say faa. Hey. Speaking of that, there were some

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<v Speaker 2>people out in Mark's neck of the woods trying to

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<v Speaker 2>get me in trouble for flying around and landing there. No,

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<v Speaker 2>they weren't. Were they complaining, not at all?

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<v Speaker 6>Man.

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<v Speaker 5>Oh, I just want to know why they were a

359
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<v Speaker 5>black helicopter flying around, that's all.

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<v Speaker 2>Yeah, And it sent some people off the edge that

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00:19:31.200 --> 00:19:36.039
<v Speaker 2>were a little schizoid anyway, So anyway, I want to

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<v Speaker 2>ask you something, and I'm going to go back to

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<v Speaker 2>this problem, but what do you think? What do you

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<v Speaker 2>think in the top five top five areas in the States,

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<v Speaker 2>in the country or district district of Columbia. To buy

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<v Speaker 2>a home in the District of Columbia, it requires an

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<v Speaker 2>income or combined income who's ever borrowing of two hundred

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<v Speaker 2>forty thousand dollars in DC two hundred and forty thousand dollars.

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<v Speaker 2>I would think Manhattan costs more. No, Manhattan's not in

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<v Speaker 2>the top five. Hawaii's number two with two hundred and

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<v Speaker 2>thirty five thousand, six hundred dollars. California is two hundred

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<v Speaker 2>and thirteen, Massachusetts one hundred and seventy four thousand, and

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<v Speaker 2>guess who's number five? An income to own a home Denver, Colorado, Colorado? Yeah,

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<v Speaker 2>but like where Vail Aspen? Where? I mean, what does

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<v Speaker 2>that mean? It says Here's what it says. It says

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<v Speaker 2>the average home. Wow, No, it says typical home one

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<v Speaker 2>hundred in Colorado. You need an income of one hundred

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<v Speaker 2>and sixty eight thousand dollars for a typical home. Well,

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<v Speaker 2>so what the hell is a typical home? Let's find

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<v Speaker 2>out what a typical home is. Home is what.

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<v Speaker 5>Twenty five hundred square foot, three bath, three bedroom?

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<v Speaker 2>Yes, how do you know that? How did you know that?

383
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<v Speaker 2>How did you know that?

384
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<v Speaker 5>It's like every house in Red Hawk, every house and

385
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<v Speaker 5>Highlands Ranch, every house everywhere.

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<v Speaker 2>So the least amount of money to buy a house

387
00:21:19.640 --> 00:21:25.759
<v Speaker 2>would be in West Virginia. How much you only need

388
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<v Speaker 2>sixty four thousand dollars. I'm packing up the wife and

389
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<v Speaker 2>the dogs and moving to Virginia. Think about that, man,

390
00:21:34.720 --> 00:21:39.039
<v Speaker 2>that doesn't that's not a lot of money you could buy.

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<v Speaker 2>I bet you could buy a mansion there for like

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00:21:42.119 --> 00:21:51.920
<v Speaker 2>four hundred thousand. Yeah. Probably. But so who wants to

393
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<v Speaker 2>go to West Virginia? I mean, what is West Virginia like?

394
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<v Speaker 2>I mean, it doesn't seem like it's a bad place.

395
00:21:58.839 --> 00:22:01.759
<v Speaker 5>Isn't there there isn't that that John Denver song or

396
00:22:01.799 --> 00:22:03.640
<v Speaker 5>No West Virginia?

397
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<v Speaker 2>Yeah? Wait, wait, wait, wait wait Mountain Mama, let's talk

398
00:22:06.960 --> 00:22:12.799
<v Speaker 2>about And then he talks about the Rockies too. But

399
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<v Speaker 2>I'm trying to figure out what do I know about

400
00:22:16.039 --> 00:22:23.640
<v Speaker 2>West Virginia. Oh, you got a pretty mouthful. Okay, we

401
00:22:23.680 --> 00:22:26.319
<v Speaker 2>better get off of this subject. Three all three, seven, one, three, eight,

402
00:22:26.400 --> 00:22:32.359
<v Speaker 2>two five five. Let's go back to the phones. Danny, Danny,

403
00:22:32.880 --> 00:22:38.279
<v Speaker 2>I would let me turn that off? Okay, Danny. By

404
00:22:38.319 --> 00:22:40.559
<v Speaker 2>the way, did you quiet down your roosters?

405
00:22:42.480 --> 00:22:42.680
<v Speaker 12>No?

406
00:22:44.279 --> 00:22:48.000
<v Speaker 2>Okay, By the way, this is pretty cool, Danny. You're

407
00:22:48.039 --> 00:22:50.279
<v Speaker 2>out in the country, right and you have roosters. What

408
00:22:50.319 --> 00:22:51.279
<v Speaker 2>else do you have out there?

409
00:22:53.119 --> 00:22:55.839
<v Speaker 8>Mini Jersey milk pals and some turkeys?

410
00:22:57.960 --> 00:22:58.000
<v Speaker 2>No?

411
00:22:58.160 --> 00:22:58.480
<v Speaker 1>Fooling.

412
00:22:58.559 --> 00:23:02.640
<v Speaker 2>Which that turkey is it? What's that mark?

413
00:23:02.839 --> 00:23:03.240
<v Speaker 1>She said?

414
00:23:03.240 --> 00:23:08.079
<v Speaker 2>A mini jersey cow? Yeah? Yeah, they're cool. Oh there

415
00:23:08.880 --> 00:23:12.799
<v Speaker 2>have you ever seen a mark? They're great? I didn't,

416
00:23:14.920 --> 00:23:17.640
<v Speaker 2>did you? Did you? Do you use them for milk?

417
00:23:18.319 --> 00:23:22.039
<v Speaker 2>They're very cute. They're not small. They're not that small.

418
00:23:21.720 --> 00:23:26.279
<v Speaker 8>Though, well half the size of a normal jersey.

419
00:23:26.559 --> 00:23:29.640
<v Speaker 2>Yeah, but jerseys are big. So when people hear mini

420
00:23:30.000 --> 00:23:33.480
<v Speaker 2>they're thinking like Minnie and they're they're not. They come

421
00:23:33.559 --> 00:23:36.079
<v Speaker 2>up to your chest right the back, their back line

422
00:23:36.119 --> 00:23:39.240
<v Speaker 2>comes up to your maybe you're the top of your belly.

423
00:23:39.920 --> 00:23:40.680
<v Speaker 8>Oh yeah.

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<v Speaker 2>Are they just for milking or what are they used for? Generally?

425
00:23:45.680 --> 00:23:49.440
<v Speaker 2>Show and milking? And and some people they're a hobby,

426
00:23:49.559 --> 00:23:50.640
<v Speaker 2>are they?

427
00:23:51.920 --> 00:23:53.920
<v Speaker 8>Yeah?

428
00:23:54.039 --> 00:23:56.440
<v Speaker 6>I thought so, really.

429
00:23:56.319 --> 00:23:59.559
<v Speaker 8>Really and that gets in the meat tastes really good.

430
00:24:00.240 --> 00:24:03.079
<v Speaker 2>Now do you do you do? Uh? Do you slaughter

431
00:24:03.119 --> 00:24:09.720
<v Speaker 2>any of them? You know? Farmers have a whole different

432
00:24:09.759 --> 00:24:13.519
<v Speaker 2>attitude about life and and and slaughter, Like like your roosters,

433
00:24:13.759 --> 00:24:16.440
<v Speaker 2>what are roosters for? Do you eat roosters or do

434
00:24:16.480 --> 00:24:17.319
<v Speaker 2>you eat chickens?

435
00:24:18.240 --> 00:24:19.799
<v Speaker 8>We eat roosters, not chickens.

436
00:24:21.160 --> 00:24:24.440
<v Speaker 2>Now are roosters chickens? Are they the same? I don't

437
00:24:24.440 --> 00:24:27.759
<v Speaker 2>know anything I don't know anything about chickens. So hens

438
00:24:27.799 --> 00:24:30.119
<v Speaker 2>and roosters. Are they both the same when it comes

439
00:24:30.119 --> 00:24:31.200
<v Speaker 2>to meat content?

440
00:24:32.559 --> 00:24:35.240
<v Speaker 8>No, the roosters are bigger. That's why we eat roosters.

441
00:24:35.880 --> 00:24:39.039
<v Speaker 5>You got the hen. Okay, the chicken and the rooster.

442
00:24:40.240 --> 00:24:43.440
<v Speaker 5>What's the difference between then and the chicken. Chickens are

443
00:24:43.440 --> 00:24:47.240
<v Speaker 5>both roosters and hens. Mark, Chickens come like humans are

444
00:24:47.240 --> 00:24:48.079
<v Speaker 5>male and female.

445
00:24:48.119 --> 00:24:51.920
<v Speaker 2>I'm okay. So, so you got hens and roosters. Now

446
00:24:51.960 --> 00:24:53.559
<v Speaker 2>do you have any trans roosters?

447
00:24:54.920 --> 00:24:56.559
<v Speaker 8>Nope? Never seen.

448
00:24:56.920 --> 00:25:00.920
<v Speaker 2>Okay, Hey Dan Danny, I want to ask something seriously,

449
00:25:01.400 --> 00:25:07.039
<v Speaker 2>do you really have a text from this place that

450
00:25:07.160 --> 00:25:08.400
<v Speaker 2>sold you these windows?

451
00:25:08.559 --> 00:25:11.720
<v Speaker 6>Hey, Tom, I talk about I have a text. If

452
00:25:11.720 --> 00:25:12.519
<v Speaker 6>you want me to read.

453
00:25:12.400 --> 00:25:15.319
<v Speaker 2>It, read it, tech Nick read it.

454
00:25:15.400 --> 00:25:20.519
<v Speaker 6>So this is between her and a representative, and okay,

455
00:25:20.680 --> 00:25:23.519
<v Speaker 6>she says, I'm concerned. I was at my sister's house

456
00:25:23.559 --> 00:25:25.720
<v Speaker 6>today and there was no heat coming in at all

457
00:25:25.799 --> 00:25:28.200
<v Speaker 6>from the sun, because I believe her sister had windows

458
00:25:28.240 --> 00:25:31.039
<v Speaker 6>done by them. The guy that came to measure said

459
00:25:31.079 --> 00:25:35.279
<v Speaker 6>Anderson has different glasses and that he would put a

460
00:25:35.319 --> 00:25:37.759
<v Speaker 6>note that we want the one that lets the sun

461
00:25:38.559 --> 00:25:41.680
<v Speaker 6>still heat. The want the one that lets the sun

462
00:25:41.880 --> 00:25:45.200
<v Speaker 6>still heat. I thought I might double check, since our

463
00:25:45.200 --> 00:25:47.519
<v Speaker 6>house gets mostly heated by the sun and the winter.

464
00:25:47.680 --> 00:25:49.839
<v Speaker 6>We still haven't had to heat our house at all

465
00:25:49.839 --> 00:25:53.079
<v Speaker 6>this year. And he replies, Hi, they are being built.

466
00:25:53.160 --> 00:25:54.839
<v Speaker 6>As far as the heat gain, you will get some,

467
00:25:55.880 --> 00:25:57.920
<v Speaker 6>especially in the winter when the sun is closer to

468
00:25:57.960 --> 00:26:02.480
<v Speaker 6>the horizon. Due to government regulates for energy efficiency, we

469
00:26:02.559 --> 00:26:05.160
<v Speaker 6>can't build a window that allows as much heat gain

470
00:26:05.279 --> 00:26:08.119
<v Speaker 6>through yours as yours do now, which I don't know

471
00:26:08.160 --> 00:26:09.039
<v Speaker 6>about that regulation.

472
00:26:09.200 --> 00:26:12.119
<v Speaker 2>Well, I see, see, Nick, I don't find anything in

473
00:26:12.279 --> 00:26:14.720
<v Speaker 2>error in what he's saying in that text. He's really

474
00:26:14.720 --> 00:26:15.680
<v Speaker 2>covering his ass.

475
00:26:15.799 --> 00:26:17.759
<v Speaker 6>Well, let's see. I hope that the guy that came

476
00:26:17.799 --> 00:26:20.759
<v Speaker 6>to measure didn't set the expectation. Your door will be

477
00:26:20.799 --> 00:26:23.480
<v Speaker 6>way more energy efficient than your current syle facing windows.

478
00:26:23.480 --> 00:26:25.200
<v Speaker 6>So the great news is you still get tons of

479
00:26:25.200 --> 00:26:28.400
<v Speaker 6>solar gain from those windows. High will heat your tiles

480
00:26:28.440 --> 00:26:29.680
<v Speaker 6>and help okay your home.

481
00:26:30.480 --> 00:26:33.839
<v Speaker 2>If she goes she goes to court on this or

482
00:26:33.920 --> 00:26:36.200
<v Speaker 2>small claim, even small claims, guard how much did you

483
00:26:36.200 --> 00:26:37.599
<v Speaker 2>spend on those windows, Danny.

484
00:26:38.640 --> 00:26:42.759
<v Speaker 8>They're adding interest now, so we're almost at forty thousand dollars.

485
00:26:44.200 --> 00:26:44.799
<v Speaker 6>Yeah, they're not.

486
00:26:44.759 --> 00:26:47.319
<v Speaker 2>Working with her all when you say adding interest. Wait

487
00:26:47.359 --> 00:26:49.960
<v Speaker 2>when you say adding interest, Danny, did you pay anything

488
00:26:50.000 --> 00:26:50.920
<v Speaker 2>out of pocket yet?

489
00:26:51.920 --> 00:26:53.279
<v Speaker 8>No, I refuse to pay.

490
00:26:53.680 --> 00:26:56.920
<v Speaker 2>She financed it through whatever company they use, green Sky.

491
00:26:57.279 --> 00:26:59.480
<v Speaker 2>Green did you take a second on your house to

492
00:26:59.519 --> 00:27:00.440
<v Speaker 2>finance Danny?

493
00:27:01.400 --> 00:27:04.160
<v Speaker 6>No, No, it's the Green Sky. She did a program

494
00:27:04.200 --> 00:27:06.559
<v Speaker 6>to them. But the other thing that's weird is that

495
00:27:06.880 --> 00:27:11.759
<v Speaker 6>they pulled the money without her approval, so they put

496
00:27:11.759 --> 00:27:14.079
<v Speaker 6>the loan through you sure of that? Well? I mean

497
00:27:14.079 --> 00:27:17.920
<v Speaker 6>the contract reads weird where basically it says.

498
00:27:18.559 --> 00:27:20.759
<v Speaker 2>Can we mention the company? Who is it?

499
00:27:20.759 --> 00:27:21.920
<v Speaker 6>It's renewed by Anderson?

500
00:27:24.920 --> 00:27:28.720
<v Speaker 8>And green Sky keeps telling it sounds like you're going

501
00:27:28.799 --> 00:27:30.640
<v Speaker 8>to get your day in court from green Sky.

502
00:27:30.759 --> 00:27:33.359
<v Speaker 5>I mean, if you never approved the money, they might

503
00:27:33.400 --> 00:27:36.839
<v Speaker 5>be able to yank it from you know, the window

504
00:27:36.920 --> 00:27:37.960
<v Speaker 5>company renewal.

505
00:27:41.079 --> 00:27:44.279
<v Speaker 2>I think, I think, why have to take a break first, Shannon?

506
00:27:44.359 --> 00:27:45.440
<v Speaker 2>Am I late? Shannon?

507
00:27:45.559 --> 00:27:46.279
<v Speaker 1>Yes?

508
00:27:46.359 --> 00:27:48.640
<v Speaker 2>All right, let me take this break and come right back. Frank,

509
00:27:48.720 --> 00:27:50.559
<v Speaker 2>you hang on there too. I want to hear from you.

510
00:27:50.599 --> 00:27:57.079
<v Speaker 2>We got more coming up. Go with a sure thing

511
00:27:57.200 --> 00:28:00.519
<v Speaker 2>Denver's Best roofer Excel roofing dot com. You don't pay

512
00:28:00.559 --> 00:28:06.640
<v Speaker 2>a cent until you're content. Time for an insurance check

513
00:28:06.720 --> 00:28:10.599
<v Speaker 2>up free, no obligation. In comparison, call Compass insurance paying

514
00:28:10.599 --> 00:28:13.680
<v Speaker 2>too much your coverage at dozens of insurance companies find

515
00:28:13.680 --> 00:28:16.039
<v Speaker 2>out now three all three seven to seven to one help.

516
00:28:16.200 --> 00:28:18.839
<v Speaker 2>You'll think you're his only customer when you choose Frank

517
00:28:18.880 --> 00:28:21.359
<v Speaker 2>durand the real estate man dot com to list your

518
00:28:21.359 --> 00:28:24.480
<v Speaker 2>home with Remax Alliance three all three nine two zero

519
00:28:24.640 --> 00:28:25.559
<v Speaker 2>sixteen twenty two.

520
00:28:26.519 --> 00:28:26.960
<v Speaker 1>Demitri.

521
00:28:29.640 --> 00:28:34.200
<v Speaker 2>Hey, I'm Tom Martino here. I want to go back

522
00:28:34.200 --> 00:28:36.799
<v Speaker 2>to Danny, but first Frank, let's just get Frank in

523
00:28:36.839 --> 00:28:38.799
<v Speaker 2>here because he has a quick comment. Go ahead, Frank,

524
00:28:38.839 --> 00:28:42.039
<v Speaker 2>Welcome to the show. I'm Tom Martino. Thank you very much.

525
00:28:42.079 --> 00:28:44.240
<v Speaker 10>Listen a quick shout out to one of your guests there,

526
00:28:44.319 --> 00:28:50.000
<v Speaker 10>Nick Grena. Gervina's installed windows and two sliding doors in

527
00:28:50.039 --> 00:28:52.240
<v Speaker 10>my house back in two thousand and nine, and I

528
00:28:52.359 --> 00:28:56.400
<v Speaker 10>had a seal fail in the eight foot slider. They

529
00:28:56.640 --> 00:29:00.599
<v Speaker 10>just replaced it under warranty and Brian did a fantastic job. Nick,

530
00:29:00.720 --> 00:29:02.079
<v Speaker 10>so he did a great job.

531
00:29:02.480 --> 00:29:02.799
<v Speaker 1>Thank you.

532
00:29:03.319 --> 00:29:05.559
<v Speaker 10>I will use even it was sixteen years ago and

533
00:29:05.599 --> 00:29:07.640
<v Speaker 10>I thought, well, I'm not going to get a window

534
00:29:07.720 --> 00:29:10.400
<v Speaker 10>replace or a door replace, but they certainly did it.

535
00:29:10.920 --> 00:29:13.000
<v Speaker 10>So when I need them in the future. I will

536
00:29:13.079 --> 00:29:13.960
<v Speaker 10>use them in the future.

537
00:29:14.519 --> 00:29:17.279
<v Speaker 5>Hey, I'm glad that's Gravenus nine to fifty West Evans

538
00:29:17.319 --> 00:29:20.119
<v Speaker 5>appreciate it. They literally put a sliding door in for

539
00:29:20.240 --> 00:29:21.200
<v Speaker 5>us yesterday.

540
00:29:21.519 --> 00:29:23.079
<v Speaker 2>What kind of warranty does that have.

541
00:29:23.200 --> 00:29:26.039
<v Speaker 6>Nick, I mean the manufacturer gives you a lifetime limits

542
00:29:26.039 --> 00:29:26.839
<v Speaker 6>of warrantines.

543
00:29:27.039 --> 00:29:29.279
<v Speaker 10>Wow, yes, it was all sides.

544
00:29:30.680 --> 00:29:32.039
<v Speaker 6>So yeah, so all side covered?

545
00:29:32.079 --> 00:29:34.720
<v Speaker 2>Is we put it in yesterday. Your warranty is over.

546
00:29:35.319 --> 00:29:39.119
<v Speaker 2>That's it. That's a beautiful Now that's some companies.

547
00:29:39.319 --> 00:29:42.559
<v Speaker 10>Quick quick thing, if I can say real quick. I'd

548
00:29:42.599 --> 00:29:46.000
<v Speaker 10>listened to your show for obviously many many years.

549
00:29:45.400 --> 00:29:47.279
<v Speaker 11>And one of the reasons, thank you is Gradina's back

550
00:29:47.279 --> 00:29:47.880
<v Speaker 11>in nine.

551
00:29:47.880 --> 00:29:51.240
<v Speaker 10>Was because of you and your recommendation. And yeah, is

552
00:29:51.279 --> 00:29:56.160
<v Speaker 10>your sister Gina she is, Yes, Yeah, Gina did one

553
00:29:56.200 --> 00:29:56.480
<v Speaker 10>on my.

554
00:29:56.440 --> 00:29:57.720
<v Speaker 11>Home back in two thousand and nine.

555
00:29:57.799 --> 00:29:58.079
<v Speaker 6>Nice.

556
00:29:58.279 --> 00:30:01.640
<v Speaker 2>Yeah, But anyhow know that Gina. Did you know that

557
00:30:01.799 --> 00:30:07.039
<v Speaker 2>Gina was studying Gina was studying media and she was

558
00:30:07.039 --> 00:30:10.279
<v Speaker 2>one she was an intern of mine. Yep, Oh really

559
00:30:10.559 --> 00:30:13.359
<v Speaker 2>I didn't know. Oh yeah, she was a young woman.

560
00:30:14.599 --> 00:30:17.960
<v Speaker 2>She was so cute. She was going to college and

561
00:30:18.000 --> 00:30:20.839
<v Speaker 2>she did her internship with me and I taught her

562
00:30:21.119 --> 00:30:25.279
<v Speaker 2>the right way, of course. Anyway, So then Gina, of

563
00:30:25.359 --> 00:30:29.799
<v Speaker 2>course she gets drafted into the family business and and really,

564
00:30:29.839 --> 00:30:32.519
<v Speaker 2>if you think about it, probably making way more than

565
00:30:32.519 --> 00:30:36.240
<v Speaker 2>she would in broadcasting. You know, broadcasting has two flavors,

566
00:30:36.839 --> 00:30:39.960
<v Speaker 2>low low low pay and high high high pay, and

567
00:30:40.200 --> 00:30:43.759
<v Speaker 2>neither of them are fair. So anyway, can I add

568
00:30:43.799 --> 00:30:47.759
<v Speaker 2>one more thing? But there's a yes, go ahead, the

569
00:30:47.799 --> 00:30:48.559
<v Speaker 2>only thing, and then.

570
00:30:48.839 --> 00:30:52.920
<v Speaker 10>I'll let you guys go for your listeners. You guys

571
00:30:53.079 --> 00:30:56.759
<v Speaker 10>vet your vendors, and I've been listening to show your

572
00:30:56.799 --> 00:31:00.079
<v Speaker 10>show for twenty or twenty five years and when you

573
00:31:00.079 --> 00:31:05.319
<v Speaker 10>you venom, they are absolutely reliable and you can thank

574
00:31:05.359 --> 00:31:07.680
<v Speaker 10>you so just want you guys, you know that, and

575
00:31:07.720 --> 00:31:08.319
<v Speaker 10>I appreciate it.

576
00:31:08.440 --> 00:31:13.039
<v Speaker 2>Thanks man. Now we made okay, thank you, bro. We

577
00:31:13.079 --> 00:31:17.200
<v Speaker 2>made one mistake. It wasn't a mistake in the beginning,

578
00:31:17.839 --> 00:31:20.160
<v Speaker 2>but it turned out to be a mistake because he

579
00:31:20.279 --> 00:31:25.039
<v Speaker 2>started getting weak and we didn't catch it immediately, but

580
00:31:25.119 --> 00:31:27.240
<v Speaker 2>we caught it pretty damn soon. You know how I'm

581
00:31:27.240 --> 00:31:29.880
<v Speaker 2>talking about Mark? Yeah, I'd say two mistakes. That was

582
00:31:29.920 --> 00:31:35.279
<v Speaker 2>solar Mark, yes, right. The other the other what happened

583
00:31:35.359 --> 00:31:37.640
<v Speaker 2>was they were really they were really strong, and I

584
00:31:37.680 --> 00:31:40.880
<v Speaker 2>believe the guy meant to do well and then somehow

585
00:31:40.920 --> 00:31:44.279
<v Speaker 2>I think he got into that. Then he got into

586
00:31:44.279 --> 00:31:47.319
<v Speaker 2>the some financial trouble. So it wasn't like he was

587
00:31:47.359 --> 00:31:49.640
<v Speaker 2>a cheater. What's the number two mistake we made?

588
00:31:49.720 --> 00:31:53.039
<v Speaker 5>Mark that damn fake stem cells, son of a bitch.

589
00:31:54.279 --> 00:31:58.480
<v Speaker 2>Oh my god, you're right, But let's let's put this

590
00:31:58.519 --> 00:32:05.079
<v Speaker 2>in perspective. The stem cell industry was completely new, so

591
00:32:05.119 --> 00:32:07.880
<v Speaker 2>when they talked about stem cell therapy, I didn't know

592
00:32:07.880 --> 00:32:10.640
<v Speaker 2>it from Adam and I did research, and even the

593
00:32:10.839 --> 00:32:14.319
<v Speaker 2>research was wrong in other words, not wrong, but there

594
00:32:14.359 --> 00:32:18.720
<v Speaker 2>was enough on Google to support the false premise that

595
00:32:18.440 --> 00:32:22.240
<v Speaker 2>that umbilical cord blood contains stem cells and you could

596
00:32:22.240 --> 00:32:26.200
<v Speaker 2>ship them across the country and derive stem cells from them,

597
00:32:26.200 --> 00:32:29.880
<v Speaker 2>and when it turns out that's right. So it turns

598
00:32:29.920 --> 00:32:33.599
<v Speaker 2>out that while these fluids do have stem cells, in

599
00:32:33.720 --> 00:32:36.400
<v Speaker 2>order to ship stem cells, they have to be condensed,

600
00:32:36.960 --> 00:32:40.759
<v Speaker 2>and you can't condense them under FDA approval because FDA

601
00:32:40.880 --> 00:32:44.200
<v Speaker 2>says once you condense and manipulate them, they become a drug,

602
00:32:44.880 --> 00:32:47.119
<v Speaker 2>so you can't do that. So the only way to

603
00:32:47.160 --> 00:32:49.680
<v Speaker 2>ship stem cells would be in their raw form, and

604
00:32:49.720 --> 00:32:52.599
<v Speaker 2>when they get to the to the point where they're

605
00:32:52.640 --> 00:32:57.359
<v Speaker 2>going to be used. It turns out to be ineffective.

606
00:32:57.480 --> 00:32:59.759
<v Speaker 2>In fact, one or two will live out of billions.

607
00:33:00.039 --> 00:33:03.880
<v Speaker 2>So the one who discovered and exposed it was Centeno.

608
00:33:04.559 --> 00:33:08.440
<v Speaker 2>I had doctor Centeno, Chris Centeno. And then what happened

609
00:33:08.519 --> 00:33:14.559
<v Speaker 2>was they told me Tom, go with a sure thing

610
00:33:14.680 --> 00:33:18.000
<v Speaker 2>Denver's best roofer Excel Roofing dot com. You don't pay

611
00:33:18.039 --> 00:33:24.119
<v Speaker 2>a cent until you're content. Time for an insurance check

612
00:33:24.200 --> 00:33:28.039
<v Speaker 2>up free, no obligation. In comparison, call Compass Insurance paying

613
00:33:28.119 --> 00:33:31.160
<v Speaker 2>too much your coverage at dozens of insurance companies find

614
00:33:31.160 --> 00:33:33.519
<v Speaker 2>out now three oh three seven to seven to one help.

615
00:33:33.680 --> 00:33:36.319
<v Speaker 2>You'll think you're his only customer when you choose Frank

616
00:33:36.400 --> 00:33:38.839
<v Speaker 2>durand the real estate Man dot com to list your

617
00:33:38.880 --> 00:33:42.039
<v Speaker 2>home with Remax Alliance three oh three nine two zero

618
00:33:42.119 --> 00:33:54.400
<v Speaker 2>sixteen twenty two. Hi Tom Martino, here, what you're ready to.

619
00:33:54.640 --> 00:33:56.680
<v Speaker 5>I was ready to jump in. I didn't know what

620
00:33:56.839 --> 00:33:58.079
<v Speaker 5>happened there to you?

621
00:33:58.079 --> 00:34:02.079
<v Speaker 2>You are many, He's Mark. I love Mark on the

622
00:34:02.119 --> 00:34:05.240
<v Speaker 2>ready man. Move that corpse out of the way. We're ready.

623
00:34:05.920 --> 00:34:09.480
<v Speaker 2>Take Tom out feet first, and then he says, call

624
00:34:09.519 --> 00:34:13.079
<v Speaker 2>the corner. I'm up anyway, Just kidding three O three

625
00:34:13.159 --> 00:34:15.039
<v Speaker 2>seven one, three eight five had Nick Gravin is our

626
00:34:15.039 --> 00:34:19.039
<v Speaker 2>guest Major Mark Major of course in the studio with

627
00:34:19.159 --> 00:34:23.000
<v Speaker 2>our guest and Mark, what I want to ask you

628
00:34:23.159 --> 00:34:27.599
<v Speaker 2>yes when it comes to this solo, because Mark has

629
00:34:27.639 --> 00:34:30.039
<v Speaker 2>a good mind for attacking problem.

630
00:34:30.119 --> 00:34:35.320
<v Speaker 5>I think as much as Anderson charges for their product

631
00:34:35.360 --> 00:34:37.440
<v Speaker 5>and what their charge and what their product is, and

632
00:34:37.480 --> 00:34:40.400
<v Speaker 5>we haven't got a lot of really complaints on him

633
00:34:40.440 --> 00:34:43.280
<v Speaker 5>over the years, we simply have for as large as

634
00:34:43.280 --> 00:34:46.719
<v Speaker 5>the cord windows, I think they dropped a ball on this.

635
00:34:47.320 --> 00:34:49.280
<v Speaker 2>They got enough money to where they should have just

636
00:34:49.360 --> 00:34:50.119
<v Speaker 2>made this right.

637
00:34:50.320 --> 00:34:54.400
<v Speaker 5>In my opinion, I think, yeah, someone she's going to

638
00:34:54.480 --> 00:34:55.840
<v Speaker 5>end up taking them to court.

639
00:34:55.960 --> 00:34:58.239
<v Speaker 2>Unfortunately, because I'm going to give this to me, I'm

640
00:34:58.239 --> 00:35:00.400
<v Speaker 2>going to give this to Deputy d because you feel

641
00:35:00.440 --> 00:35:03.760
<v Speaker 2>strongly about what the merchant of worn, well, what was it?

642
00:35:03.840 --> 00:35:06.159
<v Speaker 2>None of that's going to matter the people that are

643
00:35:06.159 --> 00:35:09.920
<v Speaker 2>going to come after. So hold on, wait, wait, we're

644
00:35:09.960 --> 00:35:11.760
<v Speaker 2>running out of time. We'll come back. Go with a

645
00:35:11.840 --> 00:35:15.360
<v Speaker 2>sure thing Denvers best Roofer excel roofing dot com. You

646
00:35:15.400 --> 00:35:21.199
<v Speaker 2>don't pay a cent until you're content. Time for an

647
00:35:21.199 --> 00:35:25.440
<v Speaker 2>insurance check up free, no obligation. In comparison, call Compass Insurance,

648
00:35:25.599 --> 00:35:28.599
<v Speaker 2>pay too much your coverage at dozens of insurance companies.

649
00:35:28.679 --> 00:35:31.280
<v Speaker 2>Find out now three oh three seven seven to one help.

650
00:35:31.440 --> 00:35:34.079
<v Speaker 2>You'll think you're his only customer when you choose Frank

651
00:35:34.159 --> 00:35:36.599
<v Speaker 2>durand the real estate Man dot Com to list your

652
00:35:36.639 --> 00:35:39.800
<v Speaker 2>home with Remax Alliance three oh three nine two zero

653
00:35:39.880 --> 00:35:42.280
<v Speaker 2>sixteen twenty two.

654
00:35:46.360 --> 00:35:47.000
<v Speaker 6>Ripped.

655
00:35:48.679 --> 00:35:51.920
<v Speaker 1>News who you don't have the.

656
00:35:54.320 --> 00:36:00.519
<v Speaker 3>Runous came, no shoot us, gonna help come thing.

657
00:36:01.079 --> 00:36:03.239
<v Speaker 2>This is the Troubleshooter Show.

658
00:36:03.880 --> 00:36:10.360
<v Speaker 4>No Tom Martino, Hey Tom Martino here, welcome to the show.

659
00:36:10.400 --> 00:36:12.719
<v Speaker 2>Here to help you solve problems, answer questions, say complaints.

660
00:36:12.760 --> 00:36:15.519
<v Speaker 2>Let me set the stage. Deputy d and Deputy Bow

661
00:36:15.559 --> 00:36:17.840
<v Speaker 2>with me at the Mother Show, well the satellite ship.

662
00:36:17.840 --> 00:36:20.400
<v Speaker 2>And then we have market the Mothership with Nick Gravina

663
00:36:20.440 --> 00:36:23.679
<v Speaker 2>from Gravino Windows Siding Doors nine to fifty West Evans.

664
00:36:23.800 --> 00:36:26.199
<v Speaker 2>So let's talk about things on your mind, things we

665
00:36:26.239 --> 00:36:30.119
<v Speaker 2>can help you with. And we've had quite a spirited

666
00:36:30.199 --> 00:36:33.760
<v Speaker 2>discussion on this window thing, and actually it's way bigger

667
00:36:33.760 --> 00:36:37.239
<v Speaker 2>than windows. And let me tell you why. Many many

668
00:36:37.320 --> 00:36:41.920
<v Speaker 2>times when we get calls on this show, they purchased

669
00:36:42.000 --> 00:36:48.000
<v Speaker 2>what they purchased and they got what they purchased but

670
00:36:48.159 --> 00:36:54.199
<v Speaker 2>there were promises or comments made outside of the contract,

671
00:36:54.760 --> 00:36:59.960
<v Speaker 2>and the question is what happens then if it doesn't

672
00:37:00.159 --> 00:37:04.679
<v Speaker 2>measure up to the comments or promises. Well, there's a

673
00:37:04.679 --> 00:37:09.840
<v Speaker 2>few principles of law here. One primary one would be

674
00:37:09.960 --> 00:37:15.239
<v Speaker 2>called fraud in the inducement. Now it's a little complicated

675
00:37:15.280 --> 00:37:23.239
<v Speaker 2>to explain, but I think you induced you to sign

676
00:37:23.320 --> 00:37:28.440
<v Speaker 2>a contract based on fraud or what is fraud? A lie? Possibly? Right?

677
00:37:29.280 --> 00:37:35.880
<v Speaker 2>So in other words, what constitutes fraud in the inducement?

678
00:37:36.280 --> 00:37:41.519
<v Speaker 2>Obviously you would have to prove it right in the inducement?

679
00:37:42.960 --> 00:37:45.440
<v Speaker 2>So how would you prove it? I think a text

680
00:37:45.480 --> 00:37:50.519
<v Speaker 2>message would be pretty good proof right now, according to

681
00:37:52.599 --> 00:37:55.320
<v Speaker 2>the cases we've had in the past. Again, I don't

682
00:37:55.360 --> 00:38:01.119
<v Speaker 2>practice law, don't pretend to, but it's deception used to

683
00:38:01.239 --> 00:38:05.360
<v Speaker 2>persuade someone into an agreement. And even though it's not

684
00:38:05.599 --> 00:38:10.719
<v Speaker 2>mentioned in the agreement, it is a misrepresentation of a

685
00:38:10.800 --> 00:38:15.000
<v Speaker 2>material fact. So it has to be a false representation

686
00:38:15.400 --> 00:38:18.760
<v Speaker 2>made and it must be a material fact. Well, in

687
00:38:18.800 --> 00:38:21.800
<v Speaker 2>this case, the woman purchased new windows for her home

688
00:38:21.840 --> 00:38:27.679
<v Speaker 2>to the tune of forty grand and that those windows

689
00:38:28.199 --> 00:38:32.480
<v Speaker 2>did not let through enough solar energy, and she specifically

690
00:38:32.519 --> 00:38:37.599
<v Speaker 2>wanted ones in a passive solar home to pass through

691
00:38:37.679 --> 00:38:43.599
<v Speaker 2>solar energy. She got just the opposite. Now, they're good windows,

692
00:38:44.159 --> 00:38:47.719
<v Speaker 2>but in her case they actually made her home less efficient.

693
00:38:48.920 --> 00:38:53.400
<v Speaker 2>So that is a material fact. Now the person making

694
00:38:53.920 --> 00:38:59.639
<v Speaker 2>that material statement, that false statement, must listen to this,

695
00:39:00.440 --> 00:39:05.519
<v Speaker 2>must know it's false. If they honestly believe what they're saying,

696
00:39:05.559 --> 00:39:10.239
<v Speaker 2>guess what, it may not rise to the level of fraud.

697
00:39:12.360 --> 00:39:16.840
<v Speaker 2>And now the other thing is that the buyer must

698
00:39:16.880 --> 00:39:20.119
<v Speaker 2>rely on it. And that's the reason the buyer decided

699
00:39:20.159 --> 00:39:24.920
<v Speaker 2>to go through with the contract, And specifically that text

700
00:39:26.079 --> 00:39:31.880
<v Speaker 2>was specifically dealing with the solar energy from these windows.

701
00:39:32.599 --> 00:39:36.000
<v Speaker 2>So then the next is they relied on it and

702
00:39:36.159 --> 00:39:40.039
<v Speaker 2>signed the contract. The key element of fraud here is

703
00:39:40.039 --> 00:39:44.639
<v Speaker 2>not about the contract itself being fake. Every aspect of

704
00:39:44.679 --> 00:39:48.679
<v Speaker 2>the contract could be true, and it could be exactly

705
00:39:48.760 --> 00:39:53.239
<v Speaker 2>what she purchased, but it is the tricking of someone

706
00:39:53.760 --> 00:39:58.559
<v Speaker 2>to sign it. So if someone says, hey, this car

707
00:39:58.639 --> 00:40:02.000
<v Speaker 2>has never been in an accident, but it really was,

708
00:40:03.639 --> 00:40:08.280
<v Speaker 2>and you buy it. But the contract has a contract

709
00:40:08.320 --> 00:40:12.920
<v Speaker 2>for a car as is nineteen or twenty eighteen or whatever,

710
00:40:13.960 --> 00:40:19.960
<v Speaker 2>the contract's not false. But there was fraud in the inducement. Now, listen,

711
00:40:20.360 --> 00:40:23.840
<v Speaker 2>usually you convoid that contract and in some cases even

712
00:40:23.880 --> 00:40:30.039
<v Speaker 2>have damages. What were you going to say, Dimitri, what

713
00:40:30.079 --> 00:40:31.079
<v Speaker 2>do you think? Oh?

714
00:40:31.199 --> 00:40:34.039
<v Speaker 1>Well, I think that the Rooster lady who called us

715
00:40:34.079 --> 00:40:35.960
<v Speaker 1>has an even bigger problem, which is.

716
00:40:36.360 --> 00:40:38.679
<v Speaker 2>The Russ lady is the one who bought those windows

717
00:40:38.719 --> 00:40:42.159
<v Speaker 2>from Renewal by Anderson thinking they were going to help her,

718
00:40:42.440 --> 00:40:46.639
<v Speaker 2>when in actually they were in her case with a

719
00:40:46.679 --> 00:40:49.199
<v Speaker 2>passive solar home where not that it was not what

720
00:40:49.320 --> 00:40:49.840
<v Speaker 2>she needed.

721
00:40:49.920 --> 00:40:51.639
<v Speaker 1>Well, tell, let's not lose to the fact that I

722
00:40:51.639 --> 00:40:54.480
<v Speaker 1>think she's facing a much bigger issue than the wrong windows,

723
00:40:54.880 --> 00:40:57.719
<v Speaker 1>which is she's not making payments to the finance company.

724
00:40:58.320 --> 00:41:01.559
<v Speaker 1>So regardless of the point, regardless of how these windows

725
00:41:01.559 --> 00:41:03.880
<v Speaker 1>worked out to her, they're gonna come after her for

726
00:41:03.880 --> 00:41:05.599
<v Speaker 1>forty thousand plus costs.

727
00:41:05.760 --> 00:41:08.440
<v Speaker 2>Well, especially if it's an independent loan company.

728
00:41:08.679 --> 00:41:11.840
<v Speaker 1>Yeah, they can say no, it is time, and it's

729
00:41:12.400 --> 00:41:15.440
<v Speaker 1>and and so Kelly is trying to reach Neil Hollington

730
00:41:15.480 --> 00:41:18.599
<v Speaker 1>from Hollington Law down in Parker and mister Hollington has

731
00:41:18.639 --> 00:41:21.079
<v Speaker 1>been a great resource for us in the past. He's

732
00:41:21.199 --> 00:41:24.960
<v Speaker 1>very knowledgeable. All he does is he practice practices this

733
00:41:25.079 --> 00:41:28.480
<v Speaker 1>very narrow area of law that dealing with contractors. So

734
00:41:28.519 --> 00:41:30.519
<v Speaker 1>it'd be great if he has time to come on

735
00:41:30.960 --> 00:41:33.719
<v Speaker 1>and weigh in on this topic and see if maybe

736
00:41:33.760 --> 00:41:37.360
<v Speaker 1>the Rooster Lady is an appropriate client for him, and

737
00:41:37.679 --> 00:41:40.480
<v Speaker 1>I mean Rooster Lady respectfully. I just forgot her name.

738
00:41:40.840 --> 00:41:42.920
<v Speaker 2>Yeah, well it'll be her name?

739
00:41:43.000 --> 00:41:43.360
<v Speaker 6>Is Danny?

740
00:41:43.440 --> 00:41:45.280
<v Speaker 2>Better than call? Never mind, I'm not going to go there.

741
00:41:45.360 --> 00:41:46.199
<v Speaker 2>Be better than calling.

742
00:41:46.440 --> 00:41:47.920
<v Speaker 1>I know what you were going to say to No, No,

743
00:41:47.920 --> 00:41:49.119
<v Speaker 1>I'm not Let's not do that.

744
00:41:50.320 --> 00:41:53.280
<v Speaker 2>You having a question for Nick Gravina, go ahead, and

745
00:41:53.320 --> 00:41:55.559
<v Speaker 2>then we have to go to Don. In fact, let's

746
00:41:55.559 --> 00:41:57.480
<v Speaker 2>go keep that on home. I'm going to go to

747
00:41:57.559 --> 00:42:00.199
<v Speaker 2>Don first. Callers always get priority. Don go ahead, head,

748
00:42:00.239 --> 00:42:01.199
<v Speaker 2>what's going on with you? Don?

749
00:42:03.360 --> 00:42:07.039
<v Speaker 13>I have a problem with the Bunyan Chure Center. They

750
00:42:07.039 --> 00:42:08.239
<v Speaker 13>did some surger around my.

751
00:42:08.480 --> 00:42:15.480
<v Speaker 2>Bunyan Cure Center. May I ask if you if you

752
00:42:15.880 --> 00:42:23.119
<v Speaker 2>have uh a podiatrist or an MD.

753
00:42:25.639 --> 00:42:26.840
<v Speaker 13>Now it looks like it.

754
00:42:27.159 --> 00:42:31.800
<v Speaker 2>Not all podiatrists. Not all potiatrists are mds. They go

755
00:42:31.880 --> 00:42:36.840
<v Speaker 2>to a special school, much more limited and they can't

756
00:42:36.840 --> 00:42:40.599
<v Speaker 2>go beyond the foot. So in your case, when you

757
00:42:40.639 --> 00:42:44.000
<v Speaker 2>went to this Bunyan center, is this did you get

758
00:42:44.039 --> 00:42:46.639
<v Speaker 2>treated by a podiatrist or an MD?

759
00:42:48.519 --> 00:42:55.039
<v Speaker 13>It's yeah, a doctor of pyliatric Medicine. It says Board.

760
00:42:54.800 --> 00:43:05.119
<v Speaker 2>Certified Podiatric of Podiatric Medicine. Yes, yeah, so it's a podieatris. Again,

761
00:43:05.480 --> 00:43:09.679
<v Speaker 2>they are medical doctors, but only for the ankle and foot.

762
00:43:10.239 --> 00:43:14.360
<v Speaker 2>They are licensed physicians. They can perform surgeries, they can

763
00:43:14.400 --> 00:43:20.280
<v Speaker 2>preside medication, and they can do imaging and tests and

764
00:43:20.320 --> 00:43:24.719
<v Speaker 2>treat injuries and deformities of the feet and ankles. They're

765
00:43:24.760 --> 00:43:30.400
<v Speaker 2>called DPMs. Okay, so now what is your problem with

766
00:43:30.519 --> 00:43:31.599
<v Speaker 2>this center?

767
00:43:33.360 --> 00:43:36.920
<v Speaker 13>Well, I had my big toe was crooked and it

768
00:43:37.000 --> 00:43:41.320
<v Speaker 13>was you know, my second toe was sticking up, and

769
00:43:41.360 --> 00:43:45.000
<v Speaker 13>I went down okay, said that they could do the procedure.

770
00:43:46.079 --> 00:43:49.280
<v Speaker 2>And now what procedure did they say they could do?

771
00:43:51.039 --> 00:43:53.239
<v Speaker 13>Well, they said they could straighten out my toes and

772
00:43:53.280 --> 00:43:58.039
<v Speaker 13>make everything you know, aligned and back the.

773
00:43:58.000 --> 00:44:00.719
<v Speaker 2>Way it's full and what would What did you tell

774
00:44:00.760 --> 00:44:03.039
<v Speaker 2>me was the formal name of this place.

775
00:44:04.760 --> 00:44:12.559
<v Speaker 13>It's called the Bunyan Cure. It's on coal Mine Road, yes.

776
00:44:12.760 --> 00:44:16.559
<v Speaker 2>In Littleton. Okay, Now what happened? What went wrong?

777
00:44:18.280 --> 00:44:22.840
<v Speaker 13>Well, they did that, they broke my toes and lined

778
00:44:22.880 --> 00:44:27.039
<v Speaker 13>them up and it's like it was doing okay, And

779
00:44:27.079 --> 00:44:31.239
<v Speaker 13>now like six or eight months later my right toe,

780
00:44:32.480 --> 00:44:37.000
<v Speaker 13>my big toes grown back to the right, and all

781
00:44:37.079 --> 00:44:40.639
<v Speaker 13>my toes are all sticking up and in that really.

782
00:44:40.400 --> 00:44:45.840
<v Speaker 5>Bad major tobro sideways. I guess I knew. I thought

783
00:44:45.880 --> 00:44:49.239
<v Speaker 5>a bunyan was like like a like a ward or something.

784
00:44:49.280 --> 00:44:53.760
<v Speaker 2>What is a bunyan? Well, okay, but but Mark, I

785
00:44:53.840 --> 00:44:59.679
<v Speaker 2>understand this. It the bunyon itself is on the side

786
00:44:59.679 --> 00:45:02.480
<v Speaker 2>of a foot, on the left or right, and it

787
00:45:02.559 --> 00:45:07.360
<v Speaker 2>is a malformation of the joint. Now what or not?

788
00:45:07.360 --> 00:45:09.159
<v Speaker 2>Not actually of the joint, but it's like a big

789
00:45:09.199 --> 00:45:12.599
<v Speaker 2>giant piece of arthritis for lack of a better term.

790
00:45:13.079 --> 00:45:15.960
<v Speaker 2>You know, it's it's an amazing growth. But was your

791
00:45:16.119 --> 00:45:18.960
<v Speaker 2>Here's what I want to know, though, Were your crooked?

792
00:45:19.960 --> 00:45:23.880
<v Speaker 2>Were your crooked toes a result of a bunion?

793
00:45:26.079 --> 00:45:31.519
<v Speaker 13>That's what they said, because the point did they did

794
00:45:31.559 --> 00:45:33.280
<v Speaker 13>they put a rod in your foot?

795
00:45:33.599 --> 00:45:35.519
<v Speaker 2>Did they put a rod in your foot?

796
00:45:36.440 --> 00:45:36.760
<v Speaker 1>Yes?

797
00:45:37.400 --> 00:45:41.519
<v Speaker 2>Okay? Then and did they actually shave off the bunion itself?

798
00:45:43.000 --> 00:45:45.599
<v Speaker 1>Yes? Okay?

799
00:45:46.280 --> 00:45:50.920
<v Speaker 2>And so it did not hold. That's what I don't understand.

800
00:45:51.079 --> 00:45:53.559
<v Speaker 2>What did First of all, let me ask you this, Okay,

801
00:45:54.000 --> 00:45:56.960
<v Speaker 2>I have no reason to believe that you're dealing with quacks.

802
00:45:57.320 --> 00:46:00.079
<v Speaker 2>So what did they say, when you said, hey, it

803
00:46:00.119 --> 00:46:04.920
<v Speaker 2>did not hold, you must have gone back to them.

804
00:46:04.000 --> 00:46:09.719
<v Speaker 13>Yes, And then they said, well, sorry, it's because of

805
00:46:09.760 --> 00:46:14.719
<v Speaker 13>your nerves and your stuff in your foot, and now

806
00:46:14.800 --> 00:46:18.679
<v Speaker 13>my right foot is worse now than it was before.

807
00:46:20.559 --> 00:46:22.639
<v Speaker 2>And now did you both be done?

808
00:46:22.719 --> 00:46:23.599
<v Speaker 1>It was come up?

809
00:46:24.519 --> 00:46:24.760
<v Speaker 13>Yes?

810
00:46:27.320 --> 00:46:30.559
<v Speaker 2>And is only the right foot? Is only the right

811
00:46:30.599 --> 00:46:33.599
<v Speaker 2>foot worse? Or did they both? Did they both revert

812
00:46:33.719 --> 00:46:35.000
<v Speaker 2>back to a bad condition?

813
00:46:37.119 --> 00:46:39.960
<v Speaker 13>Now my left foot is still okay, except for my

814
00:46:40.119 --> 00:46:45.239
<v Speaker 13>toe is like it looks like it's really big and purple.

815
00:46:45.719 --> 00:46:49.199
<v Speaker 13>But my right foot is the one that was the

816
00:46:49.320 --> 00:46:53.760
<v Speaker 13>major issue, and now it's worse than it was because

817
00:46:53.800 --> 00:46:55.159
<v Speaker 13>my toes are like done.

818
00:46:55.679 --> 00:47:00.159
<v Speaker 2>My question is this My question is this, is this

819
00:47:00.239 --> 00:47:05.960
<v Speaker 2>condition on your right foot the same as you had

820
00:47:06.000 --> 00:47:09.119
<v Speaker 2>before but worse or is it a different condition?

821
00:47:12.360 --> 00:47:16.039
<v Speaker 13>It's worse than it was before. It's a little and

822
00:47:16.079 --> 00:47:18.320
<v Speaker 13>it just seems like it's a little bit different.

823
00:47:20.280 --> 00:47:24.840
<v Speaker 2>Okay. Is it possible that they're telling the truth that hey,

824
00:47:25.360 --> 00:47:29.159
<v Speaker 2>we can't help it. Your nerves are such that it

825
00:47:29.239 --> 00:47:32.360
<v Speaker 2>brought back the condition. I don't understand how it could

826
00:47:32.400 --> 00:47:36.000
<v Speaker 2>come back if they put a rod in your foot.

827
00:47:36.320 --> 00:47:41.960
<v Speaker 13>Right and they're saying that they're telling me that they

828
00:47:42.079 --> 00:47:48.440
<v Speaker 13>explained to me all this information and I have all

829
00:47:48.480 --> 00:47:51.039
<v Speaker 13>the paperwork confronted me and it has nothing to do

830
00:47:51.079 --> 00:47:54.480
<v Speaker 13>with it. It costs me twenty five thousand dollars.

831
00:47:56.039 --> 00:47:58.719
<v Speaker 2>Did your insurance pay for it?

832
00:47:58.880 --> 00:48:01.920
<v Speaker 13>My insurance paid some of it, Jesus.

833
00:48:02.519 --> 00:48:04.679
<v Speaker 2>And how long did it take for it to come back?

834
00:48:04.719 --> 00:48:05.119
<v Speaker 2>A year?

835
00:48:09.199 --> 00:48:11.880
<v Speaker 13>A little bit last, probably eight months or so. So

836
00:48:11.920 --> 00:48:16.320
<v Speaker 13>I talked to him today and I sent him pictures

837
00:48:16.760 --> 00:48:22.199
<v Speaker 13>of my toe or my feet, and they're like blowing

838
00:48:22.280 --> 00:48:23.400
<v Speaker 13>me off and they don't care.

839
00:48:25.079 --> 00:48:30.119
<v Speaker 2>Let's put deputy doc on a phone call Mark. I

840
00:48:31.679 --> 00:48:33.760
<v Speaker 2>looked up this. I looked this up and it said

841
00:48:34.039 --> 00:48:38.199
<v Speaker 2>there are several reasons why these issues come back even

842
00:48:38.239 --> 00:48:42.199
<v Speaker 2>after the rod placement and successful surgery, and they're not

843
00:48:42.320 --> 00:48:49.239
<v Speaker 2>always due to a mistake. According to my boyfriend, there

844
00:48:49.280 --> 00:48:52.840
<v Speaker 2>are underlying foot mechanics that can cause it to come back,

845
00:48:53.239 --> 00:48:58.079
<v Speaker 2>including nerve conditions and Achilles tendons. I mean, it's very possible.

846
00:48:58.880 --> 00:49:01.360
<v Speaker 2>I don't know how to put this, but it's very possible.

847
00:49:01.559 --> 00:49:05.440
<v Speaker 2>But they that.

848
00:49:05.440 --> 00:49:09.920
<v Speaker 13>Rod out, yes, when they said my toe is pine.

849
00:49:10.480 --> 00:49:12.719
<v Speaker 13>They took the rod out like six months ago and

850
00:49:12.760 --> 00:49:16.639
<v Speaker 13>they said, hey, everything's good, and they pulled the rods out.

851
00:49:16.800 --> 00:49:18.840
<v Speaker 2>Are the rods meant to come out? Did they take

852
00:49:18.880 --> 00:49:20.119
<v Speaker 2>the rods out of both feet?

853
00:49:21.559 --> 00:49:21.800
<v Speaker 13>Yes?

854
00:49:24.079 --> 00:49:24.880
<v Speaker 2>Is that normal?

855
00:49:25.079 --> 00:49:27.679
<v Speaker 13>Out of both toes? Huh?

856
00:49:27.840 --> 00:49:28.639
<v Speaker 2>Is it normal?

857
00:49:31.440 --> 00:49:32.519
<v Speaker 14>I guess.

858
00:49:32.559 --> 00:49:35.480
<v Speaker 13>So that's what they told me. They said, Hey, the

859
00:49:35.559 --> 00:49:39.920
<v Speaker 13>toes doing good, it's healing. We're going to pull the

860
00:49:40.000 --> 00:49:43.840
<v Speaker 13>rods out. And they pulled the rods out. And then

861
00:49:44.159 --> 00:49:47.920
<v Speaker 13>once they pulled the rods out, then my toes started

862
00:49:47.960 --> 00:49:49.920
<v Speaker 13>doing the same thing they did before.

863
00:49:52.719 --> 00:49:58.280
<v Speaker 2>Okay, again, looking this up on a website for medical issues,

864
00:49:58.360 --> 00:50:02.079
<v Speaker 2>it says that any of these rods or pins are

865
00:50:02.119 --> 00:50:06.760
<v Speaker 2>meant to be term temporary, but there are some that

866
00:50:06.840 --> 00:50:12.320
<v Speaker 2>are permanent. So listen, I let me just explain something

867
00:50:12.320 --> 00:50:16.039
<v Speaker 2>to your bottom line here. In order for this to

868
00:50:16.079 --> 00:50:20.400
<v Speaker 2>be malpractice it would have to be a condition that

869
00:50:20.559 --> 00:50:25.639
<v Speaker 2>was caused by them or their inadequacy to do the

870
00:50:25.679 --> 00:50:29.079
<v Speaker 2>procedure correctly. Do you believe that's it or do you

871
00:50:29.159 --> 00:50:33.480
<v Speaker 2>believe that possibly you just have a complicated foot issue.

872
00:50:34.280 --> 00:50:38.559
<v Speaker 13>Yes, that's probably true. But I'm not trying to get mountpracticed.

873
00:50:38.840 --> 00:50:40.079
<v Speaker 13>I just want them to help me.

874
00:50:41.679 --> 00:50:45.880
<v Speaker 2>Okay, now that is fair. Don are when you say

875
00:50:46.280 --> 00:50:48.719
<v Speaker 2>when you say you're looking for them to help you

876
00:50:49.480 --> 00:50:53.880
<v Speaker 2>my question, are you looking okay? No? But are you

877
00:50:53.920 --> 00:50:57.719
<v Speaker 2>looking for maybe a discount going forward? No?

878
00:50:58.360 --> 00:51:00.880
<v Speaker 13>I just want them to fix it and help me,

879
00:51:02.239 --> 00:51:03.599
<v Speaker 13>but they're blowing me off.

880
00:51:05.000 --> 00:51:07.440
<v Speaker 2>Wait a minute, you can't even get a follow up

881
00:51:07.559 --> 00:51:08.840
<v Speaker 2>visit just to help you.

882
00:51:09.000 --> 00:51:11.400
<v Speaker 5>Why not find another doctor at this point? If you

883
00:51:11.440 --> 00:51:14.920
<v Speaker 5>do have medical insurance, why not why not find somebody better?

884
00:51:16.559 --> 00:51:19.000
<v Speaker 2>Don? Well, first of all, Mark, I don't believe he

885
00:51:19.079 --> 00:51:23.960
<v Speaker 2>said insurance. Else are you on Medicare? I'm just asking

886
00:51:24.039 --> 00:51:25.159
<v Speaker 2>because you sound older?

887
00:51:25.199 --> 00:51:25.440
<v Speaker 12>Are you?

888
00:51:25.519 --> 00:51:28.599
<v Speaker 13>I'm on Medicare and I'm on Medicare and I have

889
00:51:28.679 --> 00:51:32.920
<v Speaker 13>segment and they paid an only nine of this?

890
00:51:33.119 --> 00:51:33.360
<v Speaker 6>Yeah?

891
00:51:36.119 --> 00:51:37.400
<v Speaker 2>Bo, Bo had a question?

892
00:51:37.480 --> 00:51:38.960
<v Speaker 13>Go ahead, boy?

893
00:51:39.079 --> 00:51:41.159
<v Speaker 1>So Don, did you get a hold of that money?

894
00:51:42.719 --> 00:51:42.880
<v Speaker 2>Yeah?

895
00:51:42.960 --> 00:51:43.159
<v Speaker 15>Don?

896
00:51:43.199 --> 00:51:44.199
<v Speaker 2>Did I understand that?

897
00:51:44.480 --> 00:51:47.800
<v Speaker 15>Did you get hold of doctor Jordan's Sullivan He seems

898
00:51:47.800 --> 00:51:52.159
<v Speaker 15>to be the managing partner of this Bunyan care center.

899
00:51:52.440 --> 00:51:53.559
<v Speaker 15>Did you get a hold of him?

900
00:51:53.639 --> 00:51:53.960
<v Speaker 2>Yes?

901
00:51:54.639 --> 00:51:58.199
<v Speaker 13>He did, Yes, I I texted him, I send him

902
00:51:58.199 --> 00:52:02.719
<v Speaker 13>pictures of my thing. And then that doctor Sullivan, I

903
00:52:02.840 --> 00:52:05.599
<v Speaker 13>talked to the owner, whatever his name is.

904
00:52:07.000 --> 00:52:13.280
<v Speaker 2>Yeah, Michael, here's what I Here's what I'm thinking. Why

905
00:52:13.360 --> 00:52:16.400
<v Speaker 2>don't we call over there now? Obviously they will not

906
00:52:16.599 --> 00:52:20.000
<v Speaker 2>talk to us about the call, but we can call

907
00:52:20.079 --> 00:52:23.719
<v Speaker 2>and say, look at you're you know, we understand. Here's

908
00:52:23.760 --> 00:52:26.119
<v Speaker 2>what we say. We understand you can't talk to us

909
00:52:26.159 --> 00:52:28.920
<v Speaker 2>about this specific case, but we want you to know

910
00:52:29.280 --> 00:52:33.280
<v Speaker 2>that your client or your patient did contact us and

911
00:52:33.320 --> 00:52:37.639
<v Speaker 2>they're concerned that you won't do follow up care. And

912
00:52:37.719 --> 00:52:41.159
<v Speaker 2>before we take this to another level, we want we

913
00:52:41.199 --> 00:52:43.800
<v Speaker 2>are asking you to reach out to your client. Bo,

914
00:52:44.199 --> 00:52:44.840
<v Speaker 2>you could do that.

915
00:52:45.440 --> 00:52:45.840
<v Speaker 1>I could.

916
00:52:47.519 --> 00:52:51.039
<v Speaker 13>I talked to the doctor and he and said he

917
00:52:51.079 --> 00:52:54.119
<v Speaker 13>couldn't hear me. He said he couldn't hear me, and

918
00:52:54.239 --> 00:52:54.840
<v Speaker 13>he hung.

919
00:52:54.760 --> 00:52:55.199
<v Speaker 14>Up on me.

920
00:52:56.039 --> 00:52:57.840
<v Speaker 2>And then all right, we're gonna make sure he does

921
00:52:57.920 --> 00:53:00.320
<v Speaker 2>hear you. Let's just put it that way. We're gonna

922
00:53:00.320 --> 00:53:02.760
<v Speaker 2>make sure he does hear you. I didn't take the fifth,

923
00:53:02.880 --> 00:53:07.880
<v Speaker 2>did I? Shannon? All right, I gotta take this break. Bo.

924
00:53:08.400 --> 00:53:10.199
<v Speaker 2>Let's talk to him off the here and get this done.

925
00:53:10.440 --> 00:53:16.679
<v Speaker 2>I'm Tom Martino more coming up. Go with a sure

926
00:53:16.800 --> 00:53:20.199
<v Speaker 2>thing Denver's Best roofer Excel roofing dot com. You don't

927
00:53:20.239 --> 00:53:26.280
<v Speaker 2>pay a cent until you're content. Time for an insurance

928
00:53:26.360 --> 00:53:30.039
<v Speaker 2>check up free, no obligation. In comparison, call Compass insurance

929
00:53:30.199 --> 00:53:33.239
<v Speaker 2>paying too much your coverage at dozens of insurance companies.

930
00:53:33.320 --> 00:53:35.320
<v Speaker 2>Find Out Now three oh three, seven to seven to

931
00:53:35.360 --> 00:53:38.159
<v Speaker 2>one help. You'll think you're his only customer when you

932
00:53:38.239 --> 00:53:40.679
<v Speaker 2>choose Frank durand the real estate Man dot Com to

933
00:53:40.760 --> 00:53:43.920
<v Speaker 2>list your home with Remax Alliance three oh three nine

934
00:53:44.000 --> 00:53:55.840
<v Speaker 2>two zero sixteen twenty two. Tom Martino here three three

935
00:53:55.920 --> 00:53:58.320
<v Speaker 2>seven one three talks seven one three eight two five five.

936
00:53:58.679 --> 00:54:01.239
<v Speaker 2>Let's continue where we were. Who wanted to say something?

937
00:54:01.280 --> 00:54:05.119
<v Speaker 2>I guess I guess the deputy Bow wanted to say

938
00:54:05.159 --> 00:54:07.639
<v Speaker 2>something to Don about the foot doctor. But we we

939
00:54:07.719 --> 00:54:09.559
<v Speaker 2>are going to call over there and light a fire.

940
00:54:09.639 --> 00:54:12.679
<v Speaker 2>But what issue did you want to bring up about that? Bow?

941
00:54:13.400 --> 00:54:13.599
<v Speaker 11>Oh?

942
00:54:13.639 --> 00:54:14.400
<v Speaker 1>I looked it up.

943
00:54:14.480 --> 00:54:18.679
<v Speaker 15>It seems like this Bunyan Cure Center has almost a

944
00:54:18.719 --> 00:54:19.880
<v Speaker 15>five star review.

945
00:54:20.159 --> 00:54:22.119
<v Speaker 1>It seemed like they're a pretty good outfit. But as

946
00:54:22.119 --> 00:54:23.639
<v Speaker 1>soon as Kelly gets me the.

947
00:54:23.760 --> 00:54:27.559
<v Speaker 15>Uh last name, I will call over there and then

948
00:54:27.639 --> 00:54:31.199
<v Speaker 15>add a question for Nick Gravina regarding the run right.

949
00:54:31.199 --> 00:54:33.039
<v Speaker 2>So Don hang on and we will be in touch

950
00:54:33.079 --> 00:54:35.559
<v Speaker 2>with you and get close to your mind, please, okay?

951
00:54:35.599 --> 00:54:39.760
<v Speaker 2>So then go ahead for Nick, Nick, have a.

952
00:54:39.760 --> 00:54:43.599
<v Speaker 15>Question on d Dana that you went on the rooster

953
00:54:43.679 --> 00:54:44.599
<v Speaker 15>Lady d Now.

954
00:54:44.480 --> 00:54:47.079
<v Speaker 2>The Rooster Lady is the one that had windows installed,

955
00:54:47.440 --> 00:54:50.079
<v Speaker 2>and she was promised it would let enough solar radiation

956
00:54:50.239 --> 00:54:53.559
<v Speaker 2>into her home so her passive solar home would still

957
00:54:53.599 --> 00:54:58.239
<v Speaker 2>be operational. As it turns out, it really cut down

958
00:54:58.320 --> 00:55:00.639
<v Speaker 2>on the efficiency of her home and it did not

959
00:55:00.800 --> 00:55:03.079
<v Speaker 2>let solar radiation through as they promised.

960
00:55:03.119 --> 00:55:06.880
<v Speaker 15>Go ahead, right, So Nick, in case she can't get

961
00:55:06.920 --> 00:55:11.599
<v Speaker 15>a resolution with renewal by Anderson, is it possible just

962
00:55:11.760 --> 00:55:17.000
<v Speaker 15>to replace the pane of glass that would be so expensive?

963
00:55:17.199 --> 00:55:19.639
<v Speaker 2>Well? I don't know, but Nick, go ahead. If she

964
00:55:19.719 --> 00:55:22.639
<v Speaker 2>wanted to go around that house, well, they already replaced

965
00:55:22.639 --> 00:55:25.159
<v Speaker 2>the windows. I'm sure Nick would have looked at other options.

966
00:55:25.199 --> 00:55:28.320
<v Speaker 2>But Nick, what is the practicality of doing away with

967
00:55:28.360 --> 00:55:31.480
<v Speaker 2>that lowy? You know, to do a new pane of window?

968
00:55:32.119 --> 00:55:34.000
<v Speaker 6>Yeah, I mean you know you could switch out the glass.

969
00:55:34.039 --> 00:55:35.360
<v Speaker 6>That's what I told her I would do if I

970
00:55:35.440 --> 00:55:37.599
<v Speaker 6>was in the situation. You know, if my salesman will

971
00:55:37.679 --> 00:55:39.199
<v Speaker 6>you would hold on you.

972
00:55:39.400 --> 00:55:45.000
<v Speaker 2>You're talking about replacing the actual insulated glass unit, the IGU,

973
00:55:45.119 --> 00:55:45.880
<v Speaker 2>the whole unit.

974
00:55:46.079 --> 00:55:46.320
<v Speaker 1>Yep?

975
00:55:48.000 --> 00:55:51.079
<v Speaker 2>Can you do that efficiently? Can you do that for

976
00:55:51.320 --> 00:55:52.360
<v Speaker 2>cost efficiency?

977
00:55:52.440 --> 00:55:53.679
<v Speaker 6>We do it all the time. We just did it

978
00:55:53.719 --> 00:55:55.199
<v Speaker 6>with the guy that called in earlier.

979
00:55:54.880 --> 00:56:00.440
<v Speaker 2>Frank, really explain how that works, because I'm fascinating by that.

980
00:56:00.559 --> 00:56:01.000
<v Speaker 2>Go ahead.

981
00:56:01.039 --> 00:56:03.119
<v Speaker 6>So we just did it at Mark's house yesterday as well.

982
00:56:03.159 --> 00:56:05.320
<v Speaker 6>I mean, he had one above his door that failed

983
00:56:05.400 --> 00:56:09.920
<v Speaker 6>unit in it. And most glasses just sealed to the frame.

984
00:56:10.000 --> 00:56:13.480
<v Speaker 6>If it's wood, if it's fiberglass, if it's vinyl. There's

985
00:56:13.519 --> 00:56:17.119
<v Speaker 6>some that are trapped in the sash farm, few in between,

986
00:56:17.159 --> 00:56:19.039
<v Speaker 6>but there are some I'm not too familiar with the

987
00:56:19.159 --> 00:56:22.199
<v Speaker 6>renewal product if they are. But most of the stuff

988
00:56:22.239 --> 00:56:25.360
<v Speaker 6>we sell our vinyl, fiberglass and wood windows can all

989
00:56:25.400 --> 00:56:28.000
<v Speaker 6>be the glass can all be removed for warranty issues

990
00:56:28.079 --> 00:56:30.599
<v Speaker 6>and reset back in the existing frame.

991
00:56:31.920 --> 00:56:36.440
<v Speaker 2>Okay, So had she done the IGU replacement the insulated

992
00:56:36.519 --> 00:56:39.639
<v Speaker 2>glass unit, And the reason I say that is because

993
00:56:39.840 --> 00:56:42.360
<v Speaker 2>I want to explain to people, you're not taking out

994
00:56:42.400 --> 00:56:45.119
<v Speaker 2>one pane of glass, You're taking out the whole unit

995
00:56:45.400 --> 00:56:49.000
<v Speaker 2>and putting in a brand new one. Sure, So had

996
00:56:49.079 --> 00:56:52.199
<v Speaker 2>she done that, would it have been cheaper than replacing

997
00:56:52.239 --> 00:56:53.159
<v Speaker 2>all the windows?

998
00:56:54.360 --> 00:56:57.280
<v Speaker 6>It possibly can, It just depends on which outfit does it.

999
00:56:57.360 --> 00:57:01.239
<v Speaker 6>But the problem with that if the if the manufacturer

1000
00:57:01.239 --> 00:57:05.480
<v Speaker 6>themselves do not do it, then usually the warranty goes away.

1001
00:57:06.239 --> 00:57:07.800
<v Speaker 6>So if she hired AB.

1002
00:57:07.920 --> 00:57:10.360
<v Speaker 2>Said you would have done it, but you said you

1003
00:57:10.360 --> 00:57:10.960
<v Speaker 2>would have done it.

1004
00:57:11.000 --> 00:57:13.960
<v Speaker 6>I was saying, if my salesman went up and did

1005
00:57:14.000 --> 00:57:17.960
<v Speaker 6>not key in on her passive solar house, and I

1006
00:57:18.000 --> 00:57:20.079
<v Speaker 6>got involved, and I went up there said yes, this

1007
00:57:20.199 --> 00:57:22.719
<v Speaker 6>is a passive solar house, I would have immediately said

1008
00:57:23.199 --> 00:57:25.320
<v Speaker 6>we're going to switch out your glass with what should

1009
00:57:25.519 --> 00:57:27.199
<v Speaker 6>be for your house. That's what I would have done

1010
00:57:27.239 --> 00:57:29.760
<v Speaker 6>as a company if we would have made the same mistake.

1011
00:57:31.199 --> 00:57:34.559
<v Speaker 6>I get it. Yeah, so it's and again if I

1012
00:57:35.039 --> 00:57:36.719
<v Speaker 6>don't know if my company can do that, because I

1013
00:57:36.719 --> 00:57:38.880
<v Speaker 6>didn't look at them like that when I was up there.

1014
00:57:39.800 --> 00:57:43.159
<v Speaker 6>But if they could be removed, I could have given

1015
00:57:43.199 --> 00:57:45.639
<v Speaker 6>her that option. But again there would be like knock,

1016
00:57:45.960 --> 00:57:48.719
<v Speaker 6>got to be no warranty involved from her old windows.

1017
00:57:48.719 --> 00:57:51.400
<v Speaker 6>That's the bad thing about switching out glass from somebody.

1018
00:57:51.440 --> 00:57:52.840
<v Speaker 6>That's not what the manufacturer.

1019
00:57:52.920 --> 00:57:56.760
<v Speaker 15>Well, well, Nick, maybe the Rooster lady can just call

1020
00:57:56.840 --> 00:57:58.960
<v Speaker 15>renewal and then maybe have a negotiation.

1021
00:57:59.000 --> 00:58:01.920
<v Speaker 2>Well, she already put one windows in. Well she already

1022
00:58:01.960 --> 00:58:02.519
<v Speaker 2>went through.

1023
00:58:02.320 --> 00:58:05.280
<v Speaker 1>It, but the glass is wrong. Just to replace the glass, but.

1024
00:58:05.239 --> 00:58:08.920
<v Speaker 2>She already put in all new windows isn't that right, Nick?

1025
00:58:09.239 --> 00:58:12.639
<v Speaker 6>Not all of them? And again she I'm gonna do

1026
00:58:12.679 --> 00:58:14.400
<v Speaker 6>some new ones for her, just the ones that make

1027
00:58:14.400 --> 00:58:17.199
<v Speaker 6>the biggest difference for him. But she's tried to get

1028
00:58:17.199 --> 00:58:19.039
<v Speaker 6>a hold of them and they just don't even want

1029
00:58:19.039 --> 00:58:19.639
<v Speaker 6>to talk to her.

1030
00:58:20.519 --> 00:58:24.679
<v Speaker 2>So wait a minute, how much of the job did you, guys? Redo?

1031
00:58:25.039 --> 00:58:28.519
<v Speaker 6>We haven't redone it yet. It's there on order we're redoing.

1032
00:58:28.519 --> 00:58:32.000
<v Speaker 2>So right now, nothing has actually been done to her home.

1033
00:58:33.320 --> 00:58:42.079
<v Speaker 6>The Renewal replaced one, two, three, four I think four

1034
00:58:42.119 --> 00:58:45.760
<v Speaker 6>window openings in a patio order and then I'm replaced.

1035
00:58:45.480 --> 00:58:48.679
<v Speaker 2>So renew will already replace And what did they replace

1036
00:58:48.760 --> 00:58:49.280
<v Speaker 2>them with.

1037
00:58:49.800 --> 00:58:51.920
<v Speaker 6>The Renewal by Anderson product?

1038
00:58:52.800 --> 00:58:52.880
<v Speaker 2>No?

1039
00:58:53.079 --> 00:58:54.519
<v Speaker 1>But is it the correct glass?

1040
00:58:54.599 --> 00:58:57.960
<v Speaker 2>No, he doesn't mean they replaced him after the problem.

1041
00:58:58.000 --> 00:58:59.719
<v Speaker 2>He means that's what they did originally.

1042
00:59:00.000 --> 00:59:03.159
<v Speaker 6>Oh okay, right, and then also placing two windows in

1043
00:59:03.159 --> 00:59:05.280
<v Speaker 6>the patio door because those are the ones that affect

1044
00:59:05.320 --> 00:59:06.000
<v Speaker 6>them the most.

1045
00:59:05.880 --> 00:59:10.239
<v Speaker 2>Right now, the one okay, So if you replace those

1046
00:59:10.280 --> 00:59:14.519
<v Speaker 2>windows in the patio door that Renewal did, how much

1047
00:59:14.679 --> 00:59:18.920
<v Speaker 2>of that job was done needlessly? In other words, what

1048
00:59:19.000 --> 00:59:20.440
<v Speaker 2>did she pay for that part.

1049
00:59:20.280 --> 00:59:26.679
<v Speaker 6>Of the job from Renewal everything? Yes, I want to

1050
00:59:26.719 --> 00:59:28.960
<v Speaker 6>say everything she did with Renewal. I want to say

1051
00:59:29.000 --> 00:59:33.679
<v Speaker 6>was somewhere around I want to say twenty eight, oh,

1052
00:59:33.679 --> 00:59:36.519
<v Speaker 6>twenty eight okay, and then but she has interesting how much?

1053
00:59:38.159 --> 00:59:41.159
<v Speaker 2>Yeah? I want to know though, how much was the

1054
00:59:41.280 --> 00:59:44.599
<v Speaker 2>part that was done wrong? Well?

1055
00:59:44.800 --> 00:59:47.519
<v Speaker 6>If yeah, the whole the whole window job that they did.

1056
00:59:47.559 --> 00:59:51.480
<v Speaker 6>As far as I'm concerned, they gave her the wrong glass, right,

1057
00:59:52.000 --> 00:59:52.519
<v Speaker 6>I get it.

1058
00:59:52.760 --> 00:59:55.880
<v Speaker 2>But how much to correct the patio part, which is

1059
00:59:55.920 --> 00:59:59.920
<v Speaker 2>the most important. How much did she spend on that?

1060
01:00:00.400 --> 01:00:03.599
<v Speaker 6>I would have to look at it. Probably ten probably

1061
01:00:03.599 --> 01:00:04.119
<v Speaker 6>ten grand?

1062
01:00:05.519 --> 01:00:07.920
<v Speaker 2>Okay. The reason I'm saying this, Nick, and I'm being

1063
01:00:07.960 --> 01:00:12.719
<v Speaker 2>so exacting, is I'm thinking small claims court. You know,

1064
01:00:13.000 --> 01:00:16.519
<v Speaker 2>seventy five hundred bucks. Right, you go to small claims court,

1065
01:00:16.880 --> 01:00:20.119
<v Speaker 2>you bring the text in, it's relaxed rules of evidence,

1066
01:00:20.360 --> 01:00:23.719
<v Speaker 2>and at least she'll get something, because otherwise we're looking

1067
01:00:23.760 --> 01:00:27.320
<v Speaker 2>at hiring an attorney and doing a giant you know

1068
01:00:27.719 --> 01:00:31.760
<v Speaker 2>where it almost never pays. Have you tried talking to

1069
01:00:31.880 --> 01:00:35.519
<v Speaker 2>Renewal specifically about this?

1070
01:00:36.079 --> 01:00:36.639
<v Speaker 1>I have not.

1071
01:00:36.840 --> 01:00:36.920
<v Speaker 14>No.

1072
01:00:37.199 --> 01:00:40.239
<v Speaker 6>I've tried to instruct her on what to Colin Bell

1073
01:00:40.320 --> 01:00:43.360
<v Speaker 6>and ask about. They won't talk to her. Green Sky

1074
01:00:43.480 --> 01:00:47.239
<v Speaker 6>the finance company won't talk to her. It just seems

1075
01:00:47.360 --> 01:00:50.320
<v Speaker 6>like she's in a vortex of you know, no help.

1076
01:00:50.960 --> 01:00:52.000
<v Speaker 6>That's why I got involved.

1077
01:00:52.000 --> 01:00:55.000
<v Speaker 2>Now. Is renewal by Anderson one company? Or are there

1078
01:00:55.039 --> 01:00:56.960
<v Speaker 2>are several that do renewal by Anderson?

1079
01:00:58.119 --> 01:01:00.239
<v Speaker 6>It's one company, but there's a couple in this day

1080
01:01:00.239 --> 01:01:01.599
<v Speaker 6>and they're privately owned.

1081
01:01:03.960 --> 01:01:06.599
<v Speaker 2>Okay, so each So if you look up renewal by Anderson,

1082
01:01:07.280 --> 01:01:10.000
<v Speaker 2>if you look up renewal by Anderson in Denver, you're

1083
01:01:10.000 --> 01:01:12.159
<v Speaker 2>only going to get one company, right.

1084
01:01:12.119 --> 01:01:17.360
<v Speaker 6>There's a Denver one or Collins one. And I never

1085
01:01:17.360 --> 01:01:19.639
<v Speaker 6>really have complaints about him, you know, they've been around forever.

1086
01:01:19.679 --> 01:01:22.800
<v Speaker 6>We really don't. Again, the installation was great. I just

1087
01:01:22.800 --> 01:01:25.119
<v Speaker 6>think they did a disservice, not with the glass, you know.

1088
01:01:25.119 --> 01:01:27.280
<v Speaker 6>And and to me, it's frustrating that if you're in

1089
01:01:27.280 --> 01:01:29.679
<v Speaker 6>this industry and to say that you have a an

1090
01:01:29.800 --> 01:01:33.920
<v Speaker 6>energy mandated uh, you know, no, I get it. I

1091
01:01:33.920 --> 01:01:37.519
<v Speaker 6>don't know. So I talked to the building department up

1092
01:01:37.519 --> 01:01:39.280
<v Speaker 6>there and I told him the scenario and he knows.

1093
01:01:39.280 --> 01:01:42.000
<v Speaker 6>The lady said, hey, with the passive solar house, I

1094
01:01:42.039 --> 01:01:44.400
<v Speaker 6>know you guys want a certain rating. But he's like,

1095
01:01:44.440 --> 01:01:46.920
<v Speaker 6>I understand passive solar houses and just get me what

1096
01:01:47.480 --> 01:01:50.519
<v Speaker 6>you know we can do here, and he was he understood,

1097
01:01:50.559 --> 01:01:53.000
<v Speaker 6>just fine, And so to tell him that's what what

1098
01:01:53.039 --> 01:01:55.719
<v Speaker 6>the government wants is also not a great statement.

1099
01:01:56.960 --> 01:01:58.599
<v Speaker 2>All right, well, we have open lines. If you have

1100
01:01:58.599 --> 01:02:00.360
<v Speaker 2>a problem question, you can quite three or three seven

1101
01:02:00.400 --> 01:02:02.559
<v Speaker 2>one three talks seven one three eight two five five.

1102
01:02:02.599 --> 01:02:04.760
<v Speaker 2>By the way, fix It twenty four to seven can

1103
01:02:04.760 --> 01:02:07.159
<v Speaker 2>do an extreme clean of your AC before it gets

1104
01:02:07.159 --> 01:02:09.880
<v Speaker 2>really hot with a no breakdown guarantee. It's a practical

1105
01:02:09.920 --> 01:02:13.360
<v Speaker 2>refurbishment of your entire system for thirty nine bucks for

1106
01:02:13.400 --> 01:02:16.119
<v Speaker 2>customers that never had it done before. They want to

1107
01:02:16.159 --> 01:02:18.639
<v Speaker 2>show you what they can do. Fix my home dot

1108
01:02:18.679 --> 01:02:25.840
<v Speaker 2>com Go with a sure thing Denver's best roofer Excel

1109
01:02:25.960 --> 01:02:29.039
<v Speaker 2>Roofing dot com. You don't pay a cent until you're content.

1110
01:02:32.400 --> 01:02:35.599
<v Speaker 2>Time for an insurance check up, free no obligation comparison

1111
01:02:35.719 --> 01:02:39.320
<v Speaker 2>call Compass Insurance paying too much your coverage at dozens

1112
01:02:39.320 --> 01:02:42.039
<v Speaker 2>of insurance companies find out now three oh three, seven

1113
01:02:42.039 --> 01:02:44.400
<v Speaker 2>to seven to one help. You'll think you're his only

1114
01:02:44.480 --> 01:02:46.960
<v Speaker 2>customer when you choose Frank durand the real estate Man

1115
01:02:47.000 --> 01:02:50.400
<v Speaker 2>dot com to list your home with Remax Alliance three

1116
01:02:50.480 --> 01:02:56.840
<v Speaker 2>oh three nine two zero sixteen twenty two.

1117
01:02:57.760 --> 01:03:00.599
<v Speaker 5>All right, three oh three seven one three a two

1118
01:03:00.719 --> 01:03:04.599
<v Speaker 5>five five three zero three Martina, what do we got

1119
01:03:04.639 --> 01:03:05.239
<v Speaker 5>cooking up here?

1120
01:03:05.320 --> 01:03:06.960
<v Speaker 2>Let's go to Jay job.

1121
01:03:07.119 --> 01:03:13.920
<v Speaker 5>Here's your question on protecting assets, okay, protecting the asses.

1122
01:03:14.440 --> 01:03:17.960
<v Speaker 14>Before mark, Before you start yelling at me, I just

1123
01:03:18.000 --> 01:03:22.199
<v Speaker 14>want to say ours immigration and today's laws. Today, current

1124
01:03:22.239 --> 01:03:24.679
<v Speaker 14>immigration was none of us would be here from Europe,

1125
01:03:24.800 --> 01:03:27.119
<v Speaker 14>none of our European descents would be able to immigrate

1126
01:03:27.159 --> 01:03:29.719
<v Speaker 14>to this country on today's laws. Now that I said that,

1127
01:03:29.840 --> 01:03:30.639
<v Speaker 14>let me get the question.

1128
01:03:31.599 --> 01:03:34.480
<v Speaker 2>I have a jay jjjj Wait a minute, wait a minute,

1129
01:03:34.559 --> 01:03:37.079
<v Speaker 2>explain what you mean by that.

1130
01:03:37.079 --> 01:03:40.400
<v Speaker 14>That's when all our ancestors came from Europe. It was

1131
01:03:40.440 --> 01:03:43.360
<v Speaker 14>open immigration from the eighteen eighties to the nineteen twenties.

1132
01:03:43.840 --> 01:03:47.960
<v Speaker 2>That's when the majority you know why right? Well suppose

1133
01:03:48.079 --> 01:03:48.639
<v Speaker 2>you know why? Right?

1134
01:03:48.960 --> 01:03:52.679
<v Speaker 14>For the why.

1135
01:03:51.679 --> 01:03:56.800
<v Speaker 2>Because because it was because it was a time when

1136
01:03:56.840 --> 01:04:00.239
<v Speaker 2>our population was next to nothing and we need did

1137
01:04:00.320 --> 01:04:03.880
<v Speaker 2>the influx of people like just what you said, Okay,

1138
01:04:03.920 --> 01:04:06.280
<v Speaker 2>that's why the Statue of Liberty was put up there,

1139
01:04:06.320 --> 01:04:09.639
<v Speaker 2>and we invited people from all walks of life. It's

1140
01:04:10.119 --> 01:04:12.239
<v Speaker 2>but they still had to go through a little bit

1141
01:04:12.239 --> 01:04:15.320
<v Speaker 2>of something. It wasn't much, but it was a whole

1142
01:04:15.320 --> 01:04:17.920
<v Speaker 2>different time. Jay, I just want to ask you something.

1143
01:04:17.960 --> 01:04:19.519
<v Speaker 2>I promise you I'm not gonna yell at you neither

1144
01:04:19.559 --> 01:04:24.199
<v Speaker 2>remark do you feel that the do you feel that

1145
01:04:24.280 --> 01:04:29.239
<v Speaker 2>the current immigration laws are too restrictive when enforced?

1146
01:04:31.639 --> 01:04:35.079
<v Speaker 14>Personally? Say, I think the borders should be impenetrable, there

1147
01:04:35.119 --> 01:04:37.679
<v Speaker 14>should be no we should have walls and everything else.

1148
01:04:38.119 --> 01:04:41.039
<v Speaker 14>Although forty percent of these immigrants are coming through the

1149
01:04:41.079 --> 01:04:42.880
<v Speaker 14>airports which fake visas.

1150
01:04:43.119 --> 01:04:45.519
<v Speaker 2>But it answered, but go ahead, go ahead. What were

1151
01:04:45.519 --> 01:04:47.960
<v Speaker 2>you the laws? You're restrictive?

1152
01:04:50.320 --> 01:04:53.679
<v Speaker 14>Yes, because there is no legal way for a peasant

1153
01:04:54.199 --> 01:04:59.480
<v Speaker 14>emphasis on the word peasant, uneducated peasant from Guatemala. There

1154
01:04:59.599 --> 01:05:02.639
<v Speaker 14>was no legal mechanism for them to immigrate to the

1155
01:05:02.719 --> 01:05:06.400
<v Speaker 14>United States. It's all I would guarantee you. Maybe the

1156
01:05:06.480 --> 01:05:11.000
<v Speaker 14>ninety percent of all current immigrants are here through fraud

1157
01:05:11.159 --> 01:05:14.559
<v Speaker 14>or or through someone else that got here through fraud

1158
01:05:15.239 --> 01:05:18.599
<v Speaker 14>or through Reagan's amnesty program. I can guarantee you that

1159
01:05:18.800 --> 01:05:22.639
<v Speaker 14>I know this system very well. I know this system

1160
01:05:22.679 --> 01:05:25.639
<v Speaker 14>so well because my wife's from Thailand. You know my wife,

1161
01:05:25.639 --> 01:05:28.480
<v Speaker 14>of course, she used to work at Georgie's station break

1162
01:05:29.119 --> 01:05:29.880
<v Speaker 14>in your lobby.

1163
01:05:30.360 --> 01:05:36.480
<v Speaker 2>I love her yes, was one.

1164
01:05:37.039 --> 01:05:40.239
<v Speaker 14>Well, the older one was Tom Stree or Rim and

1165
01:05:40.519 --> 01:05:42.679
<v Speaker 14>the younger one who was my wife was b b

1166
01:05:42.800 --> 01:05:43.519
<v Speaker 14>e B.

1167
01:05:45.320 --> 01:05:49.360
<v Speaker 2>I remember B. I remember b What a lovely woman.

1168
01:05:50.360 --> 01:05:52.840
<v Speaker 2>And how do you know what Georgie's doing right now?

1169
01:05:54.159 --> 01:05:55.079
<v Speaker 11>No?

1170
01:05:55.079 --> 01:06:01.239
<v Speaker 14>No, I spoke to him about ten years ago, and

1171
01:06:01.480 --> 01:06:02.639
<v Speaker 14>I don't know what he's doing now.

1172
01:06:02.800 --> 01:06:02.840
<v Speaker 4>No.

1173
01:06:03.880 --> 01:06:08.239
<v Speaker 2>Okay, well, Jay, what is your question on protecting assets?

1174
01:06:08.760 --> 01:06:12.360
<v Speaker 14>Okay? I have a friend. He's a restaurant manager. He's

1175
01:06:12.360 --> 01:06:15.840
<v Speaker 14>from Mexico. He came here illegally when he was eighteen,

1176
01:06:16.320 --> 01:06:19.360
<v Speaker 14>about twenty twenty five years ago. He now speaks to

1177
01:06:19.360 --> 01:06:23.599
<v Speaker 14>the English fluently. He's in his forties. He's married to

1178
01:06:23.679 --> 01:06:27.880
<v Speaker 14>a Mexican who's also illegal. They have a thirteen and

1179
01:06:27.960 --> 01:06:33.960
<v Speaker 14>fifteen year old kid. He recently applied with an immigration

1180
01:06:34.039 --> 01:06:37.920
<v Speaker 14>attorney to become legal through some I don't think he's

1181
01:06:37.920 --> 01:06:41.320
<v Speaker 14>going to get some hardship case. Because his father died

1182
01:06:41.360 --> 01:06:43.599
<v Speaker 14>at the age of eleven. I don't know he'll get

1183
01:06:43.599 --> 01:06:47.880
<v Speaker 14>his green cousin or not. Well. Anyway, over the years,

1184
01:06:48.480 --> 01:06:51.719
<v Speaker 14>he has worked six or seven days a week, you know,

1185
01:06:51.920 --> 01:06:56.320
<v Speaker 14>many hours a day. He now owns five properties. By

1186
01:06:56.360 --> 01:06:58.360
<v Speaker 14>the way, I send you an email called immigration a

1187
01:06:58.480 --> 01:07:03.119
<v Speaker 14>help at troubleshoe at dot com anyway, okay, And he

1188
01:07:03.239 --> 01:07:06.639
<v Speaker 14>has an individual tax what's it called iti N number,

1189
01:07:06.639 --> 01:07:10.880
<v Speaker 14>which is called Individual tax Payer Identification number, which is

1190
01:07:10.920 --> 01:07:14.800
<v Speaker 14>a number for illegals basically to pay taxes. He has

1191
01:07:14.800 --> 01:07:17.880
<v Speaker 14>a Colorade drive license that they do give it out

1192
01:07:17.880 --> 01:07:24.239
<v Speaker 14>to illegals. He owns five properties. There's a law now

1193
01:07:24.599 --> 01:07:27.800
<v Speaker 14>that if you get a deportation right now. He thought

1194
01:07:27.880 --> 01:07:32.280
<v Speaker 14>he was protected from any possibility of deportation. It seems

1195
01:07:32.320 --> 01:07:35.000
<v Speaker 14>like things are a little bit less how do I

1196
01:07:35.079 --> 01:07:39.000
<v Speaker 14>say concrete? And he's worried that if he got a

1197
01:07:39.039 --> 01:07:43.880
<v Speaker 14>deportational order and he does not self deport, if he

1198
01:07:44.039 --> 01:07:48.840
<v Speaker 14>just takes off, there's they can find him nine hundred

1199
01:07:48.880 --> 01:07:51.639
<v Speaker 14>and ninety eight dollars a day and go after his assets.

1200
01:07:53.159 --> 01:07:55.400
<v Speaker 2>Yeah, hold on, Jay, I'm going to come right back

1201
01:07:55.400 --> 01:08:00.840
<v Speaker 2>and we'll address this coming up. Hold on, go with

1202
01:08:00.920 --> 01:08:04.480
<v Speaker 2>a sure thing Denver's Best roofer Excel roofing dot com.

1203
01:08:04.519 --> 01:08:10.280
<v Speaker 2>You don't pay a cent until you're content. Time for

1204
01:08:10.280 --> 01:08:14.639
<v Speaker 2>an insurance checkup free no obligation comparison call compass insurance

1205
01:08:14.800 --> 01:08:17.840
<v Speaker 2>paying too much your coverage at dozens of insurance companies

1206
01:08:17.920 --> 01:08:20.079
<v Speaker 2>find out now three all three seven to seven to one.

1207
01:08:20.239 --> 01:08:23.079
<v Speaker 2>Help You'll think you're his only customer when you choose

1208
01:08:23.079 --> 01:08:25.600
<v Speaker 2>Frank durand the real estate man dot Com to list

1209
01:08:25.640 --> 01:08:28.720
<v Speaker 2>your home with Remax Alliance three oh three nine two

1210
01:08:28.800 --> 01:08:34.680
<v Speaker 2>zero sixteen twenty two. Hi, Tom Arts, you know I

1211
01:08:34.680 --> 01:08:36.680
<v Speaker 2>want to go back to Jay and I'll sum it up.

1212
01:08:37.079 --> 01:08:40.199
<v Speaker 2>Jay's friend has accumulated some wealth. He's here illegally. He's

1213
01:08:40.239 --> 01:08:42.960
<v Speaker 2>afraid if he gets fined or deported, he's going to

1214
01:08:43.039 --> 01:08:47.159
<v Speaker 2>lose his assets because they can, as with any government fine,

1215
01:08:47.319 --> 01:08:50.199
<v Speaker 2>they can attach assets. He wants to know how he

1216
01:08:50.279 --> 01:08:56.920
<v Speaker 2>protects them, Well, Jay, legally if it's if they're his properties,

1217
01:08:57.239 --> 01:09:02.319
<v Speaker 2>the government ken and will attach them if it's part

1218
01:09:02.560 --> 01:09:05.800
<v Speaker 2>of a fine. So obviously the best thing to do

1219
01:09:06.199 --> 01:09:08.279
<v Speaker 2>is to put himself in a position where he's not

1220
01:09:08.359 --> 01:09:11.439
<v Speaker 2>being fined. But another thing he can do is this,

1221
01:09:12.079 --> 01:09:16.239
<v Speaker 2>and it requires extreme trust. He would form an LLC

1222
01:09:17.079 --> 01:09:20.880
<v Speaker 2>for his five rental properties or for each rental property,

1223
01:09:21.319 --> 01:09:24.479
<v Speaker 2>and he would have a silent part He would have

1224
01:09:24.520 --> 01:09:29.000
<v Speaker 2>a partner like you or someone legal in the United States,

1225
01:09:29.479 --> 01:09:33.479
<v Speaker 2>to take control of the LLC. Very seldom will they

1226
01:09:33.479 --> 01:09:36.520
<v Speaker 2>go in and take his individual interests. Now, if they

1227
01:09:36.560 --> 01:09:40.840
<v Speaker 2>suspect it's done fraudulently, all bets are off. Now again,

1228
01:09:41.199 --> 01:09:43.680
<v Speaker 2>when I say this, people might say, well, are you

1229
01:09:43.960 --> 01:09:47.199
<v Speaker 2>encouraging them to do something fraudulently. No, I'm not, Jay,

1230
01:09:47.560 --> 01:09:51.199
<v Speaker 2>because you can legally buy into that LLC for a

1231
01:09:51.279 --> 01:09:53.560
<v Speaker 2>dollar or two or five or ten or one hundred,

1232
01:09:53.760 --> 01:09:56.680
<v Speaker 2>and then you can legally get bought back out again.

1233
01:09:57.319 --> 01:09:59.279
<v Speaker 2>And you don't have to make a profit. No one

1234
01:09:59.279 --> 01:10:01.319
<v Speaker 2>says you have to make make a profit. And he's

1235
01:10:01.359 --> 01:10:04.199
<v Speaker 2>allowed to do that. He's allowed to sell his interest

1236
01:10:04.199 --> 01:10:06.920
<v Speaker 2>to you, and he's allowed to buy it back. But

1237
01:10:07.000 --> 01:10:10.880
<v Speaker 2>it requires a friendship and extreme trust. Do you understand

1238
01:10:10.960 --> 01:10:11.479
<v Speaker 2>what I'm saying?

1239
01:10:12.319 --> 01:10:15.279
<v Speaker 14>Yeah, I have a couple of questions. It could be

1240
01:10:15.319 --> 01:10:17.880
<v Speaker 14>to a brother or sister who's here legally also, right,

1241
01:10:17.920 --> 01:10:19.840
<v Speaker 14>that would be an option, that's.

1242
01:10:19.720 --> 01:10:23.520
<v Speaker 2>Right, that's right. Place they should buy his interests. They

1243
01:10:23.560 --> 01:10:26.479
<v Speaker 2>should buy his interests all but maybe five percent of it,

1244
01:10:26.840 --> 01:10:28.760
<v Speaker 2>and then sell it back to him when he gets

1245
01:10:28.800 --> 01:10:30.880
<v Speaker 2>everything straightened out and that.

1246
01:10:31.199 --> 01:10:33.600
<v Speaker 14>But if I did it, I would have to report

1247
01:10:33.640 --> 01:10:35.239
<v Speaker 14>that all my annual income tax.

1248
01:10:35.399 --> 01:10:38.720
<v Speaker 2>Right, Well, there's no Well, if there's income in the

1249
01:10:38.960 --> 01:10:41.479
<v Speaker 2>LLC and you control it, yes, that would go on

1250
01:10:41.520 --> 01:10:44.199
<v Speaker 2>your ledger, but then you could also settle up with

1251
01:10:44.279 --> 01:10:47.319
<v Speaker 2>him later on in life when it gets straightened out.

1252
01:10:47.359 --> 01:10:50.479
<v Speaker 2>You keep a ledger of any additional tax you would

1253
01:10:50.560 --> 01:10:53.079
<v Speaker 2>have to pay. Most of the time, there's really not

1254
01:10:53.199 --> 01:10:56.199
<v Speaker 2>that much tax with rentals until you sell them. But

1255
01:10:56.279 --> 01:10:58.600
<v Speaker 2>if he's making a boatload of money, yeah, you would

1256
01:10:58.600 --> 01:11:01.640
<v Speaker 2>have to declare it. You stick around if you have

1257
01:11:01.720 --> 01:11:05.119
<v Speaker 2>more specific questions. I'm Tom Martino. Jennifer's coming up next

1258
01:11:05.119 --> 01:11:07.760
<v Speaker 2>with air conditioning questions and more. Go with a sure

1259
01:11:07.880 --> 01:11:11.319
<v Speaker 2>thing Denver's Best roofer Excel Roofing dot com. You don't

1260
01:11:11.319 --> 01:11:17.359
<v Speaker 2>pay a cent until you're content. Time for an insurance

1261
01:11:17.439 --> 01:11:21.560
<v Speaker 2>check up free no obligation comparison call Compass Insurance paying

1262
01:11:21.600 --> 01:11:24.640
<v Speaker 2>too much your coverage at dozens of insurance companies find

1263
01:11:24.640 --> 01:11:27.000
<v Speaker 2>out now three oh three seven to seven to one help.

1264
01:11:27.159 --> 01:11:29.800
<v Speaker 2>You'll think you're his only customer when you choose Frank

1265
01:11:29.880 --> 01:11:32.319
<v Speaker 2>Durand the real estate Man dot com to list your

1266
01:11:32.359 --> 01:11:35.520
<v Speaker 2>home with Remax Alliance three oh three nine two zero

1267
01:11:35.600 --> 01:11:36.600
<v Speaker 2>sixteen twenty two.

1268
01:11:42.560 --> 01:11:43.079
<v Speaker 6>Ripped of.

1269
01:11:44.840 --> 01:11:47.800
<v Speaker 1>News needs who you don't have?

1270
01:11:50.079 --> 01:11:55.720
<v Speaker 3>Come runing as fast as we can. Shooter's gonna help come.

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01:11:57.239 --> 01:12:01.920
<v Speaker 4>Dix is the Troubleshooter Show, Tom Martino.

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01:12:02.920 --> 01:12:06.479
<v Speaker 2>Hey, Hey, Hey, Tom Marchino. Here, let's talk about your problems,

1273
01:12:06.600 --> 01:12:08.800
<v Speaker 2>questions and complaints in what would can do to help you?

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01:12:09.560 --> 01:12:11.279
<v Speaker 2>This hour brought to you by Frank durand The real

1275
01:12:11.399 --> 01:12:13.840
<v Speaker 2>Estate Man dot Com. Frank will give you a complete

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01:12:13.960 --> 01:12:17.000
<v Speaker 2>market evaluation of your home to tell you what it

1277
01:12:17.039 --> 01:12:18.960
<v Speaker 2>will sell for, what you will clear, and what you

1278
01:12:19.039 --> 01:12:22.079
<v Speaker 2>can buy. All of that analysis is free of charge.

1279
01:12:22.159 --> 01:12:25.399
<v Speaker 2>Complementary of Frank Duran, one of the most prolific real

1280
01:12:25.520 --> 01:12:28.479
<v Speaker 2>estate brokers in the state, selling for more money and

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01:12:28.680 --> 01:12:32.159
<v Speaker 2>for quicker than most. That's Frank Duran, The real Estate

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01:12:32.239 --> 01:12:35.600
<v Speaker 2>Man dot Com. Three h three nine two zero sixteen

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01:12:35.840 --> 01:12:39.479
<v Speaker 2>twenty two. Welcome, all right, so let's talk. I'm going

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01:12:39.520 --> 01:12:41.640
<v Speaker 2>to finish up with Jay. Jay said he has a

1285
01:12:41.720 --> 01:12:45.079
<v Speaker 2>friend here illegally for many many years, has kids, a wife,

1286
01:12:45.479 --> 01:12:49.279
<v Speaker 2>and his wife's here illegally as well. He's accumulated five

1287
01:12:49.319 --> 01:12:51.600
<v Speaker 2>rental properties. He fears he's going to be fined or

1288
01:12:51.640 --> 01:12:54.439
<v Speaker 2>losing his assets if he's supported. He wants to know

1289
01:12:54.560 --> 01:12:56.640
<v Speaker 2>what he can do to protect them until he gets

1290
01:12:56.680 --> 01:12:59.680
<v Speaker 2>everything straightened out. As I said before, it takes a

1291
01:12:59.720 --> 01:13:01.760
<v Speaker 2>certain level of trust. You have a friend or a relative,

1292
01:13:02.079 --> 01:13:05.319
<v Speaker 2>and they can easily buy your shares of the LLC.

1293
01:13:06.439 --> 01:13:09.960
<v Speaker 2>And it has nothing to do with anything except you

1294
01:13:10.079 --> 01:13:13.760
<v Speaker 2>put the properties in the LLC and then you sell them,

1295
01:13:13.840 --> 01:13:16.199
<v Speaker 2>and you can sell them for anything you want. Not

1296
01:13:16.359 --> 01:13:19.960
<v Speaker 2>the properties, but you sell the LLC share for anything

1297
01:13:20.000 --> 01:13:25.199
<v Speaker 2>you want. They retain ownership or majority until you straighten

1298
01:13:25.239 --> 01:13:26.840
<v Speaker 2>all your stuff up and you buy it back for

1299
01:13:26.920 --> 01:13:30.359
<v Speaker 2>the same price. No big deal, no tax consequences, nothing.

1300
01:13:30.800 --> 01:13:34.359
<v Speaker 2>But if the LLCs make money and you own the

1301
01:13:34.600 --> 01:13:37.479
<v Speaker 2>LLC while it's making money, you would have to if

1302
01:13:37.520 --> 01:13:39.760
<v Speaker 2>you are helping this guy out, you would have to

1303
01:13:39.840 --> 01:13:42.439
<v Speaker 2>declare that income. But you could keep a ledger for

1304
01:13:42.560 --> 01:13:45.800
<v Speaker 2>later on. And if you had to pay some extra tax,

1305
01:13:46.279 --> 01:13:48.439
<v Speaker 2>you can have him pay you back for that. It's

1306
01:13:48.520 --> 01:13:51.000
<v Speaker 2>all a matter of trust. Jay, What are your follow

1307
01:13:51.079 --> 01:13:51.760
<v Speaker 2>up questions?

1308
01:13:52.560 --> 01:13:54.399
<v Speaker 14>Well, let me ask. We have farming this who owned

1309
01:13:54.399 --> 01:13:56.600
<v Speaker 14>businesses in America all the time because his mother in

1310
01:13:56.680 --> 01:13:57.520
<v Speaker 14>Mexico own it.

1311
01:14:01.119 --> 01:14:04.079
<v Speaker 2>Yes, if she's legally in Mexico, she can own a

1312
01:14:04.159 --> 01:14:06.800
<v Speaker 2>US property. Yes, he could.

1313
01:14:06.960 --> 01:14:08.720
<v Speaker 14>He could. She could be the one who buys it.

1314
01:14:09.199 --> 01:14:12.359
<v Speaker 14>Now she would have to file American incompact on any profit.

1315
01:14:12.439 --> 01:14:16.079
<v Speaker 2>I assume on any income she makes in the States,

1316
01:14:16.239 --> 01:14:17.760
<v Speaker 2>on any income in the States.

1317
01:14:17.520 --> 01:14:21.119
<v Speaker 14>That's right, yep, even though she's in Mexico, never leaves

1318
01:14:21.239 --> 01:14:21.960
<v Speaker 14>Mexico stations.

1319
01:14:22.239 --> 01:14:26.439
<v Speaker 2>Yeah, people, people can own property in America. In fact,

1320
01:14:27.319 --> 01:14:28.840
<v Speaker 2>ask the Chinese.

1321
01:14:29.560 --> 01:14:32.439
<v Speaker 14>Right, right, that's exactly. Let me ask you one more question.

1322
01:14:32.520 --> 01:14:34.880
<v Speaker 14>You said the LLC, which he has them in sept

1323
01:14:34.960 --> 01:14:37.560
<v Speaker 14>the LLCs. My other question is is there any other

1324
01:14:37.680 --> 01:14:40.960
<v Speaker 14>kind of trust or land trust, property trust that you

1325
01:14:41.039 --> 01:14:43.920
<v Speaker 14>know of that would be that would be more of

1326
01:14:43.960 --> 01:14:45.439
<v Speaker 14>a protective instrument.

1327
01:14:47.680 --> 01:14:51.279
<v Speaker 2>No, And first of all, there is no trust. There

1328
01:14:51.319 --> 01:14:53.680
<v Speaker 2>would be no reason to do it a trust, and

1329
01:14:53.800 --> 01:14:56.560
<v Speaker 2>a trust would not protect anything because if he's in

1330
01:14:56.680 --> 01:14:59.800
<v Speaker 2>control of the trust, then they can take anything they

1331
01:14:59.840 --> 01:15:03.079
<v Speaker 2>want on from his trust. The only way he could

1332
01:15:03.079 --> 01:15:05.359
<v Speaker 2>do it in a trust to protect it is an

1333
01:15:05.439 --> 01:15:09.319
<v Speaker 2>irrevocable trust or an offshore trust. But you get into

1334
01:15:09.359 --> 01:15:12.920
<v Speaker 2>all that crap and he gets really complicated and it

1335
01:15:13.000 --> 01:15:16.760
<v Speaker 2>gets weird. So I would not mess with an irrevocable trust.

1336
01:15:17.039 --> 01:15:19.680
<v Speaker 2>He might get himself into a position he doesn't like,

1337
01:15:20.159 --> 01:15:22.359
<v Speaker 2>and I would not mess with an offshore trust.

1338
01:15:23.800 --> 01:15:26.399
<v Speaker 14>Okay, it sounds like having his mother take ownership of

1339
01:15:26.479 --> 01:15:30.720
<v Speaker 14>it from Mexico might be the best why not? Yeah,

1340
01:15:30.880 --> 01:15:31.880
<v Speaker 14>of course, very much.

1341
01:15:32.159 --> 01:15:33.960
<v Speaker 2>But he has to have a sale. He has to

1342
01:15:34.000 --> 01:15:36.279
<v Speaker 2>have a sale of the of the interest in the LLC.

1343
01:15:37.720 --> 01:15:39.359
<v Speaker 10>Yes, yes, I understand that.

1344
01:15:39.520 --> 01:15:41.880
<v Speaker 2>Yes, that yet, and he might want to, he might

1345
01:15:41.960 --> 01:15:44.359
<v Speaker 2>want to. They might want to talk to an accountant

1346
01:15:44.359 --> 01:15:48.279
<v Speaker 2>about the tax implications, because you want to make sure

1347
01:15:48.840 --> 01:15:52.119
<v Speaker 2>that it doesn't mess up his basis on his properties.

1348
01:15:52.520 --> 01:15:55.079
<v Speaker 2>And the way you get around that is easy. You

1349
01:15:55.199 --> 01:15:59.079
<v Speaker 2>can have them purchase it for the real basis and

1350
01:15:59.239 --> 01:16:01.960
<v Speaker 2>you can have a small amount of money down and

1351
01:16:02.119 --> 01:16:05.880
<v Speaker 2>he can hold the other in a note, or it

1352
01:16:05.960 --> 01:16:09.000
<v Speaker 2>can be a promisory note. There are ways to legally

1353
01:16:09.079 --> 01:16:11.039
<v Speaker 2>do it, but I don't think it will mess up

1354
01:16:11.600 --> 01:16:15.479
<v Speaker 2>his basis by selling interest in an LLC. But you

1355
01:16:15.640 --> 01:16:18.760
<v Speaker 2>might want to check with taxing authorities both in Mexico

1356
01:16:18.800 --> 01:16:21.760
<v Speaker 2>of his mother's going to do it, and hear what

1357
01:16:22.000 --> 01:16:25.079
<v Speaker 2>his ramifications are, because you don't want him selling it

1358
01:16:25.640 --> 01:16:28.000
<v Speaker 2>for a dollar and finding out later on that his

1359
01:16:28.119 --> 01:16:30.680
<v Speaker 2>basis is a dollar. Although that won't be the end

1360
01:16:30.680 --> 01:16:34.399
<v Speaker 2>of the world anyway, because if it's rental property, going

1361
01:16:34.479 --> 01:16:40.319
<v Speaker 2>to have to pay gain. I'm Tom Martino. Well, Jennifer's next, Jennifer,

1362
01:16:41.039 --> 01:16:43.199
<v Speaker 2>what is your question? On air conditioning.

1363
01:16:45.600 --> 01:16:52.640
<v Speaker 12>It's really a recommendation. My ho ads right now are

1364
01:16:53.159 --> 01:16:59.840
<v Speaker 12>just not affordable. I'm in Colorado Springs And a separate topic,

1365
01:17:00.000 --> 01:17:02.920
<v Speaker 12>which I won't go into, is it's a correct HOA.

1366
01:17:03.119 --> 01:17:06.920
<v Speaker 12>But that's another story. But I have to move into

1367
01:17:07.000 --> 01:17:11.279
<v Speaker 12>a much smaller condo that has lower HOA dues and

1368
01:17:12.199 --> 01:17:16.199
<v Speaker 12>it does not have AC installed currently, and I have

1369
01:17:16.359 --> 01:17:20.000
<v Speaker 12>been all over the internet looking for the best deal

1370
01:17:20.119 --> 01:17:23.039
<v Speaker 12>I can find, and I'm not finding it.

1371
01:17:23.159 --> 01:17:24.079
<v Speaker 10>So I thought you.

1372
01:17:24.279 --> 01:17:26.560
<v Speaker 12>Guys might know who to call.

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01:17:28.239 --> 01:17:31.800
<v Speaker 2>Okay, Jennifer, I have a few questions for you. Okay,

1374
01:17:32.640 --> 01:17:35.760
<v Speaker 2>am I correct in assuming you sold your old condo

1375
01:17:35.880 --> 01:17:37.159
<v Speaker 2>and moving into another one.

1376
01:17:38.840 --> 01:17:42.800
<v Speaker 12>I am about to sell because I cannot afford the

1377
01:17:43.039 --> 01:17:49.359
<v Speaker 12>HOA dues here into a one bedroom and ninety two

1378
01:17:49.439 --> 01:17:51.560
<v Speaker 12>square foot one bedroom that hasn't made.

1379
01:17:51.600 --> 01:17:54.039
<v Speaker 2>Okay, you're you're going to have a big problem. Let

1380
01:17:54.119 --> 01:17:57.119
<v Speaker 2>me tell you about the big problem. If you're moving

1381
01:17:57.159 --> 01:17:59.680
<v Speaker 2>into a new condo, that's not the problem. It's easy.

1382
01:17:59.720 --> 01:18:05.399
<v Speaker 2>You say your current unit and you're buying a new one. Okay.

1383
01:18:05.960 --> 01:18:08.560
<v Speaker 2>Now the problem is if there's no AC in it,

1384
01:18:09.319 --> 01:18:12.399
<v Speaker 2>you're going to get no, You're you're not going to

1385
01:18:12.439 --> 01:18:15.479
<v Speaker 2>be able to get a company to put an AC

1386
01:18:15.800 --> 01:18:19.520
<v Speaker 2>unit in a condo. Every company I know will not

1387
01:18:19.680 --> 01:18:22.840
<v Speaker 2>do it. They do not work on condos. They don't

1388
01:18:22.880 --> 01:18:27.319
<v Speaker 2>want responsibility, they don't want any part of it. But

1389
01:18:27.560 --> 01:18:29.960
<v Speaker 2>but it might be different in your case. So I'm

1390
01:18:30.000 --> 01:18:33.199
<v Speaker 2>going to ask a few questions. Yeah, are these totally

1391
01:18:33.680 --> 01:18:39.520
<v Speaker 2>independent heating and air units in each condo? Yes?

1392
01:18:39.840 --> 01:18:43.159
<v Speaker 12>And everyone has them on the roof? Who has gotten them?

1393
01:18:43.279 --> 01:18:44.960
<v Speaker 12>They're they're all there's a place?

1394
01:18:45.079 --> 01:18:48.520
<v Speaker 2>So are these? Are these more like town homes? Are

1395
01:18:48.600 --> 01:18:49.560
<v Speaker 2>these town homes?

1396
01:18:50.279 --> 01:18:51.399
<v Speaker 12>No condos?

1397
01:18:53.600 --> 01:18:57.640
<v Speaker 2>So? How explain to me how that works? So you

1398
01:18:57.760 --> 01:19:03.279
<v Speaker 2>have a building, let's say, how many in a building? Oh?

1399
01:19:03.399 --> 01:19:09.920
<v Speaker 12>Boy, I think the number I read was ninety ninety

1400
01:19:10.319 --> 01:19:10.840
<v Speaker 12>in one.

1401
01:19:10.800 --> 01:19:13.479
<v Speaker 2>Building in one building and possible yeah.

1402
01:19:14.520 --> 01:19:16.640
<v Speaker 14>Well no in little set buildings.

1403
01:19:18.199 --> 01:19:25.359
<v Speaker 2>So I'm asking you in one building, how many Condosh

1404
01:19:26.319 --> 01:19:27.640
<v Speaker 2>there's three floors?

1405
01:19:28.199 --> 01:19:30.039
<v Speaker 12>I think three on each floor?

1406
01:19:30.600 --> 01:19:31.920
<v Speaker 7>So nine?

1407
01:19:32.000 --> 01:19:32.479
<v Speaker 13>So nine?

1408
01:19:33.760 --> 01:19:36.680
<v Speaker 2>So if you look at a building, you see nine

1409
01:19:36.880 --> 01:19:38.920
<v Speaker 2>different AC units on the roof.

1410
01:19:41.239 --> 01:19:46.560
<v Speaker 12>Yeah, and I know neighbors down there has had hers

1411
01:19:46.680 --> 01:19:49.960
<v Speaker 12>and stalls. It's almost everyone has them up there.

1412
01:19:51.600 --> 01:19:54.439
<v Speaker 2>Okay, what you need to do is find out who

1413
01:19:54.560 --> 01:19:58.439
<v Speaker 2>did them, because I know of no companies that will

1414
01:19:58.520 --> 01:20:02.479
<v Speaker 2>go on a condo roof, install an air conditioner and

1415
01:20:02.640 --> 01:20:06.119
<v Speaker 2>plummet to your unit. I know of none. It's the

1416
01:20:06.239 --> 01:20:08.880
<v Speaker 2>one of the most difficult things to have done. If

1417
01:20:08.920 --> 01:20:11.319
<v Speaker 2>you have a condo, if you want a water heater,

1418
01:20:11.960 --> 01:20:14.920
<v Speaker 2>if you want an AC, if you want a furnace,

1419
01:20:15.319 --> 01:20:19.760
<v Speaker 2>if you want anything like that, it's almost impossible to

1420
01:20:19.880 --> 01:20:25.239
<v Speaker 2>get someone to work on your unit. And Bo, what

1421
01:20:25.359 --> 01:20:26.079
<v Speaker 2>are you going to say?

1422
01:20:26.319 --> 01:20:30.199
<v Speaker 15>Go ahead, bo, Jennifer, this is BO. Is this a

1423
01:20:30.319 --> 01:20:32.279
<v Speaker 15>brand new installation or repair?

1424
01:20:32.560 --> 01:20:33.279
<v Speaker 6>No, this is not.

1425
01:20:33.560 --> 01:20:38.319
<v Speaker 2>This is a unit in an existing condo buildings. It's

1426
01:20:38.359 --> 01:20:41.800
<v Speaker 2>an existing condo unit and her one bedroom condo does

1427
01:20:41.880 --> 01:20:44.359
<v Speaker 2>not have AC and she wants it installed.

1428
01:20:44.520 --> 01:20:46.680
<v Speaker 1>How about just put a mini splait in that room?

1429
01:20:46.880 --> 01:20:50.439
<v Speaker 2>Yeah, but no, who's gonna install it? Well, I know too,

1430
01:20:50.560 --> 01:20:52.840
<v Speaker 2>right off the bed. Okay, if you know them, then

1431
01:20:52.880 --> 01:20:55.680
<v Speaker 2>give her the names, because I know of not one company.

1432
01:20:56.359 --> 01:20:59.800
<v Speaker 2>Because of liability nowadays, I don't know of one company

1433
01:20:59.880 --> 01:21:04.239
<v Speaker 2>that will work on group or condo developments. Not one.

1434
01:21:04.479 --> 01:21:06.840
<v Speaker 1>Is it two story or a three story building?

1435
01:21:07.960 --> 01:21:12.479
<v Speaker 12>It's for free, But there's hookups like it's ready to

1436
01:21:12.640 --> 01:21:15.159
<v Speaker 12>be installed up on the road.

1437
01:21:15.560 --> 01:21:18.239
<v Speaker 2>Wait, what kind of hookups? Are we talking about.

1438
01:21:19.720 --> 01:21:20.439
<v Speaker 14>Well, I don't know.

1439
01:21:20.520 --> 01:21:21.880
<v Speaker 8>I've been climbed on the roof.

1440
01:21:22.039 --> 01:21:24.920
<v Speaker 12>But there's an easy access to the roof.

1441
01:21:26.479 --> 01:21:29.399
<v Speaker 2>No, But I mean you say there are hookups. Is

1442
01:21:29.479 --> 01:21:33.319
<v Speaker 2>it already pre plumbed from the roof to the unit?

1443
01:21:33.479 --> 01:21:36.960
<v Speaker 14>Yes, yes, you know that for sure.

1444
01:21:38.680 --> 01:21:44.000
<v Speaker 12>Yes, because somebody who owned one had one installed a

1445
01:21:44.119 --> 01:21:45.000
<v Speaker 12>couple of years ago.

1446
01:21:46.479 --> 01:21:49.079
<v Speaker 2>Okay, well that makes it easier. But I still don't

1447
01:21:49.159 --> 01:21:52.359
<v Speaker 2>know anyone who will take the responsibility of going on

1448
01:21:52.439 --> 01:21:55.640
<v Speaker 2>a condo roof or installing a condo unit. But bo,

1449
01:21:55.840 --> 01:21:57.000
<v Speaker 2>who do you know that we'll do it?

1450
01:21:57.600 --> 01:21:59.159
<v Speaker 6>I know two companies, Well who are they?

1451
01:21:59.239 --> 01:22:04.960
<v Speaker 15>Okay, Forward Motion Mechanical and Wilderness Construction. They will work

1452
01:22:05.039 --> 01:22:08.600
<v Speaker 15>on those condo units. And it sounds to me, Jennifer,

1453
01:22:08.680 --> 01:22:12.439
<v Speaker 15>you already have the suction, the suction and liquid line already.

1454
01:22:12.560 --> 01:22:13.560
<v Speaker 2>Well, that's what she says.

1455
01:22:13.680 --> 01:22:14.439
<v Speaker 1>That's what she says.

1456
01:22:15.319 --> 01:22:17.960
<v Speaker 15>If you want to, I can give you the numbers

1457
01:22:18.000 --> 01:22:20.079
<v Speaker 15>off the air if Kelly, I'll get you give me

1458
01:22:20.119 --> 01:22:20.800
<v Speaker 15>your phone number.

1459
01:22:20.960 --> 01:22:23.520
<v Speaker 2>Yeah, he says he knows some companies that will do it.

1460
01:22:24.039 --> 01:22:26.479
<v Speaker 2>But keeping just you know, and and I don't mean

1461
01:22:26.560 --> 01:22:30.880
<v Speaker 2>to be discouraging. I'm just saying that it's it's difficult.

1462
01:22:31.680 --> 01:22:33.920
<v Speaker 2>Have you ever found it difficult getting stuff done on

1463
01:22:34.000 --> 01:22:34.720
<v Speaker 2>your other condo?

1464
01:22:36.520 --> 01:22:36.720
<v Speaker 5>Never?

1465
01:22:37.399 --> 01:22:40.439
<v Speaker 11>When did this law or change coming?

1466
01:22:40.520 --> 01:22:43.640
<v Speaker 2>There is no there is no law. There is no law,

1467
01:22:43.880 --> 01:22:48.560
<v Speaker 2>no law. Anybody can work on anything, Okay, in the

1468
01:22:48.680 --> 01:22:56.079
<v Speaker 2>last in the last five years. Okay, you can prove

1469
01:22:56.119 --> 01:22:59.079
<v Speaker 2>it to yourself. Just call just call a company. Just

1470
01:22:59.199 --> 01:23:01.560
<v Speaker 2>call a company and ask them if they'll work on

1471
01:23:01.640 --> 01:23:06.520
<v Speaker 2>a condo. It's very very difficult, difficult. And I'll tell

1472
01:23:06.560 --> 01:23:10.840
<v Speaker 2>you why, because if any problems result as a result

1473
01:23:10.960 --> 01:23:15.680
<v Speaker 2>of the installation at all, the HOA will not hesitate

1474
01:23:15.800 --> 01:23:16.960
<v Speaker 2>to sue the contractor.

1475
01:23:20.720 --> 01:23:20.960
<v Speaker 10>Wow.

1476
01:23:21.159 --> 01:23:23.159
<v Speaker 2>So if they went up on your roof and there

1477
01:23:23.279 --> 01:23:25.680
<v Speaker 2>was a roof leak, and they had nothing to do

1478
01:23:25.800 --> 01:23:27.760
<v Speaker 2>with the roof leak, but the HOA wanted to make

1479
01:23:27.840 --> 01:23:32.560
<v Speaker 2>life difficult, the HOA, because they have pulled resources, might

1480
01:23:32.680 --> 01:23:35.920
<v Speaker 2>take that contractor to court and that contractor will have

1481
01:23:36.000 --> 01:23:38.199
<v Speaker 2>to spend a crap load of money just to get

1482
01:23:38.279 --> 01:23:38.600
<v Speaker 2>rid of it.

1483
01:23:41.279 --> 01:23:44.359
<v Speaker 12>Okay, it's just very hard.

1484
01:23:44.640 --> 01:23:48.760
<v Speaker 2>Now, Yeah, we're going to give you that information. I

1485
01:23:48.880 --> 01:23:51.359
<v Speaker 2>want to know something, Jennifer, what work if you had

1486
01:23:51.439 --> 01:23:53.359
<v Speaker 2>done on the previous condo, you had.

1487
01:23:55.720 --> 01:23:56.079
<v Speaker 14>Nothing.

1488
01:23:56.880 --> 01:23:58.039
<v Speaker 12>It came with an acy.

1489
01:23:58.359 --> 01:24:01.840
<v Speaker 2>So, but did you ever have did you ever have

1490
01:24:01.920 --> 01:24:03.880
<v Speaker 2>a water heater or anything like that work done?

1491
01:24:05.640 --> 01:24:05.760
<v Speaker 7>Oh?

1492
01:24:05.920 --> 01:24:07.000
<v Speaker 2>Sure many times.

1493
01:24:07.039 --> 01:24:09.800
<v Speaker 12>And I had a home warranty all that stuff because

1494
01:24:09.960 --> 01:24:13.640
<v Speaker 12>those at the water heater at the furnace are inside

1495
01:24:13.800 --> 01:24:14.279
<v Speaker 12>the unit.

1496
01:24:14.359 --> 01:24:16.840
<v Speaker 14>The AC is outside the in it.

1497
01:24:18.359 --> 01:24:21.880
<v Speaker 2>Yeah, but Mark, don't you didn't they even say, the companies,

1498
01:24:21.960 --> 01:24:24.520
<v Speaker 2>we know that even if the water heater is inside

1499
01:24:24.600 --> 01:24:27.159
<v Speaker 2>the unit, they will not they will not mess with them.

1500
01:24:27.239 --> 01:24:30.039
<v Speaker 2>Isn't that Ryan? Generally speaking? That is correct?

1501
01:24:30.119 --> 01:24:33.119
<v Speaker 5>I know, like fix it plumbline, you might get master

1502
01:24:33.319 --> 01:24:35.479
<v Speaker 5>rooter out into a scenario like that.

1503
01:24:37.479 --> 01:24:40.079
<v Speaker 2>Yeah, and then and then Bo has some recommendations, So

1504
01:24:40.159 --> 01:24:42.399
<v Speaker 2>we'll give you those recommendations off the air. I'm Tom

1505
01:24:42.439 --> 01:24:45.319
<v Speaker 2>Martinez three oh three seven one three talk seven one

1506
01:24:45.359 --> 01:24:48.359
<v Speaker 2>three eight two five five. Hey, if you want a

1507
01:24:48.439 --> 01:24:51.760
<v Speaker 2>beautiful walk in shower and get rid of that shub

1508
01:24:52.479 --> 01:24:55.479
<v Speaker 2>the shower tub combos that are ugly and get a

1509
01:24:55.520 --> 01:25:00.359
<v Speaker 2>beautiful rectangle shower with sheet porcelain. Looks like a million bucks,

1510
01:25:00.840 --> 01:25:03.319
<v Speaker 2>no maintenance. They can do it in two or three days.

1511
01:25:03.720 --> 01:25:07.720
<v Speaker 2>All kinds of options for repayment with lower no interest

1512
01:25:07.960 --> 01:25:11.359
<v Speaker 2>renew Home Innovations dot Com three oh three nine zero

1513
01:25:11.520 --> 01:25:20.399
<v Speaker 2>four two thousand, go with a sure thing Denver's Best

1514
01:25:20.479 --> 01:25:23.319
<v Speaker 2>roofer Excel Roofing dot com. You don't pay a cent

1515
01:25:23.560 --> 01:25:29.600
<v Speaker 2>until you're content. Time for an insurance check up free,

1516
01:25:29.720 --> 01:25:33.720
<v Speaker 2>no obligation comparison call Compass Insurance paying too much your

1517
01:25:33.800 --> 01:25:36.720
<v Speaker 2>coverage at dozens of insurance companies find out now three

1518
01:25:36.800 --> 01:25:39.079
<v Speaker 2>oh three seven to seven to one help. You'll think

1519
01:25:39.119 --> 01:25:41.680
<v Speaker 2>you're his only customer when you choose Frank durand the

1520
01:25:41.760 --> 01:25:44.359
<v Speaker 2>real estate Man dot com to list your home with

1521
01:25:44.520 --> 01:25:48.000
<v Speaker 2>Remax Alliance three oh three nine two zero sixteen twenty two.

1522
01:25:55.720 --> 01:26:00.239
<v Speaker 2>Hi Tom Archino, your troubleshooter three o three have it

1523
01:26:00.319 --> 01:26:04.079
<v Speaker 2>on three eight two five five. We're always here to

1524
01:26:04.199 --> 01:26:07.119
<v Speaker 2>help you, So get your calls in and we'll do

1525
01:26:07.239 --> 01:26:09.439
<v Speaker 2>what we can. We have Nick Gravina's with us in

1526
01:26:09.520 --> 01:26:13.239
<v Speaker 2>the studio from Gravina's window siding and doors. And this

1527
01:26:13.399 --> 01:26:16.479
<v Speaker 2>is a question on siding. Nick, do you like hardyboard?

1528
01:26:17.600 --> 01:26:21.039
<v Speaker 6>It's okay in my book, it's got its place. It's

1529
01:26:21.079 --> 01:26:22.119
<v Speaker 6>great for fire ratings.

1530
01:26:22.239 --> 01:26:26.880
<v Speaker 2>Okay, And explain what hardyboard is made of. Isn't it

1531
01:26:26.960 --> 01:26:29.119
<v Speaker 2>sementuous material with wood or not?

1532
01:26:29.680 --> 01:26:31.920
<v Speaker 6>I don't think it's wood. It's there's some fiber in there,

1533
01:26:32.279 --> 01:26:34.399
<v Speaker 6>so I think it's more of like, you know, a

1534
01:26:34.520 --> 01:26:39.880
<v Speaker 6>fiberglass type strand with a with a sementious you know base.

1535
01:26:41.840 --> 01:26:44.560
<v Speaker 2>And can it absorb water if you if you uh?

1536
01:26:45.399 --> 01:26:47.239
<v Speaker 2>Is this the kind of siding that you have to

1537
01:26:47.319 --> 01:26:50.760
<v Speaker 2>install just right or you know? Because on some of them,

1538
01:26:50.800 --> 01:26:53.600
<v Speaker 2>if you penetrate the surface with a nail or a

1539
01:26:53.680 --> 01:26:58.560
<v Speaker 2>screw it it opens it up for uh deterioration. Is

1540
01:26:58.640 --> 01:27:00.199
<v Speaker 2>that the case with hardyboard or or not.

1541
01:27:00.800 --> 01:27:02.680
<v Speaker 6>I don't think it has a lot of that, but

1542
01:27:02.800 --> 01:27:06.680
<v Speaker 6>I think almost everything has some type of absorption, but

1543
01:27:06.800 --> 01:27:11.920
<v Speaker 6>it's got it's very very minimal. What is your preference

1544
01:27:12.000 --> 01:27:15.800
<v Speaker 6>on sighting? Truthfully, my favorite type of sighting is steel siding.

1545
01:27:16.079 --> 01:27:17.920
<v Speaker 6>I think some of the paints that we put on

1546
01:27:18.079 --> 01:27:22.680
<v Speaker 6>it are the best for Colorado's Sun, the least maintenance

1547
01:27:22.880 --> 01:27:25.159
<v Speaker 6>out of them. The thing with hardy is there's a

1548
01:27:25.199 --> 01:27:28.800
<v Speaker 6>lot of cocking involved and that is a large maintenance

1549
01:27:28.840 --> 01:27:32.199
<v Speaker 6>item over years. So with steel you don't have all

1550
01:27:32.239 --> 01:27:35.680
<v Speaker 6>that cocking and it's one of the most maintenance free

1551
01:27:35.720 --> 01:27:38.039
<v Speaker 6>products there is, and I think it stands up to

1552
01:27:38.079 --> 01:27:39.960
<v Speaker 6>the elements here significantly.

1553
01:27:40.000 --> 01:27:44.880
<v Speaker 2>Well So are we so are we talking about vinyl

1554
01:27:45.039 --> 01:27:47.560
<v Speaker 2>coated steel or straight steel.

1555
01:27:48.279 --> 01:27:50.239
<v Speaker 6>It's steel in the coatings we use a lot now

1556
01:27:50.560 --> 01:27:55.640
<v Speaker 6>are a Kinar paint, which is a floral palmer. It's

1557
01:27:55.800 --> 01:27:57.920
<v Speaker 6>one of the best external paints for.

1558
01:27:58.399 --> 01:28:01.800
<v Speaker 2>So basically is the steel primed when you put it

1559
01:28:01.920 --> 01:28:02.920
<v Speaker 2>up and then you paint it.

1560
01:28:03.399 --> 01:28:06.359
<v Speaker 6>No, they all come pre finished from the factory.

1561
01:28:07.600 --> 01:28:10.560
<v Speaker 2>Okay, and that paint is good for how long?

1562
01:28:11.159 --> 01:28:13.359
<v Speaker 6>Most of our Kiners will give you a thirty five

1563
01:28:13.520 --> 01:28:15.319
<v Speaker 6>year no chalk, no fade warm.

1564
01:28:15.479 --> 01:28:16.079
<v Speaker 2>Oh my god.

1565
01:28:16.399 --> 01:28:17.840
<v Speaker 6>Right, that's oh my god.

1566
01:28:17.960 --> 01:28:22.399
<v Speaker 2>So that's a kind r coded steel siding. What do

1567
01:28:22.479 --> 01:28:25.439
<v Speaker 2>you think about aluminum siding or is that all but gone?

1568
01:28:25.960 --> 01:28:28.159
<v Speaker 6>You know, I think it's still out there. It's very

1569
01:28:28.920 --> 01:28:30.520
<v Speaker 6>very far and few in between. Every once in a

1570
01:28:30.520 --> 01:28:33.760
<v Speaker 6>while will get an insurance claim on one. It exists,

1571
01:28:33.760 --> 01:28:37.199
<v Speaker 6>but it dent so easy. It's just not really a

1572
01:28:37.359 --> 01:28:39.600
<v Speaker 6>thing that I think people replace with anymore.

1573
01:28:41.319 --> 01:28:44.640
<v Speaker 2>And then what about straight extruded vinyl. It seems to

1574
01:28:44.720 --> 01:28:48.119
<v Speaker 2>me that those are plagued with warping and waving and

1575
01:28:48.680 --> 01:28:50.560
<v Speaker 2>they look terrible. What do you think?

1576
01:28:51.520 --> 01:28:53.520
<v Speaker 6>Yes and no, I mean I think there's some cheap

1577
01:28:53.560 --> 01:28:56.279
<v Speaker 6>panels out there that definitely do that. But it does

1578
01:28:56.359 --> 01:28:59.199
<v Speaker 6>come down to the installation of vinyl. Installation of vinyl

1579
01:28:59.279 --> 01:29:02.600
<v Speaker 6>has to be done directly. You can't overtighten the fasteners,

1580
01:29:02.640 --> 01:29:04.279
<v Speaker 6>and that's where we see a lot of the issues.

1581
01:29:04.760 --> 01:29:06.399
<v Speaker 6>So if you install it right, okay, but in a

1582
01:29:06.479 --> 01:29:09.279
<v Speaker 6>decent quality one. We've actually done tons of jobs that

1583
01:29:09.359 --> 01:29:12.359
<v Speaker 6>still look great. But yes, there's horror stories out there

1584
01:29:12.439 --> 01:29:15.079
<v Speaker 6>because it's a cheap one on a complex and just

1585
01:29:15.199 --> 01:29:17.479
<v Speaker 6>nailed up with a compressor which you probably shouldn't do,

1586
01:29:18.159 --> 01:29:19.920
<v Speaker 6>and all that other kind of stuff. So, I mean,

1587
01:29:20.000 --> 01:29:21.600
<v Speaker 6>you know, it really does come down to installation.

1588
01:29:21.720 --> 01:29:24.159
<v Speaker 2>Is okay. So if we if we had to rank siding,

1589
01:29:24.239 --> 01:29:28.880
<v Speaker 2>we'd go the kind our coded steal first. Second would

1590
01:29:28.920 --> 01:29:30.119
<v Speaker 2>be vinyl.

1591
01:29:30.680 --> 01:29:34.479
<v Speaker 6>I like the probably the engineered would by LP. Second.

1592
01:29:35.760 --> 01:29:38.159
<v Speaker 2>What's is that like a Hardy board or a copy

1593
01:29:38.239 --> 01:29:39.640
<v Speaker 2>of that or what it's similar?

1594
01:29:39.760 --> 01:29:42.319
<v Speaker 6>Yes, it's just you know, it's more of a wood.

1595
01:29:43.000 --> 01:29:45.479
<v Speaker 6>It kind of looks like an OSB panel and the

1596
01:29:45.560 --> 01:29:49.199
<v Speaker 6>way that they make that panel is amazing. So I

1597
01:29:49.279 --> 01:29:51.359
<v Speaker 6>really am a big fan of that product as well.

1598
01:29:51.439 --> 01:29:53.159
<v Speaker 6>I like that Overhardy. It's not as heavy.

1599
01:29:53.359 --> 01:29:55.159
<v Speaker 2>What is it? What is it finished with?

1600
01:29:56.159 --> 01:29:58.800
<v Speaker 6>So you can bring that one in primed, You can

1601
01:29:58.840 --> 01:30:02.239
<v Speaker 6>bring that one in. There's two finishers we use that

1602
01:30:02.479 --> 01:30:05.159
<v Speaker 6>have a pre finished colors, and one of them is

1603
01:30:05.279 --> 01:30:07.880
<v Speaker 6>up to a thirty year paint warranty on it, where

1604
01:30:08.000 --> 01:30:11.159
<v Speaker 6>the factory one is a fifteen year, But you can

1605
01:30:11.199 --> 01:30:11.800
<v Speaker 6>bring it in prime.

1606
01:30:11.880 --> 01:30:16.439
<v Speaker 2>And what happens now, what happens if it's overfastened or

1607
01:30:16.960 --> 01:30:19.800
<v Speaker 2>if you penetrate the surface, does that open it up

1608
01:30:19.920 --> 01:30:24.000
<v Speaker 2>for absorption and deterioration? Not?

1609
01:30:24.239 --> 01:30:27.079
<v Speaker 6>On that one. They actually take all those chips before

1610
01:30:27.119 --> 01:30:29.720
<v Speaker 6>they press it, and they actually coat that with their

1611
01:30:30.039 --> 01:30:32.920
<v Speaker 6>their resins and wax and then they press the panel.

1612
01:30:33.039 --> 01:30:36.479
<v Speaker 2>So it's it's polymer. It's polymer, and it's through and through.

1613
01:30:36.560 --> 01:30:38.520
<v Speaker 2>In other words, it's waterproof, through and through.

1614
01:30:38.960 --> 01:30:42.439
<v Speaker 6>They say it's over ninety percent. Instead of making the

1615
01:30:42.520 --> 01:30:45.359
<v Speaker 6>panel and then trying to saturate the top coat like

1616
01:30:45.439 --> 01:30:47.920
<v Speaker 6>they used to do in the eighties, they actually treat

1617
01:30:48.000 --> 01:30:51.520
<v Speaker 6>all the pieces before it's punched and stamped down, so

1618
01:30:51.640 --> 01:30:52.720
<v Speaker 6>then it is truly like.

1619
01:30:52.960 --> 01:30:54.880
<v Speaker 2>I love it over yeah, I love it. So what

1620
01:30:55.079 --> 01:30:57.079
<v Speaker 2>is that? What is that called? Exactly?

1621
01:30:57.520 --> 01:31:04.119
<v Speaker 6>LP Louisiana Pacific and it's engineered wood and this is

1622
01:31:04.199 --> 01:31:07.640
<v Speaker 6>it smart side? It is smart side. Yes, they test

1623
01:31:07.720 --> 01:31:11.960
<v Speaker 6>in Healey which is crazy moist, and they just leave

1624
01:31:12.000 --> 01:31:13.960
<v Speaker 6>pieces out and they'll let it sit there for five

1625
01:31:14.079 --> 01:31:15.960
<v Speaker 6>ten years and it still looks good.

1626
01:31:16.439 --> 01:31:19.920
<v Speaker 2>I'm hearing some really good things about smart Side, and

1627
01:31:20.079 --> 01:31:22.840
<v Speaker 2>it really looks like wood. It's incredible.

1628
01:31:23.520 --> 01:31:26.920
<v Speaker 6>Yep, it is wood. It's just stamped green, kind of

1629
01:31:26.920 --> 01:31:29.720
<v Speaker 6>almost like hardy is and steel has a stamped grain.

1630
01:31:29.760 --> 01:31:31.319
<v Speaker 6>I mean they all kind of have a stamped wood

1631
01:31:31.359 --> 01:31:31.920
<v Speaker 6>grain to them.

1632
01:31:33.079 --> 01:31:35.600
<v Speaker 2>And they say you can do dark colors without the

1633
01:31:36.439 --> 01:31:37.960
<v Speaker 2>fear of warping.

1634
01:31:38.039 --> 01:31:40.800
<v Speaker 6>On the smart Side. Oh yeah, that's I actually have

1635
01:31:40.880 --> 01:31:42.479
<v Speaker 6>it on my house. That's what I have, and I

1636
01:31:42.560 --> 01:31:45.039
<v Speaker 6>have a dark brown and it has not changed colors

1637
01:31:45.079 --> 01:31:46.840
<v Speaker 6>in probably the last eight years I've had it one.

1638
01:31:48.600 --> 01:31:51.399
<v Speaker 2>So would you put smart Side at par with the

1639
01:31:51.479 --> 01:31:53.079
<v Speaker 2>kinder coated steel.

1640
01:31:54.199 --> 01:31:58.279
<v Speaker 6>The diamond coat finished by wasaw on the LP is

1641
01:31:58.800 --> 01:32:00.760
<v Speaker 6>very close? Again, you have a third to thirty five

1642
01:32:00.840 --> 01:32:02.560
<v Speaker 6>year warranty between those two.

1643
01:32:03.079 --> 01:32:06.079
<v Speaker 2>And you think and you feel smart Side LP smart

1644
01:32:06.119 --> 01:32:07.520
<v Speaker 2>Side is better than hardyboard.

1645
01:32:08.640 --> 01:32:12.359
<v Speaker 6>I personally do absolutely grab that's not a saunding.

1646
01:32:12.479 --> 01:32:15.239
<v Speaker 2>I love talking to Nick because they they sell all

1647
01:32:15.319 --> 01:32:18.039
<v Speaker 2>of them, so he has no vested interest in in

1648
01:32:18.199 --> 01:32:20.279
<v Speaker 2>steering you one way or another. That's what I like

1649
01:32:20.319 --> 01:32:23.439
<v Speaker 2>about him. When they have such a big variety, they

1650
01:32:23.479 --> 01:32:25.800
<v Speaker 2>can make their recommendations and then of course you get

1651
01:32:25.840 --> 01:32:28.680
<v Speaker 2>what you want, all right, Thank you, Nick, Nick Gravina

1652
01:32:28.760 --> 01:32:31.960
<v Speaker 2>Gravina's window Siding in Doors nine fifty West, Evans. We

1653
01:32:32.079 --> 01:32:34.319
<v Speaker 2>have more coming up on the Troubleshooter Show. Don't forget.

1654
01:32:34.800 --> 01:32:36.479
<v Speaker 2>No matter what you get on your home, you want

1655
01:32:36.520 --> 01:32:39.399
<v Speaker 2>it insured right. Compass Insurance will do a free insurance

1656
01:32:39.520 --> 01:32:43.159
<v Speaker 2>checkup to make sure you're adequately insured. You're not paying

1657
01:32:43.239 --> 01:32:46.560
<v Speaker 2>too much for car in auto and home, so give

1658
01:32:46.600 --> 01:32:49.520
<v Speaker 2>them a call. Three h three nine nine six nine thousand.

1659
01:32:55.479 --> 01:32:58.760
<v Speaker 2>Go with a sure thing Denver's Best Roofer Excel Roofing

1660
01:32:58.840 --> 01:33:05.199
<v Speaker 2>dot com. You don't pay until you're content. Time for

1661
01:33:05.239 --> 01:33:08.399
<v Speaker 2>an insurance check up free, no obligation. In comparison, call

1662
01:33:08.520 --> 01:33:11.800
<v Speaker 2>Compass Insurance. Paying too much your coverage at dozens of

1663
01:33:11.880 --> 01:33:14.800
<v Speaker 2>insurance companies find out now three all three seven seven

1664
01:33:14.920 --> 01:33:17.680
<v Speaker 2>one help. You'll think you're his only customer when you

1665
01:33:17.760 --> 01:33:20.199
<v Speaker 2>choose Frank durand the real estate Man dot com to

1666
01:33:20.319 --> 01:33:23.479
<v Speaker 2>list your home with Remax Alliance three all three nine

1667
01:33:23.520 --> 01:33:37.439
<v Speaker 2>two zero sixteen twenty two. Hi, Tom Martino, your troubleshooter

1668
01:33:37.560 --> 01:33:40.319
<v Speaker 2>three all three seven one three talk seven one three

1669
01:33:40.439 --> 01:33:44.439
<v Speaker 2>A two five five. Okay, so what is on your

1670
01:33:44.520 --> 01:33:48.159
<v Speaker 2>mind today? We have we're talking about windows, siding, and doors.

1671
01:33:48.199 --> 01:33:51.479
<v Speaker 2>We're also talking about a number of problems that have

1672
01:33:51.600 --> 01:33:56.079
<v Speaker 2>come in today. One was Jennifer's trying to get something

1673
01:33:56.159 --> 01:33:58.079
<v Speaker 2>done in a condo, and I'm getting more and more

1674
01:34:00.399 --> 01:34:03.399
<v Speaker 2>people saying they run into the same thing when when

1675
01:34:03.520 --> 01:34:06.479
<v Speaker 2>contractors find out people live in a condo, they're very

1676
01:34:06.600 --> 01:34:10.680
<v Speaker 2>reluctant to get involved now because of all the liability issues.

1677
01:34:11.199 --> 01:34:14.119
<v Speaker 2>So they're few and far between the companies that will

1678
01:34:14.159 --> 01:34:19.600
<v Speaker 2>work on congregate units. They just don't like the liability

1679
01:34:19.640 --> 01:34:24.960
<v Speaker 2>because hoas are too happy. Also a jay, he wanted

1680
01:34:25.039 --> 01:34:28.680
<v Speaker 2>to know how does someone illegally here in the United

1681
01:34:28.720 --> 01:34:35.079
<v Speaker 2>States protect their assets. That is a very topic. First

1682
01:34:35.159 --> 01:34:37.600
<v Speaker 2>and foremost, it's best to be legal. If you're working

1683
01:34:37.680 --> 01:34:40.439
<v Speaker 2>on being legal, the government will very seldom find you,

1684
01:34:40.840 --> 01:34:45.439
<v Speaker 2>I'm told, or seize assets. It's only for those who

1685
01:34:45.479 --> 01:34:50.680
<v Speaker 2>are flagrantly illegal, flaunting it, or you know, purposely avoiding

1686
01:34:51.079 --> 01:34:56.279
<v Speaker 2>trying to become legal, and they are usually caught and fined.

1687
01:34:56.760 --> 01:35:02.960
<v Speaker 2>Sometimes their assets are taken. If you fear losing your assets.

1688
01:35:03.560 --> 01:35:07.399
<v Speaker 2>You can assign ownership of your assets to someone else,

1689
01:35:07.479 --> 01:35:09.479
<v Speaker 2>but you have to really trust them, or you can

1690
01:35:09.600 --> 01:35:12.039
<v Speaker 2>legally sell them and buy them back at the same price.

1691
01:35:12.640 --> 01:35:16.359
<v Speaker 2>No one is preventing you from doing that. Another one,

1692
01:35:17.079 --> 01:35:20.600
<v Speaker 2>a guy called in about the pediatrist. No, not the podiatrist,

1693
01:35:20.640 --> 01:35:23.560
<v Speaker 2>but yeah, that was podiatrist doctor, and it was about

1694
01:35:23.600 --> 01:35:27.560
<v Speaker 2>the Bunyan cure in Littleton who had surgery. BO was

1695
01:35:27.600 --> 01:35:31.279
<v Speaker 2>going to pull them because this guy. All he said was, look,

1696
01:35:31.880 --> 01:35:34.560
<v Speaker 2>the results were fine on one foot. On the other foot,

1697
01:35:34.600 --> 01:35:38.159
<v Speaker 2>the condition seemed to come back and it's due to

1698
01:35:38.960 --> 01:35:41.680
<v Speaker 2>some nerve and tendon damage he has. He's not even

1699
01:35:41.760 --> 01:35:45.359
<v Speaker 2>blaming the clinic, but he can't even get a call back.

1700
01:35:45.479 --> 01:35:47.840
<v Speaker 2>He said, Bo, did you contact them?

1701
01:35:47.960 --> 01:35:48.760
<v Speaker 1>I was able to.

1702
01:35:48.880 --> 01:35:53.000
<v Speaker 15>Talk to the receptionist and I left her a detailed

1703
01:35:53.119 --> 01:35:56.279
<v Speaker 15>message to be forwarded to doctor Sullivan, and I just

1704
01:35:56.399 --> 01:36:00.680
<v Speaker 15>told them specifically that Don is being very reason. Of course,

1705
01:36:01.000 --> 01:36:03.960
<v Speaker 15>he's not asking for his twenty five grand back, even

1706
01:36:04.000 --> 01:36:06.880
<v Speaker 15>though I think that was excessive, but he just wants

1707
01:36:06.960 --> 01:36:09.720
<v Speaker 15>us toe fixed right. And I said, if you guys

1708
01:36:09.760 --> 01:36:12.479
<v Speaker 15>could just please give him a callback, have him come

1709
01:36:12.560 --> 01:36:14.479
<v Speaker 15>in for an apployment and see if we can get

1710
01:36:14.520 --> 01:36:17.199
<v Speaker 15>a resolution. And I said, you don't have to call

1711
01:36:17.319 --> 01:36:19.079
<v Speaker 15>me back, but you need to give Don a call.

1712
01:36:19.600 --> 01:36:21.239
<v Speaker 15>So I'm going to call Don at the end of

1713
01:36:21.279 --> 01:36:24.640
<v Speaker 15>the show and see if the Bunying Cure has made

1714
01:36:24.720 --> 01:36:28.000
<v Speaker 15>contact with him. He's made very reasonable and he just

1715
01:36:28.119 --> 01:36:29.159
<v Speaker 15>needs to get his foot.

1716
01:36:28.960 --> 01:36:32.920
<v Speaker 2>Fixed, all right. And then Cliff, I believe Cliff was

1717
01:36:33.000 --> 01:36:36.640
<v Speaker 2>here with Oh no, no, that was the other day. Anyway,

1718
01:36:36.960 --> 01:36:39.359
<v Speaker 2>we'll talk about that another time. Well, maybe I should

1719
01:36:39.359 --> 01:36:42.199
<v Speaker 2>warn people because I have had other follow up texts

1720
01:36:42.359 --> 01:36:45.680
<v Speaker 2>with people having the same thing. People who joined the

1721
01:36:45.840 --> 01:36:50.520
<v Speaker 2>monthly subscription at Take five car Wash. Now Take five

1722
01:36:50.640 --> 01:36:53.640
<v Speaker 2>car Wash has been taking over a lot of independent

1723
01:36:53.720 --> 01:36:57.880
<v Speaker 2>car washes and they offer this this deal, which isn't bad.

1724
01:36:58.279 --> 01:37:03.079
<v Speaker 2>It's a monthly fee and you get car washes as

1725
01:37:03.119 --> 01:37:05.800
<v Speaker 2>many as you want in the month. But the problem

1726
01:37:05.920 --> 01:37:10.399
<v Speaker 2>is when people go to cancel, they keep taking money

1727
01:37:11.199 --> 01:37:14.479
<v Speaker 2>even if you complain. Some people have had to literally

1728
01:37:14.600 --> 01:37:18.279
<v Speaker 2>close their account to get them to stop drawing money out.

1729
01:37:18.720 --> 01:37:20.399
<v Speaker 2>Did you want to say something about that day?

1730
01:37:20.520 --> 01:37:22.720
<v Speaker 1>No, I was just thinking of how inconvenient that is.

1731
01:37:22.880 --> 01:37:27.760
<v Speaker 2>No, No one listen to this one. After closing the No, no,

1732
01:37:27.920 --> 01:37:30.880
<v Speaker 2>after stopping payment on it at their bank. The bank

1733
01:37:31.000 --> 01:37:38.399
<v Speaker 2>reported that Take five tried twenty eight times in one

1734
01:37:39.119 --> 01:37:42.119
<v Speaker 2>month to get the charge when it was turned down.

1735
01:37:42.479 --> 01:37:45.439
<v Speaker 2>I believe that's automated. I don't believe there's anyone at

1736
01:37:45.479 --> 01:37:48.159
<v Speaker 2>Take five making that decision. I think someone forgot to

1737
01:37:48.399 --> 01:37:51.680
<v Speaker 2>enter it, and as a result, it's automated. If you

1738
01:37:51.720 --> 01:37:56.199
<v Speaker 2>don't get paid, keep trying. I really don't think they

1739
01:37:56.319 --> 01:37:59.680
<v Speaker 2>could exist if this was their practice, you know, keep

1740
01:37:59.720 --> 01:38:02.720
<v Speaker 2>collect from people who don't want it. To me, that

1741
01:38:02.840 --> 01:38:06.000
<v Speaker 2>seems a little weird, And I don't know. I just

1742
01:38:06.760 --> 01:38:09.560
<v Speaker 2>sometimes I think, yeah, this is a bad operation. Sometimes

1743
01:38:09.600 --> 01:38:13.800
<v Speaker 2>I think, you know what, no way. Now some other stuff.

1744
01:38:15.800 --> 01:38:23.640
<v Speaker 2>Somebody called and asked about class action lawsuits. Now they

1745
01:38:23.800 --> 01:38:28.479
<v Speaker 2>just happen to ask about one against Walmart, and the

1746
01:38:28.640 --> 01:38:33.560
<v Speaker 2>deadline for filing on that is tomorrow. So if you

1747
01:38:33.720 --> 01:38:37.119
<v Speaker 2>think you have a claim, you only have until tomorrow

1748
01:38:38.439 --> 01:38:42.279
<v Speaker 2>to file a claim. Now here's what it is. Walgreens.

1749
01:38:43.039 --> 01:38:46.319
<v Speaker 2>Did I say Walmart? Because I didn't mean Walmart, I'm sorry,

1750
01:38:46.359 --> 01:38:52.119
<v Speaker 2>I met Walgreens. Walgreens. Of course, the National Pharmacy agreed

1751
01:38:52.199 --> 01:38:57.640
<v Speaker 2>to pay listen to this one hundred million dollars for

1752
01:38:57.880 --> 01:39:02.840
<v Speaker 2>allegations that the company fail fail to include it's Prescription

1753
01:39:03.119 --> 01:39:09.720
<v Speaker 2>Savings Club prices when determining cost, resulting in overcharges to

1754
01:39:09.880 --> 01:39:14.640
<v Speaker 2>insurance companies. So if you paid in whole or in

1755
01:39:14.800 --> 01:39:19.880
<v Speaker 2>part for one or more prescription drugs from Walgreens over

1756
01:39:19.960 --> 01:39:26.960
<v Speaker 2>the last several years, it's possible you have a claim. Again.

1757
01:39:27.119 --> 01:39:30.560
<v Speaker 2>You have to you have to file that claim. And

1758
01:39:30.680 --> 01:39:33.159
<v Speaker 2>the way you do it, I have a website where

1759
01:39:33.159 --> 01:39:38.000
<v Speaker 2>you can find out about these claims. Okay, the way

1760
01:39:38.079 --> 01:39:43.159
<v Speaker 2>to do it is to go to Consumer Hyphenaction dot org,

1761
01:39:44.159 --> 01:39:48.760
<v Speaker 2>look for class actions and look up Walgreens. Tomorrow is

1762
01:39:48.920 --> 01:39:52.840
<v Speaker 2>the deadline and you know people are getting checks for this,

1763
01:39:53.720 --> 01:39:57.319
<v Speaker 2>but you have to put in a claim. Three oh

1764
01:39:57.399 --> 01:40:00.520
<v Speaker 2>three seven one, three eight, two five five. Now we

1765
01:40:00.600 --> 01:40:02.560
<v Speaker 2>have more coming up on the Troubleshooter Show. I want

1766
01:40:02.600 --> 01:40:04.159
<v Speaker 2>you to get your calls in if you have a problem,

1767
01:40:04.239 --> 01:40:06.920
<v Speaker 2>question or complain. And I want to tell you about

1768
01:40:07.000 --> 01:40:10.399
<v Speaker 2>kh Holme Solutions which now has painting pros so you

1769
01:40:10.520 --> 01:40:13.000
<v Speaker 2>can depend on the sixty five year old company for

1770
01:40:13.199 --> 01:40:22.479
<v Speaker 2>painting as well. That's Khwindows dot com. Go with a

1771
01:40:22.600 --> 01:40:26.079
<v Speaker 2>sure thing Denver's Best roofer Excel Roofing dot com. You

1772
01:40:26.159 --> 01:40:31.920
<v Speaker 2>don't pay a cent until you're content. Time for an

1773
01:40:31.960 --> 01:40:36.159
<v Speaker 2>insurance check up free no obligation comparison call Compass Insurance

1774
01:40:36.359 --> 01:40:39.319
<v Speaker 2>paying too much your coverage at dozens of insurance companies

1775
01:40:39.439 --> 01:40:41.439
<v Speaker 2>find out now three O three seven to seven to

1776
01:40:41.479 --> 01:40:44.239
<v Speaker 2>one help. You'll think you're his only customer when you

1777
01:40:44.359 --> 01:40:46.760
<v Speaker 2>choose Frank durand the real estate man dot com to

1778
01:40:46.880 --> 01:40:50.079
<v Speaker 2>list your home with Remax Alliance three oh three nine

1779
01:40:50.119 --> 01:40:58.800
<v Speaker 2>two zero sixteen twenty two. Hi Tom Martino, your troubleshooter

1780
01:40:58.960 --> 01:41:02.119
<v Speaker 2>three O three seven one three talk seven one three

1781
01:41:02.159 --> 01:41:05.600
<v Speaker 2>eight two five five. Hold on, let me get to

1782
01:41:05.680 --> 01:41:07.960
<v Speaker 2>the phones here and see if you have any problems

1783
01:41:08.000 --> 01:41:10.880
<v Speaker 2>custing your complaints. If so, give us a call. And

1784
01:41:11.640 --> 01:41:14.319
<v Speaker 2>we have Nick Gravinas with us from Gravina Windows, Siding

1785
01:41:14.399 --> 01:41:18.119
<v Speaker 2>and Doors. And I do have one other class action

1786
01:41:18.319 --> 01:41:22.840
<v Speaker 2>that I found really weird that somebody had inquired about

1787
01:41:22.920 --> 01:41:26.079
<v Speaker 2>when I looked it up. Sure's sure. Let me see

1788
01:41:26.079 --> 01:41:32.720
<v Speaker 2>where it is here, Oh A shoe warehouse DSW shoe Warehouse.

1789
01:41:34.439 --> 01:41:38.520
<v Speaker 2>Listen to this four point five million they agreed to

1790
01:41:38.640 --> 01:41:45.640
<v Speaker 2>pay to people they texted without permission, you know, by

1791
01:41:45.760 --> 01:41:52.319
<v Speaker 2>the Telephone Consumer Protection Act. Now, Dimitri, the reason I'm

1792
01:41:52.319 --> 01:41:55.880
<v Speaker 2>going to bring you into this conversation. Yeah, you're individually

1793
01:41:55.960 --> 01:41:56.760
<v Speaker 2>suing some people.

1794
01:41:57.640 --> 01:42:01.560
<v Speaker 1>Uh yeah, I am under both the the federal TCPA,

1795
01:42:02.000 --> 01:42:04.840
<v Speaker 1>which is a great strong body of law, as well

1796
01:42:04.880 --> 01:42:07.560
<v Speaker 1>as the car To Consumer Protection Act, which has its

1797
01:42:07.640 --> 01:42:12.640
<v Speaker 1>own prohibition against unsolicited spam via texts and phone calls.

1798
01:42:12.760 --> 01:42:17.119
<v Speaker 2>So tell me this, Just if they text you, how

1799
01:42:17.880 --> 01:42:19.560
<v Speaker 2>or does it have to be after you tell them

1800
01:42:19.600 --> 01:42:20.760
<v Speaker 2>to stop? Or how does it work?

1801
01:42:21.000 --> 01:42:22.640
<v Speaker 1>No, you don't have to tell them to stop. You

1802
01:42:22.720 --> 01:42:25.600
<v Speaker 1>do need to be on the do not call lists.

1803
01:42:25.800 --> 01:42:27.359
<v Speaker 1>So I'm on both the federal.

1804
01:42:27.159 --> 01:42:29.199
<v Speaker 2>And if you're on the do not call list and

1805
01:42:29.359 --> 01:42:33.079
<v Speaker 2>they text you, they have violated absolutely. And how much

1806
01:42:33.119 --> 01:42:33.479
<v Speaker 2>do you do?

1807
01:42:34.119 --> 01:42:34.159
<v Speaker 10>So?

1808
01:42:34.479 --> 01:42:38.880
<v Speaker 1>Under the Colorado law you're for one text or one call,

1809
01:42:39.079 --> 01:42:40.199
<v Speaker 1>it's five hundred dollars.

1810
01:42:40.359 --> 01:42:40.880
<v Speaker 2>Oh come on.

1811
01:42:41.199 --> 01:42:44.119
<v Speaker 1>However, it gets even better if they send you two

1812
01:42:44.239 --> 01:42:47.439
<v Speaker 1>texts or two calls. Now you can sue them under

1813
01:42:47.479 --> 01:42:50.680
<v Speaker 1>the federal statutes, under the TCPA that you just mentioned,

1814
01:42:51.039 --> 01:42:53.680
<v Speaker 1>And then it becomes fifteen hundred dollars per.

1815
01:42:54.319 --> 01:42:55.960
<v Speaker 2>Why does it have to be more than two?

1816
01:42:56.319 --> 01:42:59.279
<v Speaker 1>Well, the federal statute gives everybody a freebie.

1817
01:42:59.359 --> 01:43:02.079
<v Speaker 2>Okay, good, okay, So how much?

1818
01:43:02.399 --> 01:43:02.560
<v Speaker 7>Look?

1819
01:43:02.640 --> 01:43:04.920
<v Speaker 2>Give me an example of a claim and how much

1820
01:43:05.000 --> 01:43:06.279
<v Speaker 2>it would be against a company.

1821
01:43:06.439 --> 01:43:08.880
<v Speaker 1>Okay, well, how many unsolicited texts or calls that you

1822
01:43:08.960 --> 01:43:09.479
<v Speaker 1>get from them?

1823
01:43:09.600 --> 01:43:09.640
<v Speaker 10>No?

1824
01:43:09.760 --> 01:43:12.560
<v Speaker 2>You you the one that you're suing for. Give me

1825
01:43:12.560 --> 01:43:13.039
<v Speaker 2>an example.

1826
01:43:13.039 --> 01:43:16.279
<v Speaker 1>Well, there are several, so one of them. So let's

1827
01:43:16.279 --> 01:43:18.159
<v Speaker 1>say my cheapest case is five hundred bucks.

1828
01:43:18.399 --> 01:43:21.159
<v Speaker 2>Okay, right, what's your most expensive case?

1829
01:43:21.279 --> 01:43:24.840
<v Speaker 1>Oh that's a federal that became a federal class action suit.

1830
01:43:25.239 --> 01:43:28.680
<v Speaker 1>So actually have a law firm that specializes in TCPA

1831
01:43:28.840 --> 01:43:30.560
<v Speaker 1>suits and they're representing me in this matter.

1832
01:43:30.600 --> 01:43:31.760
<v Speaker 2>But can't you get your own?

1833
01:43:32.840 --> 01:43:34.760
<v Speaker 1>And that's so do you ask me how much?

1834
01:43:35.399 --> 01:43:35.439
<v Speaker 2>So?

1835
01:43:35.680 --> 01:43:39.800
<v Speaker 1>I believe there were twelve twelve text message from the

1836
01:43:39.840 --> 01:43:42.319
<v Speaker 1>same company from the same company times fifteen cauld.

1837
01:43:42.159 --> 01:43:43.960
<v Speaker 2>You warn them and say I'm on an all call

1838
01:43:44.039 --> 01:43:44.680
<v Speaker 2>list or anything.

1839
01:43:44.800 --> 01:43:47.840
<v Speaker 1>You're not required to do that. Both laws, both state

1840
01:43:47.880 --> 01:43:51.239
<v Speaker 1>and federal laws, require all companies that reach out to

1841
01:43:51.239 --> 01:43:53.840
<v Speaker 1>you to do telemarketing, whether it's by text or voicemail.

1842
01:43:54.079 --> 01:43:58.199
<v Speaker 1>They're required to scrub their database against the database is

1843
01:43:58.279 --> 01:43:59.880
<v Speaker 1>maintained by those who do not call it.

1844
01:44:00.840 --> 01:44:02.760
<v Speaker 2>Do you know I'm not on one do not call

1845
01:44:02.880 --> 01:44:06.720
<v Speaker 2>list and I get zero solicitations zero?

1846
01:44:07.399 --> 01:44:09.800
<v Speaker 1>Yeah, you know it could be Why is that. Well,

1847
01:44:10.039 --> 01:44:12.439
<v Speaker 1>so what happened in my case? Once I started file

1848
01:44:12.600 --> 01:44:15.079
<v Speaker 1>filing my lawsuits and I knew this was going to happen.

1849
01:44:15.640 --> 01:44:19.079
<v Speaker 1>There are people out there who scrub these lawsuits and

1850
01:44:19.279 --> 01:44:24.720
<v Speaker 1>add consumers to a certain blacklist of litigious consumers and

1851
01:44:25.039 --> 01:44:27.920
<v Speaker 1>so on of the So it could be that, I mean,

1852
01:44:27.960 --> 01:44:30.159
<v Speaker 1>you've been involved in a number of legal cases.

1853
01:44:29.920 --> 01:44:31.640
<v Speaker 2>Ye, but we never against a texture.

1854
01:44:32.199 --> 01:44:34.359
<v Speaker 1>Well, it could be that they just see your name

1855
01:44:34.439 --> 01:44:36.560
<v Speaker 1>and court records a whole bunch of times. Okay, here

1856
01:44:36.720 --> 01:44:38.159
<v Speaker 1>this guy. You know we should avoid this.

1857
01:44:38.479 --> 01:44:40.319
<v Speaker 2>People are litigious, they avoid them.

1858
01:44:40.479 --> 01:44:40.880
<v Speaker 1>Oh yeah.

1859
01:44:41.039 --> 01:44:44.359
<v Speaker 2>And same thing with death collectors. So right now, what

1860
01:44:44.560 --> 01:44:47.680
<v Speaker 2>could you collect? Are you expecting to collect anything? Has

1861
01:44:47.720 --> 01:44:50.840
<v Speaker 2>anyone ever reached out for a settlement? No?

1862
01:44:51.640 --> 01:44:55.359
<v Speaker 1>So you got to remember I just started filing in December, right, Okay,

1863
01:44:55.520 --> 01:44:58.319
<v Speaker 1>so none of these cases have come to trial. My next,

1864
01:44:58.479 --> 01:45:01.600
<v Speaker 1>my my very trial is going to be in Denver

1865
01:45:01.720 --> 01:45:05.520
<v Speaker 1>County in June against the five hundred dollars against my

1866
01:45:05.640 --> 01:45:09.840
<v Speaker 1>smallest case. Right, so, uh, I started with my smallest case.

1867
01:45:09.920 --> 01:45:11.920
<v Speaker 2>And do you think they'll show up? Uh?

1868
01:45:12.079 --> 01:45:15.199
<v Speaker 1>Yeah, Well we're kind of company, h they It's like

1869
01:45:15.359 --> 01:45:19.239
<v Speaker 1>a gosh, it's like a not a junk store. But

1870
01:45:19.359 --> 01:45:21.720
<v Speaker 1>a what do you call that company? Where a paunch.

1871
01:45:21.840 --> 01:45:24.239
<v Speaker 1>It's like a punch up for some reason that the Conde.

1872
01:45:24.520 --> 01:45:27.279
<v Speaker 1>So we had our first hearing a few weeks ago.

1873
01:45:27.840 --> 01:45:31.000
<v Speaker 1>They showed up. They really seriously did they say anything. Well,

1874
01:45:31.079 --> 01:45:33.880
<v Speaker 1>it was emotions hearing. Okay, So they filed a motion

1875
01:45:34.079 --> 01:45:35.319
<v Speaker 1>to dismiss.

1876
01:45:34.960 --> 01:45:36.000
<v Speaker 2>And it wasn't granted.

1877
01:45:36.520 --> 01:45:39.760
<v Speaker 1>Well, I filed an opposing answer to that, and the

1878
01:45:39.880 --> 01:45:40.800
<v Speaker 1>judge sided with me.

1879
01:45:41.119 --> 01:45:43.359
<v Speaker 2>And you're gonna have your hearing. Oh, this is gonna

1880
01:45:43.399 --> 01:45:46.079
<v Speaker 2>be fun to watch. Hearing more coming up. Go with

1881
01:45:46.199 --> 01:45:49.640
<v Speaker 2>a sure thing Denver's best roofer Excel Roofing dot com.

1882
01:45:49.800 --> 01:45:55.520
<v Speaker 2>You don't pay a cent until you're contenth time for

1883
01:45:55.600 --> 01:45:59.279
<v Speaker 2>an insurance check up free no obligation. Comparison call Compass

1884
01:45:59.359 --> 01:46:02.640
<v Speaker 2>Insurance paying too much your coverage at dozens of insurance

1885
01:46:02.680 --> 01:46:05.239
<v Speaker 2>companies find out now three oh three seven seven to

1886
01:46:05.239 --> 01:46:08.000
<v Speaker 2>one help. You'll think you're his only customer when you

1887
01:46:08.119 --> 01:46:10.520
<v Speaker 2>choose Frank durand the Real estate Man dot com to

1888
01:46:10.640 --> 01:46:13.800
<v Speaker 2>list your home with Remax Alliance three oh three nine

1889
01:46:13.840 --> 01:46:15.479
<v Speaker 2>two zero sixteen twenty two.

1890
01:46:21.000 --> 01:46:21.359
<v Speaker 3>Ripped.

1891
01:46:23.319 --> 01:46:26.319
<v Speaker 2>You need advice, you don't have.

1892
01:46:28.560 --> 01:46:33.520
<v Speaker 3>Come running just as fast as we can Shooter's gonna help?

1893
01:46:33.800 --> 01:46:36.520
<v Speaker 14>Come man, This is.

1894
01:46:36.560 --> 01:46:43.399
<v Speaker 2>The Troubleshooter Show. No Tom Martino, Hi, Tom Martino here,

1895
01:46:43.479 --> 01:46:46.880
<v Speaker 2>Welcome to the show. Three oh three seven one three

1896
01:46:47.039 --> 01:46:49.960
<v Speaker 2>talk three oh three seven one three A two five five.

1897
01:46:50.319 --> 01:46:52.960
<v Speaker 2>Here to help you solve problems, answer questions, take complaints,

1898
01:46:52.960 --> 01:46:54.880
<v Speaker 2>and make your life a little easier. Nick Gravina is

1899
01:46:54.920 --> 01:46:56.680
<v Speaker 2>the guest in the house, and we do have some

1900
01:46:56.880 --> 01:47:00.640
<v Speaker 2>questions about siding. Someone who wanted to know, and I

1901
01:47:00.720 --> 01:47:04.319
<v Speaker 2>think I know the answer, but they wanted to know

1902
01:47:04.359 --> 01:47:08.239
<v Speaker 2>about Everlast Sighting. Now, Everlast Sighting is something I advertise

1903
01:47:08.640 --> 01:47:12.000
<v Speaker 2>for many people. They loved it and it went away.

1904
01:47:12.960 --> 01:47:16.359
<v Speaker 2>And Everlast Sighting was this sighting that was plastic polymer,

1905
01:47:16.439 --> 01:47:19.439
<v Speaker 2>threw and through, indestructible. I mean you could hit it

1906
01:47:19.520 --> 01:47:21.640
<v Speaker 2>with a sledgehammer, You're not going to hurt it. And

1907
01:47:21.920 --> 01:47:25.359
<v Speaker 2>also you could soak it in water overnight or for

1908
01:47:25.560 --> 01:47:28.039
<v Speaker 2>days at a time. Nothing ever happened to it, and

1909
01:47:28.159 --> 01:47:30.560
<v Speaker 2>the color was through and through. All of a sudden,

1910
01:47:30.720 --> 01:47:34.640
<v Speaker 2>nothing whatever happened to it. Something was wrong with it.

1911
01:47:34.800 --> 01:47:36.560
<v Speaker 2>And I don't know what it was, but I know

1912
01:47:37.359 --> 01:47:42.279
<v Speaker 2>that it doesn't It's not being sold much anymore. What's

1913
01:47:42.319 --> 01:47:43.840
<v Speaker 2>going on? With that Nick Gravina.

1914
01:47:44.920 --> 01:47:47.600
<v Speaker 6>From everything I understood, Yes, it had a great pitch

1915
01:47:47.720 --> 01:47:50.520
<v Speaker 6>to it, it had great properties to it, like you did.

1916
01:47:50.600 --> 01:47:52.600
<v Speaker 6>But I think once agoin oh, yeah, well, I think

1917
01:47:53.119 --> 01:47:57.800
<v Speaker 6>it was reacting not how they intended, because yeah, I

1918
01:47:57.840 --> 01:48:00.600
<v Speaker 6>remember that we were real excited about it as well,

1919
01:48:02.199 --> 01:48:04.359
<v Speaker 6>you know, and it has it's gone away. I don't

1920
01:48:04.359 --> 01:48:06.199
<v Speaker 6>know if they've really surfaced with it, but it just

1921
01:48:06.279 --> 01:48:09.279
<v Speaker 6>seemed like I don't know if it was waving on

1922
01:48:09.359 --> 01:48:12.920
<v Speaker 6>a wall or what, but yeah, it just kind of vanished.

1923
01:48:12.960 --> 01:48:13.760
<v Speaker 6>It was kind of crazy.

1924
01:48:15.239 --> 01:48:20.439
<v Speaker 2>Now I heard that it was doing great and it

1925
01:48:20.560 --> 01:48:24.439
<v Speaker 2>looked beautiful, but they were having some slight warping issues, right.

1926
01:48:25.800 --> 01:48:27.920
<v Speaker 6>I think it's because of the so the vinyl.

1927
01:48:30.079 --> 01:48:32.399
<v Speaker 2>Yeah, you would think though, because it was thick it

1928
01:48:32.439 --> 01:48:35.560
<v Speaker 2>would not warp, right, but one thing is but but

1929
01:48:35.800 --> 01:48:38.920
<v Speaker 2>it was or something happened to it. But again, is

1930
01:48:39.000 --> 01:48:41.119
<v Speaker 2>there anything like that or would you say the LP

1931
01:48:41.279 --> 01:48:42.520
<v Speaker 2>smart side is close to it?

1932
01:48:44.199 --> 01:48:46.760
<v Speaker 6>They're that and Hardy. Those were all similar and they

1933
01:48:46.760 --> 01:48:48.960
<v Speaker 6>were just three different materials, you know. They were all

1934
01:48:49.000 --> 01:48:52.880
<v Speaker 6>about that five sixteenth to three it's thick you know product,

1935
01:48:54.359 --> 01:48:56.920
<v Speaker 6>you know, and they were all to battle each other

1936
01:48:57.000 --> 01:49:00.279
<v Speaker 6>in the field. And but they're all very similar, just

1937
01:49:00.359 --> 01:49:02.960
<v Speaker 6>different materials. Like you said that one was a polymer.

1938
01:49:03.800 --> 01:49:06.640
<v Speaker 6>You know, the lp is is wooden and the hardiest dementuus.

1939
01:49:07.640 --> 01:49:09.520
<v Speaker 6>And again we thought that might have been the latest

1940
01:49:09.520 --> 01:49:11.840
<v Speaker 6>and greatest, and it just didn't come to fruition.

1941
01:49:14.079 --> 01:49:18.000
<v Speaker 2>Okay, three ZHO three seven one three A two five five. Also,

1942
01:49:18.720 --> 01:49:22.520
<v Speaker 2>somebody said their insurance went way way up, yet somebody

1943
01:49:22.640 --> 01:49:27.159
<v Speaker 2>they know in another county did not go up, and

1944
01:49:27.279 --> 01:49:29.920
<v Speaker 2>they were a similar family with kids and all of that.

1945
01:49:31.359 --> 01:49:33.920
<v Speaker 2>I want to ask Compass Insurance Group, if we get

1946
01:49:33.960 --> 01:49:36.840
<v Speaker 2>a chance, if you can get Brian on, do they

1947
01:49:37.159 --> 01:49:40.640
<v Speaker 2>rate by counties? Mark? Have you ever found Now I'm

1948
01:49:40.680 --> 01:49:44.239
<v Speaker 2>not talking about I'm not talking about like for hail

1949
01:49:44.319 --> 01:49:47.199
<v Speaker 2>damage and stuff like that that might be, but although

1950
01:49:47.239 --> 01:49:50.800
<v Speaker 2>we can find out about that. They were talking about liability,

1951
01:49:52.000 --> 01:49:55.520
<v Speaker 2>And what I found out is that counties are ranked

1952
01:49:55.680 --> 01:49:59.600
<v Speaker 2>for liability for death and serious injuries. But I'm not

1953
01:49:59.720 --> 01:50:06.840
<v Speaker 2>sure insurance companies follow this rating. Everyone is complaining about

1954
01:50:07.119 --> 01:50:09.520
<v Speaker 2>increased insurance rates.

1955
01:50:11.159 --> 01:50:14.520
<v Speaker 5>Okay, so big time, go ahead, Well, I mean big time.

1956
01:50:14.560 --> 01:50:17.399
<v Speaker 5>They're mean usually by zip code, it's not even by county.

1957
01:50:17.800 --> 01:50:21.199
<v Speaker 5>I mean, you can have two areas in Denver. One

1958
01:50:21.239 --> 01:50:23.399
<v Speaker 5>of them can cost a lot more because more cars

1959
01:50:23.439 --> 01:50:24.279
<v Speaker 5>get stolen there.

1960
01:50:26.119 --> 01:50:30.880
<v Speaker 2>But where you drive and where you live or drive

1961
01:50:32.399 --> 01:50:36.800
<v Speaker 2>or not hail damage? But what about injury and liability?

1962
01:50:37.199 --> 01:50:41.880
<v Speaker 2>Did you know the worst rated county in Colorado? Pueblo?

1963
01:50:42.159 --> 01:50:49.319
<v Speaker 2>I don't know where Adams? Adams, Okay, now Adams County.

1964
01:50:49.399 --> 01:50:56.520
<v Speaker 2>The multialities and injuries danger number two is El Paso. Yeah,

1965
01:50:56.600 --> 01:50:57.760
<v Speaker 2>that's what I will.

1966
01:50:57.680 --> 01:50:58.119
<v Speaker 4>Now you know.

1967
01:51:00.279 --> 01:51:03.520
<v Speaker 2>County's number three, so Adams I'll pass. Going well the

1968
01:51:03.600 --> 01:51:07.199
<v Speaker 2>top three. Denver comes in at four, Arapo County at five,

1969
01:51:08.600 --> 01:51:12.840
<v Speaker 2>Jefferson County at six, and Larimer at number seven. So

1970
01:51:13.760 --> 01:51:18.199
<v Speaker 2>they that's just a big deal now that that as

1971
01:51:18.319 --> 01:51:22.199
<v Speaker 2>far as injury. But they also keep track of speeding tickets.

1972
01:51:23.840 --> 01:51:26.840
<v Speaker 2>Did you know that insurance companies want to know where

1973
01:51:26.920 --> 01:51:30.119
<v Speaker 2>the most speeding takes place and you can actually get

1974
01:51:30.239 --> 01:51:32.399
<v Speaker 2>ding for living in an area where there's a lot

1975
01:51:32.479 --> 01:51:35.279
<v Speaker 2>of speeding. I think a lot of its income too.

1976
01:51:35.439 --> 01:51:37.800
<v Speaker 5>I think Douglas would be way up there just because

1977
01:51:37.840 --> 01:51:40.720
<v Speaker 5>the average person makes more than they do in Adams.

1978
01:51:40.800 --> 01:51:45.119
<v Speaker 5>I think that's probably a massive part of it. You

1979
01:51:45.199 --> 01:51:48.520
<v Speaker 5>mean the speeding part, No, not just speeding, just insurance

1980
01:51:48.600 --> 01:51:50.279
<v Speaker 5>in general in different areas.

1981
01:51:50.880 --> 01:51:54.359
<v Speaker 2>Oh okay, well for speeding, Douglas is number two. By

1982
01:51:54.399 --> 01:51:55.760
<v Speaker 2>the way, I'll passos number one.

1983
01:51:56.359 --> 01:51:58.880
<v Speaker 5>It says here Adams. What I don't understand I'm reading

1984
01:51:58.920 --> 01:52:01.439
<v Speaker 5>about Adams County. It probably it says here, man, this

1985
01:52:01.600 --> 01:52:05.600
<v Speaker 5>is crazy. There's more people on Medicaid, there's more people

1986
01:52:05.720 --> 01:52:09.479
<v Speaker 5>on CHIP because the income is below a certain threshold.

1987
01:52:09.920 --> 01:52:13.319
<v Speaker 5>So I think they're basically really diving into these numbers.

1988
01:52:13.399 --> 01:52:18.479
<v Speaker 5>It looks like it's based on wealthy I know, well yeah,

1989
01:52:18.680 --> 01:52:19.640
<v Speaker 5>but but but but.

1990
01:52:19.920 --> 01:52:24.359
<v Speaker 2>I'm telling you, I don't know what's going on with insurance,

1991
01:52:24.439 --> 01:52:28.239
<v Speaker 2>but something's got to change. Brian Burns is with us. Brian. Welcome,

1992
01:52:28.640 --> 01:52:33.840
<v Speaker 2>Hey Brian. How nitpicking and how far down to the

1993
01:52:33.960 --> 01:52:37.199
<v Speaker 2>hair on the nats butt does it get when raiding

1994
01:52:37.399 --> 01:52:43.520
<v Speaker 2>drivers or cars for liability or for property damage? When

1995
01:52:43.560 --> 01:52:46.640
<v Speaker 2>it comes well, not just cars but houses. I mean

1996
01:52:47.039 --> 01:52:50.640
<v Speaker 2>does the county? You can one county be substantially more

1997
01:52:50.720 --> 01:52:51.199
<v Speaker 2>than another?

1998
01:52:52.399 --> 01:52:55.399
<v Speaker 11>Yeah? Yeah, And it's it's really zip code based, is

1999
01:52:55.479 --> 01:52:59.840
<v Speaker 11>what Auto and home insurance well more more home insurance

2000
01:53:00.000 --> 01:53:04.760
<v Speaker 11>related than auto, but auto insurance for sure. Where you'd

2001
01:53:04.840 --> 01:53:07.239
<v Speaker 11>notice it is if you're if you live in an

2002
01:53:07.319 --> 01:53:11.920
<v Speaker 11>area where there's high theft rates, they'll notice the cost

2003
01:53:12.039 --> 01:53:14.920
<v Speaker 11>of the insurance. Specifically, the comprehensive side of things are

2004
01:53:15.039 --> 01:53:18.720
<v Speaker 11>more if you live in a really high density area.

2005
01:53:18.840 --> 01:53:22.960
<v Speaker 11>If you're just in a real high density area and

2006
01:53:23.000 --> 01:53:25.680
<v Speaker 11>there's more accidents, you could see you could see a

2007
01:53:25.760 --> 01:53:27.000
<v Speaker 11>higher rate for liability.

2008
01:53:28.960 --> 01:53:31.079
<v Speaker 2>What if you live in an area where there's more

2009
01:53:31.399 --> 01:53:35.520
<v Speaker 2>traffic fatalities or accidents, does that figure into it?

2010
01:53:37.439 --> 01:53:40.479
<v Speaker 11>Possibly? You know, we we can't see it on our end.

2011
01:53:40.560 --> 01:53:42.680
<v Speaker 11>It's not like there's a formula that shows kind of

2012
01:53:42.840 --> 01:53:48.840
<v Speaker 11>what why their liability costs higher. It's not noticeable. I'll

2013
01:53:48.880 --> 01:53:51.439
<v Speaker 11>tell you that because I can change zip codes, you know,

2014
01:53:51.640 --> 01:53:57.039
<v Speaker 11>within reason of the metro area, and it doesn't vary substantially.

2015
01:53:57.119 --> 01:53:59.479
<v Speaker 11>Where you'll see liability costs go up is if you

2016
01:53:59.560 --> 01:54:02.279
<v Speaker 11>have a a big vehicle, you have a big suv

2017
01:54:02.560 --> 01:54:07.359
<v Speaker 11>or a big truck. You'll notice your liability premiums are higher.

2018
01:54:07.560 --> 01:54:09.600
<v Speaker 11>Just because if you do get into an accident, you're

2019
01:54:09.640 --> 01:54:11.239
<v Speaker 11>going to cause more damage.

2020
01:54:10.920 --> 01:54:11.359
<v Speaker 14>Is the thought.

2021
01:54:14.319 --> 01:54:17.960
<v Speaker 2>Okay, So in other words, it's you don't get to

2022
01:54:18.039 --> 01:54:21.680
<v Speaker 2>see though, the individual reasons why a certain zip code

2023
01:54:21.800 --> 01:54:23.199
<v Speaker 2>is producing a certain rate.

2024
01:54:24.159 --> 01:54:26.319
<v Speaker 11>Nope, No, they don't share any of that data.

2025
01:54:26.560 --> 01:54:28.760
<v Speaker 5>The only thing that would make sense though, is actually

2026
01:54:28.800 --> 01:54:31.479
<v Speaker 5>aerials guys. I mean it's got to be off of real.

2027
01:54:31.439 --> 01:54:34.720
<v Speaker 2>Data, right, yeah, because I have the right, but he

2028
01:54:34.840 --> 01:54:35.399
<v Speaker 2>doesn't get.

2029
01:54:35.359 --> 01:54:35.800
<v Speaker 1>To see that.

2030
01:54:36.119 --> 01:54:42.960
<v Speaker 2>Yeah, of course, right. Yeah. Now, as far as zip codes,

2031
01:54:44.279 --> 01:54:47.800
<v Speaker 2>can you recall zip codes right now that are pretty

2032
01:54:47.880 --> 01:54:50.279
<v Speaker 2>reasonable and ones that are more expensive.

2033
01:54:50.960 --> 01:54:55.439
<v Speaker 11>For auto insurance you're saying, yeah, or.

2034
01:54:55.560 --> 01:54:58.159
<v Speaker 2>For or does it is that mostly for home?

2035
01:54:59.279 --> 01:55:01.880
<v Speaker 11>Well, i'd like I said, where you'll see the auto

2036
01:55:01.960 --> 01:55:03.960
<v Speaker 11>rates go down, it's when you're in a very more

2037
01:55:04.079 --> 01:55:08.800
<v Speaker 11>rural area and where there's not there's not many vehicles

2038
01:55:08.840 --> 01:55:11.119
<v Speaker 11>around you. You'll notice those kind of zip codes some

2039
01:55:11.199 --> 01:55:15.159
<v Speaker 11>of the outskirts of town. The auto insurance, okay, it's

2040
01:55:15.279 --> 01:55:19.600
<v Speaker 11>less there's home insurance. The West, you know, like the

2041
01:55:19.680 --> 01:55:22.560
<v Speaker 11>Western Slope is less expensive and easier to get insurance

2042
01:55:22.640 --> 01:55:23.840
<v Speaker 11>because they don't deal with hail.

2043
01:55:26.119 --> 01:55:31.760
<v Speaker 5>Okay, So there's there's areas like eight zero one one

2044
01:55:31.920 --> 01:55:33.560
<v Speaker 5>three that are really sketchy.

2045
01:55:35.560 --> 01:55:37.680
<v Speaker 11>Yeah, when you get in the fire, any kind of

2046
01:55:37.760 --> 01:55:39.600
<v Speaker 11>fire issue, if they think it's.

2047
01:55:39.640 --> 01:55:42.560
<v Speaker 2>What's eight zero one one three, By the way, what

2048
01:55:42.760 --> 01:55:47.960
<v Speaker 2>is that your zip code? No it isn't. Mine's not

2049
01:55:48.159 --> 01:55:50.880
<v Speaker 2>eight zero one one three I thought it was damn

2050
01:55:52.239 --> 01:55:53.640
<v Speaker 2>oh no, I would need more.

2051
01:55:53.880 --> 01:55:56.159
<v Speaker 11>I'd be closer to to look up mark zip code

2052
01:55:56.159 --> 01:55:58.960
<v Speaker 11>because he lives in uh in an area that is

2053
01:55:59.000 --> 01:56:01.640
<v Speaker 11>considered a little bit higher fire risk. But like if

2054
01:56:01.680 --> 01:56:04.279
<v Speaker 11>you were to go to Morrison, that's a it's a

2055
01:56:04.359 --> 01:56:06.960
<v Speaker 11>more you know, difficult place to get insurnch right now.

2056
01:56:07.039 --> 01:56:10.880
<v Speaker 11>For sure, Evergreen, any of those areas where there's a

2057
01:56:10.960 --> 01:56:12.560
<v Speaker 11>high fire risk, it's really difficult.

2058
01:56:14.359 --> 01:56:16.520
<v Speaker 2>By the way, I had a text I was going

2059
01:56:16.600 --> 01:56:18.119
<v Speaker 2>to call you about. Now that you're on for this,

2060
01:56:18.239 --> 01:56:21.000
<v Speaker 2>I want to ask about it. If people put their

2061
01:56:21.079 --> 01:56:24.159
<v Speaker 2>homes up for sale or leave their homes vacant for

2062
01:56:24.239 --> 01:56:27.760
<v Speaker 2>a long period of time, does their homeowners can their

2063
01:56:27.800 --> 01:56:29.920
<v Speaker 2>homeowners refuse to pay something.

2064
01:56:30.600 --> 01:56:35.000
<v Speaker 11>Well, yeah, you lose some coverages. Specifically, vandalism goes away

2065
01:56:35.239 --> 01:56:37.880
<v Speaker 11>if your house is taken for more than sixty days.

2066
01:56:39.159 --> 01:56:41.159
<v Speaker 1>That's not really yeah, And.

2067
01:56:41.199 --> 01:56:45.600
<v Speaker 11>That's every policy I've ever seen, at least that's stated

2068
01:56:45.640 --> 01:56:47.920
<v Speaker 11>in there. And then also if your house is vacant

2069
01:56:47.960 --> 01:56:52.199
<v Speaker 11>and you have not maintained heat, they can deny coverage

2070
01:56:52.239 --> 01:56:54.199
<v Speaker 11>for like a water loss or you know, if a

2071
01:56:54.279 --> 01:56:57.680
<v Speaker 11>freezing pipe, that kind of thing. They can deny coverage

2072
01:56:57.720 --> 01:56:58.000
<v Speaker 11>from that.

2073
01:57:00.880 --> 01:57:04.479
<v Speaker 2>Real. Okay, So when you put your house up for

2074
01:57:04.600 --> 01:57:08.159
<v Speaker 2>sale and you're literally moving into another home, do you

2075
01:57:08.279 --> 01:57:11.439
<v Speaker 2>need to change your coverage or call your agent on anything.

2076
01:57:12.319 --> 01:57:14.560
<v Speaker 11>There's a little bit of leeway there, I mean, and

2077
01:57:14.800 --> 01:57:16.439
<v Speaker 11>you could talk to your agent, but I mean, I

2078
01:57:17.000 --> 01:57:20.000
<v Speaker 11>most underwriters understand. What they'll do is they'll just set

2079
01:57:20.000 --> 01:57:22.399
<v Speaker 11>it to non renews So however much longer you have

2080
01:57:22.520 --> 01:57:25.000
<v Speaker 11>on your term, they'll say, hey, we can stay on

2081
01:57:25.119 --> 01:57:28.680
<v Speaker 11>this until renewal. And if it's still not sold by

2082
01:57:28.800 --> 01:57:31.239
<v Speaker 11>renewal time, then you have to look into what's called

2083
01:57:31.279 --> 01:57:35.119
<v Speaker 11>a vacant home policy and you can you know, you

2084
01:57:35.199 --> 01:57:37.560
<v Speaker 11>can ensure your home in one of those kind of policies.

2085
01:57:39.800 --> 01:57:42.359
<v Speaker 2>Now, listen, we know that the clue report is like

2086
01:57:42.479 --> 01:57:47.880
<v Speaker 2>a credit report on insurance. It tells insurance people how

2087
01:57:47.920 --> 01:57:50.960
<v Speaker 2>many claims have been claimed. Does it go buy address

2088
01:57:51.039 --> 01:57:54.000
<v Speaker 2>or somebody's name. Is there a clue report for Tom

2089
01:57:54.079 --> 01:57:57.239
<v Speaker 2>Martine or would it be on my address? Both?

2090
01:57:57.800 --> 01:58:00.319
<v Speaker 11>It searches for both. So when the clue report comes

2091
01:58:00.399 --> 01:58:03.319
<v Speaker 11>up at very well, might report a claim you had,

2092
01:58:03.399 --> 01:58:06.279
<v Speaker 11>but it will list it at whatever address it was

2093
01:58:06.399 --> 01:58:09.119
<v Speaker 11>that where this claim occurred. But then it will also

2094
01:58:09.399 --> 01:58:11.319
<v Speaker 11>show the claims at the home itself.

2095
01:58:13.680 --> 01:58:17.960
<v Speaker 2>If I then have had a number of insurance claims,

2096
01:58:18.039 --> 01:58:20.680
<v Speaker 2>By the way, I haven't, But if I did, could

2097
01:58:20.720 --> 01:58:23.640
<v Speaker 2>I become like a credit risk for insurance, like you know,

2098
01:58:24.000 --> 01:58:28.239
<v Speaker 2>like with credit reports. If I have nonpayments or defaults,

2099
01:58:28.880 --> 01:58:32.359
<v Speaker 2>I don't get credit. Do clue reports look at me

2100
01:58:32.720 --> 01:58:36.119
<v Speaker 2>and say, this guy's had a lot of freaking claims.

2101
01:58:37.159 --> 01:58:40.920
<v Speaker 11>Oh, well, yeah, you're you're definitely. Yeah. It's hard to

2102
01:58:40.920 --> 01:58:43.600
<v Speaker 11>get insurance if you have more than two home claims

2103
01:58:43.640 --> 01:58:46.960
<v Speaker 11>in the last five years. Right now in the insurance market,

2104
01:58:47.000 --> 01:58:50.479
<v Speaker 11>we're in Wow, more than two claims in five years.

2105
01:58:51.399 --> 01:58:54.840
<v Speaker 11>It's harder. Doesn't mean it's impossible. It's harder to find

2106
01:58:54.880 --> 01:58:58.159
<v Speaker 11>insurance though, you know.

2107
01:58:58.920 --> 01:59:03.399
<v Speaker 2>Brian, a really important aspect. And as I said, I'm

2108
01:59:03.399 --> 01:59:07.319
<v Speaker 2>bringing up some emails I've had on insurance since you're here,

2109
01:59:08.039 --> 01:59:11.159
<v Speaker 2>and that one that really comes up all the time.

2110
01:59:11.279 --> 01:59:13.760
<v Speaker 2>And I don't know what to tell people. They're in

2111
01:59:13.880 --> 01:59:20.560
<v Speaker 2>a condo and they're finding it very, very difficult to

2112
01:59:20.680 --> 01:59:25.840
<v Speaker 2>get insurance and the insurance they need because of the

2113
01:59:26.359 --> 01:59:30.800
<v Speaker 2>the hoa's carrying less insurance. Do you know what I'm

2114
01:59:30.840 --> 01:59:31.399
<v Speaker 2>talking about?

2115
01:59:32.119 --> 01:59:35.359
<v Speaker 11>Yeah, So a lot of hoas and it's not because

2116
01:59:35.399 --> 01:59:37.920
<v Speaker 11>they're choosing to do this, and it's just it's almost

2117
01:59:37.960 --> 01:59:41.239
<v Speaker 11>impossible to find insurance that doesn't have a really large

2118
01:59:41.800 --> 01:59:46.039
<v Speaker 11>deductible for wind and hill claims. So what they're what

2119
01:59:46.119 --> 01:59:50.960
<v Speaker 11>they're doing is they'll they'll pay the claim. The HOA

2120
01:59:51.079 --> 01:59:53.319
<v Speaker 11>won't have the money for the deductible, so they'll do

2121
01:59:53.399 --> 01:59:57.159
<v Speaker 11>what it's called a special assessment to each unit owner.

2122
01:59:57.399 --> 02:00:00.760
<v Speaker 11>So right right, a condo, you you've got to make

2123
02:00:00.840 --> 02:00:04.920
<v Speaker 11>sure that your condo policy has an endorsement called loss

2124
02:00:05.000 --> 02:00:08.439
<v Speaker 11>assessment coverage, and you really need to make sure you

2125
02:00:08.560 --> 02:00:12.439
<v Speaker 11>have enough to cover you based off of the deductible

2126
02:00:12.520 --> 02:00:15.680
<v Speaker 11>size of your HOA. But I'm finding that the norm

2127
02:00:16.520 --> 02:00:20.079
<v Speaker 11>is definitely over ten thousand, but closer to twenty five thousand,

2128
02:00:20.960 --> 02:00:24.800
<v Speaker 11>that it's still an affordable coverage on a condo policy.

2129
02:00:25.600 --> 02:00:29.079
<v Speaker 11>I am positive that's going to change at some point,

2130
02:00:29.199 --> 02:00:33.439
<v Speaker 11>because all that's happened is that these commercial insurance policies

2131
02:00:33.560 --> 02:00:38.640
<v Speaker 11>have pushed the risk onto a personal policy that costs

2132
02:00:38.920 --> 02:00:42.119
<v Speaker 11>so little. I mean, loss assessment coverage, you know, to

2133
02:00:42.199 --> 02:00:44.680
<v Speaker 11>get twenty five thousand might only cost you fifty sixty

2134
02:00:44.760 --> 02:00:48.399
<v Speaker 11>bucks a year, and it's now becoming the most common

2135
02:00:48.479 --> 02:00:52.880
<v Speaker 11>claim I see on condo policies, so wow, sure that's

2136
02:00:52.920 --> 02:00:55.399
<v Speaker 11>not going to be around forever, else they'll start capping it.

2137
02:00:55.640 --> 02:00:57.720
<v Speaker 11>But as of now, you would want to make sure

2138
02:00:57.800 --> 02:01:00.680
<v Speaker 11>two things. One that you have loss assessment, but then

2139
02:01:00.720 --> 02:01:03.920
<v Speaker 11>you need to ask your agent to make sure that

2140
02:01:04.039 --> 02:01:07.880
<v Speaker 11>the company you're with doesn't limit it if it's the

2141
02:01:07.960 --> 02:01:11.800
<v Speaker 11>result of an HOA deductible. As strange as that sounds,

2142
02:01:12.279 --> 02:01:15.079
<v Speaker 11>a lot of loss assessment language will say, hey, you're

2143
02:01:15.079 --> 02:01:17.920
<v Speaker 11>covered for twenty five thousand a loss assessment unless it's

2144
02:01:18.000 --> 02:01:20.760
<v Speaker 11>the results of an HOA deductible, in which case we're

2145
02:01:20.760 --> 02:01:23.239
<v Speaker 11>only going to pay five thousand or ten thousand, whatever

2146
02:01:23.319 --> 02:01:26.960
<v Speaker 11>that is. But there's a separate limit based and it's

2147
02:01:27.000 --> 02:01:29.760
<v Speaker 11>only in the verbiage of the policy, so people don't

2148
02:01:29.800 --> 02:01:32.760
<v Speaker 11>realize it. So you've got to make sure your policy,

2149
02:01:32.840 --> 02:01:37.159
<v Speaker 11>your loss assessment isn't limited based off of an HOA deductible.

2150
02:01:38.520 --> 02:01:43.640
<v Speaker 2>And by the way, Brian, I'm hearing some hoa's are

2151
02:01:43.840 --> 02:01:48.119
<v Speaker 2>literally needing to be self insured because they can't find coverage.

2152
02:01:48.640 --> 02:01:50.279
<v Speaker 2>That's for the wind in hell part of it.

2153
02:01:51.319 --> 02:01:54.880
<v Speaker 11>Yeah, or they're just disbanding the insurance altogether and telling

2154
02:01:55.319 --> 02:01:58.199
<v Speaker 11>if it's a town home. I see this all the time.

2155
02:01:58.319 --> 02:02:01.399
<v Speaker 11>Now they're saying, hey, everybody just needs to get their

2156
02:02:01.479 --> 02:02:05.159
<v Speaker 11>own homeowners insurance. It's not even condo insurance anymore. It's

2157
02:02:05.199 --> 02:02:07.399
<v Speaker 11>not an HO six, it's what's called an h O three,

2158
02:02:07.479 --> 02:02:10.800
<v Speaker 11>where you're covering the exterior. So they're making it to

2159
02:02:10.840 --> 02:02:13.239
<v Speaker 11>where we're not even going to carry insurance on these

2160
02:02:13.279 --> 02:02:15.239
<v Speaker 11>buildings anymore. We're gonna rely on you.

2161
02:02:15.359 --> 02:02:15.720
<v Speaker 4>To do that.

2162
02:02:15.960 --> 02:02:19.000
<v Speaker 11>But you can't do that if it's a condo, if

2163
02:02:19.039 --> 02:02:21.439
<v Speaker 11>you have people above and below you, there's no way

2164
02:02:21.560 --> 02:02:24.680
<v Speaker 11>to convert that to where the unit owners can buy

2165
02:02:24.840 --> 02:02:26.239
<v Speaker 11>insurance for the exterior.

2166
02:02:28.439 --> 02:02:31.159
<v Speaker 2>All right, Brian, thank you very much. Brian Burns, Compass

2167
02:02:31.199 --> 02:02:33.920
<v Speaker 2>Insurance Group three oh three nine nine six nine thousand more.

2168
02:02:34.039 --> 02:02:41.600
<v Speaker 2>Right after this, go with a sure thing Denver's Best

2169
02:02:41.680 --> 02:02:44.520
<v Speaker 2>Roofer Excel Roofing dot com. You don't pay a cent

2170
02:02:44.760 --> 02:02:51.520
<v Speaker 2>until you're content. Time for an insurance checkup, free, no obligation.

2171
02:02:51.560 --> 02:02:55.399
<v Speaker 2>In comparison, call Compass Insurance paying too much your coverage

2172
02:02:55.439 --> 02:02:58.079
<v Speaker 2>at dozens of insurance companies find out now three oh

2173
02:02:58.159 --> 02:03:00.600
<v Speaker 2>three seven seven to one help. You'll think you're his

2174
02:03:00.760 --> 02:03:03.359
<v Speaker 2>only customer when you choose Frank durand the Real Estate

2175
02:03:03.439 --> 02:03:06.680
<v Speaker 2>Man dot com to list your home with Remax Alliance

2176
02:03:06.920 --> 02:03:20.359
<v Speaker 2>three oh three nine two zero sixteen twenty two. Hi

2177
02:03:20.479 --> 02:03:22.920
<v Speaker 2>Tom Martinez here three three seven, one three eight two

2178
02:03:23.039 --> 02:03:25.600
<v Speaker 2>five five. Welcome to the show. Hey Mark, did you

2179
02:03:25.720 --> 02:03:28.319
<v Speaker 2>know there's a town hall today from six to eight

2180
02:03:29.239 --> 02:03:32.920
<v Speaker 2>from the Attorney General Phil Wiser. Guess what he's doing.

2181
02:03:33.239 --> 02:03:35.920
<v Speaker 2>I have no idea. Okay, he's gonna declare a woman

2182
02:03:36.079 --> 02:03:41.000
<v Speaker 2>is a woman. No, he'll never do that. Oh, phil

2183
02:03:41.119 --> 02:03:46.119
<v Speaker 2>Weiser is having Oh this is crazy. He's having a

2184
02:03:46.199 --> 02:03:48.960
<v Speaker 2>town hall. Now, let me explain something to you. Attorney

2185
02:03:49.000 --> 02:03:53.079
<v Speaker 2>General Phil Weiser has had more consumer complaints come from

2186
02:03:53.159 --> 02:03:57.439
<v Speaker 2>US than anywhere as far as finding fraud, finding reasons

2187
02:03:57.479 --> 02:04:02.079
<v Speaker 2>to investigate. And what has Phil Wiser done when we

2188
02:04:02.199 --> 02:04:06.119
<v Speaker 2>have given them leads on consumer fraud and actions that

2189
02:04:06.279 --> 02:04:08.279
<v Speaker 2>have turned out to be major? What has he done?

2190
02:04:08.560 --> 02:04:11.039
<v Speaker 2>I'm going to report right now. Here's what he's done. Ready,

2191
02:04:11.199 --> 02:04:23.880
<v Speaker 2>here we go. Crickets, that's what he's done. But he

2192
02:04:24.079 --> 02:04:27.960
<v Speaker 2>has found a reason to have a town hall event

2193
02:04:28.840 --> 02:04:35.279
<v Speaker 2>with the attorneys general from Hawaii, Nevada, and Washington. They

2194
02:04:35.359 --> 02:04:44.079
<v Speaker 2>are mobilizing about lawsuits against Trump. That's what they're doing.

2195
02:04:44.720 --> 02:04:48.319
<v Speaker 2>They're having a town hall tonight for every progressive that

2196
02:04:48.520 --> 02:04:51.600
<v Speaker 2>wants to get on there and do a mental masturbation

2197
02:04:52.119 --> 02:04:58.199
<v Speaker 2>on why they should sue Trump for his illegal actions,

2198
02:04:59.520 --> 02:05:01.800
<v Speaker 2>and they I want to hear from people who have

2199
02:05:01.960 --> 02:05:06.520
<v Speaker 2>been negatively impacted by the Trump administration. Now, can you

2200
02:05:06.760 --> 02:05:12.039
<v Speaker 2>believe this? This is their consumer issue right now? People

2201
02:05:12.680 --> 02:05:18.199
<v Speaker 2>negatively impacted by the Trump administration. Why do you think

2202
02:05:18.279 --> 02:05:21.560
<v Speaker 2>they picked the Washington Attorney general, the Nevada attorney general,

2203
02:05:21.640 --> 02:05:26.000
<v Speaker 2>the Hawaii turner General, and then of course Phil Unwiser.

2204
02:05:27.439 --> 02:05:31.439
<v Speaker 2>Why do you think why do you think Phil Unwiser

2205
02:05:32.039 --> 02:05:37.359
<v Speaker 2>would do this? Is there that much impact on people

2206
02:05:37.560 --> 02:05:39.199
<v Speaker 2>negatively affected by Trump?

2207
02:05:39.960 --> 02:05:40.159
<v Speaker 13>Well?

2208
02:05:40.239 --> 02:05:45.439
<v Speaker 2>I have given Phil Weiser's office people negatively affected by liars, cheaters,

2209
02:05:45.520 --> 02:05:51.159
<v Speaker 2>and ripoffs every single day that pollute our state. What

2210
02:05:51.399 --> 02:05:55.000
<v Speaker 2>has Phil Wiser done with that? What do you think

2211
02:05:55.079 --> 02:06:02.199
<v Speaker 2>he's done? There we go, there we go? So what's

2212
02:06:02.279 --> 02:06:09.119
<v Speaker 2>going on in that office? Phil Unwiser? Thank you for

2213
02:06:09.239 --> 02:06:13.399
<v Speaker 2>your town hall meeting. God knows we could not get

2214
02:06:13.439 --> 02:06:17.680
<v Speaker 2>along without it. So Mark, what do you say? How

2215
02:06:17.760 --> 02:06:21.840
<v Speaker 2>have you been negatively impacted by the Trump administration? In fact,

2216
02:06:22.359 --> 02:06:25.359
<v Speaker 2>I invite any caller to call me right this second

2217
02:06:26.520 --> 02:06:28.279
<v Speaker 2>and tell me how they've been negative.

2218
02:06:28.880 --> 02:06:32.720
<v Speaker 5>Snack hasn't been exactly kicking ass anymore, so I'll throw

2219
02:06:32.840 --> 02:06:33.720
<v Speaker 5>that dart at him.

2220
02:06:34.800 --> 02:06:38.800
<v Speaker 2>All right, All right now, Peter, what is your question

2221
02:06:38.920 --> 02:06:40.520
<v Speaker 2>about insurance? Peter? Go ahead.

2222
02:06:43.079 --> 02:06:45.640
<v Speaker 7>I was just listening to your conversation I just had

2223
02:06:45.680 --> 02:06:50.600
<v Speaker 7>turned on the radio about about the counties like Adams.

2224
02:06:50.880 --> 02:06:54.800
<v Speaker 7>When you're saying it's based on yes on uh, okay.

2225
02:06:55.159 --> 02:06:58.520
<v Speaker 7>My problem is is that in that county I believe

2226
02:06:58.960 --> 02:07:03.079
<v Speaker 7>they have the most un sure motorists and uninsured You

2227
02:07:03.119 --> 02:07:03.479
<v Speaker 7>know what, I.

2228
02:07:03.479 --> 02:07:05.479
<v Speaker 2>Didn't actually look up. I don't know how to look

2229
02:07:05.560 --> 02:07:08.880
<v Speaker 2>up that matrix. Hey, is Brian still on? Brian Burns

2230
02:07:08.960 --> 02:07:14.239
<v Speaker 2>with Compass insurance? Brian? You's still there? Is he still there? Kelly?

2231
02:07:14.359 --> 02:07:14.520
<v Speaker 2>Or not?

2232
02:07:15.439 --> 02:07:15.880
<v Speaker 14>He should be?

2233
02:07:16.680 --> 02:07:20.960
<v Speaker 2>Okay? Okay, Brian. Is there a way to look up

2234
02:07:21.000 --> 02:07:23.920
<v Speaker 2>the most uninsured motorists? Yeah? Is there a way to

2235
02:07:23.960 --> 02:07:26.520
<v Speaker 2>look up the counties with the most uninsured motorist coverage?

2236
02:07:26.600 --> 02:07:27.119
<v Speaker 2>I can hear you.

2237
02:07:27.960 --> 02:07:32.279
<v Speaker 11>Okay, I don't Again, they don't give us the information

2238
02:07:32.399 --> 02:07:33.800
<v Speaker 11>of how they come up with it. But do you

2239
02:07:34.000 --> 02:07:37.159
<v Speaker 11>do see swings in the cost of uninsured motorists based

2240
02:07:37.199 --> 02:07:42.079
<v Speaker 11>off of zip codes? It's not dramatic though, Tom, because

2241
02:07:42.479 --> 02:07:44.800
<v Speaker 11>as you can imagine it doesn't matter if I live

2242
02:07:44.840 --> 02:07:47.399
<v Speaker 11>in Jefferson County, I could be driving through Adams County

2243
02:07:47.439 --> 02:07:50.279
<v Speaker 11>every day. It doesn't It doesn't really matter. So you

2244
02:07:50.520 --> 02:07:53.880
<v Speaker 11>just don't see huge swings based off a zip code

2245
02:07:53.920 --> 02:07:54.760
<v Speaker 11>for those kind of coverage.

2246
02:07:54.840 --> 02:07:56.840
<v Speaker 5>But it wouldn't it make a pretty big difference. So

2247
02:07:57.000 --> 02:08:01.680
<v Speaker 5>between like Denver, like Denver, Denver, and say somewhere in

2248
02:08:01.760 --> 02:08:06.000
<v Speaker 5>Douglas County. I mean, like for real, you don't think

2249
02:08:06.039 --> 02:08:08.960
<v Speaker 5>there's a big difference there. Don't more cars get stolen

2250
02:08:09.439 --> 02:08:12.479
<v Speaker 5>by far in Denver Brian than they do in Douglas's

2251
02:08:13.000 --> 02:08:13.760
<v Speaker 5>That's what I'm saying.

2252
02:08:15.439 --> 02:08:18.039
<v Speaker 11>The only area I really notice a difference is usually

2253
02:08:18.159 --> 02:08:21.920
<v Speaker 11>like on the collision or comprehensive because it could be

2254
02:08:22.039 --> 02:08:24.720
<v Speaker 11>that your how your car is sitting there more like

2255
02:08:24.800 --> 02:08:28.600
<v Speaker 11>at night. I'm saying from a liability and uninsured motorists standpoint,

2256
02:08:29.199 --> 02:08:31.880
<v Speaker 11>you just don't see huge swings because just because you're

2257
02:08:31.960 --> 02:08:35.000
<v Speaker 11>you're located, if your home is in a certain area,

2258
02:08:35.039 --> 02:08:37.079
<v Speaker 11>it doesn't mean that's where you drive all the time.

2259
02:08:37.479 --> 02:08:40.479
<v Speaker 11>You could be driving anywhere, So it just it. I

2260
02:08:40.560 --> 02:08:44.199
<v Speaker 11>don't think they tell everybody starts using the uh the

2261
02:08:44.479 --> 02:08:47.520
<v Speaker 11>tracking system, you know where they're able to tell where

2262
02:08:47.560 --> 02:08:49.560
<v Speaker 11>you're at and what you know, what your drives are,

2263
02:08:49.640 --> 02:08:51.880
<v Speaker 11>which a lot of carriers are going to that at

2264
02:08:51.960 --> 02:08:55.079
<v Speaker 11>that point, maybe you'll see it start rating it more

2265
02:08:55.199 --> 02:08:58.399
<v Speaker 11>specifically of where your car is throughout the day.

2266
02:09:00.000 --> 02:09:03.359
<v Speaker 2>You know, Brian, I predict and I've said this before my.

2267
02:09:03.479 --> 02:09:09.000
<v Speaker 7>Question, go ahead, it doesn't He didn't really address my

2268
02:09:09.920 --> 02:09:12.319
<v Speaker 7>my question. I don't think it was clear enough. I

2269
02:09:12.600 --> 02:09:16.560
<v Speaker 7>think the uninsured rates, especially the way the Colorado as

2270
02:09:16.880 --> 02:09:19.520
<v Speaker 7>uh and their laws and you talk about Phil Wiser,

2271
02:09:19.560 --> 02:09:23.079
<v Speaker 7>et cetera, is the same. Okay, their lack of really

2272
02:09:23.239 --> 02:09:26.720
<v Speaker 7>following through like the state legislature. Now anybody can get

2273
02:09:26.720 --> 02:09:30.119
<v Speaker 7>a driver's license, but they don't talk about the insurance.

2274
02:09:30.600 --> 02:09:36.560
<v Speaker 7>And my uninsured uninsured motorists when I'm with Compass has doubled.

2275
02:09:37.239 --> 02:09:41.479
<v Speaker 7>I believe it's pretty high over the years. It's just ridiculous.

2276
02:09:42.159 --> 02:09:45.399
<v Speaker 7>And uh, what we're doing. What we're doing is we're

2277
02:09:45.479 --> 02:09:51.960
<v Speaker 7>paying for these feel good masures without any replicat.

2278
02:09:52.119 --> 02:09:52.199
<v Speaker 2>Uh.

2279
02:09:53.159 --> 02:09:56.199
<v Speaker 7>You know, it's generally applied to everybody in the state

2280
02:09:56.239 --> 02:09:56.800
<v Speaker 7>of Colorado.

2281
02:09:56.800 --> 02:09:56.960
<v Speaker 14>Away.

2282
02:09:57.079 --> 02:10:01.199
<v Speaker 11>No, you're right, You're right, absolutely, you know, and you

2283
02:10:01.720 --> 02:10:04.960
<v Speaker 11>end up paying the people that are responsible end up

2284
02:10:05.039 --> 02:10:08.399
<v Speaker 11>carrying high liability limits to cover other people, but then

2285
02:10:08.479 --> 02:10:11.479
<v Speaker 11>have to turn around and cover high uninsured motors limits

2286
02:10:11.520 --> 02:10:14.479
<v Speaker 11>for themselves because there's so many people that aren't carrying.

2287
02:10:14.279 --> 02:10:17.560
<v Speaker 5>Insurance, and because first of all, we don't punish anything.

2288
02:10:17.640 --> 02:10:21.000
<v Speaker 5>If you drive around with out insurance. What happens, Nothing

2289
02:10:21.079 --> 02:10:21.720
<v Speaker 5>happens to you.

2290
02:10:22.039 --> 02:10:25.119
<v Speaker 2>You don't get you know what I've always thought. I've

2291
02:10:25.159 --> 02:10:27.479
<v Speaker 2>always thought there should be some kind of road tax

2292
02:10:27.560 --> 02:10:30.800
<v Speaker 2>based on how many miles you drive, and everyone should

2293
02:10:30.840 --> 02:10:34.520
<v Speaker 2>pay it into the state for a basic liability coverage

2294
02:10:35.279 --> 02:10:39.479
<v Speaker 2>basic liability. So everyone has a state fund for basic

2295
02:10:39.600 --> 02:10:44.199
<v Speaker 2>liability with certain limits. Then you have everyone insured. If

2296
02:10:44.319 --> 02:10:47.560
<v Speaker 2>people want to cover more, they can, and people will

2297
02:10:47.680 --> 02:10:49.800
<v Speaker 2>cover more. People who are rich or people that are

2298
02:10:49.840 --> 02:10:52.359
<v Speaker 2>worth more that need to protect their net worth, they

2299
02:10:52.439 --> 02:10:57.119
<v Speaker 2>will carry more insurance and problem is solved. Problem is solved.

2300
02:10:57.359 --> 02:10:59.920
<v Speaker 2>You don't pay the tax, you don't drive, you get

2301
02:11:00.079 --> 02:11:03.000
<v Speaker 2>your driver's license, you pay based on what you drive

2302
02:11:03.079 --> 02:11:07.920
<v Speaker 2>a year. You pay a freaking road tax, which goes

2303
02:11:08.000 --> 02:11:11.399
<v Speaker 2>to basic liability. It is the fairest thing you could

2304
02:11:11.439 --> 02:11:14.199
<v Speaker 2>ever do in the world. Of course, I'm sure there

2305
02:11:14.239 --> 02:11:18.039
<v Speaker 2>are those that will call it racist because of who

2306
02:11:18.159 --> 02:11:22.600
<v Speaker 2>knows why, Because that's what they're programmed for racist, racist racist.

2307
02:11:22.920 --> 02:11:25.840
<v Speaker 2>If something goes you know, they don't like racist. And

2308
02:11:26.199 --> 02:11:29.239
<v Speaker 2>so anyway, I did look up on insured motorists. The

2309
02:11:29.399 --> 02:11:30.800
<v Speaker 2>most are in Swatch County.

2310
02:11:32.600 --> 02:11:35.960
<v Speaker 7>What Tom, the biggest problem that I see? You have

2311
02:11:36.079 --> 02:11:39.000
<v Speaker 7>a law out there, say, in order to have a car,

2312
02:11:39.159 --> 02:11:41.439
<v Speaker 7>you have to have to get a license on your car,

2313
02:11:42.039 --> 02:11:45.600
<v Speaker 7>you have to have insurance, and you show it. After

2314
02:11:45.720 --> 02:11:49.520
<v Speaker 7>you show the insurance, they cancel it and we're left out.

2315
02:11:49.680 --> 02:11:50.119
<v Speaker 11>Number one.

2316
02:11:50.680 --> 02:11:54.760
<v Speaker 2>Number two is that, yeah, but my my my solution

2317
02:11:54.920 --> 02:11:57.800
<v Speaker 2>would cover that. No, it would not.

2318
02:11:58.279 --> 02:12:00.600
<v Speaker 7>Do you have a law out there right now that's

2319
02:12:00.680 --> 02:12:03.600
<v Speaker 7>not being enforced. Number one Number two is is that

2320
02:12:04.079 --> 02:12:10.520
<v Speaker 7>when you look at uninsured motorists, Okay, their policies the

2321
02:12:10.600 --> 02:12:13.439
<v Speaker 7>bare minimum people have to drop because they can't afford it.

2322
02:12:13.479 --> 02:12:17.359
<v Speaker 7>They're dropping their liability down to twenty five thousand.

2323
02:12:17.439 --> 02:12:19.560
<v Speaker 2>I don't know he is right, and I'm sorry, I

2324
02:12:19.600 --> 02:12:21.520
<v Speaker 2>don't know what I don't know what you mean, Peter,

2325
02:12:21.840 --> 02:12:23.279
<v Speaker 2>there would be I don't know what you mean when

2326
02:12:23.279 --> 02:12:26.520
<v Speaker 2>you say my solution wouldn't work. I'm proposing a road

2327
02:12:26.600 --> 02:12:29.159
<v Speaker 2>tax based on the number miles driven a year that

2328
02:12:29.279 --> 02:12:33.079
<v Speaker 2>will give you basic liabilities. Saying can not help.

2329
02:12:33.199 --> 02:12:36.560
<v Speaker 5>We already have those on the books and they're not enforced.

2330
02:12:36.840 --> 02:12:39.479
<v Speaker 5>What he's saying is what good would it? What's not

2331
02:12:39.720 --> 02:12:40.199
<v Speaker 5>charge it?

2332
02:12:40.479 --> 02:12:42.920
<v Speaker 2>We don't have any basic liability on the books for

2333
02:12:43.079 --> 02:12:45.039
<v Speaker 2>road tax. Tell me what you're talking about.

2334
02:12:45.039 --> 02:12:48.199
<v Speaker 5>For insurance right now? In order to drive in Colorado

2335
02:12:48.279 --> 02:12:50.880
<v Speaker 5>in a car, legally you have to have the minimum

2336
02:12:50.960 --> 02:12:53.039
<v Speaker 5>of twenty five to fifty insurance.

2337
02:12:53.119 --> 02:12:55.840
<v Speaker 2>But there's SR teeth there. You don't get thrown in

2338
02:12:56.039 --> 02:12:59.960
<v Speaker 2>your right. But what I'm talking about is a tax

2339
02:13:00.560 --> 02:13:04.279
<v Speaker 2>is a different story. Would you don't have what would

2340
02:13:04.319 --> 02:13:04.840
<v Speaker 2>you pay it on?

2341
02:13:05.239 --> 02:13:07.680
<v Speaker 5>Joe blow is going to report that he drove eight

2342
02:13:07.800 --> 02:13:11.000
<v Speaker 5>hundred and seventy five miles this week instead of reporting

2343
02:13:11.079 --> 02:13:11.880
<v Speaker 5>he drove a three.

2344
02:13:13.520 --> 02:13:15.439
<v Speaker 1>I have a foolproof way of doing it. Just added

2345
02:13:15.479 --> 02:13:16.319
<v Speaker 1>to the fuel tax.

2346
02:13:16.680 --> 02:13:20.439
<v Speaker 5>Well, kab And I'll never pay taxes. Then I'll never

2347
02:13:20.560 --> 02:13:24.199
<v Speaker 5>pay a road tax ever, Dimitri and either will do.

2348
02:13:24.359 --> 02:13:27.840
<v Speaker 1>To solve right, So the small minority of the vehicles

2349
02:13:27.880 --> 02:13:30.399
<v Speaker 1>that are electric will be subjected to some other mechanism.

2350
02:13:30.760 --> 02:13:33.239
<v Speaker 1>But I think my idea just solved ninety percent of

2351
02:13:33.319 --> 02:13:33.800
<v Speaker 1>the problem.

2352
02:13:34.479 --> 02:13:38.520
<v Speaker 2>Now there's got to be a way more expensive gasol

2353
02:13:39.239 --> 02:13:43.199
<v Speaker 2>answer Mark, Mark, Maybe we have to come up with

2354
02:13:43.319 --> 02:13:47.319
<v Speaker 2>a better way of paying it. But I'm saying, a centralized,

2355
02:13:48.279 --> 02:13:54.720
<v Speaker 2>centralized common liability policy for all drivers, a basic liability,

2356
02:13:55.279 --> 02:13:57.920
<v Speaker 2>and then we charge every driver, whether it's when they

2357
02:13:58.000 --> 02:14:01.039
<v Speaker 2>get their license or whatever. You pay the fee, or

2358
02:14:01.119 --> 02:14:03.359
<v Speaker 2>you don't drive. Maybe that's what we want.

2359
02:14:03.479 --> 02:14:07.920
<v Speaker 5>Even when you they don't do anything. Now without they

2360
02:14:07.960 --> 02:14:10.399
<v Speaker 5>could easily narrate right now they do not. If you

2361
02:14:10.479 --> 02:14:13.680
<v Speaker 5>get caught without insurance, you spend thirty days in the slammer.

2362
02:14:14.039 --> 02:14:18.880
<v Speaker 2>That would solve this problem. No, you're right, it's not enforced.

2363
02:14:18.920 --> 02:14:21.600
<v Speaker 2>I totally agree. We got more coming up. Go with

2364
02:14:21.720 --> 02:14:25.119
<v Speaker 2>a sure thing Denver's Best roofer Excel Roofing dot com.

2365
02:14:25.319 --> 02:14:31.039
<v Speaker 2>You don't pay a cent until you're content. Time for

2366
02:14:31.079 --> 02:14:35.399
<v Speaker 2>an insurance checkup, free, no obligation comparison call Compass Insurance

2367
02:14:35.600 --> 02:14:38.600
<v Speaker 2>paying too much your coverage at dozens of insurance companies

2368
02:14:38.720 --> 02:14:41.279
<v Speaker 2>find out now three oh three seven seven to one help.

2369
02:14:41.479 --> 02:14:44.119
<v Speaker 2>You'll think you're his only customer when you choose Frank

2370
02:14:44.159 --> 02:14:46.560
<v Speaker 2>durand the real estate Man dot com to list your

2371
02:14:46.640 --> 02:14:49.760
<v Speaker 2>home with Remax Alliance three oh three nine two zero

2372
02:14:49.880 --> 02:14:57.319
<v Speaker 2>sixteen twenty two. All right, let's talk to Jeremy Jeremy,

2373
02:14:57.359 --> 02:15:01.880
<v Speaker 2>go ahead. What's going on, Jeremy, Tom, how you doing today,

2374
02:15:03.159 --> 02:15:04.199
<v Speaker 2>good man? What's happening?

2375
02:15:04.960 --> 02:15:08.239
<v Speaker 16>Hey, brother? So your friend Paul over water Proost told

2376
02:15:08.279 --> 02:15:11.960
<v Speaker 16>me to give you a call. So basically, loose en ja.

2377
02:15:12.079 --> 02:15:16.000
<v Speaker 16>I got a landlord who's turning to a bully and

2378
02:15:16.199 --> 02:15:20.479
<v Speaker 16>who enjoys putting fingers in people's faces and illegally kicking

2379
02:15:20.560 --> 02:15:24.439
<v Speaker 16>them out. Because all I wanted was for this man

2380
02:15:24.560 --> 02:15:28.600
<v Speaker 16>to please make sure our water was safe. I had

2381
02:15:28.640 --> 02:15:32.319
<v Speaker 16>our water professionally tested at a lab and is come

2382
02:15:32.399 --> 02:15:35.720
<v Speaker 16>back with radon in it, back, tarry in it, let

2383
02:15:35.800 --> 02:15:39.720
<v Speaker 16>in it, and a few other things. And when the

2384
02:15:39.840 --> 02:15:42.159
<v Speaker 16>landlord is made aware of this stuff, he does nothing

2385
02:15:42.239 --> 02:15:45.479
<v Speaker 16>but laughs in my face, puts his sting.

2386
02:15:45.359 --> 02:15:45.800
<v Speaker 9>In my face.

2387
02:15:45.880 --> 02:15:49.119
<v Speaker 2>Okay, I'll tell you why, Jeremy. Let me tell you why.

2388
02:15:49.800 --> 02:15:51.840
<v Speaker 2>And I'm not saying this is legit, but I'm going

2389
02:15:51.880 --> 02:15:54.479
<v Speaker 2>to tell you why. Either he thinks you're a nut

2390
02:15:54.680 --> 02:15:57.159
<v Speaker 2>because you had your water tested and he doesn't believe

2391
02:15:57.199 --> 02:15:59.880
<v Speaker 2>in that kind of stuff, or he thinks you're just

2392
02:16:00.000 --> 02:16:04.039
<v Speaker 2>looking for trouble. Now do I doubt that there is

2393
02:16:04.279 --> 02:16:09.720
<v Speaker 2>water that is not worth drinking? Absolutely, But here's the problem.

2394
02:16:09.800 --> 02:16:13.039
<v Speaker 2>You're going to find, Jeremy, You're not going to find

2395
02:16:13.279 --> 02:16:18.600
<v Speaker 2>any judge in America that will uphold safe drinking water

2396
02:16:19.119 --> 02:16:24.079
<v Speaker 2>as a standard of habitability. I'll guarantee you that if

2397
02:16:24.119 --> 02:16:27.560
<v Speaker 2>you try to bring in action against this landmord based

2398
02:16:27.640 --> 02:16:30.479
<v Speaker 2>on that water test, you'll be laughed out of court.

2399
02:16:30.960 --> 02:16:32.120
<v Speaker 2>Do I think that's right?

2400
02:16:32.319 --> 02:16:32.360
<v Speaker 12>No.

2401
02:16:33.079 --> 02:16:37.200
<v Speaker 2>Technically, if you have your water tested and it's undrinkable,

2402
02:16:38.000 --> 02:16:42.040
<v Speaker 2>truly undrinkable, then you have a good case. But what

2403
02:16:42.159 --> 02:16:45.360
<v Speaker 2>are you looking for? Because the most that will happen

2404
02:16:46.000 --> 02:16:48.559
<v Speaker 2>is that you get to move and break your lease?

2405
02:16:49.239 --> 02:16:51.840
<v Speaker 2>Is that what you want? You're not going to force

2406
02:16:51.959 --> 02:16:55.360
<v Speaker 2>him to change the water. You're just going to get

2407
02:16:55.399 --> 02:16:56.600
<v Speaker 2>a release from your.

2408
02:16:56.559 --> 02:17:02.520
<v Speaker 9>Lease, Okay, basically, And I tell yeah, I wanted to

2409
02:17:02.680 --> 02:17:06.799
<v Speaker 9>leave the right way, but the way he has turned,

2410
02:17:06.879 --> 02:17:09.120
<v Speaker 9>he has turned hostile though against me.

2411
02:17:09.760 --> 02:17:10.879
<v Speaker 16>We're talking having.

2412
02:17:11.000 --> 02:17:14.120
<v Speaker 2>Because he thinks you're he listen, he thinks you're a troublemaker.

2413
02:17:14.600 --> 02:17:17.520
<v Speaker 2>That's all it is. I'm not saying you are, but

2414
02:17:17.680 --> 02:17:20.959
<v Speaker 2>he thinks you are. Anybody that gets the water tested

2415
02:17:21.239 --> 02:17:24.040
<v Speaker 2>and goes to the landlord and says, I demand you

2416
02:17:24.159 --> 02:17:27.600
<v Speaker 2>make our drinking water safe, they're going to react the

2417
02:17:27.680 --> 02:17:32.399
<v Speaker 2>same way because nowadays, it's not a standard. It's not

2418
02:17:32.680 --> 02:17:36.280
<v Speaker 2>something people look at and they're not gonna believe you either.

2419
02:17:36.559 --> 02:17:38.920
<v Speaker 2>They're gonna think it's some water guy trying to sell

2420
02:17:38.920 --> 02:17:42.239
<v Speaker 2>you a filtration system. And I know that's not the case,

2421
02:17:42.760 --> 02:17:46.719
<v Speaker 2>but that's what they're going to think. So I would

2422
02:17:46.760 --> 02:17:48.879
<v Speaker 2>say nine out of ten, I would say nine out

2423
02:17:48.920 --> 02:17:51.360
<v Speaker 2>of ten landlords, if you went to them and said

2424
02:17:51.680 --> 02:17:54.319
<v Speaker 2>I had our water tested and I demand you bring

2425
02:17:54.399 --> 02:17:56.879
<v Speaker 2>our water up to safe standards, nine out of ten

2426
02:17:56.920 --> 02:17:58.360
<v Speaker 2>of them will laugh you out of the place.

2427
02:18:00.239 --> 02:18:03.079
<v Speaker 16>That's just something something about that seems right that uh,

2428
02:18:03.959 --> 02:18:07.559
<v Speaker 16>someone can just act like that and purposely annoying.

2429
02:18:07.719 --> 02:18:08.360
<v Speaker 1>That's right, and.

2430
02:18:10.000 --> 02:18:13.239
<v Speaker 16>Just because does not get sick at that moment. Something's

2431
02:18:13.280 --> 02:18:14.879
<v Speaker 16>wrong with the laws to the point.

2432
02:18:14.639 --> 02:18:19.799
<v Speaker 2>Where Jeremy, Jeremy, well, what should not be allowed?

2433
02:18:21.319 --> 02:18:24.239
<v Speaker 16>I mean, from my understanding from if you buy a

2434
02:18:24.399 --> 02:18:26.879
<v Speaker 16>house and it's got a well on it, you cannot

2435
02:18:27.040 --> 02:18:30.959
<v Speaker 16>buy it unless that well water is safe? Why and good?

2436
02:18:31.159 --> 02:18:34.920
<v Speaker 2>That's right. No, No, that's that's not true. That's not true, Jeremy,

2437
02:18:35.000 --> 02:18:37.959
<v Speaker 2>that's not true at all. You can buy that house

2438
02:18:38.319 --> 02:18:40.959
<v Speaker 2>with the most dangerous water in the world. That is

2439
02:18:41.120 --> 02:18:43.879
<v Speaker 2>not true. What you can't do is get a loan

2440
02:18:44.000 --> 02:18:47.040
<v Speaker 2>on that house, but you can buy it all day long.

2441
02:18:47.639 --> 02:18:50.600
<v Speaker 2>What listen, and that's a well water And the only

2442
02:18:50.799 --> 02:18:54.559
<v Speaker 2>reason the bank cares about that water is so if

2443
02:18:54.600 --> 02:18:57.639
<v Speaker 2>they have to foreclothes on the house, they can sell it.

2444
02:18:58.079 --> 02:19:02.680
<v Speaker 2>It's not for your health. No one cares about your health.

2445
02:19:03.319 --> 02:19:06.760
<v Speaker 2>I know that sounds crazy, but it's the truth. Okay,

2446
02:19:07.879 --> 02:19:11.719
<v Speaker 2>drinking water is critical, but no one is hip to it.

2447
02:19:11.879 --> 02:19:12.040
<v Speaker 4>Yet.

2448
02:19:12.559 --> 02:19:16.799
<v Speaker 2>You can't make your landlord change the water. What I'm

2449
02:19:16.879 --> 02:19:20.319
<v Speaker 2>telling you is if you don't like the drinking water

2450
02:19:20.520 --> 02:19:23.159
<v Speaker 2>where you live, then you can get out of your

2451
02:19:23.280 --> 02:19:26.600
<v Speaker 2>lease and move somewhere else and we can help you.

2452
02:19:26.799 --> 02:19:29.239
<v Speaker 2>How would the landlord change it anyhow.

2453
02:19:30.520 --> 02:19:34.879
<v Speaker 5>By putting in a water system? Just put in you know,

2454
02:19:35.040 --> 02:19:36.959
<v Speaker 5>he could put in a filtration to me, it seems

2455
02:19:37.000 --> 02:19:38.799
<v Speaker 5>like but they're not going to do it. This guy's

2456
02:19:38.840 --> 02:19:41.559
<v Speaker 5>beef is with the municipality or the water board.

2457
02:19:42.559 --> 02:19:47.959
<v Speaker 16>Well well, wait, let me say something. Because my landlord

2458
02:19:48.120 --> 02:19:50.600
<v Speaker 16>took such a sense that I even offer to help

2459
02:19:50.639 --> 02:19:52.040
<v Speaker 16>him do it for free because of what I do

2460
02:19:52.200 --> 02:19:55.200
<v Speaker 16>for a living. He legally tried to have me to

2461
02:19:55.280 --> 02:19:59.000
<v Speaker 16>evict it, and the court said, you can't do this

2462
02:19:59.559 --> 02:20:03.200
<v Speaker 16>but the good my heart of having ability stand in

2463
02:20:03.360 --> 02:20:05.399
<v Speaker 16>the court and all right.

2464
02:20:05.360 --> 02:20:07.040
<v Speaker 2>We got to take a break. I'm sorry, we got

2465
02:20:07.120 --> 02:20:11.000
<v Speaker 2>to take a break. Go with a sure thing Denver's

2466
02:20:11.079 --> 02:20:13.920
<v Speaker 2>best roofer Excel Roofing dot com. You don't pay a

2467
02:20:14.040 --> 02:20:20.479
<v Speaker 2>cent until you're content, Wait time for an insurance checkup free,

2468
02:20:20.600 --> 02:20:24.280
<v Speaker 2>no obligation. In comparison, call Compass Insurance paying too much

2469
02:20:24.479 --> 02:20:27.360
<v Speaker 2>your coverage at dozens of insurance companies find out now

2470
02:20:27.479 --> 02:20:29.959
<v Speaker 2>three oh three seven seven to one help. You'll think

2471
02:20:30.000 --> 02:20:32.600
<v Speaker 2>you're his only customer when you choose Frank durand the

2472
02:20:32.639 --> 02:20:35.239
<v Speaker 2>real estate Man dot com to list your home with

2473
02:20:35.399 --> 02:20:38.719
<v Speaker 2>Remax Alliance three oh three nine two zero sixteen twenty

2474
02:20:38.760 --> 02:20:38.920
<v Speaker 2>two