WEBVTT 1 00:00:05.200 --> 00:00:09.640 Ripud news mean advice. 2 00:00:09.720 --> 00:00:14.439 Who you don't have the come run anxious as fast 3 00:00:14.480 --> 00:00:18.800 as you can, shoot us gonna help come. 4 00:00:19.920 --> 00:00:22.079 Dix. He is the Troubleshooter Show. 5 00:00:22.719 --> 00:00:28.440 No Tom Martino, Hello Tom Martino here, Welcome to the show. 6 00:00:28.480 --> 00:00:30.679 Three oh three, seven to one three talk seven one 7 00:00:30.679 --> 00:00:33.520 three eight two, five to five. I have some guests today, 8 00:00:33.520 --> 00:00:38.560 have Henry Bretz from mom Excel roofing, and then anything 9 00:00:38.640 --> 00:00:40.840 and then you're my main guest. So anything you have 10 00:00:41.200 --> 00:00:44.000 call us. Let me just say this. I mean I 11 00:00:44.039 --> 00:00:46.439 come on every day. I've been doing this for forty 12 00:00:46.439 --> 00:00:48.960 five years and did for just saying welcome to the show. 13 00:00:49.439 --> 00:00:51.719 And let me just say this, I really mean it. 14 00:00:52.119 --> 00:00:56.000 Welcome to the show, and that means I want you 15 00:00:56.039 --> 00:00:57.159 to take advantage of us. 16 00:00:57.200 --> 00:00:59.119 I want you to help us. I want you to 17 00:00:59.159 --> 00:00:59.840 be part of it. 18 00:01:01.200 --> 00:01:05.560 You know, we take for granted sometimes this show because 19 00:01:05.719 --> 00:01:08.239 we have helped so many people. So if you just 20 00:01:08.280 --> 00:01:11.359 want to shoot the breeze, call us. In other words, 21 00:01:11.400 --> 00:01:14.120 if you don't have a problem, but you notice something 22 00:01:14.159 --> 00:01:18.480 that looks awry or possibly you want to help stave 23 00:01:18.599 --> 00:01:23.640 off a problem because you feel like it's going to 24 00:01:23.680 --> 00:01:26.640 be a problem, let us know This is where we 25 00:01:26.680 --> 00:01:30.159 get most of our information from our listeners. Dorothy, she 26 00:01:30.200 --> 00:01:33.439 has an issue with a contractor and concrete, So we're 27 00:01:33.480 --> 00:01:36.920 going to kick off the day with her and find 28 00:01:36.920 --> 00:01:38.480 out what's on her mind today. 29 00:01:38.840 --> 00:01:41.439 So Dorothy, fire away. Dorothy. 30 00:01:43.560 --> 00:01:48.040 Well, we had some concrete work steps put in leading 31 00:01:48.040 --> 00:01:51.560 from our house down to the street, which the work 32 00:01:51.760 --> 00:01:56.200 was absolutely terrible. The owner, when he came to look 33 00:01:56.599 --> 00:01:59.840 at the job, agreed that the work was the worths 34 00:02:00.079 --> 00:02:05.120 were seen. Anyways, they came back wound up taking out 35 00:02:05.159 --> 00:02:10.960 the old the steps that they put in, and they 36 00:02:11.000 --> 00:02:17.719 redid the steps, which are good now. However, there was 37 00:02:17.759 --> 00:02:20.599 some other work that was supposed to be done on 38 00:02:20.719 --> 00:02:23.039 the side of our house. A step was supposed to 39 00:02:23.080 --> 00:02:28.680 be taken care of, and they were supposed to do drilling, 40 00:02:28.800 --> 00:02:31.560 diamond drilling to believe, or diamond cut I believe, and 41 00:02:33.719 --> 00:02:37.360 they didn't do that. They were supposed to repair work 42 00:02:37.400 --> 00:02:41.840 on our driveway and they did that in a terrible, 43 00:02:42.080 --> 00:02:46.360 terrible manner. They agreed that they would give us some 44 00:02:46.479 --> 00:02:48.879 money back. Well, my husband has been on the phone 45 00:02:48.879 --> 00:02:54.400 with them for weeks trying to get them to give 46 00:02:54.479 --> 00:02:58.960 us our money back, and they just put us off 47 00:02:59.120 --> 00:03:02.000 and they say they'll be out here on Friday, and 48 00:03:02.360 --> 00:03:05.120 you hear nothing from them, then they'll say, oh, well, 49 00:03:05.599 --> 00:03:07.120 Dorothy in a car accident. 50 00:03:07.199 --> 00:03:10.439 Dorothy, hold on one second. Okay, Now I just have 51 00:03:10.520 --> 00:03:11.360 a few things. 52 00:03:12.280 --> 00:03:12.639 Did you. 53 00:03:13.479 --> 00:03:16.919 First of all, how much was the contract for everything 54 00:03:16.919 --> 00:03:19.960 they were supposed to do if everything had gone perfectly? 55 00:03:20.280 --> 00:03:21.800 What is the contracted amount? 56 00:03:25.199 --> 00:03:29.800 Well, we originally it was forty two hundred dollars, and 57 00:03:29.840 --> 00:03:36.800 then okay, because of additional work, they backed the price 58 00:03:36.919 --> 00:03:40.439 up to well, we wound up giving them like sixty 59 00:03:40.479 --> 00:03:41.039 six hundred. 60 00:03:41.400 --> 00:03:44.280 Dorothy, Just give me the price, Dorothy, Just give me 61 00:03:44.319 --> 00:03:46.759 the whole contracted price. How much would it have been 62 00:03:46.800 --> 00:03:51.759 if everything went perfectly, Well. 63 00:03:51.800 --> 00:03:56.240 Let's see, it would have been forty forty two hundred 64 00:03:56.280 --> 00:04:00.759 dollars and plus. So I think it's forty nine. 65 00:04:01.439 --> 00:04:03.879 Okay, Okay, let's just say let's just say forty nine. 66 00:04:04.479 --> 00:04:06.520 Let's just say forty nine hundred. Now what I want 67 00:04:06.520 --> 00:04:09.439 to ask is this. We'll get to your problem, but 68 00:04:09.479 --> 00:04:10.599 I need to get the basics. 69 00:04:10.840 --> 00:04:13.400 How much have you actually paid so far? 70 00:04:14.879 --> 00:04:17.839 We've paid full amount and we paid it. 71 00:04:18.040 --> 00:04:23.240 Okay, So okay, Now what I want to know is 72 00:04:23.519 --> 00:04:26.399 are you expecting when you said to get your money back. 73 00:04:27.360 --> 00:04:30.240 Are are Did they say they would refund the entire 74 00:04:30.439 --> 00:04:31.600 forty nine hundred? 75 00:04:32.920 --> 00:04:37.240 No they did not, they would Okay, when you said. 76 00:04:37.000 --> 00:04:39.720 A refund, how much did they say they would refund 77 00:04:39.759 --> 00:04:39.959 to you? 78 00:04:40.040 --> 00:04:42.319 How much they. 79 00:04:42.160 --> 00:04:44.920 Were going to give us at least seven hundred dollars back? 80 00:04:46.399 --> 00:04:48.199 And oh, but that. 81 00:04:48.079 --> 00:04:50.680 Doesn't sound like enough at all. If the job is 82 00:04:50.720 --> 00:04:53.800 as bad as you say it is, seven hundred dollars 83 00:04:53.839 --> 00:04:54.959 doesn't sound like enough. 84 00:04:55.160 --> 00:04:58.319 What I need to know right now is of the job? 85 00:04:58.800 --> 00:05:05.360 Right now, what percentage of the job needs to be redone? 86 00:05:05.680 --> 00:05:12.279 Well, it's a minor percentage at this point, it's just three. 87 00:05:12.319 --> 00:05:16.399 But you had nothing but trouble is basically, and so 88 00:05:16.519 --> 00:05:19.160 this seven hundred is more like a good will adjustment. 89 00:05:20.279 --> 00:05:23.839 Yeah, it's been a fiasco. It's just been a terrible fiasco. 90 00:05:26.240 --> 00:05:29.079 I don't blame you. I don't blame you. This sounds terrible. 91 00:05:29.279 --> 00:05:30.560 What's the name of the company. 92 00:05:32.120 --> 00:05:37.120 It's CNJ Concrete and Asphalt Repair. 93 00:05:38.800 --> 00:05:42.600 CNJ. How did you find them? 94 00:05:42.720 --> 00:05:47.759 They actually came to the door, which we usually don't. 95 00:05:48.480 --> 00:05:52.199 The worst thing you could ever do, Yes, exactly, and 96 00:05:52.360 --> 00:05:53.519 the worst thing that is. 97 00:05:53.920 --> 00:05:58.800 So it's CNJ asphalt and concrete repair, and so what 98 00:05:58.879 --> 00:06:00.800 do you want right now? Let's let's just get right 99 00:06:00.839 --> 00:06:02.720 to it and see what we can do for you. 100 00:06:02.720 --> 00:06:04.680 You want seven hundred dollars back. 101 00:06:07.000 --> 00:06:10.000 For all the aggravation and everything that we've gone through. 102 00:06:10.120 --> 00:06:12.079 My husband has delt if. 103 00:06:12.279 --> 00:06:14.920 Listen, if everything you say is true, I agree on 104 00:06:16.120 --> 00:06:23.079 I mean truly, you know, really truly, if it's that bad. Now, 105 00:06:23.360 --> 00:06:26.279 did you ever have an independent person look at the job? 106 00:06:27.800 --> 00:06:33.160 We had Centennial Inspectors. They were working on our street 107 00:06:33.839 --> 00:06:36.720 and he does concrete work, and he looked at the 108 00:06:36.759 --> 00:06:39.839 steps and said, that is the worst job I've ever seen. 109 00:06:40.560 --> 00:06:46.360 And anyways, we have neighbors that all saw it. I mean, 110 00:06:46.560 --> 00:06:48.639 they could have had three more jobs if they had 111 00:06:48.680 --> 00:06:50.399 been you know. 112 00:06:50.879 --> 00:06:54.800 Yeah, Okay, upright, Okay, here's what we're going to do. 113 00:06:55.720 --> 00:06:58.839 Okay, here's what we're going to do. I hear that. 114 00:06:59.000 --> 00:07:01.839 You know, like I said, whether it's true or not, 115 00:07:02.319 --> 00:07:05.279 I mean not true, whether it's true one or maybe 116 00:07:05.319 --> 00:07:08.120 you're exaggerating little maybe not. It sounds like you had 117 00:07:08.120 --> 00:07:11.160 a terrible time. What what what? What what we can 118 00:07:11.240 --> 00:07:15.040 do is call them and Henry, you have something to say. 119 00:07:15.079 --> 00:07:18.439 Henry Bretch is with Excel roofing. Henry, Yeah, I just 120 00:07:18.439 --> 00:07:21.079 had a quick question. You said Centennial inspector. Is that 121 00:07:21.120 --> 00:07:23.639 the city inspector? I think that's what she meant. They 122 00:07:23.639 --> 00:07:27.000 were on this. The inspectors from Centennial were there. Is 123 00:07:27.040 --> 00:07:27.839 that what you said? 124 00:07:28.759 --> 00:07:29.040 Yeah? 125 00:07:29.079 --> 00:07:32.000 They were. They were replacing parts of the sidewalks and 126 00:07:32.040 --> 00:07:33.600 stuff up and down our street. 127 00:07:33.800 --> 00:07:35.399 So, uh, was it a. 128 00:07:35.279 --> 00:07:37.920 City inspector that looked at it? 129 00:07:38.160 --> 00:07:39.920 Yeah? 130 00:07:40.040 --> 00:07:42.959 So was there a permit pulled on this? I'm just curious. 131 00:07:43.000 --> 00:07:45.319 It doesn't sound like it. So there was a permit 132 00:07:45.399 --> 00:07:46.120 on this job? 133 00:07:48.319 --> 00:07:51.120 No? No, no doors, not on our job. 134 00:07:53.360 --> 00:07:56.240 Okay, maybe there wasn't one required? Is it required, Henry? 135 00:07:56.240 --> 00:07:56.959 For then? I don't. 136 00:07:57.160 --> 00:08:00.600 I think it is required for major work, it's required. 137 00:08:00.920 --> 00:08:02.160 I'm not a concrete guys. 138 00:08:02.279 --> 00:08:05.040 Hey, listen, Dorothy, here's what we're gonna do. I'm gonna 139 00:08:05.040 --> 00:08:07.519 have Deputy D call over there and just get the scoop, 140 00:08:08.759 --> 00:08:10.639 you know, just just find out what's going on. 141 00:08:11.000 --> 00:08:13.839 When's the last time you talked? When was the job completed? 142 00:08:16.240 --> 00:08:21.519 Oh? Boy, it was complete about three about three weeks ago. 143 00:08:23.160 --> 00:08:27.639 Okay, good, hold on a second, Deputy D. 144 00:08:28.920 --> 00:08:31.480 Let's just let's just get the lowdown on this. 145 00:08:31.600 --> 00:08:34.600 You know, sure, all right, you hold on, Dorothy, We're 146 00:08:34.600 --> 00:08:39.080 gonna have someone, uh not someone. 147 00:08:38.759 --> 00:08:39.840 Deputy D call you. 148 00:08:40.399 --> 00:08:42.519 And then let's just make a call during the show 149 00:08:42.840 --> 00:08:46.080 to see if they even acknowledge a good will adjustment. 150 00:08:46.200 --> 00:08:49.080 Right now, I think that's the best we can hope for. 151 00:08:49.480 --> 00:08:52.159 Three oh three seven one three talk seven one three 152 00:08:52.200 --> 00:08:57.279 eight two five five waterpros dot net. You want good water, 153 00:08:57.399 --> 00:09:03.120 and you should because water is uh the biggest thing 154 00:09:03.200 --> 00:09:06.039 we can do to our bodies for health. Water first, 155 00:09:06.320 --> 00:09:09.279 then food, believe it or not, and water sucks. Right now, 156 00:09:09.679 --> 00:09:12.960 you can get great systems at the lowest prices. Waterpros 157 00:09:13.000 --> 00:09:15.440 dot Net three oh three eight six two five five 158 00:09:15.559 --> 00:09:23.360 five four Ali Tom Martino here three O three seven 159 00:09:23.399 --> 00:09:26.240 one three talks every one three a two five five. 160 00:09:26.480 --> 00:09:28.759 So Deputy G is going to be working on that problem. 161 00:09:29.000 --> 00:09:31.879 And as soon as Kelly puts down her mimosa and 162 00:09:31.960 --> 00:09:35.279 gets him the information. Again, people, you don't have any 163 00:09:35.279 --> 00:09:36.919 idea what goes on behind the scenes. 164 00:09:37.480 --> 00:09:40.039 Uh, you know, like we have fun, right, but then 165 00:09:40.360 --> 00:09:43.559 I just refilled it, Tom, so you know you just 166 00:09:43.639 --> 00:09:44.159 refilled it. 167 00:09:44.200 --> 00:09:50.000 Okay, Mimosa's all right, and then so what breakfast drinks mimosas. 168 00:09:50.080 --> 00:09:53.039 And then the other one is, uh, bloody Mary, what 169 00:09:53.080 --> 00:09:56.120 else is it? What else is breakfast? I mean for breakfast? 170 00:09:56.200 --> 00:09:58.799 I like your coffee. Maybe all I know, But people 171 00:09:58.840 --> 00:10:00.000 are people get crazy. 172 00:10:00.120 --> 00:10:03.240 Andy has a question on cremation. By the way, if 173 00:10:03.240 --> 00:10:03.840 you have any. 174 00:10:03.639 --> 00:10:05.639 Problems, question complains, or you just want to shoot the 175 00:10:05.679 --> 00:10:08.159 breeze and you want to discuss stuff, give us a 176 00:10:08.200 --> 00:10:09.320 call Andy. 177 00:10:09.639 --> 00:10:10.919 What's going on with you, sir? 178 00:10:12.639 --> 00:10:17.000 Good morning, Tom, longtime listener time. We appreciate you, Thanks much, 179 00:10:18.399 --> 00:10:22.960 thank you so much, Thank you, sir. We use your referral. 180 00:10:23.240 --> 00:10:25.919 Referral this whenever possible. As a matter of fact, we 181 00:10:26.080 --> 00:10:30.200 just had Dan McKenzie do up a nice will and trustful. 182 00:10:30.279 --> 00:10:33.759 He's a good guy McKenzie law by the way he's 183 00:10:33.840 --> 00:10:37.000 talking about and here's what I like about him. 184 00:10:37.200 --> 00:10:38.879 He knows what he's doing. 185 00:10:38.919 --> 00:10:41.679 But he gives you that personalized touch. I say that 186 00:10:41.720 --> 00:10:44.720 because a lot of people equate big giant firms with 187 00:10:44.879 --> 00:10:48.200 with the kind of service that's supposed to be really good. 188 00:10:48.240 --> 00:10:50.960 But he's one on one with you and he takes 189 00:10:50.960 --> 00:10:53.759 care of your your your estate. Now, did you have 190 00:10:53.799 --> 00:10:56.960 a simple estate or did you have a more complicated estate? 191 00:10:58.360 --> 00:11:01.480 I think I would consider it a simple estate. He 192 00:11:01.600 --> 00:11:05.720 did the revocable trust for me and my family, and 193 00:11:06.080 --> 00:11:09.639 after we we did it, my daughter when did the 194 00:11:09.679 --> 00:11:12.639 same thing. So with Mackenzie law. 195 00:11:13.200 --> 00:11:15.960 So they're just well, thank you, I thank you for 196 00:11:15.960 --> 00:11:19.399 for believing in them and for believing in my recommendations. 197 00:11:19.600 --> 00:11:21.120 By the way, just let let me just do this 198 00:11:21.159 --> 00:11:23.360 since we were talking about him. Uh A three three 199 00:11:23.399 --> 00:11:27.480 c plans. That's that, Dan mackenzie A three three co plans. 200 00:11:27.639 --> 00:11:30.679 So what brings you to our show today? You have 201 00:11:30.759 --> 00:11:31.919 a question on cremation. 202 00:11:33.480 --> 00:11:35.519 I do, sir, because you know it's kind of along 203 00:11:35.559 --> 00:11:40.480 the same law line as planning your will. And you 204 00:11:40.480 --> 00:11:45.200 don't have any funeral cremation recommendations on your referral list. 205 00:11:45.240 --> 00:11:48.120 And you're right, the one thing everybody, everybody's going to 206 00:11:48.200 --> 00:11:50.720 need that he should get somebody on there. 207 00:11:52.039 --> 00:11:54.480 No, you know what you're you're you're right. And and 208 00:11:55.279 --> 00:11:57.559 the referral list, the referral list. 209 00:11:57.440 --> 00:11:59.720 You know, tries to be tries to get as many 210 00:11:59.759 --> 00:12:04.200 cat goers as we can. We used to have funeral 211 00:12:04.279 --> 00:12:08.440 people on there with with cremation services. 212 00:12:09.440 --> 00:12:13.000 What are you looking to I don't like this word, 213 00:12:13.039 --> 00:12:15.879 but they call it pre plan are you looking to 214 00:12:15.960 --> 00:12:19.120 put together a plan now for the future or do 215 00:12:19.120 --> 00:12:20.360 you have an immediate need. 216 00:12:22.039 --> 00:12:25.559 No, we're planning for the future, Tom. And my question, 217 00:12:25.720 --> 00:12:28.919 sir is, we've been talking with some folks at a 218 00:12:28.919 --> 00:12:30.720 place called Neptune Society. 219 00:12:31.519 --> 00:12:33.960 And yes, uh huh, I've heard of them. 220 00:12:34.120 --> 00:12:34.559 Talk to you. 221 00:12:35.279 --> 00:12:38.679 Okay, we're going to meet with them either this week 222 00:12:38.759 --> 00:12:41.159 or next week, but I wanted to talk to you first. 223 00:12:41.519 --> 00:12:46.720 What they really propose is to you know, get obviously 224 00:12:46.799 --> 00:12:49.480 signed up with them and pre pay. 225 00:12:51.080 --> 00:12:53.799 And that's when I do not reckon. I do not 226 00:12:54.039 --> 00:12:54.720 recommend it. 227 00:12:54.879 --> 00:13:00.159 Although they have a good reputation, We've had too many 228 00:13:00.159 --> 00:13:06.120 people prepay for this kind of service, not just cremation, 229 00:13:06.799 --> 00:13:10.159 but for funerals and things like that. It's just, in 230 00:13:10.240 --> 00:13:13.480 my opinion, not a good idea. Now, there are some 231 00:13:14.080 --> 00:13:18.519 that are independent and they have insurance companies underwrite them, 232 00:13:18.919 --> 00:13:22.320 and they're more like you know, and and they're not bad. 233 00:13:22.679 --> 00:13:26.039 But when you are dealing with a local funeral home 234 00:13:26.679 --> 00:13:29.279 or a local operation, or even. 235 00:13:29.039 --> 00:13:30.279 One that has been bought up. 236 00:13:30.320 --> 00:13:32.559 Private equity, by the way, is buying up a lot 237 00:13:32.559 --> 00:13:35.840 of these a lot of these places, I just say 238 00:13:35.879 --> 00:13:37.000 it's it's risky. 239 00:13:37.399 --> 00:13:40.080 I would not prepay. I just wouldn't. 240 00:13:41.240 --> 00:13:44.360 Again, Unfortunately, a lot of them don't let you do 241 00:13:44.440 --> 00:13:47.200 the planning upfront unless you prepay. 242 00:13:47.519 --> 00:13:48.759 But here's what I think. 243 00:13:49.320 --> 00:13:53.039 I think a basic set of instructions on what you 244 00:13:53.159 --> 00:13:54.279 want done. 245 00:13:54.559 --> 00:13:57.879 I don't believe that you need. 246 00:13:57.679 --> 00:14:01.120 To have it all set up if you give a constructions. 247 00:14:01.519 --> 00:14:05.919 Because cremation is something that we get. We used to 248 00:14:06.000 --> 00:14:09.600 get a lot of complaints about okay, and the complaints 249 00:14:09.600 --> 00:14:12.360 we got first and foremost where how do I know? 250 00:14:12.440 --> 00:14:15.440 I get the ashes of the person. And by the way, 251 00:14:15.799 --> 00:14:19.720 just so you know, it's all based on trust. Now, 252 00:14:19.759 --> 00:14:22.720 there are people that have been around forever and even 253 00:14:22.759 --> 00:14:26.000 though they have been taken over by private equity or 254 00:14:26.000 --> 00:14:29.159 big firms consolidators, they're still good. And I'll tell you 255 00:14:29.600 --> 00:14:34.960 Haran and mcconnaty has has proven the test of time. 256 00:14:35.440 --> 00:14:38.720 Now you might want to call them Horan and their 257 00:14:38.759 --> 00:14:43.200 website is Haran Haraan Cares, h O r A and 258 00:14:43.600 --> 00:14:47.240 harancars dot com. The reason I talk about them is 259 00:14:47.279 --> 00:14:50.720 because they've been around for so long and I know 260 00:14:50.840 --> 00:14:57.120 John and it's just a good operation. Neptune Society is 261 00:14:57.240 --> 00:15:00.480 known for low pricing and all of that. They help 262 00:15:00.519 --> 00:15:02.960 with veterans and all of that, but you have to 263 00:15:03.000 --> 00:15:08.559 pay up front. Now, Haranu mcconnaday, McConaughey may have McConaughey, 264 00:15:08.639 --> 00:15:11.360 I'm sorry, they may have ones. 265 00:15:11.080 --> 00:15:12.039 That you have to pay. 266 00:15:12.519 --> 00:15:15.879 I would rather pay them than the Neptune Society. And 267 00:15:15.919 --> 00:15:21.039 I'm not saying anything's wrong with Neptune, but they're just now. Now, 268 00:15:21.080 --> 00:15:24.480 there is a very very no frills one that's been 269 00:15:24.519 --> 00:15:28.159 around in Denver that has really good ratings called. 270 00:15:28.000 --> 00:15:33.960 Kramer k R A m E R. Now Kramer. 271 00:15:35.159 --> 00:15:37.600 Is A has been around a long time and they're 272 00:15:37.639 --> 00:15:42.200 really good people. But uh, and then there's another one 273 00:15:42.240 --> 00:15:50.279 I know personally, Feldman Mortuary. Feldman Mortuary is a family 274 00:15:50.320 --> 00:15:51.240 owned and operated. 275 00:15:52.279 --> 00:15:53.279 They're good people. 276 00:15:53.720 --> 00:15:56.360 So if you had to pay Feldman, or you had 277 00:15:56.360 --> 00:16:01.240 to pay Herana McConaughey, I would not hesitate. Again, I'm 278 00:16:01.240 --> 00:16:04.559 not saying there's anything wrong with Neptune, but I just 279 00:16:04.600 --> 00:16:09.559 would not pay them up front. Enough said there Again, 280 00:16:10.039 --> 00:16:13.879 a lot of people think that pre and I shouldn't 281 00:16:13.879 --> 00:16:14.399 even call it. 282 00:16:14.360 --> 00:16:16.720 Pre planning because that's redundant. Pre planning. 283 00:16:16.960 --> 00:16:20.960 Planning is pre When you plan something like this, it's 284 00:16:21.080 --> 00:16:27.080 better to give direction and general steps that like I 285 00:16:27.200 --> 00:16:30.240 requested of cremation blah blah blah. 286 00:16:29.879 --> 00:16:31.840 Than to actually line it all. 287 00:16:31.759 --> 00:16:35.159 Up because these companies come and go, and it's like 288 00:16:35.320 --> 00:16:39.960 anything else. When you're locked into something, it's never it's 289 00:16:40.039 --> 00:16:42.679 never good, in my opinion, to be locked in. 290 00:16:42.799 --> 00:16:45.000 Where you must use a particular service. 291 00:16:45.440 --> 00:16:49.159 So I wouldn't lock anyone in with my estate plan 292 00:16:50.120 --> 00:16:53.559 as far as that goes. You bring up a good point, Andy, 293 00:16:54.039 --> 00:16:56.279 And I'm going to tell you something. A lot of 294 00:16:56.360 --> 00:17:00.519 people do the estate plan and leave all of that out. 295 00:17:00.799 --> 00:17:02.320 They don't think about that. 296 00:17:02.759 --> 00:17:06.160 And it really is important because people don't know what 297 00:17:06.200 --> 00:17:06.759 you want. 298 00:17:07.160 --> 00:17:09.920 People like, some people may not want a viewing. 299 00:17:10.200 --> 00:17:13.200 They may look at it as weird or barbaric or something. 300 00:17:13.400 --> 00:17:17.079 Other people want a viewing, and or some people want 301 00:17:17.119 --> 00:17:21.920 a simple memorial. And that's where you can designate who 302 00:17:22.000 --> 00:17:24.680 you want to speak at the memorial or who you 303 00:17:24.720 --> 00:17:30.160 want to do the service, and how much of a 304 00:17:30.240 --> 00:17:33.359 service you want. Now, what some people have done, Andy, 305 00:17:33.400 --> 00:17:36.240 and you might want to consider this. Some people have 306 00:17:36.319 --> 00:17:42.599 made a small trust account just for those services. 307 00:17:42.839 --> 00:17:45.000 So let's say you have a master trust. 308 00:17:45.240 --> 00:17:48.640 Within that trust, you can set aside a certain amount 309 00:17:48.680 --> 00:17:51.680 of money that you put in a CD right now, 310 00:17:52.079 --> 00:17:55.519 and that will pay for everything. But you're not paying 311 00:17:55.559 --> 00:17:59.119 a particular service, you're just putting the money away. 312 00:18:00.039 --> 00:18:03.480 Does that make sense, Yeah, that's great. 313 00:18:03.960 --> 00:18:07.559 Yeah, so it's paid for, so you're not paying any 314 00:18:07.599 --> 00:18:11.319 particular person. You're just putting the money aside and funding it. 315 00:18:11.839 --> 00:18:16.200 And it's specifically to be used for cremation or funeral 316 00:18:16.240 --> 00:18:21.200 services or all of those services. And many people with 317 00:18:21.279 --> 00:18:23.880 an estate plan do that for a lot of things. 318 00:18:23.920 --> 00:18:28.160 For example, they set aside legal fees, they set aside 319 00:18:29.039 --> 00:18:35.519 funeral arrangements, they set aside auction expenses if they're going 320 00:18:35.559 --> 00:18:37.160 to if they have a lot of stuff they need 321 00:18:37.240 --> 00:18:40.200 to be sold off. And for those listening, thank you 322 00:18:40.240 --> 00:18:42.319 Andy for calling. For those listening, I want to just 323 00:18:42.359 --> 00:18:45.200 say this, one of the biggest deals you can do 324 00:18:45.960 --> 00:18:50.000 is have as much spelled out as possible because people 325 00:18:50.119 --> 00:18:54.400 get very confused when it comes to estate planning. People 326 00:18:54.440 --> 00:18:58.480 get greedy, people get weird, and that's where you really 327 00:18:58.519 --> 00:19:03.640 have to make it very simple and simplicity is truly 328 00:19:03.680 --> 00:19:07.200 the secret here is not to get too complicated or 329 00:19:07.279 --> 00:19:13.279 put too many terms and conditions. And also it's okay 330 00:19:13.319 --> 00:19:16.559 to have more than one trustee. You can have a trustee, 331 00:19:16.559 --> 00:19:20.079 for example, that handles all of the real estate. If 332 00:19:20.119 --> 00:19:23.039 you were a real estate investor, let's say, and they 333 00:19:23.119 --> 00:19:25.559 know about real estate, but they don't have to be 334 00:19:25.680 --> 00:19:33.440 the trustee for everything. You can have an overall trustee, friend, associate, colleague, relative, 335 00:19:34.160 --> 00:19:37.119 and they can be your overall trustee. Then you can 336 00:19:37.160 --> 00:19:41.920 assign other trustees for segments of your estate. If you 337 00:19:42.000 --> 00:19:45.079 have a big complicated estate, you don't have to do 338 00:19:45.160 --> 00:19:49.799 everything under one personal representative. That's another thing people don't 339 00:19:49.799 --> 00:19:53.000 account for. Sometimes you may have a trustee that's wonderful, 340 00:19:53.200 --> 00:19:56.599 but that trustee knows nothing about maybe real estate, or 341 00:19:56.680 --> 00:20:02.559 knows nothing about your securities accounts, and speaking of investments, 342 00:20:02.960 --> 00:20:07.039 there are a few ways to transfer investments. Let's just 343 00:20:07.079 --> 00:20:11.599 say you have a Schwab account and other investments. Now, 344 00:20:12.279 --> 00:20:15.799 in my opinion, the best thing to do is to 345 00:20:15.920 --> 00:20:22.640 let the accounts be transferred and not necessarily liquidated when 346 00:20:22.680 --> 00:20:27.359 you want to liquidate and distribute. Sometimes you can take 347 00:20:27.480 --> 00:20:31.160 massive losses for your heirs, So I believe you should 348 00:20:31.200 --> 00:20:35.200 have a trustee for that part or a designate for 349 00:20:35.240 --> 00:20:38.440 that part of your estate plan where you can have 350 00:20:39.200 --> 00:20:43.880 that account transferred to your heirs as opposed to being 351 00:20:44.000 --> 00:20:47.480 liquidated and then possibly suffering losses. 352 00:20:47.839 --> 00:20:50.480 You can leave the choice up to the. 353 00:20:50.359 --> 00:20:53.680 Trusted person you put in charge of that area. Again, 354 00:20:54.880 --> 00:20:58.920 don't believe there is one way to do things. There 355 00:20:58.960 --> 00:21:01.680 are many ways to do things, and you are in 356 00:21:01.799 --> 00:21:04.960 complete control. That's what I love about McKenzie law. 357 00:21:05.240 --> 00:21:06.440 He's a good guy. 358 00:21:06.599 --> 00:21:09.920 And he sits down and talks to you about these 359 00:21:10.039 --> 00:21:14.519 practical ways of passing things on. It used to be 360 00:21:14.720 --> 00:21:16.680 everything's liquidated and passed on. 361 00:21:17.079 --> 00:21:18.119 That's a bad idea. 362 00:21:18.640 --> 00:21:23.039 Nowadays you want to look at each segment of investment 363 00:21:23.160 --> 00:21:26.880 or ownership and then do what's best in that realm. 364 00:21:27.079 --> 00:21:30.359 If liquidation is best, you do a liquidation. If passing 365 00:21:30.400 --> 00:21:33.920 on the account is best and having somebody babysit, then 366 00:21:33.960 --> 00:21:36.480 you do that. We have more coming up, and now 367 00:21:37.119 --> 00:21:39.240 we have Nancy on the line. We have other people 368 00:21:39.279 --> 00:21:41.880 on the line. If you have a problem, question or complain, 369 00:21:42.000 --> 00:21:44.039 give us a call and you can call three oh 370 00:21:44.079 --> 00:21:46.880 three Martino. That works twenty four to seven three O 371 00:21:47.039 --> 00:21:55.440 three six two seven eight four sixty six. Hi Tom 372 00:21:55.480 --> 00:21:58.440 Martino here, welcome three oh three seven one three talk 373 00:21:58.839 --> 00:22:02.519 also three three Artino. Remember you can call that anytime, 374 00:22:02.559 --> 00:22:05.640 day or night and we'll line you up for the show. 375 00:22:06.359 --> 00:22:09.279 Nancy called a couple of weeks ago and she was 376 00:22:10.160 --> 00:22:14.039 she was really upset with her place with the housing authority. 377 00:22:14.079 --> 00:22:17.960 I believe it was. Yeah, it was the twenty nine, 378 00:22:18.039 --> 00:22:21.000 thank you very much. And she lives in Sterling Housing 379 00:22:21.039 --> 00:22:24.559 Authority for eight years. In December of twenty four, just 380 00:22:24.559 --> 00:22:30.000 a few months ago, sewer backups occurred rendered her bathroom unusual. 381 00:22:30.119 --> 00:22:34.079 They moved her to another apartment and she is afraid 382 00:22:34.400 --> 00:22:39.160 that new apartment is now cross contaminated. And at some point, Nancy, 383 00:22:40.519 --> 00:22:43.000 we got to figure out is this in your head 384 00:22:43.119 --> 00:22:44.359 or is this in your apartment? 385 00:22:45.599 --> 00:22:47.559 Deputy Doc, I asked you to take. 386 00:22:49.079 --> 00:22:53.400 Go ahead. They they did. Just last week. They had 387 00:22:53.640 --> 00:22:56.240 a guy that just deals directly with molds. Because I 388 00:22:56.400 --> 00:23:00.000 put a demand for them to do that, he did swapcast. 389 00:23:00.000 --> 00:23:02.720 Told him where I get most affected, and he did 390 00:23:02.720 --> 00:23:05.880 the swap test. And so they give me a letter 391 00:23:06.319 --> 00:23:09.000 stating that he'll be back today. Well, apparently that must 392 00:23:09.079 --> 00:23:11.160 mean that the swap test is that he took that 393 00:23:11.559 --> 00:23:13.000 came up with something, because he's going to have to 394 00:23:13.000 --> 00:23:15.920 treat it now. Okay, So what they're gonna do is 395 00:23:15.920 --> 00:23:17.720 that they're not going to give you the court because 396 00:23:17.799 --> 00:23:20.240 they don't have to, of course. But what I did 397 00:23:20.319 --> 00:23:22.839 is I have my friend put on bluffs and goggles 398 00:23:22.839 --> 00:23:25.559 and all that kind of stuff and pick samples from 399 00:23:25.559 --> 00:23:27.960 everywhere that I felt sick. What I need help with 400 00:23:28.319 --> 00:23:30.039 is testing my own because what they're going to try 401 00:23:30.079 --> 00:23:31.839 to do is cover it up and not tell me 402 00:23:31.880 --> 00:23:32.680 anything of their phone. 403 00:23:32.920 --> 00:23:34.400 Okay, Nancy, I understand. 404 00:23:34.599 --> 00:23:36.839 You want to do your own Nancy, you want to 405 00:23:36.880 --> 00:23:37.839 do your own testing. 406 00:23:38.039 --> 00:23:38.680 I understand. 407 00:23:40.480 --> 00:23:44.000 Now what I want to know is, Doc, did you 408 00:23:44.079 --> 00:23:45.079 look into this at all? 409 00:23:45.279 --> 00:23:47.440 I've had several conversations with Nancy. 410 00:23:47.960 --> 00:23:52.359 The last one was on Friday, when what about with management? 411 00:23:52.400 --> 00:23:54.000 Doc? Just to see what they think? 412 00:23:55.119 --> 00:23:57.319 I called out. I didn't get a response back. 413 00:23:57.799 --> 00:24:00.000 But the last time I spoke to Nancy on front, 414 00:24:00.839 --> 00:24:03.680 she said that they were in fact having workmen come 415 00:24:04.160 --> 00:24:06.720 to fix some of the problems in her apartment, and 416 00:24:06.839 --> 00:24:08.839 she was going to get back to me and let 417 00:24:08.880 --> 00:24:11.720 me know one if they came and to what they did. 418 00:24:13.440 --> 00:24:17.480 Okay, So Nancy, I need to need some quick answers 419 00:24:17.519 --> 00:24:20.519 here without stories. I want to ask you, did they 420 00:24:20.599 --> 00:24:23.480 do any work at all in the new apartment? 421 00:24:23.880 --> 00:24:25.480 In this apartment you're in right now. 422 00:24:27.240 --> 00:24:30.279 They had well one contract tractor come in that did 423 00:24:30.440 --> 00:24:33.640 find mold, and when he did, they tore off the 424 00:24:33.839 --> 00:24:37.359 drywall in the front room. And this was April twenty first, 425 00:24:37.799 --> 00:24:41.039 and the wall is still exposed, so it's okay. 426 00:24:41.200 --> 00:24:43.160 Still okay, they have. 427 00:24:43.119 --> 00:24:46.160 Not fixed that, and have they done it? 428 00:24:46.200 --> 00:24:46.640 But they did? 429 00:24:47.359 --> 00:24:51.440 Yeah, okay, so they did do their own testing. They 430 00:24:51.480 --> 00:24:53.559 did do their own testing, and you're not sure you 431 00:24:53.599 --> 00:24:55.720 can trust it, So you want to know where you 432 00:24:55.759 --> 00:24:57.359 can get your own testing done? Right? 433 00:24:57.480 --> 00:24:57.599 Oh? 434 00:24:57.680 --> 00:25:00.000 No, I know I can trust it because the contract 435 00:25:00.039 --> 00:25:01.839 you called me and left me a voicemail stating that 436 00:25:01.880 --> 00:25:04.920 he did find mold. He left this on my voicemail, 437 00:25:05.319 --> 00:25:05.920 so I have that. 438 00:25:06.480 --> 00:25:10.319 But but didn't you just tell me? Yeah, they didn't. 439 00:25:10.319 --> 00:25:12.200 You just tell me you wanted to do your own 440 00:25:12.240 --> 00:25:13.920 testing contact. 441 00:25:13.880 --> 00:25:16.359 Yet, But I told them. I gave them the demand 442 00:25:16.359 --> 00:25:19.839 that are stating I want an outside company, an incredible company, 443 00:25:19.880 --> 00:25:21.880 to come and check directly from old again. 444 00:25:22.000 --> 00:25:22.559 And so they did. 445 00:25:22.640 --> 00:25:23.160 They did up. 446 00:25:23.200 --> 00:25:26.119 They came out Thursday last week, his finding work and 447 00:25:26.160 --> 00:25:29.240 apparently there's something here again because he's coming today to 448 00:25:29.319 --> 00:25:32.160 treat it. So that must mean there's still mold here. 449 00:25:32.759 --> 00:25:35.519 There's something still here because the moisture that comes in 450 00:25:35.559 --> 00:25:38.319 my wall is still exposed, so that all the moisture 451 00:25:38.359 --> 00:25:40.799 keeps coming in. You tested the wall, It's like it's 452 00:25:40.799 --> 00:25:41.559 like a sponge. 453 00:25:41.799 --> 00:25:46.480 It's soaked, really really, so you do ye so you 454 00:25:46.559 --> 00:25:48.880 can feel the more you I mean it really. 455 00:25:50.279 --> 00:25:50.359 So. 456 00:25:50.680 --> 00:25:54.240 It's coming from the outside. It comes down the wall. 457 00:25:54.319 --> 00:25:56.559 And where does it come in? Where does it come 458 00:25:56.599 --> 00:25:57.519 into your apartment? 459 00:25:58.440 --> 00:26:02.559 The whole north side of the whole wall from yeah. 460 00:26:02.359 --> 00:26:04.960 But where is it coming around? Is it coming in 461 00:26:05.000 --> 00:26:06.000 from the windows? 462 00:26:06.640 --> 00:26:08.880 Nancy? Is it coming in through the windows? 463 00:26:09.279 --> 00:26:10.079 Windows and walls? 464 00:26:10.279 --> 00:26:12.000 Okay, a flooring? 465 00:26:12.359 --> 00:26:15.839 Okay, and tell me they put the wall. 466 00:26:16.119 --> 00:26:18.200 Have you ever You're gone at twelve o'clock at night 467 00:26:18.240 --> 00:26:20.160 till one o'clock in the morning. And that causes more 468 00:26:20.599 --> 00:26:24.440 more shirt Right away, I started getting sick. 469 00:26:24.519 --> 00:26:27.759 I can't breathe. I feel it. Do they have any 470 00:26:28.480 --> 00:26:30.799 Do they have any apartments that are not on the 471 00:26:30.839 --> 00:26:31.519 ground floor? 472 00:26:33.279 --> 00:26:36.279 They have two buildings? Yes, they're the're high rise building. 473 00:26:36.359 --> 00:26:36.759 Yes they do. 474 00:26:36.920 --> 00:26:37.279 Yes. 475 00:26:38.440 --> 00:26:40.440 Do you think that might help you if you were 476 00:26:40.440 --> 00:26:42.559 not on the ground floor? Maybe if you were up 477 00:26:42.640 --> 00:26:44.359 higher then you wouldn't have to work. 478 00:26:44.400 --> 00:26:45.119 I have to table. 479 00:26:45.640 --> 00:26:48.319 I'm disabled, Tom, I can't. I can't you see that? Well, 480 00:26:48.519 --> 00:26:51.480 this contributed to me not being able to see hard anything, 481 00:26:52.279 --> 00:26:54.960 just the hair. I have to take strong beds. I've 482 00:26:54.960 --> 00:26:58.279 seeing all kinds of just a specialists, which is awesome 483 00:26:58.279 --> 00:27:00.279 that that you see how this helped me so much 484 00:27:00.319 --> 00:27:01.519 to get into putting. 485 00:27:01.559 --> 00:27:06.039 Nancy? What is Nancy? What? What are your current diagnoses? 486 00:27:06.160 --> 00:27:08.480 Right now? Tell me? Tell me what's wrong with you 487 00:27:08.559 --> 00:27:10.359 right now right now? 488 00:27:11.279 --> 00:27:16.119 Either diiorating, they're failing that they might have to do 489 00:27:16.400 --> 00:27:19.440 corneal surgery on of them. And then I have an 490 00:27:19.480 --> 00:27:23.000 autoimmune disease that I've contributed now that my body's fighting itself, 491 00:27:23.440 --> 00:27:24.279 attacking itself. 492 00:27:24.799 --> 00:27:28.200 Okay, okay, yeah, how long how long have you been 493 00:27:28.240 --> 00:27:29.240 just Nancy? 494 00:27:29.519 --> 00:27:34.000 How long have you been disabled only? With vision only? 495 00:27:34.039 --> 00:27:39.200 With vision for for for for probably seven years, for 496 00:27:39.400 --> 00:27:41.519 vision only, none of this other stuff? 497 00:27:41.559 --> 00:27:44.480 I get it. When did the other stuff start? 498 00:27:44.640 --> 00:27:44.880 Well? 499 00:27:45.000 --> 00:27:47.279 I was able to talk, I was able to breathe. 500 00:27:48.680 --> 00:27:53.240 Anybody that knows me, but Nancy, Nancy, Nancy, Nancy. 501 00:27:53.359 --> 00:27:55.160 I want you to listen for just a minute here, 502 00:27:55.279 --> 00:28:01.119 just listen. You know, mold exposure, Nancy. I don't think 503 00:28:01.160 --> 00:28:04.759 all of these problems are coming from that limited mold 504 00:28:04.799 --> 00:28:10.480 exposure you've had in that apartment. I think you're looking 505 00:28:10.519 --> 00:28:14.920 for a reason for these problems, and I'm just telling 506 00:28:14.960 --> 00:28:15.599 you that mold. 507 00:28:16.079 --> 00:28:20.759 Mold can give you some problems. But I just think 508 00:28:20.799 --> 00:28:25.240 that in your search for answers, you're latching onto this 509 00:28:25.359 --> 00:28:29.480 mold and you're saying this mold is causing everything, and 510 00:28:29.640 --> 00:28:31.920 I don't think it is. I mean, I think you 511 00:28:32.039 --> 00:28:33.079 might be having. 512 00:28:32.839 --> 00:28:37.039 Some problems for mold, but the effects of mold exposure 513 00:28:37.119 --> 00:28:41.880 are so exaggerated with people because they're so afraid or 514 00:28:41.920 --> 00:28:44.359 they're looking for I'm just going to say it like 515 00:28:44.400 --> 00:28:46.640 it is okay. Now this is not against you, Nancy, 516 00:28:46.839 --> 00:28:48.559 but let me just say it like it is okay, 517 00:28:49.000 --> 00:28:50.480 and put Nancy on hold. 518 00:28:50.519 --> 00:28:51.599 And what I'm going to do is. 519 00:28:51.519 --> 00:28:55.640 Have Deputy Dot call management and just see what they 520 00:28:55.720 --> 00:28:58.720 think about this situation. And if you don't get an answer, 521 00:28:58.880 --> 00:29:01.119 just keep calling back. I mean, let's get it. Let's 522 00:29:01.160 --> 00:29:03.640 get these damn people on the phone to give us 523 00:29:03.680 --> 00:29:05.039 at least an answer. 524 00:29:05.240 --> 00:29:07.599 Do they know the problem? What do they plan on doing? 525 00:29:07.880 --> 00:29:10.519 But I want to say something coming back on this 526 00:29:10.640 --> 00:29:13.839 mold issue, and it goes across to other issues as well. 527 00:29:14.079 --> 00:29:17.200 And really and truly I'm going to unload and I'm 528 00:29:17.200 --> 00:29:19.799 going back through my notes, so just stay tuned. 529 00:29:19.799 --> 00:29:20.799 We got more coming up. 530 00:29:25.759 --> 00:29:28.400 Tom Ortino, you're a troubleshooter. Three oh three seven to 531 00:29:28.440 --> 00:29:31.920 one three talk seven one three eight two five five. Okay, 532 00:29:32.000 --> 00:29:34.240 let me just say this and then I'm gonna I'll 533 00:29:34.240 --> 00:29:35.559 take your other calls as well. 534 00:29:35.599 --> 00:29:38.759 But ah, this is important. 535 00:29:39.599 --> 00:29:46.759 Whether it be mold, radon, asbestos, or other problems. There 536 00:29:46.799 --> 00:29:49.599 are certain people I'm just I'm not going to couch 537 00:29:49.680 --> 00:29:52.079 my words. I'm just gonna say it. There are certain 538 00:29:52.160 --> 00:29:55.680 people that are They're nuts, Okay. They have problems that 539 00:29:55.799 --> 00:29:59.519 can't be pinpointed. They have chronic fatigue, they have aches 540 00:29:59.559 --> 00:30:06.079 and pain, they have jittery nervousness, respiratory problems, autoimmune problems. 541 00:30:06.359 --> 00:30:11.759 They are symptoms in search of a diagnosis. That's what 542 00:30:11.839 --> 00:30:16.480 they are. And their whole life is unbearable to them 543 00:30:17.039 --> 00:30:20.880 because of these so called disabilities. And what I believe 544 00:30:21.000 --> 00:30:26.559 is people latch onto these as an excuse to be disabled, 545 00:30:27.039 --> 00:30:32.119 as an excuse not to live, as an excuse to 546 00:30:32.279 --> 00:30:35.680 sit back and let others take care of them, or 547 00:30:35.799 --> 00:30:39.519 attempt to get disability and other things. They are looking 548 00:30:39.640 --> 00:30:43.759 for a reason. Okay, now I am not saying these 549 00:30:43.880 --> 00:30:49.079 people are not ill or that these symptoms are not real. 550 00:30:49.960 --> 00:30:54.400 But what they're doing is they're hoping to find a 551 00:30:54.519 --> 00:30:57.960 reason for them so they can say, see I have 552 00:30:58.079 --> 00:31:01.880 mold poisoning, or see Raydon is doing this for me, 553 00:31:02.279 --> 00:31:05.839 or to me, asbestos is doing this. But all of 554 00:31:05.839 --> 00:31:11.000 these things usually take long term, heavy, heavy heavy exposure 555 00:31:11.559 --> 00:31:15.799 to have symptoms and to have diagnoses. But people are 556 00:31:15.839 --> 00:31:18.839 looking for a reason to be a dead beat. I 557 00:31:18.880 --> 00:31:21.039 don't know how else to put it. They're looking for 558 00:31:21.079 --> 00:31:23.880 a reason to be a dead beat. Now my heart 559 00:31:23.920 --> 00:31:26.920 goes out to them, because much of it is mental 560 00:31:26.960 --> 00:31:32.359 illness or emotional instability. And God forbid, they get into 561 00:31:32.359 --> 00:31:35.680 an apartment and see some mold, then every problem they've 562 00:31:35.720 --> 00:31:38.039 ever had is going to be tied to that mold 563 00:31:39.279 --> 00:31:44.559 or that asbestos or whatever. People are looking for an 564 00:31:44.559 --> 00:31:47.640 excuse to check. 565 00:31:47.440 --> 00:31:50.440 Out of life. They just check out. 566 00:31:51.119 --> 00:31:54.319 They don't want to work, they want people taking care 567 00:31:54.359 --> 00:31:58.359 of them, They want some kind of an income, They 568 00:31:58.440 --> 00:32:00.039 want to be. 569 00:32:01.480 --> 00:32:01.960 Cared for. 570 00:32:02.920 --> 00:32:09.160 They want everyone to cowtow to their disability, and they 571 00:32:09.200 --> 00:32:13.240 start blaming people, and they look for reasons why they 572 00:32:13.240 --> 00:32:17.599 don't feel good, or why they feel disabled, or why 573 00:32:17.640 --> 00:32:24.119 they feel weak. Look, there are people who do have problems, 574 00:32:24.799 --> 00:32:28.960 but many of them stem emotionally and they're tied to 575 00:32:29.000 --> 00:32:32.640 some event in their life or something that's not going 576 00:32:32.680 --> 00:32:36.960 well in their life. Then they start feeling bad, they 577 00:32:37.000 --> 00:32:40.279 start feeling they get maybe headaches or aches and pains, 578 00:32:40.559 --> 00:32:42.960 they don't want to get out of bed, they start 579 00:32:43.000 --> 00:32:48.400 feeling sick, and then they go and hunt for the 580 00:32:48.480 --> 00:32:52.759 reason for the excuse. And people love when they can 581 00:32:52.799 --> 00:32:55.960 find an excuse. Over the years, we have had people 582 00:32:56.000 --> 00:32:58.960 call this show and they've even gone so far as 583 00:32:59.039 --> 00:33:02.640 to research on the internet what disease they have, and 584 00:33:02.680 --> 00:33:05.319 then they set out to find a healthcare provider to 585 00:33:05.440 --> 00:33:09.599 treat that disease. And trust me, you will find a 586 00:33:09.640 --> 00:33:13.000 provider to help you with something if it means taking 587 00:33:13.079 --> 00:33:16.400 money for it. It's just a shame that some people 588 00:33:16.440 --> 00:33:19.119 are checking out of life, and we hear from a 589 00:33:19.119 --> 00:33:20.839 lot of them more coming up. 590 00:33:25.759 --> 00:33:38.240 Yeah, ripped of need advice when you don't have, come 591 00:33:38.440 --> 00:33:44.319 running to susas as we can. Shooter's gonna help coming. 592 00:33:45.160 --> 00:33:47.279 Dix is the Troubleshooter Show. 593 00:33:47.960 --> 00:33:53.400 No Tom Martino, Hey, Tom Martino, here, Welcome to the show. 594 00:33:53.480 --> 00:33:56.559 Three oh three seven one three talk seven one three 595 00:33:56.759 --> 00:33:59.440 eight two five five here to help you solve problems. 596 00:33:59.440 --> 00:34:02.200 Answer question has taken place. Now listen, I got a 597 00:34:02.319 --> 00:34:03.960 question here and it really brought up a good. 598 00:34:03.880 --> 00:34:08.320 Point, and that is upside. Have you heard of the 599 00:34:08.400 --> 00:34:09.039 upside app? 600 00:34:09.239 --> 00:34:14.320 There are a lot of apps that apparently have affiliations 601 00:34:14.760 --> 00:34:17.840 with gas stations and supermarkets and all of that, and 602 00:34:17.960 --> 00:34:22.159 they promise cash back when you use the app. And 603 00:34:22.280 --> 00:34:27.800 when you think about it, why is that. Well, these 604 00:34:28.840 --> 00:34:34.840 apps work in a certain way. They promise a business 605 00:34:34.960 --> 00:34:39.000 to bring them business. Now we have Excel roofing with us, 606 00:34:39.559 --> 00:34:43.480 and the reason I'm bringing them into this discussion it's 607 00:34:43.599 --> 00:34:48.599 very simple. Businesses have what's called the cost of acquisition 608 00:34:49.360 --> 00:34:54.280 for customers. Every business in the world knows how much 609 00:34:54.360 --> 00:35:00.360 it costs them to bring a business to them, or 610 00:35:00.800 --> 00:35:01.960 to bring a customer to them. 611 00:35:02.719 --> 00:35:04.920 Every lead, right, Yeah, if it's a good business and 612 00:35:04.920 --> 00:35:08.239 they're tracking their numbers, yeah, very important. 613 00:35:08.480 --> 00:35:09.360 It's very important. 614 00:35:09.599 --> 00:35:13.800 So in other words, let's just say a business calculates 615 00:35:14.119 --> 00:35:18.519 and for every closed lead that they bring to the 616 00:35:18.599 --> 00:35:22.199 business closed not just a lead, but someone who becomes 617 00:35:22.239 --> 00:35:26.559 a customer. So you have advertising, You have all kinds 618 00:35:26.559 --> 00:35:28.199 of fees you pay all. 619 00:35:28.159 --> 00:35:30.280 Over the place, So you add them all up. Okay, 620 00:35:30.559 --> 00:35:31.440 you add them all up. 621 00:35:31.920 --> 00:35:34.280 Then you divide for a period of time like a 622 00:35:34.320 --> 00:35:37.000 thirty day period or a sixty day or ninety day 623 00:35:37.039 --> 00:35:40.119 when you track and then you track this period of 624 00:35:40.239 --> 00:35:44.199 time and you divide it by the number of closed 625 00:35:44.679 --> 00:35:48.840 leads or customers, not just the people call but actual customers. 626 00:35:49.480 --> 00:35:53.360 And what you come up with is a cost per 627 00:35:53.559 --> 00:35:58.840 acquisition or some people call it different things. So they 628 00:35:59.000 --> 00:36:03.880 know for every customer that signs a contract, it costs 629 00:36:03.920 --> 00:36:07.840 them x amount of dollars. And again that's proprietary. So 630 00:36:07.880 --> 00:36:10.639 I'm not going to ask necessarily what that is. Some 631 00:36:10.800 --> 00:36:13.760 people voluntarily say if they want to, but it is 632 00:36:14.000 --> 00:36:17.920 somewhat proprietary. For example, Henry, if you have a really 633 00:36:18.000 --> 00:36:20.480 good way of doing social media and you get a 634 00:36:20.519 --> 00:36:23.079 lot of free publicity, or you have ways of doing 635 00:36:23.559 --> 00:36:26.440 other things, your cost per lead might be way lower 636 00:36:26.519 --> 00:36:30.559 than another company, and that's proprietary on how you do it. 637 00:36:31.079 --> 00:36:35.400 Some people pay for everything, every mention, everything, and their 638 00:36:35.480 --> 00:36:39.920 cost per acquisition is higher. So when they have this 639 00:36:40.119 --> 00:36:45.559 cost per acquisition, they know that if you brought them 640 00:36:45.920 --> 00:36:50.000 a customer. Let's say you're a friend and you have 641 00:36:50.159 --> 00:36:54.000 a friend who needs a roof. So let's just say Henry's. 642 00:36:54.119 --> 00:36:57.280 And by the way, I'm making all this up as 643 00:36:57.320 --> 00:36:59.880 far as the numbers go. But let's say a cost 644 00:37:00.119 --> 00:37:06.079 per customer for Excel roofing is X amount of dollars. 645 00:37:06.159 --> 00:37:08.400 Pick a number, two hundred and fifty bucks. Let's just 646 00:37:08.480 --> 00:37:10.679 say it could be more or less. Let's just say 647 00:37:10.719 --> 00:37:14.400 this or company ABC. They spend two hundred and fifty 648 00:37:14.440 --> 00:37:18.039 dollars for every signed contract. So if I met with 649 00:37:18.159 --> 00:37:20.519 the owner and I say, hey, Henry, I have someone 650 00:37:20.559 --> 00:37:22.679 who wants to do a roof and they're waiting for 651 00:37:22.800 --> 00:37:26.760 my recommendation, and he knows it's going to cost him 652 00:37:26.760 --> 00:37:29.280 two fifty to get a customer, he might say, hey, 653 00:37:29.360 --> 00:37:31.159 you know, Tom, I'll toss you one hundred bucks for 654 00:37:31.239 --> 00:37:33.159 that lead if they're ready to sign. 655 00:37:34.679 --> 00:37:39.199 So that's cost for acquisition. And when you know the 656 00:37:39.320 --> 00:37:41.000 cost per acquisition. 657 00:37:40.920 --> 00:37:44.000 You're willing to pay that for a customer because you're 658 00:37:44.039 --> 00:37:46.960 going to pay it anyway, or you're willing to pay 659 00:37:47.119 --> 00:37:48.679 less than that for sure. 660 00:37:49.559 --> 00:37:54.000 So with the upside app or any kind of an 661 00:37:54.000 --> 00:37:54.639 app like that. 662 00:37:55.519 --> 00:37:58.360 What they're doing is they're saying to a business, we 663 00:37:58.480 --> 00:38:02.400 don't want any money from you except for the customers 664 00:38:02.800 --> 00:38:06.199 we deliver to you. And here's what we're gonna do 665 00:38:06.880 --> 00:38:10.519 to prove that we're delivering the customer to you. 666 00:38:11.119 --> 00:38:15.360 We're gonna make them use our app. So for every. 667 00:38:15.320 --> 00:38:20.840 Customer that buys gas from you, using our app, you 668 00:38:21.039 --> 00:38:24.400 can give us your cost for lead instead of giving 669 00:38:24.480 --> 00:38:32.280 it to Facebook or Instagram or some kind of advertisement. 670 00:38:32.480 --> 00:38:36.639 It's essentially a lead gen company that's crediting the customer back. 671 00:38:37.079 --> 00:38:38.719 Yeah, it's a lead generation company. 672 00:38:38.840 --> 00:38:42.440 So as as you just said, so for example, let's 673 00:38:42.440 --> 00:38:46.440 say a customer, Let's say it costs them for every 674 00:38:46.960 --> 00:38:49.840 customer that comes and buys gas, Let's say it costs 675 00:38:49.920 --> 00:38:52.400 them ten bucks. I don't know if it does, but 676 00:38:52.519 --> 00:38:54.960 let's just say there is a cost no matter what, 677 00:38:55.119 --> 00:38:58.920 to every customer on every business everywhere. Even people will say, 678 00:38:58.920 --> 00:39:00.480 oh I just go buy word amount. 679 00:39:01.320 --> 00:39:03.800 Trust me. There's a cost per lead and a cost 680 00:39:03.880 --> 00:39:04.519 per customer. 681 00:39:04.719 --> 00:39:07.800 Those are two different things. A cost per lead is 682 00:39:07.840 --> 00:39:11.000 someone who just calls or googles you. The cost per 683 00:39:11.119 --> 00:39:14.559 customers when they become a customer like many times, like 684 00:39:14.679 --> 00:39:19.239 for me, for example, I bring leads. I deliver leads 685 00:39:19.280 --> 00:39:21.880 to companies, but it's up to them to close that lead. 686 00:39:22.239 --> 00:39:25.639 It's up to them to make that a customer. I 687 00:39:25.760 --> 00:39:31.280 can't make them a customer. So here's the deal upside app. 688 00:39:31.960 --> 00:39:35.639 Let's say delivers one hundred customers and they get five 689 00:39:35.719 --> 00:39:40.559 dollars per customer. Then that customer a dollar for using 690 00:39:40.639 --> 00:39:43.400 the app. So every time they get a gallon of 691 00:39:43.519 --> 00:39:45.880 gas or fill up, they get a dollar, or they 692 00:39:45.920 --> 00:39:49.400 get two dollars or three dollars whatever. So, as Henry said, 693 00:39:49.719 --> 00:39:55.239 they are sharing that finder's fee with the customer themselves. 694 00:39:55.719 --> 00:39:58.519 You could literally go to a place and say, listen, 695 00:39:59.159 --> 00:40:01.760 I want to do a roof and I know that 696 00:40:01.920 --> 00:40:04.639 you pay so much per lead, can I get a discount? 697 00:40:05.360 --> 00:40:09.559 I mean, it's really weird to put it in terms 698 00:40:09.679 --> 00:40:14.599 like that, but that's how leads work. Every single business 699 00:40:15.719 --> 00:40:21.239 pays for every lead. They also pay for every signed customer. 700 00:40:22.519 --> 00:40:27.199 Now that's for a retail business doing business with consumers. 701 00:40:27.840 --> 00:40:29.800 But what about business to business. 702 00:40:30.119 --> 00:40:34.800 Well, Dmitri does a business to business thing, and Dmitri, yeah, 703 00:40:35.199 --> 00:40:38.000 I don't know how you assign a cost for customer 704 00:40:38.719 --> 00:40:44.559 because it's your time, you're driving around. You really can't advertise, Hey, 705 00:40:44.760 --> 00:40:50.920 mister in a warehouse who generates cardboard waste, we can 706 00:40:51.079 --> 00:40:53.480 take that cardboard waste from you and pay you for it. 707 00:40:54.119 --> 00:40:55.280 How do you advertise that? 708 00:40:55.960 --> 00:40:58.960 You know, I really haven't found an effective way of advertising, 709 00:40:59.320 --> 00:41:02.199 because you know, my target market is so tiny. It's 710 00:41:03.039 --> 00:41:05.719 literally just it's not just that, it's even more narrow 711 00:41:05.800 --> 00:41:08.880 than that. It's literally like the operations manager at a 712 00:41:08.960 --> 00:41:13.039 production facility or a distribution center. I mean, my potential 713 00:41:13.119 --> 00:41:15.719 customers number only a few hundred in the entire state. 714 00:41:16.199 --> 00:41:18.079 So what works best for me is direct mail. 715 00:41:18.920 --> 00:41:22.559 One of these dollars for you mail, You do have 716 00:41:22.639 --> 00:41:25.760 a cost per customer A propect clearly low if I 717 00:41:25.800 --> 00:41:26.360 don't count my. 718 00:41:26.480 --> 00:41:29.000 Time, right, So but you got to count your time. 719 00:41:29.079 --> 00:41:31.039 So if you count your time because you have to 720 00:41:31.119 --> 00:41:33.599 go and you you have to go close here. 721 00:41:33.719 --> 00:41:37.800 Yeah, I do everything from prospecting in person to interviewing 722 00:41:37.880 --> 00:41:40.800 the potential prospect. I don't come back present a proposal 723 00:41:40.880 --> 00:41:42.840 and then I come back to try to close the deal. 724 00:41:43.480 --> 00:41:45.760 So it's literally just my time. I don't have any 725 00:41:45.840 --> 00:41:48.559 salespeople because I've never found direct mails. 726 00:41:49.119 --> 00:41:50.440 My direct mail is pretty cheap. 727 00:41:50.440 --> 00:41:53.000 It cost me between a dollar and a dollar fifty 728 00:41:53.079 --> 00:41:54.800 to send out first class letters. 729 00:41:55.239 --> 00:41:58.599 Right, but but if you have to send out a 730 00:41:58.719 --> 00:42:01.360 thousand of them before you get a customer, and that's 731 00:42:01.440 --> 00:42:02.480 your cost per customer. 732 00:42:02.599 --> 00:42:04.559 Yeah, basically every one hundred prospects. 733 00:42:04.679 --> 00:42:08.360 Right, For every thousand letters that I send out, I 734 00:42:08.519 --> 00:42:10.760 acquire about two customers. 735 00:42:11.079 --> 00:42:13.880 Wow, so it really so there is a cost there. 736 00:42:14.000 --> 00:42:16.599 So like it's over five hundred dollars per customer, but. 737 00:42:16.760 --> 00:42:20.320 That customer becomes a customer for life hopefully. Oh yeah, 738 00:42:20.400 --> 00:42:23.280 for many many years. And uh and these are relatively 739 00:42:23.400 --> 00:42:24.239 problem Let's say. 740 00:42:24.119 --> 00:42:26.159 Your costs for customers five hundred bucks. 741 00:42:26.239 --> 00:42:29.960 That's about let's just say so for assigned customer that 742 00:42:30.400 --> 00:42:34.559 that lets you recycle their cardboard, and they actually get 743 00:42:34.599 --> 00:42:35.039 paid for that. 744 00:42:35.119 --> 00:42:36.639 By the way, so if you're listening, we'll give you 745 00:42:36.719 --> 00:42:37.320 his information. 746 00:42:37.440 --> 00:42:41.159 But what he does is he recycles your cardboard and 747 00:42:41.320 --> 00:42:43.719 pays you for the cardboard he takes away, so you 748 00:42:43.800 --> 00:42:44.480 get rid of your. 749 00:42:44.400 --> 00:42:45.400 Waist, plus you get paid. 750 00:42:45.480 --> 00:42:48.800 Now, if it costs you five hundred dollars, and a 751 00:42:48.880 --> 00:42:53.079 company comes to you and says, Dimitri, we're going to deliver. 752 00:42:52.920 --> 00:42:54.920 Customers to you with our app. 753 00:42:55.760 --> 00:42:59.239 All we ask is that you pay us two hundred 754 00:42:59.239 --> 00:43:02.719 dollars for every customer gladly right, Okay, so. 755 00:43:03.280 --> 00:43:05.880 You pay two hundred to them and then they can 756 00:43:06.039 --> 00:43:07.159 then decide what to. 757 00:43:07.199 --> 00:43:09.800 Do with that two hundred dollars. And that's what Upside's doing. 758 00:43:10.159 --> 00:43:13.800 Upside is saying to these gas stations, we're going to 759 00:43:14.079 --> 00:43:15.760 deliver customers to you, and we're. 760 00:43:15.599 --> 00:43:16.159 Going to prove it. 761 00:43:16.480 --> 00:43:19.400 They're going to use the app, and when they use 762 00:43:19.519 --> 00:43:22.519 the app and they come to you, you're going to 763 00:43:22.559 --> 00:43:24.920 give us a finder's fee, and then they split that 764 00:43:25.039 --> 00:43:27.719 finder's fee with the customer. And so that's how the 765 00:43:27.840 --> 00:43:30.880 customer gets money every time they fill up their tank. 766 00:43:31.480 --> 00:43:34.000 And it really works. So no, it's not a scam. 767 00:43:34.360 --> 00:43:37.239 It really does work. Somebody asks, how do they work? 768 00:43:37.599 --> 00:43:41.639 You know, do they really work? And yes it is, Yes, 769 00:43:41.719 --> 00:43:45.320 it is real and it does work. Now three oh 770 00:43:45.400 --> 00:43:47.440 three seven one three talk is our number seven one 771 00:43:47.440 --> 00:43:49.880 three eight two five five. If you have any interesting 772 00:43:50.360 --> 00:43:52.679 things to talk about, give us a call, because this 773 00:43:52.880 --> 00:43:56.679 is all about consumer life, all about it. Let me 774 00:43:56.760 --> 00:43:58.840 get to my call screen or here, I'm sorry and 775 00:43:58.960 --> 00:44:02.679 let me get to you. Okay, I somehow miss Mike 776 00:44:02.800 --> 00:44:03.280 call scrinner. 777 00:44:03.280 --> 00:44:05.760 Who's up next? Let me see here let me just 778 00:44:05.920 --> 00:44:07.360 take to my call Screner. There we are. 779 00:44:07.440 --> 00:44:10.760 I'm sorry, I just closed it by mistake. So Henry 780 00:44:11.119 --> 00:44:16.559 wants to do a special and this is really important. 781 00:44:16.760 --> 00:44:19.840 It's called a certification and we'll talk about it coming up. 782 00:44:20.360 --> 00:44:24.960 When people buy or sell property, many times they ask 783 00:44:25.079 --> 00:44:26.679 for a certification of the roof. 784 00:44:27.199 --> 00:44:29.840 That's sometimes very confusing. 785 00:44:29.400 --> 00:44:32.079 To people because people say, wait a minute, the roof 786 00:44:32.199 --> 00:44:35.239 was certified, isn't it guaranteed. We'll talk about that and 787 00:44:35.360 --> 00:44:38.440 more coming up, plus your calls three oh three seven 788 00:44:38.480 --> 00:44:40.960 to one three talks seven one three A two five five. 789 00:44:41.440 --> 00:44:42.760 Meanwhile, if you're looking. 790 00:44:42.599 --> 00:44:45.400 To compare insurance or to make sure you're not paying 791 00:44:45.440 --> 00:44:49.079 too much, or to make sure you're adequately insured, free 792 00:44:49.280 --> 00:44:55.559 insurance checkups the Insurance Help Center dot com three oh three. 793 00:44:55.519 --> 00:44:57.000 Nine nine six nine thousand. 794 00:45:01.280 --> 00:45:05.119 Oh your Troubleshooter three oh three seven one three talk 795 00:45:05.239 --> 00:45:10.000 seven one three eight two five five. So we're going 796 00:45:10.079 --> 00:45:13.119 to talk about certifications. I want to take uh Don 797 00:45:13.239 --> 00:45:18.000 first on leaf guard. By the way, there there have 798 00:45:18.119 --> 00:45:20.519 been so many companies over the years that have tried 799 00:45:20.599 --> 00:45:24.000 to help you keep your gutters clean. Some of them 800 00:45:24.079 --> 00:45:27.280 work better than others. They're not bad some of them 801 00:45:27.360 --> 00:45:31.400 actually are pretty good. And uh, the whole idea is 802 00:45:31.480 --> 00:45:34.599 to keep your gutters clear and running and and and 803 00:45:34.960 --> 00:45:37.119 I'm going to take Don's call, but first I want 804 00:45:37.159 --> 00:45:40.440 to ask, uh, I want to ask Henry from excel 805 00:45:40.559 --> 00:45:44.599 Roofing as an excellent as I always say, excelroofing dot com, Henry, 806 00:45:45.280 --> 00:45:45.920 why is it. 807 00:45:46.039 --> 00:45:47.239 Important to keep gutters clean? 808 00:45:47.360 --> 00:45:49.679 Let's see, I want to I want the dumbed down version. 809 00:45:49.920 --> 00:45:52.760 Why why is it important? I mean, people look at 810 00:45:52.760 --> 00:45:55.000 the gutter and say, well, that's not my roof. So 811 00:45:55.239 --> 00:45:58.039 what is it about the gutters that help your roof? 812 00:45:58.320 --> 00:45:59.599 So there's a couple of different things. 813 00:45:59.639 --> 00:46:02.280 So number one, a lot of times gutters will sometimes 814 00:46:02.400 --> 00:46:05.480 run underground, and when those get clogged, it causes a 815 00:46:05.519 --> 00:46:06.639 whole bunch of issues. 816 00:46:06.920 --> 00:46:09.960 As well as, when gutters get mean gutters drained to underground, 817 00:46:10.079 --> 00:46:11.559 they have usually a down spout. 818 00:46:11.559 --> 00:46:13.920 It'll go underground for a little bit and then spill 819 00:46:13.960 --> 00:46:15.199 out somewhere exactly right. 820 00:46:15.320 --> 00:46:17.639 Thing like that happens, that's a whole lot of problems. 821 00:46:17.760 --> 00:46:19.880 You can get ground water around your foundation that way 822 00:46:19.960 --> 00:46:21.239 can absolutely okay. 823 00:46:21.480 --> 00:46:23.440 The secondary thing is when you have a bunch of 824 00:46:23.559 --> 00:46:25.679 like leaves or to breathe in your gutters and that 825 00:46:25.920 --> 00:46:28.480 water is back flowing through the back of the gutter, 826 00:46:28.599 --> 00:46:31.400 it might get into your facia board start rotting out 827 00:46:31.480 --> 00:46:32.119 that face. 828 00:46:31.960 --> 00:46:34.639 Okay, causing damage. So it can actually go up and 829 00:46:35.079 --> 00:46:37.760 between the gutter and the and the faciaboard. 830 00:46:37.880 --> 00:46:40.239 Absolutely, the gutter is meant to drain water in a 831 00:46:40.280 --> 00:46:43.599 specific direction. So if the if the gutter's plugged right, 832 00:46:43.880 --> 00:46:46.119 that water has nowhere to go, so it's gonna start 833 00:46:46.199 --> 00:46:48.559 draining onto the house it'll sit on that. 834 00:46:48.840 --> 00:46:51.960 A large number of houses have cloud gutters, A lot. 835 00:46:51.920 --> 00:46:54.559 Do, and people they overlook it because it doesn't seem 836 00:46:54.719 --> 00:46:57.559 like a major issue until your whole face is rotten now, 837 00:46:57.639 --> 00:46:58.639 and that's something you'll see. 838 00:46:59.559 --> 00:47:02.000 It can even back up into the attic in some cases, 839 00:47:02.079 --> 00:47:04.239 right you know, I think that's more of a rare case, 840 00:47:04.440 --> 00:47:07.480 but okay, yeah, it could happen, all right now, don 841 00:47:07.559 --> 00:47:10.360 what is your comment on leaf guard? Now, leaf guard 842 00:47:10.480 --> 00:47:13.079 brags and but I don't mean that in a bad way. 843 00:47:14.840 --> 00:47:17.599 Leaf guards claim to fame is that they're one unit. 844 00:47:17.960 --> 00:47:20.840 It's not a covering, but the whole I believe it's 845 00:47:20.840 --> 00:47:21.920 a whole gutter system. 846 00:47:22.159 --> 00:47:25.480 What is your comment on that, Don, yess I bought. 847 00:47:25.920 --> 00:47:28.239 First of all, I've been listening since Flode Doyle and 848 00:47:28.360 --> 00:47:29.000 Father John. 849 00:47:29.559 --> 00:47:32.239 But oh my gosh. Yeah. 850 00:47:33.199 --> 00:47:35.920 So two years ago I bought the leaf filter and 851 00:47:37.159 --> 00:47:39.440 recently they're developed a gap and I called. 852 00:47:39.400 --> 00:47:41.719 Wait, wait was it? Did you buy leaf guard or 853 00:47:41.840 --> 00:47:45.440 leaf filter? What are you talking about? Which one leaf? Oh? 854 00:47:45.559 --> 00:47:49.360 I'm sorry the computer? Okay, leaf filter? What is leaf filter? 855 00:47:50.920 --> 00:47:53.679 Essentially the same thing? I guess that. 856 00:47:54.440 --> 00:47:56.480 Is it a gutter or is it a covering on 857 00:47:56.639 --> 00:47:57.000 a gutter? 858 00:47:57.880 --> 00:47:59.280 It's the covering on the gutter. 859 00:48:01.239 --> 00:48:02.639 Is it a cap or a mesh? 860 00:48:03.519 --> 00:48:06.760 It's a mess. And it was like five four hundred 861 00:48:06.880 --> 00:48:07.159 or something. 862 00:48:07.280 --> 00:48:12.599 Leaf filter, Yes, wow, yeah, they're really expensive. Is it 863 00:48:12.679 --> 00:48:13.280 working well? 864 00:48:14.119 --> 00:48:16.679 Well, it was, but it developed about it had half 865 00:48:16.679 --> 00:48:19.840 an inch three Corin's gap and was developed was sucking 866 00:48:19.920 --> 00:48:23.639 in debris. I called them and told him about it, 867 00:48:23.679 --> 00:48:25.000 and they said it was going to be ninety nine 868 00:48:25.039 --> 00:48:27.320 dollars to come out and look at it. And I said, well, 869 00:48:27.480 --> 00:48:30.440 it's a lifetime learntee And I said, let me wait 870 00:48:30.480 --> 00:48:32.639 till this was Friday. I said, let me wait till Monday. 871 00:48:32.679 --> 00:48:35.639 I'll call Tom Martino and see what he thinks about. 872 00:48:36.039 --> 00:48:38.199 And they called me back the next day and came 873 00:48:38.239 --> 00:48:40.159 out and did it for free. So you saved me 874 00:48:40.239 --> 00:48:41.039 ninety ninety. 875 00:48:40.960 --> 00:48:44.800 Oh what did it turn out to be? Thank you? 876 00:48:44.960 --> 00:48:46.079 What did it turn out to be? 877 00:48:47.079 --> 00:48:51.719 The gentleman who came out said it was installation, something 878 00:48:51.800 --> 00:48:57.719 with installation, so it was just enough of it was 879 00:48:57.800 --> 00:48:59.320 allowing the breed to get in together. 880 00:49:01.159 --> 00:49:05.320 Now, there are so many, so many systems. I'm looking 881 00:49:05.360 --> 00:49:07.480 at leaf filter right now, and on. 882 00:49:07.559 --> 00:49:09.840 The surface when you look at it, it doesn't look bad. 883 00:49:10.199 --> 00:49:12.840 Has it been Has it been working other than this 884 00:49:13.000 --> 00:49:15.000 one problem? Has it been working pretty well? 885 00:49:16.400 --> 00:49:18.599 Yes, sir, I had some problem with ice dam on it, 886 00:49:18.679 --> 00:49:20.480 and I had to install some of. 887 00:49:20.519 --> 00:49:25.679 The cable right now. 888 00:49:25.800 --> 00:49:28.599 By the way, that that is a common problem with 889 00:49:28.719 --> 00:49:31.440 a lot of butter protection systems. 890 00:49:31.760 --> 00:49:37.039 Just to clarify the ice damming, just buy the gutter protection. 891 00:49:37.400 --> 00:49:39.760 It makes it much more prone to ice damming. And 892 00:49:39.840 --> 00:49:43.000 so if there was any prior ice damming, any like 893 00:49:43.320 --> 00:49:45.079 the way that it could happen, it just makes the 894 00:49:45.159 --> 00:49:46.519 problem substantially worse. 895 00:49:47.199 --> 00:49:50.599 Let's just explain what is ice damming, Henry. 896 00:49:50.719 --> 00:49:53.199 Ice damming is when a bunch of like water or 897 00:49:53.320 --> 00:49:55.440 ice collects at the end of your roof and it 898 00:49:56.000 --> 00:49:57.679 freezes and that now. 899 00:49:57.639 --> 00:50:01.760 Why doesn't it go into the gutter? And why does it? Damn? Well, 900 00:50:01.800 --> 00:50:03.360 there's a couple of different ways that happens. 901 00:50:03.440 --> 00:50:07.079 So when it rains and then freezes, it collects at 902 00:50:07.119 --> 00:50:09.079 the edge of the roof and then just creates kind 903 00:50:09.119 --> 00:50:11.559 of like a wall of ice. But usually it happens 904 00:50:11.639 --> 00:50:14.719 up in the mountains where the water it melts down 905 00:50:14.800 --> 00:50:17.519 the roof and it collects right before the gutter, and 906 00:50:17.599 --> 00:50:19.920 then it just starts freezing in the gutter, freezing on 907 00:50:20.000 --> 00:50:22.400 the roof, okay, and it'll take down the gutters with it. 908 00:50:22.760 --> 00:50:27.559 Okay, all right? So don did you install heat cable? 909 00:50:28.719 --> 00:50:29.039 I did. 910 00:50:29.119 --> 00:50:32.440 I had somebody come out. It was right over my 911 00:50:32.480 --> 00:50:35.519 wife's wheelchair ramp, so it was pretty dangerous in the winter, 912 00:50:35.679 --> 00:50:36.760 so I had somebody come Wow. 913 00:50:37.320 --> 00:50:38.480 Yeah, good card. 914 00:50:38.920 --> 00:50:39.760 Yeah yeah. 915 00:50:40.679 --> 00:50:43.599 I think anyone who does gutter protection of any kind 916 00:50:44.119 --> 00:50:46.159 needs to put in heat wire, no matter who it is, 917 00:50:46.280 --> 00:50:50.000 no matter what kind. Did you look at gutter helmet 918 00:50:50.119 --> 00:50:52.320 when you were looking around, because they they used to 919 00:50:52.400 --> 00:50:53.760 do a lot of advertising. 920 00:50:54.719 --> 00:50:55.079 I did. 921 00:50:55.159 --> 00:50:58.039 I looked at them, and I looked at a couple 922 00:50:58.079 --> 00:51:01.559 of different ones that are on there, and this one 923 00:51:01.719 --> 00:51:03.199 just seemed to be rated pretty good. 924 00:51:05.079 --> 00:51:06.559 Okay, thank you very much. 925 00:51:06.599 --> 00:51:08.920 John three three seven one three talks seven one three 926 00:51:08.960 --> 00:51:12.760 eight two five five. Cindy has a comment on prepaid 927 00:51:12.960 --> 00:51:16.679 funerals because I talked about me personally. 928 00:51:16.920 --> 00:51:19.599 I would put money away, maybe in a trust or 929 00:51:19.679 --> 00:51:21.960 in some kind of a well yeah, it's a trust 930 00:51:22.000 --> 00:51:24.920 account to prepay for it. But I would not pay 931 00:51:25.320 --> 00:51:26.280 an institution. 932 00:51:26.800 --> 00:51:31.000 We've had cases in the past where people pay institutions, 933 00:51:31.719 --> 00:51:36.400 but what happens is those institutions either you know, they 934 00:51:36.480 --> 00:51:38.239 go bad or they they disappear. 935 00:51:38.559 --> 00:51:43.639 So what's your what's your question or comment? Cindy, Hi, 936 00:51:44.159 --> 00:51:44.519 So I. 937 00:51:44.880 --> 00:51:48.119 Just wanted to say, my husband and I prepaid for 938 00:51:48.559 --> 00:51:53.639 funeral services, oh probably twenty twenty five years ago, and 939 00:51:53.800 --> 00:51:58.639 with really connedy. Yeah, and okay, we paid so much 940 00:51:58.880 --> 00:52:00.320 less than. 941 00:52:00.360 --> 00:52:01.880 What the cost is now. 942 00:52:02.800 --> 00:52:06.079 And somebody who, oh, yes, do it, who's middle age 943 00:52:06.199 --> 00:52:09.039 or whatever? It's really I mean, I'm assuming costs or 944 00:52:09.119 --> 00:52:12.519 funerals are going to continue to go up, but we 945 00:52:12.760 --> 00:52:15.840 paid so long ago that it's going to cost us 946 00:52:15.840 --> 00:52:18.920 almost nothing compared to what it costs now. 947 00:52:19.480 --> 00:52:22.039 Can you give me some real figure, Cindy, Like, can 948 00:52:22.079 --> 00:52:25.159 you tell us what you paid, and let's compare it 949 00:52:25.280 --> 00:52:26.119 to today's cost. 950 00:52:26.239 --> 00:52:26.960 What did you pay? 951 00:52:28.440 --> 00:52:31.400 We paid about five thousand total. 952 00:52:32.719 --> 00:52:36.079 That doesn't they'd have to arrange for their own cemetery 953 00:52:36.199 --> 00:52:38.719 plot that's not included. 954 00:52:40.199 --> 00:52:43.119 So five thousand is for one? Is it for one? 955 00:52:43.400 --> 00:52:44.559 Is it for first to die? 956 00:52:44.800 --> 00:52:45.400 Is it for two? 957 00:52:45.840 --> 00:52:48.000 How many plans for five thousand and one? 958 00:52:49.079 --> 00:52:49.719 It's two. 959 00:52:49.960 --> 00:52:51.400 That's what we paid total. 960 00:52:52.480 --> 00:52:53.280 Wow, right around. 961 00:52:53.440 --> 00:52:55.079 Wow, paperwork in front of me. 962 00:52:55.199 --> 00:52:59.039 But that is a good well, that is a good deal, Cindy. 963 00:52:59.800 --> 00:53:02.320 That it's like twenty five hundred a piece. That's very 964 00:53:03.400 --> 00:53:04.360 very inexpensive. 965 00:53:04.400 --> 00:53:06.239 Yeah, yes, it was. 966 00:53:07.039 --> 00:53:09.639 And by the way, by the way, I don't recommend 967 00:53:09.719 --> 00:53:12.719 paying up front, but you've picked a good place. And 968 00:53:12.840 --> 00:53:16.559 there is an exception for really good places. Haran and Mcconaughtay, 969 00:53:16.880 --> 00:53:19.639 they've been around for years and years and right now 970 00:53:19.719 --> 00:53:22.519 they've been taken over by a larger company, but they 971 00:53:22.719 --> 00:53:27.039 still have that that that heritage that you can trust. 972 00:53:27.320 --> 00:53:30.199 So Cindy, it worked out, It worked out really good 973 00:53:30.280 --> 00:53:33.480 for you. That same costs right now, what would that 974 00:53:33.559 --> 00:53:35.480 cost you right now? About six grand each? 975 00:53:37.000 --> 00:53:37.119 Oh? 976 00:53:37.280 --> 00:53:42.519 Probably absolutely? Yeah, yeah, and this includes you know, the 977 00:53:43.119 --> 00:53:47.719 funeral service and the cremations and the you know, the 978 00:53:47.840 --> 00:53:50.199 box that you go in and all of that kind 979 00:53:50.239 --> 00:53:53.320 of stuff. Yes, you know all of those. 980 00:53:53.480 --> 00:53:55.480 I like way you put that the box out and. 981 00:53:55.480 --> 00:53:56.400 All that kind of stuff. 982 00:53:56.559 --> 00:53:59.000 Yeah. Like I said, well, thank you for calling. 983 00:53:59.079 --> 00:54:02.159 You get very I one more question. 984 00:54:02.079 --> 00:54:03.760 Real quick, Okay. 985 00:54:03.880 --> 00:54:09.199 My grandson, My grandson a year ago was arrested her 986 00:54:09.760 --> 00:54:14.039 a third degree assault at high school. He did all 987 00:54:14.119 --> 00:54:17.719 of his community service, he did his anger management class. 988 00:54:18.199 --> 00:54:21.679 We turned in the paperwork before the deadline. But we've 989 00:54:21.800 --> 00:54:24.280 just gotten a letter saying that he didn't turn in 990 00:54:24.360 --> 00:54:27.800 the paperwork. There's a warrant for his arrest, and we 991 00:54:27.960 --> 00:54:31.760 have to appear in court. So I'm wondering if this 992 00:54:32.079 --> 00:54:34.599 is a final thing and we have to just get 993 00:54:34.639 --> 00:54:37.239 a lawyer and go to court again, or whether I 994 00:54:37.360 --> 00:54:39.920 can go and show that we turn it in before 995 00:54:40.000 --> 00:54:42.639 the date and they'll reverse it. 996 00:54:42.760 --> 00:54:45.719 Or was okay, okay, Cindy, Cindy. 997 00:54:45.840 --> 00:54:49.920 I need to know in different jurisdictions, it's handled by 998 00:54:50.000 --> 00:54:50.719 different people. 999 00:54:51.360 --> 00:54:54.599 So hold on a second. Do you have the notice 1000 00:54:54.679 --> 00:55:00.480 that was sent to you? I have it right now, enemy, 1001 00:55:01.880 --> 00:55:04.000 All right, hold on and I'll come back to it. Okay, 1002 00:55:04.440 --> 00:55:06.320 I'm going to ask you a couple of questions. I'll 1003 00:55:06.360 --> 00:55:07.039 give you the answer. 1004 00:55:07.559 --> 00:55:07.599 ED. 1005 00:55:07.719 --> 00:55:10.639 What is your comment on leaf filter? Real quick? Go ahead, ED? 1006 00:55:10.800 --> 00:55:11.599 What is your comment? 1007 00:55:12.800 --> 00:55:13.000 Yeah? 1008 00:55:13.199 --> 00:55:13.519 Thanks? 1009 00:55:15.360 --> 00:55:18.159 Okay, So I just heard you guys talking about the 1010 00:55:18.280 --> 00:55:22.960 gutters that kind of go below the ground and I 1011 00:55:23.079 --> 00:55:29.800 have one, and uh, yeah, what is the best Is 1012 00:55:29.880 --> 00:55:33.559 there a salute because I had a recent. 1013 00:55:33.400 --> 00:55:34.840 Route you mean for clearing them out? 1014 00:55:36.559 --> 00:55:39.440 Well, I don't know what's below there. I mean they 1015 00:55:39.519 --> 00:55:42.679 seem to when it rains real okay. 1016 00:55:44.159 --> 00:55:46.360 All right, Henry Britts excel roofing. 1017 00:55:46.519 --> 00:55:49.079 I think one of the best ways to clear those 1018 00:55:49.159 --> 00:55:52.639 out is called water jetting, where you can you can 1019 00:55:52.719 --> 00:55:56.480 send a states. They send a small nozzle through a hose, 1020 00:55:56.880 --> 00:55:59.480 not a regular hose, but they're high pressure hose, and 1021 00:55:59.599 --> 00:56:01.800 they insert it up on top. 1022 00:56:02.199 --> 00:56:03.760 They go down your down spout. 1023 00:56:04.039 --> 00:56:08.119 It goes underground and it and it it water jets 1024 00:56:08.199 --> 00:56:11.280 it to wear it out where it lets out. But 1025 00:56:11.440 --> 00:56:15.559 in some cases it's cheaper to start over where it 1026 00:56:15.760 --> 00:56:16.719 enters the ground and. 1027 00:56:16.880 --> 00:56:18.840 Just do one right next to it. Henry, what were 1028 00:56:18.880 --> 00:56:19.400 you going to say? 1029 00:56:19.480 --> 00:56:22.719 So just really quickly, I'm curious you're saying that this 1030 00:56:22.800 --> 00:56:24.679 happened right after the roofing project. 1031 00:56:25.320 --> 00:56:26.440 They clogged it up. Problem. 1032 00:56:26.519 --> 00:56:27.639 Okay, well I don't know. 1033 00:56:28.119 --> 00:56:31.199 You know, it has happened before. I had that roofing 1034 00:56:31.320 --> 00:56:34.719 job done and they did a complete gutter. But when 1035 00:56:34.760 --> 00:56:39.400 it would rain heavily that point where it would go underground, 1036 00:56:39.599 --> 00:56:43.079 I could see it like kind of flooding upward, you know. 1037 00:56:43.239 --> 00:56:45.880 So I know there's yeah, that is not good. So 1038 00:56:47.039 --> 00:56:47.880 that is not good. 1039 00:56:48.199 --> 00:56:51.360 High probability, that's some roofing debris got into there. So 1040 00:56:51.519 --> 00:56:53.480 like some plastic cap those are But no matter what 1041 00:56:53.599 --> 00:56:55.519 got in there, he's got to clear it out absolutely. 1042 00:56:55.599 --> 00:56:57.159 So I mean as far as doing a water jet, 1043 00:56:57.239 --> 00:56:59.280 though it might not blast that out because it's okay, 1044 00:56:59.360 --> 00:56:59.880 heavy duty. 1045 00:57:00.599 --> 00:57:03.920 Sometimes it's easier, isn't it to just just do just 1046 00:57:04.039 --> 00:57:06.159 do a side by side, just do one right next 1047 00:57:06.199 --> 00:57:09.320 to it and divert it to In other words, ed, 1048 00:57:09.719 --> 00:57:13.480 it's not expensive to where the down spout meets the dirt, 1049 00:57:14.079 --> 00:57:17.800 to just do a alongside the old one, do a 1050 00:57:17.880 --> 00:57:20.719 new one, and just divert that down spout to the 1051 00:57:20.840 --> 00:57:21.159 new one. 1052 00:57:22.559 --> 00:57:24.880 Yeah, I understand it. And by the way, it's right, 1053 00:57:25.400 --> 00:57:28.440 it's right in the walkways, so you either have to 1054 00:57:28.559 --> 00:57:31.360 step over it one way or step over it the 1055 00:57:31.480 --> 00:57:35.079 other way. Uh, you know, it's just completely uh and 1056 00:57:35.199 --> 00:57:35.639 I don't know. 1057 00:57:35.840 --> 00:57:36.880 Okay, you gotta hold on. 1058 00:57:37.000 --> 00:57:39.840 We're we're getting way, We're getting like I got to 1059 00:57:39.880 --> 00:57:41.559 take a break and I'll come back to you. And 1060 00:57:41.679 --> 00:57:45.280 also Cindy about the deferred sentence. Ed, hang on, because 1061 00:57:45.320 --> 00:57:47.559 I'm not sure I'm understanding when you say. 1062 00:57:47.480 --> 00:57:48.320 It's in the walkway. 1063 00:57:49.039 --> 00:57:51.719 Is if there's a concrete walkway, it goes underneath the 1064 00:57:51.800 --> 00:57:55.599 walkway and those are very easy to reinstall, or if 1065 00:57:55.639 --> 00:57:56.880 it goes over the walkway. 1066 00:57:56.920 --> 00:57:58.719 I have no idea what what that's about. 1067 00:57:58.800 --> 00:58:01.320 But hold on, we'll talk about three oh three seven 1068 00:58:01.320 --> 00:58:04.000 to one three talk seven one three eight two five five. 1069 00:58:09.039 --> 00:58:11.519 Hey Tom Martino, your troubleshooter. Three oh three seven one 1070 00:58:11.519 --> 00:58:13.880 three eight two five five. So Ed, I got to 1071 00:58:13.920 --> 00:58:16.679 get this picture right, Okay, Ed, you say you have 1072 00:58:16.840 --> 00:58:21.159 down spouts and then they go underground and then presumably 1073 00:58:21.320 --> 00:58:24.280 they daylight somewhere, meaning they they empty. 1074 00:58:24.880 --> 00:58:27.199 So you're having your. 1075 00:58:27.159 --> 00:58:31.360 What you believe is is some clogging in there because 1076 00:58:31.400 --> 00:58:34.360 you see it kind of a boil over when you 1077 00:58:34.440 --> 00:58:35.239 get a heavy rain. 1078 00:58:36.639 --> 00:58:40.800 Okay, I told you that one of the solutions. One 1079 00:58:40.880 --> 00:58:43.960 of the solutions some people do, is they just put 1080 00:58:44.000 --> 00:58:47.039 a whole new ditch in and bury a brand new 1081 00:58:47.079 --> 00:58:49.519 one and just divert the down spout to the new one. 1082 00:58:49.920 --> 00:58:53.079 It's easier sometimes than trying to figure out where the 1083 00:58:53.199 --> 00:58:55.920 old one is and how to clean it. But then 1084 00:58:56.000 --> 00:58:58.000 you mentioned something about a walkway. 1085 00:58:59.519 --> 00:59:02.039 Yeah, so when you look out the front door and 1086 00:59:02.119 --> 00:59:05.119 you start walking out the you know, on the porch 1087 00:59:05.159 --> 00:59:08.440 and then going out to you know, your garage car 1088 00:59:08.559 --> 00:59:11.440 or whatever, it's like right there on the side. 1089 00:59:12.159 --> 00:59:12.320 Uh. 1090 00:59:12.800 --> 00:59:16.519 And it's not like a Frinch strain where you you know, 1091 00:59:16.639 --> 00:59:19.559 have all the rocks and everything. I mean, it is underground, 1092 00:59:20.440 --> 00:59:23.599 and I think there's a clog. I think there's an obstruction. 1093 00:59:24.519 --> 00:59:29.760 So I guess the quick question I have I'm thinking about, like, 1094 00:59:30.400 --> 00:59:32.400 you know, inside the house, you know, when the drains 1095 00:59:32.440 --> 00:59:35.000 back up, you get a liquid palmer or something like that. 1096 00:59:35.840 --> 00:59:37.599 Is there a no that won't work? 1097 00:59:38.800 --> 00:59:41.000 No, no, no, there are no no. 1098 00:59:41.280 --> 00:59:46.559 Those outside drains they might have stones, rocks, mud leaves, 1099 00:59:47.039 --> 00:59:51.159 They might have, as as Henry pointed out, construction debris 1100 00:59:51.679 --> 00:59:55.159 from when they did your roof. But but no, there 1101 00:59:55.239 --> 00:59:58.280 is no liquid. There is no liquid in the world 1102 00:59:58.679 --> 01:00:01.000 that you can use for an ounce I drain spout. 1103 01:00:02.599 --> 01:00:05.280 You might want to try water jetting. You can rent 1104 01:00:05.320 --> 01:00:10.119 a water jet from from a local rental place and 1105 01:00:10.280 --> 01:00:13.079 you can jet that thing for yourself. Just go and 1106 01:00:13.199 --> 01:00:15.920 put it to you know, disconnect the down spout and 1107 01:00:16.039 --> 01:00:18.039 go underground and see what it gives you. 1108 01:00:18.239 --> 01:00:21.000 It might work. But the as I said, the other 1109 01:00:21.079 --> 01:00:23.159 way to do it, the other way to do it 1110 01:00:23.360 --> 01:00:26.599 is just do a brand new one. Now does it go? 1111 01:00:26.920 --> 01:00:29.280 Do you have a concrete walkway when you were talking 1112 01:00:29.280 --> 01:00:31.920 about that walkway or is it just is it just 1113 01:00:32.079 --> 01:00:34.239 dirt concrete? 1114 01:00:35.000 --> 01:00:35.199 Yes? 1115 01:00:35.760 --> 01:00:40.199 Okay, So does the down spout cross underneath the concrete 1116 01:00:40.280 --> 01:00:42.880 or you don't know, the. 1117 01:00:42.920 --> 01:00:44.760 Down spouts on the side of the house. But then 1118 01:00:44.800 --> 01:00:45.440 there's like a. 1119 01:00:47.079 --> 01:00:50.880 The extension I'm meant, does the extension go underneath the walkway? 1120 01:00:52.719 --> 01:00:52.920 Yes? 1121 01:00:54.599 --> 01:00:54.880 Okay. 1122 01:00:55.719 --> 01:00:58.400 You can divert the new one anywhere you want it, 1123 01:00:58.920 --> 01:01:01.280 and you just have to take it at least about 1124 01:01:01.360 --> 01:01:03.400 how many feet from the house. At least twenty five 1125 01:01:03.480 --> 01:01:05.760 feet from the house, I would say, And then you 1126 01:01:05.920 --> 01:01:08.679 want to have a daylight somewhere. That just means it 1127 01:01:08.880 --> 01:01:11.800 just drains out onto the lawn or a ditch. 1128 01:01:11.960 --> 01:01:16.519 Or something like that. Yeah, So you have two ways 1129 01:01:16.599 --> 01:01:19.199 of doing it. You can go ahead. 1130 01:01:19.360 --> 01:01:28.400 Sorry, the positioning of that down spout and I have 1131 01:01:28.519 --> 01:01:30.920 tried this before to put like a little you know, 1132 01:01:31.119 --> 01:01:35.159 kind of you know, a lever sort of you know, 1133 01:01:35.280 --> 01:01:38.079 extension on that gutter in it, but you have to 1134 01:01:38.159 --> 01:01:42.400 step over and it's kind of a pain in the buve. 1135 01:01:42.880 --> 01:01:44.599 Yeah, no, I know what you mean. 1136 01:01:44.880 --> 01:01:46.119 Yeah, you know. 1137 01:01:46.480 --> 01:01:50.639 So it's just one of those but okay, well I 1138 01:01:50.719 --> 01:01:54.119 appreciate it, and I think, yeah, maybe getting a high 1139 01:01:54.159 --> 01:01:58.440 pressure try to blow all that, you know, but if 1140 01:01:58.440 --> 01:02:02.760 there's a big backup, like you said, it leaves yeah, 1141 01:02:03.000 --> 01:02:05.679 debris from the roofing job, all that stuff in there. 1142 01:02:05.800 --> 01:02:08.360 I mean, how effect is that going to be for 1143 01:02:08.519 --> 01:02:09.840 me to try to blast that all? 1144 01:02:09.920 --> 01:02:10.079 Well? 1145 01:02:10.239 --> 01:02:14.039 It may not, that's the that's the problem, and it 1146 01:02:14.159 --> 01:02:16.920 may not go ahead, Doc, Hey. 1147 01:02:17.480 --> 01:02:20.079 Ed, why don't you call up Gary Sullivan. He's on 1148 01:02:20.280 --> 01:02:23.679 this station on the weekends and he knows everything about 1149 01:02:23.760 --> 01:02:24.599 this kind of stuff. 1150 01:02:25.880 --> 01:02:27.960 Okay, Gary, how how? 1151 01:02:28.159 --> 01:02:32.800 Okay? Okay? I appreciate that. I appreciate that that referral, Doc, 1152 01:02:32.920 --> 01:02:38.239 But right now it you know, the solution is easy. 1153 01:02:38.599 --> 01:02:41.239 You either clear the one that's there, or you put 1154 01:02:41.280 --> 01:02:45.199 a new one in and many many people elect to put. 1155 01:02:45.079 --> 01:02:47.360 A new one in. You can route the new one 1156 01:02:47.599 --> 01:02:52.679 anywhere you want it. It's very easy to do. You're 1157 01:02:52.719 --> 01:02:56.639 putting in a brand extension to your down spout, so 1158 01:02:56.840 --> 01:02:59.559 you can curl it and move it anywhere you want to, 1159 01:02:59.679 --> 01:03:03.679 a night clear area away from your sidewalk, and uh 1160 01:03:03.800 --> 01:03:04.599 and be done with it. 1161 01:03:05.039 --> 01:03:05.159 Uh. 1162 01:03:05.719 --> 01:03:08.119 Three O three seven one three Talks seven one three 1163 01:03:08.239 --> 01:03:11.199 eight two five five. Doc. Were you talking about someone 1164 01:03:11.199 --> 01:03:12.360 who does a weekend show? 1165 01:03:12.679 --> 01:03:13.800 Yeah, on this station. 1166 01:03:15.559 --> 01:03:20.599 Yeah, okay, so so uh and knows everyone. Oh okay, okay, no, no, 1167 01:03:20.760 --> 01:03:22.920 I know Ken Moon used to do that. Ken Moon 1168 01:03:23.000 --> 01:03:23.880 doesn't do it anymore. 1169 01:03:25.760 --> 01:03:28.920 Okay, Yeah, that's a good show. Okay, thank you very much. 1170 01:03:28.960 --> 01:03:31.639 Three O three seven one three eight two five five. 1171 01:03:35.880 --> 01:03:37.280 Artino here three oh three. 1172 01:03:38.840 --> 01:03:41.239 Seven one three Talks seven one three eighty five. Okay, 1173 01:03:41.559 --> 01:03:48.199 So we talked about roof certifications. What is a roof certification? Well, 1174 01:03:48.840 --> 01:03:52.199 many times you'll see when somebody's buying a house, they'll 1175 01:03:52.280 --> 01:03:56.199 ask for a roof certification. What does that mean, Henry? 1176 01:03:56.320 --> 01:03:59.880 What is with excel roofie? What is a roof certification? 1177 01:04:00.480 --> 01:04:00.679 Yeah? 1178 01:04:00.840 --> 01:04:03.840 Absolutely, And to speak to all the real estate agents 1179 01:04:03.920 --> 01:04:07.800 out there, A roof certification is something that is required 1180 01:04:07.920 --> 01:04:10.639 by the transaction to verify that the roof is good 1181 01:04:10.760 --> 01:04:13.039 for another five years or so. We see this with 1182 01:04:13.360 --> 01:04:17.119 home sales and then also refinancing of the home. And 1183 01:04:17.239 --> 01:04:20.199 so if anybody out there is looking to sell their home, 1184 01:04:20.519 --> 01:04:23.159 is selling their home is a real estate agent, I'm 1185 01:04:23.159 --> 01:04:25.800 going to save you about five hundred bucks right now. 1186 01:04:26.199 --> 01:04:28.559 So how are you gonna do that? I'm going to 1187 01:04:28.679 --> 01:04:29.840 offer this for free. 1188 01:04:30.199 --> 01:04:32.840 XCEL Roofing will come out to your property, to your 1189 01:04:32.880 --> 01:04:35.280 listing whatever it is, and we will do a roof 1190 01:04:35.360 --> 01:04:39.360 certification for one hundred percent for free. The numbers three 1191 01:04:39.440 --> 01:04:42.960 oh three seven six' one six' four ZERO. 1192 01:04:42.920 --> 01:04:45.480 Zero a five year roof certification FIVE. 1193 01:04:45.639 --> 01:04:48.519 Year roofsirt and what that, says is in our, professional 1194 01:04:48.639 --> 01:04:52.119 opinion this roof is certified to last for five years 1195 01:04:52.400 --> 01:04:54.639 and it does not need to. Be, replaced now a 1196 01:04:54.719 --> 01:04:58.880 home inspector can't do A, roof sirt can they depending on, 1197 01:04:58.920 --> 01:05:03.000 their qualifications but they're usually required to be a licensed. Roofing, 1198 01:05:03.159 --> 01:05:07.760 Contractor okay so a roof certification is on reef fis 1199 01:05:07.840 --> 01:05:08.719 as well as buying. 1200 01:05:08.800 --> 01:05:11.639 And, selling yes it can apply in. DIFFERENT. Ways yep 1201 01:05:12.159 --> 01:05:13.360 and lenders are the ones that. 1202 01:05:13.480 --> 01:05:14.880 Want it they want to know if they have to 1203 01:05:14.920 --> 01:05:17.400 foreclose on the house that the collateral doesn't need. A. 1204 01:05:17.440 --> 01:05:20.800 Roof absolutely and it's just to verify that the roof 1205 01:05:20.920 --> 01:05:22.920 is in good condition and will last another. 1206 01:05:23.039 --> 01:05:25.280 Five years now think, about that people. 1207 01:05:25.400 --> 01:05:28.679 Right now if you need a, roof certification you call 1208 01:05:28.840 --> 01:05:31.840 now and you Mentioned The. Martino show you will get 1209 01:05:31.960 --> 01:05:36.079 one hundred percent free a five year, roof, certification providing, 1210 01:05:36.159 --> 01:05:36.559 of course the. 1211 01:05:36.679 --> 01:05:39.800 Roof, passes right it's a it's a free. 1212 01:05:40.039 --> 01:05:43.880 Roof certification inspection and if, it passes you get the free. 1213 01:05:44.000 --> 01:05:47.199 Roof certification and all you have to DO is calles 1214 01:05:47.320 --> 01:05:49.599 three zero three seven six one sixty. 1215 01:05:49.639 --> 01:05:50.800 Four hundred take our. 1216 01:05:50.880 --> 01:05:53.880 Number down that's three oh three seven sixty one sixty four. 1217 01:05:53.920 --> 01:05:57.639 Zero zero and excel ex c l excel roofing. Dot 1218 01:05:57.719 --> 01:06:01.519 com that's an. Incredible, DEAL now i have a question, 1219 01:06:01.679 --> 01:06:03.440 for everyone and we're at the end of, this hour 1220 01:06:03.519 --> 01:06:04.960 but we're going to come BACK and i need to 1221 01:06:05.079 --> 01:06:06.760 know ROOMBA. 1222 01:06:07.480 --> 01:06:08.400 Or i what are the. 1223 01:06:08.480 --> 01:06:11.079 OTHER ones i want to know if. THEY work i 1224 01:06:11.320 --> 01:06:14.000 want to hear from people who actually. Have them, You 1225 01:06:14.079 --> 01:06:15.079 know i'm. 1226 01:06:14.960 --> 01:06:17.639 Forever now looking at, You know i'm one of. 1227 01:06:17.719 --> 01:06:19.679 These GUYS if i see a fleck of something on, 1228 01:06:19.760 --> 01:06:22.400 THE floor i either have to get my broom out 1229 01:06:22.480 --> 01:06:25.400 RIGHT or i take a paper towel. Or SOMETHING and 1230 01:06:25.519 --> 01:06:29.000 i want to know do these? Really work but don't 1231 01:06:29.079 --> 01:06:31.960 call me unless you. HAVE one i want to know 1232 01:06:32.719 --> 01:06:36.000 are they? Worth having do they actually roam around your 1233 01:06:36.000 --> 01:06:38.079 house or do they end up getting stuck all? 1234 01:06:38.159 --> 01:06:41.679 The time let. Me Know I'm Tom martine moore, coming up. 1235 01:06:49.960 --> 01:07:01.719 Ripped up who you don't have is The, Ca yeah shooter's. 1236 01:07:01.800 --> 01:07:05.559 Gonna help, Come man this Is The. 1237 01:07:05.760 --> 01:07:12.760 Troubleshooter Show No, Tom Martino Hi tom, Martino here welcome to. 1238 01:07:12.840 --> 01:07:15.159 The show three oh three, seven one three eight two. 1239 01:07:15.320 --> 01:07:17.880 Five five this hour brought to you by Renew home Innovations. 1240 01:07:17.920 --> 01:07:21.400 Dot com the most beautiful walkin showers you ever want 1241 01:07:21.440 --> 01:07:27.000 to see with sheet porcelain that it's, it's unbelievable no maintenance. 1242 01:07:27.360 --> 01:07:30.320 And beauty and they can do the porcelain not just in, 1243 01:07:30.400 --> 01:07:33.639 the shower but they can do it in your backslashes around, 1244 01:07:33.679 --> 01:07:38.000 Your bathroom wayne's Coating Renew home Innovations. Dot com they 1245 01:07:38.199 --> 01:07:39.840 just they do the whole job in two or three 1246 01:07:39.920 --> 01:07:43.199 days and you have months to Pay Renew home Innovations 1247 01:07:43.239 --> 01:07:44.920 dot com three oh three nine zero four. 1248 01:07:45.000 --> 01:07:46.199 Two thousand, all. 1249 01:07:46.159 --> 01:07:49.679 Right what's happening in? YOUR life I Have excel roofing, 1250 01:07:49.760 --> 01:07:52.400 with ME and I Have Jay. Brett Switten. 1251 01:07:52.440 --> 01:07:56.679 Not jay jay's the, Original owner henry joined, his Dad 1252 01:07:57.159 --> 01:07:58.920 and henry's. With us today we're talking about. 1253 01:07:58.960 --> 01:08:02.159 ROOF certifications a, roof certification whether you're buying or selling, 1254 01:08:02.199 --> 01:08:05.199 a property you may be asked for one or refinancing. 1255 01:08:05.280 --> 01:08:08.320 A property lenders often want to know the condition of, 1256 01:08:08.360 --> 01:08:10.480 the roof and it goes far beyond a normal. 1257 01:08:10.559 --> 01:08:12.000 House inspection it's called. 1258 01:08:12.039 --> 01:08:15.000 A certification and so what a roofer does is goes 1259 01:08:15.079 --> 01:08:17.439 up there and basically Says, What henry what does a? 1260 01:08:17.560 --> 01:08:20.439 Roofer, Say yeah so the real estate agent will call 1261 01:08:20.479 --> 01:08:23.680 a roofing contractor out Such As. Excel roofing we'll go 1262 01:08:23.840 --> 01:08:26.479 up onto the roof and basically write a, letter, stating 1263 01:08:26.600 --> 01:08:29.840 hey in our, professional opinion we believe that this roof 1264 01:08:29.920 --> 01:08:33.119 will last an additional five or, so years and that's 1265 01:08:33.199 --> 01:08:36.640 so that they can process the real. Estate transaction this 1266 01:08:37.479 --> 01:08:40.319 this kind of service is usually about like four hundred five. 1267 01:08:40.399 --> 01:08:43.439 Hundred bucks BUT like i, mentioned before we're offering this 1268 01:08:43.880 --> 01:08:48.000 for free, right now go ahead and six one six four. 1269 01:08:48.199 --> 01:08:48.920 Zero zero give. 1270 01:08:48.920 --> 01:08:52.159 That again three ozho three seven six one six four. 1271 01:08:52.399 --> 01:08:55.520 Zero zero somebody asks it, by text how long is 1272 01:08:55.560 --> 01:08:56.840 this good for the? 1273 01:08:56.960 --> 01:08:59.840 Roof certification? Will? IT'LL no i mean, like, no no? 1274 01:09:00.239 --> 01:09:04.239 Like when how how long is this? Free offer is? 1275 01:09:04.279 --> 01:09:04.319 It? 1276 01:09:04.399 --> 01:09:08.039 Today only if they call you Mentioned The, Martino show 1277 01:09:08.199 --> 01:09:09.560 i'll push this out as far as we. 1278 01:09:09.640 --> 01:09:11.279 Need, to okay so if. 1279 01:09:11.239 --> 01:09:16.239 You Mentioned The, martino show you'll get a free roof certification. 1280 01:09:17.039 --> 01:09:21.560 Inspection free that's all you have to do Is. Mention 1281 01:09:21.720 --> 01:09:24.119 martino and that's like a four or five hundred. Dollars 1282 01:09:24.239 --> 01:09:25.960 value and you, know what it's not something that you 1283 01:09:26.079 --> 01:09:28.880 really think about. That, often no. It's not but then 1284 01:09:28.920 --> 01:09:31.279 as soon as you, need it you really. Need it that's. 1285 01:09:31.399 --> 01:09:33.960 Exactly right like, you're refining, they say we need a 1286 01:09:34.039 --> 01:09:37.479 roof certification excel E X C E l excel roofing 1287 01:09:37.520 --> 01:09:39.279 dot com three oh three seven six one six to. 1288 01:09:39.279 --> 01:09:41.720 Four, hundred joe what's going on? 1289 01:09:41.840 --> 01:09:41.880 With? 1290 01:09:42.000 --> 01:09:42.399 You, Joe? 1291 01:09:45.640 --> 01:09:46.520 Hey tom how are? 1292 01:09:46.600 --> 01:09:48.680 You good what's? 1293 01:09:48.720 --> 01:09:49.079 Going on. 1294 01:09:50.600 --> 01:09:54.199 You know a couple. Of things first, of all since 1295 01:09:54.239 --> 01:09:56.760 You have excel roofing in, THE house i would like 1296 01:09:56.920 --> 01:10:00.640 to say that they came out to my House last 1297 01:10:00.760 --> 01:10:06.760 thursday and uh did some work on. My roof, very professional, 1298 01:10:07.399 --> 01:10:12.920 totally satisfied, great custom great advertising you have on. Your 1299 01:10:12.960 --> 01:10:16.479 show they do great Work and i'm very pleased. With 1300 01:10:16.600 --> 01:10:18.439 them now for The nunc. 1301 01:10:19.159 --> 01:10:19.960 I'm glad. 1302 01:10:21.279 --> 01:10:21.520 Yeah. 1303 01:10:21.760 --> 01:10:25.159 They're there they, were great. Absolutely great. All right now for, 1304 01:10:25.239 --> 01:10:27.960 the nuns. So good and this concern Is Done. RIGHT 1305 01:10:28.079 --> 01:10:30.600 plumbing i have them come out to. 1306 01:10:30.680 --> 01:10:33.199 My way it's called it's called done. 1307 01:10:33.319 --> 01:10:39.119 Right plumbing it's called done right whoever, they are they're, 1308 01:10:39.439 --> 01:10:42.079 done right but it's did you say it's. 1309 01:10:42.199 --> 01:10:44.560 It's a plumber. Though right it's not The done right 1310 01:10:45.000 --> 01:10:47.199 The good home. Improvement company Done? 1311 01:10:47.279 --> 01:10:52.119 Right, right well you KNOW they i called them up 1312 01:10:52.159 --> 01:10:55.239 and they wanted to KNOW what. I wanted i think 1313 01:10:55.319 --> 01:10:57.560 they're kind of one and. The same but they do 1314 01:10:57.760 --> 01:10:59.920 provide plumbers, because. 1315 01:11:00.319 --> 01:11:03.960 Well okay how do you spell how do you? SPELL IT. 1316 01:11:05.439 --> 01:11:05.760 B O? 1317 01:11:06.039 --> 01:11:08.439 N e and they have it on the truck DONE. 1318 01:11:08.560 --> 01:11:12.159 RIGHT r, I, ght no it's it's it's not. 1319 01:11:12.359 --> 01:11:15.159 Done, RIGHT okay i know who you're. Talking about it's 1320 01:11:15.239 --> 01:11:17.720 not done, right kitchen. A bath it's not The done, 1321 01:11:17.800 --> 01:11:21.479 right Family the. Hikini family you're. Talking about you're talking 1322 01:11:21.560 --> 01:11:25.399 about a plumbing contractor and It's called. 1323 01:11:25.560 --> 01:11:28.920 Done, THERE yeah i know who you're. Talking about, Oh, 1324 01:11:29.720 --> 01:11:31.800 Hey joe, HENRY here I just i wanted to thank 1325 01:11:31.840 --> 01:11:33.119 you for. Your business we Really. 1326 01:11:33.000 --> 01:11:35.640 Appres hold on one se hold on. One second he didn't. 1327 01:11:35.680 --> 01:11:38.640 Hear you henry just said thanks for. Your business by, 1328 01:11:38.680 --> 01:11:40.520 The way, OH yeah i. 1329 01:11:40.600 --> 01:11:44.279 Heard him tell him he's. MOTING welcome i was. Very, pleased, Yeah, 1330 01:11:45.000 --> 01:11:46.159 okay well so. 1331 01:11:46.279 --> 01:11:51.119 The company that you're talking About Is, Done, Plumbing heating Cooling. 1332 01:11:51.520 --> 01:11:54.840 And electric what's the Issue With, Done, Plumbing heating Cooling. 1333 01:11:54.880 --> 01:11:59.319 And electric they tried to scam me and and the 1334 01:11:59.560 --> 01:12:03.560 cow scam me because they came into. MY home i 1335 01:12:03.680 --> 01:12:08.800 CALLED them i needed a bathtub drain replaced a, bathtub 1336 01:12:08.920 --> 01:12:12.800 drain not, the plumbing just the drain inside of. The 1337 01:12:13.039 --> 01:12:17.520 cub and they wanted to charge me fourteen hundred dollars to. 1338 01:12:17.800 --> 01:12:20.319 Do it this guy wanted to cut. 1339 01:12:20.399 --> 01:12:22.960 My, Pipe, YEAH. 1340 01:12:26.199 --> 01:12:29.560 Joe i need to. Know something when you say, the 1341 01:12:29.760 --> 01:12:34.239 drain tell me about is this? A tub this is? 1342 01:12:34.279 --> 01:12:37.319 A bathtub and what was wrong with the drain. 1343 01:12:39.560 --> 01:12:39.720 Over. 1344 01:12:39.800 --> 01:12:43.439 The YEARS because i Lived In cummery city and we 1345 01:12:43.600 --> 01:12:47.079 had bad water over. The years, the drain just just 1346 01:12:48.000 --> 01:12:51.239 the drain and the tub just corroded and it. Needed replacement, 1347 01:12:51.720 --> 01:12:54.680 nothing else just. The drain and of course the drain 1348 01:12:54.800 --> 01:12:58.600 in the tub screws into, the plumbing the pipe underneath. 1349 01:12:58.680 --> 01:13:00.399 The tub and THAT'S what, i. 1350 01:13:00.520 --> 01:13:01.119 Need RIGHT. 1351 01:13:02.800 --> 01:13:04.760 Can i ask, You, Something joe because a lot OF 1352 01:13:04.880 --> 01:13:08.279 times i had an issue one TIME where. 1353 01:13:08.159 --> 01:13:11.359 I HAD to i had to change out, that drain the. 1354 01:13:11.479 --> 01:13:14.640 Whole circle, you know that whole drain circle that goes 1355 01:13:14.720 --> 01:13:17.479 down and it has a it has a stub of 1356 01:13:17.560 --> 01:13:20.239 about four inches that that meets up with the. 1357 01:13:20.319 --> 01:13:21.640 REGULAR drain i know what you're. 1358 01:13:21.680 --> 01:13:25.399 Talking about but on some tubs you have to lift 1359 01:13:25.439 --> 01:13:27.319 the entire tub to get. 1360 01:13:27.399 --> 01:13:28.800 To it is this an. 1361 01:13:28.880 --> 01:13:32.720 Enclosed area like a tub that has an enclosure, around 1362 01:13:32.760 --> 01:13:33.680 it or is this a? 1363 01:13:33.800 --> 01:13:36.000 Freestanding tub what kind of tub? 1364 01:13:36.199 --> 01:13:39.840 Is it it's a free standing tub in a shower 1365 01:13:40.000 --> 01:13:42.720 and it's and it's and the pipes go into an. 1366 01:13:42.760 --> 01:13:46.760 Open basement now here's here's. The deal after, He came so. 1367 01:13:46.880 --> 01:13:49.720 You mean to tell me they could go downstairs and 1368 01:13:49.840 --> 01:13:52.399 do it from downstairs in. The basement if you go 1369 01:13:52.520 --> 01:13:54.079 into your basement and, look up. 1370 01:13:55.960 --> 01:13:56.800 You can see. 1371 01:13:56.840 --> 01:13:59.560 The, pipe yeah but, the wait but but but? 1372 01:13:59.680 --> 01:14:00.239 What Up and? 1373 01:14:00.319 --> 01:14:05.600 Tom is when, HE left i called up. My cousin he. 1374 01:14:05.760 --> 01:14:13.439 Came over we managed to get an Extractor, from amazon 1375 01:14:13.920 --> 01:14:17.399 got and we got the. DRAIN out i Went to 1376 01:14:17.840 --> 01:14:21.439 low picked up, a drain. Came back the whole job 1377 01:14:21.520 --> 01:14:24.199 cost me thirty, eight bucks and my and my and 1378 01:14:24.359 --> 01:14:28.520 my and my baptub is working. JUST fine I just 1379 01:14:28.760 --> 01:14:31.880 i just that he Wanted to he was talking about cutting, 1380 01:14:31.960 --> 01:14:34.840 my PEACE my, tvc pipes and he wanted to do 1381 01:14:34.960 --> 01:14:37.039 all kinds of crap. DOWN there i was having none. 1382 01:14:37.079 --> 01:14:40.840 Of it and so he's, a PLUMBER and i took. 1383 01:14:40.920 --> 01:14:44.680 HIM downstairs i showed him everything so. He knew it's 1384 01:14:44.800 --> 01:14:47.239 not that he can't say he didn't know or something was, 1385 01:14:47.279 --> 01:14:50.119 in closed BECAUSE like, i said it's totally open. Under 1386 01:14:50.159 --> 01:14:53.359 there you could pull the insulation out and you can 1387 01:14:53.439 --> 01:14:56.640 see the pipe goes underneath indside of. The tub none 1388 01:14:56.720 --> 01:14:59.319 of that had to. BE removed i didn't remove any of. 1389 01:14:59.399 --> 01:15:01.960 That STUFF and i was picked off about it because 1390 01:15:01.960 --> 01:15:03.279 you tried to get me for fourteen. 1391 01:15:03.319 --> 01:15:04.199 Hundred bucks. 1392 01:15:05.560 --> 01:15:06.039 Oh, You Know. 1393 01:15:06.560 --> 01:15:11.119 I'M joe, I, Understand, joe joe what's the reason you? 1394 01:15:11.239 --> 01:15:13.640 Called me? I'm sorry, go ahead what's. The, reason well. 1395 01:15:13.800 --> 01:15:18.600 BECAUSE because i was under the misunderstanding that they were 1396 01:15:18.720 --> 01:15:24.239 part of, your troubleshooter recommend recommended no Deal with because 1397 01:15:24.279 --> 01:15:26.079 that's THAT'S why. I call i always go to. 1398 01:15:26.159 --> 01:15:26.840 Your, list. 1399 01:15:28.159 --> 01:15:30.239 Okay they're not on. My LIST but i will tell. 1400 01:15:30.279 --> 01:15:32.920 YOU this i will tell. YOU this i we don't 1401 01:15:32.960 --> 01:15:35.079 get a lot of complaints about. These people i'm gonna 1402 01:15:35.079 --> 01:15:37.199 be honest. With you we do not get a lot 1403 01:15:37.239 --> 01:15:37.760 of complaints. 1404 01:15:37.800 --> 01:15:38.319 About them. 1405 01:15:39.760 --> 01:15:40.399 You didn't, WANT so. 1406 01:15:42.600 --> 01:15:44.880 I know but HERE'S what i want. To say, ANOTHER 1407 01:15:44.960 --> 01:15:48.760 thing i want, to say pricing is very. Very difficult 1408 01:15:50.159 --> 01:15:56.600 we don't. Control pricing it's very DIFFICULT to i don't 1409 01:15:56.600 --> 01:15:59.119 know HOW do i put this to to to, police 1410 01:15:59.199 --> 01:16:03.840 pricing because so many people they have, book pricing and 1411 01:16:04.000 --> 01:16:07.520 he sees that drain and, that replacement and he just 1412 01:16:07.640 --> 01:16:10.159 goes to the book and says it's going to be fourteen. 1413 01:16:10.279 --> 01:16:13.920 HUNDRED bucks i think, You're, right. Joe though. 1414 01:16:15.359 --> 01:16:19.479 Book pricing in some ways turns out to, be very very. 1415 01:16:19.920 --> 01:16:23.880 Very EXPENSIVE but i don't think you would get it 1416 01:16:23.960 --> 01:16:27.760 done cheaper by any. CERTIFIED plumber i don't. THINK so 1417 01:16:28.439 --> 01:16:29.119 i think that. 1418 01:16:29.640 --> 01:16:32.319 What you did do it yourself is a way, to 1419 01:16:32.439 --> 01:16:35.800 GO but i don't think do you think another company 1420 01:16:35.880 --> 01:16:37.239 would have done? IT cheaper. 1421 01:16:38.520 --> 01:16:38.560 I. 1422 01:16:38.680 --> 01:16:40.840 DON'T know i just think that it comes down, to. 1423 01:16:40.960 --> 01:16:44.920 HONESTY dumb, i, think yeah the thing, about, it well. 1424 01:16:44.800 --> 01:16:47.960 Thanks for, calling, Us, though joe thanks for. CALLING us, 1425 01:16:48.079 --> 01:16:50.560 I mean i don't blame you for, being UPSET but 1426 01:16:50.720 --> 01:16:52.840 i don't think it was a. RIP off i think 1427 01:16:53.279 --> 01:16:53.960 it's what we're. 1428 01:16:54.039 --> 01:16:58.560 Facing today companies are charging to, do work and many 1429 01:16:58.640 --> 01:17:03.000 time consumers they don't put the value to it and 1430 01:17:03.079 --> 01:17:05.640 they don't think it's. WORTH it, i mean it's it's 1431 01:17:05.760 --> 01:17:08.720 happening all over. The place it's not just, with, plumbing 1432 01:17:09.119 --> 01:17:11.439 hating cooling And ELECTRIC did i hear someone? 1433 01:17:11.520 --> 01:17:14.560 SHINE in i just wanted to say. IT'S bo i 1434 01:17:14.720 --> 01:17:18.319 just had a Comment. FOR joe i think that's probably a. 1435 01:17:18.479 --> 01:17:22.479 REASONABLE price i don't think they were ripping, him OFF 1436 01:17:22.800 --> 01:17:25.560 but i just think it's ironic that he Goes and 1437 01:17:25.920 --> 01:17:30.359 joe didn't get ripped off because he had fortitude to 1438 01:17:30.560 --> 01:17:34.039 think about the job and try to go a. Different 1439 01:17:34.119 --> 01:17:38.720 direction so you went. To home it's like the electrician 1440 01:17:38.840 --> 01:17:42.079 that comes out and installs a light a switch in 1441 01:17:42.159 --> 01:17:44.000 your house for one hundred and, fifty dollars and the 1442 01:17:44.039 --> 01:17:46.600 switch is. Two dollars it's just the way it is 1443 01:17:46.760 --> 01:17:50.000 for training and truck time, and advertising and just the way. 1444 01:17:50.079 --> 01:17:51.319 IT is i don't think look. 1445 01:17:51.359 --> 01:17:53.880 At it Look at we're never going to there's always 1446 01:17:54.000 --> 01:17:57.960 going to be the perception that pricing is out of 1447 01:17:58.119 --> 01:18:01.159 whack when people start to doing their own pricing of 1448 01:18:01.319 --> 01:18:04.760 parts and then they start multiplying the labor and they 1449 01:18:04.840 --> 01:18:07.640 start they what they don't look at is this a 1450 01:18:07.720 --> 01:18:10.640 plumbing company OR an hvac company or any kind. Of 1451 01:18:10.720 --> 01:18:13.920 company let's just say they have thirty or forty vans on. 1452 01:18:14.000 --> 01:18:18.640 The street they have to account for an hourly rate 1453 01:18:19.039 --> 01:18:21.760 to keep those vans on the street just. 1454 01:18:21.960 --> 01:18:25.239 Sitting there that van costs. Them MONEY and i know 1455 01:18:25.760 --> 01:18:26.520 that they can. 1456 01:18:26.560 --> 01:18:30.439 Never do it as cheaply ever than someone going out 1457 01:18:30.479 --> 01:18:33.199 and buying a part and getting their cousin to help 1458 01:18:33.239 --> 01:18:36.039 them put. It in they're never going to ever beat that, 1459 01:18:36.199 --> 01:18:40.399 price ever but they're not. Trying to, And again i'm 1460 01:18:40.439 --> 01:18:43.960 not saying that you should pay anything at, any time 1461 01:18:44.359 --> 01:18:45.760 but it's not necessarily. 1462 01:18:45.880 --> 01:18:48.039 A ripoff there's a cost. 1463 01:18:47.880 --> 01:18:50.880 Of, doing business and you're always going to have that 1464 01:18:51.119 --> 01:18:55.520 cost of doing business underlying the. Actual repair so there's 1465 01:18:55.560 --> 01:18:58.600 a cost just going to your home and being there 1466 01:18:59.039 --> 01:19:02.359 and having all the insurance and all of the licensing 1467 01:19:02.760 --> 01:19:03.560 and all of. 1468 01:19:03.680 --> 01:19:04.520 These stuff to be. 1469 01:19:04.640 --> 01:19:08.039 In business now there are people listening to me, right now, whill, SAY, 1470 01:19:08.520 --> 01:19:10.199 ah bs you know that's. 1471 01:19:10.279 --> 01:19:14.119 Too, much well unless you're in business, doing it you don't. 1472 01:19:14.199 --> 01:19:14.239 KNOW. 1473 01:19:14.359 --> 01:19:16.960 That jr you have a question on. 1474 01:19:17.079 --> 01:19:20.560 Roof certifications, go ahead what is your question on that? 1475 01:19:20.680 --> 01:19:22.439 Roof citation how will that help on? 1476 01:19:22.560 --> 01:19:24.279 Insurance rates. 1477 01:19:26.640 --> 01:19:31.880 So the, roof certification it's okay for real. 1478 01:19:32.000 --> 01:19:35.439 Estate transactions it probably wouldn't get you any discount or 1479 01:19:35.520 --> 01:19:36.720 help with, your, insurance right. 1480 01:19:36.720 --> 01:19:41.119 Not, A discount but some insurance companies do require that 1481 01:19:41.319 --> 01:19:45.920 you replace a roof upon initial inspection many times when, 1482 01:19:45.960 --> 01:19:49.199 YOU ensure i mean when you're buying a property and 1483 01:19:49.359 --> 01:19:51.520 you go to get, homeowners insurance. 1484 01:19:51.920 --> 01:19:55.399 They want you to replace. Your roof so if you 1485 01:19:55.520 --> 01:19:58.840 can show them a five, YEAR certification i think it. 1486 01:19:58.920 --> 01:20:02.000 Might help but you know what we're, GONNA. Do jr we're. 1487 01:20:01.840 --> 01:20:05.079 Gonna Ask compass insurance group to weigh in. On that 1488 01:20:06.000 --> 01:20:08.159 so so hang on and let's try To get Compass 1489 01:20:08.239 --> 01:20:15.760 on right after This tal, artino here We Got brian 1490 01:20:15.840 --> 01:20:21.119 Burns From compass, insurance group, and uh it's it's really 1491 01:20:21.159 --> 01:20:25.479 good to. Talk about, hold on the guy was asking, 1492 01:20:25.560 --> 01:20:29.199 about uh, let's, see. 1493 01:20:30.760 --> 01:20:34.119 Rich what is he asking? About? Certification, oh, no, no, 1494 01:20:34.279 --> 01:20:36.680 no yeah but there was ANOTHER thing i had in. Mind, 1495 01:20:36.680 --> 01:20:37.439 too okay, you're right. 1496 01:20:37.600 --> 01:20:40.159 Roof certification but in THE meantime i had a text 1497 01:20:40.239 --> 01:20:44.199 on something. As well but first, And Foremost brian burns the. 1498 01:20:44.319 --> 01:20:50.840 Roof certifications do insurance companies ever ask for a roof 1499 01:20:50.920 --> 01:20:55.119 certification before they will ensure? A, home no because they 1500 01:20:55.239 --> 01:20:57.359 really roof certifications don't really. 1501 01:20:57.439 --> 01:21:01.640 Mean anything the roofers aren't certifying anything as far as. 1502 01:21:01.680 --> 01:21:03.960 A guarantee they're just giving you an opinion of what 1503 01:21:04.079 --> 01:21:07.439 they think the. Roof is but it's never going to 1504 01:21:08.079 --> 01:21:10.840 be anything that sways an. Insurance company the only thing 1505 01:21:10.880 --> 01:21:13.000 they really want to know is if you're buying a 1506 01:21:13.079 --> 01:21:15.520 house and no one knows when the roof was, last 1507 01:21:15.600 --> 01:21:18.479 replaced that there's just no evidence. Of it AND what 1508 01:21:18.640 --> 01:21:21.000 i could use a certification for is really not the 1509 01:21:21.079 --> 01:21:24.800 certification more or less what the estimated age of the 1510 01:21:24.920 --> 01:21:27.760 roof according to, the ROOFER and i could probably use 1511 01:21:27.840 --> 01:21:29.760 that as the basis for. 1512 01:21:29.880 --> 01:21:30.960 The, policy. 1513 01:21:32.920 --> 01:21:41.640 Okay under what circumstances do insurance companies require that you replace, 1514 01:21:41.720 --> 01:21:44.479 the roof like when you go to insure. A, house. 1515 01:21:45.079 --> 01:21:47.520 Yeah so what they, Would, do well it's gotten so 1516 01:21:47.720 --> 01:21:50.359 bad at, This, point tom that if a roof is 1517 01:21:50.520 --> 01:21:53.800 over a, certain age a lot of insurance companies won't 1518 01:21:53.800 --> 01:21:56.680 even write. The insurance and that age is so much 1519 01:21:57.279 --> 01:21:59.239 earlier than it used. To be a lot of carriers 1520 01:21:59.439 --> 01:22:02.840 look at a roof over an asphalt roof over ten, 1521 01:22:02.960 --> 01:22:07.359 years old they won't even insure. It anymore now there's carriers, 1522 01:22:07.399 --> 01:22:09.399 that will but there's a lot of them. That won't 1523 01:22:09.720 --> 01:22:12.920 and so really what it boils down, to though with 1524 01:22:13.039 --> 01:22:15.199 the rest of them is if it is an, older 1525 01:22:15.279 --> 01:22:18.000 roof when they do, the inspection if they see that 1526 01:22:18.079 --> 01:22:20.640 the roof is in, poor shape they'll send out that 1527 01:22:20.840 --> 01:22:23.960 thirty day notification. Of cancelation so, they'll, say hey you 1528 01:22:24.119 --> 01:22:26.760 either replace the roof or we're not going to insured. It, anymore, 1529 01:22:28.000 --> 01:22:28.520 so now wait. 1530 01:22:28.560 --> 01:22:32.079 A minute so not only when you first get insurance 1531 01:22:32.920 --> 01:22:35.399 would they require you to, do it but if you're with, 1532 01:22:35.600 --> 01:22:38.359 a company let's say for five or six or, eight 1533 01:22:38.479 --> 01:22:41.600 years and your roof gets, up there they can actually 1534 01:22:41.720 --> 01:22:42.520 make it a condition. 1535 01:22:42.680 --> 01:22:44.560 Of, RENEWAL well. 1536 01:22:44.600 --> 01:22:47.039 I don't see that, as often because you don't really 1537 01:22:47.079 --> 01:22:50.720 see insurance companies very often sending out an inspection. 1538 01:22:51.000 --> 01:22:51.720 At renewal. 1539 01:22:52.199 --> 01:22:55.239 That's abnormal there would have to be some reason. Behind it, 1540 01:22:55.399 --> 01:22:58.600 so no okay will happen in a, policy though is 1541 01:22:58.680 --> 01:23:02.079 a lot of policy. Language now once a roof hits a, 1542 01:23:02.239 --> 01:23:06.880 certain age if it's, ten years fifteen years and, asphalt 1543 01:23:06.960 --> 01:23:09.680 roof once it hits, that age at the, next renewal 1544 01:23:10.159 --> 01:23:12.960 they'll change the actual cash value on. The policy so 1545 01:23:13.079 --> 01:23:16.720 that's how they limit. Their exposure it's not by non. 1546 01:23:16.800 --> 01:23:20.039 Renewing them it's, just, saying okay now we're only going to. Pit, 1547 01:23:20.119 --> 01:23:23.239 play okay appreciated amount after, this year. 1548 01:23:24.760 --> 01:23:26.840 We've seen that a, lot TOO and i don't think 1549 01:23:26.880 --> 01:23:30.720 that the agents are quite communicating that to the customers. 1550 01:23:30.760 --> 01:23:31.640 Well enough you mean. 1551 01:23:31.680 --> 01:23:35.079 The, ACVs, yeah absolutely because the customers they're all under 1552 01:23:35.079 --> 01:23:37.640 the impression that they HAVE in rcv policy and that 1553 01:23:37.720 --> 01:23:38.239 their roof is. 1554 01:23:38.319 --> 01:23:41.079 Fully covered and as soon as that policy, you. 1555 01:23:41.359 --> 01:23:44.800 Have you run across people that after a storm were 1556 01:23:44.880 --> 01:23:46.159 shocked at how much they were going. 1557 01:23:46.239 --> 01:23:49.560 To, get, absolutely absolutely it's been happening, a lot especially this, 1558 01:23:49.680 --> 01:23:52.680 past year because people they have these, three four five 1559 01:23:52.840 --> 01:23:55.399 thousand dollars deductibles all of, a sudden and they're only 1560 01:23:55.439 --> 01:23:58.279 getting paid out maybe two three thousand dollars on. The 1561 01:23:58.439 --> 01:24:01.560 roof and then what happened is the insurance company comes 1562 01:24:01.600 --> 01:24:03.279 in and tells them that if they don't replace, their 1563 01:24:03.359 --> 01:24:05.640 roof they're then going to. Cancel them so they either 1564 01:24:05.720 --> 01:24:08.319 have to pay fully out of pocket or pay this 1565 01:24:08.520 --> 01:24:11.399 three five thousand dollars deductible and only get a couple 1566 01:24:11.520 --> 01:24:12.199 thousand out of. 1567 01:24:12.279 --> 01:24:12.319 The. 1568 01:24:12.439 --> 01:24:16.840 Roof, Man, so brian there are a lot OF people 1569 01:24:16.920 --> 01:24:20.600 i imagine that face having to pay for their, own 1570 01:24:20.680 --> 01:24:23.199 roof and that's something people aren't used. 1571 01:24:23.199 --> 01:24:25.359 To doing, in fact what. 1572 01:24:25.479 --> 01:24:29.359 Percentage, Of, customers henry what percentage of customers are? 1573 01:24:29.439 --> 01:24:32.800 Self pay you know what is really. 1574 01:24:32.720 --> 01:24:36.800 Increased a lot this. Past year you got to remember 1575 01:24:36.840 --> 01:24:38.520 that we had the big storm in twenty three and. 1576 01:24:38.520 --> 01:24:42.239 Twenty four, so yeah. That's true but approximately on a, 1577 01:24:42.319 --> 01:24:45.119 given year would the majority of people still? 1578 01:24:45.159 --> 01:24:47.840 Be, Insurance Absolutely but i'm just saying like there's probably, 1579 01:24:47.920 --> 01:24:51.760 ten percent which is massive compared to five, Years, ago 1580 01:24:52.000 --> 01:24:53.680 okay because nobody would. 1581 01:24:53.479 --> 01:24:56.159 Do, it right and so that number it keeps growing. 1582 01:24:56.239 --> 01:24:59.279 Every year and what happens is we end up financing 1583 01:24:59.359 --> 01:25:02.239 all these custom because not a lot of people have 1584 01:25:02.439 --> 01:25:04.680 thirty forty dollars to just replace. 1585 01:25:04.760 --> 01:25:07.640 Their room, NO pocket i would say, The. 1586 01:25:07.760 --> 01:25:10.960 Roof brian when it comes, to insurance the roof is 1587 01:25:11.000 --> 01:25:11.439 the biggest. 1588 01:25:11.479 --> 01:25:13.680 Single item don't you think it's the. 1589 01:25:13.760 --> 01:25:17.920 Most common claim by. A landslide it Is Why colorado 1590 01:25:18.119 --> 01:25:21.479 insurance is you know why they just can't seem to. 1591 01:25:21.520 --> 01:25:24.239 Make money it is it's, not fires it's. NOT water, 1592 01:25:24.439 --> 01:25:27.439 i mean those are. All claims it is by far 1593 01:25:28.079 --> 01:25:29.880 Hail and win specifically to. 1594 01:25:29.960 --> 01:25:31.479 The roof so but. 1595 01:25:31.600 --> 01:25:34.840 He's right, you know people don't realize how high they're deductibles. 1596 01:25:34.960 --> 01:25:38.039 HAVE gone, i mean we go so overboard on our on. 1597 01:25:38.159 --> 01:25:41.199 Our application i'll have a separate sheet that tells them 1598 01:25:41.359 --> 01:25:44.760 if they're choosing to go actual cash value or if 1599 01:25:44.880 --> 01:25:47.520 it's going to go there at. SOME age i try 1600 01:25:47.560 --> 01:25:49.640 to point it out and make clear, that hey at, 1601 01:25:49.680 --> 01:25:53.720 this age just. What happens and that's really the. 1602 01:25:53.760 --> 01:25:55.359 Right way to, do it because a lot of people 1603 01:25:55.439 --> 01:25:57.920 that we've been running into have no idea and then 1604 01:25:58.079 --> 01:25:59.840 they end up with that point where they have to 1605 01:26:00.039 --> 01:26:00.479 hey out. 1606 01:26:00.560 --> 01:26:04.520 Of pocket, oh man that that is, A, Shocker brian 1607 01:26:04.640 --> 01:26:04.920 thank you. 1608 01:26:05.119 --> 01:26:07.840 Very much for uh and then of course that's where 1609 01:26:07.840 --> 01:26:09.880 you get your free insurance check Up The Insurance health 1610 01:26:09.960 --> 01:26:12.760 center dot com three oh three nine nine six. Nine 1611 01:26:12.840 --> 01:26:15.479 thousand three oh three nine nine six. Nine thousand so 1612 01:26:15.680 --> 01:26:18.920 people remember what he's saying, Is this if you, have 1613 01:26:19.199 --> 01:26:22.760 insurance they'll keep, renewing you but at some point may 1614 01:26:22.920 --> 01:26:26.039 convert you TO an acv and you'll. 1615 01:26:25.880 --> 01:26:29.000 Get some notice in the, mail saying, you know change to. 1616 01:26:29.079 --> 01:26:31.159 Your insurance and a lot of people don't pay attention, 1617 01:26:31.279 --> 01:26:34.800 to it but it's really, important Because As henry Bretts 1618 01:26:34.840 --> 01:26:37.439 At excel, roofing says you may end up with a 1619 01:26:37.520 --> 01:26:40.399 hailstorm one day and then, find out wait, A minute 1620 01:26:40.640 --> 01:26:44.239 i don't have. REPLACEMENT value I have. Acv value and 1621 01:26:44.359 --> 01:26:48.000 we'll go over exactly excuse me how. That works coming 1622 01:26:48.119 --> 01:26:54.960 up On The troubleshooter show right, after This p'l MARTINO 1623 01:26:55.079 --> 01:26:58.520 here threeo three seven to one three talks seven one 1624 01:26:58.560 --> 01:26:58.960 three eight two. 1625 01:26:59.000 --> 01:27:02.399 Five, five chris you want to talk about, Homeowner's, insurance chris? 1626 01:27:02.920 --> 01:27:07.800 Homeowner's insurance, my god has? It been has got? Complicated lately, Go, Ahead, 1627 01:27:07.880 --> 01:27:09.720 Chris yeah. 1628 01:27:09.680 --> 01:27:10.479 I'll give you. 1629 01:27:10.640 --> 01:27:15.199 MY story i was up for Renewal on may Eighth 1630 01:27:15.359 --> 01:27:21.079 From travelers insurance. Homeowners INSURANCE so i guess they sent 1631 01:27:21.159 --> 01:27:23.359 an inspector out to look at my house for, the 1632 01:27:23.439 --> 01:27:27.760 renewal which. Was fine but the NEXT thing, I know 1633 01:27:28.520 --> 01:27:32.000 i Worked With, compass INSURANCE so. I called they called 1634 01:27:32.079 --> 01:27:35.039 me and said that there was an issue with the 1635 01:27:35.239 --> 01:27:39.239 shed that's in. My, backyard now this is just. A 1636 01:27:39.359 --> 01:27:43.760 shed it's got, no electricity. No, plumbing uh you know 1637 01:27:44.640 --> 01:27:48.199 it's It's not it's just a shed for. Storage basically 1638 01:27:49.159 --> 01:27:51.920 so they came back and SAID that i need to 1639 01:27:52.079 --> 01:27:58.359 put gutters profit and fetia on my shed and to 1640 01:27:58.439 --> 01:27:59.520 replace the roof and. 1641 01:27:59.720 --> 01:28:00.319 Paint too. 1642 01:28:01.960 --> 01:28:04.600 Have you ever heard of, that before painting or putting 1643 01:28:04.720 --> 01:28:06.000 gutters on? A shed? 1644 01:28:08.239 --> 01:28:10.359 You KNOW all i can think. IS this, i mean for, 1645 01:28:10.479 --> 01:28:14.760 some reason they're insuring it and they wanted up to a. 1646 01:28:14.880 --> 01:28:15.800 CERTAIN standard i. 1647 01:28:15.840 --> 01:28:18.000 Have, no Idea but i'd like To get brian. Back 1648 01:28:18.079 --> 01:28:19.840 on did You say compass is? 1649 01:28:19.880 --> 01:28:20.000 Your? 1650 01:28:20.039 --> 01:28:20.399 Agent? 1651 01:28:21.720 --> 01:28:22.800 Yes? Yeah? 1652 01:28:23.479 --> 01:28:26.279 Nick okay and who was the who was? The underwriter? 1653 01:28:26.479 --> 01:28:27.760 What insurance. 1654 01:28:28.760 --> 01:28:31.920 The New the travelers was the? Old one told ME 1655 01:28:32.119 --> 01:28:36.279 what i had. To do Nick with compass went through 1656 01:28:38.800 --> 01:28:40.279 exclude my shed. 1657 01:28:40.119 --> 01:28:45.760 Went Through, what okay THAT'S what i was just, hold on, Hold, On, So, 1658 01:28:46.000 --> 01:28:48.600 Chris chris THAT'S what i was going. To ask did 1659 01:28:48.680 --> 01:28:50.079 they exclude? The shed. 1660 01:28:51.439 --> 01:28:53.720 Travelers would not exclude, the SHED so i had to 1661 01:28:53.760 --> 01:28:57.000 go with, Another Company, auto owners and they excluded. The 1662 01:28:57.079 --> 01:29:00.920 shed but my insurance because, OF that i went from 1663 01:29:01.000 --> 01:29:03.439 three thousand dollars a year to six thousand dollars. 1664 01:29:03.479 --> 01:29:03.960 A year. 1665 01:29:06.319 --> 01:29:08.319 Because you Went from Travelers To. 1666 01:29:08.960 --> 01:29:13.439 Auto, owners YES and i excluded the shed in, THE back. 1667 01:29:14.920 --> 01:29:15.479 I get it to. 1668 01:29:15.560 --> 01:29:18.079 Have less what do you Think that i'm paying twice? 1669 01:29:18.119 --> 01:29:18.640 As, much. 1670 01:29:20.479 --> 01:29:23.319 Well but everyone is. Doing that that's not just the, 1671 01:29:23.439 --> 01:29:26.479 you know you understand that everyone's insurance is. Going up 1672 01:29:27.079 --> 01:29:31.880 but did they shop? YOU around i imagine. They, did yes. 1673 01:29:32.039 --> 01:29:35.479 They did my issue IS if i would have done 1674 01:29:35.640 --> 01:29:37.680 all of that work to, my shed which is probably 1675 01:29:37.680 --> 01:29:40.920 about two or three thousand dollars worth, of Work then 1676 01:29:41.039 --> 01:29:43.399 travelers would have come to me at the. SAME rate 1677 01:29:43.520 --> 01:29:46.199 i was paying three thousand dollars, a year, BUT no 1678 01:29:46.399 --> 01:29:48.760 i had to switch and get. It Excluded now i'm 1679 01:29:48.800 --> 01:29:50.279 paying six thousand dollars. 1680 01:29:50.319 --> 01:29:51.119 A year why? 1681 01:29:51.359 --> 01:29:51.600 Is, that. 1682 01:29:53.600 --> 01:29:57.520 Well that's a. Good question are you sure that if 1683 01:29:57.600 --> 01:30:01.239 you did the repairs on your shed that your renewal 1684 01:30:01.279 --> 01:30:05.079 would have been. Much, lower yes it. 1685 01:30:05.079 --> 01:30:06.520 Would have been the same AS one i was thing 1686 01:30:06.640 --> 01:30:08.319 right around thirty two hundred. A, year. 1687 01:30:09.760 --> 01:30:11.119 Well did You ask compass? 1688 01:30:11.119 --> 01:30:13.279 About, it yes THEY. 1689 01:30:13.199 --> 01:30:15.079 Said i have to do the WORK if i want 1690 01:30:15.159 --> 01:30:15.399 them to. 1691 01:30:15.479 --> 01:30:15.880 Cover, ME. 1692 01:30:17.600 --> 01:30:17.840 No i. 1693 01:30:17.960 --> 01:30:20.760 Understand that but did they explain to you that it 1694 01:30:20.800 --> 01:30:25.039 would be cheaper to do the improvements and to take 1695 01:30:25.119 --> 01:30:27.199 the lower renewal or did they? 1696 01:30:27.439 --> 01:30:30.600 You know That's what i'm trying to. Figure out it. 1697 01:30:30.760 --> 01:30:34.079 Sounds likely it sounds like. YOU'RE upset i wanted to. 1698 01:30:34.159 --> 01:30:36.319 MAKE sure i wanted to make sure the purpose of. 1699 01:30:36.359 --> 01:30:39.479 The call are you Upset that compass did not recommend 1700 01:30:39.560 --> 01:30:39.720 that you? 1701 01:30:39.920 --> 01:30:46.760 Keep, Travelers no i'm upset that a shed is, the 1702 01:30:46.960 --> 01:30:50.640 issue something that is worthless on my property and just 1703 01:30:50.800 --> 01:30:54.359 stoeses a lot far and a snowboar that they want 1704 01:30:54.439 --> 01:30:54.840 me to do. 1705 01:30:54.960 --> 01:30:55.600 All this work. 1706 01:30:55.680 --> 01:30:55.920 On, IT. 1707 01:30:57.520 --> 01:30:58.199 No i am on. 1708 01:30:58.359 --> 01:30:59.159 A shed. 1709 01:31:01.319 --> 01:31:03.399 I don't know that's, the ANSWER and i want to 1710 01:31:03.479 --> 01:31:06.640 find out. In, General, so chris you bring up a really. 1711 01:31:06.720 --> 01:31:09.840 Good point so let's Bring up, brian Again because. 1712 01:31:09.560 --> 01:31:13.119 I'd like to ask him, in general why they require certain, 1713 01:31:15.079 --> 01:31:18.800 you know why don't they Require certain why do they 1714 01:31:18.920 --> 01:31:23.239 require certain improvements on? Certain, Things now Henry At, excel 1715 01:31:23.359 --> 01:31:25.960 roofing do you guys get. 1716 01:31:25.920 --> 01:31:27.439 Calls around insurance? 1717 01:31:27.520 --> 01:31:30.840 Renewal time is this a pretty busy time when they 1718 01:31:31.000 --> 01:31:32.199 decide that they need to. 1719 01:31:32.319 --> 01:31:34.399 Do something have you ever heard? Of that you, know what, 1720 01:31:34.680 --> 01:31:35.520 it's not but it. 1721 01:31:35.640 --> 01:31:37.840 Should be and THE reason i say that is because 1722 01:31:38.159 --> 01:31:41.439 these insurance companies are not notifying the homeowners that the 1723 01:31:41.520 --> 01:31:45.039 renewal is changing, their, policy right and so we'd expect 1724 01:31:45.159 --> 01:31:46.640 to get calls or in, that moment but. 1725 01:31:46.760 --> 01:31:50.079 We, Don't okay so you're saying that you get a 1726 01:31:50.159 --> 01:31:54.600 lot of homeowners. Core blindsided, so many, so many so 1727 01:31:54.680 --> 01:31:57.640 many homeowners and they can't get upset, with you but. 1728 01:31:57.720 --> 01:31:57.880 They're. 1729 01:31:58.000 --> 01:32:01.520 Upset, Yeah absolutely and in THIS case i understand why 1730 01:32:01.600 --> 01:32:03.880 he's upset because this is probably a shed that was 1731 01:32:03.960 --> 01:32:06.880 built by like a home Depot or low's or something, 1732 01:32:06.960 --> 01:32:09.119 like that and they don't build them. The code it's 1733 01:32:09.199 --> 01:32:11.680 not really an extension of. The house and then they 1734 01:32:11.760 --> 01:32:13.760 want him to upgrade it to have you. 1735 01:32:13.760 --> 01:32:16.000 Ever come across cases like that where they want him to. 1736 01:32:16.079 --> 01:32:18.960 UPGRADE sheds i haven't really heard of something. 1737 01:32:19.039 --> 01:32:19.760 Like, this no this. 1738 01:32:19.960 --> 01:32:23.439 Is, STRANGE yeah i understand why, it's HAPPENING but I 1739 01:32:23.560 --> 01:32:25.600 agree i think, It's, Wrong, Okay. 1740 01:32:25.479 --> 01:32:26.840 Brian Brian Burns. 1741 01:32:26.880 --> 01:32:30.279 Compass, Insurance, Hey brian so this guy has an outsd 1742 01:32:30.359 --> 01:32:32.720 that he. Just snores all he does is stores a 1743 01:32:32.800 --> 01:32:36.239 lawnmower and a snowblower. In it and he says it's 1744 01:32:36.319 --> 01:32:38.920 just a piece of crap shed on. His property and 1745 01:32:39.600 --> 01:32:42.239 he's with. You guys by, the way he's not complaining about. 1746 01:32:42.239 --> 01:32:45.479 You guys but traveler said that he had to do 1747 01:32:45.600 --> 01:32:46.960 all kinds of improvements on. 1748 01:32:47.079 --> 01:32:49.560 That shed, why Well. 1749 01:32:49.399 --> 01:32:52.720 Because i'm NOT saying i agree, with this because it 1750 01:32:52.880 --> 01:32:56.159 is it has become kind of ridiculous how much they're 1751 01:32:56.239 --> 01:32:59.039 looking at these other structures of this case. Of shed 1752 01:32:59.680 --> 01:33:01.920 they do have coverage, for it and that would be 1753 01:33:01.960 --> 01:33:04.279 the reason they're concerned, About it i'm sure is that they. 1754 01:33:04.359 --> 01:33:07.680 Have coverage it's ten percent of your dwelling limit automatically 1755 01:33:07.760 --> 01:33:12.239 extends for. Other structures so if there was a windstorm 1756 01:33:12.279 --> 01:33:15.279 that blew, it down, let's say or a fire, or, 1757 01:33:15.359 --> 01:33:17.880 something yeah they do have to pay for that other 1758 01:33:18.000 --> 01:33:20.840 structure that in this case. The SHED where i think 1759 01:33:20.880 --> 01:33:22.960 it gets ridiculous is you'll get customers who, ARE like 1760 01:33:23.119 --> 01:33:26.279 i don't care about. The shed it doesn't if it, 1761 01:33:26.520 --> 01:33:28.680 GOES down i don't want. IT replaced i. Don't care 1762 01:33:28.800 --> 01:33:31.840 and even in, those cases some of these insurance companies 1763 01:33:31.880 --> 01:33:33.880 they get to be sticklers. On them, they, said well 1764 01:33:34.159 --> 01:33:36.239 we're not going to ensure it unless you upgraded or 1765 01:33:36.279 --> 01:33:36.760 get rid of it. 1766 01:33:36.880 --> 01:33:38.039 Right now get rid of it. 1767 01:33:38.199 --> 01:33:40.560 Right now but when you say get rid, of it 1768 01:33:40.680 --> 01:33:42.479 can't they simply. Exclude it. 1769 01:33:44.880 --> 01:33:47.720 There are some carriers that will that will actually allow 1770 01:33:47.800 --> 01:33:50.880 you to, exclude it but. Others won't and, they say, 1771 01:33:51.000 --> 01:33:52.359 you know we're going to be on the hook for 1772 01:33:52.439 --> 01:33:54.840 this either way if, something happens even if we try to. 1773 01:33:54.920 --> 01:33:58.840 Exclude it because their policy, language is, you know. Pretty 1774 01:33:58.920 --> 01:34:01.960 rigid it doesn't allow them to actually have these. Carve 1775 01:34:02.000 --> 01:34:04.199 out they know they would have, to defend if, nothing 1776 01:34:04.239 --> 01:34:06.520 else if the person was trying to make a claim. 1777 01:34:06.600 --> 01:34:08.800 On it but it really depends on if you have 1778 01:34:08.880 --> 01:34:12.199 a more underwriting friendly type carrier that's willing to go outside. 1779 01:34:12.239 --> 01:34:15.600 The boxes a Company. Like travelers they're a, good company 1780 01:34:15.680 --> 01:34:17.880 but they're. Pretty rigid they don't really let you go 1781 01:34:18.000 --> 01:34:21.640 outside the lines of what, their policy, you know, SAYING 1782 01:34:21.720 --> 01:34:22.119 right i. 1783 01:34:22.159 --> 01:34:24.119 Want to ask you ABOUT his i want to ask 1784 01:34:24.159 --> 01:34:26.479 you about his renewal. Coming up it's JUST something I 1785 01:34:26.560 --> 01:34:30.640 have i'm curious about when it comes to renewing policies 1786 01:34:30.880 --> 01:34:33.640 and up. Being premiums hold on, a second we got 1787 01:34:33.680 --> 01:34:40.920 more coming up On The troubleshooter. Show Nights tom martinez 1788 01:34:40.960 --> 01:34:42.399 here at three, oh three seven to one to three 1789 01:34:42.560 --> 01:34:44.960 talk seven one three eight two. 1790 01:34:45.000 --> 01:34:49.079 Five, Fives So, brian burns, YOU know i think there's 1791 01:34:49.159 --> 01:34:53.880 a certain amount of confusion when it comes when it 1792 01:34:53.960 --> 01:34:59.560 comes to. Renewing. Insurance yeah in this, particular case let 1793 01:34:59.640 --> 01:34:59.880 me tell you. 1794 01:35:00.000 --> 01:35:03.560 What happened he was told he had to do repairs 1795 01:35:03.600 --> 01:35:05.680 on his shed would have cost him two or three, 1796 01:35:05.760 --> 01:35:08.840 thousand dollars but he said he would have. 1797 01:35:08.880 --> 01:35:11.119 Been removed he would have been renewed. 1798 01:35:11.960 --> 01:35:17.279 For the, old rate and by switching to auto owners 1799 01:35:18.159 --> 01:35:21.439 and excluding, the shed, he said his. 1800 01:35:21.600 --> 01:35:27.279 Premium doubled so that doesn't make sense, to me, He, 1801 01:35:27.520 --> 01:35:31.319 says chris are You sure travelers would have renewed you 1802 01:35:31.439 --> 01:35:31.640 for the. 1803 01:35:31.720 --> 01:35:33.840 Same, rate YES. 1804 01:35:35.199 --> 01:35:36.640 But I guess i don't know what. You mean he 1805 01:35:36.680 --> 01:35:38.399 they would have renewed you for the same rate if 1806 01:35:38.439 --> 01:35:39.319 you didn't Have, The. 1807 01:35:41.159 --> 01:35:44.319 No no if he did the repairs to, the shed 1808 01:35:44.760 --> 01:35:48.159 if he spent two or, three grand they would have 1809 01:35:48.359 --> 01:35:52.600 kept his premium. The same what he did was, excluded 1810 01:35:52.680 --> 01:35:56.039 it and now he's paying double. The premium he said 1811 01:35:56.359 --> 01:35:59.119 it actually would have been better for him to do. 1812 01:35:59.279 --> 01:36:01.479 The, repairs well did? 1813 01:36:01.520 --> 01:36:03.239 You not did you not get the option to? Do 1814 01:36:03.399 --> 01:36:04.119 that couldn't you have? 1815 01:36:04.600 --> 01:36:06.119 Done that or? 1816 01:36:06.239 --> 01:36:08.439 Was it are you saying it wasn't communicated that you could. 1817 01:36:08.319 --> 01:36:10.279 Have that you could have done the repairs and kept. 1818 01:36:10.319 --> 01:36:13.880 The, Policy, no no it was communicated to me that 1819 01:36:14.079 --> 01:36:17.279 the inspector is the one that said you need on 1820 01:36:17.399 --> 01:36:19.239 this side of. The race you need to put a new, 1821 01:36:19.319 --> 01:36:22.800 roof on you need to put, new facia soft, and 1822 01:36:22.960 --> 01:36:26.119 gutters and you need to paint the. Whole, thing okay 1823 01:36:27.239 --> 01:36:30.279 this is on the head that, does, nothing no, no 1824 01:36:30.640 --> 01:36:31.239 plumbing it's. 1825 01:36:31.399 --> 01:36:31.560 It's. 1826 01:36:31.640 --> 01:36:34.319 Shed, YEAH no i, hear You And i'm chris. 1827 01:36:34.479 --> 01:36:37.600 Saying, THAT there i. Get it and it seems ridiculous 1828 01:36:37.640 --> 01:36:39.800 for asking you to. Do that but you knew at 1829 01:36:39.840 --> 01:36:44.720 that point if you, did that you could keep the Policy. With, traveler, Yes, 1830 01:36:45.640 --> 01:36:47.479 okay oh then why. 1831 01:36:47.359 --> 01:36:49.720 Didn't you why didn't you? Do, It chris That's what. 1832 01:36:49.880 --> 01:36:52.399 I'm curious why didn't you choose to do? 1833 01:36:52.560 --> 01:36:56.760 Those, repairs well basically because in The future i'm going 1834 01:36:56.800 --> 01:36:59.119 to rip the shed, down ANYWAY because i plan on building. 1835 01:36:59.199 --> 01:37:01.720 A garage i'm not ready to do, that YET and 1836 01:37:01.800 --> 01:37:05.439 i don't want to spend two or thousand dollars that'll, 1837 01:37:05.880 --> 01:37:07.159 you know last me a year. 1838 01:37:07.239 --> 01:37:07.640 Or, Two. 1839 01:37:09.640 --> 01:37:12.720 Gotcha but don't you end up paying that and increase 1840 01:37:13.119 --> 01:37:15.119 didn't you end up owing that in? Increased? 1841 01:37:15.199 --> 01:37:20.199 Premiums, Yeah exactly SO if i Pay for i'm going 1842 01:37:20.239 --> 01:37:23.560 to end up paying the three thousand dollars. Extra, anyway. 1843 01:37:25.279 --> 01:37:25.840 Well That's why. 1844 01:37:25.880 --> 01:37:28.880 I'm asking if it was up to ME and i 1845 01:37:29.000 --> 01:37:31.800 could do the repairs on the shed and keep a 1846 01:37:31.880 --> 01:37:35.399 lower premium for years, TO come i would do that 1847 01:37:35.680 --> 01:37:36.840 instead of having a. 1848 01:37:37.000 --> 01:37:41.119 Higher, premium yes Sometime when i'm a little bit slower at, 1849 01:37:41.159 --> 01:37:42.399 The work i'm going to do the work. 1850 01:37:42.479 --> 01:37:43.479 On it but this is. 1851 01:37:43.560 --> 01:37:44.479 My point my. 1852 01:37:44.520 --> 01:37:49.319 Point is why is a shed acting like a house 1853 01:37:49.399 --> 01:37:52.159 that someone. Lives in why why do they look at 1854 01:37:52.199 --> 01:37:53.840 a shed the same as they do, my. 1855 01:37:53.920 --> 01:37:58.039 House only because they're house covered if something happens. 1856 01:37:58.119 --> 01:37:59.000 To it that's what my. 1857 01:37:59.119 --> 01:38:02.199 Point was they won't allow us. To exclude they're one 1858 01:38:02.199 --> 01:38:04.439 of the carriers that doesn't allow us to exclude, other 1859 01:38:04.520 --> 01:38:08.199 structures so they're saying we have to pay, for this 1860 01:38:08.359 --> 01:38:11.520 whether you're saying right now. They don't, by contract, they 1861 01:38:11.600 --> 01:38:13.880 DO so i get it was, a law they would 1862 01:38:13.880 --> 01:38:16.840 be on. The HOOK whether, i mean people change when 1863 01:38:16.880 --> 01:38:19.720 there's an. Actual loss sometimes people that said they don't 1864 01:38:19.760 --> 01:38:22.760 care about it before could hold them to the contract 1865 01:38:22.840 --> 01:38:24.960 of course and, SAY no i do want. This covered 1866 01:38:25.359 --> 01:38:27.640 so their, point is if we're going to have to, 1867 01:38:27.720 --> 01:38:30.680 cover it we want it to be, you know appropriately 1868 01:38:30.760 --> 01:38:32.000 addressed some of the problems. 1869 01:38:32.039 --> 01:38:33.600 OF it i. 1870 01:38:33.680 --> 01:38:36.520 Get, it, okay listen thank you very much for calling 1871 01:38:37.039 --> 01:38:37.439 it is a. 1872 01:38:37.520 --> 01:38:41.760 Weird situation but some policies will allow you to include, 1873 01:38:41.760 --> 01:38:45.520 out buildings others. Will not you guys better be looking 1874 01:38:45.560 --> 01:38:49.319 at your premiums and your insurance coverages right now because there. 1875 01:38:49.239 --> 01:38:51.840 Are a lot. Of changes we have more coming Up 1876 01:38:51.880 --> 01:38:53.319 On The. Troubleshooter Show. 1877 01:39:01.560 --> 01:39:06.880 Ripped news need it so you don't have. 1878 01:39:09.560 --> 01:39:11.000 Run in just as as. 1879 01:39:11.039 --> 01:39:13.760 We can shooter's gonna. 1880 01:39:13.880 --> 01:39:15.039 Help come. 1881 01:39:16.279 --> 01:39:17.159 This Is The. 1882 01:39:17.359 --> 01:39:24.680 Troubleshooter Show No, Tom, Martino Hey tom, Martino here welcome to. 1883 01:39:24.760 --> 01:39:27.359 The show three oh three seven one three talk seven 1884 01:39:27.399 --> 01:39:30.079 one three eight two. FIVE five i can safely say 1885 01:39:30.159 --> 01:39:32.920 this is a show where we discuss everything, And anything 1886 01:39:33.399 --> 01:39:37.159 and unlike any, other show we actually talk about, everyday 1887 01:39:37.279 --> 01:39:40.399 life the things that make, you tick the things that tick. 1888 01:39:40.479 --> 01:39:45.319 You off, All RIGHT so i asked about THE room 1889 01:39:45.439 --> 01:39:46.880 ba and got some quite. 1890 01:39:47.000 --> 01:39:52.520 Interesting texts, one says it works PERFECTLY and i never 1891 01:39:52.640 --> 01:39:55.159 have those little specks on the floor that catch, the 1892 01:39:55.279 --> 01:40:00.439 eye and it keeps my pet hair. All vacuum another 1893 01:40:00.479 --> 01:40:04.079 one said it's a piece. Of garbage it's the WORST 1894 01:40:04.159 --> 01:40:08.039 investment i. Ever made it, gets stuck it doesn't know where, 1895 01:40:08.079 --> 01:40:12.239 it is and really it's made for a square apartment with. 1896 01:40:12.439 --> 01:40:16.399 No OBSTACLES but i don't know if. That's, True NOW 1897 01:40:17.279 --> 01:40:19.560 deputy d has a friend who has one or two 1898 01:40:19.640 --> 01:40:21.920 of them in their home and it. Roams. 1899 01:40:21.960 --> 01:40:24.680 Around yeah they both works. Just great they just kind 1900 01:40:24.680 --> 01:40:27.159 of roam around during quiet hours and they suck Up THE. 1901 01:40:27.479 --> 01:40:28.920 Like i was going to, ask you how do you 1902 01:40:29.039 --> 01:40:30.600 know what hours do you? Program? 1903 01:40:30.680 --> 01:40:33.359 It yeah they have a phone app and so you 1904 01:40:33.479 --> 01:40:35.840 put in the quiet hours or whenever you want these 1905 01:40:35.920 --> 01:40:38.560 things to be excluded, from operating or when you want 1906 01:40:38.560 --> 01:40:38.760 them to. 1907 01:40:38.840 --> 01:40:41.840 Be operated they. Creep around they they find their way 1908 01:40:41.880 --> 01:40:43.079 back to, their base find. 1909 01:40:42.920 --> 01:40:43.279 Their way to. 1910 01:40:43.319 --> 01:40:45.399 Their base but more, than that they dock with, a 1911 01:40:45.479 --> 01:40:48.560 base and the dock has another vacuum inside, of it 1912 01:40:48.640 --> 01:40:51.000 and it sucks all the trash out of the vacuum 1913 01:40:51.039 --> 01:40:54.079 cleaner robot into. The base what kind of what kind? 1914 01:40:54.199 --> 01:40:56.680 IS that i don't remember that it's one of the two. 1915 01:40:56.760 --> 01:41:00.279 Big Brands It's eye Robot. OR rumba i think those are. 1916 01:41:00.279 --> 01:41:02.520 The two, And man i'm, Telling you i've seen what's 1917 01:41:02.560 --> 01:41:05.439 inside that home base and it looks exactly like the 1918 01:41:05.520 --> 01:41:08.159 inside of a like one of those dust collection bags in. 1919 01:41:08.159 --> 01:41:09.359 The vacuum BUT when i look. 1920 01:41:09.239 --> 01:41:12.359 Around in an apartment or a house OR first i 1921 01:41:12.439 --> 01:41:14.880 look at the Floor and, i'm thinking how will it 1922 01:41:14.960 --> 01:41:17.800 ever know where? IT'S going, i mean there's so many 1923 01:41:18.039 --> 01:41:19.159 cracks and crevices. 1924 01:41:19.239 --> 01:41:23.359 And metal hey d It map so it's got bumpers 1925 01:41:23.399 --> 01:41:26.039 built around it and also has some sensory devices that 1926 01:41:26.119 --> 01:41:29.760 can see and so you will see some obstacles before it, 1927 01:41:29.920 --> 01:41:33.439 contacts them and other obstacles will contact them and remember 1928 01:41:33.520 --> 01:41:36.840 where this obstacle is so you'll avoid it in. 1929 01:41:36.920 --> 01:41:39.640 The future trends have a go. AHEAD doc i JUST 1930 01:41:39.760 --> 01:41:42.279 found i. HAD one i used it for three DAYS 1931 01:41:42.800 --> 01:41:45.319 and i found that it doesn't work. On carpet it 1932 01:41:45.439 --> 01:41:49.399 works great on hardwood floors or, vinyl floors but not 1933 01:41:49.640 --> 01:41:52.159 very well on carpet because it doesn't have the weight 1934 01:41:52.520 --> 01:41:56.000 to get down between. The threads THAT'S what. I, FOUND 1935 01:41:56.439 --> 01:41:57.399 oh i. 1936 01:41:57.439 --> 01:41:59.560 Think it depends on the length of the, Carpet too 1937 01:41:59.720 --> 01:42:01.680 BUT all i know is mine gets stuck. 1938 01:42:01.760 --> 01:42:01.920 Under. 1939 01:42:01.920 --> 01:42:04.760 It wall you, HAVE one, i do and. It works i've. 1940 01:42:04.880 --> 01:42:07.199 LOST it i don't know where. It is it's under 1941 01:42:07.239 --> 01:42:10.079 a bed or a couch. Or. Something, yeah now the 1942 01:42:10.159 --> 01:42:10.880 one thing to watch. 1943 01:42:10.960 --> 01:42:13.199 Out For and I'VE seen i don't have experience with, 1944 01:42:13.319 --> 01:42:15.399 this Personally but i've seen lots Of well i've seen 1945 01:42:15.399 --> 01:42:18.439 a couple. Of videos if your dog or cat leaves 1946 01:42:18.479 --> 01:42:20.880 a certain present in the middle of, the floor like, A, 1947 01:42:20.960 --> 01:42:24.119 poop yeah and the machine doesn't, recognize. 1948 01:42:23.600 --> 01:42:27.119 It you won't believe. The mess it spreads a whole over. 1949 01:42:27.199 --> 01:42:28.239 The house oh. 1950 01:42:28.359 --> 01:42:30.399 My, God yeah so you gotta be careful if you 1951 01:42:30.640 --> 01:42:31.960 if one of, your animals. 1952 01:42:31.840 --> 01:42:33.880 When, you say doesn't, recognize it does it have a 1953 01:42:33.960 --> 01:42:37.600 way to recognize? SOFT things i mean not, just poop but. 1954 01:42:37.720 --> 01:42:40.439 Anything soft it could it could spread. 1955 01:42:40.159 --> 01:42:43.359 All, over. Yeah. Exactly yeah if you have doesn't sense, 1956 01:42:43.439 --> 01:42:44.159 SOFT things i. 1957 01:42:44.199 --> 01:42:45.720 DON'T know i don't, like like if. 1958 01:42:45.760 --> 01:42:48.680 You spilled let's just say like a scoop of ice cream. 1959 01:42:48.760 --> 01:42:52.239 Was spilled technically it was spread. It all i'll bet 1960 01:42:52.319 --> 01:42:53.119 you will go all over. 1961 01:42:53.199 --> 01:42:53.319 Your. 1962 01:42:53.359 --> 01:42:57.479 HOUSE now i saw one where you add water and 1963 01:42:57.600 --> 01:42:59.920 it actually has a light miss. To, it oh that'd be. 1964 01:43:00.039 --> 01:43:03.600 Pretty cool or you can add a, floor cleaner SO 1965 01:43:03.920 --> 01:43:07.199 rumas i want some real. Life Experiences doct you said 1966 01:43:07.239 --> 01:43:09.079 you had yours a few days that you did you? 1967 01:43:09.199 --> 01:43:10.399 RETURN it i sent. 1968 01:43:10.520 --> 01:43:13.720 It, back yeah it just wasn't? 1969 01:43:13.760 --> 01:43:14.680 Which kind did you have? 1970 01:43:15.920 --> 01:43:16.760 A rumba. 1971 01:43:18.680 --> 01:43:21.319 And did you say it wasn't cleaning the carpet? 1972 01:43:21.319 --> 01:43:24.199 At all cleaning the carpet, very well because in order 1973 01:43:24.279 --> 01:43:27.279 to get stuff that's down in, the piles you need, 1974 01:43:27.359 --> 01:43:30.640 some weight and it doesn't have enough weight to get 1975 01:43:30.720 --> 01:43:31.600 really down into the. 1976 01:43:31.680 --> 01:43:32.960 CARPET fibers. 1977 01:43:35.399 --> 01:43:38.039 I don't understand why. You, would, MAYBE okay i see 1978 01:43:38.039 --> 01:43:42.279 what you're. Saying, NOW anyway i now had another text 1979 01:43:42.319 --> 01:43:47.079 saying that they use it only in certain areas and 1980 01:43:47.319 --> 01:43:49.119 block it off to other areas where it's. 1981 01:43:49.159 --> 01:43:52.600 More complicated, and again you can program it, yourself too 1982 01:43:52.720 --> 01:43:53.079 right is? 1983 01:43:53.159 --> 01:43:53.920 That right Deputy? 1984 01:43:54.000 --> 01:43:58.079 D uh you could program its hours. Of operation, oh 1985 01:43:58.159 --> 01:44:00.840 oh you can also exclude it from certain parts. 1986 01:44:00.880 --> 01:44:03.000 Of you THAT'S what. I, meant okay you can exclude 1987 01:44:03.000 --> 01:44:05.520 it from. Certain, parts yeah it's a very. 1988 01:44:05.600 --> 01:44:06.079 Convenient. 1989 01:44:06.159 --> 01:44:12.319 Thing okay and then on, another topic someone took exception. 1990 01:44:12.520 --> 01:44:17.640 To it then someone ELSE said i was. Exactly right We, 1991 01:44:17.880 --> 01:44:21.079 get okay if you figure out how Many calls i've 1992 01:44:21.159 --> 01:44:24.920 taken in forty five years and fifty years if you 1993 01:44:25.039 --> 01:44:29.640 count Outside, of denver but or fifty. One years if 1994 01:44:29.720 --> 01:44:33.439 you think, about this all The calls, i've taken and 1995 01:44:33.520 --> 01:44:38.800 all the categoric categorizing, of calls and there's one set 1996 01:44:39.439 --> 01:44:43.640 or subset, of PEOPLE and i don't know even what to, 1997 01:44:43.760 --> 01:44:46.960 call Them but i'm going to explain them. 1998 01:44:47.000 --> 01:44:47.199 To you. 1999 01:44:49.079 --> 01:44:53.319 They don't hold. A job they are disabled by their. 2000 01:44:53.359 --> 01:44:58.319 Own definition they have a sensitivity to mold or raidon, 2001 01:44:58.479 --> 01:45:04.239 or asbestos or they're, deathly ill, they're dying although they 2002 01:45:04.319 --> 01:45:12.960 have no. Real diagnosis but they are, totally. Helpless totally. 2003 01:45:14.560 --> 01:45:21.600 They're either on, food stams, social, services medicare disability or something. 2004 01:45:21.760 --> 01:45:22.000 Like that. 2005 01:45:23.880 --> 01:45:27.640 They depend totally on friends and neighbors and relatives to 2006 01:45:27.720 --> 01:45:32.680 help them through. Their rut or they're completely alone and 2007 01:45:32.800 --> 01:45:36.359 they blame everything and everyone for. 2008 01:45:36.479 --> 01:45:42.079 Their problems everyone they have never once, Taken responsibility they've 2009 01:45:42.159 --> 01:45:46.640 never admitted to. Being lazy the world owes them and 2010 01:45:46.760 --> 01:45:47.000 they are. 2011 01:45:47.239 --> 01:45:51.399 Total, Losers, HEY tom i don't get a lot Of, Calls, 2012 01:45:54.039 --> 01:45:55.920 munchausen yeah by proxy Or. 2013 01:45:56.039 --> 01:45:57.960 Just lunchausen so this may be. 2014 01:45:58.079 --> 01:46:01.520 Which one this may Be, emotional munchausen where You know 2015 01:46:01.720 --> 01:46:02.920 munchausen is. 2016 01:46:03.000 --> 01:46:04.560 Where you think that you're sick with. 2017 01:46:04.720 --> 01:46:08.880 Physical illnesses this may be a Subset of munchausen where 2018 01:46:08.920 --> 01:46:09.920 there's they think they're. 2019 01:46:10.000 --> 01:46:12.119 Sick, PSYCHOLOGICALLY. 2020 01:46:13.239 --> 01:46:15.880 Well i don't even know if they think they're they're. 2021 01:46:16.000 --> 01:46:19.399 PSYCHOLOGICALLY sick i think they just think. They're sick. They're 2022 01:46:19.479 --> 01:46:23.800 disabled they they latch, onto disability they want to. Be 2023 01:46:23.920 --> 01:46:27.880 disabled they literally talk about their disability all. 2024 01:46:27.960 --> 01:46:34.359 The time, and yeah that's. Exactly Right and. 2025 01:46:34.520 --> 01:46:37.800 Munchausen by proxy would be where you do that with 2026 01:46:37.960 --> 01:46:42.560 a child instead of yourself to. Get attention correct and 2027 01:46:42.920 --> 01:46:47.039 and sometimes There's munch munchausen by proxy with, Pets Even 2028 01:46:47.680 --> 01:46:51.840 but munchausen syndrome is basically you got something wrong. With, 2029 01:46:51.920 --> 01:46:56.000 You right you've heard these calls on. My show you've 2030 01:46:56.079 --> 01:46:59.560 heard them and you've tried to. Navigate them AND and 2031 01:46:59.640 --> 01:47:02.199 i don't always tell it like. IT is, i mean 2032 01:47:02.239 --> 01:47:05.960 we have a culture now where anything goes and everything, 2033 01:47:06.119 --> 01:47:07.560 is recognized. 2034 01:47:07.479 --> 01:47:09.000 But we got to call a loser. 2035 01:47:09.039 --> 01:47:14.279 A loser we do people who latch, onto disability people 2036 01:47:14.319 --> 01:47:18.520 who latch. Onto sickness i'm not talking about genuinely disabled 2037 01:47:18.560 --> 01:47:21.680 people or people who are striving to get along. Every 2038 01:47:21.760 --> 01:47:26.560 day i'm talking about people who latch onto symptoms and 2039 01:47:26.760 --> 01:47:31.479 search for, a diagnosis and it always centers around something they, 2040 01:47:31.560 --> 01:47:34.399 can blame and most a lot of it. 2041 01:47:34.520 --> 01:47:34.560 Is. 2042 01:47:34.680 --> 01:47:36.159 Mold, Okay now i'm not. 2043 01:47:36.279 --> 01:47:38.800 Saying there aren't people who get sick, by Mold but 2044 01:47:38.920 --> 01:47:41.159 i'll bet you the vast majority of people that call 2045 01:47:41.239 --> 01:47:45.520 me about mold illness, are, crazy okay and radon, and 2046 01:47:45.640 --> 01:47:48.880 asbestos because first, of all the exposure to those things 2047 01:47:49.239 --> 01:47:53.520 have to be so long and so deep and so 2048 01:47:53.920 --> 01:47:56.560 plentiful that there's no doubt. 2049 01:47:56.600 --> 01:47:59.279 About it it's not just living in an apartment that 2050 01:47:59.399 --> 01:48:00.239 had some mold for. 2051 01:48:00.319 --> 01:48:04.199 A month we've had families who call this SHOW and 2052 01:48:04.359 --> 01:48:06.399 i Swear, to god everyone in their family. 2053 01:48:06.520 --> 01:48:07.800 Is sick they say because of. 2054 01:48:07.880 --> 01:48:12.159 This mold and what's really funny is it's only after 2055 01:48:12.239 --> 01:48:14.880 they discover the mold then they go back and they 2056 01:48:14.960 --> 01:48:19.520 do a revision of their whole. Health history it's not just, 2057 01:48:19.640 --> 01:48:25.560 going forward but they revise. Their past, oh yeah come 2058 01:48:25.640 --> 01:48:27.319 to think, OF it i haven't been feeling. 2059 01:48:27.399 --> 01:48:29.199 Too well and this. Is, why. 2060 01:48:31.079 --> 01:48:34.600 Now in addition to having the substance to blame or 2061 01:48:34.680 --> 01:48:39.520 the condition, to blame sometimes they, blame people or they, 2062 01:48:39.600 --> 01:48:45.319 blame jobs or they blame, invisible demons people spying, on 2063 01:48:45.479 --> 01:48:47.439 them or people out to, get. 2064 01:48:47.359 --> 01:48:53.680 Them or a neighbor or a friend who. Turned foe it's. 2065 01:48:53.720 --> 01:48:58.920 A shame it's. A SHAME and i can identify them almost, 2066 01:48:59.279 --> 01:49:00.960 at hello almost. 2067 01:49:01.000 --> 01:49:07.720 That hello it's a certain Type, Of. Hello tom it's 2068 01:49:07.840 --> 01:49:16.560 like or they're totally bat. Crap, crazy now i'd like 2069 01:49:16.680 --> 01:49:21.479 to know do you like. Your roomba i'm thinking about. 2070 01:49:21.239 --> 01:49:25.079 Getting One but i'm not sure which kind. 2071 01:49:25.119 --> 01:49:25.560 Of get. 2072 01:49:27.079 --> 01:49:29.479 Let me know if you like it. Or, Not okay 2073 01:49:30.479 --> 01:49:33.279 speaking of, emotional distress. 2074 01:49:35.399 --> 01:49:43.960 What would you say is the most depressing job or 2075 01:49:44.159 --> 01:49:46.239 area of jobs if you had to. 2076 01:49:46.279 --> 01:49:54.520 Pick one there has been a very, extensive no believe it, Or, 2077 01:49:54.560 --> 01:49:59.119 not no there has been an extensive study done on 2078 01:49:59.279 --> 01:50:07.479 the most depressing Jobs. In america how the mental. 2079 01:50:07.520 --> 01:50:11.399 Health studies we got to listen to problems all, day 2080 01:50:11.439 --> 01:50:12.159 long eight hours. 2081 01:50:12.159 --> 01:50:12.640 A day. 2082 01:50:14.319 --> 01:50:15.560 Researchers say. 2083 01:50:16.880 --> 01:50:21.479 That this needs to serve as a giant wake up 2084 01:50:21.600 --> 01:50:26.760 call to employers so they can they can design mental 2085 01:50:26.840 --> 01:50:28.520 health benefits to help. 2086 01:50:28.560 --> 01:50:35.079 These people so they analyzed a half A million. Us 2087 01:50:35.239 --> 01:50:42.319 workers the data was collected between twenty fifteen and. Twenty nineteen. 2088 01:50:43.680 --> 01:50:50.119 There were eighty thousand cases of depression within. That grouping 2089 01:50:51.439 --> 01:50:57.279 some industries stood out as. Especially grim other industries stood. 2090 01:50:56.960 --> 01:51:01.960 Out as being. Very healthy oh, my god you're not 2091 01:51:02.039 --> 01:51:04.720 gonna believe what. Just, HAPPENED no i swear. TO you 2092 01:51:05.279 --> 01:51:07.560 i oh. MY god i didn't even type. 2093 01:51:07.600 --> 01:51:11.960 It In so i'm looking at a newspaper and reading 2094 01:51:12.039 --> 01:51:14.479 about this the most depressing Jobs. 2095 01:51:14.479 --> 01:51:15.800 In america and. 2096 01:51:16.000 --> 01:51:19.119 Guess, what look, Come. Here dmitri look what? Came Up, 2097 01:51:19.560 --> 01:51:21.119 look look. 2098 01:51:22.439 --> 01:51:27.920 Look o. The roomba look at the room bay. 2099 01:51:28.399 --> 01:51:31.479 You, no no it has the next era as cleaning, 2100 01:51:31.520 --> 01:51:35.000 has arrived THE room. Ba compactor but but Here's what i'm. 2101 01:51:35.000 --> 01:51:40.000 GETTING at i never typed that. IN anywhere i did 2102 01:51:40.079 --> 01:51:40.520 not Do a. 2103 01:51:40.640 --> 01:51:42.359 GOOGLE search i did NOT do. 2104 01:51:42.840 --> 01:51:45.600 I didn't you don't have to because you're it was listening. 2105 01:51:45.720 --> 01:51:48.760 To me your phone AND your tv said behind you 2106 01:51:48.920 --> 01:51:49.920 are both listening to. 2107 01:51:50.039 --> 01:51:54.319 You, people seriously you heard me just say what is, 2108 01:51:54.359 --> 01:51:55.880 the best what do you think of? Your room blah 2109 01:51:55.920 --> 01:51:58.439 blah blah blah, blah blah never typed a. Thing IN 2110 01:51:59.039 --> 01:52:02.039 then i went to this study on the most depressing 2111 01:52:02.199 --> 01:52:05.199 Jobs in AMERICA that i had flagged earlier today to. 2112 01:52:05.319 --> 01:52:09.359 Talk about AND when i brought that, article up the 2113 01:52:09.600 --> 01:52:12.319 ads being inserted now are all. 2114 01:52:12.279 --> 01:52:14.640 About the roomba and. 2115 01:52:14.760 --> 01:52:18.000 The eyebots told you and, You people you people have 2116 01:52:18.279 --> 01:52:19.600 THOUGHT that i was crazy all. 2117 01:52:19.640 --> 01:52:24.439 This time you did not even type it. In something 2118 01:52:24.720 --> 01:52:27.000 my laptop. Is listening this Is what i've been. 2119 01:52:27.039 --> 01:52:29.640 Telling you and it's not just, your laptop it's your 2120 01:52:29.720 --> 01:52:32.399 phone and that television behind you that wanted to know 2121 01:52:32.520 --> 01:52:34.520 your birth date the day you bought. 2122 01:52:34.560 --> 01:52:40.199 That television do you? Remember, that yeah this is, scary. Stuff, 2123 01:52:40.239 --> 01:52:43.359 folks anyway let me get to the most. Depressing jobs. 2124 01:52:44.840 --> 01:52:54.000 Social services those involved in social work have the leading depression. 2125 01:52:55.119 --> 01:52:55.520 In these. 2126 01:52:55.680 --> 01:52:59.800 Measured careers do you know what number, two is which just, 2127 01:53:00.000 --> 01:53:04.720 shocked me food prep and serving The FOOD and i 2128 01:53:04.760 --> 01:53:09.079 don't know the. Food industry so community and social services 2129 01:53:09.680 --> 01:53:14.279 the number one most it's a lifetime. Diagnosed depression by, 2130 01:53:14.319 --> 01:53:18.560 the way they're saying it's permanent when you're in community and. Social, 2131 01:53:18.680 --> 01:53:21.760 services second food prep. 2132 01:53:22.560 --> 01:53:26.760 And serving and by, The way i'm getting more ads 2133 01:53:26.840 --> 01:53:32.199 for these portable vacuums popping up on. THIS survey i 2134 01:53:32.359 --> 01:53:33.720 am honest, TO god i. 2135 01:53:33.800 --> 01:53:33.920 Am. 2136 01:53:34.000 --> 01:53:37.039 SHOCKED now i know people listen, to us but this was, 2137 01:53:37.159 --> 01:53:39.079 Like instant this Was while i'm on. 2138 01:53:39.159 --> 01:53:43.720 The air within three minutes it populated. These ads we 2139 01:53:43.880 --> 01:53:47.039 have more coming up On The. Troubleshooter. SHOW people i know, 2140 01:53:47.319 --> 01:53:49.439 it's crazy. Isn't it stay tuned. 2141 01:53:49.479 --> 01:53:57.560 For More i'm, Martino here welcome to. The show frank 2142 01:53:57.680 --> 01:53:58.520 randareal estate man. 2143 01:53:58.600 --> 01:54:02.000 Dot com will get you a free evaluation of your 2144 01:54:02.039 --> 01:54:02.880 home and what it will. 2145 01:54:02.920 --> 01:54:04.000 Sell for just. 2146 01:54:04.159 --> 01:54:08.039 Ask him he goes through everything supplying demand, your home, 2147 01:54:08.199 --> 01:54:12.960 the comparables, the neighborhood and even interest rates to get 2148 01:54:13.039 --> 01:54:14.960 you a price on what your house will. Sell for 2149 01:54:15.479 --> 01:54:18.439 he has thirty years. Of experience he sells more for 2150 01:54:18.560 --> 01:54:21.319 more money than most real. Estate people three h three 2151 01:54:21.439 --> 01:54:24.439 nine two zero sixteen. Twenty Two, frank rand The realestate Man. 2152 01:54:24.479 --> 01:54:28.159 Dot com ronald wants to talk about a problem he. 2153 01:54:28.279 --> 01:54:34.000 HAD selling i believe selling Or buying Ronald Your. CHEVY 2154 01:54:34.239 --> 01:54:41.159 silverado i, bout, It okay and what's, The? Problem RONALD 2155 01:54:42.560 --> 01:54:42.840 when i? 2156 01:54:43.079 --> 01:54:47.479 Vowed it they sold it too many with a promise and, 2157 01:54:47.680 --> 01:54:51.640 extra warranty and they did not feel. The contract the 2158 01:54:51.760 --> 01:54:55.880 breaks is going through, the floor stipend, won't stop might try. 2159 01:54:55.680 --> 01:54:56.000 To hit a. 2160 01:54:56.079 --> 01:54:58.239 Kid Anything so i'm kind of paranoid. About IT so 2161 01:54:58.319 --> 01:54:58.600 i don't. 2162 01:54:58.720 --> 01:54:58.920 Drive. 2163 01:54:59.000 --> 01:55:04.439 It okay when did you, Buy? IT ronald i Bought. 2164 01:55:04.479 --> 01:55:09.800 It december the field of last year was beginning of the. 2165 01:55:09.920 --> 01:55:12.600 Last year that with the Beginning, of okay just. 2166 01:55:12.640 --> 01:55:13.159 Your Heal. 2167 01:55:15.239 --> 01:55:19.079 So december Of twenty december of twenty. TWENTY four i 2168 01:55:19.199 --> 01:55:21.880 need to ask a few. Questions here you said you 2169 01:55:22.000 --> 01:55:23.600 had an extended warranty they're. 2170 01:55:23.640 --> 01:55:27.560 Not, honoring, YES sir i bought the extra attend the 2171 01:55:27.640 --> 01:55:30.840 wanted the, same day AND like, i said the guy 2172 01:55:30.920 --> 01:55:32.920 said he was going to fix the tires. AND rims 2173 01:55:33.399 --> 01:55:35.840 i brung. It back they didn't do nothing. 2174 01:55:35.920 --> 01:55:36.239 To it. 2175 01:55:37.720 --> 01:55:40.239 They scheduled me had another appointment to. Come back they 2176 01:55:40.279 --> 01:55:41.840 did nothing to it and let me leave with no 2177 01:55:41.960 --> 01:55:44.800 brakes again and. No HAIRLIGHTS and i paid them. 2178 01:55:44.840 --> 01:55:51.439 Off, Cash, okay ronald did they tell you that those 2179 01:55:51.600 --> 01:55:53.920 things would be covered under the? Extended. 2180 01:55:54.000 --> 01:55:58.800 Warranty everything the DAY that i, bought it the man 2181 01:55:58.960 --> 01:56:02.319 came into agreement to fix my, back rims to fix. 2182 01:56:02.399 --> 01:56:05.119 The time did you? Get that did you get? That 2183 01:56:05.239 --> 01:56:11.039 agreement did you get that agreement? In, writing, yes, Sir 2184 01:56:12.159 --> 01:56:13.079 YES and i got. 2185 01:56:13.159 --> 01:56:16.520 A wish no you have on, your okay but on 2186 01:56:16.680 --> 01:56:20.880 your paperwork it says that they're going to fix your brakes. 2187 01:56:23.000 --> 01:56:26.960 Or no my back tires. That's walked, there's, Shaking. 2188 01:56:28.319 --> 01:56:28.600 Okay. 2189 01:56:28.840 --> 01:56:32.479 I'm sorry AND when, i, purchased yes AND when i purchased, 2190 01:56:32.520 --> 01:56:34.319 the VEHICLE which i did. 2191 01:56:35.279 --> 01:56:39.359 So okay so they promised to fix, the shake the 2192 01:56:39.520 --> 01:56:43.039 shake in your rear, excuse me in in the rear of. 2193 01:56:43.079 --> 01:56:43.560 The, car. 2194 01:56:45.479 --> 01:56:48.119 Truck, yes, sir, yes sir rear of. 2195 01:56:48.199 --> 01:56:51.000 The truck and what do? They say what do they say? About? 2196 01:56:51.079 --> 01:56:53.680 That now what do they say? About? That NOW. 2197 01:56:55.439 --> 01:56:57.479 When i, first BROKE when i brung, it IN like, 2198 01:56:57.560 --> 01:56:59.600 I said i voted, The fields they're scheduled me on 2199 01:56:59.640 --> 01:57:02.800 the sieve and take to bring. It in then they looked, 2200 01:57:02.840 --> 01:57:05.479 at it didn't say they couldn't do nothing. ABOUT it, i, 2201 01:57:05.560 --> 01:57:08.039 SAID well i said, during purchase y'all was gonna. Fix 2202 01:57:08.119 --> 01:57:10.640 it and now they said they can't do nothing. About it. 2203 01:57:12.479 --> 01:57:18.600 But did they, say, why, no sir, no reason. No, 2204 01:57:18.760 --> 01:57:21.800 nothing okay we need a, Method, dealer ronald. 2205 01:57:22.159 --> 01:57:25.560 Who's the that's why it was a breach. 2206 01:57:25.640 --> 01:57:28.880 Of contract, but but. 2207 01:57:29.359 --> 01:57:31.840 But, But, ronald ronald we need to look. At, this 2208 01:57:31.960 --> 01:57:34.279 okay we will look. At it we're gonna take a 2209 01:57:34.359 --> 01:57:37.079 look at the contract and that promise that. You have 2210 01:57:37.680 --> 01:57:39.159 what's the name of, The Dealer. 2211 01:57:40.920 --> 01:57:43.079 Bleakers Chevy, And Done? 2212 01:57:43.199 --> 01:57:47.680 North carolina, oh wait It's In. North carolin what's the name, 2213 01:57:47.720 --> 01:57:47.920 Of It. 2214 01:57:49.439 --> 01:57:53.560 Bleeker's Chevrolet, And Done? North, carolina. 2215 01:57:54.800 --> 01:57:55.560 Okay In? 2216 01:57:55.640 --> 01:57:58.880 North, carolina okay, hold, on, hey bo you want to 2217 01:57:58.920 --> 01:57:59.840 take a stab at calling. 2218 01:57:59.880 --> 01:58:02.840 These people I'll get bleekers to call and give them a. 2219 01:58:02.880 --> 01:58:05.560 Little bleak why they're not Helping. 2220 01:58:05.399 --> 01:58:06.279 R yeah, Out. 2221 01:58:07.640 --> 01:58:07.800 Now? 2222 01:58:09.279 --> 01:58:11.920 Bleakers chevrolet what city is? 2223 01:58:12.000 --> 01:58:12.039 That? 2224 01:58:12.199 --> 01:58:14.199 In done. 2225 01:58:22.359 --> 01:58:26.399 Where are? You located Ronald And North, Carol. 2226 01:58:28.359 --> 01:58:28.560 Done. 2227 01:58:28.600 --> 01:58:31.479 North, cala okay, hold, on okay let's help. Him out 2228 01:58:31.640 --> 01:58:34.399 hold On. To ronald the deputy bow is going to talk. 2229 01:58:34.479 --> 01:58:37.119 To you three three seven on three eight two. Five, 2230 01:58:37.279 --> 01:58:38.359 five bill what's going on? 2231 01:58:38.520 --> 01:58:38.560 With? 2232 01:58:38.640 --> 01:58:38.680 You? 2233 01:58:38.840 --> 01:58:44.880 Bill, WELCOME well i bought a car from a Friend In, Fort, 2234 01:58:44.960 --> 01:58:46.920 erie ontario and. 2235 01:58:48.439 --> 01:58:49.199 It was a fairly. 2236 01:58:49.279 --> 01:58:52.720 Complex deal to bring it Into the states and get 2237 01:58:52.760 --> 01:58:55.560 it licensed. And EVERYTHING so i hired an outfit that 2238 01:58:56.159 --> 01:58:58.600 works on that sort, of thing and it looked like 2239 01:58:58.720 --> 01:59:02.640 it was going to cost about one k and there'd be. No, duties, 2240 01:59:03.319 --> 01:59:07.279 well basically they screwed up when they brought it across. 2241 01:59:07.399 --> 01:59:13.000 The order they had it misaddressed to a Business, in 2242 01:59:13.119 --> 01:59:17.760 pennsylvania of, all things and as, a result there was 2243 01:59:17.800 --> 01:59:22.479 a seventy five hundred dollars duty that was what or? 2244 01:59:22.600 --> 01:59:25.359 By this, oh wait? How much how much is? The 2245 01:59:25.439 --> 01:59:27.520 call what kind? Of car what kind of car? 2246 01:59:27.680 --> 01:59:31.239 Is it it's a it's a tesla and the duty 2247 01:59:31.600 --> 01:59:33.760 person the person's supposed to be zero. 2248 01:59:36.039 --> 01:59:37.800 A, Lot right So, WHY. 2249 01:59:39.319 --> 01:59:43.079 Okay a long, story short. Go ahead it was a. 2250 01:59:43.159 --> 01:59:43.760 Screw up on. 2251 01:59:43.880 --> 01:59:46.680 Their part now they're trying to get the seventy five 2252 01:59:46.800 --> 01:59:52.119 hundred bucks out, of Me and i've had various conversations. 2253 01:59:52.199 --> 01:59:57.600 WITH them i have some emails that suggests that it was, 2254 01:59:57.720 --> 02:00:02.920 their problem but not as cleanly as. You LIKE and i, basically, 2255 02:00:03.000 --> 02:00:04.359 Said look, I'm, HEY bill. 2256 02:00:05.920 --> 02:00:07.520 I need to know the. 2257 02:00:07.640 --> 02:00:10.239 Basic steps let me let me get. This straight you 2258 02:00:10.439 --> 02:00:13.479 bought it from a Friend, In, ontario canada. 2259 02:00:13.880 --> 02:00:15.039 And then it was. 2260 02:00:15.319 --> 02:00:16.920 By mistake it was shipped to. 2261 02:00:17.000 --> 02:00:22.239 A business it was the paperwork showed that going across, 2262 02:00:22.359 --> 02:00:25.680 the border although they fixed the paperwork once it, got 2263 02:00:25.720 --> 02:00:30.640 across but not before the seventy five hundred dollars fee. 2264 02:00:30.840 --> 02:00:32.560 Was incurred. 2265 02:00:33.800 --> 02:00:35.760 BUT what i need to know is what is the? 2266 02:00:35.880 --> 02:00:38.359 Fee for what is that when you sell to? A 2267 02:00:38.479 --> 02:00:39.840 business what is the? 2268 02:00:39.960 --> 02:00:46.600 Fee, called yes it's it's a duty when it goes to. A, business. 2269 02:00:47.840 --> 02:00:50.319 Okay hold on, a, Second bill we'll come right back. 2270 02:00:50.359 --> 02:00:53.039 To you three oh three seven one three talk seven 2271 02:00:53.079 --> 02:00:59.720 ONE three a two five five bill says he bought 2272 02:00:59.760 --> 02:01:04.479 a car from a Buddy, in canada and the import 2273 02:01:04.600 --> 02:01:10.680 company he hired to, help him they shipped it to a, 2274 02:01:10.800 --> 02:01:16.359 business first which triggered an import duty of seventy five. 2275 02:01:16.479 --> 02:01:19.560 Hundred, Bucks bill where is the car? 2276 02:01:19.800 --> 02:01:24.239 Right now i'm sitting in it Here. In colorado and 2277 02:01:24.359 --> 02:01:28.680 this happened about a year and a, half ago and, 2278 02:01:29.479 --> 02:01:33.680 oh crap. Voicing me they kept invoicing me for the 2279 02:01:33.800 --> 02:01:38.600 seventy five. HUNDRED bucks i paid the amount that they 2280 02:01:38.680 --> 02:01:39.600 should have collected. 2281 02:01:39.720 --> 02:01:39.960 On it. 2282 02:01:41.680 --> 02:01:44.239 But now they've turned it over to a. Collection PLACE 2283 02:01:44.760 --> 02:01:47.199 now i listened To Enough tom MARTINE that i know 2284 02:01:47.359 --> 02:01:51.720 that there's, no judgment so they're just trying to harass 2285 02:01:51.880 --> 02:01:54.039 me with a. COLLECTION place, i, think right. 2286 02:01:55.399 --> 02:01:58.159 That's right they know they. Screwed UP but i need 2287 02:01:58.279 --> 02:02:02.039 to ask a. Few questions was it ever shipped to? That, 2288 02:02:02.319 --> 02:02:05.239 business no it never actually. 2289 02:02:05.920 --> 02:02:10.960 Got there the mistake was fixed before that, actually happened 2290 02:02:11.720 --> 02:02:16.159 but it had gone through customs and the charge. 2291 02:02:16.039 --> 02:02:16.960 Was incurt. 2292 02:02:18.880 --> 02:02:21.800 How did they make? This mistake did they ever? Explain, it. 2293 02:02:23.279 --> 02:02:26.039 No it was it was just to screw up and 2294 02:02:27.079 --> 02:02:30.880 in addressing. The thing now they made other errors and 2295 02:02:31.039 --> 02:02:34.920 things along, the way but nothing of. This, Magnitude. 2296 02:02:37.239 --> 02:02:41.159 Okay then once it went to that once they, corrected 2297 02:02:41.199 --> 02:02:44.119 it it was shipped to you and you paid the 2298 02:02:44.239 --> 02:02:45.520 thousand dollars that they had. 2299 02:02:45.600 --> 02:02:47.239 Invoiced you originally. 2300 02:02:49.159 --> 02:02:52.159 It was a little different from that because there was 2301 02:02:52.239 --> 02:02:55.159 a checklist of items and some were there and Some 2302 02:02:55.359 --> 02:02:58.800 were BUT basically i, told, them look when you, Correct 2303 02:02:58.840 --> 02:03:02.000 this i'll pay THE whole i thought they, corrected IT 2304 02:03:02.119 --> 02:03:05.000 so i went ahead and paid, that amount losing the 2305 02:03:05.159 --> 02:03:08.600 tiny bit of LEVERAGE that, i had and then they 2306 02:03:08.680 --> 02:03:10.560 continue to build me for the seventy five. 2307 02:03:10.640 --> 02:03:11.479 Hundred bucks. 2308 02:03:13.720 --> 02:03:16.159 And is there anyone you can talk to at? That 2309 02:03:16.359 --> 02:03:17.199 company when. 2310 02:03:17.239 --> 02:03:22.399 You, Call yeah i've discussed this with, people there and 2311 02:03:23.680 --> 02:03:26.319 you know they'll look. Into it blah. Blah Blah there's 2312 02:03:27.319 --> 02:03:30.000 they don't just admit right off hand that it was, 2313 02:03:30.079 --> 02:03:34.840 a mistake although the guy that made the mistake has told. 2314 02:03:34.680 --> 02:03:35.239 Me that in a. 2315 02:03:35.359 --> 02:03:38.640 Phone CONVERSATION but i don't have it. Written down what's 2316 02:03:38.680 --> 02:03:38.960 the name. 2317 02:03:39.039 --> 02:03:41.159 Of that what's the name of the? Import Company? 2318 02:03:42.279 --> 02:03:47.920 Livingstone INTERNATIONAL so i googled. Them recently they get one 2319 02:03:48.119 --> 02:03:51.199 star because you have to give at least, one star 2320 02:03:51.760 --> 02:03:55.039 and most of it's due to horrible. Business practices. 2321 02:03:58.119 --> 02:04:01.159 HERE'S what. I, believe okay HERE'S what i would advise 2322 02:04:01.239 --> 02:04:04.159 you if you were, my brother and that is do 2323 02:04:04.399 --> 02:04:07.760 nothing in order for them to collect a dime. 2324 02:04:07.880 --> 02:04:10.319 From you they're going to have to take you. To 2325 02:04:10.439 --> 02:04:14.039 court and there's no way that you have a contract, 2326 02:04:14.159 --> 02:04:14.800 with THEM right. 2327 02:04:16.399 --> 02:04:20.439 I do and it doesn't say anything about seventy five. 2328 02:04:20.520 --> 02:04:22.840 Hundred bucks if you'd read, the contract you'd think it'd 2329 02:04:22.840 --> 02:04:24.159 be around. One, thousand. 2330 02:04:26.399 --> 02:04:31.279 Okay. That contract they'd have to show a contract for 2331 02:04:31.439 --> 02:04:35.079 seventy five, hundred dollars and the contract. 2332 02:04:34.560 --> 02:04:38.239 That you signed or that they gave to you shows 2333 02:04:38.520 --> 02:04:40.520 a fee of one. Thousand, dollars. 2334 02:04:41.720 --> 02:04:44.800 Yes if you it's a. Punch list if you add up, 2335 02:04:45.319 --> 02:04:49.199 the items it comes out to around, one THOUSAND and 2336 02:04:49.319 --> 02:04:50.800 i never certainly never will. 2337 02:04:50.680 --> 02:04:55.800 Okay, bucks, no, NO no i don't think they're ever 2338 02:04:55.880 --> 02:04:59.039 going to collect it. From you you're just bothered because 2339 02:04:59.159 --> 02:05:02.840 they are not because they are just they're, bugging you. 2340 02:05:02.960 --> 02:05:04.560 BASICALLY right i would, ignore. 2341 02:05:04.640 --> 02:05:08.279 Them though HERE'S what i, would say here's a surefire 2342 02:05:10.000 --> 02:05:11.920 here's a surefireway to get rid of stuff. 2343 02:05:12.000 --> 02:05:14.640 Like THAT and i do this all. THE time, I 2344 02:05:14.880 --> 02:05:18.680 say i do not believe based on, MY contract i 2345 02:05:18.800 --> 02:05:22.119 owe you. The money if YOU believe i do owe you, 2346 02:05:22.239 --> 02:05:23.960 the money take me, to, court, please. 2347 02:05:25.439 --> 02:05:28.439 Yeah okay and then they won't. 2348 02:05:28.520 --> 02:05:31.000 Do it they don't have. The money they don't have 2349 02:05:31.119 --> 02:05:33.680 they're they're not going to do, it well. 2350 02:05:33.560 --> 02:05:36.359 And They're, In Buffalo. New york where would they have to. 2351 02:05:36.880 --> 02:05:37.439 Assue me. 2352 02:05:39.119 --> 02:05:43.439 The contract calls out that. The contract in, the contract 2353 02:05:43.520 --> 02:05:48.640 it usually says this agreement construed under the laws of 2354 02:05:48.880 --> 02:05:53.359 such and such or wording such as that almost all. 2355 02:05:53.560 --> 02:05:58.479 Contracts now if the contracts do not specify, the laws 2356 02:05:59.319 --> 02:06:01.520 then the law that takes effect. 2357 02:06:01.399 --> 02:06:05.039 Is usually where it. Is executed if you signed it, 2358 02:06:05.159 --> 02:06:13.319 at home it Would be. COLORADO law, i did so It's. 2359 02:06:13.399 --> 02:06:18.239 Either colorado well most likely. 2360 02:06:18.319 --> 02:06:21.680 They're not but Either it's colorado or it's a law 2361 02:06:21.840 --> 02:06:22.720 specified in. 2362 02:06:22.800 --> 02:06:26.119 The agreement did you read the agreement over and does it. 2363 02:06:26.319 --> 02:06:29.760 SPECIFY jurisdiction i. 2364 02:06:30.720 --> 02:06:33.720 Didn't see a tease and see section that would have that. 2365 02:06:34.439 --> 02:06:36.359 On It but i'll look at, it again. 2366 02:06:38.119 --> 02:06:39.880 Look at it and call. Me back, but. 2367 02:06:40.119 --> 02:06:42.560 Basics okay, so. 2368 02:06:42.680 --> 02:06:44.359 Meanwhile BASICALLY. 2369 02:06:46.720 --> 02:06:51.199 Can i tell the collection agency that quit? Bugging me 2370 02:06:51.399 --> 02:06:53.439 is is There a colorado law? 2371 02:06:53.520 --> 02:06:53.760 On that. 2372 02:06:55.920 --> 02:06:59.760 There are laws on this if they bother you outside 2373 02:06:59.800 --> 02:07:03.600 of normal business hours and outside of normal places, of 2374 02:07:03.680 --> 02:07:07.199 business but. You can't but they have the freedom to 2375 02:07:07.319 --> 02:07:09.680 contact you otherwise you don't. 2376 02:07:09.720 --> 02:07:12.520 Have it there is no law that forces them that. 2377 02:07:12.720 --> 02:07:17.479 They're allowed Under The Fair Debt, collection act they're allowed 2378 02:07:17.560 --> 02:07:20.600 to bug you where it is legal to, bug you 2379 02:07:21.520 --> 02:07:23.560 but it's not always legal to. 2380 02:07:23.680 --> 02:07:26.399 Bug, You okay so you just have to bone up on. 2381 02:07:26.479 --> 02:07:29.760 That law just google that law or go into artificial 2382 02:07:29.840 --> 02:07:33.680 intelligence and look For The Fair Debt collection they're allowed 2383 02:07:33.760 --> 02:07:38.399 to bug you during normal business hours and that normal 2384 02:07:38.640 --> 02:07:41.880 contact information they have, for you and because they have 2385 02:07:42.000 --> 02:07:45.600 a pre existing business relationship, with you they're allowed to. 2386 02:07:45.720 --> 02:07:49.800 Contact you you're also allowed to avoid, Them completely so 2387 02:07:50.079 --> 02:07:53.319 you do whatever you can to, avoid them but you can't. 2388 02:07:53.159 --> 02:08:01.279 Stop them from. Contacting, you okay three oh three seven 2389 02:08:01.359 --> 02:08:04.039 one three talk seven one three eight two. Five, five 2390 02:08:04.800 --> 02:08:06.279 hey you know what one. 2391 02:08:06.279 --> 02:08:09.520 Clear chest garage doors for your garage doors everything to 2392 02:08:09.600 --> 02:08:10.800 do with your garage door or. 2393 02:08:10.920 --> 02:08:13.600 The opener there there twenty four to seven to help. 2394 02:08:13.680 --> 02:08:18.079 You out One clearchoice doors dot com seven two. 2395 02:08:18.000 --> 02:08:21.279 Zero three seven zero thirty nine. Eighty Seven. 2396 02:08:25.319 --> 02:08:30.600 Hey tom, martine here, all right let's talk ABOUT the 2397 02:08:30.800 --> 02:08:35.840 uh roof certifications when you refi. A house sometimes when 2398 02:08:35.880 --> 02:08:39.279 you sell, A house uh lenders want to know about, 2399 02:08:39.359 --> 02:08:43.960 roof certifications like is? It reasonably is it reasonable to 2400 02:08:44.039 --> 02:08:48.159 expect the roof to last five years without. 2401 02:08:48.319 --> 02:08:50.600 Major problems it's. 2402 02:08:50.479 --> 02:08:55.479 Called the roof certification and it can cost you up 2403 02:08:55.520 --> 02:08:59.399 to five. Hundred Bucks But excel roofing has a Special 2404 02:08:59.520 --> 02:09:02.359 for martine listeners only until. 2405 02:09:02.439 --> 02:09:04.039 Further notice and what is? 2406 02:09:04.119 --> 02:09:04.159 That? 2407 02:09:04.319 --> 02:09:08.960 Special, Henry yeah so for, anybody listening whether you're a real, 2408 02:09:09.079 --> 02:09:11.800 estate agent you have a home, for sale you're going 2409 02:09:11.880 --> 02:09:15.279 to sell, Your house we're willing to do a roof certification, 2410 02:09:15.640 --> 02:09:18.439 for you for free as long as you Mentioned this. 2411 02:09:18.840 --> 02:09:22.000 Martino special this isn't something that a lot of people normally, 2412 02:09:22.119 --> 02:09:24.800 think about but when you come and sell, your house 2413 02:09:25.079 --> 02:09:27.840 you need to get a roof certification to verify that 2414 02:09:27.960 --> 02:09:30.079 that roof is going to be good for five years. 2415 02:09:30.600 --> 02:09:32.239 Or so AND like, i said we will do it. 2416 02:09:32.359 --> 02:09:35.960 For free it's three oh three seven six' one six.' 2417 02:09:36.119 --> 02:09:38.800 four zero zero if, YOU didn't get that i would 2418 02:09:38.800 --> 02:09:41.680 write that down three oh three seven six one. 2419 02:09:41.960 --> 02:09:44.800 Six, four zero zero YEAH that's good because i mean 2420 02:09:44.880 --> 02:09:45.239 that is a. 2421 02:09:45.319 --> 02:09:47.439 Five hundred dollars value if you're going through a closing 2422 02:09:47.520 --> 02:09:50.439 right now and they're asking, for a roof certification you're 2423 02:09:50.439 --> 02:09:54.199 gonna get It with excel ex. Cel, Excelroofing, DOT com 2424 02:09:54.680 --> 02:09:56.960 hey henry i have. A question to ask do they 2425 02:09:57.039 --> 02:10:00.199 ever use drones and roofing? Industry to, do estimates. 2426 02:10:00.880 --> 02:10:03.359 You know they look for, hail damage using drones but 2427 02:10:03.439 --> 02:10:06.279 it can be just really, hit or miss right it's 2428 02:10:06.319 --> 02:10:06.920 not gonna. 2429 02:10:06.680 --> 02:10:08.319 Be you guys don't. Use them a lot it's. 2430 02:10:08.680 --> 02:10:13.760 Basically, Walking the roof yeah so the rules around drones 2431 02:10:13.800 --> 02:10:17.319 and roofing is that every commercial pilot needs to have 2432 02:10:17.399 --> 02:10:19.479 a license and it's just not worth it. 2433 02:10:19.560 --> 02:10:21.960 For all of us to get our own license. To 2434 02:10:22.079 --> 02:10:23.920 operate a drone so we just do. 2435 02:10:24.319 --> 02:10:27.000 The regular roof inspections, we set a ladder, we get 2436 02:10:27.079 --> 02:10:30.000 up there, we look for damage, we do an evaluation. 2437 02:10:30.199 --> 02:10:32.680 And do you do? Free? Inspections, for that, Yeah absolutely 2438 02:10:32.720 --> 02:10:34.199 All right deputy d. 2439 02:10:36.600 --> 02:10:38.880 We you have somewhat of a. Follow up, from somebody 2440 02:10:38.920 --> 02:10:41.439 i'm sorry recall A couple hours ago dorothy called. Us, 2441 02:10:41.520 --> 02:10:45.520 because she asphalt yeah IT'S a COMPANY Called c And J. 2442 02:10:45.800 --> 02:10:48.960 Concrete and asphalt repairs she said, they did a terrible 2443 02:10:49.119 --> 02:10:52.079 terrible job. Doing the concrete steps they came back and 2444 02:10:52.159 --> 02:10:55.600 redid the job and. Additional work wasn't done what do, They. 2445 02:10:55.560 --> 02:10:55.960 Have to say. 2446 02:10:56.079 --> 02:10:58.600 IT'S it's pretty nasty i had a couple Of conversations 2447 02:10:58.680 --> 02:11:01.760 with both dorothy, And, her her husband roger and it 2448 02:11:01.880 --> 02:11:02.840 turns out it's a lot. 2449 02:11:02.920 --> 02:11:05.479 Worse, than we thought okay we're. Gonna follow, this up 2450 02:11:05.520 --> 02:11:07.560 then again did you? Contact, the company yet no. 2451 02:11:07.640 --> 02:11:10.439 There's, no company, to contact no, address there's no. 2452 02:11:10.560 --> 02:11:12.640 Company there's no nothing we'll find out. More About That. 2453 02:11:12.760 --> 02:11:19.640 Tomorrow i'm tom Martino. Three Oh Three martino Follow Tom 2454 02:11:19.680 --> 02:11:23.439 Martino at real tom martino and stay connected with all 2455 02:11:23.520 --> 02:11:26.039 of that at six thirty k kayhow dot com and. 2456 02:11:26.159 --> 02:11:30.239 On the iHeartRadio app this, is denver's TALK Station six 2457 02:11:30.439 --> 02:11:31.399 thirty k house