Speaker 1: Yea ripped up?
Speaker 2: What news?
Speaker 1: You need advice so you don't have come running.
Speaker 3: Just as fast as we can.
Speaker 1: Shooter's gonna help come Man Dix is the Troubleshooter Show.
Speaker 4: No, Tom Martino, Hi, Tom Martino here, Welcome to the show.
Speaker 4: Whether you're listening delayed by a podcast as thousands of
Speaker 4: you do, or you're streaming, or you're on our radio stations,
Speaker 4: especially our flagship k h OW, welcome to the show,
Speaker 4: and welcome to our friends in the springs on krt
Speaker 4: O and then those around the country. We appreciate you
Speaker 4: being here, and what we asked is that you give
Speaker 4: us a call if you have a problem question complain
Speaker 4: at three oh three seven one three talk three oh
Speaker 4: three seven one three eight two five five.
Speaker 5: All right.
Speaker 4: I will say this, I absolutely positively do not see
Speaker 4: the overwhelming reaction I thought I would by the results
Speaker 4: of the elections. However, the markets responded positively. That's important
Speaker 4: to know, and what I mean by that is, yeah,
Speaker 4: we have some cry babies and people predicting.
Speaker 5: Doom and gloom, but not what I thought there would be.
Speaker 4: I thought there might have even been rioting in the streets.
Speaker 4: Believe it or not, I really thought that, but no,
Speaker 4: that's not happening. You see in if you're streaming in
Speaker 4: my wife should I got some guests in the studio.
Speaker 4: I'll be introducing excel roofing in a minute, which is
Speaker 4: important this time of year especially they do repairs by
Speaker 4: the way, and I want to talk about your problems,
Speaker 4: questions and complaints. I got a letter today. This is interesting.
Speaker 4: I'm Mohika Moore, a member of the Ukraine Army based
Speaker 4: in Ukraine.
Speaker 5: I'm contacting you.
Speaker 4: Based on a referral and on your Internet presence. I
Speaker 4: am writing because I want to partnership relationship with you
Speaker 4: and I can honestly trust you to handle this for me.
Speaker 4: You see, just a few days ago, I discovered some
Speaker 4: funds in a package containing American dollars.
Speaker 5: In one of the bases in the Ukraine.
Speaker 4: Possibly they are trying to hide the money because of
Speaker 4: the impending doom we suspect will happen under President Trump.
Speaker 4: We suspect he will withhold funding anyway. The package has
Speaker 4: been deposited in a financial warehouse in the Ukraine.
Speaker 5: I want you to receive these funds for me.
Speaker 4: I want you to invest in your country now on
Speaker 4: your advice. I will trust you to invest it since
Speaker 4: I know you have Wave eight Wealth management.
Speaker 5: Now listen.
Speaker 4: First of all, they reacted to the election. They got
Speaker 4: my name and they know about my financial advisement. They say, please,
Speaker 4: I want this to be between me and you and
Speaker 4: your company, as I'm still in the army to prove
Speaker 4: my sincerity. We should be honest with ourselves and be trustworthy.
Speaker 5: It works both ways.
Speaker 4: In life because I don't want to lose my funds,
Speaker 4: but I trust you to invest them wisely. I assure
Speaker 4: you it's one hundred percent legal and risk free. Of course,
Speaker 4: she found money in an envelope. I think Mohek is
Speaker 4: a woman. I say she okay, this should be confidential
Speaker 4: between both of us. I look forward to your prompt
Speaker 4: reply to enable us to move forward. So I wrote,
Speaker 4: I can help. What do I need to do? Will
Speaker 4: I make money too? She wrote back to me. Just
Speaker 4: got another response. This is amazing. Thank you for your email.
Speaker 4: I would like to propose a meeting in London with you.
Speaker 5: Now this is weird. Me go to London.
Speaker 4: I live in the Ukraine. I can take time out
Speaker 4: and meet you in London. This will make you understand
Speaker 4: the intensity of this project. Now, normally they want you
Speaker 4: to wire or give you information for banking for transfer.
Speaker 4: The weird part about this one? Does anyone? Isn't this weird?
Speaker 4: They want me to be in London. I'm going to
Speaker 4: continue this, but I'm going to take Sherry first. All right, Sherry?
Speaker 4: What's going on? Welcome?
Speaker 6: Well, first of all, I just want to say I
Speaker 6: am happy about the election very much.
Speaker 5: Well, ok, thank you for weighing in on that. What's
Speaker 5: going on with you? Sherry?
Speaker 3: I am in a real mind. People know my name.
Speaker 6: I'm professional, but in the last two years I've slowly
Speaker 6: fallen from grace and right.
Speaker 5: Now professional professional? In what category? Sherry? Legal and the legal?
Speaker 5: Are you an attorney or a pairalegal?
Speaker 7: Or what?
Speaker 3: No?
Speaker 6: Process server and a PI?
Speaker 4: Okay, So Sherry, what's going on with you?
Speaker 3: Well?
Speaker 6: I have been evicted from my son's how.
Speaker 8: Two years ago after six years That's where I had
Speaker 8: my business from there, I pulled the plug.
Speaker 4: Oh wait, wait, why were you evicted? Did you have
Speaker 4: a falling out with your son? Oh?
Speaker 3: Yeah I did?
Speaker 5: Okay, So what's going on with you?
Speaker 3: So?
Speaker 6: Now I haven't been able to keep my business growing
Speaker 6: and live?
Speaker 5: So you don't have any more clients.
Speaker 6: I did, but then my car was starting to show problems,
Speaker 6: and then at the end it just fell apart.
Speaker 4: In it was Sherry, were you living in your car
Speaker 4: or did you have an apartment? No?
Speaker 8: I was living in my car because I couldn't get
Speaker 8: an apartment.
Speaker 5: Oh, Sherry, how old you? Sherry?
Speaker 6: A young seventy three?
Speaker 4: A young seventy I'm glad you said that. By the way,
Speaker 4: listen seriously, Now, Sherry had seventy three living in your
Speaker 4: car and your car broke down.
Speaker 5: My god, Let me ask you something.
Speaker 4: Through your entire life, did you do any planning for
Speaker 4: your older age? And I don't mean to chastise you,
Speaker 4: but I want people listening to know these stories I
Speaker 4: get on the air, they're not fictitious, they're real people. Sherry,
Speaker 4: how did you get in this position where you have
Speaker 4: zero savings?
Speaker 3: Well?
Speaker 6: What I was doing was bringing in some of the money,
Speaker 6: but it was erratic and it was no way I
Speaker 6: could plan from.
Speaker 5: Were you ever married or had a partner of any kind?
Speaker 6: No partner after I left my husband in nineteen eighty one.
Speaker 4: Okay, so you left your husband forty some odd years
Speaker 4: ago and you're on your own and you are living
Speaker 4: with your son. Why did he evict you?
Speaker 6: Well, because he I don't know what happened is that
Speaker 6: it's changed. And I pointed out to him that he
Speaker 6: was really disrespectful, and damn that was it. He winded
Speaker 6: me out.
Speaker 4: Sherry, you're in a bad way right now. Are you
Speaker 4: getting Social Security?
Speaker 3: I am?
Speaker 6: But it's not nearly enough because how much.
Speaker 5: Do you get a month?
Speaker 3: Nine hundred?
Speaker 5: Okay?
Speaker 4: And right now? So you are on Social Security? And
Speaker 4: your car? Is your car running?
Speaker 3: No? They took it from me three months ago?
Speaker 5: Who's they?
Speaker 6: I was repossessed because I ran out of money.
Speaker 5: So now where are you living?
Speaker 3: Well? In the elements?
Speaker 8: No?
Speaker 4: Seriously, Sherry? Are you on the street right now?
Speaker 5: Oh?
Speaker 3: Yeah, I am, come on.
Speaker 5: A seventy three year old woman on the streets.
Speaker 6: Yes, because I just can't get no.
Speaker 5: I mean last night, literally, where did you sleep?
Speaker 6: I rented a U haul and took all my money,
Speaker 6: so I'm sitting in it now, which I should have
Speaker 6: relinquished it yesterday.
Speaker 5: How much money did you have?
Speaker 6: I had because I didn't pay my storages. I had
Speaker 6: probably three hundred dollars. Now I had to stay extended
Speaker 6: to stay for one night, and then I got this
Speaker 6: new hall and now I'm broke, totally broke.
Speaker 4: My god, Sherry, I mean, you waited till the last
Speaker 4: minute to call us.
Speaker 5: You are totally broke, busted, not a dime.
Speaker 4: You can't eat, you have nowhere to stay, You're in
Speaker 4: a U haul that you have to return, and you
Speaker 4: will be literally walking on the snowy streets of Denver
Speaker 4: right now.
Speaker 6: To keep in mind that I have been fearshing for jobs,
Speaker 6: and I think it's my age or that I'm.
Speaker 4: Not you know, well, it's hard to give someone a
Speaker 4: job who doesn't you're right, well, seventy three that is
Speaker 4: pretty old. I mean, but I mean you could still work.
Speaker 4: But also I think they're more afraid that they can't
Speaker 4: rely on you. Maybe I don't know, I don't know
Speaker 4: anything about you. What kind of work can you do?
Speaker 4: What kind of work can you do?
Speaker 6: G I am a proofreader and editor. I'm a certified
Speaker 6: English teacher.
Speaker 4: Yeah, a proofreader, editor and English Right now, my proofreader
Speaker 4: and editor cost me nineteen bucks a month.
Speaker 5: It's called it's.
Speaker 4: Called chat GPT okay, And if I put a female
Speaker 4: voice to it, I can even call her Mary, but
Speaker 4: I have a male voice. Now, I'm not joking, Sherry,
Speaker 4: you're being a set of the job market. You need
Speaker 4: to do something. You're in desperate. Are there any shelters
Speaker 4: you can get to.
Speaker 6: I'm in Littleton, everything else is in Denver. No. Now,
Speaker 6: I want you to know that I have been researching,
Speaker 6: and then I tried to do house sitting. Suiting me
Speaker 6: and Rob tell you if scammers are out in force,
Speaker 6: and so the last one really blew me apart. And
Speaker 6: that was two days ago.
Speaker 5: And you mean a job offer, yeah, to house it.
Speaker 6: And then the way we communicated it sounded.
Speaker 4: Like she's no, it's a joke. A lot of these
Speaker 4: are ripoffs for people. Listen, Sherry, Honest to god, Cherry,
Speaker 4: I don't know what to do. You're seventy three and
Speaker 4: you have zero. You have nothing, right now?
Speaker 3: That's right?
Speaker 6: I mean, you know, house management is what I'm good at.
Speaker 6: So I mean, if I had somebody who would hire
Speaker 6: me as a house manager.
Speaker 5: That would be what does that mean? Hold on?
Speaker 4: Hold on, I We'll figure this out or something. I mean,
Speaker 4: you need some shelter or something?
Speaker 5: This, yeah, hold on, hold on, three oh three, seven
Speaker 5: to one three talk seven one, three, eight, two five five.
Speaker 4: This is kind of sad, people, This is really sad.
Speaker 4: I mean, this is happening. I mean, but you have
Speaker 4: to look at this. Okay, I understand, and I'm going
Speaker 4: to just say it like it is. Sherry is in
Speaker 4: this position because she put herself in that position.
Speaker 5: I am tired of people blaming people for blaming people,
Speaker 5: for blaming people.
Speaker 4: There are very few people who are truly truly victim
Speaker 4: of circumstances. Many people are victims of procrastination. Some people
Speaker 4: are victims of sloth. Some people are victims of scams. Yes,
Speaker 4: or they want to get rich quick, it's greed, but
Speaker 4: they're they're they're victims brought upon by their own behavior,
Speaker 4: not someone coming in and stealing your money and kicking
Speaker 4: you out. If you're one of these people who are
Speaker 4: not planning for your older age, I want to tell
Speaker 4: you something. I'm serious. Old age is not a rumor.
Speaker 4: It's going to shock you. I know that when you're
Speaker 4: on TikTok and when you're younger, old age is a myth.
Speaker 5: It's a rumor.
Speaker 4: It's not going to happen. You're not going to run
Speaker 4: out of money. You're going to live life. You're going
Speaker 4: to have a problem. And we have a number of
Speaker 4: people in this position. So yeah, Sherry is to blame.
Speaker 4: So now what do we do? Do we throw people
Speaker 4: out that did not plan? What do we do?
Speaker 5: Let's come up with some ideas.
Speaker 4: I also want to take other calls, but Sherry, hang
Speaker 4: in there for really, I got some ideas. I'm Tom
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Speaker 4: You'll think you're his only customer when you choose Frank
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Speaker 5: Tom Martino your Troubleshooter three oh three seven one three
Speaker 5: talk Hey Tom, Yes, sir.
Speaker 9: Every time I go shopping at Safely the King supers
Speaker 9: is we're hiring now sign. Has Sherry ever looked into that?
Speaker 5: That's a good question. I'm going to go back to
Speaker 5: Sherry in a minute. Mark uh Shamansky's back on from Genesis.
Speaker 5: He has a comment.
Speaker 10: Go ahead, Mark, Hey, Tom, I heard the situation when
Speaker 10: Sherry before I hopped on the show, and uh, you know,
Speaker 10: I'd be happy to put her in extended stay for
Speaker 10: a couple of weeks. There's she says she's in Lakewood,
Speaker 10: and you know there's there's one right there on six
Speaker 10: and six and share No six and no not Wadsworth,
Speaker 10: but just west of there. I'd be happy to put
Speaker 10: her in that extend day for a couple of weeks.
Speaker 11: Man, is they're lodging over her?
Speaker 4: Oh you're a great person, Mark, that's great. Man, and
Speaker 4: you know what we can do here, here's what we
Speaker 4: can do. Erry, you're willing to work right now, right
Speaker 4: and bring a Marx on you know. Mark Schumansky from
Speaker 4: Genesis Total Exteriors has graciously offered to put you up
Speaker 4: for a couple of weeks and then maybe you can
Speaker 4: secure some work.
Speaker 6: Well that does make me cry. I thank you, But
Speaker 6: you understand I don't have a car and I don't
Speaker 6: have a place to to get ready, Well, my stuff
Speaker 6: is in storage that.
Speaker 5: No I know.
Speaker 4: Well, listen, I know something I know. Look at we
Speaker 4: got to take it baby steps right now. Okay, I
Speaker 4: understand that because I don't know. You know, first of all,
Speaker 4: share you're in no position to have a car technically
Speaker 4: because you can't afford a car at this point. I
Speaker 4: can't you can't ensure it, you can't license it, you
Speaker 4: can't put gas in it, you can't do anything that's right.
Speaker 6: I mean, it was a slow downhill fall from Grace in.
Speaker 4: Yeah.
Speaker 5: But but it's a trend.
Speaker 4: And when people notice a trend, they have to figure
Speaker 4: out what the hell's going on and why is this
Speaker 4: trend happening? And how do I stop it? Slow downhill?
Speaker 4: If the only difference between slow downhill and major downhill
Speaker 4: is time. But it still happens. You know, when you
Speaker 4: see things, when you see handwriting on the wall, you
Speaker 4: got to react to it.
Speaker 5: So right now you're in a really bad way, Sherry.
Speaker 4: Let me ask you something out of curiosity, and I'm
Speaker 4: very serious. Now, what did you expect we could say
Speaker 4: on this show that might.
Speaker 3: Help you, that maybe somebody was listening.
Speaker 5: Somebody listening, and what would they do?
Speaker 3: As I said, I.
Speaker 6: Am with a lot of expertise in certain areas, but
Speaker 6: not what they want to hol me for I could
Speaker 6: do a house management.
Speaker 4: So what can you explain exactly what that means in
Speaker 4: your mind?
Speaker 5: House management?
Speaker 4: I've never meant a house manager in my life, So
Speaker 4: tell me what that looks like.
Speaker 6: Well, they take upon the role executing goodies in the house.
Speaker 6: We're talking about probably a major, big house.
Speaker 5: And so are you talking about house cleaning?
Speaker 12: Are you talking Butler's tradition?
Speaker 3: Not?
Speaker 5: Just wait, but I mean what exactly share you.
Speaker 6: Take care that repair people make?
Speaker 3: Um?
Speaker 5: Yeah? But what do you do?
Speaker 4: What do you do other than coordinate which a man
Speaker 4: and woman who owned the home can do. Are you
Speaker 4: talking about coordinating cleaners? And repairmen and and and being
Speaker 4: a house manager in that way, because there aren't many
Speaker 4: houses big enough to do that, and there aren't many
Speaker 4: people that have that. Now there are people that have
Speaker 4: four or five houses that have that kind of stuff.
Speaker 5: But I'm asking you, is that what you're hoping to get?
Speaker 4: A cush job where you can live in luxury and
Speaker 4: basically direct services.
Speaker 6: Oh, that's wrong, that's not how I am. I'm not
Speaker 6: saying that.
Speaker 5: In a negative way. It's a cush job.
Speaker 4: If I could live in a luxurious mansion and call
Speaker 4: repair people and coordinate repairs and coordinate house cleaning and
Speaker 4: coordinate everything and take up and pay utilities, and I
Speaker 4: would be one of the house best house managers in
Speaker 4: the world.
Speaker 5: But is that what you're talking about.
Speaker 6: Let's take a step back because I'm trying to explain
Speaker 6: so much in a little bit of time. Jo, I've
Speaker 6: had a cleaning service for twenty.
Speaker 8: Years set in Connecticut and ten out here.
Speaker 3: I mean, I did well.
Speaker 5: But Sherry, would you personally do the cleaning?
Speaker 3: Yes?
Speaker 5: Go ahead, Chnry. You wanted to mention you, go ahead.
Speaker 13: Henry red I wanted to jump in on that. And
Speaker 13: there's a big industry around airbnbs. I know that we
Speaker 13: struggle with that. It's really hard to find people to
Speaker 13: manage your investment properties or rental properties.
Speaker 12: Is that something you've ever looked at before?
Speaker 5: She doesn't know anything about rental property.
Speaker 13: But you need someone just to take care of the
Speaker 13: general maintenance and take care of the cleaning staff and
Speaker 13: anything that breaks. And I mean that's it's hard to
Speaker 13: find people to do that.
Speaker 6: Well, then that's where I would sit in beautifully.
Speaker 4: But you need a place to live in order to
Speaker 4: do it. You can't just work for them. You have
Speaker 4: to live there, is what you're saying.
Speaker 3: Correct for it?
Speaker 6: So now on my background is marketing and interior design,
Speaker 6: so it's not like i'm alien it.
Speaker 5: It's the sort of thing I understand.
Speaker 4: But you're hoping to find someone listening right now that
Speaker 4: will take in a homeless woman and believe that she
Speaker 4: can manage their properties, and they have to give her
Speaker 4: a place to live and.
Speaker 5: An allowance of some kind. And then what.
Speaker 4: Happens about transportation? Did you want to be able to
Speaker 4: drive one of the household cars? I think you've been
Speaker 4: watching too many movies. No, I'm serious, and I don't
Speaker 4: mean to make fun of you share. I mean, I
Speaker 4: hope you do find it right now. I hope there's
Speaker 4: someone listening right now that will take a chance on you.
Speaker 4: But you know, I've done pretty well in my life,
Speaker 4: and I own more than one house, and I have
Speaker 4: to tell you I've never had a house manager, nor
Speaker 4: would I find.
Speaker 5: The value in one.
Speaker 4: That's my own personal opinion, but I'm not an Elon Musk.
Speaker 5: Maybe he would.
Speaker 4: I mean, I don't know where you find someone who
Speaker 4: needs a house manager. Now, as Henry said, what about
Speaker 4: property management in general?
Speaker 5: I don't know. I mean I can.
Speaker 4: Get you, well, I can't if you don't have transportation.
Speaker 4: You're absolutely right, Sherry, I don't know who would hire
Speaker 4: you at this point. Now, there is one possibility you
Speaker 4: could do. You could do uber or lyft to and
Speaker 4: from work. I'd bus, okay, bus for a while until
Speaker 4: you can save up some money. But I want to
Speaker 4: take all of your contact information, Sherry. I do not
Speaker 4: fault you for wanting help and wanting to work your
Speaker 4: seven Now think about this. In seven years, you're going
Speaker 4: to be eighty. What can you do in seven years
Speaker 4: to shore.
Speaker 14: Up your retirement?
Speaker 3: Grated?
Speaker 6: I'm free, degraded, I'm not trying to.
Speaker 4: Make you feel degraded. I'm trying you know what. I
Speaker 4: don't give a damn about your feelings.
Speaker 5: I'm trying to.
Speaker 4: Open your eyes to reality. My job isn't to make
Speaker 4: you feel good. Okay, I'd love to make you feel good. Okay, okay,
Speaker 4: So what snowflake, you feel bad? Don't feel bad. You
Speaker 4: put yourself in that position. No one put a thumb
Speaker 4: on your head, so let's just suck it up.
Speaker 5: Look in the mirror.
Speaker 4: You put yourself in this position.
Speaker 5: And I'm proud that you want to get out of it.
Speaker 5: I like you.
Speaker 4: I'm not putting you down because I don't like you.
Speaker 4: I'm not trying to elevate myself by making you feel bad.
Speaker 5: That's not my position. But I'm sick and.
Speaker 4: Tired of people not wanting to hear the truth because
Speaker 4: it hurts they're feeling things.
Speaker 1: Screw you.
Speaker 5: I'm not talking to you, share I'm talking about people.
Speaker 4: Look in the mirror, take responsibility and start lifting yourself up.
Speaker 5: How about that.
Speaker 4: I will help you to the extent you help yourself,
Speaker 4: but you can't deteriorate your entire life on a downward trend.
Speaker 5: And then say Oh my god, what am I going
Speaker 5: to do? And worse yet, blame other people?
Speaker 4: Now, Sherry, leave your contact information. Let's try to find
Speaker 4: you something productive. As I said, I appreciate that now
Speaker 4: you want to do something about your situation. And anyone
Speaker 4: else listening right now, if you're just starting on that
Speaker 4: downward trend, call me. Don't call when you're already down
Speaker 4: and you fell off the cliff.
Speaker 5: Prevent it. But what is honest to God?
Speaker 4: What is this prevailing attitude in America? Whether you're a
Speaker 4: fat slob or a drug addict or some crazy person
Speaker 4: that I have to pretend you're not and I have
Speaker 4: to make you feel good.
Speaker 5: I can't.
Speaker 4: I can't bring up any faults or any deficiencies or
Speaker 4: or any place where you need improvement. My god, that
Speaker 4: may hurt your feelings. If you're looking for feelings, don't
Speaker 4: look here. I'm Tom Martine. Go with a sure thing
Speaker 4: Denver's best roofer Excel roofing dot com. You don't pay
Speaker 4: a cent until you're content. Time for an insurance checkup free,
Speaker 4: no obligation. In comparison, call compass insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven seven to one.
Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Tom Martino, your troubleshooter three all three
Speaker 4: seven one three talk seven one three eight two five five.
Speaker 4: You can text me I'm my private Google number seven
Speaker 4: four seven nine nine nine fifty two eighty seven four
Speaker 4: seven nine nine nine fifty two eighty.
Speaker 5: You can also uh text.
Speaker 4: Me on the iHeart short code. Put my name in
Speaker 4: there somewhere and it'll come to me. Five seven seven
Speaker 4: three nine. Hey, here's the deal. So I got one
Speaker 4: text saying truth. Another one says sounds like Tom.
Speaker 5: Another one says you need to tell more people this.
Speaker 4: Another one said, but Tom, what about when you said
Speaker 4: people should have free school, free college. Now, let me
Speaker 4: explain something. There is a fine line between the controlling
Speaker 4: outcome an opportunity. I've said this before. Don't take this
Speaker 4: word the wrong way. I'm a socialist for opportunity. I
Speaker 4: believe opportunities should be out there for everyone, all kinds
Speaker 4: of opportunities. I do not believe people who do not
Speaker 4: seize the opportunity. People who do not produce should simply
Speaker 4: be given handouts unless there's something wrong with them or
Speaker 4: they're so old they need help.
Speaker 5: That's different.
Speaker 4: So I truly believe not to each according to their need,
Speaker 4: and from each according to what they have. I don't
Speaker 4: believe in that bs. However, I believe in an equal
Speaker 4: playing field and people should have opportunity right now in
Speaker 4: some areas. I don't know if it's totally equal. I
Speaker 4: don't know if it is, but that's a whole different topic.
Speaker 4: The point is this everyone, everyone should have opportunity, and
Speaker 4: I don't know if too many people denied opportunity. Now
Speaker 4: there are people who are, let's say, indoctrinated into thinking
Speaker 4: they don't have opportunity. And you can thank the Democratic
Speaker 4: Party for that, because they indoctrinate you if you're a
Speaker 4: black and minority to or a woman, to automatically think
Speaker 4: you don't have opportunity. Now, to some extent, a little
Speaker 4: of that's true, and it was way true earlier in life.
Speaker 4: Things are getting better. Ask Lebron James. You know, here's
Speaker 4: the point. I think we got to stop caring about
Speaker 4: hurting feelings. My God in heaven, who ever said everyone's
Speaker 4: got to feel good? You know, sometimes it's good not
Speaker 4: to feel good. Sometimes it's good to be depressed. Sometimes
Speaker 4: there's reason to be depressed, so you look inward and
Speaker 4: find the reason and then start making changes. Let's go
Speaker 4: to Cynthia, who has an issue with an HOA.
Speaker 5: Cynthia, what's happening?
Speaker 3: Uh? Yeah, I just got out of the hospital.
Speaker 15: I'm a senior citizen, I lived on a I live
Speaker 15: on Social Security myself. I'm not nearest that off as
Speaker 15: this other lady.
Speaker 5: But Cynthia, there are a lot of people who are
Speaker 5: hurting right now. So let me ask you something. Why
Speaker 5: were you in the hospital?
Speaker 3: Oh, I had hip replacement surgery.
Speaker 4: Uh huh okay, and uh did Medicare take care of that?
Speaker 3: Uh? Yeah, Well I have some copays, but for the
Speaker 3: most Medicaid paper.
Speaker 5: How old? How old are you?
Speaker 4: I'm sixty nine, okay, So what's going on in your life?
Speaker 15: Well, my hoacs? Of course, I live in an I
Speaker 15: bought this condo with my husband twenty seven years ago,
Speaker 15: and our hoics have gone up usually five dollars a
Speaker 15: month for the last twenty years.
Speaker 5: Is the condo paid. Is the condo paid for? No.
Speaker 3: I when my husband passed away eight years ago, I refinanced, so.
Speaker 5: It's and you pulled cash out.
Speaker 3: Uh no, they just.
Speaker 5: To lower my Oh okay.
Speaker 15: You team it so I could afford it by myself.
Speaker 3: Because I was we had MS cleaning business, and no
Speaker 3: he passed, I had to take over all the bills
Speaker 3: by myself. So anyway, yeah, so this is okay. I
Speaker 3: mean the HOA went up this year, just a couple
Speaker 3: of months ago, sixty five dollars, which shocked me.
Speaker 15: So I called them and they said, well, it's insurance reasons,
Speaker 15: and I said, right.
Speaker 4: So many people, so many people are finding this. I
Speaker 4: just want to mention something on that note, because it's
Speaker 4: very important. People who are considering real estate often consider
Speaker 4: condos and town homes because the aggregate living or or
Speaker 4: the condo living, the condominium living actually was supposed to
Speaker 4: lower cost for people, and it does most of the time,
Speaker 4: even even with the assessments and even with hoafees. Here's
Speaker 4: the problem, though, Cynthia, and I'm speaking to others too,
Speaker 4: and I will take I promise we will talk about
Speaker 4: your situation the HOA unless they're lying and cheating, which
Speaker 4: most of them are not. The HOA is not other people,
Speaker 4: it's you.
Speaker 5: It's you and your neighbors.
Speaker 4: And when when prices go up with HOA, it's not
Speaker 4: so they can buy Lamborghinis. It's usually because expenses are
Speaker 4: going up, or deductibles have gone up, or insurance premiums
Speaker 4: have gone up. And while no one likes it, I've
Speaker 4: seen hoa's where they turn down premium excuse me, hafee increases,
Speaker 4: they turn it down, and they've turned them down for
Speaker 4: eight years, and all of a sudden a storm comes
Speaker 4: and they don't have enough money in the coffers, and
Speaker 4: now each and every owner has to come up with
Speaker 4: thirty grand.
Speaker 5: There is no cheating. There is no cheating.
Speaker 4: The expenses have to be paid, whether we like it
Speaker 4: or not, whether it's slowly over HOA or whether.
Speaker 5: It's a lump sum in an assessment. Now I'm going
Speaker 5: to come back to you, and I want to hear
Speaker 5: about this. But unless the HOA, and I mean literally
Speaker 5: stealing or mismanaging by hiring buddies, unless that's happening, it's
Speaker 5: a fact of life that HOA fees are going to
Speaker 5: keep going up, and in fact, We've only seen the beginning,
Speaker 5: and part of that is due to insurance. So hold on.
Speaker 4: I promise you will discuss your situation right after this.
Speaker 4: Three oh three seven one three talks seven one three
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Speaker 4: and pain and whatever you can think of for stem cells.
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Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance checkup free, no obligation comparison call
Speaker 4: Compass Insurance paying too much your coverage at dozens of
Speaker 4: insurance companies find out now three oh three seven seven
Speaker 4: to one help. You'll think you're his only customer when
Speaker 4: you choose Frank durand the real estate Man dot com
Speaker 4: to list your home with Remax Alliance three oh three
Speaker 4: nine two zero sixteen twenty two. Hi Tom Martino, here, Cynthia.
Speaker 4: Let's talk to you now. So you're sixty nine, you're
Speaker 4: in a condo, you got out of the hospital from
Speaker 4: hip replacement.
Speaker 5: The HOA fees keep going up. What's so? What's going on?
Speaker 5: What can we do?
Speaker 15: For you, sir, That's not why i'm calling. I'm calling
Speaker 15: about an electrician. My brothers said you might be able
Speaker 15: to pok camp with an electician that helps seniors. Because
Speaker 15: now they're saying that we have to pay two thousand
Speaker 15: dollars to get our electric panel replacement because.
Speaker 5: The old But let's make sure that's true. Who told
Speaker 5: you that?
Speaker 15: EHOA sent out emails to everybody saying that they found
Speaker 15: out that our electric panels are not up to date
Speaker 15: and it's a fire hazard and their insurance won't cover it,
Speaker 15: so we got to.
Speaker 3: Pay for it out of pocket.
Speaker 4: Yeah, well, insurance doesn't cover out of date stuff. Insurance
Speaker 4: only covers casualty losses. So it's they're right about that.
Speaker 4: Now are these are these electrical panels one for each unit,
Speaker 4: so it's your own right, yes?
Speaker 5: Okay? And what do they say? Do they say they
Speaker 5: need to be.
Speaker 4: Upgraded as far as the power demand or simply redone
Speaker 4: as far as the brand.
Speaker 3: Upgraded?
Speaker 15: And I think both. What you just said is because
Speaker 15: it's hard for me to.
Speaker 16: Understand all the Do you have the letter they sent.
Speaker 3: Yeah, I have it on my email.
Speaker 4: Basically, it's if you can send us that letter. We'll
Speaker 4: help you make the right choice. We have plenty of
Speaker 4: good people we can send to you or at least
Speaker 4: put you in touch with. You know, it's never cheap
Speaker 4: to do a complete panel, but I'd like to try
Speaker 4: to find someone who can give you a break.
Speaker 5: Tell me something. Do you have that letter right in
Speaker 5: front of you.
Speaker 15: I have it on my email.
Speaker 5: I'll tell you what. I'll tell you what. Hold on.
Speaker 4: I want you to send it to me and hang on.
Speaker 4: We'll try to find the best person for the job.
Speaker 15: Okay, thank you, all.
Speaker 5: Right, Steve, what is your comment? Go ahead, Steve.
Speaker 11: Tell them you were talking to the lady that you
Speaker 11: were trying to help out and struck a nerve with
Speaker 11: me about thirteen years ago. I think you helped Kerle
Speaker 11: and I out.
Speaker 5: That's right, and I'll tell you what you were.
Speaker 17: You were the savior.
Speaker 5: But why did I help you out, Steve?
Speaker 4: Because you two were hard working fools and wanted to
Speaker 4: do anything it would take. That's what you did and
Speaker 4: you went to work. Hang on, Steve, we'll come right
Speaker 4: back to you. Okay, I got to take a break.
Speaker 4: We're I'm Tom Martino more coming up. Go with a
Speaker 4: sure thing. Denver's best roofer Excel Roofing dot com. You
Speaker 4: don't pay a cent until you're content. Time for an
Speaker 4: insurance check up free, no obligation. In comparison, call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three O three seven seven to
Speaker 4: one help. You'll think you're his only customer when you
Speaker 4: choose Frank durand the real estate Man dot com to
Speaker 4: list your home with Remax Alliance three oh three nine
Speaker 4: zero sixteen twenty two.
Speaker 3: Yeah, Rit tough man, you need advice so you don't have.
Speaker 4: Come.
Speaker 1: Run in just as fast as we can. Shooter's gonna help.
Speaker 18: Come Dix is the Troubleshooter Show.
Speaker 5: Now, Tom Martinez, Hi, how are you doing?
Speaker 4: Let's talk about solving your problems, answering your questions, taking
Speaker 4: your complaints, as I've been doing for nearly fifty years,
Speaker 4: forty five in Denver, well, actually more than fifty years
Speaker 4: outside of Denver, but let's say nearly fifty in Denver
Speaker 4: forty five years actually are forty six now, and we
Speaker 4: have Henry Brest with us from Excel Roofing. Quickly, Henry,
Speaker 4: does this weather change anything obviously you're not going to
Speaker 4: be installing roofs. Any any tips for people? What can
Speaker 4: you work on right now? What should people be calling about?
Speaker 13: You know, the main thing that people should be aware
Speaker 13: of is just their insulation and also leakage. So a
Speaker 13: lot of homes in Denver, it's actually about nine out
Speaker 13: of ten homes are under insulated, and it's really important
Speaker 13: to bring that insulation up to code. In the ceiling absolutely,
Speaker 13: and I mean there's walls. You guys don't do insulation right.
Speaker 13: We absolutely do insulation in the ceiling.
Speaker 19: Oh I didn't know that, Okay, So for the attic,
Speaker 19: not the rest of the walls, right with the ceiling.
Speaker 13: And what that does is it causes a lot less
Speaker 13: stress on your AC unit you're heating.
Speaker 12: It's much more efficient, right.
Speaker 13: And so there's a lot of there's a lot of
Speaker 13: companies out there that want to just do.
Speaker 5: The roof right.
Speaker 12: We're not like that. We'll do all the repairs.
Speaker 13: We'll take care of your full system insulation, you know, shingles, repairs,
Speaker 13: anything like that. Leaks, not just replaced, not just replacements.
Speaker 5: And then what you did for me was the ventilation of.
Speaker 13: The attic absolutely, and that ties right back into the insulation,
Speaker 13: making sure that that hot air stays in the house
Speaker 13: in this in the winter, and that cold air.
Speaker 12: You know, it's it's more.
Speaker 4: You want convective currents going through the attic.
Speaker 19: You want that exchange of air in the attic, and
Speaker 19: with your whole house fan, we need to make sure
Speaker 19: that all of that air has somewhere to go, right,
Speaker 19: And so that's what we did on your attic, is
Speaker 19: adding those fans to pull out that.
Speaker 5: Air, right. Yeah, And there're two different things.
Speaker 4: Attic ventilation is separate from whole house fans, So just
Speaker 4: keep that in mind. So I left off with Betty,
Speaker 4: I'll go you know I did, and I'm gonna go
Speaker 4: back to Betty. And then what happened to Uh, let's see,
Speaker 4: we did have Cynthia.
Speaker 5: And what are we gonna do with Cynthia?
Speaker 4: We were gonna get that letter and then I'm going
Speaker 4: to try to help her find an electrician.
Speaker 5: Is that right, Kachina? Is she sending that to us?
Speaker 20: Yes?
Speaker 5: That is correct? All right?
Speaker 4: So Steve is calling, and I believe Steve. This was
Speaker 4: during Colorado's first recession. It wasn't in the two thousand
Speaker 4: and nine ten time was it, Yeah, it was, Oh,
Speaker 4: it was the okay, it was the great Recession.
Speaker 5: I remember.
Speaker 4: So you called and said, look, I'm losing my home,
Speaker 4: I'm losing my business and things are just rough. Now
Speaker 4: it's not because you hadn't been working, but this recession
Speaker 4: was just massively bad and business dried up.
Speaker 5: And continue your story.
Speaker 21: Well, you're right.
Speaker 11: We started losing the house. We worked for Home New
Speaker 11: Home construction, so when it shut down, we thought we
Speaker 11: would make it through it, but we didn't. We had
Speaker 11: to sell the house. We lost everything. And so then
Speaker 11: it was November eleventh, in two thousand and eleven. I
Speaker 11: called the radio station to ask you for help.
Speaker 5: And eleven eleven eleven.
Speaker 11: You got two thousand, two thousand.
Speaker 17: Yeah it was two.
Speaker 5: I was eleven eleven eleven, bro snake eyes.
Speaker 11: So think about it. But anyway, mom's story short, Cheryl
Speaker 11: and I are doing fine and we are on your
Speaker 11: referral list, and honestly, I thank you most every day.
Speaker 11: We bought a house and we're happy.
Speaker 5: I know y'are.
Speaker 4: And you're hard working and you never looked back. You
Speaker 4: never blamed anyone. You just started working your tail off.
Speaker 4: We started shuttling work to you and through the years
Speaker 4: have kept in touch as friends.
Speaker 11: That's it, and I want to thank you.
Speaker 5: Well, Steve.
Speaker 4: Thanks for looking back, Thanks for uh, for for all
Speaker 4: the success you've had, and for the quality work you've
Speaker 4: done for me over the years.
Speaker 5: I really appreciate it.
Speaker 4: On everything I've ever owned, when I need it done
Speaker 4: and refurbished, I asked you to do it. And my
Speaker 4: doors are still looking great, the garage doors with all
Speaker 4: this weather, and that's important. And he's with star quality painting.
Speaker 4: That was his story.
Speaker 5: Eleven eleven eleven was when we started helping. We did some.
Speaker 4: Things that that we just wanted to help him and
Speaker 4: and and it worked.
Speaker 17: Well.
Speaker 4: We're Betty, Welcome to the show. I'm Tom Martinez. What's
Speaker 4: going on, Betty? What's happening?
Speaker 8: Well, Tom, I'm like the last caller. I'm thankful for
Speaker 8: you every day.
Speaker 3: You've made me a better.
Speaker 8: Business woman and I needed it, so you've kind of
Speaker 8: filled in the books.
Speaker 5: Thank you.
Speaker 4: No, I appreciate you saying that. Now you didn't have
Speaker 4: to say that. So what's happening?
Speaker 3: Well? On Friday, I had an eighty year old brother
Speaker 3: tell me he was planning a move. I knew he
Speaker 3: was getting an apartment, you know, he's getting a mobile home.
Speaker 3: But I didn't know. I didn't know this was going
Speaker 3: to happen. But he ended up going online and like
Speaker 3: I said, he's eighty and he when he came over,
Speaker 3: he told me the next day he said, yeah, the
Speaker 3: movers are from Florida.
Speaker 5: Oh no, oh no.
Speaker 3: I got like physically ill, you know, for days.
Speaker 5: And where was he moving? Where was he moving from?
Speaker 5: Where to where?
Speaker 8: From like the Dea area to Oklahoma? And I, like
Speaker 8: you were talking about feelings earlier.
Speaker 3: I decided, now I'm going to tell him. You know,
Speaker 3: I'm going to say, this is what I've heard on
Speaker 3: your show. You know that all the scammers are there
Speaker 3: in Florida. And so I told him, you know, I
Speaker 3: went through.
Speaker 5: And did they take money upfront from him?
Speaker 3: You know, he put he put three thousand down and
Speaker 3: I I can't tell you the name of the company
Speaker 3: at this moment. He wants to. He thought the bank
Speaker 3: would protect him, and I was thinking, you know, there's
Speaker 3: different kinds of frauds, so I hope the bank does
Speaker 3: protect him.
Speaker 5: You know, so well, did he send the money out already?
Speaker 3: You know, I would say they deducted it from his account.
Speaker 3: I tried to tell him to put a how.
Speaker 4: Much did they take? How much did they take from him?
Speaker 3: Okay, three thousand.
Speaker 5: So well, here he's got he's got to close the account.
Speaker 4: You know, if Betty, if he doesn't close the account,
Speaker 4: they can go back to the account. Even if he changes.
Speaker 4: Here's the sick part of this. Even if he changes
Speaker 4: the account in the same bank, the bank will still
Speaker 4: honor it.
Speaker 5: He has to literally leave the bank.
Speaker 8: Okay, let me write down what you just said.
Speaker 3: Okay, okay, So he has to go what.
Speaker 5: Bank is he with?
Speaker 3: Account?
Speaker 5: Yeah? What bank is he with?
Speaker 3: You know, I don't even know his bank.
Speaker 4: Okay, He's got to leave the entire banking system and
Speaker 4: go to another bank, for example, if it's United, if
Speaker 4: it's Chase, if it's he's our first bank. He's got
Speaker 4: to go to a completely different company with a completely
Speaker 4: brand new account or.
Speaker 3: I get it.
Speaker 4: I promise you they will tap his account. They will.
Speaker 4: They will absolutely tap.
Speaker 5: Now.
Speaker 4: Three grand right now would be the most he loses.
Speaker 4: And here's what's going to happen if he continues. I
Speaker 4: know what's going to happen.
Speaker 21: Okay, They're going to come.
Speaker 4: To pick up the stuff and get more money because
Speaker 4: they're going to say it was more than they thought.
Speaker 3: Okay, but may I tell you something.
Speaker 5: Go ahead.
Speaker 3: My other brother was there, the one brother, the eighty
Speaker 3: year old.
Speaker 8: He's already in Oklahoma with another brother helping him.
Speaker 3: Okay, okay. And my youngest brother was there. And because
Speaker 3: of your show, I warned those guys, you know, I said,
Speaker 3: you know all the red flags. He was my younger brother.
Speaker 3: You helped him so much, you empowered him to say
Speaker 3: go away, so he could. They wanted more money.
Speaker 5: I knew it. Say I knew it.
Speaker 4: And when they got the more money then and by
Speaker 4: the way, that person isn't the one that got the
Speaker 4: three grand. So they all want to take a bite
Speaker 4: at the apple. So that guy that showed up to
Speaker 4: pick up the stuff wanted more money, then he would
Speaker 4: have gotten about two or three grand. And then then
Speaker 4: hold on, then they would have taken the stuff to
Speaker 4: someone else, and that someone else wanted more money to
Speaker 4: deliver it, so they would have hit him three times.
Speaker 3: Right, So this is okay. So he has to leave
Speaker 3: the banking system, and what.
Speaker 4: That particular bank, he has to open a new account.
Speaker 4: That's the first thing that's just to insulate him from
Speaker 4: future loss.
Speaker 5: Then he has to get a real mover.
Speaker 8: Okay, And I'm hoping and praying this other brother that's more.
Speaker 3: Well to do.
Speaker 8: He put it on his own credit card. He hired
Speaker 8: another mover and I said where are they from?
Speaker 3: And he said Nevada. No, they're supposed to.
Speaker 4: Come to No, no, no, why do they keep doing this?
Speaker 5: Just hire someone local? Where are they?
Speaker 17: Where?
Speaker 5: Where does he live? Right now?
Speaker 3: The brother helping lives in Texas?
Speaker 4: So no, no, I'm talking about the person moving. Are
Speaker 4: they in Colorado?
Speaker 3: Okay? My one brother is he's there. He's supposed to
Speaker 3: be out of his mobile home right now.
Speaker 5: But where was that? Okay? Who did anyone pick up
Speaker 5: this stuff from the mobile home?
Speaker 3: Not yet? Because he sent that He sent the Florida
Speaker 3: company away. He said, go away. I'm not giving you
Speaker 3: any more money.
Speaker 5: Okay.
Speaker 4: So now why would he call someone from Nevada? Why
Speaker 4: not just call someone from Denver that I know and trust.
Speaker 4: Why would he call someone from Nevada or from Florida
Speaker 4: or any of those?
Speaker 1: Why?
Speaker 3: You know? Why? Tom? Because I tried to stop him,
Speaker 3: I got killed.
Speaker 5: Okay, So I'm asking, can you stop him now.
Speaker 3: Hello, Okay, may I ask you, Tom, do you have
Speaker 3: a company that you would recommend?
Speaker 5: Yes?
Speaker 4: I do, Okay, I have, I have a I have
Speaker 4: you know what, here's the problem.
Speaker 5: Yes, I do, I do.
Speaker 4: And and just just hang on and I'll come back
Speaker 4: to you. Please, people, there are not many honest movers
Speaker 4: and there aren't There are ways to find them, but
Speaker 4: you don't go online. And if you do, you got
Speaker 4: to know how to evaluate him. You're not gonna get
Speaker 4: him out of Nevada. You're not gonna get him out
Speaker 4: of Florida. You're not gonna get him out of California.
Speaker 5: You're just not.
Speaker 4: Okay, hang on, I'm Tom Martino. We have more coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three, seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. I'm Martino troubleshooter
Speaker 4: three oh three seven one three talks seven one three
Speaker 4: eight two five five eight eight eight Heating dot Com.
Speaker 4: It's getting a little cold pretty soon. You're not gonna
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Speaker 4: need a new system, get the high efficiency they offer.
Speaker 4: And we're talking about saving thirty to forty percent a month.
Speaker 5: Eight eight eight Heating dot Com. Okay, now.
Speaker 4: I want to take uh this Betty so Betty Johnson
Speaker 4: moving in storage.
Speaker 3: Okay, Johnson j O h N ss N, Yeah.
Speaker 4: For for Interstate Moving, Johnson Moving in Storage, dur Insantennial.
Speaker 3: Forage, no kidding, Oh my gosh.
Speaker 4: Okay, now listen, I'm going to tell you something. Here's
Speaker 4: something not going to like. You're they're not gonna like
Speaker 4: the price they get. Maybe I don't know. I'm not
Speaker 4: saying they're exorbitant. They're honest, but it's an honest price,
Speaker 4: and they're not gonna because the Internet movers always lowball you,
Speaker 4: always lowball you, and then always sock you three times. Okay,
Speaker 4: So he lost three grand already he's never going to
Speaker 4: get it back. And if he went forward, he would
Speaker 4: have lost more and his stuff would have been so
Speaker 4: jacked up. I'm so happy that we're stopping this in
Speaker 4: its tracks.
Speaker 3: Okay, Tom, tell me something about computers. All right, I'll
Speaker 3: tell you what the plot is. Evening here.
Speaker 8: The other brother that's more well to do, he put
Speaker 8: nine hundred down for this Nevada mover.
Speaker 3: The deal is that they told him four thousand total.
Speaker 3: So the other hand, how did they.
Speaker 4: Tell him without seeing it? How did they tell him
Speaker 4: without seeing it?
Speaker 3: You know? Tom, I told him to wait. I told
Speaker 3: him I'm calling.
Speaker 5: Well, you know what.
Speaker 4: He probably lost the nine hundred bucks. How did he
Speaker 4: do it? Did he give his bank information out?
Speaker 3: I would say, put it on a credit card?
Speaker 5: I well, then he ought to dispute.
Speaker 3: It routing numbers?
Speaker 5: Okay, I mean, honest.
Speaker 4: To god, I mean these guys are they educated people?
Speaker 8: My more well to do brother is the others just don't.
Speaker 8: The other two are there, you know, they're the people
Speaker 8: that make it.
Speaker 4: Well, then the well to do brother just got an
Speaker 4: education for nine hundred bucks, I doubt. Listen, try to
Speaker 4: dispute it. If he put it on a credit card. Again,
Speaker 4: if he put it on his bank account, he can
Speaker 4: look forward to his bank account being cleaned out in
Speaker 4: the future.
Speaker 5: So it's really up to him. Okay, Betty, I hate
Speaker 5: saying this stuff. I'm telling you and.
Speaker 3: No, no, Tom, I need to hear it because I'm
Speaker 3: I have to tell them. So. So with the Florida
Speaker 3: contract thought I wasn't online with him. Does he have
Speaker 3: to cancel that? Does he have to send a statement?
Speaker 3: Does he have to?
Speaker 4: Well, I would, but it doesn't matter. They're so that
Speaker 4: got First of all, the guy is in a underwear
Speaker 4: in a basement somewhere on his computer, and he's not
Speaker 4: even a mover and or or he's and I know
Speaker 4: when people hate when I say this, he's an Israeli
Speaker 4: national because ninety nine percent of them are. And they
Speaker 4: start moving companies in Florida. I don't know why, but
Speaker 4: they do. And that's just a fact of life. And
Speaker 4: then they rip people off. Okay, So that's what's going on.
Speaker 4: So what they have to do is they have to
Speaker 4: he should cancel it. But the more it'll cancel automatically
Speaker 4: when he doesn't pay.
Speaker 3: Okay, yeah, just so because they're but.
Speaker 5: He has to change his banking all right.
Speaker 3: Same for the brother, the other brother that just put it.
Speaker 3: If you put it on his credit.
Speaker 5: Card, no not.
Speaker 4: If you put it on a credit card, you have
Speaker 4: to cancel the credit card though, and you can't just
Speaker 4: change the number. People ask me what do you mean
Speaker 4: by that. Let me explain this to you. If you
Speaker 4: cancel a bank account and open another bank account in
Speaker 4: the same bank, and something comes in on the old
Speaker 4: bank account, the bank doesn't look to see if it's legitimate.
Speaker 4: They simply transfer it to the new bank account. And
Speaker 4: why would they do that, Because when you open up
Speaker 4: accounts at that bank, you sign what's called a cross
Speaker 4: collateralization agreement. It should really be called a cross pollination agreement.
Speaker 4: So what that means is this, anything on that old
Speaker 4: account can be transferred to your new account to settle
Speaker 4: it any ach that comes in. Now, I want to
Speaker 4: tell you something about banks. My god, people don't know this.
Speaker 4: When it comes to banks. They never check.
Speaker 5: The authenticity of an ac H. That's just a fact
Speaker 5: of life.
Speaker 4: Anyone with your anyone with your account number and your
Speaker 4: routing number can rob your bank. They don't need a gun,
Speaker 4: they don't need a knife. And if a banker tells
Speaker 4: you that's not possible, they are lying to you. Now
Speaker 4: you may say, well it wasn't legit. I'll get my
Speaker 4: money back. No, you won't. Okay, sometimes a bank might
Speaker 4: do it sometimes, but most of the time, if an
Speaker 4: ach comes in, they honor it. They do not check
Speaker 4: with you, they do not tell you, They just send
Speaker 4: the money. Now that's the sad banking secret. No one
Speaker 4: wants you to know.
Speaker 5: That's it. Now, let's talk about credit cards.
Speaker 4: You think, oh, I'll just cancel the credit card and
Speaker 4: get another one, like with Capital One or anyone. When
Speaker 4: you do that, it's the same account, just a different card,
Speaker 4: same thing. If a charge comes into that card and
Speaker 4: that card is closed, they put it on the new card.
Speaker 4: So you might think, wait a minute, whenever I lose
Speaker 4: a card, they tell me to do that.
Speaker 5: And it's for nothing. It's for nothing.
Speaker 4: Because all that person has to do when they send
Speaker 4: the charge in is say it's a recurring transaction and
Speaker 4: it's honored by the new card.
Speaker 5: So what do you do.
Speaker 4: You have to change credit card issuers and start.
Speaker 5: A whole new account again.
Speaker 4: If they don't tell you that at the credit card company,
Speaker 4: they're lying to you. You see, this show is about truth.
Speaker 4: There you go, that's the said. So your brothers, your
Speaker 4: brothers keep just digging their hole because they think they
Speaker 4: know what they're doing.
Speaker 5: I gotta move on. Thank you, Betty.
Speaker 4: Three h three seven to one to three talk seven
Speaker 4: one three eight two five five. Did she ever send
Speaker 4: us that hoa letter about the increase or excuse me
Speaker 4: about the changing electrical panels? I want to help her,
Speaker 4: Not yet, Okay, Sandy has a question on a landlord. Sandy,
Speaker 4: I'm Tom Martinez. What's going on, Sandy?
Speaker 22: Hey, good morning, Tom.
Speaker 3: Listen to you for a long long time.
Speaker 5: Thank you, Sam.
Speaker 3: We have I taken a lot of your advice.
Speaker 22: We have a rental house and it is vacant at
Speaker 22: the moment, and they just moved out. I'm just wondering
Speaker 22: if the new laws are so restrictive. And we're not
Speaker 22: in Denver County, We're in Jefferson. But there's so many new.
Speaker 4: Laws, that's right, new eviction laws, which means, by the way,
Speaker 4: let me just explain this to you.
Speaker 5: In general, you're a landlord when.
Speaker 4: You rent out a place, even if it's month to
Speaker 4: month or a yearly lease, you are bound to keep them.
Speaker 4: Unless you have a just cause to get rid of them.
Speaker 4: You're bound you have to keep them. So what are
Speaker 4: just causes? There are fewer than you think. Okay, I
Speaker 4: don't want to give you legal advice as a landlord
Speaker 4: right now, but you can call O'Brien Legal Services LS law.
Speaker 5: He'd be happy to help you.
Speaker 4: As a landlord to make up the lease the proper
Speaker 4: way and to make sure you don't get stuck. There
Speaker 4: are just causes, but they must be just causes according
Speaker 4: to the law. So in essence, all leases are perpetual leases. Yeah,
Speaker 4: you see that, and you can thank Jared Newsom for that.
Speaker 5: Jared Newsom polus.
Speaker 4: We should really, what we really should do is just
Speaker 4: call ourselves California West. It would just be easier, and
Speaker 4: then just adopt all their laws because that's what he wants.
Speaker 4: I swear to God, he doesn't have a thought that's original.
Speaker 5: Let's see what should I do next. Let's see. I'll
Speaker 5: go and ask Gavin. But that's what's going on.
Speaker 4: And by the way, if you looked at the map
Speaker 4: of the country, Colorado's still that little blue island in
Speaker 4: California with him, I mean, they love it, and it'll
Speaker 4: be to their detriment the state. You know what, God Almighty,
Speaker 4: what a great state at once was what a great
Speaker 4: city the new mayor's And by the way, they didn't
Speaker 4: they just increase the taxes for for aid.
Speaker 5: They did, they did. Our taxes will go up even more.
Speaker 14: Now.
Speaker 4: I didn't mean to rag on you, Sandy, but call
Speaker 4: ols Law O'Brien Legal Services. Let me give you that number.
Speaker 4: I'm serious about it. He's a good guy. And by
Speaker 4: the way, he's not political at all, by the way
Speaker 4: I was saying all this stuff. He's just an attorney.
Speaker 4: He's a great guy. He knows real estate. Seven to
Speaker 4: zero three seven zero, seventy three eighty eight. That's O'Brien
Speaker 4: Legal Services. We got more coming right up. Go with
Speaker 4: a sure thing Denver's best roofer Excel Roofing dot com.
Speaker 4: You don't pay a cent until you're content. Time for
Speaker 4: an insurance checkup free, no obligation. In comparison, call Compass
Speaker 4: Insurance paying too much your coverage at dozens of insurance
Speaker 4: companies find out now three all three, seven, seven to one.
Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate man dot com to list your
Speaker 4: home with Remax Alliance three all three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, your troubleshooter three L
Speaker 4: three seven one three talk seven one three eight.
Speaker 5: Two five five. By the way, thanks for joining us.
Speaker 4: And by the if you ever get a chance, go
Speaker 4: to YouTube on the YouTube channel and join us, and
Speaker 4: I think you'll love it on and off the air,
Speaker 4: and sometimes it's livelier than others. But we always have
Speaker 4: our morons talking to each other on there. That's what
Speaker 4: I affectionately call them, our YouTube morons, and that means
Speaker 4: that's a compliment. By day, Lou wants to talk about
Speaker 4: an autobody shop, or.
Speaker 5: He has a question, Go ahead, Lou, what's happening? Lou?
Speaker 16: Hey, Tom, I got a simple question.
Speaker 17: I live in the in the front range. But my
Speaker 17: son is temporarily living in Denver with his brother and
Speaker 17: he was in a motor vehicle accident and everything is fine,
Speaker 17: but his car is on the side of the road
Speaker 17: in the street right now.
Speaker 5: Now, is this your son and your son in law?
Speaker 17: You say no, my son and he answered the vehicle together,
Speaker 17: so okay, sure, okay.
Speaker 5: So Soun's car. Where is it right now?
Speaker 17: It's on in front of his brother's house in Denver
Speaker 17: on the street.
Speaker 5: Okay, it's not going to stay there long, you know.
Speaker 4: You understand that is either going to be robbed or
Speaker 4: stripped or it's going to be taken away by the city.
Speaker 5: What city is it?
Speaker 17: What it would be Denver?
Speaker 5: Okay?
Speaker 4: And is he in the snow area where they plow?
Speaker 17: I guess he would be, yes.
Speaker 5: I mean do they plow that street. A lot of
Speaker 5: streets they don't plow.
Speaker 17: I believe they. I believe they plow that street. And
Speaker 17: so really, how bad.
Speaker 5: Is the car? Is it drivable at all?
Speaker 17: No, it's probably it might end up being totaled. Actually,
Speaker 17: it's a twenty twelve Ford Mustang, and we had an
Speaker 17: adjuster out to look at it from the insurance company.
Speaker 17: We haven't quite heard back from them yet, because I
Speaker 17: thought before we got it towed away to a repair shop,
Speaker 17: we should maybe just have an adjuster check it, because
Speaker 17: if they're going to total it, you know, why even
Speaker 17: bring it to a repair.
Speaker 4: Shop because that's where they want to see it, and
Speaker 4: they'll pay for that. Most assurance policies will pay for
Speaker 4: towing it to a body shop.
Speaker 17: Well, and I'm not too worried about that. We can
Speaker 17: get a towed to the body to the body shop.
Speaker 17: But I was checking, you know, your referral list, and
Speaker 17: I don't see any body shops. I don't know if
Speaker 17: you guys have anything.
Speaker 5: Well, here's the problem. We've really been deficient on some
Speaker 5: categories because it's hard to find good people.
Speaker 4: It's not to say we can't make a recommendation, but
Speaker 4: as far as officially on the referral list.
Speaker 5: We may not have anybody. But I want to know this,
Speaker 5: what where are you? What area? Well?
Speaker 17: He is on East twenty fifth Street and Downing in Denver,
Speaker 17: okay five points five points.
Speaker 4: Okay, So if he needs a good there's a good
Speaker 4: body shop.
Speaker 5: And Aurora.
Speaker 4: I thought it was Aurora or Autobody, but they've been
Speaker 4: They used to be with us.
Speaker 5: They're good people. Let me make sure they're there, you know.
Speaker 4: Again, I apologize that we won't just put someone on
Speaker 4: the referral list to fill.
Speaker 5: A vacancy.
Speaker 4: No, it's Colorado Autobody. Yeah, Colorado Auto Body. They're not
Speaker 4: bad people. We used to have them, you know. And
Speaker 4: I'll tell you what though, there are some people over
Speaker 4: the years. I can tell you where we don't get complaints.
Speaker 5: That's one of them.
Speaker 4: Another one is I don't Perry and Terry, I don't
Speaker 4: know they're still around.
Speaker 5: Again.
Speaker 4: See so many companies come and go. I've been here
Speaker 4: for so long. Perry and Terry used to be a
Speaker 4: wonderful auta body shop. And again they're still there. They
Speaker 4: have five star ratings.
Speaker 17: And Perry and Terry, Terry and.
Speaker 5: Terry, uh huh.
Speaker 4: And then we're not talking cheap now, we're talking good
Speaker 4: autobody shops.
Speaker 17: Right yeah, Now, I mean if we can get it fixed,
Speaker 17: we're going to get it fixed the right way.
Speaker 4: Well, yeah, if you're going to value the car, they
Speaker 4: can do that too, or not value, but value to
Speaker 4: give you an accurate price so you can get it
Speaker 4: total if you need to. And again you're going to
Speaker 4: have to deal with your insurance company on the total
Speaker 4: value of the car. But if you ever have and
Speaker 4: most insurance companies they're going to try to low ball
Speaker 4: you on the value. Okay, they're just going to try
Speaker 4: to do that. Whose fault was this accident?
Speaker 17: It was probably his, yes, okay.
Speaker 4: So on the value of the car, if you need,
Speaker 4: ever need help establishing the value. And you think your
Speaker 4: insurance is being unfair to you, you need to call
Speaker 4: You need to go on a refer list refer list
Speaker 4: dot com, and you need to go to petty details
Speaker 4: p E T T Y Petty Details, Okay, and they
Speaker 4: can give you a pretty good price petty details. Yeah,
Speaker 4: so start there. And again, let's see, I was going
Speaker 4: to tell you about some other I believe Caliber, Caliber
Speaker 4: is it Caliber Collision, that they're not bad and I'm
Speaker 4: only going by I'm only going by complaint history. We
Speaker 4: haven't gotten complaints about Caliber either. All right, So Caliber,
Speaker 4: Perry and Terry, Colorado Autobody.
Speaker 5: There's there's some really good body shops.
Speaker 17: Okay, okay, okay, I wouldn't.
Speaker 5: Go, I wouldn't go to like fast food ones.
Speaker 14: But yes, you know what you mean, and you can
Speaker 14: tell it.
Speaker 17: Sounds like rather than waiting to hear from this adjuster
Speaker 17: that we should just get the car towed away, then well, of.
Speaker 4: Course you should, or you're gonna lose it. I mean
Speaker 4: either one. I mean, and adjusters don't like coming to
Speaker 4: houses to do that, especially in bad weather.
Speaker 5: But you know it's up to you.
Speaker 17: They did, they did, They came three days ago.
Speaker 5: Oh so they already they are, Oh they already then
Speaker 5: valued it.
Speaker 17: Well they didn't they they came on Monday.
Speaker 4: But they will value it, is what I mean. They've
Speaker 4: already examined it.
Speaker 17: Yeah, well technically, but we haven't heard anything back. And
Speaker 17: I'm waiting for days here, you know.
Speaker 4: And yeah, you will on the street, you will, you'll
Speaker 4: hear from them. I mean, if they came out, they're
Speaker 4: going to do something. Three all three seven one three
Speaker 4: talk three all three seven one three eight two five five.
Speaker 4: Speaking of cars, one Clear Choice Garage Doors will take
Speaker 4: a look at your garage doors and do an inspection.
Speaker 5: I think it's like eighty bucks if you're moving into
Speaker 5: a house.
Speaker 4: But they also do complete openers, any part of the opener,
Speaker 4: any part of the door, complete doors, and they're factory
Speaker 4: authorized for most doors. That's one Clear Choice Doors dot Com.
Speaker 4: And I'm telling you no one does a better job.
Speaker 4: Seven to zero three seven zero thirty nine eighty seven
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're contents
Speaker 4: time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies. Find out now three oh three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: oh three nine two zero sixteen twenty two. Hi Tom
Speaker 4: Martino three oh three seven one three talk seven one
Speaker 4: three eight two five five.
Speaker 5: Rich, We've had steady calls.
Speaker 4: Keep calling and you can always call three oh three
Speaker 4: Martino at any time and we'll line you up for
Speaker 4: a show.
Speaker 5: Rich, what's going on?
Speaker 22: Sure?
Speaker 7: I was actually just calling about a problem I'm having
Speaker 7: with Excel and or and claim that I had put in.
Speaker 5: Okay, so what's going on with Excel?
Speaker 14: We had and I'm not sure exactly what happened, but
Speaker 14: some type of a short in our backyard. So it
Speaker 14: didn't happen at my box, but.
Speaker 17: At their supply coming in.
Speaker 5: Now, how do you know how do you know you
Speaker 5: had a short?
Speaker 14: Well, I don't know if it's a short. All I
Speaker 14: know is the technician that came out. So it started
Speaker 14: off fire our box in the backyard, and then it
Speaker 14: electrified my box.
Speaker 5: I tried to go and oh my goodness, wait a minute.
Speaker 4: So you just happen to look out one day and
Speaker 4: see a fire in your junction box our neighbor.
Speaker 14: Actually it was during the holiday, the last holiday came.
Speaker 5: And the neighbor noticed it while we're in the house. Correct,
Speaker 5: And where what box are you talking about?
Speaker 4: Are you talking about the transformer that goes to your
Speaker 4: house or something else that affects more than just your house?
Speaker 16: So I know that to shut it off day after
Speaker 16: shot off several houses.
Speaker 4: So the fire the box was in a junction box.
Speaker 4: It wasn't just your house, correct.
Speaker 23: I think it just affected my home only though, until
Speaker 23: they shut off the supply.
Speaker 5: Okay, So what happened.
Speaker 14: Then, well, electrified my box. I did try to go
Speaker 14: out and shut shut it off.
Speaker 5: Now what do you mean shut off?
Speaker 17: What?
Speaker 5: Shut off? Your break?
Speaker 8: Mean?
Speaker 5: Yeah? Okay, okay, what.
Speaker 14: Happened shocked me? Oh, shocked me?
Speaker 4: So you know, of course, So it shocked you when
Speaker 4: you tried to touch the the off switch.
Speaker 5: No, just even open my box, that's what I mean.
Speaker 4: Oh oh oh, just to even open it. The whole
Speaker 4: thing was electrified.
Speaker 17: Correct, yes, wow?
Speaker 14: And then and in the house.
Speaker 20: My my wife was baking, the oven blew out. A
Speaker 20: lot of different things did happen? I mean a multitude
Speaker 20: a list of things that actually went out.
Speaker 5: And now are they denying it's their problem?
Speaker 21: Yes?
Speaker 14: Through the claim process, yes they are saying that they
Speaker 14: recognize that it happened, but due to some state statute
Speaker 14: that they're not liable.
Speaker 4: Did they quote the statute?
Speaker 5: They did?
Speaker 14: And I don't have any of that stuff in front
Speaker 14: of me.
Speaker 17: I do apologize.
Speaker 14: My wife's been working really hard.
Speaker 5: How much did all of this come to?
Speaker 16: Roughly around six or seven thousand dollars?
Speaker 5: Oh my goodness. Now you do have homeowner's insurance that
Speaker 5: will cover it.
Speaker 24: We do, and that's I think that's one of the
Speaker 24: main reasons I wanted to call you, is just to
Speaker 24: get advice.
Speaker 14: But I'd hate to make a claim knowing that it
Speaker 14: counts against me.
Speaker 4: All right, why don't you hold on and we'll get
Speaker 4: our insurance expert.
Speaker 5: Hang on, Okay, go with a.
Speaker 4: Sure thing Denver's Best roofer excel roofing dot com.
Speaker 5: You don't pay a cent until you're content, leave.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call Compass insurance, pay too much your coverage at dozens
Speaker 4: of insurance companies. Find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two.
Speaker 1: Ye rip tough.
Speaker 3: You need so you don't have run anxiousness fast as
Speaker 3: we can.
Speaker 1: Shooter's gonna help.
Speaker 18: Come Dix is the Troubleshooter Show. No, Tom Martinez, Hi, how.
Speaker 5: Are you doing?
Speaker 4: Let's talk about solving problem's, answering your questions, taking your
Speaker 4: complaints as I've been doing for nearly fifty years, forty
Speaker 4: five in Denver, well, actually more than fifty years outside
Speaker 4: of Denver, but let's say nearly fifty.
Speaker 5: In Denver forty five years.
Speaker 4: Actually are forty six now, and we have Henry Breast
Speaker 4: with us from Excel Roofing quickly, Henry, does this weather
Speaker 4: change anything? Obviously you're not going to be installing roofs.
Speaker 4: Any tips for people? What can you work on right now?
Speaker 4: What should people be calling about?
Speaker 13: You know, the main thing that people should be aware
Speaker 13: of is just their insulation and also leakage. So a
Speaker 13: lot of homes in Denver, it's actually about nine out
Speaker 13: of ten homes are under insulated, and it's really important
Speaker 13: to bring that insulation up to code.
Speaker 12: In the ceiling absolutely, I mean there's walls.
Speaker 5: You guys don't do insulation, right.
Speaker 13: We absolutely do insulation in the ceiling. Oh I didn't
Speaker 13: know that. Okay, So for the addic, not the rest
Speaker 13: of the walls, right with the ceiling. And what that
Speaker 13: does is it causes a lot less stress on your
Speaker 13: AC unit you're heating. It's much more efficient, right. And
Speaker 13: so there's a lot there's a lot of companies out
Speaker 13: there that want to.
Speaker 5: Just do the roof, right.
Speaker 12: We're not like that.
Speaker 5: We'll do all the repairs.
Speaker 13: We'll take care of your full system insulation, you know, shingles, repairs,
Speaker 13: anything like that.
Speaker 12: Leaks, not just replaced, not just replacements.
Speaker 5: And then what you did for me was the ventilation.
Speaker 13: Of the attic absolutely, and that ties right back into
Speaker 13: the insulation, making sure that that hot air stays in
Speaker 13: the house in this in the winter, and that cold air.
Speaker 12: You know, it's it's.
Speaker 4: More you want convective currents going through the attic.
Speaker 5: You want that exchange of air in the attic.
Speaker 13: And with your whole house fan, we need to make
Speaker 13: sure that all of that air has somewhere to go, right,
Speaker 13: And so that's what we did on your attic, is
Speaker 13: adding those fans to pull out that.
Speaker 4: Air, right. Yeah, And there're two different things. Attic ventilation
Speaker 4: is separate from whole house fans. So just keep that
Speaker 4: in mind. So I left off with Betty, I'll go
Speaker 4: just you know I did, and I'm gonna go back
Speaker 4: to Betty. And then then what happened to uh, let's see,
Speaker 4: we did have Cynthia, and what are we gonna do
Speaker 4: with Cynthia? We were gonna get that letter and then
Speaker 4: I'm gonna try to help perfined an electrician?
Speaker 5: Is that right? Kachina? Is she's sending that to us? Yes,
Speaker 5: that is corrects all right?
Speaker 4: So Steve is calling, and I believe Steve, this was
Speaker 4: during Colorado's first recession. It wasn't in the two thousand
Speaker 4: and nine ten time, was it?
Speaker 3: Yeah?
Speaker 5: It was, Oh, it was the okay, it was the
Speaker 5: great recession. I remember. So you called and said, look,
Speaker 5: I'm losing my home, I'm losing my business and things
Speaker 5: are just rough now it's not because you hadn't been working,
Speaker 5: but this recession was just massively bad and business dried up.
Speaker 5: And continue your story.
Speaker 11: Well, you're right, we started losing the house. We worked
Speaker 11: for Home New Home construction, so when it shut down,
Speaker 11: we thought we would make it through it.
Speaker 17: But we didn't.
Speaker 11: We had to sell the house. We lost everything, and
Speaker 11: so then it was November limit in two thoy and eleven.
Speaker 11: I called the radio station to ask you for help.
Speaker 5: And eleven eleven eleven.
Speaker 11: You've got two thousand, two thousand, Yeah it was.
Speaker 5: It was eleven eleven eleven, bro snake.
Speaker 17: Eyes, So think about it.
Speaker 11: But anyway, mom's story short. Cheryl and I are doing
Speaker 11: fine and we are on your referral list, and honestly,
Speaker 11: I thank you almost every day. We bought a house
Speaker 11: and we're happy.
Speaker 4: I know y'are and you're hard working and you never
Speaker 4: looked back. You never blamed anyone. You just started working
Speaker 4: your tail off. We started shuttling work to you and
Speaker 4: through the years have kept in touch as friends.
Speaker 11: That's it, and I want to thank you.
Speaker 5: Well, Steve.
Speaker 4: Thanks for looking back, thanks for all the success you've
Speaker 4: had and for the quality work you've done. For me
Speaker 4: over the years. I really appreciate it. On everything I've
Speaker 4: ever owned. When I need it done and refurbished, I
Speaker 4: asked you to do it. And my doors are still
Speaker 4: looking great, the garage doors with all this weather, and
Speaker 4: that's important. And he's with star quality painting. That was
Speaker 4: his story. Eleven eleven eleven was when we started helping.
Speaker 4: We did some things that we just wanted to help
Speaker 4: him and.
Speaker 5: It worked well. Worth it.
Speaker 4: Betty, Welcome to the show. I'm Tom Martinez. What's going on, Betty?
Speaker 4: What's happening?
Speaker 3: Well?
Speaker 8: Tom, I'm like the last caller. I'm thankful for you
Speaker 8: every day. You've made me a better business woman and
Speaker 8: I needed it, so you've kind of filled in the books.
Speaker 5: Thank you.
Speaker 4: No, I appreciate you saying that. Now you didn't have
Speaker 4: to say that. So what's happening? Well?
Speaker 3: On Friday, I had an eighty year old brother tell
Speaker 3: me he was planning a move. I knew he was
Speaker 3: getting an apartment, you know, he's getting a mobile home,
Speaker 3: but I didn't know. I didn't know this was going
Speaker 3: to happen. But he ended up going online and like
Speaker 3: I said, he's eighty and he when he came over
Speaker 3: he told me. The next day he said, yeah, the
Speaker 3: movers are from Florida.
Speaker 5: Oh no, oh no.
Speaker 3: I got like physically ill, you know, for days.
Speaker 5: And where was he moving? Where was he moving from?
Speaker 5: Where to where?
Speaker 3: From from like the Dea area to Oklahoma? And I,
Speaker 3: like you were.
Speaker 8: Talking about feelings earlier. I decided, now I'm going to
Speaker 8: tell him. You know, I'm going to say, this is
Speaker 8: what I've heard on your show. You know that all
Speaker 8: the scammers are there in Florida.
Speaker 3: And so I told him, you know, I went.
Speaker 5: Through and did they take money up front from him?
Speaker 3: You know, he put he put three thousand.
Speaker 8: Down and I I can't tell you the name of
Speaker 8: the company at this moment.
Speaker 3: He wants to. He thought the bank would protect him,
Speaker 3: and I was thinking, you know, there's different kinds of frauds,
Speaker 3: so I hope the bank does protect him, you know.
Speaker 5: So well, did he send the money out already?
Speaker 3: You know, I would say they deducted it from his account.
Speaker 3: I tried to tell him to put how.
Speaker 5: Much did they take? How much did they take from him?
Speaker 3: Okay, three thousand?
Speaker 4: So well, here's got to he's got to close the account.
Speaker 4: You know, if he did Betty if he doesn't close
Speaker 4: the account, they can go back to the account. Even
Speaker 4: if he changes. Here's the sick part of this. Even
Speaker 4: if he changes the account in the same bank, the
Speaker 4: bank will still honor it. They he has to literally
Speaker 4: leave the bank.
Speaker 8: Okay, let me write down what you just said. Okay, Okay,
Speaker 8: So he has to go what bank.
Speaker 3: Is he with making account?
Speaker 5: Yeah? What bank is he with?
Speaker 3: You know, I don't even know his bank.
Speaker 4: Okay, He's got to leave the entire banking system and
Speaker 4: go to another bank, for example, if it's United, if
Speaker 4: it's Chase, if it's he's our first bank. He's got
Speaker 4: to go to a completely different company with a completely
Speaker 4: brand new account.
Speaker 3: Or I get it.
Speaker 5: I promise you. Okay, they will tap his account. They will.
Speaker 5: They will absolutely tap. Now.
Speaker 4: Three grand right now would be the most he loses.
Speaker 4: And here's what's going to happen if he continues. I
Speaker 4: know what's going to happen. Okay, They're going to come
Speaker 4: to pick up the stuff and get more money because
Speaker 4: they're going to say it was more than they thought.
Speaker 3: Okay, but may I tell you something.
Speaker 5: Go ahead.
Speaker 8: My other brother was there, the one brother, the eighty
Speaker 8: year old. He's already in Oklahoma with another brother helping him.
Speaker 3: Okay, okay, and my youngest brother was there. And because
Speaker 3: of your show, I warned those guys, you know, I said,
Speaker 3: you know all the red flags. He was my younger brother.
Speaker 3: You helped him so much, powered him to say go away.
Speaker 3: So they wanted more money.
Speaker 5: I knew it. Say I knew it.
Speaker 4: And when they got the more money then and by
Speaker 4: the way, that person isn't the one that got the
Speaker 4: three grand, so they all want to take a bite
Speaker 4: at the apple.
Speaker 5: So that guy that showed up to.
Speaker 4: Pick up the stuff wanted more money, then he would
Speaker 4: have gotten about two or three grand. And then then
Speaker 4: hold on, then they would have taken the stuff to
Speaker 4: someone else, and that someone else wanted more money to
Speaker 4: deliver it, so they would have hit him three times.
Speaker 3: Right, So this is okay. So he has to leave
Speaker 3: the banking system.
Speaker 4: And with that particular bank, they has to open a
Speaker 4: new account. That's the first thing. That's just to insulate
Speaker 4: him from future loss. Then he has to get a
Speaker 4: real mover.
Speaker 8: Okay, And I'm hoping and praying this other brother that's
Speaker 8: more well to do. He put it on his own
Speaker 8: credit card.
Speaker 3: He hired another mover, and I said where are they from?
Speaker 3: And he said Nevada. No, they're supposed to.
Speaker 4: Come to No, no, no, why do they keep doing this?
Speaker 5: Just hire someone local? Where are they? Where? Where does
Speaker 5: he live? Right now?
Speaker 3: The brother helping lives in Texas?
Speaker 4: So no, no, I'm talking about the person moving. Are
Speaker 4: they in Colorado?
Speaker 3: Okay? My one brother is he's there. He's supposed to
Speaker 3: be out of his mobile home right now?
Speaker 5: But where was that? Okay?
Speaker 4: Who did anyone pick up his stuff from the mobile home?
Speaker 3: Not yet? Because he sent that he sent the Florida
Speaker 3: company away. He said, go away. I'm not giving you
Speaker 3: any more money.
Speaker 5: Okay.
Speaker 4: So now why would he call someone from Nevada? Why
Speaker 4: not just call someone from Denver that I know and trust?
Speaker 4: Why would he call someone from Nevada or from Florida
Speaker 4: or any of those?
Speaker 5: Why?
Speaker 3: You know? Why? Tom? Because I tried to stop him,
Speaker 3: I got.
Speaker 5: Killing Okay, So I'm as can you stop him? Now? Hello?
Speaker 3: Okay? May I ask you, Tom? Do you have a
Speaker 3: company that you would recommend?
Speaker 5: Yes?
Speaker 4: I do, Okay, I have I have a I have
Speaker 4: you know what here's the problem.
Speaker 5: Yes, I do, I do.
Speaker 4: And and just just hang on and I'll come back
Speaker 4: to you. Please people, there are not many honest movers,
Speaker 4: and there aren't There are ways to find them, but
Speaker 4: you don't go online.
Speaker 5: And if you do, you.
Speaker 4: Got to know how to evaluate them. You're not going
Speaker 4: to get him out of Nevada. You're not going to
Speaker 4: get him out of Florida. You're not going to get
Speaker 4: him out of California.
Speaker 5: You're just not.
Speaker 4: Okay, hang on, I'm Tom Martinez. We have more coming up.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot You don't pay a cent until you're content. Time
Speaker 4: for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: to seven to one help. You'll think you're his only
Speaker 4: customer when you choose Frank durand the real estate Man
Speaker 4: dot com to list your home with Remax Alliance three
Speaker 4: all three nine two zero sixteen twenty two. I'm Martino,
Speaker 4: your troubleshooter three all three seven one three talks seven
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Speaker 4: and if you need a new system, get the high
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Speaker 5: Eight eight eight Heating dot Com. Okay, now I want
Speaker 5: to take uh.
Speaker 4: Uh this, Betty so Betty Johnson Moving in storage.
Speaker 3: Okay, Johnson j O h N ss N.
Speaker 4: Yeah, for for Interstate Moving, Johnson Moving in Storage.
Speaker 3: D're instantennial forage, no kidding, Oh my gosh.
Speaker 4: Okay, now listen, I'm gonna tell you something. Here's something
Speaker 4: not gonna like. They're not gonna like the price they get.
Speaker 4: Maybe I don't know. I'm not saying they're exorbitant. They're honest,
Speaker 4: but it's an honest price, and they're not gonna because
Speaker 4: the internet movers always lowball you, always lowball you, and
Speaker 4: then always sock you three times. Okay, So he lost
Speaker 4: three grand already, he's never gonna get it back, and
Speaker 4: if he went forward, he would have lost more and
Speaker 4: his stuff would have been so jacked up. I'm so
Speaker 4: happy that we're stopping this in its tracks.
Speaker 3: Okay, Tom, tell me something about out computers. All right,
Speaker 3: I'll tell you what the plot is.
Speaker 8: Evening here, the other brother that's more well to do,
Speaker 8: he put nine hundred down for this Nevada mover.
Speaker 3: The deal is that they told him four thousand total.
Speaker 3: So the other hand, how did they.
Speaker 4: Tell him without seeing it? How did they tell him
Speaker 4: without seeing it?
Speaker 3: You know, Tom, I told him to wait. I told
Speaker 3: him I'm calling.
Speaker 4: Well, you know what, he probably lost the nine hundred bucks.
Speaker 4: How did he do it? Did he give us bank
Speaker 4: information out?
Speaker 3: I would say, put it on a credit card?
Speaker 5: I well, then he ought to dispute.
Speaker 3: It routing number?
Speaker 5: Okay, I mean, honest to God, I mean these guys
Speaker 5: are they educated people?
Speaker 3: My more well to do brother is the others just
Speaker 3: don't the other two are they're you know, they're the
Speaker 3: people that make it.
Speaker 2: Well.
Speaker 4: Then the well to do brother just got an education
Speaker 4: for nine hundred bucks, I doubt. Listen, try to dispute it.
Speaker 4: If he put it on a credit card again, if
Speaker 4: he put it on his bank account, he can look
Speaker 4: forward to his bank account being cleaned out in the future.
Speaker 5: So it's really up to him. Okay, Betty, I hate
Speaker 5: saying this stuff.
Speaker 3: I'm telling you, and no, no, Tom, I need to
Speaker 3: hear it because I'm I have to tell them. So
Speaker 3: with the Florida to contract thought I wasn't online with him.
Speaker 3: Does he have to cancel that? Does he have to
Speaker 3: send a statement? Does he have to?
Speaker 5: Well I would, but it doesn't matter there.
Speaker 4: So that got First of all, the guy is in
Speaker 4: his underwear in a basement somewhere on his computer and
Speaker 4: he's not even a mover or he's and I know
Speaker 4: when people hate when I say this, he's an Israeli
Speaker 4: national because ninety nine percent of them are. And they
Speaker 4: start moving companies in Florida. I don't know why, but
Speaker 4: they do. And that's just a fact of life. And
Speaker 4: then they rip people off. Okay, so that's what's going on.
Speaker 4: So what they have to do is they have to
Speaker 4: he should cancel it, but the more it'll cancel automatically
Speaker 4: when he doesn't pay.
Speaker 3: Okay, yeah, just so because they're but.
Speaker 5: He has to change his banking all right.
Speaker 3: Same for the brother, the other brother that just put it.
Speaker 3: If you put it on his credit.
Speaker 5: Card, no not.
Speaker 4: If you put it on a credit card, you have
Speaker 4: to cancel the credit card though, and you can't just
Speaker 4: change the number. People ask me, what do you mean
Speaker 4: by that. Let me explain this to you. If you
Speaker 4: cancel a bank account and open another bank account in
Speaker 4: the same bank and something comes in on the old
Speaker 4: bank account, the bank doesn't look to see if it's legitimate.
Speaker 4: They simply transfer it to the new bank account.
Speaker 5: And why would they.
Speaker 4: Do that, Because when you open up accounts at that bank,
Speaker 4: you sign what's called a cross collateralization agreement. It should
Speaker 4: really be called a cross pollination agreement. So what that
Speaker 4: means is this, Anything on that old account can be
Speaker 4: transferred to your new account. Tottle it any ach that
Speaker 4: comes in. Now, I want to tell you something about banks.
Speaker 4: My god, people don't know this. When it comes to banks,
Speaker 4: they never check the authenticity of an ac h.
Speaker 5: That's just a fact of life.
Speaker 4: Anyone with your anyone with your account number and your
Speaker 4: routing number can rob your bank. They don't need a gun,
Speaker 4: they don't need a knife. And if a banker tells
Speaker 4: you that's not possible, they are lying to you. Now
Speaker 4: you may say, well it wasn't legit. I'll get my
Speaker 4: money back. No you won't, Okay. Sometimes a bank might
Speaker 4: do it. Sometimes but most of the time, if an
Speaker 4: ach comes in, they honor it. They do not check
Speaker 4: with you, they do not tell tell you, They just
Speaker 4: send the money. Now that's the sad banking secret. No
Speaker 4: one wants you to know.
Speaker 5: That's it. Now, let's talk about credit cards.
Speaker 4: You think, oh, I'll just cancel the credit card and
Speaker 4: get another one, like with Capital One or anyone. When
Speaker 4: you do that, it's the same account, just a different card,
Speaker 4: same thing. If a charge comes into that card and
Speaker 4: that card is closed, they put it on the new card.
Speaker 4: So you might think, wait a minute, whenever I lose
Speaker 4: a card, they tell me to do that.
Speaker 5: And it's for nothing. It's for nothing because.
Speaker 4: All that person has to do when they send the
Speaker 4: charge in is say it's a recurring transaction and it's honored.
Speaker 5: By the new card. So what do you do.
Speaker 4: You have to change credit card issuers and start.
Speaker 5: A whole new account again.
Speaker 4: If they don't tell you that at the credit card company,
Speaker 4: they're lying to you. You see, this show is about truth.
Speaker 4: There you go, that's the said. So your brothers, your
Speaker 4: brothers keep just digging their hole because they think they
Speaker 4: know what they're doing.
Speaker 5: I got to move on. Thank you.
Speaker 4: Betty three oh three seven one three talk seven one
Speaker 4: three eight two five five Did she ever send us
Speaker 4: that hoa letter about the increase or excuse me about
Speaker 4: the changing electrical panels? I want to help her, Not yet, Okay,
Speaker 4: Sandy has a question on the landlord.
Speaker 5: Sandy. I'm Tom Martinez. What's going on? Sandy?
Speaker 22: Hey, good morning, Tom.
Speaker 15: Listen to you for a long long time.
Speaker 5: Thank you, Sam.
Speaker 3: We have I taken a lot of your advice.
Speaker 22: We have a rental house and it is vacant at
Speaker 22: the moment, and they just moved out. I'm just wondering
Speaker 22: if the new laws are so restrictive. And we're not
Speaker 22: in Denver County, we're in Jefferson. But there's so many new.
Speaker 4: Laws, that's right, new eviction laws, which means, by the way,
Speaker 4: let me just explain.
Speaker 5: This to you. In general, you're a landlord.
Speaker 4: When you rent out a place, even if it's month
Speaker 4: to month or a yearly lease, you are bound to
Speaker 4: keep them unless you have a just cause to get
Speaker 4: rid of them. Okay, you're bound you have to keep them.
Speaker 4: So what are just causes? There are fewer than you think. Okay,
Speaker 4: I don't want to give you legal advice as a
Speaker 4: landlord right now. But you can call O'Brien Legal Services
Speaker 4: LS law. He'd be happy to help you as a
Speaker 4: landlord to make up the lease the proper way and
Speaker 4: to make sure you don't get stuck. There are just causes,
Speaker 4: but they must be just causes according to the law.
Speaker 4: So in essence, all leases are perpetual leases. Yeah, you
Speaker 4: see that, and you can thank Jared Newsom for that.
Speaker 5: Jared Newsom polus.
Speaker 4: We should really, what we really should do is just
Speaker 4: call ourselves California West. It would just be easier and
Speaker 4: then just adopt all their laws because that's what he wants.
Speaker 5: I swear to God, he doesn't have a thought that's original.
Speaker 5: Let's see what should I do next. Let's see. I'll
Speaker 5: go and ask Gavin. But that's what's going on.
Speaker 4: And by the way, if you looked at the map
Speaker 4: of the country, Colorado's still that little blue island in
Speaker 4: California with him. I mean, they love it and it'll
Speaker 4: be to their detriment this state.
Speaker 5: You know what, God Almighty, what a great state at
Speaker 5: once was what a great city the new mayor's and
Speaker 5: by the way, they didn't they just increase the taxes
Speaker 5: for for aid.
Speaker 4: They did, they did ye, our taxes will go up
Speaker 4: even more now. I didn't mean to rag on you, Sandy,
Speaker 4: but call ols Law O'Brien Legal Services. Let me give
Speaker 4: you that number. I'm serious about it. He's a good guy.
Speaker 4: And by the way, he's not political at all, by
Speaker 4: the way I was saying all this stuff. He's just
Speaker 4: an attorney. He's a great guy. He knows real estate.
Speaker 4: Seven to zero three seven zero, seventy three eighty eight.
Speaker 4: That's O'Brien Legal Services. We got more coming right up.
Speaker 4: Go with a sure thing Denver's best roofer Excel Roofing
Speaker 4: dot com. You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three all three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three all
Speaker 4: three nine two zero sixteen twenty two. Hi Tom Martino,
Speaker 4: your troubleshooter three all three seven one three talks seven, one, three.
Speaker 5: Eight two five five. By the way, thanks for joining us.
Speaker 4: And by the if you ever get a chance, go
Speaker 4: to YouTube on the YouTube channel and join us, and
Speaker 4: I think you'll love it on and off the air,
Speaker 4: and sometimes it's livelier than others. But we always have
Speaker 4: our morons talking to each other on there. That's what
Speaker 4: I affectionately call them, our YouTube morons.
Speaker 5: And uh that mean that's a compliment.
Speaker 4: By the thay Lou wants to talk about an autobody
Speaker 4: shop or he is a question?
Speaker 5: Go ahead, Lou, what's happened in Lou?
Speaker 3: Hey?
Speaker 17: Tom, I got a simple question. I live in the
Speaker 17: in the front range, but my son is temporarily living
Speaker 17: in Denver with his brother and he was in a
Speaker 17: motor vehicle accident and everything is fine. But his car
Speaker 17: is on the side of the road in the street
Speaker 17: right now.
Speaker 5: Now is this your son? Your son in law? You say, no.
Speaker 17: My son and he's the vehicle together.
Speaker 4: So okay, sure, okay, So son's car where is it
Speaker 4: right now?
Speaker 17: It's on in front of his brother's house in Denver
Speaker 17: on the street.
Speaker 4: Okay, it's not going to stay there long, you know,
Speaker 4: you understand that it is either going to be robbed
Speaker 4: or stripped, or it's going to be taken away by
Speaker 4: the city.
Speaker 5: What city is it?
Speaker 17: What it would be Denver, Okay?
Speaker 5: And is he in the snow area where they plow.
Speaker 17: I guess he would be, yes.
Speaker 4: I mean do they plow that street. A lot of
Speaker 4: streets they don't plow.
Speaker 17: I believe that I leave they plow that street.
Speaker 5: And well, really, how bad is the car? Is it
Speaker 5: drivable at all?
Speaker 17: No, it's probably it might end up being totaled. Actually,
Speaker 17: it's a twenty twelve Ford Mustang. And we had an
Speaker 17: adjuster out to look at it from the insurance company.
Speaker 17: We haven't quite heard back from them yet, because I
Speaker 17: thought before we got it towed away to a repair shop,
Speaker 17: we should maybe just have an adjuster check it, because
Speaker 17: if they're going to total it, you know, why even
Speaker 17: bring it to a repair.
Speaker 4: Shop, because that's where they want to see it, and
Speaker 4: they'll pay for that. Most assurance policies will pay for
Speaker 4: towing it to a body shop.
Speaker 3: Marl.
Speaker 17: And I'm not too worried about that. We can get
Speaker 17: it towed to the body to the body shop, but
Speaker 17: I was checking. You know, you're referral list and I
Speaker 17: don't see any body shops. I don't know if you
Speaker 17: guys have anything.
Speaker 5: Well there. Well, here's the problem.
Speaker 4: We've really been deficient on some categories because it's hard to.
Speaker 5: Find good people.
Speaker 4: It's not just we can't make a recommendation, but as
Speaker 4: far as officially on the referral list, we may not
Speaker 4: have anybody. But I want to know this, what where
Speaker 4: are you?
Speaker 5: What area?
Speaker 23: Well?
Speaker 17: He is on East twenty fifth Street and Downing in Denver,
Speaker 17: Okay five point five points.
Speaker 4: Okay, So if he needs a good there there's a
Speaker 4: good body shop in Aurora. I thought it was Aurora
Speaker 4: or Autobody, but they've been They used to be with us.
Speaker 5: They're good people. Let me make sure they're there, you know.
Speaker 4: Again, I apologize that we won't just put someone on
Speaker 4: the referral list to fill.
Speaker 5: A vacancy.
Speaker 4: No, it's Colorado Autobody. Yeah, Colorado Auto Body. They're not
Speaker 4: bad people. We used to have them, you know. And
Speaker 4: I'll tell you what though, there are some people over
Speaker 4: the years, I can tell you where we don't get complaints.
Speaker 4: That's one of them. Another one is I don't Perry
Speaker 4: and Terry. I don't know they're still around again. See
Speaker 4: so many companies come and go. I've been here for
Speaker 4: so long. Perry and Terry used to be a wonderful
Speaker 4: auto body shop. And again they're still there. They have
Speaker 4: five star ratings and and Terry Terry and Terry, uh huh.
Speaker 4: And then we're not talking cheap now, we're talking good
Speaker 4: auto body shops.
Speaker 17: Right yeah. Now, I mean if we can get it fixed,
Speaker 17: we're going to get it fixed the right way.
Speaker 5: Well.
Speaker 4: Yeah, if you're going to value the car, they can
Speaker 4: do that too, or not value, but value to give
Speaker 4: you an accurate price so you can get it totaled
Speaker 4: if you need to. And again you're gonna have to
Speaker 4: deal with your insurance company on the total value of
Speaker 4: the car.
Speaker 5: But if you ever have.
Speaker 4: And most insurance companies they're going to try to low
Speaker 4: ball you on the value. Okay, they're just going to
Speaker 4: try to do that. Whose fault was this accident?
Speaker 17: It was probably his, yes, okay, So.
Speaker 5: On the value of the car.
Speaker 4: If you need ever need help establishing the value and
Speaker 4: you think your insurance is being unfair to you, you
Speaker 4: need to call. You need to go on a refer
Speaker 4: list refer list dot com, and you need to go
Speaker 4: to Petty Details p E T T Y petty details.
Speaker 5: Okay, and they can.
Speaker 4: Give you a pretty good price petty details. Yeah, so
Speaker 4: start there. And again, let's see, I was going to
Speaker 4: tell you about some other I believe caliber. Caliber is
Speaker 4: a caliber collision that they're not bad. And I'm only
Speaker 4: going by I'm only going by complaint history.
Speaker 5: We haven't gotten complaints about Caliber either A right, so
Speaker 5: Caliber Perry and Terry Colorado Autobody.
Speaker 4: There's there's some really good body shops.
Speaker 17: Okay, okay, okay, I wouldn't go.
Speaker 5: I wouldn't go to like fast food ones.
Speaker 17: But yeah, I know what you mean.
Speaker 12: And you can tell it.
Speaker 17: Sounds like rather than waiting to hear from this adjuster
Speaker 17: that we should just get the car towed away, then well,
Speaker 17: of course.
Speaker 5: You should or you're gonna lose it. I mean either one.
Speaker 4: I mean, and adjusters don't like coming to houses to
Speaker 4: do that, especially in bad weather.
Speaker 5: But you know it's up to you.
Speaker 17: They did, they did. They came three days ago.
Speaker 5: Oh so they already they oh they already then valued it.
Speaker 17: Well they didn't they they came on Monday.
Speaker 4: But they will value it, is what I mean. They've
Speaker 4: already examined it.
Speaker 17: Yeah, well technically, but we haven't heard anything back, and
Speaker 17: I'm waiting for days here.
Speaker 5: You know.
Speaker 4: Yeah, you will on the street, you will, you'll hear
Speaker 4: from them. I mean, if they came out, they're going
Speaker 4: to do something. Three all three seven one three talk
Speaker 4: three all three seven one three eight two five five.
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Speaker 4: three oh three seven to seven to one help. You'll
Speaker 4: think you're his only customer when you choose Frank durand
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Speaker 4: with Remax Alliance three oh three nine two zero sixteen
Speaker 4: twenty two. Hi Tom Martino, three oh three seven one
Speaker 4: three talk seven one three eight two five five. Rich,
Speaker 4: We've had steady calls. Keep calling and you can always
Speaker 4: call three zho three Martino at any time and we'll
Speaker 4: line you up for a show.
Speaker 5: Rich, what's going on?
Speaker 3: Sure?
Speaker 7: I was actually just calling about a problem I'm having
Speaker 7: with Excel Energy and claim.
Speaker 11: This I had put in.
Speaker 5: Okay, so what's going on with Excel?
Speaker 14: We had and I'm not sure exactly what happened, but
Speaker 14: some type of a short in our backyard. So it
Speaker 14: didn't happen at my box, but at their supply coming in.
Speaker 5: Now, how do you know? How do you know you
Speaker 5: had a short?
Speaker 17: Well, I don't know if it's a short.
Speaker 14: All I know is the technician that came out. So
Speaker 14: it started off fire our box in the backyard, and
Speaker 14: then it electrified my box. I tried to go and.
Speaker 5: Oh my goodness, wait a minute. So you just happen
Speaker 5: to look out one day and see a fire in
Speaker 5: your junction box our neighbor.
Speaker 14: Actually it was during the holiday the last holiday came.
Speaker 5: And the neighbor noticed it while we're in the house. Correct,
Speaker 5: And where what box are you talking about?
Speaker 4: Are you talking about the transformer that goes to your
Speaker 4: house or something else that affects more than just your house?
Speaker 16: So I know that to shut it off they have
Speaker 16: to show off several houses.
Speaker 4: So the fire the box was in a junction box.
Speaker 4: It wasn't just your house.
Speaker 17: Correct.
Speaker 23: I think it just affected my home only though, until
Speaker 23: they shut off the supply.
Speaker 5: Okay, So what happened.
Speaker 16: Then, well, electrified my box.
Speaker 14: I did try to go out and shut shut it off.
Speaker 5: Now what do you mean shut off?
Speaker 17: What?
Speaker 4: Shut off your break rain? Yeah, okay, my main Okay, what.
Speaker 14: Happened shocked me. It shocked me, so you know, of course, So.
Speaker 4: It shocked you when you tried to touch the off switch.
Speaker 14: No, just to even open my box, That's.
Speaker 5: What I mean.
Speaker 4: Oh oh, oh, just to even open it. The whole
Speaker 4: thing was electrified.
Speaker 3: Correct, Yes. And then and in the house, my.
Speaker 20: Wife was baking, the oven blew out. A lot of
Speaker 20: different things did happen. I mean, it's a multitude a
Speaker 20: list of things that actually went out.
Speaker 5: And now are they denying it's their problem.
Speaker 14: Yes, through the claim process. Yes, they are saying that
Speaker 14: they recognize that it happened, but due to some state
Speaker 14: statute that they're not liable.
Speaker 4: Did they quote the statute?
Speaker 14: They did, and I don't have any of that stuff
Speaker 14: in front me.
Speaker 17: I do apologize.
Speaker 14: My wife's been working really hard.
Speaker 5: How much did all of this come to?
Speaker 16: Roughly around six or seven thousand dollars?
Speaker 5: Oh my goodness. Now you do have homeowners insurance that
Speaker 5: will cover it.
Speaker 24: We do, and that's I think that's one of the
Speaker 24: main reasons I wanted to call you, is just to
Speaker 24: get advice.
Speaker 16: Uh, but I'd hate to make a claim knowing that.
Speaker 14: It counts against me.
Speaker 4: All right, why don't you hold on and we'll get
Speaker 4: our insurance expert. Hang on, Okay, go with a sure
Speaker 4: thing Denver's Best roofer Excel roofing dot com. You don't
Speaker 4: pay a cent until you're content. Time for an insurance checkup, free,
Speaker 4: no obligation. In comparison, call Compass insurance paying too much
Speaker 4: your coverage at dozens of insurance companies find out now
Speaker 4: three all three seven, seven to one help. You'll think
Speaker 4: you're his only customer when you choose Frank durand the
Speaker 4: real estate man dot com to list your home with
Speaker 4: Remax Alliance three all three nine two zero exteen twenty two.
Speaker 1: Ripped off new You need advice, so you don't have.
Speaker 2: Come running.
Speaker 18: Just as fast as we can.
Speaker 1: Shooter's gonna help coming.
Speaker 18: This is the Troubleshooter Show. No Tom Martine, Hi.
Speaker 5: Tom Martina here, Welcome to the show. Three oh three.
Speaker 4: He's seven one three eight two five five. We're here
Speaker 4: to help you solve problems, to answer questions, to shake complaints,
Speaker 4: to make your life a little easier. And Dan McKenzie
Speaker 4: is an estate planning attorney that I hope you avail
Speaker 4: yourself of.
Speaker 5: He's a great guy.
Speaker 4: He's a little he's a small enough firm to give
Speaker 4: you personal attention, big enough to get everything done you need.
Speaker 4: He's very creative with his estate planning, and he can
Speaker 4: do offshore trust as well regular trusts, irrevocable trust.
Speaker 5: Really you want to talked to him?
Speaker 4: Eight three three co Plans eight three three co O
Speaker 4: P L A N S.
Speaker 5: That's uh Dan McKenzie. Uh.
Speaker 4: You can also reach him at Coeplans dot COO mackenzie law. Okay, Uh.
Speaker 4: Back to the phones and let's talk to Hugh. Hey, Hugh,
Speaker 4: what's happening with you?
Speaker 3: Oh?
Speaker 5: I know you've never heard that before?
Speaker 18: Have you?
Speaker 25: Shre not once?
Speaker 5: Yeah? So what's going on?
Speaker 14: Man?
Speaker 25: I got a question for you. So we live in
Speaker 25: a house at has It's called a groundwater well. It's
Speaker 25: only like a forty foot deep well. We have super
Speaker 25: hard water. And so I've tried everything, you know, I
Speaker 25: finally decided I'm gonna need to break down and put
Speaker 25: in our system. But I'm on a septic well and
Speaker 25: I'm really worried about on it at Brian down the
Speaker 25: septic and up to the leach field. And I know
Speaker 25: you had the water pro guy on. I was just
Speaker 25: curious what your guys' opinions were on that.
Speaker 5: Let me get him on and ask him. Let me
Speaker 5: ask him. I don't think you have a big problem
Speaker 5: with it. I will tell you this.
Speaker 4: You will not find a better system anywhere for the price,
Speaker 4: and do not.
Speaker 5: Why are we getting that? Now? I'm getting an echo?
Speaker 5: Is that his headset? That could be Hugh? Put you
Speaker 5: on hold for a second.
Speaker 4: Now, see it went away, Yes, Hughes, somehow your phone
Speaker 4: was echoing back.
Speaker 5: But here's what it is.
Speaker 4: Let me just explain this to you, Hugh, the water softener,
Speaker 4: do not fall for Halo. Okay, because they're gonna tell
Speaker 4: all Halo is a bunch of magnets and they're going
Speaker 4: to tell you that it aligns the water, will soften
Speaker 4: the water, will help the water. Please don't do that.
Speaker 4: It's very expensive. There will be no brine. You're right,
Speaker 4: there will be no rinsing because they don't do anything
Speaker 4: now scientifically, they just don't change the chemistry of the water.
Speaker 4: Now what they tell you is they change the molectugular alignment. Please,
Speaker 4: we have done time and time again have gone out
Speaker 4: for damage that hard water did after Halo. That's my
Speaker 4: opinion based on what I've seen. So let's get Paul
Speaker 4: the waterman on to answer this question, because I believe
Speaker 4: it's a good question.
Speaker 5: Now I have a.
Speaker 4: Question for Henry. Henry is with Excel roofing, and I
Speaker 4: have a text. They want to know about composite roofing.
Speaker 4: They say, I hear you can get composite roofing that
Speaker 4: looks like tile, that looks like slate, that even looks
Speaker 4: like asphalt. I mean, what is it all the same material?
Speaker 4: When they say composite what do they mean? And that
Speaker 4: is a good question, actually, go ahead.
Speaker 13: Yeah, absolutely, So composite is going to be referencing those
Speaker 13: kind of synthetic plastic kindrich They're.
Speaker 5: Not all the same. You have different composites.
Speaker 13: Right, yeah, absolutely, and some of them they'll be like,
Speaker 13: I mean F Wave would fit that category. That's a
Speaker 13: really hail resistant roof. They try to say it's hail and.
Speaker 5: What does it look like when it's on f wave.
Speaker 12: It looks a lot like a shingle.
Speaker 5: Yeah, like a normal asphalt roof.
Speaker 13: Like I said, there's different types of composite right now,
Speaker 13: I get it. You can do like a plastic DaVinci
Speaker 13: that's gonna look like a slate roof. You can do
Speaker 13: different types of Dvinci that look like a you know,
Speaker 13: rounded tile roof, and so there's there's a lot of
Speaker 13: different options. It's really good when you want to upgrade
Speaker 13: from asphalt to something like a tile roof, but you
Speaker 13: don't have a structural engineer, so you can't bear that weight, right.
Speaker 4: Well yeah, yeah, I think it's silly to do real
Speaker 4: stuff now when you have composites, well, you know.
Speaker 13: It's arguable between tile and like a composite tile or
Speaker 13: something like that. When you're talking slate, natural slate is
Speaker 13: very expensive, right, and so going towards a composite or
Speaker 13: a synthetic slate is a way better option.
Speaker 5: Plus, slate's more breakable.
Speaker 12: Yeah, it's brittle.
Speaker 13: It could sustain some hail damage compared to like a
Speaker 13: divinch slate.
Speaker 4: Okay, so what are you saying if you want a slate, look,
Speaker 4: you go with a composite.
Speaker 12: Absolutely, we really like composits.
Speaker 4: And what is the most right now on the market,
Speaker 4: the most hail resistant roof, The most hail resistant roof
Speaker 4: is going to be euro Shield.
Speaker 13: You know there it's a rubber based roof, right, and
Speaker 13: so it's going to be very very hail resistant. It's
Speaker 13: somewhat new to the market. We've installed a couple of them.
Speaker 13: They have some issues here and there. You know, f
Speaker 13: Wave came up before and that sometimes buckles, right if
Speaker 13: it's not installed according to their specs, or it can
Speaker 13: have defects that you.
Speaker 12: Like euro Shield, Yeah, your Euroshield is great.
Speaker 13: Like I said, though, these these products they come to
Speaker 13: market and then a little while down the road sometimes
Speaker 13: we find issues with them.
Speaker 4: Okay, let's go to Paul the Waterman, Paul, Paul doubting.
Speaker 4: He's with waterpros dot Net. I always sing their praises.
Speaker 4: Now he was on a well, he's got extremely hard
Speaker 4: water and he wants to put on a water softening
Speaker 4: for the whole house. But Paul, he's concerned about the
Speaker 4: brine rints that they do of the filter media. And
Speaker 4: and of course that's what they use it for. People
Speaker 4: mistakingly think they put salt in the drinking water.
Speaker 5: They do not.
Speaker 4: The salt is used to rinse out the media that
Speaker 4: the filters.
Speaker 5: So would that do damage?
Speaker 4: He's on a septic as well, so he's on septic
Speaker 4: and well, so what effect do your softeners have for
Speaker 4: his septic?
Speaker 26: So Wafts, it's an ion exchange, it's a chemical exchange process.
Speaker 26: So you're never putting raw sodium chloride in a septic system.
Speaker 4: No, no, but when you but hold on, but when
Speaker 4: you rinse the media, where does that water go?
Speaker 2: Well, that's that's what I'm trying to explain to you.
Speaker 26: Okay, Pard, This is calcium carbonate and then sodium chloride
Speaker 26: is the detergent. So the exchange process means that calcium
Speaker 26: and the chloride go down the drain. That's not a salt.
Speaker 26: The byproduct which comes out of the tap water is
Speaker 26: sodium carbonate, which is baking soda. That's not an aggressive salt. However, Tom,
Speaker 26: if he's on well water, he's really gonna want to
Speaker 26: think about doing a dual tank softener because.
Speaker 2: Remember this single tank water.
Speaker 26: Softeners have no choice but to use the same dirty
Speaker 26: water and backwashing.
Speaker 2: So in the city water you can set them up
Speaker 2: really efficient. But if you've got really extreme water, hard
Speaker 2: water and well water.
Speaker 26: He's going to want a dual tank system because then
Speaker 26: a dual tank system alternates tank so he always has
Speaker 26: clean water, but it takes clean water from one tank to.
Speaker 2: Backflush the other tank, so he uses less water and
Speaker 2: less salt that.
Speaker 26: Way, and then he's as sure to always have one
Speaker 26: hundred percent soft water. Remember the folks up in Golden
Speaker 26: that had that heating system that they tried the halo
Speaker 26: and it didn't work.
Speaker 5: We had a set no, in fact hold on. It
Speaker 5: ruined their.
Speaker 26: Boiler, that's right, that ruined it exactly. So a dual
Speaker 26: tank system, a dual tank softener is the secret when
Speaker 26: you have extreme hard water, because what will happen is
Speaker 26: that if you've got a single tank system and the
Speaker 26: water is extremely hard. Eventually that single tank softener gets
Speaker 26: overrun and you'll get.
Speaker 2: Hard water bleed.
Speaker 4: Through no matter what you do, because you're using hard
Speaker 4: water to rinse the media.
Speaker 2: Correct, that's it, That's absolutely correct. See city water.
Speaker 26: You can get away with it because the water hardness
Speaker 26: is not bad, right, it's you know, up to twenty grains,
Speaker 26: we can still operate efficiently. But if you're above twenty grains,
Speaker 26: you're getting close to thirty to fifty grains per gallon.
Speaker 26: No way a single tank system is.
Speaker 2: Going to work.
Speaker 5: And do you know how many grains you have are
Speaker 5: you of hardness? Q?
Speaker 3: Is on?
Speaker 25: That's that? Yeah?
Speaker 5: How many grains of hardness is your water? Do you know?
Speaker 25: I think it's around ninety?
Speaker 2: Yes, A dual tanks off HU, A single tank won't work.
Speaker 2: You're gonna we're gonna over there's not enough soldiers in
Speaker 2: the fight. Now, keep in mind you you don't want
Speaker 2: to do a super size system like a sixty thousand
Speaker 2: grain because you're not gonna have enough water flow from
Speaker 2: a well water.
Speaker 26: System to flush that unit properly.
Speaker 3: Okay, full rate?
Speaker 2: Yeah, so you know you want a dual tank. You
Speaker 2: know a dual tank thirty two thousand grain per unit
Speaker 2: that'll work.
Speaker 12: Well that you need.
Speaker 2: You need a dual tank, so.
Speaker 26: You can, you know, alternate accordingly, and then what will
Speaker 26: happen is you're gonna want to how old is the wealth?
Speaker 25: Oh, gosh, twenty years, all.
Speaker 2: Right, so you'll be all right if it's brand new.
Speaker 2: Brand new wells can take up to a year to settle.
Speaker 2: But if you're just dealing with ninety grain, if you're
Speaker 2: dealing with ninety grain the hardness, that you're definitely gonna
Speaker 2: want a dual tank system to even give a shot.
Speaker 5: All right.
Speaker 4: I want to clarify something though, and you can put
Speaker 4: you back on hold because he has that feedback issue.
Speaker 4: I want to clarify something. The stuff come out of
Speaker 4: the wash when you rinse the filters and you use
Speaker 4: that combination of sodium chloride and whatever does it.
Speaker 5: What goes down the.
Speaker 26: Drain I'm gonna go drain is sodium bicarbonate.
Speaker 4: It's baking soda, okay, because the two of those because
Speaker 4: the two of those elements make baking soda.
Speaker 2: Right, So it's an ion exchange.
Speaker 26: So remember if you write calcium carbonate on one side,
Speaker 26: and then you write sodium chloride on the other right,
Speaker 26: The calcium chloride go down the drain, the sodium carbonate comes.
Speaker 2: Out of the faucet. That's the ion exchange.
Speaker 26: But you's got a bigger problem. Tom his TVs. His
Speaker 26: water's not safe to drink if you're at.
Speaker 5: Ninety No, No, I get it. I get it. So, Paul,
Speaker 5: I'm sorry for being so ignorant.
Speaker 4: So going down the drain is a salty water, is
Speaker 4: that right?
Speaker 2: Going going Okay? Sodium carbonate is baking soda.
Speaker 26: Okay, so that's not salt going down. Going down the drain.
Speaker 2: Is calcium chloride.
Speaker 4: Okay, that's not a salt Okay, sorry, thank you, thank you, Paul,
Speaker 4: I appreciate that. So you're not really overloading your septic
Speaker 4: system with anything that will harm it.
Speaker 2: No, not at all.
Speaker 26: That's what That's exactly correct. It's really technical that people
Speaker 26: forget of the ion exchange process. This is where you
Speaker 26: know you're separating the molecule. Calcium is attached, right, and
Speaker 26: so you know the calcium chloride, right, Remember, calcium and
Speaker 26: the chloride go down the drain.
Speaker 5: That's not a.
Speaker 26: Salt system that's going to kill the bacteria. Or erode
Speaker 26: the concrete. If it's a concrete sept it won't happen.
Speaker 5: Okay, But with the water this hard.
Speaker 26: It's unsafe to drink because it's total dissolved solid levels
Speaker 26: close to fifteen hundred.
Speaker 2: That's three times the state liment. I get it, the states.
Speaker 4: Yeah, now, so so you would recommend though if he
Speaker 4: does a softener that for drinking water, he would want
Speaker 4: to use something else, right.
Speaker 2: He needs reverse osmosis, you bet.
Speaker 4: Yeah, So that combination would be a little more expensive
Speaker 4: than your special if you're dealing with dual tank right.
Speaker 26: Correct, correct, But here's the other thing too.
Speaker 5: Well.
Speaker 2: Remember the byproduct.
Speaker 26: Is sodium carbonate, which is baking soda at fifteen hundred TVs.
Speaker 2: Even with the water softener.
Speaker 26: He's going to get white powder by his faucets and
Speaker 26: fixtures because it's the baking.
Speaker 2: Soda is going to basically, you know, come out of
Speaker 2: solution when when you're dealing with one.
Speaker 5: I get it.
Speaker 4: So tell me this, what would if he combine drinking
Speaker 4: water with that system? What would that combination on a
Speaker 4: very hard well cost.
Speaker 2: About forty four hundred bucks?
Speaker 5: Well, that's not terrible, no.
Speaker 2: It's yeah, forty four hundred bucks is what he's looking at.
Speaker 5: Hey, Hugh, this this to me. That's may really.
Speaker 4: I mean the regular ones are thirty one ninety five
Speaker 4: with his special right now so that you ought to
Speaker 4: give him a call from It's three oh three eight
Speaker 4: six two five five five four three oh three eight
Speaker 4: six two five five five four and that's Waterpros dot net.
Speaker 4: Go with a sure thing Denver's Best roofer Excel Roofing
Speaker 4: dot com.
Speaker 5: You don't pay a cent until you're content.
Speaker 4: Time for an insurance check up, free no obligation comparison
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: seven to one help. You'll think you're his only customer
Speaker 4: when you choose Frank durand the real estate Man dot
Speaker 4: com to list your home with Remax Alliance three oh
Speaker 4: three nine two zero sixteen twenty two. I I'm Tom Martine.
Speaker 4: You're troubleshure. Hey listen, I've been telling you this, so
Speaker 4: I'm just going to repeat it. It's not a big deal,
Speaker 4: but it is something that you need to know about.
Speaker 4: In the registered investment industry, where you go to an
Speaker 4: RIA a registered investment advisor, you're probably.
Speaker 5: About ninety eight to ninety nine.
Speaker 4: Percent of the time involved in something called TAMP turnkey
Speaker 4: asset management programs. This is where advisors sign on to
Speaker 4: be advisors with a giant firm. And what they do
Speaker 4: is they take your money when you invest it and
Speaker 4: I'm not saying they're bad guys, and they shake your hand,
Speaker 4: and they do a questionnaire and they take your money
Speaker 4: and put it with Schwab and then this giant investment
Speaker 4: advisor does all of the investing in all of the babysitting,
Speaker 4: and these guys that you think are your advisors sit
Speaker 4: there and collect a commission that's honest to god the industry,
Speaker 4: and they all you just ask them, are you part
Speaker 4: of the TAMP program? The turnkey asset management program where
Speaker 4: you are letting a bigger advisor manage all my money. Now,
Speaker 4: if you don't mind that, that's okay. But don't make
Speaker 4: the illusion of thinking that this middleman is your advisor.
Speaker 4: You're most likely going to pay more fees because of it,
Speaker 4: and you're not going to get personalized attention.
Speaker 5: That's just a fact of life. Okay.
Speaker 4: Now, again, I don't want to put anybody down. What
Speaker 4: I am going to tell you is my company I
Speaker 4: started on purpose because of this six years ago for me,
Speaker 4: and I started it just for me.
Speaker 5: I hired advisors just for me and started.
Speaker 4: Gaining wealth because of it, and I decided I need
Speaker 4: to let other people know about it. So we of
Speaker 4: course retain legal counsel and did everything it took to
Speaker 4: become registered with the State Securities Commission, and that's what
Speaker 4: we did. So right now, all I'm saying is this,
Speaker 4: if you want someone to work side by side with
Speaker 4: you with every dollar they have invested along with you,
Speaker 4: then you're going to find very few of those people.
Speaker 4: And I'm one of them. That's just the way it is.
Speaker 4: Wave eight Wealthmanagement dot Com. The number eight, now that's
Speaker 4: a mouthful, So you can just go invest with Martino
Speaker 4: dot com.
Speaker 5: It goes to the same place.
Speaker 4: We have had tremendous results with people that are very
Speaker 4: happy with this level of service and babysitting and compliance
Speaker 4: and reporting all of it. That's why pledged to you
Speaker 4: personalized and I work with many professionals, but we don't
Speaker 4: outsource anything. In fact, we're working with Vesta Turnty Vestia.
Speaker 4: If you want to be part of that real estate thing.
Speaker 4: But you don't want to put in the minimum investment,
Speaker 4: we are going to do that.
Speaker 5: If you want to do annuities, we can do that, and.
Speaker 4: We're doing it with our partners, so we can handle
Speaker 4: it for you. And I want you to know, one
Speaker 4: hundred percent, I've been here forty five years, one hundred
Speaker 4: percent of my money, my investment money, is with this company.
Speaker 4: There are people who do it for themselves. You're never
Speaker 4: going to satisfy them. There are people like literally babiesit
Speaker 4: their investments each and every day.
Speaker 5: If you can do that and you have the knowledge
Speaker 5: and know how you can do that.
Speaker 4: There are people that invest in their own businesses and
Speaker 4: they keep their money tied up there.
Speaker 5: Of course you can't do that.
Speaker 4: Then you have those who depend on other professionals. We
Speaker 4: want to be that professional. It's that simple. I've earned
Speaker 4: your trust over forty five years, and I can tell
Speaker 4: you I am I am putting my money where my
Speaker 4: mouth is and the number is three all three seven
Speaker 4: seven to one help three all three seven seven one
Speaker 4: four three five seven.
Speaker 5: I feel strongly about this because I learned the hard
Speaker 5: way again.
Speaker 4: You know, even with success, I wanted to know why
Speaker 4: I'm in something, why I'm not in something? Can I
Speaker 4: do better? So you should get a free look no
Speaker 4: matter what. And I promise you if you're doing well,
Speaker 4: you're doing well, I have more.
Speaker 5: Power to you.
Speaker 4: It's like the uh the investment checkup, like Compass does
Speaker 4: the insurance checkup. And speaking of checkups, so that's ero
Speaker 4: three seven seven to one help seven seven one four
Speaker 4: three five seven or invest with Martino dot com.
Speaker 5: Only a fool wouldn't want to at least look at
Speaker 5: what they have right, at least just look at it
Speaker 5: now now.
Speaker 4: Also when it comes to roofing and inspections, somebody wants
Speaker 4: to know what if they don't know if they need
Speaker 4: a roof Henry with Excel Roofing dot com, what if
Speaker 4: they don't know, do you take Do you do free
Speaker 4: inspections on a roof if they suspect damage or repairs
Speaker 4: are needed.
Speaker 12: Yeah, we absolutely do free honest inspections.
Speaker 5: There's a lot that's important.
Speaker 12: It is so as that work, so our inspections.
Speaker 13: We don't want to push a consumer to make any
Speaker 13: decision that you know that is not in the of
Speaker 13: course interest of course not because if they file a
Speaker 13: claim and they don't have damage, it goes on their record.
Speaker 13: So we want to go out and make sure that
Speaker 13: we really give a truthful evaluation of whether or not
Speaker 13: they have hail damage or any kind of damage, and
Speaker 13: from then they can go file an insurance claim or
Speaker 13: make any necessary repairs.
Speaker 4: You said something important that Compass Insurance always says are
Speaker 4: insurance experts for casualty.
Speaker 5: And home and car and all that.
Speaker 4: If you call your insurance company, just call them and say,
Speaker 4: we had a hailstorm in our neighborhood. We don't want
Speaker 4: to file a claim, We just want to know if
Speaker 4: we have damage.
Speaker 5: And then you never do anything else.
Speaker 4: Ever, Let's say you don't call back to schedule the adjuster, you.
Speaker 5: Don't put in a claim. That phone call, I swear
Speaker 5: to God counts against you, doesn't it?
Speaker 12: Absolutely?
Speaker 13: And you know when people call Excel Roofing, sometimes we'll
Speaker 13: go out there and we won't find damage, and sometimes
Speaker 13: people will be a little upset that they can't get
Speaker 13: a new roof. But we're not going to push people
Speaker 13: towards raising their rates.
Speaker 4: Right because if they called an insurance adjuster, okay, so
Speaker 4: I say, and even if you didn't make an appointment
Speaker 4: with an insurance adjuster.
Speaker 5: The call counts against you.
Speaker 4: So now let's say the adjuster comes out and finds
Speaker 4: no damage, it.
Speaker 5: Counts against you absolutely.
Speaker 4: Now let's say they find damage under your deductible and
Speaker 4: you pay for one hundred percent of it, it counts
Speaker 4: against you. So in all three cases it's considered a claim.
Speaker 4: I swear it is the most unbelievable actuarial information.
Speaker 5: They use against you.
Speaker 4: It is crazy, but that's what they do. Yep, that's
Speaker 4: what they do anyway. So always call people who can
Speaker 4: come out and look at it first, but don't ever
Speaker 4: accept a contract or an estimate that doesn't outline one
Speaker 4: hundred percent of each detail, the materials, the labor, the
Speaker 4: incidentals go ahead.
Speaker 13: So the largest thing that really sets us apart if
Speaker 13: you get the call from customers is we.
Speaker 5: Didn't have enough damage or we didn't have a large
Speaker 5: enough project.
Speaker 13: For other companies, we want to come out and service
Speaker 13: each homeowner with their individual needs. Just because you have
Speaker 13: a minor detail that needs to be fixed, we will
Speaker 13: be attentive.
Speaker 5: Okay, even if it's small.
Speaker 12: Even if it's small.
Speaker 5: Now here's the other thing. So only get a.
Speaker 4: Roofer who first and foremost will look at the roof
Speaker 4: and inspect it without you signing anything. That's number one, okay,
Speaker 4: So then number two, the resulting report should be handed
Speaker 4: to you, no meeting with the adjuster, handed to you,
Speaker 4: and one hundred percent of all details should be disclosed.
Speaker 4: That is how much, what are the materials, what are
Speaker 4: the incidentals, and what is the label? Okay, So now
Speaker 4: you got nothing signed and a detailed specified contract.
Speaker 5: Number three, not one penny should you pay at that time?
Speaker 5: Not one penny? Not one penny?
Speaker 4: That is so important if they want it walk away.
Speaker 4: That's those are the three primary things I want now.
Speaker 4: After that, when they come and start the work or
Speaker 4: they deliver material, you may decide with the roof for
Speaker 4: this is up to you if you want to pay
Speaker 4: as you go, but I still recommend now, I recommend
Speaker 4: what Excel does. One hundred percent is paid at the
Speaker 4: end when you're done. So those are the ways to
Speaker 4: absolutely positively protect yourself in a roofing contract. One hundred
Speaker 4: percent positively protect yourself in a roofing contract. We have
Speaker 4: more coming up on the Troubleshooter show. Go with a
Speaker 4: sure Thing Denver's Best Roofer excel roofing dot com.
Speaker 5: You don't pay a cent until you're.
Speaker 4: Contenth time for an insurance checkup free, no obligation. In comparison,
Speaker 4: call Compass Insurance paying too much your coverage at dozens
Speaker 4: of insurance companies find out now three oh three seven
Speaker 4: to seven to one.
Speaker 5: Help.
Speaker 4: You'll think you're his only customer when you choose Frank
Speaker 4: durand the real estate Man dot com to list your
Speaker 4: home with Remax Alliance three oh three nine two zero
Speaker 4: sixteen twenty two. Hi Tom Martino, your troubleshooter three O
Speaker 4: three seven one three talk three oh three seven one.
Speaker 5: Three eight two five five.
Speaker 4: Still time for calls if you want to get right
Speaker 4: through and talk to us. Any follow ups from Deputy
Speaker 4: Doc or Deputy Bo any other follow up sers?
Speaker 21: All right now, dev Deputy Bow has left the building.
Speaker 4: Okay, so Deputy Doc, you're not working on anything.
Speaker 5: All right now?
Speaker 21: Some stuff.
Speaker 9: I'm trying to get a hold of an Ada attorney
Speaker 9: because remember we had that lady who's having problems with
Speaker 9: access to her apartment. And the research I did was
Speaker 9: that if it was built before in nineteen ninety one,
Speaker 9: some statutes may not apply. So I'm trying to get
Speaker 9: I'm trying to.
Speaker 4: Get oh you mean for she what was she want
Speaker 4: to get her place? Redone? For a wheelchair?
Speaker 21: Right right? And so.
Speaker 9: What I looked up was that prior tonight, if the
Speaker 9: building was built prior to nineteen ninety one, certain things
Speaker 9: don't have to be done. But I'm trying to find
Speaker 9: the attorney that I can talk to and see if
Speaker 9: there are exceptions or if there's anything we can do
Speaker 9: to force them to do it. But I'll let you
Speaker 9: know the outcome of that.
Speaker 5: All right, thank you. And at Dimitri, do you have,
Speaker 5: Deputy d do you have anything going on?
Speaker 27: Yeah, you know, a very disappointing case with cobblestone car walls.
Speaker 4: Which is not only not only disappointing, but I think
Speaker 4: they suck.
Speaker 27: Oh you took the words right out of my mouth.
Speaker 5: Talk about that, bro.
Speaker 27: Well you know you may recall that a few days
Speaker 27: ago a gentleman out of Lakewood named Gael calta Is
Speaker 27: because his car was damaged in May.
Speaker 4: I believe now it was damaged by this cobblestone car
Speaker 4: wash at Wadsworth and Jewel Go.
Speaker 27: Ahead, yeah, nineteen seventy five.
Speaker 4: He said it went on a conveyor and it was
Speaker 4: put into neutral and the belt pulled him too close
Speaker 4: to a brush.
Speaker 27: Well, you know, we don't know if it was the
Speaker 27: belt or the brush got too close, but we do
Speaker 27: know based on what he said, there was an impact
Speaker 27: against this car and it damaged one of his side
Speaker 27: view mirrors. Cust him about five hundred bucks to replace
Speaker 27: the mirror, and then to add insult to injury, they
Speaker 27: even though he told them to immediately cancel his membership,
Speaker 27: they kept charging him for three more months.
Speaker 5: Of but they told him to cancel, they kicked.
Speaker 27: He told them to cancel, and to add this insult
Speaker 27: to injury, they kept charging him for three more months
Speaker 27: until he finally had his bank stop payments on these charges.
Speaker 27: And despite my best efforts to reach them, uh, you know,
Speaker 27: I called a couple of times. I texted twice. I
Speaker 27: emailed is this a chain the Stone? Yeah, they're based
Speaker 27: out of Arizona and they have multiple locations here in
Speaker 27: the metro area. But here's the only response that they
Speaker 27: sent me. Dear Dmitri, at Cobblestone car Wash, we're dedicated
Speaker 27: to the maintaining the highest standards of customer satisfaction, quality
Speaker 27: and safety. We take all customer concerns seriously as well
Speaker 27: as we do our better to call. Oh it's total crap.
Speaker 27: I'm sorry about my language response. Yeah, and and we
Speaker 27: prioritize addressing any issues that may arise at our locations. However,
Speaker 27: they couldn't. They did not address these issues with me
Speaker 27: or with the consumer himself.
Speaker 5: They take it seriously.
Speaker 27: Oh yeah, they like you can see how they responded
Speaker 27: to him. So this is going to court. Gail is
Speaker 27: going to file.
Speaker 5: Did he find a registered agent?
Speaker 27: Yeah, he and I searched they were We did finally
Speaker 27: find when it wasn't easy, so cobbles. We did find
Speaker 27: a record of a company called Cobblestone Denver UPco LLC,
Speaker 27: and I assume OpCo means operating company. They have another
Speaker 27: one called prop co, which I assume means property company.
Speaker 27: But anyway, I did trace the address on that filing
Speaker 27: at the Secretary of State's office to Cobblestone's headquarters in Arizona.
Speaker 27: And this company, uh, Cobblestone Denver OpCo has a local
Speaker 27: registered agent. So assuming that's the same company, which it
Speaker 27: sure looks like it from where I am, Gail is
Speaker 27: going to file a smell School claims action and he's
Speaker 27: going to keep us apro of the activity this generates.
Speaker 27: I think it's going to be fascinating. Oh yeah, but
Speaker 27: I did. There's a little more research on the company.
Speaker 27: There's an enormous number of the same kind of complaints
Speaker 27: against them and.
Speaker 5: Its They take them very serious, very seriously. They don't
Speaker 5: do anything about them. They just take them serious.
Speaker 27: The surprising part was a two Denver news TV stations
Speaker 27: also did stories really what looks to me like carbon
Speaker 27: copy complaints. So I personally would not go to Cobblestone
Speaker 27: to get my car.
Speaker 21: And I know about two years ago, Tom.
Speaker 5: But Dobblestone, Wait when you were you mean with us,
Speaker 5: with you guys.
Speaker 27: How did that turn out? Did they get back to you?
Speaker 21: I got the same kind of stone wall, and the guy.
Speaker 5: Just I didn't know that. I didn't realize.
Speaker 9: That it was cobblestone and it wasn't enough damage. The
Speaker 9: guy didn't want to go through it, so just too
Speaker 9: care of it himself. But it was the same stone
Speaker 9: wall that you got, Dmitri.
Speaker 27: Yeah, you know, if if they were the last car
Speaker 27: wash on Earth, I would be driving the dirtiest car
Speaker 27: you've ever seen.
Speaker 5: Now that's you know what it really sucks.
Speaker 4: This is where, by the way, this is where reviews
Speaker 4: come in very handy.
Speaker 5: Uh go online and review them now. By the way.
Speaker 4: Also, if you ever do uh ever, do stop by
Speaker 4: tell them you know, I'm not going to use this place.
Speaker 5: Uh. This is the one I heard about on the
Speaker 5: Martino Show and I'm not I'm not going to use them.
Speaker 4: We have more coming up on The Troubleshooter Show. Three
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Speaker 5: Hi Tom Martino, here, how about this text? I think
Speaker 5: it's tongue in cheek. I'm driving a truck in the Ukraine.
Speaker 5: He's listening to me and wants to leave the war.
Speaker 4: Can you Apple pay me five hundred bucks so I
Speaker 4: can move to Aurora, Colorado. I'm fighting the war, so
Speaker 4: I need to duck out real soon. Where is Mark?
Speaker 4: He's a real humanitarian? Okay, gotcha?
Speaker 5: By the way, they're saying that because I supposedly got
Speaker 5: an email from a Ukrainian soldier who found a bundle
Speaker 5: of US cash and wants me to take it. So
Speaker 5: that's going on there, and she wants to meet me
Speaker 5: in London. Now that part's scary, the fact that London.
Speaker 5: What do you think would happen if I showed up there?
Speaker 5: Would I be mugged? Think about that? That could be dangerous. Huh.
Speaker 5: All right.
Speaker 4: I want to just rem find you that our guest
Speaker 4: today was Excel Roofing Jay Bretts. I know not Jaj
Speaker 4: is the the did dad. Henry's the sun.
Speaker 14: No.
Speaker 4: It's basically a family operation and Henry has been here
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Speaker 5: Now listen, they have a complete repair crew and that's
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Speaker 4: including the attic, the attic ventilation and installation. So, Henry,
Speaker 4: when we're talking about roofs, what about gutters? Do you
Speaker 4: are do you still do gutter cleaning?
Speaker 12: Absolutely?
Speaker 5: Okay? How do you guys do that? Is that? Is that?
Speaker 2: Like?
Speaker 5: How much?
Speaker 17: All right?
Speaker 13: So for one story it's two ninety nine and uh
Speaker 13: two story it goes up to a three.
Speaker 5: Ninety nine, So that's it. That's great.
Speaker 13: Yeah, it's just a flat rate and we use you know,
Speaker 13: we'll get up there. We have a special vacuum that
Speaker 13: we've actum all the down spouts out with and also
Speaker 13: just the regular.
Speaker 5: Gutters, so and the hoses too or what absolutely see.
Speaker 4: Gutter cleaning is dangerous people if you don't get gutter
Speaker 4: protection of some kind.
Speaker 5: And the jury's out on that. Some people say they
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